<PAGE> 1
THE MONEY STORE ASSET BACKED CERTIFICATES
SERIES 1998-A
STATEMENT TO CERTIFICATEHOLDER
RECORD DATE: 10/31/00
DETERMINATION DATE: 11/10/00
DISTRIBUTION DATE: 11/15/00
A
<TABLE>
<CAPTION>
====================================================================================================================================
Original Beginning Current Ending
Certificate Certificate Certificate Realized Total Certificate
Class Cusip Rate Balance Balance Interest Principal Loss Distribution Balance
------------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
AF-1 60935BCX5 6.35000% 131,000,000.00 0.00 0.00 0.00 0.00 0.00 0.00
Factors per
Thousand 0.00000000 0.00000000 0.00000000 0.00000000
------------------------------------------------------------------------------------------------------------------------------------
AF-2 60935BDS5 6.20500% 66,000,000.00 0.00 0.00 0.00 0.00 0.00 0.00
Factors per
Thousand 0.00000000 0.00000000 0.00000000 0.00000000
------------------------------------------------------------------------------------------------------------------------------------
AF-3 60935BCZ0 6.13000% 120,000,000.00 25,230,360.30 128,885.09 6,568,830.70 0.00 6,697,715.79 18,661,529.60
Factors per
Thousand 1.07404242 54.74025583 55.81429825 155.51274667
------------------------------------------------------------------------------------------------------------------------------------
AF-4 60935BDA4 6.22500% 45,000,000.00 45,000,000.00 233,437.50 0.00 0.00 233,437.50 45,000,000.00
Factors per
Thousand 5.18750000 0.00000000 5.18750000 1000.00000000
------------------------------------------------------------------------------------------------------------------------------------
AF-5 60935BDB2 6.37000% 59,000,000.00 59,000,000.00 313,191.67 0.00 0.00 313,191.67 59,000,000.00
Factors per
Thousand 5.30833333 0.00000000 5.30833333 1000.00000000
------------------------------------------------------------------------------------------------------------------------------------
AF-6 60935BDC0 6.47000% 43,000,000.00 43,000,000.00 231,841.67 0.00 0.00 231,841.67 43,000,000.00
Factors per
Thousand 5.39166667 0.00000000 5.39166667 1000.00000000
------------------------------------------------------------------------------------------------------------------------------------
AF-7 60935BDD8 6.87000% 49,000,000.00 49,000,000.00 280,525.00 0.00 0.00 280,525.00 49,000,000.00
Factors per
Thousand 5.72500000 0.00000000 5.72500000 1000.00000000
------------------------------------------------------------------------------------------------------------------------------------
AF-8 60935BDE6 6.24500% 30,000,000.00 30,000,000.00 156,125.00 0.00 0.00 156,125.00 30,000,000.00
Factors per
Thousand 5.20416667 0.00000000 5.20416667 1000.00000000
------------------------------------------------------------------------------------------------------------------------------------
AF-9 60935BDF3 6.40000% 27,000,000.00 27,000,000.00 144,000.00 0.00 0.00 144,000.00 27,000,000.00
Factors per
Thousand 5.33333333 0.00000000 5.33333333 1000.00000000
------------------------------------------------------------------------------------------------------------------------------------
POOL I 570,000,000.00 278,230,360.30 1,488,005.92 6,568,830.70 0.00 8,056,836.62 271,661,529.60
Totals 5.34810767 23.60932392 28.95743159 476.59917474
------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------
A-V 60935BDG1 6.80000% 530,000,000.00 167,212,502.67 947,537.52 6,184,634.75 0.00 7,132,172.27 161,027,867.92
Factors per
Thousand 1.78780663 11.66912217 13.45692880 303.82616589
------------------------------------------------------------------------------------------------------------------------------------
POOL II 530,000,000.00 167,212,502.67 947,537.52 6,184,634.75 0.00 7,132,172.27 161,027,867.92
