<PAGE> 1
THE MONEY STORE ASSET BACKED CERTIFICATES
SERIES 1998-A
STATEMENT TO CERTIFICATEHOLDER
RECORD DATE: 11/30/00
DETERMINATION DATE: 12/12/00
DISTRIBUTION DATE: 12/15/00
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 18,661,529.60 95,329.31 5,297,230.18 0.00 5,392,559.49 13,364,299.42
Factors per Thousand 0.79441095 44.14358480 44.93799575 111.36916187
------------------------------------------------------------------------------------------------------------------------------------
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 570,000,000.00 271,661,529.60 1,454,450.15 5,297,230.18 0.00 6,751,680.32 266,364,299.42
TOTALS 5.35390546 19.49937551 24.85328097 467.30578846
------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------
A-V 60935BDG1 6.80000% 530,000,000.00 161,027,867.92 912,491.25 4,980,195.95 0.00 5,892,687.20 156,047,671.97
Factors per Thousand 1.72168161 9.39659614 11.11827774 294.42956975
------------------------------------------------------------------------------------------------------------------------------------
POOL II 530,000,000.00 161,027,867.92 912,491.25 4,980,195.95 0.00 5,892,687.20 156,047,671.97
TOTALS 1.72168161 9.39659614 11.11827774 294.42956975
====================================================================================================================================
</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: 11/30/00
DETERMINATION DATE: 12/12/00
DISTRIBUTION DATE: 12/15/00
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 6,171,755.04 32,890.31 2,045,354.69 0.00 2,078,245.00 4,126,400.35
Factors per Thousand 3.16070644 196.55532300 199.71602944 396.54049095
------------------------------------------------------------------------------------------------------------------------------------
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 63,250,755.04 376,635.44 2,045,354.69 0.00 2,421,990.13 61,205,400.35
TOTALS 2.28263901 12.39608904 14.67872804 370.94
------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------
X n/a 0.00000% 0.00 0.00 1,720,151.72 0.00 0.00 1,720,151.72 0.00
------------------------------------------------------------------------------------------------------------------------------------
R n/a 0.00000% 0.00 0.00 0.00 0.00 0.00 0.00 0.00
------------------------------------------------------------------------------------------------------------------------------------
TOTALS 1,265,000,000.00 495,940,152.56 4,463,728.55 12,322,780.82 0.00 16,786,509.37 483,617,371.74
====================================================================================================================================
</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: 11/30/00
DETERMINATION DATE: 12/12/00
DISTRIBUTION DATE: 12/15/00
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 95,329.31 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 32,890.31 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 912,491.25 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: 11/30/00
DETERMINATION DATE: 12/12/00
DISTRIBUTION DATE: 12/15/00
A
<TABLE>
<CAPTION>
===================================================================================================================================
POOL I
SCHEDULE OF REMITTANCE COLLATERAL INFORMATION
<S> <C> <C> <C> <C>
Aggregate Amount Received 7,853,103.87 Adjusted Mortgage Interest Rate 9.829%
Aggregate Beginning Principal Balance of Loans 288,761,529.60
Monthly Advance 118,136.29 Aggregate Ending Principal Balance of Loans 282,663,991.20
(Unreimbursed Monthly Advance) 0.00 Class X Distribution 896,234.95
(Servicer Fee) (57,199.29) Compensating Interest -
(Contingency Fee) (57,199.28) Curtailments 479,904.61
(Late Charges) (62,852.59) Excess and Monthly Payments 605,444.92
(Escrow) (120,605.46) Insured Payment for Pool I & II 0.00
(Excess Spread) (920,171.16) Interest Received 2,396,351.86
(Subordination Reduction Amount) 0.00 Monthly Excess Spread Percentage 100.000%
