UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington D. C. 20549
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 reported): August 25, 1999
BANC ONE FINANCIAL SERVICES
Home Equity Loan Trust 1999-2
New York (governing law of 333-62911-06 52-2182699
Pooling and Servicing Agreement) (Commission IRS EIN
(State or other File Number)
jurisdiction
c/o Norwest Bank Minnesota, N.A.
11000 Broken Land Parkway 21044
Columbia, Maryland (Zip Code)
(Address of principal executive offices)
Registrant's telephone number, including area code: (410) 884-2000
(Former name or former address, if changed since last report)
ITEM 5. Other Events
On August 25, 1999 a distribution was made to holders of BANC ONE FINANCIAL
Services Home Equity Loan Trust 1999-2
ITEM 7. Financial Statements and Exhibits
(c) Exhibits furnished in accordance with Item 601(a) of
Regulation S-K
Exhibit Number Description
Monthly report distributed to holders of
EX-99.1 BANC ONE FINANCIAL Services Home Equity Loan
Trust 1999-2, relating to the August 25,
1999 distribution.
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 hereunto duly authorized.
BANC ONE FINANCIAL SERVICES
Home Equity Loan Trust 1999-2
By: Norwest Bank Minnesota, N.A., as Trustee
By: /s/ Sherri J. Sharps, Vice President
By: Sherri J. Sharps, Vice President
Date: 08/31/1999
INDEX TO EXHIBITS
Exhibit Number Description
EX-99.1 Monthly report distributed to holders of Banc One Financial
Services Home Equity Loan Trust 1999-2, relating to the
August 25, 1999 distribution.
Banc One Financial Services Home Equity Loan Trust 1999-2
Monthly Servicing Report
For the Collection & Interest Period Ending 07/31/1999
For Distribution on 08/25/1999
<TABLE>
<S> <C>
A. CURRENT PERIOD COLLECTIONS & OTHER AMOUNTS
(A) Principal and Interest Collections
(i) Interest Collections $3,909,161.38
(ii) Principal Collections $1,200,492.75
(iii) Principal Curtailments $132,607.64
(iv) Principal Prepayments in Full $7,762,764.44
(v) Count Principal Prepayments in Full 141
(B) Net Liquidation Proceeds net of related Foreclosure Profits $0.00
(C) Insurance Proceeds to extent not included in Net Liquidation Proceeds $0.00
(D) Proceeds from Loan Repurchases or Substitution Adjustments 0.00
(E) Released Mortgaged Property Proceeds $0.00
(F) Other Amounts
(i) Net REO Revenue $0.00
(ii) Compensating Interest $0.00
(iii) Net Loss on Eligible Investments $0.00
(G) Monthly Advance $290,166.13
(H) Termination Price $0.00
(I) Total Collections (A+B+C+D+E+F+G+H) $13,295,192.34
(J) Civil Relief Act Shortfall $0.00
(K) Prepayment Interest Shortfall $0.00
</TABLE>
<TABLE>
B. CURRENT PERIOD DELINQUENCIES & LIQUIDATION LOAN LOSSES
Count Amount Percentage
<S> <C> <C> <C>
(A) Delinquent Loans, REO, Foreclosures and Bankruptcies
(i) 30-59 Days Delinquent 101 $6,062,470.85 1.626%
(ii) 60-89 Days Delinquent 18 $1,061,002.83 0.285%
(iii) 90 Days or More Delinquent 5 $315,597.30 0.085%
(iv) Loans Entering REO at end of Collection Period 0 $0.00 0.000%
(v) Loans in Foreclosure 0 $0.00 0.000%
(vi) Loans in Bankruptcy or Insolvency Proceedings 0 $0.00 0.000%
(vii) Total 60+ including REO, Foreclosure & Bankrupcy 23 $1,376,600.13 0.369%
(viii) Total 90+ including REO, Foreclosure & Bankrutcy 5 $315,597.30 0.085%
(B) Liquidation Losses $0.00 0.000%
