<PAGE> 1
SERVICER'S CERTIFICATE
IN ACCORDANCE WITH SECTION 6.10 OF THE POOLING AND SERVICING AGREEMENT DATED AS
OF FEBRUARY 28,1998, THE MONEY STORE INC. REPORTS THE FOLLOWING INFORMATION
PERTAINING TO SERIES 1998-A FOR THE July 12, 2000 DETERMINATION DATE
<TABLE>
<CAPTION>
POOL I POOL II POOL III
<C> <C> <C> <C>
1. AGGREGATE AMOUNT RECEIVED (5.03 b) $8,888,555.31 $10,604,348.48 $2,377,703.13
ADJ : RECALCULATION 0.00 0.00 0.00
--------------------------------------------
8,888,555.31 10,604,348.48 2,377,703.13
LESS: SERVICE FEE (7.03 & 5.04) 66,412.01 44,390.79 16,672.19
CONTINGENCY FEE (7.03 & 5.04) 66,412.01 44,390.79 16,672.19
OTHER SERVICER FEES
(Late Charges/Escrow) (7.03 & 5.04) 253,607.09 298,856.94 38,370.10
UNREIMBURSED MONTHLY ADVANCES (5.04 b) 0.00 0.00 0.00
--------------------------------------------
386,431.11 387,638.52 71,714.48
PLUS: MONTHLY ADVANCE (6.11) - INCLUDING
COMPENSATING INTEREST (6.12) 23,363.78 43,916.63 11,478.27
PRE-FUNDING ACCOUNT TRANSFER (6.02) 0.00 0.00 0.00
CAPITALIZED INTEREST ACCOUNT TRANSFER (6.02) 0.00 0.00 0.00
--------------------------------------------
23,363.78 43,916.63 11,478.27
LESS: EXCESS SPREAD (I-19) 1,018,588.15 726,975.35 398,117.21
SUBORDINATION REDUCTION AMOUNT (I-56) 0.00 0.00 0.00
--------------------------------------------
1,018,588.15 726,975.35 398,117.21
--------------------------------------------
AVAILABLE REMITTANCE AMOUNT 7,506,899.83 9,533,651.24 1,919,349.71
============================================
2. (A) CLASS AF-1 PRINCIPAL BALANCE AS REPORTED
IN PRIOR SERVICER'S CERTIFICATE 0.00
(B) CLASS AF-2 PRINCIPAL BALANCE AS REPORTED
IN PRIOR SERVICER'S CERTIFICATE 0.00
(C) CLASS AF3 PRINCIPAL BALANCE AS REPORTED
IN PRIOR SERVICER'S CERTIFICATE 50,721,066.44
(D) CLASS AF-4 PRINCIPAL BALANCE AS REPORTED
IN PRIOR SERVICER'S CERTIFICATE 45,000,000.00
(E) CLASS AF-5 PRINCIPAL BALANCE AS REPORTED
IN PRIOR SERVICER'S CERTIFICATE 59,000,000.00
(F) CLASS AF-6 PRINCIPAL BALANCE AS REPORTED
IN PRIOR SERVICER'S CERTIFICATE 43,000,000.00
(G) CLASS AF-7 PRINCIPAL BALANCE AS REPORTED
IN PRIOR SERVICER'S CERTIFICATE 49,000,000.00
(H) CLASS AF-8 PRINCIPAL BALANCE AS REPORTED
IN PRIOR SERVICER'S CERTIFICATE 30,000,000.00
(I) CLASS AF-9 PRINCIPAL BALANCE AS REPORTED
IN PRIOR SERVICER'S CERTIFICATE 27,000,000.00
(J) CLASS AV PRINCIPAL BALANCE AS REPORTED
IN PRIOR SERVICER'S CERTIFICATE 189,927,479.01
</TABLE>
<PAGE> 2
(K) CLASS AH-1 PRINCIPAL BALANCE AS REPORTED
IN PRIOR SERVICER'S CERTIFICATE 0.00
(L) CLASS AH-2 PRINCIPAL BALANCE AS REPORTED
IN PRIOR SERVICER'S CERTIFICATE 0.00
(M) CLASS AH-3 PRINCIPAL BALANCE AS REPORTED
IN PRIOR SERVICER'S CERTIFICATE 6,680,919.52
(N) CLASS AH-4 PRINCIPAL BALANCE AS REPORTED
IN PRIOR SERVICER'S CERTIFICATE 10,406,000.00
(O) CLASS AH-5 PRINCIPAL BALANCE AS REPORTED
