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) January 28, 1999
RESIDENTIAL FUNDING MORTGAGE SECURITIES I, INC. (as company under a Pooling and
Servicing Agreement, dated as of January 1, 1999, providing for, inter alia, the
issuance of Mortgage Pass-Through Certificates, Series 1999-S3)
Residential Funding Mortgage Securities I, Inc.
(Exact name of registrant as specified in its charter)
DELAWARE 333-57481 75-2006294
(State or Other Jurisdiction (Commission (I.R.S. Employer
of Incorporation) File Number) Identification No.)
8400 Normandale Lake Blvd.
Suite 600
Minneapolis, Minnesota 55437
(Address of Principal (Zip Code)
Executive Offices)
Registrant's telephone number, including area code, is (612) 832-7000
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Item 7. Financial Statements, Pro Forma Financial Information and Exhibits.
(a) Not applicable
(b) Not applicable
(c) Exhibits:
1. Pooling and Servicing Agreement, dated as of January 1, 1999,
among Residential Funding Mortgage Securities I, Inc., as company, Residential
Funding Corporation, as master servicer, and The First National Bank of Chicago,
as trustee.
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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:
Name: Randy Van Zee
Title: Vice President
Dated: February 2, 1999
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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/Randy Van Zee
Name: Randy Van Zee
Title: Vice President
Dated: February 2, 1999
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EXHIBITS
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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 January 1, 1999
Mortgage Pass-Through Certificates
Series 1999-S3
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TABLE OF CONTENTS
Page
ARTICLE IDEFINITIONS
Section 1.01. Definitions...................................................3
Accrued Certificate Interest...........................................3
Adjusted Mortgage Rate.................................................4
Advance................................................................4
Affiliate..............................................................4
Agreement..............................................................4
Amount Held for Future Distribution....................................4
Appraised Value........................................................4
Assignment.............................................................4
Assignment Agreement...................................................5
Available Distribution Amount..........................................5
Bankruptcy Amount......................................................5
Bankruptcy Code........................................................6
Bankruptcy Loss........................................................6
Book-Entry Certificate.................................................6
Business Day...........................................................6
Buydown Funds..........................................................6
Buydown Mortgage Loan..................................................6
Cash Liquidation.......................................................6
Certificate............................................................7
Certificate Account....................................................7
Certificate Account Deposit Date.......................................7
Certificateholder or Holder............................................7
Certificate Owner......................................................7
Certificate Principal Balance..........................................7
Certificate Register and Certificate Registrar.........................8
Class .................................................................8
Class A Certificate....................................................8
Class A-P Collection Shortfall.........................................9
Class A-P Principal Distribution Amount................................9
Class B Certificate....................................................9
Class B Percentage.....................................................9
Class B-1 Percentage...................................................9
Class B-1 Prepayment Distribution Trigger..............................9
Class B-2 Percentage...................................................9
Class B-2 Prepayment Distribution Trigger..............................9
Class B-3 Percentage...................................................9
Class B-3 Prepayment Distribution Trigger.............................10
Class M Certificate...................................................10
Class M Percentage....................................................10
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Class M-1 Percentage..................................................10
Class M-2 Percentage..................................................10
Class M-2 Prepayment Distribution Trigger.............................10
Class M-3 Percentage..................................................10
Class M-3 Prepayment Distribution Trigger.............................11
Class R Certificate...................................................11
Closing Date..........................................................11
Code ................................................................11
Compensating Interest.................................................11
Corporate Trust Office................................................11
Credit Support Depletion Date.........................................11
Curtailment...........................................................11
Custodial Account.....................................................11
Custodial Agreement...................................................12
Custodian.............................................................12
Cut-off Date..........................................................12
Cut-off Date Principal Balance........................................12
Debt Service Reduction................................................12
Defaulted Mortgage Loss...............................................12
Deficient Valuation...................................................12
Definitive Certificate................................................12
Deleted Mortgage Loan.................................................12
Delinquent............................................................12
Depository............................................................13
Depository Participant................................................13
Destroyed Mortgage Note...............................................13
Determination Date....................................................13
Discount Fraction.....................................................13
Discount Mortgage Loan................................................13
Disqualified Organization.............................................13
Distribution Date.....................................................14
Due Date..............................................................14
Due Period............................................................14
Eligible Account......................................................14
Eligible Funds........................................................14
ERISA ................................................................15
Event of Default......................................................15
Excess Bankruptcy Loss................................................15
Excess Fraud Loss.....................................................15
Excess Special Hazard Loss............................................15
Excess Subordinate Principal Amount...................................15
Extraordinary Events..................................................15
Extraordinary Losses..................................................16
FDIC ................................................................16
FHLMC ................................................................16
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Final Distribution Date...............................................16
Fitch ................................................................16
FNMA ................................................................16
Foreclosure Profits...................................................16
Fraud Loss Amount.....................................................17
Fraud Losses..........................................................17
Independent...........................................................17
Indirect Depository Participant.......................................17
Initial Certificate Principal Balance.................................17
Initial Monthly Payment Fund..........................................17
Initial Notional Amount...............................................17
Insurance Proceeds....................................................18
Insurer...............................................................18
Interest Accrual Period...............................................18
Junior Certificateholder..............................................18
Junior Class of Certificates..........................................18
Late Collections......................................................18
LIBOR ................................................................18
LIBOR Business Day....................................................18
Liquidation Proceeds..................................................18
Loan-to-Value Ratio...................................................18
Lockout Certificates..................................................19
Lockout Prepayment Percentage.........................................19
Lockout Scheduled Percentage..........................................19
Maturity Date.........................................................19
Modified Mortgage Loan................................................19
Modified Net Mortgage Rate............................................19
Monthly Payment.......................................................19
Moody's...............................................................19
Mortgage..............................................................19
Mortgage File.........................................................19
Mortgage Loan Schedule................................................20
Mortgage Loans........................................................20
Mortgage Note.........................................................21
Mortgage Rate.........................................................21
Mortgaged Property....................................................21
Mortgagor.............................................................21
Net Mortgage Rate.....................................................21
Non-Discount Mortgage Loan............................................21
Non-Primary Residence Loans...........................................21
Non-Supported Prepayment Interest Shortfall...........................21
Non-United States Person..............................................21
Nonrecoverable Advance................................................21
Nonsubserviced Mortgage Loan..........................................21
Notional Amount.......................................................21
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Page
Officers' Certificate.................................................22
Opinion of Counsel....................................................22
Original Senior Percentage............................................22
Outstanding Mortgage Loan.............................................22
Ownership Interest....................................................22
Pass-Through Rate.....................................................22
Paying Agent..........................................................23
Percentage Interest...................................................23
Permitted Investments.................................................23
Permitted Transferee..................................................25
Person................................................................25
Pool Stated Principal Balance.........................................25
Pool Strip Rate.......................................................25
Prepayment Assumption.................................................25
Prepayment Distribution Percentage....................................25
Prepayment Distribution Trigger.......................................26
Prepayment Interest Shortfall.........................................26
Prepayment Period.....................................................27
Primary Insurance Policy..............................................27
Principal Prepayment..................................................27
Principal Prepayment in Full..........................................27
Program Guide.........................................................27
Purchase Price........................................................27
Qualified Substitute Mortgage Loan....................................27
Rate Adjustment Date..................................................28
Rating Agency.........................................................28
Realized Loss.........................................................28
Record Date...........................................................29
Reference Bank Rate...................................................29
REMIC ................................................................29
REMIC Administrator...................................................30
REMIC Provisions......................................................30
REO Acquisition.......................................................30
REO Disposition.......................................................30
REO Imputed Interest..................................................30
REO Proceeds..........................................................30
REO Property..........................................................30
Request for Release...................................................30
Required Insurance Policy.............................................30
Residential Funding...................................................30
Responsible Officer...................................................31
Schedule of Discount Fractions........................................31
Seller................................................................31
Seller's Agreement....................................................31
Senior Accelerated Distribution Percentage............................31
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Senior Certificates...................................................32
Senior Interest Distribution Amount...................................32
Senior Percentage.....................................................32
Senior Principal Distribution Amount..................................32
Servicing Accounts....................................................32
Servicing Advances....................................................33
Servicing Fee.........................................................33
Servicing Modification................................................33
Servicing Officer.....................................................33
Special Hazard Amount.................................................33
Special Hazard Loss...................................................34
Standard & Poor's.....................................................34
Stated Principal Balance..............................................34
Subclass..............................................................34
Subclass Notional Amount..............................................34
Subordinate Percentage................................................35
Subordinate Principal Distribution Amount.............................35
Subserviced Mortgage Loan.............................................35
Subservicer...........................................................35
Subservicer Advance...................................................35
Subservicing Account..................................................35
Subservicing Agreement................................................35
Subservicing Fee......................................................36
Tax Returns...........................................................36
Transfer..............................................................36
Transferee............................................................36
Transferor............................................................36
Trust Fund............................................................36
Uncertificated Accrued Interest.......................................36
Uncertificated Notional Amount........................................37
Uncertificated Pass-Through Rate......................................37
Uncertificated REMIC Regular Interests................................37
Uncertificated REMIC Regular Interest Pool Strip Rate.................37
Uncertificated REMIC Regular Interest Distribution Amount.............37
Uniform Single Attestation Program for Mortgage Bankers...............37
Uninsured Cause.......................................................37
United States Person..................................................37
Voting Rights.........................................................38
Section 1.02. Determination of LIBOR........................................38
ARTICLE IICONVEYANCE OF MORTGAGE LOANS;ORIGINAL ISSUANCE OF
CERTIFICATES
SectioConveyance of Mortgage Loans..........................................40
SectioAcceptance by Trustee.................................................43
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Page
SectioRepresentations, Warranties and Covenants of the Master Servicer and the
Company...............................................................45
SectioRepresentations and Warranties of Sellers.............................49
SectioExecution and Authentication of Certificates..........................51
ARTICLE IIIADMINISTRATION AND SERVICINGOF MORTGAGE LOANS
SectioMaster Servicer to Act as Servicer....................................52
SectioSubservicing Agreements Between Master Servicer and Subservicers;
Enforcement of Subservicers' and Sellers' Obligations.................53
SectioSuccessor Subservicers................................................54
SectioLiability of the Master Servicer......................................54
SectioNo Contractual Relationship Between Subservicer and Trustee or
Certificateholders....................................................55
SectioAssumption or Termination of Subservicing Agreements by Trustee.......55
SectioCollection of Certain Mortgage Loan Payments; Deposits to Custodial
Account...............................................................55
SectioSubservicing Accounts; Servicing Accounts.............................58
SectioAccess to Certain Documentation and Information Regarding the
Mortgage Loans........................................................59
SectioPermitted Withdrawals from the Custodial Account......................60
SectioMaintenance of the Primary Insurance Policies; Collections Thereunder.62
SectioMaintenance of Fire Insurance and Omissions and Fidelity Coverage.....62
SectioEnforcement of Due-on-Sale Clauses; Assumption and Modification
Agreements; Certain Assignments.......................................64
SectioRealization Upon Defaulted Mortgage Loans.............................66
SectioTrustee to Cooperate; Release of Mortgage Files.......................68
SectioServicing and Other Compensation; Compensating Interest...............70
SectioReports to the Trustee and the Company................................71
SectioAnnual Statement as to Compliance.....................................71
SectioAnnual Independent Public Accountants' Servicing Report...............71
SectioRights of the Company in Respect of the Master Servicer...............72
SectioAdministration of Buydown Funds.......................................72
ARTICLE IVPAYMENTS TO CERTIFICATEHOLDERS
SectioCertificate Account...................................................74
SectioDistributions.........................................................74
SectioStatements to Certificateholders......................................83
SectioDistribution of Reports to the Trustee and the Company; Advances by the
Master Servicer.......................................................86
SectioAllocation of Realized Losses.........................................87
SectioReports of Foreclosures and Abandonment of Mortgaged Property.........88
SectioOptional Purchase of Defaulted Mortgage Loans.........................89
SectioDistributions on the Uncertificated REMIC Regular Interests...........90
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Page
Section 4.09 Compliance with Withholding Requirements.......................90
ARTICLE VTHE CERTIFICATES
SectioThe Certificates......................................................91
SectioRegistration of Transfer and Exchange of Certificates.................93
SectioMutilated, Destroyed, Lost or Stolen Certificates.....................99
SectioPersons Deemed Owners.................................................99
SectioAppointment of Paying Agent...........................................99
SectioOptional Purchase of Certificates....................................100
ARTICLE VITHE COMPANY AND THE MASTER SERVICER
SectioRespective Liabilities of the Company and the Master Servicer........102
SectioMerger or Consolidation of the Company or the Master Servicer;
Assignment of Rights and Delegation of Duties by Master Servicer.....102
SectioLimitation on Liability of the Company, the Master Servicer and Others103
SectioCompany and Master Servicer Not to Resign............................104
ARTICLE VIIDEFAULT
SectioEvents of Default....................................................105
SectioTrustee or Company to Act; Appointment of Successor..................107
SectioNotification to Certificateholders...................................108
Section 7.04. Waiver of Events of Default..................................108
ARTICLE VIIICONCERNING THE TRUSTEE
Section 8.01. Duties of Trustee............................................109
SectioCertain Matters Affecting the Trustee................................111
SectioTrustee Not Liable for Certificates or Mortgage Loans................112
SectioTrustee May Own Certificates.........................................112
SectioMaster Servicer to Pay Trustee's Fees and Expenses; Indemnification..112
SectioEligibility Requirements for Trustee.................................113
SectioResignation and Removal of the Trustee...............................114
SectioSuccessor Trustee....................................................115
SectioMerger or Consolidation of Trustee...................................115
SectioAppointment of Co-Trustee or Separate Trustee........................116
SectioAppointment of Custodians............................................117
SectioAppointment of Office or Agency......................................117
ARTICLE IXTERMINATION
SectioTermination Upon Purchase by the Master Servicer or the Company or
Liquidation of All Mortgage Loans....................................118
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SectioAdditional Termination Requirements..................................120
ARTICLE XREMIC PROVISIONS
SectioREMIC Administration.................................................122
Section 10.02. Master Servicer, REMIC Administrator and Trustee
Indemnification ...........................................125
ARTICLE XI[Reserved]
ARTICLE XIIMISCELLANEOUS PROVISIONS
SectioAmendment............................................................128
SectioRecordation of Agreement; Counterparts...............................130
SectioLimitation on Rights of Certificateholders...........................131
SectioGoverning Law........................................................132
SectioNotices..............................................................132
SectioNotices to Rating Agency.............................................132
SectioSeverability of Provisions...........................................133
SectioSupplemental Provisions for Resecuritization.........................133
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-1: Form of Investor Representation Letter
Exhibit J-2: Form of ERISA Representation Letter
Exhibit K: Form of Transferor Representation Letter
ExhibiForm of Rule 144A Investment Representation Letter
ExhibiText of Amendment to Pooling and Servicing Agreement Pursuant to Section
12.01(e) for a Limited Guaranty
Exhibit N: Form of Limited Guaranty
ExhibiForm of Lender Certification for Assignment of Mortgage Loan
Exhibit P: Schedule of Discount Fractions
Exhibit Q: Form of Request for Exchange
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This is a Pooling and Servicing Agreement, dated as of January 1, 1999,
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 REMIC
Administrator will make an election to treat the entire segregated pool of
assets described in the definition of Trust Fund (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 the "REMIC." The Class A-1, Class A-2, Class A-3, Class A-4,
Class A-5, Class A-6, Class A-7, Class A-P, Class M-1, Class M-2, Class M-3,
Class B-1, Class B-2, Class B-3 Certificates and the Uncertificated REMIC
Regular Interests will be "regular interests" in the Trust Fund and the Class R
Certificates will be the sole class of "residual interests" in the Trust Fund in
each case for purposes of the REMIC Provisions (as defined herein) under federal
income tax law. The Class A-V Certificates will represent the entire beneficial
ownership interest in the Uncertificated REMIC Regular Interests.
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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 issued on the Closing Date
comprising the interests in the Trust Fund created hereunder.
DesignaPass-Through Aggregate nitia
Rate Certificat Maturity IatingInitial
PrincipalInitFeatures ce Date RS&P Ratings
Balance e Fitch
Class A-1 6.50% $ 304,242,000.00 Senior January 25, 2029 AAA AAA
Class A-2 6.50% $ 100,000,000.00 Senior January 25, 2029 AAA AAA
Class A-3Adjustable $12,161,882.00Floater/Senior January 25, 2029 AAA AAA
Class A-4Adjustable $3,742,118.Inverse Floater/SenioJanuary 25, 2029 AAAr AAA
Class A-6Adjustable $21,147,176.00Floater/Senior January 25, 2029 AAA AAA
Class A-6Adjustable $6,506,824.Inverse Floater/SenioJanuary 25, 2029 AAAr AAA
Class A-7 6.50% $ 52,231,000.00Lockout/Senior January 25, 2029 AAA AAA
Class A-P 0.00% $ 1,351,518.Principal Only/SeniorJanuary 25, 2029 AAAr AAA
Class A-VVariabl $ 0.00 Variable Strip/IntereJanuary/25,i2029 AAAr AAA
Class R 6.50% $ 100.00 Residual January 25, 2029 AAA AAA
Class M-1 6.50% $ 10,968,200.00 Mezzanine January 25, 2029 N/A AA
Class M-2 6.50% $ 3,917,100.00 Mezzanine January 25, 2029 N/A A
Class M-3 6.50% $ 2,089,100.00 Mezzanine January 25, 2029 N/A BBB
Class B-1 6.50% $ 1,566,900.00 Subordinate January 25, 2029 N/A BB
Class B-2 6.50% $ 1,044,600.00 Subordinate January 25, 2029 N/A B
Class B-3 6.50% $ 1,305,733.92 Subordinate January 25, 2029 N/A N/A
The Mortgage Loans have an aggregate Cut-off Date Principal Balance equal
to $522,274,252.73. 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:
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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.
Accrued Certificate Interest: With respect to each Distribution Date, as
to any Class A Certificate (other than the Class A-P and Class A-V
Certificates), any Class M Certificate, any Class B Certificate or any Class R
Certificate, interest accrued during the related Interest Accrual Period 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-V Certificates (other than any Subclass of the Class A-V
Certificates), one month's interest accrued at the related Pass-Through Rate on
the related Notional Amount thereof, or, as to any Subclass of the Class A-V
Certificates issued pursuant to Section 5.01(c), one month's interest accrued at
the related Pass-Through Rate on the related Subclass Notional Amount. 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 in proportion
to their respective amounts of Accrued Certificate Interest payable on such
Distribution Date which would have resulted absent such reductions. Any portion
of the reductions described in the immediately preceding sentence that are
allocated to the Class A-V Certificates shall be allocated among the Subclasses
thereof, if any, in proportion to their respective amounts of Accrued
Certificate Interest payable on such Distribution Date which would have resulted
absent such reductions. 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
3
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such Class of Class B Certificates or such Class of Class M Certificates
pursuant to Section 4.05. The Class A-P Certificates shall not be entitled to
any Accrued Certificate Interest.
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 the
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.
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Assignment Agreement: The Assignment and Assumption Agreement, dated
January 28, 1999, between Residential Funding and the Company relating to the
transfer and assignment of the Mortgage Loans.
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), (iv) any amount to be included therein pursuant to Section
4.01(b) and (v) 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)
$165,639 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 greater than 80% that would result if the Net
Mortgage Rate thereof was equal to the greater of (I) 5% or (II) 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 with a Loan-to-Value Ratio of greater than
80% 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
with a Loan-to-Value Ratio of greater than 80% 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,
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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
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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, Series
1999-S3" 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 only a Permitted Transferee
shall be a holder of a Class R 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 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
(other than the Class A-V Certificates) 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 minus (ii) the sum of (a)
with respect to each such Certificate, 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 (b) the aggregate of all reductions in the 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
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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 the 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. The
Class A-V Certificates (or any Subclass thereof) will have no Certificate
Principal Balance.
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.
The initial Class A-V Certificates and any Subclass thereof issued pursuant to
Section 5.01(c) shall be a single Class for purposes of this Agreement.
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-P or Class A-V 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-V Certificates) evidencing an interest designated as a
"regular interest" in the Trust Fund for purposes of the REMIC Provisions. The
Class A-V Certificates will represent the entire beneficial ownership interest
in the Uncertificated REMIC Regular Interests. On and after the date of issuance
of any Subclass of Class A-V Certificates pursuant to Section 5.01(c), any such
Subclass will represent the Uncertificated REMIC Regular Interest or Interests
specified by the initial Holder of the Class A-V Certificates.
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Class A-P Collection Shortfall: With respect to the Cash Liquidation or
REO Disposition of a Discount Mortgage Loan and any Distribution Date, the
excess of the amount described in Section 4.02(b)(i)(C)(1) over the amount
described in Section 4.02(b)(i)(C)(2).
Class A-P Principal Distribution Amount: As defined in Section 4.02(b)(i).
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 the Trust
Fund 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) (other than the related Discount
Fraction of each Discount Mortgage Loan) 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 0.75%.
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) (other than the related Discount
Fraction of each Discount Mortgage Loan) 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 0.45%.
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
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Principal Balance of all the Mortgage Loans (or related REO Properties) (other
than the related Discount Fraction of each Discount Mortgage Loan) 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 0.25%.
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 the Trust
Fund 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) (other than the related Discount
Fraction of each Discount Mortgage Loan) 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) (other than the related Discount
Fraction of each Discount Mortgage Loan) 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 1.90%.
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) (other than the related Discount
Fraction of each Discount Mortgage Loan) immediately prior to such Distribution
Date.
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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 1.15%.
Class R Certificate: Any one of the Class R 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 the Trust Fund for purposes of the REMIC Provisions.
Closing Date: January 28, 1999.
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.
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 First National Plaza, Suite 0126, Chicago, Illinois
60670-0126, Attention: Residential Funding Corporation Series 1999-S3.
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.
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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: January 1, 1999.
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.
Defaulted Mortgage Loss: With respect to any Mortgage Loan, any loss that
is attributable to the Mortgagor's failure to make any payment of principal or
interest as required under the Mortgage Note, except that such loss shall not
include any Special Hazard Loss, Fraud Loss, Bankruptcy Loss, Extraordinary Loss
or other loss resulting from damage to the related Mortgaged Property or any
interest shortfalls not covered by the subordination described in Section 4.05,
including interest that is not covered by the subordination described in Section
4.05, including interest that is not collectible from the Mortgagor pursuant to
the Soldiers' and Sailors' Civil Relief Act of 1940 or similar legislation or
regulations as in effect from time to time.
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.
Delinquent: As used herein, a Mortgage Loan is considered to be: "30 to 59
days" or "30 or more days" delinquent when a payment due on any scheduled due
date remains unpaid as of the close of business on the last business day
immediately prior to the next following monthly scheduled due date; "60 to 89
days" or "60 or more days" delinquent when a payment due on any scheduled due
date remains unpaid as of the close of business on the last business day
immediately prior to the second following monthly scheduled due date; and so on.
The determination as to whether a Mortgage Loan falls into these categories is
made as of the close of business on the last business day
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of each month. For example, a Mortgage Loan with a payment due on July 1 that
remained unpaid as of the close of business on July 31 would then be considered
to be 30 to 59 days delinquent. Delinquency information as of the Cut-off Date
is determined and prepared as of the close of business on the last business day
immediately prior to the Cut-off Date.
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(5) 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.
Discount Fraction: With respect to each Discount Mortgage Loan, the
fraction expressed as a percentage, the numerator of which is 6.50% minus the
Net Mortgage Rate (or the initial Net Mortgage Rate with respect to any Discount
Mortgage Loans as to which the Mortgage Rate is modified pursuant to Section
3.07(a)) for such Mortgage Loan and the denominator of which is 6.50%. The
Discount Fraction with respect to each Discount Mortgage Loan is set forth on
Exhibit P attached hereto.
Discount Mortgage Loan: Any Mortgage Loan having a Net Mortgage Rate (or
the initial Net Mortgage Rate) of less than 6.50% per annum and any Mortgage
Loan deemed to be a Discount Mortgage Loan pursuant to the definition of
Qualified Substitute Mortgage Loan.
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
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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 the Trust Fund 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 A1 (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).
Eligible Funds: On any Distribution Date, the portion, if any, of the
Available Distribution Amount remaining after reduction by the sum of (i) the
aggregate amount of Accrued Certificate
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Interest on the Class A and Class R Certificates, (ii) the Senior Principal
Distribution Amount (determined without regard to Section 4.02(a)(ii)(Y)(D)
hereof), (iii) the Principal Only Distribution Amount (determined without regard
to Section 4.02(b)(i)(E) hereof) and (iv) the aggregate amount of Accrued
Certificate Interest on the Class M, Class B-1 and Class B-2 Certificates.
ERISA: The Employment Retirement Income Security Act of 1974, as amended.
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 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, as reduced by any such amount that is included in Section
4.02(b)(i)(E) hereof.
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, combating or defending against an actual, impending
or expected attack:
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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, combating 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 9.02.
Fitch: Fitch IBCA, Inc. 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.
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Fraud Loss Amount: As of any date of determination after the Cut-off Date,
an amount equal to: (Y) prior to the third anniversary of the Cut-off Date, an
amount equal to 1.00% 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 third 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) 0.50% 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 Cutoff 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.
