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: February 23, 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
BA Mortgage Securities, Inc.
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(Former name, former address and former fiscal year,
if changed since last report)
<PAGE>
ITEM 5. Other Events
On February 23, 1999, Bank of America Mortgage Securities,
Inc., a Delaware corporation (the "Registrant"), sold Mortgage Pass-Through
Certificates, Series 1999-1, 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-23, Class A-24, Class
A-PO, Class A-R, Class A-LR, Class B-1, Class B-2 and Class B-3 (the "Offered
Certificates"), having an aggregate original principal balance of $595,583,832.
The Offered Certificates were issued pursuant to a Pooling and Servicing
Agreement, dated February 23, 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 1999-1, Class B-4, Class B-5 and Class B-6 Certificates,
having an aggregate initial principal balance of $4,500,744.62 (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 two REMICs for
federal income tax purposes (the "Upper-Tier REMIC" and "Lower-Tier REMIC,"
respectively). The Class A-1, Class A-2, Class A-3, Class A-4, Class A-5, Class
A-6, Class A-7, 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-23, Class A-24, 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 Upper-Tier REMIC and the Class A-R and Class A-LR
Certificates will be treated as the "residual interests" in the Upper-Tier REMIC
and Lower-Tier REMIC, respectively.
<PAGE>
ITEM 7. Financial Statements and Exhibits
(c) Exhibits
Item 601(a)
of Regulation S-K
Exhibit No. Description
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(EX-4) Pooling and Servicing Agreement, dated
February 23, 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.
February 23, 1999
/s/ Sharon Joseph
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Sharon Joseph
Vice President
<PAGE>
INDEX TO EXHIBITS
Paper (P) or
Exhibit No. Description Electronic (E)
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(EX-4) Pooling and Servicing E
Agreement, dated February 23, 1999
among Bank of America Mortgage
Securities, Inc., NationsBanc Mortgage
Corporation, Bank of America, FSB and
The Bank of New York, as trustee.
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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 February 23, 1999
-----------------------
Mortgage Pass-Through Certificates
Series 1999-1
================================================================================
<PAGE>
TABLE OF CONTENTS
Page
PRELIMINARY STATEMENT
ARTICLE I
DEFINITIONS
Section 1.01 Defined Terms..................................................3
Section 1.02 Interest Calculations.........................................29
ARTICLE II
CONVEYANCE OF MORTGAGE LOANS
ORIGINAL ISSUANCE OF CERTIFICATES
Section 2.01 Conveyance of Mortgage Loans..................................29
Section 2.02 Acceptance by the Trustee of the Mortgage Loans...............31
Section 2.03 Representations, Warranties and Covenants of the NMC Servicer.33
Section 2.04 Representations, Warranties and Covenants of the BA Servicer..35
Section 2.05 Representations and Warranties of the Depositor as to the
Mortgage Loans...............................................36
Section 2.06 Designation of Interests in the REMICs........................43
Section 2.07 Designation of Start-up Day...................................43
Section 2.08 REMIC Certificate Maturity Date...............................43
Section 2.09 [Reserved]....................................................43
Section 2.10 Execution and Delivery of Certificates........................43
ARTICLE III
ADMINISTRATION AND SERVICING
OF MORTGAGE LOANS
Section 3.01 Servicers to Service Mortgage Loans...........................44
Section 3.02 Subservicing; Enforcement of the Obligations of Servicers.....45
Section 3.03 Fidelity Bond; Errors and Omissions Insurance.................46
Section 3.04 Access to Certain Documentation...............................46
Section 3.05 Maintenance of Primary Mortgage Insurance Policy; Claims......46
Section 3.06 Rights of the Depositor and the Trustee in Respect of the
Servicers....................................................47
Section 3.07 Trustee to Act as Servicer....................................48
<PAGE>
Section 3.08 Collection of Mortgage Loan Payments; Servicer Custodial
Accounts; Certificate Account; Upper-Tier Certificate
Account; and Class A-17 Reserve Fund.........................48
Section 3.09 Collection of Taxes, Assessments and Similar Items; Escrow
Accounts.....................................................52
Section 3.10 Access to Certain Documentation and Information Regarding the
Mortgage Loans...............................................53
Section 3.11 Permitted Withdrawals from the Servicer Custodial Accounts,
Certificate Account and Upper-Tier Certificate Account.......53
Section 3.12 Maintenance of Hazard Insurance...............................55
Section 3.13 Enforcement of Due-On-Sale Clauses; Assumption Agreements.....56
Section 3.14 Realization Upon Defaulted Mortgage Loans; REO Property.......57
Section 3.15 Trustee to Cooperate; Release of Mortgage Files...............60
Section 3.16 Documents, Records and Funds in Possession of the Servicers to
be Held for the Trustee......................................61
Section 3.17 Servicing Compensation........................................61
Section 3.18 Annual Statement as to Compliance.............................62
Section 3.19 Annual Independent Public Accountants'Servicing Statement;
Financial Statements.........................................62
Section 3.20 Advances......................................................62
Section 3.21 Modifications, Waivers, Amendments and Consents...............63
Section 3.22 Reports to the Securities and Exchange Commission.............64
Section 3.23 Maintenance of the Rounding Accounts; Collections Thereunder..64
ARTICLE IV
SERVICER'S CERTIFICATE
Section 4.01 Servicer's Certificate........................................65
ARTICLE V
PAYMENTS AND STATEMENTS TO CERTIFICATEHOLDERS;
REMIC ADMINISTRATION
Section 5.01 Distributions.................................................66
Section 5.02 Priorities of Distribution....................................66
Section 5.03 Allocation of Losses..........................................74
Section 5.04 Statements to Certificateholders..............................76
Section 5.05 Tax Returns and Reports to Certificateholders.................78
Section 5.06 Tax Matters Person............................................79
Section 5.07 Rights of the Tax Matters Person in Respect of the Trustee....79
Section 5.08 REMIC Related Covenants.......................................79
Section 5.09 Principal Distributions on the Special Retail Certificates....80
Section 5.10 Determination of LIBOR........................................84
<PAGE>
ARTICLE VI
THE CERTIFICATES
Section 6.01 The Certificates..............................................84
Section 6.02 Registration of Transfer and Exchange of Certificates.........85
Section 6.03 Mutilated, Destroyed, Lost or Stolen Certificates.............89
Section 6.04 Persons Deemed Owners.........................................90
ARTICLE VII
THE DEPOSITOR AND THE SERVICERS
Section 7.01 Respective Liabilities of the Depositor and the Servicers.....90
Section 7.02 Merger or Consolidation of the Depositor or a Servicer........90
Section 7.03 Limitation on Liability of the Depositor, the Servicers and
Others.......................................................90
Section 7.04 Depositor and Servicers Not to Resign.........................91
ARTICLE VIII
DEFAULT
Section 8.01 Events of Default.............................................91
Section 8.02 Remedies of Trustee...........................................93
Section 8.03 Directions by Certificateholders and Duties of Trustee During
Event of Default.............................................93
Section 8.04 Action upon Certain Failures of a Servicer and upon Event of
Default......................................................93
Section 8.05 Trustee to Act; Appointment of Successor......................94
Section 8.06 Notification to Certificateholders............................95
ARTICLE IX
THE TRUSTEE
Section 9.01 Duties of Trustee.............................................95
Section 9.02 Certain Matters Affecting the Trustee.........................96
Section 9.03 Trustee Not Liable for Certificates or Mortgage Loans.........97
Section 9.04 Trustee May Own Certificates..................................98
Section 9.05 Eligibility Requirements for Trustee..........................98
Section 9.06 Resignation and Removal of Trustee............................99
Section 9.07 Successor Trustee.............................................99
Section 9.08 Merger or Consolidation of Trustee...........................100
Section 9.09 Appointment of Co-Trustee or Separate Trustee................100
Section 9.10 Authenticating Agents........................................101
Section 9.11 Trustee's Fees and Expenses..................................102
Section 9.12 [RESERVED]...................................................102
<PAGE>
Section 9.13 Paying Agents................................................102
Section 9.14 Limitation of Liability......................................103
Section 9.15 Trustee May Enforce Claims Without Possession of Certificates103
Section 9.16 Suits for Enforcement........................................104
Section 9.17 Waiver of Bond Requirement...................................104
Section 9.18 Waiver of Inventory, Accounting and Appraisal Requirement....104
Section 9.19 Year 2000 Compliance.........................................104
ARTICLE X
TERMINATION
Section 10.01 Termination upon Purchase by the Depositor or Liquidation of
All Mortgage Loans..........................................105
Section 10.02 Additional Termination Requirements..........................106
ARTICLE XI
MISCELLANEOUS PROVISIONS
Section 11.01 Amendment....................................................107
Section 11.02 Recordation of Agreement.....................................108
Section 11.03 Limitation on Rights of Certificateholders...................108
Section 11.04 Governing Law................................................109
Section 11.05 Notices......................................................109
Section 11.06 Severability of Provisions...................................110
Section 11.07 Certificates Nonassessable and Fully Paid....................110
Section 11.08 Access to List of Certificateholders.........................110
Section 11.09 Recharacterization...........................................111
EXHIBITS
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
<PAGE>
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-23 - Form of Face of Class A-23 Certificate
EXHIBIT A-24 - Form of Face of Class A-24 Certificate
EXHIBIT A-25 - Form of Face of Class A-25 Certificate
EXHIBIT A-26 - Form of Face of Class A-26 Certificate
EXHIBIT A-PO - Form of Face of Class A-PO Certificate
EXHIBIT A-R - Form of Face of Class A-R Certificate
EXHIBIT A-LR - Form of Face of Class A-LR 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..........................C-1
Exhibit D-1 BA Mortgage Loan Schedule..................................D-1-1
Exhibit D-2 NMC Mortgage Loan Schedule.................................D-2-1
Exhibit E Request for Release of Documents.............................E-1
Exhibit F Form of Certification of Establishment of Account............F-1
Exhibit G-1 Form of Transferor's Certificate...........................G-1-1
Exhibit G-2A Form 1 of Transferee's Certificate........................G-2A-1
Exhibit G-2B Form 2 of Transferee's Certificate........................G-2B-1
Exhibit H Form of Transferee Representation Letter
for ERISA Restricted Certificates............................H-1
Exhibit I Form of Affidavit Regarding Transfer of Residual CertificatesI-1
Exhibit J Contents of Servicing File...................................J-1
<PAGE>
POOLING AND SERVICING AGREEMENT
THIS POOLING AND SERVICING AGREEMENT, dated February 23, 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:
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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 two separate real estate mortgage
investment conduits (the "Upper-Tier REMIC" and the "Lower-Tier REMIC,"
respectively, and each, a "REMIC"). The Class A Certificates (other than the
Class A-R and Class A-LR Certificates) and the Class B Certificates are referred
to collectively as the "Regular Certificates" and shall constitute "regular
interests" in the Upper-Tier REMIC. The Uncertificated Lower-Tier Interests
shall constitute the "regular interests" in the Lower-Tier REMIC. The Class A-R
Certificate shall be the "residual interest" in the Upper-Tier REMIC and the
Class A-LR Certificate shall be the "residual interest" in the Lower-Tier 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 such Classes 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>
Initial Class Pass-Through Minimum Integral
Certificate Rate Denomination Multiples
Balance (or in Excess
Notional of Minimum
Amount)
------------- ------------ ------------- ----------
Class A-1 $166,404,000.00 6.50% $1,000 $1
Class A-2 $66,459,200.00 6.00% $1,000 $1
Class A-3 $100,000,000.00 6.50% $1,000 $1
Class A-4 $1,917,000.00 6.25% $1,000 $1
Class A-5 $25,000,000.00 6.25% $1,000 $1
Class A-6 $19,516,911.00 (1) $1,000 $1
Class A-7 $19,516,911.00 (2) $1,000 $1
Class A-8 $7,068,000.00 6.50% $1,000 $1
Class A-9 $3,556,666.00 6.40% $1,000 $1
Class A-10 $17,755,000.00 6.50% $1,000 $1
Class A-11 $4,843,000.00 6.50% $1,000 $1
Class A-12 $2,183,000.00 6.50% $1,000 $1
Class A-13 $1,136,000.00 6.50% $1,000 $1
Class A-14 $1,578,000.00 6.50% $1,000 $1
Class A-15 $1,868,444.00 6.50% $1,000 $1
Class A-16 $2,000,000.00 6.50% $1,000 $1
Class A-17 $1,000,000.00 (3) $1,000 $1
Class A-18 $1,625,000.00 (4) $1,000 $1
Class A-19 $375,000.00 (5) $1,000 $1
Class A-20 $50,000,000.00 6.40% $1,000 $1
Class A-21 $25,770,000.00 7.00% $1,000 $1
Class A-22 $11,608,445.00 6.00% $1,000 $1
Class A-23 $3,200,334.00 6.25% $1,000 $1
Class A-24 $60,000,000.00 6.50% $1,000 $1
Class A-PO $1,216,881.00 (6) $25,000 $1
Class A-R $100.00 6.50% $100 N/A
Class A-LR $100.00 6.50% $100 N/A
Class B-1 $12,901,819.00 6.50% $25,000 $1
Class B-2 $4,500,635.00 6.50% $25,000 $1
Class B-3 $2,100,297.00 6.50% $25,000 $1
Class B-4 $2,100,297.00 6.50% $25,000 $1
Class B-5 $1,200,170.00 6.50% $25,000 $1
Class B-6 $1,200,277.62 6.50% $25,000 $1
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(1) During the initial Interest Accrual Period, interest will accrue on the
Class A-6 Certificates at a rate of 5.45% per annum. During each Interest
Accrual Period thereafter, interest will accrue on the Class A-6 Certificates at
a per annum rate equal to (i) 0.50% plus (ii) LIBOR, subject to a minimum rate
of 0.50% and a maximum rate of 8.50%.
<PAGE>
(2) During the initial Interest Accrual Period, interest will accrue on the
Class A-7 Certificates at a rate of 3.05% per annum. During each Interest
Accrual Period thereafter, interest will accrue on the Class A-7 Certificates at
a per annum rate equal to (i) 8.00% minus (ii) LIBOR, subject to a minimum rate
of 0.00% and a maximum rate of 8.00%.
(3) During the first twelve Interest Accrual Periods, the Class A-17
Certificates will bear interest at 7.50% per annum. For the next twelve Interest
Accrual Periods, the Class A-17 Certificates will bear interest at 7.00% per
annum. Beginning with the Interest Accrual Period commencing February 1, 2001
and thereafter, the Class A-17 Certificates will bear interest at 6.50% per
annum.
(4) During the initial Interest Accrual Period, interest will accrue on the
Class A-18 Certificates at a rate of 5.95% per annum. During each Interest
Accrual Period thereafter, interest will accrue on the Class A-18 Certificates
at a per annum rate equal to (i) 1.00% plus (ii) LIBOR, subject to a minimum
rate of 1.00% and a maximum rate of 8.00%.
(5) During the initial Interest Accrual Period, interest will accrue on the
Class A-19 Certificates at a rate of 8.8833% per annum. During each Interest
Accrual Period thereafter, interest will accrue on the Class A-19 Certificates
at a per annum rate equal to (i) 30.3333% minus (ii) the product of 4.3333 and
LIBOR, subject to a minimum rate of 0.000% and a maximum rate of 30.3333%.
(6) The Class A-PO Certificates will be Principal-Only Certificates and will not
bear interest.
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.
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.
<PAGE>
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 February 23, 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.
<PAGE>
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 without resulting 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 1999-1 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 1999-1." 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.
<PAGE>
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-23,
Class A-24, Class A-PO, Class A-R, Class A-LR, 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-23, Class
A-24, Class A-PO, Class A-R and Class A-LR Certificates.
Class A-7 Notional Amount: As to any Distribution Date and the Class
A-7 Certificates, the Class Certificate Balance of the Class A-6 Certificates
immediately prior to such date.
Class A-17 Reserve Amount: For each of the first twenty-four
Distribution Dates, an amount equal to the product of (i) the Class Certificate
Balance of the Class A-17 Certificates on the day immediately preceding each
such Distribution Date and (ii) one-twelfth of the excess of the current
Pass-Through Rate on the Class A-17 Certificates over 6.50%.
Class A-17 Reserve Fund: The separate Eligible Account created and
maintained by the Trustee pursuant to Section 3.08(f) in the name of the Trustee
for the benefit of the Certificateholders and designated "The Bank of New York,
in trust for the registered holders of Bank of America Mortgage Securities,
Inc., Mortgage Pass-Through Certificates, Series 1999-1." Funds in the Class
A-17 Reserve Fund shall be held in trust for the Certificateholders for the uses
and purposes set forth in this Agreement.
Class A-24 Percentage: As to any Distribution Date, the percentage
equivalent (carried to six places rounded up) of a fraction the numerator of
which is the Class Certificate Balance of the Class A-24 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.
Class A-24 Principal Distribution Amount: As to any Distribution
Date, the lesser of (i) the Class Certificate Balance of the Class A-24
Certificates and (ii) the product of (a)
6
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the Class A-24 Shift Percentage, (b) the Class A-24 Percentage and (c) the
Senior Principal Distribution Amount.
Class A-24 Shift Percentage: As to any Distribution Date, the
percentage indicated below:
Distribution Date Occurring In Class A-24 Shift Percentage
March 1999 through February 2004.......... 0%
March 2004 through February 2005.......... 30%
March 2005 through February 2006.......... 40%
March 2006 through February 2007.......... 60%
March 2007 through February 2008.......... 80%
March 2008 and thereafter................. 100%
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 (other than the
Class A-7 Certificates) and any date of determination, the Initial Class
Certificate Balance of such Class 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) and (iii) all other reductions in Class Certificate
Balance previously allocated thereto pursuant to Section 5.03(b). The Class A-7
Certificates are Interest-Only Certificates and have no Class Certificate
Balance.
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 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 on such prior Distribution Dates
pursuant to clause (ii) of the definition of "Interest Distribution Amount".
Closing Date: February 23, 1999.
Code: The Internal Revenue Code of 1986, as amended.
Compensating Interest: As defined in Section 3.17.
<PAGE>
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).
Corresponding Upper-Tier Class or Classes: As to the following
Uncertificated Lower-Tier Interests, the Corresponding Upper-Tier Class or
Classes, as follows:
Uncertificated Lower-Tier Interest Corresponding Upper-Tier Class or Classes
Class A-L1 Interest Class A-1 Certificates, Class A-3
Certificates, Class A-8 Certificates,
Class A-10 Certificates, Class A-11
Certificates, Class A-12 Certificates,
Class A-13 Certificates, Class A-14
Certificates, Class A-15 Certificates,
Class A-16 Certificates and Class A-24
Certificates
Class A-L2 Interest Class A-2 Certificates and Class A-22
Certificates
Class A-L4 Interest Class A-4 Certificates, Class A-5
Certificates and Class A-23 Certificates
Class A-L6 Interest Class A-6 Certificates and Class A-7
Certificates
Class A-L9 Interest Class A-9 Certificates and Class A-20
Certificates
Class A-L17 Interest Class A-17 Certificates
Class A-L18 Interest Class A-18 Certificates and Class A-19
Certificates
Class A-L21 Interest Class A-21 Certificates
Class A-LPO Interest Class A-PO Certificates
Class A-LUR Interest Class A-R Certificate
Class B-L1 Interest Class B-1 Certificates
Class B-L2 Interest Class B-2 Certificates
Class B-L3 Interest Class B-3 Certificates
Class B-L4 Interest Class B-4 Certificates
Class B-L5 Interest Class B-5 Certificates
Class B-L6 Interest Class B-6 Certificates
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Credit Support Percentage: As defined in Section 5.02(d).
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: February 1, 1999.
Cut-Off Date Pool Principal Balance: The aggregate of the Cut-Off
Date Principal Balances of the Mortgage Loans which is $600,084,577.00.
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.
Deceased Holder: A Certificate Owner of a Special Retail Certificate
who was living at the time such interest was acquired and whose executor or
other authorized representative causes to be furnished to the Trustee a
certified copy of the death certificate and any additional evidence of death
satisfactory to the Trustee and any tax waivers requested by the Trustee.
Defective Mortgage Loan: Any Mortgage Loan which is required to be
cured, repurchased or substituted for pursuant to Sections 2.02, 2.05 or 2.09.
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
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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 6.50% per annum.
Distribution Date: The 25th day of each month beginning in March
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
<PAGE>
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 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.
<PAGE>
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.
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: $179,557.
Initial Class Certificate Balance: As to each Class of Certificates
(other than the Class A-7 Certificates), the Class Certificate Balance set forth
in the Preliminary Statement. The Class A-7 Certificates are Interest-Only
Certificates and have no Initial Class Certificate Balance.
Initial Fraud Loss Amount: $6,000,846.
Initial LIBOR Rate: 4.95%.
Initial Special Hazard Amount: $6,014,660.
<PAGE>
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-6, Class A-7 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. As to any
Distribution Date and the Class A-6 and Class A-7 Certificates, the period from
and including the 25th day of the calendar month preceding the calendar month in
which such Distribution Date occurs and ending on the 24th day of the calendar
month in which such Distribution Date occurs.
Interest Distribution Amount: For any Distribution Date and each
interest-bearing Class, the sum of (i) Accrued Certificate Interest, subject to
reduction pursuant to Section 5.02(c), and (ii) any Class Unpaid Interest
Shortfall for such Class.
Interest-Only Certificates: Any Class of Certificates entitled to
distributions of interest, but to no distributions of principal. The Class A-7
Certificates are the sole Class of Interest-Only Certificates.
Interest Settlement Rate: As defined in Section 5.10.
LIBOR: As to any Distribution Date, the arithmetic mean of the
London Interbank offered rate quotations for one month Eurodollar deposits, as
determined by the Trustee in accordance with Section 5.10.
LIBOR Business Day: Any Business Day on which banks are open for
dealing in foreign currency and exchange in London, England, the City of New
York and the state where the Corporate Trust Office is located.
LIBOR Certificates: Any of the Class A-6, Class A-7, Class A-18 and
Class A-19 Certificates.
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.
<PAGE>
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.
Lower-Tier Distribution Amount: As defined in Section 5.02(a).
Lower-Tier REMIC: As defined in the Preliminary Statement, the
assets of which consist of the Mortgage Loans, such amounts as shall from time
to time be held in the Certificate Account and the Class A-17 Reserve Fund, the
insurance policies, if any, relating to a Mortgage Loan and property which
secured a Mortgage Loan and which has been acquired by foreclosure or deed in
lieu of foreclosure.
Living Holder: A Certificate Owner of a Special Retail Certificate
other than a Deceased Holder.
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
<PAGE>
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 February 23, 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.
<PAGE>
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 6.50%. 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 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.
Notional Amount: The Class A-7 Notional Amount.
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
<PAGE>
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 two
separate REMICs or compliance with the REMIC Provisions must be an opinion of
Independent counsel.
Original Credit Support Percentage: 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: $24,003,495.62.
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, 2.05 or 2.09.
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 or described in the Preliminary
Statement.
Paying Agent: As defined in Section 9.13.
Percentage Interest: As to any Certificate (other than the Class
A-14 and Class A-16 Certificates), the percentage obtained by dividing the
initial Certificate Balance or notional amount, as applicable, of such
Certificate by the initial Class Certificate Balance or initial Notional Amount,
as applicable, of the Class of which such Certificate is a part. With respect to
a Class A-14 or a Class A-16 Certificate, the percentage obtained by dividing
the current
<PAGE>
Certificate Balance of such Certificate by the current Class Certificate Balance
of all Certificates of the same Class.
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 either of the REMICs 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)
<PAGE>
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 B-4, Class B-5, Class B-6, Class
A-R and Class A-LR 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 such Distribution Date.
<PAGE>
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-PO
Certificates are the sole Class 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.
Private Certificates: The Class B-4, Class B-5 and Class B-6
Certificates.
<PAGE>
Pro Rata Share: As to any Distribution Date and any Class of
Subordinate Certificates, 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.
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.
Rate Determination Date: As to any Distribution Date and any Class
of LIBOR Certificates, the second LIBOR Business Day prior to the beginning of
the applicable Interest Accrual Period for such Class and such Distribution
Date.
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.
Refinanced Mortgage Loan: Any Mortgage Loan the proceeds of which
were not used to purchase the related Mortgaged Property.
<PAGE>
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.
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, 2.05 or 2.09, 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.
<PAGE>
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.
Reserve Interest Rate: As defined in Section 5.10.
Residual Certificate: Either of the Class A-R or Class A-LR
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).
Rounding Account: As defined in Section 3.23.
Rounding Amount: As defined in Section 3.23.
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
<PAGE>
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
March 2004 through February 2005 30%
March 2005 through February 2006 35%
March 2006 through February 2007 40%
March 2007 through February 2008 45%
March 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.
<PAGE>
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
6.50% 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.
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;
<PAGE>
(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.
Special Retail Certificates: The Class A-14 and Class A-16
Certificates.
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
<PAGE>
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 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.
<PAGE>
Telerate page 3750: As defined in Section 5.10.
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 and amounts
in the Class A-17 Reserve Fund and the Rounding Accounts.
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.
Uncertificated Lower-Tier Interest: A regular interest in the
Lower-Tier REMIC which is held as an asset of the Upper-Tier REMIC and is
entitled to monthly distributions as provided in Section 5.02(a) hereof. Any of
the Class A-L1, Class A-L2, Class A-L4, Class A-L6, Class A-L9, Class A-L17,
Class A-L18, Class A-L21, Class A-LPO, Class A-LUR, Class B-L1, Class B-L2,
Class B-L3, Class B-L4, Class B-L5 and Class B-L6 Interests are Uncertificated
Lower-Tier Interests.
Underwriting Guidelines: The underwriting guidelines of the Bank of
America, FSB or NationsBanc Mortgage Corporation, as applicable.
Upper-Tier Certificate: Any one of the Class A Certificates (other
than the Class A-LR Certificate) and the Class B Certificates.
Upper-Tier Certificate Account: The separate Eligible Account
established and maintained by the Trustee pursuant to Section 3.08(g).
Upper-Tier REMIC: As defined in the Preliminary Statement, the
assets of which consist of the Uncertificated Lower-Tier Interests and such
amounts as shall from time to time be held in the Upper-Tier Certificate
Account.
U.S. Person: A citizen or resident of the United States, a
corporation, partnership (except to the extent provided in applicable Treasury
Regulations) or other entity created or organized in or under the laws of the
United States or any political subdivision thereof, an estate that is subject to
United States federal income tax, regardless of the source of its income, or a
trust, if a court within the United States is able to exercise primary
supervision over the
<PAGE>
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 elect 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 Holders of
the Residual Certificates, (b) 1% of all Voting Rights shall be allocated to the
Holders of the Interest-Only Certificates and (c) 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
<PAGE>
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 proviso 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 1999-1" (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;
(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. 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
<PAGE>
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 (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,
<PAGE>
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, 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
<PAGE>
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:
<PAGE>
(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
<PAGE>
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.
<PAGE>
(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.
<PAGE>
(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
<PAGE>
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,
<PAGE>
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.
<PAGE>
(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) The Mortgage Loan is not a graduated payment mortgage loan and
the Mortgage Loan does not have a shared appreciation or other contingent
interest feature, nor does it contain any "buydown" provision which is
currently in effect.
(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 Refinanced 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 is in recordable form and is
acceptable for recording under the laws of the jurisdiction in which the
Mortgaged Property is located.
<PAGE>
(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
<PAGE>
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
<PAGE>
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 REMICs. The Depositor
hereby designates the Classes of Class A Certificates (other than the Class A-R
and Class A-LR Certificates) 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 Upper-Tier REMIC for the purposes of Code Sections
860G(a)(1) and 860G(a)(2), respectively. The Depositor hereby further designates
the Class A-L1 Interest, Class A-L2 Interest, Class A-L4 Interest, Class A-L6
Interest, Class A-L9 Interest, Class A-L17 Interest, Class A-L18 Interest, Class
A-L21 Interest, Class A-LPO Interest, Class A-LUR Interest, Class B-L1 Interest,
Class B-L2 Interest, Class B-L3 Interest, Class B-L4 Interest, Class B-L5
Interest and Class B-L6 Interest as classes of "regular interests" and the Class
A-LR Certificate as the single class of "residual interest" in the Lower-Tier
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 each of the Upper-Tier REMIC and Lower-Tier
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 Upper-Tier REMIC and
Lower-Tier REMIC is March 25, 2029.
Section 2.09 [Reserved].
Section 2.10 Execution and Delivery of Certificates. The Trustee (i)
acknowledges the issuance of and hereby declares that it holds the
Uncertificated Lower-Tier Interests on behalf of the Upper-Tier REMIC and the
Certificateholders and (ii) has executed and delivered to or upon the order of
the Depositor, in exchange for the Mortgage Loans and Uncertificated Lower-Tier
Interests together with all other assets included in the definition of "Trust
Estate," receipt of which is hereby acknowledged, Certificates in authorized
denominations which, together with the Uncertificated Lower-Tier Interests,
evidence ownership of the entire Trust Estate.
<PAGE>
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
<PAGE>
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,
<PAGE>
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
<PAGE>
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.
<PAGE>
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; Upper-Tier Certificate Account; and
Class A-17 Reserve Fund.
(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-
<PAGE>
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.
<PAGE>
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;
(iii) the Class A-17 Reserve Amount, if any, for each
Distribution Date; and (iv) 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
<PAGE>
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.
(f) The Trustee shall establish and maintain, on behalf of the
Certificateholders, the Class A-17 Reserve Fund. The Class A-17 Reserve Fund
shall be established on the Closing Date with funds remitted by the Depositor to
the Trustee in the amount of $15,000. On each of the first twenty-four
Distribution Dates, the Trustee shall withdraw from the Class A-17 Reserve Fund
and deposit into the Certificate Account the Class A-17 Reserve Amount.
Notwithstanding the definition of "Eligible Account," funds on deposit in the
Class A-17 Reserve Fund shall not be invested. Amounts remaining in the Class
A-17 Reserve Fund after the withdrawal of the Class A-17 Reserve Amount on the
24th Distribution Date shall be remitted to the Holder of the Class A-LR
Certificate.
(g) The Trustee shall establish and maintain the Upper-Tier
Certificate Account. On each Distribution Date (other than the Final
Distribution Date, if such Final Distribution Date is in connection with a
purchase of the assets of the Trust Estate by the Depositor), the Trustee shall,
from funds available on deposit in the Certificate Account, deposit, in
immediately available funds, by wire transfer or otherwise, into the Upper-Tier
Certificate Account, the Lower-Tier Distribution Amount.
<PAGE>
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 1999-1 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
<PAGE>
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, Certificate Account and Upper-Tier 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;
<PAGE>
(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, 2.05
or 2.09, 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.
<PAGE>
(c) Notwithstanding anything herein to the contrary, the Regular
Certificates and the Class A-R Certificate shall not receive distributions
directly from the Certificate Account. On each Distribution Date, funds on
deposit in the Upper-Tier Certificate Account shall be used to make payment on
the Regular Certificates and the Class A-R Certificate as provided in Sections
5.01 and 5.02. The Upper-Tier Certificate Account shall be cleared and
terminated upon termination of this 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
<PAGE>
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
<PAGE>
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 and any other subordinated mortgage pass-through
certificates. Such agreement shall be 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
<PAGE>
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 either the Upper-Tier REMIC
or the Lower-Tier REMIC (as defined in Section 860F of the Code) or cause either
REMIC to fail to qualify as a REMIC at any time that any Certificates are
<PAGE>
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 either 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.
<PAGE>
(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. 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,
<PAGE>
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. 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.
<PAGE>
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 75 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 75 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
<PAGE>
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 either the Upper-Tier REMIC or the Lower-Tier REMIC 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,
<PAGE>
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.
Section 3.23 Maintenance of the Rounding Accounts; Collections
Thereunder.
On or prior to the Closing Date, the Trustee shall establish a
separate account (each, a "Rounding Account") with respect to each of the Class
A-14 and Class A-16 Certificates, and NationsBanc Montgomery Securities LLC
shall deposit $999.99 in each such Rounding Account. The Trustee shall maintain
such accounts to provide, if needed, the applicable Rounding Amount (defined
below) on any Distribution Date. If, on any Distribution Date, the Trustee
determines that amounts are available out of the Pool Distribution Amount (after
giving effect to the last sentence of this paragraph) for distributions of
principal on any Class of the Special Retail Certificates, and the aggregate
amount allocable to such distributions
<PAGE>
of principal is not an amount equal to an integral multiple of $1,000, the
Trustee shall withdraw from the applicable Rounding Account an amount which,
when added to the amount allocable to such distributions of principal, would be
an integral multiple of $1,000 (the "Rounding Amount"). On each Distribution
Date prior to the earlier of (a) the Senior Credit Support Depletion Date and
(b) the date on which any loss is allocated to any Class of the Special Retail
Certificates, with respect to which the Trustee determines that amounts are
available out of the Pool Distribution Amount for distributions of principal on
either Class of Special Retail Certificates, the aggregate amount allocable to
such Class will be applied first to repay any funds withdrawn from the
applicable Rounding Account on prior Distribution Dates which have not been
repaid.
Any amounts withdrawn by the Trustee from any Rounding Account shall
be deposited in the Certificate Account for distribution to the Holders of the
Special Retail Certificates as described in the preceding paragraph.
On or promptly after the earlier of (i) the Senior Credit Support
Depletion Date and (ii) the date on which any loss is allocated to any Class of
the Special Retail Certificates, the Trustee shall remit to NationsBanc
Montgomery Securities LLC any amounts remaining in the applicable Rounding
Account.
Amounts on deposit in the Rounding Accounts shall not be invested.
Each Rounding Account established hereunder, to the extent that it
constitutes a "reserve fund" for purposes of the REMIC Provisions, shall be an
"outside reserve fund" as defined in Section 1.860G-2(h) of the Treasury
Regulations, and in that regard (A) such Rounding Account shall be an outside
reserve fund and not an asset of the either of the Upper-Tier REMIC or
Lower-Tier REMIC, (B) such Rounding Account shall be owned for federal tax
purposes by NationsBanc Montgomery Securities LLC and NationsBanc Montgomery
Securities LLC shall report all amounts of income, deduction, gain or loss
accruing therefrom, and (C) amounts transferred by either REMIC to any Rounding
Account shall be treated for all federal tax purposes as distributed by either
REMIC to NationsBanc Montgomery Securities LLC.
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.
<PAGE>
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 Upper-Tier Certificate Account or Certificate Account, as applicable,
(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; provided, however, that distributions of principal to the Class
A-14 Certificates shall be made as described in Section 5.09.
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, on each of the first twenty-four
Distribution Dates, the Class A-17 Reserve Amount for such Distribution Date),
and shall apply such funds, first, to distributions in respect of the
Uncertificated Lower-Tier Interests as specified in this Section 5.02(a) for
deposit in the Upper-Tier Certificate Account, and then from the Upper-Tier
Certificate Account to distributions on the Certificates in the following order
of priority and to the extent of such funds:
<PAGE>
(i) to each Class of Senior Certificates (other than the Class
A-PO Certificates), an amount allocable to interest equal to the
Interest Distribution Amount for such Class, 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 for purposes of
allocating any shortfall, interest shall be deemed to accrue on the
Class A-17 Certificates at a rate of 6.50% per annum at all times;
(ii) to each Class of Senior Certificates, concurrently as
follows:
(A) to the Class A-PO Certificates, up to the amount of the
PO Principal Amount, until the Class Certificate Balance thereof
has been reduced to zero; and
(B) on each Distribution Date prior to the Senior Credit
Support Depletion Date, the Non-PO Principal Amount, up to the
amount of the Senior Principal Distribution Amount for such
Distribution Date, will be distributed in the following order of
priority:
(i) first, to the Class A-R Certificate (from the
Upper-Tier Certificate Account) and the Class A-LR
Certificate (from the Certificate Account), pro rata, until
the Class Certificate Balance thereof has been reduced to
zero; and
(ii) second, to the Class A-24 Certificates, up to the
Class A-24 Principal Distribution Amount for such
Distribution Date, until their Class Certificate Balance has
been reduced to zero;
(iii) third, concurrently:
(a) 39.7256669278% to the Class A-1 Certificates;
(b) 20.3207013080% to the Class A-3 Certificates;
(c) 15.8638929587% to the Class A-2 Certificates;
(d) 9.8476224175% to the Class A-20 Certificates;
(e) 5.5378253871% to the Class A-4 Certificates;
(f) 4.7383178120% to the Class A-21 Certificates; and
(g) 3.9659731889% to the Class A-6 Certificates;
until the Class Certificate Balance of the Class A-4
Certificates has been reduced to zero;
(iv) fourth, concurrently:
<PAGE>
(a) 39.7256669278% to the Class A-1 Certificates;
(b) 20.3207013080% to the Class A-3 Certificates;
(c) 15.8638929587% to the Class A-2 Certificates;
(d) 9.8476224175% to the Class A-20 Certificates;
(e) 5.5378253871% to the Class A-5 Certificates;
(f) 4.7383178120% to the Class A-21 Certificates; and
(g) 3.9659731889% to the Class A-6 Certificates;
until the Class Certificate Balance of the Class A-1
Certificates has been reduced to zero;
(v) fifth, concurrently:
(a) 20.3207013080% to the Class A-3 Certificates;
(b) 16.8063779711% to the Class A-20 Certificates;
(c) 15.8638929587% to the Class A-2 Certificates;
(d) 15.8528636042% to the Class A-11 Certificates;
(e) 9.6522875895% to the Class A-8 Certificates;
(f) 9.4506301617% to the Class A-5 Certificates;
(g) 8.0872732180% to the Class A-21 Certificates; and
(h) 3.9659731889% to the Class A-6 Certificates;
until the Class Certificate Balance of the Class A-2
Certificates has been reduced to zero;
(vi) sixth, concurrently:
(a) 20.3207013080% to the Class A-3 Certificates;
(b) 16.8063779711% to the Class A-20 Certificates;
(c) 15.8638929587% to the Class A-22 Certificates;
(d) 15.8528636042% to the Class A-11 Certificates;
(e) 9.6522875895% to the Class A-8 Certificates;
<PAGE>
(f) 9.4506301617% to the Class A-5 Certificates;
(g) 8.0872732180% to the Class A-21 Certificates; and
(h) 3.9659731889% to the Class A-6 Certificates;
until the Class Certificate Balance of the Class A-11
Certificates has been reduced to zero;
(vii) seventh, concurrently:
(a) 20.3207013080% to the Class A-3 Certificates;
(b) 16.8063779711% to the Class A-20 Certificates;
(c) 15.8638929587% to the Class A-22 Certificates;
(d) 15.8528636042% to the Class A-12 Certificates;
(e) 9.6522875895% to the Class A-8 Certificates;
(f) 9.4506301617% to the Class A-5 Certificates;
(g) 8.0872732180% to the Class A-21 Certificates; and
(h) 3.9659731889% to the Class A-6 Certificates;
until the Class Certificate Balance of the Class A-5
Certificates has been reduced to zero;
(viii) eighth, concurrently:
(a) 20.3207013080% to the Class A-3 Certificates;
(b) 16.8063779711% to the Class A-20 Certificates;
(c) 15.8638929587% to the Class A-22 Certificates;
(d) 15.8528636042% to the Class A-12 Certificates;
(e) 9.6522875895% to the Class A-8 Certificates;
(f) 9.4506301617% to the Class A-23 Certificates;
(g) 8.0872732180% to the Class A-21 Certificates; and
(h) 3.9659731889% to the Class A-6 Certificates;
<PAGE>
until the Class Certificate Balance of the Class A-12
Certificates has been reduced to zero;
(ix) ninth, concurrently:
(a) 20.3207013080% to the Class A-3 Certificates;
(b) 16.8063779711% to the Class A-20 Certificates;
(c) 15.8638929587% to the Class A-22 Certificates;
(d) 9.6522875895% to the Class A-8 Certificates;
(e) 9.4506301617% to the Class A-23 Certificates;
(f) 8.0872732180% to the Class A-21 Certificates;
(g) 6.6355390768% to the Class A-13 Certificates;
(h) 9.2173245274% to the Class A-14 Certificates; and
(i) 3.9659731889% to the Class A-6 Certificates;
until the Class Certificate Balance of the Class A-20
Certificates has been reduced to zero;
(x) tenth, concurrently:
(a) 20.3207013080% to the Class A-3 Certificates;
(b) 16.8063779711% to the Class A-9 Certificates;
(c) 15.8638929587% to the Class A-22 Certificates;
(d) 9.6522875895% to the Class A-8 Certificates;
(e) 9.4506301617% to the Class A-23 Certificates;
(f) 8.0872732180% to the Class A-21 Certificates;
(g) 6.6355390768% to the Class A-13 Certificates;
(h) 9.2173245274% to the Class A-14 Certificates; and
(i) 3.9659731889% to the Class A-6 Certificates;
until the Class Certificate Balances of the Class A-13
and Class A-14 Certificates have been reduced to zero;
<PAGE>
(xi) eleventh, concurrently:
(a) 20.3207013080% to the Class A-3 Certificates;
(b) 16.8063779711% to the Class A-9 Certificates;
(c) 15.8638929587% to the Class A-22 Certificates;
(d) 15.8528636042% to the Class A-15 Certificates;
(e) 9.6522875895% to the Class A-8 Certificates;
(f) 9.4506301617% to the Class A-23 Certificates;
(g) 8.0872732180% to the Class A-21 Certificates; and
(h) 3.9659731889% to the Class A-6 Certificates;
until the Class Certificate Balances of the Class A-3, Class
A-6, Class A-8, Class A-9, Class A-15, Class A-21, Class
A-22 and Class A-23 Certificates have been reduced to zero;
(xii) twelfth, to the Class A-10, Class A-16, Class
A-17, Class A-18 and Class A-19 Certificates, pro rata,
until their Class Certificate Balances have been reduced to
zero; and
(xiii) thirteenth, to the Class A-24 Certificates,
until their Class Certificate Balance has been reduced to
zero;
(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;
<PAGE>
(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 amounts remaining
in the Upper-Tier Certificate Account, and to the Holder of the Class A-LR
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.
<PAGE>
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.
On each Distribution Date, each Uncertificated Lower-Tier Interest
shall receive distributions in respect of principal in an amount equal to the
amount of principal distributed to their respective Corresponding Upper-Tier
Class or Classes as provided herein. On each Distribution Date, each
Uncertificated Lower-Tier Interest shall receive distributions in respect of
interest in an amount equal to the Interest Distribution Amounts in respect of
its Corresponding Upper-Tier Class or Classes, in each case to the extent
actually distributed thereon. Such amounts distributed to the Uncertificated
Lower-Tier Interests in respect of principal and interest with respect to any
Distribution Date are referred to herein collectively as the "Lower-Tier
Distribution Amount."
As of any date, the principal balance of each Uncertificated
Lower-Tier Interest equals the aggregate Class Principal Balance of the
respective Corresponding Upper-Tier Class or Classes. The initial principal
balance of each Uncertificated Lower-Tier Interest equals the aggregate Initial
Class Certificate Balance of the respective Corresponding Upper-Tier Class or
Classes.
The pass-through rate with respect to the Class A-L1 Interest, Class
A-LUR Interest, Class B-L1 Interest, Class B-L2 Interest, Class B-L3 Interest,
Class B-L4 Interest, Class B-L5 Interest and Class B-L6 Interest shall be 6.50%
per annum. The pass-through rate with respect to the Class A-L2 Interest shall
be 6.00% per annum. The pass-through rate with respect to the Class A-L4
Certificate shall be 6.25% per annum. The pass-through rate with respect to the
Class A-L6 Interest shall be 8.50% per annum. The pass-through rate with respect
to the Class A-L9 Interest shall be 6.40% per annum. The pass-through rate with
respect to the Class A-L17 Interest shall be 7.50% for the first twelve Interest
Accrual Periods, 7.00% for the next twelve Interest Accrual Periods and 6.50%
for each Interest Accrual Period thereafter. The pass-through rate with respect
to the Class A-L18 Interest shall be 8.00% annum. The pass-through rate with
respect to the Class A-L21 Interest shall be 7.00% per annum. The Class A-LPO
Interest is a principal-only interest and is not entitled to distributions of
interest. Any Non-Supported Interest Shortfalls will be allocated to each
Uncertificated Lower-Tier Interest in the same relative proportions as interest
is allocated to such Uncertificated Lower-Tier Interest.
(b) On each Distribution Date on or after the Senior Credit Support
Depletion Date, notwithstanding the allocation and priority set forth in Section
5.02(a)(ii)(B), the portion of the Pool Distribution Amount available to be
distributed as principal of the Senior 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 (or,
in the case of the Class A-17 Certificates, the Interest Distribution Amount
computed as if the Pass-Through Rate were 6.500% at all times)
<PAGE>
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
immediately prior to such Distribution Date (the "Credit Support Percentage") is
less than the Original Credit Support Percentage for such Class, no distribution
of principal will be made to any Classes junior to such Class (the "Restricted
Classes") and the amount otherwise distributable to the Restricted Classes in
respect of principal shall be distributed to the Classes of Subordinate
Certificates that are not Restricted Classes, pro rata, based on their
respective Class Certificate Balances immediately prior to such Distribution
Date, in the order provided in Section 5.02(a)(iv) until the Class Certificate
Balances of such Classes have been reduced to zero. Any funds remaining will be
distributed to the Restricted Classes 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 until the Class
Certificate Balances thereof have been reduced to zero; and
<PAGE>
(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) and the Subordinate Certificates then
outstanding, pro rata, on the basis of their respective Class Certificate
Balances.
(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.
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) With respect to any Distribution Date, Realized Losses allocated
pursuant to this Section 5.03 will be allocated to each Uncertificated
Lower-Tier Interest in an amount equal to the amount allocated to its respective
Corresponding Upper-Tier Class or Classes as provided above.
<PAGE>
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, 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 Class A-24 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;
<PAGE>
(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 and 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 or notional amount.
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
Holders of the Residual Certificates for quarterly notices on Schedule Q (Form
1066) (which information shall be forwarded to the Holders of the Residual
Certificates by the Trustee), (ii) information to be
<PAGE>
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 each 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 each 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 Upper-Tier REMIC and the
Lower-Tier REMIC shall each 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 each 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 each 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 each 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 each 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.
<PAGE>
Section 5.06 Tax Matters Person. The Tax Matters Person shall have
the same duties with respect to each 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
Upper-Tier REMIC. The Holder of the Class A-LR Certificate is hereby designated
as the Tax Matters Person for the Lower-Tier REMIC. By their acceptance of the
Class A-R or Class A-LR Certificate, as applicable, each such Holder irrevocably
appoints the Trustee as its agent to perform all of the duties of the Tax
Matters Person for the Upper-Tier REMIC and the Lower-Tier 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 Upper-Tier REMIC and the
Lower-Tier REMIC as REMICs and avoid the imposition of tax on either REMIC. In
particular:
(a) The Trustee shall not create, or permit the creation of, any
"interests" in either REMIC within the meaning of Code Section 860D(a)(2) other
than the interests represented by the Regular Certificates, the Residual
Certificates and the Uncertificated Lower-Tier Interests.
(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 each 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 either 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 either 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, 2.09 or 3.14(b)), unless such
<PAGE>
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 either the Upper-Tier
REMIC or the Lower-Tier REMIC and will not disqualify either REMIC 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.
Section 5.09 Principal Distributions on the Special Retail
Certificates. Prior to the earlier of (1) the Senior Credit Support Depletion
Date and (2) the date on which any Realized Loss is allocated to any Class of
Special Retail Certificates, distributions in reduction of the Class Certificate
Balance of such Class will be made in integral multiples of $1,000 at the
request of the appropriate representatives of Deceased Holders of Certificates
of each such Class and at the request of Living Holders of Certificates of each
such Class or by mandatory distributions, pursuant to Section 5.09(a) and
Section 5.09(d). On and after the earlier of (A) the Senior Credit Support
Depletion Date and (B) the date on which any Realized Loss is allocated to any
Class of Special Retail Certificates, distributions in reduction of the Class
Certificate Balances of such Class will be made on a pro rata basis pursuant to
Section 5.09(e).
(a) Except as set forth in Section 5.09(e), on each Distribution
Date on which principal distributions to any Class of the Special Retail
Certificates are made, such distributions will be made in the following
priority:
(i) first, to requesting Deceased Holders, in the order in which such
requests are received by the Depository, but not exceeding an aggregate
amount of $25,000 for each requesting Deceased Holder; and
(ii) second, to requesting Living Holders, in the order in which such
requests are received by the Depository, but not exceeding an aggregate
amount of $10,000 for each requesting Living Holder.
Thereafter, distributions will be made, with respect to such Class
of the Special Retail Certificates, as provided in clauses (i) and (ii) above,
up to a second $25,000 and $10,000, respectively. This sequence of priorities
will be repeated until all requests for principal distributions by Deceased
Holders and Living Holders of such Class have been honored, to the extent of
amounts available for principal distributions to the Holders of such Class.
All requests for principal distributions to Special Retail
Certificates will be accepted in accordance with the provisions set forth in
Section 5.09(c). Requests for principal
<PAGE>
distributions that are received by the Trustee after the related Record Date and
requests for principal distributions received in a timely manner but not
accepted with respect to any Distribution Date, will be treated as requests for
principal distributions to the Special Retail Certificates on the next
succeeding Distribution Date, and each succeeding Distribution Date thereafter,
until each such request is accepted or is withdrawn as provided in Section
5.09(c). Such requests that are not withdrawn shall retain their order of
priority without the need for any further action on the part of the appropriate
Certificate Owner of the related Special Retail Certificate, all in accordance
with the procedures of the Depository and the Trustee. Upon the transfer of
beneficial ownership of any Special Retail Certificate, any distribution request
previously submitted with respect to such Certificate will be deemed to have
been withdrawn only upon the receipt by the Trustee on or before the Record Date
for such Distribution Date of notification of such withdrawal in the manner set
forth in Section 5.09(c) using a form required by the Depository.
Distributions in reduction of the Class Certificate Balance of any
Class of Special Retail Certificates will be applied in an amount equal to the
portion of the Senior Principal Distribution Amount allocable to such Class
pursuant to Section 5.02, plus any amounts available for distribution from the
applicable Rounding Account established as provided in Section 3.23, provided
that the aggregate distribution of principal to such Class on any Distribution
Date shall be made in an integral multiple of $1,000.
To the extent that the portion of the Senior Principal Distribution
Amount allocable to any Class of Special Retail Certificates on any Distribution
Date exceeds the aggregate Class Certificate Balance of that Class of Special
Retail Certificates with respect to which principal distribution requests have
been received, principal distributions in reduction of the Class Certificate
Balance of such Class will be made by mandatory distribution pursuant to Section
5.09(d).
(b) A Special Retail Certificate shall be deemed to be held by a
Deceased Holder for purposes of this Section 5.09 if the death of the
Certificate Owner thereof is deemed to have occurred. Special Retail
Certificates beneficially owned by tenants by the entirety, joint tenants or
tenants in common will be considered to be beneficially owned by a single owner.
The death of a tenant by the entirety, joint tenant or tenant in common will be
deemed to be the death of the Certificate Owner. Special Retail Certificates
beneficially owned by a trust will be considered to be beneficially owned by
each beneficiary of the trust to the extent of such beneficiary's beneficial
interest therein, but in no event will a trust's beneficiaries collectively be
deemed to be Certificate Owners of a number of Special Retail Certificates
greater than the number of Special Retail Certificates of which such trust is
the owner. The death of a beneficiary of a trust will be deemed to be the death
of a Certificate Owner of the Special Retail Certificates beneficially owned by
the trust to the extent of such beneficiary's beneficial interest in such trust.
The death of an individual who was a tenant by the entirety, joint tenant or
tenant in common in a tenancy which is the beneficiary of a trust will be deemed
to be the death of the beneficiary of such trust. The death of an individual
who, during his or her lifetime, was entitled to substantially all of the
beneficial ownership interests in a Special Retail Certificate will be deemed to
be the death of the Certificate Owner of such Special Retail Certificate
regardless of the registration of ownership, if such beneficial ownership
interest can be established to the satisfaction of the Trustee. Such beneficial
interest will be deemed to exist in typical cases of
<PAGE>
street name or nominee ownership, ownership by a trustee, ownership under the
Uniform Gifts to Minors Act and community property or other joint ownership
arrangements between a husband and wife. Beneficial interest shall include the
power to sell, transfer or otherwise dispose of a Special Retail Certificate and
the right to receive the proceeds therefrom, as well as interest and principal
distributions, as applicable, payable with respect thereto. The Trustee shall
not be under any duty to determine independently the occurrence of the death of
any deceased Certificate Owner. The Trustee may rely entirely upon documentation
delivered to it pursuant to Section 5.09(c) in establishing the eligibility of
any Certificate Owner to receive the priority accorded Deceased Holders in
Section 5.09(a).
(c) Requests for principal distributions to the Certificate Owner of
any Special Retail Certificate must be made by delivering a written request
therefor to the Depository Participant or Indirect Depository Participant that
maintains the account evidencing such Certificate Owner's interest in such
Certificate. In the case of a request on behalf of a Deceased Holder,
appropriate evidence of death and any tax waivers are required to be forwarded
to the Trustee under separate cover. The Depository Participant should in turn
make the request of the Depository (or, in the case of an Indirect Depository
Participant, such Indirect Depository Participant must notify the related
Depository Participant of such request, which Depository Participant should make
the request of the Depository) in the manner required under the rules and
regulations of the Depository's APUT System. Upon receipt of such request, the
Depository will date and time stamp such request and forward such request to the
Trustee. The Depository may establish such procedures as it deems fair and
equitable to establish the order of receipt of requests for such distributions
received by it on the same day. None of the Depositor, the Master Servicer or
the Trustee shall be liable for any delay in delivery of requests for
distributions or withdrawals of such requests by the Depository, a Depository
Participant or any Indirect Depository Participant.
The Trustee shall maintain a list of those Depository Participants
representing the appropriate Certificate Owners of Special Retail Certificates
that have submitted requests for principal distributions, together with the
order of receipt and the amounts of such requests. Subject to the priorities
described in Section 5.09(a) above, the Depository will honor requests for
distributions in the order of their receipt. The Trustee shall notify the
Depository as to which requests should be honored on each Distribution Date at
least two Business Days prior to such Distribution Date and shall notify the
Depository as to the portion of the Senior Principal Distribution Amount
(together with any amounts available for distribution from the applicable
Rounding Account) to be distributed to the Special Retail Certificates by
mandatory distribution pursuant to Section 5.09(d). Requests shall be honored by
the Depository in accordance with the procedures, and subject to the priorities
and limitations, described in this Section 5.09. The exact procedures to be
followed by the Trustee and the Depository for purposes of determining such
priorities and limitations will be those established from time to time by the
Trustee or the Depository, as the case may be. The decisions of the Trustee and
the Depository concerning such matters will be final and binding on all affected
Persons.
Special Retail Certificates that have been accepted for a
distribution shall be due and payable on the applicable Distribution Date. Such
Certificates shall cease to bear interest after the last day of the calendar
month preceding the month in which such Distribution Date occurs.
<PAGE>
Any Certificate Owner of a Special Retail Certificate that has
requested a principal distribution may withdraw its request by so notifying in
writing the Depository Participant or Indirect Depository Participant that
maintains such Certificate Owner's account. If such account is maintained by an
Indirect Depository Participant, such Indirect Depository Participant must
notify the related Depository Participant which in turn must forward the
withdrawal of such request, in the manner required under the rules and
regulations of the Depository's APUT System, to the Depository to be forwarded
to the Trustee. If such notice of withdrawal of a request for distribution has
not been received by the Depository and forwarded to the Trustee on or before
the Record Date for the next Distribution Date, the previously made request for
a principal distribution will be irrevocable with respect to the making of
principal distributions on such Distribution Date.
