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) March
28, 1996
Residential Funding Mortgage Securities I, Inc. (as
company under a Pooling and Servicing Agreement dated
as of March 1, 1996 providing for, inter alia, the
issuance of Mortgage Pass-Through Certificates, Series
1996-S6)
Residential Funding Mortgage Securities I, Inc.
(Exact name of registrant as specified in its charter)
DELAWARE 33-54227 75-2006294
(State or other
jurisdiction (Commission) (I.R.S. employer
of incorporation) file number) identification no.)
8400 Normandale Lake Blvd., Suite 600, Minneapolis, MN
55437
(Address of principal executive offices) (Zip code)
Registrant's telephone number, including area code
(612) 832-7000
(Former name or former address, if changed since last
report)
Exhibit Index Located on Page 2
Items 1 through 6 and Item 8 are not included because
they are not applicable.
Item 7. Financial Statements, Pro Forma Financial
Information and Exhibits.
(a) Not applicable
(b) Not applicable
(c) Exhibits (executed copies) - The
following execution copies of Exhibits to the Form S-3
Registration Statement of the Registrant are hereby
filed:
Sequentially
Exhibit Numbered
Number Exhibit Page
7(c) Pooling and Servicing 004
Agreement, dated as of
March 1, 1996 among
Residential Funding
Mortgage Securities I, Inc.,
as company, Residential
Funding Corporation,
as master servicer, and
The First National Bank
of Chicago, as trustee.
SIGNATURES
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 thereunto duly authorized.
RESIDENTIAL FUNDING MORTGAGE
SECURITIES I, INC.
By: /s/ Jill M. Johnson
Name: Jill M. Johnson
Title: Vice President
Dated: March 28, 1996
Exhibit 7(c)
Pooling and Servicing Agreement
EXECUTION COPY
RESIDENTIAL FUNDING MORTGAGE SECURITIES I, INC.,
Company,
RESIDENTIAL FUNDING CORPORATION,
Master Servicer,
and
THE FIRST NATIONAL BANK OF CHICAGO,
Trustee
POOLING AND SERVICING AGREEMENT
Dated as of March 1, 1996
Mortgage Pass-Through Certificates
Series 1996-S6
TABLE OF CONTENTS
Page
ARTICLE I
DEFINITIONS
Section 1.01. Definitions. . . . . . . . . . . 3
Accretion Termination Date. . . . . . 3
Accrual Distribution Amount . . . . . 3
Accrued Certificate Interest. . . . . 3
Adjusted Mortgage Rate. . . . . . . . 4
Advance . . . . . . . . . . . . . . . 4
Affiliate . . . . . . . . . . . . . . 4
Agreement . . . . . . . . . . . . . . 4
Amount Held for Future
Distribution. . . . . . . . . . . . . 4
Appraised Value . . . . . . . . . . . 5
Assignment. . . . . . . . . . . . . . 5
Assignment Agreement. . . . . . . . . 5
Assignment of Proprietary Lease . . . 5
Available Distribution Amount . . . . 5
Bankruptcy Amount . . . . . . . . . . 6
Bankruptcy Code . . . . . . . . . . . 7
Bankruptcy Loss . . . . . . . . . . . 7
Book-Entry Certificate. . . . . . . . 7
Business Day. . . . . . . . . . . . . 7
Buydown Funds . . . . . . . . . . . . 7
Buydown Mortgage Loan . . . . . . . . 7
Cash Liquidation. . . . . . . . . . . 7
Certificate . . . . . . . . . . . . . 7
Certificate Account . . . . . . . . . 8
Certificate Account Deposit Date. . . 8
Certificateholder or Holder . . . . . 8
Certificate Owner . . . . . . . . . . 8
Certificate Principal Balance . . . . 8
Certificate Register and
Certificate Registrar . . . . . . . . 9
Class . . . . . . . . . . . . . . . . 9
Class A Certificate . . . . . . . . . 9
Class A-9 Component A . . . . . . . . 10
Class A-9 Component B . . . . . . . . 10
Class A-9 Component C . . . . . . . . 10
Class A-9 Component D . . . . . . . . 10
Class A-9 Component E . . . . . . . . 11
Class A-9 Component F . . . . . . . . 11
Class A-9 Component G . . . . . . . . 11
Class A-9 Component H . . . . . . . . 11
Class B Certificate . . . . . . . . . 11
Class B Percentage. . . . . . . . . . 12
Class B-1 Percentage. . . . . . . . . 12
Class B-1 Prepayment Distribution
Trigger . . . . . . . . . . . . . . . 12
Class B-2 Percentage. . . . . . . . . 12
Class B-2 Prepayment Distribution
Trigger . . . . . . . . . . . . . . . 12
Class B-3 Percentage. . . . . . . . . 12
Class B-3 Prepayment Distribution
Trigger . . . . . . . . . . . . . . . 12
Class M Certificate . . . . . . . . . 13
Class M Percentage. . . . . . . . . . 13
Class M-1 Percentage. . . . . . . . . 13
Class M-2 Percentage. . . . . . . . . 13
Class M-2 Prepayment Distribution
Trigger . . . . . . . . . . . . . . . 13
Class M-3 Percentage. . . . . . . . . 13
Class M-3 Prepayment Distribution
Trigger . . . . . . . . . . . . . . . 13
Class R Certificate . . . . . . . . . 14
Class R-I Certificate . . . . . . . . 14
Class R-II Certificate. . . . . . . . 14
Closing Date. . . . . . . . . . . . . 14
Code. . . . . . . . . . . . . . . . . 14
Compensating Interest . . . . . . . . 14
Component . . . . . . . . . . . . . . 14
Cooperative . . . . . . . . . . . . . 14
Cooperative Apartment . . . . . . . . 15
Cooperative Lease . . . . . . . . . . 15
Cooperative Loans . . . . . . . . . . 15
Cooperative Stock . . . . . . . . . . 15
Cooperative Stock Certificate . . . . 15
Corporate Trust Office. . . . . . . . 15
Credit Support Depletion Date . . . . 15
Curtailment . . . . . . . . . . . . . 15
Custodial Account . . . . . . . . . . 15
Custodial Agreement . . . . . . . . . 16
Custodian . . . . . . . . . . . . . . 16
Cut-off Date. . . . . . . . . . . . . 16
Cut-off Date Principal Balance. . . . 16
Debt Service Reduction. . . . . . . . 16
Deficient Valuation . . . . . . . . . 16
Definitive Certificate. . . . . . . . 16
Deleted Mortgage Loan . . . . . . . . 16
Depository. . . . . . . . . . . . . . 16
Depository Participant. . . . . . . . 16
Destroyed Mortgage Note . . . . . . . 17
Determination Date. . . . . . . . . . 17
Disqualified Organization . . . . . . 17
Distribution Date . . . . . . . . . . 17
Due Date. . . . . . . . . . . . . . . 17
Due Period. . . . . . . . . . . . . . 17
Eligible Account. . . . . . . . . . . 17
Event of Default. . . . . . . . . . . 18
Excess Bankruptcy Loss. . . . . . . . 18
Excess Fraud Loss . . . . . . . . . . 18
Excess Special Hazard Loss. . . . . . 18
Excess Spread . . . . . . . . . . . . 18
Excess Subordinate Principal
Amount. . . . . . . . . . . . . . . . 19
Extraordinary Events. . . . . . . . . 19
Extraordinary Losses. . . . . . . . . 20
FDIC. . . . . . . . . . . . . . . . . 20
FHLMC . . . . . . . . . . . . . . . . 20
Final Distribution Date . . . . . . . 20
Fitch . . . . . . . . . . . . . . . . 20
FNMA. . . . . . . . . . . . . . . . . 20
Foreclosure Profits . . . . . . . . . 20
Fraud Loss Amount . . . . . . . . . . 20
Fraud Losses. . . . . . . . . . . . . 21
Independent . . . . . . . . . . . . . 21
Initial Certificate Principal
Balance . . . . . . . . . . . . . . . 21
Initial Monthly Payment Fund. . . . . 21
Insurance Proceeds. . . . . . . . . . 21
Insurer . . . . . . . . . . . . . . . 21
Late Collections. . . . . . . . . . . 22
Liquidation Proceeds. . . . . . . . . 22
Loan-to-Value Ratio . . . . . . . . . 22
Maturity Date . . . . . . . . . . . . 22
Monthly Payment . . . . . . . . . . . 22
Moody's . . . . . . . . . . . . . . . 22
Mortgage. . . . . . . . . . . . . . . 22
Mortgage File . . . . . . . . . . . . 22
Mortgage Loan Schedule. . . . . . . . 23
Mortgage Loans. . . . . . . . . . . . 23
Mortgage Note . . . . . . . . . . . . 24
Mortgage Rate . . . . . . . . . . . . 24
Mortgaged Property. . . . . . . . . . 24
Mortgagor . . . . . . . . . . . . . . 24
Net Mortgage Rate . . . . . . . . . . 24
Non-Primary Residence Loans . . . . . 24
Non-United States Person. . . . . . . 24
Nonrecoverable Advance. . . . . . . . 24
Nonsubserviced Mortgage Loan. . . . . 24
Notional Amount . . . . . . . . . . . 24
Officers' Certificate . . . . . . . . 25
Opinion of Counsel. . . . . . . . . . 25
Original Senior Percentage. . . . . . 25
Outstanding Mortgage Loan . . . . . . 25
Owner or Holder . . . . . . . . . . . 25
Ownership Interest. . . . . . . . . . 25
Pass-Through Rate . . . . . . . . . . 25
Paying Agent. . . . . . . . . . . . . 26
Percentage Interest . . . . . . . . . 26
Permitted Investments . . . . . . . . 26
Permitted Transferee. . . . . . . . . 27
Person. . . . . . . . . . . . . . . . 27
Pool Stated Principal Balance . . . . 28
Prepayment Assumption . . . . . . . . 28
Prepayment Distribution Percentage. . 28
Prepayment Distribution Trigger . . . 30
Prepayment Interest Shortfall . . . . 30
Prepayment Period . . . . . . . . . . 30
Primary Insurance Policy. . . . . . . 30
Principal Prepayment. . . . . . . . . 30
Principal Prepayment in Full. . . . . 30
Program Guide . . . . . . . . . . . . 30
Purchase Price. . . . . . . . . . . . 30
Qualified Substitute Mortgage Loan. . 31
Rating Agency . . . . . . . . . . . . 31
Realized Loss . . . . . . . . . . . . 31
Record Date . . . . . . . . . . . . . 32
Regular Certificate . . . . . . . . . 32
REMIC . . . . . . . . . . . . . . . . 32
REMIC Administrator . . . . . . . . . 32
REMIC I . . . . . . . . . . . . . . . 32
REMIC I Certificates. . . . . . . . . 33
REMIC II. . . . . . . . . . . . . . . 33
REMIC II Certificates . . . . . . . . 33
REMIC Provisions. . . . . . . . . . . 33
REO Acquisition . . . . . . . . . . . 33
REO Disposition . . . . . . . . . . . 33
REO Imputed Interest. . . . . . . . . 34
REO Proceeds. . . . . . . . . . . . . 34
REO Property. . . . . . . . . . . . . 34
Request for Release . . . . . . . . . 34
Required Insurance Policy . . . . . . 34
Residential Funding . . . . . . . . . 34
Responsible Officer . . . . . . . . . 34
Security Agreement. . . . . . . . . . 34
Seller. . . . . . . . . . . . . . . . 34
Seller's Agreement. . . . . . . . . . 34
Senior Accelerated Distribution
Percentage. . . . . . . . . . . . . . 35
Senior Percentage . . . . . . . . . . 36
Senior Principal Distribution
Amount. . . . . . . . . . . . . . . . 36
Senior Support Certificates . . . . . 36
Servicing Accounts. . . . . . . . . . 36
Servicing Advances. . . . . . . . . . 36
Servicing Fee . . . . . . . . . . . . 36
Servicing Officer . . . . . . . . . . 36
Special Hazard Amount . . . . . . . . 37
Special Hazard Loss . . . . . . . . . 38
Spread Rate . . . . . . . . . . . . . 38
Standard & Poor's . . . . . . . . . . 38
Stated Principal Balance. . . . . . . 38
Subordinate Percentage. . . . . . . . 38
Subordinate Principal Distribution
Amount. . . . . . . . . . . . . . . . 38
Subserviced Mortgage Loan . . . . . . 39
Subservicer . . . . . . . . . . . . . 39
Subservicer Advance . . . . . . . . . 39
Subservicing Account. . . . . . . . . 39
Subservicing Agreement. . . . . . . . 39
Subservicing Fee. . . . . . . . . . . 39
Super Senior Certificates . . . . . . 39
Super Senior Optimal Percentage . . . 39
Super Senior Optimal Principal
Distribution Amount . . . . . . . . . 40
Super Senior Percentage . . . . . . . 40
TAC Certificates. . . . . . . . . . . 40
TAC Components. . . . . . . . . . . . 40
Targeted Principal Balance. . . . . . 40
Tax Returns . . . . . . . . . . . . . 40
Transfer. . . . . . . . . . . . . . . 40
Transferee. . . . . . . . . . . . . . 41
Transferor. . . . . . . . . . . . . . 41
Trust Fund. . . . . . . . . . . . . . 41
Uncertificated Accrued Interest . . . 41
Uncertificated Pass-Through Rate. . . 41
Uncertificated Principal Balance. . . 41
Uncertificated REMIC I Regular
Interest V. . . . . . . . . . . . . . 42
Uncertificated REMIC I Regular
Interest W. . . . . . . . . . . . . . 42
Uncertificated REMIC I Regular
Interest X. . . . . . . . . . . . . . 42
Uncertificated REMIC I Regular
Interest Y. . . . . . . . . . . . . . 42
Uncertificated REMIC I Regular
Interest Z. . . . . . . . . . . . . . 43
Uncertificated REMIC I Regular
Interests . . . . . . . . . . . . . . 43
Uncertificated REMIC I Regular
Interest V Distribution Amount. . . . 43
Uncertificated REMIC I Regular
Interest W Distribution Amount. . . . 43
Uncertificated REMIC I Regular
Interest X Distribution Amount. . . . 43
Uncertificated REMIC I Regular
Interest Y Distribution Amount. . . . 43
Uncertificated REMIC I Regular
Interest Z Distribution Amount. . . . 43
Uncertificated REMIC I Regular
Interest Distribution Amounts . . . . 44
Uniform Single Attestation Program
for Mortgage Bankers: . . . . . . . . 44
Uninsured Cause . . . . . . . . . . . 44
United States Person. . . . . . . . . 44
Voting Rights . . . . . . . . . . . . 44
ARTICLE II
CONVEYANCE OF MORTGAGE LOANS;
ORIGINAL ISSUANCE OF CERTIFICATES
Section 2.01. Conveyance of Mortgage Loans . . 45
Section 2.02. Acceptance by Trustee. . . . . . 50
Section 2.03. Representations, Warranties
and Covenants of the Master
Servicer and the Company . . . . 52
Section 2.04. Representations and Warranties
of Sellers . . . . . . . . . . . 57
Section 2.05. Issuance of Certificates
Evidencing Interests in REMIC
I Certificates . . . . . . . . . 59
Section 2.06. Conveyance of Uncertificated
REMIC I and REMIC II Regular
Interests; Acceptance by the
Trustee. . . . . . . . . . . . . 60
Section 2.07. Issuance of Certificates
Evidencing Interest in REMIC
II . . . . . . . . . . . . . . . 60
ARTICLE III
ADMINISTRATION AND SERVICING
OF MORTGAGE LOANS
Section 3.01. Master Servicer to Act as
Servicer . . . . . . . . . . . . . . . . . 61
Section 3.02. Subservicing Agreements
Between Master Servicer and
Subservicers; Enforcement of
Subservicers' and Sellers'
Obligations. . . . . . . . . . . 62
Section 3.03. Successor Subservicers . . . . . 63
Section 3.04. Liability of the Master
Servicer . . . . . . . . . . . . 64
Section 3.05. No Contractual Relationship
Between Subservicer and
Trustee or Certificateholders
or the Owner of the Excess
Spread. . . . . . . . . . . . . 64
Section 3.06. Assumption or Termination of
Subservicing Agreements by
Trustee. . . . . . . . . . . . . 65
Section 3.07. Collection of Certain Mortgage
Loan Payments; Deposits to
Custodial Account.
. . . . . . . . . . . . . . . . 65
Section 3.08. Subservicing Accounts;
Servicing Accounts . . . . . . . . . . . . 68
Section 3.09. Access to Certain
Documentation and Information
Regarding the Mortgage Loans . . 70
Section 3.10. Permitted Withdrawals from the
Custodial Account. . . . . . . . 70
Section 3.11. Maintenance of the Primary
Insurance Policies;
Collections Thereunder . . . . . 72
Section 3.12. Maintenance of Fire Insurance
and Omissions and Fidelity
Coverage. . . . . . . . . . . . 73
Section 3.13. Enforcement of Due-on-Sale
Clauses; Assumption and
Modification Agreements;
Certain Assignments. . . . . . . 75
Section 3.14. Realization Upon Defaulted
Mortgage Loans. . . . . . . . . . . . 77
Section 3.15. Trustee to Cooperate;
Release of Mortgage Files. . . . 80
Section 3.16. Servicing and Other
Compensation; Compensating
Interest . . . . . . . . . . . . 82
Section 3.17. Reports to the Trustee
and the Company. . . . . . . . . . . . . . 83
Section 3.18. Annual Statement as to
Compliance . . . . . . . . . . . 83
Section 3.19. Annual Independent Public
Accountants' Servicing
Report.. . . . . . . . . . . . . 84
Section 3.20. Rights of the Company in
Respect of the Master
Servicer. . . . . . . . 84
Section 3.21. Administration of Buydown
Funds. . . . . . . . . . . . . . . . . . . 85
ARTICLE IV
PAYMENTS TO CERTIFICATEHOLDERS
Section 4.01. Certificate Account. . . . . . . 86
Section 4.02. Distributions. . . . . . . . . . 86
Section 4.03. Statements to
Certificateholders and the
Owner of the Excess Spread . . . 99
Section 4.04. Distribution of Reports to the
Trustee and the Company;
Advances by the Master
Servicer . . . . . . . . . . . .102
Section 4.05. Allocation of Realized Losses. .104
Section 4.06. Reports of Foreclosures and
Abandonment of Mortgaged
Property. . . .105
Section 4.07. Optional Purchase of Defaulted
Mortgage Loans.
. . . . . . . .106
Section 4.08. Distributions on the
Uncertificated REMIC I and
REMIC II Regular Interests.. . .106
ARTICLE V
THE CERTIFICATES AND EXCESS SPREAD
Section 5.01. The Certificates . . . . . . . .109
Section 5.02. Registration of Transfer and
Exchange of Certificates and
Restrictions on Transfer of
Excess Spread. . . . . . . . . .111
Section 5.03. Mutilated, Destroyed, Lost or
Stolen Certificates. . . . . . .117
Section 5.04. Persons Deemed Owners. . . . . .118
Section 5.05. Appointment of Paying Agent. . .118
Section 5.06. Optional Purchase of
Certificates . . . . . . . . . .118
ARTICLE VI
THE COMPANY AND THE MASTER SERVICER
Section 6.01. Respective Liabilities of the
Company and the Master
Servicer . . . . . . . . . . . .121
Section 6.02. Merger or Consolidation of the
Company or the Master
Servicer; Assignment of Rights
and Delegation of Duties by
Master Servicer. . . . . . . . .121
Section 6.03. Limitation on Liability of the
Company, the Master Servicer
and Others. . . . . . . .122
Section 6.04. Company and Master
Servicer Not to Resign . . . . .123
ARTICLE VII
DEFAULT
Section 7.01. Events of Default. . . . . . . .124
Section 7.02. Trustee or Company to Act;
Appointment of Successor . . . .126
Section 7.03. Notification to
Certificateholders . . . . . . .127
Section 7.04. Waiver of Events of Default. . .127
ARTICLE VIII
CONCERNING THE TRUSTEE
Section 8.01. Duties of Trustee. . . . . . . .129
Section 8.02. Certain Matters Affecting the
Trustee. . . . . . . . . . . . .131
Section 8.03. Trustee Not Liable for
Certificates or Mortgage
Loans. . . . . . . . . . . . . .133
Section 8.04. Trustee May Own Certificates . .133
Section 8.05. Master Servicer to Pay
Trustee's Fees and Expenses;
Indemnification. . . . .133
Section 8.06. Eligibility Requirements for
Trustee. . . . . . . . . . . . .134
Section 8.07. Resignation and Removal of the
Trustee. . . . . . . . . . . . .135
Section 8.08. Successor Trustee. . . . . . . .136
Section 8.09. Merger or Consolidation of
Trustee. . . . . . . . . . . . .137
Section 8.10. Appointment of Co-Trustee or
Separate Trustee.. . . . . . . .137
Section 8.11. Appointment of Custodians. . . .138
Section 8.12. Appointment of Office or
Agency . . . . . . . . . . . . .139
ARTICLE IX
TERMINATION
Section 9.01. Termination Upon Purchase by
the Master Servicer or the
Company or Liquidation of All
Mortgage Loans . . . . . . . . .140
Section 9.02. Termination of REMIC II. . . . .143
Section 9.03. Additional Termination
Requirements . . . . . . . . . .143
ARTICLE X
REMIC PROVISIONS
Section 10.01. REMIC Administration . . . . . .145
Section 10.02. Master Servicer and Trustee
Indemnification . . . . . . . . . . .149
ARTICLE XI
MISCELLANEOUS PROVISIONS
Section 11.01. Amendment. . . . . . . . . . . .151
Section 11.02. Recordation of Agreement;
Counterparts . . . . . . . . . .154
Section 11.03. Limitation on Rights
of Certificateholders. . . . . .154
Section 11.04. Governing Law. . . . . . . . . .155
Section 11.05. Notices. . . . . . . . . . . . .155
Section 11.06. Notices to Rating Agency . . . .156
Section 11.07. Severability of Provisions . . .157
EXHIBITS
Exhibit A: Form of Class A Certificate
Exhibit B: Form of Class M Certificate
Exhibit C: Form of Class B Certificate
Exhibit D: Form of Class R Certificate
Exhibit E: Form of Custodial Agreement
Exhibit F: Mortgage Loan Schedule
Exhibit G: Form of Seller/Servicer Contract
Exhibit H: Forms of Request for Release
Exhibit I-1: Form of Transfer Affidavit and
Agreement
Exhibit I-2: Form of Transferor Certificate
Exhibit J: Form of Investor Representation Letter
Exhibit K: Form of Transferor Representation
Letter
Exhibit L: Form of Rule 144A Investment
Representation Letter
Exhibit M: Text of Amendment to Pooling and
Servicing Agreement Pursuant to Section
11.01(e) for a Limited Guaranty
Exhibit N: Form of Limited Guaranty
Exhibit O: Form of Lender Certification for
Assignment of Mortgage Loan
Exhibit P: Targeted Principal Balances
This is a Pooling and Servicing Agreement, dated
as of March 1, 1996, among RESIDENTIAL FUNDING MORTGAGE
SECURITIES I, INC., as the company (together with its
permitted successors and assigns, the "Company"),
RESIDENTIAL FUNDING CORPORATION, as master servicer
(together with its permitted successors and assigns,
the "Master Servicer"), and THE FIRST NATIONAL BANK OF
CHICAGO, as Trustee (together with its permitted
successors and assigns, the "Trustee"),
PRELIMINARY STATEMENT:
The Company intends to sell mortgage pass-through
certificates (collectively, the "Certificates"), to be
issued hereunder in multiple classes, which in the
aggregate will evidence the entire beneficial ownership
interest in the Mortgage Loans (as defined herein). As
provided herein, the Master Servicer will make an
election to treat the entire segregated pool of assets
described in the definition of REMIC I (as defined
herein), and subject to this Agreement (including the
Mortgage Loans but excluding the Initial Monthly
Payment Fund), as a real estate mortgage investment
conduit (a "REMIC") for federal income tax purposes and
such segregated pool of assets will be designated as
"REMIC I." The Uncertificated REMIC I Regular
Interests will be "regular interests" in REMIC I and
the Class R-I Certificates will be the sole class of
"residual interests" in REMIC I for purposes of the
REMIC Provisions (as defined herein) under the federal
income tax law. A segregated pool of assets consisting
of the Uncertificated REMIC I Regular Interests will be
designated as "REMIC II," and the Master Servicer will
make a separate REMIC election with respect thereto.
The Class A-1, Class A-2, Class A-3, Class A-4, Class
A-5, Class A-6, Class A-7, Class A-8, Class A-10, Class
A-11, Class A-12, Class A-13, Class M-1, Class M-2,
Class M-3, Class B-1, Class B-2 and Class B-3
Certificates, Class A-9 Component A, Class A-9
Component B, Class A-9 Component C, Class A-9 Component
D, Class A-9 Component E, Class A-9 Component F, Class
A-9 Component G and Class A-9 Component H and the ri
ghts in and to the Excess Spread (as defined herein)
will be "regular interests" in REMIC II, and the Class
R-II Certificates will be the sole class of "residual
interests" therein for purposes of the REMIC Provisions
(as defined herein) under federal income tax law.
The following table sets forth the designation,
type, Pass-Through Rate, aggregate Initial Certificate
Principal Balance, Maturity Date, initial ratings and
certain features for each Class of Certificates
comprising the interests in the Trust Fund created
hereunder.
Aggregate
Initial
Pass- Certificate
Through Principal
Designation Rate Balance Features
Class A-1 6.625% $68,000,000.00 Senior
Class A-2 6.625% $50,000,000.00 Senior
Class A-3 6.625% $12,000,000.00 Senior
Class A-4 6.000% $10,424,000.00 Accretion
Directed/
Senior
Class A-5 6.625% $40,000,000.00 TAC/Senior
Class A-6 7.000% $ 9,032,000.00 TAC/Senior
Class A-7 8.000% $ 9,317,000.00 Senior
Class A-8 0.000% $ 1,331,000.00 Principal
Only/Senior
Class A-9 See Below $67,509,000.00 See Below
Class A-10 7.000% $27,446,000.00 Prepayment
Lockout/Senior
Class A-11 7.000% $15,000,000.00 Senior
Support/
Prepayment Lockout
/Senior
Class A-12 6.625% $72,100,000.00 TAC/Senior
Class A-13 6.625% $17,900,000.00 TAC/Senior
Class R-I 7.000% $ 100.00 Residual/Senior
Class R-II 7.000% $ 100.00 Residual/Senior
Class M-1 7.000% $ 9,550,000.00 Mezzanine
Class M-2 7.000% $ 5,306,000.00 Mezzanine
Class M-3 7.000% $ 4,669,000.00 Mezzanine
Class B-1 7.000% $ 2,335,000.00 Subordinate
Class B-2 7.000% $ 849,000.00 Subordinate
Class B-3 7.000% $ 1,698,373.98 Subordinate
Maturity
Designation Date S&P Fitch
Class A-1 March 25, 2026 AAA AAA
Class A-2 March 25, 2026 AAA AAA
Class A-3 March 25, 2026 AAA AAA
Class A-4 March 25, 2026 AAA AAA
Class A-5 March 25, 2026 AAA AAA
Class A-6 March 25, 2026 AAA AAA
Class A-7 March 25, 2026 AAA AAA
Class A-8 March 25, 2026 AAAr AAA
Class A-9 March 25, 2026 AAA AAA
Class A-10 March 25, 2026 AAA AAA
Class A-11 March 25, 2026 AAA AAA
Class A-12 March 25, 2026 AAA AAA
Class A-13 March 25, 2026 AAA AAA
Class R-I March 25, 2026 AAA AAA
Class R-II March 25, 2026 AAA AAA
Class M-1 March 25, 2026 N/A AA
Class M-2 March 25, 2026 N/A A
Class M-3 March 25, 2026 N/A BBB
Class B-1 March 25, 2026 N/A BB
Class B-2 March 25, 2026 N/A B
Class B-3 March 25, 2026 N/A N/A
The Class A-9 Certificates are comprised of eight
Components having the following designations, interest
rates, initial amounts and features:
Interest Initial
Designation Rate Amount Features
Class A-9
Component A 7.000% $ 0.00 Interest Only
/Super Senior
Class A-9
Component B 7.000% $17,744,000.00 Super Senior
Class A-9
Component C 7.000% $ 5,665,000.00 Accretion
Directed /
Super Senior
Class A-9
Component D 7.000% $15,000,000.00 Accrual/Super
Senior
Class A-9
Component E 7.000% $ 0.00 Interest Only
/Super Senior
Class A-9
Component F 7.000% $12,159,000.00 TAC/Super
Senior
Class A-9
Component G 7.000% $16,941,000.00 TAC/Super
Senior
Class A-9
Component H 7.000% $ 0.00 Interest Only/
Super Senior
The Mortgage Loans have an aggregate Cut-off Date
Principal Balance equal to $424,466,573.98. The
Mortgage Loans are fixed rate mortgage loans having
terms to maturity at origination or modification of not
more than 30 years.
In consideration of the mutual agreements herein
contained, the Company, the Master Servicer and the
Trustee agree as follows:
ARTICLE I
DEFINITIONS
Section 1.01. Definitions.
Whenever used in this Agreement, the following
words and phrases, unless the context otherwise
requires, shall have the meanings specified in this
Article.
Accretion Termination Date: With respect to Class
A-9 Component D, the earlier to occur of (i) the
Distribution Date on which the Certificate Principal
Balance of the Class A-4 Certificates and the amount of
Class A-9 Component C have been reduced to zero and
(ii) the Credit Support Depletion Date.
Accrual Distribution Amount: As defined in
Section 4.02(e).
Accrued Certificate Interest: With respect to
each Distribution Date, as to any Class A Certificate
(other than the Class A-8 Certificates and Class A-9
Certificates), any Class M Certificate, any Class B
Certificate or any Class R Certificate, one month's
interest accrued at the related Pass-Through Rate on
the Certificate Principal Balance thereof immediately
prior to such Distribution Date. With respect to each
Distribution Date, as to the Class A-9 Certificates the
sum of (i) one month's interest accrued on the related
Notional Amounts of Class A-9 Component A, Class A-9
Component E and Class A-9 Component H at a rate of
7.000% per annum and (ii) one month's interest accrued
on the related amounts of Class A-9 Component B, Class
A-9 Component C, Class A-9 Component D, Class A-9
Component F and Class A-9 Component G at a rate of
7.000% per annum. Accrued Certificate Interest will be
calculated on the basis of a 360-day year consisting of
twelve 30-day months. In each case Accrued Certificate
Interest on any Class of Certificates will be reduced
by the amount of (i) Prepayment Interest Shortfalls (to
the extent not offset by the Master Servicer with a
payment of Compensating Interest as provided in Section
4.01), (ii) the interest portion (adjusted to the Net
Mortgage Rate) of Realized Losses (including Excess
Special Hazard Losses, Excess Fraud Losses, Excess
Bankruptcy Losses and Extraordinary Losses) not
allocated solely to one or more specific Classes of
Certificates pursuant to Section 4.05, (iii) the
interest portion of Advances previously made with
respect to a Mortgage Loan or REO Property which
remained unreimbursed following the Cash Liquidation or
REO Disposition of such Mortgage Loan or REO Property
that were made with respect to delinquencies that were
ultimately determined to be Excess Special Hazard
Losses, Excess Fraud Losses, Excess Bankruptcy Losses
or Extraordinary Losses and (iv) any other interest
shortfalls not covered by the subordination provided by
the Class M Certificates and Class B Certificates,
including interest that is not collectible from the
Mortgagor pursuant to the Soldiers' and Sailors' Civil
Relief Act of 1940, as amended, or similar legislation
or regulations as in effect from time to time, with all
such reductions allocated among all of the Certificates
and to the Excess Spread in proportion to their
respective amounts of Accrued Certificate Interest and
the amount of Excess Spread payable on such
Distribution Date which would have resulted absent such
reductions. With respect to the Class A-9 Certificates
on each Distribution Date that occurs prior to the
Class A-9 Accretion Termination Date, interest
shortfalls allocable to Class A-9 Component D on such
Distribution Date will be so allocated by reducing the
amount that is added to the Certificate Principal
Balance thereof in respect of Accrued Certificate
Interest pursuant to Section 4.02(e). In addition to
that portion of the reductions described in the second
preceding sentence that are allocated to any Class of
Class B Certificates or any Class of Class M
Certificates, Accrued Certificate Interest on such
Class of Class B Certificates or such Class of Class M
Certificates will be reduced by the interest portion
(adjusted to the Net Mortgage Rate) of Realized Losses
that are allocated solely to such Class of Class B
Certificates or such Class of Class M Certificates
pursuant to Section 4.05.
Adjusted Mortgage Rate: With respect to any
Mortgage Loan and any date of determination, the
Mortgage Rate borne by the related Mortgage Note, less
the rate at which the related Subservicing Fee accrues.
Advance: As to any Mortgage Loan, any advance
made by the Master Servicer, pursuant to Section 4.04.
Affiliate: With respect to any Person, any other
Person controlling, controlled by or under common
control with such first Person. For the purposes of
this definition, "control" means the power to direct
the management and policies of such Person, directly or
indirectly, whether through the ownership of voting
securities, by contract or otherwise; and the terms
"controlling" and "controlled" have meanings
correlative to the foregoing.
Agreement: This Pooling and Servicing Agreement
and all amendments hereof and supplements hereto.
Amount Held for Future Distribution: As to any
Distribution Date, the total of the amounts held in the
Custodial Account at the close of business on the
preceding Determination Date on account of (i)
Liquidation Proceeds, Insurance Proceeds, Principal
Prepayments, Mortgage Loan purchases made pursuant to
Section 2.02, 2.03 or 2.04 and Mortgage Loan
substitutions made pursuant to Section 2.03 or 2.04
received or made in the month of such Distribution Date
(other than such Liquidation Proceeds, Insurance
Proceeds and purchases of Mortgage Loans that the
Master Servicer has deemed to have been received in the
preceding month in accordance with Section 3.07(b)) and
(ii) payments which represent early receipt of
scheduled payments of principal and interest due on a
date or dates subsequent to the related Due Date.
Appraised Value: As to any Mortgaged Property,
the lesser of (i) the appraised value of such Mortgaged
Property based upon the appraisal made at the time of
the origination of the related Mortgage Loan, and (ii)
the sales price of the Mortgaged Property at such time
of origination, except in the case of a Mortgaged
Property securing a refinanced or modified Mortgage
Loan as to which it is either the appraised value
determined above or the appraised value determined in
an appraisal at the time of refinancing or
modification, as the case may be.
Assignment: An assignment of the Mortgage, notice
of transfer or equivalent instrument, in recordable
form, sufficient under the laws of the jurisdiction
wherein the related Mortgaged Property is located to
reflect of record the sale of the Mortgage Loan to the
Trustee for the benefit of Certificateholders, which
assignment, notice of transfer or equivalent instrument
may be in the form of one or more blanket assignments
covering Mortgages secured by Mortgaged Properties
located in the same county, if permitted by law and
accompanied by an Opinion of Counsel to that effect.
Assignment Agreement: The Assignment and
Assumption Agreement, dated March 28, 1996, between
Residential Funding and the Company relating to the
transfer and assignment of the Mortgage Loans.
Assignment of Proprietary Lease: With respect to
a Cooperative Loan, the assignment of the related
Cooperative Lease from the Mortgagor to the originator
of the Cooperative Loan.
Available Distribution Amount: As to any
Distribution Date, an amount equal to (a) the sum of
(i) the amount relating to the Mortgage Loans on
deposit in the Custodial Account as of the close of
business on the immediately preceding Determination
Date and amounts deposited in the Custodial Account in
connection with the substitution of Qualified
Substitute Mortgage Loans, (ii) the amount of any
Advance made on the immediately preceding Certificate
Account Deposit Date, (iii) any amount deposited in the
Custodial Account pursuant to Section 3.12(a) and (iv)
any amount deposited in the Certificate Account
pursuant to Section 4.07, reduced by (b) the sum as of
the close of business on the immediately preceding
Determination Date of (w) aggregate Foreclosure
Profits, (x) the Amount Held for Future Distribution,
and (y) amounts permitted to be withdrawn by the Master
Servicer from the Custodial Account in respect of the
Mortgage Loans pursuant to clauses (ii)-(x), inclusive,
of Section 3.10(a).
Bankruptcy Amount: As of any date of
determination prior to the first anniversary of the
Cut-off Date, an amount equal to the excess, if any, of
(A) $170,019 over (B) the aggregate amount of
Bankruptcy Losses allocated solely to one or more
specific Classes of Certificates in accordance with
Section 4.05. As of any date of determination on or
after the first anniversary of the Cut-off Date, an
amount equal to the excess, if any, of (1) the lesser
of (a) the Bankruptcy Amount calculated as of the close
of business on the Business Day immediately preceding
the most recent anniversary of the Cut-off Date
coinciding with or preceding such date of determination
(or, if such date of determination is an anniversary of
the Cut-off Date, the Business Day immediately
preceding such date of determination) (for purposes of
this definition, the "Relevant Anniversary") and (b)
the greater of
(A) the greater of (i) 0.0006 times the
aggregate principal balance of all the Mortgage
Loans in the Mortgage Pool as of the Relevant
Anniversary having a Loan-to-Value Ratio at
origination which exceeds 75% and (ii) $100,000;
and (B) the greater of (i) the product of (x) an
amount equal to the largest difference in the
related Monthly Payment for any Non-Primary
Residence Loan remaining in the Mortgage Pool
which had an original Loan-to-Value Ratio of 80%
or greater that would result if the Net Mortgage
Rate thereof was equal to the weighted average
(based on the principal balance of the Mortgage
Loans as of the Relevant Anniversary) of the Net
Mortgage Rates of all Mortgage Loans as of the
Relevant Anniversary less 1.25% per annum, (y) a
number equal to the weighted average remaining
term to maturity, in months, of all Non-Primary
Residence Loans remaining in the Mortgage Pool as
of the Relevant Anniversary, and (z) one plus the
quotient of the number of all Non-Primary
Residence Loans remaining in the Mortgage Pool
divided by the total number of Outstanding
Mortgage Loans in the Mortgage Pool as of the
Relevant Anniversary, and (ii) $50,000,
over (2) the aggregate amount of Bankruptcy Losses
allocated solely to one or more specific Classes of
Certificates in accordance with Section 4.05 since the
Relevant Anniversary.
The Bankruptcy Amount may be further reduced by
the Master Servicer (including accelerating the manner
in which such coverage is reduced) provided that prior
to any such reduction, the Master Servicer shall (i)
obtain written confirmation from each Rating Agency
that such reduction shall not reduce the rating
assigned to any Class of Certificates by such Rating
Agency below the lower of the then-current rating or
the rating assigned to such Certificates as of the
Closing Date by such Rating Agency and (ii) provide a
copy of such written confirmation to the Trustee.
Bankruptcy Code: The Bankruptcy Code of 1978, as
amended.
Bankruptcy Loss: With respect to any Mortgage
Loan, a Deficient Valuation or Debt Service Reduction;
provided, however, that neither a Deficient Valuation
nor a Debt Service Reduction shall be deemed a
Bankruptcy Loss hereunder so long as the Master
Servicer has notified the Trustee in writing that the
Master Servicer is diligently pursuing any remedies
that may exist in connection with the representations
and warranties made regarding the related Mortgage Loan
and either (A) the related Mortgage Loan is not in
default with regard to payments due thereunder or (B)
delinquent payments of principal and interest under the
related Mortgage Loan and any premiums on any
applicable primary hazard insurance policy and any
related escrow payments in respect of such Mortgage
Loan are being advanced on a current basis by the
Master Servicer or a Subservicer, in either case
without giving effect to any Debt Service Reduction.
Book-Entry Certificate: Any Certificate
registered in the name of the Depository or its
nominee.
Business Day: Any day other than (i) a Saturday
or a Sunday or (ii) a day on which banking institutions
in the State of New York, the State of Michigan, the
State of California or the State of Illinois (and such
other state or states in which the Custodial Account or
the Certificate Account are at the time located) are
required or authorized by law or executive order to be
closed.
Buydown Funds: Any amount contributed by the
seller of a Mortgaged Property, the Company or other
source in order to enable the Mortgagor to reduce the
payments required to be made from the Mortgagor's funds
in the early years of a Mortgage Loan. Buydown Funds
are not part of the Trust Fund prior to deposit into
the Custodial or Certificate Account.
Buydown Mortgage Loan: Any Mortgage Loan as to
which a specified amount of interest is paid out of
related Buydown Funds in accordance with a related
buydown agreement.
Cash Liquidation: As to any defaulted Mortgage
Loan other than a Mortgage Loan as to which an REO
Acquisition occurred, a determination by the Master
Servicer that it has received all Insurance Proceeds,
Liquidation Proceeds and other payments or cash
recoveries which the Master Servicer reasonably and in
good faith expects to be finally recoverable with
respect to such Mortgage Loan.
Certificate: Any Class A Certificate, Class M
Certificate, Class B Certificate or Class R
Certificate.
Certificate Account: The separate account or
accounts created and maintained pursuant to Section
4.01, which shall be entitled "The First National Bank
of Chicago, as trustee, in trust for the registered
holders of Residential Funding Mortgage Securities I,
Inc., Mortgage Pass-Through Certificates and the Owner
of the Excess Spread, Series 1996-S6" and which must be
an Eligible Account.
Certificate Account Deposit Date: As to any
Distribution Date, the Business Day prior thereto.
Certificateholder or Holder: The Person in whose
name a Certificate is registered in the Certificate
Register, except that neither a Disqualified
Organization nor a Non-United States Person shall be a
holder of a Class R-I Certificate or Class R-II
Certificate for purposes hereof and, solely for the
purpose of giving any consent or direction pursuant to
this Agreement, any Certificate, other than a Class R-I
Certificate or Class R-II Certificate, registered in
the name of the Company, the Master Servicer or any
Subservicer or any Affiliate thereof shall be deemed
not to be outstanding and the Percentage Interest or
Voting Rights evidenced thereby shall not be taken into
account in determining whether the requisite amount of
Percentage Interests or Voting Rights necessary to
effect any such consent or direction has been obtained.
All references herein to "Holders" or
"Certificateholders" shall reflect the rights of
Certificate Owners as they may indirectly exercise such
rights through the Depository and participating members
thereof, except as otherwise specified herein;
provided, however, that the Trustee shall be required
to recognize as a "Holder" or "Certificateholder" only
the Person in whose name a Certificate is registered in
the Certificate Register.
Certificate Owner: With respect to a Book-Entry
Certificate, the Person who is the beneficial owner of
such Certificate, as reflected on the books of an
indirect participating brokerage firm for which a
Depository Participant acts as agent, if any, and
otherwise on the books of a Depository Participant, if
any, and otherwise on the books of the Depository.
Certificate Principal Balance: With respect to
each Class A Certificate and Class R Certificate, on
any date of determination, an amount equal to (i) the
Initial Certificate Principal Balance of such
Certificate as specified on the face thereof, plus (ii)
in the case of each Class A-9 Certificate, an amount
equal to the aggregate Accrued Certificate Interest
added to the amount of Class A-9 Component D on each
Distribution Date on or prior to the Accretion
Termination Date pursuant to Section 4.02(e), minus
(iii) the sum of (x) the aggregate of all amounts
previously distributed with respect to such Certificate
(or any predecessor Certificate) and applied to reduce
the Certificate Principal Balance or amount thereof
pursuant to Section 4.02(a) and (y) the aggregate of
all reductions in Certificate Principal Balance deemed
to have occurred in connection with Realized Losses
which were previously allocated to such Certificate (or
any predecessor Certificate) pursuant to Section 4.05.
With respect to each Class M Certificate, on any date
of determination, an amount equal to (i) the Initial
Certificate Principal Balance of such Class M
Certificate as specified on the face thereof, minus
(ii) the sum of (x) the aggregate of all amounts
previously distributed with respect to such Certificate
(or any predecessor Certificate) and applied to reduce
the Certificate Principal Balance thereof pursuant to
Section 4.02(a) and (y) the aggregate of all reductions
in Certificate Principal Balance deemed to have
occurred in connection with Realized Losses which were
previously allocated to such Certificate (or any
predecessor Certificate) pursuant to Section 4.05;
provided, that if the Certificate Principal Balances of
the Class B Certificates have been reduced to zero, the
Certificate Principal Balance of each Class M
Certificate of those Class M Certificates outstanding
with the highest numerical designation at any given
time shall thereafter be calculated to equal the
Percentage Interest evidenced by such Certificate times
the excess, if any, of (A) the then aggregate Stated
Principal Balance of the Mortgage Loans over (B) the
then aggregate Certificate Principal Balance of all
other Classes of Certificates then outstanding. With
respect to each Class B Certificate, on any date of
determination, an amount equal to (i) the Initial
Certificate Principal Balance of such Class B
Certificate as specified on the face thereof, minus
(ii) the sum of (x) the aggregate of all amounts
previously distributed with respect to such Certificate
(or any predecessor Certificate) and applied to reduce
the Certificate Principal Balance thereof pursuant to
Section 4.02(a) and (y) the aggregate of all reductions
in Certificate Principal Balance deemed to have
occurred in connection with Realized Losses which were
previously allocated to such Certificate (or any
predecessor Certificate) pursuant to Section 4.05;
provided, that the Certificate Principal Balance of
each Class B Certificate of those Class B Certificates
outstanding with the highest numerical designation at
any given time shall be calculated to equal the
Percentage Interest evidenced by such Certificate times
the excess, if any, of (A) the then aggregate Stated
Principal Balance of the Mortgage Loans over (B) the
then aggregate Certificate Principal Balance of all
other Classes of Certificates then outstanding.
Certificate Register and Certificate Registrar:
The register maintained and the registrar appointed
pursuant to Section 5.02.
Class: Collectively, all of the Certificates
bearing the same designation.
Class A Certificate: Any one of the Class A-1,
Class A-2, Class A-3, Class A-4, Class A-5, Class A-6,
Class A-7, Class A-8, Class A-9, Class A-10,
Class A-11, Class A-12 or Class A-13 Certificates,
executed by the Trustee and authenticated by the
Certificate Registrar substantially in the form annexed
hereto as Exhibit A, each such Certificate (other than
the Class A-9 Certificates) evidencing an interest
designated as a "regular interest" in REMIC II for
purposes of the REMIC Provisions.
Class A-9 Component A: With respect to the Class
A-9 Certificates, the Component A thereof having a
Notional Amount as set forth in this Agreement and
entitled to distributions of interest (but not
principal) to the extent set forth in this Agreement,
being an uncertificated interest representing an
interest designated as a "regular interest" in REMIC II
for purposes of the REMIC Provisions.
Class A-9 Component B: With respect to the Class
A-9 Certificates, the Component B thereof having, on
any date of determination, an amount equal to
$17,744,000 minus (ii) the sum of (x) the aggregate of
all amounts previously distributed with respect to the
Class A-9 Certificates and applied to reduce Class A-9
Component B pursuant to Section 4.02(b), and (y) the
aggregate of all reductions in Class A-9 Component B
deemed to have occurred in connection with Realized
Losses which were previously allocated to Class A-9
Component B pursuant to Section 4.05, being an
uncertificated interest representing an interest
designated as a "regular interest" in REMIC II for
purposes of the REMIC Provisions.
Class A-9 Component C: With respect to the Class
A-9 Certificates, the Component C thereof having, on
any date of determination, an amount equal to
$5,665,000 minus (ii) the sum of (x) the aggregate of
all amounts previously distributed with respect to the
Class A-9 Certificates and applied to reduce Class A-9
Component C pursuant to Section 4.02(b), and (y) the
aggregate of all reductions in Class A-9 Component C
deemed to have occurred in connection with Realized
Losses which were previously allocated to Class A-9
Component C pursuant to Section 4.05, being an
uncertificated interest representing an interest
designated as a "regular interest" in REMIC II for
purposes of the REMIC Provisions.
Class A-9 Component D: With respect to the Class
A-9 Certificates, the Component D thereof having, on
any date of determination, an amount equal to
$15,000,000, plus (ii) an amount equal to the aggregate
Accrued Certificate Interest added to the amount of
Class A-9 Component D on each Distribution Date on or
prior to the Class A-9 Accretion Termination Date
pursuant to Section 4.02(e), minus (iii) the sum of (x)
the aggregate of all amounts previously distributed
with respect to the Class A-9 Certificates and applied
to reduce Class A-9 Component D pursuant to Section
4.02(b), and (y) the aggregate of all reductions in
Class A-9 Component D deemed to have occurred in
connection with Realized Losses which were previously
allocated to Class A-9 Component D pursuant to Section
4.05, being an uncertificated interest representing an
interest designated as a "regular interest" in REMIC II
for purposes of the REMIC Provisions.
Class A-9 Component E: With respect to the Class
A-9 Certificates, the Component E thereof having a
Notional Amount as set forth in this Agreement and
entitled to distributions of interest (but not
principal) to the extent set forth in this Agreement,
being an uncertificated interest representing an
interest designated as a "regular interest" in REMIC II
for purposes of the REMIC Provisions.
Class A-9 Component F: With respect to the Class
A-9 Certificates, the Component F thereof having, on
any date of determination, an amount equal to
$12,159,000 minus (ii) the sum of (x) the aggregate of
all amounts previously distributed with respect to the
Class A-9 Certificates and applied to reduce Class A-9
Component F pursuant to Section 4.02(b), and (y) the
aggregate of all reductions in Class A-9 Component F
deemed to have occurred in connection with Realized
Losses which were previously allocated to Class A-9
Component F pursuant to Section 4.05, being an
uncertificated interest representing an interest
designated as a "regular interest" in REMIC II for
purposes of the REMIC Provisions.
Class A-9 Component G: With respect to the Class
A-9 Certificates, the Component G thereof having, on
any date of determination, an amount equal to
$16,941,000 minus (ii) the sum of (x) the aggregate of
all amounts previously distributed with respect to the
Class A-9 Certificates and applied to reduce Class A-9
Component G pursuant to Section 4.02(b), and (y) the
aggregate of all reductions in Class A-9 Component G
deemed to have occurred in connection with Realized
Losses which were previously allocated to Class A-9
Component G pursuant to Section 4.05, being an
uncertificated interest representing an interest
designated as a "regular interest" in REMIC II for
purposes of the REMIC Provisions.
Class A-9 Component H: With respect to the Class
A-9 Certificates, the Component H thereof having a
Notional Amount as set forth in this Agreement and
entitled to distributions of interest (but not
principal) to the extent set forth in this Agreement,
being an uncertificated interest representing an
interest designated as a "regular interest" in REMIC II
for purposes of the REMIC Provisions.
Class B Certificate: Any one of the Class B-1
Certificates, Class B-2 Certificates or Class B-3
Certificates executed by the Trustee and authenticated
by the Certificate Registrar substantially in the form
annexed hereto as Exhibit C and evidencing an interest
designated as a "regular interest" in REMIC II for
purposes of the REMIC Provisions.
Class B Percentage: The Class B-1 Percentage,
Class B-2 Percentage and Class B-3 Percentage.
Class B-1 Percentage: With respect to any
Distribution Date, a fraction, expressed as a
percentage, the numerator of which is the aggregate
Certificate Principal Balance of the Class B-1
Certificates immediately prior to such date and the
denominator of which is the aggregate Stated Principal
Balance of all of the Mortgage Loans (or related REO
Properties) immediately prior to such Distribution
Date.
Class B-1 Prepayment Distribution Trigger: With
respect to any Distribution Date, a test that shall be
satisfied if the fraction (expressed as a percentage)
equal to the sum of the Certificate Principal Balances
of the Class B-1 Certificates, Class B-2 Certificates
and Class B-3 Certificates immediately prior to such
Distribution Date divided by the aggregate Stated
Principal Balance of all of the Mortgage Loans (or
related REO Properties) immediately prior to such
Distribution Date is greater than or equal to 1.15%.
Class B-2 Percentage: With respect to any
Distribution Date, a fraction, expressed as a
percentage, the numerator of which is the aggregate
Certificate Principal Balance of the Class B-2
Certificates immediately prior to such date and the
denominator of which is the aggregate Stated Principal
Balance of all of the Mortgage Loans (or related REO
Properties) immediately prior to such Distribution
Date.
Class B-2 Prepayment Distribution Trigger: With
respect to any Distribution Date, a test that shall be
satisfied if the fraction (expressed as a percentage)
equal to the sum of the Certificate Principal Balances
of the Class B-2 Certificates and Class B-3
Certificates immediately prior to such Distribution
Date divided by the aggregate Stated Principal Balance
of all of the Mortgage Loans (or related REO
Properties) immediately prior to such Distribution Date
is greater than or equal to 0.60%.
Class B-3 Percentage: With respect to any
Distribution Date, a fraction expressed as a
percentage, the numerator of which is the aggregate
Certificate Principal Balance of the Class B-3
Certificates immediately prior to such date and the
denominator of which is the aggregate Stated Principal
Balance of all the Mortgage Loans (or related REO
Properties) immediately prior to such Distribution
Date.
Class B-3 Prepayment Distribution Trigger: With
respect to any Distribution Date, a test that shall be
satisfied if the fraction (expressed as a percentage)
equal to the sum of the Certificate Principal Balances
of the Class B-3 Certificates immediately prior to such
Distribution Date divided by the aggregate Stated
Principal Balance of all of the Mortgage Loans (or
related REO Properties) immediately prior to such
Distribution Date is greater than or equal to 0.40%.
Class M Certificate: Any one of the Class M-1
Certificates, Class M-2 Certificates or Class M-3
Certificates executed by the Trustee and authenticated
by the Certificate Registrar substantially in the form
annexed hereto as Exhibit B and evidencing an interest
designated as a "regular interest" in REMIC II for
purposes of the REMIC Provisions.
Class M Percentage: The Class M-1 Percentage,
Class M-2 Percentage and Class M-3 Percentage.
Class M-1 Percentage: With respect to any
Distribution Date, a fraction, expressed as a
percentage, the numerator of which is the aggregate
Certificate Principal Balance of the Class M-1
Certificates immediately prior to such date and the
denominator of which is the aggregate Stated Principal
Balance of all of the Mortgage Loans (or related REO
Properties) immediately prior to such Distribution
Date.
Class M-2 Percentage: With respect to any
Distribution Date, a fraction, expressed as a
percentage, the numerator of which is the aggregate
Certificate Principal Balance of the Class M-2
Certificates immediately prior to such date and the
denominator of which is the aggregate Stated Principal
Balance of all of the Mortgage Loans (or related REO
Properties) immediately prior to such Distribution
Date.
Class M-2 Prepayment Distribution Trigger: With
respect to any Distribution Date, a test that shall be
satisfied if the fraction (expressed as a percentage)
equal to the sum of the Certificate Principal Balances
of the Class M-2 Certificates, Class M-3 Certificates,
Class B-1 Certificates, Class B-2 Certificates and
Class B-3 Certificates immediately prior to such
Distribution Date divided by the aggregate Stated
Principal Balance of all of the Mortgage Loans (or
related REO Properties) immediately prior to such
Distribution Date is greater than or equal to 3.50%.
Class M-3 Percentage: With respect to any
Distribution Date, a fraction, expressed as a
percentage, the numerator of which is the aggregate
Certificate Principal Balance of the Class M-3
Certificates immediately prior to such date and the
denominator of which is the aggregate Stated Principal
Balance of all of the Mortgage Loans (or related REO
Properties) immediately prior to such Distribution
Date.
Class M-3 Prepayment Distribution Trigger: With
respect to any Distribution Date, a test that shall be
satisfied if the fraction (expressed as a percentage)
equal to the sum of the Certificate Principal Balances
of the Class M-3 Certificates, Class B-1 Certificates,
Class B-2 Certificates and Class B-3 Certificates
immediately prior to such Distribution Date divided by
the aggregate Stated Principal Balance of all of the
Mortgage Loans (or related REO Properties) immediately
prior to such Distribution Date is greater than or
equal to 2.25%.
Class R Certificate: Any one of the Class R-I
Certificates or Class R-II Certificates.
Class R-I Certificate: Any one of the Class R-I
Certificates executed by the Trustee and authenticated
by the Certificate Registrar substantially in the form
annexed hereto as Exhibit D and evidencing an interest
designated as a "residual interest" in REMIC I for
purposes of the REMIC Provisions.
Class R-II Certificate: Any one of the Class R-II
Certificates executed by the Trustee and authenticated
by the Certificate Registrar substantially in the form
annexed hereto as Exhibit D and evidencing an interest
designated as a "residual interest" in REMIC II for
purposes of the REMIC Provisions.
Closing Date: March 28, 1996.
Code: The Internal Revenue Code of 1986.
Compensating Interest: With respect to any
Distribution Date, an amount equal to Prepayment
Interest Shortfalls resulting from Principal
Prepayments in Full during the related Prepayment
Period, but not more than the lesser of (a) one-twelfth
of 0.125% of the Stated Principal Balance of the
Mortgage Loans immediately preceding such Distribution
Date and (b) the sum of the Servicing Fee, all income
and gain on amounts held in the Custodial Account and
the Certificate Account and payable to the
Certificateholders with respect to such Distribution
Date and servicing compensation to which the Master
Servicer may be entitled pursuant to Section 3.10(a)(v)
and (vi); provided that for purposes of this definition
the amount of the Servicing Fee will not be reduced
pursuant to Section 7.02 except as may be required
pursuant to the last sentence of such Section.
Component: Any of Class A-9 Component A, Class
A-9 Component B, Class A-9 Component C, Class A-9
Component D, Class A-9 Component E, Class A-9 Component
F, Class A-9 Component G and Class A-9 Component H.
Cooperative: A private, cooperative housing
corporation organized under the laws of, and
headquartered in, the State of New York which owns or
leases land and all or part of a building or buildings
located in the State of New York, including apartments,
spaces used for commercial purposes and common areas
therein and whose board of directors authorizes, among
other things, the sale of Cooperative Stock.
Cooperative Apartment: A dwelling unit in a
multi-dwelling building owned or leased by a
Cooperative, which unit the Mortgagor has an exclusive
right to occupy pursuant to the terms of a proprietary
lease or occupancy agreement.
Cooperative Lease: With respect to a Cooperative
Loan, the proprietary lease or occupancy agreement with
respect to the Cooperative Apartment occupied by the
Mortgagor and relating to the related Cooperative
Stock, which lease or agreement confers an exclusive
right to the holder of such Cooperative Stock to occupy
such apartment.
Cooperative Loans: Any of the Mortgage Loans made
in respect of a Cooperative Apartment, evidenced by a
Mortgage Note and secured by (i) a Security Agreement,
(ii) the related Cooperative Stock Certificate, (iii)
an assignment of the Cooperative Lease, (iv) financing
statements and (v) a stock power (or other similar
instrument), and ancillary thereto, a recognition
agreement between the Cooperative and the originator of
the Cooperative Loan, each of which was transferred and
assigned to the Trustee pursuant to Section 2.01 and
are from time to time held as part of the Trust Fund.
Cooperative Stock: With respect to a Cooperative
Loan, the single outstanding class of stock,
partnership interest or other ownership instrument in
the related Cooperative.
Cooperative Stock Certificate: With respect to a
Cooperative Loan, the stock certificate or other
instrument evidencing the related Cooperative Stock.
Corporate Trust Office: The principal office of
the Trustee at which at any particular time its
corporate trust business with respect to this Agreement
shall be administered, which office at the date of the
execution of this instrument is located at One North
State Street, Chicago, Illinois 60602, Attention:
Residential Funding Corporation Series 1996-S6.
Credit Support Depletion Date: The first
Distribution Date on which the Senior Percentage equals
100%.
Curtailment: Any Principal Prepayment made by a
Mortgagor which is not a Principal Prepayment in Full.
Custodial Account: The custodial account or
accounts created and maintained pursuant to Section
3.07 in the name of a depository institution, as
custodian for the holders of the Certificates, for the
holders of certain other interests in mortgage loans
serviced or sold by the Master Servicer and for the
Master Servicer, into which the amounts set forth in
Section 3.07 shall be deposited directly. Any such
account or accounts shall be an Eligible Account.
Custodial Agreement: An agreement that may be
entered into among the Company, the Master Servicer,
the Trustee and a Custodian in substantially the form
of Exhibit E hereto.
Custodian: A custodian appointed pursuant to a
Custodial Agreement.
Cut-off Date: March 1, 1996.
Cut-off Date Principal Balance: As to any
Mortgage Loan, the unpaid principal balance thereof at
the Cut-off Date after giving effect to all
installments of principal due on or prior thereto,
whether or not received.
Debt Service Reduction: With respect to any
Mortgage Loan, a reduction in the scheduled Monthly
Payment for such Mortgage Loan by a court of competent
jurisdiction in a proceeding under the Bankruptcy Code,
except such a reduction constituting a Deficient
Valuation or any reduction that results in a permanent
forgiveness of principal.
Deficient Valuation: With respect to any Mortgage
Loan, a valuation by a court of competent jurisdiction
of the Mortgaged Property in an amount less than the
then outstanding indebtedness under the Mortgage Loan,
or any reduction in the amount of principal to be paid
in connection with any scheduled Monthly Payment that
constitutes a permanent forgiveness of principal, which
valuation or reduction results from a proceeding under
the Bankruptcy Code.
Definitive Certificate: Any definitive, fully
registered Certificate.
Deleted Mortgage Loan: A Mortgage Loan replaced
or to be replaced with a Qualified Substitute Mortgage
Loan.
Depository: The Depository Trust Company, or any
successor Depository hereafter named. The nominee of
the initial Depository for purposes of registering
those Certificates that are to be Book-Entry
Certificates is Cede & Co. The Depository shall at all
times be a "clearing corporation" as defined in Section
8-102(3) of the Uniform Commercial Code of the State of
New York and a "clearing agency" registered pursuant to
the provisions of Section 17A of the Securities
Exchange Act of 1934, as amended.
Depository Participant: A broker, dealer, bank or
other financial institution or other Person for whom
from time to time a Depository effects book-entry
transfers and pledges of securities deposited with the
Depository.
Destroyed Mortgage Note: A Mortgage Note the
original of which was permanently lost or destroyed and
has not been replaced.
Determination Date: With respect to any
Distribution Date, the 20th day (or if such 20th day is
not a Business Day, the Business Day immediately
following such 20th day) of the month of the related
Distribution Date.
Disqualified Organization: Any organization
defined as a "disqualified organization" under Section
860E(e)(5) of the Code, which includes any of the
following: (i) the United States, any State or
political subdivision thereof, any possession of the
United States, or any agency or instrumentality of any
of the foregoing (other than an instrumentality which
is a corporation if all of its activities are subject
to tax and, except for the FHLMC, a majority of its
board of directors is not selected by such governmental
unit), (ii) a foreign government, any international
organization, or any agency or instrumentality of any
of the foregoing, (iii) any organization (other than
certain farmers' cooperatives described in Section 521
of the Code) which is exempt from the tax imposed by
Chapter 1 of the Code (including the tax imposed by
Section 511 of the Code on unrelated business taxable
income), (iv) rural electric and telephone cooperatives
described in Section 1381(a)(2)(C) of the Code and (v)
any other Person so designated by the Trustee based
upon an Opinion of Counsel that the holding of an
Ownership Interest in a Class R Certificate by such
Person may cause REMIC I or REMIC II or any Person
having an Ownership Interest in any Class of
Certificates (other than such Person) to incur a
liability for any federal tax imposed under the Code
that would not otherwise be imposed but for the
Transfer of an Ownership Interest in a Class R
Certificate to such Person. The terms "United States",
"State" and "international organization" shall have the
meanings set forth in Section 7701 of the Code or
successor provisions.
Distribution Date: The 25th day of any month
beginning in the month immediately following the month
of the initial issuance of the Certificates or, if such
25th day is not a Business Day, the Business Day
immediately following such 25th day.
Due Date: With respect to any Distribution Date,
the first day of the month in which such Distribution
Date occurs.
Due Period: With respect to any Distribution
Date, the period commencing on the second day of the
month preceding the month of such Distribution Date and
ending on the related Due Date.
Eligible Account: An account that is any of the
following: (i) maintained with a depository institution
the debt obligations of which have been rated by each
Rating Agency in its highest rating available, or (ii)
an account or accounts in a depository institution in
which such accounts are fully insured to the limits
established by the FDIC, provided that any deposits not
so insured shall, to the extent acceptable to each
Rating Agency, as evidenced in writing, be maintained
such that (as evidenced by an Opinion of Counsel
delivered to the Trustee and each Rating Agency) the
registered Holders of Certificates have a claim with
respect to the funds in such account or a perfected
first security interest against any collateral (which
shall be limited to Permitted Investments) securing
such funds that is superior to claims of any other
depositors or creditors of the depository institution
with which such account is maintained, or (iii) in the
case of the Custodial Account, either (A) a trust
account or accounts maintained in the corporate trust
department of The First National Bank of Chicago or (B)
an account or accounts maintained in the corporate
asset services department of The First National Bank of
Chicago, as long as its short term debt obligations are
rated P-1 (or the equivalent) or better by each Rating
Agency and its long term debt obligations are rated A2
(or the equivalent) or better, by each Rating Agency,
or (iv) in the case of the Certificate Account, a trust
account or accounts maintained in the corporate trust
division of The First National Bank of Chicago, or (v)
an account or accounts of a depository institution
acceptable to each Rating Agency (as evidenced in
writing by each Rating Agency that use of any such
account as the Custodial Account or the Certificate
Account will not reduce the rating assigned to any
Class of Certificates by such Rating Agency below the
lower of the then-current rating or the rating assigned
to such Certificates as of the Closing Date by such
Rating Agency).
Event of Default: As defined in Section 7.01.
Excess Bankruptcy Loss: Any Bankruptcy Loss, or
portion thereof, which exceeds the then applicable
Bankruptcy Amount.
Excess Fraud Loss: Any Fraud Loss, or portion
thereof, which exceeds the then applicable Fraud Loss
Amount.
Excess Special Hazard Loss: Any Special Hazard
Loss, or portion thereof, that exceeds the then
applicable Special Hazard Amount.
Excess Spread: With respect to any Distribution
Date, the aggregate of one month's interest on the
Stated Principal Balance of each Mortgage Loan at the
applicable Spread Rate, calculated on the basis of a
360-day year consisting of twelve 30-day months and
evidencing an interest designated as a "regular
interest" in REMIC II for purposes of the REMIC
Provisions. Excess Spread on any Distribution Date
will be reduced by the interest shortfalls described in
clauses (i) through (iv) of the fourth sentence of the
definition of Accrued Certificate Interest, to the
extent allocated thereto pursuant to the provisions of
such definition.
Excess Subordinate Principal Amount: With respect
to any Distribution Date on which the Certificate
Principal Balance of the most subordinate class or
classes of Certificates (as established in Section 4.05
hereof) then outstanding is to be reduced to zero and
on which Realized Losses are to be allocated to such
class or classes, the excess, if any, of (i) the amount
that would otherwise be distributable in respect of
principal on such class or classes of Certificates on
such Distribution Date over (ii) the excess, if any, of
the Certificate Principal Balance of such class or
classes of Certificates immediately prior to such
Distribution Date over the aggregate amount of Realized
Losses to be allocated to such classes of Certificates
on such Distribution Date.
Extraordinary Events: Any of the following
conditions with respect to a Mortgaged Property or
Mortgage Loan causing or resulting in a loss which
causes the liquidation of such Mortgage Loan:
(a) losses that are of the type that would
be covered by the fidelity bond and the errors and
omissions insurance policy required to be
maintained pursuant to Section 3.12(b) but are in
excess of the coverage maintained thereunder;
(b) nuclear reaction or nuclear radiation
or radioactive contamination, all whether
controlled or uncontrolled, and whether such loss
be direct or indirect, proximate or remote or be
in whole or in part caused by, contributed to or
aggravated by a peril covered by the definition of
the term "Special Hazard Loss";
(c) hostile or warlike action in time of
peace or war, including action in hindering,
combatting or defending against an actual,
impending or expected attack:
1. by any government or sovereign
power, de jure or de facto, or by any
authority maintaining or using military,
naval or air forces; or
2. by military, naval or air forces;
or
3. by an agent of any such
government, power, authority or forces;
(d) any weapon of war employing atomic
fission or radioactive force whether in time of
peace or war; or
(e) insurrection, rebellion, revolution,
civil war, usurped power or action taken by
governmental authority in hindering, combatting or
defending against such an occurrence, seizure or
destruction under quarantine or customs
regulations, confiscation by order of any
government or public authority; or risks of
contraband or illegal transportation or trade.
Extraordinary Losses: Any loss incurred on a
Mortgage Loan caused by or resulting from an
Extraordinary Event.
FDIC: Federal Deposit Insurance Corporation or
any successor thereto.
FHLMC: Federal Home Loan Mortgage Corporation, a
corporate instrumentality of the United States created
and existing under Title III of the Emergency Home
Finance Act of 1970, as amended, or any successor
thereto.
Final Distribution Date: The Distribution Date on
which the final distribution in respect of the
Certificates will be made pursuant to Section 9.01
which Final Distribution Date shall in no event be
later than the end of the 90-day liquidation period
described in Section 9.03.
Fitch: Fitch Investors Service, L.P. or its
successor in interest.
FNMA: Federal National Mortgage Association, a
federally chartered and privately owned corporation
organized and existing under the Federal National
Mortgage Association Charter Act, or any successor
thereto.
Foreclosure Profits: As to any Distribution Date
or related Determination Date and any Mortgage Loan,
the excess, if any, of Liquidation Proceeds, Insurance
Proceeds and REO Proceeds (net of all amounts
reimbursable therefrom pursuant to Section 3.10(a)(ii))
in respect of each Mortgage Loan or REO Property for
which a Cash Liquidation or REO Disposition occurred in
the related Prepayment Period over the sum of the
unpaid principal balance of such Mortgage Loan or REO
Property (determined, in the case of an REO
Disposition, in accordance with Section 3.14) plus
accrued and unpaid interest at the Mortgage Rate on
such unpaid principal balance from the Due Date to
which interest was last paid by the Mortgagor to the
first day of the month following the month in which
such Cash Liquidation or REO Disposition occurred.
Fraud Loss Amount: As of any date of
determination after the Cut-off Date, an amount equal
to: (Y) prior to the first anniversary of the Cut-off
Date an amount equal to 2.00% of the aggregate
outstanding principal balance of all of the Mortgage
Loans as of the Cut-off Date minus the aggregate amount
of Fraud Losses allocated solely to one or more
specific Classes of Certificates in accordance with
Section 4.05 since the Cut-off Date up to such date of
determination and (Z) from the first to the fifth
anniversary of the Cut-off Date, an amount equal to (1)
the lesser of (a) the Fraud Loss Amount as of the most
recent anniversary of the Cut-off Date and (b) 1.00% of
the aggregate outstanding principal balance of all of
the Mortgage Loans as of the most recent anniversary of
the Cut-off Date minus (2) the Fraud Losses allocated
solely to one or more specific Classes of Certificates
in accordance with Section 4.05 since the most recent
anniversary of the Cut-off Date up to such date of
determination. On and after the fifth anniversary of
the Cut-off Date the Fraud Loss Amount shall be zero.
The Fraud Loss Amount may be further reduced by
the Master Servicer (including accelerating the manner
in which such coverage is reduced) provided that prior
to any such reduction, the Master Servicer shall (i)
obtain written confirmation from each Rating Agency
that such reduction shall not reduce the rating
assigned to any Class of Certificates by such Rating
Agency below the lower of the then-current rating or
the rating assigned to such Certificates as of the
Closing Date by such Rating Agency and (ii) provide a
copy of such written confirmation to the Trustee.
Fraud Losses: Losses on Mortgage Loans as to
which there was fraud in the origination of such
Mortgage Loan.
Independent: When used with respect to any
specified Person, means such a Person who (i) is in
fact independent of the Company, the Master Servicer
and the Trustee, or any Affiliate thereof, (ii) does
not have any direct financial interest or any material
indirect financial interest in the Company, the Master
Servicer or the Trustee or in an Affiliate thereof, and
(iii) is not connected with the Company, the Master
Servicer or the Trustee as an officer, employee,
promoter, underwriter, trustee, partner, director or
person performing similar functions.
Initial Certificate Principal Balance: With
respect to each Class of Certificates, the Certificate
Principal Balance of such Class of Certificates as of
the Cut-off Date as set forth in the Preliminary
Statement hereto.
Initial Monthly Payment Fund: As defined in
Section 2.01(f).
Insurance Proceeds: Proceeds paid in respect of
the Mortgage Loans pursuant to any Primary Insurance
Policy or any other related insurance policy covering a
Mortgage Loan, to the extent such proceeds are payable
to the mortgagee under the Mortgage, any Subservicer,
the Master Servicer or the Trustee and are not applied
to the restoration of the related Mortgaged Property or
released to the Mortgagor in accordance with the
procedures that the Master Servicer would follow in
servicing mortgage loans held for its own account.
Insurer: Any named insurer under any Primary
Insurance Policy or any successor thereto or the named
insurer in any replacement policy.
Late Collections: With respect to any Mortgage
Loan, all amounts received during any Due Period,
whether as late payments of Monthly Payments or as
Insurance Proceeds, Liquidation Proceeds or otherwise,
which represent late payments or collections of Monthly
Payments due but delinquent for a previous Due Period
and not previously recovered.
Liquidation Proceeds: Amounts (other than
Insurance Proceeds) received by the Master Servicer in
connection with the taking of an entire Mortgaged
Property by exercise of the power of eminent domain or
condemnation or in connection with the liquidation of a
defaulted Mortgage Loan through trustee's sale,
foreclosure sale or otherwise, other than REO Proceeds.
Loan-to-Value Ratio: As of any date, the
fraction, expressed as a percentage, the numerator of
which is the current principal balance of the related
Mortgage Loan at the date of determination and the
denominator of which is the Appraised Value of the
related Mortgaged Property.
Maturity Date: The latest possible maturity date,
solely for purposes of Section 1.860G-1(a)(4)(iii) of
the Treasury regulations, by which the Certificate
Principal Balance of each Class of Certificates
representing a regular interest in REMIC II and the
Uncertificated Principal Balance of each REMIC I
Regular Interest and the rights to the Excess Spread
would be reduced to zero, which is March 25, 2026, the
Distribution Date immediately following the latest
scheduled maturity date of any Mortgage Loan.
Monthly Payment: With respect to any Mortgage
Loan (including any REO Property) and any Due Date, the
payment of principal and interest due thereon in
accordance with the amortization schedule at the time
applicable thereto (after adjustment, if any, for
curtailments and for Deficient Valuations occurring
prior to such Due Date but before any adjustment to
such amortization schedule by reason of any bankruptcy,
other than a Deficient Valuation, or similar proceeding
or any moratorium or similar waiver or grace period).
Moody's: Moody's Investors Service, Inc., or its
successor in interest.
Mortgage: With respect to each Mortgage Note
related to a Mortgage Loan which is not a Cooperative
Loan, the mortgage, deed of trust or other comparable
instrument creating a first lien on an estate in fee
simple or leasehold interest in real property securing
a Mortgage Note.
Mortgage File: The mortgage documents listed in
Section 2.01 pertaining to a particular Mortgage Loan
and any additional documents required to be added to
the Mortgage File pursuant to this Agreement.
Mortgage Loan Schedule: The list of the Mortgage
Loans attached hereto as Exhibit F (as amended from
time to time to reflect the addition of Qualified
Substitute Mortgage Loans), which list shall set forth
at a minimum the following information as to each
Mortgage Loan:
(i) the Mortgage Loan identifying number
("RFC LOAN #");
(ii) the street address of the Mortgaged
Property including state and zip code
("ADDRESS");
(iii) the maturity of the Mortgage Note
("MATURITY DATE");
(iv) the Mortgage Rate ("ORIG RATE");
(v) the Subservicer pass-through rate
("CURR NET");
(vi) the Net Mortgage Rate ("NET MTG RT");
(vii) the Spread Rate ("SPREAD");
(viii) the initial scheduled monthly payment
of principal, if any, and interest
("ORIGINAL P & I");
(ix) the Cut-off Date Principal Balance
("PRINCIPAL BAL");
(x) the Loan-to-Value Ratio at origination
("LTV");
(xi) the rate at which the Subservicing Fee
accrues ("SUBSERV FEE") and at which
the Servicing Fee accrues ("MSTR SERV
FEE");
(xii) a code "T," "BT" or "CT" under the
column "LN FEATURE," indicating that
the Mortgage Loan is secured by a
second or vacation residence; and
(xiii) a code "N" under the column "OCCP
CODE," indicating that the Mortgage
Loan is secured by a non-owner occupied
residence.
Such schedule may consist of multiple reports that
collectively set forth all of the information
requested.
Mortgage Loans: Such of the mortgage loans
transferred and assigned to the Trustee pursuant to
Section 2.01 as from time to time are held or deemed to
be held as a part of the Trust Fund, the Mortgage Loans
originally so held being identified in the initial
Mortgage Loan Schedule, and Qualified Substitute
Mortgage Loans held or deemed held as part of the Trust
Fund including, without limitation, (i) with respect to
each Cooperative Loan, the related Mortgage Note,
Security Agreement, Assignment of Proprietary Lease,
Cooperative Stock Certificate, Cooperative Lease and
Mortgage File and all rights appertaining thereto, and
(ii) with respect to each Mortgage Loan other than a
Cooperative Loan, each related Mortgage Note, Mortgage
and Mortgage File and all rights appertaining thereto.
Mortgage Note: The originally executed note or
other evidence of indebtedness evidencing the
indebtedness of a Mortgagor under a Mortgage Loan,
together with any modification thereto.
Mortgage Rate: As to any Mortgage Loan, the
interest rate borne by the related Mortgage Note, or
any modification thereto.
Mortgaged Property: The underlying real property
securing a Mortgage Loan.
Mortgagor: The obligor on a Mortgage Note.
Net Mortgage Rate: As to each Mortgage Loan, a
per annum rate of interest equal to the Adjusted
Mortgage Rate less the per annum rate at which the
Servicing Fee is calculated.
Non-Primary Residence Loans: The Mortgage Loans
designated as secured by second or vacation residences,
or by non-owner occupied residences, on the Mortgage
Loan Schedule.
Non-United States Person: Any Person other than a
United States Person.
Nonrecoverable Advance: Any Advance previously
made or proposed to be made by the Master Servicer in
respect of a Mortgage Loan (other than a Deleted
Mortgage Loan) which, in the good faith judgment of the
Master Servicer, will not, or, in the case of a
proposed Advance, would not, be ultimately recoverable
by the Master Servicer from related Late Collections,
Insurance Proceeds, Liquidation Proceeds, REO Proceeds
or amounts reimbursable to the Master Servicer pursuant
to Section 4.02(a) hereof.
Nonsubserviced Mortgage Loan: Any Mortgage Loan
that, at the time of reference thereto, is not subject
to a Subservicing Agreement.
Notional Amount: As of any Distribution Date, (i)
with respect to Class A-9 Component A, an amount equal
to 3/56th of the aggregate Certificate Principal
Balances of the Class A-1, Class A-2 and Class A-3
Certificates immediately prior to such date, (ii) with
respect to Class A-9 Component E, an amount equal to
1/7th of the aggregate Certificate Principal Balance of
the Class A-4 Certificates immediately prior to such
date and (iii) with respect to Class A-9 Component H,
an amount equal to 3/56th of the aggregate Certificate
Principal Balances of the Class A-5, Class A-12 and
Class A-13 Certificates immediately prior to such date.
Officers' Certificate: A certificate signed by
the Chairman of the Board, the President or a Vice
President or Assistant Vice President, or a Director or
Managing Director, and by the Treasurer, the Secretary,
or one of the Assistant Treasurers or Assistant
Secretaries of the Company or the Master Servicer, as
the case may be, and delivered to the Trustee, as
required by this Agreement.
Opinion of Counsel: A written opinion of counsel
acceptable to the Trustee and the Master Servicer, who
may be counsel for the Company or the Master Servicer,
provided that any opinion of counsel (i) referred to in
the definition of "Permitted Transferee" or (ii)
relating to the qualification of the Trust Fund as a
REMIC or compliance with the REMIC Provisions must,
unless otherwise specified, be an opinion of
Independent counsel.
Original Senior Percentage: The fraction,
expressed as a percentage, the numerator of which is
the aggregate Initial Certificate Principal Balance of
the Class A Certificates and Class R Certificates and
the denominator of which is the aggregate Stated
Principal Balance of the Mortgage Loans, which is
approximately 94.25% as of the Closing Date.
Outstanding Mortgage Loan: As to any Due Date, a
Mortgage Loan (including an REO Property) which was not
the subject of a Principal Prepayment in Full, Cash
Liquidation or REO Disposition and which was not
purchased, deleted or substituted for prior to such Due
Date pursuant to Section 2.02, 2.03 or 2.04.
Owner or Holder: With respect to the Excess
Spread, Residential Funding, as the owner of all right,
title and interest in and to the Excess Spread. Solely
for the purpose of giving any consent or direction
pursuant to this Agreement, as long as Residential
Funding or any Affiliate thereof is Master Servicer and
the Excess Spread remains uncertificated, the Voting
Rights evidenced thereby shall not be taken into
account in determining whether the requisite amount of
Voting Rights necessary to effect any such consent or
direction has been obtained.
Ownership Interest: As to any Certificate, any
ownership or security interest in such Certificate,
including any interest in such Certificate as the
Holder thereof and any other interest therein, whether
direct or indirect, legal or beneficial, as owner or as
pledgee.
Pass-Through Rate: With respect to the Class A
Certificates (other than the Class A-8 Certificates),
Class M Certificates, Class B Certificates and Class R
Certificates and any Distribution Date, the per annum
rate set forth in the Preliminary Statement hereto.
The Class A-8 Certificates have no Pass-Through Rate
and are not entitled to Accrued Certificate Interest.
Paying Agent: The First National Bank of Chicago
or any successor Paying Agent appointed by the Trustee.
Percentage Interest: With respect to any
Certificate (other than a Class R Certificate), the
undivided percentage ownership interest in the related
Class evidenced by such Certificate, which percentage
ownership interest shall be equal to the Initial
Certificate Principal Balance thereof divided by the
aggregate Initial Certificate Principal Balance of all
of the Certificates of the same Class. With respect to
a Class R Certificate, the interest in distributions to
be made with respect to such Class evidenced thereby,
expressed as a percentage, as stated on the face of
each such Certificate.
Permitted Investments: One or more of the
following:
(i) obligations of or guaranteed as to
principal and interest by the United States or any
agency or instrumentality thereof when such
obligations are backed by the full faith and
credit of the United States;
(ii) repurchase agreements on obligations
specified in clause (i) maturing not more than one
month from the date of acquisition thereof,
provided that the unsecured obligations of the
party agreeing to repurchase such obligations are
at the time rated by each Rating Agency in its
highest short-term rating available;
(iii) federal funds, certificates of
deposit, demand deposits, time deposits and
bankers' acceptances (which shall each have an
original maturity of not more than 90 days and, in
the case of bankers' acceptances, shall in no
event have an original maturity of more than 365
days or a remaining maturity of more than 30 days)
denominated in United States dollars of any U.S.
depository institution or trust company
incorporated under the laws of the United States
or any state thereof or of any domestic branch of
a foreign depository institution or trust company;
provided that the debt obligations of such
depository institution or trust company (or, if
the only Rating Agency is Standard & Poor's, in
the case of the principal depository institution
in a depository institution holding company, debt
obligations of the depository institution holding
company) at the date of acquisition thereof have
been rated by each Rating Agency in its highest
short-term rating available; and provided further
that, if the only Rating Agency is Standard &
Poor's and if the depository or trust company is a
principal subsidiary of a bank holding company and
the debt obligations of such subsidiary are not
separately rated, the applicable rating shall be
that of the bank holding company; and, provided
further that, if the original maturity of such
short-term obligations of a domestic branch of a
foreign depository institution or trust company
shall exceed 30 days, the short-term rating of
such institution shall be A-1+ in the case of
Standard & Poor's if Standard & Poor's is the
Rating Agency;
(iv) commercial paper (having original
maturities of not more than 365 days) of any
corporation incorporated under the laws of the
United States or any state thereof which on the
date of acquisition has been rated by each Rating
Agency in its highest short-term rating available;
provided that such commercial paper shall have a
remaining maturity of not more than 30 days;
(v) a money market fund or a qualified
investment fund rated by each Rating Agency in its
highest long-term rating available; and
(vi) other obligations or securities that
are acceptable to each Rating Agency as a
Permitted Investment hereunder and will not reduce
the rating assigned to any Class of Certificates
by such Rating Agency below the lower of the
then-current rating or the rating assigned to such
Certificates as of the Closing Date by such Rating
Agency, as evidenced in writing;
provided, however, no instrument shall be a Permitted
Investment if it represents, either (1) the right to
receive only interest payments with respect to the
underlying debt instrument or (2) the right to receive
both principal and interest payments derived from
obligations underlying such instrument and the
principal and interest payments with respect to such
instrument provide a yield to maturity greater than
120% of the yield to maturity at par of such underlying
obligations. References herein to the highest rating
available on unsecured long-term debt shall mean AAA in
the case of Standard & Poor's and Fitch and Aaa in the
case of Moody's, and references herein to the highest
rating available on unsecured commercial paper and
short-term debt obligations shall mean A-1 in the case
of Standard & Poor's, P-1 in the case of Moody's and
either A-1 by Standard & Poor's, P-1 by Moody's or F-1
by Fitch in the case of Fitch.
Permitted Transferee: Any Transferee of a Class R
Certificate, other than a Disqualified Organization or
Non-United States Person.
Person: Any individual, corporation, partnership,
joint venture, association, joint-stock company, trust,
unincorporated organization or government or any agency
or political subdivision thereof.
Pool Stated Principal Balance: As to any date of
determination, the aggregate of the Stated Principal
Balances of each Mortgage Loan that was an Outstanding
Mortgage Loan on the Due Date in the month preceding
the month of such date of determination.
Prepayment Assumption: A prepayment assumption of
265% of the standard prepayment assumption, used for
determining the accrual of original issue discount and
market discount and premium on the Certificates for
federal income tax purposes. The standard prepayment
assumption assumes a constant rate of prepayment of
mortgage loans of 0.2% per annum of the then
outstanding principal balance of such mortgage loans in
the first month of the life of the mortgage loans,
increasing by an additional 0.2% per annum in each
succeeding month until the thirtieth month, and a
constant 6% per annum rate of prepayment thereafter for
the life of the mortgage loans.
Prepayment Distribution Percentage: With respect
to any Distribution Date and each Class of Class M
Certificates and Class B Certificates, under the
applicable circumstances set forth below, the
respective percentages set forth below:
(i) For any Distribution Date on which the
Class M-1 Certificates are outstanding and
prior to the later to occur of (x) the
Distribution Date in April 2003 and (y) the
Distribution Date on which the sum of the
Class M-2 Percentage, Class M-3 Percentage
and Class B Percentage (before taking into
account such month's distribution) equals
or exceeds 7.00%:
(a) in the case of the Class M-1
Certificates, 100%; and
(b) in the case of each other Class of
Class M Certificates and each Class of
Class B Certificates, 0%.
(ii) For any Distribution Date on which any
Class of Class M or Class B Certificates
are outstanding not discussed in clause (i)
above:
(a) in the case of the Class of
Class M Certificates then outstanding with
the lowest numerical designation, or in the
event the Class M Certificates are no
longer outstanding, the Class of Class B
Certificates then outstanding with the
lowest numerical designation and each other
Class of Class M Certificates and Class B
Certificates for which the related
Prepayment Distribution Trigger has been
satisfied, a fraction, expressed as a
percentage, the numerator of which is the
Certificate Principal Balance of such Class
immediately prior to such date and the
denominator of which is the sum of the
Certificate Principal Balances immediately
prior to such date of (1) the Class of
Class M Certificates then outstanding with
the lowest numerical designation, or in the
event the Class M Certificates are no
longer outstanding, the Class of Class B
Certificates then outstanding with the
lowest numerical designation and (2) all
other Classes of Class M Certificates and
Class B Certificates for which the
respective Prepayment Distribution Triggers
have been satisfied; and
(b) in the case of each other
Class of Class M Certificates and Class B
Certificates for which the Prepayment
Distribution Triggers have not been
satisfied, 0%; and
(iii) Notwithstanding the foregoing, if
the application of the foregoing percentages on
any Distribution Date as provided in Section 4.02
(determined without regard to the proviso to the
definition of "Subordinate Principal Distribution
Amount") would result in a distribution in respect
of principal of any Class or Classes of Class M
Certificates and Class B Certificates in an amount
greater than the remaining Certificate Principal
Balance thereof (any such class, a "Maturing
Class"), then: (a) the Prepayment Distribution
Percentage of each Maturing Class shall be reduced
to a level that, when applied as described above,
would exactly reduce the Certificate Principal
Balance of such Class to zero; (b) the Prepayment
Distribution Percentage of each other Class of
Class M Certificates and Class B Certificates (any
such Class, a "Non-Maturing Class") shall be
recalculated in accordance with the provisions in
paragraph (ii) above, as if the Certificate
Principal Balance of each Maturing Class had been
reduced to zero (such percentage as recalculated,
the "Recalculated Percentage"); (c) the total
amount of the reductions in the Prepayment
Distribution Percentages of the Maturing Class or
Classes pursuant to clause (a) of this sentence,
expressed as an aggregate percentage, shall be
allocated among the Non-Maturing Classes in
proportion to their respective Recalculated
Percentages (the portion of such aggregate
reduction so allocated to any Non-Maturing Class,
the "Adjustment Percentage"); and (d) for purposes
of such Distribution Date, the Prepayment
Distribution Percentage of each Non-Maturing Class
shall be equal to the sum of (1) the Prepayment
Distribution Percentage thereof, calculated in
accordance with the provisions in paragraph (ii)
above as if the Certificate Principal Balance of
each Maturing Class had not been reduced to zero,
plus (2) the related Adjustment Percentage.
Prepayment Distribution Trigger: The Class M-2
Prepayment Distribution Trigger, Class M-3 Prepayment
Distribution Trigger, Class B-1 Prepayment Distribution
Trigger, Class B-2 Prepayment Distribution Trigger or
Class B-3 Prepayment Distribution Trigger.
Prepayment Interest Shortfall: As to any
Distribution Date and any Mortgage Loan (other than a
Mortgage Loan relating to an REO Property) that was the
subject of (a) a Principal Prepayment in Full during
the related Prepayment Period, an amount equal to the
excess of one month's interest at the Net Mortgage Rate
on the Stated Principal Balance of such Mortgage Loan
over the amount of interest (adjusted to the Net
Mortgage Rate) paid by the Mortgagor for such
Prepayment Period to the date of such Principal
Prepayment in Full or (b) a Curtailment during the
prior calendar month, an amount equal to one month's
interest at the Net Mortgage Rate on the amount of such
Curtailment.
Prepayment Lockout Certificates: Any one of the
Class A-10 Certificates or Senior Support Certificates.
Prepayment Period: As to any Distribution Date,
the calendar month preceding the month of distribution.
Primary Insurance Policy: Each primary policy of
mortgage guaranty insurance or any replacement policy
therefor referred to in Section 2.03(b)(iv) and (v).
Principal Prepayment: Any payment of principal or
other recovery on a Mortgage Loan, including a recovery
that takes the form of Liquidation Proceeds or
Insurance Proceeds, which is received in advance of its
scheduled Due Date and is not accompanied by an amount
as to interest representing scheduled interest on such
payment due on any date or dates in any month or months
subsequent to the month of prepayment.
Principal Prepayment in Full: Any Principal
Prepayment made by a Mortgagor of the entire principal
balance of a Mortgage Loan.
Program Guide: Collectively, the Seller Guide and
the Servicer Guide for Residential Funding's mortgage
loan purchase and conduit servicing program and all
supplements and amendments thereto published by
Residential Funding from time to time.
Purchase Price: With respect to any Mortgage Loan
(or REO Property) required to be purchased on any date
pursuant to Section 2.02, 2.03, 2.04 or 4.07, an amount
equal to the sum of (i) 100% of the Stated Principal
Balance thereof plus the principal portion of any
related unreimbursed Advances and (ii) unpaid accrued
interest at the Adjusted Mortgage Rate (or at the Net
Mortgage Rate in the case of a purchase made by the
Master Servicer) on the Stated Principal Balance
thereof to the first day of the month following the
month of purchase from the Due Date to which interest
was last paid by the Mortgagor.
Qualified Substitute Mortgage Loan: A Mortgage
Loan substituted by Residential Funding or the Company
for a Deleted Mortgage Loan which must, on the date of
such substitution, as confirmed in an Officers'
Certificate delivered to the Trustee, (i) have an
outstanding principal balance, after deduction of the
principal portion of the monthly payment due in the
month of substitution (or in the case of a substitution
of more than one Mortgage Loan for a Deleted Mortgage
Loan, an aggregate outstanding principal balance, after
such deduction), not in excess of the Stated Principal
Balance of the Deleted Mortgage Loan (the amount of any
shortfall to be deposited by Residential Funding in the
Custodial Account in the month of substitution); (ii)
have a Mortgage Rate and a Net Mortgage Rate no lower
than and not more than 1% per annum higher than the
Mortgage Rate and Net Mortgage Rate, respectively, of
the Deleted Mortgage Loan as of the date of
substitution; (iii) have a Loan-to-Value Ratio at the
time of substitution no higher than that of the Deleted
Mortgage Loan at the time of substitution; (iv) have a
remaining term to stated maturity not greater than (and
not more than one year less than) that of the Deleted
Mortgage Loan; (v) comply with each representation and
warranty set forth in Sections 2.03 and 2.04 hereof and
Section 4 of the Assignment Agreement; and (vi) have a
Spread Rate equal to or greater than that of the
Deleted Mortgage Loan. Notwithstanding any other
provisions herein, in the event that the "Spread Rate"
of any Qualified Substitute Mortgage Loan as calculated
pursuant to the definition of "Spread Rate" is greater
than the Spread Rate of the related Deleted Mortgage
Loan (i) the Spread Rate of such Qualified Substitute
Mortgage Loan shall be equal to the Spread Rate of the
related Deleted Mortgage Loan for purposes of
calculating the Excess Spread and (ii) the excess of
the Spread Rate on such Qualified Substitute Mortgage
Loan as calculated pursuant to the definition of
"Spread Rate" over the Spread Rate on the related
Deleted Mortgage Loan shall be payable to the Class R-I
Certificates pursuant to Section 4.02 hereof.
Rating Agency: Fitch and Standard & Poor's with
respect to the Class A and Class R Certificates and
Fitch with respect to the Class M, Class B-1 and Class
B-2 Certificates. If either agency or a successor is
no longer in existence, "Rating Agency" shall be such
statistical credit rating agency, or other comparable
Person, designated by the Company, notice of which
designation shall be given to the Trustee and the
Master Servicer.
Realized Loss: With respect to each Mortgage Loan
(or REO Property) as to which a Cash Liquidation or REO
Disposition has occurred, an amount (not less than
zero) equal to (i) the Stated Principal Balance of the
Mortgage Loan (or REO Property) as of the date of Cash
Liquidation or REO Disposition, plus (ii) interest (and
REO Imputed Interest, if any) at the Net Mortgage Rate
from the Due Date as to which interest was last paid or
advanced to Certificateholders and the Owner of the
Excess Spread up to the last day of the month in which
the Cash Liquidation (or REO Disposition) occurred on
the Stated Principal Balance of such Mortgage Loan (or
REO Property) outstanding during each Due Period that
such interest was not paid or advanced, minus (iii) the
proceeds, if any, received during the month in which
such Cash Liquidation (or REO Disposition) occurred, to
the extent applied as recoveries of interest at the Net
Mortgage Rate and to principal of the Mortgage Loan,
net of the portion thereof reimbursable to the Master
Servicer or any Subservicer with respect to related
Advances or expenses as to which the Master Servicer or
Subservicer is entitled to reimbursement thereunder but
which have not been previously reimbursed. With
respect to each Mortgage Loan which has become the
subject of a Deficient Valuation, the difference
between the principal balance of the Mortgage Loan
outstanding immediately prior to such Deficient
Valuation and the principal balance of the Mortgage
Loan as reduced by the Deficient Valuation. With
respect to each Mortgage Loan which has become the
object of a Debt Service Reduction, the amount of such
Debt Service Reduction.
Record Date: With respect to each Distribution
Date, the close of business on the last Business Day of
the month next preceding the month in which the related
Distribution Date occurs.
Regular Certificate: Any of the Certificates
other than a Class R-I Certificate or Class R-II
Certificate.
REMIC: A "real estate mortgage investment
conduit" within the meaning of Section 860D of the
Code.
REMIC Administrator: Residential Funding
Corporation. If Residential Funding Corporation is
found by a court of competent jurisdiction to no longer
be able to fulfill its obligations as REMIC
Administrator under this Agreement the Master Servicer
or Trustee acting as Master Servicer shall appoint a
successor REMIC Administrator, subject to assumption of
the REMIC Administrator obligations under this
Agreement.
REMIC I: The segregated pool of assets, with
respect to which a REMIC election is to be made,
consisting of:
(i) the Mortgage Loans and the related
Mortgage Files,
(ii) all payments on and collections in
respect of the Mortgage Loans due
after the Cut-off Date as shall be
on deposit in the Custodial Account
or in the Certificate Account and
identified as belonging to the Trust
Fund,
(iii) property which secured a Mortgage
Loan and which has been acquired for
the benefit of the
Certificateholders and the Owner of
the Excess Spread by foreclosure or
deed in lieu of foreclosure, and
(iv) the hazard insurance policies and
Primary Insurance Policies, if any,
and certain proceeds thereof.
REMIC I Certificates: The Class R-I Certificates.
REMIC II: The segregated pool of assets
consisting of the Uncertificated REMIC I Regular
Interests conveyed in trust to the Trustee for the
benefit of the holders of the Class A-1, Class A-2,
Class A-3, Class A-4, Class A-5, Class A-6, Class A-7,
Class A-8, Class A-9, Class A-10, Class A-11,
Class A-12, Class A-13, Class M-1, Class M-2, Class
M-3, Class B-1, Class B-2, Class B-3 and the Owner of
the Excess Spread and Class R-II Certificates pursuant
to Section 2.06, with respect to which a separate REMIC
election is to be made.
REMIC II Certificates: Any of the Class A-1,
Class A-2, Class A-3, Class A-4, Class A-5, Class A-6,
Class A-7, Class A-8, Class A-9, Class A-10, Class
A-11, Class A-12, Class A-13, Class M-1, Class M-2,
Class M-3, Class B-1, Class B-2, Class B-3 and Class
R-II Certificates.
REMIC Provisions: Provisions of the federal
income tax law relating to real estate mortgage
investment conduits, which appear at Sections 860A
through 860G of Subchapter M of Chapter 1 of the Code,
and related provisions, and temporary and final
regulations (or, to the extent not inconsistent with
such temporary or final regulations, proposed
regulations) and published rulings, notices and
announcements promulgated thereunder, as the foregoing
may be in effect from time to time.
REO Acquisition: The acquisition by the Master
Servicer on behalf of the Trustee for the benefit of
the Certificateholders and the Owner of the Excess
Spread of any REO Property pursuant to Section 3.14.
REO Disposition: As to any REO Property, a
determination by the Master Servicer that it has
received all Insurance Proceeds, Liquidation Proceeds,
REO Proceeds and other payments and recoveries
(including proceeds of a final sale) which the Master
Servicer expects to be finally recoverable from the
sale or other disposition of the REO Property.
REO Imputed Interest: As to any REO Property, for
any period, an amount equivalent to interest (at the
Net Mortgage Rate that would have been applicable to
the related Mortgage Loan had it been outstanding) on
the unpaid principal balance of the Mortgage Loan as of
the date of acquisition thereof for such period.
REO Proceeds: Proceeds, net of expenses, received
in respect of any REO Property (including, without
limitation, proceeds from the rental of the related
Mortgaged Property) which proceeds are required to be
deposited into the Custodial Account only upon the
related REO Disposition.
REO Property: A Mortgaged Property acquired by
the Master Servicer through foreclosure or deed in lieu
of foreclosure in connection with a defaulted Mortgage
Loan.
Request for Release: A request for release, the
forms of which are attached as Exhibit H hereto.
Required Insurance Policy: With respect to any
Mortgage Loan, any insurance policy which is required
to be maintained from time to time under this
Agreement, the Program Guide or the related
Subservicing Agreement in respect of such Mortgage
Loan.
Residential Funding: Residential Funding
Corporation, a Delaware corporation, in its capacity as
seller of the Mortgage Loans to the Company and any
successor thereto.
Responsible Officer: When used with respect to
the Trustee, any officer of the Corporate Trust
Department of the Trustee, including any Senior Vice
President, any Vice President, any Assistant Vice
President, any Assistant Secretary, any Trust Officer
or Assistant Trust Officer, or any other officer of the
Trustee customarily performing functions similar to
those performed by any of the above designated officers
to whom, with respect to a particular matter, such
matter is referred.
Security Agreement: With respect to a Cooperative
Loan, the agreement creating a security interest in
favor of the originator in the related Cooperative
Stock.
Seller: As to any Mortgage Loan, a Person,
including any Subservicer, that executed a Seller's
Agreement applicable to such Mortgage Loan.
Seller's Agreement: An agreement for the
origination and sale of Mortgage Loans generally in the
form of the Seller Contract referred to or contained in
the Program Guide, or in such other form as has been
approved by the Master Servicer and the Company, each
containing representations and warranties in respect of
one or more Mortgage Loans.
Senior Accelerated Distribution Percentage: With
respect to any Distribution Date, the percentage
indicated below:
Distribution Date Senior Accelerated
Distribution Percentage
April 1996 through
March 2001................100%
April 2001 through
March 2002................Senior Percentage, plus 70%
of the Subordinate Percentage
April 2002 through
March 2003................Senior Percentage, plus 60%
of the Subordinate Percentage
April 2003 through
March 2004................Senior Percentage, plus 40%
of the Subordinate Percentage
April 2004 through
March 2005................Senior Percentage, plus 20%
of the Subordinate Percentage
April 2005 and
thereafter................Senior Percentage
provided, however, (i) that any scheduled reduction to
the Senior Accelerated Distribution Percentage
described above shall not occur as of any Distribution
Date unless either (a)(1)(X) the outstanding principal
balance of the Mortgage Loans delinquent 60 days or
more averaged over the last six months, as a percentage
of the aggregate outstanding Certificate Principal
Balance of the Class M and Class B Certificates, is
less than 50% or (Y) the outstanding principal balance
of Mortgage Loans delinquent 60 days or more averaged
over the last six months, as a percentage of the
aggregate outstanding principal balance of all Mortgage
Loans averaged over the last six months, does not
exceed 2% and (2) Realized Losses on the Mortgage Loans
to date for such Distribution Date if occurring during
the sixth, seventh, eighth, ninth or tenth year (or any
year thereafter) after the Closing Date are less than
30%, 35%, 40%, 45% or 50%, respectively, of the sum of
the Initial Certificate Principal Balances of the Class
M Certificates and Class B Certificates or (b)(1) the
outstanding principal balance of Mortgage Loans
delinquent 60 days or more averaged over the last six
months, as a percentage of the aggregate outstanding
principal balance of all Mortgage Loans averaged over
the last six months, does not exceed 4% and (2)
Realized Losses on the Mortgage Loans to date for any
Distribution Date are less than 10% of the sum of the
Initial Certificate Principal Balances of the Class M
Certificates and Class B Certificates and (ii) that for
any Distribution Date on which the Senior Percentage is
greater than the Original Senior Percentage, the Senior
Accelerated Distribution Percentage for such
Distribution Date shall be 100%. Notwithstanding the
foregoing, upon the reduction of the aggregate
Certificate Principal Balance of the Class A
Certificates and Class R Certificates to zero, the
Senior Accelerated Distribution Percentage shall
thereafter be 0%.
Senior Percentage: As of any Distribution Date,
the lesser of 100% and a fraction, expressed as a
percentage, the numerator of which is the aggregate
Certificate Principal Balance of the Class A
Certificates and Class R Certificates immediately prior
to such Distribution Date and the denominator of which
is the aggregate Stated Principal Balance of all of the
Mortgage Loans (or related REO Properties) immediately
prior to such Distribution Date.
Senior Principal Distribution Amount: As to any
Distribution Date, the lesser of (a) the balance of the
Available Distribution Amount remaining after the
distribution of all amounts required to be distributed
pursuant to Section 4.02(a)(i) and (b) the sum of the
amounts required to be distributed to the Class A
Certificateholders and Class R Certificateholders on
such Distribution Date pursuant to Section 4.02(a)(ii),
(xvi) and (xvii).
Senior Support Certificates: Any one of the Class
A-11 Certificates.
Servicing Accounts: The account or accounts
created and maintained pursuant to Section 3.08.
Servicing Advances: All customary, reasonable and
necessary "out of pocket" costs and expenses incurred
in connection with a default, delinquency or other
unanticipated event by the Master Servicer in the
performance of its servicing obligations, including,
but not limited to, the cost of (i) the preservation,
restoration and protection of a Mortgaged Property,
(ii) any enforcement or judicial proceedings, including
foreclosures, (iii) the management and liquidation of
any REO Property and (iv) compliance with the
obligations under Sections 3.01, 3.08, 3.12(a) and
3.14, including, if the Master Servicer or any
Affiliate of the Master Servicer provides services such
as appraisals and brokerage services that are
customarily provided by Persons other than servicers of
mortgage loans, reasonable compensation for such
services.
Servicing Fee: With respect to any Mortgage Loan
and Distribution Date, the fee payable monthly to the
Master Servicer in respect of master servicing
compensation that accrues at an annual rate designated
on the Mortgage Loan Schedule as the "MSTR SERV FEE"
for such Mortgage Loan, as may be adjusted with respect
to successor Master Servicers as provided in Section
7.02.
Servicing Officer: Any officer of the Master
Servicer involved in, or responsible for, the
administration and servicing of the Mortgage Loans
whose name and specimen signature appear on a list of
servicing officers furnished to the Trustee by the
Master Servicer, as such list may from time to time be
amended.
Special Hazard Amount: As of any Distribution
Date, an amount equal to $4,244,666 minus the sum of
(i) the aggregate amount of Special Hazard Losses
allocated solely to one or more specific Classes of
Certificates in accordance with Section 4.05 and (ii)
the Adjustment Amount (as defined below) as most
recently calculated. For each anniversary of the
Cut-off Date, the Adjustment Amount shall be equal to
the amount, if any, by which the amount calculated in
accordance with the preceding sentence (without giving
effect to the deduction of the Adjustment Amount for
such anniversary) exceeds the greater of (A) the
greatest of (i) twice the outstanding principal balance
of the Mortgage Loan in the Trust Fund which has the
largest outstanding principal balance on the
Distribution Date immediately preceding such
anniversary, (ii) the product of 1.00% multiplied by
the outstanding principal balance of all Mortgage Loans
on the Distribution Date immediately preceding such
anniversary and (iii) the aggregate outstanding
principal balance (as of the immediately preceding
Distribution Date) of the Mortgage Loans in any single
five-digit California zip code area with the largest
amount of Mortgage Loans by aggregate principal balance
as of such anniversary and (B) the greater of (i) the
product of 0.50% multiplied by the outstanding
principal balance of all Mortgage Loans on the
Distribution Date immediately preceding such
anniversary multiplied by a fraction, the numerator of
which is equal to the aggregate outstanding principal
balance (as of the immediately preceding Distribution
Date) of all of the Mortgage Loans secured by Mortgaged
Properties located in the State of California divided
by the aggregate outstanding principal balance (as of
the immediately preceding Distribution Date) of all of
the Mortgage Loans, expressed as a percentage, and the
denominator of which is equal to 54.88% (which
percentage is equal to the percentage of Mortgage Loans
initially secured by Mortgaged Properties located in
the State of California) and (ii) the aggregate
outstanding principal balance (as of the immediately
preceding Distribution Date) of the largest Mortgage
Loan secured by a Mortgaged Property located in the
State of California.
The Special Hazard Amount may be further reduced
by the Master Servicer (including accelerating the
manner in which coverage is reduced) provided that
prior to any such reduction, the Master Servicer shall
(i) obtain written confirmation from each Rating Agency
that such reduction shall not reduce the rating
assigned to any Class of Certificates by such Rating
Agency below the lower of the then-current rating or
the rating assigned to such Certificates as of the
Closing Date by such Rating Agency and (ii) provide a
copy of such written confirmation to the Trustee.
Special Hazard Loss: Any Realized Loss not in
excess of the cost of the lesser of repair or
replacement of a Mortgaged Property suffered by such
Mortgaged Property on account of direct physical loss,
exclusive of (i) any loss of a type covered by a hazard
policy or a flood insurance policy required to be
maintained in respect of such Mortgaged Property
pursuant to Section 3.12(a), except to the extent of
the portion of such loss not covered as a result of any
coinsurance provision and (ii) any Extraordinary Loss.
Spread Rate: With respect to each Mortgage Loan,
a per annum rate equal to the excess of (a) the Net
Mortgage Rate of such Mortgage Loan over (b) 7.000% per
annum.
Standard & Poor's: Standard & Poor's Ratings
Services, a division of the McGraw-Hill Companies, or
its successor in interest.
Stated Principal Balance: With respect to any
Mortgage Loan or related REO Property, at any given
time, (i) the Cut-off Date Principal Balance of the
Mortgage Loan, minus (ii) the sum of (a) the principal
portion of the Monthly Payments due with respect to
such Mortgage Loan or REO Property during each Due
Period ending prior to the most recent Distribution
Date which were received or with respect to which an
Advance was made, and (b) all Principal Prepayments
with respect to such Mortgage Loan or REO Property, and
all Insurance Proceeds, Liquidation Proceeds and REO
Proceeds, to the extent applied by the Master Servicer
as recoveries of principal in accordance with Section
3.14 with respect to such Mortgage Loan or REO
Property, in each case which were distributed pursuant
to Section 4.02 on any previous Distribution Date, and
(c) any Realized Loss allocated to Certificateholders
with respect thereto for any previous Distribution
Date.
Subordinate Percentage: As of any Distribution
Date, 100% minus the Senior Percentage as of such
Distribution Date.
Subordinate Principal Distribution Amount: With
respect to any Distribution Date and each Class of
Class M Certificates and Class B Certificates, (a) the
sum of (i) the product of (x) the related Class M
Percentage or Class B Percentage for such Class and (y)
the aggregate of the amounts calculated for such
Distribution Date under clauses (1), (2) and (3) of
Section 4.02(a)(ii)(A); (ii) such Class's pro rata
share, based on the Certificate Principal Balance of
each Class of Class M Certificates and Class B
Certificates then outstanding, of the principal
collections described in Section 4.02(a)(ii)(B)(b) to
the extent such collections are not otherwise
distributed to the Class A Certificates and Class R
Certificates; (iii) the product of (x) the related
Prepayment Distribution Percentage and (y) the
aggregate of all Principal Prepayments in Full and
Curtailments received in the related Prepayment Period
to the extent not payable to the Class A Certificates
and Class R Certificates; (iv) if such Class is the
most senior Class of Certificates then outstanding (as
established in Section 4.05 hereof), any Excess
Subordinate Principal Amount for such Distribution
Date; and (v) any amounts described in clauses (i),
(ii) and (iii) as determined for any previous
Distribution Date, that remain undistributed to the
extent that such amounts are not attributable to
Realized Losses which have been allocated to a
subordinate Class of Class M or Class B Certificates
minus (b) any Excess Subordinate Principal Amount not
payable to such Class on such Distribution Date
pursuant to the definition thereof; provided, however,
that such amount shall in no event exceed the
outstanding Certificate Principal Balance of such Class
of Certificates immediately prior to such date.
Subserviced Mortgage Loan: Any Mortgage Loan
that, at the time of reference thereto, is subject to a
Subservicing Agreement.
Subservicer: Any Person with whom the Master
Servicer has entered into a Subservicing Agreement and
who generally satisfied the requirements set forth in
the Program Guide in respect of the qualification of a
Subservicer as of the date of its approval as a
Subservicer by the Master Servicer.
Subservicer Advance: Any delinquent installment
of principal and interest on a Mortgage Loan which is
advanced by the related Subservicer (net of its
Subservicing Fee) pursuant to the Subservicing
Agreement.
Subservicing Account: An account established by a
Subservicer in accordance with Section 3.08.
Subservicing Agreement: The written contract
between the Master Servicer and any Subservicer
relating to servicing and administration of certain
Mortgage Loans as provided in Section 3.02, generally
in the form of the servicer contract referred to or
contained in the Program Guide or in such other form as
has been approved by the Master Servicer and the
Company.
Subservicing Fee: As to any Mortgage Loan, the
fee payable monthly to the related Subservicer (or, in
the case of a Nonsubserviced Mortgage Loan, to the
Master Servicer) in respect of subservicing and other
compensation that accrues at an annual rate equal to
the excess of the Mortgage Rate borne by the related
Mortgage Note over the rate per annum designated on the
Mortgage Loan Schedule as the "CURR NET" for such
Mortgage Loan.
Super Senior Certificates: Any one of the Class
A-9 Certificates.
Super Senior Optimal Percentage: As of any
Distribution Date occurring on or after the Credit
Support Depletion Date, the fraction, expressed as a
percentage, the numerator of which is the aggregate
Certificate Principal Balance of the Super Senior
Certificates and Senior Support Certificates
immediately prior to such Distribution Date and the
denominator of which is the aggregate Certificate
Principal Balance of all Senior Certificates
immediately prior to such Distribution Date.
Super Senior Optimal Principal Distribution
Amount: With respect to any Distribution Date
occurring on or after the Credit Support Depletion
Date, the sum of (i) the product of (a) the
then-applicable Super Senior Percentage and (b) the
amounts set forth in Sections 4.02(a)(ii)(A),(E) and
(F) and (ii) the then-applicable Super Senior Optimal
Percentage of the amounts set forth in Sections
4.02(a)(ii)(B) and (C).
Super Senior Percentage: As of any Distribution
Date, the fraction, expressed as a percentage, the
numerator of which is the aggregate Certificate
Principal Balance of the Super Senior Certificates
immediately prior to such Distribution Date and the
denominator of which is the aggregate Stated Principal
Balance of all of the Mortgage Loans (or related REO
Properties) immediately prior to such Distribution
Date.
TAC Certificates: Any one of the Class A-5, Class
A-6, Class A-12 and Class A-13 Certificates.
TAC Components: Class A-9 Component F and Class
A-9 Component G.
Targeted Principal Balance: With respect to Class
A-5, Class A-6, Class A-12 and Class A-13 Certificates
and Class A-9 Component F and Class A-6 Component G and
each Distribution Date, the amount set forth for such
Component on such Distribution Date in Exhibit P
hereto.
Tax Returns: The federal income tax return on
Internal Revenue Service Form 1066, U.S. Real Estate
Mortgage Investment Conduit Income Tax Return,
including Schedule Q thereto, Quarterly Notice to
Residual Interest Holders of REMIC Taxable Income or
Net Loss Allocation, or any successor forms, to be
filed on behalf of REMIC I and REMIC II due to their
classification as REMICs under the REMIC Provisions,
together with any and all other information, reports or
returns that may be required to be furnished to the
Certificateholders or filed with the Internal Revenue
Service or any other governmental taxing authority
under any applicable provisions of federal, state or
local tax laws.
Transfer: Any direct or indirect transfer, sale,
pledge, hypothecation or other form of assignment of
any Ownership Interest in a Certificate.
Transferee: Any Person who is acquiring by
Transfer any Ownership Interest in a Certificate.
Transferor: Any Person who is disposing by
Transfer of any Ownership Interest in a Certificate.
Trust Fund: REMIC I and REMIC II.
Uncertificated Accrued Interest: With respect to
each Distribution Date, (i) as to Uncertificated REMIC
I Regular Interest V, an amount equal to the aggregate
amount of Accrued Certificate Interest that would
result under the terms of the definition thereof on the
Class A-1, Class A-2 and Class A-3 Certificates if the
Pass-Through Rate on such Classes were equal to the
Pass-Through Rate on Uncertificated REMIC I Regular
Interest V, (ii) as to Uncertificated REMIC I Regular
Interest W, an amount equal to the aggregate amount of
Accrued Certificate Interest that would result under
the terms of the definition thereof on the Class A-4
Certificates if the Pass-Through Rate on such Classes
were equal to the Uncertificated Pass-Through Rate on
Uncertificated REMIC I Regular Interest W, (iii) as to
Uncertificated REMIC I Regular Interest X, an amount
equal to the aggregate amount of Accrued Certificate
Interest that would result under the terms of the
definition thereof on the Class A-5, Class A-12 and
Class A-13 Certificates if the Pass-Through Rate on
such Classes were equal to the Uncertificated
Pass-Through Rate on Uncertificated REMIC I Regular
Interest X, (iv) as to Uncertificated REMIC I Regular
Interest Y, an amount equal to the aggregate amount of
Accrued Certificate Interest that would result under
the terms of the definition thereof on the Class A-6,
Class A-7, Class A-8, Class A-10, Class A-11, Class
M-1, Class M-2, Class M-3, Class B-1, Class B-2, Class
B-3, and Class R-II Certificates and Class A-9
Component B, Class A-9 Component C, Class A-9 Component
D, Class A-9 Component F and Class A-9 Component G, if
the Pass-Through Rates (or, in the case of Components,
the rate at which interest accrues thereon) on such
Classes or Components were equal to the Uncertificated
Pass-Through Rate on Uncertificated REMIC I Regular
Interest Y and (vii) as to the Uncertificated REMIC I
Regular Interest Z, an amount equal to one month's
interest at the Uncertificated Pass-Through Rate for
the Uncertificated REMIC I Regular Interest Z on the
aggregate principal balance of the Mortgage Loans
reduced by the pro rata share of the Uncertificated
REMIC I Regular Interest Z in any prepayment interest
shortfalls or other reductions of interest allocable to
the Excess Spread.
Uncertificated Pass-Through Rate: With respect to
each of the Uncertificated REMIC I Regular Interests V,
W, X, Y and Z, 7.000%, 7.000%, 7.000%, 7.000% and the
weighted average of the Spread Rates for the Mortgage
Loans, respectively.
Uncertificated Principal Balance: With respect to
each Uncertificated REMIC I Regular Interest on any
date of determination, an amount equal to $130,000,000
with respect to Uncertificated REMIC I Regular Interest
V, an amount equal to $10,424,000 with respect to
Uncertificated REMIC I Regular Interest W, $130,000,000
with respect to Uncertificated REMIC I Regular Interest
X, $154,042,474.98 with respect to Uncertificated REMIC
I Regular Interest Y and $0 with respect to
Uncertificated REMIC I Regular Interest Z, minus (ii)
the sum of (x) the aggregate of all amounts previously
deemed distributed with respect to such interest and
applied to reduce the Uncertificated Principal Balance
thereof pursuant to Section 4.08(a)(ii) and (y) the
aggregate of all reductions in Certificate Principal
Balance deemed to have occurred in connection with
Realized Losses that were previously deemed allocated
to the Uncertificated Principal Balance of such
Uncertificated REMIC I Regular Interest pursuant to
Section 4.08(d).
Uncertificated REMIC I Regular Interest V: An
uncertificated partial undivided beneficial ownership
interest in REMIC I having a principal balance equal to
the Stated Principal Balance of the Mortgage Loans and
REO Property from time to time multiplied by a
fraction, the numerator of which is the aggregate
Certificate Principal Balance of the Class A-1, Class
A-2 and Class A-3 Certificates and the denominator of
which is the aggregate Certificate Principal Balance of
all of the Certificates, and which bears interest at a
rate equal to 7.000% per annum.