-------------- Payments And Reimbursements to the Servicers Pursuant to:
(1,099,891.49) Section 5.04(b) 0.00
Section 5.04(c) 0.00
AVAILABLE REMITTANCE AMOUNT 6,753,212.38 Section 5.04(d)(ii) 0.00
============== Section 5.04(e) 0.00
Section 5.04(f)(i) 114,398.57
Principal Prepayments (Number/Amount) 76 4,025,517.01
FEES Realized Losses/Cumulative 986,671.88 13,424,659.00
Contingency Fee 57,199.28 Specified Subordinated Amount 16,299,691.78
Expense Account 2,263.85 Spread Account Balance 0.00
Insurance Fee 23,204.42 Subordinated Amount 16,113,328.14
Servicer Fee 57,199.29 WAC 10.474%
WAM 256.446
Weighted Average Adjusted Mortgage Loan Remittance Rate 6.537%
PRIOR THREE MONTHS WEIGHTED AVERAGE MORTGAGE INTEREST RATES
8/31/2000 9/30/2000 10/31/2000
--------- --------- ----------
10.485% 10.479% 10.473%
===================================================================================================================================
</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: 11/30/00
DETERMINATION DATE: 12/12/00
DISTRIBUTION DATE: 12/15/00
A
<TABLE>
<CAPTION>
===================================================================================================================================
POOL II
SCHEDULE OF REMITTANCE COLLATERAL INFORMATION
<S> <C> <C> <C> <C>
Aggregate Amount Received 6,953,465.74 Adjusted Mortgage Interest Rate 10.586%
Aggregate Beginning Principal Balance of Loans 178,585,180.70
Monthly Advance 49,526.29 Aggregate Ending Principal Balance of Loans 172,955,598.10
(Unreimbursed Monthly Advance) 0.00 Class X Distribution 823,916.77
(Servicer Fee) (36,314.59) Compensating Interest 856.50
(Contingency Fee) (36,314.58) Curtailments 807,497.61
(Late Charges) (71,334.74) Excess and Monthly Payment 73,546.14
(Escrow) (125,985.88) Insured Payment for Pool I & II 0.00
(Excess Spread) (668,068.47) Interest Received 1,620,100.86
(Subordination Reduction Amount) (155,848.31) Libor 6.62000%
-------------- Monthly Excess Spread Percentage 100.000%
(1,044,340.28) Payments And Reimbursements to the Servicers Pursuant to:
Section 5.04(b) 0.00
AVAILABLE REMITTANCE AMOUNT 5,909,125.46 Section 5.04(c) 0.00
============== Section 5.04(d)(ii) 0.00
Section 5.04(e) 0.00
Section 5.04(f)(i) 72,629.17
FEES Principal Prepayments (Number/Amount) 48 4,255,000.51
Contingency Fee 36,314.58 Realized Losses (Current/Cumulative) 493,538.32 11,219,871.34
Expense Account 1,341.90 Specified Subordinated Amount 16,907,926.13
Insurance Fee 15,096.36 Spread Account Balance 0.00
Servicer Fee 36,314.59 Subordinated Amount 17,063,774.44
WAC 11.231%
WAM 325.436
PRIOR THREE MONTHS WEIGHTED AVERAGE MORTGAGE Weighted Average Adjusted Mortgage Loan Remittance Rate 6.923%
INTEREST RATES
8/31/2000 9/30/2000 10/31/2000
--------- --------- ----------
11.113% 11.168% 11.211%
===================================================================================================================================
</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: 11/30/00
DETERMINATION DATE: 12/12/00
DISTRIBUTION DATE: 12/15/00
A
<TABLE>
<CAPTION>
===================================================================================================================================
POOL III
SCHEDULE OF REMITTANCE COLLATERAL INFORMATION
<S> <C> <C> <C> <C>
Aggregate Amount Received 2,476,811.93 Accelerated Principal Distribution 0.00
Adjusted Mortgage Interest Rate 12.308%
Monthly Advance 19,902.71 Aggregate Beginning Principal Balance of Loans 70,576,556.39
(Unreimbursed Monthly Advance) 0.00 Aggregate Ending Principal Balance of Loans 68,419,995.08
(Servicer Fee) (14,314.61) Class X Distribution 0.00
(Contingency Fee) (14,314.61) Compensating Interest 67.34
(Late Charges) (23,402.22) Curtailments 55,661.29
(Escrow) (17,306.51) Excess and Monthly Payment 218,266.34
(Excess Spread) (348,719.59) FHA Claims Denied 0.00
(Subordination Reduction Amount) 0.00 FHA Claims Filed 92,426.80