If any requests for principal distributions are rejected by the
Trustee for failure to comply with the requirements of this Section 5.09, the
Trustee shall return such request to the appropriate Depository Participant with
a copy to the Depository with an explanation as to the reason for such
rejection.
(d) If principal distributions to be made to any Class of the
Special Retail Certificates on a Distribution Date exceed the aggregate amount
of principal distribution requests for such Class which have been received on or
before the applicable Record Date, as provided in Section 5.09(a) above,
additional Special Retail Certificates of such Class will be selected to receive
mandatory principal distributions in lots equal to $1,000 in accordance with the
then-applicable random lot procedures of the Depository, and the then-applicable
procedures of the Depository Participants and Indirect Depository Participants
representing the Certificate Owners (which procedures may or may not be by
random lot). The Trustee shall notify the Depository of the aggregate amount of
the mandatory principal distribution to be made on the next Distribution Date.
The Depository shall then allocate such aggregate amount among the Depository
Participants on a random lot basis. Each Depository Participant and, in turn,
each Indirect Depository Participant will then select, in accordance with its
own procedures, Special Retail Certificates of such Class from among those held
in its accounts to receive mandatory principal distributions, such that the
total amount of principal distributed to the Special Retail Certificates of such
Class so selected is equal to the aggregate amount of such mandatory
distributions allocated to such Depository Participant by the Depository and to
such Indirect Depository Participant by its related Depository Participant, as
the case may be. Depository Participants and Indirect Depository Participants
that hold Special Retail Certificates of such Class selected for mandatory
principal distributions are required to provide notice of such mandatory
distributions to the affected Certificate Owners.
(e) Notwithstanding any provisions herein to the contrary, on each
Distribution Date on and after the earlier of (i) the Senior Credit Support
Depletion Date and (ii) the date on which any Realized Loss is allocated to any
Class of Special Retail Certificates, distributions in reduction of the Class
Certificate Balance of such Class will be made pro rata among the Certificate
Owners of the Certificates of such Class and will not be made in integral
multiples of $1,000 or pursuant to requests for distribution as permitted by
Section 5.09(a) or by mandatory distributions as provided for by Section
5.09(d).
<PAGE>
(f) In the event that Definitive Certificates representing the
Special Retail Certificates are issued pursuant to Section 6.02(c)(iii), an
amendment to this Agreement, which may be approved without the consent of any
Certificateholders, shall establish procedures relating to the manner in which
distributions in reduction of the Class Certificate Balance of each Class of the
Special Retail Certificates are to be made; provided that such procedures shall
be consistent, to the extent practicable and customary for certificates similar
to the Special Retail Certificates, with the provisions of this Section 5.09.
Section 5.10 Determination of LIBOR. On each Rate Determination Date
for a Class of LIBOR Certificates, the Trustee shall determine LIBOR for the
applicable Distribution Date on the basis of the British Bankers' Association
("BBA") "Interest Settlement Rate" for one-month deposits in U.S. dollars as
found on Telerate page 3750 as of 11:00 A.M. London time on such Rate
Determination Date. As used herein, "Telerate page 3750" means the display
designated as page 3750 on the Dow Jones Telerate Service.
If on any Rate Determination Date for a Class of LIBOR Certificates,
the Trustee is unable to determine LIBOR on the basis of the method set forth in
the preceding paragraph, LIBOR for the applicable Distribution Date will be
whichever is higher of (x) LIBOR as determined on the previous Rate
Determination Date for such Class of LIBOR Certificates or (y) the Reserve
Interest Rate. The "Reserve Interest Rate" will be the rate per annum which the
Trustee determines to be either (A) the arithmetic mean (rounding such
arithmetic mean upwards if necessary to the nearest whole multiple of 1/16%) of
the one-month Eurodollar lending rates that New York City banks selected by the
Trustee are quoting, on the relevant Rate Determination Date, to the principal
London offices of at least two leading banks in the London interbank market or
(B) in the event that the Trustee can determine no such arithmetic mean, the
lowest one-month Eurodollar lending rate that the New York City banks selected
by the Trustee are quoting on such Rate Determination Date to leading European
banks.
If on any Rate Determination Date for a Class of LIBOR Certificates,
the Trustee is required but is unable to determine the Reserve Interest Rate in
the manner provided in the preceding paragraph, LIBOR for the applicable
Distribution Date will be LIBOR as determined on the previous Rate Determination
Date for such Class of LIBOR Certificates, or, in the case of the first Rate
Determination Date, the Initial LIBOR Rate.
The establishment of LIBOR by the Trustee and the Trustee's
subsequent calculation of the rates of interest applicable to each of the LIBOR
Certificates in the absence of manifest error, will be final and binding. After
a Rate Determination Date, the Trustee shall provide the Pass-Through Rates of
the LIBOR Certificates for the related Distribution Date to Beneficial Owners or
Holders of LIBOR Certificates who place a telephone call to the Trustee at (212)
815-7162 and make a request therefor.
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,
<PAGE>
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-23, A-24, A-PO, A-R, A-LR, 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, Class A-R and Class A-LR Certificates) shall be available to
investors in interests representing minimum dollar Certificate Balances (or
notional amounts) 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 or
notional amount). The Class A-R and Class A-LR Certificates shall each be in a
minimum denomination of $100. The Senior Certificates (other than the Class A-R
and Class A-LR Certificates) 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.
<PAGE>
(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, (C) after the occurrence of an
Event of Default, or (D) in the event the Depository is unable to make the
pro rata distributions required by Section 5.09(e), 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.
<PAGE>
(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
<PAGE>
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
<PAGE>
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
<PAGE>
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
<PAGE>
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
<PAGE>
(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
<PAGE>
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
<PAGE>
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
<PAGE>
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
<PAGE>
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;
<PAGE>
(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
<PAGE>
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
<PAGE>
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
<PAGE>
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
<PAGE>
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
<PAGE>
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
<PAGE>
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
<PAGE>
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.
<PAGE>
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
<PAGE>
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 and A-LR Certificates, the amounts, if any, which remain on deposit in
the Upper-Tier Certificate Account and the Certificate Account, respectively
(other than the amounts retained to meet claims) after application pursuant to
clause (I) above. An amount shall be distributed in respect of interest and
principal to the Uncertificated Lower-Tier Interests in the same amounts as
distributed to their Corresponding Upper-Tier Class or Classes.
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 two separate REMICs at any time that any
Certificates are outstanding:
(A) 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
<PAGE>
(B) 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 Upper-Tier REMIC and the
Lower-Tier 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
Upper-Tier REMIC and the Lower-Tier REMIC. (b) By their acceptance of
the Residual Certificates, the Holders thereof hereby agree 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 Upper-Tier REMIC and the Lower-Tier REMIC as REMICs at all
times that any Certificates are outstanding or to avoid or minimize the risk of
the imposition of any tax on either 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
<PAGE>
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 Upper-Tier REMIC or the
Lower-Tier REMIC as REMICs 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 Upper-Tier REMIC or the
Lower-Tier REMIC as REMICs.
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.
<PAGE>
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,
<PAGE>
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.
<PAGE>
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:_______________________________
Title:______________________________
NATIONSBANC MORTGAGE CORPORATION,
as Servicer
By:____________________________________
Name:_______________________________
Title:______________________________
BANK OF AMERICA, FSB,
as Servicer
By:____________________________________
Name:_______________________________
Title:______________________________
THE BANK OF NEW YORK,
as Trustee
By:____________________________________
Name:_______________________________
Title:______________________________
<PAGE>
STATE OF NEW YORK )
) ss.:
COUNTY OF NEW YORK )
On the 23rd day of February, 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 __ day of February, 1999, before me, a notary public in and
for the State of North Carolina, personally appeared _____________________,
known to me who, being by me duly sworn, did depose and say that he is a Senior
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 23rd day of February, 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 23rd day of February, 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 1999-1
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 1999-1
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of all
Certificates of this Class: $166,404,000.00
Pass-Through Rate: 6.500%
CUSIP No.: 060506 AA 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 aggregate Initial Class Certificate
Balance of all Certificates 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 February 23, 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 Class Certificate
Balance at any time may be less
<PAGE>
than the Class 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 1999-1
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 1999-1
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of all
Certificates of this Class: $66,459,200.00
Pass-Through Rate: 6.000%
CUSIP No.: 060506 AB 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 aggregate Initial Class Certificate
Balance of all Certificates 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 February 23, 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 Class Certificate
Balance at any time may be less than the Class Certificate Balance as set forth
herein. This Certificate does not evidence an
<PAGE>
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 1999-1
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 1999-1
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of all
Certificates of this Class: $100,000,000.00
Pass-Through Rate: 6.500%
CUSIP No.: 060506 AC 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 aggregate Initial Class Certificate
Balance of all Certificates 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 February 23, 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 Class Certificate
Balance at any time may be less
<PAGE>
than the Class 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 1999-1
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 1999-1
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of all
Certificates of this Class: $1,917,000.00
Pass-Through Rate: 6.250%
CUSIP No.: 060506 AD 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 aggregate Initial Class Certificate
Balance of all Certificates 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 February 23, 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 Class Certificate
Balance at any time may be less
<PAGE>
than the Class 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 1999-1
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 1999-1
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of all
Certificates of this Class: $25,000,000.00
Pass-Through Rate: 6.250%
CUSIP No.: 060506 AE 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 aggregate Initial Class Certificate
Balance of all Certificates 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 February 23, 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 Class Certificate
Balance at any time may be less than the Class Certificate Balance as set forth
herein. This Certificate does not evidence an
<PAGE>
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 1999-1
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 1999-1
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of all
Certificates of this Class: $19,516,911.00
Pass-Through Rate: Floating
CUSIP No.: 060506 AF 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 aggregate Initial Class Certificate
Balance of all Certificates 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 February 23, 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 Class Certificate
Balance at any time may be less than the Class Certificate Balance as set forth
herein. This Certificate does not evidence an
<PAGE>
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.
The Pass-Through Rate applicable with respect to the Distribution Date in
March 1999 will be 5.45% per annum, and on each subsequent Distribution Date
shall be determined as provided in the Pooling and Servicing Agreement.
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 1999-1
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 NOTIONAL AMOUNT OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN.
ACCORDINGLY, THE OUTSTANDING NOTIONAL AMOUNT OF THIS CERTIFICATE MAY BE LESS
THAN THE AMOUNT SET FORTH BELOW.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-1
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Notional Amount
of this Certificate
("Denomination"): $
Initial Notional Amount
of all Certificates
of this Class: $19,516,911.00
Pass-Through Rate: Inverse Floating Rate
CUSIP No.: 060506 AG 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 aggregate Initial Notional Amount of all
Certificates 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 February
23, 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.
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.
<PAGE>
This Class A-7 Certificate represents the right to receive interest at the
Pass-Through Rate for such Class on the Class A-7 Notional Amount. The
Pass-Through Rate applicable with respect to the Distribution Date in March 1999
will be 3.05% per annum, and on each subsequent Distribution Date shall be
determined as provided in the Pooling and Servicing Agreement. This Class A-7
Certificate is not entitled to any distributions with respect to principal on
the Mortgage Loans in the Trust.
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 February 23, 1999, at an issue price of
6.50000% of the initial Class A-7 Notional Amount and a stated redemption price
at maturity equal to all interest distributions hereon, and is issued with
original issue discount ("OID") for federal income tax purposes. Assuming (a)
that this Certificate pays in accordance with projected cash flows reflecting
the prepayment assumption of 275% SPA (as defined in the Prospectus Supplement
dated February 18, 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 and (b) that the interest rate at which distributions of interest on
this Certificate actually will be made will be determined as though the
pass-through rate on this Certificate applicable to the first Distribution Date
will not change thereafter: (i) the amount of OID as a percentage of the initial
Class A-7 Notional Amount is approximately 13.98358285%; and (ii) the annual
yield to maturity of this Certificate, compounded monthly, is approximately
35.36%. 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-8
[FORM OF FACE OF CLASS A-8 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-1
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 1999-1
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of all
Certificates of this Class: $7,068,000.00
Pass-Through Rate: 6.500%
CUSIP No.: 060506 AH 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 aggregate Initial Class Certificate
Balance of all Certificates 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 February 23, 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 Class Certificate
Balance at any time may be less than the Class Certificate Balance as set forth
herein. This Certificate does not evidence an
<PAGE>
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 1999-1
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 1999-1
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of all
Certificates of this Class: $3,556,666.00
Pass-Through Rate: 6.400%
CUSIP No.: 060506 AJ 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 aggregate Initial Class Certificate
Balance of all Certificates 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 February 23, 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 Class Certificate
Balance at any time may be less
<PAGE>
than the Class 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 February 23, 1999, and based on its issue
price of 96.17236%, 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% SPA (as defined in the Prospectus Supplement dated February
18, 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 3.82763889%; and (ii) the annual yield to maturity
of this Certificate, compounded monthly, is approximately 6.94%. 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-10
[FORM OF FACE OF CLASS A-10 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-1
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 1999-1
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of all
Certificates of this Class: $17,755,000.00
Pass-Through Rate: 6.500%
CUSIP No.: 060506 AK 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 aggregate Initial Class Certificate
Balance of all Certificates 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 February 23, 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 Class Certificate
Balance at any time may be less
<PAGE>
than the Class 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 1999-1
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 1999-1
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of all
Certificates of this Class: $4,843,000.00
Pass-Through Rate: 6.500%
CUSIP No.: 060506 AL 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 aggregate Initial Class Certificate Balance of all
Certificates 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 February
23, 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 Class Certificate
Balance at any time may be less
<PAGE>
than the Class 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 1999-1
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 1999-1
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of all
Certificates of this Class: $2,183,000.00
Pass-Through Rate: 6.500%
CUSIP No.: 060506 AM 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 aggregate Initial Class Certificate
Balance of all Certificates 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 February 23, 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 Class Certificate
Balance at any time may be less
<PAGE>
than the Class 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>
[FORM OF FACE OF CLASS A-13 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-1
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 1999-1
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of all
Certificates of this Class: $1,136,000.00
Pass-Through Rate: 6.500%
CUSIP No.: 060506 AN 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 aggregate Initial Class Certificate
Balance of all Certificates 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 February 23, 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 Class Certificate
Balance at any time may be less
<PAGE>
than the Class 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 1999-1
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 1999-1
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of all
Certificates of this Class: $1,578,000.00
Pass-Through Rate: 6.500%
CUSIP No.: 060506 AP 7
This certifies that ________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
current Certificate Balance of this Certificate by the aggregate current Class
Certificate Balance of all Certificates 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 February 23, 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 Class Certificate
Balance at any time may be less
<PAGE>
than the Class 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 1999-1
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 1999-1
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of all
Certificates of this Class: $1,868,444.00
Pass-Through Rate: 6.500%
CUSIP No.: 060506 AQ 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 aggregate Initial Class Certificate
Balance of all Certificates 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 February 23, 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 Class Certificate
Balance at any time may be less
<PAGE>
than the Class 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-16
[FORM OF FACE OF CLASS A-16 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-1
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 1999-1
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of all
Certificates of this Class: $2,000,000.00
Pass-Through Rate: 6.500%
CUSIP No.: 060506 AR 3
This certifies that ______________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
current Certificate Balance of this Certificate by the aggregate current Class
Certificate Balance of all Certificates 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 February 23, 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 Class Certificate
Balance at any time may be less
<PAGE>
than the Class 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 1999-1
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 1999-1
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of all
Certificates of this Class: $1,000,000.00
Pass-Through Rate: Step Coupon
CUSIP No.: 060506 AS 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 aggregate Initial Class Certificate
Balance of all Certificates 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 February 23, 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 Class Certificate
Balance at any time may be less than the Class Certificate Balance as set forth
herein. This Certificate does not evidence an
<PAGE>
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.
During the first twelve Interest Accrual Periods, the Pass-Through Rate
shall be 7.500% per annum. For the next twelve Interest Accrual Periods, the
Pass-Through Rate shall be 7.000%. After that time, the Pass-Through Rate shall
be 6.500%.
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 1999-1
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 1999-1
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of all
Certificates of this Class: $1,625,000.00
Pass-Through Rate: Floating
CUSIP No.: 060506 AT 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 aggregate Initial Class Certificate
Balance of all Certificates 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 February 23, 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 Class Certificate
Balance at any time may be less than the Class Certificate Balance as set forth
herein. This Certificate does not evidence an
<PAGE>
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.
The Pass-Through Rate applicable with respect to the Distribution Date in
March 1999 will be 5.95% per annum, and on each subsequent Distribution Date
shall be determined as provided in the Pooling and Servicing Agreement.
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 1999-1
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 1999-1
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of all
Certificates of this Class: $375,000.00
Pass-Through Rate: Inverse Floating
CUSIP No.: 060506 AU 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 aggregate Initial Class Certificate
Balance of all Certificates 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 February 23, 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 Class Certificate
Balance at any time may be less than the Class Certificate Balance as set forth
herein. This Certificate does not evidence an
<PAGE>
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.
The Pass-Through Rate applicable with respect to the Distribution Date in
March 1999 will be 8.8833% per annum, and on each subsequent Distribution Date
shall be determined as provided in the Pooling and Servicing Agreement.
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-20
[FORM OF FACE OF CLASS A-20 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-1
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 1999-1
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of all
Certificates of this Class: $50,000,000.00
Pass-Through Rate: 6.400%
CUSIP No.: 060506 AV 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 aggregate Initial Class Certificate
Balance of all Certificates 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 February 23, 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 Class Certificate Balance at any time may be less
than the Class Certificate Balance as set forth herein. This Certificate does
not evidence an obligation
<PAGE>
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 1999-1
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").
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 1999-1
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of all
Certificates of this Class: $25,770,000.00
Pass-Through Rate: 7.000%
CUSIP No.: 060506 AW 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 aggregate Initial Class Certificate
Balance of all Certificates 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 February 23, 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 Class Certificate
Balance at any time may be less
<PAGE>
than the Class 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-22
[FORM OF FACE OF CLASS A-22 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-1
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.
<PAGE>
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-1
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of all
Certificates of this Class: $11,608,445.00
Pass-Through Rate: 6.000%
CUSIP No.: 060506 AX 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 aggregate Initial Class Certificate Balance of all
Certificates 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 February
23, 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 Class Certificate
Balance at any time may be less
<PAGE>
than the Class 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 February 23, 1999, and based on its issue
price of 94.72604%, 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% SPA (as defined in the Prospectus Supplement dated February
18, 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 5.27395833%; and (ii) the annual yield to maturity
of this Certificate, compounded monthly, is approximately 6.76%. 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-23
[FORM OF FACE OF CLASS A-23 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-1
Class A-23
[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 1999-1
Class A-23
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of all
Certificates of this Class: $3,200,334.00
Pass-Through Rate: 6.250%
CUSIP No.: 060506 AY 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 aggregate Initial Class Certificate
Balance of all Certificates 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 February 23, 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 Class Certificate
Balance at any time may be less
<PAGE>
than the Class 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 February 23, 1999, and based on its issue
price of 95.44444%, 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% SPA (as defined in the Prospectus Supplement dated February
18, 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 4.55555556%; and (ii) the annual yield to maturity
of this Certificate, compounded monthly, is approximately 6.81%. 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-24
[FORM OF FACE OF CLASS A-24 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-1
Class A-24
[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 1999-1
Class A-24
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of all
Certificates of this Class: $60,000,000.00
Pass-Through Rate: 6.500%
CUSIP No.: 060506 AZ 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 aggregate Initial Class Certificate
Balance of all Certificates 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 February 23, 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 Class Certificate
Balance at any time may be less than the Class 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 1999-1
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 1999-1
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of all
Certificates of this Class: $1,216,881.00
CUSIP No.: 060506 BA 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 aggregate Initial Class Certificate
Balance of all Certificates 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 February 23, 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 Class Certificate
Balance at any time may be less than the Class 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
<PAGE>
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 February 23, 1999, at an issue price of
66.00000% 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% SPA (as
defined in the Prospectus Supplement dated February 18, 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
34.00000000%; and (ii) the annual yield to maturity of this Certificate,
compounded monthly, is approximately 7.90%.
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 1999-1
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 1999-1
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: February 1, 1999
First Distribution Date: March 25, 1998
Initial Certificate
Balance of this
Certificate
("Denomination"): $100.00
Initial Class Certificate
Balances of all Certificates
of this Class: $100.00
Pass-Through Rate: 6.500%
CUSIP No.: 060506 BB 7
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 February 23, 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 Class Certificate
Balance at any time may be less
<PAGE>
than the Class 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 Upper-Tier
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 the Class A-R Certificate shall be
deemed by the acceptance or acquisition thereof to have agreed to be bound by
the following provisions and to have irrevocably appointed the Trustee or its
designee as its attorney-in-fact to negotiate the terms of any mandatory sale
under clause (vi) below and to execute all instruments of transfer and to do all
other things necessary in connection with any such sale, and the rights of each
Person acquiring the Class A-R Certificate are expressly subject to the
following provisions: (i) each Person holding or acquiring the 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 a Class A-R
Certificate unless such ownership interest is a pro rata undivided interest;
(iii) in connection with any proposed transfer of the 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) no 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 such Residual Certificate will not be disregarded for federal
income tax purposes; (v) any attempted or purported transfer of the 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;
(vi) if any Person other than a Permitted Transferee acquires the Class A-R
Certificate in violation of such restrictions, then the Trustee shall have the
right but not the obligation, without notice to the Holder of the Class A-R
Certificate or any other Person having an ownership interest therein, to arrange
for the sale of such Class A-R Certificate, and the proceeds of such sale, net
of commissions (which may include commissions payable to the Trustee or its
affiliates), expenses and taxes due, if any, will be remitted by the Trustee to
the previous Holder of the Class A-R Certificate that is a Permitted Transferee,
except that in the event that the Trustee determines that such Holder of the
Class A-R Certificate may be liable for any amount due under Section 6.02 of the
Pooling and Servicing Agreement or any other provisions of the Pooling and
Servicing Agreement, the Trustee may withhold a corresponding amount from such
remittance as security for such claim; provided the terms and conditions of any
sale under this clause (vi) shall be determined in the sole discretion of the
Trustee, and it shall not be liable to any Person having an ownership interest
in the Class A-R Certificate as a result of its exercise of such discretion; and
(ii) if any Person other than a Permitted Transferee acquires the Class A-R
Certificate in violation of such restrictions, then the
<PAGE>
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 A-LR
[FORM OF FACE OF CLASS A-LR CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-1
Class A-LR
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-LR 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 1999-1
Class A-LR
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $100.00
Initial Class Certificate
Balances of all Certificates
of this Class: $100.00
Pass-Through Rate: 6.500%
CUSIP No.: 060506 BC 5
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 February 23, 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 Class Certificate
Balance at any time may be less
<PAGE>
than the Class 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 Pool Distribution Amount
will be made only upon presentment and surrender of this Class A-LR Certificate
at the Corporate Trust Office.
Each Person who has or who acquires the Class A-LR Certificate shall be
deemed by the acceptance or acquisition thereof to have agreed to be bound by
the following provisions and to have irrevocably appointed the Trustee or its
designee as its attorney-in-fact to negotiate the terms of any mandatory sale
under clause (vi) below and to execute all instruments of transfer and to do all
other things necessary in connection with any such sale, and the rights of each
Person acquiring the Class A-LR Certificate are expressly subject to the
following provisions: (i) each Person holding or acquiring the Class A-LR
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 Class A-LR
Certificate unless such ownership interest is a pro rata undivided interest;
(iii) in connection with any proposed transfer of the Class A-LR 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) no 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 such Residual Certificate will not be disregarded for federal
income tax purposes; (v) any attempted or purported transfer of the Class A-LR
Certificate in violation of the provisions of such restrictions shall be
absolutely null and void and shall vest no rights in the purported transferee;
(vi) if any Person other than a Permitted Transferee acquires the Class A-LR
Certificate in violation of such restrictions, then the Trustee shall have the
right but not the obligation, without notice to the Holder of the Class A-LR
Certificate or any other Person having an ownership interest therein, to arrange
for the sale of such Class A-LR Certificate, and the proceeds of such sale, net
of commissions (which may include commissions payable to the Trustee or its
affiliates), expenses and taxes due, if any, will be remitted by the Trustee to
the previous Holder of the Class A-LR Certificate that is a Permitted
Transferee, except that in the event that the Trustee determines that such
Holder of the Class A-LR Certificate may be liable for any amount due under
Section 6.02 of the Pooling and Servicing Agreement or any other provisions of
the Pooling and Servicing Agreement, the Trustee may withhold a corresponding
amount from such remittance as security for such claim; provided the terms and
conditions of any sale under this clause (vi) shall be determined in the sole
discretion of the Trustee, and it shall not be liable to any Person having an
ownership interest in the Class A-LR Certificate as a result of its exercise of
such discretion; and (vii) if any Person other than a Permitted Transferee
acquires the Class A-LR Certificate in violation of such
<PAGE>
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 1999-1
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
<PAGE>
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 OR OPINION OF COUNSEL REFERRED TO IN THE PRECEDING
SENTENCE, AS APPLICABLE, UNLESS SUCH PERSON SHALL HAVE PROVIDED SUCH
REPRESENTATION LETTER OR OPINION OF COUNSEL 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 1999-1
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balances of all Certificates
of this Class: $12,901,819.00
Pass-Through Rate: 6.500%
CUSIP No.: 060506 BD 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 aggregate Initial Class Certificate
Balances of all Certificates 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 February 23, 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 Class Certificate
Balance at any time may be less
<PAGE>
than the Class 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 B-2
[FORM OF FACE OF CLASS B-2 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-1
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
<PAGE>
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 OR OPINION OF COUNSEL REFERRED TO IN THE PRECEDING
SENTENCE, AS APPLICABLE, UNLESS SUCH PERSON SHALL HAVE PROVIDED SUCH
REPRESENTATION LETTER OR OPINION OF COUNSEL 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 1999-1
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balances of all Certificates
of this Class: $4,500,635.00
Pass-Through Rate: 6.500%
CUSIP No.: 060506 BE 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 aggregate Initial Class Certificate
Balances of all Certificates 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 February 23, 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 Class Certificate
Balance at any time may be less
<PAGE>
than the Class 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 B-3
[FORM OF FACE OF CLASS B-3 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 1999-1
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
<PAGE>
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 OR OPINION OF COUNSEL REFERRED TO IN THE PRECEDING
SENTENCE, AS APPLICABLE, UNLESS SUCH PERSON SHALL HAVE PROVIDED SUCH
REPRESENTATION LETTER OR OPINION OF COUNSEL 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 1999-1