IN PRIOR SERVICER'S CERTIFICATE 18,510,000.00
(P) CLASS MH-1 PRINCIPAL BALANCE AS REPORTED
IN PRIOR SERVICER'S CERTIFICATE 12,375,000.00
(Q) CLASS MH-2 PRINCIPAL BALANCE AS REPORTED
IN PRIOR SERVICER'S CERTIFICATE 12,581,000.00
(R) CLASS BH PRINCIPAL BALANCE AS REPORTED
IN PRIOR SERVICER'S CERTIFICATE 13,613,000.00
3. PRINCIPAL DISTRIBUTION AMOUNTS :
CLASS AF-1 0.00
CLASS AF-2 0.00
CLASS AF-3 6,000,079.10
CLASS AF-4 0.00
CLASS AF-5 0.00
CLASS AF-6 0.00
CLASS AF-7 0.00
CLASS AF-8 0.00
CLASS AF-9 0.00
TOTAL POOL I PRINCIPAL DISTRIBUTION AMOUNT: 6,000,079.10
CLASS AV (POOL II) PRINCIPAL DISTRIBUTION 9,298,529.19
CLASS AH-1 0.00
CLASS AH-2 0.00
CLASS AH-3 2,536,031.92
CLASS AH-4 0.00
CLASS AH-5 0.00
CLASS MH-1 0.00
CLASS MH-2 0.00
CLASS BH 0.00
TOTAL POOL III PRINCIPAL DISTRIBUTION AMOUNT 2,536,031.92
4. TOTAL AMOUNT OF POOL I, II & III
INSURED PAYMENTS 0.00
5. (A) SUBORDINATED AMOUNT
POOL I 16,376,851.07
POOL II 26,732,525.34
POOL III 6,583,986.11
(B) SPECIFIED SUBORDINATED AMOUNT
POOL I 17,100,000.00
POOL II 27,825,000.00
POOL III 9,900,000.00
(C) POOL III AVAILABLE MAXIMUM SUBORDINATED AMOUNT 6,366,564.00
6. PRINCIPAL PREPAYMENT RECEIVED DURING
THE DUE PERIOD
# ACCOUNTS DOLLARS
POOL I 91 3,044,016.93
POOL II 72 6,665,707.32
POOL III 70 992,963.95
<PAGE> 3
7. AMOUNT OF CURTAILMENTS RECEIVED DURING
THE DUE PERIOD
POOL I 838,224.99
POOL II 413,628.44
POOL III 51,365.14
8. AMOUNT OF EXCESS AND MONTHLY PAYMENTS
IN RESPECT OF PRINCIPAL RECEIVED DURING
THE DUE PERIOD
POOL I 1,394,688.29
POOL II 1,262,617.39
POOL III 289,216.97
9. AMOUNT OF INTEREST RECEIVED
POOL I 2,782,969.13
POOL II 1,949,654.76
POOL III 856,189.36
10. (A) AMOUNT OF MONTHLY ADVANCES INCLUDING COMPENSATING
INTEREST TO BE MADE ON THE DETERMINATION DATE
TO BE DEPOSITED IN THE CERTIFICATE
ACCOUNT PURSUANT TO SECTION 6.01(a)(ii)
POOL I 23,363.78
POOL II 43,916.63
POOL III 11,478.27
(B) AMOUNT OF COMPENSATING INTEREST
POOL I 295.37
POOL II 6,469.32
POOL III 247.40
11. DELINQUENT AND FORECLOSURE INFORMATION (EXHIBIT O)
12. THE AMOUNT OF REALIZED LOSSES DURING
DUE PERIOD
POOL I 723,148.89
POOL II 1,092,474.72
POOL III 173,784.98
13. CLASS AF-1 REMITTANCE AMOUNT:
(A) CURRENT INTEREST REQUIREMENT 0.00
(B) PRINCIPAL DISTRIBUTION AMOUNT 0.00
(C) CARRY FORWARD AMOUNT 0.00
(D) MONTHLY ADVANCE FOR BANKRUPTCY 0.00
TOTAL CLASS AF-1 REMITTANCE AMOUNT 0.00
CLASS AF-2 REMITTANCE AMOUNT:
(A) CURRENT INTEREST REQUIREMENT 0.00
(B) PRINCIPAL DISTRIBUTION AMOUNT 0.00
(C) CARRY FORWARD AMOUNT 0.00
(D) MONTHLY ADVANCE FOR BANKRUPTCY 0.00
TOTAL CLASS AF-2 REMITTANCE AMOUNT 0.00
CLASS AF-3 REMITTANCE AMOUNT:
(A) CURRENT INTEREST REQUIREMENT 259,100.11
(B) PRINCIPAL DISTRIBUTION AMOUNT 6,000,079.10
(C) CARRY FORWARD AMOUNT 0.00
(D) MONTHLY ADVANCE FOR BANKRUPTCY 0.00
TOTAL CLASS AF-3 REMITTANCE AMOUNT 6,259,179.21
<PAGE> 4
CLASS AF-4 REMITTANCE AMOUNT:
(A) CURRENT INTEREST REQUIREMENT 233,437.50
(B) PRINCIPAL DISTRIBUTION AMOUNT 0.00
(C) CARRY FORWARD AMOUNT 0.00
(D) MONTHLY ADVANCE FOR BANKRUPTCY 0.00
TOTAL CLASS AF-4 REMITTANCE AMOUNT 233,437.50
CLASS AF-5 REMITTANCE AMOUNT:
(A) CURRENT INTEREST REQUIREMENT 313,191.67
(B) PRINCIPAL DISTRIBUTION AMOUNT 0.00
(C) CARRY FORWARD AMOUNT 0.00
(D) MONTHLY ADVANCE FOR BANKRUPTCY 0.00
TOTAL CLASS AF-5 REMITTANCE AMOUNT 313,191.67
CLASS AF-6 REMITTANCE AMOUNT:
(A) CURRENT INTEREST REQUIREMENT 231,841.67
(B) PRINCIPAL DISTRIBUTION AMOUNT 0.00
(C) CARRY FORWARD AMOUNT 0.00
(D) MONTHLY ADVANCE FOR BANKRUPTCY 0.00
TOTAL CLASS AF-6 REMITTANCE AMOUNT 231,841.67
CLASS AF-7 REMITTANCE AMOUNT:
(A) CURRENT INTEREST REQUIREMENT 280,525.00
(B) PRINCIPAL DISTRIBUTION AMOUNT 0.00
(C) CARRY FORWARD AMOUNT 0.00
(D) MONTHLY ADVANCE FOR BANKRUPTCY 0.00
TOTAL CLASS AF-7 REMITTANCE AMOUNT 280,525.00
CLASS AF-8 REMITTANCE AMOUNT:
(A) CURRENT INTEREST REQUIREMENT 156,125.00
(B) PRINCIPAL DISTRIBUTION AMOUNT 0.00
(C) CARRY FORWARD AMOUNT 0.00
(D) MONTHLY ADVANCE FOR BANKRUPTCY 0.00
TOTAL CLASS AF-8 REMITTANCE AMOUNT 156,125.00
CLASS AF-9 REMITTANCE AMOUNT:
(A) CURRENT INTEREST REQUIREMENT 144,000.00
(B) PRINCIPAL DISTRIBUTION AMOUNT 0.00
(C) CARRY FORWARD AMOUNT 0.00
(D) MONTHLY ADVANCE FOR BANKRUPTCY 0.00
TOTAL CLASS AF-9 REMITTANCE AMOUNT 144,000.00
POOL I REMITTANCE AMOUNT:
(A) CURRENT INTEREST REQUIREMENT 1,618,220.95
(B) PRINCIPAL DISTRIBUTION AMOUNT 6,000,079.10
(C) CARRY FORWARD AMOUNT 0.00
(D) MONTHLY ADVANCE FOR BANKRUPTCY 0.00
TOTAL POOL I REMITTANCE AMOUNT 7,618,300.05
CLASS AV REMITTANCE AMOUNT:
(A) CURRENT INTEREST REQUIREMENT 1,153,281.86
(B) PRINCIPAL DISTRIBUTION AMOUNT 9,298,529.19
(C) CARRY FORWARD AMOUNT 0.00
(D) MONTHLY ADVANCE FOR BANKRUPTCY 0.00
TOTAL CLASS AV REMITTANCE AMOUNT 10,451,811.05
<PAGE> 5
CLASS AH-1 REMITTANCE AMOUNT:
(A) CURRENT INTEREST REQUIREMENT 0.00
(B) PRINCIPAL DISTRIBUTION AMOUNT 0.00
TOTAL CLASS AH-1 REMITTANCE AMOUNT 0.00
CLASS AH-2 REMITTANCE AMOUNT:
(A) CURRENT INTEREST REQUIREMENT 0.00
(B) PRINCIPAL DISTRIBUTION AMOUNT 0.00
0.00
TOTAL CLASS AH-2 REMITTANCE AMOUNT
CLASS AH-3 REMITTANCE AMOUNT:
(A) CURRENT INTEREST REQUIREMENT 34,378.90
(B) PRINCIPAL DISTRIBUTION AMOUNT 2,536,031.92
2,570,410.82
TOTAL CLASS AH-3 REMITTANCE AMOUNT
CLASS AH-4 REMITTANCE AMOUNT:
(A) CURRENT INTEREST REQUIREMENT 55,455.31
(B) PRINCIPAL DISTRIBUTION AMOUNT 0.00
55,455.31
TOTAL CLASS AH-4 REMITTANCE AMOUNT
CLASS AH-5 REMITTANCE AMOUNT:
(A) CURRENT INTEREST REQUIREMENT 106,586.75
(B) PRINCIPAL DISTRIBUTION AMOUNT 0.00
TOTAL CLASS AH-5 REMITTANCE AMOUNT 106,586.75
CLASS MH-1 REMITTANCE AMOUNT:
(A) CURRENT INTEREST REQUIREMENT 71,001.56
(B) PRINCIPAL DISTRIBUTION AMOUNT 0.00
TOTAL CLASS MH-1 REMITTANCE AMOUNT 71,001.56
CLASS MH-2 REMITTANCE AMOUNT:
(A) CURRENT INTEREST REQUIREMENT 75,800.53