Totals 1.78780663 11.66912217 13.45692880 303.82616589
====================================================================================================================================
</TABLE>
THE BANK OF NEW YORK KARON GREENE
101 Barclay Street PHONE: 212-815-8363
New York, New York 10286 FAX: 212-815-5309
<PAGE> 2
THE MONEY STORE ASSET BACKED CERTIFICATES
SERIES 1998-A
STATEMENT TO CERTIFICATEHOLDER
RECORD DATE: 10/31/00
DETERMINATION DATE: 11/10/00
DISTRIBUTION DATE: 11/15/00
A
<TABLE>
<CAPTION>
====================================================================================================================================
Original Beginning Current Ending
Certificate Certificate Certificate Realized Total Certificate
Class Cusip Rate Balance Balance Interest Principal Loss Distribution Balance
------------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
AH-1 60935BDH9 6.35500% 55,523,000.00 0.00 0.00 0.00 0.00 0.00 0.00
Factors per
Thousand 0.00000000 0.00000000 0.00000000 0.00000000
------------------------------------------------------------------------------------------------------------------------------------
AH-2 60935BDJ5 6.20000% 12,685,000.00 0.00 0.00 0.00 0.00 0.00 0.00
Factors per
Thousand 0.00000000 0.00000000 0.00000000 0.00000000
------------------------------------------------------------------------------------------------------------------------------------
AH-3 60935BDK2 6.17500% 29,307,000.00 0.00 0.00 0.00 0.00 0.00 0.00
Factors per
Thousand 0.00000000 0.00000000 0.00000000 0.00000000
------------------------------------------------------------------------------------------------------------------------------------
AH-4 60935BDL0 6.39500% 10,406,000.00 8,235,180.29 43,886.65 2,063,425.25 0.00 2,107,311.90 6,171,755.04
Factors per
Thousand 4.21743689 198.29187511 202.50931200 593.09581372
------------------------------------------------------------------------------------------------------------------------------------
AH-5 60935BDM8 6.91000% 18,510,000.00 18,510,000.00 106,586.75 0.00 0.00 106,586.75 18,510,000.00
Factors per
Thousand 5.75833333 0.00000000 5.75833333 1000.00000000
------------------------------------------------------------------------------------------------------------------------------------
MH-1 60935BDN6 6.88500% 12,375,000.00 12,375,000.00 71,001.56 0.00 0.00 71,001.56 12,375,000.00
Factors per
Thousand 5.73750000 0.00000000 5.73750000 1000.00000000
------------------------------------------------------------------------------------------------------------------------------------
MH-2 60935BDP1 7.23000% 12,581,000.00 12,581,000.00 75,800.53 0.00 0.00 75,800.53 12,581,000.00
Factors per
Thousand 6.02500000 0.00000000 6.02500000 1000.00000000
------------------------------------------------------------------------------------------------------------------------------------
BH 60935BDQ9 7.96500% 13,613,000.00 13,613,000.00 90,356.29 0.00 0.00 90,356.29 13,613,000.00
Factors per
Thousand 6.63750000 0.00000000 6.63750000 1000.00000000
------------------------------------------------------------------------------------------------------------------------------------
POOL III 165,000,000.00 65,314,180.29 387,631.77 2,063,425.25 0.00 2,451,057.03 63,250,755.04
Totals 2.34928347 12.50560759 14.85489106 383.34
------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------
X n/a 0.00000% 0.00 0.00 1,069,335.81 0.00 0.00 1,069,335.81 0.00
------------------------------------------------------------------------------------------------------------------------------------
R n/a 0.00000% 0.00 0.00 0.00 0.00 0.00 0.00 0.00
------------------------------------------------------------------------------------------------------------------------------------