Indirect Depository Participant: An institution that is not a Depository
Participant but clears through or maintains a custodial relationship with
Participants and has access to the Depository's clearing system.
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).
Initial Notional Amount: With respect to the Class A-V Certificates, the
Cut-off Date Principal Balance of the Mortgage Loans.
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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.
Interest Accrual Period: With respect to any Certificate, the calendar
month preceding the month in which such Distribution Date occurs.
Junior Certificateholder: The Holder of not less than 95% of the Percentage
Interests of the Junior Class of Certificates.
Junior Class of Certificates: The Class of Certificates outstanding as of
the date of the repurchase of a Mortgage Loan pursuant to Section 4.07 herein
that has the latest priority for payments pursuant to Section 4.02.
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.
LIBOR: With respect to any Distribution Date and the Pass-Through Rates on
the Class A-3, Class A-4, Class A-5 and Class A-6 Certificates, the arithmetic
mean of the London interbank offered rate quotations of reference banks (which
will be selected by the Trustee after consultation with the Master Servicer) for
one-month U.S. dollar deposits, expressed on a per annum basis, determined in
accordance with Section 1.02.
LIBOR Business Day: Any day other than (i) a Saturday or a Sunday or (ii)
a day on which banking institutions in the city of London, England are required
or authorized by law to be closed.
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.
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Lockout Certificates: Each of the Class A-7 Certificates.
Lockout Prepayment Percentage: For any Distribution Date occurring prior
to the Distribution Date in February 2004 will be 0%. The Lockout Prepayment
Percentage for any Distribution Date occurring after the first five years
following the Closing Date will be as follows: for any Distribution Date during
the sixth year after the Closing Date, 30%; for any Distribution Date during the
seventh year after the Closing Date, 40%; for any Distribution Date during the
eighth year after the Closing Date, 60%; for any Distribution Date during the
ninth year after the Closing Date, 80%; and for any Distribution Date
thereafter, 100%.
Lockout Scheduled Percentage: For any Distribution Date occurring prior to
the Distribution Date in February 2004 will be 0% and for any Distribution Date
thereafter, will be 100%.
Maturity Date: Solely for purposes of Section 1.860G-1(a)(4)(iii) of the
Treasury regulations, the latest possible maturity date of each "regular
interest" in the Trust Fund would be reduced to zero, which is January 25, 2029.
Modified Mortgage Loan: Any Mortgage Loan that has been the subject of a
Servicing Modification.
Modified Net Mortgage Rate: As to any Mortgage Loan that is the subject of
a Servicing Modification, the Net Mortgage Rate minus the rate per annum by
which the Mortgage Rate on such Mortgage Loan was reduced.
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 and before any
Servicing Modification that constitutes a reduction of the interest rate on such
Mortgage Loan).
Moody's: Moody's Investors Service, Inc., or its successor in interest.
Mortgage: With respect to each Mortgage Note, 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.
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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 Pool Strip 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 required.
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,
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without limitation, 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 other than a Servicing
Modification.
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-Discount Mortgage Loan: A Mortgage Loan that is not a Discount Mortgage
Loan.
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-Supported Prepayment Interest Shortfall: The amount of any Prepayment
Interest Shortfall not offset by the Master Servicer.
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. The determination by the Master
Servicer that it has made a Nonrecoverable Advance or that any proposed Advance
would constitute a Nonrecoverable Advance, shall be evidenced by an Officers'
Certificate delivered to the Company and the Trustee promptly following such
determination.
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, with respect to the Class
A-V Certificates, the aggregate Stated Principal Balance of the Mortgage Loans
immediately prior to such date.
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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
Senior Certificates (other than the Class A-P Certificates) and the denominator
of which is the aggregate Stated Principal Balance of the Mortgage Loans (other
than the Discount Fraction of the Discount Mortgage Loans), which is
approximately 95.99% 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.
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-3, Class A-4, Class A-5, Class A-6, Class A-P and Class A-V
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. With respect to the Class A-3 Certificates and the
initial Interest Accrual Period, 6.125% per annum, and as to any Interest
Accrual Period thereafter, a per annum rate equal to LIBOR plus 0.75%, subject
to a maximum rate of 8.50% per annum and a minimum rate of 0.75% per annum. With
respect to the Class A-4 Certificates and the initial Interest Accrual Period,
7.718748% per annum, and as to any Interest Accrual Period thereafter, a per
annum rate equal to 25.187498% minus the product of LIBOR and 3.25, subject to a
maximum rate of 25.187498% per annum and a minimum rate of 0.00% per annum. With
respect to the Class A-5 Certificates and the initial Interest Accrual Period,
6.275% per annum, and as to any Interest Accrual Period thereafter, a per annum
rate equal to LIBOR plus 0.90%, subject to a maximum rate of 8.50% per annum and
a minimum rate of 0.90% per annum. With respect to the Class A-6 Certificates
and the initial Interest Accrual Period, 7.231248% per annum, and as to any
Interest Accrual Period thereafter, a per annum rate equal to 24.699998% minus
the product of LIBOR and 3.25, subject to a maximum rate of 24.699998% per annum
and a minimum rate of 0.00% per annum. With respect to the Class A-V
Certificates and any Distribution Date, a rate equal to the weighted average,
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expressed as a percentage, of the Pool Strip Rates of all Corresponding Mortgage
Loans as of the Due Date in the month next preceding the month in which such
Distribution Date occurs, weighted on the basis of the respective Stated
Principal Balances of such Mortgage Loans, which Stated Principal Balances shall
be the Stated Principal Balances of such Mortgage Loans at the close of business
on the immediately preceding Distribution Date after giving effect to
distributions thereon allocable to principal to the Holders of the Certificates.
With respect to the Class A-V Certificates and the initial Distribution Date,
the Pass-Through Rate is equal to 0.3054% per annum. With respect to any
Subclass of the Class A-V Certificates and any Distribution Date, a rate equal
to the weighted average, expressed as a percentage, of the Pool Strip Rates of
all Mortgage Loans represented by such Subclass as of the Due Date in the month
next preceding the month in which such Distribution Date occurs, weighted on the
basis of the respective Stated Principal Balances of such Mortgage Loans, which
Stated Principal Balances shall be the Stated Principal Balances of such
Mortgage Loans at the close of business on the immediately preceding
Distribution Date after giving effect to distributions thereon allocable to
principal to the Holder of such Certificate (or with respect to the initial
Distribution Date, at the close of business on the Cut-off Date). The Class A-P
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 or Initial Notional
Amount thereof (in the case of any Class A-V Certificates) divided by the
aggregate Initial Certificate Principal Balance or Initial Notional Amount, as
applicable, 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
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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 and demand notes (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 or demand notes 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, that 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.
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Permitted Transferee: Any Transferee of a Class R Certificate, other than
a Disqualified Organization, any "electing large partnership" as defined in
Section 775(a) of the Code, or a NonUnited 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.
Pool Strip Rate: With respect to each Mortgage Loan, a per annum rate
equal to the excess, if any, of (a) the Net Mortgage Rate of such Mortgage Loan
on the Cut-off Date over (b) 6.50% per annum.
Prepayment Assumption: A prepayment assumption of 275% of the prepayment
speed assumption, used for determining the accrual of original issue discount,
market discount and premium on the Certificates for federal income tax purposes.
The prepayment speed assumption assumes a constant rate of prepayment of
mortgage loans of 0.20% 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 0.20% per annum in each succeeding month until the
thirtieth month, and a constant 6.00% 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 prior to the Distribution Date in
February 2004 (unless the Certificate Principal Balances of
the Class A Certificates, other than the Class A-P
Certificates, have been reduced to zero), 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
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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 (or Modified Net Mortgage Rate in the case of a Modified
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Mortgage Loan) on the Stated Principal Balance of such Mortgage Loan over the
amount of interest (adjusted to the Net Mortgage Rate (or Modified Net Mortgage
Rate in the case of a Modified Mortgage Loan)) 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 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 or otherwise 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
Modified Net Mortgage Rate plus the rate per annum at which the Servicing Fee is
calculated in the case of a Modified Mortgage Loan) (or at the Net Mortgage Rate
(or Modified Net Mortgage Rate plus the rate per annum at which the Servicing
Fee is calculated in the case of a Modified Mortgage Loan) 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
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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 Pool Strip Rate equal to or greater than that of the
Deleted Mortgage Loan. Notwithstanding any other provisions herein, (x) with
respect to any Qualified Substitute Mortgage Loan substituted for a Deleted
Mortgage Loan which was a Discount Mortgage Loan, such Qualified Substitute
Mortgage Loan shall be deemed to be a Discount Mortgage Loan and to have a
Discount Fraction equal to the Discount Fraction of the Deleted Mortgage Loan
and (y) in the event that the "Pool Strip Rate" of any Qualified Substitute
Mortgage Loan as calculated pursuant to the definition of "Pool Strip Rate" is
greater than the Pool Strip Rate of the related Deleted Mortgage Loan (i) the
Pool Strip Rate of such Qualified Substitute Mortgage Loan shall be equal to the
Pool Strip Rate of the related Deleted Mortgage Loan for purposes of calculating
the Pass-Through Rate for the Class A-V Certificates and (ii) the excess of the
Pool Strip Rate on such Qualified Substitute Mortgage Loan as calculated
pursuant to the definition of "Pool Strip Rate" over the Pool Strip Rate on the
related Deleted Mortgage Loan shall be payable to the Class R Certificates
pursuant to Section 4.02 hereof.
Rate Adjustment Date: With respect to each Distribution Date and the Class
A-3, Class A-4, Class A-5 and Class A-6 Certificates, the second LIBOR Business
Day immediately preceding the commencement of the related Interest Accrual
Period on which banks are open for dealing in foreign currency and exchange in
London, England.
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-1, Class M-2,
Class M-3, 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 the
Certificateholders 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
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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 is the subject of a Servicing Modification:
(i) to the extent constituting a reduction of the principal balance of such
Mortgage Loan, the amount of such reduction; and (ii) to the extent constituting
a reduction of the interest rate borne by the Mortgage Note, and with respect to
each respective Monthly Payment (determined by taking into account such
Servicing Modification) the interest portion of which was reduced by such
Servicing Modification, including any Monthly Payment that was or would have
been due in the month immediately following the month in which a Principal
Prepayment or the Purchase Price of such Mortgage Loan is received or is deemed
to have been received, the amount of such reduction of the interest portion
thereof. 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.
Reference Bank Rate: With respect to any Interest Accrual Period, as
follows: the arithmetic mean (rounded upwards, if necessary, to the nearest one
sixteenth of a percent) of the offered rates for United States dollar deposits
for one month which are offered by the reference banks selected by the Trustee
after consultation with the Master Servicer, as of 11:00 A.M., London, England
time, on the LIBOR Business Day prior to the immediately preceding Distribution
Date to prime banks in the London interbank market for a period of one month in
amounts approximately equal to the aggregate Certificate Principal Balance of
the Class A-3, Class A-4, Class A-5 and Class A-6 Certificates then outstanding;
provided that at least two such reference banks provide such rate. If fewer than
two offered rates appear, the Reference Bank Rate will be the arithmetic mean
(rounded upwards if necessary to the nearest 1/16%) of the rates quoted by one
or more major banks in New York City, selected by the Trustee after consultation
with the Master Servicer, as of 11:00 a.m., New York time, on such date for
loans in U.S. Dollars to leading European banks for a period of one month in
amounts approximately equal to the aggregate Certificate Principal Balance of
the Class A-3, Class A-4, Class A-5 and Class A-6 Certificates. If no such
quotations can be obtained, the rate shall be LIBOR for the prior Distribution
Date, or in the case of the first Rate Adjustment Date, 5.375%; provided
however, if, under the priorities described above, LIBOR for a Distribution Date
would be based on LIBOR for the previous Distribution Date for the third
consecutive Distribution Date, the Trustee shall select an alternative
comparable index (over which the Trustee has no control), used for determining
one-month Eurodollar lending rates that is calculated and published (or
otherwise made available) by an independent party.
REMIC: A "real estate mortgage investment conduit" within the meaning of
Section 860D of the Code.
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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 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 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, or an electronic request in a form acceptable to
the Custodian.
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.
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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.
Schedule of Discount Fractions: The schedule setting forth the Discount
Fractions with respect to the Discount Mortgage Loans, attached hereto as
Exhibit P.
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 consistent in all material respects with
those set forth in the Program Guide.
Senior Accelerated Distribution Percentage: With respect to any
Distribution Date, the percentage indicated below:
Senior Accelerated
Distribution Date Distribution Percentage
February 1999 through
January 2004.......................... 100%
February 2004 through
January 2005.......................... Senior Percentage, plus 70% of the
Subordinate Percentage
February 2005 through
January 2006.......................... Senior Percentage, plus 60% of the
Subordinate Percentage
February 2006 through
January 2007.......................... Senior Percentage, plus 40% of the
Subordinate Percentage
February 2007 through
January 2008.......................... Senior Percentage, plus 20% of the
Subordinate Percentage
February 2008 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
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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, if occurring during the sixth, seventh,
eighth, ninth or tenth year (or any year thereafter) after the Closing Date, are
less than 10%, 15%, 20%, 25% or 30%, respectively, 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 Senior Certificates (other than the Certificate
Principal Balance of the Class A-P Certificates) to zero, the Senior Accelerated
Distribution Percentage shall thereafter be 0%.
Senior Certificates: Any one of the Class A Certificates or Class R
Certificates.
Senior Interest Distribution Amount: As defined in Section 4.02(a)(i).
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 Senior Certificates (other than the
Certificate Principal Balance of the Class A-P 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 (other
than the Discount Fraction of the Discount Mortgage Loans) 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 Section 4.02(a)(ii)(X) 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)(Y), (xvi) and (xvii).
Servicing Accounts: The account or accounts created and maintained pursuant
to Section 3.08.
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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 Modification: Any reduction of the interest rate or the
outstanding principal balance of a Mortgage Loan that is in default, or for
which, in the judgment of the Master Servicer, default is reasonably
foreseeable, pursuant to a modification of such Mortgage Loan in accordance with
Section 3.07(a).
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
$5,222,743 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
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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 43.81% (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.
Standard & Poor's: Standard & Poor's, a division of The McGraw-Hill
Companies, Inc., 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.
Subclass: With respect to the Class A-V Certificates, any Subclass thereof
issued pursuant to Section 5.01(c). Any such Subclass will represent the
Uncertificated REMIC Regular Interest or Interests specified by the initial
Holder of the Class A-V Certificates pursuant to Section 5.01(c).
Subclass Notional Amount: As of any Distribution Date, with respect to any
Subclass of the Class A-V Certificates issued pursuant to Section 5.01(c), the
aggregate Stated Principal Balance of the Mortgage Loans represented by such
Subclass immediately prior to such date.
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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)(Y)(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)(Y)(B)(b) to the extent such collections are not otherwise
distributed to the Senior 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
(other than the related Discount Fraction of such Principal Prepayments in Full
and Curtailments with respect to a Discount Mortgage Loan) to the extent not
payable to the Senior 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.
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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.
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 the Trust Fund due to its classification as a REMIC 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: 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 by
foreclosure or deed in lieu of foreclosure, and
(iv) the hazard insurance policies and Primary Insurance
Policies, if any, and certain proceeds thereof.
Uncertificated Accrued Interest: With respect to each Distribution Date,
as to each Uncertificated REMIC Regular Interest, an amount equal to the
aggregate amount of Accrued Certificate Interest that would result under the
terms of the definition thereof on each such uncertificated interest, if the
Pass-Through Rate on such uncertificated interest was equal to the
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related Uncertificated Pass-Through Rate and the Notional Amount on such
uncertificated interest was equal to the related Uncertificated Notional Amount;
provided that any reduction in the amount of Accrued Certificate Interest
resulting from the allocation of Prepayment Interest Shortfalls, Realized Losses
or other amounts to the Class A-V Certificateholders pursuant to Sections
4.02(a) and 4.05 hereof shall be allocated to the Uncertificated REMIC Regular
Interests pro rata in accordance with the amount of interest accrued with
respect to each related Uncertificated Notional Amount and such Distribution
Date.
Uncertificated Notional Amount: With respect to each Uncertificated REMIC
Regular Interest, the Stated Principal Balance of the related Mortgage Loan.
Uncertificated Pass-Through Rate: With respect to each Uncertificated REMIC
Regular Interest, the related Uncertificated REMIC Regular Interest Pool Strip
Rate.
Uncertificated REMIC Regular Interests: The 1,407 uncertificated partial
undivided beneficial ownership interests in the Trust Fund, each relating to a
Mortgage Loan with a Net Mortgage Rate in excess of 6.50%, each having no
principal balance, and each bearing interest at the respective Uncertificated
Pass-Through Rate on the respective Uncertificated Notional Amount.
Uncertificated REMIC Regular Interest Pool Strip Rate: With respect to each
Uncertificated REMIC Regular Interest, the Pool Strip Rate for the Corresponding
Mortgage Loan.
Uncertificated REMIC Regular Interest Distribution Amount: With respect to
any Distribution Date, the sum of the amounts deemed to be distributed on the
Uncertificated REMIC Regular Interest for such Distribution Date pursuant to
Section 4.08(a).
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 or partnership (including an entity treated as a corporation or
partnership for federal income tax purposes) created or organized in, or under
the laws of, the United States or any state thereof or the District of Columbia
(except, in the case of a partnership, to the extent provided in regulations),
or an estate whose income is subject to United States federal income tax
regardless of its source, or a trust if a court within the United States is able
to exercise primary supervision over the administration of the trust and one or
more United States Persons have the authority to control all substantial
decisions of the trust. To the extent prescribed in regulations by the Secretary
of the Treasury, which have not yet been issued, a trust which was in existence
on August 20, 1996 (other than a trust treated as owned by the grantor under
subpart E of part I of subchapter J of chapter 1 of the Code), and which
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was treated as a United States person on August 20, 1996 may elect to continue
to be treated as a United States person notwithstanding the previous sentence.
Voting Rights: The portion of the voting rights of all of the Certificates
which is allocated to any Certificate. 98% of all of the Voting Rights shall be
allocated among Holders of Certificates, other than the Class A-V and Class R
Certificates, in proportion to the outstanding Certificate Principal Balances of
their respective Certificates; 1% of all Voting Rights shall be allocated among
the Holders of the Class A-V Certificates (and any Subclass thereof); and 1% of
all Voting Rights shall be allocated among Holders of the Class R Certificates,
respectively, allocated among the Certificates of each such Class in accordance
with their respective Percentage Interests.
Section 1.02. Determination of LIBOR.
LIBOR applicable to the calculation of the Pass-Through Rates on the Class
A-3, Class A-4, Class A-5 and Class A-6 Certificates for any Interest Accrual
Period (other than the initial Interest Accrual Period) will be determined on
each Rate Adjustment Date as follows:
For any Interest Accrual Period other than the first Interest Accrual
Period, the rate for United States dollar deposits for one month which appears
on the Telerate Screen Page 3750 as of 11:00 A.M., London, England time, on the
second LIBOR Business Day prior to the first day of such Interest Accrual
Period. For the first Interest Accrual Period, LIBOR equals 5.375% with respect
to the Class A-3, Class A-4, Class A-5 and Class A-6 Certificates. If such rate
does not appear on such page (or such other page as may replace that page on
that service, or if such service is no longer offered, such other service for
displaying LIBOR or comparable rates as may be reasonably selected by the
Trustee after consultation with the Master Servicer), the rate will be the
Reference Bank Rate. If no such quotations can be obtained and no Reference Bank
Rate is available, LIBOR will be LIBOR applicable to the preceding Distribution
Date; provided however, if, under the priorities described above, LIBOR for a
Distribution Date would be based on LIBOR for the previous Distribution Date for
the third consecutive Distribution Date, the Trustee shall select an alternative
comparable index (over which the Trustee has no control), used for determining
one-month Eurodollar lending rates that is calculated and published (or
otherwise made available) by an independent party.
The establishment of LIBOR by the Trustee on any Rate Adjustment Date and
the Trustee's subsequent calculation of the Pass-Through Rates applicable to the
Class A-3, Class A-4, Class A-5 and Class A-6 Certificates for the relevant
Interest Accrual Period, in the absence of manifest error, will be final and
binding.
Promptly following each Rate Adjustment Date the Trustee shall supply the
Master Servicer with the results of its determination of LIBOR on such date.
Furthermore, the Trustee will supply to any Certificateholder so requesting by
telephone the Pass-Through Rates on the Class A-3, Class A-4, Class A-5 and
Class A-6 Certificates for the current and the immediately preceding Interest
Accrual Periods.
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ARTICLE II
CONVEYANCE OF MORTGAGE LOANS;
ORIGINAL ISSUANCE OF CERTIFICATES
Section 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) with respect to each Mortgage
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) 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.
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(c) The Company may, in lieu of delivering the documents set forth in
Section 2.01(b)(iv) and (v) 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 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)(iv) and (v) (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)(iv) and (v) 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 (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. If any Assignment 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, 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.
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In the event that the Company delivers to the Trustee or Custodian any
Mortgage Note or Assignment of Mortgage in blank, the Company shall, or shall
cause the Custodian to, complete the endorsement of the Mortgage Note and the
Assignment of Mortgage in the name of the Trustee within 45 days after the
Closing Date, as contemplated by Section 2.02.
Any of the items set forth in Sections 2.01(b)(iv) and (v) 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 be construed as a sale
by the Company to the Trustee of the Mortgage Loans for the benefit of the
Certificateholders. Further, it is not intended that such conveyance be deemed
to be a pledge of the Mortgage Loans by the Company to the Trustee to secure a
debt or other obligation of the Company. However, in the event that the Mortgage
Loans 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, 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 Section 2.01 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 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 and
(C) 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, letters of credit, advices of credit, investment property
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, Sections 9-115, 9-305, 8-102,
8-301, 8-501 and 8-503 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, securities intermediaries, bailees or agents of, or persons
holding for, (as applicable) the Trustee for the purpose of perfecting such
security interest under applicable law.
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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 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 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 or (3) any transfer of any interest of
Residential Funding or the Company in any Mortgage Loan.
(f) The Master Servicer hereby acknowledges the receipt by it of cash in
an amount equal to $530,915 (the "Initial Monthly Payment Fund"), representing
scheduled principal amortization and interest at the Net Mortgage Rate for the
Due Date in February 1999, 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 February 1999. Notwithstanding anything herein to the
contrary, the Initial Monthly Payment Fund shall not be an asset of the REMIC.
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 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
Sections 2.01(b)(i) through (iii) above (except that for purposes of such
acknowledgment 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. The Trustee or
Custodian (such Custodian being so obligated under a Custodial Agreement)
agrees, for the benefit of the Certificateholders, 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
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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 the Trust Fund 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)(3) 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 the Certificateholders or the Trustee on behalf of the
Certificateholders. Notwithstanding the foregoing, it is understood and agreed
that the Master Servicer shall use its best efforts to substitute, within 60
days of the Closing Date, Qualified Substitute Mortgage Loans to replace any of
the Mortgage Loans identified on Schedule I hereto with respect to which any
document or documents constituting a part of the Mortgage File are missing or
defective in any material respect if the Master Servicer cannot cure such
omission or defect within such 60 day period.
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Section 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 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;
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(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 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)(3) 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 or the Trustee on behalf of the
Certificateholders.
(b) The Company hereby represents and warrants to the Trustee for the
benefit of the Certificateholders 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;
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(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, 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 25% of the principal balance of the
Mortgage Loan at origination if the Loan-to-Value Ratio is between 95.00%
and 90.01% and (b) at least 12% of such balance if the Loan-to-Value Ratio
is between 90.00% and 80.01%, except in the case of one Mortgage Loan
which had a Loan-to-Value Ratio of 84.00%. 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, and no more
than 0.7% 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;
(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) None of the Mortgage Loans were underwritten under a reduced
loan documentation program requiring no income verification and no asset
verification;
(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;
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(xi) None 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 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;
(xv) Interest on each Mortgage Loan is calculated on the basis of
a 360-day year consisting of twelve 30-day months; and
(xvi) One 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 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)(3) 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
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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 or the Trustee on behalf of the Certificateholders.
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 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 the
Certificateholders 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
Certificate-
holders. 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 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; provided 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 cure or 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 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 will include the Monthly
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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, and, if the Deleted Mortgage Loan was a Discount
Mortgage Loan, the Schedule of Discount Fractions, for the benefit of the
Certificateholders 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, and, if the Deleted
Mortgage Loan was a Discount Mortgage Loan, the amended Schedule of Discount
Fractions, 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 or the Trustee
on behalf of the Certificateholders. 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
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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 Execution and Authentication of 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 the Trust Fund, 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 Certificates in authorized denominations which evidence
ownership of the entire Trust Fund.
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ARTICLE III
ADMINISTRATION AND SERVICING
OF MORTGAGE LOANS
Section 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 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 cause the Trust Fund 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 (i) may perform
services such as appraisals and brokerage services that are customarily provided
by Persons other than servicers of mortgage loans, and shall be entitled to
reasonable compensation therefor in accordance with Section 3.10 and (ii) may,
at its own discretion and on behalf of the Trustee, obtain credit information in
the form of a "credit score" from a credit repository.
