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SECURITIES AND EXCHANGE COMMISSION
Washington, DC 20549
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FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15 (d)
OF THE SECURITIES EXCHANGE ACT OF 1934
Date of Report (date of earliest event report) 22-Nov-96
The Money Store Inc. (as Representative) and TMS Auto Holdings, Inc. (as
Seller) under a Pooling and Servicing Agreement dated as of November 30, 1995
providing for the issuance of TMS Auto Grantor Trust Asset Backed Certificates,
Series 1995-2)
The Money Store Inc.
TMS Auto Holdings, Inc.
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(Exact name of regristrant as specified in its charter)
Delaware 33-94518 22-6680064
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State or other (Commission (IRS Employer
jurisdiction of File Number) ID Number)
incorporation)
2840 Morris Avenue, Union, New Jersey 07083
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(Address of principal executive officer)
Registrant's Telephone Number,
including area code: 908-686-2000
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n/a
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(Former name or former address, if changed since last report)
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Item 5 Other Events
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Attached herein as Annex A is a copy of the Monthly Statement sent to
Class A Certificate holders with respect to the July 22, 1996 Remittance Date.
Item 7 Financial Statements and Exhibits
The quarterly financial statement for Financial Security Assurance
Holdings Ltd. ("FSA") is incorporated by reference to the Form 10Q filed
by FSA with the Securities and Exchange Commission on August 9, 1996.
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SIGNATURES
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 thereunto duly authorized.
THE MONEY STORE INC.
TMS AUTO HOLDINGS, INC.
By: \S\ James K. Ransom
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James K. Ransom
Vice President
Dated: 07/16/96
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TMS AUTO RECEIVABLES TRUST 1995-2
5.90% Asset Backed Certificates
IN ACCORDANCE WITH SECTION 14.09 OF THE POOLING AND SERVICING
AGREEMENT DATED AS OF NOVEMBER 30, 1995, THE MONEY STORE AUTO
FINANCE INC. REPORTS THE FOLLOWING INFORMATION PERTAINING
TO SERIES 1995 - 2 FOR THE JULY 15, 1996 DETERMINATION DATE
DISTRIBUTION DATE 11/20/96 MONTHLY PERIOD Oct-96
A. Information Regarding the Current Monthly Distribution :
I. CERTIFICATES
(a) The aggregate amount of the distribution to
Certificateholders from the Collection Account 2,117,801.72
(b) The amount of the distribution set forth in
above in respect of interest from the Collection
Account 213,009.58
(c) The amount of the distribution set forth in
A. 1. (a) above in respect of principal from
the Collection Account 1,904,792.14
(d) The amount of such distribution payable out of
amounts withdrawn from the Spread Account or
pursuant to a claim on the Policy (Deficiency
Claim Amount) 0.00
(e) The amount of the distribution set forth in
A. 1. (a) above per $1,000 interest 35.2966953
(f) The amount of the distribution set forth in
A. 1. (b) above per $1,000 interest 3.5501597
(g) The amount of the distribution set forth in
A. 1. (c) above per $1,000 interest 31.7465357
(h) The amount of the distribution set forth in
A. 1. (d) above per $1,000 interest 0.0000000
B. Information Regarding the Performance of the Trust:
I. POOL AND CERTIFICATE BALANCES
(a) The Pool Balance as of the close of business
on the last day of the preceding Monthly
Period 41,419,189.58
(b) The Certificate Balance as of the close of
business on the last day of the preceding
Monthly Period, after giving effect to payments
allocated to principal set forth in Paragraph
A. 1. (c) above 41,419,189.58
(c) The Certificate Factor as of the close of
business on the last day of the preceding Monthly
Period 0.6903198
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2. SERVICING FEE
(a) The aggregate amount of the Servicing Fee paid to the
Servicer with respect to the preceding Monthly Period
from the Collection Account 112,517.60
(b) The amount of such Servicing Fee per $ 1,000 interest 1.8752933
(c) The amount of any unpaid Servicing Fee 0.00
(d) The change in the amount of any unpaid Servicing Fee
from the previous Distribution Date 0.00
3. OTHER FEES
(a) The aggregate amount of Trustee Fees paid to the Trustee
from the Collection Account 333.33
(b) The aggregate amount of Insurance Premium paid to the
Certificate Insurer from the Collection Account 8,628.99
4. PAYMENT SHORTFALLS
(a) The amount of the Interest Carryover Shortfall after
giving effect to the payments set forth in Paragraph
A. 1. (b) above 0.00
(b) The amount of such Interest Carryover Shortfall
per $1,000 Interest 0.0000000
(c) The change in the amount of the Interest Carryover
Shortfall from the previous Distribution Date 0.00
(d) The amount of the Principal Carryover Shortfall after
giving effect to the payments set forth in Paragraph
A. 1. (c) above 0.00
(e) The amount of such Principal Carryover Shortfall
per $1,000 Interest 0.0000000
