SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(D) OF THE
SECURITIES EXCHANGE ACT OF 1934
Date of Report: May 25, 1999
(Date of earliest event reported)
Commission File No. 333-67267
Bank of America Mortgage Securities, Inc.
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Delaware 94-324470
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(State of Incorporation) (I.R.S. Employer Identification No.)
345 Montgomery Street, Lower Level #2, Unit #8152, San Francisco, CA 94104
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Address of principal executive offices (Zip Code)
(415) 445-4779
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Registrant's Telephone Number, including area code
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(Former name, former address and former fiscal year, if changed
since last report)
<PAGE>
ITEM 5. Other Events
On May 25, 1999, Bank of America Mortgage Securities, Inc., a
Delaware corporation (the "Registrant"), sold Mortgage Pass-Through
Certificates, Series 1999-5, Class A-1, Class A-2, Class A-3, Class A-4, Class
A-5, Class A-6, Class A-7, Class A-8, Class A-9, Class A-10, Class A-11, Class
A-12, Class A-13, Class A-14, Class A-15, Class A-16, Class A-17, Class A-18,
Class A-19, Class A-20, Class A-21, Class A-22, Class A-PO, Class A-R, Class
B-1, Class B-2 and Class B-3 (the "Offered Certificates"), having an aggregate
original principal balance of $595,878,701.00. The Offered Certificates were
issued pursuant to a Pooling and Servicing Agreement, dated May 25, 1999, among
the Registrant, Bank of America, FSB, as a servicer ("Bank of America"),
NationsBanc Mortgage Corporation, as a servicer ("NationsBanc") and The Bank of
New York, as trustee (the "Agreement"), a copy of which is filed as an exhibit
hereto. Mortgage Pass-Through Certificates, Series 1999-5, Class B-4, Class B-5
and Class B-6 Certificates, having an aggregate initial principal balance of
$4,504,268.38 (the "Private Class B Certificates" and, together with the Offered
Certificates, the "Certificates"), were also issued pursuant to the Agreement.
As of the date of initial issuance, the Offered Certificates
evidenced an approximate 99.25% undivided interest in a trust (the "Trust"),
consisting principally of a pool of fixed interest rate, conventional, monthly
pay, fully-amortizing, one- to four-family residential first mortgage loans. The
remaining undivided interests in the Trust are evidenced by the Private Class B
Certificates distributions on which are subordinated to distributions on the
Offered Certificates.
Interest on the Offered Certificates will be distributed on each
Distribution Date (as defined in the Agreement). Monthly distributions in
reduction of the principal balance of the Offered Certificates will be allocated
to the Offered Certificates in accordance with the priorities set forth in the
Agreement. Distributions of interest and in reduction of principal balance on
any Distribution Date will be made to the extent that the Pool Distribution
Amount is sufficient therefor.
An election will be made to treat the Trust as a REMIC for federal
income tax purposes (the "REMIC"). The Class A-1, Class A-2, Class A-3, Class
A-4, Class A-5, Class A-6, Class A-7, Class A-8, Class A-9, Class A-10, Class
A-11, Class A-12, Class A-13, Class A-14, Class A-15, Class A-16, Class A-17,
Class A-18, Class A-19, Class A-20, Class A-21, Class A-22, Class A-PO, Class
B-1, Class B-2, Class B-3, Class B-4, Class B-5 and Class B-6 Certificates will
be treated as "regular interests" in the REMIC and the Class A-R Certificate
will be treated as the "residual interest" in the REMIC.
<PAGE>
ITEM 7. Financial Statements and Exhibits
(c) Exhibits
Item 601(a)
of Regulation S-K
Exhibit No. Description
- ----------- -----------
(EX-4) Pooling and Servicing Agreement, dated
May 25, 1999, among Bank of America
Mortgage Securities, Inc., NationsBanc
Mortgage Corporation, Bank of America,
FSB and The Bank of New York, as trustee.
<PAGE>
Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
May 25, 1999
----------------------------------
Sharon Joseph
Vice President
<PAGE>
INDEX TO EXHIBITS
Paper (P) or
Exhibit No. Description Electronic (E)
- ----------- ----------- --------------
(EX-4) Pooling and Servicing Agreement, E
dated May 25, 1999 among Bank of
America Mortgage Securities,
Inc., NationsBanc Mortgage
Corporation, Bank of America,
FSB and The Bank of New York, as
trustee.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
OFFICER'S CERTIFICATE
I, Sharon Joseph, Vice President of Bank of America Mortgage
Securities, Inc. (the "Company") do hereby certify to Cadwalader, Wickersham &
Taft that: 1. The Company is not a party to, or bound by, any indenture,
agreement or instrument relating to or affecting the Mortgage Loans or the Class
A or Class B Certificates, or any category of property inclusive of the Mortgage
Loans or the Class A or Class B Certificates other than (i) the Pooling and
Servicing Agreement, dated May 25, 1999 (the "Pooling and Servicing Agreement"),
among the Company, NationsBanc Mortgage Corporation ("NationsBanc"), Bank of
America, FSB ("Bank of America") and The Bank of New York, as trustee, relating
to the issuance of the Company's Mortgage Pass-Through Certificates, Series
1999-5, (ii) the underwriting agreement dated May 19, 1999 (the "Underwriting
Agreement"), among the Company, NationsBanc, Bank of America and Banc of America
Securities LLC (the "Underwriter"), (iii) the purchase agreement dated May 25,
1999 (the "Purchase Agreement"), among the Company, NationsBanc, Bank of America
and Banc of America Securities LLC (the "Purchaser") and (iv) the Mortgage Loan
Purchase Agreements, each dated May 25, 1999, between the Company and
NationsBanc and the Company and Bank of America, respectively.
2. The sale of the Class A, Class B-1, Class B-2 and Class B-3
Certificates to the Underwriter pursuant to the Underwriting Agreement, the sale
of the Class B-4, Class B-5 and Class B-6 Certificates to the Purchaser pursuant
to the Purchase Agreement and the consummation of any of the transactions
contemplated by the terms of the Pooling and Servicing Agreement do not conflict
with or result in a breach or violation of any material term or provision of, or
constitute a default under, the Certificate of Incorporation or By-Laws of the
Company, or any indenture or other agreement or instrument to which the Company
is a party or by which it is bound.
3. There are no legal or governmental actions, investigations or
proceedings pending to which the Company is a party or threatened against the
Company. A legal or governmental action, investigation or proceeding is not
deemed "threatened" for purposes of this certificate unless the potential
litigant or governmental authority has manifested to the Company a present
intention to initiate such proceedings.
4. The Company is not a party to or bound by any order of any New York
or federal court, regulatory body, administrative agency or governmental body
having jurisdiction over the Company. 5. All capitalized terms used herein
without definition have the meanings assigned to them in the Pooling and
Servicing Agreement.
<PAGE>
IN WITNESS WHEREOF, I have signed my name.
Dated: May 25, 1999
By:______________________________
Name: Sharon Joseph
Title: Vice President
================================================================================
BANK OF AMERICA MORTGAGE SECURITIES, INC.,
as Depositor,
NATIONSBANC MORTGAGE CORPORATION,
as Servicer,
BANK OF AMERICA, FSB,
as Servicer,
and
THE BANK OF NEW YORK,
as Trustee
POOLING AND SERVICING AGREEMENT
Dated May 25, 1999
-----------------------
Mortgage Pass-Through Certificates
Series 1999-5
================================================================================
<PAGE>
TABLE OF CONTENTS
Page
----
PRELIMINARY STATEMENT.......................................................
ARTICLE I
DEFINITIONS
Section 1.01 Defined Terms.................................................
Section 1.03 Interest Calculations.........................................
ARTICLE II
CONVEYANCE OF MORTGAGE LOANS
ORIGINAL ISSUANCE OF CERTIFICATES
Section 2.01 Conveyance of Mortgage Loans..................................
Section 2.02 Acceptance by the Trustee of the Mortgage Loans...............
Section 2.03 Representations, Warranties and Covenants of the NMC
Servicer.....................................................
Section 2.04 Representations, Warranties and Covenants of the BA
Servicer.....................................................
Section 2.05 Representations and Warranties of the Depositor as to the
Mortgage Loans...............................................
Section 2.06 Designation of Interests in the REMIC.........................
Section 2.07 Designation of Start-up Day...................................
Section 2.08 REMIC Certificate Maturity Date...............................
Section 2.09 Execution and Delivery of Certificates........................
ARTICLE III
ADMINISTRATION AND SERVICING
OF MORTGAGE LOANS
Section 3.01 Servicers to Service Mortgage Loans...........................
Section 3.02 Subservicing; Enforcement of the Obligations of Servicers.....
Section 3.03 Fidelity Bond; Errors and Omissions Insurance.................
Section 3.04 Access to Certain Documentation...............................
Section 3.05 Maintenance of Primary Mortgage Insurance Policy; Claims......
Section 3.06 Rights of the Depositor and the Trustee in Respect of the
Servicers....................................................
Section 3.07 Trustee to Act as Servicer....................................
Section 3.08 Collection of Mortgage Loan Payments; Servicer Custodial
Accounts and Certificate Account.............................
Section 3.09 Collection of Taxes, Assessments and Similar Items;
Escrow Accounts..............................................
Section 3.10 Access to Certain Documentation and Information Regarding
the Mortgage Loans...........................................
Section 3.11 Permitted Withdrawals from the Servicer Custodial
Accounts and Certificate Account.............................
Section 3.12 Maintenance of Hazard Insurance...............................
Section 3.13 Enforcement of Due-On-Sale Clauses; Assumption Agreements.....
Section 3.14 Realization Upon Defaulted Mortgage Loans; REO Property.......
Section 3.15 Trustee to Cooperate; Release of Mortgage Files...............
Section 3.16 Documents, Records and Funds in Possession of the
Servicers to be Held for the Trustee.........................
Section 3.17 Servicing Compensation........................................
Section 3.18 Annual Statement as to Compliance.............................
Section 3.19 Annual Independent Public Accountants'Servicing
Statement; Financial Statements..............................
Section 3.20 Advances......................................................
Section 3.21 Modifications, Waivers, Amendments and Consents...............
Section 3.22 Reports to the Securities and Exchange Commission.............
ARTICLE IV
SERVICER'S CERTIFICATE
Section 4.01 Servicer's Certificate........................................
ARTICLE V
PAYMENTS AND STATEMENTS TO CERTIFICATEHOLDERS;
REMIC ADMINISTRATION
Section 5.01 Distributions.................................................
Section 5.02 Priorities of Distribution....................................
Section 5.03 Allocation of Losses..........................................
Section 5.04 Statements to Certificateholders..............................
Section 5.05 Tax Returns and Reports to Certificateholders.................
Section 5.06 Tax Matters Person............................................
Section 5.07 Rights of the Tax Matters Person in Respect of the Trustee....
Section 5.08 REMIC Related Covenants.......................................
ARTICLE VI
THE CERTIFICATES
Section 6.01 The Certificates..............................................
Section 6.02 Registration of Transfer and Exchange of Certificates.........
Section 6.03 Mutilated, Destroyed, Lost or Stolen Certificates.............
Section 6.04 Persons Deemed Owners.........................................
ARTICLE VII
THE DEPOSITOR AND THE SERVICERS
Section 7.01 Respective Liabilities of the Depositor and the Servicers.....
Section 7.02 Merger or Consolidation of the Depositor or a Servicer........
Section 7.03 Limitation on Liability of the Depositor, the Servicers
and Others...................................................
Section 7.04 Depositor and Servicers Not to Resign.........................
ARTICLE VIII
DEFAULT
Section 8.01 Events of Default.............................................
Section 8.02 Remedies of Trustee...........................................
Section 8.03 Directions by Certificateholders and Duties of Trustee
During Event of Default......................................
Section 8.04 Action upon Certain Failures of a Servicer and upon Event
of Default...................................................
Section 8.05 Trustee to Act; Appointment of Successor......................
Section 8.06 Notification to Certificateholders............................
ARTICLE IX
THE TRUSTEE
Section 9.01 Duties of Trustee.............................................
Section 9.02 Certain Matters Affecting the Trustee.........................
Section 9.03 Trustee Not Liable for Certificates or Mortgage Loans.........
Section 9.04 Trustee May Own Certificates..................................
Section 9.05 Eligibility Requirements for Trustee..........................
Section 9.06 Resignation and Removal of Trustee............................
Section 9.07 Successor Trustee.............................................
Section 9.08 Merger or Consolidation of Trustee............................
Section 9.09 Appointment of Co-Trustee or Separate Trustee.................
Section 9.10 Authenticating Agents.........................................
Section 9.11 Trustee's Fees and Expenses...................................
Section 9.12 [RESERVED]....................................................
Section 9.13 Paying Agents.................................................
Section 9.14 Limitation of Liability.......................................
Section 9.15 Trustee May Enforce Claims Without Possession of
Certificates.................................................
Section 9.16 Suits for Enforcement.........................................
Section 9.17 Waiver of Bond Requirement....................................
Section 9.18 Waiver of Inventory, Accounting and Appraisal Requirement.....
Section 9.19 Year 2000 Compliance..........................................
ARTICLE X
TERMINATION
Section 10.01 Termination upon Purchase by the Depositor or
Liquidation of All Mortgage Loans............................
Section 10.02 Additional Termination Requirements..........................
ARTICLE XI
MISCELLANEOUS PROVISIONS
Section 11.01 Amendment....................................................
Section 11.02 Recordation of Agreement.....................................
Section 11.03 Limitation on Rights of Certificateholders...................
Section 11.04 Governing Law................................................
Section 11.05 Notices......................................................
Section 11.06 Severability of Provisions...................................
Section 11.07 Certificates Nonassessable and Fully Paid....................
Section 11.08 Access to List of Certificateholders.........................
Section 11.09 Recharacterization...........................................
<PAGE>
EXHIBITS
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Exhibit A-1 - Form of Face of Class A-1 Certificate
Exhibit A-2 - Form of Face of Class A-2 Certificate
Exhibit A-3 - Form of Face of Class A-3 Certificate
Exhibit A-4 - Form of Face of Class A-4 Certificate
Exhibit A-5 - Form of Face of Class A-5 Certificate
Exhibit A-6 - Form of Face of Class A-6 Certificate
Exhibit A-7 - Form of Face of Class A-7 Certificate
Exhibit A-8 - Form of Face of Class A-8 Certificate
Exhibit A-9 - Form of Face of Class A-9 Certificate
Exhibit A-10 - Form of Face of Class A-10 Certificate
Exhibit A-11 - Form of Face of Class A-11 Certificate
Exhibit A-12 - Form of Face of Class A-12 Certificate
Exhibit A-13 - Form of Face of Class A-13 Certificate
Exhibit A-14 - Form of Face of Class A-14 Certificate
Exhibit A-15 - Form of Face of Class A-15 Certificate
Exhibit A-16 - Form of Face of Class A-16 Certificate
Exhibit A-17 - Form of Face of Class A-17 Certificate
Exhibit A-18 - Form of Face of Class A-18 Certificate
Exhibit A-19 - Form of Face of Class A-19 Certificate
Exhibit A-20 - Form of Face of Class A-20 Certificate
Exhibit A-21 - Form of Face of Class A-21 Certificate
Exhibit A-22 - Form of Face of Class A-22 Certificate
Exhibit A-PO - Form of Face of Class A-PO Certificate
Exhibit A-R - Form of Face of Class A-R Certificate
Exhibit B-1 - Form of Face of Class B-1 Certificate
Exhibit B-2 - Form of Face of Class B-2 Certificate
Exhibit B-3 - Form of Face of Class B-3 Certificate
Exhibit B-4 - Form of Face of Class B-4 Certificate
Exhibit B-5 - Form of Face of Class B-5 Certificate
Exhibit B-6 - Form of Face of Class B-6 Certificate
Exhibit C Form of Reverse of all Certificates.........................
Exhibit D-1 BA Mortgage Loan Schedule...................................
Exhibit D-2 NMC Mortgage Loan Schedule..................................
Exhibit E Request for Release of Documents............................
Exhibit F Form of Certification of Establishment of Account...........
Exhibit G-1 Form of Transferor's Certificate............................
Exhibit G-2A Form 1 of Transferee's Certificate..........................
Exhibit G-2B Form 2 of Transferee's Certificate..........................
Exhibit H Form of Transferee Representation Letter
for ERISA Restricted Certificates...........................
Exhibit I Form of Affidavit Regarding Transfer of Residual Certificate
Exhibit J Contents of Servicing File..................................
Exhibit K Form of Special Servicing Agreement.........................
<PAGE>
POOLING AND SERVICING AGREEMENT
THIS POOLING AND SERVICING AGREEMENT, dated May 25, 1999, is hereby
executed by and among BANK OF AMERICA MORTGAGE SECURITIES, INC., as depositor
(together with its permitted successors and assigns, the "Depositor"),
NATIONSBANC MORTGAGE CORPORATION, as servicer (together with its permitted
successors and assigns, the "NMC Servicer"), BANK OF AMERICA, FSB, as servicer
(together with its permitted successors and assigns, the "BA Servicer" and,
together with the NMC Servicer, the "Servicers"), and THE BANK OF NEW YORK, as
trustee (together with its permitted successors and assigns, the "Trustee").
W I T N E S S E T H T H A T:
In consideration of the mutual agreements herein contained, the
Depositor, the NMC Servicer, the BA Servicer and the Trustee agree as follows:
PRELIMINARY STATEMENT
In exchange for the Certificates, the Depositor hereby conveys the
Trust Estate to the Trustee to create the Trust. The Trust Estate for federal
income tax purposes will be treated as a real estate mortgage investment conduit
(the "REMIC"). The Class A Certificates (other than the Class A-R Certificate)
and the Class B Certificates are referred to collectively as the "Regular
Certificates" and shall constitute "regular interests" in the REMIC. The Class
A-R Certificate shall be the "residual interest" in the REMIC. The Certificates
will represent the entire beneficial ownership interest in the Trust. The
"latest possible maturity date" for federal income tax purposes of all interests
created hereby will be the REMIC Certificate Maturity Date.
The following table sets forth characteristics of the Certificates,
together with the minimum denominations and integral multiples in excess thereof
in which the Classes of Certificates shall be issuable (except that one
Certificate of each Class of Certificates may be issued in any amount in excess
of the minimum denomination):
<PAGE>
============== =============== ============= ============== ===============
Integral
Initial Class Multiples
Certificate Pass-Through Minimum in Excess
Classes Balance Rate Denomination of Minimum
- -------------- --------------- ------------- -------------- ---------------
Class A-1 $162,243,000.00 6.500% $1,000 $1
- -------------- --------------- ------------- -------------- ---------------
Class A-2 $153,000,000.00 6.500% $1,000 $1
- -------------- --------------- ------------- -------------- ---------------
Class A-3 $124,054,000.00 6.500% $1,000 $1
- -------------- --------------- ------------- -------------- ---------------
Class A-4 $60,000,000.00 6.500% $1,000 $1
- -------------- --------------- ------------- -------------- ---------------
Class A-5 $3,282,000.00 6.750% $1,000 $1
- -------------- --------------- ------------- -------------- ---------------
Class A-6 $4,224,000.00 6.750% $1,000 $1
- -------------- --------------- ------------- -------------- ---------------
Class A-7 $1,431,000.00 6.750% $1,000 $1
- -------------- --------------- ------------- -------------- ---------------
Class A-8 $2,950,000.00 6.750% $1,000 $1
- -------------- --------------- ------------- -------------- ---------------
Class A-9 $3,113,000.00 6.750% $1,000 $1
- -------------- --------------- ------------- -------------- ---------------
Class A-10 $3,000,000.00 7.000% $1,000 $1
- -------------- --------------- ------------- -------------- ---------------
Class A-11 $2,000,000.00 7.000% $1,000 $1
- -------------- --------------- ------------- -------------- ---------------
Class A-12 $5,000,000.00 5.500% $1,000 $1
- -------------- --------------- ------------- -------------- ---------------
Class A-13 $3,325,000.00 7.000% $1,000 $1
- -------------- --------------- ------------- -------------- ---------------
Class A-14 $3,177,667.00 7.000% $1,000 $1
- -------------- --------------- ------------- -------------- ---------------
Class A-15 $5,000,000.00 6.250% $1,000 $1
- -------------- --------------- ------------- -------------- ---------------
Class A-16 $5,938,000.00 7.000% $1,000 $1
- -------------- --------------- ------------- -------------- ---------------
Class A-17 $3,160,000.00 7.000% $1,000 $1
- -------------- --------------- ------------- -------------- ---------------
Class A-18 $2,513,904.00 7.000% $1,000 $1
- -------------- --------------- ------------- -------------- ---------------
Class A-19 $1,393,429.00 (1) $1,000 $1
- -------------- --------------- ------------- -------------- ---------------
Class A-20 $15,819,000.00 6.500% $1,000 $1
- -------------- --------------- ------------- -------------- ---------------
Class A-21 $10,898,000.00 6.500% $1,000 $1
- -------------- --------------- ------------- -------------- ---------------
Class A-22 $100,000.00 6.500% $1,000 $1
- -------------- --------------- ------------- -------------- ---------------
Class A-PO $742,601.00 (1) $25,000 $1
- -------------- --------------- ------------- -------------- ---------------
Class A-R $100.00 6.500% $100 N/A
- -------------- --------------- ------------- -------------- ---------------
Class B-1 $12,909,000.00 6.500% $25,000 $1
- -------------- --------------- ------------- -------------- ---------------
Class B-2 $4,503,000.00 6.500% $25,000 $1
- -------------- --------------- ------------- -------------- ---------------
Class B-3 $2,102,000.00 6.500% $25,000 $1
- -------------- --------------- ------------- -------------- ---------------
Class B-4 $2,102,000.00 6.500% $25,000 $1
- -------------- --------------- ------------- -------------- ---------------
Class B-5 $1,201,000.00 6.500% $25,000 $1
- -------------- --------------- ------------- -------------- ---------------
Class B-6 $1,201,268.38 6.500% $25,000 $1
- -------------- --------------- ------------- -------------- ---------------
- ---------------
(1) The Class A-19 and Class A-PO Certificates will be Principal-Only
Certificates and will not bear interest.
<PAGE>
ARTICLE I
DEFINITIONS
Section 1.01 Defined Terms. Whenever used in this Agreement, the
following words and phrases, unless the context otherwise requires, shall have
the meanings specified in this Article:
1933 Act: The Securities Act of 1933, as amended.
Accretion Termination Date: The earlier to occur of (i) the
Distribution Date following the Distribution Date on which the Class Certificate
Balance of the Class A-20 Certificates has been reduced to zero or (ii) the
Senior Credit Support Depletion Date.
Accrued Certificate Interest: For any Distribution Date and each
interest-bearing Class, one month's interest accrued during the related Interest
Accrual Period at the applicable Pass-Through Rate on the applicable Class
Certificate Balance.
Adjusted Pool Amount: With respect to any Distribution Date, the
Cut-Off Date Pool Principal Balance of the Mortgage Loans minus the sum of (i)
all amounts in respect of principal received in respect of the Mortgage Loans
(including, without limitation, amounts received as Monthly Payments, Periodic
Advances, Principal Prepayments, Liquidation Proceeds and Substitution
Adjustment Amounts) and distributed to Holders of Certificates on such
Distribution Date and all prior Distribution Dates and (ii) the principal
portion of all Realized Losses (other than Debt Service Reductions) incurred on
the Mortgage Loans from the Cut-Off Date through the end of the month preceding
such Distribution Date.
Adjusted Pool Amount (PO Portion): With respect to any Distribution
Date, the sum of the amounts, calculated as follows, with respect to all
Outstanding Mortgage Loans: the product of (i) the PO Percentage for each such
Mortgage Loan and (ii) the remainder of (A) the Cut-Off Date Principal Balance
of such Mortgage Loan minus (B) the sum of (x) all amounts in respect of
principal received in respect of such Mortgage Loan (including, without
limitation, amounts received as Monthly Payments, Periodic Advances, Principal
Prepayments, Liquidation Proceeds and Substitution Adjustment Amounts) and
distributed to Holders of the Certificates on such Distribution Date and all
prior Distribution Dates and (y) the principal portion of any Realized Loss
(other than a Debt Service Reduction) incurred on such Mortgage Loan from the
Cut-Off Date through the end of the month preceding such Distribution Date.
Advance: A Periodic Advance or a Servicing Advance.
Agreement: This Pooling and Servicing Agreement together with all
amendments hereof and supplements hereto.
Amount Held for Future Distribution: As to any Distribution Date,
the total of the amounts held in the Servicer Custodial Accounts at the close of
business on the preceding Determination Date on account of (i) Principal
Prepayments and Liquidation Proceeds received or made in the month of such
Distribution Date and (ii) payments which represent receipt of Monthly Payments
in respect of a Due Date or Due Dates subsequent to the related Due Date.
Appraised Value: With respect to any Mortgaged Property, either (i)
the lesser of (a) the appraised value determined in an appraisal obtained by the
originator at origination of such Mortgage Loan and (b) the sales price for such
property, except that, in the case of Mortgage Loans the proceeds of which were
used to refinance an existing mortgage loan, the Appraised Value of the related
Mortgaged Property is the appraised value thereof determined in an appraisal
obtained at the time of refinancing, or (ii) the appraised value determined in
an appraisal made at the request of a Mortgagor subsequent to origination in
order to eliminate the Mortgagor's obligation to keep a Primary Insurance Policy
in force.
Assignment of Mortgage: An individual assignment of the Mortgage,
notice of transfer or equivalent instrument in recordable form, sufficient under
the laws of the jurisdiction wherein the related Mortgaged Property is located
to give record notice of the sale of the Mortgage.
Authenticating Agents: As defined in Section 9.10.
BA Mortgage Loan Purchase Agreement: The Mortgage Loan Purchase
Agreement, dated May 25, 1999, between the BA Seller, as seller, and the
Depositor, as purchaser.
BA Mortgage Loans: The Mortgage Loans serviced by the BA Servicer
and identified on Exhibit D-1 as such Exhibit is amended from time to time to
reflect the addition of Substitute Mortgage Loans and the deletion of Defective
Mortgage Loans pursuant to the provisions of this Agreement.
BA Seller: Bank of America, FSB, a federal savings bank, or its
successor in interest, as seller of the BA Mortgage Loans under the BA Mortgage
Loan Purchase Agreement.
BA Servicer: Bank of America, FSB, a federal savings bank, or its
successor in interest, in its capacity as servicer of the BA Mortgage Loans, or
any successor servicer appointed as herein provided.
BA Servicer Custodial Account: The separate Eligible Account or
Accounts created and maintained by the BA Servicer pursuant to Section 3.08(b).
Bankruptcy Loss: Any Deficient Valuation or Debt Service Reduction.
Bankruptcy Loss Amount: As of any Distribution Date, the Initial
Bankruptcy Loss Amount less the aggregate amount of Bankruptcy Losses previously
incurred during the period from the Cut-Off Date through the last day of the
month preceding the month of such Distribution Date; provided, however, that
such amount may be reduced from time to time with the written consent of the
Rating Agencies provided that such reduction does not result in a downgrading to
the current rating of the Certificates.
Book-Entry Certificate: All Classes of Certificates other than the
Physical Certificates.
Business Day: Any day other than (i) a Saturday or a Sunday or (ii)
a day on which banking institutions in the State of North Carolina, the State of
New York, the State of California, the State of Virginia, the state in which the
servicing offices of either Servicer are located or the state in which the
Corporate Trust Office is located are required or authorized by law or executive
order to be closed.
Certificate: Any of the Bank of America Mortgage Securities, Inc.
Mortgage Pass-Through Certificates, Series 1999-5 that are issued pursuant to
this Agreement.
Certificate Account: The separate Eligible Account created and
maintained by the Trustee pursuant to Section 3.08(c) in the name of the Trustee
for the benefit of the Certificateholders and designated "The Bank of New York,
in trust for registered holders of Bank of America Mortgage Securities, Inc.
Mortgage Pass-Through Certificates, Series 1999-5." Funds in the Certificate
Account shall be held in trust for the Certificateholders for the uses and
purposes set forth in this Agreement.
Certificate Balance: With respect to any Certificate at any date,
the maximum dollar amount of principal to which the Holder thereof is then
entitled hereunder, such amount being equal to the product of the Percentage
Interest of such Certificate and the Class Certificate Balance of the Class of
Certificates of which such Certificate is a part.
Certificate Owner: With respect to a Book-Entry Certificate, the
Person who is the beneficial owner of a Book-Entry Certificate. With respect
to any Definitive Certificate, the Certificateholder of such Certificate.
Certificate Register: The register maintained pursuant to Section
6.02.
Certificate Registrar: The registrar appointed pursuant to Section
6.02.
Certificateholder: The Person in whose name a Certificate is
registered in the Certificate Register, except that, solely for the purpose of
giving any consent pursuant to this Agreement, any Certificate registered in the
name of the Depositor, either Servicer or any affiliate thereof shall be deemed
not to be outstanding and the Percentage Interest and Voting Rights evidenced
thereby shall not be taken into account in determining whether the requisite
amount of Percentage Interests or Voting Rights, as the case may be, necessary
to effect any such consent has been obtained, unless such entity is the
registered owner of the entire Class of Certificates, provided that the Trustee
shall not be responsible for knowing that any Certificate is registered in the
name of such an affiliate unless one of its Responsible Officers has actual
knowledge.
Class: As to the Certificates, the Class A-1, Class A-2, Class A-3,
Class A-4, Class A-5, Class A-6, Class A-7, Class A-8, Class A-9, Class A-10,
Class A-11, Class A-12, Class A-13, Class A-14, Class A-15, Class A-16, Class
A-17, Class A-18, Class A-19, Class A-20, Class A-21, Class A-22, Class A-PO,
Class A-R, Class B-1, Class B-2, Class B-3, Class B-4, Class B-5 and Class B-6
Certificates, as the case may be.
Class A Certificates: The Class A-1, Class A-2, Class A-3, Class
A-4, Class A-5, Class A-6, Class A-7, Class A-8, Class A-9, Class A-10, Class
A-11, Class A-12, Class A-13, Class A-14, Class A-15, Class A-16, Class A-17,
Class A-18, Class A-19, Class A-20, Class A-21, Class A-22, Class A-PO and Class
A-R Certificates.
Class A-21 Accrual Distribution Amount: For any Distribution Date
and the Class A-21 Certificates prior to the Accretion Termination Date, an
amount with respect to such Class equal to the sum of (i) the amount allocated
but not currently distributable as interest to such Class pursuant to Section
5.02(a)(i) that is attributable to clause (i) of the definition of "Interest
Distribution Amount," and (ii) the amount allocated but not currently
distributable as interest to such Class pursuant to Section 5.02(a)(i) that is
attributable to clause (ii) of the definition of "Interest Distribution Amount."
Class A-21 Loss Amount: With respect to any Distribution Date after
the Senior Credit Support Depletion Date, the amount, if any, by which the Class
Certificate Balance of the Class A-21 Certificates would be reduced as a result
of the allocation of any Realized Loss (other than an Excess Loss) to such Class
pursuant to Section 5.03(a)(ii)(1) or the allocation of any reduction pursuant
to Section 5.03(b) to such Class, in each case without regard to the operation
of Section 5.03(f).
Class A-22 Loss Allocation Amount: With respect to any Distribution
Date after the Senior Credit Support Depletion Date, the lesser of (a) the Class
Certificate Balance of the Class A-22 Certificates with respect to such
Distribution Date prior to any reduction for the Class A-22 Loss Allocation
Amount and (b) the Class A-21 Loss Amount with respect to such Distribution
Date.
Class A-PO Deferred Amount: As to any Distribution Date prior to the
Senior Credit Support Depletion Date, the aggregate of the applicable PO
Percentage of each Realized Loss, other than an Excess Loss, to be allocated to
the Class A-PO Certificates on such Distribution Date or previously allocated to
the Class A-PO Certificates and not yet paid to the Holders of the Class A-PO
Certificates pursuant to Section 5.02(a)(iii).
Class B Certificates: The Class B-1, Class B-2, Class B-3, Class
B-4, Class B-5 and Class B-6 Certificates.
Class Certificate Balance: With respect to any Class and any date of
determination, the Initial Class Certificate Balance of such Class (plus, in the
case of the Class A-21 Certificates, any Class A-21 Accrual Distribution Amounts
previously added thereto) minus the sum of (i) all distributions of principal
made with respect thereto, (ii) all Realized Losses allocated thereto pursuant
to Section 5.03(a), (iii) all other reductions in Class Certificate Balance
previously allocated thereto pursuant to Section 5.03(b) and (iv) in the case of
the Class A-22 Certificates, any reduction allocated thereto pursuant to Section
5.03(f).
Class Interest Shortfall: For any Distribution Date and each
interest-bearing Class, the amount by which Accrued Certificate Interest for
such Class (as reduced pursuant to Section 5.02(c)) exceeds the amount of
interest actually distributed on such Class (or, in the case of the Class A-21
Certificates prior to the Accretion Termination Date, the amount included in the
Class A-21 Accrual Distribution Amount pursuant to clause (i) of the definition
thereof, but not distributed as interest on the Class A-21 Certificates) on such
Distribution Date pursuant to clause (i) of the definition of "Interest
Distribution Amount."
Class Unpaid Interest Shortfall: As to any Distribution Date and
each interest-bearing Class, the amount by which the aggregate Class Interest
Shortfalls for such Class on prior Distribution Dates exceeds the amount of
interest actually distributed on such Class (or, in the case of the Class A-21
Certificates prior to the Accretion Termination Date, the amount included in the
Class A-21 Accrual Distribution Amount pursuant to clause (ii) of the definition
thereof, but not distributed as interest on the Class A-21 Certificates) on such
prior Distribution Dates pursuant to clause (ii) of the definition of "Interest
Distribution Amount."
Closing Date: May 25, 1999.
Code: The Internal Revenue Code of 1986, as amended.
Compensating Interest: As defined in Section 3.17.
Corporate Trust Office: The principal office of the Trustee at
which at any particular time its certificate transfer services are conducted,
which office at the date of the execution of this instrument is located at
101 Barclay Street - 12E, New York, New York 10286, Attention: Corporate
Trust - MBS (Fax: (212) 815-5309).
Custodian: Any Custodian appointed by the Trustee in accordance with
the terms of this Agreement.
Customary Servicing Procedures: With respect to each Servicer,
procedures (including collection procedures) that such Servicer customarily
employs and exercises in servicing and administering mortgage loans for its own
account and which are in accordance with accepted mortgage servicing practices
of prudent lending institutions servicing mortgage loans of the same type as the
Mortgage Loans in the jurisdictions in which the related Mortgaged Properties
are located.
Cut-Off Date: May 1, 1999.
Cut-Off Date Pool Principal Balance: The aggregate of the Cut-Off
Date Principal Balances of the Mortgage Loans which is $600,382,970.08.
Cut-Off Date Principal Balance: As to any Mortgage Loan, the unpaid
principal balance thereof as of the close of business on the Cut-Off Date,
reduced by all installments of principal due on or prior thereto whether or not
paid.
Debt Service Reduction: As to any Mortgage Loan and any
Determination Date, the excess of (i) the Monthly Payment due on the related Due
Date under the terms of such Mortgage Loan over (ii) the amount of the monthly
payment of principal and/or interest required to be paid with respect to such
Due Date by the Mortgagor as established by a court of competent jurisdiction
(pursuant to an order which has become final and nonappealable) as a result of a
proceeding initiated by or against the related Mortgagor under the Bankruptcy
Code, as amended from time to time (11 U.S.C.); provided that no such excess
shall be considered a Debt Service Reduction so long as (a) the related Servicer
is pursuing an appeal of the court order giving rise to any such modification
and (b)(1) such Mortgage Loan is not in default with respect to payment due
thereunder in accordance with the terms of such Mortgage Loan as in effect on
the Cut-Off Date or (2) Monthly Payments are being advanced by the related
Servicer in accordance with the terms of such Mortgage Loan as in effect on the
Cut-Off Date.
Debt Service Reduction Mortgage Loan: Any Mortgage Loan that became
the subject of a Debt Service Reduction.
Defective Mortgage Loan: Any Mortgage Loan which is required to
be cured, repurchased or substituted for pursuant to Sections 2.02 or 2.05.
Deficient Valuation: As to any Mortgage Loan and any Determination
Date, the excess of (i) the then outstanding indebtedness under such Mortgage
Loan over (ii) the secured valuation thereof established by a court of competent
jurisdiction (pursuant to an order which has become final and nonappealable) as
a result of a proceeding initiated by or against the related Mortgagor under the
Bankruptcy Code, as amended from time to time (11 U.S.C.), pursuant to which
such Mortgagor retained such Mortgaged Property; provided that no such excess
shall be considered a Deficient Valuation so long as (a) the related Servicer is
pursuing an appeal of the court order giving rise to any such modification and
(b)(1) such Mortgage Loan is not in default with respect to payments due
thereunder in accordance with the terms of such Mortgage Loan as in effect on
the Cut-Off Date or (2) Monthly Payments are being advanced by the related
Servicer in accordance with the terms of such Mortgage Loan as in effect on the
Cut-Off Date.
Deficient Valuation Mortgage Loan: Any Mortgage Loan that became
the subject of a Deficient Valuation.
Definitive Certificates: As defined in Section 6.02(c)(iii).
Depositor: Bank of America Mortgage Securities, Inc., a Delaware
corporation, or its successor in interest, as depositor of the Trust Estate.
Depository: The Depository Trust Company, the nominee of which is
Cede & Co., as the registered Holder of the Book-Entry Certificates or any
successor thereto appointed in accordance with this Agreement. The Depository
shall at all times be a "clearing corporation" as defined in Section 8-102(3) of
the Uniform Commercial Code of the State of New York.
Depository Participant: A broker, dealer, bank or other financial
institution or other Person for whom from time to time a Depository effects
book-entry transfers and pledges of securities deposited with the Depository.
Determination Date: As to any Distribution Date, the 16th day of the
month of the related Distribution Date or, if such 16th day is not a Business
Day, the Business Day immediately preceding such 16th day.
Discount Mortgage Loan: Any Mortgage Loan with a Net Mortgage
Interest Rate that is less than 6.500% per annum.
Distribution Date: The 25th day of each month beginning in June 1999
(or, if such day is not a Business Day, the next Business Day).
Due Date: As to any Distribution Date and each Mortgage Loan, the
first day in the calendar month of such Distribution Date.
Eligible Account: Any of (i) an account or accounts maintained with
(a) NationsBank, N.A. or any successor thereto, (b) Bank of America, FSB, or (c)
a federal or state chartered depository institution or trust company the
short-term unsecured debt obligations of which (or, in the case of a depository
institution or trust company that is the principal subsidiary of a holding
company, the debt obligations of such holding company) have the highest
short-term ratings of each Rating Agency at the time any amounts are held on
deposit therein, or (ii) an account or accounts in a depository institution or
trust company in which such accounts are insured by the FDIC (to the limits
established by the FDIC) and the uninsured deposits in which accounts are
otherwise secured such that, as evidenced by an Opinion of Counsel delivered to
the Trustee and to each Rating Agency, the Certificateholders have a claim with
respect to the funds in such account or a perfected first priority security
interest against any collateral (which shall be limited to Permitted
Investments) securing such funds that is superior to claims of any other
depositors or creditors of the depository institution or trust company in which
such account is maintained, or (iii) a trust account or accounts maintained with
the trust department of a federal or state chartered depository institution or
trust company, acting in its fiduciary capacity or (iv) any other account
acceptable to each Rating Agency. Eligible Accounts may bear interest and may
include, if otherwise qualified under this definition, accounts maintained with
the Trustee.
ERISA: The Employee Retirement Income Security Act of 1974, as
amended.
ERISA Restricted Certificates: The Class A-22 and Class B
Certificates.
Escrow Account: As defined in Section 3.09.
Escrow Payments: The amounts constituting taxes, assessments,
Primary Insurance Policy premiums, fire and hazard insurance premiums and other
payments as may be required to be escrowed by the Mortgagor with the mortgagee
pursuant to the terms of any Mortgage Note or Mortgage.
Event of Default: As defined in Section 8.01.
Excess Losses: For any Distribution Date, the amount of any (i)
Fraud Losses in excess of the Fraud Loss Amount, (ii) Special Hazard Losses in
excess of the Special Hazard Loss Amount or (iii) Bankruptcy Losses in excess of
the Bankruptcy Loss Amount.
Excess Proceeds: With respect to any Liquidated Mortgage Loan, the
amount, if any, by which the sum of any Liquidation Proceeds of such Mortgage
Loan received in the calendar month in which such Mortgage Loan became a
Liquidated Mortgage Loan, net of any amounts previously reimbursed to the
related Servicer as Nonrecoverable Advance(s) with respect to such Mortgage Loan
pursuant to Section 3.11(a)(iii), exceeds (i) the unpaid principal balance of
such Liquidated Mortgage Loan as of the Due Date in the month in which such
Mortgage Loan became a Liquidated Mortgage Loan plus (ii) accrued interest at
the Mortgage Interest Rate from the Due Date as to which interest was last paid
or for which a Periodic Advance was made (and not reimbursed) up to the Due Date
applicable to the Distribution Date immediately following the calendar month
during which such liquidation occurred.
FDIC: The Federal Deposit Insurance Corporation, or any successor
thereto.
FHLMC: The Federal Home Loan Mortgage Corporation, or any successor
thereto.
Final Distribution Date: The Distribution Date on which the final
distribution in respect of the Certificates will be made pursuant to Section
10.01.
Financial Market Service: Bloomberg Financial Service and any other
financial information provider designated by the Depositor by written notice to
the Trustee.
FIRREA: The Financial Institutions Reform, Recovery and Enforcement
Act of 1989, as amended.
Fitch: Fitch IBCA, Inc., or any successor thereto.
FNMA: Fannie Mae, or any successor thereto.
Fractional Interest: As defined in Section 5.02(d).
Fraud Loss: Realized Losses on Mortgage Loans as to which a loss is
sustained by reason of a default arising from fraud, dishonesty or
misrepresentation in connection with the related Mortgage Loan, including a loss
by reason of the denial of coverage under any related Primary Insurance Policy
because of such fraud, dishonesty or misrepresentation.
Fraud Loss Amount: For each Distribution Date occurring during the
period from the Closing Date through the first anniversary of the Cut-Off Date,
the Initial Fraud Loss Amount reduced by the amount of Fraud Losses allocated to
the Certificates. Thereafter, the Fraud Loss Amount shall be equal to the lesser
of (i) the Initial Fraud Loss Amount reduced by the amount of Fraud Losses
allocated to the Certificates and (ii) for each Distribution Date occurring (a)
during the period from the day after the first anniversary through the third
anniversary of the Cut-Off Date, 1% of the Pool Stated Principal Balance, (b)
during the period from the day after the third anniversary through the fifth
anniversary of the Cut-Off Date, 0.5% of the Pool Stated Principal Balance, and
(c) after the fifth anniversary of the Cut-Off Date, zero.
Holder: A Certificateholder.
Independent: When used with respect to any specified Person means
such a Person who (i) is in fact independent of the Depositor and the Servicers,
(ii) does not have any direct financial interest or any material indirect
financial interest in the Depositor or either Servicer or in an affiliate of any
of them, and (iii) is not connected with the Depositor or either Servicer as an
officer, employee, promoter, underwriter, trustee, partner, director or person
performing similar functions.
Indirect Depository Participant: A broker, dealer, bank or other
financial institution or other Person maintaining a custodial relationship with
a Depository Participant.
Initial Bankruptcy Loss Amount: $189,088.78.
Initial Class Certificate Balance: As to each Class of Certificates,
the Class Certificate Balance set forth in the Preliminary Statement.
Initial Fraud Loss Amount: $6,003,829.70.
Initial Special Hazard Amount: $6,006,870.48.
Insurance Policy: With respect to any Mortgage Loan included in the
Trust Estate, any related insurance policy, including all riders and
endorsements thereto in effect, including any replacement policy or policies for
any Insurance Policies.
Insurance Proceeds: Proceeds paid by an insurer pursuant to any
Insurance Policy, in each case other than any amount included in such Insurance
Proceeds in respect of Insured Expenses.
Insured Expenses: Expenses covered by an Insurance Policy or any
other insurance policy with respect to the Mortgage Loans.
Interest Accrual Period: As to any Distribution Date and each Class
of Certificates (other than the Class A-19 and Class A-PO Certificates), the
period from and including the first day of the calendar month preceding the
calendar month of such Distribution Date to but not including the first day of
the calendar month of such Distribution Date.
Interest Distribution Amount: For any Distribution Date and each
interest-bearing Class, the sum of (i) the Accrued Certificate Interest, subject
to reduction pursuant to Section 5.02(c) and (ii) any Class Unpaid Interest
Shortfall for such Class.
Liquidated Mortgage Loan: With respect to any Distribution Date, a
defaulted Mortgage Loan (including any REO Property) that was liquidated in the
calendar month preceding the month of such Distribution Date and as to which the
related Servicer has certified (in accordance with this Agreement) that it has
received all proceeds it expects to receive in connection with the liquidation
of such Mortgage Loan including the final disposition of an REO Property.
Liquidation Proceeds: Amounts, including Insurance Proceeds,
received in connection with the partial or complete liquidation of defaulted
Mortgage Loans, whether through trustee's sale, foreclosure sale or otherwise or
amounts received in connection with any condemnation or partial release of a
Mortgaged Property and any other proceeds received in connection with an REO
Property, less the sum of related unreimbursed Servicing Fees and Advances.
Loan-to-Value Ratio: With respect to any Mortgage Loan and any date
of determination, the fraction, expressed as a percentage, the numerator of
which is the outstanding principal balance of the related Mortgage Loan at the
date of determination and the denominator of which is the Appraised Value of the
related Mortgaged Property.
MERS: As defined in Section 2.01(b)(iii).
Monthly Payment: The scheduled monthly payment on a Mortgage Loan
due on any Due Date allocable to principal and/or interest on such Mortgage Loan
which, unless otherwise specified herein, shall give effect to any related Debt
Service Reduction and any Deficient Valuation that affects the amount of the
monthly payment due on such Mortgage Loan.
Mortgage: The mortgage, deed of trust or other instrument creating a
first lien on a Mortgaged Property securing a Mortgage Note or creating a first
lien on a leasehold interest.
Mortgage File: The mortgage documents listed in Section 2.01
pertaining to a particular Mortgage Loan and any additional documents required
to be added to the Mortgage File pursuant to this Agreement.
Mortgage Interest Rate: As to any Mortgage Loan, the per annum rate
of interest at which interest accrues on the principal balance of such Mortgage
Loan in accordance with the terms of the related Mortgage Note.
Mortgage Loan Purchase Agreement: Each of the BA Mortgage Loan
Purchase Agreement and the NMC Mortgage Loan Purchase Agreement.
Mortgage Loan Schedule: The list of Mortgage Loans (as from time to
time amended by the applicable Servicer to reflect the addition of Substitute
Mortgage Loans and the deletion of Defective Mortgage Loans pursuant to the
provisions of this Agreement) transferred to the Trustee as part of the Trust
Estate and from time to time subject to this Agreement, attached hereto as
Exhibit D-1 and Exhibit D-2, setting forth the following information with
respect to each Mortgage Loan: (i) the Mortgage Loan identifying number; (ii) a
code indicating whether the Mortgaged Property is owner-occupied; (iii) the
property type for each Mortgaged Property; (iv) the original months to maturity
or the remaining months to maturity from the Cut-Off Date; (v) the Loan-to-Value
Ratio at origination; (vi) the Mortgage Interest Rate; (vii) the date on which
the first Monthly Payment was due on the Mortgage Loan, and, if such date is not
the Due Date currently in effect, such Due Date; (viii) the stated maturity
date; (ix) the amount of the Monthly Payment as of the Cut-Off Date; (x) the
paid-through date; (xi) the original principal amount of the Mortgage Loan;
(xii) the principal balance of the Mortgage Loan as of the close of business on
the Cut-Off Date, after application of payments of principal due on or before
the Cut-Off Date, whether or not collected, and after deduction of any payments
collected of scheduled principal due after the Cut-Off Date; (xiii) a code
indicating the purpose of the Mortgage Loan; (xiv) a code indicating the
documentation style; and (xv) the Appraised Value. With respect to the Mortgage
Loans in the aggregate, the Mortgage Loan Schedule shall set forth the following
information, as of the Cut-Off Date: (i) the number of Mortgage Loans; (ii) the
current aggregate outstanding principal balance of the Mortgage Loans; (iii) the
weighted average Mortgage Rate of the Mortgage Loans; and (iv) the weighted
average months to maturity of the Mortgage Loans.
Mortgage Loans: Such of the mortgage loans transferred and assigned
to the Trustee pursuant to Section 2.01 as from time to time are held as a part
of the Trust Estate (including any Substitute Mortgage Loans and REO Property),
the Mortgage Loans originally so held being identified in the Mortgage Loan
Schedule.
Mortgage Note: The originally executed note or other evidence of
indebtedness evidencing the indebtedness of a Mortgagor under a Mortgage Loan,
together with all riders thereto and amendments thereof.
Mortgaged Property: The underlying property securing a Mortgage
Loan.
Mortgagor: The obligor on a Mortgage Note.
Net Mortgage Interest Rate: As to any Mortgage Loan and Distribution
Date, such Mortgage Loan's Mortgage Interest Rate thereon on the first day of
the month preceding the month of the related Distribution Date reduced by the
related Servicing Fee Rate and the Trustee Fee Rate.
NMC Mortgage Loan Purchase Agreement: The Mortgage Loan Purchase
Agreement, dated May 25, 1999, between the NMC Seller, as seller, and the
Depositor, as purchaser.
NMC Mortgage Loans: The Mortgage Loans serviced by the NMC Servicer
and identified on Exhibit D-2 as such Exhibit is amended from time to time to
reflect the addition of Substitute Mortgage Loans and the deletion of Defective
Mortgage Loans pursuant to the provisions of this Agreement.
NMC Seller: NationsBanc Mortgage Corporation, a Texas corporation,
or its successor in interest, as seller of the NMC Mortgage Loans under the NMC
Mortgage Loan Purchase Agreement.
NMC Servicer: NationsBanc Mortgage Corporation, a Texas corporation,
or its successor in interest, in its capacity as servicer of the NMC Mortgage
Loans, or any successor servicer appointed as herein provided.
NMC Servicer Custodial Account: The separate Eligible Account or
Accounts created and maintained by the NMC Servicer pursuant to Section 3.08(b).
Non-PO Percentage: As to any Discount Mortgage Loan, a fraction
(expressed as a percentage), the numerator of which is the Net Mortgage Interest
Rate of such Discount Mortgage Loan and the denominator of which is 6.500%. As
to any Mortgage Loan that is not a Discount Mortgage Loan, 100%.
Non-PO Principal Amount: As to any Distribution Date, the sum of the
applicable Non-PO Percentage of (a) the principal portion of each Monthly
Payment (without giving effect, prior to the reduction of the Bankruptcy Loss
Amount to zero, to any reductions thereof caused by any Debt Service Reductions)
due on each Mortgage Loan on the related Due Date, (b) the Stated Principal
Balance, as of the date of repurchase, of each Mortgage Loan that was
repurchased by the Depositor pursuant to this Agreement as of such Distribution
Date, (c) any Substitution Adjustment Amount in connection with a Defective
Mortgage Loan received with respect to such Distribution Date, (d) any
Liquidation Proceeds allocable to recoveries of principal of Mortgage Loans that
are not yet Liquidated Mortgage Loans received during the calendar month
preceding the month of such Distribution Date, (e) with respect to each Mortgage
Loan that became a Liquidated Mortgage Loan during the calendar month preceding
the month of such Distribution Date, the amount of Liquidation Proceeds
allocable to principal received during the calendar month preceding the month of
such Distribution Date with respect to such Mortgage Loan and (f) all Principal
Prepayments received during the calendar month preceding the month of such
Distribution Date.
Non-Supported Interest Shortfalls: As to any Distribution Date, the
amount, if any, by which the aggregate of Prepayment Interest Shortfalls exceeds
Compensating Interest for such Distribution Date.
Non-U.S. Person: A Person other than a U.S. Person.
Nonrecoverable Advance: Any portion of an Advance previously made or
proposed to be made in respect of a Mortgage Loan which has not been previously
reimbursed and which, in the good faith judgment of the related Servicer, will
not or, in the case of a proposed Advance, would not be ultimately recoverable
from the related Mortgagor, related Liquidation Proceeds, or other recoveries in
respect of the related Mortgage Loan.
Offered Certificates: The Class A, Class B-1, Class B-2 and Class
B-3 Certificates.
Officer's Certificate: A certificate signed by the Chairman of the
Board, Vice Chairman of the Board, President or a Vice President and by the
Treasurer, the Secretary or one of the Assistant Treasurers or Assistant
Secretaries, or any other duly authorized officer of the Depositor or either
Servicer, as the case may be, and delivered to the Trustee.
Opinion of Counsel: A written opinion of counsel acceptable to the
Trustee, who may be counsel for the Depositor or a Servicer, except that any
opinion of counsel relating to the qualification of the Trust Estate as a REMIC
or compliance with the REMIC Provisions must be an opinion of Independent
counsel.
Original Fractional Interest: With respect to each of the following
Classes of Subordinate Certificates, the corresponding percentage described
below, as of the Closing Date:
Class B-1 1.85%
Class B-2 1.10%
Class B-3 0.75%
Class B-4 0.40%
Class B-5 0.20%
Class B-6 0.00%
Original Subordinate Certificate Balance: $24,018,268.38.
OTS: The Office of Thrift Supervision.
Outstanding Mortgage Loan: As to any Due Date, a Mortgage Loan which
was not the subject of a Principal Prepayment in Full prior to such Due Date,
which did not become a Liquidated Mortgage Loan prior to such Due Date and which
was not purchased from the Trust prior to such Due Date pursuant to Sections
2.02 or 2.05.
Ownership Interest: As to any Certificate, any ownership or security
interest in such Certificate, including any interest in such Certificate as the
Holder thereof and any other interest therein, whether direct or indirect, legal
or beneficial, as owner or as pledgee.
Pass-Through Rate: As to each Class of interest-bearing
Certificates, the per annum rate set forth in the Preliminary Statement.
Paying Agent: As defined in Section 9.13.
Percentage Interest: As to any Certificate, the percentage obtained
by dividing the initial Certificate Balance of such Certificate by the Initial
Class Certificate Balance of the Class of which such Certificate is a part.
Periodic Advance: The payment required to be made by a Servicer with
respect to any Distribution Date pursuant to Section 3.20, the amount of any
such payment being equal to the aggregate of Monthly Payments (net of the
Servicing Fee) on the Mortgage Loans (including any REO Property) serviced by
such Servicer that were due on the related Due Date and not received as of the
close of business on the related Determination Date, less the aggregate amount
of any such delinquent payments that such Servicer has determined would
constitute a Nonrecoverable Advance if advanced.
Permitted Investments: One or more of the following:
(i) obligations of or guaranteed as to principal and interest by
the United States, FHLMC, FNMA or any agency or instrumentality of the
United States when such obligations are backed by the full faith and
credit of the United States; provided that such obligations of FHLMC or
FNMA shall be limited to senior debt obligations and mortgage
participation certificates other than investments in mortgage-backed or
mortgage participation securities with yields evidencing extreme
sensitivity to the rate of principal payments on the underlying mortgages,
which shall not constitute Permitted Investments hereunder;
(ii) repurchase agreements on obligations specified in clause (i)
maturing not more than one month from the date of acquisition thereof with
a corporation incorporated under the laws of the United States or any
state thereof rated not lower than "A-1" by S&P and "F-1" by Fitch;
(iii) federal funds, certificates of deposit, demand deposits,
time deposits and bankers' acceptances (which shall each have an original
maturity of not more than 90 days and, in the case of bankers'
acceptances, shall in no event have an original maturity of more than 365
days or a remaining maturity of more than 30 days) denominated in United
States dollars of any U.S. depository institution or trust company
incorporated under the laws of the United States or any state thereof,
rated not lower than "A-1" by S&P and "F-1" by Fitch;
(iv) commercial paper (having original maturities of not more
than 365 days) of any corporation incorporated under the laws of the
United States or any state thereof which is rated not lower than "A-1" by
S&P and "F-1" by Fitch;
(v) investments in money market funds (including funds of the
Trustee or its affiliates, or funds for which an affiliate of the Trustee
acts as advisor, as well as funds for which the Trustee and its affiliates
may receive compensation) rated either "AAAm" or "AAAm G" by S&P, and
"AAA" by Fitch or otherwise approved in writing by each Rating Agency; and
(vi) other obligations or securities that are acceptable to each
Rating Agency and, as evidenced by an Opinion of Counsel obtained by
either Servicer, will not affect the qualification of the Trust Estate as
a REMIC;
provided, however, that no instrument shall be a Permitted Investment if it
represents either (a) the right to receive only interest payments with respect
to the underlying debt instrument or (b) the right to receive both principal and
interest payments derived from obligations underlying such instrument and the
principal and interest with respect to such instrument provide a yield to
maturity greater than 120% of the yield to maturity at par of such underlying
obligations.
Permitted Transferee: Any Person other than (i) the United States,
or any State or any political subdivision thereof, or any agency or
instrumentality of any of the foregoing, (ii) a foreign government,
international organization or any agency or instrumentality of either of the
foregoing, (iii) an organization which is exempt from tax imposed by Chapter 1
of the Code (including the tax imposed by Section 511 of the Code on unrelated
business taxable income) (except certain farmers' cooperatives described in Code
Section 521), (iv) rural electric and telephone cooperatives described in Code
Section 1381(a)(2)(C) and (v) any other Person so designated by either Servicer
based on an Opinion of Counsel to the effect that any transfer to such Person
may cause the Trust or any other Holder of a Residual Certificate to incur tax
liability that would not be imposed other than on account of such transfer. The
terms "United States," "State" and "international organization" shall have the
meanings set forth in Code Section 7701 or successor provisions.
Person: Any individual, corporation, limited liability company,
partnership, joint venture, association, joint-stock company, trust,
unincorporated organization or government or any agency or political subdivision
thereof.
Physical Certificates: The Class A-R, Class B-4, Class B-5 and Class
B-6 Certificates.
Plan: As defined in Section 6.02(e).
PO Percentage: As to any Discount Mortgage Loan, 100% minus the
Non-PO Percentage for such Mortgage Loan. As to any Mortgage Loan that is not a
Discount Mortgage Loan, 0%.
PO Principal Amount: As to any Distribution Date, the sum of the
applicable PO Percentage of (a) the principal portion of each Monthly Payment
(without giving effect, prior to the reduction of the Bankruptcy Loss Amount to
zero, to any reductions thereof caused by any Debt Service Reductions) due on
each Mortgage Loan on the related Due Date, (b) the Stated Principal Balance, as
of the date of repurchase, of each Mortgage Loan that was repurchased by the
related Seller or the Depositor pursuant to this Agreement as of such
Distribution Date, (c) any Substitution Adjustment Amount in connection with any
Defective Mortgage Loan received with respect to such Distribution Date, (d) any
Liquidation Proceeds allocable to recoveries of principal of Mortgage Loans that
are not yet Liquidated Mortgage Loans received during the calendar month
preceding the month of such Distribution Date, (e) with respect to each Mortgage
Loan that became a Liquidated Mortgage Loan during the calendar month preceding
the month of such Distribution Date, the amount of Liquidation Proceeds
allocable to principal received with respect to such Mortgage Loan during the
calendar month preceding the month of such Distribution Date with respect to
such Mortgage Loan and (f) all Principal Prepayments received during the
calendar month preceding the month of such Distribution Date.
Pool Distribution Amount: As to any Distribution Date, the excess of
(a) the sum of (i) the aggregate of (A) the interest portion of any Monthly
Payment (net of the Servicing Fee) and the principal portion of any Monthly
Payment due on the Due Date in the month in which such Distribution Date occurs
and which is received prior to the related Determination Date and (B) all
Periodic Advances and payments of Compensating Interest made by the Servicers in
respect of such Distribution Date deposited to the Servicer Custodial Accounts
pursuant to Section 3.08(b)(vii); (ii) all Liquidation Proceeds received during
the preceding calendar month and deposited to the Servicer Custodial Accounts
pursuant to Section 3.08(b)(iii); (iii) all Principal Prepayments received
during the month preceding the month of such Distribution Date and deposited to
the Servicer Custodial Accounts pursuant to Section 3.08(b)(i) during such
period; (iv) in connection with Defective Mortgage Loans, as applicable, the
aggregate of the Repurchase Prices and Substitution Adjustment Amounts deposited
on the related Remittance Date pursuant to Section 3.08(b)(vi); and (v) any
other amounts in the Servicer Custodial Accounts deposited therein pursuant to
Sections 3.08(b)(iv), (v) and (viii) in respect of such Distribution Date; over
(b) any (i) amounts permitted to be withdrawn from the Servicer Custodial
Accounts pursuant to clauses (i) through (vii), inclusive, of Section 3.11(a)
and (ii) amounts permitted to be withdrawn from the Certificate Account pursuant
to clauses (i) and (ii) of Section 3.11(b).
Pool Stated Principal Balance: As to any Distribution Date, the
aggregate Stated Principal Balances of all Mortgage Loans that were Outstanding
Mortgage Loans immediately following the Due Date in the month of such
Distribution Date.
Prepayment Interest Shortfall: As to any Distribution Date and each
Mortgage Loan subject to a Principal Prepayment received during the calendar
month preceding such Distribution Date, the amount, if any, by which one month's
interest at the related Mortgage Interest Rate (net of the Servicing Fee) on
such Principal Prepayment exceeds the amount of interest paid in connection with
such Principal Prepayment.
Primary Insurance Policy: Each policy of primary mortgage guaranty
insurance or any replacement policy therefor with respect to any Mortgage Loan,
in each case issued by an insurer acceptable to FNMA or FHLMC.
Principal-Only Certificates: Any Class of Certificates entitled
to distributions of principal, but to no distributions of interest. The
Class A-19 and Class A-PO Certificates are the only Classes of Principal-Only
Certificates.
Principal Prepayment: Any payment or other recovery of principal on
a Mortgage Loan (other than Liquidation Proceeds) which is received in advance
of its scheduled Due Date and is not accompanied by an amount of interest
representing scheduled interest due on any date or dates in any month or months
subsequent to the month of prepayment.
Principal Prepayment in Full: Any Principal Prepayment of the
entire principal balance of a Mortgage Loan.
Priority Amount: As to any Distribution Date, the lesser of (i) the
sum of the Class Certificate Balances of the Class A-4 and Class A-22
Certificates and (ii) the product of (a) the Shift Percentage, (b) the Priority
Percentage and (c) the Senior Principal Distribution Amount.
Priority Percentage: As to any Distribution Date, the percentage
equivalent (carried to six places rounded up) of a fraction the numerator of
which is the sum of the Class Certificate Balances of the Class A-4 and Class
A-22 Certificates immediately prior to such date and the denominator of which is
the aggregate of the Class Certificate Balances of all Classes of Senior
Certificates (other than the Class A-PO Certificates) immediately prior to such
date.
Private Certificates: The Class B-4, Class B-5 and Class B-6
Certificates.
Pro Rata Share: As to any Distribution Date and any Class of
Subordinate Certificates that is not a Restricted Class, the portion of the
Subordinate Principal Distribution Amount allocable to such Class, equal to the
product of the Subordinate Principal Distribution Amount for such Distribution
Date and a fraction, the numerator of which is the related Class Certificate
Balance thereof and the denominator of which is the aggregate Class Certificate
Balance of the Subordinate Certificates that are not Restricted Classes. The Pro
Rata Share of a Restricted Class shall be 0%.
Qualified Appraiser: An appraiser of a Mortgaged Property duly
appointed by the originator of the related Mortgage Loan, who had no interest,
direct or indirect, in such Mortgaged Property or in any loan made on the
security thereof, whose compensation is not affected by the approval or
disapproval of the related Mortgage Loan and who met the minimum qualifications
of FNMA or FHLMC.
Rating Agency: Each of Fitch and S&P. If either such organization or
a successor is no longer in existence, "Rating Agency" shall be such nationally
recognized statistical rating organization, or other comparable Person, as is
designated by the Depositor, notice of which designation shall be given to the
Trustee. References herein to a given rating or rating category of a Rating
Agency shall mean such rating category without giving effect to any modifiers.
Realized Loss: With respect to each Liquidated Mortgage Loan, an
amount as of the date of such liquidation, equal to (i) the unpaid principal
balance of the Liquidated Mortgage Loan as of the date of such liquidation, plus
(ii) interest at the Net Mortgage Interest Rate from the Due Date as to which
interest was last paid or advanced (and not reimbursed) to Certificateholders up
to the Due Date in the month in which Liquidation Proceeds are required to be
distributed on the Stated Principal Balance of such Liquidated Mortgage Loan
from time to time, minus (iii) the Liquidation Proceeds, if any, received during
the month in which such liquidation occurred, to the extent applied as
recoveries of interest at the Net Mortgage Interest Rate and to principal of the
Liquidated Mortgage Loan. With respect to each Mortgage Loan that has become the
subject of a Deficient Valuation, if the principal amount due under the related
Mortgage Note has been reduced, the difference between the principal balance of
the Mortgage Loan outstanding immediately prior to such Deficient Valuation and
the principal balance of the Mortgage Loan as reduced by the Deficient
Valuation. With respect to each Mortgage Loan that has become the subject of a
Debt Service Reduction and any Distribution Date, the amount, if any, by which
the principal portion of the related Monthly Payment has been reduced.
Record Date: The last day of the month (or, if such day is not a
Business Day, the preceding Business Day) preceding the month of the related
Distribution Date.
Refinance Mortgage Loan: Any Mortgage Loan the proceeds of which
were not used to purchase the related Mortgaged Property.
Regular Certificates: As defined in the Preliminary Statement
hereto.
Relief Act: The Soldiers' and Sailors' Civil Relief Act of 1940, as
amended.
Relief Act Reduction: With respect to any Distribution Date, for any
Mortgage Loan as to which there has been a reduction in the amount of interest
collectible thereon for the most recently ended calendar month as a result of
the application of the Relief Act, the amount, if any, by which (i) interest
collectible on such Mortgage Loan for the most recently ended calendar month is
less than (ii) interest accrued pursuant to the terms of the Mortgage Note on
the same principal amount and for the same period as the interest collectible on
such Mortgage Loan for the most recently ended calendar month.
REMIC: A "real estate mortgage investment conduit" within the
meaning of Section 860D of the Code. "The REMIC" means the REMIC constituted by
the Trust Estate.
REMIC Certificate Maturity Date: The "latest possible maturity date"
of the Regular Certificates as that term is defined in Section 2.08.
REMIC Provisions: Provisions of the federal income tax law relating
to real estate mortgage investment conduits, which appear at Section 860A
through 860G of Subchapter M of Chapter 1 of the Code, and related provisions,
and regulations promulgated thereunder, as the foregoing may be in effect from
time to time, as well as provisions of applicable state laws.
Remittance Date: As to any Distribution Date, by 2:00 p.m. Eastern
time on the Business Day immediately preceding such Distribution Date.
REO Disposition Period: As defined in Section 3.14.
REO Proceeds: Proceeds, net of any related expenses of the related
Servicer, received in respect of any REO Property (including, without
limitation, proceeds from the rental of the related Mortgaged Property) which
are received prior to the final liquidation of such Mortgaged Property.
REO Property: A Mortgaged Property acquired by a Servicer on behalf
of the Trust through foreclosure or deed-in-lieu of foreclosure in connection
with a defaulted Mortgage Loan.
Repurchase Price: As to any Defective Mortgage Loan repurchased on
any date pursuant to Sections 2.02 or 2.05, an amount equal to the sum of (i)
the unpaid principal balance thereof and (ii) the unpaid accrued interest
thereon at the applicable Mortgage Interest Rate from the Due Date to which
interest was last paid by the Mortgagor to the first day of the month following
the month in which such Mortgage Loan became eligible to be repurchased.
Request for Release: The Request for Release submitted by a Servicer
to the Trustee or the Custodian on behalf of the Trustee, substantially in the
form of Exhibit E.
Required Insurance Policy: With respect to any Mortgage Loan, any
insurance policy which is required to be maintained from time to time under this
Agreement in respect of such Mortgage Loan.
Residual Certificate: The Class A-R Certificate.
Responsible Officer: When used with respect to the Trustee, any
officer of the Corporate Trust Department of the Trustee, including any Senior
Vice President, any Vice President, any Assistant Vice President, any Assistant
Secretary, any Trust Officer or Assistant Trust Officer, or any other officer of
the Trustee customarily performing functions similar to those performed by any
of the above designated officers and having responsibility for the
administration of this Agreement.
Restricted Classes: As defined in Section 5.02(d).
S&P: Standard & Poor's, a division of The McGraw-Hill Companies,
Inc., or any successor thereto.
Seller: With respect to the BA Loans, the BA Seller and, with
respect to the NMC Loans, the NMC Seller.
Senior Certificates: The Class A Certificates.
Senior Credit Support Depletion Date: The date on which the
aggregate Class Certificate Balance of the Subordinate Certificates is reduced
to zero.
Senior Percentage: With respect to any Distribution Date, the
percentage, carried six places rounded up, obtained by dividing the aggregate
Class Certificate Balance of the Senior Certificates (other than the Class A-PO
Certificates) immediately prior to such Distribution Date by the aggregate Class
Certificate Balance of all Classes of Certificates (other than the Class A-PO
Certificates) immediately prior to such Distribution Date.
Senior Prepayment Percentage: For any Distribution Date during the
five years beginning on the first Distribution Date, 100%. The Senior Prepayment
Percentage for any Distribution Date occurring on or after the fifth anniversary
of the first Distribution Date will, except as provided herein, be as follows:
for any Distribution Date in the first year thereafter, the Senior Percentage
plus 70% of the Subordinate Percentage for such Distribution Date; for any
Distribution Date in the second year thereafter, the Senior Percentage plus 60%
of the Subordinate Percentage for such Distribution Date; for any Distribution
Date in the third year thereafter, the Senior Percentage plus 40% of the
Subordinate Percentage for such Distribution Date; for any Distribution Date in
the fourth year thereafter, the Senior Percentage plus 20% of the Subordinate
Percentage for such Distribution Date; and for any Distribution Date in the
fifth or later years thereafter, the Senior Percentage for such Distribution
Date (unless on any of the foregoing Distribution Dates the Senior Percentage
exceeds the initial Senior Percentage, in which case the Senior Prepayment
Percentage for such Distribution Date will once again equal 100%).
Notwithstanding the foregoing, no decrease in the Senior Prepayment Percentage
will occur unless both of the Senior Step Down Conditions are satisfied.
Senior Principal Distribution Amount: As to any Distribution Date,
the sum of (i) the Senior Percentage of the applicable Non-PO Percentage of all
amounts described in clauses (a) through (d) of the definition of "Non-PO
Principal Amount" for such Distribution Date and (ii) the Senior Prepayment
Percentage of the applicable Non-PO Percentage of the amounts described in
clauses (e) and (f) of the definition of "Non-PO Principal Amount" for such
Distribution Date; provided, however, that if a Debt Service Reduction that is
an Excess Loss is sustained with respect to a Mortgage Loan that is not a
Liquidated Mortgage Loan, the Senior Principal Distribution Amount will be
reduced on the related Distribution Date by the Senior Percentage of the Non-PO
Percentage of the principal portion of such Debt Service Reduction.
Senior Step Down Conditions: As of any Distribution Date as to which
any decrease in the Senior Prepayment Percentage applies, (i) the outstanding
principal balance of all Mortgage Loans (including, for this purpose, any
Mortgage Loans in foreclosure or any REO Property) delinquent 60 days or more
(averaged over the preceding six month period), as a percentage of the aggregate
Class Certificate Balance of the Subordinate Certificates (averaged over the
preceding six-month period), is not equal to or greater than 50% or (ii)
cumulative Realized Losses with respect to the Mortgage Loans as of the
applicable Distribution Date do not exceed the percentages of the Original
Subordinate Certificate Balance set forth below:
Percentage of
Original Subordinate
Distribution Date Occurring Certificate Balance
- --------------------------- -------------------
June 2004 through May 2005 30%
June 2005 through May 2006 35%
June 2006 through May 2007 40%
June 2007 through May 2008 45%
June 2008 and thereafter 50%
Servicer: With respect to the BA Mortgage Loans, the BA Servicer
and, with respect to the NMC Mortgage Loans, the NMC Servicer.
Servicer Advance Date: As to any Distribution Date, 11:30 a.m.,
Eastern time, on the Business Day immediately preceding such Distribution Date.
Servicer Custodial Account: The NMC Servicer Custodial Account or
the BA Servicer Custodial Account, as applicable.
Servicer's Certificate: The monthly report required by Section 4.01.
Servicing Advances: All customary, reasonable and necessary "out of
pocket" costs and expenses incurred in the performance by either Servicer of its
servicing obligations, including, but not limited to (i) the preservation,
restoration and protection of a Mortgaged Property, (ii) expenses reimbursable
to such Servicer pursuant to Section 3.14 and any enforcement or judicial
proceedings, including foreclosures, (iii) the management and liquidation of any
REO Property and (iv) compliance with the obligations under Section 3.12.
Servicing Fee: With respect to each Mortgage Loan and Distribution
Date, the amount of the fee payable to the related Servicer, which shall, for
such Distribution Date, be equal to one-twelfth of the product of the Servicing
Fee Rate with respect to such Mortgage Loan and the Stated Principal Balance of
such Mortgage Loan, subject to reduction as provided in Section 3.17. Such fee
shall be payable monthly, computed on the basis of the same Stated Principal
Balance and period respecting which any related interest payment on a Mortgage
Loan is computed. Each Servicer's right to receive the Servicing Fee is limited
to, and payable solely from, the interest portion (including recoveries with
respect to interest from Liquidation Proceeds and other proceeds, to the extent
permitted by Section 3.11) of related Monthly Payments collected by such
Servicer, or as otherwise provided under Section 3.11.
Servicing Fee Rate: With respect to each Mortgage Loan, the per
annum rate equal to (i) the related Mortgage Interest Rate less (ii) the sum of
6.500% and the Trustee Fee Rate; provided, however, that the Servicing Fee Rate
will not be less than 0.25% per annum with respect to any Mortgage Loan.
Servicing File: The items pertaining to a particular Mortgage Loan
referred to in Exhibit J hereto, and any additional documents required to be
added to the Servicing File pursuant to the Agreement.
Servicing Officer: Any officer of a Servicer involved in, or
responsible for, the administration and servicing of the Mortgage Loans whose
name appears on a list of servicing officers furnished to the Trustee by such
Servicer, as such list may from time to time be amended.
Shift Percentage: As to any Distribution Date, the percentage
indicated below:
Distribution Date Occurring In Shift Percentage
- ------------------------------ ----------------
June 1999 through May 2004..................... 0%
June 2004 through May 2005..................... 30%
June 2005 through May 2006..................... 40%
June 2006 through May 2007..................... 60%
June 2007 through May 2008..................... 80%
June 2008 and thereafter....................... 100%
Similar Law: As defined in Section 6.02(e).
Special Hazard Loss: As to a Mortgaged Property, any Realized Loss
on account of direct physical loss, exclusive of (i) any loss covered by a
hazard policy or a flood insurance policy maintained in respect of such
Mortgaged Property pursuant to Section 3.12 and (ii) any loss caused by or
resulting from:
(a) (i) wear and tear, deterioration, rust or corrosion, mold, wet
or dry rot; inherent vice or latent defect; animals, birds, vermin or insects;
or
(ii) settling, subsidence, cracking, shrinkage, building or
expansion of pavements, foundations, walls, floors, roofs or ceilings;
(b) errors in design, faulty workmanship or faulty materials,
unless the collapse of the property or a part thereof ensues and then only for
the ensuing loss;
(c) nuclear or chemical reaction or nuclear radiation or
radioactive or chemical contamination, all whether controlled or uncontrolled,
and whether such loss is direct or indirect, proximate or remote; or
(d) (i) hostile or warlike action in time of peace or war,
including action in hindering, combating or defending against an actual,
impending or expected attack (A) by any government or sovereign power (de jure
or de facto), or by any authority maintaining or using military, naval or air
forces; or (B) by military, naval or air forces; or (C) by an agent of any such
government, power, authority or forces;
(ii) any weapon of war or facility for producing same employing
atomic fission, radioactive force or chemical or biological contaminants,
whether in time of peace or war; or
(iii) insurrection, rebellion, revolution, civil war, usurped power
or action taken by governmental authority in hindering, combating or
defending against such an occurrence, seizure or destruction under
quarantine or customs regulations, confiscation by order of any government
or public authority, or risks of contraband or illegal transportation or
trade.
Special Hazard Loss Amount: As to any Distribution Date, the lesser
of (a) the greatest of (i) 1% of the Pool Stated Principal Balance of the
Mortgage Loans, (ii) twice the principal balance of the largest Mortgage Loan,
and (iii) the aggregate principal balance of all Mortgage Loans secured by
Mortgaged Properties located in the single California five-digit postal zip code
having the highest aggregate principal balance of any zip code area (all
principal balances to be calculated as of the first day of the month preceding
such Distribution Date after giving effect to Monthly Payments then due, whether
or not paid) and (b) the Initial Special Hazard Loss Amount, reduced (but not
below zero) by the amount of Realized Losses in respect of Special Hazard
Mortgage Loans previously incurred during the period from the Cut-Off Date
through the last day of the month preceding the month of such Distribution Date.
The Special Hazard Loss Amount may be further reduced from time to time below
the amounts specified above with the written consent of the Rating Agencies and
without resulting in a downgrading to the then-current rating of the
Certificates.
Special Hazard Mortgage Loan: Any Liquidated Mortgage Loan as to
which the ability to recover thereon was substantially impaired by reason of a
hazard or loss not covered by a hazard policy or flood insurance policy
maintained in respect of such Mortgaged Property pursuant to Section 3.12.
Stated Principal Balance: As to any Mortgage Loan and date, the
unpaid principal balance of such Mortgage Loan as of the Due Date immediately
preceding such date as specified in the amortization schedule at the time
relating thereto (before any adjustment to such amortization schedule by reason
of any moratorium or similar waiver or grace period) after giving effect to any
previous partial Principal Prepayments and Liquidation Proceeds allocable to
principal (other than with respect to any Liquidated Mortgage Loan) and to the
payment of principal due on such Due Date and irrespective of any delinquency in
payment by the related Mortgagor, and after giving effect to any Deficient
Valuation.
Subordinate Certificates: The Class B Certificates.
Subordinate Percentage: As of any Distribution Date, 100% minus the
Senior Percentage for such Distribution Date.
Subordinate Prepayment Percentage: As to any Distribution Date, 100%
minus the Senior Prepayment Percentage for such Distribution Date.
Subordinate Principal Distribution Amount: With respect to any
Distribution Date, an amount equal to the sum of (i) the Subordinate Percentage
of the applicable Non-PO Percentage of all amounts described in clauses (a)
through (d) of the definition of "Non-PO Principal Amount" for such Distribution
Date and (ii) the Subordinate Prepayment Percentage of the applicable Non-PO
Percentage of the amounts described in clauses (e) and (f) of the definition of
"Non-PO Principal Amount" for such Distribution Date; provided, however, that if
a Debt Service Reduction that is an Excess Loss is sustained with respect to a
Mortgage Loan that is not a Liquidated Mortgage Loan, the Subordinate Principal
Distribution Amount will be reduced on the related Distribution Date by the
Subordinate Percentage of the applicable Non-PO Percentage of the principal
portion of such Debt Service Reduction.
Subservicer: Any Person with which a Servicer has entered into a
Subservicing Agreement and which satisfies the requirements set forth therein.
Subservicing Agreement: Any subservicing agreement (which, in the
event the Subservicer is an affiliate of the Servicer, need not be in writing)
between a Servicer and any Subservicer relating to servicing and/or
administration of certain Mortgage Loans as provided in Section 3.02.
Substitute Mortgage Loan: A Mortgage Loan substituted for a
Defective Mortgage Loan which must, on the date of such substitution (i) have a
Stated Principal Balance, after deduction of the principal portion of the
Monthly Payment due in the month of substitution, not in excess of, and not more
than 10% less than, the Stated Principal Balance of the Defective Mortgage Loan;
(ii) have a Net Mortgage Interest Rate equal to that of the Defective Mortgage
Loan; (iii) have a Loan-to-Value Ratio not higher than that of the Defective
Mortgage Loan; (iv) have a remaining term to maturity not greater than (and not
more than one year less than) that of the Defective Mortgage Loan; and (v)
comply with each Mortgage Loan representation and warranty set forth in the Sale
Agreement relating to the Defective Mortgage Loan. More than one Substitute
Mortgage Loan may be substituted for a Defective Mortgage Loan if such
Substitute Mortgage Loans meet the foregoing attributes in the aggregate.
Substitution Adjustment Amount: As defined in Section 2.02.
Tax Matters Person: The person designated as "tax matters person" in
accordance with Section 5.06 and the manner provided under Treasury Regulation
ss. 1.860F-4(d) and Treasury Regulation ss. 301.6231(a)(7)-1.
Treasury Regulations: The final and temporary regulations
promulgated under the Code by the U.S. Department of the Treasury.
Trust: The trust created by this Agreement.
Trust Estate: The corpus of the Trust created to the extent
described herein, consisting of the Mortgage Loans, such assets as shall from
time to time be identified as deposited in the Servicer Custodial Accounts or
the Certificate Account, in accordance with this Agreement, REO Property, the
Primary Insurance Policies and any other Required Insurance Policy.
Trustee: The Bank of New York, and its successors-in-interest and,
if a successor trustee is appointed hereunder, such successor, as trustee.
Trustee Fee: As to any Distribution Date, an amount equal to
one-twelfth of the Trustee Fee Rate multiplied by the aggregate Stated Principal
Balance of the Mortgage Loans immediately following the Due Date in the month
preceding the month in which such Distribution Date occurs.
Trustee Fee Rate: With respect to each Mortgage Loan, 0.0035% per
annum.
Underwriting Guidelines: The underwriting guidelines of the Bank
of America, FSB or NationsBanc Mortgage Corporation, as applicable.
U.S. Person: A citizen or resident of the United States, a
corporation or partnership (unless, in the case of a partnership, Treasury
Regulations are adopted that provide otherwise), created or organized in or
under the laws of the United States, any state thereof or the District of
Columbia, including an entity treated as a corporation or partnership for
federal income tax purposes, an estate whose income is subject to United States
federal income tax regardless of its source, or a trust if a court within the
United States is able to exercise primary supervision over the administration of
such trust, and one or more such U.S. Persons have the authority to control all
substantial decisions of such trust (or, to the extent provided in applicable
Treasury Regulations, certain trusts in existence on August 20, 1996 which are
eligible to be treated as U.S.
Persons).
Voting Rights: The portion of the voting rights of all of the
Certificates which is allocated to any Certificate. As of any date of
determination, (a) 1% of all Voting Rights shall be allocated to the Holder of
the Residual Certificate, and (b) the remaining Voting Rights shall be allocated
among Holders of the remaining Classes of Certificates in proportion to the
Certificate Balances of their respective Certificates on such date.
Section 1.02 Interest Calculations. All calculations of interest
will be made on a 360-day year consisting of twelve 30-day months. All dollar
amounts calculated hereunder shall be rounded to the nearest penny with one-half
of one penny being rounded down.
ARTICLE II
CONVEYANCE OF MORTGAGE LOANS
ORIGINAL ISSUANCE OF CERTIFICATES
Section 2.01 Conveyance of Mortgage Loans.
(a) The Depositor, concurrently with the execution and delivery
hereof, hereby sells, transfers, assigns, sets over and otherwise conveys to the
Trustee on behalf of the Trust for the benefit of the Certificateholders,
without recourse, all the right, title and interest of the Depositor in and to
the Mortgage Loans, including all interest and principal received on or with
respect to the Mortgage Loans (other than payments of principal and interest due
and payable on the Mortgage Loans on or before the Cut-Off Date). The foregoing
sale, transfer, assignment and set over does not and is not intended to result
in a creation of an assumption by the Trustee of any obligation of the Depositor
or any other Person in connection with the Mortgage Loans or any agreement or
instrument relating thereto, except as specifically set forth herein.
(b) In connection with such transfer and assignment, the Depositor
has delivered or caused to be delivered to the Trustee, for the benefit of the
Certificateholders, the following documents or instruments with respect to each
Mortgage Loan so assigned:
(i) the original Mortgage Note, endorsed by manual or facsimile
signature in the following form: "Pay to the order of The Bank of New
York, as Trustee, without recourse," with all necessary intervening
endorsements showing a complete chain of endorsement from the originator
to the Trustee (each such endorsement being sufficient to transfer all
right, title and interest of the party so endorsing, as noteholder or
assignee thereof, in and to that Mortgage Note);
(ii) except as provided below, the original recorded Mortgage
with evidence of a recording thereon, or if any such Mortgage has not been
returned from the applicable recording office or has been lost, or if such
public recording office retains the original recorded Mortgage, a copy of
such Mortgage certified by the Depositor as being a true and correct copy
of the Mortgage;
(iii) subject to the provisos at the end of this paragraph, a
duly executed Assignment of Mortgage to "The Bank of New York, as trustee
for the holders of the Bank of America Mortgage Securities, Inc. Mortgage
Pass-Through Certificates, Series 1999-5" (which may be included in a
blanket assignment or assignments), together with, except as provided
below, originals of all interim recorded assignments of such mortgage or a
copy of such interim assignment certified by the Depositor as being a true
and complete copy of the original recorded intervening assignments of
Mortgage (each such assignment, when duly and validly completed, to be in
recordable form and sufficient to effect the assignment of and transfer to
the assignee thereof, under the Mortgage to which the assignment relates);
provided that, if the related Mortgage has not been returned from the
applicable public recording office, such Assignment of Mortgage may
exclude the information to be provided by the recording office; and
provided, further, if the related Mortgage has been recorded in the name
of Mortgage Electronic Registration Systems, Inc. ("MERS") or its
designee, no Assignment of Mortgage in favor of the Trustee will be
required to be prepared or delivered and instead, the applicable Servicer
shall take all actions as are necessary to cause the Trust to be shown as
the owner of the related Mortgage Loan on the records of MERS for purposes
of the system of recording transfers of beneficial ownership of mortgages
maintained by MERS;
(iv) the originals of all assumption, modification, consolidation
or extension agreements, if any, with evidence of recording thereon, if
any;
(v) the original or duplicate original mortgagee title insurance
policy and all riders thereto;
(vi) the original of any guarantee executed in connection with
the Mortgage Note;
(vii) for each Mortgage Loan which is secured by a residential
long-term lease, a copy of the lease with evidence of recording indicated
thereon, or, if the lease is in the process of being recorded, a photocopy
of the lease, certified by an officer of the respective prior owner of
such Mortgage Loan or by the applicable title insurance company,
closing/settlement/escrow agent or company or closing attorney to be a
true and correct copy of the lease transmitted for recordation; and
(viii) the original of any security agreement, chattel mortgage
or equivalent document executed in connection with the Mortgage;
provided, however, that on the Closing Date, with respect to item (iii), the
Depositor has delivered to the Trustee a copy of such Assignment of Mortgage in
blank and has caused the related Servicer to retain the completed Assignment of
Mortgage for recording as described below, unless such Mortgage has been
recorded in the name of MERS or its designee. In addition, if the Depositor is
unable to deliver or cause the delivery of any original Mortgage Note due to the
loss of such original Mortgage Note, the Depositor may deliver a copy of such
Mortgage Note, together with a lost note affidavit, and shall thereby be deemed
to have satisfied the document delivery requirements of this Section 2.01(b).
If in connection with any Mortgage Loans, the Depositor cannot
deliver (A) the Mortgage, (B) all interim recorded assignments, (C) all
assumption, modification, consolidation or extension agreements, if any, or (D)
the lender's title policy (together with all riders thereto) satisfying the
requirements of clause (ii), (iii), (iv) or (v) above, respectively,
concurrently with the execution and delivery hereof because such document or
documents have not been returned from the applicable public recording office in
the case of clause (ii), (iii) or (iv) above, or because the title policy has
not been delivered to either the related Servicer or the Depositor by the
applicable title insurer in the case of clause (v) above, the Depositor shall
promptly deliver or cause to be delivered to the Trustee or the Custodian on
behalf of the Trustee, in the case of clause (ii), (iii) or (iv) above, such
Mortgage, such interim assignment or such assumption, modification,
consolidation or extension agreement, as the case may be, with evidence of
recording indicated thereon upon receipt thereof from the public recording
office, but in no event shall any such delivery of any such documents or
instruments be made later than one year following the Closing Date, unless, in
the case of clause (ii), (iii) or (iv) above, there has been a continuing delay
at the applicable recording office or, in the case of clause (v), there has been
a continuing delay at the applicable insurer and the Depositor has delivered the
Officer's Certificate to such effect to the Trustee. The Depositor shall forward
or cause to be forwarded to the Trustee (1) from time to time additional
original documents evidencing an assumption or modification of a Mortgage Loan
and (2) any other documents required to be delivered by the Depositor or either
Servicer to the Trustee or the Custodian on the Trustee's behalf. In the event
that the original Mortgage is not delivered and in connection with the payment
in full of the related Mortgage Loan the public recording office requires the
presentation of a "lost instruments affidavit and indemnity" or any equivalent
document, because only a copy of the Mortgage can be delivered with the
instrument of satisfaction or reconveyance, the related Servicer shall prepare,
execute and deliver or cause to be prepared, executed and delivered, on behalf
of the Trust, such a document to the public recording office.
As promptly as practicable subsequent to such transfer and
assignment, and in any event, within 30 days thereafter, the Servicers shall
(except for any Mortgage which has been recorded in the name of MERS or its
designee) (I) cause each Assignment of Mortgage to be in proper form for
recording in the appropriate public office for real property records within 30
days of the Closing Date and (II) at the Depositor's expense, cause to be
delivered for recording in the appropriate public office for real property
records the Assignments of the Mortgages to the Trustee, except that, with
respect to any Assignment of a Mortgage as to which a Servicer has not received
the information required to prepare such assignment in recordable form, such
Servicer's obligation to do so and to deliver the same for such recording shall
be as soon as practicable after receipt of such information and in any event
within 30 days after the receipt thereof and, no recording of an Assignment of
Mortgage will be required if the Depositor furnishes to the Trustee an
unqualified Opinion of Counsel reasonably acceptable to the Trustee to the
effect that recordation of such assignment is not necessary under applicable
state law to preserve the Trustee's interest in the related Mortgage Loan
against the claim of any subsequent transferee of such Mortgage Loan or any
successor to, or creditor of, the Depositor or the originator of such Mortgage
Loan.
In the case of Mortgage Loans that have been prepaid in full as of
the Closing Date, the Depositor, in lieu of delivering the above documents to
the Trustee, or the Custodian on the Trustee's behalf, will cause the related
Servicer to deposit in the related Servicer Custodial Account the portion of
such payment that is required to be deposited in such Servicer Custodial Account
pursuant to Section 3.08.
Section 2.02 Acceptance by the Trustee of the Mortgage Loans.
Subject to the provisions of the following paragraph, the Trustee declares that
it, or the Custodian as its agent, will hold the documents referred to in
Section 2.01 and the other documents delivered to it constituting the Mortgage
Files, and that it will hold such other assets as are included in the Trust
Estate, in trust for the exclusive use and benefit of all present and future
Certificateholders.
Within 90 days after the execution and delivery of this Agreement,
the Trustee shall review, or cause the Custodian to review, the Mortgage Files
in its possession. If, in the course of such review, the Trustee or the
Custodian finds any document constituting a part of a Mortgage File which does
not meet the requirements of Section 2.01 or is omitted from such Mortgage File,
the Trustee shall promptly so notify the related Servicer and the Depositor, or
shall cause the Custodian to promptly so notify the related Servicer and the
Depositor. In performing any such review, the Trustee or the Custodian may
conclusively rely on the purported genuineness of any such document and any
signature thereon. It is understood that the scope of the Trustee's or the
Custodian's review of the Mortgage Files is limited solely to confirming that
the documents listed in Section 2.01 have been received and further confirming
that any and all documents delivered pursuant to Section 2.01 appear on their
face to have been executed and relate to the Mortgage Loans identified in the
Mortgage Loan Schedule. Neither the Trustee nor the Custodian shall have any
responsibility for determining whether any document is valid and binding,
whether the text of any assignment or endorsement is in proper or recordable
form, whether any document has been recorded in accordance with the requirements
of any applicable jurisdiction, or whether a blanket assignment is permitted in
any applicable jurisdiction. The Depositor hereby covenants and agrees that it
will promptly correct or cure such defect within 90 days from the date it was so
notified of such defect and, if the Depositor does not correct or cure such
defect within such period, the Depositor will either (a) substitute for the
related Mortgage Loan a Substitute Mortgage Loan, which substitution shall be
accomplished in the manner and subject to the conditions set forth below or (b)
purchase such Mortgage Loan from the Trustee at the Repurchase Price for such
Mortgage Loan; provided, however, that in no event shall such a substitution
occur more than two years from the Closing Date; provided, further, that such
substitution or repurchase shall occur within 90 days of when such defect was
discovered if such defect will cause the Mortgage Loan not to be a "qualified
mortgage" within the meaning of Section 860G(a)(3) of the Code.
With respect to each Substitute Mortgage Loan the Depositor shall
deliver to the Trustee, for the benefit of the Certificateholders, the Mortgage
Note, the Mortgage, the related Assignment of Mortgage (except for any Mortgage
which has been recorded in the name of MERS or its designee), and such other
documents and agreements as are otherwise required by Section 2.01, with the
Mortgage Note endorsed and the Mortgage assigned as required by Section 2.01. No
substitution is permitted to be made in any calendar month after the
Determination Date for such month. Monthly Payments due with respect to any such
Substitute Mortgage Loan in the month of substitution shall not be part of the
Trust Estate and will be retained by the Depositor. For the month of
substitution, distributions to Certificateholders will include the Monthly
Payment due for such month on any Defective Mortgage Loan for which the
Depositor has substituted a Substitute Mortgage Loan.
The applicable Servicer shall amend the Mortgage Loan Schedule for
the benefit of the Certificateholders to reflect the removal of each Mortgage
Loan serviced by such Servicer that has become a Defective Mortgage Loan and the
substitution of the Substitute Mortgage Loan or Loans and such Servicer shall
deliver the amended Mortgage Loan Schedule to the Trustee and the Custodian.
Upon such substitution, each Substitute Mortgage Loan shall be subject to the
terms of this Agreement in all respects, and the Depositor shall be deemed to
have made to the Trustee with respect to such Substitute Mortgage Loan, as of
the date of substitution, the representations and warranties made pursuant to
Section 2.05. Upon any such substitution and the deposit to the related Servicer
Custodial Account of any required Substitution Adjustment Amount (as described
in the next paragraph) and receipt of a Request for Release, the Trustee shall
release, or shall direct the Custodian to release, the Mortgage File relating to
such Defective Mortgage Loan to the Depositor and shall execute and deliver at
the Depositor's direction such instruments of transfer or assignment prepared by
the Depositor, in each case without recourse, as shall be necessary to vest
title in the Depositor, or its designee, to the Trustee's interest in any
Defective Mortgage Loan substituted for pursuant to this Section 2.02.
For any month in which the Depositor substitutes one or more
Substitute Mortgage Loans for one or more Defective Mortgage Loans, the amount
(if any) by which the aggregate principal balance of all such Substitute
Mortgage Loans as of the date of substitution is less than the aggregate Stated
Principal Balance of all such Defective Mortgage Loans (after application of the
principal portion of the Monthly Payments due in the month of substitution) (the
"Substitution Adjustment Amount") plus an amount equal to the aggregate of any
unreimbursed Advances with respect to such Defective Mortgage Loans shall be
deposited into the Certificate Account by the Depositor on or before the
Remittance Date for the Distribution Date in the month succeeding the calendar
month during which the related Mortgage Loan is required to be purchased or
replaced hereunder.
The Trustee shall retain or shall cause the Custodian to retain
possession and custody of each Mortgage File in accordance with and subject to
the terms and conditions set forth herein. Each Servicer shall promptly deliver
to the Trustee, upon the execution or, in the case of documents requiring
recording, receipt thereof, the originals of such other documents or instruments
constituting the Mortgage File as come into such Servicer's possession from time
to time.
It is understood and agreed that the obligation of the Depositor to
substitute for or to purchase any Mortgage Loan which does not meet the
requirements of Section 2.01 shall constitute the sole remedy respecting such
defect available to the Trustee and any Certificateholder against the Depositor.
The Trustee or the Custodian, on behalf of the Trustee, shall be
under no duty or obligation (i) to inspect, review or examine any such
documents, instruments, certificates or other papers to determine that they are
genuine, enforceable, or appropriate for the represented purpose or that they
are other than what they purport to be on their face or (ii) to determine
whether any Mortgage File should include any of the documents specified in
Section 2.01(b)(iv), (vi), (vii) and (viii).
Section 2.03 Representations, Warranties and Covenants of the NMC
Servicer.
The NMC Servicer hereby makes the following representations and
warranties to the Depositor and the Trustee, as of the Closing Date:
(i) The NMC Servicer is a corporation duly organized, validly
existing, and in good standing under the laws of the State of Texas and
has all licenses necessary to carry on its business as now being conducted
and is licensed, qualified and in good standing in each of the states
where a Mortgaged Property is located if the laws of such state require
licensing or qualification in order to conduct business of the type
conducted by the NMC Servicer. The NMC Servicer has corporate power and
authority to execute and deliver this Agreement and to perform in
accordance herewith; the execution, delivery and performance of this
Agreement (including all instruments of transfer to be delivered pursuant
to this Agreement) by the NMC Servicer and the consummation of the
transactions contemplated hereby have been duly and validly authorized.
This Agreement, assuming due authorization, execution and delivery by the
other parties hereto, evidences the valid, binding and enforceable
obligation of the NMC Servicer, subject to applicable law except as
enforceability may be limited by (A) bankruptcy, insolvency, liquidation,
receivership, moratorium, reorganization or other similar laws affecting
the enforcement of the rights of creditors and (B) general principles of
equity, whether enforcement is sought in a proceeding in equity or at law.
All requisite corporate action has been taken by the NMC Servicer to make
this Agreement valid and binding upon the NMC Servicer in accordance with
its terms.
(ii) No consent, approval, authorization or order is required for
the transactions contemplated by this Agreement from any court,
governmental agency or body, or federal or state regulatory authority
having jurisdiction over the NMC Servicer is required or, if required,
such consent, approval, authorization or order has been or will, prior to
the Closing Date, be obtained.
(iii) The consummation of the transactions contemplated by this
Agreement are in the ordinary course of business of the NMC Servicer and
will not result in the breach of any term or provision of the charter or
by-laws of the NMC Servicer or result in the breach of any term or
provision of, or conflict with or constitute a default under or result in
the acceleration of any obligation under, any agreement, indenture or loan
or credit agreement or other instrument to which the NMC Servicer or its
property is subject, or result in the violation of any law, rule,
regulation, order, judgment or decree to which the NMC Servicer or its
property is subject.
(iv) There is no action, suit, proceeding or investigation
pending or, to the best knowledge of the NMC Servicer, threatened against
the NMC Servicer which, either individually or in the aggregate, would
result in any material adverse change in the business, operations,
financial condition, properties or assets of the NMC Servicer, or in any
material impairment of the right or ability of the NMC Servicer to carry
on its business substantially as now conducted or which would draw into
question the validity of this Agreement or the Mortgage Loans or of any
action taken or to be taken in connection with the obligations of the NMC
Servicer contemplated herein, or which would materially impair the ability
of the NMC Servicer to perform under the terms of this Agreement.
(v) The NMC Servicer is working to modify its computer and other
systems used in servicing the Mortgage Loans to operate in a manner such
that, on and after January 1, 2000, the NMC Servicer can service the
Mortgage Loans in accordance with the terms of this Agreement.
The representations and warranties made or assigned pursuant to this
Section 2.03 shall survive delivery of the respective Mortgage Files to the
Trustee for the benefit of the Certificateholders.
Section 2.04 Representations, Warranties and Covenants of the BA
Servicer.
The BA Servicer hereby makes the following representations and
warranties to the Depositor and the Trustee, as of the Closing Date:
(i) The BA Servicer is a federal savings bank duly organized,
validly existing, and in good standing under the federal laws of the
United States of America and has all licenses necessary to carry on its
business as now being conducted and is licensed, qualified and in good
standing in each of the states where a Mortgaged Property is located if
the laws of such state require licensing or qualification in order to
conduct business of the type conducted by the BA Servicer. The BA Servicer
has power and authority to execute and deliver this Agreement and to
perform in accordance herewith; the execution, delivery and performance of
this Agreement (including all instruments of transfer to be delivered
pursuant to this Agreement) by the BA Servicer and the consummation of the
transactions contemplated hereby have been duly and validly authorized.
This Agreement, assuming due authorization, execution and delivery by the
other parties hereto, evidences the valid, binding and enforceable
obligation of the BA Servicer, subject to applicable law except as
enforceability may be limited by (A) bankruptcy, insolvency, liquidation,
receivership, moratorium, reorganization or other similar laws affecting
the enforcement of the rights of creditors and (B) general principles of
equity, whether enforcement is sought in a proceeding in equity or at law.
All requisite corporate action has been taken by the BA Servicer to make
this Agreement valid and binding upon the BA Servicer in accordance with
its terms.
(ii) No consent, approval, authorization or order is required for
the transactions contemplated by this Agreement from any court,
governmental agency or body, or federal or state regulatory authority
having jurisdiction over the BA Servicer is required or, if required, such
consent, approval, authorization or order has been or will, prior to the
Closing Date, be obtained.
(iii) The consummation of the transactions contemplated by this
Agreement are in the ordinary course of business of the BA Servicer and
will not result in the breach of any term or provision of the charter or
by-laws of the BA Servicer or result in the breach of any term or
provision of, or conflict with or constitute a default under or result in
the acceleration of any obligation under, any agreement, indenture or loan
or credit agreement or other instrument to which the BA Servicer or its
property is subject, or result in the violation of any law, rule,
regulation, order, judgment or decree to which the BA Servicer or its
property is subject.
(iv) There is no action, suit, proceeding or investigation
pending or, to the best knowledge of the BA Servicer, threatened against
the BA Servicer which, either individually or in the aggregate, would
result in any material adverse change in the business, operations,
financial condition, properties or assets of the BA Servicer, or in any
material impairment of the right or ability of the BA Servicer to carry on
its business substantially as now conducted or which would draw into
question the validity of this Agreement or the Mortgage Loans or of any
action taken or to be taken in connection with the obligations of the BA
Servicer contemplated herein, or which would materially impair the ability
of the BA Servicer to perform under the terms of this Agreement.
(v) The BA Servicer is working to modify its computer and other
systems used in servicing the Mortgage Loans to operate in a manner such
that, on and after January 1, 2000, the BA Servicer can service the
Mortgage Loans in accordance with the terms of this Agreement.
The representations and warranties made pursuant to this Section
2.04 shall survive delivery of the respective Mortgage Files to the Trustee for
the benefit of the Certificateholders.
Section 2.05 Representations and Warranties of the Depositor as to
the Mortgage Loans.
The Depositor hereby represents and warrants to the Trustee with
respect to the Mortgage Loans or each Mortgage Loan, as the case may be, as of
the date hereof or such other date set forth herein that as of the Closing Date:
(i) The information set forth in the Mortgage Loan Schedule is
true and correct in all material respects.
(ii) There are no delinquent taxes, ground rents, governmental
assessments, insurance premiums, leasehold payments, including assessments
payable in future installments or other outstanding charges affecting the
lien priority of the related Mortgaged Property.
(iii) The terms of the Mortgage Note and the Mortgage have not
been impaired, waived, altered or modified in any respect, except by
written instruments, recorded in the applicable public recording office if
necessary to maintain the lien priority of the Mortgage, and which have
been delivered to the Trustee; the substance of any such waiver,
alteration or modification has been approved by the insurer under the
Primary Mortgage Insurance Policy, if any, the title insurer, to the
extent required by the related policy, and is reflected on the Mortgage
Loan Schedule. No instrument of waiver, alteration or modification has
been executed, and no Mortgagor has been released, in whole or in part,
except in connection with an assumption agreement approved by the insurer
under the Primary Mortgage Insurance Policy, if any, the title insurer, to
the extent required by the policy, and which assumption agreement has been
delivered to the Trustee.
(iv) The Mortgage Note and the Mortgage are not subject to any
right of rescission, set-off, counterclaim or defense, including the
defense of usury, nor will the operation of any of the terms of the
Mortgage Note and the Mortgage, or the exercise of any right thereunder,
render either the Mortgage Note or the Mortgage unenforceable, in whole or
in part, or subject to any right of rescission, set-off, counterclaim or
defense, including the defense of usury and no such right of rescission,
set-off, counterclaim or defense has been asserted with respect thereto.
(v) All buildings upon the Mortgaged Property are insured by an
insurer generally acceptable to prudent mortgage lending institutions
against loss by fire, hazards of extended coverage and such other hazards
as are customary in the area the Mortgaged Property is located, pursuant
to insurance policies conforming to the requirements of Customary
Servicing Procedures and this Agreement. All such insurance policies
contain a standard mortgagee clause naming the originator of the Mortgage
Loan, its successors and assigns as mortgagee and all premiums thereon
have been paid. If the Mortgaged Property is in an area identified on a
flood hazard map or flood insurance rate map issued by the Federal
Emergency Management Agency as having special flood hazards (and such
flood insurance has been made available), a flood insurance policy meeting
the requirements of the current guidelines of the Federal Insurance
Administration is in effect which policy conforms to the requirements of
FNMA or FHLMC. The Mortgage obligates the Mortgagor thereunder to maintain
all such insurance at the Mortgagor's cost and expense, and on the
Mortgagor's failure to do so, authorizes the holder of the Mortgage to
maintain such insurance at Mortgagor's cost and expense and to seek
reimbursement therefor from the Mortgagor.
(vi) Any and all requirements of any federal, state or local law
including, without limitation, usury, truth in lending, real estate
settlement procedures, consumer credit protections, equal credit
opportunity or disclosure laws applicable to the origination and servicing
of Mortgage Loan have been complied with.
(vii) The Mortgage has not been satisfied, canceled, subordinated
or rescinded, in whole or in part (other than as to Principal Prepayments
in full which may have been received prior to the Closing Date), and the
Mortgaged Property has not been released from the lien of the Mortgage, in
whole or in part, nor has any instrument been executed that would effect
any such satisfaction, cancellation, subordination, rescission or release.
(viii) The Mortgage is a valid, existing and enforceable first
lien on the Mortgaged Property, including all improvements on the
Mortgaged Property subject only to (A) the lien of current real property
taxes and assessments not yet due and payable, (B) covenants, conditions
and restrictions, rights of way, easements and other matters of the public
record as of the date of recording being acceptable to mortgage lending
institutions generally and specifically referred to in the lender's title
insurance policy delivered to the originator of the Mortgage Loan and
which do not adversely affect the Appraised Value of the Mortgaged
Property, and (C) other matters to which like properties are commonly
subject which do not materially interfere with the benefits of the
security intended to be provided by the Mortgage or the use, enjoyment,
value or marketability of the related Mortgaged Property. Any security
agreement, chattel mortgage or equivalent document related to and
delivered in connection with the Mortgage Loan establishes and creates a
valid, existing and enforceable first lien and first priority security
interest on the property described therein and the Depositor has the full
right to sell and assign the same to the Trustee.
(ix) The Mortgage Note and the related Mortgage are genuine and
each is the legal, valid and binding obligation of the maker thereof,
enforceable in accordance with its terms except as enforceability may be
limited by (A) bankruptcy, insolvency, liquidation, receivership,
moratorium, reorganization or other similar laws affecting the enforcement
of the rights of creditors and (B) general principles of equity, whether
enforcement is sought in a proceeding in equity or at law.
(x) All parties to the Mortgage Note and the Mortgage had legal
capacity to enter into the Mortgage Loan and to execute and deliver the
Mortgage Note and the Mortgage, and the Mortgage Note and the Mortgage
have been duly and properly executed by such parties.
(xi) The proceeds of the Mortgage Loan have been fully disbursed
to or for the account of the Mortgagor and there is no obligation for the
Mortgagee to advance additional funds thereunder and any and all
requirements as to completion of any on-site or off-site improvements and
as to disbursements of any escrow funds therefor have been complied with.
All costs fees and expenses incurred in making or closing the Mortgage
Loan and the recording of the Mortgage have been paid, and the Mortgagor
is not entitled to any refund of any amounts paid or due to the Mortgagee
pursuant to the Mortgage Note or Mortgage.
(xii) To the best of the Depositor's knowledge, all parties which
have had any interest in the Mortgage Loan, whether as mortgagee,
assignee, pledgee or otherwise, are (or, during the period in which they
held and disposed of such interest, were) in compliance with any and all
applicable "doing business" and licensing requirements of the laws of the
state wherein the Mortgaged Property is located.
(xiii) The Mortgage Loan is covered by an ALTA lender's title
insurance policy, acceptable to FNMA or FHLMC, issued by a title insurer
acceptable to FNMA or FHLMC and qualified to do business in the
jurisdiction where the Mortgaged Property is located, insuring (subject to
the exceptions contained in (viii)(A) and (B) above) the Seller, its
successors and assigns as to the first priority lien of the Mortgage in
the original principal amount of the Mortgage Loan. The Depositor is the
sole insured of such lender's title insurance policy, and such lender's
title insurance policy is in full force and effect and will be in full
force and effect upon the consummation of the transactions contemplated by
this Agreement. No claims have been made under such lender's title
insurance policy, and the Depositor has not done, by act or omission,
anything which would impair the coverage of such lender's title insurance
policy.
(xiv) There is no default, breach, violation or event of
acceleration existing under the Mortgage or the Mortgage Note and no event
which, with the passage of time or with notice and the expiration of any
grace or cure period, would constitute a default, breach, violation or
event of acceleration, and the Seller has not waived any default, breach,
violation or event of acceleration.
(xv) As of the date of origination of the Mortgage Loan, there
had been no mechanics' or similar liens or claims filed for work, labor or
material (and no rights are outstanding that under law could give rise to
such lien) affecting the relating Mortgaged Property which are or may be
liens prior to, or equal or coordinate with, the lien of the related
Mortgage.
(xvi) All improvements which were considered in determining the
Appraised Value of the related Mortgaged Property lay wholly within the
boundaries and building restriction lines of the Mortgaged Property, and
no improvements on adjoining properties encroach upon the Mortgaged
Property.
(xvii) The Mortgage Loan was originated by a commercial bank or
similar banking institution which is supervised and examined by a federal
or state authority, or by a mortgagee approved by the Secretary of HUD.
(xviii) Principal payments on the Mortgage Loan commenced no more
than sixty days after the proceeds of the Mortgaged Loan were disbursed.
The Mortgage Loans are 30-year fixed rate mortgage loans having an
original term to maturity of not more than 30 years, with interest payable
in arrears on the first day of the month. Each Mortgage Note requires a
monthly payment which is sufficient to fully amortize the original
principal balance over the original term thereof and to pay interest at
the related Mortgage Interest Rate. The Mortgage Note does not permit
negative amortization.
(xix) There is no proceeding pending or, to the Depositor's
knowledge, threatened for the total or partial condemnation of the
Mortgaged Property and such property is in good repair and is undamaged by
waste, fire, earthquake or earth movement, windstorm, flood, tornado or
other casualty, so as to affect adversely the value of the Mortgaged
Property as security for the Mortgage Loan or the use for which the
premises were intended.
(xx) The Mortgage and related Mortgage Note contain customary and
enforceable provisions such as to render the rights and remedies of the
holder thereof adequate for the realization against the Mortgaged Property
of the benefits of the security provided thereby, including (A) in the
case of a Mortgage designated as a deed of trust, by trustee's sale, and
(B) otherwise by judicial foreclosure. To the best of the Depositor's
knowledge, following the date of origination of the Mortgage Loan, the
Mortgaged Property has not been subject to any bankruptcy proceeding or
foreclosure proceeding and the Mortgagor has not filed for protection
under applicable bankruptcy laws. There is no homestead or other exemption
or right available to the Mortgagor or any other person which would
interfere with the right to sell the Mortgaged Property at a trustee's
sale or the right to foreclose the Mortgage.
(xxi) The Mortgage Note and Mortgage are on forms acceptable to
FNMA or FHLMC.
(xxii) The Mortgage Note is not and has not been secured by any
collateral except the lien of the corresponding Mortgage on the Mortgaged
Property and the security interest of any applicable security agreement or
chattel mortgage referred to in (viii) above.
(xxiii) The Mortgage File contains an appraisal of the related
Mortgaged Property, in a form acceptable to FNMA or FHLMC and such
appraisal complies with the requirements of FIRREA, and was made and
signed, prior to the approval of the Mortgage Loan application, by a
Qualified Appraiser.
(xxiv) In the event the Mortgage constitutes a deed of trust, a
trustee, duly qualified under applicable law to serve as such, has been
properly designated and currently so serves and is named in the Mortgage,
and no fees or expenses are or will become payable by the Trustee to the
trustee under the deed of trust, except in connection with a trustee's
sale after default by the Mortgagor.
(xxv) No Mortgage Loan is a graduated payment mortgage loan, no
Mortgage Loan has a shared appreciation or other contingent interest
feature, and no Mortgage Loan contains any "buydown" provision.
(xxvi) The Mortgagor has received all disclosure materials
required by applicable law with respect to the making of mortgage loans of
the same type as the Mortgage Loan and rescission materials required by
applicable law if the Mortgage Loan is a Refinance Mortgage Loan.
(xxvii) Each Mortgage Loan with a Loan-to-Value Ratio at
origination in excess of 80% will be subject to a Primary Mortgage
Insurance Policy, issued by an insurer acceptable to FNMA or FHLMC, which
insures that portion of the Mortgage Loan in excess of the portion of the
Appraised Value of the Mortgaged Property required by FNMA. All provisions
of such Primary Mortgage Insurance Policy have been and are being complied
with, such policy is in full force and effect, and all premiums due
thereunder have been paid. Any Mortgage subject to any such Primary
Mortgage Insurance Policy obligates the Mortgagor thereunder to maintain
such insurance and to pay all premiums and charges in connection therewith
at least until Loan-to-Value Ratio of such Mortgage Loan is reduced to
less than 80%. The Mortgage Interest Rate for the Mortgage Loan does not
include any such insurance premium.
(xxviii) To the best of the Depositor's knowledge as of the date
of origination of the Mortgage Loan, (A) the Mortgaged Property is
lawfully occupied under applicable law, (B) all inspections, licenses and
certificates required to be made or issued with respect to all occupied
portions of the Mortgaged Property and, with respect to the use and
occupancy of the same, including but not limited to certificates of
occupancy, have been made or obtained from the appropriate authorities and
(C) no improvement located on or part of the Mortgaged Property is in
violation of any zoning law or regulation.
(xxix) The Assignment of Mortgage (except with respect to any
Mortgage that has been recorded in the name of MERS or its designee) is in
recordable form and is acceptable for recording under the laws of the
jurisdiction in which the Mortgaged Property is located.
(xxx) All payments required to be made prior to the Cut-Off Date
for such Mortgage Loan under the terms of the Mortgage Note have been made
and no Mortgage Loan has been more than 30 days delinquent more than once
in the twelve month period immediately prior to the Cut-Off Date.
(xxxi) With respect to each Mortgage Loan, the Depositor or
Servicer is in possession of a complete Mortgage File except for the
documents which have been delivered to the Trustee or which have been
submitted for recording and not yet returned.
(xxxii) Immediately prior to the transfer and assignment
contemplated herein, the Depositor was the sole owner and holder of the
Mortgage Loans. The Mortgage Loans were not assigned or pledged by the
Depositor and the Depositor had good and marketable title thereto, and the
Depositor had full right to transfer and sell the Mortgage Loans to the
Trustee free and clear of any encumbrance, participation interest, lien,
equity, pledge, claim or security interest and had full right and
authority subject to no interest or participation in, or agreement with
any other party to sell or otherwise transfer the Mortgage Loans.
(xxxiii) Any future advances made prior to the Cut-Off Date have
been consolidated with the outstanding principal amount secured by the
Mortgage, and the secured principal amount, as consolidated, bears a
single interest rate and single repayment term. The lien of the Mortgage
securing the consolidated principal amount is expressly insured as having
first lien priority by a title insurance policy, an endorsement to the
policy insuring the mortgagee's consolidated interest or by other title
evidence acceptable to FNMA and FHLMC. The consolidated principal amount
does not exceed the original principal amount of the Mortgage Loan.
(xxxiv) The Mortgage Loan was underwritten in accordance with the
applicable Underwriting Guidelines in effect at the time of origination
with exceptions thereto exercised in a reasonable manner.