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(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, 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 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.
(b) As part of its servicing activities hereunder, the Master Servicer,
for the benefit of the Trustee and the Certificateholders, shall use its best
reasonable efforts to enforce the obligations
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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 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 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 and the
Certificateholders 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
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indemnification of the Master Servicer and nothing contained in this Agreement
shall be deemed to limit or modify such indemnification.
Section No Contractual Relationship Between Subservicer and Trustee or
Certificateholders.
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 and the
Certificateholders 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 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 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
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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. 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; provided,
however, that no such extension shall be made if any advance would be a
Nonrecoverable Advance. 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 (taking into account any estimated
Realized Loss that might result absent such action); 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;
and provided, further, that no such modification shall reduce the interest rate
on a Mortgage Loan below the sum of the Pool Strip Rate and the sum of the rates
at which the Servicing Fee and the Subservicing Fee with respect to such
Mortgage Loan accrues. 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.
(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
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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
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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 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 (or Modified Net Mortgage Rate plus the
rate per annum at which the Servicing Fee accrues in the case of a Modified
Mortgage Loan) 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
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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 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
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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 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, 3.07(a),
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 (or Modified Net Mortgage Rate in the
case of a Modified Mortgage Loan) 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
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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 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, any Advance made in connection with a
modification of a Mortgage Loan that is in default or, in the judgment of
the Master Servicer, default is reasonably foreseeable pursuant to Section
3.07(a), to the extent the amount of the Advance has been added to the
outstanding principal balance of the Mortgage Loan, 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 the
Certificateholders (and not theretofore reimbursed to the Master Servicer or the
related Subservicer).
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Section 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 and the Certificateholders, 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 Maintenance of Fire Insurance and Omissions and Fidelity Coverage.
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(a) The Master Servicer shall cause to be maintained for each Mortgage
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, 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, 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 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
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to present, on behalf of itself, the Trustee and the Certificateholders, 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 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
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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 (a) 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 (b) cause the Trust Fund to fail to qualify as a REMIC under the
Code or (subject to Section 10.01(f)), result in the imposition of any tax on
"prohibited transactions" or constitute "contributions" after the start-up date
under the REMIC Provisions. 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 in writing 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 the Trust Fund 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 such 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.
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(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 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
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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 the
Trust Fund 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 the Certificateholders. 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 the Trust Fund 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 the Trust Fund acquires any REO Property as
aforesaid or otherwise in connection with a default or imminent default on a
Mortgage Loan, the Master Servicer on behalf of the Trust Fund shall dispose of
such REO Property within three years after its acquisition by the Trust Fund for
purposes of Section 860G(a)(8) of the Code or, at the expense of the Trust Fund,
request, more than 60 days before the day on which the three-year grace period
would otherwise
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expire, an extension of the three-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 the Trust Fund of such REO Property subsequent to such three-year period will
not result in the imposition of taxes on "prohibited transactions" as defined in
Section 860F of the Code or cause the Trust Fund to fail to qualify as a REMIC
at any time that any Certificates are outstanding, in which case the Trust Fund
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 the Trust Fund shall be rented (or
allowed to continue to be rented) or otherwise used by or on behalf of the Trust
Fund 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 the Trust Fund 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 the Trust Fund 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 to the extent of
accrued and unpaid interest on the Mortgage Loan, and any related REO Imputed
Interest, at the Net Mortgage Rate (or the Modified Net Mortgage Rate in the
case of a Modified Mortgage Loan), 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) (provided that if any such Class of Certificates to which such
Realized Loss was allocated is no longer outstanding, such subsequent recovery
shall be distributed to the persons who were the Holders of such Class of
Certificates when it was retired); 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 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 or,
in the case of the Custodian, an electronic request in a form acceptable to the
Custodian, requesting
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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 hereto as Exhibit H or, in the case of the Custodian, an
electronic request in a form acceptable to the Custodian, 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.
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Section 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).
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Section 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 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 relating to this Agreement 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 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, which shall be
members of the American Institute of Certified 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
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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 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 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
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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.
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ARTICLE IV
PAYMENTS TO CERTIFICATEHOLDERS
Section 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, 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 Distributions.
(a) On each Distribution Date (x) the Master Servicer on behalf of the
Trustee or (y) the Paying Agent appointed by the Trustee, shall distribute 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
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Certificate Register such Certificateholder's share (which share (A) with
respect to each Class of Certificates (other than any Subclass of the Class A-V
Certificates), shall be based on the aggregate of the Percentage Interests
represented by Certificates of the applicable Class held by such Holder or (B)
with respect to any Subclass of the Class A-V Certificates shall be equal to the
amount (if any) distributed pursuant to Section 4.02(a)(i) below to the initial
Holder of the Class A-V Certificates or to each Holder of a Subclass thereof, as
applicable) 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-P
Certificateholders) and Class R Certificateholders, on a pro rata basis
based on Accrued Certificate Interest payable on such Certificates with
respect to such Distribution Date, Accrued Certificate Interest on such
Classes of Certificates (or Subclasses, if any, with respect to the Class
A-V Certificates), as applicable, for such Distribution Date, plus any
Accrued Certificate Interest thereon remaining unpaid from any previous
Distribution Date except as provided in the last paragraph of this Section
4.02(a) (the "Senior Interest Distribution Amount");
(ii) (X) to the Class A-P Certificateholders, the Class A-P
Distribution Amount; and
(Y) to the Class A Certificateholders (other than Class A-P
Certificateholders) and Class R Certificateholders, in the priorities and
amounts set forth in Section 4.02(b)(ii) through (v) and Sections 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 (other than the related Discount Fraction of the
principal portion of such payment with respect to a Discount
Mortgage Loan), whether or not received on or prior to the
related Determination Date, minus the principal portion of
any Debt Service Reduction (other than the related Discount
Fraction of the principal portion of such Debt Service
Reductions with respect to each Discount Mortgage Loan)
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
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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 (other
than the related Discount Fraction of such Stated Principal
Balance or shortfall with respect to a Discount Mortgage
Loan); 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)(Y)(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 (other than the related Discount Fraction of the
principal portion of such unscheduled collections with
respect to a Discount Mortgage Loan);
(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 (other
than the related Discount Fraction of such Stated Principal
Balance, with respect to a Discount 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 (in each case other than the portion of such
unscheduled collections, with respect to a Discount Mortgage Loan
included in Section 4.02(b)(i)(C));
(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
(other than the related Discount Fraction of such Principal
Prepayments in Full and Curtailments, with respect to a Discount
Mortgage Loan);
(D) any Excess Subordinate Principal Amount for such
Distribution Date; and
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(E) any amounts described in subsection (ii)(Y), clauses (A)
through (C) 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 (E) 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 (x) the Subordinate Principal Distribution Amount for such Class of
Certificates for such Distribution Date, minus (y) the amount of any Class
A-P Collection Shortfalls for such Distribution Date or remaining unpaid
for all previous Distribution Dates, to the extent the amounts available
pursuant to clause (x) of Sections 4.02(a)(vii), (ix), (xi), (xiii), (xiv)
and (xv) are insufficient therefor, 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 (x) the Subordinate Principal Distribution Amount for such Class
of Certificates for such Distribution Date, minus (y) the amount of any
Class A-P Collection Shortfalls for such Distribution Date or remaining
unpaid for all previous Distribution Dates, to the extent the amounts
available pursuant to clause (x) of Sections 4.02(a)(ix), (xi), (xiii),
(xiv) and (xv) are insufficient therefor, 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;
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(ix) to the Holders of the Class M-3 Certificates, an amount equal
to (x) the Subordinate Principal Distribution Amount for such Class of
Certificates for such Distribution Date minus (y) the amount of any Class
A-P Collection Shortfalls for such Distribution Date or remaining unpaid
for all previous Distribution Dates, to the extent the amounts available
pursuant to clause (x) of Sections 4.02(a)(xi), (xiii), (xiv) and (xv) are
insufficient therefor, 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 (x) the Subordinate Principal Distribution Amount for such Class of
Certificates for such Distribution Date minus (y) the amount of any Class
A-P Collection Shortfalls for such Distribution Date or remaining unpaid
for all previous Distribution Dates, to the extent the amounts available
pursuant to clause (x) of Sections 4.02(a)(xiii), (xiv) and (xv) are
insufficient therefor, 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 (x) the Subordinate Principal Distribution Amount for such Class
of Certificates for such Distribution Date minus (y) the amount of any
Class A-P Collection Shortfalls for such Distribution Date or remaining
unpaid for all previous Distribution Dates, to the extent the amounts
available pursuant to clause (x) of Sections 4.02(a)(xiv) and (xv) are
insufficient therefor, 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 (x) 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 minus
(y) the amount of any Class A-P Collection Shortfalls for such
Distribution Date or remaining unpaid for all previous Distribution Dates
to the extent the amounts available pursuant to clause (x) of Section
4.02(a)(xv) are insufficient therefor;
(xv) to the Holders of the Class B-3 Certificates, an amount equal
to (x) the Subordinate Principal Distribution Amount for such Class of
Certificates for such Distribution Date minus (y) the amount of any Class
A-P Collection Shortfalls for such
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Distribution Date or remaining unpaid for all previous Distribution Dates
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 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 from any
previous Distribution Date will be distributable only to the extent that such
unpaid Accrued Certificate Interest was attributable to interest shortfalls
relating to the failure of the Master Servicer to make any required Advance, or
the determination by the Master Servicer that any proposed Advance would be a
Nonrecoverable Advance 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-V Certificates) 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) first, to the Class A-P Certificates, until the Certificate
Principal Balance thereof is reduced to zero, an amount (the "Class A-P
Distribution Amount") equal to the aggregate of:
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(A) the related Discount Fraction of the principal portion
of each Monthly Payment on each Discount Mortgage Loan due during
the related Due Period, whether or not received on or prior to the
related Determination Date, minus the Discount Fraction of the
principal portion of any related Debt Service Reduction which
together with other Bankruptcy Losses exceeds the Bankruptcy
Amount;
(B) the related Discount Fraction of the principal portion
of all unscheduled collections on each Discount Mortgage Loan
received during the preceding calendar month (other than amounts
received in connection with a Cash Liquidation or REO Disposition
of a Discount Mortgage Loan described in clause (C) below),
including Principal Prepayments in Full, Curtailments and
repurchases (including deemed repurchases under Section 3.07(b))
of Discount Mortgage Loans (or, in the case of a substitution of a
Deleted Mortgage Loan, the Discount Fraction of the amount of any
shortfall deposited in the Custodial Account in connection with
such substitution);
(C) in connection with the Cash Liquidation or REO
Disposition of a Discount Mortgage Loan that 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 (1) the applicable Discount Fraction of the Stated
Principal Balance of such Discount Mortgage Loan immediately prior
to such Distribution Date and (2) the aggregate amount of the
collections on such Discount Mortgage Loan to the extent applied
as recoveries of principal;
(D) any amounts allocable to principal for any previous
Distribution Date (calculated pursuant to clauses (A) through (C)
above) that remain undistributed; and
(E) the amount of any Class A-P Collection Shortfalls for
such Distribution Date and the amount of any Class A-P Collection
Shortfalls remaining unpaid for all previous Distribution Dates,
but only to the extent of the Eligible Funds for such Distribution
Date;
(ii) the Senior Principal Distribution Amount shall be distributed
to the Class A-7 Certificates in reduction of the Certificate Principal
Balance thereof, in an amount equal to the sum of the following:
(A) the Lockout Scheduled Percentage of the Class A-7
Certificates' pro rata share (based on the Certificate
Principal Balance thereof relative to the aggregate
Certificate Principal Balance of all classes of Certificates
(other than the Class A-P Certificates)) of the aggregate of
amounts described in clauses (ii)(Y)(A), (B) and (E) of
Section 4.02(a)
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(without application of the Senior Percentage and Senior
Accelerated Distribution Percentage); and
(B) the Lockout Prepayment Percentage of the Class A-7
Certificates' pro rata share (based on the Certificate
Principal Balance thereof relative to the aggregate
Certificate Principal Balance of all classes of Certificates
(other than the Class A-P Certificates)) of the aggregate of
amounts described in clauses (ii)(Y)(C) of Section 4.02(a)
(without application of the Senior Accelerated Distribution
Percentage);
provided that, if the aggregate of the amounts set forth in
clauses (ii)(Y)(A), (B), (C) and (E) of Section 4.02(a) is more
than the balance of the Available Distribution Amount remaining
after the Senior Interest Distribution Amount and the Class A-P
Distribution Amount have been distributed, the amount paid to the
Class A-7 Certificates pursuant to this clause (ii) shall be
reduced by an amount equal to the Class A-7 Certificates' pro rata
share (based on the aggregate Certificate Principal Balance
thereof relative to the aggregate Certificate Principal Balance of
the Senior Certificates (other than the Class A-P Certificates))
of such difference;
(iii) the balance, if any, of the Senior Principal Distribution
Amount remaining after the distribution described in clause (ii) above,
shall be distributed to the Class R Certificates, until the Certificate
Principal Balance thereof has been reduced to zero;
(iv) the balance of the Senior Principal Distribution Amount
remaining after the distributions described in clauses (ii) and (iii)
above shall be distributed in the following order of priority:
first, concurrently, 72.4133991517% to the Class A-1
Certificates and 27.5866008483% to the Class A-2
Certificates, until the Certificate Principal Balance of the
Class A-2 Certificates has been reduced to zero;
second, concurrently on a pro rata basis, to the Class A-1,
Class A-3 and Class A-4 Certificates, until the Certificate
Principal Balances thereof have been reduced to zero;
third, concurrently on a pro rata basis, to the Class A-5
Certificates and Class A-6 Certificates, until the
Certificate Principal Balances thereof have been reduced to
zero; and
fourth, to the Class A-7 Certificates, until the Certificate
Principal Balance thereof has been reduced to zero.
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(c) On or after the occurrence of the Credit Support Depletion Date, all
priorities relating to distributions as described above in respect of principal
among the Senior Certificates (other than the Class A-P Certificates) will be
disregarded and an amount equal to the Discount Fraction of the principal
portion of scheduled or unscheduled payments received or advanced in respect of
Discount Mortgage Loans will be distributed to the Class A-P Certificates, and
the Senior Principal Distribution Amount will be distributed to the Senior
Certificates (other than the Class A-P Certificates) remaining pro rata in
accordance with their respective outstanding Certificate Principal Balances and
the amount set forth in Section 4.02(a)(i) herein will be distributed as set
forth therein.
(d) After reduction of the Certificate Principal Balances of the Senior
Certificates (other than the Class A-P Certificates) to zero but prior to the
Credit Support Depletion Date, the Senior Certificates (other than the A-P
Certificates) will be entitled to no further distributions of principal thereon
and the Available Distribution Amount will be paid solely to the holders of the
Class A-P Certificates, Class A-V Certificates, Class M Certificates and Class B
Certificates in each case as described herein.
(e) 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 Class or Classes to which such
Realized Loss was allocated, if applicable (with the amounts to be distributed
allocated among such Classes in the same proportions as such Realized Loss was
allocated), and within each such Class to the Certificateholders of record as of
the Record Date immediately preceding the date of such distribution (or if such
Class of Certificates is no longer outstanding, to the Certificateholders of
record at the time that such Realized Loss was allocated); provided that no such
distribution to any Class of Certificates of subsequent recoveries related to a
Mortgage Loan shall exceed, either individually or in the aggregate and together
with any other amounts paid in reimbursement therefor, the amount of the related
Realized Loss that was allocated to such Class of Certificates. Notwithstanding
the foregoing, no such distribution shall be made with respect to the
Certificates of any Class to the extent that either (i) such Class was protected
against the related Realized Loss pursuant to any instrument or fund established
under Section 12.01(e) or (ii) such 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 shall be distributed by the Master
Servicer to the Certificateholders of record as of the Record Date immediately
preceding the date of such distribution (i) with respect to
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the Certificates of any Class (other than the Class A-V Certificates, on a pro
rata basis based on the Percentage Interest represented by each Certificate of
such Class as of such Record Date and (ii) with respect to the Class A-V
Certificates, or any Subclass thereof to which the related Realized Loss (or
portion thereof) was previously allocated. 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.
(f) 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.
(g) 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 Statements to Certificateholders.
(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 and the Company
a statement setting forth the following information as to 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;
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(ii) the amount of such distribution to Holders of such Class of
Certificates allocable to interest;
(iii) if the distribution to the Holders of such Class of
Certificates is less than the full amount that would be distributable to
such Holders 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) 30-59 days, (B) 60-89 days and (C) 90 or
more days 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 Pool Strip Rate for such Distribution
Date and the Pass-Through Rate on the Class A-V Certificates and each
Subclass, if any, thereof;
(xiii) the occurrence of the Credit Support Depletion Date;
(xiv) the Senior Accelerated Distribution Percentage applicable to
such distribution;
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(xv) the Senior Percentage, Lockout Scheduled Percentage and Lockout
Prepayment 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;
(xix) the weighted average Mortgage Rates of the Mortgage Loans
after giving effect to the amounts distributed on such Distribution Date;
and
(xx) each Notional Amount and Subclass Notional Amount.
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 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
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necessary and appropriate, in the Master Servicer's sole discretion, for
purposes of satisfying applicable reporting requirements under Rule 144A.
Section 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 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 the Rounding
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 Servicing
Modifications, 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 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
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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 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, REO Disposition or
Servicing Modification (to the extent constituting a reduction of the principal
balance of the Mortgage Loan) that occurred during the related Prepayment Period
or in the case of a Servicing Modification that constitutes a reduction of the
interest rate on a Mortgage Loan, the amount of the reduction in the interest
portion of the Monthly Payment due in the month in which such Distribution Date
occurs. 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,
if such Realized
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Losses are on a Discount Mortgage Loan, to the Class A-P Certificates, in an
amount equal to the Discount Fraction of the principal portion thereof, and the
remainder of such Realized Losses and the entire amount of such Realized Losses
on Non-Discount Mortgage Loans among all the Class A Certificates (other than
the Class A-P Certificates) and Class R Certificates, and in respect of the
interest portion of such Realized Losses on a pro rata basis, as described
below. Any Excess Special Hazard Losses, Excess Bankruptcy Losses, Excess Fraud
Losses and Extraordinary Losses on Non-Discount Mortgage Loans will be allocated
among the Class A (other than the Class A-P Certificates), Class M, Class B and
Class R Certificates, and in respect of the interest portion of such Realized
Losses, on a pro rata basis, as described below. The principal portion of such
losses on Discount Mortgage Loans will be allocated to the Class A-P
Certificates in an amount equal to the related Discount Fraction thereof, and
the remainder of such losses on Discount Mortgage Loans will be allocated among
the Class A Certificates (other than the Class A-P Certificates), Class M, Class
B and Class R Certificates 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 means an allocation on a pro
rata basis, among the various Classes so specified, to each such Class of
Certificates on the basis of their then outstanding Certificate Principal
Balances 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 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. 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 (other than the Class A-V Certificates) evidenced
thereby. All Realized Losses and all other losses allocated to the Class A-V
Certificates hereunder will be allocated to the Class A-V Certificates and, if
any Subclasses thereof have been issued pursuant to Section 5.01(c), such
Realized Losses and other losses shall be allocated among the Subclasses of such
Class in proportion to the respective amounts of Accrued Certificate Interest
payable on such Distribution Date that would have resulted absent such
reductions.
Section Reports of Foreclosures and Abandonment of Mortgaged Property.
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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 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, the Trustee or the Trust Fund
whereupon the Master Servicer shall succeed to all of 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, unless the
Master Servicer shall have exercised its right to repurchase a Mortgage Loan
pursuant to this Section 4.07 upon the written request of and with funds
provided by the Junior Certificateholder and thereupon transferred such Mortgage
Loan to the Junior Certificateholder,
(a) the Master Servicer shall continue to service such Mortgage Loan after
the date of its 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 to the Class or Classes of Certificates that would have borne such
Realized Loss in accordance with the terms hereof as if such Mortgage Loan had
not been so purchased; and
(b) 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
the amount of any Realized Loss shall be recoverable pursuant to the provisions
for the recovery of unreimbursed Advances under Section 4.02(a) or, to the
extent not recoverable under such provisions, as a Nonrecoverable Advance as set
forth herein.
If, however, the Master Servicer shall have exercised its right to
repurchase a Mortgage Loan pursuant to this Section 4.07 upon the written
request of and with funds provided by the Junior
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Certificateholder and thereupon transferred such Mortgage Loan to the Junior
Certificateholder, Sections 4.07(a) and (b) above shall no longer apply and no
Realized Loss with respect to such Mortgage Loan shall be allocated to any Class
of Certificates. The Master Servicer shall notify the Trustee in writing of any
such repurchase.
Section Distributions on the Uncertificated REMIC Regular Interests.
(a) On each Distribution Date the Trustee shall be deemed to
distribute to itself, as the holder of the Uncertificated REMIC Regular
Interests, Uncertificated Accrued Interest on the Uncertificated REMIC Regular
Interests for such Distribution Date, plus any Uncertificated Accrued Interest
thereon remaining unpaid from any previous Distribution Date.
(b) In determining from time to time the Uncertificated REMIC
Regular Interest Distribution Amounts, Realized Losses allocated to the Class
A-V Certificates under Section 4.05 shall be deemed allocated to Uncertificated
REMIC Regular Interests on a pro rata basis based on the Uncertificated Accrued
Interest for the related Distribution Date.
(c) On each Distribution Date, the Trustee shall be deemed to
distribute from the Trust Fund, in the priority set forth in Section 4.02(a), to
the Class A-V Certificates, the amounts distributable thereon from the
Uncertificated REMIC Regular Interest Distribution Amounts deemed to have been
received by the Trustee from the Trust Fund under this Section 4.08. The amount
deemed distributable hereunder with respect to the Class A-V Certificates shall
equal 100% of the amounts payable with respect to the Uncertificated REMIC
Regular Interests.
(d) Notwithstanding the deemed distributions on the Uncertificated
REMIC Regular Interests described in this Section 4.08, distributions of funds
from the Certificate Account shall be made only in accordance with Section 4.02.
Section 4.09 Compliance with Withholding Requirements.
Notwithstanding any other provision of this Agreement, the Trustee or any
Paying Agent, as applicable, shall comply with all federal withholding
requirements respecting payments to Certificateholders, including interest or
original issue discount payments or advances thereof that the Trustee or any
Paying Agent, as applicable, reasonably believes are applicable under the Code.
The consent of Certificateholders shall not be required for such withholding. In
the event the Trustee or any Paying Agent, as applicable, does withhold any
amount from interest or original issue discount payments or advances thereof to
any Certificateholder pursuant to federal withholding requirements, the Trustee
or any Paying Agent, as applicable, shall indicate the amount withheld to such
Certificateholders pursuant to the terms of such requirements.
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ARTICLE V
THE CERTIFICATES
Section 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 and in the case of any Certificates issued on the Closing Date, upon
receipt by the Trustee or one or more Custodians of the documents specified in
Section 2.01. The Certificates, other than the Class A-V and Class R
Certificates, shall be issuable in minimum dollar denominations of $25,000 (or
$250,000 in the case of the Class M-2, Class M-3, Class B-1, Class B-2 and Class
B-3 Certificates) and integral multiples of $1 (or $1,000 in the case of the
Class A-P, Class B-1, Class B-2 and Class B-3 Certificates) in excess thereof,
except that one Certificate of each of the Class A-P, Class M-1, Class M-2,
Class M-3, Class B-1, Class B-2 and Class B-3 Certificates may be issued in a
denomination equal to the denomination set forth as follows for such Class or
the sum of such denomination and an integral multiple of $1,000:
Class A-P $25,518.81
Class M-1 $25,200.00
Class M-2 $250,100.00
Class M-3 $250,100.00
Class B-1 $250,900.00
Class B-2 $250,600.00
Class B-3 $250,733.92
The Class A-V Certificates and the Class R Certificates shall be issuable
in minimum denominations of not less than a 20% Percentage Interest (except as
provided in Section 5.01(c) with respect to the Class A-V Certificates);
provided, however, that one Class R 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%.
Each Subclass of the Class A-V Certificates shall be issuable in minimum
denominations of not less than a 100% Percentage Interest, except as provided in
Section 5.01(c).
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
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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-P and Class A-V
Certificates, and the Class M 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 Certificate Owners shall hold their respective Ownership Interests
in and to each of the Class A Certificates, other than the Class A-P
Certificates and Class A-V Certificates, and the Class M 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.
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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.