</TABLE>
<TABLE>
C. CURRENT PERIOD INSURED PAYMENTS
<S> <C>
(A) Required Payments $2,047,923.29
(B) Net Available Distribution Amount $13,064,952.77
(C) Insured or Deficiency Amount (max(0,(A-B)) $0.00
(D) Preference Amount $0.00
(E) Insured Payments (C+D) $0.00
</TABLE>
<TABLE>
D. CURRENT PERIOD FORMULA PRINCIPAL DISTRIBUTION AMOUNT
<S> <C>
(A) Principal Distributable Amount
(i) Total Principal Collections $9,095,864.83
(ii) plus Principal Balance of Liquidated Home Equity Loans $0.00
(iii) plus Insurance Proceeds received $0.00
(iv) plus Portion of Purchase Price allocable to Principal of Defective Home
equity loans 0.00
(v) plus Principal Portion of Substitution Adjustments not previously distributed $0.00
(vi) equals Total Principal Distributable Amount $9,095,864.83
(B) Unpaid Principal Shortfall $0.00
(C) Formula Principal Distribution Amount (A+B) $9,095,864.83
(D) Formula Principal Distribution Amount required to maintain OC $9,095,864.83
(E) Class A-7 Priority Amount $0.00
</TABLE>
<TABLE>
E. CURRENT PERIOD AVAILABLE FUNDS
<S> <C>
(A) Total Collections $13,295,192.34
(B) Master Service Fee $159,126.87
(C) Available Funds $13,136,065.47
(D) Insured Payments $0.00
(E) Total Available Funds and Insured Payments $13,136,065.47
</TABLE>
<TABLE>
F. WATERFALL AMOUNTS
<S> <C>
F. WATERFALL AMOUNTS
(A) Trustee Fee and Premium Amount:
(i) Trustee Fee 4,296.43
(ii) Premium Amount 66,816.27
(B) Accrued and Unpaid Master Servicing Fee: 0.00
(C) Current Monthly Interest Amounts:
(i) Class A-1 Certificate
(a) Current Monthly Interest Amount Due 938,715.35
(b) Current Monthly Interest Amount Paid 938,715.35
(c) Interest Shortfall 0.00
(ii) Class A-2 Certificate
(a) Current Monthly Interest Amount Due 314,363.10
(b) Current Monthly Interest Amount Paid 314,363.10
(c) Interest Shortfall 0.00
(iii) Class A-3 Certificate
(a) Current Monthly Interest Amount Due 272,875.02
(b) Current Monthly Interest Amount Paid 272,875.02
(c) Interest Shortfall 0.00
(iv) Class A-4 Certificate
(a) Current Monthly Interest Amount Due 91,140.33
(b) Current Monthly Interest Amount Paid 91,140.33
(c) Interest Shortfall 0.00
(v) Class A-5 Certificate
(a) Current Monthly Interest Amount Due 122,643.53
(b) Current Monthly Interest Amount Paid 122,643.53
(c) Interest Shortfall 0.00
(vi) Class A-6 Certificate
(a) Current Monthly Interest Amount Due 75,362.50
(b) Current Monthly Interest Amount Paid 75,362.50
(c) Interest Shortfall 0.00
(vii) Class A-7 Certificate
(a) Current Monthly Interest Amount Due 232,823.47
(b) Current Monthly Interest Amount Paid 232,823.47
(c) Interest Shortfall 0.00
(viii) Total Current Monthly Interest Amount Due 2,047,923.29
(ix) Total Current Montly Interest Amount Paid 2,047,923.29
(x) Total Interest Shortfall 0.00
(D) Unpaid Interest Shortfall and Interest on Unpaid Interest Shortfall:
(i) Class A-1 Certificate
(a) Unpaid Interest Shortfall Due 0.00
(b) Unpaid Interest Shortfall Paid 0.00
(c) Remaining Unpaid Interest Shortalls 0.00
(ii) Class A-2 Certificate
(a) Unpaid Interest Shortfall Due 0.00
(b) Unpaid Interest Shortfall Paid 0.00
(c) Remaining Unpaid Interest Shortalls 0.00
(iii) Class A-3 Certificate
(a) Unpaid Interest Shortfall Due 0.00
(b) Unpaid Interest Shortfall Paid 0.00