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balances of all Certificates
of this Class: $2,100,297.00
Pass-Through Rate: 6.500%
CUSIP No.: 060506 BF 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 aggregate Initial Class Certificate
Balances of all Certificates 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 February 23, 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 Class Certificate
Balance at any time may be less
<PAGE>
than the Class 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 February 23, 1999, and based on its issue
price of 91.52222%, 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% SPA (as defined in the Prospectus Supplement dated February
18, 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 8.47777778%; and (ii) the annual yield to maturity
of this Certificate, compounded monthly, is approximately 7.73%. 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 1999-1
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
<PAGE>
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 AN OPINION OF COUNSEL 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 1999-1
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balances of all Certificates
of this Class: $2,100,297.00
Pass-Through Rate: 6.500%
CUSIP No.: 060506 BG 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 aggregate Initial Class Certificate
Balances of all Certificates 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 February 23, 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 Class
Certificate Balance at any time may be less than the Class Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in,
<PAGE>
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 February 23, 1999, and based on its issue
price of 74.67847%, 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% SPA (as defined in the Prospectus Supplement dated February
18, 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 25.32152778%; and (ii) the annual yield to maturity
of this Certificate, compounded monthly, is approximately 10.76%. 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 1999-1
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
<PAGE>
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 OR OPINION OF COUNSEL REFERRED TO IN THE PRECEDING SENTENCE, AS
APPLICABLE, UNLESS SUCH PERSON SHALL HAVE PROVIDED SUCH REPRESENTATION LETTER OR
OPINION OF COUNSEL 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 1999-1
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balances of all Certificates
of this Class: $1,200,170.00
Pass-Through Rate: 6.500%
CUSIP No.: 060506 BH 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 aggregate Initial Class Certificate
Balances of all Certificates 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 February 23, 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 Class Certificate
Balance at any time may be less
<PAGE>
than the Class 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 February 23, 1999, and based on its issue
price of 57.36597%, 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% SPA (as defined in the Prospectus Supplement dated February
18, 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 42.63402778%; and (ii) the annual yield to maturity
of this Certificate, compounded monthly, is approximately 15.31%. 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 1999-1
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
<PAGE>
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 OR OPINION OF COUNSEL REFERRED TO IN THE PRECEDING SENTENCE, AS
APPLICABLE, UNLESS SUCH PERSON SHALL HAVE PROVIDED SUCH REPRESENTATION LETTER OR
OPINION OF COUNSEL 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 1999-1
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: February 1, 1999
First Distribution Date: March 25, 1999
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balances of all Certificates
of this Class: $1,200,277.62
Pass-Through Rate: 6.500%
CUSIP No.: 060506 BJ 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 aggregate Initial Class Certificate
Balances of all Certificates 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 February 23, 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 Class Certificate
Balance at any time may be less
<PAGE>
than the Class 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 February 23, 1999, and based on its issue
price of 24.39722%, 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% SPA (as defined in the Prospectus Supplement dated February
18, 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 75.60277778%; and (ii) the annual yield to maturity
of this Certificate, compounded monthly, is approximately 34.43%. 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; provided, however, that in the case of the Class A-14 or Class A-16
Certificates, distributions of principal to which such Class is entitled will be
made to the Holders of such Class as described in Section 5.09 of the Pooling
and Servicing Agreement. The final distribution on each Certificate will be made
in like manner, but only upon presentation and
<PAGE>
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
<PAGE>
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
Final - BA, FSB
Settlement 2/23/1999
Bank of America Mortgage Securities, Inc.
Series 1999-1
<TABLE>
<CAPTION>
LOAN# NAME ADDRESS CITY ST ZIP
- ----- ---- ------- ---- -- ---
<S> <C> <C> <C> <C> <C>
20025482 BEVINGTON, JOHN 295 GREENWICH ST APT 4A-N NEW YORK NY 10007
20031423 WHITE, CHARLES 16 W 16TH ST APT 5RS NEW YORK NY 10011
20033437 GLICK, ELISE 251 -11 60TH AVE APT 94 LITTLE NECK NY 11362
20361192 JAGIELLO, KENNETH 63 CHRISTY DR WARREN NJ 7059
21249958 VAUGHT, JEFFRY 206 KATHLEEN WAY EAST NANTME PA 19343
21570701 THOMAS, MATHEW 5 HASKELL ROAD ANDOVER MA 1810
21705143 SCHAB, JOHN 9149 EAST WETHERSFIELD RO SCOTTSDALE AZ 85260
21761515 FOGLE, MICHAEL 2201 LAKESIDE DRIVE ORLANDO FL 32803
40215083 BERGAN, JOAN 12 QUAIL RIDGE DR ATASCADERO CA 93422
40215989 HEISTAND, TAV 506 SHELDON ST EL SEGUNDO CA 90245
40408086 THOMAS, DONALD 64 STONECREST ST JOSEPH MO 64506
40417263 BAILEY, WILLIAM 1620 HILL RIDGE TER MINNETONKA MN 55343
40431886 HATCH, SUSAN 207 LEXINGTON AVE SAN LEANDRO CA 94577
61245381 FRITSCH TRUSTEE, H 23701 N 80TH WAY SCOTTSDALE AZ 85255
62649582 THORSEN, TERRENCE 81-16 259TH ST FLORAL PARK NY 11004
62674684 KNOX, SYLVESTOR 13 WINGATE WAY GREEN BROOK NJ 8812
62730592 TANNENBAUM, LESLIE 212 FOREST RD JERICHO NY 11753
62731173 BASSMANN, CHARLES 10 DORETHY ROAD REDDING CT 6896
62731262 DAVOODI, SAM 12 MAPLE ST ROSLYN HEIG NY 11577
62764861 LI, MARK 7205 BRADLEY BLVD BETHESDA MD 20817
63213915 LUCEY, MICHAEL 225 HANSELL ROAD RADNOR TWP/ PA 19073
63453550 WALSH, KEVIN 389 SAINT MARTIN DR REDWOOD CIT CA 94065
63608936 DONG, HEI-KI 1 SCHAAL ST BRIDGEWATER NJ 8807
63610523 SUMPTION, X. 6 SPRINGFIELD LANE BERNARDS NJ 7920
63781506 READ, BRUCE 7389 N CAMINO SIN VACAS TUCSON AZ 85718
63811146 FINGER, ALAN 3 DOWS LANE IRVINGTON NY 10533
63821311 ZIEGLER, JOHN 19 SEMINOLE AVE WAYNE NJ 7470
63993074 RAPER, JARROD 56 HANCOCK ROAD FRANKLIN MA 2038
64081770 MIKLES, RICHARD 468 CORBETT AVENUE SAN FRANCIS CA 94114
64099440 BICKHAM, THOMAS 3909 VILLANOVA ST HOUSTON TX 77005
64153754 LEKANIDES, MARY 11917 E MARIPOSA GRANDE D SCOTTSDALE AZ 85255
64154467 STARK, WILLIAM 16 WILD ROSE PLACE ALISO VIEJO CA 92656
64156001 GIBSON, BRUCE 69 VIA SONRISA SAN CLEMENT CA 92673
64156290 WILES, RONALD 2049 LASALLE ST SUPERIOR CO 80027
64167160 D'AMBRA, MICHAEL 128 OXFORD ST UNIT #2/3 CAMBRIDGE MA 2140
64310922 DELISSER, HORACE 15 JOHN SINGER SARGENT TOWNSHIP OF NJ 8053
64340414 MEINERT, JAMES 1474 E STARPASS DR FRESNO CA 93720
64391574 COOK, REBECCA 710 LAKESHORE TUSCOLA IL 61953
64587231 HOPKINS, MICHAEL 1904 WEDGEMONT PL BAKERSFIELD CA 93311
64615791 HOLLAND, CHRISTOPHE 7 DOBY ROAD RANDOLPH NJ 7869
64615812 MURPHY, JOHN 140 SCHOOLHOUSE ROAD JEFFERSON NJ 7438
64617971 RISPOLI, RICHARD 15 QUAIL RUN RANDOLPH NJ 7869
64664244 HORVATH, ALEXANDER 303 FREEMAN RD PLAINFIELD NH 3781
64677842 WEINSTEIN, ROBERT 502 TIDEWAY DR ALAMEDA CA 94501
64761886 GEVANTER, DAVID 8 BANYAN RD SKILLMAN NJ 8558
64768431 SMITH, MITCHELL 153A BLUEBERRY HILL ROAD TAOS NM 87571
64876039 BREMER, AUDIE 21 HERITAGE PL SIOUX CITY IA 51106
64912523 KELLER, JOHN 120 OLD COUNTRY RD TRURO MA 2666
64915000 HERNANDEZ, WALTER 202 MEADOW EDGE CT RENO NV 89502
64919307 SHAPIRO, STEVEN 152 THE CRESCENT ROSLYN NY 11557
64920283 DUNN, JAMIE 14 CHAMBERS PL RANDOLPH NJ 7869
64921581 KILCREASE, AMES 37 HARTLEY LANE BASKING RID NJ 7920
64922588 BENEDETTO, LAWRENCE 107 ROSE CT ROBBINSVILL NJ 8691
64976726 LEISTRITZ, FREDRICK 6612 49TH AVE SW FARGO ND 58104
64988457 BLACK, RONALD 11645 ALLEN TUSTIN CA 92782
64990010 MILES, DAVID 11837 LARKSPUR DR PARKER CO 80134
64991946 LEGUIZAMO, CONNIE 44 MOUNT VERNON IRVINE CA 92720
65051106 MILLER, JR., THOMAS 530 LAWRENCE AVE WESTFIELD NJ 7090
65141342 NACHBAUR, ELIZABETH 3402 CLAY ST SAN FRANCIS CA 94118
65169239 PIPER, ROBERT 2101 GOLD STRIKE ROAD SAN ANDREAS CA 95249
65194179 NORDSTROM, MICHAEL 8107 E SADDLE HORN ROAD SCOTTSDALE AZ 85255
65242394 ALPERIN, ROBERT 40 LESLIE ROAD NEWTON MA 2466
65242491 ROBBINS, ROBERT 121 BEACON ST UNIT #4 BOSTON MA 2116
65242556 SHEA, BRIAN 44 GREEN ST MILTON MA 2186
65242939 BLAYLOCK, JR., CLAYTON 3 PENDULUM PASS HOPKINTON MA 1748
65263511 BOSTON, ISAAC 11257 TREYBURN DRIVE FISHERS IN 46038
65266587 SCHMALZ, PATRICK 1277 28TH AVE SAN FRANCIS CA 94122
65268687 MUNARETTO, MIKE 6350 HAWARDEN DR RIVERSIDE CA 92506
65269292 MCMAHON, LAWRENCE 810 WILLOW GROVE RD WESTFIELD NJ 7090
65270835 SINGH, PRENEET 1768 JACKSON ST SAN FRANCIS CA 94109
65301421 MANACE, E. 3957 SACRAMENTO ST SAN FRANCIS CA 94118
65333080 HUGHES, PAUL 4418 HEPPNER LANE SAN JOSE CA 95136
65346505 JOHNSON, STEPHEN 11223 N DOGWOOD LANE WOODWAY WA 98020
65346955 TIBURZIO JR, RUDOLPH 18322 SE 140TH ST RENTON WA 98059
65363396 DUTRA, BARBARA 38577 STEINBECK TERRACE FREMONT CA 94538
65366174 GROSS, MICHAEL 2605 TILDEN AVE LOS ANGELES CA 90064
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66188482 MILLIKEN, JOSEPH 1316 MONROE ST SANTA CLARA CA 95050
66189527 HESS, ROBERT 2764 CANTOR DR MORGAN HILL CA 95037
66190746 KIM, YOUNG 3150 MARS CT LAFAYETTE CA 94549
66191432 WILLIAMS, DAVID 1153 JANIS WAY SAN JOSE CA 95125
66191963 BRUNO, ALBERT 636 BAYVIEW DR APTOS CA 95003
66192897 DISNEY, BRUCE 2901 BRITTAN AVE SAN CARLOS CA 94070
66199859 LEE, SANG 7 HERITAGE LANE ANDOVER MA 1810
66200709 DEBAERE, RAFAEL 26 INDIAN ROCK DR NATICK MA 1760
66208548 GUILBEAULT, NORMAN 975 BEACH POND RD WOLFEBORO NH 3894
66209145 LOPES, NAZARIO 36 SIERRA DR EASTON MA 2375
66210739 GAVRONSKY, STANLEY 39 WAYLAND HILL RD WAYLAND MA 1778
66210976 SCADDEN, DAVID 88 GUNNING POINT FALMOUTH MA 2540
66211239 FRACAS, MARK 4 APPLESEED DR WESTBORO MA 1581
66220572 BREED, III, RICHARD 14 CRESTWOOD RD MARBLEHEAD MA 1945
66220998 WEBER, ROSS 7 ASTER LANE FALMOUTH ME 4105
66221714 CARMICHAEL JR., ROBERT 105 MEADOWBROOK RD NEEDHAM MA 2192
66222389 SOLTESZ, JEFFREY 42 LAWS BROOK RD CONCORD MA 1742
66222435 LARSEN, RONALD 11 YORK BROOK RD CANTON MA 2021
66226601 WATTS, JOSEPH 14689 SW GRANDVIEW LANE TIGARD OR 97224
66229006 HIRONAKA, HENRY 1092 N GROVE DR ALPINE UT 84004
66230063 OVIATT, JR, LAMON 896 S 1600 EAST SPRINGVILLE UT 84663
66232635 HUCKINS, TODD 21 DIAS DORADOS ORINDA CA 94563
66243424 WEINSTEIN, PHILLIP 117 PLEASANT ST NATICK MA 1760
66243700 LEWIS, MARK 28 GINGERBREAD HILL MARBLEHEAD MA 1945
66243866 D'AGOSTINO, PHILIP 26-1 COLUMBIA AVE . NEWTON MA 2464
66243955 NICHOLSON, THOMAS 32 LANCASHIRE DR MANSFIELD MA 2048
66243963 MCDONALD, CRAIG 53 GREAT POND DR BOXFORD MA 1921
66244188 GARBARINO, III, ALBERT 32 OLD FARM RD READING MA 1867
66244846 FALLON, LYNNETTE 38 GOODHUE ST HAMILTON MA 1982
66245095 MARINO, ANTHONY 49 STEVENSON DR MARLBORO NJ 7746
66245541 TURNER, CLAUDE 23 MARDEN AVE SEA CLIFF NY 11759
66245630 PEARSALL, DENNIS 4 VILLAGE MANOR CT PORT JEFFER NY 11777
66245656 CADIGAN, LUKE 36 SPAFFORD RD MILTON MA 2180
66245702 MALDONADO, ISMAEL 12-14 ZAMORA ST JAMAICA PLA MA 2130
66245745 TANASHIAN, GARY 167 PROSPECT HILL RD HARVARD MA 1451
66245869 HALL, MARC 22 JAMES AVE MIDDLETON MA 1949
66246083 MYERS, GREGORY 7 APPLESEED DR WESTBOROUGH MA 1581
66246288 GRYGIEL, STEPHEN 5 CARRIAGE RD FALMOUTH ME 4105
66246326 DOLGOV, L. 1 NOKOMIS WAY NATICK MA 1760
66246768 BABIKIAN, GEORGE 28 LOWER FALLS RD FALMOUTH ME 4105
66247390 LIPTON, JAMES 536 OLD SAG HARBOR RD BRIDGEHAMPT NY 11932
66249686 PORTH, ANDREW 3400 S ZENITH AVE MINNEAPOLIS MN 55418
66256739 CONN, DAVID 25 SPANISH MAIN ST TAMPA FL 33609
66261147 SHAW, ANTHONY 910 LAWTON ST MCLEAN VA 22101
66263417 GAO, DONGFEN 1229 LYNWOOD DR NOVATO CA 94947
66265533 KOPP, JEFFREY 7537 E ASTER DR. SCOTTSDALE AZ 85260
66265789 CLIFFORD, JR., ROBERT 227 BELGATOS RD LOS GATOS CA 95032
66267668 BAGGOTT, SANDY 211 JO DR LOS GATOS CA 95032
66273056 LA SHELL, JAMES 18028 248TH AVE SE MAPLE VALLE WA 98038
66274478 DAWSON, JON 8435 FAUNTLEROY PLACE SW SEATTLE WA 98136
66275326 SIESTREEM, JOHN 29650 NW SKYWAY DR HILLSBORO OR 97124
66276128 MARCHAND, STEVEN 1424 LAGUNA AVE BURLINGAME CA 94010
66277604 CROOK, KEIGM 5519 AVENIDA CUESTA NE ALBUQUERQUE NM 87111
66278058 CHESTER, SANDRA 1435 BEAUDRY BLVD GLENDALE CA 91208
66278287 DYLAN, TYLER 5284 DAWES ST SAN DIEGO CA 92109
66279062 PHELPS, STANLEY 27100 IRONWOOD LANE LAKE ARROWH CA 92352
66279135 CARTER, DANIEL 1401 MILLERTOWN ROAD AUBURN CA 95603
66279160 SMITH, JEFFREY 613 N HILLCREST ROAD BEVERLY HIL CA 90210
66279194 GRIES, PAUL 2464 SAN CARLOS AVE SAN CARLOS CA 94070
66279411 ENSER, MATTHEW 1579 HUNTINGTON AVE SOUTH CASTLE ROCK WA 98611
66279496 DONAHUE, DANIEL 30961 STEEPLECHASE DR SAN JUAN CA CA 92675
66280109 DYSON, CHARLOTTE 616 OCEAN DR OXNARD CA 93035
66281237 POND JR., ROBERT 321 BORICA DR DANVILLE CA 94526
66281601 GRIEG, ELIZABETH 375 OLIVE ST MENLO PARK CA 94025
66282314 BOYD, RALPH 363 MIRA VISTA TERRACE PASADENA CA 91105
66282926 WILLEFORD, JOAN 5462 INDIAN HILLS DR SIMI VALLEY CA 93063
66285054 ROBERTS, BRETT 3810 TILDEN DR EL DORADO H CA 95762
66287804 BRUNEMEIER, PAUL 1044 PLYMOUTH DR SUNNYVALE CA 94087
66289378 VIS, LARRY 4126 BEACON PL BYRON CA 94514
66289521 QAQUNDAH, HANNA 385- 387 JERSEY STREET SAN FRANCIS CA 94114
66292336 STAVINSKY, ANATOLY 274 BONITA LANE FOSTER CITY CA 94404
66293243 RAJAEE, BEHROUZ 53 WASHINGTON IRVINE CA 92606
66307678 LUENS, KARIN 1627 NOTRE DAME AVE BELMONT CA 94002
66307694 WONG, NORA 86 - 88 SEAL ROCK DR SAN FRANCIS CA 94121
66313091 KORBONITS, C. 3763 W COMMODORE WAY SEATTLE WA 98199
66313198 PADUS, JR., MICHAEL 2232 CORTE CICUTA CARLSBAD CA 92009
66313368 ROOT, MATTHEW 15785 CAMINITO CANTARAS DEL MAR CA 92014
66313481 HILLEBRECHT, THOMAS 15810 CAMINITO CANTARAS DEL MAR CA 92014
66313660 MOONEY, CHRISTOPHE 21 VARSITY BLVD SETAUKET NY 11733
66313821 HERNANDEZ, BERTHA 4270 CALLE ISABELINO SAN DIEGO CA 92130
66313953 LAM, HERMAN 1449 GEYSER CT THOUSAND OA CA 91320
66314011 HOOD, JON 27972 MILT CIRCLE LAGUNA NIGU CA 92677
66314381 HUSSAIN, ASHFAQ 18 FIELDHOUSE AVE EAST SETAUK NY 11733
66314658 SHAH, ANAL 6455 PINGREE WAY YORBA LINDA CA 92887
66314909 GOULD, HOWARD 4662 WHITE OAK AVE ENCINO CA 91316
66315131 ASTARABADI, SHAUN 27991 LORETHA LANE LAGUNA NIGU CA 92677
66315671 MISLEH, GEORGE 11172 CORTE CANGREJO SAN DIEGO CA 92130
66315956 KOSKI, JERRY 39286 GAINSBOROUGH CIRCLE PALM DESERT CA 92211
66317771 KELLY, BRIAN 7464 E THUNDERHAWK RD SCOTTSDALE AZ 85255
66317819 PHILLIPI, MARK 20345 SHAKARI CIRCLE YORBA LINDA CA 92887
66318297 CARR, WILLIAM 248 MARKET ST LOS ANGELES CA 90291
66319391 ROBBINS, SUSAN 810 WINDSOR WAY SANTA BARBA CA 93105
66319935 DETHLEFS, BRENT 25 SAINT PAUL LANE LAGUNA NIGU CA 92677
66320062 GRENNER, JOHN 2768 BOTTLEBRUSH DR LOS ANGELES CA 90077
66320496 CONDRA, DOUG 48 SAWGRASS COTO DE CAZ CA 92679
66320674 LACHENMEIER, ERIC 107 OSAGE AVE LOS ALTOS CA 94022
66320933 JOHNSTON, JOHN 19083 RED HAWK WAY SALINAS CA 93908
66321034 MARTIROSIAN, ZARKIS 6748 N DEWOLF AVE CLOVIS CA 93611
66322413 VAN EVERY, JANET 226 CALCITA DR SANTA CRUZ CA 95060
66323011 WEBB, PATRICK 118 LOMA ALTA AVE LOS GATOS CA 95032
66324254 SCOTT, STUART 16860 DE WITT AVE #A & B MORGAN HILL CA 95037
66333377 MEIER, ROGER 411 PRAIRIE PASSAGE DAKOTA DUNE SD 57049
66335531 TATE, JAMES 17605 LASIANDRA DR WILDWOOD MO 63005
66342708 MENDIETA, JOSE 2714 HEATHERBEND DRIVE PEARLAND TX 77584
66347688 BROWN, JR., RONALD ROUTE 2 BOX 63 BURTON TX 77835
66352479 DOUGAN, BARRY 9609 SE 34TH ST MERCER ISLA WA 98040
66360871 MALONE, JAY 7034 ROSE LOOP NE BAINBRIDGE WA 98110
66370965 VAN HEUIT, JAMES 3965 CAMPOLINDO DR MORAGA CA 94556
66370990 HONNENAHALLI, SURESH 804 OAK GROVE DR SAN JOSE CA 95129
66377692 BEST, RHODA 3106 WINDING LANE THOUSAND OA CA 91361
66380961 BYNUM, MAX 17017 BIG FALLS TRAIL SONORA CA 95370
66403065 LYNCH, MICHAEL 52 PAYSON RD CHESTNUT HI MA 2467
66404436 ROSSITER, ARTHUR 17 CYPRESS RD WELLESLEY MA 2481
66405360 GALLACHER, ROBERT 11 HICKORY LANE NEW FAIRFIE CT 6812
66406641 BROTHERSTON, JOHN 4 JEAN RD LEXINGTON MA 2421
66407320 GOODMAN, FREDERIC 154 WISWALL RD NEWTON MA 2459
66408148 MACELHANEY, JAMES 10 LONG DR WESTBORO MA 1581
66408270 SCHLANGER, RICHARD 12 GILBERT HEIGHTS RD MARBLEHEAD MA 1945
66408482 BERNATCHEZ, MICHAEL 5 ROSEWOOD PLACE WESTBOROUGH MA 1581
66408521 SHAFFER, JOHN 18 ASSABET HILL CIRCLE NORTHBORO MA 1532
66409497 MITCHELL, STEPHEN 179 CONANT RD WESTON MA 2193
66426201 SHOEMAKER, JENNIFER 4708 SEAFARER COURT FLOWER MOUN TX 75028
66426529 THOMPSON, LEE 1 TIERRA DE TANO SANTA FE NM 87501
66428131 KIDDER, RICHARD 23591 VIA AGUILA COTO DE CAZ CA 92679
66429331 SAN ROMAN, CARLOS 2948 E CRAIG DR ORANGE CA 92869
66429501 BARDET, JEAN-PIERR 10928 MESETA DR LOS ANGELES CA 91040
66430135 AGUIRRE, SANTIAGO 5260 PLAZA ALEMAN SANTA BARBA CA 93111
66430321 SHELTON, GARY 24726 MONTE ROYALE ST LAGUNA HILL CA 92653
66431018 WATERS, BARRY 3210 LAUREL CANYON RD SANTA BARBA CA 93105
66431344 SCHEINBERG, PHILIP 830 NORMAN LANE SANTA BARBA CA 93108
66431981 SIMON, RADELL 444- 446 S DOHENY DRIVE BEVERLY HIL CA 90211
66432804 GRUPE, DONALD 1515 ANTIGUA WAY NEWPORT BEA CA 92660
66432855 DINGES, PAUL 13262 ORANGE KNOLL DR SANTA ANA A CA 92705
66436559 KAN, STANLEY 18930 BRITTANY PL ROWLAND HEI CA 91748
66436567 LEE, ALBERT 410 HAMPTON AVE MONTEREY PA CA 91754
66443563 RICHARDSON, RODNEY 25203 112TH STREET E BUCKLEY WA 98321
66505259 HUANG, KUNG-CHENG 2350 ADAIR ST SAN MARINO CA 91108
66505429 CUMMINGS, III, GEORGE 714 OAK POINT DR OAK PARK AR CA 91301
66506794 ITURIAGA, JEFFERSON 1904 CHANTILLY LANE FULLERTON CA 92833
66508967 CAMERON, DEE 352 S MOHLER DR ANAHEIM CA 92808
66509581 GODDARD, DARYL 30852 CALLE BARBOSA LAGUNA NIGU CA 92677
66509963 TSUI, ROGER 2663 SHADY RIDGE LANE DIAMOND BAR CA 91765
66618215 HULWICK, WILLIAM 45 FAIRWAY LANE LITTLETON CO 80123
66618461 SIBBERNSEN, J 1688 E OTERO AVE LITTLETON CO 80122
66624053 LEWIN, BARRY 7020 N WILDER RD PHOENIX AZ 85021
66624118 CONLIN, KEVIN 11535 E WHISPERING WIND SCOTTSDALE AZ 85255
66624991 MCCOMBIE, MICHAEL 929 NORTHWOOD BLVD 35 INCLINE VIL NV 89451
66627249 PATEL, BHASKAR 61 VIA SONRISA SAN CLEMENT CA 92673
66627613 HOKE, EDWARD 20475 SHAKARI CIRCLE YORBA LINDA CA 92887
66629331 MOSER, MICHAEL 1105 ALAMEDA BLVD CORONADO CA 92118
66640881 GOODWIN, KEVIN 3410 BELGROVE CIRC SAN JOSE CA 95148
66641608 MASON, MARILYN 320 KEARNEY AVE #28 SANTA FE NM 87501
66647045 BLANKENBURG, HEINZ 17 ENCINAL FOOTHILL RA CA 92610
66648017 WARRINGTON, MICHELLE 18881 SE HWY 212 CLACKAMAS OR 97015
66650577 PORT, ROBERT 238 TORO CANYON ROAD CARPINTERIA CA 93013
66659779 WRIGHT, II, ERNEST 801 CALLE LAGASCA CHULA VISTA CA 91910
66660521 PANTON, ROBERT 15942 AVENIDA CALMA RANCHO SANT CA 92067
66661064 MORGAN, JR., JOHN 1818 ROCREST RD ALPINE CA 91901
66677211 KIM, SEUNG 45807 CORTE CARMELLO TEMECULA CA 92592
66677416 ALLISON, KIRK 2737 VISTA DEL RIO FALLBROOK CA 92028
66680263 COLONNA, KRISTIN 1908 DEODORA DR LOS ALTOS CA 94024
66680506 MARTINEZ, KENNETH 32956 SOQUEL ST UNION CITY CA 94587
66729050 LEWIS, CRAIG 5665 RUTGERS ROAD LA JOLLA CA 92037
66741335 KWONG, VINCENT 82 FAIRLAWN AVE DALY CITY CA 94015
66806852 MURRAY, EDWARD 5514 COUNTRY COURT MAGNOLIA TX 77354
</TABLE>
<TABLE>
<CAPTION>
LOAN# OCC PROP TERM LTV RATE FIRSTPAYDT MAT DT PANDI SCHPTD ORIG BAL
- ----- --- ---- ---- --- ---- ---------- ------ ----- ------ --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
20025482 Primary Condo 276 56.1 7.625 8/1/98 7/1/21 1352.42 2/1/99 175787
20031423 Primary Co-Op 276 69.8 7.5 11/1/98 10/1/21 729.35 2/1/99 95791
20033437 Primary SFR 276 76.6 7.125 12/1/98 11/1/21 492.86 2/1/99 66808
20361192 Primary SFR 310 79.3 7.625 12/1/98 9/1/24 2429.19 2/1/99 328640
21249958 Primary SFR 321 80.0 7.75 1/1/99 9/1/25 2452.47 2/1/99 331650
21570701 Primary SFR 335 64.7 8.125 10/1/98 8/1/26 2152.69 2/1/99 284777
21705143 Primary PUD 339 58.4 7.5 1/1/99 3/1/27 1775.34 2/1/99 249690
21761515 Primary SFR 338 80.0 7.5 1/1/99 2/1/27 2069.14 2/1/99 290761
40215083 Primary Condo 276 87.0 7.75 6/1/98 5/1/21 726.6 2/1/99 93471
40215989 Primary SFR 276 55.4 7.75 6/1/98 5/1/21 1111.82 2/1/99 143026
40408086 Primary SFR 276 51.7 7.5 10/1/98 9/1/21 536.24 2/1/99 70429
40417263 Primary SFR 276 64.1 7 1/1/99 12/1/21 830.25 2/1/99 113745
40431886 Primary SFR 276 90.0 6.875 2/1/99 1/1/22 1051.82 2/1/99 145651
61245381 Primary PUD 334 80.0 7.75 1/1/99 10/1/26 2403.12 2/1/99 328758
62649582 Primary SFR 360 88.4 7.375 2/1/99 1/1/29 1740.51 2/1/99 252000
62674684 Primary SFR 360 79.8 6.5 1/1/99 12/1/28 1714.17 2/1/99 271200
62730592 Primary SFR 360 64.4 6.75 12/1/98 11/1/28 1621.5 2/1/99 250000
62731173 Primary SFR 360 68.8 7 2/1/99 1/1/29 2814.23 2/1/99 423000
62731262 Primary SFR 360 94.9 7.5 2/1/99 1/1/29 1699.1 2/1/99 243000
62764861 Primary SFR 346 55.6 7.75 1/1/99 10/1/27 3568.49 2/1/99 492971
63213915 Primary SFR 360 61.2 7.375 1/1/99 12/1/28 1795.76 2/1/99 260000
63453550 Primary SFR 360 80.0 6.5 12/1/98 11/1/28 2856.95 2/1/99 452000
63608936 Primary SFR 360 90.0 7.375 1/1/99 12/1/28 1946.33 2/1/99 281800
63610523 Primary PUD 360 49.2 6.625 2/1/99 1/1/29 1920.94 2/1/99 300000
63781506 Primary PUD 300 64.2 7 1/1/99 12/1/23 2381.14 2/1/99 336900
63811146 Primary SFR 360 59.3 7.375 11/1/98 10/1/28 3684.76 2/1/99 533500
63821311 Primary SFR 360 85.5 7.125 2/1/99 1/1/29 1785.36 2/1/99 265000
63993074 Primary SFR 360 90.0 7.75 1/1/99 12/1/28 2710.05 2/1/99 378280
64081770 Primary Condo 360 80.0 6.625 12/1/98 11/1/28 1949.11 2/1/99 304400
64099440 Primary SFR 360 72.2 7.25 2/1/99 1/1/29 1773.66 2/1/99 260000
64153754 Primary PUD 360 75.0 7.375 2/1/99 1/1/29 2048.2 2/1/99 296550
64154467 Primary PUD 360 60.3 7.125 11/1/98 10/1/28 1852.73 2/1/99 275000
64156001 Primary PUD 360 80.0 7 11/1/98 10/1/28 1916.74 2/1/99 288100
64156290 Primary PUD 360 90.0 7.25 1/1/99 12/1/28 2382.16 2/1/99 349200
64167160 Primary Condo 360 42.9 6.875 2/1/99 1/1/29 2167.87 2/1/99 330000
64310922 Primary PUD 360 90.0 7 2/1/99 1/1/29 1837.36 2/1/99 276169
64340414 Primary SFR 360 69.3 7.125 2/1/99 1/1/29 2694.88 2/1/99 400000
64391574 Primary SFR 360 70.3 7.125 1/1/99 12/1/28 1704.51 2/1/99 253000
64587231 Primary SFR 360 68.3 7.25 2/1/99 1/1/29 1705.45 2/1/99 250000
64615791 Primary SFR 360 80.0 6.875 2/1/99 1/1/29 1681.74 2/1/99 256000
64615812 Primary SFR 360 92.7 6.5 12/1/98 11/1/28 1595.98 2/1/99 252500
64617971 Primary SFR 360 79.5 7.5 1/1/99 12/1/28 3389.8 2/1/99 484800
64664244 Primary SFR 360 78.7 7.5 2/1/99 1/1/29 1783 2/1/99 255000
64677842 Primary SFR 360 80.0 6.5 12/1/98 11/1/28 2882.24 2/1/99 456000
64761886 Primary PUD 360 78.3 7.375 2/1/99 1/1/29 2244.7 2/1/99 325000
64768431 Primary SFR 360 79.7 7.375 2/1/99 1/1/29 1899.36 2/1/99 275000
64876039 Primary SFR 360 84.3 7.125 10/1/98 9/1/28 1775.25 2/1/99 263500
64912523 Secondary SFR 360 75.7 7 11/1/98 10/1/28 2215.46 2/1/99 333000
64915000 Primary PUD 360 79.7 7 1/1/99 12/1/28 1723.14 2/1/99 259000
64919307 Primary Condo 360 75.0 6.75 1/1/99 12/1/28 2918.7 2/1/99 450000
64920283 Primary SFR 360 72.1 7.125 1/1/99 12/1/28 2021.16 2/1/99 300000
64921581 Primary PUD 360 77.2 7.25 2/1/99 1/1/29 1889.63 2/1/99 277000
64922588 Primary SFR 360 89.2 7.375 2/1/99 1/1/29 1851.71 2/1/99 268100
64976726 Primary SFR 360 79.2 7.125 2/1/99 1/1/29 1832.52 2/1/99 272000
64988457 Primary PUD 360 80.0 6.75 11/1/98 10/1/28 2018.76 2/1/99 311250
64990010 Primary PUD 360 92.5 7 1/1/99 12/1/28 1731.12 2/1/99 260200
64991946 Primary PUD 360 90.0 7.25 12/1/98 11/1/28 2185.35 2/1/99 320350
65051106 Primary SFR 360 73.7 7 1/1/99 12/1/28 2035.83 2/1/99 306000
65141342 Primary SFR 360 26.9 7 2/1/99 1/1/29 2661.22 2/1/99 400000
65169239 Primary SFR 360 75.0 7.5 2/1/99 1/1/29 2884.27 2/1/99 412500
65194179 Primary PUD 360 75.7 7 1/1/99 12/1/28 1683.22 2/1/99 253000
65242394 Primary SFR 360 75.0 7.625 1/1/99 12/1/28 2335.72 2/1/99 330000
65242491 Primary Condo 360 74.2 7.25 1/1/99 12/1/28 2633.21 2/1/99 386000
65242556 Primary SFR 360 76.7 6.625 2/1/99 1/1/29 3681.79 2/1/99 575000
65242939 Primary SFR 360 72.6 7.125 1/1/99 12/1/28 2863.31 2/1/99 425000
65263511 Primary SFR 360 79.3 6.5 2/1/99 1/1/29 2351.93 2/1/99 372100
65266587 Primary SFR 360 75.8 6.75 2/1/99 1/1/29 2659.26 2/1/99 410000
65268687 Primary SFR 360 77.5 7 2/1/99 1/1/29 2399.09 2/1/99 360600
65269292 Primary SFR 360 80.0 6.5 12/1/98 11/1/28 2212.24 2/1/99 350000
65270835 Primary Condo 360 80.0 6.5 12/1/98 11/1/28 3286.76 2/1/99 520000
65301421 Primary SFR 360 24.7 6.75 12/1/98 11/1/28 2082 2/1/99 321000
65333080 Primary SFR 360 72.6 7.5 2/1/99 1/1/29 1852.92 2/1/99 265000
65346505 Primary SFR 360 57.1 6.625 1/1/99 12/1/28 2561.25 2/1/99 400000
65346955 Primary SFR 360 79.8 7.125 2/1/99 1/1/29 1854.08 2/1/99 275200
65363396 Primary PUD 360 90.0 7.375 2/1/99 1/1/29 1739.3 2/1/99 251825
65366174 Investor SFR 360 71.6 6.625 12/1/98 11/1/28 1741.65 2/1/99 272000
65373472 Primary SFR 360 44.1 6.75 12/1/98 11/1/28 2043.09 2/1/99 315000
65374525 Primary SFR 360 95.0 7.875 2/1/99 1/1/29 2169.78 2/1/99 299250
65376862 Primary SFR 360 77.6 7.25 2/1/99 1/1/29 1666.56 2/1/99 244300
65377354 Primary SFR 360 66.4 7.125 1/1/99 12/1/28 1994.21 2/1/99 296000
65390377 Primary SFR 360 80.0 6.625 12/1/98 11/1/28 2228.29 2/1/99 348000
65406443 Primary SFR 360 75.8 7 10/1/98 9/1/28 2494.89 2/1/99 375000
65411889 Primary SFR 360 80.0 7.375 2/1/99 1/1/29 1851.01 2/1/99 268000
65416872 Primary SFR 360 80.0 7.5 2/1/99 1/1/29 3216.39 2/1/99 460000
65418000 Primary SFR 360 80.0 7.125 1/1/99 12/1/28 3368.6 2/1/99 500000
65420004 Primary SFR 360 80.0 6.875 3/1/99 2/1/29 1650.21 2/1/99 251200
65448430 Primary SFR 360 61.6 7.375 1/1/99 12/1/28 1795.76 2/1/99 260000
65448456 Primary SFR 360 65.3 7.125 1/1/99 12/1/28 1633.77 2/1/99 242500
65449576 Primary SFR 360 76.5 7 2/1/99 1/1/29 3765.62 2/1/99 566000
65459423 Primary SFR 360 83.6 7.125 2/1/99 1/1/29 1859.47 2/1/99 276000
65460448 Primary SFR 360 79.9 6.875 1/1/99 12/1/28 1905.1 2/1/99 290000
65461061 Primary SFR 360 61.5 7 1/1/99 12/1/28 2661.22 2/1/99 400000
65461185 Primary SFR 360 69.8 6.625 1/1/99 12/1/28 3841.87 2/1/99 600000
65461410 Primary SFR 360 59.3 7.5 1/1/99 12/1/28 4474.98 2/1/99 640000
65463510 Primary SFR 360 80.0 7 1/1/99 12/1/28 1820.27 2/1/99 273600
65465121 Primary SFR 360 52.2 6.75 2/1/99 1/1/29 1725.28 2/1/99 266000
65471270 Primary SFR 360 78.8 7.125 2/1/99 1/1/29 2122.22 2/1/99 315000
65471385 Primary SFR 360 80.0 7.125 1/1/99 12/1/28 2614.03 2/1/99 388000
65471440 Primary SFR 360 72.9 7.125 1/1/99 12/1/28 1684.3 2/1/99 250000
65474058 Primary SFR 360 71.4 7 1/1/99 12/1/28 2661.22 2/1/99 400000
65474601 Primary SFR 360 45.5 6.5 1/1/99 12/1/28 2085.83 2/1/99 330000
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66119421 Primary SFR 360 40.4 7.25 1/1/99 12/1/28 6753.55 2/1/99 990000
66120977 Primary PUD 360 82.6 7.125 2/1/99 1/1/29 2003.31 2/1/99 297350
66125979 Primary PUD 360 70.8 7.375 1/1/99 12/1/28 2030.59 2/1/99 294000
66126975 Primary PUD 360 79.0 7.25 1/1/99 12/1/28 3368.59 2/1/99 493800
66129508 Primary SFR 360 79.5 7 1/1/99 12/1/28 1639.98 2/1/99 246500
66133360 Primary SFR 360 80.0 7.125 3/1/99 2/1/29 2387.66 2/1/99 354400
66138264 Primary PUD 360 80.0 7.5 2/1/99 1/1/29 2116.53 2/1/99 302700
66138973 Primary PUD 360 73.7 7 1/1/99 12/1/28 2009.22 2/1/99 302000
66140706 Primary PUD 360 63.8 7 1/1/99 12/1/28 2503.79 2/1/99 376338
66140927 Primary SFR 360 73.1 7 1/1/99 12/1/28 1716.49 2/1/99 258000
66142628 Primary SFR 360 72.7 7.25 2/1/99 1/1/29 1910.1 2/1/99 280000
66143225 Primary SFR 360 79.9 7.25 1/1/99 12/1/28 2226.63 2/1/99 326400
66153034 Primary SFR 360 80.0 6.75 1/1/99 12/1/28 2059.95 2/1/99 317600
66159059 Primary SFR 360 70.6 7.125 1/1/99 12/1/28 1974 2/1/99 293000
66160723 Primary SFR 360 75.0 7.25 1/1/99 12/1/28 3069.8 2/1/99 450000
66161541 Primary SFR 360 78.2 7.25 1/1/99 12/1/28 2933.36 2/1/99 430000
66161746 Primary PUD 360 80.0 6.75 2/1/99 1/1/29 2578.83 2/1/99 397600
66162904 Primary PUD 360 80.0 6.5 2/1/99 1/1/29 2831.67 2/1/99 448000
66163005 Primary SFR 360 80.0 7.375 2/1/99 1/1/29 2486.44 2/1/99 360000
66163366 Primary SFR 360 90.0 6.375 1/1/99 12/1/28 2161.15 2/1/99 346410
66164125 Primary SFR 360 53.1 7 1/1/99 12/1/28 2049.14 2/1/99 308000
66165067 Primary PUD 360 94.3 6.75 2/1/99 1/1/29 1816.08 2/1/99 280000
66165997 Primary SFR 360 67.0 7 1/1/99 12/1/28 2228.77 2/1/99 335000
66166438 Primary 3-Family 360 79.3 7 1/1/99 12/1/28 2639.26 2/1/99 396700
66166471 Primary SFR 360 77.4 7.125 1/1/99 12/1/28 2998.05 2/1/99 445000
66166551 Primary PUD 360 95.0 7.5 1/1/99 12/1/28 1760.28 2/1/99 251750
66167043 Primary SFR 360 66.0 7 1/1/99 12/1/28 2019.2 2/1/99 303500
66167183 Primary SFR 360 69.1 7 1/1/99 12/1/28 1746.42 2/1/99 262500
66167396 Primary SFR 360 68.5 7.125 2/1/99 1/1/29 2169.38 2/1/99 322000
66167523 Primary SFR 360 68.6 7.25 2/1/99 1/1/29 1777.03 2/1/99 260493
66167663 Primary SFR 360 58.8 7.25 1/1/99 12/1/28 3308.56 2/1/99 485000
66167698 Secondary PUD 360 80.0 7.125 1/1/99 12/1/28 2479.29 2/1/99 368000
66168082 Primary SFR 360 75.5 6.625 1/1/99 12/1/28 1968.96 2/1/99 307500
66169551 Primary SFR 360 65.4 7.25 1/1/99 12/1/28 2319.4 2/1/99 340000
66169569 Primary PUD 360 74.2 6.5 1/1/99 12/1/28 2730.54 2/1/99 432000
66170478 Primary SFR 360 80.0 6.375 12/1/98 11/1/28 2570.35 2/1/99 412000
66170494 Primary PUD 360 77.2 7.125 1/1/99 12/1/28 2183.53 2/1/99 324100
66170583 Primary SFR 360 45.6 6.875 2/1/99 1/1/29 1706.71 2/1/99 259800
66170630 Primary SFR 360 67.0 6.875 1/1/99 12/1/28 2200.72 2/1/99 335000
66171008 Secondary Condo 360 90.0 6.75 12/1/98 11/1/28 1780.41 2/1/99 274500
66171881 Primary SFR 360 80.0 6.625 12/1/98 11/1/28 2689.31 2/1/99 420000
66172187 Primary SFR 360 72.1 7.25 1/1/99 12/1/28 1991.96 2/1/99 292000
66172233 Secondary SFR 360 71.9 7 2/1/99 1/1/29 2295.3 2/1/99 345000
66172365 Primary SFR 360 63.9 7 1/1/99 12/1/28 2295.3 2/1/99 345000
66175721 Primary SFR 360 72.9 7.5 2/1/99 1/1/29 1783 2/1/99 255000
66176336 Primary SFR 360 80.0 7.125 1/1/99 12/1/28 1773.23 2/1/99 263200
66177553 Primary SFR 360 90.0 7.625 2/1/99 1/1/29 2586.67 2/1/99 365455
66177626 Primary PUD 360 80.0 6.625 1/1/99 12/1/28 1792.82 2/1/99 279992
66178975 Primary SFR 360 56.1 7.5 1/1/99 12/1/28 2195.54 2/1/99 314000
66179394 Primary SFR 360 80.0 6.5 12/1/98 11/1/28 1623.16 2/1/99 256800
66179629 Primary SFR 360 79.0 6.75 1/1/99 12/1/28 2075.52 2/1/99 320000
66179980 Primary SFR 360 74.9 7.375 1/1/99 12/1/28 1733.6 2/1/99 251000
66182735 Primary PUD 300 77.7 7 11/1/98 10/1/23 2579.75 2/1/99 365000
66186021 Primary SFR 360 60.9 7.375 2/1/99 1/1/29 2417.37 2/1/99 350000
66188482 Primary SFR 360 80.0 7 1/1/99 12/1/28 2049.14 2/1/99 308000
66189527 Primary SFR 360 59.6 6.75 12/1/98 11/1/28 2221.45 2/1/99 342500
66190746 Primary SFR 360 80.0 7.125 2/1/99 1/1/29 2802.67 2/1/99 416000
66191432 Primary SFR 360 73.9 6.75 1/1/99 12/1/28 2107.95 2/1/99 325000
66191963 Primary SFR 360 45.8 6.5 2/1/99 1/1/29 3476.38 2/1/99 550000
66192897 Primary SFR 360 61.1 7.25 1/1/99 12/1/28 2230.72 2/1/99 327000
66199859 Primary SFR 360 76.0 7.125 1/1/99 12/1/28 2560.14 2/1/99 380000
66200709 Primary SFR 360 56.9 7.5 2/1/99 1/1/29 2447.26 2/1/99 350000
66208548 Primary SFR 360 75.0 7.5 2/1/99 1/1/29 3146.47 2/1/99 450000
66209145 Primary SFR 360 90.0 7.625 2/1/99 1/1/29 2407.92 2/1/99 340200
66210739 Primary SFR 360 75.9 7.625 1/1/99 12/1/28 2229.56 2/1/99 315000
66210976 Secondary SFR 360 90.0 8.125 1/1/99 12/1/28 1871.1 2/1/99 252000
66211239 Primary SFR 360 80.0 7.875 1/1/99 12/1/28 2639.26 2/1/99 364000
66220572 Primary SFR 360 74.0 7.5 2/1/99 1/1/29 2587.1 2/1/99 370000
66220998 Primary SFR 360 69.1 7.75 2/1/99 1/1/29 2292.52 2/1/99 320000
66221714 Primary SFR 360 71.2 7.75 1/1/99 12/1/28 1912.83 2/1/99 267000
66222389 Primary SFR 360 85.0 7.625 1/1/99 12/1/28 1810.54 2/1/99 255800
66222435 Primary SFR 300 73.8 7.875 2/1/99 1/1/24 2153.23 2/1/99 282000
66226601 Primary PUD 360 90.0 7.375 1/1/99 12/1/28 1771.59 2/1/99 256500
66229006 Primary SFR 360 61.3 7.875 2/1/99 1/1/29 3335.32 2/1/99 460000
66230063 Primary SFR 360 76.5 7.125 2/1/99 1/1/29 1675.88 2/1/99 248750
66232635 Primary SFR 360 56.7 7.25 1/1/99 12/1/28 2899.25 2/1/99 425000
66243424 Primary SFR 360 67.1 7.25 1/1/99 12/1/28 1875.99 2/1/99 275000
66243700 Primary SFR 360 80.0 7.25 1/1/99 12/1/28 3547.32 2/1/99 520000
66243866 Primary Condo 360 73.9 7.25 1/1/99 12/1/28 1916.92 2/1/99 281000
66243955 Primary SFR 240 76.3 7.25 1/1/99 12/1/18 2442.27 2/1/99 309000
66243963 Primary SFR 360 65.3 7.375 1/1/99 12/1/28 2030.59 2/1/99 294000
66244188 Primary SFR 360 70.7 7.625 1/1/99 12/1/28 2077.38 2/1/99 293500
66244846 Primary SFR 300 69.5 7.125 12/1/98 11/1/23 2930.58 2/1/99 410000
66245095 Primary SFR 360 76.1 7 1/1/99 12/1/28 1629.99 2/1/99 245000
66245541 Primary SFR 360 78.9 7.625 1/1/99 12/1/28 2123.39 2/1/99 300000
66245630 Primary SFR 360 80.0 7.375 1/1/99 12/1/28 1812.34 2/1/99 262400
66245656 Primary SFR 360 71.0 7.375 1/1/99 12/1/28 1692.16 2/1/99 245000
66245702 Primary SFR 360 77.6 7.375 12/1/98 11/1/28 1939.42 2/1/99 280800
66245745 Primary SFR 360 74.4 7.375 1/1/99 12/1/28 2002.96 2/1/99 290000
66245869 Primary SFR 192 74.4 7.25 1/1/99 12/1/14 2644.38 2/1/99 300000
66246083 Primary SFR 360 78.3 7.375 1/1/99 12/1/28 2486.44 2/1/99 360000
66246288 Primary SFR 360 78.0 7.25 1/1/99 12/1/28 1862.35 2/1/99 273000
66246326 Primary SFR 360 80.0 7.25 1/1/99 12/1/28 3492.75 2/1/99 512000
66246768 Primary SFR 360 73.5 7.25 12/1/98 11/1/28 2333.05 2/1/99 342000
66247390 Primary SFR 360 80.0 7.375 2/1/99 1/1/29 3204.74 2/1/99 464000
66249686 Primary SFR 360 80.0 7.5 2/1/99 1/1/29 2936.71 2/1/99 420000
66256739 Primary SFR 360 70.6 7.125 1/1/99 12/1/28 2021.16 2/1/99 300000
66261147 Primary SFR 360 79.3 7.125 1/1/99 12/1/28 3018.26 2/1/99 448000
66263417 Primary SFR 360 90.0 7.125 1/1/99 12/1/28 1812.98 2/1/99 269100
66265533 Primary SFR 360 73.4 7.375 1/1/99 12/1/28 1728.42 2/1/99 250250
66265789 Primary SFR 360 61.2 7.25 1/1/99 12/1/28 2401.27 2/1/99 352000
66267668 Primary SFR 360 72.2 7 1/1/99 12/1/28 1849.55 2/1/99 278000
66273056 Primary SFR 360 87.9 7.5 1/1/99 12/1/28 1817.96 2/1/99 260000
66274478 Primary SFR 360 75.0 7 2/1/99 1/1/29 1746.42 2/1/99 262500
66275326 Primary SFR 360 62.4 7.125 1/1/99 12/1/28 1785.36 2/1/99 265000
66276128 Primary SFR 360 58.4 7.125 2/1/99 1/1/29 1672.58 2/1/99 248260
66277604 Primary SFR 360 88.7 7 1/1/99 12/1/28 1769.71 2/1/99 266000
66278058 Primary SFR 360 86.7 7.125 1/1/99 12/1/28 2512.98 2/1/99 373000
66278287 Primary SFR 360 80.0 6.5 1/1/99 12/1/28 1921.49 2/1/99 304000
66279062 Primary SFR 360 83.6 6.625 2/1/99 1/1/29 2059.89 2/1/99 321700
66279135 Primary SFR 360 84.9 7.125 2/1/99 1/1/29 1859.13 2/1/99 275950
66279160 Primary SFR 360 26.9 6.75 1/1/99 12/1/28 3573.78 2/1/99 551000
66279194 Primary SFR 360 75.0 6.75 1/1/99 12/1/28 1824.19 2/1/99 281250
66279411 Primary SFR 360 95.0 7.125 1/1/99 12/1/28 1920.1 2/1/99 285000
66279496 Primary PUD 360 66.1 7 1/1/99 12/1/28 3410.24 2/1/99 512584
66280109 Secondary SFR 360 74.2 7.125 1/1/99 12/1/28 2560.14 2/1/99 380000
66281237 Primary PUD 360 63.2 7.125 2/1/99 1/1/29 2021.16 2/1/99 300000
66281601 Primary SFR 360 32.6 7.125 2/1/99 1/1/29 1768.52 2/1/99 262500
66282314 Primary SFR 360 34.7 7 1/1/99 12/1/28 1904.77 2/1/99 286300
66282926 Primary SFR 360 79.7 7 1/1/99 12/1/28 1723.14 2/1/99 259000
66285054 Primary PUD 360 90.0 7.25 2/1/99 1/1/29 1749.79 2/1/99 256500
66287804 Primary SFR 360 75.0 7.125 2/1/99 1/1/29 1897.2 2/1/99 281600
66289378 Primary PUD 360 66.8 7.5 2/1/99 1/1/29 1985.77 2/1/99 284000
66289521 Investor 4-Family 360 70.0 7.25 2/1/99 1/1/29 3008.4 2/1/99 441000
66292336 Primary PUD 360 69.2 7.25 1/1/99 12/1/28 1841.88 2/1/99 270000
66293243 Primary PUD 360 90.0 7.375 12/1/98 11/1/28 1781.6 2/1/99 257950
66307678 Primary SFR 360 89.9 7.5 2/1/99 1/1/29 2377.33 2/1/99 340000
66307694 Primary 2-Family 360 80.0 7.75 2/1/99 1/1/29 2980.28 2/1/99 416000
66313091 Primary SFR 360 73.2 7.125 12/1/98 11/1/28 3206.9 2/1/99 476000
66313198 Primary PUD 360 73.6 6.625 12/1/98 11/1/28 1992.01 2/1/99 311100
66313368 Primary PUD 360 75.0 7.25 1/1/99 12/1/28 2558.16 2/1/99 375000
66313481 Primary PUD 360 70.5 7.25 1/1/99 12/1/28 2283.24 2/1/99 334700
66313660 Primary PUD 360 78.0 7.5 12/1/98 11/1/28 1817.96 2/1/99 260000
66313821 Primary PUD 360 76.7 7 1/1/99 12/1/28 1995.91 2/1/99 300000
66313953 Primary PUD 360 80.0 7.125 1/1/99 12/1/28 2370.14 2/1/99 351800
66314011 Primary PUD 360 80.0 7.375 1/1/99 12/1/28 2108.63 2/1/99 305300
66314381 Primary PUD 360 90.0 7.5 1/1/99 12/1/28 2592.69 2/1/99 370800
66314658 Primary PUD 360 80.0 7.25 1/1/99 12/1/28 1976.26 2/1/99 289700
66314909 Primary SFR 360 47.6 7.375 1/1/99 12/1/28 6906.75 2/1/99 1000000
66315131 Primary PUD 360 80.0 7.25 1/1/99 12/1/28 2834.44 2/1/99 415500
66315671 Primary SFR 360 57.7 6.625 12/1/98 11/1/28 1664.49 2/1/99 259950
66315956 Primary PUD 360 77.6 7.125 2/1/99 1/1/29 2021.16 2/1/99 300000
66317771 Primary PUD 360 90.0 7.375 2/1/99 1/1/29 1783.33 2/1/99 258200
66317819 Primary PUD 360 80.0 7 2/1/99 1/1/29 2583.37 2/1/99 388300
66318297 Investor 2-Family 360 62.6 7.875 2/1/99 1/1/29 2610.25 2/1/99 360000
66319391 Primary SFR 360 75.0 7.375 1/1/99 12/1/28 2046.13 2/1/99 296250
66319935 Primary PUD 360 53.4 7.25 1/1/99 12/1/28 2259.37 2/1/99 331200
66320062 Primary Condo 360 71.5 7.25 1/1/99 12/1/28 2569.08 2/1/99 376600
66320496 Primary PUD 360 71.6 7.25 1/1/99 12/1/28 2735.53 2/1/99 401000
66320674 Primary SFR 360 66.5 7.625 1/1/99 12/1/28 5273.07 2/1/99 745000
66320933 Primary PUD 360 74.2 6.75 1/1/99 12/1/28 1866.51 2/1/99 287776
66321034 Primary SFR 360 85.2 7.25 2/1/99 1/1/29 1684.98 2/1/99 247000
66322413 Primary SFR 360 59.0 7.125 1/1/99 12/1/28 2088.53 2/1/99 310000
66323011 Primary SFR 360 48.1 7.5 1/1/99 12/1/28 2657.02 2/1/99 380000
66324254 Primary 2-Family 360 80.0 7 1/1/99 12/1/28 2410.53 2/1/99 362320
66333377 Primary SFR 360 80.0 7 2/1/99 1/1/29 1809.62 2/1/99 272000
66335531 Primary SFR 360 55.6 7.25 2/1/99 1/1/29 2387.63 2/1/99 350000
66342708 Primary PUD 360 89.9 7.5 2/1/99 1/1/29 2671.35 2/1/99 382050
66347688 Primary SFR 360 80.0 7.25 2/1/99 1/1/29 3541.86 2/1/99 519200
66352479 Primary SFR 360 51.4 7.125 1/1/99 12/1/28 1751.67 2/1/99 260000
66360871 Primary SFR 360 80.0 7.375 2/1/99 1/1/29 2210.17 2/1/99 320000
66370965 Primary PUD 360 80.0 7.125 2/1/99 1/1/29 2527.8 2/1/99 375200
66370990 Primary SFR 360 76.7 7.625 2/1/99 1/1/29 1900.43 2/1/99 268500
66377692 Primary PUD 360 70.0 7.5 2/1/99 1/1/29 1810.97 2/1/99 259000
66380961 Primary SFR 360 78.6 7.75 2/1/99 1/1/29 2309 2/1/99 322300
66403065 Primary SFR 360 87.5 7.25 2/1/99 1/1/29 1940.11 2/1/99 284400
66404436 Primary SFR 360 70.8 7.125 1/1/99 12/1/28 2526.45 2/1/99 375000
66405360 Primary SFR 360 83.4 7.25 1/1/99 12/1/28 1746.38 2/1/99 256000
66406641 Primary SFR 360 71.9 7.5 12/1/98 11/1/28 2126.32 2/1/99 304100
66407320 Primary SFR 360 80.0 7.875 2/1/99 1/1/29 3190.31 2/1/99 440000
66408148 Primary SFR 360 74.5 7 1/1/99 12/1/28 1729.79 2/1/99 260000
66408270 Primary SFR 360 63.9 7.125 1/1/99 12/1/28 2793.92 2/1/99 414700
66408482 Primary SFR 240 75.4 7.125 1/1/99 12/1/18 2302.28 2/1/99 294100
66408521 Primary SFR 360 87.1 7.125 1/1/99 12/1/28 1742.24 2/1/99 258600
66409497 Primary SFR 360 80.0 7.5 2/1/99 1/1/29 2433.27 2/1/99 348000
66426201 Primary PUD 360 76.3 7.375 2/1/99 1/1/29 2418.06 2/1/99 350100
66426529 Secondary PUD 360 80.0 7.375 2/1/99 1/1/29 1851.01 2/1/99 268000
66428131 Primary PUD 360 70.1 7.25 1/1/99 12/1/28 2558.17 2/1/99 375000
66429331 Primary SFR 360 80.0 7.375 1/1/99 12/1/28 1933.9 2/1/99 280000