(xxxv) If the Mortgage Loan is secured by a long-term residential
lease, (1) the lessor under the lease holds a fee simple interest in the
land; (2) the terms of such lease expressly permit the mortgaging of the
leasehold estate, the assignment of the lease without the lessor's consent
and the acquisition by the holder of the Mortgage of the rights of the
lessee upon foreclosure or assignment in lieu of foreclosure or provide
the holder of the Mortgage with substantially similar protections; (3) the
terms of such lease do not (a) allow the termination thereof upon the
lessee's default without the holder of the Mortgage being entitled to
receive written notice of, and opportunity to cure, such default, (b)
allow the termination of the lease in the event of damage or destruction
as long as the Mortgage is in existence, (c) prohibit the holder of the
Mortgage from being insured (or receiving proceeds of insurance) under the
hazard insurance policy or policies relating to the Mortgaged Property or
(d) permit any increase in the rent other than pre-established increases
set forth in the lease; (4) the original term of such lease in not less
than 15 years; (5) the term of such lease does not terminate earlier than
five years after the maturity date of the Mortgage Note; and (6) the
Mortgaged Property is located in a jurisdiction in which the use of
leasehold estates in transferring ownership in residential properties is a
widely accepted practice.
(xxxvi) The Mortgaged Property is located in the state identified
in the Mortgage Loan Schedule and consists of a parcel of real property
with a detached single family residence erected thereon, or a two- to
four-family dwelling, or an individual condominium unit, or an individual
unit in a planned unit development; provided, however, that any
condominium project or planned unit development generally conforms with
the applicable Underwriting Guidelines regarding such dwellings, and no
residence or dwelling is a mobile home or a manufactured dwelling.
(xxxvii) The Depositor used no adverse selection procedures in
selecting the Mortgage Loan for inclusion in the Trust Estate.
(xxxviii)Each Mortgage Loan is a "qualified mortgage" within
Section 860G(a)(3) of the Code.
(xxxix) With respect to each Mortgage where a lost note affidavit
has been delivered to the Trustee in place of the related Mortgage Note,
the related Mortgage Note is no longer in existence.
Notwithstanding the foregoing, no representations or warranties are
made by the Depositor as to the environmental condition of any Mortgaged
Property; the absence, presence or effect of hazardous wastes or hazardous
substances on any Mortgaged Property; any casualty resulting from the presence
or effect of hazardous wastes or hazardous substances on, near or emanating from
any Mortgaged Property; the impact on Certificateholders of any environmental
condition or presence of any hazardous substance on or near any Mortgaged
Property; or the compliance of any Mortgaged Property with any environmental
laws, nor is any agent, Person or entity otherwise affiliated with the Depositor
authorized or able to make any such representation, warranty or assumption of
liability relative to any Mortgaged Property. In addition, no representations or
warranties are made by the Depositor with respect to the absence or effect of
fraud in the origination of any Mortgage Loan.
It is understood and agreed that the representations and warranties
set forth in this Section 2.05 shall survive delivery of the respective Mortgage
Files to the Trustee or the Custodian and shall inure to the benefit of the
Trustee, notwithstanding any restrictive or qualified endorsement or assignment.
Upon discovery by either the Depositor, either Servicer, the Trustee
or the Custodian that any of the representations and warranties set forth in
this Section 2.05 is not accurate (referred to herein as a "breach") and that
such breach materially and adversely affects the interests of the
Certificateholders in the related Mortgage Loan, the party discovering such
breach shall give prompt written notice to the other parties (any Custodian
being so obligated under a Custodial Agreement); provided, that any such breach
that causes the Mortgage Loan not to be a "qualified mortgage" within the
meaning of Section 860G(a)(3) of the Code shall be deemed to materially and
adversely affect the interests of the Certificateholders. Within 90 days of its
discovery or its receipt of notice of any such breach, the Depositor shall cure
such breach in all material respects or shall either (i) repurchase the Mortgage
Loan or any property acquired in respect thereof from the Trustee at a price
equal to the Repurchase Price or (ii) if within two years of the Closing Date,
substitute for such Mortgage Loan in the manner described in Section 2.02;
provided that if the breach would cause the Mortgage Loan to be other than a
"qualified mortgage" as defined in Section 860G(a)(3) of the Code, any such
repurchase or substitution must occur within 90 days from the date the breach
was discovered. The Repurchase Price of any repurchase described in this
paragraph and the Substitution Adjustment Amount, if any, shall be deposited in
the Certificate Account. It is understood and agreed that the obligation of the
Depositor to repurchase or substitute for any Mortgage Loan or Mortgaged
Property as to which such a breach has occurred and is continuing shall
constitute the sole remedy respecting such breach available to
Certificateholders, or to the Trustee on behalf of Certificateholders, and such
obligation shall survive until termination of the Trust hereunder.
Section 2.06 Designation of Interests in the REMIC. The Depositor
hereby designates the Classes of Class A Certificates (other than the Class A-R
Certificate) and the Classes of Class B Certificates as classes of "regular
interests" and the Class A-R Certificate as the single class of "residual
interest" in the REMIC for the purposes of Code Sections 860G(a)(1) and
860G(a)(2), respectively.
Section 2.07 Designation of Start-up Day. The Closing Date is hereby
designated as the "start-up day" of the REMIC within the meaning of Section
860G(a)(9) of the Code.
Section 2.08 REMIC Certificate Maturity Date. Solely for purposes of
satisfying Section 1.860G-1(a)(4)(iii) of the Treasury Regulations, the "latest
possible maturity date" of the regular interests in the REMIC is June 25, 2029.
Section 2.09 Execution and Delivery of Certificates. The Trustee has
executed and delivered to or upon the order of the Depositor, in exchange for
the Mortgage Loans together with all other assets included in the definition of
"Trust Estate," receipt of which is hereby acknowledged, Certificates in
authorized denominations which evidence ownership of the entire Trust Estate.
ARTICLE III
ADMINISTRATION AND SERVICING
OF MORTGAGE LOANS
Section 3.01 Servicers to Service Mortgage Loans. For and on behalf
of the Certificateholders, the NMC Servicer shall service and administer the NMC
Mortgage Loans and the BA Servicer shall service and administer the BA Mortgage
Loans, each in accordance with the terms of this Agreement, Customary Servicing
Procedures, applicable law and the terms of the Mortgage Notes and Mortgages. In
connection with such servicing and administration, each Servicer shall have full
power and authority, acting alone and/or through Subservicers as provided in
Section 3.02, to do or cause to be done any and all things that it may deem
necessary or desirable in connection with such servicing and administration
including, but not limited to, the power and authority, subject to the terms
hereof, (a) to execute and deliver, on behalf of the Certificateholders and the
Trustee, customary consents or waivers and other instruments and documents, (b)
to consent, with respect to the Mortgage Loans it services, to transfers of any
Mortgaged Property and assumptions of the Mortgage Notes and related Mortgages
(but only in the manner provided in this Agreement), (c) to collect any
Insurance Proceeds and other Liquidation Proceeds relating to the Mortgage Loans
it services, and (d) to effectuate foreclosure or other conversion of the
ownership of the Mortgaged Property securing any Mortgage Loan it services. Each
Servicer shall represent and protect the interests of the Trust in the same
manner as it protects its own interests in mortgage loans in its own portfolio
in any claim, proceeding or litigation regarding a Mortgage Loan and shall not
make or permit any modification, waiver or amendment of any term of any Mortgage
Loan, except as provided pursuant to Section 3.21. Without limiting the
generality of the foregoing, each Servicer, in its own name or in the name of
any Subservicer or the Depositor and the Trustee, is hereby authorized and
empowered by the Depositor and the Trustee, when such Servicer or any
Subservicer, as the case may be, believes it appropriate in its reasonable
judgment, to execute and deliver, on behalf of the Trustee, the Depositor, the
Certificateholders or any of them, any and all instruments of satisfaction or
cancellation, or of partial or full release or discharge, and all other
comparable instruments, with respect to the Mortgage Loans it services, and with
respect to the related Mortgaged Properties held for the benefit of the
Certificateholders. Each Servicer shall prepare and deliver to the Depositor
and/or the Trustee such documents requiring execution and delivery by either or
both of them as are necessary or appropriate to enable such Servicer to service
and administer the Mortgage Loans it services to the extent that such Servicer
is not permitted to execute and deliver such documents pursuant to the preceding
sentence. Upon receipt of such documents, the Depositor and/or the Trustee, upon
the direction of the related Servicer, shall promptly execute such documents and
deliver them to the related Servicer.
In accordance with the standards of the preceding paragraph, each
Servicer shall advance or cause to be advanced funds as necessary for the
purpose of effecting the payment of taxes and assessments on the Mortgaged
Properties relating to the Mortgage Loans it services, which Servicing Advances
shall be reimbursable in the first instance from related collections from the
Mortgagors pursuant to Section 3.09, and further as provided in Section 3.11.
The costs incurred by the Servicers, if any, in effecting the timely payments of
taxes and assessments on the Mortgaged Properties and related insurance premiums
shall not, for the purpose of calculating monthly distributions to the
Certificateholders, be added to the Stated Principal Balances of the related
Mortgage Loans, notwithstanding that the terms of such Mortgage Loans so permit.
The relationship of each Servicer (and of any successor to either
Servicer as servicer under this Agreement) to the Trustee under this Agreement
is intended by the parties to be that of an independent contractor and not that
of a joint venturer, partner or agent.
Section 3.02 Subservicing; Enforcement of the Obligations of
Servicers.
(a) Either Servicer may arrange for the subservicing of any
Mortgage Loan it services by a Subservicer pursuant to a Subservicing Agreement;
provided, however, that such subservicing arrangement and the terms of the
related Subservicing Agreement must provide for the servicing of such Mortgage
Loan in a manner consistent with the servicing arrangements contemplated
hereunder. Notwithstanding the provisions of any Subservicing Agreement, any of
the provisions of this Agreement relating to agreements or arrangements between
a Servicer and a Subservicer or reference to actions taken through a Subservicer
or otherwise, such Servicer shall remain obligated and liable to the Depositor,
the Trustee and the Certificateholders for the servicing and administration of
the Mortgage Loans it services in accordance with the provisions of this
Agreement without diminution of such obligation or liability by virtue of such
Subservicing Agreements or arrangements or by virtue of indemnification from the
Subservicer and to the same extent and under the same terms and conditions as if
such Servicer alone were servicing and administering those Mortgage Loans. All
actions of each Subservicer performed pursuant to the related Subservicing
Agreement shall be performed as agent of the related Servicer with the same
force and effect as if performed directly by such Servicer.
(b) For purposes of this Agreement, each Servicer shall be deemed
to have received any collections, recoveries or payments with respect to the
Mortgage Loans it services that are received by a Subservicer regardless of
whether such payments are remitted by the Subservicer to such Servicer.
(c) As part of its servicing activities hereunder, each Servicer,
for the benefit of the Trustee and the Certificateholders, shall use its best
reasonable efforts to enforce the obligations of each Subservicer engaged by
such Servicer under the related Subservicing Agreement, to the extent that the
non-performance of any such obligation would have a material and adverse effect
on a Mortgage Loan. Such enforcement, including, without limitation, the legal
prosecution of claims, termination of Subservicing Agreements and the pursuit of
other appropriate remedies, shall be in such form and carried out to such an
extent and at such time as the related Servicer, in its good faith business
judgment, would require were it the owner of the related Mortgage Loans. The
related Servicer shall pay the costs of such enforcement at its own expense, and
shall be reimbursed therefor only (i) from a general recovery resulting from
such enforcement to the extent, if any, that such recovery exceeds all amounts
due in respect of the related Mortgage Loan or (ii) from a specific recovery of
costs, expenses or attorneys fees against the party against whom such
enforcement is directed.
(d) Any Subservicing Agreement entered into by a Servicer shall
provide that it may be assumed or terminated by the Trustee, if the Trustee has
assumed the duties of such Servicer, or any successor Servicer, at the Trustee's
or successor Servicer's option, as applicable, without cost or obligation to the
assuming or terminating party or the Trust Estate, upon the assumption by such
party of the obligations of such Servicer pursuant to Section 8.05.
Any Subservicing Agreement, and any other transactions or services
relating to the Mortgage Loans involving a Subservicer, shall be deemed to be
between the related Servicer and such Subservicer alone, and the Trustee and the
Certificateholders shall not be deemed parties thereto and shall have no claims
or rights of action against, rights, obligations, duties or liabilities to or
with respect to the Subservicer or its officers, directors or employees, except
as set forth in Section 3.01.
Section 3.03 Fidelity Bond; Errors and Omissions Insurance.
Each Servicer shall maintain, at its own expense, a blanket fidelity
bond and an errors and omissions insurance policy, with broad coverage on all
officers, employees or other persons acting in any capacity requiring such
persons to handle funds, money, documents or papers relating to the Mortgage
Loans it services. These policies must insure such Servicer against losses
resulting from dishonest or fraudulent acts committed by such Servicer's
personnel, any employees of outside firms that provide data processing services
for such Servicer, and temporary contract employees or student interns. Such
fidelity bond shall also protect and insure such Servicer against losses in
connection with the release or satisfaction of a Mortgage Loan without having
obtained payment in full of the indebtedness secured thereby. No provision of
this Section 3.03 requiring such fidelity bond and errors and omissions
insurance shall diminish or relieve such Servicer from its duties and
obligations as set forth in this Agreement. The minimum coverage under any such
bond and insurance policy shall be at least equal to the corresponding amounts
required by FNMA in the FNMA Servicing Guide or by FHLMC in the FHLMC Sellers' &
Servicers' Guide, as amended or restated from time to time, or in an amount as
may be permitted to such Servicer by express waiver of FNMA or FHLMC.
Section 3.04 Access to Certain Documentation.
Each Servicer shall provide to the OTS and the FDIC and to
comparable regulatory authorities supervising Holders of Subordinate
Certificates and the examiners and supervisory agents of the OTS, the FDIC and
such other authorities, access to the documentation required by applicable
regulations of the OTS and the FDIC with respect to the Mortgage Loans serviced
by such Servicer. Such access shall be afforded without charge, but only upon
reasonable and prior written request and during normal business hours at the
offices designated by such Servicer. Nothing in this Section 3.04 shall limit
the obligation of such Servicer to observe any applicable law and the failure of
such Servicer to provide access as provided in this Section 3.04 as a result of
such obligation shall not constitute a breach of this Section 3.04.
Section 3.05 Maintenance of Primary Mortgage Insurance Policy;
Claims.
With respect to each Mortgage Loan with a Loan-to-Value Ratio in
excess of 80% or such other Loan-to-Value Ratio as may be required by law, the
Servicer responsible for servicing such Mortgage Loan shall, without any cost to
the Trust Estate, maintain or cause the Mortgagor to maintain in full force and
effect a Primary Insurance Policy insuring that portion of the Mortgage Loan in
excess of a percentage in conformity with FNMA requirements. The related
Servicer shall pay or shall cause the Mortgagor to pay the premium thereon on a
timely basis, at least until the Loan-to-Value Ratio of such Mortgage Loan is
reduced to 80% or such other Loan-to-Value Ratio as may be required by law. If
such Primary Insurance Policy is terminated, the related Servicer shall obtain
from another insurer a comparable replacement policy, with a total coverage
equal to the remaining coverage of such terminated Primary Insurance Policy. If
the insurer shall cease to be an insurer acceptable to FNMA, the related
Servicer shall notify the Trustee in writing, it being understood that such
Servicer shall not have any responsibility or liability for any failure to
recover under the Primary Insurance Policy for such reason. If such Servicer
determines that recoveries under the Primary Insurance Policy are jeopardized by
the financial condition of the insurer, such Servicer shall obtain from another
insurer which meets the requirements of this Section 3.05 a replacement
insurance policy. A Servicer shall not take any action that would result in
noncoverage under any applicable Primary Insurance Policy of any loss that, but
for the actions of such Servicer, would have been covered thereunder. In
connection with any assumption or substitution agreement entered into or to be
entered into pursuant to Section 3.13, the related Servicer shall promptly
notify the insurer under the related Primary Insurance Policy, if any, of such
assumption or substitution of liability in accordance with the terms of such
Primary Insurance Policy and shall take all actions which may be required by
such insurer as a condition to the continuation of coverage under such Primary
Insurance Policy. If such Primary Insurance Policy is terminated as a result of
such assumption or substitution of liability, the related Servicer shall obtain
a replacement Primary Insurance Policy as provided above.
In connection with its activities as servicer, each Servicer agrees
to prepare and present, on behalf of itself, the Trustee and the
Certificateholders, claims to the insurer under any Primary Insurance Policy in
a timely fashion in accordance with the terms of such Primary Insurance Policy
and, in this regard, to take such action as shall be necessary to permit
recovery under any Primary Insurance Policy respecting a defaulted Mortgage Loan
serviced by such Servicer. Pursuant to Section 3.09(a), any amounts collected by
a Servicer under any Primary Insurance Policy shall be deposited in the related
Escrow Account, subject to withdrawal pursuant to Section 3.09(b).
Section 3.06 Rights of the Depositor and the Trustee in Respect of
the Servicers.
The Depositor may, but is not obligated to, enforce the obligations
of each Servicer hereunder and may, but is not obligated to, perform, or cause a
designee to perform, any defaulted obligation of either Servicer hereunder and
in connection with any such defaulted obligation to exercise the related rights
of such Servicer hereunder; provided that a Servicer shall not be relieved of
any of its obligations hereunder by virtue of such performance by the Depositor
or its designee. Neither the Trustee nor the Depositor shall have any
responsibility or liability for any action or failure to act by a Servicer nor
shall the Trustee or the Depositor be obligated to supervise the performance of
a Servicer hereunder or otherwise.
Any Subservicing Agreement that may be entered into and any
transactions or services relating to the Mortgage Loans involving a Subservicer
in its capacity as such shall be deemed to be between the Subservicer and the
applicable Servicer alone, and the Trustee and Certificateholders shall not be
deemed parties thereto and shall have no claims, rights, obligations, duties or
liabilities with respect to the Subservicer except as set forth in Section 3.07.
Each Servicer shall be solely liable for all fees owed by it to any Subservicer,
irrespective of whether each Servicer's compensation pursuant to this Agreement
is sufficient to pay such fees.
Section 3.07 Trustee to Act as Servicer.
If either Servicer shall for any reason no longer be a Servicer
hereunder (including by reason of an Event of Default), the Trustee shall
thereupon assume, if it so elects, or shall appoint a successor Servicer to
assume, all of the rights and obligations of such Servicer hereunder arising
thereafter (except that the Trustee shall not be (a) liable for losses of such
Servicer pursuant to Section 3.12 or any acts or omissions of the predecessor
Servicer hereunder, (b) obligated to make Advances if it is prohibited from
doing so by applicable law or (c) deemed to have made any representations and
warranties of such Servicer hereunder). Any such assumption shall be subject to
Section 7.02. If either Servicer shall for any reason no longer be a Servicer
(including by reason of any Event of Default), the Trustee or the successor
Servicer may elect to succeed to any rights and obligations of such Servicer
under each Subservicing Agreement or may terminate each Subservicing Agreement.
If it has elected to assume the Subservicing Agreement, the Trustee or the
successor Servicer shall be deemed to have assumed all of the related Servicer's
interest therein and to have replaced such Servicer as a party to any
Subservicing Agreement entered into by such Servicer as contemplated by Section
3.02 to the same extent as if the Subservicing Agreement had been assigned to
the assuming party except that such Servicer shall not be relieved of any
liability or obligations under any such Subservicing Agreement.
Each Servicer that is no longer a Servicer hereunder shall, upon
request of the Trustee, but at the expense of such Servicer, deliver to the
assuming party all documents and records relating to each Subservicing Agreement
or substitute servicing agreement and the Mortgage Loans then being serviced
thereunder and an accounting of amounts collected or held by it and otherwise
use its best efforts to effect the orderly and efficient transfer of such
substitute Subservicing Agreement to the assuming party.
Section 3.08 Collection of Mortgage Loan Payments; Servicer
Custodial Accounts; Certificate Account.
(a) Continuously from the date hereof until the principal and
interest on all Mortgage Loans are paid in full, each Servicer will proceed
diligently, in accordance with this Agreement, to collect all payments due under
each of the Mortgage Loans it services when the same shall become due and
payable. Further, each Servicer will in accordance with all applicable law and
Customary Servicing Procedures ascertain and estimate taxes, assessments, fire
and hazard insurance premiums, mortgage insurance premiums and all other charges
with respect to the Mortgage Loans it services that, as provided in any
Mortgage, will become due and payable to the end that the installments payable
by the Mortgagors will be sufficient to pay such charges as and when they become
due and payable. Consistent with the foregoing, either Servicer may in its
discretion (i) waive any late payment charge or any prepayment charge or penalty
interest in connection with the prepayment of a Mortgage Loan it services and
(ii) extend the due dates for payments due on a Mortgage Note for a period not
greater than 120 days; provided, however, that a Servicer cannot extend the
maturity of any such Mortgage Loan past the date on which the final payment is
due on the latest maturing Mortgage Loan as of the Cut-Off Date. In the event of
any such arrangement, the Servicer permitting such arrangement shall make
Periodic Advances on the related Mortgage Loan in accordance with the provisions
of Section 3.20 during the scheduled period in accordance with the amortization
schedule of such Mortgage Loan without modification thereof by reason of such
arrangements. A Servicer shall not be required to institute or join in
litigation with respect to collection of any payment (whether under a Mortgage,
Mortgage Note or otherwise or against any public or governmental authority with
respect to a taking or condemnation) if it reasonably believes that enforcing
the provision of the Mortgage or other instrument pursuant to which such payment
is required is prohibited by applicable law.
(b) The NMC Servicer shall establish and maintain the NMC Servicer
Custodial Account. The BA Servicer shall establish and maintain the BA Servicer
Custodial Account. The NMC Servicer shall deposit or cause to be deposited into
the NMC Servicer Custodial Account and the BA Servicer shall deposit or cause to
be deposited into the BA Servicer Custodial Account, both on a daily basis
within one Business Day of receipt, except as otherwise specifically provided
herein, the following payments and collections remitted by Subservicers or
received by such Servicer in respect of Mortgage Loans it services subsequent to
the Cut-Off Date (other than in respect of principal and interest due on the
Mortgage Loans on or before the Cut-Off Date) and the following amounts required
to be deposited hereunder with respect to the Mortgage Loans it services:
(i) all payments on account of principal of such Mortgage Loans,
including Principal Prepayments;
(ii) all payments on account of interest on such Mortgage Loans,
net of the Servicing Fee;
(iii) (A) all Insurance Proceeds and Liquidation Proceeds, other
than Insurance Proceeds to be (1) applied to the restoration or repair of
the Mortgaged Property, (2) released to the Mortgagor in accordance with
Customary Servicing Procedures or (3) required to be deposited to an
Escrow Account pursuant to Section 3.09(a) and (B) any Insurance Proceeds
released from an Escrow Account pursuant to Section 3.09(b)(iv);
(iv) any amount required to be deposited by such Servicer
pursuant to Section 3.08(d) in connection with any losses on Permitted
Investments with respect to such Servicer Custodial Account;
(v) any amounts required to be deposited by such Servicer
pursuant to Section 3.14;
(vi) all Repurchase Prices and all Substitution Adjustment
Amounts received by such Servicer;
(vii) Periodic Advances made by such Servicer pursuant to Section
3.20 and any payments of Compensating Interest; and
(viii) any other amounts required to be deposited hereunder.
The foregoing requirements for deposits to the Servicer Custodial
Accounts by the Servicers shall be exclusive, it being understood and agreed
that, without limiting the generality of the foregoing, payments in the nature
of prepayment penalties, late payment charges or assumption fees, if collected,
need not be deposited by the Servicers. If a Servicer shall deposit in the
related Servicer Custodial Account any amount not required to be deposited, it
may at any time withdraw or direct the institution maintaining such Servicer
Custodial Account to withdraw such amount from such Servicer Custodial Account,
any provision herein to the contrary notwithstanding. Each Servicer Custodial
Account may contain funds that belong to one or more trust funds created for
mortgage pass-through certificates of other series and may contain other funds
respecting payments on mortgage loans belonging to the applicable Servicer or
serviced by such Servicer on behalf of others. Notwithstanding such commingling
of funds, each Servicer shall keep records that accurately reflect the funds on
deposit in the applicable Servicer Custodial Account that have been identified
by it as being attributable to the Mortgage Loans it services. Each Servicer
shall maintain adequate records with respect to all withdrawals made pursuant to
this Section 3.08. All funds required to be deposited in a Servicer Custodial
Account shall be held in trust for the Certificateholders until withdrawn in
accordance with Section 3.11.
(c) The Trustee shall establish and maintain, on behalf of the
Certificateholders, the Certificate Account. The Trustee shall, promptly upon
receipt, deposit in the Certificate Account and retain therein the following:
(i) the aggregate amount remitted by each Servicer to the Trustee
pursuant to Section 3.11(a)(viii);
(ii) any amount paid by the Trustee pursuant to Section 3.08(d)
in connection with any losses on Permitted Investments with respect to the
Certificate Account; and
(iii) any other amounts deposited hereunder which are required to
be deposited in the Certificate Account.
If a Servicer shall remit any amount not required to be remitted, it
may at any time direct the Trustee to withdraw such amount from the Certificate
Account, any provision herein to the contrary notwithstanding. Such direction
may be accomplished by delivering an Officer's Certificate to the Trustee which
describes the amounts deposited in error in the Certificate Account. All funds
required to be deposited in the Certificate Account shall be held by the Trustee
in trust for the Certificateholders until disbursed in accordance with this
Agreement or withdrawn in accordance with Section 3.11. In no event shall the
Trustee incur liability for withdrawals from the Certificate Account at the
direction of a Servicer.
(d) Each institution at which either Servicer Custodial Account or
the Certificate Account is maintained shall invest the funds therein as directed
in writing by the NMC Servicer (with respect to the NMC Servicer Custodial
Account), the BA Servicer (with respect to the BA Servicer Custodial Account) or
the Trustee (with respect to the Certificate Account) in Permitted Investments,
which shall mature not later than (i) in the case of either Servicer Custodial
Account, the Business Day next preceding the related Remittance Date (except
that if such Permitted Investment is an obligation of the institution that
maintains such account, then such Permitted Investment shall mature not later
than such Remittance Date) and (ii) in the case of the Certificate Account, the
Business Day next preceding the Distribution Date (except that if such Permitted
Investment is an obligation of the institution that maintains such account, then
such Permitted Investment shall mature not later than such Distribution Date)
and, in each case, shall not be sold or disposed of prior to its maturity. All
such Permitted Investments shall be made in the name of the Trustee, for the
benefit of the Certificateholders. All income and gain (net of any losses)
realized from any such investment of funds on deposit in the NMC Servicer
Custodial Account shall be for the benefit of the NMC Servicer as servicing
compensation and shall be retained by it monthly as provided herein. All income
or gain (net of any losses) realized from any such investment of funds on
deposit in the BA Servicer Custodial Account shall be for the benefit of the BA
Servicer as servicing compensation and shall be retained by it monthly as
provided herein. All income or gain (net of any losses) realized from any such
investment of funds on deposit in the Certificate Account shall be for the
benefit of the Trustee as additional compensation and shall be retained by it
monthly as provided herein. The amount of any losses realized in the NMC
Servicer Custodial Account, the BA Servicer Custodial Account or the Certificate
Account incurred in any such account in respect of any such investments shall
promptly be deposited by the NMC Servicer in the NMC Servicer Custodial Account,
the BA Servicer in the BA Servicer Custodial Account or by the Trustee in the
Certificate Account, as applicable.
(e) A Servicer shall give notice to the Trustee of any proposed
change of the location of the Servicer Custodial Account maintained by such
Servicer not later than 30 days and not more than 45 days prior to any change
thereof. The Trustee shall give notice to the Servicers, each Rating Agency and
the Depositor of any proposed change of the location of the Certificate Account
not later than 30 days and not more than 45 days prior to any change thereof.
The creation of any Servicer Custodial Account shall be evidenced by a
certification substantially in the form of Exhibit F hereto. A copy of such
certification shall be furnished to the Trustee.
Section 3.09 Collection of Taxes, Assessments and Similar Items;
Escrow Accounts.
(a) To the extent required by the related Mortgage Note and not
violative of current law, each Servicer shall segregate and hold all funds
collected and received pursuant to each Mortgage Loan serviced by such Servicer
which constitute Escrow Payments in trust separate and apart from any of its own
funds and general assets and for such purpose shall establish and maintain one
or more escrow accounts (collectively, the "Escrow Account"), titled "[Insert
name of Servicer], in trust for registered holders of Bank of America Mortgage
Securities, Inc. Mortgage Pass-Through Certificates, Series 1999-5 and various
Mortgagors." The Escrow Account shall be established with a commercial bank, a
savings bank or a savings and loan association that meets the guidelines set
forth by FNMA or FHLMC as an eligible institution for escrow accounts and which
is a member of the Automated Clearing House. In any case, the Escrow Account
shall be insured by the FDIC to the fullest extent permitted by law. Each
Servicer shall deposit in the appropriate Escrow Account on a daily basis, and
retain therein: (i) all Escrow Payments collected on account of the Mortgage
Loans serviced by such Servicer, (ii) all amounts representing proceeds of any
hazard insurance policy which are to be applied to the restoration or repair of
any related Mortgaged Property and (iii) all amounts representing proceeds of
any Primary Insurance Policy. Nothing herein shall require either Servicer to
compel a Mortgagor to establish an Escrow Account in violation of applicable
law.
(b) Withdrawals of amounts so collected from the Escrow Accounts
may be made by the related Servicer only (i) to effect timely payment of taxes,
assessments, mortgage insurance premiums, fire and hazard insurance premiums,
condominium or PUD association dues, or comparable items constituting Escrow
Payments for the related Mortgage, (ii) to reimburse such Servicer out of
related Escrow Payments made with respect to a Mortgage Loan for any Servicing
Advance made by such Servicer pursuant to Section 3.09(c) with respect to such
Mortgage Loan, (iii) to refund to any Mortgagor any sums determined to be
overages, (iv) for transfer to the related Servicer Custodial Account upon
default of a Mortgagor or in accordance with the terms of the related Mortgage
Loan and if permitted by applicable law, (v) for application to restore or
repair the Mortgaged Property, (vi) to pay to the Mortgagor, to the extent
required by law, any interest paid on the funds deposited in the Escrow Account,
(vii) to pay to itself any interest earned on funds deposited in the Escrow
Account (and not required to be paid to the Mortgagor), (viii) to the extent
permitted under the terms of the related Mortgage Note and applicable law, to
pay late fees with respect to any Monthly Payment which is received after the
applicable grace period, (ix) to withdraw suspense payments that are deposited
into the Escrow Account, (x) to withdraw any amounts inadvertently deposited in
the Escrow Account or (xi) to clear and terminate the Escrow Account upon the
termination of this Agreement in accordance with Section 10.01. Any Escrow
Account shall not be a part of the Trust Estate.
(c) With respect to each Mortgage Loan it services, each Servicer
shall maintain accurate records reflecting the status of taxes, assessments and
other charges which are or may become a lien upon the Mortgaged Property and the
status of Primary Insurance Policy premiums and fire and hazard insurance
coverage. Each Servicer shall obtain, from time to time, all bills for the
payment of such charges (including renewal premiums) and shall effect payment
thereof prior to the applicable penalty or termination date and at a time
appropriate for securing maximum discounts allowable, employing for such purpose
deposits of the Mortgagor in the Escrow Account, if any, which shall have been
estimated and accumulated by such Servicer in amounts sufficient for such
purposes, as allowed under the terms of the Mortgage. To the extent that a
Mortgage does not provide for Escrow Payments, the related Servicer shall
determine that any such payments are made by the Mortgagor. The related Servicer
assumes full responsibility for the timely payment of all such bills and shall
effect timely payments of all such bills irrespective of each Mortgagor's
faithful performance in the payment of same or the making of the Escrow
Payments. The related Servicer shall advance any such payments that are not
timely paid, but such Servicer shall be required so to advance only to the
extent that such Servicing Advances, in the good faith judgment of such
Servicer, will be recoverable by such Servicer out of Insurance Proceeds,
Liquidation Proceeds or otherwise.
Section 3.10 Access to Certain Documentation and Information
Regarding the Mortgage Loans.
Each Servicer shall afford the Trustee reasonable access to all
records and documentation regarding the Mortgage Loans serviced by said Servicer
and all accounts, insurance information and other matters relating to this
Agreement, such access being afforded without charge, but only upon reasonable
request and during normal business hours at the office designated by the
applicable Servicer.
Upon reasonable advance notice in writing, each Servicer will
provide to each Certificateholder which is a savings and loan association, bank
or insurance company certain reports and reasonable access to information and
documentation regarding the Mortgage Loans serviced by such Servicer sufficient
to permit such Certificateholder to comply with applicable regulations of the
OTS or other regulatory authorities with respect to investment in the
Certificates; provided that such Servicer shall be entitled to be reimbursed by
each such Certificateholder for actual expenses incurred by such Servicer in
providing such reports and access.
Section 3.11 Permitted Withdrawals from the Servicer Custodial
Accounts and Certificate Account.
(a) The NMC Servicer may from time to time make withdrawals from
the NMC Servicer Custodial Account, and the BA Servicer may from time to time
make withdrawals from the BA Servicer Custodial Account, for the following
purposes:
(i) to pay to the related Servicer (to the extent not previously
retained), the servicing compensation to which it is entitled pursuant to
Section 3.17, and to pay to the related Servicer, as additional servicing
compensation, earnings on or investment income with respect to funds in or
credited to the related Servicer Custodial Account;
(ii) to reimburse the related Servicer for unreimbursed Advances
made by it, such right of reimbursement pursuant to this clause (ii) being
limited to amounts received on the Mortgage Loan(s) in respect of which
any such Advance was made;
(iii) to reimburse the related Servicer for any Nonrecoverable
Advance previously made;
(iv) to reimburse the related Servicer for Insured Expenses from
the related Insurance Proceeds;
(v) to pay to the purchaser, with respect to each Mortgage Loan
or REO Property that has been purchased pursuant to Section 2.02 or 2.05,
all amounts received thereon after the date of such purchase;
(vi) to reimburse the related Servicer or the Depositor for
expenses incurred by any of them and reimbursable pursuant to Section
7.03;
(vii) to withdraw any amount deposited in the related Servicer
Custodial Account and not required to be deposited therein;
(viii) on or prior to the Remittance Date, to withdraw an amount
equal to the related Pool Distribution Amount, the related Trustee Fee and
any other amounts due to the Trustee under this Agreement for such
Distribution Date, to the extent on deposit, and remit such amount in
immediately available funds to the Trustee for deposit in the Certificate
Account; and
(ix) to clear and terminate the related Servicer Custodial
Account upon termination of this Agreement pursuant to Section 10.01.
Each Servicer shall keep and maintain separate accounting, on a
Mortgage Loan by Mortgage Loan basis, for the purpose of justifying any
withdrawal from the related Servicer Custodial Account pursuant to clauses (i),
(ii), (iv) and (v). Prior to making any withdrawal from the related Servicer
Custodial Account pursuant to clause (iii), each Servicer shall deliver to the
Trustee an Officer's Certificate of a Servicing Officer indicating the amount of
any previous Advance determined by such Servicer to be a Nonrecoverable Advance
and identifying the related Mortgage Loan(s) and their respective portions of
such Nonrecoverable Advance.
(b) The Trustee shall withdraw funds from the Certificate Account
for distributions to Certificateholders in the manner specified in this
Agreement. In addition, the Trustee may from time to time make withdrawals from
the Certificate Account for the following purposes:
(i) to pay to itself the Trustee Fee and any other amounts due to
the Trustee under this Agreement for the related Distribution Date;
(ii) to pay to itself as additional compensation earnings on or
investment income with respect to funds in the Certificate Account;
(iii) to withdraw and return to the related Servicer any amount
deposited in the Certificate Account and not required to be deposited
therein; and
(iv) to clear and terminate the Certificate Account upon
termination of the Agreement pursuant to Section 10.01.
Section 3.12 Maintenance of Hazard Insurance.
Each Servicer shall cause to be maintained for each Mortgage Loan
serviced by such Servicer fire and hazard insurance with extended coverage
customary in the area where the Mortgaged Property is located in an amount which
is at least equal to the lesser of (a) the full insurable value of the Mortgaged
Property or (b) the greater of (i) the outstanding principal balance owing on
the Mortgage Loan and (ii) an amount such that the proceeds of such insurance
shall be sufficient to avoid the application to the Mortgagor or loss payee of
any coinsurance clause under the policy. If the Mortgaged Property is in an area
identified in the Federal Register by the Federal Emergency Management Agency as
having special flood hazards (and such flood insurance has been made available)
the related Servicer will cause to be maintained a flood insurance policy
meeting the requirements of the current guidelines of the Federal Insurance
Administration and the requirements of FNMA or FHLMC. Each Servicer shall also
maintain on REO Property serviced by such Servicer, fire and hazard insurance
with extended coverage in an amount which is at least equal to the maximum
insurable value of the improvements which are a part of such property, liability
insurance and, to the extent required, flood insurance in an amount required
above. Any amounts collected by a Servicer under any such policies (other than
amounts to be deposited in an Escrow Account and applied to the restoration or
repair of the property subject to the related Mortgage or property acquired in
liquidation of the Mortgage Loan, or to be released to the Mortgagor in
accordance with Customary Servicing Procedures) shall be deposited in the
related Servicer Custodial Account, subject to withdrawal pursuant to Section
3.11(a). It is understood and agreed that no earthquake or other additional
insurance need be required by a Servicer of any Mortgagor or maintained on REO
Property, other than pursuant to such applicable laws and regulations as shall
at any time be in force and as shall require such additional insurance. All
policies required hereunder shall be endorsed with standard mortgagee clauses
with loss payable to the related Servicer, and shall provide for at least 30
days prior written notice of any cancellation, reduction in amount or material
change in coverage to such Servicer.
The hazard insurance policies for each Mortgage Loan secured by a
unit in a condominium development or planned unit development shall be
maintained with respect to such Mortgage Loan and the related development in a
manner which is consistent with FNMA requirements.
Notwithstanding the foregoing, either Servicer may maintain a
blanket policy insuring against hazard losses on all of the Mortgaged Properties
relating to the Mortgage Loans serviced by such Servicer in lieu of maintaining
the required hazard insurance policies for each Mortgage Loan and may maintain a
blanket policy insuring against special flood hazards in lieu of maintaining any
required flood insurance. Any such blanket policies shall (A) be consistent with
prudent industry standards, (B) name the related Servicer as loss payee, (C)
provide coverage in an amount equal to the aggregate unpaid principal balance on
the related Mortgage Loans without co-insurance, and (D) otherwise comply with
the requirements of this Section 3.12. Any such blanket policy may contain a
deductible clause; provided that if any Mortgaged Property is not covered by a
separate policy otherwise complying with this Section 3.12 and a loss occurs
with respect to such Mortgaged Property which loss would have been covered by
such a policy, the related Servicer shall deposit in the related Servicer
Custodial Account the difference, if any, between the amount that would have
been payable under a separate policy complying with Section 3.12 and the amount
paid under such blanket policy.
Section 3.13 Enforcement of Due-On-Sale Clauses; Assumption
Agreements.
(a) Except as otherwise provided in this Section 3.13, when any
Mortgaged Property subject to a Mortgage has been conveyed by the Mortgagor, the
related Servicer shall use reasonable efforts, to the extent that it has actual
knowledge of such conveyance, to enforce any due-on-sale clause contained in any
Mortgage Note or Mortgage, to the extent permitted under applicable law and
governmental regulations, but only to the extent that such enforcement will not
adversely affect or jeopardize coverage under any Required Insurance Policy.
Notwithstanding the foregoing, a Servicer is not required to exercise such
rights with respect to a Mortgage Loan if the Person to whom the related
Mortgaged Property has been conveyed or is proposed to be conveyed satisfies the
terms and conditions contained in the Mortgage Note and Mortgage related thereto
and the consent of the mortgagee under such Mortgage Note or Mortgage is not
otherwise required under such Mortgage Note or Mortgage as a condition to such
transfer. If (i) the related Servicer is prohibited by law from enforcing any
such due-on-sale clause, (ii) coverage under any Required Insurance Policy would
be adversely affected, (iii) the Mortgage Note does not include a due-on-sale
clause or (iv) nonenforcement is otherwise permitted hereunder, the related
Servicer is authorized, subject to Section 3.13(b), to take or enter into an
assumption and modification agreement from or with the Person to whom such
Mortgaged Property has been or is about to be conveyed, pursuant to which such
Person becomes liable under the Mortgage Note and, unless prohibited by
applicable state law, the Mortgagor remains liable thereon; provided that the
Mortgage Loan shall continue to be covered (if so covered before the related
Servicer enters such agreement) by the applicable Required Insurance Policies.
The related Servicer, subject to Section 3.13(b), is also authorized with the
prior approval of the insurers under any Required Insurance Policies to enter
into a substitution of liability agreement with such Person, pursuant to which
the original Mortgagor is released from liability and such Person is substituted
as Mortgagor and becomes liable under the Mortgage Note. Notwithstanding the
foregoing, a Servicer shall not be deemed to be in default under this Section
3.13 by reason of any transfer or assumption which such Servicer reasonably
believes it is restricted by law from preventing, for any reason whatsoever.
(b) Subject to a Servicer's duty to enforce any due-on-sale clause
to the extent set forth in Section 3.13(a), in any case in which a Mortgaged
Property has been conveyed to a Person by a Mortgagor, and such Person is to
enter into an assumption agreement or modification agreement or supplement to
the Mortgage Note or Mortgage that requires the signature of the Trustee, or if
an instrument of release signed by the Trustee is required releasing the
Mortgagor from liability on the Mortgage Loan, the related Servicer shall
prepare and deliver or cause to be prepared and delivered to the Trustee for
signature and shall direct, in writing, the Trustee to execute the assumption
agreement with the Person to whom the Mortgaged Property is to be conveyed and
such modification agreement or supplement to the Mortgage Note or Mortgage or
other instruments as are reasonable or necessary to carry out the terms of the
Mortgage Note or Mortgage or otherwise to comply with any applicable laws
regarding assumptions or the transfer of the Mortgaged Property to such Person.
In no event shall the Trustee incur liability for executing any document under
this Section 3.13 at the direction of a Servicer. In connection with any such
assumption, no material term of the Mortgage Note may be changed. In addition,
the substitute Mortgagor and the Mortgaged Property must be acceptable to the
related Servicer in accordance with its underwriting standards as then in
effect. Together with each such substitution, assumption or other agreement or
instrument delivered to the Trustee for execution by it, the related Servicer
shall deliver an Officer's Certificate signed by a Servicing Officer stating
that the requirements of this subsection have been met. Each Servicer shall
notify the Trustee that any such substitution or assumption agreement has been
completed by forwarding to the Trustee (or at the direction of the Trustee, the
Custodian) the original of such substitution or assumption agreement, which in
the case of the original shall be added to the related Mortgage File and shall,
for all purposes, be considered a part of such Mortgage File to the same extent
as all other documents and instruments constituting a part thereof. Any fee
collected by a Servicer for entering into an assumption or substitution of
liability agreement may be retained by such Servicer as additional master
servicing compensation. Notwithstanding the foregoing, to the extent permissible
under applicable law and at the request of either Servicer, the Trustee shall
execute and deliver to such Servicer any powers of attorney and other documents
prepared by such Servicer that are reasonably necessary or appropriate to enable
such Servicer to execute any assumption agreement or modification agreement
required to be executed by the Trustee under this Section 3.13.
Section 3.14 Realization Upon Defaulted Mortgage Loans; REO
Property.
(a) Each Servicer shall use reasonable efforts to foreclose upon
or otherwise comparably convert the ownership of Mortgaged Properties securing
such of the Mortgage Loans serviced by such Servicer as come into and continue
in default and as to which no satisfactory arrangements can be made for
collection of delinquent payments. In connection with such foreclosure or other
conversion, each Servicer shall follow Customary Servicing Procedures and shall
meet the requirements of the insurer under any Required Insurance Policy;
provided, however, that either Servicer may enter into a special servicing
agreement with an unaffiliated Holder of 100% Percentage Interest of a Class of
Class B Certificates or a holder of a class of securities representing interests
in the Class B Certificates alone or together with other subordinated mortgage
pass-through certificates. Such agreement shall be substantially in the form
attached hereto as Exhibit K or subject to each Rating Agency's acknowledgment
that the ratings of the Certificates in effect immediately prior to the entering
into such agreement would not be qualified, downgraded or withdrawn and the
Certificates would not be placed on credit review status (except for possible
upgrading) as a result of such agreement. Any such agreement may contain
provisions whereby such holder may instruct the applicable Servicer to commence
or delay foreclosure proceedings with respect to delinquent Mortgage Loans
serviced by such Servicer and will contain provisions for the deposit of cash by
the holder that would be available for distribution to Certificateholders if
Liquidation Proceeds are less than they otherwise may have been had the Servicer
acted in accordance with its normal procedures. Notwithstanding the foregoing, a
Servicer shall not be required to expend its own funds in connection with any
foreclosure or towards the restoration of any Mortgaged Property unless it shall
determine (i) that such restoration and/or foreclosure will increase the
proceeds of liquidation of the Mortgage Loan after reimbursement to itself of
such expenses and (ii) that such expenses will be recoverable to it through
proceeds of the liquidation of the Mortgage Loan (respecting which it shall have
priority for purposes of withdrawals from the related Servicer Custodial
Account). Any such expenditures shall constitute Servicing Advances for purposes
of this Agreement.
The decision of either Servicer to foreclose on a defaulted Mortgage
Loan shall be subject to a determination by such Servicer that the proceeds of
such foreclosure would exceed the costs and expenses of bringing such a
proceeding.
With respect to any REO Property, the deed or certificate of sale
shall be taken in the name of the Trustee for the benefit of the
Certificateholders, or its nominee, on behalf of the Certificateholders. The
Trustee's name shall be placed on the title to such REO Property solely as the
Trustee hereunder and not in its individual capacity. The related Servicer shall
ensure that the title to such REO Property references this Agreement and the
Trustee's capacity hereunder. Pursuant to its efforts to sell such REO Property,
the related Servicer shall either itself or through an agent selected by such
Servicer manage, conserve, protect and operate such REO Property in the same
manner that it manages, conserves, protects and operates other foreclosed
property for its own account and in the same manner that similar property in the
same locality as the REO Property is managed. Incident to its conservation and
protection of the interests of the Certificateholders, such Servicer may rent
the same, or any part thereof, as such Servicer deems to be in the best interest
of the Certificateholders for the period prior to the sale of such REO Property.
Each Servicer shall prepare for and deliver to the Trustee a statement with
respect to each REO Property serviced by such Servicer that has been rented, if
any, showing the aggregate rental income received and all expenses incurred in
connection with the management and maintenance of such REO Property at such
times as is necessary to enable the Trustee to comply with the reporting
requirements of the REMIC Provisions; provided, however, that a Servicer shall
have no duty to rent any REO Property on behalf of the Trust. The net monthly
rental income, if any, from such REO Property shall be deposited in the related
Servicer Custodial Account no later than the close of business on each
Determination Date. Each Servicer shall perform, with respect to the Mortgage
Loans serviced by such Servicer, the tax reporting and withholding required by
Sections 1445 and 6050J of the Code with respect to foreclosures and
abandonments, the tax reporting required by Section 6050H of the Code with
respect to the receipt of mortgage interest from individuals and, if required by
Section 6050P of the Code with respect to the cancellation of indebtedness by
certain financial entities, by preparing such tax and information returns as may
be required, in the form required. Each Servicer shall deliver copies of such
reports to the Trustee.
If the Trust acquires any Mortgaged Property as described above or
otherwise in connection with a default or a default which is reasonably
foreseeable on a Mortgage Loan, the related Servicer shall dispose of such
Mortgaged Property prior to the end of the third calendar year following the
year of its acquisition by the Trust (such period, the "REO Disposition Period")
unless (A) the Trustee shall have been supplied by such Servicer with an Opinion
of Counsel to the effect that the holding by the Trust of such Mortgaged
Property subsequent to the REO Disposition Period will not result in the
imposition of taxes on "prohibited transactions" on the REMIC (as defined in
Section 860F of the Code) or cause the Trust Estate to fail to qualify as a
REMIC at any time that any Certificates are outstanding, or (B) the Trustee (at
such Servicer's expense) or such Servicer shall have applied for, prior to the
expiration of the REO Disposition Period, an extension of the REO Disposition
Period in the manner contemplated by Section 856(e)(3) of the Code. If such an
Opinion of Counsel is provided or such an exemption is obtained, the Trust may
continue to hold such Mortgaged Property (subject to any conditions contained in
such Opinion of Counsel) for the applicable period. Notwithstanding any other
provision of this Agreement, no Mortgaged Property acquired by the Trust shall
be rented (or allowed to continue to be rented) or otherwise used for the
production of income by or on behalf of the Trust in such a manner or pursuant
to any terms that would (i) cause such Mortgaged Property to fail to qualify as
"foreclosure property" within the meaning of Section 860G(a)(8) of the Code or
(ii) subject the REMIC to the imposition of any federal, state or local income
taxes on the income earned from such Mortgaged Property under Section 860G(c) of
the Code or otherwise, unless the related Servicer has agreed to indemnify and
hold harmless the Trust with respect to the imposition of any such taxes. Each
Servicer shall identify to the Trustee any Mortgaged Property relating to a
Mortgage Loan serviced by such Servicer held by the Trust for 30 months for
which no plans to dispose of such Mortgaged Property by such Servicer have been
made. After delivery of such identification, the related Servicer shall proceed
to dispose of any such Mortgaged Property by holding a commercially reasonable
auction for such property.
The income earned from the management of any REO Properties, net of
reimbursement to the related Servicer for expenses incurred (including any
property or other taxes) in connection with such management and net of
unreimbursed Servicing Fees, Periodic Advances and Servicing Advances, shall be
applied to the payment of principal of and interest on the related defaulted
Mortgage Loans (solely for the purposes of allocating principal and interest,
interest shall be treated as accruing as though such Mortgage Loans were still
current) and all such income shall be deemed, for all purposes in this
Agreement, to be payments on account of principal and interest on the related
Mortgage Notes and shall be deposited into the related Servicer Custodial
Account. To the extent the net income received during any calendar month is in
excess of the amount attributable to amortizing principal and accrued interest
at the related Mortgage Interest Rate on the related Mortgage Loan for such
calendar month, such excess shall be considered to be a partial prepayment of
principal of the related Mortgage Loan.
The proceeds from any liquidation of a Mortgage Loan, as well as any
income from an REO Property, will be applied in the following order of priority:
first, to reimburse the related Servicer for any related unreimbursed Servicing
Advances and Servicing Fees; second, to reimburse the related Servicer for any
unreimbursed Periodic Advances and to reimburse the related Servicer Custodial
Account for any Nonrecoverable Advances (or portions thereof) that were
previously withdrawn by the related Servicer pursuant to Section 3.11(a)(iii)
that related to such Mortgage Loan; third, to accrued and unpaid interest (to
the extent no Periodic Advance has been made for such amount or any such
Periodic Advance has been reimbursed) on the Mortgage Loan or related REO
Property, at the Mortgage Rate to the Due Date occurring in the month in which
such amounts are required to be distributed; and fourth, as a recovery of
principal of the Mortgage Loan. Excess Proceeds, if any, from the liquidation of
a Liquidated Mortgage Loan will be retained by the related Servicer as
additional servicing compensation pursuant to Section 3.17.
(b) Each Servicer shall promptly notify the Depositor of any
Mortgage Loan serviced by such Servicer which comes into default. The Depositor
shall be entitled, at its option, to repurchase (i) any such defaulted Mortgage
Loan from the Trust Estate if, in the Depositor's judgment, the default is not
likely to be cured by the Mortgagor or (ii) any Mortgage Loan in the Trust
Estate which pursuant to Section 4(b) of the applicable Mortgage Loan Purchase
Agreement the applicable Seller requests the Depositor to repurchase and to sell
to such Seller to facilitate the exercise of the Seller's rights against the
originator or prior holder of such Mortgage Loan. The purchase price for any
such Mortgage Loan shall be 100% of the unpaid principal balance of such
Mortgage Loan plus accrued interest thereon at the Mortgage Interest Rate (less
the Servicing Fee Rate for such Mortgage Loan) through the last day of the month
in which such repurchase occurs. Upon the receipt of such purchase price, the
applicable Servicer shall provide to the Trustee the notification required by
Section 3.15 and the Trustee or the Custodian shall promptly release to the
Depositor the Mortgage File relating to the Mortgage Loan being repurchased.
Section 3.15 Trustee to Cooperate; Release of Mortgage Files.
Upon the payment in full of any Mortgage Loan, or the receipt by a
Servicer of a notification that payment in full will be escrowed in a manner
customary for such purposes, the related Servicer will immediately notify the
Trustee (or, at the direction of the Trustee, the Custodian) by delivering, or
causing to be delivered, two copies (one of which will be returned to such
Servicer with the Mortgage File) of a Request for Release (which may be
delivered in an electronic format acceptable to the Trustee and the related
Servicer). Upon receipt of such request, the Trustee or the Custodian, as
applicable, shall within seven Business Days release the related Mortgage File
to the related Servicer. The Trustee shall at the related Servicer's direction
execute and deliver to such Servicer the request for reconveyance, deed of
reconveyance or release or satisfaction of mortgage or such instrument releasing
the lien of the Mortgage, in each case provided by such Servicer, together with
the Mortgage Note with written evidence of cancellation thereon. If the Mortgage
has been recorded in the name of MERS or its designee, the related Servicer
shall take all necessary action to reflect the release of the Mortgage on the
records of MERS. Expenses incurred in connection with any instrument of
satisfaction or deed of reconveyance shall be chargeable to the related
Mortgagor. From time to time and as shall be appropriate for the servicing or
foreclosure of any Mortgage Loan, including for such purpose collection under
any policy of flood insurance, any fidelity bond or errors or omissions policy,
or for the purposes of effecting a partial release of any Mortgaged Property
from the lien of the Mortgage or the making of any corrections to the Mortgage
Note or the Mortgage or any of the other documents included in the Mortgage
File, the Trustee or the Custodian, as applicable, shall, upon delivery to the
Trustee (or, at the direction of the Trustee, the Custodian) of a Request for
Release signed by a Servicing Officer, release the Mortgage File within seven
Business Days to the related Servicer. Subject to the further limitations set
forth below, the related Servicer shall cause the Mortgage File so released to
be returned to the Trustee or the Custodian, as applicable, when the need
therefor by such Servicer no longer exists, unless the Mortgage Loan is
liquidated and the proceeds thereof are deposited in the related Servicer
Custodial Account, in which case the related Servicer shall deliver to the
Trustee or the Custodian, as applicable, a Request for Release, signed by a
Servicing Officer.
The Trustee shall execute and deliver to either Servicer any powers
of attorney and other documents prepared by such Servicer that are reasonably
necessary or appropriate to enable such Servicer to carry out its servicing and
administrative duties under this Agreement, upon the request of such Servicer.
In addition, upon prepayment in full of any Mortgage Loan or the receipt of
notice that funds for such purpose have been placed in escrow, the related
Servicer is authorized to give, as attorney-in-fact for the Trustee and the
mortgagee under the Mortgage, an instrument of satisfaction (or Assignment of
Mortgage without recourse) regarding the Mortgaged Property relating to such
Mortgage Loan, which instrument of satisfaction or Assignment of Mortgage, as
the case may be, shall be delivered to the Person entitled thereto against
receipt of the prepayment in full. If the Mortgage is registered in the name of
MERS or its designee, the applicable Servicer shall take all necessary action to
reflect the release on the records of MERS. In lieu of executing such
satisfaction or Assignment of Mortgage, or if another document is required to be
executed by the Trustee, the related Servicer may deliver or cause to be
delivered to the Trustee, for signature, as appropriate, any court pleadings,
requests for trustee's sale or other documents necessary to effectuate such
foreclosure or any legal action brought to obtain judgment against the Mortgagor
on the Mortgage Note or the Mortgage or to obtain a deficiency judgment or to
enforce any other remedies or rights provided by the Mortgage Note or the
Mortgage or otherwise available at law or in equity.
Section 3.16 Documents, Records and Funds in Possession of the
Servicers to be Held for the Trustee.
Each Servicer shall transmit to the Trustee or, at the direction of
the Trustee, the Custodian as required by this Agreement all documents and
instruments in respect of a Mortgage Loan serviced by such Servicer coming into
the possession of such Servicer from time to time and shall account fully to the
Trustee for any funds received by such Servicer or which otherwise are collected
by such Servicer as Liquidation Proceeds or Insurance Proceeds in respect of any
Mortgage Loan serviced by such Servicer. The documents constituting the
Servicing File shall be held by the related Servicer as custodian and bailee for
the Trustee. All Mortgage Files and funds collected or held by, or under the
control of, either Servicer in respect of any Mortgage Loans, whether from the
collection of principal and interest payments or from Liquidation Proceeds,
including but not limited to, any funds on deposit in the related Servicer
Custodial Account, shall be held by such Servicer for and on behalf of the
Trustee and shall be and remain the sole and exclusive property of the Trustee,
subject to the applicable provisions of this Agreement. Each Servicer also
agrees that it shall not knowingly create, incur or subject any Mortgage File or
any funds that are deposited in the related Servicer Custodial Account,
Certificate Account or any Escrow Account, or any funds that otherwise are or
may become due or payable to the Trustee for the benefit of the
Certificateholders, to any claim, lien, security interest, judgment, levy, writ
of attachment or other encumbrance created by such Servicer, or assert by legal
action or otherwise any claim or right of setoff against any Mortgage File or
any funds collected on, or in connection with, a Mortgage Loan, except, however,
that each Servicer shall be entitled to set off against and deduct from any such
funds any amounts that are properly due and payable to such Servicer under this
Agreement.
Section 3.17 Servicing Compensation.
Each Servicer shall be entitled out of each payment of interest on a
Mortgage Loan (or portion thereof) serviced by such Servicer and included in the
Trust Estate to retain or withdraw from the related Servicer Custodial Account
an amount equal to the Servicing Fee for such Distribution Date.
Additional servicing compensation in the form of Excess Proceeds,
prepayment penalties, assumption fees, late payment charges and all income and
gain net of any losses realized from Permitted Investments and all other
customary and ancillary income and fees shall be retained by the related
Servicer to the extent not required to be deposited in the related Servicer
Custodial Account pursuant to Section 3.08(b). Each Servicer shall be required
to pay all expenses incurred by it in connection with its servicing activities
hereunder and shall not be entitled to reimbursement therefor except as
specifically provided in this Agreement.
Notwithstanding the foregoing, with respect to the payment of the
Servicing Fee on any Distribution Date, the aggregate Servicing Fee for each
Servicer for such Distribution Date shall be reduced (but not below zero) by an
amount equal to the lesser of (a) the Prepayment Interest Shortfall for such
Distribution Date relating to the Mortgage Loans serviced by such Servicer and
(b) one-twelfth of 0.25% of the aggregate Scheduled Principal Balance of such
Mortgage Loans for such Distribution Date (any such reduction, "Compensating
Interest").
Section 3.18 Annual Statement as to Compliance.
Each Servicer shall deliver to the Trustee and each Rating Agency on
or before 90 days after the end of such Servicer's fiscal year, commencing with
its 1999 fiscal year, an Officer's Certificate stating, as to the signer
thereof, that (a) a review of the activities of such Servicer during the
preceding calendar year and of the performance of such Servicer under this
Agreement has been made under such officer's supervision, and (b) to the best of
such officer's knowledge, based on such review, such Servicer has fulfilled all
its obligations under this Agreement throughout such year, or, if there has been
a default in the fulfillment of any such obligation, specifying each such
default known to such officer and the nature and status thereof.
Section 3.19 Annual Independent Public Accountants' Servicing
Statement; Financial Statements.
Each Servicer shall, at its own expense, on or before 90 days after
the end of such Servicer's fiscal year, commencing with its 1999 fiscal year,
cause a firm of independent public accountants (who may also render other
services to such Servicer or any affiliate thereof) which is a member of the
American Institute of Certified Public Accountants to furnish a statement to the
Trustee to the effect that such firm has with respect to such Servicer's overall
servicing operations, examined such operations in accordance with the
requirements of the Uniform Single Attestation Program for Mortgage Bankers,
stating such firm's conclusions relating thereto.
Section 3.20 Advances.
Each Servicer shall determine on or before each Servicer Advance
Date whether it is required to make a Periodic Advance pursuant to the
definition thereof. If either Servicer determines it is required to make a
Periodic Advance, it shall, on or before the Servicer Advance Date, either (a)
deposit into the related Servicer Custodial Account an amount equal to the
Advance and/or (b) make an appropriate entry in its records relating to the
related Servicer Custodial Account that any portion of the Amount Held for
Future Distribution in such Servicer Custodial Account has been used by such
Servicer in discharge of its obligation to make any such Periodic Advance. Any
funds so applied shall be replaced by such Servicer by deposit in the related
Servicer Custodial Account no later than the close of business on the Business
Day preceding the next Servicer Advance Date. Each Servicer shall be entitled to
be reimbursed from the related Servicer Custodial Account for all Advances of
its own funds made pursuant to this Section 3.20 as provided in Section 3.11(a).
The obligation to make Periodic Advances with respect to any Mortgage Loan shall
continue until the ultimate disposition of the REO Property or Mortgaged
Property relating to such Mortgage Loan. Each Servicer shall inform the Trustee
of the amount of the Periodic Advance to be made by such Servicer on each
Servicer Advance Date no later than the related Remittance Date.
Each Servicer shall deliver to the Trustee on the related Servicer
Advance Date an Officer's Certificate of a Servicing Officer indicating the
amount of any proposed Periodic Advance determined by such Servicer to be a
Nonrecoverable Advance. Notwithstanding anything to the contrary, the related
Servicer shall not be required to make any Periodic Advance or Servicing Advance
that would be a Nonrecoverable Advance.
Section 3.21 Modifications, Waivers, Amendments and Consents.
(a) Subject to this Section 3.21, each Servicer may agree to any
modification, waiver, forbearance, or amendment of any term of any Mortgage Loan
serviced by such Servicer without the consent of the Trustee or any
Certificateholder. All modifications, waivers, forbearances or amendments of any
Mortgage Loan shall be in writing and shall be consistent with Customary
Servicing Procedures.
(b) A Servicer shall not agree to enter into, and shall not enter
into, any modification, waiver (other than a waiver referred to in Section 3.13,
which waiver, if any, shall be governed by Section 3.13), forbearance or
amendment of any term of any Mortgage Loan if such modification, waiver,
forbearance, or amendment would:
(i) affect the amount or timing of any related payment of
principal, interest or other amount payable thereunder;
(ii) in such Servicer's judgment, materially impair the security
for such Mortgage Loan or reduce the likelihood of timely payment of
amounts due thereon; or
(iii) otherwise constitutes a "significant modification" within
the meaning of Treasury Regulations Section 1.860G-2(b);
unless, in either case, (A) such Mortgage Loan is 90 days or more past due or
(B) such Servicer delivers to the Trustee an Opinion of Counsel to the effect
that such modification, waiver, forbearance or amendment would not affect the
REMIC status of the Trust Estate and, in either case, such modification, waiver,
forbearance or amendment is reasonably likely to produce a greater recovery with
respect to such Mortgage Loan than would liquidation. Subject to Customary
Servicing Procedures, either Servicer may permit a forbearance for a Mortgage
Loan serviced by such Servicer which in such Servicer's judgment is subject to
imminent default.
(c) Any payment of interest, which is deferred pursuant to any
modification, waiver, forbearance or amendment permitted hereunder, shall not,
for purposes hereof, including, without limitation, calculating monthly
distributions to Certificateholders, be added to the unpaid principal balance of
the related Mortgage Loan, notwithstanding that the terms of such Mortgage Loan
or such modification, waiver or amendment so permit.
(d) Either Servicer may, as a condition to granting any request by
a Mortgagor for consent, modification, waiver, forbearance or amendment, the
granting of which is within such Servicer's discretion pursuant to the Mortgage
Loan and is permitted by the terms of this Agreement, require that such
Mortgagor pay to such Servicer, as additional servicing compensation, a
reasonable or customary fee for the additional services performed in connection
with such request, together with any related costs and expenses incurred by such
Servicer, which amount shall be retained by such Servicer as additional
servicing compensation.
(e) Each Servicer shall notify the Trustee, in writing, of any
modification, waiver, forbearance or amendment of any term of any Mortgage Loan
serviced by such Servicer and the date thereof, and shall deliver to the Trustee
(or, at the direction of the Trustee, the Custodian) for deposit in the related
Mortgage File, an original counterpart of the agreement relating to such
modification, waiver, forbearance or amendment, promptly (and in any event
within ten Business Days) following the execution thereof; provided, however,
that if any such modification, waiver, forbearance or amendment is required by
applicable law to be recorded, the related Servicer (i) shall deliver to the
Trustee a copy thereof and (ii) shall deliver to the Trustee such document, with
evidence of notification upon receipt thereof from the public recording office.
Section 3.22 Reports to the Securities and Exchange Commission.
The Trustee shall, on behalf of the Trust, cause to be filed with
the Securities and Exchange Commission any periodic reports required to be filed
under the provisions of the Securities Exchange Act of 1934, as amended, and the
rules and regulations of the Securities and Exchange Commission thereunder, for
so long as any Certificates registered under the 1933 Act are outstanding (other
than the Current Report on Form 8-K to be filed by the Depositor in connection
with computational materials and the initial Current Report on Form 8-K to be
filed by the Depositor in connection with the issuance of the Certificates).
Upon the request of the Trustee, each of the Servicers and the Depositor shall
cooperate with the Trustee in the preparation of any such report and shall
provide to the Trustee in a timely manner all such information or documentation
as the Trustee may reasonably request in connection with the performance of its
duties and obligations under this Section.
ARTICLE IV
SERVICER'S CERTIFICATE
Section 4.01 Servicer's Certificate.
Each month, not later than 12:00 noon Eastern time on the Business
Day following each Determination Date, each Servicer shall deliver to the
Trustee, a Servicer's Certificate (in substance and format mutually acceptable
to such Servicer and the Trustee) certified by a Servicing Officer setting forth
the information necessary in order for the Trustee to perform its obligations
under this Agreement. The Trustee may conclusively rely upon the information
contained in a Servicer's Certificate for all purposes hereunder and shall have
no duty to verify or re-compute any of the information contained therein.
Each such statement shall be provided by the Trustee to any Holder
of a Certificate upon request and shall also, to the extent available, include
information regarding delinquencies on Mortgage Loans serviced by the Servicer
providing such statement, indicating the number and aggregate principal amount
of Mortgage Loans which are either one, two, three or more than three months
delinquent and the book value of any REO Property.
ARTICLE V
PAYMENTS AND STATEMENTS TO CERTIFICATEHOLDERS;
REMIC ADMINISTRATION
Section 5.01 Distributions. On each Distribution Date, based solely
on the information in the Servicer's Certificate, the Trustee shall distribute
out of the Certificate Account (to the extent funds are available therein) to
each Certificateholder of record on the related Record Date (other than as
provided in Section 10.01 respecting the final distribution) (a) by check mailed
to such Certificateholder entitled to receive a distribution on such
Distribution Date at the address appearing in the Certificate Register, or (b)
upon written request by the Holder of a Regular Certificate (in the event such
Certificateholder owns of record 100% of a Class of Certificates or holds
Certificates of any Class having denominations aggregating $1,000,000 or more),
by wire transfer or by such other means of payment as such Certificateholder and
the Trustee shall agree upon, such Certificateholder's Percentage Interest in
the amount to which the related Class of Certificates is entitled in accordance
with the priorities set forth below in Section 5.02.
None of the Holders of any Class of Certificates, the Depositor, the
Servicers or the Trustee shall in any way be responsible or liable to Holders of
any Class of Certificates in respect of amounts properly previously distributed
on any such Class.
Amounts distributed with respect to any Class of Certificates shall
be applied first to the distribution of interest thereon and then to principal
thereon.
Section 5.02 Priorities of Distribution.
(a) On each Distribution Date, based solely on the information
contained in the Servicer's Certificate, the Trustee shall withdraw from the
Certificate Account (to the extent funds are available therein) (1) the amounts
payable to the Trustee pursuant to Sections 3.11(b)(i) and 3.11(b)(ii) and shall
pay such funds to itself, and (2) the Pool Distribution Amount, in an amount as
specified in written notice received by the Trustee from the Servicers no later
than the related Determination Date, and shall apply such funds from the
Certificate Account to distributions on the Certificates in the following order
of priority and to the extent of such funds:
(i) to each Class of Senior Certificates (other than the Class
A-19 and Class A-PO Certificates), an amount allocable to interest equal
to the Interest Distribution Amount for such Class and any shortfall being
allocated among such Classes in proportion to the amount of the Interest
Distribution Amount that would have been distributed in the absence of
such shortfall; provided, however, that until the Accretion Termination
Date, amounts that would have been distributed pursuant to this clause to
the Class A-21 Certificates will instead be distributed in reduction of
the Class Certificate Balance of the Classes of Certificates specified in
Section 5.02(b);
(ii) concurrently to the Class A Certificates (other than the
Class A-PO Certificates) and the Class A-PO Certificates, pro rata, based
on their respective Senior Principal Distribution Amount and PO Principal
Amount, (A) to the Class A Certificates (other than the Class A-PO
Certificates), in an aggregate amount up to the Senior Principal
Distribution Amount, such distribution to be allocated among such Classes
in accordance with Section 5.02(b) and (B) to the Class A-PO Certificates
in an aggregate amount up to the PO Principal Amount;
(iii) to the Class A-PO Certificates, any Class A-PO Deferred
Amount, up to the Subordinate Principal Distribution Amount for such
Distribution Date from amounts otherwise distributable first to the Class
B-6 Certificates pursuant to clause (iv)(L) below, second to the Class B-5
Certificates pursuant to clause (iv)(J) below, third to the Class B-4
Certificates pursuant to clause (iv)(H) below, fourth to the Class B-3
Certificates pursuant to clause (iv)(F) below, fifth to the Clause B-2
Certificates pursuant to clause (iv)(D) below and finally to the Class B-1
Certificates pursuant to clause (iv)(B) below;
(iv) to each Class of Subordinate Certificates, subject to
paragraph (d) below, in the following order of priority:
(A) to the Class B-1 Certificates, an amount allocable to
interest equal to the Interest Distribution Amount for such Class
for such Distribution Date;
(B) to the Class B-1 Certificates, an amount allocable to
principal equal to its Pro Rata Share for such Distribution Date
less any amount used to pay the Class A-PO Deferred Amount pursuant
to clause (iii) above until the Class Certificate Balance thereof
has been reduced to zero;
(C) to the Class B-2 Certificates, an amount allocable to
interest equal to the Interest Distribution Amount for such Class
for such Distribution Date;
(D) to the Class B-2 Certificates, an amount allocable to
principal equal to its Pro Rata Share for such Distribution Date
less any amount used to pay the Class A-PO Deferred Amount pursuant
to clause (iii) above until the Class Certificate Balance thereof
has been reduced to zero;
(E) to the Class B-3 Certificates, an amount allocable to
interest equal to the Interest Distribution Amount for such Class
for such Distribution Date;
(F) to the Class B-3 Certificates, an amount allocable to
principal equal to its Pro Rata Share for such Distribution Date
less any amount used to pay the Class A-PO Deferred Amount pursuant
to clause (iii) above until the Class Certificate Balance thereof
has been reduced to zero;
(G) to the Class B-4 Certificates, an amount allocable to
interest equal to the Interest Distribution Amount for such Class
for such Distribution Date;
(H) to the Class B-4 Certificates, an amount allocable to
principal equal to its Pro Rata Share for such Distribution Date
less any amount used to pay the Class A-PO Deferred Amount pursuant
to clause (iii) above until the Class Certificate Balance thereof
has been reduced to zero;
(I) to the Class B-5 Certificates, an amount allocable to
interest equal to the Interest Distribution Amount for such Class
for such Distribution Date;
(J) to the Class B-5 Certificates, an amount allocable to
principal equal to its Pro Rata Share for such Distribution Date
less any amount used to pay the Class A-PO Deferred Amount pursuant
to clause (iii) above until the Class Certificate Balance thereof
has been reduced to zero;
(K) to the Class B-6 Certificates, an amount allocable to
interest equal to the Interest Distribution Amount for such Class
for such Distribution Date; and
(L) to the Class B-6 Certificates, an amount allocable to
principal equal to its Pro Rata Share for such Distribution Date
less any amount used to pay the Class A-PO Deferred Amount pursuant
to clause (iii) above until the Class Certificate Balance thereof
has been reduced to zero; and
(v) to the Holder of the Class A-R Certificate, any remaining
Pool Distribution Amount.
On any Distribution Date, amounts distributed in respect of Class
A-PO Deferred Amounts will not reduce the Class Certificate Balance of the Class
A-PO Certificates.
All distributions in respect of the Interest Distribution Amount for
a Class will be applied first with respect to the amount payable pursuant to
clause (i) of the definition of "Interest Distribution Amount," and second with
respect to the amount payable pursuant to clause (ii) of such definition.
(b) (1)On each Distribution Date occurring prior to the Accretion
Termination Date, based solely on the information contained in the Servicer's
Certificate, the Class A-21 Accrual Distribution Amount will be allocated
sequentially as follows:
(A) first, to the Class A-20 Certificates, until their Class
Certificate Balance has been reduced to zero; and
(B) second, to the Class A-21 Certificates, until their Class
Certificate Balance has been reduced to zero.
(iii) On each Distribution Date prior to the Senior Credit
Support Depletion Date, the amount distributable to the Class A
Certificates (other than the Class A-PO Certificates) pursuant to Section
5.02(a)(ii) for such Distribution Date, will be distributed in the
following order of priority:
(i) first, to the Class A-R Certificate, until the Class
Certificate Balance thereof has been reduced to zero; and
(ii) second, to the Class A-4 and Class A-22
Certificates, pro rata, up to the Priority Amount for such
Distribution Date, until their Class Certificate Balances
have been reduced to zero;
(iii) third, concurrently:
(a) 39.3291803480% to the Class A-1 Certificates;
(b) 31.3008254826% to the Class A-2 Certificates;
and
(c) 29.3699941695% to the Class A-3 Certificates;
until the Class Certificate Balance of the Class A-1
Certificates has been reduced to zero;
(iv) fourth, concurrently:
(a) 31.3008254826% to the Class A-2 Certificates;
(b) 29.3699941695% to the Class A-3 Certificates;
(c) 19.6645901740% to the Class A-5 Certificates;
(d) 6.5548633913% to the Class A-10 Certificates;
(e) 6.5548633913% to the Class A-12 Certificates;
and
(f) 6.5548633913% to the Class A-15 Certificates;
until the Class Certificate Balance of the Class A-3
Certificates has been reduced to zero;
(v) fifth, concurrently:
(a) 31.3008254826% to the Class A-2 Certificates;
(b) 19.6645901740% to the Class A-5 Certificates;
(c) 6.5548633913% to the Class A-10 Certificates;
(d) 6.5548633913% to the Class A-12 Certificates;
(e) 9.7899985583% to the Class A-13 Certificates;
(f) 6.5548633913% to the Class A-15 Certificates;
(g) 17.4821382395% to the Class A-16 Certificates;
and
(h) 2.0978573716% to the Class A-19 Certificates;
until the Class Certificate Balance of the Class A-5
Certificates has been reduced to zero;
(vi) sixth, concurrently:
(a) 31.3008254826% to the Class A-2 Certificates;
(b) 19.6645901740% to the Class A-6 Certificates;
(c) 6.5548633913% to the Class A-10 Certificates;
(d) 6.5548633913% to the Class A-12 Certificates;
(e) 9.7899985583% to the Class A-13 Certificates;
(f) 6.5548633913% to the Class A-15 Certificates;
(g) 17.4821382395% to the Class A-16 Certificates;
and
(h) 2.0978573716% to the Class A-19 Certificates;
until the Class Certificate Balance of the Class A-6
Certificates has been reduced to zero;
(vii) seventh, concurrently:
(a) 31.3008254826% to the Class A-2 Certificates;
(b) 19.6645901740% to the Class A-7 Certificates;
(c) 6.5548633913% to the Class A-10 Certificates;
(d) 6.5548633913% to the Class A-12 Certificates;
(e) 9.7899985583% to the Class A-13 Certificates;
(f) 6.5548633913% to the Class A-15 Certificates;
(g) 17.4821382395% to the Class A-16 Certificates;
and
(h) 2.0978573716% to the Class A-19 Certificates;
until the Class Certificate Balance of the Class A-13
Certificates has been reduced to zero;
(viii) eighth, concurrently:
(a) 31.3008254826% to the Class A-2 Certificates;
(b) 19.6645901740% to the Class A-7 Certificates;
(c) 6.5548633913% to the Class A-10 Certificates;
(d) 6.5548633913% to the Class A-12 Certificates;
(e) 9.7899985583% to the Class A-14 Certificates;
(f) 6.5548633913% to the Class A-15 Certificates;
(g) 17.4821382395% to the Class A-16 Certificates;
and
(h) 2.0978573716% to the Class A-19 Certificates;
until the Class Certificate Balance of the Class A-16
Certificates has been reduced to zero;
(ix) ninth, concurrently:
(a) 31.3008254826% to the Class A-2 Certificates;
(b) 19.6645901740% to the Class A-7 Certificates;
(c) 6.5548633913% to the Class A-10 Certificates;
(d) 6.5548633913% to the Class A-12 Certificates;
(e) 9.7899985583% to the Class A-14 Certificates;
(f) 6.5548633913% to the Class A-15 Certificates;
(g) 17.4821382395% to the Class A-17 Certificates;
and
(h) 2.0978573716% to the Class A-19 Certificates;
until the Class Certificate Balance of the Class A-7
Certificates has been reduced to zero;
(x) tenth, concurrently:
(a) 31.3008254826% to the Class A-2 Certificates;
(b) 19.6645901740% to the Class A-8 Certificates;
(c) 6.5548633913% to the Class A-10 Certificates;
(d) 6.5548633913% to the Class A-12 Certificates;
(e) 9.7899985583% to the Class A-14 Certificates;
(f) 6.5548633913% to the Class A-15 Certificates;
(g) 17.4821382395% to the Class A-17 Certificates;
and
(h) 2.0978573716% to the Class A-19 Certificates;
until the Class Certificate Balance of the Class A-10
Certificates has been reduced to zero;
(xi) eleventh, concurrently:
(a) 31.3008254826% to the Class A-2 Certificates;
(b) 19.6645901740% to the Class A-8 Certificates;
(c) 6.5548633913% to the Class A-11 Certificates;
(d) 6.5548633913% to the Class A-12 Certificates;
(e) 9.7899985583% to the Class A-14 Certificates;
(f) 6.5548633913% to the Class A-15 Certificates;
(g) 17.4821382395% to the Class A-17 Certificates;
and
(h) 2.0978573716% to the Class A-19 Certificates;
until the Class Certificate Balance of the Class A-8
Certificates has been reduced to zero;
(xii) twelfth, concurrently:
(a) 31.3008254826% to the Class A-2 Certificates;
(b) 19.6645901740% to the Class A-9 Certificates;
(c) 6.5548633913% to the Class A-11 Certificates;
(d) 6.5548633913% to the Class A-12 Certificates;
(e) 9.7899985583% to the Class A-14 Certificates;
(f) 6.5548633913% to the Class A-15 Certificates;
(g) 17.4821382395% to the Class A-17 Certificates;
and
(h) 2.0978573716% to the Class A-19 Certificates;
until the Class Certificate Balance of the Class A-17
Certificates has been reduced to zero;
(xiii) thirteenth, concurrently:
(a) 31.3008254826% to the Class A-2 Certificates;
(b) 19.6645901740% to the Class A-9 Certificates;
(c) 6.5548633913% to the Class A-11 Certificates;
(d) 6.5548633913% to the Class A-12 Certificates;
(e) 9.7899985583% to the Class A-14 Certificates;
(f) 6.5548633913% to the Class A-15 Certificates;
(g) 17.4821382395% to the Class A-18 Certificates;
and
(h) 2.0978573716% to the Class A-19 Certificates;
until the Class Certificate Balances of the Class A-2, Class
A-9, Class A-11, Class A-12, Class A-14, Class A-15, Class
A-18 and Class A-19 Certificates have been reduced to zero;
(xiv) fourteenth, to the Class A-20 Certificates, until
their Class Certificate Balance has been reduced to zero;
(xv) fifteenth, to the Class A-21 Certificates, until
their Class Certificate Balance has been reduced to zero; and
(xvi) sixteenth, to the Class A-4 and Class A-22
Certificates, pro rata, until their Class Certificate Balances
have been reduced to zero.
On each Distribution Date on or after the Senior Credit Support
Depletion Date, notwithstanding the allocation and priority set forth above, the
portion of the Pool Distribution Amount available to be distributed as principal
of the Class A Certificates (other than the Class A-PO Certificates) shall be
distributed concurrently, as principal, on such Classes, pro rata, on the basis
of their respective Class Certificate Balances, until the Class Certificate
Balances thereof are reduced to zero.
(c) On each Distribution Date, Accrued Certificate Interest for each
Class of Certificates for such Distribution Date shall be reduced by such
Class's pro rata share, based on such Class's Interest Distribution Amount for
such Distribution Date, without taking into account the allocation made by this
Section 5.02(c), of (A) Non-Supported Interest Shortfalls, (B) any Excess Losses
allocable to interest, (C) on and after the Senior Credit Support Depletion
Date, any other Realized Loss allocable to interest and (D) each Relief Act
Reduction incurred during the calendar month preceding the month of such
Distribution Date.
(d) Notwithstanding the priority and allocation contained in Section
5.02(a)(iv), if with respect to any Class of Subordinate Certificates on any
Distribution Date, (i) the aggregate of the Class Certificate Balances
immediately prior to such Distribution Date of all Classes of Subordinate
Certificates which have a higher numerical Class designation than such Class,
divided by (ii) the aggregate Class Certificate Balance of all the Certificates
(other than the Class A-PO Certificates) immediately prior to such Distribution
Date (the "Fractional Interest") is less than the Original Fractional Interest
for such Class, no distribution of principal will be made to any Classes junior
to such Class (the "Restricted Classes") and the Class Certificate Balances of
the Restricted Classes will not be used in determining the Pro Rata Share for
the Subordinate Certificates that are not Restricted Classes. Any funds
remaining will be distributed in the order provided in Section 5.02(a)(iv).
Section 5.03 Allocation of Losses.
(a) On or prior to each Determination Date, each Servicer shall
inform the Trustee in writing with respect to each Mortgage Loan serviced by
such Servicer: (1) whether any Realized Loss is a Deficient Valuation, a Debt
Service Reduction, a Fraud Loss or a Special Hazard Loss, (2) of the amount of
such loss or Deficient Valuation, or of the terms of such Debt Service Reduction
and (3) of the total amount of Realized Losses. Based on such information, the
Trustee shall determine the total amount of Realized Losses, including Excess
Losses, with respect to the related Distribution Date.
The principal portion of Realized Losses with respect to any
Distribution Date shall be allocated as follows:
(i) the applicable PO Percentage of the principal portion of any
Realized Loss with respect to a Discount Mortgage Loan, including any
Excess Loss, shall be allocated to the Class A-PO Certificates until the
Class Certificate Balance thereof is reduced to zero; and
(ii) (1) the applicable Non-PO Percentage of the principal
portion of any Realized Loss (other than an Excess Loss) shall be
allocated first to the Subordinate Certificates in reverse order of their
respective numerical Class designations (beginning with the Class of
Subordinate Certificates then outstanding with the highest numerical Class
designation) until the respective Class Certificate Balance of each such
Class is reduced to zero, and second to the Senior Certificates (other
than the Class A-PO Certificates), pro rata, on the basis of their
respective Class Certificate Balances immediately prior to the related
Distribution Date or, in the case of the Class A-21 Certificates, the
Initial Class Certificate Balance, if lower, until the Class Certificate
Balances thereof have been reduced to zero; and
(2) the applicable Non-PO Percentage of the principal portion
of any Excess Losses shall be allocated to the Senior Certificates (other
than the Class A-PO Certificates), pro rata, on the basis of their
respective Class Certificate Balances immediately prior to the related
Distribution Date or, in the case of the Class A-21 Certificates, the
Initial Class Certificate Balance, if lower.
(b) The Class Certificate Balance of the Class of Subordinate
Certificates then outstanding with the highest numerical Class designation shall
be reduced on each Distribution Date by the amount, if any, by which the
aggregate of the Class Certificate Balances of all outstanding Classes of
Certificates (after giving effect to the amount to be distributed as a
distribution of principal and the allocation of Realized Losses and Class A-PO
Deferred Amounts on such Distribution Date) exceeds the Adjusted Pool Amount for
such Distribution Date.
After the Senior Credit Support Depletion Date, the Class
Certificate Balances of the Senior Certificates in the aggregate (other than the
Class Certificate Balance of the Class A-PO Certificates) shall be reduced on
each Distribution Date by the amount, if any, by which the aggregate of the
Class Certificate Balances of all outstanding Classes of Senior Certificates
(other than Class A-PO Certificates) (after giving effect to the amount to be
distributed as a distribution of principal and the allocation of Realized Losses
on such Distribution Date) exceeds the difference between (i) the Adjusted Pool
Amount for such Distribution Date and (ii) the Adjusted Pool Amount (PO Portion)
for such Distribution Date.
Any such reduction shall be allocated among the Senior Certificates
(other than the Class A-PO Certificates) based on the Class Certificate Balances
immediately prior to such Distribution Date or, in the case of the Class A-21
Certificates, the Initial Class Certificate Balance, if lower.
After the Senior Credit Support Depletion Date, the Class
Certificate Balance of the Class A-PO Certificates shall be reduced on each
Distribution Date by the amount, if any, by which the Class Certificate Balance
of the Class A-PO Certificates (after giving effect to the amount to be
distributed as a distribution of principal and the allocation of Realized Losses
on such Distribution Date) exceeds the Adjusted Pool Amount (PO Portion) for
such Distribution Date.
(c) Any Realized Loss allocated to a Class of Certificates or any
reduction in the Class Certificate Balance of a Class of Certificates pursuant
to Section 5.03(b) above shall be allocated among the Certificates of such Class
in proportion to their respective Percentage Interests.
(d) Any allocation of Realized Losses to a Class of Certificates or
any reduction in the Class Certificate Balance of a Class pursuant to Section
5.03(b) above shall be accomplished by reducing the Class Certificate Balance
thereof prior to the distributions made on the related Distribution Date in
accordance with the definition of "Class Certificate Balance."
(e) After the Senior Credit Support Depletion Date, on any
Distribution Date on which the Class A-22 Loss Allocation Amount is greater than
zero, the Class Certificate Balance of the Class A-22 Certificates will be
reduced by the Class A-22 Loss Allocation Amount and, notwithstanding Section
5.03(a)(ii)(1) and Section 5.03(b), the Class Certificate Balance of the Class
A-21 Certificates will not be reduced by such amount.
Section 5.04 Statements to Certificateholders.
(a) Prior to the Distribution Date in each month, based upon the
information provided to the Trustee on the Servicer's Certificates delivered to
the Trustee pursuant to Section 4.01, the Trustee shall determine the following
information with respect to such Distribution Date:
(i) the amount allocable to principal, separately identifying the
aggregate amount of any Principal Prepayments and Liquidation Proceeds
included therein;
(ii) the amount allocable to interest, the Class A-21 Accrual
Distribution Amount, any Class Unpaid Interest Shortfall included in such
distribution and any remaining Class Unpaid Interest Shortfall after
giving effect to such distribution;
(iii) if the distribution to the Holders of such Class of
Certificates is less than the full amount that would be distributable to
such Holders if there were sufficient funds available therefor, the amount
of the shortfall and the allocation thereof as between principal and
interest;
(iv) the Class Certificate Balance of each Class of Certificates
after giving effect to the distribution of principal on such Distribution
Date;
(v) the Pool Stated Principal Balance for the following
Distribution Date;
(vi) the Senior Percentage, the Priority Percentage and
Subordinate Percentage for the following Distribution Date;
(vii) the amount of the Servicing Fees paid to or retained by the
Servicers with respect to such Distribution Date;
(viii) the Pass-Through Rate for each such Class of Certificates
with respect to such Distribution Date;
(ix) the amount of Periodic Advances included in the distribution
on such Distribution Date and the aggregate amount of Periodic Advances
outstanding as of the close of business on such Distribution Date;
(x) the number and aggregate principal amounts of Mortgage Loans
(A) delinquent (exclusive of Mortgage Loans in foreclosure) (1) 1 to 30
days (2) 31 to 60 days (3) 61 to 90 days and (4) 91 or more days and (B)
in foreclosure, as of the close of business on the last day of the
calendar month preceding such Distribution Date;
(xi) with respect to any Mortgage Loan that became an REO
Property during the preceding calendar month, the loan number and Stated
Principal Balance of such Mortgage Loan as of the close of business on the
Determination Date preceding such Distribution Date and the date of
acquisition thereof;
(xii) the total number and principal balance of any REO
Properties (and market value, if available) as of the close of business on
the Determination Date preceding such Distribution Date;
(xiii) the Senior Prepayment Percentage and the Subordinate
Prepayment Percentage for the following Distribution Date;
(xiv) the aggregate amount of Realized Losses incurred during the
preceding calendar month, any Class A-22 Loss Allocation Amount or any
Class A-PO Deferred Amounts for such Distribution Date; and
(xv) the Special Hazard Loss Amount, the Fraud Loss Amount and
the Bankruptcy Loss Amount, in each case as of the related Determination
Date.
(b) No later than each Distribution Date, the Trustee, based upon
information supplied to it on the Servicer's Certificates, shall prepare and
deliver (by mail, fax or electronically) to each Holder of a Certificate, each
Rating Agency and each Servicer a statement setting forth the information set
forth in Section 5.04(a).
In the case of information furnished pursuant to clauses (i), (ii)
and (ix) of Section 5.04(a), the amounts shall be expressed as a dollar amount
per Certificate with a $1,000 denomination.
On each Distribution Date, the Trustee shall prepare and furnish to
each Financial Market Service, in electronic or such other format and media
mutually agreed upon by the Trustee, the Financial Market Service and the
Depositor, the information contained in the statement described in Section
5.04(a) for such Distribution Date.
The Trustee may make available each month, to any interested party,
the monthly statement to Certificateholders via the Trustee's website.
Within a reasonable period of time after the end of each calendar
year, the Trustee shall furnish to each Person who at any time during the
calendar year was the Holder of a Certificate, if requested in writing by such
Person, a statement containing the information set forth in clauses (i), (ii)
and (vii) of Section 5.04(a), in each case aggregated for such calendar year or
applicable portion thereof during which such Person was a Certificateholder.
Such obligation of the Trustee shall be deemed to have been satisfied to the
extent that substantially comparable information shall be provided by the
Trustee pursuant to any requirements of the Code as from time to time in force.
The Trustee shall deliver to the Holders of Certificates any reports
or information the Trustee is required by this Agreement or the Code, Treasury
Regulations or REMIC Provisions to deliver to the Holders of Certificates, and
the Trustee shall prepare and provide to the Certificateholders (by mail,
telephone, or publication as may be permitted by applicable Treasury
Regulations) such other reasonable information as the Trustee deems necessary or
appropriate or is required by the Code, Treasury Regulations, and the REMIC
Provisions including, but not limited to, (i) information to be reported to the
Holder of the Residual Certificate for quarterly notices on Schedule Q (Form
1066) (which information shall be forwarded to the Holder of the Residual
Certificate by the Trustee), (ii) information to be provided to the Holders of
Certificates with respect to amounts which should be included as interest and
original issue discount in such Holders' gross income and (iii) information to
be provided to all Holders of Certificates setting forth the percentage of the
REMIC's assets, determined in accordance with Treasury Regulations using a
convention, not inconsistent with Treasury Regulations, selected by the Trustee
in its absolute discretion, that constitute real estate assets under Section 856
of the Code, and assets described in Section 7701(a)(19)(C) of the Code;
provided, however, that in setting forth the percentage of such assets of the
REMIC, nothing contained in this Agreement, including without limitation Section
7.03 hereof, shall be interpreted to require the Trustee periodically to
appraise the fair market values of the assets of the Trust Estate or to
indemnify the Trust Estate or any Certificateholders from any adverse federal,
state or local tax consequences associated with a change subsequently required
to be made in the Depositor's initial good faith determinations of such fair
market values (if subsequent determinations are required pursuant to the REMIC
Provisions) made from time to time.
Section 5.05 Tax Returns and Reports to Certificateholders.
(a) For federal income tax purposes, the REMIC shall have a calendar
year taxable year and shall maintain their books on the accrual method of
accounting.
(b) The Trustee shall prepare or cause to be prepared, shall execute
and shall file or cause to be filed with the Internal Revenue Service and
applicable state or local tax authorities income tax information returns for
each taxable year with respect to the REMIC containing such information at the
times and in the manner as may be required by the Code, the Treasury Regulations
or state or local tax laws, regulations, or rules, and shall furnish or cause to
be furnished to the REMIC and the Certificateholders the schedules, statements
or information at such times and in such manner as may be required thereby.
Within 30 days of the Closing Date, the Trustee shall furnish or cause to be
furnished to the Internal Revenue Service, on Form 8811 or as otherwise required
by the Code or the Treasury Regulations, the name, title, address and telephone
number of the person that Holders of the Certificates may contact for tax
information relating thereto, together with such additional information at the
time or times and in the manner required by the Code or the Treasury
Regulations. Such federal, state, or local income tax or information returns
shall be signed by the Trustee, or such other Person as may be required to sign
such returns by the Code, the Treasury Regulations or state or local tax laws,
regulations, or rules.
(c) In the first federal income tax return of the REMIC for its
short taxable year ending December 31, 1999, REMIC status shall be elected for
such taxable year and all succeeding taxable years.
(d) The Trustee will maintain or cause to be maintained such records
relating to the REMIC, including but not limited to records relating to the
income, expenses, assets and liabilities of the Trust Estate, and the initial
fair market value and adjusted basis of the Trust Estate property and assets
determined at such intervals as may be required by the Code or the Treasury
Regulations, as may be necessary to prepare the foregoing returns, schedules,
statements or information.
Section 5.06 Tax Matters Person. The Tax Matters Person shall have
the same duties with respect to the REMIC as those of a "tax matters partner"
under Subchapter C of Chapter 63 of Subtitle F of the Code. The Holder of the
Class A-R Certificate is hereby designated as the Tax Matters Person for the
REMIC. By their acceptance of the Class A-R Certificate, such Holder irrevocably
appoints the Trustee as its agent to perform all of the duties of the Tax
Matters Person for the REMIC.
Section 5.07 Rights of the Tax Matters Person in Respect of the
Trustee. The Trustee shall afford the Tax Matters Person, upon reasonable notice
during normal business hours, access to all records maintained by the Trustee in
respect of its duties hereunder and access to officers of the Trustee
responsible for performing such duties. Upon request, the Trustee shall furnish
the Tax Matters Person with its most recent report of condition published
pursuant to law or to the requirements of its supervisory or examining authority
publicly available. The Trustee shall make available to the Tax Matters Person
such books, documents or records relating to the Trustee's services hereunder as
the Tax Matters Person shall reasonably request. The Tax Matters Person shall
not have any responsibility or liability for any action or failure to act by the
Trustee and is not obligated to supervise the performance of the Trustee under
this Agreement or otherwise.
Section 5.08 REMIC Related Covenants. For as long as the Trust shall
exist, the Trustee, the Depositor and each Servicer shall act in accordance
herewith to assure continuing treatment of the Trust Estate as a REMIC and avoid
the imposition of tax on the REMIC. In particular:
(a) The Trustee shall not create, or permit the creation of, any
"interests" in the REMIC within the meaning of Code Section 860D(a)(2) other
than the interests represented by the Regular Certificates and the Residual
Certificate.
(b) Except as otherwise provided in the Code, (i) the Depositor and
the Servicers shall not contribute to the Trust Estate and the Trustee shall not
accept property unless substantially all of the property held in the REMIC
constitutes either "qualified mortgages" or "permitted investments" as defined
in Code Sections 860G(a)(3) and (5), respectively, and (ii) no property shall be
contributed to the REMIC after the start-up day unless such contribution would
not subject the Trust Estate to the 100% tax on contributions to a REMIC after
the start-up day of the REMIC imposed by Code Section 860G(d).
(c) The Trustee shall not accept on behalf of the REMIC any fee or
other compensation for services and neither the Trustee nor the Servicers shall
knowingly accept, on behalf of the Trust Estate any income from assets other
than those permitted to be held by a REMIC.
(d) The Trustee shall not sell or permit the sale of all or any
portion of the Mortgage Loans (other than in accordance with Sections 2.02, 2.05
or 3.14(b)), unless such sale is pursuant to a "qualified liquidation" as
defined in Code Section 860F(a)(4)(A) and in accordance with Article X.
(e) The Trustee shall maintain books with respect to the Trust on a
calendar year taxable year and on an accrual basis.
None of the Servicers or the Trustee shall engage in a "prohibited
transaction" (as defined in Code Section 860F(a)(2)), except that, with the
prior written consent of each Servicer and the Depositor, the Trustee may engage
in the activities otherwise prohibited by the foregoing paragraphs (b), (c) and
(d); provided that each Servicer (or the two Servicers, acting together) shall
have delivered to the Trustee an Opinion of Counsel to the effect that such
transaction will not result in the imposition of a tax on the REMIC and will not
disqualify the Trust Estate from treatment as a REMIC; and, provided further,
that the Servicers shall have demonstrated to the satisfaction of the Trustee
that such action will not adversely affect the rights of the Holders of the
Certificates and the Trustee and that such action will not adversely impact the
rating of the Certificates.
ARTICLE VI
THE CERTIFICATES
Section 6.01 The Certificates. The Classes of Senior Certificates
and the Subordinate Certificates shall be substantially in the forms set forth
in Exhibits A-1, A-2, A-3, A-4, A-5, A-6, A-7, A-8, A-9, A-10, A-11, A-12, A-13,
A-14, A-15, A-16, A-17, A-18, A-19, A-20, A-21, A-22, A-PO, A-R, B-1, B-2, B-3,
B-4, B-5, B-6 and C (reverse of all Certificates) and shall, on original issue,
be executed by the Trustee and shall be countersigned and delivered by the
Trustee to or upon the order of the Depositor upon receipt by the Trustee of the
documents specified in Section 2.01. The Senior Certificates (other than the
Class A-PO and Class A-R Certificates) shall be available to investors in
interests representing minimum dollar Certificate Balances of $1,000 and
integral multiples of $1 in excess thereof. The Subordinate Certificates and the
Class A-PO Certificates shall be available to investors in interests
representing minimum dollar Certificate Balances of $25,000 and integral dollar
multiples of $1 in excess thereof (except one Certificate of such Class may be
issued with a different Certificate Balance). The Class A-R Certificate shall be
in a minimum denomination of $100. The Senior Certificates (other than the Class
A-R Certificate) and the Class B-1, Class B-2 and Class B-3 Certificates shall
initially be issued in book-entry form through the Depository and all other
Classes of Certificates shall initially be issued in definitive,
fully-registered form.
The Certificates shall be executed by manual or facsimile signature
on behalf of the Trustee by an authorized officer or signatory. Certificates
bearing the manual or facsimile signatures of individuals who were, at the time
when such signatures were affixed, authorized to sign on behalf of the Trustee
shall bind the Trustee, notwithstanding that such individuals or any of them
have ceased to be so authorized prior to the execution and delivery of such
Certificates or did not hold such offices or positions at the date of such
Certificate. No Certificate shall be entitled to any benefit under this
Agreement, or be valid for any purpose, unless such Certificate shall have been
manually countersigned by the Trustee substantially in the form provided for
herein, and such countersignature upon any Certificate shall be conclusive
evidence, and the only evidence, that such Certificate has been duly
authenticated and delivered hereunder. All Certificates shall be dated the date
of their countersignature.
Section 6.02 Registration of Transfer and Exchange of Certificates.
(a) The Trustee shall cause to be kept at an office or agency in the
city in which the Corporate Trust Office of the Trustee is located a Certificate
Register in which, subject to such reasonable regulations as it may prescribe,
the Trustee shall provide for the registration of Certificates and of transfers
and exchanges of Certificates as herein provided. The Trustee shall initially
serve as Certificate Registrar for the purpose of registering Certificates and
transfers and exchanges of Certificates as herein provided.
(b) At the option of the Certificateholders, Certificates may be
exchanged for other Certificates of authorized denominations of a like Class,
tenor and aggregate Percentage Interest, upon surrender of the Certificates to
be exchanged at any such office or agency. Whenever any Certificates are so
surrendered for exchange, the Trustee shall execute and the Trustee shall
authenticate, countersign and deliver the Certificates which the
Certificateholder making the exchange is entitled to receive. Every Certificate
presented or surrendered for transfer or exchange shall (if so required by the
Trustee or the Certificate Registrar) be duly endorsed by, or be accompanied by
a written instrument of transfer in form satisfactory to the Trustee and the
Certificate Registrar duly executed by, the Holder thereof or its attorney duly
authorized in writing.
(c) (i) Except as provided in paragraph (c)(iii) below, the
Book-Entry Certificates shall at all times remain registered in the name
of the Depository or its nominee and at all times: (A) registration of the
Certificates may not be transferred by the Trustee except to another
Depository; (B) the Depository shall maintain book-entry records with
respect to the Certificate Owners and with respect to ownership and
transfers of such Book-Entry Certificates; (C) ownership and transfers of
registration of the Book-Entry Certificates on the books of the Depository
shall be governed by applicable rules established by the Depository; (D)
the Depository may collect its usual and customary fees, charges and
expenses from its Depository Participants; (E) the Trustee shall deal with
the Depository as the representative of the Certificate Owners of the
Book-Entry Certificates for purposes of exercising the rights of Holders
under this Agreement, and requests and directions for and votes of the
Depository shall not be deemed to be inconsistent if they are made with
respect to different Certificate Owners; and (F) the Trustee may rely and
shall be fully protected in relying upon information furnished by the
Depository with respect to its Depository Participants and furnished by
the Depository Participants with respect to indirect participating firms
and persons shown on the books of such indirect participating firms as
direct or indirect Certificate Owners.
(ii) All transfers by Certificate Owners of Book-Entry Certificates
shall be made in accordance with the procedures established by the
Depository Participant or brokerage firm representing such Certificate
Owner. Each Depository Participant shall only transfer Book-Entry
Certificates of Certificate Owners it represents or of brokerage firms for
which it acts as agent in accordance with the Depository's normal
procedures.
(iii) If (A) (1) the Depository or the Depositor advises the Trustee
in writing that the Depository is no longer willing or able to properly
discharge its responsibilities as Depository, and (2) the Trustee or the
Depositor is unable to locate a qualified successor, (B) the Depositor at
its option advises the Trustee in writing that it elects to terminate the
book-entry system through the Depository or (C) after the occurrence of an
Event of Default, Certificate Owners representing at least 51% of the
aggregate Class Certificate Balances of the Book-Entry Certificates
together advise the Trustee and the Depository through the Depository
Participants in writing that the continuation of a book-entry system
through the Depository is no longer in the best interests of the
Certificate Owners, the Trustee shall notify all Certificate Owners,
through the Depository, of the occurrence of any such event and of the
availability of definitive, fully-registered Certificates (the "Definitive
Certificates") to Certificate Owners requesting the same. Upon surrender
to the Trustee of the related Class of Certificates by the Depository,
accompanied by the instructions from the Depository for registration, the
Trustee shall issue the Definitive Certificates. None of the Servicers,
the Depositor or the Trustee shall be liable for any delay in delivery of
such instruction and may conclusively rely on, and shall be protected in
relying on, such instructions. The Depositor shall provide the Trustee
with an adequate inventory of certificates to facilitate the issuance and
transfer of Definitive Certificates. Upon the issuance of Definitive
Certificates, the Trustee shall recognize the Holders of the Definitive
Certificates as Certificateholders hereunder.
(d) No transfer of a Private Certificate shall be made unless such
transfer is exempt from the registration requirements of the 1933 Act and any
applicable state securities laws or is made in accordance with the 1933 Act and
such laws. In the event of any such transfer, (i) unless such transfer is made
in reliance on Rule 144A under the 1933 Act, the Trustee or the Depositor may
require a written Opinion of Counsel (which may be in-house counsel) acceptable
to and in form and substance reasonably satisfactory to the Trustee and the
Depositor that such transfer may be made pursuant to an exemption, describing
the applicable exemption and the basis therefor, from the 1933 Act and such laws
or is being made pursuant to the 1933 Act and such laws, which Opinion of
Counsel shall not be an expense of the Trustee or the Depositor and (ii) the
Trustee shall require a certificate from the Certificateholder desiring to
effect such transfer substantially in the form attached hereto as Exhibit G-1
and a certificate from such Certificateholder's prospective transferee
substantially in the form attached hereto either as Exhibit G-2A or as Exhibit
G-2B, which certificates shall not be an expense of the Trustee or the
Depositor; provided that the foregoing requirements under clauses (i) and (ii)
shall not apply to a transfer of a Private Certificate between or among the
Depositor, either Seller, their affiliates or both. The Depositor shall provide
to any Holder of a Private Certificate and any prospective transferees
designated by any such Holder, information regarding the related Certificates
and the Mortgage Loans and such other information as shall be necessary to
satisfy the condition to eligibility set forth in Rule 144A(d)(4) for transfer
of any such certificate without registration thereof under the 1933 Act pursuant
to the registration exemption provided by Rule 144A. The Holder of a Private
Certificate desiring to effect such transfer shall, and does hereby agree to,
indemnify the Trustee and the Depositor against any liability that may result if
the transfer is not so exempt or is not made in accordance with such federal and
state laws.
(e) No transfer of an ERISA Restricted Certificate shall be made
unless the transferee delivers to the Trustee either (i) a representation letter
in the form of Exhibit H from the transferee of such Certificate, which
representation letter shall not be an expense of the Depositor, the Trustee or
either Servicer, or (ii) in the case of any ERISA Restricted Certificate
presented for registration in the name of an employee benefit plan or
arrangement, including an individual retirement account, subject to ERISA, the
Code, or any federal, state or local law ("Similar Law") which is similar to
ERISA or the Code (collectively, a "Plan"), or a trustee or custodian of any of
the foregoing, an Opinion of Counsel in form and substance satisfactory to the
Trustee and each Servicer to the effect that the purchase or holding of such
ERISA Restricted Certificate by or on behalf of such Plan will not result in the
assets of the Trust Estate being deemed to be "plan assets" and subject to the
prohibited transaction provisions of ERISA, the Code or Similar Law and will not
subject the Trustee, the Depositor or either Servicer to any obligation in
addition to those undertaken in this Agreement, which Opinion of Counsel shall
not be an expense of the Trustee or either Servicer. Any transferee of an ERISA
Restricted Certificate that does not comply with either clause (i) or (ii) of
the preceding sentence will be deemed to have made one of the representations
set forth in Exhibit H. Notwithstanding anything else to the contrary herein,
any purported transfer of an ERISA Restricted Certificate to or on behalf of a
Plan without the delivery to the Trustee and each Servicer of an Opinion of
Counsel satisfactory to the Trustee and each Servicer as described above shall
be void and of no effect.
Neither the Trustee nor the Certificate Registrar shall have any
liability for transfers of Book-Entry Certificates made through the book-entry
facilities of the Depository or between or among any Depository Participants or
Certificate Owners, made in violation of applicable restrictions. The Trustee
may rely and shall be fully protected in relying upon information furnished by
the Depository with respect to its Depository Participants and furnished by the
Depository Participants with respect to indirect participating firms and Persons
shown on the books of such indirect participating firms as direct or indirect
Certificate Owners.
To the extent permitted under applicable law (including, but not
limited to, ERISA), the Trustee shall be under no liability to any Person for
any registration of transfer of any ERISA Restricted Certificate that is in fact
not permitted by this Section 6.02 or for making any payments due on such
Certificate to the Holder thereof or taking any other action with respect to
such Holder under the provisions of this Agreement so long as the transfer was
registered by the Trustee in accordance with the foregoing requirements.
(f) Each Person who has or who acquires any Ownership Interest in a
Residual Certificate shall be deemed by the acceptance or acquisition of such
Ownership Interest to have agreed to be bound by the following provisions, and
the rights of each Person acquiring any Ownership Interest in a Residual
Certificate are expressly subject to the following provisions:
(i) Each Person holding or acquiring any Ownership Interest in a
Residual Certificate shall be a Permitted Transferee and shall promptly
notify the Trustee of any change or impending change in its status as a
Permitted Transferee.
(ii) No Person shall acquire an Ownership Interest in a Residual
Certificate unless such Ownership Interest is a pro rata undivided
interest.
(iii) In connection with any proposed transfer of any Ownership
Interest in a Residual Certificate, the Trustee shall require delivery to
it, in form and substance satisfactory to it, of an affidavit in the form
of Exhibit I hereto from the proposed transferee.
(iv) Notwithstanding the delivery of an affidavit by a proposed
transferee under clause (iii) above, if a Responsible Officer of the
Trustee has actual knowledge that the proposed transferee is not a
Permitted Transferee, no transfer of any Ownership Interest in a Residual
Certificate to such proposed transferee shall be effected.
(v) No Ownership Interest in a Residual Certificate may be
purchased by or transferred to any Person that is not a U.S. Person,
unless (A) such Person holds such Residual Certificate in connection with
the conduct of a trade or business within the United States and furnishes
the transferor and the Trustee with an effective Internal Revenue Service
Form 4224 or (B) the transferee delivers to both the transferor and the
Trustee an Opinion of Counsel from a nationally-recognized tax counsel to
the effect that such transfer is in accordance with the requirements of
the Code and the regulations promulgated thereunder and that such transfer
of a Residual Certificate will not be disregarded for federal income tax
purposes.
(vi) Any attempted or purported transfer of any Ownership
Interest in a Residual Certificate in violation of the provisions of this
Section 6.02 shall be absolutely null and void and shall vest no rights in
the purported transferee. If any purported transferee shall, in violation
of the provisions of this Section 6.02, become a Holder of a Residual
Certificate, then the prior Holder of such Residual Certificate that is a
Permitted Transferee shall, upon discovery that the registration of
transfer of such Residual Certificate was not in fact permitted by this
Section 6.02, be restored to all rights as Holder thereof retroactive to
the date of registration of transfer of such Residual Certificate. The
Trustee shall be under no liability to any Person for any registration of
transfer of a Residual Certificate that is in fact not permitted by this
Section 6.02 or for making any distributions due on such Residual
Certificate to the Holder thereof or taking any other action with respect
to such Holder under the provisions of the Agreement so long as the
transfer was registered in accordance with this Section 6.02. The Trustee
shall be entitled to recover from any Holder of a Residual Certificate
that was in fact not a Permitted Transferee at the time such distributions
were made all distributions made on such Residual Certificate. Any such
distributions so recovered by the Trustee shall be distributed and
delivered by the Trustee to the prior Holder of such Residual Certificate
that is a Permitted Transferee.
(vii) If any Person other than a Permitted Transferee acquires
any Ownership Interest in a Residual Certificate in violation of the
restrictions in this Section 6.02, then the Trustee, based on information
provided to the Trustee by either Servicer, will provide to the Internal
Revenue Service, and to the Persons specified in Section 860E(e)(3) and
(6) of the Code, information needed to compute the tax imposed under
Section 860E(e) of the Code on transfers of residual interests to
disqualified organizations. The expenses of the Trustee under this clause
(vii) shall be reimbursable by the Trust.
(g) [Reserved]
(h) No service charge shall be imposed for any transfer or exchange
of Certificates of any Class, but the Trustee may require payment of a sum
sufficient to cover any tax or governmental charge that may be imposed in
connection with any transfer or exchange of Certificates.
(i) All Certificates surrendered for transfer and exchange shall be
destroyed by the Certificate Registrar.
Section 6.03 Mutilated, Destroyed, Lost or Stolen Certificates. If
(a) any mutilated Certificate is surrendered to the Certificate Registrar or the
Certificate Registrar receives evidence to its satisfaction of the destruction,
loss or theft of any Certificate, and (b) there is delivered to the Trustee, the
Depositor and the Certificate Registrar such security or indemnity reasonably
satisfactory to each, to save each of them harmless, then, in the absence of
actual notice to the Trustee or the Certificate Registrar that such Certificate
has been acquired by a bona fide purchaser, the Trustee shall countersign and
deliver, in exchange for or in lieu of any such mutilated, destroyed, lost or
stolen Certificate, a new Certificate of like tenor, Class and Percentage
Interest but bearing a number not contemporaneously outstanding. Upon the
issuance of any new Certificate under this Section, the Trustee may require the
payment of a sum sufficient to cover any tax or other governmental charge that
may be imposed in relation thereto and any other expenses (including the fees
and expenses of the Trustee and the Certificate Registrar) connected therewith.
Any duplicate Certificate issued pursuant to this Section shall constitute
complete and indefeasible evidence of ownership in the Trust, as if originally
issued, whether or not the lost, stolen or destroyed Certificate shall be found
at any time.
Section 6.04 Persons Deemed Owners. Prior to due presentation of a
Certificate for registration of transfer, the Depositor, the Servicers, the
Trustee, the Certificate Registrar and any agent of the Depositor, the
Servicers, the Trustee or the Certificate Registrar may treat the Person in
whose name any Certificate is registered as the owner of such Certificate for
the purpose of receiving distributions pursuant to Section 5.01 and for all
other purposes whatsoever, and none of the Depositor, the Servicers, the
Trustee, the Certificate Registrar or any agent of the Servicers, the Trustee or
the Certificate Registrar shall be affected by notice to the contrary.
ARTICLE VII
THE DEPOSITOR AND THE SERVICERS
Section 7.01 Respective Liabilities of the Depositor and the
Servicers. The Depositor and the Servicers shall each be liable in accordance
herewith only to the extent of the obligations specifically and respectively
imposed upon and undertaken by the Depositor and the Servicers herein. By way of
illustration and not limitation, the Depositor is not liable for the servicing
and administration of the Mortgage Loans, nor is it obligated by Section 8.01 to
assume any obligations of either Servicer or to appoint a designee to assume
such obligations, nor is it liable for any other obligation hereunder that it
may, but is not obligated to, assume unless it elects to assume such obligation
in accordance herewith.
Section 7.02 Merger or Consolidation of the Depositor or a Servicer.
The Depositor and each Servicer will each keep in full effect its existence,
rights and franchises as a separate entity under the laws governing its
organization, and will each obtain and preserve its qualification to do business
as a foreign corporation in each jurisdiction in which such qualification is or
shall be necessary to protect the validity and enforceability of this Agreement,
the Certificates or any of the Mortgage Loans and to perform its respective
duties under this Agreement.
Any Person into which the Depositor or either Servicer may be merged
or consolidated, or any corporation resulting from any merger or consolidation
to which the Depositor or either Servicer shall be a party, or any Person
succeeding to the business of the Depositor or either Servicer, shall be the
successor of the Depositor or such Servicer, as the case may be, hereunder,
without the execution or filing of any paper or any further act on the part of
any of the parties hereto, anything herein to the contrary notwithstanding;
provided, however, that the successor or surviving Person to a Servicer shall be
qualified to service mortgage loans on behalf of FNMA or FHLMC.
Section 7.03 Limitation on Liability of the Depositor, the Servicers
and Others. None of the Depositor, the Servicers or any of the directors,
officers, employees or agents of the Depositor or of either Servicer shall be
under any liability to the Trust Estate or the Certificateholders for any action
taken or for refraining from the taking of any action in good faith pursuant to
this Agreement, or for errors in judgment; provided, however, that this
provision shall not protect the Depositor, the Servicers or any such Person
against any breach of warranties or representations made herein or any liability
which would otherwise be imposed by reason of willful misfeasance, bad faith or
gross negligence in the performance of duties or by reason of reckless disregard
of obligations and duties hereunder. The Depositor, the Servicers and any
director, officer, employee or agent of the Depositor or either Servicer may
rely in good faith on any document of any kind prima facie properly executed and
submitted by any Person respecting any matters arising hereunder. The Depositor,
the Servicers and any director, officer, employee or agent of the Depositor or
either Servicer shall be indemnified by the Trust Estate and held harmless
against any loss, liability or expense incurred in connection with any legal
action relating to this Agreement or the Certificates, other than any loss,
liability or expense related to any specific Mortgage Loan or Mortgage Loans
(except as any such loss, liability or expense shall be otherwise reimbursable
pursuant to this Agreement) and any loss, liability or expense incurred by
reason of willful misfeasance, bad faith or gross negligence in the performance
of duties hereunder or by reason of reckless disregard of obligations and duties
hereunder. None of the Depositor or either of the Servicers shall be under any
obligation to appear in, prosecute or defend any legal action which is not
incidental to its respective duties under this Agreement and which in its
opinion may involve it in any expense or liability; provided, however, that the
Depositor or either Servicer may in its discretion undertake any such action
which it may deem necessary or desirable in respect to this Agreement and the
rights and duties of the parties hereto and the interests of the
Certificateholders hereunder. In such event, the legal expenses and costs of
such action and any liability resulting therefrom shall be expenses, costs and
liabilities of the Trust Estate, and the Depositor and such Servicer shall be
entitled to be reimbursed therefor out of amounts attributable to the Mortgage
Loans on deposit in the related Servicer Custodial Account as provided by
Section 3.11.