(c) From time to time Residential Funding, as the initial Holder of the
Class A-V Certificates, may exchange such Holder's Class A-V Certificates for
Subclasses of Class A-V Certificates to be issued under this Agreement by
delivering a "Request for Exchange" substantially in the form attached hereto as
Exhibit Q executed by an authorized officer, which Subclasses, in the aggregate,
will represent the Uncertificated REMIC Regular Interests corresponding to the
Class A-V Certificates so surrendered for exchange. Any Subclass so issued shall
bear a numerical designation commencing with Class A-V-1 and continuing
sequentially thereafter, and will evidence ownership of the Uncertificated REMIC
Regular Interest or Interests specified in writing by such initial Holder to the
Trustee. The Trustee may conclusively, without any independent verification,
rely on, and shall be protected in relying on, Residential Funding's
determinations of the Uncertificated REMIC Regular Interests corresponding to
any Subclass, the initial Class A-V Subclass Notional Amount and the initial
Pass-Through Rate on a Subclass as set forth in such Request for Exchange and
the Trustee shall have no duty to determine if any Uncertificated REMIC Regular
Interest designated on a Request for Exchange corresponds to a Subclass which
has previously been issued. Each Subclass so issued shall be substantially in
the form set forth in Exhibit A and shall, on original issue, be executed and
delivered by the Trustee to the Certificate Registrar for authentication and
delivery in accordance with Section 5.01(a). Every Certificate presented or
surrendered for transfer or exchange by the initial Holder shall (if so required
by the Trustee or the Certificate Registrar) be duly endorsed by, or be
accompanied by a written instrument of transfer attached to such Certificate and
shall be completed to the satisfaction of the Trustee and the Certificate
Registrar duly executed by, the initial Holder thereof or his attorney duly
authorized in writing. The Certificates of any Subclass of Class A-V
Certificates may be transferred in whole, but not in part, in accordance with
the provisions of Section 5.02.
Section Registration of Transfer and Exchange of Certificates.
(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 M,
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Class B or Class R Certificate, upon satisfaction of the conditions set forth
below, and in the case of any other Certificate, 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 (or Subclass)
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 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 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 (except that, if such transfer is made by the Company or the
Master Servicer or any Affiliate thereof, the Company or the Master Servicer
shall provide such Opinion of Counsel at their own expense); provided that such
Opinion of Counsel will not be required in connection with the initial transfer
of any such Certificate by the Company or any Affiliate thereof to the Company
or an Affiliate of the Company and (B) the Trustee shall require the transferee
to execute a representation letter, substantially in the form of Exhibit J-1
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; provided, however, that such representation letters will
not be required in connection with any transfer of any such Certificate by the
Company or any Affiliate thereof to the Company or an Affiliate of the Company,
and the Trustee shall be entitled to conclusively rely upon a representation
(which, upon the request of the Trustee, shall be written representation) from
the Company, of the status of such transferee as an Affiliate of the Company 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
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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) In the case of any Class M, Class B or Class R Certificate presented
for registration in the name of any Person, either (i) 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 such 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 (or
comparable provisions of any subsequent enactments), 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 or
(ii) the prospective transferee shall be required to provide the Trustee, the
Company and the Master Servicer with a certification to the effect set forth in
paragraph six of Exhibit J-1 (with respect to any Class B Certificate), Exhibit
J-2 (with respect to any Class M Certificate) or with a certification to the
effect set forth in paragraph fourteen of Exhibit I-1 (with respect to any Class
R Certificate), 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 either (a) 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 (each, a "Plan Investor") or (b) in the case of
any Class M Certificate or Class B Certificate, the following conditions are
satisfied: (i) such Transferee is an insurance company, (ii) the source of funds
used to purchase or hold such Certificate (or interest therein) is an "insurance
company general account" (as defined in U.S. Department of Labor Prohibited
Transaction Class Exemption ("PTCE") 95-60, and (iii) the conditions set forth
in Sections I and III of PTCE 95-60 have been satisfied (each entity that
satisfies this clause (b), a "Complying Insurance Company").
(ii) Notwithstanding the foregoing, an Opinion of Counsel or
certification will not be required with respect to the transfer of any Class M
Certificate to a Depository, or for any subsequent transfer of a Class M
Certificate for so long as such Certificate is a Book-Entry Certificate (each
such class M Certificate a "Book-Entry Mezzanine Certificate"). Any Transferee
of a Book-Entry Mezzanine Certificate will be deemed to have represented by
virtue of its purchase or holding of such Certificate (or interest therein) that
either (a) such Transferee is not a Plan Investor or (b) such Transferee is a
"Complying Insurance Company").
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(iii) (A) If any Book-Entry Mezzanine Certificate (or any interest
therein) is acquired or held in violation of the provisions of Section (ii)
above, then the last preceding Transferee that either (i) is not a Plan Investor
or (ii) is a Complying Insurance Company shall be restored, to the extent
permitted by law, to all rights and obligations as Certificate Owner thereof
retroactive to the date of such Transfer of such Certificate. The Trustee shall
be under no liability to any Person for making any payments due on such
Certificate to such preceding Transferee.
(B) Any purported Certificate Owner whose acquisition or holding
of any Book-Entry Mezzanine Certificate (or interest therein) was effected in
violation of the restrictions in this Section 5.02(e) shall indemnify and hold
harmless the Company, the Trustee, the Master Servicer, any Subservicer, and the
Trust Fund from and against any and all liabilities, claims, costs or expenses
incurred by such parties as a result of such acquisition or holding.
(f) (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(f) 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
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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
Regulation 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 Persons other than Permitted Transferees are prohibited.
(iii) (A) If any Person other than a Permitted Transferee 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 Regulation 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(f) 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(f) 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
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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(f) 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 the Trust Fund to cease to qualify as a REMIC
and will not cause (x) the Trust Fund to be subject to an entity-level tax
caused by the Transfer of any Class R Certificate to a Person that is not
a Permitted Transferee 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.
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(g) 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.
(h) All Certificates surrendered for transfer and exchange shall be
destroyed by the Certificate Registrar.
Section 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 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(f).
Section Appointment of Paying Agent.
The Trustee may appoint a Paying Agent for the purpose of making
distributions to the Certificateholders 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
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.
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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 in trust for the benefit of the Certificateholders entitled
thereto until such sums shall be paid to such Certificateholders. 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 on the date of receipt
by such Paying Agent.
Section 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 sum of 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
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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.
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ARTICLE VI
THE COMPANY AND THE MASTER SERVICER
Section 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 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
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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 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 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
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Interest on each Class entitled thereto in the same manner as if such expenses
and costs constituted a Prepayment Interest Shortfall.
Section 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.
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ARTICLE VII
DEFAULT
Section 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 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 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
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
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(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 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.
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Upon the termination of Residential Funding as Master Servicer hereunder the
Company shall deliver to the Trustee a copy of the Program Guide.
Section 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.
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Section 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 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 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 (b) no waiver pursuant to this
Section 7.04 shall affect the Holders of Certificates in the manner set forth in
Section 12.01(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.
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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 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 the Trust Fund as a REMIC 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 the Trust Fund 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
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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; 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.
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Section 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 pursuant to
the provisions of this Agreement, unless such Certificateholders 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;
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(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 the Trust Fund 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 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 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 Master Servicer to Pay Trustee's Fees and Expenses;
Indemnification.
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(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 pursuant to the terms of this
Agreement.
Section 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
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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 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 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.
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(c) The Holders of Certificates 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 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 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
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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 at their address as shown in the
Certificate Register.
Section 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 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
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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 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. 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 12.01. The
Trustee shall notify the Certificateholders of the appointment of any Custodian
(other than the Custodian appointed as of the Closing Date) pursuant to this
Section 8.11.
Section 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, New
York, New York 10005 for the purpose of keeping the Certificate Register. The
Trustee will maintain an office at the address stated in Section 12.05(c) hereof
where notices and demands to or upon the Trustee in respect of this Agreement
may be served.
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ARTICLE IX
TERMINATION
Section Termination Upon Purchase by the Master Servicer or the Company or
Liquidation of All Mortgage Loans.
(a) Subject to Section 9.02, the respective obligations and
responsibilities of the Company, the Master Servicer and the Trustee created
hereby in respect of the Certificates (other than the obligation of the Trustee
to make certain payments after the Final Distribution Date to Certificateholders
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 (or Modified Net Mortgage Rate in the case of any
Modified Mortgage Loan), as reduced by any Servicing Modification that
constituted an interest rate reduction 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 the Trust Fund 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
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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 (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 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 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, Class B 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 as aforesaid, it shall give such notice to the
Certificate Registrar at the time such notice is given to Certificateholders. 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, Class M, Class B 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 (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
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subsection (a) of this Section) over the total amount distributed under the
immediately preceding clause (A).
(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 Additional Termination Requirements.
(a) The Trust Fund 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 the Trust Fund to comply with the requirements of this Section 9.02 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 the Trust Fund 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 the Trust Fund 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 the Trust
Fund 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
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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 the Trust Fund at the expense of the Trust Fund
in accordance with the terms and conditions of this Agreement.
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ARTICLE X
REMIC PROVISIONS
Section REMIC Administration.
(a) The REMIC Administrator shall make an election to treat the Trust Fund
(other than the Initial Monthly Payment Fund) as a REMIC under the Code and, if
necessary, under applicable state law. 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 election in respect of the Trust Fund, the Class A Certificates (other
than the Class A-V Certificates), Class M Certificates, Class B Certificates and
the Uncertificated REMIC Regular Interests shall be designated as the "regular
interests" and the Class R Certificates shall be designated as the sole class of
"residual interests" in the REMIC. The REMIC Administrator and the Trustee shall
not permit the creation of any "interests" (within the meaning of Section 860G
of the Code) in the Trust Fund other than the regular interests and the
interests represented by the Class R 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 the Class R Certificates and shall be designated
as "the tax matters person" with respect to the Trust Fund in the manner
provided under Treasury regulations section 1.860F- 4(d) and Treasury
regulations section 301.6231(a)(7)-1. The REMIC Administrator, as tax matters
person, shall (i) act on behalf of the Trust Fund 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, not
to exceed $3,000 per year, 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 the Trust Fund
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
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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, within their respective control, 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 the Trust Fund.
(f) The Master Servicer and the REMIC Administrator shall take such
actions and shall cause the Trust Fund 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 a REMIC 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 the Trust Fund 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 the
Trust Fund as a REMIC or (ii) result in the imposition of a tax upon the Trust
Fund (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 the Trust Fund
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 nonetheless 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
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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 the Trust Fund or its assets, or causing the Trust Fund 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 the Trust Fund, and
the Trustee shall not take any such action or cause the Trust Fund 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 the Trust Fund or its assets
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
the Trust Fund created hereunder as defined in Section 860F(a)(2) of the Code,
on "net income from foreclosure property" of the Trust Fund as defined in
Section 860G(c) of the Code, on any contributions to the Trust Fund 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 otherwise (iii) 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 the Trust Fund 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 the Trust Fund unless (subject to
Section 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 the Trust Fund
will not cause the Trust Fund to fail to qualify as a REMIC at any time that any
Certificates are outstanding
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or subject the Trust Fund 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 the Trust Fund will receive a fee
or other compensation for services nor permit the Trust Fund 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" for each "regular interest" is
January 25, 2029.
(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 the Trust Fund.
(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 the Trust Fund, (iii) the
termination of the Trust Fund 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 the Trust Fund, nor sell or dispose of any investments in
the Custodial Account or the Certificate Account for gain nor accept any
contributions to the Trust Fund 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 the Trust Fund as a REMIC or (b) unless
the Master Servicer has determined in its sole discretion to indemnify the Trust
Fund against such tax, cause the Trust Fund to be subject to a tax on
"prohibited transactions" or "contributions" pursuant to the REMIC Provisions.
Section 10.02. Master Servicer, REMIC Administrator 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
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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.
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ARTICLE XI
[Reserved]
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ARTICLE XII
MISCELLANEOUS PROVISIONS
Section 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(f) or any other provision hereof restricting transfer of the Class R
Certificates, by virtue of their being the "residual interests" in the
Trust Fund, 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 the Trust Fund
or any
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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 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,
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; 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 without
the consent of the Holder of such Certificate,
(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 the Trust Fund to fail to qualify as a REMIC at
any time that any Certificate is outstanding. The Trustee may but shall not be
obligated to enter into any amendment pursuant to this Section that affects its
rights, duties and immunities and this agreement or otherwise; provided however,
such consent shall not be unreasonably withheld.
(d) Promptly after the execution of any such amendment the Trustee shall
furnish written notification of the substance of such amendment to each
Certificateholder. It shall not be necessary for the consent of
Certificateholders under this Section 12.01 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.
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(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
Regulation 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) the Trust Fund 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 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
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<PAGE>
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 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 from time to time as partners or members
of an association; nor shall any Certificateholder 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) No 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 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 12.03, each and every Certificateholder and the
Trustee shall be entitled to such relief as can be given either at law or in
equity.
130
<PAGE>
Section 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 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 600, 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 First National Plaza, Suite 0126, Chicago,
Illinois 60670-0126, Attention: Residential Funding Corporation Series 1999-S3
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 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,
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<PAGE>
(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 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 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 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.
Section Supplemental Provisions for Resecuritization.
This Agreement may be supplemented by means of the addition of a separate
Article hereto (a "Supplemental Article") for the purpose of resecuritizing any
of the Certificates issued hereunder, under the following circumstances. With
respect to any Class or Classes of Certificates issued hereunder, or any portion
of any such Class, as to which the Company or any of its Affiliates (or any
designee thereof) is the registered Holder (the "Resecuritized Certificates"),
the Company may deposit such Resecuritized Certificates into a new REMIC,
grantor trust or custodial arrangement (a "Restructuring Vehicle") to be held by
the Trustee pursuant to a Supplemental Article. The instrument adopting such
Supplemental Article shall be executed by the Company, the Master Servicer and
the Trustee; provided, that neither the Master Servicer nor the Trustee shall
withhold their consent thereto if their respective interests would not be
materially adversely affected thereby.
132
<PAGE>
To the extent that the terms of the Supplemental Article do not in any way
affect any provisions of this Agreement as to any of the Certificates initially
issued hereunder, the adoption of the Supplemental Article shall not constitute
an "amendment" of this Agreement.
Each Supplemental Article shall set forth all necessary provisions
relating to the holding of the Resecuritized Certificates by the Trustee, the
establishment of the Restructuring Vehicle, the issuing of various classes of
new certificates by the Restructuring Vehicle and the distributions to be made
thereon, and any other provisions necessary for the purposes thereof. In
connection with each Supplemental Article, the Company shall deliver to the
Trustee an Opinion of Counsel to the effect that (i) the Restructuring Vehicle
will qualify as a REMIC, grantor trust or other entity not subject to taxation
for federal income tax purposes and (ii) the adoption of the Supplemental
Article will not endanger the status of the Trust Fund as a REMIC or (subject to
Section 10.01(f)) result in the imposition of a tax upon the Trust Fund
(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 as set
forth in Section 860G(d) of the Code).
133
<PAGE>
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: Stephen Hynes
Title: Vice President
Attest:
Name: Randy Van Zee
Title: Vice President
RESIDENTIAL FUNDING CORPORATION
[Seal]
By:
Name: Randy Van Zee
Title: Director
Attest:
Name: Stephen Hynes
Title: Director
THE FIRST NATIONAL BANK OF CHICAGO,
as Trustee
[Seal]
By:
Name:
Title:
Attest:
Name:
Title:
<PAGE>
STATE OF MINNESOTA )
) ss.:
COUNTY OF HENNEPIN )
On the 28th day of January, 1999 before me, a notary public in and
for said State, personally appeared Stephen Hynes, 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]
<PAGE>
STATE OF MINNESOTA )
) ss.:
COUNTY OF HENNEPIN )
On the 28th day of January, 1999 before me, a notary public in and
for said State, personally appeared Randy Van Zee, 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]
<PAGE>
STATE OF )
) ss.:
COUNTY OF )
On the 28th day of January, 1999 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, a national 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
[Notarial Seal]
<PAGE>
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 (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 JANUARY 28, 1999.
ASSUMING THAT THE MORTGAGE LOANS PREPAY AT 275% 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 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 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.]
A-1
<PAGE>
Certificate No. __ [_____%] [Adjustable][Variable] [Pass-Through
Rate] [Step Rate]
Class A-__ Senior
Date of Pooling and Servicing Percentage Interest: ____%
Agreement and Cut-off Date:
January 1, 1999
First Distribution Date: Aggregate Initial [Certificate Principal Balance]
February 25, 1999 [Notional Amount] of the Class A-__ Certificates:
$------------
Master Servicer: Initial [Certificate Principal
Residential Funding Corporation Balance] [Notional Amount] of this
Certificate:
$------------
Assumed Final CUSIP _________
Distribution Date:
January 25, 2029
MORTGAGE PASS-THROUGH CERTIFICATE
SERIES 1999-S3
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 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 or any of their affiliates. None
of the Company, the Master Servicer, GMAC Mortgage 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] [Notional Amount] of this Certificate by the aggregate
Initial [Certificate Principal Balance] [Notional Amount] 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
A-2
<PAGE>
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.
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] [Notional Amount] of this
Certificate is set forth above. The [Certificate Principal Balance] [Notional
Amount] 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.
A-3
<PAGE>
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
A-4
<PAGE>
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.
A-5
<PAGE>
IN WITNESS WHEREOF, the Trustee has caused this Certificate to be
duly executed.
Dated: January 28,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
A-6
<PAGE>
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.
<PAGE>
EXHIBIT B
FORM OF CLASS M CERTIFICATE
THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A
CERTIFICATES [,] [AND] [CLASS R CERTIFICATES] [,] [AND CLASS M-1 CERTIFICATES]
[,] [AND CLASS M-2 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 CLASS M CERTIFICATE WILL BE MADE UNLESS
THE TRUSTEE HAS RECEIVED EITHER (A) 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 THE EMPLOYEE
RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA") AND SECTION 4975 OF
THE INTERNAL REVENUE CODE (THE "CODE") AND STATING, AMONG OTHER THINGS, THAT THE
TRANSFEREE'S ACQUISITION OF A CLASS M CERTIFICATE WILL NOT CONSTITUTE OR RESULT
IN A NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION
4975 OF THE CODE OR (B) A REPRESENTATION LETTER, IN THE FORM AS DESCRIBED BY THE
AGREEMENT, EITHER STATING THAT THE TRANSFEREE IS NOT AN EMPLOYEE BENEFIT OR
OTHER PLAN SUBJECT TO THE PROHIBITED TRANSACTION PROVISIONS OF ERISA OR SECTION
4975 OF THE CODE (A "PLAN"), OR ANY OTHER PERSON (INCLUDING AN INVESTMENT
MANAGER, A NAMED FIDUCIARY OR A TRUSTEE OF ANY PLAN) ACTING, DIRECTLY OR
INDIRECTLY, ON BEHALF OF OR PURCHASING ANY CERTIFICATE WITH "PLAN ASSETS" OF ANY
PLAN (A "PLAN INVESTOR"), OR STATING THAT (I) THE TRANSFEREE IS AN INSURANCE
COMPANY, (II) THE SOURCE OF FUNDS TO BE USED BY IT TO PURCHASE THE CERTIFICATE
IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (WITHIN THE MEANING OF DEPARTMENT OF
LABOR PROHIBITED TRANSACTION CLASS EXEMPTION ("PTCE") 95-60), AND (III) THE
CONDITIONS SET FORTH IN SECTIONS I AND III OF PTCE 95-60 HAVE BEEN SATISFIED
(EACH ENTITY THAT SATISFIED THIS CLAUSE (B), A "COMPLYING INSURANCE COMPANY").
NOTWITHSTANDING THE ABOVE, WITH RESPECT TO THE TRANSFER OF THIS
CERTIFICATE TO A DEPOSITORY OR ANY SUBSEQUENT TRANSFER OF ANY INTEREST IN THIS
CERTIFICATE FOR SO LONG AS THIS CERTIFICATE IS HELD BY A DEPOSITORY, (I) NEITHER
AN OPINION OF COUNSEL NOR A CERTIFICATION, EACH AS DESCRIBED IN THE FOREGOING
PARAGRAPH, SHALL BE REQUIRED, AND (II) THE FOLLOWING CONDITIONS SHALL APPLY:
<PAGE>
1. ANY TRANSFEREE OF THIS CERTIFICATE WILL BE DEEMED TO HAVE REPRESENTED BY
VIRTUE OF ITS PURCHASE OR HOLDING OF THIS CERTIFICATE (OR INTEREST HEREIN)
THAT EITHER (A) SUCH TRANSFEREE IS NOT A PLAN INVESTOR OR (B) SUCH
TRANSFEREE IS A COMPLYING INSURANCE COMPANY; AND
2. IF THIS CERTIFICATE (OR ANY INTEREST HEREIN) IS ACQUIRED OR HELD
IN VIOLATION OF THE PROVISIONS OF THE PRECEDING PARAGRAPH,
THEN THE LAST PRECEDING TRANSFEREE THAT EITHER (I) IS NOT A PLAN
INVESTOR OR (II) IS A COMPLYING INSURANCE COMPANY SHALL BE
RESTORED, TO THE EXTENT PERMITTED BY LAW, TO ALL RIGHTS AND
OBLIGATIONS AS CERTIFICATE OWNER THEREOF RETROACTIVE TO THE
DATE OF SUCH TRANSFER OF THIS CERTIFICATE. THE TRUSTEE SHALL
BE UNDER NO LIABILITY TO ANY PERSON FOR MAKING ANY PAYMENTS
DUE ON THIS CERTIFICATE TO SUCH PRECEDING TRANSFEREE.
ANY PURPORTED CERTIFICATE OWNER WHOSE ACQUISITION OR HOLDING OF THIS
CERTIFICATE (OR INTEREST HEREIN) WAS EFFECTED IN VIOLATION OF THE RESTRICTIONS
IN SECTION 5.02(E) OF THE POOLING AND SERVICING AGREEMENT SHALL INDEMNIFY AND
HOLD HARMLESS THE COMPANY, THE TRUSTEE, THE MASTER SERVICER, ANY SUBSERVICER,
AND THE TRUST FUND FROM AND AGAINST ANY AND ALL LIABILITIES, CLAIMS, COSTS OR
EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH ACQUISITION OR HOLDING.
[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 JANUARY 28, 1999. ASSUMING
THAT THE MORTGAGE LOANS PREPAY AT 275% 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.]
B-2
<PAGE>
Certificate No. ___ ____% Pass-Through Rate
Class M- Mezzanine Aggregate Certificate
Principal Balance
of the Class M Certificates:
Date of Pooling and Servicing $_______________
Agreement and Cut-off Date:
January 1, 1999 Initial Certificate Principal
Balance of this Certificate:
First Distribution Date: $_______________
February 25, 1999
CUSIP: ____________
Master Servicer:
Residential Funding Corporation
Assumed Final Distribution Date:
January 25, 2029
MORTGAGE PASS-THROUGH CERTIFICATE,
Series 1999-S3
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 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 or any of their affiliates. None
of the Company, the Master Servicer, GMAC Mortgage 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
B-3
<PAGE>
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.
No transfer of this Class M Certificate will be made unless the
Trustee has received either (a) 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 the Employee
Retirement Income Security Act of 1974, as amended ("ERISA"), and Section 4975
of the Internal Revenue Code (the "Code") and stating, among other things, that
the transferee's acquisition of a Class M Certificate will not constitute or
result in a non-exempt prohibited transaction under Section 406 of ERISA or
Section 4975 of the Code or (b) a representation letter, in the form as
described by the Agreement, either stating that the transferee is not an
employee benefit or other plan subject to the prohibited transaction provisions
of ERISA or Section 4975 of the Code (a "Plan"), or any other person (including
an investment manager, a named fiduciary or a trustee of any Plan) acting,
directly or indirectly, on behalf of or purchasing any Certificate with "plan
assets" of any Plan (a "Plan Investor"), or stating that (i) the transferee is
an insurance company, (ii) the source of funds to be used by it to purchase the
Certificate is an "insurance company general account" (within the meaning of
Department of Labor Prohibited Transaction Class Exemption ("PTCE") 95-60), and
(iii) the conditions set forth in Sections I and III of PTCE 95-60 have been
satisfied (each entity that satisfies this clause (b), a "Complying Insurance
Company").
B-4
<PAGE>
Notwithstanding the above, with respect to the transfer of this
Certificate to a Depository or any subsequent transfer or any interest in this
Certificate for as long as this Certificate is held by the Depository, (i)
neither an opinion of counsel nor a certification, each as described in the
foregoing paragraph, shall be required, and (ii) the following conditions shall
apply:
1. Any Transferee of this Certificate will be deemed to have
represented by virtue of its purchase or holding of this
Certificate (or interest herein) that either (a) such
Transferee is not a Plan Investor or (b) such Transferee is a
Complying Insurance Company; and
2. If this Certificate (or any interest herein) is acquired or
held in violation of the provisions of the preceding
paragraph, then the last preceding Transferee that either (i)
is not a Plan Investor or (ii) is a Complying Insurance
Company shall be restored, to the extent permitted by law, to
all rights and obligations as Certificate Owner thereof
retroactive to the date of such Transfer of this Certificate.
The Trustee shall be under no liability to any Person for
making any payments due on this Certificate to such preceding
Transferee.
Any purported Certificate Owner whose acquisition or holding of this
Certificate (or interest herein) was effected in violation of the restrictions
in Section 5.02(e) of the Agreement shall indemnify and hold harmless the
Company, the Trustee, the Master Servicer, any Subservicer, and the Trust Fund
from and against any and all liabilities, claims, costs or expenses incurred by
such parties as a result of such acquisition or holding.
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
B-5
<PAGE>
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
B-6
<PAGE>
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.
B-7
<PAGE>
IN WITNESS WHEREOF, the Trustee has caused this Certificate to be
duly executed.
Dated: January 28, 1999 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
B-8
<PAGE>
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.