Uncertificated REMIC I Regular Interest W: An
uncertificated partial undivided beneficial ownership
interest in REMIC I having a principal balance equal to
the Stated Principal Balance of the Mortgage Loans and
REO Property from time to time multiplied by a
fraction, the numerator of which is the aggregate
Certificate Principal Balance of the Class A-4
Certificates and the denominator of which is the
aggregate Certificate Principal Balance of all of the
Certificates, and which bears interest at a rate equal
to 7.000% per annum.
Uncertificated REMIC I Regular Interest X: An
uncertificated partial undivided beneficial ownership
interest in REMIC I having a principal balance equal to
the Stated Principal Balance of the Mortgage Loans and
REO Property from time to time multiplied by a
fraction, the numerator of which is the aggregate
Certificate Principal Balance of the Class A-5, Class
A-12 and Class A-13 Certificates and the denominator of
which is the aggregate Certificate Principal Balance of
all of the Certificates, and which bears interest at a
rate equal to 7.000% per annum.
Uncertificated REMIC I Regular Interest Y: An
uncertificated partial undivided beneficial ownership
interest in REMIC I having a principal balance equal to
the Stated Principal Balance of the Mortgage Loans and
REO Property from time to time multiplied by a
fraction, the numerator of which is the aggregate
Certificate Principal Balance of the Class A-6, Class
A-7, Class A-8, Class A-10, Class A-11, Class M-1,
Class M-2, Class M-3, Class B-1, Class B-2, Class B-3
and Class R-II Certificates and the sum of the amounts
of Class A-9 Component B, Class A-9 Component C, Class
A-9 Component D, Class A-9 Component F and Class A-9
Component G and the denominator of which is the
aggregate Certificate Principal Balance of all of the
Certificates, and which bears interest at a rate equal
to 7.000% per annum.
Uncertificated REMIC I Regular Interest Z: An
uncertificated partial undivided beneficial ownership
interest in REMIC I having a principal balance equal to
$0 and a notional amount equal to the aggregate Stated
Principal Balance of the Mortgage Loans and REO
Property from time to time, and which bears interest on
its notional amount at a rate equal to the weighted
average of the Spread Rates for the Mortgage Loans.
Uncertificated REMIC I Regular Interests:
Uncertificated REMIC I Regular Interest V,
Uncertificated REMIC I Regular Interest W,
Uncertificated REMIC I Regular Interest X,
Uncertificated REMIC I Regular Interest Y and
Uncertificated REMIC I Regular Interest Z.
Uncertificated REMIC I Regular Interest V
Distribution Amount: With respect to any Distribution
Date, the sum of the amounts deemed to be distributed
on the Uncertificated REMIC I Regular Interest V for
such Distribution Date pursuant to Section 4.08(a).
Uncertificated REMIC I Regular Interest W
Distribution Amount: With respect to any Distribution
Date, the sum of the amounts deemed to be distributed
on the Uncertificated REMIC I Regular Interest W for
such Distribution Date pursuant to Section 4.08(a).
Uncertificated REMIC I Regular Interest X
Distribution Amount: With respect to any Distribution
Date, the sum of the amounts deemed to be distributed
on the Uncertificated REMIC I Regular Interest X for
such Distribution Date pursuant to Section 4.08(a).
Uncertificated REMIC I Regular Interest Y
Distribution Amount: With respect to any Distribution
Date, the sum of the amounts deemed to be distributed
on the Uncertificated REMIC I Regular Interest Y for
such Distribution Date pursuant to Section 4.08(a).
Uncertificated REMIC I Regular Interest Z
Distribution Amount: With respect to any Distribution
Date, the sum of the amounts deemed to be distributed
on the Uncertificated REMIC I Regular Interest Z for
such Distribution Date pursuant to Section 4.08(a).
Uncertificated REMIC I Regular Interest
Distribution Amounts: The Uncertificated REMIC I
Regular Interest V Distribution Amount, Uncertificated
REMIC I Regular Interest W Distribution Amount,
Uncertificated REMIC I Regular Interest X Distribution
Amount, Uncertificated REMIC I Regular Interest Y
Distribution Amount and Uncertificated REMIC I Regular
Interest Z Distribution Amount.
Uniform Single Attestation Program for Mortgage
Bankers: The Uniform Single Attestation Program for
Mortgage Bankers, as published by the Mortgage Bankers
Association of America and effective with respect to
fiscal periods ending on or after December 15, 1995.
Uninsured Cause: Any cause of damage to property
subject to a Mortgage such that the complete
restoration of such property is not fully reimbursable
by the hazard insurance policies.
United States Person: A citizen or resident of
the United States, a corporation, partnership or other
entity created or organized in, or under the laws of,
the United States or any political subdivision thereof,
or an estate or trust whose income from sources without
the United States is includible in gross income for
United States federal income tax purposes regardless of
its connection with the conduct of a trade or business
within the United States.
Voting Rights: The portion of the voting rights
of all of the Certificates which is allocated to any
Certificate. 98.0% of all of the Voting Rights shall be
allocated among Holders of Certificates, respectively,
other than the Class R-I Certificates and Class R-II
Certificates, in proportion to the outstanding
Certificate Principal Balances of their respective
Certificates; 1% of all Voting Rights shall be
allocated to the Owner of the Excess Spread and the
Holders of the Class R-I Certificates and Class R-II
Certificates shall be entitled to 0.5% and 0.5% of all
of the Voting Rights, respectively, allocated among the
Certificates of each such Class in accordance with
their respective Percentage Interests.
ARTICLE II
CONVEYANCE OF MORTGAGE LOANS;
ORIGINAL ISSUANCE OF CERTIFICATES
Section 2.01. Conveyance of Mortgage Loans.
(a) The Company, concurrently with the
execution and delivery hereof, does hereby assign to
the Trustee without recourse all the right, title and
interest of the Company in and to the Mortgage Loans,
including all interest and principal received on or
with respect to the Mortgage Loans after the Cut-off
Date (other than payments of principal and interest due
on the Mortgage Loans on or before the Cut-off Date).
(b) In connection with such assignment, except
as set forth in Section 2.01(c) below, the Company does
hereby deliver to, and deposit with, the Trustee, or to
and with one or more Custodians, as the duly appointed
agent or agents of the Trustee for such purpose, the
following documents or instruments (or copies thereof
as permitted by this Section) (I) with respect to each
Mortgage Loan so assigned (other than a Cooperative
Loan):
(i) The original Mortgage Note, endorsed
without recourse to the order of the Trustee and
showing an unbroken chain of endorsements from the
originator thereof to the Person endorsing it to
the Trustee, or with respect to any Destroyed
Mortgage Note, an original lost note affidavit
from the related Seller or Residential Funding
stating that the original Mortgage Note was lost,
misplaced or destroyed, together with a copy of
the related Mortgage Note;
(ii) The original Mortgage with evidence
of recording indicated thereon or a copy of the
Mortgage certified by the public recording office
in which such Mortgage has been recorded;
(iii) An original Assignment of the
Mortgage to the Trustee with evidence of recording
indicated thereon or a copy of such assignment
certified by the public recording office in which
such assignment has been recorded;
(iv) The original recorded assignment or
assignments of the Mortgage showing an unbroken
chain of title from the originator thereof to the
Person assigning it to the Trustee or a copy of
such assignment or assignments of the Mortgage
certified by the public recording office in which
such assignment or assignments have been recorded;
and
(v) The original of each modification,
assumption agreement or preferred loan agreement,
if any, relating to such Mortgage Loan or a copy
of each modification, assumption agreement or
preferred loan agreement certified by the public
recording office in which such document has been
recorded.
and (II) with respect to each Cooperative Loan so
assigned:
(i) The original Mortgage Note, endorsed
without recourse to the order of the Trustee and
showing an unbroken chain of endorsements from the
originator thereof to the Person endorsing it to
the Trustee, or with respect to any Destroyed
Mortgage Note, an original lost note affidavit
from the related Seller or Residential Funding
stating that the original Mortgage Note was lost,
misplaced or destroyed, together with a copy of
the related Mortgage Note;
(ii) A counterpart of the Cooperative
Lease and the Assignment of Proprietary Lease to
the originator of the Cooperative Loan with
intervening assignments showing an unbroken chain
of title from such originator to the Trustee;
(iii) The related Cooperative Stock
Certificate, representing the related Cooperative
Stock pledged with respect to such Cooperative
Loan, together with an undated stock power (or
other similar instrument) executed in blank;
(iv) The original recognition agreement
by the Cooperative of the interests of the
mortgagee with respect to the related Cooperative
Loan;
(v) The Security Agreement;
(vi) Copies of the original UCC-1
financing statement, and any continuation
statements, filed by the originator of such
Cooperative Loan as secured party, each with
evidence of recording thereof, evidencing the
interest of the originator under the Security
Agreement and the Assignment of Proprietary Lease;
(vii) Copies of the filed UCC-3
assignments of the security interest referenced in
clause (vi) above showing an unbroken chain of
title from the originator to the Trustee, each
with evidence of recording thereof, evidencing the
interest of the originator under the Security
Agreement and the Assignment of Proprietary Lease;
(viii) An executed assignment of the
interest of the originator in the Security
Agreement, Assignment of Proprietary Lease and the
recognition agreement referenced in clause (iv)
above, showing an unbroken chain of title from the
originator to the Trustee;
(ix) The original of each modification,
assumption agreement or preferred loan agreement,
if any, relating to such Cooperative Loan; and
(x) An executed UCC-1 financing
statement showing the Master Servicer as debtor,
the Company as secured party and the Trustee as
assignee and an executed UCC-1 financing statement
showing the Company as debtor and the Trustee as
secured party, each in a form sufficient for
filing, evidencing the interest of such debtors in
the Cooperative Loans.
(c) The Company may, in lieu of delivering the
documents set forth in Section 2.01(b)(I)(iv) and (v)
and Section (b)(II)(ii), (iv), (vii), (ix) and (x) to
the Trustee or the Custodian or Custodians, deliver
such documents to the Master Servicer, and the Master
Servicer shall hold such documents in trust for the use
and benefit of all present and future
Certificateholders and the Owner of Excess Spread until
such time as is set forth below. Within ten Business
Days following the earlier of (i) the receipt of the
original of each of the documents or instruments set
forth in Section 2.01(b)(I)(iv) and (v) and Section
(b)(II)(ii), (iv), (vii), (ix) and (x) (or copies
thereof as permitted by such Section) for any Mortgage
Loan and (ii) a written request by the Trustee to
deliver those documents with respect to any or all of
the Mortgage Loans then being held by the Master
Servicer, the Master Servicer shall deliver a complete
set of such documents to the Trustee or the Custodian
or Custodians that are the duly appointed agent or
agents of the Trustee.
On the Closing Date, the Master Servicer shall
certify that it has in its possession an original or
copy of each of the documents referred to in Section
2.01(b)(I)(iv) and (v) and Section (b)(II)(ii), (iv),
(vii), (ix) and (x) which has been delivered to it by
the Company. Every six months after the Closing Date,
for so long as the Master Servicer is holding documents
pursuant to this Section 2.01(c), the Master Servicer
shall deliver to (i) Moody's if it is one of the Rating
Agencies, (ii) the Trustee and (iii) each Custodian a
report setting forth the status of the documents which
it is holding.
(d) In the event that in connection with any
Mortgage Loan the Company cannot deliver the Mortgage,
any assignment, modification, assumption agreement or
preferred loan agreement (or copy thereof certified by
the public recording office) with evidence of recording
thereon concurrently with the execution and delivery of
this Agreement solely because of a delay caused by the
public recording office where such Mortgage,
assignment, modification, assumption agreement or
preferred loan agreement as the case may be, has been
delivered for recordation, the Company shall deliver or
cause to be delivered to the Trustee or the respective
Custodian a true and correct photocopy of such
Mortgage, assignment, modification, assumption
agreement or preferred loan agreement.
The Company shall promptly cause to be recorded in
the appropriate public office for real property records
the Assignment referred to in clause (I)(iii) of
Section 2.01(b), except in states where, in the
opinion of counsel acceptable to the Trustee and the
Master Servicer, such recording is not required to
protect the Trustee's interests in the Mortgage Loan
against the claim of any subsequent transferee or any
successor to or creditor of the Company or the
originator of such Mortgage Loan and shall promptly
cause to be filed the Form UCC-3 assignment and UCC-1
financing statement referred to in clause (II)(vii) and
(x), respectively, of Section 2.01(b). If any
Assignment, Form UCC-3 or Form UCC-1, as applicable, is
lost or returned unrecorded to the Company because of
any defect therein, the Company shall prepare a
substitute Assignment, Form UCC-3 or Form UCC-1, as
applicable, or cure such defect, as the case may be,
and cause such Assignment to be recorded in accordance
with this paragraph. The Company shall promptly
deliver or cause to be delivered to the Trustee or the
respective Custodian such Mortgage or assignment or
Form UCC-3 or Form UCC-1, as applicable, (or copy
thereof certified by the public recording office) with
evidence of recording indicated thereon upon receipt
thereof from the public recording office or from the
related Subservicer. In connection with its servicing
of Cooperative Loans, the Master Servicer will use its
best efforts to file timely continuation statements
with regard to each financing statement and assignment
relating to Cooperative Loans as to which the related
Cooperative Apartment is located outside of the State
of New York.
Any of the items set forth in Sections
2.01(b)(I)(iv) and (v) and (II)(vi) and (vii) and that
may be delivered as a copy rather than the original may
be delivered in microfiche form.
(e) It is intended that the conveyances by the
Company to the Trustee of the Mortgage Loans as
provided for in this Section 2.01 and the
Uncertificated REMIC I Regular Interests as provided
for in Section 2.06 be construed as a sale by the
Company to the Trustee of the Mortgage Loans and the
Uncertificated REMIC I Regular Interests for the
benefit of the Certificateholders and the Owner of the
Excess Spread. Further, it is not intended that any
such conveyance be deemed to be a pledge of the
Mortgage Loans and the Uncertificated REMIC I Regular
Interests by the Company to the Trustee to secure a
debt or other obligation of the Company. However, in
the event that the Mortgage Loans and the
Uncertificated REMIC I Regular Interests are held to be
property of the Company or of Residential Funding, or
if for any reason this Agreement is held or deemed to
create a security interest in the Mortgage Loans and
the Uncertificated REMIC I Regular Interests, then it
is intended that (a) this Agreement shall also be
deemed to be a security agreement within the meaning of
Articles 8 and 9 of the New York Uniform Commercial
Code and the Uniform Commercial Code of any other
applicable jurisdiction; (b) the conveyance provided
for in Sections 2.01 and 2.06 shall be deemed to be (1)
a grant by the Company to the Trustee of a security
interest in all of the Company's right (including the
power to convey title thereto), title and interest,
whether now owned or hereafter acquired, in and to (A)
the Mortgage Loans, including (i) with respect to each
Cooperative Loan, the related Mortgage Note, Security
Agreement, Assignment of Proprietary Lease, Cooperative
Stock Certificate, Cooperative Lease, any insurance
policies and all other documents in the related
Mortgage File and (ii) with respect to each Mortgage
Loan other than a Cooperative Loan, the related
Mortgage Note, the Mortgage, any insurance policies and
all other documents in the related Mortgage File, (B)
all amounts payable pursuant to the Mortgage Loans in
accordance with the terms thereof, (C) the
Uncertificated REMIC I Regular Interests and (D) any
and all general intangibles consisting of, arising from
or relating to any of the foregoing, and all proceeds
of the conversion, voluntary or involuntary, of the
foregoing into cash, instruments, securities or other
property, including without limitation all amounts from
time to time held or invested in the Certificate
Account or the Custodial Account, whether in the form
of cash, instruments, securities or other property and
(2) an assignment by the Company to the Trustee of any
security interest in any and all of Residential
Funding's right (including the power to convey title
thereto), title and interest, whether now owned or
hereafter acquired, in and to the property described in
the foregoing clauses (1)(A), (B), (C) and (D) granted
by Residential Funding to the Company pursuant to the
Assignment Agreement; (c) the possession by the
Trustee, the Custodian or any other agent of the
Trustee of Mortgage Notes or such other items of
property as constitute instruments, money, negotiable
documents or chattel paper shall be deemed to be
"possession by the secured party," or possession by a
purchaser or a person designated by such secured party,
for purposes of perfecting the security interest
pursuant to the Minnesota Uniform Commercial Code and
the Uniform Commercial Code of any other applicable
jurisdiction (including, without limitation, Section
9-305, 8-313 or 8-321 thereof); and (d) notifications
to persons holding such property, and acknowledgments,
receipts or confirmations from persons holding such
property, shall be deemed notifications to, or
acknowledgments, receipts or confirmations from,
financial intermediaries, bailees or agents (as
applicable) of the Trustee for the purpose of
perfecting such security interest under applicable law.
The Company and, at the Company's direction,
Residential Funding and the Trustee shall, to the
extent consistent with this Agreement, take such
reasonable actions as may be necessary to ensure that,
if this Agreement were deemed to create a security
interest in the Mortgage Loans, the Uncertificated
REMIC I Regular Interests and the other property
described above, such security interest would be deemed
to be a perfected security interest of first priority
under applicable law and will be maintained as such
throughout the term of this Agreement. Without
limiting the generality of the foregoing, the Company
shall prepare and deliver to the Trustee not less than
15 days prior to any filing date and, the Trustee shall
forward for filing, or shall cause to be forwarded for
filing, at the expense of the Company, all filings
necessary to maintain the effectiveness of any original
filings necessary under the Uniform Commercial Code as
in effect in any jurisdiction to perfect the Trustee's
security interest in or lien on the Mortgage Loans and
the Uncertificated REMIC I Regular Interests, as
evidenced by an Officer's Certificate of the Company,
including without limitation (x) continuation
statements, and (y) such other statements as may be
occasioned by (1) any change of name of Residential
Funding, the Company or the Trustee (such preparation
and filing shall be at the expense of the Trustee, if
occasioned by a change in the Trustee's name), (2) any
change of location of the place of business or the
chief executive office of Residential Funding or the
Company, (3) any transfer of any interest of
Residential Funding or the Company in any Mortgage Loan
or (4) any transfer of any interest of Residential
Funding or the Company in any Uncertificated REMIC I
Regular Interest.
(f) The Master Servicer hereby acknowledges
the receipt by it of cash in an amount equal to
$451,016.48 (the "Initial Monthly Payment Fund"),
representing scheduled principal amortization and
interest at the Net Mortgage Rate for the Due Date in
April 1996, for those Mortgage Loans for which the
Trustee will not be entitled to receive such payment.
The Master Servicer shall hold such Initial Monthly
Payment Fund in the Custodial Account and shall include
such Initial Monthly Payment Fund in the Available
Distribution Amount for the Distribution Date in April
1996. Notwithstanding anything herein to the contrary,
the Initial Monthly Payment Fund shall not be an asset
of REMIC I or REMIC II. To the extent that the Initial
Monthly Payment Fund constitutes a reserve fund for
federal income tax purposes, (1) it shall be an outside
reserve fund and not an asset of the REMIC, (2) it
shall be owned by the Seller and (3) amounts
transferred by the REMIC to the Initial Monthly Payment
Fund shall be treated as transferred to the Seller or
any successor, all within the meaning of Section
1.860G-2(h) of the Treasury Regulations.
Section 2.02. Acceptance by Trustee.
The Trustee acknowledges receipt (or, with respect
to Mortgage Loans subject to a Custodial Agreement, and
based solely upon a receipt or certification executed
by the Custodian, receipt by the respective Custodian
as the duly appointed agent of the Trustee) of the
documents referred to in Section 2.01(b)(i) through
(iii) above (except that for purposes of such
acknowledgement only, a Mortgage Note may be endorsed
in blank and an Assignment of Mortgage may be in blank)
and declares that it, or a Custodian as its agent,
holds and will hold such documents and the other
documents constituting a part of the Mortgage Files
delivered to it, or a Custodian as its agent, in trust
for the use and benefit of all present and future
Certificateholders and the Owner of the Excess Spread.
The Trustee or Custodian (such Custodian being so
obligated under a Custodial Agreement) agrees, for the
benefit of Certificateholders and the Owner of the
Excess Spread, to review each Mortgage File delivered
to it pursuant to Section 2.01(b) within 45 days after
the Closing Date to ascertain that all required
documents (specifically as set forth in Section
2.01(b)), have been executed and received, and that
such documents relate to the Mortgage Loans identified
on the Mortgage Loan Schedule, as supplemented, that
have been conveyed to it. Upon delivery of the
Mortgage Files by the Company or the Master Servicer,
the Trustee shall acknowledge receipt (or, with respect
to Mortgage Loans subject to a Custodial Agreement, and
based solely upon a receipt or certification executed
by the Custodian, receipt by the respective Custodian
as the duly appointed agent of the Trustee) of the
documents referred to in Section 2.01(c) above. The
Trustee or Custodian (such Custodian being so obligated
under a Custodial Agreement) agrees to review each
Mortgage File delivered to it pursuant to Section
2.01(c) within 45 days after receipt thereof to
ascertain that all documents required to be delivered
pursuant to such Section have been received, and that
such documents relate to the Mortgage Loans identified
on the Mortgage Loan Schedule, as supplemented, that
have been conveyed to it.
If the Custodian, as the Trustee's agent, finds
any document or documents constituting a part of a
Mortgage File to be missing or defective in any
material respect, the Trustee shall promptly so notify
the Master Servicer and the Company. Pursuant to
Section 2.3 of the Custodial Agreement, the Custodian
will notify the Master Servicer, the Company and the
Trustee of any such omission or defect found by it in
respect of any Mortgage File held by it. The Master
Servicer shall promptly notify the related Subservicer
or Seller of such omission or defect and request that
such Subservicer or Seller correct or cure such
omission or defect within 60 days from the date the
Master Servicer was notified of such omission or defect
and, if such Subservicer or Seller does not correct or
cure such omission or defect within such period, that
such Subservicer or Seller purchase such Mortgage Loan
from REMIC I at its Purchase Price, in either case
within 90 days from the date the Master Servicer was
notified of such omission or defect; provided that if
the omission or defect would cause the Mortgage Loan to
be other than a "qualified mortgage" as defined in
Section 860G(a)(5) of the Code, any such cure or
repurchase must occur within 90 days from the date such
breach was discovered. The Purchase Price for any such
Mortgage Loan, whether purchased by the Seller or the
Subservicer, shall be deposited or caused to be
deposited by the Master Servicer in the Custodial
Account maintained by it pursuant to Section 3.07 and,
upon receipt by the Trustee of written notification of
such deposit signed by a Servicing Officer, the Trustee
or any Custodian, as the case may be, shall release to
the Master Servicer the related Mortgage File and the
Trustee shall execute and deliver such instruments of
transfer or assignment prepared by the Master Servicer,
in each case without recourse, as shall be necessary to
vest in the Seller or its designee or the Subservicer
or its designee, as the case may be, any Mortgage Loan
released pursuant hereto and thereafter such Mortgage
Loan shall not be part of the Trust Fund. It is
understood and agreed that the obligation of the Seller
or the Subservicer, as the case may be, to so cure or
purchase any Mortgage Loan as to which a material
defect in or omission of a constituent document exists
shall constitute the sole remedy respecting such defect
or omission available to Certificateholders and the
Owner of the Excess Spread or the Trustee on behalf of
the Certificateholders or such Owner.
Section 2.03. Representations, Warranties and
Covenants of the Master Servicer and
the Company .
(a) The Master Servicer hereby represents and
warrants to the Trustee for the benefit of the
Certificateholders and the Owner of the Excess Spread
that:
(i) The Master Servicer is a corporation
duly organized, validly existing and in good
standing under the laws governing its creation and
existence and is or will be in compliance with the
laws of each state in which any Mortgaged Property
is located to the extent necessary to ensure the
enforceability of each Mortgage Loan in accordance
with the terms of this Agreement;
(ii) The execution and delivery of this
Agreement by the Master Servicer and its
performance and compliance with the terms of this
Agreement will not violate the Master Servicer's
Certificate of Incorporation or Bylaws or
constitute a default (or an event which, with
notice or lapse of time, or both, would constitute
a material default) under, or result in the
material breach of, any material contract,
agreement or other instrument to which the Master
Servicer is a party or which may be applicable to
the Master Servicer or any of its assets;
(iii) This Agreement, assuming due
authorization, execution and delivery by the
Trustee and the Company, constitutes a valid,
legal and binding obligation of the Master
Servicer, enforceable against it in accordance
with the terms hereof subject to applicable
bankruptcy, insolvency, reorganization, moratorium
and other laws affecting the enforcement of
creditors' rights generally and to general
principles of equity, regardless of whether such
enforcement is considered in a proceeding in
equity or at law;
(iv) The Master Servicer is not in
default with respect to any order or decree of any
court or any order, regulation or demand of any
Federal, state, municipal or governmental agency,
which default might have consequences that would
materially and adversely affect the condition
(financial or other) or operations of the Master
Servicer or its properties or might have
consequences that would materially adversely
affect its performance hereunder;
(v) No litigation is pending or, to the
best of the Master Servicer's knowledge,
threatened against the Master Servicer which would
prohibit its entering into this Agreement or
performing its obligations under this Agreement;
(vi) The Master Servicer will comply in
all material respects in the performance of this
Agreement with all reasonable rules and
requirements of each insurer under each Required
Insurance Policy;
(vii) No information, certificate of an
officer, statement furnished in writing or report
delivered to the Company, any Affiliate of the
Company or the Trustee by the Master Servicer
will, to the knowledge of the Master Servicer,
contain any untrue statement of a material fact or
omit a material fact necessary to make the
information, certificate, statement or report not
misleading; and
(viii) The Master Servicer has examined
each existing, and will examine each new,
Subservicing Agreement and is or will be familiar
with the terms thereof. The terms of each
existing Subservicing Agreement and each
designated Subservicer are acceptable to the
Master Servicer and any new Subservicing
Agreements will comply with the provisions of
Section 3.02.
It is understood and agreed that the representations
and warranties set forth in this Section 2.03(a) shall
survive delivery of the respective Mortgage Files to
the Trustee or any Custodian.
Upon discovery by either the Company, the Master
Servicer, the Trustee or any Custodian of a breach of
any representation or warranty set forth in this
Section 2.03(a) which materially and adversely affects
the interests of the Certificateholders and the Owner
of the Excess Spread in any Mortgage Loan, the party
discovering such breach shall give prompt written
notice to the other parties (any Custodian being so
obligated under a Custodial Agreement). Within 90 days
of its discovery or its receipt of notice of such
breach, the Master Servicer shall either (i) cure such
breach in all material respects or (ii) to the extent
that such breach is with respect to a Mortgage Loan or
a related document, purchase such Mortgage Loan from
the Trust Fund at the Purchase Price and in the manner
set forth in Section 2.02; provided that if the
omission or defect would cause the Mortgage Loan to be
other than a "qualified mortgage" as defined in Section
860G(a)(5) of the Code, any such cure must occur within
90 days from the date such breach was discovered. The
obligation of the Master Servicer to cure such breach
or to so purchase such Mortgage Loan shall constitute
the sole remedy in respect of a breach of a
representation and warranty set forth in this Section
2.03(a) available to the Certificateholders and the
Owner of the Excess Spread or the Trustee on behalf of
the Certificateholders and such Owner.
(b) The Company hereby represents and warrants
to the Trustee for the benefit of Certificateholders
and the Owner of the Excess Spread that as of the
Closing Date (or, if otherwise specified below, as of
the date so specified):
(i) No Mortgage Loan is one month or
more delinquent in payment of principal and
interest as of the Cut-off Date and no Mortgage
Loan has been so delinquent more than once in the
12-month period prior to the Cut-off Date;
(ii) The information set forth in Exhibit
F hereto with respect to each Mortgage Loan or the
Mortgage Loans, as the case may be, is true and
correct in all material respects at the date or
dates respecting which such information is
furnished;
(iii) The Mortgage Loans are
fully-amortizing, fixed-rate mortgage loans with
level Monthly Payments due on the first day of
each month and terms to maturity at origination or
modification of not more than 30 years;
(iv) To the best of the Company's
knowledge, except with respect to three Mortgage
Loans representing approximately 0.3% of the
Mortgage Loans, if a Mortgage Loan is secured by a
Mortgaged Property with a Loan-to-Value Ratio at
origination in excess of 80%, such Mortgage Loan
is the subject of a Primary Insurance Policy that
insures (a) at least 22% of the principal balance
of the Mortgage Loan at origination if the
Loan-to-Value Ratio is between 95.00% and 90.01%,
(b) at least 17% of such balance if the
Loan-to-Value Ratio is between 90.00% and 85.01%,
and (c) at least 12% of such balance if the
Loan-to-Value Ratio is between 85.00% and 80.01%.
To the best of the Company's knowledge, each such
Primary Insurance Policy is in full force and
effect and the Trustee is entitled to the benefits
thereunder;
(v) The issuers of the Primary Insurance
Policies are insurance companies whose
claims-paying abilities are currently acceptable
to each Rating Agency;
(vi) No more than 0.9% of the Mortgage
Loans by aggregate Stated Principal Balance as of
the Cut-off Date are secured by Mortgaged
Properties located in any one zip code area in
California, no more than 0.6% of the Mortgage
Loans by aggregate Stated Principal Balance as of
the Cut-off Date are secured by Mortgaged
Properties located in any one zip code area
outside California, and no more than 0.09% of the
Mortgage Loans by aggregate Stated Principal
Balance as of the Cut-off Date are Cooperative
Loans;
(vii) If the improvements securing a
Mortgage Loan are in a federally designated
special flood hazard area, flood insurance in the
amount required under the Program Guide covers the
related Mortgaged Property (either by coverage
under the federal flood insurance program or by
coverage by private insurers);
(viii) Immediately prior to the
assignment of the Mortgage Loans to the Trustee,
the Company had good title to, and was the sole
owner of, each Mortgage Loan free and clear of any
pledge, lien, encumbrance or security interest
(other than rights to servicing and related
compensation) and such assignment validly
transfers ownership of the Mortgage Loans to the
Trustee free and clear of any pledge, lien,
encumbrance or security interest;
(ix) Approximately 11.63% of the Mortgage
Loans by aggregate Stated Principal Balance as of
the Cut-off Date were underwritten under a reduced
loan documentation program;
(x) Each Mortgagor represented in its
loan application with respect to the related
Mortgage Loan that the Mortgaged Property would be
owner-occupied and therefore would not be an
investor property as of the date of origination of
such Mortgage Loan. No Mortgagor is a corporation
or a partnership;
(xi) Approximately 0.2% of the Mortgage
Loans by aggregate Stated Principal Balance as of
the Cut-off Date were Buydown Mortgage Loans;
(xii) Each Mortgage Loan constitutes a
qualified mortgage under Section 860G(a)(3)(A) of
the Code and Treasury Regulations Section
1.860G-2(a)(1);
(xiii) A policy of title insurance
was effective as of the closing of each Mortgage
Loan and is valid and binding and remains in full
force and effect;
(xiv) With respect to a Mortgage Loan that
is a Cooperative Loan, the Cooperative Stock that
is pledged as security for the Mortgage Loan is
held by a person as a tenant-stockholder (as
defined in Section 216 of the Code) in a
cooperative housing corporation (as defined in
Section 216 of the Code);
(xv) With respect to each Mortgage Loan
originated under a "streamlined" Mortgage Loan
program (through which no new or updated
appraisals of Mortgaged Properties are obtained in
connection with the refinancing thereof), the
related Seller has represented that either (a) the
value of the related Mortgaged Property as of the
date the Mortgage Loan was originated was not less
than the appraised value of such property at the
time of origination of the refinanced Mortgage
Loan or (b) the Loan-to-Value Ratio of the
Mortgage Loan as of the date of origination of the
Mortgage Loan generally meets the Company's
underwriting guidelines;
(xvi) Interest on each Mortgage Loan is
calculated on the basis of a 360-day year
consisting of twelve 30-day months; and
(xvii) Seven of the Mortgage Loans
contain in the related Mortgage File a Destroyed
Mortgage Note.
It is understood and agreed that the representations
and warranties set forth in this Section 2.03(b) shall
survive delivery of the respective Mortgage Files to
the Trustee or any Custodian.
Upon discovery by any of the Company, the Master
Servicer, the Trustee or any Custodian of a breach of
any of the representations and warranties set forth in
this Section 2.03(b) which materially and adversely
affects the interests of the Certificateholders and the
Owner of the Excess Spread in any Mortgage Loan, the
party discovering such breach shall give prompt written
notice to the other parties (any Custodian being so
obligated under a Custodial Agreement); provided,
however, that in the event of a breach of the
representation and warranty set forth in Section
2.03(b)(xii), the party discovering such breach shall
give such notice within five days of discovery. Within
90 days of its discovery or its receipt of notice of
breach, the Company shall either (i) cure such breach
in all material respects or (ii) purchase such Mortgage
Loan from the Trust Fund at the Purchase Price and in
the manner set forth in Section 2.02; provided that the
Company shall have the option to substitute a Qualified
Substitute Mortgage Loan or Loans for such Mortgage
Loan if such substitution occurs within two years
following the Closing Date; provided that if the
omission or defect would cause the Mortgage Loan to be
other than a "qualified mortgage" as defined in Section
860G(a)(5) of the Code, any such cure or repurchase
must occur within 90 days from the date such breach was
discovered. Any such substitution shall be effected by
the Company under the same terms and conditions as
provided in Section 2.04 for substitutions by
Residential Funding. It is understood and agreed that
the obligation of the Company to cure such breach or to
so purchase or substitute for any Mortgage Loan as to
which such a breach has occurred and is continuing
shall constitute the sole remedy respecting such breach
available to the Certificateholders and the Owner of
the Excess Spread or the Trustee on behalf of the
Certificateholders and such Owner. Notwithstanding the
foregoing, the Company shall not be required to cure
breaches or purchase or substitute for Mortgage Loans
as provided in this Section 2.03(b) if the substance of
the breach of a representation set forth above also
constitutes fraud in the origination of the Mortgage
Loan.
Section 2.04. Representations and Warranties
of Sellers.
The Company, as assignee of Residential Funding
under the Assignment Agreement, hereby assigns to the
Trustee for the benefit of Certificateholders and the
Owner of the Excess Spread all of its right, title and
interest in respect of the Assignment Agreement and
each Seller's Agreement applicable to a Mortgage Loan.
Insofar as the Assignment Agreement or such Seller's
Agreement relates to the representations and warranties
made by Residential Funding or the related Seller in
respect of such Mortgage Loan and any remedies provided
thereunder for any breach of such representations and
warranties, such right, title and interest may be
enforced by the Master Servicer on behalf of the
Trustee and the Certificateholders and the Owner of the
Excess Spread. Upon the discovery by the Company, the
Master Servicer, the Trustee or any Custodian of a
breach of any of the representations and warranties
made in a Seller's Agreement or the Assignment
Agreement (which, for purposes hereof, will be deemed
to include any other cause giving rise to a repurchase
obligation under the Assignment Agreement) in respect
of any Mortgage Loan which materially and adversely
affects the interests of the Certificateholders and the
Owner of the Excess Spread in such Mortgage Loan, the
party discovering such breach shall give prompt written
notice to the other parties (any Custodian being so
obligated under a Custodial Agreement). The Master
Servicer shall promptly notify the related Seller or
Residential Funding, as the case may be, of such breach
and request that such Seller or Residential Funding, as
the case may be, either (i) cure such breach in all
material respects within 90 days from the date the
Master Servicer was notified of such breach or (ii)
purchase such Mortgage Loan from the Trust Fund at the
Purchase Price and in the manner set forth in Section
2.02; provided that in the case of a breach under the
Assignment Agreement Residential Funding shall have the
option to substitute a Qualified Substitute Mortgage
Loan or Loans for such Mortgage Loan if such
substitution occurs within two years following the
Closing Date, except that if the breach would cause the
Mortgage Loan to be other than a "qualified mortgage"
as defined in Section 860G(a)(3) of the Code, any such
substitution must occur within 90 days from the date
the breach was discovered. In the event that
Residential Funding elects to substitute a Qualified
Substitute Mortgage Loan or Loans for a Deleted
Mortgage Loan pursuant to this Section 2.04,
Residential Funding shall deliver to the Trustee for
the benefit of the Certificateholders and the Owner of
the Excess Spread with respect to such Qualified
Substitute Mortgage Loan or Loans, the original
Mortgage Note, the Mortgage, an Assignment of the
Mortgage in recordable form, and such other documents
and agreements as are required by Section 2.01, with
the Mortgage Note endorsed as required by Section 2.01.
No substitution will be made in any calendar month
after the Determination Date for such month. Monthly
Payments due with respect to Qualified Substitute
Mortgage Loans in the month of substitution shall not
be part of the Trust Fund and will be retained by the
Master Servicer and remitted by the Master Servicer to
Residential Funding on the next succeeding Distribution
Date. For the month of substitution, distributions to
the Certificateholders and the Owner of the Excess
Spread will include the Monthly Payment due on a
Deleted Mortgage Loan for such month and thereafter
Residential Funding shall be entitled to retain all
amounts received in respect of such Deleted Mortgage
Loan. The Master Servicer shall amend or cause to be
amended the Mortgage Loan Schedule, for the benefit of
the Certificateholders and the Owner of the Excess
Spread to reflect the removal of such Deleted Mortgage
Loan and the substitution of the Qualified Substitute
Mortgage Loan or Loans and the Master Servicer shall
deliver the amended Mortgage Loan Schedule to the
Trustee. Upon such substitution, the Qualified
Substitute Mortgage Loan or Loans shall be subject to
the terms of this Agreement and the related
Subservicing Agreement in all respects, the related
Seller shall be deemed to have made the representations
and warranties with respect to the Qualified Substitute
Mortgage Loan contained in the related Seller's
Agreement as of the date of substitution, and the
Company and the Master Servicer shall be deemed to have
made with respect to any Qualified Substitute Mortgage
Loan or Loans, as of the date of substitution, the
covenants, representations and warranties set forth in
this Section 2.04, in Section 2.03 hereof and in
Section 4 of the Assignment Agreement, and the Master
Servicer shall be obligated to repurchase or substitute
for any Qualified Substitute Mortgage Loan as to which
a Repurchase Event (as defined in the Assignment
Agreement) has occurred pursuant to Section 4 of the
Assignment Agreement.
In connection with the substitution of one or more
Qualified Substitute Mortgage Loans for one or more
Deleted Mortgage Loans, the Master Servicer will
determine the amount (if any) by which the aggregate
principal balance of all such Qualified Substitute
Mortgage Loans as of the date of substitution is less
than the aggregate Stated Principal Balance of all such
Deleted Mortgage Loans (in each case after application
of the principal portion of the Monthly Payments due in
the month of substitution that are to be distributed to
the Certificateholders in the month of substitution).
Residential Funding shall deposit the amount of such
shortfall into the Custodial Account on the day of
substitution, without any reimbursement therefor.
Residential Funding shall give notice in writing to the
Trustee of such event, which notice shall be
accompanied by an Officers' Certificate as to the
calculation of such shortfall and (subject to Section
10.01(f)) by an Opinion of Counsel to the effect that
such substitution will not cause (a) any federal tax to
be imposed on the Trust Fund, including without
limitation, any federal tax imposed on "prohibited
transactions" under Section 860F(a)(1) of the Code or
on "contributions after the startup date" under Section
860G(d)(1) of the Code or (b) any portion of the Trust
Fund to fail to qualify as a REMIC at any time that any
Certificate is outstanding.
It is understood and agreed that the obligation of
the Seller or Residential Funding, as the case may be,
to cure such breach or purchase (or in the case of
Residential Funding to substitute for) such Mortgage
Loan as to which such a breach has occurred and is
continuing shall constitute the sole remedy respecting
such breach available to the Certificateholders and the
Owner of the Excess Spread or the Trustee on behalf of
Certificateholders and such Owner. If the Master
Servicer is Residential Funding, then the Trustee shall
also have the right to give the notification and
require the purchase or substitution provided for in
the second preceding paragraph in the event of such a
breach of a representation or warranty made by
Residential Funding in the Assignment Agreement. In
connection with the purchase of or substitution for any
such Mortgage Loan by Residential Funding, the Trustee
shall assign to Residential Funding all of the right,
title and interest in respect of the Seller's Agreement
and the Assignment Agreement applicable to such
Mortgage Loan.
Section 2.05. Issuance of Certificates Evidencing
Interests in REMIC I Certificates.
The Trustee acknowledges the assignment to it of
the Mortgage Loans and the delivery of the Mortgage
Files to it, or any Custodian on its behalf, subject to
any exceptions noted, together with the assignment to
it of all other assets included in REMIC I, receipt of
which is hereby acknowledged. Concurrently with such
delivery and in exchange therefor, the Trustee,
pursuant to the written request of the Company executed
by an officer of the Company has executed and caused to
be authenticated and delivered to or upon the order of
the Company the Class R-I Certificates in authorized
denominations which together with the Uncertificated
REMIC I Regular Interests, evidence ownership of REMIC
I. The rights of the Class R-I Certificateholders and
REMIC II to receive distributions from the proceeds of
REMIC I in respect of the Class R-I Certificates and
the Uncertificated REMIC I Regular Interests, and all
ownership interests of the Class R-I Certificateholders
and REMIC II in such distributions, shall be as set
forth in this Agreement.
Section 2.06. Conveyance of Uncertificated REMIC I
and REMIC II Regular Interests;
Acceptance by the Trustee.
The Company, as of the Closing Date, and
concurrently with the execution and delivery hereof,
does hereby assign without recourse all the right,
title and interest of the Company in and to the
Uncertificated REMIC I Regular Interests to the Trustee
for the benefit of the Class A-1, Class A-2, Class A-3,
Class A-4, Class A-5, Class A-6, Class A-7, Class A-8,
Class A-9, Class A-10, Class A-11, Class A-12, Class
A-13, Class M-1, Class M-2, Class M-3, Class B-1, Class
B-2, Class B-3 and Class R-II Certificateholders and
the Owner of the Excess Spread. The Trustee acknowl-
edges receipt of the Uncertificated REMIC I Regular
Interests and declares that it holds and will hold the
same in trust for the exclusive use and benefit of all
present and future Class A-1, Class A-2, Class A-3,
Class A-4, Class A-5, Class A-6, Class A-7, Class A-8,
Class A-9, Class A-10, Class A-11, Class A-12, Class
A-13, Class M-1, Class M-2, Class M-3, Class B-1, Class
B-2, Class B-3 and Class R-II Certificateholders and
the Owner of the Excess Spread. The rights of the
Class A-1, Class A-2, Class A-3, Class A-4, Class A-5,
Class A-6, Class A-7, Class A-8, Class A-9, Class A-10,
Class A-11, Class A-12, Class A-13, Class M-1, Class
M-2, Class M-3, Class B-1, Class B-2, Class B-3 and
Class R-II Certificateholders and the Owner of the
Excess Spread to receive distributions from the
proceeds of REMIC II in respect of the Class A-1, Class
A-2, Class A-3, Class A-4, Class A-5, Class A-6, Class
A-7, Class A-8, Class A-9, Class A-10, Class A-11,
Class A-12, Class A-13, Class M-1, Class M-2, Class
M-3, Class B-1, Class B-2, Class B-3 and Class R-II
Certificates and the Excess Spread, and all ownership
interests of the Class A-1, Class A-2, Class A-3, Class
A-4, Class A-5, Class A-6, Class A-7, Class A-8, Class
A-9, Class A-10, Class A-11, Class A-12, Class A-13,
Class M-1, Class M-2, Class M-3, Class B-1, Class B-2,
Class B-3 and Class R-II Certificateholders and the
Owner of the Excess Spread in such distributions, shall
be as set forth in this Agreement.
Section 2.07. Issuance of Certificates Evidencing
Interest in REMIC II.
The Trustee acknowledges the assignment to it of
the Uncertificated REMIC I Regular Interests and,
concurrently therewith and in exchange therefor,
pursuant to the written request of the Company executed
by an officer of the Company, the Trustee has executed
and caused to be authenticated and delivered to or upon
the order of the Company, the Class A-1, Class A-2,
Class A-3, Class A-4, Class A-5, Class A-6, Class A-7,
Class A-8, Class A-9, Class A-10, Class A-11, Class
A-12, Class A-13, Class M-1, Class M-2, Class M-3,
Class B-1, Class B-2, Class B-3 and Class R-II
Certificates in authorized denominations which,
together with the ownership interest in the Excess
Spread, evidence ownership of the entire REMIC II.
ARTICLE III
ADMINISTRATION AND SERVICING
OF MORTGAGE LOANS
Section 3.01. Master Servicer to Act as Servicer.
(a) The Master Servicer shall service and
administer the Mortgage Loans in accordance with the
terms of this Agreement and the respective Mortgage
Loans and shall have full power and authority, acting
alone or through Subservicers as provided in Section
3.02, to do any and all things which it may deem
necessary or desirable in connection with such
servicing and administration. Without limiting the
generality of the foregoing, the Master Servicer in its
own name or in the name of a Subservicer is hereby
authorized and empowered by the Trustee when the Master
Servicer or the Subservicer, as the case may be,
believes it appropriate in its best judgment, to
execute and deliver, on behalf of the
Certificateholders, the Owner of the Excess Spread and
the Trustee or any of them, any and all instruments of
satisfaction or cancellation, or of partial or full
release or discharge, or of consent to assumption or
modification in connection with a proposed conveyance,
or of assignment of any Mortgage and Mortgage Note in
connection with the repurchase of a Mortgage Loan and
all other comparable instruments, or with respect to
the modification or re-recording of a Mortgage for the
purpose of correcting the Mortgage, the subordination
of the lien of the Mortgage in favor of a public
utility company or government agency or unit with
powers of eminent domain, the taking of a deed in lieu
of foreclosure, the completion of judicial or
non-judicial foreclosure, the conveyance of a Mortgaged
Property to an Insurer, the acquisition of any property
acquired by foreclosure or deed in lieu of foreclosure,
or the management, marketing and conveyance of any
property acquired by foreclosure or deed in lieu of
foreclosure with respect to the Mortgage Loans and with
respect to the Mortgaged Properties. Notwithstanding
the foregoing, subject to Section 3.07(a), the Master
Servicer shall not permit any modification with respect
to any Mortgage Loan that would both constitute a sale
or exchange of such Mortgage Loan within the meaning of
Section 1001 of the Code and any proposed, temporary or
final regulations promulgated thereunder (other than in
connection with a proposed conveyance or assumption of
such Mortgage Loan that is treated as a Principal
Prepayment in Full pursuant to Section 3.13(d) hereof)
and causing REMIC I or REMIC II to fail to qualify as
such under the Code. The Trustee shall furnish the
Master Servicer with any powers of attorney and other
documents necessary or appropriate to enable the Master
Servicer to service and administer the Mortgage Loans.
The Trustee shall not be liable for any action taken by
the Master Servicer or any Subservicer pursuant to such
powers of attorney. In servicing and administering any
Nonsubserviced Mortgage Loan, the Master Servicer
shall, to the extent not inconsistent with this
Agreement, comply with the Program Guide as if it were
the originator of such Mortgage Loan and had retained
the servicing rights and obligations in respect
thereof. In connection with servicing and
administering the Mortgage Loans, the Master Servicer
and any Affiliate of the Master Servicer may perform
services such as appraisals and brokerage services that
are not customarily provided by servicers of mortgage
loans, and shall be entitled to reasonable compensation
therefor in accordance with Section 3.10.
(b) All costs incurred by the Master Servicer
or by Subservicers in effecting the timely payment of
taxes and assessments on the properties subject to the
Mortgage Loans shall not, for the purpose of
calculating monthly distributions to the
Certificateholders and the Owner of the Excess Spread,
be added to the amount owing under the related Mortgage
Loans, notwithstanding that the terms of such Mortgage
Loan so permit, and such costs shall be recoverable to
the extent permitted by Section 3.10(a)(ii).
(c) The Master Servicer may enter into one or
more agreements in connection with the offering of
pass-through certificates evidencing interests in one
or more of the Certificates providing for the payment
by the Master Servicer of amounts received by the
Master Servicer as servicing compensation hereunder and
required to cover certain Prepayment Interest
Shortfalls on the Mortgage Loans, which payment
obligation will thereafter be an obligation of the
Master Servicer hereunder.
Section 3.02. Subservicing Agreements Between
Master Servicer and Subservicers;
Enforcement of Subservicers' and
Sellers' Obligations.
(a) The Master Servicer may continue in effect
Subservicing Agreements entered into by Residential
Funding and Subservicers prior to the execution and
delivery of this Agreement, and may enter into new
Subservicing Agreements with Subservicers, for the
servicing and administration of all or some of the
Mortgage Loans. Each Subservicer of a Mortgage Loan
shall be entitled to receive and retain, as provided in
the related Subservicing Agreement and in Section 3.07,
the related Subservicing Fee from payments of interest
received on such Mortgage Loan after payment of all
amounts required to be remitted to the Master Servicer
in respect of such Mortgage Loan. For any Mortgage
Loan that is a Nonsubserviced Mortgage Loan, the Master
Servicer shall be entitled to receive and retain an
amount equal to the Subservicing Fee from payments of
interest. Unless the context otherwise requires,
references in this Agreement to actions taken or to be
taken by the Master Servicer in servicing the Mortgage
Loans include actions taken or to be taken by a
Subservicer on behalf of the Master Servicer. Each
Subservicing Agreement will be upon such terms and
conditions as are generally required or permitted by
the Program Guide and are not inconsistent with this
Agreement and as the Master Servicer and the
Subservicer have agreed. A representative form of
Subservicing Agreement is attached to this Agreement as
Exhibit G. With the approval of the Master Servicer, a
Subservicer may delegate its servicing obligations to
third-party servicers, but such Subservicer will remain
obligated under the related Subservicing Agreement.
The Master Servicer and a Subservicer may enter into
amendments thereto or a different form of Subservicing
Agreement, and the form referred to or included in the
Program Guide is merely provided for information and
shall not be deemed to limit in any respect the
discretion of the Master Servicer to modify or enter
into different Subservicing Agreements; provided,
however, that any such amendments or different forms
shall be consistent with and not violate the provisions
of either this Agreement or the Program Guide in a
manner which would materially and adversely affect the
interests of the Certificateholders or the Owner of the
Excess Spread.
(b) As part of its servicing activities
hereunder, the Master Servicer, for the benefit of the
Trustee, the Certificateholders and the Owner of the
Excess Spread, shall use its best reasonable efforts to
enforce the obligations of each Subservicer under the
related Subservicing Agreement and of each Seller under
the related Seller's Agreement, to the extent that the
non-performance of any such obligation would have a
material and adverse effect on a Mortgage Loan,
including, without limitation, the obligation to
purchase a Mortgage Loan on account of defective
documentation, as described in Section 2.02, or on
account of a breach of a representation or warranty, as
described in Section 2.04. Such enforcement,
including, without limitation, the legal prosecution of
claims, termination of Subservicing Agreements or
Seller's Agreements, as appropriate, and the pursuit of
other appropriate remedies, shall be in such form and
carried out to such an extent and at such time as the
Master Servicer would employ in its good faith business
judgment and which are normal and usual in its general
mortgage servicing activities. The Master Servicer
shall pay the costs of such enforcement at its own
expense, and shall be reimbursed therefor only (i) from
a general recovery resulting from such enforcement to
the extent, if any, that such recovery exceeds all
amounts due in respect of the related Mortgage Loan or
(ii) from a specific recovery of costs, expenses or
attorneys fees against the party against whom such
enforcement is directed.
Section 3.03. Successor Subservicers.
The Master Servicer shall be entitled to terminate
any Subservicing Agreement that may exist in accordance
with the terms and conditions of such Subservicing
Agreement and without any limitation by virtue of this
Agreement; provided, however, that in the event of
termination of any Subservicing Agreement by the Master
Servicer or the Subservicer, the Master Servicer shall
either act as servicer of the related Mortgage Loan or
enter into a Subservicing Agreement with a successor
Subservicer which will be bound by the terms of the
related Subservicing Agreement. If the Master Servicer
or any Affiliate of Residential Funding acts as
servicer, it will not assume liability for the
representations and warranties of the Subservicer which
it replaces. If the Master Servicer enters into a
Subservicing Agreement with a successor Subservicer,
the Master Servicer shall use reasonable efforts to
have the successor Subservicer assume liability for the
representations and warranties made by the terminated
Subservicer in respect of the related Mortgage Loans
and, in the event of any such assumption by the
successor Subservicer, the Master Servicer may, in the
exercise of its business judgment, release the
terminated Subservicer from liability for such
representations and warranties.
Section 3.04. Liability of the Master Servicer.
Notwithstanding any Subservicing Agreement, any of
the provisions of this Agreement relating to agreements
or arrangements between the Master Servicer or a
Subservicer or reference to actions taken through a
Subservicer or otherwise, the Master Servicer shall
remain obligated and liable to the Trustee, the
Certificateholders and the Owner of the Excess Spread
for the servicing and administering of the Mortgage
Loans in accordance with the provisions of Section 3.01
without diminution of such obligation or liability by
virtue of such Subservicing Agreements or arrangements
or by virtue of indemnification from the Subservicer or
the Company and to the same extent and under the same
terms and conditions as if the Master Servicer alone
were servicing and administering the Mortgage Loans.
The Master Servicer shall be entitled to enter into any
agreement with a Subservicer or Seller for
indemnification of the Master Servicer and nothing
contained in this Agreement shall be deemed to limit or
modify such indemnification.
Section 3.05. No Contractual Relationship Between
Subservicer and Trustee or
Certificateholders or the Owner of
the Excess Spread.
Any Subservicing Agreement that may be entered
into and any other transactions or services relating to
the Mortgage Loans involving a Subservicer in its
capacity as such and not as an originator shall be
deemed to be between the Subservicer and the Master
Servicer alone and the Trustee, the Certificateholders
and the Owner of the Excess Spread shall not be deemed
parties thereto and shall have no claims, rights,
obligations, duties or liabilities with respect to the
Subservicer in its capacity as such except as set forth
in Section 3.06. The foregoing provision shall not in
any way limit a Subservicer's obligation to cure an
omission or defect or to repurchase a Mortgage Loan as
referred to in Section 2.02 hereof.
Section 3.06. Assumption or Termination of
Subservicing Agreements by Trustee.
(a) In the event the Master Servicer shall for
any reason no longer be the master servicer (including
by reason of an Event of Default), the Trustee, its
designee or its successor shall thereupon assume all of
the rights and obligations of the Master Servicer under
each Subservicing Agreement that may have been entered
into. The Trustee, its designee or the successor
servicer for the Trustee shall be deemed to have
assumed all of the Master Servicer's interest therein
and to have replaced the Master Servicer as a party to
the Subservicing Agreement to the same extent as if the
Subservicing Agreement had been assigned to the
assuming party except that the Master Servicer shall
not thereby be relieved of any liability or obligations
under the Subservicing Agreement.
(b) The Master Servicer shall, upon request of
the Trustee but at the expense of the Master Servicer,
deliver to the assuming party all documents and records
relating to each Subservicing Agreement and the
Mortgage Loans then being serviced and an accounting of
amounts collected and held by it and otherwise use its
best efforts to effect the orderly and efficient
transfer of each Subservicing Agreement to the assuming
party.
Section 3.07. Collection of Certain Mortgage Loan
Payments; Deposits to
Custodial Account.
(a) The Master Servicer shall make reasonable
efforts to collect all payments called for under the
terms and provisions of the Mortgage Loans, and shall,
to the extent such procedures shall be consistent with
this Agreement and the terms and provisions of any
related Primary Insurance Policy, follow such
collection procedures as it would employ in its good
faith business judgment and which are normal and usual
in its general mortgage servicing activities.
Consistent with the foregoing, the Master Servicer may
in its discretion (i) waive any late payment charge or
any prepayment charge or penalty interest in connection
with the prepayment of a Mortgage Loan and (ii) extend
the Due Date for payments due on a Mortgage Loan in
accordance with the Program Guide; provided, however,
that the Master Servicer shall first determine that any
such waiver or extension will not impair the coverage
of any related Primary Insurance Policy or materially
adversely affect the lien of the related Mortgage.
Consistent with the terms of this Agreement, the Master
Servicer may also waive, modify or vary any term of any
Mortgage Loan or consent to the postponement of strict
compliance with any such term or in any manner grant
indulgence to any Mortgagor if in the Master Servicer's
determination such waiver, modification, postponement
or indulgence is not materially adverse to the
interests of the Certificateholders or the Owner of the
Excess Spread; provided, however, that the Master
Servicer may not modify materially or permit any
Subservicer to modify any Mortgage Loan, including
without limitation any modification that would change
the Mortgage Rate, forgive the payment of any principal
or interest (unless in connection with the liquidation
of the related Mortgage Loan or except in connection
with prepayments to the extent that such reamortization
is not inconsistent with the terms of the Mortgage
Loan), or extend the final maturity date of such
Mortgage Loan, unless such Mortgage Loan is in default
or, in the judgment of the Master Servicer, such
default is reasonably foreseeable. In connection with
any Curtailment of a Mortgage Loan, the Master
Servicer, to the extent not inconsistent with the terms
of the Mortgage Note and local law and practice, may
permit the Mortgage Loan to be reamortized such that
the Monthly Payment is recalculated as an amount that
will fully amortize the remaining Stated Principal
Balance thereof by the original Maturity Date based on
the original Mortgage Rate; provided, that such re-
amortization shall not be permitted if it would
constitute a reissuance of the Mortgage Loan for
federal income tax purposes. In the event of any such
arrangement, the Master Servicer shall make timely
advances on the related Mortgage Loan during the
scheduled period in accordance with the amortization
schedule of such Mortgage Loan without modification
thereof by reason of such arrangements unless otherwise
agreed to by the Holders of the Classes of Certificates
affected thereby.
(b) The Master Servicer shall establish and
maintain a Custodial Account in which the Master
Servicer shall deposit or cause to be deposited on a
daily basis, except as otherwise specifically provided
herein, the following payments and collections remitted
by Subservicers or received by it in respect of the
Mortgage Loans subsequent to the Cut-off Date (other
than in respect of principal and interest on the
Mortgage Loans due on or before the Cut-off Date):
(i) All payments on account of
principal, including Principal Prepayments made by
Mortgagors on the Mortgage Loans and the principal
component of any Subservicer Advance or of any REO
Proceeds received in connection with an REO
Property for which an REO Disposition has
occurred;
(ii) All payments on account of interest
at the Adjusted Mortgage Rate on the Mortgage
Loans, including Buydown Funds, if any, and the
interest component of any Subservicer Advance or
of any REO Proceeds received in connection with an
REO Property for which an REO Disposition has
occurred;
(iii) Insurance Proceeds and Liquidation
Proceeds (net of any related expenses of the
Subservicer);
(iv) All proceeds of any Mortgage Loans
purchased pursuant to Section 2.02, 2.03, 2.04 or
4.07 and all amounts required to be deposited in
connection with the substitution of a Qualified
Substitute Mortgage Loan pursuant to Section 2.03
or 2.04;
(v) Any amounts required to be deposited
pursuant to Section 3.07(c) or 3.21; and
(vi) All amounts transferred from the
Certificate Account to the Custodial Account in
accordance with Section 4.02(a).
The foregoing requirements for deposit in the Custodial
Account shall be exclusive, it being understood and
agreed that, without limiting the generality of the
foregoing, payments on the Mortgage Loans which are not
part of the Trust Fund (consisting of payments in
respect of principal and interest on the Mortgage Loans
due on or before the Cut-off Date) and payments or
collections in the nature of prepayment charges or late
payment charges or assumption fees may but need not be
deposited by the Master Servicer in the Custodial
Account. In the event any amount not required to be
deposited in the Custodial Account is so deposited, the
Master Servicer may at any time withdraw such amount
from the Custodial Account, any provision herein to the
contrary notwithstanding. The Custodial Account may
contain funds that belong to one or more trust funds
created for mortgage pass-through certificates of other
series and may contain other funds respecting payments
on mortgage loans belonging to the Master Servicer or
serviced or master serviced by it on behalf of others.
Notwithstanding such commingling of funds, the Master
Servicer shall keep records that accurately reflect the
funds on deposit in the Custodial Account that have
been identified by it as being attributable to the
Mortgage Loans.
With respect to Insurance Proceeds, Liquidation
Proceeds, REO Proceeds and the proceeds of the purchase
of any Mortgage Loan pursuant to Sections 2.02, 2.03,
2.04 and 4.07 received in any calendar month, the
Master Servicer may elect to treat such amounts as
included in the Available Distribution Amount for the
Distribution Date in the month of receipt, but is not
obligated to do so. If the Master Servicer so elects,
such amounts will be deemed to have been received (and
any related Realized Loss shall be deemed to have
occurred) on the last day of the month prior to the
receipt thereof.
(c) The Master Servicer shall use its best
efforts to cause the institution maintaining the
Custodial Account to invest the funds in the Custodial
Account attributable to the Mortgage Loans in Permitted
Investments which shall mature not later than the
Certificate Account Deposit Date next following the
date of such investment (with the exception of the
Amount Held for Future Distribution) and which shall
not be sold or disposed of prior to their maturities.
All income and gain realized from any such investment
shall be for the benefit of the Master Servicer as
additional servicing compensation and shall be subject
to its withdrawal or order from time to time. The
amount of any losses incurred in respect of any such
investments attributable to the investment of amounts
in respect of the Mortgage Loans shall be deposited in
the Custodial Account by the Master Servicer out of its
own funds immediately as realized.
(d) The Master Servicer shall give notice to
the Trustee and the Company of any change in the
location of the Custodial Account and the location of
the Certificate Account prior to the use thereof.
Section 3.08. Subservicing Accounts;
Servicing Accounts.
(a) In those cases where a Subservicer is
servicing a Mortgage Loan pursuant to a Subservicing
Agreement, the Master Servicer shall cause the
Subservicer, pursuant to the Subservicing Agreement, to
establish and maintain one or more Subservicing
Accounts which shall be an Eligible Account or, if such
account is not an Eligible Account, shall generally
satisfy the requirements of the Program Guide and be
otherwise acceptable to the Master Servicer and each
Rating Agency. The Subservicer will be required
thereby to deposit into the Subservicing Account on a
daily basis all proceeds of Mortgage Loans received by
the Subservicer, less its Subservicing Fees and
unreimbursed advances and expenses, to the extent
permitted by the Subservicing Agreement. If the
Subservicing Account is not an Eligible Account, the
Master Servicer shall be deemed to have received such
monies upon receipt thereof by the Subservicer. The
Subservicer shall not be required to deposit in the
Subservicing Account payments or collections in the
nature of prepayment charges or late charges or
assumption fees. On or before the date specified in
the Program Guide, but in no event later than the
Determination Date, the Master Servicer shall cause the
Subservicer, pursuant to the Subservicing Agreement, to
remit to the Master Servicer for deposit in the
Custodial Account all funds held in the Subservicing
Account with respect to each Mortgage Loan serviced by
such Subservicer that are required to be remitted to
the Master Servicer. The Subservicer will also be
required, pursuant to the Subservicing Agreement, to
advance on such scheduled date of remittance amounts
equal to any scheduled monthly installments of
principal and interest less its Subservicing Fees on
any Mortgage Loans for which payment was not received
by the Subservicer. This obligation to advance with
respect to each Mortgage Loan will continue up to and
including the first of the month following the date on
which the related Mortgaged Property is sold at a
foreclosure sale or is acquired by the Trust Fund by
deed in lieu of foreclosure or otherwise. All such
advances received by the Master Servicer shall be
deposited promptly by it in the Custodial Account.
(b) The Subservicer may also be required,
pursuant to the Subservicing Agreement, to remit to the
Master Servicer for deposit in the Custodial Account
interest at the Adjusted Mortgage Rate on any
Curtailment received by such Subservicer in respect of
a Mortgage Loan from the related Mortgagor during any
month that is to be applied by the Subservicer to
reduce the unpaid principal balance of the related
Mortgage Loan as of the first day of such month, from
the date of application of such Curtailment to the
first day of the following month. Any amounts paid by
a Subservicer pursuant to the preceding sentence shall
be for the benefit of the Master Servicer as additional
servicing compensation and shall be subject to its
withdrawal or order from time to time pursuant to
Sections 3.10(a)(iv) and (v).
(c) In addition to the Custodial Account and
the Certificate Account, the Master Servicer shall for
any Nonsubserviced Mortgage Loan, and shall cause the
Subservicers for Subserviced Mortgage Loans to,
establish and maintain one or more Servicing Accounts
and deposit and retain therein all collections from the
Mortgagors (or advances from Subservicers) for the
payment of taxes, assessments, hazard insurance
premiums, Primary Insurance Policy premiums, if
applicable, or comparable items for the account of the
Mortgagors. Each Servicing Account shall satisfy the
requirements for a Subservicing Account and, to the
extent permitted by the Program Guide or as is
otherwise acceptable to the Master Servicer, may also
function as a Subservicing Account. Withdrawals of
amounts related to the Mortgage Loans from the
Servicing Accounts may be made only to effect timely
payment of taxes, assessments, hazard insurance
premiums, Primary Insurance Policy premiums, if
applicable, or comparable items, to reimburse the
Master Servicer or Subservicer out of related
collections for any payments made pursuant to Sections
3.11 (with respect to the Primary Insurance Policy) and
3.12(a) (with respect to hazard insurance), to refund
to any Mortgagors any sums as may be determined to be
overages, to pay interest, if required, to Mortgagors
on balances in the Servicing Account or to clear and
terminate the Servicing Account at the termination of
this Agreement in accordance with Section 9.01 or in
accordance with the Program Guide. As part of its
servicing duties, the Master Servicer shall, and the
Subservicers will, pursuant to the Subservicing
Agreements, be required to pay to the Mortgagors
interest on funds in this account to the extent
required by law.
(d) The Master Servicer shall advance the
payments referred to in the preceding subsection that
are not timely paid by the Mortgagors or advanced by
the Subservicers on the date when the tax, premium or
other cost for which such payment is intended is due,
but the Master Servicer shall be required so to advance
only to the extent that such advances, in the good
faith judgment of the Master Servicer, will be
recoverable by the Master Servicer out of Insurance
Proceeds, Liquidation Proceeds or otherwise.
Section 3.09. Access to Certain Documentation and
Information Regarding the Mortgage
Loans.
In the event that compliance with this Section
3.09 shall make any Class of Certificates legal for
investment by federally insured savings and loan
associations, the Master Servicer shall provide, or
cause the Subservicers to provide, to the Trustee, the
Office of Thrift Supervision or the FDIC and the
supervisory agents and examiners thereof access to the
documentation regarding the Mortgage Loans required by
applicable regulations of the Office of Thrift
Supervision, such access being afforded without charge
but only upon reasonable request and during normal
business hours at the offices designated by the Master
Servicer. The Master Servicer shall permit such
representatives to photocopy any such documentation and
shall provide equipment for that purpose at a charge
reasonably approximating the cost of such photocopying
to the Master Servicer.
Section 3.10. Permitted Withdrawals from the
Custodial Account.
(a) The Master Servicer may, from time to time
as provided herein, make withdrawals from the Custodial
Account of amounts on deposit therein pursuant to
Section 3.07 that are attributable to the Mortgage
Loans for the following purposes:
(i) to make deposits into the
Certificate Account in the amounts and in the
manner provided for in Section 4.01;
(ii) to reimburse itself or the related
Subservicer for previously unreimbursed advances
or expenses made pursuant to Sections 3.01, 3.08,
3.11, 3.12(a), 3.14 and 4.04 or otherwise
reimbursable pursuant to the terms of this
Agreement, such withdrawal right being limited to
amounts received on particular Mortgage Loans
(including, for this purpose, REO Proceeds,
Insurance Proceeds, Liquidation Proceeds and
proceeds from the purchase of a Mortgage Loan
pursuant to Section 2.02, 2.03, 2.04 or 4.07)
which represent (A) Late Collections of Monthly
Payments for which any such advance was made in
the case of Subservicer Advances or Advances
pursuant to Section 4.04 and (B) recoveries of
amounts in respect of which such advances were
made in the case of Servicing Advances;
(iii) to pay to itself or the related
Subservicer (if not previously retained by such
Subservicer) out of each payment received by the
Master Servicer on account of interest on a
Mortgage Loan as contemplated by Sections 3.14 and
3.16, an amount equal to that remaining portion of
any such payment as to interest (but not in excess
of the Servicing Fee and the Subservicing Fee, if
not previously retained) which, when deducted,
will result in the remaining amount of such
interest being interest at the Net Mortgage Rate
on the amount specified in the amortization
schedule of the related Mortgage Loan as the
principal balance thereof at the beginning of the
period respecting which such interest was paid
after giving effect to any previous Curtailments;
(iv) to pay to itself as additional
servicing compensation any interest or investment
income earned on funds deposited in the Custodial
Account that it is entitled to withdraw pursuant
to Section 3.07(c);
(v) to pay to itself as additional
servicing compensation any Foreclosure Profits,
and any amounts remitted by Subservicers as
interest in respect of Curtailments pursuant to
Section 3.08(b);
(vi) to pay to itself, a Subservicer, a
Seller, Residential Funding, the Company or any
other appropriate Person, as the case may be, with
respect to each Mortgage Loan or property acquired
in respect thereof that has been purchased or
otherwise transferred pursuant to Section 2.02,
2.03, 2.04, 4.07 or 9.01, all amounts received
thereon and not required to be distributed to the
Certificateholders or the Owner of the Excess
Spread as of the date on which the related Stated
Principal Balance or Purchase Price is determined;
(vii) to reimburse itself or the related
Subservicer for any Nonrecoverable Advance or
Advances in the manner and to the extent provided
in subsection (c) below or any Advance
reimbursable to the Master Servicer pursuant to
Section 4.02(a)(iii);
(viii) to reimburse itself or the Company
for expenses incurred by and reimbursable to it or
the Company pursuant to Sections 3.13, 3.14(c),
6.03, 10.01 or otherwise, or in connection with
enforcing any repurchase, substitution or
indemnification obligation of any Seller (other
than an Affiliate of the Company) pursuant to the
related Seller's Agreement;
(ix) to reimburse itself for amounts
expended by it (a) pursuant to Section 3.14 in
good faith in connection with the restoration of
property damaged by an Uninsured Cause, and (b) in
connection with the liquidation of a Mortgage Loan
or disposition of an REO Property to the extent
not otherwise reimbursed pursuant to clause (ii)
or (viii) above; and
(x) to withdraw any amount deposited in
the Custodial Account that was not required to be
deposited therein pursuant to Section 3.07.
(b) Since, in connection with withdrawals
pursuant to clauses (ii), (iii), (v) and (vi), the
Master Servicer's entitlement thereto is limited to
collections or other recoveries on the related Mortgage
Loan, the Master Servicer shall keep and maintain
separate accounting, on a Mortgage Loan by Mortgage
Loan basis, for the purpose of justifying any
withdrawal from the Custodial Account pursuant to such
clauses.
(c) The Master Servicer shall be entitled to
reimburse itself or the related Subservicer for any
advance made in respect of a Mortgage Loan that the
Master Servicer determines to be a Nonrecoverable
Advance by withdrawal from the Custodial Account of
amounts on deposit therein attributable to the Mortgage
Loans on any Certificate Account Deposit Date
succeeding the date of such determination. Such right
of reimbursement in respect of a Nonrecoverable Advance
on any such Certificate Account Deposit Date shall be
limited to an amount not exceeding the portion of such
advance previously paid to Certificateholders and the
Owner of the Excess Spread (and not theretofore
reimbursed to the Master Servicer or the related
Subservicer).
Section 3.11. Maintenance of the Primary
Insurance Policies;
Collections Thereunder.
(a) The Master Servicer shall not take, or
permit any Subservicer to take, any action which would
result in non-coverage under any applicable Primary
Insurance Policy of any loss which, but for the actions
of the Master Servicer or Subservicer, would have been
covered thereunder. To the extent coverage is
available, the Master Servicer shall keep or cause to
be kept in full force and effect each such Primary
Insurance Policy until the principal balance of the
related Mortgage Loan secured by a Mortgaged Property
is reduced to 80% or less of the Appraised Value in the
case of such a Mortgage Loan having a Loan-to-Value
Ratio at origination in excess of 80%, provided that
such Primary Insurance Policy was in place as of the
Cut-off Date and the Company had knowledge of such
Primary Insurance Policy. The Master Servicer shall be
entitled to cancel or permit the discontinuation of any
Primary Insurance Policy as to any Mortgage Loan, if
the Stated Principal Balance of the Mortgage Loan is
reduced below an amount equal to 80% of the appraised
value of the related Mortgaged Property as determined
in any appraisal thereof after the Closing Date, or if
the Loan-to-Value Ratio is reduced below 80% as a
result of principal payments on the Mortgage Loan after
the Closing Date. In the event that the Company gains
knowledge that as of the Closing Date, a Mortgage Loan
had a Loan-to-Value Ratio at origination in excess of
80% and is not the subject of a Primary Insurance
Policy (and was not included in any exception to the
representation in Section 2.03(b)(iv)) and that such
Mortgage Loan has a current Loan-to-Value Ratio in
excess of 80% then the Master Servicer shall use its
reasonable efforts to obtain and maintain a Primary
Insurance Policy to the extent that such a policy is
obtainable at a reasonable price. The Master Servicer
shall not cancel or refuse to renew any such Primary
Insurance Policy applicable to a Nonsubserviced
Mortgage Loan, or consent to any Subservicer canceling
or refusing to renew any such Primary Insurance Policy
applicable to a Mortgage Loan subserviced by it, that
is in effect at the date of the initial issuance of the
Certificates and is required to be kept in force
hereunder unless the replacement Primary Insurance
Policy for such canceled or non-renewed policy is
maintained with an insurer whose claims-paying ability
is acceptable to each Rating Agency for mortgage
pass-through certificates having a rating equal to or
better than the lower of the then-current rating or the
rating assigned to the Certificates as of the Closing
Date by such Rating Agency.
(b) In connection with its activities as
administrator and servicer of the Mortgage Loans, the
Master Servicer agrees to present or to cause the
related Subservicer to present, on behalf of the Master
Servicer, the Subservicer, if any, the Trustee,
Certificateholders and the Owner of the Excess Spread,
claims to the Insurer under any Primary Insurance
Policies, in a timely manner in accordance with such
policies, and, in this regard, to take or cause to be
taken such reasonable action as shall be necessary to
permit recovery under any Primary Insurance Policies
respecting defaulted Mortgage Loans. Pursuant to
Section 3.07, any Insurance Proceeds collected by or
remitted to the Master Servicer under any Primary
Insurance Policies shall be deposited in the Custodial
Account, subject to withdrawal pursuant to Section
3.10.
Section 3.12. Maintenance of Fire Insurance and
Omissions and Fidelity Coverage.
(a) The Master Servicer shall cause to be
maintained for each Mortgage Loan (other than a
Cooperative Loan) fire insurance with extended coverage
in an amount which is equal to the lesser of the
principal balance owing on such Mortgage Loan or 100
percent of the insurable value of the improvements;
provided, however, that such coverage may not be less
than the minimum amount required to fully compensate
for any loss or damage on a replacement cost basis. To
the extent it may do so without breaching the related
Subservicing Agreement, the Master Servicer shall
replace any Subservicer that does not cause such
insurance, to the extent it is available, to be
maintained. The Master Servicer shall also cause to be
maintained on property acquired upon foreclosure, or
deed in lieu of foreclosure, of any Mortgage Loan
(other than a Cooperative Loan), fire insurance with
extended coverage in an amount which is at least equal
to the amount necessary to avoid the application of any
co-insurance clause contained in the related hazard
insurance policy. Pursuant to Section 3.07, any
amounts collected by the Master Servicer under any such
policies (other than amounts to be applied to the
restoration or repair of the related Mortgaged Property
or property thus acquired or amounts released to the
Mortgagor in accordance with the Master Servicer's
normal servicing procedures) shall be deposited in the
Custodial Account, subject to withdrawal pursuant to
Section 3.10. Any cost incurred by the Master Servicer
in maintaining any such insurance shall not, for the
purpose of calculating monthly distributions to the
Certificateholders and the Owner of the Excess Spread,
be added to the amount owing under the Mortgage Loan,
notwithstanding that the terms of the Mortgage Loan so
permit. Such costs shall be recoverable by the Master
Servicer out of related late payments by the Mortgagor
or out of Insurance Proceeds and Liquidation Proceeds
to the extent permitted by Section 3.10. It is
understood and agreed that no earthquake or other
additional insurance is to be required of any Mortgagor
or maintained on property acquired in respect of a
Mortgage Loan other than pursuant to such applicable
laws and regulations as shall at any time be in force
and as shall require such additional insurance.
Whenever the improvements securing a Mortgage Loan
(other than a Cooperative Loan) are located at the time
of origination of such Mortgage Loan in a federally
designated special flood hazard area, the Master
Servicer shall cause flood insurance (to the extent
available) to be maintained in respect thereof. Such
flood insurance shall be in an amount equal to the
lesser of (i) the amount required to compensate for any
loss or damage to the Mortgaged Property on a
replacement cost basis and (ii) the maximum amount of
such insurance available for the related Mortgaged
Property under the national flood insurance program
(assuming that the area in which such Mortgaged
Property is located is participating in such program).
In the event that the Master Servicer shall obtain
and maintain a blanket fire insurance policy with
extended coverage insuring against hazard losses on all
of the Mortgage Loans, it shall conclusively be deemed
to have satisfied its obligations as set forth in the
first sentence of this Section 3.12(a), it being
understood and agreed that such policy may contain a
deductible clause, in which case the Master Servicer
shall, in the event that there shall not have been
maintained on the related Mortgaged Property a policy
complying with the first sentence of this Section
3.12(a) and there shall have been a loss which would
have been covered by such policy, deposit in the
Certificate Account the amount not otherwise payable
under the blanket policy because of such deductible
clause. Any such deposit by the Master Servicer shall
be made on the Certificate Account Deposit Date next
preceding the Distribution Date which occurs in the
month following the month in which payments under any
such policy would have been deposited in the Custodial
Account. In connection with its activities as
administrator and servicer of the Mortgage Loans, the
Master Servicer agrees to present, on behalf of itself,
the Trustee, the Certificateholders and the Owner of
the Excess Spread, claims under any such blanket
policy.
(b) The Master Servicer shall obtain and
maintain at its own expense and keep in full force and
effect throughout the term of this Agreement a blanket
fidelity bond and an errors and omissions insurance
policy covering the Master Servicer's officers and
employees and other persons acting on behalf of the
Master Servicer in connection with its activities under
this Agreement. The amount of coverage shall be at
least equal to the coverage that would be required by
FNMA or FHLMC, whichever is greater, with respect to
the Master Servicer if the Master Servicer were
servicing and administering the Mortgage Loans for FNMA
or FHLMC. In the event that any such bond or policy
ceases to be in effect, the Master Servicer shall
obtain a comparable replacement bond or policy from an
issuer or insurer, as the case may be, meeting the
requirements, if any, of the Program Guide and
acceptable to the Company. Coverage of the Master
Servicer under a policy or bond obtained by an
Affiliate of the Master Servicer and providing the
coverage required by this Section 3.12(b) shall satisfy
the requirements of this Section 3.12(b).
Section 3.13. Enforcement of Due-on-Sale Clauses;
Assumption and Modification
Agreements; Certain Assignments.
(a) When any Mortgaged Property is conveyed by
the Mortgagor, the Master Servicer or Subservicer, to
the extent it has knowledge of such conveyance, shall
enforce any due-on-sale clause contained in any
Mortgage Note or Mortgage, to the extent permitted
under applicable law and governmental regulations, but
only to the extent that such enforcement will not
adversely affect or jeopardize coverage under any
Required Insurance Policy. Notwithstanding the
foregoing:
(i) the Master Servicer shall not be
deemed to be in default under this Section 3.13(a)
by reason of any transfer or assumption which the
Master Servicer is restricted by law from
preventing; and
(ii) if the Master Servicer determines
that it is reasonably likely that any Mortgagor
will bring, or if any Mortgagor does bring, legal
action to declare invalid or otherwise avoid
enforcement of a due-on-sale clause contained in
any Mortgage Note or Mortgage, the Master Servicer
shall not be required to enforce the due-on-sale
clause or to contest such action.
(b) Subject to the Master Servicer's duty to
enforce any due-on-sale clause to the extent set forth
in Section 3.13(a), in any case in which a Mortgaged
Property is to be conveyed to a Person by a Mortgagor,
and such Person is to enter into an assumption or
modification agreement or supplement to the Mortgage
Note or Mortgage which requires the signature of the
Trustee, or if an instrument of release signed by the
Trustee is required releasing the Mortgagor from
liability on the Mortgage Loan, the Master Servicer is
authorized, subject to the requirements of the sentence
next following, to execute and deliver, on behalf of
the Trustee, the assumption agreement with the Person
to whom the Mortgaged Property is to be conveyed and
such modification agreement or supplement to the
Mortgage Note or Mortgage or other instruments as are
reasonable or necessary to carry out the terms of the
Mortgage Note or Mortgage or otherwise to comply with
any applicable laws regarding assumptions or the
transfer of the Mortgaged Property to such Person;
provided, however, none of such terms and requirements
shall both constitute a "significant modification"
effecting an exchange or reissuance of such Mortgage
Loan under the Code (or final, temporary or proposed
Treasury Regulations promulgated thereunder) and cause
either REMIC I or REMIC II to fail to qualify as such
under the Code. The Master Servicer shall execute and
deliver such documents only if it reasonably determines
that (i) its execution and delivery thereof will not
conflict with or violate any terms of this Agreement or
cause the unpaid balance and interest on the Mortgage
Loan to be uncollectible in whole or in part, (ii) any
required consents of insurers under any Required
Insurance Policies have been obtained and (iii)
subsequent to the closing of the transaction involving
the assumption or transfer (A) the Mortgage Loan will
continue to be secured by a first mortgage lien
pursuant to the terms of the Mortgage, (B) such
transaction will not adversely affect the coverage
under any Required Insurance Policies, (C) the Mortgage
Loan will fully amortize over the remaining term
thereof, (D) no material term of the Mortgage Loan
(including the interest rate on the Mortgage Loan) will
be altered nor will the term of the Mortgage Loan be
changed and (E) if the seller/transferor of the
Mortgaged Property is to be released from liability on
the Mortgage Loan, such release will not (based on the
Master Servicer's or Subservicer's good faith
determination) adversely affect the collectability of
the Mortgage Loan. Upon receipt of appropriate
instructions from the Master Servicer in accordance
with the foregoing, the Trustee shall execute any
necessary instruments for such assumption or
substitution of liability as directed by the Master
Servicer. Upon the closing of the transactions
contemplated by such documents, the Master Servicer
shall cause the originals or true and correct copies of
the assumption agreement, the release (if any), or the
modification or supplement to the Mortgage Note or
Mortgage to be delivered to the Trustee or the
Custodian and deposited with the Mortgage File for such
Mortgage Loan. Any fee collected by the Master
Servicer or such related Subservicer for entering into
an assumption or substitution of liability agreement
will be retained by the Master Servicer or such
Subservicer as additional servicing compensation.
(c) The Master Servicer or the related
Subservicer, as the case may be, shall be entitled to
approve a request from a Mortgagor for a partial
release of the related Mortgaged Property, the granting
of an easement thereon in favor of another Person, any
alteration or demolition of the related Mortgaged
Property or other similar matters if it has determined,
exercising its good faith business judgment in the same
manner as it would if it were the owner of the related
Mortgage Loan, that the security for, and the timely
and full collectability of, such Mortgage Loan would
not be adversely affected thereby and that neither
REMIC I nor REMIC II would fail to continue to qualify
as a REMIC under the Code as a result thereof and
(subject to Section 10.01(f)) that no tax on
"prohibited transactions" or "contributions" after the
startup day would be imposed on either REMIC as a
result thereof. Any fee collected by the Master
Servicer or the related Subservicer for processing such
a request will be retained by the Master Servicer or
such Subservicer as additional servicing compensation.
(d) Subject to any other applicable terms and
conditions of this Agreement, the Trustee and Master
Servicer shall be entitled to approve an assignment in
lieu of satisfaction with respect to any Mortgage Loan,
provided the obligee with respect to such Mortgage Loan
following such proposed assignment provides the Trustee
and Master Servicer with a "Lender Certification for
Assignment of Mortgage Loan" in the form attached
hereto as Exhibit O, in form and substance satisfactory
to the Trustee and Master Servicer, providing the
following: (i) that the Mortgage Loan is secured by
Mortgaged Property located in a jurisdiction in which
an assignment in lieu of satisfaction is required to
preserve lien priority, minimize or avoid mortgage
recording taxes or otherwise comply with, or facilitate
a refinancing under, the laws of such jurisdiction;
(ii) that the substance of the assignment is, and is
intended to be, a refinancing of such Mortgage Loan and
that the form of the transaction is solely to comply
with, or facilitate the transaction under, such local
laws; (iii) that the Mortgage Loan following the
proposed assignment will have a rate of interest at
least 0.25 percent below or above the rate of interest
on such Mortgage Loan prior to such proposed
assignment; and (iv) that such assignment is at the
request of the borrower under the related Mortgage
Loan. Upon approval of an assignment in lieu of
satisfaction with respect to any Mortgage Loan, the
Master Servicer shall receive cash in an amount equal
to the unpaid principal balance of and accrued interest
on such Mortgage Loan and the Master Servicer shall
treat such amount as a Principal Prepayment in Full
with respect to such Mortgage Loan for all purposes
hereof.
Section 3.14. Realization Upon Defaulted
Mortgage Loans.
(a) The Master Servicer shall foreclose upon or
otherwise comparably convert (which may include an REO
Acquisition) the ownership of properties securing such
of the Mortgage Loans as come into and continue in
default and as to which no satisfactory arrangements
can be made for collection of delinquent payments
pursuant to Section 3.07. In connection with such
foreclosure or other conversion, the Master Servicer
shall, consistent with Section 3.11, follow such
practices and procedures as it shall deem necessary or
advisable, as shall be normal and usual in its general
mortgage servicing activities and as shall be required
or permitted by the Program Guide; provided that the
Master Servicer shall not be liable in any respect
hereunder if the Master Servicer is acting in
connection with any such foreclosure or other
conversion in a manner that is consistent with the
provisions of this Agreement. The Master Servicer,
however, shall not be required to expend its own funds
or incur other reimbursable charges in connection with
any foreclosure, or attempted foreclosure which is not
completed, or towards the restoration of any property
unless it shall determine (i) that such restoration
and/or foreclosure will increase the proceeds of
liquidation of the Mortgage Loan to Holders of
Certificates of one or more Classes after reimbursement
to itself for such expenses or charges and (ii) that
such expenses or charges will be recoverable to it
through Liquidation Proceeds, Insurance Proceeds, or
REO Proceeds (respecting which it shall have priority
for purposes of withdrawals from the Custodial Account
pursuant to Section 3.10, whether or not such expenses
and charges are actually recoverable from related
Liquidation Proceeds, Insurance Proceeds or REO
Proceeds). In the event of a determination by the
Master Servicer pursuant to this Section 3.14(a), the
Master Servicer shall be entitled to reimbursement of
such amounts pursuant to Section 3.10. Concurrently
with the foregoing, the Master Servicer may pursue any
remedies that may be available in connection with a
breach of a representation and warranty with respect to
any such Mortgage Loan in accordance with Sections 2.03
and 2.04. However, the Master Servicer is not required
to continue to pursue both foreclosure (or similar
remedies) with respect to the Mortgage Loans and
remedies in connection with a breach of a
representation and warranty if the Master Servicer
determines in its reasonable discretion that one such
remedy is more likely to result in a greater recovery
as to the Mortgage Loan. Upon the occurrence of a Cash
Liquidation or REO Disposition, following the deposit
in the Custodial Account of all Insurance Proceeds,
Liquidation Proceeds and other payments and recoveries
referred to in the definition of "Cash Liquidation" or
"REO Disposition," as applicable, upon receipt by the
Trustee of written notification of such deposit signed
by a Servicing Officer, the Trustee or any Custodian,
as the case may be, shall release to the Master
Servicer the related Mortgage File and the Trustee
shall execute and deliver such instruments of transfer
or assignment prepared by the Master Servicer, in each
case without recourse, as shall be necessary to vest in
the Master Servicer or its designee, as the case may
be, the related Mortgage Loan, and thereafter such
Mortgage Loan shall not be part of the Trust Fund.
Notwithstanding the foregoing or any other provision of
this Agreement, in the Master Servicer's sole
discretion with respect to any defaulted Mortgage Loan
or REO Property as to either of the following
provisions, (i) a Cash Liquidation or REO Disposition
may be deemed to have occurred if substantially all
amounts expected by the Master Servicer to be received
in connection with the related defaulted Mortgage Loan
or REO Property have been received, and (ii) for
purposes of determining the amount of any Liquidation
Proceeds, Insurance Proceeds, REO Proceeds or any other
unscheduled collections or the amount of any Realized
Loss, the Master Servicer may take into account minimal
amounts of additional receipts expected to be received
or any estimated additional liquidation expenses
expected to be incurred in connection with the related
defaulted Mortgage Loan or REO Property.
(b) In the event that title to any Mortgaged
Property is acquired by REMIC I as an REO Property by
foreclosure or by deed in lieu of foreclosure, the deed
or certificate of sale shall be issued to the Trustee
or to its nominee on behalf of Certificateholders and
the Owner of the Excess Spread. Notwithstanding any
such acquisition of title and cancellation of the
related Mortgage Loan, such REO Property shall (except
as otherwise expressly provided herein) be considered
to be an Outstanding Mortgage Loan held in REMIC I
until such time as the REO Property shall be sold.
Consistent with the foregoing for purposes of all
calculations hereunder so long as such REO Property
shall be considered to be an Outstanding Mortgage Loan
it shall be assumed that, notwithstanding that the
indebtedness evidenced by the related Mortgage Note
shall have been discharged, such Mortgage Note and the
related amortization schedule in effect at the time of
any such acquisition of title (after giving effect to
any previous Curtailments and before any adjustment
thereto by reason of any bankruptcy or similar
proceeding or any moratorium or similar waiver or grace
period) remain in effect.
(c) In the event that REMIC I acquires any REO
Property as aforesaid or otherwise in connection with a
default or imminent default on a Mortgage Loan, the
Master Servicer shall dispose of such REO Property
within two years after its acquisition by REMIC I for
purposes of Section 860G(a)(8) of the Code or, at the
expense of REMIC I, request, more than 60 days before
the day on which the two-year grace period would
otherwise expire, an extension of the two-year grace
period unless the Master Servicer (subject to Section
10.01(f)) obtains for the Trustee an Opinion of
Counsel, addressed to the Trustee and the Master
Servicer, to the effect that the holding by REMIC I of
such REO Property subsequent to such two-year period
will not result in the imposition of taxes on
"prohibited transactions" as defined in Section 860F of
the Code or cause REMIC I to fail to qualify as a REMIC
at any time that any Uncertificated REMIC I Regular
Interests are outstanding, in which case REMIC I may
continue to hold such REO Property (subject to any
conditions contained in such Opinion of Counsel). The
Master Servicer shall be entitled to be reimbursed from
the Custodial Account for any costs incurred in
obtaining such Opinion of Counsel, as provided in
Section 3.10. Notwithstanding any other provision of
this Agreement, no REO Property acquired by REMIC I
shall be rented (or allowed to continue to be rented)
or otherwise used by or on behalf of REMIC I in such a
manner or pursuant to any terms that would (i) cause
such REO Property to fail to qualify as "foreclosure
property" within the meaning of Section 860G(a)(8) of
the Code or (ii) subject REMIC I to the imposition of
any federal income taxes on the income earned from such
REO Property, including any taxes imposed by reason of
Section 860G(c) of the Code, unless the Master Servicer
has agreed to indemnify and hold harmless REMIC I with
respect to the imposition of any such taxes.
(d) The proceeds of any Cash Liquidation, REO
Disposition or purchase or repurchase of any Mortgage
Loan pursuant to the terms of this Agreement, as well
as any recovery resulting from a collection of
Liquidation Proceeds, Insurance Proceeds or REO
Proceeds, will be applied in the following order of
priority: first, to reimburse the Master Servicer or
the related Subservicer in accordance with Section
3.10(a)(ii); second, to the Certificateholders and the
Owner of the Excess Spread to the extent of accrued and
unpaid interest on the Mortgage Loan, and any related
REO Imputed Interest, at the Net Mortgage Rate to the
Due Date prior to the Distribution Date on which such
amounts are to be distributed; third, to the
Certificateholders as a recovery of principal on the
Mortgage Loan (or REO Property); fourth, to all
Servicing Fees and Subservicing Fees payable therefrom
(and the Master Servicer and the Subservicer shall have
no claims for any deficiencies with respect to such
fees which result from the foregoing allocation); and
fifth, to Foreclosure Profits.
Section 3.15. Trustee to Cooperate;
Release of Mortgage Files.
(a) Upon becoming aware of the payment in full
of any Mortgage Loan, or upon the receipt by the Master
Servicer of a notification that payment in full will be
escrowed in a manner customary for such purposes, the
Master Servicer will immediately notify the Trustee (if
it holds the related Mortgage File) or the Custodian by
a certification of a Servicing Officer (which
certification shall include a statement to the effect
that all amounts received or to be received in
connection with such payment which are required to be
deposited in the Custodial Account pursuant to Section
3.07 have been or will be so deposited), substantially
in one of the forms attached hereto as Exhibit H
requesting delivery to it of the Mortgage File. Upon
receipt of such certification and request, the Trustee
shall promptly release, or cause the Custodian to
release, the related Mortgage File to the Master
Servicer. The Master Servicer is authorized to execute
and deliver to the Mortgagor the request for
reconveyance, deed of reconveyance or release or
satisfaction of mortgage or such instrument releasing
the lien of the Mortgage, together with the Mortgage
Note with, as appropriate, written evidence of
cancellation thereon. No expenses incurred in
connection with any instrument of satisfaction or deed
of reconveyance shall be chargeable to the Custodial
Account or the Certificate Account.
(b) From time to time as is appropriate for the
servicing or foreclosure of any Mortgage Loan, the
Master Servicer shall deliver to the Custodian, with a
copy to the Trustee, a certificate of a Servicing
Officer substantially in one of the forms attached as
Exhibit H hereto, requesting that possession of all, or
any document constituting part of, the Mortgage File be
released to the Master Servicer and certifying as to
the reason for such release and that such release will
not invalidate any insurance coverage provided in
respect of the Mortgage Loan under any Required
Insurance Policy. Upon receipt of the foregoing, the
Trustee shall deliver, or cause the Custodian to
deliver, the Mortgage File or any document therein to
the Master Servicer. The Master Servicer shall cause
each Mortgage File or any document therein so released
to be returned to the Trustee, or the Custodian as
agent for the Trustee when the need therefor by the
Master Servicer no longer exists, unless (i) the
Mortgage Loan has been liquidated and the Liquidation
Proceeds relating to the Mortgage Loan have been
deposited in the Custodial Account or (ii) the Mortgage
File or such document has been delivered directly or
through a Subservicer to an attorney, or to a public
trustee or other public official as required by law,
for purposes of initiating or pursuing legal action or
other proceedings for the foreclosure of the Mortgaged
Property either judicially or non-judicially, and the
Master Servicer has delivered directly or through a
Subservicer to the Trustee a certificate of a Servicing
Officer certifying as to the name and address of the
Person to which such Mortgage File or such document was
delivered and the purpose or purposes of such delivery.
In the event of the liquidation of a Mortgage Loan, the
Trustee shall deliver the Request for Release with
respect thereto to the Master Servicer upon deposit of
the related Liquidation Proceeds in the Custodial
Account.
(c) The Trustee or the Master Servicer on the
Trustee's behalf shall execute and deliver to the
Master Servicer, if necessary, any court pleadings,
requests for trustee's sale or other documents
necessary to the foreclosure or trustee's sale in
respect of a Mortgaged Property or to any legal action
brought to obtain judgment against any Mortgagor on the
Mortgage Note or Mortgage or to obtain a deficiency
judgment, or to enforce any other remedies or rights
provided by the Mortgage Note or Mortgage or otherwise
available at law or in equity. Together with such
documents or pleadings (if signed by the Trustee), the
Master Servicer shall deliver to the Trustee a
certificate of a Servicing Officer requesting that such
pleadings or documents be executed by the Trustee and
certifying as to the reason such documents or pleadings
are required and that the execution and delivery
thereof by the Trustee will not invalidate any
insurance coverage under any Required Insurance Policy
or invalidate or otherwise affect the lien of the
Mortgage, except for the termination of such a lien
upon completion of the foreclosure or trustee's sale.
Section 3.16. Servicing and Other Compensation;
Compensating Interest.
(a) The Master Servicer, as compensation for
its activities hereunder, shall be entitled to receive
on each Distribution Date the amounts provided for by
clauses (iii), (iv), (v) and (vi) of Section 3.10(a),
subject to clause (e) below. The amount of servicing
compensation provided for in such clauses shall be
accounted for on a Mortgage Loan-by-Mortgage Loan
basis. In the event that Liquidation Proceeds,
Insurance Proceeds and REO Proceeds (net of amounts
reimbursable therefrom pursuant to Section 3.10(a)(ii))
in respect of a Cash Liquidation or REO Disposition
exceed the unpaid principal balance of such Mortgage
Loan plus unpaid interest accrued thereon (including
REO Imputed Interest) at the related Net Mortgage Rate,
the Master Servicer shall be entitled to retain
therefrom and to pay to itself and/or the related
Subservicer any Servicing Fee or Subservicing Fee
considered to be accrued but unpaid.
(b) Additional servicing compensation in the
form of prepayment charges, assumption fees, late
payment charges, investment income on amounts in the
Custodial Account or the Certificate Account or
otherwise shall be retained by the Master Servicer or
the Subservicer to the extent provided herein, subject
to clause (e) below.
(c) The Master Servicer shall be required to
pay, or cause to be paid, all expenses incurred by it
in connection with its servicing activities hereunder
(including payment of premiums for the Primary
Insurance Policies, if any, to the extent such premiums
are not required to be paid by the related Mortgagors,
and the fees and expenses of the Trustee and any
Custodian) and shall not be entitled to reimbursement
therefor except as specifically provided in Sections
3.10 and 3.14.
(d) The Master Servicer's right to receive
servicing compensation may not be transferred in whole
or in part except in connection with the transfer of
all of its responsibilities and obligations of the
Master Servicer under this Agreement.
(e) Notwithstanding any other provision herein,
the amount of servicing compensation that the Master
Servicer shall be entitled to receive for its
activities hereunder for the period ending on each
Distribution Date shall be reduced (but not below zero)
by an amount equal to Compensating Interest (if any)
for such Distribution Date. Such reduction shall be
applied during such period as follows: first, to any
Servicing Fee or Subservicing Fee to which the Master
Servicer is entitled pursuant to Section 3.10(a)(iii);
second, to any income or gain realized from any
investment of funds held in the Custodial Account or
the Certificate Account to which the Master Servicer is
entitled pursuant to Sections 3.07(c) or 4.01(b),
respectively; and third, to any amounts of servicing
compensation to which the Master Servicer is entitled
pursuant to Section 3.10(a)(v) or (vi). In making such
reduction, the Master Servicer (i) will not withdraw
from the Custodial Account any such amount representing
all or a portion of the Servicing Fee to which it is
entitled pursuant to Section 3.10(a)(iii); (ii) will
not withdraw from the Custodial Account or Certificate
Account any such amount to which it is entitled
pursuant to Section 3.07(c) or 4.01(b) and (iii) will
not withdraw from the Custodial Account any such amount
of servicing compensation to which it is entitled
pursuant to Section 3.10(a)(v) or (vi).
Section 3.17. Reports to the Trustee
and the Company.
Not later than fifteen days after each
Distribution Date, the Master Servicer shall forward to
the Trustee and the Company a statement, certified by a
Servicing Officer, setting forth the status of the
Custodial Account as of the close of business on such
Distribution Date as it relates to the Mortgage Loans
and showing, for the period covered by such statement,
the aggregate of deposits in or withdrawals from the
Custodial Account in respect of the Mortgage Loans for
each category of deposit specified in Section 3.07 and
each category of withdrawal specified in Section 3.10.
Section 3.18. Annual Statement as to Compliance.
The Master Servicer will deliver to the Company
and the Trustee on or before March 31 of each year,
beginning with the first March 31 that occurs at least
six months after the Cut-off Date, an Officers'
Certificate stating, as to each signer thereof, that
(i) a review of the activities of the Master Servicer
during the preceding calendar year related to its
servicing of mortgage loans and its performance under
pooling and servicing agreements, including this
Agreement, has been made under such officers'
supervision, (ii) to the best of such officers'
knowledge, based on such review, the Master Servicer
has complied in all material respects with the minimum
servicing standards set forth in the Uniform Single
Attestation Program for Mortgage Bankers and has
fulfilled all of its material obligations in all
material respects throughout such year, or, if there
has been material noncompliance with such servicing
standards or a default in the fulfillment in all
material respects of any such obligation relating to
this Agreement, such statement shall include a
description of such noncompliance or specify each such
default, as the case may be, known to such officer and
the nature and status thereof and (iii) to the best of
such officers' knowledge, each Subservicer has complied
in all material respects with the minimum servicing
standards set forth in the Uniform Single Attestation
Program for Mortgage Bankers and has fulfilled all of
its material obligations under its Subservicing
Agreement in all material respects throughout such
year, or, if there has been material noncompliance with
such servicing standards or a material default in the
fulfillment of such obligations relating to this
Agreement, such statement shall include a description
of such noncompliance or specify each such default, as
the case may be, known to such officer and the nature
and status thereof.
Section 3.19. Annual Independent Public
Accountants' Servicing Report.
On or before March 31 of each year, beginning with
the first March 31 that occurs at least six months
after the Cut-off Date, the Master Servicer at its
expense shall cause a firm of independent public
accountants to furnish a report to the Company and the
Trustee stating its opinion that, on the basis of an
examination conducted by such firm substantially in
accordance with standards established by the American
Institute of Certified Public Accountants, the
assertions made pursuant to Section 3.18 regarding
compliance with the minimum servicing standards set
forth in the Uniform Single Attestation Program for
Mortgage Bankers during the preceding calendar year are
fairly stated in all material respects, subject to such
exceptions and other qualifications that, in the
opinion of such firm, such accounting standards require
it to report. In rendering such statement, such firm
may rely, as to matters relating to the direct
servicing of mortgage loans by Subservicers, upon
comparable statements for examinations conducted by
independent public accountants substantially in
accordance with standards established by the American
Institute of Certified Public Accountants (rendered
within one year of such statement) with respect to such
Subservicers.
Section 3.20. Rights of the Company in Respect
of the Master Servicer.
The Master Servicer shall afford the Company, upon
reasonable notice, during normal business hours access
to all records maintained by the Master Servicer in
respect of its rights and obligations hereunder and
access to officers of the Master Servicer responsible
for such obligations. Upon request, the Master
Servicer shall furnish the Company with its most recent
financial statements and such other information as the
Master Servicer possesses regarding its business,
affairs, property and condition, financial or
otherwise. The Master Servicer shall also cooperate
with all reasonable requests for information including,
but not limited to, notices, tapes and copies of files,
regarding itself, the Mortgage Loans or the
Certificates from any Person or Persons identified by
the Company or Residential Funding. The Company may,
but is not obligated to, enforce the obligations of the
Master Servicer hereunder and may, but is not obligated
to, perform, or cause a designee to perform, any
defaulted obligation of the Master Servicer hereunder
or exercise the rights of the Master Servicer
hereunder; provided that the Master Servicer shall not
be relieved of any of its obligations hereunder by
virtue of such performance by the Company or its
designee. The Company shall not have any
responsibility or liability for any action or failure
to act by the Master Servicer and is not obligated to
supervise the performance of the Master Servicer under
this Agreement or otherwise.
Section 3.21. Administration of Buydown Funds.
(a) With respect to any Buydown Mortgage Loan,
the Subservicer has deposited Buydown Funds in an
account that satisfies the requirements for a
Subservicing Account (the "Buydown Account"). The
Master Servicer shall cause the Subservicing Agreement
to require that upon receipt from the Mortgagor of the
amount due on a Due Date for each Buydown Mortgage
Loan, the Subservicer will withdraw from the Buydown
Account the predetermined amount that, when added to
the amount due on such date from the Mortgagor, equals
the full Monthly Payment and transmit that amount in
accordance with the terms of the Subservicing Agreement
to the Master Servicer together with the related
payment made by the Mortgagor or advanced by the
Subservicer.
(b) If the Mortgagor on a Buydown Mortgage Loan
prepays such loan in its entirety during the period
(the "Buydown Period") when Buydown Funds are required
to be applied to such Buydown Mortgage Loan, the
Subservicer shall be required to withdraw from the
Buydown Account and remit any Buydown Funds remaining
in the Buydown Account in accordance with the related
buydown agreement. The amount of Buydown Funds which
may be remitted in accordance with the related buydown
agreement may reduce the amount required to be paid by
the Mortgagor to fully prepay the related Mortgage
Loan. If the Mortgagor on a Buydown Mortgage Loan
defaults on such Mortgage Loan during the Buydown
Period and the property securing such Buydown Mortgage
Loan is sold in the liquidation thereof (either by the
Master Servicer or the insurer under any related
Primary Insurance Policy), the Subservicer shall be
required to withdraw from the Buydown Account the
Buydown Funds for such Buydown Mortgage Loan still held
in the Buydown Account and remit the same to the Master
Servicer in accordance with the terms of the
Subservicing Agreement for deposit in the Custodial
Account or, if instructed by the Master Servicer, pay
to the insurer under any related Primary Insurance
Policy if the Mortgaged Property is transferred to such
insurer and such insurer pays all of the loss incurred
in respect of such default. Any amount so remitted
pursuant to the preceding sentence will be deemed to
reduce the amount owed on the Mortgage Loan.
ARTICLE IV
PAYMENTS TO CERTIFICATEHOLDERS
Section 4.01. Certificate Account.
(a) The Master Servicer on behalf of the
Trustee shall establish and maintain a Certificate
Account in which the Master Servicer shall cause to be
deposited on behalf of the Trustee on or before 2:00
P.M. New York time on each Certificate Account Deposit
Date by wire transfer of immediately available funds an
amount equal to the sum of (i) any Advance for the
immediately succeeding Distribution Date, (ii) any
amount required to be deposited in the Certificate
Account pursuant to Section 3.12(a), (iii) any amount
required to be deposited in the Certificate Account
pursuant to Section 3.16(e) or Section 4.07, (iv) any
amount required to be paid pursuant to Section 9.01 and
(v) all other amounts constituting the Available
Distribution Amount for the immediately succeeding
Distribution Date.
(b) The Trustee shall, upon written request
from the Master Servicer, invest or cause the
institution maintaining the Certificate Account to
invest the funds in the Certificate Account in
Permitted Investments designated in the name of the
Trustee for the benefit of the Certificateholders and
the Owner of the Excess Spread, which shall mature not
later than the Business Day next preceding the
Distribution Date next following the date of such
investment (except that (i) any investment in the
institution with which the Certificate Account is
maintained may mature on such Distribution Date and
(ii) any other investment may mature on such
Distribution Date if the Trustee shall advance funds on
such Distribution Date to the Certificate Account in
the amount payable on such investment on such
Distribution Date, pending receipt thereof to the
extent necessary to make distributions on the
Certificates) and shall not be sold or disposed of
prior to maturity. Subject to Section 3.16(e), all
income and gain realized from any such investment shall
be for the benefit of the Master Servicer and shall be
subject to its withdrawal or order from time to time.
The amount of any losses incurred in respect of any
such investments shall be deposited in the Certificate
Account by the Master Servicer out of its own funds
immediately as realized without any right of
reimbursement.
Section 4.02. Distributions.
(a) On each Distribution Date (i) the Master
Servicer on behalf of the Trustee or (ii) the Paying
Agent appointed by the Trustee, shall distribute to the
Owner of the Excess Spread, a distribution thereof
pursuant to Section 4.02(a)(i), to the Master Servicer,
in the case of a distribution pursuant to Section
4.02(a)(iii), the amount required to be distributed to
the Master Servicer or a Subservicer pursuant to
Section 4.02(a)(iii), and to each Certificateholder of
record on the next preceding Record Date (other than as
provided in Section 9.01 respecting the final
distribution) either in immediately available funds (by
wire transfer or otherwise) to the account of such
Certificateholder at a bank or other entity having
appropriate facilities therefor, if such
Certificateholder has so notified the Master Servicer
or the Paying Agent, as the case may be, or, if such
Certificateholder has not so notified the Master
Servicer or the Paying Agent by the Record Date, by
check mailed to such Certificateholder at the address
of such Holder appearing in the Certificate Register
such Certificateholder's share (based on the aggregate
of the Percentage Interests represented by Certificates
of the applicable Class held by such Holder) of the
following amounts, in the following order of priority
(subject to the provisions of Section 4.02(b)), in each
case to the extent of the Available Distribution
Amount:
(i) to the Class A Certificateholders
(other than the Class A-8 Certificateholders),
Class R Certificateholders and the Owner of the
Excess Spread, on a pro rata basis based on
Accrued Certificate Interest payable on such
Certificates and the amount of Excess Spread with
respect to such Distribution Date, Accrued
Certificate Interest on such Classes of
Certificates and such Excess Spread, as
applicable, for such Distribution Date, plus any
Accrued Certificate Interest thereon or Excess
Spread remaining unpaid from any previous
Distribution Date except as provided in the last
paragraph of this Section 4.02(a);
(ii) to the Class A Certificateholders
and Class R Certificateholders, in the priorities
and amounts set forth in Section 4.02(b)(i)
through (iv) and Section 4.02(c) and (d), the sum
of the following (applied to reduce the
Certificate Principal Balances of such Class A
Certificates or Class R Certificates, as
applicable):
(A) the Senior Percentage for such
Distribution Date times the sum of the
following:
(1) the principal portion of each
Monthly Payment due during the related
Due Period on each Outstanding Mortgage
Loan, whether or not received on or
prior to the related Determination
Date, minus the principal portion of
any Debt Service Reduction which
together with other Bankruptcy Losses
exceeds the Bankruptcy Amount;
(2) the Stated Principal Balance
of any Mortgage Loan repurchased during
the related Prepayment Period (or
deemed to have been so repurchased in
accordance with Section 3.07(b))
pursuant to Section 2.02, 2.03, 2.04 or
4.07 and the amount of any shortfall
deposited in the Custodial Account in
connection with the substitution of a
Deleted Mortgage Loan pursuant to
Section 2.03 or 2.04 during the related
Prepayment Period; and
(3) the principal portion of all
other unscheduled collections (other
than Principal Prepayments in Full and
Curtailments and amounts received in
connection with a Cash Liquidation or
REO Disposition of a Mortgage Loan
described in Section 4.02(a)(ii)(B),
including without limitation Insurance
Proceeds, Liquidation Proceeds and REO
Proceeds) received during the related
Prepayment Period (or deemed to have
been so received in accordance with
Section 3.07(b)) to the extent applied
by the Master Servicer as recoveries of
principal of the related Mortgage Loan
pursuant to Section 3.14;
(B) with respect to each Mortgage Loan
for which a Cash Liquidation or a REO
Disposition occurred during the related
Prepayment Period (or was deemed to have
occurred during such period in accordance
with Section 3.07(b)) and did not result in
any Excess Special Hazard Losses, Excess
Fraud Losses, Excess Bankruptcy Losses or
Extraordinary Losses, an amount equal to
the lesser of (a) the Senior Percentage for
such Distribution Date times the Stated
Principal Balance of such Mortgage Loan and
(b) the Senior Accelerated Distribution
Percentage for such Distribution Date times
the related unscheduled collections
(including without limitation Insurance
Proceeds, Liquidation Proceeds and REO
Proceeds) to the extent applied by the
Master Servicer as recoveries of principal
of the related Mortgage Loan pursuant to
Section 3.14;
(C) the Senior Accelerated Distribution
Percentage for such Distribution Date times
the aggregate of all Principal Prepayments
in Full and Curtailments received in the
related Prepayment Period;
(D) the Accrual Distribution Amount;
(E) any Excess Subordinate Principal
Amount for such Distribution Date;
(F) any amounts described in subsection
(ii)(Y), clauses (A), (B), (C) and (D) of
this Section 4.02(a), as determined for any
previous Distribution Date, which remain
unpaid after application of amounts
previously distributed pursuant to this
clause (F) to the extent that such amounts
are not attributable to Realized Losses
which have been allocated to the Class M
Certificates or Class B Certificates;
(iii) if the Certificate Principal
Balances of the Class M Certificates and Class B
Certificates have not been reduced to zero, to the
Master Servicer or a Subservicer, by remitting for
deposit to the Custodial Account, to the extent of
and in reimbursement for any Advances or
Subservicer Advances previously made with respect
to any Mortgage Loan or REO Property which remain
unreimbursed in whole or in part following the
Cash Liquidation or REO Disposition of such
Mortgage Loan or REO Property, minus any such
Advances that were made with respect to
delinquencies that ultimately constituted Excess
Special Hazard Losses, Excess Fraud Losses, Excess
Bankruptcy Losses or Extraordinary Losses;
(iv) to the Holders of the Class M-1
Certificates, the Accrued Certificate Interest
thereon for such Distribution Date, plus any
Accrued Certificate Interest thereon remaining
unpaid from any previous Distribution Date, except
as provided below;
(v) to the Holders of the Class M-1
Certificates, an amount equal to the Subordinate
Principal Distribution Amount for such Class of
Certificates for such Distribution Date, applied
in reduction of the Certificate Principal Balance
of the Class M-1 Certificates;
(vi) to the Holders of the Class M-2
Certificates, the Accrued Certificate Interest
thereon for such Distribution Date, plus any
Accrued Certificate Interest thereon remaining
unpaid from any previous Distribution Date, except
as provided below;
(vii) to the Holders of the Class M-2
Certificates, an amount equal to the Subordinate
Principal Distribution Amount for such Class of
Certificates for such Distribution Date, applied
in reduction of the Certificate Principal Balance
of the Class M-2 Certificates;
(viii) to the Holders of the Class M-3
Certificates, the Accrued Certificate Interest
thereon for such Distribution Date, plus any
Accrued Certificate Interest thereon remaining
unpaid from any previous Distribution Date, except
as provided below;
(ix) to the Holders of the Class M-3
Certificates, an amount equal to the Subordinate
Principal Distribution Amount for such Class of
Certificates for such Distribution Date, applied
in reduction of the Certificate Principal Balance
of the Class M-3 Certificates;
(x) to the Holders of the Class B-1
Certificates, the Accrued Certificate Interest
thereon for such Distribution Date, plus any
Accrued Certificate Interest thereon remaining
unpaid from any previous Distribution Date, except
as provided below;
(xi) to the Holders of the Class B-1
Certificates, an amount equal to the Subordinate
Principal Distribution Amount for such Class of
Certificates for such Distribution Date, applied
in reduction of the Certificate Principal Balance
of the Class B-1 Certificates;
(xii) to the Holders of the Class B-2
Certificates, the Accrued Certificate Interest
thereon for such Distribution Date, plus any
Accrued Certificate Interest thereon remaining
unpaid from any previous Distribution Date, except
as provided below;
(xiii) to the Holders of the Class B-2
Certificates, an amount equal to the Subordinate
Principal Distribution Amount for such Class of
Certificates for such Distribution Date, applied
in reduction of the Certificate Principal Balance
of the Class B-2 Certificates;
(xiv) to the Holders of the Class B-3
Certificates, an amount equal to the Accrued
Certificate Interest thereon for such Distribution
Date, plus any Accrued Certificate Interest
thereon remaining unpaid from any previous
Distribution Date, except as provided below;
(xv) to the Holders of the Class B-3
Certificates, an amount equal to the Subordinate
Principal Distribution Amount for such Class of
Certificates for such Distribution Date, applied
in reduction of the Certificate Principal Balance
of the Class B-3 Certificates;
(xvi) to the Class A Certificateholders
and Class R Certificateholders in the priority set
forth in Section 4.02(b), the portion, if any, of
the Available Distribution Amount remaining after
the foregoing distributions, applied to reduce the
Certificate Principal Balances of such Class A and
Class R Certificates, but in no event more than
the aggregate of the outstanding Certificate
Principal Balances of each such Class of Class A
and Class R Certificates, and thereafter, to each
Class of Class M Certificates then outstanding
beginning with such Class with the lowest
numerical designation, any portion of the
Available Distribution Amount remaining after the
Class A Certificates and Class R Certificates have
been retired, applied to reduce the Certificate
Principal Balance of each such Class of Class M
Certificates, but in no event more than the
outstanding Certificate Principal Balance of each
such Class of Class M Certificates; and thereafter
to each such Class of Class B Certificates then
outstanding beginning with such Class with the
lowest numerical designation, any portion of the
Available Distribution Amount remaining after the
Class M Certificates have been retired, applied to
reduce the Certificate Principal Balance of each
such Class of Class B Certificates, but in no
event more than the outstanding Certificate
Principal Balance of each such Class of Class B
Certificates; and
(xvii) to the Class R-I
Certificateholders, the balance, if any, of the
Available Distribution Amount.
Notwithstanding the foregoing, on any Distribution
Date, with respect to the Class of Class B Certificates
outstanding on such Distribution Date with the highest
numerical designation, or in the event the Class B
Certificates are no longer outstanding, the Class of
Class M Certificates then outstanding with the highest
numerical designation, or in the event the Class B
Certificates and Class M Certificates are no longer
outstanding, the Class A and Class R Certificates,
Accrued Certificate Interest thereon remaining unpaid
and Excess Spread remaining unpaid from any previous
Distribution Date will be distributable only to the
extent that such unpaid Accrued Certificate Interest or
Excess Spread was attributable to interest shortfalls
relating to Nonrecoverable Advances as determined by
the Master Servicer with respect to the related
Mortgage Loan where such Mortgage Loan has not yet been
the subject of a Cash Liquidation or REO Disposition.