Section 7.04 Depositor and Servicers Not to Resign. Subject to the
provisions of Section 7.02, none of the Depositor or the Servicers shall resign
from its respective obligations and duties hereby imposed on it except upon
determination that its duties hereunder are no longer permissible under
applicable law. Any such determination permitting the resignation of the
Depositor or either Servicer shall be evidenced by an Opinion of Counsel to such
effect delivered to the Trustee. No such resignation by a Servicer shall become
effective until the Trustee or a successor servicer shall have assumed such
Servicer's responsibilities and obligations in accordance with Section 8.05
hereof.
ARTICLE VIII
DEFAULT
Section 8.01 Events of Default. If any one of the following events
("Events of Default") shall occur and be continuing:
(a) any failure by either Servicer to deposit amounts in the related
Servicer Custodial Account in the amount and manner provided herein so as to
enable the Trustee to distribute to Holders of Certificates any payment required
to be made under the terms of such Certificates and this Agreement (other than
the payments required to be made under Section 3.20) which continues unremedied
for a period of five days; or
(b) failure on the part of either Servicer duly to observe or
perform in any material respect any other covenants or agreements of such
Servicer set forth in the Certificates or in this Agreement, which covenants and
agreements continue unremedied for a period of 30 days after the date on which
written notice of such failure, requiring the same to be remedied, shall have
been given to such Servicer by the Trustee or the Depositor, or to the
Servicers, the Depositor and the Trustee by the Holders of Certificates
evidencing Voting Rights aggregating not less than 25% of all Certificates
affected thereby; or
(c) the entry of a decree or order by a court or agency or
supervisory authority having jurisdiction in the premises for the appointment of
a conservator, receiver or liquidator in any insolvency, readjustment of debt,
marshalling of assets and liabilities or similar proceedings against either
Servicer, or for the winding up or liquidation of either Servicer's affairs, and
the continuance of any such decree or order unstayed and in effect for a period
of 60 consecutive days; or
(d) the consent by either Servicer to the appointment of a
conservator or receiver or liquidator in any insolvency, readjustment of debt,
marshalling of assets and liabilities or similar proceedings of or relating to
such Servicer or of or relating to substantially all of its property; or either
Servicer shall admit in writing its inability to pay its debts generally as they
become due, file a petition to take advantage of any applicable insolvency or
reorganization statute, make an assignment for the benefit of its creditors, or
voluntarily suspend payment of its obligations; or
(e) the failure of either Servicer to remit any Periodic Advance
required to be remitted by such Servicer pursuant to Section 3.20 which failure
continues unremedied at 3:00 p.m. on the related Distribution Date;
then, and in each and every such case, so long as an Event of Default shall not
have been remedied by the related Servicer, either the Trustee or the Depositor
may, and at the direction of the Holders of Certificates evidencing Voting
Rights aggregating not less than 51% of all Certificates affected thereby shall,
by notice then given in writing to the related Servicer (and to the Trustee, if
given by the Depositor, and to the Depositor, if given by the Trustee),
terminate all of the rights and obligations of such Servicer under this
Agreement. If an Event of Default described in clause (e) hereof shall occur,
the Trustee shall, by notice to the related Servicer, terminate all of the
rights and obligations of such Servicer under this Agreement and in and to the
Mortgage Loans and proceeds thereof and the Trustee or a successor Servicer
appointed pursuant to Section 8.05 shall make the Advance which such Servicer
failed to make. On or after the receipt by a Servicer of such written notice,
all authority and power of such Servicer under this Agreement, whether with
respect to the Certificates or the Mortgage Loans or otherwise, shall pass to
and be vested in the Trustee pursuant to and under this Section 8.01, unless and
until such time as the Trustee shall appoint a successor Servicer pursuant to
Section 8.05, and, without limitation, the Trustee is hereby authorized and
empowered to execute and deliver, on behalf of each Servicer, as
attorney-in-fact or otherwise, any and all documents and other instruments, and
to do or accomplish all other acts or things necessary or appropriate to effect
the purposes of such notice of termination, whether to complete the transfer and
endorsement of the Mortgage Loans and related documents, or otherwise,
including, without limitation, the recordation of the assignments of the
Mortgage Loans to it. Each Servicer agrees to cooperate with the Trustee in
effecting the termination of the responsibilities and rights of such Servicer
hereunder, including, without limitation, the transfer to the Trustee for the
administration by it of all cash amounts that have been deposited by such
Servicer in the related Servicer Custodial Account or thereafter received by
such Servicer with respect to the Mortgage Loans. Upon obtaining notice or
knowledge of the occurrence of any Event of Default, the Person obtaining such
notice or knowledge shall give prompt written notice thereof to
Certificateholders at their respective addresses appearing in the Certificate
Register and to each Rating Agency. All costs and expenses (including attorneys'
fees) incurred in connection with transferring the Mortgage Files to the
successor Servicer and amending this Agreement to reflect such succession as
Servicer pursuant to this Section 8.01 shall be paid by the predecessor
Servicer. Notwithstanding the termination of a Servicer pursuant hereto, such
Servicer shall remain liable for any causes of action arising out of any Event
of Default occurring prior to such termination.
Section 8.02 Remedies of Trustee. During the continuance of any
Event of Default, so long as such Event of Default shall not have been remedied,
the Trustee, in addition to the rights specified in Section 8.01, shall have the
right, in its own name as trustee of an express trust, to take all actions now
or hereafter existing at law, in equity or by statute to enforce its rights and
remedies and to protect the interests, and enforce the rights and remedies, of
the Certificateholders (including the institution and prosecution of all
judicial, administrative and other proceedings and the filing of proofs of claim
and debt in connection therewith). Except as otherwise expressly provided in
this Agreement, no remedy provided for by this Agreement shall be exclusive of
any other remedy, and each and every remedy shall be cumulative and in addition
to any other remedy and no delay or omission to exercise any right or remedy
shall impair any such right or remedy or shall be deemed to be a waiver of any
Event of Default.
Section 8.03 Directions by Certificateholders and Duties of Trustee
During Event of Default. During the continuance of any Event of Default, Holders
of Certificates evidencing Voting Rights aggregating not less than 25% of each
Class of Certificates affected thereby may direct the time, method and place of
conducting any proceeding for any remedy available to the Trustee, or exercising
any trust or power conferred upon the Trustee under this Agreement; provided,
however, that the Trustee shall be under no obligation to pursue any such
remedy, or to exercise any of the trusts or powers vested in it by this
Agreement (including, without limitation, (a) the conducting or defending of any
administrative action or litigation hereunder or in relation hereto, and (b) the
terminating of either Servicer or any successor Servicer from its rights and
duties as servicer hereunder) at the request, order or direction of any of the
Certificateholders, unless such Certificateholders shall have offered to the
Trustee reasonable security or indemnity against the costs, expenses and
liabilities which may be incurred therein or thereby and, provided further,
that, subject to the provisions of Section 9.01, the Trustee shall have the
right to decline to follow any such direction if the Trustee, based upon an
Opinion of Counsel, determines that the action or proceeding so directed may not
lawfully be taken or if the Trustee in good faith determines that the action or
proceeding so directed would involve it in personal liability or be unjustly
prejudicial to the non-assenting Certificateholders.
Section 8.04 Action upon Certain Failures of a Servicer and upon
Event of Default. In the event that the Trustee shall have actual knowledge of
any failure of either Servicer specified in Section 8.01(a) or (b) which would
become an Event of Default upon such Servicer's failure to remedy the same after
notice, the Trustee shall give notice thereof to such Servicer. If the Trustee
shall have knowledge of an Event of Default, the Trustee shall give prompt
written notice thereof to the Certificateholders.
Section 8.05 Trustee to Act; Appointment of Successor.
(a) On and after the time a Servicer receives a notice of
termination pursuant to Section 8.01, the Trustee shall be the successor in all
respects to such Servicer in its capacity as servicer under this Agreement and
the transactions set forth or provided for herein and shall be subject to all
the responsibilities, duties and liabilities relating thereto placed on such
Servicer by the terms and provisions hereof or shall appoint a successor
pursuant to Section 3.07. Notwithstanding anything provided herein to the
contrary, under no circumstances shall any provision of this Agreement be
construed to require the Trustee, acting in its capacity as successor to a
Servicer in its obligation to make Advances, to advance, expend or risk its own
funds or otherwise incur any financial liability in the performance of its
duties hereunder if it shall have reasonable grounds for believing that such
funds are non-recoverable. Subject to Section 8.05(b), as compensation therefor,
the Trustee shall be entitled to such compensation as the terminated Servicer
would have been entitled to hereunder if no such notice of termination had been
given. Notwithstanding the above, the Trustee may, if it shall be unwilling so
to act, or shall, if it is legally unable so to act, appoint, or petition a
court of competent jurisdiction to appoint, any established housing and home
finance institution having a net worth of not less than $10,000,000 as the
successor to the terminated Servicer hereunder in the assumption of all or any
part of the responsibilities, duties or liabilities of such Servicer hereunder;
provided, however, that any such institution appointed as successor Servicer
shall not, as evidenced in writing by each Rating Agency, adversely affect the
then current rating of any Class of Certificates immediately prior to the
termination of the terminated Servicer. The appointment of a successor Servicer
shall not affect any liability of the predecessor Servicer which may have arisen
under this Agreement prior to its termination as Servicer, nor shall any
successor Servicer be liable for any acts or omissions of the predecessor
Servicer or for any breach by such Servicer of any of its representations or
warranties contained herein or in any related document or agreement. Pending
appointment of a successor to the terminated Servicer hereunder, unless the
Trustee is prohibited by law from so acting, the Trustee shall act in such
capacity as provided above. The Trustee and such successor shall take such
action, consistent with this Agreement, as shall be necessary to effectuate any
such succession.
(b) In connection with the appointment of a successor Servicer or
the assumption of the duties of a Servicer, as specified in Section 8.05(a), the
Trustee may make such arrangements for the compensation of such successor out of
payments on Mortgage Loans serviced by the predecessor Servicer as it and such
successor shall agree; provided, however, that any Person assuming the duties of
a Servicer as successor to NationsBanc Mortgage Corporation or Bank of America,
FSB shall pay to such predecessor an amount equal to the market value of the
portion of the Servicing Fee that will accrue in the future due to the Servicing
Fee Rate exceeding 0.25% per annum with respect to any Mortgage Loan. The
"market value" of such portion of the Servicing Fee shall be determined by
NationsBanc Mortgage Corporation or Bank of America, FSB, as applicable, on the
basis of at least two quotations from third parties actively engaged in the
servicing of single-family mortgage loans. If the successor Servicer does not
agree that such market value is a fair price, such successor shall obtain two
quotations of market value from third parties actively engaged in the servicing
of single-family mortgage loans. The market value of the excess portion of the
Servicing Fee will then be equal to the average of (i) the lowest figure
obtained by NationsBanc Mortgage Corporation or Bank of America, FSB, as
applicable, and (ii) the highest figure obtained by the successor Servicer.
Payment of the amount calculated above shall be made to NationsBanc Mortgage
Corporation or Bank of America, FSB, as applicable, by the successor Servicer no
later than the last Business Day of the month in which such successor Servicer
becomes entitled to receive the Servicing Fee under this Agreement. In no event
will any portion of the Trust Estate be used to pay amounts due to NationsBanc
Mortgage Corporation or Bank of America, FSB, as applicable, under this Section
8.05(b).
(c) Any successor, including the Trustee, to a Servicer as servicer
shall during the term of its service as servicer maintain in force (i) a policy
or policies of insurance covering errors and omissions in the performance of its
obligations as servicer hereunder and (ii) a fidelity bond in respect of its
officers, employees and agents to the same extent as each Servicer is so
required pursuant to Section 3.03.
Section 8.06 Notification to Certificateholders. Upon any
termination or appointment of a successor to a Servicer pursuant to this Article
VIII, the Trustee shall give prompt written notice thereof to Certificateholders
at their respective addresses appearing in the Certificate Register and to each
Rating Agency.
ARTICLE IX
THE TRUSTEE
Section 9.01 Duties of Trustee.
(a) The Trustee, prior to the occurrence of an Event of Default and
after the curing or waiver of all Events of Default which may have occurred,
undertakes to perform such duties and only such duties as are specifically set
forth in this Agreement. In case an Event of Default has occurred of which a
Responsible Officer of the Trustee shall have actual knowledge (which has not
been cured or waived), the Trustee shall exercise such of the rights and powers
vested in it by this Agreement, and use the same degree of care and skill in
their exercise as a reasonably prudent investor would exercise or use under the
circumstances in the conduct of such investor's own affairs.
The Trustee, upon receipt of all resolutions, certificates,
statements, opinions, reports, documents, orders or other instruments furnished
to the Trustee which are specifically required to be furnished pursuant to any
provision of this Agreement, shall examine them to determine whether they
conform to the requirements of this Agreement.
(b) No provision of this Agreement shall be construed to relieve the
Trustee from liability for its own grossly negligent action, its own grossly
negligent failure to act or its own willful misfeasance; provided, however,
that:
(i) Prior to the occurrence of an Event of Default, and after the
curing or waiver of all such Events of Default which may have occurred,
the duties and obligations of the Trustee shall be determined solely by
the express provisions of this Agreement, the Trustee shall not be liable
except for the performance of such duties and obligations as are
specifically set forth in this Agreement, no implied covenants or
obligations shall be read into this Agreement against the Trustee and, in
the absence of bad faith on the part of the Trustee, the Trustee may
conclusively rely, as to the truth of the statements and the correctness
of the opinions expressed therein, upon any certificates or opinions
furnished to the Trustee by the Depositor or the Servicers and which on
their face, do not contradict the requirements of this Agreement;
(ii) The Trustee (in its individual capacity) shall not be
personally liable for an error of judgment made in good faith by a
Responsible Officer or Responsible Officers of the Trustee, unless it
shall be proved that the Trustee was grossly negligent in ascertaining the
pertinent facts;
(iii) The Trustee (in its individual capacity) shall not be
personally liable with respect to any action taken, suffered or omitted to
be taken by it in good faith in accordance with the direction of
Certificateholders as provided in Section 8.03;
(iv) The Trustee shall not be charged with knowledge of any
default (other than a default in payment to the Trustee) specified in
clauses (a) and (b) of Section 8.01 or an Event of Default under clauses
(c), (d) and (e) of Section 8.01 unless a Responsible Officer of the
Trustee assigned to and working in the Corporate Trust Office obtains
actual knowledge of such failure or event or any officer of the Trustee
receives written notice of such failure or event at its Corporate Trust
Office from a Servicer, the Depositor or any Certificateholder; and
(v) Except to the extent provided in Section 8.05, no provision
in this Agreement shall require the Trustee to expend or risk its own
funds (including, without limitation, the making of any Advance as
successor Servicer) or otherwise incur any personal financial liability in
the performance of any of its duties as Trustee hereunder, or in the
exercise of any of its rights or powers, if the Trustee shall have
reasonable grounds for believing that repayment of funds or adequate
indemnity against such risk or liability is not reasonably assured to it.
Section 9.02 Certain Matters Affecting the Trustee.
Except as otherwise provided in Section 9.01:
(i) The Trustee may request and rely upon and shall be protected
in acting or refraining from acting upon any resolution, Officer's
Certificate, certificate of auditors or any other certificate, statement,
instrument, opinion, report, notice, request, consent, order, appraisal,
bond or other paper or document believed by it to be genuine and to have
been signed or presented by the proper party or parties;
(ii) The Trustee may consult with counsel and any Opinion of
Counsel shall be full and complete authorization and protection in respect
of any action taken or suffered or omitted by it hereunder in good faith
and in accordance with such Opinion of Counsel;
(iii) The Trustee shall be under no obligation to exercise any of
the trusts or powers vested in it by this Agreement or to institute,
conduct or defend any litigation hereunder or in relation hereto at the
request, order or direction of any of the Certificateholders, pursuant to
the provisions of this Agreement, unless such Certificateholders shall
have offered to the Trustee reasonable security or indemnity against the
costs, expenses and liabilities which may be incurred therein or thereby;
nothing contained herein shall, however, relieve the Trustee of the
obligation, upon the occurrence of an Event of Default (which has not been
cured or waived), to exercise such of the rights and powers vested in it
by this Agreement, and to use the same degree of care and skill in their
exercise as a prudent investor would exercise or use under the
circumstances in the conduct of such investor's own affairs;
(iv) The Trustee shall not be personally liable for any action
taken, suffered or omitted by it in good faith and believed by it to be
authorized or within the discretion or rights or powers conferred upon it
by this Agreement;
(v) Prior to the occurrence of an Event of Default hereunder and
after the curing or waiving of all Events of Default which may have
occurred, the Trustee shall not be bound to make any investigation into
the facts or matters stated in any resolution, certificate, statement,
instrument, opinion, report, notice, request, consent, order, approval,
bond or other paper or document, unless requested in writing so to do by
Holders or Certificate or any Class evidencing, as to such Class,
Percentage Interests, aggregating not less than 50%; provided, however,
that if the payment within a reasonable time to the Trustee of the costs,
expenses or liabilities likely to be incurred by it in the making of such
investigation is, in the opinion of the Trustee, not reasonably assured to
the Trustee by the security afforded to it by the terms of this Agreement,
the Trustee may require reasonable indemnity against such expense or
liability or payment of such estimated expenses as a condition to so
proceeding; and
(vi) The Trustee may execute any of the trusts or powers
hereunder or perform any duties hereunder either directly or by or through
agents or attorneys.
Section 9.03 Trustee Not Liable for Certificates or Mortgage Loans.
The recitals contained herein and in the Certificates (other than the execution
of, and the counter-signature on the Certificates) shall be taken as the
statements of the Depositor or Servicers, as applicable, and the Trustee assumes
no responsibility for their correctness. The Trustee makes no representations as
to the validity or sufficiency of this Agreement or of the Certificates or any
Mortgage Loans save that the Trustee represents that, assuming due execution and
delivery by the other parties hereto, this Agreement has been duly authorized,
executed and delivered by it and constitutes its legal, valid and binding
obligation, enforceable against it in accordance with its terms, subject, as to
enforcement of remedies, to applicable insolvency, receivership, moratorium and
other laws affecting the rights of creditors generally, and to general
principles of equity and the discretion of the court (regardless of whether
enforcement of such remedies is considered in a proceeding in equity or at law).
The Trustee shall not be accountable for the use or application by the Depositor
of funds paid to the Depositor in consideration of the assignment of the
Mortgage Loans hereunder by the Depositor, or for the use or application of any
funds paid to Subservicers or the Servicers in respect of the Mortgage Loans or
deposited into the Servicer Custodial Accounts, or any other account hereunder
(other than the Certificate Account) by a Servicer.
The Trustee shall at no time have any responsibility or liability
for or with respect to the legality, validity and enforceability of any Mortgage
or any Mortgage Loan, or the perfection and priority of any Mortgage or the
maintenance of any such perfection and priority or for or with respect to the
sufficiency of the Trust or its ability to generate the payments to be
distributed to Certificateholders under this Agreement, including, without
limitation: the existence, condition and ownership of any Mortgaged Property;
the existence and enforceability of any hazard insurance thereon (other than if
the Trustee shall assume the duties of a Servicer pursuant to Section 8.05 and
thereupon only for the acts or omissions of the successor Servicer); the
validity of the assignment of any Mortgage Loan to the Trustee or of any
intervening assignment; the completeness of any Mortgage Loan; the performance
or enforcement of any Mortgage Loan (other than if the Trustee shall assume the
duties of a Servicer pursuant to Section 8.05 and thereupon only for the acts or
omissions of the Trustee as successor Servicer); the compliance by the Depositor
or the Servicers with any warranty or representation made under this Agreement
or in any related document or the accuracy of any such warranty or
representation; any investment of monies by or at the direction of a Servicer or
any loss resulting therefrom, it being understood that the Trustee shall remain
responsible for any Trust property that it may hold in its individual capacity;
the acts or omissions of any of the Depositor, the Servicers (other than if the
Trustee shall assume the duties of a Servicer pursuant to Section 8.05 and
thereupon only for the acts or omissions of the Trustee as successor Servicer),
any Subservicer or any Mortgagor; any action of a Servicer (other than if the
Trustee shall assume the duties of a Servicer pursuant to Section 8.05 and
thereupon only for the acts or omissions of the Trustee as successor Servicer)
or any Subservicer taken in the name of the Trustee; the failure of a Servicer
or any Subservicer to act or perform any duties required of it as agent of the
Trustee hereunder; or any action by the Trustee taken at the instruction of a
Servicer (other than if the Trustee shall assume the duties of a Servicer
pursuant to Section 8.05 and thereupon only for the acts or omissions of the
Trustee as successor Servicer); provided, however, that the foregoing shall not
relieve the Trustee of its obligation to perform its duties under this
Agreement, including, without limitation, the Trustee's review of the Mortgage
Files pursuant to Section 2.02. The Trustee shall file any financing or
continuation statement in any public office at any time required to maintain the
perfection of any security interest or lien granted to it hereunder.
Section 9.04 Trustee May Own Certificates. The Trustee in its
individual or any other capacity may become the owner or pledgee of Certificates
with the same rights it would have if it were not Trustee and may otherwise deal
with the Servicers, any Subservicer or any of their respective affiliates with
the same right it would have if it were not the Trustee.
Section 9.05 Eligibility Requirements for Trustee. The Trustee
hereunder shall at all times be (a) an institution the deposits of which are
fully insured by the FDIC and (b) a corporation or banking association organized
and doing business under the laws of the United States of America or of any
State, authorized under such laws to exercise corporate trust powers, having a
combined capital and surplus of not less than $50,000,000 and subject to
supervision or examination by Federal or State authority and (c) with respect to
every successor trustee hereunder either an institution (i) the long-term
unsecured debt obligations of which are rated at least "A" by S&P and "A" by
Fitch or (ii) whose serving as Trustee hereunder would not result in the
lowering of the ratings originally assigned to any Class of Certificates. The
Trustee shall not be an affiliate of the Depositor or either Servicer. If such
corporation or banking association publishes reports of condition at least
annually, pursuant to law or to the requirements of the aforesaid supervising or
examining authority, then for the purposes of this Section 9.05, the combined
capital and surplus of such corporation or banking association shall be deemed
to be its combined capital and surplus as set forth in its most recent report of
condition so published. In case at any time the Trustee shall cease to be
eligible in accordance with the provision of this Section 9.05, the Trustee
shall resign immediately in the manner and with the effect specified in Section
9.06.
Section 9.06 Resignation and Removal of Trustee. The Trustee may at
any time resign and be discharged from the trust hereby created by giving
written notice thereof to the Servicers and mailing a copy of such notice to all
Holders of record. The Trustee shall also mail a copy of such notice of
resignation to each Rating Agency. Upon receiving such notice of resignation,
the Servicers shall use their best efforts to promptly appoint a mutually
acceptable successor Trustee by written instrument, in duplicate, one copy of
which instrument shall be delivered to the resigning Trustee and one copy to the
successor Trustee. If no successor Trustee shall have been so appointed and
shall have accepted appointment within 30 days after the giving of such notice
of resignation, the resigning Trustee may petition any court of competent
jurisdiction for the appointment of a successor Trustee.
If at any time the Trustee shall cease to be eligible in accordance
with the provisions of Section 9.05 and shall fail to resign after written
request therefor by the Servicers, or if at any time the Trustee shall become
incapable of acting, or shall be adjudged a bankrupt or insolvent, or a receiver
of the Trustee or of its property shall be appointed, or any public officer
shall take charge or control of the Trustee or of its property or affairs for
the purpose of rehabilitation, conservation or liquidation, then the Servicers
may remove the Trustee and appoint a successor trustee by written instrument, in
duplicate, one copy of which instrument shall be delivered to the Trustee so
removed and one copy to the successor.
The Holders of Certificates evidencing not less than 50% of the
Voting Rights may at any time remove the Trustee by written instrument or
instruments delivered to the Servicers and the Trustee; the Servicers shall
thereupon use their best efforts to appoint a mutually acceptable successor
Trustee in accordance with this Section 9.06.
Any resignation or removal of the Trustee and appointment of a
successor Trustee pursuant to any of the provisions of this Section 9.06 shall
become effective upon acceptance of appointment by the successor Trustee as
provided in Section 9.07.
Section 9.07 Successor Trustee. Any successor Trustee appointed as
provided in Section 9.06 shall execute, acknowledge and deliver to the Servicers
and to its predecessor Trustee an instrument accepting such appointment
hereunder, and thereupon the resignation or removal of the predecessor Trustee
shall become effective and such successor Trustee, without any further act, deed
or conveyance, shall become fully vested with all the rights, powers, duties and
obligations of its predecessor hereunder, with like effect as if originally
named as Trustee herein. The predecessor Trustee shall duly assign, transfer,
deliver and pay over to the successor Trustee the whole of the Mortgage Files
and related documents and statements held by it hereunder, together with all
instruments of transfer and assignment or other documents properly executed as
may be reasonably required to effect such transfer and such of the records or
copies thereof maintained by the predecessor Trustee in the administration
hereof as may be reasonably requested by the successor Trustee and shall
thereupon be discharged from all duties and responsibilities under this
Agreement; provided, however, that if the predecessor Trustee has been
terminated pursuant to the third paragraph of Section 9.06, all reasonable
expenses of the predecessor Trustee incurred in complying with this Section 9.07
shall be reimbursed by the Trust.
No successor Trustee shall accept appointment as provided in this
Section 9.07 unless at the time of such appointment such successor Trustee shall
be eligible under the provisions of Section 9.05.
Upon acceptance of appointment by a successor Trustee as provided in
this Section 9.07, the Servicers shall cooperate to mail notice of the
succession of such Trustee hereunder to all Holders of Certificates at their
addresses as shown in the Certificate Register and to each Rating Agency. If the
Servicers fail to mail such notice within ten days after acceptance of
appointment by the successor Trustee, the successor Trustee shall cause such
notice to be mailed at the expense of the Servicers.
Section 9.08 Merger or Consolidation of Trustee. Any corporation or
banking association into which the Trustee may be merged or converted or with
which it may be consolidated, or any corporation or banking association
resulting from any merger, conversion or consolidation to which the Trustee
shall be a party, or any corporation or banking association succeeding to all or
substantially all of the corporate trust business of the Trustee, shall be the
successor of the Trustee hereunder, if such corporation or banking association
is eligible under the provisions of Section 9.05, without the execution or
filing of any paper or any further act on the part of any of the parties hereto,
anything herein to the contrary notwithstanding.
Section 9.09 Appointment of Co-Trustee or Separate Trustee.
Notwithstanding any of the provisions hereof, at any time, for the purpose of
meeting any legal requirements of any jurisdiction in which any Mortgaged
Property may at the time be located or for any other reason, the related
Servicer and the Trustee acting jointly shall have the power and shall execute
and deliver all instruments to appoint one or more Persons approved by the
Trustee as co-trustee or separate trustee of all or any part of the Trust
Estate, and to vest in such Person or Persons, in such capacity, such title to
the Trust Estate, or any part thereof, and, subject to the other provision of
this Section 9.09, such powers, duties, obligations, rights and trusts as such
Servicer and the Trustee may consider necessary or desirable. If a Servicer
shall not have joined in such appointment within ten days after the receipt by
it of a request to do so, the Trustee alone shall have the power to make such
appointment. No co-trustee or separate trustee hereunder shall be required to
meet the terms of eligibility as a successor Trustee under Section 9.05 and no
notice to Holders of Certificates of the appointment of co-trustee(s) or
separate trustee(s) shall be required under Section 9.07.
In the case of any appointment of a co-trustee or separate trustee
pursuant to this Section 9.09, all rights, powers, duties and obligations
conferred or imposed upon the Trustee shall be conferred or imposed upon and
exercised or performed by the Trustee and such separate trustee or co-trustee
jointly, except to the extent that under any law of any jurisdiction in which
any particular act or acts are to be performed (whether as Trustee hereunder or
as successor to a Servicer hereunder), the Trustee shall be incompetent or
unqualified to perform such act or acts, in which event such rights, powers,
duties and obligations (including the holding of title to the Trust Estate or
any portion thereof in any such jurisdiction) shall be exercised and performed
by such separate trustee or co-trustee at the direction of the Trustee. No
trustee hereunder shall be held personally liable by reason of any act or
omission of any other trustee hereunder; provided, however, that no appointment
of a co-trustee or separate trustee hereunder shall relieve the Trustee of its
obligations hereunder.
Any notice, request or other writing given to the Trustee shall be
deemed to have been given to each of the then separate trustees and co-trustees,
as effectively as if given to each of them. Every instrument appointing any
separate trustee or co-trustee shall refer to this Agreement and the conditions
of this Article IX. Each separate trustee and co-trustee, upon its acceptance of
the trusts conferred, shall be vested with the estates or property specified in
its instrument of appointment, either jointly with the Trustee or separately, as
may be provided therein, subject to all the provisions of this Agreement,
specifically including every provision of this Agreement relating to the conduct
of, affecting the liability of, or affording protection to, the Trustee. Every
such instrument shall be filed with the Trustee.
Any separate trustee or co-trustee may, at any time, constitute the
Trustee, its agent or attorney-in-fact, with full power and authority, to the
extent not prohibited by law, to do any lawful act under or in respect of this
Agreement on its behalf and in its name. If any separate trustee or co-trustee
shall become incapable of acting, resign or be removed, or shall be adjudged a
bankrupt or insolvent, or a receiver of its property shall be appointed, or any
public officer shall take charge or control of such trustee or co-trustee or of
its property or affairs for the purpose of rehabilitation, conservation or
liquidation, all of its estates, properties, rights, remedies and trusts shall
vest in and be exercised by the Trustee, to the extent permitted by law, without
the appointment of a new or successor trustee.
Section 9.10 Authenticating Agents. The Trustee may appoint one or
more authenticating agents ("Authenticating Agents") which shall be authorized
to act on behalf of the Trustee in authenticating or countersigning
Certificates. Initially, the Authenticating Agent shall be The Bank of New York.
Wherever reference is made in this Agreement to the authentication or
countersigning of Certificates by the Trustee or the Trustee's certificate of
authentication or countersigning, such reference shall be deemed to include
authentication or countersigning on behalf of the Trustee by an Authenticating
Agent and a certificate of authentication or countersignature executed on behalf
of the Trustee by an Authenticating Agent. Each Authenticating Agent must be
acceptable to the Servicers and must be a corporation or banking association
organized and doing business under the laws of the United States of America or
of any State, having a principal office and place of business in New York, New
York, having a combined capital and surplus of at least $15,000,000, authorized
under such laws to do a trust business and subject to supervision or examination
by Federal or State authorities.
Any corporation or banking association into which any Authenticating
Agent may be merged or converted or with which it may be consolidated, or any
corporation or banking association resulting from any merger, conversion or
consolidation to which any Authenticating Agent shall be a party, or any
corporation or banking association succeeding to the corporate agency business
of any Authenticating Agent, shall continue to be the Authenticating Agent
without the execution or filing of any paper or any further act on the part of
the Trustee or the Authenticating Agent.
Any Authenticating Agent may at any time resign by giving written
notice of resignation to the Trustee and to the Servicers. The Trustee may at
any time terminate the agency of any Authenticating Agent by giving written
notice of termination to such Authenticating Agent and to the Servicers. Upon
receiving a notice of resignation or upon such a termination, or in case, at any
time any Authenticating Agent shall cease to be eligible in accordance with the
provisions of this Section 9.10, the Trustee may appoint a successor
Authenticating Agent, shall give written notice of such appointment to the
Servicers and shall mail notice of such appointment to all Certificateholders.
Any successor Authenticating Agent upon acceptance of its appointment hereunder
shall become vested with all the rights, powers, duties and responsibilities of
its predecessor hereunder, with like effect as if originally named as
Authenticating Agent.
Section 9.11 Trustee's Fees and Expenses. The Trustee, as
compensation for its activities hereunder, shall be entitled to receive on each
Distribution Date an amount equal to the Trustee Fee for such Distribution Date
pursuant to Section 5.02(a). The Trustee and any director, officer, employee or
agent of the Trustee shall be indemnified by the Trust and held harmless against
any loss, liability or expense (including reasonable attorney's fees) (a)
incurred in connection with any claim or legal action relating to (i) this
Agreement, (ii) the Certificates, or (iii) the performance of any of the
Trustee's duties hereunder, other than any loss, liability or expense incurred
by reason of willful misfeasance, bad faith or gross negligence in the
performance of any of the Trustee's duties hereunder, (b) resulting from any tax
or information return which was prepared by, or should have been prepared by,
the related Servicer and (c) arising out of the transfer of any Private
Certificate not in compliance with ERISA. Such indemnity shall survive the
termination of this Agreement or the resignation or removal of the Trustee
hereunder. Without limiting the foregoing, except as otherwise agreed upon in
writing by the Depositor and the Trustee, and except for any such expense,
disbursement or advance as may arise from the Trustee's gross negligence, bad
faith or willful misconduct, the Trust shall reimburse the Trustee for all
reasonable expenses, disbursements and advances incurred or made by the Trustee
in accordance with any of the provisions of this Agreement to the extent
permitted by Treasury Regulations Section 1.860G-1(b)(3)(ii) and (iii);
provided, however, that the Depositor and the Trustee intend to enter into a
separate agreement for custody-related services. Except as otherwise provided
herein, the Trustee shall not be entitled to payment or reimbursement for any
routine ongoing expenses incurred by the Trustee in the ordinary course of its
duties as Trustee, Certificate Registrar or Paying Agent hereunder or for any
other expenses.
Section 9.12 [Reserved]
Section 9.13 Paying Agents. The Trustee may appoint one or more
Paying Agents (each, a "Paying Agent") which shall be authorized to act on
behalf of the Trustee in making withdrawals from the Certificate Account and
distributions to Certificateholders as provided in Section 3.08 and Section
5.02. Wherever reference is made in this Agreement to the withdrawal from the
Certificate Account by the Trustee, such reference shall be deemed to include
such a withdrawal on behalf of the Trustee by a Paying Agent. Initially, the
Paying Agent shall be The Bank of New York. Whenever reference is made in this
Agreement to a distribution by the Trustee or the furnishing of a statement to
Certificateholders by the Trustee, such reference shall be deemed to include
such a distribution or furnishing on behalf of the Trustee by a Paying Agent.
Each Paying Agent shall provide to the Trustee such information concerning the
Certificate Account as the Trustee shall request from time to time. Each Paying
Agent must be reasonably acceptable to the Servicers and must be a corporation
or banking association organized and doing business under the laws of the United
States of America or of any state, having (except in the case of the Trustee) a
principal office and place of business in New York, New York, having a combined
capital and surplus of at least $15,000,000, authorized under such laws to do a
trust business and subject to supervision or examination by federal or state
authorities.
Any corporation into which any Paying Agent may be merged or
converted or with which it may be consolidated, or any corporation resulting
from any merger, conversion or consolidation to which any Paying Agent shall be
a party, or any corporation succeeding to the corporate agency business of any
Paying Agent, shall continue to be the Paying Agent provided that such
corporation after the consummation of such merger, conversion, consolidation or
succession meets the eligibility requirements of this Section 9.13.
Any Paying Agent may at any time resign by giving written notice of
resignation to the Trustee and to the Servicers; provided that the Paying Agent
has returned to the Certificate Account or otherwise accounted, to the
reasonable satisfaction of the Trustee, for all amounts it has withdrawn from
the Certificate Account. The Trustee may, upon prior written approval of the
Servicers, at any time terminate the agency of any Paying Agent by giving
written notice of termination to such Paying Agent and to the Servicers. Upon
receiving a notice of resignation or upon such a termination, or in case at any
time any Paying Agent shall cease to be eligible in accordance with the
provisions of the first paragraph of this Section 9.13, the Trustee may appoint,
upon prior written approval of the Servicers, a successor Paying Agent, shall
give written notice of such appointment to the Servicers and shall mail notice
of such appointment to all Certificateholders. Any successor Paying Agent upon
acceptance of its appointment hereunder shall become vested with all rights,
powers, duties and responsibilities of its predecessor hereunder, with like
effect as if originally named as Paying Agent. The Trustee shall remain liable
for any duties and obligations assumed by its appointed Paying Agent.
Section 9.14 Limitation of Liability. The Certificates are executed
by the Trustee, not in its individual capacity but solely as Trustee of the
Trust, in the exercise of the powers and authority conferred and vested in it by
this Agreement. Each of the undertakings and agreements made on the part of the
Trustee in the Certificates is made and intended not as a personal undertaking
or agreement by the Trustee but is made and intended for the purpose of binding
only the Trust.
Section 9.15 Trustee May Enforce Claims Without Possession of
Certificates. All rights of action and claims under this Agreement or the
Certificates may be prosecuted and enforced by the Trustee without the
possession of any of the Certificates or the production thereof in any
proceeding relating thereto, and such preceding instituted by the Trustee shall
be brought in its own name or in its capacity as Trustee. Any recovery of
judgment shall, after provision for the payment of the reasonable compensation,
expenses, disbursement and advances of the Trustee, its agents and counsel, be
for the ratable benefit of the Certificateholders in respect of which such
judgment has been recovered.
Section 9.16 Suits for Enforcement. In case an Event of Default or
other default by a Servicer or the Depositor hereunder shall occur and be
continuing, the Trustee, in its discretion, may proceed to protect and enforce
its rights and the rights of the Holders of Certificates under this Agreement by
a suit, action or proceeding in equity or at law or otherwise, whether for the
specific performance of any covenant or agreement contained in this Agreement or
in aid of the execution of any power granted in this Agreement or for the
enforcement of any other legal, equitable or other remedy, as the Trustee, being
advised by counsel, shall deem most effectual to protect and enforce any of the
rights of the Trustee and the Certificateholders.
Section 9.17 Waiver of Bond Requirement. The Trustee shall be
relieved of, and each Certificateholder hereby waives, any requirement of any
jurisdiction in which the Trust, or any part thereof, may be located that the
Trustee post a bond or other surety with any court, agency or body whatsoever.
Section 9.18 Waiver of Inventory, Accounting and Appraisal
Requirement. The Trustee shall be relieved of, and each Certificateholder hereby
waives, any requirement of any jurisdiction in which the Trust, or any part
thereof, may be located that the Trustee file any inventory, accounting or
appraisal of the Trust with any court, agency or body at any time or in any
manner whatsoever.
Section 9.19 Year 2000 Compliance. The Trustee warrants that it will
use commercially reasonable efforts to ensure that the computer software and
hardware systems ("Systems") that are owned by the Trustee and used to provide
the services are 2000 Compliant or will be made 2000 Compliant before December
31, 1999. With respect to software that the Trustee licenses from third parties
and uses in providing the services ("Third Party Software"), the Trustee
warrants that it has used or will use commercially reasonable efforts to test
the same by September 30, 1999 to certify, in accordance with the Trustee's
standard practices, that the Third Party Software is 2000 Compliant. If the
Trustee cannot certify any Third Party Software as 2000 Compliant, the Trustee
will use commercially reasonable efforts to replace such Third Party Software
with software that is warranted or certified by its vendor as 2000 Compliant, if
such replacement is available, compatible with the Trustee's Systems and deemed
by the Trustee as appropriate under the circumstances. In the event that the
Trustee uses third party service providers to provide the services or any
portion thereof ("Third Party Services"), the Trustee warrants that it has in
place a program under which it will use commercially reasonable efforts to
contact such service providers and obtain from them assurances that the Systems
that they use in providing services are 2000 Compliant. Notwithstanding the
foregoing, the Trustee cannot and does not warrant that the Systems, Third Party
Software or Third Party Services will continue to interface with the hardware,
firmware, software (including operating systems), records or data used by the
third parties. As used herein, the term "2000 Compliant" means that the Systems,
Third Party Software and Third Party Services will function without material
error caused by the introduction of dates falling on or after January 1, 2000.
ARTICLE X
TERMINATION
Section 10.01 Termination upon Purchase by the Depositor or
Liquidation of All Mortgage Loans. Subject to Section 10.02, the respective
obligations and responsibilities of the Depositor, the Servicers and the Trustee
created hereby (other than the obligation of Trustee to make certain payments to
Certificateholders after the Final Distribution Date and to send certain notices
as hereinafter set forth and the obligations of the Trustee pursuant to Sections
5.04(b) and 5.05(b)) shall terminate upon the last action required to be taken
by the Trustee on the Final Distribution Date pursuant to this Article X
following the earlier of (a) the purchase by the Depositor of all Mortgage Loans
and all REO Property remaining in the Trust Estate at a price equal to the sum
of (i) 100% of the Stated Principal Balance of each Mortgage Loan (other than
any Mortgage Loan as to which REO Property has been acquired and whose fair
market value is included pursuant to clause (ii) below) and (ii) the fair market
value of such REO Property (as determined by the Depositor as of the close of
business on the third Business Day next preceding the date upon which notice of
any such termination is furnished to Certificateholders pursuant to the third
paragraph of this Article X), plus any Class Unpaid Interest Shortfall for any
Class of Certificates as well as one month's interest at the related Mortgage
Rate on the Stated Principal Balance of each Mortgage Loan (including any
Mortgage Loan as to which REO Property has been acquired) or (b) the final
payment or other liquidation (or any advance with respect thereto) of the last
Mortgage Loan remaining in the Trust Estate or the disposition of all REO
Property; provided, however, that in no event shall the Trust created hereby
continue beyond the expiration of 21 years from the death of the last survivor
of the descendants of Joseph P. Kennedy, the late ambassador of the United
States to the Court of St. James, living on the date hereof.
The right of the Depositor to repurchase all Mortgage Loans pursuant
to (a) above is conditioned upon the Pool Stated Principal Balance as of the
Final Distribution Date being less than 10% of the Cut-Off Date Pool Principal
Balance. If such right is exercised, the Trustee shall, promptly following
payment of the purchase price, release to the Depositor or its designee the
Mortgage Files pertaining to the Mortgage Loans being purchased.
Notice of any termination, specifying the Final Distribution Date
(which shall be a date that would otherwise be a Distribution Date) upon which
the Certificateholders may surrender their Certificates to the Trustee for
payment of the final distribution and for cancellation, shall be given promptly
by the Depositor (if exercising its right to purchase the assets of the Trust)
or by the Trustee (in any other case) by letter to Certificateholders mailed not
earlier than the 15th day and not later than the 25th day of the month next
preceding the month of such final distribution specifying (1) the Final
Distribution Date upon which final payment of the Certificates will be made upon
presentation and surrender of Certificates at the office or agency of the
Trustee therein designated, (2) the amount of any such final payment and (3)
that the Record Date otherwise applicable to such Distribution Date is not
applicable, payments being made only upon presentation and surrender of the
Certificates at the office or agency of the Trustee therein specified. If the
Depositor is obligated to give notice to Certificateholders as aforesaid, it
shall give such notice to the Trustee and the Certificate Registrar at the time
such notice is given to Certificateholders. In the event such notice is given by
the Depositor, the Depositor shall deposit in the Certificate Account on or
before the Final Distribution Date in immediately available funds an amount
equal to the amount necessary to make the amount, if any, on deposit in the
Certificate Account on the Final Distribution Date equal to the purchase price
for the related assets of the Trust computed as above provided together with a
statement as to the amount to be distributed on each Class of Certificates
pursuant to the next succeeding paragraph.
Upon presentation and surrender of the Certificates, the Trustee
shall cause to be distributed to Certificateholders of each Class, in the order
set forth in Section 5.02 hereof, on the final Distribution Date and in
proportion to their respective Percentage Interests, with respect to
Certificateholders of the same Class, an amount equal to (I) as to each Class of
Certificates, the Class Certificate Balance thereof plus (a) accrued interest
thereon in the case of an interest bearing Certificate and (b) the Class A-PO
Deferred Amount with respect to the Class A-PO Certificates, and (II) as to the
Class A-R Certificate, the amounts, if any, which remain on deposit in the
Certificate Account (other than the amounts retained to meet claims) after
application pursuant to clause (I) above.
If all of the Certificateholders do not surrender their Certificates
for final payment and cancellation on or before the Final Distribution Date, the
Trustee shall on such date cause all funds in the Certificate Account not
distributed in final distribution to Certificateholders to continue to be held
by the Trustee in an Eligible Account for the benefit of such Certificateholders
and the Depositor (if it exercised its right to purchase the assets of the Trust
Estate) or the Trustee (in any other case) shall give a second written notice to
the remaining Certificateholders to surrender their Certificates for
cancellation and receive the final distribution with respect thereto. If within
one year after the second notice all the Certificates shall not have been
surrendered for cancellation, the Trustee may take appropriate steps, or may
appoint an agent to take appropriate steps, to contact the remaining
Certificateholders concerning surrender of their Certificates, and the cost
thereof shall be paid out of the funds on deposit in such Eligible Account.
Section 10.02 Additional Termination Requirements.
(a) If the Depositor exercises its purchase option as provided in
Section 10.01, the Trust shall be terminated in accordance with the following
additional requirements, unless the Trustee has received an Opinion of Counsel
to the effect that the failure of the Trust to comply with the requirements of
this Section 10.02 will not (i) result in the imposition of taxes on "prohibited
transactions" of the Trust as defined in Section 860F of the Code, or (ii) cause
the Trust Estate to fail to qualify as a REMIC at any time that any Certificates
are outstanding:
(i) within 90 days prior to the Final Distribution Date set forth
in the notice given by the Depositor under Section 10.01, the Trustee
shall sell all of the assets of the Trust Estate to the Depositor for
cash; and
(ii) the notice given by the Depositor or the Trustee pursuant to
Section 10.01 shall provide that such notice constitutes the adopting of a
plan of complete liquidation of the REMIC as of the date of such notice
(or, if earlier, the date on which such notice was mailed to
Certificateholders). The Trustee shall also specify such date in the final
tax return of the REMIC.
(b) By their acceptance of the Residual Certificate, the Holder
thereof hereby agrees to take such other action in connection with such plan of
complete liquidation as may be reasonably requested by the Depositor.
ARTICLE XI
MISCELLANEOUS PROVISIONS
Section 11.01 Amendment. This Agreement may be amended from time to
time by the Depositor, the Servicers and the Trustee without the consent of any
of the Certificateholders, (i) to cure any ambiguity or mistake, (ii) to correct
or supplement any provisions herein or therein which may be inconsistent with
any other provisions herein or therein, (iii) to modify, eliminate or add to any
of its provisions to such extent as shall be necessary to maintain the
qualification of the Trust Estate as a REMIC at all times that any Certificates
are outstanding or to avoid or minimize the risk of the imposition of any tax on
the REMIC pursuant to the Code that would be a claim against the Trust Estate,
provided that (a) the Trustee has received an Opinion of Counsel to the effect
that such action is necessary or desirable to maintain such qualification or to
avoid or minimize the risk of the imposition of any such tax and (b) such action
shall not, as evidenced by such Opinion of Counsel, adversely affect in any
material respect the interests of any Certificateholder, (iv) to change the
timing and/or nature of deposits into the Certificate Account provided that (a)
such change shall not, as evidenced by an Opinion of Counsel, adversely affect
in any material respect the interests of any Certificateholder and (b) such
change shall not adversely affect the then-current rating of the Senior
Certificates, the Class B-1 Certificates, the Class B-2 Certificates, the Class
B-3 Certificates, the Class B-4 Certificates or the Class B-5 Certificates as
evidenced by a letter from each Rating Agency rating such Certificates to such
effect and (v) to make any other provisions with respect to matters or questions
arising under this Agreement which shall not be materially inconsistent with the
provisions of this Agreement, provided that such action shall not, as evidenced
by an Opinion of Counsel, adversely affect in any material respect the interests
of any Certificateholder, provided that the amendment shall not be deemed to
adversely affect in any material respect the interests of the Certificateholders
and no Opinion of Counsel to that effect shall be required if the Person
requesting the amendment obtains a letter from each Rating Agency stating that
the amendment would not result in the downgrading or withdrawal of the
respective ratings then assigned to the Certificates.
This Agreement may also be amended from time to time by the
Depositor, the Servicers and the Trustee, with the consent of the Holders of
Certificates of each Class of Certificates which is affected by such amendment,
evidencing, as to each such Class of Certificates, Percentage Interests
aggregating not less than 66-2/3%, for the purpose of adding any provisions to
or changing in any manner or eliminating any of the provisions of this Agreement
or of modifying in any manner the rights of the Holders of such Certificates;
provided, however, that no such amendment shall (A) reduce in any manner the
amount of, or delay the timing of, collections of payments on Mortgage Loans or
distributions which are required to be made on any Certificate without the
consent of the Holder of such Certificate or (B) reduce the aforesaid percentage
required to consent to any such amendment, without the consent of the Holders of
all Certificates then Outstanding.
Prior to the solicitation of consent of Certificateholders in
connection with any such amendment, the party seeking such amendment shall
furnish the Trustee with an Opinion of Counsel stating whether such amendment
would adversely affect the qualification of the Trust Estate as a REMIC and
notice of the conclusion expressed in such Opinion of Counsel shall be included
with any such solicitation. An amendment made with the consent of all
Certificateholders and executed in accordance with this Section 11.01 shall be
permitted or authorized by this Agreement notwithstanding that such Opinion of
Counsel may conclude that such amendment would adversely affect the
qualification of the Trust Estate as a REMIC.
Promptly after the execution of any such amendment or consent the
Trustee shall furnish written notification of the substance of or a copy of such
amendment to each Certificateholder and to each Rating Agency.
It shall not be necessary for the consent of Certificateholders
under this Section 11.01 to approve the particular form of any proposed
amendment, but it shall be sufficient if such consent shall approve the
substance thereof. The manner of obtaining such consents and of evidencing the
authorization of the execution thereof by Certificateholders shall be subject to
such reasonable requirements as the Trustee may prescribe.
Section 11.02 Recordation of Agreement. This Agreement is subject to
recordation in all appropriate public offices for real property records in all
the counties or other comparable jurisdictions in which any or all of the
properties subject to the Mortgages are situated, and in any other appropriate
public recording office or elsewhere, such recordation to be effected by either
Servicer and at its expense on direction by the Trustee, who will act at the
direction of Holders of Certificates evidencing not less than 50% of all Voting
Rights, but only upon direction of the Trustee accompanied by an Opinion of
Counsel to the effect that such recordation materially and beneficially affects
the interests of Certificateholders.
For the purpose of facilitating the recordation of this Agreement as
herein provided and for other purposes, this Agreement may be executed
simultaneously in any number of counterparts, each of which counterparts shall
be deemed to be an original, and such counterparts shall constitute but one and
the same instrument.
Section 11.03 Limitation on Rights of Certificateholders. The death
or incapacity of any Certificateholder shall not operate to terminate this
Agreement or the Trust, nor entitle such Certificateholder's legal
representatives or heirs to claim an accounting or to take any action or
commence any proceeding in any court for a partition or winding up of the Trust,
nor otherwise affect the rights, obligations and liabilities of the parties
hereto or any of them.
No Certificateholder shall have any right to vote (except as
provided herein) or in any manner otherwise control the operation and management
of the Trust, or the obligations of the parties hereto, nor shall anything
herein set forth, or contained in the terms of the Certificates, be construed so
as to constitute the Certificateholders from time to time as partners or members
of an association; nor shall any Certificateholder be under any liability to any
third person by reason of any action taken by the parties to this Agreement
pursuant to any provision hereof.
No Certificateholder shall have any right by virtue or by availing
itself of any provisions of this Agreement to institute any suit, action or
proceeding in equity or at law upon or under or with respect to this Agreement,
unless such Holder previously shall have given to the Trustee a written notice
of default and of the continuance thereof, as provided herein, and unless also
the Holders of Certificates evidencing Percentage Interests aggregating not less
than 25% of each Class of Certificates affected thereby shall have made written
request upon the Trustee to institute such action, suit or proceeding in its own
name as Trustee hereunder and shall have offered to the Trustee such reasonable
indemnity as it may require against the costs, expenses and liabilities to be
incurred therein or thereby, and the Trustee, for 60 days after its receipt of
such notice, request and offer of indemnity, shall have neglected or refused to
institute any such action, suit or proceeding; it being understood and intended,
and being expressly covenanted by each Certificateholder with every other
Certificateholder and the Trustee, that no one or more Holders of Certificates
shall have any right in any manner whatever by virtue or by availing itself or
themselves of any provisions of this Agreement to affect, disturb or prejudice
the rights of the Holders of any other of the Certificates, or to obtain or seek
to obtain priority over or preference to any other such Holder, or to enforce
any right under this Agreement, except in the manner herein provided and for the
equal, ratable and common benefit of all Certificateholders. For the protection
and enforcement of the provisions of this Section 11.03, each and every
Certificateholder and the Trustee shall be entitled to such relief as can be
given either at law or in equity.
Section 11.04 Governing Law. THIS AGREEMENT SHALL BE CONSTRUED IN
ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, WITHOUT APPLICATION OF THE
CONFLICTS OF LAWS PROVISIONS THEREOF, AND THE OBLIGATIONS, RIGHTS AND REMEDIES
OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS.
Section 11.05 Notices. All demands, notices, instructions,
directions, requests and communications required to be delivered hereunder shall
be in writing and shall be deemed to have been duly given if personally
delivered at or mailed by certified mail, return receipt requested, (provided,
however, that notices to the Trustee shall be deemed effective upon receipt) to
(a) in the case of the Depositor, Bank of America Mortgage Securities, Inc., 345
Montgomery Street, Lower Level #2, Unit #8152, San Francisco, California 94104,
Attention: Russell Thompson, (b) in the case of the NMC Servicer, NationsBanc
Mortgage Corporation, 101 East Main Street, Suite 400, Louisville, Kentucky
40202, Attention: Servicing Manager, with a copy to: NationsBanc Mortgage
Corporation, 201 North Tryon Street, 14th Floor, Charlotte, North Carolina
28255, Attention: General Counsel and Treasurer, (c) in the case of the BA
Servicer, Bank of America, FSB, 10200 Valley View Street, Cypress, California
90630, Attention: Brian Shea, (d) in the case of the Trustee, 101 Barclay Street
- - 12E, New York, New York 10286, Attention: Corporate Trust - MBS Group (Fax:
(212) 815-5309), (d) in the case of S&P, Standard & Poor's, a division of The
McGraw-Hill Companies, Inc., 26 Broadway, New York, New York 10004, Attn:
Mortgage Surveillance Group, and (e) in the case of Fitch, Fitch IBCA, Inc., One
State Street Plaza, New York, New York 10004, Attn: Residential Mortgage
Surveillance Group; or, as to each party, at such other address as shall be
designated by such party in a written notice to each other party. Any notice
required or permitted to be mailed to a Certificateholder shall be given by
first class mail, postage prepaid, at the address of such Holder as shown in the
Certificate Register. Any notice so mailed within the time prescribed in this
Agreement shall be conclusively presumed to have been duly given, whether or not
the Certificateholder receives such notice.
Section 11.06 Severability of Provisions. If any one or more of the
covenants, agreements, provisions or terms of this Agreement shall be for any
reason whatsoever held invalid, then such covenants, agreements, provisions or
terms shall be deemed severable from the remaining covenants, agreements,
provisions or terms of this Agreement and shall in no way affect the validity or
enforceability of the other provisions of this Agreement or of the Certificates
or the rights of the Holders thereof.
Section 11.07 Certificates Nonassessable and Fully Paid. It is the
intention of the Trustee that Certificateholders shall not be personally liable
for obligations of the Trust Estate, that the beneficial ownership interests
represented by the Certificates shall be nonassessable for any losses or
expenses of the Trust Estate or for any reason whatsoever, and that Certificates
upon execution, countersignature and delivery thereof by the Trustee pursuant to
Section 6.01 are and shall be deemed fully paid.
Section 11.08 Access to List of Certificateholders. The Certificate
Registrar will furnish or cause to be furnished to the Trustee, within 15 days
after the receipt of a request by the Trustee in writing, a list, in such form
as the Trustee may reasonably require, of the names and addresses of the
Certificateholders as of the most recent Record Date for payment of
distributions to Certificateholders.
If three or more Certificateholders apply in writing to the Trustee,
and such application states that the applicants desire to communicate with other
Certificateholders with respect to their rights under this Agreement or under
the Certificates and is accompanied by a copy of the communication which such
applicants propose to transmit, then the Trustee shall, within five Business
Days after the receipt of such application, afford such applicants access during
normal business hours to the most recent list of Certificateholders held by the
Trustee. If such a list is as of a date more than 90 days prior to the date of
receipt of such applicants' request, the Trustee shall promptly request from the
Certificate Registrar a current list as provided above, and shall afford such
applicants access to such list promptly upon receipt.
Every Certificateholder, by receiving and holding such list, agrees
with the Certificate Registrar and the Trustee that neither the Certificate
Registrar nor the Trustee shall be held accountable by reason of the disclosure
of any such information as to the names and addresses of the Certificateholders
hereunder, regardless of the source from which such information was derived.
Section 11.09 Recharacterization. The parties to this Agreement
intend the conveyance by the Depositor to the Trustee of all of its right, title
and interest in and to the Mortgage Loans pursuant to this Agreement to
constitute a purchase and sale and not a loan. Notwithstanding the foregoing, to
the extent that such conveyance is held not to constitute a sale under
applicable law, it is intended that this Agreement shall constitute a security
agreement under applicable law and that the Depositor shall be deemed to have
granted to the Trustee a first priority security interest in all of the
Depositor's right, title and interest in and to the Mortgage Loans.
<PAGE>
IN WITNESS WHEREOF, the Depositor, the Servicers and the Trustee
have caused this Agreement to be duly executed by their respective officers
thereunto duly authorized to be hereunto affixed, all as of the day and year
first above written.
BANK OF AMERICA MORTGAGE SECURITIES, INC.,
as Depositor
By:________________________________________
Name: Sharon Joseph
Title: Vice President
NATIONSBANC MORTGAGE CORPORATION,
as Servicer
By:________________________________________
Name: Robert J. Debenedet
Title: Vice President
BANK OF AMERICA, FSB,
as Servicer
By:________________________________________
Name: Russell Thompson
Title: Vice President
THE BANK OF NEW YORK,
as Trustee
By:________________________________________
Name: Kelly Sheahan
Title: Assistant Vice President
<PAGE>
STATE OF NEW YORK )
) ss.:
COUNTY OF NEW YORK )
)
On the 25th day of May, 1999, before me, a notary public in and for
the State of New York, personally appeared Kelly Sheahan, known to me who, being
by me duly sworn, did depose and say that she is an Assistant Vice President of
The Bank of New York, a New York banking corporation, one of the parties that
executed the foregoing instrument; and that she signed her name thereto by order
of the Board of Directors of such corporation.
---------------------------------------
Notary Public
[Notarial Seal]
My commission expires ____________.
<PAGE>
STATE OF NORTH CAROLINA )
) ss.:
COUNTY OF MECKLENBURG )
)
On the 25th day of May, 1999, before me, a notary public in and for
the State of North Carolina, personally appeared Robert J. Debenedet, known to
me who, being by me duly sworn, did depose and say that he is a Vice President
of NationsBanc Mortgage Corporation, a Texas corporation, one of the parties
that executed the foregoing instrument; and that he signed his name thereto by
order of the Board of Directors of such corporation.
---------------------------------------
Notary Public
[Notarial Seal]
My commission expires ____________.
<PAGE>
STATE OF NEW YORK )
) ss.:
COUNTY OF NEW YORK )
)
On the 25th day of May, 1999, before me, a notary public in and for
the State of New York, personally appeared Russell Thompson, known to me who,
being by me duly sworn, did depose and say that he is an Vice President of Bank
of America, FSB, a federal savings bank, one of the parties that executed the
foregoing instrument; and that he signed his name thereto by order of the Board
of Directors of such corporation.
---------------------------------------
Notary Public
[Notarial Seal]
My commission expires ____________.
<PAGE>
STATE OF NEW YORK )
) ss.:
COUNTY OF NEW YORK )
)
On the 25th day of May, 1999, before me, a notary public in and for
the State of New York, personally appeared Sharon Joseph, known to me who, being
by me duly sworn, did depose and say that she is the Vice President of Bank of
America Mortgage Securities, Inc. a Delaware corporation, one of the parties
that executed the foregoing instrument; and that she signed her name thereto by
order of the Board of Directors of such corporation.
---------------------------------------
Notary Public
[Notarial Seal]
My commission expires ____________.
<PAGE>
EXHIBIT A-1
[FORM OF FACE OF CLASS A-1 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-1
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY
AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN.
ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE
LESS THAN THE AMOUNT SET FORTH BELOW.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-1
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: May 1, 1999
First Distribution Date: June 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $162,243,000.00
Pass-Through Rate: 6.500%
CUSIP No.: 060506 DQ 2
This certifies that _____________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated May 25, 1999 (the "Pooling
and Servicing Agreement"), among the Depositor, NationsBanc Mortgage
Corporation, as servicer, Bank of America, FSB, as servicer (together with
NationsBanc Mortgage Corporation, the "Servicers"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicers or the
Trustee referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
<PAGE>
EXHIBIT A-2
[FORM OF FACE OF CLASS A-2 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-2
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY
AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN.
ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE
LESS THAN THE AMOUNT SET FORTH BELOW.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-2
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: May 1, 1999
First Distribution Date: June 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $153,000,000.00
Pass-Through Rate: 6.500%
CUSIP No.: 060506 DR 0
This certifies that ________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated May 25, 1999 (the "Pooling
and Servicing Agreement"), among the Depositor, NationsBanc Mortgage
Corporation, as servicer, Bank of America, FSB, as servicer (together with
NationsBanc Mortgage Corporation, the "Servicers"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicers or the
Trustee referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
<PAGE>
EXHIBIT A-3
[FORM OF FACE OF CLASS A-3 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-3
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY
AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN.
ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE
LESS THAN THE AMOUNT SET FORTH BELOW.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-3
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: May 1, 1999
First Distribution Date: June 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $124,054,000.00
Pass-Through Rate: 6.500%
CUSIP No.: 060506 DS 8
This certifies that ______________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated May 25, 1999 (the "Pooling
and Servicing Agreement"), among the Depositor, NationsBanc Mortgage
Corporation, as servicer, Bank of America, FSB, as servicer (together with
NationsBanc Mortgage Corporation, the "Servicers"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicers or the
Trustee referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
<PAGE>
EXHIBIT A-4
[FORM OF FACE OF CLASS A-4 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-4
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY
AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN.
ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE
LESS THAN THE AMOUNT SET FORTH BELOW.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-4
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: May 1, 1999
First Distribution Date: June 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $60,000,000.00
Pass-Through Rate: 6.500%
CUSIP No.: 060506 DT 6
This certifies that ________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated May 25, 1999 (the "Pooling
and Servicing Agreement"), among the Depositor, NationsBanc Mortgage
Corporation, as servicer, Bank of America, FSB, as servicer (together with
NationsBanc Mortgage Corporation, the "Servicers"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicers or the
Trustee referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
<PAGE>
EXHIBIT A-5
[FORM OF FACE OF CLASS A-5 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-5
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY
AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN.
ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE
LESS THAN THE AMOUNT SET FORTH BELOW.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-5
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: May 1, 1999
First Distribution Date: June 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $3,282,000.00
Pass-Through Rate: 6.750%
CUSIP No.: 060506 DU 3
This certifies that _______________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated May 25, 1999 (the "Pooling
and Servicing Agreement"), among the Depositor, NationsBanc Mortgage
Corporation, as servicer, Bank of America, FSB, as servicer (together with
NationsBanc Mortgage Corporation, the "Servicers"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicers or the
Trustee referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
<PAGE>
EXHIBIT A-6
[FORM OF FACE OF CLASS A-6 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-6
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY
AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN.
ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE
LESS THAN THE AMOUNT SET FORTH BELOW.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-6
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: May 1, 1999
First Distribution Date: June 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $4,224,000.00
Pass-Through Rate: 6.750%
CUSIP No.: 060506 DV 1
This certifies that _______________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated May 25, 1999 (the "Pooling
and Servicing Agreement"), among the Depositor, NationsBanc Mortgage
Corporation, as servicer, Bank of America, FSB, as servicer (together with
NationsBanc Mortgage Corporation, the "Servicers"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicers or the
Trustee referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
<PAGE>
EXHIBIT A-7
[FORM OF FACE OF CLASS A-7 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-7
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY
AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN.
ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE
LESS THAN THE AMOUNT SET FORTH BELOW.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-7
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: May 1, 1999
First Distribution Date: June 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $1,431,000.00
Pass-Through Rate: 6.750%
CUSIP No.: 060506 DW 9
This certifies that _______________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated May 25, 1999 (the "Pooling
and Servicing Agreement"), among the Depositor, NationsBanc Mortgage
Corporation, as servicer, Bank of America, FSB, as servicer (together with
NationsBanc Mortgage Corporation, the "Servicers"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicers or the
Trustee referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
<PAGE>
EXHIBIT A-8
[FORM OF FACE OF CLASS A-8 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-8
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY
AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN.
ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE
LESS THAN THE AMOUNT SET FORTH BELOW.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-8
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: May 1, 1999
First Distribution Date: June 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $2,950,000.00
Pass-Through Rate: 6.750%
CUSIP No.: 060506 DX 7
This certifies that ______________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated May 25, 1999 (the "Pooling
and Servicing Agreement"), among the Depositor, NationsBanc Mortgage
Corporation, as servicer, Bank of America, FSB, as servicer (together with
NationsBanc Mortgage Corporation, the "Servicers"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicers or the
Trustee referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
<PAGE>
EXHIBIT A-9
[FORM OF FACE OF CLASS A-9 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-9
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY
AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN.
ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE
LESS THAN THE AMOUNT SET FORTH BELOW.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-9
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: May 1, 1999
First Distribution Date: June 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $3,113,000.00
Pass-Through Rate: 6.750%
CUSIP No.: 060506 DY 5
This certifies that _____________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated May 25, 1999 (the "Pooling
and Servicing Agreement"), among the Depositor, NationsBanc Mortgage
Corporation, as servicer, Bank of America, FSB, as servicer (together with
NationsBanc Mortgage Corporation, the "Servicers"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicers or the
Trustee referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
<PAGE>
EXHIBIT A-10
[FORM OF FACE OF CLASS A-10 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-10
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY
AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN.
ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE
LESS THAN THE AMOUNT SET FORTH BELOW.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-10
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: May 1, 1999
First Distribution Date: June 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $3,000,000.00
Pass-Through Rate: 7.000%
CUSIP No.: 060506 DZ 2
This certifies that ______________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated May 25, 1999 (the "Pooling
and Servicing Agreement"), among the Depositor, NationsBanc Mortgage
Corporation, as servicer, Bank of America, FSB, as servicer (together with
NationsBanc Mortgage Corporation, the "Servicers"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicers or the
Trustee referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
<PAGE>
EXHIBIT A-11
[FORM OF FACE OF CLASS A-11 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-11
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY
AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN.
ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE
LESS THAN THE AMOUNT SET FORTH BELOW.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-11
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: May 1, 1999
First Distribution Date: June 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $2,000,000.00
Pass-Through Rate: 7.000%
CUSIP No.: 060506 EA 6
This certifies that ____________ is the registered owner of the Percentage
Interest evidenced by this Certificate (obtained by dividing the Denomination of
this Certificate by the Initial Class Certificate Balance of the Class to which
this Certificate belongs) in certain monthly distributions with respect to a
Trust consisting primarily of the Mortgage Loans deposited by Bank of America
Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a
Pooling and Servicing Agreement, dated May 25, 1999 (the "Pooling and Servicing
Agreement"), among the Depositor, NationsBanc Mortgage Corporation, as servicer,
Bank of America, FSB, as servicer (together with NationsBanc Mortgage
Corporation, the "Servicers"), and The Bank of New York, as trustee (the
"Trustee"). To the extent not defined herein, the capitalized terms used herein
have the meanings assigned in the Pooling and Servicing Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicers or the
Trustee referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
<PAGE>
EXHIBIT A-12
[FORM OF FACE OF CLASS A-12 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-12
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY
AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN.
ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE
LESS THAN THE AMOUNT SET FORTH BELOW.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-12
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: May 1, 1999
First Distribution Date: June 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $5,000,000.00
Pass-Through Rate: 5.500%
CUSIP No.: 060506 EB 4
This certifies that _________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated May 25, 1999 (the "Pooling
and Servicing Agreement"), among the Depositor, NationsBanc Mortgage
Corporation, as servicer, Bank of America, FSB, as servicer (together with
NationsBanc Mortgage Corporation, the "Servicers"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicers or the
Trustee referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate is issued on May 25, 1999, and based on its issue price
of 89.61667%, including accrued interest, and a stated redemption price at
maturity equal to its initial principal balance, is issued with original issue
discount ("OID") for federal income tax purposes. Assuming that this Certificate
pays in accordance with projected cash flows reflecting the prepayment
assumption of 275% PSA (as defined in the Prospectus Supplement dated May 19,
1999 with respect to the offering of the Class A Certificates and the Class B-1,
Class B-2 and Class B-3 Certificates) used to price this Certificate: (i) the
amount of OID as a percentage of the initial principal balance of this
Certificate is approximately 10.38333333%; and (ii) the annual yield to maturity
of this Certificate, compounded monthly, is approximately 6.95%. There is no
short first accrual period.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
<PAGE>
EXHIBIT A-13
[FORM OF FACE OF CLASS A-13 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-13
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY
AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN.
ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE
LESS THAN THE AMOUNT SET FORTH BELOW.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-13
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: May 1, 1999
First Distribution Date: June 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $3,325,000.00
Pass-Through Rate: 7.000%
CUSIP No.: 060506 EC 2
This certifies that _________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated May 25, 1999 (the "Pooling
and Servicing Agreement"), among the Depositor, NationsBanc Mortgage
Corporation, as servicer, Bank of America, FSB, as servicer (together with
NationsBanc Mortgage Corporation, the "Servicers"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicers or the
Trustee referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
<PAGE>
EXHIBIT A-14
[FORM OF FACE OF CLASS A-14 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-14
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY
AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN.
ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE
LESS THAN THE AMOUNT SET FORTH BELOW.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-14
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: May 1, 1999
First Distribution Date: June 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $3,177,667.00
Pass-Through Rate: 7.000%
CUSIP No.: 060506 ED 0
This certifies that _________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated May 25, 1999 (the "Pooling
and Servicing Agreement"), among the Depositor, NationsBanc Mortgage
Corporation, as servicer, Bank of America, FSB, as servicer (together with
NationsBanc Mortgage Corporation, the "Servicers"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicers or the
Trustee referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
<PAGE>
EXHIBIT A-15
[FORM OF FACE OF CLASS A-15 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-15
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY
AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN.
ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE
LESS THAN THE AMOUNT SET FORTH BELOW.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-15
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: May 1, 1999
First Distribution Date: June 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $5,000,000.00
Pass-Through Rate: 6.250%
CUSIP No.: 060506 EE 8
This certifies that _________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated May 25, 1999 (the "Pooling
and Servicing Agreement"), among the Depositor, NationsBanc Mortgage
Corporation, as servicer, Bank of America, FSB, as servicer (together with
NationsBanc Mortgage Corporation, the "Servicers"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicers or the
Trustee referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate is issued on May 25, 1999, and based on its issue price
of 92.66667%, including accrued interest, and a stated redemption price at
maturity equal to its initial principal balance, is issued with original issue
discount ("OID") for federal income tax purposes. Assuming that this Certificate
pays in accordance with projected cash flows reflecting the prepayment
assumption of 275% PSA (as defined in the Prospectus Supplement dated May 19,
1999 with respect to the offering of the Class A Certificates and the Class B-1,
Class B-2 and Class B-3 Certificates) used to price this Certificate: (i) the
amount of OID as a percentage of the initial principal balance of this
Certificate is approximately 7.33333333%; and (ii) the annual yield to maturity
of this Certificate, compounded monthly, is approximately 7.29%. There is no
short first accrual period.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
<PAGE>
EXHIBIT A-16
[FORM OF FACE OF CLASS A-16 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-16
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY
AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN.
ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE
LESS THAN THE AMOUNT SET FORTH BELOW.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-16
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: May 1, 1999
First Distribution Date: June 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $5,938,000.00
Pass-Through Rate: 7.000%
CUSIP No.: 060506 EF 5
This certifies that _________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated May 25, 1999 (the "Pooling
and Servicing Agreement"), among the Depositor, NationsBanc Mortgage
Corporation, as servicer, Bank of America, FSB, as servicer (together with
NationsBanc Mortgage Corporation, the "Servicers"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicers or the
Trustee referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
<PAGE>
EXHIBIT A-17
[FORM OF FACE OF CLASS A-17 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-17
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY
AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN.
ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE
LESS THAN THE AMOUNT SET FORTH BELOW.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-17
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: May 1, 1999
First Distribution Date: June 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $3,160,000.00
Pass-Through Rate: 7.000%
CUSIP No.: 060506 EG 3
This certifies that _________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated May 25, 1999 (the "Pooling
and Servicing Agreement"), among the Depositor, NationsBanc Mortgage
Corporation, as servicer, Bank of America, FSB, as servicer (together with
NationsBanc Mortgage Corporation, the "Servicers"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicers or the
Trustee referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
<PAGE>
EXHIBIT A-18
[FORM OF FACE OF CLASS A-18 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-18
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY
AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN.
ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE
LESS THAN THE AMOUNT SET FORTH BELOW.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-18
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: May 1, 1999
First Distribution Date: June 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $2,513,904.00
Pass-Through Rate: 7.000%
CUSIP No.: 060506 EH 1
This certifies that _________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated May 25, 1999 (the "Pooling
and Servicing Agreement"), among the Depositor, NationsBanc Mortgage
Corporation, as servicer, Bank of America, FSB, as servicer (together with
NationsBanc Mortgage Corporation, the "Servicers"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicers or the
Trustee referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
<PAGE>
EXHIBIT A-19
[FORM OF FACE OF CLASS A-19 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-19
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY
AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN.
ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE
LESS THAN THE AMOUNT SET FORTH BELOW.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-19
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: May 1, 1999
First Distribution Date: June 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $1,393,429.00
CUSIP No.: 060506 EJ 7
This certifies that _________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated May 25, 1999 (the "Pooling
and Servicing Agreement"), among the Depositor, NationsBanc Mortgage
Corporation, as servicer, Bank of America, FSB, as servicer (together with
NationsBanc Mortgage Corporation, the "Servicers"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicers or the
Trustee referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
This Class A-19 Certificate represents the right to receive principal
only.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate is issued on May 25, 1999, at an issue price of 53.25000%
and a stated redemption price at maturity equal to its initial principal
balance, and is issued with original issue discount ("OID") for federal income
tax purposes. Assuming that this Certificate pays in accordance with projected
cash flows reflecting the prepayment assumption of 275% PSA (as defined in the
Prospectus Supplement dated May 19, 1999 with respect to the offering of the
Class A Certificates and the Class B-1, Class B-2 and Class B-3 Certificates)
used to price this Certificate: (i) the amount of OID as a percentage of the
initial principal balance of this Certificate is approximately 46.75000000%; and
(ii) the annual yield to maturity of this Certificate, compounded monthly, is
approximately 6.12%.
There is no short first accrual period.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
<PAGE>
EXHIBIT A-20
[FORM OF FACE OF CLASS A-20 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-20
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY
AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN.
ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE
LESS THAN THE AMOUNT SET FORTH BELOW.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-20
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: May 1, 1999
First Distribution Date: June 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $15,819,000.00
Pass-Through Rate: 6.500%
CUSIP No.: 060506 EV 0
This certifies that _________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated May 25, 1999 (the "Pooling
and Servicing Agreement"), among the Depositor, NationsBanc Mortgage
Corporation, as servicer, Bank of America, FSB, as servicer (together with
NationsBanc Mortgage Corporation, the "Servicers"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicers or the
Trustee referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
<PAGE>
EXHIBIT A-21
[FORM OF FACE OF CLASS A-21 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-21
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE").
UNTIL THE ACCRETION TERMINATION DATE, THE INTEREST THAT ACCRUES ON THE
CERTIFICATE BALANCE OF THIS CERTIFICATE WILL NOT BE PAYABLE. BECAUSE SUCH UNPAID
INTEREST IS ADDED TO THE CERTIFICATE BALANCE OF THIS CERTIFICATE AND BECAUSE
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN, THE
OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MORE OR LESS THAN THE
AMOUNT SET FORTH BELOW.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-21
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: May 1, 1999
First Distribution Date: June 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $10,898,000.00
Pass-Through Rate: 6.500%
CUSIP No.: 060506 EK 4
This certifies that _________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated May 25, 1999 (the "Pooling
and Servicing Agreement"), among the Depositor, NationsBanc Mortgage
Corporation, as servicer, Bank of America, FSB, as servicer (together with
NationsBanc Mortgage Corporation, the "Servicers"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicers or the
Trustee referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate is issued on May 25, 1999, at an issue price of
89.05833%, including accrued interest, and a stated redemption price at maturity
equal to the sum of its initial principal balance and all interest distributions
hereon (whether current or accrued), and is issued with original issue discount
("OID") for federal income tax purposes. Assuming that this Certificate pays in
accordance with projected cash flows reflecting the prepayment assumption of
275% PSA (as defined in the Prospectus Supplement dated May 19, 1999 with
respect to the offering of the Class A Certificates and the Class B-1, Class B-2
and Class B-3 Certificates) used to price this Certificate: (i) the amount of
OID as a percentage of the initial principal balance of this Certificate is
approximately 224.43205518%; and (ii) the annual yield to maturity of this
Certificate, compounded monthly, is approximately 7.17%. There is no short first
accrual period.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
<PAGE>
EXHIBIT A-22
[FORM OF FACE OF CLASS A-22 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-22
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY
AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN.
ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE
LESS THAN THE AMOUNT SET FORTH BELOW.
AFTER THE SENIOR CREDIT SUPPORT DEPLETION DATE, THE PRINCIPAL PORTION OF
REALIZED LOSSES, OTHER THAN EXCESS LOSSES, ALLOCATED TO THE CLASS A-21
CERTIFICATES WILL BE BORNE BY THE CLASS A-22 CERTIFICATES AS DESCRIBED IN THE
POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.
UNDER CURRENT LAW THE PURCHASE AND HOLDING OF THIS CERTIFICATE BY OR ON BEHALF
OF ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT
ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS
AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW ("SIMILAR LAW")
WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), MAY RESULT IN
"PROHIBITED TRANSACTIONS" WITHIN THE MEANING OF ERISA, THE CODE OR SIMILAR LAW.
TRANSFER OF THIS CERTIFICATE WILL NOT BE MADE UNLESS THE TRANSFEREE DELIVERS TO
THE TRUSTEE EITHER (I) A REPRESENTATION LETTER, IN FORM AND SUBSTANCE
SATISFACTORY TO THE TRUSTEE, STATING THAT (A) IT IS NOT, AND IS NOT ACTING ON
BEHALF OF, ANY SUCH PLAN OR USING THE ASSETS OF ANY SUCH PLAN TO EFFECT SUCH
PURCHASE OR (B) IF IT IS AN INSURANCE COMPANY, THAT THE SOURCE OF FUNDS USED TO
PURCHASE THIS CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (AS SUCH
TERM IS DEFINED IN SECTION V(E) OF PROHIBITED TRANSACTION CLASS EXEMPTION 95-60
("PTE 95-60"), 60 FED. REG. 35925 (JULY 12, 1995)), THERE IS NO PLAN WITH
RESPECT TO WHICH THE AMOUNT OF SUCH GENERAL ACCOUNT'S RESERVES AND LIABILITIES
FOR THE CONTRACT(S) HELD BY OR ON BEHALF OF SUCH PLAN AND ALL OTHER PLANS
MAINTAINED BY THE SAME EMPLOYER (OR AFFILIATE THEREOF AS DEFINED IN SECTION
V(A)(1) OF PTE 95-60) OR BY THE SAME EMPLOYEE ORGANIZATION EXCEEDS 10% OF THE
TOTAL OF ALL RESERVES AND LIABILITIES OF SUCH GENERAL ACCOUNT (AS SUCH AMOUNTS
ARE DETERMINED UNDER SECTION I(A) OF PTE 95-60) AT THE DATE OF ACQUISITION AND
ALL PLANS THAT HAVE AN INTEREST IN SUCH GENERAL ACCOUNT ARE PLANS TO WHICH PTE
95-60 APPLIES, OR (II) AN OPINION OF COUNSEL, IN FORM AND SUBSTANCE SATISFACTORY
TO THE TRUSTEE AND THE SERVICERS, TO THE EFFECT THAT THE PURCHASE OR HOLDING OF
THIS CERTIFICATE BY OR ON BEHALF OF SUCH PLAN WILL NOT RESULT IN THE ASSETS OF
THE TRUST BEING DEEMED TO BE "PLAN ASSETS" AND SUBJECT TO THE PROHIBITED
TRANSACTION PROVISIONS OF ERISA, THE CODE OR SIMILAR LAW AND WILL NOT SUBJECT
THE DEPOSITOR, THE SERVICERS OR THE TRUSTEE TO ANY OBLIGATION IN ADDITION TO
THOSE UNDERTAKEN IN THE POOLING AND SERVICING AGREEMENT. EACH PERSON WHO
ACQUIRES THIS CERTIFICATE OR ANY INTEREST THEREIN SHALL BE DEEMED TO HAVE MADE
THE REPRESENTATIONS REQUIRED BY THE REPRESENTATION LETTER REFERRED TO IN THE
PRECEDING SENTENCE, UNLESS SUCH PERSON SHALL HAVE PROVIDED SUCH REPRESENTATION
LETTER OR THE OPINION OF COUNSEL REFERRED TO IN THE PRECEDING SENTENCE TO THE
TRUSTEE. THE POOLING AND SERVICING AGREEMENT PROVIDES THAT ANY ATTEMPTED OR
PURPORTED TRANSFER IN VIOLATION OF THESE TRANSFER RESTRICTIONS WILL BE NULL AND
VOID AND WILL VEST NO RIGHTS IN ANY PURPORTED TRANSFEREE.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-22
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: May 1, 1999
First Distribution Date: June 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $100,000.00
Pass-Through Rate: 6.500%
CUSIP No.: 060506 EL 2
This certifies that _________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated May 25, 1999 (the "Pooling
and Servicing Agreement"), among the Depositor, NationsBanc Mortgage
Corporation, as servicer, Bank of America, FSB, as servicer (together with
NationsBanc Mortgage Corporation, the "Servicers"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicers or the
Trustee referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
<PAGE>
EXHIBIT A-PO
[FORM OF FACE OF CLASS A-PO CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-PO
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY
AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN.
ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE
LESS THAN THE AMOUNT SET FORTH BELOW.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-PO
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: May 1, 1999
First Distribution Date: June 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $742,601.00
CUSIP No.: 060506 EM 0
This certifies that ______________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated May 25, 1999 (the "Pooling
and Servicing Agreement"), among the Depositor, NationsBanc Mortgage
Corporation, as servicer, Bank of America, FSB, as servicer (together with
NationsBanc Mortgage Corporation, the "Servicers"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicers or the
Trustee referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
This Class A-PO Certificate represents the right to receive principal
only.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate is issued on May 25, 1999, at an issue price of 63.50000%
and a stated redemption price at maturity equal to its initial principal
balance, and is issued with original issue discount ("OID") for federal income
tax purposes. Assuming that this Certificate pays in accordance with projected
cash flows reflecting the prepayment assumption of 275% PSA (as defined in the
Prospectus Supplement dated May 19, 1999 with respect to the offering of the
Class A Certificates and the Class B-1, Class B-2 and Class B-3 Certificates)
used to price this Certificate: (i) the amount of OID as a percentage of the
initial principal balance of this Certificate is approximately 36.50000000%; and
(ii) the annual yield to maturity of this Certificate, compounded monthly, is
approximately 8.62%.
There is no short first accrual period.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
<PAGE>
EXHIBIT A-R
[FORM OF FACE OF CLASS A-R CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-R
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "RESIDUAL
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE").
THIS CLASS A-R CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY
EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT
ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS
AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW WHICH IS SIMILAR
TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), OR A PERSON ACTING ON BEHALF OF
OR INVESTING ASSETS OF A PLAN.
TRANSFER OF THIS CERTIFICATE IS SUBJECT TO CERTAIN TAX RELATED TRANSFER
RESTRICTIONS DESCRIBED HEREIN AND IN THE POOLING AND SERVICING AGREEMENT. ANY
ATTEMPTED OR PURPORTED TRANSFER OF THIS RESIDUAL CERTIFICATE IN VIOLATION OF
SUCH RESTRICTIONS SHALL BE ABSOLUTELY NULL AND VOID AND SHALL VEST NO RIGHTS IN
THE PURPORTED TRANSFEREE.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class A-R
evidencing a 100% Percentage Interest in the distributions allocable to the
Certificate of the above-referenced Class with respect to a Trust consisting
primarily of a pool of mortgage loans (the "Mortgage Loans") secured by first
liens on one- to four-family residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: May 1, 1999
First Distribution Date: June 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $100.00
Initial Class Certificate
Balances of this Class: $100.00
Pass-Through Rate: 6.500%
CUSIP No.: 060506 EN 8
This certifies that _____________________ is the registered owner of 100%
Percentage Interest evidenced by this Certificate in certain monthly
distributions with respect to a Trust consisting of the Mortgage Loans deposited
by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was
created pursuant to a Pooling and Servicing Agreement, dated May 25, 1999 (the
"Pooling and Servicing Agreement"), among the Depositor, NationsBanc Mortgage
Corporation, as servicer, Bank of America, FSB, as servicer (together with
NationsBanc Mortgage Corporation, the "Servicers"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicers or the
Trustee referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Any distribution of the proceeds of any remaining assets of the
Certificate Account will be made only upon presentment and surrender of this
Class A-R Certificate at the Corporate Trust Office.
Each Person who has or who acquires this Class A-R Certificate shall be
deemed by the acceptance or acquisition thereof to have agreed to be bound by
the following provisions and the rights of each Person acquiring this Class A-R
Certificate are expressly subject to the following provisions: (i) each Person
holding or acquiring this Class A-R Certificate shall be a Permitted Transferee
and shall promptly notify the Trustee of any change or impending change in its
status as a Permitted Transferee; (ii) no Person shall acquire an ownership
interest in this Class A-R Certificate unless such ownership interest is a pro
rata undivided interest; (iii) in connection with any proposed transfer of this
Class A-R Certificate, the Trustee shall require delivery to it, in form and
substance satisfactory to it, of an affidavit in the form of Exhibit I to the
Pooling and Servicing Agreement; (iv) notwithstanding the delivery of an
affidavit by a proposed transferee under clause (iii) above, if a Responsible
Officer of the Trustee has actual knowledge that the proposed transferee is not
a Permitted Transferee, no transfer of any Ownership Interest in this Residual
Certificate to such proposed transferee shall be effected; (v) this Residual
Certificate may not be purchased by or transferred to any Person that is not a
U.S. Person, unless (A) such Person holds this Residual Certificate in
connection with the conduct of a trade or business within the United States and
furnishes the transferor and the Trustee with an effective Internal Revenue
Service Form 4224 or (B) the transferee delivers to both the transferor and the
Trustee an Opinion of Counsel from a nationally-recognized tax counsel to the
effect that such transfer is in accordance with the requirements of the Code and
the regulations promulgated thereunder and that such transfer of this Residual
Certificate will not be disregarded for federal income tax purposes; (vi) any
attempted or purported transfer of this Class A-R Certificate in violation of
the provisions of such restrictions shall be absolutely null and void and shall
vest no rights in the purported transferee; and (vii) if any Person other than a
Permitted Transferee acquires the Class A-R Certificate in violation of such
restrictions, then the Trustee, based on information provided to the Trustee by
the Servicers, will provide to the Internal Revenue Service, and to the Persons
specified in Section 860E(e)(3) and (6) of the Code, information needed to
compute the tax imposed under Section 860E(e) of the Code on transfers of
residual interests to disqualified organizations.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
<PAGE>
EXHIBIT B-1
[FORM OF FACE OF CLASS B-1 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class B-1
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY
AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.
ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE
LESS THAN THE AMOUNT SET FORTH BELOW.
THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A CERTIFICATES
AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT.
UNDER CURRENT LAW THE PURCHASE AND HOLDING OF THIS CERTIFICATE BY OR ON BEHALF
OF ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT
ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS
AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW ("SIMILAR LAW")
WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), MAY RESULT IN
"PROHIBITED TRANSACTIONS" WITHIN THE MEANING OF ERISA, THE CODE OR SIMILAR LAW.
TRANSFER OF THIS CERTIFICATE WILL NOT BE MADE UNLESS THE TRANSFEREE DELIVERS TO
THE TRUSTEE EITHER (I) A REPRESENTATION LETTER, IN FORM AND SUBSTANCE
SATISFACTORY TO THE TRUSTEE, STATING THAT (A) IT IS NOT, AND IS NOT ACTING ON
BEHALF OF, ANY SUCH PLAN OR USING THE ASSETS OF ANY SUCH PLAN TO EFFECT SUCH
PURCHASE OR (B) IF IT IS AN INSURANCE COMPANY, THAT THE SOURCE OF FUNDS USED TO
PURCHASE THIS CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (AS SUCH
TERM IS DEFINED IN SECTION V(E) OF PROHIBITED TRANSACTION CLASS EXEMPTION 95-60
("PTE 95-60"), 60 FED. REG. 35925 (JULY 12, 1995)), THERE IS NO PLAN WITH
RESPECT TO WHICH THE AMOUNT OF SUCH GENERAL ACCOUNT'S RESERVES AND LIABILITIES
FOR THE CONTRACT(S) HELD BY OR ON BEHALF OF SUCH PLAN AND ALL OTHER PLANS
MAINTAINED BY THE SAME EMPLOYER (OR AFFILIATE THEREOF AS DEFINED IN SECTION
V(A)(1) OF PTE 95-60) OR BY THE SAME EMPLOYEE ORGANIZATION EXCEEDS 10% OF THE
TOTAL OF ALL RESERVES AND LIABILITIES OF SUCH GENERAL ACCOUNT (AS SUCH AMOUNTS
ARE DETERMINED UNDER SECTION I(A) OF PTE 95-60) AT THE DATE OF ACQUISITION AND
ALL PLANS THAT HAVE AN INTEREST IN SUCH GENERAL ACCOUNT ARE PLANS TO WHICH PTE
95-60 APPLIES, OR (II) AN OPINION OF COUNSEL, IN FORM AND SUBSTANCE SATISFACTORY
TO THE TRUSTEE AND THE SERVICERS, TO THE EFFECT THAT THE PURCHASE OR HOLDING OF
THIS CERTIFICATE BY OR ON BEHALF OF SUCH PLAN WILL NOT RESULT IN THE ASSETS OF
THE TRUST BEING DEEMED TO BE "PLAN ASSETS" AND SUBJECT TO THE PROHIBITED
TRANSACTION PROVISIONS OF ERISA, THE CODE OR SIMILAR LAW AND WILL NOT SUBJECT
THE DEPOSITOR, THE SERVICERS OR THE TRUSTEE TO ANY OBLIGATION IN ADDITION TO
THOSE UNDERTAKEN IN THE POOLING AND SERVICING AGREEMENT. EACH PERSON WHO
ACQUIRES THIS CERTIFICATE OR ANY INTEREST THEREIN SHALL BE DEEMED TO HAVE MADE
THE REPRESENTATIONS REQUIRED BY THE REPRESENTATION LETTER REFERRED TO IN THE
PRECEDING SENTENCE, UNLESS SUCH PERSON SHALL HAVE PROVIDED SUCH REPRESENTATION
LETTER OR THE OPINION OF COUNSEL REFERRED TO IN THE PRECEDING SENTENCE TO THE
TRUSTEE. THE POOLING AND SERVICING AGREEMENT PROVIDES THAT ANY ATTEMPTED OR
PURPORTED TRANSFER IN VIOLATION OF THESE TRANSFER RESTRICTIONS WILL BE NULL AND
VOID AND WILL VEST NO RIGHTS IN ANY PURPORTED TRANSFEREE.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class B-1
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: May 1, 1999
First Distribution Date: June 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $12,909,000.00
Pass-Through Rate: 6.500%
CUSIP No.: 060506 EP 3
This certifies that _________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated May 25, 1999 (the "Pooling
and Servicing Agreement"), among the Depositor, NationsBanc Mortgage
Corporation, as servicer, Bank of America, FSB, as servicer (together with
NationsBanc Mortgage Corporation, the "Servicers"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicers or the
Trustee referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate is issued on May 25, 1999, and based on its issue price
of 95.99583%, including accrued interest, and a stated redemption price at
maturity equal to its initial principal balance, is issued with original issue
discount ("OID") for federal income tax purposes. Assuming that this Certificate
pays in accordance with projected cash flows reflecting the prepayment
assumption of 275% PSA (as defined in the Prospectus Supplement dated May 19,
1999 with respect to the offering of the Class A Certificates and the Class B-1,
Class B-2 and Class B-3 Certificates) used to price this Certificate: (i) the
amount of OID as a percentage of the initial principal balance of this
Certificate is approximately 4.00416667%; and (ii) the annual yield to maturity
of this Certificate, compounded monthly, is approximately 7.06%. There is no
short first accrual period.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
<PAGE>
EXHIBIT B-2
[FORM OF FACE OF CLASS B-2 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class B-2
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY
AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.
ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE
LESS THAN THE AMOUNT SET FORTH BELOW.
THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A AND CLASS
B-1 CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT.
UNDER CURRENT LAW THE PURCHASE AND HOLDING OF THIS CERTIFICATE BY OR ON BEHALF
OF ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT
ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS
AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW ("SIMILAR LAW")
WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), MAY RESULT IN
"PROHIBITED TRANSACTIONS" WITHIN THE MEANING OF ERISA, THE CODE OR SIMILAR LAW.
TRANSFER OF THIS CERTIFICATE WILL NOT BE MADE UNLESS THE TRANSFEREE DELIVERS TO
THE TRUSTEE EITHER (I) A REPRESENTATION LETTER, IN FORM AND SUBSTANCE
SATISFACTORY TO THE TRUSTEE, STATING THAT (A) IT IS NOT, AND IS NOT ACTING ON
BEHALF OF, ANY SUCH PLAN OR USING THE ASSETS OF ANY SUCH PLAN TO EFFECT SUCH
PURCHASE OR (B) IF IT IS AN INSURANCE COMPANY, THAT THE SOURCE OF FUNDS USED TO
PURCHASE THIS CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (AS SUCH
TERM IS DEFINED IN SECTION V(E) OF PROHIBITED TRANSACTION CLASS EXEMPTION 95-60
("PTE 95-60"), 60 FED. REG. 35925 (JULY 12, 1995)), THERE IS NO PLAN WITH
RESPECT TO WHICH THE AMOUNT OF SUCH GENERAL ACCOUNT'S RESERVES AND LIABILITIES
FOR THE CONTRACT(S) HELD BY OR ON BEHALF OF SUCH PLAN AND ALL OTHER PLANS
MAINTAINED BY THE SAME EMPLOYER (OR AFFILIATE THEREOF AS DEFINED IN SECTION
V(A)(1) OF PTE 95-60) OR BY THE SAME EMPLOYEE ORGANIZATION EXCEEDS 10% OF THE
TOTAL OF ALL RESERVES AND LIABILITIES OF SUCH GENERAL ACCOUNT (AS SUCH AMOUNTS
ARE DETERMINED UNDER SECTION I(A) OF PTE 95-60) AT THE DATE OF ACQUISITION AND
ALL PLANS THAT HAVE AN INTEREST IN SUCH GENERAL ACCOUNT ARE PLANS TO WHICH PTE
95-60 APPLIES, OR (II) AN OPINION OF COUNSEL, IN FORM AND SUBSTANCE SATISFACTORY
TO THE TRUSTEE AND THE SERVICERS, TO THE EFFECT THAT THE PURCHASE OR HOLDING OF
THIS CERTIFICATE BY OR ON BEHALF OF SUCH PLAN WILL NOT RESULT IN THE ASSETS OF
THE TRUST BEING DEEMED TO BE "PLAN ASSETS" AND SUBJECT TO THE PROHIBITED
TRANSACTION PROVISIONS OF ERISA, THE CODE OR SIMILAR LAW AND WILL NOT SUBJECT
THE DEPOSITOR, THE SERVICERS OR THE TRUSTEE TO ANY OBLIGATION IN ADDITION TO
THOSE UNDERTAKEN IN THE POOLING AND SERVICING AGREEMENT. EACH PERSON WHO
ACQUIRES THIS CERTIFICATE OR ANY INTEREST THEREIN SHALL BE DEEMED TO HAVE MADE
THE REPRESENTATIONS REQUIRED BY THE REPRESENTATION LETTER REFERRED TO IN THE
PRECEDING SENTENCE, UNLESS SUCH PERSON SHALL HAVE PROVIDED SUCH REPRESENTATION
LETTER OR THE OPINION OF COUNSEL REFERRED TO IN THE PRECEDING SENTENCE TO THE
TRUSTEE. THE POOLING AND SERVICING AGREEMENT PROVIDES THAT ANY ATTEMPTED OR
PURPORTED TRANSFER IN VIOLATION OF THESE TRANSFER RESTRICTIONS WILL BE NULL AND
VOID AND WILL VEST NO RIGHTS IN ANY PURPORTED TRANSFEREE.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class B-2
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: May 1, 1999
First Distribution Date: June 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balances of this Class: $4,503,000.00
Pass-Through Rate: 6.500%
CUSIP No.: 060506 EQ 1
This certifies that _________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated May 25, 1999 (the "Pooling
and Servicing Agreement"), among the Depositor, NationsBanc Mortgage
Corporation, as servicer, Bank of America, FSB, as servicer (together with
NationsBanc Mortgage Corporation, the "Servicers"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicers or the
Trustee referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate is issued on May 25, 1999, and based on its issue price
of 94.68333%, including accrued interest, and a stated redemption price at
maturity equal to its initial principal balance, is issued with original issue
discount ("OID") for federal income tax purposes. Assuming that this Certificate
pays in accordance with projected cash flows reflecting the prepayment
assumption of 275% PSA (as defined in the Prospectus Supplement dated May 19,
1999 with respect to the offering of the Class A Certificates and the Class B-1,
Class B-2 and Class B-3 Certificates) used to price this Certificate: (i) the
amount of OID as a percentage of the initial principal balance of this
Certificate is approximately 5.31666667%; and (ii) the annual yield to maturity
of this Certificate, compounded monthly, is approximately 7.25%. There is no
short first accrual period.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
<PAGE>
EXHIBIT B-3
[FORM OF FACE OF CLASS B-3 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class B-3
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY
AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.
ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE
LESS THAN THE AMOUNT SET FORTH BELOW.
THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A, CLASS B-1
AND CLASS B-2 CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT.
UNDER CURRENT LAW THE PURCHASE AND HOLDING OF THIS CERTIFICATE BY OR ON BEHALF
OF ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT
ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS
AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW ("SIMILAR LAW")
WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), MAY RESULT IN
"PROHIBITED TRANSACTIONS" WITHIN THE MEANING OF ERISA, THE CODE OR SIMILAR LAW.
TRANSFER OF THIS CERTIFICATE WILL NOT BE MADE UNLESS THE TRANSFEREE DELIVERS TO
THE TRUSTEE EITHER (I) A REPRESENTATION LETTER, IN FORM AND SUBSTANCE
SATISFACTORY TO THE TRUSTEE, STATING THAT (A) IT IS NOT, AND IS NOT ACTING ON
BEHALF OF, ANY SUCH PLAN OR USING THE ASSETS OF ANY SUCH PLAN TO EFFECT SUCH
PURCHASE OR (B) IF IT IS AN INSURANCE COMPANY, THAT THE SOURCE OF FUNDS USED TO
PURCHASE THIS CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (AS SUCH
TERM IS DEFINED IN SECTION V(E) OF PROHIBITED TRANSACTION CLASS EXEMPTION 95-60
("PTE 95-60"), 60 FED. REG. 35925 (JULY 12, 1995)), THERE IS NO PLAN WITH
RESPECT TO WHICH THE AMOUNT OF SUCH GENERAL ACCOUNT'S RESERVES AND LIABILITIES
FOR THE CONTRACT(S) HELD BY OR ON BEHALF OF SUCH PLAN AND ALL OTHER PLANS
MAINTAINED BY THE SAME EMPLOYER (OR AFFILIATE THEREOF AS DEFINED IN SECTION
V(A)(1) OF PTE 95-60) OR BY THE SAME EMPLOYEE ORGANIZATION EXCEEDS 10% OF THE
TOTAL OF ALL RESERVES AND LIABILITIES OF SUCH GENERAL ACCOUNT (AS SUCH AMOUNTS
ARE DETERMINED UNDER SECTION I(A) OF PTE 95-60) AT THE DATE OF ACQUISITION AND
ALL PLANS THAT HAVE AN INTEREST IN SUCH GENERAL ACCOUNT ARE PLANS TO WHICH PTE
95-60 APPLIES, OR (II) AN OPINION OF COUNSEL, IN FORM AND SUBSTANCE SATISFACTORY
TO THE TRUSTEE AND THE SERVICERS, TO THE EFFECT THAT THE PURCHASE OR HOLDING OF
THIS CERTIFICATE BY OR ON BEHALF OF SUCH PLAN WILL NOT RESULT IN THE ASSETS OF
THE TRUST BEING DEEMED TO BE "PLAN ASSETS" AND SUBJECT TO THE PROHIBITED
TRANSACTION PROVISIONS OF ERISA, THE CODE OR SIMILAR LAW AND WILL NOT SUBJECT
THE DEPOSITOR, THE SERVICERS OR THE TRUSTEE TO ANY OBLIGATION IN ADDITION TO
THOSE UNDERTAKEN IN THE POOLING AND SERVICING AGREEMENT. EACH PERSON WHO
ACQUIRES THIS CERTIFICATE OR ANY INTEREST THEREIN SHALL BE DEEMED TO HAVE MADE
THE REPRESENTATIONS REQUIRED BY THE REPRESENTATION LETTER REFERRED TO IN THE
PRECEDING SENTENCE, UNLESS SUCH PERSON SHALL HAVE PROVIDED SUCH REPRESENTATION
LETTER OR THE OPINION OF COUNSEL REFERRED TO IN THE PRECEDING SENTENCE TO THE
TRUSTEE. THE POOLING AND SERVICING AGREEMENT PROVIDES THAT ANY ATTEMPTED OR
PURPORTED TRANSFER IN VIOLATION OF THESE TRANSFER RESTRICTIONS WILL BE NULL AND
VOID AND WILL VEST NO RIGHTS IN ANY PURPORTED TRANSFEREE.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class B-3
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: May 1, 1999
First Distribution Date: June 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balances of this Class: $2,102,000.00
Pass-Through Rate: 6.500%
CUSIP No.: 060506 ER 9
This certifies that _________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated May 25, 1999 (the "Pooling
and Servicing Agreement"), among the Depositor, NationsBanc Mortgage
Corporation, as servicer, Bank of America, FSB, as servicer (together with
NationsBanc Mortgage Corporation, the "Servicers"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicers or the
Trustee referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate is issued on May 25, 1999, and based on its issue price
of 88.66771%, including accrued interest, and a stated redemption price at
maturity equal to its initial principal balance, is issued with original issue
discount ("OID") for federal income tax purposes. Assuming that this Certificate
pays in accordance with projected cash flows reflecting the prepayment
assumption of 275% PSA (as defined in the Prospectus Supplement dated May 19,
1999 with respect to the offering of the Class A Certificates and the Class B-1,
Class B-2 and Class B-3 Certificates) used to price this Certificate: (i) the
amount of OID as a percentage of the initial principal balance of this
Certificate is approximately 11.33229167%; and (ii) the annual yield to maturity
of this Certificate, compounded monthly, is approximately 8.17%. There is no
short first accrual period.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
<PAGE>
EXHIBIT B-4
[FORM OF FACE OF CLASS B-4 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class B-4
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY
AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.
ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE
LESS THAN THE AMOUNT SET FORTH BELOW.
THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A, CLASS B-1,
CLASS B-2 AND CLASS B-3 CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING
AGREEMENT.
THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS
AMENDED (THE "1933 ACT"). ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT
REGISTRATION THEREOF UNDER THE 1933 ACT MAY ONLY BE MADE IN A TRANSACTION
EXEMPTED FROM THE REGISTRATION REQUIREMENTS OF THE 1933 ACT AND IN ACCORDANCE
WITH THE PROVISIONS OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.
UNDER CURRENT LAW THE PURCHASE AND HOLDING OF THIS CERTIFICATE BY OR ON BEHALF
OF ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT
ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS
AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW ("SIMILAR LAW")
WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), MAY RESULT IN
"PROHIBITED TRANSACTIONS" WITHIN THE MEANING OF ERISA, THE CODE OR SIMILAR LAW.
TRANSFER OF THIS CERTIFICATE WILL NOT BE MADE UNLESS THE TRANSFEREE DELIVERS TO
THE TRUSTEE EITHER (I) A REPRESENTATION LETTER, IN FORM AND SUBSTANCE
SATISFACTORY TO THE TRUSTEE, STATING THAT (A) IT IS NOT, AND IS NOT ACTING ON
BEHALF OF, ANY SUCH PLAN OR USING THE ASSETS OF ANY SUCH PLAN TO EFFECT SUCH
PURCHASE OR (B) IF IT IS AN INSURANCE COMPANY, THAT THE SOURCE OF FUNDS USED TO
PURCHASE THIS CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (AS SUCH
TERM IS DEFINED IN SECTION V(E) OF PROHIBITED TRANSACTION CLASS EXEMPTION 95-60
("PTE 95-60"), 60 FED. REG. 35925 (JULY 12, 1995)), THERE IS NO PLAN WITH
RESPECT TO WHICH THE AMOUNT OF SUCH GENERAL ACCOUNT'S RESERVES AND LIABILITIES
FOR THE CONTRACT(S) HELD BY OR ON BEHALF OF SUCH PLAN AND ALL OTHER PLANS
MAINTAINED BY THE SAME EMPLOYER (OR AFFILIATE THEREOF AS DEFINED IN SECTION
V(A)(1) OF PTE 95-60) OR BY THE SAME EMPLOYEE ORGANIZATION EXCEEDS 10% OF THE
TOTAL OF ALL RESERVES AND LIABILITIES OF SUCH GENERAL ACCOUNT (AS SUCH AMOUNTS
ARE DETERMINED UNDER SECTION I(A) OF PTE 95-60) AT THE DATE OF ACQUISITION AND
ALL PLANS THAT HAVE AN INTEREST IN SUCH GENERAL ACCOUNT ARE PLANS TO WHICH PTE
95-60 APPLIES, OR (II) AN OPINION OF COUNSEL, IN FORM AND SUBSTANCE SATISFACTORY
TO THE TRUSTEE AND THE SERVICERS, TO THE EFFECT THAT THE PURCHASE OR HOLDING OF
THIS CERTIFICATE BY OR ON BEHALF OF SUCH PLAN WILL NOT RESULT IN THE ASSETS OF
THE TRUST BEING DEEMED TO BE "PLAN ASSETS" AND SUBJECT TO THE PROHIBITED
TRANSACTION PROVISIONS OF ERISA, THE CODE OR SIMILAR LAW AND WILL NOT SUBJECT
THE DEPOSITOR, THE SERVICERS OR THE TRUSTEE TO ANY OBLIGATION IN ADDITION TO
THOSE UNDERTAKEN IN THE POOLING AND SERVICING AGREEMENT. EACH PERSON WHO
ACQUIRES THIS CERTIFICATE OR ANY INTEREST THEREIN SHALL BE DEEMED TO HAVE MADE
THE REPRESENTATIONS REQUIRED BY THE REPRESENTATION LETTER REFERRED TO IN THE
PRECEDING SENTENCE, UNLESS SUCH PERSON SHALL HAVE PROVIDED SUCH REPRESENTATION
LETTER OR THE OPINION OF COUNSEL REFERRED TO IN THE PRECEDING SENTENCE TO THE
TRUSTEE. THE POOLING AND SERVICING AGREEMENT PROVIDES THAT ANY ATTEMPTED OR
PURPORTED TRANSFER IN VIOLATION OF THESE TRANSFER RESTRICTIONS WILL BE NULL AND
VOID AND WILL VEST NO RIGHTS IN ANY PURPORTED TRANSFEREE.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class B-4
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: May 1, 1999
First Distribution Date: June 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balances of this Class: $2,102,000.00
Pass-Through Rate: 6.500%
CUSIP No.: 060506 ES 7
This certifies that _________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated May 25, 1999 (the "Pooling
and Servicing Agreement"), among the Depositor, NationsBanc Mortgage
Corporation, as servicer, Bank of America, FSB, as servicer (together with
NationsBanc Mortgage Corporation, the "Servicers"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound. Principal in respect of this
Certificate is distributable monthly as set forth in the Pooling and Servicing
Agreement. Accordingly, the Certificate Balance of this Certificate at any time
may be less than the Certificate Balance as set forth herein. This Certificate
does not evidence an obligation of, or an interest in, and is not guaranteed by
the Depositor, the Servicers or the Trustee referred to below or any of their
respective affiliates. Neither this Certificate nor the Mortgage Loans are
guaranteed or insured by any governmental agency or instrumentality.
No transfer of a Certificate of this Class shall be made unless such
transfer is exempt from the registration requirements of the Securities Act of
1933, as amended (the "1933 Act"), and any applicable state securities laws or
is made in accordance with the 1933 Act and such laws. In the event of any such
transfer, (i) unless the transfer is made in reliance on Rule 144A under the
1933 Act, the Trustee or the Depositor may require a written Opinion of Counsel
(which may be in-house counsel) acceptable to and in form and substance
reasonably satisfactory to the Trustee and the Depositor that such transfer may
be made pursuant to an exemption, describing the applicable exemption and the
basis therefor, from the 1933 Act and such laws or is being made pursuant to the
1933 Act and such laws, which Opinion of Counsel shall not be an expense of the
Trustee or the Depositor and (ii) the Trustee shall require a certificate from
the Certificateholder desiring to effect such transfer substantially in the form
attached to the Pooling and Servicing Agreement as Exhibit G-1 and a certificate
from such Certificateholder's prospective transferee substantially in the form
attached to the Pooling and Servicing Agreement either as Exhibit G-2A or as
Exhibit G-2B, which certificates shall not be an expense of the Trustee or the
Depositor; provided that the foregoing requirements under clauses (i) and (ii)
shall not apply to a transfer of a Private Certificate between or among the
Depositor, the Seller, their affiliates or both. The Holder of a Private
Certificate desiring to effect such transfer shall, and does hereby agree to,
indemnify the Trustee and the Depositor against any liability that may result if
the transfer is not so exempt or is not made in accordance with such federal and
state laws.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate is issued on May 25, 1999, and based on its issue price
of 73.24583%, including accrued interest, and a stated redemption price at
maturity equal to its initial principal balance, is issued with original issue
discount ("OID") for federal income tax purposes. Assuming that this Certificate
pays in accordance with projected cash flows reflecting the prepayment
assumption of 275% PSA (as defined in the Prospectus Supplement dated May 19,
1999 with respect to the offering of the Class A Certificates and the Class B-1,
Class B-2 and Class B-3 Certificates) used to price this Certificate: (i) the
amount of OID as a percentage of the initial principal balance of this
Certificate is approximately 26.75416667%; and (ii) the annual yield to maturity
of this Certificate, compounded monthly, is approximately 11.00%. There is no
short first accrual period.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
<PAGE>
EXHIBIT B-5
[FORM OF FACE OF CLASS B-5 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class B-5
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY
AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.
ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE
LESS THAN THE AMOUNT SET FORTH BELOW.
THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A, CLASS B-1,
CLASS B-2, CLASS B-3 AND CLASS B-4 CERTIFICATES AS DESCRIBED IN THE POOLING AND
SERVICING AGREEMENT.
THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS
AMENDED (THE "1933 ACT"). ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT
REGISTRATION THEREOF UNDER THE 1933 ACT MAY ONLY BE MADE IN A TRANSACTION
EXEMPTED FROM THE REGISTRATION REQUIREMENTS OF THE 1933 ACT AND IN ACCORDANCE
WITH THE PROVISIONS OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.
UNDER CURRENT LAW THE PURCHASE AND HOLDING OF THIS CERTIFICATE BY OR ON BEHALF
OF ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT
ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS
AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW ("SIMILAR LAW")
WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), MAY RESULT IN
"PROHIBITED TRANSACTIONS" WITHIN THE MEANING OF ERISA, THE CODE OR SIMILAR LAW.
TRANSFER OF THIS CERTIFICATE WILL NOT BE MADE UNLESS THE TRANSFEREE DELIVERS TO
THE TRUSTEE EITHER (I) A REPRESENTATION LETTER, IN FORM AND SUBSTANCE
SATISFACTORY TO THE TRUSTEE, STATING THAT (A) IT IS NOT, AND IS NOT ACTING ON
BEHALF OF, ANY SUCH PLAN OR USING THE ASSETS OF ANY SUCH PLAN TO EFFECT SUCH
PURCHASE OR (B) IF IT IS AN INSURANCE COMPANY, THAT THE SOURCE OF FUNDS USED TO
PURCHASE THIS CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (AS SUCH
TERM IS DEFINED IN SECTION V(E) OF PROHIBITED TRANSACTION CLASS EXEMPTION 95-60
("PTE 95-60"), 60 FED. REG. 35925 (JULY 12, 1995)), THERE IS NO PLAN WITH
RESPECT TO WHICH THE AMOUNT OF SUCH GENERAL ACCOUNT'S RESERVES AND LIABILITIES
FOR THE CONTRACT(S) HELD BY OR ON BEHALF OF SUCH PLAN AND ALL OTHER PLANS
MAINTAINED BY THE SAME EMPLOYER (OR AFFILIATE THEREOF AS DEFINED IN SECTION
V(A)(1) OF PTE 95-60) OR BY THE SAME EMPLOYEE ORGANIZATION EXCEEDS 10% OF THE
TOTAL OF ALL RESERVES AND LIABILITIES OF SUCH GENERAL ACCOUNT (AS SUCH AMOUNTS
ARE DETERMINED UNDER SECTION I(A) OF PTE 95-60) AT THE DATE OF ACQUISITION AND
ALL PLANS THAT HAVE AN INTEREST IN SUCH GENERAL ACCOUNT ARE PLANS TO WHICH PTE
95-60 APPLIES, OR (II) AN OPINION OF COUNSEL, IN FORM AND SUBSTANCE SATISFACTORY
TO THE TRUSTEE AND THE SERVICERS, TO THE EFFECT THAT THE PURCHASE OR HOLDING OF
THIS CERTIFICATE BY OR ON BEHALF OF SUCH PLAN WILL NOT RESULT IN THE ASSETS OF
THE TRUST BEING DEEMED TO BE "PLAN ASSETS" AND SUBJECT TO THE PROHIBITED
TRANSACTION PROVISIONS OF ERISA, THE CODE OR SIMILAR LAW AND WILL NOT SUBJECT
THE DEPOSITOR, THE SERVICERS OR THE TRUSTEE TO ANY OBLIGATION IN ADDITION TO
THOSE UNDERTAKEN IN THE POOLING AND SERVICING AGREEMENT. EACH PERSON WHO
ACQUIRES THIS CERTIFICATE OR ANY INTEREST THEREIN SHALL BE DEEMED TO HAVE MADE
THE REPRESENTATIONS REQUIRED BY THE REPRESENTATION LETTER REFERRED TO IN THE
PRECEDING SENTENCE, UNLESS SUCH PERSON SHALL HAVE PROVIDED SUCH REPRESENTATION
LETTER OR THE OPINION OF COUNSEL REFERRED TO IN THE PRECEDING SENTENCE TO THE
TRUSTEE. THE POOLING AND SERVICING AGREEMENT PROVIDES THAT ANY ATTEMPTED OR
PURPORTED TRANSFER IN VIOLATION OF THESE TRANSFER RESTRICTIONS WILL BE NULL AND
VOID AND WILL VEST NO RIGHTS IN ANY PURPORTED TRANSFEREE.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class B-5
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: May 1, 1999
First Distribution Date: June 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balances of this Class: $1,201,000.00
Pass-Through Rate: 6.500%
CUSIP No.: 060506 ET 5
This certifies that _________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated May 25, 1999 (the "Pooling
and Servicing Agreement"), among the Depositor, NationsBanc Mortgage
Corporation, as servicer, Bank of America, FSB, as servicer (together with
NationsBanc Mortgage Corporation, the "Servicers"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicers or the
Trustee referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
No transfer of a Certificate of this Class shall be made unless such
transfer is exempt from the registration requirements of the Securities Act of
1933, as amended (the "1933 Act"), and any applicable state securities laws or
is made in accordance with the 1933 Act and such laws. In the event of any such
transfer, (i) unless the transfer is made in reliance on Rule 144A under the
1933 Act, the Trustee or the Depositor may require a written Opinion of Counsel
(which may be in-house counsel) acceptable to and in form and substance
reasonably satisfactory to the Trustee and the Depositor that such transfer may
be made pursuant to an exemption, describing the applicable exemption and the
basis therefor, from the 1933 Act and such laws or is being made pursuant to the
1933 Act and such laws, which Opinion of Counsel shall not be an expense of the
Trustee or the Depositor and (ii) the Trustee shall require a certificate from
the Certificateholder desiring to effect such transfer substantially in the form
attached to the Pooling and Servicing Agreement as Exhibit G-1 and a certificate
from such Certificateholder's prospective transferee substantially in the form
attached to the Pooling and Servicing Agreement either as Exhibit G-2A or as
Exhibit G-2B, which certificates shall not be an expense of the Trustee or the
Depositor; provided that the foregoing requirements under clauses (i) and (ii)
shall not apply to a transfer of a Private Certificate between or among the
Depositor, the Seller, their affiliates or both. The Holder of a Private
Certificate desiring to effect such transfer shall, and does hereby agree to,
indemnify the Trustee and the Depositor against any liability that may result if
the transfer is not so exempt or is not made in accordance with such federal and
state laws.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate is issued on May 25, 1999, and based on its issue price
of 56.99583%, including accrued interest, and a stated redemption price at
maturity equal to its initial principal balance, is issued with original issue
discount ("OID") for federal income tax purposes. Assuming that this Certificate
pays in accordance with projected cash flows reflecting the prepayment
assumption of 275% PSA (as defined in the Prospectus Supplement dated May 19,
1999 with respect to the offering of the Class A Certificates and the Class B-1,
Class B-2 and Class B-3 Certificates) used to price this Certificate: (i) the
amount of OID as a percentage of the initial principal balance of this
Certificate is approximately 43.00416667%; and (ii) the annual yield to maturity
of this Certificate, compounded monthly, is approximately 15.12%. There is no
short first accrual period.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
<PAGE>
EXHIBIT B-6
[FORM OF FACE OF CLASS B-6 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class B-6
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY
AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.
ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE
LESS THAN THE AMOUNT SET FORTH BELOW.
THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A, CLASS B-1,
CLASS B-2, CLASS B-3, CLASS B-4 AND CLASS B-5 CERTIFICATES AS DESCRIBED IN THE
POOLING AND SERVICING AGREEMENT.
THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS
AMENDED (THE "1933 ACT"). ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT
REGISTRATION THEREOF UNDER THE 1933 ACT MAY ONLY BE MADE IN A TRANSACTION
EXEMPTED FROM THE REGISTRATION REQUIREMENTS OF THE 1933 ACT AND IN ACCORDANCE
WITH THE PROVISIONS OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.
UNDER CURRENT LAW THE PURCHASE AND HOLDING OF THIS CERTIFICATE BY OR ON BEHALF
OF ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT
ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS
AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW ("SIMILAR LAW")
WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), MAY RESULT IN
"PROHIBITED TRANSACTIONS" WITHIN THE MEANING OF ERISA, THE CODE OR SIMILAR LAW.
TRANSFER OF THIS CERTIFICATE WILL NOT BE MADE UNLESS THE TRANSFEREE DELIVERS TO
THE TRUSTEE EITHER (I) A REPRESENTATION LETTER, IN FORM AND SUBSTANCE
SATISFACTORY TO THE TRUSTEE, STATING THAT (A) IT IS NOT, AND IS NOT ACTING ON
BEHALF OF, ANY SUCH PLAN OR USING THE ASSETS OF ANY SUCH PLAN TO EFFECT SUCH
PURCHASE OR (B) IF IT IS AN INSURANCE COMPANY, THAT THE SOURCE OF FUNDS USED TO
PURCHASE THIS CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (AS SUCH
TERM IS DEFINED IN SECTION V(E) OF PROHIBITED TRANSACTION CLASS EXEMPTION 95-60
("PTE 95-60"), 60 FED. REG. 35925 (JULY 12, 1995)), THERE IS NO PLAN WITH
RESPECT TO WHICH THE AMOUNT OF SUCH GENERAL ACCOUNT'S RESERVES AND LIABILITIES
FOR THE CONTRACT(S) HELD BY OR ON BEHALF OF SUCH PLAN AND ALL OTHER PLANS
MAINTAINED BY THE SAME EMPLOYER (OR AFFILIATE THEREOF AS DEFINED IN SECTION
V(A)(1) OF PTE 95-60) OR BY THE SAME EMPLOYEE ORGANIZATION EXCEEDS 10% OF THE
TOTAL OF ALL RESERVES AND LIABILITIES OF SUCH GENERAL ACCOUNT (AS SUCH AMOUNTS
ARE DETERMINED UNDER SECTION I(A) OF PTE 95-60) AT THE DATE OF ACQUISITION AND
ALL PLANS THAT HAVE AN INTEREST IN SUCH GENERAL ACCOUNT ARE PLANS TO WHICH PTE
95-60 APPLIES, OR (II) AN OPINION OF COUNSEL, IN FORM AND SUBSTANCE SATISFACTORY
TO THE TRUSTEE AND THE SERVICERS, TO THE EFFECT THAT THE PURCHASE OR HOLDING OF
THIS CERTIFICATE BY OR ON BEHALF OF SUCH PLAN WILL NOT RESULT IN THE ASSETS OF
THE TRUST BEING DEEMED TO BE "PLAN ASSETS" AND SUBJECT TO THE PROHIBITED
TRANSACTION PROVISIONS OF ERISA, THE CODE OR SIMILAR LAW AND WILL NOT SUBJECT
THE DEPOSITOR, THE SERVICERS OR THE TRUSTEE TO ANY OBLIGATION IN ADDITION TO
THOSE UNDERTAKEN IN THE POOLING AND SERVICING AGREEMENT. EACH PERSON WHO
ACQUIRES THIS CERTIFICATE OR ANY INTEREST THEREIN SHALL BE DEEMED TO HAVE MADE
THE REPRESENTATIONS REQUIRED BY THE REPRESENTATION LETTER REFERRED TO IN THE
PRECEDING SENTENCE, UNLESS SUCH PERSON SHALL HAVE PROVIDED SUCH REPRESENTATION
LETTER OR THE OPINION OF COUNSEL REFERRED TO IN THE PRECEDING SENTENCE TO THE
TRUSTEE. THE POOLING AND SERVICING AGREEMENT PROVIDES THAT ANY ATTEMPTED OR
PURPORTED TRANSFER IN VIOLATION OF THESE TRANSFER RESTRICTIONS WILL BE NULL AND
VOID AND WILL VEST NO RIGHTS IN ANY PURPORTED TRANSFEREE.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-5
Class B-6
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: May 1, 1999
First Distribution Date: June 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balances of this Class: $1,201,268.38
Pass-Through Rate: 6.500%
CUSIP No.: 060506 EU 2
This certifies that _________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated May 25, 1999 (the "Pooling
and Servicing Agreement"), among the Depositor, NationsBanc Mortgage
Corporation, as servicer, Bank of America, FSB, as servicer (together with
NationsBanc Mortgage Corporation, the "Servicers"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicers or the
Trustee referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
No transfer of a Certificate of this Class shall be made unless such
transfer is exempt from the registration requirements of the Securities Act of
1933, as amended (the "1933 Act"), and any applicable state securities laws or
is made in accordance with the 1933 Act and such laws. In the event of any such
transfer, (i) unless the transfer is made in reliance on Rule 144A under the
1933 Act, the Trustee or the Depositor may require a written Opinion of Counsel
(which may be in-house counsel) acceptable to and in form and substance
reasonably satisfactory to the Trustee and the Depositor that such transfer may
be made pursuant to an exemption, describing the applicable exemption and the
basis therefor, from the 1933 Act and such laws or is being made pursuant to the
1933 Act and such laws, which Opinion of Counsel shall not be an expense of the
Trustee or the Depositor and (ii) the Trustee shall require a certificate from
the Certificateholder desiring to effect such transfer substantially in the form
attached to the Pooling and Servicing Agreement as Exhibit G-1 and a certificate
from such Certificateholder's prospective transferee substantially in the form
attached to the Pooling and Servicing Agreement either as Exhibit G-2A or as
Exhibit G-2B, which certificates shall not be an expense of the Trustee or the
Depositor; provided that the foregoing requirements under clauses (i) and (ii)
shall not apply to a transfer of a Private Certificate between or among the
Depositor, the Seller, their affiliates or both. The Holder of a Private
Certificate desiring to effect such transfer shall, and does hereby agree to,
indemnify the Trustee and the Depositor against any liability that may result if
the transfer is not so exempt or is not made in accordance with such federal and
state laws.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate is issued on May 25, 1999, and based on its issue price
of 23.43333%, including accrued interest, and a stated redemption price at
maturity equal to its initial principal balance, is issued with original issue
discount ("OID") for federal income tax purposes. Assuming that this Certificate
pays in accordance with projected cash flows reflecting the prepayment
assumption of 275% PSA (as defined in the Prospectus Supplement dated May 19,
1999 with respect to the offering of the Class A Certificates and the Class B-1,
Class B-2 and Class B-3 Certificates) used to price this Certificate: (i) the
amount of OID as a percentage of the initial principal balance of this
Certificate is approximately 76.56666667%; and (ii) the annual yield to maturity
of this Certificate, compounded monthly, is approximately 35.68%. There is no
short first accrual period.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
<PAGE>
EXHIBIT C
[FORM OF REVERSE OF ALL CERTIFICATES]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates
This Certificate is one of a duly authorized issue of Certificates
designated as Bank of America Mortgage Securities, Inc. Mortgage Pass-Through
Certificates, of the Series specified on the face hereof (collectively, the
"Certificates"), and representing a beneficial ownership interest in the Trust
created by the Pooling and Servicing Agreement.
The Certificateholder, by its acceptance of this Certificate, agrees that
it will look solely to the funds on deposit in the Certificate Account for
payment hereunder and that the Trustee is not liable to the Certificateholders
for any amount payable under this Certificate or the Pooling and Servicing
Agreement or, except as expressly provided in the Pooling and Servicing
Agreement, subject to any liability under the Pooling and Servicing Agreement.
This Certificate does not purport to summarize the Pooling and Servicing
Agreement and reference is made to the Pooling and Servicing Agreement for the
interests, rights and limitations of rights, benefits, obligations and duties
evidenced thereby, and the rights, duties and immunities of the Trustee.
Pursuant to the terms of the Pooling and Servicing Agreement, a
distribution will be made on the 25th day of each calendar month (or, if such
day is not a Business Day, the next Business Day) (each, a "Distribution Date"),
commencing on the first Distribution Date specified on the face hereof, to the
Person in whose name this Certificate is registered at the close of business on
the applicable Record Date in an amount required pursuant to the Pooling and
Servicing Agreement. The Record Date applicable to each Distribution Date is the
last Business Day of the month next preceding the month of such Distribution
Date.
On each Distribution Date, the Trustee shall distribute out of the
Certificate Account to each Certificateholder of record on the related Record
Date (other than respecting the final distribution) (a) by check mailed to such
Certificateholder entitled to receive a distribution on such Distribution Date
at the address appearing in the Certificate Register, or (b) upon written
request by the Holder of a Regular Certificate (in the event such
Certificateholder owns of record 100% of a Class of Certificates or holds
Certificates of any Class having denominations aggregating $1,000,000 or more),
by wire transfer or by such other means of payment as such Certificateholder and
the Trustee shall agree upon, such Certificateholder's Percentage Interest in,
the amount to which the related Class of Certificates is entitled in accordance
with the priorities set forth in Section 5.02 of the Pooling and Servicing
Agreement. The final distribution on each Certificate will be made in like
manner, but only upon presentation and surrender of such Certificate to the
Trustee as contemplated by Section 10.01 of the Pooling and Servicing Agreement.
The Pooling and Servicing Agreement permits, with certain exceptions
therein provided, the amendment thereof and the modification of the rights and
obligations of the Trustee and the rights of the Certificateholders under the
Pooling and Servicing Agreement at any time by the Depositor, the Servicers and
the Trustee with the consent of the Holders of Certificates affected by such
amendment evidencing the requisite Percentage Interest, as provided in the
Pooling and Servicing Agreement. Any such consent by the Holder of this
Certificate shall be conclusive and binding on such Holder and upon all future
Holders of this Certificate and of any Certificate issued upon the transfer
hereof or in exchange therefor or in lieu hereof whether or not notation of such
consent is made upon this Certificate. The Pooling and Servicing Agreement also
permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.
As provided in the Pooling and Servicing Agreement and subject to certain
limitations therein set forth, the transfer of this Certificate is registrable
in the Certificate Register of the Trustee upon surrender of this Certificate
for registration of transfer at the Corporate Trust Office accompanied by a
written instrument of transfer in form satisfactory to the Trustee and the
Certificate Registrar duly executed by the Holder hereof or such Holder's
attorney duly authorized in writing, and thereupon one or more new Certificates
of the same Class in authorized denominations and evidencing the same aggregate
Percentage Interest in the Trust will be issued to the designated transferee or
transferees.
The Certificates are issuable only as registered Certificates without
coupons in denominations specified in the Pooling and Servicing Agreement. As
provided in the Pooling and Servicing Agreement and subject to certain
limitations therein set forth, Certificates are exchangeable for new
Certificates of the same Class in authorized denominations and evidencing the
same aggregate Percentage Interest, as requested by the Holder surrendering the
same.
No service charge will be made for any such registration of transfer or
exchange, but the Trustee may require payment of a sum sufficient to cover any
tax or other governmental charge payable in connection therewith.
The Depositor, the Servicers, the Certificate Registrar and the Trustee
and any agent of the Depositor, the Servicers, the Certificate Registrar or the
Trustee may treat the Person in whose name this Certificate is registered as the
owner hereof for all purposes, and none of the Depositor, the Servicers, the
Certificate Registrar, the Trustee or any such agent shall be affected by any
notice to the contrary.
On any Distribution Date on which the Pool Stated Principal Balance is
less than 10% of the Cut-Off Date Pool Principal Balance, the Depositor will
have the option to repurchase, in whole, from the Trust all remaining Mortgage
Loans and all property acquired in respect of the Mortgage Loans at a purchase
price determined as provided in the Pooling and Servicing Agreement. In the
event that no such optional termination occurs, the obligations and
responsibilities created by the Pooling and Servicing Agreement will terminate
upon the later of the maturity or other liquidation (or any advance with respect
thereto) of the last Mortgage Loan remaining in the Trust or the disposition of
all property in respect thereof and the distribution to Certificateholders of
all amounts required to be distributed pursuant to the Pooling and Servicing
Agreement. In no event shall the Trust created by the Pooling and Servicing
Agreement continue beyond the expiration of 21 years from the death of the last
survivor of the descendants of Joseph P. Kennedy, the late ambassador of the
United States to the Court of St.
James, living on the date thereof.
Any term used herein that is defined in the Pooling and Servicing
Agreement shall have the meaning assigned in the Pooling and Servicing
Agreement, and nothing herein shall be deemed inconsistent with that meaning.
<PAGE>
IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly
executed.
Dated: ________ ___, ___
THE BANK OF NEW YORK,
as Trustee
By _______________________________________
Authorized Signatory
CERTIFICATE OF AUTHENTICATION
This is one of the Class [__] Certificates referred to in the Pooling and
Servicing Agreement referenced herein.
THE BANK OF NEW YORK,
as Trustee
By _______________________________________
Authorized Signatory
<PAGE>
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and
transfer(s) unto _____________________________________________________________
______________________________________________________________________________
______________________________________________________________________________
(Please print or typewrite name and address including postal zip code of
assignee)
the Percentage Interest evidenced by the within Certificate and hereby
authorizes the transfer of registration of such Percentage Interest to assignee
on the Certificate Register of the Trust.
I (We) further direct the Trustee to issue a new Certificate of a like
denomination and Class, to the above named assignee and deliver such Certificate
to the following address:
Dated:
____________________________________________
Signature by or on behalf of assignor
DISTRIBUTION INSTRUCTIONS
The assignee should include the following for purposes of distribution:
Distributions shall be made, by wire transfer or otherwise, in immediately
available funds to ____________________________________________________ for the
account of ___________________, account number _________________________, or, if
mailed by check, to Applicable statements should be mailed to
_______________________
This information is provided by ______________, the assignee named above,
or , as its agent.
<PAGE>
EXHIBIT D-1
BA MORTGAGE LOAN SCHEDULE
<TABLE>
LOAN SCHEDULE
<CAPTION>
LOAN# ADDRESS CITY ST ZIP OCC PROP TERM LTV
<S> <C> <C> <C> <C> <C> <C> <C> <C>
5000009919 35 LAZY VALLEY RD GLASTONBURY CT 6033 Primary SFR 360 78.4
5000011592 208 REVERKNOLLS AVON CT 6001 Primary SFR 360 73.0
5000013523 80 SAW MILL RD BRANFORD CT 6405 Primary SFR 360 83.3
5000023340 2 SOUTHFIELD DR DOVER MA 2030 Primary SFR 360 55.8
5000024066 1 CARTER RD SHREWSBURY MA 1545 Primary SFR 360 78.3
5000035237 41 DYKERS FARM RD NORTH HALED NJ 7508 Primary SFR 360 61.2
5000037431 781 N SHADY HOLLOW CIRCLE BLOOMFIELD MI 48304 Primary SFR 360 78.6
5000039585 7 WHITE BIRCH DRIVE MILLSTONE NJ 7726 Primary SFR 360 75.0
5000039833 1767 SCARLETT DR PITTSBURGH PA 15241 Primary SFR 300 79.1
5000039999 1201 LONGVIEW LANE SALINE MI 48176 Primary Condo 360 75.9
5000047604 11809 S EQUESTRIAN TRAIL PHOENIX AZ 85044 Primary PUD 360 80.0
5000049063 5512 W NORTHWOOD DR GLENDALE AZ 85310 Primary SFR 360 93.8
5000052562 9809 ROYAL LAMB DR LAS VEGAS NV 89128 Primary SFR 360 80.0
5000075555 32 BRIGHAM RD BERLIN MA 1503 Primary SFR 360 80.0
5000085547 145 FLYING MIST ISLE FOSTER CITY CA 94404 Primary SFR 360 53.7
5000087717 11105 NW VALLEY VISTA ROA HILLSBORO OR 97124 Primary SFR 360 62.6
5000090497 2527 234TH PL SE ISSAQUAH WA 98029 Primary SFR 360 80.0
5000092493 10355 SANDPOINT WAY NE SEATTLE WA 98125 Primary SFR 360 80.0
5000093889 2405 BALD HILL RD AUBURN CA 95603 Primary SFR 360 75.0
5000094259 1621 QUESADA WAY BURLINGAME CA 94010 Primary SFR 360 50.0
5000128925 1631 HANCHETT AVE SAN JOSE CA 95128 Primary SFR 360 79.3
5000129253 220 VISTA BELLA DR SANTA CRUZ CA 95060 Primary SFR 360 69.6
5000139344 80 HUDSON ROAD SUDBURY MA 1776 Primary SFR 360 80.0
5000139658 3 CROWN WAY MARBLEHEAD MA 1945 Primary SFR 360 63.0
5000140474 89 EDWARD AYER FLAGSTAFF AZ 86001 Secondary PUD 360 74.7
5000140961 65 HAGEN OAKS CT ALAMO CA 94507 Primary SFR 360 69.6
5000141035 19032 ANTIOCH DR IRVINE CA 92612 Primary PUD 360 59.6
5000141761 759 JUDITH CT INCLINE VIL NV 89451 Primary SFR 360 65.0
5000142181 1720 LAURENTIAN WAY SUNNYVALE CA 94087 Primary SFR 360 80.0
5000143791 1965 CHANDOS LANE LA HABRA HE CA 90631 Primary SFR 360 66.4
5000143817 9174 S FOX FIRE DR LITTLETON CO 80126 Primary PUD 360 85.0
5000144054 478 FRANKLIN ST DENVER CO 80218 Primary SFR 360 80.0
5000163591 15980 RAWHIDE LANE RIVERSIDE CA 92504 Primary SFR 360 79.7
5000175538 122 CALLE LARGA LOS GATOS CA 95032 Primary PUD 360 80.0
5000176049 651 EMORY AVE CAMPBELL CA 95008 Primary SFR 360 64.5
5000176064 6449 MOJAVE DR SAN JOSE CA 95120 Primary SFR 360 80.0
5000176320 413- 413A 30TH STREET SAN FRANCIS CA 94131 Primary 2-Family 360 70.0
5000176726 6045 FOOTHILL GLEN DR SAN JOSE CA 95123 Primary SFR 360 79.8
5000176809 83 S EL MONTE AVE LOS ALTOS CA 94022 Primary SFR 360 80.0
5000176882 846 DIABLO RD DANVILLE CA 94526 Primary SFR 360 90.0
5000178060 225 HARVARD ROAD SAN MATEO CA 94402 Primary SFR 360 38.3
5000178839 206 CAROB LANE ALAMEDA CA 94502 Primary PUD 360 80.0
5000178862 1253 LARCH AVE MORAGA CA 94556 Primary SFR 360 80.0
5000179076 12307 3RD HELENA DR LOS ANGELES CA 90049 Primary SFR 360 27.8
5000179092 SANTA RITA ST. 3SW OF 4TH CARMEL CA 93921 Primary SFR 360 28.8
5000179258 2901 ISABELLE AVE SAN MATEO CA 94403 Primary SFR 360 39.7
5000179498 2021 LIBERTY WAY SAN LEANDRO CA 94579 Primary SFR 360 79.9
5000179779 6074 PIETZ CT SAN JOSE CA 95123 Primary SFR 360 84.8
5000180397 15 ELK CT PACIFICA CA 94044 Primary SFR 360 69.0
5000180462 1059 SIERRA ST BERKELEY CA 94707 Primary SFR 360 80.0
5000180470 2283 37TH AVE SAN FRANCIS CA 94116 Primary SFR 360 80.0
5000181866 2211 BRODERICK ST #5 SAN FRANCIS CA 94115 Primary Condo 360 73.1
5000182443 3131 BARNEY AVE MENLO PARK CA 94025 Primary SFR 360 55.5
5000182492 5125 MITTY WAY SAN JOSE CA 95129 Primary SFR 360 80.0
5000182559 1317 MILLBRAE AVE MILLBRAE CA 94030 Primary SFR 360 60.0
5000182997 229 CORTE MADERA ROAD PORTOLA VAL CA 94028 Primary SFR 360 68.4
5000183227 1408 JOHNSON AVE SAN JOSE CA 95129 Primary SFR 360 68.0
5000183235 724 W CAPISTRANO WAY SAN MATEO CA 94402 Primary SFR 360 67.6
5000183391 11444 BLOOMINGTON WAY DUBLIN CA 94568 Primary SFR 360 80.0
5000183557 547- 549 HILL STREET SAN FRANCIS CA 94114 Primary 2-Family 360 74.9
5000184217 4648 AMERICAN RIVER DR SACRAMENTO CA 95864 Primary SFR 360 80.0
5000184290 2579 ALEMANY BLVD SAN FRANCIS CA 94112 Primary SFR 360 80.0
5000184464 9032 VILLAGE VIEW DR SAN JOSE CA 95135 Primary Condo 360 58.5
5000184639 2004 NEW BRUNSWICK DR SAN MATEO CA 94402 Primary SFR 360 80.0
5000184688 210 GLASGOW CIRCLE DANVILLE CA 94526 Primary PUD 360 80.0
5000184944 47056 YUCATAN DR FREMONT CA 94539 Primary SFR 360 80.0
5000197037 1345 JOHN'S CREEK RD WILMINGTON NC 28409 Primary PUD 360 58.6
5000200203 7755 VIRGINIA OAKS DR GAINESVILLE VA 20155 Primary PUD 360 84.7
5000213412 5303 AMBERWOOD CT LAKE OSWEGO OR 97035 Primary PUD 360 80.0
5000215243 1504 W NORWOOD CHICAGO IL 60660 Primary SFR 360 80.0
5000223585 457 SCENIC AVE PIEDMONT CA 94611 Primary SFR 360 80.0
5000226679 2641 WESTCOATT ST ACTON AREA CA 93510 Primary SFR 360 95.0
5000227321 16021 AIGLON ST LOS ANGELES CA 90272 Primary SFR 360 50.0
5000227784 494 CANYON CREST DR SIMI VALLEY CA 93065 Primary PUD 360 80.0
5000228139 18601 E VIA BRAVO VILLA PARK CA 92861 Primary SFR 360 55.6
5000229129 18 KENDALL ST LAGUNA NIGU CA 92677 Primary PUD 360 60.7
5000229996 3101 GRANGEMONT RD GLENDALE CA 91206 Primary SFR 360 70.0
5000230176 38671 CORAL CT GUALALA CA 95445 Primary SFR 360 89.9
5000230416 335 SEVILLE WAY SAN MATEO CA 94402 Primary SFR 360 34.1
5000230606 277 HILLVIEW AVE REDWOOD CIT CA 94061 Primary SFR 360 80.0
5000230713 119 MURRAY CT REDWOOD CIT CA 94062 Primary SFR 360 90.0
5000233097 736 BAYSWATER CT WALNUT CREE CA 94598 Primary SFR 360 70.0
5000235738 108 CAMINO DEL CERRO LOS GATOS CA 95032 Primary SFR 360 73.0
5000241611 424 WISTERIA DR EAST PALO A CA 94303 Primary SFR 360 95.0
5000242957 612 NE 219TH AVE REDMOND WA 98053 Primary SFR 360 80.0
5000252535 17514 LIVE OAK CIRCLE FOUNTAIN VA CA 92708 Primary SFR 360 84.8
5000257336 4056 VALENTE CT LAFAYETTE CA 94549 Primary SFR 360 46.1
5000266956 3241 ACORN WAY SAN JOSE CA 95117 Primary SFR 360 72.7
5000266998 171 SPRING VIEW ROAD LA SELVA BE CA 95076 Primary SFR 360 72.7
5000271139 209 MT. TOM ROAD BISHOP CA 93514 Primary SFR 360 80.0
5000277102 9809 N OLD STAGE ROAD WEED CA 96094 Primary SFR 360 45.8
5000277995 205 SUMMERFORD CIRCLE SAN RAMON CA 94583 Primary SFR 360 71.4
5000278258 1510 RAY DR BURLINGAME CA 94010 Primary SFR 360 64.7
5000280452 838 WAWONA AVE OAKLAND CA 94610 Primary SFR 360 67.6
5000286715 16290 DEWITT AVE C MORGAN HILL CA 95037 Primary SFR 360 71.0
5000291210 18834 LAKEVIEW CT LOS GATOS CA 95030 Primary SFR 360 69.9
5000292069 603 FOX FIELDS ROAD BRYN MAWR PA 19010 Primary SFR 360 63.9
5000293430 845 MISSION DR CAMARILLO CA 93010 Primary SFR 360 80.0
5000295625 39336 SPANISH BAY PL DAVIS CA 95616 Primary SFR 360 73.8
5000295807 22940 SE 25TH PLACE ISSAQUAH WA 98029 Primary SFR 360 75.6
5000296508 645 W 11TH ST CLAREMONT CA 91711 Primary SFR 360 69.7
5000297118 4252 CHULA SENDA LANE LA CANADA-F CA 91011 Primary SFR 360 51.4
5000297753 10304 NE 62ND ST KIRKLAND WA 98033 Primary SFR 360 68.3
5000298652 880 KIRKWOOD LANE LA HABRA CA 90631 Primary SFR 360 78.8
5000298686 22251 CAIRNLOCH ST CALABASAS CA 91302 Primary PUD 360 78.8
5000308824 6611 LAKERIDGE RD LOS ANGELES CA 90068 Primary SFR 360 85.0
5000311737 18231 WELLINGTON LANE ROWLAND HEI CA 91748 Primary SFR 360 67.5
5000312594 3653 MEADOWLANDS LANE SAN JOSE CA 95135 Primary SFR 360 72.0
5000315019 2035 PALMER DR LAKE HAVASU AZ 86406 Primary SFR 360 79.1
5000315175 4138 FAIRLANDS DR PLEASANTON CA 94588 Primary PUD 360 73.8
5000316017 9190 VISTA CT LOOMIS CA 95650 Primary SFR 360 72.6
5000316397 12520 CASCADE CANYON DR LA(GRANADA CA 91344 Primary PUD 360 66.4
5000317114 15393 WILLOW DR LOS GATOS CA 95032 Primary SFR 360 63.7
5000317999 5570 CAMINO FAMOSA YORBA LINDA CA 92887 Primary SFR 360 74.3
5000318856 12418 WILLOW HILL DR MOORPARK CA 93021 Primary SFR 360 86.5
5000318963 1455 SAY ROAD SANTA PAULA CA 93060 Secondary SFR 360 51.5
5000320118 11733 BLOSSOMWOOD CT MOORPARK CA 93021 Primary PUD 360 67.1
5000320258 61 CAMBRIA DR NEWPORT BEA CA 92625 Primary PUD 360 27.0
5000321082 615 E HIGHLAND VIEW DR BOISE ID 83702 Primary SFR 360 69.9
5000322817 106 ARAPAHO CT SUN VALLEY ID 83353 Secondary PUD 360 33.4
5000324748 6502 WOOSTER AVE LOS ANGELES CA 90056 Primary SFR 360 57.2
5000327030 4606 TAM O'SHANTER DR THOUSAND OA CA 91362 Primary PUD 360 50.0
5000328236 15620 PALOS VERDES DR MONTE SEREN CA 95030 Primary SFR 360 20.1
5000328442 15 CORONADO CT WALNUT CREE CA 94596 Primary SFR 360 58.9
5000331024 4243 VIA MAR DE DELFINAS SAN DIEGO CA 92130 Primary PUD 360 80.0
5000343961 1524 KANAPUU DR KAILUA HI 96734 Primary SFR 360 75.0
5000347855 6423 E VIA ESTRADA ANAHEIM CA 92807 Primary PUD 360 90.0
5000348267 2440 GLENCOE AVE LOS ANGELES CA 90291 Primary SFR 360 80.0
5000348820 5 CHARLOTTE IRVINE CA 92612 Primary PUD 360 48.0
5000359041 824 BROADWAY HANOVER MA 2339 Primary SFR 360 59.5
5000365634 53 BLUE ROCK DR STAMFORD CT 6903 Primary SFR 360 57.0
5000391903 2216 DONNIE ROAD NEWPORT BEA CA 92660 Primary SFR 360 63.1
5000392539 31251 VIA LIMON SAN JUAN CA CA 92675 Primary PUD 360 57.9
5000395888 20111 CRATER CIRCLE HUNTINGTON CA 92646 Primary SFR 360 80.0
5000399864 10617 PURDEY ROAD EDEN PRAIRI MN 55347 Primary SFR 360 74.5
5000400860 242 CLARK DR SAN MATEO CA 94402 Primary SFR 360 39.2
5000401207 2281 ROSEWOOD DR SAN BRUNO CA 94066 Primary SFR 360 77.7
5000401686 4316 BAYNE PL SAN JOSE CA 95130 Primary SFR 360 80.0
5000402148 2135 ABBEY LANE CAMPBELL CA 95008 Primary SFR 360 80.0
5000403575 53 S SEVENTEENTH ST SAN JOSE CA 95112 Primary PUD 360 80.0
5000406669 4106 OAKMORE ROAD OAKLAND CA 94602 Primary SFR 360 67.9
5000407733 4457 CALYPSO TERRACE FREMONT CA 94555 Primary PUD 360 80.0
5000408350 25409 MODOC CT HAYWARD CA 94542 Primary SFR 360 80.0
5000408806 9 VIA POCA CARMEL VALL CA 93924 Primary SFR 360 66.6
5000409671 5839 ROSS ST OAKLAND CA 94618 Primary SFR 360 74.7
5000410133 657 31ST ST MANHATTAN B CA 90266 Primary SFR 360 56.6
5000410166 1086 CORTE BARROSO CAMARILLO A CA 93010 Primary PUD 360 66.7
5000412014 25115 VIA BAJO CERRO LAGUNA NIGU CA 92677 Primary SFR 360 76.5
5000412097 713 BETHANY RD BURBANK CA 91504 Primary SFR 360 77.1
5000414895 6342 DORAL DR HUNTINGTON CA 92648 Primary PUD 360 80.0
5000415561 663 VIA LIDO NORD NEWPORT BEA CA 92663 Primary PUD 360 28.3
5000415892 715 S CATALINA AVE REDONDO BEA CA 90277 Primary SFR 360 56.5
5000416619 12 TRESTLES LAGUNA NIGU CA 92677 Primary PUD 360 80.0
5000420256 2686 CAMINITO PRADO SAN DIEGO ( CA 92037 Primary PUD 360 36.0
5000420777 432 15TH ST DEL MAR CA 92014 Primary SFR 360 38.1
5000420819 1221 VISTA GRANDE RD EL CAJON CA 92019 Primary SFR 360 74.8
5000421411 424- 426 CORBETT AVE SAN FRANCIS CA 94114 Primary 2-Family 360 44.9
5000421718 2679 VICTORIA DR LAGUNA BEAC CA 92651 Primary SFR 360 19.4
5000422740 3731 OVERPARK RD SAN DIEGO CA 92130 Primary PUD 360 70.0
5000426121 3330 ZUMBROTA RD ALPINE CA 91901 Primary SFR 360 80.0
5000426592 936 ORMA DR SAN DIEGO CA 92106 Primary SFR 360 67.9
5000426766 4421 SANTA CRUZ AVE SAN DIEGO CA 92107 Primary SFR 360 74.8
5000426808 12135 EASTGLEN ST SAN DIEGO CA 92131 Primary SFR 360 90.0
5000426816 4444 ALGECIRAS ST SAN DIEGO CA 92107 Primary SFR 360 75.0
5000427178 2019 JENNA PL ESCONDIDO CA 92029 Primary SFR 360 80.0
5000429745 9670 RED PONY LANE EL CAJON CA 92021 Primary SFR 360 87.9
5000429968 25881 NIMES CT MISSION VIE CA 92692 Primary PUD 360 80.0
5000435031 2986 FERDIG TUSTIN CA 92782 Primary PUD 360 80.0
5000435247 27481 NEWPORTER WAY LAGUNA NIGU CA 92677 Primary Condo 360 95.0
5000435296 609 LAS BARRANCAS DR DANVILLE CA 94526 Primary SFR 360 69.6
5000435304 6718 GENTRY OAKS PL SAN JOSE CA 95138 Primary PUD 360 55.4
5000435346 15867 HIDDEN VALLEY DR POWAY CA 92064 Primary SFR 360 79.2
5000435411 1528 S HOLLENCREST DR WEST COVINA CA 91791 Primary PUD 360 80.0
5000435635 4922 COLUSA DR OCEANSIDE CA 92056 Primary PUD 360 74.7
5000435676 6391 MALACHITE AVE RANCHO CUCA CA 91737 Primary SFR 360 95.0
5000435783 8015 ECLIPSE RD SAN DIEGO CA 92129 Primary SFR 360 80.0
5000436666 5252 ARNO CT SAN JOSE CA 95138 Primary PUD 360 79.6
5000436740 1 HEARTWOOD WAY ALISO VIEJO CA 92656 Primary PUD 360 80.0
5000436773 404 NICHOLAS DR MOUNTAIN VI CA 94043 Primary PUD 360 80.0
5000436898 9387 TWINFORD CT SAN DIEGO CA 92126 Primary SFR 360 89.9
5000436955 3927 CORTE MAR DE BRISA SAN DIEGO CA 92130 Primary PUD 360 80.0
5000436989 500 EL INVIERNO DR GILROY CA 95020 Primary SFR 360 80.0
5000437227 160 CHERRY AVE CARLSBAD CA 92008 Primary SFR 360 87.0
5000437250 18832 PEPPERDINE DR CARSON CA 90746 Primary SFR 360 95.0
5000438118 4664 GRANGER ST SAN DIEGO CA 92107 Primary SFR 360 80.0
5000438167 160 I AVE CORONADO CA 92118 Primary SFR 360 55.4
5000438316 920 NOTTINGHAM ROAD NEWPORT BEA CA 92657 Primary SFR 360 80.0
5000438407 2221 CORTE ANANAS CARLSBAD CA 92009 Primary PUD 360 80.0
5000438944 8430 LA JOLLA SHORES DR LA JOLLA CA 92037 Primary SFR 360 85.0
5000439181 9934 ANTHONY PL BEVERLY HIL CA 90210 Primary SFR 360 59.2
5000439330 4967 CHATEAU DR SAN DIEGO CA 92117 Primary SFR 360 95.0
5000439421 80 VIA SONRISA SAN CLEMENT CA 92673 Primary PUD 360 80.0
5000439462 27 LYNNFIELD IRVINE CA 92620 Primary PUD 360 74.9
5000439546 5946 EXETER CT SAN JOSE CA 95138 Primary PUD 360 45.1
5000439660 18670 MORONGO ST FOUNTAIN VA CA 92708 Primary SFR 360 80.0
5000439678 2240 CORTE ANANAS CARLSBAD CA 92009 Primary PUD 360 75.5
5000439710 22641 PINERIDGE MISSION VIE CA 92692 Primary PUD 360 56.9
5000446053 1082 GOLD DUST DR EDWARDS CO 81632 Primary SFR 360 40.2
5000446343 131 SADDLEWOOD DR NOVATO CA 94945 Primary SFR 360 80.0
5000446459 10142 E COCHISE DR SCOTTSDALE AZ 85258 Secondary PUD 360 70.6
5000447564 4339 E PALO VERDE DR PHOENIX AZ 85018 Primary SFR 240 62.8
5000447812 6270 SKYWALKER DR SAN JOSE CA 95135 Primary SFR 360 66.0
5000447838 15757 ROYAL RIDGE RD SHERMAN OAK CA 91403 Primary SFR 360 54.4
5000448588 26 PASA ROBLES LOS ALTOS CA 94022 Primary SFR 360 78.7
5000450303 2801 TAMARA CT MINDEN NV 89423 Primary SFR 360 75.0
5000450733 413 CANYON RD BLAINE COUN ID 83333 Primary SFR 360 71.3
5000451822 18 SAN BENITO WAY NOVATO CA 94945 Primary SFR 360 90.0
5000451855 10098 E CORRINE DR SCOTTSDALE AZ 85260 Primary PUD 360 69.0
5000452390 2780 MORGAN CT WEST LINN OR 97068 Primary PUD 360 63.3
5000452580 21814 E GEDDES PL AURORA CO 80016 Primary SFR 360 63.2
5000453034 11374 CONESTOGA RD FRANKTOWN CO 80116 Primary SFR 360 76.7
5000453133 6132 E INDIAN BEND RD PARADISE VA AZ 85253 Primary SFR 360 59.5
5000453182 8117 E DEL TIBURON DR SCOTTSDALE AZ 85258 Secondary PUD 360 90.0
5000453489 5950 GRASS VALLEY RD RENO NV 89510 Primary SFR 360 80.0
5000455831 3277 84TH AVE SE MERCER ISLA WA 98040 Primary SFR 360 80.0
5000457258 1955 SUNSET AVE SW SEATTLE WA 98116 Primary SFR 360 80.0
5000458082 13408 NE 12TH PL BELLEVUE WA 98005 Primary PUD 360 76.2
5000458215 546 WOOD AVE SW J3 BAINBRIDGE WA 98110 Primary Condo 360 76.2
5000459866 7229 LEDROIT CT SW SEATTLE WA 98136 Primary SFR 360 80.0
5000459973 6406 NE AGATE BEACH LANE BAINBRIDGE WA 98110 Primary PUD 360 80.0
5000460336 1305 N ARROWHEAD RD CAMANO ISLA WA 98292 Secondary SFR 360 80.0
5000461193 6651 NE BAKER HILL RD BAINBRIDGE WA 98110 Primary SFR 360 80.0
5000461417 4119 BAKER AVE NW SEATTLE WA 98107 Primary SFR 360 79.1
5000461482 1855 W MERCER WAY MERCER ISLA WA 98040 Primary SFR 360 37.1
5000467166 415 POMPADOUR DR ASHLAND OR 97520 Primary SFR 360 75.0
5000468883 1445 E EMERSON AVE SALT LAKE C UT 84105 Primary SFR 360 76.7
5000469915 1485 SW CARDINELL DR PORTLAND OR 97201 Primary SFR 360 63.0
5000470335 745 SW 67TH PL PORTLAND OR 97225 Primary PUD 360 70.0
5000470368 11235 SW RIVERWOOD RD PORTLAND OR 97219 Primary SFR 360 75.8
5000470509 31755 SW LAURELVIEW RD HILLSBORO OR 97123 Primary SFR 360 80.0
5000471291 21393 NW WEST UNION ROAD HILLSBORO OR 97124 Primary SFR 360 57.0
5000475391 5900 MOUNTAIN VILLA DR AUSTIN TX 78731 Primary SFR 360 95.0
5000475433 4808 SEA PINES DRIVE DALLAS TX 75287 Primary SFR 360 73.4
5000476209 3308 ELAM COURT PLANO TX 75093 Primary SFR 360 80.0
5000476837 10302 HOLLY SPRINGS DRIVE HOUSTON TX 77042 Primary PUD 360 95.0
5000477348 1021 HARDWICK TRAIL KELLER TX 76248 Primary SFR 360 80.0
5000477876 4327 NORTH ROSENEATH DR HOUSTON TX 77021 Primary SFR 360 73.9
5000481886 4033 HANOVER AVE UNIVERSITY TX 75225 Primary SFR 360 50.0
5000483718 1820 LAKESHORE CT MCKINNEY TX 75070 Primary SFR 360 90.0
5000484724 7413 GLEN EAGLES WAY FORT WORTH TX 76179 Primary SFR 360 72.5
5000486554 5428 KUAOLA ST HONOLULU HI 96821 Primary SFR 360 51.3
5000486828 3514 SIERRA DR HONOLULU HI 96816 Primary SFR 360 76.7
5000499052 21333 WILLIAMSBURG CT KILDEER IL 60047 Primary SFR 360 67.5
5000531185 10116 INSHORE DR AUSTIN TX 78730 Primary PUD 360 71.9
5000532852 121 BLUE HERON LANE HEATH TX 75032 Primary SFR 360 78.8
5000534502 12 GLENHEATHER COURT DALLAS TX 75225 Primary SFR 360 80.0
5000540194 47 CASCADE CT STAMFORD CT 6903 Primary SFR 360 80.0
5000543719 281 CHEESE SPRING ROAD WILTON CT 6897 Primary SFR 360 69.4
5000552520 33 ROCKY WOODS RD HOPKINTON MA 1748 Primary SFR 360 69.8
5000553387 124 PADDOCK CIRCLE MASHPEE MA 2649 Secondary SFR 360 70.9
5000560077 389 DELL LANE HIGHLAND PA IL 60035 Primary SFR 360 63.6
5000560697 21603 GREENWOOD DR KILDEER IL 60047 Primary SFR 360 75.0
5000562701 124 13TH ST SEAL BEACH CA 90740 Primary SFR 360 80.0
5000565464 53 -55 HILL ST SAN FRANCIS CA 94110 Primary 2-Family 360 63.8
5000565472 1010 SUNSET DR SAN CARLOS CA 94070 Primary SFR 360 60.8
5000565860 66 MANOR DR SAN FRANCIS CA 94127 Primary SFR 360 80.0
5000566652 1476 GEORGETTA DR SAN JOSE CA 95125 Primary SFR 360 80.0
5000567627 3608 SPYGLASS DRIVE NE TACOMA WA 98422 Primary PUD 360 80.0
5000570936 5826 BLUE HERON DR LONG GROVE IL 60047 Primary PUD 360 54.5
5000574359 618 ROUNDSTONE DR ST. CHARLES MO 63304 Primary SFR 360 80.0
5000577717 412 VALLEY ST SAN FRANCIS CA 94131 Primary SFR 360 75.0
5000577899 379 BALSAM AVE SUNNYVALE CA 94086 Primary SFR 360 74.9
5000578236 858 - 860 VALLEJO ST SAN FRANCIS CA 94133 Primary 2-Family 360 74.6
5000578426 51 - 53 FORD ST SAN FRANCIS CA 94114 Primary 2-Family 360 61.6
5000578566 1700 DAYTON AVE ALAMEDA CA 94501 Primary SFR 360 74.6
5000578707 15 AVENIDA OLEMA STINSON BEA CA 94970 Secondary SFR 360 42.9
5000578798 3927 QUAIL RIDGE RD LAFAYETTE CA 94549 Primary SFR 360 49.2
5000579200 786 CALMAR AVE OAKLAND CA 94610 Primary SFR 360 80.0
5000579275 741 CRESTVIEW DR MILLBRAE CA 94030 Primary SFR 360 60.6
5000579390 414 JONATHAN RIDGE DANVILLE CA 94506 Primary SFR 360 68.2
5000579622 1485- 1487 CLAYTON STREET SAN FRANCIS CA 94114 Primary 2-Family 360 73.0
5000580133 203 SEQUOIA AVE REDWOOD CIT CA 94061 Primary SFR 360 80.0
5000580174 7492 TUSTIN RD SALINAS CA 93907 Primary SFR 360 80.0
5000580182 807 RAM LANE FOSTER CITY CA 94404 Primary Condo 360 80.0
5000580190 429 NEVADA AVE SAN MATEO CA 94402 Primary SFR 360 45.1
5000580265 11790 BLOOMINGTON WAY DUBLIN CA 94568 Primary SFR 360 65.1
5000580356 577 ECHO VALLEY RD SALINAS CA 93907 Primary SFR 360 95.0
5000580596 1221 WINDIMER DR LOS ALTOS CA 94024 Primary SFR 360 57.3
5000580851 406 DELLBROOK AVE SOUTH SAN F CA 94080 Primary SFR 360 80.0
5000580992 2116 GOSSAMER AVE REDWOOD CIT CA 94065 Primary PUD 360 80.0
5000581297 109 LIVE OAK DR PETALUMA CA 94952 Primary SFR 360 80.0
5000581768 2034 ROSSWOOD DR SAN JOSE CA 95124 Primary SFR 360 80.0
5000581891 19619 LADERA CT SARATOGA CA 95070 Primary SFR 360 67.3
5000581958 1520 BREWSTER AVE REDWOOD CIT CA 94062 Primary SFR 360 72.8
5000582089 1390 OLYMPUS DR SAN JOSE CA 95129 Primary SFR 360 70.5
5000582105 2327 OLYMPIC AVE MENLO PARK CA 94025 Primary SFR 360 56.8
5000584663 927 GUINDA ST PALO ALTO CA 94301 Primary SFR 360 80.0
5000591445 310 W CAMINO REAL AVE ARCADIA CA 91007 Primary SFR 360 54.8
5000591452 100- 102 S. MANSFIELD AVE LOS ANGELES CA 90036 Primary 2-Family 360 62.4
5000591908 15430 GREENLEAF ST LOS ANGELES CA 91403 Primary SFR 360 68.1
5000591981 4315 MORRO DR LOS ANGELES CA 91364 Primary SFR 360 80.0
5000592013 5 PICTOR CT COTO DE CAZ CA 92679 Primary PUD 360 80.0
5000592641 3018 STEINER SAN FRANCIS CA 94123 Primary Condo 360 70.9
5000593599 30637 HUNT CLUB DR SAN JUAN CA CA 92675 Primary PUD 360 74.3
5000593755 2509 GREENVALLEY RD LOS ANGELES CA 90046 Primary SFR 360 80.0
5000594233 20445 LONGBAY DR YORBA LINDA CA 92887 Primary PUD 360 72.5
5000594597 648 BARNUM WAY MONTEREY PA CA 91754 Primary SFR 360 80.0
5000595552 29668 KIMBERLY DR AGOURA HILL CA 91301 Primary PUD 360 69.1
5000596147 4173 W 60TH ST LOS ANGELES CA 90043 Primary SFR 360 80.0
5000596220 10385 TUPELO LANE LOS ANGELES CA 90077 Primary SFR 360 60.0
5000596238 4826 QUEDO PL L.A.(WOODLA CA 91364 Primary SFR 360 80.0
5000596311 4667 MARLOMA DR ROLLING HIL CA 90274 Primary SFR 360 63.0
5000596352 27837 PONTEVEDRA DR RANCHO PALO CA 90275 Primary SFR 360 75.0
5000596618 2127 ENTRADA PARAISO SAN CLEMENT CA 92672 Primary SFR 360 66.5
5000596642 4619 MARLOMA DR ROLLING HIL CA 90274 Primary SFR 360 80.0
5000596824 1920 SPRINGFIELD AVE HERMOSA BEA CA 90254 Primary SFR 360 77.1
5000597228 346 N SIERRA AVE SOLANA BEAC CA 92075 Primary SFR 360 54.3
5000597491 5851 SERRANIA AVE L.A.(WOODLA CA 91367 Primary SFR 360 80.0
5000598606 2069 COLD CANYON RD CALABASAS A CA 91302 Primary SFR 360 51.3
5000598622 29359 WHITLEY COLLINS DR RANCHO PALO CA 90275 Primary SFR 360 66.0
5000599000 3 ST. PIERRE NEWPORT COA CA 92657 Primary Condo 360 75.0
5000599398 186 N CRESCENT DR NO. 2 BEVERLY HIL CA 90210 Primary Condo 360 65.7
5000599646 27252 LOST COLT DR LAGUNA HILL CA 92653 Primary PUD 360 69.1
5000599810 1743 S HOLT AVE LOS ANGELES CA 90035 Primary SFR 360 80.0
5000687540 1960 HAYES ST #4 SAN FRANCIS CA 94117 Primary Condo 360 69.7
5000687722 3248 VIOLET RIDGE ENCINITAS CA 92024 Primary PUD 360 37.5
5000687854 12103 AVENIDA SIVRITA SAN DIEGO CA 92128 Primary PUD 360 80.0
5000687912 211 WEST WALNUT ST SAN DIEGO CA 92103 Primary SFR 360 80.0
5000687987 38 FEATHER RIDGE MISSION VIE CA 92692 Primary PUD 360 69.9
5000688217 720 N BARBARA AVE SOLANA BEAC CA 92075 Primary SFR 360 80.0
5000688225 3515 LOMAS SERENAS DR ESCONDIDO CA 92029 Primary PUD 360 75.0
5000688266 11844 HARTSOOK STREET L.A.(NORTH CA 91607 Primary SFR 360 72.2
5000688670 17653 LOS MORROS RANCHO SANT CA 92067 Primary SFR 360 54.2
5000688738 3121 CAMINO DEL RANCHO ENCINITAS CA 92024 Primary SFR 360 66.5
5000689074 213 MANGO VIEW DR ENCINITAS CA 92024 Primary SFR 360 69.6
5000689124 5354 LA JOLLA BLVD SAN DIEGO ( CA 92037 Primary SFR 360 68.9
5000689264 2539 PASATIEMPO GLEN ESCONDIDO CA 92025 Primary PUD 360 79.2
5000719731 408 WESTLAKE AVE DALY CITY CA 94014 Primary SFR 360 95.0
5000730027 327 SERRA SAN BRUNO MOUNTAIN VI CA 94043 Primary PUD 360 80.0
5000731082 30 KAMMERER CT HILLSBOROUG CA 94010 Primary SFR 360 34.9
5000731108 165 IVY DR ORINDA CA 94563 Primary SFR 360 80.0
5000731132 4390 CALLE DE FARRAR SAN JOSE CA 95118 Primary SFR 360 79.6
5000731140 3241 FALLS CREEK DR SAN JOSE CA 95135 Primary SFR 360 80.0
5000731173 753 MEDITERRANEAN LANE REDWOOD CIT CA 94065 Primary Condo 360 57.5
5000731215 1120 HOMER COMMON SAN JOSE CA 95131 Primary Condo 360 86.4
5000731231 24 CENTURY OAKS CT SAN RAMON CA 94583 Primary PUD 360 62.1
5000731280 130 NEVADA ST SAN FRANCIS CA 94110 Primary SFR 360 75.0
5000731298 3714 IRVING ST SAN FRANCIS CA 94122 Primary SFR 360 79.9
5000731314 6425 GIRVIN DR OAKLAND CA 94611 Primary SFR 360 80.0
5000731348 2474 27TH AVE SAN FRANCIS CA 94116 Primary SFR 360 67.8
5000731454 655 JENNIE CT LAFAYETTE CA 94549 Primary SFR 360 64.3
5000731470 25 PANORAMIC WAY BERKELEY CA 94704 Primary SFR 360 74.0
5000731488 124 MOORE CREEK ROAD SANTA CRUZ CA 95060 Primary SFR 360 73.4
5000731553 61 ELDERWOOD DR PLEASANT HI CA 94523 Primary SFR 360 68.5
5000731561 14940 GERNEIL CT SARATOGA CA 95070 Primary SFR 360 45.0
5000731629 48906 CROWN RIDGE COMMON FREMONT CA 94539 Primary PUD 360 70.0
5000731637 2324 VERA AVE REDWOOD CIT CA 94061 Primary SFR 360 80.0
5000731660 535 CENTRAL AVE MENLO PARK CA 94025 Primary SFR 360 55.9
5000731702 1126 CASTLE WAY MENLO PARK CA 94025 Primary SFR 360 73.3
5000731728 1782 LAINE AVE SANTA CLARA CA 95051 Primary SFR 360 80.0
5000731769 1241 NORWOOD PL LIVERMORE CA 94550 Primary SFR 360 75.0
5000731868 2809 FOREST AVE BERKELEY CA 94705 Primary SFR 360 75.0
5000731884 21631 REGNART RD CUPERTINO CA 95014 Primary SFR 360 54.2
5000732049 3031 PLEASURE POINT DR SANTA CRUZ CA 95062 Secondary SFR 360 58.9
5000732106 1818 MC DANIEL AVE SAN JOSE CA 95126 Primary SFR 360 79.6
5000732155 3501 MILLEFORD CT PLEASANTON CA 94588 Primary PUD 360 80.0
5000732254 127 LOUISE LANE SAN MATEO CA 94403 Primary SFR 360 80.0
5000732353 11354 HUNTINGTON VILLAGE GOLD RIVER CA 95670 Primary PUD 360 80.0
5000732387 1560 CASTILLEJA AVE PALO ALTO CA 94306 Primary SFR 360 41.6
5000732411 274 PRIMROSE DR SAN JOSE CA 95123 Primary SFR 360 76.0
5000732429 386 HUCKLEBERRY DR SAN JOSE CA 95123 Primary SFR 360 69.6
5000732437 6661 PEBBLEWOOD CT SAN JOSE CA 95120 Primary SFR 360 78.2
5000757681 788 EUCLID AVE BERKELEY CA 94708 Primary SFR 360 58.8
5000757764 1452 TILIA ST SAN MATEO CA 94402 Primary SFR 360 80.0
5000757798 96 MARINERS CIRCLE SAN RAFAEL CA 94903 Primary Condo 360 74.1
5000757814 20847 GARDEN GATE DR CUPERTINO CA 95014 Primary SFR 360 74.3
5000757848 425 S CLOVERCREST LANE SAN RAMON CA 94583 Primary PUD 360 80.0
5000757954 1324 MONTERO AVE BURLINGAME CA 94010 Primary SFR 360 68.6
5000757988 883 46TH AVE SAN FRANCIS CA 94121 Primary SFR 360 80.0
5000758051 2471 ROSS RD PALO ALTO CA 94303 Primary SFR 360 67.4
5000758283 4812 NORRIS RD FREMONT CA 94536 Primary PUD 360 75.0
5000758465 1443 MIRAMONTE AVE MOUNTAIN VI CA 94040 Primary SFR 360 80.0
5000758481 6421 HEATHER RIDGE WAY OAKLAND CA 94611 Primary SFR 360 66.7
5000758622 34-36 CULEBRA TERRACE SAN FRANCIS CA 94109 Primary 2-Family 360 45.5
5000758754 30460 MERIDIEN CIRCLE UNION CITY CA 94587 Primary PUD 360 80.0
5000758796 7079 KINDRA HILL DR SAN JOSE CA 95120 Primary SFR 360 48.6
5000759224 135 27TH ST SAN FRANCIS CA 94110 Primary SFR 360 58.6
5000759232 3423 HICKERSON DR SAN JOSE CA 95127 Primary SFR 360 70.0
5000759257 234 WILSHIRE AVE DALY CITY CA 94015 Primary SFR 360 80.0
5000759281 2904 KIPLING ST PALO ALTO CA 94306 Primary SFR 360 62.0
5000759307 9446 RANCHO HILLS DR GILROY CA 95020 Primary SFR 360 77.4
5000759315 14 SOUTHERN HEIGHTS AVE SAN FRANCIS CA 94107 Primary Condo 360 58.4
5000759372 2318 TAPESTRY DR LIVERMORE CA 94550 Primary SFR 360 77.0
5000759448 1100 SUFFOLK CT LOS ALTOS CA 94024 Primary SFR 360 57.3
5000759455 885 MOANA CT PALO ALTO CA 94306 Primary SFR 360 30.0
5000759489 943 FRESNO AVE BERKELEY CA 94707 Primary SFR 360 75.0
5000759513 1307 CERRO VERDE SAN JOSE CA 95120 Primary SFR 360 77.1
5000759729 2200 SPRING MOUNTAIN ROAD SAINT HELEN CA 94574 Secondary SFR 360 60.2
5000759893 10040 MOSSY OAK CT CUPERTINO CA 95014 Primary PUD 360 80.0
5000759901 2269 RADIO AVE SAN JOSE CA 95125 Primary SFR 360 70.8
5000837665 6 S VISTA DE LA LUNA LAGUNA BEAC CA 92651 Primary PUD 360 65.9
5000837723 809 GARFIELD AVE SOUTH PASAD CA 91030 Primary SFR 360 80.0
5000837913 5616 VENTURA CANYON AVE L.A.(VAN NU CA 91401 Primary SFR 360 90.0
5000839976 8419 ELM AVE SAN GABRIEL CA 91775 Primary SFR 360 90.0
5000842749 6325 CASTEJON DR SAN DIEGO ( CA 92037 Primary SFR 360 55.3
5000843184 13491 GLENCLIFF WAY SAN DIEGO CA 92130 Primary PUD 360 55.2
5000843531 29092 N VIEW LANE ESCONDIDO CA 92026 Primary SFR 360 66.1
5000843721 3522 YOSEMITE ST SAN DIEGO CA 92109 Primary SFR 360 90.0
5000845270 38 MOUNTAIN VIEW IRVINE CA 92612 Primary PUD 360 80.0
5000945138 5289 LARCHWOOD DR SAN JOSE CA 95118 Primary SFR 360 80.0
5000945153 157 DARRYL DR CAMPBELL CA 95008 Primary SFR 360 80.0
5000945328 16711 WILLOW CREEK DR MORGAN HILL CA 95037 Primary SFR 360 66.3
5000945336 52 SANDERS RANCH RD MORAGA CA 94556 Primary PUD 360 78.8
5000945484 6147 OCEAN VIEW DR OAKLAND CA 94618 Primary SFR 360 80.0
5000947092 40 COMMONS LANE FOSTER CITY CA 94404 Primary PUD 360 80.0
62674731 1025 OLD CHESTER ROAD CHESTER NJ 7930 Primary SFR 360 69.4
64213099 12965 RESERVATION ROAD SALINAS CA 93908 Primary SFR 360 95.0
64599043 60 PROVIDENCE DR NORTHAMPTON PA 18954 Primary SFR 360 80.0
65030834 1251 N BRONCO LANE GILBERT AZ 85233 Primary PUD 360 89.8
65174402 133 CAMPO VISTA DR SANTA BARBA CA 93111 Primary PUD 360 64.9
65180828 144 PURDUE AVE KENSINGTON CA 94708 Primary SFR 360 51.2
65298357 29162 MURRE LANE LAGUNA NIGU CA 92677 Primary PUD 360 78.2
65457196 3704 ROSECROFT LANE SAN DIEGO CA 92106 Primary SFR 360 49.5
65471962 45 COASTAL OAK ALISO VIEJO CA 92656 Primary PUD 360 80.0
65482824 17427 N. HORSESHOE DR. SURPRISE AZ 85374 Primary PUD 360 68.6
65547101 1102 SCOTCH HEATHER MT AIRY MD 21771 Primary PUD 360 92.9
65548132 25 HUNTINGTON DR BURLINGTON NJ 8016 Primary SFR 360 65.0
65554515 4044 22ND ST SAN FRANCIS CA 94114 Primary SFR 360 75.1
65554981 6620 REMSEN COURT CARLSBAD CA 92009 Primary PUD 360 57.1
65577507 609 MAC ARTHUR AVE REDWOOD CIT CA 94063 Primary SFR 360 90.0
65595939 313 DURHAM DR RADNOR TOWN PA 19085 Primary PUD 360 62.3
65640047 137 STARCREST IRVINE CA 92612 Primary PUD 360 52.0
65712374 9030 MARILYN TERRACE COMMERCE MI 48382 Primary SFR 360 75.0
65747666 LOT 19 BARRINGTON DRIVE BEDFORD NH 3110 Primary SFR 360 85.8
65756983 625 CUENCA WAY FREMONT CA 94536 Investor SFR 360 57.8
65756991 40801 STOCKTON WAY FREMONT CA 94538 Investor SFR 360 64.0
65805461 12 PEPPERTREE ALISO VIEJO CA 92656 Primary PUD 360 79.9
65812956 233 ROBIN HOOD PL COSTA MESA CA 92627 Primary SFR 360 80.0
65864506 18 REGALO DR MISSION VIE CA 92692 Primary PUD 360 57.5
65879554 3620 FIGUEROA ST GLENDALE CA 91206 Primary SFR 360 46.2
65914295 365 CRESCENT AVE SAN FRANCIS CA 94110 Investor SFR 360 61.7
65915381 1112 HAMILTON AVE PALO ALTO CA 94301 Primary SFR 360 45.9
65919891 708 MAPLEWOOD AVE PALO ALTO CA 94303 Primary SFR 360 74.4
65954921 28456 VIA JOYCE DR SAUGUS CA 91350 Primary SFR 360 80.0
66014476 28985 MOUNTAIN MEADOW RD ESCONDIDO CA 92026 Primary SFR 360 56.5
66050928 1855 E CASTLEBROOK DR FRESNO CA 93720 Primary SFR 360 90.0
66058961 25819 SE 25TH WAY ISSAQUAH WA 98029 Primary SFR 360 68.7
66091764 54 MARLBORO ST NEWTON MA 2458 Primary SFR 360 80.0
66117321 19 CLOUDSTONE SANTA FE NM 87505 Primary PUD 360 79.5
66147409 5345 BELLAIRE AVE LOS ANGELES CA 91607 Primary SFR 360 73.3
66155037 4 BLAZURE DR BERNARDSVIL NJ 7924 Primary SFR 360 80.0
66172641 8 TERSOLO RD HAVERHILL MA 1832 Primary SFR 360 95.0
66172667 24 WILSON POND LANE ROWLEY MA 1969 Primary SFR 360 80.0
66247187 5 LAKEWOOD RD NATICK MA 1760 Primary SFR 360 88.2
66313180 11545 ALLEN TUSTIN CA 92782 Primary PUD 360 90.0
66313325 11530 ALLEN TUSTIN CA 92780 Primary PUD 360 90.0
66379709 17349 CREEKSIDE CT MONTE SEREN CA 95030 Primary SFR 360 80.0
66389186 1536 VERSAILLES AVE ALAMEDA CA 94501 Primary SFR 360 80.0
66436001 3607 CONSUELO AVE THOUSAND OA CA 91360 Primary SFR 360 89.9
66564832 815 SPRING DR WALNUT CREE CA 94596 Primary SFR 360 80.0
66598419 1052 SPINNAKER RUN COSTA MESA CA 92627 Primary PUD 360 90.0
66600715 20523 ECHO CT GROVELAND CA 95321 Primary PUD 360 75.0
66608694 10501 ANDORA AVE LA (CHATSWO CA 91311 Primary SFR 360 78.4
66613230 1812 DORA DR CARDIFF CA 92007 Primary SFR 360 80.0
66629179 2976 FERDIG TUSTIN CA 92782 Primary PUD 360 80.0
66642329 1020 STONERIDGE DR PASADNA CA 91105 Primary SFR 360 67.2
66643058 5020 MOHR VALLEY BLOOMFIELD MI 48304 Primary SFR 360 87.6
66684340 19240 HIDDEN SPRINGS LN LOS GATOS CA 95033 Primary SFR 360 54.6
66739926 1737 CEDAR ST SAN CARLOS CA 94070 Primary SFR 360 73.5
66806127 2540 PRESTONWOOD DRIVE PLANO TX 75093 Primary SFR 360 80.0
66831024 558 28TH AVE #101 SAN FRANCIS CA 94121 Primary Condo 360 90.0
66850983 1990 22ND AVE SAN FRANCIS CA 94116 Primary SFR 360 80.0
5000094283 5914 BRUNS CT OAKLAND CA 94611 Primary SFR 360 80.0
5000095934 785 WALLEA DR MENLO PARK CA 94025 Primary SFR 360 77.8
5000095959 548 FATHOM DR SAN MATEO CA 94404 Primary PUD 360 61.7
5000096874 611 AUGUSTA DR MORAGA CA 94556 Primary PUD 360 74.4
5000096940 43508 LAUREL GLEN COMMON FREMONT CA 94539 Primary SFR 360 80.0
5000097286 4943 SMITH CANYON CT SAN DIEGO CA 92130 Primary SFR 360 80.0
5000097542 305 PEPPER AVE HILLSBOROUG CA 94010 Primary SFR 360 45.8
5000097567 1062 LORNE WAY SUNNYVALE CA 94087 Primary SFR 360 71.3
5000097807 23 DARLENE CT ALAMO CA 94507 Primary SFR 360 64.0
5000097963 11 ALTAMOUNT DR ORINDA CA 94563 Primary SFR 360 80.0
5000098037 440 GELLERT DR SAN FRANCIS CA 94132 Primary SFR 360 80.0
5000098524 5432 CRIMSON CIRCLE FREMONT CA 94538 Primary SFR 360 80.0
5000098862 2 CHICAGO WAY SAN FRANCIS CA 94112 Primary SFR 360 75.0
5000099100 167 RUBY AVE SAN CARLOS CA 94070 Primary SFR 360 77.4
5000099142 1076 CATHCART WAY STANFORD CA 94305 Primary SFR 360 77.0
5000099456 2720 MIRA BELLA CIRC MORGAN HILL CA 95037 Primary SFR 360 75.5
5000101229 852 NEPTUNE CT SAN MATEO CA 94404 Primary PUD 360 90.0
5000101880 240 S BALSAMINA WAY PORTOLA VAL CA 94028 Primary SFR 360 49.0
5000117035 11045 E TURNBERRY ROAD SCOTTSDALE AZ 85255 Secondary PUD 360 80.0
5000117555 2785 JACKSON ST #6 SAN FRANCIS CA 94115 Primary Condo 360 33.8
5000117589 1014 FASSLER AVE PACIFICA CA 94044 Primary SFR 360 79.3
5000117696 298 JUANITA WAY SAN FRANCIS CA 94127 Primary SFR 360 66.8
5000119239 21 STILLMAN ST #3 SAN FRANCIS CA 94107 Primary Condo 360 78.4
5000124437 5027 COMMONWEALTH AVE LA CANADA F CA 91011 Primary SFR 360 64.5
5000124783 209 30TH ST NEWPORT BEA CA 92663 Primary 2-Family 360 71.2
5000128008 6560 ROLLING OAKS DR SAN JOSE CA 95120 Primary SFR 360 69.6
5000128677 4586 THORNHAVEN WAY SAN JOSE CA 95111 Primary SFR 360 80.0
</TABLE>
<TABLE>
<CAPTION>
(continued)
LOAN# RATE FIRSTPAYDT MAT DT PANDI SCHPTD ORIG BAL ACT BALANCE SCH BALANCE
<S> <C> <C> <C> <C> <C> <C> <C> <C>
5000009919 7.125 5/1/1999 4/1/2029 $2,694.88 5/1/1999 $400,000 $399,680.12 $399,680.12
5000011592 7 5/1/1999 4/1/2029 $2,574.73 5/1/1999 $387,000 $387,000.00 $386,682.77
5000013523 7.25 6/1/1999 5/1/2029 $2,613.42 5/1/1999 $383,100 $383,100.00 $383,100.00
5000023340 7.375 5/1/1999 4/1/2029 $3,315.25 5/1/1999 $480,000 $480,000.00 $479,634.75
5000024066 6.875 5/1/1999 4/1/2029 $1,929.40 5/1/1999 $293,700 $293,700.00 $293,453.26
5000035237 7 5/1/1999 4/1/2029 $1,995.91 5/1/1999 $300,000 $300,000.00 $299,754.09
5000037431 7.25 5/1/1999 4/1/2029 $1,770.25 5/1/1999 $259,500 $259,297.56 $259,297.56
5000039585 7 5/1/1999 4/1/2029 $2,245.40 5/1/1999 $337,500 $337,500.00 $337,223.35
5000039833 7.125 5/1/1999 4/1/2024 $2,058.55 5/1/1999 $288,000 $288,000.00 $287,651.45
5000039999 7.25 6/1/1999 5/1/2029 $2,148.86 5/1/1999 $315,000 $315,000.00 $315,000.00
5000047604 7.625 5/1/1999 4/1/2029 $3,108.64 5/1/1999 $439,200 $438,882.11 $438,882.11
5000049063 7.375 5/1/1999 4/1/2029 $2,072.03 5/1/1999 $300,000 $300,000.00 $299,771.72
5000052562 7.375 5/1/1999 4/1/2029 $1,795.76 5/1/1999 $260,000 $260,000.00 $259,802.16
5000075555 7 5/1/1999 4/1/2029 $2,224.11 5/1/1999 $334,300 $334,025.97 $334,025.97
5000085547 7.375 5/1/1999 4/1/2029 $2,002.96 5/1/1999 $290,000 $290,000.00 $289,779.33
5000087717 6.625 5/1/1999 4/1/2029 $2,177.06 5/1/1999 $340,000 $340,000.00 $339,700.02
5000090497 7.875 5/1/1999 4/1/2029 $2,505.85 5/1/1999 $345,600 $345,600.00 $345,362.15
5000092493 7.125 5/1/1999 4/1/2029 $2,452.34 5/1/1999 $364,000 $364,000.00 $363,708.91
5000093889 7.5 5/1/1999 4/1/2029 $2,753.16 5/1/1999 $393,750 $393,457.78 $393,457.78
5000094259 7.375 5/1/1999 4/1/2029 $2,417.37 5/1/1999 $350,000 $350,000.00 $349,733.67
5000128925 6.875 5/1/1999 4/1/2029 $2,397.80 5/1/1999 $365,000 $365,000.00 $364,693.35
5000129253 6.875 5/1/1999 4/1/2029 $2,049.62 5/1/1999 $312,000 $312,000.00 $311,737.88
5000139344 7 5/1/1999 4/1/2029 $3,214.75 5/1/1999 $483,200 $483,200.00 $482,803.92
5000139658 7.25 5/1/1999 4/1/2029 $3,308.56 5/1/1999 $485,000 $484,621.65 $484,621.65
5000140474 7.125 5/1/1999 4/1/2029 $2,694.88 5/1/1999 $400,000 $400,000.00 $399,680.12
5000140961 7.25 6/1/1999 5/1/2029 $2,563.62 5/1/1999 $375,800 $375,800.00 $375,800.00
5000141035 6.875 6/1/1999 5/1/2029 $1,939.26 5/1/1999 $295,200 $295,200.00 $295,200.00
5000141761 7.375 5/1/1999 4/1/2029 $1,795.76 5/1/1999 $260,000 $260,000.00 $259,802.16
5000142181 6.75 5/1/1999 4/1/2029 $3,191.11 5/1/1999 $492,000 $492,000.00 $491,576.39
5000143791 7.125 6/1/1999 5/1/2029 $2,391.71 5/1/1999 $355,000 $355,000.00 $355,000.00
5000143817 7.125 5/1/1999 4/1/2029 $1,669.14 5/1/1999 $247,750 $247,551.88 $247,551.88
5000144054 7.125 5/1/1999 4/1/2029 $1,670.15 5/1/1999 $247,900 $247,701.76 $247,701.76
5000163591 6.875 5/1/1999 4/1/2029 $1,806.56 5/1/1999 $275,000 $275,000.00 $274,768.96
5000175538 7.25 5/1/1999 4/1/2029 $3,045.24 5/1/1999 $446,400 $446,051.76 $446,051.76
5000176049 7 5/1/1999 4/1/2029 $1,995.91 5/1/1999 $300,000 $300,000.00 $299,754.09
5000176064 7.25 6/1/1999 5/1/2029 $2,728.37 5/1/1999 $399,950 $399,950.00 $399,950.00
5000176320 7.25 5/1/1999 4/1/2029 $3,008.40 5/1/1999 $441,000 $441,000.00 $440,655.98
5000176726 7.125 5/1/1999 4/1/2029 $1,785.36 5/1/1999 $265,000 $264,788.08 $264,788.08
5000176809 6.875 5/1/1999 4/1/2029 $2,654.00 5/1/1999 $404,000 $404,000.00 $403,660.58
5000176882 7.375 6/1/1999 5/1/2029 $2,704.00 5/1/1999 $391,500 $391,500.00 $391,500.00
5000178060 7.125 5/1/1999 4/1/2029 $2,748.78 5/1/1999 $408,000 $408,000.00 $407,673.72
5000178839 7.25 5/1/1999 4/1/2029 $1,779.12 5/1/1999 $260,800 $260,800.00 $260,596.55
5000178862 7.25 5/1/1999 4/1/2029 $2,894.48 5/1/1999 $424,300 $423,969.00 $423,969.00
5000179076 7.25 5/1/1999 4/1/2029 $2,558.17 5/1/1999 $375,000 $375,000.00 $374,707.46
5000179092 7.125 5/1/1999 4/1/2029 $1,913.37 5/1/1999 $284,000 $284,000.00 $283,772.88
5000179258 7.25 5/1/1999 4/1/2029 $1,705.45 5/1/1999 $250,000 $250,000.00 $249,804.97
5000179498 6.875 6/1/1999 5/1/2029 $2,280.86 5/1/1999 $347,200 $347,200.00 $347,200.00
5000179779 7.125 5/1/1999 4/1/2029 $1,879.68 5/1/1999 $279,000 $279,000.00 $278,776.88
5000180397 7 5/1/1999 4/1/2029 $2,128.97 5/1/1999 $320,000 $320,000.00 $319,737.70
5000180462 6.875 6/1/1999 5/1/2029 $2,501.59 5/1/1999 $380,800 $380,800.00 $380,800.00
5000180470 6.75 4/1/1999 3/1/2029 $1,686.36 5/1/1999 $260,000 $259,776.14 $259,551.02
5000181866 7.5 5/1/1999 4/1/2029 $2,326.29 5/1/1999 $332,700 $332,700.00 $332,453.09
5000182443 7.25 5/1/1999 4/1/2029 $2,837.86 5/1/1999 $416,000 $416,000.00 $415,675.47
5000182492 7 5/1/1999 4/1/2029 $2,341.20 5/1/1999 $351,900 $351,900.00 $351,611.55
5000182559 7 5/1/1999 4/1/2029 $2,395.09 5/1/1999 $360,000 $360,000.00 $359,704.91
5000182997 7 5/1/1999 4/1/2029 $4,324.47 5/1/1999 $650,000 $650,000.00 $649,467.20
5000183227 7.25 5/1/1999 4/1/2029 $2,046.53 5/1/1999 $300,000 $299,765.97 $299,765.97
5000183235 7.25 5/1/1999 4/1/2029 $2,489.95 5/1/1999 $365,000 $364,715.26 $364,715.26
5000183391 7 6/1/1999 5/1/2029 $1,873.50 5/1/1999 $281,600 $281,600.00 $281,600.00
5000183557 7.375 5/1/1999 4/1/2029 $3,363.59 5/1/1999 $487,000 $487,000.00 $486,629.43
5000184217 7.25 6/1/1999 5/1/2029 $2,013.79 5/1/1999 $295,200 $295,200.00 $295,200.00
5000184290 7.25 5/1/1999 4/1/2029 $1,691.80 5/1/1999 $248,000 $248,000.00 $247,806.53
5000184464 7 5/1/1999 4/1/2029 $1,896.12 5/1/1999 $285,000 $285,000.00 $284,766.38
5000184639 6.875 5/1/1999 4/1/2029 $2,417.50 5/1/1999 $368,000 $368,000.00 $367,690.83
5000184688 6.75 5/1/1999 4/1/2029 $2,091.09 5/1/1999 $322,400 $322,122.41 $322,122.41
5000184944 7.875 5/1/1999 4/1/2029 $1,969.29 5/1/1999 $271,600 $271,600.00 $271,413.09
5000197037 7 5/1/1999 4/1/2029 $2,228.77 5/1/1999 $335,000 $335,000.00 $334,725.40
5000200203 7 5/1/1999 4/1/2029 $1,690.87 5/1/1999 $254,150 $254,150.00 $253,941.67
5000213412 7.375 6/1/1999 5/1/2029 $2,403.55 5/1/1999 $348,000 $348,000.00 $348,000.00
5000215243 6.875 6/1/1999 5/1/2029 $2,233.56 5/1/1999 $340,000 $340,000.00 $340,000.00
5000223585 7 6/1/1999 5/1/2029 $2,634.60 5/1/1999 $396,000 $396,000.00 $396,000.00
5000226679 7.25 5/1/1999 4/1/2029 $1,730.00 5/1/1999 $253,600 $253,402.17 $253,402.17
5000227321 6.75 5/1/1999 4/1/2029 $3,891.59 5/1/1999 $600,000 $599,483.41 $599,483.41
5000227784 7 5/1/1999 4/1/2029 $2,347.19 5/1/1999 $352,800 $352,800.00 $352,510.81
5000228139 7.375 5/1/1999 4/1/2029 $2,417.37 5/1/1999 $350,000 $350,000.00 $349,733.67
5000229129 7 6/1/1999 5/1/2029 $2,162.24 5/1/1999 $325,000 $325,000.00 $325,000.00
5000229996 7.25 6/1/1999 5/1/2029 $2,263.47 5/1/1999 $331,800 $331,800.00 $331,800.00
5000230176 7.375 6/1/1999 5/1/2029 $1,851.01 5/1/1999 $268,000 $268,000.00 $268,000.00
5000230416 7.25 6/1/1999 5/1/2029 $2,148.86 5/1/1999 $315,000 $315,000.00 $315,000.00
5000230606 7.375 5/1/1999 4/1/2029 $2,845.59 5/1/1999 $412,000 $412,000.00 $411,686.49
5000230713 7.375 6/1/1999 5/1/2029 $2,050.62 5/1/1999 $296,900 $296,900.00 $296,900.00
5000233097 7.25 5/1/1999 4/1/2029 $2,650.26 5/1/1999 $388,500 $388,196.93 $388,196.93
5000235738 7 5/1/1999 4/1/2029 $3,521.12 5/1/1999 $529,250 $529,250.00 $528,816.17
5000241611 7.125 6/1/1999 5/1/2029 $1,664.09 5/1/1999 $247,000 $247,000.00 $247,000.00
5000242957 7.25 5/1/1999 4/1/2029 $1,789.05 5/1/1999 $262,255 $262,050.41 $262,050.41
5000252535 6.875 6/1/1999 5/1/2029 $1,616.05 5/1/1999 $246,000 $246,000.00 $246,000.00
5000257336 7.25 5/1/1999 4/1/2029 $1,884.86 5/1/1999 $276,300 $276,300.00 $276,084.45
5000266956 7.5 5/1/1999 4/1/2029 $1,982.28 5/1/1999 $283,500 $283,500.00 $283,289.60
5000266998 6.75 5/1/1999 4/1/2029 $2,075.52 5/1/1999 $320,000 $320,000.00 $319,724.48
5000271139 6.5 4/1/1999 3/1/2029 $1,820.36 5/1/1999 $288,000 $287,739.64 $287,477.87
5000277102 7.125 5/1/1999 4/1/2029 $2,314.23 5/1/1999 $343,500 $343,500.00 $343,225.30
5000277995 7.25 5/1/1999 4/1/2029 $2,046.53 5/1/1999 $300,000 $298,765.97 $298,765.97
5000278258 7.25 5/1/1999 4/1/2029 $2,646.85 5/1/1999 $388,000 $387,697.32 $387,697.32
5000280452 7.25 5/1/1999 4/1/2029 $3,922.52 5/1/1999 $575,000 $574,551.44 $574,551.44
5000286715 6.75 5/1/1999 4/1/2029 $2,853.84 5/1/1999 $440,000 $440,000.00 $439,621.16
5000291210 7.375 5/1/1999 4/1/2029 $3,985.20 5/1/1999 $577,000 $577,000.00 $576,560.95
5000292069 6.5 5/1/1999 4/1/2029 $2,465.07 5/1/1999 $390,000 $389,647.43 $389,647.43
5000293430 7 5/1/1999 4/1/2029 $2,128.97 5/1/1999 $320,000 $320,000.00 $319,737.70
5000295625 7 5/1/1999 4/1/2029 $2,993.87 5/1/1999 $450,000 $450,000.00 $449,631.13
5000295807 7 5/1/1999 4/1/2029 $1,809.63 5/1/1999 $272,000 $272,000.00 $271,777.04
5000296508 6.5 5/1/1999 4/1/2029 $1,801.40 5/1/1999 $285,000 $285,000.00 $284,742.35
5000297118 7 5/1/1999 4/1/2029 $3,160.19 5/1/1999 $475,000 $475,000.00 $474,610.64
5000297753 7 5/1/1999 4/1/2029 $2,682.50 5/1/1999 $403,200 $403,200.00 $402,869.50
5000298652 6.75 5/1/1999 4/1/2029 $1,738.25 5/1/1999 $268,000 $267,769.25 $267,769.25
5000298686 6.875 5/1/1999 4/1/2029 $3,363.48 5/1/1999 $512,000 $512,000.00 $511,569.85
5000308824 7.25 5/1/1999 4/1/2029 $2,435.37 5/1/1999 $357,000 $356,721.51 $356,721.51
5000311737 7.25 5/1/1999 4/1/2029 $1,974.91 5/1/1999 $289,500 $289,274.15 $289,274.15
5000312594 6.875 5/1/1999 4/1/2029 $3,179.54 5/1/1999 $484,000 $484,000.00 $483,593.38
5000315019 7.25 5/1/1999 4/1/2029 $2,914.26 5/1/1999 $427,200 $426,866.74 $426,866.74
5000315175 7 5/1/1999 4/1/2029 $1,869.51 5/1/1999 $281,000 $280,769.66 $280,769.66
5000316017 6.75 6/1/1999 5/1/2029 $1,790.14 5/1/1999 $276,000 $276,000.00 $276,000.00
5000316397 7.25 5/1/1999 4/1/2029 $2,333.05 5/1/1999 $342,000 $342,000.00 $341,733.20
5000317114 7.5 5/1/1999 4/1/2029 $1,887.88 5/1/1999 $270,000 $270,000.00 $269,799.62
5000317999 7 5/1/1999 4/1/2029 $1,828.26 5/1/1999 $274,800 $274,800.00 $274,574.74
5000318856 6.875 5/1/1999 4/1/2029 $1,732.98 5/1/1999 $263,800 $263,575.66 $263,575.66
5000318963 6.75 6/1/1999 5/1/2029 $2,170.86 5/1/1999 $334,700 $334,700.00 $334,700.00
5000320118 7 5/1/1999 4/1/2029 $1,829.59 5/1/1999 $275,000 $275,000.00 $274,774.58
5000320258 7.375 6/1/1999 5/1/2029 $1,816.48 5/1/1999 $263,000 $263,000.00 $263,000.00
5000321082 7.5 5/1/1999 4/1/2029 $2,687.65 5/1/1999 $384,380 $382,861.73 $382,566.97
5000322817 7.125 5/1/1999 4/1/2029 $1,913.37 5/1/1999 $284,000 $284,000.00 $283,772.88
5000324748 7.375 5/1/1999 4/1/2029 $1,973.61 5/1/1999 $285,750 $285,506.17 $285,506.17
5000327030 7.5 6/1/1999 5/1/2029 $1,713.08 5/1/1999 $245,000 $244,096.47 $244,096.47
5000328236 6.875 5/1/1999 4/1/2029 $2,036.48 5/1/1999 $310,000 $310,000.00 $309,739.56
5000328442 7.25 6/1/1999 5/1/2029 $2,210.26 5/1/1999 $324,000 $324,000.00 $324,000.00
5000331024 7.25 5/1/1999 4/1/2029 $2,354.50 5/1/1999 $345,144 $345,144.00 $344,874.75
5000343961 6.75 5/1/1999 4/1/2029 $2,432.25 5/1/1999 $375,000 $375,000.00 $374,677.13
5000347855 6.75 4/1/1999 3/1/2029 $1,692.85 5/1/1999 $261,000 $260,549.29 $260,549.29
5000348267 6.75 4/1/1999 3/1/2029 $1,945.80 5/1/1999 $300,000 $299,481.95 $299,481.95
5000348820 7.125 5/1/1999 4/1/2029 $4,042.32 5/1/1999 $600,000 $600,000.00 $599,520.18
5000359041 6.875 5/1/1999 4/1/2029 $1,642.33 5/1/1999 $250,000 $249,789.96 $249,789.96
5000365634 7 5/1/1999 4/1/2029 $1,942.69 5/1/1999 $292,000 $292,000.00 $291,760.64
5000391903 7.5 5/1/1999 4/1/2029 $2,251.48 5/1/1999 $322,000 $322,000.00 $321,761.02
5000392539 7 5/1/1999 4/1/2029 $2,274.67 5/1/1999 $341,900 $341,900.00 $341,619.75
5000395888 6.75 5/1/1999 4/1/2029 $2,241.56 5/1/1999 $345,600 $345,600.00 $345,302.44
5000399864 7 5/1/1999 4/1/2029 $2,328.56 5/1/1999 $350,000 $350,000.00 $349,713.11
5000400860 6.75 4/1/1999 3/1/2029 $3,243.00 5/1/1999 $500,000 $499,569.50 $499,136.58
5000401207 6.75 4/1/1999 3/1/2029 $1,971.74 5/1/1999 $304,000 $303,738.26 $303,475.05
5000401686 6.75 5/1/1999 4/1/2029 $2,257.13 5/1/1999 $348,000 $347,700.37 $347,700.37
5000402148 7.125 5/1/1999 4/1/2029 $2,034.64 5/1/1999 $302,000 $301,758.49 $301,758.49
5000403575 7.5 6/1/1999 5/1/2029 $1,937.88 5/1/1999 $277,150 $277,150.00 $277,150.00
5000406669 7 5/1/1999 4/1/2029 $2,009.22 5/1/1999 $302,000 $302,000.00 $301,752.45
5000407733 6.75 4/1/1999 3/1/2029 $1,800.51 5/1/1999 $277,600 $277,120.64 $277,120.64
5000408350 7 5/1/1999 4/1/2029 $1,836.24 5/1/1999 $276,000 $275,773.76 $275,773.76
5000408806 6.75 4/1/1999 3/1/2029 $2,354.42 5/1/1999 $363,000 $362,641.88 $362,327.32
5000409671 6.625 4/1/1999 3/1/2029 $2,721.33 5/1/1999 $425,000 $424,625.02 $424,247.97
5000410133 7 5/1/1999 4/1/2029 $3,293.25 5/1/1999 $495,000 $495,000.00 $494,594.25
5000410166 6.75 5/1/1999 4/1/2029 $3,979.15 5/1/1999 $613,500 $613,474.64 $612,946.28
5000412014 7.875 5/1/1999 4/1/2029 $1,885.19 5/1/1999 $260,000 $260,000.00 $259,821.06
5000412097 6.875 5/1/1999 4/1/2029 $1,721.16 5/1/1999 $262,000 $260,048.86 $260,048.86
5000414895 6.75 4/1/1999 3/1/2029 $3,891.59 5/1/1999 $600,000 $599,283.41 $598,762.79
5000415561 6.875 5/1/1999 4/1/2029 $2,463.49 5/1/1999 $375,000 $375,000.00 $374,684.95
5000415892 7.375 5/1/1999 4/1/2029 $2,047.86 5/1/1999 $296,500 $296,500.00 $296,274.38
5000416619 6.875 5/1/1999 4/1/2029 $2,522.61 5/1/1999 $384,000 $384,000.00 $383,677.39
5000420256 7.375 5/1/1999 4/1/2029 $1,989.15 5/1/1999 $288,000 $287,780.85 $287,780.85
5000420777 6.75 4/1/1999 3/1/2029 $2,594.40 5/1/1999 $400,000 $399,655.60 $399,309.26
5000420819 6.75 5/1/1999 4/1/2029 $2,257.13 5/1/1999 $348,000 $347,700.37 $347,700.37
5000421411 6.75 5/1/1999 4/1/2029 $2,270.10 5/1/1999 $350,000 $350,000.00 $349,698.65
5000421718 6.75 5/1/1999 4/1/2029 $3,145.71 5/1/1999 $485,000 $485,000.00 $484,582.42
5000422740 7.375 5/1/1999 4/1/2029 $2,417.37 5/1/1999 $350,000 $350,000.00 $349,733.67
5000426121 7.25 5/1/1999 4/1/2029 $3,192.59 5/1/1999 $468,000 $467,507.13 $467,507.13
5000426592 7.375 5/1/1999 4/1/2029 $1,852.40 5/1/1999 $268,200 $268,200.00 $267,995.91
5000426766 7.125 5/1/1999 4/1/2029 $2,518.36 5/1/1999 $373,800 $373,800.00 $373,501.08
5000426808 7.125 5/1/1999 4/1/2029 $1,770.54 5/1/1999 $262,800 $262,589.84 $262,589.84
5000426816 7.75 5/1/1999 4/1/2029 $2,955.21 5/1/1999 $412,500 $412,500.00 $412,208.85
5000427178 7.125 5/1/1999 4/1/2029 $2,182.85 5/1/1999 $324,000 $324,000.00 $323,740.90
5000429745 6.875 5/1/1999 4/1/2029 $2,627.72 5/1/1999 $400,000 $400,000.00 $399,663.95
5000429968 7.25 6/1/1999 5/1/2029 $2,073.82 5/1/1999 $304,000 $304,000.00 $304,000.00
5000435031 7 5/1/1999 4/1/2029 $2,085.72 5/1/1999 $313,500 $313,243.03 $313,243.03
5000435247 7.5 5/1/1999 4/1/2029 $1,787.19 5/1/1999 $255,600 $255,600.00 $255,410.31
5000435296 7.125 5/1/1999 4/1/2029 $2,155.90 5/1/1999 $320,000 $319,700.00 $319,700.00
5000435304 7.125 5/1/1999 4/1/2029 $1,792.09 5/1/1999 $266,000 $266,000.00 $265,787.29
5000435346 7.375 5/1/1999 4/1/2029 $2,023.68 5/1/1999 $293,000 $293,000.00 $292,777.05
5000435411 7.25 5/1/1999 4/1/2029 $2,844.68 5/1/1999 $417,000 $417,000.00 $416,674.70
5000435635 7.375 5/1/1999 4/1/2029 $1,933.89 5/1/1999 $280,000 $280,000.00 $279,786.94
5000435676 7.25 5/1/1999 4/1/2029 $1,780.14 5/1/1999 $260,950 $260,950.00 $260,746.43
5000435783 7.625 5/1/1999 4/1/2029 $2,320.86 5/1/1999 $327,900 $327,662.67 $327,662.67
5000436666 7 6/1/1999 5/1/2029 $3,625.90 5/1/1999 $545,000 $545,000.00 $545,000.00
5000436740 6.75 5/1/1999 4/1/2029 $2,150.10 5/1/1999 $331,500 $331,500.00 $331,214.59
5000436773 6.75 6/1/1999 5/1/2029 $2,923.23 5/1/1999 $450,700 $450,700.00 $450,700.00
5000436898 7 5/1/1999 4/1/2029 $1,739.77 5/1/1999 $261,500 $261,138.74 $261,138.74
5000436955 6.875 6/1/1999 5/1/2029 $2,548.23 5/1/1999 $387,900 $387,900.00 $387,900.00
5000436989 7.25 9/1/1998 8/1/2028 $1,746.38 5/1/1999 $256,000 $254,368.12 $254,158.55
5000437227 7.25 5/1/1999 4/1/2029 $2,292.11 5/1/1999 $336,000 $336,000.00 $335,737.89
5000437250 7.25 5/1/1999 4/1/2029 $1,850.06 5/1/1999 $271,200 $271,200.00 $270,988.44
5000438118 6.75 4/1/1999 3/1/2029 $2,023.63 5/1/1999 $312,000 $311,461.23 $311,461.23
5000438167 6.75 4/1/1999 3/1/2029 $2,334.95 5/1/1999 $360,000 $359,399.54 $359,086.21
5000438316 7 5/1/1999 4/1/2029 $4,257.94 5/1/1999 $640,000 $640,000.00 $639,475.39
5000438407 6.625 5/1/1999 4/1/2029 $3,054.92 5/1/1999 $477,100 $477,100.00 $476,679.07
5000438944 7.125 5/1/1999 4/1/2029 $2,290.64 5/1/1999 $340,000 $340,000.00 $339,728.11
5000439181 7.25 5/1/1999 4/1/2029 $2,926.54 5/1/1999 $429,000 $428,665.34 $428,665.34
5000439330 7.125 5/1/1999 4/1/2029 $1,893.82 5/1/1999 $281,100 $280,875.21 $280,875.21
5000439421 6.75 4/1/1999 3/1/2029 $2,221.12 5/1/1999 $342,450 $342,155.16 $341,858.66
5000439462 7 4/1/1999 3/1/2029 $2,153.58 5/1/1999 $323,700 $323,434.67 $323,167.79
5000439546 7.125 5/1/1999 4/1/2029 $2,021.16 5/1/1999 $300,000 $300,000.00 $299,760.09
5000439660 7.25 5/1/1999 4/1/2029 $2,182.96 5/1/1999 $320,000 $319,568.46 $319,568.46
5000439678 7 5/1/1999 4/1/2029 $2,346.52 5/1/1999 $352,700 $352,700.00 $352,410.90
5000439710 7.25 5/1/1999 4/1/2029 $1,978.31 5/1/1999 $290,000 $290,000.00 $289,773.77
5000446053 7.5 6/1/1999 5/1/2029 $1,755.03 5/1/1999 $251,000 $250,813.72 $251,000.00
5000446343 7.125 5/1/1999 4/1/2029 $3,494.58 5/1/1999 $518,700 $518,700.00 $518,285.20
5000446459 7.25 6/1/1999 5/1/2029 $2,046.53 5/1/1999 $300,000 $300,000.00 $300,000.00
5000447564 7 5/1/1999 4/1/2019 $1,946.01 5/1/1999 $251,000 $251,000.00 $250,518.16
5000447812 7 5/1/1999 4/1/2029 $2,415.05 5/1/1999 $363,000 $363,000.00 $362,702.45
5000447838 6.75 5/1/1999 4/1/2029 $2,117.68 5/1/1999 $326,500 $326,500.00 $326,218.88
5000448588 6.875 5/1/1999 4/1/2029 $3,100.71 5/1/1999 $472,000 $472,000.00 $471,603.46
5000450303 7.25 5/1/1999 4/1/2029 $3,274.45 5/1/1999 $480,000 $480,000.00 $479,625.55
5000450733 7 5/1/1999 4/1/2029 $4,324.47 5/1/1999 $650,000 $650,000.00 $649,467.20
5000451822 7 6/1/1999 5/1/2029 $2,185.19 5/1/1999 $328,450 $328,450.00 $328,450.00
5000451855 7 5/1/1999 4/1/2029 $1,995.91 5/1/1999 $300,000 $300,000.00 $299,754.09
5000452390 7 5/1/1999 4/1/2029 $1,809.63 5/1/1999 $272,000 $272,000.00 $271,777.04
5000452580 7.375 5/1/1999 4/1/2029 $1,916.63 5/1/1999 $277,500 $277,500.00 $277,288.84
5000453034 7.125 5/1/1999 4/1/2029 $2,324.33 5/1/1999 $345,000 $345,000.00 $344,724.11
5000453133 7 5/1/1999 4/1/2029 $2,277.00 5/1/1999 $342,250 $341,969.46 $341,969.46
5000453182 7.125 6/1/1999 5/1/2029 $1,728.09 5/1/1999 $256,500 $256,500.00 $256,500.00
5000453489 7.375 6/1/1999 5/1/2029 $1,823.39 5/1/1999 $264,000 $264,000.00 $264,000.00
5000455831 7 5/1/1999 4/1/2029 $3,060.40 5/1/1999 $460,000 $460,000.00 $459,622.93
5000457258 7 5/1/1999 4/1/2029 $3,725.70 5/1/1999 $560,000 $560,000.00 $559,540.97
5000458082 7.5 5/1/1999 4/1/2029 $2,237.49 5/1/1999 $320,000 $320,000.00 $319,762.51
5000458215 7.25 6/1/1999 5/1/2029 $2,728.71 5/1/1999 $400,000 $400,000.00 $400,000.00
5000459866 7 6/1/1999 5/1/2029 $3,060.40 5/1/1999 $460,000 $460,000.00 $460,000.00
5000459973 7.125 5/1/1999 4/1/2029 $2,102.01 5/1/1999 $312,000 $311,750.49 $311,750.49
5000460336 7.5 5/1/1999 4/1/2029 $2,220.71 5/1/1999 $317,600 $317,364.29 $317,364.29
5000461193 7.25 6/1/1999 5/1/2029 $2,046.53 5/1/1999 $300,000 $300,000.00 $300,000.00
5000461417 7.25 6/1/1999 5/1/2029 $2,292.12 5/1/1999 $336,000 $336,000.00 $336,000.00
5000461482 7.125 6/1/1999 5/1/2029 $4,379.18 5/1/1999 $650,000 $650,000.00 $650,000.00
5000467166 7.25 5/1/1999 4/1/2029 $3,069.80 5/1/1999 $450,000 $450,000.00 $449,648.95
5000468883 7.125 5/1/1999 4/1/2029 $2,327.70 5/1/1999 $345,500 $345,500.00 $345,223.71
5000469915 7 6/1/1999 5/1/2029 $2,892.08 5/1/1999 $434,700 $434,700.00 $434,700.00
5000470335 7.375 5/1/1999 4/1/2029 $2,417.37 5/1/1999 $350,000 $350,000.00 $349,733.67
5000470368 7.125 5/1/1999 4/1/2029 $4,210.75 5/1/1999 $625,000 $625,000.00 $624,500.19
5000470509 7 6/1/1999 5/1/2029 $2,381.79 5/1/1999 $358,000 $358,000.00 $358,000.00
5000471291 7.125 6/1/1999 5/1/2029 $1,953.79 5/1/1999 $290,000 $290,000.00 $290,000.00
5000475391 7.5 5/1/1999 4/1/2029 $1,859.92 5/1/1999 $266,000 $265,802.58 $265,802.58
5000475433 7.375 5/1/1999 4/1/2029 $1,775.04 5/1/1999 $257,000 $257,000.00 $256,804.44
5000476209 7 6/1/1999 5/1/2029 $1,735.11 5/1/1999 $260,800 $260,800.00 $260,800.00
5000476837 7.375 5/1/1999 4/1/2029 $1,853.09 5/1/1999 $268,300 $268,300.00 $268,095.84
5000477348 7.25 5/1/1999 4/1/2029 $1,773.66 5/1/1999 $260,000 $259,797.17 $259,797.17
5000477876 7 6/1/1999 5/1/2029 $1,696.53 5/1/1999 $255,000 $255,000.00 $255,000.00
5000481886 7.125 5/1/1999 4/1/2029 $2,273.81 5/1/1999 $337,500 $337,500.00 $337,230.10
5000483718 7.25 5/1/1999 4/1/2029 $1,749.79 5/1/1999 $256,500 $256,500.00 $256,299.90
5000484724 7 5/1/1999 4/1/2029 $1,929.38 5/1/1999 $290,000 $290,000.00 $289,762.29
5000486554 7 5/1/1999 4/1/2029 $2,698.47 5/1/1999 $405,600 $405,600.00 $405,267.53
5000486828 6.875 6/1/1999 5/1/2029 $3,074.43 5/1/1999 $468,000 $468,000.00 $468,000.00
5000499052 7.25 5/1/1999 4/1/2029 $1,841.88 5/1/1999 $270,000 $270,000.00 $269,789.37
5000531185 7.25 6/1/1999 5/1/2029 $2,551.34 5/1/1999 $374,000 $374,000.00 $374,000.00
5000532852 7.25 5/1/1999 4/1/2029 $3,922.52 5/1/1999 $575,000 $575,000.00 $574,551.44
5000534502 7.25 5/1/1999 4/1/2029 $3,956.63 5/1/1999 $580,000 $580,000.00 $579,547.54
5000540194 7.125 6/1/1999 5/1/2029 $2,317.60 5/1/1999 $344,000 $344,000.00 $344,000.00
5000543719 7.375 5/1/1999 4/1/2029 $2,900.84 5/1/1999 $420,000 $420,000.00 $419,680.41
5000552520 7.5 5/1/1999 4/1/2029 $2,024.93 5/1/1999 $289,600 $289,600.00 $289,385.07
5000553387 7.25 5/1/1999 4/1/2029 $2,080.64 5/1/1999 $305,000 $305,000.00 $304,762.07
5000560077 7.25 5/1/1999 4/1/2029 $2,387.62 5/1/1999 $350,000 $350,000.00 $349,726.96
5000560697 7.25 6/1/1999 5/1/2029 $2,507.00 5/1/1999 $367,500 $367,500.00 $367,500.00
5000562701 7.125 6/1/1999 5/1/2029 $2,870.05 5/1/1999 $426,000 $426,000.00 $426,000.00
5000565464 7.375 5/1/1999 4/1/2029 $2,866.31 5/1/1999 $415,000 $414,684.21 $414,684.21
5000565472 7.125 5/1/1999 4/1/2029 $2,459.08 5/1/1999 $365,000 $365,000.00 $364,708.11
5000565860 7.25 5/1/1999 4/1/2029 $2,919.72 5/1/1999 $428,000 $427,666.11 $427,666.11
5000566652 7.125 5/1/1999 4/1/2029 $3,530.29 5/1/1999 $524,000 $523,580.25 $523,580.25
5000567627 7.25 5/1/1999 4/1/2029 $1,855.52 5/1/1999 $272,000 $272,000.00 $271,787.81
5000570936 7.125 5/1/1999 4/1/2029 $2,863.31 5/1/1999 $425,000 $425,000.00 $424,660.13
5000574359 7.375 5/1/1999 4/1/2029 $2,469.85 5/1/1999 $357,600 $357,600.00 $357,327.90
5000577717 7.25 5/1/1999 4/1/2029 $2,097.70 5/1/1999 $307,500 $307,500.00 $307,260.11
5000577899 7.875 5/1/1999 4/1/2029 $1,906.94 5/1/1999 $263,000 $262,819.00 $262,819.00
5000578236 7.5 5/1/1999 4/1/2029 $3,496.08 5/1/1999 $500,000 $500,000.00 $499,628.92
5000578426 7.25 6/1/1999 5/1/2029 $2,899.25 5/1/1999 $425,000 $425,000.00 $425,000.00
5000578566 7.125 5/1/1999 4/1/2029 $2,512.98 5/1/1999 $373,000 $373,000.00 $372,701.71
5000578707 7.125 5/1/1999 4/1/2029 $3,368.60 5/1/1999 $500,000 $500,000.00 $499,600.15
5000578798 7.5 5/1/1999 4/1/2029 $3,097.53 5/1/1999 $443,000 $443,000.00 $442,671.22
5000579200 7.125 6/1/1999 5/1/2029 $2,975.15 5/1/1999 $441,600 $441,600.00 $441,600.00
5000579275 7 6/1/1999 5/1/2029 $2,561.42 5/1/1999 $385,000 $385,000.00 $385,000.00
5000579390 7 6/1/1999 5/1/2029 $2,494.89 5/1/1999 $375,000 $375,000.00 $375,000.00
5000579622 7 5/1/1999 4/1/2029 $2,281.99 5/1/1999 $343,000 $343,000.00 $342,718.84
5000580133 6.75 6/1/1999 5/1/2029 $2,620.34 5/1/1999 $404,000 $404,000.00 $404,000.00
5000580174 7 5/1/1999 4/1/2029 $1,783.02 5/1/1999 $268,000 $267,780.31 $267,780.31
5000580182 7.125 6/1/1999 5/1/2029 $2,134.35 5/1/1999 $316,800 $316,800.00 $316,800.00
5000580190 7.25 6/1/1999 5/1/2029 $4,000.97 5/1/1999 $586,500 $586,500.00 $586,500.00
5000580265 7.25 6/1/1999 5/1/2029 $1,753.20 5/1/1999 $257,000 $257,000.00 $257,000.00
5000580356 7.25 5/1/1999 4/1/2029 $1,717.38 5/1/1999 $251,750 $251,750.00 $251,553.61
5000580596 7.25 6/1/1999 5/1/2029 $3,069.80 5/1/1999 $450,000 $450,000.00 $450,000.00
5000580851 7.25 6/1/1999 5/1/2029 $1,746.38 5/1/1999 $256,000 $256,000.00 $256,000.00
5000580992 7 6/1/1999 5/1/2029 $3,751.65 5/1/1999 $563,900 $563,900.00 $563,900.00
5000581297 7.25 6/1/1999 5/1/2029 $2,592.27 5/1/1999 $380,000 $380,000.00 $380,000.00
5000581768 7.5 6/1/1999 5/1/2029 $1,957.11 5/1/1999 $279,900 $279,900.00 $279,900.00
5000581891 7.125 6/1/1999 5/1/2029 $3,766.09 5/1/1999 $559,000 $559,000.00 $559,000.00
5000581958 7.25 6/1/1999 5/1/2029 $2,295.53 5/1/1999 $336,500 $336,500.00 $336,500.00
5000582089 7.125 5/1/1999 4/1/2029 $1,920.10 5/1/1999 $285,000 $285,000.00 $284,772.09
5000582105 7 6/1/1999 5/1/2029 $2,927.34 5/1/1999 $440,000 $440,000.00 $440,000.00
5000584663 7.25 6/1/1999 5/1/2029 $4,284.07 5/1/1999 $628,000 $628,000.00 $628,000.00
5000591445 7.125 5/1/1999 4/1/2029 $3,321.44 5/1/1999 $493,000 $493,000.00 $492,605.75
5000591452 7.25 5/1/1999 4/1/2029 $2,871.97 5/1/1999 $421,000 $421,000.00 $420,671.57
5000591908 7.25 6/1/1999 5/1/2029 $2,551.34 5/1/1999 $374,000 $374,000.00 $374,000.00
5000591981 7 6/1/1999 5/1/2029 $2,248.73 5/1/1999 $338,000 $338,000.00 $338,000.00
5000592013 7.375 6/1/1999 5/1/2029 $2,458.12 5/1/1999 $355,900 $355,900.00 $355,900.00
5000592641 6.875 6/1/1999 5/1/2029 $3,028.45 5/1/1999 $461,000 $461,000.00 $461,000.00
5000593599 7.125 5/1/1999 4/1/2029 $4,379.18 5/1/1999 $650,000 $650,000.00 $649,480.20
5000593755 7 5/1/1999 4/1/2029 $2,767.66 5/1/1999 $416,000 $415,659.01 $415,659.01
5000594233 7.5 5/1/1999 4/1/2029 $2,726.94 5/1/1999 $390,000 $389,710.56 $389,710.56
5000594597 7.25 5/1/1999 4/1/2029 $2,341.23 5/1/1999 $343,200 $342,932.27 $342,932.27
5000595552 7.375 5/1/1999 4/1/2029 $2,624.57 5/1/1999 $380,000 $379,710.85 $379,710.85
5000596147 7.25 6/1/1999 5/1/2029 $1,746.38 5/1/1999 $256,000 $256,000.00 $256,000.00
5000596220 7 6/1/1999 5/1/2029 $2,494.89 5/1/1999 $375,000 $375,000.00 $375,000.00
5000596238 7.25 6/1/1999 5/1/2029 $4,311.36 5/1/1999 $632,000 $632,000.00 $632,000.00
5000596311 7 6/1/1999 5/1/2029 $2,827.54 5/1/1999 $425,000 $425,000.00 $425,000.00
5000596352 7 6/1/1999 5/1/2029 $1,896.12 5/1/1999 $285,000 $285,000.00 $285,000.00
5000596618 7.375 6/1/1999 5/1/2029 $2,524.42 5/1/1999 $365,500 $365,500.00 $365,500.00
5000596642 7.125 6/1/1999 5/1/2029 $3,341.65 5/1/1999 $496,000 $496,000.00 $496,000.00
5000596824 7 6/1/1999 5/1/2029 $1,949.34 5/1/1999 $293,000 $293,000.00 $293,000.00
5000597228 7.5 5/1/1999 4/1/2029 $1,859.92 5/1/1999 $266,000 $266,000.00 $265,802.58
5000597491 7.25 6/1/1999 5/1/2029 $1,910.10 5/1/1999 $280,000 $280,000.00 $280,000.00
5000598606 7.375 6/1/1999 5/1/2029 $3,453.38 5/1/1999 $500,000 $500,000.00 $500,000.00
5000598622 7.25 6/1/1999 5/1/2029 $2,612.74 5/1/1999 $383,000 $380,678.29 $380,678.29
5000599000 7.375 5/1/1999 4/1/2029 $2,590.04 5/1/1999 $375,000 $375,000.00 $374,714.65
5000599398 7.25 5/1/1999 4/1/2029 $1,793.11 5/1/1999 $262,850 $262,850.00 $262,644.94
5000599646 7.125 5/1/1999 4/1/2029 $2,189.59 5/1/1999 $325,000 $325,000.00 $324,740.10
5000599810 6.875 6/1/1999 5/1/2029 $1,773.71 5/1/1999 $270,000 $270,000.00 $270,000.00
5000687540 7.25 6/1/1999 5/1/2029 $1,739.55 5/1/1999 $255,000 $255,000.00 $255,000.00
5000687722 7 5/1/1999 4/1/2029 $3,991.82 5/1/1999 $600,000 $599,508.18 $599,508.18
5000687854 7 6/1/1999 5/1/2029 $1,995.91 5/1/1999 $300,000 $300,000.00 $300,000.00
5000687912 7.5 5/1/1999 4/1/2029 $2,237.49 5/1/1999 $320,000 $320,000.00 $319,762.51
5000687987 7.25 6/1/1999 5/1/2029 $2,217.08 5/1/1999 $325,000 $325,000.00 $325,000.00
5000688217 6.875 6/1/1999 5/1/2029 $3,153.26 5/1/1999 $480,000 $480,000.00 $480,000.00
5000688225 7 6/1/1999 5/1/2029 $2,075.08 5/1/1999 $311,900 $311,900.00 $311,900.00
5000688266 7.375 6/1/1999 5/1/2029 $2,584.86 5/1/1999 $374,250 $374,250.00 $374,250.00
5000688670 7.25 6/1/1999 5/1/2029 $4,433.47 5/1/1999 $649,900 $649,900.00 $649,900.00
5000688738 7.25 5/1/1999 4/1/2029 $3,854.30 5/1/1999 $565,000 $565,000.00 $564,559.24
5000689074 7.125 6/1/1999 5/1/2029 $3,166.48 5/1/1999 $470,000 $470,000.00 $470,000.00
5000689124 7.375 6/1/1999 5/1/2029 $2,141.10 5/1/1999 $310,000 $310,000.00 $310,000.00
5000689264 7.375 6/1/1999 5/1/2029 $2,298.57 5/1/1999 $332,800 $332,800.00 $332,800.00
5000719731 7.375 6/1/1999 5/1/2029 $1,870.01 5/1/1999 $270,750 $270,750.00 $270,750.00
5000730027 7.125 6/1/1999 5/1/2029 $2,883.52 5/1/1999 $428,000 $428,000.00 $428,000.00
5000731082 7.25 6/1/1999 5/1/2029 $2,859.69 5/1/1999 $419,200 $419,200.00 $419,200.00
5000731108 6.875 6/1/1999 5/1/2029 $2,364.95 5/1/1999 $360,000 $360,000.00 $360,000.00
5000731132 7.375 6/1/1999 5/1/2029 $2,154.91 5/1/1999 $312,000 $312,000.00 $312,000.00
5000731140 7.25 5/1/1999 4/1/2029 $2,434.69 5/1/1999 $356,900 $356,421.58 $356,421.58
5000731173 7.375 6/1/1999 5/1/2029 $1,906.27 5/1/1999 $276,000 $276,000.00 $276,000.00
5000731215 7.125 6/1/1999 5/1/2029 $1,876.31 5/1/1999 $278,500 $278,500.00 $278,500.00
5000731231 7.25 6/1/1999 5/1/2029 $2,626.38 5/1/1999 $385,000 $385,000.00 $385,000.00
5000731280 7.5 6/1/1999 5/1/2029 $1,992.77 5/1/1999 $285,000 $285,000.00 $285,000.00
5000731298 7.375 6/1/1999 5/1/2029 $2,037.50 5/1/1999 $295,000 $295,000.00 $295,000.00
5000731314 7 6/1/1999 5/1/2029 $2,102.36 5/1/1999 $316,000 $316,000.00 $316,000.00
5000731348 7.375 6/1/1999 5/1/2029 $1,989.15 5/1/1999 $288,000 $288,000.00 $288,000.00
5000731454 7.25 6/1/1999 5/1/2029 $1,753.20 5/1/1999 $257,000 $257,000.00 $257,000.00
5000731470 7.125 6/1/1999 5/1/2029 $1,943.68 5/1/1999 $288,500 $288,500.00 $288,500.00
5000731488 7 6/1/1999 5/1/2029 $3,858.76 5/1/1999 $580,000 $580,000.00 $580,000.00
5000731553 7.5 6/1/1999 5/1/2029 $1,915.85 5/1/1999 $274,000 $274,000.00 $274,000.00
5000731561 7 6/1/1999 5/1/2029 $2,844.17 5/1/1999 $427,500 $427,500.00 $427,500.00
5000731629 7 6/1/1999 5/1/2029 $3,539.41 5/1/1999 $532,000 $532,000.00 $532,000.00
5000731637 7 6/1/1999 5/1/2029 $2,351.85 5/1/1999 $353,500 $353,500.00 $353,500.00
5000731660 7.25 6/1/1999 5/1/2029 $2,633.21 5/1/1999 $386,000 $386,000.00 $386,000.00
5000731702 6.875 6/1/1999 5/1/2029 $4,139.97 5/1/1999 $630,200 $630,200.00 $630,200.00
5000731728 7.25 6/1/1999 5/1/2029 $1,800.95 5/1/1999 $264,000 $264,000.00 $264,000.00
5000731769 7.375 6/1/1999 5/1/2029 $1,864.83 5/1/1999 $270,000 $270,000.00 $270,000.00
5000731868 7 6/1/1999 5/1/2029 $2,519.84 5/1/1999 $378,750 $378,750.00 $378,750.00
5000731884 7.125 6/1/1999 5/1/2029 $2,353.98 5/1/1999 $349,400 $349,400.00 $349,400.00
5000732049 7.375 6/1/1999 5/1/2029 $1,891.07 5/1/1999 $273,800 $273,800.00 $273,800.00
5000732106 7.375 6/1/1999 5/1/2029 $3,957.57 5/1/1999 $573,000 $573,000.00 $573,000.00
5000732155 7.125 5/1/1999 4/1/2029 $4,311.80 5/1/1999 $640,000 $640,000.00 $639,488.20
5000732254 7.125 5/1/1999 4/1/2029 $2,371.49 5/1/1999 $352,000 $352,000.00 $351,718.51
5000732353 7.25 6/1/1999 5/1/2029 $2,204.80 5/1/1999 $323,200 $323,200.00 $323,200.00
5000732387 7.25 6/1/1999 5/1/2029 $2,796.93 5/1/1999 $410,000 $410,000.00 $410,000.00
5000732411 7.25 6/1/1999 5/1/2029 $3,090.26 5/1/1999 $453,000 $453,000.00 $453,000.00
5000732429 7.25 6/1/1999 5/1/2029 $2,728.71 5/1/1999 $400,000 $400,000.00 $400,000.00
5000732437 7.25 6/1/1999 5/1/2029 $2,906.08 5/1/1999 $426,000 $426,000.00 $426,000.00
5000757681 6.875 5/1/1999 4/1/2029 $2,956.19 5/1/1999 $450,000 $450,000.00 $449,621.94
5000757764 7.25 5/1/1999 4/1/2029 $2,237.54 5/1/1999 $328,000 $328,000.00 $327,744.13
5000757798 7 6/1/1999 5/1/2029 $1,849.55 5/1/1999 $278,000 $278,000.00 $278,000.00
5000757814 7.75 6/1/1999 5/1/2029 $4,656.68 5/1/1999 $650,000 $650,000.00 $650,000.00
5000757848 6.875 6/1/1999 5/1/2029 $1,886.70 5/1/1999 $287,200 $287,200.00 $287,200.00
5000757954 7 5/1/1999 4/1/2029 $3,126.93 5/1/1999 $470,000 $470,000.00 $469,614.74
5000757988 7 5/1/1999 4/1/2029 $1,916.08 5/1/1999 $288,000 $287,526.47 $287,526.47
5000758051 6.875 5/1/1999 4/1/2029 $3,284.65 5/1/1999 $500,000 $499,579.93 $499,579.93
5000758283 7.375 5/1/1999 4/1/2029 $2,434.63 5/1/1999 $352,500 $352,500.00 $352,231.78
5000758465 7 6/1/1999 5/1/2029 $2,347.19 5/1/1999 $352,800 $352,800.00 $352,800.00
5000758481 7.5 6/1/1999 5/1/2029 $1,957.81 5/1/1999 $280,000 $280,000.00 $280,000.00
5000758622 7.25 5/1/1999 4/1/2029 $3,410.89 5/1/1999 $500,000 $499,609.94 $499,609.94
5000758754 7.625 6/1/1999 5/1/2029 $2,519.75 5/1/1999 $356,000 $356,000.00 $356,000.00
5000758796 7.125 5/1/1999 4/1/2029 $3,439.34 5/1/1999 $510,500 $510,500.00 $510,091.75
5000759224 7.375 6/1/1999 5/1/2029 $2,023.68 5/1/1999 $293,000 $293,000.00 $293,000.00
5000759232 7.375 5/1/1999 4/1/2029 $2,127.28 5/1/1999 $308,000 $308,000.00 $307,765.64
5000759257 7.5 6/1/1999 5/1/2029 $2,265.46 5/1/1999 $324,000 $324,000.00 $324,000.00
5000759281 7.25 6/1/1999 5/1/2029 $2,728.71 5/1/1999 $400,000 $400,000.00 $400,000.00
5000759307 6.625 6/1/1999 5/1/2029 $2,198.83 5/1/1999 $343,400 $343,400.00 $343,400.00
5000759315 7.25 5/1/1999 4/1/2029 $2,203.43 5/1/1999 $323,000 $322,748.03 $322,748.03
5000759372 7.25 6/1/1999 5/1/2029 $3,151.66 5/1/1999 $462,000 $462,000.00 $462,000.00
5000759448 7 5/1/1999 4/1/2029 $2,860.81 5/1/1999 $430,000 $430,000.00 $429,647.52
5000759455 6.875 6/1/1999 5/1/2029 $1,856.49 5/1/1999 $282,600 $282,600.00 $282,600.00
5000759489 6.875 5/1/1999 4/1/2029 $1,773.71 5/1/1999 $270,000 $270,000.00 $269,773.17
5000759513 7.25 6/1/1999 5/1/2029 $2,947.01 5/1/1999 $432,000 $432,000.00 $432,000.00
5000759729 7 6/1/1999 5/1/2029 $2,661.22 5/1/1999 $400,000 $400,000.00 $400,000.00
5000759893 6.75 5/1/1999 4/1/2029 $2,052.17 5/1/1999 $316,400 $316,400.00 $316,127.58
5000759901 7.5 6/1/1999 5/1/2029 $1,856.42 5/1/1999 $265,500 $265,500.00 $265,500.00
5000837665 7.25 5/1/1999 4/1/2029 $3,751.97 5/1/1999 $550,000 $550,000.00 $549,570.95
5000837723 7.375 6/1/1999 5/1/2029 $1,989.15 5/1/1999 $288,000 $288,000.00 $288,000.00
5000837913 7 6/1/1999 5/1/2029 $2,395.09 5/1/1999 $360,000 $360,000.00 $360,000.00
5000839976 7.375 6/1/1999 5/1/2029 $2,309.28 5/1/1999 $334,350 $334,350.00 $334,350.00
5000842749 7.125 5/1/1999 4/1/2029 $2,459.08 5/1/1999 $365,000 $365,000.00 $364,708.11
5000843184 6.75 6/1/1999 5/1/2029 $2,594.40 5/1/1999 $400,000 $400,000.00 $400,000.00
5000843531 6.875 6/1/1999 5/1/2029 $2,049.62 5/1/1999 $312,000 $312,000.00 $312,000.00
5000843721 7.5 6/1/1999 5/1/2029 $2,265.46 5/1/1999 $324,000 $324,000.00 $324,000.00
5000845270 6.875 6/1/1999 5/1/2029 $2,401.74 5/1/1999 $365,600 $365,600.00 $365,600.00
5000945138 6.875 6/1/1999 5/1/2029 $1,702.76 5/1/1999 $259,200 $259,200.00 $259,200.00
5000945153 7.25 6/1/1999 5/1/2029 $2,395.81 5/1/1999 $351,200 $351,200.00 $351,200.00
5000945328 7.125 6/1/1999 5/1/2029 $1,852.73 5/1/1999 $275,000 $275,000.00 $275,000.00
5000945336 7 6/1/1999 5/1/2029 $4,324.47 5/1/1999 $650,000 $650,000.00 $650,000.00
5000945484 6.75 6/1/1999 5/1/2029 $4,021.31 5/1/1999 $620,000 $620,000.00 $620,000.00
5000947092 7.25 5/1/1999 4/1/2029 $1,828.24 5/1/1999 $268,000 $267,790.93 $267,790.93
62674731 7 5/1/1999 4/1/2029 $2,262.03 5/1/1999 $340,000 $340,000.00 $339,721.30
64213099 7.5 5/1/1998 4/1/2028 $1,810.10 5/1/1999 $258,875 $256,488.50 $256,281.45
64599043 7 5/1/1999 4/1/2029 $1,721.48 5/1/1999 $258,750 $258,750.00 $258,537.90
65030834 7.125 6/1/1999 5/1/2029 $1,609.18 5/1/1999 $238,850 $238,850.00 $238,850.00
65174402 6.75 5/1/1999 4/1/2029 $1,556.64 5/1/1999 $240,000 $240,000.00 $239,793.36
65180828 6.75 12/1/1998 11/1/2028 $2,821.41 5/1/1999 $435,000 $433,106.15 $432,720.96