<PAGE>
EXHIBIT C
FORM OF CLASS B CERTIFICATE
THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A
CERTIFICATES, CLASS R CERTIFICATES [,] [AND] [CLASS M CERTIFICATES] [,] [AND]
[CLASS B-1 CERTIFICATES] [AND] [CLASS B-2 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 ANY PERSON, UNLESS THE
TRANSFEREE PROVIDES EITHER A CERTIFICATION PURSUANT TO SECTION 5.02(e) OF THE
AGREEMENT OR AN OPINION OF COUNSEL SATISFACTORY TO THE MASTER SERVICER, THE
COMPANY AND THE TRUSTEE THAT THE PURCHASE OF THIS CERTIFICATE IS PERMISSIBLE
UNDER APPLICABLE LAW, WILL NOT CONSTITUTE OR RESULT IN A NON-EXEMPT PROHIBITED
TRANSACTION UNDER SECTION 406 OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF
1974, AS AMENDED, ("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 POOLING AND SERVICING AGREEMENT (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 JANUARY 28, 1999. ASSUMING THAT THE
MORTGAGE LOANS PREPAY AT 275% 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.
<PAGE>
Certificate No. __ ____ % 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: $_______________
January 1, 1999
Initial Certificate Principal
Balance of this Certificate:
First Distribution Date: $_______________
February 25, 1999
Master Servicer:
Residential Funding Corporation
Assumed Final Distribution Date:
January 25, 2029
MORTGAGE PASS-THROUGH CERTIFICATE,
Series 1999-S3
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 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 or any of their affiliates. None
of the Company, the Master Servicer, GMAC Mortgage 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 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
C-2
<PAGE>
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 either (i) 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 the Employee Retirement Income Security Act of 1974, as
amended ("ERISA") and Section 4975 of the Internal Revenue Code (the "Code") and
stating, among other things, that the transferee's acquisition of a Class B
Certificate will not constitute or result in a
C-3
<PAGE>
non-exempt prohibited transaction under Section 406 of ERISA or Section 4975 of
the Code or (ii) a representation letter, in the form as described by the
Agreement, either stating that the transferee is not an employee benefit or
other plan subject to the prohibited transaction provisions of ERISA or Section
4975 of the Code (a "Plan"), or any other person (including an investment
manager, a named fiduciary or a trustee of any Plan) acting, directly or
indirectly, on behalf of or purchasing any Certificate with "plan assets" of any
Plan, or stating that the transferee is an insurance company, the source of
funds to be used by it to purchase the Certificate is an "insurance company
general account" (within the meaning of Department of Labor Prohibited
Transaction Class Exemption ("PTCE") 95-60), and the purchase is being made in
reliance upon the availability of the exemptive relief afforded under PTCE
95-60.
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
C-4
<PAGE>
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.
C-5
<PAGE>
IN WITNESS WHEREOF, the Trustee has caused this Certificate to be
duly executed.
Dated: January 28, 1999 THE FIRST NATIONAL BANK OF CHICAGO,
as Trustee
By:
Authorized Signatory
CERTIFICATE OF AUTHENTICATION
This is one of the Class B-__ Certificates referred to in the
within-mentioned Agreement.
THE FIRST NATIONAL BANK OF CHICAGO,
as Certificate Registrar
By:
Authorized Signatory
C-6
<PAGE>
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.
<PAGE>
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 ANY PERSON, UNLESS THE
TRANSFEREE PROVIDES EITHER A CERTIFICATION PURSUANT TO SECTION 5.02(e) OF THE
AGREEMENT OR AN OPINION OF COUNSEL SATISFACTORY TO THE MASTER SERVICER, THE
COMPANY AND THE TRUSTEE THAT THE PURCHASE OF THIS CERTIFICATE IS PERMISSIBLE
UNDER APPLICABLE LAW, WILL NOT CONSTITUTE OR RESULT IN A NON-EXEMPT PROHIBITED
TRANSACTION UNDER SECTION 406 OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF
1974, AS AMENDED ("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 POOLING AND SERVICING AGREEMENT (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
<PAGE>
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.
D-2
<PAGE>
Certificate No. ___ ____% Pass-Through Rate
Class R Senior Aggregate Initial Certificate Principal
Balance of the Class R Certificates:
$100.00
Date of Pooling and Servicing Percentage Interest: ______%
Agreement and Cut-off Date:
January 1, 1999
First Distribution Date: Initial Certificate Principal
February 25, 1999 Balance of this Certificate:
$---------------
Master Servicer:
Residential Funding Corporation
Assumed Final Distribution Date: CUSIP ____________
January 25, 2029
MORTGAGE PASS-THROUGH CERTIFICATE,
SERIES 1999-S3
evidencing a percentage interest in any distributions allocable to the
Class R 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 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 or any of their affiliates. None
of the Company, the Master Servicer, GMAC Mortgage 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 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
D-3
<PAGE>
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
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.
No transfer of this Class R Certificate will be made unless the
Trustee has received either (i) 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 the Employee
Retirement Income Security Act of 1974, as amended ("ERISA") and Section 4975 of
the
D-4
<PAGE>
Internal Revenue Code (the "Code") and stating, among other things, that the
transferee's acquisition of a Class R Certificate will not constitute or result
in a non-exempt prohibited transaction under Section 406 of ERISA or Section
4975 of the Code or (ii) 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 ERISA or Section 4975
of the Code (a "Plan"), or any other person (including an investment manager, a
named fiduciary or a trustee of any Plan) acting, directly or indirectly, on
behalf of or purchasing any Certificate with "plan assets" of any Plan.
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.
D-5
<PAGE>
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.
D-6
<PAGE>
IN WITNESS WHEREOF, the Trustee has caused this Certificate to be
duly executed.
Dated: Janua THE FIRST NATIONAL BANK OF CHICAGO,
as Trustee
By:
Authorized Signatory
CERTIFICATE OF AUTHENTICATION
This is one of the Class R Certificates referred to in the
within-mentioned Agreement.
THE FIRST NATIONAL BANK OF CHICAGO,
as Certificate Registrar
By:
Authorized Signatory
D-7
<PAGE>
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.
<PAGE>
EXHIBIT E
CUSTODIAL AGREEMENT
THIS CUSTODIAL AGREEMENT (as amended and supplemented from time to
time, the "Agreement"), dated as of January 1, 1999, 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., as company (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 January 1, 1999,
relating to the issuance of Residential Funding Mortgage Securities I, Inc.,
Mortgage Pass-Through Certificates, Series 1999-S3 (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.
<PAGE>
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
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<PAGE>
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
E-3
<PAGE>
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.
E-4
<PAGE>
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.
E-5
<PAGE>
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 $15,000,000 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.
E-6
<PAGE>
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.
E-7
<PAGE>
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 1999-S3
By:
Name:
Title:
Address: RESIDENTIAL FUNDING MORTGAGE
SECURITIES I, INC., as Company
8400 Normandale Lake Boulevard
Suite 600
Minneapolis, Minnesota 55437
By:
Name:
Title:
Address: RESIDENTIAL FUNDING
CORPORATION, as Master Servicer
8400 Normandale Lake Boulevard
Suite 600
Minneapolis, Minnesota 55437
By:
Name:
Title:
Address: NORWEST BANK MINNESOTA,
NATIONAL ASSOCIATION, as Custodian
401 Second Avenue South
Minneapolis, Minnesota 55479
By:
Name:
Title:
E-8
<PAGE>
STATE OF ILLINOIS )
) ss.:
COUNTY OF ______________ )
On the _____ day of January, 1999, 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, 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 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]
<PAGE>
STATE OF MINNESOTA )
) ss.:
COUNTY OF HENNEPIN )
On the _____ day of January, 1999, before me, a notary public in and
for said State, personally appeared __________________, known to me to be a
________________ 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]
<PAGE>
STATE OF MINNESOTA )
) ss.:
COUNTY OF HENNEPIN )
On the _____ day of January, 1999, before me, a notary public in and
for said State, personally appeared ________________, known to me to be a
_______________ 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 _____ day of January, 1999, before me, a notary public in and
for said State, personally appeared ________________, known to me to be a
_______________ 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]
<PAGE>
EXHIBIT ONE
FORM OF CUSTODIAN
INITIAL CERTIFICATION
January 28, 1999
The First National Bank of Chicago
One North State Street
Chicago, Illinois 60602
Attention: Residential Funding
Corporation, Series 1999-S3
Re: Custodial Agreement, dated as of January 1, 1999, 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 1999-S3
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 or a lost note affidavit with a copy
of the related 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, 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:
<PAGE>
EXHIBIT TWO
FORM OF CUSTODIAN INTERIM CERTIFICATION
________________ ____, 1999
The First National Bank of Chicago
One North State Street
Chicago, Illinois 60602
Attention: Residential Funding
Corporation, Series 1999-S3
Re: Custodial Agreement dated as of January 1, 1999, 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 1999-S3
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:
<PAGE>
EXHIBIT THREE
FORM OF CUSTODIAN FINAL CERTIFICATION
_____________ ___, 1999
The First National Bank of Chicago
One North State Street
Chicago, Illinois 60602
Attention: Residential Funding
Corporation, Series 1999-S3
Re: Custodial Agreement dated as of January 1, 1999, 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 1999-S3
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
<PAGE>
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
<PAGE>
(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:
<PAGE>
EXHIBIT F
MORTGAGE LOAN SCHEDULE
1
RUN ON : 01/25/99 RFC DISCLOSURE SYSTEM RFFSD177-01
AT : 12.01.19 FIXED RATE LOAN LISTING AMORTIZED BALANCE
SERIES : RFMSI I 1999-S3 CUTOFF : 01/01/99
POOL : 0004354
:
:
POOL STATUS: F
RFC LOAN # S/S CODE PMT TYPE ORIGINAL BAL LOAN FEATURE
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 #
______________________________________________________________________________
1674561 A26/G01 F 300,000.00 ZZ
360 300,000.00 1
26 CAROLYN COURT 7.375 2,072.03 66
7.125 2,072.03 455,000.00
STATEN ISLAND NY 10309 1 12/16/98 00
0431150788 05 02/01/99 0
9653 O 01/01/29
0
1708390 G26/K06 F 133,000.00 ZZ
360 132,192.83 1
39 HORTON STREET 7.500 929.96 84
7.250 929.96 160,000.00
WEST ISLIP NY 11795 2 04/03/98 23
0430730291 05 06/01/98 0
7179C O 05/01/28
0
1726700 891/G01 F 79,200.00 ZZ
354 79,085.77 1
16 ARTHUR STREET 7.875 576.68 90
7.625 576.68 88,000.00
ROCKWELL IA 50469 4 09/15/98 12
0431167667 05 12/01/98 25
98032282 O 05/01/28
0
1755263 L84/K06 F 242,000.00 ZZ
360 241,044.59 1
5909 LOCKHURST DRIVE 7.250 1,650.87 75
7.000 1,650.87 325,000.00
WOODLAND HILLS CA 91367 2 07/02/98 00
0430912600 05 09/01/98 0
1
1755263 O 08/01/28
0
1795228 B23/G01 F 399,900.00 ZZ
360 399,588.04 1
2597 TUSCANY WAY 7.250 2,728.02 80
7.000 2,728.02 499,900.00
FULLERTON CA 92835 1 11/05/98 00
0431109685 03 01/01/99 0
88002976 O 12/01/28
0
1812965 964/G01 F 404,900.00 ZZ
360 404,614.23 1
1429 NORTH PALM AVENUE 7.750 2,900.75 74
7.500 2,900.75 550,000.00
UPLAND CA 91784 2 11/23/98 00
0431157775 05 01/01/99 0
1812965 O 12/01/28
0
1829392 K08/G01 F 116,600.00 ZZ
360 116,408.30 1
4828 EDISON AVENUE 7.000 775.74 80
6.750 775.74 145,750.00
BOULDER CO 80301 1 10/21/98 00
0411064843 03 12/01/98 0
411064843 O 11/01/28
0
1830203 369/G01 F 343,350.00 ZZ
360 342,599.69 1
5701 EAST 75TH PLACE 7.625 2,430.22 77
7.375 2,430.22 450,000.00
TULSA OK 74136 2 09/08/98 00
0431090596 05 11/01/98 0
0061774303 O 10/01/28
0
1838964 M40/G01 F 216,800.00 ZZ
360 216,800.00 1
8901 OLIN STREET 7.375 1,497.38 80
7.125 1,497.38 271,000.00
LOS ANGELES CA 90034 1 12/01/98 00
0431149350 05 02/01/99 0
A981006 O 01/01/29
0
1
1840928 E75/G01 F 264,000.00 ZZ
360 264,000.00 1
63-57 84TH STREET 7.500 1,845.93 80
7.250 1,845.93 330,000.00
MIDDLE VILLAGE NY 11379 1 12/16/98 00
0431159557 05 02/01/99 0
C9801794 O 01/01/29
0
1841080 A50/A50 F 372,000.00 ZZ
360 371,388.36 1
8710 LAKE FOREST DRIVE 7.000 2,474.93 80
6.750 2,474.93 465,000.00
JONESBORO GA 30236 1 10/13/98 00
116103 05 12/01/98 0
116103 O 11/01/28
0
1841407 E01/G01 F 189,750.00 ZZ
360 189,750.00 1
30 GIFFORD AVENUE 7.375 1,310.56 75
7.125 1,310.56 253,000.00
OCEANSIDE NY 11572 1 12/09/98 00
0431160332 05 02/01/99 0
98C3266 O 01/01/29
0
1842066 076/076 F 252,000.00 ZZ
360 251,296.04 1
104 WATER OAK DR 6.375 1,572.16 79
6.125 1,572.16 319,000.00
SEARCY AR 72143 1 09/30/98 00
7269741 05 11/01/98 0
7269741 O 10/01/28
0
1843766 K08/G01 F 87,600.00 ZZ
360 87,534.99 1
227 SAILBOAT DRIVE 7.500 612.51 80
7.250 612.51 109,500.00
NASHVILLE TN 37217 2 11/02/98 00
0411069396 05 01/01/99 0
411069396 O 12/01/28
0
1843973 253/253 F 315,000.00 ZZ
360 315,000.00 1
13139 E CLOUD RD 7.500 2,202.53 75
7.250 2,202.53 420,000.00
1
CHANDLER AZ 85249 2 12/09/98 00
928964 03 02/01/99 0
928964 O 01/01/29
0
1844045 G56/G01 F 248,000.00 ZZ
360 247,611.89 1
100 SMOKEY COVE 7.250 1,691.80 80
7.000 1,691.80 310,000.00
LAGRANGE GA 30240 2 11/04/98 00
0431119304 05 12/01/98 0
160136127 O 11/01/28
0
1845086 B60/G01 F 265,000.00 ZZ
360 264,564.30 1
5006 DELACROIX ROAD 7.000 1,763.05 52
6.750 1,763.05 512,000.00
RANCHO PALOS VE CA 90275 1 10/22/98 00
0431124668 05 12/01/98 0
257796 O 11/01/28
0
1845822 K08/G01 F 157,000.00 ZZ
360 156,877.52 1
6189 EAST CAMINO MANZANO 7.250 1,071.02 79
7.000 1,071.02 200,000.00
ANAHEIM CA 92807 2 11/17/98 00
0411098247 05 01/01/99 0
411098247 O 12/01/28
0
1846369 M85/G01 F 240,000.00 ZZ
360 238,887.31 1
4600 DEER SHADOW TRAIL 7.375 1,657.62 75
7.125 1,657.62 320,000.00
SIOUX CITY IA 51108 2 06/02/98 00
0431162049 05 08/01/98 0
121709 O 07/01/28
0
1846497 N34/G01 F 104,000.00 ZZ
360 104,000.00 1
7818 SPRUCEWOOD AVENUE 7.500 727.18 79
7.250 727.18 133,000.00
WOODRIDGE IL 60517 2 12/23/98 00
0431168582 05 02/01/99 0
1846497 O 01/01/29
0
1
1847367 356/G01 F 270,000.00 ZZ
360 269,804.58 1
4242 FAIRLANDS DRIVE 7.625 1,911.05 73
7.375 1,911.05 370,000.00
PLEASANTON CA 94588 5 11/05/98 00
0431157635 03 01/01/99 0
2671402 O 12/01/28
0
1847389 L86/G01 F 204,000.00 ZZ
360 204,000.00 1
21886 SHENANDOAH DRIVE 7.500 1,426.40 77
7.250 1,426.40 265,000.00
LAKE FOREST CA 92630 2 12/11/98 00
0431159755 03 02/01/99 0
0000 O 01/01/29
0
1847403 811/G01 F 150,400.00 ZZ
360 150,282.68 1
1001 EVELYN TERRACE EAST #177 7.250 1,025.99 80
7.000 1,025.99 188,000.00
SUNNYVALE CA 94086 1 11/17/98 00
0431131192 01 01/01/99 0
FM02206486 O 12/01/28
0
1848464 944/G01 F 255,000.00 ZZ
360 254,801.08 1
3043 REMINGTON WAY 7.250 1,739.55 75
7.000 1,739.55 340,000.00
SAN JOSE CA 95148 5 11/19/98 00
0431163435 05 01/01/99 0
16854 O 12/01/28
0
1848538 514/G01 F 134,850.00 ZZ
360 134,477.91 1
3514 SHADY VALLEY DRIVE 6.875 885.87 80
6.625 885.87 168,568.00
ARLINGTON TX 76013 1 09/30/98 00
0431155886 05 11/01/98 0
37231 O 10/01/28
0
1848569 514/G01 F 96,950.00 ZZ
360 96,786.64 1
1
2108 BARTON SPRINGS DRIVE 6.875 636.89 80
6.625 636.89 121,200.00
CORINTH TX 76205 1 10/20/98 00
0431149319 05 12/01/98 0
374745 O 11/01/28
0
1849267 K08/G01 F 200,000.00 ZZ
360 199,843.98 1
5213 ARDEN DRIVE 7.250 1,364.35 80
7.000 1,364.35 250,000.00
TEMPLE CITY CA 91780 2 11/20/98 00
0411147473 05 01/01/99 0
411147473 O 12/01/28
0
1849647 B57/G01 F 397,000.00 ZZ
360 396,705.36 1
4229 BON HOMME ROAD 7.500 2,775.89 75
7.250 2,775.89 535,000.00
CALABASAS CA 91302 2 11/25/98 00
0431129592 05 01/01/99 0
9813540 O 12/01/28
0
1849856 944/G01 F 228,000.00 ZZ
360 227,826.51 1
1906 SOUTH FOREST HILL PLACE 7.375 1,574.74 80
7.125 1,574.74 285,000.00
DANVILLE CA 94526 1 11/23/98 00
0431129394 09 01/01/99 0
981100097 O 12/01/28
0
1849943 685/G01 F 175,550.00 ZZ
360 175,550.00 1
6406 EAGLE RIDGE DRIVE 7.250 1,197.56 80
7.000 1,197.56 219,451.00
VALLEJO CA 94591 1 12/01/98 00
0431130582 05 02/01/99 0
115053 O 01/01/29
0
1850254 M29/G01 F 934,500.00 ZZ
360 934,500.00 1
9470 OWL LANE 7.500 6,534.16 70
7.250 6,534.16 1,335,000.00
LONGMONT CO 80301 2 12/24/98 00
0431164391 05 02/01/99 0
1
0324747 O 01/01/29
0
1850370 K08/G01 F 94,850.00 ZZ
360 94,777.82 1
10645 NW 7TH STREET 7.375 655.11 70
7.125 655.11 135,500.00
PEMBROKE PINES FL 33026 1 11/30/98 00
0411108103 03 01/01/99 0
411108103 O 12/01/28
0
1850443 K08/G01 F 171,000.00 ZZ
360 170,873.09 1
1368 MARIGOLD COURT 7.500 1,195.66 95
7.250 1,195.66 180,000.00
LAFAYETTE CO 80026 2 11/25/98 04
0411148315 03 01/01/99 30
411148315 O 12/01/28
0
1850650 E23/G01 F 183,550.00 ZZ
360 183,410.34 1
2129 SEA VILLAGE CIRCLE 7.375 1,267.73 74
7.125 1,267.73 249,000.00
ENCINITAS CA 92007 2 11/30/98 00
0431130020 09 01/01/99 0
10506121 O 12/01/28
0
1850686 811/G01 F 174,400.00 ZZ
360 174,400.00 1
4411 PAMPAS AVENUE 7.375 1,204.54 80
7.125 1,204.54 218,000.00
OAKLAND CA 94619 1 11/30/98 00
0431135466 05 02/01/99 0
FM02104350 O 01/01/29
0
1850755 L66/G01 F 272,000.00 ZZ
360 272,000.00 1
425 XIMENO DRIVE 7.000 1,809.62 90
6.750 1,809.62 305,000.00
FULLERTON CA 92835 2 12/21/98 10
0431154533 05 02/01/99 25
1850755 O 01/01/29
0
1
1851568 543/G01 F 375,000.00 ZZ
360 372,098.77 1
1193 THE GREAT ROAD 6.875 2,463.48 79
6.625 2,463.48 475,000.00
PRINCETON NJ 08540 1 04/01/98 00
0431151687 05 05/01/98 0
7210424492 O 04/01/28
0
1851569 964/G01 F 129,600.00 ZZ
360 129,501.38 1