(c) Remaining Unpaid Interest Shortalls 0.00
(iv) Class A-4 Certificate
(a) Unpaid Interest Shortfall Due 0.00
(b) Unpaid Interest Shortfall Paid 0.00
(c) Remaining Unpaid Interest Shortalls 0.00
(v) Class A-5 Certificate
(a) Unpaid Interest Shortfall Due 0.00
(b) Unpaid Interest Shortfall Paid 0.00
(c) Remaining Unpaid Interest Shortalls 0.00
(vi) Class A-6 Certificate
(a) Unpaid Interest Shortfall Due 0.00
(b) Unpaid Interest Shortfall Paid 0.00
(c) Remaining Unpaid Interest Shortalls 0.00
(vii) Class A-7 Certificate
(a) Unpaid Interest Shortfall Due 0.00
(b) Unpaid Interest Shortfall Paid 0.00
(c) Remaining Unpaid Interest Shortalls 0.00
(viii) Total Unpaid Interest Shortfall Due 0.00
(ix) Total Unpaid Interest Shortfall Paid 0.00
(x) Total Remaining Unpaid Interest Shortfall 0.00
(E) Monthly Principal Distribution:
(i) Class A-7 Certificate Priority Amount 0.00
(ii) Class A-1 Certificate 9,095,864.83
(iii) Class A-2 Certificate 0.00
(iv) Class A-3 Certificate 0.00
(v) Class A-4 Certificate 0.00
(vi) Class A-5 Certificate 0.00
(vii) Class A-6 Certificate 0.00
(viii) Other Class A-7 Certificate Amounts 0.00
(vi) Total Monthly Principal Distribution 9,095,864.83
(F) Reimbursement Amount owed to Certificate Insurer: 0.00
(G) Non Recoverable Advances not previously reimbursed to Master Servicer: 0.00
(H) Excess Spread: 1,921,164.65
(I) Distributable Excess Spread Allocation:
(i) Class A-1 Certificate 1,921,164.65
(ii) Class A-2 Certificate 0.00
(iii) Class A-3 Certificate 0.00
(iv) Class A-4 Certificate 0.00
(v) Class A-5 Certificate 0.00
(vi) Class A-6 Certificate 0.00
(vii) Class A-7 Certificate 0.00
(viii) Total Certificate Distributable Excess Spread 1,921,164.65
(J) Other Amounts owed to Certificate Insurer: 0.00
(K) Prepayment Interest Shortfall owed to Certificateholders
(i) Class A-1 Certificate
(a) Prepayment Interest Shortfall Due 0.00
(b) Prepayment Interest Shortfall Paid 0.00
(c) Remaining Prepayment Interest Shortfall 0.00
(ii) Class A-2 Certificate
(a) Prepayment Interest Shortfall Due 0.00
(b) Prepayment Interest Shortfall Paid 0.00
(c) Remaining Prepayment Interest Shortfall 0.00
(iii) Class A-3 Certificate
(a) Prepayment Interest Shortfall Due 0.00
(b) Prepayment Interest Shortfall Paid 0.00
(c) Remaining Prepayment Interest Shortfall 0.00
(iv) Class A-4 Certificate
(a) Prepayment Interest Shortfall Due 0.00
(b) Prepayment Interest Shortfall Paid 0.00
(c) Remaining Prepayment Interest Shortfall 0.00
(v) Class A-5 Certificate
(a) Prepayment Interest Shortfall Due 0.00
(b) Prepayment Interest Shortfall Paid 0.00
(c) Remaining Prepayment Interest Shortfall 0.00
(vi) Class A-6 Certificate
(a) Prepayment Interest Shortfall Due 0.00
(b) Prepayment Interest Shortfall Paid 0.00
(c) Remaining Prepayment Interest Shortfall 0.00
(vii) Class A-7 Certificate
(a) Prepayment Interest Shortfall Due 0.00
(b) Prepayment Interest Shortfall Paid 0.00
(c) Remaining Prepayment Interest Shortfall 0.00
(viii) Total Prepayment Interest Shortfall Due 0.00
(ix) Total Prepayment Interest Shortfall Paid 0.00
(x) Total Remaining Prepayment Interest Shortfall 0.00
(L) Other Amounts owed to Master Servicer
(i) Reimbursement of Compensating Interest 0.00
(ii) Reimbursement of Unreimbursed Servicing Advances 0.00