65298357 6.375 4/1/1999 3/1/2029 $1,427.42 5/1/1999 $228,800 $228,587.50 $228,374.45
65457196 6.875 5/1/1999 4/1/2029 $3,087.57 5/1/1999 $470,000 $470,000.00 $469,605.14
65471962 7.5 1/1/1999 12/1/2028 $2,787.70 5/1/1999 $398,690 $397,495.10 $397,191.74
65482824 6.875 5/1/1999 4/1/2029 $1,905.10 5/1/1999 $290,000 $289,756.36 $289,756.36
65547101 7.125 5/1/1999 4/1/2029 $1,756.02 5/1/1999 $260,645 $260,436.56 $260,436.56
65548132 6 6/1/1999 5/1/2029 $1,438.93 5/1/1999 $240,000 $240,000.00 $240,000.00
65554515 6.5 4/1/1999 3/1/2029 $3,084.50 5/1/1999 $488,000 $487,558.83 $487,115.27
65554981 6.125 4/1/1999 3/1/2029 $1,458.27 5/1/1999 $240,000 $239,766.73 $239,532.27
65577507 7.375 5/1/1999 4/1/2029 $1,591.32 5/1/1999 $230,400 $230,224.68 $230,224.68
65595939 7.375 5/1/1999 4/1/2029 $3,099.82 5/1/1999 $448,810 $448,468.49 $448,468.49
65640047 7.125 5/1/1999 4/1/2029 $3,503.34 5/1/1999 $520,000 $520,000.00 $519,584.16
65712374 7.25 5/1/1999 4/1/2029 $2,169.32 5/1/1999 $318,000 $317,751.93 $317,751.93
65747666 6.75 5/1/1999 4/1/2029 $2,334.96 5/1/1999 $360,000 $360,000.00 $359,690.04
65756983 7.875 4/1/1999 3/1/2029 $2,117.21 5/1/1999 $292,000 $291,799.04 $291,596.76
65756991 7.875 4/1/1999 3/1/2029 $1,993.95 5/1/1999 $275,000 $274,810.74 $274,620.24
65805461 7.625 6/1/1999 5/1/2029 $3,650.10 5/1/1999 $515,700 $515,700.00 $515,700.00
65812956 7.25 6/1/1999 5/1/2029 $1,806.41 5/1/1999 $264,800 $264,800.00 $264,800.00
65864506 7.25 5/1/1999 4/1/2029 $1,569.01 5/1/1999 $230,000 $230,000.00 $229,820.57
65879554 7 5/1/1999 4/1/2029 $3,842.13 5/1/1999 $577,500 $577,500.00 $577,026.62
65914295 6.75 4/1/1999 3/1/2029 $1,556.64 5/1/1999 $240,000 $239,783.36 $239,575.50
65915381 7.125 5/1/1999 4/1/2029 $4,379.18 5/1/1999 $650,000 $650,000.00 $649,480.20
65919891 7.25 5/1/1999 4/1/2029 $3,069.80 5/1/1999 $450,000 $450,000.00 $449,648.95
65954921 6.625 4/1/1999 3/1/2029 $1,470.04 5/1/1999 $229,582 $229,379.44 $229,175.77
66014476 7.5 5/1/1999 4/1/2029 $1,678.12 5/1/1999 $240,000 $240,000.00 $239,821.88
66050928 7.375 5/1/1999 4/1/2029 $2,505.08 5/1/1999 $362,700 $362,424.01 $362,424.01
66058961 6.75 1/1/1999 12/1/2028 $2,226.64 5/1/1999 $343,300 $341,995.72 $341,692.81
66091764 7.375 5/1/1999 4/1/2029 $2,265.42 5/1/1999 $328,000 $327,750.41 $327,750.41
66117321 7.375 1/1/1999 12/1/2028 $2,279.23 5/1/1999 $330,000 $328,728.94 $328,728.94
66147409 7.5 5/1/1999 4/1/2029 $2,691.98 5/1/1999 $385,000 $385,000.00 $384,714.27
66155037 7.625 5/1/1999 4/1/2029 $2,123.39 5/1/1999 $300,000 $299,782.86 $299,782.86
66172641 6.5 5/1/1999 4/1/2029 $1,514.38 5/1/1999 $239,590 $239,590.00 $239,373.40
66172667 6.875 5/1/1999 4/1/2029 $1,813.13 5/1/1999 $276,000 $276,000.00 $275,768.12
66247187 7.375 1/1/1999 12/1/2028 $2,175.63 5/1/1999 $315,000 $314,032.35 $313,786.71
66313180 6.75 4/1/1999 3/1/2029 $2,433.22 5/1/1999 $375,150 $374,827.00 $374,502.18
66313325 6.875 4/1/1999 3/1/2029 $2,382.68 5/1/1999 $362,700 $362,395.29 $362,088.83
66379709 6.875 5/1/1999 4/1/2029 $4,151.80 5/1/1999 $632,000 $632,000.00 $631,469.03
66389186 6.875 6/1/1999 5/1/2029 $2,259.84 5/1/1999 $344,000 $344,000.00 $344,000.00
66436001 7 5/1/1999 4/1/2029 $1,753.08 5/1/1999 $263,500 $263,500.00 $263,284.00
66564832 6.75 4/1/1999 3/1/2029 $2,438.09 5/1/1999 $375,900 $375,576.35 $375,250.88
66598419 7.625 5/1/1999 4/1/2029 $2,038.45 5/1/1999 $288,000 $287,791.55 $287,791.55
66600715 7.5 5/1/1999 4/1/2029 $1,783.00 5/1/1999 $255,000 $255,000.00 $254,810.75
66608694 7 6/1/1999 5/1/2029 $2,009.22 5/1/1999 $302,000 $302,000.00 $302,000.00
66613230 6.75 4/1/1999 3/1/2029 $2,070.33 5/1/1999 $319,200 $317,486.47 $317,486.47
66629179 7 5/1/1999 4/1/2029 $2,256.71 5/1/1999 $339,200 $339,200.00 $338,921.96
66642329 6.75 4/1/1999 3/1/2029 $2,529.54 5/1/1999 $390,000 $389,615.32 $389,277.37
66643058 7.25 5/1/1999 4/1/2029 $2,240.95 5/1/1999 $328,500 $328,243.74 $328,243.74
66684340 6.5 5/1/1999 4/1/2029 $3,103.46 5/1/1999 $491,000 $491,000.00 $490,556.12
66739926 7.5 6/1/1999 5/1/2029 $2,622.06 5/1/1999 $375,000 $375,000.00 $375,000.00
66806127 7 5/1/1999 4/1/2029 $1,723.47 5/1/1999 $259,050 $259,050.00 $258,837.66
66831024 7.375 5/1/1999 4/1/2029 $1,708.74 5/1/1999 $247,400 $247,400.00 $247,211.74
66850983 7.125 5/1/1999 4/1/2029 $1,832.52 5/1/1999 $272,000 $272,000.00 $271,782.48
5000094283 6.75 4/1/1999 3/1/2029 $3,471.30 5/1/1999 $535,200 $534,739.20 $534,275.81
5000095934 6.875 5/1/1999 4/1/2029 $4,270.04 5/1/1999 $650,000 $650,000.00 $649,453.92
5000095959 7.25 5/1/1999 4/1/2029 $1,978.32 5/1/1999 $290,000 $290,000.00 $289,773.76
5000096874 6.625 4/1/1999 3/1/2029 $1,856.91 5/1/1999 $290,000 $289,744.13 $289,486.85
5000096940 6.75 4/1/1999 3/1/2029 $4,092.66 5/1/1999 $631,000 $630,456.72 $629,910.38
5000097286 6.625 4/1/1999 3/1/2029 $3,713.81 5/1/1999 $580,000 $578,973.72 $578,973.72
5000097542 6.75 5/1/1999 4/1/2029 $4,013.21 5/1/1999 $618,750 $618,750.00 $618,217.26
5000097567 7 5/1/1999 4/1/2029 $2,062.44 5/1/1999 $310,000 $310,000.00 $309,745.89
5000097807 7.375 5/1/1999 4/1/2029 $2,652.20 5/1/1999 $384,000 $384,000.00 $383,707.80
5000097963 6.75 4/1/1999 3/1/2029 $2,672.23 5/1/1999 $412,000 $411,288.54 $411,288.54
5000098037 7 5/1/1999 4/1/2029 $3,991.82 5/1/1999 $600,000 $600,000.00 $599,508.18
5000098524 7.625 5/1/1999 4/1/2029 $1,923.79 5/1/1999 $271,800 $271,800.00 $271,603.27
5000098862 7.125 5/1/1999 4/1/2029 $2,091.90 5/1/1999 $310,500 $310,500.00 $310,251.69
5000099100 7.25 5/1/1999 4/1/2029 $2,796.93 5/1/1999 $410,000 $410,000.00 $409,680.15
5000099142 6.875 5/1/1999 4/1/2029 $3,972.45 5/1/1999 $604,700 $604,191.98 $604,191.98
5000099456 7.25 6/1/1999 5/1/2029 $2,496.77 5/1/1999 $366,000 $366,000.00 $366,000.00
5000101229 7.25 5/1/1999 4/1/2029 $2,357.61 5/1/1999 $345,600 $345,600.00 $345,330.39
5000101880 6.875 5/1/1999 4/1/2029 $2,627.72 5/1/1999 $400,000 $400,000.00 $399,663.95
5000117035 7.125 6/1/1999 5/1/2029 $2,667.93 5/1/1999 $396,000 $396,000.00 $396,000.00
5000117555 7.25 5/1/1999 4/1/2029 $2,762.82 5/1/1999 $405,000 $405,000.00 $404,684.06
5000117589 7.75 5/1/1999 4/1/2029 $1,862.68 5/1/1999 $260,000 $260,000.00 $259,816.49
5000117696 6.875 6/1/1999 5/1/2029 $2,381.37 5/1/1999 $362,500 $362,500.00 $362,500.00
5000119239 7 5/1/1999 4/1/2029 $2,661.22 5/1/1999 $400,000 $400,000.00 $399,672.11
5000124437 7 5/1/1999 4/1/2029 $3,326.52 5/1/1999 $500,000 $500,000.00 $499,590.15
5000124783 6.75 5/1/1999 4/1/2029 $2,840.86 5/1/1999 $438,000 $438,000.00 $437,622.89
5000128008 7 5/1/1999 4/1/2029 $2,661.22 5/1/1999 $400,000 $399,672.11 $399,672.11
5000128677 6.625 5/1/1999 4/1/2029 $2,812.25 5/1/1999 $439,200 $439,200.00 $438,812.50
</TABLE>
(continued)
LOAN# PURP DOC APPRAISAL RTRM CLTV
5000009919 PURCH RAPD $512,000 359 78.3
5000011592 R/T REFI RAPD $530,000 359 73.0
5000013523 R/T REFI RAPD $460,000 360 83.3
5000023340 C/O REFI FULL $860,000 359 55.8
5000024066 R/T REFI FULL $375,000 359 78.3
5000035237 PURCH RAPD $490,000 359 61.2
5000037431 R/T REFI RAPD $330,000 359 78.6
5000039585 R/T REFI FULL $450,000 359 75.0
5000039833 C/O REFI FULL $364,000 299 79.1
5000039999 R/T REFI FULL $415,000 360 75.9
5000047604 PURCH FULL $549,000 359 79.9
5000049063 PURCH RAPD $320,000 359 93.8
5000052562 R/T REFI FULL $325,000 359 80.0
5000075555 PURCH RAPD $420,000 359 79.9
5000085547 R/T REFI FULL $540,000 359 53.7
5000087717 PURCH RAPD $550,000 359 62.6
5000090497 PURCH RAPD $435,000 359 80.0
5000092493 PURCH RAPD $455,000 359 80.0
5000093889 C/O REFI FULL $525,000 359 74.9
5000094259 R/T REFI RAPD $700,000 359 50.0
5000128925 R/T REFI RAPD $460,000 359 79.3
5000129253 R/T REFI RAPD $448,000 359 69.6
5000139344 PURCH RAPD $604,000 359 80.0
5000139658 R/T REFI RAPD $770,000 359 63.0
5000140474 PURCH RAPD $552,000 359 74.7
5000140961 R/T REFI RAPD $540,000 360 69.6
5000141035 R/T REFI RAPD $495,000 360 59.6
5000141761 C/O REFI FULL $400,000 359 65.0
5000142181 PURCH FULL $615,000 359 80.0
5000143791 R/T REFI RAPD $535,000 360 66.4
5000143817 PURCH RAPD $292,000 359 84.9
5000144054 PURCH RAPD $310,000 359 79.9
5000163591 R/T REFI FULL $345,000 359 79.7
5000175538 PURCH FULL $558,000 359 79.9
5000176049 PURCH RAPD $465,000 359 64.5
5000176064 PURCH RAPD $502,000 360 80.0
5000176320 C/O REFI FULL $630,000 359 70.0
5000176726 PURCH RAPD $333,000 359 79.7
5000176809 PURCH RAPD $505,000 359 80.0
5000176882 PURCH RAPD $450,000 360 90.0
5000178060 R/T REFI FULL $1,065,000 359 38.3
5000178839 PURCH RAPD $326,000 359 80.0
5000178862 PURCH RAPD $535,000 359 79.9
5000179076 PURCH RAPD $1,349,500 359 27.8
5000179092 C/O REFI RAPD $985,000 359 28.8
5000179258 PURCH FULL $629,000 359 39.7
5000179498 PURCH FULL $434,500 360 79.9
5000179779 PURCH RAPD $329,000 359 84.8
5000180397 PURCH RAPD $464,000 359 69.0
5000180462 PURCH RAPD $476,000 360 80.0
5000180470 PURCH RAPD $325,000 358 79.9
5000181866 R/T REFI FULL $455,000 359 73.1
5000182443 R/T REFI FULL $750,000 359 55.5
5000182492 PURCH FULL $439,900 359 80.0
5000182559 C/O REFI FULL $600,000 359 60.0
5000182997 C/O REFI FULL $950,000 359 68.4
5000183227 PURCH RAPD $445,000 359 67.9
5000183235 PURCH FULL $540,000 359 67.5
5000183391 PURCH RAPD $352,000 360 80.0
5000183557 C/O REFI FULL $650,000 359 74.9
5000184217 PURCH RAPD $369,000 360 80.0
5000184290 R/T REFI FULL $310,000 359 80.0
5000184464 PURCH RAPD $488,000 359 58.5
5000184639 PURCH FULL $460,000 359 80.0
5000184688 PURCH RAPD $403,000 359 79.9
5000184944 PURCH RAPD $340,000 359 80.0
5000197037 C/O REFI FULL $572,000 359 58.6
5000200203 R/T REFI FULL $300,000 359 84.7
5000213412 R/T REFI FULL $435,000 360 80.0
5000215243 PURCH FULL $425,000 360 80.0
5000223585 PURCH RAPD $495,000 360 80.0
5000226679 PURCH FULL $269,000 359 94.9
5000227321 R/T REFI FULL $1,200,000 359 50.0
5000227784 R/T REFI RAPD $441,000 359 80.0
5000228139 C/O REFI FULL $630,000 359 55.6
5000229129 PURCH RAPD $535,000 360 60.7
5000229996 R/T REFI FULL $474,000 360 70.0
5000230176 PURCH FULL $298,000 360 89.9
5000230416 C/O REFI RAPD $925,000 360 34.1
5000230606 PURCH FULL $515,000 359 80.0
5000230713 PURCH FULL $330,000 360 90.0
5000233097 PURCH FULL $555,000 359 69.9
5000235738 PURCH RAPD $725,000 359 73.0
5000241611 PURCH FULL $260,000 360 95.0
5000242957 R/T REFI FULL $328,000 359 79.9
5000252535 R/T REFI RAPD $290,000 360 84.8
5000257336 R/T REFI FULL $600,000 359 46.1
5000266956 C/O REFI FULL $390,000 359 72.7
5000266998 R/T REFI FULL $440,000 359 72.7
5000271139 R/T REFI FULL $360,000 358 79.9
5000277102 R/T REFI FULL $750,000 359 45.8
5000277995 PURCH RAPD $420,000 359 71.1
5000278258 C/O REFI FULL $600,000 359 64.6
5000280452 C/O REFI RAPD $850,000 359 67.6
5000286715 R/T REFI RAPD $620,000 359 71.0
5000291210 C/O REFI FULL $825,000 359 69.9
5000292069 PURCH RAPD $610,000 359 63.9
5000293430 R/T REFI FULL $400,000 359 80.0
5000295625 R/T REFI FULL $610,000 359 73.8
5000295807 R/T REFI FULL $360,000 359 75.6
5000296508 R/T REFI RAPD $409,000 359 69.7
5000297118 PURCH RAPD $1,025,000 359 51.4
5000297753 C/O REFI RAPD $590,000 359 68.3
5000298652 R/T REFI RAPD $340,000 359 78.8
5000298686 R/T REFI FULL $650,000 359 78.8
5000308824 PURCH FULL $420,000 359 84.9
5000311737 R/T REFI RAPD $429,000 359 67.4
5000312594 R/T REFI FULL $672,000 359 72.0
5000315019 R/T REFI RAPD $540,000 359 79.0
5000315175 PURCH FULL $381,000 359 73.7
5000316017 R/T REFI RAPD $380,000 360 72.6
5000316397 R/T REFI FULL $515,000 359 66.4
5000317114 C/O REFI FULL $424,000 359 63.7
5000317999 R/T REFI FULL $370,000 359 74.3
5000318856 R/T REFI RAPD $305,000 359 86.4
5000318963 R/T REFI FULL $650,000 360 51.5
5000320118 R/T REFI FULL $410,000 359 67.1
5000320258 R/T REFI FULL $975,000 360 27.0
5000321082 R/T REFI FULL $550,000 359 69.6
5000322817 R/T REFI RAPD $850,000 359 33.4
5000324748 R/T REFI FULL $500,000 359 57.2
5000327030 R/T REFI FULL $490,000 360 49.8
5000328236 R/T REFI FULL $1,540,000 359 20.1
5000328442 C/O REFI FULL $550,000 360 58.9
5000331024 PURCH RAPD $431,500 359 80.0
5000343961 R/T REFI RAPD $500,000 359 75.0
5000347855 PURCH RAPD $290,000 358 89.8
5000348267 PURCH RAPD $375,000 358 79.9
5000348820 R/T REFI RAPD $1,250,000 359 48.0
5000359041 PURCH FULL $420,000 359 59.5
5000365634 R/T REFI RAPD $512,000 359 57.0
5000391903 R/T REFI FULL $510,000 359 63.1
5000392539 R/T REFI FULL $590,000 359 57.9
5000395888 PURCH FULL $432,000 359 80.0
5000399864 C/O REFI RAPD $470,000 359 74.5
5000400860 PURCH RAPD $1,400,000 358 39.2
5000401207 PURCH RAPD $395,000 358 77.6
5000401686 PURCH RAPD $437,000 359 79.9
5000402148 PURCH RAPD $382,000 359 79.9
5000403575 PURCH RAPD $346,480 360 80.0
5000406669 R/T REFI FULL $445,000 359 67.9
5000407733 PURCH RAPD $347,000 358 79.9
5000408350 PURCH FULL $345,000 359 79.9
5000408806 R/T REFI RAPD $545,000 358 66.5
5000409671 PURCH FULL $570,000 358 74.6
5000410133 R/T REFI RAPD $875,000 359 56.6
5000410166 C/O REFI RAPD $920,000 359 66.7
5000412014 R/T REFI FULL $340,000 359 76.5
5000412097 R/T REFI RAPD $340,000 359 76.5
5000414895 PURCH FULL $760,000 358 79.9
5000415561 R/T REFI RAPD $1,325,000 359 28.3
5000415892 C/O REFI RAPD $525,000 359 56.5
5000416619 PURCH RAPD $480,000 359 80.0
5000420256 C/O REFI RAPD $800,000 359 36.0
5000420777 R/T REFI RAPD $1,050,000 358 38.1
5000420819 R/T REFI RAPD $465,000 359 74.8
5000421411 R/T REFI FULL $780,000 359 44.9
5000421718 R/T REFI FULL $2,500,000 359 19.4
5000422740 C/O REFI RAPD $500,000 359 70.0
5000426121 PURCH RAPD $585,000 359 79.9
5000426592 R/T REFI RAPD $395,000 359 67.9
5000426766 R/T REFI RAPD $500,000 359 74.8
5000426808 PURCH RAPD $292,000 359 89.9
5000426816 C/O REFI FULL $550,000 359 75.0
5000427178 R/T REFI RAPD $405,000 359 80.0
5000429745 PURCH RAPD $455,000 359 87.9
5000429968 PURCH RAPD $390,000 360 80.0
5000435031 PURCH RAPD $392,000 359 79.9
5000435247 PURCH FULL $270,000 359 95.0
5000435296 C/O REFI RAPD $460,000 359 69.5
5000435304 R/T REFI RAPD $480,000 359 55.4
5000435346 R/T REFI FULL $370,000 359 79.2
5000435411 PURCH FULL $522,000 359 80.0
5000435635 C/O REFI RAPD $375,000 359 74.7
5000435676 PURCH RAPD $275,000 359 95.0
5000435783 R/T REFI FULL $410,000 359 79.9
5000436666 PURCH RAPD $692,000 360 79.6
5000436740 PURCH FULL $415,000 359 80.0
5000436773 PURCH RAPD $569,000 360 80.0
5000436898 PURCH RAPD $291,000 359 89.8
5000436955 PURCH RAPD $500,000 360 80.0
5000436989 PURCH FULL $342,000 351 79.5
5000437227 PURCH RAPD $386,000 359 87.0
5000437250 PURCH RAPD $286,000 359 95.0
5000438118 PURCH RAPD $390,000 358 79.9
5000438167 R/T REFI RAPD $650,000 358 55.3
5000438316 PURCH RAPD $800,000 359 80.0
5000438407 PURCH RAPD $596,500 359 80.0
5000438944 PURCH RAPD $400,000 359 85.0
5000439181 R/T REFI RAPD $725,000 359 59.2
5000439330 PURCH RAPD $296,000 359 94.9
5000439421 PURCH FULL $428,500 358 79.9
5000439462 PURCH RAPD $432,500 358 74.8
5000439546 PURCH RAPD $680,000 359 45.1
5000439660 R/T REFI RAPD $400,000 359 79.9
5000439678 PURCH RAPD $470,000 359 75.5
5000439710 R/T REFI RAPD $510,000 359 56.9
5000446053 PURCH RAPD $630,000 360 40.2
5000446343 PURCH RAPD $650,000 359 80.0
5000446459 PURCH RAPD $427,000 360 70.6
5000447564 R/T REFI RAPD $400,000 239 62.8
5000447812 C/O REFI FULL $550,000 359 66.0
5000447838 R/T REFI RAPD $600,000 359 54.4
5000448588 PURCH RAPD $660,000 359 78.7
5000450303 C/O REFI FULL $640,000 359 75.0
5000450733 PURCH FULL $915,000 359 71.3
5000451822 PURCH FULL $365,000 360 90.0
5000451855 PURCH RAPD $435,000 359 69.0
5000452390 R/T REFI FULL $430,000 359 63.3
5000452580 C/O REFI RAPD $439,000 359 63.2
5000453034 R/T REFI RAPD $450,000 359 76.7
5000453133 C/O REFI FULL $575,000 359 59.5
5000453182 PURCH RAPD $285,000 360 90.0
5000453489 R/T REFI RAPD $361,000 360 80.0
5000455831 PURCH FULL $575,000 359 80.0
5000457258 PURCH RAPD $700,000 359 80.0
5000458082 PURCH RAPD $420,000 359 76.2
5000458215 PURCH RAPD $525,000 360 76.2
5000459866 PURCH RAPD $575,000 360 80.0
5000459973 PURCH RAPD $390,000 359 79.9
5000460336 PURCH RAPD $400,000 359 79.9
5000461193 PURCH FULL $405,000 360 80.0
5000461417 PURCH FULL $425,000 360 79.1
5000461482 PURCH RAPD $1,750,000 360 37.1
5000467166 R/T REFI RAPD $600,000 359 75.0
5000468883 PURCH RAPD $525,000 359 76.7
5000469915 R/T REFI RAPD $690,000 360 63.0
5000470335 C/O REFI FULL $500,000 359 70.0
5000470368 PURCH FULL $860,000 359 75.8
5000470509 PURCH RAPD $452,000 360 80.0
5000471291 PURCH RAPD $525,000 360 57.0
5000475391 PURCH RAPD $280,000 359 94.9
5000475433 R/T REFI RAPD $350,000 359 73.4
5000476209 PURCH RAPD $326,000 360 80.0
5000476837 PURCH FULL $285,000 359 95.0
5000477348 R/T REFI RAPD $325,000 359 79.9
5000477876 PURCH RAPD $345,000 360 73.9
5000481886 PURCH RAPD $675,000 359 50.0
5000483718 PURCH FULL $287,000 359 90.0
5000484724 R/T REFI RAPD $400,000 359 72.5
5000486554 R/T REFI RAPD $790,000 359 51.3
5000486828 R/T REFI FULL $610,000 360 76.7
5000499052 R/T REFI FULL $400,000 359 67.5
5000531185 R/T REFI RAPD $520,000 360 71.9
5000532852 R/T REFI FULL $730,000 359 78.8
5000534502 PURCH RAPD $730,000 359 80.0
5000540194 PURCH RAPD $433,000 360 80.0
5000543719 PURCH RAPD $610,000 359 69.4
5000552520 R/T REFI FULL $415,000 359 69.8
5000553387 R/T REFI RAPD $430,000 359 70.9
5000560077 R/T REFI RAPD $550,000 359 63.6
5000560697 C/O REFI FULL $490,000 360 75.0
5000562701 PURCH FULL $535,000 360 80.0
5000565464 C/O REFI FULL $650,000 359 63.8
5000565472 C/O REFI RAPD $600,000 359 60.8
5000565860 PURCH RAPD $535,000 359 79.9
5000566652 PURCH RAPD $660,000 359 79.9
5000567627 PURCH RAPD $340,000 359 80.0
5000570936 R/T REFI FULL $780,000 359 54.5
5000574359 PURCH RAPD $447,000 359 80.0
5000577717 PURCH RAPD $410,000 359 75.0
5000577899 C/O REFI RAPD $351,000 359 74.9
5000578236 PURCH FULL $670,000 359 74.6
5000578426 C/O REFI FULL $690,000 360 61.6
5000578566 C/O REFI RAPD $500,000 359 74.6
5000578707 PURCH RAPD $1,165,000 359 42.9
5000578798 R/T REFI RAPD $900,000 359 49.2
5000579200 PURCH RAPD $552,000 360 80.0
5000579275 PURCH RAPD $635,000 360 60.6
5000579390 C/O REFI RAPD $550,000 360 68.2
5000579622 R/T REFI FULL $470,000 359 73.0
5000580133 PURCH RAPD $505,000 360 80.0
5000580174 PURCH RAPD $335,000 359 79.9
5000580182 PURCH RAPD $396,000 360 80.0
5000580190 R/T REFI RAPD $1,300,000 360 45.1
5000580265 PURCH RAPD $395,000 360 65.1
5000580356 PURCH FULL $265,000 359 95.0
5000580596 R/T REFI FULL $785,000 360 57.3
5000580851 PURCH RAPD $320,000 360 80.0
5000580992 PURCH RAPD $705,000 360 80.0
5000581297 PURCH RAPD $475,000 360 80.0
5000581768 R/T REFI FULL $350,000 360 80.0
5000581891 R/T REFI RAPD $830,000 360 67.3
5000581958 C/O REFI RAPD $462,000 360 72.8
5000582089 C/O REFI FULL $404,000 359 70.5
5000582105 C/O REFI RAPD $775,000 360 56.8
5000584663 PURCH RAPD $785,000 360 80.0
5000591445 R/T REFI RAPD $900,000 359 54.8
5000591452 R/T REFI FULL $675,000 359 62.4
5000591908 R/T REFI FULL $549,000 360 68.1
5000591981 PURCH RAPD $425,000 360 80.0
5000592013 PURCH RAPD $450,000 360 80.0
5000592641 R/T REFI FULL $650,000 360 70.9
5000593599 PURCH RAPD $970,000 359 74.3
5000593755 PURCH RAPD $520,000 359 79.9
5000594233 R/T REFI FULL $538,000 359 72.4
5000594597 R/T REFI RAPD $429,000 359 79.9
5000595552 C/O REFI RAPD $550,000 359 69.0
5000596147 PURCH FULL $325,000 360 80.0
5000596220 C/O REFI RAPD $625,000 360 60.0
5000596238 R/T REFI RAPD $790,000 360 80.0
5000596311 C/O REFI RAPD $675,000 360 63.0
5000596352 PURCH RAPD $380,000 360 75.0
5000596618 R/T REFI RAPD $550,000 360 66.5
5000596642 PURCH RAPD $620,000 360 80.0
5000596824 PURCH RAPD $380,000 360 77.1
5000597228 C/O REFI RAPD $490,000 359 54.3
5000597491 R/T REFI RAPD $350,000 360 80.0
5000598606 C/O REFI FULL $974,000 360 51.3
5000598622 R/T REFI RAPD $580,000 360 65.6
5000599000 C/O REFI RAPD $500,000 359 75.0
5000599398 R/T REFI RAPD $400,000 359 65.7
5000599646 PURCH RAPD $485,000 359 69.1
5000599810 PURCH RAPD $337,500 360 80.0
5000687540 PURCH RAPD $366,000 360 69.7
5000687722 PURCH RAPD $1,603,000 359 37.5
5000687854 PURCH RAPD $375,000 360 80.0
5000687912 PURCH FULL $400,000 359 80.0
5000687987 C/O REFI RAPD $465,000 360 69.9
5000688217 PURCH RAPD $600,000 360 80.0
5000688225 PURCH RAPD $415,900 360 75.0
5000688266 R/T REFI FULL $518,000 360 72.2
5000688670 C/O REFI FULL $1,200,000 360 54.2
5000688738 C/O REFI FULL $850,000 359 66.5
5000689074 R/T REFI RAPD $675,000 360 69.6
5000689124 C/O REFI RAPD $450,000 360 68.9
5000689264 R/T REFI FULL $420,000 360 79.2
5000719731 PURCH FULL $285,000 360 95.0
5000730027 PURCH RAPD $535,000 360 80.0
5000731082 R/T REFI RAPD $1,200,000 360 34.9
5000731108 PURCH RAPD $450,000 360 80.0
5000731132 R/T REFI RAPD $392,000 360 79.6
5000731140 PURCH RAPD $455,000 359 79.9
5000731173 R/T REFI RAPD $480,000 360 57.5
5000731215 PURCH FULL $323,000 360 86.4
5000731231 R/T REFI RAPD $620,000 360 62.1
5000731280 C/O REFI RAPD $380,000 360 75.0
5000731298 R/T REFI FULL $369,000 360 79.9
5000731314 PURCH FULL $400,000 360 80.0
5000731348 R/T REFI RAPD $425,000 360 67.8
5000731454 R/T REFI RAPD $400,000 360 64.3
5000731470 C/O REFI FULL $390,000 360 74.0
5000731488 PURCH RAPD $805,000 360 73.4
5000731553 C/O REFI FULL $400,000 360 68.5
5000731561 R/T REFI RAPD $950,000 360 45.0
5000731629 PURCH RAPD $760,000 360 70.0
5000731637 PURCH RAPD $442,000 360 80.0
5000731660 R/T REFI RAPD $690,000 360 55.9
5000731702 R/T REFI FULL $860,000 360 73.3
5000731728 PURCH RAPD $330,000 360 80.0
5000731769 C/O REFI FULL $380,000 360 75.0
5000731868 C/O REFI RAPD $505,000 360 75.0
5000731884 R/T REFI RAPD $645,000 360 54.2
5000732049 R/T REFI FULL $465,000 360 58.9
5000732106 PURCH FULL $760,000 360 79.6
5000732155 PURCH FULL $800,000 359 80.0
5000732254 PURCH RAPD $440,000 359 80.0
5000732353 PURCH FULL $405,000 360 80.0
5000732387 R/T REFI RAPD $985,000 360 41.6
5000732411 R/T REFI FULL $596,000 360 76.0
5000732429 R/T REFI FULL $575,000 360 69.6
5000732437 R/T REFI RAPD $545,000 360 78.2
5000757681 PURCH RAPD $765,000 359 58.8
5000757764 PURCH RAPD $410,000 359 80.0
5000757798 R/T REFI RAPD $375,000 360 74.1
5000757814 R/T REFI RAPD $875,000 360 74.3
5000757848 PURCH RAPD $359,000 360 80.0
5000757954 PURCH RAPD $685,000 359 68.6
5000757988 PURCH RAPD $360,000 359 79.9
5000758051 PURCH FULL $742,000 359 67.3
5000758283 C/O REFI FULL $470,000 359 75.0
5000758465 PURCH RAPD $441,000 360 80.0
5000758481 C/O REFI RAPD $420,000 360 66.7
5000758622 C/O REFI FULL $1,100,000 359 45.5
5000758754 R/T REFI FULL $445,000 360 80.0
5000758796 R/T REFI FULL $1,050,000 359 48.6
5000759224 R/T REFI RAPD $500,000 360 58.6
5000759232 C/O REFI RAPD $440,000 359 70.0
5000759257 R/T REFI RAPD $405,000 360 80.0
5000759281 C/O REFI FULL $645,000 360 62.0
5000759307 PURCH RAPD $443,421 360 77.4
5000759315 PURCH FULL $553,000 359 58.4
5000759372 R/T REFI RAPD $600,000 360 77.0
5000759448 PURCH RAPD $750,000 359 57.3
5000759455 PURCH RAPD $942,000 360 30.0
5000759489 PURCH RAPD $370,000 359 75.0
5000759513 R/T REFI RAPD $560,000 360 77.1
5000759729 PURCH RAPD $670,000 360 60.2
5000759893 PURCH RAPD $396,000 359 80.0
5000759901 R/T REFI RAPD $375,000 360 70.8
5000837665 R/T REFI RAPD $835,000 359 65.9
5000837723 R/T REFI RAPD $360,000 360 80.0
5000837913 PURCH RAPD $400,000 360 90.0
5000839976 PURCH FULL $445,000 360 90.0
5000842749 PURCH RAPD $700,000 359 55.3
5000843184 PURCH RAPD $750,000 360 55.2
5000843531 C/O REFI FULL $472,000 360 66.1
5000843721 PURCH RAPD $360,000 360 90.0
5000845270 PURCH RAPD $465,000 360 80.0
5000945138 PURCH RAPD $324,000 360 80.0
5000945153 PURCH RAPD $439,000 360 80.0
5000945328 PURCH FULL $415,000 360 66.3
5000945336 PURCH RAPD $825,000 360 78.8
5000945484 PURCH FULL $775,000 360 80.0
5000947092 PURCH RAPD $340,000 359 79.9
62674731 PURCH RAPD $490,000 359 69.4
64213099 PURCH RAPD $272,500 347 94.1
64599043 PURCH FULL $324,000 359 80.0
65030834 PURCH RAPD $266,000 360 89.8
65174402 PURCH FULL $380,000 359 64.9
65180828 R/T REFI RAPD $850,000 354 51.0
65298357 R/T REFI FULL $292,500 358 78.1
65457196 R/T REFI FULL $950,000 359 49.5
65471962 PURCH FULL $499,000 355 79.8
65482824 PURCH RAPD $425,000 359 68.5
65547101 PURCH FULL $280,700 359 92.8
65548132 PURCH RAPD $369,500 360 65.0
65554515 PURCH FULL $650,000 358 75.0
65554981 PURCH RAPD $420,000 358 57.1
65577507 PURCH FULL $256,000 359 89.9
65595939 PURCH RAPD $730,000 359 62.3
65640047 C/O REFI FULL $1,000,000 359 52.0
65712374 C/O REFI FULL $424,000 359 74.9
65747666 PURCH RAPD $420,000 359 85.8
65756983 R/T REFI FULL $505,000 358 57.8
65756991 R/T REFI FULL $430,000 358 64.0
65805461 PURCH FULL $645,500 360 79.9
65812956 PURCH RAPD $331,000 360 80.0
65864506 C/O REFI FULL $400,000 359 57.5
65879554 R/T REFI RAPD $1,250,000 359 46.2
65914295 PURCH FULL $389,000 358 61.6
65915381 PURCH FULL $1,415,000 359 45.9
65919891 PURCH FULL $605,000 359 74.4
65954921 PURCH RAPD $287,000 358 79.9
66014476 C/O REFI RAPD $425,000 359 56.5
66050928 PURCH RAPD $403,000 359 89.9
66058961 R/T REFI RAPD $500,000 355 68.4
66091764 PURCH RAPD $410,000 359 79.9
66117321 R/T REFI RAPD $495,000 355 79.2
66147409 R/T REFI FULL $525,000 359 73.3
66155037 PURCH RAPD $375,000 359 79.9
66172641 PURCH FULL $260,000 359 95.0
66172667 PURCH RAPD $346,000 359 80.0
66247187 R/T REFI RAPD $357,000 355 88.0
66313180 PURCH RAPD $417,000 358 89.9
66313325 PURCH RAPD $404,500 358 89.9
66379709 PURCH RAPD $795,000 359 80.0
66389186 PURCH RAPD $430,000 360 80.0
66436001 PURCH RAPD $293,000 359 89.9
66564832 PURCH FULL $470,000 358 79.9
66598419 R/T REFI FULL $320,000 359 89.9
66600715 C/O REFI RAPD $340,000 359 75.0
66608694 R/T REFI FULL $385,000 360 78.4
66613230 PURCH FULL $400,000 358 79.6
66629179 PURCH FULL $425,000 359 80.0
66642329 PURCH FULL $590,000 358 67.1
66643058 PURCH FULL $375,000 359 87.5
66684340 R/T REFI FULL $900,000 359 54.6
66739926 C/O REFI FULL $510,000 360 73.5
66806127 PURCH FULL $325,000 359 80.0
66831024 PURCH RAPD $275,000 359 90.0
66850983 PURCH RAPD $340,000 359 80.0
5000094283 PURCH FULL $669,000 358 79.9
5000095934 PURCH RAPD $840,000 359 77.8
5000095959 R/T REFI RAPD $470,000 359 61.7
5000096874 PURCH RAPD $390,000 358 74.3
5000096940 PURCH RAPD $789,888 358 79.9
5000097286 PURCH RAPD $725,000 358 79.9
5000097542 R/T REFI RAPD $1,350,000 359 45.8
5000097567 PURCH RAPD $435,000 359 71.3
5000097807 R/T REFI RAPD $600,000 359 64.0
5000097963 PURCH FULL $515,000 358 79.9
5000098037 PURCH RAPD $750,000 359 80.0
5000098524 PURCH RAPD $340,000 359 80.0
5000098862 C/O REFI RAPD $414,000 359 75.0
5000099100 R/T REFI RAPD $530,000 359 77.4
5000099142 R/T REFI RAPD $785,000 359 77.0
5000099456 R/T REFI FULL $485,000 360 75.5
5000101229 PURCH RAPD $390,000 359 90.0
5000101880 PURCH RAPD $815,500 359 49.0
5000117035 R/T REFI RAPD $495,000 360 80.0
5000117555 R/T REFI FULL $1,200,000 359 33.8
5000117589 R/T REFI RAPD $328,000 359 79.3
5000117696 PURCH RAPD $542,500 360 66.8
5000119239 PURCH FULL $510,000 359 78.4
5000124437 C/O REFI RAPD $775,000 359 64.5
5000124783 R/T REFI FULL $615,000 359 71.2
5000128008 C/O REFI FULL $575,000 359 69.5
5000128677 PURCH RAPD $556,000 359 80.0
TOTAL LOANS $489.00
SCHED UPB $178,636,220.06
WAC $7.11
WAM $358.93
WOLTV $71.01
<PAGE>
<TABLE>
<CAPTION>
LOAN# ADDRESS CITY ST ZIP OCC PROP TERM LTV RATE
- ----- ------- ---- -- --- --- ---- ---- --- ----
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
1734091 771 TIMBERWOOD LANE FAIRVIEW TX 75069 Primary SFR 310 80.0 7.75
1839250 179 CARSON ST HERCULES CA 94547 Primary PUD 305 78.2 7.375
2143364 105 SANTA ANA AVE LONG BEACH CA 90803 Primary SFR 304 80.0 7.875
226033 1150 PALISADES AVE REDDING CA 96003 Primary SFR 299 78.5 7.875
2400987 33521 IRONSIDES DR DANA POINT CA 92629 Primary SFR 300 76.6 7.75
2531968 28601 RANCHO GRANDE LAGUNA NIGU CA 92656 Primary PUD 301 80.0 7.75
2626161 3021 SERIANA CT UNION CITY CA 94587 Primary PUD 306 80.0 7.75
277266 1365 LIVE OAK BLVD YUBA CITY CA 95991 Primary SFR 298 75.0 7.625
3486168 19830 WITTENBURG SAN ANTONIO TX 78256 Primary PUD 312 72.8 7.75
3985245 6234 LAKE SHORE DR SAN DIEGO CA 92119 Primary SFR 309 89.9 7.375
4029771 2102 VIA HELECHO SAN CLEMENT CA 92673 Primary PUD 309 79.8 7.375
5539820 1275 OLD FOOTHILL RD GARDNERVILL NV 89410 Primary SFR 323 50.0 8
60716924 33 TURQUOISE WAY SAN FRANCIC CA 94131 Primary SFR 325 89.9 7.75
60845244 16522 BRIDLEWOOD RD POWAY CA 92064 Primary SFR 333 79.8 7.625
61044512 26661 CAMPESINO MISSION VIE CA 92691 Primary PUD 332 79.2 7.625
61085791 239 VISTA DE SIERRA LOS GATOS CA 95032 Primary SFR 333 60.9 8
61204935 1470 ATHENOUR CT SAN JOSE CA 95120 Primary SFR 334 74.6 8
61207993 72 MILLAY PL MILL VALLEY CA 94941 Primary SFR 329 72.1 7.75
61379689 1140 MILLBRAE AVE MILLBRAE CA 94030 Primary SFR 332 65.0 8
61667919 332 SHAVANO WAY SAN RAMON CA 94583 Primary SFR 340 80.0 7.875
61702102 3011 ROGERS ST SAN DIEGO CA 92106 Primary SFR 341 48.9 7.875
62400835 1 SOUTH HUMBOLDT ST SAN MATEO CA 94401 Primary SFR 343 95.0 7.875
62465597 631 GREYLYN DR SAN RAMON CA 94583 Primary SFR 344 80.0 7.875
63058561 1110 TUOLUMNE ROAD MILLBRAE CA 94030 Primary SFR 342 67.0 7.75
759376 760 THE SHORE LINE LA SELVA BE CA 95076 Primary PUD 302 80.0 7.25
806340 3285 CROWNVIEW DR RANCHO PALO CA 90274 Primary SFR 300 53.8 7.75
1572814 26012 MONTE CARLO WAY MISSION VIE CA 92692 Primary PUD 306 80.0 7.625
1591118 2966 DUBLIN DR SOUTH SAN F CA 94080 Primary SFR 307 76.7 7.75
</TABLE>
TABLE (CONTINUED)
<TABLE>
<CAPTION>
LOAN# FIRSTPAYDT MAT DT PANDI SCHPTD ORIG BAL ACT BALANCE SCH BALANCE PURP DOC
- ----- ---------- ------ ----- ------ -------- ----------- ----------- ---- ---
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
1734091 4/1/1999 1/1/2025 2559.69 5/1/1999 342466.09 341695.71 341342.8 PURCH FULL
1839250 1/1/1999 5/1/2024 1619.55 5/1/1999 222854.88 221845.94 221589.82 R/T REFI FULL
2143364 2/1/1999 5/1/2024 2104.2 5/1/1999 276743.55 275296.56 274998.99 PURCH FULL
226033 2/1/1999 12/1/2023 2395.88 5/1/1999 313442.83 309537.53 309172.99 C/O REFI FULL
2400987 3/1/1999 2/1/2024 1722.41 5/1/1999 228033.95 227532.96 227280.03 R/T REFI FULL
2531968 3/1/1999 3/1/2024 1862.19 5/1/1999 246808.47 246270.3 245998.61 R/T REFI FULL
2626161 3/1/1999 8/1/2024 2150.88 5/1/1999 286589.42 285987.51 285683.63 R/T REFI FULL
277266 3/1/1999 12/1/2023 1974.9 5/1/1999 263734.66 263134.58 262831.68 C/O REFI FULL
3486168 4/1/1999 3/1/2025 2050.14 5/1/1999 274844.63 274569.53 274292.65 R/T REFI FULL
3985245 1/1/1999 9/1/2024 1572.72 5/1/1999 217365.86 216409.78 216167.08 PURCH FULL
4029771 1/1/1999 9/1/2024 1619.48 5/1/1999 223828.9 222844.42 222594.5 PURCH FULL
5539820 1/1/1999 11/1/2025 2188.49 5/1/1999 289888.18 288854.29 288591.5 C/O REFI RAPD
60716924 4/1/1999 4/1/2026 2310.59 5/1/1999 313615.67 313043.51 313043.51 PURCH FULL
60845244 1/1/1999 9/1/2026 1760.08 5/1/1999 243387.8 242525.41 242306.38 PURCH RAPD
61044512 1/1/1999 8/1/2026 2091.94 5/1/1999 289025.38 287993.91 287731.93 PURCH FULL
61085791 2/1/1999 10/1/2026 2513.14 5/1/1999 335725.75 334895.34 334614.84 R/T REFI FULL
61204935 12/1/1998 9/1/2026 1830.79 5/1/1999 244770.43 243762.14 243556.43 R/T REFI RAPD
61207993 4/1/1999 8/1/2026 2211.46 5/1/1999 301234.13 300968.13 300700.42 C/O REFI FULL
61379689 4/1/1999 11/1/2026 2047.86 5/1/1999 273345.64 273120.08 272893.02 PURCH RAPD
61667919 1/1/1999 4/1/2027 1649.37 5/1/1999 224142.82 223422.04 223238.88 PURCH RAPD
61702102 1/1/1999 5/1/2027 2912.23 5/1/1999 396074.88 394810.54 394489.25 R/T REFI RAPD
62400835 12/1/1998 6/1/2027 1683.23 5/1/1999 229284.62 228380.07 228195.58 PURCH FULL
62465597 1/1/1999 8/1/2027 1733.24 5/1/1999 236279.13 235541.27 235353.77 PURCH FULL
63058561 4/1/1999 9/1/2027 2692.13 5/1/1999 370734.22 369868.63 369565.23 R/T REFI RAPD
759376 12/1/1998 1/1/2024 2305.81 5/1/1999 319758.56 316347.92 315953.38 PURCH FULL
806340 3/1/1999 2/1/2024 2484.73 5/1/1999 328960.1 328237.38 327872.52 PURCH FULL
1572814 12/1/1998 5/1/2024 1698.08 5/1/1999 228767.93 227530.05 227277.73 PURCH FULL
1591118 12/1/1998 6/1/2024 2328.05 5/1/1999 310519.55 308885.53 308552.37 R/T REFI FULL
</TABLE>
TABLE (CONTINUED)
LOAN# APPRAISAL RTRM CLTV
- ----- --------- ---- ----
1734091 450000 308 79.8
1839250 285000 300 77.8
2143364 366000 300 79.6
226033 425000 295 77.5
2400987 320000 297 76.4
2531968 328000 298 79.8
2626161 375000 303 79.8
277266 375000 295 74.8
3486168 392000 310 72.7
3985245 253000 304 89.5
4029771 294000 304 79.4
5539820 600000 318 49.8
60716924 360000 323 89.7
60845244 305000 328 79.5
61044512 365000 327 78.9
61085791 565000 329 60.7
61204935 335000 328 74.3
61207993 451000 327 72.0
61379689 431000 330 64.9
61667919 285500 335 79.7
61702102 825000 336 48.7
62400835 245000 337 94.6
62465597 300000 339 79.8
63058561 565000 340 66.8
759376 425000 296 79.1
806340 650000 297 53.7
1572814 302000 300 79.6
1591118 405000 301 76.2
TOTAL LOANS 28
SCHED UPB $7,795,889.52
WAC 7.745
WAM 314.9
WOLTV 74.1
<PAGE>
EXHIBIT D-2
NMC MORTGAGE LOAN SCHEDULE
<TABLE>
<CAPTION>
LOAN# ADDRESS CITY ST ZIP OCC PROP TERM LTV
<S> <C> <C> <C> <C> <C> <C> <C> <C>
21596135 281 FOGGY CUT LAN LANDRUM SC 29356 Primary SFR 354 78.2
22083943 710 YARMOUTH DRIV WEST CHESTE PA 19380 Primary SFR 360 68.4
22151906 41 REALITOS SAN ANTONIO TX 78261 Primary SFR 360 72.6
22231849 1125 W ENFIELD PLACE CHANDLER AZ 85248 Primary SFR 360 90.0
22254445 303 WINDING STREAM HAMPTON GA 30228 Primary SFR 360 90.0
22271035 EVERGREEN RD SOUTHPORT ME 4576 Secondary SFR 360 80.0
22309058 21522 SOUTH 158TH S CHANDLER AZ 85249 Primary SFR 360 89.7
22327126 1785 BURR OAK DRIV LIBERTY MO 64068 Primary SFR 360 82.6
22334312 1921 BRIDGECREST L KELLER TX 76248 Primary PUD 360 80.0
22355911 2116 BAY TREE DRIV LAS VEGAS NV 89134 Primary SFR 360 79.6
22382519 125 HIDDEN LAKE R ALEDO TX 76008 Primary SFR 360 66.0
22392096 1212 MORTS PASS CINCINNATI OH 45215 Primary SFR 360 90.0
22399232 49 VANDERVEER DR BASKING RID NJ 7920 Primary SFR 360 51.3
22412654 864 CRESCENT GLEN ELLYN IL 60137 Primary SFR 360 80.0
22414627 3008 WAKEFIELD COU CANTON MI 48188 Primary SFR 360 73.3
22479703 14990 WILLIAMSBURG CT EDEN PRAIRI MN 55347 Primary SFR 360 80.0
22483325 12810 SCOTTS GAP RD LOUISVILLE KY 40272 Primary SFR 360 80.0
22502041 550 LAUREL OAKS L ALPHARETTA GA 30004 Primary PUD 360 80.0
22508105 16422 NE50TH ST REDMOND WA 98052 Primary SFR 360 70.0
22518443 212 STANLEY AVE PARK RIDGE IL 60068 Primary SFR 360 70.7
22525166 738 RIDGE DRIVE MCLEAN VA 22101 Primary SFR 360 58.9
22534283 611 WATERLOO RD DEVON PA 19333 Primary SFR 360 80.0
22545628 1229 PLACETAS AVEN CORAL GABLE FL 33146 Primary SFR 360 74.3
22545883 20216 NORTH WALLING BARRINGTON IL 60010 Primary SFR 360 55.6
22552293 5073 VININGS ESTAT SMYRNA GA 30126 Primary PUD 360 86.4
22552509 3620 N COUNTY ROAD 27 LOVELAND CO 80538 Primary SFR 360 75.0
22554513 1555 INGLESIDE DR CHARLOTTESV VA 22901 Primary PUD 360 56.4
22559959 6018 WATSON DR FORT COLLIN CO 80528 Primary PUD 360 72.1
22561641 3420 W 42ND AVE SEATTLE WA 98199 Primary SFR 360 52.0
22563811 749 SNOWBIRD LANE LAFAYETTE CO 80026 Primary PUD 360 80.0
22568091 4531 WCR 34 PLATTEVILLE CO 80651 Primary SFR 360 72.5
22577555 3902 MARLOWE STREE HOUSTON TX 77005 Primary SFR 360 68.9
22577910 5798 179TH AVENUE BELLEVUE WA 98006 Primary PUD 360 80.0
22578280 6652 N CENTRAL PARK LINCOLNWOOD IL 60645 Primary SFR 360 90.0
22585228 17401 FISHERVILLE W FISHERVILLE KY 40023 Primary SFR 360 90.0
22590855 635 S GRETHE COURT LAKE ZURICH IL 60047 Primary SFR 360 75.8
22595623 11770 W 75TH DRIVE ARVADA CO 80005 Primary SFR 360 95.0
22595961 2727 E MAJESTIC RIDGE SALT LAKE C UT 84121 Primary SFR 360 75.8
22596100 10627 SE18TH ST BELLEVUE WA 98004 Primary SFR 360 93.8
22596654 9 PATRICK LANE POQUOSON VA 23662 Primary PUD 360 79.0
22597249 4425 ROSLYN FARM R TRAPPE MD 21673 Primary SFR 360 72.7
22597280 12733 S PERRY PARK RD LARKSPUR CO 80118 Primary SFR 360 77.4
22598585 8214 BAY TREE LANE JACKSONVILL FL 32256 Primary SFR 360 71.6
22600019 4416 S MICHIGAN AVE CHICAGO IL 60653 Primary SFR 360 66.7
22600092 6N240 E RIDGEWOOD ST ST CHARLES IL 60175 Primary SFR 360 69.7
22603898 8 STONY MEADOW LUTHERVILLE MD 21093 Primary PUD 360 80.0
22605414 3107 HUNT ROAD OAKTON VA 22124 Primary SFR 360 80.0
22606826 1745 CLEVELAND ROA MIAMI BEACH FL 33141 Primary SFR 360 68.1
22607360 3942 HONEY SUCKLE EDGEWATER MD 21037 Primary SFR 360 80.0
22608517 5604 PARKSTON RD BETHESDA MD 20816 Primary SFR 360 76.3
22614077 20 AMORY STREET BROOKLINE MA 2446 Primary SFR 360 44.6
22615645 1208 WAVERLY ROAD GLADWYNE PA 19035 Primary SFR 360 70.0
22617518 14502 FRIENDLYWOOD RD BURTONSVILL MD 20866 Primary SFR 360 79.9
22620413 11254 NW103 COURT GRANGER IA 50109 Primary SFR 349 83.3
22620926 1422 KINGWOOD PLAC BOULDER CO 80304 Primary SFR 360 74.3
22620967 3100 RIVERS EDGE COV VIRGINIA BE VA 23452 Primary SFR 360 79.8
22624084 14320 NORTH HOLMES RO COLORADO SP CO 80908 Primary SFR 360 55.9
22624472 4462 W BERTEAU CHICAGO IL 60641 Primary SFR 360 90.0
22624506 3406 W 109TH CIR WESTMINSTER CO 80030 Primary PUD 360 68.8
22625834 560 SUNSET ROAD LOUISVILLE KY 40206 Primary SFR 360 45.8
22627368 6280 W CORONA DR CHANDLER AZ 85226 Primary SFR 360 80.0
22629752 2188 RICE PIKE UNION KY 41091 Primary SFR 360 46.2
22629976 8424S ARMADILLO TR EVERGREEN CO 80439 Primary SFR 360 72.4
22629992 4577 HIGHWAY 24 FLORISSANT CO 80816 Primary SFR 360 75.8
22634836 208 JEFFREY LANE NEWTOWN SQU PA 19073 Primary SFR 360 80.0
22635288 303 KELLEHER DRI LANDENBURG PA 19350 Primary PUD 360 90.0
22639140 5828 N COUNTY ROAD 2 LOVELAND CO 80538 Primary SFR 360 68.4
22639561 102 HIDDEN PINE P DOTHAN AL 36305 Primary PUD 360 80.0
22640031 12650 HIGH MEADOW RD GAITHERSBUR MD 20878 Primary SFR 360 80.0
22643050 1875 ARBOR VALLEY EDMOND OK 73003 Primary PUD 240 80.0
22644314 1329 BAYVIEW DRIVE PORTLAND TX 78374 Primary SFR 360 95.0
22644694 4321 CARL DR LISLE IL 60532 Primary SFR 360 90.0
22655062 320 SENNA COURT NAPERVILLE IL 60565 Primary SFR 360 81.1
22657969 1812 RICHARD ST BURBANK CA 91504 Primary SFR 360 91.5
22665251 3102 WOODHOLLOW DR CHEVY CHASE MD 20815 Primary SFR 360 76.7
22666028 2471 PROVENCE CIRC WESTON FL 33327 Primary PUD 360 75.3
22666853 21357 HIDDEN POND P ASHBURN VA 20148 Primary PUD 360 80.0
22670103 1301 KILLINEY PL LOUISVILLE KY 40207 Primary PUD 240 72.0
22672380 1204 LADY AMBER LA GRANBURY TX 76049 Primary SFR 360 85.0
22673560 290 ALLIE DRIVE MCDONOUGH GA 30252 Primary PUD 360 80.0
22674550 25745 CODY LANE NOVI MI 48374 Primary SFR 360 77.9
22675060 7336 KATRIN DR WEST BLOOMF MI 48322 Primary SFR 360 75.3
22676142 8 REGAN LANE HAWTHORNE W IL 60047 Primary SFR 360 76.6
22676795 5206 STAMPER WAY HOUSTON TX 77056 Primary SFR 360 80.0
22677421 3218 OAKLAND DRIVE SUGAR LAND TX 77479 Primary PUD 360 80.0
22678023 6516 NORTH 27TH ST PHOENIX AZ 85016 Primary PUD 360 72.0
22678890 4323 BRIARGROVE LA DALLAS TX 75287 Primary SFR 360 95.0
22679484 655 AUGUSTA DRIVE LOUISVILLE CO 80027 Primary PUD 360 51.4
22682108 6365 SANDRAY CT COLORADO SP CO 80919 Primary SFR 360 79.9
22682355 1801 COREENWAY CRO HASLET TX 76052 Primary SFR 360 87.4
22682819 19725 COTTAGEWOOD R DEEPHAVEN MN 55331 Primary SFR 360 75.5
22687362 LOT 31 SAGEWIID DRIV GLENWOOD MD 21738 Primary SFR 360 83.4
22687487 3111 CRESTMOOR COURT PROSPECT KY 40059 Primary SFR 360 76.6
22687735 1286 CLEARVIEW DRI YARDLEY PA 19067 Primary SFR 360 80.0
22687768 3276 E SEVEN SPTRING SANDY UT 84092 Primary SFR 360 45.6
22688261 3040 LITTLE HAVEN VIRGINA BEA VA 23452 Primary SFR 360 36.7
22689228 31780 LEEWARD COURT AVON LAKE OH 44012 Primary SFR 360 90.0
22689335 2009 CARTER MILL W BROOKVILLE MD 20833 Primary SFR 360 47.7
22689384 2 ZIG ZAG ALLEY CHARLESTON SC 29401 Primary SFR 360 80.0
22690341 5607 OVERLEA ROAD BETHESDA MD 20816 Primary SFR 360 80.0
22690580 5812 GLEN PARK ROA LOUISVILLE KY 40222 Primary SFR 360 74.3
22696280 127 SPYGLASS ROAD DUCK NC 27949 Secondary PUD 360 69.7
22704092 20 GREENPARK TER SOUTH SAN F CA 94080 Primary PUD 360 80.0
22704118 9604 SOUTH PINES R WARRENTON VA 20186 Primary SFR 360 68.7
22704274 239 S 4TH ST PHILADELPHI PA 19106 Primary SFR 360 80.0
22706824 19231 NE19TH PLACE NORTH MIAMI FL 33179 Primary SFR 360 80.0
22707285 3910 WIEUCA ROAD ATLANTA GA 30342 Primary SFR 360 65.7
22708473 155 ELLSWORTH ST COLORADO SP CO 80906 Primary SFR 360 69.2
22709430 432 SANTA MARINA ESCONDIDO CA 92092 Secondary SFR 360 80.0
22709455 4212 ST ANDREWS BO IRVING TX 75038 Primary PUD 360 77.6
22711949 619 GREENLEAF AVE WILMETTE IL 60091 Primary SFR 360 55.1
22712186 29 PINE CREST RD BIRMINGHAM AL 35223 Primary SFR 360 80.0
22712392 1812 GILDENBOROUGH C MIDLOTHIAN VA 23113 Primary SFR 360 80.0
22712558 11 N OSBORNE AVE MARGATE NJ 8402 Secondary SFR 360 66.0
22713135 2685 SHOREHAVEN DR VIRGINIA BE VA 23454 Primary SFR 360 75.0
22713689 12900 TOBACCO TRAIL BRANDYWINE MD 20613 Primary SFR 360 74.8
22716146 3115 W 111TH DRIVE WESTMINTER CO 80030 Primary PUD 360 87.5
22718175 3201 COLBY AVENUE LOS ANGELES CA 90066 Primary SFR 360 80.0
22720197 10205 HAWK BAY PLAC LAS VEGAS NV 89134 Primary PUD 360 80.0
22721203 213 FAIRWAY DR CULLMAN AL 35057 Primary SFR 360 80.0
22721278 765 VISTA DEL SOL PRESCOTT AZ 86303 Primary SFR 360 78.5
22724025 656 MILITIA HILL WEST CHESTE PA 19382 Primary SFR 360 63.8
22725295 130 BRAMBLE WAY SUMMERFIELD NC 27358 Primary SFR 360 69.6
22726103 6955 OLDE ATLANTA SUWANEE GA 30024 Primary SFR 360 88.0
22727226 18 HUNTLEIGH DOW FRONTENAC MO 63131 Primary SFR 360 66.7
22729024 7962 VIA ORILLA CARLSBAD CA 92009 Primary PUD 360 41.4
22729255 13360 S TRIPLE CROWN BROKEN ARRO OK 74014 Primary SFR 360 62.6
22729875 13513 SILENT LAKE D CLARKSVILLE MD 21029 Primary SFR 360 75.0
22730915 6509 57TH AVE SE SHOHOMISH WA 98290 Primary SFR 360 75.0
22731962 3420 POINCIANA AVENU MIAMI FL 33133 Primary SFR 360 80.0
22732911 459 GREENWOOD RD KENNETT SQU PA 19348 Primary SFR 360 74.9
22735088 7943 S CLAYTON CIR LITTLETON CO 80122 Primary PUD 360 80.0
22735385 38W260 DEERPATH ROAD BATAVIA IL 60510 Primary SFR 360 56.9
22737613 2071 MT HEBRON STR ELLICOTT CI MD 21042 Primary SFR 360 80.0
22737977 11662 FOXSPUR CT ELLICOTT CI MD 21042 Primary SFR 360 64.3
22738272 4894 CHATELAINE DR DUBLIN OH 43017 Primary SFR 360 69.6
22738645 2705 WEDGE COURT ELLICOTT CI MD 21042 Primary SFR 360 79.6
22738769 407 MEADOW LANE LIBERTYVILL IL 60048 Primary SFR 360 76.4
22739510 43 EXCELSO WAY HOT SPRINGS AR 71909 Primary PUD 360 72.0
22739676 204 63RD ST VIRGINIA BE VA 23451 Primary SFR 360 88.2
22740294 23 WILDERNESS GA SANTA FE NM 87501 Primary SFR 360 80.0
22740476 31859 N 53RD ST CAVE CREEK AZ 85331 Primary PUD 360 93.3
22740617 47914 BECKENHAM BLVD NOVI MI 48374 Primary SFR 360 54.3
22742159 4111 MARQUETTE STREE HOUSTON TX 77005 Primary SFR 360 80.0
22742860 16200 MOUNTAIN RIDG PURCELLVILL VA 20132 Primary SFR 360 71.2
22744452 2475 HOWELL MILL R ATLANTA GA 30318 Primary SFR 360 80.0
22747026 12121 MARINE VIEW D BURIEN WA 98146 Primary SFR 360 53.2
22748479 3433 N GREENVIEW AVE CHICAGO IL 60657 Primary SFR 360 78.0
22748511 2307 QUENBY STREET HOUSTON TX 77005 Primary SFR 360 79.8
22748958 52 BAYPOINT HARB POINT PLEAS NJ 8742 Primary Condo 360 71.8
22749188 14664 MARIPOSA COUR WESTMINSTER CO 80020 Primary PUD 360 69.0
22749899 28 ASHTON DRIVE VOORHEES TW NJ 8043 Primary SFR 360 80.0
22750004 10818 HENDERSON RD FAIRFAX STA VA 22030 Primary SFR 360 79.5
22750848 808 CONSTELLATION GREAT FALLS VA 22066 Primary SFR 360 80.0
22751408 32819 SWLADD HILL ROA WILSONVILLE OR 97070 Investor SFR 360 69.1
22751531 38 CARLISLE RD HAWTHORN WO IL 60047 Primary SFR 360 85.0
22751838 316 NUTTALL ROAD RIVERSIDE IL 60546 Primary SFR 360 66.3
22751911 4527 NEW AIRLINE ROA ARLINGTON TN 38002 Primary SFR 360 75.0
22752604 9036 WESTMINSTER DR WOODRIDGE IL 60517 Primary SFR 360 90.0
22752703 13969 FRANKLIN STRE BRIGHTON CO 80601 Primary SFR 360 63.1
22753214 480 LAKESHORE DRI ATLANTA GA 30307 Primary SFR 360 80.0
22754345 275 MONARCH DRIVE CARSON CITY NV 89704 Primary SFR 360 80.0
22754550 12141 W EDGEWOOD DR LOCKPORT IL 60441 Primary SFR 360 80.0
22755573 2996 PROVINCIAL DRIV ANN ARBOR MI 48104 Primary SFR 360 80.0
22755839 9886 KEENAN STREET HIGHLANDS R CO 80126 Primary PUD 360 95.0
22756845 10040E HAPPY VALLEY RD SCOTTSDALE AZ 85255 Primary SFR 360 78.2
22758288 312 RHODODENDRON CHAPEL HILL NC 27514 Primary PUD 360 68.4
22759153 1976 FARROW DRIVE ROCK HILL SC 29732 Primary SFR 360 58.3
22761803 72 CHARLES STREE ANNAPOLIS MD 21401 Primary SFR 360 61.3
22762249 103 LONGFELLOW DR MILLERSVILL MD 21108 Primary PUD 360 80.0
22762934 257 MEYERSVILLE R LONG HILL NJ 7933 Primary SFR 360 80.0
22763049 3426 GERMANTOWN RO DELRAY BEAC FL 33445 Primary SFR 360 80.0
22766414 5412 ROYAL SAINTS FUQUAY VARI NC 27526 Primary SFR 360 73.0
22766828 5525 PINE WOOD FORES ST LOUIS MO 63128 Primary PUD 360 80.0
22767271 1083 OLD BOERNE ROAD BULVERDE TX 78163 Primary SFR 360 75.0
22768097 21860 W 103RD ST SHAWNEE MIS KS 66220 Primary SFR 360 69.1
22768170 12534 LAKE MARY JAN ORLANDO FL 32832 Primary SFR 360 80.0
22768535 2048 LOWER ST DENN ST PAUL MN 55116 Primary SFR 360 73.1
22768972 6603 S HIGHLAND PARK SPOKANE WA 99223 Primary PUD 360 68.2
22769525 3909 WHITE EAGLE D NAPERVILLE IL 60564 Primary SFR 360 74.7
22770267 1495 NORTH HIGHLAND ATLANTA GA 30306 Primary SFR 360 80.0
22770960 15140 WINDY HOLLOW GAINESVILLE VA 20155 Primary PUD 360 80.0
22771034 16095 JACKSON OAKES D MORGAN HILL CA 95037 Primary PUD 360 67.5
22771141 321 RUBY STREET CLARENDON H IL 60514 Primary SFR 360 68.3
22771497 650 17TH AVENUE MENLO PARK CA 94025 Primary SFR 360 64.4
22771851 7 BONNIE BRAE HINSDALE IL 60521 Primary SFR 360 74.3
22772073 2718 WASHINGTON AVE CHEVY CHASE MD 20815 Primary SFR 360 77.7
22772115 19541 SEMINOLE PLAC NORTHRIDGE CA 91326 Investor SFR 360 75.0
22772628 67 JEREMY HILL R STONINGTON CT 6378 Primary SFR 360 78.1
22772727 2008 CAMBRIDGE WAY EDMOND OK 73013 Primary PUD 360 75.6
22774178 1209 TAMRANAE CT AUSTIN TX 78746 Primary PUD 360 80.0
22775068 1225 GREGORY AVENU WILMETTE IL 60091 Primary SFR 360 66.1
22775407 328 SHADES CREST BIRMINGHAM AL 35226 Primary SFR 360 79.1
22775647 9203 VALLEY FORGE FORT WAYNE IN 46835 Primary PUD 360 76.7
22776413 3500 BUCKINGHAM DR CORINTH TX 76205 Primary PUD 360 80.0
22776785 2740 LAKE DRIVE SE E GRAND RAP MI 49506 Primary SFR 360 80.0
22777213 1 SALFORD WAY SIMPSONVILL SC 29681 Primary PUD 360 80.0
22777445 256 TOLSTOY LN SEVERNA PAR MD 21146 Primary PUD 360 54.9
22777783 25 KINGLET CIRCL GREENSBORO NC 27455 Primary PUD 360 72.2
22777841 8 TROTTER WAY COLLEGEVILL PA 19426 Primary SFR 360 79.3
22778013 19 BYRON NELSON SAN ANTONIO TX 78257 Primary SFR 360 74.8
22778542 3927 VERSAILLES LA TUSCALOOSA AL 35406 Primary PUD 360 90.0
22778583 6779 DEERHILL DR CLARKSTON MI 48346 Primary SFR 360 40.0
22778674 6200 HIGHVIEW DRIV PLANO TX 75024 Primary PUD 360 80.0
22778740 5157 SAN JOSE STRE TAMPA FL 33629 Primary SFR 360 66.0
22778831 12 OSPREY LN OCEANPORT NJ 7757 Primary SFR 360 79.2
22779458 5802 GENTLE BREEZE AUSTIN TX 78731 Primary PUD 360 79.7
22779524 87 WESTERN AVE ESSEX MA 1929 Primary SFR 360 73.1
22779706 351 WILLOWOOD LN WILLOWBROOK IL 60514 Primary SFR 360 70.0
22780167 16 HASTINGS COURT ST CHARLES MO 63301 Primary PUD 360 80.0
22780175 209 E GOVERNOR PLAC ST CHARLES MO 63301 Primary PUD 360 78.2
22780183 2503 MELANIE LANE NORTHBROOK IL 60062 Primary SFR 360 76.0
22780423 41W230 SYLVAN DR ELBURN IL 60119 Primary SFR 360 73.1
22780787 608 WYNDHAM CROSS ST LOUIS MO 63131 Primary PUD 360 79.1
22781116 1636 FOREST AIRE S ST LOUIS MO 63131 Primary PUD 360 79.3
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22781413 8400 LINDEN LANE PRAIRIE VIL KS 66207 Primary PUD 360 80.0
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22781686 143 BELLE CHASE D LEXINGTON SC 29072 Primary PUD 360 77.6
22782247 1764 POPP LANE LONG GROVE IL 60047 Primary SFR 360 74.4
22783039 1844 W NEWPORT AVE CHICAGO IL 60657 Primary SFR 360 71.4
22783617 400 ROLAND ST SW VIENNA VA 22180 Primary SFR 360 80.0
22783625 6510 BROXBURN DR BETHESDA MD 20817 Primary SFR 360 70.8
22783823 11412 BARLEY FI MARRIOTTSVI MD 21104 Primary PUD 360 68.0
22783898 13355 ROXTON CIRCLE SAN DIEGO CA 92130 Primary PUD 360 65.8
22783922 2114 RIVER HARBOR HIXSON TN 37343 Primary PUD 360 60.7
22783963 22 74TH ST EAST UN SEA ISLE CI NJ 8243 Secondary Condo 360 90.0
22784193 1507 OLD TALE ROAD BOULDER CO 80303 Primary SFR 360 61.8
22784284 2626 SOUTH MADISON DENVER CO 80210 Primary SFR 360 80.0
22784391 2 HEATHER HILL ST LOUIS MO 63132 Primary SFR 360 62.6
22784771 902 ELSIE BARBER DAVIDSONVIL MD 21065 Primary PUD 360 79.4
22785034 1313 BUTLER BRANCH PETERSBURG VA 23805 Primary SFR 360 90.0
22785158 870 BROADVIEW PLA COLORADO SP CO 80904 Primary SFR 360 75.0
22785380 4514 SAMMUAL COURT ELLICOTT CI MD 21043 Primary SFR 360 90.0
22785406 80 ABINGTON COUR ATLANTA GA 30327 Primary PUD 360 56.4
22785620 1900 ASPEN DR EVERGREEN CO 80439 Primary SFR 360 78.5
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22786248 8650 N OREGON KANSAS CITY MO 64154 Primary SFR 360 95.0
22787352 3 HAZELWOOD CIR PLYMOUTH ME PA 19462 Primary SFR 360 75.0
22787444 7606 NORWOOD AMARILLO TX 79119 Primary PUD 360 80.0
22788178 250 PRICE PL GYPSUM CO 81637 Primary PUD 360 73.2
22788228 9739 BAY HILL DRIV LONE TREE CO 80124 Primary PUD 360 80.0
22788822 1 HERITAGE HILL SKILLMAN NJ 8558 Primary SFR 360 71.4
22788962 12367 PLEASANT VIEW D FULTON MD 20759 Primary PUD 360 74.0
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22791156 5696 SHADY RIVER R HOUSTON TX 77056 Primary SFR 360 68.1
22791503 505 LAKELAND RO SEVERNA PAR MD 21146 Primary SFR 360 80.0
22791586 1554 BIERSTADT COU EVERGREEN CO 80439 Primary PUD 360 66.0
22792162 305 WHITETAIL CIRCL LAFAYETTE CO 80026 Primary PUD 360 95.0
22792824 9973 GRANDVIEW DRIVE LA MESA CA 91941 Primary SFR 360 69.9
22792832 4006 BRUSH HILL RD NASHVILLE TN 37216 Primary SFR 360 68.8
22792964 542 N LAKESIDE DRIVE DURANGO CO 81301 Primary PUD 360 65.3
22793004 2 WESTMORELAND PL ST LOUIS MO 63108 Primary SFR 360 68.6
22793152 3615 MONTE REAL ESCONDIDO CA 92029 Primary SFR 360 62.7
22793202 667 TRESLE GLEN OAKLAND CA 94610 Primary SFR 360 80.0
22793269 531 FAIRFIELD BEA FAIRFIELD CT 6430 Primary SFR 360 36.9
22793277 15604 FROHOCK PLACE CHARLOTTE NC 28277 Primary PUD 360 71.4
22793376 1212 OAK ST WINNETKA IL 60093 Primary SFR 360 77.4
22793434 140 ALTADENA DRIV PITTSBURGH PA 15228 Primary SFR 360 90.0
22794010 4355 STAR RANCH RD COLORADO SP CO 80906 Primary PUD 360 72.3
22794044 3193 PORTER ST NW WASHINGTON DC 20008 Primary SFR 360 76.3
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22794648 5705 RIVER ROCK LA PLANO TX 75093 Primary SFR 360 80.0
22794788 5405 CARRINGTON CI TRUSSVILLE AL 35173 Primary SFR 360 75.0
22795702 978 WINALL DOWN R ATLANTA GA 30319 Primary SFR 360 60.2
22795785 27326 WEST 235TH ST SPRING HILL KS 66083 Primary SFR 360 58.0
22795900 800 HAWBROOKE RD GLENDALE MO 63122 Primary SFR 360 72.8
22795975 200 LANCASTER DRIVE CHAPEL HILL NC 27514 Primary SFR 360 75.8
22796155 6915 WOODSIDE PLAC CHEVY CHASE MD 20815 Primary SFR 360 69.1
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22796759 6020 LARREA LANE RENO NV 89511 Primary SFR 360 86.9
22797898 9921 WILLOW TREE T ROCKVILLE MD 20850 Primary SFR 360 80.0
22798011 8421 HOLLY LEAF DR MCLEAN VA 22102 Primary SFR 360 55.0
22798276 848 COURTWOOD LAN ST LOUIS MO 63011 Primary SFR 360 58.3
22798664 506 CREEK BLUFF D MARTINEZ GA 30907 Primary SFR 360 79.3
22798938 2500 HARTZELL ST EVANSTON IL 60201 Primary SFR 360 74.8
22799308 2805 THORNBROOK RO ELLICOTT CI MD 21042 Primary SFR 360 80.0
22799480 1227 ASHLAND AVE WILMETTE IL 60091 Primary SFR 360 60.0
22799738 19910 MESSINA DRIVE SAN ANTONIO TX 78258 Primary PUD 360 79.7
22799829 1623 W BARRY CHICAGO IL 60657 Primary SFR 360 79.4
22799910 35825 MICHAEL DRIVE SOLON OH 44139 Primary SFR 360 80.0
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22800288 1500 BERKELEY ROAD COLUMBIA SC 29205 Primary SFR 360 89.8
22800296 2 RUNNEYMEDE COUR BLYTHEWOOD SC 29016 Primary PUD 360 80.0
22800510 3502 SPRINGBRANCH RICHARDSON TX 75082 Primary PUD 360 80.0
22800551 1461 CAMINITO BATEA LA JOLLA CA 92037 Primary PUD 360 34.4
22801054 643 ANDERSON STRE MEMPHIS TN 38104 Primary SFR 360 63.0
22801237 11634 MONICA STREET HOUSTON TX 77024 Primary SFR 360 44.0
22801286 606 WESTVIEW AVEN NASHVILLE TN 37205 Primary SFR 360 69.0
22801302 3611 NWBRANDYWINE ST WASHINGTON DC 20008 Primary SFR 360 61.2
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22801955 2693 4TH STREET BOULDER CO 80304 Primary SFR 360 68.4
22802060 9809 GLYNSHIRE WAY POTOMAC MD 20854 Primary PUD 360 51.3
22802466 6355 LAKEVIEW DR FALLS CHURC VA 22041 Primary SFR 360 80.0
22802656 3108 REBA DR HOUSTON TX 77019 Primary SFR 360 80.0
22803076 1133 BLACKSHEAR DR DECATUR GA 30033 Primary SFR 360 80.0
22803126 3505 DEERWOOD COURT RICHARDSON TX 75082 Primary PUD 360 80.0
22803159 319 ARGOSY DRIVE GAITHERSBUR MD 20878 Primary PUD 360 80.0
22803183 4120 NELLIE CUSTIS ARLINGTON VA 22207 Primary SFR 360 76.8
22803233 5420 SANDY POINT L CLIFTON VA 20124 Primary PUD 360 67.3
22803407 11203 HUNTERS POND ST LOUIS MO 63141 Primary SFR 360 67.5
22803811 8414 LA PLATA LOOP AUSTIN TX 78737 Primary PUD 360 80.0
22803878 17432 N IRONHORSE DRI SURPRISE AZ 85374 Primary PUD 360 80.0
22804157 224 HAY MEADOW RO NORTH ANDOV MA 1845 Primary SFR 360 80.0
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22804579 7219 LAVENDALE CIR DALLAS TX 75230 Primary SFR 360 80.0
22804678 1715 COLUMBINE AVE BOULDER CO 80302 Primary SFR 360 76.5
22804918 5260 CAMINTO VISTA SAN DIEGO CA 92130 Primary PUD 360 65.0
22805667 10569 GLENVIEW LN OLATHE KS 66061 Primary SFR 360 80.0
22805949 18415 WESTWOOD DR GLENCOE MO 63038 Primary SFR 360 62.0
22805980 230 MARSH GLEN PO ATLANTA GA 30328 Primary SFR 360 80.0
22806152 451 CALTON HILL C ALPHARETTA GA 30004 Primary PUD 360 80.0
22806293 1297 NWHEARDS FERRY RO ATLANTA GA 30328 Primary SFR 360 55.7
22806319 1069 MINERS RUN ROCHESTER MI 48306 Primary SFR 360 80.0
22806459 9360 S WARHAWK ROAD CONIFER CO 80433 Primary SFR 360 78.5
22806475 19525 INDIAN SUMMER MONUMENT CO 80132 Primary PUD 360 91.2
22806954 2902 HAMDEN DRIVE GREENSBORO NC 27408 Primary SFR 360 80.0
22807002 2613 GOLF ISLAND ELLICOTT CI MD 21042 Primary PUD 360 80.0
22807192 125 BRIGHAM COURT COLORADO SP CO 80906 Primary SFR 360 65.2
22807333 4770 BOW MAR DR LITTLETON CO 80123 Primary PUD 360 71.8
22807366 1539 SPENCER AVE WILMETTE IL 60091 Primary SFR 360 74.1
22807432 735 HUSTLEVILLE R ALBERTVILLE AL 35951 Primary SFR 360 70.0
22807523 5159 DARNELL STREET HOUSTON TX 77096 Primary PUD 360 75.2
22807754 8149 S DUDLEY ST LITTLETON CO 80128 Primary SFR 360 95.0
22808117 20661 MEADOW LN BARRINGTON IL 60010 Primary SFR 360 43.9
22808216 1421 CENTRAL PARKWAY GLENVIEW IL 60025 Primary SFR 360 75.0
22808224 280 AUGER HOLE RO DUNCAN NC 27540 Primary SFR 360 69.9
22808273 5261 FEATHER LANE TILGHMAN MD 21671 Secondary SFR 360 66.2
22808422 605 POLO RUN COVE COLLIERVILL TN 38017 Primary SFR 360 80.0
22808489 2901 WESTMINSTER A UNIVERSITY TX 75205 Primary SFR 360 80.0
22808869 107 RAVINE LANE NORTH BARRI IL 60010 Primary SFR 360 77.5
22808919 25 LAKE RD 5-61 CAMDENTON MO 65020 Secondary SFR 240 70.0
22808935 4284 NEROCKAWAY BEAC BAINBRIDGE WA 98110 Primary SFR 360 64.7
22808976 304 APPLE RIVER DR NAPERVILLE IL 60565 Primary SFR 360 80.0
22809040 859 S COVE WAY DENVER CO 80209 Primary SFR 360 80.0
22809115 229 E WALNUT HINSDALE IL 60521 Primary SFR 360 80.0
22809628 20 WESTHORPE LANE PHOENIXVILL PA 19460 Primary SFR 360 73.3
22810105 420 LAKEVIEW DR SUMMERVILLE SC 29485 Primary PUD 360 75.0
22810196 7 MAGNOLIA AVE MANCHESTER MA 1944 Primary SFR 360 49.5
22810857 1501 BRENTFORD LAN FORT COLLIN CO 80525 Primary PUD 360 79.4
22811228 4017 WESTMOUNT DRI GREENSBORO NC 27410 Primary SFR 360 80.0
22811707 868 GREENBERRY LANE SAN RAFAEL CA 94903 Primary SFR 360 70.2
22811863 290 OLDHAM WAY HUDSON OH 44236 Primary PUD 360 88.4
22812291 5137 E NICHOLS LN LITTLETON CO 80122 Primary PUD 360 68.8
22812614 965 CARTERS GROVE ALPHARETTA GA 30022 Primary PUD 360 80.0
22812713 635 ORD DR BOULDER CO 80303 Primary SFR 360 69.8
22813000 3724 SARATOGA AVE DOWNERS GRO IL 60515 Primary PUD 360 84.8
22813174 1345 PINE VIEW RD GOLDEN CO 80403 Primary PUD 360 80.0
22813208 7 HILLCREST DRI ATHENS OH 45701 Primary SFR 360 77.1
22813349 613 NEZ PERCE CT SUN VALLEY ID 83353 Secondary PUD 360 74.3
22814776 20157 WEST LAKE PARKW GEORGETOWN TX 78628 Primary SFR 360 80.0
22814834 2646 DANFORTH LANE DECATUR GA 30033 Primary SFR 360 76.2
22815088 18736 MAPLETREE LANE DALLAS TX 75252 Primary PUD 360 80.0
22815153 774 HOLLY LN ARNOLD MD 21012 Primary SFR 360 40.0
22815393 108 ALEXANDRIA AVEN ALEXANDRIA VA 22301 Primary SFR 360 80.0
22815617 402 DICKSON STREET KIRKWOOD MO 63122 Primary SFR 360 80.0
22815716 551 BARNES RD LADUE MO 63124 Primary PUD 360 38.2
22816359 3596 CANTRELL ROAD ATLANTA GA 30319 Primary SFR 360 72.3
22816631 14520 BLACK FARMS R HUNTERSVILL NC 28078 Primary SFR 360 66.9
22816938 11998 MAXFIELD BLVD HARTLAND MI 48353 Primary SFR 360 66.9
22817100 1834 FM 1463 KATY TX 77494 Primary PUD 360 80.0
22817589 21 BELLVIEW LN LITTLETON CO 80112 Primary SFR 360 65.0
22817852 2525 W MONTAVISTA PL SEATTLE WA 98199 Primary SFR 360 80.0
22817886 2017 PERSA STREET HOUSTON TX 77019 Primary SFR 360 55.5
22817944 728 PRINCETON HIL BRENTWOOD TN 37027 Primary SFR 360 71.9
22818017 11960 W 68TH AVENUE ARVADA CO 80004 Primary PUD 360 80.0
22818249 811 MARINER LAKEWAY TX 78734 Primary SFR 360 70.0
22819312 5383 STONEHURST MARTINEZ CA 94553 Primary SFR 360 80.0
22819577 4069 WEST RUFFNER SEATTLE WA 98199 Primary SFR 360 80.0
22820799 12582 INDIAN HILL D SYKESVILLE MD 21784 Primary SFR 360 71.6
22820872 4327 BEVERLY DRIVE HIGHLAND PA TX 75205 Primary SFR 360 65.1
22820922 1930 WELLBOURNE DR ATLANTA GA 30324 Primary SFR 360 95.0
22821367 5300 SHERRIER PLNW WASHINGTON DC 20016 Primary SFR 360 80.0
22821466 250 COLTON CREST DR ALPHARETTA GA 30005 Primary PUD 360 80.0
22821532 263 FOX RUN ROAD BANNER ELK NC 28604 Secondary SFR 360 80.0
22821722 3160 GALENA WAY BOULDER CO 80303 Primary PUD 360 66.7
22821987 5935 NHAMLINE AVE SHOREVIEW MN 55126 Primary SFR 360 80.0
22822225 321 LOCHSIDE DRIV CARY NC 27511 Primary PUD 360 90.0
22822910 1665 OAK HILLS DR COLORADO SP CO 80919 Primary PUD 360 75.0
22823207 6428 GLENHOLLOW DRIV PLANO TX 75093 Primary SFR 360 94.4
22824932 5027 KIMBLEWYCK LA CHARLOTTE NC 28226 Primary SFR 360 80.0
22825186 3304 LONE HILL LAN OLIVENHAIN CA 92024 Primary PUD 360 41.5
22825434 3918 NORRISVILLE ROA JARRETTSVIL MD 21084 Primary SFR 360 80.0
22825525 833 RUNNYMEDE ROAD RALEIGH NC 27607 Primary SFR 360 80.0
22826333 10033 MCBROOM STREE SUNLAND CA 91040 Primary SFR 360 71.8
22826432 3 N243 VALEWOOD WEST CHICAG IL 60185 Primary SFR 360 90.0
22826796 1449 SHERWOOD RD HIGHLAND PA IL 60035 Primary SFR 360 79.0
22827323 731 H AVENUE CORONADO CA 92118 Primary SFR 360 69.6
22827364 820 COUNTRY CLUB GREENSBORO NC 27408 Secondary SFR 360 44.8
22827570 5722 TORREY PINES WESTERVILLE OH 43082 Primary SFR 360 80.0
22827653 500 BUENA ROAD LAKE FOREST IL 60045 Primary PUD 360 62.3
22828396 312 MELROSE AVE LOWER MERIO PA 19066 Primary SFR 360 80.0
22828420 2817 AVE OF THE WOOD LOUISVILLE KY 40241 Primary SFR 360 80.0
22828925 3 OXFORD HALL SAN ANTONIO TX 78209 Primary SFR 360 80.0
22829170 238 NORTHVIEW RD DAYTON OH 45419 Primary SFR 360 68.6
22829220 12 PALESTINE RD NEWTOWN CT 6470 Primary SFR 360 67.5
22829451 409 BLACK OAK DRI PETALUMA CA 94952 Primary SFR 360 74.1
22829576 4796 SOMERVILLE RO OXFORD OH 45056 Primary SFR 360 78.4
22829741 9923 WILLOW TREE T ROCKVILLE MD 20850 Primary PUD 360 80.0
22830061 2093 W HOUSTON WAY GERMANTOWN TN 38138 Primary SFR 360 90.0
22830095 13415 ELLIOTT AN CO HERNDON VA 20171 Primary PUD 360 80.0
22830541 346 N MERAMAC AVENU CLAYTON MO 63105 Primary SFR 360 68.3
22830624 720 WOODCREST LANE LEMONT IL 60439 Primary SFR 360 75.0
22830798 29191 HIDDEN VILLAGE EVERGREEN CO 80439 Primary PUD 360 45.8
22830905 10016 S MATTHEW LANE HIGHLANDS R CO 80126 Primary PUD 360 80.0
22830913 560 MANORWOOD LANE LOUISVILLE CO 80027 Primary PUD 360 53.8
22831002 7562 NUTHATCH CIRCLE PARKER CO 80134 Primary PUD 360 79.2
22831234 30335 TELLURIDE LANE EVERGREEN CO 80439 Primary PUD 360 48.6
22831457 3703 FOX MOUNTAIN RO CROZET VA 22932 Primary SFR 360 72.1
22831630 16110 RANCHITA DRIV DALLAS TX 75248 Primary PUD 360 85.0
22831689 9272 HUNTERBORO BRENTWOOD TN 37027 Primary SFR 360 80.0
22831812 886 BREMERTON DRI SUNNYVALE CA 94087 Primary SFR 360 61.2
22831820 3312 AMHERST AVE UNIVERSITY TX 75225 Primary SFR 360 80.0
22832224 19837 BELLEVUE WAY WEST LINN OR 97068 Primary SFR 360 71.7
22832265 23026 ROBERTS RUN D BAY VILLAGE OH 44140 Primary SFR 360 95.0
22832281 6 FOX MEADOWS SUNSET HILL MO 63127 Primary PUD 360 63.5
22832489 5345 CORINTHIAN BA PLANO TX 75093 Primary PUD 360 79.0
22832562 3261 TURKEY FOOT R EDGEWOOD KY 41017 Primary SFR 360 38.6
22832596 6243 VIA DE ADRIAN SAN JOSE CA 91200 Primary SFR 360 64.5
22833032 7108 LAKE RUN CIRC BIRMINGHAM AL 35242 Primary PUD 360 72.7
22833180 2119 CONISTON PLAC CHARLOTTE NC 28211 Primary SFR 360 76.5
22833198 6630 DESCO DRIVE DALLAS TX 75225 Primary SFR 360 80.0
22833339 15416 DEEP BOTTOM RD GERMANTOWN MD 20874 Primary SFR 360 66.3
22833370 40 W 065 MARGAR ST CHARLES IL 60175 Primary SFR 360 80.0
22834386 1503 GINGER DRIVE CARROLTON TX 75007 Primary SFR 360 80.0
22834691 1409 SHANNON PLACE OLD HICKORY TN 37138 Primary PUD 360 76.7
22834741 6500 TORREY PINES CO AUSTIN TX 78746 Primary SFR 360 80.0
22835490 4132 OLD COURSE CHARLOTTE NC 28277 Primary PUD 360 60.1
22835607 13 REMINGTON WAY SAN ANTONIO TX 78258 Primary PUD 360 68.2
22835961 2169W EASTWOOD AVENUE CHICAGO IL 60625 Primary SFR 360 80.0
22835995 17724 LAYTON CT LAKEVILLE MN 55044 Primary SFR 360 74.8
22836092 6828 VELASCO AVENU DALLAS TX 75214 Primary SFR 360 80.0
22836324 700 BROWNS CREEK GUNTERSVILL AL 35976 Secondary SFR 360 80.0
22836431 26 W 130 PRESTW WINFIELD IL 60190 Primary SFR 360 77.4
22836662 18821 WIMBLEDON CIR LUTZ FL 33549 Primary PUD 360 71.4
22837074 4830 AMAARJA ROLLING MEA IL 60067 Primary SFR 360 71.4
22837108 1831 BAYBROOK CT NAPERVILLE IL 60564 Primary PUD 360 75.9
22837405 11112 DOUBLE EAGLE NE ALBUQUERQUE NM 87111 Primary PUD 360 79.1
22837439 6181 BREWER RD MASON OH 45040 Primary SFR 360 75.3
22837488 18633 WILDHORSE CREEK WILDWOOD MO 63038 Primary SFR 360 71.4
22837660 2091 ROCKBRIDGE ROAD MCGREGOR TX 76657 Primary SFR 360 80.0
22837918 2733 B NORTH GREENVI CHICAGO IL 60614 Primary SFR 360 74.6
22838130 4754 MIDDLE RD GARNEE IL 60011 Primary SFR 360 89.3
22838148 5670 GEORGE ROAD LITHONIA GA 30038 Primary SFR 360 78.4
22838163 10780 E CHEROKEE LANE PARKER CO 80134 Primary SFR 360 79.3
22838395 3645 PIPING ROCK LAN HOUSTON TX 77027 Primary SFR 360 47.5
22838866 21871 HYDE PARK DRI ASHBURN VA 20147 Primary PUD 360 80.0
22839419 1402 WARSON OAKS COU ST LOUIS MO 63122 Primary PUD 360 80.0
22839625 7560 S PITKIN COURT AURORA CO 80016 Primary PUD 360 59.8
22841332 525 POPLAR DRIVE RIVA MD 21140 Primary PUD 360 80.0
22841571 5775 SUNSET LANE INDIANAPOLI IN 46228 Primary PUD 360 69.1
22842033 5308 WOODGROVE CT CONCORD CA 94521 Primary SFR 360 80.0
22842231 4752 HOLLY TREE DRIV DALLAS TX 75287 Primary PUD 360 80.0
22842512 16 FITZGERALD DR ANNAPOLIS MD 21401 Primary SFR 360 80.0
22842934 4039 BRIARBEND RD DALLAS TX 75287 Primary SFR 360 80.0
22843130 2400 CLEAR FIELD DRI PLANO TX 75025 Primary PUD 360 80.0
22843320 2777 N 2175 E LAYTON UT 84040 Primary SFR 360 68.4
22843502 1100 SHADOW WOOD T DESOTO TX 75115 Primary PUD 360 59.0
22843544 58 BLUEBERRY HI KILLINGWORT CT 6419 Primary SFR 360 80.0
22843957 1502 ARNOLD PALMER LOUISVILLE KY 40245 Primary SFR 360 80.0
22844245 120 KINGSWOOD ROA ANNAPOLIS MD 21401 Primary SFR 360 90.0
22844674 2804 MIDDLE GATE PLANO TX 75093 Primary PUD 360 66.8
22844856 294 NWMACLEAY BLVD PORTLAND OR 97210 Primary SFR 360 74.1
22845374 802 COMMONS FORD AUSTIN TX 78733 Primary SFR 360 76.8
22845424 4400 EILERS AVENUE AUSTIN TX 78751 Primary SFR 360 95.0
22845556 26 MONTEZUMA ST SAN FRANCIS CA 94110 Primary SFR 360 69.9
22846638 175 SHERIDAN POINT ATLANTA GA 30342 Primary SFR 360 60.0
22846661 1480 WILMETTE ST WHEATON IL 60187 Primary SFR 360 68.2
22846687 5640 PILGRIM POINT CUMMING GA 30130 Secondary SFR 360 80.0
22846711 4722 LIONSHEAD CIR LITHONIA GA 30038 Primary SFR 360 95.0
22847362 2318 EDGEMERE LAKE MARIETTA GA 30062 Primary PUD 360 80.0
22847404 8206 ASHWORTH CT JACSONVILLE FL 32256 Primary PUD 360 80.0
22847446 7740 W 95TH STREET BLOOMINGTON MN 55438 Primary SFR 360 80.0
22847461 401 KELLY LN CRYATAL LAK IL 60014 Primary SFR 360 80.0
22848006 2640 E 22ND PLACE TULSA OK 74114 Primary SFR 360 80.0
22848188 5415 HIDDEN VALLEY RENO NV 89502 Primary SFR 360 80.0
22848212 2000 TENNYSON DRIVE FLOWER MOUN TX 75028 Primary PUD 360 80.0
22848733 12680 W RANCHO ESTATE RANCHO CUCA CA 91739 Primary PUD 360 80.0
22848766 3703 KENORA COURT AUSTIN TX 78733 Primary PUD 360 80.0
22848816 3455 CHEROKEE ROAD BIRMINGHAM AL 35223 Primary PUD 360 46.5
22848824 5 SHADOWSTONE L EAST WINDSO NJ 8520 Primary SFR 360 80.0
22848840 6640 BERMUDA DUNES PLANO TX 75093 Primary PUD 360 80.0
22849293 339 HOWELL ST GOLDEN CO 80401 Primary SFR 360 80.0
22849392 1246 KENNEDY AVE LOUISVILLE CO 80027 Primary PUD 360 61.9
22849400 20638 N 16TH WAY PHOENIX AZ 85024 Primary PUD 360 80.0
22850192 116 KAAPUNI DR KAILUA HI 96734 Primary PUD 240 78.7
22850705 244 LINCOLN DRIVE GLENCOE IL 60022 Primary SFR 360 45.4
22850960 3075 S RANGELINE RD COLUMBIA MO 65201 Primary SFR 360 79.4
22851372 8301 COUNTY RD 6930 LUBBOCK TX 79407 Primary SFR 360 80.0
22851463 14312 CLUB CIRCLE ALPHARETTA GA 30004 Primary PUD 360 76.1
22851505 355 MISTWATER TRA ALPHARETTA GA 30022 Primary PUD 360 64.4
22852008 10001 PLANTERS WOOD AUSTIN TX 78730 Primary PUD 360 80.0
22852362 1411 KALLIEN AVENUE NAPERVILLE IL 60540 Primary SFR 360 80.0
22852560 917 CHERRY LANE MANZANITA OR 97130 Secondary SFR 360 80.0
22852743 2982 DUNES COURT LONGMONT CO 80503 Primary SFR 360 88.7
22853105 6 CARNELIAN WAY SAN FRANCIS CA 94131 Primary Condo 360 70.0
22853139 2652 GLEN LOMAN WA SAN JOSE CA 95148 Primary SFR 360 80.0
22853253 3806 N FITZGERALD CO MISSOURI CI TX 77459 Primary PUD 360 80.0
22853329 813 SQUIRE DRIVE VILLA HILLS KY 41017 Primary SFR 360 79.7
22853519 126 WHITTIER CIRCLE FALLS CHURC VA 22042 Primary SFR 360 80.0
22853873 1720 EVERGREEN RD ANCHORAGE KY 40223 Primary SFR 360 88.9
22854145 1323 GREENWOOD AVE TORRANCE CA 90503 Primary SFR 360 75.4
22854202 5466 PANORAMIC LAN SAN DIEGO CA 92121 Primary PUD 360 90.0
22854665 5342 SHREWSBURY AV WESTMINSTER CA 92683 Primary SFR 360 80.0
22855035 150 ASH STREET DENVER CO 80220 Primary SFR 360 66.5
22855365 16904 SUPPLEE LN LAUREL MD 20707 Primary SFR 360 75.0
22855423 7522 SOUTH SURREY MORRISON CO 80465 Primary SFR 360 62.0
22855431 60 E CRESCENT ST SAN RAFAEL CA 94901 Primary SFR 360 80.0
22855647 15817 NORTHPOINT ROAD HUNTERSVILL NC 28078 Primary PUD 360 74.1
22856009 16564 INDIAN RIDGE DR BULLARD TX 75757 Primary PUD 360 80.0
22856017 22420 WAGON WHEEL TRA LAKEVILLE MN 55044 Primary SFR 360 77.2
22856041 5207 W GROVE PLACE DALLAS TX 75248 Primary PUD 360 80.0
22856975 1050 BAY POINTE DR ALPHARETTA GA 30005 Primary PUD 360 69.6
22857163 3310 SEMINOLE COURT SUGAR LAND TX 77479 Primary PUD 360 78.4
22857189 2157 S PARFET COURT LAKEWOOD CO 80227 Primary PUD 360 71.2
22857338 1326 N ADAMS COURT ARLINGTON VA 22201 Primary PUD 360 80.0
22857379 1960 FAIRFAX ST DENVER CO 80220 Primary SFR 360 74.1
22857445 3345 E DESERT FLOWER PHOENIX AZ 85044 Primary PUD 360 95.0
22857494 5204 MARCADAS ALBEQUERQUE NM 87114 Primary PUD 360 90.0
22857528 2251 SCOTT DRIVE FRANKLIN TN 37067 Primary SFR 360 90.0
22857593 6 BEL AIRE CT BURR RIDGE IL 60521 Primary PUD 360 75.0
22857940 440 BEACON STREET CHESTNUT HI MA 2467 Primary SFR 360 38.1
22858724 4305 SOUTHERN AVENUE HIGHLAND PA TX 75205 Primary SFR 360 80.0
22859086 2002 EL DORADO PAR CAPE CORAL FL 33914 Primary PUD 360 80.0
22859698 1003 WALNUT FALLS MANSFIELD TX 76063 Primary SFR 360 80.0
22860019 5901 POLAR BEAR LN WHITE BEAR MN 55110 Primary SFR 360 80.0
22860407 130 RANCHO GRANDE C WIMBERLEY TX 78676 Primary SFR 360 88.3
22860571 6028 E UNIVERSITY BL DALLAS TX 75206 Primary Condo 360 80.0
22861165 1508 CHEROKEE RD LOUISVILLE KY 40205 Primary SFR 360 80.0
22861249 5736 SWISS AVE DALLAS TX 75214 Primary SFR 360 80.0
22861363 12215 ETCHISON ROAD ELLICOTT CI MD 21042 Primary SFR 360 79.9
22861496 2 LOS REYES DRI POINT REYES CA 94956 Primary SFR 360 66.3
22861520 818 GREGG STREET COLUMBIA SC 29201 Primary PUD 360 92.6
22861561 690 BUENA VISTA S MOSS BEACH CA 94038 Primary SFR 360 80.0
22861868 11582 E IDA AVENUE ENGLEWOOD CO 80111 Primary PUD 360 80.0
22862205 24930 NORTHAMPTON F SPRING TX 77389 Primary PUD 360 80.0
22862221 9671 HUNTCLIFF TRA ATLANTA GA 30350 Primary PUD 360 80.0
22862288 6820 SWDANCASTER ROA TOPEKA KS 66610 Primary SFR 360 80.0
22862585 262 BELLE MEADE L MEMPHIS TN 38117 Primary SFR 360 77.8
22863054 522 EAST ALAMAR A SANTA BARBA CA 93105 Primary SFR 360 58.0
22863260 1 BIRCH DRIVE PLAINSBORO NJ 8536 Primary SFR 360 80.0
22863328 2931 GEORGETOWN STRE HOUSTON TX 77005 Primary SFR 360 80.0
22863716 3606 GARDINIA DRIV DALWORTHING TX 76016 Primary PUD 360 80.0
22863823 2840 MOONSTONE VIE COLORADO SP CO 80906 Primary PUD 360 80.0
22864318 645 SUNSET LN GLENCOE IL 60022 Primary SFR 360 63.1
22864359 5652S MONROE HINSDALE IL 60521 Primary PUD 360 57.7
22864789 8000 MINERAL SPRIN PLANO TX 75025 Primary PUD 360 80.0
22864995 870 CLAY POND DRI OAKLAND TN 38060 Primary SFR 360 77.2
22865182 4285 DOVE POINT DULUTH GA 30096 Primary PUD 360 80.0
22865760 9176 E MOUNTAIN SPRING SCOTTSDALE AZ 85255 Primary SFR 360 79.9
22866271 1946 ARDEN WAY LANE GERMANTOWN TN 38138 Primary PUD 360 80.0
22866289 4260 E SPRING DR OGDEN UT 84403 Primary SFR 360 71.5
22866461 22236 W THORNRIDGE DR KILDEER IL 60047 Primary SFR 360 80.0
22866479 803 POTOMAC PLACE SOUTHLAKE TX 76092 Primary PUD 360 80.0
22866651 16036 FIELDS END COUR WOODBINE MD 21797 Primary SFR 360 80.0
22867030 8715 OLD CREEK RD MEMPHIS TN 38125 Primary SFR 360 46.7
22867253 6504 TIPPERARY COU CLARKSVILLE MD 21029 Primary PUD 360 90.0
22867394 7508 MASON DELLS DRI DALLAS TX 75230 Primary SFR 360 73.9
22867527 315 VALDEZ AVE HALF MOON B CA 94019 Primary SFR 360 61.7
22867790 1912 NAGLEE AVE SAN JOSE CA 95126 Primary SFR 360 80.0
22867824 700 BUTTERFIELD R SAN ANSELMO CA 94960 Primary SFR 360 69.1
22867865 5608 ST PETER DRIV PLANO TX 75093 Primary PUD 360 80.0
22868186 1700 ONEIDA STREET DENVER CO 80220 Primary SFR 360 72.2
22868293 100 ROSALER COURT MORRISVILLE NC 27560 Primary PUD 360 90.0
22868418 8615 REINHARDT LN LEAWOOD KS 66206 Primary PUD 360 68.8
22868954 1669 LENOX RD ATLANTA GA 30303 Primary SFR 360 74.9
22869135 2792 FARIBA COURT VIENNA VA 22181 Primary SFR 360 77.6
22869432 1372 NORTH PARK DR LAFAYETTE CO 80026 Primary PUD 360 76.8
22869796 1830 NAGLEE AVENUE SAN JOSE CA 95126 Primary SFR 360 74.0
22869978 1240 OAK LAKE CIRCLE EADS TN 38028 Primary SFR 360 80.0
22870083 10616 BROWN FOX TRL LITTLETON CO 80125 Primary PUD 360 94.3
22870182 950 LANCASTER WAL ATLANTA GA 30328 Primary PUD 360 80.0
22870216 64035 RCR 129 CLARK CO 80428 Primary SFR 360 51.3
22870265 15 CARMELITA AVE MILL VALLEY CA 94941 Primary SFR 360 69.3
22870869 6920 CHATFORD LANE CHARLOTTE NC 28210 Primary PUD 360 80.0
22870950 209 KEY COURT BRENTWOOD TN 37027 Primary SFR 360 79.9
22871222 6240 E CHARTER OAK R SCOTTSDALE AZ 85254 Primary SFR 360 90.0
22871545 1612 BREAKWATER LA PLANO TX 75093 Primary PUD 360 80.0
22871628 325 SOUTHBRIDGE L DAYTON OH 45459 Primary SFR 360 91.8
22871669 13155 ADDISON ROAD ROSWELL GA 30075 Primary PUD 360 80.0
22871891 7223 DEVEREUX CT ALEXANDRIA VA 22315 Primary PUD 360 80.0
22872402 952 BROOKSHADE PA ALPHARETTA GA 30004 Primary PUD 360 90.0
22872410 7039 WILLOWICK DRI BRENTWOOD TN 37027 Primary PUD 360 88.6
22872667 3566 LARSON LANE ROANOKE VA 24018 Primary SFR 360 78.8
22872733 36918 DEERVIEW DR LAKE VILLA IL 60046 Primary PUD 360 88.3
22872824 3435 S OLEANDER DR CHANDLER AZ 85248 Primary PUD 360 82.5
22873079 13 PINION LN EAGLE CO 81631 Primary SFR 360 80.0
22873665 6825 PATRICK LANE PLANO TX 75024 Primary SFR 360 80.0
22873871 4075 SOUTH MOUNT OLY SALT LAKE C UT 84124 Primary SFR 360 80.0
22873988 11235 N 129TH WAY SCOTTSDALE AZ 85259 Primary PUD 360 80.0
22874812 9906 HESSICK CT GREAT FALLS VA 22066 Primary SFR 360 61.8
22874978 12022 PALISADES DRI DUNKIRK MD 20754 Primary SFR 360 75.0
22875082 7115 JOHNSON CIR NIWOT CO 80503 Primary PUD 360 84.6
22875090 706 THE HAMPTON CHETERFIELD MO 63017 Primary PUD 360 58.7
22875280 2203 MAGNOLIA COVE BIRMINGHAM AL 35243 Primary SFR 360 79.9
22875405 36859 GREEN COVE DR THE SEA RAN CA 95497 Secondary PUD 360 66.7
22875751 2801 CARTERTON WAY FLOWER MOUN TX 75028 Primary PUD 360 80.0
22875793 1301 ANNIE LN LIBERTYVILL IL 60048 Primary SFR 360 67.8
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22876288 700 PARK STREET S VIENNA VA 22180 Primary SFR 360 80.0
22876445 19571 EVERGREEN MILLS LEESBURG VA 20175 Primary SFR 360 80.0
22877344 8603 SUMMER SONG C FAIR OAKS R TX 78015 Primary SFR 360 77.3
22877500 902 ELM ST WOODLAND CA 95695 Primary SFR 360 80.0
22877559 3813 PARCHMENT CIR RICHMOND VA 23233 Primary SFR 360 80.0
22877682 2332 KAYS CREEK DR LAYTON UT 84040 Primary SFR 360 69.7
22877716 15408 SE66TH PL BELLEVUE WA 98006 Primary SFR 360 80.0
22877930 5465 COUNTRY LANE GREENFIELD MN 55357 Primary SFR 360 80.0
22878458 3630 OLD PFAFFTOWN R WINSTON-SAL NC 27106 Primary SFR 360 90.0
22878979 20217 KIRKWOOD SHOP R PARKTON MD 21161 Primary SFR 360 94.0
22879043 18415 COMUS ROAD DICKERSON MD 20842 Primary SFR 360 78.6
22879381 38250 CLATTERB PURCELLVILL VA 20132 Primary SFR 360 50.0
22880371 680 FAIRVIEW AVEN ANNAPOLIS MD 21403 Primary Condo 360 90.0
22880843 783 NEROGAHN STREET HILLSBORO OR 97124 Primary SFR 360 70.0
22884407 555 SHADOWBROOK C DAVIDSONVIL MD 21035 Primary PUD 360 80.0
22884662 820 GILGALAD WAY FORT COLLIN CO 80526 Primary PUD 360 80.0
22885065 6569 PINEHURST LN LOVELAND OH 45140 Primary PUD 360 74.8
22885099 2444 ELM LEAF LANE PLANO TX 75025 Primary PUD 360 80.0
22885636 9009 EDGEPARK ROAD VIENNA VA 22182 Primary PUD 360 78.9
22888879 31453 BLACKFEATHER TR EVERGREEN CO 80439 Primary SFR 360 80.0
22889323 131 WENDOVER CT COMMERCE TW MI 48390 Primary SFR 360 88.9
22890263 707 CONOVER LANE YORKVILLE IL 60560 Primary SFR 360 77.1
22890701 322 N HARPER AVENUE LOS ANGELES CA 90048 Primary SFR 360 90.0
22890776 130 PLANTERS WALK FAYETTEVILL GA 30214 Primary SFR 360 75.0
22890990 102 TELLER ST FRISCO CO 80443 Primary SFR 360 80.0
22891386 2770 SOUTH CHEROKEE WOODSTOCK GA 30188 Primary SFR 360 90.0
22891535 339N GROVE AVE OAK PARK IL 60302 Primary SFR 360 79.3
22891550 15095 COPPERFIELD D COLORADO SP CO 80921 Primary PUD 360 90.0
22891675 4427 ST. IVES PLACE CHARLOTTE NC 28211 Primary PUD 360 75.0
22892558 190 GLENWOOD LANE FAYETTEVILL GA 30215 Primary PUD 360 90.0
22892889 8279 S HOMESTEAD LAN TEMPE AZ 85284 Primary PUD 360 60.4
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22892921 10735 BULL VALLEY DR WOODSTOCK IL 60098 Primary SFR 360 74.3
22893838 17837 MARY MARGARET DALLAS TX 75287 Primary SFR 360 80.0
22894109 20 FALLING OAKS TR AUSTIN TX 78738 Primary PUD 360 80.0
22894638 103 ABSHER COURT MORRISVILLE NC 27560 Primary PUD 360 80.0
22895106 5755 W BERRY AVE LITTLETON CO 80123 Primary PUD 360 94.9
22895528 740 HUNTING VIEW ATLANTA GA 30328 Primary PUD 360 78.4
22895726 235 STONELEIGH DR ATLANTA GA 30331 Primary PUD 360 90.0
22895940 135 RIVER LANDING ATLANTA GA 30350 Primary PUD 360 79.8
22896047 5712 MAIDSTONE DR RICHARDSON TX 75082 Primary PUD 360 80.0
22897268 3774 GEORGETOWN ST HOUSTON TX 77005 Primary SFR 360 42.8
22897425 10893S SHELBROOKE DRIV SOUTH JORDA UT 84095 Primary SFR 360 75.0
22897607 5241E OTERO PLACE LITTLETON CO 80122 Primary PUD 360 59.9
22897698 6703 TENNYSON DRIVE MCLEAN VA 22101 Primary SFR 360 80.0
22897870 4375 NORTH IMPERIAL PROVO UT 84604 Primary SFR 360 90.0
22898712 2505 LENNOX GERMANTOWN TN 38138 Primary SFR 360 80.0
22898753 1114 KANEVILLE RD GENEVA IL 60134 Primary SFR 360 80.0
22898829 481 GRANT STREET ATLANTA GA 30312 Primary SFR 360 80.0
22899033 6700 DEERVIEW DR LOVELAND OH 45140 Primary PUD 360 80.0
22899603 1888 COLD CREEK CO VIENNA VA 22182 Primary SFR 360 75.0
22900310 1410 MICAH WAY KELLER TX 76248 Primary PUD 360 80.0
22900419 2 W WALINCA WALK ST LOUIS MO 63105 Primary SFR 360 51.7
22900773 24228 NE7TH PLACE REDMOND WA 98053 Primary SFR 360 80.0
22901193 1923 EAST 8325 SOUTH SANDY UT 84093 Primary SFR 360 74.2
22901672 1814 SUNSET BOULEVAR HOUSTON TX 77005 Primary SFR 360 80.0
22901680 12419 FRANCEL LANE CYPRESS TX 77429 Primary PUD 360 76.6
22901979 6814 NORTHPORT DRIVE DALLAS TX 75230 Primary SFR 360 63.5
22903314 303S HOBBLE BUSH LN VERNON HILL IL 60061 Primary PUD 360 79.4
22904254 37 TESSERA AVENU FOOTHILL RA CA 92610 Primary PUD 360 74.9
22904312 1616 COURTFIELD COLLIERVILL TN 38017 Primary SFR 360 95.0
22904965 4119 BRIGADE TRAIL KENNESAW GA 30152 Primary SFR 360 66.7
22905285 9007 TRANQUIL PARK SPRING TX 77379 Primary PUD 360 80.0
22905467 281 ORANGE HEIGHT CORONA CA 91720 Primary SFR 360 80.0
22907539 715 CLYDE CIRCLE BRYN MAWR PA 19010 Primary SFR 360 75.0
22907885 252 JOYCE LANE WEST ARNOLD MD 21012 Primary SFR 360 61.2
22908081 315 STONECASTLE P ATLANTA GA 30331 Primary PUD 360 90.0
22908396 1417 8TH ST SHALLOWATER TX 79363 Primary SFR 360 76.3
22908537 45619 ADDINGTON LN NOVI MI 48374 Primary SFR 360 90.0
22908586 420 WADE GLEN COU ALPHARETTA GA 30004 Primary SFR 360 80.0
22909154 8 BLUERIDGE IRVINE CA 92720 Primary SFR 360 70.2
22909485 25592 SARITA DR LAGUNA HILL CA 92653 Primary SFR 360 79.0
22909907 2433 GLEN ARDEN DRIV ST. LOUIS MO 63146 Primary PUD 360 75.0
22910137 3245 NWTALON TERRACE PORTLAND OR 97229 Primary SFR 360 95.0
22910152 14008 RIVERCREST DR LITTLE ROCK AR 72212 Primary PUD 360 95.0
22910228 4501 MONTIBELLO CHARLOTTE NC 28226 Primary SFR 360 80.0
22910665 1130 1136 LAUREL S NAPA CA 94559 Investor SFR 360 70.8
22910699 86 MARINERO CIR TIBURON CA 94920 Primary SFR 360 75.0
22910814 719 SEVENTEENTH AVE MENLO PARK CA 94025 Primary SFR 360 79.0
22911457 3625 WOODEN CREEK ARLINGTON TX 76016 Primary SFR 360 80.0
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22911614 55 WILLISTON ROA BROOKLINE MA 2445 Primary SFR 360 43.5
22911663 2227 SKYLANE DR NAPERVILLE IL 60564 Primary PUD 360 72.5
22911861 866 17 MILE DRIVE PACIFIC GRO CA 93950 Primary SFR 360 77.9
22912026 6116 POTTER ROAD SOU WAXHAW NC 28173 Primary SFR 360 63.5
22912034 322 INDIAN BAYOU HOUSTON TX 77057 Primary PUD 360 76.3
22912240 7385 CANTER RUN CUMMING GA 30040 Primary PUD 360 75.0
22912596 3307 NE179TH STREET RICHFIELD WA 98642 Primary SFR 360 90.0
22912950 9860 BRIDLE TRAIL LA ST. LOUIS MO 63128 Primary PUD 360 70.4
22913172 4500 TORTUGA COVE AUSTIN TX 78731 Primary PUD 360 74.2
22913826 2235 LONGACRES DR CHANHASSEN MN 55317 Primary SFR 360 80.0
22914147 107 CHERRYWOOD DRIV LAKE JACKSO TX 77566 Primary SFR 360 70.9
22914444 861 MIDDLETON LN BARTLETT IL 60103 Primary SFR 360 89.0
22915078 12402 HUNTINGWICK DRI HOUSTON TX 77024 Primary PUD 360 80.0
22915219 6859 OSPREY LN EVERGREEN CO 80439 Primary PUD 360 67.0
22915342 6180 EAST CIELO VI ANAHEIM CA 92807 Primary PUD 360 70.0
22915532 5381 ASPENWOOD COU CONCORD CA 94521 Primary SFR 360 80.0
22915557 5309 WOODGROVE COU CONCORD CA 94521 Primary SFR 360 80.0
22916225 5651 E TROY POINTE LITTLETON CO 80126 Primary PUD 360 77.6
22917629 10061 S FAIRGATE WAY HIGHLANDS R CO 80126 Primary SFR 360 95.0
22917710 355 RHODES CHASE CO ALPHARETTA GA 30004 Primary PUD 360 75.0
22918791 464 STONEFIELD COUR SAN JOSE CA 95136 Primary PUD 360 80.0
22918981 35682 LANCASHIRE FARMINGTON MI 48331 Primary SFR 360 72.0
22919021 5800 MCCALL DRIVE PLANO TX 75093 Primary PUD 360 80.0
22919120 10576 ASHLEY NICOLE CORDOVA TN 38018 Primary SFR 360 80.0
22919161 5945 BIRKDALE LN SAN LUIS OB CA 93401 Primary PUD 360 79.9
22919237 301 REEVES COURT FOREST HILL MD 21050 Primary SFR 360 80.0
22919294 2004 ANN AVENUE CARROLLTON TX 75006 Primary SFR 360 80.0
22919567 17 TALAIS DRIVE LITTLE ROCK AR 72211 Primary PUD 360 76.0
22920359 1501 OAKVILLE COURT BEL AIR MD 21014 Primary PUD 360 80.0
22920664 910 ANDIRON DRIVE SUMTER SC 29150 Primary SFR 360 90.0
22921027 6805 EAGLE WING DR SPARKS NV 89436 Primary PUD 360 80.0
22921290 5512 WILTS COURT PLANO TX 75093 Primary PUD 360 80.0
22922082 406 GLENEAGLES CO DAYTON NV 89403 Primary SFR 360 66.7
22925341 3000 MEANDERING RIVE AUSTIN TX 78746 Primary PUD 360 75.8
22926406 6002 E ROY ROGERS LA CAVE CREEK AZ 85331 Primary PUD 360 80.0
22926455 9178 SOUTH BUCK HI HIGHLANDS R CO 80126 Primary PUD 360 80.0
22926521 611 GLENDALE AVEN DECATUR GA 30030 Primary SFR 360 80.0
22927479 1390 MONTEREY BLVD SAN FRANCIS CA 94127 Primary SFR 360 76.5
22927503 2403 E BEAR HILLS CI DRAPER UT 84020 Primary SFR 360 64.7
22928626 6515 SWECOLA PLACE BEAVERTON OR 97007 Primary SFR 360 80.0
22929301 2352 SUNNY VISTA D SAN JOSE CA 95128 Primary SFR 360 79.8
22929350 560 WILDE GREEN D ROSWELL GA 30075 Primary PUD 360 80.0
22930333 14 AMBER SKY PLA THE WOODLAN TX 77381 Primary PUD 360 80.0
22931398 4718 N PAULINA AVENUE CHICAGO IL 60640 Primary SFR 360 75.0
22932289 11009 PUMA CLIFF LITTLETON CO 80124 Primary PUD 360 80.0
22932974 14300 MORNING M ALPHARETTA GA 30004 Primary PUD 360 80.0
22933691 4808 FLORENCE STREET BELLAIRE TX 77401 Primary SFR 360 80.0
22934780 2400 LYONS AVENUE RENTON WA 98059 Primary PUD 360 64.0
22936272 923 SOUTH BRONSON LOS ANGELES CA 90019 Primary SFR 360 90.0
22936363 5036 SELINDA LN SAN JOSE CA 95124 Primary SFR 360 76.3
22937031 3716 BACCURATE WAY MARIETTA GA 30062 Primary PUD 360 62.0
22937395 925 SOUTH SKYLAKE D WOODLAND HI UT 84653 Primary SFR 360 80.0
22937676 9801 GAVIN STONE A LAS VEGAS NV 89128 Primary PUD 360 80.0
22937718 339 BLACKBERRY LANE STEAMBOAT S CO 80477 Primary SFR 360 80.0
22937783 5313 WOODGROVE CT CONCORD CA 94521 Primary SFR 360 67.8
22937833 990 YELLOW PINE A BOULDER CO 80304 Primary PUD 360 80.0
22937924 745 E CENTER STREET ALPINE UT 84004 Primary SFR 360 90.0
22942098 1646 JOHNSON ROAD ATLANTA GA 30306 Primary SFR 360 80.0
22942262 9880 N 111TH PLACE SCOTTSDALE AZ 85259 Primary SFR 360 68.3
22943484 296 GREENWAY DRIV PACIFICA CA 94044 Primary SFR 360 80.0
22943492 21 RIDGE DRIVE BIRMINGHAM AL 35213 Primary SFR 360 80.0
22943542 327 ELLEN DRIVE SAN RAFAEL CA 94903 Primary SFR 360 75.0
22944490 2382 HECATE COURT SAN JOSE CA 95124 Primary SFR 360 80.0
22944847 9612 GREENEL ROAD DAMASCUS MD 20872 Primary SFR 360 74.4
22945273 6679 AVALON AVE DALLAS TX 75214 Primary SFR 360 73.7
22945281 11110 TOMMYE LANE RESTON VA 22094 Primary PUD 360 78.8
22946164 30 QUIEN SABE RD SCOTTS VALL CA 95066 Primary SFR 360 80.0
22946271 6658 N AVENIDA DE LAS TUCSON AZ 85750 Primary PUD 360 80.0
22946784 811 CRESTWOOD DRIVE GLENWOOD SP CO 81601 Primary SFR 360 80.0
22946842 36172 KIOTE DRIVE NEWARK CA 94560 Primary PUD 360 53.9
22946891 7 LILLIAN COURT SAN ANSELMO CA 94960 Primary SFR 360 80.0
22947840 53 GAMBLE LANE SEDONA AZ 86336 Secondary SFR 360 80.0
22948442 6588 PERRY PARK BLVD LARKSPUR CO 80118 Primary SFR 360 80.0
22948798 3007 RIVERCREST DRIV AUSTIN TX 78746 Primary SFR 360 75.0
22952477 6434 PARK LANE DALLAS TX 75225 Primary SFR 360 80.0
22955561 15916 NORTHSTONE DRIV CHARLOTTE NC 28078 Primary SFR 360 95.0
22955777 50753 SMITH CREEK ROA STEAMBOAT S CO 80487 Primary SFR 360 68.8
22956833 5805 RIVER DRIVE LORTON VA 22079 Primary SFR 360 77.4
22957088 16812 SE58TH PLACE BELLEVUE WA 98006 Primary PUD 360 46.4
22957872 227 S PITT ST ALEXANDRIA VA 22314 Primary SFR 360 80.0
22959076 5100 SAN FELIPE HOUSTON TX 77056 Primary Condo 360 80.0
22959456 4691 NORTH POINT WEST HALF A CO 81620 Primary SFR 360 71.3
22960652 601 CIELO GRANDE SANTA FE NM 87505 Primary SFR 360 80.0
22962955 2109 QUENBY STREET HOUSTON TX 77005 Primary SFR 360 80.0
22967319 10601 OUTPOST DRIVE NORTH POTOM MD 20878 Primary PUD 360 74.6
22967327 7394 SPRING SUMMITT SPRINGFIELD VA 22150 Primary PUD 360 80.0
22967350 6441 GEORGETOWN PIKE MCLEAN VA 22101 Primary SFR 360 80.0
22969042 3624 COUNTRY CLUB BIRMINGHAM AL 35213 Primary SFR 360 68.7
22969521 1428 INGLESIDE AVENU MCLEAN VA 22101 Primary SFR 360 80.0
22969620 14019 LOBLOLLY TERRAC ROCKVILLE MD 20850 Primary SFR 360 63.5
22970206 10094 COVER PLACE FAIRFAX VA 22030 Primary SFR 360 76.0
22971584 2180 SOUTH DALLAS ST DENVER CO 80231 Primary SFR 360 76.8
22981740 2703 GLENEAGLES CO NAPERVILLE IL 60565 Primary SFR 360 77.6
22982235 24 SILENT GROVE WESTPORT CT 6880 Primary SFR 360 47.8
22982284 5221 FERNBROOK DRI CENTERVILLE VA 20120 Primary SFR 360 79.3
22982375 15 DEER PATH TRA BURR RIDGE IL 60521 Primary SFR 360 64.3
22982458 8 GALLANT FOX W GREENVILLE SC 29615 Primary PUD 360 73.8
22982490 809 TIMBER LAKE C SOUTHLAKE TX 76092 Primary PUD 360 72.3
22982557 413 WILLET DRIVE COPPELL TX 75019 Primary PUD 360 80.0
22982599 522 NORTH WISNER PARK RIDGE IL 60068 Primary SFR 360 66.3
22983613 3123 WOODLAND COUR LA PORTE TX 77571 Primary PUD 360 85.0
22984843 3 TUBWRECK DRIV MEDFIELD MA 2052 Primary SFR 360 74.0