66429501 Primary PUD 360 80.0 7.375 1/1/99 12/1/28 2210.17 2/1/99 320000
66430135 Primary SFR 360 80.0 7.5 1/1/99 12/1/28 2108.49 2/1/99 301550
66430321 Primary PUD 360 76.6 7.5 2/1/99 1/1/29 1821.46 2/1/99 260500
66431018 Primary SFR 360 67.2 6.875 1/1/99 12/1/28 2562.03 2/1/99 390000
66431344 Primary SFR 360 70.0 7.375 1/1/99 12/1/28 3626.05 2/1/99 525000
66431981 Primary 2-Family 360 59.7 7.5 1/1/99 12/1/28 2587.1 2/1/99 370000
66432804 Primary SFR 360 71.5 7.25 1/1/99 12/1/28 3658.18 2/1/99 536250
66432855 Primary SFR 360 74.7 7.25 1/1/99 12/1/28 1910.1 2/1/99 280000
66436559 Primary PUD 360 79.3 7.375 2/1/99 1/1/29 2237.79 2/1/99 324000
66436567 Primary SFR 360 79.8 7.75 1/1/99 12/1/28 2185.06 2/1/99 305000
66443563 Primary SFR 360 73.9 7.25 3/1/99 2/1/29 1916.92 2/1/99 281000
66505259 Primary SFR 360 66.7 7 2/1/99 1/1/29 3193.46 2/1/99 480000
66505429 Primary PUD 360 71.3 7.5 2/1/99 1/1/29 1992.77 2/1/99 285000
66506794 Primary PUD 360 80.0 7.125 2/1/99 1/1/29 2155.9 2/1/99 320000
66508967 Primary SFR 360 75.0 7.375 2/1/99 1/1/29 2331.03 2/1/99 337500
66509581 Primary PUD 360 75.0 7.25 2/1/99 1/1/29 1790.72 2/1/99 262500
66509963 Primary PUD 360 80.0 7.125 2/1/99 1/1/29 3018.26 2/1/99 448000
66618215 Primary PUD 360 90.0 7.375 2/1/99 1/1/29 1750.87 2/1/99 253500
66618461 Primary PUD 360 90.0 7.25 2/1/99 1/1/29 1872.58 2/1/99 274500
66624053 Primary SFR 360 43.9 7.25 2/1/99 1/1/29 2005.6 2/1/99 294000
66624118 Primary SFR 360 71.9 6.75 2/1/99 1/1/29 1608.53 2/1/99 248000
66624991 Secondary Condo 360 70.3 7.125 2/1/99 1/1/29 2021.16 2/1/99 300000
66627249 Primary PUD 360 80.0 7.125 2/1/99 1/1/29 2257.29 2/1/99 335050
66627613 Primary PUD 360 69.1 7 2/1/99 1/1/29 2494.88 2/1/99 375000
66629331 Primary SFR 360 67.4 7.625 2/1/99 1/1/29 4600.66 2/1/99 650000
66640881 Primary SFR 360 80.0 7.125 3/1/99 2/1/29 2290.65 2/1/99 340000
66641608 Primary Condo 360 90.0 7.375 2/1/99 1/1/29 2045.09 2/1/99 296100
66647045 Primary SFR 360 63.2 7.625 3/1/99 2/1/29 2123.39 2/1/99 300000
66648017 Primary SFR 360 80.0 7.5 2/1/99 1/1/29 1734.06 2/1/99 248000
66650577 Primary SFR 360 48.3 7.5 2/1/99 1/1/29 2027.73 2/1/99 290000
66659779 Primary SFR 360 74.9 7 2/1/99 1/1/29 2042.48 2/1/99 307000
66660521 Primary PUD 360 49.2 7.25 2/1/99 1/1/29 2046.53 2/1/99 300000
66661064 Primary SFR 360 90.0 7.125 2/1/99 1/1/29 1958.5 2/1/99 290700
66677211 Primary PUD 360 90.0 7.5 2/1/99 1/1/29 1683.71 2/1/99 240800
66677416 Primary SFR 360 80.0 7.375 2/1/99 1/1/29 2182.54 2/1/99 316000
66680263 Primary SFR 360 54.0 7.125 2/1/99 1/1/29 2526.45 2/1/99 375000
66680506 Primary SFR 360 95.0 7.625 2/1/99 1/1/29 1849.12 2/1/99 261250
66729050 Primary SFR 360 80.0 7.25 2/1/99 1/1/29 3520.03 2/1/99 516000
66741335 Primary PUD 360 90.0 7 2/1/99 1/1/29 1790.33 2/1/99 269100
66806852 Primary SFR 360 90.0 7.375 2/1/99 1/1/29 1737.4 2/1/99 251550
Total Loans
Sched UPB
WAC
WAM
WOLTV
WCLTV
</TABLE>
<TABLE>
<CAPTION>
LOAN# ACT BALANCE SCH BALANCE PURP DOC APPRAISAL RTRM CLTV
- ----- ----------- ----------- ---- --- --------- ---- ----
<S> <C> <C> <C> <C> <C> <C> <C>
20025482 174352 174107.59 PURCH FULL 335000 269 55.6
20031423 95397 95264.01 PURCH FULL 147000 272 69.5
20033437 66514 66416.65 PURCH FULL 93000 273 76.3
20361192 327954 327609.08 PURCH FULL 438000 307 79.1
21249958 331339 331026.9 PURCH FULL 429000 319 79.9
21570701 281305 281057.19 R/T REFI FULL 456000 330 63.9
21705143 197836 197297.8 PURCH FULL 437000 337 46.3
21761515 290509 290255.69 PURCH FULL 381000 336 79.9
40215083 92465 92335.89 PURCH FULL 115000 267 86.1
40215989 139479 139268.35 PURCH FULL 345000 267 54.0
40408086 70015 69917.31 C/O REFI FULL 145000 271 51.4
40417263 113579 113411.44 R/T REFI FULL 192000 274 64.0
40431886 145651 145434.53 PURCH FULL 175000 275 90.0
61245381 328479 328197.42 PURCH ALT 450000 332 79.9
62649582 252000 251808.24 R/T REFI ALT 285000 359 88.4
62674684 270954 270708.33 R/T REFI FULL 340000 358 79.7
62730592 249568 249350.61 PURCH ALT 390000 357 64.3
62731173 423000 422653.27 R/T REFI FULL 615000 359 68.8
62731262 243000 242819.65 PURCH ALT 256000 359 94.9
62764861 492586 492199.53 PURCH ALT 900000 344 55.6
63213915 259802 259603.1 R/T REFI ALT 425000 358 61.2
63453550 450492 450075.81 PURCH FULL 565000 357 79.7
63608936 281585 281369.82 PURCH FULL 315000 358 89.9
63610523 299735 299735.31 PURCH ALT 610000 359 49.2
63781506 336295 335875.96 R/T REFI FULL 525000 298 64.1
63811146 532274 531861.14 R/T REFI FULL 900000 356 59.2
63821311 264767 264767.78 PURCH ALT 315000 359 85.4
63993074 378013 377744.29 PURCH FULL 421000 358 89.9
64081770 303861 303589.84 PURCH ALT 380500 357 79.9
64099440 260000 259797.17 PURCH FULL 380000 359 72.2
64153754 296324 296324.35 PURCH ALT 396000 359 74.9
64154467 274336 274112.46 PURCH ALT 456500 356 60.2
64156001 287387 287147.08 PURCH ALT 360500 356 79.8
64156290 348927 348653.53 PURCH ALT 410000 358 89.9
64167160 330000 329722.76 R/T REFI ALT 770000 359 42.9
64310922 276169 275942.63 PURCH ALT 307500 359 90.0
64340414 400000 399680.12 C/O REFI FULL 577000 359 69.3
64391574 252502 252296.91 R/T REFI FULL 360000 358 70.2
64587231 250000 249804.97 C/O REFI FULL 366000 359 68.3
64615791 256000 255784.93 PURCH FULL 340000 359 80.0
64615812 252042 251811.47 PURCH FULL 275000 357 92.5
64617971 484440 484078.15 PURCH ALT 610000 358 79.4
64664244 255000 254810.75 R/T REFI ALT 324000 359 78.7
64677842 455173 454756.57 PURCH ALT 570000 357 79.9
64761886 324752 324752.7 PURCH FULL 415000 359 78.3
64768431 274414 274625.93 R/T REFI ALT 345000 359 79.5
64876039 262649 262433.82 PURCH FULL 315000 355 84.0
64912523 331898 331898.58 R/T REFI ALT 440000 356 75.4
64915000 258587 258372.98 R/T REFI ALT 325000 358 79.6
64919307 449222 449222.92 PURCH ALT 605000 358 74.9
64920283 299760 299518.76 R/T REFI ALT 416000 358 72.1
64921581 277000 276783.91 PURCH ALT 359000 359 77.2
64922588 268100 267895.99 PURCH ALT 300600 359 89.2
64976726 272000 271782.48 PURCH ALT 345000 359 79.2
64988457 310441 310169 PURCH ALT 389500 356 79.8
64990010 259820 259605.46 PURCH ALT 283000 358 92.4
64991946 319848 319595.76 PURCH ALT 356000 357 89.9
65051106 305749 305496.88 R/T REFI ALT 415000 358 73.7
65141342 400000 399672.11 R/T REFI ALT 1485000 359 26.9
65169239 412500 412193.86 C/O REFI FULL 550000 359 75.0
65194179 252792 252584.01 R/T REFI FULL 334000 358 75.7
65242394 329761 329520.8 C/O REFI FULL 440000 358 74.9
65242491 385698 385395.92 R/T REFI FULL 520000 358 74.2
65242556 575000 574492.69 R/T REFI ALT 750000 359 76.7
65242939 424660 424318.24 R/T REFI ALT 585000 358 72.6
65263511 372100 371763.61 PURCH FULL 470000 359 79.3
65266587 410000 409646.99 PURCH ALT 541000 359 75.8
65268687 360600 360304.41 R/T REFI FULL 465000 359 77.5
65269292 349365 349045.63 PURCH ALT 450000 357 79.9
65270835 519057 518582.07 PURCH ALT 650000 357 79.9
65301421 320445 320166.21 C/O REFI ALT 1300000 357 24.7
65333080 265000 264803.33 C/O REFI FULL 365000 359 72.6
65346505 399647 399292.21 C/O REFI ALT 700000 358 57.1
65346955 274979 274979.92 PURCH ALT 345000 359 79.7
65363396 251633 251633.37 PURCH ALT 280000 359 89.9
65366174 271518 271276.07 R/T REFI FULL 380000 357 71.5
65373472 314456 314181.78 C/O REFI FULL 715000 357 44.0
65374525 299250 299044.05 PURCH FULL 320000 359 95.0
65376862 244300 244109.42 R/T REFI FULL 315000 359 77.6
65377354 295763 295525.17 PURCH ALT 446000 358 66.3
65390377 347384 347073.78 PURCH FULL 438000 357 79.9
65406443 373759 373445.01 PURCH ALT 495000 355 75.5
65411889 268000 267796.07 PURCH FULL 335000 359 80.0
65416872 460000 459658.61 R/T REFI ALT 575000 359 80.0
65418000 499600 499197.93 R/T REFI FULL 625000 358 79.9
65420004 251200 251200 PURCH ALT 314000 360 80.0
65448430 259802 259603.1 C/O REFI ALT 422000 358 61.6
65448456 242306 242110.99 R/T REFI ALT 371500 358 65.2
65449576 566000 565536.05 R/T REFI ALT 740000 359 76.5
65459423 276000 275779.28 R/T REFI FULL 330000 359 83.6
65460448 289511 289511.32 R/T REFI ALT 363000 358 79.8
65461061 399333 399001.55 R/T REFI FULL 650000 358 61.4
65461185 599470 598938.34 PURCH FULL 860000 358 69.7
65461410 639525 639047.07 C/O REFI FULL 1080000 358 59.3
65463510 273375 273150.15 R/T REFI FULL 342000 358 79.9
65465121 266000 265770.97 R/T REFI ALT 510000 359 52.2
65471270 315000 314748.09 C/O REFI FULL 400000 359 78.8
65471385 387689 387377.6 R/T REFI FULL 485000 358 79.9
65471440 249800 249598.97 C/O REFI FULL 343000 358 72.8
65474058 399672 399342.31 C/O REFI ALT 560000 358 71.4
65474601 329701 329401.72 R/T REFI FULL 725000 358 45.5
65475411 393427 393427.24 C/O REFI FULL 525000 359 74.9
65478029 414033 413671.09 R/T REFI ALT 760000 356 54.5
65481321 493246 492823.91 PURCH FULL 618500 356 79.8
65482549 332413 332125.49 PURCH ALT 418000 358 79.9
65482727 264724 264724.58 PURCH ALT 332300 358 79.8
65488725 314748 314494.69 PURCH ALT 490000 358 64.2
65493699 317751 317502.34 R/T REFI FULL 400000 358 79.4
65494075 337000 336730.5 R/T REFI ALT 450000 359 74.9
65494415 442056 441656.37 R/T REFI FULL 615000 359 71.9
65496400 248800 248600.58 R/T REFI ALT 350000 358 71.1
65498445 299518 299518.76 R/T REFI ALT 450000 358 66.6
65501047 576507 576029.74 R/T REFI FULL 830000 358 69.5
65502507 444644 444286.16 R/T REFI FULL 1650000 358 27.0
65503384 329000 328743.34 R/T REFI FULL 530000 359 62.1
65503392 427800 427449.33 R/T REFI FULL 650000 359 65.8
65506278 279539 279307.42 C/O REFI FULL 390000 357 71.7
65509528 260096 259892.65 R/T REFI FULL 390000 358 66.7
65510488 299801 299801.49 R/T REFI ALT 575000 359 52.1
65522338 510000 509621.5 PURCH FULL 1070000 359 47.7
65523423 300000 299765.97 C/O REFI FULL 400000 359 75.0
65525272 383707 383413.5 R/T REFI FULL 487000 358 78.8
65527267 363389 363096.61 R/T REFI ALT 470000 358 77.3
65527330 278500 278266.02 R/T REFI FULL 380000 359 73.3
65537742 244265 244079.41 C/O REFI FULL 330000 355 74.0
65546377 325248 325248.7 PURCH ALT 408500 359 79.6
65551605 479135 479135.14 R/T REFI FULL 640000 359 74.9
65554272 281250 281041.26 C/O REFI FULL 375000 359 75.0
65563239 383237 382902.82 PURCH FULL 480000 357 79.9
65564022 375464 375176.4 PURCH FULL 420000 358 89.9
65567382 414000 413684.98 C/O REFI FULL 729000 359 56.8
65567838 249535 249301.64 PURCH ALT 345000 357 72.4
65576161 293738 293507.16 C/O REFI FULL 392000 358 74.9
65577001 241681 241471.13 PURCH ALT 269000 357 89.8
65583299 308251 307998.74 PURCH ALT 385500 355 80.0
65584813 368204 367910.03 PURCH FULL 461500 356 79.8
65585411 391922 391580.21 PURCH ALT 491000 357 79.9
65592361 339400 339141.74 PURCH FULL 425000 359 80.0
65592379 429638 429275.41 R/T REFI FULL 550000 358 78.1
65594771 271530 271293.47 C/O REFI ALT 430000 357 63.2
65596081 299469 299201.54 PURCH ALT 379000 357 79.1
65596269 299747 299494.48 PURCH ALT 450000 358 66.6
65597672 384660 384318.77 PURCH ALT 600000 358 66.9
65598300 249000 248828.63 C/O REFI ALT 332000 359 75.0
65598598 315467 315467.52 R/T REFI ALT 425000 358 74.3
65598661 289784 289568.19 R/T REFI FULL 560000 358 51.8
65599489 243305 243109.39 R/T REFI ALT 323200 358 75.3
65600045 296000 295757.37 PURCH ALT 370000 359 80.0
65600096 322278 322054.66 R/T REFI ALT 430000 358 74.9
65610164 270098 270098.42 PURCH FULL 340000 359 79.9
65611136 395316 394971.38 PURCH FULL 495000 357 79.9
65624521 314754 314507.05 R/T REFI FULL 500000 358 63.0
65625706 279559 279316.84 R/T REFI FULL 428000 358 65.3
65625757 243555 243359 C/O REFI FULL 330000 358 73.8
65625951 354202 353902.63 R/T REFI FULL 600000 358 59.1
65627083 622868 622298.48 PURCH ALT 780000 357 79.9
65633024 271549 271320.13 C/O REFI ALT 370000 357 73.4
65651251 763500 762842.64 R/T REFI FULL 1450000 359 52.7
65653688 292753 292506.27 R/T REFI FULL 680000 358 43.1
65655125 242001 241801.77 R/T REFI FULL 289000 358 83.7
65655460 464646 464290.17 PURCH FULL 661000 358 70.3
65657497 258400 258198.42 R/T REFI ALT 295000 359 87.6
65659805 359719 359436.62 R/T REFI ALT 626000 358 57.5
65663578 420000 419688.29 C/O REFI FULL 705000 359 59.6
65663853 328400 328130.81 PURCH FULL 365000 359 90.0
65669932 354471 354471.41 R/T REFI ALT 525000 358 67.5
65670663 249511 249293.31 PURCH ALT 320000 357 79.6
65689101 320730 320459.08 R/T REFI FULL 485000 358 66.1
65697693 247386 247179.73 R/T REFI ALT 310000 356 79.8
65701364 649223 648673.39 R/T REFI FULL 1150000 358 56.5
65704541 250947 250749.29 R/T REFI FULL 330000 359 76.1
65704886 260000 259807.04 C/O REFI FULL 325000 359 80.0
65704941 258000 257798.74 R/T REFI ALT 337000 359 76.6
65705343 626900 626360.25 PURCH ALT 786000 359 80.0
65705505 270000 269755.91 PURCH ALT 301000 359 90.0
65705921 289187 288928.98 PURCH ALT 305000 357 94.8
65709501 347760 347519.43 R/T REFI FULL 465000 358 74.8
65709951 271605 271605.01 C/O REFI FULL 340000 358 79.9
65710185 351738 351475.89 R/T REFI ALT 500000 358 70.3
65711424 274790 274790.74 PURCH ALT 373000 359 73.7
65716264 272000 271777.05 PURCH FULL 340000 359 80.0
65728581 320000 319762.51 PURCH ALT 400000 359 80.0
65738632 283500 283294.81 R/T REFI FULL 315000 359 90.0
65740386 644589 644589.68 PURCH ALT 860000 358 79.9
65741161 332000 331753.6 R/T REFI ALT 600000 359 55.3
65741404 369000 368746.05 R/T REFI ALT 650000 359 56.8
65741463 270000 269809.43 R/T REFI ALT 350000 359 77.1
65742010 382158 382158.98 PURCH FULL 430000 359 89.9
65742559 359000 358712.91 PURCH FULL 417000 359 88.5
65746198 274346 274346.24 PURCH FULL 289000 359 94.9
65746261 241782 241588.64 R/T REFI FULL 320000 359 75.6
65751132 409646 409291.99 PURCH FULL 513000 358 79.9
65751272 340000 339721.3 PURCH ALT 425000 359 80.0
65758064 319750 319499.22 PURCH ALT 424000 358 75.5
65758145 422653 422304.52 PURCH ALT 529000 358 79.9
65759796 241000 240807.27 C/O REFI ALT 306000 359 78.8
65784669 332551 332551.63 PURCH FULL 370000 358 89.9
65785452 387726 387450.53 PURCH ALT 431500 358 89.9
65786017 493000 492643.17 C/O REFI FULL 813500 359 60.6
65787951 279776 279550.83 R/T REFI ALT 355000 358 78.8
65795881 295000 294746.01 R/T REFI ALT 400000 359 73.8
65798228 243795 243588.84 C/O REFI FULL 350000 358 69.7
65799062 404000 403668.84 R/T REFI FULL 820000 359 49.3
65805496 571900 571453.86 PURCH ALT 714990 359 80.0
65806085 316000 315742.98 R/T REFI FULL 400000 359 79.0
65809033 326000 326000 R/T REFI FULL 410000 360 79.5
65830911 259631 259631.79 PURCH ALT 355000 358 74.2
65838084 289557 289557.3 PURCH ALT 380000 358 76.2
65838645 396912 396623.21 PURCH ALT 496500 358 79.9
65839960 599531 599061.05 PURCH ALT 750000 358 79.9
65841069 343744 343487.8 PURCH FULL 430000 358 79.9
65842120 297767 297533.65 PURCH ALT 373000 358 79.9
65842570 345971 345971.06 PURCH FULL 385000 358 89.9
65844017 396150 395800.48 PURCH FULL 417000 359 95.0
65851021 262500 262290.07 PURCH FULL 292000 359 89.9
65852435 365000 364685.74 C/O REFI FULL 550000 359 66.4
65854641 247500 247316.32 PURCH ALT 275000 359 90.0
65858433 253602 253602.01 PURCH FULL 282000 359 89.9
65863810 352000 351745.23 PURCH FULL 440000 359 80.0
65868366 507500 507123.36 R/T REFI FULL 1200000 359 42.3
65876059 319486 319486.68 R/T REFI ALT 425000 358 75.2
65876113 287000 286781.61 R/T REFI FULL 331000 359 86.7
65876342 358000 357727.59 PURCH ALT 406000 359 89.8
65878191 369696 369696.71 PURCH ALT 415000 359 89.1
65878469 264800 264603.47 PURCH FULL 295000 359 90.0
65884663 243818 243636.69 PURCH ALT 305000 358 79.9
65885031 241016 240831.8 PURCH ALT 275000 358 89.9
65885309 310000 309775.62 R/T REFI ALT 430000 359 72.1
65890833 303774 303774.38 PURCH FULL 380000 359 79.9
65891350 296000 295763.29 PURCH FULL 329000 359 90.0
65891562 338000 337749.15 C/O REFI FULL 465000 359 72.7
65892941 307312 307312.72 PURCH FULL 348000 359 88.3
65893654 379724 379448.18 PURCH ALT 615000 358 61.8
65893735 260000 259825.54 R/T REFI ALT 330000 359 78.8
65894936 356228 355955.79 R/T REFI ALT 475000 358 75.0
65895878 331700 331453.83 PURCH ALT 369000 359 89.9
65896599 252053 251854.3 R/T REFI ALT 300000 359 84.0
65903471 250200 250004.82 PURCH ALT 278000 359 90.0
65906225 465144 470850.3 PURCH FULL 589000 359 79.0
65913931 259300 259116.99 C/O REFI FULL 385000 359 67.4
65915275 304000 303785.43 PURCH ALT 380000 359 80.0
65915313 262200 262019.55 PURCH FULL 276000 359 95.0
65915437 372000 371743.99 PURCH FULL 465000 359 80.0
65916166 354936 354936.38 PURCH ALT 444000 359 79.9
65918193 412000 411694.23 R/T REFI ALT 700000 359 58.9
65918924 355650 355351.21 C/O REFI FULL 561000 359 63.4
65919041 303580 303580.81 C/O REFI FULL 620000 359 49.0
65921313 370000 369732.2 C/O REFI ALT 580000 359 63.8
65922417 275000 274774.58 C/O REFI FULL 436000 359 63.1
65922557 384000 383715.01 PURCH ALT 535000 359 71.9
65935331 265000 264782.77 PURCH FULL 395000 359 69.4
65954327 306735 306469.87 PURCH FULL 507000 358 60.5
65969260 355742 355483.03 R/T REFI ALT 398000 358 89.4
65969740 341448 341176.76 R/T REFI ALT 430000 358 79.4
65970594 484000 483593.38 R/T REFI ALT 605000 359 80.0
65970829 275285 275068.86 R/T REFI ALT 425000 358 64.8
65971167 509081 508677.85 R/T REFI ALT 650000 358 78.4
65971191 259796 259592.78 R/T REFI ALT 330000 358 78.7
65971612 299771 299542.04 R/T REFI ALT 420000 358 71.4
65971850 306758 306496.75 R/T REFI ALT 510000 358 60.2
65971990 272100 271892.95 R/T REFI FULL 385000 359 70.7
65972201 399188 398874.81 R/T REFI FULL 500000 358 79.8
65972465 265792 265583.73 R/T REFI ALT 340000 358 78.2
65972767 489233 489233.19 C/O REFI ALT 750000 358 65.2
65972872 269473 269245.54 R/T REFI ALT 380000 358 70.9
65973020 319768 319535.31 R/T REFI ALT 425000 358 75.2
65974026 321695 321695.78 R/T REFI ALT 535000 358 60.1
65974867 338742 338482.51 R/T REFI FULL 380000 358 89.1
65980620 307247 306994.41 C/O REFI FULL 410000 358 74.9
65981332 247536 247347.65 PURCH ALT 275500 359 90.0
65981685 319600 319344.42 PURCH FULL 413000 359 80.0
65981766 356000 355735.79 PURCH FULL 445000 359 80.0
65982096 347445 347130.9 C/O REFI FULL 480000 359 72.4
65983882 369689 369376.52 C/O REFI ALT 517000 358 71.5
65988710 260500 259999.92 R/T REFI ALT 329000 239 79.2
66006562 288750 288750 PURCH ALT 376000 360 76.8
66011060 245000 244799.17 R/T REFI FULL 315000 359 77.8
66011515 243555 243359 C/O REFI ALT 325000 358 74.9
66014212 283789 283577.14 R/T REFI ALT 355000 358 79.9
66014310 607948 607494.12 PURCH FULL 780000 358 79.9
66014565 269799 269597.99 R/T REFI FULL 355000 358 76.0
66015103 329761 329520.8 R/T REFI FULL 440000 358 74.9
66015456 256500 256318.96 R/T REFI ALT 285000 359 90.0
66017564 548097 548097.33 R/T REFI ALT 689000 358 79.6
66020689 375706 375411.58 C/O REFI ALT 615000 358 61.1
66020786 334732 334462.61 R/T REFI ALT 435000 358 76.9
66020859 292753 292506.27 R/T REFI ALT 565000 358 51.9
66021120 299729 299470.04 R/T REFI FULL 475000 358 63.1
66021707 292500 292298.7 R/T REFI ALT 405000 359 72.2
66023971 301540 301540.14 PURCH ALT 380000 357 79.8
66024412 549570 549139.3 C/O REFI FULL 780000 358 70.5
66034914 280000 279786.93 R/T REFI ALT 360000 359 77.8
66041198 376000 375727.86 C/O REFI ALT 470000 359 80.0
66045789 344000 343744.7 C/O REFI ALT 475000 359 72.4
66047994 248000 247824.96 R/T REFI ALT 310000 359 80.0
66053277 392144 391786.97 C/O REFI ALT 580000 358 67.6
66054818 259331 259127.85 C/O REFI ALT 490000 358 53.0
66055270 257083 256866.43 R/T REFI ALT 360000 358 71.4
66056276 307765 307529.84 R/T REFI ALT 348000 358 88.4
66058163 625000 624512.43 R/T REFI FULL 1000000 359 62.5
66058171 364500 364215.65 C/O REFI ALT 460000 359 79.2
66058490 309733 309464.68 R/T REFI ALT 430000 358 72.0
66058554 284266 284266.79 R/T REFI FULL 325000 359 87.5
66059551 349720 349438.55 C/O REFI ALT 480000 358 72.9
66059640 299747 299494.48 R/T REFI ALT 525000 358 57.1
66059992 268790 268579.03 C/O REFI ALT 375000 358 71.7
66060362 264771 264542.39 R/T REFI ALT 353000 358 75.0
66060931 245000 244804.07 C/O REFI ALT 400000 359 61.3
66061121 259786 259572.51 R/T REFI ALT 410000 358 63.4
66061385 288513 288275.22 C/O REFI FULL 385000 358 74.9
66062845 260764 260526.82 R/T REFI FULL 345000 358 75.6
66066182 284788 284575.64 R/T REFI FULL 550000 358 51.8
66066573 423750 423443.3 C/O REFI ALT 565000 359 75.0
66066808 307503 307503.9 PURCH ALT 342000 359 89.9
66072085 312000 311744.25 PURCH ALT 360000 359 86.9
66080274 399695 399389.37 PURCH ALT 450000 358 88.9
66082404 249334 249334.63 C/O REFI FULL 465000 357 53.7
66090571 345337 345337.02 PURCH ALT 384000 359 89.9
66090601 247500 247329.67 C/O REFI FULL 330000 359 75.0
66090741 544000 542987.02 R/T REFI FULL 680000 239 80.0
66090903 314600 314377.95 PURCH ALT 394000 359 80.0
66095476 278931 278931.62 PURCH ALT 360000 357 79.7
66100569 314507 314507.05 C/O REFI FULL 420000 358 74.9
66110327 379724 379448.18 PURCH FULL 475000 358 79.9
66111510 289977 290269.91 R/T REFI ALT 725000 358 40.0
66117208 359712 359422.51 R/T REFI FULL 515000 358 69.8
66117828 255800 255599.39 R/T REFI FULL 345000 358 74.1
66119421 989227 988450.73 R/T REFI FULL 2450000 358 40.4
66120977 297350 297112.21 R/T REFI FULL 360000 359 82.6
66125979 293472 293472.31 C/O REFI FULL 415000 358 70.7
66126975 493114 492725.44 R/T REFI ALT 625000 358 78.9
66129508 245817 245610.99 R/T REFI ALT 310000 358 79.3
66133360 354400 354400 PURCH FULL 443000 360 80.0
66138264 302700 302475.35 PURCH FULL 379000 359 80.0
66138973 301752 301503.45 R/T REFI FULL 410000 358 73.6
66140706 376029 375719.23 R/T REFI ALT 590000 358 63.7
66140927 257788 257575.79 R/T REFI ALT 353000 358 73.0
66142628 280000 279781.57 PURCH FULL 386000 359 72.7
66143225 326145 325889.2 PURCH ALT 408500 358 79.8
66153034 317326 317051.56 PURCH ALT 404000 358 79.9
66159059 292209 291970.9 R/T REFI ALT 415000 358 70.4
66160723 449648 449295.78 C/O REFI FULL 600000 358 74.9
66161541 429327 429327.09 R/T REFI ALT 550000 358 78.1
66161746 397600 397257.67 PURCH FULL 497000 359 80.0
66162904 448000 447595 PURCH FULL 560000 359 80.0
66163005 360000 359726.06 R/T REFI ALT 450000 359 80.0
66163366 346089 345766.6 PURCH FULL 390000 358 89.9
66164125 307747 307493.58 R/T REFI ALT 580000 358 53.1
66165067 280000 279758.92 PURCH ALT 296900 359 94.3
66165997 334725 334449.19 C/O REFI FULL 500000 358 66.9
66166438 396374 396047.75 R/T REFI FULL 500000 358 79.3
66166471 444644 444286.16 R/T REFI ALT 575000 358 77.3
66166551 251563 251375.15 PURCH ALT 265000 358 94.9
66167043 303247 302997.61 R/T REFI FULL 460000 358 65.9
66167183 262184 261967.82 C/O REFI FULL 380000 358 69.0
66167396 322000 321742.5 R/T REFI FULL 470000 359 68.5
66167523 260493 260289.78 R/T REFI FULL 380000 359 68.6
66167663 484621 484241.01 R/T REFI ALT 825000 358 58.8
66167698 367705 367409.67 PURCH FULL 460000 358 79.9
66168082 306955 306955.9 PURCH ALT 411000 358 75.4
66169551 339734 339467.93 C/O REFI ALT 520000 358 65.3
66169569 431609 431216.8 PURCH ALT 585000 358 74.1
66170478 410849 410849.1 PURCH ALT 520000 357 79.8
66170494 323840 323580.08 R/T REFI ALT 420000 358 77.1
66170583 259800 259581.73 R/T REFI ALT 570000 359 45.6
66170630 334718 334435.49 R/T REFI ALT 500000 358 66.9
66171008 274025 273786.96 PURCH FULL 305000 357 89.8
66171881 419256 418882.17 PURCH ALT 527000 357 79.9
66172187 291772 291543.04 R/T REFI ALT 405000 358 72.0
66172233 345000 344717.2 R/T REFI FULL 480000 359 71.9
66172365 344717 344432.75 C/O REFI ALT 540000 358 63.8
66175721 255000 254810.75 C/O REFI FULL 350000 359 72.9
66176336 262989 262777.79 PURCH FULL 329000 358 79.9
66177553 365455 365190.49 PURCH ALT 406500 359 90.0
66177626 279744 279496.58 PURCH ALT 350000 358 79.9
66178975 313532 313532.46 R/T REFI ALT 560000 358 56.0
66179394 256099 256099.74 PURCH ALT 321000 357 79.8
66179629 319397 319397.41 PURCH FULL 405000 358 78.9
66179980 250809 250616.83 C/O REFI FULL 335000 358 74.9
66182735 363640 363181.84 R/T REFI FULL 470000 296 77.4
66186021 350000 349733.67 R/T REFI FULL 575000 359 60.9
66188482 307747 307493.58 R/T REFI FULL 385000 358 79.9
66189527 341610 341610.35 R/T REFI ALT 575000 357 59.4
66190746 416000 415667.33 R/T REFI FULL 520000 359 80.0
66191432 324390 324106.92 C/O REFI ALT 440000 358 73.8
66191963 549502 549502.79 C/O REFI FULL 1200000 359 45.8
66192897 326744 326488.27 C/O REFI FULL 535000 358 61.1
66199859 379696 379390.42 R/T REFI FULL 500000 358 75.9
66200709 350000 349740.24 PURCH ALT 620000 359 56.9
66208548 450000 449666.03 C/O REFI FULL 600000 359 75.0
66209145 340200 339953.77 PURCH FULL 401000 359 90.0
66210739 314542 314542.55 PURCH ALT 415000 358 75.8
66210976 251835 251669.18 PURCH ALT 280000 358 89.9
66211239 363497 363497.34 PURCH ALT 460000 358 79.9
66220572 369829 369554.29 C/O REFI FULL 500000 359 74.0
66220998 320000 319774.15 C/O REFI ALT 463000 359 69.1
66221714 266811 266621.87 C/O REFI ALT 375000 358 71.1
66222389 255614 255428.54 PURCH ALT 302000 358 84.9
66222435 282000 281697.4 R/T REFI FULL 382000 299 73.8
66226601 256304 256108.44 PURCH FULL 305000 358 89.9
66229006 459683 459683.43 R/T REFI ALT 750000 359 61.3
66230063 248750 248551.07 R/T REFI ALT 325000 359 76.5
66232635 424668 424334.92 R/T REFI ALT 750000 358 56.7
66243424 274785 274569.64 R/T REFI FULL 410000 358 67.0
66243700 519594 519186.25 R/T REFI ALT 650000 358 79.9
66243866 280780 280560.25 R/T REFI ALT 380000 358 73.9
66243955 308424 307845.74 R/T REFI ALT 405000 238 76.2
66243963 293776 293551.19 R/T REFI FULL 450000 358 65.3
66244188 293287 293073.79 PURCH ALT 415000 358 70.7
66244846 409004 408502.54 R/T REFI ALT 590000 297 69.3
66245095 244394 244189.66 PURCH ALT 322000 358 75.9
66245541 299782 299564.34 PURCH FULL 386000 358 78.8
66245630 261999 261999.43 PURCH ALT 330000 358 79.9
66245656 244713 244525.38 R/T REFI FULL 345000 358 70.9
66245702 280371 280155.05 R/T REFI ALT 362000 357 77.5
66245745 289679 289456.69 R/T REFI ALT 390000 358 74.3
66245869 299168 298331.21 C/O REFI ALT 403000 190 74.2
66246083 359450 359450.44 R/T REFI ALT 460000 358 78.2
66246288 272787 272572.77 R/T REFI ALT 350000 358 77.9
66246326 511600 511198.75 PURCH ALT 640000 358 79.9
66246768 340461 340185.68 R/T REFI ALT 465000 357 73.2
66247390 464000 463646.93 PURCH ALT 580000 359 80.0
66249686 420000 419688.29 PURCH ALT 534000 359 80.0
66256739 299760 299518.76 PURCH ALT 435000 358 70.5
66261147 447641 447281.35 R/T REFI FULL 565000 358 79.2
66263417 268884 268668.32 PURCH ALT 300000 358 89.9
66265533 250059 249867.97 R/T REFI FULL 341000 358 73.3
66265789 351449 351449.14 C/O REFI ALT 575000 358 61.1
66267668 277542 277542.91 R/T REFI FULL 424000 358 72.1
66273056 259807 259612.87 PURCH ALT 296000 358 87.8
66274478 262500 262284.83 C/O REFI ALT 350000 359 75.0
66275326 264653 264439.46 C/O REFI ALT 425000 358 62.3
66276128 248260 248061.46 R/T REFI ALT 425000 359 58.4
66277604 264966 264742.45 R/T REFI ALT 300000 358 88.4
66278058 372701 372401.65 R/T REFI ALT 430000 358 86.7
66278287 303725 303448.87 PURCH ALT 380000 358 79.9
66279062 320975 320687.91 R/T REFI ALT 385000 359 83.4
66279135 275729 275729.32 R/T REFI ALT 325000 359 84.8
66279160 550525 550048.53 R/T REFI FULL 2050000 358 26.9
66279194 281007 280764.32 C/O REFI FULL 375000 358 74.9
66279411 284772 284542.82 PURCH ALT 325000 358 94.9
66279496 512163 511741.21 R/T REFI FULL 775000 358 66.1
66280109 379696 379390.42 R/T REFI FULL 512000 358 74.2
66281237 300000 299760.09 C/O REFI FULL 475000 359 63.2
66281601 262500 262290.07 R/T REFI ALT 805000 359 32.6
66282314 286065 285829.25 R/T REFI ALT 825000 358 34.7
66282926 258787 258574.14 R/T REFI FULL 325000 358 79.6
66285054 256500 256299.9 R/T REFI FULL 285000 359 90.0
66287804 281600 281374.8 C/O REFI ALT 375500 359 75.0
66289378 283275 283275 R/T REFI FULL 425000 359 66.7
66289521 441000 440655.98 R/T REFI FULL 630000 359 70.0
66292336 269789 269577.47 R/T REFI ALT 390000 358 69.2
66293243 257556 257357.53 PURCH ALT 287000 357 89.9
66307678 340000 339747.67 PURCH ALT 378000 359 89.9
66307694 416000 415706.39 PURCH FULL 525000 359 80.0
66313091 475236 475236.44 C/O REFI FULL 650000 357 73.1
66313198 310272 310272.01 PURCH ALT 423000 357 73.4
66313368 374707 374413.17 C/O REFI ALT 500000 358 74.9
66313481 334338 334075.63 R/T REFI ALT 475000 358 70.4
66313660 259412 259216.24 PURCH FULL 340500 357 77.8
66313821 299754 299506.75 PURCH ALT 391000 358 76.7
66313953 351235 351235.67 PURCH FULL 439874 358 79.9
66314011 305067 304833.96 PURCH ALT 383000 358 79.9
66314381 370247 370247.9 PURCH ALT 412000 358 89.9
66314658 289450 289222.77 PURCH FULL 363000 358 79.9
66314909 998473 998473.49 PURCH FULL 2100000 358 47.5
66315131 415175 414849.78 PURCH ALT 520000 358 79.9
66315671 259454 259221.92 PURCH FULL 451000 357 57.6
66315956 299260 299260.09 PURCH ALT 386800 359 77.4
66317771 257903 257903.52 PURCH FULL 296000 359 89.9
66317819 388300 387981.71 PURCH ALT 486000 359 80.0
66318297 360000 359752.25 C/O REFI FULL 575000 359 62.6
66319391 296024 295797.76 C/O REFI FULL 395000 358 74.9
66319935 330941 330681.7 C/O REFI FULL 620000 358 53.4
66320062 376306 376010.65 R/T REFI ALT 527000 358 71.4
66320496 400687 400372.47 C/O REFI ALT 560000 358 71.6
66320674 744460 743918.14 PURCH FULL 1120000 358 66.5
66320933 287528 287279.07 PURCH ALT 388000 358 74.1
66321034 247000 246807.31 R/T REFI ALT 290000 359 85.2
66322413 309752 309502.72 C/O REFI FULL 525000 358 59.0
66323011 379717 379434.2 R/T REFI ALT 790000 358 48.1
66324254 362023 361724.27 PURCH ALT 453000 358 79.9
66333377 272000 271777.05 R/T REFI ALT 340000 359 80.0
66335531 349726 349726.95 PURCH FULL 630000 359 55.6
66342708 382050 381766.46 PURCH FULL 425000 359 89.9
66347688 518794 518794.97 PURCH ALT 730000 359 79.9
66352479 259592 259381.74 PURCH FULL 505500 358 51.4
66360871 320000 319756.5 R/T REFI FULL 400000 359 80.0
66370965 374899 374899.95 PURCH FULL 469000 359 79.9
66370990 268500 268305.66 R/T REFI FULL 350000 359 76.7
66377692 259000 258807.78 PURCH FULL 370000 359 70.0
66380961 322300 322072.52 R/T REFI FULL 410000 359 78.6
66403065 284400 284178.14 R/T REFI ALT 325000 359 87.5
66404436 374700 374398.44 R/T REFI ALT 530000 358 70.7
66405360 255800 255599.37 R/T REFI FULL 307000 358 83.3
66406641 303647 303418.68 C/O REFI FULL 423000 357 71.8
66407320 439697 439697.19 PURCH ALT 555000 359 79.9
66408148 259786 259572.51 R/T REFI ALT 349000 358 74.4
66408270 414032 414032.65 R/T REFI FULL 649000 358 63.8
66408482 293543 292984.58 R/T REFI FULL 390000 238 75.3
66408521 258193 257983.98 R/T REFI ALT 297000 358 87.0
66409497 348000 347741.73 PURCH ALT 443000 359 80.0
66426201 350100 349833.6 R/T REFI FULL 458900 359 76.3
66426529 268000 267796.07 R/T REFI ALT 335000 359 80.0
66428131 374707 374413.15 PURCH ALT 555000 358 70.0
66429331 279786 279572.55 PURCH FULL 350000 358 79.9
66429501 319756 319511.5 PURCH ALT 400000 358 79.9
66430135 301326 301101 PURCH ALT 376900 358 79.9
66430321 260306 260306.67 R/T REFI ALT 340000 359 76.6
66431018 389672 389342.82 C/O REFI ALT 580000 358 67.2
66431344 524600 524198.57 C/O REFI ALT 750000 358 69.9
66431981 369725 369449.08 R/T REFI FULL 620000 358 59.7
66432804 535831 535410.8 R/T REFI FULL 750000 358 71.4
66432855 279781 279561.82 R/T REFI ALT 375000 358 74.6
66436559 324000 323753.46 R/T REFI FULL 411000 359 79.3
66436567 304784 304568.07 R/T REFI ALT 382000 358 79.8
66443563 281000 281000 PURCH ALT 385000 360 73.9
66505259 480000 479606.54 R/T REFI ALT 720000 359 66.7
66505429 285000 284788.48 C/O REFI FULL 400000 359 71.3
66506794 320000 319744.1 R/T REFI ALT 400000 359 80.0
66508967 337500 337243.19 C/O REFI ALT 450000 359 75.0
66509581 262500 262295.22 C/O REFI FULL 350000 359 75.0
66509963 448000 447641.74 PURCH ALT 667000 359 80.0
66618215 253500 253307.1 PURCH FULL 320000 359 90.0
66618461 274500 274285.86 PURCH FULL 305000 359 90.0
66624053 293770 293770.65 R/T REFI FULL 670000 359 43.9
66624118 247786 247786.47 R/T REFI FULL 345000 359 71.8
66624991 300000 299760.09 PURCH ALT 435000 359 70.3
66627249 335050 334782.07 PURCH ALT 419000 359 80.0
66627613 375000 374692.62 PURCH FULL 543000 359 69.1
66629331 650000 649529.55 PURCH ALT 975000 359 67.4
66640881 340000 340000 PURCH ALT 425000 360 80.0
66641608 296100 295874.69 PURCH FULL 334500 359 90.0
66647045 300000 300000 C/O REFI ALT 475000 360 63.2
66648017 248000 247815.94 PURCH ALT 315000 359 80.0
66650577 290000 289784.77 C/O REFI ALT 600000 359 48.3
66659779 307000 306748.35 R/T REFI ALT 410000 359 74.9
66660521 299762 299762.5 R/T REFI FULL 610000 359 49.2
66661064 290700 290467.53 PURCH FULL 323000 359 90.0
66677211 240800 240621.29 PURCH FULL 270000 359 90.0
66677416 316000 315759.54 PURCH ALT 395000 359 80.0
66680263 375000 374700.11 PURCH ALT 745000 359 54.0
66680506 261250 261060.91 PURCH FULL 275000 359 95.0
66729050 516000 515597.47 PURCH FULL 645000 359 80.0
66741335 269100 268879.42 PURCH ALT 299000 359 90.0
66806852 251550 251358.58 R/T REFI FULL 279500 359 90.0
546
$182,571,135.49
7.193
355.9
73.5
73.5
</TABLE>
<PAGE>
EXHIBIT D-2
NMC MORTGAGE LOAN SCHEDULE
Final - NBMC
Settlement 2/23/19990
Bank of America Mortgage Securities, Inc.
Series 1999-1
<TABLE>
<CAPTION>
LOAN# NAME ADDRESS CITY ST ZIP OCC PROP
- -----------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C> <C> <C>
21823398 ASHTON JR, LYNN 7 WILLIAM PALME FLAGSTAFF AZ 86001 Primary SFR
21922059 HOESING, MICHAEL 330 THORN APPLE W CASTLE ROCK CO 80104 Primary SFR
21923792 ANGLIN, STEVEN 6615 BRIARHAVEN DALLAS TX 75240 Primary SFR
21934294 BEVELHIMER JR, RICHARD 5207 E ANDERSON DR SCOTTSDALE AZ 85254 Primary PUD
21949698 GOTTLIEB, STEVEN 2056 BROOKHIGHLAND BIRMINGHAM AL 35242 Primary SFR
21972146 DAKIN, BRIAN 1404 GRANBY WAY WEST CHESTE PA 19380 Primary SFR
21976998 DELGROSSO, DOUGLAS 5763 ALGONQUIN COU TROY MI 48098 Primary SFR
22001192 FULWIDER II, RICHARD 16005 HOLBEIN DRIVE COLORADO SP CO 80921 Primary PUD
22046239 CALDERA, NESTOR 13914 BARNHART BLVD HOUSTON TX 77077 Primary SFR
22097133 CENTRONE, JEFFREY 274 OLD FARMS WES MIDDLETOWN CT 6457 Primary SFR
22102750 COVERETT, BLAKE 24706 231ST AVENUE MAPLE VALLE WA 98038 Primary PUD
22106074 GRIFFITH, DONALD 4805 CHELMSBURY LA LEXINGTON KY 40515 Primary SFR
22109110 ALLEN, LEMUEL 130 A CLOVERLEAF DR MADISON MS 39110 Primary SFR
22111827 GIES, ROBERT 2951 BRUCE STATION CHESAPEAKE VA 23321 Primary SFR
22125595 WORGAN, DAVID 11220 SE73RD PLACE NEWCASTLE WA 98056 Primary SFR
22128854 FRALEY JR, EARL 1521 BORDEAUX PLAC NORFOLK VA 23509 Primary SFR
22134100 GOOD, ELIZABETH 5 DEER OAK COUR PHOENIX MD 21131 Primary SFR
22145189 MC CARTHY, STEPHEN 130 SE13TH ST WASHINGTON DC 20003 Primary SFR
22146443 CARLSON, TERRY 13911 SE201ST COURT KENT WA 98042 Primary SFR
22146740 BUTKIEWICZ JR, JAMES 525 NAGLE COURT WEST CHICAG IL 60185 Primary PUD
22151708 STEVENSON, SANDRA 13299 E COUNTY LINE R LONGMONT CO 80504 Primary SFR
22162838 SHINE, JUDITH 9773 BAY HILL DRIV LITTLETON CO 80124 Primary PUD
22168439 BENCH, THAD 1925 OLD ANNAPOLIS ANNAPOLIS MD 21401 Primary SFR
22182125 SWAIN, NEIL 801 STATE ROAD 34 EDGEWOOD NM 87015 Primary SFR
22182455 HAWKS, DENNIS 9220 N 186TH STREET BENNINGTON NE 68007 Primary SFR
22182646 TABBERSON, BRUCE 755 WETMORE HEIGH COLORADO SP CO 80906 Primary PUD
22193288 UNGERMAN, MARK 10914 MONTROSE AVE GARRETT PAR MD 20896 Primary SFR
22199616 ARMATAS, JAMES 69 LEMANS COURT PRAIRIE VIL KS 66208 Primary SFR
22203608 WALTER, PHILIP 120 NORTH QUARTER WILLIAMSBUR VA 23185 Primary PUD
22209373 MALONEY, MICHAEL 4727 FLORENCE DOWNERS GRO IL 60515 Primary SFR
22209548 BASILE, FRANK 2460 HALLE PARKWAY COLLIERVILL TN 38017 Primary PUD
22211007 GINTER, GERALD 10 DORCHESTER CO HAWTHORNE W IL 60042 Primary SFR
22214142 HOFFMAN, DUNCAN 4008 MORNING GLORY PLANO TX 75093 Primary PUD
22215057 WRIGHT, OTHA 5021 W 128TH LEAWOOD KS 66209 Primary PUD
22216386 LOVELACE, MARK 849 N WASHINGTON ST HINSDALE IL 60521 Primary SFR
22220222 HUNT, MICHAEL 110 WORKINGTON CO WILLIAMSBUR VA 23188 Primary PUD
22221402 RUSSELL, WILLIAM 130 N JULIAN STREET NAPERVILLE IL 60540 Primary SFR
22223762 GIERADA, DAVID 8019 CRESCENT DRIVE CLAYTON MO 63105 Primary PUD
22226104 HUNN, ROBERT 605 CHATHAM LANE WHITPAIN TW PA 19422 Primary SFR
22233258 KARL, TERRY 761 BLACK WALNUT SUGAR GROVE IL 60554 Primary SFR
22234330 SUTTON, WARNER 205 POLO LANE WRIGHTSVILL PA 17368 Primary SFR
22238059 ERBE, KEVIN 1107 NORTHRIDGE DR ERIE CO 80516 Primary PUD
22244461 PFEIL, DAVID 138 ISLAND CIRCLE SARASOTA FL 34242 Primary SFR
22245054 FRENKEL, CARL 3107 HAYDEN BEND AUSTIN TX 78733 Primary PUD
22245955 MEEHAN, BRYAN 3 SILVER GATE C PERRY HALL MD 21128 Primary SFR
22246201 WUDTKE, DALE 9105 W 126TH STREET PALOS PARK IL 60464 Primary SFR
22250716 LITS, GARY 4436 HIGHLANDER DALLAS TX 75287 Primary SFR
22253447 BLOCK, TIMOTHY 90 HUNTER LANE DOYLESTOWN PA 18901 Primary SFR
22256796 HAMILTON, DOREEN 24283 DEEP NECK ROA ROYAL OAK MD 21662 Primary SFR
22256994 SAX, SCOTT 4058 OLD WESTBURY BOULDER CO 80301 Primary PUD
22267868 PLETZ, TRACY 506 CRANEBROOK RO WILMINGTON DE 19803 Primary SFR
22270748 PRESS, JOEL 525 AVERVERGNE PL RIVER FORES IL 60305 Primary SFR
22272397 CORRADINI, DARREL 1200 CHRISLAND COU ANNAPOLIS MD 21403 Primary SFR
22274708 STORMONT, THOMAS 1023 N BROADWAY ST STILLWATER MN 55082 Primary SFR
22277792 LIEBSON, RICHARD 820 N MAIN STREET WHEATON IL 60187 Primary SFR
22278147 HANNAWAY, DANIEL 4445 DYNASTY DR COLORADO SP CO 80918 Primary PUD
22278386 MIKLES, PERRY 55 E PERIWINKLE LA NEWARK DE 19711 Primary SFR
22278535 JAHNER, PHREDERICK 14575 ELBERT RD PEYTON CO 80831 Primary SFR
22280747 ROTH, RICHARD 3775 PURDUE STREET HOUSTON TX 77005 Primary SFR
22285530 SCHONBERG, JEFFREY 1041 ASHLAND AVENU WILMETTE IL 60091 Primary SFR
22291025 JACKSON, JEFFREY 3480 E EASTOAKS DR SALT LAKE C UT 84124 Primary SFR
22292148 PHILLIPS, JOHN 7707 INDIAN SPRING D NASHVILLE TN 37221 Primary SFR
22292155 JONES, MARK 470 SECHEROKEE AVE ATLANTA GA 30312 Primary SFR
22294185 MAES, MANNY 14112 WINDSOR LEAWOOD KS 66224 Primary SFR
22294219 CLEMENT, MICHAEL 12601 ALHAMBRA LEAWOOD KS 66209 Primary SFR
22294300 MACDONALD JR, JAMES 555 OWL CREEK DR POWDER SPRI GA 30127 Primary SFR
22295141 NULL, CLINTON 306 BARRINGTON LANE YORKTOWN VA 23693 Primary PUD
22295265 MARTIN JR, DON 17404 PAUMA VALLEY DALLAS TX 75287 Primary SFR
22301451 MATHENY JR, CALVIN 3003 WEST ROXBORO ATLANTA GA 30324 Primary PUD
22302640 DE GROAT, JOHN 420 BUTTONWOOD RD LANDENBERG PA 19350 Primary PUD
22305429 LAVIN, KEVIN 328 WASHINGTON ST GLENVIEW IL 60025 Primary SFR
22306856 SHAPIRO, LESLIE 75 S CHERRY STREET DENVER CO 80246 Primary SFR
22307805 RODAS, JOAQUIN 9344 OTTO STREET DOWNEY CA 90240 Primary SFR
22308597 OSTER, STEPHAN 5332 BLUE IRIS COU NORCROSS GA 30092 Primary PUD
22309389 MAST II, JOHN 715 WEATHERLY LAN ATLANTA GA 30328 Primary SFR
22311542 VOCKLEY, JOSEPH 9633 GREENEL RD DAMASCUS MD 20872 Primary PUD
22313415 NOCIFERA, MARGERIE 18224 N 52ND STREET PHOENIX AZ 85254 Primary PUD
22313761 KAHN, MARK 305 SANDCASTLE DR BRYN MAWR PA 19010 Primary SFR
22314249 MOTZ, STEPHEN 6083 PINTER COURT WEST CHESTE OH 45069 Primary SFR
22314538 SIMON, RICHARD 2485 POINCIANA DRI WESTON FL 33327 Primary SFR
22314694 DEPERSIS, EDWARD 12908 CINNAMON OAKS HERNDON VA 22071 Primary SFR
22315170 REMER, ERICK 26075 HURLINGHAM RD BEACHWOOD OH 44122 Primary SFR
22316111 LONG, DEREK 8271 LIBERTY PARK BOERNE TX 78015 Primary SFR
22318885 MICKUS, ROBERT 4 BIG CONE SPRU LITTLETON CO 80127 Primary SFR
22318976 HUGHES, H 109 QUAPAW TRAIL MAUMELLE AR 72113 Primary SFR
22319107 RHODES, BRENDA 608 N SORITA CIR HEATH TX 75032 Primary SFR
22320360 GANGWISH, D 4104 AVENIDA LA ALBUQUERQUE NM 87110 Primary SFR
22321186 TRIANTAFYLLOU, STEVEN RR1 BOX 136A TU SEVEN VALLE PA 17360 Primary SFR
22321319 WEINMANN, ROBERTO 98 BAYARD LANE PRINCETON B NJ 8540 Primary SFR
22321749 HAYDEN, SHANNON 80 WACHUSETT AVE HYANNISPORT MA 2647 Secondary SFR
22324784 LIN, JIMMY 11216 MEADOW LEAWOOD KS 66211 Primary PUD
22324909 JOHNSON, MICHAEL 2713 ROSE AVE MCHENRY IL 60050 Primary SFR
22324941 HAUPTMAN, JON 38 STERLING HEIG VERNON HILL IL 60061 Primary SFR
22325120 MILLER, DAVID 6086 OBERSTRASSE R EVERGREEN CO 80439 Primary SFR
22325724 DODBELE, SINHAPRASAD 6415 CALEB CT ALEXANDRIA VA 22315 Primary SFR
22326227 WRIGHT JR, NICHOLAS 103 RIDGE RD VIRGINIA BE VA 23451 Primary SFR
22326599 CROWDER, LARRY 8444 LANSINGWOOD COV GERMANTOWN TN 38139 Primary SFR
22327100 COOPER, BOBBY 501 RESTON MILL L MARIETTA GA 30067 Primary PUD
22328504 TAIT, FRANK 425 W WAYNE AVENUE WAYNE PA 19087 Primary SFR
22328694 INSKO, THEODORE 3532 CASTLEGATE WYND LEXINGTON KY 40502 Primary SFR
22329502 MENDEZ, MAURICE 30 AUTUMN LANE RENO NV 89509 Primary SFR
22329775 DEVINE, THOMAS 232 CHANCELLORS PK SIMPSONVILL SC 29681 Primary SFR
22330153 ROTHEMICH, MICHAEL 1336 WOODMANOR DRI RALEIGH NC 27614 Primary PUD
22330641 HENNESSEY JR, BRIAN 808 ADMIRAL COURT AGOURA HILL CA 91301 Primary SFR