1450 RUSCH COURT 7.375 895.12 80
7.125 895.12 162,000.00
SANTA ROSA CA 95401 2 11/25/98 00
0431130061 05 01/01/99 0
43517 O 12/01/28
0
1851575 543/G01 F 262,000.00 ZZ
360 259,898.94 1
44 BRIAR ROAD 7.750 1,877.00 80
7.500 1,877.00 327,500.00
STRAFFORD PA 19087 1 01/05/98 00
0431152040 05 03/01/98 0
7210270530 O 02/01/28
0
1851580 543/G01 F 320,000.00 ZZ
360 317,241.24 1
5426 VERNON SPRINGS TRAIL 6.875 2,102.17 58
6.625 2,102.17 555,000.00
ATLANTA GA 30327 2 02/06/98 00
0431151927 05 04/01/98 0
7210359615 O 03/01/28
0
1851594 543/G01 F 283,500.00 ZZ
360 282,155.62 1
5521 AMANDA COURT 7.375 1,958.06 90
7.125 1,958.06 315,000.00
ROLLING MEADOWS IL 60008 1 06/26/98 10
0431151901 05 08/01/98 25
7210608591 O 07/01/28
0
1851632 543/G01 F 378,100.00 ZZ
360 375,782.42 1
68 CEDAR HILL LANE 6.750 2,452.35 80
6.500 2,452.35 472,718.00
1
MEDIA PA 19063 1 05/22/98 00
0431151653 05 07/01/98 0
7210593487 O 06/01/28
0
1851641 543/G01 F 330,050.00 ZZ
360 325,818.96 1
212 HAZELTINE CIRCLE 6.875 2,168.20 80
6.625 2,168.20 412,602.00
BLUE BELL PA 19422 1 06/30/98 00
0431151935 05 08/01/98 0
7210635453 O 07/01/28
0
1851648 543/G01 F 265,000.00 ZZ
360 263,587.30 1
3821 LIZETTE LANE 7.250 1,807.77 64
7.000 1,807.77 420,000.00
GLENVIEW IL 60025 5 07/06/98 00
0431151455 05 09/01/98 0
7210627426 O 08/01/28
0
1851650 685/G01 F 192,000.00 ZZ
360 191,853.90 1
4303 JOSIE AVENUE 7.375 1,326.10 80
7.125 1,326.10 240,000.00
LAKEWOOD CA 90713 2 11/24/98 00
0431130343 05 01/01/99 0
116241 O 12/01/28
0
1851656 543/G01 F 395,000.00 ZZ
300 389,515.19 1
1285 BRIGHTON WAY 7.625 2,951.21 66
7.375 2,951.21 600,000.00
EDGMONT TOWNSHI PA 19073 2 12/18/97 00
0431151497 05 02/01/98 0
7210280399 O 01/01/23
0
1851702 543/G01 F 250,000.00 ZZ
360 248,329.54 1
39 BERNARD STREET 7.625 1,769.48 70
7.375 1,769.48 360,000.00
LEXINGTON MA 02173 5 03/25/98 00
0431151414 05 05/01/98 0
721037319 O 04/01/28
0
1
1851704 543/G01 F 256,000.00 ZZ
360 252,549.66 1
110 BLAKEWOOD DRIVE 7.625 1,811.95 69
7.375 1,811.95 375,000.00
ROSWELL GA 30075 2 02/06/98 00
0431151547 05 04/01/98 0
7210391295 O 03/01/28
0
1851860 543/G01 F 400,000.00 ZZ
360 397,743.68 1
80 NICHOLS ROAD 7.375 2,762.71 64
7.125 2,762.71 629,000.00
COHASSET MA 02025 2 05/13/98 00
0431151430 05 07/01/98 0
7210372162 O 06/01/28
0
1851902 952/G01 F 237,000.00 ZZ
360 237,000.00 1
260 WEST MOUNTAIN ROAD 7.750 1,697.90 79
7.500 1,697.90 300,000.00
SPARTA TWP NJ 07371 2 11/30/98 00
0431162155 05 02/01/99 0
98002538 O 01/01/29
0
1851924 069/G01 F 340,000.00 ZZ
360 339,179.45 1
4539 GRAYWOOD AVENUE 7.125 2,290.65 80
6.875 2,290.65 425,000.00
LONG BEACH CA 90808 2 08/31/98 00
0431159409 05 11/01/98 0
2362285393 O 10/01/28
0
1851949 F03/G01 F 310,000.00 ZZ
360 310,000.00 1
5842 MEADOWBROOK DRIVE 7.000 2,062.44 80
6.750 2,062.44 389,000.00
HUNTINGTON BEAC CA 92649 2 12/11/98 00
0431161330 05 02/01/99 0
LAG11445 O 01/01/29
0
1851983 685/G01 F 220,000.00 ZZ
360 220,000.00 1
1
390 NORTH MILFORD ROAD 7.250 1,500.79 80
7.000 1,500.79 275,000.00
ORANGE CA 92867 1 12/03/98 00
0431134311 05 02/01/99 0
116261 O 01/01/29
0
1852034 543/G01 F 349,500.00 ZZ
360 346,666.02 1
987 MEMORIAL DRIVE UNIT 272 7.625 2,473.74 55
7.375 2,473.74 638,000.00
CAMBRIDGE MA 02138 2 03/05/98 00
0431150978 09 04/01/98 0
7210333221 O 03/01/28
0
1852041 543/G01 F 300,000.00 ZZ
360 298,966.17 1
118 SOUTH MONTCLAIR LANE 7.250 2,046.53 71
7.000 2,046.53 426,000.00
GLEN ELLYN IL 60137 1 08/13/98 00
0431151026 05 10/01/98 0
7210673255 O 09/01/28
0
1852045 543/G01 F 269,600.00 ZZ
360 268,561.61 1
2685 CLARA AVENUE 7.375 1,862.06 80
7.125 1,862.06 337,000.00
AURORA IL 60504 1 07/30/98 00
0431150994 05 09/01/98 0
7210673239 O 08/01/28
0
1852112 543/543 F 588,000.00 ZZ
360 584,395.81 1
3 HAMPTON ROAD 6.750 3,813.76 80
6.500 3,813.76 735,000.00
LEXINGTON MA 02173 1 05/18/98 00
7210535223 05 07/01/98 0
7210535223 O 06/01/28
0
1852113 543/G01 F 250,000.00 ZZ
360 247,659.91 1
4759 CLEARWATER LANE 7.625 1,769.48 90
7.375 1,769.48 280,000.00
NAPERVILLE IL 60564 2 12/18/97 19
0431151729 05 02/01/98 25
1
7210894746 O 01/01/28
0
1852119 543/G01 F 280,000.00 ZZ
360 278,733.55 1
649 REVERE LANE 7.500 1,957.80 80
7.250 1,957.80 352,000.00
PALATINE IL 60067 1 06/30/98 00
0431151174 05 08/01/98 0
7210582737 O 07/01/28
0
1852120 543/543 F 406,900.00 ZZ
360 405,128.49 1
5 BROOKS ROAD 6.750 2,639.15 77
6.500 2,639.15 530,000.00
LINCOLN MA 01773 2 07/27/98 00
7210473233 05 09/01/98 0
7210473233 O 08/01/28
0
1852147 543/543 F 268,000.00 ZZ
360 266,757.48 1
ONE GRACE ROAD 7.375 1,851.01 80
7.125 1,851.01 335,000.00
DANVERS MA 01923 1 06/26/98 00
7210579544 05 08/01/98 0
7210579544 O 07/01/28
0
1852155 543/543 F 300,000.00 ZZ
360 298,665.14 1
15 NAGOG HILL ROAD 6.875 1,970.79 80
6.625 1,970.79 375,000.00
LITTLETON MA 01460 1 07/09/98 00
7210580301 05 09/01/98 0
7210580301 O 08/01/28
0
1852157 543/G01 F 258,400.00 ZZ
360 257,065.62 1
763 THORNAPPLE 7.625 1,828.94 95
7.375 1,828.94 272,000.00
NAPERVILLE IL 60540 1 05/21/98 04
0431151281 05 07/01/98 30
7210587696 O 06/01/28
0
1
1852160 543/543 F 545,000.00 ZZ
300 541,791.69 1
FISH HILL ROAD (POLE 24 38 NET 7.375 3,983.30 72
7.125 3,983.30 765,000.00
RANDOLPH VT 05060 2 07/02/98 00
7210516299 05 09/01/98 0
7210516299 O 08/01/23
0
1852162 543/G01 F 274,400.00 ZZ
360 273,343.12 1
712 STRAWBERRY FIELDS 7.375 1,895.21 80
7.125 1,895.21 344,290.00
GURNEE IL 60031 1 08/07/98 00
0431151323 05 09/01/98 0
7210672687 O 08/01/28
0
1852169 543/543 F 300,000.00 ZZ
360 298,844.50 1
2 GOOSE COVE ROAD 7.375 2,072.03 67
7.125 2,072.03 451,000.00
BATH ME 04530 1 07/22/98 00
7210558275 05 09/01/98 0
7210558275 O 08/01/28
0
1852170 543/543 F 382,500.00 ZZ
360 380,682.38 1
74 BARRINGTON DRIVE 7.250 2,609.33 75
7.000 2,609.33 510,000.00
BEDFORD NH 03110 5 06/26/98 00
7210597273 05 08/01/98 0
7210597273 O 07/01/28
0
1852173 543/543 F 350,000.00 ZZ
360 348,303.86 1
22 ELIOT ROAD 7.375 2,417.37 31
7.125 2,417.37 1,158,000.00
LEXINGTON MA 02173 1 06/29/98 00
721056828 05 08/01/98 0
721056828 O 07/01/28
0
1852297 543/G01 F 244,000.00 ZZ
360 242,787.67 1
21940 KATHY LANE 7.000 1,623.34 78
6.750 1,623.34 315,000.00
1
HAWTHORN WOODS IL 60047 2 09/03/98 00
0431151166 05 10/01/98 0
7210686638 O 09/01/28
0
1852532 543/G01 F 267,000.00 ZZ
360 264,806.87 1
2000 KENTMERE PLACE 7.125 1,798.83 82
6.875 1,798.83 327,000.00
WILMINGTON DE 19806 2 02/03/98 01
0431151083 05 04/01/98 12
7210347793 O 03/01/28
0
1852552 543/543 F 425,000.00 ZZ
360 422,631.02 1
34 CASTLE ROAD 7.250 2,899.25 60
7.000 2,899.25 717,000.00
FREEPORT ME 04078 5 05/27/98 00
7210569777 05 07/01/98 0
7210569777 O 06/01/28
0
1852556 543/543 F 310,000.00 ZZ
360 308,562.73 1
17 MEREWIND DRIVE 7.375 2,141.10 76
7.125 2,141.10 411,000.00
CUMBERLAND ME 04021 2 06/03/98 00
7210454754 05 08/01/98 0
7210454754 O 07/01/28
0
1852581 543/543 F 260,000.00 ZZ
360 258,764.51 1
11 VILLA DRIVE 7.250 1,773.66 80
7.000 1,773.66 325,000.00
MEDWAY MA 02052 1 06/25/98 00
7210590607 05 08/01/98 0
7210590607 O 07/01/28
0
1852586 543/G01 F 290,000.00 ZZ
360 288,552.76 1
158 COMMERCIAL STREET UNIT #4C 7.000 1,929.38 66
6.750 1,929.38 440,000.00
BOSTON MA 02109 1 07/01/98 00
0431151133 01 08/01/98 0
7210597877 O 07/01/28
0
1
1852607 543/543 F 275,000.00 ZZ
360 273,859.66 1
51 WASHBURN AVENUE 7.000 1,829.59 62
6.750 1,829.59 443,500.00
WELLESLEY MA 02181 1 07/15/98 00
7210586614 05 09/01/98 0
7210586614 O 08/01/28
0
1852608 543/543 F 315,000.00 ZZ
360 313,905.96 1
18 KYLEMORE DRIVE 6.750 2,043.09 69
6.500 2,043.09 460,000.00
WESTFORD MA 01886 2 08/20/98 00
7210666771 05 10/01/98 0
7210666771 O 09/01/28
0
1852611 543/543 F 339,000.00 ZZ
360 337,114.93 1
72 WOODLANDS DRIVE 7.250 2,312.58 76
7.000 2,312.58 447,500.00
FALMOUTH ME 04105 1 05/15/98 00
7210509765 05 07/01/98 0
7210509765 O 06/01/28
0
1852629 543/543 F 285,000.00 ZZ
360 283,577.69 1
15 HALF MOON HILL 7.000 1,896.12 75
6.750 1,896.12 385,000.00
ACTON MA 01720 1 06/24/98 00
7210455629 05 08/01/98 0
7210455629 O 07/01/28
0
1852665 543/G01 F 346,000.00 ZZ
360 344,988.70 1
1516 N. NORTH PARK AVE 7.625 2,448.97 69
7.375 2,448.97 505,000.00
CHICAGO IL 60610 2 08/07/98 00
0431150986 05 10/01/98 0
7210693914 O 09/01/28
0
1852694 543/543 F 250,000.00 ZZ
360 248,869.22 1
1
4 GREEN ROAD 7.500 1,748.04 70
7.250 1,748.04 360,000.00
AMHERST NH 03031 5 06/09/98 00
7210560113 05 08/01/98 0
7210560113 O 07/01/28
0
1852699 543/G01 F 327,600.00 ZZ
360 326,081.18 1
1910 SWEETBRIAR LANE 7.375 2,262.65 80
7.125 2,262.65 409,500.00
DARIEN IL 60562 1 06/25/98 00
0431151265 03 08/01/98 0
7210608822 O 07/01/28
0
1852709 543/543 F 380,000.00 ZZ
360 378,803.46 1
18 RIVERS EDGE DRIVE 7.250 2,592.27 80
7.000 2,592.27 475,000.00
KENNEBUNK ME 04043 2 08/14/98 00
7210626098 05 10/01/98 0
7210626098 O 09/01/28
0
1852724 543/543 F 478,000.00 ZZ
360 471,945.93 1
101 BEACON STREET 7.000 3,180.15 58
6.750 3,180.15 835,000.00
MARBLEHEAD MA 01945 2 06/26/98 00
7210586680 05 08/01/98 0
7210586680 O 07/01/28
0
1852738 543/543 F 241,000.00 ZZ
300 238,796.76 1
3 GRANTLAND ROAD 6.750 1,665.10 61
6.500 1,665.10 400,000.00
WELLESLEY MA 02181 2 05/26/98 00
7210521674 05 07/01/98 0
7210521674 O 06/01/23
0
1852747 543/543 F 300,000.00 ZZ
360 298,248.21 1
144 OAKMONT DRIVE 7.000 1,995.91 58
6.750 1,995.91 519,799.00
MOORESTOWN NJ 08057 1 05/22/98 00
7210585715 05 07/01/98 0
1
7210585715 O 06/01/28
0
1852753 543/543 F 460,000.00 ZZ
360 457,442.04 1
84 WOODBINE ROAD 7.250 3,138.02 80
7.000 3,138.02 577,000.00
CARLISLE MA 01741 1 05/15/98 00
7210499677 05 07/01/98 0
7210499677 O 06/01/28
0
1852758 543/543 F 300,000.00 ZZ
360 298,134.01 1
40 MILK STREET 7.375 2,072.03 75
7.125 2,072.03 400,000.00
NORTH ANDOVER MA 01845 1 05/01/98 00
7210489727 05 06/01/98 0
7210489727 O 05/01/28
0
1852761 543/543 F 330,000.00 ZZ
360 328,597.81 1
12 APPLETREE LANE 6.875 2,167.87 66
6.625 2,167.87 500,000.00
LEXINGTON MA 02173 5 07/14/98 00
7210607741 05 09/01/98 0
7210607741 O 08/01/28
0
1852766 543/543 F 315,000.00 ZZ
360 312,787.08 1
65 COTTON STREET 6.750 2,043.09 76
6.500 2,043.09 415,000.00
NEWTON MA 02160 1 05/01/98 00
7210403735 05 06/01/98 0
7210403735 O 05/01/28
0
1852785 543/543 F 540,000.00 ZZ
360 535,455.59 1
11 MARANT DRIVE 7.000 3,592.64 75
6.750 3,592.64 720,000.00
NEEDHAM MA 02192 5 02/23/98 00
7210364712 05 04/01/98 0
7210364712 O 03/01/28
0
1
1852880 543/543 F 244,000.00 ZZ
300 242,831.54 1
138 IPSWICH ROAD 7.250 1,763.65 61
7.000 1,763.65 400,000.00
BOXFORD MA 01921 2 07/30/98 00
7210643901 05 10/01/98 0
7210643901 O 09/01/23
0
1852884 543/543 F 264,000.00 ZZ
360 262,745.48 1
51 CLUBHOUSE DRIVE 7.250 1,800.95 78
7.000 1,800.95 340,000.00
MOULTONBOROUGH NH 03254 2 06/30/98 00
7210574859 05 08/01/98 0
7210574859 O 07/01/28
0
1852887 543/543 F 260,000.00 T
360 258,673.67 1
140 WENTWORTH SHORES 7.250 1,773.66 70
7.000 1,773.66 375,000.00
MOULTONBORO NH 03254 2 06/02/98 00
7210558879 05 08/01/98 0
7210558879 O 07/01/28
0
1852888 543/543 F 251,200.00 ZZ
360 249,701.60 1
41 WAITES LANDING ROAD 7.250 1,713.63 75
7.000 1,713.63 335,000.00
FALMOUTH ME 04105 2 07/06/98 00
7210483878 05 09/01/98 0
7210483878 O 08/01/28
0
1852890 543/543 F 365,000.00 ZZ
360 364,119.11 1
38 CHANNING ROAD 7.125 2,459.08 40
6.875 2,459.08 930,000.00
BROOKLINE MA 02146 2 09/02/98 00
7210661515 05 11/01/98 0
7210661515 O 10/01/28
0
1852891 543/543 F 250,000.00 ZZ
360 249,160.68 1
6 COLONIAL DRIVE 7.250 1,705.45 52
7.000 1,705.45 490,000.00
1
MERRIMAC MA 01860 2 08/19/98 00
7210642523 05 10/01/98 0
7210642523 O 09/01/28
0
1852894 543/543 F 323,850.00 ZZ
360 322,311.10 1
21 SALT SPRAY LANE 7.250 2,209.23 85
7.000 2,209.23 381,000.00
CAPE ELIZABETH ME 04107 1 07/01/98 10
7210505490 05 08/01/98 12
7210505490 O 07/01/28
0
1852896 543/543 F 276,300.00 ZZ
360 273,944.10 1
59 WATERS EDGE DRIVE 7.375 1,908.34 46
7.125 1,908.34 606,000.00
YARMOUTH ME 04096 5 07/08/98 00
7210598487 05 09/01/98 0
7210598487 O 08/01/28
0
1852897 543/543 F 312,000.00 ZZ
360 310,284.56 1
170 AUTUMN ROAD 6.500 1,972.06 80
6.250 1,972.06 390,000.00
WRENTHAM MA 02093 5 06/26/98 00
7210587513 05 08/01/98 0
7210587513 O 07/01/28
0
1852900 543/543 F 282,000.00 ZZ
360 280,592.66 1
10 STOCKWELL LANE 7.000 1,876.16 77
6.750 1,876.16 367,000.00
SOUTHBOROUGH MA 01772 2 06/25/98 00
7210587539 05 08/01/98 0
7210587539 O 07/01/28
0
1852902 543/543 F 267,000.00 ZZ
360 265,792.31 1
25 WASHINGTON STREET 7.500 1,866.91 80
7.250 1,866.91 335,000.00
TOPSFIELD MA 01983 5 06/22/98 00
7210584535 05 08/01/98 0
7210584535 O 07/01/28
0
1
1852955 543/543 F 300,000.00 ZZ
360 298,331.79 1
12 PROUT PLACE 7.250 2,046.53 80
7.000 2,046.53 377,000.00
CAPE ELIZABETH ME 04107 2 05/22/98 00
7210544802 05 07/01/98 0
7210544802 O 06/01/28
0
1852990 543/543 F 252,000.00 ZZ
360 249,234.50 1
4 ORCHARD STREET 7.125 1,697.78 30
6.875 1,697.78 852,000.00
NEWBURY MA 01922 1 06/29/98 00
7210577845 05 08/01/98 0
7210577845 O 07/01/28
0
1852999 543/543 F 284,000.00 ZZ
360 282,822.38 1
60 FURNACE STREET 7.000 1,889.46 80
6.750 1,889.46 355,000.00
SHARON MA 02067 1 07/30/98 00
7210594930 05 09/01/98 0
7210594930 O 08/01/28
0
1853000 543/543 F 500,000.00 ZZ
360 498,425.58 1
65 CUTLER LANE 7.250 3,410.89 68
7.000 3,410.89 742,000.00
BROOKLINE MA 02146 1 08/18/98 00
7210558845 05 10/01/98 0
7210558845 O 09/01/28
0
1853002 543/543 F 270,000.00 ZZ
360 269,149.68 1
10 ROBIN LANE 7.250 1,841.88 75
7.000 1,841.88 361,000.00
FALMOUTH ME 04105 5 08/13/98 00
7210640931 05 10/01/98 0
7210640931 O 09/01/28
0
1853007 543/543 F 479,900.00 ZZ
360 477,562.92 1
1
71 CASTLE SHORE ROAD 7.125 3,233.18 80
6.875 3,233.18 599,900.00
MOULTONBORO NH 03254 1 06/16/98 00
7210545933 05 08/01/98 0
7210545933 O 07/01/28
0
1853010 543/543 F 345,000.00 ZZ
360 343,534.05 1
30 FAIR OAKS AVENUE 6.875 2,266.41 74
6.625 2,266.41 467,500.00
NEWTON MA 02460 2 07/13/98 00
7210438948 05 09/01/98 0
7210438948 O 08/01/28
0
1853013 543/543 F 335,200.00 ZZ
360 333,485.94 1
13 ISLAND POND ROAD 6.875 2,202.03 80
6.625 2,202.03 419,000.00
CUMBERLAND FORE ME 04110 1 06/24/98 00
7210577960 05 08/01/98 0
7210577960 O 07/01/28
0
1853158 F28/G01 F 465,900.00 ZZ
360 463,658.55 1
1552 NORTHFIELD LN 7.250 3,178.26 80
7.000 3,178.26 582,410.00
LAFAYETTE CO 80026 1 06/01/98 00
0431153840 03 08/01/98 0
3819592 O 07/01/28
0
1853160 F28/G01 F 253,000.00 ZZ
360 251,925.00 1
185 FOUNDERS WY 6.875 1,662.03 57
6.625 1,662.03 445,000.00
STRATFORD CT 06614 2 07/10/98 00
0431153998 05 09/01/98 0
3887019 O 08/01/28
0
1853176 F28/G01 F 268,000.00 ZZ
360 266,915.60 1
10542 S GRIZZLEY GULCH 7.125 1,805.57 79
6.875 1,805.57 340,000.00
HIGHLANDS RANCH CO 80126 2 07/31/98 00
0431153733 03 09/01/98 0
1
4004636 O 08/01/28
0
1853183 F28/G01 F 424,100.00 ZZ
360 421,063.56 1
18579 VESSING RD 7.375 2,929.15 54
7.125 2,929.15 800,000.00
SARATOGA CA 95070 2 08/24/98 00
0431154251 05 10/01/98 0
4027391 O 09/01/28
0
1853192 F28/G01 F 345,000.00 ZZ
360 343,940.21 1
2715 MOSSY OAK DR 7.375 2,382.83 53
7.125 2,382.83 660,000.00
DANVILLE CA 94506 2 08/19/98 00
0431155001 05 10/01/98 0
4059485 O 09/01/28
0
1853212 F28/G01 F 280,000.00 ZZ
360 279,272.68 1
2553 S ST. PAUL ST 6.750 1,816.08 79
6.500 1,816.08 355,000.00
DENVER CO 80210 2 09/24/98 00
0431155092 05 11/01/98 0
4120970 O 10/01/28
0
1853219 F28/G01 F 429,700.00 ZZ
360 428,688.29 1
32 DIAMOND DR 7.250 2,931.31 80
7.000 2,931.31 540,000.00
DANVILLE CA 94526 2 09/09/98 00
0431155233 05 11/01/98 0
4133419 O 10/01/28
0
1853223 F28/G01 F 440,000.00 ZZ
360 439,258.57 1
172 MAPLEWOOD 6.875 2,890.49 80
6.625 2,890.49 555,000.00
RIVERSIDE IL 60546 2 10/08/98 00
0431155266 05 12/01/98 0
4153235 O 11/01/28
0
1
1853231 F28/G01 F 295,000.00 ZZ
360 294,514.96 1
1582 VALLEYVIEW CT 7.000 1,962.64 73
6.750 1,962.64 405,000.00
GOLDEN CO 80403 5 10/12/98 00
0431155332 03 12/01/98 0
4169019 O 11/01/28
0
1853232 F28/G01 F 532,000.00 ZZ
360 531,146.61 1
45 AUGUSTA DR 7.125 3,584.18 55
6.875 3,584.18 985,000.00
COTO DE CAZA AR CA 92679 2 10/08/98 00
0431155340 03 12/01/98 0
4171716 O 11/01/28
0
1853250 F28/G01 F 271,200.00 ZZ
360 270,743.01 1
3215 FALCON POINT 6.875 1,781.59 80
6.625 1,781.59 339,000.00
SPRINGFIELD IL 62707 2 10/26/98 00
0431155522 05 12/01/98 0
4210383 O 11/01/28
0
1853255 F28/G01 F 377,500.00 ZZ
360 376,848.13 1
16776 COUNTY ROAD #110 6.750 2,448.46 76
6.500 2,448.46 500,000.00
KIOWA CO 80117 2 10/30/98 00
0431155597 05 12/01/98 0
4216935 O 11/01/28
0
1853286 F28/G01 F 370,000.00 ZZ
360 369,260.33 1
130 WEST LAKE STREET 6.750 2,399.81 71
6.500 2,399.81 525,000.00
BARRINGTON IL 60010 5 10/06/98 00
0431156207 05 12/01/98 0
4246122 O 11/01/28
0
1853289 F28/G01 F 465,000.00 ZZ
360 464,177.21 1
315 RIVER DR 6.625 2,977.45 67
6.375 2,977.45 700,000.00
1
TEQUESTA FL 33469 2 10/29/98 00
0431156264 03 12/01/98 0
4248037 O 11/01/28
0
1853291 F28/G01 F 572,000.00 ZZ
360 571,012.25 1
5013 N.W. 24 CIRCLE 6.750 3,709.98 80
6.500 3,709.98 715,000.00
BOCA RATON FL 33431 2 10/28/98 00
0431156330 03 12/01/98 0
4250916 O 11/01/28
0
1853296 F28/G01 F 576,800.00 ZZ
360 576,303.38 1
33 W061 HONEY HILL CIRCLE 6.750 3,741.11 76
6.500 3,741.11 760,000.00
WAYNE IL 60184 2 11/09/98 00
0431156439 05 01/01/99 0
4252963 O 12/01/28
0
1853299 F28/G01 F 288,000.00 ZZ
360 287,752.03 1
1522 LEXINGTON ROAD 6.750 1,867.97 72
6.500 1,867.97 400,000.00
GREEN OAKS IL 60048 2 11/09/98 00
0431156512 05 01/01/99 0
4254092 O 12/01/28
0
1853307 F28/G01 F 241,000.00 ZZ
360 240,797.53 1
1418 WINSTON DR 6.875 1,583.20 75
6.625 1,583.20 322,000.00
BUFFALO GROVE IL 60089 2 11/11/98 00
0431156694 05 01/01/99 0
4260006 O 12/01/28
0
1853313 F28/G01 F 280,000.00 ZZ
360 279,572.57 1
1418 ESTELLE LN 7.375 1,933.89 51
7.125 1,933.89 550,000.00
NEWPORT BEACH CA 92660 5 10/28/98 00
0431156827 05 12/01/98 0
4263703 O 11/01/28
0
1
1853314 F28/G01 F 260,000.00 ZZ
360 259,495.33 1
3915 N HIGHLAND 6.875 1,708.01 80
6.625 1,708.01 325,000.00
ARLINGTON HTS. IL 60004 2 11/12/98 00
0431156843 05 01/01/99 0
4265256 O 12/01/28
0
1853317 F28/G01 F 315,000.00 ZZ
360 314,469.20 1
683 HARTFORD DR 6.875 2,069.33 72
6.625 2,069.33 440,000.00
BOULDER CO 80303 5 10/30/98 00
0431156876 05 12/01/98 0
4271839 O 11/01/28
0
1853323 F28/G01 F 342,500.00 ZZ
360 342,205.11 1
827 JEFFREY CT 6.750 2,221.45 75
6.500 2,221.45 462,000.00
WHEATON IL 60187 2 11/17/98 00
0431156959 05 01/01/99 0
4275586 O 12/01/28
0
1853324 F28/G01 F 275,000.00 ZZ
360 274,604.17 1
122 GULFWIND LN 7.000 1,829.59 74
6.750 1,829.59 375,000.00
MARATHON FL 33050 2 11/02/98 00
0431156967 05 01/01/99 0