(B) PRINCIPAL DISTRIBUTION AMOUNT 0.00
TOTAL CLASS MH-2 REMITTANCE AMOUNT 75,800.53
CLASS BH REMITTANCE AMOUNT:
(A) CURRENT INTEREST REQUIREMENT 90,356.29
(B) PRINCIPAL DISTRIBUTION AMOUNT 0.00
TOTAL CLASS BH REMITTANCE AMOUNT 90,356.29
POOL III REMITTANCE AMOUNT:
(A) CURRENT INTEREST REQUIREMENT 433,579.33
(B) PRINCIPAL DISTRIBUTION AMOUNT 2,536,031.92
TOTAL POOL III REMITTANCE AMOUNT 2,969,611.25
14. (A) REIMBURSABLE AMOUNTS
POOL I STRIP AMOUNT 0.00
POOL II STRIP AMOUNT 0.00
(B) CLASS X REMITTANCE AMOUNT PAYABLE PURSUANT
TO SECTION 6.08(d)(iii) AND (iv)
POOL I 801,666.18
POOL II (801,666.12)
POOL III 0.00
15. (A) CLASS AF-1 PRINCIPAL BALANCE AFTER
DISTRIBUTION TO BE MADE ON THE
REMITTANCE DATE AND AFTER ALLOCATION
OF REALIZED LOSSES 0.00
(B) CLASS AF-2 PRINCIPAL BALANCE AFTER
DISTRIBUTION TO BE MADE ON THE
REMITTANCE DATE AND AFTER ALLOCATION
OF REALIZED LOSSES 0.00
<PAGE> 6
(C) CLASS AF-3 PRINCIPAL BALANCE AFTER
DISTRIBUTION TO BE MADE ON THE
REMITTANCE DATE AND AFTER ALLOCATION
OF REALIZED LOSSES 44,720,987.34
(D) CLASS AF-4 PRINCIPAL BALANCE AFTER
DISTRIBUTION TO BE MADE ON THE
REMITTANCE DATE AND AFTER ALLOCATION
OF REALIZED LOSSES 45,000,000.00
(E) CLASS AF-5 PRINCIPAL BALANCE AFTER
DISTRIBUTIONS TO BE MADE ON THE
REMITTANCE DATE AND AFTER ALLOCATION
OF REALIZED LOSSES 59,000,000.00
(F) CLASS AF-6 PRINCIPAL BALANCE AFTER
DISTRIBUTIONS TO BE MADE ON THE
REMITTANCE DATE AND AFTER ALLOCATION
OF REALIZED LOSSES 43,000,000.00
(G) CLASS AF-7 PRINCIPAL BALANCE AFTER
DISTRIBUTION TO BE MADE ON THE
REMITTANCE DATE AND AFTER ALLOCATION
OF REALIZED LOSSES 49,000,000.00
(H) CLASS AF-8 PRINCIPAL BALANCE AFTER
DISTRIBUTION TO BE MADE ON THE
REMITTANCE DATE AND AFTER ALLOCATION
OF REALIZED LOSSES 30,000,000.00
(I) CLASS AF-9 PRINCIPAL BALANCE AFTER
DISTRIBUTION TO BE MADE ON THE
REMITTANCE DATE AND AFTER ALLOCATION
OF REALIZED LOSSES 27,000,000.00
(J) CLASS AV PRINCIPAL BALANCE AFTER
DISTRIBUTION TO BE MADE ON THE
REMITTANCE DATE AND AFTER ALLOCATION
OF REALIZED LOSSES 180,628,949.82
(K) CLASS AH-1 PRINCIPAL BALANCE AFTER
DISTRIBUTION TO BE MADE ON THE
REMITTANCE DATE AND AFTER ALLOCATION
OF REALIZED LOSSES 0.00
(L) CLASS AH-2 PRINCIPAL BALANCE AFTER
DISTRIBUTION TO BE MADE ON THE
REMITTANCE DATE AND AFTER ALLOCATION
OF REALIZED LOSSES 0.00
(M) CLASS AH-3 PRINCIPAL BALANCE AFTER
DISTRIBUTION TO BE MADE ON THE
REMITTANCE DATE AND AFTER ALLOCATION
OF REALIZED LOSSES 4,144,887.60
(N) CLASS AH-4 PRINCIPAL BALANCE AFTER
DISTRIBUTION TO BE MADE ON THE
REMITTANCE DATE AND AFTER ALLOCATION
OF REALIZED LOSSES 10,406,000.00
<PAGE> 7
(O) CLASS AH-5 PRINCIPAL BALANCE AFTER
DISTRIBUTION TO BE MADE ON THE
REMITTANCE DATE AND AFTER ALLOCATION
OF REALIZED LOSSES 18,510,000.00
(P) CLASS MH-1 PRINCIPAL BALANCE AFTER
DISTRIBUTION TO BE MADE ON THE
REMITTANCE DATE AND AFTER ALLOCATION