22330708 KILLEN, MARK 3708 W 153RD ST LEAWOOD KS 66224 Primary SFR
22331219 SUTTLE, JOHN 25222 SPINDLWEOOD LAGUNA NIGU CA 92677 Primary PUD
22331367 GRUBB, TIMOTHY 2230 SPENCERS WAY STONE MOUNT GA 30087 Primary SFR
22332936 CUMMINGS, JOHN 21 PARK PASEO LAGUNA NIGU CA 92677 Primary SFR
22332969 WOLFE, LAWRENCE 12322 CLEGHORN RD COCKEYESCIL MD 21030 Primary SFR
22333959 HESSEL, GORDON 8846 39TH AVE SW SEATTLE WA 98136 Primary SFR
22339394 ANDERSON, GREGORY 4212 OAKDALE AVE EDINA MN 55416 Primary SFR
22339618 SIGMON, JANE 703 FORDS LANDING ALEXANDRIA VA 22314 Primary PUD
22340103 VARNEY, ANDREW 909 DOUGLASS DRIV MCLEAN VA 22101 Primary SFR
22340400 CANNON, CHRISTOPHER 4407 BUTTONWOOD CT DALLAS TX 75287 Primary PUD
22340491 THORP, JAMES 583 BUCK TRAIL CO CORDOVA TN 38018 Primary SFR
22340772 PEYTON JR, ARTHUR 15811 HUNTON LANE HAYMARKET VA 20169 Primary SFR
22341465 HILLIER, GEORGE 2109 SCARLET OAK L LISLE IL 60532 Primary SFR
22341531 HOUSEMAN, JAMES 7283 PALDAO DRIVE DALLAS TX 75240 Primary SFR
22341812 GROFF, CHRISTOPHER 5896 BIRKDALE LANE SAN LUIS OB CA 93401 Primary PUD
22341903 JOYCE, CRAIG 4041 MONTVIEW BOUL DENVER CO 80207 Primary SFR
22343586 BATEMAN JR, HERBERT 203 PARKWAY DR NEWPORT NEW VA 23606 Primary SFR
22344188 GREEN, DAVID 13117 CONWAY GROVE LA ST LOUIS MO 63141 Primary PUD
22344584 LOWRY, THOMAS 48 N DREXEL LAGRANGE IL 60525 Primary SFR
22344592 MCCULLOUGH, LARRY 5720 CLARE ROAD SHAWNEE KS 66226 Primary SFR
22344840 STRAUB, JOHN 806 CRAIG FOREST LA ST LOUIS MO 63122 Primary SFR
22346829 ELLIS, ROBERT 1460 SCOTT STATION R SIMPSONVILL KY 40065 Primary SFR
22347009 LEWANDOWSKI, CHERYL 3056S ABINGDON STREET ARLINGTON VA 22206 Primary SFR
22347579 PHAM, ANH 2920 OAK SHADOW DR OAK HILL VA 20171 Primary PUD
22347744 SCHAARS, STEVEN 1343 KIRBY ROAD MCLEAN VA 22101 Primary SFR
22347843 VELLIOTIS, ANGELO 6508 PONTIAC DRIVE INDIAN HEAD IL 60525 Primary SFR
22347959 MORGAN, REX 12031 ROYAL PORTRUS CHARLOTTE NC 28277 Primary SFR
22348726 STALLWORTH JR, SAMUEL 8546 PRESTON MILL CO DUBLIN OH 43017 Primary SFR
22349286 JENSEN, BLAINE 108 S MONROE ST DENVER CO 80209 Primary SFR
22349575 EBBESKOTTE, VINCENT 1254 CANADA GEESE BIG CANOE GA 30143 Primary PUD
22350110 BROUSSARD, ROBERT 11060 VOLLMER ROAD COLORADO SP CO 80908 Primary SFR
22350417 PETERSON, JACK 1916 NE36TH AVE PORTLAND OR 97212 Primary SFR
22350623 BARTHA, ANDRES 13123 SW64TH COURT MIAMI FL 33156 Primary SFR
22350672 OCHSNER, GREGORY 835 CHASE LN CHESTER SPR PA 19425 Primary SFR
22351548 FRICKLETON, JAMES 3012 WEST 117TH ST LEAWOOD KS 66211 Primary PUD
22351886 HERNANDO, ANA 1001 UTICA CIRCLE BOULDER CO 80304 Primary SFR
22352553 STEELE II, JOSEPH 3256 N RIVERSIDE DRI LANEXA VA 23089 Primary SFR
22353585 BUHL, FRANK 104 CENTRAL BLVD BETHANY BEA DE 19930 Primary SFR
22355317 COLLINS, WILLIAM 100 THOMASHIRE CT RICHMOND VA 23229 Primary SFR
22355358 BEASLEY, WILLIAM 105 CARNOUSTIE COUR PADUCAH KY 42001 Primary SFR
22357818 SAMPSON, CHARLES 2182 ASTER CIR LYNWOOD IL 60411 Primary SFR
22358212 LEWIS, JEFFREY 123 CENTER PARK LAN OAK RIDGE TN 37830 Primary SFR
22358816 SANCLARIA, JOHN 1680 AVIAN CT LAFAYETTE CO 80026 Primary PUD
22359210 WHEELER, LESLIE 431 WAYNESBROOKE BERWYN PA 19312 Primary SFR
22359293 BEDELL, ROBERT 5441 SHOAL BROOK C CHARLOTTE NC 28277 Primary SFR
22359368 CURTIS, L #5 CRYSTAL MOUNT MAUMELLE AR 72113 Primary SFR
22359566 SOCK, LARRY 6720 ANNS CT LINCOLN NE 68516 Primary SFR
22359921 THORSON, CHADWICK 425 E FOREST WHEATON IL 60187 Primary SFR
22360325 NAUMANN, ROBERT 3816 CLOVERLEAF DR BOULDER CO 80304 Primary SFR
22361497 ALAND, ROBERT 2921 BALMORAL ROAD BIRMINGHAM AL 35223 Primary PUD
22361794 WHALEN, JOHN 131 MARIE DR A/ NORTHAMPTON PA 18954 Primary SFR
22362305 BIRNBREY, EDMUND 215 MORGAN FARM D ATLANTA GA 30342 Primary PUD
22363139 WHITE, EUGENE 28742 S REDONDO BEACH DES MOINES WA 98198 Primary SFR
22363295 GLASSCO, LENDELL 1469 SIGNAL POINT GUNTERSVILL AL 35976 Primary SFR
22363337 FEDERICISR, MICHAEL 1012 SANDPIPER LN ANNAPOLIS MD 21403 Primary Condo
22363345 FINCH, BRENDA 8912 GALDEN GATE D FAIRFAX VA 22031 Primary PUD
22363394 WOLTERING, JEFFREY 24309 STATE LINE CLEVELAND MO 64734 Primary PUD
22363410 FOLEY, MICHAEL 142 RUSSELL ST CARLISLE MA 1741 Primary SFR
22363550 SPUEHLER, KENTON 3050 S NEWCOMBE WAY LAKEWOOD CO 80227 Primary PUD
22363576 PRICE, TIMOTHY 1014 ANCHORAGE WOODS LOUISVILLE KY 40223 Primary SFR
22364178 FOGEL, ROGER 11520 CANTERBURY CIRC LEAWOOD KS 66211 Primary SFR
22364640 WIGGERS, ANDREW 464 W WESLEY ROAD ATLANTA GA 30305 Primary SFR
22365019 RICH, EUGENE 4525 S 167TH AVENUE OMAHA NE 68135 Primary SFR
22365332 COYLE, JEFFREY 928 SOUTH ADAMS S HINSDALE IL 60521 Primary SFR
22365423 WALKER, JOSEPH 501 LAKESHORE BLV INCLINE VIL NV 89450 Secondary Condo
22365613 OSUNERO, DOMINGO 6 HAMILTON LANE OAK BROOK IL 60521 Primary PUD
22365647 IORFIDA, SAMUEL 122 EAST OAK RIDG BURR RIDGE IL 60521 Primary PUD
22365696 CANNELLA, JOHN 2808 CUB HILL RD BALTIMORE MD 21234 Primary SFR
22365795 MARTIN, WILLIAM 5224 BRIAR TREE DR DALLAS TX 75248 Primary SFR
22365829 GREAR, MICHAEL 360 EAST RANDOLPH CHICAGO IL 60601 Secondary Condo
22365837 BOHNE, JOSEPH 101 INDIAN WOOD L INDIAN HEAD IL 60525 Primary SFR
22365852 DELAHUNT, DONALD 1165 MOUNTAIN IVY ROSWELL GA 30075 Primary SFR
22366363 ARYA, ANUJ 5207 IVYSTONE COUR SUGAR LAND TX 77479 Primary PUD
22366488 FUSSELL, STEVE 1205 RIDGEWOOD DR LOVELAND OH 45140 Primary SFR
22366496 WILKINS, RICHARD 5095 TULE LAKE DR LITTLETON CO 80123 Primary PUD
22366629 JONES, KEVIN 6310 GOLDEN GOOSE LAS VEGAS NV 89118 Primary PUD
22367874 METTLER, RICHARD 2675 SW106TH AVE PORTLAND OR 97225 Primary SFR
22368815 GORGES, SANDRA 415 MT VERNON CIR GOLDEN CO 80401 Primary SFR
22368856 FRASER, GWEN 8849 LAKESIDE DR BOULDER CO 80301 Primary SFR
22368880 HARRINGTON JR, BILLY 7520 DALLAS COURT LAS VEGAS NV 89139 Primary SFR
22369045 INGRAM, JOHN 9314 CROSBY RD SILVER SPRI MD 20910 Primary SFR
22369284 ROWLAND, BRUCE 1085 WARRENTON COU BRENTWOOD TN 37027 Primary PUD
22369516 ROGERS, MARGARET 300 DEXTER AVENUE BIRMINGHAM AL 35213 Primary PUD
22370159 LENZ, RICHARD 3790 TIMBERS EAGE GLENVIEW IL 60025 Primary SFR
22370530 STRATTAN, MORGAN 3424 N. 140TH CIRCLE OMAHA NE 68164 Primary SFR
22370878 MCCARTY, ROBERT 39 W 190 PAULEY SQ GENEVA IL 60134 Primary SFR
22370886 ALEXANDER JR, OWENS 14323 RANCHO SA RANCHO SANT CA 92067 Primary PUD
22371306 NUNEZ, JOSEPH 98 HAWTHORNE RD HOPKINS MN 55343 Primary SFR
22371942 SCHMETTERER, KENNETH 843 WARRINGTON RO DEERFIELD IL 60015 Primary SFR
22372098 SMITH, JOSEPH 2135 CLEARSPRING D IRVING TX 75063 Primary PUD
22372270 GEGEN, MICHAEL 4801 SOUTH DAHLIA ST LITTLETON CO 80121 Primary SFR
22372288 SPRAGUE, ROBERT 5587 WOODFIELD PKW GRAND BLANC MI 48439 Primary SFR
22372593 CHANDLER, HARRY 77 KIRK DR BOISE ID 83716 Primary SFR
22372601 PALMER BALL J, BENEDICT 3980 HOOPER STATIO SHELBYVILLE KY 40065 Primary SFR
22372726 RODENBERGER, SUSAN 1139 LAGOON VIEW C CARDIFF CA 92007 Primary PUD
22372783 TREICHEL, EDWARD 812 S LINCOLN HINSDALE IL 60521 Primary SFR
22372809 NAGLE, MARK 487 LAKEWOOD FARM LOVELAND OH 45140 Primary SFR
22373187 MATUS, ZBIGNIEW 3707 RUSSETT LANE NORHTBROOK IL 60062 Primary SFR
22373740 WILLETT, WILLIAM 3422 GOLDEN EAGLE BLAIR NE 68008 Primary SFR
22373880 JAMES, KENDRICK 6254 TERWILLIGER HOUSTON TX 77057 Primary SFR
22373898 WADE, STEVEN 753 JACKSON AVENU RIVER FORES IL 60305 Primary SFR
22373989 MUELLER, JAMES 3 AZALEA LANE RUMSON NJ 7760 Primary SFR
22374060 NICHOLS JR, MICHAEL 5933 MATTOX RD KANSAS CITY MO 64151 Primary PUD
22374086 KLEIN, GARY 8 SONNEBORN LAN SEVERNA PAR MO 21146 Primary PUD
22374201 HESPE, THOMAS 17900 DEARBORN DRIV STILWELL KS 66085 Primary PUD
22374417 BARBER II, WILLIAM 2020 SAINT ANDREWS GREENSBORO NC 27408 Primary SFR
22374516 WOODWORTH, STANLEY 14774 BOND OVERLAND PA KS 66221 Primary PUD
22374698 ONEILL, TIMOTHY 3320 PROVINE ROAD MCKINNEY TX 75070 Primary PUD
22374847 SCOTT, MARK 1829 PARFET ESTATE GOLDEN CO 80401 Primary PUD
22375083 SHAENBOEN, MICHAEL 1617 BRASSIE FLOSSMOOR IL 60422 Primary SFR
22375455 MCLEOD, KENNETH 16208 WINNOW COURT CORNELIUS NC 28031 Primary PUD
22375463 LA RUFFA, DONALD 110 COMMODORE LAN SMITHFIELD CO 23430 Primary SFR
22375471 KISER, BEVERLY 103 MARINERS COUR SMITHFIELD VA 23430 Primary PUD
22375570 BOND JR, ROBERT 2865 THORNBROOK RD ELLICOTT CI MD 21042 Primary SFR
22375828 LAZAR, ANDREW 1960 EMERALD WOODS HIGHLAND PA IL 60035 Primary SFR
22376123 LINK, KENNETH 15804 HIGHVIEW DR APPLE VALLE MN 55124 Primary SFR
22376784 DILLARD, WILLIAM 521 81ST STREET BURR RIDGE IL 60521 Primary SFR
22376909 HOGGARD, DOUGLAS 84 CLUBHOUSE ROA BRECKENRIDG CO 80424 Secondary SFR
22377451 JOHNSON, DAVID 2796 BERKELEY DRIV BIRMINGHAM AL 35242 Primary PUD
22377683 HOWE, DENNIS 18247 MAINSAIL POIN CORNELIUS NC 28031 Primary PUD
22377923 DYKEN, JASON 8490 BAYVIEW DRIVE FOLEY AL 36535 Primary PUD
22378038 NIELSEN, EDWARD 365 TRINITY LN OAK BROOK IL 60523 Primary SFR
22378079 STRUVE, CRAIG 170 CHAROLAIS CIR EDWARDS CO 81632 Primary SFR
22378210 MCFADDEN, THOMAS 1734 HUNTERS RUN NEW BRAUNFE TX 78132 Primary SFR
22378251 DIXON, ROBERT 1539 LAKE STREET WILMETTE IL 60091 Primary SFR
22378384 POLANSKY, ROBERT 6627 CARRIAGE WAY LONG GROVE IL 60047 Primary SFR
22378459 SICILIAN, JAMES 59 BERWYN RD WEST HARTFO CT 6107 Primary SFR
22378582 MITCHELL, RICHARD 1706 WILMINGTON IS SAVANNAH GA 31410 Primary SFR
22378608 SMITH, CHARLES 2118 ELMWOOD AVENU WILMETTE IL 60091 Primary SFR
22378624 ULITSKY, MARK 830 PULINSKY ROAD NORTHAMPTON PA 18974 Primary SFR
22378814 GIBSON, DONALD 28520 BRUSH CANYON YORBA LINDA CA 92887 Primary SFR
22378913 KIM, GORDON 4036 CARMEL BROOKS SAN DIEGO CA 92130 Primary SFR
22379135 COCHRAN, KENDALL 64 EAST 73RD STREE INDIANAPOLI IN 46260 Primary SFR
22379432 CURRENT, WILLIAM 7234 S RICHFIELD ST FOXFIELD CO 80016 Primary SFR
22379598 YERGEAU, GLEN 64 BLOSSOM ROAD WINDHAM NH 3087 Primary SFR
22379713 SIMPSON, RONNIE 2223 FLAGSTICK DR MATTHEWS NC 28105 Primary SFR
22380042 GRAHAM, DOUGLAS 1203 FALLS CREEK LAN NEW ALBANY IN 47150 Primary SFR
22380331 CHU, THOMAS 1550 MASSEY MANOR LA MEMPHIS TN 38120 Primary PUD
22380372 COMELLA, J 3244 POINTE HILL COV MEMPHIS TN 38125 Primary PUD
22380380 HALL, JAMES 635 MAPLE WILMETTE IL 60091 Primary SFR
22380398 KOLOSEIKE, MARK 9327 S BALA DR TEMPE AZ 85284 Primary SFR
22380406 RABE, BRIAN 5124 LOCUST STREET HOUSTON TX 77401 Primary SFR
22380455 MICCO, ALAN 1368 NOTRE DAME DR LEMONT IL 60439 Primary SFR
22380687 HAVENSTEIN, GLEN 1807 WROXTON ROAD HOUSTON TX 77005 Primary SFR
22380869 ELLIS, CHARLES 102 CANYON ROAD BLAINE COUN ID 83333 Primary SFR
22381008 HUNT, SCOTT 2222 W KENSINGTON PARK WEST JORDAN UT 84088 Primary SFR
22381628 BILLS, DONALD 7420 S HOUSTOUN LITTLETON CO 80120 Primary PUD
22381685 SCHMIDLEIN, JEFFREY 2046 HAVERFORD DRI CROWNSVILLE MD 21032 Primary SFR
22381826 BARISH, DANIEL 2774 OAKTON PLANTA VIENNA VA 22181 Primary PUD
22382113 MCGRATH, DOUG 208 GREENSIDE COURT SIMPSONVILL SC 29681 Primary PUD
22382162 BILSKY, STEVEN 1533 W MASSEY POINTE MEMPHIS TN 38120 Primary PUD
22382758 KOCIAK, JEFFREY 486 S KENILWORTH ELMHURST IL 60126 Primary SFR
22383103 JOHNSON III, BEN 2931 REDMONT PARK BIRMINGHAM AL 35205 Primary SFR
22383293 WALTON, KENNETH 1481 RIVER OAKS DR JACKSONS GA AL 36861 Primary SFR
22383681 REID, IAIN 130 BARES RUN DRI LOVELAND OH 45140 Primary PUD
22383749 MORGAN, BENJAMIN 1225 KNOX VALLEY DRI BRENTWOOD TN 37027 Primary SFR
22384002 MEDUNA, MATTHEW 9217 WOODLAKE DRIV ROWLETT TX 75088 Primary SFR
22384044 ISAACSOHN, ROBIN 12784 CALLE DE LA S SAN DIEGO CA 92130 Primary SFR
22384630 HARRIS, JAMES 17627 CEDAR CREEK C DALLAS TX 75252 Primary SFR
22384705 FONASH, RICHARD 901 DOLPHIN DRIVE MALVERN PA 19355 Primary PUD
22384747 MCLEAN, JEAN 110 WEST STREET BEVERLY MA 1915 Primary SFR
22384754 ZURALES, CHRIS 753 SAYLOR AVE ELMHURST IL 60126 Primary SFR
22384796 KESSLER, ALEC 1844 GRIST STONE C ATLANTA GA 30307 Primary PUD
22384846 HAMBOURGER, DAVID 2518 RIDGEWAY AVE EVANSTON IL 60201 Primary SFR
22384887 DIVVELA, JAGANNADHARA 60 REGAL PLACE GROSS POINT MI 48236 Primary SFR
22385116 GOULD JR, MARK 239 RUMSON ROAD ATLANTA GA 30305 Primary SFR
22385389 SARNO, ALYCE 12995 HARRINGTON DR ALPHARETTA GA 30004 Primary SFR
22385678 SHAEFFER, MATTHEW 18330 ERIN BAY EDEN PRAIRI MN 55347 Primary PUD
22385728 UMANSKY, SAMUIL 6034 MONTEREY AVE RICHMOND CA 94805 Primary SFR
22385850 WILSON, JAMES 121 COMMONWEALTH SAN FRANSIS CA 94118 Primary SFR
22386023 DEGIROLAMO, HARRY 554 BLACKHAWK CLU DANVILLE CA 94506 Primary SFR
22386197 SEXSON, RICHARD 5975 SHADOWBROOK D BETTENDORF IA 52722 Primary SFR
22386627 SURA THOMSON, WENDY 4250 EWELL COURT WEST BLOOMF MI 48302 Primary SFR
22386809 FINN, ROBERT 250 KNOX PARK RD LAKE ZURICH IL 60047 Primary SFR
22386858 SCOTTJR, ROBERT 2910 ACACIA CT N BUFFALO GRO IL 60089 Primary SFR
22386940 HEAVENER, CHARLES 2511 FOXBORO CT NAPERVILLE IL 60564 Primary SFR
22387013 CHEN, ALPHONSUS 3 EASTON COURT ORINDA CA 94563 Primary PUD
22387336 HOWL, JOHN 16372 E IDA AVE AURORA CO 80015 Primary PUD
22387526 KEIM, CARON 2585 ASPEN SPRI PARK CITY UT 84060 Primary SFR
22387534 SEGAL, SYLVAIN 9506 KANDACE DR NW ALBUQUERQUE NM 87114 Primary SFR
22387559 DAY, BRUCE 3603 S AGAVE WAY CHANDLER AZ 85248 Primary PUD
22387716 NELSON, JAMES 1377 URBAN DRIVE DARIEN IL 60561 Primary SFR
22388243 GUDENKAUF, JOHN 5109 W 116TH STREET LEAWOOD KS 66211 Primary PUD
22388292 DEAN, ELEANOR 17950 FLYING CLOUD EDEN PRARIE MN 55347 Primary SFR
22388300 BENNET, THOMAS 16436 NE122ND STREET REDMOND WA 98052 Primary SFR
22388383 MIDGLEY, TIMOTHY 7544 W 90TH STREET LOS ANGELES CA 90045 Primary SFR
22388433 MORRIS, FREDRICK 5524 MIRROR LAKE D EDINA MN 55346 Primary SFR
22388458 DEAGLE, MICHAEL 713 FORDS LANDIN ALEXANDRIA VA 22314 Primary PUD
22388987 WARLOW III, JOHN 24 SAN ISIDRO SAN ANTONIO TX 78261 Primary PUD
22389100 KILBOURNE, DAVID 5228 MCCORMICK MT AUSTIN TX 78734 Primary PUD
22389209 HYDINGER JR, E 4016 OLD LEEDS RID BIRMINGHAM AL 35213 Primary SFR
22389407 LANDIS, JEFFREY 3506 MCKINLEY ST NW WASHINGT DC 20015 Primary SFR
22389415 GRECO, VINCENT 9020 BRICKYARD ROA POTOMAC MD 20854 Primary SFR
22389589 ILYASOV, YAKOV 45859 LATHUM DR NOVI MI 48374 Primary SFR
22389985 CREAGAN, JAMES 1979 LAKEPORT WAY RESTON VA 20191 Investor SFR
22390116 WALSH, JAMES 15812 LAUGHLIN LN SILVER SPRI MD 20906 Primary SFR
22390207 JACKSON, DOLORES 100 SADDLE LAKE D ALABASTER AL 35007 Primary SFR
22390314 HOLMES, ROBERT 2300 TWELVE OAKS DDI BIRMINGHAM AL 35244 Primary PUD
22390348 MANGANO, FRED 5101 ALDERMAN LANE CHARLOTTE NC 28277 Primary SFR
22390603 PESIK, NICKI 566 ORME CIRCLE ATLANTA GA 30306 Primary SFR
22390678 DIAZ MD, PETER 943 GATEWOOD COUR ATLANTA GA 30327 Primary SFR
22390694 COOK, JOHN 21 CHEYENNE MTN COLORADO SP CO 80906 Primary SFR
22390728 MALMAN, ROBERT 3021 E 7TH AVE DENVER CO 80206 Primary SFR
22390751 ALLEN II, HERBERT 1802 BEECHWOOD AVE NASHVILLE TN 37212 Primary SFR
22390843 WHITEFORD, SCOTT 10600 PERSIMMON CT LAUREL MD 20723 Primary SFR
22390918 BUSHFIELD, JOHN 1792 WILSHIRE LANE DECATUR GA 30033 Primary SFR
22391148 MOREHOUSE, BRENT 5931 MELETIO LANE DALLAS TX 75230 Primary SFR
22391171 SWANN, B 9661 E ARBOR PL ENGLEWOOD CO 80111 Primary PUD
22391221 ALTMAN, GEOFFREY 15405 HARROW LANE POWAY CA 92064 Primary SFR
22391692 BECK, GARY 2409 SWEETBRUSH DR AUSTIN TX 78703 Primary SFR
22391742 SAMMONS, LEE 825 NAPA LANE AURORA IL 60504 Primary SFR
22391817 WOO, LILLIAN 1504 E 31ST STREET BRYAN TX 77802 Primary SFR
22391924 RITCHEY, PETER 21 RIDGEVIEW AVE DARIEN CT 6820 Primary SFR
22392187 LAMKINS, STEVEN 1403 WOODBINE STRE ARLINGTON TX 76012 Primary SFR
22392542 CONNERY, BROOK 4416N SNYDERS WAY PARK CITY UT 84098 Primary SFR
22392898 KAUFMAN, MONTE 345 MAIN ST WINCHESTER MA 1890 Primary SFR
22393128 CAMPANARO, GREGORY 16 HALBRIGHT CT TIMONIUM MD 21093 Primary PUD
22393169 HANLEY, RICHARD 19 EXMOOR TOLEDO OH 43615 Primary SFR
22393409 KISH, JOHN 6 HAMPTON ROAD LEXINGTON MA 2421 Primary SFR
22393417 PORTNOY, JEFFREY 120 MCCOY RD SAN RAFAEL CA 94901 Primary SFR
22393474 BOLDS JR, RICHARD 60 DEER PARK AVE SAN RAFAEL CA 94901 Primary SFR
22393508 SHIPKOWITZ, VICKI 345 BANKS STREET SAN FRANCIS CA 94110 Primary SFR
22393532 HERMANEK, FRANK 6520 EAST BEND ROAD BURLINGTON KY 41005 Primary SFR
22393706 BUTO, DAVID 1505 CIRCLE DRIVE ANNAPOLIS MD 21401 Primary SFR
22394175 MABBUN, PABLO 2215 DELORE DRIVE MCHENRY IL 60050 Primary SFR
22394407 SKIBINSKI, THOMAS 29 CHIPPEWA COUR OSWEGO IL 60543 Primary SFR
22394449 JENSEN, GERALD R-13 LAKE LOTAWA MO 64086 Primary PUD
22394530 SCHLUETER, ROBERT 306 HAYS HILL DRIVE FENTON MO 63026 Primary SFR
22394555 ANDERSON, JOHN 2809 HILLSCOURTE SOU ROSEVILLE MN 55113 Primary SFR
22394571 MILLER, ALAN 1343 DASHER LANE RESTON VA 20190 Primary PUD
22394605 MORAVEK, MILTON 15148 MOHAWK CIRCLE LEAWOOD KS 66224 Primary PUD
22394647 ANDERSON, KENNETH 2705 CEPA UNO SAN CLEMENT CA 92673 Primary SFR
22395057 GREENBERG, MICHAEL 5853 TEAL LANE LONG GROVE IL 60047 Primary PUD
22395263 TAYLOR, LAWRENCE 1525 FARGO BLVD GENEVA IL 60134 Primary SFR
22395438 MURFEY, ALEXANDER 11211 TECUMSEH LANE INDIAN HEAD IL 60525 Primary SFR
22395594 CHAPPELL, RONNIE 142 HUNTINGDON PL BIRMINGHAM AL 35242 Primary PUD
22395743 SILVETTI, TIMOTHY 6631 CARRIAGE WAY LONG GROVE IL 60047 Primary SFR
22395974 KINSELJR, JOE 11976 BROOKS ROAD BEAUMONT TX 77713 Primary SFR
22396352 OLLER, G 4017 CHARRING CROS BIRMINGHAM AL 35226 Primary SFR
22396469 OLSON, NORMAN 11250 RIDGERIM TRAI PORT ORCHAR WA 98367 Primary SFR
22396592 ZUBIK, JOHN 13221 W HIDDEN VALLEY LOCKPORT IL 60441 Primary SFR
22396618 FITZGERALD, RICHARD 811 LAKELAND SCHAUMBURG IL 60173 Primary SFR
22396626 GRAINGE, DANIEL 1626 S NORBURY LOMBARD IL 60148 Primary PUD
22396733 NOOJIN, JANICE 38 STONEHURST GR BIRMINGHAM AL 35213 Primary SFR
22397004 WEST, ANDREW 575 BARBERRY LANE LOUISVILLE KY 40206 Primary SFR
22397053 CARLIN, HUGH 599 HILLSIDE AVE GLEN ELLYN IL 60137 Primary SFR
22397129 VASATA, JOAN RT 3 BOX 265 C ELKIN NC 28621 Primary SFR
22397244 WOLZ, WILLIAM 610S STONE AVE LAGRANGE IL 60525 Primary SFR
22397368 CHADWICK JR, RAYMOND 411 RED BIRCH RD MILLERSVILL MD 21108 Primary SFR
22397418 KEENAN, CHRISTOPHER 4213 N RIDGE AVE ARLINGTON H IL 60004 Primary SFR
22397541 OBORA, BRIAN 2547 DEWES LN NAPERVILLE IL 60564 Primary SFR
22397657 HALLENBECK, RONALD 331 RIDGE LANE LAKE ON THE IL 60102 Primary SFR
22397715 SHIELDS, CHRISTOPHER 6305 SUNSHINE CANY BOULDER CO 80302 Primary SFR
22397848 LAPUTKA, JOHN 11207 SILVER TREE P COLUMBIA MD 21044 Primary SFR
22397871 ROSENBERG, ROBERT 6425 GOLDLEAF DR BETHESDA MD 20817 Primary SFR
22397970 MARCHUK, DANIEL 429 MAPLE STREET WINNETKA IL 60093 Primary SFR
22398085 PITCHER, MARY 1666 VALOR RIDGE D KENNESAW GA 30144 Primary PUD
22398242 BENSON, JOSEPH 1123 BIRCH LANE WESTERN SPR IL 60558 Primary SFR
22398408 SHEEHY, KARLA 4490 DUNKIRK LANE PLYMOUTH MN 55446 Primary SFR
22398416 STEWART, CHARLES 1293 W QUAIL HOLLOW PALATINE IL 60067 Primary PUD
22398473 SIMMS, JOHN 14 DELLWOOD CT COCKEYSVILL MD 21030 Primary SFR
22398622 BOTES, CHARLES 2218 CAERNARFON LA MATTHEWS NC 28105 Primary PUD
22398804 KARNITIS, VJOSEPH 25759 EDINBOROUGH C PERRYSBURG OH 43551 Primary PUD
22398853 WEST, LORI 4016 SHANDWICK LAN BIRMINGHAM AL 35242 Primary SFR
22398903 DEITERS III, GARY 10124 E GROUNDCHERRY SCOTTSDALE AZ 85262 Primary SFR
22398945 GORMAN, JAMES 331 WINDSOR DRIVE ARLINGTON H IL 60004 Primary SFR
22399125 SYMINGTON JR, GAREY 18034 TAMARACK DRIV MINNETONKA MN 55345 Primary SFR
22399166 HANNINGS, JACK 3016 GOLF CREST LA WOODSTOCK GA 30189 Primary PUD
22399299 SEITCHIK, MATTHEW 536 OLIVIA WAY LAFAYETTE H PA 19444 Primary SFR
22399349 MOSELEY, WYATT 3230 MUNSEY CT CUMMING GA 30041 Primary PUD
22399596 PECKHAM, LOUISE 4510 NORMANDY ROAD MEMPHIS TN 38117 Primary PUD
22399844 WREAKS, BYRON 2318 PRICE WAY SAN JOSE CA 95124 Primary PUD
22399851 ZEKERT, JOHN 10278 SHAWNS GROVE MECHANICSVI VA 23116 Primary PUD
22399943 HEARD, LAWRENCE 3773 PLUMB ST HOUSTON TX 77005 Primary SFR
22400089 SPURNEY, JACK 8188 LAKE BLUFF CT COLUMBUS OH 43235 Primary SFR
22400261 HIGGINS, PERI 85 OVERHILL ROAD BALA CYNWYD PA 19004 Primary SFR
22401061 KOLLEVOLL JR, OLAV 2908 32ND ST NW WASHINGTON DC 20008 Primary SFR
22401111 ATWOOD JR, FREDERIC 5309 WORTHINGTON D BETHESDA MD 20816 Primary SFR
22401418 DIXON, KELVIN 16 WINDWARD COUR COLLEGEVILL PA 19426 Primary SFR
22401475 MILLER, KENNETH 7196 HAVENWOOD DR CASTLE ROCK CO 80104 Primary PUD
22401533 GEHL, LARRY 1825 CONCORDIA STR ORONO MN 55391 Primary SFR
22401640 DENISI, ANGELO 6023 AUGUSTA CIRCL COLLEGE STA TX 77845 Primary SFR
22401665 RUSSELL, CARL 5307 TIMBER PARK D FLOWER MOUN TX 75028 Primary PUD
22401731 KELLY, TIMOTHY 5608 2ND STREET S. ARLINGTON VA 22204 Primary SFR
22401988 WAGNER, JOHN 1524 AUSTIN LANE BELLINGHAM WA 98226 Primary SFR
22402333 BRANDENBURG, MARK 2650 BURDEN CREEK CHARLESTON SC 29455 Primary SFR
22402614 THOMPSON, ASHLEY 2280 EAST 138TH AV BRIGHTON CO 80601 Primary SFR
22402697 HOTTMAN, ROBERT 7761 S WINDEMERE STR LITTLETON CO 80120 Primary SFR
22402713 WILLIAMS, GARY 7307 GREENFIELD ST RIVER FORES IL 60305 Primary SFR
22403158 TSE, DANY 16424 NE40TH AVENUE VANCOUVER WA 98686 Primary SFR
22403323 WILLOUGHBY, JAMES 5409 BURWASH COURT CHARLOTTE NC 28277 Primary PUD
22403950 CESARIO II, LOUIS 334 CLARE DRIVE BLOOMINGDAL IL 60108 Primary SFR
22404115 HARRIS, CHARLES 3213 W 1100 NORTH MARKLE IN 46783 Primary PUD
22404412 BERGER, KURT 963 OVERTON LEA ROA NASHVILLE TN 37220 Primary SFR
22404990 PAASCHE, MICHAEL 475 LITTLE SILVER LITTLE SILV NJ 7739 Primary SFR
22405146 REAVILL, BRUCE 13849 GUILD AVENUE APPLE VALLE MN 55124 Primary SFR
22405179 HIGGINS, MICHAEL 2517 TALIA LANE NORTHBROOK IL 60062 Primary SFR
22405211 BERNDSEN, BARRY 2960 BETH LN NAPERVILLE IL 60564 Primary PUD
22405229 HECKSCHER II, MAURICE 828 GATEMORE ROAD BRYN MAWR PA 19010 Primary SFR
22405724 HENRY, DAVID 20 CLIFFDALE DR LITTLE ROCK AR 72223 Primary SFR
22405757 HOWARD, MOLLY 11 BARTOW POINT SAVANNAH GA 31404 Primary PUD
22406243 GORDMAN, NELSON 718 WEST HALLAM ASPEN CO 81611 Secondary Condo
22406383 TAMULEVICH, CARL 220 A S CHERRY GROVE ANNAPOLIS MD 21401 Primary SFR
22406524 FLEISCHMAN, MARC 3844 LINCOLN RD SANTA BARBA CA 93110 Primary SFR
22406573 MESERVE, DAVID 24 TEHIAS RD RYE NH 3870 Primary SFR
22406672 EAST, JAMES 24 HICKORY CREEK D LITTLE ROCK AR 72212 Primary PUD
22406680 NICOSIA, ANTHONY 202 ASHTON DRIVE BURR RIDGE IL 60521 Primary SFR
22406730 HAGADORN JR, CHARLES 7310 NW89TH AVENUE GIG HARBOR WA 98335 Primary SFR
22406961 BRAHIN, JOSEPH 4620 FAIRFAX AVE PALATINE IL 60067 Primary SFR
22407159 GODFREY, JAMES 2117 CHRISTINA COV BIRMINGHAM AL 35244 Primary PUD
22407514 SPINNER, STANLEY 4716 WILLOW ST BELLAIRE TX 77401 Primary SFR
22407563 GAUDET, JOHN 4111 WYCLIFF AVENU DALLAS TX 75219 Primary SFR
22407688 FRANZEN, GAYLE 301W ARBORETUM CIR WHEATON IL 60187 Primary SFR
22409791 WEBB, ROGER 1409 CANDINAL LANE BURKBURNETT TX 76354 Primary SFR
22410005 GROESBECK, GARY 4955 CONCANNON COU SAN DIEGO CA 92130 Primary SFR
22410179 BRENEMAN, BRUCE 1510 RANCHO SERENA RANCHO SAN CA 92067 Primary PUD
22410385 STALKER, CLARK 330 ANTHONY ST GLEN ELLYN IL 60137 Primary SFR
22411656 IANNATUONO, BRUCE 282 LIONS WATCH D PASADENA MD 21122 Primary SFR
22412068 GARRITY, CHARLES 35 FAIRBANKS AVE WELLESLEY MA 2482 Primary SFR
22412092 LIPTON, FRED 23 FOREST STREET NEWTON MA 2461 Primary SFR
22412316 DEFEO JR, MORRIS 721 FORDS LANDING ALEXANDRIA VA 22314 Primary SFR
22412399 GAROFALO, GARY 2818 HUNT VALLEY D GLENWOOD MD 21738 Primary PUD
22412464 DOAN, ERIC 2155 MISSOURI STRE SAN DIEGO CA 92109 Primary SFR
22412548 SMITH, NEWTON 3624 POTOMAC AVE HIGHLAND PA TX 75205 Primary SFR
22412670 LUNDBERG, LEONARD 15140 ARBOR DRIVE ORLAND PARK IL 60462 Primary SFR
22413504 HART, STEPHEN 218 RIVERWOODS DRIV NEW HOPE PA 18938 Primary PUD
22413793 TURLIK, MARK 12126 MERRICKS CT MONORVIA MD 21770 Primary SFR
22414130 HUGGINS, PETER 256 ILLINOIS ELMHURST IL 60126 Primary SFR
22414189 PICKENS III, HAROLD 22 LAWSON WAY GREENVILLE SC 29605 Primary SFR
22414205 ALBARES, ROBERT 380 BEACHSIDE DRIVE PANAMA CITY FL 32408 Secondary PUD
22414288 FERGUSON, DAVID 10208 WILDBRACKEN C CHARLOTTE NC 28210 Primary SFR
22415079 CRIPPIN, JEFFREY 6139 MEADOW ROAD DALLAS TX 75230 Primary PUD
22415160 MAZIASZ, TIMOTHY 1817 HEATHER CT NORTHBROOK IL 60062 Primary SFR
22415178 MARTIN, SCOTT 1441 N CLEVELAND AVE CHICAGO IL 60610 Primary SFR
22415392 DYKMAN, BRIAN 6843 RASPBERRY RUN LITTLETON CO 80125 Primary SFR
22416077 STIEGMANN, ERIC 15503 VINE COTTAGE CENTERVILLE VA 20120 Primary PUD
22416093 TRAVER, ANTHONY 109 ADDINGTONS WILLIAMSBUR VA 23188 Primary PUD
22416416 WOJNO, RANDY 1021 CRESTMOOR DR BOULDER CO 80303 Primary SFR
22416440 SHOTT, DAVID 4065 LOVING DR DUNKIRK MD 20754 Primary PUD
22416457 WIELEPSKI, DENNIS 201 SPRINGDALE AV SEVERNA PAR MD 21146 Primary SFR
22416473 MORALES, HERNANDO 1465 HARVELL DRIVE BATAVIA IL 60510 Primary SFR
22416663 ANFINRUD, PHILIP 500 WATKINS POND ROCKVILLE MD 20850 Primary PUD
22416796 FROST, JACK 8636 MISSION RD MISSION KS 66206 Primary SFR
22417166 FAIRFAX, TODD 6735 SOUTH OLYMPUS EVERGREEN CO 80439 Primary PUD
22417257 SAMMONS JR, DONALD 1860 KILBIRNIE DRIVE GERMANTOWN TN 38139 Primary SFR
22417380 GOBER, JOHN 1202 SAND TRAP COU CHESAPEAKE VA 23320 Primary PUD
22417612 HURRELBRINK, RICHARD 20365 LINDEN ROAD DEEPHAVEN MN 55331 Primary SFR
22417620 BIATHROW, MARY 3914 STRATFORD COU RALEIGH NC 27609 Primary SFR
22417737 BUHRMANN, SCOTT 3310 HYDRA DR COLORADO SP CO 80906 Primary SFR
22418727 REIDEL, NATHANIEL 495 FAR HILL ROAD WAYZATA MN 55391 Primary SFR
22418925 TREACY JR, RAYMOND 5911 CRANSTON RD BETHESDA MD 20816 Primary SFR
22418958 ZORN, ADRIAN 2655 132ND COURT W ROSEMOUNT MN 55068 Primary SFR
22419980 OSBORNE, MICHAEL 1074 W 125TH DR WESTMINSTER CO 80234 Primary PUD
22420137 OCONNER, BRIAN 865 ROBERTSON ROAD TAYLOR MILL KY 41015 Primary SFR
22420210 MIRKIN, ANDREW 5236 EL CARRO LANE CARPINTERIA CA 93013 Primary SFR
22420251 REILLY, MARK 91 FULLER ROAD NORTH ANDOV MA 1845 Primary SFR
22420269 BARTH, STEVEN 1480 GANTT ROAD ALPHARETTA GA 30004 Primary SFR
22420376 SPARKS, BRIAN 9014 GLENALDEN DRIVE GERMANTOWN TN 38138 Primary SFR
22420384 HUNTER, WILLIAM 10333 N 101ST ST SCOTTSDALE AZ 85258 Primary SFR
22420798 RAFSON, JOSEPH 1852 DALE AVENUE HIGHLAND PA IL 60035 Primary SFR
22421259 FUNK, GLEN 4214 FRANKLIN RD NASHVILLE TN 37204 Primary SFR
22421531 MCAULIFFE, DENNIS 1915 FOX HUNT CT DUNKIRK MD 20754 Primary SFR
22421960 SCHMIDTKE JR, RAYMOND 24647 SE44TH STREET ISSAQUAH WA 98029 Primary SFR
22421986 DOWD III, GERARD 909 VESTAVIA WOOD RALEIGH NC 27615 Primary SFR
22422141 MORRIS, STEVEN 11900 OLD GATE PLAC ROCKVILLE MD 20852 Primary SFR
22422174 GOSS, N 27669 WAKEFIELD LAN EASTON MD 21601 Primary SFR
22422463 ROE JR, EDWARD 502 TULIP ROAD ANNAPOLIS MD 21403 Primary SFR
22422760 BUCKERT, PAUL 8205 WALKER ROAD KNOXVILLE TN 37938 Primary SFR
22422927 SCHAITMAN, LEONARD 7206 DENTON RD BETHESDA MD 20814 Primary SFR
22423743 EARLY, JUBAL 2138 ROSWELL AVE CHARLOTTE NC 28207 Primary SFR
22423909 MAATMAN, GERALD 100 GIRARD AVE WILMETTE IL 60091 Primary SFR
22424402 REEVES, RONALD 2547 S PRESTWICK LAN EVERGREEN CO 80439 Primary PUD
22424436 POMERANTZ, MICHAEL 1508 LATCHSTRING L LOWER GWYNE PA 19437 Primary SFR
22424469 PUSKOOR, SATISH 6273 S BOSTON CT ENGLEWOOD CO 80111 Primary PUD
22424477 MATTICH, JEFF 3908 ARBOR VISTA D PLANO TX 75093 Primary SFR
22424600 LE, DUNG 2996 PENMAN TUSTIN CA 92782 Primary PUD
22424857 WILDER, ROBERT 11640 E PARADISE DR SCOTTSDALE AZ 85259 Primary SFR
22425516 POLLARD III, WILLIAM 1446 RUGBY ROAD CHARLOTTESV VA 22903 Primary SFR
22425755 LONDO, TIMOTHY 4705 YUMA LANE NOR PLYMOUTH MN 55447 Primary SFR
22426597 BERTA, PETER 1722 CAMP CRAFT RD AUSTIN TX 78746 Primary PUD
22426795 MESSINA, MICHAEL 54146 ALGONQUIN DRI SHELBY MI 48315 Primary SFR
22426803 BOGGESS, JOHN 603 STONEBURY DRI SOUTHLAKE TX 76092 Primary PUD
22427025 NOLTE, PATRICK 7606 DAVIS FIELD L SPRINGFIELD VA 22153 Primary SFR
22427405 MACRAE, JAMES 2123 CYPRESS ST PHILADELPHI PA 19103 Primary SFR
22427421 SHACKLETT III, JAMES 27 FLAMINGO DRIV AVALON NJ 8202 Primary SFR
22427660 BURNETT, JOEL 708 LAGO CIRCLE KNOXVILLE TN 37922 Primary SFR
22427686 DOYLE, MICHAEL 12601 GREENBRIAR RD POTOMAC MD 20854 Primary SFR
22427801 MCCLURG, CORDON 6770 WESTWOODS CIR ARVADA CO 80007 Primary SFR
22428148 VAN DOREN, JOHN 34 DROMARA ROAD LADUE MO 63124 Primary PUD
22428411 FITZGERALD, ANDREW 8932 CHERBOURG DR POTOMAC MD 20854 Primary SFR
22428494 MORTON, KATHLEEN 5113 ROWEN OAK ROAD COLLIERVILL TN 38017 Primary SFR
22429179 PROVINE, BEVERLY 102 STELLAR LN SNOWMASS VI CO 81615 Primary SFR
22429286 RAJADHYAKSHA, PRATAP 8616 ALBURY COURT POWELL OH 43065 Primary SFR
22429989 NIDHARY, EMMANUEL 10707 FOURNIER DR FAIRFAX STA VA 22039 Primary SFR
22431852 SMITH, MICHAEL 8391 HIDDEN SPRING FRISCO TX 75034 Primary SFR
22431878 JONES, BRIAN 3036 WESTON CT BURLINGTON NC 27215 Primary SFR
22432041 CALLAHAN, RICHARD 13803 GINKGO TERRAC ROCKVILLE MD 20850 Primary PUD
22432280 RODMAN, ROY 6804 CARLYNN DRIVE BETHESDA MD 20852 Primary SFR
22432355 CAMBRON, GEORGE 2105 ARNOLD PALMER LOUISVILLE KY 40245 Primary SFR
22432389 NIKLOWITZ, HANS 6809 LENWOOD WAY SAN JOSE CA 95120 Primary SFR
22432637 POWELL III, ADAM 3100 17TH STREET N ARLINGTON VA 22201 Primary SFR
22432652 WILSON, MICHAEL 8188 EVEREST LANE MAPLE GROVE MN 55311 Primary SFR
22432678 MARAVETZ, GLENN 43307 BUTTERFIELD C ASHBURN VA 20147 Primary PUD
22432702 CARR JR, THOMAS 9604 LARKVIEW COUR FAIRFAX STA VA 22039 Primary SFR
22433023 MILLER, EDWARD 3752 SEADLER ST PORTLAND OR 97214 Primary SFR
22433130 CASTLEBERRY, STUART 2330 KINGS TRAIL KINGWOOD TX 77339 Primary PUD
22433155 ESPOSITO, PAT 21307 GINGER LANE FRANKFORT IL 60423 Primary SFR
22433395 BURMEIER, LARRY 4104 LAKEWAY BOULE AUSTIN TX 78734 Primary SFR
22433486 LAW, WENDELL 1340 AMUNDSON PLACE STILLWATER MN 55082 Primary SFR
22433817 PLANCHARD, ROBERT 2485 AGATE LANE BOULDER CO 80304 Primary SFR
22434146 BROMELKAMP, DAVID 4705 FREMONT AVENU MINNEAPOLIS MN 55409 Primary SFR
22436091 MCGLASSON, ROBERT 1024 CLAIRMONT AVE DECATUR GA 30030 Primary SFR
22436364 ROBINSON, BRUCE 9203 RANCHO HILLS GILROY CA 95020 Primary SFR
22436661 HUSTED, ROBERT 2571 COUNTRY CLUB WESTMINSTER CO 80234 Primary SFR
22436802 HOLDER, LARRY 10204 SAUSALITO DR AUSTIN TX 78759 Primary SFR
22437909 SZWEDA, JOHN 3 EASTBROOK RD HARRINGTON NJ 7640 Primary SFR
22439608 RYAN, SCOTT 210 WINTERBERRY L COLLEGEVILL PA 19426 Primary SFR
22439756 DUNLAP, JOHN 6 APPLE ORCHARD DELLWOOD MN 55110 Primary SFR
22440440 BROOKSBY, N 3001 BARBERRY LANE SACREMENTO CA 95864 Primary SFR
22440465 JONES, V 2761 RIVERWOOD LN MARIETTA GA 30062 Primary SFR
22440515 WELLS, JACK 5890 N ECHO CANYON PHOENIX AZ 85018 Primary SFR
22440655 BERRY, JOHN 1081 GREEN RD ANN ARBOR MI 48105 Primary SFR
22440911 REAVIS, DARYL 2109 E KALER DR PHOENIX AZ 85020 Primary SFR
22440960 MYERS, PAUL 4220 COUNTRY BROOK DALLAS TX 75252 Primary SFR
22442230 ALLEN, JOHN 29372 CAMELBACK LN EVERGREEN CO 80439 Primary PUD
22442990 WIGHT, DAN 5925 MAURYS TRAIL AUSTIN TX 78730 Primary PUD
22443907 PARRY, THOMAS 4348 LAKEVIEW GLEN MONTVILLE OH 44256 Primary SFR
22445027 NALL, ANN 1601 KIRBY ROAD MCLEAN VA 22101 Investor SFR
22445662 MYERS JR, KELLY 960 GREENWAY DRIVE COLLIERVILL TN 38017 Primary SFR
22446223 TETER, BARBARA 797 MARLIN DR FRIPP ISLAN SC 29920 Secondary SFR
22446371 BRESLER, JEFFREY 185 WOODHAVEN COU AURORA OH 44202 Primary SFR
22446777 SHACKLETT III, JAMES 27 FLAMINGO DRIV AVALON NJ 8202 Secondary SFR
22447221 ACOSTA, MARIA 13328 GLENOAKS BLVD SYLMAR CA 91342 Primary SFR
22449367 LEVERING, MICHAEL 2916 28TH AVENUE W SEATTLE WA 98199 Primary SFR
22451132 PALMER, JONATHAN 21 COOLIDGE ROAD NEWTON MA 2459 Primary SFR
22452015 HOLLINGSWORTH, JANE 10320 N LEELAND LANE SYRACUSE IN 46567 Primary SFR
22452064 HUESTIS, J 12139 E COLUMBINE DRI SCOTTSDALE AZ 85259 Primary SFR
22452601 RIDENER, DWAYNE 47181 TIMBERWOOD DR PLYMOUTH TO MI 48170 Primary SFR
22453880 COVERT, PAUL 8500 CHURCHILL DOW GAITHERSBUR MD 20882 Primary SFR
22455604 JOHNSON, SANFORD 7412 FOREST RIDGE SCHERERVILL IN 46375 Primary SFR
22455711 PYLE, JOHNNY 3945 E LELAND ST MESA AZ 85215 Primary PUD
22458947 MAGUIRE, MARK 2904 BREE HILL RD OAKTON VA 22124 Primary SFR
22459291 DARMAN, JEFFREY 347 N UNION STREET KENNETT SQU PA 19348 Primary SFR
22459465 MEHRER, KURT 3001 37TH AVENUE W SEATTLE WA 98199 Primary SFR
22459481 LINETT, ROBERT 21506 SE215TH STREET MAPLE VALLE WA 98038 Primary SFR
22459937 JOSEPH, RICHARD 7305 N DIAMOND OAKS SPARKS NV 89436 Primary SFR
22459994 COHEN, WILLIAM 3713 SWADMIRAL WAY SEATTLE WA 98126 Primary SFR
22463970 HEHIR, JEFFREY 3103 DALE DRIVE ATLANTA GA 30305 Primary SFR
22464507 MCMULLIN, CREA 1004 THORNCREEK CO THORNTON CO 80241 Primary PUD
22465017 BARNEY JR, DANIEL 4810 CLARAS WALK LILBURN GA 30047 Primary PUD
22467419 RIVERA, ROBERT 20720 LAKE RIDGE DR PRIOR LAKE MN 55372 Primary SFR
22468334 RAUCH, ROBERT 107 VIA DEL CIELO SANTA BARBA CA 93109 Primary SFR
22468417 MCKILLOP, DAVID 5757 SHERIER PL NW WASHINGTON DC 20016 Primary SFR
22469019 SANFORD, TIMOTHY 1812 MONACO PARKWA DENVER CO 80220 Primary SFR
22469563 NOLAN, KEVIN 8100 DEERCREEK PLA SPRINGFIELD VA 22153 Primary PUD
22469704 BRADY, CRAIG 104 DELMAR TERRAN BIRMINGHAM AL 35213 Primary PUD
22470025 MALER, BONNIE 31 HERNANDEZ AVE SAN FRANSIS CA 94127 Primary SFR
22470736 OBRIEN, MARC 103 GRANDCREST DR SUWANEE GA 30024 Primary PUD
22471106 HARGETT, GEORGE 8884 SILVERBARK DRIV GERMANTOWN TN 38138 Primary SFR
22471171 HOOPER, JAMES 8177 SPRINGBROOK COV OLIVE BRANC MS 38654 Primary SFR
22471247 BOGATZ, LARRY 15505 HWY 133 CARBORDALE CO 81623 Secondary SFR
22471403 CREWS, KENT 2621 LUTHER LN FORT COLLIN CO 80526 Primary SFR
22473458 SHAFER, GREGORY 2654 JOYCE RIDGE DRI CHESTERFIEL MO 63017 Primary PUD
22473540 BANIK, GARY 3130 10TH STREET BOULDER CO 80304 Primary SFR
22474340 ADCOX JR, CLOYD 9301 GRIST MILL CO BRENTWOOD TN 37027 Primary PUD
22474720 SALVATO, PHILIP 795 SPRINGSIDE CO ATLANTA GA 30342 Primary SFR
22474738 MAZZA, FRANK 409 HOGANS VALLEY CARY NC 27513 Primary SFR
22474753 GARNER, LEROY 46 SUSSEX LANE HILTON HEAD SC 29926 Primary PUD
22474894 JOINER, GREGORY 2333 LINNER RD WAYZATA MN 55391 Primary SFR
22476063 KAZAN, LAWRENCE 5850 E ORANGE BLOSSO PHOENIX AZ 85018 Primary SFR
22476972 LANGHANS, BARBARA 11204 BALLENTRE LANE GLENN DALE MD 20769 Primary SFR
22477145 SCHRADER, SCOTT 12020 MILLSTONE CT CINCINNATI OH 45249 Primary PUD
22477822 RAATZ, LONNIE 3179 PREAKNESS DR AURORA IL 60504 Primary SFR
22479430 SHERWIN, MARC 145 ELLSWORTH STR COLORADO SP CO 80906 Primary SFR
22479463 PURDY, ROBERT 17906 MARY MARGARET DALLAS TX 75287 Primary SFR
22479851 FULLMER, CHARLES 2956 SUMMITOP CT MARIETTA GA 30066 Investor SFR
22479976 LEVY, LAWRENCE 462 WALES COURT COPPELL TX 75019 Primary SFR
22480016 HIGGINS, THOMAS 1557 TIMBER RIDGE DR BRENTWOOD TN 37027 Primary PUD
22480933 POWELL, DEBORAH 3120 W 68TH ST MISSION HIL KS 66208 Primary SFR
22481287 HASH, R 215 SHANDWICK PLA ALPHARETTA GA 30004 Primary PUD
22481444 GIBSON, ROBERT 1009 ROYAL BOMBAY NAPERVILLE IL 60563 Primary SFR
22481733 PARKIN, JULIE 6030 NORTHILL LOOP OLYMPIA WA 98512 Primary PUD
22482236 PUSHCHAK, MICHAEL 23 MARTIN LN CHERRY HILL CO 80110 Primary SFR
22482392 SARTAIN, JEFFREY 1062 TERRE DR LIBERTYVILL IL 60048 Primary PUD
22482988 DURHAM, MARY 13509 NE28TH COURT VANCOUVER WA 98686 Primary SFR
22483317 CREELY, ALLAN 1695 SUMMIT POINT COLORADO SP CO 80919 Primary PUD
22483374 FRYE, JEFFREY 4145 FALLS RIDGE D ALPHARETTA GA 30022 Primary SFR
22484695 TURNER, JOHN 3279 CONKLING PLACE SEATTLE WA 98119 Primary SFR
22485841 ARDEN, MITCHELL 10 N MORGAN AVE HAVERTOWN PA 19083 Primary SFR
22485957 GROSSMAN, CARY 19327 SHORES DR GALVESTON TX 77554 Secondary SFR
22486252 ADDLEMAN, KATHERINE 18089 E DORADO AVE AURORA CO 80015 Primary PUD
22486567 OWENS, WILLIAM 319 E COWAN DRIVE HOUSTON TX 77007 Primary SFR
22487334 CAGNEY, THOMAS 5339 OLDE STAGE RD BOULDER CO 80302 Primary SFR
22487417 RUSSELL, RONALD 1894 GROVEWAY DRIV GERMANTOWN TN 38139 Primary SFR
22488498 LIVELY, GERALD 2800 PRESCOTT DRIV CARROLLTON TX 75006 Primary PUD
22488506 SCHWARTZ, JOEL 18301 BLUEBELL LANE OLNEY MD 20832 Primary SFR
22489231 HAYES, MICHAEL 4840 HANGING MOSS SARASOTA FL 34238 Primary PUD
22489777 MEYER, EARL 15540 SE66TH PLACE BELLEVUE WA 98006 Primary SFR
22490445 OSBURNE, ROBERT 693 COLLIER COMMO ATLANTA GA 30318 Primary PUD
22492151 SHANNON JR, GEORGE 624 SHARTLE CIR HOUSTON TX 77024 Primary SFR
22493357 ONEILL, STEVEN 102 REVELL RD SEVERNA PAR MD 21146 Primary SFR
22493621 CHRISTIAN, BARBARA 2111 OAKLEY AVE MENLO PARK CA 94025 Primary SFR
22493712 BRADSHAW, BRIAN 9004 ASHCROFT WAY RICHMOND VA 23236 Primary SFR
22493779 PENDERGAST, MICHAEL 1314 PAVILION CLUB RESTON VA 20194 Primary SFR
22493845 LINDSAY, GEORGE 7301 CARLWOOD DRIV AUSTIN TX 78759 Primary SFR
22494454 WECHSLER, DAVID 1958 SHERIDAN ROAD BUFFALO GRO IL 60089 Primary SFR
22494462 NORRIS, MICHAEL 12897 GAGNE DR FAIRFAX VA 22030 Primary SFR
22494637 LINDGREN, JERRY 1380 WINCANTON DEERFIELD IL 60015 Primary SFR
22495477 GRANINGER, DANIEL 14837 CHESTNUT CT GLENELG MD 21737 Primary SFR
22495535 GOLDABER, KENNETH 5138 LOBELLO DR DALLAS TX 75229 Primary SFR
22497168 ROTUNNO, RICHARD 555 EUCLID AVE BOULDER CO 80302 Primary SFR
22497283 TUNG, FRANCISCA 12 CICERO LANE AUSTIN IL 78746 Primary SFR
22497598 PERIBERG, MARK 310 GREEN PARK CO ALTANTA GA 30327 Primary PUD
22500086 MCDERMOTT, MICHAEL 6711 NORTH LORON CHICAGO IL 60646 Primary SFR
22500235 HOLUB, JEFF 4802 COUNTY RD 113 GLENWOOD SP CO 81601 Primary SFR
22501225 MARTIN, JANET 7817 CITATION DR MARSHALL VA 20115 Secondary PUD
22501480 CHHIM, NANASAMUDD 6610 SCHURTZ STREE ALEXANDRIA VA 22310 Primary PUD
22501621 FANTO, STEVE 22150 N DOBSON ROAD SCOTTSDALE AZ 85255 Primary SFR
22501670 UYEMATSU, TIMOTHY 2910 SE72ND AVE MERCER ISLA WA 98040 Primary SFR
22502132 JARDINE, KERRY 3108 E OTERO CIRCLE LITTLETON CO 80122 Primary SFR
22502918 BREWER, ROBERT 2504 NORTH LANDING VA BEACH VA 23456 Primary SFR
22502991 ROSS, JAY 908 GATES DRIVE WEST CHESTE PA 19380 Primary SFR
22503288 HUGHES, JEFFREY 746 CHARINGWORTH WESTMINSTER MD 21158 Primary SFR
22503395 KAMMERUD, M 410 W SOUTH ST WORTHINGTON OH 43085 Primary SFR
22503577 MANGRUM, ERIKA 1017 WHITE CRANE W RALEIGH NC 27615 Primary PUD
22503924 LANDRY, GEORGE 1485 GRAYSTONE DRI AURORA IL 60504 Primary PUD
22505663 MILLER, MICHAEL 2024 HARRISON STRE GLENVIEW IL 60025 Primary SFR
22505788 BOLLERSLEV, TIM 1 TRAFALGAR PLA DURHAM NC 27707 Primary SFR
22505978 WILDERIII, ALTUS 2012 WOODLAND BLVD FLOWER MOUN TX 75022 Primary PUD
22506034 GRIGSBY, THOMAS 20806 SE268TH ST KENT WA 98042 Primary SFR
22506257 OLINER, WAYNE 12220 WINDING OAK T ALPHARETTA GA 30005 Primary SFR
22507222 LIEBERMAN, MARK 5067 MCGILL WAY SAN DIEGO CO 92130 Primary SFR
22507271 KROTKOV, ERIC 922 NICHOLSON RD WYNNEWOOD PA 19096 Primary SFR
22507347 HENDERSON, G 16982 SCANDIA CT NW POULSBO WA 98370 Primary SFR
22507370 VANN, ROSE 120 VICTORIA DRIV FAYETTEVILL GA 30214 Primary PUD
22507727 MCGRATH, MICHAEL 285 RED FOX ROAD STAMFORD CT 6903 Primary SFR
22507982 PEABODY, MARK 9612 215TH AVE NE REDMOND WA 98053 Primary SFR
22508378 DAVIA, RALPH 1127 E OCOTILLO CIRC CAREFREE AZ 85377 Primary PUD
22508550 THOMPSON JR, PATRICK 27330 SE FAIRMOUNT BORING OR 97009 Primary SFR
22509368 BORDES, STEPHANIE 2570 EAGLE RIDGE R LYONS CO 80540 Primary PUD
22509673 WEINSTEIN, KEITH 5 FOREST BLUFF OWINGS MILL MD 21117 Primary SFR
22509863 DE SENA, FRANK 26 WINKLE POINT NORTHPORT NY 11768 Primary SFR
22509871 CROSSMAN, JOHN 35 LOAN HOLLOW C SANDY UT 84092 Primary PUD
22510374 RAYMOND, PAUL 928 13TH AVE EAS SEATTLE WA 98102 Primary SFR
22510689 MYERS, HEATHER 4520 FAWN TRAIL LOVELAND CO 80537 Primary SFR
22510887 HAGAN, PATRICK 27 NAPLES ST SAN FRANCIS CA 94112 Primary SFR
22511125 FLANDRO, DAVID 8949 BURNING TREE FRANKTOWN CO 80116 Primary SFR
22511596 KINGSFIELD, RSCOTT 5075 MAGNOLIA BLUF ATLANTA GA 30350 Primary SFR
22511661 LACOUR, JAMES 10515 S LAUREL LANE SEATTLE WA 98178 Primary SFR
22512214 ESSIG, TED 102 WILSHIRE COURT NOBLESVILLE IN 46060 Primary SFR
22513022 JENSEN HEDEGA, KRIS 39615 AVENIDA ARIZO TEMECULA CA 92591 Primary SFR
22513485 ELLSWORTH, FRANK 254 LA MIRADA ROA PASADENA CA 91105 Primary SFR
22513964 RICH, SALLY 4716 CHESAPEAKE AV SHADY SIDE MD 20764 Primary SFR
22514590 VAUGHAN, DAVID 2134 SPRING HILL C SMYRNA GA 30080 Primary SFR
22515100 BURKE, THOMAS 4925 WESTON LANE N PLYMOUTH MN 55446 Primary SFR
22515225 ORR, DONALD 121 KNOLL ESTATES MOUNTAIN VI PA 81435 Secondary Condo