TOTALS 1,265,000,000.00 510,757,043.26 3,892,511.02 14,816,890.70 0.00 18,709,401.73 495,940,152.56
====================================================================================================================================
</TABLE>
THE BANK OF NEW YORK KARON GREENE
101 Barclay Street PHONE: 212-815-8363
New York, New York 10286 FAX: 212-815-5309
<PAGE> 3
THE MONEY STORE ASSET BACKED CERTIFICATES
SERIES 1998-A
STATEMENT TO CERTIFICATEHOLDER
RECORD DATE: 10/31/00
DETERMINATION DATE: 11/10/00
DISTRIBUTION DATE: 11/15/00
A
<TABLE>
<CAPTION>
===================================================================================================================================
CERTIFICATE INFORMATION
POOL I POOL III
Interest Carry Forward Monthly Advance Interest Carry Forward Monthly Advance
Requirement Amount for Bankruptcy Requirement Amount for Bankruptcy
<S> <C> <C> <C> <C> <C> <C> <C>
AF-1 0.00 0.00 0.00
AF-2 0.00 0.00 0.00 AH-1 0.00 0.00 0.00
AF-3 128,885.09 0.00 0.00 AH-2 0.00 0.00 0.00
AF-4 233,437.50 0.00 0.00 AH-3 0.00 0.00 0.00
AF-5 313,191.67 0.00 0.00 AH-4 43,886.65 0.00 0.00
AF-6 231,841.67 0.00 0.00 AH-5 106,586.75 0.00 0.00
AF-7 280,525.00 0.00 0.00 MH-1 71,001.56 0.00 0.00
AF-8 156,125.00 0.00 0.00 MH-2 75,800.53 0.00 0.00
AF-9 144,000.00 0.00 0.00 BH 90,356.29 0.00 0.00
POOL II Applied Realized Unapplied Realized
Loss Amount Loss Amount
AV 947,537.52 0.00 0.00 AH-1 0.00 0.00
AH-2 0.00 0.00
AH-3 0.00 0.00
AH-4 0.00 0.00
AH-5 0.00 0.00
MH-1 0.00 0.00
MH-2 0.00 0.00
BH 0.00 0.00
===================================================================================================================================
</TABLE>
THE BANK OF NEW YORK KARON GREENE
101 Barclay Street PHONE: 212-815-8363
New York, New York 10286 FAX: 212-815-5309
<PAGE> 4
THE MONEY STORE ASSET BACKED CERTIFICATES
SERIES 1998-A
STATEMENT TO CERTIFICATEHOLDER
RECORD DATE: 10/31/00
DETERMINATION DATE: 11/10/00
DISTRIBUTION DATE: 11/15/00
A
<TABLE>
<CAPTION>
====================================================================================================================================
POOL I
SCHEDULE OF REMITTANCE COLLATERAL INFORMATION
<S> <C> <C> <C>
Aggregate Amount Received 8,943,508.19 Adjusted Mortgage Interest Rate 9.828%
Aggregate Beginning Principal Balance of Loans 295,330,360.30
Monthly Advance 25,271.01 Aggregate Ending Principal Balance of Loans 288,761,529.60
(Unreimbursed Monthly Advance) 0.00 Class X Distribution 507,741.24
(Servicer Fee) (61,035.27) Compensating Interest 717.91
(Contingency Fee) (61,035.27) Curtailments 726,059.60
(Late Charges) (66,339.64) Excess and Monthly Payments 613,106.03
(Escrow) (189,707.06) Insured Payment for Pool I & II 0.00
(Excess Spread) (940,351.38) Interest Received 2,551,240.93
(Subordination Reduction Amount) 0.00 Monthly Excess Spread Percentage 100.000%
------------- Payments And Reimbursements to the Servicers Pursuant to:
(1,293,197.61) Section 5.04(b) 0.00
Section 5.04(c) 0.00
AVAILABLE REMITTANCE AMOUNT 7,650,310.58 Section 5.04(d)(ii) 0.00
============= Section 5.04(e) 0.00
FEES Section 5.04(f)(i) 122,070.54
Contingency Fee 61,035.27 Principal Prepayments (Number/Amount) 82 4,774,658.04
Expense Account 2,318.59 Realized Losses/Cumulative 455,006.95 12,437,987.12
Insurance Fee 23,765.51 Specified Subordinated Amount 17,100,000.00
Servicer Fee 61,035.27 Spread Account Balance 0.00
Subordinated Amount 16,644,992.97
WAC 10.473%
PRIOR THREE MONTHS WEIGHTED AVERAGE MORTGAGE INTEREST RATES WAM 257.159
7/31/00 8/31/00 9/30/00 Weighted Average Adjusted Mortgage Loan Remittance Rate 6.530%
------- ------- -------
10.492% 10.485% 10.479%
====================================================================================================================================
</TABLE>
THE BANK OF NEW YORK KARON GREENE