OF REALIZED LOSSES 12,375,000.00
(Q) CLASS MH-2 PRINCIPAL BALANCE AFTER
DISTRIBUTION TO BE MADE ON THE
REMITTANCE DATE AND AFTER ALLOCATION
OF REALIZED LOSSES 12,581,000.00
(R) CLASS BH PRINCIPAL BALANCE AFTER
DISTRIBUTION TO BE MADE ON THE
REMITTANCE DATE AND AFTER ALLOCATION
OF REALIZED LOSSES 13,613,000.00
(S) TOTAL POOL I PRINCIPAL BALANCE AFTER
DISTRIBUTION TO BE MADE ON THE
REMITTANCE DATE AND AFTER ALLOCATION
OF REALIZED LOSSES 297,720,987.34
(T) TOTAL POOL II PRINCIPAL BALANCE AFTER
DISTRIBUTION TO BE MADE ON THE
REMITTANCE DATE AND AFTER ALLOCATION
OF REALIZED LOSSES 180,628,949.82
(U) TOTAL POOL III PRINCIPAL BALANCE AFTER
DISTRIBUTION TO BE MADE ON THE
REMITTANCE DATE AND AFTER ALLOCATION
OF REALIZED LOSSES 71,629,887.60
16. (A) MONTHLY EXCESS SPREAD PERCENTAGE (FOR POOL I, II AND III) 100.00%
(B) EXCESS SPREAD (POOL I) 1,018,588.15
EXCESS SPREAD (POOL II) 726,975.35
EXCESS SPREAD (POOL III) 398,117.21
TOTAL EXCESS SPREAD (POOL I, II and III) 2,143,680.71
(C) REMAINDER EXCESS SPREAD AMOUNT POOL I 0.00
REMAINDER EXCESS SPREAD AMOUNT POOL II 0.00
REMAINDER EXCESS SPREAD AMOUNT POOL III 0.00
TOTAL REMAINDER EXCESS SPREAD AMOUNT POOL I, II and III 0.00
17. CUMULATIVE REALIZED LOSSES
POOL I 9,297,352.86
POOL II 7,921,558.20
POOL III 15,456,132.41
18. (A) THE WEIGHTED AVERAGE MATURITY
POOL I 260.147
POOL II 330.408
POOL III 196.940
(B) THE WEIGHTED AVERAGE MORTGAGE
INTEREST RATE
POOL I 10.492%
POOL II 11.026%
POOL III 12.870%
<PAGE> 8
19. (A) SERVICING FEE FOR THE RELATED DUE PERIOD
POOL I 66,412.01
POOL II 44,390.79
POOL III 16,672.19
(B) CONTINGENCY FEE FOR THE RELATED DUE PERIOD
POOL I 66,412.01
POOL II 44,390.79
POOL III 16,672.19
(C) AMOUNT TO BE DEPOSITED TO THE EXPENSE ACCOUNT - TRUSTEE
POOL I 10,756.79
POOL II 6,726.60
POOL III 2,626.71
(D) AMOUNT TO BE DEPOSITED TO THE INSURANCE ACCOUNT- MBIA
POOL I 25,943.00
POOL II 17,806.00
POOL III 0.00
20. AMOUNT OF PAYMENTS AND REIMBURSEMENTS TO THE
SERVICERS PURSUANT TO: POOL I POOL II
(A) SECTION 5.04 (b) 0.00 0.00
(B) SECTION 5.04 (c) 0.00 0.00
(C) SECTION 5.04 (d)(ii) 0.00 0.00
(D) SECTION 5.04 (e) 0.00 0.00
(E) SECTION 5.04 (f)(i) 132,824.02 88,781.58
POOL III
(A) SECTION 5.04 (b) 0.00
(B) SECTION 5.04 (c) 0.00
(C) SECTION 5.04 (d)(ii) 0.00
(D) SECTION 5.04 (e) 0.00
(E) SECTION 5.04 (f)(i) 33,344.38
21. CLASS AF-1 POOL FACTOR (I-5):
CURRENT CLASS AF-1 PRINCIPAL BALANCE 0.00 0.00000000
ORIGINAL CLASS AF-1 PRINCIPAL BALANCE 131,000,000.00
CLASS AF-2 POOL FACTOR (I-5):
CURRENT CLASS AF-2 PRINCIPAL BALANCE 0.00 0.00000000
ORIGINAL CLASS AF-2 PRINCIPAL BALANCE 66,000,000.00
CLASS AF-3 POOL FACTOR (I-5):
CURRENT CLASS AF-3 PRINCIPAL BALANCE 44,720,987.34 0.37267489
ORIGINAL CLASS AF-3 PRINCIPAL BALANCE 120,000,000.00
CLASS AF-4 POOL FACTOR (I-5):
CURRENT CLASS AF-4 PRINCIPAL BALANCE 45,000,000.00 1.00000000
