<PAGE>
GreenPoint HELT 2000-1
Class A-2 Certificates
HELOCs: 40% CPR, 20% Draw
2nds: 30% CPR
<TABLE>
<CAPTION>
Class A-2 Class A-2 Class A-2
End Interest Principal
Period Month Balance Paid Paid
------ ----- ------- ---- ----
<S> <C> <C> <C> <C>
0 06/29/00 112,040,000
1 07/15/00 108,943,497 343,154 3,096,503
2 08/15/00 106,211,739 646,485 2,731,758
3 09/15/00 103,292,746 630,274 2,918,993
4 10/15/00 100,422,127 593,180 2,870,619
5 11/15/00 97,637,638 595,918 2,784,489
6 12/15/00 94,899,306 560,704 2,738,332
7 01/15/01 92,242,808 563,145 2,656,498
8 02/15/01 89,648,017 547,381 2,594,791
9 03/15/01 87,061,938 480,501 2,586,079
10 04/15/01 84,724,132 516,637 2,337,807
11 05/15/01 82,632,837 486,546 2,091,295
12 06/15/01 80,591,987 490,354 2,040,850
13 07/15/01 78,600,356 462,816 1,991,631
14 08/15/01 76,656,748 466,425 1,943,608
15 09/15/01 74,759,998 454,891 1,896,750
16 10/15/01 72,908,967 429,325 1,851,031
17 11/15/01 71,102,546 432,651 1,806,421
18 12/15/01 69,339,652 408,321 1,762,894
19 01/15/02 67,619,228 411,471 1,720,423
20 02/15/02 65,940,245 401,261 1,678,983
21 03/15/02 64,301,698 353,431 1,638,547
22 04/15/02 62,702,605 381,575 1,599,093
23 05/15/02 61,142,011 360,083 1,560,594
24 06/15/02 59,618,981 362,825 1,523,029
25 07/15/02 58,132,606 342,374 1,486,375
26 08/15/02 56,681,998 344,967 1,450,608
27 09/15/02 55,266,290 336,358 1,415,708
28 10/15/02 53,884,636 317,378 1,381,654
29 11/15/02 52,536,212 319,759 1,348,424
30 12/15/02 51,220,214 301,700 1,315,998
31 01/15/03 49,935,856 303,948 1,284,358
</TABLE>
<PAGE>
<TABLE>
<S> <C> <C> <C> <C>
32 02/15/03 48,682,373 296,326 1,253,483
33 03/15/03 47,459,017 260,931 1,223,355
34 04/15/03 46,265,061 281,628 1,193,957
35 05/15/03 45,099,792 265,687 1,165,269
36 06/15/03 43,962,516 267,628 1,137,275
37 07/15/03 43,086,966 252,464 875,550
38 08/15/03 42,057,830 255,684 1,029,136
39 09/15/03 41,053,405 249,577 1,004,425
40 10/15/03 40,073,095 235,758 980,310
41 11/15/03 39,116,317 237,799 956,778
42 12/15/03 38,182,502 224,634 933,815
43 01/15/04 37,271,097 226,580 911,406
44 02/15/04 36,381,559 221,172 889,538
45 03/15/04 35,513,361 201,964 868,198
46 04/15/04 34,665,988 210,741 847,373
47 05/15/04 33,838,936 199,077 827,051
48 06/15/04 33,031,717 200,805 807,219
49 07/15/04 32,243,851 189,692 787,866
50 08/15/04 31,474,871 191,339 768,980
51 09/15/04 30,724,322 186,776 750,549
52 10/15/04 29,991,760 176,441 732,562
53 11/15/04 29,276,751 177,975 715,009
54 12/15/04 28,578,872 168,128 697,879
55 01/15/05 27,897,710 169,591 681,162
56 02/15/05 27,232,861 165,549 664,848
57 03/15/05 26,583,934 145,964 648,927
58 04/15/05 25,950,545 157,753 633,389
59 05/15/05 25,332,319 149,026 618,226
60 06/15/05 24,728,892 150,325 603,427
61 07/15/05 23,715,915 142,011 1,012,977
62 08/15/05 22,744,561 140,733 971,354
63 09/15/05 21,813,115 134,969 931,446
64 10/15/05 20,919,931 125,266 893,184
65 11/15/05 20,063,433 124,142 856,498
66 12/15/05 19,242,109 115,218 821,324
67 01/15/06 18,454,510 114,185 787,599
68 02/15/06 17,699,247 109,511 755,263
69 03/15/06 16,974,987 94,866 724,259
70 04/15/06 16,280,455 100,732 694,533
71 05/15/06 15,614,425 93,494 666,030
72 06/15/06 14,975,724 92,658 638,701
73 07/15/06 14,363,227 86,001 612,497
74 08/15/06 13,775,856 85,233 587,372
75 09/15/06 13,212,575 81,748 563,280
76 10/15/06 12,672,394 75,876 540,181
77 11/15/06 12,154,363 75,200 518,032
</TABLE>
<PAGE>
<TABLE>
<S> <C> <C> <C> <C>
78 12/15/06 11,657,569 69,799 496,794
79 01/15/07 11,181,140 69,178 476,429