4278216 O 12/01/28
0
1853367 K08/G01 F 520,000.00 ZZ
360 520,000.00 1
3 MULE DEER TRAIL 6.875 3,416.03 80
6.625 3,416.03 650,000.00
LITTLETON CO 80127 1 12/07/98 00
0411129802 03 02/01/99 0
411129802 O 01/01/29
0
1853484 F16/G01 F 267,600.00 ZZ
360 267,600.00 1
1
1443 RANCHO HILLS DRIVE 7.375 1,848.25 77
7.125 1,848.25 350,000.00
CHINO HILLS CA 91709 2 12/02/98 00
0431162023 05 02/01/99 0
98C22653 O 01/01/29
0
1853537 K21/G01 F 463,200.00 ZZ
360 463,200.00 1
7714 79TH STREET 7.250 3,159.84 80
7.000 3,159.84 579,000.00
LOS ANGELES CA 90293 1 12/23/98 00
0431161983 05 02/01/99 0
9810678 O 01/01/29
0
1853547 B60/G01 F 247,150.00 ZZ
360 246,957.20 1
7874 CROYDON AVENUE 7.250 1,686.00 70
7.000 1,686.00 355,000.00
LOS ANGELES CA 90045 2 11/23/98 00
0431165117 05 01/01/99 0
258840 O 12/01/28
0
1853575 543/543 F 254,800.00 ZZ
360 253,618.64 1
7 CLAFLIN FARM LANE 7.375 1,759.85 85
7.125 1,759.85 303,000.00
NORTHBOROUGH MA 01532 2 06/11/98 10
7210631667 05 08/01/98 12
7210631667 O 07/01/28
0
1853609 543/543 F 390,000.00 ZZ
360 388,191.83 1
11 WADSWORTH WAY 7.375 2,693.64 75
7.125 2,693.64 525,000.00
SHARON MA 02067 1 06/05/98 00
7210536304 05 08/01/98 0
7210536304 O 07/01/28
0
1853695 439/439 F 375,000.00 ZZ
360 373,807.48 1
28 WESCOTT DRIVE 7.200 2,545.46 52
6.950 2,545.46 730,000.00
SOUTH BARRINGTO IL 60010 1 08/21/98 00
1971368 05 10/01/98 0
1
1971368 O 09/01/28
0
1853705 439/439 F 240,000.00 ZZ
360 239,589.58 1
55 PLYMOUTH 6.800 1,564.63 74
6.550 1,564.63 325,000.00
IRVINE CA 92620 1 10/22/98 00
1983579 05 12/01/98 0
1983579 O 11/01/28
0
1853710 439/439 F 273,000.00 ZZ
360 272,769.52 1
76 858 TOMAHAWK RUN 6.850 1,788.86 80
6.600 1,788.86 341,440.00
INDIAN WELLS CA 92210 1 11/05/98 00
1987398 03 01/01/99 0
1987398 O 12/01/28
0
1853720 439/439 F 276,000.00 ZZ
360 275,766.98 1
310 MESA LN 6.850 1,808.52 64
6.600 1,808.52 435,000.00
SANTA BARBARA CA 93109 1 11/04/98 00
1989820 05 01/01/99 0
1989820 O 12/01/28
0
1853721 439/439 F 388,000.00 ZZ
360 387,645.82 1
125 NO ARBOLEDA RD 6.450 2,439.68 80
6.200 2,439.68 485,000.00
SANTA BARBARA CA 93110 1 11/02/98 00
1989821 05 01/01/99 0
1989821 O 12/01/28
0
1853723 439/439 F 300,000.00 ZZ
360 298,939.56 1
3484 BLUEGRASS COURT 6.900 1,975.81 59
6.650 1,975.81 515,000.00
MORGAN HILL CA 95037 2 10/22/98 00
1990186 05 12/01/98 0
1990186 O 11/01/28
0
1
1853725 439/439 F 251,000.00 ZZ
360 250,790.16 1
3453 ROSEMARY AV 6.900 1,653.09 79
6.650 1,653.09 320,000.00
GLENDALE CA 91208 2 11/02/98 00
1990485 05 01/01/99 0
1990485 O 12/01/28
0
1853730 439/439 F 255,000.00 ZZ
360 254,676.88 1
2407 PIER AVE 6.950 1,687.97 68
6.700 1,687.97 380,000.00
SANTA MONICA CA 90405 2 11/04/98 00
1991014 05 01/01/99 0
1991014 O 12/01/28
0
1853736 439/439 F 300,000.00 ZZ
360 299,749.19 1
5435 BLACKHAWK DRIVE 6.900 1,975.81 37
6.650 1,975.81 825,000.00
DANVILLE CA 94506 2 10/28/98 00
1991333 03 01/01/99 0
1991333 O 12/01/28
0
1853737 439/439 F 345,000.00 ZZ
360 344,711.57 1
5902 BEDFORD AVE 6.900 2,272.18 79
6.650 2,272.18 440,000.00
LOS ANGELES CA 90056 2 11/06/98 00
1991535 05 01/01/99 0
1991535 O 12/01/28
0
1853739 439/439 F 283,600.00 ZZ
360 283,360.56 1
18488 LITTLE THRUSH COURT 6.850 1,858.32 73
6.600 1,858.32 390,000.00
SALINAS CA 93908 2 10/26/98 00
1991557 05 01/01/99 0
1991557 O 12/01/28
0
1853741 439/439 F 269,200.00 ZZ
360 268,977.15 1
908 SIR FRANCIS AVE 6.950 1,781.97 68
6.700 1,781.97 400,000.00
1
CAPITOLA CA 95010 2 11/10/98 00
1991644 05 01/01/99 0
1991644 O 12/01/28
0
1853743 439/439 F 252,000.00 ZZ
360 251,785.14 1
933 TEAL DR 6.800 1,642.86 60
6.550 1,642.86 420,000.00
SANTA CLARA CA 95051 2 10/23/98 00
1991659 05 01/01/99 0
1991659 O 12/01/28
0
1853745 439/439 F 279,900.00 ZZ
360 279,668.29 1
7405 MIRANO DR 6.950 1,852.80 80
6.700 1,852.80 349,900.00
GOLETA CA 93117 1 11/09/98 00
1992049 05 01/01/99 0
1992049 O 12/01/28
0
1853748 439/439 F 321,000.00 ZZ
360 320,731.64 1
745 AVENUE C 6.900 2,114.11 69
6.650 2,114.11 470,000.00
REDONDO BEACH CA 90277 2 10/29/98 00
1992166 05 01/01/99 0
1992166 O 12/01/28
0
1853753 439/439 F 335,000.00 ZZ
360 334,717.17 1
2450 LONG CANYON RD 6.850 2,195.12 45
6.600 2,195.12 750,000.00
SANTA YNEZ CA 93460 2 10/30/98 00
1992460 05 01/01/99 0
1992460 O 12/01/28
0
1853756 439/439 F 285,000.00 ZZ
360 284,761.73 1
157 N CARSON RD 6.900 1,877.02 55
6.650 1,877.02 520,000.00
BEVERLY HILLS CA 90211 2 11/13/98 00
1992782 05 01/01/99 0
1992782 O 12/01/28
0
1
1853757 439/439 F 297,600.00 ZZ
360 297,370.14 1
713 FAIRWAY DR 7.300 2,040.26 80
7.050 2,040.26 372,000.00
GLENVIEW IL 60025 1 12/01/98 00
1992839 05 01/01/99 0
1992839 O 12/01/28
0
1853759 439/439 F 254,000.00 ZZ
360 253,781.31 1
5160 RHOADS AVE 6.750 1,647.44 80
6.500 1,647.44 318,000.00
SANTA BARBARA CA 93111 2 11/02/98 00
1992944 05 01/01/99 0
1992944 O 12/01/28
0
1853761 439/439 F 427,800.00 ZZ
360 426,445.86 1
935 LEE DR 6.950 2,831.82 66
6.700 2,831.82 650,000.00
MENLO PARK CA 94025 2 11/10/98 00
1993331 05 01/01/99 0
1993331 O 12/01/28
0
1853766 439/439 F 334,000.00 ZZ
360 333,728.91 1
910 W CAROLYN DR 7.050 2,233.34 70
6.800 2,233.34 480,000.00
PALATINE IL 60067 2 11/04/98 00
1993448 05 01/01/99 0
1993448 O 12/01/28
0
1853773 439/439 F 248,500.00 ZZ
360 248,298.31 1
520 STONY HILL LANE 7.050 1,661.63 73
6.800 1,661.63 345,000.00
CRYSTAL LAKE IL 60012 2 10/30/98 00
1994096 05 01/01/99 0
1994096 O 12/01/28
0
1853776 439/439 F 258,400.00 ZZ
360 258,189.31 1
1
15625 HARBOR TOWN DRIVE 7.050 1,727.83 80
6.800 1,727.83 323,000.00
ORLAND PARK IL 60462 2 11/13/98 00
1994203 05 01/01/99 0
1994203 O 12/01/28
0
1853785 439/439 F 247,000.00 ZZ
360 246,785.24 1
4668 VIA CUPERTINO 6.700 1,593.84 72
6.450 1,593.84 345,000.00
CAMARILLO CA 93012 2 11/13/98 00
1994418 05 01/01/99 0
1994418 O 12/01/28
0
1853787 439/439 F 460,000.00 ZZ
360 459,164.17 1
5714 EMERSON CT 6.950 3,044.97 80
6.700 3,044.97 575,000.00
AGOURA HILLS CA 91301 2 11/02/98 00
1994425 03 01/01/99 0
1994425 O 12/01/28
0
1853789 439/439 F 357,000.00 ZZ
360 356,704.47 1
420 ANDREW DR 6.950 2,363.16 80
6.700 2,363.16 450,000.00
OJAI CA 93023 2 10/27/98 00
1994627 05 01/01/99 0
1994627 O 12/01/28
0
1853791 439/439 F 371,000.00 ZZ
360 370,689.84 1
18359 MONTPERE WAY 6.900 2,443.41 66
6.650 2,443.41 565,000.00
SARATOGA CA 95070 2 11/12/98 00
1994758 05 01/01/99 0
1994758 O 12/01/28
0
1853793 439/439 F 300,000.00 ZZ
360 299,751.65 1
4702 1/2 BALBOA AVE 6.950 1,985.85 36
6.700 1,985.85 850,000.00
ENCINO CA 91316 2 11/05/98 00
1994771 05 01/01/99 0
1
1994771 O 12/01/28
0
1853794 439/439 F 650,000.00 ZZ
360 649,445.81 1
31571 FOXFIELD DR 6.800 4,237.52 77
6.550 4,237.52 850,000.00
WESTLAKE VILLAG CA 91361 2 11/05/98 00
1994783 03 01/01/99 0
1994783 O 12/01/28
0
1853796 439/439 F 345,000.00 ZZ
360 344,711.57 1
5280 CASTLE RD 6.900 2,272.18 61
6.650 2,272.18 570,000.00
LA CANADA-FLINT CA 91011 2 11/06/98 00
1994919 05 01/01/99 0
1994919 O 12/01/28
0
1853798 439/439 F 309,200.00 ZZ
360 308,931.17 1
3508 GLENWOOD AVE 6.700 1,995.20 62
6.450 1,995.20 502,000.00
REDWOOD CITY CA 94062 2 11/03/98 00
1995051 05 01/01/99 0
1995051 O 12/01/28
0
1853799 439/439 F 287,500.00 ZZ
360 287,250.03 1
13400 CUESTA VERDE 6.700 1,855.18 64
6.450 1,855.18 450,000.00
SALINAS CA 93908 2 11/02/98 00
1995100 05 01/01/99 0
1995100 O 12/01/28
0
1853801 439/439 F 251,600.00 ZZ
360 251,391.71 1
52 ZILS RD 6.950 1,665.47 60
6.700 1,665.47 425,000.00
LA SELVA BEACH CA 95076 2 11/05/98 00
1995249 05 01/01/99 0
1995249 O 12/01/28
0
1
1853802 439/439 F 243,000.00 ZZ
360 242,800.81 1
1047 WILLIAMSBURG CIRCLE 7.000 1,616.69 79
6.750 1,616.69 310,000.00
GRAYSLAKE IL 60030 2 11/03/98 00
1995279 05 01/01/99 0
1995279 O 12/01/28
0
1853804 439/439 F 260,000.00 ZZ
360 259,786.88 1
196 SPRING AVE 7.000 1,729.79 80
6.750 1,729.79 325,000.00
GLEN ELLYN IL 60137 2 11/12/98 00
1995442 05 01/01/99 0
1995442 O 12/01/28
0
1853807 439/439 F 280,000.00 ZZ
360 279,763.60 1
1216 W VALENCIA MESA DR 6.850 1,834.73 69
6.600 1,834.73 410,000.00
FULLERTON CA 92833 2 11/05/98 00
1995503 05 01/01/99 0
1995503 O 12/01/28
0
1853808 439/439 F 360,000.00 ZZ
360 359,701.98 1
3858 SKY VIEW LN 6.950 2,383.02 72
6.700 2,383.02 500,000.00
GLENDALE CA 91214 2 11/10/98 00
1995595 05 01/01/99 0
1995595 O 12/01/28
0
1853809 439/439 F 384,900.00 ZZ
360 384,565.34 1
3224 HADDON WAY 6.700 2,483.68 70
6.450 2,483.68 550,000.00
SAN JOSE CA 95135 2 11/19/98 00
1995622 05 01/01/99 0
1995622 O 12/01/28
0
1853814 439/439 F 328,000.00 ZZ
360 327,728.48 1
34 VIA ANDORRA 6.950 2,171.19 80
6.700 2,171.19 410,000.00
1
COTO DE CAZA CA 92679 2 11/04/98 00
1995697 03 01/01/99 0
1995697 O 12/01/28
0
1853815 439/439 F 352,500.00 ZZ
360 352,199.46 1
7952 WINCHESTER CIRCLE 6.800 2,298.04 70
6.550 2,298.04 510,000.00
GOLETA CA 93117 2 11/06/98 00
1995712 03 01/01/99 0
1995712 O 12/01/28
0
1853820 439/439 F 256,000.00 ZZ
360 255,804.23 1
713 SADDLE RD 7.350 1,763.77 79
7.100 1,763.77 325,000.00
CRYSTAL LAKE IL 60012 2 11/13/98 00
1996157 05 01/01/99 0
1996157 O 12/01/28
0
1853846 439/439 F 317,100.00 ZZ
360 316,837.50 1
360 NOVA LN 6.950 2,099.04 52
6.700 2,099.04 620,000.00
MENLO PARK CA 94025 2 11/05/98 00
1997823 05 01/01/99 0
1997823 O 12/01/28
0
1853851 439/439 F 240,600.00 ZZ
360 240,347.86 1
14111 MOORE CT 6.950 1,592.65 77
6.700 1,592.65 315,000.00
IRVINE CA 92606 2 11/03/98 00
1997976 05 01/01/99 0
1997976 O 12/01/28
0
1853870 439/439 F 296,000.00 ZZ
360 295,754.96 1
5688 BERKELEY RD 6.950 1,959.37 80
6.700 1,959.37 370,000.00
GOLETA CA 93111 1 10/29/98 00
1998639 05 01/01/99 0
1998639 O 12/01/28
0
1
1853871 439/439 F 261,600.00 ZZ
360 261,381.30 1
1413 MINNESOTA A 6.900 1,722.90 80
6.650 1,722.90 327,000.00
SAN JOSE CA 95125 1 11/05/98 00
1998677 05 01/01/99 0
1998677 O 12/01/28
0
1853876 439/439 F 419,500.00 ZZ
360 419,110.74 1
439 ASHBURY LN 6.950 2,776.88 80
6.700 2,776.88 525,000.00
UPLAND CA 91786 2 11/18/98 00
1998833 05 01/01/99 0
1998833 O 12/01/28
0
1853886 439/439 F 266,000.00 ZZ
360 265,779.79 1
151 CALLE MAYOR 6.950 1,760.79 80
6.700 1,760.79 335,000.00
REDONDO BEACH CA 90277 2 11/12/98 00
1999508 05 01/01/99 0
1999508 O 12/01/28
0
1853887 439/439 F 287,000.00 ZZ
360 286,780.53 1
1785 TELEGRAPH RD 7.350 1,977.35 55
7.100 1,977.35 525,000.00
LAKE FOREST IL 60045 2 11/23/98 00
1999668 05 01/01/99 0
1999668 O 12/01/28
0
1853984 543/G01 F 250,000.00 ZZ
360 249,317.73 1
115 PERSIMMON HILL TRAIL 7.125 1,684.30 70
6.875 1,684.30 360,000.00
PITTSBORO NC 27312 5 09/14/98 00
0431152156 05 11/01/98 0
7210694053 O 10/01/28
0
1853996 543/543 F 310,000.00 ZZ
360 308,805.96 1
1
44 DENNETT ROAD 7.375 2,141.10 74
7.125 2,141.10 424,000.00
MARBLEHEAD MA 01945 5 06/30/98 00
7210574338 05 09/01/98 0
7210574338 O 08/01/28
0
1854002 543/G01 F 252,500.00 ZZ
360 251,267.40 1
1655 BRIGHTON COURT 7.500 1,765.52 72
7.250 1,765.52 352,500.00
NORTHBROOK IL 60062 1 06/30/98 00
0431151125 05 08/01/98 0
7210595037 O 07/01/28
0
1854004 543/G01 F 296,000.00 ZZ
360 294,471.44 1
12975 SOUTH PARKER ROAD 7.625 2,095.07 80
7.375 2,095.07 370,000.00
LEMONT IL 60439 1 05/22/98 00
0431151992 05 07/01/98 0
7210530075 O 06/01/28
0
1854005 543/543 F 289,000.00 ZZ
360 288,200.56 1
2 AMBER LANE 6.875 1,898.52 80
6.625 1,898.52 363,000.00
NORTH EASTON MA 02356 2 09/08/98 00
7210646179 05 11/01/98 0
7210646179 O 10/01/28
0
1854008 543/G01 F 387,200.00 ZZ
360 382,878.84 1
21 STONYBROOK ROAD 7.000 2,576.05 80
6.750 2,576.05 484,000.00
MARSHFIELD MA 02050 1 02/27/98 00
0431152172 05 04/01/98 0
7210324072 O 03/01/28
0
1854012 543/543 F 318,000.00 ZZ
360 316,581.61 1
9 SPRINGMEADOW DRIVE 6.625 2,036.19 71
6.375 2,036.19 450,000.00
SHREWSBURY MA 01545 2 07/27/98 00
7210641161 05 09/01/98 0
1
7210641161 O 08/01/28
0
1854023 543/G01 F 301,600.00 ZZ
360 299,481.19 1
2 BIRCHTREE LANE 6.750 1,956.18 80
6.500 1,956.18 377,000.00
GEORGETOWN MA 01833 1 05/01/98 00
0431151695 05 06/01/98 0
7210437081 O 05/01/28
0
1854024 543/543 F 295,200.00 ZZ
360 293,849.41 1
27 OLD NUGENT FARM ROAD 6.750 1,914.67 80
6.500 1,914.67 369,000.00
GLOUCESTER MA 01930 1 07/31/98 00
7210647169 05 09/01/98 0
7210647169 O 08/01/28
0
1854025 543/543 F 650,000.00 ZZ
360 647,039.92 1
20 SCHAFFNER LANE 7.000 4,324.47 79
6.750 4,324.47 830,000.00
DOVER MA 02030 1 07/02/98 00
7210495170 05 09/01/98 0
7210495170 O 08/01/28
0
1854028 543/543 F 303,200.00 ZZ
360 302,002.99 1
13 BUBBLING BROOK DRIVE 7.250 2,068.36 80
7.000 2,068.36 382,000.00
FRANKLIN MA 02038 2 07/09/98 00
7210609193 05 09/01/98 0
7210609193 O 08/01/28
0
1854029 543/543 F 320,000.00 ZZ
360 318,915.33 1
477 MASSACHUSETTS AVENUE 6.875 2,102.18 79
6.625 2,102.18 408,736.00
ACTON MA 01720 1 08/31/98 00
7210668206 05 10/01/98 0
7210668206 O 09/01/28
0
1
1854040 543/543 F 256,000.00 ZZ
360 255,173.79 1
19 HAWTHORN CIRCLE 7.125 1,724.72 80
6.875 1,724.72 320,000.00
YARMOUTH ME 04096 1 08/14/98 00
7216593015 05 10/01/98 0
7216593015 O 09/01/28
0
1854042 543/543 F 256,000.00 ZZ
360 254,963.60 1
3 MORAN ROAD 7.125 1,724.72 80
6.875 1,724.72 320,000.00
LYNNFIELD MA 01940 1 07/23/98 00
7210601024 05 09/01/98 0
7210601024 O 08/01/28
0
1854049 543/543 F 245,000.00 ZZ
360 244,209.26 1
71 CAMELOT DRIVE 7.125 1,650.62 75
6.875 1,650.62 330,000.00
SHREWSBERRY MA 01545 1 08/03/98 00
7210643381 05 10/01/98 0
7210643381 O 09/01/28
0
1854054 543/543 F 300,000.00 T
360 299,275.99 1
8 ADMIRALS WAY 7.125 2,021.16 80
6.875 2,021.16 375,000.00
KENNEBUNK ME 04043 1 09/11/98 00
7210674469 05 11/01/98 0
7210674469 O 10/01/28
0
1854057 543/543 F 247,300.00 ZZ
360 245,784.11 1
23 PICKWICK ROAD 6.750 1,603.99 80
6.500 1,603.99 312,000.00
MARBLEHEAD MA 01945 2 05/15/98 00
7210491079 05 07/01/98 0
7210491079 O 06/01/28
0
1854065 543/543 F 271,900.00 ZZ
360 270,848.34 1
51 CARMICHAEL WAY 6.750 1,763.54 80
6.500 1,763.54 339,900.00
1
GROTON MA 01450 1 08/31/98 00
7210622012 05 10/01/98 0
7210622012 O 09/01/28
0
1854066 543/543 F 300,000.00 ZZ
360 298,932.44 1
118 EVELYN ROAD 6.625 1,920.94 49
6.375 1,920.94 614,000.00
NEWTON MA 02168 1 08/14/98 00
7210610017 05 10/01/98 0
7210610017 O 09/01/28
0
1854094 543/543 F 290,500.00 ZZ
360 288,990.55 1
110 FIFERS LANE 7.000 1,932.71 78
6.750 1,932.71 377,000.00
BOXBORO MA 01719 2 06/25/98 00
7210587521 05 08/01/98 0
7210587521 O 07/01/28
0
1854101 543/543 F 258,600.00 ZZ
360 257,418.36 1
LOT 14 BEAVER BROOK ESTATE 6.500 1,634.53 80
6.250 1,634.53 323,265.00
WESTFORD MA 01886 1 07/13/98 00
7210455645 05 09/01/98 0
7210455645 O 08/01/28
0
1854102 543/543 F 263,700.00 ZZ
360 262,446.93 1
15 NICHOLS ROAD 7.250 1,798.90 78
7.000 1,798.90 338,500.00
LEXINGTON MA 02173 2 06/19/98 00
7210557079 05 08/01/98 0
7210557079 O 07/01/28
0
1854108 543/543 F 260,000.00 ZZ
360 259,181.31 1
JOHNSON POINT 7.250 1,773.66 52
7.000 1,773.66 500,000.00
ORRS ISLAND ME 04066 2 07/31/98 00
7210646088 05 10/01/98 0
7210646088 O 09/01/28
0
1
1854125 543/G01 F 242,400.00 ZZ
360 241,636.72 1
1958 GREENSBORO DRIVE 7.250 1,653.60 80
7.000 1,653.60 303,000.00
WHEATON IL 60187 1 08/27/98 00
0431152073 05 10/01/98 0
7210693930 O 09/01/28
0
1854127 543/G01 F 304,650.00 ZZ
360 303,338.87 1
16 CHAPEL OAK DRIVE 7.750 2,182.55 90
7.500 2,182.55 338,500.00
PITTSBURGH PA 15238 1 06/30/98 11
0431151109 05 08/01/98 25
7210541957 O 07/01/28
0
1854128 543/G01 F 275,500.00 ZZ
360 274,464.83 1
893 WAVERLY COURT 7.500 1,926.34 79
7.250 1,926.34 350,000.00
AURORA IL 60504 2 07/27/98 00
0431152107 05 09/01/98 0
7210546923 O 08/01/28
0
1854130 543/G01 F 248,000.00 ZZ
360 245,935.82 1
5305 SAWHORSE DRIVE 7.250 1,691.80 80
7.000 1,691.80 312,250.00
HOFFMAN ESTATES IL 60192 2 02/04/98 00
0431151703 05 04/01/98 0
7210378988 O 03/01/28
0
1854166 956/G01 F 206,000.00 ZZ
360 206,000.00 1
702 BRIAR HILL CIRCLE 7.375 1,422.79 80
7.125 1,422.79 257,500.00
SIMI VALLEY CA 93065 1 12/02/98 00
0431133735 05 02/01/99 0
508070470 O 01/01/29
0
1854188 543/543 F 250,000.00 ZZ
360 248,640.72 1
1
9 DRUMMOND COURT 6.750 1,621.50 72
6.500 1,621.50 350,000.00
DANVERS MA 01923 1 06/30/98 00
7210587430 05 08/01/98 0
7210587430 O 07/01/28
0
1854201 M29/G01 F 410,000.00 ZZ
360 410,000.00 1
3197 NELSON ROAD 7.500 2,866.78 69
7.250 2,866.78 600,000.00
LONGMONT CO 80503 2 12/10/98 00
0431161892 05 02/01/99 0
0000 O 01/01/29
0
1854356 964/G01 F 211,200.00 ZZ
360 211,200.00 1
4483 VIA MAJORCA 7.250 1,440.76 80
7.000 1,440.76 264,000.00
CYPRESS CA 90630 1 12/03/98 00
0431134808 05 02/01/99 0
45918 O 01/01/29
0
1854393 E82/G01 F 399,000.00 ZZ
360 399,000.00 1
5105 52ND AVENUE NORTHWES 7.000 2,654.56 57
6.750 2,654.56 708,000.00
WASHINGTON DC 20016 2 12/09/98 00
0400153375 05 02/01/99 0
400153375 O 01/01/29
0
1854400 637/G01 F 496,000.00 ZZ
360 495,593.43 1
5458 EAST MERCER WAY 7.000 3,299.90 57
6.750 3,299.90 871,000.00
MERCER ISLAND WA 98040 2 11/04/98 00
0431147875 05 01/01/99 0
0010483352 O 12/01/28
0
1854403 E82/G01 F 105,000.00 ZZ
360 105,000.00 1
9212 KELLEY LOUISE 7.750 752.23 58
7.500 752.23 184,000.00
FLORENCE KY 41042 1 12/14/98 00
0400167276 05 02/01/99 0
1
400167276 O 01/01/29
0
1854412 637/G01 F 280,000.00 ZZ
360 279,781.57 1
801 AQUITAINE COURT 7.250 1,910.10 64
7.000 1,910.10 443,512.00
LAS VEGAS NV 89128 1 11/03/98 00
0431138452 03 01/01/99 0
8449019 O 12/01/28
0
1854413 E82/G01 F 114,500.00 ZZ
360 114,500.00 1
6412 SOUTH CRESTLINE 7.125 771.41 62
6.875 771.41 185,000.00
SPOKANE WA 99223 2 12/08/98 00
0400164257 05 02/01/99 0
400164257 O 01/01/29
0
1854607 601/G01 F 338,950.00 ZZ
360 338,665.24 1
8025 ROSILINE DRIVE 6.875 2,226.66 77
6.625 2,226.66 442,000.00
CLAYTON MO 63105 2 11/24/98 00
0431138056 05 01/01/99 0
1288669 O 12/01/28
0
1854609 601/G01 F 245,000.00 ZZ
360 244,799.18 1
2 SEAWANHAKA PLACE 7.000 1,629.99 66
6.750 1,629.99 374,000.00
OYSTER BAY NY 11771 1 11/10/98 00
0431135508 05 01/01/99 0
12802385 O 12/01/28
0
1854612 K08/G01 F 295,600.00 ZZ
360 295,600.00 1
6107 MELROSE COURT 6.750 1,917.26 74
6.500 1,917.26 400,000.00
FORT COLLINS CO 80525 5 12/04/98 00
0411133598 03 02/01/99 0
411133598 O 01/01/29
0
1
1854620 601/G01 F 315,500.00 ZZ
360 315,259.93 1
1289 TAMMANY LANE 7.375 2,179.08 64
7.125 2,179.08 500,000.00
TOWN AND COUNTR MO 63131 2 11/10/98 00
0431137983 05 01/01/99 0
12722112 O 12/01/28
0
1854626 601/G01 F 315,000.00 ZZ
360 314,741.80 1
358 LINDEN STREET 7.000 2,095.70 62
6.750 2,095.70 510,000.00
GLEN ELLYN IL 60137 2 11/24/98 00
0431137926 05 01/01/99 0
12847265 O 12/01/28
0
1854627 601/G01 F 250,000.00 ZZ
360 249,795.07 1
LOT 2 GALE ROAD 7.000 1,663.26 61
6.750 1,663.26 410,000.00
HAMPTON NH 03842 2 11/10/98 00