(b) Distributions of principal on the Class A
Certificates (other than the Class A-9 Certificates, to
the extent of Class A-9 Component A, Class A-9
Component E and Class A-9 Component H) and Class R
Certificates on each Distribution Date occurring prior
to the occurrence of the Credit Support Depletion Date
will be made as follows:
(i) an amount equal to the sum of the
following shall be distributed concurrently to the
Class A-10 Certificates and Class A-11
Certificates, on a pro rata basis in proportion to
their respective Certificate Principal Balances,
in reduction of the respective Certificate
Principal Balances thereof:
(A) the Prepayment Lockout
Certificates' pro rata share (based on
the aggregate Certificate Principal
Balance thereof relative to the
aggregate Certificate Principal Balance
of all classes of Senior Certificates)
of the aggregate of the amounts set
forth in Sections 4.02(a)(ii)(A), (E)
and (F); and
(B) (1) for any Distribution Date
occurring prior to the Distribution
Date occurring in April 2001, 0% of
the amounts set forth in Sections
4.02(ii)(B) and (C);
(2) for any Distribution Date on
and after the Distribution Date
occurring in April 2001 and prior
to the Distribution Date occurring
in April 2002, 30% of the
Prepayment Lockout Certificates'
pro rata share (based on the
aggregate Certificate Principal
Balance thereof relative to the
aggregate Certificate Principal
Balance of all classes of Senior
Certificates) of the amounts set
forth in Sections 4.02(ii)(B) and
(C);
(3) for any Distribution Date on
and after the Distribution Date
occurring in April 2002 and prior
to the Distribution Date occurring
in April 2003, 40% of the
Prepayment Lockout Certificates'
pro rata share (based on the
aggregate Certificate Principal
Balance thereof relative to the
aggregate Certificate Principal
Balance of all classes of Senior
Certificates) of the amounts set
forth in Sections 4.02(ii)(B) and
(C);
(4) for any Distribution Date on
and after the Distribution Date
occurring in April 2003 and prior
to the Distribution Date occurring
in April 2004, 60% of the
Prepayment Lockout Certificates'
pro rata share (based on the
aggregate Certificate Principal
Balance thereof relative to the
aggregate Certificate Principal
Balance of all classes of Senior
Certificates) of the amounts set
forth in Sections 4.02(ii)(B) and
(C);
(5) for any Distribution Date on
and after the Distribution Date
occurring in April 2004 and prior
to the Distribution Date occurring
in April 2005, 80% of the
Prepayment Lockout Certificates'
pro rata share (based on the
aggregate Certificate Principal
Balance thereof relative to the
aggregate Certificate Principal
Balance of all classes of Senior
Certificates) of the amounts set
forth in Sections 4.02(ii)(B) and
(C); and
(6) for any Distribution Date on
and after the Distribution Date
occurring in April 2005, 100% of
the Prepayment Lockout
Certificates' pro rata share (based
on the aggregate Certificate
Principal Balance thereof relative
to the aggregate Certificate
Principal Balance of all classes of
Senior Certificates) of the amounts
set forth in Sections 4.02(ii)(B)
and (C);
provided that if the aggregate of the
amounts set forth in clauses
4.02(a)(ii)(A) through (F) is more than
the balance of the Available
Distribution Amount remaining after the
Senior Interest Distribution Amount has
been distributed, the amount paid to
the Prepayment Lockout Certificates
pursuant to this Section 4.02(b)(i)
shall be reduced by an amount equal to
the Prepayment Lockout Certificates'
pro rata share of such difference, and
provided further that if on any
Distribution Date the Certificate
Principal Balance of the Class A
Certificates (other than the Prepayment
Lockout Certificates) and Class R
Certificates has been reduced to zero,
the Prepayment Lockout Certificates
will be entitled to receive 100% of the
Senior Principal Distribution Amount
for such Distribution Date;
(ii) an amount equal to the Accrual
Distribution Amount shall be distributed,
sequentially, to the Class A-4 Certificates and
Class A-9 Certificates, with the amount
distributed to the Class A-9 Certificates to be
allocated in reduction of Class A-9 Component C,
in each case until the Certificate Principal
Balance or amount thereof has been reduced to
zero;
(iii) the balance of the Senior Principal
Distribution Amount, if any, remaining after the
distributions described in Sections 4.02(b)(i) and
(ii) above (the "Adjusted Senior Principal
Distribution Amount") shall be distributed to the
Class R-I Certificates and Class R-II
Certificates, concurrently, with the amount so
distributed allocated to the Class R-I
Certificates and Class R-II Certificates on a pro
rata basis in proportion to the respective
Certificate Principal Balances of such
Certificates, until their respective Certificate
Principal Balances are reduced to zero;
(iv) the balance of the Adjusted Senior
Principal Distribution Amount, if any, remaining
after the distribution described in Section
4.02(b)(iii) above shall be distributed
concurrently as follows:
(A) 50.0074102452% of such amount shall
be distributed as follows:
(1) 47.8337636027%, 43.6131374025%
and 8.5530989948% concurrently to
the Class A-1, Class A-2 and Class
A-9 Certificates, respectively,
with the amount distributed to the
Class A-9 Certificates to be
allocated in reduction of the Class
A-9 Component B thereof, until the
Certificate Principal Balance of
the Class A-2 Certificates has been
reduced to zero;
(2) 47.8337636027%, 43.6131374025%
and 8.5530989948% concurrently to
the Class A-1, Class A-3 and Class
A-9 Certificates, respectively,
with the amount distributed to the
Class A-9 Certificates to be
allocated in reduction of the Class
A-9 Component B thereof, until the
Certificate Principal Balances of
the Class A-1 Certificates and
Class A-3 Certificates have been
reduced to zero;
(3) to the Class A-9 Certificates,
in reduction of the Class A-9
Component B thereof, until the
amount of such Component has been
reduced to zero;
(4) to the Class A-4 Certificates,
until the Certificate Principal
Balance thereof has been reduced to
zero;
(5) to the Class A-9 Certificates,
in reduction of the Class A-9
Component C thereof, until the
amount of such Component has been
reduced to zero; and
(6) to the Class A-9 Certificates,
in reduction of the Class A-9
Component D thereof, until the
amount of such Component has been
reduced to zero; and
(B) 49.9925897548% of such amount shall
be distributed as follows:
(1) an amount equal to the lesser
of (1) the amount set forth in
Section 4.02(b)(iv)(B) and (2) the
aggregate amount necessary to
reduce the outstanding Certificate
Principal Balances of the TAC
Certificates and the outstanding
amounts of the TAC Components to
their respective Targeted Principal
Balances of each such class or
Component for such Distribution
Date, shall be distributed in
reduction of the Certificate
Principal Balances of the TAC
Certificates and the amounts of the
TAC Components as follows:
(aa) first, 28.1375080016%,
8.5530989948% and
63.3093930036% concurrently to
the Class A-5 Certificates,
Class A-9 Certificates (with
the amount distributed to the
Class A-9 Certificates to be
allocated in reduction of the
Class A-9 Component F) and
Class A-12 Certificates, until
the Certificate Principal
Balances of the Class A-5
Certificates and Class A-12
Certificates and the amount of
the Class A-9 Component F have
been reduced to their Targeted
Principal Balances or the
Certificate Principal Balance
of the Class A-12 Certificates
has been reduced to zero;
(bb) second, 28.1375080016%,
8.5530989948% and
63.3093930036% concurrently to
the Class A-5 Certificates,
Class A-9 Certificates (with
the amount distributed to the
Class A-9 Certificates to be
allocated in reduction of the
Class A-9 Component F) and
Class A-13 Certificates, until
the Certificate Principal
Balances of the Class A-5
Certificates and Class A-13
Certificates and the amount of
the Class A-9 Component F have
been reduced to their Targeted
Principal Balances or the
Certificate Principal Balance
of the Class A-13 Certificates
has been reduced to zero;
(cc) third, to the Class A-6
Certificates, until the
Certificate Principal Balance
thereof has been reduced to
its Targeted Principal
Balance; and
(dd) fourth, to the Class A-9
Certificates, in reduction of
the Class A-9 Component G
thereof, until the amount of
such Component has been
reduced to its Targeted
Principal Balance;
(2) the balance, if any, remaining
after the distributions described
in clause (B)(1) above, shall be
distributed as follows:
(aa) first, concurrently to
the Class A-7 Certificates and
Class A-8 Certificates, on a
pro rata basis in proportion
to their respective
Certificate Principal
Balances, until the
Certificate Principal Balances
thereof have been reduced to
zero;
(bb) second, 28.1375080016%,
8.5530989948% and
63.3093930036% concurrently to
the Class A-5 Certificates,
Class A-9 Certificates (with
the amount distributed to the
Class A-9 Certificates to be
allocated in reduction of the
Class A-9 Component F) and
Class A-12 Certificates,
without regard to the Targeted
Principal Balances thereof,
until the Certificate
Principal Balance of the Class
A-12 Certificates has been
reduced to zero;
(cc) third, concurrently to
the Class A-5 Certificates,
Class A-9 Certificates (with
the amount distributed to the
Class A-9 Certificates to be
allocated in reduction of the
Class A-9 Component F) and
Class A-13 Certificates, on a
pro rata basis in proportion
to their respective then-
current Certificate Principal
Balances of the Class A-5 and
Class A-13 Certificates and
the amount of Class A-9
Component F, without regard to
the Targeted Principal
Balances thereof, until the
Certificate Principal Balances
of the Class A-5 Certificates
and Class A-13 Certificates
and the amount of the Class A-
9 Component F have been
reduced to zero;
(dd) fourth, to the Class A-6
Certificates, without regard
to the Targeted Principal
Balance thereof, until the
Certificate Principal Balance
thereof has been reduced to
zero; and
(ee) fifth, to the Class A-9
Certificates, in reduction of
the Class A-9 Component G
thereof, without regard for
the Targeted Principal Balance
thereof, until the amount of
such Component has been
reduced to zero.
(c) On or after the occurrence of the Credit
Support Depletion Date but prior to the reduction of
the Certificate Principal Balance of the Senior Support
Certificates to zero, all priorities relating to
distributions as described above in respect of
principal among the various classes of Class A
Certificates and Class R Certificates will be
disregarded and the Senior Principal Distribution
Amount will be distributed among all classes of Class A
Certificates and Class R Certificates pro rata in
accordance with their respective outstanding
Certificate Principal Balances and the amount set forth
in Section 4.02(a)(i) will be distributed as set forth
therein; provided that the aggregate amount
distributable to the Super Senior Certificates and
Senior Support Certificates in respect of the aggregate
Accrued Certificate Interest thereon and in respect of
their collective pro rata portion of the Senior
Principal Distribution Amount will be distributed among
such Certificates in the following priority: first, to
the Super Senior Certificates, up to an amount equal to
the Accrued Certificate Interest thereon; second, to
the Super Senior Certificates, the Super Senior Optimal
Principal Distribution Amount thereof, in reduction of
the Certificate Principal Balance thereof until such
Certificate Principal Balances has been reduced to
zero; third, to the Senior Support Certificates, up to
an amount equal to the Accrued Certificate Interest
thereon; and fourth, to the Senior Support
Certificates, the remainder of the amount so
distributable among the Super Senior Certificates and
Senior Support Certificates, until the Certificate
Principal Balance thereof is reduced to zero.
(d) On or after the occurrence of the Credit
Support Depletion Date and upon reduction of the
Certificate Principal Balance of the Senior Support
Certificates to zero, all priorities relating to
distributions as described above in respect of
principal among the various classes of Class A
Certificates and Class R Certificates will be
disregarded and the Senior Principal Distribution
Amount will be distributed among all classes of Class A
Certificates and Class R Certificates pro rata in
accordance with their respective outstanding
Certificate Principal Balances.
(e) On each Distribution Date prior to the
Accretion Termination Date, an amount equal to the
Accrued Certificate Interest that would otherwise be
distributed on the Class A-9 Certificates in respect of
Class A-9 Component D shall be added to the amount of
such Component (the amount so added, the "Accrual
Distribution Amount"); provided that if the Accretion
Termination Date is the Credit Support Depletion Date,
the entire amount of Accrued Certificate Interest on
Class A-9 Component D for such Distribution Date will
be paid in respect of Class A-9 Component D to the
Holders of the Class A-9 Certificates. On or after the
Accretion Termination Date, the entire amount of
Accrued Certificate Interest on Class A-9 Component D
for such Distribution Date shall be payable in respect
of Class A-9 Component D to the Holders of the Class
A-9 Certificates to the extent not required to reduce
the Certificate Principal Balance of the Class A-4
Certificates to zero and reduce the amount of Class A-9
Component C to zero on such Accretion Termination Date.
Any such Accrued Certificate Interest on Class A-9
Component D which is required to be paid to reduce the
Certificate Principal Balance the Class A-4
Certificates and reduce the amount of Class A-9
Component C to zero on the Accretion Termination Date
will be added to the amount of Class A-9 Component D in
the manner described in the first sentence of this
Section 4.02(e).
(f) In addition to the foregoing distributions,
with respect to any Mortgage Loan that was previously
the subject of a Cash Liquidation or an REO Disposition
that resulted in a Realized Loss, in the event that
within two years of the date on which such Realized
Loss was determined to have occurred the Master
Servicer receives amounts, which the Master Servicer
reasonably believes to represent subsequent recoveries
(net of any related liquidation expenses), or
determines that it holds surplus amounts previously
reserved to cover estimated expenses, specifically
related to such Mortgage Loan (including, but not
limited to, recoveries in respect of the
representations and warranties made by the related
Seller pursuant to the applicable Seller's Agreement),
the Master Servicer shall distribute such amounts to
the applicable Certificateholders of the Class or
Classes to which such Realized Loss was allocated or to
the Owner of the Excess Spread, if applicable, (with
the amounts to be distributed allocated among such
Classes and the Excess Spread in the same proportions
as such Realized Loss was allocated), subject to the
following: No such distribution shall be in an amount
that would result in total distributions in respect of
Excess Spread or on the Certificates of any such Class
in excess of the total amounts of principal and
interest that would have been distributable thereon if
such Cash Liquidation or REO Disposition had occurred
but had resulted in a Realized Loss equal to zero.
Notwithstanding the foregoing, no such distribution
shall be made with respect to the Excess Spread or the
Certificates of any Class to the extent that either (i)
such Excess Spread or Class was protected against the
related Realized Loss pursuant to any instrument or
fund established under Section 11.01(e) or (ii) such
Excess Spread or Class of Certificates has been
deposited into a separate trust fund or other
structuring vehicle and separate certificates or other
instruments representing interests therein have been
issued in one or more classes, and any of such separate
certificates or other instruments was protected against
the related Realized Loss pursuant to any limited
guaranty, payment obligation, irrevocable letter of
credit, surety bond, insurance policy or similar
instrument or a reserve fund, or a combination thereof.
Any amount to be so distributed with respect to the
Certificates of any Class shall be distributed by the
Master Servicer to the Certificateholders of record as
of the Record Date immediately preceding the date of
such distribution, on a pro rata basis based on the
Percentage Interest represented by each Certificate of
such Class as of such Record Date. Any amounts to be
so distributed shall not be remitted to or distributed
from the Trust Fund, and shall constitute subsequent
recoveries with respect to Mortgage Loans that are no
longer assets of the Trust Fund.
(g) Each distribution with respect to a
Book-Entry Certificate shall be paid to the Depository,
as Holder thereof, and the Depository shall be
responsible for crediting the amount of such
distribution to the accounts of its Depository
Participants in accordance with its normal procedures.
Each Depository Participant shall be responsible for
disbursing such distribution to the Certificate Owners
that it represents and to each indirect participating
brokerage firm (a "brokerage firm" or "indirect
participating firm") for which it acts as agent. Each
brokerage firm shall be responsible for disbursing
funds to the Certificate Owners that it represents.
None of the Trustee, the Certificate Registrar, the
Company or the Master Servicer shall have any
responsibility therefor except as otherwise provided by
this Agreement or applicable law.
(h) Except as otherwise provided in Section
9.01, if the Master Servicer anticipates that a final
distribution with respect to any Class of Certificates
will be made on the next Distribution Date, the Master
Servicer shall, no later than the Determination Date in
the month of such final distribution, notify the
Trustee and the Trustee shall, no later than two
(2) Business Days after such Determination Date, mail
on such date to each Holder of such Class of
Certificates a notice to the effect that: (i) the
Trustee anticipates that the final distribution with
respect to such Class of Certificates will be made on
such Distribution Date but only upon presentation and
surrender of such Certificates at the office of the
Trustee or as otherwise specified therein, and (ii) no
interest shall accrue on such Certificates from and
after the end of the prior calendar month. In the
event that Certificateholders required to surrender
their Certificates pursuant to Section 9.01(c) do not
surrender their Certificates for final cancellation,
the Trustee shall cause funds distributable with
respect to such Certificates to be withdrawn from the
Certificate Account and credited to a separate escrow
account for the benefit of such Certificateholders as
provided in Section 9.01(d).
Section 4.03. Statements to Certificateholders
and the Owner of the Excess Spread.
(a) Concurrently with each distribution charged
to the Certificate Account and with respect to each
Distribution Date the Master Servicer shall forward to
the Trustee and the Trustee shall forward by mail to
each Holder, the Owner of the Excess Spread and the
Company a statement setting forth the following
information as to the Excess Spread and each Class of
Certificates to the extent applicable:
(i) (a) the amount of such distribution
to the Certificateholders of such Class applied to
reduce the Certificate Principal Balance thereof,
and (b) the aggregate amount included therein
representing Principal Prepayments;
(ii) the amount of such distribution to
Holders of such Class of Certificates allocable to
interest and to the Owner of the Excess Spread;
(iii) if the distribution to the Holders
of such Class of Certificates or such Owner is
less than the full amount that would be
distributable to such Holders or Owner if there
were sufficient funds available therefor, the
amount of the shortfall;
(iv) the amount of any Advance by the
Master Servicer pursuant to Section 4.04;
(v) the number and Pool Stated
Principal Balance of the Mortgage Loans after
giving effect to the distribution of principal on
such Distribution Date;
(vi) the aggregate Certificate Principal
Balance of each Class of Certificates, and each of
the Senior, Class M and Class B Percentages, after
giving effect to the amounts distributed on such
Distribution Date, separately identifying any
reduction thereof due to Realized Losses other
than pursuant to an actual distribution of
principal;
(vii) the related Subordinate Principal
Distribution Amount and Prepayment Distribution
Percentage, if applicable;
(viii) on the basis of the most recent
reports furnished to it by Subservicers, the
number and aggregate principal balances of
Mortgage Loans that are delinquent (A) one month,
(B) two months and (C) three months and the number
and aggregate principal balance of Mortgage Loans
that are in foreclosure;
(ix) the number, aggregate principal
balance and book value of any REO Properties;
(x) the aggregate Accrued Certificate
Interest remaining unpaid, if any, for each Class
of Certificates, after giving effect to the
distribution made on such Distribution Date;
(xi) the Special Hazard Amount, Fraud
Loss Amount and Bankruptcy Amount as of the close
of business on such Distribution Date and a
description of any change in the calculation of
such amounts;
(xii) the weighted average Spread Rate
for such Distribution Date;
(xiii) the occurrence of the Credit
Support Depletion Date and the Accretion
Termination Date;
(xiv) the Senior Accelerated Distribution
Percentage applicable to such distribution;
(xv) the Senior Percentage for such
Distribution Date;
(xvi) the aggregate amount of Realized
Losses for such Distribution Date;
(xvii) the aggregate amount of any
recoveries on previously foreclosed loans from
Sellers due to a breach of representation or
warranty;
(xviii) the weighted average remaining term
to maturity of the Mortgage Loans after giving
effect to the amounts distributed on such
Distribution Date; and
(xix) the weighted average Mortgage Rates
of the Mortgage Loans after giving effect to the
amounts distributed on such Distribution Date.
In the case of information furnished pursuant to
clauses (i) and (ii) above, the amounts shall be
expressed as a dollar amount per Certificate with a
$1,000 denomination. In addition to the statement
provided to the Trustee as set forth in this Section
4.03(a), the Master Servicer shall provide to any
manager of a trust fund consisting of some or all of
the Certificates, upon reasonable request, such
additional information as is reasonably obtainable by
the Master Servicer at no additional expense to the
Master Servicer.
(b) Within a reasonable period of time after
the end of each calendar year, the Master Servicer
shall prepare, or cause to be prepared, and shall
forward, or cause to be forwarded, to each Person who
at any time during the calendar year was the Owner of
the Excess Spread or the Holder of a Certificate, other
than a Class R Certificate, a statement containing the
information set forth in clauses (i) and (ii) of
subsection (a) above aggregated for such calendar year
or applicable portion thereof during which such Person
was a Certificateholder. Such obligation of the Master
Servicer shall be deemed to have been satisfied to the
extent that substantially comparable information shall
be provided by the Master Servicer pursuant to any
requirements of the Code.
(c) Within a reasonable period of time after
the end of each calendar year, the Master Servicer
shall prepare, or cause to be prepared, and shall
forward, or cause to be forwarded, to each Person who
at any time during the calendar year was the Holder of
a Class R Certificate, a statement containing the
applicable distribution information provided pursuant
to this Section 4.03 aggregated for such calendar year
or applicable portion thereof during which such Person
was the Holder of a Class R Certificate. Such
obligation of the Master Servicer shall be deemed to
have been satisfied to the extent that substantially
comparable information shall be provided by the Master
Servicer pursuant to any requirements of the Code.
(d) Upon the written request of any
Certificateholder, the Master Servicer, as soon as
reasonably practicable, shall provide the requesting
Certificateholder with such information as is necessary
and appropriate, in the Master Servicer's sole
discretion, for purposes of satisfying applicable
reporting requirements under Rule 144A.
Section 4.04. Distribution of Reports to the
Trustee and the Company; Advances
by the Master Servicer.
(a) Prior to the close of business on the
Business Day next succeeding each Determination Date,
the Master Servicer shall furnish a written statement
to the Trustee, any Paying Agent and the Company (the
information in such statement to be made available to
Certificateholders and the Owner of the Excess Spread
by the Master Servicer on request) setting forth (i)
the Available Distribution Amount and (ii) the amounts
required to be withdrawn from the Custodial Account and
deposited into the Certificate Account on the
immediately succeeding Certificate Account Deposit Date
pursuant to clause (iii) of Section 4.01(a). The
determination by the Master Servicer of such amounts
shall, in the absence of obvious error, be
presumptively deemed to be correct for all purposes
hereunder and the Trustee shall be protected in relying
upon the same without any independent check or
verification.
(b) On or before 2:00 P.M. New York time on
each Certificate Account Deposit Date, the Master
Servicer shall either (i) deposit in the Certificate
Account from its own funds, or funds received therefor
from the Subservicers, an amount equal to the Advances
to be made by the Master Servicer in respect of the
related Distribution Date, which shall be in an
aggregate amount equal to the aggregate amount of
Monthly Payments (with each interest portion thereof
adjusted to the Net Mortgage Rate), less the amount of
any related Debt Service Reductions or reductions in
the amount of interest collectable from the Mortgagor
pursuant to the Soldiers' and Sailors' Civil Relief Act
of 1940, as amended, or similar legislation or
regulations then in effect, on the Outstanding Mortgage
Loans as of the related Due Date, which Monthly
Payments were delinquent as of the close of business as
of the related Determination Date; provided that no
Advance shall be made if it would be a Nonrecoverable
Advance, (ii) withdraw from amounts on deposit in the
Custodial Account and deposit in the Certificate
Account all or a portion of the Amount Held for Future
Distribution in discharge of any such Advance, or (iii)
make advances in the form of any combination of (i) and
(ii) aggregating the amount of such Advance. Any
portion of the Amount Held for Future Distribution so
used shall be replaced by the Master Servicer by
deposit in the Certificate Account on or before 11:00
A.M. New York time on any future Certificate Account
Deposit Date to the extent that funds attributable to
the Mortgage Loans that are available in the Custodial
Account for deposit in the Certificate Account on such
Certificate Account Deposit Date shall be less than
payments to Certificateholders and the Excess Spread
required to be made on the following Distribution Date.
The Master Servicer shall be entitled to use any
Advance made by a Subservicer as described in Section
3.07(b) that has been deposited in the Custodial
Account on or before such Distribution Date as part of
the Advance made by the Master Servicer pursuant to
this Section 4.04. The amount of any reimbursement
pursuant to Section 4.02(a)(iii) in respect of
outstanding Advances on any Distribution Date shall be
allocated to specific Monthly Payments due but
delinquent for previous Due Periods, which allocation
shall be made, to the extent practicable, to Monthly
Payments which have been delinquent for the longest
period of time. Such allocations shall be conclusive
for purposes of reimbursement to the Master Servicer
from recoveries on related Mortgage Loans pursuant to
Section 3.10.
The determination by the Master Servicer that it
has made a Nonrecoverable Advance or that any proposed
Advance, if made, would constitute a Nonrecoverable
Advance, shall be evidenced by a certificate of a
Servicing Officer delivered to the Seller and the
Trustee.
In the event that the Master Servicer determines
as of the Business Day preceding any Certificate
Account Deposit Date that it will be unable to deposit
in the Certificate Account an amount equal to the
Advance required to be made for the immediately
succeeding Distribution Date, it shall give notice to
the Trustee of its inability to advance (such notice
may be given by telecopy), not later than 3:00 P.M.,
New York time, on such Business Day, specifying the
portion of such amount that it will be unable to
deposit. Not later than 3:00 P.M., New York time, on
the Certificate Account Deposit Date the Trustee shall,
unless by 12:00 Noon, New York time, on such day the
Trustee shall have been notified in writing (by
telecopy) that the Master Servicer shall have directly
or indirectly deposited in the Certificate Account such
portion of the amount of the Advance as to which the
Master Servicer shall have given notice pursuant to the
preceding sentence, pursuant to Section 7.01, (a)
terminate all of the rights and obligations of the
Master Servicer under this Agreement in accordance with
Section 7.01 and (b) assume the rights and obligations
of the Master Servicer hereunder, including the
obligation to deposit in the Certificate Account an
amount equal to the Advance for the immediately
succeeding Distribution Date.
The Trustee shall deposit all funds it receives
pursuant to this Section 4.04 into the Certificate
Account.
Section 4.05. Allocation of Realized Losses.
Prior to each Distribution Date, the Master
Servicer shall determine the total amount of Realized
Losses, if any, that resulted from any Cash
Liquidation, Debt Service Reduction, Deficient
Valuation or REO Disposition that occurred during the
related Prepayment Period. The amount of each Realized
Loss shall be evidenced by an Officers' Certificate.
All Realized Losses, other than Excess Special Hazard
Losses, Extraordinary Losses, Excess Bankruptcy Losses
or Excess Fraud Losses, shall be allocated as follows:
first, to the Class B-3 Certificates until the
Certificate Principal Balance thereof has been reduced
to zero; second, to the Class B-2 Certificates until
the Certificate Principal Balance thereof has been
reduced to zero; third, to the Class B-1 Certificates
until the Certificate Principal Balance thereof has
been reduced to zero; fourth, to the Class M-3
Certificates until the Certificate Principal Balance
thereof has been reduced to zero; fifth, to the Class
M-2 Certificates until the Certificate Principal
Balance thereof has been reduced to zero; sixth, to the
Class M-1 Certificates until the Certificate Principal
Balance thereof has been reduced to zero; and,
thereafter, among all the Class A Certificates, Class R
Certificates and, in respect of the interest portion of
such Realized Losses, the Excess Spread, on a pro rata
basis, as described below; except that the principal
portion of Defaulted Mortgage Losses otherwise
allocable to the Super Senior Certificates will be
allocated to the Senior Support Certificates until the
Certificate Principal Balance of the Senior Support
Certificates is reduced to zero. Any Realized Losses
allocated to the Class A-9 Certificates pursuant to
this Section 4.05 will be allocated among the Class A-9
Component B, Class A-9 Component C, Class A-9 Component
D, Class A-9 Component F and Class A-9 Component G on a
pro rata basis in the case of the principal portion of
such Realized Losses and to the Class A-9 Component A,
Class A-9 Component B, Class A-9 Component C, Class A-9
Component D, Class A-9 Component E, Class A-9 Component
F, Class A-9 Component G and Class A-9 Component H on a
pro rata basis in the case of the interest portion of
such Realized Losses.. Any Excess Special Hazard
Losses, Excess Bankruptcy Losses, Excess Fraud Losses
and Extraordinary Losses will be allocated among the
Class A, Class M, Class B and Class R Certificates,
and, in respect of the interest portion of such
Realized Losses, the Excess Spread, on a pro rata
basis, as described below.
As used herein, an allocation of a Realized Loss
on a "pro rata basis" among two or more specified
Classes of Certificates and the Excess Spread or among
two or more Components means an allocation on a pro
rata basis, among the various Classes so specified and
the Excess Spread or among the various Components, to
each such Class of Certificates or each such Component
on the basis of their then outstanding Certificate
Principal Balances or amounts prior to giving effect to
distributions to be made on such Distribution Date in
the case of the principal portion of a Realized Loss or
based on the Accrued Certificate Interest thereon or
amount of Excess Spread payable on such Distribution
Date (without regard to any Compensating Interest for
such Distribution Date) in the case of an interest
portion of a Realized Loss; provided that in
determining the Certificate Principal Balance of the
Class A-9 Certificates for the purpose of allocating
any portion of a Realized Loss thereto, the Certificate
Principal Balance of the Class A-9 Certificates shall
be deemed to be equal to the sum of the amounts of the
Class A-9 Component B, the Class A-9 Component C, Class
A-9 Component D, Class A-9 Component F and the Class
A-9 Component G and the amount of the Class A-9
Component D shall be deemed to be the lesser of (i) the
original amount of such Component and (ii) the amount
of such Component prior to giving effect to
distributions to be made on such Distribution Date.
Except as provided in the following sentence, any
allocation of the principal portion of Realized Losses
(other than Debt Service Reductions) to a Class of
Certificates shall be made by reducing the Certificate
Principal Balance thereof by the amount so allocated,
which allocation shall be deemed to have occurred on
such Distribution Date. Any allocation of the principal
portion of Realized Losses (other than Debt Service
Reductions) to the Class B Certificates or, after the
Certificate Principal Balances of the Class B
Certificates have been reduced to zero, to the Class of
Class M Certificates then outstanding with the highest
numerical designation shall be made by operation of the
definition of "Certificate Principal Balance" and by
operation of the provisions of Section 4.02(a).
Allocations of the interest portions of Realized Losses
shall be made by operation of the definition of
"Accrued Certificate Interest" and by operation of the
provisions of Section 4.02(a). Allocations of the
principal portion of Debt Service Reductions shall be
made by operation of the provisions of Section 4.02(a).
All Realized Losses and all other losses allocated to a
Class of Certificates hereunder will be allocated among
the Certificates of such Class in proportion to the
Percentage Interests evidenced thereby.
Section 4.06. Reports of Foreclosures and
Abandonment of Mortgaged Property.
The Master Servicer or the Subservicers shall file
information returns with respect to the receipt of
mortgage interests received in a trade or business, the
reports of foreclosures and abandonments of any
Mortgaged Property and the information returns relating
to cancellation of indebtedness income with respect to
any Mortgaged Property required by Sections 6050H,
6050J and 6050P, respectively, of the Code, and deliver
to the Trustee an Officers' Certificate on or before
March 31 of each year stating that such reports have
been filed. Such reports shall be in form and
substance sufficient to meet the reporting requirements
imposed by Sections 6050H, 6050J and 6050P of the Code.
Section 4.07. Optional Purchase of Defaulted
Mortgage Loans.
As to any Mortgage Loan which is delinquent in
payment by 90 days or more, the Master Servicer may, at
its option, purchase such Mortgage Loan from the
Trustee at the Purchase Price therefor. If at any time
the Master Servicer makes a payment to the Certificate
Account covering the amount of the Purchase Price for
such a Mortgage Loan, and the Master Servicer provides
to the Trustee a certification signed by a Servicing
Officer stating that the amount of such payment has
been deposited in the Certificate Account, then the
Trustee shall execute the assignment of such Mortgage
Loan at the request of the Master Servicer without
recourse to the Master Servicer which shall succeed to
all the Trustee's right, title and interest in and to
such Mortgage Loan, and all security and documents
relative thereto. Such assignment shall be an
assignment outright and not for security. The Master
Servicer will thereupon own such Mortgage, and all such
security and documents, free of any further obligation
to the Trustee or the Certificateholders with respect
thereto. Notwithstanding anything to the contrary in
this Section 4.07, the Master Servicer shall continue
to service any such Mortgage Loan after the date of
such purchase in accordance with the terms of this
Agreement and, if any Realized Loss with respect to
such Mortgage Loan occurs, allocate such Realized Loss
in accordance with the terms hereof as if such Mortgage
Loan had not been so purchased. For purposes of this
Agreement, a payment of the Purchase Price by the
Master Servicer pursuant to this Section 4.07 will be
viewed as an advance and any Realized Loss shall be
recoverable pursuant to the provisions for the recovery
of advances as set forth herein.
Section 4.08. Distributions on the Uncertificated
REMIC I and REMIC II Regular
Interests.
(a) On each Distribution Date the Trustee
shall be deemed to distribute to itself, as the holder
of the Uncertificated REMIC I Regular Interests, the
Uncertificated REMIC I Regular Interest Distribution
Amounts in the following order of priority to the
extent of the Available Distribution Amount reduced by
distributions made to the Class R-I Certificates
pursuant to Section 4.02(a):
(i) Uncertificated Accrued Interest on the
Uncertificated REMIC I Regular Interests for such
Distribution Date, plus any Uncertificated Accrued
Interest thereon remaining unpaid from any
previous Distribution Date; and
(ii) In accordance with the priority set
forth in Section 4.08(b), an amount equal to the
sum of the amounts in respect of principal
distributable on the Class A-1, Class A-2, Class
A-3, Class A-4, Class A-5, Class A-6, Class A-7,
Class A-8, Class A-10, Class A-11, Class A-12,
Class A-13, Class M-1, Class M-2, Class M-3, Class
B-1, Class B-2, Class B-3 and Class R-II
Certificates and Class A-9 Component B, Class A-9
Component C, Class A-9 Component D, Class A-9
Component F and Class A-9 Component G under
Section 4.02(a), as allocated thereto pursuant to
Section 4.02(b).
(b) The amount described in Section
4.08(a)(ii) shall be deemed distributed to (i)
Uncertificated REMIC I Regular Interest V, (ii)
Uncertificated REMIC I Regular Interest W, (iii)
Uncertificated REMIC I Regular Interest X and (iv)
Uncertificated REMIC I Regular Interest Y with the
amount to be distributed allocated among such interests
in accordance with the priority assigned to the (i)
Class A-1, Class A-2 and Class A-3 Certificates, (ii)
Class A-4 Certificates, (iii) Class A-5, Class A-12 and
Class A-13 Certificates and (iv) Class A-6, Class A-7,
Class A-8, Class A-10, Class A-11, Class M-1, Class
M-2, Class M-3, Class B-1, Class B-2, Class B-3 and
Class R-II Certificates and Class A-9 Component B,
Class A-9 Component C, Class A-9 Component D, Class A-9
Component F and Class A-9 Component G, respectively,
under Section 4.02(b) until the Uncertificated
Principal Balance of each such interest is reduced to
zero.
(c) The portion of the Uncertificated REMIC
I Regular Interest Distribution Amounts described in
Section 4.08(a)(ii) shall be deemed distributed by
REMIC I to REMIC II in accordance with the priority
assigned to the REMIC II Certificates relative to that
assigned to the REMIC I Certificates under Section
4.02(b).
(d) In determining from time to time the
Uncertificated REMIC I Regular Interest V Distribution
Amount, Uncertificated REMIC I Regular Interest W
Distribution Amount, Uncertificated REMIC I Regular
Interest X Distribution Amount, Uncertificated REMIC I
Regular Interest Y Distribution Amount and
Uncertificated REMIC I Regular Interest Z Distribution
Amount, Realized Losses allocated to the Class A-1,
Class A-2 and Class A-3 Certificates and the Class A-9
Component A under Section 4.05 shall be deemed
allocated to Uncertificated REMIC I Regular Interest V;
Realized Losses allocated to the Class A-4 Certificates
and the Class A-9 Component E under Section 4.05 shall
be deemed allocated to Uncertificated REMIC I Regular
Interest W; Realized Losses allocated to the Class A-5,
Class A-12 and Class A-13 Certificates and the Class
A-6 Component H under Section 4.05 shall be deemed
allocated to Uncertificated REMIC I Regular Interest X;
Realized Losses allocated to the Class A-6, Class A-7,
Class A-8, Class A-9 (to the extent of Class A-9
Component B, Class A-9 Component C, Class A-9 Component
D, Class A-9 Component F and Class A-9 Component G),
Class A-10, Class A-11, Class M-1, Class M-2, Class
M-3, Class B-1, Class B-2, Class B-3 and Class R-II
Certificates under Section 4.05 shall be deemed
allocated to Uncertificated REMIC I Regular Interest Y;
and Realized Losses allocated to the Excess Spread
under Section 4.05 shall be deemed allocated to the
Uncertificated REMIC I Regular Interest Z.
(e) On each Distribution Date the Trustee
shall be deemed to distribute from REMIC II, in the
priority set forth in Sections 4.02(a) and (b), to the
Class A-1, Class A-2, Class A-3, Class A-4, Class A-5,
Class A-6, Class A-7, Class A-8, Class A-9, Class A-10,
Class A-11, Class A-12, Class A-13, Class M-1, Class
M-2, Class M-3, Class B-1, Class B-2, Class B-3 and
Class R-II Certificates and to the Owner of the Excess
Spread the amounts distributable thereon, from the
Uncertificated REMIC I Regular Interest Distribution
Amounts deemed to have been received by REMIC II from
REMIC I under this Section 4.08.
(f) Notwithstanding the deemed
distributions on the Uncertificated REMIC I Regular
Interests and to the Owner of the Excess Spread
described in this Section 4.08, distributions of funds
from the Certificate Account shall be made only in
accordance with Section 4.02.
ARTICLE V
THE CERTIFICATES AND EXCESS SPREAD
Section 5.01. The Certificates.
(a) The Class A, Class M, Class B and Class R
Certificates, respectively, shall be substantially in
the forms set forth in Exhibits A, B, C and D and
shall, on original issue, be executed and delivered by
the Trustee to the Certificate Registrar for
authentication and delivery to or upon the order of the
Company upon receipt by the Trustee or one or more
Custodians of the documents specified in Section 2.01.
The Certificates, other than the Class R Certificates,
shall be issuable in minimum dollar denominations of
$25,000 (or $250,000 in the case of the Class A-9,
Class M-2, Class M-3, Class B-1, Class B-2 and Class
B-3 Certificates) and integral multiples of $1 (in the
case of the Class A-1, Class A-2, Class A-3, Class A-4,
Class A-5, Class A-6, Class A-7, Class A-8, Class A-10,
Class A-11, Class A-12 and Class A-13 Certificates) and
$1,000 (in the case of all other Classes of
Certificates) in excess thereof, except that one
Certificate of the Class B-3 Certificates may be issued
in a denomination equal to $250,373.98
The Class R Certificates shall be issuable in
minimum denominations of not less than a 20% Percentage
Interest; provided, however, that one Class R-I
Certificate and one Class R-II Certificate will be
issuable to Residential Funding as "tax matters person"
pursuant to Section 10.01(c) and (e) in a minimum
denomination representing a Percentage Interest of not
less than 0.01%.
The Certificates shall be executed by manual or
facsimile signature on behalf of an authorized officer
of the Trustee. Certificates bearing the manual or
facsimile signatures of individuals who were at any
time the proper officers of the Trustee shall bind the
Trustee, notwithstanding that such individuals or any
of them have ceased to hold such offices prior to the
authentication and delivery of such Certificate or did
not hold such offices at the date of such Certificates.
No Certificate shall be entitled to any benefit under
this Agreement, or be valid for any purpose, unless
there appears on such Certificate a certificate of
authentication substantially in the form provided for
herein executed by the Certificate Registrar by manual
signature, and such certificate upon any Certificate
shall be conclusive evidence, and the only evidence,
that such Certificate has been duly authenticated and
delivered hereunder. All Certificates shall be dated
the date of their authentication.
(b) The Class A Certificates, other than the
Class A-9 Certificates, shall initially be issued as
one or more Certificates registered in the name of the
Depository or its nominee and, except as provided
below, registration of such Certificates may not be
transferred by the Trustee except to another Depository
that agrees to hold such Certificates for the
respective Certificate Owners with Ownership Interests
therein. The Certificateholders shall hold their
respective Ownership Interests in and to each of the
Class A Certificates, other than the Class A-9
Certificates, through the book-entry facilities of the
Depository and, except as provided below, shall not be
entitled to Definitive Certificates in respect of such
Ownership Interests. All transfers by Certificate
Owners of their respective Ownership Interests in the
Book-Entry Certificates shall be made in accordance
with the procedures established by the Depository
Participant or brokerage firm representing such
Certificate Owner. Each Depository Participant shall
transfer the Ownership Interests only in the Book-Entry
Certificates of Certificate Owners it represents or of
brokerage firms for which it acts as agent in
accordance with the Depository's normal procedures.
The Trustee, the Master Servicer and the Company
may for all purposes (including the making of payments
due on the respective Classes of Book-Entry
Certificates) deal with the Depository as the
authorized representative of the Certificate Owners
with respect to the respective Classes of Book-Entry
Certificates for the purposes of exercising the rights
of Certificateholders hereunder. The rights of
Certificate Owners with respect to the respective
Classes of Book-Entry Certificates shall be limited to
those established by law and agreements between such
Certificate Owners and the Depository Participants and
brokerage firms representing such Certificate Owners.
Multiple requests and directions from, and votes of,
the Depository as Holder of any Class of Book-Entry
Certificates with respect to any particular matter
shall not be deemed inconsistent if they are made with
respect to different Certificate Owners. The Trustee
may establish a reasonable record date in connection
with solicitations of consents from or voting by
Certificateholders and shall give notice to the
Depository of such record date.
If (i)(A) the Company advises the Trustee in
writing that the Depository is no longer willing or
able to properly discharge its responsibilities as
Depository and (B) the Company is unable to locate a
qualified successor or (ii) the Company at its option
advises the Trustee in writing that it elects to
terminate the book-entry system through the Depository,
the Trustee shall notify all Certificate Owners,
through the Depository, of the occurrence of any such
event and of the availability of Definitive
Certificates to Certificate Owners requesting the same.
Upon surrender to the Trustee of the Book-Entry
Certificates by the Depository, accompanied by
registration instructions from the Depository for
registration of transfer, the Trustee shall issue the
Definitive Certificates. Neither the Company, the
Master Servicer nor the Trustee shall be liable for any
actions taken by the Depository or its nominee,
including, without limitation, any delay in delivery of
such instructions and may conclusively rely on, and
shall be protected in relying on, such instructions.
Upon the issuance of Definitive Certificates all
references herein to obligations imposed upon or to be
performed by the Company in connection with the
issuance of the Definitive Certificates pursuant to
this Section 5.01 shall be deemed to be imposed upon
and performed by the Trustee, and the Trustee and the
Master Servicer shall recognize the Holders of the
Definitive Certificates as Certificateholders
hereunder.
Section 5.02. Registration of Transfer and
Exchange of Certificates and
Restrictions on Transfer of Excess
Spread.
(a) The Trustee shall cause to be kept at one of
the offices or agencies to be appointed by the Trustee
in accordance with the provisions of Section 8.12 a
Certificate Register in which, subject to such
reasonable regulations as it may prescribe, the Trustee
shall provide for the registration of Certificates and
of transfers and exchanges of Certificates as herein
provided. The Trustee is initially appointed
Certificate Registrar for the purpose of registering
Certificates and transfers and exchanges of
Certificates as herein provided. The Certificate
Registrar, or the Trustee, shall provide the Master
Servicer with a certified list of Certificateholders as
of each Record Date prior to the related Determination
Date.
(b) Upon surrender for registration of transfer
of any Certificate at any office or agency of the
Trustee maintained for such purpose pursuant to Section
8.12 and, in the case of any Class A-9, Class A-11,
Class M, Class B or Class R Certificate, upon
satisfaction of the conditions set forth below, the
Trustee shall execute and the Certificate Registrar
shall authenticate and deliver, in the name of the
designated transferee or transferees, one or more new
Certificates of a like Class and aggregate Percentage
Interest.
(c) At the option of the Certificateholders,
Certificates may be exchanged for other Certificates of
authorized denominations of a like Class and aggregate
Percentage Interest, upon surrender of the Certificates
to be exchanged at any such office or agency. Whenever
any Certificates are so surrendered for exchange the
Trustee shall execute and the Certificate Registrar
shall authenticate and deliver the Certificates of such
Class which the Certificateholder making the exchange
is entitled to receive. Every Certificate presented or
surrendered for transfer or exchange shall (if so
required by the Trustee or the Certificate Registrar)
be duly endorsed by, or be accompanied by a written
instrument of transfer in form satisfactory to the
Trustee and the Certificate Registrar duly executed by,
the Holder thereof or his attorney duly authorized in
writing.
(d) No transfer, sale, pledge or other
disposition of a Class A-9 Certificate or Class B
Certificate shall be made unless such transfer, sale,
pledge or other disposition is exempt from the
registration requirements of the Securities Act of
1933, as amended, and any applicable state securities
laws or is made in accordance with said Act and laws.
Except as provided in Section 5.02(e), in the event
that a transfer of a Class A-9 Certificate or Class B
Certificate is to be made either (i)(A) the Trustee
shall require a written Opinion of Counsel acceptable
to and in form and substance satisfactory to the
Trustee and the Company that such transfer may be made
pursuant to an exemption, describing the applicable
exemption and the basis therefor, from said Act and
laws or is being made pursuant to said Act and laws,
which Opinion of Counsel shall not be an expense of the
Trustee, the Company or the Master Servicer and (B) the
Trustee shall require the transferee to execute a
representation letter, substantially in the form of
Exhibit J hereto, and the Trustee shall require the
transferor to execute a representation letter,
substantially in the form of Exhibit K hereto, each
acceptable to and in form and substance satisfactory to
the Company and the Trustee certifying to the Company
and the Trustee the facts surrounding such transfer,
which representation letters shall not be an expense of
the Trustee, the Company or the Master Servicer or (ii)
the prospective transferee of such a Certificate shall
be required to provide the Trustee, the Company and the
Master Servicer with an investment letter substantially
in the form of Exhibit L attached hereto (or such other
form as the Company in its sole discretion deems
acceptable), which investment letter shall not be an
expense of the Trustee, the Company or the Master
Servicer, and which investment letter states that,
among other things, such transferee (A) is a "qualified
institutional buyer" as defined under Rule 144A, acting
for its own account or the accounts of other "qualified
institutional buyers" as defined under Rule 144A, and
(B) is aware that the proposed transferor intends to
rely on the exemption from registration requirements
under the Securities Act of 1933, as amended, provided
by Rule 144A. The Holder of any such Certificate
desiring to effect any such transfer, sale, pledge or
other disposition shall, and does hereby agree to,
indemnify the Trustee, the Company, the Master Servicer
and the Certificate Registrar against any liability
that may result if the transfer, sale, pledge or other
disposition is not so exempt or is not made in
accordance with such federal and state laws.
(e) The first transfer of any Class A-9
Certificate by the first Holder that is not an
Affiliate of the Company may only be made if the
prospective transferee of such a Certificate provides
the Trustee, the Company and the Master Servicer with
an investment letter substantially in the form of
Exhibit L attached hereto (or such other form as the
Company in its sole discretion deems acceptable), which
investment letter shall not be an expense of the
Trustee, the Company or the Master Servicer; provided,
however, that notwithstanding the foregoing, the
transferees of the Class A-9 Certificates in the
aggregate who purchased from the first Holder that was
not an Affiliate of the Company may include three
institutional accredited investors who purchased in
compliance with the first sentence of Section 5.02(d).
Such transfers shall be deemed to have complied with
the requirements of Section 5.02(d). The Holder of such
a Certificate desiring to effect such transfer does
hereby agree to indemnify the Trustee, the Company, the
Master Servicer and the Certificate Registrar against
any liability that may result if transfer is not made
in accordance with this Agreement. Each Holder of such
a Certificate on the Closing Date does hereby agree
that it will comply with the requirements of this
Section 5.02(e) in connection with the transfer of any
such Certificate.
(f) In the case of any Class A-11, Class M, Class
B or Class R Certificate presented for registration in
the name of an employee benefit plan or other plan
subject to the prohibited transaction provisions of the
Employee Retirement Income Security Act of 1974, as
amended ("ERISA"), or Section 4975 of the Code (or
comparable provisions of any subsequent enactments) or
any Person (including an investment manager, a named
fiduciary or a trustee of any such plan) who is using
"plan assets" of any such plan to effect such
acquisition, unless otherwise directed by the Company,
the Trustee shall require an Opinion of Counsel
acceptable to and in form and substance satisfactory to
the Trustee, the Company and the Master Servicer to the
effect that the purchase or holding of a Class A-11,
Class M, Class B or Class R Certificate is permissible
under applicable law, will not constitute or result in
any non-exempt prohibited transaction under Section 406
of ERISA or Section 4975 of the Code, and will not
subject the Trustee, the Company or the Master Servicer
to any obligation or liability (including obligations
or liabilities under ERISA or Section 4975 of the Code)
in addition to those undertaken in this Agreement,
which Opinion of Counsel shall not be an expense of the
Trustee, the Company or the Master Servicer. The
Trustee may (unless otherwise directed by the Company)
require that any prospective transferee of a Class A-
11, Class M, Class B or Class R Certificate provide
either a certification to the effect set forth in
paragraph six of Exhibit J, which the Trustee may rely
upon without further inquiry or investigation, or such
other certifications as the Trustee may deem desirable
or necessary in order to establish that such transferee
or the Person in whose name such registration is
requested is not an employee benefit plan or other plan
subject to the prohibited transaction provisions of
ERISA or Section 4975 of the Code, or any Person
(including an investment manager, a named fiduciary or
a trustee of any such plan) who is using "plan assets"
of any such plan to effect such acquisition. So long
as the Class A-11 Certificates are Book-Entry
Certificates, any purchaser of a Class A-11 Certificate
will be deemed to have represented by such purchase
that either (a) such purchaser is not an employee
benefit plan or other plan subject to the prohibited
transaction provisions of ERISA or Section 4975 of the
Code and is not purchasing such Certificates on behalf
of or with "plan assets" of any Plan or (b) the
purchase of any such Certificate by or on behalf of or
with "plan assets" of any Plan is permissible under
applicable law, will not result in any non-exempt
prohibited transaction under ERISA or Section 4975 of
the Code, and will not subject the Master Servicer, the
Company or the Trustee to any obligation in addition to
those undertaken in this Agreement.
(g) (i) Each Person who has or who acquires any
Ownership Interest in a Class R Certificate shall be
deemed by the acceptance or acquisition of such
Ownership Interest to have agreed to be bound by the
following provisions and to have irrevocably authorized
the Trustee or its designee under clause (iii)(A) below
to deliver payments to a Person other than such Person
and to negotiate the terms of any mandatory sale under
clause (iii)(B) below and to execute all instruments of
transfer and to do all other things necessary in
connection with any such sale. The rights of each
Person acquiring any Ownership Interest in a Class R
Certificate are expressly subject to the following
provisions:
(A) Each Person holding or acquiring any
Ownership Interest in a Class R Certificate shall
be a Permitted Transferee and shall promptly
notify the Trustee of any change or impending
change in its status as a Permitted Transferee.
(B) In connection with any proposed Transfer
of any Ownership Interest in a Class R
Certificate, the Trustee shall require delivery to
it, and shall not register the Transfer of any
Class R Certificate until its receipt of, (I) an
affidavit and agreement (a "Transfer Affidavit and
Agreement," in the form attached hereto as Exhibit
I-1) from the proposed Transferee, in form and
substance satisfactory to the Master Servicer,
representing and warranting, among other things,
that it is a Permitted Transferee, that it is not
acquiring its Ownership Interest in the Class R
Certificate that is the subject of the proposed
Transfer as a nominee, trustee or agent for any
Person who is not a Permitted Transferee, that for
so long as it retains its Ownership Interest in a
Class R Certificate, it will endeavor to remain a
Permitted Transferee, and that it has reviewed the
provisions of this Section 5.02(g) and agrees to
be bound by them, and (II) a certificate, in the
form attached hereto as Exhibit I-2, from the
Holder wishing to transfer the Class R
Certificate, in form and substance satisfactory to
the Master Servicer, representing and warranting,
among other things, that no purpose of the
proposed Transfer is to impede the assessment or
collection of tax.
(C) Notwithstanding the delivery of a
Transfer Affidavit and Agreement by a proposed
Transferee under clause (B) above, if a
Responsible Officer of the Trustee who is assigned
to this Agreement has actual knowledge that the
proposed Transferee is not a Permitted Transferee,
no Transfer of an Ownership Interest in a Class R
Certificate to such proposed Transferee shall be
effected.
(D) Each Person holding or acquiring any
Ownership Interest in a Class R Certificate shall
agree (x) to require a Transfer Affidavit and
Agreement from any other Person to whom such
Person attempts to transfer its Ownership Interest
in a Class R Certificate and (y) not to transfer
its Ownership Interest unless it provides a
certificate to the Trustee in the form attached
hereto as Exhibit I-2.
(E) Each Person holding or acquiring an
Ownership Interest in a Class R Certificate, by
purchasing an Ownership Interest in such
Certificate, agrees to give the Trustee written
notice that it is a "pass-through interest holder"
within the meaning of Temporary Treasury
Regulations Section 1.67-3T(a)(2)(i)(A)
immediately upon acquiring an Ownership Interest
in a Class R Certificate, if it is, or is holding
an Ownership Interest in a Class R Certificate on
behalf of, a "pass-through interest holder."
(ii) The Trustee will register the Transfer of any
Class R Certificate only if it shall have received the
Transfer Affidavit and Agreement, a certificate of the
Holder requesting such transfer in the form attached
hereto as Exhibit I-2 and all of such other documents
as shall have been reasonably required by the Trustee
as a condition to such registration. Transfers of the
Class R Certificates to Non-United States Persons and
Disqualified Organizations (as defined in Section
860E(e)(5) of the Code) are prohibited.
(iii) (A) If any Disqualified Organization
shall become a holder of a Class R Certificate, then
the last preceding Permitted Transferee shall be
restored, to the extent permitted by law, to all rights
and obligations as Holder thereof retroactive to the
date of registration of such Transfer of such Class R
Certificate. If a Non-United States Person shall
become a holder of a Class R Certificate, then the last
preceding United States Person shall be restored, to
the extent permitted by law, to all rights and
obligations as Holder thereof retroactive to the date
of registration of such Transfer of such Class R
Certificate. If a transfer of a Class R Certificate is
disregarded pursuant to the provisions of Treasury
Regulations Section 1.860E-1 or Section 1.860G-3, then
the last preceding Permitted Transferee shall be
restored, to the extent permitted by law, to all rights
and obligations as Holder thereof retroactive to the
date of registration of such Transfer of such Class R
Certificate. The Trustee shall be under no liability to
any Person for any registration of Transfer of a Class
R Certificate that is in fact not permitted by this
Section 5.02(g) or for making any payments due on such
Certificate to the holder thereof or for taking any
other action with respect to such holder under the
provisions of this Agreement.
(B) If any purported Transferee shall become
a Holder of a Class R Certificate in violation of the
restrictions in this Section 5.02(g) and to the extent
that the retroactive restoration of the rights of the
Holder of such Class R Certificate as described in
clause (iii)(A) above shall be invalid, illegal or
unenforceable, then the Master Servicer shall have the
right, without notice to the holder or any prior holder
of such Class R Certificate, to sell such Class R
Certificate to a purchaser selected by the Master
Servicer on such terms as the Master Servicer may
choose. Such purported Transferee shall promptly
endorse and deliver each Class R Certificate in
accordance with the instructions of the Master
Servicer. Such purchaser may be the Master Servicer
itself or any Affiliate of the Master Servicer. The
proceeds of such sale, net of the commissions (which
may include commissions payable to the Master Servicer
or its Affiliates), expenses and taxes due, if any,
will be remitted by the Master Servicer to such
purported Transferee. The terms and conditions of any
sale under this clause (iii)(B) shall be determined in
the sole discretion of the Master Servicer, and the
Master Servicer shall not be liable to any Person
having an Ownership Interest in a Class R Certificate
as a result of its exercise of such discretion.
(iv) The Master Servicer, on behalf of the
Trustee, shall make available, upon written request
from the Trustee, all information necessary to compute
any tax imposed (A) as a result of the Transfer of an
Ownership Interest in a Class R Certificate to any
Person who is a Disqualified Organization, including
the information regarding "excess inclusions" of such
Class R Certificates required to be provided to the
Internal Revenue Service and certain Persons as
described in Treasury Regulations Sections
1.860D-1(b)(5) and 1.860E-2(a)(5), and (B) as a result
of any regulated investment company, real estate
investment trust, common trust fund, partnership,
trust, estate or organization described in Section 1381
of the Code that holds an Ownership Interest in a Class
R Certificate having as among its record holders at any
time any Person who is a Disqualified Organization.
Reasonable compensation for providing such information
may be required by the Master Servicer from such
Person.
(v) The provisions of this Section 5.02(g) set
forth prior to this clause (v) may be modified, added
to or eliminated, provided that there shall have been
delivered to the Trustee the following:
(A) written notification from each Rating
Agency to the effect that the modification,
addition to or elimination of such provisions will
not cause such Rating Agency to downgrade its
then-current ratings, if any, of any Class of the
Class A, Class M, Class B or Class R Certificates
below the lower of the then-current rating or the
rating assigned to such Certificates as of the
Closing Date by such Rating Agency; and
(B) subject to Section 10.01(f), a
certificate of the Master Servicer stating that
the Master Servicer has received an Opinion of
Counsel, in form and substance satisfactory to the
Master Servicer, to the effect that such
modification, addition to or absence of such
provisions will not cause either REMIC I or REMIC
II to cease to qualify as a REMIC and will not
cause (x) either REMIC I or REMIC II to be subject
to an entity-level tax caused by the Transfer of
any Class R Certificate to a Person that is a
Disqualified Organization or (y) a
Certificateholder or another Person to be subject
to a REMIC-related tax caused by the Transfer of a
Class R Certificate to a Person that is not a
Permitted Transferee.
(h) No service charge shall be made for any
transfer or exchange of Certificates of any Class, but
the Trustee may require payment of a sum sufficient to
cover any tax or governmental charge that may be
imposed in connection with any transfer or exchange of
Certificates.
(i) All Certificates surrendered for transfer and
exchange shall be destroyed by the Certificate
Registrar.
(j) So long as the Excess Spread remains
uncertificated, no transfer, sale, pledge or other
disposition thereof shall be made by Residential
Funding.
Section 5.03. Mutilated, Destroyed, Lost or
Stolen Certificates.
If (i) any mutilated Certificate is surrendered to
the Certificate Registrar, or the Trustee and the
Certificate Registrar receive evidence to their
satisfaction of the destruction, loss or theft of any
Certificate, and (ii) there is delivered to the Trustee
and the Certificate Registrar such security or
indemnity as may be required by them to save each of
them harmless, then, in the absence of notice to the
Trustee or the Certificate Registrar that such
Certificate has been acquired by a bona fide purchaser,
the Trustee shall execute and the Certificate Registrar
shall authenticate and deliver, in exchange for or in
lieu of any such mutilated, destroyed, lost or stolen
Certificate, a new Certificate of like tenor, Class and
Percentage Interest but bearing a number not
contemporaneously outstanding. Upon the issuance of
any new Certificate under this Section, the Trustee may
require the payment of a sum sufficient to cover any
tax or other governmental charge that may be imposed in
relation thereto and any other expenses (including the
fees and expenses of the Trustee and the Certificate
Registrar) connected therewith. Any duplicate
Certificate issued pursuant to this Section shall
constitute complete and indefeasible evidence of
ownership in the Trust Fund, as if originally issued,
whether or not the lost, stolen or destroyed
Certificate shall be found at any time.
Section 5.04. Persons Deemed Owners.
Prior to due presentation of a Certificate for
registration of transfer, the Company, the Master
Servicer, the Trustee, the Certificate Registrar and
any agent of the Company, the Master Servicer, the
Trustee or the Certificate Registrar may treat the
Person in whose name any Certificate is registered as
the owner of such Certificate for the purpose of
receiving distributions pursuant to Section 4.02 and
for all other purposes whatsoever, and neither the
Company, the Master Servicer, the Trustee, the
Certificate Registrar nor any agent of the Company, the
Master Servicer, the Trustee or the Certificate
Registrar shall be affected by notice to the contrary
except as provided in Section 5.02(g).
Section 5.05. Appointment of Paying Agent.
The Trustee may appoint a Paying Agent for the
purpose of making distributions to the
Certificateholders and the Owner of the Excess Spread
pursuant to Section 4.02. In the event of any such
appointment, on or prior to each Distribution Date the
Master Servicer on behalf of the Trustee shall deposit
or cause to be deposited with the Paying Agent a sum
sufficient to make the payments to the
Certificateholders and the Owner of the Excess Spread
in the amounts and in the manner provided for in
Section 4.02, such sum to be held in trust for the
benefit of the Certificateholders and the Owner of the
Excess Spread.
The Trustee shall cause each Paying Agent to
execute and deliver to the Trustee an instrument in
which such Paying Agent shall agree with the Trustee
that such Paying Agent will hold all sums held by it
for the payment to the Certificateholders and the Owner
of the Excess Spread in trust for the benefit of the
Certificateholders and such Owner entitled thereto
until such sums shall be paid to such
Certificateholders and such Owner. Any sums so held by
such Paying Agent shall be held only in Eligible
Accounts to the extent such sums are not distributed to
the Certificateholders and such Owner on the date of
receipt by such Paying Agent.
Section 5.06. Optional Purchase of Certificates.
(a) On any Distribution Date on which the Pool
Stated Principal Balance is less than ten percent of
the Cut-off Date Principal Balance of the Mortgage
Loans, either the Master Servicer or the Company shall
have the right, at its option, to purchase the
Certificates in whole, but not in part, at a price
equal to the outstanding Certificate Principal Balance
of such Certificates plus the sum of one month's
Accrued Certificate Interest thereon and any previously
unpaid Accrued Certificate Interest.
(b) The Master Servicer or the Company, as
applicable, shall give the Trustee not less than 60
days' prior notice of the Distribution Date on which
the Master Servicer or the Company, as applicable,
anticipates that it will purchase the Certificates
pursuant to Section 5.06(a). Notice of any such
purchase, specifying the Distribution Date upon which
the Holders may surrender their Certificates to the
Trustee for payment in accordance with this Section
5.06, shall be given promptly by the Master Servicer or
the Company, as applicable, by letter to
Certificateholders (with a copy to the Certificate
Registrar and each Rating Agency) mailed not earlier
than the 15th day and not later than the 25th day of
the month next preceding the month of such final
distribution, specifying:
(i) the Distribution Date upon which
purchase of the Certificates is anticipated to be
made upon presentation and surrender of such
Certificates at the office or agency of the
Trustee therein designated,
(ii) the purchase price therefor, if known,
and
(iii) that the Record Date otherwise
applicable to such Distribution Date is not
applicable, payments being made only upon
presentation and surrender of the Certificates at
the office or agency of the Trustee therein
specified.
If either the Master Servicer or the Company gives the
notice specified above, the Master Servicer or the
Company, as applicable, shall deposit in the
Certificate Account before the Distribution Date on
which the purchase pursuant to Section 5.06(a) is to be
made, in immediately available funds, an amount equal
to the purchase price for the Certificates computed as
provided above.
(c) Upon presentation and surrender of the
Certificates to be purchased pursuant to Section
5.06(a) by the Holders thereof, the Trustee shall
distribute to such Holders an amount equal to the
outstanding Certificate Principal Balance thereof plus
the sum of one month's Accrued Certificate Interest
thereon and any previously unpaid Accrued Certificate
Interest with respect thereto.
(d) In the event that any Certificateholders do
not surrender their Certificates on or before the
Distribution Date on which a purchase pursuant to this
Section 5.06 is to be made, the Trustee shall on such
date cause all funds in the Certificate Account
deposited therein by the Master Servicer or the
Company, as applicable, pursuant to Section 5.06(b) to
be withdrawn therefrom and deposited in a separate
escrow account for the benefit of such
Certificateholders, and the Master Servicer or the
Company, as applicable, shall give a second written
notice to such Certificateholders to surrender their
Certificates for payment of the purchase price
therefor. If within six months after the second notice
any Certificate shall not have been surrendered for
cancellation, the Trustee shall take appropriate steps
as directed by the Master Servicer or the Company, as
applicable, to contact the Holders of such Certificates
concerning surrender of their Certificates. The costs
and expenses of maintaining the escrow account and of
contacting Certificateholders shall be paid out of the
assets which remain in the escrow account. If within
nine months after the second notice any Certificates
shall not have been surrendered for cancellation in
accordance with this Section 5.06, the Trustee shall
pay to the Master Servicer or the Company, as
applicable, all amounts distributable to the Holders
thereof and the Master Servicer or the Company, as
applicable, shall thereafter hold such amounts until
distributed to such Holders. No interest shall accrue
or be payable to any Certificateholder on any amount
held in the escrow account or by the Master Servicer or
the Company, as applicable, as a result of such
Certificateholder's failure to surrender its
Certificate(s) for payment in accordance with this
Section 5.06. Any Certificate that is not surrendered
on the Distribution Date on which a purchase pursuant
to this Section 5.06 occurs as provided above will be
deemed to have been purchased and the Holder as of such
date will have no rights with respect thereto except to
receive the purchase price therefor minus any costs and
expenses associated with such escrow account and
notices allocated thereto. Any Certificates so
purchased or deemed to have been purchased on such
Distribution Date shall remain outstanding hereunder.
The Master Servicer or the Company, as applicable,
shall be for all purposes the Holder thereof as of such
date.
ARTICLE VI
THE COMPANY AND THE MASTER SERVICER
Section 6.01. Respective Liabilities of the
Company and the Master Servicer.
The Company and the Master Servicer shall each be
liable in accordance herewith only to the extent of the
obligations specifically and respectively imposed upon
and undertaken by the Company and the Master Servicer
herein. By way of illustration and not limitation, the
Company is not liable for the servicing and
administration of the Mortgage Loans, nor is it
obligated by Section 7.01 or Section 10.01 to assume
any obligations of the Master Servicer or to appoint a
designee to assume such obligations, nor is it liable
for any other obligation hereunder that it may, but is
not obligated to, assume unless it elects to assume
such obligation in accordance herewith.
Section 6.02. Merger or Consolidation of the
Company or the Master Servicer;
Assignment of Rights and Delegation
of Duties by Master Servicer.
(a) The Company and the Master Servicer will each
keep in full effect its existence, rights and
franchises as a corporation under the laws of the state
of its incorporation, and will each obtain and preserve
its qualification to do business as a foreign
corporation in each jurisdiction in which such
qualification is or shall be necessary to protect the
validity and enforceability of this Agreement, the
Certificates or any of the Mortgage Loans and to
perform its respective duties under this Agreement.
(b) Any Person into which the Company or the
Master Servicer may be merged or consolidated, or any
corporation resulting from any merger or consolidation
to which the Company or the Master Servicer shall be a
party, or any Person succeeding to the business of the
Company or the Master Servicer, shall be the successor
of the Company or the Master Servicer, as the case may
be, hereunder, without the execution or filing of any
paper or any further act on the part of any of the
parties hereto, anything herein to the contrary
notwithstanding; provided, however, that the successor
or surviving Person to the Master Servicer shall be
qualified to service mortgage loans on behalf of FNMA
or FHLMC; and provided further that each Rating
Agency's ratings, if any, of the Class A, Class M,
Class B or Class R Certificates in effect immediately
prior to such merger or consolidation will not be
qualified, reduced or withdrawn as a result thereof (as
evidenced by a letter to such effect from each Rating
Agency).
(c) Notwithstanding anything else in this Section
6.02 and Section 6.04 to the contrary, the Master
Servicer may assign its rights and delegate its duties
and obligations under this Agreement; provided that the
Person accepting such assignment or delegation shall be
a Person which is qualified to service mortgage loans
on behalf of FNMA or FHLMC, is reasonably satisfactory
to the Trustee and the Company, is willing to service
the Mortgage Loans and executes and delivers to the
Company and the Trustee an agreement, in form and
substance reasonably satisfactory to the Company and
the Trustee, which contains an assumption by such
Person of the due and punctual performance and
observance of each covenant and condition to be
performed or observed by the Master Servicer under this
Agreement; provided further that each Rating Agency's
rating of the Classes of Certificates that have been
rated in effect immediately prior to such assignment
and delegation will not be qualified, reduced or
withdrawn as a result of such assignment and delegation
(as evidenced by a letter to such effect from each
Rating Agency). In the case of any such assignment and
delegation, the Master Servicer shall be released from
its obligations under this Agreement, except that the
Master Servicer shall remain liable for all liabilities
and obligations incurred by it as Master Servicer
hereunder prior to the satisfaction of the conditions
to such assignment and delegation set forth in the next
preceding sentence.
Section 6.03. Limitation on Liability of the
Company, the Master Servicer and
Others.
Neither the Company, the Master Servicer nor any
of the directors, officers, employees or agents of the
Company or the Master Servicer shall be under any
liability to the Trust Fund or the Certificateholders
or the Owner of the Excess Spread for any action taken
or for refraining from the taking of any action in good
faith pursuant to this Agreement, or for errors in
judgment; provided, however, that this provision shall
not protect the Company, the Master Servicer or any
such Person against any breach of warranties or
representations made herein or any liability which
would otherwise be imposed by reason of willful
misfeasance, bad faith or gross negligence in the
performance of duties or by reason of reckless
disregard of obligations and duties hereunder. The
Company, the Master Servicer and any director, officer,
employee or agent of the Company or the Master Servicer
may rely in good faith on any document of any kind
prima facie properly executed and submitted by any
Person respecting any matters arising hereunder. The
Company, the Master Servicer and any director, officer,
employee or agent of the Company or the Master Servicer
shall be indemnified by the Trust Fund and held
harmless against any loss, liability or expense
incurred in connection with any legal action relating
to this Agreement or the Certificates, other than any
loss, liability or expense related to any specific
Mortgage Loan or Mortgage Loans (except as any such
loss, liability or expense shall be otherwise
reimbursable pursuant to this Agreement) and any loss,
liability or expense incurred by reason of willful
misfeasance, bad faith or gross negligence in the
performance of duties hereunder or by reason of
reckless disregard of obligations and duties hereunder.
Neither the Company nor the Master Servicer shall
be under any obligation to appear in, prosecute or
defend any legal or administrative action, proceeding,
hearing or examination that is not incidental to its
respective duties under this Agreement and which in its
opinion may involve it in any expense or liability;
provided, however, that the Company or the Master
Servicer may in its discretion undertake any such
action, proceeding, hearing or examination that it may
deem necessary or desirable in respect to this
Agreement and the rights and duties of the parties
hereto and the interests of the Certificateholders
hereunder. In such event, the legal expenses and costs
of such action, proceeding, hearing or examination and
any liability resulting therefrom shall be expenses,
costs and liabilities of the Trust Fund, and the
Company and the Master Servicer shall be entitled to be
reimbursed therefor out of amounts attributable to the
Mortgage Loans on deposit in the Custodial Account as
provided by Section 3.10 and, on the Distribution
Date(s) following such reimbursement, the aggregate of
such expenses and costs shall be allocated in reduction
of the Accrued Certificate Interest on each Class
entitled thereto in the same manner as if such expenses
and costs constituted a Prepayment Interest Shortfall.
Section 6.04. Company and Master
Servicer Not to Resign.
Subject to the provisions of Section 6.02, neither
the Company nor the Master Servicer shall resign from
its respective obligations and duties hereby imposed on
it except upon determination that its duties hereunder
are no longer permissible under applicable law. Any
such determination permitting the resignation of the
Company or the Master Servicer shall be evidenced by an
Opinion of Counsel to such effect delivered to the
Trustee. No such resignation by the Master Servicer
shall become effective until the Trustee or a successor
servicer shall have assumed the Master Servicer's
responsibilities and obligations in accordance with
Section 7.02.
ARTICLE VII
DEFAULT
Section 7.01. Events of Default.
Event of Default, wherever used herein, means any
one of the following events (whatever reason for such
Event of Default and whether it shall be voluntary or
involuntary or be effected by operation of law or
pursuant to any judgment, decree or order of any court
or any order, rule or regulation of any administrative
or governmental body):
(i) the Master Servicer shall fail to
distribute or cause to be distributed to the Owner
of the Excess Spread or the Holders of
Certificates of any Class any distribution
required to be made under the terms of the
Certificates of such Class and this Agreement and,
in either case, such failure shall continue
unremedied for a period of 5 days after the date
upon which written notice of such failure,
requiring such failure to be remedied, shall have
been given to the Master Servicer by the Trustee
or the Company or to the Master Servicer, the
Company and the Trustee by the Owner of the Excess
Spread or the Holders of Certificates of such
Class evidencing Percentage Interests aggregating
not less than 25%; or
(ii) the Master Servicer shall fail to
observe or perform in any material respect any
other of the covenants or agreements on the part
of the Master Servicer contained in the
Certificates of any Class or in this Agreement and
such failure shall continue unremedied for a
period of 30 days (except that such number of days
shall be 15 in the case of a failure to pay the
premium for any Required Insurance Policy) after
the date on which written notice of such failure,
requiring the same to be remedied, shall have been
given to the Master Servicer by the Trustee or the
Company, or to the Master Servicer, the Company
and the Trustee by the Owner of the Excess Spread
or the Holders of Certificates of any Class
evidencing, in the case of any such Class,
Percentage Interests aggregating not less than
25%; or
(iii) a decree or order of a court or
agency or supervisory authority having
jurisdiction in the premises in an involuntary
case under any present or future federal or state
bankruptcy, insolvency or similar law or
appointing a conservator or receiver or liquidator
in any insolvency, readjustment of debt,
marshalling of assets and liabilities or similar
proceedings, or for the winding-up or liquidation
of its affairs, shall have been entered against
the Master Servicer and such decree or order shall
have remained in force undischarged or unstayed
for a period of 60 days; or
(iv) the Master Servicer shall consent to the
appointment of a conservator or receiver or
liquidator in any insolvency, readjustment of
debt, marshalling of assets and liabilities, or
similar proceedings of, or relating to, the Master
Servicer or of, or relating to, all or
substantially all of the property of the Master
Servicer; or
(v) the Master Servicer shall admit in
writing its inability to pay its debts generally
as they become due, file a petition to take
advantage of, or commence a voluntary case under,
any applicable insolvency or reorganization
statute, make an assignment for the benefit of its
creditors, or voluntarily suspend payment of its
obligations; or
(vi) the Master Servicer shall notify the
Trustee pursuant to Section 4.04(b) that it is
unable to deposit in the Certificate Account an
amount equal to the Advance.
If an Event of Default described in clauses
(i)-(v) of this Section shall occur, then, and in each
and every such case, so long as such Event of Default
shall not have been remedied, either the Company or the
Trustee may, and at the direction of Holders of
Certificates or the Owner of the Excess Spread entitled
to at least 51% of the Voting Rights, the Trustee
shall, by notice in writing to the Master Servicer (and
to the Company if given by the Trustee or to the
Trustee if given by the Company), terminate all of the
rights and obligations of the Master Servicer under
this Agreement and in and to the Mortgage Loans and the
proceeds thereof, other than its rights as a
Certificateholder hereunder. If an Event of Default
described in clause (vi) hereof shall occur, the
Trustee shall, by notice to the Master Servicer and the
Company, immediately terminate all of the rights and
obligations of the Master Servicer under this Agreement
and in and to the Mortgage Loans and the proceeds
thereof, other than its rights as a Certificateholder
hereunder as provided in Section 4.04(b). On or after
the receipt by the Master Servicer of such written
notice, all authority and power of the Master Servicer
under this Agreement, whether with respect to the
Certificates (other than as a Holder thereof) or the
Mortgage Loans or otherwise, shall subject to Section
7.02 pass to and be vested in the Trustee or the
Trustee's designee appointed pursuant to Section 7.02;
and, without limitation, the Trustee is hereby
authorized and empowered to execute and deliver, on
behalf of the Master Servicer, as attorney-in-fact or
otherwise, any and all documents and other instruments,
and to do or accomplish all other acts or things
necessary or appropriate to effect the purposes of such
notice of termination, whether to complete the transfer
and endorsement or assignment of the Mortgage Loans and
related documents, or otherwise. The Master Servicer
agrees to cooperate with the Trustee in effecting the
termination of the Master Servicer's responsibilities
and rights hereunder, including, without limitation,
the transfer to the Trustee or its designee for
administration by it of all cash amounts which shall at
the time be credited to the Custodial Account or the
Certificate Account or thereafter be received with
respect to the Mortgage Loans. No such termination
shall release the Master Servicer for any liability
that it would otherwise have hereunder for any act or
omission prior to the effective time of such
termination.
Notwithstanding any termination of the activities
of Residential Funding in its capacity as Master
Servicer hereunder, Residential Funding shall be
entitled to receive, out of any late collection of a
Monthly Payment on a Mortgage Loan which was due prior
to the notice terminating Residential Funding's rights
and obligations as Master Servicer hereunder and
received after such notice, that portion to which
Residential Funding would have been entitled pursuant
to Sections 3.10(a)(ii), (vi) and (vii) as well as its
Servicing Fee in respect thereof, and any other amounts
payable to Residential Funding hereunder the
entitlement to which arose prior to the termination of
its activities hereunder. Upon the termination of
Residential Funding as Master Servicer hereunder the
Company shall deliver to the Trustee a copy of the
Program Guide.
Section 7.02. Trustee or Company to Act;
Appointment of Successor.
On and after the time the Master Servicer receives
a notice of termination pursuant to Section 7.01 or
resigns in accordance with Section 6.04, the Trustee
or, upon notice to the Company and with the Company's
consent (which shall not be unreasonably withheld) a
designee (which meets the standards set forth below) of
the Trustee, shall be the successor in all respects to
the Master Servicer in its capacity as servicer under
this Agreement and the transactions set forth or
provided for herein and shall be subject to all the
responsibilities, duties and liabilities relating
thereto placed on the Master Servicer (except for the
responsibilities, duties and liabilities contained in
Sections 2.02 and 2.03(a), excluding the duty to notify
related Subservicers or Sellers as set forth in such
Sections, and its obligations to deposit amounts in
respect of losses incurred prior to such notice or
termination on the investment of funds in the Custodial
Account or the Certificate Account pursuant to Sections
3.07(c) and 4.01(b) by the terms and provisions
hereof); provided, however, that any failure to perform
such duties or responsibilities caused by the preceding
Master Servicer's failure to provide information
required by Section 4.04 shall not be considered a
default by the Trustee hereunder. As compensation
therefor, the Trustee shall be entitled to all funds
relating to the Mortgage Loans which the Master
Servicer would have been entitled to charge to the
Custodial Account or the Certificate Account if the
Master Servicer had continued to act hereunder and, in
addition, shall be entitled to the income from any
Permitted Investments made with amounts attributable to
the Mortgage Loans held in the Custodial Account or the
Certificate Account. If the Trustee has become the
successor to the Master Servicer in accordance with
Section 6.04 or Section 7.01, then notwithstanding the
above, the Trustee may, if it shall be unwilling to so
act, or shall, if it is unable to so act, appoint, or
petition a court of competent jurisdiction to appoint,
any established housing and home finance institution,
which is also a FNMA- or FHLMC-approved mortgage
servicing institution, having a net worth of not less
than $10,000,000 as the successor to the Master
Servicer hereunder in the assumption of all or any part
of the responsibilities, duties or liabilities of the
Master Servicer hereunder. Pending appointment of a
successor to the Master Servicer hereunder, the Trustee
shall become successor to the Master Servicer and shall
act in such capacity as hereinabove provided. In
connection with such appointment and assumption, the
Trustee may make such arrangements for the compensation
of such successor out of payments on Mortgage Loans as
it and such successor shall agree; provided, however,
that no such compensation shall be in excess of that
permitted the initial Master Servicer hereunder. The
Company, the Trustee, the Custodian and such successor
shall take such action, consistent with this Agreement,
as shall be necessary to effectuate any such
succession. The Servicing Fee for any successor Master
Servicer appointed pursuant to this Section 7.02 will
be lowered with respect to those Mortgage Loans, if
any, where the Subservicing Fee accrues at a rate of
less than 0.20% per annum in the event that the
successor Master Servicer is not servicing such
Mortgage Loans directly and it is necessary to raise
the related Subservicing Fee to a rate of 0.20% per
annum in order to hire a Subservicer with respect to
such Mortgage Loans.
Section 7.03. Notification to Certificateholders.
(a) Upon any such termination or appointment of a
successor to the Master Servicer, the Trustee shall
give prompt written notice thereof to the
Certificateholders and the Owner of the Excess Spread
at their respective addresses appearing in the
Certificate Register.
(b) Within 60 days after the occurrence of any
Event of Default, the Trustee shall transmit by mail to
all Holders of Certificates notice of each such Event
of Default hereunder known to the Trustee, unless such
Event of Default shall have been cured or waived.
Section 7.04. Waiver of Events of Default.
The Holders representing at least 66% of the
Voting Rights affected by a default or Event of Default
hereunder, and the Owner of the Excess Spread if
affected thereby, may waive such default or Event of
Default; provided, however, that (a) a default or Event
of Default under clause (i) of Section 7.01 may be
waived only by all of the Holders of Certificates
affected by such default or Event of Default and the
Owner of the Excess Spread if so affected and (b) no
waiver pursuant to this Section 7.04 shall affect the
Holders of Certificates or the Owner of the Excess
Spread in the manner set forth in Section 11.01(b)(i),
(ii) or (iii). Upon any such waiver of a default or
Event of Default by the Holders representing the
requisite percentage of Voting Rights affected by such
default or Event of Default, such default or Event of
Default shall cease to exist and shall be deemed to
have been remedied for every purpose hereunder. No
such waiver shall extend to any subsequent or other
default or Event of Default or impair any right
consequent thereon except to the extent expressly so
waived.
ARTICLE VIII
CONCERNING THE TRUSTEE
Section 8.01. Duties of Trustee.
(a) The Trustee, prior to the occurrence of an
Event of Default and after the curing of all Events of
Default which may have occurred, undertakes to perform
such duties and only such duties as are specifically
set forth in this Agreement. In case an Event of
Default has occurred (which has not been cured or
waived), the Trustee shall exercise such of the rights
and powers vested in it by this Agreement, and use the
same degree of care and skill in their exercise as a
prudent investor would exercise or use under the
circumstances in the conduct of such investor's own
affairs.
(b) The Trustee, upon receipt of all resolutions,
certificates, statements, opinions, reports, documents,
orders or other instruments furnished to the Trustee
which are specifically required to be furnished
pursuant to any provision of this Agreement, shall
examine them to determine whether they conform to the
requirements of this Agreement. The Trustee shall
notify the Certificateholders and the Owner of the
Excess Spread of any such documents which do not
materially conform to the requirements of this
Agreement in the event that the Trustee, after so
requesting, does not receive satisfactorily corrected
documents.
The Trustee shall forward or cause to be forwarded
in a timely fashion the notices, reports and statements
required to be forwarded by the Trustee pursuant to
Sections 4.03, 4.06, 7.03 and 10.01. The Trustee shall
furnish in a timely fashion to the Master Servicer such
information as the Master Servicer may reasonably
request from time to time for the Master Servicer to
fulfill its duties as set forth in this Agreement. The
Trustee covenants and agrees that it shall perform its
obligations hereunder in a manner so as to maintain the
status of both REMIC I and REMIC II as REMICs under the
REMIC Provisions and (subject to Section 10.01(f)) to
prevent the imposition of any federal, state or local
income, prohibited transaction, contribution or other
tax on either REMIC I or REMIC II to the extent that
maintaining such status and avoiding such taxes are
reasonably within the control of the Trustee and are
reasonably within the scope of its duties under this
Agreement.
(c) No provision of this Agreement shall be
construed to relieve the Trustee from liability for its
own negligent action, its own negligent failure to act
or its own willful misconduct; provided, however, that:
(i) Prior to the occurrence of an Event
of Default, and after the curing or waiver of all
such Events of Default which may have occurred,
the duties and obligations of the Trustee shall be
determined solely by the express provisions of
this Agreement, the Trustee shall not be liable
except for the performance of such duties and
obligations as are specifically set forth in this
Agreement, no implied covenants or obligations
shall be read into this Agreement against the
Trustee and, in the absence of bad faith on the
part of the Trustee, the Trustee may conclusively
rely, as to the truth of the statements and the
correctness of the opinions expressed therein,
upon any certificates or opinions furnished to the
Trustee by the Company or the Master Servicer and
which on their face, do not contradict the
requirements of this Agreement;
(ii) The Trustee shall not be personally
liable for an error of judgment made in good faith
by a Responsible Officer or Responsible Officers
of the Trustee, unless it shall be proved that the
Trustee was negligent in ascertaining the
pertinent facts;
(iii) The Trustee shall not be personally
liable with respect to any action taken, suffered
or omitted to be taken by it in good faith in
accordance with the direction of
Certificateholders of any Class holding
Certificates which evidence, as to such Class,
Percentage Interests aggregating not less than 25%
as to the time, method and place of conducting any
proceeding for any remedy available to the
Trustee, or exercising any trust or power
conferred upon the Trustee, under this Agreement;
(iv) The Trustee shall not be charged with
knowledge of any default (other than a default in
payment to the Trustee) specified in clauses (i)
and (ii) of Section 7.01 or an Event of Default
under clauses (iii), (iv) and (v) of Section 7.01
unless a Responsible Officer of the Trustee
assigned to and working in the Corporate Trust
Office obtains actual knowledge of such failure or
event or the Trustee receives written notice of
such failure or event at its Corporate Trust
Office from the Master Servicer, the Company or
any Certificateholder or the Owner of the Excess
Spread; and
(v) Except to the extent provided in
Section 7.02, no provision in this Agreement shall
require the Trustee to expend or risk its own
funds (including, without limitation, the making
of any Advance) or otherwise incur any personal
financial liability in the performance of any of
its duties as Trustee hereunder, or in the
exercise of any of its rights or powers, if the
Trustee shall have reasonable grounds for
believing that repayment of funds or adequate
indemnity against such risk or liability is not
reasonably assured to it.
(d) The Trustee shall timely pay, from its own
funds, the amount of any and all federal, state and
local taxes imposed on the Trust Fund or its assets or
transactions including, without limitation, (A)
"prohibited transaction" penalty taxes as defined in
Section 860F of the Code, if, when and as the same
shall be due and payable, (B) any tax on contributions
to a REMIC after the Closing Date imposed by Section
860G(d) of the Code and (C) any tax on "net income from
foreclosure property" as defined in Section 860G(c) of
the Code, but only if such taxes arise out of a breach
by the Trustee of its obligations hereunder, which
breach constitutes negligence or willful misconduct of
the Trustee.
Section 8.02. Certain Matters Affecting the
Trustee.
(a) Except as otherwise provided in Section 8.01:
(i) The Trustee may rely and shall be
protected in acting or refraining from acting upon
any resolution, Officers' Certificate, certificate
of auditors or any other certificate, statement,
instrument, opinion, report, notice, request,
consent, order, appraisal, bond or other paper or
document believed by it to be genuine and to have
been signed or presented by the proper party or
parties;
(ii) The Trustee may consult with counsel and
any Opinion of Counsel shall be full and complete
authorization and protection in respect of any
action taken or suffered or omitted by it
hereunder in good faith and in accordance with
such Opinion of Counsel;
(iii) The Trustee shall be under no
obligation to exercise any of the trusts or powers
vested in it by this Agreement or to institute,
conduct or defend any litigation hereunder or in
relation hereto at the request, order or direction
of any of the Certificateholders or the Owner of
the Excess Spread, pursuant to the provisions of
this Agreement, unless such Certificateholders or
such Owner shall have offered to the Trustee
reasonable security or indemnity against the
costs, expenses and liabilities which may be
incurred therein or thereby; nothing contained
herein shall, however, relieve the Trustee of the
obligation, upon the occurrence of an Event of
Default (which has not been cured), to exercise
such of the rights and powers vested in it by this
Agreement, and to use the same degree of care and
skill in their exercise as a prudent investor
would exercise or use under the circumstances in
the conduct of such investor's own affairs;
(iv) The Trustee shall not be personally
liable for any action taken, suffered or omitted
by it in good faith and believed by it to be
authorized or within the discretion or rights or
powers conferred upon it by this Agreement;
(v) Prior to the occurrence of an Event
of Default hereunder and after the curing of all
Events of Default which may have occurred, the
Trustee shall not be bound to make any
investigation into the facts or matters stated in
any resolution, certificate, statement,
instrument, opinion, report, notice, request,
consent, order, approval, bond or other paper or
document, unless requested in writing so to do by
Holders of Certificates of any Class evidencing,
as to such Class, Percentage Interests,
aggregating not less than 50%; provided, however,
that if the payment within a reasonable time to
the Trustee of the costs, expenses or liabilities
likely to be incurred by it in the making of such
investigation is, in the opinion of the Trustee,
not reasonably assured to the Trustee by the
security afforded to it by the terms of this
Agreement, the Trustee may require reasonable
indemnity against such expense or liability as a
condition to so proceeding. The reasonable
expense of every such examination shall be paid by
the Master Servicer, if an Event of Default shall
have occurred and is continuing, and otherwise by
the Certificateholder requesting the
investigation;
(vi) The Trustee may execute any of the
trusts or powers hereunder or perform any duties
hereunder either directly or by or through agents
or attorneys; and
(vii) To the extent authorized under the
Code and the regulations promulgated thereunder,
each Holder of a Class R Certificate hereby
irrevocably appoints and authorizes the Trustee to
be its attorney-in-fact for purposes of signing
any Tax Returns required to be filed on behalf of
the Trust Fund. The Trustee shall sign on behalf
of the Trust Fund and deliver to the Master
Servicer in a timely manner any Tax Returns
prepared by or on behalf of the Master Servicer
that the Trustee is required to sign as determined
by the Master Servicer pursuant to applicable
federal, state or local tax laws, provided that
the Master Servicer shall indemnify the Trustee
for signing any such Tax Returns that contain
errors or omissions.
(b) Following the issuance of the Certificates,
the Trustee shall not accept any contribution of assets
to the Trust Fund unless (subject to Section 10.01(f))
it shall have obtained or been furnished with an
Opinion of Counsel to the effect that such contribution
will not (i) cause either REMIC I or REMIC II to fail
to qualify as a REMIC at any time that any Certificates
are outstanding or (ii) cause the Trust Fund to be
subject to any federal tax as a result of such
contribution (including the imposition of any federal
tax on "prohibited transactions" imposed under Section
860F(a) of the Code).
Section 8.03. Trustee Not Liable for Certificates
or Mortgage Loans.
The recitals contained herein and in the
Certificates (other than the execution of the
Certificates and relating to the acceptance and receipt
of the Mortgage Loans) shall be taken as the statements
of the Company or the Master Servicer as the case may
be, and the Trustee assumes no responsibility for their
correctness. The Trustee makes no representations as
to the validity or sufficiency of this Agreement or of
the Certificates (except that the Certificates shall be
duly and validly executed and authenticated by it as
Certificate Registrar) or of any Mortgage Loan or
related document. Except as otherwise provided herein,
the Trustee shall not be accountable for the use or
application by the Company or the Master Servicer of
any of the Certificates or of the proceeds of such
Certificates, or for the use or application of any
funds paid to the Company or the Master Servicer in
respect of the Mortgage Loans or deposited in or
withdrawn from the Custodial Account or the Certificate
Account by the Company or the Master Servicer.
Section 8.04. Trustee May Own Certificates.
The Trustee in its individual or any other
capacity may become the owner or pledgee of
Certificates with the same rights it would have if it
were not Trustee.
Section 8.05. Master Servicer to Pay Trustee's
Fees and Expenses; Indemnification.
(a) The Master Servicer covenants and agrees to
pay to the Trustee and any co-trustee from time to
time, and the Trustee and any co-trustee shall be
entitled to, reasonable compensation (which shall not
be limited by any provision of law in regard to the
compensation of a trustee of an express trust) for all
services rendered by each of them in the execution of
the trusts hereby created and in the exercise and
performance of any of the powers and duties hereunder
of the Trustee and any co-trustee, and the Master
Servicer will pay or reimburse the Trustee and any
co-trustee upon request for all reasonable expenses,
disbursements and advances incurred or made by the
Trustee or any co-trustee in accordance with any of the
provisions of this Agreement (including the reasonable
compensation and the expenses and disbursements of its
counsel and of all persons not regularly in its employ,
and the expenses incurred by the Trustee or any
co-trustee in connection with the appointment of an
office or agency pursuant to Section 8.12) except any
such expense, disbursement or advance as may arise from
its negligence or bad faith.
(b) The Master Servicer agrees to indemnify the
Trustee for, and to hold the Trustee harmless against,
any loss, liability or expense incurred without
negligence or willful misconduct on its part, arising
out of, or in connection with, the acceptance and
administration of the Trust Fund, including the costs
and expenses (including reasonable legal fees and
expenses) of defending itself against any claim in
connection with the exercise or performance of any of
its powers or duties under this Agreement, provided
that:
(i) with respect to any such claim, the
Trustee shall have given the Master Servicer
written notice thereof promptly after the Trustee
shall have actual knowledge thereof;
(ii) while maintaining control over its own
defense, the Trustee shall cooperate and consult
fully with the Master Servicer in preparing such
defense; and
(iii) notwithstanding anything in this
Agreement to the contrary, the Master Servicer
shall not be liable for settlement of any claim by
the Trustee entered into without the prior consent
of the Master Servicer which consent shall not be
unreasonably withheld.
No termination of this Agreement shall affect the
obligations created by this Section 8.05(b) of the
Master Servicer to indemnify the Trustee under the
conditions and to the extent set forth herein.
Notwithstanding the foregoing, the indemnification
provided by the Master Servicer in this Section 8.05(b)
shall not pertain to any loss, liability or expense of
the Trustee, including the costs and expenses of
defending itself against any claim, incurred in
connection with any actions taken by the Trustee at the
direction of the Certificateholders or the Owner of the
Excess Spread pursuant to the terms of this Agreement.
Section 8.06. Eligibility Requirements for
Trustee.
The Trustee hereunder shall at all times be a
corporation or a national banking association having
its principal office in a state and city acceptable to
the Company and organized and doing business under the
laws of such state or the United States of America,
authorized under such laws to exercise corporate trust
powers, having a combined capital and surplus of at
least $50,000,000 and subject to supervision or
examination by federal or state authority. If such
corporation or national banking association publishes
reports of condition at least annually, pursuant to law
or to the requirements of the aforesaid supervising or
examining authority, then for the purposes of this
Section the combined capital and surplus of such
corporation shall be deemed to be its combined capital
and surplus as set forth in its most recent report of
condition so published. In case at any time the
Trustee shall cease to be eligible in accordance with
the provisions of this Section, the Trustee shall
resign immediately in the manner and with the effect
specified in Section 8.07.
Section 8.07. Resignation and Removal of the
Trustee.
(a) The Trustee may at any time resign and be
discharged from the trusts hereby created by giving
written notice thereof to the Company. Upon receiving
such notice of resignation, the Company shall promptly
appoint a successor trustee by written instrument, in
duplicate, one copy of which instrument shall be
delivered to the resigning Trustee and one copy to the
successor trustee. If no successor trustee shall have
been so appointed and have accepted appointment within
30 days after the giving of such notice of resignation,
the resigning Trustee may petition any court of
competent jurisdiction for the appointment of a
successor trustee.
(b) If at any time the Trustee shall cease to be
eligible in accordance with the provisions of Section
8.06 and shall fail to resign after written request
therefor by the Company, or if at any time the Trustee
shall become incapable of acting, or shall be adjudged
bankrupt or insolvent, or a receiver of the Trustee or
of its property shall be appointed, or any public
officer shall take charge or control of the Trustee or
of its property or affairs for the purpose of
rehabilitation, conservation or liquidation, then the
Company may remove the Trustee and appoint a successor
trustee by written instrument, in duplicate, one copy
of which instrument shall be delivered to the Trustee
so removed and one copy to the successor trustee. In
addition, in the event that the Company determines that
the Trustee has failed (i) to distribute or cause to be
distributed to the Certificateholders or the Owner of
the Excess Spread any amount required to be distributed
hereunder, if such amount is held by the Trustee or its
Paying Agent (other than the Master Servicer or the
Company) for distribution or (ii) to otherwise observe
or perform in any material respect any of its
covenants, agreements or obligations hereunder, and
such failure shall continue unremedied for a period of
5 days (in respect of clause (i) above) or 30 days (in
respect of clause (ii) above) after the date on which
written notice of such failure, requiring that the same
be remedied, shall have been given to the Trustee by
the Company, then the Company may remove the Trustee
and appoint a successor trustee by written instrument
delivered as provided in the preceding sentence. In
connection with the appointment of a successor trustee
pursuant to the preceding sentence, the Company shall,
on or before the date on which any such appointment
becomes effective, obtain from each Rating Agency
written confirmation that the appointment of any such
successor trustee will not result in the reduction of
the ratings on any class of the Certificates below the
lesser of the then current or original ratings on such
Certificates.
(c) The Holders of Certificates or Excess Spread
entitled to at least 51% of the Voting Rights may at
any time remove the Trustee and appoint a successor
trustee by written instrument or instruments, in
triplicate, signed by such Holders or their
attorneys-in-fact duly authorized, one complete set of
which instruments shall be delivered to the Company,
one complete set to the Trustee so removed and one
complete set to the successor so appointed.
(d) Any resignation or removal of the Trustee and
appointment of a successor trustee pursuant to any of
the provisions of this Section shall become effective
upon acceptance of appointment by the successor trustee
as provided in Section 8.08.
Section 8.08. Successor Trustee.
(a) Any successor trustee appointed as provided
in Section 8.07 shall execute, acknowledge and deliver
to the Company and to its predecessor trustee an
instrument accepting such appointment hereunder, and
thereupon the resignation or removal of the predecessor
trustee shall become effective and such successor
trustee shall become effective and such successor
trustee, without any further act, deed or conveyance,
shall become fully vested with all the rights, powers,
duties and obligations of its predecessor hereunder,
with the like effect as if originally named as trustee
herein. The predecessor trustee shall deliver to the
successor trustee all Mortgage Files and related
documents and statements held by it hereunder (other
than any Mortgage Files at the time held by a
Custodian, which shall become the agent of any
successor trustee hereunder), and the Company, the
Master Servicer and the predecessor trustee shall
execute and deliver such instruments and do such other
things as may reasonably be required for more fully and
certainly vesting and confirming in the successor
trustee all such rights, powers, duties and
obligations.
(b) No successor trustee shall accept appointment
as provided in this Section unless at the time of such
acceptance such successor trustee shall be eligible
under the provisions of Section 8.06.
(c) Upon acceptance of appointment by a successor
trustee as provided in this Section, the Company shall
mail notice of the succession of such trustee hereunder
to all Holders of Certificates at their addresses as
shown in the Certificate Register. If the Company
fails to mail such notice within 10 days after
acceptance of appointment by the successor trustee, the
successor trustee shall cause such notice to be mailed
at the expense of the Company.
Section 8.09. Merger or Consolidation of Trustee.
Any corporation or national banking association
into which the Trustee may be merged or converted or
with which it may be consolidated or any corporation or
national banking association resulting from any
merger, conversion or consolidation to which the
Trustee shall be a party, or any corporation or
national banking association succeeding to the business
of the Trustee, shall be the successor of the Trustee
hereunder, provided such corporation or national
banking association shall be eligible under the
provisions of Section 8.06, without the execution or
filing of any paper or any further act on the part of
any of the parties hereto, anything herein to the
contrary notwithstanding. The Trustee shall mail
notice of any such merger or consolidation to the
Certificateholders and the Owner of the Excess Spread
at their address as shown in the Certificate Register.
Section 8.10. Appointment of Co-Trustee or
Separate Trustee.
(a) Notwithstanding any other provisions hereof,
at any time, for the purpose of meeting any legal
requirements of any jurisdiction in which any part of
the Trust Fund or property securing the same may at the
time be located, the Master Servicer and the Trustee
acting jointly shall have the power and shall execute
and deliver all instruments to appoint one or more
Persons approved by the Trustee to act as co-trustee or
co-trustees, jointly with the Trustee, or separate
trustee or separate trustees, of all or any part of the
Trust Fund, and to vest in such Person or Persons, in
such capacity, such title to the Trust Fund, or any
part thereof, and, subject to the other provisions of
this Section 8.10, such powers, duties, obligations,
rights and trusts as the Master Servicer and the
Trustee may consider necessary or desirable. If the
Master Servicer shall not have joined in such
appointment within 15 days after the receipt by it of a
request so to do, or in case an Event of Default shall
have occurred and be continuing, the Trustee alone
shall have the power to make such appointment. No
co-trustee or separate trustee hereunder shall be
required to meet the terms of eligibility as a
successor trustee under Section 8.06 hereunder and no
notice to Holders of Certificates or the Owner of the
Excess Spread of the appointment of co-trustee(s) or
separate trustee(s) shall be required under Section
8.08 hereof.
(b) In the case of any appointment of a
co-trustee or separate trustee pursuant to this Section
8.10 all rights, powers, duties and obligations
conferred or imposed upon the Trustee shall be
conferred or imposed upon and exercised or performed by
the Trustee, and such separate trustee or co-trustee
jointly, except to the extent that under any law of any
jurisdiction in which any particular act or acts are to
be performed (whether as Trustee hereunder or as
successor to the Master Servicer hereunder), the
Trustee shall be incompetent or unqualified to perform
such act or acts, in which event such rights, powers,
duties and obligations (including the holding of title
to the Trust Fund or any portion thereof in any such
jurisdiction) shall be exercised and performed by such
separate trustee or co-trustee at the direction of the
Trustee.
(c) Any notice, request or other writing given to
the Trustee shall be deemed to have been given to each
of the then separate trustees and co-trustees, as
effectively as if given to each of them. Every
instrument appointing any separate trustee or
co-trustee shall refer to this Agreement and the
conditions of this Article VIII. Each separate trustee
and co-trustee, upon its acceptance of the trusts
conferred, shall be vested with the estates or property
specified in its instrument of appointment, either
jointly with the Trustee or separately, as may be
provided therein, subject to all the provisions of this
Agreement, specifically including every provision of
this Agreement relating to the conduct of, affecting
the liability of, or affording protection to, the
Trustee. Every such instrument shall be filed with the
Trustee.
(d) Any separate trustee or co-trustee may, at
any time, constitute the Trustee, its agent or
attorney-in-fact, with full power and authority, to the
extent not prohibited by law, to do any lawful act
under or in respect of this Agreement on its behalf and
in its name. If any separate trustee or co-trustee
shall die, become incapable of acting, resign or be
removed, all of its estates, properties, rights,
remedies and trusts shall vest in and be exercised by
the Trustee, to the extent permitted by law, without
the appointment of a new or successor trustee.
Section 8.11. Appointment of Custodians.
The Trustee may, with the consent of the Master
Servicer and the Company, appoint one or more
Custodians who are not Affiliates of the Company, the
Master Servicer or any Seller to hold all or a portion
of the Mortgage Files as agent for the Trustee, by
entering into a Custodial Agreement. Subject to
Article VIII, the Trustee agrees to comply with the
terms of each Custodial Agreement and to enforce the
terms and provisions thereof against the Custodian for
the benefit of the Certificateholders and the Owner of
the Excess Spread. Each Custodian shall be a
depository institution subject to supervision by
federal or state authority, shall have a combined
capital and surplus of at least $15,000,000 and shall
be qualified to do business in the jurisdiction in
which it holds any Mortgage File. Each Custodial
Agreement may be amended only as provided in Section
11.01. The Trustee shall notify the Certificateholders
and the Owner of the Excess Spread of the appointment
of any Custodian (other than the Custodian appointed as
of the Closing Date) pursuant to this Section 8.11.
Section 8.12. Appointment of Office or Agency.
The Trustee will maintain an office or agency in
the City of New York where Certificates may be
surrendered for registration of transfer or exchange.
The Trustee initially designates its offices located at
14 Wall Street, 8th Floor, New York, NY 10005 for the
purpose of keeping the Certificate Register. The
Trustee will maintain an office at the address stated
in Section 11.05(c) hereof where notices and demands to
or upon the Trustee in respect of this Agreement may be
served.
ARTICLE IX
TERMINATION
Section 9.01. Termination Upon Purchase by the
Master Servicer or the Company or
Liquidation of All Mortgage Loans.
(a) Subject to Section 9.03, the respective
obligations and responsibilities of the Company, the
Master Servicer and the Trustee created hereby in
respect of the Certificates and the Excess Spread
(other than the obligation of the Trustee to make
certain payments after the Final Distribution Date to
Certificateholders and the Owner of the Excess Spread
and the obligation of the Company to send certain
notices as hereinafter set forth) shall terminate upon
the last action required to be taken by the Trustee on
the Final Distribution Date pursuant to this Article IX
following the earlier of:
(i) the later of the final payment or
other liquidation (or any Advance with respect
thereto) of the last Mortgage Loan remaining in
the Trust Fund or the disposition of all property
acquired upon foreclosure or deed in lieu of
foreclosure of any Mortgage Loan, or
(ii) the purchase by the Master Servicer or
the Company of all Mortgage Loans and all property
acquired in respect of any Mortgage Loan remaining
in the Trust Fund at a price equal to 100% of the
unpaid principal balance of each Mortgage Loan or,
if less than such unpaid principal balance, the
fair market value of the related underlying
property of such Mortgage Loan with respect to
Mortgage Loans as to which title has been acquired
if such fair market value is less than such unpaid
principal balance (net of any unreimbursed
Advances attributable to principal) on the day of
repurchase plus accrued interest thereon at the
Net Mortgage Rate to, but not including, the first
day of the month in which such repurchase price is
distributed, provided, however, that in no event
shall the trust created hereby continue beyond the
expiration of 21 years from the death of the last
survivor of the descendants of Joseph P. Kennedy,
the late ambassador of the United States to the
Court of St. James, living on the date hereof and
provided further that the purchase price set forth
above shall be increased as is necessary, as
determined by the Master Servicer, to avoid
disqualification of either REMIC I or REMIC II as
a REMIC.
The right of the Master Servicer or the Company to
purchase all the assets of the Trust Fund pursuant to
clause (ii) above is conditioned upon the Pool Stated
Principal Balance as of the Final Distribution Date
being less than ten percent of the Cut-off Date
Principal Balance of the Mortgage Loans. If such right
is exercised by the Master Servicer, the Master
Servicer shall be deemed to have been reimbursed for
the full amount of any unreimbursed Advances
theretofore made by it with respect to the Mortgage
Loans. In addition, the Master Servicer or the
Company, as applicable, shall provide to the Trustee
the certification required by Section 3.15 and the
Trustee and any Custodian shall, promptly following
payment of the purchase price, release to the Master
Servicer or the Company, as applicable, the Mortgage
Files pertaining to the Mortgage Loans being purchased.
(b) The Master Servicer or, in the case of a
final distribution as a result of the exercise by the
Company of its right to purchase the assets of the
Trust Fund, the Company shall give the Trustee not less
than 60 days' prior notice of the Distribution Date on
which the Master Servicer or the Company, as
applicable, anticipates that the final distribution
will be made to Certificateholders and the Owner of the
Excess Spread (whether as a result of the exercise by
the Master Servicer or the Company of its right to
purchase the assets of the Trust Fund or otherwise).
Notice of any termination, specifying the anticipated
Final Distribution Date (which shall be a date that
would otherwise be a Distribution Date) upon which the
Certificateholders may surrender their Certificates to
the Trustee (if so required by the terms hereof) for
payment of the final distribution and cancellation,
shall be given promptly by the Master Servicer or the
Company, as applicable (if it is exercising its right
to purchase the assets of the Trust Fund), or by the
Trustee (in any other case) by letter to the
Certificateholders and the Owner of the Excess Spread
mailed not earlier than the 15th day and not later than
the 25th day of the month next preceding the month of
such final distribution specifying:
(i) the anticipated Final Distribution
Date upon which final payment of the Certificates
and the Excess Spread is anticipated to be made
upon presentation and surrender of Certificates at
the office or agency of the Trustee therein
designated,
(ii) the amount of any such final payment, if
known, and
(iii) that the Record Date otherwise
applicable to such Distribution Date is not
applicable, and in the case of the Class A
Certificates, Class M Certificates and Class R
Certificates, that payment will be made only upon
presentation and surrender of the Certificates at
the office or agency of the Trustee therein
specified.
If the Master Servicer or the Company, as applicable,
is obligated to give notice to Certificateholders and
the Owner of the Excess Spread as aforesaid, it shall
give such notice to the Certificate Registrar at the
time such notice is given to Certificateholders and the
Owner of the Excess Spread. In the event such notice
is given by the Master Servicer or the Company, the
Master Servicer or the Company, as applicable, shall
deposit in the Certificate Account before the Final
Distribution Date in immediately available funds an
amount equal to the purchase price for the assets of
the Trust Fund computed as above provided.
(c) In the case of the Class A Certificates,
Class M and the Class R Certificates, upon presentation
and surrender of the Certificates by the
Certificateholders thereof, the Trustee shall
distribute to the Certificateholders (i) the amount
otherwise distributable on such Distribution Date, if
not in connection with the Master Servicer's or the
Company's election to repurchase, or (ii) if the Master
Servicer or the Company elected to so repurchase, an
amount determined as follows: (A) with respect to each
Certificate the outstanding Certificate Principal
Balance thereof, plus one month's Accrued Certificate
Interest and any previously unpaid Accrued Certificate
Interest, subject to the priority set forth in Section
4.02(a), and (B) with respect to the Class R
Certificates, any excess of the amounts available for
distribution (including the repurchase price specified
in clause (ii) of subsection (a) of this Section) over
the total amount distributed under the immediately
preceding clause (A) and the Excess Spread. The
Trustee shall also distribute to the Owner the Excess
Spread.
(d) In the event that any Certificateholders
shall not surrender their Certificates for final
payment and cancellation on or before the Final
Distribution Date (if so required by the terms hereof),
the Trustee shall on such date cause all funds in the
Certificate Account not distributed in final
distribution to Certificateholders to be withdrawn
therefrom and credited to the remaining
Certificateholders by depositing such funds in a
separate escrow account for the benefit of such
Certificateholders, and the Master Servicer or the
Company, as applicable (if it exercised its right to
purchase the assets of the Trust Fund), or the Trustee
(in any other case) shall give a second written notice
to the remaining Certificateholders to surrender their
Certificates for cancellation and receive the final
distribution with respect thereto. If within six
months after the second notice any Certificate shall
not have been surrendered for cancellation, the Trustee
shall take appropriate steps as directed by the Master
Servicer or the Company, as applicable, to contact the
remaining Certificateholders concerning surrender of
their Certificates. The costs and expenses of
maintaining the escrow account and of contacting
Certificateholders shall be paid out of the assets
which remain in the escrow account. If within nine
months after the second notice any Certificates shall
not have been surrendered for cancellation, the Trustee
shall pay to the Master Servicer or the Company, as
applicable, all amounts distributable to the holders
thereof and the Master Servicer or the Company, as
applicable, shall thereafter hold such amounts until
distributed to such holders. No interest shall accrue
or be payable to any Certificateholder on any amount
held in the escrow account or by the Master Servicer or
the Company, as applicable, as a result of such
Certificateholder's failure to surrender its
Certificate(s) for final payment thereof in accordance
with this Section 9.01.
Section 9.02. Termination of REMIC II.
REMIC II shall be terminated on the earlier
of the Final Distribution Date and the date on which it
is deemed to receive the last deemed distributions on
the Uncertificated REMIC I Regular Interests and the
last distribution due on the Class A, Class M, Class B
and Class R-II Certificates is made.
Section 9.03. Additional Termination
Requirements.
(a) REMIC I and REMIC II as the case may be,
shall be terminated in accordance with the following
additional requirements, unless (subject to Section
10.01(f)) the Trustee and the Master Servicer have
received an Opinion of Counsel (which Opinion of
Counsel shall not be an expense of the Trustee) to the
effect that the failure of REMIC I and REMIC II, as the
case may be, to comply with the requirements of this
Section 9.03 will not (i) result in the imposition on
the Trust of taxes on "prohibited transactions," as
described in Section 860F of the Code, or (ii) cause
either REMIC I or REMIC II to fail to qualify as a
REMIC at any time that any Certificate is outstanding:
(i) The Master Servicer shall establish
a 90-day liquidation period for REMIC I and REMIC
II, as the case may be, and specify the first day
of such period in a statement attached to the
Trust Fund's final Tax Return pursuant to Treasury
regulations Section 1.860F-1. The Master Servicer
also shall satisfy all of the requirements of a
qualified liquidation for REMIC I and REMIC II, as
the case may be, under Section 860F of the Code
and regulations thereunder;
(ii) The Master Servicer shall notify the
Trustee at the commencement of such 90-day
liquidation period and, at or prior to the time of
making of the final payment on the Certificates,
the Trustee shall sell or otherwise dispose of all
of the remaining assets of the Trust Fund in
accordance with the terms hereof; and
(iii) If the Master Servicer or the
Company is exercising its right to purchase the
assets of the Trust Fund, the Master Servicer
shall, during the 90-day liquidation period and at
or prior to the Final Distribution Date, purchase
all of the assets of the Trust Fund for cash;
provided, however, that in the event that a
calendar quarter ends after the commencement of
the 90-day liquidation period but prior to the
Final Distribution Date, the Master Servicer or
the Company shall not purchase any of the assets
of the Trust Fund prior to the close of that
calendar quarter.
(b) Each Holder of a Certificate and the Trustee
hereby irrevocably approves and appoints the Master
Servicer as its attorney-in-fact to adopt a plan of
complete liquidation for REMIC I and REMIC II at the
expense of the Trust Fund in accordance with the terms
and conditions of this Agreement.
ARTICLE X
REMIC PROVISIONS
Section 10.01. REMIC Administration.
(a) The REMIC Administrator shall make an
election to treat each of REMIC I and REMIC II as a
REMIC under the Code and, if necessary, under
applicable state law. Each such election will be made
on Form 1066 or other appropriate federal tax or
information return (including Form 8811) or any
appropriate state return for the taxable year ending on
the last day of the calendar year in which the
Certificates are issued. For the purposes of the REMIC
I election in respect of the Trust Fund, Uncertificated
REMIC I Regular Interests shall be designated as the
"regular interests" and the Class R-I Certificates
shall be designated as the sole class of "residual
interest" in REMIC I. For the purposes of the REMIC II
election in respect of the Trust Fund, the Class A,
Class M and Class B Certificates and the Excess Spread
shall be designated as the "regular interests" and the
Class R-II Certificates shall be designated as the sole
class of "residual interests" in REMIC II. The REMIC
Administrator and the Trustee shall not permit the
creation of any "interests" (within the meaning of
Section 860G of the Code) in REMIC I or REMIC II other
than the Uncertificated REMIC I Regular Interests and
the Class R-I Certificates and the REMIC II
Certificates, the Excess Spread and the Class R-II
Certificates, respectively.
(b) The Closing Date is hereby designated as
the "startup day" of the Trust Fund within the meaning
of Section 860G(a)(9) of the Code.
(c) The REMIC Administrator shall hold a
Class R Certificate representing a 0.01% Percentage
Interest of all Class R-I Certificates and Class R-II
Certificates and shall be designated as "the tax
matters person" with respect to REMIC I and REMIC II in
the manner provided under Treasury regulations section
1.860F-4(d) and temporary Treasury regulations section
301.6231(a)(7)-1T. Residential Funding, as tax matters
person, shall (i) act on behalf of REMIC I and REMIC II
in relation to any tax matter or controversy involving
the Trust Fund and (ii) represent the Trust Fund in any
administrative or judicial proceeding relating to an
examination or audit by any governmental taxing
authority with respect thereto. The legal expenses,
including without limitation attorneys' or accountants'
fees, and costs of any such proceeding and any
liability resulting therefrom shall be expenses of the
Trust Fund and the REMIC Administrator shall be
entitled to reimbursement therefor out of amounts
attributable to the Mortgage Loans on deposit in the
Custodial Account as provided by Section 3.10 unless
such legal expenses and costs are incurred by reason of
the REMIC Administrator's willful misfeasance, bad
faith or gross negligence. If the REMIC Administrator
is no longer the Master Servicer hereunder, at its
option the REMIC Administrator may continue its duties
as REMIC Administrator and shall be paid reasonable
compensation by any successor Master Servicer hereunder
for so acting as the REMIC Administrator.
(d) The REMIC Administrator shall prepare or
cause to be prepared all of the Tax Returns that it
determines are required with respect to either REMIC I
or REMIC II created hereunder and deliver such Tax
Returns in a timely manner to the Trustee and the
Trustee shall sign and file such Tax Returns in a
timely manner. The expenses of preparing such returns
shall be borne by the REMIC Administrator without any
right of reimbursement therefor. The REMIC
Administrator agrees to indemnify and hold harmless the
Trustee with respect to any tax or liability arising
from the Trustee's signing of Tax Returns that contain
errors or omissions. The Trustee and Master Servicer
shall promptly provide the REMIC Administrator with
such information as the REMIC Administrator may from
time to time request for the purpose of enabling the
REMIC Administrator to prepare Tax Returns.
(e) The REMIC Administrator shall provide
(i) to any Transferor of a Class R Certificate such
information as is necessary for the application of any
tax relating to the transfer of a Class R Certificate
to any Person who is not a Permitted Transferee, (ii)
to the Trustee and the Trustee shall forward to the
Certificateholders such information or reports as are
required by the Code or the REMIC Provisions including
reports relating to interest, original issue discount
and market discount or premium (using the Prepayment
Assumption) and (iii) to the Internal Revenue Service
the name, title, address and telephone number of the
person who will serve as the representative of each of
REMIC I and REMIC II.
(f) The Master Servicer and the REMIC
Administrator shall take such actions and shall cause
each of REMIC I and REMIC II created hereunder to take
such actions as are reasonably within the Master
Servicer's or the REMIC Administrator's control and the
scope of its duties more specifically set forth herein
as shall be necessary or desirable to maintain the
status thereof as REMICs under the REMIC Provisions
(and the Trustee shall assist the Master Servicer and
the REMIC Administrator, to the extent reasonably
requested by the Master Servicer and the REMIC
Administrator to do so). The Master Servicer and the
REMIC Administrator shall not knowingly or
intentionally take any action, cause each of REMIC I
and REMIC II to take any action or fail to take (or
fail to cause to be taken) any action reasonably within
their respective control, that, under the REMIC
Provisions, if taken or not taken, as the case may be,
could (i) endanger the status of either REMIC I or
REMIC II as a REMIC or (ii) result in the imposition of
a tax upon each of REMIC I or REMIC II (including but
not limited to the tax on prohibited transactions as
defined in Section 860F(a)(2) of the Code and the tax
on contributions to a REMIC set forth in Section
860G(d) of the Code) (either such event, in the absence
of an Opinion of Counsel or the indemnification
referred to in this sentence, an "Adverse REMIC Event")
unless the Master Servicer or the REMIC Administrator,
as applicable, has received an Opinion of Counsel (at
the expense of the party seeking to take such action
or, if such party fails to pay such expense, and the
Master Servicer or the REMIC Administrator, as
applicable, determines that taking such action is in
the best interest of the Trust Fund and the
Certificateholders, at the expense of the Trust Fund,
but in no event at the expense of the Master Servicer,
the REMIC Administrator or the Trustee) to the effect
that the contemplated action will not, with respect to
each of REMIC I and REMIC II created hereunder,
endanger such status or, unless the Master Servicer,
the REMIC Administrator or both, as applicable,
determine in its or their sole discretion to indemnify
the Trust Fund against the imposition of such a tax,
result in the imposition of such a tax. Wherever in
this Agreement a contemplated action may not be taken
because the timing of such action might result in the
imposition of a tax on the Trust Fund, or may only be
taken pursuant to an Opinion of Counsel that such
action would not impose a tax on the Trust Fund, such
action may nontheless be taken provided that the
indemnity given in the preceding sentence with respect
to any taxes that might be imposed on the Trust Fund
has been given and that all other preconditions to the
taking of such action have been satisfied. The Trustee
shall not take or fail to take any action (whether or
not authorized hereunder) as to which the Master
Servicer or the REMIC Administrator, as applicable, has
advised it in writing that it has received an Opinion
of Counsel to the effect that an Adverse REMIC Event
could occur with respect to such action. In addition,
prior to taking any action with respect to REMIC I or
REMIC II or their assets, or causing REMIC I and REMIC
II to take any action, which is not expressly
permitted under the terms of this Agreement, the
Trustee will consult with the Master Servicer or the
REMIC Administrator, as applicable, or its designee, in
writing, with respect to whether such action could
cause an Adverse REMIC Event to occur with respect to
REMIC I or REMIC II, and the Trustee shall not take any
such action or cause REMIC I or REMIC II to take any
such action as to which the Master Servicer or the
REMIC Administrator, as applicable, has advised it in
writing that an Adverse REMIC Event could occur. The
Master Servicer or the REMIC Administrator, as
applicable, may consult with counsel to make such
written advice, and the cost of same shall be borne by
the party seeking to take the action not expressly
permitted by this Agreement, but in no event at the
expense of the Master Servicer or the REMIC
Administrator. At all times as may be required by the
Code, the Master Servicer will to the extent within its
control and the scope of its duties more specifically
set forth herein, maintain substantially all of the
assets of REMIC I and REMIC II as "qualified mortgages"
as defined in Section 860G(a)(3) of the Code and
"permitted investments" as defined in Section
860G(a)(5) of the Code.