--------------- FHA Claims Paid 120,952.79
(398,154.83) FHA Claims Pending 223,610.55
FHA Payments Received 120,952.79
AVAILABLE REMITTANCE AMOUNT 2,078,657.10 Interest Received 735,135.72
=============== Maximum Subordinated Amount 6,366,564.00
Monthly Excess Spread Percentage 100.000%
Payments And Reimbursements to the Servicers Pursuant to:
FEES Section 5.04(f)(i) 28,629.22
---- Principal Prepayments (Number/Amount) 72 1,232,900.99
Contingency Fee 14,314.61 Realized Losses (Current/Cumulative) 533,334.18 18,009,881.49
Expense Account 1,054.18 Senior Percentage/Class B Percent 100.000% 0.000%
FHA Premium Account 4,332.38 Specified Subordinated Amount 9,900,000.00
Servicer Fee 14,314.61 Spread Account Balance 0.00
Subordinated Amount 6,792,467.17
Trigger in Effect (Yes/No) No
PRIOR THREE MONTHS WEIGHTED AVERAGE MORTGAGE WAC 12.851%
INTEREST RATES WAM 192.069
8/31/2000 9/30/2000 10/31/2000 Weighted Average Adjusted Mortgage Loan Remittance Rate 8.166%
--------- --------- ---------- Reserve Amount 585,218.58
12.868% 12.864% 12.860%
===================================================================================================================================
</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: 11/30/00
DETERMINATION DATE: 12/12/00
DISTRIBUTION DATE: 12/15/00
A
<TABLE>
<CAPTION>
===================================================================================================================================
-----------------------------------------------------------------------------
EXHIBIT O - POOL I DELINQUENT INFOR. # LOANS AMOUNT PERCENTAGE
-----------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C>
Delinquent 1-29 Days 536 27,214,329.56 9.63%
---------------------------------------------
Outstanding Balance 282,663,991.20 Delinquent 30-59 Days 116 5,770,024.17 2.04%
---------------------------------------------
# Accounts 5,380 Delinquent 60-89 Days 39 2,795,860.06 0.99%
---------------------------------------------
Delinquent 90 and over 80 5,453,620.66 1.93%
Loans in Foreclosure 188 11,789,434.97 4.17%
REO Property 51 3,166,247.78 1.12%
----------------------------------------------------
TOTALS 1,010 56,189,517.20 19.88%
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
EXHIBIT O - POOL II DELINQUENT INFOR. # LOANS AMOUNT PERCENTAGE
-----------------------------------------------------------------------------
Delinquent 1-29 Days 179 13,797,120.02 7.98%
---------------------------------------------
Outstanding Balance 172,955,598.10 Delinquent 30-59 Days 47 3,252,668.45 1.88%
---------------------------------------------
# Accounts 2,159 Delinquent 60-89 Days 18 1,037,258.18 0.60%
---------------------------------------------
Delinquent 90 and over 98 8,102,743.26 4.68%
Loans in Foreclosure 202 18,051,634.47 10.44%
REO Property 69 5,069,900.44 2.93%
----------------------------------------------------
TOTALS 613 49,311,324.82 28.51%
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
EXHIBIT O - POOL III DELINQUENT INFOR. # LOANS AMOUNT PERCENTAGE
-----------------------------------------------------------------------------
Delinquent 1-29 Days 645 11,192,454.01 16.36%
---------------------------------------------
Outstanding Balance 68,419,995.08 Delinquent 30-59 Days 116 1,927,722.26 2.82%
---------------------------------------------
# Accounts 3,976 Delinquent 60-89 Days 49 814,395.63 1.19%
---------------------------------------------
Delinquent 90 and over 81 1,418,524.61 2.07%
Loans in Foreclosure 10 218,360.31 0.32%
REO Property 2 31,262.52 0.05%
----------------------------------------------------
TOTALS 903 15,602,719.34 22.80%
-----------------------------------------------------------------------------
===================================================================================================================================
</TABLE>
THE BANK OF NEW YORK KARON GREENE
101 BARCLAY STREET PHONE: 212-815-8363
NEW YORK, NEW YORK 10286 FAX: 212-815-5309