ORIGINAL CLASS AF-4 PRINCIPAL BALANCE 45,000,000.00
CLASS AF-5 POOL FACTOR (I-5):
CURRENT CLASS AF-5 PRINCIPAL BALANCE 59,000,000.00 1.00000000
ORIGINAL CLASS AF-5 PRINCIPAL BALANCE 59,000,000.00
CLASS AF-6 POOL FACTOR (I-5):
CURRENT CLASS AF-6 PRINCIPAL BALANCE 43,000,000.00 1.00000000
ORIGINAL CLASS AF-6 PRINCIPAL BALANCE 43,000,000.00
<PAGE> 9
CLASS AF-7 POOL FACTOR (I-5):
CURRENT CLASS AF-7 PRINCIPAL BALANCE 49,000,000.00 1.00000000
ORIGINAL CLASS AF-7 PRINCIPAL BALANCE 49,000,000.00
CLASS AF-8 POOL FACTOR (I-5):
CURRENT CLASS AF-8 PRINCIPAL BALANCE 30,000,000.00 1.00000000
ORIGINAL CLASS AF-8 PRINCIPAL BALANCE 30,000,000.00
CLASS AF-9 POOL FACTOR (I-5):
CURRENT CLASS AF-9 PRINCIPAL BALANCE 27,000,000.00 1.00000000
ORIGINAL CLASS AF-9 PRINCIPAL BALANCE 27,000,000.00
POOL I FACTOR:
CURRENT POOL I PRINCIPAL BALANCE 297,720,987.34 0.52231752
ORIGINAL POOL I PRINCIPAL BALANCE 570,000,000.00
CLASS AV (POOL II) FACTOR:
CURRENT CLASS AV PRINCIPAL BALANCE 180,628,949.82 0.34080934
ORIGINAL CLASS AV PRINCIPAL BALANCE 530,000,000.00
CLASS AH-1 POOL FACTOR (I-5):
CURRENT CLASS AH-1 PRINCIPAL BALANCE 0.00
ORIGINAL CLASS AH-1 PRINCIPAL BALANCE 55,523,000.00 0.00000000
CLASS AH-2 POOL FACTOR (I-5):
CURRENT CLASS AH-2 PRINCIPAL BALANCE 0.00
ORIGINAL CLASS AH-2 PRINCIPAL BALANCE 12,685,000.00 0.00000000
CLASS AH-3 POOL FACTOR (I-5):
CURRENT CLASS AH-3 PRINCIPAL BALANCE 4,144,887.60
ORIGINAL CLASS AH-3 PRINCIPAL BALANCE 29,307,000.00 0.14142995
CLASS AH-4 POOL FACTOR (I-5):
CURRENT CLASS AH-4 PRINCIPAL BALANCE 10,406,000.00
ORIGINAL CLASS AH-4 PRINCIPAL BALANCE 10,406,000.00 1.00000000
CLASS AH-5 POOL FACTOR (I-5):
CURRENT CLASS AH-5 PRINCIPAL BALANCE 18,510,000.00
ORIGINAL CLASS AH-5 PRINCIPAL BALANCE 18,510,000.00 1.00000000
CLASS MH-1 POOL FACTOR (I-5):
CURRENT CLASS MH-1 PRINCIPAL BALANCE 12,375,000.00
ORIGINAL CLASS MH-1 PRINCIPAL BALANCE 12,375,000.00 1.00000000
CLASS MH-2 POOL FACTOR (I-5):
CURRENT CLASS MH-2 PRINCIPAL BALANCE 12,581,000.00
ORIGINAL CLASS MH-2 PRINCIPAL BALANCE 12,581,000.00 1.00000000
CLASS BH POOL FACTOR (I-5):
CURRENT CLASS BH PRINCIPAL BALANCE 13,613,000.00
ORIGINAL CLASS BH PRINCIPAL BALANCE 13,613,000.00 1.00000000
POOL III FACTOR (I-5):
CURRENT POOL III PRINCIPAL BALANCE 71,629,887.60
ORIGINAL POOL III PRINCIPAL BALANCE 165,000,000.00 0.43412053
<PAGE> 10
22. (A) WEIGHTED AVERAGE MORTGAGE INTEREST RATE
POOL I 10.492%
POOL II 11.026%
POOL III 12.870%
(B) ADJUSTED MORTGAGE INTEREST RATE OF THE MORTGAGE LOANS
POOL I 9.847%
POOL II 10.371%
POOL III 12.328%
(C) WEIGHTED AVERAGE CLASS AF-1, CLASS AF-2, CLASS AF-3, CLASS AF-4,
CLASS AF-5, CLASS AF-6, CLASS AF-7, CLASS AF-8 AND
CLASS AF-9 ADJUST MORTGAGE LOAN REMITTANCE RATE 6.544%
CLASS AV ADJUSTED MORTGAGE LOAN REMITTANCE RATE 6.986%
CLASS AH-1, CLASS AH-2, CLASS AH-3, CLASS AH-4, CLASS AH-5,