22984959 HC 72 BOX 89F NEW CREEK WV 26743 Primary SFR 360 80.0
22985048 11504 KAREN DRIVE POTOMAC MD 20854 Primary SFR 360 80.0
22985089 108 PRAIRIE LANE LONGVIEW TX 75605 Primary PUD 360 80.0
22985139 105 RICK STREET TROY AL 36079 Primary SFR 360 90.0
22985154 5626 BRIAR DRIVE HOUSTON TX 77056 Primary PUD 360 73.0
22985220 8119 WEKIVA LANE JACKSONVILL FL 32256 Primary PUD 360 86.9
22985618 712 CASTLE CREEK COPPELL TX 75019 Primary PUD 360 75.8
22985626 861 ST JAMES DRI FAIRVIEW TX 75069 Primary PUD 360 69.7
22985634 998 TIMBER LEE CO NAPERVILLE IL 60540 Primary SFR 360 80.0
22986301 7534 GUINEVERE DRI SUGAR LAND TX 77478 Primary PUD 360 78.1
22986343 888 15TH STREET BOULDER CO 80302 Primary SFR 360 90.0
22986467 8 FAR HILL LANE PLEASANTVIL NY 10570 Primary SFR 360 80.0
22987366 12629 W OAK DRIVE MOUNT AIRY MD 21771 Primary SFR 360 71.9
22987457 1711 DAKOTA CT VONORE TN 37885 Primary PUD 360 72.3
22987507 4311 19TH STREET N ARLINGTON VA 22207 Primary SFR 360 80.0
22987523 10013 SCENIC VIEW T VIENNA VA 21182 Primary SFR 360 80.0
22987614 1105 NORMANDY DRIV SOUTHLAKE TX 76092 Primary SFR 360 72.3
22987705 4584 ROBINSON PLAC BOULDER CO 80301 Primary SFR 360 75.0
22987754 6834 A AVENUE SAINT AUGUS FL 32084 Primary SFR 360 80.0
22987788 68 HIGH POINT RD WESTPORT CT 6880 Primary SFR 360 74.1
22987887 33 LATIMORE WAY OWINGS MILL MD 21117 Primary PUD 240 87.3
22987945 1425 FOXHALL RD WASHINGTON DC 20007 Primary SFR 360 75.0
22987986 15 IRON HOLLOW R SHARON MA 2067 Primary SFR 360 72.2
22988034 431 WARNER HILL R FAIRFIELD CT 6430 Primary SFR 360 62.8
22988166 1760 DURRETT COVE DUNWOODY GA 30338 Primary SFR 360 80.0
22988190 1317 GOLDEN EAGLE GREENWOOD IN 46143 Primary SFR 360 73.4
22988208 5166 BELLMORE CT SUWANEE GA 30024 Primary SFR 360 67.0
22988224 19470 SHERWOOD TRAI MONUMENT CO 80132 Primary PUD 360 70.7
22988257 5007 DOLIVER DRIVE HOUSTON TX 77056 Primary PUD 360 80.0
22988273 359 GLENDOBBIN RO WINCHESTER VA 22603 Primary SFR 360 80.0
22988315 11 SANKEY RD COHASSET MA 2025 Primary SFR 360 79.9
22988323 6003 OVERLEA ROAD BETHESDA MD 20816 Primary SFR 360 48.2
22991657 162 HIGHLAND STRE HOLLISTON MA 1746 Primary SFR 360 80.0
22991806 6126 DOGWOOD DRIVE HARRISON TN 37341 Primary SFR 360 75.0
22991913 18118 BRIDEN OAK CO SPRING TX 77379 Primary PUD 360 74.1
22992010 10907 TAM-O-SHANTER CARMEL IN 46032 Primary PUD 360 72.8
22992077 10107 MILL WHEEL LA VIENNA VA 22182 Primary SFR 360 76.3
22992085 4207 KENWYCK COURT MARIETTA GA 30062 Primary PUD 360 73.2
22992119 325 MEADOWCREEK R COPPELL TX 75019 Primary SFR 360 80.0
22992150 23 LEDGE HILL RO SOUTHBOROUG MA 1772 Primary SFR 360 67.8
22992184 13840 OAK LAKE ROAD WILMER AL 36587 Primary SFR 360 75.0
26086389 254 FOGGY CUT LAN LANDRUM SC 29356 Secondary PUD 360 75.0
27122431 448 TERRAINE AVENUE LONG BEACH CA 90814 Primary SFR 360 69.3
27134303 8300 COMANCHE COUR BETHESDA MD 20817 Primary SFR 360 58.6
27283761 5490 BOBBYWOOD AVE SAN JOSE CA 95124 Primary SFR 360 71.5
27303742 1710 RODEO ROAD ARCADIA CA 91006 Primary SFR 360 61.5
27320605 3688 NORTH 1270 WEST PLEASANT GR UT 84062 Primary SFR 360 88.8
27505478 6134 TEMPLE HILL DRI LOS ANGELES CA 90068 Primary SFR 360 56.2
27532233 374 DEEP NECK ROAD COROLLA NC 27927 Secondary PUD 360 64.9
27552975 902 LAS ROSAS DRIVE WEST COVINA CA 91791 Primary SFR 360 69.9
27555366 23 ENSENADA ROAD SAN CARLOS CA 94070 Primary SFR 360 75.0
27555887 775 VIVIAN DRIVE LIVERMORE CA 94550 Primary SFR 360 74.7
27566447 3120 STANFORD AVE UNIVERSITY TX 75225 Primary SFR 360 67.4
27576537 23252 HAPPY VALLEY SANTA CLARI CA 91321 Primary SFR 360 79.8
27586411 22 IVY DRIVE ORINDA CA 94563 Primary SFR 360 80.0
27593664 1 DOGWOOD HILL DR JACKSON MS 39211 Primary SFR 360 95.0
27600279 630 BROOKSIDE DR DANVILLE CA 94526 Primary SFR 360 64.6
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27625045 352 FILBERT STREET HALF MOON B CA 94019 Primary SFR 360 79.8
27625060 836 RIVERSIDE DR ORMOND BEAC FL 32174 Primary SFR 360 77.0
27625292 14 MT RAINIER COUR SAN RAFAEL CA 94903 Primary SFR 360 56.8
27625631 3844 SUNCREST AVE SAN JOSE CA 95132 Primary SFR 360 57.6
27652346 2923 EDDINGTON TERRA ALEXANDRIA VA 22302 Primary PUD 360 80.0
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27657691 115 BALLAS COURT TOWN AND CO MO 63131 Primary PUD 360 69.1
27682517 1 STREAM VALLEY C GAITHERSBUR MD 20882 Primary SFR 360 80.0
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27697952 1421 STEPHEN WAY SAN JOSE CA 95129 Primary SFR 360 77.3
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27705797 1400 SHADY GLEN ROAD GLENDALE CA 91208 Primary SFR 360 75.4
27706399 108 TURKEY CROSSI ELGIN SC 29045 Primary PUD 360 95.0
27713635 3 LORENZO IRVINE CA 92614 Primary PUD 360 77.9
27721273 200 CASTLE RIDGE RO NEW BERN NC 28562 Primary SFR 360 80.0
27725647 2366 KENILWORTH AV LOS ANGELES CA 90027 Primary SFR 360 75.0
27737188 6538 CRESCENT LAKE D LAKELAND FL 33813 Primary SFR 360 90.0
27738830 2311 JEANNITON LANE DELTONA FL 32738 Primary SFR 360 70.0
27742824 283 SEPULVEDA COURT MILPITAS CA 95035 Primary SFR 360 75.6
27744465 339 FORBES AVENUE SAN RAFAEL CA 94901 Primary SFR 360 76.2
27744648 1627 16TH AVENUE SAN FRANCIS CA 94122 Primary SFR 360 80.0
27745751 ROUTE 1 BOX 147 GOODE VA 24556 Primary SFR 360 75.0
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27758804 4964 FIRENZA DRIVE CYPRESS CA 90630 Primary SFR 360 62.1
27760149 12300 CATHARINES FURN SPOTSYLVANI VA 22553 Primary PUD 360 80.0
27764927 7261 GATESIDE DR BOCA RATON FL 33496 Primary PUD 360 75.5
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27766690 3108 EANES CIRCLE AUSTIN TX 78746 Primary SFR 360 90.0
27770783 1981 14TH AVENU SAN FRANCIS CA 94116 Primary SFR 360 76.7
27771120 3601NE23RD AVENUE FORT LAUDER FL 33308 Primary SFR 360 90.0
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27774082 671 VISTA CERRO T FREMONT CA 94539 Primary PUD 360 55.0
27774413 1512 INDIANA AVENUE SOUTH PASAD CA 91030 Primary SFR 360 75.0
27781822 2508 MYRTLE AVENUE SULLIVANS I SC 29482 Primary SFR 360 45.5
27782010 3721 HARRISON STREET WASHINGTON DC 20015 Primary SFR 360 72.5
27783257 349 OCEAN SHORE D ORMOND BEAC FL 32176 Primary SFR 360 52.3
27783786 406 YALE DRIVE ALEXANDRIA VA 22314 Primary SFR 360 80.0
27796937 2886 COURTLAND BLVD. SHAKER HEIG OH 44122 Primary SFR 360 69.5
27799568 220 SANTA ROSA AV SAUSALITO CA 94965 Investor SFR 360 37.3
27800929 4340W CLUB DRIVE ATLANTA GA 30319 Primary SFR 360 80.0
27802180 12367 MORNING CREEK GLEN ALLEN VA 23060 Primary PUD 360 80.0
27802966 485 LANDFALL COUR COROLLA NC 27927 Secondary PUD 360 80.0
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27805852 13514 MAVERICK LANE HERNDON VA 20171 Primary SFR 360 76.3
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27806116 1829 MEADOWLAND DRIV GREENVILLE NC 27834 Primary SFR 360 73.2
27806587 10965 STUART MILL ROA OAKTON VA 22124 Primary SFR 360 61.3
27809326 11 CHANNEL DRIVE REDWOOD CIT CA 94065 Primary PUD 360 78.1
27812551 100 BERKELEY WAY SAN FRANCIS CA 94131 Primary SFR 360 51.4
27817980 145 BRIGHTON CLOSE NASHVILLE TN 37205 Primary SFR 360 80.0
27818509 16902 UPPER WOODS COV AUSTIN TX 78734 Primary PUD 360 75.6
27820570 7515 HONESTY WAY BETHESDA MD 20817 Primary SFR 360 74.1
27821321 52 SALT CEDAR LANE KIAWAH ISLA SC 29455 Primary PUD 360 23.9
27822725 41 MEETING STREET CHARLESTON SC 29401 Primary SFR 360 54.1
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27823806 4685 EXBURY COURT SAN DIEGO CA 92130 Primary PUD 360 63.3
27824630 1315 CRESCENT DRIVE MOUNT AIRY NC 27030 Primary SFR 360 64.9
27824705 101 LAWRENCE ROAD ALAMEDA CA 94502 Primary PUD 360 76.8
27830926 18217 HARBOR LIGHT BO CORNELIUS NC 28031 Primary PUD 360 54.8
27831064 3852 COLONEL VANDERH MOUNT PLEAS SC 29464 Primary PUD 360 80.0
27831452 14004 MANGO DRIVE DEL MAR CA 92104 Primary SFR 360 79.8
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27832617 533 MIDDLEFIELD DRI APTOS CA 95003 Primary SFR 360 75.0
27834738 6674 W 80TH PLACE LOS ANGELES CA 90045 Primary SFR 360 65.4
27839182 3641 PIRATE CIRCLE HUNTINGTON CA 92649 Primary SFR 360 66.2
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27842368 1208 LANCASTER PLACE HIGH POINT NC 27262 Primary SFR 360 78.7
27842590 1108 7TH COURT FOX ISLAND WA 98333 Primary SFR 360 73.8
27844877 11921NECORAL DAWN ROAD ALBUQUERQUE NM 87122 Primary SFR 360 79.2
27845007 14673 FIELDSTONE DRIV SARATOGA CA 95070 Primary PUD 360 80.0
27845866 508 PIXIE TRAIL MILL VALLEY CA 94941 Primary SFR 360 75.0
27847987 22602 SACEDON MISSION VIE CA 92691 Primary SFR 360 79.9
27848548 2700 TROUT GULCH ROA APTOS CA 95003 Primary SFR 360 63.3
27848829 215 SOUTHWOOD DRIVE SCOTTS VALL CA 95066 Primary SFR 360 69.2
27849447 288 CASTLE CREST ALAMO CA 94507 Primary SFR 360 75.0
27850734 9201 HAMPTON HUNT DR FAIRFAX STA VA 22039 Primary SFR 360 62.3
27850999 1397 PINE TREE DRIVE ALAMO CA 94507 Primary SFR 360 70.0
27851203 71 TALARICO RD HORSEHEADS NY 14845 Primary SFR 360 73.6
27853779 1406 HILLCREST AVENU GLENDALE CA 91202 Primary SFR 360 75.0
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27855055 5412 CAMINITO EXQUIS SAN DIEGO CA 92130 Primary SFR 360 61.4
27855139 1322 LONGLEAF DRIVE FAYETTEVILL NC 28305 Primary PUD 360 95.0
27855543 113 TOPAZ WAY SAN FRANCIS CA 94131 Primary Condo 360 73.3
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27858299 2200 PARALLEL LANE SILVER SPRI MD 20904 Primary SFR 360 64.0
27858356 9822 DAYS FARM DRI VIENNA VA 22182 Primary PUD 360 80.0
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27859453 3113 VILLA ROSA AVEN TAMPA FL 33611 Primary SFR 360 75.0
27859487 206 EAGLES LANDING MCDONOUGH GA 30253 Primary PUD 360 71.4
27859586 10603 NW49 PLACE CORAL SPRIN FL 33076 Primary PUD 360 87.3
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27864685 1714 BARDSTOWN ROAD CHARLOTTE NC 28226 Primary SFR 360 80.0
27865146 530 GOLDEN SPUR CIR WALNUT CA 91789 Primary SFR 360 80.0
27865203 17915 CASTLE BEND DRI DALLAS TX 75287 Primary SFR 360 75.0
27865393 9130 SCOTT STREET SPRINGFIELD VA 22153 Primary SFR 360 80.0
27865807 43713 CAMERON HILLS D FREMONT CA 94539 Primary PUD 360 58.8
27866185 5111N OCEAN BLVD OCEAN RIDGE FL 33435 Primary Condo 360 59.8
27867464 268 GOVERNORS DRIVE KIAWAH ISLA SC 29455 Primary PUD 360 48.5
27868660 5565 BEAUMONT AVENUE LA JOLLA CA 92037 Primary SFR 360 73.5
27869502 29 MONUMENT PLACE IRVINE CA 92602 Primary SFR 360 80.0
27869684 5325 BEAUMONT CANYON SAN JOSE CA 95138 Primary SFR 360 64.5
27869759 711 SWMARSHALL ROAD VIENNA VA 22180 Primary SFR 360 80.0
27869833 1310 GARDEN LANE SEBASTOPOL CA 95472 Primary SFR 360 72.3
27870195 7605 ARNET LANE BETHESDA MD 20817 Primary SFR 360 80.0
27871268 3616 CENTENARY UNIVERSITY TX 75225 Primary SFR 360 80.0
27871896 31 MARSH COTTAGE L KIAWAH ISLA SC 29455 Secondary PUD 360 43.1
27872324 19628 WEAVERS CIRCLE CORNELIUS NC 28031 Primary SFR 360 53.7
27873389 240 LUNA CIRCLE FOLSOM CA 95630 Primary SFR 360 79.8
27874064 4722 RODMAN STREET N WASHINGTON DC 20016 Primary SFR 360 72.6
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27874767 9816 BOTTON VILLAGE FAIRFAX VA 22032 Primary PUD 360 80.0
27875103 110 WELLINGTON PA NASHVILLE TN 37215 Primary PUD 360 80.0
27875160 2824 BARTRAM ROAD WINSTON-SAL NC 27106 Primary SFR 360 51.3
27875855 17520 HIGH STREET LOS GATOS CA 95030 Primary SFR 360 80.0
27876119 2313 FOUR SEASONS CO SAN JOSE CA 95131 Primary SFR 360 80.0
27876192 3628 VALENZA WAY PLEASANTON CA 94588 Primary PUD 360 80.0
27876713 122 ROCKABILL LANE MOORESVILLE NC 28117 Primary SFR 360 74.7
27878024 425 CAMILLE CIRCLE SAN JOSE CA 95134 Primary PUD 360 80.0
27880012 4706NWFOXHALL CRESCEN WASHINGTON DC 20007 Primary PUD 360 42.3
27880228 3446 NEWRIDGE DR RANCHO PALO CA 90275 Primary SFR 360 78.8
27881267 7209 VALBURN DRIVE AUSTIN TX 78731 Primary SFR 360 71.1
27881861 3110 WESTON PLACE ATLANTA GA 30327 Primary SFR 360 80.0
27882794 8408W HIDDEN LAKES DR GRANITE BAY CA 95746 Primary PUD 360 80.0
27883917 1092 CORVETTE DR SAN JOSE CA 95129 Primary SFR 360 69.6
27884261 117 VIA DE LA VAL DEL MAR CA 92014 Primary PUD 360 51.0
27884725 108 SURREY WOOD LAN BLYTHEWOOD SC 29016 Primary SFR 360 80.0
27886811 403 SEA CLOISTERS HILTON HEAD SC 29928 Secondary Condo 360 80.0
27886878 1842 ELGIN DRIVE VIENNA VA 22182 Primary PUD 360 79.3
27889898 880 WHALEHEAD DRIVE COROLLA NC 27927 Secondary SFR 360 73.1
27890086 5321 LAUREL CANYON SAN JOSE CA 95138 Primary SFR 360 80.0
27890532 2164 GROVE POINT ROA SAVANNAH GA 31419 Primary SFR 360 51.0
27891035 6147 RESERVOIR COURT GRANITE BAY CA 95746 Primary SFR 360 65.1
27891811 320 SANDHURST STREE REDWOOD CIT CA 94065 Primary SFR 360 53.0
27891944 8020 FALSTAFF ROAD MCLEAN VA 22102 Primary SFR 360 76.2
27892520 70 MONTEREY DRIVE MILL VALLEY CA 94941 Primary SFR 360 55.8
27893221 11129 POST HOUSE COUR POTOMAC MD 20854 Primary SFR 360 80.0
27893510 17 BROOKWOOD LANE ROSS CA 94957 Primary SFR 360 42.3
27893908 1547 MARY ELLEN DR FORT MILL SC 29715 Primary SFR 360 74.6
27895853 6248 OLD WASHINGTON SYKESVILLE MD 21784 Primary SFR 360 79.2
27896844 4115 SUGAR MAPLE D DANVILLE CA 94506 Primary PUD 360 68.3
27897941 2507 WILLINGTON COUR MOUNT PLEAS SC 29464 Primary PUD 360 65.0
27898048 5637 SKYLINE CIRCLE LA VERNE CA 91750 Primary PUD 360 79.8
27898097 41 GREENBANK AVENU PIEDMONT CA 94611 Primary SFR 360 61.0
27898162 212 WINDSOR PLACE HILTON HEAD SC 29928 Secondary Condo 360 47.9
27898212 13-15 COOK STREET SAN FRANCIS CA 94118 Primary 2-Family 360 67.2
27898360 6073 WOODFERN DRIVE RANCHO PALO CA 90275 Primary SFR 360 66.8
27898378 1342 CHESTNUT ST SAN CARLOS CA 94070 Primary SFR 360 74.5
27898519 1038 PINE LANE LAFAYETTE CA 94549 Primary SFR 360 43.6
27899392 316 RYDAL AVENUE MILL VALLEY CA 94941 Primary SFR 360 54.1
27899525 2401 INVERNESS ROAD CHARLOTTE NC 28209 Primary SFR 360 80.0
27900299 1930N TEAKWOOD ST CANBY OR 97013 Primary SFR 360 76.9
27901248 222 EDWARDS PLACE GLENDALE CA 91206 Primary SFR 360 75.0
27902485 11291 LONGWATER CHASE FT MYERS FL 33908 Primary PUD 360 58.4
27904093 3837 WOODCREEK LANE SAN JOSE CA 95117 Primary SFR 360 68.2
27904887 11717 HIGH FOREST DALLAS TX 75230 Primary SFR 360 70.0
27905421 2621 33RD STREET SANTA MONIC CA 90405 Primary SFR 360 70.0
27905819 840W PARR AVENUE LOS GATOS CA 95030 Primary SFR 360 74.3
27906429 557 STRAUSS DRIVE THOUSAND OA CA 91320 Primary SFR 360 95.0
27906528 5013 SAIL CREEK DRIV PLANO TX 75093 Primary PUD 360 72.7
27909191 5015 LAS CRUCES CT SAN JOSE CA 95118 Primary SFR 360 78.9
27909274 1993 RELIEZ VALLEY R LAFAYETTE CA 94549 Primary SFR 360 80.0
27909431 19510N US HWY 41 LUTZ FL 33549 Primary SFR 360 80.0
27910280 12313 HARBOUR CIRCLE FORT WASHIN MD 20744 Primary SFR 360 80.0
27910405 3621 CORNELL AVE HIGHLAND PA TX 75205 Primary SFR 360 41.5
27912138 1187 MIDWAY COURT NOVATO CA 94947 Primary SFR 360 80.0
27912351 20420 NASHVILLE STREE CHATSWORTH CA 91311 Primary PUD 360 67.3
27912989 28802 GOLDEN MEADOW D RANCHO PALO CA 90275 Primary SFR 360 79.4
27913029 14285 EASTRIDGE DRIVE WHITTIER CA 90602 Primary SFR 360 75.4
27913086 1910 CAPE HILDA PLAC SAN JOSE CA 95133 Primary SFR 360 78.4
27913342 2900 19TH AVENUE SAN FRANCIS CA 94132 Primary SFR 360 90.0
27913730 1348 CARPERS FARM WA VIENNA VA 22182 Primary PUD 360 79.3
27915453 109 TRAVALINI COURT EL SOBRANTE CA 94803 Primary SFR 360 80.0
27916675 11 PLANTERS WOOD C LITTLETON NC 27850 Secondary PUD 360 75.0
27917442 1014 READS LAKE RO CHATTANOOGA TN 37415 Primary SFR 360 80.0
27918317 217 RYDER STREET SAN MATEO CA 94401 Primary SFR 360 80.0
27918606 2708 SOUTHWICK DRIVE GREENSBORO NC 27455 Primary PUD 360 80.0
27918689 427 GREEN GLEN WY MILL VALLEY CA 94941 Primary SFR 360 60.9
27919943 210 WINCHESTER CT FOSTER CITY CA 94404 Primary SFR 360 62.2
27920669 27 LIMEHOUSE STR CHARLESTON SC 29401 Primary SFR 360 80.0
27920917 5716 GROSVENOR LANE BETHESDA MD 20814 Primary SFR 360 69.9
27921261 1580 OAK ISLAND DR CHARLESTON SC 29412 Primary SFR 360 95.0
27921345 11350 BUCKHEAD TERRAC MIDLOTHIAN VA 23113 Primary PUD 360 56.6
27923861 318 S LAUREL AVE CHARLOTTE NC 28207 Primary Condo 360 80.0
27926294 349 LOS PINOS WAY SAN JOSE CA 95123 Primary SFR 360 80.0
27926740 15205 NORMANDY LANE LA MIRADA CA 90638 Primary PUD 360 79.9
27926955 5212 REDWILLOW LANE LA CANADA F CA 91011 Primary SFR 360 74.0
27927391 619 BRAEBURN DR MARTINEZ GA 30907 Primary SFR 360 80.0
27927730 1686 DUVALL DRIVE SAN JOSE CA 95130 Primary SFR 360 77.4
27928233 6438 FORESTER DR HUNTINGTON CA 92648 Primary PUD 360 80.0
27928506 76 THE ALAMEDA SAN ANSELMO CA 94960 Primary SFR 360 85.0
27930577 12982 CAMINITO POINTE DEL MAR CA 92014 Primary SFR 360 80.0
27933290 841 MORGAN ST MONETT MO 65708 Primary SFR 360 77.5
27934983 7100 ANCHORAGE LANE TEGA CAY SC 29715 Primary SFR 360 73.3
27935832 10 SHAWNERY COURT BALDWIN MD 21013 Primary SFR 360 74.2
27936178 241 DAYLIGHT PL DANVILLE CA 94526 Primary SFR 360 76.1
27936509 43535 VISTA DEL MAR FREMONT CA 94539 Primary SFR 360 79.4
27936517 3241 MONETTE LANE PLANO TX 75025 Primary SFR 360 77.3
27937515 2705 TURNER GROVE GREENSBORO NC 27455 Primary SFR 360 80.0
27939511 122-A PINEWOOD ROAD VIRGINIA BE VA 23451 Primary SFR 360 49.5
27940360 5702 ROBERTS ROAD GRAPEVINE TX 76051 Primary SFR 360 71.3
27941152 326 SUNNY LANE AVALON CA 90704 Primary SFR 360 71.4
27941376 3208 MEADOW RUE DR STATESVILLE NC 28677 Primary SFR 360 79.8
27942572 1614 COUNTRY CLUB DR GLENDALE CA 91208 Primary SFR 360 68.0
27944487 1145 WOTAN DRIVE ENCINITAS CA 92024 Primary SFR 360 72.8
27944917 130 RENFREW COURT EL SOBRANTE CA 94803 Primary SFR 360 75.2
27947100 275 WOODRIDGE DRIVE GENEVA FL 32732 Primary PUD 360 93.8
27948793 5330 BEAUMONT CANY SAN JOSE CA 95138 Primary SFR 360 80.0
27949544 5480 CEDAR CREEK DRI HOUSTON TX 77056 Primary PUD 360 73.0
27949577 3276 SEMINOLE CIRCLE FAIRFIELD CA 94533 Primary SFR 360 69.6
27950641 755 CALMAR AVENUE OAKLAND CA 94610 Primary SFR 300 75.0
27951276 6307 RIGGS PLACE LOS ANGELES CA 90045 Primary SFR 360 80.0
27951920 2671NE22 COURT POMPANO BEA FL 33062 Primary SFR 360 80.0
27953181 510 LYONS BAY ROA NOKOMIS FL 34275 Primary SFR 360 80.0
27953637 686-88W 22ND ST SAN PEDRO CA 90731 Investor 3-Family 360 75.0
27953959 431 ROOS STREET DAVIS CA 95616 Primary PUD 360 80.0
27954262 78 REDWOOD ROAD SAN ANSELMO CA 94960 Primary SFR 360 80.0
27956580 1134 LADERA LANE GARDNERVILL NV 89410 Primary SFR 360 90.0
27956614 310 8TH STREET SEAL BEACH CA 90740 Primary SFR 360 74.7
27956846 8117 RIDGE CREEK WAY SPRINGFIELD VA 22153 Primary PUD 360 80.0
27960582 16825 PARK HILL DR DALLAS TX 75248 Primary SFR 360 80.0
27961408 10324 NORTHVALE ROAD LOS ANGELES CA 90064 Primary SFR 360 80.0
27961556 5 SAGEBRUSH LANE ROLLING HIL CA 90274 Primary SFR 360 25.8
27962356 4349 CEDARHURST CIR LOS ANGELES CA 90027 Primary SFR 360 89.9
27962471 4620 PAULA WAY FAIR OAKS CA 95628 Primary SFR 360 77.1
27962638 13555 PORTOFINO DRIVE DEL MAR CA 92014 Primary SFR 360 75.0
27962737 5604 DITTMAR PLACE DALLAS TX 75229 Primary SFR 360 49.1
27963990 25000 HILLSHORE DRIVE WESTPORT CA 95488 Primary SFR 360 62.5
27964931 112 ROYAL LONDON CO THOUSAND OA CA 91361 Primary PUD 360 80.0
27966456 1052 SUMMERWOOD COUR SAN JOSE CA 95132 Primary SFR 360 80.0
27967108 4812 BYINGTON DRIVE SAN JOSE CA 95138 Primary SFR 360 75.9
27968106 7801 WAYLAND ROAD LOOMIS CA 95650 Primary SFR 360 83.0
27968189 12866 FALCON POINT PL TRUCKEE CA 96161 Primary PUD 360 80.0
27968411 3484 BARBARA STREET SAN PEDRO CA 90731 Primary SFR 360 74.5
27968429 11375 LEGACY TERRACE SAN DIEGO CA 92131 Primary SFR 360 79.7
27968601 6561S 2300 EAST SALT LAKE C UT 84121 Primary SFR 360 79.9
27969245 2 GOLDEN POPPY DR COTO DE CAZ CA 92679 Primary PUD 360 80.0
27969963 5153NW57 WAY CORAL SPRIN FL 33067 Primary SFR 360 89.7
27970342 82 CAMINO DEL MAR INVERNESS CA 94937 Secondary SFR 360 78.4
27972017 4411 POMPONI STREET UNION CITY CA 94587 Primary PUD 360 63.0
27973882 315 MARTIN DRIVE APTOS CA 95003 Secondary SFR 360 58.8
27974153 4839 CLOVERLY AVE TEMPLE CITY CA 91780 Primary SFR 360 74.9
27974476 717 2ND STREET HERMOSA BEA CA 90254 Primary SFR 360 80.0
27974906 63 POPLAR AVENUE ROSS CA 94957 Investor SFR 360 66.7
27975556 39 RIVER CLUB DRIV HILTON HEAD SC 29926 Secondary PUD 360 45.5
27975564 5030 BLACKHAWK DRIVE DANVILLE CA 94506 Primary SFR 360 80.0
27975630 4004 VIA VALMONTE PALOS VERDE CA 90274 Primary SFR 360 62.2
27975697 13380 CALDERON ROAD SAN DIEGO CA 92129 Primary SFR 360 79.9
27976133 1040 LOMA AVENUE CORONADO CA 92118 Primary SFR 360 28.6
27979194 507 CAMBRIDGE VILLA PAWLEYS ISL SC 29585 Secondary Condo 360 54.4
27980598 9S SANTA TERESITA IRVINE CA 92606 Primary SFR 360 74.9
27980655 1530 DESCANSO DR LA CANADA F CA 91011 Primary SFR 360 80.0
27980754 303 STOCKTON LANE RICHMOND VA 23221 Primary PUD 360 61.5
27980770 10305 WALAVISTA ROAD LOS ANGELES CA 90064 Primary SFR 360 80.0
27981026 20 SYCAMORE AVE MILL VALLEY CA 94941 Primary SFR 360 59.1
27981422 19 JUNO ROAD TIBURON CA 94920 Primary SFR 360 80.0
27982230 41005 VALLE VISTA MURRIETA CA 92562 Primary SFR 360 80.0
27982503 11515 CORTE PLAYA LAS SAN DIEGO CA 92124 Primary PUD 360 80.0
27984087 12543 PALMTAG DRIVE SARATOGA CA 95070 Primary SFR 360 47.4
27984335 6803 POLO FARMS DR SUMMERFIELD NC 27358 Primary PUD 360 80.0
27984376 2891E BELTON CIRCLE SANDY UT 84093 Primary SFR 360 76.6
27984566 3165 FABIAN WAY TAHOE CITY CA 96145 Primary SFR 360 80.0
27984624 1562 SILVER TRAIL NAPA CA 94558 Primary PUD 360 57.1
27986561 8001 EL PASEO GRANDE LA JOLLA CA 92037 Primary SFR 360 51.6
27986637 303 SANTA CRUZ STRE SANTA CRUZ CA 95060 Secondary SFR 360 80.0
27988328 26402 BIRCH PLACE CARMEL CA 93923 Primary SFR 360 75.0
27989466 50 KATAOKA COURT REDWOOD CIT CA 94062 Primary SFR 360 56.0
27989649 2 MCCART COURT TIBURON CA 94920 Primary SFR 360 68.6
27989813 3342 RIDGEVIEW DRIVE EL DORADO H CA 95762 Primary SFR 360 78.6
27989961 5317 ROXANNE DRIVE SAN JOSE CA 95124 Primary SFR 360 79.0
27992486 233 AUGUSTINE DR MARTINEZ CA 94553 Primary SFR 360 90.0
27992981 2258 43RD AVENUE SAN FRANCIS CA 94116 Primary SFR 360 80.0
27993492 906 SUFFOLK COURT SOUTHLAKE TX 76092 Primary PUD 360 58.6
27994433 773 SAINT GEORGE RO DANVILLE CA 94526 Primary SFR 360 79.2
27995034 20915 ADELINE DRIVE COLFAX CA 95713 Primary SFR 360 90.0
27996024 21726 NOONAN COURT CUPERTINO CA 95014 Primary SFR 360 75.0
27996156 2702 COLERIDGE DRIVE LOS ALAMITO CA 90720 Primary SFR 360 67.6
27996222 928S CLOVERDALE AV LOS ANGELES CA 90036 Primary SFR 360 73.3
27996552 13846 SOUTH 31ST PL PHOENIX AZ 85048 Primary PUD 360 73.8
27996594 4420 ARCOLA AVENUE LOS ANGELES CA 91602 Primary SFR 360 67.9
27998848 409 TREE HOLLOW C SIMI VALLEY CA 93065 Primary PUD 360 69.9
27998889 1478 DARTSHIRE COURT SUNNYVALE CA 94087 Primary SFR 360 47.7
27999739 38160 HASTINGS COURT FREMONT CA 94536 Primary SFR 360 72.1
27999788 11 ALTEZZA IRVINE CA 92606 Primary PUD 360 90.0
28000263 5015 HUMPHREY WAY LA CRESCENT CA 91214 Primary SFR 360 68.5
28000271 8461E HERMOSA DRIVE SAN GABRIEL CA 91775 Primary SFR 360 70.0
28001576 695 TOYON PLACE PALO ALTO CA 94306 Primary SFR 360 69.2
28001733 2591 PINOT WAY SAINT HELEN CA 94574 Primary SFR 360 72.7
28001808 506 KENTUCKY AVEN ALEXANDRIA VA 22305 Primary SFR 360 58.9
28002145 6246 MINES ROAD LIVERMORE CA 94550 Primary SFR 360 80.0
28002244 1602 MARALISA COURT LIVERMORE CA 94550 Primary SFR 360 76.1
28002459 102 BALDY VIEW LANE SUN VALLEY ID 83353 Secondary SFR 360 41.5
28002558 10512 LONNA LANE CUPERTINO CA 95014 Primary SFR 360 58.8
28002582 15 WESTSIDE COURT SAN RAMON CA 94583 Primary PUD 360 70.0
28002608 97 CRESCENT DRIVE PALO ALTO CA 94301 Primary SFR 360 36.8
28002624 143 SHERBURNE COU DANVILLE CA 94526 Primary SFR 360 71.2
28002632 191 ARENDS DRIVE DANVILLE CA 94506 Primary SFR 360 64.6
28002640 160 MOFFITT STREET SAN FRANCIS CA 94131 Primary SFR 360 79.7
28002665 108 CRATER PEAK P FOLSOM CA 95630 Primary SFR 360 89.0
28002707 470 KNOTTINGHAM C LIVERMORE CA 94550 Primary SFR 360 70.9
28002749 34 PONY COURT SAN RAMON CA 94583 Primary PUD 360 74.6
28002798 316 CLIFF DRIVE APTOS CA 95003 Secondary SFR 360 68.2
28002897 3172 SOUTH COURT PALO ALTO CA 94306 Primary SFR 360 51.2
28002905 1066 VIA BAJA LAFAYETTE CA 94549 Primary SFR 360 51.4
28004075 134 SANDY COVE HOUSTON TX 77058 Primary SFR 360 75.0
28004281 65 DIABLO WAY DANVILLE CA 94526 Primary SFR 360 80.0
28005239 886 PEPPER TREE C SANTA CLARA CA 95051 Primary SFR 360 80.0
28005668 171 TURNBERRY ROAD HALF MOON B CA 94019 Primary PUD 360 62.5
28005841 12503 GREEN MEADOW LA SARATOGA CA 95070 Primary SFR 360 75.0
28006138 67 CAMELFORD PL OAKLAND CA 94611 Primary SFR 360 58.6
28006435 2765 KENSINGTON ROAD REDWOOD CIT CA 94061 Primary SFR 360 71.8
28006567 11 HACIENDA CIRCLE ORINDA CA 94563 Primary SFR 360 66.7
28007458 3003 ARROWHEAD DRI LOS ANGELES CA 90068 Primary SFR 360 69.0
28007789 2817 NE21 COURT FT LAUDERDA FL 33305 Primary SFR 360 75.0
28007888 913 8TH STREET MANHATTAN B CA 90266 Primary SFR 360 70.3
28008068 1748 ORCHARD WOOD ENCINITAS CA 92024 Primary SFR 360 72.3
28008100 12825 CORBETT COURT SAN DIEGO CA 92130 Primary PUD 360 80.0
28008118 350 LEVIN AVENUE MOUNTAIN VI CA 94040 Primary SFR 360 70.0
28008811 265 CHASE COURT FREMONT CA 94536 Primary SFR 360 89.5
28009090 1185W MCKINLEY AVENUE SUNNYVALE CA 94086 Primary SFR 360 80.0
28009223 2312 TICE VALLEY BOU WALNUT CREE CA 94595 Primary SFR 360 60.8
28009231 17 RED PINE COURT DANVILLE CA 94506 Primary PUD 360 52.3
28009272 557 COLUMBIA CREEK SAN RAMON CA 94583 Primary SFR 360 58.0
28009298 4360 MENSHA PLACE SAN DIEGO CA 92130 Primary SFR 360 69.0
28009439 5010 SUMMIT VIEW DRI SAN RAMON CA 94583 Primary PUD 360 66.6
28009603 151 DANIEL DRIVE ALAMO CA 94507 Primary SFR 360 56.6
28009850 4776 PROCTOR ROAD CASTRO VALL CA 94546 Primary SFR 360 77.6
28012029 173 RANCHO DEL REY ESCONDIDO CA 92025 Primary SFR 360 69.9
28012078 2670 DIVOT COURT SOUTH LAKE CA 96150 Secondary SFR 360 90.0
28012557 18 VOLTERRA COUR DANVILLE CA 94526 Primary PUD 360 64.0
28014116 5971 OHIO STREET YORBA LINDA CA 92886 Primary SFR 360 59.5
28014199 4219 STURGEON COURT SAN DIEGO CA 92130 Primary PUD 360 88.4
28014645 11891 BROOKGLEN DR SARATOGA CA 95070 Primary SFR 360 50.5
28015469 110 LOMA VISTA DR SONOMA CA 95476 Primary SFR 360 64.6
28018786 1828 WINDY RIDGE POI VIRGINIA BE VA 23454 Primary SFR 360 80.0
28020352 2601 FLEETWOOD DR SAN BRUNO CA 94066 Primary SFR 360 80.0
28022648 821 LILAC WAY LOS GATOS CA 95032 Primary SFR 360 69.9
28022937 1305 MCBAIN AVENUE CAMPELL CA 95008 Primary SFR 360 63.4
28023380 150 VENETIAN ROAD APTOS CA 95003 Primary SFR 360 80.0
28025369 9051 WOODHURST DR DALLAS TX 75243 Primary SFR 360 80.0
28027324 3179 STONEGATE DRIVE ALAMO CA 94507 Primary PUD 360 44.8
28027571 13287 SOUTH NASHI LAN DRAPER UT 84020 Primary SFR 360 75.0
28029569 224 SHOREVIEW DRIVE APTOS CA 95003 Primary SFR 360 67.7
28029650 890 COLORADO AVENUE PALO ALTO CA 94303 Primary SFR 360 79.9
28032209 5906 EXETER COURT SAN JOSE CA 95138 Primary PUD 360 44.7
28034726 301 THATCHER LANE FOSTER CITY CA 94404 Primary PUD 360 51.5
28035723 275- 7TH AVE SAN FRANCIS CA 94118 Primary 3-Family 360 50.4
28036200 68 SAN PABLO CT MORAGA CA 94556 Primary SFR 360 58.7
28048007 1444 GRACE AVENUE SAN JOSE CA 95125 Primary SFR 360 67.3
28056786 320 DEERTRAIL LANE MILL VALLEY CA 94941 Investor SFR 360 73.7
28060853 3123 DEER MEADOW DANVILLE CA 94506 Primary PUD 360 80.0
28064707 767- 769 15TH AVENUE SAN FRANCIS CA 94118 Primary 2-Family 360 62.5
</TABLE>
<TABLE>
(continued)
<CAPTION>
LOAN# RATE FIRSTPAYDT MAT DT PANDI SCHPTD ORIG BAL ACT BALANCE SCH BALANCE
<S> <C> <C> <C> <C> <C> <C> <C> <C>
21596135 7.25 5/1/1998 10/1/2027 $2,604.65 5/1/1999 $380,000 $376,165.66 $375,833.68
22083943 6.5 4/1/1999 3/1/2029 $1,896.20 5/1/1999 $300,000 $299,456.13 $299,456.13
22151906 6.875 5/1/1999 4/1/2029 $1,970.79 5/1/1999 $300,000 $299,747.96 $299,747.96
22231849 6.875 5/1/1999 4/1/2029 $2,165.90 5/1/1999 $329,700 $324,166.01 $324,472.95
22254445 7 5/1/1999 4/1/2029 $1,676.56 5/1/1999 $252,000 $251,793.44 $251,793.44
22271035 7.375 11/1/1998 10/1/2028 $1,989.14 5/1/1999 $288,000 $286,141.19 $286,141.19
22309058 7.5 5/1/1999 4/1/2029 $1,931.23 5/1/1999 $276,200 $275,995.02 $275,995.02
22327126 7.125 4/1/1999 3/1/2029 $1,920.10 5/1/1999 $285,000 $284,342.23 $284,342.23
22334312 6.875 1/1/1999 12/1/2028 $2,217.79 5/1/1999 $337,600 $336,455.72 $336,165.54
22355911 7 4/1/1999 3/1/2029 $2,017.86 5/1/1999 $303,300 $302,801.33 $302,801.33
22382519 6.75 12/1/1998 11/1/2028 $2,140.37 5/1/1999 $330,000 $328,563.32 $328,271.12
22392096 7.125 1/1/1999 12/1/2028 $1,956.82 5/1/1999 $290,450 $289,512.60 $289,274.76
22399232 6.75 1/1/1999 12/1/2028 $1,945.79 5/1/1999 $300,000 $298,958.10 $298,693.95
22412654 6.875 1/1/1999 12/1/2028 $2,049.62 5/1/1999 $312,000 $310,942.48 $310,674.30
22414627 7.375 3/1/1999 2/1/2029 $1,695.61 5/1/1999 $245,500 $245,125.23 $244,936.12
22479703 7.125 5/1/1999 4/1/2029 $1,886.42 5/1/1999 $280,000 $280,000.00 $279,776.08
22483325 6.875 1/1/1999 12/1/2028 $1,760.57 5/1/1999 $268,000 $266,629.58 $266,861.26
22502041 6.75 12/1/1998 11/1/2028 $2,494.51 5/1/1999 $384,600 $382,585.05 $382,585.05
22508105 7.25 10/1/1998 9/1/2028 $2,148.86 5/1/1999 $315,000 $313,248.36 $312,992.04
22518443 7.125 3/1/1999 2/1/2029 $3,860.41 5/1/1999 $573,000 $572,080.84 $571,617.16
22525166 7.5 2/1/1999 1/1/2029 $2,059.19 5/1/1999 $294,500 $293,617.51 $293,617.51
22534283 7.25 3/1/1999 2/1/2029 $3,028.87 5/1/1999 $444,000 $443,305.17 $442,954.60
22545628 7.5 3/1/1999 2/1/2029 $1,817.96 5/1/1999 $260,000 $259,417.49 $259,417.49
22545883 7.125 2/1/1999 1/1/2029 $1,684.30 5/1/1999 $250,000 $249,396.66 $249,193.15
22552293 7.125 2/1/1999 1/1/2029 $1,717.98 5/1/1999 $255,000 $254,177.03 $254,177.03
22552509 7.25 1/1/1999 12/1/2028 $1,667.92 5/1/1999 $244,500 $243,730.14 $243,534.76
22554513 7.5 4/1/1999 3/1/2029 $2,010.24 5/1/1999 $287,500 $287,286.64 $287,071.94
22559959 7.25 1/1/1999 12/1/2028 $1,818.68 5/1/1999 $266,600 $265,545.62 $265,545.62
22561641 7.125 5/1/1999 4/1/2029 $2,021.16 5/1/1999 $300,000 $300,000.00 $299,760.09
22563811 7.375 4/1/1999 3/1/2029 $1,973.61 5/1/1999 $285,750 $285,532.56 $285,313.79
22568091 6.875 1/1/1999 12/1/2028 $1,905.09 5/1/1999 $290,000 $288,613.62 $288,362.05
22577555 7.125 4/1/1999 3/1/2029 $2,896.99 5/1/1999 $430,000 $429,656.14 $429,310.23
22577910 7.125 2/1/1999 1/1/2029 $4,058.48 5/1/1999 $602,400 $600,946.20 $600,455.84
22578280 6.875 3/1/1999 2/1/2029 $1,897.87 5/1/1999 $288,900 $288,312.61 $288,066.53
22585228 7.375 4/1/1999 3/1/2029 $2,237.79 5/1/1999 $324,000 $323,753.46 $323,505.40
22590855 6.75 12/1/1998 11/1/2028 $1,676.95 5/1/1999 $258,550 $257,025.13 $256,793.95
22595623 7.25 1/1/1999 12/1/2028 $1,600.73 5/1/1999 $234,650 $233,623.61 $233,623.61
22595961 6.875 4/1/1999 3/1/2029 $2,115.31 5/1/1999 $322,000 $321,729.48 $321,457.41
22596100 7.625 1/1/1999 12/1/2028 $2,123.39 5/1/1999 $300,000 $298,900.41 $298,900.41
22596654 7.125 2/1/1999 1/1/2029 $2,155.90 5/1/1999 $320,000 $319,227.73 $318,967.24
22597249 7 2/1/1999 1/1/2029 $1,696.85 5/1/1999 $255,050 $254,419.16 $254,206.42
22597280 7.125 2/1/1999 1/1/2029 $2,085.16 5/1/1999 $309,500 $308,753.08 $308,501.14
22598585 7.375 5/1/1999 4/1/2029 $2,223.97 5/1/1999 $322,000 $322,000.00 $321,754.99
22600019 7.25 5/1/1999 4/1/2029 $1,705.44 5/1/1999 $250,000 $249,804.98 $249,804.98
22600092 7.25 3/1/1999 2/1/2029 $2,435.37 5/1/1999 $357,000 $356,440.07 $356,158.19
22603898 7.25 3/1/1999 2/1/2029 $2,101.11 5/1/1999 $308,000 $307,517.99 $307,274.80
22605414 7 12/1/1998 11/1/2028 $1,882.81 5/1/1999 $283,000 $281,826.50 $281,587.68
22606826 7.125 2/1/1999 1/1/2029 $2,294.02 5/1/1999 $340,500 $339,678.24 $339,401.06
22607360 7.375 4/1/1999 3/1/2029 $2,070.99 5/1/1999 $299,850 $299,621.84 $299,392.28
22608517 7 3/1/1999 2/1/2029 $2,817.56 5/1/1999 $423,500 $422,803.69 $422,452.48
22614077 7.375 4/1/1999 3/1/2029 $3,729.65 5/1/1999 $540,000 $539,589.10 $539,175.67
22615645 7.25 3/1/1999 2/1/2029 $2,578.63 5/1/1999 $378,000 $377,110.01 $377,110.01
22617518 7.375 4/1/1999 3/1/2029 $2,451.90 5/1/1999 $355,000 $354,729.87 $354,458.08
22620413 7.125 11/1/1998 11/1/2027 $1,699.70 5/1/1999 $250,000 $248,458.88 $248,458.88
22620926 6.875 4/1/1999 3/1/2029 $2,205.32 5/1/1999 $335,700 $331,094.42 $331,094.42
22620967 7.125 3/1/1999 2/1/2029 $1,953.78 5/1/1999 $290,000 $289,534.82 $289,300.15
22624084 7.125 4/1/1999 3/1/2029 $1,921.45 5/1/1999 $285,200 $284,790.38 $284,559.87
22624472 7.375 3/1/1999 2/1/2029 $2,424.27 5/1/1999 $351,000 $350,464.20 $350,193.82
22624506 7.625 4/1/1999 3/1/2029 $1,973.33 5/1/1999 $278,800 $278,598.21 $278,395.14
22625834 7.375 4/1/1999 3/1/2029 $2,058.21 5/1/1999 $298,000 $297,773.25 $297,545.10
22627368 7 3/1/1999 2/1/2029 $2,049.14 5/1/1999 $308,000 $307,493.58 $307,238.15
22629752 7.125 4/1/1999 3/1/2029 $2,519.71 5/1/1999 $374,000 $373,400.06 $373,400.06
22629976 7.25 5/1/1999 4/1/2029 $1,782.53 5/1/1999 $261,300 $261,300.00 $261,096.16
22629992 7 5/1/1999 4/1/2029 $2,270.34 5/1/1999 $341,250 $341,250.00 $340,970.29
22634836 7.375 4/1/1999 3/1/2029 $2,210.16 5/1/1999 $320,000 $319,756.51 $319,511.52
22635288 7.25 3/1/1999 2/1/2029 $2,180.24 5/1/1999 $319,600 $319,099.85 $318,847.50
22639140 7 4/1/1999 3/1/2029 $1,729.79 5/1/1999 $260,000 $259,786.88 $259,572.51
22639561 7 3/1/1999 2/1/2029 $2,581.38 5/1/1999 $388,000 $387,362.05 $387,040.28
22640031 7.25 3/1/1999 2/1/2029 $2,947.00 5/1/1999 $432,000 $430,982.88 $430,982.88
22643050 7.125 3/1/1999 2/1/2019 $2,207.55 5/1/1999 $282,000 $280,930.49 $280,390.96
22644314 7.125 2/1/1999 1/1/2029 $1,703.77 5/1/1999 $252,890 $252,073.82 $252,073.82
22644694 7.375 5/1/1999 4/1/2029 $2,393.19 5/1/1999 $346,500 $346,500.00 $346,236.34
22655062 7.125 2/1/1999 1/1/2029 $1,967.26 5/1/1999 $292,000 $291,067.79 $291,067.79
22657969 7.25 2/1/1999 1/1/2029 $2,372.71 5/1/1999 $347,814 $346,995.08 $346,718.80
22665251 7.375 4/1/1999 3/1/2029 $1,987.42 5/1/1999 $287,750 $287,225.22 $287,225.22
22666028 7.125 5/1/1999 4/1/2029 $3,705.46 5/1/1999 $550,000 $549,560.17 $549,560.17
22666853 6.5 5/1/1999 4/1/2029 $1,674.98 5/1/1999 $265,000 $265,000.00 $264,760.44
22670103 7.375 4/1/1999 3/1/2019 $2,204.78 5/1/1999 $276,300 $275,283.51 $275,283.51
22672380 7.5 2/1/1999 1/1/2029 $1,895.93 5/1/1999 $271,150 $270,337.45 $270,337.45
22673560 7 3/1/1999 2/1/2029 $2,038.49 5/1/1999 $306,400 $305,794.30 $305,539.61
22674550 7.375 4/1/1999 3/1/2029 $2,098.27 5/1/1999 $303,800 $301,068.83 $300,820.88
22675060 7.375 4/1/1999 3/1/2029 $2,313.76 5/1/1999 $335,000 $334,488.62 $334,488.62
22676142 7.125 5/1/1999 4/1/2029 $2,762.25 5/1/1999 $410,000 $410,000.00 $409,672.13
22676795 6.875 3/1/1999 2/1/2029 $3,385.48 5/1/1999 $515,350 $514,481.62 $514,043.69
22677421 6.875 4/1/1999 3/1/2029 $1,970.79 5/1/1999 $300,000 $299,747.96 $299,494.48
22678023 7.25 5/1/1999 4/1/2029 $3,069.79 5/1/1999 $450,000 $450,000.00 $449,648.96
22678890 7 3/1/1999 2/1/2029 $1,851.87 5/1/1999 $278,350 $277,892.35 $277,661.52
22679484 6.75 4/1/1999 3/1/2029 $1,751.22 5/1/1999 $270,000 $269,018.75 $268,780.76
22682108 7.25 3/1/1999 2/1/2029 $1,773.66 5/1/1999 $260,000 $259,593.12 $259,387.84
22682355 7.25 5/1/1999 4/1/2029 $2,474.26 5/1/1999 $362,700 $362,700.00 $362,417.05
22682819 7 4/1/1999 3/1/2029 $2,761.01 5/1/1999 $415,000 $414,659.82 $414,317.66
22687362 7.375 4/1/1999 3/1/2029 $3,282.78 5/1/1999 $475,300 $474,574.44 $474,208.32
22687487 7 3/1/1999 2/1/2029 $1,962.64 5/1/1999 $295,000 $294,514.97 $294,270.33
22687735 7.375 3/1/1999 2/1/2029 $1,973.26 5/1/1999 $285,700 $285,263.87 $285,043.79
22687768 7.125 3/1/1999 2/1/2029 $1,920.10 5/1/1999 $285,000 $284,312.19 $284,312.19
22688261 7 4/1/1999 3/1/2029 $2,794.27 5/1/1999 $420,000 $419,655.73 $419,309.45
22689228 7 3/1/1999 2/1/2029 $2,245.40 5/1/1999 $337,500 $336,665.20 $336,665.20
22689335 7.375 4/1/1999 3/1/2029 $2,092.75 5/1/1999 $303,000 $302,769.44 $302,537.46
22689384 7 4/1/1999 3/1/2029 $3,443.61 5/1/1999 $517,600 $517,175.72 $516,748.97
22690341 7.125 4/1/1999 3/1/2029 $2,543.97 5/1/1999 $377,600 $377,298.03 $376,994.27
22690580 7.375 4/1/1999 3/1/2029 $4,489.39 5/1/1999 $650,000 $649,505.40 $649,007.76
22696280 7.375 4/1/1999 3/1/2029 $1,709.42 5/1/1999 $247,500 $247,311.67 $247,122.19
22704092 6.75 4/1/1999 3/1/2029 $3,158.68 5/1/1999 $487,000 $486,580.70 $486,159.04
22704118 7.25 4/1/1999 3/1/2029 $2,180.58 5/1/1999 $319,650 $319,400.64 $319,149.77
22704274 7.25 4/1/1999 3/1/2029 $2,461.29 5/1/1999 $360,800 $360,518.54 $360,235.38
22706824 7 4/1/1999 3/1/2029 $2,102.36 5/1/1999 $316,000 $315,740.97 $315,480.43
22707285 7 5/1/1999 4/1/2029 $1,989.92 5/1/1999 $299,100 $299,100.00 $298,854.83
22708473 6.875 4/1/1999 3/1/2029 $1,826.26 5/1/1999 $278,000 $277,766.45 $277,531.56
22709430 7 5/1/1999 4/1/2029 $2,115.66 5/1/1999 $318,000 $318,000.00 $317,739.34
22709455 7 4/1/1999 3/1/2029 $2,876.77 5/1/1999 $432,400 $432,045.56 $431,689.06
22711949 7.125 5/1/1999 4/1/2029 $2,358.01 5/1/1999 $350,000 $350,000.00 $349,720.12
22712186 6.875 4/1/1999 3/1/2029 $1,918.23 5/1/1999 $292,000 $291,106.83 $291,106.83
22712392 6.75 4/1/1999 3/1/2029 $1,893.91 5/1/1999 $292,000 $291,748.59 $291,495.77
22712558 7.25 4/1/1999 3/1/2029 $1,800.95 5/1/1999 $264,000 $263,794.05 $263,586.86
22713135 7 3/1/1999 2/1/2029 $2,395.09 5/1/1999 $360,000 $359,408.10 $359,109.56
22713689 7 4/1/1999 3/1/2029 $1,990.92 5/1/1999 $299,250 $299,004.70 $298,757.97
22716146 7 4/1/1999 3/1/2029 $1,872.50 5/1/1999 $281,450 $281,219.29 $280,987.24
22718175 6.625 4/1/1999 3/1/2029 $2,356.35 5/1/1999 $368,000 $367,675.32 $367,348.84
22720197 7 5/1/1999 4/1/2029 $2,277.66 5/1/1999 $342,350 $342,069.38 $342,069.38
22721203 7 5/1/1999 4/1/2029 $2,528.15 5/1/1999 $380,000 $380,000.00 $379,688.52
22721278 7.375 4/1/1999 3/1/2029 $2,141.09 5/1/1999 $310,000 $309,764.12 $309,526.79
22724025 6.5 4/1/1999 3/1/2029 $1,896.20 5/1/1999 $300,000 $295,774.09 $295,774.09
22725295 6.75 4/1/1999 3/1/2029 $2,594.39 5/1/1999 $400,000 $398,975.61 $398,625.46
22726103 6.75 4/1/1999 3/1/2029 $1,809.59 5/1/1999 $279,000 $278,518.22 $278,518.22
22727226 7 4/1/1999 3/1/2029 $3,326.51 5/1/1999 $500,000 $499,590.16 $499,177.93
22729024 7.375 4/1/1999 3/1/2029 $2,217.42 5/1/1999 $321,050 $320,805.70 $320,559.90
22729255 6.75 5/1/1999 4/1/2029 $1,880.93 5/1/1999 $290,000 $290,000.00 $289,750.32
22729875 7.375 5/1/1999 4/1/2029 $3,315.24 5/1/1999 $480,000 $479,634.76 $479,634.76
22730915 7.375 11/1/1998 10/1/2028 $2,590.04 5/1/1999 $375,000 $373,261.36 $372,965.32
22731962 7.25 4/1/1999 3/1/2029 $1,964.67 5/1/1999 $288,000 $287,775.33 $287,549.30
22732911 7.5 4/1/1999 3/1/2029 $1,831.95 5/1/1999 $262,000 $260,246.96 $260,246.96
22735088 7 4/1/1999 3/1/2029 $2,112.74 5/1/1999 $317,560 $317,037.86 $317,037.86
22735385 7.25 5/1/1999 4/1/2029 $1,978.31 5/1/1999 $290,000 $290,000.00 $289,773.77
22737613 7.25 4/1/1999 3/1/2029 $2,237.54 5/1/1999 $328,000 $327,714.71 $327,457.11
22737977 7.125 5/1/1999 4/1/2029 $3,120.66 5/1/1999 $463,200 $462,829.59 $462,829.59
22738272 6.5 5/1/1999 4/1/2029 $2,022.62 5/1/1999 $320,000 $320,000.00 $319,710.71
22738645 7.25 4/1/1999 3/1/2029 $3,069.79 5/1/1999 $450,000 $449,302.45 $448,947.20
22738769 7.375 4/1/1999 3/1/2029 $2,226.74 5/1/1999 $322,400 $322,154.68 $321,907.85
22739510 7.125 5/1/1999 4/1/2029 $1,684.30 5/1/1999 $250,000 $250,000.00 $249,800.08
22739676 7.125 3/1/1999 2/1/2029 $1,931.21 5/1/1999 $286,650 $286,190.18 $285,958.22
22740294 7 4/1/1999 3/1/2029 $3,752.31 5/1/1999 $564,000 $563,537.69 $563,072.68
22740476 7 4/1/1999 3/1/2029 $1,800.97 5/1/1999 $270,700 $270,030.45 $270,254.93
22740617 6.375 5/1/1999 4/1/2029 $2,183.54 5/1/1999 $350,000 $350,000.00 $349,675.84
22742159 7 4/1/1999 3/1/2029 $3,153.53 5/1/1999 $474,000 $473,220.66 $473,220.66
22742860 7.5 3/1/1999 2/1/2029 $2,139.60 5/1/1999 $306,000 $305,544.38 $305,314.43
22744452 6.375 4/1/1999 3/1/2029 $1,671.97 5/1/1999 $268,000 $267,502.24 $267,502.24
22747026 6.75 5/1/1999 4/1/2029 $2,187.07 5/1/1999 $337,200 $337,200.00 $336,909.68
22748479 7.125 5/1/1999 4/1/2029 $3,099.45 5/1/1999 $460,050 $459,682.10 $459,682.10
22748511 6.875 5/1/1999 4/1/2029 $2,947.64 5/1/1999 $448,700 $448,323.04 $448,323.04
22748958 7.25 5/1/1999 4/1/2029 $2,080.64 5/1/1999 $305,000 $305,000.00 $304,762.07
22749188 6.75 4/1/1999 3/1/2029 $1,945.80 5/1/1999 $300,000 $299,741.70 $299,481.95
22749899 6.5 5/1/1999 4/1/2029 $1,835.53 5/1/1999 $290,400 $290,400.00 $290,137.47
22750004 6.5 4/1/1999 3/1/2029 $3,568.66 5/1/1999 $564,600 $564,089.59 $563,576.42
22750848 7 4/1/1999 3/1/2029 $1,288.03 5/1/1999 $193,600 $193,217.28 $193,217.28
22751408 7.25 4/1/1999 3/1/2029 $1,695.89 5/1/1999 $248,600 $248,406.07 $248,210.97
22751531 7 5/1/1999 4/1/2029 $2,386.44 5/1/1999 $358,700 $358,700.00 $358,405.98
22751838 7.125 5/1/1999 4/1/2029 $1,785.35 5/1/1999 $265,000 $265,000.00 $264,788.09
22751911 6.875 4/1/1999 3/1/2029 $1,675.17 5/1/1999 $255,000 $254,785.77 $254,570.31
22752604 6.5 5/1/1999 4/1/2029 $1,621.26 5/1/1999 $256,500 $256,268.12 $256,268.12
22752703 7 5/1/1999 4/1/2029 $1,663.26 5/1/1999 $250,000 $250,000.00 $249,795.07
22753214 7 4/1/1999 3/1/2029 $2,128.97 5/1/1999 $320,000 $319,737.70 $319,473.87
22754345 6.875 5/1/1999 4/1/2029 $1,608.16 5/1/1999 $244,800 $244,594.34 $244,594.34
22754550 7 5/1/1999 4/1/2029 $1,942.68 5/1/1999 $292,000 $292,000.00 $291,760.65
22755573 7.25 5/1/1999 4/1/2029 $2,564.98 5/1/1999 $376,000 $376,000.00 $375,706.69
22755839 7 4/1/1999 3/1/2029 $1,693.53 5/1/1999 $254,550 $254,131.48 $254,131.48
22756845 6.625 4/1/1999 3/1/2029 $2,881.40 5/1/1999 $450,000 $449,602.97 $449,203.75
22758288 7 4/1/1999 3/1/2029 $2,481.58 5/1/1999 $373,000 $372,386.72 $372,386.72
22759153 6.5 5/1/1999 4/1/2029 $1,643.38 5/1/1999 $260,000 $260,000.00 $259,764.95
22761803 7.25 5/1/1999 4/1/2029 $2,131.81 5/1/1999 $312,500 $312,500.00 $312,256.21
22762249 7 4/1/1999 3/1/2029 $2,395.09 5/1/1999 $360,000 $359,704.91 $359,408.10
22762934 7.125 4/1/1999 3/1/2029 $2,088.53 5/1/1999 $310,000 $309,752.09 $309,502.71
22763049 7.125 4/1/1999 3/1/2029 $3,220.38 5/1/1999 $478,000 $477,133.23 $477,133.23
22766414 6.875 5/1/1999 4/1/2029 $1,937.94 5/1/1999 $295,000 $295,000.00 $294,752.16
22766828 7.125 5/1/1999 4/1/2029 $2,236.75 5/1/1999 $332,000 $332,000.00 $331,734.50
22767271 7 5/1/1999 4/1/2029 $1,696.52 5/1/1999 $255,000 $255,000.00 $254,790.98
22768097 7 5/1/1999 4/1/2029 $2,162.24 5/1/1999 $325,000 $325,000.00 $324,733.59
22768170 7.25 4/1/1999 3/1/2029 $2,073.82 5/1/1999 $304,000 $303,000.00 $303,000.00
22768535 7 4/1/1999 3/1/2029 $3,160.19 5/1/1999 $475,000 $474,610.64 $474,219.01
22768972 6.875 5/1/1999 4/1/2029 $2,082.46 5/1/1999 $317,000 $317,000.00 $316,733.69
22769525 7 5/1/1999 4/1/2029 $2,262.03 5/1/1999 $340,000 $339,721.30 $339,721.30
22770267 6.875 4/1/1999 3/1/2029 $1,733.64 5/1/1999 $263,900 $263,678.29 $263,455.31
22770960 6.875 4/1/1999 3/1/2029 $1,708.01 5/1/1999 $260,000 $259,781.57 $259,561.89
22771034 6.875 4/1/1999 3/1/2029 $1,773.71 5/1/1999 $270,000 $269,545.04 $269,545.04
22771141 7 5/1/1999 4/1/2029 $2,860.80 5/1/1999 $430,000 $430,000.00 $429,647.53
22771497 6.75 4/1/1999 3/1/2029 $1,880.94 5/1/1999 $290,000 $289,499.22 $289,499.22
22771851 7 4/1/1999 3/1/2029 $2,421.70 5/1/1999 $364,000 $363,401.52 $363,401.52
22772073 7 5/1/1999 4/1/2029 $2,794.27 5/1/1999 $420,000 $420,000.00 $419,655.73
22772115 7.75 4/1/1999 3/1/2029 $1,880.59 5/1/1999 $262,500 $262,314.72 $262,128.25
22772628 6.75 5/1/1999 4/1/2029 $1,738.25 5/1/1999 $268,000 $268,000.00 $267,769.25
22772727 7 5/1/1999 4/1/2029 $2,187.18 5/1/1999 $328,750 $328,750.00 $328,480.53
22774178 6.75 4/1/1999 3/1/2029 $2,587.91 5/1/1999 $399,000 $398,656.47 $398,311.00
22775068 7 4/1/1999 3/1/2029 $2,504.86 5/1/1999 $376,500 $376,191.39 $375,880.98
22775407 6.75 5/1/1999 4/1/2029 $2,349.23 5/1/1999 $362,200 $362,200.00 $361,888.15
22775647 7 4/1/1999 3/1/2029 $1,862.85 5/1/1999 $280,000 $279,481.15 $279,481.15
22776413 7.25 4/1/1999 3/1/2029 $1,997.42 5/1/1999 $292,800 $292,341.78 $292,341.78
22776785 7.125 5/1/1999 4/1/2029 $2,856.57 5/1/1999 $424,000 $424,000.00 $423,660.93
22777213 6.75 5/1/1999 4/1/2029 $1,987.96 5/1/1999 $306,500 $306,500.00 $306,236.10
22777445 7 4/1/1999 3/1/2029 $1,862.85 5/1/1999 $280,000 $279,274.33 $279,274.33
22777783 6.75 5/1/1999 4/1/2029 $1,686.36 5/1/1999 $260,000 $260,000.00 $259,776.14
22777841 7 5/1/1999 4/1/2029 $2,295.29 5/1/1999 $345,000 $344,717.21 $344,717.21
22778013 6.875 4/1/1999 3/1/2029 $2,334.07 5/1/1999 $355,300 $354,501.50 $354,198.43
22778542 6.5 4/1/1999 3/1/2029 $2,110.48 5/1/1999 $333,900 $333,598.15 $333,294.66
22778583 7.375 5/1/1999 4/1/2029 $2,486.43 5/1/1999 $360,000 $360,000.00 $359,726.07
22778674 7 4/1/1999 3/1/2029 $1,833.25 5/1/1999 $275,550 $275,324.13 $275,096.94
22778740 7 5/1/1999 4/1/2029 $2,195.50 5/1/1999 $330,000 $330,000.00 $329,729.50
22778831 7.25 4/1/1999 3/1/2029 $2,026.06 5/1/1999 $297,000 $296,768.32 $296,535.24
22779458 7 4/1/1999 3/1/2029 $2,706.46 5/1/1999 $406,800 $406,466.54 $406,131.13
22779524 7.25 5/1/1999 4/1/2029 $1,895.77 5/1/1999 $277,900 $277,900.00 $277,683.21
22779706 7 5/1/1999 4/1/2029 $3,027.13 5/1/1999 $455,000 $455,000.00 $454,627.04
22780167 7 4/1/1999 3/1/2029 $1,793.66 5/1/1999 $269,600 $269,379.01 $269,156.73
22780175 7 4/1/1999 3/1/2029 $1,820.93 5/1/1999 $273,700 $273,249.99 $273,249.99
22780183 7 4/1/1999 3/1/2029 $3,082.35 5/1/1999 $463,300 $462,538.25 $462,538.25
22780423 7.25 4/1/1999 3/1/2029 $2,182.96 5/1/1999 $320,000 $319,499.24 $319,499.24
22780787 7 5/1/1999 4/1/2029 $2,603.66 5/1/1999 $391,350 $391,029.21 $391,029.21
22781116 7 5/1/1999 4/1/2029 $4,324.47 5/1/1999 $650,000 $650,000.00 $649,467.20
22781298 7 5/1/1999 4/1/2029 $1,977.28 5/1/1999 $297,200 $297,200.00 $296,956.39
22781413 6.5 5/1/1999 4/1/2029 $2,826.61 5/1/1999 $447,200 $447,200.00 $446,795.72
22781553 6.5 4/1/1999 3/1/2029 $3,160.35 5/1/1999 $500,000 $499,547.98 $499,093.51
22781595 7 5/1/1999 4/1/2029 $2,069.09 5/1/1999 $311,000 $311,000.00 $310,745.08
22781686 6.875 5/1/1999 4/1/2029 $2,167.87 5/1/1999 $330,000 $329,722.76 $329,722.76
22782247 7 5/1/1999 4/1/2029 $3,712.39 5/1/1999 $558,000 $558,000.00 $557,542.61
22783039 7 5/1/1999 4/1/2029 $1,995.91 5/1/1999 $300,000 $300,000.00 $299,754.09
22783617 6.75 4/1/1999 3/1/2029 $1,971.74 5/1/1999 $304,000 $303,738.26 $303,475.05
22783625 6.875 5/1/1999 4/1/2029 $2,418.81 5/1/1999 $368,200 $368,200.00 $367,890.67
22783823 7 4/1/1999 3/1/2029 $1,796.32 5/1/1999 $270,000 $269,552.39 $269,552.39
22783898 7.125 5/1/1999 4/1/2029 $2,438.19 5/1/1999 $361,900 $361,900.00 $361,610.59
22783922 6.5 5/1/1999 4/1/2029 $2,357.62 5/1/1999 $373,000 $373,000.00 $372,662.80
22783963 7.25 5/1/1999 4/1/2029 $1,854.16 5/1/1999 $271,800 $271,587.97 $271,587.97
22784193 6.875 5/1/1999 4/1/2029 $3,448.88 5/1/1999 $525,000 $525,000.00 $524,558.93
22784284 7 3/1/1999 2/1/2029 $2,442.99 5/1/1999 $367,200 $366,596.25 $366,291.74
22784391 6.875 5/1/1999 4/1/2029 $1,747.43 5/1/1999 $266,000 $266,000.00 $265,776.53
22784771 6.875 4/1/1999 3/1/2029 $2,389.91 5/1/1999 $363,800 $363,494.36 $363,186.97
22785034 6.75 4/1/1999 3/1/2029 $1,879.64 5/1/1999 $289,800 $289,550.49 $289,299.57
22785158 6.875 4/1/1999 3/1/2029 $2,093.96 5/1/1999 $318,750 $318,482.21 $318,212.89
22785380 6.875 4/1/1999 3/1/2029 $2,128.45 5/1/1999 $324,000 $323,727.80 $323,454.04
22785406 6.75 5/1/1999 4/1/2029 $4,209.41 5/1/1999 $649,000 $649,000.00 $648,441.22
22785620 6.75 4/1/1999 3/1/2029 $1,655.23 5/1/1999 $255,200 $254,755.20 $254,755.20
22785836 7.125 5/1/1999 4/1/2029 $2,135.69 5/1/1999 $317,000 $317,000.00 $316,746.50
22786248 7.125 4/1/1999 3/1/2029 $1,945.70 5/1/1999 $288,800 $288,569.05 $288,336.73
22787352 7.25 4/1/1999 3/1/2029 $2,148.86 5/1/1999 $315,000 $314,754.27 $314,507.05
22787444 7.5 3/1/1999 2/1/2029 $2,750.44 5/1/1999 $393,360 $392,774.30 $392,478.70
22788178 7 5/1/1999 4/1/2029 $1,663.26 5/1/1999 $250,000 $250,000.00 $249,795.07
22788228 6.875 5/1/1999 4/1/2029 $1,680.26 5/1/1999 $255,775 $255,775.00 $255,560.12
22788822 7 5/1/1999 4/1/2029 $1,676.56 5/1/1999 $252,000 $252,000.00 $251,793.44
22788962 6.75 4/1/1999 3/1/2029 $1,991.20 5/1/1999 $307,000 $306,735.68 $306,469.87
22789465 7 4/1/1999 3/1/2029 $2,661.21 5/1/1999 $400,000 $399,342.33 $399,342.33
22789911 7 5/1/1999 4/1/2029 $2,035.83 5/1/1999 $306,000 $306,000.00 $305,749.17
22789986 6.875 4/1/1999 3/1/2029 $2,627.72 5/1/1999 $400,000 $399,663.95 $399,325.97
22791115 7 4/1/1999 3/1/2029 $1,902.77 5/1/1999 $286,000 $285,529.29 $285,529.29
22791156 6.75 5/1/1999 4/1/2029 $2,497.10 5/1/1999 $385,000 $385,000.00 $384,668.53
22791503 7 5/1/1999 4/1/2029 $2,368.48 5/1/1999 $356,000 $355,414.67 $355,708.19
22791586 7 4/1/1999 3/1/2029 $2,062.44 5/1/1999 $310,000 $309,490.30 $309,490.30
22792162 7 4/1/1999 3/1/2029 $1,778.03 5/1/1999 $267,250 $267,030.93 $266,810.58
22792824 6.5 4/1/1999 3/1/2029 $2,009.98 5/1/1999 $318,000 $317,712.52 $317,423.48
22792832 6.875 5/1/1999 4/1/2029 $2,890.49 5/1/1999 $440,000 $439,630.34 $439,630.34
22792964 7.125 4/1/1999 3/1/2029 $2,860.61 5/1/1999 $424,600 $424,260.45 $423,918.89
22793004 7 5/1/1999 4/1/2029 $4,151.49 5/1/1999 $624,000 $624,000.00 $623,488.51
22793152 7.25 4/1/1999 3/1/2029 $2,182.97 5/1/1999 $320,000 $319,750.36 $319,499.22
22793202 7.5 4/1/1999 3/1/2029 $1,955.01 5/1/1999 $279,600 $279,183.68 $279,183.68
22793269 7.25 4/1/1999 3/1/2029 $2,387.62 5/1/1999 $350,000 $349,726.96 $349,452.27
22793277 6.75 5/1/1999 4/1/2029 $2,270.09 5/1/1999 $350,000 $349,698.66 $349,698.66
22793376 7.125 5/1/1999 4/1/2029 $1,920.10 5/1/1999 $285,000 $284,772.09 $284,772.09
22793434 6.875 5/1/1999 4/1/2029 $1,870.94 5/1/1999 $284,800 $284,800.00 $284,560.73
22794010 7.5 4/1/1999 3/1/2029 $1,971.78 5/1/1999 $282,000 $281,790.72 $281,580.13
22794044 7 5/1/1999 4/1/2029 $1,776.36 5/1/1999 $267,000 $266,781.14 $266,781.14
22794176 6.875 4/1/1999 3/1/2029 $1,733.77 5/1/1999 $263,920 $263,698.27 $263,475.27
22794648 6.75 4/1/1999 3/1/2029 $2,023.63 5/1/1999 $312,000 $311,731.37 $311,461.23
22794788 6.875 4/1/1999 3/1/2029 $1,970.79 5/1/1999 $300,000 $299,747.96 $299,494.48
22795702 6.875 4/1/1999 3/1/2029 $2,433.60 5/1/1999 $370,450 $370,138.77 $369,825.76
22795785 7 5/1/1999 4/1/2029 $2,082.40 5/1/1999 $313,000 $313,000.00 $312,743.43
22795900 6.875 5/1/1999 4/1/2029 $1,721.15 5/1/1999 $262,000 $262,000.00 $261,779.89
22795975 6.75 5/1/1999 4/1/2029 $2,250.64 5/1/1999 $347,000 $347,000.00 $346,701.24
22796155 6.75 4/1/1999 3/1/2029 $2,464.67 5/1/1999 $380,000 $379,672.83 $379,343.82
22796635 6.875 5/1/1999 4/1/2029 $1,701.45 5/1/1999 $259,000 $259,000.00 $258,782.40
22796759 6.875 4/1/1999 3/1/2029 $1,740.86 5/1/1999 $265,000 $264,777.37 $264,553.46
22797898 6.375 4/1/1999 3/1/2029 $2,112.43 5/1/1999 $338,600 $338,286.38 $337,971.10
22798011 6.625 5/1/1999 4/1/2029 $2,241.09 5/1/1999 $350,000 $350,000.00 $349,691.20
22798276 7.125 5/1/1999 4/1/2029 $1,862.83 5/1/1999 $276,500 $276,500.00 $276,278.89
22798664 6.75 4/1/1999 3/1/2029 $2,367.39 5/1/1999 $365,000 $363,071.03 $362,745.91
22798938 7.125 5/1/1999 4/1/2029 $2,021.16 5/1/1999 $300,000 $300,000.00 $299,760.09
22799308 7.25 5/1/1999 4/1/2029 $1,637.22 5/1/1999 $240,000 $239,812.78 $239,812.78
22799480 6.875 4/1/1999 3/1/2029 $2,936.47 5/1/1999 $447,000 $446,624.47 $446,246.79
22799738 6.875 4/1/1999 3/1/2029 $1,806.56 5/1/1999 $275,000 $274,768.96 $274,536.60
22799829 6.875 5/1/1999 4/1/2029 $2,502.90 5/1/1999 $381,000 $381,000.00 $380,679.91
22799910 7.125 5/1/1999 4/1/2029 $2,053.49 5/1/1999 $304,800 $304,800.00 $304,556.26
22800163 6.875 5/1/1999 4/1/2029 $1,864.63 5/1/1999 $283,840 $283,840.00 $283,601.54
22800288 7 4/1/1999 3/1/2029 $2,448.98 5/1/1999 $368,100 $367,568.94 $367,264.11
22800296 6.75 5/1/1999 4/1/2029 $1,971.74 5/1/1999 $304,000 $304,000.00 $303,738.26
22800510 7 4/1/1999 3/1/2029 $1,985.93 5/1/1999 $298,500 $298,255.32 $298,009.21
22800551 7.125 5/1/1999 4/1/2029 $2,088.53 5/1/1999 $310,000 $309,752.10 $309,752.10
22801054 6.75 4/1/1999 3/1/2029 $2,432.24 5/1/1999 $375,000 $374,677.14 $374,352.46
22801237 6.75 4/1/1999 3/1/2029 $3,567.29 5/1/1999 $550,000 $549,526.46 $549,050.26
22801286 7 5/1/1999 4/1/2029 $1,929.38 5/1/1999 $290,000 $290,000.00 $289,762.29
22801302 7 4/1/1999 3/1/2029 $1,932.71 5/1/1999 $290,500 $290,261.87 $290,022.35
22801724 7.125 4/1/1999 3/1/2029 $2,038.68 5/1/1999 $302,600 $302,358.01 $302,114.58
22801955 7 5/1/1999 4/1/2029 $4,324.47 5/1/1999 $650,000 $649,467.20 $649,467.20
22802060 7.25 4/1/1999 3/1/2029 $1,875.98 5/1/1999 $275,000 $274,785.48 $274,569.66
22802466 7 5/1/1999 4/1/2029 $2,128.97 5/1/1999 $320,000 $319,737.70 $319,737.70
22802656 7.5 4/1/1999 3/1/2029 $3,297.50 5/1/1999 $471,600 $471,250.00 $470,897.81
22803076 6.875 5/1/1999 4/1/2029 $1,666.30 5/1/1999 $253,650 $253,650.00 $253,436.90
22803126 7 5/1/1999 4/1/2029 $2,128.97 5/1/1999 $320,000 $319,737.70 $319,737.70
22803159 7 4/1/1999 3/1/2029 $1,751.08 5/1/1999 $263,200 $262,767.24 $262,767.24
22803183 6.875 5/1/1999 4/1/2029 $2,271.67 5/1/1999 $345,800 $345,800.00 $345,509.48
22803233 6.875 4/1/1999 3/1/2029 $1,767.14 5/1/1999 $269,000 $268,774.01 $268,546.72
22803407 6.875 4/1/1999 3/1/2029 $5,767.83 5/1/1999 $878,000 $877,262.38 $876,520.53
22803811 6.75 4/1/1999 3/1/2029 $1,842.02 5/1/1999 $284,000 $283,509.58 $283,509.58
22803878 6.875 5/1/1999 4/1/2029 $1,865.68 5/1/1999 $284,000 $284,000.00 $283,761.40
22804157 7 5/1/1999 4/1/2029 $2,246.07 5/1/1999 $337,600 $337,323.26 $337,323.26
22804447 7.125 4/1/1999 3/1/2029 $2,000.94 5/1/1999 $297,000 $296,762.50 $296,523.59
22804579 6.75 4/1/1999 3/1/2029 $1,712.30 5/1/1999 $264,000 $263,772.70 $263,544.12
22804678 7 4/1/1999 3/1/2029 $2,188.85 5/1/1999 $329,000 $328,459.06 $328,459.06
22804918 7.25 5/1/1999 4/1/2029 $2,326.23 5/1/1999 $341,000 $341,000.00 $340,733.98
22805667 7.25 4/1/1999 3/1/2029 $3,356.31 5/1/1999 $492,000 $491,230.06 $491,230.06
22805949 7 4/1/1999 3/1/2029 $1,896.11 5/1/1999 $285,000 $284,662.50 $284,426.92
22805980 6.75 5/1/1999 4/1/2029 $2,075.52 5/1/1999 $320,000 $320,000.00 $319,724.48
22806152 6.875 5/1/1999 4/1/2029 $2,416.84 5/1/1999 $367,900 $367,900.00 $367,590.92
22806293 6.75 4/1/1999 3/1/2029 $3,610.75 5/1/1999 $556,700 $556,220.69 $555,738.68
22806319 7 5/1/1999 4/1/2029 $1,895.47 5/1/1999 $284,904 $284,670.47 $284,670.47
22806459 6.75 5/1/1999 4/1/2029 $1,806.35 5/1/1999 $278,500 $278,500.00 $278,260.21
22806475 7.25 4/1/1999 3/1/2029 $2,046.53 5/1/1999 $300,000 $299,765.97 $299,530.53
22806954 7 5/1/1999 4/1/2029 $2,004.56 5/1/1999 $301,300 $301,300.00 $301,053.02
22807002 6.875 4/1/1999 3/1/2029 $2,564.32 5/1/1999 $390,350 $390,022.06 $389,692.24
22807192 7.375 5/1/1999 4/1/2029 $2,092.75 5/1/1999 $303,000 $303,000.00 $302,769.44
22807333 7 5/1/1999 4/1/2029 $2,461.62 5/1/1999 $370,000 $370,000.00 $369,696.71
22807366 7.125 5/1/1999 4/1/2029 $2,246.85 5/1/1999 $333,500 $333,500.00 $333,233.31
22807432 6.875 5/1/1999 4/1/2029 $2,782.10 5/1/1999 $423,500 $422,944.20 $422,944.20
22807523 6.75 5/1/1999 4/1/2029 $2,049.57 5/1/1999 $316,000 $316,000.00 $315,727.93
22807754 7.125 4/1/1999 3/1/2029 $1,834.87 5/1/1999 $272,350 $272,132.21 $271,913.12
22808117 7.125 5/1/1999 4/1/2029 $2,068.32 5/1/1999 $307,000 $307,000.00 $306,754.49
22808216 7 5/1/1999 4/1/2029 $2,045.81 5/1/1999 $307,500 $307,159.94 $307,159.94
22808224 6.75 5/1/1999 4/1/2029 $2,270.09 5/1/1999 $350,000 $350,000.00 $349,698.66
22808273 7 4/1/1999 3/1/2029 $2,442.99 5/1/1999 $367,200 $366,596.26 $366,596.26
22808422 7 5/1/1999 4/1/2029 $2,421.70 5/1/1999 $364,000 $364,000.00 $363,701.63
22808489 7.125 4/1/1999 3/1/2029 $3,368.59 5/1/1999 $500,000 $499,197.95 $499,197.95
22808869 7.125 5/1/1999 4/1/2029 $2,829.62 5/1/1999 $420,000 $419,664.13 $419,664.13
228089196.75 5/1/1999 4/1/2019 $2,907.63 5/1/1999 $382,400 $382,400.00 $381,643.37
22808935 7 5/1/1999 4/1/2029 $3,186.80 5/1/1999 $479,000 $479,000.00 $478,607.37
22808976 7.125 5/1/1999 4/1/2029 $2,560.13 5/1/1999 $380,000 $380,000.00 $379,696.12
22809040 7 5/1/1999 4/1/2029 $2,049.14 5/1/1999 $308,000 $308,000.00 $307,747.53
22809115 7 6/1/1999 5/1/2029 $2,442.99 5/1/1999 $367,200 $367,200.00 $367,200.00
22809628 6.75 11/1/1998 10/1/2028 $2,185.78 5/1/1999 $337,000 $334,620.09 $334,620.09
22810105 6.75 5/1/1999 4/1/2029 $2,164.70 5/1/1999 $333,750 $333,750.00 $333,462.64
22810196 6.625 5/1/1999 4/1/2029 $1,664.81 5/1/1999 $260,000 $259,770.61 $259,770.61
22810857 7.375 5/1/1999 4/1/2029 $2,659.10 5/1/1999 $385,000 $385,000.00 $384,707.05
22811228 6.75 5/1/1999 4/1/2029 $2,988.75 5/1/1999 $460,800 $460,800.00 $460,403.25
22811707 7.625 4/1/1999 3/1/2029 $1,748.25 5/1/1999 $247,000 $246,641.32 $246,641.32
22811863 7 5/1/1999 4/1/2029 $1,793.00 5/1/1999 $269,500 $269,500.00 $269,279.08
22812291 7.375 4/1/1999 3/1/2029 $2,375.92 5/1/1999 $344,000 $343,738.25 $343,474.89
22812614 6.75 4/1/1999 3/1/2029 $1,943.20 5/1/1999 $299,600 $299,082.65 $299,082.65
22812713 6.875 5/1/1999 4/1/2029 $1,993.78 5/1/1999 $303,500 $303,500.00 $303,245.02
22813000 7.125 5/1/1999 4/1/2029 $1,886.41 5/1/1999 $280,000 $280,000.00 $279,776.09
22813174 7 5/1/1999 4/1/2029 $1,852.21 5/1/1999 $278,400 $278,171.79 $278,171.79
22813208 7 5/1/1999 4/1/2029 $1,796.32 5/1/1999 $270,000 $270,000.00 $269,778.68
22813349 7 5/1/1999 4/1/2029 $3,991.82 5/1/1999 $600,000 $600,000.00 $599,508.18
22814776 7 4/1/1999 3/1/2029 $2,256.71 5/1/1999 $339,200 $338,642.29 $338,642.29
22814834 6.875 5/1/1999 4/1/2029 $1,681.74 5/1/1999 $256,000 $255,784.93 $255,784.93
22815088 7.25 5/1/1999 4/1/2029 $2,046.53 5/1/1999 $300,000 $300,000.00 $299,765.97
22815153 7 4/1/1999 3/1/2029 $2,661.21 5/1/1999 $400,000 $399,672.12 $399,342.33
22815393 7.375 5/1/1999 4/1/2029 $1,602.37 5/1/1999 $232,000 $232,000.00 $231,823.46
22815617 7.125 6/1/1999 5/1/2029 $2,587.08 5/1/1999 $384,000 $384,000.00 $384,000.00
22815716 7.125 5/1/1999 4/1/2029 $3,678.50 5/1/1999 $546,000 $546,000.00 $545,563.38
22816359 7 4/1/1999 3/1/2029 $1,900.10 5/1/1999 $285,600 $285,365.90 $285,130.43
22816631 6.75 4/1/1999 3/1/2029 $2,970.58 5/1/1999 $458,000 $457,605.67 $457,209.12
22816938 7 4/1/1999 3/1/2029 $1,798.32 5/1/1999 $270,300 $269,855.57 $269,855.57
22817100 7 4/1/1999 3/1/2029 $2,177.87 5/1/1999 $327,350 $327,081.67 $326,811.78
22817589 6.875 4/1/1999 3/1/2029 $2,924.65 5/1/1999 $445,200 $444,825.98 $444,449.81
22817852 7.25 5/1/1999 4/1/2029 $3,268.99 5/1/1999 $479,200 $479,200.00 $478,826.18
22817886 6.875 5/1/1999 4/1/2029 $2,496.33 5/1/1999 $380,000 $380,000.00 $379,680.75
22817944 7 5/1/1999 4/1/2029 $3,492.84 5/1/1999 $525,000 $525,000.00 $524,569.66
22818017 6.875 4/1/1999 3/1/2029 $1,158.83 5/1/1999 $176,400 $176,251.80 $176,102.75
22818249 6.75 5/1/1999 4/1/2029 $1,952.28 5/1/1999 $301,000 $301,000.00 $300,740.85
22819312 7.125 5/1/1999 4/1/2029 $4,204.00 5/1/1999 $624,000 $624,000.00 $623,501.00
22819577 7.125 5/1/1999 4/1/2029 $1,616.93 5/1/1999 $240,000 $239,808.07 $239,808.07
22820799 6.875 4/1/1999 3/1/2029 $1,773.71 5/1/1999 $270,000 $269,525.52 $269,525.52
22820872 7.125 4/1/1999 3/1/2029 $4,379.17 5/1/1999 $650,000 $649,480.21 $648,957.33
22820922 7.125 4/1/1999 3/1/2029 $1,760.09 5/1/1999 $261,250 $261,041.08 $260,830.92
22821367 6.625 5/1/1999 4/1/2029 $2,580.46 5/1/1999 $403,000 $403,000.00 $402,644.44
22821466 7 4/1/1999 3/1/2029 $1,579.10 5/1/1999 $237,350 $237,155.44 $236,959.75
22821532 7 6/1/1999 5/1/2029 $1,756.40 5/1/1999 $264,000 $264,000.00 $264,000.00
22821722 7.25 5/1/1999 4/1/2029 $2,159.77 5/1/1999 $316,600 $316,353.02 $316,353.02
22821987 7.125 4/1/1999 3/1/2029 $2,137.04 5/1/1999 $317,200 $316,946.34 $316,691.17
22822225 6.875 4/1/1999 3/1/2029 $2,541.55 5/1/1999 $386,883 $386,557.97 $386,231.08
22822910 6.875 5/1/1999 4/1/2029 $1,660.39 5/1/1999 $252,750 $252,750.00 $252,537.66
22823207 7.25 5/1/1999 4/1/2029 $2,046.53 5/1/1999 $300,000 $300,000.00 $299,765.97
22824932 6.75 4/1/1999 3/1/2029 $2,231.18 5/1/1999 $344,000 $343,315.22 $343,015.19
22825186 7.125 5/1/1999 4/1/2029 $3,216.34 5/1/1999 $477,400 $477,018.22 $477,018.22
22825434 7.25 5/1/1999 4/1/2029 $1,571.73 5/1/1999 $230,400 $230,400.00 $230,220.27
22825525 6.5 4/1/1999 3/1/2029 $2,073.19 5/1/1999 $328,000 $327,703.48 $327,405.35
22826333 7 5/1/1999 4/1/2029 $1,909.42 5/1/1999 $287,000 $286,764.75 $286,764.75
22826432 7.125 5/1/1999 4/1/2029 $1,952.10 5/1/1999 $289,750 $289,750.00 $289,518.29
22826796 7.25 5/1/1999 4/1/2029 $1,858.93 5/1/1999 $272,500 $272,500.00 $272,287.42
22827323 6.875 5/1/1999 4/1/2029 $2,627.72 5/1/1999 $400,000 $400,000.00 $399,663.95
22827364 7 5/1/1999 4/1/2029 $2,146.94 5/1/1999 $322,700 $322,700.00 $322,435.48
22827570 7 5/1/1999 4/1/2029 $2,512.85 5/1/1999 $377,700 $377,390.40 $377,390.40
22827653 6.875 5/1/1999 4/1/2029 $2,660.56 5/1/1999 $405,000 $404,659.75 $404,659.75
22828396 6.5 5/1/1999 4/1/2029 $1,870.92 5/1/1999 $296,000 $296,000.00 $295,732.41
22828420 7 5/1/1999 4/1/2029 $2,661.21 5/1/1999 $400,000 $400,000.00 $399,672.12
22828925 6.875 5/1/1999 4/1/2029 $2,601.44 5/1/1999 $396,000 $396,000.00 $395,667.31
22829170 7.125 4/1/1999 3/1/2029 $2,273.81 5/1/1999 $337,500 $337,230.10 $336,958.59
22829220 7 5/1/1999 4/1/2029 $2,694.48 5/1/1999 $405,000 $405,000.00 $404,668.02
22829451 6.75 5/1/1999 4/1/2029 $1,777.16 5/1/1999 $274,000 $274,000.00 $273,764.09
22829576 7 5/1/1999 4/1/2029 $1,929.38 5/1/1999 $290,000 $290,000.00 $289,762.29
22829741 7 4/1/1999 3/1/2029 $2,011.55 5/1/1999 $302,350 $302,102.16 $301,852.87
22830061 7 5/1/1999 4/1/2029 $1,766.38 5/1/1999 $265,500 $265,500.00 $265,282.37
22830095 7 4/1/1999 3/1/2029 $1,830.92 5/1/1999 $275,200 $274,953.25 $274,726.22
22830541 7 4/1/1999 3/1/2029 $3,293.26 5/1/1999 $495,000 $494,594.24 $494,186.11
22830624 7.125 5/1/1999 4/1/2029 $1,788.73 5/1/1999 $265,500 $265,500.00 $265,287.68
22830798 6.75 5/1/1999 4/1/2029 $3,567.29 5/1/1999 $550,000 $549,526.46 $549,526.46
22830905 6.75 4/1/1999 3/1/2029 $1,692.85 5/1/1999 $261,000 $260,534.95 $260,534.95
22830913 6.75 5/1/1999 4/1/2029 $2,180.91 5/1/1999 $336,250 $335,960.50 $335,960.50
22831002 7.125 5/1/1999 4/1/2029 $2,391.70 5/1/1999 $355,000 $355,000.00 $354,716.11
22831234 7 5/1/1999 4/1/2029 $1,995.91 5/1/1999 $300,000 $300,000.00 $299,754.09
22831457 7 5/1/1999 4/1/2029 $1,822.93 5/1/1999 $274,000 $273,775.40 $273,775.40
22831630 7.125 4/1/1999 3/1/2029 $1,958.50 5/1/1999 $290,700 $290,467.53 $290,233.68
22831689 7 5/1/1999 4/1/2029 $3,153.53 5/1/1999 $474,000 $474,000.00 $473,611.47
22831812 7.25 4/1/1999 3/1/2029 $2,046.53 5/1/1999 $300,000 $299,765.97 $299,530.53
22831820 6.75 5/1/1999 4/1/2029 $2,176.70 5/1/1999 $335,600 $335,311.05 $335,311.05
22832224 7.125 5/1/1999 4/1/2029 $1,812.30 5/1/1999 $269,000 $269,000.00 $268,784.89
22832265 7.25 5/1/1999 4/1/2029 $2,028.46 5/1/1999 $297,350 $297,350.00 $297,118.03
22832281 6.875 5/1/1999 4/1/2029 $1,688.31 5/1/1999 $257,000 $257,000.00 $256,784.09
22832489 6.875 5/1/1999 4/1/2029 $3,266.25 5/1/1999 $497,200 $496,782.29 $496,782.29
22832562 6.875 5/1/1999 4/1/2029 $3,547.42 5/1/1999 $540,000 $539,546.33 $539,546.33
22832596 7 4/1/1999 3/1/2029 $1,995.91 5/1/1999 $300,000 $299,754.09 $299,506.75
22833032 6.875 5/1/1999 4/1/2029 $2,067.36 5/1/1999 $314,700 $314,700.00 $314,435.61
22833180 6.75 5/1/1999 4/1/2029 $4,215.89 5/1/1999 $650,000 $650,000.00 $649,440.36
22833198 7.125 4/1/1999 3/1/2029 $3,126.05 5/1/1999 $464,000 $463,240.70 $463,240.70
22833339 6.75 5/1/1999 4/1/2029 $2,107.95 5/1/1999 $325,000 $325,000.00 $324,720.18
22833370 7.25 5/1/1999 4/1/2029 $2,101.10 5/1/1999 $308,000 $308,000.00 $307,759.73
22834386 7.125 5/1/1999 4/1/2029 $696.63 5/1/1999 $103,400 $103,317.31 $103,317.31
22834691 7 5/1/1999 4/1/2029 $2,295.30 5/1/1999 $345,000 $345,000.00 $344,717.20
22834741 7.25 5/1/1999 4/1/2029 $2,172.05 5/1/1999 $318,400 $318,400.00 $318,151.62
22835490 7 5/1/1999 4/1/2029 $2,099.03 5/1/1999 $315,500 $315,500.00 $315,241.39
22835607 7 6/1/1999 5/1/2029 $3,858.75 5/1/1999 $580,000 $580,000.00 $580,000.00
22835961 7.5 5/1/1999 4/1/2029 $2,684.98 5/1/1999 $384,000 $383,715.02 $383,715.02
22835995 7 5/1/1999 4/1/2029 $2,661.21 5/1/1999 $400,000 $400,000.00 $399,672.12
22836092 7.125 4/1/1999 3/1/2029 $1,805.57 5/1/1999 $268,000 $267,785.68 $267,570.09
22836324 6.875 5/1/1999 4/1/2029 $2,023.35 5/1/1999 $308,000 $308,000.00 $307,741.23
22836431 7.125 5/1/1999 4/1/2029 $2,110.76 5/1/1999 $313,300 $313,300.00 $313,049.46
22836662 7 5/1/1999 4/1/2029 $1,995.91 5/1/1999 $300,000 $300,000.00 $299,754.09
22837074 6.875 5/1/1999 4/1/2029 $2,463.48 5/1/1999 $375,000 $375,000.00 $374,684.96
22837108 7 5/1/1999 4/1/2029 $2,321.91 5/1/1999 $349,000 $349,000.00 $348,713.92
22837405 7 5/1/1999 4/1/2029 $1,906.09 5/1/1999 $286,500 $286,500.00 $286,265.16
22837439 7.125 5/1/1999 4/1/2029 $1,953.78 5/1/1999 $290,000 $290,000.00 $289,768.10
22837488 6.875 6/1/1999 5/1/2029 $2,062.76 5/1/1999 $314,000 $314,000.00 $314,000.00
22837660 7.25 4/1/1999 3/1/2029 $1,719.08 5/1/1999 $252,000 $251,605.65 $251,605.65
22837918 7 5/1/1999 4/1/2029 $1,995.91 5/1/1999 $300,000 $299,754.09 $299,754.09
22838130 7 4/1/1999 3/1/2029 $1,663.26 5/1/1999 $250,000 $249,588.95 $249,588.95
22838148 6.875 5/1/1999 4/1/2029 $1,809.84 5/1/1999 $275,500 $275,268.55 $275,268.55
22838163 6.875 4/1/1999 3/1/2029 $1,954.36 5/1/1999 $297,500 $297,091.23 $296,838.96
22838395 6.875 5/1/1999 4/1/2029 $2,791.95 5/1/1999 $425,000 $425,000.00 $424,642.95
22838866 6.625 5/1/1999 4/1/2029 $2,166.81 5/1/1999 $338,400 $338,101.44 $338,101.44
22839419 7 6/1/1999 5/1/2029 $2,490.89 5/1/1999 $374,400 $374,400.00 $374,400.00
22839625 7.125 4/1/1999 3/1/2029 $1,953.79 5/1/1999 $290,000 $289,768.09 $289,534.80
22841332 7.25 5/1/1999 4/1/2029 $3,656.47 5/1/1999 $536,000 $536,000.00 $535,581.86
22841571 7.5 5/1/1999 4/1/2029 $4,544.90 5/1/1999 $650,000 $650,000.00 $649,517.60
22842033 7.125 4/1/1999 3/1/2029 $2,478.62 5/1/1999 $367,900 $367,605.79 $367,309.83
22842231 7.25 4/1/1999 3/1/2029 $1,866.43 5/1/1999 $273,600 $273,386.57 $273,171.85
22842512 6.875 5/1/1999 4/1/2029 $2,128.45 5/1/1999 $324,000 $324,000.00 $323,727.80
22842934 7.25 4/1/1999 3/1/2029 $960.51 5/1/1999 $140,800 $140,690.16 $140,579.65
22843130 6.875 4/1/1999 3/1/2029 $1,012.00 5/1/1999 $154,050 $153,790.42 $153,790.42
22843320 7.125 5/1/1999 4/1/2029 $2,358.01 5/1/1999 $350,000 $350,000.00 $349,720.12
22843502 7.125 4/1/1999 3/1/2029 $1,987.47 5/1/1999 $295,000 $294,764.09 $294,526.78
22843544 7.125 5/1/1999 4/1/2029 $1,831.85 5/1/1999 $271,900 $271,900.00 $271,682.56
22843957 7 5/1/1999 4/1/2029 $1,916.07 5/1/1999 $288,000 $287,763.93 $287,763.93
22844245 7.125 5/1/1999 4/1/2029 $1,925.15 5/1/1999 $285,750 $285,750.00 $285,521.49
22844674 7.25 5/1/1999 4/1/2029 $3,069.80 5/1/1999 $450,000 $450,000.00 $449,648.95
22844856 7.25 5/1/1999 4/1/2029 $2,831.03 5/1/1999 $415,000 $415,000.00 $414,676.26
22845374 7 4/1/1999 3/1/2029 $2,299.29 5/1/1999 $345,600 $345,316.71 $345,031.77
22845424 7.125 5/1/1999 4/1/2029 $2,035.30 5/1/1999 $302,100 $302,100.00 $301,858.42
22845556 7.25 4/1/1999 3/1/2029 $1,739.55 5/1/1999 $255,000 $253,438.69 $253,438.69
22846638 7.375 5/1/1999 4/1/2029 $2,382.14 5/1/1999 $344,900 $344,900.00 $344,637.56
22846661 7.125 5/1/1999 4/1/2029 $2,181.50 5/1/1999 $323,800 $323,800.00 $323,541.06
22846687 7 5/1/1999 4/1/2029 $2,671.85 5/1/1999 $401,600 $401,600.00 $401,270.82
22846711 7.125 5/1/1999 4/1/2029 $2,014.09 5/1/1999 $298,950 $298,950.00 $298,710.93
22847362 7 4/1/1999 3/1/2029 $3,238.69 5/1/1999 $486,800 $486,400.98 $485,999.63
22847404 6.875 4/1/1999 3/1/2029 $2,181.00 5/1/1999 $332,000 $331,440.57 $331,440.57
22847446 7 5/1/1999 4/1/2029 $2,091.71 5/1/1999 $314,400 $314,400.00 $314,142.29
22847461 7.125 5/1/1999 4/1/2029 $1,832.51 5/1/1999 $272,000 $271,782.49 $271,782.49
22848006 7 5/1/1999 4/1/2029 $1,756.13 5/1/1999 $263,960 $263,960.00 $263,743.64
22848188 6.875 4/1/1999 3/1/2029 $3,021.87 5/1/1999 $460,000 $459,224.88 $459,224.88
22848212 7.125 5/1/1999 4/1/2029 $1,505.63 5/1/1999 $223,480 $223,480.00 $223,301.28
22848733 7.125 5/1/1999 4/1/2029 $1,721.69 5/1/1999 $255,550 $255,345.64 $255,345.64
22848766 7 5/1/1999 4/1/2029 $2,607.99 5/1/1999 $392,000 $392,000.00 $391,678.68
22848816 6.875 5/1/1999 4/1/2029 $2,292.68 5/1/1999 $349,000 $349,000.00 $348,706.80
22848824 7.25 4/1/1999 3/1/2029 $1,873.94 5/1/1999 $274,700 $274,270.12 $274,270.12
22848840 7 5/1/1999 4/1/2029 $1,857.52 5/1/1999 $279,200 $279,200.00 $278,971.15
22849293 7 4/1/1999 3/1/2029 $1,740.43 5/1/1999 $261,600 $261,169.89 $261,169.89
22849392 6.875 5/1/1999 4/1/2029 $1,970.79 5/1/1999 $300,000 $300,000.00 $299,747.96
22849400 6.875 5/1/1999 4/1/2029 $1,734.29 5/1/1999 $264,000 $264,000.00 $263,778.21
22850192 7 4/1/1999 3/1/2019 $4,456.03 5/1/1999 $574,750 $573,646.68 $572,536.92
22850705 7.125 5/1/1999 4/1/2029 $2,600.55 5/1/1999 $386,000 $385,691.33 $385,691.33
22850960 7 5/1/1999 4/1/2029 $2,128.97 5/1/1999 $320,000 $320,000.00 $319,737.70
22851372 7.25 4/1/1999 3/1/2029 $2,062.90 5/1/1999 $302,400 $302,127.00 $301,889.45
22851463 6.75 4/1/1999 3/1/2029 $2,010.66 5/1/1999 $310,000 $309,464.68 $309,464.68
22851505 7 5/1/1999 4/1/2029 $1,978.61 5/1/1999 $297,400 $297,400.00 $297,156.22
22852008 6.875 4/1/1999 3/1/2029 $1,736.92 5/1/1999 $264,400 $264,177.87 $263,954.47
22852362 7.25 6/1/1999 5/1/2029 $2,627.74 5/1/1999 $385,200 $385,200.00 $385,200.00
22852560 7.25 5/1/1999 4/1/2029 $1,773.66 5/1/1999 $260,000 $259,797.17 $259,797.17
22852743 7 5/1/1999 4/1/2029 $1,665.37 5/1/1999 $250,317 $250,317.00 $250,111.81
22853105 6.875 5/1/1999 4/1/2029 $2,332.10 5/1/1999 $355,000 $355,000.00 $354,701.75
22853139 7.125 5/1/1999 4/1/2029 $2,048.10 5/1/1999 $304,000 $304,000.00 $303,756.90
22853253 7 5/1/1999 4/1/2029 $1,675.24 5/1/1999 $251,800 $251,800.00 $251,593.59
22853329 7 5/1/1999 4/1/2029 $3,259.98 5/1/1999 $490,000 $490,000.00 $489,598.35
22853519 7.125 5/1/1999 4/1/2029 $1,813.65 5/1/1999 $269,200 $269,200.00 $268,984.73
22853873 7.25 5/1/1999 4/1/2029 $2,728.71 5/1/1999 $400,000 $400,000.00 $399,687.96
22854145 7.75 4/1/1999 3/1/2029 $1,837.60 5/1/1999 $256,500 $256,318.96 $256,136.75
22854202 7.25 5/1/1999 4/1/2029 $1,964.67 5/1/1999 $288,000 $288,000.00 $287,775.33
22854665 7 5/1/1999 4/1/2029 $1,729.79 5/1/1999 $260,000 $260,000.00 $259,786.88
22855035 6.875 5/1/1999 4/1/2029 $3,276.11 5/1/1999 $498,700 $498,281.03 $498,281.03
22855365 7.25 5/1/1999 4/1/2029 $2,583.75 5/1/1999 $378,750 $378,750.00 $378,454.53
22855423 7 5/1/1999 4/1/2029 $2,022.52 5/1/1999 $304,000 $303,750.81 $303,750.81
22855431 7 5/1/1999 4/1/2029 $2,155.58 5/1/1999 $324,000 $324,000.00 $323,734.42
22855647 6.75 5/1/1999 4/1/2029 $1,945.79 5/1/1999 $300,000 $300,000.00 $299,741.71
22856009 6.875 4/1/1999 3/1/2029 $2,259.84 5/1/1999 $344,000 $343,420.33 $343,420.33
22856017 7.125 5/1/1999 4/1/2029 $2,596.52 5/1/1999 $385,400 $385,400.00 $385,091.79
22856041 7 4/1/1999 3/1/2029 $2,458.96 5/1/1999 $369,600 $368,992.31 $368,992.31
22856975 7 4/1/1999 3/1/2029 $4,324.47 5/1/1999 $650,000 $649,467.20 $648,931.29
22857163 6.875 5/1/1999 4/1/2029 $2,059.80 5/1/1999 $313,550 $313,550.00 $313,286.58
22857189 7 5/1/1999 4/1/2029 $1,824.60 5/1/1999 $274,250 $274,250.00 $274,025.19
22857338 7 5/1/1999 4/1/2029 $1,995.91 5/1/1999 $300,000 $300,000.00 $299,754.09
22857379 7.125 5/1/1999 4/1/2029 $2,694.88 5/1/1999 $400,000 $400,000.00 $399,680.12
22857445 7 5/1/1999 4/1/2029 $1,864.51 5/1/1999 $280,250 $280,020.28 $280,020.28
22857494 7.25 5/1/1999 4/1/2029 $2,171.03 5/1/1999 $318,250 $318,250.00 $318,001.73
22857528 6.75 4/1/1999 3/1/2029 $2,206.53 5/1/1999 $340,200 $339,612.55 $339,612.55
22857593 6.75 5/1/1999 4/1/2029 $1,945.79 5/1/1999 $300,000 $299,641.71 $299,641.71
22857940 7.25 5/1/1999 4/1/2029 $2,435.37 5/1/1999 $357,000 $357,000.00 $356,721.51
22858724 7.25 4/1/1999 3/1/2029 $2,264.83 5/1/1999 $332,000 $331,480.44 $331,480.44
22859086 7.375 4/1/1999 3/1/2029 $2,315.15 5/1/1999 $335,200 $334,944.93 $334,688.30
22859698 7 4/1/1999 3/1/2029 $2,927.33 5/1/1999 $440,000 $439,639.34 $439,276.57
22860019 7 5/1/1999 4/1/2029 $2,081.07 5/1/1999 $312,800 $311,766.84 $311,766.84
22860407 6.875 4/1/1999 3/1/2029 $2,089.03 5/1/1999 $318,000 $317,732.85 $317,464.16
22860571 7.125 5/1/1999 4/1/2029 $398.84 5/1/1999 $59,200 $59,200.00 $59,152.66
22861165 7.25 5/1/1999 4/1/2029 $3,547.32 5/1/1999 $520,000 $520,000.00 $519,594.35
22861249 6.875 5/1/1999 4/1/2029 $3,547.42 5/1/1999 $540,000 $540,000.00 $539,546.33
22861363 7.375 5/1/1999 4/1/2029 $2,141.09 5/1/1999 $310,000 $310,000.00 $309,764.12
22861496 7 4/1/1999 3/1/2029 $2,095.70 5/1/1999 $315,000 $314,741.80 $314,482.09
22861520 7.125 5/1/1999 4/1/2029 $1,747.29 5/1/1999 $259,350 $259,350.00 $259,142.60
22861561 7.125 6/1/1999 5/1/2029 $2,048.10 5/1/1999 $304,000 $304,000.00 $304,000.00
22861868 7 6/1/1999 5/1/2029 $2,067.76 5/1/1999 $310,800 $310,800.00 $310,800.00
22862205 7.25 5/1/1999 4/1/2029 $2,019.25 5/1/1999 $296,000 $295,769.08 $295,769.08
22862221 7.25 5/1/1999 4/1/2029 $2,755.99 5/1/1999 $404,000 $404,000.00 $403,684.84
22862288 7.125 5/1/1999 4/1/2029 $2,296.03 5/1/1999 $340,800 $340,800.00 $340,527.47
22862585 7.25 4/1/1999 3/1/2029 $2,387.62 5/1/1999 $350,000 $349,452.27 $349,452.27
22863054 6.875 5/1/1999 4/1/2029 $1,905.09 5/1/1999 $290,000 $289,756.37 $289,756.37
22863260 7.375 5/1/1999 4/1/2029 $1,685.25 5/1/1999 $244,000 $243,731.00 $243,731.00
22863328 6.875 5/1/1999 4/1/2029 $3,074.43 5/1/1999 $468,000 $468,000.00 $467,606.82
22863716 7 5/1/1999 4/1/2029 $3,273.29 5/1/1999 $492,000 $491,596.71 $491,596.71
22863823 7 5/1/1999 4/1/2029 $2,128.97 5/1/1999 $320,000 $320,000.00 $319,737.70
22864318 7.25 4/1/1999 3/1/2029 $2,302.34 5/1/1999 $337,500 $336,971.85 $336,971.85
22864359 7.25 4/1/1999 3/1/2029 $1,910.09 5/1/1999 $280,000 $279,781.58 $279,561.84
22864789 7 5/1/1999 4/1/2029 $1,999.57 5/1/1999 $300,550 $300,550.00 $300,303.64
22864995 7 5/1/1999 4/1/2029 $2,095.70 5/1/1999 $315,000 $315,000.00 $314,741.80
22865182 6.875 4/1/1999 3/1/2029 $1,905.10 5/1/1999 $290,000 $289,511.32 $289,511.32
22865760 7 5/1/1999 4/1/2029 $2,458.96 5/1/1999 $369,600 $369,600.00 $369,297.04
22866271 7.125 5/1/1999 4/1/2029 $2,072.36 5/1/1999 $307,600 $307,600.00 $307,354.02
22866289 7 5/1/1999 4/1/2029 $2,401.74 5/1/1999 $361,000 $361,000.00 $360,704.09
22866461 7 4/1/1999 3/1/2029 $2,597.34 5/1/1999 $390,400 $384,548.29 $384,548.29
22866479 7 5/1/1999 4/1/2029 $2,991.20 5/1/1999 $449,600 $449,600.00 $449,231.47
22866651 6.75 4/1/1999 3/1/2029 $1,790.13 5/1/1999 $276,000 $275,762.36 $275,523.39
22867030 7.125 5/1/1999 4/1/2029 $1,960.53 5/1/1999 $291,000 $291,000.00 $290,767.28
22867253 6.875 4/1/1999 3/1/2029 $1,871.17 5/1/1999 $284,836 $284,596.70 $284,356.03
22867394 7.375 5/1/1999 4/1/2029 $1,951.16 5/1/1999 $282,500 $282,500.00 $282,285.04
22867527 7.25 4/1/1999 3/1/2029 $2,524.05 5/1/1999 $370,000 $369,420.99 $369,420.99
22867790 7.5 5/1/1999 4/1/2029 $2,192.74 5/1/1999 $313,600 $313,367.26 $313,367.26
22867824 7.25 5/1/1999 4/1/2029 $4,243.14 5/1/1999 $622,000 $622,000.00 $621,514.78
22867865 7 5/1/1999 4/1/2029 $1,942.36 5/1/1999 $291,950 $291,950.00 $291,710.68
22868186 7.25 5/1/1999 4/1/2029 $2,708.24 5/1/1999 $397,000 $397,000.00 $396,690.30
22868293 6.875 5/1/1999 4/1/2029 $2,122.54 5/1/1999 $323,100 $323,100.00 $322,828.55
22868418 7.125 5/1/1999 4/1/2029 $3,705.45 5/1/1999 $550,000 $550,000.00 $549,560.18
22868954 7.5 5/1/1999 4/1/2029 $2,094.15 5/1/1999 $299,500 $299,277.73 $299,277.73
22869135 7.25 5/1/1999 4/1/2029 $1,852.11 5/1/1999 $271,500 $271,500.00 $271,288.20
22869432 7 4/1/1999 3/1/2029 $2,661.21 5/1/1999 $400,000 $399,342.33 $399,342.33
22869796 7.25 5/1/1999 4/1/2029 $2,114.75 5/1/1999 $310,000 $310,000.00 $309,758.17
22869978 7 5/1/1999 4/1/2029 $2,581.37 5/1/1999 $388,000 $388,000.00 $387,681.96
22870083 7.125 5/1/1999 4/1/2029 $1,817.56 5/1/1999 $269,780 $269,780.00 $269,564.26
22870182 6.875 5/1/1999 4/1/2029 $1,670.57 5/1/1999 $254,300 $254,300.00 $254,086.36
22870216 6.875 6/1/1999 5/1/2029 $1,750.72 5/1/1999 $266,500 $266,500.00 $266,500.00
22870265 7 5/1/1999 4/1/2029 $3,459.57 5/1/1999 $520,000 $520,000.00 $519,573.76
22870869 7 5/1/1999 4/1/2029 $1,942.68 5/1/1999 $292,000 $292,000.00 $291,760.65
22870950 7 5/1/1999 4/1/2029 $2,115.67 5/1/1999 $318,000 $318,000.00 $317,739.33
22871222 7.375 5/1/1999 4/1/2029 $1,709.42 5/1/1999 $247,500 $247,500.00 $247,311.67
22871545 7.25 5/1/1999 4/1/2029 $1,991.95 5/1/1999 $292,000 $292,000.00 $291,772.22
22871628 7.25 4/1/1999 3/1/2029 $1,872.50 5/1/1999 $274,488 $274,273.87 $274,058.44
22871669 7 5/1/1999 4/1/2029 $1,968.64 5/1/1999 $295,900 $295,900.00 $295,657.44
22871891 6.875 5/1/1999 4/1/2029 $1,655.46 5/1/1999 $252,000 $251,788.29 $251,788.29
22872402 6.875 5/1/1999 4/1/2029 $2,086.41 5/1/1999 $317,600 $317,600.00 $317,333.17
22872410 7.25 5/1/1999 4/1/2029 $2,351.90 5/1/1999 $344,763 $344,494.04 $344,494.04
22872667 6.75 4/1/1999 3/1/2029 $1,783.64 5/1/1999 $275,000 $274,525.14 $274,525.14
22872733 7.25 4/1/1999 3/1/2029 $2,047.21 5/1/1999 $300,100 $297,395.75 $297,145.31
22872824 7.25 5/1/1999 4/1/2029 $1,828.23 5/1/1999 $268,000 $268,000.00 $267,790.94
22873079 7.125 4/1/1999 3/1/2029 $2,064.27 5/1/1999 $306,400 $306,154.98 $305,908.51
22873665 7.125 5/1/1999 4/1/2029 $956.15 5/1/1999 $141,920 $141,806.50 $141,806.50
22873871 7.125 5/1/1999 4/1/2029 $3,314.70 5/1/1999 $492,000 $492,000.00 $491,606.55
22873988 7 5/1/1999 4/1/2029 $1,570.11 5/1/1999 $236,000 $236,000.00 $235,806.56
22874812 7 5/1/1999 4/1/2029 $3,226.72 5/1/1999 $485,000 $484,602.45 $484,602.45
22874978 7 5/1/1999 4/1/2029 $1,995.91 5/1/1999 $300,000 $299,754.09 $299,754.09
22875082 6.875 5/1/1999 4/1/2029 $1,806.55 5/1/1999 $275,000 $275,000.00 $274,768.97
22875090 7 5/1/1999 4/1/2029 $4,297.85 5/1/1999 $646,000 $644,689.76 $644,689.76
22875280 7 5/1/1999 4/1/2029 $2,762.34 5/1/1999 $415,200 $415,200.00 $414,859.66
22875405 7 5/1/1999 4/1/2029 $1,995.91 5/1/1999 $300,000 $300,000.00 $299,754.09
22875751 7 5/1/1999 4/1/2029 $1,676.23 5/1/1999 $251,950 $251,950.00 $251,743.48
22875793 7.375 5/1/1999 4/1/2029 $1,732.56 5/1/1999 $250,850 $250,850.00 $250,659.12
22876015 7.25 5/1/1999 4/1/2029 $1,937.39 5/1/1999 $284,000 $283,778.44 $283,778.44
22876148 7.25 5/1/1999 4/1/2029 $2,345.32 5/1/1999 $343,800 $343,531.81 $343,531.81
22876288 7.5 3/1/1999 2/1/2029 $2,321.39 5/1/1999 $332,000 $330,005.67 $329,746.82
22876445 6.875 4/1/1999 3/1/2029 $2,091.67 5/1/1999 $318,400 $318,132.50 $317,863.46
22877344 7.25 5/1/1999 4/1/2029 $1,925.44 5/1/1999 $282,250 $282,250.00 $282,029.82
22877500 7.25 5/1/1999 4/1/2029 $2,182.96 5/1/1999 $320,000 $320,000.00 $319,750.37
22877559 7.25 5/1/1999 4/1/2029 $1,900.72 5/1/1999 $278,625 $278,625.00 $278,407.64
22877682 6.5 5/1/1999 4/1/2029 $1,088.42 5/1/1999 $172,200 $172,200.00 $172,044.33
22877716 7.625 5/1/1999 4/1/2029 $2,400.84 5/1/1999 $339,200 $339,200.00 $338,954.49
22877930 6.875 5/1/1999 4/1/2029 $2,138.30 5/1/1999 $325,500 $325,500.00 $325,226.54
22878458 7.125 5/1/1999 4/1/2029 $2,364.08 5/1/1999 $350,900 $350,900.00 $350,619.39
22878979 7.125 3/1/1999 2/1/2029 $1,899.55 5/1/1999 $281,950 $281,269.56 $281,269.56
22879043 6.75 4/1/1999 3/1/2029 $1,826.13 5/1/1999 $281,550 $281,307.59 $281,063.82
22879381 6.875 3/1/1999 2/1/2029 $1,970.79 5/1/1999 $300,000 $298,465.06 $298,204.23
22880371 7.125 5/1/1999 4/1/2029 $2,000.94 5/1/1999 $297,000 $297,000.00 $296,762.50
22880843 7.875 5/1/1999 4/1/2029 $2,370.25 5/1/1999 $326,900 $326,900.00 $326,675.03
22884407 7.5 5/1/1999 4/1/2029 $2,114.42 5/1/1999 $302,400 $302,400.00 $302,175.58
22884662 7 3/1/1999 2/1/2029 $2,395.09 5/1/1999 $360,000 $359,109.56 $359,109.56
22885065 6.875 5/1/1999 4/1/2029 $1,622.61 5/1/1999 $247,000 $244,936.49 $244,936.49
22885099 7 5/1/1999 4/1/2029 $860.11 5/1/1999 $129,280 $129,280.00 $129,174.02
22885636 6.875 5/1/1999 4/1/2029 $1,970.79 5/1/1999 $300,000 $300,000.00 $299,747.96
22888879 7.375 6/1/1999 5/1/2029 $2,728.17 5/1/1999 $395,000 $395,000.00 $395,000.00
22889323 7.625 5/1/1999 4/1/2029 $2,264.94 5/1/1999 $320,000 $320,000.00 $319,768.39
22890263 7.5 5/1/1999 4/1/2029 $1,994.86 5/1/1999 $285,300 $285,300.00 $285,088.27
22890701 7.25 5/1/1999 4/1/2029 $2,425.14 5/1/1999 $355,500 $355,187.67 $355,187.67
22890776 7.25 5/1/1999 4/1/2029 $2,097.70 5/1/1999 $307,500 $307,500.00 $307,260.11
22890990 7.375 5/1/1999 4/1/2029 $2,099.66 5/1/1999 $304,000 $304,000.00 $303,768.67
22891386 7.125 5/1/1999 4/1/2029 $1,819.05 5/1/1999 $270,000 $270,000.00 $269,784.08
22891535 7.125 5/1/1999 4/1/2029 $2,004.31 5/1/1999 $297,500 $297,500.00 $297,262.10
22891550 7.5 5/1/1999 4/1/2029 $2,158.48 5/1/1999 $308,700 $308,700.00 $308,470.90
22891675 7.25 5/1/1999 4/1/2029 $2,558.16 5/1/1999 $375,000 $375,000.00 $374,707.47
22892558 7.25 5/1/1999 4/1/2029 $2,048.92 5/1/1999 $300,350 $300,115.69 $300,115.69
22892889 7.25 5/1/1999 4/1/2029 $2,370.56 5/1/1999 $347,500 $347,500.00 $347,228.92
22892913 7 5/1/1999 4/1/2029 $3,176.49 5/1/1999 $477,450 $477,058.63 $477,058.63
22892921 7.125 5/1/1999 4/1/2029 $2,378.23 5/1/1999 $353,000 $353,000.00 $352,717.71
22893838 7.5 5/1/1999 4/1/2029 $1,018.48 5/1/1999 $145,660 $145,660.00 $145,551.90
22894109 7.125 5/1/1999 4/1/2029 $1,876.31 5/1/1999 $278,500 $278,500.00 $278,277.28
22894638 7.25 5/1/1999 4/1/2029 $1,789.01 5/1/1999 $262,250 $262,250.00 $262,045.42
22895106 7 5/1/1999 4/1/2029 $1,701.51 5/1/1999 $255,750 $255,750.00 $255,540.37
22895528 7.25 5/1/1999 4/1/2029 $2,182.97 5/1/1999 $320,000 $319,750.36 $319,750.36
22895726 7.375 5/1/1999 4/1/2029 $1,752.93 5/1/1999 $253,800 $253,606.88 $253,606.88
22895940 7.25 5/1/1999 4/1/2029 $2,189.79 5/1/1999 $321,000 $321,000.00 $320,749.59
22896047 7.25 5/1/1999 4/1/2029 $1,331.61 5/1/1999 $195,200 $195,047.72 $195,047.72
22897268 7.125 5/1/1999 4/1/2029 $2,442.23 5/1/1999 $362,500 $362,500.00 $362,210.11
22897425 7.25 5/1/1999 4/1/2029 $1,897.13 5/1/1999 $278,100 $278,100.00 $277,883.06
22897607 7 6/1/1999 5/1/2029 $1,995.91 5/1/1999 $300,000 $300,000.00 $300,000.00
22897698 7 5/1/1999 4/1/2029 $3,257.33 5/1/1999 $489,600 $489,600.00 $489,198.67
22897870 7.5 5/1/1999 4/1/2029 $2,359.85 5/1/1999 $337,500 $337,243.26 $337,243.26
22898712 7 5/1/1999 4/1/2029 $2,991.21 5/1/1999 $449,600 $449,600.00 $449,231.46
22898753 7.25 5/1/1999 4/1/2029 $1,855.52 5/1/1999 $272,000 $272,000.00 $271,787.81
22898829 7.125 5/1/1999 4/1/2029 $1,913.36 5/1/1999 $284,000 $284,000.00 $283,772.89
22899033 6.875 6/1/1999 5/1/2029 $1,907.72 5/1/1999 $290,400 $290,400.00 $290,400.00
22899603 7.125 5/1/1999 4/1/2029 $1,642.19 5/1/1999 $243,750 $243,750.00 $243,555.08
22900310 7.5 5/1/1999 4/1/2029 $1,875.65 5/1/1999 $268,250 $268,250.00 $268,050.91
22900419 6.875 5/1/1999 4/1/2029 $1,970.79 5/1/1999 $300,000 $299,747.96 $299,747.96
22900773 6.625 5/1/1999 4/1/2029 $1,690.42 5/1/1999 $264,000 $263,767.08 $263,767.08
22901193 7 5/1/1999 4/1/2029 $2,049.13 5/1/1999 $308,000 $308,000.00 $307,747.54
22901672 7 5/1/1999 4/1/2029 $3,078.35 5/1/1999 $462,700 $462,700.00 $462,320.73
22901680 7.375 5/1/1999 4/1/2029 $2,381.45 5/1/1999 $344,800 $344,800.00 $344,537.63
22901979 7.25 5/1/1999 4/1/2029 $1,888.95 5/1/1999 $276,900 $276,683.99 $276,683.99
22903314 7.5 5/1/1999 4/1/2029 $2,304.62 5/1/1999 $329,600 $329,105.38 $329,105.38
22904254 7.25 5/1/1999 4/1/2029 $2,019.24 5/1/1999 $296,000 $296,000.00 $295,769.09
22904312 7.25 3/1/1999 2/1/2029 $1,911.80 5/1/1999 $280,250 $279,699.10 $279,477.15
22904965 7.25 5/1/1999 4/1/2029 $1,889.63 5/1/1999 $277,000 $277,000.00 $276,783.91
22905285 7.125 5/1/1999 4/1/2029 $2,614.03 5/1/1999 $388,000 $388,000.00 $387,689.72
22905467 7.125 5/1/1999 4/1/2029 $3,167.82 5/1/1999 $470,200 $470,200.00 $469,823.99
22907539 6.875 5/1/1999 4/1/2029 $1,724.44 5/1/1999 $262,500 $262,500.00 $262,279.47
22907885 7.125 5/1/1999 4/1/2029 $2,826.25 5/1/1999 $419,500 $419,500.00 $419,164.53
22908081 7.25 5/1/1999 4/1/2029 $1,899.18 5/1/1999 $278,400 $278,400.00 $278,182.82
22908396 7 5/1/1999 4/1/2029 $1,827.59 5/1/1999 $274,700 $274,700.00 $274,474.83
22908537 7.25 5/1/1999 4/1/2029 $2,302.35 5/1/1999 $337,500 $337,236.71 $337,236.71
22908586 7 5/1/1999 4/1/2029 $2,266.69 5/1/1999 $340,700 $340,320.73 $340,320.73
22909154 6.875 5/1/1999 4/1/2029 $1,822.32 5/1/1999 $277,400 $277,166.95 $277,166.95
22909485 7.125 5/1/1999 4/1/2029 $2,128.95 5/1/1999 $316,000 $316,000.00 $315,747.30
22909907 7.375 6/1/1999 5/1/2029 $2,072.03 5/1/1999 $300,000 $300,000.00 $300,000.00
22910137 7.125 6/1/1999 5/1/2029 $1,967.93 5/1/1999 $292,100 $292,100.00 $292,100.00
22910152 6.875 5/1/1999 4/1/2029 $1,669.42 5/1/1999 $254,125 $253,911.50 $253,911.50
22910228 7.125 5/1/1999 4/1/2029 $1,940.31 5/1/1999 $288,000 $288,000.00 $287,769.69
22910665 7.625 5/1/1999 4/1/2029 $1,804.87 5/1/1999 $255,000 $255,000.00 $254,815.44
22910699 7.5 5/1/1999 4/1/2029 $2,071.42 5/1/1999 $296,250 $296,250.00 $296,030.14
22910814 6.875 3/1/1999 2/1/2029 $3,218.96 5/1/1999 $490,000 $489,174.30 $488,757.90
22911457 6.875 5/1/1999 4/1/2029 $2,680.27 5/1/1999 $408,000 $407,657.23 $407,657.23
22911523 7.25 5/1/1999 4/1/2029 $3,936.16 5/1/1999 $577,000 $577,000.00 $576,549.88
22911614 7.25 6/1/1999 5/1/2029 $2,715.06 5/1/1999 $398,000 $398,000.00 $398,000.00