(g) In the event that any tax is imposed on
"prohibited transactions" of REMIC I and REMIC II
created hereunder as defined in Section 860F(a)(2) of
the Code, on "net income from foreclosure property" of
REMIC I or REMIC II as defined in Section 860G(c) of
the Code, on any contributions to REMIC I or REMIC II
after the Startup Day therefor pursuant to Section
860G(d) of the Code, or any other tax is imposed by the
Code or any applicable provisions of state or local tax
laws, such tax shall be charged (i) to the Master
Servicer, if such tax arises out of or results from a
breach by the Master Servicer of any of its obligations
under this Agreement or the Master Servicer has in its
sole discretion determined to indemnify the Trust Fund
against such tax, (ii) to the Trustee, if such tax
arises out of or results from a breach by the Trustee
of any of its obligations under this Article X, or
(iii) otherwise against amounts on deposit in the
Custodial Account as provided by Section 3.10 and on
the Distribution Date(s) following such reimbursement
the aggregate of such taxes shall be allocated in
reduction of the Accrued Certificate Interest on each
Class entitled thereto in the same manner as if such
taxes constituted a Prepayment Interest Shortfall.
(h) The Trustee and the Master Servicer
shall, for federal income tax purposes, maintain books
and records with respect to REMIC I and REMIC II on a
calendar year and on an accrual basis or as otherwise
may be required by the REMIC Provisions.
(i) Following the Startup Day, neither the
Master Servicer nor the Trustee shall accept any
contributions of assets to REMIC I and REMIC II unless
(subject to 10.01(f)) the Master Servicer and the
Trustee shall have received an Opinion of Counsel (at
the expense of the party seeking to make such
contribution) to the effect that the inclusion of such
assets in REMIC I and REMIC II will not cause REMIC I
and REMIC II to fail to qualify as REMICs at any time
that any Certificates are outstanding or subject REMIC
I and REMIC II to any tax under the REMIC Provisions or
other applicable provisions of federal, state and local
law or ordinances.
(j) Neither the Master Servicer nor the
Trustee shall (subject to Section 10.01(f)) enter into
any arrangement by which REMIC I and REMIC II will
receive a fee or other compensation for services nor
permit either such REMIC to receive any income from
assets other than "qualified mortgages" as defined in
Section 860G(a)(3) of the Code or "permitted
investments" as defined in Section 860G(a)(5) of the
Code.
(k) Solely for the purposes of Section
1.860G-1(a)(4)(iii) of the Treasury Regulations, the
"latest possible maturity date" by which the Excess
Spread, the Certificate Principal Balance of each Class
of Certificates representing a regular interest in
REMIC II and the Uncertificated Principal Balance of
each Uncertificated REMIC I Regular Interest would be
reduced to zero is March 25, 2026, which is the
Distribution Date immediately following the latest
scheduled maturity of any Mortgage Loan.
(l) Within 30 days after the Closing Date,
the REMIC Administrator shall prepare and file with the
Internal Revenue Service Form 8811, "Information Return
for Real Estate Mortgage Investment Conduits (REMIC)
and Issuers of Collateralized Debt Obligations" for
REMIC I and REMIC II.
(m) Neither the Trustee nor the Master
Servicer shall sell, dispose of or substitute for any
of the Mortgage Loans (except in connection with (i)
the default, imminent default or foreclosure of a
Mortgage Loan, including but not limited to, the
acquisition or sale of a Mortgaged Property acquired by
deed in lieu of foreclosure, (ii) the bankruptcy of
REMIC I and REMIC II, (iii) the termination of REMIC I
and REMIC II pursuant to Article IX of this Agreement
or (iv) a purchase of Mortgage Loans pursuant to
Article II or III of this Agreement) nor acquire any
assets for REMIC I and REMIC II, nor sell or dispose of
any investments in the Custodial Account or the
Certificate Account for gain nor accept any
contributions to REMIC I and REMIC II after the Closing
Date unless it has received an Opinion of Counsel that
such sale, disposition, substitution or acquisition
will not (a) affect adversely the status of REMIC I and
REMIC II as REMICs or (b) unless the Master Servicer
has determined in its sole discretion to indemnify the
Trust Fund against such tax, cause REMIC I and REMIC II
to be subject to a tax on "prohibited transactions" or
"contributions" pursuant to the REMIC Provisions.
Section 10.02. Master Servicer and Trustee
Indemnification.
(a) The Trustee agrees to indemnify the
Trust Fund, the Company, the REMIC Administrator and
the Master Servicer for any taxes and costs including,
without limitation, any reasonable attorneys fees
imposed on or incurred by the Trust Fund, the Company
or the Master Servicer, as a result of a breach of the
Trustee's covenants set forth in Article VIII or this
Article X.
(b) The REMIC Administrator agrees to
indemnify the Trust Fund, the Company, the Master
Servicer and the Trustee for any taxes and costs
(including, without limitation, any reasonable
attorneys' fees) imposed on or incurred by the Trust
Fund, the Company, the Master Servicer or the Trustee,
as a result of a breach of the REMIC Administrator's
covenants set forth in this Article X with respect to
compliance with the REMIC Provisions, including without
limitation, any penalties arising from the Trustee's
execution of Tax Returns prepared by the REMIC
Administrator that contain errors or omissions;
provided, however, that such liability will not be
imposed to the extent such breach is a result of an
error or omission in information provided to the REMIC
Administrator by the Master Servicer in which case
Section 10.02(c) will apply.
(c) The Master Servicer agrees to indemnify
the Trust Fund, the Company, the REMIC Administrator
and the Trustee for any taxes and costs (including,
without limitation, any reasonable attorneys' fees)
imposed on or incurred by the Trust Fund, the Company
or the Trustee, as a result of a breach of the Master
Servicer's covenants set forth in this Article X or in
Article III with respect to compliance with the REMIC
Provisions, including without limitation, any penalties
arising from the Trustee's execution of Tax Returns
prepared by the Master Servicer that contain errors or
omissions.
ARTICLE XI
MISCELLANEOUS PROVISIONS
Section 11.01. Amendment.
(a) This Agreement or any Custodial Agreement may
be amended from time to time by the Company, the Master
Servicer and the Trustee, without the consent of any of
the Certificateholders:
(i) to cure any ambiguity,
(ii) to correct or supplement any provisions
herein or therein, which may be inconsistent with
any other provisions herein or therein or to
correct any error,
(iii) to modify, eliminate or add to any
of its provisions to such extent as shall be
necessary or desirable to maintain the
qualification of the Trust Fund as a REMIC at all
times that any Certificate is outstanding or to
avoid or minimize the risk of the imposition of
any tax on the Trust Fund pursuant to the Code
that would be a claim against the Trust Fund,
provided that the Trustee has received an Opinion
of Counsel to the effect that (A) such action is
necessary or desirable to maintain such
qualification or to avoid or minimize the risk of
the imposition of any such tax and (B) such action
will not adversely affect in any material respect
the interests of any Certificateholder,
(iv) to change the timing and/or nature of
deposits into the Custodial Account or the
Certificate Account or to change the name in which
the Custodial Account is maintained, provided that
(A) the Certificate Account Deposit Date shall in
no event be later than the related Distribution
Date, (B) such change shall not, as evidenced by
an Opinion of Counsel, adversely affect in any
material respect the interests of any
Certificateholder and (C) such change shall not
result in a reduction of the rating assigned to
any Class of Certificates below the lower of the
then-current rating or the rating assigned to such
Certificates as of the Closing Date, as evidenced
by a letter from each Rating Agency to such
effect,
(v) to modify, eliminate or add to the
provisions of Section 5.02(g) or any other
provision hereof restricting transfer of the Class
R-I Certificates and Class R-II Certificates, by
virtue of their being the "residual interests" in
REMIC I and REMIC II, respectively, provided that
(A) such change shall not result in reduction of
the rating assigned to any such Class of
Certificates below the lower of the then-current
rating or the rating assigned to such Certificates
as of the Closing Date, as evidenced by a letter
from each Rating Agency to such effect, and (B)
such change shall not (subject to Section
10.01(f)), as evidenced by an Opinion of Counsel
(at the expense of the party seeking so to modify,
eliminate or add such provisions), cause either
REMIC I or REMIC II or any of the
Certificateholders (other than the transferor) to
be subject to a federal tax caused by a transfer
to a Person that is not a Permitted Transferee, or
(vi) to provide for the Excess Spread to be
certificated and designated as a Class A
Certificate, or
(vii) to make any other provisions with
respect to matters or questions arising under this
Agreement or such Custodial Agreement which shall
not be materially inconsistent with the provisions
of this Agreement, provided that such action shall
not, as evidenced by an Opinion of Counsel,
adversely affect in any material respect the
interests of any Certificateholder.
(b) This Agreement or any Custodial Agreement may
also be amended from time to time by the Company, the
Master Servicer and the Trustee with the consent of the
Holders of Certificates evidencing in the aggregate not
less than 66% of the Percentage Interests of each Class
of Certificates affected thereby and the Owner of the
Excess Spread, if affected thereby, for the purpose of
adding any provisions to or changing in any manner or
eliminating any of the provisions of this Agreement or
such Custodial Agreement or of modifying in any manner
the rights of the Holders of Certificates of such Class
or of the Excess Spread; provided, however, that no
such amendment shall:
(i) reduce in any manner the amount of,
or delay the timing of, payments which are
required to be distributed on any Certificate or
the Excess Spread without the consent of the
Holder of such Certificate or the Owner of the
Excess Spread,
(ii) reduce the aforesaid percentage of
Certificates of any Class the Holders of which are
required to consent to any such amendment, in any
such case without the consent of the Holders of
all Certificates of such Class then outstanding.
(c) Notwithstanding any contrary provision of
this Agreement, the Trustee shall not consent to any
amendment to this Agreement unless it shall have first
received an Opinion of Counsel (subject to Section
10.01(f) and at the expense of the party seeking such
amendment) to the effect that such amendment or the
exercise of any power granted to the Master Servicer,
the Company or the Trustee in accordance with such
amendment will not result in the imposition of a
federal tax on the Trust Fund or cause either REMIC I
or REMIC II to fail to qualify as a REMIC at any time
that any Certificate is outstanding.
(d) Promptly after the execution of any such
amendment the Trustee shall furnish written
notification of the substance of such amendment to each
Certificateholder and the Owner of the Excess Spread.
It shall not be necessary for the consent of
Certificateholders under this Section 11.01 to approve
the particular form of any proposed amendment, but it
shall be sufficient if such consent shall approve the
substance thereof. The manner of obtaining such
consents and of evidencing the authorization of the
execution thereof by Certificateholders shall be
subject to such reasonable regulations as the Trustee
may prescribe.
(e) The Company shall have the option, in its
sole discretion, to obtain and deliver to the Trustee
any corporate guaranty, payment obligation, irrevocable
letter of credit, surety bond, insurance policy or
similar instrument or a reserve fund, or any
combination of the foregoing, for the purpose of
protecting the Holders of the Class B Certificates
against any or all Realized Losses or other shortfalls.
Any such instrument or fund shall be held by the
Trustee for the benefit of the Class B
Certificateholders, but shall not be and shall not be
deemed to be under any circumstances included in the
Trust Fund. To the extent that any such instrument or
fund constitutes a reserve fund for federal income tax
purposes, (i) any reserve fund so established shall be
an outside reserve fund and not an asset of the Trust
Fund, (ii) any such reserve fund shall be owned by the
Company, and (iii) amounts transferred by the Trust
Fund to any such reserve fund shall be treated as
amounts distributed by the Trust Fund to the Company or
any successor, all within the meaning of Treasury
Regulations Section 1.860G-2(h) as it reads as of the
Cut-off Date. In connection with the provision of any
such instrument or fund, this Agreement and any
provision hereof may be modified, added to, deleted or
otherwise amended in any manner that is related or
incidental to such instrument or fund or the
establishment or administration thereof, such amendment
to be made by written instrument executed or consented
to by the Company but without the consent of any
Certificateholder and without the consent of the Master
Servicer or the Trustee being required unless any such
amendment would impose any additional obligation on, or
otherwise adversely affect the interests of the Class A
Certificateholders, the Class R Certificateholders, the
Class M Certificateholders, the Master Servicer or the
Trustee, as applicable; provided that the Company
obtains (subject to Section 10.01(f)) an Opinion of
Counsel (which need not be an opinion of Independent
counsel) to the effect that any such amendment will not
cause (a) any federal tax to be imposed on the Trust
Fund, including without limitation, any federal tax
imposed on "prohibited transactions" under Section
860F(a)(1) of the Code or on "contributions after the
startup date" under Section 860G(d)(1) of the Code and
(b) either REMIC I or REMIC II to fail to qualify as a
REMIC at any time that any Certificate is outstanding.
In the event that the Company elects to provide such
coverage in the form of a limited guaranty provided by
General Motors Acceptance Corporation, the Company may
elect that the text of such amendment to this Agreement
shall be substantially in the form attached hereto as
Exhibit M (in which case Residential Funding's
Subordinate Certificate Loss Obligation as described in
such exhibit shall be established by Residential
Funding's consent to such amendment) and that the
limited guaranty shall be executed in the form attached
hereto as Exhibit N, with such changes as the Company
shall deem to be appropriate; it being understood that
the Trustee has reviewed and approved the content of
such forms and that the Trustee's consent or approval
to the use thereof is not required.
Section 11.02. Recordation of Agreement;
Counterparts.
(a) To the extent permitted by applicable law,
this Agreement is subject to recordation in all
appropriate public offices for real property records in
all the counties or other comparable jurisdictions in
which any or all of the properties subject to the
Mortgages are situated, and in any other appropriate
public recording office or elsewhere, such recordation
to be effected by the Master Servicer and at its
expense on direction by the Trustee (pursuant to the
request of Holders of Certificates entitled to at least
25% of the Voting Rights), but only upon direction
accompanied by an Opinion of Counsel to the effect that
such recordation materially and beneficially affects
the interests of the Certificateholders.
(b) For the purpose of facilitating the
recordation of this Agreement as herein provided and
for other purposes, this Agreement may be executed
simultaneously in any number of counterparts, each of
which counterparts shall be deemed to be an original,
and such counterparts shall constitute but one and the
same instrument.
Section 11.03. Limitation on Rights
of Certificateholders.
(a) The death or incapacity of any
Certificateholder shall not operate to terminate this
Agreement or the Trust Fund, nor entitle such
Certificateholder's legal representatives or heirs to
claim an accounting or to take any action or proceeding
in any court for a partition or winding up of the Trust
Fund, nor otherwise affect the rights, obligations and
liabilities of any of the parties hereto.
(b) No Certificateholder shall have any right to
vote (except as expressly provided herein) or in any
manner otherwise control the operation and management
of the Trust Fund, or the obligations of the parties
hereto, nor shall anything herein set forth, or
contained in the terms of the Certificates, be
construed so as to constitute the Certificateholders or
the Owner of the Excess Spread from time to time as
partners or members of an association; nor shall any
Certificateholder or the Owner of the Excess Spread be
under any liability to any third person by reason of
any action taken by the parties to this Agreement
pursuant to any provision hereof.
(c) Neither the Owner of the Excess Spread nor
any Certificateholder shall have any right by virtue of
any provision of this Agreement to institute any suit,
action or proceeding in equity or at law upon or under
or with respect to this Agreement, unless such Holder
previously shall have given to the Trustee a written
notice of default and of the continuance thereof, as
hereinbefore provided, and unless also the Holders of
Certificates of any Class evidencing in the aggregate
not less than 25% of the related Percentage Interests
of such Class, shall have made written request upon the
Trustee to institute such action, suit or proceeding in
its own name as Trustee hereunder and shall have
offered to the Trustee such reasonable indemnity as it
may require against the costs, expenses and liabilities
to be incurred therein or thereby, and the Trustee, for
60 days after its receipt of such notice, request and
offer of indemnity, shall have neglected or refused to
institute any such action, suit or proceeding it being
understood and intended, and being expressly covenanted
by each Certificateholder and the Owner of the Excess
Spread with every other Certificateholder and the
Trustee, that no one or more Holders of Certificates of
any Class shall have any right in any manner whatever
by virtue of any provision of this Agreement to affect,
disturb or prejudice the rights of the Holders of any
other of such Certificates of such Class or any other
Class, or to obtain or seek to obtain priority over or
preference to any other such Holder, or to enforce any
right under this Agreement, except in the manner herein
provided and for the common benefit of
Certificateholders of such Class or all Classes, as the
case may be. For the protection and enforcement of the
provisions of this Section 11.03, each and every
Certificateholder and the Trustee shall be entitled to
such relief as can be given either at law or in equity.
Section 11.04. Governing Law.
This agreement and the Certificates shall be
governed by and construed in accordance with the laws
of the State of New York and the obligations, rights
and remedies of the parties hereunder shall be
determined in accordance with such laws.
Section 11.05. Notices.
All demands and notices hereunder shall be in
writing and shall be deemed to have been duly given if
personally delivered at or mailed by registered mail,
postage prepaid (except for notices to the Trustee
which shall be deemed to have been duly given only when
received), to (a) in the case of the Company, 8400
Normandale Lake Boulevard, Suite 700, Minneapolis,
Minnesota 55437, Attention: President, or such other
address as may hereafter be furnished to the Master
Servicer and the Trustee in writing by the Company, (b)
in the case of the Master Servicer, 10 Universal City
Plaza, Suite 2100, Universal City, California 91608,
Attention: Ms. Becker or such other address as may be
hereafter furnished to the Company and the Trustee by
the Master Servicer in writing, (c) in the case of the
Trustee, One North State Street, Chicago, Illinois
60602, Attention: Residential Funding Corporation
Series 1996-S6 or such other address as may hereafter
be furnished to the Company and the Master Servicer in
writing by the Trustee, (d) in the case of Fitch, One
State Street Plaza, New York, New York 10004, or such
other address as may hereafter be furnished to the
Company, the Trustee and the Master Servicer in writing
by Fitch and (e) in the case of Standard & Poor's, 25
Broadway, New York, New York 10004 or such other
address as may be hereafter furnished to the Company,
Trustee, and Master Servicer by Standard & Poor's. Any
notice required or permitted to be mailed to a
Certificateholder shall be given by first class mail,
postage prepaid, at the address of such holder as shown
in the Certificate Register. Any notice so mailed
within the time prescribed in this Agreement shall be
conclusively presumed to have been duly given, whether
or not the Certificateholder receives such notice.
Section 11.06. Notices to Rating Agency.
The Company, the Master Servicer or the Trustee,
as applicable, shall notify each Rating Agency and the
Subservicer at such time as it is otherwise required
pursuant to this Agreement to give notice of the
occurrence of, any of the events described in clause
(a), (b), (c), (d), (g), (h), (i) or (j) below or
provide a copy to each Rating Agency at such time as
otherwise required to be delivered pursuant to this
Agreement of any of the statements described in clauses
(e) and (f) below:
(a) a material change or amendment to this
Agreement,
(b) the occurrence of an Event of Default,
(c) the termination or appointment of a
successor Master Servicer or Trustee or a change
in the majority ownership of the Trustee,
(d) the filing of any claim under the Master
Servicer's blanket fidelity bond and the errors
and omissions insurance policy required by Section
3.12 or the cancellation or modification of
coverage under any such instrument,
(e) the statement required to be delivered
to the Holders of each Class of Certificates and
the Owner of the Excess Spread pursuant to Section
4.03,
(f) the statements required to be delivered
pursuant to Sections 3.18 and 3.19,
(g) a change in the location of the
Custodial Account or the Certificate Account,
(h) the occurrence of any monthly cash flow
shortfall to the Holders of any Class of
Certificates or the Owner of the Excess Spread
resulting from the failure by the Master Servicer
to make an Advance pursuant to Section 4.04,
(i) the occurrence of the Final Distribution
Date, and
(j) the repurchase of or substitution for
any Mortgage Loan,
provided, however, that with respect to notice of the
occurrence of the events described in clauses (d), (g)
or (h) above, the Master Servicer shall provide prompt
written notice to each Rating Agency and the
Subservicer of any such event known to the Master
Servicer.
Section 11.07. Severability of Provisions.
If any one or more of the covenants, agreements,
provisions or terms of this Agreement shall be for any
reason whatsoever held invalid, then such covenants,
agreements, provisions or terms shall be deemed
severable from the remaining covenants, agreements,
provisions or terms of this Agreement and shall in no
way affect the validity or enforceability of the other
provisions of this Agreement or of the Certificates or
the rights of the Holders thereof.
IN WITNESS WHEREOF, the Company, the Master
Servicer and the Trustee have caused their names to be
signed hereto by their respective officers thereunto
duly authorized and their respective seals, duly
attested, to be hereunto affixed, all as of the day and
year first above written.
RESIDENTIAL FUNDING
MORTGAGE SECURITIES I,
INC.
[Seal]
By:
Name: Jill Johnson
Title: Vice
President
Attest:
Name:
Title: Vice President
RESIDENTIAL FUNDING
CORPORATION
[Seal]
By:
Name:
Title: Director
Attest:
Name: Jill Johnson
Title: Director
THE FIRST NATIONAL BANK
OF CHICAGO,
as Trustee
[Seal]
By:
Name:
Title:
Attest:
Name:
Title:
STATE OF MINNESOTA )
) ss.:
COUNTY OF HENNEPIN )
On the 28th day of March, 1996 before me, a
notary public in and for said State, personally appeared
Jill Johnson, known to me to be a Vice President of
Residential Funding Mortgage Securities I, Inc., one of
the corporations that executed the within instrument, and
also known to me to be the person who executed it on
behalf of said corporation, and acknowledged to me that
such corporation executed the within instrument.
IN WITNESS WHEREOF, I have hereunto set my hand
and affixed my official seal the day and year in this
certificate first above written.
Notary Public
[Notarial Seal]
STATE OF MINNESOTA )
) ss.:
COUNTY OF HENNEPIN )
On the 28th day of March, 1996 before me, a
notary public in and for said State, personally appeared
_______________, known to me to be a Director of
Residential Funding Corporation, one of the corporations
that executed the within instrument, and also known to me
to be the person who executed it on behalf of said
corporation, and acknowledged to me that such corporation
executed the within instrument.
IN WITNESS WHEREOF, I have hereunto set my hand
and affixed my official seal the day and year in this
certificate first above written.
Notary Public
[Notarial Seal]
STATE OF )
) ss.:
COUNTY OF )
On the 28th day of March, 1996 before me, a
notary public in and for said State, personally appeared
________________, known to me to be a ______________ of
The First National Bank of Chicago, the national banking
association that executed the within instrument, and also
known to me to be the person who executed it on behalf of
said corporation, and acknowledged to me that such
corporation executed the within instrument.
IN WITNESS WHEREOF, I have hereunto set my hand
and affixed my official seal the day and year in this
certificate first above written.
Notary Public
[Notarial Seal]
EXHIBIT A
FORM OF CLASS A CERTIFICATE
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES,
THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL
ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE
INTERNAL REVENUE CODE OF 1986.
[THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE
REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED,
OR THE SECURITIES LAWS OF ANY STATE AND MAY NOT BE RESOLD
OR TRANSFERRED UNLESS IT IS REGISTERED PURSUANT TO SUCH
ACT AND LAWS OR IS SOLD OR TRANSFERRED IN TRANSACTIONS
WHICH ARE EXEMPT FROM REGISTRATION UNDER SUCH ACT AND
UNDER APPLICABLE STATE LAW AND IS TRANSFERRED IN
ACCORDANCE WITH THE PROVISIONS OF SECTION 5.02 OF THE
AGREEMENT.]
[THE FOLLOWING INFORMATION IS PROVIDED SOLELY
FOR THE PURPOSES OF APPLYING THE U.S. FEDERAL INCOME TAX
ORIGINAL ISSUE DISCOUNT ("OID") RULES TO THIS
CERTIFICATE. THE ISSUE DATE OF THIS CERTIFICATE IS MARCH
28, 1996. ASSUMING THAT THE MORTGAGE LOANS PREPAY AT
265% OF THE STANDARD PREPAYMENT ASSUMPTION (AS DESCRIBED
IN THE PROSPECTUS SUPPLEMENT), [AND ASSUMING A CONSTANT
PASS-THROUGH RATE EQUAL TO THE INITIAL PASS-THROUGH
RATE,] THIS CERTIFICATE HAS BEEN ISSUED WITH NO MORE THAN
$_____ OF OID PER [$1,000] [$100,000] OF [INITIAL
CERTIFICATE PRINCIPAL BALANCE], THE YIELD TO MATURITY IS
___% AND THE AMOUNT OF OID ATTRIBUTABLE TO THE INITIAL
ACCRUAL PERIOD IS NO MORE THAN $_______ PER [$1,000]
[$100,000] OF [INITIAL CERTIFICATE PRINCIPAL BALANCE],
COMPUTED USING THE APPROXIMATE METHOD. NO REPRESENTATION
IS MADE THAT THE MORTGAGE LOANS WILL PREPAY AT A RATE
BASED ON THE STANDARD PREPAYMENT ASSUMPTION OR AT ANY
OTHER RATE OR AS TO THE CONSTANCY OF THE PASS-THROUGH
RATE.]
Certificate No. ____ [___%] Pass-Through
Rate [based on a
Notional Amount]
Class A-__ Senior
Date of Pooling and Servicing
Agreement and Cut-off Date: [Percentage
Interest: ___%]
March 1, 1996
Aggregate [Initial
Certificate Principal
Balance] [Notional
Amount] of the Class
A-__ Certificates:
First Distribution Date: [Class A-9 Component A: $_____
April 25, 1996 Class A-9 Component B: $_____
Class A-9 Component C: $_____
Class A-9 Component D: $_____
Class A-9 Component E: $_____
Class A-9 Component F: $_____
Class A-9 Component G: $_____
Class A-9 Component H: $_____
Master Servicer: [Initial] [Certificate Principal
Residential Funding Balance] of this
Corporation Certificate: $_____________]
Assumed Final
Distribution Date: CUSIP 760944-_____
March 25, 2026
MORTGAGE PASS-THROUGH CERTIFICATE
SERIES 1996-S6
evidencing a percentage interest in the
distributions allocable to the Class A-__
Certificates with respect to a Trust Fund
consisting primarily of a pool of conventional
one- to four-family fixed interest rate first
mortgage loans formed and sold by RESIDENTIAL
FUNDING MORTGAGE SECURITIES I, INC.
This Certificate is payable solely from the
assets of the Trust Fund, and does not represent an
obligation of or interest in Residential Funding Mortgage
Securities I, Inc., the Master Servicer, the Trustee
referred to below or GMAC Mortgage Corporation or any of
their affiliates. Neither this Certificate nor the
underlying Mortgage Loans are guaranteed or insured by
any governmental agency or instrumentality or by
Residential Funding Mortgage Securities I, Inc., the
Master Servicer, the Trustee or GMAC Mortgage Corporation
or any of their affiliates. None of the Company, the
Master Servicer, GMAC Mortgage Corporation or any of
their affiliates will have any obligation with respect to
any certificate or other obligation secured by or payable
from payments on the Certificates.
This certifies that
_____________________________ is the registered owner of
the Percentage Interest evidenced by this Certificate
[(obtained by dividing the Initial Certificate Principal
Balance of this Certificate by the aggregate Initial
Certificate Principal Balance of all Class A-___
Certificates, both as specified above)] in certain
distributions with respect to the Trust Fund consisting
primarily of an interest in a pool of conventional one-
to four-family fixed interest rate first mortgage loans
(the "Mortgage Loans"), formed and sold by Residential
Funding Mortgage Securities I, Inc. (hereinafter called
the "Company," which term includes any successor entity
under the Agreement referred to below). The Trust Fund
was created pursuant to a Pooling and Servicing Agreement
dated as specified above (the "Agreement") among the
Company, the Master Servicer and The First National Bank
of Chicago, as trustee (the "Trustee"), a summary of
certain of the pertinent provisions of which is set forth
hereafter. To the extent not defined herein, the
capitalized terms used herein have the meanings assigned
in the Agreement. This Certificate is issued under and
is subject to the terms, provisions and conditions of the
Agreement, to which Agreement the Holder of this
Certificate by virtue of the acceptance hereof assents
and by which such Holder is bound.
Pursuant to the terms of the Agreement, a
distribution will be made on the 25th day of each month
or, if such 25th day is not a Business Day, the Business
Day immediately following (the "Distribution Date"),
commencing as described in the Agreement, to the Person
in whose name this Certificate is registered at the close
of business on the last day (or if such last day is not
a Business Day, the Business Day immediately preceding
such last day) of the month immediately preceding the
month of such distribution (the "Record Date"), from the
Available Distribution Amount in an amount equal to the
product of the Percentage Interest evidenced by this
Certificate and the amount [(of interest and principal,
if any)] required to be distributed to Holders of Class
A-__ Certificates on such Distribution Date. [The
Notional Amount of (i) Class A-9 Component A as of any
date of determination is equal to 3/56th of the aggregate
Certificate Principal Balances of the Class A-1, Class A-
2 and Class A-3 Certificates as of such date, (ii) Class
A-9 Component E as of any date of determination is equal
to 1/7th of the aggregate Certificate Principal Balance
of the Class A-4 Certificates as of such date and, (iii)
Class A-9 Component H as of any date of determination is
equal to 3/56th of the aggregate Certificate Principal
Balances of the Class A-5, Class A-12 and Class A-13
Certificates as of such date.]
Distributions on this Certificate will be made
either by the Master Servicer acting on behalf of the
Trustee or by a Paying Agent appointed by the Trustee in
immediately available funds (by wire transfer or
otherwise) for the account of the Person entitled thereto
if such Person shall have so notified the Master Servicer
or such Paying Agent, or by check mailed to the address
of the Person entitled thereto, as such name and address
shall appear on the Certificate Register.
Notwithstanding the above, the final
distribution on this Certificate will be made after due
notice of the pendency of such distribution and only upon
presentation and surrender of this Certificate at the
office or agency appointed by the Trustee for that
purpose in the City and State of New York. [The Initial
Certificate Principal Balance of this Certificate, the
initial amounts of Class A-9 Component B, Class A-9
Component C, Class A-9 Component D, Class A-9 Component
F and Class A-9 Component G and the initial Notional
Amounts of Class A-9 Component A, Class A-9 Component E
and Class A-9 Component H are set forth above. The
Certificate Principal Balance hereof will be reduced to
the extent of distributions allocable to principal and
any Realized Losses allocable hereto.]
This Certificate is one of a duly authorized
issue of Certificates issued in several Classes
designated as Mortgage Pass-Through Certificates of the
Series specified hereon (herein collectively called the
"Certificates").
The Certificates are limited in right of
payment to certain collections and recoveries respecting
the Mortgage Loans, all as more specifically set forth
herein and in the Agreement. In the event Master
Servicer funds are advanced with respect to any Mortgage
Loan, such advance is reimbursable to the Master
Servicer, to the extent provided in the Agreement, from
related recoveries on such Mortgage Loan or from other
cash that would have been distributable to
Certificateholders.
As provided in the Agreement, withdrawals from
the Custodial Account and/or the Certificate Account
created for the benefit of Certificateholders may be made
by the Master Servicer from time to time for purposes
other than distributions to Certificateholders, such
purposes including without limitation reimbursement to
the Company and the Master Servicer of advances made, or
certain expenses incurred, by either of them.
The Agreement permits, with certain exceptions
therein provided, the amendment of the Agreement and the
modification of the rights and obligations of the
Company, the Master Servicer and the Trustee and the
rights of the Certificateholders under the Agreement at
any time by the Company, the Master Servicer and the
Trustee with the consent of the Holders of Certificates
evidencing in the aggregate not less than 66% of the
Percentage Interests of each Class of Certificates
affected thereby. Any such consent by the Holder of this
Certificate shall be conclusive and binding on such
Holder and upon all future holders of this Certificate
and of any Certificate issued upon the transfer hereof or
in exchange herefor or in lieu hereof whether or not
notation of such consent is made upon the Certificate.
The Agreement also permits the amendment thereof in
certain circumstances without the consent of the Holders
of any of the Certificates and, in certain additional
circumstances, without the consent of the Holders of
certain Classes of Certificates.
As provided in the Agreement and subject to
certain limitations therein set forth, the transfer of
this Certificate is registrable in the Certificate
Register upon surrender of this Certificate for
registration of transfer at the offices or agencies
appointed by the Trustee in the City and State of New
York, duly endorsed by, or accompanied by an assignment
in the form below or other written instrument of transfer
in form satisfactory to the Trustee and the Certificate
Registrar duly executed by the Holder hereof or such
Holder's attorney duly authorized in writing, and
thereupon one or more new Certificates of authorized
denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated
transferee or transferees.
The Certificates are issuable only as
registered Certificates without coupons in Classes and in
denominations specified in the Agreement. As provided in
the Agreement and subject to certain limitations therein
set forth, Certificates are exchangeable for new
Certificates of authorized denominations evidencing the
same Class and aggregate Percentage Interest, as
requested by the Holder surrendering the same.
No service charge will be made for any such
registration of transfer or exchange, but the Trustee may
require payment of a sum sufficient to cover any tax or
other governmental charge payable in connection
therewith.
The Company, the Master Servicer, the Trustee
and the Certificate Registrar and any agent of the
Company, the Master Servicer, the Trustee or the
Certificate Registrar may treat the Person in whose name
this Certificate is registered as the owner hereof for
all purposes, and neither the Company, the Master
Servicer, the Trustee nor any such agent shall be
affected by notice to the contrary.
This Certificate shall be governed by and
construed in accordance with the laws of the State of New
York.
The obligations created by the Agreement in
respect of the Certificates and the Trust Fund created
thereby shall terminate upon the payment to
Certificateholders of all amounts held by or on behalf of
the Trustee and required to be paid to them pursuant to
the Agreement following the earlier of (i) the maturity
or other liquidation of the last Mortgage Loan subject
thereto or the disposition of all property acquired upon
foreclosure or deed in lieu of foreclosure of any
Mortgage Loan and (ii) the purchase by the Master
Servicer or the Company from the Trust Fund of all
remaining Mortgage Loans and all property acquired in
respect of such Mortgage Loans, thereby effecting early
retirement of the Certificates. The Agreement permits,
but does not require, the Master Servicer or the Company
to (i) purchase at a price determined as provided in the
Agreement all remaining Mortgage Loans and all property
acquired in respect of any Mortgage Loan or (ii) purchase
in whole, but not in part, all of the Certificates from
the Holders thereof; provided, that any such option may
only be exercised if the Pool Stated Principal Balance of
the Mortgage Loans as of the Distribution Date upon which
the proceeds of any such purchase are distributed is less
than ten percent of the Cut-off Date Principal Balance of
the Mortgage Loans.
Reference is hereby made to the further
provisions of this Certificate set forth on the reverse
hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
Unless the certificate of authentication hereon
has been executed by the Certificate Registrar, by manual
signature, this Certificate shall not be entitled to any
benefit under the Agreement or be valid for any purpose.
IN WITNESS WHEREOF, the Trustee has caused this
Certificate to be duly executed.
Dated: THE FIRST NATIONAL BANK
OF CHICAGO,
as Trustee
By:
Authorized
Signatory
CERTIFICATE OF AUTHENTICATION
This is one of the Class A-__ Certificates
referred to in the within-mentioned Agreement.
THE FIRST NATIONAL BANK
OF CHICAGO,
as Certificate
Registrar
By:
Authorized
Signatory
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby
sell(s), assign(s) and transfer(s) unto
(Please print or typewrite name and address including
postal zip code of assignee) a Percentage Interest
evidenced by the within Mortgage Pass-Through Certificate
and hereby authorizes the transfer of registration of
such interest to assignee on the Certificate Register of
the Trust Fund.
I (We) further direct the Certificate Registrar
to issue a new Certificate of a like denomination and
Class, to the above named assignee and deliver such
Certificate to the following address:
Dated:
Signature by or on behalf of assignor
Signature Guaranteed
DISTRIBUTION INSTRUCTIONS
The assignee should include the following for
purposes of distribution:
Distributions shall be made, by wire transfer
or otherwise, in immediately available funds to
for the account of
account number , or,
if mailed by check, to
Applicable statements
should be mailed to
.
This information is provided by
, the assignee named above, or
, as its agent.
EXHIBIT B
FORM OF CLASS M CERTIFICATE
THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO
THE CLASS A CERTIFICATES AND CLASS R-I CERTIFICATES [AND]
CLASS R-II CERTIFICATES [AND CLASS M-1 CERTIFICATES] AS
DESCRIBED IN THE AGREEMENT (AS DEFINED BELOW).
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS
CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE
MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED,
RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL
REVENUE CODE OF 1986 (THE "CODE").
NO TRANSFER OF THIS CERTIFICATE MAY BE MADE TO AN
EMPLOYEE BENEFIT OR OTHER PLAN SUBJECT TO THE PROHIBITED
TRANSACTION PROVISIONS OF THE EMPLOYEE RETIREMENT INCOME
SECURITY ACT OF 1974, AS AMENDED, ("ERISA"), OR SECTION
4975 OF THE CODE, OR TO ANY PERSON WHO IS USING "PLAN
ASSETS" OF ANY SUCH PLAN TO ACQUIRE THIS CERTIFICATE,
UNLESS THE TRANSFEREE PROVIDES AN OPINION OF COUNSEL OR
CERTIFICATION PURSUANT TO SECTION 5.02(f) OF THE
AGREEMENT SATISFACTORY TO THE MASTER SERVICER, THE
COMPANY AND THE TRUSTEE THAT THE PURCHASE OF THIS
CERTIFICATE BY, ON BEHALF OF, OR WITH "PLAN ASSETS" OF
SUCH PLAN IS PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT
CONSTITUTE OR RESULT IN A NON-EXEMPT PROHIBITED
TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975 OF
THE CODE AND WILL NOT SUBJECT THE MASTER SERVICER, THE
COMPANY OR THE TRUSTEE TO ANY OBLIGATION OR LIABILITY IN
ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT.
THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED
UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR THE
SECURITIES LAWS OF ANY STATE AND MAY NOT BE RESOLD OR
TRANSFERRED UNLESS IT IS REGISTERED PURSUANT TO SUCH ACT
AND LAWS OR IS SOLD OR TRANSFERRED IN TRANSACTIONS WHICH
ARE EXEMPT FROM REGISTRATION UNDER SUCH ACT AND UNDER
APPLICABLE STATE LAW AND IS TRANSFERRED IN ACCORDANCE
WITH THE PROVISIONS OF SECTION 5.02 OF THE AGREEMENT.
[THE FOLLOWING INFORMATION IS PROVIDED SOLELY FOR THE
PURPOSES OF APPLYING THE U.S. FEDERAL INCOME TAX ORIGINAL
ISSUE DISCOUNT ("OID") RULES TO THIS CERTIFICATE. THE
ISSUE DATE OF THIS CERTIFICATE IS MARCH 28, 1996.
ASSUMING THAT THE MORTGAGE LOANS PREPAY AT 265% OF THE
STANDARD PREPAYMENT ASSUMPTION (AS DESCRIBED IN THE
PROSPECTUS SUPPLEMENT), THIS CERTIFICATE HAS BEEN ISSUED
WITH NO MORE THAN $ OF OID PER $1,000 OF
INITIAL CERTIFICATE PRINCIPAL BALANCE, THE YIELD TO
MATURITY IS % AND THE AMOUNT OF OID ATTRIBUTABLE TO
THE INITIAL ACCRUAL PERIOD IS NO MORE THAN $
PER $1,000 OF INITIAL CERTIFICATE PRINCIPAL BALANCE,
COMPUTED UNDER THE APPROXIMATE METHOD. NO REPRESENTATION
IS MADE THAT THE MORTGAGE LOANS WILL PREPAY AT A RATE
BASED ON THE STANDARD PREPAYMENT ASSUMPTION OR AT ANY
OTHER RATE.]
Certificate No. ___ 7.000% Pass-Through
Rate
Class M- Subordinate Aggregate
Certificate
Principal Balance
of the Class M
Certificates:
Date of Pooling and Servicing $_______________
Agreement and Cut-off Date:
March 1, 1996 Initial Certificate
Principal Balance of
this Certificate:
First Distribution Date: $_______________
April 25, 1996
CUSIP: 760944-_____
Master Servicer:
Residential Funding Corporation
Assumed Final Distribution Date:
March 25, 2026
MORTGAGE PASS-THROUGH CERTIFICATE,
SERIES 1996-S6
evidencing a percentage interest in any
distributions allocable to the Class M-__
Certificates with respect to the Trust Fund
consisting primarily of a pool of conventional
one- to four-family fixed interest rate first
mortgage loans formed and sold by RESIDENTIAL
FUNDING MORTGAGE SECURITIES I, INC.
This Certificate is payable solely from the
assets of the Trust Fund, and does not represent an
obligation of or interest in Residential Funding Mortgage
Securities I, Inc., the Master Servicer, the Trustee
referred to below or GMAC Mortgage Corporation or any of
their affiliates. Neither this Certificate nor the
underlying Mortgage Loans are guaranteed or insured by
any governmental agency or instrumentality or by
Residential Funding Mortgage Securities I, Inc., the
Master Servicer, the Trustee or GMAC Mortgage Corporation
or any of their affiliates. None of the Company, the
Master Servicer, GMAC Mortgage Corporation or any of
their affiliates will have any obligation with respect to
any certificate or other obligation secured by or payable
from payments on the Certificates.
This certifies that _________________________
is the registered owner of the Percentage Interest
evidenced by this Certificate (obtained by dividing the
Certificate Principal Balance of this Certificate by the
aggregate Certificate Principal Balance of all Class M-__
Certificates, both as specified above) in certain
distributions with respect to a Trust Fund consisting
primarily of a pool of conventional one- to four-family
fixed interest rate first mortgage loans (the "Mortgage
Loans"), formed and sold by Residential Funding Mortgage
Securities I, Inc. (hereinafter called the "Company,"
which term includes any successor entity under the
Agreement referred to below). The Trust Fund was created
pursuant to a Pooling and Servicing Agreement dated as
specified above (the "Agreement") among the Company, the
Master Servicer and The First National Bank of Chicago,
as trustee (the "Trustee"), a summary of certain of the
pertinent provisions of which is set forth hereafter. To
the extent not defined herein, the capitalized terms used
herein have the meanings assigned in the Agreement. This
Certificate is issued under and is subject to the terms,
provisions and conditions of the Agreement, to which
Agreement the Holder of this Certificate by virtue of the
acceptance hereof assents and by which such Holder is
bound.
Pursuant to the terms of the Agreement, a
distribution will be made on the 25th day of each month
or, if such 25th day is not a Business Day, the Business
Day immediately following (the "Distribution Date"),
commencing as described in the Agreement, to the Person
in whose name this Certificate is registered at the close
of business on the last day (or if such last day is not
a Business Day, the Business Day immediately preceding
such last day) of the month immediately preceding the
month of such distribution (the "Record Date"), from the
Available Distribution Amount in an amount equal to the
product of the Percentage Interest evidenced by this
Certificate and the amount (of interest and principal, if
any) required to be distributed to Holders of Class M-__
Certificates on such Distribution Date.
Distributions on this Certificate will be made
either by the Master Servicer acting on behalf of the
Trustee or by a Paying Agent appointed by the Trustee in
immediately available funds (by wire transfer or
otherwise) for the account of the Person entitled thereto
if such Person shall have so notified the Master Servicer
or such Paying Agent, or by check mailed to the address
of the Person entitled thereto, as such name and address
shall appear on the Certificate Register.
Notwithstanding the above, the final
distribution on this Certificate will be made after due
notice of the pendency of such distribution and only upon
presentation and surrender of this Certificate at the
office or agency appointed by the Trustee for that
purpose in the City and State of New York. The Initial
Certificate Principal Balance of this Certificate is set
forth above. The Certificate Principal Balance hereof
will be reduced to the extent of the distributions
allocable to principal and any Realized Losses allocable
hereto.
This Certificate is one of a duly authorized
issue of Certificates issued in several Classes
designated as Mortgage Pass-Through Certificates of the
Series specified hereon (herein collectively called the
"Certificates").
The Certificates are limited in right of
payment to certain collections and recoveries respecting
the Mortgage Loans, all as more specifically set forth
herein and in the Agreement. In the event Master
Servicer funds are advanced with respect to any Mortgage
Loan, such advance is reimbursable to the Master
Servicer, to the extent provided in the Agreement, from
related recoveries on such Mortgage Loan or from other
cash that would have been distributable to
Certificateholders.
As provided in the Agreement, withdrawals from
the Custodial Account and/or the Certificate Account
created for the benefit of Certificateholders may be made
by the Master Servicer from time to time for purposes
other than distributions to Certificateholders, such
purposes including without limitation reimbursement to
the Company and the Master Servicer of advances made, or
certain expenses incurred, by either of them.
The Agreement permits, with certain exceptions
therein provided, the amendment of the Agreement and the
modification of the rights and obligations of the
Company, the Master Servicer and the Trustee and the
rights of the Certificateholders under the Agreement at
any time by the Company, the Master Servicer and the
Trustee with the consent of the Holders of Certificates
evidencing in the aggregate not less than 66% of the
Percentage Interests of each Class of Certificates
affected thereby. Any such consent by the Holder of this
Certificate shall be conclusive and binding on such
Holder and upon all future holders of this Certificate
and of any Certificate issued upon the transfer hereof or
in exchange herefor or in lieu hereof whether or not
notation of such consent is made upon the Certificate.
The Agreement also permits the amendment thereof in
certain circumstances without the consent of the Holders
of any of the Certificates and, in certain additional
circumstances, without the consent of the Holders of
certain Classes of Certificates.
As provided in the Agreement and subject to
certain limitations therein set forth, the transfer of
this Certificate is registrable in the Certificate
Register upon surrender of this Certificate for
registration of transfer at the offices or agencies
appointed by the Trustee in the City and State of New
York, duly endorsed by, or accompanied by an assignment
in the form below or other written instrument of transfer
in form satisfactory to the Trustee and the Certificate
Registrar duly executed by the Holder hereof or such
Holder's attorney duly authorized in writing, and
thereupon one or more new Certificates of authorized
denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated
transferee or transferees.
The Certificates are issuable only as
registered Certificates without coupons in Classes and in
denominations specified in the Agreement. As provided in
the Agreement and subject to certain limitations therein
set forth, Certificates are exchangeable for new
Certificates of authorized denominations evidencing the
same Class and aggregate Percentage Interest, as
requested by the Holder surrendering the same.
No service charge will be made for any such
registration of transfer or exchange, but the Trustee may
require payment of a sum sufficient to cover any tax or
other governmental charge payable in connection
therewith.
The Company, the Master Servicer, the Trustee
and the Certificate Registrar and any agent of the
Company, the Master Servicer, the Trustee or the
Certificate Registrar may treat the Person in whose name
this Certificate is registered as the owner hereof for
all purposes, and neither the Company, the Master
Servicer, the Trustee nor any such agent shall be
affected by notice to the contrary.
This Certificate shall be governed by and
construed in accordance with the laws of the State of New
York.
The obligations created by the Agreement in
respect of the Certificates and the Trust Fund created
thereby shall terminate upon the payment to
Certificateholders of all amounts held by or on behalf of
the Trustee and required to be paid to them pursuant to
the Agreement following the earlier of (i) the maturity
or other liquidation of the last Mortgage Loan subject
thereto or the disposition of all property acquired upon
foreclosure or deed in lieu of foreclosure of any
Mortgage Loan and (ii) the purchase by the Master
Servicer or the Company from the Trust Fund of all
remaining Mortgage Loans and all property acquired in
respect of such Mortgage Loans, thereby effecting early
retirement of the Certificates. The Agreement permits,
but does not require, the Master Servicer or the Company
to (i) purchase at a price determined as provided in the
Agreement all remaining Mortgage Loans and all property
acquired in respect of any Mortgage Loan or (ii) purchase
in whole, but not in part, all of the Certificates from
the Holders thereof; provided, that any such option may
only be exercised if the Pool Stated Principal Balance of
the Mortgage Loans as of the Distribution Date upon which
the proceeds of any such purchase are distributed is less
than ten percent of the Cut-off Date Principal Balance of
the Mortgage Loans.
Unless the certificate of authentication hereon
has been executed by the Certificate Registrar, by manual
signature, this Certificate shall not be entitled to any
benefit under the Agreement or be valid for any purpose.
IN WITNESS WHEREOF, the Trustee has caused this
Certificate to be duly executed.
Dated: THE FIRST NATIONAL BANK
OF CHICAGO,
as Trustee
By:
Authorized Signatory
CERTIFICATE OF AUTHENTICATION
This is one of the Class M-__ Certificates
referred to in the within-mentioned Agreement.
THE FIRST NATIONAL BANK
OF CHICAGO,
as Certificate Registrar
By:
Authorized Signatory
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby
sell(s), assign(s) and transfer(s) unto
(Please print or typewrite name and address including
postal zip code of assignee) a Percentage Interest
evidenced by the within Mortgage Pass-Through Certificate
and hereby authorizes the transfer of registration of
such interest to assignee on the Certificate Register of
the Trust Fund.
I (We) further direct the Certificate Registrar
to issue a new Certificate of a like denomination and
Class, to the above named assignee and deliver such
Certificate to the following address:
Dated:
Signature by or on behalf of assignor
Signature Guaranteed
DISTRIBUTION INSTRUCTIONS
The assignee should include the following for
purposes of distribution:
Distributions shall be made, by wire transfer
or otherwise, in immediately available funds to
for the account of
account number , or,
if mailed by check, to
Applicable statements
should be mailed to
.
This information is provided by
, the assignee named above, or
, as its agent.
EXHIBIT C
FORM OF CLASS B CERTIFICATE
THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO
THE CLASS A CERTIFICATES, CLASS R-I CERTIFICATES, CLASS
R-II CERTIFICATES AND CLASS M CERTIFICATES AS DESCRIBED
IN THE AGREEMENT (AS DEFINED HEREIN).
THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED
UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR THE
SECURITIES LAWS OF ANY STATE AND MAY NOT BE RESOLD OR
TRANSFERRED UNLESS IT IS REGISTERED PURSUANT TO SUCH ACT
AND LAWS OR IS SOLD OR TRANSFERRED IN TRANSACTIONS WHICH
ARE EXEMPT FROM REGISTRATION UNDER SUCH ACT AND UNDER
APPLICABLE STATE LAW AND IS TRANSFERRED IN ACCORDANCE
WITH THE PROVISIONS OF SECTION 5.02 OF THE AGREEMENT.
NO TRANSFER OF THIS CERTIFICATE MAY BE MADE TO AN
EMPLOYEE BENEFIT OR OTHER PLAN SUBJECT TO THE PROHIBITED
TRANSACTION PROVISIONS OF THE EMPLOYEE RETIREMENT INCOME
SECURITY ACT OF 1974, AS AMENDED ("ERISA"), OR SECTION
4975 OF THE INTERNAL REVENUE CODE OF 1986 (THE "CODE"),
OR TO ANY PERSON WHO IS USING "PLAN ASSETS" OF ANY SUCH
PLAN TO ACQUIRE THIS CERTIFICATE, UNLESS THE TRANSFEREE
PROVIDES AN OPINION OF COUNSEL OR CERTIFICATION PURSUANT
TO SECTION 5.02(f) OF THE AGREEMENT SATISFACTORY TO THE
MASTER SERVICER, THE COMPANY AND THE TRUSTEE THAT THE
PURCHASE OF THIS CERTIFICATE BY, ON BEHALF OF, OR WITH
"PLAN ASSETS" OF SUCH PLAN IS PERMISSIBLE UNDER
APPLICABLE LAW, WILL NOT CONSTITUTE OR RESULT IN A
NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF
ERISA OR SECTION 4975 OF THE CODE AND WILL NOT SUBJECT
THE MASTER SERVICER, THE COMPANY OR THE TRUSTEE TO ANY
OBLIGATION OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN
IN THE AGREEMENT.
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS
CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE
MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED,
RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE CODE. THE
FOLLOWING INFORMATION IS PROVIDED SOLELY FOR THE PURPOSES
OF APPLYING THE U.S. FEDERAL INCOME TAX ORIGINAL ISSUE
DISCOUNT ("OID") RULES TO THIS CERTIFICATE. THE ISSUE
DATE OF THIS CERTIFICATE IS MARCH 28, 1996. ASSUMING
THAT THE MORTGAGE LOANS PREPAY AT 265% OF THE STANDARD
PREPAYMENT ASSUMPTION (AS DESCRIBED IN THE PROSPECTUS
SUPPLEMENT), THIS CERTIFICATE HAS BEEN ISSUED WITH NO
MORE THAN $___ OF OID PER $1,000 OF INITIAL CERTIFICATE
PRINCIPAL BALANCE, THE YIELD TO MATURITY IS ____% AND THE
AMOUNT OF OID ATTRIBUTABLE TO THE INITIAL ACCRUAL PERIOD
IS NO MORE THAN $____ PER $1,000 OF INITIAL CERTIFICATE
PRINCIPAL BALANCE, COMPUTED UNDER THE APPROXIMATE METHOD.
NO REPRESENTATION IS MADE THAT THE MORTGAGE LOANS WILL
PREPAY AT A RATE BASED ON THE STANDARD PREPAYMENT
ASSUMPTION OR AT ANY OTHER RATE.
Certificate No. __ 7.000 %
Pass-Through Rate
Class B-__ Subordinate Aggregate
Certificate
Principal Balance
of the Class B-__
Certificates as of
Date of Pooling and Servicing the Cut-off Date:
Agreement and Cut-off Date: $_______________
March 1, 1996
Initial Certificate
Principal Balance
of this
Certificate:
First Distribution Date: $_______________
April 25, 1996
Master Servicer:
Residential Funding Corporation
Assumed Final Distribution Date:
March 25, 2026
MORTGAGE PASS-THROUGH CERTIFICATE,
SERIES 1996-S6
evidencing a percentage interest in any
distributions allocable to the Class B-__
Certificates with respect to the Trust Fund
consisting primarily of a pool of conventional
one- to four-family fixed interest rate first
mortgage loans formed and sold by RESIDENTIAL
FUNDING MORTGAGE SECURITIES I, INC.
This Certificate is payable solely from the
assets of the Trust Fund, and does not represent an
obligation of or interest in Residential Funding Mortgage
Securities I, Inc., the Master Servicer, the Trustee
referred to below or GMAC Mortgage Corporation or any of
their affiliates. Neither this Certificate nor the
underlying Mortgage Loans are guaranteed or insured by
any governmental agency or instrumentality or by
Residential Funding Mortgage Securities I, Inc., the
Master Servicer, the Trustee or GMAC Mortgage Corporation
or any of their affiliates. None of the Company, the
Master Servicer, GMAC Mortgage Corporation or any of
their affiliates will have any obligation with respect to
any certificate or other obligation secured by or payable
from payments on the Certificates.
This certifies that Residential Funding
Mortgage Securities I, Inc. is the registered owner of
the Percentage Interest evidenced by this Certificate
(obtained by dividing the Certificate Principal Balance
of this Certificate by the aggregate Certificate
Principal Balance of all Class B-__ Certificates, both as
specified above) in certain distributions with respect to
a Trust Fund consisting primarily of a pool of
conventional one- to four-family fixed interest rate
first mortgage loans (the "Mortgage Loans"), formed and
sold by Residential Funding Mortgage Securities I, Inc.
(hereinafter called the "Company," which term includes
any successor entity under the Agreement referred to
below). The Trust Fund was created pursuant to a Pooling
and Servicing Agreement dated as specified above (the
"Agreement") among the Company, the Master Servicer and
The First National Bank of Chicago, as trustee (the
"Trustee"), a summary of certain of the pertinent
provisions of which is set forth hereafter. To the
extent not defined herein, the capitalized terms used
herein have the meanings assigned in the Agreement. This
Certificate is issued under and is subject to the terms,
provisions and conditions of the Agreement, to which
Agreement the Holder of this Certificate by virtue of the
acceptance hereof assents and by which such Holder is
bound.
Pursuant to the terms of the Agreement, a
distribution will be made on the 25th day of each month
or, if such 25th day is not a Business Day, the Business
Day immediately following (the "Distribution Date"),
commencing on the first Distribution Date specified
above, to the Person in whose name this Certificate is
registered at the close of business on the last day (or
if such last day is not a Business Day, the Business Day
immediately preceding such last day) of the month next
preceding the month of such distribution (the "Record
Date"), from the Available Distribution Amount in an
amount equal to the product of the Percentage Interest
evidenced by this Certificate and the amount (of interest
and principal, if any) required to be distributed to
Holders of Class B Certificates on such Distribution
Date.
Distributions on this Certificate will be made
either by the Master Servicer acting on behalf of the
Trustee or by a Paying Agent appointed by the Trustee in
immediately available funds (by wire transfer or
otherwise) for the account of the Person entitled thereto
if such Person shall have so notified the Master Servicer
or such Paying Agent, or by check mailed to the address
of the Person entitled thereto, as such name and address
shall appear on the Certificate Register.
Notwithstanding the above, the final
distribution on this Certificate will be made after due
notice of the pendency of such distribution and only upon
presentation and surrender of this Certificate at the
office or agency appointed by the Trustee for that
purpose in the City and State of New York. The Initial
Certificate Principal Balance of this Certificate is set
forth above. The Certificate Principal Balance hereof
will be reduced to the extent of the distributions
allocable to principal and any Realized Losses allocable
hereto.
No transfer of this Class B Certificate will be
made unless such transfer is exempt from the registration
requirements of the Securities Act of 1933, as amended,
and any applicable state securities laws or is made in
accordance with said Act and laws. In the event that
such a transfer is to be made, (i) the Trustee or the
Company may require an opinion of counsel acceptable to
and in form and substance satisfactory to the Trustee and
the Company that such transfer is exempt (describing the
applicable exemption and the basis therefor) from or is
being made pursuant to the registration requirements of
the Securities Act of 1933, as amended, and of any
applicable statute of any state and (ii) the transferee
shall execute an investment letter in the form described
by the Agreement. The Holder hereof desiring to effect
such transfer shall, and does hereby agree to, indemnify
the Trustee, the Company, the Master Servicer and the
Certificate Registrar acting on behalf of the Trustee
against any liability that may result if the transfer is
not so exempt or is not made in accordance with such
Federal and state laws. In connection with any such
transfer, the Trustee will also require (i) a
representation letter, in the form as described by the
Agreement, stating that the transferee is not an employee
benefit or other plan subject to the prohibited
transaction provisions of the Employee Retirement Income
Security Act of 1974, as amended ("ERISA") or Section
4975 of the Internal Revenue Code (the "Code"), an
investment manager, a named fiduciary or any other person
using "plan assets" of any such plan to effect such
acquisition (a "Plan Investor") or (ii) if such
transferee is a Plan Investor, an opinion of counsel
acceptable to and in form and substance satisfactory to
the Trustee, the Company and the Master Servicer with
respect to the permissibility of such transfer under
ERISA and Section 4975 of the Code and stating, among
other things, that the transferee's acquisition of a
Class B Certificate will not constitute or result in a
non-exempt prohibited transaction under Section 406 of
ERISA or Section 4975 of the Code.
This Certificate is one of a duly authorized
issue of Certificates issued in several Classes
designated as Mortgage Pass-Through Certificates of the
Series specified hereon (herein collectively called the
"Certificates").
The Certificates are limited in right of
payment to certain collections and recoveries respecting
the Mortgage Loans, all as more specifically set forth
herein and in the Agreement. In the event Master
Servicer funds are advanced with respect to any Mortgage
Loan, such advance is reimbursable to the Master
Servicer, to the extent provided in the Agreement, from
related recoveries on such Mortgage Loan or from other
cash that would have been distributable to
Certificateholders.
As provided in the Agreement, withdrawals from
the Custodial Account and/or the Certificate Account
created for the benefit of Certificateholders may be made
by the Master Servicer from time to time for purposes
other than distributions to Certificateholders, such
purposes including without limitation reimbursement to
the Company and the Master Servicer of advances made, or
certain expenses incurred, by either of them.
The Agreement permits, with certain exceptions
therein provided, the amendment of the Agreement and the
modification of the rights and obligations of the
Company, the Master Servicer and the Trustee and the
rights of the Certificateholders under the Agreement at
any time by the Company, the Master Servicer and the
Trustee with the consent of the Holders of Certificates
evidencing in the aggregate not less than 66% of the
Percentage Interests of each Class of Certificates
affected thereby. Any such consent by the Holder of this
Certificate shall be conclusive and binding on such
Holder and upon all future holders of this Certificate
and of any Certificate issued upon the transfer hereof or
in exchange herefor or in lieu hereof whether or not
notation of such consent is made upon the Certificate.
The Agreement also permits the amendment thereof in
certain circumstances without the consent of the Holders
of any of the Certificates and, in certain additional
circumstances, without the consent of the Holders of
certain Classes of Certificates.
As provided in the Agreement and subject to
certain limitations therein set forth, the transfer of
this Certificate is registrable in the Certificate
Register upon surrender of this Certificate for
registration of transfer at the offices or agencies
appointed by the Trustee in the City and State of New
York, duly endorsed by, or accompanied by an assignment
in the form below or other written instrument of transfer
in form satisfactory to the Trustee and the Certificate
Registrar duly executed by the Holder hereof or such
Holder's attorney duly authorized in writing, and
thereupon one or more new Certificates of authorized
denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated
transferee or transferees.
The Certificates are issuable only as
registered Certificates without coupons in Classes and in
denominations specified in the Agreement. As provided in
the Agreement and subject to certain limitations therein
set forth, Certificates are exchangeable for new
Certificates of authorized denominations evidencing the
same Class and aggregate Percentage Interest, as
requested by the Holder surrendering the same.
No service charge will be made for any such
registration of transfer or exchange, but the Trustee may
require payment of a sum sufficient to cover any tax or
other governmental charge payable in connection
therewith.
The Company, the Master Servicer, the Trustee
and the Certificate Registrar and any agent of the
Company, the Master Servicer, the Trustee or the
Certificate Registrar may treat the Person in whose name
this Certificate is registered as the owner hereof for
all purposes, and neither the Company, the Master
Servicer, the Trustee nor any such agent shall be
affected by notice to the contrary.
This Certificate shall be governed by and
construed in accordance with the laws of the State of New
York.
The obligations created by the Agreement in
respect of the Certificates and the Trust Fund created
thereby shall terminate upon the payment to
Certificateholders of all amounts held by or on behalf of
the Trustee and required to be paid to them pursuant to
the Agreement following the earlier of (i) the maturity
or other liquidation of the last Mortgage Loan subject
thereto or the disposition of all property acquired upon
foreclosure or deed in lieu of foreclosure of any
Mortgage Loan and (ii) the purchase by the Master
Servicer or the Company from the Trust Fund of all
remaining Mortgage Loans and all property acquired in
respect of such Mortgage Loans, thereby effecting early
retirement of the Certificates. The Agreement permits,
but does not require, the Master Servicer or the Company
to (i) purchase at a price determined as provided in the
Agreement all remaining Mortgage Loans and all property
acquired in respect of any Mortgage Loan or (ii) purchase
in whole, but not in part, all of the Certificates from
the Holders thereof; provided, that any such option may
only be exercised if the Pool Stated Principal Balance of
the Mortgage Loans as of the Distribution Date upon which
the proceeds of any such purchase are distributed is less
than ten percent of the Cut-off Date Principal Balance of
the Mortgage Loans.
Unless the certificate of authentication hereon
has been executed by the Certificate Registrar, by manual
signature, this Certificate shall not be entitled to any
benefit under the Agreement or be valid for any purpose.
IN WITNESS WHEREOF, the Trustee has caused this
Certificate to be duly executed.
Dated: THE FIRST NATIONAL BANK
OF CHICAGO,
as Trustee
By:
Authorized Signatory
CERTIFICATE OF AUTHENTICATION
This is one of the Class M-__ Certificates
referred to in the within-mentioned Agreement.
THE FIRST NATIONAL BANK
OF CHICAGO,
as Certificate Registrar
By:
Authorized Signatory
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby
sell(s), assign(s) and transfer(s) unto
(Please print or typewrite name and address including
postal zip code of assignee) a Percentage Interest
evidenced by the within Mortgage Pass-Through Certificate
and hereby authorizes the transfer of registration of
such interest to assignee on the Certificate Register of
the Trust Fund.
I (We) further direct the Certificate Registrar
to issue a new Certificate of a like denomination and
Class, to the above named assignee and deliver such
Certificate to the following address:
Dated:
Signature by or on behalf of assignor
Signature Guaranteed
DISTRIBUTION INSTRUCTIONS
The assignee should include the following for
purposes of distribution:
Distributions shall be made, by wire transfer
or otherwise, in immediately available funds to
for the account of
account number , or,
if mailed by check, to
Applicable statements
should be mailed to
.
This information is provided by
, the assignee named above, or
, as its agent.
EXHIBIT D
FORM OF CLASS R CERTIFICATE
THIS CERTIFICATE MAY NOT BE HELD BY OR TRANSFERRED TO A
NON-UNITED STATES PERSON OR A DISQUALIFIED ORGANIZATION
(AS DEFINED BELOW).
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS
CERTIFICATE IS A "RESIDUAL INTEREST" IN A "REAL ESTATE
MORTGAGE INVESTMENT CONDUIT" AS THOSE TERMS ARE DEFINED,
RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL
REVENUE CODE OF 1986 (THE "CODE").
NO TRANSFER OF THIS CERTIFICATE MAY BE MADE TO AN
EMPLOYEE BENEFIT PLAN SUBJECT TO THE PROHIBITED
TRANSACTION PROVISIONS OF THE EMPLOYEE RETIREMENT INCOME
SECURITY ACT OF 1974, AS AMENDED, ("ERISA"), OR SECTION
4975 OF THE CODE, OR TO ANY PERSON WHO IS USING "PLAN
ASSETS" OF ANY SUCH PLAN TO ACQUIRE THIS CERTIFICATE,
UNLESS THE TRANSFEREE PROVIDES AN OPINION OF COUNSEL
SATISFACTORY TO THE MASTER SERVICER, THE COMPANY AND THE
TRUSTEE THAT THE PURCHASE OF THIS CERTIFICATE BY, ON
BEHALF OF, OR WITH "PLAN ASSETS" OF SUCH PLAN IS
PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT CONSTITUTE OR
RESULT IN A NON-EXEMPT PROHIBITED TRANSACTION UNDER
SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE AND WILL
NOT SUBJECT THE MASTER SERVICER, THE COMPANY OR THE
TRUSTEE TO ANY OBLIGATION OR LIABILITY IN ADDITION TO
THOSE UNDERTAKEN IN THE AGREEMENT.
ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS
CERTIFICATE MAY BE MADE ONLY IF THE PROPOSED TRANSFEREE
PROVIDES A TRANSFER AFFIDAVIT TO THE MASTER SERVICER AND
THE TRUSTEE THAT (1) SUCH TRANSFEREE IS NOT (A) THE
UNITED STATES, ANY STATE OR POLITICAL SUBDIVISION
THEREOF, ANY FOREIGN GOVERNMENT, ANY INTERNATIONAL
ORGANIZATION, OR ANY AGENCY OR INSTRUMENTALITY OF ANY OF
THE FOREGOING, (B) ANY ORGANIZATION (OTHER THAN A
COOPERATIVE DESCRIBED IN SECTION 521 OF THE CODE) WHICH
IS EXEMPT FROM THE TAX IMPOSED BY CHAPTER 1 OF THE CODE
UNLESS SUCH ORGANIZATION IS SUBJECT TO THE TAX IMPOSED BY
SECTION 511 OF THE CODE, (C) ANY ORGANIZATION DESCRIBED
IN SECTION 1381(a)(2)(C) OF THE CODE, (ANY SUCH PERSON
DESCRIBED IN THE FOREGOING CLAUSES (A), (B) OR (C) BEING
HEREIN REFERRED TO AS A "DISQUALIFIED ORGANIZATION") OR
(D) AN AGENT OF A DISQUALIFIED ORGANIZATION, (2) NO
PURPOSE OF SUCH TRANSFER IS TO IMPEDE THE ASSESSMENT OR
COLLECTION OF TAX AND (3) SUCH TRANSFEREE SATISFIES
CERTAIN ADDITIONAL CONDITIONS RELATING TO THE FINANCIAL
CONDITION OF THE PROPOSED TRANSFEREE. NOTWITHSTANDING
THE REGISTRATION IN THE CERTIFICATE REGISTER OR ANY
TRANSFER, SALE OR OTHER DISPOSITION OF THIS CERTIFICATE
TO A DISQUALIFIED ORGANIZATION OR AN AGENT OF A
DISQUALIFIED ORGANIZATION, SUCH REGISTRATION SHALL BE
DEEMED TO BE OF NO LEGAL FORCE OR EFFECT WHATSOEVER AND
SUCH PERSON SHALL NOT BE DEEMED TO BE A CERTIFICATEHOLDER
FOR ANY PURPOSE HEREUNDER, INCLUDING, BUT NOT LIMITED TO,
THE RECEIPT OF DISTRIBUTIONS ON THIS CERTIFICATE. EACH
HOLDER OF THIS CERTIFICATE BY ACCEPTANCE OF THIS
CERTIFICATE SHALL BE DEEMED TO HAVE CONSENTED TO THE
PROVISIONS OF THIS PARAGRAPH.
Certificate No. ___ 7.000% Pass-Through
Rate
Class [R-I][R-II] Senior Aggregate Initial
Certificate Principal
Balance of
the Class
[R-I][R-II]
Certificates:
Date of Pooling and Servicing $100.00
Agreement and Cut-off Date:
March 1, 1996 Initial Certificate
Principal Balance of
this Certificate:
First Distribution Date: $_______________
April 25, 1996
Percentage Interest:
Master Servicer: _______%
Residential Funding Corporation
CUSIP 760944-_____
Assumed Final Distribution Date:
March 25, 2026
MORTGAGE PASS-THROUGH CERTIFICATE,
SERIES 1996-S6
evidencing a percentage interest in any
distributions allocable to the Class
[R-I][R-II] Certificates with respect to REMIC
I. REMIC I is part of a Trust Fund consisting
primarily of a pool of conventional one- to
four-family fixed interest rate first mortgage
loans formed and sold by RESIDENTIAL FUNDING
MORTGAGE SECURITIES I, INC.
This Certificate is payable solely from the
assets of the Trust Fund, and does not represent an
obligation of or interest in Residential Funding Mortgage
Securities I, Inc., the Master Servicer, the Trustee
referred to below or GMAC Mortgage Corporation or any of
their affiliates. Neither this Certificate nor the
underlying Mortgage Loans are guaranteed or insured by
any governmental agency or instrumentality or by
Residential Funding Mortgage Securities I, Inc., the
Master Servicer, the Trustee or GMAC Mortgage Corporation
or any of their affiliates. None of the Company, the
Master Servicer, GMAC Mortgage Corporation or any of
their affiliates will have any obligation with respect to
any certificate or other obligation secured by or payable
from payments on the Certificates.
This certifies that _________________________
is the registered owner of the Percentage Interest
evidenced by this Certificate (obtained by dividing the
Initial Certificate Principal Balance of this Certificate
by the aggregate Initial Certificate Principal Balance of
all Class [R-I][R-II] Certificates, both as specified
above) in certain distributions with respect to REMIC I.
REMIC I is part of a Trust Fund consisting primarily of
a pool of conventional one- to four-family fixed interest
rate first mortgage loans (the "Mortgage Loans"), formed
and sold by Residential Funding Mortgage Securities I,
Inc. (hereinafter called the "Company," which term
includes any successor entity under the Agreement
referred to below). The Trust Fund and REMIC I were
created pursuant to a Pooling and Servicing Agreement
dated as specified above (the "Agreement") among the
Company, the Master Servicer and The First National Bank
of Chicago, as trustee (the "Trustee"), a summary of
certain of the pertinent provisions of which is set forth
hereafter. To the extent not defined herein, the
capitalized terms used herein have the meanings assigned
in the Agreement. This Certificate is issued under and
is subject to the terms, provisions and conditions of the
Agreement, to which Agreement the Holder of this
Certificate by virtue of the acceptance hereof assents
and by which such Holder is bound.
Pursuant to the terms of the Agreement, a
distribution will be made on the 25th day of each month
or, if such 25th day is not a Business Day, the Business
Day immediately following (the "Distribution Date"),
commencing as described in the Agreement, to the Person
in whose name this Certificate is registered at the close
of business on the last day (or if such last day is not
a Business Day, the Business Day immediately preceding
such last day) of the month immediately preceding the
month of such distribution (the "Record Date"), from the
Available Distribution Amount in an amount equal to the
product of the Percentage Interest evidenced by this
Certificate and the amount (of interest and principal, if
any) required to be distributed to Holders of Class
[R-I][R-II] Certificates on such Distribution Date.
Each Holder of this Certificate will be deemed
to have agreed to be bound by the restrictions set forth
in the Agreement to the effect that (i) each person
holding or acquiring any Ownership Interest in this
Certificate must be a United States Person and a
Permitted Transferee, (ii) the transfer of any Ownership
Interest in this Certificate will be conditioned upon the
delivery to the Trustee of, among other things, an
affidavit to the effect that it is a United States Person
and Permitted Transferee, (iii) any attempted or
purported transfer of any Ownership Interest in this
Certificate in violation of such restrictions will be
absolutely null and void and will vest no rights in the
purported transferee, and (iv) if any person other than
a United States Person and a Permitted Transferee
acquires any Ownership Interest in this Certificate in
violation of such restrictions, then the Company will
have the right, in its sole discretion and without notice
to the Holder of this Certificate, to sell this
Certificate to a purchaser selected by the Company, which
purchaser may be the Company, or any affiliate of the
Company, on such terms and conditions as the Company may
choose.
Notwithstanding the above, the final
distribution on this Certificate will be made after due
notice of the pendency of such distribution and only upon
presentation and surrender of this Certificate at the
office or agency appointed by the Trustee for that
purpose in the City and State of New York. The Initial
Certificate Principal Balance of this Certificate is set
forth above. The Certificate Principal Balance hereof
will be reduced to the extent of distributions allocable
to principal and any Realized Losses allocable hereto.
Notwithstanding the reduction of the Certificate
Principal Balance hereof to zero, this Certificate will
remain outstanding under the Agreement and the Holder
hereof may have additional obligations with respect to
this Certificate, including tax liabilities, and may be
entitled to certain additional distributions hereon, in
accordance with the terms and provisions of the
Agreement.
This Certificate is one of a duly authorized
issue of Certificates issued in several Classes
designated as Mortgage Pass-Through Certificates of the
Series specified hereon (herein collectively called the
"Certificates").
The Certificates are limited in right of
payment to certain collections and recoveries respecting
the Mortgage Loans, all as more specifically set forth
herein and in the Agreement. In the event Master
Servicer funds are advanced with respect to any Mortgage
Loan, such advance is reimbursable to the Master
Servicer, to the extent provided in the Agreement, from
related recoveries on such Mortgage Loan or from other
cash that would have been distributable to
Certificateholders.
As provided in the Agreement, withdrawals from
the Custodial Account and/or the Certificate Account
created for the benefit of Certificateholders may be made
by the Master Servicer from time to time for purposes
other than distributions to Certificateholders, such
purposes including without limitation reimbursement to
the Company and the Master Servicer of advances made, or
certain expenses incurred, by either of them.
The Agreement permits, with certain exceptions
therein provided, the amendment of the Agreement and the
modification of the rights and obligations of the
Company, the Master Servicer and the Trustee and the
rights of the Certificateholders under the Agreement at
any time by the Company, the Master Servicer and the
Trustee with the consent of the Holders of Certificates
evidencing in the aggregate not less than 66% of the
Percentage Interests of each Class of Certificates
affected thereby. Any such consent by the Holder of this
Certificate shall be conclusive and binding on such
Holder and upon all future holders of this Certificate
and of any Certificate issued upon the transfer hereof or
in exchange herefor or in lieu hereof whether or not
notation of such consent is made upon the Certificate.
The Agreement also permits the amendment thereof in
certain circumstances without the consent of the Holders
of any of the Certificates and, in certain additional
circumstances, without the consent of the Holders of
certain Classes of Certificates.
As provided in the Agreement and subject to
certain limitations therein set forth, the transfer of
this Certificate is registrable in the Certificate
Register upon surrender of this Certificate for
registration of transfer at the offices or agencies
appointed by the Trustee in the City and State of New
York, duly endorsed by, or accompanied by an assignment
in the form below or other written instrument of transfer
in form satisfactory to the Trustee and the Certificate
Registrar duly executed by the Holder hereof or such
Holder's attorney duly authorized in writing, and
thereupon one or more new Certificates of authorized
denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated
transferee or transferees.
The Certificates are issuable only as
registered Certificates without coupons in Classes and in
denominations specified in the Agreement. As provided in
the Agreement and subject to certain limitations therein
set forth, Certificates are exchangeable for new
Certificates of authorized denominations evidencing the
same Class and aggregate Percentage Interest, as
requested by the Holder surrendering the same.
No service charge will be made for any such
registration of transfer or exchange, but the Trustee may
require payment of a sum sufficient to cover any tax or
other governmental charge payable in connection
therewith.
The Company, the Master Servicer, the Trustee
and the Certificate Registrar and any agent of the
Company, the Master Servicer, the Trustee or the
Certificate Registrar may treat the Person in whose name
this Certificate is registered as the owner hereof for
all purposes, and neither the Company, the Master
Servicer, the Trustee nor any such agent shall be
affected by notice to the contrary.
This Certificate shall be governed by and
construed in accordance with the laws of the State of New
York.
The obligations created by the Agreement in
respect of the Certificates and the Trust Fund created
thereby shall terminate upon the payment to
Certificateholders of all amounts held by or on behalf of
the Trustee and required to be paid to them pursuant to
the Agreement following the earlier of (i) the maturity
or other liquidation of the last Mortgage Loan subject
thereto or the disposition of all property acquired upon
foreclosure or deed in lieu of foreclosure of any
Mortgage Loan and (ii) the purchase by the Master
Servicer or the Company from the Trust Fund of all
remaining Mortgage Loans and all property acquired in
respect of such Mortgage Loans, thereby effecting early
retirement of the Certificates. The Agreement permits,
but does not require, the Master Servicer or the Company
to (i) purchase at a price determined as provided in the
Agreement all remaining Mortgage Loans and all property
acquired in respect of any Mortgage Loan or (ii) purchase
in whole, but not in part, all of the Certificates from
the Holders thereof; provided, that any such option may
only be exercised if the Pool Stated Principal Balance of
the Mortgage Loans as of the Distribution Date upon which
the proceeds of any such purchase are distributed is less
than ten percent of the Cut-off Date Principal Balance of
the Mortgage Loans.
Reference is hereby made to the further
provisions of this Certificate set forth on the reverse
hereof, which further provisions shall for all purpose
have the same effect as if set forth at this place.
Unless the certificate of authentication hereon
has been executed by the Certificate Registrar, by manual
signature, this Certificate shall not be entitled to any
benefit under the Agreement or be valid for any purpose.
IN WITNESS WHEREOF, the Trustee has caused this
Certificate to be duly executed.
Dated: THE FIRST NATIONAL BANK
OF CHICAGO
as Trustee
By:
Authorized Signatory
CERTIFICATE OF AUTHENTICATION
This is one of the Class [R-I][R-II]
Certificates referred to in the within-mentioned
Agreement.
THE FIRST NATIONAL BANK
OF CHICAGO,
as Certificate Registrar
By:
Authorized Signatory
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby
sell(s), assign(s) and transfer(s) unto
(Please print or typewrite name and address including
postal zip code of assignee) a Percentage Interest
evidenced by the within Mortgage Pass-Through Certificate
and hereby authorizes the transfer of registration of
such interest to assignee on the Certificate Register of
the Trust Fund.
I (We) further direct the Certificate Registrar
to issue a new Certificate of a like denomination and
Class, to the above named assignee and deliver such
Certificate to the following address:
Dated:
Signature by or on behalf of assignor
Signature Guaranteed
DISTRIBUTION INSTRUCTIONS
The assignee should include the following for
purposes of distribution:
Distributions shall be made, by wire transfer
or otherwise, in immediately available funds to
for the account of
account number , or,
if mailed by check, to
Applicable statements
should be mailed to
.
This information is provided by
, the assignee named above, or
, as its agent.
EXHIBIT E
CUSTODIAL AGREEMENT
THIS CUSTODIAL AGREEMENT (as amended and
supplemented from time to time, the "Agreement"), dated
as of March 1, 1996, by and among THE FIRST NATIONAL BANK
OF CHICAGO, as Trustee (including its successors under
the Pooling Agreement defined below, the "Trustee"),
RESIDENTIAL FUNDING MORTGAGE SECURITIES I, INC. (together
with any successor in interest, the "Company"),
RESIDENTIAL FUNDING CORPORATION, as master servicer
(together with any successor in interest or successor
under the Pooling Agreement referred to below, the
"Master Servicer"), and NORWEST BANK MINNESOTA, NATIONAL
ASSOCIATION (together with any successor in interest or
any successor appointed hereunder, the "Custodian").
W I T N E S S E T H T H A T :
WHEREAS, the Company, the Master Servicer, and
the Trustee have entered into a Pooling and Servicing
Agreement dated as of March 1, 1996, relating to the
issuance of Residential Funding Mortgage Securities I,
Inc., Mortgage Pass-Through Certificates, Series 1996-S6
(as in effect on the date of this agreement, the
"Original Pooling Agreement," and as amended and
supplemented from time to time, the "Pooling Agreement");
and
WHEREAS, the Custodian has agreed to act as
agent for the Trustee for the purposes of receiving and
holding certain documents and other instruments delivered
by the Company and the Master Servicer under the Pooling
Agreement, all upon the terms and conditions and subject
to the limitations hereinafter set forth;
NOW, THEREFORE, in consideration of the
premises and the mutual covenants and agreements
hereinafter set forth, the Trustee, the Company, the
Master Servicer and the Custodian hereby agree as
follows:
ARTICLE I
Definitions
Capitalized terms used in this Agreement and
not defined herein shall have the meanings assigned in
the Original Pooling Agreement, unless otherwise required
by the context herein.
ARTICLE II
Custody of Mortgage Documents
Section 2.1. Custodian to Act as Agent;
Acceptance of Mortgage Files. The Custodian, as the duly
appointed agent of the Trustee for these purposes,
acknowledges receipt of the Mortgage Files relating to
the Mortgage Loans identified on the schedule attached
hereto (the "Mortgage Files") and declares that it holds
and will hold the Mortgage Files as agent for the
Trustee, in trust, for the use and benefit of all present
and future Certificateholders.
Section 2.2. Recordation of Assignments. If
any Mortgage File includes one or more assignments to the
Trustee of Mortgage Notes and related Mortgages that have
not been recorded, each such assignment shall be
delivered by the Custodian to the Company for the purpose
of recording it in the appropriate public office for real
property records, and the Company, at no expense to the
Custodian, shall promptly cause to be recorded in the
appropriate public office for real property records each
such assignment and, upon receipt thereof from such
public office, shall return each such assignment to the
Custodian.
Section 2.3. Review of Mortgage Files.
(a) On or prior to the Closing Date, the
Custodian shall deliver to the Trustee an Initial
Certification in the form annexed hereto as Exhibit One
evidencing receipt of a Mortgage File for each Mortgage
Loan listed on the Schedule attached hereto (the
"Mortgage Loan Schedule").
(b) Within 45 days of the initial issuance of
the Certificates, the Custodian agrees, for the benefit
of Certificateholders, to review, in accordance with the
provisions of Section 2.02 of the Pooling Agreement, each
Mortgage File, and shall deliver to the Trustee an
Interim Certification in the form annexed hereto as
Exhibit Two to the effect that all documents required to
be delivered pursuant to Section 2.01(b) of the Pooling
Agreement have been executed and received and that such
documents relate to the Mortgage Loans identified on the
Mortgage Loan Schedule, except for any exceptions listed
on Schedule A attached to such Interim Certification.
Within 45 days of receipt of the documents required to be
delivered pursuant to Section 2.01(c) of the Pooling
Agreement, the Custodian agrees, for the benefit of
Certificateholders, to review, in accordance with the
provisions of Section 2.02 of the Pooling Agreement, each
such document, and shall deliver to the Trustee either
(i) an Interim Certification in the form attached hereto
as Exhibit Two to the effect that all such documents
relate to the Mortgage Loans identified on the Mortgage
Loan Schedule, except for any exceptions listed on
Schedule A attached to such Interim Certification or (ii)
a Final Certification as set forth in subsection (c)
below. The Custodian shall be under no duty or
obligation to inspect, review or examine said documents,
instruments, certificates or other papers to determine
that the same are genuine, enforceable, or appropriate
for the represented purpose or that they have actually
been recorded or that they are other than what they
purport to be on their face. If in performing the review
required by this Section 2.3 the Custodian finds any
document or documents constituting a part of a Mortgage
File to be defective in any material respect, the
Custodian shall promptly so notify the Company, the
Master Servicer and the Trustee. Upon receipt of written
notification from the Master Servicer, signed by a
Servicing Officer, that the Master Servicer or a
Subservicer, as the case may be, has made a deposit into
the Certificate Account in payment for the purchase of
the related Mortgage Loan in an amount equal to the
Purchase Price for such Mortgage Loan, the Custodian
shall release to the Master Servicer the related Mortgage
File.
(c) Upon receipt of all documents required to
be in the Mortgage Files the Custodian shall deliver to
the Trustee a Final Certification in the form annexed
hereto as Exhibit Three evidencing the completeness of
the Mortgage Files.
Upon receipt of written request from the
Trustee, the Custodian shall as soon as practicable
supply the Trustee with a list of all of the documents
relating to the Mortgage Loans then contained in the
Mortgage Files.
Section 2.4. Notification of Breaches of
Representations and Warranties. Upon discovery by the
Custodian of a breach of any representation or warranty
made by the Master Servicer or the Company as set forth
in the Pooling Agreement or by a Seller in a Seller's
Agreement or by Residential Funding or the Company in the
Assignment Agreement with respect to a Mortgage Loan
relating to a Mortgage File, the Custodian shall give
prompt written notice to the Company, the Master Servicer
and the Trustee.
Section 2.5. Custodian to Cooperate; Release
of Mortgage Files. Upon the repurchase or substitution
of any Mortgage Loan pursuant to Article II of the
Pooling Agreement or payment in full of any Mortgage
Loan, or the receipt by the Master Servicer of a
notification that payment in full will be escrowed in a
manner customary for such purposes, the Master Servicer
shall immediately notify the Custodian by a certification
(which certification shall include a statement to the
effect that all amounts received or to be received in
connection with such payment which are required to be
deposited in the Custodial Account pursuant to Section
3.07 of the Pooling Agreement have been or will be so
deposited) of a Servicing Officer and shall request
delivery to it of the Mortgage File. The Custodian
agrees, upon receipt of such certification and request,
promptly to release to the Master Servicer the related
Mortgage File. The Master Servicer shall deliver to the
Custodian and the Custodian agrees to accept the Mortgage
Note and other documents constituting the Mortgage File
with respect to any Qualified Substitute Mortgage Loan.
From time to time as is appropriate for the
servicing or foreclosures of any Mortgage Loan,
including, for this purpose, collection under any Primary
Insurance Policy or any Mortgage Pool Insurance Policy,
the Master Servicer shall deliver to the Custodian a
certificate of a Servicing Officer requesting that
possession of all, or any document constituting part, of
the Mortgage File be released to the Master Servicer and
certifying as to the reason for such release and that
such release will not invalidate any insurance coverage
provided in respect of the Mortgage Loan under any of the
Required Insurance Policies. With such certificate, the
Master Servicer shall deliver to the Custodian a trust
receipt signed by a Servicing Officer on behalf of the
Master Servicer, and upon receipt of the foregoing, the
Custodian shall deliver the Mortgage File or such
document to the Master Servicer. The Master Servicer
shall cause each Mortgage File or any document therein so
released to be returned to the Custodian when the need
therefor by the Master Servicer no longer exists, unless
(i) the Mortgage Loan has been liquidated and the
Liquidation Proceeds relating to the Mortgage Loan have
been deposited in the Custodial Account or (ii) the
Mortgage File or such document has been delivered to an
attorney, or to a public trustee or other public official
as required by law, for purposes of initiating or
pursuing legal action or other proceedings for the
foreclosure of the Mortgaged Property either judicially
or non-judicially, and the Master Servicer has delivered
to the Custodian a certificate of a Servicing Officer
certifying as to the name and address of the Person to
which such Mortgage File or such document was delivered
and the purpose or purposes of such delivery. In the
event of the liquidation of a Mortgage Loan, the
Custodian shall deliver the Trust Receipt with respect
thereto to the Master Servicer upon deposit of the
related Liquidation Proceeds in the Custodial Account as
provided in the Pooling Agreement.
Section 2.6. Assumption Agreements. In the
event that any assumption agreement or substitution of
liability agreement is entered into with respect to any
Mortgage Loan subject to this Agreement in accordance
with the terms and provisions of the Pooling Agreement,
the Master Servicer shall notify the Custodian that such
assumption or substitution agreement has been completed
by forwarding to the Custodian the original of such
assumption or substitution agreement, which shall be
added to the related Mortgage File and, for all purposes,
shall be considered a part of such Mortgage File to the
same extent as all other documents and instruments
constituting parts thereof.
ARTICLE III
Concerning the Custodian
Section 3.1. Custodian a Bailee and Agent of
the Trustee. With respect to each Mortgage Note,
Mortgage and other documents constituting each Mortgage
File which are delivered to the Custodian, the Custodian
is exclusively the bailee and agent of the Trustee and
has no instructions to hold any Mortgage Note or Mortgage
for the benefit of any person other than the Trustee,
holds such documents for the benefit of
Certificateholders and undertakes to perform such duties
and only such duties as are specifically set forth in
this Agreement. Except upon compliance with the
provisions of Section 2.5 of this Agreement, no Mortgage
Note, Mortgage or other document constituting a part of
a Mortgage File shall be delivered by the Custodian to
the Company or the Master Servicer or otherwise released
from the possession of the Custodian.
Section 3.2. Indemnification. The Company
hereby agrees to indemnify and hold the Custodian
harmless from and against all claims, liabilities,
losses, actions, suits or proceedings at law or in
equity, or any other expenses, fees or charges of any
character or nature, which the Custodian may incur or
with which the Custodian may be threatened by reason of
its acting as custodian under this Agreement, including
indemnification of the Custodian against any and all
expenses, including attorney's fees if counsel for the
Custodian has been approved by the Company, and the cost
of defending any action, suit or proceedings or resisting
any claim. Notwithstanding the foregoing, it is
specifically understood and agreed that in the event any
such claim, liability, loss, action, suit or proceeding
or other expense, fee or charge shall have been caused by
reason of any negligent act, negligent failure to act or
willful misconduct on the part of the Custodian, or which
shall constitute a willful breach of its duties
hereunder, the indemnification provisions of this
Agreement shall not apply.
Section 3.3. Custodian May Own Certificates.
The Custodian in its individual or any other capacity may
become the owner or pledgee of Certificates with the same
rights it would have if it were not Custodian.
Section 3.4. Master Servicer to Pay
Custodian's Fees and Expenses. The Master Servicer
covenants and agrees to pay to the Custodian from time to
time, and the Custodian shall be entitled to, reasonable
compensation for all services rendered by it in the
exercise and performance of any of the powers and duties
hereunder of the Custodian, and the Master Servicer will
pay or reimburse the Custodian upon its request for all
reasonable expenses, disbursements and advances incurred
or made by the Custodian in accordance with any of the
provisions of this Agreement (including the reasonable
compensation and the expenses and disbursements of its
counsel and of all persons not regularly in its employ),
except any such expense, disbursement or advance as may
arise from its negligence or bad faith.
Section 3.5. Custodian May Resign; Trustee May
Remove Custodian. The Custodian may resign from the
obligations and duties hereby imposed upon it as such
obligations and duties relate to its acting as Custodian
of the Mortgage Loans. Upon receiving such notice of
resignation, the Trustee shall either take custody of the
Mortgage Files itself and give prompt notice thereof to
the Company, the Master Servicer and the Custodian, or
promptly appoint a successor Custodian by written
instrument, in duplicate, one copy of which instrument
shall be delivered to the resigning Custodian and one
copy to the successor Custodian. If the Trustee shall
not have taken custody of the Mortgage Files and no
successor Custodian shall have been so appointed and have
accepted appointment within 30 days after the giving of
such notice of resignation, the resigning Custodian may
petition any court of competent jurisdiction for the
appointment of a successor Custodian.
The Trustee may remove the Custodian at any
time. In such event, the Trustee shall appoint, or
petition a court of competent jurisdiction to appoint, a
successor Custodian hereunder. Any successor Custodian
shall be a depository institution subject to supervision
or examination by federal or state authority and shall be
able to satisfy the other requirements contained in
Section 3.7 and shall be unaffiliated with the Master
Servicer or the Company.
Any resignation or removal of the Custodian and
appointment of a successor Custodian pursuant to any of
the provisions of this Section 3.5 shall become effective
upon acceptance of appointment by the successor
Custodian. The Trustee shall give prompt notice to the
Company and the Master Servicer of the appointment of any
successor Custodian. No successor Custodian shall be
appointed by the Trustee without the prior approval of
the Company and the Master Servicer.
Section 3.6. Merger or Consolidation of
Custodian. Any Person into which the Custodian may be
merged or converted or with which it may be consolidated,
or any Person resulting from any merger, conversion or
consolidation to which the Custodian shall be a party, or
any Person succeeding to the business of the Custodian,
shall be the successor of the Custodian hereunder,
without the execution or filing of any paper or any
further act on the part of any of the parties hereto,
anything herein to the contrary notwithstanding.
Section 3.7. Representations of the Custodian.
The Custodian hereby represents that it is a depository
institution subject to supervision or examination by a
federal or state authority, has a combined capital and
surplus of at least $10,000,000 and is qualified to do
business in the jurisdictions in which it will hold any
Mortgage File.
ARTICLE IV
Miscellaneous Provisions
Section 4.1. Notices. All notices, requests,
consents and demands and other communications required
under this Agreement or pursuant to any other instrument
or document delivered hereunder shall be in writing and,
unless otherwise specifically provided, may be delivered
personally, by telegram or telex, or by registered or
certified mail, postage prepaid, return receipt
requested, at the addresses specified on the signature
page hereof (unless changed by the particular party whose
address is stated herein by similar notice in writing),
in which case the notice will be deemed delivered when
received.
Section 4.2. Amendments. No modification or
amendment of or supplement to this Agreement shall be
valid or effective unless the same is in writing and
signed by all parties hereto, and neither the Company,
the Master Servicer nor the Trustee shall enter into any
amendment hereof except as permitted by the Pooling
Agreement. The Trustee shall give prompt notice to the
Custodian of any amendment or supplement to the Pooling
Agreement and furnish the Custodian with written copies
thereof.
Section 4.3. Governing Law. This Agreement
shall be deemed a contract made under the laws of the
State of New York and shall be construed and enforced in
accordance with and governed by the laws of the State of
New York.
Section 4.4. Recordation of Agreement. To the
extent permitted by applicable law, this Agreement is
subject to recordation in all appropriate public offices
for real property records in all the counties or other
comparable jurisdictions in which any or all of the
properties subject to the Mortgages are situated, and in
any other appropriate public recording office or
elsewhere, such recordation to be effected by the Master
Servicer and at its expense on direction by the Trustee
(pursuant to the request of holders of Certificates
evidencing undivided interests in the aggregate of not
less than 25% of the Trust Fund), but only upon direction
accompanied by an Opinion of Counsel reasonably
satisfactory to the Master Servicer to the effect that
the failure to effect such recordation is likely to
materially and adversely affect the interests of the
Certificateholders.
For the purpose of facilitating the recordation
of this Agreement as herein provided and for other
purposes, this Agreement may be executed simultaneously
in any number of counterparts, each of which counterparts
shall be deemed to be an original, and such counterparts
shall constitute but one and the same instrument.
Section 4.5. Severability of Provisions. If
any one or more of the covenants, agreements, provisions
or terms of this Agreement shall be for any reason
whatsoever held invalid, then such covenants, agreements,
provisions or terms shall be deemed severable from the
remaining covenants, agreements, provisions or terms of
this Agreement and shall in no way affect the validity or
enforceability of the other provisions of this Agreement
or of the Certificates or the rights of the holders
thereof.
IN WITNESS WHEREOF, this Agreement is executed
as of the date first above written.
Address: THE FIRST NATIONAL
BANK OF CHICAGO,
as Trustee
One North State Street
Chicago, Illinois 60602
Attention: Residential Funding Corporation
Series 1996-S6
By:
Name:
Title: Vice President
Address: RESIDENTIAL FUNDING
MORTGAGE
SECURITIES I, INC.
8400 Normandale Lake Boulevard
Minneapolis, Minnesota 55437
By:
Name:
Title: Vice President
Address: RESIDENTIAL FUNDING
CORPORATION, as Master
Servicer
8400 Normandale Lake Boulevard
Suite 700
Minneapolis, Minnesota 55437
By:
Name:
Title: Director
Address: NORWEST BANK
MINNESOTA,
NATIONAL ASSOCIATION
401 Second Avenue South
Minneapolis, Minnesota 55479
By:
Name: Kathleen Marshall
Title: Trust Officer
STATE OF NEW YORK )
) ss.:
COUNTY OF NEW YORK )
On the 28th day of March, 1996, before me, a
notary public in and for said State, personally
appeared _______________________, known to me to be a
Vice President of The First National Bank of Chicago, a
New York banking corporation that executed the within
instrument, and also known to me to be the person who
executed it on behalf of said corporation and
acknowledged to me that such corporation executed the
within instrument.
IN WITNESS WHEREOF, I have hereunto set my
hand and affixed my official seal the day and year in
this certificate first above written.
Notary Public
[SEAL]
STATE OF MINNESOTA )
) ss.:
COUNTY OF HENNEPIN )
On the 28th day of March, 1996, before me, a
notary public in and for said State, personally
appeared Kathleen Marshall, known to me to be a Trust
Officer of Norwest Bank Minnesota, National
Association, a national banking association that
executed the within instrument, and also known to me to
be the person who executed it on behalf of said
national banking association, and acknowledged to me
that such national banking association executed the
within instrument.
IN WITNESS WHEREOF, I have hereunto set my
hand and affixed my official seal the day and year in
this certificate first above written.
Notary Public
[SEAL]
STATE OF MINNESOTA )
) ss.:
COUNTY OF HENNEPIN )
On the 28th day of March, 1996, before me, a
notary public in and for said State, personally
appeared ________________, known to me to be a Vice
President of Residential Funding Mortgage Securities I,
Inc., one of the corporations that executed the within
instrument, and also known to me to be the person who
executed it on behalf of said corporation, and
acknowledged to me that such corporation executed the
within instrument.
IN WITNESS WHEREOF, I have hereunto set my
hand and affixed my official seal the day and year in
this certificate first above written.
Notary Public
[Notarial Seal]
STATE OF MINNESOTA )
) ss:
COUNTY OF HENNEPIN )
On the 28th day of March, 1996, before me, a
notary public in and for said State, personally
appeared ________________, known to me to be a Director
of Residential Funding Corporation, one of the
corporations that executed the within instrument, and
also known to me to be the person who executed it on
behalf of said corporation, and acknowledged to me
that such corporation executed the within instrument.
IN WITNESS WHEREOF, I have hereunto set my
hand and affixed my official seal the day and year in
this certificate first above written.
Notary Public
[Notarial Seal]
EXHIBIT ONE
FORM OF CUSTODIAN
INITIAL CERTIFICATION
March 28, 1996
The First National Bank of Chicago
One North State Street
Chicago, Illinois 60602
Attention: Residential Funding Corporation Series
1996-S6
Re: Custodial Agreement dated as of March 1,
1996, by and among The First National
Bank of Chicago, Residential Funding
Mortgage Securities I, Inc., Residential
Funding Corporation and Norwest Bank
Minnesota, National Association,
Mortgage Pass-Through Certificates,
Series 1996-S6
Ladies and Gentlemen:
In accordance with Section 2.3 of the
above-captioned Custodial Agreement, and subject to
Section 2.02 of the Pooling Agreement, the undersigned,
as Custodian, hereby certifies that it has received a
Mortgage File (which contains an original Mortgage
Note) to the extent required in Section 2.01(b) of the
Pooling Agreement with respect to each Mortgage Loan
listed in the Mortgage Loan Schedule.
Capitalized words and phrases used herein
shall have the respective meanings assigned to them in
the above-captioned Custodial Agreement.
NORWEST BANK
MINNESOTA, NATIONAL
ASSOCIATION
By:
Name:
Title:
EXHIBIT TWO
FORM OF CUSTODIAN INTERIM CERTIFICATION
________________ ____, 1996
The First National Bank of Chicago
One North State Street
Chicago, Illinois 60602
Attention: Residential Funding Corporation Series
1996-S6
Re: Custodial Agreement dated as of March 1,
1996, by and among The First National
Bank of Chicago, Residential Funding
Mortgage Securities I, Inc., Residential
Funding Corporation and Norwest Bank
Minnesota, National Association,
Mortgage Pass-Through Certificates,
Series 1996-S6
Ladies and Gentlemen:
In accordance with Section 2.3 of the
above-captioned Custodial Agreement, the undersigned,
as Custodian, hereby certifies that it has received a
Mortgage File to the extent required pursuant to
Section 2.01(b) of the Pooling Agreement with respect
to each Mortgage Loan listed in the Mortgage Loan
Schedule, and it has reviewed the Mortgage File and the
Mortgage Loan Schedule and has determined that: all
required documents have been executed and received and
that such documents related to the Mortgage Loans
identified on the Mortgage Loan Schedule, with any
exceptions listed on Schedule A attached hereto.
Capitalized words and phrases used herein
shall have the respective meanings assigned to them in
the above-captioned Custodial Agreement.
NORWEST BANK
MINNESOTA, NATIONAL
ASSOCIATION
By:
Name:
Title:
EXHIBIT THREE
FORM OF CUSTODIAN FINAL CERTIFICATION
_____________ ___, 1996
The First National Bank of Chicago
One North State Street
Chicago, Illinois 60602
Attention: Residential Funding Corporation Series
1996-S6
Re: Custodial Agreement dated as of March 1,
1996, by and among The First National
Bank of Chicago, Residential Funding
Mortgage Securities I, Inc., Residential
Funding Corporation and Norwest Bank
Minnesota, National Association,
Mortgage Pass-Through Certificates,
Series 1996-S6
Ladies and Gentlemen:
In accordance with Section 2.3 of the
above-captioned Custodial Agreement, the undersigned,
as Custodian, hereby certifies that it has received a
Mortgage File with respect to each Mortgage Loan listed
in the Mortgage Loan Schedule containing (I) with
respect to each such Mortgage Loan (other than a
Cooperative Loan):
(i) The original Mortgage Note, endorsed
without recourse to the order of the Trustee and
showing an unbroken chain of endorsements from the
originator thereof to the Person endorsing it to
the Trustee or an original lost note affidavit
from the related Seller or Residential Funding
stating that the original Mortgage Note was lost,
misplaced or destroyed, together with a copy of
the related Mortgage Note;
(ii) The original Mortgage with evidence of
recording indicated thereon or a copy of the
Mortgage certified by the public recording office
in which such mortgage has been recorded;
(iii) An original Assignment of the
Mortgage to the Trustee with evidence of recording
indicated thereon or a copy of such assignment
certified by the public recording office in which
such assignment has been recorded;
(iv) With respect to each Mortgage Loan other
than a Cooperative Loan, the original recorded
assignment or assignments of the Mortgage showing
an unbroken chain of title from the originator
thereof to the Person assigning it to the Trustee
or a copy of such assignment or assignments of the
Mortgage certified by the public recording office
in which such assignment or assignments have been
recorded; and
(v) The original of each modification,
assumption agreement or preferred loan agreement,
if any, relating to such Mortgage Loan or a copy
of each modification, assumption agreement or
preferred loan agreement certified by the public
recording office in which such document has been
recorded;
and (II) with respect to each Cooperative Loan so
assigned:
(i) The original Mortgage Note, endorsed
without recourse to the order of the Trustee and
showing an unbroken chain of endorsements from the
originator thereof to the Person endorsing it to the
Trustee, or with respect to any Destroyed Mortgage
Note, an original lost note affidavit from the related
Seller or Residential Funding stating that the original
Mortgage Note was lost, misplaced or destroyed,
together with a copy of the related Mortgage Note;
(ii) A counterpart of the Cooperative Lease
and the Assignment of Proprietary Lease to the
originator of the Cooperative Loan with intervening
assignments showing an unbroken chain of title from
such originator to the Trustee;
(iii) The related Cooperative Stock
Certificate, representing the related Cooperative Stock
pledged with respect to such Cooperative Loan, together
with an undated stock power (or other similar
instrument) executed in blank;
(iv) The original recognition agreement by
the Cooperative of the interests of the mortgagee with
respect to the related Cooperative Loan;
(v) The Security Agreement;
(vi) Copies of the original UCC-1 financing
statement, and any continuation statements, filed by
the originator of such Cooperative Loan as secured
party, each with evidence of recording thereof,
evidencing the interest of the originator under the
Security Agreement and the Assignment of Proprietary
Lease;
(vii) Copies of the filed UCC-3 assignments
of the security interest referenced in clause (vi)
above showing an unbroken chain of title from the
originator to the Trustee, each with evidence of
recording thereof, evidencing the interest of the
originator under the Security Agreement and the
Assignment of Proprietary Lease;
(viii) An executed assignment of the
interest of the originator in the Security Agreement,
Assignment of Proprietary Lease and the recognition
agreement referenced in clause (iv) above, showing an
unbroken chain of title from the originator to the
Trustee;
(ix) The original of each modification,
assumption agreement or preferred loan agreement, if
any, relating to such Cooperative Loan; and
(x) An executed UCC-1 financing statement
showing the Master Servicer as debtor, the Company as
secured party and the Trustee as assignee and an
executed UCC-1 financing statement showing the Company
as debtor and the Trustee as secured party, each in a
form sufficient for filing, evidencing the interest of
such debtors in the Cooperative Loans.
Capitalized words and phrases used herein
shall have the respective meanings assigned to them in
the above-captioned Custodial Agreement.