(iii) Reimbursement of Unreimbursed Monthly Advances 0.00
(M) Other termination/transfer amounts due to Trustee 0.00
(N) Amount released to Class R Certificateholder 0.00
</TABLE>
<TABLE>
F. Waterfall Amounts (continued)
REMAINING AVAIL REMAINING AVAIL TOTAL REMAINING
FUNDS (int only) FUNDS (Prin only) AVAILABLE FUNDS
<S> <C> <C> <C>
(A) Trustee Fee and Premium Amount: 4,040,200.64 9,095,864.83 13,136,065.47
(i) Trustee Fee 4,035,904.21
(ii) Premium Amount 3,969,087.94
(B) Accrued and Unpaid Master Servicing Fee: 3,969,087.94
(C) Current Monthly Interest Amounts:
(i) Class A-1 Certificate
(a) Current Monthly Interest Amount Due
(b) Current Monthly Interest Amount Paid
(c) Interest Shortfall
(ii) Class A-2 Certificate
(a) Current Monthly Interest Amount Due
(b) Current Monthly Interest Amount Paid
(c) Interest Shortfall
(iii) Class A-3 Certificate
(a) Current Monthly Interest Amount Due
(b) Current Monthly Interest Amount Paid
(c) Interest Shortfall
(iv) Class A-4 Certificate
(a) Current Monthly Interest Amount Due
(b) Current Monthly Interest Amount Paid
(c) Interest Shortfall
(v) Class A-5 Certificate
(a) Current Monthly Interest Amount Due
(b) Current Monthly Interest Amount Paid
(c) Interest Shortfall
(vi) Class A-6 Certificate
(a) Current Monthly Interest Amount Due
(b) Current Monthly Interest Amount Paid
(c) Interest Shortfall
(vii) Class A-7 Certificate
(a) Current Monthly Interest Amount Due
(b) Current Monthly Interest Amount Paid
(c) Interest Shortfall
(viii) Total Current Monthly Interest Amount Due
(ix) Total Current Montly Interest Amount Paid 1,921,164.65
(x) Total Interest Shortfall
(D) Unpaid Interest Shortfall and Interest on Unpaid Interest Shortfall:
(i) Class A-1 Certificate
(a) Unpaid Interest Shortfall Due
(b) Unpaid Interest Shortfall Paid
(c) Remaining Unpaid Interest Shortalls
(ii) Class A-2 Certificate
(a) Unpaid Interest Shortfall Due
(b) Unpaid Interest Shortfall Paid
(c) Remaining Unpaid Interest Shortalls
(iii) Class A-3 Certificate
(a) Unpaid Interest Shortfall Due
(b) Unpaid Interest Shortfall Paid
(c) Remaining Unpaid Interest Shortalls
(iv) Class A-4 Certificate
(a) Unpaid Interest Shortfall Due
(b) Unpaid Interest Shortfall Paid
(c) Remaining Unpaid Interest Shortalls
(v) Class A-5 Certificate
(a) Unpaid Interest Shortfall Due
(b) Unpaid Interest Shortfall Paid
(c) Remaining Unpaid Interest Shortalls
(vi) Class A-6 Certificate
(a) Unpaid Interest Shortfall Due
(b) Unpaid Interest Shortfall Paid
(c) Remaining Unpaid Interest Shortalls
(vii) Class A-7 Certificate
(a) Unpaid Interest Shortfall Due
(b) Unpaid Interest Shortfall Paid
(c) Remaining Unpaid Interest Shortalls
(viii) Total Unpaid Interest Shortfall Due
(ix) Total Unpaid Interest Shortfall Paid 1,921,164.65
(x) Total Remaining Unpaid Interest Shortfall
(E) Monthly Principal Distribution:
(i) Class A-7 Certificate Priority Amount
(ii) Class A-1 Certificate
(iii) Class A-2 Certificate
(iv) Class A-3 Certificate
(v) Class A-4 Certificate
(vi) Class A-5 Certificate
(vii) Class A-6 Certificate
(viii) Other Class A-7 Certificate Amounts
(vi) Total Monthly Principal Distribution 0.00
(F) Reimbursement Amount owed to Certificate Insurer: 1,921,164.65
(G) Non Recoverable Advances not previously reimbursed to Master 1,921,164.65
Servicer
(H) Excess Spread:
(I) Distributable Excess Spread Allocation:
(i) Class A-1 Certificate
(ii) Class A-2 Certificate
(iii) Class A-3 Certificate
(iv) Class A-4 Certificate
(v) Class A-5 Certificate
(vi) Class A-6 Certificate
(vii) Class A-7 Certificate
(viii) Total Certificate Distributable Excess Spread 0.00
(J) Other Amounts owed to Certificate Insurer: 0.00
(K) Prepayment Interest Shortfall owed to Certificateholders
(i) Class A-1 Certificate
(a) Prepayment Interest Shortfall Due
(b) Prepayment Interest Shortfall Paid
(c) Remaining Prepayment Interest Shortfall
(ii) Class A-2 Certificate
(a) Prepayment Interest Shortfall Due
(b) Prepayment Interest Shortfall Paid
(c) Remaining Prepayment Interest Shortfall
(iii) Class A-3 Certificate
(a) Prepayment Interest Shortfall Due
(b) Prepayment Interest Shortfall Paid
(c) Remaining Prepayment Interest Shortfall
(iv) Class A-4 Certificate
(a) Prepayment Interest Shortfall Due
(b) Prepayment Interest Shortfall Paid
(c) Remaining Prepayment Interest Shortfall
(v) Class A-5 Certificate
(a) Prepayment Interest Shortfall Due
(b) Prepayment Interest Shortfall Paid
(c) Remaining Prepayment Interest Shortfall
(vi) Class A-6 Certificate
(a) Prepayment Interest Shortfall Due
(b) Prepayment Interest Shortfall Paid
(c) Remaining Prepayment Interest Shortfall
(vii) Class A-7 Certificate
(a) Prepayment Interest Shortfall Due
(b) Prepayment Interest Shortfall Paid
(c) Remaining Prepayment Interest Shortfall
(viii) Total Prepayment Interest Shortfall Due
(ix) Total Prepayment Interest Shortfall Paid 0.00
(x) Total Remaining Prepayment Interest Shortfall
(L) Other Amounts owed to Master Servicer
(i) Reimbursement of Compensating Interest 0.00
(ii) Reimbursement of Unreimbursed Servicing Advances 0.00
(iii) Reimbursement of Unreimbursed Monthly Advances 0.00
(M) Other termination/transfer amounts due to Trustee 0.00
(N) Amount released to Class R Certificateholder
</TABLE>
<TABLE>
G. CALCULATION OF OC TARGET AMOUNT
<S> <C>
(A) Twelve Month Average Monthly Loss Rate (Not applicable until 12th Distribution
date) 0.000%
(B) Is Rolling Twelve Month Loss Rate greater than Trigger Values? No
(C) Cumulative Loss Rate 0.000%
(D) Is Cumulative Loss Rate greater than 6.50%? No
(E) Has OC Stepdown Date been reached? No
(F) Overcollateralization Target Amount $30,157,340.74
</TABLE>
<TABLE>
H. COMPARATIVE POOL AND CERTIFICATE CHARACTERISTICS
Begin of Collection End of Collection Period
Period
<S> <C>
(A) Certificate Balances and Factors
(i) Class A-1 Certificate Balance $174,374,368.60 $163,357,339.12
(ii) Class A-1 Certificate Factor 0.9503519 0.8903084
(iii) Class A-2 Certificate Balance $56,388,000.00 $56,388,000.00
(iv) Class A-2 Certificate Factor 1.0000000 1.0000000
(v) Class A-3 Certificate Balance $47,183,000.00 $47,183,000.00
(vi) Class A-3 Certificate Factor 1.0000000 1.0000000
(vii) Class A-4 Certificate Balance $15,404,000.00 $15,404,000.00
(viii) Class A-4 Certificate Factor 1.0000000 1.0000000
(ix) Class A-5 Certificate Balance $20,133,000.00 $20,133,000.00
(x) Class A-5 Certificate Factor 1.0000000 1.0000000
(xi) Class A-6 Certificate Balance $12,058,000.00 $12,058,000.00
(xii) Class A-6 Certificate Factor 1.0000000 1.0000000
(xiii) Class A-7 Certificate Balance $38,912,000.00 $38,912,000.00