22911663 7.125 5/1/1999 4/1/2029 $2,155.90 5/1/1999 $320,000 $320,000.00 $319,744.10
22911861 7 5/1/1999 4/1/2029 $1,995.91 5/1/1999 $300,000 $300,000.00 $299,754.09
22912026 7 5/1/1999 4/1/2029 $2,744.37 5/1/1999 $412,500 $412,500.00 $412,161.88
22912034 7.375 5/1/1999 4/1/2029 $3,847.06 5/1/1999 $557,000 $557,000.00 $556,576.17
22912240 7 5/1/1999 4/1/2029 $1,716.48 5/1/1999 $258,000 $258,000.00 $257,788.52
22912596 7.375 5/1/1999 4/1/2029 $1,864.83 5/1/1999 $270,000 $270,000.00 $269,794.55
22912950 7.375 6/1/1999 5/1/2029 $1,788.85 5/1/1999 $259,000 $259,000.00 $259,000.00
22913172 7.25 5/1/1999 4/1/2029 $2,124.98 5/1/1999 $311,500 $311,500.00 $311,257.00
22913826 7.125 5/1/1999 4/1/2029 $1,951.09 5/1/1999 $289,600 $289,600.00 $289,368.41
22914147 7 6/1/1999 5/1/2029 $1,673.57 5/1/1999 $251,550 $251,550.00 $251,550.00
22914444 7.125 5/1/1999 4/1/2029 $1,697.77 5/1/1999 $252,000 $250,847.26 $250,847.26
22915078 7.125 5/1/1999 4/1/2029 $2,220.58 5/1/1999 $329,600 $329,600.00 $329,336.42
22915219 7.125 5/1/1999 4/1/2029 $1,896.86 5/1/1999 $281,550 $281,550.00 $281,324.84
22915342 7.375 5/1/1999 4/1/2029 $2,538.23 5/1/1999 $367,500 $367,500.00 $367,220.36
22915532 6.625 4/1/1999 3/1/2029 $2,253.39 5/1/1999 $351,920 $351,609.50 $351,297.29
22915557 7 4/1/1999 3/1/2029 $2,392.05 5/1/1999 $359,543 $358,597.73 $358,597.73
22916225 7.25 5/1/1999 4/1/2029 $2,377.38 5/1/1999 $348,500 $348,500.00 $348,228.14
22917629 7.25 5/1/1999 4/1/2029 $2,033.57 5/1/1999 $298,100 $297,867.45 $297,867.45
22917710 7.125 5/1/1999 4/1/2029 $1,844.30 5/1/1999 $273,750 $273,750.00 $273,531.09
22918791 7 5/1/1999 4/1/2029 $2,091.71 5/1/1999 $314,400 $314,400.00 $314,142.29
22918981 7.25 5/1/1999 4/1/2029 $2,046.53 5/1/1999 $300,000 $300,000.00 $299,765.97
22919021 7.25 5/1/1999 4/1/2029 $3,641.46 5/1/1999 $533,800 $533,800.00 $533,383.58
22919120 7.375 5/1/1999 4/1/2029 $1,989.14 5/1/1999 $288,000 $288,000.00 $287,780.86
22919161 7.125 5/1/1999 4/1/2029 $2,843.10 5/1/1999 $422,000 $422,000.00 $421,662.53
22919237 6.875 5/1/1999 4/1/2029 $1,747.76 5/1/1999 $266,050 $266,050.00 $265,826.48
22919294 7.125 5/1/1999 4/1/2029 $499.90 5/1/1999 $74,200 $74,200.00 $74,140.66
22919567 6.5 5/1/1999 4/1/2029 $2,307.05 5/1/1999 $365,000 $365,000.00 $364,670.03
22920359 6.875 5/1/1999 4/1/2029 $1,837.70 5/1/1999 $279,740 $279,740.00 $279,504.98
22920664 7.25 5/1/1999 4/1/2029 $2,148.86 5/1/1999 $315,000 $315,000.00 $314,754.27
22921027 7.5 5/1/1999 4/1/2029 $2,684.99 5/1/1999 $384,000 $384,000.00 $383,715.01
22921290 7.25 5/1/1999 4/1/2029 $3,435.44 5/1/1999 $503,600 $503,600.00 $503,207.14
22922082 7.375 5/1/1999 4/1/2029 $1,933.90 5/1/1999 $280,000 $280,000.00 $279,786.93
22925341 7 6/1/1999 5/1/2029 $4,324.47 5/1/1999 $650,000 $650,000.00 $650,000.00
22926406 7.125 5/1/1999 4/1/2029 $1,868.56 5/1/1999 $277,350 $277,350.00 $277,128.21
22926455 7.125 5/1/1999 4/1/2029 $2,542.45 5/1/1999 $377,375 $377,375.00 $377,073.21
22926521 7 5/1/1999 4/1/2029 $1,958.66 5/1/1999 $294,400 $294,400.00 $294,158.67
22927479 7.25 5/1/1999 4/1/2029 $4,434.15 5/1/1999 $650,000 $650,000.00 $649,492.93
22927503 7 6/1/1999 5/1/2029 $2,062.44 5/1/1999 $310,000 $310,000.00 $310,000.00
22928626 7 5/1/1999 4/1/2029 $1,889.46 5/1/1999 $284,000 $284,000.00 $283,767.21
22929301 7.25 6/1/1999 5/1/2029 $1,800.95 5/1/1999 $264,000 $264,000.00 $264,000.00
22929350 7.125 5/1/1999 4/1/2029 $1,694.07 5/1/1999 $251,450 $251,248.91 $251,248.91
22930333 7.125 5/1/1999 4/1/2029 $741.09 5/1/1999 $110,000 $109,912.04 $109,912.04
22931398 7.375 5/1/1999 4/1/2029 $2,227.43 5/1/1999 $322,500 $322,500.00 $322,254.60
22932289 7 5/1/1999 4/1/2029 $2,101.69 5/1/1999 $315,900 $315,900.00 $315,641.06
22932974 6.875 5/1/1999 4/1/2029 $1,700.14 5/1/1999 $258,800 $258,800.00 $258,582.57
22933691 7 5/1/1999 4/1/2029 $2,267.36 5/1/1999 $340,800 $340,800.00 $340,520.64
22934780 7.125 5/1/1999 4/1/2029 $1,920.10 5/1/1999 $285,000 $285,000.00 $284,772.09
22936272 7.5 5/1/1999 4/1/2029 $1,906.76 5/1/1999 $272,700 $272,700.00 $272,497.62
22936363 7.125 5/1/1999 4/1/2029 $2,054.84 5/1/1999 $305,000 $305,000.00 $304,756.10
22937031 7.5 5/1/1999 4/1/2029 $2,167.56 5/1/1999 $310,000 $310,000.00 $309,769.94
22937395 7 6/1/1999 5/1/2029 $2,522.83 5/1/1999 $379,200 $379,200.00 $379,200.00
22937676 7 5/1/1999 4/1/2029 $2,829.54 5/1/1999 $425,300 $425,300.00 $424,951.38
22937718 7.25 5/1/1999 4/1/2029 $2,564.98 5/1/1999 $376,000 $376,000.00 $375,706.69
22937783 7 5/1/1999 4/1/2029 $1,823.93 5/1/1999 $274,150 $274,150.00 $273,925.28
22937833 7.25 5/1/1999 4/1/2029 $2,701.42 5/1/1999 $396,000 $396,000.00 $395,691.08
22937924 7.25 5/1/1999 4/1/2029 $2,081.32 5/1/1999 $305,100 $305,100.00 $304,861.99
22942098 7 5/1/1999 4/1/2029 $1,857.52 5/1/1999 $279,200 $279,200.00 $278,971.15
22942262 6.875 6/1/1999 5/1/2029 $2,824.79 5/1/1999 $430,000 $430,000.00 $430,000.00
22943484 7.25 5/1/1999 4/1/2029 $1,724.27 5/1/1999 $252,760 $252,760.00 $252,562.82
22943492 6.875 5/1/1999 4/1/2029 $2,969.32 5/1/1999 $452,000 $452,000.00 $451,620.26
22943542 7.375 5/1/1999 4/1/2029 $2,678.09 5/1/1999 $387,750 $387,750.00 $387,454.96
22944490 7.25 6/1/1999 5/1/2029 $2,059.90 5/1/1999 $301,960 $301,960.00 $301,960.00
22944847 7.25 6/1/1999 5/1/2029 $2,335.77 5/1/1999 $342,400 $342,400.00 $342,400.00
22945273 7.125 6/1/1999 5/1/2029 $2,407.87 5/1/1999 $357,400 $357,400.00 $357,400.00
22945281 6.5 5/1/1999 4/1/2029 $2,591.48 5/1/1999 $410,000 $410,000.00 $409,629.35
22946164 7 5/1/1999 4/1/2029 $2,655.89 5/1/1999 $399,200 $399,200.00 $398,872.78
22946271 7.25 6/1/1999 5/1/2029 $2,592.27 5/1/1999 $380,000 $380,000.00 $380,000.00
22946784 7.25 5/1/1999 4/1/2029 $1,773.66 5/1/1999 $260,000 $260,000.00 $259,797.17
22946842 7.25 5/1/1999 4/1/2029 $1,944.21 5/1/1999 $285,000 $285,000.00 $284,777.67
22946891 7.125 5/1/1999 4/1/2029 $3,336.25 5/1/1999 $495,200 $495,200.00 $494,804.00
22947840 7.25 5/1/1999 4/1/2029 $2,723.25 5/1/1999 $399,200 $399,200.00 $398,888.58
22948442 7 5/1/1999 4/1/2029 $1,809.62 5/1/1999 $272,000 $272,000.00 $271,777.05
22948798 7 5/1/1999 4/1/2029 $2,195.50 5/1/1999 $330,000 $329,729.50 $329,729.50
22952477 7.125 5/1/1999 4/1/2029 $1,751.67 5/1/1999 $260,000 $260,000.00 $259,792.08
22955561 6.75 6/1/1999 5/1/2029 $1,848.50 5/1/1999 $285,000 $285,000.00 $285,000.00
22955777 7.125 5/1/1999 4/1/2029 $3,705.45 5/1/1999 $550,000 $550,000.00 $549,560.18
22956833 7 5/1/1999 4/1/2029 $3,991.81 5/1/1999 $600,000 $600,000.00 $599,508.19
22957088 7.125 5/1/1999 4/1/2029 $3,594.29 5/1/1999 $533,500 $533,500.00 $533,073.37
22957872 7.25 5/1/1999 4/1/2029 $2,837.85 5/1/1999 $416,000 $416,000.00 $415,675.48
22959076 6.875 5/1/1999 4/1/2029 $2,569.91 5/1/1999 $391,200 $391,200.00 $390,871.34
22959456 7.125 6/1/1999 5/1/2029 $1,906.63 5/1/1999 $283,000 $283,000.00 $283,000.00
22960652 7.25 6/1/1999 5/1/2029 $1,746.37 5/1/1999 $256,000 $256,000.00 $256,000.00
22962955 6.875 6/1/1999 5/1/2029 $2,028.60 5/1/1999 $308,800 $308,800.00 $308,800.00
22967319 6.875 5/1/1999 4/1/2029 $2,286.12 5/1/1999 $348,000 $348,000.00 $347,707.63
22967327 6.875 5/1/1999 4/1/2029 $2,540.68 5/1/1999 $386,750 $386,750.00 $386,425.08
22967350 7.25 5/1/1999 4/1/2029 $3,056.15 5/1/1999 $448,000 $447,650.52 $447,650.52
22969042 6.625 6/1/1999 5/1/2029 $2,945.43 5/1/1999 $460,000 $460,000.00 $460,000.00
22969521 7 5/1/1999 4/1/2029 $2,259.37 5/1/1999 $339,600 $339,600.00 $339,321.63
22969620 7.375 5/1/1999 4/1/2029 $1,947.71 5/1/1999 $282,000 $282,000.00 $281,785.42
22970206 6.625 5/1/1999 4/1/2029 $1,952.95 5/1/1999 $305,000 $305,000.00 $304,730.90
22971584 7.25 6/1/1999 5/1/2029 $2,094.28 5/1/1999 $307,000 $307,000.00 $307,000.00
22981740 7.625 4/1/1999 3/1/2029 $1,868.58 5/1/1999 $264,000 $263,808.92 $263,616.63
22982235 6.625 4/1/1999 3/1/2029 $1,837.69 5/1/1999 $287,000 $286,746.78 $286,492.17
22982284 7 4/1/1999 3/1/2029 $1,715.15 5/1/1999 $257,800 $257,588.68 $257,376.13
22982375 7.125 4/1/1999 3/1/2029 $2,425.39 5/1/1999 $360,000 $359,712.11 $359,422.51
22982458 7 4/1/1999 3/1/2029 $2,062.44 5/1/1999 $310,000 $309,745.89 $309,490.30
22982490 6.75 5/1/1999 4/1/2029 $1,865.69 5/1/1999 $287,650 $287,650.00 $287,402.34
22982557 7.375 3/1/1999 2/1/2029 $1,958.75 5/1/1999 $283,600 $283,167.07 $282,948.62
22982599 6.875 5/1/1999 4/1/2029 $1,872.25 5/1/1999 $285,000 $285,000.00 $284,760.56
22983613 7.5 6/1/1999 5/1/2029 $2,228.75 5/1/1999 $318,750 $318,750.00 $318,750.00
22984843 7.125 3/1/1999 2/1/2029 $2,317.59 5/1/1999 $344,000 $343,448.19 $343,169.82
22984959 7.375 5/1/1999 4/1/2029 $2,856.63 5/1/1999 $413,600 $413,600.00 $413,285.29
22985048 7.25 3/1/1999 2/1/2029 $2,204.79 5/1/1999 $323,200 $322,694.21 $322,439.03
22985089 7.25 4/1/1999 3/1/2029 $1,800.95 5/1/1999 $264,000 $263,794.05 $263,586.86
22985139 6.875 4/1/1999 3/1/2029 $1,729.37 5/1/1999 $263,250 $263,028.83 $262,806.40
22985154 6.75 5/1/1999 4/1/2029 $2,652.77 5/1/1999 $409,000 $409,000.00 $408,647.86
22985220 7.5 1/1/1999 12/1/2028 $2,490.95 5/1/1999 $356,250 $355,182.45 $354,911.39
22985618 6.875 4/1/1999 3/1/2029 $2,052.90 5/1/1999 $312,500 $312,237.45 $311,973.41
22985626 7.125 4/1/1999 3/1/2029 $2,300.75 5/1/1999 $341,500 $341,226.91 $340,952.19
22985634 6.875 4/1/1999 3/1/2029 $3,048.15 5/1/1999 $464,000 $463,610.18 $463,218.13
22986301 7.125 3/1/1999 2/1/2029 $1,778.96 5/1/1999 $264,050 $263,626.42 $263,412.74
22986343 6.75 4/1/1999 3/1/2029 $2,539.26 5/1/1999 $391,500 $391,162.93 $390,823.96
22986467 6.875 4/1/1999 3/1/2029 $4,178.07 5/1/1999 $636,000 $635,465.68 $634,928.30
22987366 7.75 3/1/1999 2/1/2029 $1,880.22 5/1/1999 $262,450 $262,078.32 $261,890.69
22987457 7.375 3/1/1999 2/1/2029 $2,048.20 5/1/1999 $296,550 $296,097.31 $295,868.87
22987507 6.5 4/1/1999 3/1/2029 $1,959.41 5/1/1999 $310,000 $309,719.75 $309,437.99
22987523 6.75 4/1/1999 3/1/2029 $2,386.84 5/1/1999 $368,000 $367,683.15 $367,364.53
22987614 7 3/1/1999 2/1/2029 $1,775.03 5/1/1999 $266,800 $265,831.47 $265,607.12
22987705 6.625 4/1/1999 3/1/2029 $1,800.87 5/1/1999 $281,250 $281,001.85 $280,752.34
22987754 7.125 3/1/1999 2/1/2029 $1,724.72 5/1/1999 $256,000 $255,589.34 $255,382.18
22987788 7.25 3/1/1999 2/1/2029 $2,401.26 5/1/1999 $352,000 $351,449.14 $351,171.22
22987887 7.25 4/1/1999 3/1/2019 $2,137.97 5/1/1999 $270,500 $269,996.30 $269,489.56
22987945 7.125 5/1/1999 4/1/2029 $1,768.51 5/1/1999 $262,500 $262,500.00 $262,290.08
22987986 7 5/1/1999 4/1/2029 $1,753.07 5/1/1999 $263,500 $263,500.00 $263,284.01
22988034 7 5/1/1999 4/1/2029 $3,093.66 5/1/1999 $465,000 $465,000.00 $464,618.84
22988166 6.5 4/1/1999 3/1/2029 $1,845.64 5/1/1999 $292,000 $291,736.03 $291,470.63
22988190 7 5/1/1999 4/1/2029 $2,148.93 5/1/1999 $323,000 $323,000.00 $322,735.24
22988208 6.875 5/1/1999 4/1/2029 $2,135.02 5/1/1999 $325,000 $325,000.00 $324,726.96
22988224 6.875 3/1/1999 2/1/2029 $1,763.85 5/1/1999 $268,500 $267,413.18 $267,181.38
22988257 7 3/1/1999 2/1/2029 $2,953.94 5/1/1999 $444,000 $443,269.98 $442,901.78
22988273 7 5/1/1999 4/1/2029 $1,703.17 5/1/1999 $256,000 $256,000.00 $255,790.16
22988315 7.125 4/1/1999 3/1/2029 $1,816.35 5/1/1999 $269,600 $269,384.40 $269,167.52
22988323 7 5/1/1999 4/1/2029 $1,962.64 5/1/1999 $295,000 $295,000.00 $294,758.19
22991657 6.75 5/1/1999 4/1/2029 $2,464.67 5/1/1999 $380,000 $380,000.00 $379,672.83
22991806 7 5/1/1999 4/1/2029 $2,245.40 5/1/1999 $337,500 $337,500.00 $337,223.35
22991913 6.875 4/1/1999 3/1/2029 $1,599.62 5/1/1999 $243,500 $243,295.42 $243,089.68
22992010 7.125 4/1/1999 3/1/2029 $1,741.56 5/1/1999 $258,500 $258,293.27 $258,085.33
22992077 7 4/1/1999 3/1/2029 $2,282.99 5/1/1999 $343,150 $342,868.72 $342,585.80
22992085 7 5/1/1999 4/1/2029 $1,995.91 5/1/1999 $300,000 $300,000.00 $299,754.09
22992119 7.375 5/1/1999 4/1/2029 $2,099.65 5/1/1999 $304,000 $304,000.00 $303,768.68
22992150 7.125 5/1/1999 4/1/2029 $2,627.50 5/1/1999 $390,000 $390,000.00 $389,688.13
22992184 6.875 3/1/1999 2/1/2029 $1,741.52 5/1/1999 $265,100 $264,653.29 $264,428.01
26086389 7 6/1/1999 5/1/2029 $3,393.05 5/1/1999 $510,000 $510,000.00 $510,000.00
27122431 7.375 6/1/1999 5/1/2029 $2,034.04 5/1/1999 $294,500 $294,500.00 $294,500.00
27134303 6.5 6/1/1999 5/1/2029 $2,679.97 5/1/1999 $424,000 $424,000.00 $424,000.00
27283761 7.125 6/1/1999 5/1/2029 $1,974.00 5/1/1999 $293,000 $293,000.00 $293,000.00
27303742 6.75 5/1/1999 4/1/2029 $1,913.37 5/1/1999 $295,000 $295,000.00 $294,746.01
27320605 7.25 6/1/1999 5/1/2029 $1,671.34 5/1/1999 $245,000 $245,000.00 $245,000.00
27505478 7 5/1/1999 4/1/2029 $1,663.26 5/1/1999 $250,000 $250,000.00 $249,795.07
27532233 7.125 5/1/1999 4/1/2029 $2,930.68 5/1/1999 $435,000 $435,000.00 $434,652.13
27552975 7.25 5/1/1999 4/1/2029 $3,219.88 5/1/1999 $472,000 $472,000.00 $471,631.79
27555366 7.25 5/1/1999 4/1/2029 $2,455.84 5/1/1999 $360,000 $359,719.16 $359,719.16
27555887 7.375 6/1/1999 5/1/2029 $2,127.28 5/1/1999 $308,000 $308,000.00 $308,000.00
27566447 7 5/1/1999 4/1/2029 $4,324.47 5/1/1999 $650,000 $650,000.00 $649,467.20
27576537 7.625 5/1/1999 4/1/2029 $2,767.48 5/1/1999 $391,000 $391,000.00 $390,717.00
27586411 7.375 5/1/1999 4/1/2029 $2,906.37 5/1/1999 $420,800 $420,479.80 $420,479.80
27593664 7.375 5/1/1999 4/1/2029 $1,831.68 5/1/1999 $265,200 $264,998.19 $264,998.19
27600279 7.125 5/1/1999 4/1/2029 $2,155.90 5/1/1999 $320,000 $320,000.00 $319,744.10
27623073 7.125 4/1/1999 3/1/2029 $3,361.86 5/1/1999 $499,000 $498,600.95 $498,199.53
27625045 7.125 5/1/1999 4/1/2029 $2,096.62 5/1/1999 $311,200 $311,200.00 $310,951.13
27625060 7.125 5/1/1999 4/1/2029 $2,593.82 5/1/1999 $385,000 $384,692.12 $384,692.12
27625292 7.125 5/1/1999 4/1/2029 $1,835.89 5/1/1999 $272,500 $272,500.00 $272,282.08
27625631 7.125 5/1/1999 4/1/2029 $1,746.69 5/1/1999 $259,260 $259,260.00 $259,052.67
27652346 7 5/1/1999 4/1/2029 $3,805.53 5/1/1999 $572,000 $572,000.00 $571,531.14
27655638 7.375 5/1/1999 4/1/2029 $2,527.88 5/1/1999 $366,000 $366,000.00 $365,721.50
27657691 6.75 5/1/1999 4/1/2029 $1,972.39 5/1/1999 $304,100 $304,100.00 $303,838.17
27682517 7.25 5/1/1999 4/1/2029 $1,964.67 5/1/1999 $288,000 $288,000.00 $287,775.33
27688332 7.25 5/1/1999 4/1/2029 $1,875.99 5/1/1999 $275,000 $273,000.00 $272,773.39
27697952 7 5/1/1999 4/1/2029 $2,128.97 5/1/1999 $320,000 $320,000.00 $319,737.70
27700608 7.125 5/1/1999 4/1/2029 $2,401.81 5/1/1999 $356,500 $356,500.00 $356,214.91
27702539 7 5/1/1999 4/1/2029 $1,729.79 5/1/1999 $260,000 $260,000.00 $259,786.88
27703040 7.25 5/1/1999 4/1/2029 $1,075.11 5/1/1999 $157,600 $157,477.06 $157,477.06
27705797 7.125 5/1/1999 4/1/2029 $2,538.58 5/1/1999 $376,800 $376,800.00 $376,498.67
27706399 7.125 5/1/1999 4/1/2029 $1,856.10 5/1/1999 $275,500 $275,500.00 $275,279.68
27713635 7.25 5/1/1999 4/1/2029 $2,373.98 5/1/1999 $348,000 $348,000.00 $347,728.52
27721273 7 5/1/1999 4/1/2029 $2,607.99 5/1/1999 $392,000 $391,678.68 $391,678.68
27725647 7.125 5/1/1999 4/1/2029 $2,324.33 5/1/1999 $345,000 $345,000.00 $344,724.11
27737188 7.25 5/1/1999 4/1/2029 $2,081.32 5/1/1999 $305,100 $305,100.00 $304,861.99
27738830 6.625 5/1/1999 4/1/2029 $1,695.17 5/1/1999 $264,741 $264,741.00 $264,507.42
27742824 7.25 5/1/1999 4/1/2029 $2,114.75 5/1/1999 $310,000 $310,000.00 $309,758.17
27744465 6.75 4/1/1999 3/1/2029 $3,236.51 5/1/1999 $499,000 $496,806.88 $496,364.91
27744648 7.375 5/1/1999 4/1/2029 $2,900.84 5/1/1999 $420,000 $420,000.00 $419,680.41
27745751 6.5 5/1/1999 4/1/2029 $1,872.19 5/1/1999 $296,200 $296,200.00 $295,932.23
27750934 7.125 5/1/1999 4/1/2029 $2,095.27 5/1/1999 $311,000 $311,000.00 $310,751.29
27756824 6.875 5/1/1999 4/1/2029 $1,642.33 5/1/1999 $250,000 $250,000.00 $249,789.96
27758804 7.25 5/1/1999 4/1/2029 $2,182.97 5/1/1999 $320,000 $319,750.36 $319,750.36
27760149 6.75 5/1/1999 4/1/2029 $1,686.36 5/1/1999 $260,000 $260,000.00 $259,776.14
27764927 7.125 5/1/1999 4/1/2029 $2,238.77 5/1/1999 $332,300 $332,300.00 $332,034.26
27766138 7.375 5/1/1999 4/1/2029 $1,768.13 5/1/1999 $256,000 $256,000.00 $255,805.20
27766690 7 6/1/1999 5/1/2029 $1,975.95 5/1/1999 $297,000 $297,000.00 $297,000.00
27770783 7.125 4/1/1999 3/1/2029 $2,248.20 5/1/1999 $333,700 $333,181.34 $332,911.40
27771120 7.375 5/1/1999 4/1/2029 $2,237.17 5/1/1999 $323,910 $323,910.00 $323,663.53
27774033 7.125 5/1/1999 4/1/2029 $2,694.88 5/1/1999 $400,000 $400,000.00 $399,680.12
27774082 7 5/1/1999 4/1/2029 $3,659.17 5/1/1999 $550,000 $549,549.16 $549,549.16
27774413 7.125 5/1/1999 4/1/2029 $2,223.28 5/1/1999 $330,000 $329,478.42 $329,478.42
27781822 6.875 5/1/1999 4/1/2029 $2,003.64 5/1/1999 $305,000 $304,743.76 $304,743.76
27782010 7.125 5/1/1999 4/1/2029 $3,907.57 5/1/1999 $580,000 $579,536.18 $579,536.18
27783257 7.125 5/1/1999 6/1/2029 $2,432.80 5/1/1999 $361,100 $361,100.00 $360,811.23
27783786 7.125 5/1/1999 4/1/2029 $1,617.46 5/1/1999 $240,080 $239,888.02 $239,888.02
27796937 7 5/1/1999 4/1/2029 $1,687.88 5/1/1999 $253,700 $253,700.00 $253,492.04
27799568 7.375 5/1/1999 4/1/2029 $1,942.53 5/1/1999 $281,250 $281,250.00 $281,035.99
27800929 6.875 5/1/1999 4/1/2029 $2,601.44 5/1/1999 $396,000 $396,000.00 $395,667.31
27802180 6.75 5/1/1999 4/1/2029 $1,670.12 5/1/1999 $257,496 $257,496.00 $257,274.30
27802966 6.75 5/1/1999 4/1/2029 $3,528.38 5/1/1999 $544,000 $544,000.00 $543,531.62
27805084 7.25 5/1/1999 4/1/2029 $1,424.39 5/1/1999 $208,800 $208,577.62 $208,577.62
27805852 7.25 6/1/1999 5/1/2029 $2,496.77 5/1/1999 $366,000 $366,000.00 $366,000.00
27806074 7 5/1/1999 4/1/2029 $2,521.50 5/1/1999 $379,000 $379,000.00 $378,689.33
27806116 7.25 5/1/1999 4/1/2029 $1,848.70 5/1/1999 $271,000 $271,000.00 $270,788.59
27806587 6.625 5/1/1999 4/1/2029 $1,920.94 5/1/1999 $300,000 $300,000.00 $299,735.31
27809326 6.625 5/1/1999 4/1/2029 $3,201.56 5/1/1999 $500,000 $499,558.86 $499,558.86
27812551 7.125 5/1/1999 4/1/2029 $2,681.40 5/1/1999 $398,000 $398,000.00 $397,681.73
27817980 6.875 5/1/1999 4/1/2029 $1,775.81 5/1/1999 $270,320 $270,320.00 $270,092.90
27818509 7.125 5/1/1999 4/1/2029 $1,858.12 5/1/1999 $275,800 $274,985.31 $274,985.31
27820570 6.75 5/1/1999 4/1/2029 $2,594.40 5/1/1999 $400,000 $400,000.00 $399,655.60
27821321 6.875 5/1/1999 4/1/2029 $2,135.02 5/1/1999 $325,000 $325,000.00 $324,726.96
27822725 6.75 5/1/1999 4/1/2029 $4,125.09 5/1/1999 $636,000 $636,000.00 $635,452.41
27823293 7.375 5/1/1999 4/1/2029 $1,726.69 5/1/1999 $250,000 $250,000.00 $249,809.77
27823806 7.25 5/1/1999 4/1/2029 $1,756.61 5/1/1999 $257,500 $257,299.12 $257,299.12
27824630 7 5/1/1999 4/1/2029 $1,706.51 5/1/1999 $256,500 $256,248.52 $256,248.52
27824705 6.875 5/1/1999 4/1/2029 $2,016.78 5/1/1999 $307,000 $306,258.85 $306,258.85
27830926 7.125 5/1/1999 4/1/2029 $3,359.84 5/1/1999 $498,700 $498,700.00 $498,301.19
27831064 6.625 5/1/1999 4/1/2029 $2,283.16 5/1/1999 $356,570 $356,570.00 $356,255.40
27831452 7.375 5/1/1999 4/1/2029 $2,479.53 5/1/1999 $359,000 $359,000.00 $358,726.82
27831551 7 5/1/1999 4/1/2029 $3,492.84 5/1/1999 $525,000 $525,000.00 $524,569.66
27832617 7 5/1/1999 4/1/2029 $1,831.25 5/1/1999 $275,250 $275,250.00 $275,024.38
27834738 6.875 5/1/1999 4/1/2029 $2,233.56 5/1/1999 $340,000 $340,000.00 $339,714.36
27839182 7.125 5/1/1999 4/1/2029 $2,896.99 5/1/1999 $430,000 $429,656.14 $429,656.14
27839349 7.25 6/1/1999 5/1/2029 $2,182.97 5/1/1999 $320,000 $320,000.00 $320,000.00
27841147 7 5/1/1999 4/1/2029 $1,990.59 5/1/1999 $299,200 $298,954.74 $298,954.74
27842368 7 5/1/1999 4/1/2029 $1,649.96 5/1/1999 $248,000 $248,000.00 $247,796.71
27842590 7.125 5/1/1999 4/1/2029 $2,088.53 5/1/1999 $310,000 $310,000.00 $309,752.10
27844877 7.375 6/1/1999 5/1/2029 $1,968.43 5/1/1999 $285,000 $285,000.00 $285,000.00
27845007 7.375 5/1/1999 4/1/2029 $3,254.47 5/1/1999 $471,200 $471,200.00 $470,841.45
27845866 7.375 5/1/1999 4/1/2029 $3,315.25 5/1/1999 $480,000 $479,634.75 $479,634.75
27847987 7.25 5/1/1999 4/1/2029 $2,124.98 5/1/1999 $311,500 $311,500.00 $311,257.00
27848548 7 5/1/1999 4/1/2029 $3,080.36 5/1/1999 $463,000 $463,000.00 $462,620.47
27848829 7.25 5/1/1999 4/1/2029 $2,524.06 5/1/1999 $370,000 $370,000.00 $369,711.36
27849447 7 5/1/1999 4/1/2029 $3,867.08 5/1/1999 $581,250 $581,250.00 $580,773.55
27850734 7 5/1/1999 4/1/2029 $2,195.50 5/1/1999 $330,000 $330,000.00 $329,729.50
27850999 7 5/1/1999 4/1/2029 $2,561.42 5/1/1999 $385,000 $385,000.00 $384,684.41
27851203 6.75 5/1/1999 4/1/2029 $1,718.79 5/1/1999 $265,000 $265,000.00 $264,771.84
27853779 7.125 5/1/1999 4/1/2029 $1,894.84 5/1/1999 $281,250 $281,250.00 $281,025.08
27854124 6.875 6/1/1999 5/1/2029 $2,181.01 5/1/1999 $332,000 $332,000.00 $332,000.00
27855055 7.25 5/1/1999 4/1/2029 $1,760.02 5/1/1999 $258,000 $258,000.00 $257,798.73
27855139 7.125 5/1/1999 4/1/2029 $1,744.09 5/1/1999 $258,875 $257,921.10 $257,921.10
27855543 7.125 5/1/1999 4/1/2029 $2,223.28 5/1/1999 $330,000 $330,000.00 $329,736.10
27856855 6.75 6/1/1999 5/1/2029 $1,997.69 5/1/1999 $308,000 $308,000.00 $308,000.00
27856939 7 5/1/1999 4/1/2029 $2,309.94 5/1/1999 $347,200 $347,200.00 $346,915.39
27858299 7 5/1/1999 4/1/2029 $2,128.97 5/1/1999 $320,000 $320,000.00 $319,737.70
27858356 6.875 6/1/1999 5/1/2029 $2,311.87 5/1/1999 $351,920 $351,920.00 $351,920.00
27859099 7 5/1/1999 4/1/2029 $4,144.84 5/1/1999 $623,000 $622,489.33 $622,489.33
27859453 7.25 5/1/1999 4/1/2029 $1,867.46 5/1/1999 $273,750 $273,536.45 $273,536.45
27859487 7.125 5/1/1999 4/1/2029 $2,839.73 5/1/1999 $421,500 $421,162.93 $421,162.93
27859586 7.25 5/1/1999 4/1/2029 $1,875.99 5/1/1999 $275,000 $275,000.00 $274,785.47
27862705 7.375 5/1/1999 4/1/2029 $2,106.91 5/1/1999 $305,050 $305,050.00 $304,817.88
27864685 7 5/1/1999 4/1/2029 $2,480.25 5/1/1999 $372,800 $372,494.42 $372,494.42
27865146 7.375 5/1/1999 4/1/2029 $2,016.78 5/1/1999 $292,000 $291,694.58 $291,694.58
27865203 7.125 5/1/1999 4/1/2029 $2,021.16 5/1/1999 $300,000 $300,000.00 $299,760.09
27865393 6.75 6/1/1999 5/1/2029 $1,878.34 5/1/1999 $289,600 $289,600.00 $289,600.00
27865807 7.125 6/1/1999 5/1/2029 $2,526.45 5/1/1999 $375,000 $375,000.00 $375,000.00
27866185 7.25 5/1/1999 4/1/2029 $1,773.66 5/1/1999 $260,000 $259,797.17 $259,797.17
27867464 6.875 5/1/1999 4/1/2029 $2,102.83 5/1/1999 $320,100 $320,100.00 $319,831.08
27868660 7 5/1/1999 4/1/2029 $2,494.89 5/1/1999 $375,000 $374,692.61 $374,692.61
27869502 7.125 5/1/1999 4/1/2029 $2,587.08 5/1/1999 $384,000 $384,000.00 $383,692.92
27869684 7.125 6/1/1999 5/1/2029 $3,368.60 5/1/1999 $500,000 $500,000.00 $500,000.00
27869759 7.25 5/1/1999 4/1/2029 $2,086.10 5/1/1999 $305,800 $305,800.00 $305,561.44
27869833 7.125 5/1/1999 4/1/2029 $2,435.50 5/1/1999 $361,500 $361,500.00 $361,210.91
27870195 7.25 5/1/1999 4/1/2029 $1,800.95 5/1/1999 $264,000 $264,000.00 $263,794.05
27871268 7 6/1/1999 5/1/2029 $3,539.41 5/1/1999 $532,000 $532,000.00 $532,000.00
27871896 6.5 5/1/1999 4/1/2029 $2,862.64 5/1/1999 $452,900 $452,489.36 $452,489.36
27872324 7.25 5/1/1999 4/1/2029 $3,098.07 5/1/1999 $454,145 $454,145.00 $453,790.72
27873389 7.125 6/1/1999 5/1/2029 $1,731.46 5/1/1999 $257,000 $257,000.00 $257,000.00
27874064 6.625 5/1/1999 4/1/2029 $4,162.03 5/1/1999 $650,000 $650,000.00 $649,426.51
27874130 6.75 5/1/1999 4/1/2029 $2,237.67 5/1/1999 $345,000 $345,000.00 $344,702.96
27874767 7.125 5/1/1999 4/1/2029 $1,670.82 5/1/1999 $248,000 $248,000.00 $247,801.68
27875103 7 5/1/1999 4/1/2029 $2,022.52 5/1/1999 $304,000 $304,000.00 $303,750.81
27875160 6.75 5/1/1999 4/1/2029 $1,945.80 5/1/1999 $300,000 $299,741.70 $299,741.70
27875855 7.375 5/1/1999 4/1/2029 $3,812.53 5/1/1999 $552,000 $551,579.97 $551,579.97
27876119 7 5/1/1999 4/1/2029 $1,889.46 5/1/1999 $284,000 $283,767.21 $283,767.21
27876192 7 6/1/1999 5/1/2029 $3,778.92 5/1/1999 $568,000 $568,000.00 $568,000.00
27876713 7.375 5/1/1999 4/1/2029 $2,527.88 5/1/1999 $366,000 $365,721.49 $365,721.49
27878024 7.125 5/1/1999 4/1/2029 $2,236.75 5/1/1999 $332,000 $332,000.00 $331,734.50
27880012 7.25 5/1/1999 4/1/2029 $2,032.89 5/1/1999 $298,000 $298,000.00 $297,767.53
27880228 7 5/1/1999 4/1/2029 $4,324.47 5/1/1999 $650,000 $649,467.20 $649,467.20
27881267 6.875 5/1/1999 4/1/2029 $2,801.81 5/1/1999 $426,500 $426,500.00 $426,141.68
27881861 7.125 6/1/1999 5/1/2029 $2,733.95 5/1/1999 $405,800 $405,800.00 $405,800.00
27882794 7.25 5/1/1999 4/1/2029 $2,114.75 5/1/1999 $310,000 $310,000.00 $309,758.17
27883917 7.125 5/1/1999 4/1/2029 $2,155.90 5/1/1999 $320,000 $320,000.00 $319,744.10
27884261 7.375 5/1/1999 4/1/2029 $5,145.53 5/1/1999 $745,000 $745,000.00 $744,433.12
27884725 7 5/1/1999 4/1/2029 $1,676.57 5/1/1999 $252,000 $252,000.00 $251,793.43
27886811 7.25 5/1/1999 4/1/2029 $2,155.68 5/1/1999 $316,000 $315,753.49 $315,753.49
27886878 7 6/1/1999 5/1/2029 $4,324.47 5/1/1999 $650,000 $650,000.00 $650,000.00
27889898 7 5/1/1999 4/1/2029 $1,703.18 5/1/1999 $256,000 $255,790.15 $255,790.15
27890086 7.25 6/1/1999 5/1/2029 $4,152.82 5/1/1999 $608,760 $608,760.00 $608,760.00
27890532 7 5/1/1999 4/1/2029 $2,474.93 5/1/1999 $372,000 $371,695.07 $371,695.07
27891035 7.125 5/1/1999 4/1/2029 $3,287.75 5/1/1999 $488,000 $488,000.00 $487,609.75
27891811 7.125 5/1/1999 4/1/2029 $1,947.05 5/1/1999 $289,000 $289,000.00 $288,768.89
27891944 7 5/1/1999 4/1/2029 $2,035.83 5/1/1999 $306,000 $306,000.00 $305,749.17
27892520 7.125 5/1/1999 4/1/2029 $4,325.28 5/1/1999 $642,000 $642,000.00 $641,486.60
27893221 7.25 5/1/1999 4/1/2029 $2,016.52 5/1/1999 $295,600 $295,600.00 $295,369.40
27893510 7.125 5/1/1999 4/1/2029 $3,031.74 5/1/1999 $450,000 $450,000.00 $449,640.14
27893908 7 6/1/1999 5/1/2029 $3,176.43 5/1/1999 $477,441 $477,441.00 $477,441.00
27895853 7 5/1/1999 4/1/2029 $2,345.20 5/1/1999 $352,500 $352,500.00 $352,211.05
27896844 7.125 6/1/1999 5/1/2029 $3,678.51 5/1/1999 $546,000 $546,000.00 $546,000.00
27897941 7 5/1/1999 4/1/2029 $4,324.47 5/1/1999 $650,000 $650,000.00 $649,467.20
27898048 7.125 5/1/1999 4/1/2029 $2,590.45 5/1/1999 $384,500 $384,500.00 $384,192.52
27898097 7.25 5/1/1999 4/1/2029 $2,182.97 5/1/1999 $320,000 $320,000.00 $319,750.36
27898162 7 5/1/1999 4/1/2029 $1,879.48 5/1/1999 $282,500 $282,147.44 $282,147.44
27898212 6.875 5/1/1999 4/1/2029 $3,310.93 5/1/1999 $504,000 $504,000.00 $503,576.57
27898360 7.25 5/1/1999 4/1/2029 $3,369.96 5/1/1999 $494,000 $494,000.00 $493,614.62
27898378 7.375 5/1/1999 4/1/2029 $2,520.97 5/1/1999 $365,000 $365,000.00 $364,722.26
27898519 7.5 5/1/1999 4/1/2029 $2,894.75 5/1/1999 $414,000 $414,000.00 $413,692.75
27899392 6.875 5/1/1999 4/1/2029 $2,627.72 5/1/1999 $400,000 $400,000.00 $399,663.95
27899525 6.625 5/1/1999 4/1/2029 $1,634.08 5/1/1999 $255,200 $255,200.00 $254,974.84
27900299 7 5/1/1999 4/1/2029 $1,663.26 5/1/1999 $250,000 $249,795.07 $249,795.07
27901248 7.125 5/1/1999 4/1/2029 $2,400.13 5/1/1999 $356,250 $356,250.00 $355,965.10
27902485 7 5/1/1999 4/1/2029 $2,661.22 5/1/1999 $400,000 $400,000.00 $399,672.11
27904093 7.25 5/1/1999 4/1/2029 $2,046.53 5/1/1999 $300,000 $300,000.00 $299,765.97
27904887 7.25 6/1/1999 5/1/2029 $3,390.42 5/1/1999 $497,000 $497,000.00 $497,000.00
27905421 7.375 6/1/1999 5/1/2029 $3,045.88 5/1/1999 $441,000 $441,000.00 $441,000.00
27905819 7.125 6/1/1999 5/1/2029 $2,762.25 5/1/1999 $410,000 $410,000.00 $410,000.00
27906429 7.125 6/1/1999 5/1/2029 $1,843.30 5/1/1999 $273,600 $273,600.00 $273,600.00
27906528 7.25 5/1/1999 4/1/2029 $2,728.71 5/1/1999 $400,000 $400,000.00 $399,687.96
27909191 7.125 5/1/1999 4/1/2029 $2,021.16 5/1/1999 $300,000 $299,760.09 $299,760.09
27909274 7.25 5/1/1999 4/1/2029 $2,537.70 5/1/1999 $372,000 $371,709.80 $371,709.80
27909431 7.25 5/1/1999 4/1/2029 $1,964.67 5/1/1999 $288,000 $288,000.00 $287,775.33
27910280 7 5/1/1999 4/1/2029 $2,411.06 5/1/1999 $362,400 $362,400.00 $362,102.94
27910405 7.375 6/1/1999 5/1/2029 $3,668.87 5/1/1999 $531,200 $531,200.00 $531,200.00
27912138 7.125 6/1/1999 5/1/2029 $2,042.72 5/1/1999 $303,200 $303,200.00 $303,200.00
27912351 7 5/1/1999 4/1/2029 $2,103.69 5/1/1999 $316,200 $316,200.00 $315,940.81
27912989 7.375 5/1/1999 4/1/2029 $2,748.89 5/1/1999 $398,000 $398,000.00 $397,697.15
27913029 7 5/1/1999 4/1/2029 $1,756.40 5/1/1999 $264,000 $263,783.60 $263,783.60
27913086 7.25 5/1/1999 4/1/2029 $1,790.72 5/1/1999 $262,500 $262,500.00 $262,295.22
27913342 7 5/1/1999 4/1/2029 $1,952.00 5/1/1999 $293,400 $293,400.00 $293,159.50
27913730 7.25 5/1/1999 4/1/2029 $2,012.42 5/1/1999 $295,000 $294,212.07 $294,212.07
27915453 7.625 5/1/1999 4/1/2029 $2,208.32 5/1/1999 $312,000 $312,000.00 $311,774.18
27916675 6.875 5/1/1999 4/1/2029 $2,783.74 5/1/1999 $423,750 $423,750.00 $423,393.99
27917442 7.125 5/1/1999 4/1/2029 $1,886.42 5/1/1999 $280,000 $279,557.44 $279,557.44
27918317 6.75 5/1/1999 4/1/2029 $1,670.79 5/1/1999 $257,600 $257,600.00 $257,378.21
27918606 7 5/1/1999 4/1/2029 $1,736.44 5/1/1999 $261,000 $261,000.00 $260,786.06
27918689 6.875 5/1/1999 4/1/2029 $2,562.03 5/1/1999 $390,000 $385,145.09 $384,789.62
27919943 7 6/1/1999 5/1/2029 $1,862.85 5/1/1999 $280,000 $280,000.00 $280,000.00
27920669 7 6/1/1999 5/1/2029 $3,528.77 5/1/1999 $530,400 $530,400.00 $530,400.00
27920917 7.25 5/1/1999 4/1/2029 $1,882.81 5/1/1999 $276,000 $276,000.00 $275,784.69
27921261 7 6/1/1999 5/1/2029 $1,738.11 5/1/1999 $261,250 $261,250.00 $261,250.00
27921345 6.75 6/1/1999 5/1/2029 $1,945.80 5/1/1999 $300,000 $300,000.00 $300,000.00
27923861 7 6/1/1999 5/1/2029 $2,887.42 5/1/1999 $434,000 $434,000.00 $434,000.00
27926294 7.25 5/1/1999 4/1/2029 $2,013.79 5/1/1999 $295,200 $294,969.71 $294,969.71
27926740 7.375 5/1/1999 4/1/2029 $1,726.69 5/1/1999 $250,000 $250,000.00 $249,809.77
27926955 6.625 5/1/1999 4/1/2029 $3,425.67 5/1/1999 $535,000 $535,000.00 $534,527.98
27927391 7 6/1/1999 5/1/2029 $2,682.50 5/1/1999 $403,200 $403,200.00 $403,200.00
27927730 7.375 5/1/1999 4/1/2029 $1,795.76 5/1/1999 $260,000 $260,000.00 $259,802.16
27928233 7 5/1/1999 4/1/2029 $4,284.55 5/1/1999 $644,000 $644,000.00 $643,472.12
27928506 6.875 6/1/1999 5/1/2029 $2,066.05 5/1/1999 $314,500 $314,500.00 $314,500.00
27930577 7.25 5/1/1999 4/1/2029 $2,919.72 5/1/1999 $428,000 $428,000.00 $427,666.11
27933290 7.375 6/1/1999 5/1/2029 $2,168.72 5/1/1999 $314,000 $314,000.00 $314,000.00
27934983 6.75 5/1/1999 4/1/2029 $2,416.20 5/1/1999 $372,525 $372,204.25 $372,204.25
27935832 7.375 5/1/1999 4/1/2029 $3,355.30 5/1/1999 $485,800 $485,800.00 $485,430.35
27936178 7.5 5/1/1999 4/1/2029 $2,687.79 5/1/1999 $384,400 $384,114.71 $384,114.71
27936509 7.375 5/1/1999 4/1/2029 $3,453.38 5/1/1999 $500,000 $500,000.00 $499,619.54
27936517 7.375 5/1/1999 4/1/2029 $2,072.03 5/1/1999 $300,000 $299,771.72 $299,771.72
27937515 7.25 6/1/1999 5/1/2029 $2,455.84 5/1/1999 $360,000 $360,000.00 $360,000.00
27939511 6.75 5/1/1999 4/1/2029 $1,751.22 5/1/1999 $270,000 $270,000.00 $269,767.53
27940360 7.25 5/1/1999 4/1/2029 $2,626.38 5/1/1999 $385,000 $385,000.00 $384,699.66
27941152 7.125 5/1/1999 4/1/2029 $2,021.16 5/1/1999 $300,000 $299,760.09 $299,760.09
27941376 7.125 6/1/1999 5/1/2029 $1,639.84 5/1/1999 $243,400 $243,400.00 $243,400.00
27942572 7.375 5/1/1999 4/1/2029 $2,182.54 5/1/1999 $316,000 $316,000.00 $315,759.54
27944487 7 6/1/1999 5/1/2029 $2,355.18 5/1/1999 $354,000 $354,000.00 $354,000.00
27944917 7.375 5/1/1999 4/1/2029 $1,740.51 5/1/1999 $252,000 $252,000.00 $251,808.24
27947100 7.75 5/1/1999 4/1/2029 $2,149.24 5/1/1999 $300,000 $300,000.00 $299,788.26
27948793 7.125 6/1/1999 5/1/2029 $3,938.56 5/1/1999 $584,600 $584,600.00 $584,600.00
27949544 7.75 5/1/1999 4/1/2029 $4,656.68 5/1/1999 $650,000 $650,000.00 $649,541.24
27949577 7.25 6/1/1999 5/1/2029 $1,862.35 5/1/1999 $273,000 $272,787.03 $273,000.00
27950641 7.25 5/1/1999 4/1/2024 $2,466.58 5/1/1999 $341,250 $341,250.00 $340,845.14
27951276 6.875 5/1/1999 4/1/2029 $3,621.00 5/1/1999 $551,200 $550,736.92 $550,736.92
27951920 7.25 5/1/1999 4/1/2029 $2,592.27 5/1/1999 $380,000 $380,000.00 $379,703.56
27953181 7.125 5/1/1999 4/1/2029 $2,452.34 5/1/1999 $364,000 $364,000.00 $363,708.91
27953637 7.625 5/1/1999 4/1/2029 $1,486.37 5/1/1999 $210,000 $210,000.00 $209,848.01
27953959 7.25 6/1/1999 5/1/2029 $2,537.70 5/1/1999 $372,000 $372,000.00 $372,000.00
27954262 7.375 5/1/1999 4/1/2029 $2,210.17 5/1/1999 $320,000 $320,000.00 $319,756.50
27956580 7.125 5/1/1999 4/1/2029 $2,043.39 5/1/1999 $303,300 $303,300.00 $303,057.45
27956614 7.125 6/1/1999 5/1/2029 $2,189.59 5/1/1999 $325,000 $325,000.00 $325,000.00
27956846 7.25 5/1/1999 4/1/2029 $1,836.96 5/1/1999 $269,280 $269,069.94 $269,069.94
27960582 7.125 5/1/1999 4/1/2029 $1,266.60 5/1/1999 $188,000 $187,849.65 $187,849.65
27961408 7.125 6/1/1999 5/1/2029 $3,508.73 5/1/1999 $520,800 $520,800.00 $520,800.00
27961556 7.375 5/1/1999 4/1/2029 $5,525.41 5/1/1999 $800,000 $800,000.00 $799,391.26
27962356 7.125 5/1/1999 4/1/2029 $2,331.07 5/1/1999 $346,000 $346,000.00 $345,723.31
27962471 7.125 5/1/1999 4/1/2029 $1,687.67 5/1/1999 $250,500 $250,500.00 $250,299.67
27962638 7 5/1/1999 4/1/2029 $2,145.61 5/1/1999 $322,500 $322,500.00 $322,235.64
27962737 7.5 5/1/1999 4/1/2029 $2,573.11 5/1/1999 $368,000 $368,000.00 $367,726.89
27963990 6.875 5/1/1999 4/1/2029 $3,429.17 5/1/1999 $522,000 $521,561.46 $521,561.46
27964931 6.75 5/1/1999 4/1/2029 $4,021.31 5/1/1999 $620,000 $619,466.19 $619,466.19
27966456 7.375 5/1/1999 4/1/2029 $2,359.35 5/1/1999 $341,600 $341,340.07 $341,340.07
27967108 7.375 5/1/1999 4/1/2029 $4,144.06 5/1/1999 $600,000 $600,000.00 $599,543.44
27968106 7.125 5/1/1999 4/1/2029 $1,677.56 5/1/1999 $249,000 $246,462.65 $246,248.46
27968189 7.375 5/1/1999 4/1/2029 $2,210.17 5/1/1999 $320,000 $320,000.00 $319,756.50
27968411 6.875 6/1/1999 5/1/2029 $2,667.14 5/1/1999 $406,000 $406,000.00 $406,000.00
27968429 7.375 5/1/1999 4/1/2029 $2,311.69 5/1/1999 $334,700 $334,700.00 $334,445.32
27968601 7.125 5/1/1999 4/1/2029 $2,342.52 5/1/1999 $347,700 $347,421.95 $347,421.95
27969245 7.375 5/1/1999 4/1/2029 $3,533.84 5/1/1999 $511,650 $511,650.00 $511,260.68
27969963 7.5 5/1/1999 4/1/2029 $2,265.46 5/1/1999 $324,000 $324,000.00 $323,759.54
27970342 7.375 5/1/1999 4/1/2029 $2,762.71 5/1/1999 $400,000 $399,695.62 $399,695.62
27972017 7 5/1/1999 4/1/2029 $2,095.71 5/1/1999 $315,000 $315,000.00 $314,741.79
27973882 7.25 5/1/1999 4/1/2029 $1,684.98 5/1/1999 $247,000 $247,000.00 $246,807.31
27974153 7.125 5/1/1999 4/1/2029 $2,169.38 5/1/1999 $322,000 $322,000.00 $321,742.50
27974476 6.75 6/1/1999 5/1/2029 $2,153.35 5/1/1999 $332,000 $332,000.00 $332,000.00
27974906 7.5 5/1/1999 4/1/2029 $2,796.86 5/1/1999 $400,000 $400,000.00 $399,703.14
27975556 6.875 5/1/1999 4/1/2029 $3,284.65 5/1/1999 $500,000 $499,579.93 $499,579.93
27975564 7.25 5/1/1999 4/1/2029 $3,738.33 5/1/1999 $548,000 $548,000.00 $547,572.50
27975630 7.25 5/1/1999 4/1/2029 $2,779.87 5/1/1999 $407,500 $407,500.00 $407,182.11
27975697 7.25 5/1/1999 4/1/2029 $1,855.52 5/1/1999 $272,000 $272,000.00 $271,787.81
27976133 7.25 5/1/1999 4/1/2029 $2,080.64 5/1/1999 $305,000 $305,000.00 $304,762.07
27979194 7.25 5/1/1999 4/1/2029 $2,506.32 5/1/1999 $367,400 $367,400.00 $367,113.39
27980598 6.875 5/1/1999 4/1/2029 $1,796.71 5/1/1999 $273,500 $273,500.00 $273,270.22
27980655 7 6/1/1999 5/1/2029 $2,772.99 5/1/1999 $416,800 $416,800.00 $416,800.00
27980754 7.125 6/1/1999 5/1/2029 $2,694.88 5/1/1999 $400,000 $400,000.00 $400,000.00
27980770 7 5/1/1999 4/1/2029 $2,927.34 5/1/1999 $440,000 $439,639.33 $439,639.33
27981026 7 5/1/1999 4/1/2029 $4,324.47 5/1/1999 $650,000 $650,000.00 $649,467.20
27981422 6.875 6/1/1999 5/1/2029 $2,496.33 5/1/1999 $380,000 $379,677.08 $379,996.35
27982230 7.25 5/1/1999 4/1/2029 $2,455.84 5/1/1999 $360,000 $360,000.00 $359,719.16
27982503 7.25 5/1/1999 4/1/2029 $2,046.53 5/1/1999 $300,000 $300,000.00 $299,765.97
27984087 7.25 6/1/1999 5/1/2029 $2,537.70 5/1/1999 $372,000 $372,000.00 $372,000.00
27984335 7.25 6/1/1999 5/1/2029 $2,008.33 5/1/1999 $294,400 $294,400.00 $294,400.00
27984376 7.25 5/1/1999 4/1/2029 $2,728.71 5/1/1999 $400,000 $400,000.00 $399,687.96
27984566 7.25 6/1/1999 5/1/2029 $1,800.95 5/1/1999 $264,000 $264,000.00 $264,000.00
27984624 7.25 5/1/1999 4/1/2029 $2,046.53 5/1/1999 $300,000 $299,765.97 $299,765.97
27986561 7.125 5/1/1999 4/1/2029 $3,301.23 5/1/1999 $490,000 $489,608.15 $489,608.15
27986637 7.25 6/1/1999 5/1/2029 $2,510.41 5/1/1999 $368,000 $368,000.00 $368,000.00
27988328 7.375 6/1/1999 5/1/2029 $1,864.83 5/1/1999 $270,000 $270,000.00 $270,000.00
27989466 7 6/1/1999 5/1/2029 $3,093.66 5/1/1999 $465,000 $465,000.00 $465,000.00
27989649 7 5/1/1999 4/1/2029 $3,506.15 5/1/1999 $527,000 $527,000.00 $526,568.02
27989813 7.375 5/1/1999 4/1/2029 $1,954.62 5/1/1999 $283,000 $283,000.00 $282,784.65
27989961 7.375 5/1/1999 4/1/2029 $2,293.05 5/1/1999 $332,000 $332,000.00 $331,747.37
27992486 7 6/1/1999 5/1/2029 $2,089.72 5/1/1999 $314,100 $314,100.00 $314,100.00
27992981 7.125 6/1/1999 5/1/2029 $1,983.43 5/1/1999 $294,400 $294,400.00 $294,400.00
27993492 7.125 6/1/1999 5/1/2029 $2,172.07 5/1/1999 $322,400 $322,400.00 $322,400.00
27994433 6.75 5/1/1999 4/1/2029 $2,516.57 5/1/1999 $388,000 $388,000.00 $387,665.93
27995034 7 6/1/1999 5/1/2029 $1,969.30 5/1/1999 $296,000 $296,000.00 $296,000.00
27996024 7.25 6/1/1999 5/1/2029 $4,333.53 5/1/1999 $635,250 $635,250.00 $635,250.00
27996156 6.625 5/1/1999 4/1/2029 $1,600.78 5/1/1999 $250,000 $250,000.00 $249,779.43
27996222 6.875 6/1/1999 5/1/2029 $2,036.48 5/1/1999 $310,000 $310,000.00 $310,000.00
27996552 7.125 6/1/1999 5/1/2029 $1,839.26 5/1/1999 $273,000 $273,000.00 $273,000.00
27996594 7 6/1/1999 5/1/2029 $2,461.62 5/1/1999 $370,000 $370,000.00 $370,000.00
27998848 7.125 5/1/1999 4/1/2029 $2,189.59 5/1/1999 $325,000 $325,000.00 $324,740.10
27998889 7.375 6/1/1999 5/1/2029 $2,141.10 5/1/1999 $310,000 $310,000.00 $310,000.00
27999739 7.25 5/1/1999 4/1/2029 $2,114.75 5/1/1999 $310,000 $309,756.28 $309,756.28
27999788 6.875 5/1/1999 4/1/2029 $1,807.87 5/1/1999 $275,200 $274,968.80 $274,968.80
28000263 7.125 6/1/1999 5/1/2029 $2,355.32 5/1/1999 $349,600 $349,600.00 $349,600.00
28000271 7.125 6/1/1999 5/1/2029 $2,207.11 5/1/1999 $327,600 $327,600.00 $327,600.00
28001576 7 6/1/1999 5/1/2029 $2,761.01 5/1/1999 $415,000 $415,000.00 $415,000.00
28001733 7 6/1/1999 5/1/2029 $2,128.97 5/1/1999 $320,000 $320,000.00 $320,000.00
28001808 7.125 6/1/1999 5/1/2029 $1,724.72 5/1/1999 $256,000 $256,000.00 $256,000.00
28002145 7.125 6/1/1999 5/1/2029 $2,829.62 5/1/1999 $420,000 $420,000.00 $420,000.00
28002244 7.375 6/1/1999 5/1/2029 $2,118.31 5/1/1999 $306,700 $306,700.00 $306,700.00
28002459 7.375 6/1/1999 5/1/2029 $2,900.84 5/1/1999 $420,000 $420,000.00 $420,000.00
28002558 7.125 6/1/1999 5/1/2029 $2,298.73 5/1/1999 $341,200 $341,200.00 $341,200.00
28002582 7.25 5/1/1999 4/1/2029 $2,148.86 5/1/1999 $315,000 $315,000.00 $314,754.27
28002608 7.375 5/1/1999 4/1/2029 $2,417.37 5/1/1999 $350,000 $349,733.67 $349,733.67
28002624 7.125 6/1/1999 5/1/2029 $1,990.84 5/1/1999 $295,500 $295,500.00 $295,500.00
28002632 7.375 5/1/1999 4/1/2029 $2,831.77 5/1/1999 $410,000 $409,688.02 $409,688.02
28002640 7.375 6/1/1999 5/1/2029 $2,120.38 5/1/1999 $307,000 $307,000.00 $307,000.00
28002665 7.375 6/1/1999 5/1/2029 $2,698.47 5/1/1999 $390,700 $390,700.00 $390,700.00
28002707 7.125 6/1/1999 5/1/2029 $2,198.35 5/1/1999 $326,300 $326,300.00 $326,300.00
28002749 7.375 6/1/1999 5/1/2029 $2,163.20 5/1/1999 $313,200 $313,200.00 $313,200.00
28002798 7 6/1/1999 5/1/2029 $2,927.34 5/1/1999 $440,000 $440,000.00 $440,000.00
28002897 7.25 5/1/1999 4/1/2029 $2,182.97 5/1/1999 $320,000 $320,000.00 $319,750.36
28002905 7.375 6/1/1999 5/1/2029 $2,341.39 5/1/1999 $339,000 $339,000.00 $339,000.00
28004075 7.125 6/1/1999 5/1/2029 $2,425.39 5/1/1999 $360,000 $360,000.00 $360,000.00
28004281 7.375 5/1/1999 4/1/2029 $2,141.10 5/1/1999 $310,000 $310,000.00 $309,764.11
28005239 7.125 6/1/1999 5/1/2029 $2,662.54 5/1/1999 $395,200 $395,200.00 $395,200.00
28005668 7.25 6/1/1999 5/1/2029 $3,410.89 5/1/1999 $500,000 $500,000.00 $500,000.00
28005841 7.25 6/1/1999 5/1/2029 $3,838.61 5/1/1999 $562,700 $562,700.00 $562,700.00
28006138 7.375 6/1/1999 5/1/2029 $2,065.12 5/1/1999 $299,000 $299,000.00 $299,000.00
28006435 7.375 6/1/1999 5/1/2029 $1,830.29 5/1/1999 $265,000 $265,000.00 $265,000.00
28006567 7.25 5/1/1999 4/1/2029 $2,728.71 5/1/1999 $400,000 $399,687.96 $399,687.96
28007458 7.25 5/1/1999 4/1/2029 $3,410.89 5/1/1999 $500,000 $500,000.00 $499,609.94
28007789 7.25 6/1/1999 5/1/2029 $2,353.51 5/1/1999 $345,000 $345,000.00 $345,000.00
28007888 7.25 6/1/1999 5/1/2029 $4,434.15 5/1/1999 $650,000 $650,000.00 $650,000.00
28008068 7 5/1/1999 4/1/2029 $2,142.28 5/1/1999 $322,000 $322,000.00 $321,736.05
28008100 7.375 5/1/1999 4/1/2029 $2,641.15 5/1/1999 $382,400 $382,400.00 $382,109.02
28008118 7.375 5/1/1999 4/1/2029 $4,472.13 5/1/1999 $647,500 $647,500.00 $647,007.30
28008811 7.25 6/1/1999 5/1/2029 $1,862.35 5/1/1999 $273,000 $273,000.00 $273,000.00
28009090 7.375 5/1/1999 4/1/2029 $2,458.81 5/1/1999 $356,000 $356,000.00 $355,729.11
28009223 7.375 6/1/1999 5/1/2029 $1,996.06 5/1/1999 $289,000 $289,000.00 $289,000.00
28009231 7.25 6/1/1999 5/1/2029 $3,069.80 5/1/1999 $450,000 $450,000.00 $450,000.00
28009272 7.25 6/1/1999 5/1/2029 $1,989.91 5/1/1999 $291,700 $291,700.00 $291,700.00
28009298 7.375 6/1/1999 5/1/2029 $2,334.49 5/1/1999 $338,000 $338,000.00 $338,000.00
28009439 7.25 6/1/1999 5/1/2029 $2,339.87 5/1/1999 $343,000 $343,000.00 $343,000.00
28009603 7.25 6/1/1999 5/1/2029 $2,354.88 5/1/1999 $345,200 $345,200.00 $345,200.00
28009850 7.25 6/1/1999 5/1/2029 $2,725.30 5/1/1999 $399,500 $399,500.00 $399,500.00
28012029 7 5/1/1999 4/1/2029 $1,896.12 5/1/1999 $285,000 $285,000.00 $284,766.38
28012078 7.5 5/1/1999 4/1/2029 $2,139.60 5/1/1999 $306,000 $306,000.00 $305,772.90
28012557 6.75 5/1/1999 4/1/2029 $2,302.53 5/1/1999 $355,000 $354,694.35 $354,694.35
28014116 7.25 6/1/1999 5/1/2029 $2,046.53 5/1/1999 $300,000 $300,000.00 $300,000.00
28014199 7.25 5/1/1999 4/1/2029 $2,503.59 5/1/1999 $367,000 $367,000.00 $366,713.70
28014645 7.125 5/1/1999 4/1/2029 $2,075.06 5/1/1999 $308,000 $308,000.00 $307,753.69
28015469 7.125 5/1/1999 4/1/2029 $2,263.70 5/1/1999 $336,000 $336,000.00 $335,731.30
28018786 6.875 5/1/1999 4/1/2029 $2,443.78 5/1/1999 $372,000 $372,000.00 $371,687.47
28020352 7 6/1/1999 5/1/2029 $1,729.79 5/1/1999 $260,000 $260,000.00 $260,000.00
28022648 7.5 5/1/1999 4/1/2029 $3,814.22 5/1/1999 $545,500 $545,500.00 $545,095.16
28022937 7.375 5/1/1999 4/1/2029 $2,451.90 5/1/1999 $355,000 $355,000.00 $354,729.87
28023380 7 6/1/1999 5/1/2029 $1,995.91 5/1/1999 $300,000 $300,000.00 $300,000.00
28025369 7.125 5/1/1999 4/1/2029 $1,023.52 5/1/1999 $151,920 $151,798.51 $151,798.51
28027324 7.25 6/1/1999 5/1/2029 $2,489.95 5/1/1999 $365,000 $365,000.00 $365,000.00
28027571 7.125 5/1/1999 4/1/2029 $1,920.10 5/1/1999 $285,000 $285,000.00 $284,772.09
28029569 7 6/1/1999 5/1/2029 $2,408.40 5/1/1999 $362,000 $362,000.00 $362,000.00
28029650 7.25 5/1/1999 4/1/2029 $2,871.97 5/1/1999 $421,000 $421,000.00 $420,671.57
28032209 7.125 6/1/1999 5/1/2029 $2,021.16 5/1/1999 $300,000 $300,000.00 $300,000.00
28034726 6.875 5/1/1999 4/1/2029 $1,911.67 5/1/1999 $291,000 $291,000.00 $290,755.52
28035723 7.25 6/1/1999 5/1/2029 $2,578.63 5/1/1999 $378,000 $378,000.00 $378,000.00
28036200 7.25 5/1/1999 4/1/2029 $2,483.13 5/1/1999 $364,000 $364,000.00 $363,716.04
28048007 7.5 6/1/1999 5/1/2029 $2,069.68 5/1/1999 $296,000 $296,000.00 $296,000.00
28056786 7.25 6/1/1999 5/1/2029 $2,387.62 5/1/1999 $350,000 $350,000.00 $350,000.00
28060853 7.375 6/1/1999 5/1/2029 $3,215.79 5/1/1999 $465,600 $465,600.00 $465,600.00
28064707 6.875 6/1/1999 5/1/2029 $2,135.02 5/1/1999 $325,000 $325,000.00 $325,000.00
</TABLE>
(continued)
LOAN# PURP DOC APPRAISAL RTRM CLTV
21596135 R/T REFI FULL $486,000 341 77.4
22083943 PURCH FULL $440,000 358 68.3
22151906 PURCH FULL $428,000 359 72.5
22231849 PURCH FULL $367,000 359 88.5
22254445 R/T REFI FULL $280,000 359 89.9
22271035 R/T REFI FULL $360,000 353 79.5
22309058 R/T REFI FULL $308,000 359 89.6
22327126 R/T REFI FULL $345,000 358 82.4
22334312 PURCH FULL $422,000 355 79.7
22355911 PURCH FULL $381,000 358 79.5
22382519 R/T REFI FULL $500,000 354 65.7
22392096 PURCH FULL $330,000 355 89.7
22399232 R/T REFI FULL $585,000 355 51.1
22412654 PURCH FULL $391,000 355 79.7
22414627 R/T REFI FULL $335,000 357 73.2
22479703 R/T REFI FULL $350,000 359 80.0
22483325 PURCH FULL $337,000 355 79.6
22502041 PURCH FULL $485,000 354 79.6
22508105 R/T REFI FULL $450,000 352 69.6
22518443 R/T REFI FULL $810,000 357 70.6
22525166 R/T REFI FULL $500,000 356 58.7
22534283 R/T REFI FULL $555,000 357 79.9
22545628 R/T REFI FULL $350,000 357 74.1
22545883 C/O REFI FULL $450,000 356 55.5
22552293 PURCH FULL $300,000 356 86.1
22552509 PURCH FULL $326,000 355 74.8
22554513 R/T REFI FULL $510,000 358 56.4
22559959 PURCH FULL $378,000 355 71.8
22561641 PURCH FULL $577,000 359 52.0
22563811 PURCH FULL $365,000 358 79.9
22568091 R/T REFI FULL $400,000 355 72.2
22577555 R/T REFI FULL $624,000 358 68.9
22577910 PURCH FULL $753,000 356 79.8
22578280 PURCH FULL $360,000 357 89.8
22585228 R/T REFI FULL $360,000 358 89.9
22590855 R/T REFI FULL $341,000 354 75.4
22595623 PURCH FULL $247,000 355 94.6
22595961 R/T REFI FULL $425,000 358 75.7
22596100 PURCH FULL $320,000 355 93.5
22596654 R/T REFI FULL $405,000 356 78.8
22597249 R/T REFI FULL $351,000 356 72.5
22597280 R/T REFI FULL $400,000 356 77.2
22598585 R/T REFI FULL $450,000 359 71.6
22600019 R/T REFI FULL $375,000 359 66.6
22600092 R/T REFI FULL $512,000 357 69.6
22603898 PURCH FULL $385,000 357 79.9
22605414 PURCH FULL $390,000 354 79.7
22606826 R/T REFI FULL $500,000 356 67.9
22607360 PURCH FULL $395,000 358 79.9
22608517 R/T REFI FULL $555,000 357 76.2
22614077 C/O REFI FULL $1,210,000 358 44.6
22615645 R/T REFI FULL $540,000 357 69.8
22617518 PURCH FULL $450,000 358 79.8
22620413 PURCH FULL $343,000 353 82.8
22620926 R/T REFI FULL $452,000 358 73.3
22620967 R/T REFI FULL $363,315 357 79.7
22624084 R/T REFI FULL $510,000 358 55.8
22624472 PURCH FULL $390,000 357 89.9
22624506 R/T REFI FULL $405,000 358 68.8
22625834 R/T REFI FULL $650,000 358 45.8
22627368 R/T REFI FULL $385,000 357 79.9
22629752 R/T REFI FULL $810,000 358 46.1
22629976 C/O REFI FULL $361,000 359 72.4
22629992 R/T REFI FULL $450,000 359 75.8
22634836 R/T REFI FULL $400,000 358 79.9
22635288 PURCH FULL $356,000 357 89.9
22639140 R/T REFI FULL $380,000 358 68.4
22639561 R/T REFI FULL $485,000 357 79.9
22640031 R/T REFI FULL $540,000 357 79.8
22643050 R/T REFI FULL $352,500 237 79.7
22644314 PURCH FULL $269,000 356 94.7
22644694 PURCH FULL $390,000 359 90.0
22655062 PURCH FULL $360,000 356 80.9
22657969 R/T REFI FULL $380,000 356 91.3
22665251 R/T REFI FULL $375,000 358 76.6
22666028 PURCH FULL $745,000 359 75.3
22666853 PURCH FULL $333,000 359 80.0
22670103 R/T REFI FULL $384,000 238 71.7
22672380 R/T REFI FULL $319,000 356 84.7
22673560 R/T REFI FULL $383,000 357 79.8
22674550 R/T REFI FULL $390,000 358 77.2
22675060 PURCH FULL $445,000 358 75.2
22676142 R/T REFI FULL $535,000 359 76.6
22676795 PURCH FULL $675,000 357 79.9
22677421 PURCH FULL $400,000 358 79.9
22678023 PURCH FULL $635,000 359 72.0
22678890 PURCH FULL $298,000 357 94.8
22679484 R/T REFI FULL $525,000 358 51.2
22682108 PURCH FULL $325,500 357 79.8
22682355 R/T REFI FULL $415,000 359 87.4
22682819 R/T REFI FULL $550,000 358 75.4
22687362 R/T REFI FULL $570,000 358 83.3
22687487 R/T REFI FULL $385,000 357 76.5
22687735 PURCH FULL $358,500 357 79.9
22687768 C/O REFI FULL $625,000 357 45.5
22688261 R/T REFI FULL $1,145,000 358 36.7
22689228 PURCH FULL $377,000 357 89.8
22689335 R/T REFI FULL $635,000 358 47.7
22689384 PURCH FULL $655,000 358 79.9
22690341 PURCH FULL $472,000 358 79.9
22690580 R/T REFI FULL $875,000 358 74.2
22696280 R/T REFI FULL $355,000 358 69.7
22704092 PURCH FULL $608,808 358 79.9
22704118 R/T REFI FULL $465,000 358 68.7
22704274 PURCH FULL $460,000 358 79.9
22706824 PURCH FULL $460,000 358 79.9
22707285 R/T REFI FULL $455,000 359 65.7
22708473 R/T REFI FULL $402,000 358 69.1
22709430 PURCH FULL $400,000 359 80.0
22709455 PURCH FULL $560,000 358 77.5
22711949 PURCH FULL $640,000 359 55.1
22712186 PURCH FULL $365,000 358 79.8
22712392 PURCH FULL $385,000 358 79.9
22712558 R/T REFI FULL $400,000 358 65.9
22713135 R/T REFI FULL $480,000 357 74.9
22713689 C/O REFI FULL $400,000 358 74.8
22716146 PURCH FULL $338,000 358 87.5
22718175 PURCH FULL $485,000 358 79.9
22720197 PURCH FULL $430,000 359 79.9
22721203 R/T REFI FULL $475,000 359 80.0
22721278 R/T REFI FULL $395,000 358 78.4
22724025 PURCH FULL $472,000 358 62.9
22725295 R/T REFI FULL $575,000 358 69.4
22726103 PURCH FULL $320,000 358 87.8
22727226 C/O REFI FULL $750,000 358 66.6
22729024 R/T REFI FULL $775,000 358 41.4
22729255 R/T REFI FULL $463,000 359 62.6
22729875 R/T REFI FULL $640,000 359 74.9
22730915 C/O REFI FULL $500,000 353 74.7
22731962 PURCH FULL $391,000 358 79.9
22732911 R/T REFI FULL $350,000 358 74.4
22735088 PURCH FULL $405,000 358 79.9
22735385 C/O REFI FULL $510,000 359 56.9
22737613 PURCH FULL $410,000 358 79.9
22737977 R/T REFI FULL $720,000 359 64.3
22738272 R/T REFI FULL $460,000 359 69.6
22738645 R/T REFI FULL $565,000 358 79.5
22738769 R/T REFI FULL $422,000 358 76.3
22739510 R/T REFI FULL $347,000 359 72.0
22739676 R/T REFI FULL $325,000 357 88.1
22740294 PURCH FULL $800,000 358 79.9
22740476 PURCH FULL $290,000 358 93.1
22740617 PURCH FULL $645,000 359 54.3
22742159 PURCH FULL $598,000 358 79.9
22742860 R/T REFI FULL $430,000 357 71.1
22744452 PURCH FULL $350,000 358 79.9
22747026 R/T REFI FULL $634,000 359 53.2
22748479 R/T REFI FULL $590,000 359 77.9
22748511 PURCH FULL $695,000 359 79.8
22748958 R/T REFI FULL $425,000 359 71.8
22749188 R/T REFI FULL $435,000 358 68.9
22749899 PURCH FULL $365,000 359 80.0
22750004 R/T REFI FULL $710,000 358 79.4
22750848 PURCH FULL $250,000 358 79.8
22751408 R/T REFI FULL $360,000 358 69.0
22751531 PURCH FULL $425,000 359 85.0
22751838 R/T REFI FULL $400,000 359 66.3
22751911 C/O REFI FULL $340,000 358 74.9
22752604 PURCH FULL $285,000 359 89.9
22752703 PURCH FULL $402,000 359 63.1
22753214 R/T REFI FULL $400,000 358 79.9
22754345 R/T REFI FULL $306,000 359 79.9
22754550 R/T REFI FULL $365,000 359 80.0
22755573 R/T REFI FULL $470,000 359 80.0
22755839 PURCH FULL $268,113 358 94.8
22756845 PURCH FULL $640,000 358 78.2
22758288 R/T REFI FULL $545,000 358 68.3
22759153 C/O REFI FULL $446,000 359 58.3
22761803 R/T REFI FULL $510,000 359 61.3
22762249 R/T REFI FULL $450,000 358 79.9
22762934 PURCH FULL $390,000 358 79.9
22763049 PURCH FULL $600,000 358 79.9
22766414 R/T REFI FULL $404,000 359 73.0
22766828 R/T REFI FULL $415,000 359 80.0
22767271 R/T REFI FULL $340,000 359 75.0
22768097 C/O REFI FULL $470,000 359 69.1
22768170 PURCH FULL $380,000 358 79.7
22768535 PURCH FULL $650,000 358 73.0
22768972 R/T REFI FULL $465,000 359 68.2
22769525 PURCH FULL $455,000 359 74.7
22770267 PURCH FULL $330,000 358 79.9
22770960 R/T REFI FULL $325,000 358 79.9
22771034 R/T REFI FULL $400,000 358 67.4
22771141 PURCH FULL $630,000 359 68.3
22771497 C/O REFI FULL $450,000 358 64.3
22771851 R/T REFI FULL $490,000 358 74.2
22772073 PURCH FULL $550,000 359 77.7
22772115 PURCH FULL $350,000 358 74.9
22772628 PURCH FULL $353,611 359 78.1
22772727 R/T REFI FULL $435,000 359 75.6
22774178 PURCH FULL $505,000 358 79.9
22775068 C/O REFI FULL $570,000 358 66.0
22775407 R/T REFI FULL $458,000 359 79.1
22775647 R/T REFI FULL $365,000 358 76.6
22776413 PURCH FULL $380,000 358 79.9
22776785 R/T REFI FULL $530,000 359 80.0
22777213 PURCH FULL $388,500 359 80.0
22777445 R/T REFI FULL $510,000 358 54.8
22777783 PURCH FULL $362,000 359 72.2
22777841 R/T REFI FULL $435,000 359 79.2
22778013 R/T REFI FULL $475,000 358 74.6
22778542 PURCH FULL $375,000 358 89.9
22778583 C/O REFI FULL $900,000 359 40.0
22778674 PURCH FULL $350,000 358 79.9
22778740 R/T REFI FULL $500,000 359 66.0
22778831 R/T REFI FULL $375,000 358 79.1
22779458 PURCH FULL $510,437 358 79.6
22779524 R/T REFI FULL $380,000 359 73.1
22779706 R/T REFI FULL $650,000 359 70.0
22780167 PURCH FULL $350,000 358 79.9
22780175 R/T REFI FULL $350,000 358 78.1
22780183 R/T REFI FULL $610,000 358 75.9
22780423 R/T REFI FULL $438,000 358 73.0
22780787 PURCH FULL $511,000 359 79.0
22781116 PURCH FULL $885,000 359 79.3
22781298 R/T REFI FULL $806,500 359 36.8
22781413 PURCH FULL $560,000 359 80.0
22781553 PURCH FULL $715,000 358 71.4
22781595 R/T REFI FULL $421,000 359 73.9
22781686 R/T REFI FULL $425,000 359 77.6
22782247 R/T REFI FULL $750,000 359 74.4
22783039 R/T REFI FULL $420,000 359 71.4
22783617 PURCH FULL $380,000 358 79.9
22783625 C/O REFI FULL $520,000 359 70.8
22783823 PURCH FULL $400,000 358 67.9
22783898 R/T REFI FULL $550,000 359 65.8
22783922 R/T REFI FULL $615,000 359 60.7
22783963 PURCH FULL $305,000 359 89.9
22784193 R/T REFI FULL $850,000 359 61.8
22784284 PURCH FULL $462,000 357 79.9
22784391 R/T REFI FULL $425,000 359 62.6
22784771 R/T REFI FULL $458,000 358 79.4
22785034 R/T REFI FULL $322,000 358 89.9
22785158 C/O REFI FULL $425,000 358 74.9
22785380 R/T REFI FULL $360,000 358 89.9
22785406 PURCH FULL $1,160,000 359 56.4
22785620 R/T REFI FULL $325,000 358 78.4
22785836 R/T REFI FULL $365,000 359 86.8
22786248 PURCH FULL $310,000 358 94.9
22787352 C/O REFI FULL $420,000 358 74.9
22787444 PURCH FULL $520,000 357 79.9
22788178 PURCH FULL $342,000 359 73.2
22788228 PURCH FULL $331,000 359 80.0
22788822 R/T REFI FULL $353,000 359 71.4
22788962 R/T REFI FULL $415,000 358 73.9
22789465 C/O REFI FULL $535,000 358 74.7
22789911 R/T REFI FULL $375,000 359 81.6
22789986 PURCH FULL $550,000 358 76.6
22791115 R/T REFI FULL $475,000 358 60.1
22791156 PURCH FULL $565,000 359 68.1
22791503 PURCH FULL $472,000 359 79.9
22791586 C/O REFI FULL $470,000 358 65.9
22792162 PURCH FULL $287,000 358 94.9
22792824 R/T REFI FULL $455,000 358 69.8
22792832 PURCH FULL $640,000 359 68.7
22792964 R/T REFI FULL $650,000 358 65.3
22793004 R/T REFI FULL $910,000 359 68.6
22793152 R/T REFI FULL $510,000 358 62.7
22793202 PURCH FULL $349,500 358 79.9
22793269 PURCH FULL $975,000 358 36.9
22793277 PURCH FULL $495,000 359 71.3
22793376 R/T REFI FULL $368,000 359 77.4
22793434 PURCH FULL $317,000 359 90.0
22794010 R/T REFI FULL $390,000 358 72.3
22794044 R/T REFI FULL $350,000 359 76.2
22794176 PURCH FULL $330,000 358 79.9
22794648 PURCH FULL $393,000 358 79.9
22794788 C/O REFI FULL $400,000 358 74.9
22795702 R/T REFI FULL $615,000 358 60.2
22795785 R/T REFI FULL $540,000 359 58.0
22795900 C/O REFI FULL $360,000 359 72.8
22795975 R/T REFI FULL $458,000 359 75.8
22796155 C/O REFI FULL $550,000 358 69.0
22796635 R/T REFI FULL $475,000 359 54.5
22796759 PURCH FULL $320,000 358 86.8
22797898 PURCH FULL $426,000 358 79.9
22798011 PURCH FULL $641,000 359 55.0
22798276 R/T REFI FULL $474,000 359 58.3
22798664 R/T REFI FULL $460,000 358 78.9
22798938 C/O REFI FULL $401,000 359 74.8
22799308 PURCH FULL $310,000 359 79.9
22799480 R/T REFI FULL $745,000 358 59.9
22799738 R/T REFI FULL $345,000 358 79.6
22799829 R/T REFI FULL $480,000 359 79.4
22799910 PURCH FULL $381,000 359 80.0
22800163 PURCH FULL $354,800 359 80.0
22800288 R/T REFI FULL $410,000 358 89.7
22800296 PURCH FULL $499,000 359 80.0
22800510 PURCH FULL $382,000 358 79.9
22800551 R/T REFI FULL $900,000 359 34.4
22801054 C/O REFI FULL $595,000 358 63.0
22801237 R/T REFI FULL $1,250,000 358 44.0
22801286 PURCH FULL $420,000 359 69.0
22801302 R/T REFI FULL $475,000 358 61.1
22801724 PURCH FULL $360,000 358 84.9
22801955 PURCH FULL $1,000,000 359 68.4
22802060 R/T REFI FULL $536,000 358 51.3
22802466 PURCH FULL $400,000 359 79.9
22802656 PURCH FULL $610,000 358 79.9
22803076 PURCH FULL $320,000 359 80.0
22803126 PURCH FULL $401,000 359 79.9
22803159 PURCH FULL $330,000 358 79.9
22803183 R/T REFI FULL $450,000 359 76.8
22803233 R/T REFI FULL $400,000 358 67.2
22803407 R/T REFI FULL $1,300,000 358 67.5
22803811 PURCH FULL $357,000 358 79.9
22803878 PURCH FULL $355,000 359 80.0
22804157 PURCH FULL $424,000 359 79.9
22804447 R/T REFI FULL $335,000 358 88.6
22804579 PURCH FULL $335,000 358 79.9
22804678 R/T REFI FULL $430,000 358 76.4
22804918 R/T REFI FULL $525,000 359 65.0
22805667 R/T REFI FULL $615,000 358 79.9
22805949 R/T REFI FULL $460,000 358 61.9
22805980 PURCH FULL $400,000 359 80.0
22806152 PURCH FULL $460,000 359 80.0
22806293 C/O REFI FULL $1,000,000 358 55.7
22806319 PURCH FULL $357,000 359 79.9
22806459 R/T REFI FULL $355,000 359 78.5
22806475 PURCH FULL $329,000 358 91.1
22806954 PURCH FULL $377,000 359 80.0
22807002 PURCH FULL $495,000 358 79.9
22807192 R/T REFI FULL $465,000 359 65.2
22807333 PURCH FULL $520,000 359 71.8
22807366 R/T REFI FULL $450,000 359 74.1
22807432 C/O REFI FULL $605,000 359 69.9
22807523 R/T REFI FULL $420,000 359 75.2
22807754 PURCH FULL $287,000 358 94.9
22808117 R/T REFI FULL $700,000 359 43.9
22808216 R/T REFI FULL $410,000 359 74.9
22808224 R/T REFI FULL $501,000 359 69.9
22808273 R/T REFI FULL $555,000 358 66.1
22808422 R/T REFI FULL $455,000 359 80.0
22808489 PURCH FULL $630,000 358 79.9
22808869 R/T REFI FULL $542,000 359 77.4
2280891R/T REFI FULL $546,400 359 70.0
22808935 R/T REFI FULL $740,000 359 64.7
22808976 C/O REFI FULL $475,000 359 80.0
22809040 PURCH FULL $385,000 359 80.0
22809115 PURCH FULL $460,000 360 80.0
22809628 PURCH FULL $465,000 353 72.8
22810105 R/T REFI FULL $445,000 359 75.0
22810196 C/O REFI FULL $525,000 359 49.5
22810857 PURCH FULL $485,000 359 79.4
22811228 R/T REFI FULL $576,000 359 80.0
22811707 R/T REFI FULL $352,000 358 70.1
22811863 PURCH FULL $307,500 359 88.4
22812291 R/T REFI FULL $500,000 358 68.7
22812614 PURCH FULL $380,000 358 79.9
22812713 C/O REFI REDUCED $435,000 359 69.8
22813000 PURCH FULL $330,000 359 84.8
22813174 PURCH FULL $350,000 359 79.9
22813208 PURCH FULL $350,000 359 77.1
22813349 PURCH FULL $810,000 359 74.3
22814776 PURCH FULL $432,500 358 79.9
22814834 PURCH FULL $345,000 359 76.1
22815088 PURCH FULL $380,000 359 80.0
22815153 C/O REFI FULL $1,000,000 358 40.0
22815393 PURCH FULL $290,000 359 80.0
22815617 R/T REFI FULL $480,000 360 80.0
22815716 R/T REFI FULL $1,430,000 359 38.2
22816359 R/T REFI FULL $395,000 358 72.2
22816631 C/O REFI FULL $685,000 358 66.8
22816938 R/T REFI FULL $404,000 358 66.8
22817100 PURCH FULL $435,000 358 79.9
22817589 R/T REFI FULL $685,000 358 64.9
22817852 PURCH FULL $600,000 359 80.0
22817886 PURCH FULL $855,000 359 55.5
22817944 R/T REFI FULL $730,000 359 71.9
22818017 PURCH FULL $221,000 358 79.9
22818249 PURCH FULL $445,000 359 70.0
22819312 PURCH FULL $780,000 359 80.0
22819577 PURCH FULL $300,000 359 79.9
22820799 C/O REFI FULL $377,000 358 71.5
22820872 PURCH FULL $1,040,000 358 65.1
22820922 PURCH FULL $276,000 358 94.9
22821367 PURCH FULL $523,000 359 80.0
22821466 PURCH FULL $298,000 358 79.9
22821532 PURCH FULL $330,000 360 80.0
22821722 R/T REFI FULL $475,000 359 66.6
22821987 PURCH FULL $397,000 358 79.9
22822225 PURCH FULL $429,870 358 89.9
22822910 C/O REFI FULL $337,000 359 75.0
22823207 PURCH FULL $320,000 359 94.4
22824932 PURCH FULL $430,000 358 79.8
22825186 R/T REFI FULL $1,150,000 359 41.5
22825434 PURCH FULL $302,000 359 80.0
22825525 PURCH FULL $412,000 358 79.9
22826333 R/T REFI FULL $400,000 359 71.7
22826432 R/T REFI FULL $322,000 359 90.0
22826796 R/T REFI FULL $345,000 359 79.0
22827323 R/T REFI FULL $575,000 359 69.6
22827364 R/T REFI FULL $720,000 359 44.8
22827570 PURCH FULL $560,000 359 79.9
22827653 R/T REFI FULL $650,000 359 62.3
22828396 PURCH FULL $370,000 359 80.0
22828420 R/T REFI FULL $500,000 359 80.0
22828925 PURCH FULL $498,000 359 80.0
22829170 C/O REFI FULL $492,000 358 68.5
22829220 C/O REFI FULL $600,000 359 67.5
22829451 R/T REFI FULL $370,000 359 74.1
22829576 R/T REFI REDUCED $370,000 359 78.4
22829741 PURCH FULL $380,000 358 79.9
22830061 PURCH FULL $308,000 359 90.0
22830095 PURCH FULL $351,000 358 79.9
22830541 R/T REFI FULL $725,000 358 68.2
22830624 PURCH FULL $355,000 359 75.0
22830798 C/O REFI FULL $1,200,000 359 45.8
22830905 PURCH FULL $328,000 358 79.9
22830913 R/T REFI FULL $625,000 359 53.8
22831002 PURCH FULL $455,000 359 79.2
22831234 PURCH FULL $620,000 359 48.6
22831457 C/O REFI FULL $380,000 359 72.0
22831630 PURCH FULL $346,000 358 84.9
22831689 PURCH FULL $595,000 359 80.0
22831812 C/O REFI FULL $490,000 358 61.2
22831820 PURCH FULL $420,000 359 79.9
22832224 C/O REFI FULL $375,000 359 71.7
22832265 PURCH FULL $320,000 359 95.0
22832281 R/T REFI FULL $405,000 359 63.5
22832489 PURCH FULL $640,000 359 79.0
22832562 R/T REFI FULL $1,400,000 359 38.6
22832596 C/O REFI FULL $465,000 358 64.5
22833032 C/O REFI FULL $433,000 359 72.7
22833180 PURCH FULL $850,000 359 76.5
22833198 PURCH FULL $600,000 358 79.9
22833339 C/O REFI FULL $490,000 359 66.3
22833370 R/T REFI FULL $385,000 359 80.0
22834386 PURCH FULL $132,000 359 79.9
22834691 R/T REFI FULL $450,000 359 76.7
22834741 PURCH FULL $400,000 359 80.0
22835490 R/T REFI FULL $525,000 359 60.1
22835607 R/T REFI FULL $850,000 360 68.2
22835961 PURCH FULL $480,000 359 79.9
22835995 PURCH FULL $539,000 359 74.8
22836092 PURCH FULL $350,000 358 79.9
22836324 PURCH FULL $385,000 359 80.0
22836431 R/T REFI FULL $405,000 359 77.4
22836662 PURCH FULL $420,000 359 71.4
22837074 PURCH FULL $550,000 359 71.4
22837108 R/T REFI FULL $460,000 359 75.9
22837405 R/T REFI FULL $362,000 359 79.1
22837439 PURCH FULL $390,000 359 75.3
22837488 R/T REFI FULL $440,000 360 71.4
22837660 PURCH FULL $315,000 358 79.9
22837918 C/O REFI FULL $402,000 359 74.6
22838130 R/T REFI FULL $280,000 358 89.2
22838148 R/T REFI FULL $351,500 359 78.3
22838163 R/T REFI FULL $375,000 358 79.2
22838395 R/T REFI FULL $895,000 359 47.5
22838866 PURCH FULL $425,000 359 79.9
22839419 PURCH FULL $468,000 360 80.0
22839625 R/T REFI FULL $485,000 358 59.8
22841332 PURCH FULL $670,000 359 80.0
22841571 C/O REFI FULL $940,000 359 69.1
22842033 PURCH FULL $460,000 358 79.9
22842231 PURCH FULL $358,000 358 79.9
22842512 PURCH FULL $405,000 359 80.0
22842934 PURCH FULL $179,000 358 79.9
22843130 PURCH FULL $196,000 358 79.9
22843320 R/T REFI FULL $512,000 359 68.4
22843502 R/T REFI FULL $500,000 358 59.0
22843544 PURCH FULL $344,000 359 80.0
22843957 PURCH FULL $365,000 359 79.9
22844245 PURCH FULL $324,000 359 90.0
22844674 PURCH FULL $680,000 359 66.8
22844856 R/T REFI FULL $560,000 359 74.1
22845374 R/T REFI FULL $450,000 358 76.7
22845424 PURCH FULL $320,000 359 95.0
22845556 C/O REFI FULL $365,000 358 69.5
22846638 R/T REFI FULL $575,000 359 60.0
22846661 R/T REFI FULL $475,000 359 68.2
22846687 PURCH FULL $502,000 359 80.0
22846711 PURCH FULL $320,000 359 95.0
22847362 R/T REFI FULL $608,500 358 79.9
22847404 R/T REFI FULL $415,000 358 79.9
22847446 PURCH FULL $395,000 359 80.0
22847461 PURCH FULL $345,000 359 79.9
22848006 PURCH FULL $330,000 359 80.0
22848188 R/T REFI FULL $575,000 358 79.9
22848212 PURCH FULL $282,000 359 80.0
22848733 PURCH FULL $325,000 359 79.9
22848766 R/T REFI FULL $490,000 359 80.0
22848816 R/T REFI FULL $750,000 359 46.5
22848824 PURCH FULL $346,000 358 79.9
22848840 PURCH FULL $350,000 359 80.0
22849293 PURCH FULL $335,000 358 79.9
22849392 C/O REFI FULL $485,000 359 61.9
22849400 R/T REFI FULL $330,000 359 80.0
22850192 R/T REFI FULL $730,000 238 78.6
22850705 R/T REFI FULL $850,000 359 45.4
22850960 R/T REFI FULL $403,000 359 79.4
22851372 R/T REFI FULL $378,000 358 79.9
22851463 PURCH FULL $429,000 358 76.0
22851505 R/T REFI FULL $462,000 359 64.4
22852008 PURCH FULL $331,000 358 79.9
22852362 PURCH FULL $483,000 360 80.0
22852560 PURCH FULL $328,000 359 79.9
22852743 PURCH FULL $283,000 359 88.7
22853105 C/O REFI FULL $507,000 359 70.0
22853139 R/T REFI FULL $380,000 359 80.0
22853253 PURCH FULL $315,000 359 80.0
22853329 R/T REFI FULL $615,000 359 79.7
22853519 PURCH FULL $339,000 359 80.0
22853873 PURCH FULL $455,000 359 88.9
22854145 R/T REFI FULL $340,000 358 75.4
22854202 PURCH FULL $320,000 359 90.0
22854665 PURCH FULL $325,000 359 80.0
22855035 R/T REFI FULL $750,000 359 66.4
22855365 C/O REFI FULL $505,000 359 75.0
22855423 C/O REFI FULL $490,000 359 62.0
22855431 PURCH FULL $405,000 359 80.0
22855647 PURCH FULL $407,000 359 74.1
22856009 R/T REFI FULL $430,000 358 79.9
22856017 R/T REFI FULL $499,000 359 77.2
22856041 PURCH FULL $465,000 358 79.9
22856975 PURCH FULL $935,000 358 69.5
22857163 R/T REFI FULL $400,000 359 78.4
22857189 R/T REFI FULL $385,000 359 71.2
22857338 PURCH FULL $375,000 359 80.0
22857379 PURCH FULL $540,000 359 74.1
22857445 PURCH FULL $295,000 359 94.9
22857494 PURCH FULL $354,000 359 90.0
22857528 PURCH FULL $378,000 358 89.8
22857593 PURCH FULL $400,000 359 74.9
22857940 R/T REFI FULL $937,000 359 38.1
22858724 PURCH FULL $415,000 358 79.9
22859086 PURCH FULL $420,000 358 79.9
22859698 PURCH FULL $550,000 358 79.9
22860019 PURCH FULL $391,000 359 79.7
22860407 R/T REFI FULL $360,000 358 88.3
22860571 PURCH FULL $74,500 359 80.0
22861165 PURCH FULL $650,000 359 80.0
22861249 PURCH FULL $695,000 359 80.0
22861363 R/T REFI FULL $388,000 359 79.9
22861496 C/O REFI FULL $475,000 358 66.3
22861520 PURCH FULL $280,000 359 92.6
22861561 PURCH FULL $380,000 360 80.0
22861868 PURCH FULL $390,000 360 80.0
22862205 PURCH FULL $370,000 359 79.9
22862221 PURCH FULL $505,000 359 80.0
22862288 R/T REFI FULL $426,000 359 80.0
22862585 PURCH FULL $456,000 358 77.7
22863054 R/T REFI FULL $500,000 359 58.0
22863260 PURCH FULL $305,000 359 79.9
22863328 PURCH FULL $625,000 359 80.0
22863716 PURCH FULL $618,000 359 79.9
22863823 PURCH FULL $415,000 359 80.0
22864318 R/T REFI FULL $535,000 358 63.0
22864359 C/O REFI FULL $485,000 358 57.7
22864789 PURCH FULL $376,000 359 80.0
22864995 R/T REFI FULL $408,000 359 77.2
22865182 R/T REFI FULL $362,500 358 79.9
22865760 PURCH FULL $470,000 359 79.9
22866271 PURCH FULL $385,000 359 80.0
22866289 R/T REFI FULL $505,000 359 71.5
22866461 PURCH FULL $500,000 358 78.8
22866479 PURCH FULL $585,000 359 80.0
22866651 R/T REFI FULL $345,000 358 79.9
22867030 R/T REFI FULL $623,000 359 46.7
22867253 PURCH FULL $322,000 358 89.9
22867394 PURCH FULL $382,500 359 73.9
22867527 C/O REFI FULL $600,000 358 61.6
22867790 PURCH FULL $392,000 359 79.9
22867824 R/T REFI FULL $900,000 359 69.1
22867865 PURCH FULL $368,000 359 80.0
22868186 C/O REFI FULL $550,000 359 72.2
22868293 PURCH FULL $364,000 359 90.0
22868418 C/O REFI FULL $800,000 359 68.8
22868954 R/T REFI FULL $400,000 359 74.8
22869135 R/T REFI FULL $350,000 359 77.6
22869432 PURCH FULL $530,000 358 76.7
22869796 C/O REFI FULL $419,000 359 74.0
22869978 R/T REFI FULL $485,000 359 80.0
22870083 PURCH FULL $286,000 359 94.3
22870182 PURCH FULL $318,000 359 80.0
22870216 PURCH FULL $520,500 360 51.3
22870265 C/O REFI FULL $750,000 359 69.3
22870869 PURCH FULL $365,000 359 80.0
22870950 PURCH FULL $398,000 359 79.9
22871222 PURCH FULL $275,000 359 90.0
22871545 R/T REFI FULL $365,000 359 80.0
22871628 PURCH FULL $299,900 358 91.7
22871669 PURCH FULL $372,000 359 80.0
22871891 PURCH FULL $315,000 359 79.9
22872402 PURCH FULL $355,000 359 90.0
22872410 PURCH FULL $390,000 359 88.6
22872667 PURCH FULL $350,000 358 78.7
22872733 R/T REFI FULL $340,000 358 87.5
22872824 PURCH FULL $325,000 359 82.5
22873079 PURCH FULL $385,000 358 79.9
22873665 PURCH FULL $179,000 359 79.9
22873871 PURCH FULL $615,000 359 80.0
22873988 PURCH FULL $298,000 359 80.0
22874812 PURCH FULL $820,000 359 61.7
22874978 R/T REFI FULL $400,000 359 74.9
22875082 PURCH FULL $325,000 359 84.6
22875090 R/T REFI FULL $1,100,000 359 58.6
22875280 PURCH FULL $540,000 359 79.9
22875405 PURCH FULL $450,000 359 66.7
22875751 PURCH FULL $315,000 359 80.0
22875793 R/T REFI FULL $370,000 359 67.8
22876015 R/T REFI FULL $358,000 359 79.3
22876148 PURCH FULL $382,000 359 89.9
22876288 PURCH FULL $420,000 357 79.5
22876445 PURCH FULL $400,000 358 79.9
22877344 R/T REFI FULL $365,000 359 77.3
22877500 PURCH FULL $420,000 359 80.0
22877559 PURCH FULL $349,000 359 80.0
22877682 PURCH FULL $250,000 359 69.7
22877716 PURCH FULL $428,000 359 80.0
22877930 PURCH FULL $410,000 359 80.0
22878458 PURCH FULL $393,000 359 90.0
22878979 PURCH FULL $300,000 357 93.8
22879043 R/T REFI FULL $358,000 358 78.6
22879381 R/T REFI FULL $600,000 357 49.7
22880371 R/T REFI FULL $330,000 359 90.0
22880843 PURCH FULL $467,000 359 70.0
22884407 PURCH FULL $380,000 359 80.0
22884662 R/T REFI FULL $450,000 357 79.8
22885065 R/T REFI FULL $330,000 359 74.2
22885099 PURCH FULL $167,000 359 80.0
22885636 R/T REFI FULL $380,000 359 78.9
22888879 PURCH FULL $494,000 360 80.0
22889323 R/T REFI FULL $360,000 359 88.9
22890263 R/T REFI FULL $370,000 359 77.1
22890701 PURCH FULL $395,000 359 89.9
22890776 C/O REFI FULL $410,000 359 75.0
22890990 PURCH FULL $380,000 359 80.0
22891386 PURCH FULL $300,000 359 90.0
22891535 R/T REFI FULL $375,000 359 79.3
22891550 PURCH FULL $343,000 359 90.0
22891675 C/O REFI FULL $500,000 359 75.0
22892558 PURCH FULL $334,000 359 89.9
22892889 R/T REFI FULL $575,000 359 60.4
22892913 C/O REFI FULL $655,000 359 72.8
22892921 R/T REFI FULL $475,000 359 74.3
22893838 PURCH FULL $195,000 359 80.0
22894109 PURCH FULL $380,000 359 80.0
22894638 PURCH FULL $338,000 359 80.0
22895106 PURCH FULL $270,000 359 94.9
22895528 PURCH FULL $415,000 359 78.4
22895726 PURCH FULL $287,000 359 89.9
22895940 PURCH FULL $421,000 359 79.8
22896047 PURCH FULL $250,000 359 79.9
22897268 PURCH FULL $849,500 359 42.8
22897425 R/T REFI FULL $370,800 359 75.0
22897607 PURCH FULL $501,000 360 59.9
22897698 PURCH FULL $612,000 359 80.0
22897870 PURCH FULL $417,000 359 89.9
22898712 PURCH FULL $590,000 359 80.0
22898753 PURCH FULL $342,000 359 80.0
22898829 PURCH FULL $355,000 359 80.0
22899033 PURCH FULL $380,000 360 80.0
22899603 C/O REFI FULL $325,000 359 75.0
22900310 PURCH FULL $346,000 359 80.0
22900419 PURCH FULL $585,000 359 51.7
22900773 R/T REFI FULL $330,000 359 79.9
22901193 C/O REFI FULL $415,000 359 74.2
22901672 PURCH FULL $585,000 359 80.0
22901680 R/T REFI FULL $450,000 359 76.6
22901979 R/T REFI FULL $436,000 359 63.5
22903314 PURCH FULL $415,000 359 79.3
22904254 C/O REFI FULL $395,000 359 74.9
22904312 PURCH FULL $298,000 357 94.8
22904965 R/T REFI FULL $415,000 359 66.7
22905285 PURCH FULL $490,000 359 80.0
22905467 PURCH FULL $620,000 359 80.0
22907539 C/O REFI FULL $350,000 359 75.0
22907885 R/T REFI FULL $685,000 359 61.2
22908081 PURCH FULL $315,000 359 90.0
22908396 R/T REFI FULL $360,000 359 76.3
22908537 PURCH FULL $375,000 359 89.9
22908586 PURCH FULL $440,000 359 79.9
22909154 C/O REFI FULL $395,000 359 70.2
22909485 R/T REFI FULL $400,000 359 79.0
22909907 C/O REFI FULL $400,000 360 75.0
22910137 PURCH FULL $320,000 360 95.0
22910152 PURCH FULL $280,000 359 94.9
22910228 R/T REFI FULL $360,000 359 80.0
22910665 R/T REFI FULL $360,000 359 70.8
22910699 C/O REFI FULL $395,000 359 75.0
22910814 R/T REFI FULL $620,000 357 78.9
22911457 PURCH FULL $527,000 359 79.9
22911523 R/T REFI FULL $825,000 359 69.9
22911614 R/T REFI FULL $915,000 360 43.5
22911663 PURCH FULL $442,000 359 72.5
22911861 PURCH FULL $385,000 359 77.9
22912026 C/O REFI FULL $650,000 359 63.5
22912034 R/T REFI FULL $730,000 359 76.3
22912240 R/T REFI FULL $344,000 359 75.0
22912596 PURCH FULL $305,000 359 90.0
22912950 R/T REFI FULL $368,000 360 70.4
22913172 R/T REFI FULL $420,000 359 74.2
22913826 PURCH FULL $363,000 359 80.0
22914147 R/T REFI FULL $355,000 360 70.9
22914444 R/T REFI FULL $283,000 359 88.6
22915078 PURCH FULL $415,000 359 80.0
22915219 R/T REFI FULL $420,000 359 67.0
22915342 R/T REFI FULL $525,000 359 70.0
22915532 PURCH FULL $440,000 358 79.9
22915557 PURCH FULL $449,500 358 79.8
22916225 R/T REFI FULL $449,000 359 77.6
22917629 PURCH FULL $317,000 359 94.9
22917710 C/O REFI FULL $365,000 359 75.0
22918791 PURCH FULL $393,000 359 80.0
22918981 PURCH FULL $419,000 359 72.0
22919021 PURCH FULL $676,000 359 80.0
22919120 PURCH FULL $374,000 359 80.0
22919161 PURCH FULL $528,000 359 79.9
22919237 PURCH FULL $337,000 359 80.0
22919294 PURCH FULL $93,000 359 80.0
22919567 R/T REFI FULL $480,000 359 76.0
22920359 PURCH FULL $350,000 359 80.0
22920664 PURCH FULL $420,000 359 90.0
22921027 PURCH FULL $480,000 359 80.0
22921290 PURCH FULL $670,000 359 80.0
22922082 R/T REFI FULL $420,000 359 66.7
22925341 PURCH FULL $860,000 360 75.8
22926406 PURCH FULL $350,000 359 80.0
22926455 PURCH FULL $472,000 359 80.0
22926521 PURCH FULL $368,000 359 80.0
22927479 PURCH FULL $850,000 359 76.5
22927503 PURCH FULL $485,000 360 64.7
22928626 PURCH FULL $356,000 359 80.0
22929301 PURCH FULL $331,000 360 79.8
22929350 PURCH FULL $315,000 359 79.9
22930333 PURCH FULL $143,000 359 79.9
22931398 C/O REFI FULL $430,000 359 75.0
22932289 PURCH FULL $402,000 359 80.0
22932974 PURCH FULL $326,000 359 80.0
22933691 PURCH FULL $427,000 359 80.0
22934780 PURCH FULL $445,000 359 64.0
22936272 PURCH FULL $303,000 359 90.0
22936363 C/O REFI FULL $400,000 361 76.3
22937031 R/T REFI FULL $500,000 359 62.0
22937395 R/T REFI FULL $474,000 360 80.0
22937676 PURCH FULL $540,000 359 80.0
22937718 PURCH FULL $470,000 359 80.0
22937783 PURCH FULL $404,500 359 67.8
22937833 PURCH FULL $495,000 359 80.0
22937924 PURCH FULL $349,000 359 90.0
22942098 PURCH FULL $350,000 359 80.0
22942262 C/O REFI FULL $630,000 360 68.3
22943484 PURCH FULL $316,000 359 80.0
22943492 PURCH FULL $570,000 359 80.0
22943542 C/O REFI FULL $517,000 359 75.0
22944490 PURCH FULL $377,500 360 80.0
22944847 R/T REFI FULL $460,000 360 74.4
22945273 R/T REFI FULL $485,000 360 73.7
22945281 R/T REFI FULL $520,000 359 78.8
22946164 PURCH FULL $505,000 359 80.0
22946271 PURCH FULL $475,000 360 80.0
22946784 R/T REFI FULL $325,000 359 80.0
22946842 PURCH FULL $530,000 359 53.9
22946891 PURCH FULL $619,000 359 80.0
22947840 PURCH FULL $525,000 359 80.0
22948442 R/T REFI FULL $340,000 359 80.0
22948798 PURCH FULL $450,000 359 74.9
22952477 PURCH FULL $326,000 359 80.0
22955561 PURCH FULL $301,000 360 95.0
22955777 R/T REFI FULL $800,000 359 68.8
22956833 R/T REFI FULL $775,000 359 77.4
22957088 R/T REFI FULL $1,150,000 359 46.4
22957872 PURCH FULL $540,000 359 80.0
22959076 PURCH FULL $500,000 359 80.0
22959456 PURCH FULL $400,000 360 71.3
22960652 PURCH FULL $320,000 360 80.0
22962955 PURCH FULL $386,000 360 80.0
22967319 PURCH FULL $470,000 359 74.6
22967327 PURCH FULL $485,000 359 80.0
22967350 PURCH FULL $825,000 359 79.9
22969042 R/T REFI FULL $670,000 360 68.7
22969521 PURCH FULL $466,000 359 80.0
22969620 PURCH FULL $452,000 359 63.5
22970206 PURCH FULL $405,000 359 76.0
22971584 R/T REFI FULL $400,000 360 76.8
22981740 R/T REFI FULL $340,000 358 77.6
22982235 R/T REFI FULL $600,000 358 47.8
22982284 R/T REFI FULL $325,000 358 79.3
22982375 PURCH FULL $560,000 358 64.2
22982458 PURCH FULL $425,000 358 73.7
22982490 R/T REFI FULL $398,000 359 72.3
22982557 PURCH FULL $355,000 357 79.9
22982599 R/T REFI FULL $430,000 359 66.3
22983613 PURCH FULL $375,000 360 85.0
22984843 C/O REFI FULL $465,000 357 73.9
22984959 R/T REFI FULL $517,000 359 80.0
22985048 PURCH FULL $405,000 357 79.9
22985089 R/T REFI FULL $330,000 358 79.9
22985139 R/T REFI FULL $292,500 358 89.9
22985154 R/T REFI FULL $560,000 359 73.0
22985220 R/T REFI FULL $410,000 355 86.6
22985618 PURCH FULL $413,000 358 75.7
22985626 R/T REFI FULL $490,000 358 69.6
22985634 R/T REFI FULL $580,000 358 79.9
22986301 PURCH FULL $341,000 357 78.0
22986343 PURCH FULL $435,000 358 89.9
22986467 PURCH FULL $800,000 358 79.9
22987366 R/T REFI FULL $365,000 357 71.8
22987457 R/T REFI FULL $410,000 357 72.2
22987507 PURCH FULL $390,000 358 79.9
22987523 R/T REFI FULL $460,000 358 79.9
22987614 R/T REFI FULL $369,000 357 72.0
22987705 C/O REFI FULL $375,000 358 74.9
22987754 PURCH FULL $340,000 357 79.9
22987788 R/T REFI FULL $475,000 357 74.0
22987887 R/T REFI FULL $310,000 238 87.1
22987945 R/T REFI FULL $350,000 359 75.0
22987986 R/T REFI FULL $365,000 359 72.2
22988034 R/T REFI FULL $740,000 359 62.8
22988166 PURCH FULL $375,000 358 79.9
22988190 C/O REFI FULL $440,000 359 73.4
22988208 R/T REFI FULL $485,000 359 67.0
22988224 R/T REFI FULL $380,000 357 70.4
22988257 PURCH FULL $557,000 357 79.9
22988273 R/T REFI FULL $320,000 359 80.0
22988315 PURCH FULL $342,000 358 79.8
22988323 R/T REFI FULL $612,500 359 48.2
22991657 PURCH FULL $475,000 359 80.0
22991806 R/T REFI FULL $450,000 359 75.0
22991913 R/T REFI FULL $328,500 358 74.1
22992010 R/T REFI FULL $355,000 358 72.8
22992077 R/T REFI FULL $450,000 358 76.2
22992085 C/O REFI FULL $410,000 359 73.2
22992119 R/T REFI FULL $380,000 359 80.0
22992150 R/T REFI FULL $575,000 359 67.8
22992184 R/T REFI FULL $353,500 357 74.9
26086389 PURCH REDUCED $680,000 360 75.0
27122431 R/T REFI FULL $425,000 360 69.3
27134303 PURCH REDUCED $729,000 360 58.6
27283761 R/T REFI FULL $410,000 360 71.5
27303742 R/T REFI REDUCED $480,000 359 61.5
27320605 R/T REFI FULL $276,000 360 88.8
27505478 R/T REFI REDUCED $445,000 359 56.2
27532233 R/T REFI FULL $670,000 359 64.9
27552975 C/O REFI REDUCED $675,000 359 69.9
27555366 PURCH FULL $480,000 359 74.9
27555887 C/O REFI FULL $412,500 360 74.7
27566447 C/O REFI REDUCED $965,000 359 67.4
27576537 R/T REFI FULL $490,000 359 79.8
27586411 PURCH FULL $526,000 359 79.9
27593664 PURCH FULL $280,000 359 94.9
27600279 C/O REFI REDUCED $495,000 359 64.6
27623073 R/T REFI REDUCED $997,000 358 50.1
27625045 R/T REFI FULL $390,000 359 79.8
27625060 PURCH REDUCED $500,000 359 76.9
27625292 R/T REFI FULL $480,000 359 56.8
27625631 R/T REFI FULL $450,000 359 57.6
27652346 PURCH REDUCED $720,000 359 80.0
27655638 R/T REFI FULL $485,000 359 75.5
27657691 C/O REFI REDUCED $440,000 359 69.1
27682517 PURCH REDUCED $360,000 359 80.0
27688332 C/O REFI REDUCED $750,000 359 36.4
27697952 PURCH FULL $423,000 359 77.3
27700608 R/T REFI REDUCED $830,000 359 43.0
27702539 PURCH FULL $290,400 359 89.7
27703040 PURCH REDUCED $198,000 359 79.9
27705797 R/T REFI REDUCED $500,000 359 75.4
27706399 PURCH FULL $300,000 359 95.0
27713635 R/T REFI FULL $447,000 359 77.9
27721273 PURCH REDUCED $500,000 359 79.9
27725647 C/O REFI FULL $460,000 359 75.0
27737188 PURCH REDUCED $345,000 359 90.0
27738830 C/O REFI FULL $378,000 359 70.0
27742824 R/T REFI FULL $410,000 359 75.6
27744465 R/T REFI REDUCED $655,000 358 75.9
27744648 R/T REFI FULL $525,000 359 80.0
27745751 C/O REFI FULL $395,000 359 75.0
27750934 R/T REFI FULL $389,000 359 79.9
27756824 R/T REFI REDUCED $335,000 359 74.6
27758804 R/T REFI REDUCED $515,000 359 62.1
27760149 PURCH FULL $340,000 359 80.0
27764927 R/T REFI FULL $440,000 359 75.5
27766138 R/T REFI REDUCED $330,000 359 77.6
27766690 R/T REFI FULL $330,000 360 90.0
27770783 R/T REFI FULL $435,000 358 76.6
27771120 PURCH REDUCED $360,000 359 90.0
27774033 PURCH REDUCED $725,000 359 55.2
27774082 R/T REFI FULL $1,000,000 359 55.0
27774413 R/T REFI FULL $440,000 359 74.9
27781822 C/O REFI FULL $670,000 359 45.5
27782010 R/T REFI REDUCED $800,000 359 72.4
27783257 R/T REFI FULL $690,000 361 52.3
27783786 PURCH REDUCED $300,100 359 79.9
27796937 R/T REFI FULL $365,000 359 69.5
27799568 R/T REFI FULL $755,000 359 37.3
27800929 PURCH FULL $495,000 359 80.0
27802180 PURCH REDUCED $326,000 359 80.0
27802966 PURCH FULL $700,000 359 80.0
27805084 PURCH REDUCED $265,000 359 79.9
27805852 R/T REFI FULL $480,000 360 76.3
27806074 PURCH REDUCED $590,000 359 65.5
27806116 R/T REFI FULL $370,000 359 73.2
27806587 PURCH REDUCED $489,000 359 61.3
27809326 PURCH REDUCED $640,000 359 78.1
27812551 R/T REFI REDUCED $775,000 359 51.4
27817980 PURCH REDUCED $355,000 359 80.0
27818509 R/T REFI REDUCED $365,000 359 75.4
27820570 R/T REFI FULL $540,000 359 74.1
27821321 C/O REFI FULL $1,360,000 359 23.9
27822725 C/O REFI REDUCED $1,175,000 359 54.1
27823293 PURCH FULL $280,000 359 89.9
27823806 R/T REFI REDUCED $407,000 359 63.3
27824630 R/T REFI REDUCED $395,000 359 64.9
27824705 R/T REFI FULL $400,000 359 76.6
27830926 C/O REFI REDUCED $910,000 359 54.8
27831064 PURCH REDUCED $446,000 359 80.0
27831452 R/T REFI REDUCED $450,000 359 79.8
27831551 C/O REFI REDUCED $890,000 359 59.0
27832617 C/O REFI REDUCED $367,000 359 75.0
27834738 PURCH FULL $520,000 359 65.4
27839182 C/O REFI FULL $650,000 359 66.1
27839349 PURCH FULL $550,000 360 61.5
27841147 R/T REFI REDUCED $380,000 359 78.7
27842368 R/T REFI REDUCED $315,000 359 78.7
27842590 C/O REFI FULL $420,000 359 73.8
27844877 R/T REFI FULL $360,000 360 79.2
27845007 PURCH REDUCED $615,000 359 80.0
27845866 C/O REFI FULL $640,000 359 74.9
27847987 R/T REFI REDUCED $390,000 359 79.9
27848548 C/O REFI REDUCED $732,000 359 63.3
27848829 C/O REFI FULL $535,000 359 69.2
27849447 C/O REFI REDUCED $775,000 359 75.0
27850734 PURCH REDUCED $530,000 359 62.3
27850999 C/O REFI REDUCED $550,000 359 70.0
27851203 R/T REFI REDUCED $360,000 359 73.6
27853779 C/O REFI FULL $375,000 359 75.0
27854124 R/T REFI REDUCED $955,000 360 34.8
27855055 R/T REFI REDUCED $420,000 359 61.4
27855139 PURCH REDUCED $280,000 359 94.6
27855543 C/O REFI FULL $450,000 359 73.3
27856855 PURCH FULL $405,000 360 80.0
27856939 R/T REFI REDUCED $500,000 359 69.4
27858299 R/T REFI REDUCED $500,000 359 64.0
27858356 PURCH REDUCED $450,000 360 80.0
27859099 C/O REFI REDUCED $890,000 359 69.9
27859453 C/O REFI REDUCED $365,000 359 74.9
27859487 R/T REFI REDUCED $590,000 359 71.4
27859586 R/T REFI REDUCED $315,000 359 87.3
27862705 PURCH FULL $340,000 359 90.0
27864685 PURCH FULL $470,000 359 79.9
27865146 R/T REFI FULL $365,000 359 79.9
27865203 C/O REFI REDUCED $400,000 359 75.0
27865393 PURCH REDUCED $362,000 360 80.0
27865807 R/T REFI FULL $638,000 360 58.8
27866185 PURCH FULL $446,000 359 59.8
27867464 C/O REFI REDUCED $660,000 359 48.5
27868660 C/O REFI FULL $510,000 359 73.5
27869502 R/T REFI REDUCED $480,000 359 80.0
27869684 PURCH REDUCED $822,000 360 64.5
27869759 R/T REFI REDUCED $382,250 359 80.0
27869833 C/O REFI REDUCED $500,000 359 72.3
27870195 PURCH FULL $335,000 359 80.0
27871268 PURCH REDUCED $674,000 360 80.0
27871896 R/T REFI REDUCED $1,050,000 359 43.1
27872324 R/T REFI FULL $846,000 359 53.7
27873389 R/T REFI FULL $322,000 360 79.8
27874064 PURCH REDUCED $900,000 359 72.6
27874130 R/T REFI REDUCED $625,000 359 55.2
27874767 PURCH REDUCED $312,000 359 80.0
27875103 PURCH FULL $393,500 359 80.0
27875160 PURCH REDUCED $640,000 359 51.3
27875855 PURCH FULL $700,000 359 79.9
27876119 PURCH REDUCED $355,000 359 79.9
27876192 PURCH REDUCED $710,000 360 80.0
27876713 R/T REFI REDUCED $490,000 359 74.6
27878024 PURCH REDUCED $415,000 359 80.0
27880012 R/T REFI FULL $705,000 359 42.3
27880228 PURCH REDUCED $825,000 359 78.7
27881267 R/T REFI REDUCED $600,000 359 71.1
27881861 PURCH REDUCED $508,000 360 80.0
27882794 PURCH REDUCED $387,500 359 80.0
27883917 R/T REFI REDUCED $460,000 359 69.6
27884261 R/T REFI FULL $1,460,000 359 51.0
27884725 PURCH FULL $315,000 359 80.0
27886811 PURCH REDUCED $395,000 359 79.9
27886878 PURCH FULL $830,000 360 79.3
27889898 R/T REFI FULL $350,000 359 73.1
27890086 PURCH REDUCED $833,371 360 80.0
27890532 R/T REFI REDUCED $730,000 359 51.0
27891035 R/T REFI FULL $750,000 359 65.1
27891811 R/T REFI REDUCED $545,000 359 53.0
27891944 R/T REFI FULL $401,500 359 76.2
27892520 R/T REFI REDUCED $1,150,000 359 55.8
27893221 PURCH REDUCED $370,000 359 80.0
27893510 C/O REFI FULL $1,065,000 359 42.3
27893908 R/T REFI FULL $640,000 360 74.6
27895853 R/T REFI REDUCED $445,000 359 79.2
27896844 R/T REFI FULL $800,000 360 68.3
27897941 C/O REFI REDUCED $1,000,000 359 65.0
27898048 R/T REFI REDUCED $482,000 359 79.8
27898097 R/T REFI REDUCED $525,000 359 61.0
27898162 R/T REFI FULL $590,000 359 47.8
27898212 R/T REFI FULL $750,000 359 67.2
27898360 R/T REFI REDUCED $740,000 359 66.8
27898378 C/O REFI REDUCED $490,000 359 74.5
27898519 C/O REFI FULL $950,000 359 43.6
27899392 PURCH REDUCED $750,000 359 54.1
27899525 PURCH REDUCED $320,000 359 80.0
27900299 PURCH FULL $325,000 359 76.9
27901248 C/O REFI REDUCED $475,000 359 75.0
27902485 PURCH REDUCED $686,000 359 58.4
27904093 PURCH REDUCED $440,000 359 68.2
27904887 C/O REFI FULL $710,000 360 70.0
27905421 R/T REFI FULL $630,000 360 70.0
27905819 C/O REFI FULL $552,000 360 74.3
27906429 PURCH REDUCED $288,000 360 95.0
27906528 PURCH FULL $560,000 359 72.7
27909191 PURCH REDUCED $380,000 359 78.9
27909274 PURCH FULL $465,000 359 79.9
27909431 PURCH REDUCED $372,000 359 80.0
27910280 PURCH REDUCED $453,000 359 80.0
27910405 C/O REFI REDUCED $1,280,000 360 41.5
27912138 PURCH FULL $380,000 360 80.0
27912351 R/T REFI FULL $470,000 359 67.3
27912989 R/T REFI REDUCED $501,000 359 79.4
27913029 R/T REFI REDUCED $350,000 359 75.4
27913086 R/T REFI REDUCED $335,000 359 78.4
27913342 PURCH FULL $330,000 359 90.0
27913730 R/T REFI REDUCED $372,000 359 79.1
27915453 R/T REFI FULL $390,000 359 80.0
27916675 PURCH FULL $565,000 359 75.0
27917442 R/T REFI REDUCED $350,000 359 79.9
27918317 PURCH REDUCED $322,000 359 80.0
27918606 PURCH REDUCED $328,000 359 80.0
27918689 R/T REFI REDUCED $640,000 359 60.2
27919943 PURCH REDUCED $450,000 360 62.2
27920669 PURCH REDUCED $671,000 360 80.0
27920917 R/T REFI REDUCED $395,000 359 69.9
27921261 PURCH FULL $280,000 360 95.0
27921345 C/O REFI FULL $530,000 360 56.6
27923861 PURCH REDUCED $543,500 360 80.0
27926294 PURCH REDUCED $369,000 359 79.9
27926740 R/T REFI REDUCED $313,000 359 79.9
27926955 R/T REFI REDUCED $723,000 359 74.0
27927391 PURCH REDUCED $508,000 360 80.0
27927730 R/T REFI FULL $336,000 359 77.4
27928233 PURCH REDUCED $816,000 359 80.0
27928506 R/T REFI REDUCED $370,000 360 85.0