NORWEST BANK MINNESOTA,
NATIONAL ASSOCIATION
By:
Name:
Title:
EXHIBIT F
MORTGAGE LOAN SCHEDULE
RUN ON : 03/18/96 RFC DISCLOSURE SYSTEM
RFFSD177-01
AT : 14.38.40 FIXED RATE LOAN LISTING
AMORTIZED BALANCE
SERIES : RFMSI I 1996-S6
CUTOFF : 03/01/96
POOL : 0004198
:
:
POOL STATUS: F
RFC LOAN # S/S CODE PMT TYPE ORIGINAL BAL
LOAN FEATURE
MORTGAGOR NAME ORIG TERM PRINCIPAL BAL
# OF UNITS
ADDRESS ORIG RATE ORIGINAL P+I
LTV
ADDRESS LINE 2 CURR NET CURRENT P+I
VALUE
CITY STATE ZIP LOAN PURP NOTE DATE
MI CO CODE
SERVICER LOAN # PROP TYPE 1ST PMT DATE
MI CVG
SELLER LOAN # OCCP CODE MATURITY DATE
INVESTOR LOAN #
_________________________________________________________________
_____________
1403922 920/728 F 650,000.00
ZZ
CRISPINO ARTURO B 349 649,538.61
1
511 W DOMINGO PLACE 8.125 4,862.43
73
7.875 4,862.43
900,000.00
FULLERTON CA 92631 4 01/29/96
00
0380350356 05 03/01/96
0
944610 O 03/01/25
0
1432052 232/232 F 162,000.00
ZZ
KARLOVICH KATHLEEN M 360 162,000.00
1
472 MULLIGAN STREET 8.375 1,231.32
75
8.125 1,231.32
216,000.00
FRASER CO 80442 4 02/16/96
00
834375 05 04/01/96
0
834375 O 03/01/26
0
1433820 637/728 F 209,900.00
ZZ
MARACCINI MICHAEL D 360 208,958.27
1
717 MT. VERNON WAY 9.000 1,688.91
95
8.750 1,688.91
221,046.00
PETALUMA CA 94954 1 06/19/95
12
0380166984 05 08/01/95
30
3504966 O 07/01/25
0
1437930 111/111 F 279,000.00
T
JORGENSEN JERREN E 360 277,821.82
1
75 SAN ANTONIA STREET 8.625 2,170.03
78
8.375 2,170.03
360,000.00
AVILA BEACH CA 93424 2 07/26/95
00
630928 05 09/01/95
0
1
630928 O 08/01/25
0
1442476 267/267 F 600,000.00
ZZ
MACDONALD ROBERT 360 597,198.62
1
5 ELDER COURT 7.750 4,298.48
81
7.500 4,298.48
744,000.00
MENLO PARK CA 94025 1 08/23/95
95
4365494 05 10/01/95
0
4365494 O 09/01/25
0
1442586 637/728 F 318,750.00
ZZ
FRANTELLIZZI DOMINICK 360 317,600.35
1
135 PARK LANE 8.625 2,479.21
75
8.375 2,479.21
425,000.00
DOUGLASTON MANO NY 11363 1 08/30/95
00
0380210089 05 10/01/95
0
4608378 O 09/01/25
0
1443597 429/429 F 363,800.00
ZZ
LEE KWAN W 360 362,862.45
2
2429 6TH STREET 8.250 2,733.11
70
8.000 2,733.11
525,000.00
FORT LEE NJ 07024 1 10/06/95
00
0021220769 05 12/01/95
0
0021220769 O 11/01/25
0
1444279 051/728 F 69,800.00
ZZ
AMEZCUA-DEL TORO GRACIELA 360 69,568.57
1
8448 EVERGREEN AVENUE 8.125 518.26
47
7.875 518.26
150,000.00
SOUTHGATE CA 90280 5 09/08/95
00
0380235623 05 11/01/95
0
1010703 O 10/01/25
0
1444992 231/231 F 329,999.40
ZZ
LITTMAN-QUINN JACK 360 329,765.74
1
LOT 43 PRESIDENTIAL DRIVE 7.750 2,364.16
52
7.500 2,364.16
645,000.00
SOUTHBOROUGH MA 01772 4 01/29/96
00
1016754 05 03/01/96
0
1016754 O 02/01/26
0
1
1445272 232/232 F 247,900.00
ZZ
HOLT RANDALL D 360 247,434.52
1
5732 LONGMONT LANE 8.375 1,884.22
80
8.125 1,884.22
309,900.00
HOUSTON TX 77056 1 11/15/95
00
10832644 03 01/01/96
0
10832644 O 12/01/25
0
1445986 375/728 F 330,000.00
T
MARTIN-COLLINS PAMELA 360 328,570.54
1
19769 MT BACHELOR COURT 8.500 2,537.41
72
UNIT #10 8.250 2,537.41
460,000.00
BEND OR 97702 1 07/17/95
00
0380346131 09 09/01/95
0
372072 O 08/01/25
0
1446090 A82/728 F 150,000.00
ZZ
CONGIONTI ROBERT A 360 149,502.69
1
7 ARON COURT 8.125 1,113.75
67
7.875 1,113.75
224,000.00
NEW HEMPSTEAD NY 10977 1 09/29/95
00
0380220351 05 11/01/95
0
70202865 O 10/01/25
0
1447938 B91/728 F 550,000.00
ZZ
SILLS ANDREW B 360 549,591.81
1
1127 GOLDENROD AVENUE 7.500 3,845.69
76
7.250 3,845.69
725,000.00
CORONA DEL MAR CA 92625 2 01/18/96
00
0380342452 03 03/01/96
0
1950902146 O 02/01/26
0
1448997 076/076 F 208,000.00
ZZ
COPP DAVID L 360 207,104.83
1
5136 MEADOWBROOK RD 8.000 1,526.24
80
7.750 1,526.24
260,000.00
BIRMINGHAM AL 35242 1 09/15/95
00
4705852 05 11/01/95
0
4705852 O 10/01/25
0
1449254 074/728 F 278,300.00
ZZ
LOTHER JR EDWARD G 360 276,966.41
1
5035 ABERDEEN WAY 8.000 2,042.07
80
7.750 2,042.07
347,900.00
1
BIRMINGHAM AL 35242 1 07/31/95
00
0380245176 03 09/01/95
0
1503066379 O 08/01/25
0
1451534 769/728 F 236,250.00
ZZ
IULO ROBERT 360 235,783.23
1
34 CLIFFORD DRIVE 8.125 1,754.15
75
7.875 1,754.15
315,000.00
MONTVILLE NJ 07045 1 11/08/95
00
0380259268 05 01/01/96
0
1451534 O 12/01/25
0
1452075 670/728 F 860,000.00
ZZ
SWARTZ AUBREY A 360 851,548.45
1
166 GREAT CIRCLE DRIVE 8.250 6,460.90
69
8.000 6,460.90
1,255,000.00
MILL VALLEY CA 94941 5 08/18/95
00
0380293366 05 10/01/95
0
1369779 O 09/01/25
0
1452850 776/728 F 622,500.00
ZZ
SCHNEIDER JACK R 360 621,300.97
1
3513 E MANDEVILLE PLACE 8.250 4,676.63
75
8.000 4,676.63
830,000.00
ORANGE CA 92667 2 11/14/95
00
0380343468 05 01/01/96
0
2423406 O 12/01/25
0
1453701 670/728 F 260,000.00
T
STILLINGS WILLIAM E 360 259,248.22
1
3650 PONCE DE LEON CT. 8.000 1,907.79
80
7.750 1,907.79
325,000.00
GULF SHORES AL 36542 1 10/17/95
00
0380288747 05 12/01/95
0
614069 O 11/01/25
0
1454443 076/076 F 230,000.00
ZZ
YAWN STEVEN G 360 228,928.06
1
3841 KINROSS DRIVE 7.875 1,667.66
89
7.625 1,667.66
259,000.00
BIRMINGHAM AL 35242 1 09/29/95
10
4706262 03 11/01/95
25
4706262 O 10/01/25
0
1
1454654 705/728 F 217,500.00
ZZ
SALARI MICHAEL 360 217,368.23
1
95 SPRING VALLEY ROAD 8.500 1,672.39
75
8.250 1,672.39
290,000.00
PARAMUS NJ 07652 2 01/17/96
00
0380331067 05 03/01/96
0
95303 O 02/01/26
0
1455070 721/728 F 250,000.00
ZZ
CURRAN DANIEL F 360 249,663.40
1
6231 CHICKALOON DRIVE 8.000 1,834.41
75
7.750 1,834.41
335,000.00
MCHENRY IL 60050 5 12/11/95
00
0380345927 05 02/01/96
0
9918795 O 01/01/26
0
1455288 776/728 F 276,000.00
ZZ
THURSTON WILLIAM P 360 274,952.57
1
2716 CORONA DRIVE 8.375 2,097.80
80
8.125 2,097.80
345,000.00
DAVIS CA 95616 1 08/08/95
00
0380329848 05 10/01/95
0
2322631 O 09/01/25
0
1456444 640/728 F 339,900.00
ZZ
GROTSKY DANIEL K 360 339,211.22
1
919 COLVILLE ROAD 8.000 2,494.07
75
7.750 2,494.07
453,216.00
CHARLOTTE NC 28207 4 11/17/95
00
0380342833 05 01/01/96
0
5607627 O 12/01/25
0
1456468 635/635 F 244,050.00
ZZ
YARBROUGH DAVID E 360 243,542.81
1
204 CHESWICK DRIVE 7.875 1,769.54
95
7.625 1,769.54
256,900.00
MADISON AL 35758 1 11/22/95
14
629180100 05 01/01/96
30
629180100 O 12/01/25
0
1456643 559/728 F 209,250.00
ZZ
EMERY JAMES D 360 208,988.97
1
1
1502 10TH STREET 8.375 1,590.45
75
8.125 1,590.45
279,000.00
BERKELEY CA 94710 1 12/14/95
00
0380347782 01 02/01/96
0
0414367 O 01/01/26
0
1456695 387/387 F 253,600.00
ZZ
JONES DANIEL R 360 253,283.66
1
6659 GIRVIN DRIVE 8.375 1,927.54
80
8.125 1,927.54
317,000.00
OAKLAND CA 94611 2 12/06/95
00
561084 05 02/01/96
0
561084 O 01/01/26
0
1456847 405/405 F 240,000.00
ZZ
FAMBROUGH TALMADGE H 360 239,441.57
1
130 RIVER OAKS DRIVE 8.750 1,888.09
61
8.500 1,888.09
395,000.00
PELL CITY AL 35125 2 10/16/95
00
3763588 05 12/01/95
0
3763588 O 11/01/25
0
1457537 943/728 F 240,000.00
ZZ
LUO MING 360 238,906.42
1
1659 CROSSGATE DRIVE 8.250 1,803.04
90
8.000 1,803.04
266,700.00
BIRMINGHAM AL 35216 1 07/14/95
14
0380278326 03 09/01/95
25
5080016656 O 08/01/25
0
1457539 943/728 F 226,800.00
ZZ
FREEMAN ALLEN P 360 225,462.04
1
3410 RIVER FERRY DRIVE 8.250 1,703.87
90
8.000 1,703.87
252,000.00
ALPHARETTA GA 30202 1 06/13/95
14
0380278342 03 07/01/95
30
5080020579 O 06/01/25
0
1457661 A50/A50 F 233,000.00
ZZ
ROOKIS PAULA J 360 232,111.85
1
1234 GLEN VIEW ROAD 7.875 1,689.41
90
7.625 1,689.41
259,000.00
BIRMINGHAM AL 35222 2 11/06/95
04
9501421 05 01/01/96
25
1
9501421 O 12/01/25
0
1457879 439/439 F 281,600.00
ZZ
MARTIN DONALD S 360 280,964.06
1
1130 PORTESUELLO AVENUE 7.900 2,046.69
81
7.775 2,046.69
350,250.00
SANTA BARBARA CA 93105 1 10/24/95
96
1815391 05 01/01/96
0
1815391 O 12/01/25
0
1458186 131/728 F 206,000.00
ZZ
YANNE JEAN 360 205,878.38
1
1155 NORTH LA CIENEGA BLVD. 8.625 1,602.25
67
#1102 8.375 1,602.25
310,000.00
WEST HOLLYWOOD CA 90069 2 01/11/96
00
0380347972 06 03/01/96
0
8978025 O 02/01/26
0
1458199 617/617 F 276,500.00
ZZ
RIGNEY CAROL J 360 275,559.92
1
5017 WAINWRIGHT AVENUE 8.000 2,028.86
67
7.750 2,028.86
417,000.00
HUNTSVILLE AL 35802 5 09/22/95
00
694198 05 11/01/95
0
694198 O 10/01/25
0
1458379 385/728 F 375,000.00
T
HARRIS PATRICK 360 374,532.19
1
SCHOOLHOUSE ROAD 8.375 2,850.28
60
8.125 2,850.28
635,000.00
STUYVESANT NY 12173 1 12/28/95
00
0380342858 05 02/01/96
0
1095030022 O 01/01/26
0
1458486 757/757 F 103,250.00
T
SUBLETT CHARLES D 360 103,065.80
1
807 COUNTY ROAD 226 8.625 803.07
70
8.375 803.07
147,500.00
CULLMAN AL 35057 1 11/17/95
00
2659167 05 01/01/96
0
2659167 O 12/01/25
0
1
1459182 074/728 F 272,800.00
ZZ
DICKSON KENNETH 360 272,096.95
1
5048 ABERDEEN WAY 8.250 2,049.46
80
8.000 2,049.46
341,000.00
BIRMINGHAM AL 35242 4 10/17/95
00
0380272428 03 12/01/95
0
1566061755 O 11/01/25
0
1459276 E22/728 F 128,000.00
ZZ
FRIEDMAN PAMELA A 360 127,765.72
1
1441 EAST FAIRWAY DRIVE 8.500 984.21
64
8.250 984.21
200,000.00
GULF SHORES AL 36542 5 11/09/95
00
0410006274 05 01/01/96
0
0410006274 O 12/01/25
0
1459728 596/728 F 247,500.00
ZZ
ANDERSON PAUL G 360 247,158.22
1
19089 BRASILIA DRIVE 7.875 1,794.55
75
7.625 1,794.55
330,000.00
NORTHRIDGE CA 91326 5 12/22/95
00
0380347147 05 02/01/96
0
49170178 O 01/01/26
0
1459730 881/728 F 375,000.00
ZZ
DOMINGUEZ ABEL 360 374,748.38
1
6011 VISTA DE LA MESA 8.000 2,751.62
45
7.750 2,751.62
850,000.00
LA JOLLA CA 92037 2 01/18/96
00
0380345307 05 03/01/96
0
501661 O 02/01/26
0
1459912 B38/728 F 309,000.00
ZZ
SIMNEGAR EZZATOLLA 360 309,000.00
1
5020 SHIRLEY AVENUE 8.250 2,321.41
65
8.000 2,321.41
480,000.00
TARZANA CA 91356 2 02/05/96
00
0380349994 05 04/01/96
0
W01982 O 03/01/26
0
1459917 998/998 F 292,300.00
ZZ
DUFFY WARREN H 360 291,896.36
1
6862 VIA CARONA DRIVE 7.875 2,119.38
95
7.625 2,119.38
307,700.00
1
HUNTINGTON BEAC CA 92647 1 12/14/95
10
59480764 05 02/01/96
30
59480764 O 01/01/26
0
1459921 998/998 F 217,075.00
ZZ
HARKINS WILLIAM A 360 216,775.22
1
3010 SONOMA STREET 7.875 1,573.95
95
7.625 1,573.95
228,500.00
TORRANCE CA 90505 1 12/13/95
10
99324576 05 02/01/96
30
99324576 O 01/01/26
0
1460207 A35/728 F 95,200.00
ZZ
BIGGER MICHAEL E 360 95,139.29
2
301 PARKSIDE COURT 8.250 715.21
70
8.000 715.21
136,000.00
COPIAGUE NY 11726 2 01/09/96
00
0380341918 05 03/01/96
0
3332 O 02/01/26
0
1460222 637/728 F 257,000.00
ZZ
FRANKLIN MARTIN D 360 256,827.55
1
244 FINE AVENUE 8.000 1,885.78
78
7.750 1,885.78
330,000.00
SONOMA CA 95476 2 01/16/96
00
0380343393 05 03/01/96
0
4816039 O 02/01/26
0
1460533 702/702 F 332,800.00
ZZ
WEAVER HOWARD A 360 332,587.78
1
CHAFFEE RIDGE 8.250 2,500.22
83
8.000 2,500.22
405,000.00
RUTLAND VT 05701 2 01/23/96
01
2009702 05 03/01/96
12
2009702 O 02/01/26
0
1461042 698/728 F 201,750.00
BB
MAX MARTIN L 360 201,245.52
1
2133 NORTH FLOWER STREET 8.500 1,551.28
75
8.250 1,551.28
269,000.00
SANTA ANA CA 92706 1 11/28/95
00
0380342015 05 01/01/96
0
12601845 O 12/01/25
0
1
1461318 686/686 F 650,000.00
ZZ
YARAGHI AHMAD 360 642,369.53
1
5939 NORTHERN BLVD 9.000 5,230.05
60
8.750 5,230.05
1,100,000.00
MUTTONTOWN NY 11791 1 06/03/94
00
30815859889 05 08/01/94
0
30815859889 O 07/01/24
0
1461335 356/728 F 332,000.00
ZZ
CHENG RAYMOND L 360 331,777.23
1
21747 MC CLELLAN ROAD 8.000 2,436.10
75
7.750 2,436.10
445,000.00
CUPERTINO CA 95014 5 01/19/96
00
0380344672 05 03/01/96
0
2332583 O 02/01/26
0
1461414 317/728 F 926,850.00
ZZ
MITCHELL PETER J 360 925,693.80
1
974 THIRD GREEN COURT 8.375 7,044.73
57
8.125 7,044.73
1,650,000.00
INCLINE VILLAGE NV 89451 2 12/29/95
00
0380341470 05 02/01/96
0
227242 O 01/01/26
0
1461606 893/728 F 450,000.00
ZZ
HOBBS WALTER A 360 450,000.00
1
2155 WARD WAY 7.875 3,262.81
76
7.625 3,262.81
598,000.00
WOODSIDE CA 94062 1 02/07/96
00
0380346966 05 04/01/96
0
1461606 O 03/01/26
0
1461667 661/661 F 354,239.50
ZZ
FULMER THOMAS S 287 350,949.21
1
124 HUNT DRIVE 8.750 2,949.61
47
8.500 2,949.61
755,000.00
PRINCETON NJ 08540 1 11/10/95
00
1968650 05 12/01/95
0
1968650 O 10/01/19
0
1462192 403/403 F 210,572.85
ZZ
WOLF ARTHUR W 316 210,019.67
1
1
175 HEMLOCK HILL NORTH 8.390 1,655.37
41
8.140 1,655.37
520,000.00
FAIRFIELD CT 06430 5 10/05/95
00
1782697 05 01/01/96
0
1782697 O 04/01/22
0
1462305 B38/728 F 216,000.00
ZZ
RUBIO MARIO 360 215,851.35
1
1516 FOREST GLEN DRIVE 7.875 1,566.15
80
7.625 1,566.15
270,000.00
LA PUENTE CA 91745 2 01/19/96
00
0380349044 05 03/01/96
0
W01999 O 02/01/26
0
1462335 714/714 F 252,026.00
ZZ
BONGARD DAVID P 360 251,364.98
1
4429 W SQUIRE ROAD 8.500 1,937.86
78
113N 8.250 1,937.86
326,991.00
MEQUON WI 53092 1 10/09/95
00
739510 05 12/01/95
0
739510 O 11/01/25
0
1462338 640/640 F 220,000.00
ZZ
AUSTILL WILLIAM A 360 219,531.15
1
156 MEMORY COURT 7.750 1,576.11
72
7.500 1,576.11
307,000.00
BIRMINGHAM AL 35213 5 11/13/95
00
5604467 05 01/01/96
0
5604467 O 12/01/25
0
1462359 705/728 F 235,800.00
ZZ
COLONNA JOSEPH 360 235,657.15
1
3516 BERTHA DRIVE 8.500 1,813.10
90
8.250 1,813.10
262,500.00
BALDWIN NY 11510 1 01/23/96
11
0380344003 05 03/01/96
25
95300274 O 02/01/26
0
1462403 936/728 F 566,000.00
ZZ
BOWEN TRAVIS L 360 565,610.49
1
1035 SOUTH FAIRWAY CIRCLE 7.875 4,103.89
75
7.625 4,103.89
755,000.00
FRUIT HEIGHTS UT 84037 4 01/29/96
00
0380348319 05 03/01/96
0
1
6002422 O 02/01/26
0
1462411 881/728 F 286,000.00
ZZ
BROWN DAVID S 360 285,661.08
1
1290 DISCOVERY BAY BLVD 8.625 2,224.48
80
8.375 2,224.48
360,000.00
DISCOVERY BAY CA 94514 2 12/19/95
00
0380355652 03 02/01/96
0
401479 O 01/01/26
0
1462571 881/728 F 750,000.00
ZZ
LAPA DONALD S 360 750,000.00
1
15631 WOODFIELD PLACE 8.250 5,634.50
70
8.000 5,634.50
1,080,000.00
LOS ANGELES CA 91403 2 02/01/96
00
0380347303 05 04/01/96
0
103262 O 03/01/26
0
1462606 E37/728 F 346,500.00
ZZ
LEVIN BENJAMIN 360 345,849.37
1
3726 SHERIDGE DRIVE 8.375 2,633.65
90
8.125 2,633.65
385,000.00
SHERMAN OAKS CA 91403 2 11/16/95
14
450275383 05 01/01/96
30
450275383 O 12/01/25
0
1462756 791/728 F 138,750.00
ZZ
MEDINA JOSE A 360 138,665.94
1
146 WEST 51 STREET 8.500 1,066.87
75
8.250 1,066.87
185,000.00
HIALEAH FL 33012 1 01/10/96
00
0380343088 05 03/01/96
0
756249 O 02/01/26
0
1462886 975/728 F 525,000.00
ZZ
CHOI JAMES H 360 525,000.00
1
1352 VIA ROMERO 8.375 3,990.38
70
8.125 3,990.38
750,000.00
PALOS VERDES ES CA 90274 4 02/01/96
00
0380347188 05 04/01/96
0
952801 O 03/01/26
0
1
1463125 B38/728 F 317,600.00
ZZ
RODRIGUEZ FRANKLIN M 360 315,854.82
1
82 SOUTH POWDER MILL ROAD 8.000 2,330.44
80
MORRIS PLAINS 7.750 2,330.44
397,000.00
PARISPPANY-TROY NJ 07950 1 06/23/95
00
0380349267 05 08/01/95
0
10000751 O 07/01/25
0
1463318 808/728 F 360,000.00
ZZ
CHO MAN C 360 359,752.25
1
26403 BIRCHFIELD AVENUE 7.875 2,610.25
90
7.625 2,610.25
400,000.00
RANCHO PALOS VE CA 90274 2 01/04/96
14
0380342619 05 03/01/96
25
9300414 O 02/01/26
0
1463898 369/728 F 875,000.00
ZZ
RAY JOHNNIE W 360 873,398.46
1
515 BUFFALO WAY 8.500 6,728.00
76
8.250 6,728.00
1,153,200.00
ROCKWALL TX 75087 2 11/28/95
00
0380332081 05 01/01/96
0
48726061 O 12/01/25
0
1463955 737/728 F 289,350.00
ZZ
BYNUM SHARON C 360 289,032.71
1
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BIRMINGHAM AL 35242 1 12/21/95
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25
554139 O 01/01/26
0
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ZZ
WILLINGHAM THOMAS P 360 219,379.15
1
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74
7.750 1,614.28
300,000.00
BIRMINGHAM AL 35244 1 10/23/95
00
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8.125 912.09
160,000.00
1
BRADENTON FL 34210 1 01/16/96
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TORDELLA PHILIP A 360 374,741.93
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545,000.00
BERWYN PA 19312 2 01/26/96
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SPECHKO JOHN A 360 297,794.92
1
5520 INVERNESS AVENUE 7.875 2,160.71
80
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SANTA ROSA CA 95404 2 12/29/95
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BRADACH MICHAEL E 360 224,852.82
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7764 BACON ROAD 8.125 1,670.62
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7.875 1,670.62
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WHITTIER CA 90602 2 01/17/96
01
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302136 O 02/01/26
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WEINBERG ROSS H 360 232,478.53
1
7897 KENDRICK COURT 7.875 1,687.96
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7.625 1,687.96
291,247.00
MANASSAS VA 22111 1 12/29/95
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SIMPSON HERBERT B 360 179,879.22
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7720 SW 177 STREET 8.000 1,320.78
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7.750 1,320.78
240,000.00
MIAMI FL 33157 1 01/12/96
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0380342155 05 03/01/96
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0
1
1464951 637/728 F 620,000.00
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KOCOGLU OHANNES 360 619,624.40
1
15969 TOBIN WAY 8.500 4,767.27
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8.250 4,767.27
885,000.00
SHERMAN OAKS CA 91403 2 01/24/96
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0380343245 05 03/01/96
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1465115 791/728 F 96,000.00
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BEINEKE SUSAN A 360 95,937.20
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38 LAUREL COURT #309 8.125 712.80
80
7.875 712.80
120,000.00
NASHUA NH 03062 1 01/05/96
00
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0
756362 O 02/01/26
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WILCOXON DARREL B 360 214,785.48
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27159 COLUMBIA WAY 8.250 1,616.73
80
8.000 1,616.73
269,000.00
HAYWARD CA 94542 1 11/27/95
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1465213 736/728 F 632,900.00
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1
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7.625 4,588.96
843,900.00
RANCHO PALOS VE CA 90275 1 01/24/96
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CABALLES ROBERT 360 234,699.26
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11462 WILDCAT COURT 8.250 1,765.48
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8.000 1,765.48
325,000.00
DUBLIN CA 94568 2 12/20/95
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NGUYEN HUY S 360 215,000.00
1
1
5477 RESEDA CIRCLE 8.250 1,615.23
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290,000.00
FREMONT CA 94538 2 02/02/96
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2331825 O 03/01/26
0
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ZHOU STEVE X 360 299,366.99
1
21073 GREENOLA DRIVE 8.000 2,198.13
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7.750 2,198.13
570,000.00
CUPERTINO CA 95014 2 01/19/96
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1466251 736/728 F 1,000,000.00
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STERN YOAV 360 999,311.81
1
17 TARA HILL ROAD 7.875 7,250.69
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7.625 7,250.69
1,460,000.00
TIBURON CA 94920 1 01/23/96
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0380341165 05 03/01/96
0
460272 O 02/01/26
0
1466261 375/728 F 241,000.00
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LIU JIMMY 360 240,834.14
1
1190 KAHULUI STREET 7.875 1,747.42
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7.625 1,747.42
425,000.00
HONOLULU HI 96825 2 01/12/96
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0380371097 03 03/01/96
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1466281 664/728 F 213,750.00
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OCAMPO JR CATALINO M 360 213,623.80
1
23 JENNINGS COURT 8.625 1,662.53
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8.375 1,662.53
225,000.00
SAN FRANCISCO CA 94124 1 01/09/96
10
0380345695 01 03/01/96
30
2032654 O 02/01/26
0
1466381 791/728 F 45,000.00
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ARIAS VICTORIA B 360 44,967.43
1
305 S FENWICK STREET 7.625 318.51
25
7.375 318.51
187,000.00
ARLINGTON VA 22204 2 01/23/96
00
0380342122 05 03/01/96
0
1
756373 O 02/01/26
0
1466559 559/728 F 176,700.00
ZZ
NAGEL DENNIS W 360 176,581.43
1
1477 CAPRI AVENUE 8.000 1,296.57
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7.750 1,296.57
186,000.00
PETALUMA CA 94954 2 01/02/96
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0380346354 03 03/01/96
30
0430520 O 02/01/26
0
1466638 668/728 F 130,000.00
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BROWN ROBERT G 360 129,919.19
1
14770 SLALOM WAY 8.375 988.10
63
8.125 988.10
209,000.00
TRUCKEE CA 96161 4 01/11/96
00
0380362450 05 03/01/96
0
6213524 O 02/01/26
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1466642 455/728 F 98,000.00
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WILCOX BILL 360 97,940.63
1
5209 CROSSRIDGE CIRCLE 8.500 753.54
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8.250 753.54
140,000.00
WOODSTOCK GA 30188 2 01/15/96
00
0380348988 05 03/01/96
0
50639 O 02/01/26
0
1466666 076/076 F 300,000.00
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WOODHAM BARRY D 360 298,911.54
1
SPRING CREEK ROAD 7.875 2,175.20
75
7.625 2,175.20
400,000.00
MONTEVALLO AL 35115 4 10/01/95
00
4973012 05 11/01/95
0
4973012 O 10/01/25
0
1466886 171/728 F 227,050.00
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MALACHI SEAN 360 226,889.74
1
300 SOUTH ANISE STREET 7.750 1,626.62
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7.500 1,626.62
239,000.00
ANAHEIM CA 92808 1 01/09/96
10
0380345653 03 03/01/96
30
67052720 O 02/01/26
0
1
1466888 A53/728 F 241,300.00
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LOGUE TERESA G 360 240,823.24
1
7187 PRESIDENTIAL DRIVE 8.125 1,791.65
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7.875 1,791.65
283,900.00
GURNEE IL 60031 1 11/21/95
04
0380363409 03 01/01/96
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0290016127 O 12/01/25
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GAGNE MICHAEL J 360 292,763.19
1
30 DUCKS HEAD UNIT 30 8.250 2,200.84
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8.000 2,200.84
420,000.00
NEW CASTLE NH 03854 2 01/25/96
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0380347915 01 03/01/96
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1466895 965/728 F 82,400.00
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KUNSMAN SR ROBERT A 360 82,112.71
1
4205 NORTH 111TH AVENUE 7.875 597.46
80
7.625 597.46
103,000.00
PHOENIX AZ 85037 2 09/27/95
00
0380347501 05 11/01/95
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138026 O 10/01/25
0
1466908 356/728 F 249,000.00
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UPCHURCH JAMES W 360 249,000.00
1
151 CENTRAL AVENUE 7.875 1,805.43
42
7.625 1,805.43
600,000.00
LOS GATOS CA 95032 2 01/26/96
00
0380347436 05 04/01/96
0
2335842 O 03/01/26
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1466955 757/757 F 390,000.00
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LOEB THOMAS S 360 389,447.70
1
9430 TIMBERCREEK BOULEVARD 7.750 2,794.01
87
7.500 2,794.01
449,516.00
DAPHNE AL 36526 1 12/30/95
01
2671162 03 02/01/96
25
2671162 O 01/01/26
0
1467001 709/728 F 400,000.00
ZZ
HENDERSON DAVID A 360 400,000.00
1
2 TARRY LANE 8.125 2,969.99
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7.875 2,969.99
600,000.00
1
ORINDA CA 94563 5 02/09/96
00
0380353426 05 04/01/96
0
700826 O 03/01/26
0
1467056 757/757 F 560,000.00
ZZ
COOPER CALVIN K 360 559,245.98
1
1320 PLAINVIEW ROAD 8.000 4,109.09
74
7.750 4,109.09
760,000.00
MAYESVILLE GA 30558 2 12/22/95
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0
2670792 O 01/01/26
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O'LEARY DANIEL S 360 289,600.00
1
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80
8.000 2,175.67
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IPSWICH MA 01938 2 02/02/96
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0
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0
1467099 171/728 F 277,850.00
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GARRICK WILLIAM J 360 277,672.82
1
410 LOS ALTOS AVENUE 8.250 2,087.40
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8.000 2,087.40
292,500.00
LONG BEACH CA 90814 1 01/10/96
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0380345158 05 03/01/96
30
61052440 O 02/01/26
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1467115 E03/728 F 183,350.00
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STUBBS ERIC D 360 183,230.06
1
1463 ALISO PLACE 8.125 1,361.37
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7.875 1,361.37
193,000.00
ESCONDIDO CA 92027 2 01/19/96
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0380347360 05 03/01/96
30
69000290 O 02/01/26
0
1467519 227/728 F 340,720.00
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FISCHER WILLIAM H 360 339,424.67
1
5203 E. MINERAL LANE 7.875 2,470.46
80
7.625 2,470.46
425,900.00
LITTLETON CO 80123 1 12/20/95
00
0380349275 03 02/01/96
0
1622326 O 01/01/26
0
1
1467607 757/757 F 49,500.00
ZZ
DUBOV MIRIAM 360 49,439.79
1
3440 HORSESHOE CIRCLE 8.500 380.62
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8.250 380.62
84,500.00
MONTGOMERY AL 36116 1 12/27/95
00
2670716 05 02/01/96
0
2670716 O 01/01/26
0
1467700 803/728 F 216,550.00
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DE MORDAUNT MICHAEL W 360 216,255.77
1
4 MAINSAIL COURT 8.000 1,588.97
95
7.750 1,588.97
227,958.00
RICHMOND CA 94804 1 12/21/95
11
0380318155 03 02/01/96
30
140033 O 01/01/26
0
1467752 201/728 F 229,300.00
ZZ
QUINTANA ANTONIO 360 228,983.35
1
11215 CEDARCLIFFE DRIVE 7.875 1,662.59
91
7.625 1,662.59
254,377.00
AUSTIN TX 78750 1 12/11/95
04
0380310749 05 02/01/96
30
4200861161 O 01/01/26
0
1467765 935/728 F 63,900.00
ZZ
COLE DONALD N 360 63,861.28
1
16259 EDGINGTON 8.500 491.34
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8.250 491.34
79,900.00
WILLIAMSBURG OH 45176 1 02/01/96
00
0380350091 05 03/01/96
0
43173 O 02/01/26
0
1467781 180/728 F 150,000.00
ZZ
MUNK DAVID 360 149,911.45
1
2724 UPPER CATTLE CREEK 8.625 1,166.68
60
8.375 1,166.68
251,000.00
CARBONDALE CO 81623 1 01/12/96
00
0380342742 05 03/01/96
0
4028775 O 02/01/26
0
1467791 668/728 F 229,900.00
ZZ
MCNAIR THOMAS C 360 229,605.77
1
1
341 FAIRHAVEN WAY 8.250 1,727.17
95
8.000 1,727.17
242,900.00
VALLEJO CA 95491 1 12/19/95
10
0380342387 05 02/01/96
30
6257604 O 01/01/26
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1467818 A35/728 F 227,700.00
ZZ
HAWKINS TOMAS K 360 227,547.22
1
3889 WINDANSEA STREET 8.000 1,670.78
79
7.750 1,670.78
290,000.00
LAS VEGAS NV 89117 2 01/23/96
00
0380340514 03 03/01/96
0
2303 O 02/01/26
0
1467820 A35/728 F 540,000.00
ZZ
UNGER ROBERT G 360 539,637.67
1
1899 HILLBORO DRIVE 8.000 3,962.33
80
7.750 3,962.33
675,000.00
HENDERSON NV 89014 1 01/19/96
00
0380341645 03 03/01/96
0
2350 O 02/01/26
0
1467966 668/728 F 397,900.00
ZZ
PETLANSKY JOHN M 360 397,336.51
1
1661 CALCITE COURT 7.750 2,850.61
90
7.500 2,850.61
442,121.00
LIVERMORE CA 94550 1 12/14/95
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0380326463 05 02/01/96
25
6193569 O 01/01/26
0
1468074 976/728 F 296,000.00
ZZ
OLAES ANTHONY V 360 295,796.29
1
526 CAMINO BAILEN 7.875 2,146.21
80
7.625 2,146.21
370,000.00
ESCONDIDO CA 92029 1 01/22/96
00
0380362708 05 03/01/96
0
743706 O 02/01/26
0
1468233 731/728 F 360,000.00
ZZ
TINSLEY PAMELA 360 359,758.45
1
20485 ROCACHICA 8.000 2,641.55
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7.750 2,641.55
525,000.00
MALIBU CA 90265 2 01/23/96
00
0380345737 05 03/01/96
0
1
411911104 O 02/01/26
0
1468252 881/728 F 294,000.00
ZZ
BARNETT FRANK 360 293,802.73
1
527 WEST MAPLE AVENUE 8.000 2,157.27
70
7.750 2,157.27
420,000.00
EL SEGUNDO CA 90245 2 01/18/96
00
0380347964 05 03/01/96
0
302170 O 02/01/26
0
1468254 976/728 F 243,000.00
ZZ
YOUNG BETH A 360 242,841.04
1
920 S. EL DORADO STREET 8.125 1,804.27
90
7.875 1,804.27
270,000.00
SAN MATEO CA 94402 1 01/13/96
04
0380355967 05 03/01/96
25
722681824 O 02/01/26
0
1468256 356/728 F 300,000.00
ZZ
MILLER DONA L 360 299,798.70
1
1294 REGENCY DRIVE 8.000 2,201.30
78
7.750 2,201.30
385,000.00
SAN JOSE CA 95129 2 01/20/96
00
0380358995 05 03/01/96
0
2338366 O 02/01/26
0
1468274 E15/728 F 260,000.00
ZZ
HUNTER JAMES P 360 259,829.93
1
17969 SARATOGA LOS GATOS RD 8.125 1,930.49
73
7.875 1,930.49
360,000.00
MONTE SERENO CA 95030 5 01/12/96
00
0380343302 05 03/01/96
0
31006151 O 02/01/26
0
1468332 A91/728 F 241,000.00
ZZ
MACLELLAND STUART 360 240,842.35
1
108 CRANFORD AVENUE 8.125 1,789.42
90
7.875 1,789.42
268,000.00
CRANFORD NJ 07016 1 01/26/96
11
0380344912 05 03/01/96
25
345291 O 02/01/26
0
1
1468418 077/077 F 209,500.00
ZZ
WALKER DOUGLAS E 360 209,210.70
1
5994 TAYLOR RIDGE 7.875 1,519.02
95
7.625 1,519.02
220,685.00
WEST CHESTER OH 45069 1 12/29/95
12
349862 05 02/01/96
30
349862 O 01/01/26
0
1468463 439/728 F 220,000.00
ZZ
DITO DENISE H 360 219,678.91
1
1279 TOWNSEND TERRACE 7.600 1,553.37
62
7.350 1,553.37
356,950.00
SUNNYVALE CA 94087 1 12/20/95
00
0380318056 05 02/01/96
0
1826479 O 01/01/26
0
1468498 776/728 F 360,000.00
ZZ
GREEN SHARON H 360 359,745.91
1
1721 WALDMAN AVENUE 7.750 2,579.09
67
7.500 2,579.09
540,000.00
LAS VEGAS NV 89102 5 01/26/96
00
0380349556 05 03/01/96
0
6326906 O 02/01/26
0
1468504 764/728 F 298,400.00
ZZ
CHIEN JONATHAN S 360 298,209.72
1
429 N ALABAMA STREET 8.250 2,241.78
74
8.000 2,241.78
408,000.00
SAN GARBRIEL CA 91776 2 01/23/96
00
0380347048 05 03/01/96
0
890075 O 02/01/26
0
1468543 455/728 F 126,500.00
ZZ
GOTTLINGER A C 360 126,421.36
1
3253 COUNTRYWIDE DRIVE 8.375 961.50
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8.125 961.50
185,000.00
MARIETTA GA 30067 2 01/26/96
00
0380346099 05 03/01/96
0
1009 O 02/01/26
0
1468562 561/728 F 321,000.00
ZZ
PADULA PETER 360 320,567.78
1
2051 WASHINGTON VALLEY ROAD 8.000 2,355.39
74
7.750 2,355.39
436,000.00
1
BRIDGEWATER NJ 08807 4 12/20/95
00
0380361627 05 02/01/96
0
8535924 O 01/01/26
0
1468691 601/728 F 260,000.00
ZZ
GINSBURGH CHARLES L 360 259,649.92
1
201 STEVENS COURT 8.000 1,907.79
75
7.750 1,907.79
349,903.00
YORKTOWN VA 23693 1 12/12/95
00
0380358318 03 02/01/96
0
1037216 O 01/01/26
0
1468710 965/728 F 217,500.00
ZZ
RIVA RICHARD V 360 217,500.00
1
10390 E LAKEVIEW DRIVE #104 8.250 1,634.00
69
8.000 1,634.00
318,000.00
SCOTTSDALE AZ 85258 2 02/02/96
00
0380345430 01 04/01/96
0
138138 O 03/01/26
0
1468715 936/728 F 223,250.00
ZZ
EDMISTON JOHN J 360 223,100.20
1
1309 EAST SOMERSET PLACE 8.000 1,638.13
95
7.750 1,638.13
235,000.00
LONG BEACH CA 90807 1 01/18/96
11
0380345406 05 03/01/96
30
600777 O 02/01/26
0
1468719 956/728 F 180,000.00
ZZ
SOUTH MICHAEL L 360 179,872.96
1
589 BAYONA LOOP 7.750 1,289.54
75
7.500 1,289.54
240,000.00
CHULA VISTA CA 91910 2 01/24/96
00
0380350828 05 03/01/96
0
601054 O 02/01/26
0
1468721 936/728 F 250,000.00
ZZ
DYER PAIGE M 360 250,000.00
1
1 PINTO ROAD 8.000 1,834.42
38
7.750 1,834.42
675,000.00
ROLLING HILLS CA 90274 5 02/01/96
00
0380347097 03 04/01/96
0
6004907 O 03/01/26
0
1
1468741 689/728 F 247,000.00
ZZ
SULLIVAN JOHN J 360 246,825.67
1
6111 CHICAGO STREET 7.750 1,769.54
48
7.500 1,769.54
525,000.00
OMAHA NE 68132 2 01/23/96
00
0380342809 05 03/01/96
0
NA O 02/01/26
0
1468746 450/728 F 940,000.00
ZZ
JACOBSON LAURENCE D 360 939,385.11
1
11949 KEARSARGE STREET 8.125 6,979.47
70
7.875 6,979.47
1,350,000.00
LOS ANGELES CA 90049 2 01/24/96
00
0380360306 05 03/01/96
0
3963113 O 02/01/26
0
1468760 070/728 F 101,315.80
ZZ
OGRADY JAMES C 346 101,168.18
1
13 QUARRY LANE 8.125 759.55
95
7.875 759.55
108,000.00
MILTON VT 05468 1 12/01/95
11
0380332107 05 02/01/96
25
1489097 O 11/01/24
0
1468793 070/728 F 726,600.00
ZZ
LUDWIG BRUCE L 360 723,842.57
1
128 NORTH JUNE STREET 8.375 5,522.68
73
8.125 5,522.68
1,000,000.00
LOS ANGELES CA 90004 2 08/30/95
00
0380332420 05 10/01/95
0
5252159 O 09/01/25
0
1468927 070/728 F 246,600.00
ZZ
WHITED JOHNIE W 360 246,267.98
1
733 HEATHERWOOD DRIVE 8.000 1,809.46
70
7.750 1,809.46
355,000.00
BIRMINGHAM AL 35244 5 12/04/95
00
0380333709 03 02/01/96
0
7364583 O 01/01/26
0
1468928 070/728 F 237,400.00
ZZ
BLANTON JAMES M 360 237,132.84
1
1
11948 VIA ALFALFA 8.875 1,888.86
95
8.625 1,888.86
249,900.00
EL CAJON CA 92019 1 12/19/95
14
0380333717 05 02/01/96
30
7384195 O 01/01/26
0
1468942 070/728 F 58,700.00
ZZ
WALDROP JAMES L 360 58,581.05
1
500 TINKER STREET 8.000 430.72
70
7.750 430.72
83,900.00
HUEYTOWN AL 35023 1 11/30/95
00
0380333865 05 01/01/96
0
7486176 O 12/01/25
0
1469005 881/728 F 221,000.00
ZZ
HANSON RANDOLPH L 360 220,851.71
1
39235 BELLA VISTA ROAD 8.000 1,621.62
74
7.750 1,621.62
300,000.00
TEMECULA CA 92592 2 01/22/96
00
0380345570 05 03/01/96
0
102947 O 02/01/26
0
1469010 227/728 F 292,900.00
ZZ
JACKSON TIMOTHY L 360 291,873.95
1
6146 S. BOSTON CIRCLE 8.000 2,149.20
80
7.750 2,149.20
367,000.00
ENGLEWOOD CO 80111 2 09/22/95
00
0380342254 05 11/01/95
0
1615315 O 10/01/25
0
1469034 776/728 F 325,000.00
ZZ
BELLIGAN DENISE E 360 324,551.19
1
1015 BURLWOOD DRIVE 7.875 2,356.48
90
7.625 2,356.48
362,000.00
SAN JOSE CA 95120 1 12/28/95
10
0380331919 05 02/01/96
25
6226978 O 01/01/26
0
1469088 369/728 F 232,500.00
ZZ
KROISS STEPHEN J 360 232,194.79
1
5605 ZUMBRA DRIVE 8.125 1,726.31
75
7.875 1,726.31
310,000.00
VICTORIA MN 55386 1 12/29/95
00
0380340605 05 02/01/96
0
1
48624902 O 01/01/26
0
1469135 803/728 F 270,000.00
ZZ
MARTELL TERRY 360 270,000.00
1
952 SOUTH CREEKVIEW LANE 7.750 1,934.31
90
7.500 1,934.31
300,000.00
ANAHEIM CA 92808 1 02/05/96
11
0380346255 03 04/01/96
25
11630005 O 03/01/26
0
1469138 E15/728 F 257,100.00
ZZ
CALLENDER ROBERT J 360 256,936.05
1
12154 BEAUFAIT AVENUE 8.250 1,931.51
90
NORTHRIDGE AREA 8.000 1,931.51
286,000.00
LOS ANGELES CA 91326 1 01/25/96
10
0380363292 05 03/01/96
25
31006201 O 02/01/26
0
1469242 975/728 F 197,750.00
ZZ
LEE PAUL 360 197,617.31
1
2315 LONGDEN DRIVE 8.000 1,451.02
56
7.750 1,451.02
357,000.00
SAN MARINO CA 91108 1 01/22/96
00
0380343765 05 03/01/96
0
960099 O 02/01/26
0
1469281 025/025 F 329,100.00
ZZ
BEAUCHAMP R D 360 327,206.76
1
928 YEARLING WAY 8.375 2,501.40
90
8.125 2,501.40
365,715.00
NASHVILLE TN 37221 1 05/31/95
01
405737 03 07/01/95
25
405737 O 06/01/25
0
1469288 943/943 F 84,150.00
ZZ
GIANNINI, WILLIAM 360 73,511.51
1
AMICALOLA ROAD 10.250 754.07
90
10.000 754.07
93,500.00
HIGHLAND LAKES NJ 07422 1 05/15/86
04
9137495 05 07/01/86
17
9137495 O 06/01/16
0
1
1469337 943/943 F 328,500.00
ZZ
COOPER BRAD 360 327,799.93
1
6210 CORDOBA CT 7.750 2,353.42
90
7.500 2,353.42
365,000.00
LONG BEACH CA 90803 1 11/20/95
10
5545000146 03 01/01/96
25
5545000146 O 12/01/25
0
1469369 668/728 F 490,000.00
ZZ
WOOD DAVID E 360 489,356.77
1
2565 WEST LAKE VAN NESS CIRCLE 8.125 3,638.24
70
7.875 3,638.24
700,000.00
FRESNO CA 93711 1 12/26/95
00
0380323882 03 02/01/96
0
6249338 O 01/01/26
0
1469373 A06/728 F 99,000.00
ZZ
SHERWOOD BRIAN 360 98,938.46
1
2970 ROWAN 8.375 752.48
75
8.125 752.48
132,000.00
WATERFORD MI 48329 2 01/10/96
00
0380313628 05 03/01/96
0
956448 O 02/01/26
0
1469380 480/728 F 337,500.00
ZZ
BEAVER DAVID M 360 337,056.96
1
1121 MYRTLE ROAD 8.125 2,505.93
90
7.875 2,505.93
375,000.00
VALRICO FL 33594 1 12/27/95
10
0380327107 05 02/01/96
25
1245653 O 01/01/26
0
1469407 936/728 F 341,250.00
ZZ
KAMINSKI ROBERT J 360 341,032.39
1
29126 WARNICK ROAD 8.250 2,563.70
75
8.000 2,563.70
455,000.00
RANCHO PALOS VE CA 90275 5 01/23/96
00
0380344433 05 03/01/96
0
6005706 O 02/01/26
0
1469408 936/728 F 520,000.00
ZZ
SCHRODY ERIK E 360 519,676.79
1
2113 MOUNT OLYMPUS DRIVE 8.375 3,952.38
78
8.125 3,952.38
675,000.00
1
LOS ANGELES CA 90046 2 01/22/96
00
0380352006 05 03/01/96
0
6010151541 O 02/01/26
0
1469450 A35/728 F 392,000.00
ZZ
CASALE KATHRYN L 360 392,000.00
1
13 RAYNHAM ROAD 7.750 2,808.34
70
7.500 2,808.34
560,000.00
GLEN COVE NY 11542 1 02/02/96
00
0380344813 05 04/01/96
0
HV6232 O 03/01/26
0
1469472 E22/728 F 749,000.00
ZZ
CIRINO JOHN 360 748,510.05
1
27495 HIDDEN TRAIL ROAD 8.125 5,561.30
70
7.875 5,561.30
1,070,000.00
LAGUNA HILLS CA 92653 1 01/23/96
00
0410054126 03 03/01/96
0
0410054126 O 02/01/26
0
1469542 450/728 F 242,500.00
ZZ
PUFF JR ROBERT E 360 242,147.86
1
3331 PARAISO WAY 7.625 1,716.40
90
7.375 1,716.40
269,500.00
GLENDALE CA 91214 2 12/07/95
10
0380324195 05 02/01/96
25
3962552 O 01/01/26
0
1469667 976/728 F 280,000.00
ZZ
MCALLISTER CHARLES L 360 279,797.34
1
308 CHANNING ROAD 7.625 1,981.83
80
7.375 1,981.83
350,000.00
BURLINGAME CA 94010 1 01/23/96
00
0380348491 05 03/01/96
0
757045824 O 02/01/26
0
1469792 227/728 F 218,000.00
ZZ
DEFRENCH TIMOTHY M 360 217,675.41
1
10541 BROOKVIEW DRIVE 7.500 1,524.29
95
7.250 1,524.29
229,525.00
CARMEL IN 46032 1 01/04/96
14
0380334608 03 02/01/96
30
1563044 O 01/01/26
0
1
1469857 385/385 F 246,914.75
ZZ
SMITH DEBORAH C 334 246,727.56
1
2800 GLENEAGLES POINTE 8.375 1,910.45
88
8.125 1,910.45
283,689.00
ALPHARETTA GA 30202 1 12/18/95
10
1248194 03 03/01/96
17
1248194 O 12/01/23
0
1469884 163/728 F 255,000.00
ZZ
STEJSKAL THOMAS A 360 254,508.83
1
1832 WILSON PLACE 8.250 1,915.73
71
8.000 1,915.73
360,000.00
ARLINGTON HEIGH IL 60004 5 11/20/95
00
0380346693 05 01/01/96
0
15099858 O 12/01/25
0
1469923 976/728 F 270,000.00
ZZ
CARPENTER ANGELA K 360 269,814.19
1
5000 MIGUEL COURT NE 7.875 1,957.69
65
7.625 1,957.69
420,000.00
ALBUQUERQUE NM 87111 1 01/24/96
00
0380354432 05 03/01/96
0
657687644 O 02/01/26
0
1469925 976/728 F 645,000.00
ZZ
ANDERSON ERIC P 360 644,556.11
1
2736 BRODERICK STREET 7.875 4,676.70
67
7.625 4,676.70
975,000.00
SAN FRANCISCO CA 94123 2 01/25/96
00
0380349887 05 03/01/96
0
757126824 O 02/01/26
0
1469950 559/728 F 247,500.00
ZZ
ROBINSON SUSAN 360 247,350.05
1
386 OCEAN PARKWAY 8.500 1,903.07
75
8.250 1,903.07
330,000.00
BOLINAS CA 94924 2 01/25/96
00
0380344268 05 03/01/96
0
0446096 O 02/01/26
0
1469953 369/728 F 157,200.00
ZZ
PAUL CLIFFORD R 360 156,988.34
1
1
6175 E JANICE WAY 8.000 1,153.48
65
7.750 1,153.48
245,000.00
SCOTTSDALE AZ 85254 2 12/19/95
00
0380341421 05 02/01/96
0
48826507 O 01/01/26
0
1469960 385/385 F 233,015.19
ZZ
QUINN STEPHEN D 322 232,433.98
1
1316 THOMPSON AVENUE 8.500 1,840.10
77
8.250 1,840.10
305,000.00
GLENDALE CA 91201 2 11/27/95
00
0435073 05 02/01/96
0
0435073 O 11/01/22
0
1469967 744/728 F 143,200.00
ZZ
ZEIGER PETER D 360 143,101.45
1
5182 SKYLARK DRIVE 7.875 1,038.30
80
7.625 1,038.30
179,000.00
HUNTINGTON BEAC CA 92649 1 01/11/96
00
0380348731 05 03/01/96
0
76122 O 02/01/26
0
1469987 748/748 F 219,200.00
ZZ
STEFANSKI REBECCA M 360 218,881.68
1
61 EVERDALE RD 7.625 1,551.49
80
7.375 1,551.49
274,000.00
RANDOLPH TOWNSH NJ 07869 1 12/29/95
00
7020795 05 02/01/96
0
7020795 O 01/01/26
0
1470060 736/728 F 352,800.00
ZZ
ALANIS JR FELIX 360 352,557.21
1
3057 DITCH ROAD 7.875 2,558.04
90
7.625 2,558.04
392,000.00
SIMI VALLEY CA 93063 1 01/24/96
10
0380348947 05 03/01/96
17
458350 O 02/01/26
0
1470067 356/728 F 220,000.00
ZZ
WALTON JERRY L 360 220,000.00
1
5862 SAN JUAN WAY 8.125 1,633.50
59
7.875 1,633.50
375,000.00
PLEASANTON CA 94566 5 02/01/96
00
0380361486 05 04/01/96
0
1
2335461 O 03/01/26
0
1470069 975/728 F 270,000.00
ZZ
LANAHAN DANIEL T 360 270,000.00
1
3501 LOCUST AVENUE 7.500 1,887.88
78
7.250 1,887.88
350,000.00
LONG BEACH CA 90807 2 02/01/96
00
0380347618 05 04/01/96
0
952759 O 03/01/26
0
1470101 624/728 F 490,000.00
ZZ
FLATHERS MICHAEL D 360 489,654.16
1
1077 EAST BROOK CIRCLE 7.750 3,510.42
74
7.500 3,510.42
665,000.00
ALPINE UT 84004 5 01/22/96
00
0380347352 05 03/01/96
0
67047850016 O 02/01/26
0
1470110 559/728 F 220,500.00
ZZ
GINGERY AARON L 360 220,344.37
1
1965 HELSINKI WAY 7.750 1,579.69
90
7.500 1,579.69
245,000.00
LIVERMORE CA 94550 2 01/30/96
01
0380345521 05 03/01/96
25
0433979 O 02/01/26
0
1470168 608/608 F 609,000.00
ZZ
KOMAREK JOHN G 360 608,149.62
1
330 COVERED BRIDGE ROAD 8.750 4,791.01
56
8.500 4,791.01
1,100,000.00
NEW HOPE PA 18938 2 01/26/96
00
0050012095 05 03/01/96
0
0050012095 O 02/01/26
0
1470272 E22/728 F 650,000.00
ZZ
FIELDS WILLIAM A 360 649,585.52
1
30482 GOLDEN RIDGE LANE 8.250 4,883.23
60
8.000 4,883.23
1,100,000.00
SAN JUAN CAPIST CA 92675 2 01/23/96
00
0410085765 03 03/01/96
0
0410085765 O 02/01/26
0
1
1470310 A50/A50 F 219,000.00
ZZ
FELDMAN KENNETH M 360 218,705.14
1
2615 OLD MILL WAY 8.000 1,606.94
80
7.750 1,606.94
273,750.00
STATEBORO GA 30458 1 12/29/95
00
13623 05 02/01/96
0
13623 O 01/01/26
0
1470319 E22/728 F 468,000.00
ZZ
FAIR ROBERT W 360 467,716.48
1
11952 SKY LANE 8.500 3,598.52
74
8.250 3,598.52
640,000.00
SANTA ANA AREA CA 92705 2 01/24/96
00
0410087316 05 03/01/96
0
0410087316 O 02/01/26
0
1470337 893/728 F 280,000.00
ZZ
KUDLER MITCHELL S 360 280,000.00
1
519 SKIFF CIRCLE 8.125 2,078.99
80
7.875 2,078.99
350,000.00
REDWOOD CITY CA 94065 2 02/01/96
00
0380347238 05 04/01/96
0
696195 O 03/01/26
0
1470349 976/728 F 568,000.00
ZZ
PARKER RICHARD A 360 567,655.90
1
430 SILVER GATE AVENUE 8.500 4,367.43
80
8.250 4,367.43
710,000.00
SAN DIEGO CA 92016 2 01/24/96
00
0380347345 05 03/01/96
0
743956832 O 02/01/26
0
1470352 776/728 F 242,600.00
BB
HENDRY PAUL A 360 242,445.31
1
1737 BARONET PLACE 8.250 1,822.57
89
8.000 1,822.57
275,000.00
FULLERTON CA 92633 2 01/24/96
11
0380343450 05 03/01/96
25
2427071 O 02/01/26
0
1470357 881/728 F 456,000.00
ZZ
LEISHER KENNETH R 360 455,709.22
1
369 EAST TWENTY SECOND STREET 8.250 3,425.78
80
8.000 3,425.78
570,000.00
1
COSTA MESA CA 92627 2 01/23/96
00
0380351966 05 03/01/96
0
103129 O 02/01/26
0
1470366 881/728 F 380,000.00
ZZ
JACOBS ROBERT 360 380,000.00
1
165 SANTA ELENA LANE 7.625 2,689.62
72
7.375 2,689.62
530,000.00
SANTA BARBARA CA 93108 1 02/01/96
00
0380348517 05 04/01/96
0
601992 O 03/01/26
0
1470384 457/728 F 511,000.00
ZZ
PLAPINGER KEITH D 360 510,665.73
1
25 JOY STREET 8.125 3,794.17
75
7.875 3,794.17
683,000.00
BOSTON MA 02114 2 01/25/96
00
0380349853 05 03/01/96
0
951312164 O 02/01/26
0
1470455 617/617 F 238,300.00
ZZ
HILEY JAMES S 360 237,395.60
1
3061 BROOK HIGHLAND DRIVE 8.375 1,811.26
90
8.125 1,811.26
264,800.00
BIRMINGHAM AL 35242 1 09/01/95
14
600969 03 10/01/95
25
600969 O 09/01/25
0
1470612 640/640 F 232,000.00
ZZ
ADAIR TAMMY R 360 230,488.84
1
1425 CEDAR RUN DRIVE 7.750 1,662.08
80
7.500 1,662.08
290,000.00
CORDOVA TN 38018 4 12/22/95
00
5612536 05 02/01/96
0
5612536 O 01/01/26
0
1470619 640/640 F 236,000.00
ZZ
BURKHALTER DONALD R 360 235,674.11
1
109 ANTLERS LANE 7.875 1,711.16
80
7.625 1,711.16
295,000.00
MADISON MS 39110 4 12/29/95
00
5632187 05 02/01/96
0
5632187 O 01/01/26
0
1
1470634 491/491 F 237,627.95
ZZ
CROWLEY JAMES D 346 237,166.66
1
178 GREVILLIA DRIVE 8.750 1,885.35
79
7.625 1,885.35
303,950.00
PETALUMA CA 94952 1 10/23/95
00
2651203 05 01/01/96
0
2651203 O 10/01/24
0
1470635 491/491 F 258,582.02
ZZ
DALEY BRUCE M 315 257,924.78
1
380 WALDO ROAD 8.625 2,076.07
74
7.625 2,076.07
350,000.00
CAMPBELL CA 95008 2 10/18/95
00
3087247 05 01/01/96
0
3087247 O 03/01/22
0
1470636 491/491 F 224,886.88
ZZ
HOOS JOHN 317 224,336.58
1
9242 RUBIO AVENUE 8.750 1,821.90
75
NORTH HILLS AREA 7.625 1,821.90
300,000.00
LOS ANGELES CA 91343 2 10/03/95
00
3146774 05 01/01/96
0
3146774 O 05/01/22
0
1470637 491/491 F 215,469.73
ZZ
RUSSELL DENISE L 314 215,069.86
1
442 AVENIDA DE LAS ROSAS 8.125 1,658.17
86
7.625 1,658.17
251,375.00
ENCINITAS CA 92024 1 11/13/95
14
3149927 05 02/01/96
17
3149927 O 03/01/22
0
1470638 491/491 F 212,045.95
ZZ
GROSS DONALD L 314 211,685.06
1
425-16 CAMILLE CIRCLE 8.625 1,703.88
86
7.625 1,703.88
247,435.00
SAN JOSE CA 95134 1 11/07/95
11
3151824 09 02/01/96
17
3151824 O 03/01/22
0
1470639 491/491 F 287,230.02
ZZ
SOMURI NARAYANA R 318 286,517.24
1
1
7731 EAST MARGARET DRIVE 8.625 2,300.36
74
7.625 2,300.36
390,000.00
ANAHEIM CA 92808 2 10/17/95
00
3245284 03 01/01/96
0
3245284 O 06/01/22
0
1470641 491/491 F 195,296.71
ZZ
TRAINA, JR CHARLES A 316 194,814.96
1
5109 GOLETA COURT 8.750 1,583.46
91
7.625 1,583.46
215,500.00
ANTIOCH CA 94509 1 10/05/95
11
3259323 05 01/01/96
22
3259323 O 04/01/22
0
1470642 491/491 F 239,812.01
ZZ
DILIBERTO MICHAEL 321 238,466.65
1
5034 NAGLE AVENUE 8.750 1,936.66
87
SHERMAN OAKS AREA 7.625 1,936.66
278,000.00
LOS ANGELES CA 91423 1 06/20/95
11
3276325 05 09/01/95
17
3276325 O 05/01/22
0
1470643 491/491 F 251,649.17
ZZ
WITT MICHAEL A 316 251,028.38
1
952 RODNEY DRIVE 8.750 2,040.37
77
7.625 2,040.37
329,950.00
SAN LEANDRO CA 94577 1 10/10/95
00
3340741 05 01/01/96
0
3340741 O 04/01/22
0
1470644 491/491 F 221,246.99
ZZ
SALFEN DION 341 220,789.28
1
32040 KINGSPARK COURT 8.625 1,741.69
71
7.625 1,741.69
313,000.00
WESTLAKE VILLAG CA 91361 2 10/11/95
00
3885101 03 01/01/96
0
3885101 O 05/01/24
0
1470645 491/491 F 197,025.38
ZZ
FOSTER DONALD J 299 195,362.65
1
23094 BOXWOOD COURT 10.000 1,791.72
85
7.625 1,791.72
232,990.00
WILDOMAR CA 92395 1 03/17/95
10
4373944 05 06/01/95
17
1
4373944 O 04/01/20
0
1470646 491/491 F 232,957.59
ZZ
ODFINA ZALDY P 299 232,284.02
1
285 SUMMERWIND DRIVE 8.625 1,897.30
76
7.625 1,897.30
308,915.00
MILPITAS CA 95035 1 10/23/95
00
4511298 05 01/01/96
0
4511298 O 11/01/20
0
1470647 491/491 F 283,951.38
ZZ
TEAGLE H H 299 282,018.76
1
1064 CATAMARAN COURT 9.500 2,482.91
85
7.625 2,482.91
334,726.00
COSTA MESA CA 92627 1 05/02/95
10
4511531 03 08/01/95
17
4511531 O 06/01/20
0
1470648 491/491 F 217,036.75
ZZ
ANTONIO BONIFACIOG 299 216,124.46
1
12267 BRANICOLE LANE 9.500 1,897.80
75
7.625 1,897.80
290,000.00
SAN DIEGO CA 92129 1 08/24/95
00
4633121 03 11/01/95
0
4633121 O 09/01/20
0
1470649 491/491 F 250,840.22
ZZ
AMELI SEAN S 298 250,166.55
1
1871 GREENFIELD AVE 201 9.125 2,130.29
86
7.625 2,130.29
295,000.00
LOS ANGELES CA 90025 1 10/25/95
14
4678443 01 01/01/96
17
4678443 O 10/01/20
0
1470650 491/491 F 195,796.73
ZZ
RICHARDSON BRIOR G 299 195,257.69
1
6422 PANEL COURT 9.125 1,662.58
85
7.625 1,662.58
232,000.00
SAN DIEGO CA 92122 1 10/30/95
14
4729081 05 01/01/96
17
4729081 O 11/01/20
0
1
1470651 491/491 F 257,576.65
ZZ
GOLD DAVID E 299 256,890.72
1
12373 HIGH GLEN WAY 9.125 2,185.57
75
7.625 2,185.57
346,174.00
LOS ANGELES CA 91326 1 10/30/95
00
4735455 05 01/01/96
0
4735455 O 11/01/20
0
1470652 491/491 F 267,886.02
ZZ
BRUMMETT ROBERT S 345 267,335.69
1
18309 SANTA STEPHANA CIRCLE 8.500 2,079.68
79
7.625 2,079.68
340,000.00
FOUNTAIN VALLEY CA 92708 1 10/16/95
00
4793692 03 01/01/96
0
4793692 O 09/01/24
0
1470653 491/491 F 198,118.16
ZZ
CLAYPOOL DONALD W 302 197,592.89
1
18112 CLEARWATER CIRCLE 9.000 1,659.67
75
7.625 1,659.67
265,000.00
HUNTINGTON BEAC CA 92648 1 10/16/95
00
4896548 05 01/01/96
0
4896548 O 02/01/21
0
1470654 491/491 F 217,359.91
ZZ
SCARPELLI ANTHONY S 310 216,784.15
1
7976 SIERRA VISTA 8.625 1,752.59
76
7.625 1,752.59
286,000.00
RANCHO CUCAMONG CA 91730 1 10/16/95
00
5411262 05 01/01/96
0
5411262 O 10/01/21
0
1470655 491/491 F 219,395.17
ZZ
OANES MARTIN F 313 218,840.67
1
1894 RANCHO HILLS DRIVE 8.750 1,783.25
86
7.625 1,783.25
255,900.00
CHINO HILLS CA 91709 1 10/06/95
04
5412196 05 01/01/96
17
5412196 O 01/01/22
0
1470656 491/491 F 197,006.31
ZZ
BABARAN AMBROSIO P 312 196,293.39
1
5309 KNOXVILLE AVENUE 8.625 1,585.73
86
7.625 1,585.73
230,100.00
1
LAKEWOOD CA 90713 1 10/17/95
12
5586291 05 01/01/96
17
5586291 O 12/01/21
0
1470659 491/491 F 122,560.14
ZZ
WU LIDO 316 121,855.85
1
3949 EAST CALIFORNIA BOULEVARD 9.625 1,068.63
11
7.625 1,068.63
1,175,000.00
PASADENA CA 91107 5 05/23/95
00
5935806 05 08/01/95
0
5935806 O 11/01/21
0
1470660 491/491 F 319,434.33
ZZ
HOFFMANN IRENE B 331 318,719.36
1
4059 LOS ALTOS DRIVE 8.625 2,532.55
61
7.625 2,532.55
530,000.00
PEBBLE BEACH CA 93953 5 10/16/95
00
7790422 05 01/01/96
0
7790422 O 07/01/23
0
1470661 491/491 F 249,902.00
ZZ
NAVANI PRAKASH R 330 249,338.23
1
4116 EAST TOWNSEND AVENUE 8.625 1,982.75
60
7.625 1,982.75
420,000.00
ORANGE CA 92667 2 10/16/95
00
7800762 03 01/01/96
0
7800762 O 06/01/23
0
1470662 491/491 F 248,814.26
ZZ
MAXSON MATTHEW W 317 248,191.87
1
1543 BELLEVILLE WAY 8.625 1,994.33
77
7.625 1,994.33
325,000.00
SUNNYVALE CA 94087 1 10/18/95
00
9456767 05 01/01/96
0
9456767 O 05/01/22
0
1470663 491/491 F 216,319.79
ZZ
GREEN BRIAN T 319 215,798.94
1
2709 SASHA CT 8.750 1,749.69
79
7.625 1,749.69
275,000.00
SIMI VALLEY CA 93063 2 10/20/95
00
9539387 05 01/01/96
0
9539387 O 07/01/22
0
1
1470664 491/491 F 213,848.06
ZZ
FERRER JOAQUIN B 326 213,372.31
1
12 LYCETT CIRCLE 8.875 1,739.00
73
7.625 1,739.00
295,000.00
DALY CITY CA 94015 5 10/02/95
00
9719776 05 01/01/96
0
9719776 O 02/01/23
0
1470665 491/491 F 292,986.66
ZZ
KERCKHOFF GEORGE W 324 292,309.00
1
37526 ROAD 274 8.750 2,360.61
78
7.625 2,360.61
380,000.00
BASS LAKE CA 93604 2 10/06/95
00
9785434 05 01/01/96
0
9785434 O 12/01/22
0
1470666 491/491 F 247,472.48
ZZ
OMORI GARY A 328 246,918.16
1
630 PAJARO STREET 8.750 1,987.92
78
7.625 1,987.92
320,000.00
SALINAS CA 93901 1 10/10/95
00
9865586 05 01/01/96
0
9865586 O 04/01/23
0
1470667 491/491 F 233,425.62
ZZ
MAXSON MARK J 330 232,899.03
1
2678 RAMSDELL PLACE 8.625 1,852.02
88
7.625 1,852.02
267,799.00
SAN JOSE CA 95148 1 10/19/95
11
9919694 05 01/01/96
17
9919694 O 06/01/23
0
1470788 575/728 F 269,700.00
ZZ
KELLY MICHAEL P 360 269,318.07
1
3 HONEYSTONE COURT 7.750 1,932.16
80
7.500 1,932.16
337,145.00
BROOKEVILLE MD 20833 1 12/22/95
00
0380326836 03 02/01/96
0
433008420 O 01/01/26
0
1470926 450/728 F 252,000.00
ZZ
GOULD GEORGE P 360 251,643.13
1
1
1099 CHINO CANYON ROAD 7.750 1,805.36
80
7.500 1,805.36
315,000.00
PALM SPRINGS CA 92262 1 12/22/95
00
0380342981 05 02/01/96
0
3963220 O 01/01/26
0
1470950 976/728 F 294,000.00
ZZ
MCDONOUGH TERRY L 360 293,404.23
1
11047 NORTH 52ND STREET 8.000 2,157.27
95
7.750 2,157.27
309,500.00
PHOENIX AZ 85254 1 11/22/95
04
0380347105 05 01/01/96
30
643929 O 12/01/25
0
1470952 559/728 F 203,300.00
ZZ
MILANI BEHROUZ 360 203,300.00
1
39063 YOSEMITE WAY 8.375 1,545.23
95
8.125 1,545.23
214,000.00
FREMONT CA 94538 2 02/01/96
11
0380345489 05 04/01/96
30
0444695 O 03/01/26
0
1470953 976/728 F 299,800.00
ZZ
TAUBER STANLEY M 360 299,603.89
1
4358 NOGALES DRIVE 8.125 2,226.01
69
TARZANA AREA 7.875 2,226.01
440,000.00
LOS ANGELES CA 91356 2 01/31/96
00
0380348442 05 03/01/96
0
768690838 O 02/01/26
0
1470955 559/728 F 184,000.00
ZZ
MANCINELLI RICHARD T 360 184,000.00
1
21 KRONA COURT 7.500 1,286.56
80
7.250 1,286.56
230,000.00
CONCORD CA 94521 1 02/01/96
00
0380348400 05 04/01/96
0
0450650 O 03/01/26
0
1470987 A62/728 F 245,500.00
ZZ
FAULBAUM RONALD J 360 245,500.00
1
16238 LONE CABIN DRIVE 7.750 1,758.79
88
7.500 1,758.79
280,000.00
CHESTERFIELD MO 63005 2 02/02/96
11
0380331059 05 04/01/96
25
1
1470987 O 03/01/26
0
1471067 893/728 F 212,000.00
ZZ
GROOVER JOSEPH K 360 212,000.00
1
113 HOP RANCH ROAD 7.750 1,518.79
80
7.500 1,518.79
265,000.00
SANTA ROSA CA 95403 1 02/12/96
00
0380362286 03 04/01/96
0
67196 O 03/01/26
0
1471087 744/728 F 650,000.00
ZZ
CASSEL JOEL A 360 649,616.25
1
4623 ENCINO AVENUE 8.625 5,055.63
77
ENCINO AREA 8.375 5,055.63
850,000.00
LOS ANGELES CA 91316 2 01/10/96
00
0380348137 05 03/01/96
0
76003 O 02/01/26
0
1471099 776/728 F 280,000.00
T
GISH ANN 360 279,821.45
1
25663 BUCKHORN DRIVE 8.250 2,103.55
80
8.000 2,103.55
350,000.00
CALABASAS AREA CA 91302 1 01/05/96
00
0380357724 05 03/01/96
0
1121692 O 02/01/26
0
1471134 076/076 F 248,900.00
ZZ
WILSON JR RICHARD W 360 248,420.59
1
633 SUNSET HILL LANE 8.250 1,869.90
95
8.000 1,869.90
262,000.00
ROCKWALL TX 75087 1 11/28/95
12
5038472 05 01/01/96
30
5038472 O 12/01/25
0
1471203 976/728 F 240,900.00
ZZ
JOHNS SCOTT T 360 240,750.26
1
6605 VIREO COURT 8.375 1,831.02
80
8.125 1,831.02
301,186.00
CARLSBAD CA 92009 1 01/25/96
00
0380347592 03 03/01/96
0
743913832 O 02/01/26
0
1
1471219 976/728 F 248,000.00
ZZ
WALSH PETER 360 247,829.32
1
8727 EAST LARIAT LANE 7.875 1,798.18
80
7.625 1,798.18
310,155.00
SCOTTSDALE AZ 85255 1 01/30/96
00
0380359969 03 03/01/96
0
749728 O 02/01/26
0
1471277 232/232 F 47,900.00
T
BORTLES CONNIE 360 47,841.76
1
2245 SIDEWINDER DRIVE #601 8.500 368.31
80
8.250 368.31
59,900.00
PARK CITY UT 84060 1 01/03/96
00
11007107 01 02/01/96
0
11007107 O 01/01/26
0
1471281 822/728 F 311,400.00
ZZ
CASE JR JOHN G 360 311,180.21
1
30 NARBROOK PARK 7.750 2,230.91
90
7.500 2,230.91
346,000.00
NARBERTH PA 19072 2 12/29/95
12
0380325648 05 03/01/96
25
0136060781 O 02/01/26
0
1471316 A89/A89 F 334,943.10
ZZ
PISCOPO MARK F 320 321,285.64
1
59 MCINTOSH LANE 8.500 2,649.34
81
7.580 2,649.34
415,000.00
BEDFORD NH 03102 4 09/30/92
96
60001576 05 12/01/92
0
60001576 O 07/01/19
0
1471371 670/728 F 280,000.00
ZZ
BARARI FRED S 360 279,500.50
1
1941 HAMILTON AVENUE 8.625 2,177.81
62
8.375 2,177.81
455,000.00
SAN JOSE CA 95125 5 11/22/95
00
0380365172 05 01/01/96
0
1566307 O 12/01/25
0
1471571 670/728 F 252,000.00
ZZ
MARKLEY DAVID J 360 251,669.18
1
511 RAYMOND STREET 8.125 1,871.10
90
7.875 1,871.10
280,000.00
1
ROCKVILLE CENTR NY 11570 1 12/21/95
04
0380336389 05 02/01/96
25
34025707 O 01/01/26
0
1471683 076/076 F 308,550.00
ZZ
FLORES VICTOR H 360 307,692.24
1
2505 CANYON RIDGE COURT 7.875 2,237.20
90
7.625 2,237.20
342,845.00
ARLINGTON TX 76006 1 10/24/95
04
498552 05 12/01/95
25
498552 O 11/01/25
0
1471693 299/728 F 205,800.00
ZZ
BRANNOCK JEFFREY B 360 205,213.32
1
STATE ROUTE 704 7.750 1,474.38
71
7.500 1,474.38
290,000.00
LEESBURG VA 22075 1 10/06/95
14
0380339219 05 12/01/95
12
257055 O 11/01/25
0
1471702 B47/728 F 375,000.00
ZZ
WEISSENBACH JOHN 360 375,000.00
1
824 INGELSIDE PLACE 7.875 2,719.01
75
7.625 2,719.01
501,000.00
EVANSTON IL 60201 5 02/14/96
00
0380345091 05 04/01/96
0
1471702 O 03/01/26
0
1471718 069/728 F 387,900.00
ZZ
LAUBSCHER BARRY R 360 387,403.58
1
34 BARNEBURG 8.250 2,914.17
80
8.000 2,914.17
484,890.00
DOVE CANYON ARE CA 92679 1 12/08/95
00
0380342346 03 02/01/96
0
2362071124 O 01/01/26
0
1471783 936/728 F 294,300.00
ZZ
O'LEARY ROBERT F 360 294,121.70
1
811 CUMBERLAND ROAD 8.500 2,262.92
90
8.250 2,262.92
327,000.00
GLENDALE CA 91202 1 01/10/96
11
0380342460 05 03/01/96
25
6010417 O 02/01/26
0
1
1471800 A73/728 F 351,000.00
ZZ
LEE JOE H 360 350,764.49
1
9817 NORTH TEA PARTY LANE 8.000 2,575.51
78
7.750 2,575.51
450,000.00
FRESNO CA 93720 2 01/15/96
00
0380343138 05 03/01/96
0
0552541236 O 02/01/26
0
1471859 668/728 F 294,000.00
ZZ
MAIN EMMETT E 360 293,594.01
1
2929 CAMINO DEL RIO 7.875 2,131.71
80
7.625 2,131.71
367,500.00
BULLHEAD CITY AZ 86442 1 12/26/95
00
0380371121 05 02/01/96
0
6260152 O 01/01/26
0
1471915 E61/728 F 280,000.00
ZZ
PAYSINGER EARL C 360 279,816.84
1
6317 EAST COLORADO STREET 8.125 2,078.99
80
7.875 2,078.99
350,000.00
LONG BEACH CA 90803 2 01/30/96
00
0380350059 05 03/01/96
0
10988 O 02/01/26
0
1471923 B57/728 F 412,500.00
ZZ
DE BEER LEOPOLD 360 412,500.00
1
3028 PAULCREST DRIVE 7.625 2,919.65
75
7.375 2,919.65
550,000.00
LOS ANGELES CA 90064 1 02/02/96
00
0380343492 05 04/01/96
0
9620023 O 03/01/26
0
1471939 975/728 F 380,000.00
ZZ
MARQUEZ PAUL 360 380,000.00
1
3404 FRYMAN ROAD 7.750 2,722.37
62
STUDIO CITY AREA 7.500 2,722.37
620,000.00
LOS ANGELES CA 91604 5 02/01/96
00
0380347295 05 04/01/96
0
960232 O 03/01/26
0
1471940 668/728 F 161,250.00
ZZ
MOORE MARCELLA M 360 161,043.64
1
1
1002 WEST CLAREMONT STREET 8.250 1,211.42
75
8.000 1,211.42
215,000.00
PHOENIX AZ 85013 1 12/28/95
00
0380344821 05 02/01/96
0
6263214 O 01/01/26
0
1471950 975/728 F 500,000.00
ZZ
AU-YOUNG MAN 360 500,000.00
1
2390 RIDGEWAY ROAD 8.250 3,756.33
56
8.000 3,756.33
900,000.00
SAN MARINO CA 91108 2 02/08/96
00
0380348574 05 04/01/96
0
962072 O 03/01/26
0
1472037 232/232 F 285,000.00
ZZ
ASTER KAREL 360 284,822.85
1
16801 CAPTIVA DRIVE 8.375 2,166.21
29
8.125 2,166.21
1,000,000.00
CAPTIVA FL 33924 2 01/19/96
00
414054 05 03/01/96
0
414054 O 02/01/26
0
1472091 405/405 F 202,800.00
ZZ
OZ EYAL 360 202,559.67
1
8356 WEST 4TH STREET 8.625 1,577.36
66
8.375 1,577.36
310,000.00
LOS ANGELES CA 90048 2 12/07/95
00
3815305 05 02/01/96
0
3815305 O 01/01/26
0
1472092 405/405 F 118,000.00
ZZ
FINNELL DONNA L 360 117,800.45
1
11 CUESTA LANE 8.375 896.89
75
8.125 896.89
158,500.00
SANTA FE NM 87505 1 12/12/95
00
3819281 03 02/01/96
0
3819281 O 01/01/26
0
1472093 405/405 F 94,500.00
ZZ
LAYRAC PAUL 360 94,369.49
1
413 WEST BUENA VISTA 7.875 685.20
75
7.625 685.20
126,000.00
SANTA FE NM 87501 1 12/12/95
00
3819794 05 02/01/96
0
1
3819794 O 01/01/26
0
1472094 405/405 F 386,000.00
ZZ
YEE MICHAEL W 360 385,506.03
1
1144 CORTEZ AVENUE 8.250 2,899.89
66
8.000 2,899.89
590,000.00
BURLINGAME CA 94010 2 12/05/95
00
3821345 05 02/01/96
0
3821345 O 01/01/26
0
1472095 405/405 F 679,000.00
ZZ
FINKELTUB ELIAHU 360 678,062.35
1
3110 STONE OAK DR 7.875 4,923.23
70
7.625 4,923.23
970,000.00
LOS ANGELES CA 90049 1 12/08/95
00
3825312 05 02/01/96
0
3825312 O 01/01/26
0
1472136 638/728 F 445,360.00
ZZ
LEMONS THOMAS E 360 444,182.79
1
187 HEATHER LANE 8.125 3,306.79
55
7.875 3,306.79
815,000.00
ASPEN CO 81611 1 11/01/95
00
0380363763 05 12/01/95
0
8512500 O 11/01/25
0
1472152 664/728 F 220,800.00
ZZ
FREY DAVID J 360 220,510.14
1
3968 EL LADO DRIVE 8.125 1,639.44
80
7.875 1,639.44
276,000.00
GLENDALE CA 91214 1 12/18/95
00
0380344631 05 02/01/96
0
2063097 O 01/01/26
0
1472153 808/728 F 241,600.00
ZZ
SAEED REHAN 360 241,420.69
1
20873 E WALNUT CANYON ROAD 7.500 1,689.31
80
7.250 1,689.31
302,000.00
WALNUT CA 91789 1 01/18/96
00
0380346685 05 03/01/96
0
3100472 O 02/01/26
0
1
1472157 369/728 F 335,250.00
ZZ
ORLANDO JOSEPH 360 334,553.14
1
5 SPRING KNOLL COURT 7.875 2,430.80
90
7.625 2,430.80
372,500.00
LUTHERVILLE MD 21093 1 12/01/95
11
0380339425 03 01/01/96
25
48297170 O 12/01/25
0
1472212 227/728 F 330,000.00
ZZ
COKER TROY S 360 329,331.27
1
2535 E KENTUCKY 8.000 2,421.43
72
7.750 2,421.43
460,000.00
DENVER CO 80209 5 11/03/95
00
0380344714 05 01/01/96
0
1588267 O 12/01/25
0
1472249 B43/728 F 153,750.00
ZZ
MANDRY CHARLES E 360 153,750.00
1
11225 HOWELLS ROAD 8.500 1,182.21
75
8.250 1,182.21
205,000.00
COLORADO SPRING CO 80908 2 02/16/96
00
0380370933 05 04/01/96
0
1472249 O 03/01/26
0
1472252 232/232 F 81,900.00
T
DUNLAP ROBERT P 360 81,847.77
1
1385 LOWELL AVENUE #215 8.250 615.29
70
8.000 615.29
117,000.00
PARK CITY UT 84060 1 01/19/96
00
11007521 01 03/01/96
0
11007521 O 02/01/26
0
1472267 638/728 F 213,750.00
ZZ
LACEY ROGER H 360 213,617.15
1
3018 WEST AVENUE 8.375 1,624.65
95
8.125 1,624.65
225,000.00
AUSTIN TX 78705 1 01/12/96
01
0380352048 05 03/01/96
30
8537693 O 02/01/26
0
1472341 814/728 F 239,300.00
ZZ
POSADAS JR CONRADO 360 239,300.00
1
614 ALEXIS CIRCLE 7.375 1,652.79
90
7.125 1,652.79
265,900.00
1
DALY CITY CA 94014 1 02/13/96
04
0380355843 05 04/01/96
25
0809509084 O 03/01/26
0
1472369 776/728 F 236,000.00
ZZ
CODEY CURTIS C 360 236,000.00
1
2794 TAHOE DRIVE 8.125 1,752.30
80
7.875 1,752.30
295,000.00
LIVERMORE CA 94550 1 02/06/96
00
0380352014 05 04/01/96
0
6227562 O 03/01/26
0
1472442 637/728 F 249,250.00
ZZ
NUTTON DOUGLAS A 360 249,069.60
1
50 PINE ISLE COURT 7.625 1,764.18
90
7.375 1,764.18
276,980.00
HENDERSON NV 89014 1 01/11/96
04
0380341447 03 03/01/96
30
4783486 O 02/01/26
0
1472448 744/728 F 335,600.00
ZZ
MCGUIRK KEVIN S 360 335,202.31
1
580 CLIPPER HILL ROAD 8.625 2,610.26
80
8.375 2,610.26
419,500.00
DANVILLE CA 94526 1 12/13/95
00
0380363847 05 02/01/96
0
75930 O 01/01/26
0
1472457 069/728 F 378,000.00
ZZ
MARSHALL PAMELA J 360 377,478.01
1
4911 ODESSA AVENUE 7.875 2,740.77
90
ENCINO AREA 7.625 2,740.77
420,000.00
LOS ANGELES CA 91436 2 12/20/95
14
0380339177 05 02/01/96
17
2102041010 O 01/01/26
0
1472465 564/728 F 279,000.00
ZZ
ERNST MICHAEL G 360 278,604.87
1
HCR-33 BOX 3191 7.750 1,998.80
59
7.500 1,998.80
475,000.00
MOUNTAIN SPRING NV 89124 5 12/19/95
00
0380343666 05 02/01/96
0
5000127695 O 01/01/26
0
1
1472468 776/728 F 496,000.00
ZZ
PATEL MAHEN K 360 495,649.92
1
2178 SHADOW RIDGE WAY 7.750 3,553.41
80
7.500 3,553.41
620,000.00
SAN JOSE CA 95138 1 01/18/96
00
0380346644 05 03/01/96
0
6228032 O 02/01/26
0
1472492 003/728 F 395,100.00
ZZ
GRAVES ROBERT W 360 394,526.24
1
250 SOUTHERN HILL DRIVE 7.625 2,796.50
90
7.375 2,796.50
439,000.00
DULUTH GA 30136 1 12/29/95
12
0380343039 05 02/01/96
25
3632676 O 01/01/26
0
1472527 076/076 F 488,000.00
ZZ
MASSIE ANSON P 360 487,060.03
1
834 CORRIENTE POINTE DRIVE 8.250 3,666.18
80
8.000 3,666.18
610,000.00
REDWOOD CITY CA 94065 1 11/15/95
00
5049402 03 01/01/96
0
5049402 O 12/01/25
0
1472536 975/728 F 273,600.00
ZZ
HUANG HEY-YAO 360 273,600.00
1
1143 DANBURY DRIVE 7.875 1,983.79
80
7.625 1,983.79
342,000.00
SAN JOSE CA 95129 1 02/07/96
00
0380363771 05 04/01/96
0
960286 O 03/01/26
0
1472602 450/728 F 331,200.00
ZZ
TAY SING P 360 330,966.24
1
45970 TISSIACK PLACE 7.750 2,372.76
80
7.500 2,372.76
414,000.00
FREMONT CA 94539 1 01/03/96
00
0380343187 05 03/01/96
0
3962586 O 02/01/26
0
1472611 721/728 F 336,700.00
ZZ
SCHINDLER PAUL S 360 336,462.36
1
1
2434 SEMINOLE COURT 7.750 2,412.16
80
7.500 2,412.16
421,490.00
RIVERWOODS IL 60015 1 01/22/96
00
0380351032 05 03/01/96
0
NA O 02/01/26
0
1472649 814/728 F 120,400.00
ZZ
ROSE ANGELO 360 120,317.14
1
913 ROSE BUD COURT 7.875 872.99
80
7.625 872.99
150,500.00
SANTA ROSA CA 95407 2 01/22/96
00
0380340506 05 03/01/96
0
809601031 O 02/01/26
0
1472657 E19/728 F 256,500.00
ZZ
MARLATT ZAN A 360 256,327.89
1
10757 CLEVELAND AVENUE 8.000 1,882.11
90
7.750 1,882.11
285,000.00
RIVERSIDE CA 92503 2 01/20/96
11
0380330093 05 03/01/96
25
3445 O 02/01/26
0
1472660 E19/728 F 276,000.00
ZZ
MARTINEZ MARTIN J 360 275,824.00
1
2018 PASEO LARO 8.250 2,073.50
90
8.000 2,073.50
307,000.00
SAN CLEMENTE CA 92673 2 01/17/96
04
0380330036 01 03/01/96
25
4414 O 02/01/26
0
1472711 B43/728 F 650,000.00
ZZ
BAVINGTON RONALD J 360 650,000.00
1
345 EAST DESERT INN ROAD 8.375 4,940.47
80
8.125 4,940.47
820,000.00
LAS VEGAS NV 89109 2 02/08/96
00
0380341702 05 04/01/96
0
1472711 O 03/01/26
0
1472730 227/728 F 270,000.00
ZZ
KORETZKY MARY A 360 269,321.64
1
114 SPENCER ROAD 8.375 2,052.20
75
8.125 2,052.20
360,000.00
WASHINGTON CROS PA 18977 5 10/26/95
00
0380344706 05 12/01/95
0
1
1616705 O 11/01/25
0
1472780 450/728 F 626,000.00
ZZ
LEE RANDALL J 360 625,590.51
1
80 DOWNEY WAY 8.125 4,648.03
70
7.875 4,648.03
895,000.00
HILLSBOROUGH CA 94010 2 01/08/96
00
0380343260 05 03/01/96
0
3964194 O 02/01/26
0
1472790 731/728 F 416,000.00
ZZ
HOPPING MARTIN J 360 416,000.00
1
27 LARKFIELD LANE 7.625 2,944.42
80
7.375 2,944.42
520,000.00
LAGUNA NIGUEL CA 92677 1 02/02/96
00
0380354465 03 04/01/96
0
411510418 O 03/01/26
0
1472793 450/728 F 220,000.00
ZZ
HENDRIX MARY R 360 219,856.09
1
19735 OAKMONT DRIVE 8.125 1,633.49
75
7.875 1,633.49
294,000.00
LOS GATOS CA 95030 2 01/04/96
00
0380343625 05 03/01/96
0
3964301 O 02/01/26
0
1472797 450/728 F 230,500.00
ZZ
WATTS WILLIAM N 360 230,349.22
1
1860 RANCHO GRANDE DRIVE 8.125 1,711.46
74
7.875 1,711.46
312,000.00
COVINA CA 91724 2 01/05/96
00
0380342106 05 03/01/96
0
3964095 O 02/01/26
0
1472820 526/728 F 352,400.00
ZZ
MANNHEIMER MARSHALL D 360 351,021.87
1
16626 NORTH 61ST WAY 9.000 2,835.49
80
8.750 2,835.49
440,500.00
SCOTTSDALE AZ 85254 1 08/01/95
00
0380341728 05 09/01/95
0
0081510 O 08/01/25
0
1
1472902 976/728 F 230,633.16
ZZ
HOGUE DANIEL C 330 230,136.40
1
2043 SEQUOIA STREET 8.875 1,870.09
85
8.625 1,870.09
274,000.00
SAN MARCOS CA 92069 1 10/04/95
04
0380344599 05 01/01/96
17
925287 O 06/01/23
0
1472903 976/728 F 117,139.61
ZZ
DUNN PATSY S 323 116,872.57
1
564 CANYON COURT 8.875 954.70
69
8.625 954.70
170,000.00
PATTERSON CA 95363 2 10/05/95
00
0380341439 05 01/01/96
0
864559 O 11/01/22
0
1472904 776/728 F 262,500.00
ZZ
WOOD LARRY 360 261,981.35
1
6464 SCOTTS VALLEY DRIVE 8.125 1,949.06
78
7.875 1,949.06
340,000.00
SCOTTS VALLEY CA 95066 2 11/28/95
00
0380345562 05 01/01/96
0
6225405 O 12/01/25
0
1472907 550/550 F 645,000.00
ZZ
LOVI ALEX 360 644,556.11
1
222 SOUTH ROXBURY DRIVE 7.875 4,676.70
62
7.625 4,676.70
1,045,000.00
BEVERLY HILLS CA 90212 1 01/25/96
00
120187641 05 03/01/96
0
120187641 O 02/01/26
0
1472911 313/728 F 244,000.00
ZZ
MURPHY GARY J 360 243,823.40
1
1635 NW CAXTON COURT 7.625 1,727.02
80
7.375 1,727.02
305,000.00
PORTLAND OR 97229 2 01/19/96
00
0380343484 03 03/01/96
0
6004345 O 02/01/26
0
1472914 B74/728 F 400,000.00
ZZ
MEGERDICHIAN LARISE K 360 399,744.93
1
3710 GLENRIDGE DRIVE 8.250 3,005.07
80
SHERMAN OAKS AREA 8.000 3,005.07
500,000.00
1
LOS ANGELES CA 91423 1 01/18/96
00
0380343633 05 03/01/96
0
960040 O 02/01/26
0
1472941 E22/728 F 190,000.00
ZZ
REICHARDT VAL G 360 189,869.25
1
14707 HESBY STREET 7.875 1,377.63
68
7.625 1,377.63
280,000.00
LOS ANGELES CA 91403 2 01/09/96
00
0410052609 05 03/01/96
0
0410052609 O 02/01/26
0
1472947 232/232 F 276,950.00
ZZ
THORSEN JAMES R 360 276,768.83
1
7423 STANDING BOY ROAD 8.125 2,056.35
80
7.875 2,056.35
346,200.00
COLUMBUS GA 31904 1 01/26/96
00
285604 05 03/01/96
0
285604 O 02/01/26
0
1472962 144/144 F 262,500.00
ZZ
BEAUMAN JAMES R 360 261,857.11
1
98 LANDING LANE 8.500 2,018.40
77
8.250 2,018.40
341,475.00
RIVERHEAD NY 11993 4 10/30/95
00
160576538 05 12/01/95
0
160576538 O 11/01/25
0
1472980 369/728 F 318,600.00
ZZ
GILBERT DAVID A 360 318,386.22
1
6324 DARING PRINCE WAY 8.000 2,337.78
87
7.750 2,337.78
370,000.00
COLUMBIA MD 21044 2 01/22/96
10
0380343930 05 03/01/96
25
48872162 O 02/01/26
0
1472983 377/728 F 400,000.00
ZZ
MALONEY GERALD P 360 399,731.61
1
275 PARKVIEW AVENUE 8.000 2,935.06
74
7.750 2,935.06
545,000.00
BEXLEY OH 43209 2 01/25/96
00
0380344102 05 03/01/96
0
4621686 O 02/01/26
0
1
1472988 E58/728 F 276,300.00
ZZ
ROGERS MARK J 360 276,109.85
1
8516 HARVEST OAK DRIVE 7.875 2,003.37
95
7.625 2,003.37
290,890.00
VIENNA VA 22182 1 01/10/96
10
0380348228 09 03/01/96
30
8653115 O 02/01/26
0
1473030 976/728 F 467,500.00
ZZ
WHITE ROBERT E 360 467,500.00
1
301 LAVERNE AVENUE 8.625 3,636.17
70
8.375 3,636.17
668,000.00
MILL VALLEY CA 94941 2 02/06/96
00
0380362179 05 04/01/96
0
757235 O 03/01/26
0
1473033 975/728 F 248,000.00
ZZ
LOU PIN 360 248,000.00
1
20024 WAYNE AVENUE 8.125 1,841.39
80
7.875 1,841.39
310,000.00
TORRANCE CA 90503 2 02/14/96
00
0380363888 05 04/01/96
0
960249 O 03/01/26
0
1473034 975/728 F 241,500.00
ZZ
ZHOU ZHI M 360 241,500.00
1
587 HUNTINGTON DRIVE 7.500 1,688.60
75
7.250 1,688.60
322,000.00
SAN MARINO CA 91108 1 02/14/96
00
0380363912 05 04/01/96
0
960351 O 03/01/26
0
1473053 765/728 F 261,250.00
ZZ
SMITH DENVER 360 261,250.00
1
1804 EL DORADO DRIVE 7.750 1,871.63
95
7.500 1,871.63
275,000.00
ACTION (AREA) CA 93510 1 02/13/96
10
0380349572 03 04/01/96
30
312492 O 03/01/26
0
1473091 450/728 F 315,000.00
ZZ
KROMASH KENNETH 360 314,793.94
1
1
1911 NORTH BISSELL STREET 8.125 2,338.87
75
7.875 2,338.87
420,250.00
CHICAGO IL 60614 1 01/05/96
00
0380344698 05 03/01/96
0
3989951 O 02/01/26
0
1473097 450/728 F 261,000.00
ZZ
LERNER YAKOV M 360 260,841.89
1
824 LURLINE DRIVE 8.500 2,006.86
80
8.250 2,006.86
329,000.00
FOSTER CITY CA 94404 2 12/29/95
00
0380344425 05 03/01/96
0
3963725 O 02/01/26
0
1473115 253/253 F 307,900.00
ZZ
ZIMMERMAN DENNIS M 360 307,291.67
1
10343 OAK RIDGE DRIVE 8.125 2,286.15
80
7.875 2,286.15
384,900.00
ZIONSVILLE IN 46077 1 11/30/95
00
311258 05 01/01/96
0
311258 O 12/01/25
0
1473116 664/728 F 280,000.00
ZZ
BURNS DENNIS R 360 279,668.17
1
41371 WHITECREST COURT 8.625 2,177.82
80
8.375 2,177.82
350,000.00
FREMONT CA 94538 1 12/07/95
00
0380343336 05 02/01/96
0
2018463 O 01/01/26
0
1473122 736/728 F 337,500.00
ZZ
SANCHEZ OCTAVIO 360 337,267.73
1
1025 ACERO STREET 7.875 2,447.11
90
7.625 2,447.11
375,000.00
CHULA VISTA CA 91910 1 01/23/96
01
0380343864 05 03/01/96
25
456777 O 02/01/26
0
1473130 736/728 F 215,000.00
ZZ
HARRIS DEBORAH M 360 214,840.44
1
6748 SNAKE ROAD 7.500 1,503.31
75
7.250 1,503.31
290,000.00
OAKLAND CA 94611 2 01/18/96
00
0380341405 05 03/01/96
0
1
444333 O 02/01/26
0
1473131 736/728 F 270,000.00
ZZ
WONG-YU FLORENCE H 360 269,809.44
1
164 WEST MAGNA VISTA AVENUE 7.750 1,934.31
80
7.500 1,934.31
340,000.00
ARCADIA CA 91007 2 01/10/96
00
0380340647 05 03/01/96
0
457593 O 02/01/26
0
1473138 069/728 F 455,350.00
ZZ
FAIR JR LEE A 360 454,721.19
1
1600 CHARLES LAM COURT 7.875 3,301.61
78
7.625 3,301.61
585,000.00
LAS VEGAS NV 89117 2 12/20/95
00
0380342197 05 02/01/96
0
2352071744 O 01/01/26
0
1473231 670/728 F 289,750.00
ZZ
ROTHSTEIN ROBERT W 360 289,560.46
1
30 ENGLEWOOD ROAD 8.125 2,151.39
94
7.875 2,151.39
310,000.00
LONGMEADOW MA 01106 1 01/16/96
11
0380336967 05 03/01/96
30
34080091 O 02/01/26
0
1473278 670/728 F 90,000.00
ZZ
LENZI LAWRENCE T 360 89,944.06
1
573 LAFAYETTE BOULEVARD 8.375 684.07
60
8.125 684.07
150,000.00
LONG BEACH NY 11561 5 01/12/96
00
0380336371 05 03/01/96
0
34023046 O 02/01/26
0
1473289 163/728 F 352,000.00
ZZ
SKILLICORN CRAIG P 360 351,513.93
1
29095 N 111TH STREET 7.875 2,552.24
90
7.625 2,552.24
392,977.00
SCOTTSDALE AZ 85262 4 12/27/95
14
0380351255 05 02/01/96
25
215066444 O 01/01/26
0
1
1473319 E13/728 F 537,000.00
ZZ
DISKIN, JR EUGENE F 360 537,000.00
1
3238 COUNTRY ROSE CIRCLE 7.625 3,800.85
66
7.375 3,800.85
825,000.00
ENCINITAS CA 92024 2 02/12/96
00
0380355140 03 04/01/96
0
9510187 O 03/01/26
0
1473320 A26/728 F 325,000.00
ZZ
DICOSTANZO ANDREA 360 324,776.33
1
437 MAYFAIR DRIVE SOUTH 7.875 2,356.48
77
7.625 2,356.48
425,000.00
BROOKLYN NY 11234 1 01/25/96
00
0380342437 05 03/01/96
0
6653 O 02/01/26
0
1473334 601/728 F 400,000.00
ZZ
ROSAEN NILS N 360 399,738.34
1
7797 BROOKSIDE 8.125 2,969.99
80
7.875 2,969.99
500,000.00
DEXTER MI 48130 1 01/12/96
00
0380342783 05 03/01/96
0
NA O 02/01/26
0
1473352 450/728 F 241,500.00
ZZ
WATT PHILIP C 360 241,349.90
1
211 GREGG DRIVE 8.375 1,835.57
84
8.125 1,835.57
290,000.00
LOS GATOS CA 95032 2 01/04/96
10
0380346107 05 03/01/96
12
3964046 O 02/01/26
0
1473366 626/728 F 331,000.00
ZZ
DE CAPRIO JR ALBERT M 360 330,788.93
1
104 PESTLE COURT 8.250 2,486.70
80
8.000 2,486.70
415,000.00
FOLSOM CA 95630 2 01/11/96
00
0380342031 05 03/01/96
0
6564876 O 02/01/26
0
1473367 776/728 F 270,550.00
ZZ
CLINESMITH, III EUGENE D 360 270,354.18
1
671 HAMPDEN PLACE 7.625 1,914.94
90
PACIFIC PALISADES AREA 7.375 1,914.94
301,000.00
1
LOS ANGELES CA 90272 1 01/19/96
14
0380343567 05 03/01/96
25
1126387 O 02/01/26
0
1473368 948/728 F 252,000.00
ZZ
LUCAS MICHAEL R 360 252,000.00
1
14265 VIA CONTENTO COURT 7.375 1,740.51
80
7.125 1,740.51
315,000.00
RENO NV 89511 1 02/08/96
00
0380348285 03 04/01/96
0
17923 O 03/01/26
0
1473374 776/728 F 208,000.00
ZZ
HOAL EDWARD A 360 207,867.37
1
3031 BOLLATE LANE 8.250 1,562.63
80
8.000 1,562.63
260,000.00
DAVIS CA 95616 2 01/18/96
00
0380351982 05 03/01/96
0
2326784 O 02/01/26
0
1473378 776/728 F 156,000.00
ZZ
FORSBERG ROBB B 360 155,897.95
1
4581 BURNT OAK DRIVE 8.125 1,158.30
80
7.875 1,158.30
195,000.00
PALCERVILLE CA 95667 1 01/23/96
00
0380342007 05 03/01/96
0
2327684 O 02/01/26
0
1473379 626/728 F 412,000.00
ZZ
FELTON DONALD G 360 411,723.55
1
829 PICCADILLY CIRCLE 8.000 3,023.12
80
7.750 3,023.12
515,000.00
SACRAMENTO CA 95864 1 01/17/96
00
0380341132 05 03/01/96
0
6558076 O 02/01/26
0
1473383 267/267 F 315,000.00
ZZ
LIBERATO MIGUEL A 360 314,799.14
1
5516 EAU CLAIRE DRIVE 8.250 2,366.49
79
8.000 2,366.49
400,000.00
RANCHO PALOS VE CA 90275 5 01/09/96
00
4390172 05 03/01/96
0
4390172 O 02/01/26
0
1
1473408 731/728 F 81,000.00
ZZ
JONES CAROLYN L 360 80,948.35
1
7337 HEATHER TREE DRIVE 8.250 608.53
78
8.000 608.53
104,000.00
SACRAMENTO CA 95842 2 01/03/96
00
0380348277 05 03/01/96
0
110540483 O 02/01/26
0
1473459 A73/728 F 262,500.00
ZZ
MAINS MARY E 360 262,314.73
1
22425 DOCKTON ROAD SOUTHWEST 7.750 1,880.58
75
7.500 1,880.58
354,000.00
VASHON WA 98070 5 01/24/96
00
0380343203 05 03/01/96
0
538466608 O 02/01/26
0
1473484 668/728 F 223,600.00
ZZ
WILLIS JEFFREY C 360 223,449.97
1
1102 VIA ENSENADA COURT 8.000 1,640.70
80
7.750 1,640.70
279,500.00
CONCORD CA 94521 1 01/04/96
00
0380343476 05 03/01/96
0
6239024 O 02/01/26
0
1473488 668/728 F 229,400.00
ZZ
LEWIS WALTER L 360 229,249.94
1
4859 HIMBER PLACE 8.125 1,703.29
95
7.875 1,703.29
241,500.00
NEWARK CA 94560 1 01/12/96
10
0380340274 05 03/01/96
30
6274633 O 02/01/26
0
1473529 526/728 F 278,000.00
ZZ
GILL SARAH 360 277,827.20
1
2 STONYBROOK LANE 8.375 2,113.01
80
8.125 2,113.01
347,500.00
SALEM NH 03079 1 01/19/96
00
0380349499 05 03/01/96
0
00093017 O 02/01/26
0
1473608 731/728 F 268,000.00
ZZ
DALISAY AURORA L 360 267,833.43
1
1
1339 POPLAR AVENUE 8.375 2,036.99
80
8.125 2,036.99
335,000.00
SUNNYVALE CA 94087 2 01/18/96
00
0380345141 05 03/01/96
0
112151478 O 02/01/26
0
1473624 731/728 F 264,000.00
ZZ
ROBERTS WILLIAM B 360 263,848.11
1
1629 OLD HART RANCH ROAD 8.750 2,076.89
80
8.500 2,076.89
330,000.00
ROSEVILLE CA 95661 2 01/05/96
00
0380345216 05 03/01/96
0
110540485 O 02/01/26
0
1473630 171/728 F 254,000.00
ZZ
CHAMNESS LARRY V 360 253,820.73
1
3485 RIDGECREST DRIVE 7.750 1,819.69
80
7.500 1,819.69
317,500.00
CARLSBAD CA 92008 1 01/12/96
00
0380342114 05 03/01/96
0
28059725 O 02/01/26
0
1473634 626/728 F 300,000.00
ZZ
WONG KENNETH M 360 299,803.75
1
1055 EAST LANDING WAY 8.125 2,227.50
75
7.875 2,227.50
400,000.00
SACRAMENTO CA 95831 2 01/16/96
00
0380342171 05 03/01/96
0
6514277 O 02/01/26
0
1473636 559/728 F 248,000.00
ZZ
MCCORMICK KEVIN L 360 247,837.77
1
127 SUMMERTREE DRIVE 8.125 1,841.40
76
7.875 1,841.40
330,000.00
LIVERMORE CA 94550 2 01/22/96
00
0380342080 05 03/01/96
0
0444745 O 02/01/26
0
1473640 559/728 F 240,000.00
ZZ
LAYHER ELLEN P 360 239,826.29
1
14100 ARNOLD DRIVE 7.625 1,698.71
87
7.375 1,698.71
278,000.00
SONOMA CA 95476 1 01/23/96
10
0380342072 05 03/01/96
25
1
0450569 O 02/01/26
0
1473643 470/728 F 367,200.00
ZZ
GLASSMAN JEREL H 360 366,940.83
1
3773 22ND STREET 7.750 2,630.67
80
7.500 2,630.67
459,000.00
SAN FRANCISCO CA 94112 1 01/02/96
00
0380341389 05 03/01/96
0
74001504 O 02/01/26
0
1473646 736/728 F 335,000.00
ZZ
KEMMER RICHARD A 360 334,763.56
1
3715 DEAUVILLE PLACE 7.750 2,399.98
90
7.500 2,399.98
376,000.00
SANTA ROSA CA 95403 2 01/26/96
01
0380343278 03 03/01/96
17
460785 O 02/01/26
0
1473647 736/728 F 542,000.00
ZZ
MARTIN ROBERT 360 541,607.72
1
386 HILL STREET 7.625 3,836.24
75
7.375 3,836.24
723,000.00
SAN FRANCISCO CA 94114 5 01/17/96
00
0380341140 05 03/01/96
0
460400 O 02/01/26
0
1473649 736/728 F 411,400.00
ZZ
SIEGEL PETER S 360 411,109.64
1
415 SAGE HILL DRIVE 7.750 2,947.32
77
7.500 2,947.32
538,000.00
SILVERTHORNE CO 80498 2 01/24/96
00
0380343385 03 03/01/96
0
444428 O 02/01/26
0
1473651 765/728 F 248,000.00
ZZ
MEYERHOFER LEONARD 360 247,833.59
1
46825 ARASTRE ROAD 8.000 1,819.74
73
7.750 1,819.74
340,000.00
BALDWIN LAKE (A CA 92314 2 01/24/96
00
0380341579 05 03/01/96
0
311648 O 02/01/26
0
1
1473653 470/728 F 368,400.00
ZZ
WURSTER RICHARD W 360 368,152.81
1
16610 JOHNSON ROAD 8.000 2,703.19
71
7.750 2,703.19
525,000.00
BAKERSFIELD CA 93312 2 01/09/96
00
0380346768 05 03/01/96
0
25074053 O 02/01/26
0
1473654 E15/728 F 264,000.00
ZZ
CAMPBELL BECK D 360 263,827.31
1
2258 TALMADGE STREET 8.125 1,960.19
80
7.875 1,960.19
330,000.00
LOS ANGELES CA 90027 1 01/24/96
00
0380345596 05 03/01/96
0
31005891 O 02/01/26
0
1473656 696/728 F 397,000.00
ZZ
MONROE O N 360 396,726.78
1
5929 MAPLEWOOD PARK PLACE 7.875 2,878.53
78
7.625 2,878.53
510,000.00
BETHESDA MD 20814 2 01/26/96
00
0380346271 09 03/01/96
0
3193955 O 02/01/26
0
1473695 232/232 F 354,000.00
ZZ
PATRICK ROBERT H 360 353,785.54
1
2700 LA CUESTA DRIVE 8.500 2,721.96
75
8.250 2,721.96
472,000.00
LOS ANGELES CA 90046 1 01/10/96
00
2165038 05 03/01/96
0
2165038 O 02/01/26
0
1473724 E22/728 F 580,000.00
ZZ
WHITFIELD DENNIS W 360 579,639.50
1
1100 BRITTANY LANE 8.375 4,408.42
80
7.875 4,408.42
725,000.00
ST. HELENA CA 94574 1 01/11/96
00
0410029326 05 03/01/96
0
0410029326 O 02/01/26
0
1473733 E22/728 F 57,450.00
ZZ
WHIPPLE COREY 360 57,411.45
1
10236 MAVERICK DRIVE 8.000 421.55
80
7.750 421.55
71,840.00
1
FORTH WORTH TX 76108 1 01/16/96
00
0410057228 05 03/01/96
0
0410057228 O 02/01/26
0
1473753 450/728 F 260,800.00
ZZ
WAI YAT H 360 260,629.40
1
40421 ANDORRA COURT 8.125 1,936.43
80
7.875 1,936.43
330,000.00
FREMONT CA 94539 2 01/02/96
00
0380346552 05 03/01/96
0
3964236 O 02/01/26
0
1473758 450/728 F 307,000.00
ZZ
BONAWITZ EARL W 360 306,804.24
1
5291 LOS ALTOS DRIVE 8.250 2,306.39
79
8.000 2,306.39
390,000.00
YORBA LINDA CA 92686 2 01/10/96
00
0380346891 05 03/01/96
0
3964731 O 02/01/26
0
1473763 A39/728 F 260,000.00
ZZ
MANNION BERNARD 360 260,000.00
1
2292 HILLSBURY ROAD 7.625 1,840.26
80
7.375 1,840.26
325,000.00
WESTLAKE VILLAG CA 91361 1 02/01/96
00
0380339383 05 04/01/96
0
NA O 03/01/26
0
1473771 375/728 F 232,000.00
ZZ
IBOLD KENNETH R 360 231,687.62
1
1568 FAWN CREEK ROAD 8.000 1,702.34
80
7.750 1,702.34
290,000.00
BRENTWOOD TN 37027 1 12/08/95
00
0380354515 05 02/01/96
0
3007207988 O 01/01/26
0
1473812 688/728 F 73,000.00
ZZ
KNOX JUDY C 360 72,951.02
1
12228 NORTH 63RD STREET 8.000 535.65
57
7.750 535.65
130,000.00
SCOTTSDALE AZ 85254 2 01/25/96
00
0380344052 05 03/01/96
0
32083 O 02/01/26
0
1
1473820 A13/728 F 225,000.00
ZZ
COURTNEY JAMES T 360 224,852.82
1
52826 BLUE RIDGE 8.125 1,670.62
90
7.875 1,670.62
250,228.00
SHELBY TWP MI 48316 1 01/12/96
10
0380344045 05 03/01/96
25
NA O 02/01/26
0
1473822 A13/728 F 218,000.00
ZZ
BILLINGS KEVIN B 360 217,838.21
1
4762 AVERY LANE 7.500 1,524.29
75
7.250 1,524.29
292,000.00
LAKE OSWEGO OR 97035 2 01/11/96
00
0380345752 05 03/01/96
0
NA O 02/01/26
0
1473845 B79/728 F 242,100.00
ZZ
DOUGLAS MICHAEL R 360 242,100.00
1
1236 KAINS AVENUE 7.875 1,755.39
90
7.625 1,755.39
269,000.00
SAN BRUNO CA 94066 2 02/14/96
10
0380360629 05 04/01/96
25
019224 O 03/01/26
0
1473906 450/728 F 272,000.00
ZZ
LUCZAK DAVID D 360 271,803.13
1
1145 SIESTA KEYS 7.625 1,925.20
80
7.375 1,925.20
340,000.00
STREAMWOOD IL 60120 1 01/05/96
00
0380344110 05 03/01/96
0
3989613 O 02/01/26
0
1473926 685/728 F 296,000.00
ZZ
DAWSON JAMES B 360 295,796.29
1
16244 MCGILL ROAD 7.875 2,146.21
80
7.625 2,146.21
370,000.00
LA MIRADA CA 90638 1 01/25/96
00
0380343104 03 03/01/96
0
200375 O 02/01/26
0
1473934 470/728 F 293,000.00
ZZ
JOHNSON TERRY D 360 292,808.33
1
1
25200 BARONET DRIVE 8.125 2,175.52
80
7.875 2,175.52
370,000.00
SALINAS CA 93908 2 01/11/96
00
0380342262 05 03/01/96
0
25077977 O 02/01/26
0
1473937 185/728 F 205,600.00
ZZ
WIENER H W 360 205,451.19
1
8124 CAMINO DEL SOL 7.625 1,455.23
55
LA JOLLA 7.375 1,455.23
380,000.00
SAN DIEGO CA 92037 2 01/23/96
00
0380348681 01 03/01/96
0
229321 O 02/01/26
0
1473940 185/728 F 310,500.00
ZZ
JOHNSON STUART D 360 310,291.66
1
1131 SENTINEL CIRCLE 8.000 2,278.34
90
7.750 2,278.34
345,000.00
RENO NV 89509 1 01/25/96
10
0380348749 05 03/01/96
25
228111 O 02/01/26
0
1473942 E19/728 F 257,000.00
ZZ
STUMPFF ERNEST A 360 256,809.27
1
1222 NORTH PASEO GRACIA 7.500 1,796.98
80
7.250 1,796.98
325,000.00
SAN DIMAS CA 91773 2 01/17/96
00
0380342544 05 03/01/96
0
5012 O 02/01/26
0
1473943 E19/728 F 273,000.00
ZZ
GOLE MARK H 360 272,812.12
1
9909 GERALD AVENUE 7.875 1,979.44
80
7.625 1,979.44
345,000.00
NORTH HILLS ARE CA 91343 2 01/25/96
00
0380342320 05 03/01/96
0
4300 O 02/01/26
0
1473944 111/111 F 244,000.00
ZZ
HALL TIMOTHY J 360 243,827.78
1
4130 ROCHESTER ROAD 7.750 1,748.05
80
7.500 1,748.05
305,000.00
SAN DIEGO CA 92116 2 01/05/96
00
653594 05 03/01/96
0
1
653594 O 02/01/26
0
1473945 111/111 F 220,000.00
ZZ
JENNINGS SUSAN K 360 219,840.77
1
225 SILVERADO SPRINGS DRIVE 7.625 1,557.15
48
7.375 1,557.15
461,500.00
NAPA CA 94558 1 01/17/96
00
659689 03 03/01/96
0
659689 O 02/01/26
0
1473950 765/728 F 228,000.00
ZZ
CRUZ MANNY D 360 227,854.61
1
22351 FALLEN LEAF ROAD 8.250 1,712.89
95
8.000 1,712.89
240,000.00
LAKE FOREST CA 92630 1 01/30/96
11
0380342445 03 03/01/96
30
312387 O 02/01/26
0
1473951 736/728 F 204,000.00
ZZ
STOUFFER JEFFREY A 360 203,863.12
1
2040 HAWLEY DRIVE 8.000 1,496.88
70
7.750 1,496.88
295,000.00
VISTA CA 92084 2 01/29/96
00
0380345448 05 03/01/96
0
456361 O 02/01/26
0
1473952 736/728 F 333,000.00
ZZ
CALDWELL ROBERT H 360 332,764.97
1
4142 VANTAGE AVENUE 7.750 2,385.65
90
7.500 2,385.65
370,000.00
LOS ANGELES CA 91604 2 01/24/96
10
0380343849 05 03/01/96
17
457841 O 02/01/26
0
1473954 267/267 F 261,000.00
ZZ
BARONE JAMES C 360 260,801.39
1
8 DAUPHIN 7.375 1,802.67
90
7.125 1,802.67
290,000.00
DANA POINT CA 92629 2 01/24/96
11
4389846 03 03/01/96
25
4389846 O 02/01/26
0
1
1473955 267/267 F 350,000.00
ZZ
HOVSEPIAN VAROOJ 360 349,746.68
1
1388 BALMORAL DRIVE 7.625 2,477.28
52
7.375 2,477.28
675,000.00
GLENDALE CA 91207 2 01/22/96
00
4382349 05 03/01/96
0
4382349 O 02/01/26
0
1473957 267/267 F 458,735.00
ZZ
LAMB RICHARD D 360 458,402.98
1
921 LA MESA DRIVE 7.625 3,246.90
61
7.375 3,246.90
755,000.00
MENLO PARK CA 94028 2 01/19/96
00
4381521 05 03/01/96
0
4381521 O 02/01/26
0
1473958 267/267 F 369,600.00
ZZ
DUBOIS RICHARD 360 369,332.49
1
744 CROSSWAY ROAD 7.625 2,616.01
80
7.375 2,616.01
462,000.00
BURLINGAME CA 94010 1 01/23/96
00
4391673 05 03/01/96
0
4391673 O 02/01/26
0
1473959 267/267 F 400,000.00
ZZ
STERLING JAMES R 360 399,731.61
1
2148 LOMA DRIVE 8.000 2,935.06
66
7.750 2,935.06
610,000.00
HERMOSA BEACH CA 90254 5 01/19/96
00
4389163 05 03/01/96
0
4389163 O 02/01/26
0
1473960 267/267 F 400,000.00
ZZ
LEWIS ARTHUR D 360 399,710.49
1
3115 DOYNE RD 7.625 2,831.18
62
7.375 2,831.18
650,000.00
PASADENA CA 91107 2 01/12/96
00
4390562 05 03/01/96
0
4390562 O 02/01/26
0
1473962 267/267 F 245,000.00
ZZ
BRUNDAGE JOHN 360 244,822.67
1
1057 CORVETTE DRIVE 7.625 1,734.10
75
7.375 1,734.10
330,000.00
1
SAN JOSE CA 95129 5 01/25/96
00
4368002 05 03/01/96
0
4368002 O 02/01/26
0
1473963 267/267 F 380,000.00
ZZ
FORREST C H 360 379,731.80
1
205 E SPAIN STREET 7.750 2,722.37
80
7.500 2,722.37
475,000.00
SONOMA CA 95476 2 01/04/96
00
4382412 05 03/01/96
0
4382412 O 02/01/26
0
1473971 450/728 F 249,250.00
ZZ
LAUGHLIN STEPHEN 360 249,082.76
1
1227 SURF AVENUE 8.000 1,828.91
80
7.750 1,828.91
311,600.00
PACIFIC GROVE CA 93950 1 01/12/96
00
0380342726 05 03/01/96
0
3963766 O 02/01/26
0
1473974 450/728 F 91,000.00
T
ERSAN SAM B 360 90,886.47
1
26535 SATOI 8.375 691.67
70
8.125 691.67
130,000.00
LONG BARN CA 95335 1 12/08/95
00
0380342734 05 02/01/96
0
3962412 O 01/01/26
0
1474015 025/025 F 228,900.00
ZZ
BURTON LUTHER 360 228,583.92
1
935 REGENCY CREST DRIVE 7.875 1,659.68
90
7.625 1,659.68
254,384.00
ATLANTA GA 30331 1 12/29/95
14
415854 03 02/01/96
25
415854 O 01/01/26
0
1474020 025/025 F 359,000.00
ZZ
CAUSEY SR JAMES L 360 358,552.16
1
13450 LAKE MARY JANE ROAD 8.375 2,728.66
90
8.125 2,728.66
399,000.00
ORLANDO FL 32832 1 12/18/95
14
458282 05 02/01/96
25
458282 O 01/01/26
0
1
1474065 750/728 F 560,000.00
ZZ
JACKSON DOUGLAS R 360 559,594.68
1
828 SAN ROQUE ROAD 7.625 3,963.65
80
7.375 3,963.65
700,000.00
SANTA BARBARA CA 93105 2 01/05/96
00
0380342403 05 03/01/96
0
315049353 O 02/01/26
0
1474066 750/728 F 172,500.00
ZZ
DOMINELLO LARRY 360 172,375.15
1
834 NORTH VALLEY STREET 7.625 1,220.94
75
7.375 1,220.94
230,000.00
BURBANK CA 91505 2 01/11/96
00
0380344722 05 03/01/96
0
315049437 O 02/01/26
0
1474107 966/728 F 292,500.00
ZZ
SMITH BRUCE N 360 292,308.66
1
4840 CHRISTINA 8.125 2,171.81
90
7.875 2,171.81
325,000.00
BEAUMONT TX 77706 2 01/10/96
12
0380354622 05 03/01/96
25
950067 O 02/01/26
0
1474116 B74/728 F 229,000.00
ZZ
COPELAND VIKI L 360 228,838.38
1
4107 CREST DRIVE 7.750 1,640.58
77
7.500 1,640.58
300,000.00
MANHATTAN BEACH CA 90266 2 01/22/96
00
0380341488 05 03/01/96
0
960011 O 02/01/26
0
1474119 721/728 F 269,100.00
ZZ
MCKINNON GEORGE N 360 268,914.81
1
408 PINE ISLAND LANE 7.875 1,951.16
90
7.625 1,951.16
299,000.00
SCHOFIELD WI 54476 1 01/22/96
10
0380347725 05 03/01/96
20
922039 O 02/01/26
0
1474121 765/728 F 227,250.00
ZZ
TUAZON TITO P 360 227,250.00
1
1
2140 DELIA PLACE 7.750 1,628.05
90
7.500 1,628.05
252,500.00
WEST COVINA CA 91792 1 02/01/96
11
0380342312 05 04/01/96
25
312454 O 03/01/26
0
1474125 776/728 F 600,000.00
ZZ
WYNGARDEN JOHN 360 599,607.52
1
2892 NORTH REDONDO AVENUE 8.125 4,454.98
79
7.875 4,454.98
760,000.00
CAMARILLO AREA CA 93012 1 01/24/96
00
0380348665 05 03/01/96
0
2127286 O 02/01/26
0
1474128 776/728 F 530,000.00
ZZ
NOORHAHMOUD MANOUCHER 360 529,625.94
1
17870 AVENIDA PUERTO VALLARTA 7.750 3,796.98
70
7.500 3,796.98
765,000.00
LOS ANGELES CA 91316 2 01/24/96
00
0380346172 05 03/01/96
0
2122975 O 02/01/26
0
1474131 387/387 F 232,000.00
ZZ
GOLDUBER IGOR 360 231,855.80
1
6 DOLORES COURT 8.375 1,763.37
80
8.125 1,763.37
290,000.00
MORAGA CA 94556 2 01/05/96
00
575332 09 03/01/96
0
575332 O 02/01/26
0
1474137 744/728 F 208,000.00
ZZ
SULLIVAN TODD D 360 207,860.44
1
1127 VALLECITO ROAD 8.000 1,526.23
80
7.750 1,526.23
260,000.00
CARPINTERIA CA 93013 1 01/25/96
00
0380344441 05 03/01/96
0
75960 O 02/01/26
0
1474140 387/387 F 227,000.00
ZZ
FLICKINGER LARRY R 360 226,702.01
1
2241 VIA DEL PARAISO 8.125 1,685.47
69
7.875 1,685.47
333,000.00
LA VERNE CA 91750 5 12/14/95
00
552406 05 02/01/96
0
1
552406 O 01/01/26
0
1474146 686/686 F 130,000.00
ZZ
CUSIMANO LEONARD V 360 129,905.90
1
23028 CARROLLTON ROAD 7.625 920.14
50
7.375 920.14
265,000.00
NEAVITT MD 21652 5 01/05/96
00
30817300171 05 03/01/96
0
30817300171 O 02/01/26
0
1474148 686/686 F 250,000.00
ZZ
OBELLO DODIE P 360 249,819.05
1
2308 SEA ISLAND PLACE 7.625 1,769.49
76
7.375 1,769.49
330,000.00
CHULA VISTA CA 91915 2 01/05/96
00
30817389760 03 03/01/96
0
30817389760 O 02/01/26
0
1474149 686/686 F 291,000.00
ZZ
SCHMIDHAUSER ERIC 360 290,380.01
1
403 BROOKS HOLLOW ROAD 7.750 2,084.76
70
7.500 2,084.76
420,000.00
AUSTIN TX 78734 1 01/05/96
00
30817313265 03 03/01/96
0
30817313265 O 02/01/26
0
1474150 686/686 F 48,750.00
ZZ
HAYTON JOANN W 360 48,718.91
1
1404 BENTON STREET 8.250 366.25
73
8.000 366.25
67,000.00
ROCKFORD IL 61107 1 01/10/96
00
30817080575 05 03/01/96
0
30817080575 O 02/01/26
0
1474153 686/686 F 124,500.00
ZZ
COTO M N 360 124,420.61
1
321 MADEIRA AVENUE 8.250 935.33
51
8.000 935.33
245,000.00
CORAL GABLES FL 33134 2 01/08/96
00
30817272511 05 03/01/96
0
30817272511 O 02/01/26
0
1
1474156 939/728 F 186,300.00
ZZ
RIVERA JOHN E 360 186,300.00
1
82-41 ST JAMES AVENUE 7.750 1,334.68
90
7.500 1,334.68
207,000.00
ELMHURST NY 11373 1 02/13/96
10
0380347063 05 04/01/96
25
9603635 O 03/01/26
0
1474237 926/926 F 318,500.00
ZZ
CHIDESTER JOHN D 360 318,280.81
1
28 FLAGSHIP LANE 7.875 2,309.35
75
7.625 2,309.35
425,000.00
HILTON HEAD SC 29926 2 01/04/96
00
681 03 03/01/96
0
681 O 02/01/26
0
1474251 714/728 F 350,000.00
ZZ
WHITE STEFFEN P 360 349,752.98
1
8818 W DAVENTRY ROAD 7.750 2,507.44
83
7.500 2,507.44
425,000.00
MEQUON WI 53092 2 01/24/96
10
0380345901 05 03/01/96
12
NA O 02/01/26
0
1474255 686/686 F 114,000.00
ZZ
WARREN CHARLES E 360 113,925.42
1
4608 ROTHWELL COURT 8.125 846.45
73
7.875 846.45
158,000.00
VIRGINIA BEACH VA 23456 2 01/08/96
00
30817301328 05 03/01/96
0
30817301328 O 02/01/26
0
1474256 686/686 F 140,000.00
ZZ
DICKSON GREGORIO A 360 139,903.16
1
4455 NAUTILUS DRIVE 7.850 1,012.67
58
7.600 1,012.67
245,000.00
MIAMI BEACH FL 33140 1 01/16/96
00
30817317910 05 03/01/96
0
30817317910 O 02/01/26
0
1474257 686/686 F 280,000.00
ZZ
LEVINSON DANIEL B 360 279,810.21
1
62 INVERNESS DRIVE 7.950 2,044.79
80
7.700 2,044.79
350,000.00
1
SAN FRANCISCO CA 94132 1 12/18/95
00
30817337165 05 03/01/96
0
30817337165 O 02/01/26
0
1474258 686/686 F 200,300.00
ZZ
KIM JAEHOON J 360 200,162.15
1
7105 VALBURN DRIVE 7.875 1,452.32
75
7.625 1,452.32
267,150.00
AUSTIN TX 78731 1 01/12/96
00
30817345648 05 03/01/96
0
30817345648 O 02/01/26
0
1474259 686/686 F 185,500.00
ZZ
FOLK JEFFREY C 360 185,374.26
1
2311 - 48TH AVENUE NW 7.950 1,354.68
70
7.700 1,354.68
265,000.00
GIG HARBOR WA 98335 5 01/05/96
00
30817362353 05 03/01/96
0
30817362353 O 02/01/26
0
1474260 686/686 F 90,000.00
ZZ
SAVASTANO JAMES R 360 89,939.61
1
2413 S E ST LUCIE BLVD 8.000 660.39
75
7.750 660.39
120,000.00
STUART FL 34997 1 01/12/96
00
30817374010 05 03/01/96
0
30817374010 O 02/01/26
0
1474261 686/686 F 121,450.00
ZZ
CROWSON GEORGE J 360 121,366.42
1
1501 EAGLEPOINT DRIVE 7.875 880.60
75
7.625 880.60
161,990.00
CARROLLTON TX 75007 1 01/12/96
00
30817405004 05 03/01/96
0
30817405004 O 02/01/26
0
1474262 686/686 F 300,000.00
ZZ
SCHREINER CHARLES 360 299,793.54
1
550 33RD STREET 7.875 2,175.21
58
7.625 2,175.21
525,000.00
MANHATTAN BEACH CA 90266 5 01/09/96
00
30817429178 05 03/01/96
0
30817429178 O 02/01/26
0
1
1474264 686/686 F 243,000.00
ZZ
CIRCOSTA STEPHEN E 360 242,845.05
1
301 TADLEY COURT 8.250 1,825.58
56
8.000 1,825.58
440,000.00
REDWOOD CITY CA 94061 2 01/08/96
00
30816848915 03 03/01/96
0
30816848915 O 02/01/26
0
1474265 686/686 F 78,000.00
ZZ
HAMBURG JAN M 360 77,913.50
1
8123 - 28TH AVENUE SW 7.900 566.91
68
7.650 566.91
116,000.00
SEATTLE WA 98126 5 01/09/96
00
30817362247 05 03/01/96
0
30817362247 O 02/01/26
0
1474266 686/686 F 120,000.00
ZZ
LANKIN DAVID S 360 119,915.30
1
76 CLOVERLEE LANE 7.750 859.70
75
7.500 859.70
160,000.00
NEWTOWN PA 18940 1 01/17/96
00
30817301252 05 03/01/96
0
30817301252 O 02/01/26
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1474269 686/686 F 79,450.00
ZZ
BLACKSTOCK ROGER 360 79,396.69
1
7777 25 MILE ROAD 8.000 582.98
70
7.750 582.98
113,500.00
SHELBY TWP MI 48316 2 01/11/96
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30817080393 O 02/01/26
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1474270 686/686 F 85,000.00
ZZ
SMITH SCOTT W 360 84,947.16
1
9203 GLACIER RIDGE 8.375 646.07
32
8.125 646.07
270,000.00
RICHMOND IL 60071 5 01/12/96
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30817080534 O 02/01/26
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1474271 686/686 F 90,250.00
ZZ
TORRES ADRIAN 360 90,187.89
1
1
2743 W MELROSE 7.875 654.38
95
7.625 654.38
95,000.00
CHICAGO IL 60618 2 01/12/96
01