(f) The change in the amount of the Principal Carryover
Shortfall from the previous Distribution Date 0.00
5. REALIZED LOSSES
(a) Realized Losses for the Period funded by the Spread
Account 282,250.71
1. Cram Down Losses 0.00
2. Losses on Liquidated Receivables 282,250.71
(b) Aggregate Realized Losses, if any,
1. Preceding Monthly Period Oct-96 1,878,787.51
2. Second preceding Monthly Period Sep-96 1,596,536.80
6. PURCHASE AMOUNTS
The aggregate Purchase Amounts for Receivables,
if any, that were repurchased in such period 0.00
7. PAYAHEAD ACCOUNT
(a) The aggregate Payahead Balance 90,872.34
(b) The change in the Payahead Balance from the
previous Distribution Date (10,918.01)
(1) The aggregate Payaheads pursuant to Section
14.03 for the Monthly Period which were
transferred from the Collection Account to
the Payahead Account. 12,719.23
(2) The portion of the Payaheads constituting
Scheduled Payments on PreComputed Receivables
or the portion that are applied to Prepay a
PreComputed Receivable in full pursuant to
Section 14.03 which were transferred from
the Payahead Account to the
Collection Account. 23,637.24
(c) The investment earnings on funds in the Payahead Account
(transferred from the Payahead to the Collection Account)
and remitted to the Seller as Supplemental Servicing Fee 553.30
(2)
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8. SPREAD ACCOUNT
(a) The Spread Account balance after giving effect to
distributions made on such Distribution Date 4,398,738.98
(b) The change in the Spread Account balance on such
Distribution Date 66,340.81
(c) The Amount withdrawn from the Spread Account and
payable to the Certificateholders (Deficiency Claim
Amount) 0.00
(d) The Amount withdrawn from the Spread Account and
payable to the Seller (Remaining Funds). 0.00
(e) The investment earnings on funds in the Spread Account
(transferred from the Spread to the Collection Account)
and remitted to the Seller as Supplemental Servicing Fee 18,976.25
9. THE POLICY
The amount distributable from the Policy and payable to the
Certificateholders, after giving effect to withdrawals from the
Spread Account (Deficiency Claim Amount) 0.00
10. THE NOTICES
(a) Pursuant to Section 14.04, there is a Deficiency Claim
Amount of $0.00 to be withdrawn from the Spread Account to
fund the amount payable on the related Distribution Date
for items (i) thru (v) of Section 14.06 (b)
(b) Pursuant to Section 14A.02, there is a Deficiency Claim
Amount of $0.00 to be withdrawn from the Policy to fund
the amount payable on the related Distribution Date for
items (i) thru (v) of Section 14.06 (b)
11. TERMINATION OF TRUST
The amount to be distributed to the Certificateholders from the
Collection Account pursuant to the Termination of the Trust
(Section 20.01) 0.00
12. OTHER INFORMATION
Pursuant to Section 13.09 (b) (i)
(a) Delinquency Ratio 5.3063%
(b) Average Delinquency Ratio 5.7524%
(c) Default Rate 14.9568%
(d) Average Default Rate 11.2893%
(e) Net Loss Rate 7.8179%
(f) Average Net Loss Rate 6.4445%
Pursuant to Section 13.09 (b) (ii)
Trigger Event occurred as of 11/13/96 YES
Pursuant to Section 13.09 (b) (iii)
Prior Trigger Event Deemed Cured as of NO
Pursuant to Section 13.09 (b) (iv)
Insurance Agreement Event of Default NO
Weighted Average Rate 19.38%
Weighted Average Remaining Term 42.37
**NOTE** Pursuant to Section 14.02 (b)
Amount deposited into the Collection Account due to
mistaken deposits, postings or checks returned for
insufficient funds to be reimbursed to the Servicer 0.00
(3)
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13. PRE-FUND ACCOUNT
(a) The Pre-Fund Account balance after giving effect
to distributions made on such Distribution Date 0.00
(b) The Pre-Fund Account Balance per $1,000 interest 0.0000000
(c) The Amount withdrawn from the Pre-Fund Account and
transferred to the Collection Account (payable to the
Certificateholders) 0.00
(d) The amount of Pre-Fund Account distribution per
$ 1,000 interest 0.0000000
(e) The interest earnings on funds in the Pre-Fund Account
(transferred from the Pre-Fund to the Collection
Account) and remitted to the Seller as Supplemental
Servicing Fee 0.00
14. CAPITALIZED INTEREST ACCOUNT
(a) The Capitalized Interest Account balance after
giving effect to distributions made on such
Distribution Date 0.00
(b) The Amount withdrawn from the Capitalized Interest
Account and transferred to the Collection Account
(payable to the Certificateholders) 0.00
(c) The Amount withdrawn from the Capitalized Interest
Account and transferred to the Collection Account
(payable to the Sellers) 0.00
(e) The interest earnings on funds in the Capitalized
Interest Account (transferred from the Capitalized
Interest to the Collection Account) and remitted to the
Seller as Supplemental Servicing Fee 0.00
(4)
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I, Harry Puglisi, Treasurer, represent that The Money Store Auto Finance Inc.
complied with section 13.09 of the Pooling and Servicing Agreement dated
December 19, 1995 pertaining to Series 1995 - 2 in preparing the accompanying
Servicer's Certificate.
THE MONEY STORE AUTO FINANCE INC.
By: /s/ Harry Puglisi
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HARRY PUGLISI
TREASURER
(5)