(xiv) Class A-7 Certificate Factor 1.0000000 1.0000000
(xv) Aggregate Certificate Balance $364,452,368.60 $353,435,339.12
(xvi) Aggregate Certificate Factor 0.9756141 0.9461223
(B) Collateral Pool
(i) Pool Principal Balance $381,904,498.49 $372,808,633.66
(ii) Weighted Average Loan Rate 11.795% 11.787%
(iii) Weighted Average Original Term (months) 213.00 213.00
(iv) Weighted Average Remaining Term (months) 209.84 208.96
(v) Loan Count 6,872 6,731
(vi) 3 Largest Loan Pool Balances $1,137,716.07 $1,134,214.68
(C) Overcollateralization Amount $17,452,129.89 $19,373,294.54
</TABLE>
<TABLE>
I. MASTER SERVICER TERMINATION & OTHER TRIGGER TESTS
<S> <C>
(A) Rolling Twelve Month Loss Rate 0.000%
(B) Is Rolling Twelve Month Loss Rate greater than 4.00%? No
(C) Six Month Average of Pool Delinquency Rate (Not applicable until 6th
Distribution Date) 0.062%
(D) Is Rolling Six Month Delinquency Rate greater than 5.00%? No
(E) Has Deposit Event Occurred? No
</TABLE>
<TABLE>
J. SUMMARY STATEMENT OF AMOUNTS DUE TO CERTIFICATEHOLDERS
<S> <C> <C>
Per $1000
Dollars of Original
Cert Principal
(A) Amount of distribution allocable to Current Monthly Interest
& Unpaid Interest Sh
(i) Class A-1 Certificate $938,715.35 5.11606108
(ii) Class A-2 Certificate $314,363.10 5.57500000
(iii) Class A-3 Certificate $272,875.02 5.78333333
(iv) Class A-4 Certificate $91,140.33 5.91666667
(v) Class A-5 Certificate $122,643.53 6.09166667
(vi) Class A-6 Certificate $75,362.50 6.25000000
(vii) Class A-7 Certificate $232,823.47 5.98333333
(v) Total $2,047,923.29 5.48215100
(B) Amount of distribution allocable to Formula Principal Distributable Amount
(i) Class A-1 Certificate $9,095,864.83 49.57306811
(ii) Class A-2 Certificate $0.00 0.00000000
(iii) Class A-3 Certificate $0.00 0.00000000
(iv) Class A-4 Certificate $0.00 0.00000000
(v) Class A-5 Certificate $0.00 0.00000000
(vi) Class A-6 Certificate $0.00 0.00000000
(vii) Class A-7 Certificate $0.00 0.00000000
(v) Total $9,095,864.83 24.34900988
(C) Amount of distribution allocable to Distributable Excess Spread
(i) Class A-1 Certificate $1,921,164.65 10.47047508
(ii) Class A-2 Certificate $0.00 0.00000000
(iii) Class A-3 Certificate $0.00 0.00000000
(iv) Class A-4 Certificate $0.00 0.00000000
(v) Class A-5 Certificate $0.00 0.00000000
(vi) Class A-6 Certificate $0.00 0.00000000
(vii) Class A-7 Certificate $0.00 0.00000000
(v) Total $1,921,164.65 5.14282676
(D) Amount of distribution allocable to Prepayment Interest Shortfall
(i) Class A-1 Certificate $0.00 0.00000000
(ii) Class A-2 Certificate $0.00 0.00000000
(iii) Class A-3 Certificate $0.00 0.00000000
(iv) Class A-4 Certificate $0.00 0.00000000
(v) Class A-5 Certificate $0.00 0.00000000
(vi) Class A-6 Certificate $0.00 0.00000000
(vii) Class A-7 Certificate $0.00 0.00000000
(v) Total $0.00 0.00000000
(E) Total Principal and Interest Distributed to Certificateholders
(i) Class A-1 Certificate $11,955,744.83 65.15960427
(ii) Class A-2 Certificate $314,363.10 5.57500000
(iii) Class A-3 Certificate $272,875.02 5.78333333
(iv) Class A-4 Certificate $91,140.33 5.91666667
(v) Class A-5 Certificate $122,643.53 6.09166667
(vi) Class A-6 Certificate $75,362.50 6.25000000
(vii) Class A-7 Certificate $232,823.47 5.98333333
(v) Total $13,064,952.77 34.97398764
</TABLE>