CLASS MH-1, CLASS MH-2 AND CLASS BH ADJUSTED MORTGAGE LOAN
REMITTANCE RATE 7.088%
----------------------------
(D) WEIGHTED AVERAGE MORTGAGE INTEREST RATE FOR 05/31/99 05/31/00 06/30/00
----------------------------
POOL I 10.592% 10.500% 10.492%
POOL II 10.113% 10.997% 11.026%
POOL III 12.929% 12.872% 12.870%
23. CLASS AV REMITTANCE RATE 6.83125%
IF REMITTANCE RATES BASED ON THE NET FUNDS CAP
LIBOR PLUS MARGIN FOR CLASS AV N/A
24. LIBOR RATE 6.65125%
25. CLASS AV NET FUNDS CAP 10.371%
26. CLASS AV CERTIFICATEHOLDERS' LIBOR INTEREST CARRYOVER 0.00
27. (A) AMOUNT OF DISTRIBUTION ALLOCABLE TO LIBOR
INTEREST CARRYOVER 0.00
(B) LIBOR INTEREST CARRYOVER BALANCE 0.00
28. POOL III TRIGGER EVENT IN EFFECT
29. (A) SENIOR PERCENTAGE 100.00%
CLASS B PERCENTAGE 0.00
30. (A) POOL III AGGREGATE APPLIED REALIZED LOSS AMOUNT 0.00
CLASS AH-1 APPLIED REALIZED LOSS AMOUNT 0.00
CLASS AH-2 APPLIED REALIZED LOSS AMOUNT 0.00
CLASS AH-3 APPLIED REALIZED LOSS AMOUNT 0.00
CLASS AH-4 APPLIED REALIZED LOSS AMOUNT 0.00
CLASS AH-5 APPLIED REALIZED LOSS AMOUNT 0.00
CLASS MH-1 APPLIED REALIZED LOSS AMOUNT 0.00
CLASS MH-2 APPLIED REALIZED LOSS AMOUNT 0.00
CLASS BH APPLIED REALIZED LOSS AMOUNT 0.00
(B) POOL III AGGREGATE UNAPPLIED REALIZED LOSS AMOUNT
CLASS AH-1 UNPAID REALIZED LOSS AMOUNT 0.00
CLASS AH-2 UNPAID REALIZED LOSS AMOUNT 0.00
CLASS AH-3 UNPAID REALIZED LOSS AMOUNT 0.00
CLASS AH-4 UNPAID REALIZED LOSS AMOUNT 0.00
CLASS AH-5 UNPAID REALIZED LOSS AMOUNT 0.00
CLASS MH-1 UNPAID REALIZED LOSS AMOUNT 0.00
CLASS MH-2 UNPAID REALIZED LOSS AMOUNT 0.00
CLASS BH UNPAID REALIZED LOSS AMOUNT
31. POOL III ACCELERATED PRINCIPAL DISTRIBUTION AMOUNT 1,124,426.22
32. (A) AMOUNT TO BE DEPOSITED INTO THE FHA PREMIUM ACCOUNT
FOR THE DUE PERIOD 5,158.81
(B) AMOUNT REIMBURSABLE TO THE SERVICER AND/OR THE
CERTIFICATE INSURER FROM THE FHA ACCOUNT PURSUANT TO 6.06(b)(i)
33. AMOUNT OF FHA PAYMENTS AND RELATED PAYMENTS
RECEIVED DURING THE DUE PERIOD 81,153.23
34. THE RESERVE AMOUNT FOR THE DUE PERIOD
35. CLAIMS FILED DURING THE DUE PERIOD 38,419.36
36. CLAIMS PAID DURING THE PERIOD 81,153.23
37. CLAIMS DENIED BY FHA DURING THE DUE PERIOD 0.00
38. CLAIMS PENDING PAYMENT BY FHA DURING THE DUE PERIOD 557,729.50
39. NUMBER OF ALL DEFAULTED MORTGAGE LOANS PURCHASED DURING
THE DUE PERIOD 0.00
PRINCIPAL BALANCE OF ALL DEFAULTED MORTGAGE LOANS PURCHASED
DURING THE DUE PERIOD 0.00
<PAGE> 11
EXHIBIT O (POOL I)
REMIC DELINQUENCIES AS OF - June 30, 2000
REMIC OUTSTANDING #
SERIES DOLLARS ACCOUNTS RANGES AMOUNT NO PCT
1998-A-I $314,820,987.30 5,943 1 TO 29 DAYS 27,366,083.33 562 8.69%
30 TO 59 DAYS 5,319,263.51 112 1.69%
60 TO 89 DAYS 2,397,353.01 41 0.76%
90 AND OVER 7,854,795.19 107 2.50%
FORECLOSURE 12,271,127.05 192 3.90%
REO PROPERTY 4,282,731.38 60 1.36%
TOTALS $59,491,353.47 1,074 18.90%
=============================
EXHIBIT O (POOL II)