80 02/15/07 0 66,350 11,181,140
</TABLE>
<PAGE>
COMPUTATIONAL MATERIALS DISCLAIMER
The attached tables and other statistical analyses (the "Computational
Materials") are privileged and intended for use by the addressee only. These
Computational Materials have been prepared by Greenwich Capital Markets, Inc. in
reliance upon information furnished by the issuer of the securities and its
affiliates. These Computational Materials are furnished to you solely by
Greenwich Capital Markets, Inc. and not by the issuer of the securities. They
may not be provided to any third party other than the addressee's legal, tax,
financial and/or accounting advisors for the purposes of evaluating said
material.
Numerous assumptions were used in preparing the Computational Materials which
may or may not be reflected therein. As such, no assurance can be given as to
the Computational Materials' accuracy, appropriateness or completeness in any
particular context; nor as to whether the Computational Materials and/or the
assumptions upon which they are based reflect present market conditions or
future market performance. These Computational Materials should not be construed
as either projections or predictions or as legal, tax, financial or accounting
advice.
Any weighted average lives, yields and principal payment periods shown in the
Computational Materials are based on prepayments assumptions, and changes in
such prepayment assumptions may dramatically affect such weighted average lives,
yields and principal payment periods. In addition, it is possible that
prepayments on the underlying assets will occur at rates slower or faster than
the rates shown in the attached Computational Materials. Furthermore, unless
otherwise provided, the Computational Materials assume no losses on the
underlying assets and no interest shortfall. The specific characteristics of the
securities may differ from those shown in the Computational Materials due to
differences between the actual underlying assets and the hypothetical underlying
assets used in preparing the Computational Materials. The principal amount and
designation of any security described in the Computational Materials are subject
to change prior to issuance. Neither Greenwich Capital Markets, Inc. nor any of
its affiliates makes any representation or warranty as to the actual rate or
timing of payments on any of the underlying assets or the payments or yield on
the securities.
Although a registration statement (including the Prospectus) relating to the
securities discussed in this communication has been filed with the Securities
and Exchange Commission and is effective, the final prospectus supplement
relating to the securities discussed in this communication has not been filed
with Securities and Exchange Commission. This communication shall not constitute
an offer to sell or the solicitation of an offer to buy nor shall there be any
sale of the securities discussed in this communication in any state in which
such offer, solicitation or sale would be unlawful prior to registration or
qualification of such securities under the securities laws of any such state.
Prospective purchasers are referred to the final prospectus supplement relating
to the securities discussed in this communication for definitive Computational
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Please be advised that the securities described herein may not be appropriate
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