30817080625 05 03/01/96
30
30817080625 O 02/01/26
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T
SWARTOUT DAVID A 360 326,985.96
1
EVERETT POINT ROAD 8.125 2,429.46
80
7.875 2,429.46
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TOWER MN 55790 2 01/12/96
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30817080641 05 03/01/96
0
30817080641 O 02/01/26
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1474273 686/686 F 86,250.00
ZZ
MARTINEZ GERMAN 360 86,195.00
1
305 RURAL HILL COURT 8.250 647.97
75
8.000 647.97
115,000.00
NASHVILLE TN 37217 1 01/18/96
00
30817312861 05 03/01/96
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30817312861 O 02/01/26
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1474274 686/686 F 70,000.00
ZZ
FORNAIOLO FRANK J 360 69,956.48
1
8991 HOUSTON PLACE 8.375 532.06
46
8.125 532.06
155,000.00
ORLANDO FL 32819 5 01/17/96
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30817373848 03 03/01/96
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30817373848 O 02/01/26
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1474275 686/686 F 300,000.00
ZZ
SMOGUR RICHARD L 360 299,803.75
1
2495 OLD NATCHEZ TRACE 8.125 2,227.50
80
7.875 2,227.50
375,000.00
FRANKLIN TN 37064 5 01/17/96
00
30817405087 05 03/01/96
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30817405087 O 02/01/26
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1474276 686/686 F 166,875.00
ZZ
OSTERNECK JULIAN 360 166,754.21
1
1560 PENLLYN BLUE BELL PK 7.625 1,181.14
75
7.375 1,181.14
222,500.00
BLUE BELL PA 19422 1 01/22/96
00
30817299944 05 03/01/96
0
1
30817299944 O 02/01/26
0
1474277 686/686 F 225,000.00
ZZ
PALMER PETER A 360 224,757.81
1
201 SMITH ROAD 7.775 1,615.82
65
7.525 1,615.82
350,000.00
DANVILLE CA 94526 2 01/12/96
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30817338049 05 03/01/96
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30817338049 O 02/01/26
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1474278 686/686 F 380,000.00
ZZ
HSU FRANK S 360 379,739.80
1
709 WEST SHARON ROAD 7.900 2,761.87
56
7.650 2,761.87
680,000.00
ARCADIA CA 91007 5 01/12/96
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30817352057 05 03/01/96
0
30817352057 O 02/01/26
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1474281 686/686 F 182,850.00
ZZ
LEWIS MICHAEL P 360 182,733.39
1
40592 PAISLEY CIRCLE 8.250 1,373.70
75
8.000 1,373.70
243,807.00
NOVI MI 48374 1 01/22/96
00
30817080880 05 03/01/96
0
30817080880 O 02/01/26
0
1474282 686/686 F 247,500.00
ZZ
RUNFOLA CHARLES 360 247,342.17
1
8812 SEASPRAY DRIVE 8.250 1,859.39
90
8.000 1,859.39
275,000.00
HUNTINGTON BEAC CA 92646 1 01/18/96
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30817429210 05 03/01/96
25
30817429210 O 02/01/26
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1474286 686/686 F 229,500.00
ZZ
GOEBEL PAUL J 360 229,367.96
1
505 E ACACIA AVENUE 8.750 1,805.48
88
8.500 1,805.48
262,000.00
FRESNO CA 93704 2 01/17/96
01
30816849459 05 03/01/96
25
30816849459 O 02/01/26
0
1
1474287 686/686 F 60,000.00
ZZ
GIAMBATTISTA SARAH 360 59,957.65
1
507 MILE SQUARE ROAD 7.750 429.85
67
7.500 429.85
90,000.00
YONKERS NY 10704 1 01/25/96
00
30817184039 05 03/01/96
0
30817184039 O 02/01/26
0
1474288 686/686 F 27,000.00
ZZ
VERDISCO DIANE 360 26,981.04
1
8571 NW 17TH PLACE 7.775 193.90
37
7.525 193.90
73,500.00
PLANTATION FL 33322 1 01/22/96
00
30817275308 03 03/01/96
0
30817275308 O 02/01/26
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ZZ
FOGLIETTI RONALD M 360 62,956.64
1
17428 28TH AVENUE NE 7.875 456.80
36
7.625 456.80
178,000.00
LAKE FOREST PAR WA 98155 1 01/17/96
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30817398712 05 03/01/96
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30817398712 O 02/01/26
0
1474292 686/686 F 120,000.00
ZZ
BURK VIVIANE G 360 119,915.30
1
4805 CREEKSTONE WAY 7.750 859.70
75
7.500 859.70
160,000.00
MARIETTA GA 30062 1 01/26/96
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30817126717 05 03/01/96
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30817126717 O 02/01/26
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1474293 686/686 F 74,400.00
ZZ
KRISTWALD ELFRIEDE H 360 74,352.55
1
3589 CHASTAIN TRAIL 8.250 558.95
60
8.000 558.95
124,250.00
MARIETTA GA 30066 1 01/26/96
00
30817272636 03 03/01/96
0
30817272636 O 02/01/26
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1474294 686/686 F 262,000.00
ZZ
BAUMAN STEVEN R 360 261,815.07
1
1028 CANDLEWICKE COURT 7.750 1,877.01
72
7.500 1,877.01
364,000.00
1
GLENDORA CA 91740 1 01/10/96
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30817297872 05 03/01/96
0
30817297872 O 02/01/26
0
1474296 686/686 F 79,000.00
ZZ
MORRISON GUSTAVUS 360 78,946.45
1
12406 BEACONTREE WAY 7.950 576.93
74
7.700 576.93
107,000.00
ORLANDO FL 32837 5 01/24/96
00
30816973150 03 03/01/96
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30816973150 O 02/01/26
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1474297 686/686 F 205,550.00
ZZ
OSBORNE JOHN 360 205,393.59
1
42 N CASTLEGREEN CIRCLE 7.375 1,419.69
75
7.125 1,419.69
274,118.00
THE WOODLANDS TX 77381 1 01/26/96
00
30817313224 03 03/01/96
0
30817313224 O 02/01/26
0
1474298 686/686 F 135,100.00
ZZ
AUER JANE W 360 134,999.74
1
2673 TIMERCREEK CIRCLE 7.500 944.64
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7.250 944.64
193,000.00
BOCA RATON FL 33431 1 01/29/96
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30817374853 03 03/01/96
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30817374853 O 02/01/26
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1474299 686/686 F 207,050.00
ZZ
HEISE JAMES F 360 206,903.86
1
539 21ST STREET 7.750 1,483.34
43
7.500 1,483.34
485,000.00
MANHATTAN BEACH CA 90266 5 01/23/96
00
30817429152 05 03/01/96
0
30817429152 O 02/01/26
0
1474302 686/686 F 210,000.00
ZZ
SHIFMAN STEWART I 360 209,866.09
1
6591 TORYBROOKE CIRCLE 8.250 1,577.66
56
8.000 1,577.66
375,000.00
W BLOOMFIELD MI 48323 5 01/24/96
00
30817080708 05 03/01/96
0
30817080708 O 02/01/26
0
1
1474303 686/686 F 95,000.00
ZZ
LIEBERMAN MICHAEL 360 94,931.24
1
2842 32ND AVENUE SOUTH 7.625 672.41
56
7.375 672.41
170,000.00
SEATTLE WA 98144 1 01/24/96
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30817465008 05 03/01/96
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30817465008 O 02/01/26
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1474308 686/686 F 52,900.00
ZZ
SIMMONS AMY T 360 52,863.77
1
9373 TURNBERRY ALCOVE #83 7.900 384.49
56
7.650 384.49
95,900.00
WOODBURY MN 55125 1 01/31/96
00
30816391429 03 03/01/96
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30816391429 O 02/01/26
0
1474309 686/686 F 40,000.00
ZZ
SCOTT LOUIS R 360 39,975.14
1
221 E RIDGELAND 8.375 304.03
29
8.125 304.03
139,000.00
TUCSON AZ 85737 1 01/30/96
00
30817011802 03 03/01/96
0
30817011802 O 02/01/26
0
1474310 686/686 F 334,000.00
ZZ
DOYLE KEVIN J 360 333,793.46
1
14837 S WOODCREST AVENUE 8.400 2,544.54
80
8.150 2,544.54
419,000.00
LOCKPORT IL 60441 1 01/31/96
00
30817065428 05 03/01/96
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30817065428 O 02/01/26
0
1474311 686/686 F 141,375.00
ZZ
HUGHES MADELINE 360 141,275.22
1
7-02 160TH STREET 7.750 1,012.83
75
7.500 1,012.83
188,500.00
BEECHHURST NY 11357 1 01/31/96
00
30817114531 05 03/01/96
0
30817114531 O 02/01/26
0
1474312 686/686 F 254,700.00
ZZ
NOOR BINDU 360 254,530.82
1
1
1 ERWOOD COURT 8.050 1,877.79
90
7.800 1,877.79
283,000.00
BALTIMORE MD 21212 1 01/31/96
01
30817239148 05 03/01/96
25
30817239148 O 02/01/26
0
1474313 686/686 F 435,000.00
ZZ
DARIO LUCIA L 360 434,705.15
1
3334 STEPHENS CIRCLE 7.950 3,176.73
60
7.700 3,176.73
730,000.00
GLENDALE CA 91208 2 01/23/96
00
30817287758 05 03/01/96
0
30817287758 O 02/01/26
0
1474314 686/686 F 131,650.00
ZZ
OSTERBIND JR ALBERT O 360 131,561.66
1
13210 FALL HARVEST DRIVE 8.000 966.01
66
7.750 966.01
202,000.00
CHESTER VA 23831 2 01/25/96
00
30817300213 05 03/01/96
0
30817300213 O 02/01/26
0
1474315 686/686 F 245,000.00
ZZ
YODER KATHLEEN J 360 244,851.58
1
4705 MARINER COURT 8.500 1,883.84
70
8.250 1,883.84
350,000.00
FLOWER MOUND TX 75028 1 01/30/96
00
30817314909 03 03/01/96
0
30817314909 O 02/01/26
0
1474316 686/686 F 98,700.00
ZZ
MCDOWELL STEPHEN M 360 98,635.43
1
7621 BELMONTE BLVD 8.125 732.85
66
7.875 732.85
150,000.00
MARGATE FL 33063 2 01/26/96
00
30817374143 03 03/01/96
0
30817374143 O 02/01/26
0
1474317 686/686 F 74,200.00
ZZ
BRUNO WILLIAM S 360 74,153.87
1
5740-A COACH HOUSE CIRCLE 8.375 563.98
70
8.125 563.98
106,000.00
BOCA RATON FL 33486 1 01/26/96
00
30817374283 01 03/01/96
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1
30817374283 O 02/01/26
0
1474318 686/686 F 119,000.00
ZZ
BLAIR LEO J 360 118,918.10
1
8535 SW 80TH PLACE 7.875 862.84
70
7.625 862.84
170,000.00
MIAMI FL 33143 2 01/26/96
00
30817374721 03 03/01/96
0
30817374721 O 02/01/26
0
1474319 686/686 F 650,000.00
ZZ
PARDUN GEORGE W 360 649,585.51
1
488 SOUTH BEACH ROAD 8.250 4,883.24
65
8.000 4,883.24
1,000,000.00
HOBE SOUND FL 33455 1 01/31/96
00
30817374747 05 03/01/96
0
30817374747 O 02/01/26
0
1474320 686/686 F 95,600.00
ZZ
NESHAT JALEH 360 95,396.26
1
401 MCALWAY ROAD 7.750 684.90
75
7.500 684.90
127,500.00
CHARLOTTE NC 28211 1 01/31/96
00
30817375298 05 03/01/96
0
30817375298 O 02/01/26
0
1474321 686/686 F 66,000.00
ZZ
OWNBEY DONALD R 360 65,954.58
1
9437 KINGS FALLS DRIVE 7.875 478.55
69
7.625 478.55
96,000.00
CHARLOTTE NC 28210 1 01/31/96
00
30817375363 01 03/01/96
0
30817375363 O 02/01/26
0
1474322 686/686 F 182,950.00
ZZ
WITSIL DANA J 360 182,820.87
1
15828 451ST AVE SOUTHEAST 7.750 1,310.68
64
7.500 1,310.68
290,000.00
NORTH BEND WA 98045 5 01/25/96
00
30817397656 05 03/01/96
0
30817397656 O 02/01/26
0
1
1474323 686/686 F 66,500.00
ZZ
DE SOUSA ARMANDO 360 66,456.49
2
1106 MONTROSE AVENUE 8.125 493.77
70
7.875 493.77
95,000.00
NASHVILLE TN 37204 1 01/31/96
00
30817405392 05 03/01/96
0
30817405392 O 02/01/26
0
1474324 686/686 F 289,728.00
ZZ
WEINER MICHAEL 360 289,531.61
1
440 GLASGOW CIRCLE 7.950 2,115.84
80
7.700 2,115.84
362,161.00
DANVILLE CA 94526 1 01/12/96
00
30817427594 03 03/01/96
0
30817427594 O 02/01/26
0
1474328 686/686 F 75,000.00
ZZ
MCWILLIAMS JOHN W 360 74,948.38
1
1538 BRENTWOOD POINTE 7.875 543.81
49
7.625 543.81
154,788.00
FRANKLIN TN 37067 1 01/31/96
00
30817314743 01 03/01/96
0
30817314743 O 02/01/26
0
1474329 822/728 F 108,000.00
ZZ
REGESKI STEPHEN R 360 107,839.18
1
2 WILTON AVENUE 7.500 755.16
69
7.250 755.16
158,000.00
MIDDLESEX NJ 08846 1 12/28/95
00
0380341082 05 02/01/96
0
0366017911 O 01/01/26
0
1474379 232/232 F 251,300.00
ZZ
YOSHIDA RICHARD T 360 251,122.63
1
8793 SOUTH FORREST DRIVE 7.750 1,800.35
90
7.500 1,800.35
280,000.00
HIGHLANDS RANCH CO 80126 2 01/25/96
04
10826807 03 03/01/96
25
10826807 O 02/01/26
0
1474383 926/926 F 300,000.00
ZZ
JOHNSON ROBERT S 360 299,793.54
1
42 OCEAN POINT SOUTH 7.875 2,175.21
67
7.625 2,175.21
450,000.00
1
HILTON HEAD ISL SC 29928 5 01/12/96
00
697 03 03/01/96
0
697 O 02/01/26
0
1474384 232/232 F 266,200.00
ZZ
RICHARDS THOMAS R 360 266,016.81
1
1852 BALTUSROL COURT 7.875 1,930.13
82
7.625 1,930.13
327,500.00
LAKELAND FL 33803 1 01/30/96
11
877922 03 03/01/96
12
877922 O 02/01/26
0
1474456 638/728 F 225,000.00
ZZ
MERRITT JAMES A 360 224,845.15
1
6399 COUNTY ROAD 1 7.875 1,631.41
69
7.625 1,631.41
330,000.00
MONTROSE CO 81401 5 01/19/96
00
0380345885 05 03/01/96
0
08536889 O 02/01/26
0
1474468 480/728 F 166,000.00
ZZ
PALMER CAROLE 360 165,888.62
1
24583 NORTH 116TH STREET 8.000 1,218.05
59
7.750 1,218.05
285,000.00
SCOTTSDALE AZ 85255 2 01/04/96
00
0380344839 03 03/01/96
0
1859800 O 02/01/26
0
1474508 601/728 F 213,000.00
ZZ
TODA LARRY 360 212,853.41
1
7794 SW KINGFISHER WAY 7.875 1,544.40
83
7.625 1,544.40
258,000.00
DURHAM OR 97224 1 01/08/96
10
0380350893 05 03/01/96
12
863461 O 02/01/26
0
1474514 601/728 F 320,800.00
ZZ
CLUCAS BRIAN J 360 320,579.22
1
22W422 ELMWOOD DRIVE 7.875 2,326.03
80
7.625 2,326.03
401,000.00
GLEN ELLYN IL 60137 1 01/31/96
00
0380349598 05 03/01/96
0
872878 O 02/01/26
0
1
1474519 822/728 F 480,000.00
ZZ
THOMPSON WILLIAM 360 477,828.94
1
1275 OLD WOODS ROAD 7.500 3,356.23
80
7.250 3,356.23
600,000.00
WEST CHESTER PA 19382 1 08/25/95
00
0380348244 05 10/01/95
0
0176175342 O 09/01/25
0
1474527 822/728 F 435,000.00
ZZ
EDMUNDOWICZ ANNEMARIE 360 434,685.15
1
104 TINDALL LANE 7.625 3,078.91
79
7.375 3,078.91
552,000.00
VILLANOVA PA 19085 2 12/27/95
00
0380343757 05 03/01/96
0
0136058604 O 02/01/26
0
1474531 638/728 F 93,000.00
ZZ
RODRIGUEZ ARMEDE 360 92,940.70
1
806 EAST 65TH STREET 8.250 698.68
52
8.000 698.68
180,000.00
INGLEWOOD CA 90302 2 01/10/96
00
0380345646 05 03/01/96
0
8531877 O 02/01/26
0
1474532 367/367 F 261,152.27
ZZ
SHIM JOON B 336 260,938.18
1
7811 LONESOME PINE LANE 7.875 1,927.90
39
7.625 1,927.90
686,000.00
BETHESDA MD 20817 5 02/06/96
00
7566444 05 03/01/96
0
7566444 O 02/01/24
0
1474543 E45/728 F 95,000.00
ZZ
FRANCK KIM S 360 94,932.95
1
2240 KENT DRIVE 7.750 680.59
57
7.500 680.59
168,000.00
LARGO FL 34644 1 02/05/96
00
0380343799 05 03/01/96
0
UNKNOWN O 02/01/26
0
1474544 367/367 F 302,836.29
ZZ
CALLIER PHILIPPE 331 302,578.70
1
1
11501 PARKEDGE DRIVE 7.875 2,244.95
78
7.625 2,244.95
390,000.00
ROCKVEILLE MD 20852 1 02/01/96
00
75209601 05 03/01/96
0
75209601 O 09/01/23
0
1474548 B91/728 F 224,000.00
ZZ
MCGEE LUKE A 360 223,860.76
1
13256 ARABELLA STREET 8.375 1,702.57
90
8.125 1,702.57
250,000.00
CERRITOS CA 90703 2 01/12/96
14
0380343724 05 03/01/96
25
1951204981 O 02/01/26
0
1474550 317/728 F 326,250.00
ZZ
HOFFMAN MIRIAM 360 326,047.21
1
24592 MULHOLLAND HIGHWAY 8.375 2,479.74
75
8.125 2,479.74
435,000.00
CALABASAS AREA CA 91302 1 01/18/96
00
0380343708 05 03/01/96
0
227408 O 02/01/26
0
1474554 698/698 F 248,000.00
ZZ
AYAU PATRICK H 360 247,841.86
1
436 11TH STREET UNIT A 8.250 1,863.14
80
8.000 1,863.14
310,000.00
HERMOSA BEACH CA 90254 2 01/10/96
00
15401804 01 03/01/96
0
15401804 O 02/01/26
0
1474557 B91/728 F 581,100.00
ZZ
MCSHANE ELIZABETHJ 360 580,719.87
1
18816 ACADEMY CIRCLE 8.125 4,314.66
80
7.875 4,314.66
726,430.00
HUNTINGTON BEAC CA 92648 1 01/30/96
00
0380344524 03 03/01/96
0
1951002193 O 02/01/26
0
1474560 E22/728 F 239,250.00
ZZ
ELKOSHAIRI TAHER A 360 239,085.35
1
9212 HUNTMASTER ROAD 7.875 1,734.73
75
7.625 1,734.73
319,900.00
GAITHERSBURG MD 20882 1 01/30/96
00
0410067151 03 03/01/96
0
1
0410067151 O 02/01/26
0
1474563 403/403 F 209,541.39
ZZ
DIVITO RALPH J 326 209,362.81
1
43 SHAMROCK DRIVE 8.070 1,587.75
60
7.820 1,587.75
355,000.00
BROOKFIELD CT 06804 2 12/22/95
00
1865484 05 03/01/96
0
1865484 O 04/01/23
0
1474573 776/728 F 151,200.00
ZZ
ROSATO MICHAEL 360 151,087.79
1
5324 VILLA MALLORCA 7.500 1,057.21
80
7.250 1,057.21
190,000.00
CAMARILLO CA 93012 2 01/23/96
00
0380346362 03 03/01/96
0
2126221 O 02/01/26
0
1474574 731/728 F 256,500.00
ZZ
SHALOM ALON B 360 256,348.56
1
23104 MARIANO STREET 8.625 1,995.03
90
WOODLAND HILLS AREA 8.375 1,995.03
285,000.00
LOS ANGELES CA 91367 1 01/17/96
04
0380346289 05 03/01/96
25
411911123 O 02/01/26
0
1474583 637/728 F 352,500.00
ZZ
KAY ALAN D 360 352,251.20
1
2023 PLEASANT HILL ROAD 7.750 2,525.36
75
7.500 2,525.36
470,000.00
SEBASTOPOL CA 95472 1 01/08/96
00
0380343856 05 03/01/96
0
3511912 O 02/01/26
0
1474584 637/728 F 202,000.00
ZZ
EZRATTY JAIME D 360 201,853.79
1
9 CAIL DR 7.625 1,429.75
68
7.375 1,429.75
299,000.00
EAST ROCKAWAY NY 11518 1 01/25/96
00
0380343401 05 03/01/96
0
4738829 O 02/01/26
0
1
1474585 637/728 F 550,000.00
ZZ
MAZZEO GINA S 360 549,601.92
1
1 SIMONSON CT 7.625 3,892.87
52
7.375 3,892.87
1,058,875.00
OLD BROOKVILLE NY 11545 1 01/26/96
00
0380343872 05 03/01/96
0
4738472 O 02/01/26
0
1474586 721/728 F 431,000.00
ZZ
DOODY JAMES T 360 430,688.05
1
3308 SCOTTSDALE COURT 7.625 3,050.60
80
7.375 3,050.60
538,800.00
NAPERVILLE IL 60564 4 01/26/96
00
0380349622 03 03/01/96
0
916361 O 02/01/26
0
1474588 637/728 F 500,000.00
ZZ
CHRISTENSEN RUSSEL K 360 499,647.10
1
2024 GLENVIEW DRIVE 7.750 3,582.07
77
7.500 3,582.07
650,000.00
LAS VEGAS NV 89134 2 01/19/96
00
0380346933 03 03/01/96
0
4784401 O 02/01/26
0
1474589 637/728 F 235,125.00
ZZ
TAUB DAVID 360 234,975.06
1
1 CONCROD DR 8.250 1,766.42
75
8.000 1,766.42
313,500.00
MONSEY NY 10952 5 01/17/96
00
0380344367 05 03/01/96
0
4735270 O 02/01/26
0
1474591 936/728 F 272,000.00
ZZ
FOLLETTE DOUG 360 271,830.93
1
2857 STROMBOLI ROAD 8.375 2,067.40
80
8.125 2,067.40
340,000.00
COSTA MESA CA 92626 2 01/05/96
00
0380343682 05 03/01/96
0
6003677 O 02/01/26
0
1474592 936/728 F 288,000.00
ZZ
CHASE MICHAEL F 360 287,825.52
1
20012 BEAUMONT CIRCLE 8.500 2,214.48
84
8.250 2,214.48
345,000.00
1
HUNTINGTON BEAC CA 92646 2 01/09/96
11
0380343716 05 03/01/96
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6007959 O 02/01/26
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1474605 992/728 F 390,000.00
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ROSENBLATT JEFFREY 360 390,000.00
1
180 LONGWOOD CROSSING 8.250 2,929.95
73
8.000 2,929.95
540,000.00
LAWRENCE NY 11559 1 02/06/96
00
0380341348 05 04/01/96
0
324523 O 03/01/26
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1474606 936/728 F 349,000.00
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KOLAR RICHARD 360 348,788.57
1
24200 NORTH ALMA SCHOOL PARKWA 8.500 2,683.51
68
#15 8.250 2,683.51
517,038.00
SCOTTSDALE AZ 85255 4 01/17/96
00
0380343922 03 03/01/96
0
6008775 O 02/01/26
0
1474608 936/728 F 235,000.00
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SAMIMI SASAN 360 234,346.68
1
1102 YSABEL AVENUE 7.875 1,703.92
73
7.625 1,703.92
322,000.00
REDONDO BEACH CA 90277 1 10/11/95
00
0380347790 05 12/01/95
0
1886340 O 11/01/25
0
1474610 936/728 F 295,000.00
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BONNSTETTER THOMAS W 360 294,821.28
1
3332 ROSSMOOR WAY 8.500 2,268.30
80
8.250 2,268.30
369,000.00
LOS ALAMITOS CA 90720 2 01/08/96
00
0380344342 05 03/01/96
0
6007439 O 02/01/26
0
1474862 635/635 F 337,000.00
ZZ
AMAN GEORGE C 349 335,900.65
1
1 HIGH RIDGE ROAD 8.625 2,638.92
90
8.375 2,638.92
375,000.00
EAST HAMPTON NY 11937 1 09/29/95
11
604648600 05 11/01/95
17
604648600 O 11/01/24
0
1
1474869 074/728 F 366,000.00
ZZ
BROD ERNEST 360 365,543.43
1
400 EAST 56TH STREET 27N 8.375 2,781.87
60
8.125 2,781.87
610,000.00
NEW YORK NY 10022 1 12/08/95
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0380356973 13 02/01/96
0
1111020423 O 01/01/26
0
1474878 074/728 F 264,000.00
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CAPRIOGLIO LOUIS V 360 262,902.60
1
9 FERNDALE ROAD 8.000 1,937.14
80
7.750 1,937.14
330,000.00
CHATHAM TOWNSHI NJ 07928 1 08/10/95
00
0380355405 05 10/01/95
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0
1474898 074/728 F 261,000.00
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GRANET KENNETH M 360 260,509.91
1
8 ALBA LANE 8.375 1,983.79
77
8.125 1,983.79
339,942.00
WEST LONG BRANC NJ 07764 4 11/17/95
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0380354176 05 01/01/96
0
1500127885 O 12/01/25
0
1474900 074/728 F 240,050.00
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THOMPSON II EMMETT W 360 239,563.54
1
6221 PAINTED YELLOW GATE 8.000 1,761.41
95
7.750 1,761.41
252,688.00
COLUMBIA MD 21045 1 11/20/95
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0380354192 05 01/01/96
30
1500128640 O 12/01/25
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1474901 074/728 F 297,000.00
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SPURLOCK JOHN W 360 296,110.02
1
2043 CAROL ANN WAY 7.500 2,076.67
90
7.250 2,076.67
331,240.00
BETHLEHEM PA 18015 1 10/19/95
10
0380357252 05 12/01/95
25
1500129723 O 11/01/25
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1474908 074/728 F 350,000.00
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FAHAM MARK 360 349,552.11
1
1
1531 EAST 10TH STREET 8.250 2,629.43
77
8.000 2,629.43
460,000.00
BROOKLYN NY 11230 5 12/07/95
00
0380354127 05 02/01/96
0
1500135726 O 01/01/26
0
1474909 074/728 F 225,000.00
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BRITTON PATRICIA L 360 224,520.50
1
4865 MARIANNE DRIVE 7.750 1,611.93
88
7.500 1,611.93
255,849.00
MT AIRY MD 21771 1 11/17/95
10
0380353962 05 01/01/96
25
1500137856 O 12/01/25
0
1474917 074/728 F 266,000.00
ZZ
WILLOUGHBY SR CHARLES J 360 265,070.36
1
1745 NORTH PORTAL DRIVE NW 8.125 1,975.05
85
7.875 1,975.05
313,000.00
WASHINGTON DC 20012 1 11/30/95
11
0380357260 05 01/01/96
25
1500140340 O 12/01/25
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1474918 074/728 F 259,250.00
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LAI SUNNY S 360 258,918.23
1
1523 33RD AVENUE 8.250 1,947.66
78
8.000 1,947.66
335,000.00
SAN FRANCISCO CA 94122 2 12/14/95
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0380352758 05 02/01/96
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1500141300 O 01/01/26
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1474924 074/728 F 271,200.00
ZZ
HUSSEIN AZIZ A 360 270,664.19
1
11788 AVENIDA DEL SOL 8.125 2,013.65
80
7.875 2,013.65
339,000.00
NORTH RIDGE CA 91326 1 12/07/95
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0380354101 05 01/01/96
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1474926 074/728 F 291,500.00
ZZ
MONTI CYNTHIA A 360 291,087.20
1
115 ALBERT HILL ROAD 7.750 2,088.34
85
7.500 2,088.34
343,000.00
NEWTOWN CT 06482 1 12/08/95
04
0380354317 05 02/01/96
12
1
1500143826 O 01/01/26
0
1474931 074/728 F 260,000.00
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BLACKWELL EARL 360 259,486.33
1
7251 CHAMELEON WAY 8.125 1,930.49
84
7.875 1,930.49
310,000.00
SARASOTA FL 34241 2 11/30/95
14
0380352956 03 01/01/96
30
1503044490 O 12/01/25
0
1474935 074/728 F 285,000.00
ZZ
STEPHENS JR JOHN A 360 284,361.47
1
149 SEA ISLAND DRIVE 7.500 1,992.77
62
7.250 1,992.77
466,900.00
PONTE VEDRA BEA FL 32082 1 11/13/95
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0380352949 03 01/01/96
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1503072815 O 12/01/25
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1474951 074/728 F 287,500.00
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LLEWELLYN MATTHEW G 360 287,132.06
1
18302 45TH STREET EAST 8.250 2,159.90
89
8.000 2,159.90
325,000.00
SUMNER WA 98390 2 11/27/95
14
0380353533 03 02/01/96
25
1506069318 O 01/01/26
0
1474967 074/728 F 315,000.00
ZZ
MARIANI RON 360 314,393.25
1
7711 DAVIN PARK DRIVE 8.250 2,366.49
90
8.000 2,366.49
350,000.00
BAKERSFIELD CA 93308 1 11/17/95
10
0380356452 03 01/01/96
25
1507075178 O 12/01/25
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1474969 074/728 F 319,500.00
ZZ
MELTZER NATHAN 360 318,930.02
1
1068 CALLE MESITA 8.625 2,485.04
90
8.375 2,485.04
355,000.00
BONITA CA 91902 1 11/21/95
11
0380355611 05 01/01/96
25
1507076374 O 12/01/25
0
1
1474975 074/728 F 219,200.00
ZZ
PADRE RONALDO G 360 218,881.70
1
3329 VERNICE AVENUE 7.625 1,551.48
80
7.375 1,551.48
274,000.00
SAN JOSE CA 95127 2 12/04/95
00
0380352535 05 02/01/96
0
1507081148 O 01/01/26
0
1474976 074/728 F 272,000.00
ZZ
ALFORD CRAIG S 360 271,605.01
1
1438 LENNOX LANE 7.625 1,925.20
63
7.375 1,925.20
435,500.00
LIVERMORE CA 94550 2 12/12/95
00
0380352584 05 02/01/96
0
1507081250 O 01/01/26
0
1474980 074/728 F 324,000.00
ZZ
PUSCIZNA DAVID 360 323,541.16
1
18542 ROSENAU CIRCLE 7.750 2,321.18
80
7.500 2,321.18
405,000.00
VILLA PARK CA 92667 2 12/28/95
00
0380352592 05 02/01/96
0
1507083370 O 01/01/26
0
1474995 074/728 F 640,000.00
ZZ
MCKINLEY THOMAS G 360 639,116.23
1
4001 CANYON COURT 7.875 4,640.44
80
7.625 4,640.44
800,000.00
PARADISE VALLEY AZ 85253 1 12/12/95
00
0380352881 03 02/01/96
0
1510035761 O 01/01/26
0
1474996 074/728 F 280,000.00
ZZ
WALKER THOMAS L 360 279,623.00
1
7911 MEADOW LAKE 8.000 2,054.54
73
7.750 2,054.54
388,000.00
HOUSTON TX 77063 2 12/12/95
00
0380352923 05 02/01/96
0
1510036094 O 01/01/26
0
1475003 074/728 F 250,000.00
ZZ
OLSON ROBERT D 360 249,819.05
1
1003 HARRISON AVENUE 7.625 1,769.49
60
7.375 1,769.49
420,000.00
1
REDWOOD CITY CA 94062 1 01/08/96
00
0380355512 05 03/01/96
0
1561305310 O 02/01/26
0
1475004 074/728 F 250,300.00
ZZ
HICKEL RANDY 360 249,927.31
1
200 EDINBURGH CIRCLE 7.500 1,750.14
48
7.250 1,750.14
527,500.00
DANVILLE CA 94526 2 12/13/95
00
0380354895 03 02/01/96
0
1561308486 O 01/01/26
0
1475008 074/728 F 500,000.00
ZZ
MEDEL RICARDO F 360 499,291.92
1
48432 AVALON HEIGHTS TERRACE 7.750 3,582.07
80
7.500 3,582.07
630,000.00
FREMONT CA 94539 1 12/14/95
00
0380353228 03 02/01/96
0
1561311130 O 01/01/26
0
1475012 074/728 F 224,000.00
ZZ
MANZANO ROMEO L 360 223,713.34
1
3318 WOODSIDE LANE 8.250 1,682.84
80
8.000 1,682.84
280,000.00
SAN JOSE CA 95121 2 12/12/95
00
0380354556 05 02/01/96
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1561311946 O 01/01/26
0
1475032 074/728 F 357,600.00
ZZ
JAGLA MICHAEL M 360 357,093.57
1
5220 APENNINES CIRCLE 7.750 2,561.90
80
7.500 2,561.90
447,000.00
SAN JOSE CA 95138 1 12/15/95
00
0380354655 03 02/01/96
0
1561314300 O 01/01/26
0
1475034 074/728 F 240,000.00
ZZ
SIMPSON ELIAS A 360 238,636.40
1
1767 EL CODO WAY 7.500 1,678.12
80
7.250 1,678.12
300,000.00
SAN JOSE CA 95124 1 12/06/95
00
0380352527 05 02/01/96
0
1561314354 O 01/01/26
0
1
1475042 074/728 F 315,000.00
ZZ
HSUEH SHIH-CHEN 360 314,377.63
1
40963 FERREIRA PLACE 8.125 2,338.87
59
7.875 2,338.87
540,000.00
FREMONT CA 94539 2 11/22/95
00
0380352212 05 01/01/96
0
1561314707 O 12/01/25
0
1475043 074/728 F 270,500.00
ZZ
DARGO JR DAVID R 360 270,116.93
1
510 OSPREY DRIVE 7.750 1,937.90
75
7.500 1,937.90
360,726.00
REDWOOD CITY CA 94065 1 12/01/95
00
0380352345 03 02/01/96
0
1561314730 O 01/01/26
0
1475044 074/728 F 574,000.00
ZZ
MISRA MADHAV 360 573,227.15
1
233 ELDRIDGE AVENUE 8.000 4,211.81
79
7.750 4,211.81
730,000.00
MILL VALLEY CA 94941 2 12/05/95
00
0380354150 05 02/01/96
0
1561314773 O 01/01/26
0
1475048 074/728 F 224,550.00
ZZ
POSCHMAN WILLIAM A 360 224,232.00
1
9 MARGATE CIRCLE 7.750 1,608.71
87
7.500 1,608.71
260,000.00
PLEASANT HILL CA 94523 2 12/01/95
01
0380353889 03 02/01/96
25
1561314955 O 01/01/26
0
1475049 074/728 F 295,000.00
ZZ
FEENEY STUART M 360 294,592.63
1
20350 VIA PORTOFINO 7.875 2,138.96
67
7.625 2,138.96
445,000.00
CUPERTINO CA 95014 1 12/12/95
00
0380353152 03 02/01/96
0
1561314999 O 01/01/26
0
1475050 074/728 F 229,600.00
ZZ
GILES MICHAEL R 360 229,258.14
1
1
1552 MIZZEN LANE 7.500 1,605.40
80
7.250 1,605.40
287,000.00
HALF MOON BAY CA 94019 1 12/06/95
00
0380352808 05 02/01/96
0
1561315051 O 01/01/26
0
1475067 074/728 F 254,000.00
ZZ
CEVELLO RANDALL W 360 253,674.95
1
181 HILLTOP CRESCENT 8.250 1,908.22
75
8.000 1,908.22
340,000.00
WALNUT CREEK CA 94596 2 12/13/95
00
0380352337 05 02/01/96
0
1561315801 O 01/01/26
0
1475070 074/728 F 346,000.00
ZZ
MAKER II EDWARD 360 345,497.55
1
604 SAND HILL CIRCLE 7.625 2,448.97
74
7.375 2,448.97
471,000.00
MENLO PARK CA 94025 1 12/08/95
00
0380352576 07 02/01/96
0
1561315925 O 01/01/26
0
1475074 074/728 F 453,750.00
ZZ
ALEXANDER SUSAN 360 453,413.25
2
345-347 HILL STREET 7.500 3,172.69
75
7.250 3,172.69
605,000.00
SAN FRANCISCO CA 94114 1 01/05/96
00
0380355439 05 03/01/96
0
1561316021 O 02/01/26
0
1475078 074/728 F 420,000.00
ZZ
DISCHER JR DAVID P 360 419,405.21
1
176 SWETT ROAD 7.750 3,008.94
70
7.500 3,008.94
600,000.00
WOODSIDE CA 94062 1 12/19/95
00
0380355678 05 02/01/96
0
1561316225 O 01/01/26
0
1475079 074/728 F 376,000.00
ZZ
IMAI JAMES 360 375,467.51
1
272 DRAEGER DRIVE 7.750 2,693.72
80
7.500 2,693.72
470,000.00
MORAGA CA 94556 1 12/13/95
00
0380353178 05 02/01/96
0
1
1561316316 O 01/01/26
0
1475084 074/728 F 625,000.00
ZZ
HALL STEPHEN M 360 624,136.92
1
677 KNOLL DRIVE 7.875 4,531.69
72
7.625 4,531.69
875,000.00
SAN CARLOS CA 94070 1 12/14/95
00
0380353285 05 02/01/96
0
1561316495 O 01/01/26
0
1475088 074/728 F 300,000.00
ZZ
SOLOMON DAVID 360 299,803.75
1
9 BLUE ROCK COURT 8.125 2,227.50
78
7.875 2,227.50
388,000.00
CORTE MADERA CA 94925 2 01/01/96
00
0380354226 05 03/01/96
0
1561317090 O 02/01/26
0
1475089 074/728 F 249,000.00
ZZ
ALLMEN CHERYL A 360 248,824.25
1
1470 NESBIT COURT 7.750 1,783.87
75
7.500 1,783.87
334,000.00
SAN JOSE CA 95120 1 01/01/96
00
0380352642 05 03/01/96
0
1561317160 O 02/01/26
0
1475094 074/728 F 420,000.00
ZZ
CREASON JR RICHARD R 360 419,732.18
1
205 WALTER HAYS DRIVE 8.250 3,155.32
78
8.000 3,155.32
545,000.00
PALO ALTO CA 94303 2 01/10/96
00
0380352543 05 03/01/96
0
1561317862 O 02/01/26
0
1475097 074/728 F 300,000.00
ZZ
HOBBS BARRY F 360 299,606.17
1
602 CAMINO VERDE 8.125 2,227.50
60
7.875 2,227.50
500,000.00
THOUSAND OAKS A CA 91360 2 12/05/95
00
0380354523 05 02/01/96
0
1562136310 O 01/01/26
0
1
1475100 074/728 F 318,000.00
ZZ
TAKASUKA RANDOLPH 360 314,730.96
1
17071 WESTPORT DRIVE 7.875 2,305.73
80
7.625 2,305.73
402,000.00
HUNTINGTON BEAC CA 92649 1 11/22/95
00
0380353913 05 01/01/96
0
1562140951 O 12/01/25
0
1475102 074/728 F 236,000.00
ZZ
PALEY RAY A 360 235,437.66
1
1618 STANFORD AVENUE 8.125 1,752.30
80
7.875 1,752.30
295,000.00
REDONDO BEACH CA 90278 5 11/21/95
00
0380355389 05 01/01/96
0
1562141310 O 12/01/25
0
1475107 074/728 F 248,000.00
ZZ
LA PORTE DAN A 360 247,471.48
1
36 MALLORCA 7.750 1,776.71
80
7.500 1,776.71
310,000.00
FOOTHILL RANCH CA 92610 1 11/29/95
00
0380357005 03 01/01/96
0
1562142946 O 12/01/25
0
1475109 074/728 F 236,700.00
ZZ
HALEBLIAN HERAG 360 236,381.28
1
2670 LAMBERT DRIVE 8.000 1,736.83
90
7.750 1,736.83
263,000.00
PASADENA CA 91107 1 12/05/95
11
0380353053 05 02/01/96
25
1562143202 O 01/01/26
0
1475111 074/728 F 268,000.00
ZZ
MONAHAN PATRICK W 360 267,629.91
1
2744 CORAL RIDGE ROAD 7.875 1,943.19
49
7.625 1,943.19
550,000.00
RANCHO PALOS VE CA 90275 5 12/04/95
00
0380353509 05 02/01/96
0
1562143723 O 01/01/26
0
1475114 074/728 F 326,050.00
ZZ
RICHARD DENNIS L 360 325,599.75
1
5605 STAR VIEW 7.875 2,364.09
80
7.625 2,364.09
407,591.00
1
EL PASO TX 79912 1 12/15/95
00
0380354291 05 02/01/96
0
1563108069 O 01/01/26
0
1475127 074/728 F 262,000.00
ZZ
RUBIN RANDALL J 360 261,647.22
1
5261 CAMINITO EXQUISITO 8.000 1,922.47
90
7.750 1,922.47
291,292.00
SAN DIEGO CA 92130 1 12/07/95
10
0380354077 03 02/01/96
25
1567137411 O 01/01/26
0
1475135 074/728 F 252,000.00
ZZ
ZYNKIAN RONALD J 360 251,685.63
1
15695 QUIET VALLEY LANE 8.375 1,915.39
85
8.125 1,915.39
297,000.00
POWAY CA 92064 1 12/01/95
10
0380353475 05 02/01/96
12
1567143174 O 01/01/26
0
1475137 074/728 F 260,000.00
ZZ
KAISER ERIC J 360 259,683.86
1
1910 MOUNTAIN VALLEY LANE 8.500 1,999.18
69
8.250 1,999.18
380,000.00
ESCONDIDO CA 92029 5 12/11/95
00
0380353830 05 02/01/96
0
1567143403 O 01/01/26
0
1475144 074/728 F 294,000.00
ZZ
YOUNG WILLIAM R 360 293,604.14
1
9460 LA JOLLA SHORES DRIVE 8.000 2,157.27
64
7.750 2,157.27
460,000.00
SAN DIEGO CA 92037 2 12/08/95
00
0380353939 05 02/01/96
0
1567144508 O 01/01/26
0
1475145 074/728 F 279,000.00
ZZ
DEMEYER ANDREW J 360 278,604.87
1
3541 WILCOX STREET 7.750 1,998.80
90
7.500 1,998.80
310,000.00
SAN DIEGO CA 92106 2 12/15/95
12
0380353194 05 02/01/96
25
1567144847 O 01/01/26
0
1
1475148 074/728 F 418,800.00
ZZ
PEERBOOM MICHAEL C 360 418,221.66
1
8601 EAST REMUDA DRIVE 7.875 3,036.60
80
7.625 3,036.60
525,000.00
SCOTTSDALE AZ 85255 1 12/26/95
00
0380352626 03 02/01/96
0
1569121503 O 01/01/26
0
1475153 074/728 F 316,000.00
ZZ
ALLEN ROBERT L 360 315,585.16
1
4715 WILLOW STREET 8.125 2,346.30
80
7.875 2,346.30
395,000.00
BELLAIRE TX 77401 1 12/13/95
00
0380355629 05 02/01/96
0
1571116277 O 01/01/26
0
1475158 074/728 F 320,000.00
ZZ
GUZMAN RAYMOND A 360 319,546.84
1
7029 FAUGHT ROAD 7.750 2,292.52
48
7.500 2,292.52
675,000.00
SANTA ROSA CA 95403 5 12/05/95
00
0380352311 05 02/01/96
0
1573133368 O 01/01/26
0
1475159 074/728 F 332,000.00
ZZ
CHERRY JR WILLIAM B 360 331,529.84
1
839 WEST SAN BERNADINO AVENUE 7.750 2,378.49
72
7.500 2,378.49
465,000.00
S LAKE TAHOE CA 96150 2 12/08/95
00
0380354705 05 02/01/96
0
1573133890 O 01/01/26
0
1475165 074/728 F 327,350.00
ZZ
LIU JESAN 360 326,897.95
1
17 WATERCREST COURT 7.875 2,373.52
77
7.625 2,373.52
427,000.00
SACRAMENTO CA 95831 2 12/14/95
00
0380352634 05 02/01/96
0
1573136479 O 01/01/26
0
1475166 074/728 F 228,000.00
ZZ
MCLAGGAN ROBERT E 360 227,685.15
1
1
8207 LAKELAND DRIVE 7.875 1,653.16
80
7.625 1,653.16
285,000.00
GRANITE BAY CA 95746 1 12/22/95
00
0380352600 05 02/01/96
0
1573136923 O 01/01/26
0
1475170 074/728 F 280,000.00
ZZ
MANNING JAMES F 360 279,641.67
1
2625 NE RIDGEWOOD DRIVE 8.250 2,103.55
80
8.000 2,103.55
350,000.00
PORTLAND OR 97212 1 12/19/95
00
0380352436 05 02/01/96
0
1575012728 O 01/01/26
0
1475173 074/728 F 335,000.00
ZZ
KESSLER SCOTT A 360 334,041.77
1
3390 SE REED COLLEGE PLACE 7.750 2,399.99
70
7.500 2,399.99
480,000.00
PORTLAND OR 97202 2 12/20/95
00
0380355371 05 02/01/96
0
1575013403 O 01/01/26
0
1475177 074/728 F 227,250.00
ZZ
LEAK JAMES M 360 226,928.18
1
4300 AMESBURY LANE 7.750 1,628.05
75
7.500 1,628.05
303,000.00
DURHAM NC 27707 2 12/22/95
00
0380352998 05 02/01/96
0
1577025040 O 01/01/26
0
1475179 074/728 F 250,000.00
ZZ
MENAKER SCOTT A 360 249,645.94
1
4610 ASHRIDGE DRIVE 7.750 1,791.04
79
7.500 1,791.04
319,327.00
CHARLOTTE NC 28226 1 12/14/95
00
0380352931 03 02/01/96
0
1577025833 O 01/01/26
0
1475185 074/728 F 288,000.00
ZZ
WITHROW STEWART J 360 287,631.44
1
26 HENDERSON LANE 8.250 2,163.65
80
8.000 2,163.65
360,000.00
HANOVER MA 02339 1 12/08/95
00
0380353004 05 02/01/96
0
1
1580023097 O 01/01/26
0
1475190 074/728 F 272,000.00
ZZ
DENNING MICHAEL S 360 271,651.91
1
12A BROAD COVE WOODS 8.250 2,043.45
80
8.000 2,043.45
340,000.00
YARMOUTH ME 04096 5 12/15/95
00
0380354887 05 02/01/96
0
1580024985 O 01/01/26
0
1475191 074/728 F 300,000.00
ZZ
SHULKIN MARTIN B 360 299,606.17
1
23 COUNTRY WAY 8.125 2,227.50
43
7.875 2,227.50
700,000.00
WESTON MA 02193 5 12/19/95
00
0380353582 05 02/01/96
0
1580025081 O 01/01/26
0
1475196 074/728 F 294,400.00
ZZ
DILACQUA JR JOHN T 360 293,861.13
1
5323 BRENTWOOD COURT 8.500 2,263.69
80
8.250 2,263.69
368,000.00
HIGHLAND HTS OH 44143 2 11/30/95
00
0380353046 05 01/01/96
0
1581028493 O 12/01/25
0
1475203 074/728 F 270,000.00
ZZ
MATE STANLEY S 360 269,671.70
1
563 N MAIN STREET 8.500 2,076.07
64
8.250 2,076.07
425,000.00
GLEN ELLYN IL 60137 2 12/18/95
00
0380354143 05 02/01/96
0
1583014944 O 01/01/26
0
1475205 074/728 F 241,500.00
ZZ
DAHLGREN KENT T 360 241,174.82
1
874 MARYKNOLL DRIVE 8.000 1,772.05
80
7.750 1,772.05
301,900.00
GLEN ELLYN IL 60137 1 12/28/95
00
0380353608 05 02/01/96
0
1583015459 O 01/01/26
0
1
1475208 074/728 F 140,000.00
ZZ
VITOVIC PAUL 360 139,730.32
1
22 MCCLOUD LANE 8.250 1,051.78
44
8.000 1,051.78
325,000.00
SPARTA NJ 07871 2 11/30/95
00
0380353202 05 01/01/96
0
1584013776 O 12/01/25
0
1475220 074/728 F 472,000.00
ZZ
EPSTEIN MICHAEL S 360 471,348.21
1
893 LYNCH DRIVE 7.875 3,422.33
80
7.625 3,422.33
590,000.00
ARNOLD MD 21012 1 12/07/95
00
0380352972 05 02/01/96
0
1587019633 O 01/01/26
0
1475225 635/635 F 60,000.00
T
HILLMANN CARL H 353 59,548.52
1
30 DEVON ROAD 8.375 458.08
28
8.125 458.08
215,988.00
AMAGANSETT NY 11930 4 08/11/95
00
606925600 05 09/01/95
0
606925600 O 01/01/25
0
1475232 074/728 F 468,750.00
ZZ
DIGIACOMO WAYNE P 360 468,194.51
1
4131 NE 24 AVENUE 8.625 3,645.89
75
8.375 3,645.89
625,000.00
LIGHTHOUSE POIN FL 33064 5 12/22/95
00
0380353541 05 02/01/96
0
1592021394 O 01/01/26
0
1475240 074/728 F 277,425.00
ZZ
WALLIS PETER H 360 277,234.08
1
355 HEATHS BRIDGE ROAD 7.875 2,011.52
78
7.625 2,011.52
360,000.00
CONCORD MA 01742 2 01/04/96
00
0380355694 05 03/01/96
0
1813066020 O 02/01/26
0
1475242 074/728 F 283,500.00
ZZ
BOSAK WILLIAM S 360 283,098.53
1
15 DEERFIELD DRIVE 7.750 2,031.03
89
7.500 2,031.03
319,000.00
1
EASTON CT 06612 1 12/29/95
21
0380355603 05 02/01/96
25
1817071838 O 01/01/26
0
1475252 025/025 F 370,000.00
ZZ
THOMASON III R B 360 369,489.06
1
524 KNOBVIEW DRIVE 7.875 2,682.76
72
7.625 2,682.76
515,000.00
WINSTON SALEM NC 27104 1 12/15/95
00
564505 05 02/01/96
0
564505 O 01/01/26
0
1475263 253/253 F 256,800.00
ZZ
MILLER PRESTON 360 256,605.00
1
1505 PEMBROOK CT 7.500 1,795.59
80
7.250 1,795.59
321,000.00
KELLER TX 76248 2 01/31/96
00
313177 05 03/01/96
0
313177 O 02/01/26
0
1475266 450/728 F 284,000.00
ZZ
GRECO JR. JOHN T 360 283,799.56
1
2283 CARMELITA DRIVE 7.750 2,034.61
80
7.500 2,034.61
355,000.00
SAN CARLOS CA 94070 1 01/17/96
00
0380353657 05 03/01/96
0
3963717 O 02/01/26
0
1475268 450/728 F 283,200.00
ZZ
BORAZJANI GHOLAMREZ 360 283,019.41
1
3551 DAFFODIL CIRCLE 8.250 2,127.59
80
8.000 2,127.59
354,000.00
SEAL BEACH CA 90740 2 01/16/96
00
0380369844 05 03/01/96
0
3961653 O 02/01/26
0
1475269 450/728 F 388,000.00
ZZ
CARICO RENATA K 360 387,732.98
1
1398 BEDFORD AVENUE 7.875 2,813.27
75
7.625 2,813.27
520,000.00
SUNNYVALE CA 94087 2 01/17/96
00
0380353632 03 03/01/96
0
3964756 O 02/01/26
0
1
1475333 E61/728 F 295,000.00
ZZ
PERLMAN EDWARD 360 295,000.00
1
30 CLUBHOUSE ROAD 8.125 2,190.37
50
7.875 2,190.37
595,000.00
SANTA CRUZ CA 95060 1 02/14/96
00
0380349143 05 04/01/96
0
11690 O 03/01/26
0
1475362 943/943 F 885,000.00
ZZ
MILLS DON F 360 883,714.85
1
12 SEVENOAKS 7.625 6,263.98
71
7.375 6,263.98
1,250,000.00
IRVINE CA 92715 2 12/16/95
00
5050010623 03 02/01/96
0
5050010623 O 01/01/26
0
1475369 943/943 F 215,000.00
ZZ
RITCHIE DAVID 360 214,855.73
1
1940 BROOKDALE AVENUE 8.000 1,577.60
67
7.750 1,577.60
325,000.00
LA HABRA CA 90631 2 12/28/95
00
5050011666 05 03/01/96
0
5050011666 O 02/01/26
0
1475376 943/943 F 310,000.00
ZZ
MARSELLA PETER 360 309,593.05
1
17 CAMERON DRIVE 8.125 2,301.75
12
7.875 2,301.75
2,800,000.00
GREENWICH CT 06831 2 12/13/95
00
5070011040 05 02/01/96
0
5070011040 O 01/01/26
0
1475378 943/943 F 341,950.00
ZZ
KLEIN MICHAEL E 360 341,112.54
1
2436 LOS OLIVOS LANE 8.500 2,629.30
90
8.250 2,629.30
380,000.00
LA CRESCENTA CA 91214 2 10/30/95
10
5090014038 05 12/01/95
25
5090014038 O 11/01/25
0
1475384 943/943 F 550,000.00
ZZ
HOLTKAMP DIEDRICH 360 549,611.81
1
1
7701 SHORE ROAD 7.750 3,940.27
80
7.500 3,940.27
690,000.00
BROOKLYN NY 11209 1 01/02/96
00
5512400266 05 03/01/96
0
5512400266 O 02/01/26
0
1475385 943/943 F 226,000.00
ZZ
VEGAS PETER M 360 225,836.42
1
170 MELANIE DRIVE 7.625 1,599.62
80
7.375 1,599.62
285,000.00
EAST MEADOW NY 11554 2 01/10/96
00
5513000291 05 03/01/96
0
5513000291 O 02/01/26
0
1475393 943/943 F 516,000.00
ZZ
SALKHI ALI 360 515,250.69
1
10 BAY WAY 7.625 3,652.22
65
7.375 3,652.22
800,000.00
SAN RAFAEL CA 94901 2 12/22/95
00
5532600191 05 02/01/96
0
5532600191 O 01/01/26
0
1475399 943/943 F 232,500.00
ZZ
RHODEN JOAN C 360 232,331.71
1
8101 TRIPP AVENUE 7.625 1,645.63
75
7.375 1,645.63
310,000.00
SKOKIE IL 60076 2 01/19/96
00
5544000171 05 03/01/96
0
5544000171 O 02/01/26
0
1475401 943/943 F 358,500.00
ZZ
FISHER ROBERT 300 358,091.34
1
15 DEVOE PLACE 7.500 2,649.29
77
7.250 2,649.29
470,000.00
CHAPPAQUA NY 10514 2 01/04/96
00
5550600241 05 03/01/96
0
5550600241 O 02/01/21
0
1475415 450/728 F 243,500.00
ZZ
DIALYNAS NICK P 360 243,344.73
1
4548 EAST BRADFORD AVENUE 8.250 1,829.33
72
8.000 1,829.33
340,000.00
ORANGE CA 92667 2 01/22/96
00
0380353590 03 03/01/96
0
1
3964475 O 02/01/26
0
1475426 369/728 F 315,000.00
ZZ
LA VAY DONALD E 360 314,788.64
1
7160 ODALITE LANDING ROAD 8.000 2,311.36
90
7.750 2,311.36
350,000.00
GLOUCESTER VA 23061 2 01/26/96
12
0380344318 03 03/01/96
25
48547509 O 02/01/26
0
1475439 450/728 F 336,000.00
ZZ
PAULL ROBERT C 360 335,762.85
2
2534 & 2536 EAST 1ST STREET 7.750 2,407.15
80
7.500 2,407.15
420,000.00
LONG BEACH CA 90803 1 01/09/96
00
0380357369 05 03/01/96
0
3964426 O 02/01/26
0
1475444 375/728 F 271,400.00
ZZ
BRAINERD TIMOTHY A 360 271,213.22
1
4804 E PALO BREA LANE 7.875 1,967.84
95
7.625 1,967.84
287,883.00
CAVE CREEK AZ 85331 1 01/22/96
04
0380344953 03 03/01/96
25
602171 O 02/01/26
0
1475448 B91/728 F 380,000.00
ZZ
ZUKERMAN RIVKA S 360 379,757.68
1
2976 CORTE HERMOSA 8.250 2,854.82
79
8.000 2,854.82
487,000.00
NEWPORT BEACH CA 92660 2 01/18/96
00
0380345349 03 03/01/96
0
1960100591 O 02/01/26
0
1475449 685/728 F 419,000.00
ZZ
ARNOLD JAMES B 360 418,704.27
1
1930 PORT RAMSGATE PLACE 7.750 3,001.77
77
7.500 3,001.77
550,000.00
NEWPORT BEACH CA 92660 5 01/26/96
00
0380346818 03 03/01/96
0
103303 O 02/01/26
0
1
1475452 664/728 F 360,000.00
ZZ
MARTIN MICHAEL A 360 359,739.44
1
351 SANTA ANA AVENUE 7.625 2,548.06
90
7.375 2,548.06
400,000.00
LONG BEACH CA 90803 2 01/15/96
12
0380347543 05 03/01/96
25
2063790 O 02/01/26
0
1475453 559/728 F 233,500.00
ZZ
JUST RICHARD C 360 233,339.30
1
3860 COUNTRY ESTATES DRIVE 7.875 1,693.04
82
7.625 1,693.04
285,000.00
COTTONWOOD CA 96022 2 01/19/96
10
0380349127 05 03/01/96
12
0446377 O 02/01/26
0
1475456 736/728 F 636,000.00
ZZ
BECHLER ERIC 360 635,583.97
1
2209 CLIFF DRIVE 8.125 4,722.28
80
7.875 4,722.28
795,000.00
NEWPORT BEACH CA 92663 1 01/29/96
00
0380347220 05 03/01/96
0
457834 O 02/01/26
0
1475460 B74/728 F 240,000.00
ZZ
BASSO MICHAEL 360 240,000.00
1
6004 EASTWOOD AVENUE 7.750 1,719.39
80
7.500 1,719.39
300,000.00
RANCHO CUCAMONG CA 91737 1 02/01/96
00
0380346941 05 04/01/96
0
960233 O 03/01/26
0
1475461 698/698 F 357,500.00
ZZ
LIM SUN K 360 357,260.12
1
2450 TUSCANY WAY 8.000 2,623.21
80
7.750 2,623.21
446,927.00
FULLERTON CA 92631 1 01/15/96
00
9551920 03 03/01/96
0
9551920 O 02/01/26
0
1475462 736/728 F 313,000.00
ZZ
BRENNAN BRIAN C 360 313,000.00
1
1536 SYLVIA LANE 8.250 2,351.46
72
8.000 2,351.46
440,000.00
1
NEWPORT BEACH CA 92660 2 02/02/96
00
0380344920 05 04/01/96
0
457664 O 03/01/26
0
1475463 506/728 F 202,000.00
ZZ
BERNHEIMER ROBERT A 360 202,000.00
1
45715 CHOLAME WAY 7.625 1,429.74
65
7.375 1,429.74
315,000.00
INDIAN WELLS CA 92201 1 01/30/96
00
0380345323 05 04/01/96
0
070026729 O 03/01/26
0
1475467 506/728 F 90,150.00
ZZ
FREEMAN JEFFREY 360 90,083.10
1
384 TAVA LANE 7.500 630.34
95
7.250 630.34
94,900.00
PALM DESERT CA 92260 1 01/25/96
01
0380347865 09 03/01/96
30
070026661 O 02/01/26
0
1475470 744/728 F 486,400.00
ZZ
ANDRESEN ERIC R 360 486,089.84
1
8 WINDELER COURT 8.250 3,654.16
80
8.000 3,654.16
608,000.00
MORAGA CA 94556 1 01/24/96
00
0380344391 05 03/01/96
0
75380 O 02/01/26
0
1475481 232/232 F 274,400.00
ZZ
WILLIAMS A K 360 274,048.84
1
30 SADDLEBROOK DRIVE 8.250 2,061.48
80
8.000 2,061.48
343,000.00
HOUSTON TX 77024 1 12/22/95
00
10832771 03 02/01/96
0
10832771 O 01/01/26
0
1475485 560/560 F 224,168.15
ZZ
NELSON GEORGE B 299 223,728.70
1
3510 EMERSON DRIVE 8.500 1,806.81
76
8.250 1,806.81
297,000.00
ROSEVILLE CA 95661 1 12/05/95
00
217584531 03 02/01/96
0
217584531 O 12/01/20
0
1
1475486 560/560 F 214,785.47
ZZ
YUSKO JOHN H 320 214,607.96
1
13635 CHESTERFIELD DRIVE 8.500 1,698.91
77
8.250 1,698.91
280,000.00
MOORPARK CA 93021 1 12/14/95
00
220426720 03 03/01/96
0
220426720 O 10/01/22
0
1475487 560/560 F 497,805.59
ZZ
WYANT ANTHONY 307 495,724.31
1
1861 W MOUNTAIN ST 9.125 4,195.37
75
8.875 4,195.37
670,000.00
GLENDALE CA 91201 1 08/10/95
00
320074438 05 11/01/95
0
320074438 O 05/01/21
0
1475489 560/560 F 423,250.00
ZZ
RODDEL THOMAS W 360 422,680.12
1
11611 HEATHCLIFF DRIVE 8.000 3,105.66
80
7.750 3,105.66
529,100.00
SANTA ANA CA 92705 1 12/18/95
00
450305719 05 02/01/96
0
450305719 O 01/01/26
0
1475490 560/560 F 625,000.00
ZZ
STUBBS MICHAEL E 360 624,136.94
1
10581 LAKEVIEW ROAD 7.875 4,531.68
58
7.625 4,531.68
1,085,000.00
YUCAIPA CA 92399 2 12/21/95
00
450305917 05 02/01/96
0
450305917 O 01/01/26
0
1475491 560/560 F 220,000.00
T
RUTZICK YALE 240 219,195.54
1
1172 DEEPAK ROAD 8.125 1,857.32
74
7.875 1,857.32
300,000.00
PALM SPRINGS CA 92262 2 12/20/95
00
450305925 05 02/01/96
0
450305925 O 01/01/16
0
1475492 560/560 F 255,685.00
ZZ
QUACKENBUSH WILLIAM G 360 255,331.93
1
1
9538 CAMELOT DRIVE 7.875 1,853.89
95
7.625 1,853.89
269,143.00
WINDSOR CA 95492 1 12/19/95
10
450306030 05 02/01/96
30
450306030 O 01/01/26
0
1475493 560/560 F 242,000.00
ZZ
BRUNNER STEPHEN S 360 241,665.82
1
16670 HAMLIN COURT 7.875 1,754.67
90
7.625 1,754.67
268,900.00
RAMONA CA 92065 1 12/26/95
10
450306238 03 02/01/96
25
450306238 O 01/01/26
0
1475494 560/560 F 465,600.00
ZZ
SADIK ZUBAIDA 360 464,940.64
1
WALNUT GROVE 7.750 3,335.62
80
7.500 3,335.62
582,000.00
COLTS NECK NJ 07722 1 12/29/95
00
450306675 05 02/01/96
0
450306675 O 01/01/26
0
1475495 560/560 F 260,000.00
ZZ
MCCARTHY JOSEPH K 360 259,612.87
1
9 CHERRYDALE ROAD 7.500 1,817.96
80
7.250 1,817.96
325,036.00
GLEN MILLS PA 19342 1 12/29/95
00
450306998 03 02/01/96
0
450306998 O 01/01/26
0
1475496 560/560 F 288,000.00
ZZ
COLE ALICE B 360 287,621.94
1
568 ARCH PLACE 8.125 2,138.39
80
7.875 2,138.39
360,000.00
GLENDALE CA 91206 1 12/21/95
00
450307517 05 02/01/96
0
450307517 O 01/01/26
0
1475498 560/560 F 228,000.00
ZZ
ZISSOU SALLY 360 227,685.15
1
255-27 IOWA ROAD 7.875 1,653.16
95
7.625 1,653.16
240,000.00
GREAT NECK NY 11021 1 12/29/95
10
450309885 05 02/01/96
30
1
450309885 O 01/01/26
0
1475499 560/560 F 535,000.00
ZZ
HELLER WILLIAM P 360 534,315.35
1
301 LAKE SHORE 8.250 4,019.28
67
8.000 4,019.28
800,000.00
GROSSE POINTE F MI 48236 1 12/28/95
00
450310032 05 02/01/96
0
450310032 O 01/01/26
0
1475500 560/560 F 270,000.00
ZZ
GONZALES PAUL V 360 269,597.99
1
1721 OLD HOMESTEAD 7.500 1,887.88
80
7.250 1,887.88
337,500.00
ROCHESTER MI 48306 1 12/29/95
00
450310057 05 02/01/96
0
450310057 O 01/01/26
0
1475501 560/560 F 376,000.00
ZZ
STYRLUND KENNETH A 360 375,734.62
1
9445 OLYMPIA DRIVE 7.750 2,693.71
84
7.500 2,693.71
450,000.00
EDEN PRAIRIE MN 55347 1 01/03/96
04
450311188 05 03/01/96
25
450311188 O 02/01/26
0
1475502 560/560 F 238,000.00
ZZ
MILLS LAWREENCEA 360 237,662.96
1
1145 HARRISON STREET 7.750 1,705.06
73
7.500 1,705.06
330,000.00
MONTEREY CA 93940 2 12/15/95
00
450311378 05 02/01/96
0
450311378 O 01/01/26
0
1475503 560/560 F 210,700.00
ZZ
DEMPSEY DANIEL M 360 210,416.31
1
725 AMBERWOOD COURT 8.000 1,546.04
74
7.750 1,546.04
286,000.00
TROY MI 48098 2 12/28/95
00
450311592 05 02/01/96
0
450311592 O 01/01/26
0
1
1475504 560/560 F 208,000.00
ZZ
ACHESON JR MATTHEW R 360 207,626.29
1
18430 AMIE AVENUE 8.125 1,544.39
87
7.875 1,544.39
240,000.00
TORRANCE CA 90504 2 12/12/95
04
450311899 05 02/01/96
25
450311899 O 01/01/26
0
1475505 560/560 F 217,500.00
ZZ
HELLAND ERIC C 360 217,207.05
1
205 WINDY HILL ROAD 7.750 1,558.20
75
7.500 1,558.20
290,000.00
WISCONSIN DELLS WI 53965 2 01/04/96
00
450313283 05 03/01/96
0
450313283 O 02/01/26
0
1475506 560/560 F 312,000.00
ZZ
RICHARDSON JR ELLIS 360 311,779.79
1
8674 TWILIGHT TEAR LANE 7.750 2,235.21
76
7.500 2,235.21
412,000.00
CINCINNATI OH 45249 1 01/09/96
00
450313721 03 03/01/96
0
450313721 O 02/01/26
0
1475507 560/560 F 263,900.00
ZZ
BOEHME RICHARD E 360 263,718.38
1
221 STRATFORD DRIVE 7.875 1,913.46
80
7.625 1,913.46
329,900.00
CHAPEL HILL NC 27516 1 01/05/96
00
450314265 03 03/01/96
0
450314265 O 02/01/26
0
1475509 560/560 F 228,000.00
ZZ
METZGER ALAN W 360 227,854.61
1
47 DEERTRAIL RD 8.250 1,712.89
95
8.000 1,712.89
240,000.00
NORTH CALDWELL NJ 07006 1 01/11/96
10
450314968 05 03/01/96
30
450314968 O 02/01/26
0
1475510 560/560 F 224,500.00
ZZ
SCARAMELLA JOHN 360 224,345.49
1
92 DOUGLAS AVENUE 7.875 1,627.79
78
7.625 1,627.79
290,000.00
1
BERNARDSVILLE NJ 07924 2 01/08/96
00
450315528 05 03/01/96
0
450315528 O 02/01/26
0
1475511 560/560 F 269,200.00
ZZ
KANDEL III PETER G 360 269,005.15
1
245 KENILWORTH ROAD 7.625 1,905.39
80
7.375 1,905.39
336,500.00
RIDGEWOOD NJ 07450 1 01/12/96
00
450315866 05 03/01/96
0
450315866 O 02/01/26
0
1475512 560/560 F 259,900.00
ZZ
CHESTER JAMES A 360 259,707.12
1
6302 SOUTH MALAYA ST 7.500 1,817.26
67
7.250 1,817.26
389,900.00
AURORA CO 80016 1 01/12/96
00
450315999 03 03/01/96
0
450315999 O 02/01/26
0
1475513 560/560 F 244,150.00
ZZ
CURIVAN MICHAEL S 360 243,986.18
1
8 BAYBERRY LANE 8.000 1,791.49
95
7.750 1,791.49
257,000.00
BARRINGTON RI 02806 1 01/12/96
10
450316211 05 03/01/96
30
450316211 O 02/01/26
0
1475514 560/560 F 635,400.00
ZZ
FAKOURI HADI M 360 634,951.54
1
7 VIA LAS ROSAS 7.750 4,552.08
80
7.500 4,552.08
794,256.00
LAGUNA NIGUEL CA 92677 1 01/09/96
00
450316419 03 03/01/96
0
450316419 O 02/01/26
0
1475515 560/560 F 650,000.00
ZZ
NEGRI MICHAEL P 360 649,595.99
1
60 BEACH AVENUE 8.375 4,940.47
51
8.125 4,940.47
1,275,000.00
LARCHMONT NY 10538 1 01/17/96
00
450317441 05 03/01/96
0
450317441 O 02/01/26
0
1
1475516 560/560 F 264,000.00
ZZ
GAGNON TERESA 360 263,799.11
1
4839 ALIANO DR 7.375 1,823.39
80
7.125 1,823.39
330,000.00
AGOURA CA 91301 1 01/16/96
00
450317847 05 03/01/96
0
450317847 O 02/01/26
0
1475517 560/560 F 253,500.00
ZZ
EMI GRANT T 360 253,325.54
1
23270 MENIFEE ROAD 7.875 1,838.05
90
7.625 1,838.05
282,000.00
NUEVO CA 92567 2 01/04/96
10
450317938 05 03/01/96
25
450317938 O 02/01/26
0
1475518 560/560 F 616,000.00
ZZ
SPEISS JR THOMAS J 360 615,586.68
1
27622 SAN BLAS 8.000 4,519.99
80
7.750 4,519.99
770,000.00
MISSION VIEJO CA 92692 1 01/16/96
00
450318779 05 03/01/96
0
450318779 O 02/01/26
0
1475519 560/560 F 232,500.00
ZZ
TOMESCO JR JOHN G 240 232,099.10
1
11 HILLOCK AVE 7.875 1,926.68
75
7.625 1,926.68
310,000.00
HAWTHORNE NJ 07506 5 01/12/96
00
450319116 05 03/01/96
0
450319116 O 02/01/16
0
1475520 560/560 F 215,650.00
ZZ
HADLEY GREGORY L 360 215,489.95
1
25725 LOCHMOOR LN 7.500 1,507.86
80
7.250 1,507.86
269,600.00
NOVI MI 48374 1 01/19/96
00
450319447 03 03/01/96
0
450319447 O 02/01/26
0
1475521 560/560 F 256,500.00
ZZ
ARGIRO KENNETH V 360 256,340.57
1
1
49 SWACKHAMMER ROAD 8.375 1,949.59
90
8.125 1,949.59
285,000.00
READINGTON TWSP NJ 08889 1 01/19/96
10
450319470 05 03/01/96
25
450319470 O 02/01/26
0
1475522 560/560 F 320,850.00
ZZ
DONAHOE I THOMAS C 360 320,605.85
1
149 NOE AVE 7.375 2,216.04
90
7.125 2,216.04
356,500.00
CHATHAM NJ 07928 1 01/19/96
10
450319553 05 03/01/96
25
450319553 O 02/01/26
0
1475523 560/560 F 262,000.00
ZZ
KHAN AZIZ 360 261,800.64
1
61 FOX LANE 7.375 1,809.57
80
7.125 1,809.57
327,500.00
HUNTINGTON NY 11746 1 01/18/96
00
450319702 05 03/01/96
0
450319702 O 02/01/26
0
1475524 560/560 F 300,000.00
ZZ
FRAZER DONALD H 360 299,777.36
1
1046 LYTTON SPRINGS ROAD 7.500 2,097.64
50
7.250 2,097.64
600,000.00
HEALDSBURG CA 95448 5 01/05/96
00
450320387 05 03/01/96
0
450320387 O 02/01/26
0
1475525 560/560 F 270,000.00
ZZ
MILROYL MICHAEL 360 269,823.38
1
11130 BECKFORD AVENUE 8.125 2,004.74
85
7.875 2,004.74
320,000.00
NORTHRIDGE CA 91326 2 01/16/96
10
450320668 05 03/01/96
12
450320668 O 02/01/26
0
1475526 560/560 F 270,150.00
ZZ
KELGORE JAMES T 360 269,977.73
1
1778 HILLTOP DRIVE 8.250 2,029.55
80
8.000 2,029.55
337,707.00
MILFORD MI 48380 1 01/25/96
00
450322748 01 03/01/96
0
1
450322748 O 02/01/26
0
1475527 560/560 F 496,000.00
ZZ
GENNA STEPHEN A 360 495,675.54
1
240 HARBOR LANE 8.125 3,682.79
80
7.875 3,682.79
620,000.00
MASSAPEQUA PARK NY 11762 1 01/25/96
00
450323043 05 03/01/96
0
450323043 O 02/01/26
0
1475528 560/560 F 236,200.00
ZZ
FARRELL EDWARD R 360 236,045.49
1
130 SHERWOOD DR 8.125 1,753.78
95
7.875 1,753.78
248,700.00
RAMSEY NJ 07446 1 01/25/96
10
450323118 05 03/01/96
30
450323118 O 02/01/26
0
1475529 560/560 F 220,500.00
ZZ
BROWER CHARLES W 360 220,336.36
1
24 WHITE PLACE 7.500 1,541.77
87
7.250 1,541.77
255,000.00
BROOKLINE MA 02146 1 01/26/96
10
450323498 01 03/01/96
25
450323498 O 02/01/26
0
1475531 560/560 F 293,500.00
ZZ
MOORE JR NORMAN H 360 293,312.84
1
49 JENNY'S LANE 8.250 2,204.97
73
8.000 2,204.97
406,000.00
BARRINGTON RI 02806 5 01/24/96
00
450324686 05 03/01/96
0
450324686 O 02/01/26
0
1475532 560/560 F 224,550.00
ZZ
MARZO EDWARD P 360 224,379.13
1
4 ASTER DR 7.375 1,550.92
90
7.125 1,550.92
249,500.00
GRANBY CT 06035 1 01/29/96
10
450326392 05 03/01/96
25
450326392 O 02/01/26
0
1
1475533 560/560 F 180,000.00
ZZ
BLAKE LESLIE W 360 179,882.26
1
21230 NORTH 53RD AVENUE 8.125 1,336.49
75
7.875 1,336.49
240,000.00
GLENDALE AZ 85308 1 01/30/96
00
450331939 03 03/01/96
0
450331939 O 02/01/26
0
1475618 253/253 F 312,800.00
ZZ
BASTIE FRED J 360 312,584.73
1
6206 STONEHILL DRIVE 7.875 2,268.02
80
7.625 2,268.02
391,000.00
DALLAS TX 75240 1 01/31/96
00
313630 05 03/01/96
0
313630 O 02/01/26
0
1475621 A50/A50 F 239,400.00
ZZ
MORTON SR MICHAEL G 360 239,226.73
1
5229 BRIDGEWATER DRIVE 7.625 1,694.46
90
7.375 1,694.46
266,000.00
ACWORTH GA 30101 1 01/16/96
04
13688 03 03/01/96
25
13688 O 02/01/26
0
1475672 025/025 F 368,000.00
ZZ
MALONE CHRIS E 360 367,740.27
1
1021 FAIRWAY COURT 7.750 2,636.40
80
7.500 2,636.40
460,000.00
BOGART GA 30622 2 01/09/96
00
285098 05 03/01/96
0
285098 O 02/01/26
0
1475674 025/025 F 290,000.00
ZZ
SUPRAN GEORGE P 360 289,805.41
1
13124 SILVER FOX TRAIL 8.000 2,127.92
71
7.750 2,127.92
410,000.00
PALM BEACH GARD FL 33418 2 01/19/96
00
472160 03 03/01/96
0
472160 O 02/01/26
0
1475706 461/728 F 215,000.00
ZZ
MONICA STEFAN B 360 214,855.73
1
3763 REDWOOD CIRCLE 8.000 1,577.60
59
7.750 1,577.60
365,000.00
1
PALO ALTO CA 94306 2 01/11/96
00
0380348483 05 03/01/96
0
9021331137 O 02/01/26
0
1475708 731/728 F 192,000.00
ZZ
LUMIERE TARAS 360 191,867.87
1
437 NORTH LEXINGTON DRIVE 7.875 1,392.13
80
7.625 1,392.13
240,000.00
FOLSM CA 95630 2 01/24/96
00
0380347253 05 03/01/96
0
3000623 O 02/01/26
0
1475710 B74/728 F 483,750.00
ZZ
COHEN MELVIN 360 483,750.00
1
2282 HIGHLAND VISTA DRIVE 8.375 3,676.85
75
8.125 3,676.85
645,000.00
ARCADIA CA 91006 5 02/01/96
00
0380351941 05 04/01/96
0
960089 O 03/01/26
0
1475711 B74/728 F 280,000.00
ZZ
CARLSON STANLEY H 360 279,807.31
1
36605 ELIZABETH LANE 7.875 2,030.19
80
7.625 2,030.19
350,000.00
WILDOMAR AREA CA 92595 2 01/24/96
00
0380355736 05 03/01/96
0
960181 O 02/01/26
0
1475716 334/334 F 203,809.72
ZZ
THACHER TONY 335 203,376.44
1
147 ALABAMA STREET 8.750 1,629.49
85
7.500 1,629.49
240,000.00
SAN GABRIEL CA 91775 2 10/10/95
04
703100 05 01/01/96
17
703100 O 11/01/23
0
1475728 B60/728 F 324,000.00
ZZ
FRENCH ALAN 360 324,000.00
1
30902 CANTERBURY PLACE 8.125 2,405.69
80
7.875 2,405.69
405,000.00
LAGUNA NIGUEL CA 92677 2 02/05/96
00
0380341694 05 04/01/96
0
6568 O 03/01/26
0
1
1475748 180/728 F 304,000.00
ZZ
CARLIN MAURICE P 360 303,785.44
1
2424 OSAGE AVENUE 7.750 2,177.89
80
7.500 2,177.89
380,000.00
SANTA ROSA CA 95409 2 01/17/96
00
0380345125 05 03/01/96
0
3589041 O 02/01/26
0
1475768 562/728 F 148,000.00
ZZ
QUAGLIATA CHRIS 300 148,000.00
1
9 DEWEY ROAD 8.000 1,142.29
75
7.750 1,142.29
198,000.00
COMMACK NY 11725 1 02/06/96
00
0380346198 05 04/01/96
0
506402 O 03/01/21
0
1475771 195/728 F 693,750.00
ZZ
JONES RAYMOND R 360 693,272.56
1
2250 TWINBROOK ROAD 7.875 5,030.17
75
7.625 5,030.17
925,000.00
BERWIN PA 19312 1 02/01/96
00
0380350547 05 03/01/96
0
48163 O 02/01/26
0
1475781 387/387 F 341,600.00
ZZ
RANDLE GLENN A 360 341,393.06
1
29 MENDOSA AVENUE 8.500 2,626.61
72
8.250 2,626.61
475,000.00
SAN FRANCISCO CA 94116 2 12/26/95
00
570531 03 03/01/96
0
570531 O 02/01/26
0
1475783 387/387 F 395,000.00
ZZ
YEA JING-JONG 360 394,754.48
1
229 ABERDEEN DRIVE 8.375 3,002.29
80
8.125 3,002.29
495,000.00
SAN CARLOS CA 94070 2 12/26/95
00
570150 05 03/01/96
0
570150 O 02/01/26
0
1475784 387/387 F 226,000.00
ZZ
INOUYE WAYNE 360 225,863.09
1
1
19 SARAH LANE 8.500 1,737.74
54
8.250 1,737.74
425,000.00
MORAGA CA 94556 2 12/26/95
00
570143 05 03/01/96
0
570143 O 02/01/26
0
1475786 387/387 F 328,000.00
ZZ
MARK RICHARD M 360 327,601.18
1
384 MONTSERRAT DRIVE 8.500 2,522.04
79
8.250 2,522.04
419,000.00
REDWOOD CITY CA 94065 2 12/20/95
00
569293 03 02/01/96
0
569293 O 01/01/26
0
1475787 387/387 F 272,000.00
ZZ
BLEIER RALPH K 360 271,605.01
1
694 ST GEORGE ROAD 7.625 1,925.20
80
7.375 1,925.20
340,000.00
DANVILLE CA 94526 1 12/08/95
00
569004 03 02/01/96
0
569004 O 01/01/26
0
1475788 387/387 F 443,500.00
ZZ
DIESMAN MICHAEL 360 442,902.85
1
1750 3RD STREET 8.000 3,254.25
75
7.750 3,254.25
595,000.00
MANHATTAN BEACH CA 90266 2 12/14/95
00
561423 05 02/01/96
0
561423 O 01/01/26
0
1475792 317/728 F 345,000.00
ZZ
LANG MICHAEL 360 344,785.56
1
2663 NORTH GREENVIEW 8.375 2,622.25
75
8.125 2,622.25
460,000.00
CHICAGO IL 60614 5 01/12/96
00
0380346537 09 03/01/96
0
220909 O 02/01/26
0
1475793 387/387 F 70,500.00
ZZ
HUDSON TINA S 360 70,405.08
1
131 JOHN STREET 8.000 517.30
39
7.750 517.30
182,000.00
SANTA CRUZ CA 95060 2 11/29/95
00
564435 05 02/01/96
0
1
564435 O 01/01/26
0
1475794 B49/728 F 400,000.00
ZZ
KAL DANIEL L 360 400,000.00
1
4255 SOUTH BELLAIRE CIRCLE 7.625 2,831.18
80
7.375 2,831.18
500,000.00
ENGLEWOOD CO 80110 1 02/20/96
00
0380344896 03 04/01/96
0
1475794 O 03/01/26
0
1475795 387/387 F 408,000.00
ZZ
JEFFERSON III ANTWINE 360 406,244.27
1
7134 WATERFORD COURT 8.125 3,029.39
80
7.875 3,029.39
515,000.00
NIWOT CO 80503 2 12/20/95
00
564419 03 02/01/96
0
564419 O 01/01/26
0
1475796 387/387 F 500,000.00
ZZ
LEMPERT DAVID E 360 499,407.48
1
13921 DAMON LANE 8.625 3,888.95
50
8.375 3,888.95
1,000,000.00
SARATOGA CA 95070 2 12/08/95
00
563841 05 02/01/96
0
563841 O 01/01/26
0
1475799 387/387 F 273,700.00
ZZ
LYNCH JOHN M 360 273,349.74
1
7436 GOOSE MEADOWS WAY 8.250 2,056.22
80
8.000 2,056.22
342,278.00
ROSEVILLE CA 95747 1 12/06/95
00
0557553 03 02/01/96
0
0557553 O 01/01/26
0
1475804 387/387 F 396,000.00
ZZ
MARTINSON JAMES L 360 395,158.82
1
29950 FOREST COVE LANE 7.500 2,768.89
80
7.250 2,768.89
495,000.00
AGOURA HILLS CA 91301 2 12/05/95
00
566620 03 02/01/96
0
566620 O 01/01/26
0
1
1475809 387/387 F 262,500.00
ZZ
OLSON STEVEN R 360 262,128.27
1
362 GRAVILLA STREET 7.750 1,880.58
75
7.500 1,880.58
350,000.00
SAN DIEGO CA 92037 1 12/07/95
00
566463 05 02/01/96
0
566463 O 01/01/26
0
1475811 387/387 F 400,000.00
ZZ
SCHOLBERG PAUL C 360 399,488.11
1
14 GINNEY COURT 8.250 3,005.07
80
8.000 3,005.07
500,000.00
DANVILLE CA 94526 2 12/08/95
00
541599 05 02/01/96
0
541599 O 01/01/26
0
1475812 387/387 F 120,350.00
ZZ
MAI HOA V 360 120,183.81
1
8130 SANTA ARMINTA AVENUE 7.875 872.62
75
7.625 872.62
160,500.00
SAN DIEGO CA 92126 1 12/08/95
00
565960 05 02/01/96
0
565960 O 01/01/26
0
1475813 387/387 F 238,500.00
ZZ
NELSON RANDY S 360 238,339.97
1
9753 LASAINE AVENUE 8.000 1,750.03
90
7.750 1,750.03
265,000.00
NORTHRIDGE CA 91325 1 01/05/96
14
575647 05 03/01/96
25
575647 O 02/01/26
0
1475816 387/387 F 555,000.00
ZZ
HEIMBERG RICHARD G 360 554,289.76
1
830 SAN YSIDRO LANE 8.250 4,169.53
70
8.000 4,169.53
800,000.00
SANTA BARBARA CA 93108 2 12/18/95
00
571893 05 02/01/96
0
571893 O 01/01/26
0
1475819 387/387 F 230,500.00
ZZ
SANTESTEBAN THOMAS A 360 230,004.34
1
15825 NORTH HANA MAUI DRIVE 8.250 1,731.67
80
8.000 1,731.67
290,000.00
1
PHOENIX AZ 85022 2 12/18/95
00
5572636 05 02/01/96
0
5572636 O 01/01/26
0
1475821 387/387 F 218,400.00
ZZ
FOSTER JAMES W 360 216,755.52
1
145 ENTRADA MESA 8.375 1,660.00
80
8.125 1,660.00
273,000.00
DANVILLE CA 94526 2 12/22/95
00
572776 05 02/01/96
0
572776 O 01/01/26
0
1475824 387/387 F 231,000.00
ZZ
PERKINS BONNIE 360 230,496.76
1
4425 IRVINE AVENUE 8.125 1,715.17
70
7.875 1,715.17
330,000.00
STUDIO CITY CA 91602 1 12/22/95
00
572792 05 02/01/96
0
572792 O 01/01/26
0
1475826 387/387 F 260,100.00
ZZ
DANIELSON MICHAEL 360 259,921.00
1
4151 BECK AVENUE 7.875 1,885.91
90
7.625 1,885.91
289,000.00
STUDIO CITY CA 91604 1 01/10/96
04
575043 05 03/01/96
25
575043 O 02/01/26
0
1475827 387/387 F 335,200.00
ZZ
WING KENNETH E 360 334,713.26
1
2196 TWISTED OAK LANE 7.625 2,372.52
80
7.375 2,372.52
419,000.00
ALPINE CA 91901 1 12/28/95
00
575118 05 02/01/96
0
575118 O 01/01/26
0
1475828 470/728 F 267,000.00
ZZ
YATES MARGARET M 360 266,820.84
1
269 SCENIC ROAD 8.000 1,959.16
70
7.750 1,959.16
385,000.00
FAIRFAX CA 94930 2 01/12/96
00
0380347089 05 03/01/96
0
25076262 O 02/01/26
0
1
1475862 447/447 F 337,800.00
ZZ
TREINEN MICHAEL R 360 337,561.58
1
28770 COUNTY ROAD L.8 7.750 2,420.05
79
7.500 2,420.05
428,000.00
CORTEZ CO 81321 2 01/19/96
00
2007705 05 03/01/96
0
2007705 O 02/01/26
0
1475864 447/447 F 344,000.00
ZZ
O'MAHONEY THOMAS R 360 342,969.18
1
10405 SOUTHPORT GLEN 7.500 2,405.30
80
7.250 2,405.30
430,000.00
BAKERSFIELD CA 93311 1 10/19/95
00
2030812 03 12/01/95
0
2030812 O 11/01/25
0
1475867 447/447 F 265,000.00
ZZ
LEATHERMAN LOUIS L 360 264,489.55
1
118 SIERRA VISTA AVENUE 8.250 1,990.86
90
8.000 1,990.86
295,000.00
TAOS NM 87571 1 11/06/95
04
2045568 05 01/01/96
25
2045568 O 12/01/25
0
1475870 447/447 F 258,750.00
ZZ
WARD PAT 360 258,401.60
1
1991 PARTRIDGE DRIVE 8.000 1,898.62
90
7.750 1,898.62
287,500.00
SAN LUIS OBISPO CA 93401 1 12/01/95
21
2052291 05 02/01/96
25
2052291 O 01/01/26
0
1475875 447/447 F 288,000.00
ZZ
BRIMER LARRY B 360 286,366.84
1
46 POWDER HILL ROAD 8.625 2,240.04
80
8.375 2,240.04
361,179.00
BEDFORD NH 03110 1 08/31/95
00
3101294 05 10/01/95
0
3101294 O 09/01/25
0
1475876 447/447 F 349,500.00
ZZ
BROOKS LEO C 360 347,683.23
1
1
2001 MAIN ROAD 8.500 2,687.36
90
8.250 2,687.36
388,500.00
WESTPORT POINT MA 02790 1 07/06/95
21
3157160 05 08/01/95
25
3157160 O 07/01/25
0
1475877 447/447 F 250,000.00
ZZ
STREETER LARRY M 360 248,467.13
1
6 AUTUMN LANE 7.750 1,791.04
90
7.500 1,791.04
278,000.00
NATICK MA 01760 1 06/29/95
04
3162326 05 08/01/95
17
3162326 O 07/01/25
0
1475878 447/447 F 235,000.00
ZZ
DANZL JOHN W 360 234,691.52
1
4753 SOUTH LAKE SARAH DRIVE 8.125 1,744.87
90
7.875 1,744.87
261,480.00
INDEPENDENCE MN 55359 1 12/15/95
14
3166235 05 02/01/96
25
3166235 O 01/01/26
0
1475881 447/447 F 240,000.00
ZZ
ROLAND JAMES P 360 239,017.58
1
3394 RAE LANE 8.000 1,761.03
80
7.750 1,761.03
300,000.00
WOODBURY MN 55125 1 08/15/95
00
3200795 03 10/01/95
0
3200795 O 09/01/25
0
1475897 447/447 F 247,500.00
ZZ
FOREMAN BRUCE E 360 246,173.70
1
4178 SOUTH BEUS DRIVE 8.125 1,837.68
75
7.875 1,837.68
330,000.00
OGDEN UT 84403 2 06/19/95
00
3258640 05 08/01/95
0
3258640 O 07/01/25
0
1475898 447/447 F 221,250.00
ZZ
ELLIOTT PATRICK M 360 220,587.42
1
5675 ROSARIO AVENUE 8.625 1,720.86
75
8.375 1,720.86
295,000.00
ATASCADERO CA 93422 5 09/29/95
00
3264396 05 11/01/95
0
1
3264396 O 10/01/25
0
1475900 447/447 F 220,500.00
ZZ
KEELAN KEVIN P 360 219,641.76
1
9704 FINCH COURT 8.250 1,656.54
75
8.000 1,656.54
294,000.00
ELLICOTT CITY MD 21042 2 08/30/95
00
3271831 05 10/01/95
0
3271831 O 09/01/25
0
1475913 447/447 F 320,000.00
ZZ
WONG EDWARD L 360 319,175.34
1
1 MARIGOLD LANE 8.250 2,404.05
80
8.000 2,404.05
400,000.00
SAN CARLOS CA 94070 1 10/16/95
00
3320734 07 12/01/95
0
3320734 O 11/01/25
0
1475917 447/447 F 300,000.00
ZZ
SANDOVAL ALFREDO A 360 299,246.28
1
45510 OSAGE COURT 8.375 2,280.22
86
8.125 2,280.22
350,000.00
INDIAN WELLS CA 92210 1 10/24/95
14
3328373 03 12/01/95
25
3328373 O 11/01/25
0
1475921 447/447 F 220,000.00
ZZ
SMITH RICHARD D 360 219,603.13
1
5777 FELICIA AVENUE 8.000 1,614.28
71
7.750 1,614.28
314,000.00
LIVERMORE CA 94550 2 12/05/95
00
3332562 05 02/01/96
0
3332562 O 01/01/26
0
1475934 447/447 F 377,800.00
ZZ
FICHERA CHRISTOPH 360 377,126.02
1
10339 ST. ANDREW ROAD 8.625 2,938.49
90
8.375 2,938.49
419,827.00
BOYNTON BEACH FL 33436 4 11/22/95
04
3344799 03 01/01/96
25
3344799 O 12/01/25
0
1
1475944 447/447 F 800,000.00
ZZ
RABINOWITZ JANIS L 360 799,027.28
1
10 HIDDEN OAK ROAD 8.500 6,151.31
73
8.250 6,151.31
1,100,000.00
ARMONK NY 10504 4 12/20/95
00
3357938 05 02/01/96
0
3357938 O 01/01/26
0
1475947 447/447 F 350,000.00
ZZ
AHN DOUGLAS 360 349,504.36
1
10572 RAVEN RUN 7.750 2,507.44
68
7.500 2,507.44
515,000.00
LITTLETON CO 80125 2 12/18/95
00
3361045 03 02/01/96
0
3361045 O 01/01/26
0
1475948 447/447 F 315,000.00
ZZ
RAQUIZA LOLITA P 360 314,596.89
1
4162 MURIETTA AVENUE 8.250 2,366.49
67
8.000 2,366.49
475,000.00
SHERMAN OAKS AR CA 91423 2 11/27/95
00
3361607 05 02/01/96
0
3361607 O 01/01/26
0
1475951 447/447 F 212,500.00
ZZ
TAYLOR TIMOTHY B 360 212,320.21
1
384 BENEVENTE DRIVE 7.500 1,485.84
85
7.250 1,485.84
250,000.00
OCEANSIDE CA 92057 1 01/04/96
11
3362445 03 03/01/96
25
3362445 O 02/01/26
0
1475956 447/447 F 294,400.00
ZZ
MONTANA JOSEPH P 360 293,993.47
1
6626 VISTA DEL MAR 7.875 2,134.60
80
7.625 2,134.60
368,000.00
PLAYA DEL REY A CA 90293 1 12/07/95
00
3364842 05 02/01/96
0
3364842 O 01/01/26
0
1475964 447/447 F 335,000.00
ZZ
PATTERSON RUSSELL W 360 334,321.16
1
4457 SOUTH ZUNIS AVENUE 8.000 2,458.11
61
7.750 2,458.11
550,000.00
1
TULSA OK 74105 2 11/27/95
00
3368539 05 01/01/96
0
3368539 O 12/01/25
0
1475969 447/447 F 371,000.00
ZZ
SANDERS KEN 360 370,548.90
1
130 VICTORIA DRIVE 8.500 2,852.67
70
8.250 2,852.67
530,000.00
FAYETTEVILLE GA 30214 2 12/06/95
00
3369257 05 02/01/96
0
3369257 O 01/01/26
0
1475971 447/447 F 231,640.82
ZZ
GERLACH RICHARD A 337 231,320.05
1
615 MOUNT OLIVET COURT 8.750 1,848.85
86
8.500 1,848.85
280,000.00
CLAYTON CA 94517 1 11/07/95
04
3369726 03 02/01/96
17
3369726 O 02/01/24
0
1475974 447/447 F 310,400.00
ZZ
HOU VICTOR W 360 309,971.36
1
7015 NORTH JULIE LANE 7.875 2,250.62
80
7.625 2,250.62
388,000.00
SAN GABRIEL CA 91775 1 12/01/95
00
3370651 05 02/01/96
0
3370651 O 01/01/26
0
1475985 447/447 F 236,000.00
ZZ
MALONE PATRICK D 360 235,705.60
1
257 EDGEHILL DRIVE 8.375 1,793.77
80
8.125 1,793.77
295,000.00
SAN CARLOS CA 94070 2 12/08/95
00
3379506 05 02/01/96
0
3379506 O 01/01/26
0
1475987 447/447 F 327,000.00
ZZ
PACEK JAMES L 360 326,774.96
1
15860 BENT TREE ROAD 7.875 2,370.98
69
7.625 2,370.98
477,000.00
POWAY CA 92064 1 01/03/96
00
3380610 05 03/01/96
0
3380610 O 02/01/26
0
1
1475988 447/447 F 247,500.00
ZZ
SONKSEN MICHAEL R 360 247,333.93
1
9851 NORTH CASCADE DRIVE 8.000 1,816.07
86
7.750 1,816.07
290,000.00
FRESNO CA 93720 2 01/02/96
01
3384334 05 03/01/96
25
3384334 O 02/01/26
0
1475991 447/447 F 295,950.00
ZZ
KNOLL ROLLO M 360 295,530.89
1
223 LAURELGLEN COURT 7.750 2,120.22
80
7.500 2,120.22
369,950.00
DANVILLE CA 94506 1 12/15/95
00
3384491 03 02/01/96
0
3384491 O 01/01/26
0
1475992 447/447 F 285,600.00
ZZ
MYERS THOMAS W 360 285,092.60
1
2910 FERNSIDE BOULEVARD 7.750 2,046.07
80
7.500 2,046.07
357,000.00
ALAMEDA CA 94501 5 12/07/95
00
3384496 05 02/01/96
0
3384496 O 01/01/26
0
1475994 447/447 F 360,000.00
ZZ
CAREY PAUL G 360 359,463.99
1
1201 JEROME WAY 7.500 2,517.17
80
7.250 2,517.17
450,000.00
NAPA CA 94558 2 12/21/95
00
3384900 05 02/01/96
0
3384900 O 01/01/26
0
1475999 447/447 F 226,400.00
ZZ
SUMMERER LARRY W 360 226,095.17
1
18154 EAST POWERS PLACE 8.000 1,661.24
95
7.750 1,661.24
238,388.00
AURORA CO 80015 1 12/27/95
10
3386961 03 02/01/96
30
3386961 O 01/01/26
0
1476001 447/447 F 220,500.00
ZZ
CARANDANG EDILBERTOA 360 220,217.83
1
1
4867 ROUND TOP DRIVE 8.250 1,656.54
90
8.000 1,656.54
245,000.00
LOS ANGELES CA 90065 2 12/05/95
14
3387001 05 02/01/96
25
3387001 O 01/01/26
0
1476002 447/447 F 320,000.00
ZZ
WOODWARD MICHAEL C 360 319,569.13
1
2751 NW CHAMPION CIRCLE 8.000 2,348.05
75
7.750 2,348.05
430,000.00
BEND OR 97701 5 12/20/95
00
3387280 03 02/01/96
0
3387280 O 01/01/26
0
1476006 447/447 F 260,550.00
ZZ
SALIBA JOSEFINO 360 260,383.85
1
1068 CAMINO ESPUELAS 8.250 1,957.43
90
8.000 1,957.43
289,500.00
CHULA VISTA CA 91910 1 01/02/96
14
3388116 05 03/01/96
25
3388116 O 02/01/26
0
1476008 447/447 F 650,000.00
ZZ
BROWN BRENT L 360 649,079.51
1
13524 NORTH OAKRIDGE 7.750 4,656.68
74
7.500 4,656.68
880,000.00
ALPINE UT 84004 2 12/28/95
00
3388375 05 02/01/96
0
3388375 O 01/01/26
0
1476011 447/447 F 264,000.00
ZZ
FOWLER JAMES R 360 263,822.86
1
373 FRANCONIA STREET 8.000 1,937.14
95
7.750 1,937.14
277,900.00
SAN FRANCISCO CA 94110 1 01/09/96
14
3392716 05 03/01/96
30
3392716 O 02/01/26
0
1476014 447/447 F 286,900.00
ZZ
MOORE JOHN S 360 286,712.33
1
18 GLENRIDGE DRIVE 8.125 2,130.22
95
7.875 2,130.22
305,000.00
BEDFORD MA 01730 1 01/16/96
14
3394846 05 03/01/96
30
1
3394846 O 02/01/26
0
1476018 447/447 F 350,000.00
ZZ
SHAVELL MORTON 360 349,771.05
1
4100 N.E. 30TH AVENUE 8.125 2,598.74
88
7.875 2,598.74
400,000.00
LIGHTHOUSE POIN FL 33064 1 01/09/96
14
3396316 05 03/01/96
25
3396316 O 02/01/26
0
1476019 447/447 F 270,000.00
ZZ
SIKORA ROBERT M 360 269,597.99
1
4103 CADWALLADER AVENUE 7.500 1,887.88
46
7.250 1,887.88
590,000.00
SAN JOSE CA 95121 1 12/21/95
00
3396981 05 02/01/96
0
3396981 O 01/01/26
0
1476020 447/447 F 228,000.00
ZZ
BENSE BOOKER 360 227,834.98
1
501 BELOIT AVENUE 7.625 1,613.77
95
7.375 1,613.77
240,000.00
KENSINGTON CA 94708 1 01/08/96
04
3397466 05 03/01/96
30
3397466 O 02/01/26
0
1476022 447/447 F 283,000.00
ZZ
NGUYEN THAO 360 282,637.85
1
810 TASSASARA DRIVE 8.250 2,126.08
80
8.000 2,126.08
354,000.00
MILPITAS CA 95035 2 12/21/95
00
3398434 05 02/01/96
0
3398434 O 01/01/26
0
1476026 447/447 F 57,200.00
ZZ
JESSUP JOHN S 360 57,157.55
1
405 RICHLAND ROAD 7.500 399.95
49
7.250 399.95
117,200.00
SAN MARCOS CA 92069 1 01/02/96
00
7037230 05 03/01/96
0
7037230 O 02/01/26
0
1
1476030 447/447 F 207,000.00
ZZ
JACOBSON MARTIN S 360 206,874.60
1
597 SANTA YSABEL AVENUE 8.500 1,591.65
75
8.250 1,591.65
279,500.00
LOS OSOS CA 93402 2 01/02/96
00
7157474 05 03/01/96
0
7157474 O 02/01/26
0
1476031 447/447 F 320,000.00
ZZ
DAVIS DANIEL W 360 319,779.78
1
1126 MC INTOSH CREEK DRIVE 7.875 2,320.22
80
7.625 2,320.22
405,000.00
SAN JOSE CA 95120 5 01/04/96
00
7157526 05 03/01/96
0
7157526 O 02/01/26
0
1476034 447/447 F 146,400.00
ZZ
BOYETTE RICKEY M 360 146,306.65
1
27 WEST ELCLIFF AVENUE 8.250 1,099.85
80
8.000 1,099.85
183,000.00
SPOKANE WA 99218 5 12/29/95
00
7160824 05 03/01/96
0
7160824 O 02/01/26
0
1476035 447/447 F 300,000.00
ZZ
HSU CHIEN W 360 299,265.28
1
6865 TURF DRIVE 8.500 2,306.74
51
8.250 2,306.74
595,000.00
HUNTINGTON BEAC CA 92648 1 10/12/95
00
7173924 03 12/01/95
0
7173924 O 11/01/25
0
1476036 447/447 F 254,930.00
ZZ
SITWALA PINAKIN P 360 254,754.56
1
2212 RIM ROAD 7.875 1,848.42
75
7.625 1,848.42
339,909.00
DUARTE CA 91010 1 01/02/96
00
7174551 05 03/01/96
0
7174551 O 02/01/26
0
1476038 447/447 F 283,000.00
ZZ
SASAKI ARTHUR A 360 282,609.20
1
214 AVENUE A 7.875 2,051.95
54
7.625 2,051.95
525,000.00
1
REDONDO BEACH CA 90277 2 12/22/95
00
7174743 05 02/01/96
0
7174743 O 01/01/26
0
1476039 447/447 F 395,000.00
ZZ
MAMER EDMOND B 360 394,728.17
1
1740 DANA PLACE 7.875 2,864.02
79
7.625 2,864.02
500,000.00
FULLERTON CA 92631 2 01/04/96
00
7174753 05 03/01/96
0
7174753 O 02/01/26
0
1476040 447/447 F 305,000.00
ZZ
LIM JOANNE J 360 304,795.35
1
520 NORTH MCCADDEN PLACE 8.000 2,237.98
80
7.750 2,237.98
385,000.00
LOS ANGELES CA 90004 5 01/04/96
00
7174862 05 03/01/96
0
7174862 O 02/01/26
0
1476042 447/447 F 209,000.00
ZZ
GRALNIK RONALD 360 208,856.16
1
12419 SUNNYGLEN DRIVE 7.875 1,515.40
95
7.625 1,515.40
220,000.00
MOORPARK CA 93021 2 01/08/96
01
7193895 03 03/01/96
30
7193895 O 02/01/26
0
1476103 232/232 F 331,950.00
ZZ
LEITNER CYNTHIA M 360 331,721.55
1
1301 CHERRYVILLE RD 7.875 2,406.87
63
7.625 2,406.87
533,000.00
LITTLETON CO 80121 2 01/05/96
00
1533657 05 03/01/96
0
1533657 O 02/01/26
0
1476110 181/181 F 315,500.00
ZZ
BLACK CARL O 360 313,774.53
1
4112 BRIGADE TRAIL 8.625 2,453.93
80
8.375 2,453.93
394,400.00
KENNESAW GA 30144 1 05/23/95
00
4565151 03 07/01/95
0
4565151 O 06/01/25
0
1
1476112 181/181 F 272,250.00
ZZ
HILL RICHARD M 360 269,080.46
1
4422 SANDESTIN BOULEVARD SOUTH 8.000 1,997.67
71
7.750 1,997.67
385,000.00
DESTIN FL 32541 1 07/25/95
00
4566530 06 09/01/95
0
4566530 O 08/01/25
0
1476116 181/181 F 255,200.00
ZZ
ATWOOD JR FREDERIC L 360 253,977.10
1
5309 WORTHINGTON DRIVE 8.000 1,872.57
80
7.750 1,872.57
319,000.00
BETHESDA MD 20816 1 07/20/95
00
4568877 05 09/01/95
0
4568877 O 08/01/25
0
1476129 181/181 F 245,000.00
ZZ
BRACE DARYL R 360 243,701.05
1
5595 BANNERGATE DRIVE 7.625 1,734.10
76
7.375 1,734.10
323,000.00
ALPHARETTA GA 30202 5 07/13/95
00
4569555 05 09/01/95
0
4569555 O 08/01/25
0
1476131 181/181 F 252,500.00
ZZ
SMALLWOOD RONALD E 360 251,180.48
1
3039 OLD MYSTIC TRAIL 8.250 1,896.95
78
8.000 1,896.95
325,000.00
ACWORTH GA 30102 2 06/16/95
00
4569580 05 08/01/95
0
4569580 O 07/01/25
0
1476133 181/181 F 220,000.00
ZZ
GARIBALDI JR JAMES J 360 218,760.55
1
4665 SOUTH 4TH STREET 7.875 1,595.16
80
7.625 1,595.16
275,000.00
ARLINGTON VA 22204 5 06/26/95
00
4569661 05 08/01/95
0
4569661 O 07/01/25
0
1476137 181/181 F 276,000.00
ZZ
HOGAN MARK J 360 274,557.64
1
1
6626 PLESENTON DRIVE W 8.250 2,073.50
80
8.000 2,073.50
345,000.00
WORTHINGTON OH 43085 1 06/16/95
00
4570006 05 08/01/95
0
4570006 O 07/01/25
0
1476151 181/181 F 298,400.00
ZZ
ZOBEL MICHAEL G 360 296,917.46
1
1366 NO DEARBORN #9C 8.500 2,294.44
80
8.250 2,294.44
373,000.00
CHICAGO IL 60610 1 06/26/95
00
4582675 06 08/01/95
0
4582675 O 07/01/25
0
1476155 181/181 F 223,650.00
ZZ
VISHER JAMES R 360 222,510.30
1
909 SUMTER COURT 8.375 1,699.91
90
8.125 1,699.91
248,500.00
NAPERVILLE IL 60540 1 06/28/95
10
4584996 03 08/01/95
25
4584996 O 07/01/25
0
1476158 181/181 F 298,000.00
ZZ
NUSSBAUM STEVEN B 360 296,642.11
1
1065 OLD ELM LANE 8.250 2,238.77
80
8.000 2,238.77
372,500.00
GLENCOE IL 60022 1 08/01/95
00
4595122 05 09/01/95
0
4595122 O 08/01/25
0
1476162 181/181 F 230,000.00
ZZ
GOULD SR DAVID W 360 228,736.20
1
5 RIVERVIEW ROAD 8.000 1,687.66
65
7.750 1,687.66
357,500.00
SEVERNA PARK MD 21146 1 06/30/95
00
4595696 05 08/01/95
0
4595696 O 07/01/25
0
1476169 181/181 F 506,200.00
ZZ
HANRAHAN KEVIN R 240 499,968.56
1
316 WEST NINTH STREET 7.875 4,194.77
75
7.625 4,194.77
675,000.00
HINSDALE IL 60521 1 07/14/95
00
4596153 05 09/01/95
0
1
4596153 O 08/01/15
0
1476178 181/181 F 216,000.00
ZZ
MEEKS GREGG C 360 214,789.22
1
208 RIDGEFIELD ROAD 8.125 1,603.80
90
7.875 1,603.80
240,000.00
MEMPHIS TN 38111 2 07/21/95
14
4598865 05 09/01/95
25
4598865 O 08/01/25
0
1476188 181/181 F 216,000.00
ZZ
GORDON BARRY S 360 213,990.31
1
3035 WALNUT CREEK DRIVE 7.875 1,566.15
90
7.625 1,566.15
240,000.00
ALPHARETTA GA 30202 1 07/25/95
01
4620763 03 09/01/95
25
4620763 O 08/01/25
0
1476197 181/181 F 100,000.00
ZZ
QUARLES JOHN 360 99,715.54
1
3379 E EVANS MILL COURT 8.875 795.64
80
8.625 795.64
125,000.00
LITHONIA GA 30038 5 09/12/95
00
4622952 05 11/01/95
0
4622952 O 10/01/25
0
1476199 181/181 F 272,000.00
ZZ
HERREL JR JAMES J 360 271,027.66
1
3340 BRICKEY LANE 7.750 1,948.64
72
7.500 1,948.64
382,000.00
MARIETTA GA 30068 1 09/25/95
00
4623711 03 11/01/95
0
4623711 O 10/01/25
0
1476200 181/181 F 280,000.00
ZZ
WINSLOW KIM B 360 279,094.89
1
11835 MOUNTAIN PARK RD 8.250 2,103.55
79
8.000 2,103.55
357,000.00
ROSWELL GA 30075 1 09/29/95
00
4623843 05 11/01/95
0
4623843 O 10/01/25
0
1
1476207 181/181 F 262,000.00
ZZ
SCHULZ JAMES R 360 261,307.44
1
3171 FARMINGTON DRIVE 8.125 1,945.35
84
7.875 1,945.35
315,000.00
ATLANTA GA 30339 1 10/16/95
01
4626648 05 12/01/95
12
4626648 O 11/01/25
0
1476212 181/181 F 250,000.00
ZZ
SIMON CHARLES S 360 249,565.35
1
540 STANDISH DRIVE 8.750 1,966.75
57
8.500 1,966.75
443,000.00
DEERFIELD IL 60015 5 11/17/95
00
4630599 05 01/01/96
0
4630599 O 12/01/25
0
1476216 181/181 F 484,000.00
ZZ
ANDRE RAYMOND G 360 482,435.48
1
21 ROYAL VALE DRIVE 8.250 3,636.13
80
8.000 3,636.13
605,000.00
OAK BROOK IL 60521 1 09/13/95
00
4671082 05 11/01/95
0
4671082 O 10/01/25
0
1476217 181/181 F 332,000.00
ZZ
GOLDMAN PHILIP L 360 330,980.04
1
1243 LINDEN AVENUE 8.500 2,552.79
80
8.250 2,552.79
415,000.00
HIGHLAND PARK IL 60035 5 09/20/94
00
4671422 05 11/01/95
0
4671422 O 10/01/25
0
1476219 181/181 F 423,500.00
ZZ
HRUBY RANDY 360 422,663.26
1
136 SOUTH VINE 8.125 3,144.48
74
7.875 3,144.48
575,000.00
HINSDALE IL 60521 2 11/22/95
00
4674782 05 01/01/96
0
4674782 O 12/01/25
0
1476221 181/181 F 213,000.00
ZZ
BLATT JEROLD 360 212,727.42
1
75-72 185TH STREET 8.250 1,600.20
78
8.000 1,600.20
275,000.00
1
FRESH MEADOWS NY 11365 2 11/30/95
00
4676815 05 02/01/96
0
4676815 O 01/01/26
0
1476222 181/181 F 96,000.00
ZZ
TRUNZO JR ANTHONY R 360 95,819.73
1
812 SOUTH PINE STREET 8.375 729.67
80
8.125 729.67
120,000.00
NEW LENOX IL 60451 5 11/07/95
00
4677641 05 01/01/96
0
4677641 O 12/01/25
0
1476223 181/181 F 311,000.00
ZZ
RING MAX 360 310,416.04
1
833 HORATIO 8.375 2,363.82
76
8.125 2,363.82
410,000.00
BUFFALO GROVE IL 60089 5 11/15/95
00
4678541 05 01/01/96
0
4678541 O 12/01/25
0
1476229 181/181 F 114,400.00
ZZ
GONZALEZ HENRY L 360 113,758.27
1
13902 HUBBARD STREET 8.500 879.64
80
8.250 879.64
143,000.00
SYLMAR AREA CA 91342 5 05/24/95
00
4890469 05 07/01/95
0
4890469 O 06/01/25
0
1476235 181/181 F 670,000.00
ZZ
BADEN SCOTT A 360 666,789.42
1
25506 GAYLORD COURT 8.000 4,916.23
69
7.750 4,916.23
975,000.00
CALABASAS CA 91302 2 07/06/95
00
4893352 03 09/01/95
0
4893352 O 08/01/25
0
1476242 181/181 F 283,000.00
ZZ
MILLER DONALD H 360 281,557.90
1
5380 VIA ASTURIAS 8.375 2,151.01
79
8.125 2,151.01
360,000.00
YORBA LINDA CA 92687 2 06/16/95
00
4894316 05 08/01/95
0
4894316 O 07/01/25
0
1
1476243 181/181 F 243,750.00
ZZ
GROS ROY J 360 242,507.91
1
9816 VASQUEZ CIRCLE 8.375 1,852.68
75
8.125 1,852.68
325,000.00
LOOMIS CA 95650 5 06/21/95
00
4894448 05 08/01/95
0
4894448 O 07/01/25
0
1476245 181/181 F 500,000.00
ZZ
STEINER THOMAS A 360 496,771.24
1
2509 ROSCOMARE ROAD 8.625 3,888.95
75
8.375 3,888.95
670,000.00
LOS ANGELES CA 90077 1 07/17/95
00
4895061 05 09/01/95
0
4895061 O 08/01/25
0
1476254 181/181 F 234,400.00
ZZ
MARYOUNG JAMES 360 233,642.31
1
7927 DUNBARTON AVENUE 8.250 1,760.97
80
8.000 1,760.97
293,000.00
LOS ANGELES CA 90045 1 08/31/95
00
4899016 05 11/01/95
0
4899016 O 10/01/25
0
1476256 181/181 F 324,000.00
ZZ
PERSICO CONNELL F 360 322,841.73
1
921 WEST AVENUE 37 7.750 2,321.18
80
7.500 2,321.18
405,000.00
LOS ANGELES CA 90065 2 09/08/95
00
4900031 05 11/01/95
0
4900031 O 10/01/25
0
1476257 181/181 F 300,000.00
ZZ
FELDMAN MARK A 360 299,054.55
1
1037 ACANTO PLACE 8.375 2,280.22
67
8.125 2,280.22
450,000.00
LOS ANGELES CA 90049 1 08/31/95
00
4900707 05 11/01/95
0
4900707 O 10/01/25
0
1476259 181/181 F 276,000.00
ZZ
MEQUET BRIAN P 360 275,029.67
1
1
2645 DEODAR CIRCLE 8.750 2,171.30
80
8.500 2,171.30
345,000.00
PASADENA CA 91107 1 08/17/95
00
4901223 05 10/01/95
0
4901223 O 09/01/25
0
1476261 181/181 F 312,000.00
ZZ
FLYNN ELAINE S 360 310,912.21
1
11984 DARLINGTON AVENUE 7.875 2,262.22
80
7.625 2,262.22
390,000.00
LOS ANGELES CA 90049 1 09/06/95
00
4901592 05 11/01/95
0
4901592 O 10/01/25
0
1476263 181/181 F 246,600.00
ZZ
MANANSALA LINO G 360 243,950.32
1
27806 VIA AMISTOSA 8.500 1,896.15
77
8.250 1,896.15
322,000.00
AGOURA HILLS CA 91301 2 08/24/95
00
4901801 05 10/01/95
0
4901801 O 09/01/25
0
1476264 181/181 F 120,000.00
ZZ
BOESPFLUG MICHAEL R 360 119,631.32
1
318 SEVENTH STREET 8.500 922.70
80
8.250 922.70
150,000.00
MEAD CO 80542 5 08/31/95
00
4901878 05 11/01/95
0
4901878 O 10/01/25
0
1476265 181/181 F 256,000.00
ZZ
GORDON ALLAN E 360 255,193.21
1
10324 ST ANDREWS DRIVE 8.375 1,945.79
80
8.125 1,945.79
320,000.00
OAKDALE CA 95361 5 08/31/95
00
4902106 05 11/01/95
0
4902106 O 10/01/25
0
1476268 181/181 F 274,500.00
ZZ
AGOPIAN HAROUT 360 273,677.91
1
10115 WHITE OAK AVENUE 8.625 2,135.04
71
8.375 2,135.04
390,000.00
NORTHRIDGE CA 91325 2 09/06/95
00
4902785 05 11/01/95
0
1
4902785 O 10/01/25
0
1476269 181/181 F 242,550.00
ZZ
PRICE DAVID L 360 239,351.28
1
1749 LE FLORE DRIVE 8.000 1,779.75
70
7.750 1,779.75
350,000.00
LA HABRA HEIGHT CA 90631 2 09/25/95
00
4902939 05 11/01/95
0
4902939 O 10/01/25
0
1476271 181/181 F 136,800.00
ZZ
DUGAY FELIX 360 136,379.69
1
1447 PRINCESS MANOR COURT 8.500 1,051.88
80
8.250 1,051.88
171,000.00
CHULA VISTA CA 91911 5 09/12/95
00
4902998 05 11/01/95
0
4902998 O 10/01/25
0
1476272 181/181 F 616,000.00
ZZ
BAILEY MICHAEL H 360 614,008.76
1
8 MASONGATE DRIVE 8.250 4,627.81
71
8.000 4,627.81
870,000.00
ROLLING HILLS E CA 90274 2 09/19/95
00
4903048 05 11/01/95
0
4903048 O 10/01/25
0
1476276 181/181 F 280,000.00
ZZ
KIRKPATRICK STEVEN D 360 279,278.40
1
951 SUNSET DRIVE 8.250 2,103.55
70
8.000 2,103.55
400,000.00
SAN CARLOS CA 94070 5 10/02/95
00
4903595 05 12/01/95
0
4903595 O 11/01/25
0
1476280 181/181 F 258,000.00
ZZ
FISCHER GEORGE J 360 222,686.45
1
2351 ORCHID HILL PLACE 8.500 1,983.80
80
8.250 1,983.80
322,500.00
SANTA ANA CA 92707 5 10/12/95
00
4904770 05 12/01/95
0
4904770 O 11/01/25
0
1
1476282 181/181 F 390,000.00
ZZ
ABERNATHY GREGORY R 360 389,069.00
1
203 WELLINGTON ROAD 8.625 3,033.38
49
8.375 3,033.38
800,000.00
BRECKENRIDGE CO 80424 5 10/04/95
00
4905296 05 12/01/95
0
4905296 O 11/01/25
0
1476283 181/181 F 343,200.00
ZZ
NEWTON STEVEN W 360 342,337.74
1
35402 PASEO VIENTO 8.375 2,608.57
80
8.125 2,608.57
429,000.00
DANA POINT CA 92624 1 10/19/95
00
4905717 05 12/01/95
0
4905717 O 11/01/25
0
1476285 181/181 F 76,800.00
ZZ
LEOW HENRY B 360 76,711.30
1
8420 BUTTERNUT DRIVE 8.750 604.19
80
8.500 604.19
96,000.00
CITRUS HEIGHTS CA 95621 5 12/01/95
00
4907329 05 02/01/96
0
4907329 O 01/01/26
0
1476286 181/181 F 452,000.00
ZZ
KIKUCHI MIKE 360 450,112.51
1
5917 CLINT PLACE 8.500 3,475.49
80
8.250 3,475.49
565,000.00
RANCHO PALOS VE CA 90274 2 11/02/95
00
4907345 05 01/01/96
0
4907345 O 12/01/25
0
1476288 181/181 F 184,000.00
ZZ
MARTIN FRANCES L 360 183,636.48
1
2151 EAST HIGHWAY 7 8.125 1,366.19
80
7.875 1,366.19
230,000.00
BRIGHTON CO 80601 5 11/10/95
00
4908198 05 01/01/96
0
4908198 O 12/01/25
0
1476293 181/181 F 296,000.00
ZZ
WANG JIA R 360 295,591.24
1
2329 CECELIA AVENUE 7.875 2,146.21
80
7.625 2,146.21
370,000.00
1
SAN FRANCISCO CA 94116 1 11/30/95
00
4913710 05 02/01/96
0
4913710 O 01/01/26
0
1476295 181/181 F 324,000.00
ZZ
GEARY JOHN P 360 323,798.61
1
11380 LAKE RIM ROAD 8.375 2,462.64
80
8.125 2,462.64
410,000.00
SAN DIEGO CA 92131 2 01/08/96
00
4915861 05 03/01/96
0
4915861 O 02/01/26
0
1476298 181/181 F 101,600.00
ZZ
VAUGHAN JOHN W 360 101,479.59
1
2601 3RD STREET NE 8.625 790.24
80
8.375 790.24
127,000.00
WASHINGTON DC 20002 5 12/19/95
00
4941322 05 02/01/96
0
4941322 O 01/01/26
0
1476301 181/181 F 292,500.00
ZZ
BRACHFELD JOSEPH 360 292,322.80
2
1045 55TH STREET 8.500 2,249.07
90
8.250 2,249.07
325,000.00
BROOKLYN NY 11219 1 01/03/96
12
4952782 05 03/01/96
25
4952782 O 02/01/26
0
1476315 232/232 F 251,400.00
ZZ
LINKINS GAIL 355 251,057.52
1
107 SOUTH DRIVE 8.125 1,872.85
80
7.875 1,872.85
314,277.00
FAIRHOPE AL 36532 1 01/12/96
00
881011 05 02/01/96
0
881011 O 08/01/25
0
1476336 961/728 F 286,750.00
ZZ
MANCINELLI CHRISTIANR 360 286,552.66
1
12103 ALDERGROVE STREET 7.875 2,079.14
79
7.625 2,079.14
365,000.00
MOORPARK CA 93021 2 01/12/96
00
0380346040 03 03/01/96
0
09108518 O 02/01/26
0
1
1476342 450/728 F 435,000.00
ZZ
LAM JOSEPH 360 434,708.12
1
18691 CARRIAGE HILL DRIVE 8.000 3,191.88
80
7.750 3,191.88
550,000.00
SAN JOSE CA 95120 2 01/09/96
00
0380353335 05 03/01/96
0
3963816 O 02/01/26
0
1476422 698/698 F 385,000.00
ZZ
LAYMAN MICHAEL 360 384,760.70
1
31350 LOBO CANYON ROAD 8.375 2,926.28
70
8.125 2,926.28
550,000.00
AGOURA AREA CA 91301 2 01/17/96
00
11501909 05 03/01/96
0
11501909 O 02/01/26
0
1476428 028/728 F 124,500.00
ZZ
SHANNON LEON H 360 124,414.32
1
2512 PEBBLE DRIVE 7.875 902.71
72
7.625 902.71
175,000.00
GRANBURY TX 76048 2 01/26/96
00
0380346180 03 03/01/96
0
0121630 O 02/01/26
0
1476431 698/728 F 156,000.00
ZZ
BLANCHET ALBERTO 360 155,905.49
1
866 SOUTH MARJAN STREET 8.500 1,199.51
80
8.250 1,199.51
195,000.00
ANAHEIM CA 92806 2 01/16/96
00
0380360959 05 03/01/96
0
15301955 O 02/01/26
0
1476434 317/728 F 455,000.00
ZZ
SLADE JEANNE L 360 454,717.19
1
1742 FAIRVIEW AVENUE 8.375 3,458.33
65
8.125 3,458.33
705,000.00
MCLEAN VA 22101 2 01/26/96
00
0380346586 05 03/01/96
0
232505 O 02/01/26
0
1476451 028/728 F 277,500.00
ZZ
MARCH PAUL I 360 277,327.52
1
1
7850 ORION LANE 8.375 2,109.20
71
8.125 2,109.20
395,000.00
CUPERTINO CA 95014 2 01/22/96
00
0380346149 05 03/01/96
0
121803 O 02/01/26
0
1476453 965/728 F 470,000.00
ZZ
PAULLETTE ROBERT R 360 470,000.00
1
5873 EAST PLACITA ALTA REPOSA 7.625 3,326.63
75
7.375 3,326.63
630,000.00
TUCSON AZ 85750 2 02/06/96
00
0380346123 03 04/01/96
0
138529 O 03/01/26
0
1476455 744/728 F 247,000.00
ZZ
BRADLEY WILLIAM P 360 247,000.00
1
1535 MOZART STREET 8.250 1,855.63
77
8.000 1,855.63
322,000.00
ALAMEDA CA 94501 2 02/01/96
00
0380346453 05 04/01/96
0
76402 O 03/01/26
0
1476462 664/728 F 195,000.00
ZZ
YBARRA CLEM M 360 194,881.86
1
12515 ARISTO PLACE 8.500 1,499.39
71
8.250 1,499.39
275,000.00
GRANADA HILLS A CA 91344 2 01/29/96
00
0380346081 05 03/01/96
0
2064459 O 02/01/26
0
1476464 936/728 F 400,000.00
ZZ
LARKIN WAYNE 360 399,724.72
1
9205 GOLDEN EAGLE DRIVE 7.875 2,900.28
58
7.625 2,900.28
700,000.00
LAS VEGAS NV 89134 1 01/23/96
00
0380346115 03 03/01/96
0
6007082 O 02/01/26
0
1476474 559/728 F 252,000.00
ZZ
BAKER MARK B 360 252,000.00
1
1769 KIMBERLY DRIVE 8.000 1,849.09
77
7.750 1,849.09
330,000.00
SUNNYVALE CA 94087 2 01/29/96
00
0380346388 05 04/01/96
0
1
0431767 O 03/01/26
0
1476484 E22/728 F 90,000.00
ZZ
CAMINITI SALVATORE 360 89,936.48
1
25081 ORO VALLEY ROAD 7.750 644.77
51
7.500 644.77
177,000.00
AUBURN CA 95602 5 01/30/96
00
0410048540 03 03/01/96
0
0410048540 O 02/01/26
0
1476573 076/076 F 271,000.00
T
O'CONNOR III FRANK C 360 270,835.82
1
56 BAY AVENUE 8.500 2,083.76
75
8.250 2,083.76
365,000.00
MARSHFIELD MA 02041 5 01/11/96
00
4598772 05 03/01/96
0
4598772 O 02/01/26
0
1476582 B73/728 F 230,000.00
ZZ
RYDER THOMAS R 360 229,837.67
1
25990 WILSON ROAD 7.750 1,647.75
80
7.500 1,647.75
290,000.00
ANTIOCH IL 60002 2 01/29/96
00
0380350158 05 03/01/96
0
7692395 O 02/01/26
0
1476583 B73/728 F 269,900.00
ZZ
TATE JR ARTHUR W 360 269,718.90
1
28 HILLCREST DRIVE 8.000 1,980.43
90
7.750 1,980.43
299,900.00
HARVARD MA 01451 1 01/12/96
14
0380348178 05 03/01/96
25
7691900 O 02/01/26
0
1476598 403/403 F 250,988.76
ZZ
DENNY JANET E 330 250,781.96
1
106 DODGINGTOWN ROAD 8.090 1,898.88
77
7.840 1,898.88
330,000.00
BETHEL CT 06807 2 12/04/95
00
1899756 05 03/01/96
0
1899756 O 08/01/23
0
1
1476616 766/728 F 71,000.00
ZZ
ZALDIVAR JOHN J 360 71,000.00
1
11383 SW 74 STREET 7.875 514.80
63
7.625 514.80
113,000.00
MIAMI FL 33173 1 02/08/96
00
0380348541 03 04/01/96
0
9611005 O 03/01/26
0
1476654 822/728 F 153,180.00
ZZ
NATTER GLENN A 360 153,066.32
1
1574 TURK ROAD 7.500 1,071.06
60
7.250 1,071.06
255,300.00
WARRINGTON PA 18976 1 01/18/96
00
0380350513 05 03/01/96
0
1306003938 O 02/01/26
0
1476667 163/163 F 235,000.00
ZZ
MOSER LAWRENCE K 360 234,853.93
1
4427 GLENWICK LANE 8.375 1,786.17
49
8.125 1,786.17
480,000.00
UNIVERSITY PARK TX 75205 2 01/26/96
00
55358860 05 03/01/96
0
55358860 O 02/01/26
0
1476683 822/728 F 410,000.00
ZZ
KARRAS CHRISTOPHG 360 409,717.84
1
7800 NAVAJO STREET 7.875 2,972.79
75
7.625 2,972.79
550,000.00
PHILADELPHIA PA 19118 2 01/19/96
00
0380346958 05 03/01/96
0
1306003954 O 02/01/26
0
1476688 822/728 F 208,000.00
ZZ
NITTOLO MICHAEL L 360 207,198.80
1
1906 ROBIN HOOD DRIVE 7.375 1,436.61
60
7.125 1,436.61
350,000.00
WALL TOWNSHIP NJ 07719 2 08/29/95
00
0380348293 05 11/01/95
0
0176185734 O 10/01/25
0
1476689 698/728 F 138,400.00
ZZ
LOADER DANNY J 360 138,307.14
1
2015 LAKEWOOD DRIVE 8.000 1,015.53
80
7.750 1,015.53
173,000.00
1
SAN JOSE CA 95132 2 01/18/96
00
0380355793 05 03/01/96
0
7403075 O 02/01/26
0
1476694 765/728 F 332,000.00
ZZ
PEARCE JEFFREY S 360 332,000.00
1
5717 CREST DE VILLE 8.375 2,523.44
80
8.125 2,523.44
415,000.00
ORANGE CA 92667 2 02/05/96
00
0380348046 03 04/01/96
0
312421 O 03/01/26
0
1476695 664/728 F 227,250.00
ZZ
DANNA KENNETH M 360 227,250.00
1
14609 SE MEGAN WAY 7.625 1,608.47
90
7.375 1,608.47
252,500.00
CLACKAMAS OR 97015 1 02/06/96
10
0380358813 05 04/01/96
25
2167351 O 03/01/26
0
1476699 764/728 F 247,500.00
ZZ
IZUSHIMA AKIRA 360 247,329.67
1
18287 SANTA JOANANA CIRCLE 7.875 1,794.55
75
7.625 1,794.55
330,000.00
FOUNTAIN VALLEY CA 92708 1 01/29/96
00
0380346164 03 03/01/96
0
890104 O 02/01/26
0
1476704 470/728 F 555,000.00
ZZ
ANGEL FELIPE 360 554,646.10
1
25752 DILLON ROAD 8.250 4,169.53
59
8.000 4,169.53
950,000.00
LAGUNA HILLS CA 92653 2 01/30/96
00
0380346230 03 03/01/96
0
24147020 O 02/01/26
0
1476711 624/728 F 221,000.00
ZZ
VOGAN MARIE T 360 221,000.00
1
94-341 KAHOLO STREET 7.875 1,602.40
70
7.625 1,602.40
320,000.00
MILILANI HI 96789 2 02/07/96
00
0380350869 03 04/01/96
0
70014029883 O 03/01/26
0
1
1476713 559/728 F 243,000.00
ZZ
HOLLAND PETER 360 243,000.00
1
140 VISTA MAR COURT 7.625 1,719.94
90
7.375 1,719.94
270,000.00
APTOS CA 95003 1 02/01/96
14
0380346503 05 04/01/96
25
0451765 O 03/01/26
0
1476719 559/728 F 225,000.00
ZZ
HALNAN STEPHANIE 360 225,000.00
1
4261 GREENVALE ROAD 7.750 1,611.93
90
7.500 1,611.93
250,000.00
FAIR OAKS CA 95628 1 02/05/96
10
0380346495 05 04/01/96
20
0454413 O 03/01/26
0
1476728 736/728 F 241,000.00
ZZ
LENABURG RAYMOND T 360 241,000.00
1
4 STONEHAVEN COURT 7.625 1,705.78
65
7.375 1,705.78
375,000.00
NOVATO CA 94947 2 02/05/96
00
0380348970 05 04/01/96
0
460783 O 03/01/26
0
1476729 685/728 F 268,000.00
ZZ
VALCHEV STAN 360 268,000.00
1
318 SOUTH SYCAMORE AVENUE 7.500 1,873.89
80
7.250 1,873.89
335,000.00
LOS ANGELES CA 90036 1 02/09/96
00
0380351909 05 04/01/96
0
103363 O 03/01/26
0
1476739 A06/728 F 336,000.00
ZZ
DADOU MAHER H 360 336,000.00
1
2400 INDIANWOOD 7.875 2,436.24
80
7.625 2,436.24
420,000.00
ORION TOWNSHIP MI 48362 1 02/08/96
00
0380351859 05 04/01/96
0
9601192 O 03/01/26
0
1476742 772/772 F 235,000.00
ZZ
SOLAK MARK J 360 234,838.27
1
1
4116 NELSON COURT 7.875 1,703.92
68
7.625 1,703.92
350,000.00
WOODRIDGE IL 60517 1 01/09/96
00
5950594 03 03/01/96
0
5950594 O 02/01/26
0
1476746 354/354 F 245,160.00
ZZ
SWANSON WALTER L 360 244,367.51
1
#6 ORCHARD PLACE 8.250 1,841.81
91
8.000 1,841.81
270,000.00
HARRISONVILLE MO 64701 1 10/05/95
04
1457704 03 11/01/95
25
1457704 O 10/01/25
0
1476747 354/354 F 438,700.00
ZZ
KORMONDY CHERIE A 360 437,510.72
1
3142 EAST 88TH ST SOUTH 8.000 3,219.03
75
7.750 3,219.03
585,000.00
TULSA OK 74137 2 10/17/95
00
1479286 03 12/01/95
0
1479286 O 11/01/25
0
1476748 354/354 F 433,650.00
ZZ
MELTON ROBERT N 360 432,678.44
1
15312 PAREV TERRACE 7.500 3,032.15