REMIC DELINQUENCIES AS OF - June 30, 2000
REMIC OUTSTANDING #
SERIES DOLLARS ACCOUNTS RANGES AMOUNT NO PCT
1998-A-II $208,318,051.20 2,553 1 TO 29 DAYS 19,247,479.46 223 9.24%
30 TO 59 DAYS 5,640,129.50 71 2.71%
60 TO 89 DAYS 1,321,021.57 15 0.63%
90 AND OVER 9,595,024.21 116 4.61%
FORECLOSURE 17,889,635.41 213 8.59%
REO PROPERTY 6,460,408.70 90 3.10%
TOTALS $60,153,698.85 728 28.88%
=============================
<PAGE> 12
EXHIBIT O (POOL III)
REMIC DELINQUENCIES AS OF - June 30, 2000
REMIC OUTSTANDING #
SERIES DOLLARS ACCOUNTS RANGES AMOUNT NO PCT
1998-A-III 79,338,299.93 4520 1 TO 29 DAYS 12,015,710.05 688 15.14%
30 TO 59 DAYS 2,233,850.63 116 2.82%
60 TO 89 DAYS 768,783.98 48 0.97%
90 AND OVER 1,808,235.97 97 2.28%
FORECLOSURE 279,818.53 14 0.35%
REO PROPERTY 21,570.21 2 0.03%
TOTALS $17,127,969.37 965 21.59%
=============================
<PAGE> 13
1998-A
The following additional information, presented in dollars, pursuant to Section
6.10 subclauses (ii), (vi), (vii), (viii), (xiii), (xv), (xxxvi) is provided for
each Class per $1,000 (or per $25,000 for Class A-11) original dollar amount as
of the Cut-Off Date.
POOL I
SUBCLAUSE CLASS AF-1 CLASS AF-2 CLASS AF-3 CLASS AF-4 CLASS AF-5 CLASS AF-6
--------- ---------- ---------- ---------- ---------- ---------- ----------
(ii) 0.00 0.00 422.68 1,000.00 1,000.00 1,000.00
(vi) 0.00 0.00 25.37 0.00 0.00 0.00
(vii) 0.00 0.00 6.99 0.00 0.00 0.00
(viii) 0.00 0.00 5.38 0.00 0.00 0.00
(xiii) (a) 0.00 0.00 2.16 5.19 5.31 5.39
(b) 0.00 0.00 50.00 0.00 0.00 0.00
(c) 0.00 0.00 0.00 0.00 0.00 0.00
(d) 0.00 0.00 0.00 0.00 0.00 0.00
(xv) 0.00 0.00 372.67 1,000.00 1,000.00 1,000.00
(xxxvi) 0.00 0.00 0.00 0.00 0.00 0.00
Pool I
Pool II Pool III
SUBCLAUSE CLASS AF-7 CLASS AF-8 CLASS AF-9 CLASS AV CLASS AH-1 CLASS AH-2
--------- ---------- ---------- ---------- ---------- ---------- ----------
(ii) 1,000.00 1,000.00 1,000.00 358.35 0.00 0.00
(vi) 0.00 0.00 0.00 12.58 0.00 0.00
(vii) 0.00 0.00 0.00 0.78 0.00 0.00
(viii) 0.00 0.00 0.00 0.21 0.00 0.00
(xiii) (a) 5.73 5.20 5.33 2.18 0.00 0.00
(b) 0.00 0.00 0.00 17.54 0.00 0.00
(c) 0.00 0.00 0.00 0.00 0.00 0.00
(d) 0.00 0.00 0.00 0.00 0.00 0.00
(xv) 1,000.00 1,000.00 1,000.00 340.81 0.00 0.00
(xxxvi) 0.00 0.00 0.00 0.00 0.00 0.00
POOL III
SUBCLAUSE CLASS AH-3 CLASS AH-4 CLASS AH-5 CLASS MH-1 CLASS MH-2 CLASS BH
--------- ---------- ---------- ---------- ---------- ---------- ----------
(ii) 227.96 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00
(vi) 33.88 0.00 0.00 0.00 0.00 0.00
(vii) 1.75 0.00 0.00 0.00 0.00 0.00
(viii) 8.01 0.00 0.00 0.00 0.00 0.00
(xiii) (a) 1.17 5.33 5.76 5.74 6.03 6.64
(b) 86.53 0.00 0.00 0.00 0.00 0.00
(c) 0.00 0.00 0.00 0.00 0.00 0.00
(d) 0.00 0.00 0.00 0.00 0.00 0.00
(xv) 141.43 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00
(xxxvi) 0.00 0.00 0.00 0.00 0.00 0.00