101 Barclay Street PHONE: 212-815-8363
New York, New York 10286 FAX: 212-815-5309
<PAGE> 5
THE MONEY STORE ASSET BACKED CERTIFICATES
SERIES 1998-A
STATEMENT TO CERTIFICATEHOLDER
RECORD DATE: 10/31/00
DETERMINATION DATE: 11/10/00
DISTRIBUTION DATE: 11/15/00
A
<TABLE>
<CAPTION>
===================================================================================================================================
POOL II
SCHEDULE OF REMITTANCE COLLATERAL INFORMATION
<S> <C> <C> <C>
Aggregate Amount Received 7,948,265.22 Adjusted Mortgage Interest Rate 10.566%
Aggregate Beginning Principal Balance of Loans 185,403,006.00
Monthly Advance 60,475.15 Aggregate Ending Principal Balance of Loans 178,585,180.70
(Unreimbursed Monthly Advance) 0.00 Class X Distribution 561,594.57
(Servicer Fee) (37,260.46) Compensating Interest 0.00
(Contingency Fee) (37,260.45) Curtailments 1,032,621.32
(Late Charges) (68,874.36) Excess and Monthly Payment 89,158.51
(Escrow) (154,508.66) Insured Payment for Pool I & II 0.00
(Excess Spread) (690,269.21) Interest Received 1,668,922.09
(Subordination Reduction Amount) 0.00 Libor 6.62000%
------------- Monthly Excess Spread Percentage 100.000%
(927,697.99) Payments And Reimbursements to the Servicers Pursuant to:
Section 5.04(b) 0.00
AVAILABLE REMITTANCE AMOUNT 7,020,567.23 Section 5.04(c) 0.00
============= Section 5.04(d)(ii) 0.00
FEES Section 5.04(e) 0.00
Contingency Fee 37,260.45 Section 5.04(f)(i) 74,520.91
Expense Account 1,393.44 Principal Prepayments (Number/Amount) 60 4,926,726.04
Insurance Fee 15,676.17 Realized Losses (Current/Cumulative) 769,319.43 10,726,333.02
Servicer Fee 37,260.46 Specified Subordinated Amount 17,557,312.78
Spread Account Balance 0.00
Subordinated Amount 17,421,183.90
PRIOR THREE MONTHS WEIGHTED AVERAGE MORTGAGE INTEREST RATES WAC 11.211%
7/31/00 8/31/00 9/30/00 WAM 326.402
------- ------- ------- Weighted Average Adjusted Mortgage Loan Remittance Rate 6.923%
11.026% 11.113% 11.168%
===================================================================================================================================
</TABLE>
THE BANK OF NEW YORK KARON GREENE
101 Barclay Street PHONE: 212-815-8363
New York, New York 10286 FAX: 212-815-5309
<PAGE> 6
THE MONEY STORE ASSET BACKED CERTIFICATES
SERIES 1998-A
STATEMENT TO CERTIFICATEHOLDER
RECORD DATE: 10/31/00
DETERMINATION DATE: 11/10/00
DISTRIBUTION DATE: 11/15/00
A
<TABLE>
<CAPTION>
====================================================================================================================================
POOL III
SCHEDULE OF REMITTANCE COLLATERAL INFORMATION
<S> <C> <C> <C>
Aggregate Amount Received 2,499,223.61 Accelerated Principal Distribution 0.00
Adjusted Mortgage Interest Rate 12.317%
Monthly Advance 30,009.34 Aggregate Beginning Principal Balance of Loans 73,019,641.30
(Unreimbursed Monthly Advance) 0.00 Aggregate Ending Principal Balance of Loans 70,576,556.39
(Servicer Fee) (14,625.68) Class X Distribution 0.00
(Contingency Fee) (14,625.67) Compensating Interest 106.88
(Late Charges) (19,978.13) Curtailments 15,425.12
(Escrow) (23,466.16) Excess and Monthly Payment 221,134.74
(Excess Spread) (363,381.96) FHA Claims Denied 0.00
(Subordination Reduction Amount) 0.00 FHA Claims Filed 49,132.74
------------- FHA Claims Paid 47,856.90
(406,068.27) FHA Claims Pending 372,148.46
FHA Payments Received 47,856.90
AVAILABLE REMITTANCE AMOUNT 2,093,155.34 Interest Received 751,344.32
============= Maximum Subordinated Amount 6,366,564.00
FEES Monthly Excess Spread Percentage 100.000%
Contingency Fee 14,625.67 Payments And Reimbursements to the Servicers Pursuant to:
Expense Account 1,088.57 Section 5.04(f)(i) 29,251.35
FHA Premium Account 4,391.71 Principal Prepayments (Number/Amount) 83 1,404,314.72
Servicer Fee 14,625.68 Realized Losses (Current/Cumulative) 756,357.00 17,476,547.31