80
7.250 3,032.15
542,080.00
DARNESTOWN MD 20874 1 11/17/95
00
1562479 03 01/01/96
0
1562479 O 12/01/25
0
1476749 354/354 F 358,300.00
ZZ
ECHOLS, SR RANDALL E 360 357,766.51
1
601 JAMES RIDGE ROAD 7.500 2,505.29
90
7.250 2,505.29
398,120.00
BOWIE MD 20721 1 12/21/95
14
1633213 03 02/01/96
25
1633213 O 01/01/26
0
1476753 354/354 F 272,000.00
ZZ
KEYES JAMES A 360 271,281.01
1
610 FOREST VIEW WAY 8.125 2,019.60
80
7.875 2,019.60
340,000.00
MONUMENT CO 80132 4 10/26/95
00
3010790 05 12/01/95
0
1
3010790 O 11/01/25
0
1476754 354/354 F 242,700.00
ZZ
BROWN JERRY G 360 242,156.27
1
1 CAVALCADE LANE 7.500 1,696.99
80
7.250 1,696.99
303,435.00
STAFFORD VA 22554 1 12/05/95
00
3022837 03 01/01/96
0
3022837 O 12/01/25
0
1476757 354/354 F 240,000.00
ZZ
STEELE BILLIE A 360 239,332.80
1
520 SOUTH HENRY STREET 7.875 1,740.17
75
7.625 1,740.17
320,000.00
WILLIAMSBURG VA 23185 1 10/31/95
00
4196796 01 12/01/95
0
4196796 O 11/01/25
0
1476767 354/354 F 422,834.00
ZZ
BISHOF MARK C 360 421,886.68
1
800 SHERLIN LANE 7.500 2,956.52
80
7.250 2,956.52
528,543.00
GREAT FALLS VA 22066 1 11/29/95
00
5059720 03 01/01/96
0
5059720 O 12/01/25
0
1476771 354/354 F 297,900.00
ZZ
MINER THOMAS 360 296,835.02
1
92 VALEVIEW RD 7.750 2,134.20
90
7.500 2,134.20
331,000.00
WILTON CT 06897 1 09/29/95
11
5129671 05 11/01/95
25
5129671 O 10/01/25
0
1476774 354/354 F 215,800.00
ZZ
BURUD MARK R 360 215,478.68
1
500 ASHBY DRIVE 7.500 1,508.91
95
7.250 1,508.91
227,160.00
DAVIDSON NC 28222 1 12/20/95
11
5230412 03 02/01/96
30
5230412 O 01/01/26
0
1
1476783 354/354 F 292,000.00
ZZ
GAUL JOHN F 360 290,646.22
1
5907 CRANSTON ROAD 7.375 2,016.77
80
7.125 2,016.77
365,000.00
BETHESDA MD 20816 1 08/29/95
00
5313382 05 10/01/95
0
5313382 O 09/01/25
0
1476786 354/354 F 456,200.00
ZZ
WILLIAMS ERIC M 360 455,570.02
1
5001 JOHNSON ROAD 7.875 3,307.77
77
7.625 3,307.77
600,000.00
LINCOLN NE 68516 2 12/19/95
00
5351853 05 02/01/96
0
5351853 O 01/01/26
0
1476794 354/354 F 274,250.00
ZZ
MAHER CHRISTOPHP 360 273,694.26
1
526 OSPREY DRIVE 8.000 2,012.35
80
7.750 2,012.35
342,869.00
REDWOOD CITY CA 94065 1 11/17/95
00
5414016 03 01/01/96
0
5414016 O 12/01/25
0
1476795 354/354 F 240,000.00
ZZ
ROSSI ENRICO L 360 239,315.85
1
813 BANTAM WAY 7.750 1,719.39
64
7.500 1,719.39
375,000.00
PETALUMA CA 94952 1 10/05/95
00
5415799 05 12/01/95
0
5415799 O 11/01/25
0
1476797 354/354 F 216,110.00
ZZ
WEAVER DAVID P 360 215,953.58
1
1164 ISABELLE DRIVE 7.625 1,529.62
88
7.375 1,529.62
246,110.00
OWINGS MD 20736 1 01/04/96
10
6216634 05 03/01/96
25
6216634 O 02/01/26
0
1476799 354/354 F 234,000.00
ZZ
CZERNYSZ-CZERNIACHOWMICHAEL L 360 233,329.36
1
20072 VINTAGE LANE 7.875 1,696.66
90
7.625 1,696.66
260,000.00
1
HUNTINGTON BEAC CA 92646 1 10/19/95
11
6221642 02 12/01/95
25
6221642 O 11/01/25
0
1476804 354/354 F 350,000.00
ZZ
BERNHARD DAVID E 360 347,483.32
1
2553 ARLOTTA PLACE 7.875 2,537.74
60
7.625 2,537.74
583,490.00
PLEASANTON CA 94588 1 10/05/95
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6324933 03 12/01/95
0
6324933 O 11/01/25
0
1476805 354/354 F 285,350.00
ZZ
DUNN CARL A 360 284,814.19
1
13002 BENT OAK DRIVE 8.375 2,168.87
80
8.125 2,168.87
356,749.00
WOODWAY TX 76712 1 11/07/95
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6328033 05 01/01/96
0
6328033 O 12/01/25
0
1476807 354/354 F 255,950.00
ZZ
GALKOWSKI, JR JOE G 360 255,290.11
1
4186 MILTON WAY 8.250 1,922.87
80
8.000 1,922.87
319,949.00
LIVERMORE CA 94550 1 10/17/95
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6380943 05 12/01/95
0
6380943 O 11/01/25
0
1476811 354/354 F 356,100.00
ZZ
MEYER GREGORY K 360 355,556.42
1
43 VICENZA COURT 7.375 2,459.49
80
7.125 2,459.49
445,240.00
DANVILLE CA 94526 1 12/14/95
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7138605 03 02/01/96
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7138605 O 01/01/26
0
1476812 354/354 F 229,000.00
ZZ
MOLLOY KEVIN 360 228,424.66
1
1215 GOLD DUST TRAIL 8.375 1,740.57
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8.125 1,740.57
286,250.00
SOUTH LAKE TAHO CA 96150 1 10/13/95
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7197965 05 12/01/95
0
7197965 O 11/01/25
0
1
1476815 354/354 F 360,000.00
ZZ
KIM GABE 360 348,459.27
1
4432 BIJAN COURT 8.125 2,672.99
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7.875 2,672.99
450,000.00
FAIR OAKS CA 95628 2 10/12/95
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7206923 05 12/01/95
0
7206923 O 11/01/25
0
1476816 354/354 F 253,650.00
ZZ
LANGE KEVIN M 360 253,095.73
1
11045 SOLARIDGE DRIVE 7.625 1,795.32
95
7.375 1,795.32
267,000.00
RESTON VA 22091 1 11/29/95
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7213572 03 01/01/96
30
7213572 O 12/01/25
0
1476818 354/354 F 273,000.00
ZZ
DUNDORE MARK C 360 272,432.66
1
97 EAST LOS PADRES DRIVE 7.875 1,979.44
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7.625 1,979.44
368,000.00
THOUSAND OAKS CA 91361 1 11/08/95
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7807597 O 12/01/25
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1476820 354/354 F 244,185.00
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QUIGGLE GREGORY L 360 243,637.92
1
7100 MORNING LIGHT TR 7.500 1,707.38
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7.250 1,707.38
305,232.00
COLUMBIA MD 21044 1 11/22/95
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0
8303349 O 12/01/25
0
1476822 354/354 F 450,000.00
ZZ
STURM GLENN W 360 449,674.30
1
3365 HABERSHAM ROAD N.W. 7.625 3,185.08
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7.375 3,185.08
760,000.00
ATLANTA GA 30305 5 01/12/96
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8304206 O 02/01/26
0
1476824 354/354 F 227,700.00
ZZ
DUFFEY THOMAS O 360 227,226.78
1
1
128 WEST BELVEDERE ROAD 7.875 1,650.99
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7.625 1,650.99
253,000.00
NORFOLK VA 23505 2 11/21/95
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8329278 05 01/01/96
25
8329278 O 12/01/25
0
1476825 354/354 F 238,800.00
ZZ
MIRAMONTES JOSE M 360 238,102.05
1
128 SAXONY COURT 7.625 1,690.21
90
7.375 1,690.21
265,357.00
VALLEJO CA 94591 1 10/17/95
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8334534 05 12/01/95
25
8334534 O 11/01/25
0
1476826 354/354 F 232,500.00
ZZ
BOOHER DAVID E 360 231,915.87
1
912 VALENCIA AVENUE 8.375 1,767.17
85
8.125 1,767.17
275,000.00
DAVIS CA 95616 2 10/25/95
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8334567 05 12/01/95
12
8334567 O 11/01/25
0
1476832 354/354 F 217,800.00
ZZ
SAMET TOM 360 217,483.72
1
7108 RIDGE CREST DRIVE 7.625 1,541.58
90
7.375 1,541.58
242,000.00
FREDERICK MD 21702 1 12/26/95
12
9458456 05 02/01/96
25
9458456 O 01/01/26
0
1476836 354/354 F 353,600.00
ZZ
CHIRNSIDE WANDA L 360 351,869.29
1
6 HARVEST GLEN COURT 8.250 2,656.48
80
8.000 2,656.48
442,000.00
HAWTHORN WOODS IL 60047 1 10/09/95
00
20000378 05 12/01/95
0
20000378 O 11/01/25
0
1476837 354/354 F 368,000.00
ZZ
NAUMANN WALTER 360 367,465.59
1
1027 ALAMEDA PADRE SERRA 7.625 2,604.69
80
7.375 2,604.69
460,000.00
SANTA BARBARA CA 93103 2 12/11/95
00
20000766 05 02/01/96
0
1
20000766 O 01/01/26
0
1476845 354/354 F 253,649.00
ZZ
SIDNEY PETER 360 253,147.85
1
2431 BRIDLE CREEK TRAIL 8.125 1,883.34
80
7.875 1,883.34
317,059.00
CHANHASSEN MN 55317 1 11/22/95
00
20018701 05 01/01/96
0
20018701 O 12/01/25
0
1476847 354/354 F 248,900.00
ZZ
LOCKWOOD ROBERT J 360 248,564.85
1
5570 GOLD CREEK DRIVE 8.000 1,826.35
80
7.750 1,826.35
311,232.00
CASTRO VALLEY CA 94552 1 12/01/95
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20026084 03 02/01/96
0
20026084 O 01/01/26
0
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ZZ
JAY CHRISTOPHS 360 245,413.75
1
6 CHRISTIAN HILL ROAD 7.750 1,770.97
80
7.500 1,770.97
309,000.00
AMHERST NH 03031 1 10/24/95
00
20026605 05 12/01/95
0
20026605 O 11/01/25
0
1476854 354/354 F 346,500.00
ZZ
SPERA CHARLES 360 345,461.70
1
20 HARING LANE 7.500 2,422.78
70
7.250 2,422.78
495,000.00
MAHWAH NJ 07430 1 10/26/95
00
20031597 05 12/01/95
0
20031597 O 11/01/25
0
1476858 354/354 F 278,500.00
ZZ
ROSE LAURY L 360 277,963.56
1
212 EAST BRITTANY COURT 8.250 2,092.28
56
8.000 2,092.28
500,000.00
ARLINGTON HEIGH IL 60004 2 11/09/95
00
20033676 05 01/01/96
0
20033676 O 12/01/25
0
1
1476859 354/354 F 300,750.00
ZZ
CHAU HOA K 360 300,009.07
1
6255 RUNNING SPRINGS ROAD 7.750 2,154.61
79
7.500 2,154.61
384,374.00
SAN JOSE CA 95135 1 11/10/95
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20034351 05 01/01/96
0
20034351 O 12/01/25
0
1476864 354/354 F 268,000.00
ZZ
BAXTER JOHN C 360 266,761.67
1
3318 OAK TREE COURT 7.875 1,943.19
80
7.625 1,943.19
335,000.00
SUGARLAND TX 77479 1 09/27/95
00
20037636 05 11/01/95
0
20037636 O 10/01/25
0
1476867 354/354 F 400,000.00
ZZ
GUPTA SUNIL 360 399,229.52
1
35 HENRY ST 8.250 3,005.07
79
8.000 3,005.07
506,500.00
TOWN OF GREENBU NY 10583 1 11/15/95
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20040713 05 01/01/96
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20040713 O 12/01/25
0
1476868 354/354 F 270,000.00
ZZ
YANDLE WILLIAM M 360 269,424.62
1
6348 OLD CARVERSVILLE ROAD 7.750 1,934.31
76
7.500 1,934.31
356,000.00
SOLEBURY PA 18963 1 11/13/95
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20041315 05 01/01/96
0
20041315 O 12/01/25
0
1476870 354/354 F 300,000.00
ZZ
NEEDELS STEVEN S 360 299,327.87
1
6259 PLACID COURT 7.500 2,097.65
78
7.250 2,097.65
388,964.00
SAN JOSE CA 95135 1 11/11/95
00
20043196 05 01/01/96
0
20043196 O 12/01/25
0
1476873 354/354 F 240,500.00
ZZ
SMITH DAVID W 360 239,864.29
1
5308 ANGELES DRIVE 8.125 1,785.71
76
7.875 1,785.71
320,000.00
1
KNOXVILLE TN 37918 2 10/25/95
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20043501 05 12/01/95
0
20043501 O 11/01/25
0
1476875 354/354 F 274,720.00
ZZ
GRIFFING BRANDON 360 273,993.84
1
1304 WALNUT CREEK COURT 8.125 2,039.79
80
7.875 2,039.79
343,456.00
MAHOMET IL 61853 1 10/19/95
00
20047197 05 12/01/95
0
20047197 O 11/01/25
0
1476883 354/354 F 251,100.00
ZZ
SYTSMA MARK D 360 250,224.55
1
5690 SW PROSPERITY PARK ROAD 7.875 1,820.65
90
7.625 1,820.65
279,000.00
TUALATIN OR 97062 1 09/20/95
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20048682 05 11/01/95
25
20048682 O 10/01/25
0
1476884 354/354 F 256,500.00
ZZ
ROTHMAN RON 360 255,605.74
1
22537 SUSANA AVENUE 7.875 1,859.80
90
7.625 1,859.80
285,000.00
TORRANCE CA 90505 1 09/22/95
11
20049219 05 11/01/95
25
20049219 O 10/01/25
0
1476885 354/354 F 244,000.00
ZZ
LONEKER KEITH J 360 243,517.92
1
4700 CHERRY HILLS COURT 8.125 1,811.69
80
7.875 1,811.69
306,693.00
LAWRENCE KS 66047 1 11/29/95
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20049243 05 01/01/96
0
20049243 O 12/01/25
0
1476886 354/354 F 305,000.00
ZZ
CONWAY MICHAEL L 360 304,062.96
1
3301 MORNINGVIEW TERRACE 8.500 2,345.19
68
8.250 2,345.19
450,000.00
BLOOMFIELD HILL MI 48301 5 10/02/95
00
20049813 05 11/01/95
0
20049813 O 10/01/25
0
1
1476887 354/354 F 230,000.00
ZZ
FERENCE THOMAS A 360 229,648.89
1
1610 FAIRFAX LANE 7.375 1,588.56
75
7.125 1,588.56
310,000.00
OAKBROOK TERRAC IL 60181 1 12/22/95
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20049821 01 02/01/96
0
20049821 O 01/01/26
0
1476890 354/354 F 346,750.00
ZZ
NGUYEN KHOA 360 346,011.06
1
6223 DOVE TAIL COURT 7.750 2,484.16
90
7.500 2,484.16
385,331.00
SAN JOSE CA 95135 1 11/20/95
04
20050191 05 01/01/96
25
20050191 O 12/01/25
0
1476892 354/354 F 232,800.00
ZZ
CHENG XUEHENG 360 232,200.05
1
1212 BRIAN CIRCLE 8.250 1,748.95
80
8.000 1,748.95
291,000.00
LIBERTYVILLE IL 60048 1 10/26/95
00
20050886 05 12/01/95
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20050886 O 11/01/25
0
1476893 354/354 F 271,400.00
ZZ
SANDSTROM ROGER H 360 271,015.64
1
5619 GOLD CREEK DRIVE 7.750 1,944.35
80
7.500 1,944.35
339,252.00
CASTRO VALLEY CA 94552 1 12/14/95
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20052205 03 02/01/96
0
20052205 O 01/01/26
0
1476896 354/354 F 295,000.00
ZZ
HENRY MICHAEL F 360 294,116.03
1
14 LAUGHLIN LANE 7.500 2,062.68
80
7.250 2,062.68
369,900.00
PHILADELPHIA PA 19118 1 10/26/95
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20054995 O 11/01/25
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1476897 354/354 F 227,000.00
ZZ
WEST WILLIAM H 360 226,319.78
1
1
957 TOWNSHIP LINE ROAD 7.500 1,587.22
86
7.250 1,587.22
266,000.00
BLUE BELL PA 19422 1 10/26/95
01
20055000 05 12/01/95
20
20055000 O 11/01/25
0
1476902 354/354 F 215,900.00
ZZ
DEGEN RICHARD G 360 215,329.28
1
13952 BERRINGTON COURT 8.125 1,603.06
90
7.875 1,603.06
239,900.00
SANTA ANA AREA CA 92705 1 10/04/95
04
20056636 03 12/01/95
30
20056636 O 11/01/25
0
1476910 354/354 F 300,000.00
ZZ
MCCAULEY REED M 360 299,327.87
1
6205 DOVE TAIL COURT 7.500 2,097.65
74
7.250 2,097.65
406,370.00
SAN JOSE CA 95135 1 11/20/95
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20062030 05 01/01/96
0
20062030 O 12/01/25
0
1476912 354/354 F 216,700.00
ZZ
GIBBONS RICHARD 360 216,141.52
1
5727 TWIN BROOKS DRIVE 8.250 1,628.00
85
8.000 1,628.00
256,000.00
DALLAS TX 75252 2 10/02/95
10
20064309 03 12/01/95
12
20064309 O 11/01/25
0
1476914 354/354 F 237,900.00
ZZ
CANADY STEVEN R 360 237,187.13
1
7733 DENROCK AVENUE 7.500 1,663.43
76
7.250 1,663.43
316,000.00
LOS ANGELES CA 90045 2 10/25/95
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20064762 05 12/01/95
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20064762 O 11/01/25
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1476915 354/354 F 232,200.00
ZZ
OCHS JAMES G 360 231,521.32
1
16875 SOUTH 18TH WAY 7.625 1,643.50
90
7.375 1,643.50
259,440.00
PHOENIX AZ 85048 1 10/24/95
12
20065231 03 12/01/95
25
1
20065231 O 11/01/25
0
1476920 354/354 F 249,750.00
ZZ
FREY RICHARD A 360 249,422.15
1
14045 EAST GRAND AVENUE 8.125 1,854.39
90
7.875 1,854.39
277,525.00
AURORA CO 80015 1 12/29/95
04
20067971 03 02/01/96
25
20067971 O 01/01/26
0
1476927 354/354 F 263,200.00
ZZ
JOHNSON KENT R 360 262,486.49
1
710 15TH AVENUE EAST 8.000 1,931.27
70
7.750 1,931.27
377,000.00
SEATTLE WA 98112 2 10/26/95
00
20073425 05 12/01/95
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20073425 O 11/01/25
0
1476938 354/354 F 219,000.00
ZZ
PARKER GLEN E. 360 218,578.15
1
0075 DEER RUN 8.250 1,645.28
77
8.000 1,645.28
285,000.00
CARBONDALE CO 81623 1 11/30/95
00
20075230 03 01/01/96
0
20075230 O 12/01/25
0
1476939 354/354 F 230,600.00
ZZ
PYLE STEPHEN K 360 230,035.23
1
3581 MANN ROAD 8.500 1,773.12
80
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1
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24048357 O 11/01/25
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24061418 O 12/01/25
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24065831 05 12/01/95
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24065831 O 11/01/25
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1477428 354/354 F 300,000.00
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24067373 05 02/01/96
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24067373 O 01/01/26
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24069312 O 11/01/25
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24071342 O 11/01/25
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279,500.00
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CLAY WILLIAM M 360 263,451.35
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HEISSNER ROBERT L 360 461,848.30
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577,865.00
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BB
ABAYA ARNOLD M 360 217,796.57
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24076812 O 11/01/25
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MASON JOANNE G 360 212,436.98
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24078891 05 12/01/95
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24078891 O 11/01/25
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24079097 O 12/01/25
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1
1477450 354/354 F 256,000.00
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1
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24082703 05 12/01/95
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24082703 O 11/01/25
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24085854 03 01/01/96
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24085854 O 12/01/25
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7.750 1,614.28
275,000.00
LAGUNA NIGUEL CA 92656 2 10/12/95
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24087603 03 12/01/95
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24087603 O 11/01/25
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CARSON--JR JOSEPH R 360 246,196.14
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259,900.00
COLLIERVILLE TN 38017 1 10/20/95
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24093155 05 12/01/95
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24093155 O 11/01/25
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SKOURAS PLATO A 360 348,267.57
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436,103.00
PACIFIC PALISAD CA 90272 1 12/07/95
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24096356 O 01/01/26
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1477469 354/354 F 296,000.00
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GILES THOMAS A 360 295,384.85
1
1
611 CRESS STREET 7.875 2,146.21
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7.625 2,146.21
370,000.00
LAGUNA BEACH CA 92651 2 11/03/95
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24097586 05 01/01/96
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24097586 O 12/01/25
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24099046 03 02/01/96
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24099046 O 01/01/26
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1477472 354/354 F 365,000.00
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CHENGER JOSEPH D 360 364,278.84
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NASHVILLE TN 37205 2 11/29/95
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24100521 05 01/01/96
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24100521 O 12/01/25
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1477475 354/354 F 208,000.00
ZZ
PITTS LYNN C 360 207,533.99
1
5201 MORROWICK ROAD 7.500 1,454.37
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260,000.00
CHARLOTTE NC 28226 1 11/29/95
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24100828 05 01/01/96
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24100828 O 12/01/25
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1477477 354/354 F 252,000.00
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WALLENFELS MICHAEL T 360 251,333.91
1
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7.875 1,871.09
315,000.00
SAN RAFAEL CA 94901 1 10/24/95
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24101321 05 12/01/95
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24101321 O 11/01/25
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1477478 354/354 F 246,000.00
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PETERSON THOMAS A 360 245,381.95
1
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8.125 1,869.78
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1
24101354 O 11/01/25
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JONES--JR ROY S 360 331,977.07
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371,725.00
SPRINGFIELD VA 22152 1 10/31/95
04
24105389 03 12/01/95
25
24105389 O 11/01/25
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1477487 354/354 F 245,400.00
ZZ
KLEIN JEFFREY L 360 244,751.34
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7.875 1,822.09
272,778.00
GRANITE BAY CA 95746 1 10/24/95
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24108573 03 12/01/95
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24108573 O 11/01/25
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1477491 354/354 F 263,250.00
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WEINBERG ROBERT S 360 262,702.91
1
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65
7.625 1,908.75
405,000.00
WEST HILLS CA 91304 2 11/16/95
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24110181 03 01/01/96
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24110181 O 12/01/25
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1477494 354/354 F 210,000.00
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YAZDANI HAMID R 360 209,710.01
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107 SHADY CREEK TRAIL 7.875 1,522.65
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7.625 1,522.65
234,000.00
CARY NC 27513 1 12/08/95
14
24111445 05 02/01/96
25
24111445 O 01/01/26
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1477498 354/354 F 279,000.00
ZZ
HAMMERLUND WILLIAM P 360 278,462.61
1
1221 PATIO COURT 8.250 2,096.03
79
8.000 2,096.03
355,000.00
CAMPBELL CA 95008 2 11/15/95
00
24113342 05 01/01/96
0
24113342 O 12/01/25
0
1
1477502 354/354 F 220,200.00
ZZ
CASTEL JEFFREY 360 219,764.94
1
2622 RUHLAND AVENUE 8.125 1,634.98
90
7.875 1,634.98
245,000.00
REDONDO BEACH CA 90278 1 11/09/95
14
24115404 07 01/01/96
25
24115404 O 12/01/25
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1477507 354/354 F 215,000.00
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ISOLA ANDREW C 360 214,354.78
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72
7.250 1,503.32
300,000.00
GILBERT SC 29054 2 11/22/95
00
24117509 03 01/01/96
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24117509 O 12/01/25
0
1477509 354/354 F 568,000.00
T
MORRISETTE, JR. WILLIAM F 360 566,789.52
1
7 SALTMEADOW ROAD 7.750 4,069.23
80
7.500 4,069.23
710,000.00
WILMINGTON NC 28405 1 11/17/95
00
24118010 03 01/01/96
0
24118010 O 12/01/25
0
1477510 354/354 F 300,000.00
ZZ
YUEN ALBERT C 360 299,436.68
1
331 WINWOOD AVENUE 8.375 2,280.22
80
8.125 2,280.22
375,000.00
PACIFICA CA 94044 2 11/06/95
00
24119315 05 01/01/96
0
24119315 O 12/01/25
0
1477511 354/354 F 220,850.00
ZZ
WILLIAMS ROGER L 360 220,521.16
1
4009 WHISPERING LANE 7.500 1,544.22
95
7.250 1,544.22
232,500.00
ANNANDALE VA 22003 1 12/15/95
04
24119372 05 02/01/96
30
24119372 O 01/01/26
0
1477512 354/354 F 375,000.00
ZZ
RUESCHER HANNES 360 374,220.69
1
848 SAN JUDE AVENUE 7.875 2,719.01
60
7.625 2,719.01
625,000.00
1
PALO ALTO CA 94306 1 11/02/95
00
24119489 05 01/01/96
0
24119489 O 12/01/25
0
1477518 354/354 F 224,950.00
ZZ
BURA SCOTT A 360 224,505.55
1
1518 CLARITA AVENUE 8.125 1,670.25
90
7.875 1,670.25
250,000.00
SAN JOSE CA 95130 1 11/02/95
04
24122731 05 01/01/96
25
24122731 O 12/01/25
0
1477519 354/354 F 400,000.00
ZZ
SHERWOOD BOZEMAN K 360 399,731.61
1
1088 LIGHTHOUSE II 8.000 2,935.06
80
7.750 2,935.06
500,000.00
HILTON HEAD SC 29928 1 01/17/96
00
24122830 08 03/01/96
0
24122830 O 02/01/26
0
1477520 354/354 F 280,500.00
ZZ
ARICO VINCENT J 360 279,959.72
1
14 SORBONNE 8.250 2,107.30
87
8.000 2,107.30
325,000.00
LAGUNA NIGUEL CA 92677 1 11/03/95
12
24125122 03 01/01/96
25
24125122 O 12/01/25
0
1477523 354/354 F 230,750.00
ZZ
BRADLEY DARIN S 360 229,878.41
1
1172 SHORECREST LANE 8.000 1,693.16
90
7.750 1,693.16
256,400.00
HUNTINGTON BEAC CA 92648 1 11/03/95
10
24125437 03 01/01/96
25
24125437 O 12/01/25
0
1477524 354/354 F 210,000.00
ZZ
WHITMAN JOHN 360 209,840.21
1
4823 SWINTON AVENUE 7.375 1,450.42
90
7.125 1,450.42
234,000.00
ENCINO AREA CA 91436 1 01/17/96
11
24125684 05 03/01/96
25
24125684 O 02/01/26
0
1
1477525 354/354 F 649,950.00
ZZ
MULET HAROLD L 360 648,957.82
1
5203 HEATHROW HILLS DRIVE 7.375 4,489.05
76
7.125 4,489.05
860,000.00
BRENTWOOD TN 37027 1 12/14/95
00
24126443 03 02/01/96
0
24126443 O 01/01/26
0
1477526 354/354 F 285,000.00
ZZ
DE GROOT PETER F 360 284,014.27
1
24935 OUTLOOK DRIVE 8.000 2,091.23
40
7.750 2,091.23
715,000.00
CARMEL CA 93923 5 12/05/95
00
24126773 05 02/01/96
0
24126773 O 01/01/26
0
1477527 354/354 F 299,200.00
ZZ
BALDWIN, JR BOYCE D 240 297,665.93
1
228 SMITH KNOLLS ROAD 8.000 2,502.63
80
7.750 2,502.63
374,000.00
FAIRVIEW NC 28730 1 11/29/95
00
24127128 05 01/01/96
0
24127128 O 12/01/15
0
1477531 354/354 F 257,400.00
ZZ
BARBER JEFFREY J 360 256,916.67
1
1069 DOLORES DRIVE 8.375 1,956.43
90
8.125 1,956.43
286,000.00
ALTADENA CA 91001 1 11/24/95
10
24129363 05 01/01/96
25
24129363 O 12/01/25
0
1477532 354/354 F 270,000.00
ZZ
LIN CHANG-YUA 360 269,479.93
1
23106 AUDREY AVENUE 8.250 2,028.42
58
8.000 2,028.42
470,000.00
TORRANCE CA 90505 2 11/16/95
00
24129413 03 01/01/96
0
24129413 O 12/01/25
0
1477533 354/354 F 287,000.00
ZZ
FILBIN MICHAEL M 360 286,403.57
1
1
13195 WATSONVILLE ROAD 7.875 2,080.95
76
7.625 2,080.95
380,000.00
MORGAN HILL CA 95037 2 11/09/95
00
24129546 05 01/01/96
0
24129546 O 12/01/25
0
1477535 354/354 F 384,800.00
ZZ
MIMELES DAVID C 360 384,058.81
1
633 MORSE STREET 8.250 2,890.87
80
8.000 2,890.87
481,000.00
SAN JOSE CA 95126 2 11/03/95
00
24129942 05 01/01/96
0
24129942 O 12/01/25
0
1477540 354/354 F 300,000.00
ZZ
KANOFSKY SAMUEL 360 299,392.10
1
235 SOUTH REEVES DRIVE NO. 102 8.000 2,201.29
80
7.750 2,201.29
375,000.00
BEVERLY HILLS CA 90212 2 11/19/95
00
24132060 01 01/01/96
0
24132060 O 12/01/25
0
1477544 354/354 F 254,400.00
ZZ
COX KENNETH C 360 253,884.48
1
941 FAIRVIEW DRIVE 8.000 1,866.70
80
7.750 1,866.70
318,000.00
WOODLAND CA 95695 2 11/16/95
00
24135725 05 01/01/96
0
24135725 O 12/01/25
0
1477546 354/354 F 624,000.00
ZZ
RUSKIN STEVEN M 360 623,070.91
1
1740 RAMIRO ROAD 7.500 4,363.10
80
7.250 4,363.10
780,000.00
SAN MARINO CA 91108 1 12/08/95
00
24135923 05 02/01/96
0
24135923 O 01/01/26
0
1477548 354/354 F 220,000.00
ZZ
MICHELS BRIAN J 360 219,542.82
1
15 WHITE WAY 7.875 1,595.15
72
7.625 1,595.15
307,000.00
SAN ANSELMO CA 94960 1 11/10/95
00
24137283 05 01/01/96
0
1
24137283 O 12/01/25
0
1477562 354/354 F 222,000.00
ZZ
SHAHABI MEHRDAD 360 221,701.09
1
1143 CROWNE DRIVE 8.000 1,628.96
90
7.750 1,628.96
248,000.00
PASADENA CA 91107 2 12/05/95
12
24145534 09 02/01/96
25
24145534 O 01/01/26
0
1477565 354/354 F 290,000.00
ZZ
SHUTT RICHARD A 360 289,609.53
1
9614 NORTH 23RD STREET 8.000 2,127.92
78
7.750 2,127.92
375,000.00
PHOENIX AZ 85028 1 12/13/95
00
24146284 03 02/01/96
0
24146284 O 01/01/26
0
1477566 354/354 F 240,000.00
ZZ
BEI FREDERIC F 360 239,513.66
1
144 ARDMORE DRIVE 8.000 1,761.04
80
7.750 1,761.04
300,000.00
SAN GABRIEL CA 91775 1 11/27/95
00
24146730 05 01/01/96
0
24146730 O 12/01/25
0
1477567 354/354 F 262,500.00
ZZ
NAGEOTTE RANDY K 360 262,146.55
1
RT 1 BOX 5060 8.000 1,926.14
75
7.750 1,926.14
350,000.00
BUMPASS VA 23024 5 12/01/95
00
24148439 05 02/01/96
0
24148439 O 01/01/26
0
1477568 354/354 F 347,200.00
ZZ
RULO CHRISTINAM 360 346,708.32
1
745 TENNYSON DRIVE 7.750 2,487.38
80
7.500 2,487.38
434,000.00
LIVERMORE CA 94550 1 12/19/95
00
24148785 05 02/01/96
0
24148785 O 01/01/26
0
1
1477572 354/354 F 307,800.00
ZZ
THOMPSON KIRBY A 360 307,571.56
1
1825 CASTLEWAY LANE 7.500 2,152.19
80
7.250 2,152.19
387,800.00
ATLANTA GA 30345 1 01/31/96
00
24152167 05 03/01/96
0
24152167 O 02/01/26
0
1477574 354/354 F 226,680.00
ZZ
CREARY HORACE O 360 226,524.00
1
17015 SOUTHWEST 64TH COURT 7.875 1,643.59
80
7.625 1,643.59
284,000.00
FORT LAUDERDALE FL 33331 2 01/25/96
00
24153843 05 03/01/96
0
24153843 O 02/01/26
0
1477578 354/354 F 236,000.00
ZZ
KASPER ROBERT A 360 235,457.93
1
7509 LYNN DRIVE 7.375 1,630.00
80
7.125 1,630.00
295,000.00
CHEVY CHASE MD 20815 1 11/29/95
00
24154916 05 01/01/96
0
24154916 O 12/01/25
0
1477585 354/354 F 247,000.00
ZZ
ANDREWS TERRENCE A 360 246,641.32
1
826 SPRING STREET 7.625 1,748.25
57
7.375 1,748.25
440,000.00
SAUSALITO CA 94965 2 12/12/95
00
24161077 05 02/01/96
0
24161077 O 01/01/26
0
1477589 354/354 F 256,500.00
ZZ
LIWANAG ROLAND 360 255,993.21
1
1030 EAST HARVARD ROAD 8.125 1,904.51
90
7.875 1,904.51
285,000.00
BURBANK CA 91501 2 11/28/95
04
24164980 05 01/01/96
25
24164980 O 12/01/25
0
1477590 354/354 F 492,150.00
ZZ
EVENSON PAUL R 360 491,435.32
1
39 SAVONA COURT 7.625 3,483.41
80
7.375 3,483.41
615,195.00
1
DANVILLE CA 94526 1 12/15/95
00
24165870 03 02/01/96
0
24165870 O 01/01/26
0
1477593 354/354 F 223,000.00
ZZ
LAWRIE DEAN C 360 222,570.48
1
102 MCDERBY COURT 8.250 1,675.32
70
8.000 1,675.32
320,000.00
FOLSOM CA 95630 2 11/30/95
00
24168221 05 01/01/96
0
24168221 O 12/01/25
0
1477594 354/354 F 233,700.00
ZZ
HIEBERT BRYAN W 360 233,385.33
1
20755 OLD TOWN ROAD 8.000 1,714.81
90
7.750 1,714.81
260,000.00
TEHACHAPI CA 93581 2 12/26/95
12
24169898 05 02/01/96
25
24169898 O 01/01/26
0
1477597 354/354 F 290,000.00
ZZ
CHAPPELL DOUGLAS B 360 289,589.31
1
1781 FRIAR TUCK ROAD 7.750 2,077.60
80
7.500 2,077.60
365,000.00
ATLANTA GA 30309 2 12/21/95
00
24171217 05 02/01/96
0
24171217 O 01/01/26
0
1477598 354/354 F 400,000.00
ZZ
KING ROBERT L 360 399,404.42
1
4755 HILLSBOROUGH DR 7.500 2,796.86
80
7.250 2,796.86
500,000.00
PETALUMA CA 94954 1 12/12/95
00
24171357 03 02/01/96
0
24171357 O 01/01/26
0
1477599 354/354 F 355,000.00
ZZ
CAIRY TERRY 360 354,471.43
1
2719 SOUTH CITRUS AVENUE 7.500 2,482.21
76
7.250 2,482.21
470,000.00
WEST COVINA CA 91791 1 12/07/95
00
24172041 05 02/01/96
0
24172041 O 01/01/26
0
1
1477605 354/354 F 378,000.00
ZZ
PRICE MARK S 360 377,712.36
1
3005 SPIGGS REQUEST WAY 7.375 2,610.76
76
7.125 2,610.76
502,000.00
MITCHELLVILLE MD 20721 2 12/28/95
00
24173882 03 03/01/96
0
24173882 O 02/01/26
0
1477606 354/354 F 232,000.00
ZZ
RYAN JOAN E 360 232,000.00
1
6338 MASTERS BOULEVARD 7.625 1,642.09
80
7.375 1,642.09
290,000.00
ORLANDO FL 32819 1 02/06/96
00
24175119 01 04/01/96
0
24175119 O 03/01/26
0
1477607 354/354 F 302,000.00
ZZ
CHOUDHRY VASDEV 360 301,613.52
1
40865 CANYON HEIGHTS DRIVE 8.250 2,268.83
78
8.000 2,268.83
390,000.00
FREMONT CA 94539 2 12/04/95
00
24175630 05 02/01/96
0
24175630 O 01/01/26
0
1477608 354/354 F 264,000.00
ZZ
NEARN II WILLIAM T 360 263,597.01
1
2840 LATHAM DRIVE 7.375 1,823.38
80
7.125 1,823.38
330,000.00
SACRAMENTO CA 95864 1 12/15/95
00
24175689 05 02/01/96
0
24175689 O 01/01/26
0
1477612 354/354 F 500,000.00
ZZ
DUDDY MICHAEL J 360 499,309.54
1
360 DUNEMERE DRIVE 7.875 3,625.35
77
7.625 3,625.35
650,000.00
LA JOLLA CA 92037 2 12/22/95
00
24176570 05 02/01/96
0
24176570 O 01/01/26
0
1477613 354/354 F 624,000.00
ZZ
DOBALIAN DANIEL 360 623,070.91
1
1
6834 EAST HIDDEN OAKS LANE 7.500 4,363.10
80
7.250 4,363.10
780,000.00
ORANGE CA 92667 2 12/21/95
00
24177438 03 02/01/96
0
24177438 O 01/01/26
0
1477614 354/354 F 492,000.00
ZZ
RAETHER DAVID 360 491,370.38
1
1742 WARWICK ROAD 8.250 3,696.23
70
8.000 3,696.23
705,000.00
SAN MARINO CA 91108 2 12/18/95
00
24178493 05 02/01/96
0
24178493 O 01/01/26
0
1477615 354/354 F 279,600.00
ZZ
CHIN FREDERICKA 360 277,087.17
1
42672 BARON STREET 7.500 1,955.00
78
7.250 1,955.00
360,000.00
FREMONT CA 94539 2 12/16/95
00
24178675 05 02/01/96
0
24178675 O 01/01/26
0
1477617 354/354 F 350,000.00
T
TOBIAS JOANNA R 360 349,746.68
1
3 PRICE'S ALLEY 7.625 2,477.28
74
7.375 2,477.28
475,000.00
CHARLESTON SC 29401 1 01/16/96
00
24179095 05 03/01/96
0
24179095 O 02/01/26
0
1477618 354/354 F 290,000.00
ZZ
HEIM JAMES M 360 289,779.33
1
3842 CLIFTON MANOR PLACE 7.375 2,002.96
80
7.125 2,002.96
362,500.00
HAYMARKET VA 22069 1 01/19/96
00
24179145 03 03/01/96
0
24179145 O 02/01/26
0
1477619 354/354 F 287,200.00
ZZ
MANGUM CHRISTOPHD 360 286,997.29
1
1466 NORTH DECATUR ROAD 7.750 2,057.54
80
7.500 2,057.54
359,000.00
ATLANTA GA 30306 1 01/24/96
00
24179475 05 03/01/96
0
1
24179475 O 02/01/26
0
1477622 354/354 F 250,800.00
ZZ
HANSEN SUSANNE E 360 250,470.77
1
530 ZEPHYR CIRCLE 8.125 1,862.18
70
7.875 1,862.18
362,000.00
DANVILLE CA 94526 2 12/19/95
00
24180069 03 02/01/96
0
24180069 O 01/01/26
0
1477623 354/354 F 232,000.00
ZZ
NAJARIAN RICHARD J 360 231,671.45
1
26091 TALEGA AVENUE 7.750 1,662.08
80
7.500 1,662.08
290,000.00
LAGUNA HILLS CA 92653 2 12/07/95
00
24180663 03 02/01/96
0
24180663 O 01/01/26
0
1477624 354/354 F 492,000.00
ZZ
FISCHER GEORGE H 360 491,337.56
1
1647 LARKFIELD AVENUE 8.000 3,610.12
74
7.750 3,610.12
670,000.00
THOUSAND OAKS CA 91362 2 12/14/95
00
24180671 03 02/01/96
0
24180671 O 01/01/26
0
1477625 354/354 F 243,000.00
ZZ
ALVARADO FREDERIC 360 242,580.33
1
1468 CORTE DE THAIS 8.125 1,804.27
80
7.875 1,804.27
305,000.00
SAN JOSE CA 95118 2 12/15/95
00
24180879 05 02/01/96
0
24180879 O 01/01/26
0
1477626 354/354 F 329,600.00
ZZ
RAPPAPORT MARK 360 329,167.34
1
10437 ILONA AVENUE 8.125 2,447.27
80
7.875 2,447.27
412,000.00
LOS ANGELES CA 90064 1 12/13/95
00
24180911 05 02/01/96
0
24180911 O 01/01/26
0
1
1477629 354/354 F 228,000.00
ZZ
DE CABOOTER ARTHUR W 360 227,700.71
1
7925 EAST NORTH LANE 8.125 1,692.89
72
7.875 1,692.89
321,000.00
SCOTTSDALE AZ 85258 2 12/07/95
00
24181208 03 02/01/96
0
24181208 O 01/01/26
0
1477630 354/354 F 571,500.00
T
CARRITHERS SANDRA J 360 571,065.13
1
DEEP NECK ROAD 7.375 3,947.21
71
7.125 3,947.21
810,000.00
COROLLA NC 27927 2 01/22/96
00
24182024 03 03/01/96
0
24182024 O 02/01/26
0
1477632 354/354 F 212,800.00
ZZ
DONEGAN JAMES T 360 212,483.15
1
104 ABERDEEN ROAD 7.500 1,487.93
95
7.250 1,487.93
224,000.00
ROCKVILLE MD 20850 1 12/13/95
14
24182347 05 02/01/96
30
24182347 O 01/01/26
0
1477639 354/354 F 304,000.00
ZZ
BARRETT PETER A 360 303,580.19
1
3834 MACOMB STREET NW 7.875 2,204.22
80
7.625 2,204.22
380,000.00
WASHINGTON DC 20016 1 12/21/95
00
24184350 05 02/01/96
0
24184350 O 01/01/26
0
1477640 354/354 F 250,000.00
ZZ
ZIMMERMAN RICHARD E 360 249,636.97
1
5695 POGLIA COURT 7.625 1,769.48
52
7.375 1,769.48
487,700.00
SAN JOSE CA 95138 1 12/07/95
00
24184517 03 02/01/96
0
24184517 O 01/01/26
0
1477641 354/354 F 300,800.00
ZZ
CHENEY RICHARD E 360 300,576.76
1
104 WILD TURKEY TRAIL 7.500 2,103.24
80
7.250 2,103.24
376,000.00
1
CHAPEL HILL NC 27516 1 01/30/96
00
24184970 03 03/01/96
0
24184970 O 02/01/26
0
1477646 354/354 F 361,250.00
ZZ
SWEETLAND TIMOTHY D 360 360,975.12
1
2535 DEODAR CIRCLE 7.375 2,495.06
85
7.125 2,495.06
425,000.00
PASADENA CA 91107 1 01/04/96
14
24186678 05 03/01/96
12
24186678 O 02/01/26
0
1477647 354/354 F 235,000.00
ZZ
PROULX PAUL N 360 234,667.21
1
25391 ADRIANA STREET 7.750 1,683.57
90
7.500 1,683.57
263,000.00
MISSION VIEJO CA 92691 2 12/26/95
04
24186975 05 02/01/96
25
24186975 O 01/01/26
0
1477648 354/354 F 228,000.00
ZZ
LEUNG LISA Y 360 227,685.15
1
1 CHANCERY LANE 7.875 1,653.16
80
7.625 1,653.16
285,000.00
SAN FRANCISCO CA 94112 1 12/12/95
00
24187007 03 02/01/96
0
24187007 O 01/01/26
0
1477649 354/354 F 237,500.00
ZZ
MILLER DAVID D 360 237,273.74
1
536 BEACON KNOLL LANE 7.500 1,660.64
95
7.250 1,660.64
250,000.00
FORT MILL SC 29715 1 01/31/96
12
24187130 03 03/01/96
30
24187130 O 02/01/26
0
1477650 354/354 F 285,000.00
ZZ
FLUENT LYNDA L 360 284,339.93
1
367 PEARL STREET 7.500 1,992.77
78
7.250 1,992.77
370,000.00
LAGUNA BEACH CA 92651 2 12/21/95
00
24187221 05 02/01/96
0
24187221 O 01/01/26
0
1
1477651 354/354 F 233,500.00
ZZ
BROOKS JOHN C 360 233,193.47
1
949 DOREL DRIVE 8.125 1,733.74
75
7.875 1,733.74
314,000.00
SAN JOSE CA 95132 2 12/21/95
00
24188021 05 02/01/96
0
24188021 O 01/01/26
0
1477652 354/354 F 247,600.00
ZZ
CONTRESCERI SR CHARLES J 360 247,433.86
1
7729 EAST CEDAR CREEK WAY 8.000 1,816.80
73
7.750 1,816.80
340,000.00
ORANGE CA 92669 2 02/01/96
00
24188062 05 03/01/96
0
24188062 O 02/01/26
0
1477653 354/354 F 408,000.00
ZZ
ADAIR FRANK 360 407,438.13
1
2639 EATON AVENUE 8.000 2,993.76
77
7.750 2,993.76
535,000.00
REDWOOD CITY CA 94062 2 12/14/95
00
24188393 05 02/01/96
0
24188393 O 01/01/26
0
1477655 354/354 F 265,100.00
ZZ
CACCIATORE ANTHONY J 360 264,903.26
1
11503 HARE TRAIL 7.500 1,853.62
80
7.250 1,853.62
332,000.00
AUSTIN TX 78726 2 01/26/96
00
24188807 05 03/01/96
0
24188807 O 02/01/26
0
1477657 354/354 F 238,000.00
ZZ
MEYOUHAS AVRAHAM 360 237,679.55
1
9123 JELLICO AVENUE 8.000 1,746.36
85
7.750 1,746.36
280,000.00
NORTHRIDGE AREA CA 91325 1 12/22/95
12
24189052 05 02/01/96
12
24189052 O 01/01/26
0
1477661 354/354 F 306,300.00
ZZ
BANIGAN II BRUCE H 360 306,099.64
1
1
24262 FAIRWAY LANE 8.125 2,274.27
88
7.875 2,274.27
350,000.00
COTO DE CAZA AR CA 92679 2 01/11/96
04
24189458 03 03/01/96
25
24189458 O 02/01/26
0
1477662 354/354 F 392,000.00
ZZ
TRAGER MICHAEL D 360 391,401.60
1
4010 MANSION DRIVE NW 7.375 2,707.45
80
7.125 2,707.45
490,000.00
WASHINGTON DC 20007 1 12/26/95
00
24189805 07 02/01/96
0
24189805 O 01/01/26
0
1477664 354/354 F 265,000.00
ZZ
MORRIS ROBERT K 360 264,652.13
1
5801 CHAMBERTIN DRIVE 8.125 1,967.62
80
7.875 1,967.62
331,447.00
SAN JOSE CA 95118 1 12/05/95
00
24190696 03 02/01/96
0
24190696 O 01/01/26
0
1477668 354/354 F 295,000.00
ZZ
HACK MAURICE M 360 294,781.07
1
1220 MARLBOROUGH ROAD 7.500 2,062.68
48
7.250 2,062.68
620,000.00
HILLSBOROUGH CA 94010 5 01/04/96
00
24191926 05 03/01/96
0
24191926 O 02/01/26
0
1477671 354/354 F 254,300.00
ZZ
BRADLEY RONALD D 360 253,930.72
1
12928 NORTH A1A 7.625 1,799.92
75
7.375 1,799.92
340,000.00
VERO BEACH FL 32963 1 12/29/95
00
24193070 05 02/01/96
0
24193070 O 01/01/26
0
1477674 354/354 F 232,000.00
ZZ
GITTINGS DARIN C 360 231,654.56
1
520 SOUTH BAYVIEW AVENUE 7.500 1,622.18
90
7.250 1,622.18
260,000.00
SUNNYVALE CA 94086 2 12/21/95
10
24193401 05 02/01/96
25
1
24193401 O 01/01/26
0
1477675 354/354 F 475,000.00
ZZ
ESTRADA PAUL 360 475,000.00
1
1469 FAIRWAY DRIVE 7.375 3,280.71
71
7.125 3,280.71
675,000.00
LOS ALTOS CA 94024 1 02/01/96
00
24193716 05 04/01/96
0
24193716 O 03/01/26
0
1477678 354/354 F 300,000.00
ZZ
WONG SUNNY S 360 299,564.36
1
615 CAMBRIDGE STREET 7.625 2,123.38
79
7.375 2,123.38
380,000.00
SAN FRANCISCO CA 94134 1 12/19/95
00
24195844 07 02/01/96
0
24195844 O 01/01/26
0
1477680 354/354 F 213,600.00
ZZ
AMICK BRYAN K 360 213,312.38
1
3461 TRACY DRIVE 8.000 1,567.33
80
7.750 1,567.33
267,000.00
SANTA CLARA CA 95051 1 12/19/95
00
24196164 05 02/01/96
0
24196164 O 01/01/26
0
1477685 354/354 F 350,000.00
ZZ
PRINGLE JAMES A 360 349,491.75
1
7750 WENTWORTH DRIVE 7.625 2,477.28
54
7.375 2,477.28
650,000.00
DULUTH GA 30155 1 12/22/95
00
24198095 03 02/01/96
0
24198095 O 01/01/26
0
1477686 354/354 F 217,000.00
ZZ
ALBRIGHT III HAROLD D 360 216,825.88
1
7311 RUDWICK LANE 7.375 1,498.77
74
7.125 1,498.77
295,000.00
CHARLOTTE NC 28226 1 01/30/96
00
24198798 05 03/01/96
0
24198798 O 02/01/26
0
1
1477689 354/354 F 280,000.00
ZZ
MCMANIS GERALD L 360 279,797.34
1
44 MEETING STREET 7.625 1,981.83
80
7.375 1,981.83
352,500.00
CHARLESTON SC 29401 1 01/12/96
00
24199598 05 03/01/96
0
24199598 O 02/01/26
0
1477692 354/354 F 285,300.00
ZZ
MCCARTHY KEVIN R 360 284,895.98
1
284 LONGBRANCH ROAD 7.750 2,043.92
90
7.500 2,043.92
317,000.00
SIMI VALLEY CA 93065 1 12/26/95
12
24201576 03 02/01/96
25
24201576 O 01/01/26
0
1477697 354/354 F 258,750.00
ZZ
CROCKETT PAUL D 360 258,383.56
1
6624 PASEO NOCHE 7.750 1,853.72
90
7.500 1,853.72
287,500.00
CAMARILLO CA 93041 1 12/26/95
10
24205957 05 02/01/96
25
24205957 O 01/01/26
0
1477701 354/354 F 266,000.00
ZZ
BARTELS DEANNA T 360 265,821.52
1
130 DOHERTY WAY 8.000 1,951.81
73
7.750 1,951.81
365,000.00
REDWOOD CITY CA 94061 2 01/08/96
00
24208654 05 03/01/96
0
24208654 O 02/01/26
0
1477706 354/354 F 576,000.00
ZZ
VINE JOHN M 360 575,593.46
1
8621 BURDETTE ROAD 7.750 4,126.54
80
7.500 4,126.54
720,000.00
BETHESDA MD 20817 2 01/26/96
00
24213449 05 03/01/96
0
24213449 O 02/01/26
0
1477709 354/354 F 270,800.00
ZZ
GEARHART GERALD L 360 270,599.03
1
10071 CRYSTAL CREEK DRIVE 7.500 1,893.47
77
7.250 1,893.47
352,000.00
1
SACRAMENTO CA 95829 2 01/23/96
00
24217911 05 03/01/96
0
24217911 O 02/01/26
0
1477714 354/354 F 236,000.00
ZZ
JOYNER DORA C 360 235,820.42
1
1621 SOUTH TRAVIS CIRCLE 7.375 1,630.00
80
7.125 1,630.00
295,000.00
IRVING TX 75038 1 01/26/96
00
24222713 03 03/01/96
0
24222713 O 02/01/26
0
1477715 354/354 F 314,500.00
ZZ
BROWN MARK K 360 314,283.57
1
27140 BIDWELL LANE 7.875 2,280.34
90
7.625 2,280.34
349,900.00
VALENCIA AREA CA 91354 1 01/23/96
11
24223265 03 03/01/96
25
24223265 O 02/01/26
0
1477719 354/354 F 316,000.00
ZZ
VIVIAN SCOTT P 360 315,776.97
1
2402 CROSS STREET 7.750 2,263.86
80
7.500 2,263.86
395,000.00
RIVERSIDE CA 92503 1 01/25/96
00
24226342 05 03/01/96
0
24226342 O 02/01/26
0
1477722 354/354 F 470,000.00
ZZ
CLAYTON SHIRLEY L 360 469,651.19
1
22 CAMPO BELLO 7.500 3,286.31
66
7.250 3,286.31
715,000.00
MENLO PARK CA 94025 2 01/17/96
00
24229627 05 03/01/96
0
24229627 O 02/01/26
0
1477724 354/354 F 380,000.00
ZZ
NERCESSIAN GARABET 360 379,710.85
1
3030 EMERALD ISLE DR 7.375 2,624.57
80
7.125 2,624.57
475,000.00
GLENDALE CA 91206 2 01/25/96
00
24230955 05 03/01/96
0
24230955 O 02/01/26
0
1
1477726 354/354 F 337,600.00
ZZ
DONAHUE DANIEL E 360 335,248.25
1
402 ALEXANDRIA CIRCLE 7.625 2,389.52
80
7.375 2,389.52
422,000.00
SOUTHLAKE TX 76092 2 01/29/96
00
24231375 03 03/01/96
0
24231375 O 02/01/26
0
1477729 354/354 F 287,950.00
ZZ
WEESE LEROY A 360 287,664.45
1
2451 MIDDLEFIELD ROAD 7.875 2,087.84
90
7.625 2,087.84
320,000.00
PALO ALTO CA 94301 1 01/17/96
11
24234551 05 03/01/96
25
24234551 O 02/01/26
0
1477730 354/354 F 319,000.00
ZZ
BUSUIOC DOREL 360 318,785.96
1
11700 MARIPOSA BAY LANE 8.000 2,340.71
79
7.750 2,340.71
405,000.00
NORTHRIDGE CA 91326 2 01/19/96
00
24237083 03 03/01/96
0
24237083 O 02/01/26
0
1477733 354/354 F 343,000.00
ZZ
WOLFE MICHAEL B 360 342,763.95
1
4245 ST. CLAIRE AVENUE 7.875 2,486.99
69
7.625 2,486.99
500,000.00
STUDIO CITY ARE CA 91604 2 01/24/96
00
24244089 05 03/01/96
0
24244089 O 02/01/26
0
1477734 354/354 F 231,150.00
ZZ
COYLE BILL 360 230,990.92
1
9720 WEDDINGTON CIRCLE 7.875 1,676.00
57
7.625 1,676.00
406,000.00
GRANITE BAY CA 95746 4 01/24/96
00
24245268 03 03/01/96
0
24245268 O 02/01/26
0
1477735 354/354 F 386,500.00
ZZ
STONE DAVID K 360 385,242.05
1
1
1833 PORT RENWICK PLACE 7.375 2,669.46
79
7.125 2,669.46
490,000.00
NEWPORT BEACH CA 92660 2 01/25/96
00
24246324 03 03/01/96
0
24246324 O 02/01/26
0
1477736 354/354 F 283,500.00
ZZ
CAMPBELL CHRISTOPHB 360 283,284.27
1
1430 FINLEY LANE 7.375 1,958.07
90
7.125 1,958.07
315,000.00
ALAMO CA 94507 1 01/23/96
12
24246456 05 03/01/96
25
24246456 O 02/01/26
0
1477737 354/354 F 224,000.00
ZZ
DEMIRJIAN WILLIAM B 360 223,833.76
1
194 WEST GAINSBOROUGH ROAD 7.500 1,566.24
90
7.250 1,566.24
250,000.00
THOUSAND OAKS CA 91360 2 01/29/96
14
24246555 05 03/01/96
25
24246555 O 02/01/26
0
1477739 354/354 F 342,000.00
ZZ
MURATA GARY 360 341,752.48
1
9051 E HARNEY LANE 7.625 2,420.65
90
7.375 2,420.65
380,000.00
LODI CA 95240 1 01/22/96
14
24249773 05 03/01/96
25
24249773 O 02/01/26
0
1477740 354/354 F 460,000.00
ZZ
HRASTINSKI MICHAEL 360 459,683.43
1
990 PILARCITOS AVENUE 7.875 3,335.32
79
7.625 3,335.32
585,000.00
HALF MOON BAY CA 94019 2 01/23/96
00
24251472 05 03/01/96
0
24251472 O 02/01/26
0
1477741 354/354 F 468,000.00
ZZ
BEAM JAMES A 360 467,652.67
1
1511 OLD RANCH ESTATES DRIVE 7.500 3,272.33
80
7.250 3,272.33
585,000.00
SAN RAMON CA 94583 2 01/29/96
00
24255424 05 03/01/96
0
1
24255424 O 02/01/26
0
1477747 354/354 F 355,200.00
ZZ
MCRAE KENNETH M 360 354,936.39
1
3347 PRAIRIE DRIVE 7.500 2,483.61
80
7.250 2,483.61
444,000.00
PLEASANTON CA 94588 1 01/25/96
00
24259897 03 03/01/96
0
24259897 O 02/01/26
0
1477748 354/354 F 223,000.00
ZZ
CASEY TERI J 360 222,850.37
1
560 EAST THIRD STREET 8.000 1,636.30
80
7.750 1,636.30
280,000.00
CHICO CA 95928 2 01/29/96
00
24259962 05 03/01/96
0
24259962 O 02/01/26
0
1477750 354/354 F 245,400.00
ZZ
LAPIERRE KEVIN R 360 245,400.00
1
1064 VISTA POINTE CIRCLE 7.375 1,694.92
90
7.125 1,694.92
273,000.00
SAN RAMON CA 94583 1 02/01/96
12
24263790 03 04/01/96
25
24263790 O 03/01/26
0
1477751 354/354 F 296,670.00
ZZ
O'NEIL STEPHEN J 360 296,444.25
1
2211 GLEN CANYON ROAD 7.375 2,049.03
90
7.125 2,049.03
333,000.00
ALTADENA CA 91001 1 01/30/96
11
24264541 05 03/01/96
20
24264541 O 02/01/26
0
1477752 354/354 F 247,000.00
ZZ
STARESINICH CRAIG 360 246,816.69
1
213 NORTH LUCIA AVENUE #A 7.500 1,727.06
90
7.250 1,727.06
275,000.00
REDONDO BEACH CA 90277 1 01/26/96
11
24264590 01 03/01/96
25
24264590 O 02/01/26
0
1
1477755 354/354 F 276,000.00
ZZ
BEVARD JOHN 360 276,000.00
1
712 NORTH BEL AIRE DRIVE 7.500 1,929.84
80
7.250 1,929.84
345,000.00
BURBANK CA 91501 1 02/06/96
00
24291007 05 04/01/96
0
24291007 O 03/01/26
0
1477757 429/429 F 215,900.00
ZZ
STROTHER DAVID 360 215,473.41
1
39228 HEATHERBROOK STREET 8.125 1,603.06
80
7.875 1,603.06
269,900.00
FARMINGTON HILL MI 48331 1 11/29/95
00
10061075 03 01/01/96
0
10061075 O 12/01/25
0
1477780 429/429 F 346,750.00
ZZ
CHAMBERS JR WILLIAM W 360 346,098.88
1
5075 TEMPLE HILLS ROAD 8.375 2,635.56
58
8.125 2,635.56
600,000.00
TEMPLE HILLS MD 20748 2 11/22/95
00
21319025 05 01/01/96
0
21319025 O 12/01/25
0
1477782 429/429 F 256,400.00
ZZ
MARGOLIN ANDREW S 360 255,811.07
1
5909 WILMETT ROAD 7.375 1,770.90
95
7.125 1,770.90
269,900.00
BETHESDA MD 20817 1 11/30/95
11
21324926 05 01/01/96
30
21324926 O 12/01/25
0
1477853 439/728 F 305,300.00
ZZ
DEO RAJENDRA 360 305,071.14
1
2442 GLEN DUFF WAY 7.450 2,124.26
90
7.200 2,124.26
339,243.00
SAN JOSE CA 95148 1 01/19/96
10
0380350562 05 03/01/96
25
1816156 O 02/01/26
0
1477854 439/728 F 310,000.00
ZZ
FINDLAY RICHARD 360 309,772.23
1
1608 WOODGLEN LANE 7.550 2,178.19
90
7.300 2,178.19
345,000.00
1
ALTADENA CA 91001 2 01/11/96
10
0380350638 05 03/01/96
25
1817944 O 02/01/26
0
1477855 439/728 F 214,200.00
ZZ
HAMON DANIEL R 360 214,039.42
1
1165 TROPICAL AVENUE 7.450 1,490.40
90
7.200 1,490.40
238,000.00
PASADENA CA 91107 1 01/23/96
10
0380350679 05 03/01/96
25
1825453 O 02/01/26
0
1477856 439/728 F 300,000.00
ZZ
ROSEBERRY ROBERT A 360 299,777.35
1
1395 MUNRO AVENUE 7.500 2,097.65
80
7.250 2,097.65
375,000.00
CAMPBELL CA 95008 1 01/19/96
00
0380350687 05 03/01/96
0
1825480 O 02/01/26
0
1477857 439/728 F 320,000.00
ZZ
WALLACE KENNETH W 360 319,764.87
1
20025 SEA GULL WAY 7.550 2,248.46
59
7.300 2,248.46
550,000.00
SARATOGA CA 95070 1 01/19/96
00
0380350695 05 03/01/96
0
1826097 O 02/01/26
0
1477858 439/728 F 486,000.00
ZZ
PRESTA RON E 360 485,650.01
1
10 CHERRY HILLS LANE 7.650 3,448.24
50
7.400 3,448.24
972,000.00
NEWPORT BEACH CA 92660 2 01/22/96
00
0380350703 05 03/01/96
0
1826264 O 02/01/26
0
1477859 439/728 F 241,000.00
ZZ
BEATTY KEVIN G 360 240,828.18
1
115 COMSTOCK ROAD 7.700 1,718.24
90
7.450 1,718.24
268,000.00
HOLLISTER CA 95023 1 12/29/95
10
0380350729 05 03/01/96
25
1827754 O 02/01/26
0
1
1477860 439/728 F 268,000.00
ZZ
MANCINI JOSEPH A 360 268,000.00
1
302 OCEAN AVENUE 7.550 1,883.08
80
7.300 1,883.08
335,000.00
NORTHPORT NY 11768 1 02/01/96
00
0380350737 05 04/01/96
0
1829642 O 03/01/26
0
1477861 439/728 F 337,500.00
ZZ
DANGER REINHARD 360 337,271.23
1
139 SOUTH THORNE GROVE DRIVE 7.950 2,464.71
75
7.700 2,464.71
450,000.00
VERNON HILLS IL 60061 2 01/25/96
00
0380350752 05 03/01/96
0
1829832 O 02/01/26
0
1477862 439/728 F 243,000.00
ZZ
CROCKETT MARCUS 360 242,821.46
1
16205 SHADE TREE LANE 7.550 1,707.42
90
7.300 1,707.42
270,000.00
CHINO HILLS CA 91709 1 01/18/96
10
0380350778 05 03/01/96
25
1829992 O 02/01/26
0
1477863 439/728 F 280,000.00
ZZ
REHMAT AMIR 360 279,810.21
1
1413 DARIEN CLUB DRIVE 7.950 2,044.79
56
7.700 2,044.79
500,000.00
DARIEN IL 60561 2 01/26/96
00
0380350786 05 03/01/96
0
1830683 O 02/01/26
0
1477864 439/728 F 270,000.00
ZZ
BRYANT EDDIE L 360 269,795.57
1
5805 SHENANDOAH AVENUE 7.400 1,869.43
86
7.150 1,869.43
317,000.00
LOS ANGELES CA 90056 1 01/22/96
10
0380350851 05 03/01/96
25
1830869 O 02/01/26
0
1477865 439/728 F 276,700.00
ZZ
GRATNY GARY 360 276,700.00
1
1
665 RIVERSIDE DRIVE 7.750 1,982.32
90
7.500 1,982.32
307,500.00
SAN JOSE CA 95125 1 02/01/96
10
0380350877 05 04/01/96
25
1830907 O 03/01/26
0
1477866 439/728 F 475,000.00
ZZ
MARRONE FRANK R 360 474,678.04
1
29728 BUGGYWHIP COURT 7.950 3,468.84
74
7.700 3,468.84
645,000.00
CANYON LAKE CA 92587 2 01/11/96
00
0380350885 03 03/01/96
0
1831337 O 02/01/26
0
1477867 439/728 F 280,000.00
ZZ
KLEIN DONALD M 360 279,810.21
1
677 SOUTH MCCADDEN PLACE 7.950 2,044.79
80
7.700 2,044.79
350,000.00
LOS ANGELES CA 90005 1 01/22/96
00
0380350943 05 03/01/96
0
1832131 O 02/01/26
0
1477868 439/728 F 256,000.00
ZZ
ELDER CHRISTOPHJ 360 255,815.64
1
407 THE LANE 7.650 1,816.36
80
7.400 1,816.36
320,000.00
HINSDALE IL 60521 1 01/31/96
00
0380350950 05 03/01/96
0
1832612 O 02/01/26
0
1477869 439/728 F 216,800.00
ZZ
MASTROMARINO JOHN 360 216,651.55
1
103 SONDGROTH WAY 7.900 1,575.72
80
7.650 1,575.72
271,000.00
MOUNTAIN VIEW CA 94040 1 01/19/96
00
0380350984 05 03/01/96
0
1832623 O 02/01/26
0
1477870 439/728 F 382,900.00
ZZ
VARADACHARI MURLI 360 382,627.01
1
1290 ALTAMEAD DRIVE 7.700 2,729.93
90
7.450 2,729.93
425,444.00
LOS ALTOS CA 94024 1 01/26/96
10
0380351065 05 03/01/96
25
1
1832673 O 02/01/26
0
1477871 439/728 F 284,000.00
ZZ
SMITH ALAN M 360 283,791.32
1
40 INNER CIRCLE 7.550 1,995.51
80
7.300 1,995.51
355,000.00
REDWOOD CITY CA 94062 1 01/18/96
00
0380351131 05 03/01/96
0
1832829 O 02/01/26
0
1477872 439/728 F 337,500.00
ZZ
KERR BEN O 360 337,249.53
1
28531 FIELDBROOK 7.500 2,359.85
90
7.250 2,359.85
375,000.00
MISSION VIEJO CA 92692 1 01/31/96
10
0380351180 05 03/01/96
25
1833292 O 02/01/26
0
1477873 439/728 F 522,000.00
ZZ
CLAR MICHAEL J 360 521,649.75
1
6923 PASEO LARED 8.000 3,830.25
80
7.750 3,830.25
660,000.00
LA JOLLA CA 92037 2 01/11/96
00
0380351198 05 03/01/96
0
1833294 O 02/01/26
0
1477874 439/728 F 279,000.00
ZZ
BLACK JR BENJAMIN H 360 278,817.49
1
213 VIA ALAMEDA 8.125 2,071.57
90
7.875 2,071.57
310,000.00
TORRANCE CA 90277 2 01/16/96
10
0380351834 05 03/01/96
25
1833379 O 02/01/26
0
1477875 439/728 F 321,800.00
ZZ
MARLOW STEPHEN D 360 321,599.99
1
4 WINCHESTER 8.375 2,445.91
89
8.125 2,445.91
365,000.00
IRVINE CA 92720 2 01/17/96
10
0380351826 03 03/01/96
25
1833396 O 02/01/26
0
1
1477876 439/728 F 322,000.00
ZZ
DUPRE SR JOSEPH M 360 321,763.41
1
1147 SAGA STREET 7.550 2,262.51
70
7.300 2,262.51
460,000.00
GLENDORA CA 91741 1 01/26/96
00
0380351339 05 03/01/96
0
1833629 O 02/01/26
0
1477877 439/728 F 240,000.00
ZZ
DRISCOLL RICHARD P 360 240,000.00
1
11903 STEPPING STONE LANE 7.750 1,719.39
51
7.500 1,719.39
475,000.00
HOUSTON TX 77024 1 02/01/96
00
0380351438 05 04/01/96
0
1833642 O 03/01/26
0
1477878 439/728 F 312,000.00
ZZ
WHEELER STEVEN A 360 311,766.12
1
539 FRONTIER WAY 7.450 2,170.88
80
7.200 2,170.88
390,000.00
TEMPLETON CA 93465 1 01/19/96
00
0380351479 05 03/01/96
0
1833692 O 02/01/26
0
1477879 439/728 F 263,000.00
ZZ
PETRUCELLI SALVADOR 360 262,810.60
1
2176 WEST BIRCH AVENUE 7.650 1,866.03
76
7.400 1,866.03
350,000.00
FRESNO CA 93711 2 01/25/96
00
0380351511 05 03/01/96
0
1834023 O 02/01/26
0
1477880 439/728 F 277,800.00
ZZ
AVANESS HENRIK 360 277,609.78
1
1641 GREENBRIAR ROAD 7.900 2,019.07
80
7.650 2,019.07
347,300.00
GLENDALE CA 91207 1 01/19/96
00
0380351529 05 03/01/96
0
1834033 O 02/01/26
0
1477881 439/728 F 264,000.00
ZZ
LANGDON WILLIAM J 360 263,831.66
1
5520 CAMINO CALUROSO 8.250 1,983.34
88
8.000 1,983.34
303,000.00
1
YORBA LINDA CA 92687 2 01/18/96
10
0380351792 05 03/01/96
25
1834162 O 02/01/26
0
1477882 439/728 F 246,000.00
ZZ
NGUYEN QUINN 360 245,843.13
1
789 KYLE STREET 8.250 1,848.12
90
8.000 1,848.12
276,000.00
SAN JOSE CA 95127 2 01/19/96
10
0380351560 05 03/01/96
25
1834183 O 02/01/26
0
1477883 439/728 F 329,000.00
ZZ
SHUMWAY NOEL J 360 328,758.26
1
4 ECHO PLACE 7.550 2,311.70
66
7.300 2,311.70
505,000.00
LARKSPUR CA 94939 2 01/23/96
00
0380351602 05 03/01/96
0
1834214 O 02/01/26
0
1477884 439/728 F 595,000.00
ZZ
MASTERSON EDWARD T 360 594,620.59
1
3905 ARROYO SORRENTO ROAD 8.250 4,470.04
66
8.000 4,470.04
905,000.00
SAN DIEGO CA 92130 2 01/25/96
00
0380351677 05 03/01/96
0
1834262 O 02/01/26
0
1477885 439/728 F 304,000.00
ZZ
UECKER DAVID 360 303,790.79
1
398 HILLCREST DRIVE 7.875 2,204.21
78
7.625 2,204.21
390,000.00
ENCINITAS CA 92024 2 01/17/96
00
0380351685 05 03/01/96
0
1834276 O 02/01/26
0
1477886 439/728 F 566,000.00
ZZ
BOLLERT STEVEN J 360 565,639.08
1
3414 FORTUNA RANCH ROAD 8.250 4,252.17
77
8.000 4,252.17
740,000.00
ENCINITAS CA 92024 2 01/24/96
00
0380351693 05 03/01/96
0
1834439 O 02/01/26
0
1
1477887 439/728 F 492,000.00
ZZ
LEE GILBERT W 360 491,652.75
1
5238 OCEAN BREEZE COURT 7.750 3,524.75
80
7.500 3,524.75
615,000.00
SAN DIEGO CA 92109 2 01/24/96
00
0380351701 05 03/01/96
0
1834464 O 02/01/26
0
1477888 439/728 F 436,000.00
ZZ
HSU DARREN S 360 435,699.95
1
21074 MARCY COURT 7.875 3,161.30
80
7.625 3,161.30
545,000.00
CUPERTINO CA 95014 2 01/19/96
00
0380351073 05 03/01/96
0
1834481 O 02/01/26
0
1477889 439/728 F 635,000.00
ZZ
TAIX RAYMOND M 360 634,560.78
1
3586 EAST CALIFORNIA BOULEVARD 7.850 4,593.18
70
7.600 4,593.18
910,000.00
PASADENA CA 91107 5 01/25/96
00
0380351099 05 03/01/96
0
1834485 O 02/01/26
0
1477890 439/728 F 233,000.00
ZZ
CUMMINGS DAVID 360 232,843.66
1
421 WASHINGTON STREET 8.000 1,709.67
76
7.750 1,709.67
310,000.00
EL SEGUNDO CA 90245 2 01/18/96
00
0380351107 05 03/01/96
0
1834524 O 02/01/26
0
1477891 439/728 F 564,000.00
ZZ
TIMMONS STEVE 360 563,621.57
1
1373 CREST ROAD 8.000 4,138.43
80
7.750 4,138.43
705,000.00
DEL MAR CA 92014 1 01/19/96
00
0380351115 05 03/01/96
0
1834526 O 02/01/26
0
1477892 439/728 F 338,700.00
ZZ
GOLDIN PAUL E 360 338,466.91
1
1
24626 CALLE ARDILLA 7.875 2,455.81
80
7.625 2,455.81
425,000.00
CALABASAS CA 91302 2 01/19/96
00
0380351123 03 03/01/96
0
1834535 O 02/01/26
0
1477893 439/728 F 398,500.00
ZZ
HELM HUGH H 360 398,245.89
1
236 VIA EBOLI 8.250 2,993.80
60
8.000 2,993.80
675,000.00
NEWPORT BEACH CA 92663 2 01/22/96
00
0380351149 03 03/01/96
0
1834545 O 02/01/26
0
1477894 439/728 F 316,000.00
ZZ
DASTMALCHI DARIUSH 360 315,782.53
1
220 ELDER COURT 7.875 2,291.22
80
7.625 2,291.22
395,000.00
SAN RAMON CA 94583 2 01/24/96
00
0380351156 05 03/01/96
0
1834550 O 02/01/26
0
1477895 439/728 F 291,000.00
ZZ
WILHITE STEVEN F 360 290,799.74
1
13270 OCEAN VISTA ROAD 7.875 2,109.95
72
7.625 2,109.95
405,000.00
SAN DIEGO CA 92130 2 01/23/96
00
0380351164 03 03/01/96
0
1834558 O 02/01/26
0
1477896 439/728 F 385,000.00
ZZ
RILEY JEFFREY L 360 384,735.04
1
35 AGIA 7.875 2,791.52
88
7.625 2,791.52
440,000.00
LAGUNA NIGUEL CA 92677 2 01/18/96
10
0380351784 03 03/01/96
25
1834563 O 02/01/26
0
1477897 439/728 F 580,000.00
ZZ
LOVE DAVID M 360 579,610.84
1
16535 VIA DE SANTA FE 8.000 4,255.83
75
7.750 4,255.83
775,000.00
RNCHO SANTA FE CA 92067 2 01/18/96
00
0380351206 05 03/01/96
0
1
1834568 O 02/01/26
0
1477898 439/728 F 330,000.00
ZZ
BROWN ROBERT O 360 329,778.58
1
12241 AVENIDA CONSENTIDO 8.000 2,421.42
78
7.750 2,421.42
425,000.00
SAN DIEGO CA 92128 2 01/18/96
00
0380351214 03 03/01/96
0
1834570 O 02/01/26
0
1477900 439/728 F 320,000.00
ZZ
JARVI STEPHEN M 360 319,757.71
1
441 REPOSADO DRIVE 7.400 2,215.62
80
7.150 2,215.62
400,000.00
LA HABRA HEIGHT CA 90631 1 01/24/96
00
0380351230 05 03/01/96
0
1834584 O 02/01/26
0
1477901 439/728 F 398,500.00
ZZ
CARPIO EDUARDO 360 398,224.36
1
9425 SOUTH MADISON STREET 7.850 2,882.49
62
7.600 2,882.49
650,000.00
BURR RIDGE IL 60521 2 01/24/96
00
0380351263 05 03/01/96
0
1834702 O 02/01/26
0
1477902 439/728 F 366,000.00
ZZ
SCHALBERG RICHARD M 360 365,760.58
1
12140 SOUTH RIVIERA 8.125 2,717.54
80
7.875 2,717.54
462,000.00
TUSTIN CA 92680 2 01/23/96
00
0380351271 03 03/01/96
0
1834904 O 02/01/26
0
1477904 439/728 F 332,000.00
ZZ
WELLER RONALD K 360 331,777.23
1
10615 SNYDER ROAD 8.000 2,436.10
68
7.750 2,436.10
490,000.00
LA MESA CA 91941 2 01/16/96
00
0380351289 05 03/01/96
0
1835211 O 02/01/26
0
1
1477905 439/728 F 300,000.00
ZZ
BALDRIDGE EUGENE T 360 299,803.76
1
562 BELLEFONTAINE STREET 8.125 2,227.49
48
7.875 2,227.49
629,000.00
PASADENA CA 91105 2 01/22/96
00
0380351297 05 03/01/96
0
1835346 O 02/01/26
0
1477906 439/728 F 273,600.00
ZZ
MIRANDA JENNER A 360 273,425.53
1
3450 EMERALD ISLE DRIVE 8.250 2,055.47
79
8.000 2,055.47
347,000.00
GLENDALE CA 91206 2 01/25/96
00
0380351305 05 03/01/96
0
1835487 O 02/01/26
0
1477907 439/728 F 230,000.00
ZZ
PFEIFER STAN J 360 229,834.36
1
1239 SEMINOLE DRIVE 7.650 1,631.89
74
7.400 1,631.89
315,000.00
FORT LAUDERDALE FL 33304 1 01/30/96
00
0380351313 05 03/01/96
0
1835645 O 02/01/26
0
1477908 439/728 F 243,700.00
ZZ
ANGEL JOHN W 360 243,531.43
1
855 TAMARACK DRIVE 7.850 1,762.77
75
7.600 1,762.77
325,000.00
SAN RAFAEL CA 94903 1 01/23/96
00
0380351321 05 03/01/96
0
1835755 O 02/01/26
0
1477910 439/728 F 276,000.00
ZZ
CHANG RONG-JONG 360 275,810.06
1
804 BEAVER COURT 7.875 2,001.19
51
7.625 2,001.19
545,000.00
FREMONT CA 94539 2 01/19/96
00
0380351347 03 03/01/96
0
1835941 O 02/01/26
0
1477911 439/728 F 364,000.00
ZZ
BERTIGNOLI MARK 360 363,773.76
1
615 14TH STREET 8.375 2,766.66
90
8.125 2,766.66
405,000.00
1
HUNTINGTON BEAC CA 92648 2 01/25/96
10
0380351354 05 03/01/96
25
1836075 O 02/01/26
0
1477912 439/728 F 248,400.00
ZZ
CYPHER DOUGLAS A 360 248,245.61
1
6942 MIMOSA DRIVE 8.375 1,888.02
63
8.125 1,888.02
400,000.00
CARLSBAD CA 92009 2 01/24/96
00
0380351388 03 03/01/96
0
1836096 O 02/01/26
0
1477913 439/728 F 242,000.00
ZZ
STEPEK DAVID F 360 241,820.40
1
31 PARADISE COVE 7.500 1,692.10
57
7.250 1,692.10
425,000.00
LAGUNA NIGUEL CA 92677 2 01/24/96
00
0380351396 03 03/01/96
0
1836101 O 02/01/26
0
1477914 439/728 F 217,900.00
ZZ
STEINBACH LEON R 360 217,757.46
1
4340 DEODAR DRIVE 8.125 1,617.90
73
7.875 1,617.90
300,000.00
YORBA LINDA CA 92686 2 01/23/96
00
0380351404 05 03/01/96
0
1836261 O 02/01/26
0
1477915 439/728 F 240,000.00
ZZ
SCZUBELEK STEPHEN G 360 239,846.96
1
1227 COUNTRYWOOD LANE 8.250 1,803.04
89
8.000 1,803.04
270,000.00
VISTA CA 92083 2 01/25/96
10
0380351412 03 03/01/96
25
1836353 O 02/01/26
0
1477916 439/728 F 292,000.00
ZZ
EDWARDS GARY 360 291,793.91
1
15325 LAZY CREEK ROAD 7.750 2,091.92
80
7.500 2,091.92
365,000.00
EL CAJON CA 92021 1 01/25/96
00
0380351818 05 03/01/96
0
1836367 O 02/01/26
0
1
1477917 439/728 F 353,100.00
ZZ
BOREN WILLIAM M 360 352,845.71
1
2906 MIDLANE STREET 7.650 2,505.30
73
7.400 2,505.30
485,000.00
HOUSTON TX 77027 2 01/26/96
00
0380351420 03 03/01/96
0
1836507 O 02/01/26
0
1477919 439/728 F 405,800.00
ZZ
THAU ROBERT H 360 405,527.71
1
222 SOUTH CADBOURNE AVENUE 8.000 2,977.62
31
7.750 2,977.62
1,339,000.00
LOS ANGELES CA 90049 2 01/24/96
00
0380351461 05 03/01/96
0
1836638 O 02/01/26
0
1477920 439/728 F 392,000.00
ZZ
PHAN CO N 360 391,709.07
1
44423 VIEW POINT CIRCLE 7.500 2,740.93
80
7.250 2,740.93
490,000.00
FREMONT CA 94539 1 01/24/96
00
0380351487 05 03/01/96
0
1836846 O 02/01/26
0
1477921 439/728 F 232,000.00
ZZ
MC GUFFIN MARK K 360 231,832.92
1
2202 WHITE LANE 7.650 1,646.08
80
7.400 1,646.08
290,000.00
HASLET TX 76052 2 01/26/96
00
0380351495 05 03/01/96
0
1837283 O 02/01/26
0
1477958 375/728 F 300,000.00
ZZ
BENSKIN HERBERT J 360 299,788.26
1
11428 CANTERBURY CIR 7.750 2,149.24
38
7.500 2,149.24
800,000.00
LEAWOOD KS 66211 4 01/30/96
00
0380349135 03 03/01/96
0
3001982909 O 02/01/26
0
1477975 069/728 F 180,000.00
ZZ
LOCKHART JOHNNY E 360 179,866.41
2
1
5367 S VICTORIA AVENUE 7.500 1,258.59
80
7.250 1,258.59
225,000.00
LOS ANGELES CA 90043 1 01/18/96
00
0380348095 05 03/01/96
0
2362076263 O 02/01/26
0
1478002 163/163 F 329,000.00
ZZ
WOZNIAK LANCE K 360 328,773.58
1
6448 E. CRABTREE PLACE 7.875 2,385.48
80
7.625 2,385.48
412,280.00
YUMA AZ 85365 1 01/10/96
00
55413365 03 03/01/96
0
55413365 O 02/01/26
0
1478011 163/728 F 312,200.00
ZZ
FLEMING,JR DAVID A 360 311,979.65
1
11281 FOURWINDS 7.750 2,236.64
70
7.500 2,236.64
446,000.00
EADS TN 38028 2 01/29/96
00
0380345364 05 03/01/96
0
372083999 O 02/01/26
0
1478015 163/728 F 246,000.00
ZZ
HERZI HAWA D 360 245,668.78
1
10733 BASKET OAK COURT 8.000 1,805.06
90
7.750 1,805.06
273,360.00
BURKE VA 22015 2 12/29/95
14
0380346792 03 02/01/96
25
4025055108 O 01/01/26
0
1478016 526/728 F 228,000.00
ZZ
HURTADO ALEJANDRO 360 227,858.28
1
1050 PINE BLUFF DRIVE 8.375 1,732.97
80
8.125 1,732.97
285,000.00
PASADENA CA 91107 2 01/17/96
00
0380348707 05 03/01/96
0
0089018 O 02/01/26
0
1478019 526/728 F 204,000.00
ZZ
MORRIS, JR WILLIAM L 360 203,869.91
1
30395 HIGHWAY 131 8.250 1,532.59
59
8.000 1,532.59
350,000.00
STEAMBOAT SPRIN CO 80477 5 01/12/96
00
0380367400 05 03/01/96
0
1
0090015 O 02/01/26
0
1478020 526/728 F 420,000.00
ZZ
RYAN KENNETH J 360 420,000.00
1
3143 CUBA ROAD 8.000 3,081.82
80
7.750 3,081.82
525,000.00
LONG GROVE IL 60047 1 02/06/96
00
0380346800 05 04/01/96
0
00087336 O 03/01/26
0
1478022 526/728 F 395,000.00
ZZ
MIZRAHI SILVANO 360 394,754.48
1
1512 SUNNYSIDE TERRACE 8.375 3,002.29
75
8.125 3,002.29
530,000.00
SAN PEDRO CA 90732 2 01/18/96
00
0380345265 05 03/01/96
0
0093983 O 02/01/26
0
1478026 450/728 F 406,500.00
ZZ
HERINGTON DAVID J 360 406,227.25
1
2724 DOVERTON SQUARE 8.000 2,982.75
77
7.750 2,982.75
530,000.00
MOUNTAIN VIEW CA 94040 2 01/22/96
00
0380354986 05 03/01/96
0
3963782 O 02/01/26
0
1478053 526/728 F 475,550.00
ZZ
SHENEFELT, III LLOYD H 360 475,238.92
1
6262 WOODS BRIDGE WAY 8.125 3,530.95
80
7.875 3,530.95
594,461.00
HOUSTON TX 77007 1 01/22/96
00
0380345950 03 03/01/96
0
00090283 O 02/01/26
0
1478058 163/728 F 332,000.00
ZZ
VACCA J D 360 331,771.52
1
1404 BELFORD COURT 7.875 2,407.23
80
7.625 2,407.23
419,006.00
EVERGREEN CO 80439 1 01/18/96
00
0380345919 03 03/01/96
0
215071287 O 02/01/26
0
1
1478073 638/728 F 363,050.00
ZZ
RICHARDSON DR PAT 360 362,824.35
1
27504 TWIN PEAK 8.375 2,759.44
75
8.125 2,759.44
485,000.00
SAN ANTONIO TX 78261 4 02/01/96
00
0380349218 05 03/01/96
0
8541194 O 02/01/26
0
1478077 750/728 F 300,000.00
ZZ
LIBOLT, II DON 360 300,000.00
1
883 N. HOPE AVENUE 8.125 2,227.49
75
7.875 2,227.49
400,000.00
SANTA BARBARA CA 93110 2 02/01/96
00
0380348012 05 04/01/96
0
130002 O 03/01/26
0
1478098 624/728 F 320,000.00
ZZ
STEVENS RHOADS E 360 319,774.15
1
6242 KEOKEA PLACE #E101 7.750 2,292.52
80
7.500 2,292.52
404,000.00
HONOLULU HI 96825 1 01/22/96
00
0380349432 01 03/01/96
0
70007360016 O 02/01/26
0
1478099 976/728 F 222,400.00
ZZ
BONHOMME MICHEL A 360 222,250.77
1
19578 EMPTY SADDLE ROAD 8.000 1,631.90
80
7.750 1,631.90
278,000.00
WALNUT CA 91789 1 01/31/96
00
0380351842 05 03/01/96
0
753269 O 02/01/26
0
1478105 559/728 F 263,200.00
ZZ
MADDOCK MARK R 360 263,200.00
1
8411 MANANA WAY 7.875 1,908.39
80
7.625 1,908.39
329,000.00
FAIR OAKS CA 95628 1 02/08/96
00
0380348848 05 04/01/96
0
0461616 O 03/01/26
0
1478106 776/728 F 75,200.00
ZZ
SIX TIMOTHY A 360 75,149.54
1
801 COYOTE LANE 8.000 551.79
70
7.750 551.79
108,500.00
1
GREAT FALLS MT 59404 2 01/18/96
00
0380351891 05 03/01/96
0
2525282 O 02/01/26
0
1478110 776/728 F 146,250.00
ZZ
THOMPSON DESMOND E 360 146,151.87
1
19711 GALWAY AVENUE 8.000 1,073.13
75
7.750 1,073.13
195,000.00
CARSON CA 90746 2 01/22/96
00
0380349119 05 03/01/96
0
2127279 O 02/01/26
0
1478141 461/728 F 201,750.00
ZZ
ZAKERI SALEIM S 360 201,607.60
1
10720 ESTHER AVENUE 7.750 1,445.37
75
7.500 1,445.37
269,000.00
LOS ANGELES CA 90064 1 01/05/96
00
0380349861 05 03/01/96
0
21227327 O 02/01/26
0
1478146 624/728 F 416,000.00
ZZ
HONG DAVID K 360 416,000.00
1
44-122 KAHINANI WAY 7.750 2,980.27
79
7.500 2,980.27
530,000.00
KANEOHE HI 96744 1 02/01/96
00
0380349051 05 04/01/96
0
70007360026 O 03/01/26
0
1478165 964/728 F 324,500.00
ZZ
GRZYWACZ NORBERTO M 360 324,282.26
1
264 WATERSIDE CIRCLE 8.000 2,381.07
90
7.750 2,381.07
360,600.00
SAN RAFAEL CA 94903 1 01/23/96
14
0380347907 03 03/01/96
25
16834 O 02/01/26
0
1478198 E22/728 F 225,000.00
ZZ
KNOHL MITCHELL T 360 225,000.00
1
3711 N PARK ROAD 8.375 1,710.16
75
8.125 1,710.16
300,000.00
HOLLYWOOD FL 33021 5 02/02/96
00
0410008254 05 04/01/96
0
0410008254 O 03/01/26
0
1
1478243 560/560 F 204,559.08
ZZ
SIPE JR FRANK A 299 203,991.40
1
14131 VIA CORSINI 8.875 1,700.72
85
8.625 1,700.72
242,025.00
SAN DIEGO CA 92128 1 12/14/95
11
217519057 05 01/01/96
17
217519057 O 11/01/20
0
1478244 560/560 F 211,493.98
ZZ
COOK ROANLD P 329 211,315.51
1
1 BROOK RIDGE LANE 8.000 1,588.43
71
7.750 1,588.43
300,000.00
GUILFORD CT 06437 1 12/12/95
00
220875280 05 03/01/96
0
220875280 O 07/01/23
0
1478245 560/560 F 215,718.80
ZZ
RAINES THOMAS R 306 215,141.70
1
4413 MARSH ELDER CT 8.750 1,763.92
86
8.500 1,763.92
253,000.00
CONCORD CA 94521 1 11/20/95
14
217864776 05 01/01/96
17
217864776 O 06/01/21
0
1478246 560/560 F 233,079.08
ZZ
POMPA EDWARD 302 225,673.38
1
BOX 149 GREAT BEAR RD 8.250 1,834.05
87
8.000 1,834.05
270,000.00
HOLMES NY 12531 1 08/10/93
01
220982854 05 11/01/93
30
220982854 O 12/01/18
0
1478292 076/076 F 245,000.00
ZZ
BERNSTEIN BRUCE 360 244,843.78
1
22 MULBERRY COURT 8.250 1,840.60
70
8.000 1,840.60
350,000.00
JERICHO NY 11753 1 01/12/96
00
5199812 05 03/01/96
0
5199812 O 02/01/26
0
1478306 076/076 F 380,000.00
ZZ
KADAMBI SRINARAYA 360 379,757.69
1
1
1690 PARKHILLS AVENUE 8.250 2,854.81
80
8.000 2,854.81
475,000.00
LOS ALTOS CA 94024 1 01/18/96
00
5412092 05 03/01/96
0
5412092 O 02/01/26
0
1478356 163/728 F 380,000.00
ZZ
CARDIEL KEVIN 360 379,763.81
1
9111 SOUTH EL RITO DRIVE 8.375 2,888.27
89
8.125 2,888.27
430,000.00
VILLA PARK CA 92667 2 01/11/96
14
0380347493 05 03/01/96
25
215075775 O 02/01/26
0
1478377 992/728 F 132,000.00
ZZ
FERNANDEZ NESTOR H 360 132,000.00
1
390 OLD ST ANDREWS ROAD 8.000 968.57
75
7.750 968.57
176,000.00
WALDEN NY 12586 1 02/12/96
00
0380347550 05 04/01/96
0
323661 O 03/01/26
0
1478378 560/560 F 233,900.00
ZZ
STURDIVANT JERRY L 360 233,750.84
1
1001 CEDARVIEW LANE 8.250 1,757.22
90
8.000 1,757.22
259,900.00
FRANKLIN TN 37067 1 01/31/96
10
450329958 05 03/01/96
25
450329958 O 02/01/26
0
1478379 560/560 F 283,500.00
ZZ
CHEN SUYANG 360 283,332.62
1
214 MERRITT DR. 8.625 2,205.04
90
8.375 2,205.04
315,000.00
ORADELL NJ 07649 1 01/30/96
10
450329677 05 03/01/96
25
450329677 O 02/01/26
0
1478380 560/560 F 150,000.00
ZZ
JACOBS PHILIP N 360 150,000.00
1
32 CHAPIN RD 8.375 1,140.11
75
8.125 1,140.11
200,000.00
BARRINGTON RI 02806 1 02/02/96
00
450332804 05 04/01/96
0
1
450332804 O 03/01/26
0
1478381 560/560 F 315,000.00
ZZ
CARNEY JOSEPH 360 314,799.14
1
183 PERSHING BLVD. 8.250 2,366.49
90
8.000 2,366.49
350,000.00
LAVALLETTE NJ 08735 1 01/31/96
04
450330279 05 03/01/96
25
450330279 O 02/01/26
0
1478392 776/728 F 252,000.00
ZZ
JOHANSON JEFFREY C 360 251,812.98
1
4405 BEACONSFIELD COURT 7.500 1,762.02
80
7.250 1,762.02
315,000.00
WESTLAKE VILLAG CA 91361 2 01/22/96
00
0380349093 03 03/01/96
0
2126247 O 02/01/26
0
1478400 028/728 F 300,000.00
ZZ
LLOYD DEAN 360 299,788.26
1
951 MATTS COURT 7.750 2,149.24
30
7.500 2,149.24
1,020,000.00
LOS ALTOS CA 94024 2 01/24/96
00
0380349101 05 03/01/96
0
121810 O 02/01/26
0
1478401 750/728 F 324,000.00
ZZ
EDDY MICHAEL M 360 323,771.32
1
41 NORTHRIDGE ROAD 7.750 2,321.18
80
7.500 2,321.18
405,000.00
SANTA BARBARA CA 93105 2 01/25/96
00
0380350281 05 03/01/96
0
315049569 O 02/01/26
0
1478404 750/728 F 605,000.00
ZZ
STANFIELD JAMES 360 604,562.12
1
1081 CAMINO VIEJO 7.625 4,282.15
60
7.375 4,282.15
1,025,000.00
SANTA BARBARA CA 93108 2 01/23/96
00
0380350299 05 03/01/96
0
315049536 O 02/01/26
0
1
1478409 550/550 F 296,000.00
ZZ
HARIS LEE 360 296,000.00
1
154 LOMBARD STREET #65 7.750 2,120.58
80
7.500 2,120.58
370,000.00
SAN FRANCISCO CA 94111 1 02/13/96
00
120190751 06 04/01/96
0
120190751 O 03/01/26
0
1478416 936/728 F 237,500.00
ZZ
RIVERA ROSALINDA 360 237,348.55
1
21485 VIA LA NARANIA 8.250 1,784.26
95
8.000 1,784.26
250,000.00
YORBA LINDA CA 92686 2 01/23/96
12
0380350596 05 03/01/96
30
6007066 O 02/01/26
0
1478417 936/728 F 253,000.00
ZZ
FURTH KENNETH 360 252,834.50
1
1259 NORTH CLARK STREET 8.125 1,878.52
52
7.875 1,878.52
490,000.00
LOS ANGELES CA 90069 2 01/18/96
00
0380350844 05 03/01/96
0
6006910 O 02/01/26
0
1478425 744/728 F 404,000.00
ZZ
BIRD MARK 360 404,000.00
1
33801 BLUE LANTERN 8.375 3,070.69
80
8.125 3,070.69
505,000.00
DANA POINT CA 92629 1 02/06/96
00
0380348632 05 04/01/96
0
76057 O 03/01/26
0
1478426 450/728 F 256,000.00
ZZ
DRURY JEFFREY S 360 255,828.23
1
38215 FRENCH POND 8.000 1,878.44
78
7.750 1,878.44
330,000.00
FARMINGTON HILL MI 48331 2 01/24/96
00
0380358946 01 03/01/96
0
4104444 O 02/01/26
0
1478427 976/728 F 290,600.00
ZZ
DESMOND STEVEN A 360 290,384.33
1
644 WEST J STREET 7.500 2,031.92
75
7.250 2,031.92
387,500.00
1
BENECIA CA 94510 5 01/22/96
00
0380351883 05 03/01/96
0
730020 O 02/01/26
0
1478430 976/728 F 220,500.00
ZZ
JONES TERRY D 360 220,340.40
1
7939 AYLESBURRY LANE 7.625 1,560.69
90
7.375 1,560.69
245,000.00
SPRING TX 77379 1 01/26/96
04
0380350067 03 03/01/96
25
691970 O 02/01/26
0
1478437 B91/728 F 480,000.00
ZZ
RAINS ROBERT C 360 479,693.91
1
6652 CARRIAGE CIRCLE 8.250 3,606.09
75
8.000 3,606.09
640,000.00
HUNTINGTON BEAC CA 92648 2 01/18/96
00
0380350810 03 03/01/96
0
1951101532 O 02/01/26
0
1478507 E22/728 F 186,400.00
ZZ
BOUDREAU DAVID A 360 186,274.93
1
2300 WAKEFOREST COURT 8.000 1,367.74
80
7.750 1,367.74
233,000.00
ARLINGTON TX 76012 1 01/26/96
00
0410075436 05 03/01/96
0
0410075436 O 02/01/26
0
1478531 E22/728 F 112,000.00
ZZ
FAKTOR JOAN 360 112,000.00
1
18140 BLUE LAKE WAY 7.875 812.08
66
7.625 812.08
172,000.00
BOCA RATON FL 33498 2 02/05/96
00
0410066526 03 04/01/96
0
0410066526 O 03/01/26
0
1478584 575/728 F 350,000.00
ZZ
OKULEY BRIAN N 360 349,759.14
1
704 FORDSMERE COURT 7.875 2,537.74
68
7.625 2,537.74
520,000.00
CHESAPEAKE VA 23320 4 01/05/96
00
0380350414 05 03/01/96
0
415010373 O 02/01/26
0
1
1478608 560/560 F 228,000.00
ZZ
BOVE TERRY M 360 226,961.70
1
36 CIRCLE DRIVE 8.375 1,732.96
95
8.125 1,732.96
240,000.00
SHOREHAM NY 11786 1 10/16/95
10
450248224 05 12/01/95
30
450248224 O 11/01/25
0
1478618 744/728 F 222,500.00
ZZ
JOHNSON GAIL M 360 222,500.00
1
455 WALNUT AVENUE 7.625 1,574.84
60
7.375 1,574.84
375,000.00
SONOMA CA 95476 2 01/31/96
00
0380351875 05 04/01/96
0
76065 O 03/01/26
0
1478637 470/728 F 423,750.00
ZZ
BRANT RAYMOND F 360 423,465.67
1
41 PALMA VISTA 8.000 3,109.33
75
7.750 3,109.33
565,000.00
DIABLO CA 94528 1 01/26/96
00
0380348392 05 03/01/96
0
25075305 O 02/01/26
0
1478645 776/728 F 95,600.00
ZZ
KOTTEL TIM R 360 95,600.00
1
2815 NORTHRIDGE DRIVE 8.250 718.21
75
8.000 718.21
127,500.00
PLACERVILLE CA 95667 1 02/02/96
00
0380348921 05 04/01/96
0
2327707 O 03/01/26
0
1478722 163/728 F 247,500.00
ZZ
HUMPHREY JEFFREY H 360 247,316.32
1
6401 MELVILLE DRIVE 7.500 1,730.56
75
7.250 1,730.56
330,000.00
OAKLAND CA 94611 5 01/25/96
00
0380348673 05 03/01/96
0
215067046 O 02/01/26
0
1478724 163/728 F 285,000.00
ZZ
MIRICK HARRY L 360 285,000.00
1
1
32 FREEMAN LANE 7.875 2,066.45
45
7.625 2,066.45
640,000.00
ORLEANS MA 02653 2 02/02/96
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0380348699 05 04/01/96
0
372078166 O 03/01/26
0
1478728 B73/728 F 293,600.00
ZZ
DORST BRYCE E 360 293,376.60
1
53 VISTA DRIVE 7.375 2,027.82
80
7.125 2,027.82
367,000.00
DANVILLE CA 94526 1 01/18/96
00
0380359621 05 03/01/96
0
7689276 O 02/01/26
0
1478733 736/728 F 300,000.00
ZZ
LITVIN JEANNE 360 300,000.00
1
148 SOUTH ALTA VISTA BOULEVARD 7.500 2,097.64
75
7.250 2,097.64
400,000.00
LOS ANGELES CA 90036 1 02/12/96
00
0380353707 05 04/01/96
0
457950 O 03/01/26
0
1478736 881/728 F 340,000.00
ZZ
EVANS THOMAS D 360 340,000.00
1
1814 LORAIN ROAD 7.625 2,406.50
80
7.375 2,406.50
425,000.00
SAN MARINO CA 91108 1 02/13/96
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0380360470 05 04/01/96
0
105233 O 03/01/26
0
1478756 736/728 F 232,500.00
ZZ
WAUGH RICHARD M 360 232,500.00
1
2295 MARRA ROAD 8.125 1,726.31
75
7.875 1,726.31
310,000.00
OCCIDENTAL CA 95465 2 02/09/96
00
0380351719 05 04/01/96
0
460463 O 03/01/26
0
1478761 E22/728 F 240,750.00
ZZ
CHUAH BUNNY 360 240,750.00
1
19 CEDAR HOLLOW DRIVE 7.625 1,704.01
80
7.375 1,704.01
300,950.00
DANVILLE CA 94526 1 01/31/96
00
0410087654 03 04/01/96
0
1
410087654 O 03/01/26
0
1478811 626/728 F 230,000.00
ZZ
BELL G K 360 230,000.00
1
6323 STANLEY AVENUE 8.000 1,687.66
70
7.750 1,687.66
330,000.00
CARMICHAEL CA 95608 2 02/07/96
00
0380355991 05 04/01/96
0
6512644 O 03/01/26
0
1478842 367/367 F 265,000.00
ZZ
QUINTYN MARC 360 265,000.00
1
2011 POWHATAN STREET 7.875 1,921.43
70
7.625 1,921.43
380,000.00
FALLS CHURCH VA 22043 2 02/06/96
00
75224001 05 04/01/96
0
75224001 O 03/01/26
0
1478862 447/447 F 318,100.00
ZZ
MATTEI THOMAS A 360 317,193.21
1
7909 CLIFTON HUNT COURT 7.750 2,278.91
75
7.500 2,278.91
424,196.00
CLIFTON VA 22024 1 10/27/95
00
3314001 03 12/01/95
0
3314001 O 11/01/25
0
1478868 447/447 F 382,400.00
ZZ
MILLER PAUL D 360 382,116.20
1
3304 HEATHCOTE LANE 7.500 2,673.80
80
7.250 2,673.80
478,000.00
KESWICK VA 22947 2 01/11/96
00
3392528 03 03/01/96
0
3392528 O 02/01/26
0
1478869 447/447 F 242,900.00
ZZ
SCANLON TERRY M 360 242,728.56
1
5442 S ZONETAILED WAY 7.750 1,740.17
80
7.500 1,740.17
303,635.00
BOISE ID 83705 1 01/24/96
00
3401851 03 03/01/96
0
3401851 O 02/01/26
0
1
1478870 447/447 F 250,000.00
ZZ
COVARELLI DOMENIC P 360 249,823.55
1
2403 PINEHURST COURT 7.750 1,791.03
82
7.500 1,791.03
306,000.00
BYRON CA 94514 2 01/09/96
04
3404311 03 03/01/96
12
3404311 O 02/01/26
0
1478878 447/447 F 275,000.00
ZZ
MORSE JOHN B 360 274,111.04
1
3411 ROYAL MEADOW LANE 8.250 2,065.99
64
8.000 2,065.99
436,000.00
SAN JOSE CA 95135 1 09/07/95
00
2006384 05 11/01/95
0
2006384 O 10/01/25
0
1478956 559/728 F 313,000.00
ZZ
WAITE RICHARD D 360 313,000.00
1
2756 LESLIE ROAD 7.750 2,242.37
41
7.500 2,242.37
768,000.00
SANTA ROSA CA 95404 2 02/07/96
00
0380359738 05 04/01/96
0
0460790 O 03/01/26
0
1478960 B60/728 F 307,500.00
ZZ
GLYNN MICHAEL J 360 307,500.00
1
3213 GIBSON PLACE 8.250 2,310.14
80
8.000 2,310.14
385,000.00
REDONDO BEACH CA 90278 2 02/16/96
00
0380348822 05 04/01/96
0
6371 O 03/01/26
0
1478974 686/686 F 288,400.00
ZZ
BUTLER JOHN K 360 288,400.00
1
19920 MUIRFIELD CIRCLE 7.625 2,041.28
70
7.375 2,041.28
412,000.00
SHOREWOOD MN 55331 5 01/29/96
00
30817097173 05 04/01/96
0
30817097173 O 03/01/26
0
1478977 686/686 F 232,200.00
ZZ
LEWIS BRUCE A 360 232,050.41
1
27016 CALLE JUANITA 8.200 1,736.29
90
7.950 1,736.29
258,000.00
1
DANA POINT CA 92624 1 01/31/96
01
30817423478 05 03/01/96
25
30817423478 O 02/01/26
0
1478981 686/686 F 208,200.00
ZZ
CAVELL PHYLLIS P 360 208,053.04
1
3342 AVENIDA HACIENDA 7.750 1,491.58
62
7.500 1,491.58
340,000.00
ESCONDIDO CA 92029 2 01/30/96
00
30817248990 03 03/01/96
0
30817248990 O 02/01/26
0
1478989 686/686 F 70,000.00
ZZ
GALANIS GEORGE D 360 70,000.00
1
129 LAURIE LANE 8.000 513.64
64
7.750 513.64
111,000.00
OSWEGO IL 60543 1 02/07/96
00
30817097355 05 04/01/96
0
30817097355 O 03/01/26
0
1479036 943/943 F 500,000.00
ZZ
MITCHELL BERNARD A 360 499,147.10
1
2601 HYBERNIA AVENUE 7.750 3,582.07
72
7.500 3,582.07
695,428.00
HIGHLAND PARK IL 60035 1 02/01/96
00
6555100239 03 03/01/96
0
6555100239 O 02/01/26
0
1479097 776/728 F 420,000.00
ZZ
DOBLER CLIFFORD F 360 420,000.00
1
995 FAIRWAY BOULEVARD 7.750 3,008.94
68
7.500 3,008.94
620,000.00
INCLINE VILLAGE NV 89451 1 02/09/96
00
0380360777 05 04/01/96
0
0328245 O 03/01/26
0
1479146 163/728 F 364,500.00
ZZ
LEONARD MARK S 360 364,273.45
1
994 CALLE DEL PACIFICO 8.375 2,770.46
89
8.125 2,770.46
410,000.00
GLENDALE CA 91208 2 01/22/96
14
0380350000 03 03/01/96
25
215033738 O 02/01/26
0
1
1479161 163/728 F 512,400.00
ZZ
SCHNEIDER EARL M 360 512,400.00
1
688 LONG COVE COURT 8.125 3,804.56
72
7.875 3,804.56
719,000.00
RIVERWOODS IL 60015 4 02/02/96
00
0380356031 05 04/01/96
0
5105283 O 03/01/26
0
1479163 936/728 F 243,000.00
ZZ
BOLIN GARY R 360 242,672.81
1
2060 WEST 236TH PLACE 8.000 1,783.05
80
7.750 1,783.05
305,000.00
TORRANCE CA 90501 2 12/28/95
00
0380359902 05 02/01/96
0
6002075 O 01/01/26
0
1479180 B60/728 F 318,000.00
ZZ
YOUNG RANDALL R 360 318,000.00
1
18052 STARMONT LANE 8.000 2,333.37
77
7.750 2,333.37
415,000.00
HUNTINGTON BEAC CA 92649 2 02/14/96
00
0380349937 05 04/01/96
0
5957 O 03/01/26
0
1479189 163/163 F 215,900.00
ZZ
SCOMA CARMEN R 360 215,484.15
1
8564 GREAT MEADOW DRIVE 8.250 1,621.98
90
8.000 1,621.98
240,243.00
SARASOTA FL 34238 1 12/29/95
14
130153 03 02/01/96
25
130153 O 01/01/26
0
1479192 B60/728 F 387,000.00
ZZ
GLAAB MARK 360 387,000.00
1
30856 BELLE MAISON 8.125 2,873.46
79
7.875 2,873.46
495,000.00
LAGUNA NIGUEL CA 92677 2 02/13/96
00
0380349945 05 04/01/96
0
6615 O 03/01/26
0
1479193 A39/728 F 474,550.00
ZZ
SUROWITZ DALE 360 474,550.00
1
1
3812 ROCK HAMPTON DRIVE 7.625 3,358.83
80
7.375 3,358.83
593,275.00
TARZANA AREA CA 91356 1 02/06/96
00
0380351537 05 04/01/96
0
9500870 O 03/01/26
0
1479233 E22/728 F 373,000.00
ZZ
PEARL BRADFORD A 360 373,000.00
1
2034 FAIRBURN AVENUE 8.375 2,835.07
65
8.125 2,835.07
575,000.00
LOS ANGELES CA 90025 2 02/01/96
00
0410087787 05 04/01/96
0
410087787 O 03/01/26
0
1479257 E22/728 F 305,600.00
ZZ
PAHIA-WHITE ALAN J 360 305,600.00
1
747 PAKANU STREET 8.250 2,295.87
75
8.000 2,295.87
407,500.00
HAIKU HI 96708 2 02/09/96
00
0410088371 05 04/01/96
0
410088371 O 03/01/26
0
1479265 601/728 F 252,700.00
ZZ
WEAVER MARCIA E 360 252,512.46
1
7114 FOREST GREEN COURT 7.500 1,766.92
80
7.250 1,766.92
318,000.00
COLUMBIA MD 21046 2 01/25/96
00
0380360660 05 03/01/96
0
1031400 O 02/01/26
0
1479295 731/728 F 103,500.00
ZZ
KOHANIM DAVID 360 103,500.00
1
6446 JUMILLA AVENUE 8.375 786.67
75
CITY OF LOS ANGELES 8.125 786.67
138,000.00
WOODLAND HILLS CA 91367 1 02/12/96
00
0380358482 05 04/01/96
0
411910844 O 03/01/26
0
1479296 731/728 F 283,000.00
ZZ
TAVAKOLI SHAHRAM S 360 283,000.00
1
3568 ALANA DRIVE 7.500 1,978.78
71
CITY OF LOS ANGELES 7.250 1,978.78
400,000.00
SHERMAN OAKS AR CA 91403 2 02/12/96
00
0380358466 05 04/01/96
0
1
411111160 O 03/01/26
0
1479310 964/728 F 402,000.00
ZZ
FOEDISCH JR HERBERT W 360 401,730.26
1
44 BRIDGEGATE DRIVE 8.000 2,949.74
62
7.750 2,949.74
655,000.00
SAN RAFAEL CA 94903 2 01/26/96
00
0380355108 05 03/01/96
0
16870 O 02/01/26
0
1479328 776/728 F 176,000.00
ZZ
TAYLOR RONALD L 360 176,000.00
1
17345 CAINE DRIVE 7.500 1,230.62
80
7.250 1,230.62
220,000.00
ARTESIA CA 90701 1 02/02/96
00
0380358805 05 04/01/96
0
2427075 O 03/01/26
0
1479525 450/728 F 236,000.00
ZZ
NADEAU LARRY B 360 235,833.44
1
37 VISTA MAR DRIVE 7.750 1,690.73
78
7.500 1,690.73
305,000.00
LAGUNA NIGUEL CA 92677 2 01/24/96
00
0380360579 03 03/01/96
0
3965589 O 02/01/26
0
1479612 163/728 F 247,500.00
ZZ
KACOYANNAKIS JOHN 360 245,875.32
1
38 BEACON STREET 8.750 1,947.08
90
8.500 1,947.08
275,000.00
STONEHAM MA 02180 1 03/30/95
14
0380362468 05 05/01/95
25
0371724026 O 04/01/25
0
1479617 450/728 F 328,000.00
ZZ
TOBIN CHARLES 360 327,785.44
1
4549 MELISSA LANE 8.125 2,435.39
80
7.875 2,435.39
410,000.00
DALLAS TX 75229 1 01/15/96
00
0380361940 05 03/01/96
0
3877867 O 02/01/26
0
1
1479628 163/728 F 225,000.00
ZZ
LIDBURY THOMAS A 360 224,000.32
1
26731 W. TAYLOR ROAD 8.375 1,710.16
90
8.125 1,710.16
250,000.00
BARRINGTON IL 60010 2 06/30/95
04
0380362435 05 09/01/95
25
214767505 O 08/01/25
0
1479630 450/728 F 560,000.00
ZZ
HADA DANIEL H 360 559,633.69
1
10091 HILLCREST ROAD 8.125 4,157.98
75
7.875 4,157.98
746,800.00
CUPERTINO CA 95014 1 01/24/96
00
0380361973 05 03/01/96
0
3964582 O 02/01/26
0
1479681 025/025 F 247,500.00
ZZ
SLOAN RONALD L 360 247,333.93
1
282 FIELDS TERRACE 8.000 1,816.07
75
7.750 1,816.07
330,000.00
PORT CHARLOTTE FL 33952 5 01/08/96
00
550171 05 03/01/96
0
550171 O 02/01/26
0
1479694 051/728 F 220,750.00
ZZ
PORTER JON C 360 220,750.00
1
4511 TENNESSEE DRIVE 8.375 1,677.86
78
8.125 1,677.86
285,000.00
SHIGNLE SPRINGS CA 95682 2 02/22/96
00
0380351057 05 04/01/96
0
051 O 03/01/26
0
1479699 163/728 F 483,000.00
ZZ
FRANKLIN CARL M 360 480,742.93
1
7716 FIRENZE AVENUE 8.125 3,586.26
70
7.875 3,586.26
690,000.00
LOS ANGELES CA 90046 1 06/29/95
00
0380356395 05 09/01/95
0
314760823 O 08/01/25
0
1479733 163/728 F 302,000.00
ZZ
PETERS CRAIG R 360 300,255.80
1
918 BEECH AVENUE 7.750 2,163.56
79
7.500 2,163.56
385,000.00
1
TORRANCE CA 90501 2 06/22/95
00
0380367566 05 08/01/95
0
314761367 O 07/01/25
0
1479735 163/728 F 220,050.00
ZZ
CATULLO JAMES J 360 218,928.71
1
12 STANWYCK ROAD 8.375 1,672.54
75
8.125 1,672.54
297,220.00
MOUNT LAUREL NJ 08054 2 06/19/95
00
0380362526 05 08/01/95
0
371271016 O 07/01/25
0
1479741 163/728 F 360,000.00
ZZ
SINGER ALLEN M 360 357,926.66
1
5911 SUNCREST DR 8.500 2,768.09
90
8.250 2,768.09
400,000.00
MIAMI FL 33156 1 06/01/95
04
0380356007 05 08/01/95
30
3814731089 O 07/01/25
0
1479771 429/429 F 225,000.00
ZZ
YOUNG RONALD M 360 224,140.54
1
10384 EAST BRISTOL ROAD 8.000 1,650.97
78
7.750 1,650.97
290,000.00
DAVISON MI 48423 2 11/15/95
00
21287701 05 01/01/96
0
21287701 O 12/01/25
0
1479785 936/728 F 249,600.00
ZZ
THEODOSIOU KOSTAS 360 249,600.00
1
7613 VICKY AVENUE 7.875 1,809.78
80
7.625 1,809.78
312,000.00
WEST HILLS CA 91304 2 02/05/96
00
0380369786 05 04/01/96
0
6017081541 O 03/01/26
0
1479795 744/728 F 247,200.00
ZZ
MIREMBE JAHI C 360 247,200.00
1
10935 ETTRICK STREET 7.625 1,749.67
80
7.375 1,749.67
309,000.00
OAKLAND CA 94605 1 02/14/96
00
0380370131 05 04/01/96
0
76362 O 03/01/26
0
1
1479837 776/728 F 261,000.00
ZZ
DECASTONGRENE RICHARD H 360 261,000.00
1
6412 FOREHAND COURT 7.375 1,802.67
80
7.125 1,802.67
328,000.00
APTOS CA 95003 1 02/02/96
00
0380360272 03 04/01/96
0
6228060 O 03/01/26
0
1479841 976/728 F 356,000.00
ZZ
ANTHONY JEFF P 360 356,000.00
1
4794 KESWICK COURT 8.500 2,737.34
70
8.250 2,737.34
510,000.00
SAN DIEGO CA 92130 2 02/05/96
00
0380361130 03 04/01/96
0
744033832 O 03/01/26
0
1479853 776/728 F 274,400.00
ZZ
KLEMPEN ROBERT A 360 274,400.00
1
2897 CHATEAU WAY 7.500 1,918.65
80
7.250 1,918.65
343,000.00
LAGUNA BEACH CA 92651 2 02/05/96
00
0380368945 05 04/01/96
0
6127839 O 03/01/26
0
1479888 698/698 F 260,000.00
ZZ
CRAIG LARRY D 360 260,000.00
1
554 AGATE STREET 8.000 1,907.79
80
7.750 1,907.79
325,000.00
LAGUNA BEACH CA 92651 2 02/14/96
00
16402028 05 04/01/96
0
16402028 O 03/01/26
0
1479890 E57/728 F 250,000.00
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DAMALAS HARRY 360 250,000.00
1
18 CRESTVIEW 7.500 1,748.04
90
UNINCORPORATED AREA 7.250 1,748.04
278,000.00
ALISO VIEJO CA 92656 1 02/14/96
14
0380370354 05 04/01/96
25
42402005000 O 03/01/26
0
1480009 429/429 F 232,750.00
ZZ
SCHWARTZ REGAN A 360 232,474.17
1
1
2446 WESTMINSTER TERRACE 8.625 1,810.31
95
8.375 1,810.31
245,000.00
OVIEDO FL 32765 1 12/29/95
14
21359757 03 02/01/96
30
21359757 O 01/01/26
0
1480101 405/405 F 240,600.00
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CORDERO MARCO A 360 240,446.58
1
4914 CREEK DRIVE 8.250 1,807.55
80
8.000 1,807.55
300,750.00
WESTERN SPRINGS IL 60558 1 01/29/96
00
3789559 01 03/01/96
0
3789559 O 02/01/26
0
1480104 405/405 F 250,000.00
ZZ
MOORADIAN MICHAEL R 360 249,832.25
1
5N280 BLUEBILL COURT 8.000 1,834.42
77
7.750 1,834.42
325,000.00
BLOOMINGDALE IL 60108 1 01/22/96
00
3804770 05 03/01/96
0
3804770 O 02/01/26
0
1480109 405/405 F 348,800.00
ZZ
HARPER CAROLYN G 360 348,565.95
1
5836 PACKARD LANE NE 8.000 2,559.38
80
7.750 2,559.38
436,000.00
BAINBRIDGE ISLA WA 98110 2 01/24/96
00
3827458 05 03/01/96
0
3827458 O 02/01/26
0
1480113 405/405 F 399,200.00
ZZ
MAYO KEITH A 360 398,945.44
1
29309 S SEAWAY COURT 8.250 2,999.06
80
8.000 2,999.06
500,000.00
HARRISON TWP. MI 48045 2 01/19/96
00
3841111 05 03/01/96
0
3841111 O 02/01/26
0
1480121 405/405 F 249,600.00
ZZ
BROBBEY GWENDOLYNE 360 249,423.83
1
1915 LAKEFRONT DRIVE 7.750 1,788.17
80
7.500 1,788.17
312,016.00
MISSOURI CITY TX 77459 1 01/19/96
00
3844677 03 03/01/96
0
1
3844677 O 02/01/26
0
1480125 405/405 F 255,000.00
ZZ
MALTE PHILIP C 360 254,833.19
1
11750 NE 36TH PLACE 8.125 1,893.37
73
7.875 1,893.37
350,000.00
BELLEVUE WA 98005 2 01/22/96
00
3846813 05 03/01/96
0
3846813 O 02/01/26
0
1480192 429/429 F 325,000.00
ZZ
MANN RICHARD L 360 324,516.09
1
57 HOWARD PARK DRIVE 7.500 2,272.45
74
7.250 2,272.45
445,000.00
TENAFLY NJ 07670 1 12/15/95
00
0021299268 05 02/01/96
0
0021299268 O 01/01/26
0
1480228 559/728 F 335,000.00
ZZ
NIEH TAI-GANG 360 335,000.00
1
10650 CASTINE AVENUE 8.125 2,487.37
67
7.875 2,487.37
500,000.00
CUPERTINO CA 95014 2 02/12/96
00
0380361122 05 04/01/96
0
0457846 O 03/01/26
0
1480230 668/728 F 400,000.00
ZZ
MICU TRAIAN 360 399,703.14
1
5390 JOHNSTON ROAD 7.500 2,796.86
80
7.250 2,796.86
500,000.00
PLEASANTON CA 94588 1 01/17/96
00
0380363557 05 03/01/96
0
6274542 O 02/01/26
0
1480234 640/728 F 212,000.00
ZZ
MEEK FORREST L 360 211,850.38
1
103 PARK LANE 7.750 1,518.79
80
7.500 1,518.79
265,000.00
RIDGELAND MS 39110 1 01/13/96
00
0380358193 03 03/01/96
0
5632153 O 02/01/26
0
1
1480244 664/728 F 385,000.00
ZZ
ROTHAAR,JR HAROLD R 360 385,000.00
1
4 COLINA LANE 7.375 2,659.10
57
7.125 2,659.10
685,000.00
ROLLING HILLS E CA 90274 1 02/02/96
00
0380369372 05 04/01/96
0
2064483 O 03/01/26
0
1480275 640/728 F 384,000.00
ZZ
CANTWELL D C 360 383,735.73
1
5719 MORGANTON ROAD 7.875 2,784.27
80
7.625 2,784.27
480,000.00
GREENBACK TN 37742 1 01/05/96
00
0380364340 05 03/01/96
0
5626759 O 02/01/26
0
1480371 163/728 F 350,000.00
ZZ
BALL PERRY A 360 349,787.97
1
ROUTE 10 8.500 2,691.20
90
8.250 2,691.20
390,000.00
ORFORD NH 03777 1 01/11/96
14
0380356312 05 03/01/96
25
371819119 O 02/01/26
0
1480404 670/728 F 223,000.00
ZZ
TROTTER SHARLEY A 360 222,846.53
1
13720 E. 111TH ST SOUTH 7.875 1,616.91
80
7.625 1,616.91
279,000.00
BROKEN ARROW OK 74011 1 01/29/96
00
0380365289 05 03/01/96
0
1332191 O 02/01/26
0
1480406 670/728 F 66,400.00
ZZ
NOAH ROBERT E 360 66,351.94
1
215 WINESAP 7.625 469.98
80
7.375 469.98
83,000.00
BENTONVILLE AR 72712 2 01/26/96
00
0380365339 05 03/01/96
0
1472394 O 02/01/26
0
1480411 670/728 F 535,800.00
ZZ
STEARS MICHAEL C 360 535,440.48
1
8449 FIRETHORN COURT 8.000 3,931.52
74
7.750 3,931.52
730,000.00
1
LONGMONT CO 80503 2 01/12/96
00
0380365461 03 03/01/96
0
1604832 O 02/01/26
0
1480418 670/728 F 218,000.00
ZZ
BAXTER, JR JULIUS L 360 217,849.98
1
350 TOCCOA PLACE 7.875 1,580.65
95
7.625 1,580.65
229,480.00
JONESBORO GA 30236 1 01/25/96
11
0380365651 03 03/01/96
30
1630327 O 02/01/26
0
1480420 670/728 F 263,600.00
ZZ
NICOLSON NORM 360 263,245.08
1
7445 TRIGO LANE 8.000 1,934.20
95
7.750 1,934.20
277,500.00
CARLSBAD CA 92009 1 12/21/95
14
0380365735 05 02/01/96
30
1634475 O 01/01/26
0
1480423 670/728 F 823,000.00
ZZ
JONES A T 360 822,419.14
1
4655 POLO LANE 7.750 5,896.07
73
7.500 5,896.07
1,135,000.00
ATLANTA GA 30339 2 01/09/96
00
0380365800 05 03/01/96
0
1656851 O 02/01/26
0
1480433 670/728 F 339,300.00
ZZ
WEAVER SCOTT C 360 339,041.82
1
3541 FOREMAST DRIVE 7.375 2,343.46
80
7.125 2,343.46
428,000.00
GALVESTON TX 77554 2 01/30/96
00
0380366022 09 03/01/96
0
8536511 O 02/01/26
0
1480437 670/728 F 450,000.00
ZZ
JACOBOWITZ BENJAMIN 360 449,666.03
1
1473 SOUTH CARDIFF AVENUE 7.500 3,146.47
74
7.250 3,146.47
615,000.00
LOS ANGELES CA 90035 2 01/19/96
00
0380366089 05 03/01/96
0
12569682 O 02/01/26
0
1
1480438 670/728 F 294,500.00
ZZ
CURRAN STEPHEN J 360 294,316.94
1
1908 MONON STREET 8.375 2,238.42
95
8.125 2,238.42
310,000.00
LOS ANGELES CA 90027 1 01/09/96
10
0380366097 05 03/01/96
30
12570079 O 02/01/26
0
1480442 670/728 F 1,000,000.00
ZZ
SMITH ROBERT M 360 999,311.80
1
16001 WOODVALE ROAD 7.875 7,250.70
59
7.625 7,250.70
1,700,000.00
ENCINO CA 91436 2 01/19/96
00
0380366170 05 03/01/96
0
12571318 O 02/01/26
0
1480445 670/728 F 580,000.00
ZZ
JOHNSON WILLIAM J 360 579,580.21
1
4433 VIA PINZON 7.625 4,105.21
73
7.375 4,105.21
800,000.00
PALOS VERDES ES CA 90274 2 01/26/96
00
0380366246 05 03/01/96
0
12571661 O 02/01/26
0
1480447 670/728 F 306,000.00
ZZ
WATSON WILLIAM A 360 306,000.00
1
723 LUTON DRIVE 7.750 2,192.23
90
7.500 2,192.23
340,000.00
GLENDALE CA 91206 2 02/01/96
14
0380366279 05 04/01/96
25
12572721 O 03/01/26
0
1480450 670/728 F 228,000.00
ZZ
NOLKE JEFF 360 227,839.08
1
1035 RAMBLING ROAD 7.750 1,633.42
80
7.500 1,633.42
285,000.00
SIMI VALLEY CA 93065 5 01/29/96
00
0380366329 03 03/01/96
0
12573531 O 02/01/26
0
1480453 670/728 F 373,500.00
ZZ
MERRIMAN CHARLES S 360 373,500.00
1
1
2799 OAK WAY 8.250 2,805.99
90
8.000 2,805.99
415,000.00
CHICO CA 95973 1 02/01/96
10
0380366360 05 04/01/96
25
30109914 O 03/01/26
0
1480459 670/728 F 288,325.00
ZZ
CHRISTENSEN GEORGE M 360 288,121.50
1
2195 AMHERST WAY 7.750 2,065.60
95
7.500 2,065.60
303,500.00
EL DORADO HILLS CA 95762 1 01/31/96
11
0380366501 03 03/01/96
30
30435081 O 02/01/26
0
1480460 670/728 F 225,000.00
ZZ
YUN HO K 360 223,595.01
1
5461 WHITE HALL CIRCLE 8.625 1,750.03
70
8.375 1,750.03
325,000.00
WEST BLOOMFIELD MI 48323 1 11/10/95
00
0380366519 05 01/01/96
0
30451311 O 12/01/25
0
1480462 670/728 F 268,650.00
ZZ
LIDSKIN RONALD M 360 268,487.25
1
52 PARKVIEW LANE 8.500 2,065.69
75
8.250 2,065.69
358,266.00
HAWTHORN WOODS IL 60047 1 01/19/96
00
0380366527 05 03/01/96
0
30482020 O 02/01/26
0
1480470 670/728 F 193,000.00
ZZ
MELCONIAN JERRY O 360 192,883.07
1
76 BEAVER ROAD 8.500 1,484.01
71
8.250 1,484.01
275,000.00
READING MA 01867 2 01/23/96
00
0380366592 05 03/01/96
0
34041761 O 02/01/26
0
1480474 670/728 F 346,500.00
ZZ
MULLOWNEY JAMES O 360 346,261.54
1
101 SUNBIRD LANE 7.875 2,512.37
88
7.625 2,512.37
395,000.00
SUNNYVALE TX 75182 2 01/17/96
10
0380366634 05 03/01/96
25
1
34056815 O 02/01/26
0
1480478 670/728 F 256,400.00
ZZ
HAGGERTY LAUREEN M 360 256,400.00
1
14 WINTHROP ROAD 7.750 1,836.92
95
7.500 1,836.92
269,900.00
CARNEGIE PA 15106 1 02/05/96
10
0380366675 05 04/01/96
30
34065539 O 03/01/26
0
1480482 670/728 F 176,000.00
ZZ
PELTEKCI SAIT 360 175,869.38
1
548 NORTH VALENCIA STREET 7.500 1,230.62
53
7.250 1,230.62
335,000.00
GLENDORA CA 91741 2 01/22/96
00
0380366717 05 03/01/96
0
34068881 O 02/01/26
0
1480484 670/728 F 260,000.00
ZZ
WOLFENBARGER JAMES A 360 259,842.49