22515290 VOSS, DAVID 38 STRATTON LANE SAN ANTONIO TX 78257 Primary PUD
22516140 HAMILL, JOHN 2586 MELANIE LN NORTHBROOK IL 60062 Primary SFR
22516652 ONEAL, RODNEY 3701 MIDDLE RIVER MIDDLE RIVE MD 21220 Primary SFR
22517486 GRIMES, JOEL 17810 MARTINGALE RO MONUMENT CO 80132 Primary PUD
22517809 THOMPSON, KENNETH 4590 ARROWHEAD DR COLORADO SP CO 80908 Primary SFR
22517841 GARNETT, WESLEY 4308 WHIPPENY DR FORT COLLIN CO 80526 Primary PUD
22518963 SCHRIVER, GARY 374 LAGUNA TERR SIMI VALLEY CA 93065 Primary SFR
22519227 JONES, CHRISTOPHER 4739 86TH AVE SE MERCER ISLA WA 98040 Primary SFR
22519813 SPURLIN, SCOTT 14275 FM 2769 LEANDER TX 78641 Primary SFR
22520019 GANTER, ROBERT 39 ASPEN RIDGE L EDWARDS CO 81632 Primary PUD
22520290 PROSSER, KENNETH 4725 SANTA ROSITA SANTA ROSA CA 95405 Primary SFR
22520811 CAGLE, ALAN 14337 231ST COURT NE WOODINVILLE WA 98072 Primary SFR
22521165 BERTOLDO, MICHAEL 1476 SANTA INEZ DR SAN JOSE CA 95125 Primary SFR
22521330 VELASQUEZ, RENE 17865 COLUMBIA DR CASTRO VALL CA 94552 Primary SFR
22521959 KOSFELD, RODNEY 2416 DOUGLASS BOUL LOUISVILLE KY 40205 Primary SFR
22522155 AGGERS, KEVEN 3155 SPRING MOUTAI LOVELAND CO 80537 Primary PUD
22522254 KAMINSKI, ANTHONY 7704 STRATFIELD LN LAUREL MD 20707 Primary SFR
22522338 REYNOLDS, AARON 5975 FIELDSTONE PL MAPLE PLAIN MN 99990 Primary SFR
22522411 POCS, RICHARD 42235 GREEN MEADOW LEESBURG VA 20176 Primary PUD
22522577 FRICKEY, NORMAN 1731 AVALON DR ESTES PARK CO 80517 Primary SFR
22522775 DYSON, CRAIG 6043 EDGEWOOD TERR ALEXANDRIA VA 22307 Primary SFR
22523492 CHEEK, WILLIAM 5816 GREENWYCH DRI PLANO TX 75093 Primary SFR
22523500 PERCLE, TOD 9600 ROYAL LYTHAN PLANO TX 75025 Primary PUD
22523575 WEIMER, BRETT 1500 CUTTINGHAM CT COPPEL TX 75019 Primary PUD
22523633 PETRAUSKAS, MATTHEW 3901 VINTAGE PLACE FLOWER MOUN TX 75028 Primary SFR
22524011 COTTRELL, PRESTON 4214S HAMPTON BLVD RICHMOND VA 23225 Primary SFR
22524102 CANE, VINCENZO 18011 CLUBVIEW DRIVE BATON ROUGE LA 70810 Primary PUD
22524607 MASCARENAS, THOMAS 223 CHENEY PLACE CASTLE ROCK CO 80104 Primary PUD
22524870 DEGRAZIA, JANET 1131 CRANBROOK CT BOULDER CO 80303 Primary SFR
22525315 SHOENFELD, MARLENE 1332 FAIRYHILL ROA JENKINTOWN PA 19046 Primary SFR
22525463 OBRIEN, BARBARA 513 CLEAR SPRING BRENTWOOD TN 37027 Primary SFR
22525745 SOHAEI, HOSSEIN 823 TAMARACK DR SAN RAFAEL CA 94903 Primary SFR
22525877 HAMER, PAUL 4025 SAVANNAH CT BOULDER CO 80301 Primary PUD
22526396 GREENBERG, JOSEPH 1450 WYNKOOP STREE DENVER CO 80202 Primary PUD
22526412 BURCHARDT, DAVID 12 SCRUB OAK ALISO VIEJO CA 92656 Primary PUD
22526818 SHADA, JAMES 715 E 56TH STREET KEARNEY NE 68847 Primary SFR
22528426 ODOHERTY, J 270 SWBIRDSHILL RD PORTLAND OR 97219 Primary SFR
22528954 AYRE, MICHAEL 2162 E GAMBEL OAK DR SANDY UT 84092 Primary PUD
22529358 MARYATT, RICHARD 15712 NE95TH WAY REDMOND WA 98052 Primary SFR
22529424 CHOW, MICHAEL 662 STONELEIGH DR HOUSTON TX 77079 Primary SFR
22529531 CORDELL, LONNY 8128 LYNORES WAY PLANO TX 75205 Primary PUD
22529937 KUZELKA, KEITH 530 FORD BARTLETT IL 60103 Primary SFR
22530331 FOSSEY, PATRICIA 1914 DURHAM DR INVERNESS IL 60067 Primary SFR
22531115 FERGUSON, ALAN 3520 ACORN WOOD WA HOUSTON TX 77059 Primary PUD
22531404 BEITNES, ANDERS 102-2 BLUEBONNET LA SCOTTS VALL CA 95066 Primary SFR
22531461 DORSCH, ANTHONY 38 W 345 BURR OAK ST CHARLES IL 60175 Primary SFR
22531917 UMBERGER, SCOTT 8132 WEISS AVENUE PLANO TX 75025 Primary PUD
22532758 SILVA, DONALD 165 RIVER NORTH D ATLANTA GA 30328 Primary SFR
22533228 LIPPE, DANIEL 13606 TOSCA LANE HOUSTON TX 77079 Primary PUD
22534077 KLEES, STEPHEN 1416 GREENLAKE DRI AURORA IL 60504 Primary SFR
22534416 FRANK, JOHN 4517 BRYAN DOWNERS GRO IL 60515 Primary SFR
22534499 MILNER, JOE 5728 SAM HOUSTON C AUSTIN TX 78731 Primary SFR
22535231 OHLEY, DIRK 4230 MILLSIDE WALK SMYRNA GA 30080 Primary PUD
22537039 SALZMAN, JEFFREY 521 NOBLETREE CIR AGOURA AREA CA 91301 Primary SFR
22537096 DALTON, WILLIAM 7576 BERKSHIRE COU CASTLE ROCK CO 80104 Primary SFR
22537211 RESSLER, DANIEL 3403 GREENE COUNTR NEWTOWN SQU PA 19073 Primary SFR
22538649 RONAN, MARY 7757 GLEN EDEN LAN CINCINNATI OH 45244 Primary SFR
22539076 MURRAY, MICHAEL 5880 S GOLDSMITH ENGLEWOOD CO 80111 Primary PUD
22539712 LAKE, CHRISTOPHER 408 WILD IRIS LANE POWDER SPRI GA 30127 Primary PUD
22539993 NGUYEN, TIEN 5630 SUMMER SNOW D HOUSTON TX 77041 Primary PUD
22540934 COUSINS, THOMAS 540 COLUMBINE AVE BROOMFIELD CO 80020 Primary SFR
22541726 CHIU, YU 1073 HUNTINGDON DR SAN JOSE CA 95129 Primary SFR
22542294 MERCER, RONN 14344 231ST COURT N WOODINVILLE WA 98072 Primary SFR
22542757 MCDERMOTT, DAVID 222 VERNAL DRIVE SANTA BARBA CA 93105 Primary SFR
22543003 HARRIS, CARLTON 10100 VIEWPOINT CT FAIRFAX STA VA 22039 Primary SFR
22543458 MOKRY, ALBERT 5812 BRAEMAR DR PLANO TX 75093 Primary PUD
22543466 OWO, TOKS 3528 CASTLEGATE EAST LEXINGTON KY 40502 Primary SFR
22546568 MARTIN, PAUL 2524 FRANCES DR LOVELAND CO 80537 Primary PUD
22546576 THOMAS, RUSSELL 381 BRENTWOOD DRI ATLANTA GA 30305 Primary SFR
22546964 FREYTAG, PETER 151W OAK HILLS DR CASTLE ROCK CO 80104 Primary SFR
22546972 WILLIAMS, ROBERT 5981 S HASTINGS RD CLINTON WA 98236 Primary SFR
22548259 BRENDLER, ROBERT 11306 ROLLING HOUSE ROCKVILLE MD 20852 Primary SFR
22548580 JI, WEIMIN 2354 OLD TRAIL DRI RESTON VA 22091 Primary PUD
22548648 SCHWEPPE, DAVID 750 MEADOWOOD DR ASPEN CO 81611 Primary PUD
22548929 CHRISTIANSEN, VAN 1327 W 3900 SOUTH PLEASANT VI UT 84414 Primary SFR
22549430 OLSON, DOUGLAS 6433 N DESERT WIND C TUCSON AZ 85750 Primary PUD
22550040 BERRY, JOHN 40 WOOD LN ROCKVILLE MD 20850 Primary SFR
22550230 CHAMBLESS, ALAN 1571 SANCHEZ STREE SAN FRANCIS CA 94131 Primary SFR
22551956 CHOY, ROBERT 215 S FIRENZA WAY ORANGE CA 92869 Primary SFR
22551964 ODORNEY, MICHAEL 119 SHELTERWOOD L DANVILLE CA 94506 Primary PUD
22551980 HAY, BARRY 33774 TRAILSIDE WAY UNION CITY CA 94587 Primary SFR
22552046 OMARA, LAURENCE 1553 WOOD CREEK TR BARTLETT IL 60103 Primary SFR
22552921 POSTONSR, JOHN 3100 WESTCHESTER A COLLEGE STA TX 77845 Primary PUD
22552970 QUON, DAVID 1650 DEVONSHIRE LA LAKE FOREST IL 60045 Primary SFR
22553465 HARRISON JR, W 210 LAWN MARKET SHARPSBURG GA 30277 Primary PUD
22553549 ARNOLD, CHRISTOPHER 128 MARINERO CIR TIBURON CA 94920 Primary SFR
22557268 JONES, ROBERT 29505 GOLDEN GATE C GOLDEN CO 80403 Primary SFR
22557458 WAGNER, STEVE 15813 PIONEER HILLS DARNESTOWN MD 20874 Primary SFR
22557631 GIFFORD, TIMOTHY 5317 AUGUSTA TRAIL FORT COLLIN CO 80528 Primary PUD
22557797 BEATTY, RONALD 9483 BLUECUP PLACE LAKESIDE CA 92040 Primary SFR
22557961 FULLMAN, MARK 1846 EAGLE FARMS R CHESTER SPR PA 19425 Primary SFR
22558324 MORALES, RODOLFO 7357 GOLF CLUB DR FORT WORTH TX 76179 Primary PUD
22558571 LEAVITT, DAVID 10436 SHERWOOD MANO CLAIBORNE MD 21624 Primary SFR
22558605 CALHOUN, RON 10939 EAST LILLIAN SCOTTSDALE AZ 85259 Primary SFR
22558803 PIHL, DOUGLAS 5979 LORRAINE CT SHOREVIEW MN 55126 Primary SFR
22559561 NOTHAFT, ALFRED 1600 FOREST BEND L KELLER TX 76248 Primary PUD
22559595 ZIMMERMAN, MARK 10 INDIAN WAY MALVERN PA 19355 Primary SFR
22559611 BAKER, MICHAEL 983 APPLEBLOSSOM VILLA HILLS KY 41017 Primary SFR
22559884 PRUITT, WILLIE 200 MALONE ROAD ALLEN TX 75002 Primary SFR
22560114 BOOKER, SAMUEL 3730 CANOE LANE LOUISVILLE KY 40207 Primary SFR
22560189 HITEJR, JAMES 13421 ALFRED MILL C HERNDON VA 22071 Primary SFR
22561591 FOWLER, KENNETH 195 DOUBLE BOGEY BOULDER CRE CA 95006 Primary PUD
22561864 MILLER, JAMES 5809 SNOWBERRY DRI LITTLETON CO 80123 Primary SFR
22562110 HARRINGTONIII, EARL 6424 MANOR VIEW DR GAITHERSBUR MD 20882 Primary SFR
22562599 KRAUSE, DOUGLAS 2636 DAVOS TRAIL VAIL CO 81657 Primary SFR
22563118 KNOBBS, DALE 760 HERBGLEN CT COLORADO SP CO 80906 Primary SFR
22563514 KEANE, THOMAS 6312 DEPARTED SUNS COLUMBIA MD 21044 Primary PUD
22564280 BUYERS, WILLIAM 1380 S RACE ST DENVER CO 80210 Primary SFR
22566715 SMITH, CHRISTOPHER 5070 N CALLE LA VELA TUCSON AZ 85718 Primary SFR
22566897 HOEVENAAR, FREDERICK 2128 BASSWOOD DR LAYAYETTE H PA 19444 Primary SFR
22567507 GONZALEZ, JOE 18221N 53RD STREET PHOENIX AZ 85254 Primary PUD
22567556 BOYLE, JOSEPH 15631 SOUTH 6TH AVE PHOENIX AZ 85045 Primary PUD
22567697 DEA, MICHAEL 7777 VALLEY VIEW RD HUDSON OH 44236 Primary SFR
22567945 ANDRIS, LEON 11801 BEEKMAN PL POTOMAC MD 20854 Primary SFR
22569271 JARAMILLO, ARTHUR 22 PIUTE RD SANTA FE NM 87505 Primary SFR
22569651 HERTZ, MARCIA 297 MASON TERRACE BROOKLINE MA 2446 Primary SFR
22569818 CLARK, LEAH 1240 HAVRE LAFITTE AUSTIN TX 78476 Primary SFR
22571152 FETTERER, FLORENCE 3920 STONE CANYON LONGMONT CO 80503 Primary PUD
22571566 SINEATH, JOHN 635 ANDOVER DRIVE ATLANTA GA 30327 Primary SFR
22572549 GABANSKI, CHRISTOPHER 331 SUSSEX LN LAKE FOREST IL 60045 Primary SFR
22572887 DIFUSCO, DOUGLAS 2268 HILLSBORO LAN NAPERVILLE IL 60564 Primary SFR
22573067 JAIN, SHARAD 18232 N 52ND STREET PHOENIX AZ 85254 Primary PUD
22573166 HAYDEL, KEITH 212 HAWTHORNE HOLLO MADISONVILL LA 70447 Primary PUD
22573364 BARKER, KENT 36 HAWKS LEAP RD EDWARDS CO 81632 Primary PUD
22573380 BATIN, JOHN 14057 BALDWIN CT RANCH CUCAM CA 91739 Primary SFR
22574396 SCHLUETER, CHARLES 1400 RIDGEWOOD CIR DOWNERS GRO IL 60516 Primary SFR
22574511 MARKS, JEREMY 904 PARK DR FLOSSMOOR IL 60422 Primary SFR
22574669 HOBAN, MICHAEL 744 SWREGENCY PLACE PORTLAND OR 97225 Primary SFR
22576102 POURJAVAD, MOHAMMAD 3416 BRUSHY CREEK PLANO TX 75025 Primary PUD
22576615 ROOKIS, PAULA 924 ESSEX ROAD BIRMINGHAM AL 35222 Primary SFR
22577621 WAGNER, KARIN 7016 S SKUNK ALLEY EVERGREEN CO 80439 Primary SFR
22578181 GRANT, A 2001 BALDRIDGE ROA ENNIS TX 75119 Primary SFR
22581425 BEARDSLEE, NANCY 1400 GREENSTONE CO FORT COLLIN CO 80525 Primary PUD
22583546 TEPE, TIMOTHY 1433 W PORT AU PRINC PHOENIX AZ 85023 Primary SFR
22584080 LYNCH, MARK 5707 FOXBURY DRIVE OAKRIDGE NC 27310 Primary SFR
22585087 GLENN, JOHN 105 KORTNEY DRIVE WEATHERFORD TX 76087 Primary SFR
22585699 LEONARD, JEFFREY 201 SYCAMORE LN WALLINGFORD PA 19086 Primary SFR
22586424 CHU, HSIEN 7310 NEW WASHBURN MADISON WI 53719 Primary SFR
22586432 TYNION, ANNE 1304 E GOODRICH LANE FOX POINT WI 53217 Primary SFR
22586663 COLDEWEY, GREG 26610 ADONIS DRIVE SAN ANTONIO TX 78258 Primary PUD
22587034 AHN, JOON 5296 ANDREW DRIVE LA PALMA CA 90623 Primary SFR
22587794 SMITH, MARTIN 4333 STANDFORD DALLAS TX 75225 Primary SFR
22587844 ABRAMS, BRADFORD 5612 WOODSPRING DR PLANO TX 75093 Primary SFR
22588149 LANSVILLE, KENT 448 BRENDON CT CASTLE ROCK CO 80104 Primary PUD
22589410 TURLEY, JOHN 2033 BASELINE DR GRAND JUNCT CO 81503 Primary PUD
22589519 PACIFICI, ROBERTO 136 S PRICE RD ST LOUIS MO 63124 Primary SFR
22589949 GOODSELL, JAMES 13208 GLAD ACRES DRIV FARMERS BRA TX 75234 Primary PUD
22589964 BONK, FRANK 2908 NANCY CREEK ROA ATLANTA GA 30327 Primary SFR
22590327 SHELTON, PETER 429 BROADLAND ROA ATLANTA GA 30342 Primary SFR
22590673 HARE, ROBERT 1412 W OAK STREET FORT COLLIN CO 80521 Primary SFR
22590863 PERKINS, JUDITH 711 OUILMETTE LAN WILMETTE IL 60091 Primary SFR
22591051 KILIAN, STEVEN 11080 E HONEY MESQUIT SCOTTDALE AZ 85262 Primary SFR
22591119 MOEGENBURG, PETER 985 MADERA CIRCLE ELM GROVE WI 53122 Primary SFR
22591127 MALERBA, JOSEPH 5305 PINE CIRCLE CUMMINGS GA 30041 Primary SFR
22591150 LIAMPETCHAKUL, CHINGCHAI 719 ADIRONDACK AVEN VENTURA CA 93003 Primary SFR
22591168 GORDON, JOHN RURAL ROUTE SCA VERGAS MN 56587 Primary SFR
22591291 HICKS, MICHAEL 3621 GREENBRIER DR DALLAS TX 75225 Primary SFR
22591317 PRADHAN, SAMARESH 33757 TRAILSIDE WAY UNION CITY CA 94587 Primary SFR
22591515 WOODRUFF, CHRISTOPHER 28371 N CALEX DRIVE VALENCIA CA 91354 Primary PUD
22592182 SHANAHAN, JOSEPH 5439 NORTH LAKEWOO CHICAGO IL 60640 Primary SFR
22592281 PEDERSON, SCOTT 5725 KATHLEEN COUR SHOREWOOD MI 55331 Primary SFR
22592323 ULSH, JONATHAN 1610 NESISKIYOU ST PORTLAND OR 97212 Primary SFR
22592455 SCHERCK, RANDALL 20 MARYHILL DRIV LADUE MO 63124 Primary SFR
22592463 SMITH, GREGORY 1751 NWCHRISTINE CT PORTLAND OR 97229 Primary SFR
22592521 FEINMAN, DAVID 842 FURLONG DRIVE LIBERTYVILE IL 60048 Primary SFR
22592570 PAETZ, JOHN 2609 EAGLE VALLEY WOODBURY MN 55129 Primary SFR
22592596 HALPER, DAVID 4395 TRILLIUM LANE MINNETRISTA MN 55364 Primary SFR
22592687 LOCHMANN, DANIEL N841 COUNTY HIGHWA SARONA WI 54870 Primary SFR
22592786 SHIELDS, SCOTT 1603 EAST ELMWOOD MESA AZ 85203 Primary SFR
22592810 KELLEY, KURT 5676 WACO COURT AURORA CO 80015 Primary PUD
22592844 SCHMIDT, TIMOTHY 9282 TEWSBURY GATE MAPLE GROVE MN 55311 Primary SFR
22592919 SEIDELMANN, DANIEL 5396 WATERS EDGE D MINNETONKA MN 55343 Primary SFR
22592935 DARDICK, JEFFREY 110 BELLINGTON LA ST LOUIS MO 63141 Primary SFR
22593016 HOYT, GREGORY 4610 WOODDALE AVEN EDINA MN 55424 Primary SFR
22593024 ORAZI III, PHILIP 2482 OAK HILL OVER DULUTH GA 30097 Primary SFR
22593073 FORSBLOM, TERRANCE 25548 E COMFORT DRIVE WYOMING MN 55013 Primary SFR
22593099 MIKYSKA, GLENN 1020 EAST PORTER A NAPERVILLE IL 60540 Primary SFR
22593149 BOUTIN, ARLENE 1600 LAKE JOHANNA ARDEN HILLS MN 55112 Primary SFR
22593180 CURCIO SR, JOHN 4203 ROYAL FOX DRI ST CHARLES IL 60174 Primary SFR
22593263 HALL, CHARLES 1059 RANCHO LINDO PETALUMA CA 94952 Primary SFR
22593297 PAYNE, MAX 916 CREEK HOLLOW FORT WORTH TX 76131 Primary PUD
22595532 MASON, THOMAS 3860 OLYMPIA DR HOUSTON TX 77019 Primary SFR
22595656 CISAR, GORDON 6126 KELLY BETH CO LOVELAND CO 80537 Primary PUD
22595870 CRUZE, GUILLE 11716 COUCH MILL RO KNOXVILLE TN 37932 Primary SFR
22595896 SMITH, WILLIAM 7755 SILVERTHORN R LARGO FL 33777 Secondary SFR
22595904 DUTRO, GEORGE 425 TOWNSEND DR APTOS CA 95003 Primary SFR
22595946 DINESEN, FRITS 3170 EAST HAMPSHIR MILWAUKEE WI 53211 Primary SFR
22595995 MOHIDEEN, BAQHAR 6132 LAKELAND COUR DAVENPORT IA 52807 Primary SFR
22596001 LEICK, DAVID 8377 CLAYMORE COUR INVER GROVE MN 55076 Primary SFR
22596027 WALTHERS VON, J 6115 N KENT AVENUE WHITEFISH B WI 53217 Primary SFR
22596050 WANDERMAN, MARK 2501 MAYFLOWER AVE MINNETONKA MN 55305 Primary SFR
22596068 BLEAU SR, DONALD 312 HARBOR POINT CI DULUTH MN 55802 Primary SFR
22596076 HANSEN, ROBERT 9605 BRIAR CIRCLE BLOOMINGTON MN 55437 Primary SFR
22596084 HOUCH, LARRY 43031 SE104TH STREET NORTH BEND WA 98045 Primary SFR
22596092 TAQIEDDIN, MOHAMMAD 3275 NESTANTON STREE PORTLAND OR 97212 Primary SFR
22596134 KASTNER, RANDALL 8620 NORTH DEAN CI RIVER HILLS WI 53217 Primary SFR
22596142 KIEDROWSKI, PETER 211 CLAUDIUS DR APTOS CA 95003 Primary SFR
22596175 FRABONI, AMERICO 29003 138TH ST ZIMMERMAN MN 55398 Primary SFR
22596183 METZ, CHARLES 789S QUENTIN AVENU LAKELAND MN 55043 Primary SFR
22596191 ONEILL, WALTER 7857 NOLL VALLEY R TOWN OF MID WI 53562 Primary SFR
22596217 RICKETSON, KATHLEEN 4850 FREMONT AVE S MINNEAPOLIS MN 55409 Primary SFR
22596225 NASSIF, JEFFREY 3040 DIAMOND LANE MARION IA 52302 Primary SFR
22596241 MASSE, ANDREW 527 HAMILTON DR WHEATON IL 60187 Primary SFR
22596266 MILLER, MICHAEL 910 FOXKIRK DRIVE BROOKFIELD WI 53045 Primary SFR
22596274 FRITH, DANIEL 1919 KARLIN DRIVE TOWN & COUN MO 63131 Primary PUD
22596282 CHEN, DAVID 1211 WILLIAM STREE RIVER FORES IL 60305 Primary SFR
22596290 HENDRICKS, STEPHEN N1821 WILDWOOD DRIV LAKE GENEVA WI 53147 Primary SFR
22596308 BADR, M 1780 ALDER DRIVE WEST BLOOMF MI 48324 Primary SFR
22596316 AUBUCHON, BRIAN 367 HILLSIDE AVEN GLEN ELLYN IL 60137 Primary SFR
22596324 KENAHAN, MICHAEL 238 SCOTTSWOOD RO RIVERSIDE IL 60546 Primary SFR
22596332 FITZGERALD, JOHN W468 HONEYCREEK RO BURLINGTON WI 53105 Primary SFR
22596340 ARNOLD, DON 34167 LYNCROFT FARMINGTON MI 48334 Primary SFR
22596357 GORDON, THOMAS 14590 THICKET LANE DAYTON MN 55327 Primary SFR
22596365 TURKINGTON, ROBERT 6 COLUMBINE LAN NORTH OAKS MN 55127 Primary SFR
22596373 DAVIS, TIMOTHY 4977 SAFARI CIRCLE EAGAN MN 55122 Primary SFR
22596381 HAGEMEYER, WILLIAM 926 SPYGLASS CIRC SOUTH DAKOT SD 57049 Primary SFR
22596399 COOK, THOMAS 39 HAWK FEATHER MADISON WI 53717 Primary SFR
22596407 HANSON, KEVIN 9423 CAIN ROAD CORCORAN MN 55340 Primary SFR
22596415 HILL, WEBSTER 2815 DEER RUN ORONO MN 55356 Primary SFR
22596423 PETERS, KARL 2326 BRYANT AVENUE EVANSTON IL 60201 Primary SFR
22596431 SORENSEN, TERESA 16270 KENSWORTH COU LAKEVILLE MN 55044 Primary SFR
22596449 SMITH, BRIAN 1302 COUNTRYSID CHESTERFIEL MO 63005 Primary SFR
22596456 KAROS, NICHOLAS 15 CIRCLE ST WE EDINA MN 55436 Primary SFR
22596464 SANDBERG, BRUCE 16727 HUTCHINSON DR LAKEVILLE MN 55044 Primary SFR
22596472 RAIH, THOMAS 4511 EDINA BOULEVA EDINA MN 55424 Primary SFR
22596530 MARCHIONE, VALENTINO 585 MEADOWS CREEK ALPHARETTA GA 30005 Primary SFR
22596662 BASNETT, MICHAEL 6 CALLIS LANE POQUOSON VA 23662 Primary PUD
22596944 WEBSTER, JEFFREY 1103 CHADWICK ROAD WILMINGTON DE 19803 Primary SFR
22597165 RICHMOND, JOISANNE 690 VININGS ESTAT MABLETON GA 30126 Primary SFR
22597843 REIFLER, DOUGLAS 4035 REGAL OAKS DR SUWANEE GA 30024 Primary PUD
22598148 THOMAS III, JOHN 21325 SMALL BRANCH ASHBURN VA 20148 Primary PUD
22598379 ANDEL, ERIC 55 LAUREL GLEN SAN RAFAEL CA 94903 Primary PUD
22598890 PLZAK, DENNIS 11714 BRIARWOOD LAN BURR RIDGE IL 60525 Primary SFR
22599096 LO COCO, FRANCIS 1655 BERKSHIRE DRI ELM GROVE WI 53122 Primary SFR
22599450 ELIOPULOS, GEORGE 6880 PEPPERTREE CO NIWOT CO 80503 Primary PUD
22599799 HULINGS III, WILLIS 3707 FOXCROFT ROAD CHARLOTTE NC 28211 Primary SFR
22600126 WOOD, ALEXANDER 324 RIDGEWOOD AVE CHARLOTTE NC 28209 Primary SFR
22600183 THREADGILL JR, WADE 1928 SAVANNAH DR ROUND ROCK TX 78681 Primary SFR
22600274 RYAN, WILLIAM 3655 S JOJOBA WAY CHANDLER AZ 85248 Primary SFR
22601454 MCCULLOUGH, ROBERT 1283 CANNON ST ARCH CAPE OR 97102 Secondary SFR
22601520 MCCULLOUGH, ROBERT 6123 SEREED COLLEGE PORTLAND OR 97202 Primary SFR
22601934 POWELL, DOUGLAS 989 MOORES CLUB P ATLANTA GA 30319 Primary SFR
22603104 ROBERTS, DENNIS 22512 NE113TH STREET VANCOUVER WA 98682 Primary SFR
22603617 MALLOY, THOMAS 14 DAIRYFIELD CO ROCKVILLE MD 20852 Primary SFR
22603674 PLOTHOW, DAVID 7371 HOMESTEADER D MORRISON CO 80465 Primary SFR
22603880 CARTER, CHARLES 19520 QUAIL CREEK P LOS ANGELES CA 91326 Primary SFR
22604292 GEISLER, ROBERT RT 2 BOX 3881 BERRYVILLE VA 22611 Primary SFR
22604300 JACOBS, LARRY 2339 N TRAVIS CIRCLE MESA AZ 85207 Primary SFR
22604326 CAMPOS, MIKE 23 SERENE CANYON RANCHO SANT CA 92688 Primary PUD
22604581 ADAMS, BRADLEY 19426 E POWERS PLACE AURORA CO 80015 Primary PUD
22604839 JENKINS, GARY 3121 BLACKBERRY LA PRINCE FRED MD 20678 Primary SFR
22605687 BROWN, RICHARD 341 NEFLORAL PL PORTLAND OR 97232 Primary SFR
22605695 OHLWEILER, ROBERT 3600 SE177TH AVE VANCOUVER WA 98683 Primary SFR
22607311 CASTALDI, RONALD 4508 17TH ST NW DIST OF COL DC 20001 Primary SFR
22610950 SEGAL, HAROLD 4845 ANDASOL AVE LOS ANGELES CA 91316 Primary SFR
22611610 LLOYD, DOMINIC 994 S UNIVERSITY BL DENVER CO 80209 Primary SFR
22611750 MASTEN, KIRK 11677 N 300 EAST ROANOKE IN 46783 Primary SFR
22612188 FRAZIER, PAUL 6139 BORDLEY DR HOUSTON TX 77057 Primary PUD
22613079 SABA, PETER 10759 RIVERSCAPE RU GREAT FALLS VA 22066 Primary SFR
22613111 SACKS, BRIAN 12131 FAULKNER DRIV OWINGS MILL MD 21117 Primary PUD
22614762 GRAVEN, ANDREW 3269 LYNN OAKS DR SAN JOSE CA 95117 Primary SFR
22614838 FOX, JOSEPH 1751 UPPER 55THSTR INVER GROVE MN 55077 Primary SFR
22614986 MAHNKE, ROBERT 807 BASS LAKE ROA STOUGHTON WI 53589 Primary SFR
22615009 CARLSON, MATTHEW 7581 128TH STREET APPLE VALLE MN 55124 Primary SFR
22615058 NICKEL, GERARD 1426 N BOYD ROAD APACHE JUNC AZ 85219 Primary SFR
22615082 REARDON, LAURENCE 3080 N SHORE DRIVE WAYZATA MN 55391 Primary SFR
22615249 ZELIG, STEVEN 3305 KLINE DR VA BEACH VA 23452 Primary SFR
22615751 FLORA, HOWARD 1052 DOWNSHIRE PLA VIRGINIA BE VA 23452 Primary SFR
22615777 HALPER, MARICE 2647 SOUTH SHORE B WHITE BEAR MN 55110 Primary SFR
22615959 NEWLAND, CHARLES 2220 AVALON DRIVE BUFFALO GRO IL 60090 Primary PUD
22616080 DENNIS JR, DONALD 8884 CEDARSPUR DRI SPRING VALL TX 77055 Primary PUD
22616957 SHEA, JOHN 3012 MEDIAL AVE NASHVILLE TN 37215 Primary SFR
22617039 DICKINSON, JEFFEREY 1200 W DEAN ROAD RIVER HILLS WI 53217 Primary SFR
22618284 GRAHAM, GARY 754 STONEGATE PASS COLGATE WI 53017 Primary SFR
22618532 LYNN, ALLAN 78 FIELDSTONE DR BASKING RID NJ 7920 Primary SFR
22618680 DYMOWSKI, JOHN 8225 STEEPLESIDE D BURR RIDGE IL 60521 Primary SFR
22618698 NORDSTROM, MARK 4954 SYCAMORE DRIV EAGAN MI 55123 Primary SFR
22618961 SIMMONS, B 2725 WHITE ROAD CONYERS GA 30012 Primary SFR
22619605 MOSER, RICHARD 603 GLENDALE GLENVIEW IL 60025 Primary SFR
22619928 SHIVELY, HUNTER 10545 GAWAIN LANE HOUSTON TX 77024 Primary SFR
22620769 MORGAN, JAMES 1361 S LEOPARD ROAD BERWYN PA 19312 Primary SFR
22622997 BRACKETT, STEVEN 305 MOSS HILL ROAD IRVING TX 75063 Primary PUD
22623896 MACKEY, KEVIN 7705 SAXBOROUGH DR CASTLE ROCK CO 80104 Primary SFR
22624852 HOUGHLAND, DORIS 556 UTICA COURT BOULDER CO 80304 Primary SFR
22624910 DUEWER, DARRELL 1108N OXFORDSHIRE LAN EDWARDSVILL IL 62025 Primary SFR
22624928 CLARK, STEWART 5117 PRYTANIA ST NEW ORLEANS LA 70115 Primary SFR
22625883 CURRIE, MICHAEL 939 CHINQUAPIN PL HOUSTON TX 77094 Primary PUD
22627137 DEAR, HENRY 49 OGAWA CT DANVILLE CA 94506 Primary SFR
22627640 COLTURI, JON 335 KINCARDINE WA ALPHARETTA GA 30022 Primary PUD
22628515 SHIPLEY, EDWARD 8057 SARGENT RIDGE INDIANAPOLI IN 46256 Primary SFR
22630339 MILLER, CHRISTINE 7490 SW49TH COURT PORTLAND OR 97219 Primary SFR
22630644 DE MAR, WILLIAM 6 STEUBEN BAY ALAMEDA CA 94502 Primary SFR
22630966 NASH, JOHN 2234 DRYDEN RD HOUSTON TX 77030 Primary SFR
22631535 BRUNO, EDWARD 6700 TANNA HILL DR SAN JOSE CA 95120 Primary SFR
22631949 HARVISON, JOHN 6208 FOREST RIVER FORT WORTH TX 76112 Primary PUD
22635031 BEAR, GUY 2228 HARDING AVE REDWOOD CIT CA 94062 Primary SFR
22636047 HEPP, JAMES 10287 SPRINGSTONE ROA MCCORDSVILL IN 46055 Primary SFR
22636864 WENTZ, CHARLES 21914 BRIARCLIFF DR SPICEWOOD TX 78669 Primary SFR
22638886 COPELAND DISO, JULIA 290 POTATO PATCH EVERGREEN CO 80439 Primary SFR
22643753 SHUSTERMAN, MARK 2133 5TH ST BOULDER CO 80302 Primary SFR
22653083 BURR, MICHAEL 10903 FOREST RIDGE NORTH POTOM MD 20878 Primary PUD
22653141 STEPHENSON JR, EDWARD 11644 QUARTERFIELD ELLICOTT CI MD 21042 Primary SFR
22653463 GILBERT, JOHN 1970 INDIAN TRAIL LAKE OSWEGO OR 97034 Primary SFR
22653885 GOLDMAN, MARK 16319 E JACKLIN DR FOUNTAIN HI AZ 85268 Primary SFR
22659577 BERRY, MARK 1700 FOREST BEND L KELLER TX 76248 Primary SFR
22666259 FISHER, TODD 338 WYNNE RIDGE C GAHANNA OH 43230 Primary SFR
25864208 FINN, GREGG 139 SKY TOP DRIVE PLEASANTVIL NY 10570 Primary SFR
26076414 RUARK, WILLIAM 3683 GUMTREE ROAD WINSTON-SAL NC 27107 Primary SFR
26295022 BUTCHER, DAVID 44328 LORD FAIRFAX PL ASHBURN VA 20147 Primary SFR
26439257 HAMPTON, JOHN 518 VIRGINIA DARE D VIRGINIA BE VA 23451 Primary SFR
26463497 HESS, GARY 1953 SEVERN GROVE RO ANNAPOLIS MD 21401 Primary PUD
26631309 MCDANIEL, ANTONIO 8 LAKEHURST COURT DURHAM NC 27713 Primary PUD
26639369 WAGNER, KENNETH 6924 RIESMAN LANE CHARLOTTE NC 28210 Primary SFR
26699702 HUNTER III, LAWRENCE BOX 8 LAKEVIEW HILLS NEBO NC 28761 Primary SFR
26890160 STANLEY, BARBARA 5036 FRANKLIN ROAD NASHVILLE TN 37220 Investor SFR
26900043 PRIOR, DEBRA 15732 143RD AVENUE SE RENTON WA 98059 Primary PUD
26900506 CECIL, WILLIAM 2526 VIA PISA DEL MAR CA 92014 Primary SFR
26914861 ERICKSON, SALLY 724 SUE DRIVE PLACENTIA CA 92870 Primary PUD
26915785 NELSON, HOWARD 3333 CLEVELAND AVENU WASHINGTON DC 20008 Primary SFR
26916148 KACZMAREK, CHRISTOPHER 708 S 25TH STREET ARLINGTON VA 22202 Primary SFR
26964528 SWEENEY, THOMAS 26 ENCINA DRIVE CARMEL VALL CA 93924 Primary SFR
26967216 SHUMAN, LAWRENCE 3513 PROSPERITY AVEN FAIRFAX VA 22031 Primary SFR
26970343 MONTGOMERY, JAMES 3302 RIVA RIDGE AUSTIN TX 78746 Primary PUD
26970756 CACERES, ANTHONY 6214NW75 WAY PARKLAND FL 33067 Primary SFR
26972489 KRUER, GEORGE 1165 PACIFIC BEACH SAN DIEGO CA 92109 Primary Condo
27012301 RATSIU, EMIL 5152 DUNBAR AVENUE HUNTINGTON CA 92649 Primary 4-Family
27046762 HOWARD, EVE 6139 31ST STREET NW WASHINGTON DC 20015 Primary SFR
27051929 THOMPSON, LARRY 3766 BACCURATE WAY MARIETTA GA 30062 Investor SFR
27061704 MAIN, JOHN 475 TERRY LANE HEATH TX 75032 Primary SFR
27065101 SMITH, JEFFERY 4404 OAK LEAF DR TULSA OK 74132 Primary SFR
27066265 DUKES, MARK 523 YACHTING ROAD LEXINGTON SC 29072 Primary SFR
27066588 SKATELL III, ANTHONY 2 49TH AVENUE ISLE OF PAL SC 29451 Primary SFR
27067438 ROBINSON, JOSEPH 417 AVENIDA ABAJO EL CAJON CA 92020 Primary SFR
27068154 CHOI, LIM 18697 FAIRFAX LANE HUNTINGTON CA 92648 Primary SFR
27083567 SARDESAI, RAJENDRA 420 W COOLIDGE DR SAN GABRIEL CA 91775 Primary SFR
27083658 REESE III, JOEL 295 SHERINGHAM ROAD COLUMBIA SC 29212 Primary SFR
27089861 DESMOND, KEVIN 3810 CASHILL BLVD RENO NV 89509 Primary SFR
27090745 KAO, PETER 4313 MIRANDA AVENUE PALO ALTO CA 94306 Primary SFR
27092808 AKERS, ROBERT 3325 BRENTWOOD CT PUNTA GORDA FL 33950 Primary SFR
27093012 YOST, CHARLES 46239 RIVER RUN LANE PINEY POINT MD 20674 Primary SFR
27095736 PLAGER MD, STEPHEN 235 FOURTH AVENUE SANTA CRUZ CA 95062 Primary SFR
27110501 SAUNDERS, CARIN 2719 PINE STREET SAN FRANCIS CA 94115 Primary Condo
27111285 FARABAUGH, RICHARD 4473 CAVALLON WAY ACWORTH GA 30101 Primary PUD
27111889 STENBERG, SHELDON 2622 CHERRY LANE WALNUT CREE CA 94596 Primary SFR
27114396 IANNUCCI, RALPH 21166 CAVALIER COURT ASHBURN VA 20147 Primary PUD
27116219 KING, DIANE 4179 MACKIN WOODS LA SAN JOSE CA 95135 Primary SFR
27116581 MCLAUGHLIN, RALPH 8801 PARADISE VALLEY LUCERNE CA 95458 Primary SFR
27121235 GAGE, CRAIG 2010 NW133 TERRACE GAINESVILLE FL 32606 Primary PUD
27123686 KATZ, STEPHEN 503 LIGHTHOUSE AV SANTA CRUZ CA 95060 Primary SFR
27123892 MEHREN, MONICA 26402 SAN RAMON WAY MISSION VIE CA 92692 Primary PUD
27123918 CARNER, GRETCHEN 1128 PRINCETON ST SANTA MONIC CA 90403 Primary Condo
27128263 ROSS, STUART 4582 INDIAN ROCK TER WASHINGTON DC 20007 Primary SFR
27128362 WILSON, JAMES 6916 RAINWATER ROAD RALEIGH NC 27615 Primary SFR
27130681 GERKE, STEPHEN 131 EAGLES MERE ROA GREAT FALLS VA 22006 Primary SFR
27131978 ERICKSON, SANDRA 117 CABRILLO STREET CAPITOLA CA 95010 Primary SFR
27134907 KINNIBURGH, MARK 1345 MACBETH STREET MCLEAN VA 22102 Primary SFR
27136845 HUXLEY, STEPHEN 1112 LARCH AVENUE MORAGA CA 94556 Primary SFR
27144724 DOWNEY, THOMAS 7871 GULF BOULEVARD NAVARRE FL 32566 Secondary SFR
27147693 FRANEY, H BART 1126 OMAN DRIVE BRENTWOOD TN 37027 Primary SFR
27148113 LONDON, LAURA 21 REDWOOD DRIVE ROSS CA 94957 Primary SFR
27153725 LEVINE, DANIEL 1112 CHURCHVIEW PLAC ROCKVILLE MD 20854 Primary SFR
27157106 GOODWIN, ROBERT 155 WINFIELD ST SAN FRANCIS CA 94110 Primary SFR
27158492 RAGSDALE, JAMES 5660 BEAUMONT AVEN LA JOLLA CA 92037 Primary SFR
27158591 ATWELL, BERNARD 540 JAMES RIVER ROA GULF BREEZE FL 32561 Primary PUD
27159169 MICHAEL, DANIEL 1387 22ND AVENUE SAN FRANCIS CA 94122 Primary SFR
27161462 HUTSON, JOHN 1004 SARATOGA DRIVE BRENTWOOD TN 37027 Primary SFR
27165810 CHOE, USOK 1724 DON AVENUE SAN JOSE CA 95124 Primary SFR
27166214 DAMITZ, MICHAEL 610 N PITT STREET ALEXANDRIA VA 22314 Primary PUD
27168327 COOK, ROBERT 3284 CRAGGY POINT ATLANTA GA 30339 Primary SFR
27172758 PHELPS, AMY 502 COUNTRY LANE COPPELL TX 75019 Primary SFR
27173343 ROHAN, GREGORY 3715 CRAGMONT AVENUE DALLAS TX 75205 Primary SFR
27176072 DAMBROSI, FREDERICK 3719 NEWCREST POIN SAN DIEGO CA 92130 Primary PUD
27176254 LEE, ALAN 18 SIRIUS IRVINE CA 92612 Primary Condo
27178169 SENGUPTA, SAUMYENDRA 7102 GLENVIEW DRIVE SAN JOSE CA 95120 Primary SFR
27181551 NELSENIII, LOUIS RT 1 BOX 646 PORT REPUBL VA 24471 Primary SFR
27185537 KRANZ, JASON 15759 143RD AVENUE SO RENTON WA 98058 Primary PUD
27191675 JENKINS, RICHARD 9394 DURANGO LANE GILROY CA 95020 Primary SFR
27197805 OROURKE, CHRISTINE 9586 REDWOOD COURT CARMEL CA 93924 Primary SFR
27199876 FERNANDEZ, MARGARITA 7744 SILVA RANCH WAY SACRAMENTO CA 95831 Primary SFR
27201292 MOTLEY, JANE 3329 PLANTATION DR VALDOSTA GA 31605 Primary SFR
27201920 DOUGLASS III, CLIFTON 606 GARRATY ROAD SAN ANTONIO TX 78209 Primary SFR
27202795 KAYE, CYNTHIA 2665 PRESTON RIDGE L DACULA GA 30019 Primary PUD
27203009 ZAMBITO, JOSEPH 715 GLOSSY IBIS LAN KIAWAH ISLA SC 29455 Secondary PUD
27203439 LINDSAY, CHRISTOPHER 2105 WAKEFIELD COURT ALEXANDRIA VA 22307 Primary SFR
27203827 BLALOCK, MELANIE 6500 W MANSFIELD AVE DENVER CO 80235 Primary PUD
27205012 VETTER, WILLIAM 1211 ASQUITH PINES P ARNOLD MD 21012 Primary PUD
27205616 JONES JR, JAMES 3700 DUNLEITH COURT MIDLOTHIAN VA 23113 Primary PUD
27213156 MACDONALD, THOMAS 2000 BARNWOOD TERRAC VIENNA VA 22181 Primary SFR
27213958 TIGHE, JEAN 1134 FAIRBANKS DRIVE LUTHERVILLE MD 21093 Primary PUD
27216126 RATHBUN, DANIEL 6618 ROCK CRYSTAL DR CLIFTON VA 22024 Primary PUD
27218858 STANLEY J JAN, OCHA 9142 SANTIAGO DR HUNTINGTON CA 92646 Primary SFR
27221092 SHEEHAN, JOHN 4904 DRAYCROFT PLACE FUQUAY VARI NC 27526 Primary PUD
27223049 FOWLS, DON 11101 HAMPTON ROAD FAIRFAX STA VA 22039 Primary SFR
27224807 REESE, COLIN 6840 TIDDLE WAY LORTON VA 22079 Primary SFR
27228063 HARGETT, DOUGLAS 19022 MARY ARDREY CIR CORNELIUS NC 28031 Primary SFR
27228329 CADLE, EMIL 7015 DALEMAR DRIVE CLIFTON VA 20124 Primary SFR
27229103 THOMPSON, WILLIAM 3060 WELLINGTON COUR ATLANTA GA 30339 Primary SFR
27230168 JENCEN, RICHARD 421 DEEP NECK ROAD COROLLA NC 27927 Secondary PUD
27230556 RUSCHE, MARK 263 THE PRADO ATLANTA GA 30309 Primary SFR
27230788 CHETCUTI, VINCENT 1636 WARBLER WAY SUNNYVALE CA 94087 Primary SFR
27232131 SALYER, SCOTT 705 GARY LANE EL PASO TX 79922 Primary SFR
27235902 SCHMID, EDWARD 1506 BULLION CIRCL SAN JOSE CA 95120 Primary PUD
27237478 MARGALIT, ELI 436 CENTRAL AVENUE MENLO PARK CA 94025 Primary SFR
27238625 MYSLIWIEC, STEPHEN 32 QUINCY STREET CHEVY CHASE MD 20815 Primary SFR
27241165 POON, KA 158 ELISHA LANE SAN RAMON CA 94583 Primary SFR
27241850 DE CASTRO, RAMON 3341 RUNNYMEDE PLACE WASHINGTON DC 20015 Primary SFR
27242957 WARSING, ROBERT 821 IRVING AVEUNE COLONIAL BE VA 22443 Primary SFR
27245836 ZERVOS, MICHAEL 78 CHADWICK DRIVE CHARLESTON SC 29407 Primary SFR
27246016 GOURDIN, THEODORE 23 SAVAGE STREET CHARLESTON SC 29401 Primary SFR
27246404 LEE, RUSSELL 22 KERR AVENUE KENSINGTON CA 94707 Primary SFR
27248756 NEEDEL, BRIAN 12139 WOODSYDE COURT OWINGS MILL MD 21117 Primary SFR
27249416 CLEFF, TRENTON 7628-1NWRIO GRANDE BLVD ALBUQUERQUE NM 87107 Primary SFR
27250299 FLORES, JULIAN 7107 RIDGEWOOD AVENU CHEVY CHASE MD 20815 Primary SFR
27251339 MESTERHAZY, ANDREW 11230 FIELD CIRCLE SPOTSYLVANI VA 22553 Secondary PUD
27252204 HORNSTEIN, MARTIN 11500 DONA CECILIA DR STUDIO CITY CA 91604 Primary SFR
27252477 ECKSTEIN, GEORGE 11740W SUNSET BLVD LOS ANGELES CA 90049 Primary Condo
27252766 WHITMILL, BRADLEY 344 CROCKETT ROAD COLUMBIA SC 29212 Primary SFR
27255538 SIDES, CHARLES 119 MISTY OAKS PLAC LEXINGTON SC 29072 Primary SFR
27257286 DESPARS, JOHN 267 LONGRIDGE RD LOS GATOS CA 95032 Primary SFR
27258102 KENNEDY, SAMUEL 6517 135TH PLACE SW EDMONDS WA 98026 Primary PUD
27259597 ABRAHAMI, ADRIAN 1028 HUNTINGDON DR SAN JOSE CA 95129 Primary SFR
27262013 NISHI, KENNETH 5141 DEELANE ST TORRANCE CA 90503 Primary SFR
27262203 CHOI, BERMJAE 200 BALTIC CIRCLE 2 REDWOOD CIT CA 94065 Primary Condo
27265818 BONELLI, CURTIS 4965 IRON SPRINGS RO PRESCOTT AZ 86301 Primary SFR
27267392 LONGWELL, GEORGE 6016 COPELY LANE MCLEAN VA 22101 Primary SFR
27268408 HANCOCK, LEWIS 205 PAYNE CHAPEL RO LOOKOUT MOU GA 30750 Primary SFR
27268770 FIFER, RICHARD 8181 ORCHARD POINT R PASADENA MD 21122 Primary SFR
27270115 WHITEHEAD JR, CHARLES 116 TROY CIRCLE FT WALTON B FL 32547 Primary SFR
27272665 GONZALEZ, EDUARDO 3610 ROSEBUD DRIVE DALWORTHING TX 76016 Primary SFR
27273663 TOPLIN, MARC 11105 DEBORAH DRIVE POTOMAC MD 20854 Primary SFR
27276021 TOOK, DRKEVIN 664 HIGHWAY 65/69 INDIANOLA IA 50125 Primary SFR
27281914 BRAHCE, JOEL 10620 SUNRISE RIDGE C AUBURN CA 95603 Primary SFR
27285469 FRANKLIN, RANDALL 20500 BLACK DRIVE LOS GATOS CA 95033 Primary SFR
27293885 JONES, MELVIN 442 JOOST AVENUE SAN FRANCIS CA 94127 Primary SFR
27294701 SHAKIN, WILLIAM 4295 ROCKVILLE HEIGH SUISUN CITY CA 94585 Primary SFR
27298629 BURROWS, FREDERICK 4309 VALLEY VIEW DRI LITTLE ROCK AR 72212 Primary SFR
27298892 GIBBS, DAVID 1170 COCKRELL DRIVE KENNESAW GA 30152 Primary PUD
27303825 GIORGI, STEVEN 1350 JAMES AVENUE REDWOOD CIT CA 94062 Primary SFR
27304690 YOO, RICHARD 3161 GRANGEMONT ROAD GLENDALE CA 91206 Primary SFR
27306992 FRY, JOHN 756E JUNIPER RIDGE L ACTON CA 93510 Primary SFR
27308139 RIGGS, RUSSELL 2707 WELCOME DRIVE FALLS CHURC VA 22046 Primary SFR
27313527 OLMEDO, ALEX 5067 WOODLEY AVENU ENCINO CA 91436 Primary SFR
27313675 TRAHANT, WILLIAM 11539 RED ROCK LANE BUMPASS VA 23024 Secondary PUD
27318385 PANGBURN, HOWARD 4620 REDWOOD COURT IRVING TX 75038 Primary PUD
27320225 SCHAUMBURG, DANIELLE 100 VISTA DEL DIABL DANVILLE CA 94526 Primary SFR
27326925 HUNDT, KEVIN 3812 PURDUE AVENUE DALLAS TX 75225 Primary SFR
27330059 DRAKE, KENNETH 1725 HILLSIDE DR GLENDALE CA 91208 Primary SFR
27331099 WEESE, LEROY 2451 MIDDLEFIELD ROA PALO ALTO CA 94301 Primary SFR
27333467 LOWE, FRANKLIN 351 MADRONE AVE LARKSPUR CA 94939 Primary SFR
27336809 DAILY, BILLY 5002 SEVERANCE DRIVE SAN JOSE CA 95136 Primary SFR
27336999 BESS, JONATHAN 10412 SNOW POINT DRIV BETHESDA MD 20814 Primary PUD
27337013 BITTLE, DAVID 47769 SAULTY DRIVE STERLING VA 20165 Primary PUD
27337823 ARINIELLO, LEONARD 7912 SITIO CATANA CARLSBAD CA 92009 Primary PUD
27338409 WOJDAK, PHILIP 1435 MARIANNA ROAD PASADENA CA 91105 Primary SFR
27339795 YELVERTON, PETER 144 HAMPTON POINT D ST SIMONS GA 31522 Secondary SFR
27342567 BECKETT, DAVID 8914 LAURELWOOD LANE WAXHAW NC 28173 Primary SFR
27347178 KWAK, YONG 1083 CLEMATIS DRIVE SUNNYVALE CA 94086 Primary SFR
27347764 LANGFORD, GARY 627 LAKE DRIVE SALISBURY NC 28144 Primary SFR
27349000 GODDARD, JEFFERY 3705 GLENEAGLES DR TARZANA CA 91356 Primary SFR
27353234 TESTMAN, THOMAS 30982 VIA MIRADOR SAN JUAN CA CA 92675 Primary PUD
27353945 VALENTINE, LEON 19618 SINGING HILLS NORTHRIDGE CA 91326 Primary SFR
27354141 COX, DEBORAH 12411 MATISSE LANE DALLAS TX 75230 Primary PUD
27360320 ZAITZ, DAVID 7722 AGNEW AVENUE LOS ANGELES CA 90045 Primary SFR
27361104 HURWITZ, LEAH 9459 LA JOLLA FARMS SAN DIEGO CA 92037 Primary SFR
27361112 BROWN, ROBERT 703 ALOSTA DRIVE CAMARILLO CA 93010 Primary SFR
27361443 RUSSELL, EILEEN 5256 FLINTLOCK ROAD ROANOKE VA 24014 Primary SFR
27363019 MILLARD, STEPHEN 1010 BRAZOS DRIVE SOUTHLAKE TX 76092 Primary PUD
27364868 HAAG, JEFF 3320 COLUMBIA ST SAN DIEGO CA 92103 Primary SFR
27367556 AYERS, JAMES 22405 DIERICX COURT MOUNTAIN VI CA 94040 Primary SFR
27370246 MARTIN, PAUL 15726 143RD AVE. SOUT RENTON WA 98058 Primary PUD
27370493 BLUEBOND, SHERI 8964W 24TH STREET LOS ANGELES CA 90034 Primary SFR
27371293 ODOM JR, LONNIE 70 MONTEZUMA STREE SAN FRANCIS CA 94110 Primary SFR
27371715 WILLEY, THOMAS 134 OHLONE COURT LOS GATOS CA 95030 Primary PUD
27375328 HARVEY, STANLEY 8185 SANTA CLARA DR DALLAS TX 75218 Primary SFR
27376805 ONEAL, TOIRISTE 813 WOLFTRAP ROAD WINTERVILLE NC 28590 Primary SFR
27378694 MCKINNEY, MICHAEL 45 PAINTED CLIFF D SEDONA AZ 86336 Primary SFR
27381706 RICHESIN, CRAIG 2075 FALLING LEAF CI BREA CA 92821 Primary PUD
27384957 WOOLLACOTT, RICHARD 204 FT HOWELL DRIVE HILTON HEAD SC 29926 Primary PUD
27387083 KRANZUSCH, JAMES 4645 WYNMEADE PARK MARIETTA GA 30067 Primary PUD
27387935 LIN, CHINGSUNG 1567 PEACOCK AVENUE SUNNYVALE CA 94087 Primary SFR
27388248 KING, JAN 1907 CORDILLERAS ROA REDWOOD CIT CA 94062 Primary SFR
27390913 WANG, WEI 1092 CORVETTE DRIVE SAN JOSE CA 95129 Primary SFR
27391317 STAPLETON, THOMAS 35 CREST ROAD LAFAYETTE CA 94549 Primary SFR
27391549 PETRUOLO, GERALDINE 13374 TWIN CIRCLES CO POWAY CA 92064 Primary SFR
27399112 FARRINGTON, RICHARD 2208 BRIAR HILLS COU SAN JOSE CA 95138 Primary SFR
27401660 BELLI, RONALD 132 CRAGMONT DRIVE WALNUT CREE CA 94598 Primary SFR
27402015 CRAIG, JAMES 1732 BLACKBIRD CIR CARLSBAD CA 92009 Primary PUD
27405851 PHELAN, SCOTT 1000 EL VAGO STREE LA CANADA F CA 91011 Primary SFR
27407402 WONG, WILLIAM 39 NURSERY WAY SOUTH SAN F CA 94080 Primary SFR
27408111 BOERNER, PETER 311 DUNCASTER DR HOUSTON TX 77079 Primary PUD
27408277 PIAZZA, MICHAEL 207 LAKE SHORE DRIV WAXAHACHIE TX 75165 Primary SFR
27408384 CAMPBELL, MARK 18531 AGATE COURT CASTRO VALL CA 94546 Primary SFR
27408889 YOUDE, DENNIS 5721 GULL COVE LN FRIDAY HABO WA 98250 Secondary SFR
27411065 REED, MARK 8245 BAR HARBOR LANE CHARLOTTE NC 28210 Primary PUD
27411099 KUHNEY, MICHAEL 3870 ARBOLADO DR WALNUT CREE CA 94598 Primary PUD
27411594 JAHN JR, VINCENT 590 BONNIE VIEW COU MORGAN HILL CA 95037 Primary SFR
27411719 BELL, RICHARD 719 BUNGALOW DRIVE EL SEGUNDO CA 90245 Primary SFR
27411925 MOSER, THOMAS 828 VISTA VERDE DRI FULLERTON CA 92832 Primary SFR
27412147 HITCHCOCK, LINDA 334 LOS ALTOS DRIVE APTOS CA 95003 Primary SFR
27415009 SCHECTER, TODD 644 PALMA AVENUE EL GRANADA CA 94018 Primary SFR
27421049 WONG, WINNIE 15 LAKE AVENUE PIEDMONT CA 94611 Primary SFR
27423094 MOLSBERRY, CRAIG 5422 SARA DRIVE TORRANCE CA 90503 Primary SFR
27424068 WALSH, TIMOTHY 3439 JEWELL ST SAN DIEGO CA 92109 Primary SFR
27424449 DUBSKY, JAMES 1464 PEBBLE CREEK RD MARIETTA GA 30067 Primary SFR
27424498 MCNEILL, JERRY 1713 MCDUFFIE STREET HOUSTON TX 77019 Primary SFR
27427269 HORSTMEYER, ROBERT 2514 ROMONA STREET PALO ALTO CA 94301 Primary SFR
27429992 PENTLICKI, STEPHEN 1328 BALLS HILL ROAD MCLEAN VA 22101 Primary SFR
27430701 PARAB, MILIND 7108 GLENVIEW DRIVE SAN JOSE CA 95120 Primary SFR
27431758 YEE, WESLEY 125 SLEEPY HOLLOW L ORINDA CA 94563 Primary SFR
27434448 ENBERG, ERICH 311 MCKENDRY DRIVE MENLO PARK CA 94025 Primary SFR
27435130 PARKINS, CARY 911 LOS MOLINOS WAY SACRAMENTO CA 95864 Primary SFR
27438233 NAIR, HARIKUMAR 5929 CAPE CORAL DR AUSTIN TX 78746 Primary SFR
27439710 REYNOLDS, RONALD 2602 HILL PARK DRIVE SAN JOSE CA 95124 Primary SFR
27442508 JOHNSON, TERRALD 1130 BROCKMAN DRIVE SONOMA CA 95476 Primary SFR
27442656 KOSKI, PAUL 22030 REGNART ROAD CUPERTINO CA 95014 Primary SFR
27446046 COUGHLIN, SEAN 11220E 7TH STREET TREASURE IS FL 33706 Primary SFR
27446442 HOANG, JOSEPH 1272 MAYBERRY LANE SAN JOSE CA 95131 Primary SFR
27446798 MULLARKEY, MARTIN 6342 MIDNIGHT PASS R SARASOTA FL 34242 Secondary SFR
27453471 ROACH, JOHN 4001 MCFARLIN BLVD. UNIVERSITY TX 75205 Primary SFR
27453588 EDER, FRED 5 WILLIAM COURT MENLO PARK CA 94025 Primary SFR
27453679 JONES, ORVAL 395 RYDER ROAD SCOTTS VALL CA 95066 Primary SFR
27454545 REISS, BONNIE 5685 CALPINE DRIVE MALIBU CA 90265 Primary SFR
27456946 SOALT, BARRY 11728 MIRA LAGO WAY SAN DIEGO CA 92131 Primary PUD
27457043 BUSS, NORBERT 8832 DORSETT DRIVE HUNTINGTON CA 92646 Primary SFR
27459015 ROOSEN MARCOS, MERCEDES 105 RUNNING CEDAR C RICHMOND VA 23229 Primary SFR
27460054 STEIN, HOWARD 4911 BELLVIEW DRIVE BELLAIRE TX 77401 Primary PUD
27460658 BRUGEL, C 9502 LOCUST HILL DRI GREAT FALLS VA 22066 Primary SFR
27461664 SHAIKH, GULAM 1307 28TH AVENUE SAN FRANCIS CA 94122 Primary SFR
27462084 WILLIAMS, TODD 12 SANTA BARBARA LAGUNA NIGU CA 92677 Primary PUD
27464114 CHANDLER, STEPHEN 2018 HARDING AVE REDWOOD CIT CA 94061 Primary SFR
27464767 CLOPTON, JAMES 6485 BUCKEYE LANE GRANITE BAY CA 95746 Primary SFR
27466358 MOSES, THERESA 630SELAKE FOREST DRI PINEHURST NC 28374 Primary SFR
27468750 JENNINGS, SEAN 10013 COLEBROOK AVENU POTOMAC MD 20854 Primary SFR
27469113 LE, HUNG 2195 SHADOW RIDGE WA SAN JOSE CA 95138 Primary SFR
27469949 GRAHAM, DOUGLAS 2011 BEACON PLACE RESTON VA 20191 Primary PUD
27471770 FRIEDMAN, PATRICIA 12300 MCLENNAN AVENUE GRANADA HIL CA 91344 Primary SFR
27472562 HACKETT, STEVEN 915 AVON STREET BELMONT CA 94002 Primary SFR
27475334 LIU, BENG 2832 WOODLAWN AVENUE SAN MARINO CA 91108 Primary SFR
27475896 MCCLANAHAN, KEVIN 2088 VINTAGE LANE LIVERMORE CA 94550 Primary SFR
27476639 SCHOENSTEIN, RALPH 526 CORNELL AVENUE SAN MATEO CA 94402 Primary SFR
27477611 TRENBERTH, DEBORAH 16330 ALEXANDER AVENU MONTE SEREN CA 95030 Primary SFR
27484591 HAYES, JOHN 26 SILVERWOOD CT NORTH LITTL AR 72116 Primary SFR
27485499 HAWKINS, TIM 252 SHEARWATER ISLE FOSTER CITY CA 94404 Primary SFR
27489822 DENISON, PAUL 254 TORO CANYON R CARPINTERIA CA 93013 Secondary SFR
27491976 RHEAMS, RUSSELL 419 MERION GRANITE BAY CA 95746 Primary SFR
27500446 SCARRITT JR, THOMAS 824S ORLEANS AVENUE TAMPA FL 33606 Primary SFR
27502962 HAAS, ROBERT 3065 LUNADA LANE ALAMO CA 94507 Primary SFR
27507490 SCULLIN, DAVID 3912 WOODLAKE DRIVE PLANO TX 75093 Primary PUD
27515188 TRAVERSO, KENNETH 290 SHORELINE HIGHW MILL VALLEY CA 94941 Primary SFR
27521822 CHAN, EVA 136 TURQUOISE WAY SAN FRANCIS CA 94131 Primary SFR
27522028 CARDILLO, LOUIS 59 ROOSEVELT CIR PALO ALTO CA 94306 Primary SFR
27524289 GROSVENORJR, CHARLES 520 MADELINE DRIV PASADENA CA 91105 Primary SFR