Senior Percentage/Class B Percent 100.000% 0.000%
Specified Subordinated Amount 9,900,000.00
PRIOR THREE MONTHS WEIGHTED AVERAGE MORTGAGE INTEREST RATES Spread Account Balance 0.00
7/31/00 8/31/00 9/30/00 Subordinated Amount 6,949,104.01
------- ------- ------- Trigger in Effect (Yes/No) No
12.870% 12.868% 12.864% WAC 12.860%
WAM 193.123
Weighted Average Adjusted Mortgage Loan Remittance Rate 8.142%
Reserve Amount 814,712.31
====================================================================================================================================
</TABLE>
THE BANK OF NEW YORK KARON GREENE
101 Barclay Street PHONE: 212-815-8363
New York, New York 10286 FAX: 212-815-5309
<PAGE> 7
THE MONEY STORE ASSET BACKED CERTIFICATES
SERIES 1998-A
STATEMENT TO CERTIFICATEHOLDER
RECORD DATE: 10/31/00
DETERMINATION DATE: 11/10/00
DISTRIBUTION DATE: 11/15/00
A
<TABLE>
<CAPTION>
===================================================================================================================================
--------------------------------------------------------------------------------------
EXHIBIT O - POOL I DELINQUENT INFOR. # LOANS AMOUNT PERCENTAGE
--------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C>
Delinquent 1-29 Days 536 26,381,585.74 9.14%
-------------------------------------- Delinquent 30-59 Days 125 6,478,953.44 2.24%
Outstanding Balance 288,761,529.60 Delinquent 60-89 Days 37 2,507,637.71 0.87%
-------------------------------------- Delinquent 90 and over 87 5,957,201.46 2.06%
# Accounts 5,481 Loans in Foreclosure 185 11,317,055.22 3.92%
-------------------------------------- REO Property 53 3,417,611.21 1.18%
-----------------------------------------------------------
TOTALS 1,023 56,060,044.78 19.41%
--------------------------------------------------------------------------------------
--------------------------------------------------------------------------------------
EXHIBIT O - POOL II DELINQUENT INFOR. # LOANS AMOUNT PERCENTAGE
--------------------------------------------------------------------------------------
Delinquent 1-29 Days 178 13,551,225.55 7.59%
-------------------------------------- Delinquent 30-59 Days 65 4,876,270.04 2.73%
Outstanding Balance 178,585,180.70 Delinquent 60-89 Days 22 1,570,335.18 0.88%
-------------------------------------- Delinquent 90 and over 99 8,044,762.25 4.50%
# Accounts 2,221 Loans in Foreclosure 215 19,127,215.17 10.71%
-------------------------------------- REO Property 67 5,047,971.78 2.83%
-----------------------------------------------------------
TOTALS 646 52,217,779.97 29.24%
--------------------------------------------------------------------------------------
--------------------------------------------------------------------------------------
EXHIBIT O - POOL III DELINQUENT INFOR. # LOANS AMOUNT PERCENTAGE
--------------------------------------------------------------------------------------
Delinquent 1-29 Days 627 11,610,962.84 16.45%
-------------------------------------- Delinquent 30-59 Days 123 1,895,404.11 2.69%
Outstanding Balance 70,576,556.39 Delinquent 60-89 Days 62 1,010,268.27 1.43%
-------------------------------------- Delinquent 90 and over 72 1,438,755.17 2.04%
# Accounts 4,077 Loans in Foreclosure 12 289,343.65 0.41%
-------------------------------------- REO Property 1 13,822.97 0.02%
-----------------------------------------------------------
TOTALS 897 16,258,557.01 23.04%
--------------------------------------------------------------------------------------
===================================================================================================================================
</TABLE>
THE BANK OF NEW YORK KARON GREENE
101 Barclay Street PHONE: 212-815-8363
New York, New York 10286 FAX: 212-815-5309