27930577 PURCH FULL $550,000 359 80.0
27933290 R/T REFI FULL $405,000 360 77.5
27934983 R/T REFI FULL $508,000 359 73.3
27935832 R/T REFI REDUCED $655,000 359 74.2
27936178 R/T REFI FULL $505,000 359 76.1
27936509 R/T REFI REDUCED $630,000 359 79.4
27936517 PURCH REDUCED $410,000 359 77.3
27937515 R/T REFI FULL $450,000 360 80.0
27939511 R/T REFI REDUCED $545,000 359 49.5
27940360 C/O REFI FULL $540,000 359 71.3
27941152 R/T REFI REDUCED $420,000 359 71.4
27941376 R/T REFI FULL $305,000 360 79.8
27942572 R/T REFI REDUCED $465,000 359 68.0
27944487 R/T REFI REDUCED $486,000 360 72.8
27944917 R/T REFI FULL $335,000 359 75.2
27947100 PURCH FULL $340,000 359 93.8
27948793 PURCH REDUCED $730,783 360 80.0
27949544 PURCH REDUCED $895,000 359 73.0
27949577 R/T REFI REDUCED $392,000 360 69.6
27950641 C/O REFI REDUCED $455,000 299 75.0
27951276 PURCH REDUCED $689,000 359 79.9
27951920 PURCH REDUCED $480,000 359 80.0
27953181 PURCH REDUCED $475,000 359 80.0
27953637 PURCH FULL $280,000 359 75.0
27953959 PURCH REDUCED $465,000 360 80.0
27954262 PURCH REDUCED $400,000 359 80.0
27956580 PURCH REDUCED $338,000 359 90.0
27956614 C/O REFI REDUCED $435,000 360 74.7
27956846 PURCH REDUCED $338,000 359 79.9
27960582 PURCH FULL $237,500 359 79.9
27961408 PURCH FULL $651,000 360 80.0
27961556 R/T REFI FULL $3,100,000 359 25.8
27962356 PURCH REDUCED $385,000 359 89.9
27962471 R/T REFI FULL $325,000 359 77.1
27962638 C/O REFI REDUCED $430,000 359 75.0
27962737 C/O REFI FULL $750,000 359 49.1
27963990 R/T REFI REDUCED $835,000 359 62.5
27964931 PURCH FULL $775,000 359 79.9
27966456 PURCH REDUCED $427,000 359 79.9
27967108 R/T REFI FULL $791,000 359 75.9
27968106 R/T REFI FULL $300,000 359 82.2
27968189 R/T REFI REDUCED $400,000 359 80.0
27968411 PURCH FULL $545,000 360 74.5
27968429 R/T REFI FULL $420,000 359 79.7
27968601 R/T REFI FULL $435,000 359 79.9
27969245 PURCH FULL $640,000 359 80.0
27969963 PURCH FULL $361,116 359 89.7
27970342 PURCH REDUCED $510,000 359 78.4
27972017 R/T REFI FULL $500,000 359 63.0
27973882 R/T REFI REDUCED $420,000 359 58.8
27974153 PURCH REDUCED $430,000 359 74.9
27974476 R/T REFI FULL $415,000 360 80.0
27974906 PURCH FULL $600,000 359 66.7
27975556 R/T REFI REDUCED $1,100,000 359 45.5
27975564 PURCH REDUCED $690,000 359 80.0
27975630 R/T REFI REDUCED $655,000 359 62.2
27975697 PURCH REDUCED $340,500 359 79.9
27976133 R/T REFI FULL $1,065,000 359 28.6
27979194 R/T REFI REDUCED $675,000 359 54.4
27980598 R/T REFI REDUCED $365,000 359 74.9
27980655 PURCH REDUCED $525,000 360 80.0
27980754 C/O REFI FULL $650,000 360 61.5
27980770 PURCH REDUCED $550,000 359 79.9
27981026 C/O REFI FULL $1,100,000 359 59.1
27981422 PURCH REDUCED $475,000 360 79.9
27982230 PURCH FULL $500,000 359 80.0
27982503 PURCH REDUCED $375,000 359 80.0
27984087 C/O REFI REDUCED $785,000 360 47.4
27984335 R/T REFI REDUCED $368,000 360 80.0
27984376 R/T REFI FULL $522,500 359 76.6
27984566 R/T REFI REDUCED $330,000 360 80.0
27984624 R/T REFI REDUCED $525,000 359 57.1
27986561 R/T REFI FULL $950,000 359 51.6
27986637 PURCH FULL $460,000 360 80.0
27988328 C/O REFI FULL $360,000 360 75.0
27989466 C/O REFI REDUCED $830,000 360 56.0
27989649 R/T REFI REDUCED $768,000 359 68.6
27989813 R/T REFI REDUCED $360,000 359 78.6
27989961 R/T REFI FULL $420,000 359 79.0
27992486 PURCH FULL $349,000 360 90.0
27992981 PURCH REDUCED $368,000 360 80.0
27993492 C/O REFI REDUCED $550,000 360 58.6
27994433 PURCH FULL $490,000 359 79.2
27995034 PURCH REDUCED $330,000 360 90.0
27996024 PURCH REDUCED $847,000 360 75.0
27996156 R/T REFI REDUCED $370,000 359 67.6
27996222 PURCH FULL $423,000 360 73.3
27996552 R/T REFI REDUCED $370,000 360 73.8
27996594 PURCH REDUCED $545,000 360 67.9
27998848 C/O REFI REDUCED $465,000 359 69.9
27998889 C/O REFI FULL $650,000 360 47.7
27999739 C/O REFI FULL $430,000 359 72.0
27999788 PURCH REDUCED $307,000 359 89.9
28000263 C/O REFI FULL $510,000 360 68.5
28000271 PURCH FULL $468,000 360 70.0
28001576 PURCH REDUCED $600,000 360 69.2
28001733 C/O REFI REDUCED $440,000 360 72.7
28001808 R/T REFI REDUCED $435,000 360 58.9
28002145 PURCH FULL $550,000 360 80.0
28002244 R/T REFI REDUCED $403,000 360 76.1
28002459 R/T REFI REDUCED $1,013,000 360 41.5
28002558 C/O REFI FULL $580,000 360 58.8
28002582 C/O REFI REDUCED $450,000 359 70.0
28002608 R/T REFI FULL $950,000 359 36.8
28002624 R/T REFI REDUCED $415,000 360 71.2
28002632 C/O REFI FULL $635,000 359 64.6
28002640 R/T REFI REDUCED $385,000 360 79.7
28002665 PURCH FULL $439,000 360 89.0
28002707 R/T REFI REDUCED $460,000 360 70.9
28002749 R/T REFI FULL $420,000 360 74.6
28002798 PURCH REDUCED $645,000 360 68.2
28002897 R/T REFI REDUCED $625,000 359 51.2
28002905 R/T REFI FULL $660,000 360 51.4
28004075 C/O REFI FULL $480,000 360 75.0
28004281 PURCH REDUCED $387,500 359 80.0
28005239 R/T REFI REDUCED $494,000 360 80.0
28005668 PURCH REDUCED $825,000 360 62.5
28005841 R/T REFI REDUCED $750,000 360 75.0
28006138 R/T REFI REDUCED $510,000 360 58.6
28006435 R/T REFI REDUCED $369,000 360 71.8
28006567 R/T REFI FULL $600,000 359 66.6
28007458 C/O REFI REDUCED $725,000 359 69.0
28007789 R/T REFI REDUCED $460,000 360 75.0
28007888 R/T REFI FULL $925,000 360 70.3
28008068 PURCH REDUCED $446,000 359 72.3
28008100 PURCH REDUCED $478,000 359 80.0
28008118 R/T REFI REDUCED $925,000 359 70.0
28008811 R/T REFI REDUCED $305,000 360 89.5
28009090 PURCH REDUCED $445,000 359 80.0
28009223 R/T REFI REDUCED $475,000 360 60.8
28009231 R/T REFI FULL $860,000 360 52.3
28009272 R/T REFI REDUCED $503,000 360 58.0
28009298 R/T REFI REDUCED $490,000 360 69.0
28009439 R/T REFI FULL $515,000 360 66.6
28009603 R/T REFI REDUCED $610,000 360 56.6
28009850 R/T REFI FULL $515,000 360 77.6
28012029 PURCH REDUCED $425,000 359 69.9
28012078 PURCH REDUCED $340,000 359 90.0
28012557 PURCH REDUCED $555,000 359 63.9
28014116 PURCH REDUCED $504,000 360 59.5
28014199 R/T REFI REDUCED $415,000 359 88.4
28014645 R/T REFI REDUCED $610,000 359 50.5
28015469 R/T REFI REDUCED $520,000 359 64.6
28018786 PURCH REDUCED $465,000 359 80.0
28020352 PURCH REDUCED $325,000 360 80.0
28022648 R/T REFI REDUCED $780,000 359 69.9
28022937 C/O REFI REDUCED $560,000 359 63.4
28023380 PURCH REDUCED $400,000 360 80.0
28025369 PURCH FULL $190,000 359 79.9
28027324 PURCH REDUCED $815,000 360 44.8
28027571 C/O REFI FULL $380,000 359 75.0
28029569 C/O REFI REDUCED $535,000 360 67.7
28029650 R/T REFI REDUCED $527,000 359 79.9
28032209 PURCH FULL $705,000 360 44.7
28034726 C/O REFI FULL $565,000 359 51.5
28035723 R/T REFI FULL $750,000 360 50.4
28036200 R/T REFI FULL $620,000 359 58.7
28048007 R/T REFI REDUCED $440,000 360 67.3
28056786 PURCH FULL $480,000 360 73.7
28060853 PURCH REDUCED $582,000 360 80.0
28064707 C/O REFI FULL $520,000 360 62.5
<PAGE>
EXHIBIT E
REQUEST FOR RELEASE OF DOCUMENTS
[date]
To: The Bank of New York
101 Barclay Street - 12 E
New York, New York 10286
Attn: Inventory Control
Re: The Pooling and Servicing Agreement dated May 25, 1999, among
Bank of America Mortgage Securities, Inc., as Depositor,
NationsBanc Mortgage Corporation, as Servicer, Bank of America,
FSB, as Servicer, and The Bank of New York, as Trustee
In connection with the administration of the Mortgage Loans held by you,
as Custodian, pursuant to the above-captioned Pooling and Servicing Agreement,
we request the release, and hereby acknowledge receipt, of the Mortgage File for
the Mortgage Loan described below, for the reason indicated.
Mortgage Loan Number:
Mortgagor Name, Address & Zip Code:
Reason for Requesting Documents (check one)
____ 1. Mortgage Paid in Full
____ 2. Foreclosure
____ 3. Substitution
____ 4. Other Liquidation
____ 5. Nonliquidation Reason: ___________________
By:_______________________________________
(authorized signer of Bank of
America Mortgage Securities, Inc.)
Issuer:___________________________________
Address:__________________________________
__________________________________________
Date:_____________________________________
Custodian
The Bank of New York
Please acknowledge the execution of the above request by your signature and date
below:
__________________________________ _______________
Signature Date
Documents returned to Custodian:
__________________________________ _______________
Custodian Date
<PAGE>
EXHIBIT F
FORM OF CERTIFICATION OF ESTABLISHMENT OF ACCOUNT
[Date]
[_______________] hereby certifies that it has established a [__________]
Account pursuant to Section [________] of the Pooling and Servicing Agreement,
dated May 25, 1999, among Bank of America Mortgage Securities, Inc., as
Depositor, NationsBanc Mortgage Corporation, as Servicer, Bank of America, FSB,
as Servicer, and The Bank of New York, as
Trustee.
[_______________],
By:_______________________________________
Name:_____________________________________
Title:____________________________________
<PAGE>
EXHIBIT G-1
FORM OF TRANSFEROR CERTIFICATE
FOR TRANSFERS OF PRIVATE CERTIFICATES
[Date]
The Bank of New York
101 Barclay Street - 12 E
New York, New York 10286
Re: Bank of America Mortgage Securities, Inc., Mortgage
Pass-Through Certificates, Series 1999-5, Class ___,
having an initial aggregate Certificate Balance as of
May 25, 1999 of $___________
Ladies and Gentlemen:
This letter is delivered to you in connection with the transfer by
[______________] (the "Transferor") to [______________] (the "Transferee") of
the captioned Certificates (the "Transferred Certificates"), pursuant to Section
6.02 of the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement"), dated May 25, 1999, among Bank of America Mortgage Securities,
Inc., as Depositor, NationsBanc Mortgage Corporation, as Servicer, Bank of
America, FSB, as Servicer, and The Bank of New York, as Trustee. All capitalized
terms used herein and not otherwise defined shall have the respective meanings
set forth in the Pooling and Servicing Agreement. The Transferor hereby
certifies, represents and warrants to you, as Trustee, that:
1. The Transferor is the lawful owner of the Transferred
Certificates with the full right to transfer such Certificates free from
any and all claims and encumbrances whatsoever.
2. Neither the Transferor nor anyone acting on its behalf has (a)
offered, transferred, pledged, sold or otherwise disposed of any
Transferred Certificate, any interest in a Transferred Certificate or any
other similar security to any person in any manner, (b) solicited any
offer to buy or accept a transfer, pledge or other disposition of any
Transferred Certificate, any interest in a Transferred Certificate or any
other similar security from any person in any manner, (c) otherwise
approached or negotiated with respect to any Transferred Certificate, any
interest in a Transferred Certificate or any other similar security with
any person in any manner, (d) made any general solicitation with respect
to any Transferred Certificate, any interest in a Transferred Certificate
or any other similar security by means of general advertising or in any
other manner, or (e) taken any other action with respect to any
Transferred Certificate, any interest in a Transferred Certificate or any
other similar security, which (in the case of any of the acts described in
clauses (a) through (e) hereof) would constitute a distribution of the
Transferred Certificates under the Securities Act of 1933, as amended (the
"1933 Act"), would render the disposition of the Transferred Certificates
a violation of Section 5 of the 1933 Act or any state securities laws, or
would require registration or qualification of the Transferred
Certificates pursuant to the 1933 Act or any state securities laws.
Very truly yours,
__________________________________________
(Transferor)
By:_______________________________________
Name:_____________________________________
Title:____________________________________
<PAGE>
EXHIBIT G-2A
FORM I OF TRANSFEREE CERTIFICATE
FOR TRANSFERS OF PRIVATE CERTIFICATES
[Date]
The Bank of New York
101 Barclay Street - 12 E
New York, New York 10286
Re: Bank of America Mortgage Securities, Inc., Mortgage
Pass-Through Certificates, Series 1999-5, Class ___,
having an initial aggregate Certificate Balance as of
May 25, 1999 of $_________]
Ladies and Gentlemen:
This letter is delivered to you in connection with the transfer by
[_______________] (the "Transferor") to [_________________________________] (the
"Transferee") of the captioned Certificates (the "Transferred Certificates"),
pursuant to Section 6.02 of the Pooling and Servicing Agreement (the "Pooling
and Servicing Agreement"), dated May 25, 1999, among Bank of America Mortgage
Securities, Inc., as Depositor, NationsBanc Mortgage Corporation, as Servicer,
Bank of America, FSB, as Servicer, and The Bank of New York, as Trustee. All
capitalized terms used herein and not otherwise defined shall have the
respective meanings set forth in the Pooling and Servicing Agreement. The
Transferor hereby certifies, represents and warrants to you, as Trustee, that:
1. The Transferee is a "qualified institutional buyer" (a "Qualified
Institutional Buyer") as that term is defined in Rule 144A ("Rule 144A")
under the Securities Act of 1933, as amended (the "1933 Act"), and has
completed one of the forms of certification to that effect attached hereto
as Annex 1 and Annex 2. The Transferee is aware that the sale to it is
being made in reliance on Rule 144A. The Transferee is acquiring the
Transferred Certificates for its own account or for the account of another
Qualified Institutional Buyer, and understands that such Transferred
Certificates may be resold, pledged or transferred only (a) to a person
reasonably believed to be a Qualified Institutional Buyer that purchases
for its own account or for the account of another Qualified Institutional
Buyer to whom notice is given that the resale, pledge or transfer is being
made in reliance on Rule 144A, or (b) pursuant to another exemption from
registration under the 1933 Act.
2. The Transferee has been furnished with all information regarding
(a) the Depositor, (b) the Transferred Certificates and distributions
thereon, (c) the nature, performance and servicing of the Mortgage Loans,
(d) the Pooling and Servicing Agreement and the Trust created pursuant
thereto, (e) any credit enhancement mechanism associated with the
Transferred Certificate, and (f) all related matters, that it has
requested.
3. If the Transferee proposes that the Transferred Certificates be
registered in the name of a nominee, such nominee has completed the
Nominee Acknowledgment below.
Very truly yours,
__________________________________________
(Transferor)
By:_______________________________________
Name:_____________________________________
Title:____________________________________
<PAGE>
Nominee Acknowledgment
The undersigned hereby acknowledges and agrees that as to the Transferred
Certificates being registered in its name, the sole beneficial owner thereof is
and shall be the Transferee identified above, for whom the undersigned is acting
as nominee.
__________________________________________
(Nominee)
By:_______________________________________
Name:_____________________________________
Title:____________________________________
<PAGE>
ANNEX 1 TO EXHIBIT G-2A
QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A
[For Transferees Other Than Registered Investment Companies]
The undersigned hereby certifies as follows to [__________________] (the
"Transferor") and The Bank of New York, as Trustee, with respect to the mortgage
pass-through certificates (the "Transferred Certificates") described in the
Transferee certificate to which this certification relates and to which this
certification is an Annex:
1. As indicated below, the undersigned is the chief financial officer, a
person fulfilling an equivalent function, or other executive officer of the
entity purchasing the Transferred Certificates (the "Transferee").
2. The Transferee is a "qualified institutional buyer" as that term is
defined in Rule 144A ("Rule 144A") under the Securities Act of 1933, as amended,
because (i) the Transferee owned and/or invested on a discretionary basis
$______________________(1) in securities (other than the excluded securities
referred to below) as of the end of the Transferee's most recent fiscal year
(such amount being calculated in accordance with Rule 144A) and (ii) the
Transferee satisfies the criteria in the category marked below.
- ------------------
(1) Transferee must own and/or invest on a discretionary basis at least
$100,000,000 in securities unless Transferee is a dealer, and, in that
case, Transferee must own and/or invest on a discretionary basis at least
$10,000,000 in securities.
___ Corporation, etc. The Transferee is a corporation (other than a
bank, savings and loan association or similar institution),
Massachusetts or similar business trust, partnership, or any
organization described in Section 501(c)(3) of the Internal Revenue
Code of 1986.
___ Bank. The Transferee (a) is a national bank or a banking institution
organized under the laws of any state, U.S. territory or the
District of Columbia, the business of which is substantially
confined to banking and is supervised by the state or territorial
banking commission or similar official or is a foreign bank or
equivalent institution, and (b) has an audited net worth of at least
$25,000,000 as demonstrated in its latest annual financial
statements, a copy of which is attached hereto, as of a date not
more than 16 months preceding the date of sale of the Transferred
Certificates in the case of a U.S. bank, and not more than 18 months
preceding such date of sale in the case of a foreign bank or
equivalent institution.
___ Savings and Loan. The Transferee (a) is a savings and loan
association, building and loan association, cooperative bank,
homestead association or similar institution, which is supervised
and examined by a state or federal authority having supervision over
any such institutions, or is a foreign savings and loan association
or equivalent institute and (b) has an audited net worth of at least
$25,000,000 as demonstrated in its latest annual financial
statements, a copy of which is attached hereto, as of a date not
more than 16 months preceding the date of sale of the Transferred
Certificates in the case of a U.S. savings and loan association, and
not more than 18 months preceding such date of sale in the case of a
foreign savings and loan association or equivalent institution.
___ Broker-dealer. The Transferee is a dealer registered pursuant to
Section 15 of the Securities Exchange Act of 1934, as amended.
___ Insurance Company. The Transferee is an insurance company whose
primary and predominant business activity is the writing of
insurance or the reinsuring of risks underwritten by insurance
companies and which is subject to supervision by the insurance
commissioner or a similar official or agency of a state, U.S.
territory or the District of Columbia.
___ State or Local Plan. The Transferee is a plan established and
maintained by a state, its political subdivisions, or any agency
or instrumentality of the state or its political subdivisions,
for the benefit of its employees.
___ ERISA Plan. The Transferee is an employee benefit plan within the
meaning of Title I of the Employee Retirement Income Security Act of
1974.
___ Investment Advisor. The Transferee is an investment advisor
registered under the Investment Advisers Act of 1940.
___ Other. (Please supply a brief description of the entity and a
cross-reference to the paragraph and subparagraph under subsection
(a)(1) of Rule 144A pursuant to which it qualifies. Note that
registered investment companies should complete Annex 2 rather than
this Annex 1.)
3. The term "securities" as used herein does not include (i) securities of
issuers that are affiliated with the Transferee, (ii) securities that are part
of an unsold allotment to or subscription by the Transferee, if the Transferee
is a dealer, (iii) bank deposit notes and certificates of deposit, (iv) loan
participations, (v) repurchase agreements, (vi) securities owned but subject to
a repurchase agreement and (vii) currency, interest rate and commodity swaps.
For purposes of determining the aggregate amount of securities owned and/or
invested on a discretionary basis by the Transferee, the Transferee did not
include any of the securities referred to in this paragraph.
4. For purposes of determining the aggregate amount of securities owned
and/or invested on a discretionary basis by the Transferee, the Transferee used
the cost of such securities to the Transferee, unless the Transferee reports its
securities holdings in its financial statements on the basis of their market
value, and no current information with respect to the cost of those securities
has been published, in which case the securities were valued at market. Further,
in determining such aggregate amount, the Transferee may have included
securities owned by subsidiaries of the Transferee, but only if such
subsidiaries are consolidated with the Transferee in its financial statements
prepared in accordance with generally accepted accounting principles and if the
investments of such subsidiaries are managed under the Transferee's direction.
However, such securities were not included if the Transferee is a
majority-owned, consolidated subsidiary of another enterprise and the Transferee
is not itself a reporting company under the Securities Exchange Act of 1934, as
amended.
5. The Transferee is familiar with Rule 144A and understands that the
Transferor and other parties related to the Transferred Certificates are relying
and will continue to rely on the statements made herein because one or more
sales to the Transferee may be in reliance on Rule 144A.
____ ____ Will the Transferee be purchasing the
Yes No Transferred Certificates only for the
Transferee's own account?
6. If the answer to the foregoing question is "no," then in each case
where the Transferee is purchasing for an account other than its own, such
account belongs to a third party that is itself a "qualified institutional
buyer" within the meaning of Rule 144A, and the "qualified institutional buyer"
status of such third party has been established by the Transferee through one or
more of the appropriate methods contemplated by Rule 144A.
7. The Transferee will notify each of the parties to which this
certification is made of any changes in the information and conclusions herein.
Until such notice is given, the Transferee's purchase of the Transferred
Certificates will constitute a reaffirmation of this certification as of the
date of such purchase. In addition, if the Transferee is a bank or savings and
loan as provided above, the Transferee agrees that it will furnish to such
parties any updated annual financial statements that become available on or
before the date of such purchase, promptly after they become available.
__________________________________________
Print Name of Transferee
By:_______________________________________
Name:_____________________________________
Title:____________________________________
Date:_____________________________________
<PAGE>
ANNEX 2 TO EXHIBIT G-2A
QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A
[For Transferees That Are Registered Investment Companies]
The undersigned hereby certifies as follows to [_________________] (the
"Transferor") and The Bank of New York, as Trustee, with respect to the mortgage
pass-through certificates (the "Transferred Certificates") described in the
Transferee certificate to which this certification relates and to which this
certification is an Annex:
1. As indicated below, the undersigned is the chief financial officer, a
person fulfilling an equivalent function, or other executive officer of the
entity purchasing the Transferred Certificates (the "Transferee") or, if the
Transferee is a "qualified institutional buyer" as that term is defined in Rule
144A ("Rule 144A") under the Securities Act of 1933, as amended, because the
Transferee is part of a Family of Investment Companies (as defined below), is an
executive officer of the investment adviser (the "Adviser").
2. The Transferee is a "qualified institutional buyer" as defined in Rule
144A because (i) the Transferee is an investment company registered under the
Investment Company Act of 1940, and (ii) as marked below, the Transferee alone
owned and/or invested on a discretionary basis, or the Transferee's Family of
Investment Companies owned, at least $100,000,000 in securities (other than the
excluded securities referred to below) as of the end of the Transferee's most
recent fiscal year. For purposes of determining the amount of securities owned
by the Transferee or the Transferee's Family of Investment Companies, the cost
of such securities was used, unless the Transferee or any member of the
Transferee's Family of Investment Companies, as the case may be, reports its
securities holdings in its financial statements on the basis of their market
value, and no current information with respect to the cost of those securities
has been published, in which case the securities of such entity were valued at
market.
____ The Transferee owned and/or invested on a discretionary basis
$____________________ in securities (other than the excluded
securities referred to below) as of the end of the Transferee's most
recent fiscal year (such amount being calculated in accordance with
Rule 144A).
____ The Transferee is part of a Family of Investment Companies which
owned in the aggregate $__________________ in securities (other than
the excluded securities referred to below) as of the end of the
Transferee's most recent fiscal year (such amount being calculated
in accordance with Rule 144A).
3. The term "Family of Investment Companies" as used herein means two or
more registered investment companies (or series thereof) that have the same
investment adviser or investment advisers that are affiliated (by virtue of
being majority owned subsidiaries of the same parent or because one investment
adviser is a majority owned subsidiary of the other).
4. The term "securities" as used herein does not include (i) securities of
issuers that are affiliated with the Transferee or are part of the Transferee's
Family of Investment Companies, (ii) bank deposit notes and certificates of
deposit, (iii) loan participations, (iv) repurchase agreements, (v) securities
owned but subject to a repurchase agreement and (vi) currency, interest rate and
commodity swaps. For purposes of determining the aggregate amount of securities
owned and/or invested on a discretionary basis by the Transferee, or owned by
the Transferee's Family of Investment Companies, the securities referred to in
this paragraph were excluded.
5. The Transferee is familiar with Rule 144A and understands that the
Transferor and other parties related to the Transferred Certificates are relying
and will continue to rely on the statements made herein because one or more
sales to the Transferee will be in reliance on Rule 144A.
____ ____ Will the Transferee be purchasing the
Yes No Transferred Certificates only for the
Transferee's own account?
6. If the answer to the foregoing question is "no," then in each case
where the Transferee is purchasing for an account other than its own, such
account belongs to a third party that is itself a "qualified institutional
buyer" within the meaning of Rule 144A, and the "qualified institutional buyer"
status of such third party has been established by the Transferee through one or
more of the appropriate methods contemplated by Rule 144A.
7. The undersigned will notify the parties to which this certification is
made of any changes in the information and conclusions herein. Until such
notice, the Transferee's purchase of the Transferred Certificates will
constitute a reaffirmation of this certification by the undersigned as of the
date of such purchase.
__________________________________________
Print Name of Transferee or Adviser
By:_______________________________________
Name:_____________________________________
Title:____________________________________
IF AN ADVISER:
__________________________________________
Print Name of Transferee
By:_______________________________________
Date:_____________________________________
<PAGE>
EXHIBIT G-2B
FORM II OF TRANSFEREE CERTIFICATE
FOR TRANSFERS OF PRIVATE CERTIFICATES
[Date]
The Bank of New York
101 Barclay Street-12 E
New York, New York 10286
Re: Bank of America Mortgage Securities, Inc., Mortgage
Pass-Through Certificates, Series 1999-5, Class ___,
having an initial aggregate Certificate Principal
Balance as of May 25, 1999 of $_________
Ladies and Gentlemen:
This letter is delivered to you in connection with the transfer by
[_______________________] (the "Transferor") to
[_________________________________] (the "Transferee") of the captioned
Certificates (the "Transferred Certificates"), pursuant to Section 6.02 of the
Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated
May 25, 1999, among Bank of America Mortgage Securities, Inc., as Depositor,
NationsBanc Mortgage Corporation, as Servicer, Bank of America, FSB as Servicer,
and The Bank of New York, as Trustee. All capitalized terms used herein and not
otherwise defined shall have the respective meanings set forth in the Pooling
and Servicing Agreement. The Transferor hereby certifies, represents and
warrants to you, as Trustee, that:
1. Transferee is acquiring the Transferred Certificates for its own
account for investment and not with a view to or for sale or transfer in
connection with any distribution thereof, in whole or in part, in any manner
which would violate the Securities Act of 1933, as amended (the "1933 Act"), or
any applicable state securities laws.
2. Transferee understands that (a) the Transferred Certificates have not
been and will not be registered under the 1933 Act or registered or qualified
under any applicable state securities laws, (b) neither the Depositor nor the
Trustee is obligated so to register or qualify the Transferred Certificates and
(c) neither the Transferred Certificates nor any security issued in exchange
therefor or in lieu thereof may be resold or transferred unless such resale or
transfer is exempt from the registration requirements of the 1933 Act and any
applicable state securities laws or is made in accordance with the 1933 Act and
laws, in which case (i) unless the transfer is made in reliance on Rule 144A
under the 1933 Act, the Trustee or the Depositor may require a written Opinion
of Counsel (which may be in-house counsel) acceptable to and in form and
substance reasonably satisfactory to the Trustee and the Depositor that such
transfer may be made pursuant to an exemption, describing the applicable
exemption and the basis therefor, from the 1933 Act and such laws or is being
made pursuant to the 1933 Act and such laws, which Opinion of Counsel shall not
be an expense of the Trustee or the Depositor and (ii) the Trustee shall require
a certificate from the Certificateholder desiring to effect such transfer
substantially in the form attached to the Pooling and Servicing Agreement as
Exhibit G-1 and a certificate from such Certificateholder's prospective
transferee substantially in the form attached to the Pooling and Servicing
Agreement either as Exhibit G-2A or as Exhibit G-2B, which certificates shall
not be an expense of the Trustee or the Depositor; provided that the foregoing
requirements under clauses (i) and (ii) shall not apply to a transfer of a
Private Certificate between or among the Depositor, the Seller, their affiliates
or both.
3. The Transferee understands that it may not sell or otherwise transfer
the Transferred Certificates, any security issued in exchange therefor or in
lieu thereof or any interest in the foregoing except in compliance with the
provisions of Section 6.02 of the Pooling and Servicing Agreement, which
provisions it has carefully reviewed, and that the Transferred Certificates will
bear legends substantially to the following effect:
THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933,
AS AMENDED (THE "1933 ACT"). ANY RESALE OR TRANSFER OF THIS CERTIFICATE
WITHOUT REGISTRATION THEREOF UNDER THE 1933 ACT MAY ONLY BE MADE IN A
TRANSACTION EXEMPTED FROM THE REGISTRATION REQUIREMENTS OF THE 1933 ACT
AND IN ACCORDANCE WITH THE PROVISIONS OF THE POOLING AND SERVICING
AGREEMENT REFERRED TO HEREIN.
UNDER CURRENT LAW THE PURCHASE AND HOLDING OF THIS CERTIFICATE BY OR ON
BEHALF OF ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN
INDIVIDUAL RETIREMENT ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME
SECURITY ACT OF 1974, AS AMENDED ("ERISA"), THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE"), OR ANY FEDERAL, STATE OR LOCAL LAW
("SIMILAR LAW") WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A
"PLAN"), MAY RESULT IN "PROHIBITED TRANSACTIONS" WITHIN THE MEANING OF
ERISA, THE CODE OR SIMILAR LAW. TRANSFER OF THIS CERTIFICATE WILL NOT BE
MADE UNLESS THE TRANSFEREE DELIVERS TO THE TRUSTEE EITHER (I) A
REPRESENTATION LETTER, IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE,
STATING THAT (A) IT IS NOT, AND IS NOT ACTING ON BEHALF OF, ANY SUCH PLAN
OR USING THE ASSETS OF ANY SUCH PLAN TO EFFECT SUCH PURCHASE OR (B) IF IT
IS AN INSURANCE COMPANY, THAT THE SOURCE OF FUNDS USED TO PURCHASE THIS
CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (AS SUCH TERM IS
DEFINED IN SECTION V(E) OF PROHIBITED TRANSACTION CLASS EXEMPTION 95-60
("PTE 95-60"), 60 FED. REG. 35925 (JULY 12, 1995)), THERE IS NO BENEFIT
PLAN WITH RESPECT TO WHICH THE AMOUNT OF SUCH GENERAL ACCOUNT'S RESERVES
AND LIABILITIES FOR THE CONTRACT(S) HELD BY OR ON BEHALF OF SUCH BENEFIT
PLAN AND ALL OTHER BENEFIT PLANS MAINTAINED BY THE SAME EMPLOYER (OR
AFFILIATE THEREOF AS DEFINED IN SECTION V(A)(1) OF PTE 95-60) OR BY THE
SAME EMPLOYEE ORGANIZATION EXCEEDS 10% OF THE TOTAL OF ALL RESERVES AND
LIABILITIES OF SUCH GENERAL ACCOUNT (AS SUCH AMOUNTS ARE DETERMINED UNDER
SECTION I(A) OF PTE 95-60) AT THE DATE OF ACQUISITION AND ALL PLANS THAT
HAVE AN INTEREST IN SUCH GENERAL ACCOUNT ARE PLANS TO WHICH PTE 95-60
APPLIES, OR (II) AN OPINION OF COUNSEL, IN FORM AND SUBSTANCE SATISFACTORY
TO THE TRUSTEE AND THE SERVICERS, TO THE EFFECT THAT THE PURCHASE OR
HOLDING OF THIS CERTIFICATE BY OR ON BEHALF OF SUCH PLAN WILL NOT RESULT
IN THE ASSETS OF THE TRUST BEING DEEMED TO BE "PLAN ASSETS" AND SUBJECT TO
THE PROHIBITED TRANSACTION PROVISIONS OF ERISA, THE CODE OR SIMILAR LAW
AND WILL NOT SUBJECT THE DEPOSITOR, THE SERVICERS OR THE TRUSTEE TO ANY
OBLIGATION IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING AND SERVICING
AGREEMENT. EACH PERSON WHO ACQUIRES THIS CERTIFICATE OR ANY INTEREST
THEREIN SHALL BE DEEMED TO HAVE MADE THE REPRESENTATIONS REQUIRED BY THE
REPRESENTATION LETTER REFERRED TO IN THE PRECEDING SENTENCE UNLESS SUCH
PERSON SHALL HAVE PROVIDED SUCH REPRESENTATION LETTER OR THE OPINION OF
COUNSEL REFERRED TO IN THE PRECEDING SENTENCE TO THE TRUSTEE. THE POOLING
AND SERVICING AGREEMENT PROVIDES THAT ANY ATTEMPTED OR PURPORTED TRANSFER
IN VIOLATION OF THESE TRANSFER RESTRICTIONS WILL BE NULL AND VOID AND WILL
VEST NO RIGHTS IN ANY PURPORTED TRANSFEREE.
4. Neither the Transferee nor anyone acting on its behalf has (a) offered,
transferred, pledged, sold or otherwise disposed of any Transferred Certificate,
any interest in a Transferred Certificate or any other similar security to any
person in any manner, (b) solicited any offer to buy or accept a transfer,
pledge or other disposition of any Transferred Certificate, any interest in a
Transferred Certificate or any other similar security from any person in any
manner, (c) otherwise approached or negotiated with respect to any Transferred
Certificate, any interest in a Transferred Certificate or any other similar
security with any person in any manner, (d) made any general solicitation by
means of general advertising or in any other manner, or (e) taken any other
action, that (in the case of any of the acts described in clauses (a) through
(e) above) would constitute a distribution of the Transferred Certificates under
the 1933 Act, would render the disposition of the Transferred Certificates a
violation of Section 5 of the 1933 Act or any state securities law or would
require registration or qualification of the Transferred Certificates pursuant
thereto. The Transferee will not act, nor has it authorized nor will it
authorize any person to act, in any manner set forth in the foregoing sentence
with respect to the Transferred Certificates, any interest in the Transferred
Certificates or any other similar security.
5. The Transferee has been furnished with all information regarding (a)
the Depositor, (b) the Transferred Certificates and distributions thereon, (c)
nature, performance and servicing of the Mortgage Loans., (d) the Pooling and
Servicing Agreement and the Trust created pursuant thereto, (e) any credit
enhancement mechanism associated with the Transferred Certificates, and (f) all
related matters, that it has requested.
6. The Transferee is an "accredited investor" within the meaning of
paragraph (1), (2), (3) or (7) of Rule 501 (a) under the 1933 Act or an entity
in which all the equity owners come within such paragraphs and has such
knowledge and experience in financial and business matters as to be capable of
evaluating the merits and risks of an investment in the Transferred
Certificates; the Transferee has sought such accounting, legal and tax advice as
it has considered necessary to make an informed investment decision; and the
Transferee is able to bear the economic risks of such an investment and can
afford a complete loss of such investment.
7. If the Transferee proposes that the Transferred Certificates be
registered in the name of a nominee, such nominee has completed the Nominee
Acknowledgment below.
Very truly yours,
__________________________________________
(Transferee)
By:_______________________________________
Name:_____________________________________
Title:____________________________________
Date:_____________________________________
<PAGE>
Nominee Acknowledgment
The undersigned hereby acknowledges and agrees that as to the Transferred
Certificates being registered in its name, the sole beneficial owner thereof is
and shall be the Transferee identified above, for whom the undersigned is acting
as nominee.
__________________________________________
(Nominee)
By:_______________________________________
Name:_____________________________________
Title:____________________________________
<PAGE>
EXHIBIT H
FORM OF TRANSFEREE REPRESENTATION LETTER
FOR BENEFIT PLAN-RESTRICTED CERTIFICATES
The Bank of New York
101 Barclay Street - 12 E
New York, New York 10286
Re: Bank of America Mortgage Securities, Inc., Mortgage
Pass-Through Certificates, Series 1999-5, Class ___,
having an initial aggregate Certificate Principal
Balance as of May 25, 1999 of $_________
Ladies and Gentlemen:
This letter is delivered to you in connection with the transfer by
[_______________________] (the "Transferor") to
[________________________________] (the "Transferee") of the captioned
Certificates (the "Transferred Certificates"), pursuant to Section 6.02 of the
Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated
May 25, 1999, among Bank of America Mortgage Securities, Inc., as Depositor,
NationsBanc Mortgage Corporation, as Servicer, Bank of America, FSB, as
Servicer, and The Bank of New York, as Trustee. All capitalized terms used
herein and not otherwise defined shall have the respective meanings set forth in
the Pooling and Servicing Agreement.
The Transferee hereby certifies, represents and warrants to you, as
Trustee, either that:
(a) it is not, and is not acting on behalf of, an employee benefit plan or
arrangement, including an individual retirement account, subject to the Employee
Retirement Income Security Act of 1974, as amended ("ERISA"), the Internal
Revenue Code of 1986, as amended (the "Code"), or any federal, state or local
law ("Similar Law") which is similar to ERISA or the Code (collectively, a
"Plan"), and it is not using the assets of any such Plan to effect the purchase
of the Transferred Certificates; or
(b) it is an insurance company and the source of funds used to purchase
the Transferred Certificates is an "insurance company general account" (as
defined in Section V(e) of Prohibited Transaction Class Exemption 95-60 ("PTE
95-60"), 60 Fed. Reg. 35925 (July 12, 1995)), there is no Plan with respect to
which the amount of such general account's reserves and liabilities for the
contract(s) held by or on behalf of such Plan and all other Plans maintained by
the same employer (or affiliate thereof as defined in Section V(a)(1) of PTE
95-60) or by the same employee organization exceeds 10% of the total of all
reserves and liabilities of such general account (as such amounts are determined
under Section I(a) of PTE 95-60) at the date of acquisition and all Plans that
have an interest in such general account are Plans to which PTE 95-60 applies.
Capitalized terms used in and not otherwise defined herein shall have the
meaning assigned to them in the Pooling and Servicing Agreement.
Very truly yours,
__________________________________________
(Transferee)
By:_______________________________________
Name:_____________________________________
Title:____________________________________
Date:_____________________________________
<PAGE>
EXHIBIT I
FORM OF AFFIDAVIT REGARDING TRANSFER OF
RESIDUAL CERTIFICATES PURSUANT TO SECTION 6.02
Bank of America Mortgage Securities, Inc.
Mortgage Pass-Through Certificates,
Series 1999-5
STATE OF )
) ss:
COUNTY OF )
The undersigned, being first duly sworn, deposes and says as follows:
1. The undersigned is an officer of _______________________________, the
proposed transferee (the "Transferee") of the Class A-R Certificate (the
"Certificate") issued pursuant to the Pooling and Servicing Agreement, dated May
25, 1999, (the "Agreement"), relating to the above-referenced Series, by and
among Bank of America Mortgage Securities, Inc., as depositor (the "Depositor"),
NationsBanc Mortgage Corporation, as servicer, Bank of America, FSB as servicer,
and The Bank of New York, as trustee. Capitalized terms used but not defined
herein shall have the meanings ascribed to such terms in the Agreement. The
Transferee has authorized the undersigned to make this affidavit on behalf of
the Transferee.
2. The Transferee is, as of the date hereof, and will be, as of the date
of the transfer, a Permitted Transferee. The Transferee is acquiring the Class
A-R Certificate either (i) for its own account or (ii) as nominee, trustee or
agent for another Person who is a Permitted Transferee and has attached hereto
an affidavit from such Person in substantially the same form as this affidavit.
The Transferee has no knowledge that any such affidavit is false.
3. The Transferee has been advised of, and understands that (i) a tax will
be imposed on Transfers of the Class A-R Certificate to Persons that are not
Permitted Transferees; (ii) such tax will be imposed on the transferor, or, if
such transfer is through an agent (which includes a broker, nominee or
middleman) for a Person that is not a Permitted Transferee, on the agent; and
(iii) the Person otherwise liable for the tax shall be relieved of liability for
the tax if the subsequent Transferee furnished to such Person an affidavit that
such subsequent Transferee is a Permitted Transferee and, at the time of
transfer, such Person does not have actual knowledge that the affidavit is
false.
4. The Transferee has been advised of, and understands that a tax will be
imposed on a "pass-through entity" holding the Certificate if at any time during
the taxable year of the pass-through entity a Person that is not a Permitted
Transferee is the record Holder of an interest in such entity. The Transferee
understands that, other than in the case of an "electing large partnership"
under Section 775 of the Code, such tax will not be imposed for any period with
respect to which the record Holder furnishes to the pass-through entity an
affidavit that such record Holder is a Permitted Transferee and the pass-through
entity does not have actual knowledge that such affidavit is false. (For this
purpose, a "pass-through entity" includes a regulated investment company, a real
estate investment trust or common trust fund, a partnership, trust or estate,
and certain cooperatives and, except as may be provided in Treasury Regulations,
persons holding interests in pass-through entities as a nominee for another
Person.)
5. The Transferee has reviewed the provisions of Section 6.02 of the
Agreement and understands the legal consequences of the acquisition of the Class
A-R Certificate including, without limitation, the restrictions on subsequent
Transfers and the provisions regarding voiding the transfer and mandatory sales.
The Transferee expressly agrees to be bound by and to abide by the provisions of
Section 6.02 of the Agreement and the restrictions noted on the face of the
Certificate. The Transferee understands and agrees that any breach of any of the
representations included herein shall render the transfer to the Transferee
contemplated hereby null and void.
6. The Transferee agrees to require a transfer affidavit in the form of
this Affidavit from any Person to whom the Transferee attempts to transfer the
Class A-R Certificate, and in connection with any transfer by a Person for whom
the Transferee is acting as nominee, trustee or agent, and the Transferee will
not transfer the Class A-R Certificate or cause the Class A-R Certificate to be
transferred to any Person that the Transferee knows is not a Permitted
Transferee.
7. The Transferee historically has paid its debts as they have become due.
8. The Transferee does not have the intention to impede the assessment or
collection of any tax legally required to be paid with respect to the Class A-R
Certificate.
9. The Transferee's taxpayer identification number is __________________.
10. The Transferee is a U.S. Person as defined in Code Section
7701(a)(30).
11. The Transferee is aware that the Class A-R Certificate may be a
"noneconomic residual interest" within the meaning of proposed Treasury
Regulations promulgated pursuant to the Code and that the transferor of a
noneconomic residual interest will remain liable for any taxes due with respect
to the income on such residual interest, unless no significant purpose of the
transfer was to impede the assessment or collection of tax. The Transferee
understands that it may incur tax liabilities with respect to the Class A-R
Certificate in excess of cash flows generated thereby, and agrees to pay taxes
associated with holding the Class A-R Certificate as such taxes become due.
12. The Transferee is not an employee benefit plan or arrangement,
including an individual retirement account, subject to ERISA, the Code or any
federal, state or local law which is similar to ERISA or the Code, and the
Transferee is not acting on behalf of such a plan or arrangement.
* * *
<PAGE>
IN WITNESS WHEREOF, the Transferee has caused this instrument to be
executed on its behalf, pursuant to authority of its Board of Directors, by its
duly authorized officer this _____ day of ________________, ____.
__________________________________________
Print Name of Transferee
By:_______________________________________
Name:
Title:
Personally appeared before me the above-named __________________________,
known or proved to me to be the same person who executed the foregoing
instrument and to be the _______________________ of the Transferee, and
acknowledged that he executed the same as his free act and deed and the free act
and deed of the Transferee.
Subscribed and sworn before me this _____ day of __________________, ____
__________________________________________
NOTARY PUBLIC
My Commission expires the ____ day of
______________, ____
<PAGE>
EXHIBIT J
CONTENTS OF EACH SERVICER MORTGAGE FILE
1. Copies of Mortgage Loans Documents.
2. Residential loan application.
3. Mortgage Loan closing statement.
4. Verification of employment and income, if required.
5. Verification of acceptable evidence of source and amount of downpayment.
6. Credit report on Mortgagor, in a form acceptable to either FNMA or
FHLMC.
7. Residential appraisal report.
8. Photograph of the Mortgaged Property.
9. Survey of the Mortgaged Property, unless a survey is not required by the
title insurer.
10. Copy of each instrument necessary to complete identification of any
exception set forth in the exception schedule in the title policy, i.e.,
map or plat, restrictions, easements, home owner association declarations,
etc.
11. Copies of all required disclosure statements.
12. If applicable, termite report, structural engineer's report, water
potability and septic certification.
13. Sales Contract, if applicable.
14. The Primary Insurance Policy or certificate of insurance or an electronic
notation of the existence of such policy, where required pursuant to the
Agreement.
15. Evidence of electronic notation of the hazard insurance policy, and if
required by law, evidence of the flood insurance policy.
<PAGE>
EXHIBIT K
FORM OF SPECIAL SERVICING AND COLLATERAL FUND AGREEMENT
This SPECIAL SERVICING AND COLLATERAL FUND AGREEMENT (the "Agreement") is
made and entered into as of ______________, among NationsBanc Mortgage
Corporation, Bank of America, FSB (each a "Servicer," and together, the
"Servicers") and ______________________ (the "Purchaser").
PRELIMINARY STATEMENT
_________________ is the holder of the entire interest in Bank of America
Mortgage Securities, Inc.; Mortgage Pass-Through Certificates, Series ______,
Class ____ (the "Class B Certificates"). The Class B Certificates were issued
pursuant to a Pooling and Servicing Agreement dated ___________________among
Bank of America Mortgage Securities, Inc., as depositor (the "Depositor"), the
Servicers, and The Bank of New York, as Trustee.
______________________ intends to resell all of the Class B Certificates
directly to the Purchaser on or promptly after the date hereof.
In connection with such sale, the parties hereto have agreed that each
Servicer will engage in certain special servicing procedures relating to
foreclosures of the Mortgage Loans serviced by such Servicer for the benefit of
the Purchaser, and that the Purchaser will deposit funds in one or more
collateral funds to cover any losses attributable to such procedures as well as
all advances and costs in connection therewith, as set forth herein.
In consideration of the mutual agreements herein contained, the receipt
and sufficiency of which are hereby acknowledged, the Servicers and the
Purchaser agree that the following provisions shall become effective and shall
be binding on and enforceable by the Servicers and the Purchaser:
ARTICLE I
DEFINITIONS
Section 1.01 Defined Terms
Whenever used in this Agreement, the following words and phrases,
unless the context otherwise requires, shall have the following meanings:
Business Day: Any day other than (i) a Saturday or a Sunday or (ii)
a day on which banking institutions in the State of New York are required or
authorized by law or executive order to be closed.
Collateral Fund: Any fund established and maintained pursuant to
Section 3.01 hereof.
Collateral Fund Permitted Investments: Either (i) obligations of, or
obligations fully guaranteed as to principal and interest by, the United States,
or any agency or instrumentality thereof, provided such obligations are backed
by the full faith and credit of the United States, (ii) a money market fund
rated in the highest rating category by a nationally recognized rating agency
selected by the related Servicer, (iii) cash, (iv) mortgage pass-through
certificates issued or guaranteed by Government National Mortgage Association,
FNMA or FHLMC, (v) commercial paper (including both non-interest-bearing
discount obligations and interest-bearing obligations payable on demand or on a
specified date), the issuer of which may be an affiliate of the related
Servicer, having at the time of such investment a rating of at least A-1 by
Standard and Poor's ("S&P") or at least F-1 by Fitch IBCA, Inc. ("Fitch") or
(vi) demand and time deposits in, certificates of deposit of, any depository
institution or trust company (which may be an affiliate of the related Servicer)
incorporated under the laws of the United States of America or any state thereof
and subject to supervision and examination by federal and/or state banking
authorities, so long as at the time of such investment either (x) the long-term
debt obligations of such depository institution or trust company have a rating
of at least AA by Fitch or S&P, (y) the certificate of deposit or other
unsecured short-term debt obligations of such depository institution or trust
company have a rating of at least F-1 by Fitch or A-1 by S&P or (z) the
depository institution or trust company is one that is acceptable to either
Fitch or S&P and, for each of the preceding clauses (i), (iv), (v) and (vi), the
maturity thereof shall be not later than the earlier to occur of (A) 30 days
from the date of the related investment and (B) the next succeeding Distribution
Date as defined in the related Pooling and Servicing Agreement.
Commencement of Foreclosure: The first official action required
under local law in order to commence foreclosure proceedings or to schedule a
trustee's sale under a deed of trust, including (i) in the case of a mortgage,
any filing or service of process necessary to commence an action to foreclose,
or (ii) in the case of a deed of trust, posting, the publishing, filing or
delivery of a notice of sale, but not including in either case (x) any notice of
default, notice of intent to foreclose or sell or any other action prerequisite
to the actions specified in (i) or (ii) above, (y) the acceptance of a
deed-in-lieu of foreclosure (whether in connection with a sale of the related
property or otherwise) or (z) initiation and completion of a short pay-off.
Current Appraisal: With respect to any Mortgage Loan as to which the
Purchaser has made an Election to Delay Foreclosure, an appraisal of the related
Mortgaged Property obtained by the Purchaser at its own expense from an
independent appraiser (which shall not be an affiliate of the Purchaser)
acceptable to the Servicer servicing such Mortgage Loan as nearly
contemporaneously as practicable to the time of the Purchaser's election,
prepared based on such Servicer's customary requirements for such appraisals.
Election to Delay Foreclosure: Any election by the Purchaser to
delay the Commencement of Foreclosure, made in accordance with Section 2.02(b).
Election to Foreclose: Any election by the Purchaser to proceed with
the Commencement of Foreclosure, made in accordance with Section 2.03(a).
Monthly Advances: Principal and interest advances and servicing
advances including costs and expenses of foreclosure.
Required Collateral Fund Balance: As of any date of determination,
an amount equal to the aggregate of all amounts previously required to be
deposited in the Collateral Fund pursuant to Section 2.02(d) (after adjustment
for all withdrawals and deposits pursuant to Section 2.02(e)) and Section
2.03(b) (after adjustment for all withdrawals and deposits pursuant to Section
2.03(c)) and Section 3.02 to be reduced by all withdrawals therefrom pursuant to
Section 2.02(g) and Section 2.03(d).
Section 1.02 Definitions Incorporated by Reference
All capitalized terms not otherwise defined in this Agreement shall
have the meanings assigned in the Pooling and Servicing Agreement.
ARTICLE II
SPECIAL SERVICING PROCEDURES
Section 2.01 Reports and Notices
(a) In connection with the performance of its duties under the
Pooling and Servicing Agreement relating to the realization upon defaulted
Mortgage Loans serviced by it, each Servicer shall provide to the Purchaser the
following notices and reports:
(i) Within five Business Days after each Distribution Date (or
included in or with the monthly statements to Certificateholders pursuant
to the Pooling and Servicing Agreement), each Servicer shall provide to
the Purchaser a report, using the same methodology and calculations in its
standard servicing reports, indicating for the Trust Estate the number of
Mortgage Loans serviced by such Servicer that are (A) thirty days, (B)
sixty days, (C) ninety days or more delinquent or (D) in foreclosure, and
indicating for each such Mortgage Loan the loan number and outstanding
principal balance.
(ii) Prior to the Commencement of Foreclosure in connection with
any Mortgage Loan, the Servicer of such Mortgage Loan shall provide the
Purchaser with a notice (sent by telecopier) of such proposed and imminent
foreclosure, stating the loan number and the aggregate amount owing under
the Mortgage Loan. Such notice may be provided to the Purchaser in the
form of a copy of a referral letter from such Servicer to an attorney
requesting the institution of foreclosure.
(b) If requested by the Purchaser, each Servicer shall make its
servicing personnel available (during their normal business hours) to respond to
reasonable inquiries, by phone or in writing by facsimile, electronic, or
overnight mail transmission, by the Purchaser in connection with any Mortgage
Loan serviced by such Servicer identified in a report under subsection (a) (i)
(B), (a) (i) (C), (a) (i) (D), or (a) (ii) which has been given to the
Purchaser; provided, that (1) the related Servicer shall only be required to
provide information that is readily accessible to its servicing personnel and is
non-confidential and (2) the related Servicer shall respond within five Business
Days orally or in writing by facsimile transmission.
(c) In addition to the foregoing, each Servicer shall provide to the
Purchaser such information as the Purchaser may reasonably request provided,
however, that such information is consistent with normal reporting practices,
concerning each Mortgage Loan serviced by such Servicer that is at least ninety
days delinquent and each Mortgage Loan serviced by such Servicer which has
become real estate owned, through the final liquidation thereof; provided, that
such Servicer shall only be required to provide information that is readily
accessible to its servicing personnel and is non-confidential; provided,
however, that the Purchaser will reimburse each Servicer for any out of pocket
expenses.
Section 2.02 Purchaser's Election to Delay Foreclosure
Proceedings
(a) The Purchaser shall be deemed to direct the related Servicer
that in the event that such Servicer does not receive written notice of the
Purchaser's election pursuant to subsection (b) below within 24 hours (exclusive
of any intervening non-Business Days) of transmission of the notice provided by
such Servicer under Section 2.01 (a) (ii) subject to extension as set forth in
Section 2.02(b), such Servicer may proceed with the Commencement of Foreclosure
in respect of such Mortgage Loan in accordance with its normal foreclosure
policies without further notice to the Purchaser. Any foreclosure that has been
initiated may be discontinued (i) without notice to the Purchaser if the
Mortgage Loan has been brought current or if a refinancing or prepayment occurs
with respect to the Mortgage Loan (including by means of a short payoff approved
by such Servicer) or (ii) if such Servicer has reached the terms of a
forbearance agreement with the borrower. In the latter case, such Servicer may
complete such forbearance agreement unless instructed otherwise by the Purchaser
within two Business Days notification.
(b) In connection with any Mortgage Loan with respect to which a
notice under Section 2.01(a)(ii) has been given to the Purchaser, the Purchaser
may elect to instruct the related Servicer to delay the Commencement of
Foreclosure until such time as the Purchaser determines that such Servicer may
proceed with the Commencement of Foreclosure. Such election must be evidenced by
written notice received within 24 hours (exclusive of any intervening
non-Business Days) of transmission of the notice provided by such Servicer under
Section 2.01(a)(ii). Such 24 hour period shall be extended for no longer than an
additional four Business Days after the receipt of the information if the
Purchaser requests additional information related to such foreclosure; provided,
however, that the Purchaser will have at least one Business Day to respond to
any requested additional information. Any such additional information shall be
provided only to the extent it (i) is not confidential in nature and (ii) is
obtainable by the related Servicer from existing reports, certificates or
statements or is otherwise readily accessible to its servicing personnel. The
Purchaser agrees that it has no right to deal with the mortgagor during such
period. However, if such servicing activities include acceptance of a
deed-in-lieu of foreclosure or short payoff, the Purchaser will be notified and
given two Business Days to respond.
(c) With respect to any Mortgage Loan as to which the Purchaser has
made an Election to Delay Foreclosure, the Purchaser shall obtain a Current
Appraisal as soon as practicable, but in no event more than 15 business days
thereafter, and shall provide the related Servicer with a copy of such Current
Appraisal.
(d) Within two Business Days of making any Election to Delay
Foreclosure, the Purchaser shall remit by wire transfer to the Servicer
servicing the related Mortgage Loan, for deposit in the Collateral Fund
maintained by such Servicer, an amount, as calculated by such Servicer, equal to
the sum of (i) 125% of the greater of the unpaid principal balance of the
Mortgage Loan and the value shown in the Current Appraisal referred to in
subsection (c) above (or, if such Current Appraisal has not yet been obtained,
such Servicer's estimate thereof, in which case the required deposit under this
subsection shall be adjusted upon obtaining such Current Appraisal), and (ii)
three months' interest on the Mortgage Loan at the applicable Mortgage Interest
Rate. If any Election to Delay Foreclosure extends for a period in excess of
three months (such excess period being referred to herein as the "Excess
Period"), within two Business Days the Purchaser shall remit by wire transfer in
advance to the Servicer servicing the related Mortgage Loan for deposit in the
Collateral Fund maintained by such Servicer the amount of each additional
month's interest, as calculated by such Servicer, equal to interest on the
Mortgage Loan at the applicable Mortgage Interest Rate for the Excess Period.
The terms of this Agreement will no longer apply to the servicing of any
Mortgage Loan upon the failure of the Purchaser to deposit any of the above
amounts relating to the Mortgage Loan within two Business Days of the Election
to Delay Foreclosure or within two Business Days of the commencement of the
Excess Period subject to Section 3.01.
(e) With respect to any Mortgage Loan as to which the Purchaser has
made an Election to Delay Foreclosure, the Servicer of such Mortgage Loan may
withdraw from the Collateral Fund maintained by such Servicer from time to time
amounts necessary to reimburse such Servicer for all related Monthly Advances
and Liquidation Expenses thereafter made by such Servicer in accordance with the
Pooling and Servicing Agreement. To the extent that the amount of any such
Liquidation Expenses is determined by such Servicer based on estimated costs,
and the actual costs are subsequently determined to be higher, such Servicer may
withdraw the additional amount from the applicable Collateral Fund. In the event
that the Mortgage Loan is brought current by the mortgagor and the foreclosure
action is discontinued, the amounts so withdrawn from the applicable Collateral
Fund shall be redeposited if and to the extent that reimbursement therefor from
amounts paid by the mortgagor is not prohibited pursuant to the Pooling and
Servicing Agreement, applicable law or the related mortgage note. Except as
provided in the preceding sentence, amounts withdrawn from a Collateral Fund to
cover Monthly Advances and Liquidation Expenses shall not be redeposited therein
or otherwise reimbursed to the Purchaser. If and when any such Mortgage Loan is
brought current by the mortgagor, all amounts remaining in the applicable
Collateral Fund in respect of such Mortgage Loan (after adjustment for all
permitted withdrawals and deposits pursuant to this subsection) shall be
released to the Purchaser.
(f) With respect to any Mortgage Loan as to which the Purchaser has
made an Election to Delay Foreclosure, the related Servicer shall continue to
service the Mortgage Loan in accordance with its customary procedures (other
than the delay in Commencement of Foreclosure as provided herein). If and when
the Purchaser shall notify such Servicer that it believes that it is appropriate
to do so, such Servicer may proceed with the Commencement of Foreclosure. In any
event, if the Mortgage Loan is not brought current by the mortgagor by the time
the loan becomes 6 months delinquent, the Purchaser's election shall no longer
be effective and at the Purchaser's option, either (i) the Purchaser shall
purchase the Mortgage Loan from the related Trust Estate at a purchase price
equal to the fair market value as shown on the Current Appraisal, to be paid by
(x) applying any balance in the related Collateral Fund to such to such purchase
price, and (y) to the extent of any deficiency, by wire transfer of immediately
available funds from the Purchaser to the related Servicer for deposit in the
related Certificate Account; or (ii) the related Servicer shall proceed with the
Commencement of Foreclosure.
(g) Upon the occurrence of a liquidation with respect to any
Mortgage Loan as to which the Purchaser made an Election to Delay Foreclosure
and as to which the related Servicer proceeded with the Commencement of
Foreclosure in accordance with subsection (f) above, such Servicer shall
calculate the amount, if any, by which the value shown on the Current Appraisal
obtained under subsection (c) exceeds the actual sales price obtained for the
related Mortgaged Property (net of Liquidation Expenses and accrued interest
related to the extended foreclosure period), such Servicer shall withdraw the
amount of such excess from the Collateral Fund maintained by such Servicer, and
shall remit the same to the Trust Estate as additional Liquidation Proceeds.
After making such withdrawal, all amounts remaining in the related Collateral
Fund in respect of such Mortgage Loan (after adjustment for all permitted
withdrawals and deposits pursuant to this Agreement) shall be released to the
Purchaser.
Section 2.03 Purchaser's Election to Commence Foreclosure
Proceedings
(a) In connection with any Mortgage Loan identified in a report
under Section 2.01(a)(i)(B), the Purchaser may elect to instruct the related
Servicer to proceed with the Commencement of Foreclosure as soon as practicable.
Such election must be evidenced by written notice received by such Servicer by
5:00 p.m., New York City time, on the third Business Day following the delivery
of such report under Section 2.01(a)(i).
(b) Within two Business Days of making any Election to Foreclose,
the Purchaser shall remit to the related Servicer, for deposit in the related
Collateral Fund, an amount, as calculated by such Servicer, equal to 125% of the
current unpaid principal balance of the Mortgage Loan and three months interest
on the Mortgage Loan at the applicable Mortgage Interest Rate. If and when any
such Mortgage Loan is brought current by the mortgagor, all amounts in such
Collateral Fund in respect of such Mortgage Loan (after adjustment for all
permitted withdrawals and deposits pursuant to this Agreement) shall be released
to the Purchaser if and to the extent that reimbursement therefor from amounts
paid by the mortgagor is not prohibited pursuant to the Pooling and Servicing
Agreement, applicable law or the related mortgage note. The terms of this
Agreement will no longer apply to the servicing of any Mortgage Loan upon the
failure of the Purchaser to deposit the above amounts relating to the Mortgage
Loan within two Business Days of the Election to Foreclose subject to Section
3.01.
(c) With respect to any Mortgage Loan as to which the Purchaser has
made an Election to Foreclose, the related Servicer shall continue to service
the Mortgage Loan in accordance with its customary procedures (other than
Commencement of Foreclosure as provided herein). In connection therewith, such
Servicer shall have the same rights to make withdrawals for Monthly Advances and
Liquidations Expenses from the related Collateral Fund as are provided under
Section 2.02(e), and such Servicer shall make reimbursements thereto to the
limited extent provided under such subsection in accordance with its customary
procedures. The related Servicer shall not be required to proceed with the
Commencement of Foreclosure if (i) the same is stayed as a result of the
mortgagor's bankruptcy or is otherwise barred by applicable law, or to the
extent that all legal conditions precedent thereto have not yet been complied
with, or (ii) such Servicer believes there is a breach of representations or
warranties in the Pooling and Servicing Agreement by the Depositor, which may
result in a repurchase or substitution of such Mortgage Loan, or (iii) such
Servicer reasonably believes the Mortgaged Property may be contaminated with or
affected by hazardous wastes or hazardous substances (and, without limiting the
such Servicer's right not to proceed with the Commencement of Foreclosure, such
Servicer supplies the Purchaser with information supporting such belief). Any
foreclosure that has been initiated may be discontinued (x) without notice to
the Purchaser if the Mortgage Loan has been brought current or if a refinancing
or prepayment occurs with respect to the Mortgage Loan (including by means of a
short payoff approved by the Purchaser) or (y) with notice to the Purchaser if
the related Servicer has reached the terms of a forbearance agreement unless
instructed otherwise by the Purchaser within two Business Days of such
notification. Any such instruction shall be based upon a decision that such
forbearance agreement is not in conformity with reasonable servicing practices.
(d) Upon the occurrence of a liquidation with respect to any
Mortgage Loan as to which the Purchaser made an Election to Foreclose and as to
which the related Servicer proceeded with the Commencement of Foreclosure in
accordance with subsection (c) above, such Servicer shall calculate the amount,
if any, by which the unpaid principal balance of the Mortgage Loan at the time
of liquidation (plus all unreimbursed interest and servicing advances and
Liquidation Expenses in connection therewith other than those paid from the
related Collateral Fund) exceeds the actual sales price obtained for the related
Mortgaged Property, and such Servicer shall withdraw the amount of such excess
from the related Collateral Fund, shall remit the same to the Trust Estate as
additional Liquidation Proceeds. After making such withdrawal, all amounts
remaining in the related Collateral Fund (after adjustment for all withdrawals
and deposits pursuant to subsection (c) in respect of such Mortgage Loan) shall
be released to the Purchaser.
Section 2.04 Termination
(a) With respect to all Mortgage Loans included in the Trust Estate,
the Purchaser's right to make any Election to Delay Foreclosure or any Election
to Foreclose and the Servicers' obligations under Section 2.01 shall terminate
(i) at such time as the Class Balance of the Class B Certificates has been
reduced to zero, (ii) if the greater of (x) 43% (or such lower or higher
percentage that represents the related Servicer's actual historical loss
experience with respect to the Mortgage Loans in the related pool as determined
by such Servicer) of the aggregate principal balance of all Mortgage Loans that
are in foreclosure or are more than 90 days delinquent on a contractual basis
and REO properties or (y) the aggregate amount that each Servicer estimates
through its normal servicing practices will be required to be withdrawn from the
related Collateral Fund with respect to Mortgage Loans as to which the Purchaser
has made an Election to Delay Foreclosure or an Election to Foreclosure, exceeds
(z) the then-current Class Balance of the Class B Certificates, (iii) upon any
transfer by the Purchaser of any interest (other than the minority interest
therein, but only if the transferee provides written acknowledgment to the
Servicers of the Purchaser's right hereunder and that such transferee will have
no rights hereunder) in the Class B Certificates (whether or not such transfer
is registered under the Pooling and Servicing Agreement), including any such
transfer in connection with a termination of the Trust Estate or (iv) upon any
breach of the terms of this Agreement by the Purchaser.
(b) Except as set forth in 2.04(a), this Agreement and the
respective rights, obligations and responsibilities of the Purchaser and the
Servicers hereunder shall terminate upon the later to occur of (i) the final
liquidation of the last Mortgage Loan as to which the Purchaser made any
Election to Delay Foreclosure or any Election to Foreclose and the withdrawal of
all remaining amounts in any Collateral Fund as provided herein and (ii) ten
Business Days' notice. The Purchaser's right to make an election pursuant to
Section 2.02 or Section 2.03 hereof with respect to a particular Mortgage Loan
shall terminate if the Purchaser fails to make any deposit required pursuant to
Section 2.02(d) or 2.03(b) or if the Purchaser fails to make any other deposit
to any Collateral Fund pursuant to this Agreement.
ARTICLE III
COLLATERAL FUNDS; SECURITY INTEREST
Section 3.01 Collateral Funds
Upon receipt from the Purchaser of the initial amount required to be
deposited in any Collateral Fund pursuant to Article II, the related Servicer
shall establish and maintain with ________________ as a segregated account on
its books and records an account (each, a "Collateral Fund"), entitled
"_____________________________________, for the benefit of registered holders of
Bank of America Mortgage Securities, Inc.; Mortgage Pass-Through Certificates,
Series __________. Amounts held in any Collateral Fund shall continue to be the
property of the Purchaser, subject to the first priority security interest
granted hereunder for the benefit of the Certificateholders, until withdrawn
from such Collateral Fund pursuant to Section 2.02 or 2.03 hereof. Each
Collateral Fund shall be an "outside reserve fund" within the meaning of the
REMIC Provisions, beneficially owned by the Purchaser for federal income tax
purposes. All income, gain, deduction or loss with respect to any Collateral
Fund shall be that of the Purchaser. All distributions from the Trust Fund to
any Collateral Fund shall be treated as distributed to the Purchaser as the
beneficial owner thereof.
Upon the termination of this Agreement and the liquidation of all
Mortgage Loans as to which the Purchaser has made any Election to Delay
Foreclosure or any Election to Foreclose pursuant to Section 2.04 hereof, the
Servicers shall distribute or cause to be distributed to the Purchaser all
amounts remaining in the Collateral Funds (after adjustment for all deposits and
permitted withdrawals pursuant to this Agreement) together with any investment
earnings thereon. In the event the Purchaser has made any Election to Delay
Foreclosure or any Election to Foreclose, prior to any distribution to the
Purchaser of all amounts remaining in the Collateral Funds, funds in the
Collateral Funds shall be applied consistent with the terms of this Agreement.
Section 3.02 Collateral Fund Permitted Investments.
Each Servicer shall, at the written direction of the Purchaser,
invest the funds in the related Collateral Fund in Collateral Fund Permitted
Investments. Such direction shall not be changed more frequently than quarterly.
In the absence of any direction, a Servicer shall select such investments in
accordance with the definition of Collateral Fund Permitted Investments in its
discretion.
All income and gain realized from any investment as well as any
interest earned on deposits in a Collateral Fund (net of any losses on such
investments) and any payments of principal made in respect of any Collateral
Fund Permitted Investment shall be deposited in such Collateral Fund upon
receipt. All costs and realized losses associated with the purchase and sale of
Collateral Fund Permitted Investments shall be borne by the Purchaser and the
amount of net realized losses shall be deposited by the Purchaser in the related
Collateral Fund promptly upon realization. Each Servicer shall periodically (but
not more frequently than monthly) distribute to the Purchaser upon request an
amount of cash, to the extent cash is available therefore in the related
Collateral Fund, equal to the amount by which the balance of such Collateral
Fund, after giving effect to all other distributions to be made from such
Collateral Fund on such date, exceeds the Required Collateral Fund Balance for
such Collateral Fund. Any amounts so distributed shall be released from the lien
and security interest of this Agreement.
Section 3.03 Grant of Security Interest
The Purchaser hereby grants to each Servicer for the benefit of the
Certificateholders under the Pooling and Servicing Agreement a security interest
in and lien on all of the Purchaser's right, title and interest, whether now
owned or hereafter acquired, in and to: (1) the Collateral Fund, (2) all amounts
deposited in the related Collateral Fund and Collateral Fund Permitted
Investments in which such amounts are invested (and the distributions and
proceeds of such investments) and (3) all cash and non-cash proceeds of any of
the foregoing, including proceeds of the voluntary conversion thereof (all of
the foregoing collectively, the "Collateral").
The Purchaser acknowledges the lien on and the security interest in
the Collateral for the benefit of the Certificateholders. The Purchaser shall
take all actions requested by a Servicer as may be reasonably necessary to
perfect the security interest created under this Agreement in the Collateral and
cause it to be prior to all other security interests and liens, including the
execution and delivery to each Servicer for filing of appropriate financing
statements in accordance with applicable law. Each Servicer shall file
appropriate continuation statements, or appoint an agent on its behalf to file
such statements, in accordance with applicable law.
Section 3.04 Collateral Shortfalls.
In the event that amounts on deposit in a Collateral Fund at any
time are insufficient to cover any withdrawals therefrom that the related
Servicer is then entitled to make hereunder, the Purchaser shall be obligated to
pay such amounts to such Servicer immediately upon demand. Such obligation shall
constitute a general corporate obligation of the Purchaser. The failure to pay
such amounts within two Business Days of such demand (except for amounts to
cover interest on a Mortgage Loan pursuant to Sections 2.02(d) and 2.03 (b)),
shall cause an immediate termination of the Purchaser's right to make any
Election to Delay Foreclosure or Election to Foreclose and such Servicer's
obligations under this Agreement with respect to all Mortgage Loans to which
such insufficiencies relate, without the necessity of any further notice or
demand on the part of such Servicer.
ARTICLE IV
MISCELLANEOUS PROVISIONS
Section 4.01 Amendment.
This Agreement may be amended from time to time by the Servicers and
the Purchaser by written agreement signed by the Servicers and the Purchaser.
Section 4.02 Counterparts.
This Agreement may be executed simultaneously in any number of
counterparts, each of which counterparts shall be deemed to be an original, and
such counterparts shall constitute but one and the same instrument.
Section 4.03 Governing Law.
This Agreement shall be construed in accordance with the laws of the
State of New York and the obligations, rights and remedies of the parties
hereunder shall be determined in accordance with such laws.
Section 4.04 Notices.
All demands, notices and direction hereunder shall be in writing or
by telecopy and shall be deemed effective upon receipt to:
(a) in the case of the Servicers,
Bank of America, FSB
555 California Street
San Francisco, California 94104
Attention:_______________
Phone: _______________
Fax: _______________
NationsBanc Mortgage Corporation
201 North Tryon Street
Charlotte, North Carolina 28255
Attention:_______________
Phone: _______________
Fax: _______________
(b) in the case of the Purchaser,
_________________________
_________________________
_________________________
Attention:_______________
Section 4.05 Severability of Provisions.
If any one or more of the covenants, agreements, provision or terms
of this Agreement shall be for any reason whatsoever, including regulatory, held
invalid, then such covenants, agreements, provisions or terms of this Agreement
and shall in no way affect the validity or enforceability of the other
provisions of this Agreement.
Section 4.06 Successors and Assigns.
The provisions of this Agreement shall be binding upon and inure to
the benefit of the respective successors and assigns of the parties hereto, and
all such provisions shall inure to the benefit of the Certificateholders;
provided, however, that the rights under this Agreement cannot be assigned by
the Purchaser without the consent of the Servicers.
Section 4.07 Article and Section Headings.
The article and section headings herein are for convenience of
reference only and shall not limit or otherwise affect the meaning hereof.
Section 4.08 Confidentiality.
The Purchaser agrees that all information supplied by or on behalf
of the Servicers pursuant to Sections 2.01 or 2.02, including individual account
information, is the property of the Servicers and the Purchaser agrees to hold
such information confidential and not to disclose such information.
Each party hereto agrees that neither it, nor any officer, director,
employee, affiliate or independent contractor acting at such party's direction
will disclose the terms of Section 4.09 of this Agreement to any person or
entity other than such party's legal counsel except pursuant to a final,
non-appealable order of court, the pendency of such order the other party will
have received notice of at least five business days prior to the date thereof,
or pursuant to the other party's prior express written consent.
Section 4.09 Indemnification.
The Purchaser agrees to indemnify and hold harmless the Servicers
and the Depositor and each person who controls the Servicers and the Depositor
and each of their respective officers, directors, affiliates and agents acting
at the Servicers' or the Depositor's direction (the "Indemnified Parties")
against any and all losses, claims, damages or liabilities to which they may be
subject, insofar as such losses, claims, damages or liabilities (or actions in
respect thereof) arise out of, or are based upon, actions taken by, or actions
not taken by, the Servicers or the Depositor, or on their behalf, in accordance
with the provisions of this Agreement and (i) which actions conflict with the
Servicers' or the Depositor's obligations under the Pooling and Servicing
Agreement, or (ii) give rise to securities law liability under federal or state
securities laws with respect to the Certificates. The Purchaser hereby agrees to
reimburse the Indemnified Parties for the reasonable legal or other expenses
incurred by them in connection with investigating or defending any such loss,
claim, damage, liability or action. The indemnification obligations of the
Purchaser hereunder shall survive the termination or expiration of this
Agreement.
<PAGE>
IN WITNESS WHEREOF, BA, NMC and the Purchaser have caused their
names to be signed hereto by their respective officers thereunto duly
authorized, all as of the day and year first above written.
Bank of America, FSB
By:______________________________
Name:____________________________
Title:___________________________
NationsBanc Mortgage Corporation
By:______________________________
Name:____________________________
Title:___________________________
[Purchaser]
By:______________________________
Name:____________________________
Title:___________________________