27530567 CLOSSON, LAWRENCE 201 KENSINGTON WY LOS GATOS CA 95032 Primary SFR
27530963 VASSEL III, BRUNO 13 NORTHRIDGE WA SANDY UT 84092 Primary SFR
27536929 HURD, ALEC 9474 BROADMOOR DRIVE SAN RAMON CA 94583 Primary SFR
27538024 BUSSEY, SCOTT 13621SWAERIE DR. TIGARD OR 97224 Primary SFR
27538206 HEDRICK, DAVID 1843S OCEAN DRIVE JACKSONVILL FL 32250 Primary SFR
27543479 STIMSON, BRUCE 5138 LOCUST AVENUE CARMICHAEL CA 95608 Primary SFR
27544972 RODRIGUEZ, GILBERT 3200 FLORAMAR TERR NEW PORT RI FL 34652 Primary SFR
27546910 DAGARAG, RAYMUND 1427 E DIXON PLACE PLACENTIA CA 92870 Primary SFR
27547926 RAFAEL, WILLIAM 1955 SEABREEZE CT LEUCADIA CA 92024 Primary SFR
27552165 MEYERS, RONALD 790 ALLISON WAY SUNNYVALE CA 94087 Primary SFR
27552439 BOZMAN JR, JOSEPH 10634 E FERNWOOD LANE SCOTTSDALE AZ 85262 Secondary PUD
27555713 RICE, JULIE 5119 IPSWICH COURT NEWARK CA 94560 Primary SFR
27561893 ROBINSON, JOHN 1989 ASILOMAR DRIVE OAKLAND CA 94611 Primary SFR
27563147 MCCARTY, JOHN 11721E TERRA DRIVE SCOTTSDALE AZ 85259 Primary PUD
27572544 CAMPBELL, ROBERT 1720 PEARTREE LANE MOUNTAIN VI CA 94040 Primary SFR
27582485 KOLSKY, MARTIN 2810 44TH STREET NW WASHINGTON DC 20007 Primary SFR
27583160 CHENG, WAYNE 27702 GOLD DUST LANE LAGUNA HILL CA 92653 Primary PUD
27589712 HOLLIDAY SR, W 2040 BROOKVIEW DRIVE ATLANTA GA 30318 Primary SFR
27593912 ROBERSON, BRUCE 6849 GRENADIER BLVD NAPLES FL 34108 Secondary Condo
</TABLE>
<TABLE>
<CAPTION>
LOAN# TERM LTV RATE FIRSTPAYDT MAT DT PANDI SCHPTD ORIG BAL ACT BALANCE
- -----------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
21823398 360 65.7 6.875 1/1/99 12/1/28 3021.87 2/1/99 460000 455313.55
21922059 360 90.0 7.375 8/1/98 7/1/28 2436.36 2/1/99 352750 351114.53
21923792 360 80.0 7.000 10/1/98 9/1/28 1692.53 2/1/99 254400 253558.55
21934294 360 90.0 7.125 1/1/99 12/1/28 1805.57 2/1/99 268000 267075.67
21949698 360 72.9 7.125 7/1/98 6/1/28 2189.59 2/1/99 325000 322436.99
21972146 360 91.0 6.625 12/1/98 11/1/28 1599.18 2/1/99 249750 249085.29
21976998 360 64.4 7.375 1/1/99 12/1/28 2758.56 2/1/99 399400 399096.09
22001192 360 85.0 6.625 12/1/98 11/1/28 1611.98 2/1/99 251750 250803.45
22046239 360 80.0 6.750 12/1/98 11/1/28 2596.34 2/1/99 400300 399608.76
22097133 360 80.0 7.625 12/1/98 11/1/28 1787.81 2/1/99 252588 252036.03
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27268770 360 65.7 7.000 1/1/99 12/1/28 3060.4 2/1/99 460000 459243.66
27270115 360 61.9 7.125 1/1/99 12/1/28 1771.23 2/1/99 262903 262692.76
27272665 360 75.0 7.125 2/1/99 1/1/29 2417.81 2/1/99 358875 358875
27273663 360 80.0 6.750 1/1/99 12/1/28 1945.8 2/1/99 300000 299691.7
27276021 360 73.6 7.125 3/1/99 2/1/29 2728.57 2/1/99 405000 405000
27281914 360 90.0 7.625 1/1/99 12/1/28 2098.61 2/1/99 296500 296185.4
27285469 360 75.0 7.500 1/1/99 12/1/28 2359.85 2/1/99 337500 337249.53
27293885 360 80.0 6.875 2/1/99 1/1/29 2102.18 2/1/99 320000 320000
27294701 360 53.8 7.250 1/1/99 12/1/28 3670.11 2/1/99 538000 537580.31
27298629 360 76.1 7.250 1/1/99 12/1/28 1868.49 2/1/99 273900 273686.32
27298892 360 80.0 7.250 1/1/99 12/1/28 1909.42 2/1/99 279900 279681.64
27303825 360 80.0 6.875 1/1/99 12/1/28 2496.33 2/1/99 380000 379359.67
27304690 360 56.3 7.500 2/1/99 1/1/29 2048.7 2/1/99 293000 293000
27306992 360 80.0 7.375 1/1/99 12/1/28 1740.51 2/1/99 252000 251808.24
27308139 360 90.0 6.750 2/1/99 1/1/29 1867.97 2/1/99 288000 288000
27313527 360 45.8 7.000 2/1/99 1/1/29 1982.61 2/1/99 298000 295231.74
27313675 360 75.0 7.500 1/1/99 12/1/28 1809.22 2/1/99 258750 258557.97
27318385 360 75.3 7.000 2/1/99 1/1/29 2804.26 2/1/99 421500 421500
27320225 360 80.0 7.375 1/1/99 12/1/28 1712.88 2/1/99 248000 247811.29
27326925 360 70.0 7.125 2/1/99 1/1/29 3537.03 2/1/99 525000 525000
27330059 360 76.9 7.625 1/1/99 12/1/28 4083.97 2/1/99 577000 576582.38
27331099 360 53.8 7.000 2/1/99 1/1/29 1896.12 2/1/99 285000 285000
27333467 360 41.4 7.375 2/1/99 1/1/29 2486.44 2/1/99 360000 360000
27336809 360 65.5 7.500 1/1/99 12/1/28 2795.81 2/1/99 399850 399553.25
27336999 360 75.0 7.000 2/1/99 1/1/29 2534.81 2/1/99 381000 381000
27337013 360 80.0 7.375 1/1/99 12/1/28 2077.56 2/1/99 300800 300340.81
27337823 360 63.8 6.750 2/1/99 1/1/29 2172.81 2/1/99 335000 335000
27338409 360 80.0 7.750 1/1/99 12/1/28 2172.17 2/1/99 303200 302986
27339795 360 70.0 7.000 1/1/99 12/1/28 4284.55 2/1/99 644000 643472.12
27342567 360 69.3 7.375 1/1/99 12/1/28 1709.43 2/1/99 247500 247311.66
27347178 360 58.3 7.375 1/1/99 12/1/28 2072.03 2/1/99 300000 299771.72
27347764 360 75.8 7.250 2/1/99 1/1/29 2558.17 2/1/99 375000 375000
27349000 360 62.1 6.875 2/1/99 1/1/29 2325.53 2/1/99 354000 353028.13
27353234 360 75.0 7.125 2/1/99 1/1/29 4042.32 2/1/99 600000 600000
27353945 360 76.2 6.750 1/1/99 12/1/28 2075.52 2/1/99 320000 319724.48
27354141 360 74.6 7.250 1/1/99 12/1/28 2240.61 2/1/99 328450 328193.78
27360320 360 80.0 7.125 1/1/99 12/1/28 2048.11 2/1/99 304000 303756.89
27361104 360 43.6 7.375 1/1/99 12/1/28 2707.45 2/1/99 392000 391543.3
27361112 360 80.0 7.500 1/1/99 12/1/28 2080.87 2/1/99 297600 297379.13
27361443 360 62.5 6.875 2/1/99 1/1/29 1951.08 2/1/99 297000 297000
27363019 360 74.4 7.125 1/1/99 12/1/28 1785.36 2/1/99 265000 264788.08
27364868 360 75.0 7.125 1/1/99 12/1/28 1768.52 2/1/99 262500 262290.07
27367556 360 62.0 7.250 1/1/99 12/1/28 2537.7 2/1/99 372000 371709.8
27370246 360 90.0 7.000 2/1/99 1/1/29 1960.65 2/1/99 294700 294700
27370493 360 89.1 7.375 1/1/99 12/1/28 1951.85 2/1/99 282600 282384.96
27371293 360 64.1 7.125 2/1/99 1/1/29 2526.45 2/1/99 375000 375000
27371715 360 70.6 7.000 2/1/99 1/1/29 4224.68 2/1/99 635000 635000
27375328 360 56.1 7.375 1/1/99 12/1/28 1899.36 2/1/99 275000 274580.2
27376805 360 90.0 7.000 3/1/99 2/1/29 2101.7 2/1/99 315900 315900
27378694 360 78.8 7.125 1/1/99 12/1/28 3634.72 2/1/99 539500 539068.56
27381706 360 90.0 7.250 1/1/99 12/1/28 1774.35 2/1/99 260100 259897.09
27384957 240 68.5 7.625 2/1/99 1/1/19 2033.14 2/1/99 250000 249540.76
27387083 360 69.6 7.000 2/1/99 1/1/29 2328.56 2/1/99 350000 350000
27387935 360 60.0 7.750 1/1/99 12/1/28 1848.35 2/1/99 258000 257634.62
27388248 360 80.0 7.125 1/1/99 12/1/28 3762.05 2/1/99 558400 557953.45
27390913 360 69.6 7.375 1/1/99 12/1/28 2210.17 2/1/99 320000 319756.5
27391317 360 76.9 7.625 1/1/99 12/1/28 4490.96 2/1/99 634500 634040.76
27391549 360 74.2 7.625 1/1/99 12/1/28 2038.45 2/1/99 288000 287791.55
27399112 360 80.0 7.250 1/1/99 12/1/28 4240.07 2/1/99 621550 621065.13
27401660 360 71.4 7.375 1/1/99 12/1/28 1726.69 2/1/99 250000 249809.77
27402015 360 80.0 7.125 1/1/99 12/1/28 2452.34 2/1/99 364000 363708.91
27405851 360 73.2 6.875 2/1/99 1/1/29 2693.41 2/1/99 410000 410000
27407402 360 68.8 7.250 1/1/99 12/1/28 2251.19 2/1/99 330000 329434.75
27408111 360 75.0 7.375 2/1/99 1/1/29 1890.73 2/1/99 273750 273750
27408277 360 69.6 7.125 3/1/99 2/1/29 1874.96 2/1/99 278300 278300
27408384 360 78.1 7.500 2/1/99 1/1/29 1828.45 2/1/99 261500 261500
27408889 360 61.9 7.250 1/1/99 12/1/28 4433.81 2/1/99 649950 649442.97
27411065 360 80.0 7.250 1/1/99 12/1/28 3410.89 2/1/99 500000 499609.94
27411099 360 63.1 7.750 1/1/99 12/1/28 2802.97 2/1/99 391250 390973.85
27411594 360 80.0 7.375 1/1/99 12/1/28 2127.28 2/1/99 308000 307765.64
27411719 360 80.0 7.750 2/1/99 1/1/29 2186.5 2/1/99 305200 304981.08
27411925 360 80.0 7.250 2/1/99 1/1/29 3547.32 2/1/99 520000 520000
27412147 360 77.3 7.250 1/1/99 12/1/28 1739.55 2/1/99 255000 254801.08
27415009 360 80.0 7.125 1/1/99 12/1/28 2021.16 2/1/99 300000 299760.09
27421049 360 80.0 7.125 1/1/99 12/1/28 2091.23 2/1/99 310400 309751.77
27423094 360 80.0 7.250 2/1/99 1/1/29 2101.11 2/1/99 308000 307759.72
27424068 360 59.3 7.125 1/1/99 12/1/28 1798.83 2/1/99 267000 266786.48
27424449 360 80.0 7.250 1/1/99 12/1/28 2367.16 2/1/99 347000 345914.07
27424498 360 80.0 7.375 1/1/99 12/1/28 1740.51 2/1/99 252000 251808.24
27427269 360 59.0 6.750 2/1/99 1/1/29 3099.98 2/1/99 477950 477950
27429992 360 80.0 7.000 2/1/99 1/1/29 2485.57 2/1/99 373600 373600
27430701 360 80.0 7.875 1/1/99 12/1/28 3972.81 2/1/99 547920 547163.36
27431758 360 70.0 7.000 2/1/99 1/1/29 3143.56 2/1/99 472500 472500
27434448 360 80.0 7.250 1/1/99 12/1/28 2489.95 2/1/99 365000 364715.26
27435130 360 90.0 7.625 1/1/99 12/1/28 1815.5 2/1/99 256500 256314.34
27438233 360 75.0 7.625 2/1/99 1/1/29 1709.33 2/1/99 241500 241500
27439710 360 73.2 6.875 2/1/99 1/1/29 1970.79 2/1/99 300000 299718.75
27442508 360 78.6 7.000 2/1/99 1/1/29 3060.4 2/1/99 460000 460000
27442656 360 65.2 7.000 2/1/99 1/1/29 2195.5 2/1/99 330000 330000
27446046 360 75.0 7.750 2/1/99 1/1/29 2256.7 2/1/99 315000 315000
27446442 360 80.0 7.125 2/1/99 1/1/29 2640.31 2/1/99 391900 391900
27446798 360 70.0 7.125 2/1/99 1/1/29 1730.79 2/1/99 256900 256900
27453471 360 47.8 7.250 2/1/99 1/1/29 2182.97 2/1/99 320000 320000
27453588 360 73.4 7.375 1/1/99 12/1/28 4489.39 2/1/99 650000 649505.4
27453679 360 75.0 7.625 1/1/99 12/1/28 2441.89 2/1/99 345000 344750.3
27454545 360 80.0 7.625 2/1/99 1/1/29 3907.03 2/1/99 552000 552000
27456946 360 80.0 7.625 2/1/99 1/1/29 2010.14 2/1/99 284000 284000
27457043 360 72.3 7.000 2/1/99 1/1/29 1995.91 2/1/99 300000 300000
27459015 360 70.8 7.000 2/1/99 1/1/29 2188.85 2/1/99 329000 328730.32
27460054 360 48.0 6.500 2/1/99 1/1/29 1896.21 2/1/99 300000 300000
27460658 360 75.0 6.750 2/1/99 1/1/29 2046.33 2/1/99 315500 315500
27461664 360 90.0 7.500 2/1/99 1/1/29 2265.46 2/1/99 324000 324000
27462084 360 33.0 7.625 2/1/99 1/1/29 2123.39 2/1/99 300000 300000
27464114 360 77.8 7.125 2/1/99 1/1/29 2044.74 2/1/99 303500 303500
27464767 360 80.0 7.625 2/1/99 1/1/29 2893.47 2/1/99 408800 408800
27466358 360 90.0 7.125 2/1/99 1/1/29 2455.71 2/1/99 364500 364500
27468750 360 80.0 6.750 2/1/99 1/1/29 1867.97 2/1/99 288000 288000
27469113 360 67.1 7.000 2/1/99 1/1/29 3659.17 2/1/99 550000 550000
27469949 360 80.0 6.875 2/1/99 1/1/29 1644.95 2/1/99 250400 250189.63
27471770 360 75.0 7.000 2/1/99 1/1/29 1671.58 2/1/99 251250 251250
27472562 360 75.0 6.875 2/1/99 1/1/29 1970.79 2/1/99 300000 300000
27475334 360 80.0 7.125 2/1/99 1/1/29 2587.08 2/1/99 384000 384000
27475896 360 55.9 7.125 2/1/99 1/1/29 2411.92 2/1/99 358000 358000
27476639 360 56.5 7.000 2/1/99 1/1/29 2162.24 2/1/99 325000 325000
27477611 360 43.9 7.125 2/1/99 1/1/29 3681.88 2/1/99 546500 546500
27484591 360 78.1 7.125 2/1/99 1/1/29 2553.4 2/1/99 379000 379000
27485499 360 76.7 7.125 2/1/99 1/1/29 2694.88 2/1/99 400000 400000
27489822 360 21.5 6.750 2/1/99 1/1/29 1945.8 2/1/99 300000 299741.7
27491976 360 73.2 6.625 2/1/99 1/1/29 2881.4 2/1/99 450000 450000
27500446 360 51.1 7.250 2/1/99 1/1/29 2046.53 2/1/99 300000 300000
27502962 360 73.5 7.000 2/1/99 1/1/29 3326.52 2/1/99 500000 500000
27507490 360 66.7 7.125 2/1/99 1/1/29 4379.18 2/1/99 650000 650000
27515188 360 80.0 7.125 2/1/99 1/1/29 2155.9 2/1/99 320000 320000
27521822 360 47.4 6.875 2/1/99 1/1/29 1773.71 2/1/99 270000 270000
27522028 360 65.7 7.125 2/1/99 1/1/29 2189.59 2/1/99 325000 325000
27524289 360 57.3 7.125 2/1/99 1/1/29 3550.5 2/1/99 527000 527000
27530567 360 79.6 6.750 2/1/99 1/1/29 2075.52 2/1/99 320000 320000
27530963 360 60.5 7.000 2/1/99 1/1/29 2494.89 2/1/99 375000 375000
27536929 360 75.0 7.000 2/1/99 1/1/29 1821.27 2/1/99 273750 273750
27538024 360 72.3 7.125 2/1/99 1/1/29 1705.19 2/1/99 253100 253100
27538206 360 63.3 7.125 2/1/99 1/1/29 3368.6 2/1/99 500000 500000
27543479 360 76.8 7.125 2/1/99 1/1/29 3311.33 2/1/99 491500 491500
27544972 360 63.8 7.250 2/1/99 1/1/29 2046.53 2/1/99 300000 300000
27546910 360 89.9 7.000 2/1/99 1/1/29 2183.2 2/1/99 328150 328150
27547926 360 68.9 7.000 2/1/99 1/1/29 2162.24 2/1/99 325000 325000
27552165 360 65.9 7.000 2/1/99 1/1/29 2015.87 2/1/99 303000 302751.63
27552439 360 67.0 6.875 2/1/99 1/1/29 3941.58 2/1/99 600000 600000
27555713 360 90.0 7.000 2/1/99 1/1/29 1990.92 2/1/99 299250 299250
27561893 360 66.3 7.000 2/1/99 1/1/29 3129.59 2/1/99 470400 470400
27563147 360 78.7 7.125 2/1/99 1/1/29 2492.76 2/1/99 370000 370000
27572544 360 66.7 7.000 2/1/99 1/1/29 2661.21 2/1/99 400000 399672.12
27582485 360 37.4 7.000 2/1/99 1/1/29 4324.47 2/1/99 650000 650000
27583160 360 75.0 7.000 2/1/99 1/1/29 4011.78 2/1/99 603000 603000
27589712 360 75.0 7.125 2/1/99 1/1/29 2021.16 2/1/99 300000 300000
27593912 360 80.0 7.125 3/1/99 2/1/29 2506.24 2/1/99 372000 372000
Total Loans
Sched UPB
WAC
WAM
WOLTV
WCLTV
</TABLE>
<TABLE>
<CAPTION>
LOAN# SCH BALANCE PURP DOC APPRAISAL RTRM CLTV
- ------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C> <C>
21823398 454900.25 R/T REFI FULL/ALT 700000 358 65.0
21922059 350836.06 PURCH FULL/ALT 400000 353 89.6
21923792 253345.11 PURCH FULL/ALT 335000 355 79.7
21934294 267075.67 PURCH FULL/ALT 298000 358 89.6
21949698 322436.99 R/T REFI FULL/ALT 446000 352 72.3
21972146 249085.29 PURCH FULL/ALT 278000 357 90.8
21976998 398790.31 R/T REFI FULL/ALT 620000 358 64.4
22001192 250576.11 PURCH FULL/ALT 300000 357 84.7
22046239 399260.22 PURCH FULL/ALT 502000 357 79.9
22097133 252036.03 PURCH FULL/ALT 328000 357 79.8
22102750 242146.4 PURCH FULL/ALT 300000 356 89.8
22106074 349395.62 R/T REFI FULL/ALT 524000 358 66.7
22109110 319744.1 C/O REFI FULL/ALT 575000 359 55.7
22111827 293685.35 PURCH FULL/ALT 330000 356 89.7
22125595 246183.01 C/O REFI FULL/ALT 345000 355 71.4
22128854 240520.6 PURCH FULL/ALT 270000 357 89.8
22134100 302212.94 PURCH FULL/ALT 448000 357 70.0
22145189 249232.03 R/T REFI FULL/ALT 289500 356 86.1
22146443 256088.54 PURCH FULL/ALT 270000 358 94.9
22146740 278845.42 PURCH FULL/ALT 349400 357 79.9
22151708 268079.83 C/O REFI FULL/ALT 375000 358 71.5
22162838 349516.69 PURCH FULL/ALT 450000 358 77.7
22168439 359821.65 R/T REFI FULL/ALT 494000 357 72.9
22182125 262461.01 R/T REFI FULL/ALT 330000 297 79.6
22182455 274547.86 C/O REFI FULL/ALT 475000 358 57.9
22182646 474256.66 R/T REFI FULL/ALT 710000 358 66.8
22193288 579291.37 PURCH FULL/ALT 765000 357 79.9
22199616 311921.05 C/O REFI FULL/ALT 490000 357 63.7
22203608 409046.99 R/T REFI FULL/ALT 490000 354 83.6
22209373 304015.65 PURCH FULL/ALT 440500 356 69.1
22209548 294886.62 PURCH FULL/ALT 372000 357 79.8
22211007 249417.75 R/T REFI FULL/ALT 330000 358 75.6
22214142 446316.68 R/T REFI FULL/ALT 600000 355 74.5
22215057 260361.78 PURCH FULL/ALT 275000 355 94.7
22216386 599061.05 PURCH FULL/ALT 1300000 358 48.5
22220222 270570.99 R/T REFI FULL/ALT 410000 356 66.1
22221402 334434.1 R/T REFI FULL/ALT 465000 358 71.9
22223762 286550.87 R/T REFI FULL/ALT 395000 358 72.6
22226104 278230.3 PURCH FULL/ALT 351000 356 79.7
22233258 282460.01 R/T REFI FULL/ALT 355000 358 79.6
22234330 444949.9 R/T REFI FULL/ALT 650000 357 68.5
22238059 261932.31 R/T REFI FULL/ALT 335000 356 78.3
22244461 255382.18 PURCH FULL/ALT 320000 357 79.9
22245054 617611.96 PURCH FULL/ALT 775000 355 79.8
22245955 276122.36 R/T REFI FULL/ALT 346000 358 79.8
22246201 497951.77 PURCH FULL/ALT 634000 357 78.6
22250716 254994.87 PURCH FULL/ALT 324000 236 78.9
22253447 253050.68 PURCH FULL/ALT 325000 357 78.0
22256796 345934.04 R/T REFI FULL/ALT 600000 356 57.7
22256994 271143.52 R/T REFI FULL/ALT 350000 356 77.5
22267868 279254.79 PURCH FULL/ALT 335000 357 84.7
22270748 566166.83 R/T REFI FULL/ALT 750000 356 75.6
22272397 259096.97 PURCH FULL/ALT 325000 356 79.7
22274708 499363.82 R/T REFI FULL/ALT 630000 359 79.3
22277792 249088.6 PURCH FULL/ALT 400000 356 62.7
22278147 274647.68 PURCH FULL/ALT 328000 358 84.9
22278386 291839.97 PURCH FULL/ALT 308000 357 94.8
22278535 288259.29 R/T REFI FULL/ALT 375000 358 76.9
22280747 379375.22 R/T REFI FULL/ALT 475000 358 79.9
22285530 591803.34 R/T REFI FULL/ALT 784500 357 75.5
22291025 245420.81 PURCH FULL/ALT 290000 357 87.4
22292148 422527.3 C/O REFI FULL/ALT 605000 357 69.9
22292155 270900.97 PURCH FULL/ALT 310000 356 89.8
22294185 294526.76 C/O REFI FULL/ALT 425000 358 69.4
22294219 310700.78 PURCH FULL/ALT 390000 358 79.9
22294300 290934.51 PURCH FULL/ALT 365000 356 79.8
22295141 278847.15 R/T REFI FULL/ALT 305000 356 91.5
22295265 373759.64 PURCH FULL/ALT 560000 356 72.3
22301451 338929.41 R/T REFI FULL/ALT 567000 356 59.9
22302640 299542.04 PURCH FULL/ALT 335000 358 89.5
22305429 272434.3 C/O REFI FULL/ALT 370000 358 73.7
22306856 438579.98 R/T REFI FULL/ALT 680000 356 64.5
22307805 299007.72 R/T REFI FULL/ALT 685000 356 43.7
22308597 287070.52 PURCH FULL/ALT 370000 356 79.8
22309389 353057.81 PURCH FULL/ALT 450000 357 79.9
22311542 291222.84 PURCH FULL/ALT 365000 357 79.9
22313415 297462.84 PURCH FULL/ALT 345000 356 89.8
22313761 287502.69 PURCH FULL/ALT 360000 358 79.9
22314249 338456.19 R/T REFI FULL/ALT 430000 358 78.8
22314538 398960.97 PURCH FULL/ALT 672340 357 59.4
22314694 259572.51 PURCH FULL/ALT 330000 358 79.9
22315170 379375.22 R/T REFI FULL/ALT 480000 358 79.0
22316111 322759.45 PURCH FULL/ALT 360000 357 91.1
22318885 363444.34 PURCH FULL/ALT 455000 358 79.9
22318976 287514.71 PURCH FULL/ALT 320000 358 89.8
22319107 299431.27 R/T REFI FULL/ALT 500000 357 60.0
22320360 325209.34 R/T REFI FULL/ALT 362000 358 89.9
22321186 410569.06 PURCH FULL/ALT 522100 356 79.8
22321319 335228.27 PURCH FULL/ALT 420000 357 79.9
22321749 648957.31 PURCH FULL/ALT 915000 358 72.2
22324784 299239.54 R/T REFI FULL/ALT 760000 357 39.4
22324909 259112.74 PURCH FULL/ALT 325000 356 79.8
22324941 241943.01 R/T REFI FULL/ALT 323000 357 74.9
22325120 307160.16 PURCH FULL/ALT 385000 357 79.9
22325724 271055.31 PURCH FULL/ALT 345000 356 79.7
22326227 499062.53 C/O REFI FULL/ALT 725000 357 68.9
22326599 264859.28 R/T REFI FULL/ALT 370000 357 71.7
22327100 416433.46 PURCH FULL/ALT 522000 357 79.9
22328504 398436.09 R/T REFI FULL/ALT 525000 357 76.0
22328694 299427.45 C/O REFI FULL/ALT 505000 358 59.3
22329502 339548.04 R/T REFI FULL/ALT 465000 356 73.1
22329775 279539.62 PURCH FULL/ALT 370000 358 77.0
22330153 265807.74 R/T REFI FULL/ALT 313600 357 84.9
22330641 369038.93 C/O REFI FULL/ALT 500000 357 73.9
22330708 493087.94 PURCH FULL/ALT 625000 358 79.9
22331219 323677.42 R/T REFI FULL/ALT 430000 357 75.4
22331367 424683.17 R/T REFI FULL/ALT 640000 358 66.4
22332936 303210.36 R/T REFI FULL/ALT 695000 357 43.7
22332969 392965.52 R/T REFI FULL/ALT 675000 357 58.3
22333959 246173.34 C/O REFI FULL/ALT 375000 357 65.7
22339394 324452.35 C/O REFI FULL/ALT 500000 358 64.9
22339618 344268.9 PURCH FULL/ALT 435000 358 79.9
22340103 400781.51 R/T REFI FULL/ALT 940000 357 42.7
22340400 191041.44 PURCH FULL/ALT 240000 356 79.7
22340491 260984.08 R/T REFI FULL/ALT 500000 357 52.2
22340772 349155.32 R/T REFI FULL/ALT 450000 357 77.7
22341465 273549.49 R/T REFI FULL/ALT 370000 358 74.0
22341531 256781.27 R/T REFI FULL/ALT 375000 357 68.6
22341812 347139.22 R/T REFI FULL/ALT 450000 357 77.2
22341903 335127.24 C/O REFI FULL/ALT 455000 357 73.7
22343586 249618.37 R/T REFI FULL/ALT 284000 358 88.0
22344188 285038.27 R/T REFI FULL/ALT 775000 358 36.8
22344584 503171.35 PURCH FULL/ALT 650000 358 79.9
22344592 365697.73 R/T REFI FULL/ALT 605000 358 60.5
22344840 313496.3 R/T REFI FULL/ALT 400000 358 78.4
22346829 369420.99 R/T REFI FULL/ALT 476000 358 77.7
22347009 119707.67 PURCH FULL/ALT 150000 358 79.9
22347579 359393.37 PURCH FULL/ALT 451000 358 79.9
22347744 473825.1 R/T REFI FULL/ALT 595000 357 79.7
22347843 259572.51 C/O REFI FULL/ALT 360000 358 72.2
22347959 498182.88 C/O REFI FULL/ALT 735000 357 67.8
22348726 339440.98 PURCH FULL/ALT 640000 358 53.1
22349286 278542.62 PURCH FULL/ALT 330000 357 84.9
22349575 466688.03 R/T REFI FULL/ALT 705000 357 66.3
22350110 249598.97 C/O REFI FULL/ALT 341000 358 73.3
22350417 369391.65 PURCH FULL/ALT 465000 358 79.9
22350623 939883.17 PURCH FULL/ALT 1255000 358 74.9
22350672 331493.2 R/T REFI FULL/ALT 440000 358 75.4
22351548 598587.32 R/T REFI FULL/ALT 1100000 357 54.5
22351886 306801.59 R/T REFI FULL/ALT 435000 356 70.6
22352553 299518.76 R/T REFI FULL/ALT 550000 358 54.5
22353585 317880.83 PURCH FULL/ALT 380000 357 84.8
22355317 391323.1 PURCH FULL/ALT 490000 358 79.9
22355358 324465.65 C/O REFI FULL/ALT 525000 358 61.8
22357818 246214.09 PURCH FULL/ALT 264000 358 94.9
22358212 555752.67 R/T REFI FULL/ALT 800000 357 69.6
22358816 255335.01 PURCH FULL/ALT 350000 357 79.0
22359210 265851.28 R/T REFI FULL/ALT 343000 358 77.5
22359293 280669.05 PURCH FULL/ALT 352000 357 79.9
22359368 284519.75 R/T REFI FULL/ALT 380000 358 74.9
22359566 364097.2 C/O REFI FULL/ALT 500000 357 72.9
22359921 349713.11 R/T REFI FULL/ALT 490000 359 71.4
22360325 547120.94 C/O REFI FULL/ALT 850000 358 64.4
22361497 374025.95 R/T REFI FULL/ALT 510000 357 73.4
22361794 337223.68 R/T REFI FULL/ALT 500000 357 67.5
22362305 398961 C/O REFI FULL/ALT 575000 357 69.5
22363139 369361.09 C/O REFI FULL/ALT 530000 358 69.8
22363295 474179.75 R/T REFI FULL/ALT 645000 358 73.5
22363337 264344.53 PURCH FULL/ALT 374000 357 70.9
22363345 340147.15 PURCH FULL/ALT 430000 357 79.9
22363394 267748.05 R/T REFI FULL/ALT 350000 358 76.6
22363410 289546.18 C/O REFI FULL/ALT 465000 358 62.4
22363550 332135.01 R/T REFI FULL/ALT 420000 357 79.2
22363576 497160.84 R/T REFI FULL/ALT 769000 358 64.7
22364178 375334.4 R/T REFI FULL/ALT 700000 359 53.7
22364640 421339.59 R/T REFI FULL/ALT 618000 358 68.2
22365019 262578.11 R/T REFI FULL/ALT 340000 358 77.3
22365332 383336.9 R/T REFI FULL/ALT 480000 358 79.9
22365423 449222.94 R/T REFI FULL/ALT 700000 358 64.2
22365613 377363.06 R/T REFI FULL/ALT 500000 358 75.5
22365647 453484.56 R/T REFI FULL/ALT 650000 358 69.8
22365696 251101.78 PURCH FULL/ALT 315000 352 79.8
22365795 406582.94 PURCH FULL/ALT 539000 356 79.8
22365829 268546.72 R/T REFI FULL/ALT 350000 358 76.8
22365837 304226.86 R/T REFI FULL/ALT 500000 357 60.9
22365852 274285.7 C/O REFI FULL/ALT 475000 357 57.8
22366363 508720.01 PURCH FULL/ALT 650000 358 79.9
22366488 317132.88 PURCH FULL/ALT 385000 357 82.4
22366496 324438.78 C/O REFI FULL/ALT 580000 358 56.0
22366629 319460.78 R/T REFI FULL/ALT 365000 358 87.6
22367874 299111.42 C/O REFI FULL/ALT 425000 357 70.5
22368815 306547.27 R/T REFI FULL/ALT 360000 357 85.2
22368856 289534.8 PURCH FULL/ALT 435000 358 66.6
22368880 259884.5 R/T REFI FULL/ALT 340000 357 76.5
22369045 291519.89 R/T REFI FULL/ALT 340000 358 85.8
22369284 293254.76 PURCH FULL/ALT 519000 357 58.5
22369516 266805.17 PURCH FULL/ALT 387000 357 68.9
22370159 363885.79 R/T REFI FULL/ALT 480000 358 75.9
22370530 299506.75 R/T REFI FULL/ALT 525000 358 57.1
22370878 271552.8 R/T REFI FULL/ALT 360000 358 75.5
22370886 449241.71 PURCH FULL/ALT 765000 358 58.8
22371306 259561.87 R/T REFI FULL/ALT 325000 358 79.9
22371942 270772.32 R/T REFI FULL/ALT 408000 359 66.4
22372098 269049.33 PURCH FULL/ALT 340000 357 79.9
22372270 553066.47 R/T REFI FULL/ALT 1100000 358 50.4
22372288 251543.56 R/T REFI FULL/ALT 350000 356 71.9
22372593 304027.38 PURCH FULL/ALT 381000 357 79.8
22372601 289228.15 PURCH FULL/ALT 375000 357 78.2
22372726 272273.42 R/T REFI FULL/ALT 520000 357 52.4
22372783 593997.38 C/O REFI FULL/ALT 950000 358 62.6
22372809 397096.04 PURCH FULL/ALT 498000 358 79.9
22373187 283552.23 R/T REFI FULL/ALT 360000 357 78.9
22373740 299494.48 R/T REFI FULL/ALT 380000 358 78.9
22373880 333437.19 R/T REFI FULL/ALT 430000 358 77.6
22373898 386878.4 R/T REFI FULL/ALT 490000 358 79.0
22373989 541608.03 C/O REFI FULL/ALT 825000 358 65.6
22374060 428975.91 R/T REFI FULL/ALT 635000 358 67.6
22374086 308205.01 R/T REFI FULL/ALT 435000 357 71.0
22374201 324452.35 R/T REFI FULL/ALT 656000 358 49.5
22374417 484541.35 C/O REFI FULL/ALT 695000 357 69.8
22374516 399342.33 C/O REFI FULL/ALT 800000 358 50.0
22374698 244363.61 PURCH FULL/ALT 352000 357 69.6
22374847 269944.36 R/T REFI FULL/ALT 340000 358 79.5
22375083 471344.47 R/T REFI FULL/ALT 600000 359 78.6
22375455 307219.24 R/T REFI FULL/ALT 386000 357 79.7
22375463 260570.87 R/T REFI FULL/ALT 290000 358 89.9
22375471 261957.1 C/O REFI FULL/ALT 350000 358 74.9
22375570 257565.25 R/T REFI FULL/ALT 326000 358 79.1
22375828 663823.32 R/T REFI FULL/ALT 975000 358 68.1
22376123 272217.46 R/T REFI FULL/ALT 390000 358 69.8
22376784 413302.38 R/T REFI FULL/ALT 540000 358 76.6
22376909 330104.54 PURCH FULL/ALT 368000 356 89.7
22377451 268600.48 R/T REFI FULL/ALT 360000 357 74.7
22377683 540065.79 C/O REFI FULL/ALT 1015000 358 53.3
22377923 386992.14 R/T REFI FULL/ALT 495000 357 78.2
22378038 497439.54 R/T REFI FULL/ALT 895000 358 55.7
22378079 274268.08 C/O REFI FULL/ALT 475500 357 57.7
22378210 327447.3 R/T REFI FULL/ALT 410000 358 79.9
22378251 262068.4 R/T REFI FULL/ALT 350000 358 74.9
22378384 467230.52 R/T REFI FULL/ALT 585000 358 79.9
22378459 288910.03 R/T REFI FULL/ALT 378000 357 76.4
22378582 417278.18 R/T REFI FULL/ALT 760000 358 55.0
22378608 307219.24 R/T REFI FULL/ALT 400000 357 76.9
22378624 339467.93 R/T REFI FULL/ALT 425000 358 79.9
22378814 257421.96 R/T REFI FULL/ALT 335000 357 76.9
22378913 259324.63 PURCH FULL/ALT 325000 357 79.9
22379135 490668.09 R/T REFI FULL/ALT 665000 358 73.9
22379432 379012.96 R/T REFI FULL/ALT 500000 357 75.9
22379598 349155.32 R/T REFI FULL/ALT 452000 357 77.3
22379713 285007.76 PURCH FULL/ALT 340000 357 89.8
22380042 244536.35 C/O REFI FULL/ALT 328000 358 74.6
22380331 359393.37 R/T REFI FULL/ALT 465000 358 77.4
22380372 448831.1 PURCH FULL/ALT 695000 357 65.0
22380380 646881.02 R/T REFI FULL/ALT 960000 358 67.4
22380398 492169.27 R/T REFI FULL/ALT 635000 358 77.6
22380406 304284.78 PURCH FULL/ALT 382000 358 79.9
22380455 269545.04 R/T REFI FULL/ALT 370000 358 72.9
22380687 316694.66 PURCH FULL/ALT 430000 357 79.9
22380869 499136.58 R/T REFI FULL/ALT 900000 358 55.6
22381008 258363.91 PURCH FULL/ALT 330000 358 79.9
22381628 239795.26 C/O REFI FULL/ALT 330000 358 72.7
22381685 353451.77 R/T REFI FULL/ALT 560000 357 63.2
22381826 359378.36 PURCH FULL/ALT 512000 358 70.3
22382113 252093.47 C/O REFI FULL/ALT 337000 357 74.9
22382162 277566.61 C/O REFI FULL/ALT 400000 359 69.5
22382758 377363.04 R/T REFI FULL/ALT 475000 358 79.5
22383103 364384.94 R/T REFI FULL/ALT 460000 358 79.3
22383293 300716.84 R/T REFI FULL/ALT 335000 357 89.8
22383681 271530.3 R/T REFI FULL/ALT 340000 358 79.9
22383749 309613.98 R/T REFI FULL/ALT 392000 357 79.0
22384002 95930.13 PURCH FULL/ALT 132000 357 79.8
22384044 272689.04 R/T REFI FULL/ALT 445000 357 61.4
22384630 1164681.92 R/T REFI FULL/ALT 1950000 358 59.8
22384705 244576.93 R/T REFI FULL/ALT 307000 358 79.7
22384747 244456.1 C/O REFI FULL/ALT 350000 358 69.9
22384754 280764.32 C/O REFI FULL/ALT 390000 358 72.1
22384796 456311.63 C/O REFI FULL/ALT 610000 357 74.8
22384846 255568.62 R/T REFI FULL/ALT 320000 358 79.9
22384887 314393.11 R/T REFI FULL/ALT 540000 358 58.2
22385116 319767.23 R/T REFI FULL/ALT 576000 357 55.6
22385389 316854.45 PURCH FULL/ALT 400000 357 79.8
22385678 278774 C/O REFI FULL/ALT 382000 357 73.1
22385728 294305.42 R/T REFI FULL/ALT 375000 357 78.5
22385850 300273.59 R/T REFI FULL/ALT 1500000 357 20.1
22386023 568590.14 R/T REFI FULL/ALT 790000 357 72.1
22386197 366924.89 C/O REFI FULL/ALT 500000 358 73.4
22386627 253093.35 R/T REFI FULL/ALT 338000 358 74.9
22386809 259572.51 PURCH FULL/ALT 331000 358 79.9
22386858 649440.36 R/T REFI FULL/ALT 850000 359 76.5
22386940 329430.16 PURCH FULL/ALT 455000 358 75.2
22387013 348845.08 PURCH FULL/ALT 525000 357 66.5
22387336 310092.41 PURCH FULL/ALT 347000 357 89.8
22387526 351658.63 C/O REFI FULL/ALT 830000 357 42.4
22387534 434865.98 R/T REFI FULL/ALT 600000 358 72.5
22387559 247082.95 R/T REFI FULL/ALT 315000 358 78.5
22387716 317963.31 R/T REFI FULL/ALT 550000 358 57.9
22388243 429207.56 R/T REFI FULL/ALT 600000 358 71.6
22388292 449222.92 R/T REFI FULL/ALT 585000 358 76.9
22388300 307480.98 R/T REFI FULL/ALT 450000 358 68.4
22388383 288081.07 R/T REFI FULL/ALT 364000 358 79.2
22388433 305304.9 R/T REFI FULL/ALT 425000 357 71.8
22388458 349424.54 PURCH FULL/ALT 464000 358 75.7
22388987 319460.78 R/T REFI FULL/ALT 400000 358 79.9
22389100 289196.85 R/T REFI FULL/ALT 413000 357 70.1
22389209 392321.35 R/T REFI FULL/ALT 540000 358 72.7
22389407 403319.22 R/T REFI FULL/ALT 520000 358 77.6
22389415 503025.9 R/T REFI FULL/ALT 770000 238 65.5
22389589 269556.07 R/T REFI FULL/ALT 350000 358 77.1
22389985 248711.79 PURCH FULL/ALT 350000 356 71.1
22390116 419309.45 R/T REFI FULL/ALT 560000 358 74.9
22390207 267146.78 R/T REFI FULL/ALT 400000 237 66.8
22390314 449222.92 PURCH FULL/ALT 725000 358 65.2
22390348 372481.55 PURCH FULL/ALT 415000 357 89.8
22390603 271276.64 R/T REFI FULL/ALT 340000 357 79.8
22390678 434248.83 PURCH FULL/ALT 750000 358 58.7
22390694 418909.06 R/T REFI FULL/ALT 525000 357 79.9
22390728 425299.58 R/T REFI FULL/ALT 685000 358 62.1
22390751 255335.01 PURCH FULL/ALT 320000 357 79.9
22390843 259971.85 R/T REFI FULL/ALT 300000 358 86.7
22390918 271779.88 PURCH FULL/ALT 495000 358 54.9
22391148 271668.5 PURCH FULL/ALT 355000 357 79.9
22391171 245859.73 R/T REFI FULL/ALT 320000 357 76.9
22391221 353733.9 R/T REFI FULL/ALT 790000 358 44.8
22391692 367863.68 R/T REFI FULL/ALT 646000 358 57.0
22391742 241312.28 R/T REFI FULL/ALT 275000 358 87.8
22391817 319188.85 PURCH FULL/ALT 402000 357 79.9
22391924 250577.05 R/T REFI FULL/ALT 460000 358 54.6
22392187 123677.76 PURCH FULL/ALT 161000 357 79.9
22392542 250130.31 R/T REFI FULL/ALT 320000 357 78.2
22392898 259572.51 R/T REFI FULL/ALT 461000 358 56.4
22393128 244408.73 R/T REFI FULL/ALT 342500 357 71.4
22393169 303475.05 R/T REFI FULL/ALT 440000 358 69.0
22393409 613988.84 R/T REFI FULL/ALT 840000 358 73.2
22393417 370535.04 R/T REFI FULL/ALT 665000 357 55.8
22393474 548605.83 C/O REFI FULL/ALT 1050000 357 52.3
22393508 299120.2 PURCH FULL/ALT 375000 357 79.8
22393532 377363.06 R/T REFI FULL/ALT 500000 358 75.5
22393706 267559.34 R/T REFI FULL/ALT 365000 358 73.4
22394175 499177.91 R/T REFI FULL/ALT 775000 358 64.5
22394407 363401.5 R/T REFI FULL/ALT 455000 358 79.9
22394449 270343.69 C/O REFI FULL/ALT 370000 358 73.1
22394530 334421.53 R/T REFI FULL/ALT 512000 358 65.4
22394555 305471.6 C/O REFI FULL/ALT 474000 358 64.5
22394571 349090.88 PURCH FULL/ALT 460000 357 76.0
22394605 456616.07 PURCH FULL/ALT 595000 359 80.0
22394647 349175.92 R/T REFI FULL/ALT 465000 357 75.2
22395057 529084.79 R/T REFI FULL/ALT 1050000 358 50.5
22395263 304015.66 R/T REFI FULL/ALT 358000 356 85.0
22395438 251375.35 R/T REFI FULL/ALT 330000 358 76.2
22395594 275311.99 R/T REFI FULL/ALT 345000 358 79.9
22395743 374049.44 R/T REFI FULL/ALT 500000 357 74.9
22395974 498701.22 PURCH FULL/ALT 655000 357 79.8
22396352 297225.93 R/T REFI FULL/ALT 400000 357 74.4
22396469 247510.88 R/T REFI FULL/ALT 350000 358 70.8
22396592 267176.41 R/T REFI FULL/ALT 385000 358 69.4
22396618 247571.76 R/T REFI FULL/ALT 440000 358 56.4
22396626 275200.63 PURCH FULL/ALT 345000 357 79.9
22396733 324155.8 R/T REFI FULL/ALT 715000 357 45.4
22397004 431637.07 PURCH FULL/ALT 540000 359 79.9
22397053 289264.88 C/O REFI FULL/ALT 455000 357 63.6
22397129 247072.62 C/O REFI FULL/ALT 420000 358 58.9
22397244 259551.02 C/O REFI FULL/ALT 405000 358 64.1
22397368 316994.43 R/T REFI FULL/ALT 400000 357 79.4
22397418 248743.01 R/T REFI FULL/ALT 320000 358 77.8
22397541 304385.47 PURCH FULL/ALT 425000 358 71.7
22397657 399309.28 C/O REFI FULL/ALT 550000 358 72.7
22397715 301829.15 R/T REFI FULL/ALT 395000 238 76.6
22397848 374383.43 R/T REFI FULL/ALT 500000 358 74.9
22397871 439258.57 PURCH FULL/ALT 550000 358 79.9
22397970 319460.78 C/O REFI FULL/ALT 525000 358 60.9
22398085 273088.79 R/T REFI FULL/ALT 378000 357 72.3
22398242 306495.24 R/T REFI FULL/ALT 410000 358 74.8
22398408 263986.23 C/O REFI FULL/ALT 365000 358 72.4
22398416 264553.46 PURCH FULL/ALT 425000 358 65.8
22398473 294252.22 R/T REFI FULL/ALT 385000 357 76.5
22398622 307180.27 PURCH FULL/ALT 400000 357 76.8
22398804 303999.34 R/T REFI FULL/ALT 381500 358 79.8
22398853 316176.59 R/T REFI FULL/ALT 400000 357 79.2
22398903 536072.71 R/T REFI FULL/ALT 900000 358 59.6
22398945 274958.23 R/T REFI FULL/ALT 310000 358 88.8
22399125 385296.1 R/T REFI FULL/ALT 510000 358 75.6
22399166 346996.34 PURCH FULL/ALT 438000 357 79.9
22399299 252584.01 R/T REFI FULL/ALT 319000 358 79.2
22399349 359064.88 PURCH FULL/ALT 460000 357 79.9
22399596 300641.97 C/O REFI FULL/ALT 401500 358 74.9
22399844 257093.25 R/T REFI FULL/ALT 552000 357 46.6
22399851 288719.28 R/T REFI FULL/ALT 315000 357 91.7
22399943 439839.18 R/T REFI FULL/ALT 711500 358 61.9
22400089 282364.66 R/T REFI FULL/ALT 355000 357 79.6
22400261 289834.91 R/T REFI FULL/ALT 378000 358 76.7
22401061 467191.85 R/T REFI FULL/ALT 650000 358 71.9
22401111 319460.76 R/T REFI FULL/ALT 500000 358 63.9
22401418 279236.52 R/T REFI FULL/ALT 315000 357 88.7
22401475 392448.52 PURCH FULL/ALT 495000 357 79.8
22401533 399309.26 R/T REFI FULL/ALT 670000 358 59.7
22401640 332686.57 R/T REFI FULL/ALT 417000 357 79.8
22401665 120693.27 PURCH FULL/ALT 153500 357 79.9
22401731 215508.58 PURCH FULL/ALT 270000 358 79.9
22401988 275247.41 PURCH FULL/ALT 345000 357 79.8
22402333 277987.79 R/T REFI FULL/ALT 350000 358 79.4
22402614 246783.45 PURCH FULL/ALT 310000 358 79.9
22402697 297126.21 R/T REFI FULL/ALT 352000 357 84.5
22402713 413319.3 R/T REFI FULL/ALT 800000 358 51.8
22403158 349410.23 C/O REFI FULL/ALT 800000 358 43.7
22403323 281310.04 R/T REFI FULL/ALT 363000 357 77.6
22403950 384367 PURCH FULL/ALT 486000 358 79.2
22404115 278400.29 R/T REFI FULL/ALT 354000 358 78.7
22404412 622931.1 C/O REFI FULL/ALT 1000000 357 62.3
22404990 648877.57 C/O REFI FULL/ALT 1600000 358 40.6
22405146 250167.26 R/T REFI FULL/ALT 315000 358 79.5
22405179 439240.19 R/T REFI FULL/ALT 562000 358 78.2
22405211 258941.95 PURCH FULL/ALT 326000 357 79.9
22405229 279528.17 R/T REFI FULL/ALT 410000 358 68.2
22405724 327127.04 PURCH FULL/ALT 434000 357 79.9
22405757 346618.99 R/T REFI FULL/ALT 650000 238 53.4
22406243 648904.71 R/T REFI FULL/ALT 1350000 358 48.1
22406383 279712.01 R/T REFI FULL/ALT 328000 239 85.4
22406524 407937.61 C/O REFI FULL/ALT 631500 357 64.7
22406573 244050.85 R/T REFI FULL/ALT 290000 297 84.3
22406672 399274.84 PURCH FULL/ALT 765000 358 52.3
22406680 408949.35 R/T REFI FULL/ALT 650000 358 63.0
22406730 393053.3 C/O REFI FULL/ALT 525000 358 74.9
22406961 253960.71 R/T REFI FULL/ALT 355000 358 71.6
22407159 539594.74 R/T REFI FULL/ALT 1300000 357 41.5
22407514 468749.11 PURCH FULL/ALT 605000 357 79.2
22407563 278791.5 R/T REFI FULL/ALT 448000 357 62.3
22407688 459224.86 R/T REFI FULL/ALT 700000 358 65.6
22409791 78989.2 PURCH FULL/ALT 102000 357 79.9
22410005 543439.48 R/T REFI FULL/ALT 790000 357 68.8
22410179 423948.77 R/T REFI FULL/ALT 750000 357 56.6
22410385 289534.82 R/T REFI FULL/ALT 377000 358 76.9
22411656 610909.03 R/T REFI FULL/ALT 800000 357 76.5
22412068 398935.42 PURCH FULL/ALT 589000 357 68.1
22412092 259593.12 C/O REFI FULL/ALT 560000 358 46.4
22412316 420428.06 PURCH FULL/ALT 535000 357 79.9
22412399 371532.42 R/T REFI FULL/ALT 555000 357 66.9
22412464 250806.89 R/T REFI FULL/ALT 325000 358 77.2
22412548 298672.18 R/T REFI FULL/ALT 650000 357 46.0
22412670 504169.69 R/T REFI FULL/ALT 730000 358 69.1
22413504 249546.75 PURCH FULL/ALT 340000 358 73.5
22413793 299747.96 R/T REFI FULL/ALT 375000 359 80.0
22414130 343420.33 PURCH FULL/ALT 430000 358 79.9
22414189 269315.6 PURCH FULL/ALT 495000 357 60.2
22414205 618902.96 R/T REFI FULL/ALT 1060000 358 58.4
22414288 284259.73 R/T REFI FULL/ALT 374500 357 76.0
22415079 513533.19 R/T REFI FULL/ALT 883000 358 58.3
22415160 279516.48 PURCH FULL/ALT 350000 358 79.9
22415178 294502.9 R/T REFI FULL/ALT 424000 358 69.5
22415392 310061.18 PURCH FULL/ALT 389000 357 79.8
22416077 283834.67 R/T REFI FULL/ALT 321000 357 88.4
22416093 269315.59 R/T REFI FULL/ALT 415000 357 65.0
22416416 354077.91 C/O REFI FULL/ALT 480000 357 73.9
22416440 287780.85 R/T REFI FULL/ALT 305000 355 94.4
22416457 302173.78 PURCH FULL/ALT 400000 357 79.9
22416473 293304.03 R/T REFI FULL/ALT 380000 358 77.2
22416663 294772.67 PURCH FULL/ALT 388000 356 79.7
22416796 525082.56 R/T REFI FULL/ALT 1500000 357 35.0
22417166 301334.2 PURCH FULL/ALT 323000 357 94.8
22417257 265571.3 PURCH FULL/ALT 340000 357 79.9
22417380 375046.89 PURCH FULL/ALT 485000 357 79.9
22417612 336858.76 R/T REFI FULL/ALT 445000 358 75.8
22417620 274268.08 C/O REFI FULL/ALT 380000 357 72.2
22417737 368064.64 R/T REFI FULL/ALT 500000 357 73.7
22418727 278759.79 PURCH FULL/ALT 382000 359 73.6
22418925 303018.83 R/T REFI FULL/ALT 386000 357 78.6
22418958 240403.89 R/T REFI FULL/ALT 335000 357 71.8
22419980 241620.75 PURCH FULL/ALT 260000 357 94.8
22420137 254570.31 C/O REFI FULL/ALT 340000 358 74.9
22420210 291421.38 C/O REFI FULL/ALT 390000 357 74.8
22420251 254537.71 R/T REFI FULL/ALT 357000 358 71.4
22420269 300966.51 C/O REFI FULL/ALT 425000 358 70.9
22420376 448886.94 R/T REFI FULL/ALT 655000 357 68.6
22420384 305012.43 PURCH FULL/ALT 340000 356 89.7
22420798 341394.86 R/T REFI FULL/ALT 456000 358 74.9
22421259 299481.95 R/T REFI FULL/ALT 800000 358 37.4
22421531 246403.89 R/T REFI FULL/ALT 310000 357 79.6
22421960 274319.8 R/T REFI FULL/ALT 400000 357 68.7
22421986 268084.58 R/T REFI FULL/ALT 336000 357 79.9
22422141 289511.32 R/T REFI FULL/ALT 365000 358 79.4
22422174 581789.7 R/T REFI FULL/ALT 825000 357 70.6
22422463 585475.27 R/T REFI FULL/ALT 1300000 357 45.1
22422760 279527.65 R/T REFI FULL/ALT 355000 357 78.9
22422927 344418.64 C/O REFI FULL/ALT 460000 358 74.9
22423743 398935.42 PURCH FULL/ALT 880000 357 47.0
22423909 341420.39 R/T REFI FULL/ALT 470000 358 72.7
22424402 327433.59 R/T REFI FULL/ALT 410000 358 79.9
22424436 247323.76 R/T REFI FULL/ALT 315000 357 78.6
22424469 275534.93 PURCH FULL/ALT 350000 358 79.8
22424477 291191.63 R/T REFI FULL/ALT 365000 357 79.9
22424600 296957.54 PURCH FULL/ALT 425500 357 69.9
22424857 453818.15 R/T REFI FULL/ALT 700000 357 64.9
22425516 399325.97 PURCH FULL/ALT 500000 358 79.9
22425755 399309.28 C/O REFI FULL/ALT 541400 358 73.8
22426597 292291.56 R/T REFI FULL/ALT 370000 358 79.0
22426795 270543.34 R/T REFI FULL/ALT 400000 358 67.7
22426803 371458.43 R/T REFI FULL/ALT 475000 357 78.3
22427025 291483.32 PURCH FULL/ALT 367000 358 79.9
22427405 245585.49 R/T REFI FULL/ALT 285000 358 86.2
22427421 647343.05 C/O REFI FULL/ALT 1050000 358 61.7
22427660 247005.09 PURCH FULL/ALT 265000 358 94.9
22427686 331855.8 R/T REFI FULL/ALT 550000 238 60.3
22427801 384351.25 C/O REFI FULL/ALT 520000 358 74.0
22428148 649467.2 R/T REFI FULL/ALT 980000 359 66.3
22428411 311348.12 PURCH FULL/ALT 390000 358 79.9
22428494 389358.78 R/T REFI FULL/ALT 460000 358 84.7
22429179 390478.31 R/T REFI FULL/ALT 700000 357 55.8
22429286 636236.42 R/T REFI FULL/ALT 1100000 357 57.8
22429989 384335.17 R/T REFI FULL/ALT 550000 358 69.9
22431852 93356.87 PURCH FULL/ALT 117000 357 79.9
22431878 244877.7 R/T REFI FULL/ALT 380000 357 64.5
22432041 403549.06 PURCH FULL/ALT 520000 357 79.7
22432280 325686.64 C/O REFI FULL/ALT 435000 358 74.9
22432355 498763.25 C/O REFI FULL/ALT 720000 357 69.3
22432389 256315.99 R/T REFI FULL/ALT 450000 357 57.0
22432637 335127.24 R/T REFI FULL/ALT 435000 357 77.1
22432652 260775.29 R/T REFI FULL/ALT 327000 359 79.8
22432678 256546.9 R/T REFI FULL/ALT 345000 358 74.4
22432702 298378.15 R/T REFI FULL/ALT 335000 357 89.2
22433023 264475.07 PURCH FULL/ALT 295000 358 89.9
22433130 271169.34 R/T REFI FULL/ALT 342000 358 79.4
22433155 249478.15 R/T REFI FULL/ALT 317500 358 78.6
22433395 287390.58 R/T REFI FULL/ALT 361000 358 79.7
22433486 278705.98 PURCH FULL/ALT 350000 358 79.9
22433817 463792.14 R/T REFI FULL/ALT 640000 357 72.6
22434146 579046.37 PURCH FULL/ALT 740000 358 79.4
22436091 309464.69 C/O REFI FULL/ALT 450000 358 68.8
22436364 286757.54 R/T REFI FULL/ALT 370000 357 77.5
22436661 269281.4 C/O REFI FULL/ALT 360000 357 74.9
22436802 279029.02 PURCH FULL/ALT 350000 358 79.9
22437909 498798.58 PURCH FULL/ALT 625000 358 79.9
22439608 252593.5 PURCH FULL/ALT 266500 357 94.9
22439756 349155.35 PURCH FULL/ALT 510000 357 68.5
22440440 348487.5 PURCH FULL/ALT 548000 357 76.1
22440465 299530.53 PURCH FULL/ALT 325000 358 93.3
22440515 326398.6 R/T REFI FULL/ALT 510000 357 64.0
22440655 261283.37 R/T REFI FULL/ALT 500000 357 52.3
22440911 444286.16 R/T REFI FULL/ALT 810000 358 54.9
22440960 145257.19 PURCH FULL/ALT 188900 357 79.8
22442230 259324.63 C/O REFI FULL/ALT 700000 357 37.1
22442990 394411.87 R/T REFI FULL/ALT 575000 358 68.6
22443907 328485.15 PURCH FULL/ALT 367000 358 89.9
22445027 245448.86 R/T REFI FULL/ALT 340000 357 72.3
22445662 335187.55 PURCH FULL/ALT 380000 358 89.9
22446223 399358.34 PURCH FULL/ALT 587000 358 68.3
22446371 258484.69 PURCH FULL/ALT 371000 358 69.9
22446777 617434.7 R/T REFI FULL/ALT 828000 358 74.7
22447221 246632.23 R/T REFI FULL/ALT 285000 358 86.6
22449367 298840.57 PURCH FULL/ALT 374500 357 79.8
22451132 505208.16 C/O REFI FULL/ALT 728000 358 69.5