1
1745 RIDGE 8.500 1,999.18
62
8.250 1,999.18
420,000.00
WHITE LAKE TWP MI 48383 5 01/24/96
00
0380366733 05 03/01/96
0
34075097 O 02/01/26
0
1480486 670/728 F 62,000.00
ZZ
ROSENTHAL JUDITH S 360 62,000.00
1
600 NORTHEAST 36 TH ST. #1704 8.375 471.25
68
8.125 471.25
92,000.00
MIAMI FL 33137 1 02/13/96
00
0380366758 06 04/01/96
0
34078657 O 03/01/26
0
1480492 670/728 F 235,000.00
ZZ
BENNETT HUGH F 360 234,825.59
1
43 CENTRAL STREET 7.500 1,643.16
47
7.250 1,643.16
505,000.00
WINCHESTER MA 01890 2 01/22/96
00
0380366816 05 03/01/96
0
34083758 O 02/01/26
0
1
1480494 670/728 F 600,000.00
ZZ
HENDERSON I C 360 599,543.45
1
80 CLARENDON AVENUE 7.375 4,144.05
80
7.125 4,144.05
750,000.00
SAN FRANCISCO CA 94117 5 01/22/96
00
0380366832 05 03/01/96
0
34086391 O 02/01/26
0
1480495 670/728 F 487,500.00
ZZ
HIER ALAN D 360 487,500.00
1
2117 DUXBURY CIRCLE 7.750 3,492.51
75
7.500 3,492.51
650,000.00
LOS ANGELES CA 90034 5 01/31/96
00
0380366840 05 04/01/96
0
34086986 O 03/01/26
0
1480497 670/728 F 297,200.00
ZZ
COLLIAU DOUGLAS J 360 296,979.43
1
4607 RAYBURN STREET 7.500 2,078.07
80
7.250 2,078.07
371,500.00
THOUSAND OAKS CA 91362 1 01/24/96
00
0380366865 03 03/01/96
0
34090401 O 02/01/26
0
1480500 670/728 F 115,000.00
ZZ
KRUEGER JOHN W 360 114,920.86
1
2900 NORWAY CIRCLE 7.875 833.83
54
7.625 833.83
213,848.00
CAMBRIDGE MN 55008 1 01/29/96
00
0380366899 05 03/01/96
0
34095241 O 02/01/26
0
1480502 670/728 F 200,000.00
ZZ
PRUETT KENNETH M 360 199,862.36
1
5839 CAMINO DE LA COSTA 7.875 1,450.14
39
7.625 1,450.14
515,000.00
LA JOLLA CA 92037 1 01/12/96
00
0380366915 05 03/01/96
0
34095373 O 02/01/26
0
1480510 670/728 F 500,000.00
ZZ
NEUMEISTER DAVID R 360 499,655.90
1
5751 TERRA BELLA COURT 7.875 3,625.35
80
7.625 3,625.35
627,000.00
1
CAMARILLO CA 93012 5 01/18/96
00
0380366998 05 03/01/96
0
34101713 O 02/01/26
0
1480512 670/728 F 322,000.00
ZZ
BERG MICHAEL T 360 321,766.94
1
6172 FARMINGTON AVENUE S.E. 7.625 2,279.10
76
7.375 2,279.10
425,000.00
DELANO MN 55328 5 01/26/96
00
0380367012 05 03/01/96
0
34102019 O 02/01/26
0
1480513 670/728 F 207,000.00
ZZ
MEAGER JOHN M 360 206,850.17
1
26232 VERONA PLACE 7.625 1,465.14
70
7.375 1,465.14
298,000.00
MISSION VIEJO CA 92692 1 01/23/96
00
0380367020 03 03/01/96
0
34102701 O 02/01/26
0
1480516 670/728 F 284,000.00
T
MACLAURY GUY A 360 283,794.44
1
650 CYPRESS STREET 7.625 2,010.14
80
7.375 2,010.14
355,000.00
THOUSAND OAKS CA 91361 1 01/25/96
00
0380367046 05 03/01/96
0
34105930 O 02/01/26
0
1480521 670/728 F 218,000.00
ZZ
KODAK III PRESTON F 360 218,000.00
1
7 VINEYARD PLACE 8.000 1,599.61
73
7.750 1,599.61
300,000.00
N. EASTON MA 02356 2 02/05/96
00
0380367095 05 04/01/96
0
34109978 O 03/01/26
0
1480523 670/728 F 196,950.00
ZZ
SASS MAURICE F 360 196,817.85
1
730 FLORIDA STREET 8.000 1,445.15
65
7.750 1,445.15
303,000.00
ORLANDO FL 32806 5 01/26/96
00
0380367111 05 03/01/96
0
34110895 O 02/01/26
0
1
1480524 670/728 F 59,000.00
T
KANE KENNETH W 360 58,962.38
1
2000 COCO PLUM DRIVE 8.250 443.25
65
8.000 443.25
91,000.00
MARATHON FL 33050 1 01/25/96
00
0380365214 06 03/01/96
0
34111603 O 02/01/26
0
1480525 670/728 F 320,000.00
ZZ
VARTERESSIAN SEVAN 360 320,000.00
1
15505 EARLHAM STREET 7.625 2,264.94
80
7.375 2,264.94
400,000.00
PACIFIC PALISAD CA 90272 1 01/30/96
00
0380365230 05 04/01/96
0
34112553 O 03/01/26
0
1480528 670/728 F 348,000.00
ZZ
EVANS KIRK S 360 347,748.12
1
9281 SHADWELL LANE 7.625 2,463.13
54
7.375 2,463.13
650,000.00
HUNTINGTON BEAC CA 92646 2 01/22/96
00
0380365297 09 03/01/96
0
34115200 O 02/01/26
0
1480531 670/728 F 141,000.00
ZZ
LORANCE SUYEYO S 360 140,900.48
1
2661 PUNINONI STREET 7.750 1,010.15
49
7.500 1,010.15
290,000.00
WAHIAWA HI 96786 2 01/22/96
00
0380365347 05 03/01/96
0
34116974 O 02/01/26
0
1480533 670/728 F 258,000.00
ZZ
BAEZA, JR RUBEN 360 257,822.44
1
3222 YELLOWTAIL DRIVE 7.875 1,870.68
88
7.625 1,870.68
295,000.00
LOS ALAMITOS CA 90720 2 01/24/96
10
0380365388 05 03/01/96
25
34119124 O 02/01/26
0
1480536 670/728 F 78,700.00
ZZ
MARLOW MARK S 360 78,644.45
1
1
7609 113TH 1/2 AVENUE NORTH 7.750 563.82
70
7.500 563.82
112,500.00
CHAMPLIN MN 55316 2 01/17/96
00
0380365420 05 03/01/96
0
34121714 O 02/01/26
0
1480539 670/728 F 280,400.00
ZZ
GIBSON II ROBERT P 360 280,197.05
1
65 BALD HILL ROAD 7.625 1,984.66
75
7.375 1,984.66
373,900.00
HOLLISTON MA 01746 1 01/31/96
00
0380365479 05 03/01/96
0
34123504 O 02/01/26
0
1480553 670/728 F 180,000.00
ZZ
NUECHTERLEIN ROBERT P 360 179,869.72
1
810 NATHAN HALE DRIVE 7.625 1,274.03
75
7.375 1,274.03
243,000.00
WEST CHESTER PA 19382 1 01/26/96
00
0380365685 05 03/01/96
0
34131400 O 02/01/26
0
1480556 670/728 F 215,100.00
ZZ
KISTINGER JAMES 360 214,955.67
1
17432 IRELAND LANE 8.000 1,578.33
90
7.750 1,578.33
239,000.00
HUNTINGTON BEAC CA 92647 1 01/23/96
12
0380365727 05 03/01/96
25
34136223 O 02/01/26
0
1480557 670/728 F 142,800.00
ZZ
FRYE DENISE L 360 142,706.58
1
1206 DELANEY AVENUE 8.125 1,060.29
70
7.875 1,060.29
204,000.00
ORLANDO FL 32806 1 01/25/96
00
0380365743 05 03/01/96
0
34138994 O 02/01/26
0
1480558 670/728 F 70,000.00
ZZ
GORHAM GAYLON D 360 69,951.83
1
759 WEST GALATEA STREET 7.875 507.55
46
7.625 507.55
155,000.00
GLENDORA CA 91740 5 01/26/96
00
0380365768 05 03/01/96
0
1
34139010 O 02/01/26
0
1480559 670/728 F 108,875.00
ZZ
SHYONG JACK 360 108,798.15
1
1205 EAST PHILLIPS PLACE 7.750 780.00
65
7.500 780.00
167,500.00
LITTLETON CO 80122 1 01/25/96
00
0380365784 09 03/01/96
0
34139591 O 02/01/26
0
1480562 670/728 F 460,000.00
ZZ
VOLK STEVEN B 360 459,667.07
1
3805 NORWOOD COURT 7.625 3,255.85
80
7.375 3,255.85
575,000.00
BOULDER CO 80304 5 01/31/96
00
0380365834 03 03/01/96
0
34141936 O 02/01/26
0
1480571 670/728 F 322,500.00
ZZ
COLLIER WILLIAM D 360 322,500.00
1
114 VIA DI ROMA WALK 7.625 2,282.64
75
7.375 2,282.64
430,000.00
LONG BEACH CA 90803 1 02/01/96
00
0380365966 05 04/01/96
0
34160485 O 03/01/26
0
1480573 670/728 F 458,000.00
ZZ
GRAY JIMMIE L 360 458,000.00
1
386 LOOKOUT DRIVE 7.875 3,320.82
75
7.625 3,320.82
615,000.00
LAGUNA BEACH CA 92651 2 02/06/96
00
0380365990 05 04/01/96
0
34170472 O 03/01/26
0
1480578 670/670 F 336,000.00
ZZ
PINGITORE GEORGE T 360 335,750.63
1
36622 N LAZY LANE 7.500 2,349.37
80
7.250 2,349.37
420,000.00
CAREFREE AZ 85377 1 01/31/96
00
523810 05 03/01/96
0
523810 O 02/01/26
0
1
1480585 670/670 F 532,000.00
ZZ
JONES PETER 360 531,637.93
1
5 POMPANO ROAD 7.930 3,877.70
80
7.680 3,877.70
665,000.00
RUMSON NJ 07760 1 01/30/96
00
2950529 05 03/01/96
0
2950529 O 02/01/26
0
1480586 670/670 F 355,810.00
ZZ
ATLAS ALAN G 360 355,549.87
1
29514 OCEANPORT ROAD 7.575 2,506.18
80
7.325 2,506.18
450,000.00
RANCHO PALOS VE CA 90275 2 01/25/96
00
2959615 05 03/01/96
0
2959615 O 02/01/26
0
1480588 670/670 F 1,000,000.00
ZZ
WEISS GEORGE D 360 999,378.44
1
8 HOLLOW BROOK ROAD 8.375 7,600.73
75
8.125 7,600.73
1,350,000.00
TEWKSBURY NJ 07830 5 01/16/96
00
5240832 05 03/01/96
0
5240832 O 02/01/26
0
1480593 670/670 F 120,000.00
ZZ
LARA JUAN 360 119,910.94
1
4085 WEEPING WILLOW DRIVE 7.500 839.06
44
7.250 839.06
275,000.00
MOORPARK CA 93021 1 01/29/96
00
11388013 05 03/01/96
0
11388013 O 02/01/26
0
1480620 670/728 F 108,000.00
ZZ
FELIX JESUS 360 107,936.23
1
383 MICHIGAN AVENUE 8.625 840.02
75
8.375 840.02
144,000.00
PATERSON NJ 07503 1 01/22/96
00
0380366238 05 03/01/96
0
34074597 O 02/01/26
0
1480622 670/670 F 172,500.00
ZZ
CATANZARO VINCENT 360 172,500.00
1
14 COVENTRY DRIVE 7.500 1,206.15
75
7.250 1,206.15
230,000.00
1
FREEHOLD NJ 07728 1 02/09/96
00
34078070 05 04/01/96
0
34078070 O 03/01/26
0
1480641 A13/728 F 239,900.00
ZZ
MILLER KEITH D 360 239,717.46
1
28773 PARK WOODLAND PLACE 7.375 1,656.93
80
SAUGUS AREA 7.125 1,656.93
299,900.00
LOS ANGELES CA 91350 1 01/24/96
00
0380361858 05 03/01/96
0
9600012 O 02/01/26
0
1480664 670/728 F 97,500.00
ZZ
BROWNING SANDRA T 360 97,384.45
1
2045 SOUTH PENINSULA DRIVE 8.625 758.35
65
8.375 758.35
150,000.00
DAYTONA BEACH FL 32118 5 12/22/95
00
0380366394 05 02/01/96
0
34053573 O 01/01/26
0
1480667 670/728 F 585,000.00
ZZ
FAGAN MICHAEL T 360 584,171.56
1
2975 SW MONTGOMERY DR 7.750 4,191.01
80
7.500 4,191.01
740,000.00
PORTLAND OR 97201 5 12/21/95
00
0380366436 05 02/01/96
0
34072748 O 01/01/26
0
1480715 051/728 F 123,000.00
ZZ
MARTINEZ STEVEN L 360 122,257.84
1
1212 EAST LE PARC DRIVE 8.125 913.27
95
7.875 913.27
129,500.00
FRESNO CA 93720 2 06/05/95
11
0380357245 05 08/01/95
30
10106620 O 07/01/25
0
1480716 744/728 F 400,000.00
ZZ
SCHULTE MICHAEL 360 400,000.00
1
665 IRONBARK CIRCLE 8.250 3,005.07
75
8.000 3,005.07
540,000.00
ORINDA CA 94563 2 02/15/96
00
0380370149 03 04/01/96
0
76479 O 03/01/26
0
1
1480764 731/728 F 245,000.00
ZZ
LIU MING S 360 245,000.00
1
1881 CARLISLE DRIVE 8.500 1,883.84
56
8.250 1,883.84
445,000.00
SAN MARINO CA 91108 2 02/14/96
00
0380363052 05 04/01/96
0
411111262 O 03/01/26
0
1480771 731/728 F 209,200.00
ZZ
VORDERKUNZ CHRISTOP W 360 209,200.00
1
2426 EAST WARD TERRACE 8.125 1,553.30
90
7.875 1,553.30
234,000.00
ANAHEIM CA 92806 2 02/14/96
12
0380362955 05 04/01/96
25
411510393 O 03/01/26
0
1480866 450/728 F 268,000.00
ZZ
COLE SHARON L 360 268,000.00
1
114 EDGEWATER DRIVE 8.250 2,013.39
78
8.000 2,013.39
345,000.00
MILPITAS CA 95035 2 02/05/96
00
0380362039 05 04/01/96
0
3965514 O 03/01/26
0
1480897 757/757 F 350,000.00
ZZ
SHAPIRO STEVEN L 360 350,000.00
1
18 CAPTAIN'S CROSSING 7.750 2,507.45
57
7.500 2,507.45
617,000.00
SAVANNAH GA 31411 2 02/16/96
00
2580801 03 04/01/96
0
2580801 O 03/01/26
0
1481035 822/728 F 250,000.00
ZZ
RORISTON ROBERT J 360 249,467.20
1
211 HOBART AVE 7.750 1,791.04
78
7.500 1,791.04
322,500.00
SHORT HILLS NJ 07078 1 11/01/95
00
0380361247 05 01/01/96
0
3516003537 O 12/01/25
0
1481128 757/757 F 240,000.00
ZZ
OVERBY JR CHARLES W 360 240,000.00
1
1
501 CAPTAIN DEXTER WYND 7.750 1,719.39
75
7.500 1,719.39
321,000.00
WILMINGTON NC 28405 5 02/16/96
00
2739746 03 04/01/96
0
2739746 O 03/01/26
0
1481765 385/385 F 263,407.25
ZZ
HARTMAN FRANK M 304 263,154.85
1
80 OLD FARM ROAD NORTH 8.375 2,090.76
54
8.125 2,090.76
495,000.00
CHAPPAQUA NY 10514 5 12/28/95
00
8520447 05 03/01/96
0
8520447 O 06/01/21
0
1481766 385/385 F 223,638.40
ZZ
RAMOS LUTGARDO C 345 223,482.59
1
853 GROVE STREET 8.375 1,716.62
88
8.125 1,716.62
257,000.00
CLIFTON NJ 07013 1 12/28/95
10
3637816 05 03/01/96
20
3637816 O 11/01/24
0
1481770 595/728 F 488,000.00
ZZ
VISSELL BARRY M 360 488,000.00
1
755 REDWOOD HEIGHTS ROAD 7.500 3,412.17
68
7.250 3,412.17
726,000.00
APTOS CA 95003 2 01/31/96
00
0380361361 05 04/01/96
0
6046437 O 03/01/26
0
1481771 595/728 F 85,000.00
ZZ
WILLIAMS JACQUELIN 360 85,000.00
1
13224 SLOPE CREST DRIVE 7.750 608.95
30
7.500 608.95
285,000.00
OAKLAND CA 94619 1 02/14/96
00
0380361411 05 04/01/96
0
6045140 O 03/01/26
0
1481777 439/728 F 245,000.00
ZZ
CAMPBELL MICHAEL J 360 245,000.00
1
8535 WEST 129TH PLACE 8.350 1,857.86
76
8.100 1,857.86
322,368.00
PALOS PARK IL 60464 2 02/02/96
00
0380362914 05 04/01/96
0
1
1823443 O 03/01/26
0
1481855 208/728 F 280,000.00
ZZ
WICKHAM ROBERT S 360 280,000.00
1
20 SAN JUAN RANCH ROAD 7.500 1,957.80
65
7.250 1,957.80
435,000.00
SANTA FE NM 87501 5 02/16/96
00
0380371402 05 04/01/96
0
33853 O 03/01/26
0
1481867 003/728 F 355,000.00
ZZ
MACCHIO VICTOR T 360 355,000.00
1
12235 MEADOWS LANE 7.375 2,451.90
73
7.125 2,451.90
488,000.00
ALPHARETTA GA 30202 2 02/21/96
00
0380371436 03 04/01/96
0
3640562 O 03/01/26
0
1482009 106/106 F 350,000.00
ZZ
ROMBAUER ROBERT B 360 349,759.13
1
850 COMMONWEALTH AVENUE 7.875 2,537.75
77
7.625 2,537.75
457,500.00
NEWTON MA 02159 1 01/16/96
00
99129627 05 03/01/96
0
99129627 O 02/01/26
0
1482016 106/106 F 288,000.00
ZZ
ROBINSON TIMOTHY H 360 287,806.75
1
426 BRIDGE STREET 8.000 2,113.25
73
7.750 2,113.25
396,000.00
HAMILTON MA 01982 2 01/25/96
00
9912106 05 03/01/96
0
9912106 O 02/01/26
0
1482024 A39/728 F 305,600.00
ZZ
MASTERS JIM 360 305,600.00
1
1678 SHADOW OAKS PLACE 7.750 2,189.36
90
7.500 2,189.36
340,000.00
THOUSAND OAKS CA 91362 2 02/16/96
14
0380362146 05 04/01/96
25
9500994 O 03/01/26
0
1
1482025 106/106 F 500,000.00
ZZ
FABIANO JOHN G 360 499,681.16
1
31 HOMEWOOD ROAD 8.250 3,756.34
62
8.000 3,756.34
807,000.00
NEWTON MA 02168 5 01/26/96
00
9912007 05 03/01/96
0
9912007 O 02/01/26
0
1482239 405/405 F 491,000.00
ZZ
MILLER MILTON W 360 491,000.00
1
107 DAVIT DRIVE 7.875 3,560.10
70
7.625 3,560.10
706,000.00
NORTH PALM BEAC FL 33408 2 02/12/96
00
3840907 05 04/01/96
0
3840907 O 03/01/26
0
1482348 A39/728 F 367,200.00
ZZ
NOSTAJA SCOTT 360 367,200.00
1
19854 DINA PLACE 8.000 2,694.38
80
7.750 2,694.38
459,000.00
CHATSWORTH CA 91311 1 02/23/96
00
0380362757 05 04/01/96
0
9600113 O 03/01/26
0
TOTAL NUMBER OF LOANS : 1,443
TOTAL ORIGINAL BALANCE : 425,162,960.45
TOTAL PRINCIPAL BALANCE : 424,466,573.98
TOTAL ORIGINAL P+I : 3,118,116.41
TOTAL CURRENT P+I : 3,118,116.41
***************************
* END OF REPORT *
***************************
RUN ON : 03/20/96 RFC DISCLOSURE SYSTEM
RFFSDFIX-01
AT : 06.19.41 FIXED PASSTHRU REPORT
AMORTIZED BALANCE
SERIES : RFMSI I 1996-S6
CUTOFF : 03/01/96
POOL : 0004198
:
:
POOL STATUS: F
RFC LOAN NUMBER SUB SERV FEE
PRINCIPAL BALANCE MSTR SERV FEE
ORIG RATE ALL EXP
RFC NET RATE MISC EXP
NET MTG RATE(INVSTR RATE) SPREAD
POST SPREAD RATE STRIP
- -----------------------------------------------------------------
- --------------
1403922 .2500
649,538.61 .0300
8.1250 .0000
7.8750 .0000
7.8450 .8450
7.0000 .0000
1432052 .2500
162,000.00 .0800
8.3750 .0000
8.1250 .0000
8.0450 1.0450
7.0000 .0000
1433820 .2500
208,958.27 .0300
9.0000 .0000
8.7500 .0000
8.7200 1.7200
7.0000 .0000
1437930 .2500
277,821.82 .0800
8.6250 .0000
8.3750 .0000
8.2950 1.2950
7.0000 .0000
1442476 .2500
597,198.62 .0800
7.7500 .0000
7.5000 .0000
7.4200 .4200
7.0000 .0000
1442586 .2500
317,600.35 .0300
8.6250 .0000
8.3750 .0000
8.3450 1.3450
7.0000 .0000
1
1443597 .2500
362,862.45 .0800
8.2500 .0000
8.0000 .0000
7.9200 .9200
7.0000 .0000
1444279 .2500
69,568.57 .0300
8.1250 .0000
7.8750 .0000
7.8450 .8450
7.0000 .0000
1444992 .2500
329,765.74 .0800
7.7500 .0000
7.5000 .0000
7.4200 .4200
7.0000 .0000
1445272 .2500
247,434.52 .0800
8.3750 .0000
8.1250 .0000
8.0450 1.0450
7.0000 .0000
1445986 .2500
328,570.54 .0300
8.5000 .0000
8.2500 .0000
8.2200 1.2200
7.0000 .0000
1446090 .2500
149,502.69 .0300
8.1250 .0000
7.8750 .0000
7.8450 .8450
7.0000 .0000
1447938 .2500
549,591.81 .0300
7.5000 .0000
7.2500 .0000
7.2200 .2200
7.0000 .0000
1448997 .2500
207,104.83 .0800
8.0000 .0000
7.7500 .0000
7.6700 .6700
7.0000 .0000
1
1449254 .2500
276,966.41 .0300
8.0000 .0000
7.7500 .0000
7.7200 .7200
7.0000 .0000
1451534 .2500
235,783.23 .0300
8.1250 .0000
7.8750 .0000
7.8450 .8450
7.0000 .0000
1452075 .2500
851,548.45 .0300
8.2500 .0000
8.0000 .0000
7.9700 .9700
7.0000 .0000
1452850 .2500
621,300.97 .0300
8.2500 .0000
8.0000 .0000
7.9700 .9700
7.0000 .0000
1453701 .2500
259,248.22 .0300
8.0000 .0000
7.7500 .0000
7.7200 .7200
7.0000 .0000
1454443 .2500
228,928.06 .0800
7.8750 .0000
7.6250 .0000
7.5450 .5450
7.0000 .0000
1454654 .2500
217,368.23 .0300
8.5000 .0000
8.2500 .0000
8.2200 1.2200
7.0000 .0000
1455070 .2500
249,663.40 .0300
8.0000 .0000
7.7500 .0000
7.7200 .7200
7.0000 .0000
1
1455288 .2500
274,952.57 .0300
8.3750 .0000
8.1250 .0000
8.0950 1.0950
7.0000 .0000
1456444 .2500
339,211.22 .0300
8.0000 .0000
7.7500 .0000
7.7200 .7200
7.0000 .0000
1456468 .2500
243,542.81 .0800
7.8750 .0000
7.6250 .0000
7.5450 .5450
7.0000 .0000
1456643 .2500
208,988.97 .0300
8.3750 .0000
8.1250 .0000
8.0950 1.0950
7.0000 .0000
1456695 .2500
253,283.66 .0800
8.3750 .0000
8.1250 .0000
8.0450 1.0450
7.0000 .0000
1456847 .2500
239,441.57 .0800
8.7500 .0000
8.5000 .0000
8.4200 1.4200
7.0000 .0000
1457537 .2500
238,906.42 .0300
8.2500 .0000
8.0000 .0000
7.9700 .9700
7.0000 .0000
1457539 .2500
225,462.04 .0300
8.2500 .0000
8.0000 .0000
7.9700 .9700
7.0000 .0000
1
1457661 .2500
232,111.85 .0800
7.8750 .0000
7.6250 .0000
7.5450 .5450
7.0000 .0000
1457879 .1250
280,964.06 .0800
7.9000 .0000
7.7750 .0000
7.6950 .6950
7.0000 .0000
1458186 .2500
205,878.38 .0300
8.6250 .0000
8.3750 .0000
8.3450 1.3450
7.0000 .0000
1458199 .2500
275,559.92 .0800
8.0000 .0000
7.7500 .0000
7.6700 .6700
7.0000 .0000
1458379 .2500
374,532.19 .0300
8.3750 .0000
8.1250 .0000
8.0950 1.0950
7.0000 .0000
1458486 .2500
103,065.80 .0800
8.6250 .0000
8.3750 .0000
8.2950 1.2950
7.0000 .0000
1459182 .2500
272,096.95 .0300
8.2500 .0000
8.0000 .0000
7.9700 .9700
7.0000 .0000
1459276 .2500
127,765.72 .0300
8.5000 .0000
8.2500 .0000
8.2200 1.2200
7.0000 .0000
1
1459728 .2500
247,158.22 .0300
7.8750 .0000
7.6250 .0000
7.5950 .5950
7.0000 .0000
1459730 .2500
374,748.38 .0300
8.0000 .0000
7.7500 .0000
7.7200 .7200
7.0000 .0000
1459912 .2500
309,000.00 .0300
8.2500 .0000
8.0000 .0000
7.9700 .9700
7.0000 .0000
1459917 .2500
291,896.36 .0800
7.8750 .0000
7.6250 .0000
7.5450 .5450
7.0000 .0000
1459921 .2500
216,775.22 .0800
7.8750 .0000
7.6250 .0000
7.5450 .5450
7.0000 .0000
1460207 .2500
95,139.29 .0300
8.2500 .0000
8.0000 .0000
7.9700 .9700
7.0000 .0000
1460222 .2500
256,827.55 .0300
8.0000 .0000
7.7500 .0000
7.7200 .7200
7.0000 .0000
1460533 .2500
332,587.78 .0800
8.2500 .0000
8.0000 .0000
7.9200 .9200
7.0000 .0000
1
1461042 .2500
201,245.52 .0300
8.5000 .0000
8.2500 .0000
8.2200 1.2200
7.0000 .0000
1461318 .2500
642,369.53 .0800
9.0000 .0000
8.7500 .0000
8.6700 1.6700
7.0000 .0000
1461335 .2500
331,777.23 .0300
8.0000 .0000
7.7500 .0000
7.7200 .7200
7.0000 .0000
1461414 .2500
925,693.80 .0300
8.3750 .0000
8.1250 .0000
8.0950 1.0950
7.0000 .0000
1461606 .2500
450,000.00 .0300
7.8750 .0000
7.6250 .0000
7.5950 .5950
7.0000 .0000
1461667 .2500
350,949.21 .0800
8.7500 .0000
8.5000 .0000
8.4200 1.4200
7.0000 .0000
1462192 .2500
210,019.67 .0800
8.3900 .0000
8.1400 .0000
8.0600 1.0600
7.0000 .0000
1462305 .2500
215,851.35 .0300
7.8750 .0000
7.6250 .0000
7.5950 .5950
7.0000 .0000
1
1462335 .2500
251,364.98 .0800
8.5000 .0000
8.2500 .0000
8.1700 1.1700
7.0000 .0000
1462338 .2500
219,531.15 .0800
7.7500 .0000
7.5000 .0000
7.4200 .4200
7.0000 .0000
1462359 .2500
235,657.15 .0300
8.5000 .0000
8.2500 .0000
8.2200 1.2200
7.0000 .0000
1462403 .2500
565,610.49 .0300
7.8750 .0000
7.6250 .0000
7.5950 .5950
7.0000 .0000
1462411 .2500
285,661.08 .0300
8.6250 .0000
8.3750 .0000
8.3450 1.3450
7.0000 .0000
1462571 .2500
750,000.00 .0300
8.2500 .0000
8.0000 .0000
7.9700 .9700
7.0000 .0000
1462606 .2500
345,849.37 .0300
8.3750 .0000
8.1250 .0000
8.0950 1.0950
7.0000 .0000
1462756 .2500
138,665.94 .0300
8.5000 .0000
8.2500 .0000
8.2200 1.2200
7.0000 .0000
1
1462886 .2500
525,000.00 .0300
8.3750 .0000
8.1250 .0000
8.0950 1.0950
7.0000 .0000
1463125 .2500
315,854.82 .0300
8.0000 .0000
7.7500 .0000
7.7200 .7200
7.0000 .0000
1463318 .2500
359,752.25 .0300
7.8750 .0000
7.6250 .0000
7.5950 .5950
7.0000 .0000
1463898 .2500
873,398.46 .0300
8.5000 .0000
8.2500 .0000
8.2200 1.2200
7.0000 .0000
1463955 .2500
289,032.71 .0300
9.0000 .0000
8.7500 .0000
8.7200 1.7200
7.0000 .0000
1463987 .2500
219,379.15 .0300
8.0000 .0000
7.7500 .0000
7.7200 .7200
7.0000 .0000
1464404 .2500
119,925.41 .0300
8.3750 .0000
8.1250 .0000
8.0950 1.0950
7.0000 .0000
1464468 .2500
374,741.93 .0300
7.8750 .0000
7.6250 .0000
7.5950 .5950
7.0000 .0000
1
1464478 .2500
297,794.92 .0300
7.8750 .0000
7.6250 .0000
7.5950 .5950
7.0000 .0000
1464489 .2500
224,852.82 .0300
8.1250 .0000
7.8750 .0000
7.8450 .8450
7.0000 .0000
1464619 .2500
232,478.53 .0300
7.8750 .0000
7.6250 .0000
7.5950 .5950
7.0000 .0000
1464853 .2500
179,879.22 .0300
8.0000 .0000
7.7500 .0000
7.7200 .7200
7.0000 .0000
1464951 .2500
619,624.40 .0300
8.5000 .0000
8.2500 .0000
8.2200 1.2200
7.0000 .0000
1465115 .2500
95,937.20 .0300
8.1250 .0000
7.8750 .0000
7.8450 .8450
7.0000 .0000
1465187 .2500
214,785.48 .0300
8.2500 .0000
8.0000 .0000
7.9700 .9700
7.0000 .0000
1465213 .2500
632,464.45 .0300
7.8750 .0000
7.6250 .0000
7.5950 .5950
7.0000 .0000
1
1465286 .2500
234,699.26 .0300
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531,637.93 .0800
7.9300 .0000
7.6800 .0000
7.6000 .6000
7.0000 .0000
1
1480586 .2500
355,549.87 .0800
7.5750 .0000
7.3250 .0000
7.2450 .2450
7.0000 .0000
1480588 .2500
999,378.44 .0800
8.3750 .0000
8.1250 .0000
8.0450 1.0450
7.0000 .0000
1480593 .2500
119,910.94 .0800
7.5000 .0000
7.2500 .0000
7.1700 .1700
7.0000 .0000
1480620 .2500
107,936.23 .0300
8.6250 .0000
8.3750 .0000
8.3450 1.3450
7.0000 .0000
1480622 .2500
172,500.00 .0800
7.5000 .0000
7.2500 .0000
7.1700 .1700
7.0000 .0000
1480641 .2500
239,717.46 .0300
7.3750 .0000
7.1250 .0000
7.0950 .0950
7.0000 .0000
1480664 .2500
97,384.45 .0300
8.6250 .0000
8.3750 .0000
8.3450 1.3450
7.0000 .0000
1480667 .2500
584,171.56 .0300
7.7500 .0000
7.5000 .0000
7.4700 .4700
7.0000 .0000
1
1480715 .2500
122,257.84 .0300
8.1250 .0000
7.8750 .0000
7.8450 .8450
7.0000 .0000
1480716 .2500
400,000.00 .0300
8.2500 .0000
8.0000 .0000
7.9700 .9700
7.0000 .0000
1480764 .2500
245,000.00 .0300
8.5000 .0000
8.2500 .0000
8.2200 1.2200
7.0000 .0000
1480771 .2500
209,200.00 .0300
8.1250 .0000
7.8750 .0000
7.8450 .8450
7.0000 .0000
1480866 .2500
268,000.00 .0300
8.2500 .0000
8.0000 .0000
7.9700 .9700
7.0000 .0000
1480897 .2500
350,000.00 .0800
7.7500 .0000
7.5000 .0000
7.4200 .4200
7.0000 .0000
1481035 .2500
249,467.20 .0300
7.7500 .0000
7.5000 .0000
7.4700 .4700
7.0000 .0000
1481128 .2500
240,000.00 .0800
7.7500 .0000
7.5000 .0000
7.4200 .4200
7.0000 .0000
1
1481765 .2500
263,154.85 .0800
8.3750 .0000
8.1250 .0000
8.0450 1.0450
7.0000 .0000
1481766 .2500
223,482.59 .0800
8.3750 .0000
8.1250 .0000
8.0450 1.0450
7.0000 .0000
1481770 .2500
488,000.00 .0300
7.5000 .0000
7.2500 .0000
7.2200 .2200
7.0000 .0000
1481771 .2500
85,000.00 .0300
7.7500 .0000
7.5000 .0000
7.4700 .4700
7.0000 .0000
1481777 .2500
245,000.00 .0300
8.3500 .0000
8.1000 .0000
8.0700 1.0700
7.0000 .0000
1481855 .2500
280,000.00 .0300
7.5000 .0000
7.2500 .0000
7.2200 .2200
7.0000 .0000
1481867 .2500
355,000.00 .0300
7.3750 .0000
7.1250 .0000
7.0950 .0950
7.0000 .0000
1482009 .2500
349,759.13 .0800
7.8750 .0000
7.6250 .0000
7.5450 .5450
7.0000 .0000
1
1482016 .2500
287,806.75 .0800
8.0000 .0000
7.7500 .0000
7.6700 .6700
7.0000 .0000
1482024 .2500
305,600.00 .0300
7.7500 .0000
7.5000 .0000
7.4700 .4700
7.0000 .0000
1482025 .2500
499,681.16 .0800
8.2500 .0000
8.0000 .0000
7.9200 .9200
7.0000 .0000
1482239 .2500
491,000.00 .0800
7.8750 .0000
7.6250 .0000
7.5450 .5450
7.0000 .0000
1482348 .2500
367,200.00 .0300
8.0000 .0000
7.7500 .0000
7.7200 .7200
7.0000 .0000
TOTAL NUMBER OF LOANS: 1443
TOTAL BALANCE........: 424,466,573.98
1
RUN ON : 03/20/96 RFC DISCLOSURE SYSTEM
RFFSDFIX-01
AT : 06.19.41 INITIAL SECURITY FEES
AMORTIZED BALANCE
SERIES : RFMSI I 1996-S6 FIXED SUMMARY REPORT
CUTOFF : 03/01/96
POOL : 0004198
:
:
POOL STATUS: F
WEIGHTED AVERAGES FROM
TO
- -----------------------------------------------------------------
- --------------
ORIG RATE 7.9770 7.3750
10.2500
RFC NET RATE 7.7096 7.1250
10.0000
NET MTG RATE(INVSTR RATE) 7.6553 7.0450
9.9200
POST SPREAD RATE 7.0000 7.0000
7.0000
SUB SERV FEE .2673 .1250
2.3750
MSTR SERV FEE .0543 .0300
.0800
ALL EXP .0000 .0000
.0000
MISC EXP .0000 .0000
.0000
SPREAD .6553 .0450
2.9200
STRIP .0000 .0000
.0000
TOTAL NUMBER OF LOANS: 1443
TOTAL BALANCE........: 424,466,573.98
***************************
* END OF REPORT *
***************************
EXHIBIT G
FORM OF SELLER/SERVICER CONTRACT
This Seller/Servicer Contract (as may be amended,
supplemented or otherwise modified from time to time,
this "Contract") is made this _________ day of _______,
19____, by and between Residential Funding Corporation,
its successors and assigns ("Residential Funding") and
_____________________ (the "Seller/Servicer," and,
together with Residential Funding, the "parties" and
each, individually, a "party").
WHEREAS, the Seller/Servicer desires to sell Loans
to, and/or service Loans for, Residential Funding, and
Residential Funding desires to purchase Loans from the
Seller/Servicer and/or have the Seller/Servicer service
various of its Loans, pursuant to the terms of this
Contract and the Residential Funding Seller and
Servicer Guides incorporated herein by reference, as
amended, supplemented or otherwise modified, from time
to time (together, the "Guides").
NOW, THEREFORE, in consideration of the premises,
and the terms, conditions and agreements set forth
below, the parties agree as follows:
1. Incorporation of Guides by Reference.
The Seller/Servicer acknowledges that it has
received and read the Guides. All provisions of the
Guides are incorporated by reference into and made a
part of this Contract, and shall be binding upon the
parties; provided, however, that the Seller/Servicer
shall be entitled to sell Loans to and/or service Loans
for Residential Funding only if and for so long as it
shall have been authorized to do so by Residential
Funding in writing. Specific reference in this
Contract to particular provisions of the Guides and not
to other provisions does not mean that those provisions
of the Guides not specifically cited in this Contract
are not applicable. All terms used herein shall have
the same meanings as such terms have in the Guides,
unless the context clearly requires otherwise.
2. Amendments.
This Contract may not be amended or modified
orally, and no provision of this Contract may be waived
or amended except in writing signed by the party
against whom enforcement is sought. Such a written
waiver or amendment must expressly reference this
Contract. However, by their terms, the Guides may be
amended or supplemented by Residential Funding from
time to time. Any such amendment(s) to the Guides
shall be binding upon the parties hereto.
3. Representations and Warranties.
a. Reciprocal Representations and Warranties.
The Seller/Servicer and Residential Funding
each represents and warrants to the other that as of
the date of this Contract:
(1) Each party is duly organized, validly
existing, and in good standing under the
laws of its jurisdiction of
organization, is qualified, if
necessary, to do business and in good
standing in each jurisdiction in which
it is required to be so qualified, and
has the requisite power and authority to
enter into this Contract and all other
agreements which are contemplated by
this Contract and to carry out its
obligations hereunder and under the
Guides and under such other agreements.
(2) This Contract has been duly authorized,
executed and delivered by each party and
constitutes a valid and legally binding
agreement of each party enforceable in
accordance with its terms.
(3) There is no action, proceeding or
investigation pending or threatened, and
no basis therefor is known to either
party, that could affect the validity or
prospective validity of this Contract.
(4) Insofar as its capacity to carry out any
obligation under this Contract is
concerned, neither party is in violation
of any charter, articles of
incorporation, bylaws, mortgage,
indenture, indebtedness, agreement,
instrument, judgment, decree, order,
statute, rule or regulation and none of
the foregoing adversely affects its
capacity to fulfill any of its
obligations under this Contract. Its
execution of, and performance pursuant
to, this Contract will not result in a
violation of any of the foregoing.
b. Seller/Servicer's Representations, Warranties
and Covenants.
In addition to the representations,
warranties and covenants made by the
Seller/Servicer pursuant to subparagraph (a)
of this paragraph 3, the Seller/Servicer
makes the representations, warranties and
covenants set forth in the Guides and, upon
request, agrees to deliver to Residential
Funding the certified Resolution of Board of
Directors which authorizes the execution and
delivery of this Contract.
4. Remedies of Residential Funding.
If an Event of Seller Default or an Event of
Servicer Default shall occur, Residential Funding may,
at its option, exercise one or more of those remedies
set forth in the Guides.
5. Seller/Servicer's Status as Independent
Contractor.
At no time shall the Seller/Servicer represent
that it is acting as an agent of Residential Funding.
The Seller/Servicer shall, at all times, act as an
independent contractor.
6. Prior Agreements Superseded.
This Contract restates, amends and supersedes any
and all prior Seller Contracts or Servicer Contracts
between the parties except that any subservicing
agreement executed by the Seller/Servicer in connection
with any loan-security exchange transaction shall not
be affected.
7. Assignment.
This Contract may not be assigned or transferred,
in whole or in part, by the Seller/Servicer without the
prior written consent of Residential Funding.
Residential Funding may sell, assign, convey,
hypothecate, pledge or in any other way transfer, in
whole or in part, without restriction, its rights under
this Contract and the Guides with respect to any
Commitment or Loan.
8. Notices.
All notices, requests, demands or other
communications that are to be given under this Contract
shall be in writing, addressed to the appropriate
parties and sent by telefacsimile or by overnight
courier or by United States mail, postage prepaid, to
the addresses and telefacsimile numbers specified
below. However, another name, address and/or
telefacsimile number may be substituted by the
Seller/Servicer pursuant to the requirements of this
paragraph 8, or Residential Funding pursuant to an
amendment to the Guides.
If to Residential Funding, notices must be sent to the
appropriate address or telefacsimile number specified
in the Guides.
If to the Seller/Servicer, notice must be sent to:
Attention:
Telefacsimile Number: (___) ___-____
9. Jurisdiction and Venue.
Each of the parties irrevocably submits to the
jurisdiction of any state or federal court located in
Hennepin County, Minnesota, over any action, suit or
proceeding to enforce or defend any right under this
Contract or otherwise arising from any loan sale or
servicing relationship existing in connection with this
Contract, and each of the parties irrevocably agrees
that all claims in respect of any such action or
proceeding may be heard or determined in such state or
federal court. Each of the parties irrevocably waives
the defense of an inconvenient forum to the maintenance
of any such action or proceeding and any other
substantive or procedural rights or remedies it may
have with respect to the maintenance of any such action
or proceeding in any such forum. Each of the parties
agrees that a final judgment in any such action or
proceeding shall be conclusive and may be enforced in
any other jurisdiction by suit on the judgment or in
any other manner provided by law. Each of the parties
further agrees not to institute any legal actions or
proceedings against the other party or any director,
officer, employee, attorney, agent or property of the
other party, arising out of or relating to this
Contract in any court other than as hereinabove
specified in this paragraph 9.
10. Miscellaneous.
This Contract, including all documents
incorporated by reference herein, constitutes the
entire understanding between the parties hereto and
supersedes all other agreements, covenants,
representations, warranties, understandings and
communications between the parties, whether written or
oral, with respect to the transactions contemplated by
this Contract. All paragraph headings contained herein
are for convenience only and shall not be construed as
part of this Contract. Any provision of this Contract
that is prohibited or unenforceable in any jurisdiction
shall, as to such jurisdiction, be ineffective to the
extent of such prohibition or unenforceability without
invalidating the remaining portions hereof or affecting
the validity or enforceability of such provision in any
other jurisdiction, and, to this end, the provisions
hereof are severable. This Contract shall be governed
by, and construed and enforced in accordance with,
applicable federal laws and the laws of the State of
Minnesota.
IN WITNESS WHEREOF, the duly authorized officers
of the Seller/Servicer and Residential Funding have
executed this Seller/Servicer Contract as of the date
first above written.
ATTEST: SELLER/SERVICER
[Corporate Seal]
(Name of
Seller/Servicer)
By: By:
(Signature) (Signature)
By:
(Typed Name) (Typed Name)
Title: Title:
ATTEST: RESIDENTIAL FUNDING
CORPORATION
By: By:
(Signature) (Signature)
By:
(Typed Name) (Typed Name)
Title: Title:
EXHIBIT H
FORMS OF REQUEST FOR RELEASE
DATE:
TO:
RE: REQUEST FOR RELEASE OF DOCUMENTS
In connection with the administration of the pool of
Mortgage Loans held by you for the referenced pool, we
request the release of the Mortgage Loan File described
below.
Pooling and Servicing Agreement Dated:
Series#:
Account#:
Pool#:
Loan#:
Borrower Name(s):
Reason for Document Request: (circle one) Mortgage
Loan Prepaid in Full
Mortgage Loan
Repurchased
"We hereby certify that all amounts received or to be
received in connection with such payments which are
required to be deposited have been or will be so
deposited as provided in the Pooling and Servicing
Agreement."
Residential Funding Corporation
Authorized Signature
*******************************************************
*********
TO CUSTODIAN/TRUSTEE: Please acknowledge this request,
and check off documents being enclosed with a copy of
this form. You should retain this form for your files
in accordance with the terms of the Pooling and
Servicing Agreement.
Enclosed Documents: [ ] Promissory Note
[ ] Primary Insurance
Policy
[ ] Mortgage or Deed of
Trust
[ ] Assignment(s) of
Mortgage or Deed of Trust
[ ] Title Insurance
Policy
[ ] Other:
Name
Title
Date
EXHIBIT I-1
FORM OF TRANSFER AFFIDAVIT AND AGREEMENT
STATE OF )
: ss.:
COUNTY OF )
[NAME OF OFFICER], being first duly sworn,
deposes and says:
1. That he is [Title of Officer] of [Name of
Owner] (record or beneficial owner of the Mortgage
Pass-Through Certificates, Series 1996-S6, Class R (the
"Owner")), a [savings institution] [corporation] duly
organized and existing under the laws of [the State of
__________________] [the United States], on behalf of
which he makes this affidavit and agreement.
2. That the Owner (i) is not and will not be
a "disqualified organization" as of [date of transfer]
within the meaning of Section 860E(e)(5) of the
Internal Revenue Code of 1986, as amended (the "Code"),
(ii) will endeavor to remain other than a disqualified
organization for so long as it retains its ownership
interest in the Class [R-I][R-II] Certificates, and
(iii) is acquiring the Class [R-I][R-II] Certificates
for its own account or for the account of another Owner
from which it has received an affidavit and agreement
in substantially the same form as this affidavit and
agreement. (For this purpose, a "disqualified
organization" means the United States, any state or
political subdivision thereof, any agency or
instrumentality of any of the foregoing (other than an
instrumentality all of the activities of which are
subject to tax and, except for the Federal Home Loan
Mortgage Corporation, a majority of whose board of
directors is not selected by any such governmental
entity) or any foreign government, international
organization or any agency or instrumentality of such
foreign government or organization, any rural electric
or telephone cooperative, or any organization (other
than certain farmers' cooperatives) that is generally
exempt from federal income tax unless such organization
is subject to the tax on unrelated business taxable
income).
3. That the Owner is aware (i) of the tax
that would be imposed on transfers of Class [R-I][R-II]
Certificates to disqualified organizations under the
Code, that applies to all transfers of Class
[R-I][R-II] Certificates after March 31, 1988; (ii)
that such tax would be on the transferor, or, if such
transfer is through an agent (which person includes a
broker, nominee or middleman) for a disqualified
organization, on the agent; (iii) that the person
otherwise liable for the tax shall be relieved of
liability for the tax if the transferee furnishes to
such person an affidavit that the transferee is not a
disqualified organization and, at the time of transfer,
such person does not have actual knowledge that the
affidavit is false; and (iv) that the Class [R-I][R-II]
Certificates may be "noneconomic residual interests"
within the meaning of Treasury regulations promulgated
pursuant to the Code and that the transferor of a
noneconomic residual interest will remain liable for
any taxes due with respect to the income on such
residual interest, unless no significant purpose of the
transfer was to impede the assessment or collection of
tax.
4. That the Owner is aware of the tax
imposed on a "pass-through entity" holding Class
[R-I][R-II] Certificates if at any time during the
taxable year of the pass-through entity a disqualified
organization is the record holder of an interest in
such entity. (For this purpose, a "pass through
entity" includes a regulated investment company, a real
estate investment trust or common trust fund, a
partnership, trust or estate, and certain
cooperatives.)
5. The Purchaser is not an employee benefit
plan or other plan subject to the prohibited
transaction provisions of the Employee Retirement
Income Security Act of 1974, as amended ("ERISA"), or
Section 4975 of the Internal Revenue Code of 1986, as
amended (the "Code"), or an investment manager, named
fiduciary or a trustee of any such plan, or any other
Person acting, directly or indirectly, on behalf of or
purchasing any Certificate with "plan assets" of any
such plan.
6. That the Owner is aware that the Trustee
will not register the transfer of any Class [R-I][R-II]
Certificates unless the transferee, or the transferee's
agent, delivers to it an affidavit and agreement, among
other things, in substantially the same form as this
affidavit and agreement. The Owner expressly agrees
that it will not consummate any such transfer if it
knows or believes that any of the representations
contained in such affidavit and agreement are false.
7. That the Owner has reviewed the
restrictions set forth on the face of the Class
[R-I][R-II] Certificates and the provisions of Section
5.02(f) of the Pooling and Servicing Agreement under
which the Class [R-I][R-II] Certificates were issued
(in particular, clause (iii)(A) and (iii)(B) of Section
5.02(f) which authorize the Trustee to deliver payments
to a person other than the Owner and negotiate a
mandatory sale by the Trustee in the event the Owner
holds such Certificates in violation of Section
5.02(f)). The Owner expressly agrees to be bound by
and to comply with such restrictions and provisions.
8. That the Owner consents to any additional
restrictions or arrangements that shall be deemed
necessary upon advice of counsel to constitute a
reasonable arrangement to ensure that the Class
[R-I][R-II] Certificates will only be owned, directly
or indirectly, by an Owner that is not a disqualified
organization.
9. The Owner's Taxpayer Identification
Number is ______________.
10. This affidavit and agreement relates
only to the Class [R-I][R-II] Certificates held by the
Owner and not to any other holder of the Class
[R-I][R-II] Certificates. The Owner understands that
the liabilities described herein relate only to the
Class [R-I][R-II] Certificates.
11. That no purpose of the Owner relating to
the transfer of any of the Class [R-I][R-II]
Certificates by the Owner is or will be to impede the
assessment or collection of any tax.
12. That the Owner has no present knowledge
or expectation that it will be unable to pay any United
States taxes owed by it so long as any of the
Certificates remain outstanding. In this regard, the
Owner hereby represents to and for the benefit of the
person from whom it acquired the Class [R-I][R-II]
Certificate that the Owner intends to pay taxes
associated with holding such Class [R-I][R-II]
Certificate as they become due, fully understanding
that it may incur tax liabilities in excess of any cash
flows generated by the Class [R-I][R-II] Certificate.
13. That the Owner has no present knowledge
or expectation that it will become insolvent or subject
to a bankruptcy proceeding for so long as any of the
Class [R-I][R-II] Certificates remain outstanding.
14. The Owner is a citizen or resident of
the United States, a corporation, partnership or other
entity created or organized in, or under the laws of,
the United States or any political subdivision thereof,
or an estate or trust whose income from sources without
the United States is includible in gross income for
United States federal income tax purposes regardless of
its connection with the conduct of a trade or business
within the United States.
IN WITNESS WHEREOF, the Owner has caused this
instrument to be executed on its behalf, pursuant to
the authority of its Board of Directors, by its [Title
of Officer] and its corporate seal to be hereunto
attached, attested by its [Assistant] Secretary, this
____ day of _______________, 199__.
[NAME OF OWNER]
By:
[Name of Officer]
[Title of Officer]
[Corporate Seal]
ATTEST:
[Assistant] Secretary
Personally appeared before me the above-named
[Name of Officer], known or proved to me to be the same
person who executed the foregoing instrument and to be
the [Title of Officer] of the Owner, and acknowledged
to me that he executed the same as his free act and
deed and the free act and deed of the Owner.
Subscribed and sworn before me this ____ day
of ________________, 199__.
NOTARY PUBLIC
COUNTY OF
STATE OF
My Commission expires the
____ day of
_______________, 19__.
EXHIBIT I-2
FORM OF TRANSFEROR CERTIFICATE
__________________, 19__
Residential Funding Mortgage
Securities I, Inc.
8400 Normandale Lake Boulevard
Suite 600
Minneapolis, Minnesota 55437
The First National Bank of Chicago
One North State Street
Chicago, Illinois 60602
Attention: Residential Funding Corporation Series
1996-S6
Re: Mortgage Pass-Through Certificates,
Series 1996-S6, Class [R-I][R-II]
Ladies and Gentlemen:
This letter is delivered to you in connection
with the transfer by _______________________________
(the "Seller") to _______________________________ (the
"Purchaser") of $_____________ Initial Certificate
Principal Balance of Mortgage Pass-Through
Certificates, Series 1996-S6, Class [R-I][R-II] (the
"Certificates"), pursuant to Section 5.02 of the
Pooling and Servicing Agreement (the "Pooling and
Servicing Agreement"), dated as of March 1, 1996 among
Residential Funding Mortgage Securities I, Inc., as
seller (the "Company"), Residential Funding
Corporation, as master servicer, and The First National
Bank of Chicago, as trustee (the "Trustee"). All terms
used herein and not otherwise defined shall have the
meanings set forth in the Pooling and Servicing
Agreement. The Seller hereby certifies, represents and
warrants to, and covenants with, the Company and the
Trustee that:
1. No purpose of the Seller relating to the
transfer of the Certificate by the Seller to the
Purchaser is or will be to impede the assessment or
collection of any tax.
2. The Seller understands that the
Purchaser has delivered to the Trustee and the Master
Servicer a transfer affidavit and agreement in the form
attached to the Pooling and Servicing Agreement as
Exhibit I-1. The Seller does not know or believe that
any representation contained therein is false.
3. The Seller has at the time of the
transfer conducted a reasonable investigation of the
financial condition of the Purchaser as contemplated by
Treasury Regulations Section 1.860E-1(c)(4)(i) and, as
a result of that investigation, the Seller has
determined that the Purchaser has historically paid its
debts as they become due and has found no significant
evidence to indicate that the Purchaser will not
continue to pay its debts as they become due in the
future. The Seller understands that the transfer of a
Class [R-I][R-II] Certificate may not be respected for
United States income tax purposes (and the Seller may
continue to be liable for United States income taxes
associated therewith) unless the Seller has conducted
such an investigation.
4. The Seller has no actual knowledge that
the proposed Transferee is not both a United States
Person and a Permitted Transferee.
Very truly yours,
(Seller)
By:
Name:
Title:
EXHIBIT J
FORM OF INVESTOR REPRESENTATION LETTER
______________, 19__
Residential Funding Mortgage
Securities I, Inc.
8400 Normandale Lake Boulevard
Suite 600
Minneapolis, MN 55437
The First National Bank of Chicago
One North State Street
Chicago, Illinois 60602
Attention: Residential Funding Corporation Series
1996-S6
RE: Mortgage Pass-Through Certificates,
Series 1996-S6, [Class A-9] [Class B-]
Ladies and Gentlemen:
_________________________ (the "Purchaser")
intends to purchase from ___________________________
(the "Seller") $_____________ Initial Certificate
Principal Balance of Mortgage Pass-Through
Certificates, Series 1996-S6, Class __ (the
"Certificates"), issued pursuant to the Pooling and
Servicing Agreement (the "Pooling and Servicing
Agreement"), dated as of March 1, 1996 among
Residential Funding Mortgage Securities I, Inc., as
seller (the "Company"), Residential Funding
Corporation, as master servicer, and The First National
Bank of Chicago, as trustee (the "Trustee"). All terms
used herein and not otherwise defined shall have the
meanings set forth in the Pooling and Servicing
Agreement. The Purchaser hereby certifies, represents
and warrants to, and covenants with, the Company and
the Trustee that:
1. The Purchaser understands that
(a) the Certificates have not been and will
not be registered or qualified under the
Securities Act of 1933, as amended (the
"Act") or any state securities law, (b) the
Company is not required to so register or
qualify the Certificates, (c) the
Certificates may be resold only if registered
and qualified pursuant to the provisions of
the Act or any state securities law, or if an
exemption from such registration and
qualification is available, (d) the Pooling
and Servicing Agreement contains restrictions
regarding the transfer of the Certificates
and (e) the Certificates will bear a legend
to the foregoing effect.
2. The Purchaser is acquiring the
Certificates for its own account for
investment only and not with a view to or for
sale in connection with any distribution
thereof in any manner that would violate the
Act or any applicable state securities laws.
3. The Purchaser is (a) a
substantial, sophisticated institutional
investor having such knowledge and experience
in financial and business matters, and, in
particular, in such matters related to
securities similar to the Certificates, such
that it is capable of evaluating the merits
and risks of investment in the Certificates,
(b) able to bear the economic risks of such
an investment and (c) an "accredited
investor" within the meaning of Rule 501(a)
promulgated pursuant to the Act.
4. The Purchaser has been furnished
with, and has had an opportunity to review
(a) [a copy of the Private Placement
Memorandum, dated ___________________, 19__,
relating to the Certificates (b)] a copy of
the Pooling and Servicing Agreement and [b]
[c] such other information concerning the
Certificates, the Mortgage Loans and the
Company as has been requested by the
Purchaser from the Company or the Seller and
is relevant to the Purchaser's decision to
purchase the Certificates. The Purchaser has
had any questions arising from such review
answered by the Company or the Seller to the
satisfaction of the Purchaser. [If the
Purchaser did not purchase the Certificates
from the Seller in connection with the
initial distribution of the Certificates and
was provided with a copy of the Private
Placement Memorandum (the "Memorandum")
relating to the original sale (the "Original
Sale") of the Certificates by the Company,
the Purchaser acknowledges that such
Memorandum was provided to it by the Seller,
that the Memorandum was prepared by the
Company solely for use in connection with the
Original Sale and the Company did not
participate in or facilitate in any way the
purchase of the Certificates by the Purchaser
from the Seller, and the Purchaser agrees
that it will look solely to the Seller and
not to the Company with respect to any
damage, liability, claim or expense arising
out of, resulting from or in connection with
(a) error or omission, or alleged error or
omission, contained in the Memorandum, or (b)
any information, development or event arising
after the date of the Memorandum.]
5. The Purchaser has not and will
not nor has it authorized or will it
authorize any person to (a) offer, pledge,
sell, dispose of or otherwise transfer any
Certificate, any interest in any Certificate
or any other similar security to any person
in any manner, (b) solicit any offer to buy
or to accept a pledge, disposition of other
transfer of any Certificate, any interest in
any Certificate or any other similar security
from any person in any manner, (c) otherwise
approach or negotiate with respect to any
Certificate, any interest in any Certificate
or any other similar security with any person
in any manner, (d) make any general
solicitation by means of general advertising
or in any other manner or (e) take any other
action, that (as to any of (a) through (e)
above) would constitute a distribution of any
Certificate under the Act, that would render
the disposition of any Certificate a
violation of Section 5 of the Act or any
state securities law, or that would require
registration or qualification pursuant
thereto. The Purchaser will not sell or
otherwise transfer any of the Certificates,
except in compliance with the provisions of
the Pooling and Servicing Agreement.
6. The Purchaser is not an employee
benefit or other plan subject to the
prohibited transaction provisions of the
Employee Retirement Income Security Act of
1974, as amended ("ERISA"), or Section 4975
of the Internal Revenue Code of 1986, as
amended (the "Code"), or any other person
(including an investment manager, a named
fiduciary or a trustee of any such plan)
acting, directly or indirectly, on behalf of
or purchasing any Certificate with "plan
assets" of any such plan, and understands
that registration of transfer of any
Certificate to any such plan, or to any
person acting on behalf of or purchasing any
Certificate with "plan assets" of any such
plan, may not be made unless such plan or
person delivers an opinion of its counsel,
addressed and satisfactory to the Trustee,
the Company and the Master Servicer, to the
effect that the purchase and holding of a
Certificate by, on behalf of, or with "plan
assets" of any such plan is permissible under
applicable law, will not constitute or result
in any non-exempt prohibited transaction
under Section 406 of ERISA or Section 4975 of
the Code, and will not subject the Company,
the Master Servicer or the Trustee to any
obligation or liability (including
obligations or liabilities under ERISA or
Section 4975 of the Code) in addition to
those undertaken in the Pooling and Servicing
Agreement.
7. The Purchaser is not a non-United
States person.
Very truly yours,
By:
Name:
Title:
EXHIBIT K
FORM OF TRANSFEROR REPRESENTATION LETTER
, 19
Residential Funding Mortgage
Securities I, Inc.
8400 Normandale Lake Boulevard
Suite 600
Minneapolis, MN 55437
The First National Bank of Chicago
One North State Street
Chicago, Illinois 60602
Attention: Residential Funding Corporation Series
1996-S6
Re: Mortgage Pass-Through Certificates,
Series 1996-S6, [Class A-9][Class B-]
Ladies and Gentlemen:
In connection with the sale by
(the "Seller") to (the "Purchaser")
of $ Initial Certificate Principal Balance
of Mortgage Pass-Through Certificates, Series 1996-S6,
Class (the "Certificates"), issued pursuant to the
Pooling and Servicing Agreement (the "Pooling and
Servicing Agreement"), dated as of March 1, 1996 among
Residential Funding Mortgage Securities I, Inc., as
seller (the "Company"), Residential Funding
Corporation, as master servicer, and The First National
Bank of Chicago, as trustee (the "Trustee"). The
Seller hereby certifies, represents and warrants to,
and covenants with, the Company and the Trustee that:
Neither the Seller nor anyone acting on its
behalf has (a) offered, pledged, sold, disposed of or
otherwise transferred any Certificate, any interest in
any Certificate or any other similar security to any
person in any manner, (b) has solicited any offer to
buy or to accept a pledge, disposition or other
transfer of any Certificate, any interest in any
Certificate or any other similar security from any
person in any manner, (c) has otherwise approached or
negotiated with respect to any Certificate, any
interest in any Certificate or any other similar
security with any person in any manner, (d) has made
any general solicitation by means of general
advertising or in any other manner, or (e) has taken
any other action, that (as to any of (a) through (e)
above) would constitute a distribution of the
Certificates under the Securities Act of 1933 (the
"Act"), that would render the disposition of any
Certificate a violation of Section 5 of the Act or any
state securities law, or that would require
registration or qualification pursuant thereto. The
Seller will not act, in any manner set forth in the
foregoing sentence with respect to any Certificate.
The Seller has not and will not sell or otherwise
transfer any of the Certificates, except in compliance
with the provisions of the Pooling and Servicing
Agreement.
Very truly yours,
(Seller)
By:
Name:
Title:
EXHIBIT L
[FORM OF RULE 144A INVESTMENT REPRESENTATION]
Description of Rule 144A Securities, including numbers:
_______________________________________________
_______________________________________________
_______________________________________________
_______________________________________________
The undersigned seller, as registered holder
(the "Seller"), intends to transfer the Rule 144A
Securities described above to the undersigned buyer
(the "Buyer").
1. In connection with such transfer and in
accordance with the agreements pursuant to which the
Rule 144A Securities were issued, the Seller hereby
certifies the following facts: Neither the Seller nor
anyone acting on its behalf has offered, transferred,
pledged, sold or otherwise disposed of the Rule 144A
Securities, any interest in the Rule 144A Securities or
any other similar security to, or solicited any offer
to buy or accept a transfer, pledge or other
disposition of the Rule 144A Securities, any interest
in the Rule 144A Securities or any other similar
security from, or otherwise approached or negotiated
with respect to the Rule 144A Securities, any interest
in the Rule 144A Securities or any other similar
security with, any person in any manner, or made any
general solicitation by means of general advertising or
in any other manner, or taken any other action, that
would constitute a distribution of the Rule 144A
Securities under the Securities Act of 1933, as amended
(the "1933 Act"), or that would render the disposition
of the Rule 144A Securities a violation of Section 5 of
the 1933 Act or require registration pursuant thereto,
and that the Seller has not offered the Rule 144A
Securities to any person other than the Buyer or
another "qualified institutional buyer" as defined in
Rule 144A under the 1933 Act.
2. The Buyer warrants and represents to, and
covenants with, the Seller, the Trustee and the Master
Servicer (as defined in the Pooling and Servicing
Agreement (the "Agreement"), dated as of March 1, 1996
among Residential Funding Corporation as Master
Servicer, Residential Funding Mortgage Securities I,
Inc. as depositor pursuant to Section 5.02 of the
Agreement and The First National Bank of Chicago, as
trustee, as follows:
a. The Buyer understands that the Rule
144A Securities have not been registered under the
1933 Act or the securities laws of any state.
b. The Buyer considers itself a
substantial, sophisticated institutional investor
having such knowledge and experience in financial
and business matters that it is capable of
evaluating the merits and risks of investment in
the Rule 144A Securities.
c. The Buyer has been furnished with
all information regarding the Rule 144A Securities
that it has requested from the Seller, the Trustee
or the Servicer.
d. Neither the Buyer nor anyone acting
on its behalf has offered, transferred, pledged,
sold or otherwise disposed of the Rule 144A
Securities, any interest in the Rule 144A
Securities or any other similar security to, or
solicited any offer to buy or accept a transfer,
pledge or other disposition of the Rule 144A
Securities, any interest in the Rule 144A
Securities or any other similar security from, or
otherwise approached or negotiated with respect to
the Rule 144A Securities, any interest in the Rule
144A Securities or any other similar security
with, any person in any manner, or made any
general solicitation by means of general
advertising or in any other manner, or taken any
other action, that would constitute a distribution
of the Rule 144A Securities under the 1933 Act or
that would render the disposition of the Rule 144A
Securities a violation of Section 5 of the 1933
Act or require registration pursuant thereto, nor
will it act, nor has it authorized or will it
authorize any person to act, in such manner with
respect to the Rule 144A Securities.
e. The Buyer is a "qualified
institutional buyer" as that term is defined in
Rule 144A under the 1933 Act and has completed
either of the forms of certification to that
effect attached hereto as Annex 1 or Annex 2. The
Buyer is aware that the sale to it is being made
in reliance on Rule 144A. The Buyer is acquiring
the Rule 144A Securities for its own account or
the accounts of other qualified institutional
buyers, understands that such Rule 144A Securities
may be resold, pledged or transferred only (i) to
a person reasonably believed to be a qualified
institutional buyer that purchases for its own
account or for the account of a qualified
institutional buyer to whom notice is given that
the resale, pledge or transfer is being made in
reliance on Rule 144A, or (ii) pursuant to another
exemption from registration under the 1933 Act.
[3. The Buyer warrants and represents to,
and covenants with, the Seller, the Trustee, Master
Servicer and the Company that either (1) the Buyer is
(A) not an employee benefit plan (within the meaning of
Section 3(3) of the Employee Retirement Income Security
Act of 1974, as amended ("ERISA")), or a plan (within
the meaning of Section 4975(e)(1) of the Internal
Revenue Code of 1986 ("Code")), which (in either case)
is subject to ERISA or Section 4975 of the Code (both a
"Plan"), and (B) is not directly or indirectly
purchasing the Rule 144A Securities on behalf of, as
investment manager of, as named fiduciary of, as
trustee of, or with "plan assets" of a Plan, or (2) the
Buyer understands that registration of transfer of any
Rule 144A Securities to any Plan, or to any Person
acting on behalf of or purchasing any such Certificate
with "plan assets" of any Plan, may not be made unless
such Plan or Person, including the Buyer, delivers an
opinion of its counsel, addressed and satisfactory to
the Trustee, the Company and the Master Servicer, to
the effect that the purchase and holding of the Rule
144A Securities by, on behalf of or with "plan assets"
of such Plan is permissible under applicable law, will
not constitute or result in any non-exempt prohibited
transaction under Section 406 of ERISA or Section 4975
of the Code, and will not subject the Company, the
Master Servicer or the Trustee to any obligation or
liability (including liabilities under ERISA or Section
4975 of the Code) in addition to those undertaken in
the Pooling and Servicing Agreement.]
4. This document may be executed in one or
more counterparts and by the different parties hereto
on separate counterparts, each of which, when so
executed, shall be deemed to be an original; such
counterparts, together, shall constitute one and the
same document.
IN WITNESS WHEREOF, each of the parties has
executed this document as of the date set forth below.
Print Name of Seller Print Name of Buyer
By: By:
Name: Name:
Title: Title:
Taxpayer Identification: Taxpayer Identification:
No. No.
Date: Date:
ANNEX 1 TO EXHIBIT L
QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE
144A
[For Buyers Other Than Registered Investment Companies]
The undersigned hereby certifies as follows in
connection with the Rule 144A Investment Representation
to which this Certification is attached:
1. As indicated below, the undersigned is the
President, Chief Financial Officer, Senior Vice
President or other executive officer of the Buyer.
2. In connection with purchases by the Buyer,
the Buyer is a "qualified institutional buyer" as that
term is defined in Rule 144A under the Securities Act
of 1933 ("Rule 144A") because (i) the Buyer owned
and/or invested on a discretionary basis
$______________________ in securities (except for the
excluded securities referred to below) as of the end of
the Buyer's most recent fiscal year (such amount being
calculated in accordance with Rule 144A) and (ii) the
Buyer satisfies the criteria in the category marked
below.
___ Corporation, etc. The Buyer is a corporation
(other than a bank, savings and loan
association or similar institution),
Massachusetts or similar business trust,
partnership, or charitable organization
described in Section 501(c)(3) of the Internal
Revenue Code.
___ Bank. The Buyer (a) is a national bank or
banking institution organized under the laws of
any State, territory or the District of
Columbia, the business of which is
substantially confined to banking and is
supervised by the State or territorial banking
commission or similar official or is a foreign
bank or equivalent institution, and (b) has an
audited net worth of at least $25,000,000 as
demonstrated in its latest annual financial
statements, a copy of which is attached hereto.
___ Savings and Loan. The Buyer (a) is a savings
and loan association, building and loan
association, cooperative bank, homestead
association or similar institution, which is
supervised and examined by a State or Federal
authority having supervision over any such
institutions or is a foreign savings and loan
association or equivalent institution and (b)
has an audited net worth of at least
$25,000,000 as demonstrated in its latest
annual financial statements.
___ Broker-Dealer. The Buyer is a dealer
registered pursuant to Section 15 of the
Securities Exchange Act of 1934.
___ Insurance Company. The Buyer is an insurance
company whose primary and predominant business
activity is the writing of insurance or the
reinsuring of risks underwritten by insurance
companies and which is subject to supervision
by the insurance commissioner or a similar
official or agency of a State or territory or
the District of Columbia.
___ State or Local Plan. The Buyer is a plan
established and maintained by a State, its
political subdivisions, or any agency or
instrumentality of the State or its political
subdivisions, for the benefit of its employees.
___ ERISA Plan. The Buyer is an employee benefit
plan within the meaning of Title I of the
Employee Retirement Income Security Act of
1974.
___ Investment Adviser. The Buyer is an
investment adviser registered under the
Investment Advisers Act of 1940.
___ SBIC. The Buyer is a Small Business Investment
Company licensed by the U.S. Small Business
Administration under Section 301(c) or (d) of
the Small Business Investment Act of 1958.
___ Business Development Company. The Buyer is a
business development company as defined in
Section 202(a)(22) of the Investment Advisers
Act of 1940.
___ Trust Fund. The Buyer is a trust fund whose
trustee is a bank or trust company and whose
participants are exclusively (a) plans
established and maintained by a State, its
political subdivisions, or any agency or
instrumentality of the State or its political
subdivisions, for the benefit of its employees,
or (b) employee benefit plans within the
meaning of Title I of the Employee Retirement
Income Security Act of 1974, but is not a trust
fund that includes as participants individual
retirement accounts or H.R. 10 plans.
3. The term "securities" as used herein
does not include (i) securities of issuers that are
affiliated with the Buyer, (ii) securities that are
part of an unsold allotment to or subscription by the
Buyer, if the Buyer is a dealer, (iii) bank deposit
notes and certificates of deposit, (iv) loan
participations, (v) repurchase agreements, (vi)
securities owned but subject to a repurchase agreement
and (vii) currency, interest rate and commodity swaps.
4. For purposes of determining the
aggregate amount of securities owned and/or invested on
a discretionary basis by the Buyer, the Buyer used the
cost of such securities to the Buyer and did not
include any of the securities referred to in the
preceding paragraph. Further, in determining such
aggregate amount, the Buyer may have included
securities owned by subsidiaries of the Buyer, but
only if such subsidiaries are consolidated with the
Buyer in its financial statements prepared in
accordance with generally accepted accounting
principles and if the investments of such subsidiaries
are managed under the Buyer's direction. However, such
securities were not included if the Buyer is a
majority-owned, consolidated subsidiary of another
enterprise and the Buyer is not itself a reporting
company under the Securities Exchange Act of 1934.
5. The Buyer acknowledges that it is
familiar with Rule 144A and understands that the seller
to it and other parties related to the Certificates are
relying and will continue to rely on the statements
made herein because one or more sales to the Buyer may
be in reliance on Rule 144A.
___ ___ Will the Buyer be purchasing the Rule 144A
Yes No Securities only for the Buyer's own account?
6. If the answer to the foregoing question
is "no", the Buyer agrees that, in connection with any
purchase of securities sold to the Buyer for the
account of a third party (including any separate
account) in reliance on Rule 144A, the Buyer will only
purchase for the account of a third party that at the
time is a "qualified institutional buyer" within the
meaning of Rule 144A. In addition, the Buyer agrees
that the Buyer will not purchase securities for a third
party unless the Buyer has obtained a current
representation letter from such third party or taken
other appropriate steps contemplated by Rule 144A to
conclude that such third party independently meets the
definition of "qualified institutional buyer" set forth
in Rule 144A.
7. The Buyer will notify each of the
parties to which this certification is made of any
changes in the information and conclusions herein.
Until such notice is given, the Buyer's purchase of
Rule 144A Securities will constitute a reaffirmation of
this certification as of the date of such purchase.
Print Name of Buyer
By:
Name:
Title:
Date:
ANNEX 2 TO EXHIBIT L
QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE
144A
[For Buyers That Are Registered Investment Companies]
The undersigned hereby certifies as follows
in connection with the Rule 144A Investment
Representation to which this Certification is attached:
1. As indicated below, the undersigned is
the President, Chief Financial Officer or Senior Vice
President of the Buyer or, if the Buyer is a "qualified
institutional buyer" as that term is defined in
Rule 144A under the Securities Act of 1933
("Rule 144A") because Buyer is part of a Family of
Investment Companies (as defined below), is such an
officer of the Adviser.
2. In connection with purchases by Buyer, the
Buyer is a "qualified institutional buyer" as defined
in SEC Rule 144A because (i) the Buyer is an investment
company registered under the Investment Company Act of
1940, and (ii) as marked below, the Buyer alone, or the
Buyer's Family of Investment Companies, owned at least
$100,000,000 in securities (other than the excluded
securities referred to below) as of the end of the
Buyer's most recent fiscal year. For purposes of
determining the amount of securities owned by the
Buyer or the Buyer's Family of Investment Companies,
the cost of such securities was used.
____ The Buyer owned $___________________ in
securities (other than the excluded
securities referred to below) as of the end
of the Buyer's most recent fiscal year (such
amount being calculated in accordance with
Rule 144A).
____ The Buyer is part of a Family of Investment
Companies which owned in the aggregate
$______________ in securities (other than the
excluded securities referred to below) as of
the end of the Buyer's most recent fiscal
year (such amount being calculated in
accordance with Rule 144A).
3. The term "Family of Investment
Companies" as used herein means two or more registered
investment companies (or series thereof) that have the
same investment adviser or investment advisers that are
affiliated (by virtue of being majority owned
subsidiaries of the same parent or because one
investment adviser is a majority owned subsidiary of
the other).
4. The term "securities" as used herein
does not include (i) securities of issuers that are
affiliated with the Buyer or are part of the Buyer's
Family of Investment Companies, (ii) bank deposit notes
and certificates of deposit, (iii) loan participations,
(iv) repurchase agreements, (v) securities owned but
subject to a repurchase agreement and (vi) currency,
interest rate and commodity swaps.
5. The Buyer is familiar with Rule 144A and
understands that each of the parties to which this
certification is made are relying and will continue to
rely on the statements made herein because one or more
sales to the Buyer will be in reliance on Rule 144A.
In addition, the Buyer will only purchase for the
Buyer's own account.
6. The undersigned will notify each of the
parties to which this certification is made of any
changes in the information and conclusions herein.
Until such notice, the Buyer's purchase of Rule 144A
Securities will constitute a reaffirmation of this
certification by the undersigned as of the date of such
purchase.
Print Name of Buyer
By:
Name:
Title:
IF AN ADVISER:
Print Name of Buyer
Date:
EXHIBIT M
[TEXT OF AMENDMENT TO POOLING AND SERVICING
AGREEMENT PURSUANT TO SECTION 11.01(E) FOR A
LIMITED GUARANTY]
ARTICLE XII
Subordinate Certificate Loss Coverage; Limited Guaranty
Section 12.01. Subordinate Certificate Loss
Coverage; Limited Guaranty. (a) Subject to subsection
(c) below, prior to the later of the third Business Day
prior to each Distribution Date or the related
Determination Date, the Master Servicer shall determine
whether it or any Subservicer will be entitled to any
reimbursement pursuant to Section 4.02(a) on such
Distribution Date for Advances or Subservicer Advances
previously made, (which will not be Advances or
Subservicer Advances that were made with respect to
delinquencies which were subsequently determined to be
Excess Special Hazard Losses, Excess Fraud Losses,
Excess Bankruptcy Losses or Extraordinary Losses) and,
if so, the Master Servicer shall demand payment from
Residential Funding of an amount equal to the amount of
any Advances or Subservicer Advances reimbursed
pursuant to Section 4.02(a), to the extent such
Advances or Subservicer Advances have not been included
in the amount of the Realized Loss in the related
Mortgage Loan, and shall distribute the same to the
Class B Certificateholders in the same manner as if
such amount were to be distributed pursuant to Section
4.02(a).
(b) Subject to subsection (c) below, prior
to the later of the third Business Day prior to each
Distribution Date or the related Determination Date,
the Master Servicer shall determine whether any
Realized Losses (other than Excess Special Hazard
Losses, Excess Bankruptcy Losses, Excess Fraud Losses
and Extraordinary Losses) will be allocated to the
Class B Certificates on such Distribution Date pursuant
to Section 4.05, and, if so, the Master Servicer shall
demand payment from Residential Funding of the amount
of such Realized Loss and shall distribute the same to
the Class B Certificateholders in the same manner as if
such amount were to be distributed pursuant to Section
4.02(a); provided, however, that the amount of such
demand in respect of any Distribution Date shall in no
event be greater than the sum of (i) the additional
amount of Accrued Certificate Interest that would have
been paid for the Class B Certificateholders on such
Distribution Date had such Realized Loss or Losses not
occurred plus (ii) the amount of the reduction in the
Certificate Principal Balances of the Class B
Certificates on such Distribution Date due to such
Realized Loss or Losses. Notwithstanding such payment,
such Realized Losses shall be deemed to have been borne
by the Certificateholders for purposes of Section 4.05.
Excess Special Hazard Losses, Excess Fraud Losses,
Excess Bankruptcy Losses and Extraordinary Losses
allocated to the Class B Certificates will not be
covered by the Subordinate Certificate Loss Obligation.
(c) Demands for payments pursuant to this
Section shall be made prior to the later of the third
Business Day prior to each Distribution Date or the
related Determination Date by the Master Servicer with
written notice thereof to the Trustee. The maximum
amount that Residential Funding shall be required to
pay pursuant to this Section on any Distribution Date
(the "Amount Available") shall be equal to the lesser
of (X) minus the sum of (i) all
previous payments made under subsections (a) and (b)
hereof and (ii) all draws under the Limited Guaranty
made in lieu of such payments as described below in
subsection (d) and (Y) the then outstanding Certificate
Principal Balances of the Class B Certificates, or such
lower amount as may be established pursuant to Section
12.02. Residential Funding's obligations as described
in this Section are referred to herein as the
"Subordinate Certificate Loss Obligation."
(d) The Trustee will promptly notify General
Motors Acceptance Corporation of any failure of
Residential Funding to make any payments hereunder and
shall demand payment pursuant to the limited guaranty
(the "Limited Guaranty"), executed by General Motors
Acceptance Corporation, of Residential Funding's
obligation to make payments pursuant to this Section,
in an amount equal to the lesser of (i) the Amount
Available and (ii) such required payments, by
delivering to General Motors Acceptance Corporation a
written demand for payment by wire transfer, not later
than the second Business Day prior to the Distribution
Date for such month, with a copy to the Master
Servicer.
(e) All payments made by Residential Funding
pursuant to this Section or amounts paid under the
Limited Guaranty shall be deposited directly in the
Certificate Account, for distribution on the
Distribution Date for such month to the Class B
Certificateholders.
(f) The Company shall have the option, in
its sole discretion, to substitute for either or both
of the Limited Guaranty or the Subordinate Certificate
Loss Obligation another instrument in the form of a
corporate guaranty, an irrevocable letter of credit, a
surety bond, insurance policy or similar instrument or
a reserve fund; provided that (i) the Company obtains
(subject to the provisions of Section 10.01(f) as if
the Company was substituted for the Master Servicer
solely for the purposes of such provision) an Opinion
of Counsel (which need not be an opinion of Independent
counsel) to the effect that obtaining such substitute
corporate guaranty, irrevocable letter of credit,
surety bond, insurance policy or similar instrument or
reserve fund will not cause either (a) any federal tax
to be imposed on the Trust Fund, including without
limitation, any federal tax imposed on "prohibited
transactions" under Section 860(F)(a)(1) of the Code or
on "contributions after the startup date" under Section
860(G)(d)(1) of the Code or (b) either REMIC I or REMIC
II to fail to qualify as a REMIC at any time that any
Certificate is outstanding, and (ii) no such
substitution shall be made unless (A) the substitute
Limited Guaranty or Subordinate Certificate Loss
Obligation is for an initial amount not less than the
then current Amount Available and contains provisions
that are in all material respects equivalent to the
original Limited Guaranty or Subordinate Certificate
Loss Obligation (including that no portion of the fees,
reimbursements or other obligations under any such
instrument will be borne by the Trust Fund), (B) the
long term debt obligations of any obligor of any
substitute Limited Guaranty or Subordinate Certificate
Loss Obligation (if not supported by the Limited
Guaranty) shall be rated at least the lesser of (a) the
rating of the long term debt obligations of General
Motors Acceptance Corporation as of the date of
issuance of the Limited Guaranty and (b) the rating of
the long term debt obligations of General Motors
Acceptance Corporation at the date of such substitution
and (C) the Company obtains written confirmation from
each nationally recognized credit rating agency that
rated the Class B Certificates at the request of the
Company that such substitution shall not lower the
rating on the Class B Certificates below the lesser of
(a) the then-current rating assigned to the Class B
Certificates by such rating agency and (b) the original
rating assigned to the Class B Certificates by such
rating agency. Any replacement of the Limited Guaranty
or Subordinate Certificate Loss Obligation pursuant to
this Section shall be accompanied by a written Opinion
of Counsel to the substitute guarantor or obligor,
addressed to the Master Servicer and the Trustee, that
such substitute instrument constitutes a legal, valid
and binding obligation of the substitute guarantor or
obligor, enforceable in accordance with its terms, and
concerning such other matters as the Master Servicer
and the Trustee shall reasonably request. Neither the
Company, the Master Servicer nor the Trustee shall be
obligated to substitute for or replace the Limited
Guaranty or Subordinate Certificate Loss Obligation
under any circumstance.
Section 12.02. Amendments Relating to the
Limited Guaranty. Notwithstanding Sections 11.01 or
12.01: (i) the provisions of this Article XII may be
amended, superseded or deleted, (ii) the Limited
Guaranty or Subordinate Certificate Loss Obligation may
be amended, reduced or canceled, and (iii) any other
provision of this Agreement which is related or
incidental to the matters described in this Article XII
may be amended in any manner; in each case by written
instrument executed or consented to by the Company and
Residential Funding but without the consent of any
Certificateholder and without the consent of the Master
Servicer or the Trustee being required unless any such
amendment would impose any additional obligation on, or
otherwise adversely affect the interests of, the Master
Servicer or the Trustee, as applicable; provided that
the Company shall also obtain a letter from each
nationally recognized credit rating agency that rated
the Class B Certificates at the request of the Company
to the effect that such amendment, reduction, deletion
or cancellation will not lower the rating on the Class
B Certificates below the lesser of (a) the then-current
rating assigned to the Class B Certificates by such
rating agency and (b) the original rating assigned to
the Class B Certificates by such rating agency, unless
(A) the Holder of 100% of the Class B Certificates is
Residential Funding or an Affiliate of Residential
Funding, or (B) such amendment, reduction, deletion or
cancellation is made in accordance with Section
11.01(e) and, provided further that the Company obtains
(subject to the provisions of Section 10.01(f) as if
the Company was substituted for the Master Servicer
solely for the purposes of such provision), in the case
of a material amendment or supersession (but not a
reduction, cancellation or deletion of the Limited
Guaranty or the Subordinate Certificate Loss
Obligation), an Opinion of Counsel (which need not be
an opinion of Independent counsel) to the effect that
any such amendment or supersession will not cause
either (a) any federal tax to be imposed on the Trust
Fund, including without limitation, any federal tax
imposed on "prohibited transactions" under Section
860F(a)(1) of the Code or on "contributions after the
startup date" under Section 860G(d)(1) of the Code or
(b) either REMIC I or REMIC II to fail to qualify as a
REMIC at any time that any Certificate is outstanding.
A copy of any such instrument shall be provided to the
Trustee and the Master Servicer together with an
Opinion of Counsel that such amendment complies with
this Section 12.02.
EXHIBIT N
[FORM OF LIMITED GUARANTY]
LIMITED GUARANTY
RESIDENTIAL FUNDING MORTGAGE SECURITIES I, INC.
Mortgage Pass-Through Certificates
Series 1996-S6
, 199__
The First National Bank of Chicago
One North State Street
Chicago, Illinois 60602
Attention: Residential Funding Corporation Series
1996-S6
Ladies and Gentlemen:
WHEREAS, Residential Funding Corporation, a
Delaware corporation ("Residential Funding"), an
indirect wholly-owned subsidiary of General Motors
Acceptance Corporation, a New York corporation
("GMAC"), plans to incur certain obligations as
described under Section 12.01 of the Pooling and
Servicing Agreement dated as of March 1, 1996 (the
"Servicing Agreement"), among Residential Funding
Mortgage Securities I, Inc. (the "Company"),
Residential Funding and The First National Bank of
Chicago (the "Trustee") as amended by Amendment No. ___
thereto, dated as of ________, with respect to the
Mortgage Pass-Through Certificates, Series 1996-S6 (the
"Certificates"); and
WHEREAS, pursuant to Section 12.01 of the
Servicing Agreement, Residential Funding agrees to make
payments to the Holders of the Class B Certificates
with respect to certain losses on the Mortgage Loans as
described in the Servicing Agreement; and
WHEREAS, GMAC desires to provide certain
assurances with respect to the ability of Residential
Funding to secure sufficient funds and faithfully to
perform its Subordinate Certificate Loss Obligation;
NOW THEREFORE, in consideration of the
premises herein contained and certain other good and
valuable consideration, the receipt of which is hereby
acknowledged, GMAC agrees as follows:
1. Provision of Funds. (a) GMAC agrees to
contribute and deposit in the Certificate Account on
behalf of Residential Funding (or otherwise provide to
Residential Funding, or to cause to be made available
to Residential Funding), either directly or through a
subsidiary, in any case prior to the related
Distribution Date, such moneys as may be required by
Residential Funding to perform its Subordinate
Certificate Loss Obligation when and as the same arises
from time to time upon the demand of the Trustee in
accordance with Section 12.01 of the Servicing
Agreement.
(b) The agreement set forth in the preceding
clause (a) shall be absolute, irrevocable and
unconditional and shall not be affected by the transfer
by GMAC or any other person of all or any part of its
or their interest in Residential Funding, by any
insolvency, bankruptcy, dissolution or other proceeding
affecting Residential Funding or any other person, by
any defense or right of counterclaim, set-off or
recoupment that GMAC may have against Residential
Funding or any other person or by any other fact or
circumstance. Notwithstanding the foregoing, GMAC's
obligations under clause (a) shall terminate upon the
earlier of (x) substitution for this Limited Guaranty
pursuant to Section 12.01(f) of the Servicing
Agreement, or (y) the termination of the Trust Fund
pursuant to the Servicing Agreement.
2. Waiver. GMAC hereby waives any failure
or delay on the part of Residential Funding, the
Trustee or any other person in asserting or enforcing
any rights or in making any claims or demands
hereunder. Any defective or partial exercise of any
such rights shall not preclude any other or further
exercise of that or any other such right. GMAC further
waives demand, presentment, notice of default, protest,
notice of acceptance and any other notices with respect
to this Limited Guaranty, including, without
limitation, those of action or nonaction on the part of
Residential Funding or the Trustee.
3. Modification, Amendment and Termination.
This Limited Guaranty may be modified, amended or
terminated only by the written agreement of GMAC and
the Trustee and only if such modification, amendment or
termination is permitted under Section 12.02 of the
Servicing Agreement. The obligations of GMAC under
this Limited Guaranty shall continue and remain in
effect so long as the Servicing Agreement is not
modified or amended in any way that might affect the
obligations of GMAC under this Limited Guaranty without
the prior written consent of GMAC.
4. Successor. Except as otherwise
expressly provided herein, the guarantee herein set
forth shall be binding upon GMAC and its respective
successors.
5. Governing Law. This Limited Guaranty
shall be governed by the laws of the State of New York.
6. Authorization and Reliance. GMAC
understands that a copy of this Limited Guaranty shall
be delivered to the Trustee in connection with the
execution of Amendment No. 1 to the Servicing Agreement
and GMAC hereby authorizes the Company and the Trustee
to rely on the covenants and agreements set forth
herein.
7. Definitions. Capitalized terms used but
not otherwise defined herein shall have the meaning
given them in the Servicing Agreement.
8. Counterparts. This Limited Guaranty may
be executed in any number of counterparts, each of
which shall be deemed to be an original and such
counterparts shall constitute but one and the same
instrument.
IN WITNESS WHEREOF, GMAC has caused this
Limited Guaranty to be executed and delivered by its
respective officers thereunto duly authorized as of the
day and year first above written.
GENERAL MOTORS ACCEPTANCE
CORPORATION
By:
Name:
Title:
Acknowledged by:
THE FIRST NATIONAL BANK OF CHICAGO,
as Trustee
By:
Name:
Title:
RESIDENTIAL FUNDING MORTGAGE
SECURITIES I, INC.
By:
Name:
Title:
EXHIBIT O
FORM OF LENDER CERTIFICATION FOR ASSIGNMENT OF MORTGAGE
LOAN
__________________,
19____
Residential Funding Mortgage
Securities I, Inc.
8400 Normandale Lake Boulevard
Suite 600
Minneapolis, Minnesota 55437
The First National Bank of Chicago
One North State Street
Chicago, Illinois 60602
Attention: Residential Funding Corporation Series
1996-S6
Re: Mortgage Pass-Through Certificates,
Series 1996-S6 Assignment of Mortgage
Loan
Ladies and Gentlemen:
This letter is delivered to you in connection
with the assignment by _________________ (the
"Trustee") to _______________________ (the "Lender") of
_______________ (the "Mortgage Loan") pursuant to
Section 3.13(d) of the Pooling and Servicing Agreement
(the "Pooling and Servicing Agreement"), dated as of
March 1, 1996 among Residential Funding Mortgage
Securities I, Inc., as seller (the "Company"),
Residential Funding Corporation, as master servicer,
and the Trustee. All terms used herein and not
otherwise defined shall have the meanings set forth in
the Pooling and Servicing Agreement. The Lender hereby
certifies, represents and warrants to, and covenants
with, the Master Servicer and the Trustee that:
(i) the Mortgage Loan is secured by
Mortgaged Property located in a jurisdiction in which
an assignment in lieu of satisfaction is required to
preserve lien priority, minimize or avoid mortgage
recording taxes or otherwise comply with, or facilitate
a refinancing under, the laws of such jurisdiction;
(ii) the substance of the assignment is, and
is intended to be, a refinancing of such Mortgage Loan
and the form of the transaction is solely to comply
with, or facilitate the transaction under, such local
laws;
(iii) the Mortgage Loan following the proposed
assignment will be modified to have a rate of interest
at least 0.25 percent below or above the rate of
interest on such Mortgage Loan prior to such proposed
assignment; and
(iv) such assignment is at the request of the
borrower under the related Mortgage Loan.
Very truly yours,
(Lender)
By:
Name:
Title:
EXHIBIT P
TARGETED PRINCIPAL BALANCES
For information on the Planned Principal Balances,
see Prospectus dated March 22, 1996 to the Prospectus
dated January 23, 1996 for Residential Funding Mortgage
Securities I, Inc., Pass-Through Certificates Series
1996-S6. See pages S-29 through S-31.