22452015 319447.42 PURCH FULL/ALT 402000 358 79.9
22452064 478192.86 R/T REFI FULL/ALT 715000 358 66.9
22452601 306378.83 PURCH FULL/ALT 383875 358 79.8
22453880 315255.99 PURCH FULL/ALT 400000 357 79.9
22455604 367133.55 R/T REFI FULL/ALT 460000 357 79.9
22455711 299518.76 R/T REFI FULL/ALT 500000 358 60.0
22458947 254099.47 R/T REFI FULL/ALT 318500 357 79.8
22459291 273869.51 PURCH FULL/ALT 305000 357 89.9
22459465 424651.63 C/O REFI FULL/ALT 700000 359 60.7
22459481 315002.47 PURCH FULL/ALT 395000 358 79.8
22459937 268589.36 R/T REFI FULL/ALT 466000 358 57.6
22459994 312522.19 PURCH FULL/ALT 410000 358 79.1
22463970 319935.94 R/T REFI FULL/ALT 406000 358 78.9
22464507 309514.88 R/T REFI FULL/ALT 425000 358 72.8
22465017 277711.37 PURCH FULL/ALT 350000 357 79.9
22467419 263177.16 R/T REFI FULL/ALT 330000 358 79.8
22468334 591671.46 R/T REFI FULL/ALT 1225000 357 48.3
22468417 261579.71 C/O REFI FULL/ALT 350000 358 74.8
22469019 253193.2 PURCH FULL/ALT 318000 358 79.9
22469563 283566.47 R/T REFI FULL/ALT 375000 358 75.7
22469704 253705.26 R/T REFI FULL/ALT 343500 357 73.9
22470025 290331.65 R/T REFI FULL/ALT 469000 357 62.0
22470736 245633.72 R/T REFI FULL/ALT 309000 358 79.6
22471106 347056.05 PURCH FULL/ALT 390000 358 89.9
22471171 349238.88 R/T REFI FULL/ALT 500000 358 69.9
22471247 367089.76 PURCH FULL/ALT 460000 357 79.8
22471403 317489.91 PURCH FULL/ALT 360000 358 89.9
22473458 274536.62 C/O REFI FULL/ALT 372000 358 73.9
22473540 252344.16 R/T REFI FULL/ALT 390000 358 64.8
22474340 314494.69 PURCH FULL/ALT 430000 358 75.8
22474720 453615.34 PURCH FULL/ALT 575000 358 79.9
22474738 341309.6 R/T REFI FULL/ALT 490000 358 69.7
22474753 306469.87 R/T REFI FULL/ALT 403000 358 76.1
22474894 365582.92 R/T REFI FULL/ALT 560000 358 65.3
22476063 349155.35 PURCH FULL/ALT 555000 357 63.0
22476972 262873.31 PURCH FULL/ALT 330000 357 79.7
22477145 422338.04 PURCH FULL/ALT 475000 358 89.9
22477822 260551.99 R/T REFI FULL/ALT 290000 358 89.9
22479430 323480.26 PURCH FULL/ALT 410000 358 79.9
22479463 132970.3 PURCH FULL/ALT 170000 357 79.7
22479851 311535.45 R/T REFI FULL/ALT 420000 358 74.2
22479976 575139.71 PURCH FULL/ALT 725000 359 80.0
22480016 273332.1 C/O REFI FULL/ALT 365000 358 74.9
22480933 528192.48 R/T REFI FULL/ALT 725000 358 72.9
22481287 260593.26 PURCH FULL/ALT 275000 357 94.8
22481444 259048.21 R/T REFI FULL/ALT 325000 358 79.8
22481733 299239.54 PURCH FULL/ALT 375500 357 79.9
22482236 426493.45 R/T REFI FULL/ALT 600000 357 71.2
22482392 299542.04 PURCH FULL/ALT 428000 358 70.2
22482988 299542.04 R/T REFI FULL/ALT 375000 358 79.9
22483317 314507.05 PURCH FULL/ALT 410000 358 79.9
22483374 269280.22 R/T REFI FULL/ALT 419000 358 64.3
22484695 399389.39 PURCH FULL/ALT 447000 358 89.8
22485841 243578.97 R/T REFI FULL/ALT 310000 358 78.6
22485957 347441.77 R/T REFI FULL/ALT 435000 358 79.9
22486252 265593.94 R/T REFI FULL/ALT 280000 358 94.9
22486567 299293.66 PURCH FULL/ALT 502500 357 62.7
22487334 550559.38 R/T REFI FULL/ALT 800000 356 68.9
22487417 319523.54 R/T REFI FULL/ALT 400000 358 79.9
22488498 94952.71 PURCH FULL/ALT 120000 357 79.8
22488506 280122.32 PURCH FULL/ALT 354000 357 79.9
22489231 295763.29 PURCH FULL/ALT 400000 359 80.0
22489777 329483.58 R/T REFI FULL/ALT 480000 358 68.7
22490445 384382.41 PURCH FULL/ALT 660000 358 58.7
22492151 294526.78 R/T REFI FULL/ALT 810000 358 36.4
22493357 298609.12 PURCH FULL/ALT 375000 354 79.7
22493621 349452.27 PURCH FULL/ALT 490000 358 71.4
22493712 279572.57 R/T REFI FULL/ALT 350000 358 79.9
22493779 278390.36 PURCH FULL/ALT 336000 357 89.9
22493845 138976.7 PURCH FULL/ALT 180000 358 79.9
22494454 319544.26 R/T REFI FULL/ALT 430000 359 74.4
22494462 311523.72 PURCH FULL/ALT 399000 358 79.9
22494637 287775.33 C/O REFI FULL/ALT 430000 359 67.0
22495477 349215.87 R/T REFI FULL/ALT 475000 357 73.6
22495535 308516.46 R/T REFI FULL/ALT 580000 358 53.3
22497168 314054.33 R/T REFI FULL/ALT 705000 358 44.6
22497283 499197.95 PURCH FULL/ALT 660000 358 76.9
22497598 328729.64 PURCH FULL/ALT 760000 358 43.9
22500086 256289.74 PURCH FULL/ALT 288000 359 90.0
22500235 289523.19 PURCH FULL/ALT 357000 358 84.0
22501225 269607.93 PURCH FULL/ALT 310000 358 89.9
22501480 291312.49 PURCH FULL/ALT 365000 357 79.9
22501621 553653.55 R/T REFI FULL/ALT 810000 358 68.4
22501670 381801.58 PURCH FULL/ALT 478000 358 79.9
22502132 243608.6 R/T REFI FULL/ALT 275000 358 88.7
22502918 292053.49 C/O REFI FULL/ALT 390000 358 74.9
22502991 304557.1 PURCH FULL/ALT 455000 358 67.0
22503288 266602.44 R/T REFI FULL/ALT 350000 358 76.2
22503395 271293.41 R/T REFI FULL/ALT 425000 359 63.9
22503577 404300.63 R/T REFI FULL/ALT 520000 358 77.8
22503924 269784.09 R/T REFI FULL/ALT 345000 359 78.3
22505663 479267.28 R/T REFI FULL/ALT 630000 358 76.1
22505788 387377.6 PURCH FULL/ALT 490000 358 79.9
22505978 248101.38 R/T REFI FULL/ALT 345000 358 72.0
22506034 292767.85 C/O REFI FULL/ALT 391000 358 74.8
22506257 263576.51 R/T REFI FULL/ALT 345000 358 76.5
22507222 318176.47 PURCH FULL/ALT 625000 353 51.4
22507271 304435.23 PURCH FULL/ALT 340000 354 89.5
22507347 264704.55 PURCH FULL/ALT 329000 354 94.6
22507370 265573.29 PURCH FULL/ALT 307000 358 94.8
22507727 292133.33 R/T REFI FULL/ALT 455000 358 64.3
22507982 315653.04 R/T REFI FULL/ALT 515000 355 61.4
22508378 318705.21 PURCH FULL/ALT 475000 355 79.7
22508550 345027.71 PURCH FULL/ALT 385000 355 89.7
22509368 269666.72 R/T REFI FULL/ALT 390000 358 69.2
22509673 241942.04 R/T REFI FULL/ALT 360000 355 67.3
22509863 242963.22 R/T REFI FULL/ALT 440000 355 55.3
22509871 584084.54 R/T REFI FULL/ALT 750000 358 77.9
22510374 418644.51 C/O REFI FULL/ALT 600000 356 69.8
22510689 284542.82 PURCH FULL/ALT 358000 358 79.6
22510887 287386.25 R/T REFI FULL/ALT 385000 357 74.7
22511125 299239.54 C/O REFI FULL/ALT 400000 357 74.9
22511596 329443.93 R/T REFI FULL/ALT 425000 358 77.5
22511661 292153.25 R/T REFI FULL/ALT 375000 358 78.0
22512214 349726.96 PURCH FULL/ALT 500000 359 77.3
22513022 273481.12 R/T REFI FULL/ALT 345000 358 79.3
22513485 534383 PURCH FULL/ALT 669000 358 79.9
22513964 249627.76 C/O REFI FULL/ALT 356000 358 70.2
22514590 331367.58 PURCH FULL/ALT 416000 358 79.9
22515100 306718.49 PURCH FULL/ALT 430000 358 71.4
22515225 648957.33 PURCH FULL/ALT 1400000 358 46.4
22515290 351581.56 R/T REFI FULL/ALT 450000 358 78.2
22516140 374707.47 PURCH FULL/ALT 501000 359 74.8
22516652 299530.53 PURCH FULL/ALT 325000 358 94.6
22517486 283673.85 PURCH FULL/ALT 361000 358 79.9
22517809 268668.32 PURCH FULL/ALT 300000 358 89.9
22517841 295325.5 PURCH FULL/ALT 320000 358 94.8
22518963 335447.55 C/O REFI FULL/ALT 468000 358 71.7
22519227 451842.9 R/T REFI FULL/ALT 600000 358 75.4
22519813 272882.8 R/T REFI FULL/ALT 425000 358 64.2
22520019 349720.12 C/O REFI FULL/ALT 1145000 359 30.6
22520290 275354.08 PURCH FULL/ALT 350000 358 79.9
22520811 268379.35 PURCH FULL/ALT 338000 358 79.9
22521165 241630.59 C/O REFI FULL/ALT 485000 358 49.9
22521330 293539.91 R/T REFI FULL/ALT 374000 358 78.5
22521959 264585.29 R/T REFI FULL/ALT 352000 358 75.2
22522155 246542.7 C/O REFI FULL/ALT 335000 359 73.7
22522254 249593.09 PURCH FULL/ALT 320000 358 79.7
22522338 483261.16 PURCH FULL/ALT 605000 358 79.9
22522411 291586.48 R/T REFI FULL/ALT 365000 358 79.9
22522577 243368.55 R/T REFI FULL/ALT 311000 358 78.3
22522775 424900.24 PURCH FULL/ALT 550000 358 79.9
22523492 324104.5 R/T REFI FULL/ALT 410000 358 79.1
22523500 244366.98 PURCH FULL/ALT 307000 358 79.9
22523575 290798.76 PURCH FULL/ALT 380000 358 79.9
22523633 299261.67 PURCH FULL/ALT 460000 358 65.4
22524011 339728.1 R/T REFI FULL/ALT 425000 359 80.0
22524102 318728.91 PURCH FULL/ALT 375000 357 89.9
22524607 372885.21 R/T REFI FULL/ALT 415000 358 89.9
22524870 319393.99 PURCH FULL/ALT 403000 358 79.9
22525315 274580.2 C/O REFI FULL/ALT 525000 358 52.4
22525463 254211.35 PURCH FULL/ALT 268000 358 94.9
22525745 282068.76 R/T REFI FULL/ALT 470000 358 60.1
22525877 243310.05 R/T REFI FULL/ALT 322000 359 75.6
22526396 449640.14 PURCH FULL/ALT 625000 359 73.5
22526412 256587.74 R/T REFI FULL/ALT 360000 358 71.3
22526818 395395.51 PURCH FULL/ALT 496800 358 79.9
22528426 544081.65 C/O REFI FULL/ALT 850000 358 64.1
22528954 279561.84 R/T REFI FULL/ALT 370000 358 75.6
22529358 246404.1 PURCH FULL/ALT 309000 358 79.9
22529424 311774.18 R/T REFI FULL/ALT 410000 359 76.1
22529531 255090.13 PURCH FULL/ALT 320000 358 79.9
22529937 270336.7 C/O REFI FULL/ALT 361000 358 74.9
22530331 260322.05 C/O REFI FULL/ALT 359000 357 72.4
22531115 380453.64 PURCH FULL/ALT 490000 357 79.9
22531404 264585.29 R/T REFI FULL/ALT 365000 358 72.5
22531461 261850.71 C/O REFI FULL/ALT 350000 357 74.9
22531917 267969.44 PURCH FULL/ALT 344000 358 79.9
22532758 331467.42 PURCH FULL/ALT 418000 358 79.9
22533228 287538.01 PURCH FULL/ALT 362000 358 79.9
22534077 249588.95 R/T REFI FULL/ALT 375000 358 66.6
22534416 318199.58 R/T REFI FULL/ALT 375000 358 84.9
22534499 318872.12 PURCH FULL/ALT 400000 358 79.7
22535231 283344.73 PURCH FULL/ALT 316000 358 89.9
22537039 339454.59 PURCH FULL/ALT 425000 358 79.9
22537096 264564.3 PURCH FULL/ALT 416000 358 63.6
22537211 276885.58 C/O REFI FULL/ALT 380000 358 72.9
22538649 260601.58 PURCH FULL/ALT 294000 358 89.9
22539076 449278.13 PURCH FULL/ALT 580000 359 77.5
22539712 275568.08 PURCH FULL/ALT 345000 358 79.9
22539993 267590.89 PURCH FULL/ALT 335000 358 79.9
22540934 273061.28 PURCH FULL/ALT 345000 358 79.9
22541726 331493.2 PURCH FULL/ALT 415000 358 79.9
22542294 301899.82 PURCH FULL/ALT 380000 358 79.9
22542757 244616.6 C/O REFI FULL/ALT 330000 358 74.2
22543003 346656.66 PURCH FULL/ALT 439000 358 79.9
22543458 326088.9 R/T REFI FULL/ALT 500000 358 65.3
22543466 476196.22 R/T REFI FULL/ALT 636000 358 74.9
22546568 264196.08 PURCH FULL/ALT 296500 358 89.9
22546576 374413.15 C/O REFI FULL/ALT 505000 358 74.2
22546964 527352.55 C/O REFI FULL/ALT 860000 355 61.4
22546972 291102.98 R/T REFI FULL/ALT 425000 356 68.5
22548259 282845.56 R/T REFI FULL/ALT 366000 358 77.3
22548580 137368.12 PURCH FULL/ALT 172000 358 79.9
22548648 499255.52 C/O REFI FULL/ALT 1270000 358 39.4
22548929 404366.23 R/T REFI FULL/ALT 550000 358 73.5
22549430 333173.86 R/T REFI FULL/ALT 460000 357 72.5
22550040 247602.18 R/T REFI FULL/ALT 310000 358 79.9
22550230 402584.51 PURCH FULL/ALT 504000 358 79.9
22551956 254551.24 PURCH FULL/ALT 319000 357 79.9
22551964 301861.74 PURCH FULL/ALT 615000 357 50.1
22551980 441356.03 PURCH FULL/ALT 553000 358 79.9
22552046 409169.81 PURCH FULL/ALT 515000 355 79.7
22552921 306343.2 PURCH FULL/ALT 390000 358 79.9
22552970 559123.64 R/T REFI FULL/ALT 700000 358 79.9
22553465 246810.86 R/T REFI FULL/ALT 361000 358 68.5
22553549 265094.72 R/T REFI FULL/ALT 349000 358 76.0
22557268 414001.38 C/O REFI FULL/ALT 725000 358 57.1
22557458 257294.08 R/T REFI FULL/ALT 340000 359 75.7
22557631 259593.12 R/T REFI FULL/ALT 352000 358 73.8
22557797 242716.03 PURCH FULL/ALT 272000 358 89.9
22557961 407376.73 PURCH FULL/ALT 480000 358 84.9
22558324 325308.66 R/T REFI FULL/ALT 500000 358 65.2
22558571 462492.91 PURCH FULL/ALT 583000 358 79.9
22558605 261628.97 R/T REFI FULL/ALT 525000 358 49.8
22558803 308516.44 R/T REFI FULL/ALT 425000 358 72.6
22559561 259021.77 PURCH FULL/ALT 331000 358 79.7
22559595 290537.12 PURCH FULL/ALT 377000 359 77.9
22559611 311499.52 PURCH FULL/ALT 397500 358 79.9
22559884 75878.08 PURCH FULL/ALT 95000 358 79.9
22560114 324478.65 PURCH FULL/ALT 420000 358 78.3
22560189 241122.06 C/O REFI FULL/ALT 322000 358 74.9
22561591 253602.51 R/T REFI FULL/ALT 330000 358 76.9
22561864 423660.93 PURCH FULL/ALT 550000 359 80.0
22562110 338182.96 R/T REFI FULL/ALT 390000 358 86.8
22562599 354458.08 PURCH FULL/ALT 530000 358 78.8
22563118 319099.3 PURCH FULL/ALT 358500 358 89.9
22563514 303458.68 PURCH FULL/ALT 381000 358 81.0
22564280 260601.58 PURCH FULL/ALT 290000 358 89.9
22566715 399374.03 PURCH FULL/ALT 535000 358 75.4
22566897 299553.33 PURCH FULL/ALT 391000 358 76.7
22567507 309964.17 PURCH FULL/ALT 360000 358 87.3
22567556 242619.73 R/T REFI FULL/ALT 270000 358 89.9
22567697 299494.48 PURCH FULL/ALT 423000 358 70.9
22567945 395691.08 R/T REFI FULL/ALT 560000 359 70.7
22569271 314748.1 C/O REFI FULL/ALT 550000 359 57.3
22569651 273611.97 PURCH FULL/ALT 455000 358 60.4
22569818 399389.39 PURCH FULL/ALT 470000 358 88.9
22571152 252807.49 R/T REFI FULL/ALT 350000 359 72.3
22571566 344499.01 R/T REFI FULL/ALT 842000 358 41.0
22572549 418961.15 R/T REFI FULL/ALT 580000 357 72.3
22572887 349478.86 PURCH FULL/ALT 404000 358 86.6
22573067 333314.46 PURCH FULL/ALT 383000 358 87.5
22573166 249618.37 PURCH FULL/ALT 342000 358 74.2
22573364 439793.39 R/T REFI FULL/ALT 800000 358 55.1
22573380 246463.71 PURCH FULL/ALT 260000 358 94.9
22574396 339579.14 R/T REFI FULL/ALT 440000 358 77.3
22574511 263565.94 R/T REFI FULL/ALT 355000 358 74.3
22574669 359436.62 PURCH FULL/ALT 495000 358 73.4
22576102 275557.25 PURCH FULL/ALT 345000 358 79.9
22576615 429310.23 PURCH FULL/ALT 545000 358 79.6
22577621 318317.25 PURCH FULL/ALT 365000 358 89.9
22578181 267590.89 PURCH FULL/ALT 335000 358 79.9
22581425 264788.09 R/T REFI FULL/ALT 337500 359 78.5
22583546 239391.63 R/T REFI FULL/ALT 300000 357 79.9
22584080 248410.64 PURCH FULL/ALT 311000 358 79.9
22585087 387689.72 PURCH FULL/ALT 500000 359 80.0
22585699 343169.79 R/T REFI FULL/ALT 430000 357 79.9
22586424 274831.46 PURCH FULL/ALT 350000 357 78.5
22586432 456395.88 R/T REFI FULL/ALT 610000 357 74.9
22586663 198241.34 R/T REFI FULL/ALT 248000 359 80.0
22587034 277616.1 R/T REFI FULL/ALT 310000 358 89.6
22587794 284354.31 PURCH FULL/ALT 358000 358 79.9
22587844 335353.94 PURCH FULL/ALT 426000 358 79.9
22588149 255079.08 PURCH FULL/ALT 320000 358 79.8
22589410 270777.86 R/T REFI FULL/ALT 340000 359 79.7
22589519 462030.22 PURCH FULL/ALT 625000 359 79.9
22589949 309103.35 PURCH FULL/ALT 392500 358 79.9
22589964 339440.98 C/O REFI FULL/ALT 533000 358 63.7
22590327 284507.85 C/O REFI FULL/ALT 480000 358 59.3
22590673 271552.8 PURCH FULL/ALT 340000 358 79.9
22590863 304046.09 R/T REFI FULL/ALT 500000 357 60.9
22591051 648052.24 R/T REFI FULL/ALT 1150000 356 56.4
22591119 311235.31 R/T REFI FULL/ALT 420000 357 74.0
22591127 372985.72 PURCH FULL/ALT 469000 358 79.9
22591150 304756.1 C/O REFI FULL/ALT 450000 359 67.8
22591168 324196.14 R/T REFI FULL/ALT 525000 357 61.8
22591291 399374.03 PURCH FULL/ALT 650000 358 64.5
22591317 353535.29 PURCH FULL/ALT 422500 358 84.7
22591515 299542.04 PURCH FULL/ALT 326000 358 92.0
22592182 438964.02 PURCH FULL/ALT 550000 357 79.9
22592281 295748.41 R/T REFI FULL/ALT 371000 357 79.7
22592323 391670.67 PURCH FULL/ALT 490000 359 80.0
22592455 298380.23 PURCH FULL/ALT 455000 357 66.3
22592463 244544.38 PURCH FULL/ALT 308000 359 80.0
22592521 329163.5 R/T REFI FULL/ALT 420000 357 78.4
22592570 291578.97 PURCH FULL/ALT 366000 356 79.7
22592596 643280.16 R/T REFI FULL/ALT 971000 357 66.2
22592687 362853.82 R/T REFI FULL/ALT 455000 356 79.8
22592786 368060.62 R/T REFI FULL/ALT 410000 357 89.8
22592810 251595.76 PURCH FULL/ALT 305000 358 89.9
22592844 262466.45 R/T REFI FULL/ALT 350900 357 74.8
22592919 302919.17 PURCH FULL/ALT 380000 356 79.7
22592935 299257.96 PURCH FULL/ALT 538000 357 59.9
22593016 399010.62 PURCH FULL/ALT 530000 357 75.3
22593024 366706.51 R/T REFI FULL/ALT 505000 359 72.7
22593073 293051.16 PURCH FULL/ALT 370000 356 79.4
22593099 389035.36 R/T REFI FULL/ALT 710000 357 54.7
22593149 294214.86 R/T REFI FULL/ALT 465000 357 63.3
22593180 349923.73 R/T REFI FULL/ALT 560000 357 62.5
22593263 419655.73 R/T REFI FULL/ALT 630000 359 66.7
22593297 294776.4 PURCH FULL/ALT 330000 358 89.9
22595532 555544.25 PURCH FULL/ALT 695000 359 80.0
22595656 269784.09 R/T REFI FULL/ALT 350000 359 77.1
22595870 332478.89 C/O REFI FULL/ALT 505000 358 65.9
22595896 522780.12 PURCH FULL/ALT 712000 355 74.7
22595904 287763.93 R/T REFI FULL/ALT 395000 359 72.9
22595946 386235.93 R/T REFI FULL/ALT 570000 357 67.8
22595995 249578.72 R/T REFI FULL/ALT 288000 358 86.7
22596001 247401.47 PURCH FULL/ALT 310000 357 79.9
22596027 284295.05 R/T REFI FULL/ALT 380000 357 74.8
22596050 447711.97 R/T REFI FULL/ALT 775000 357 57.8
22596068 352104.38 R/T REFI FULL/ALT 450000 355 78.3
22596076 284328.96 R/T REFI FULL/ALT 390000 357 73.0
22596084 352209.14 R/T REFI FULL/ALT 510000 357 69.1
22596092 260686.29 PURCH FULL/ALT 278000 358 94.8
22596134 299031.78 R/T REFI FULL/ALT 660000 356 45.3
22596142 364708.12 C/O REFI FULL/ALT 505000 359 72.3
22596175 264594.7 PURCH FULL/ALT 295000 356 89.8
22596183 299250.63 R/T REFI FULL/ALT 450000 357 66.5
22596191 253465.29 R/T REFI FULL/ALT 400000 357 63.4
22596217 279290.24 R/T REFI FULL/ALT 410000 357 68.2
22596225 279307.42 R/T REFI FULL/ALT 360000 357 77.6
22596241 251026.94 R/T REFI FULL/ALT 330000 357 76.1
22596266 334150.81 R/T REFI FULL/ALT 480000 357 69.7
22596274 249396.66 R/T REFI FULL/ALT 365000 357 68.4
22596282 477214.08 R/T REFI FULL/ALT 805000 358 59.4
22596290 299293.66 PURCH FULL/ALT 470000 357 65.1
22596308 264796.84 R/T REFI FULL/ALT 350000 354 75.7
22596316 241256.59 R/T REFI FULL/ALT 364000 356 66.3
22596324 376466.53 R/T REFI FULL/ALT 585000 357 64.4
22596332 283105.7 R/T REFI FULL/ALT 390000 356 72.6
22596340 498851.59 PURCH FULL/ALT 650000 357 76.7
22596357 253571.25 R/T REFI FULL/ALT 320000 357 79.2
22596365 369062.1 PURCH FULL/ALT 465000 357 79.8
22596373 294707.54 R/T REFI FULL/ALT 355000 357 83.0
22596381 308696.05 R/T REFI FULL/ALT 420000 357 73.5
22596399 363819.83 R/T REFI FULL/ALT 510000 357 71.4
22596407 270801.33 PURCH FULL/ALT 340000 356 79.7
22596415 528289.51 R/T REFI FULL/ALT 680000 356 77.7
22596423 307274.83 R/T REFI FULL/ALT 440000 357 69.8
22596431 265373.71 PURCH FULL/ALT 280000 357 94.9
22596449 382098.23 R/T REFI FULL/ALT 560000 357 68.2
22596456 428910 R/T REFI FULL/ALT 1050000 357 40.9
22596464 264324.18 R/T REFI FULL/ALT 332000 356 79.5
22596472 645170.43 R/T REFI FULL/ALT 820000 357 78.8
22596530 362966.81 PURCH FULL/ALT 455000 358 79.9
22596662 287027.31 R/T REFI FULL/ALT 360000 358 79.8
22596944 251255.36 PURCH FULL/ALT 275000 358 91.4
22597165 312497.91 PURCH FULL/ALT 395000 358 79.8
22597843 257386.45 PURCH FULL/ALT 295000 358 89.0
22598148 258135.25 PURCH FULL/ALT 325000 358 79.9
22598379 416134.06 PURCH FULL/ALT 521000 358 79.9
22598890 311908.58 R/T REFI FULL/ALT 620000 236 50.4
22599096 305878.73 R/T REFI FULL/ALT 394000 297 77.7
22599450 276234.34 R/T REFI FULL/ALT 361000 359 76.6
22599799 450630.32 C/O REFI FULL/ALT 1325000 359 34.0
22600126 255784.93 R/T REFI FULL/ALT 320000 359 80.0
22600183 303424.43 PURCH FULL/ALT 390000 358 79.9
22600274 371417.85 R/T REFI FULL/ALT 465000 358 79.9
22601454 251044.05 R/T REFI FULL/ALT 360000 359 69.7
22601520 302751.63 R/T REFI FULL/ALT 450000 359 67.3
22601934 257788.51 R/T REFI FULL/ALT 653000 359 39.5
22603104 284777.67 C/O REFI FULL/ALT 405000 359 70.4
22603617 285572.72 PURCH FULL/ALT 332000 359 86.1
22603674 342649.47 PURCH FULL/ALT 450000 358 79.9
22603880 270554.43 R/T REFI FULL/ALT 352000 358 76.9
22604292 298562.66 R/T REFI FULL/ALT 330000 357 90.6
22604300 264858.06 PURCH FULL/ALT 279500 358 94.9
22604326 242350.47 PURCH FULL/ALT 256000 358 94.9
22604581 254541.03 PURCH FULL/ALT 272000 358 94.9
22604839 296546.61 PURCH FULL/ALT 330000 358 89.9
22605687 254790.98 R/T REFI FULL/ALT 435000 359 58.6
22605695 251798.48 R/T REFI FULL/ALT 317500 359 79.4
22607311 314741.79 PURCH FULL/ALT 540000 359 58.3
22610950 294758.18 C/O REFI FULL/ALT 705000 359 41.8
22611610 284542.95 R/T REFI FULL/ALT 380000 358 74.9
22611750 649480.21 R/T REFI FULL/ALT 950000 359 68.4
22612188 283767.21 R/T REFI FULL/ALT 355000 359 80.0
22613079 586509.49 R/T REFI FULL/ALT 735000 357 79.9
22613111 248171.68 R/T REFI FULL/ALT 311000 298 79.9
22614762 285271.69 R/T REFI FULL/ALT 400000 359 71.4
22614838 263330.78 PURCH FULL/ALT 330000 357 79.9
22614986 390850.24 C/O REFI FULL/ALT 550000 357 71.1
22615009 359129.97 R/T REFI FULL/ALT 450000 357 79.8
22615058 314201.52 C/O REFI FULL/ALT 420000 357 74.9
22615082 648469.59 C/O REFI FULL/ALT 942000 357 68.9
22615249 299754.09 PURCH FULL/ALT 487000 359 61.6
22615751 254701.15 PURCH FULL/ALT 383000 359 68.0
22615777 497926.69 PURCH FULL/ALT 1350000 355 36.9
22615959 247031.39 PURCH FULL/ALT 310000 357 79.9
22616080 349320.43 PURCH FULL/ALT 437000 359 80.0
22616957 261795.61 C/O REFI FULL/ALT 370000 359 70.8
22617039 262287.43 PURCH FULL/ALT 340000 337 78.3
22618284 97110.04 PURCH FULL/ALT 380000 347 28.0
22618532 323740.9 PURCH FULL/ALT 434000 359 80.0
22618680 391661.94 R/T REFI FULL/ALT 1161000 358 33.8
22618698 271552.78 PURCH FULL/ALT 340000 358 79.9
22618961 259781.57 PURCH FULL/ALT 350000 359 79.9
22619605 427657.73 PURCH FULL/ALT 535000 359 80.0
22619928 323734.41 R/T REFI FULL/ALT 360000 359 90.0
22620769 407657.23 PURCH FULL/ALT 510000 359 79.9
22622997 146279.99 PURCH FULL/ALT 183000 359 79.9
22623896 267425.14 R/T REFI FULL/ALT 375000 359 71.4
22624852 486110.94 R/T REFI FULL/ALT 750000 359 64.9
22624910 299760.09 R/T REFI FULL/ALT 500400 359 60.0
22624928 286270.89 C/O REFI FULL/ALT 365000 359 78.5
22625883 289062.86 PURCH FULL/ALT 370000 359 80.0
22627137 373968.65 PURCH FULL/ALT 731000 358 51.2
22627640 289768.09 PURCH FULL/ALT 400000 359 73.5
22628515 291372.52 R/T REFI FULL/ALT 383000 359 76.1
22630339 254280.88 PURCH FULL/ALT 278000 359 92.7
22630644 374700.12 C/O REFI FULL/ALT 500000 359 75.0
22630966 305749.17 PURCH FULL/ALT 350000 359 90.0
22631535 269468.92 R/T REFI FULL/ALT 570000 359 47.3
22631949 299760.09 PURCH FULL/ALT 375000 359 80.0
22635031 331734.5 PURCH FULL/ALT 415000 359 80.0
22636047 322993.75 R/T REFI FULL/ALT 365000 358 88.5
22636864 310944.91 PURCH FULL/ALT 390000 359 80.0
22638886 392619.17 C/O REFI FULL/ALT 650000 358 60.5
22643753 374692.61 R/T REFI FULL/ALT 900000 359 41.7
22653083 290156.03 PURCH FULL/ALT 369000 359 80.0
22653141 491859.73 R/T REFI FULL/ALT 635000 358 77.5
22653463 359712.11 PURCH FULL/ALT 465000 359 78.3
22653885 277766.45 R/T REFI FULL/ALT 410000 359 67.8
22659577 295192.86 R/T REFI FULL/ALT 370000 357 79.8
22666259 339728.11 PURCH FULL/ALT 400000 359 85.0
25864208 239248.68 R/T REFI FULL/ALT 307000 350 78.0
26076414 305567.15 PURCH FULL/ALT 440480 359 69.4
26295022 307535.07 PURCH FULL/ALT 387500 357 79.9
26439257 296185.47 C/O REFI FULL/ALT 395200 359 75.0
26463497 262919.9 PURCH FULL/ALT 330000 358 79.9
26631309 245635.38 PURCH FULL/ALT 268000 358 94.9
26639369 269015.68 PURCH FULL/ALT 395000 356 69.9
26699702 279776.08 PURCH FULL/ALT 365000 359 80.0
26890160 280097.72 PURCH FULL/ALT 425000 356 74.7
26900043 294064.65 PURCH FULL/ALT 328000 359 90.0
26900506 315541.25 R/T REFI FULL/ALT 575000 236 55.0
26914861 339095.09 PURCH FULL/ALT 425000 357 79.9
26915785 299506.75 PURCH FULL/ALT 700000 358 43.4
26916148 255318.65 PURCH FULL/ALT 324000 357 79.9
26964528 499217.53 R/T REFI FULL/ALT 1750000 358 28.6
26967216 566524.61 PURCH FULL/ALT 710000 357 79.9
26970343 352111.14 R/T REFI FULL/ALT 470000 359 75.0
26970756 339480.97 R/T REFI FULL/ALT 800000 358 42.5
26972489 334732.1 R/T REFI FULL/ALT 640000 359 52.3
27012301 623376.56 R/T REFI FULL/ALT 900000 357 69.3
27046762 449141.16 PURCH FULL/ALT 690000 358 67.1
27051929 319486.68 PURCH FULL/ALT 460000 358 69.7
27061704 250878.32 R/T REFI FULL/ALT 335000 238 75.1
27065101 341683.24 C/O REFI FULL/ALT 456000 359 75.0
27066265 389374.38 PURCH FULL/ALT 490000 358 79.9
27066588 649453.92 R/T REFI FULL/ALT 1700000 359 38.2
27067438 364456.53 C/O REFI FULL/ALT 505000 358 72.2
27068154 368876.59 PURCH FULL/ALT 463000 358 79.7
27083567 309526.77 R/T REFI FULL/ALT 468000 358 66.1
27083658 254487.24 PURCH FULL/ALT 285000 357 89.8
27089861 273538.28 R/T REFI FULL/ALT 350000 358 78.2
27090745 312423.81 R/T REFI FULL/ALT 700000 237 44.6
27092808 374413.15 C/O REFI FULL/ALT 500000 358 74.9
27093012 289141.5 R/T REFI FULL/ALT 390000 357 74.2
27095736 529084.79 R/T REFI FULL/ALT 760000 358 69.7
27110501 259792.08 R/T REFI FULL/ALT 502000 359 51.8
27111285 253293.02 PURCH FULL/ALT 305000 358 83.9
27111889 246812.05 R/T REFI FULL/ALT 345000 359 71.5
27114396 243627.52 R/T REFI FULL/ALT 305000 358 79.9
27116219 321344.68 R/T REFI FULL/ALT 486000 358 66.2
27116581 584867.2 R/T REFI FULL/ALT 796000 358 73.5
27121235 274736.27 R/T REFI FULL/ALT 344000 358 79.9
27123686 279764.76 R/T REFI FULL/ALT 380000 359 73.7
27123892 322242.09 R/T REFI FULL/ALT 450000 359 71.7
27123918 325450.67 R/T REFI FULL/ALT 500000 358 65.1
27128263 484182.74 R/T REFI FULL/ALT 685000 358 70.7
27128362 248951.64 R/T REFI FULL/ALT 312000 357 79.9
27130681 296762.49 R/T REFI FULL/ALT 650000 359 45.7
27131978 301746.28 R/T REFI FULL/ALT 410000 359 73.7
27134907 291203.79 PURCH FULL/ALT 369000 357 79.9
27136845 374398.44 C/O REFI FULL/ALT 500000 358 74.9
27144724 252342.82 R/T REFI FULL/ALT 370000 357 68.2
27147693 314859.75 R/T REFI FULL/ALT 405000 357 77.8
27148113 288757.2 C/O REFI FULL/ALT 495000 359 58.4
27153725 263421.57 R/T REFI FULL/ALT 350000 358 75.3
27157106 279272.68 C/O REFI FULL/ALT 485000 357 57.6
27158492 319744.1 C/O REFI FULL/ALT 476000 359 67.2
27158591 305755.3 R/T REFI FULL/ALT 340000 359 90.0
27159169 279764.76 C/O REFI FULL/ALT 400000 359 70.0
27161462 255258.44 R/T REFI FULL/ALT 328000 358 77.9
27165810 348773.34 PURCH FULL/ALT 389500 358 89.6
27166214 304367.31 PURCH FULL/ALT 385000 359 80.0
27168327 271777.04 PURCH FULL/ALT 372000 359 73.1
27172758 317963.31 R/T REFI FULL/ALT 425000 358 74.9
27173343 648849.86 R/T REFI FULL/ALT 950000 358 68.4
27176072 449313.06 R/T REFI FULL/ALT 563000 358 79.9
27176254 614260.88 PURCH FULL/ALT 769000 358 79.9
27178169 499174.06 PURCH FULL/ALT 700000 358 71.4
27181551 288500.96 R/T REFI FULL/ALT 370000 358 78.0
27185537 263494.2 PURCH FULL/ALT 305000 358 87.9
27191675 340033.38 R/T REFI FULL/ALT 426000 358 79.9
27197805 254337.63 R/T REFI FULL/ALT 500000 357 50.9
27199876 300562.9 R/T REFI FULL/ALT 365000 358 82.4
27201292 332424.96 R/T REFI FULL/ALT 500000 358 66.5
27201920 318911.03 R/T REFI FULL/ALT 460000 357 69.4
27202795 281013.89 R/T REFI FULL/ALT 525000 358 53.6
27203009 323021.64 R/T REFI FULL/ALT 700000 359 46.2
27203439 296349.63 R/T REFI FULL/ALT 622000 238 47.7
27203827 261479.88 R/T REFI FULL/ALT 420000 358 62.4
27205012 415281.65 R/T REFI FULL/ALT 520000 358 79.9
27205616 287850 C/O REFI FULL/ALT 490000 360 58.7
27213156 403086.17 R/T REFI FULL/ALT 520000 358 77.6
27213958 296487.14 R/T REFI FULL/ALT 425000 358 69.8
27216126 286416.88 PURCH FULL/ALT 363000 357 79.9
27218858 316746.5 R/T REFI FULL/ALT 625000 359 50.7
27221092 401322.6 R/T REFI FULL/ALT 503000 358 79.9
27223049 563514.4 PURCH FULL/ALT 710000 359 80.0
27224807 214011.31 PURCH FULL/ALT 268000 358 79.9
27228063 382370.29 C/O REFI FULL/ALT 620000 358 61.7
27228329 452236.66 R/T REFI FULL/ALT 615000 358 73.6
27229103 319447.41 R/T REFI FULL/ALT 405000 358 78.9
27230168 649480.2 R/T REFI FULL/ALT 1050000 359 61.9
27230556 542754.74 PURCH FULL/ALT 690000 359 80.0
27230788 259786.88 R/T REFI FULL/ALT 445000 359 58.4
27232131 296535.22 R/T REFI FULL/ALT 330000 358 89.9
27235902 317739.33 R/T REFI FULL/ALT 520000 359 61.2
27237478 298654.99 R/T REFI FULL/ALT 510000 359 58.6
27238625 648957.31 C/O REFI FULL/ALT 1100000 358 59.1
27241165 403267.94 PURCH FULL/ALT 505000 358 79.9
27241850 383399.07 R/T REFI FULL/ALT 480000 358 79.9
27242957 243349.22 C/O REFI FULL/ALT 325000 358 74.9
27245836 308496.57 PURCH FULL/ALT 470000 357 68.2
27246016 293542.22 R/T REFI FULL/ALT 550000 358 53.5
27246404 254796.07 R/T REFI FULL/ALT 575000 359 44.3
27248756 382087.02 C/O REFI FULL/ALT 750000 299 51.0
27249416 499590.15 C/O REFI FULL/ALT 750000 359 66.7
27250299 359450.44 PURCH FULL/ALT 465000 358 78.2
27251339 330741.78 R/T REFI FULL/ALT 427000 359 77.5
27252204 297473.31 R/T REFI FULL/ALT 460000 359 64.7
27252477 424067.88 PURCH FULL/ALT 850000 358 50.5
27252766 284507.85 C/O REFI FULL/ALT 458000 358 62.2
27255538 293597 R/T REFI FULL/ALT 326500 359 90.0
27257286 325982.58 C/O REFI FULL/ALT 435000 359 75.0
27258102 399226.14 PURCH FULL/ALT 550000 358 72.7
27259597 395380.29 PURCH FULL/ALT 440000 358 89.9
27262013 274780.08 C/O REFI FULL/ALT 400000 359 68.8
27262203 295570.16 PURCH FULL/ALT 370000 358 79.9
27265818 393148.92 C/O REFI FULL/ALT 525000 358 74.9
27267392 427362.73 R/T REFI FULL/ALT 535000 358 79.9
27268408 304522.7 C/O REFI FULL/ALT 485000 358 62.9
27268770 459243.66 C/O REFI FULL/ALT 700000 358 65.6
27270115 262481.27 C/O REFI FULL/ALT 425000 358 61.9
27272665 358588.01 C/O REFI FULL/ALT 478500 359 75.0
27273663 299431.67 R/T REFI FULL/ALT 375000 358 79.9
27276021 405000 C/O REFI FULL/ALT 550000 360 73.6
27281914 295968.8 PURCH FULL/ALT 333000 358 89.9
27285469 336997.49 C/O REFI FULL/ALT 450000 358 74.9
27293885 319731.15 R/T REFI FULL/ALT 400000 359 80.0
27294701 537158.08 C/O REFI FULL/ALT 1000000 358 53.8
27298629 273471.35 R/T REFI FULL/ALT 360000 358 76.0
27298892 279461.96 PURCH FULL/ALT 351000 358 79.9
27303825 379359.67 PURCH FULL/ALT 475000 358 79.9
27304690 292782.55 R/T REFI FULL/ALT 520000 359 56.3
27306992 251615.3 R/T REFI FULL/ALT 315000 358 79.9
27308139 287752.03 PURCH FULL/ALT 330000 359 90.0
27313527 294971.32 R/T REFI FULL/ALT 650000 359 45.4
27313675 258364.74 PURCH FULL/ALT 345000 358 74.9
27318385 421154.49 R/T REFI FULL/ALT 560000 359 75.3
27320225 247621.42 PURCH FULL/ALT 313000 358 79.9
27326925 524580.16 C/O REFI FULL/ALT 750000 359 70.0
27330059 576162.11 R/T REFI FULL/ALT 750000 358 76.9
27331099 284766.38 R/T REFI FULL/ALT 530000 359 53.8
27333467 359726.06 C/O REFI FULL/ALT 870000 359 41.4
27336809 399254.65 C/O REFI FULL/ALT 610000 358 65.5
27336999 380687.69 C/O REFI FULL/ALT 508000 359 75.0
27337013 300340.81 PURCH FULL/ALT 390000 358 79.9
27337823 334711.57 R/T REFI FULL/ALT 525000 359 63.8
27338409 302770.61 PURCH FULL/ALT 379000 358 79.9
27339795 642941.16 C/O REFI FULL/ALT 920000 358 69.9
27342567 247122.17 C/O REFI FULL/ALT 357000 358 69.3
27347178 299542.04 R/T REFI FULL/ALT 515000 358 58.3
27347764 374707.46 R/T REFI FULL/ALT 495000 359 75.8
27349000 353028.13 R/T REFI FULL/ALT 570000 359 61.9
27353234 599520.18 R/T REFI FULL/ALT 800000 359 75.0
27353945 319447.41 PURCH FULL/ALT 420000 358 76.1
27354141 327936.01 R/T REFI FULL/ALT 440000 358 74.6
27360320 303512.34 PURCH FULL/ALT 380000 358 79.9
27361104 391242.21 R/T REFI FULL/ALT 900000 358 43.5
27361112 297156.88 R/T REFI FULL/ALT 372000 358 79.9
27361443 296750.48 R/T REFI FULL/ALT 475000 359 62.5
27363019 264574.9 C/O REFI FULL/ALT 356000 358 74.4
27364868 262078.9 C/O REFI FULL/ALT 350000 358 74.9
27367556 371417.85 R/T REFI FULL/ALT 600000 358 62.0
27370246 294458.43 PURCH FULL/ALT 328000 359 90.0
27370493 282168.6 R/T REFI FULL/ALT 317000 358 89.1
27371293 374700.11 R/T REFI FULL/ALT 585000 359 64.1
27371715 634479.49 R/T REFI FULL/ALT 900000 359 70.6
27375328 274580.2 C/O REFI FULL/ALT 490000 358 56.0
27376805 315900 PURCH FULL/ALT 351000 360 90.0
27378694 538634.56 R/T REFI FULL/ALT 685000 358 78.7
27381706 259692.95 PURCH FULL/ALT 289000 358 89.9
27384957 249540.76 C/O REFI FULL/ALT 365000 239 68.4
27387083 349713.11 PURCH FULL/ALT 506000 359 69.6
27387935 257634.62 PURCH FULL/ALT 430000 358 59.9
27388248 557504.25 PURCH FULL/ALT 698000 358 79.9
27390913 319511.5 R/T REFI FULL/ALT 460000 358 69.5
27391317 633578.6 R/T REFI FULL/ALT 825000 358 76.9
27391549 287581.78 PURCH FULL/ALT 388000 358 74.2
27399112 620577.33 PURCH FULL/ALT 776967 358 79.9
27401660 249618.37 PURCH FULL/ALT 360000 358 71.4
27402015 363416.09 R/T REFI FULL/ALT 455000 358 79.9
27405851 409655.55 C/O REFI FULL/ALT 560000 359 73.2
27407402 329434.75 PURCH FULL/ALT 480000 358 68.7
27408111 273541.69 C/O REFI FULL/ALT 365000 359 75.0
27408277 278300 R/T REFI FULL/ALT 400000 360 69.6
27408384 261305.93 R/T REFI FULL/ALT 335000 359 78.1
27408889 648932.88 R/T REFI FULL/ALT 1050000 358 61.9
27411065 499217.53 PURCH FULL/ALT 647000 358 79.9
27411099 390695.92 R/T REFI FULL/ALT 620500 358 63.1
27411594 307529.84 PURCH FULL/ALT 385000 358 79.9
27411719 304981.08 PURCH FULL/ALT 381500 359 79.9
27411925 519594.35 PURCH FULL/ALT 650000 359 80.0
27412147 254600.95 PURCH FULL/ALT 330000 358 77.2
27415009 299518.76 PURCH FULL/ALT 376000 358 79.9
27421049 309499.69 PURCH FULL/ALT 398000 358 79.8
27423094 307759.72 PURCH FULL/ALT 385000 359 79.9
27424068 266571.69 C/O REFI FULL/ALT 450000 358 59.3
27424449 345914.07 R/T REFI FULL/ALT 434000 358 79.7
27424498 251615.3 PURCH FULL/ALT 325000 358 79.9
27427269 477538.49 C/O REFI FULL/ALT 810000 359 59.0
27429992 373293.76 PURCH FULL/ALT 469750 359 80.0
27430701 547163.36 PURCH FULL/ALT 685000 358 79.9
27431758 472112.69 PURCH FULL/ALT 675000 359 70.0
27434448 364428.8 PURCH FULL/ALT 456250 358 79.9
27435130 256127.5 PURCH FULL/ALT 285000 358 89.9
27438233 241325.2 C/O REFI FULL/ALT 322000 359 75.0
27439710 299718.75 C/O REFI FULL/ALT 410000 359 73.1
27442508 459622.93 R/T REFI FULL/ALT 585000 359 78.6
27442656 329729.5 C/O REFI FULL/ALT 506000 359 65.2
27446046 314777.68 C/O REFI FULL/ALT 420000 359 75.0
27446442 391586.6 PURCH FULL/ALT 489917 359 80.0
27446798 256694.55 PURCH FULL/ALT 367000 359 70.0
27453471 319750.36 C/O REFI FULL/ALT 670000 359 47.8
27453588 649007.76 PURCH FULL/ALT 979000 358 73.4
27453679 344499.01 C/O REFI FULL/ALT 460000 358 74.9
27454545 551600.47 R/T REFI FULL/ALT 690000 359 80.0
27456946 283794.44 PURCH FULL/ALT 355000 359 80.0
27457043 299754.09 R/T REFI FULL/ALT 415000 359 72.3
27459015 328730.32 PURCH FULL/ALT 470000 359 70.7
27460054 299728.79 R/T REFI FULL/ALT 625000 359 48.0
27460658 315228.36 C/O REFI FULL/ALT 420750 359 75.0
27461664 323759.54 PURCH FULL/ALT 360000 359 90.0
27462084 299782.86 PURCH FULL/ALT 910000 359 33.0
27464114 303257.29 R/T REFI FULL/ALT 390000 359 77.8
27464767 408504.11 R/T REFI FULL/ALT 511000 359 80.0
27466358 364208.51 PURCH FULL/ALT 412500 359 90.0
27468750 287752.03 PURCH FULL/ALT 365000 359 80.0
27469113 549549.16 PURCH FULL/ALT 820000 359 67.1
27469949 250189.63 PURCH FULL/ALT 317000 359 79.9
27471770 251044.05 C/O REFI FULL/ALT 335000 359 75.0
27472562 299747.96 C/O REFI FULL/ALT 400000 359 75.0
27475334 383692.92 R/T REFI FULL/ALT 480000 359 80.0
27475896 357713.71 R/T REFI FULL/ALT 640000 359 55.9
27476639 324733.59 R/T REFI FULL/ALT 575000 359 56.5
27477611 546062.96 R/T REFI FULL/ALT 1245000 359 43.9
27484591 378696.91 R/T REFI FULL/ALT 485000 359 78.1
27485499 399680.12 PURCH FULL/ALT 522000 359 76.7
27489822 299741.7 PURCH FULL/ALT 1395000 359 21.5
27491976 449602.98 R/T REFI FULL/ALT 615000 359 73.2
27500446 299765.97 PURCH FULL/ALT 588000 359 51.1
27502962 499590.15 PURCH FULL/ALT 680000 359 73.5
27507490 649480.2 PURCH FULL/ALT 1040000 359 66.7
27515188 319744.1 PURCH FULL/ALT 400000 359 80.0
27521822 269773.17 R/T REFI FULL/ALT 570000 359 47.4
27522028 324740.1 C/O REFI FULL/ALT 495000 359 65.7
27524289 526578.56 R/T REFI FULL/ALT 920000 359 57.3
27530567 319724.48 PURCH FULL/ALT 409000 359 79.6
27530963 374692.61 R/T REFI FULL/ALT 620000 359 60.5
27536929 273525.61 C/O REFI FULL/ALT 365000 359 75.0
27538024 252897.59 R/T REFI FULL/ALT 350000 359 72.3
27538206 499600.15 C/O REFI FULL/ALT 790000 359 63.3
27543479 491106.95 R/T REFI FULL/ALT 640000 359 76.8
27544972 299765.97 C/O REFI FULL/ALT 470000 359 63.8
27546910 327881.01 PURCH FULL/ALT 365000 359 89.9
27547926 324733.59 C/O REFI FULL/ALT 472000 359 68.9
27552165 302751.63 C/O REFI FULL/ALT 460000 359 65.8
27552439 599495.92 PURCH FULL/ALT 900000 359 67.0
27555713 299004.71 PURCH FULL/ALT 332500 359 90.0
27561893 470014.41 C/O REFI FULL/ALT 710000 359 66.3
27563147 369704.12 PURCH FULL/ALT 470000 359 78.7
27572544 399672.12 PURCH FULL/ALT 600000 359 66.6
27582485 649467.2 PURCH FULL/ALT 1750000 359 37.4
27583160 602505.72 PURCH FULL/ALT 804000 359 75.0
27589712 299760.09 C/O REFI FULL/ALT 400000 359 75.0
27593912 372000 PURCH FULL/ALT 465000 360 80.0
1231
$417,513,441.51
7.037
356.4
72.5
72.4
</TABLE>
<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 February 23, 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: _____________________________________
<PAGE>
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>
F-1
EXHIBIT F
FORM OF CERTIFICATION OF ESTABLISHMENT OF ACCOUNT
[Date]
[_______________] hereby certifies that it has established the account
described below as a [___________] Account pursuant to Section [________] of the
Pooling and Servicing Agreement, dated February 23, 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.
Title of Account: "[_______________], in trust for the registered
holders of Bank of America Mortgage Securities,
Inc. Mortgage Pass-Through Certificates, Series
1999-1."
Account Number: ________________________
Address of office or branch
of NationsBank, N.A.
at which Account is
maintained: ________________________
________________________
________________________
________________________
[_______________],
as Servicer
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 1999-1, Class ___,
having an initial aggregate Certificate Balance as of
February 23, 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 February 23, 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
<PAGE>
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 1999-1, Class ___,
having an initial aggregate Certificate Balance as of
February 23, 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 February 23, 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
<PAGE>
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.
___ 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
- ----------
1 Transferee must own and/or invest on a discretionary basis at least
$100,000,000 in securities unless Tranferee is a delaer, and, in that case,
Transferee must own and/or invest on a discretionary basis at least $10,000,000
in securities.
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
<PAGE>
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).
<PAGE>
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
By: ______________________________________
Name: _____________________________________
Title: ____________________________________
Date: _____________________________________
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 1999-1, Class ___,
having an initial aggregate Certificate Principal
Balance as of February 23, 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
February 23, 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
<PAGE>
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
<PAGE>
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 OR OPINION OF COUNSEL REFERRED TO IN THE PRECEDING SENTENCE, AS
APPLICABLE, UNLESS SUCH PERSON SHALL HAVE PROVIDED SUCH REPRESENTATION
LETTER OR OPINION OF COUNSEL 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
<PAGE>
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 1999-1, Class ___,
having an initial aggregate Certificate Principal
Balance as of February 23, 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
February 23, 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.
<PAGE>
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>
I-4
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 1999-1
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] [A-LR] Certificate
(the "Certificate") issued pursuant to the Pooling and Servicing Agreement,
dated February 23, 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] [A-LR] 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] [A-LR] 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
<PAGE>
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] [A-LR] 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 its
Class [A-R] [A-LR] 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 its Class [A-R] [A-LR] Certificate or cause any
Class [A-R] [A-LR] 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] [A-LR] 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] [A-LR] 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]
[A-LR] Certificate in excess of cash flows generated thereby, and agrees to pay
taxes associated with holding the Class [A-R] [A-LR] Certificate as such taxes
become due.
<PAGE>
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 and its corporate seal to be hereunto affixed, duly
attested, this _____ day of ________________, ____.
____________________________________________
Print Name of Transferee
By: _______________________________________
Name:
Title:
[Corporate Seal]
ATTEST:
_____________________________
[Assistant] Secretary
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>
J-1
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.