0431137975 05 01/01/99 0
0432575 O 12/01/28
0
1854628 601/G01 F 261,500.00 ZZ
360 261,274.85 1
1009 NORTH RICHARDSON PLACE 6.750 1,696.09 75
6.500 1,696.09 350,000.00
BRYANT AR 72022 2 11/16/98 00
0431137900 05 01/01/99 0
1285509 O 12/01/28
0
1854634 601/G01 F 369,500.00 ZZ
360 369,157.77 1
7301 SPRIGGS FORD COURT 6.375 2,305.20 80
6.125 2,305.20 462,000.00
MANASSAS VA 20112 1 11/13/98 00
0431135599 05 01/01/99 0
1282486 O 12/01/28
0
1854642 601/G01 F 312,500.00 ZZ
360 312,256.22 1
1995 DOGWOOD DRIVE 7.250 2,131.80 77
7.000 2,131.80 408,000.00
1
SCOTCH PLAINS NJ 07090 2 11/16/98 00
0431135649 05 01/01/99 0
12807772 O 12/01/28
0
1854645 601/G01 F 275,000.00 ZZ
360 274,768.97 1
16 GRANADA WAY 6.875 1,806.55 56
6.625 1,806.55 497,000.00
ST LOUIS MO 63124 5 11/10/98 00
0431135698 03 01/01/99 0
1288749 O 12/01/28
0
1854650 637/G01 F 250,000.00 ZZ
360 249,809.77 1
2203 SEACLIFF DRIVE 7.375 1,726.69 72
7.125 1,726.69 350,000.00
MILPITAS CA 95035 5 11/24/98 00
0431142462 05 01/01/99 0
0010951820 O 12/01/28
0
1854664 637/G01 F 110,000.00 ZZ
360 109,907.58 1
2116 WOODBRIAR COURT 6.875 722.63 58
6.625 722.63 190,000.00
FULLERTON CA 92831 1 11/24/98 00
0431151463 09 01/01/99 0
0010695302 O 12/01/28
0
1854682 J95/J95 F 359,000.00 ZZ
360 358,395.07 1
27158 SE 25TH PLACE 6.875 2,358.37 76
6.625 2,358.37 475,000.00
ISSAQUAH WA 98029 2 10/16/98 00
0013310693 03 12/01/98 0
0013310693 O 11/01/28
0
1854715 F18/G01 F 180,000.00 ZZ
360 180,000.00 1
475 CROCKER AVENUE 7.250 1,227.92 80
7.000 1,227.92 225,000.00
DALY CITY CA 94014 1 12/10/98 00
0431140888 07 02/01/99 0
00392 O 01/01/29
0
1
1854720 F18/G01 F 425,000.00 ZZ
360 425,000.00 1
65 FAIRVIEW AVENUE 7.250 2,899.25 75
7.000 2,899.25 570,000.00
PIEDMONT CA 94610 2 12/07/98 00
0431140896 05 02/01/99 0
00375 O 01/01/29
0
1854723 964/G01 F 256,000.00 ZZ
360 256,000.00 1
80 LELAND DRIVE 6.875 1,681.74 80
6.625 1,681.74 320,000.00
NOVATO CA 94947 1 12/08/98 00
0431137892 05 02/01/99 0
41323 O 01/01/29
0
1854735 E26/G01 F 300,000.00 ZZ
360 299,754.09 1
311 LYNN OAKS COURT 7.000 1,995.91 92
6.750 1,995.91 327,000.00
THOUSAND OAKS CA 91320 1 11/16/98 11
0431135227 05 01/01/99 30
34801773 O 12/01/28
0
1854767 K08/G01 F 450,400.00 ZZ
360 450,400.00 1
1414 WATERWOOD DRIVE 7.500 3,149.26 80
7.250 3,149.26 563,000.00
MANSFIELD TX 76063 1 12/11/98 00
0411186125 03 02/01/99 0
411186125 O 01/01/29
0
1854774 K08/G01 F 650,000.00 ZZ
360 650,000.00 1
80 SEDGWICK PLACE 7.125 4,379.17 76
6.875 4,379.17 860,000.00
ENGLEWOOD CO 80110 2 12/07/98 00
0411150758 03 02/01/99 0
411150758 O 01/01/29
0
1854778 B27/G01 F 380,000.00 ZZ
360 380,000.00 1
1
1 JAMES MILLEN ROAD 6.875 2,496.33 73
6.625 2,496.33 525,353.00
NORTH READING MA 01864 1 12/15/98 00
0431142918 05 02/01/99 0
0000 O 01/01/29
0
1854793 E82/G01 F 400,000.00 ZZ
360 400,000.00 1
8415 EAST MERCER WAY 7.125 2,694.87 73
6.875 2,694.87 550,000.00
MERCER ISLAND WA 98040 5 12/11/98 00
0400162616 05 02/01/99 0
400162616 O 01/01/29
0
1854801 K08/G01 F 380,800.00 ZZ
360 380,800.00 1
1072 RIDGEMARK DRIVE 7.250 2,597.73 80
7.000 2,597.73 476,000.00
HOLLISTER CA 95023 1 12/02/98 00
0411094766 05 02/01/99 0
411094766 O 01/01/29
0
1854807 638/G01 F 295,000.00 ZZ
360 294,775.53 1
33 STARKNAUGHT HEIGHTS 7.375 2,037.49 79
7.125 2,037.49 374,000.00
GLOUCESTER MA 01930 1 11/25/98 00
0431136944 05 01/01/99 0
08816721 O 12/01/28
0
1854811 638/G01 F 488,000.00 ZZ
360 487,646.80 1
640 ROCK HOSE LANE 7.625 3,454.03 80
7.375 3,454.03 610,000.00
SAN RAMON CA 94583 5 11/20/98 00
0431136928 05 01/01/99 0
08811152 O 12/01/28
0
1854812 026/G01 F 306,500.00 ZZ
360 306,500.00 1
6100 LOMOND COURT 6.375 1,912.17 80
6.125 1,912.17 383,215.00
SUMMERFIELD NC 27358 1 12/09/98 00
0431151786 03 02/01/99 0
1
0200199021 O 01/01/29
0
1854813 638/G01 F 290,000.00 ZZ
360 289,762.29 1
298 WINNISIMET DRIVE 7.000 1,929.38 61
6.750 1,929.38 482,000.00
TIVERTON RI 02878 1 11/20/98 00
0431141282 05 01/01/99 0
08816114 O 12/01/28
0
1854818 K08/G01 F 112,500.00 ZZ
360 112,500.00 1
2619 SOUTH KIHEI ROAD 7.500 786.62 75
UNIT # B310 7.250 786.62 150,000.00
KIHEI HI 96753 1 12/04/98 00
0411161870 01 02/01/99 0
411161870 O 01/01/29
0
1854819 638/G01 F 300,000.00 ZZ
360 299,765.97 1
5223 WINNETKA AVENUE 7.250 2,046.53 34
7.000 2,046.53 900,000.00
WOODLAND HILLS CA 91364 5 11/20/98 00
0431136910 05 01/01/99 0
08810160 O 12/01/28
0
1854827 638/G01 F 358,000.00 ZZ
360 357,740.89 1
1845 SHERIDAN AVENUE 7.625 2,533.90 78
7.375 2,533.90 460,000.00
SAN DIEGO CA 92103 2 12/02/98 00
0431136514 05 01/01/99 0
8795991 O 12/01/28
0
1854828 638/G01 F 308,000.00 ZZ
360 307,753.70 1
51 MERCURY AVENUE 7.125 2,075.05 68
6.875 2,075.05 457,000.00
TIBURON CA 94920 2 11/20/98 00
0431136571 05 01/01/99 0
08817606 O 12/01/28
0
1
1854845 K08/G01 F 325,000.00 ZZ
360 325,000.00 1
7205 91ST PLACE SOUTHEAST 7.125 2,189.59 62
6.875 2,189.59 530,000.00
MERCER ISLAND WA 98040 2 12/01/98 00
0411171531 05 02/01/99 0
411171531 O 01/01/29
0
1854847 K08/G01 F 328,800.00 ZZ
360 328,800.00 1
328 SOUTH REDONDO AVENUE 7.375 2,270.94 80
7.125 2,270.94 411,000.00
MANHATTAN BEACH CA 90266 1 12/04/98 00
0411136823 05 02/01/99 0
411136823 O 01/01/29
0
1854849 K08/G01 F 393,600.00 ZZ
360 393,600.00 1
15050 COLEMAN VALLEY ROAD 7.000 2,618.63 80
6.750 2,618.63 492,000.00
OCCIDENTAL CA 95465 1 12/02/98 00
0411184286 05 02/01/99 0
411184286 O 01/01/29
0
1854851 638/G01 F 250,000.00 ZZ
360 249,809.77 1
536 EDINBURGH STREET 7.375 1,726.69 62
7.125 1,726.69 407,500.00
SAN FRANCISCO CA 94112 1 11/23/98 00
0431135953 05 01/01/99 0
08824763 O 12/01/28
0
1854855 K08/G01 F 261,000.00 ZZ
360 261,000.00 1
17372 DREY LANE 7.125 1,758.41 70
6.875 1,758.41 375,000.00
HUNTINGTON BEAC CA 92647 2 12/04/98 00
0411174485 05 02/01/99 0
411174485 O 01/01/29
0
1854861 638/G01 F 288,000.00 ZZ
360 287,769.69 1
23 HETFIELD PLACE 7.125 1,940.31 75
6.875 1,940.31 385,000.00
1
MORAGA CA 94556 2 11/23/98 00
0431135763 05 01/01/99 0
08800268 O 12/01/28
0
1854863 638/G01 F 400,000.00 ZZ
360 399,680.13 1
3313 ETOILE COURT 7.125 2,694.87 72
6.875 2,694.87 560,000.00
SAN JOSE CA 95135 2 11/23/98 00
0431136993 05 01/01/99 0
08798372 O 12/01/28
0
1854864 638/G01 F 125,000.00 ZZ
360 124,897.54 1
2705 JACARANDA AVENUE 7.000 831.63 44
6.750 831.63 290,000.00
CARLSBAD CA 92009 2 11/24/98 00
0431136340 05 01/01/99 0
08820668 O 12/01/28
0
1854865 637/G01 F 242,000.00 ZZ
360 241,811.21 1
1911 EAST PARK AVENUE 7.250 1,650.87 77
7.000 1,650.87 316,000.00
GILBERT AZ 85234 1 11/25/98 00
0431140391 05 01/01/99 0
0015116551 O 12/01/28
0
1854866 638/G01 F 302,500.00 ZZ
360 302,258.09 1
125 DUCK POND ROAD 7.125 2,038.00 76
6.875 2,038.00 400,000.00
WELLFLEET MA 02667 2 11/17/98 00
0431136977 05 01/01/99 0
08797554 O 12/01/28
0
1854872 638/G01 F 270,000.00 ZZ
360 269,784.09 1
1127 SOUTH LOS ROBLES AVENUE 7.125 1,819.04 57
6.875 1,819.04 480,000.00
PASADENA CA 91105 2 11/25/98 00
0431136902 05 01/01/99 0
08808520 O 12/01/28
0
1
1854876 637/G01 F 351,000.00 ZZ
360 350,719.30 1
2400 CURRY CANYON ROAD 7.125 2,364.76 90
6.875 2,364.76 390,000.00
CLAYTON CA 94517 1 11/25/98 11
0431144401 05 01/01/99 25
0010160885 O 12/01/28
0
1854877 367/367 F 300,000.00 ZZ
360 300,000.00 1
10301 BELLS MILL TERRACE 7.125 2,021.16 73
6.875 2,021.16 415,000.00
POTOMAC MD 20854 1 12/02/98 00
9810001201 05 02/01/99 0
9810001201 O 01/01/29
0
1854878 638/G01 F 319,500.00 ZZ
360 319,256.88 1
11 TIMBER TOP TRAIL 7.375 2,206.71 77
7.125 2,206.71 415,000.00
WILTON CT 06897 1 11/24/98 00
0431136225 05 01/01/99 0
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0
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SANTA CLARA CA 95051 1 11/11/98 00
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ALAMEDA CA 94501 1 11/19/98 00
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LOOMIS CA 95650 1 11/20/98 00
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SAN DIEGO CA 92129 1 11/17/98 00
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SAN DIEGO CA 92129 1 11/09/98 00
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THOUSAND OAKS CA 91320 1 11/04/98 00
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1854980 462/462 F 138,800.00 ZZ
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ROSEVILLE CA 95661 1 11/16/98 00
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BOTHELL WA 98011 5 12/02/98 00
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SIMI VALLEY CA 93065 1 11/17/98 00
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1854985 462/462 F 280,700.00 ZZ
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6726 LONICERA STREET 6.625 1,797.35 80
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CARLSBAD CA 92009 1 10/16/98 00
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1854988 B57/G01 F 255,000.00 ZZ
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OXNARD CA 93030 2 12/04/98 00
0431136035 05 02/01/99 0
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1854989 462/462 F 349,250.00 ZZ
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8236 VIA ESCALADA 7.000 2,323.57 80
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SAN DIEGO CA 92129 1 10/27/98 00
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1854991 462/462 F 400,000.00 ZZ
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8315 VIA PANACEA 7.250 2,728.70 76
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SAN DIEGO CA 92129 1 11/10/98 00
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1854995 462/462 F 268,300.00 ZZ
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CARLSBAD CA 92111 1 11/17/98 00
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1854997 462/462 F 391,750.00 ZZ
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COTO DE CAZA AR CA 92679 1 11/16/98 00
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1
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CORAL GABLES FL 33134 1 10/30/98 00
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1855001 462/462 F 108,350.00 ZZ
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COCONUT CREEK FL 33073 1 11/24/98 00
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1855004 462/462 F 280,650.00 ZZ
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THOUSAND OAKS CA 91320 1 11/09/98 00
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1855008 462/462 F 470,250.00 ZZ
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CORAL SPRINGS FL 33071 2 10/26/98 00
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1855010 462/462 F 352,000.00 ZZ
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8162 VIA PANACEA 7.125 2,371.49 80
6.875 2,371.49 440,000.00
SAN DIEGO CA 92129 1 11/13/98 00
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0
1855014 462/462 F 350,000.00 ZZ
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19132 FESTIVAL CIRCLE 7.000 2,328.56 49
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HUNTINGTON BEAC CA 92648 1 11/09/98 00
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1855028 E82/G01 F 320,000.00 ZZ
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18800 SOUTHEAST CROSSWINDS LN 7.000 2,128.97 87
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JUPITER FL 33478 2 12/11/98 04
0400172045 03 02/01/99 25
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1855029 E82/G01 F 500,000.00 ZZ
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315 HIGHLAND TERRACE 6.875 3,284.64 56
6.625 3,284.64 900,000.00
WOODSIDE CA 94062 5 12/11/98 00
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1855031 956/G01 F 420,000.00 ZZ
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505 SAPPHIRE STREET 7.125 2,829.62 56
6.875 2,829.62 750,000.00
REDWOOD CITY CA 94062 5 11/25/98 00
0431137801 05 01/01/99 0
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1855033 956/G01 F 288,000.00 ZZ
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30015 1ST PLACE SOUTH 6.750 1,867.96 72
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FEDERAL WAY WA 98003 2 11/24/98 00
0431136308 05 01/01/99 0
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1855034 956/G01 F 330,000.00 ZZ
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207 BORDEAUX LANE 7.250 2,251.18 73
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CARY NC 27511 5 12/08/98 00
0431136118 03 02/01/99 0
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1746 T STREET NW 7.250 3,142.10 74
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WASHINGTON DC 20009 2 12/04/98 00
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411181787 O 01/01/29
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1855137 A33/G01 F 295,750.00 ZZ
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12070 NORTH 76TH COURT 7.250 2,017.54 87
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SCOTTSDALE AZ 85260 2 11/16/98 04
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1855157 A33/G01 F 310,000.00 ZZ
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5315 E ANDERSON DR 6.875 2,036.48 83
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SCOTTSDALE AZ 85254 2 11/19/98 10
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SAN JOSE CA 95118 1 12/04/98 00
0431136449 05 02/01/99 0
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1855196 455/G01 F 448,000.00 ZZ
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1860 GRIST STONE COURT 7.750 3,209.53 70
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ATLANTA GA 30307 2 12/10/98 00
0431137827 05 02/01/99 0
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1197 POMELO COURT 7.375 1,913.18 51
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SUNNYVALE CA 94087 2 11/21/98 00
0431140151 05 02/01/99 0
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1855229 356/G01 F 402,000.00 ZZ
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45796 VINEHILL TERRACE 7.375 2,776.52 34
7.125 2,776.52 1,200,000.00
FREMONT CA 94539 5 11/23/98 00
0431140102 05 02/01/99 0
2588820 O 01/01/29
0
1855233 356/G01 F 250,000.00 ZZ
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GRANITE BAY CA 95746 2 11/21/98 00
0431140128 03 02/01/99 0
2583946 O 01/01/29
0
1855250 685/G01 F 312,000.00 ZZ
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25904 MATFIELD DRIVE 7.250 2,128.39 80
7.000 2,128.39 390,000.00
TORRANCE CA 90505 5 12/03/98 00
0431140490 05 02/01/99 0
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1855252 K68/G01 F 300,000.00 ZZ
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109 ROYAL LYTHAM 7.250 2,046.53 73
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JACKSON MS 39211 5 11/17/98 00
0431144286 05 01/01/99 0
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14759 SW 38 STREET 6.875 696.34 77
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MIAMI FL 33185 2 12/03/98 00
0411143464 05 02/01/99 0
1
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1855283 F27/F27 F 281,600.00 ZZ
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854 STEAMBOAT LANDING COURT 7.250 1,921.01 80
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WOODBRIDGE VA 22191 1 12/04/98 00
6060036304 03 01/01/99 0
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1855310 624/G01 F 305,000.00 ZZ
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6521 BEACH DRIVE SOUTHWEST 6.625 1,952.95 52
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SEATTLE WA 98138 5 12/03/98 00
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PACIFIC PALISAD CA 90272 2 12/03/98 00
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1855327 964/G01 F 268,000.00 ZZ
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19325 ARKAY COURT 7.250 1,828.23 80
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SONOMA CA 95476 1 12/02/98 00
0431137611 05 02/01/99 0
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1855334 964/G01 F 428,000.00 ZZ
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119 NORTH GORDON WAY 7.125 2,883.52 42
6.875 2,883.52 1,025,000.00
LOS ALTOS CA 94022 2 12/04/98 00
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5004 MORRILL COURT 6.625 1,654.56 80
6.375 1,654.56 323,049.00
EL DORADO HILLS CA 95762 1 11/04/98 00
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1855342 462/462 F 254,400.00 ZZ
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3218 YOSEMITE PARK WAY 7.000 1,692.53 90
6.750 1,692.53 283,361.00
ELK GROVE CA 95758 1 10/16/98 14
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1855343 964/G01 F 247,500.00 ZZ
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6.750 1,646.62 370,000.00
HUNTINGTON BEAC CA 92647 2 12/01/98 00
0431138296 05 02/01/99 0
44247 O 01/01/29
0
1855346 964/G01 F 280,000.00 ZZ
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29036 CANYON VISTA DRIVE 7.250 1,910.09 80
7.000 1,910.09 350,000.00
TRABUCO CANYON CA 92679 1 12/04/98 00
0431138320 05 02/01/99 0
45270 O 01/01/29
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1855347 462/462 F 242,200.00 ZZ
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6423 RUBY WAY 7.500 1,693.50 78
7.250 1,693.50 313,000.00
CARLSBAD CA 92009 1 11/06/98 00
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1855349 462/462 F 454,900.00 ZZ
360 454,527.11 1
210 CLARA COURT 7.000 3,026.47 65
6.750 3,026.47 699,915.00
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FREMONT CA 94539 1 11/04/98 00
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0005682307 O 12/01/28
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1855350 462/462 F 384,500.00 ZZ
360 384,207.43 1
2226 VISTA CHAPARRAL 7.375 2,655.64 80
7.125 2,655.64 480,653.00
CARLSBAD CA 92009 1 11/11/98 00
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1855356 462/462 F 250,000.00 ZZ
360 249,588.95 1
561 CAMINO AGUA DULCE 7.000 1,663.26 80
6.750 1,663.26 312,820.00
THOUSAND OAKS CA 91320 1 10/16/98 00
0005695705 01 12/01/98 0
0005695705 O 11/01/28
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1855379 L81/G01 F 300,000.00 ZZ
360 300,000.00 1
43 WAKONDA 7.000 1,995.91 58
6.750 1,995.91 525,000.00
DOVE CANYON CA 92679 5 12/17/98 00
0431158690 05 02/01/99 0
0000 O 01/01/29
0
1855383 E23/G01 F 236,250.00 ZZ
360 236,250.00 1
3257 BONITA MESA ROAD 7.750 1,692.52 75
7.500 1,692.52 315,000.00
BONITA CA 91902 5 12/03/98 00
0431138635 05 02/01/99 0
50505197 O 01/01/29
0
1855385 B57/G01 F 265,000.00 ZZ
360 265,000.00 1
412 KNIGHT WAY 6.750 1,718.78 67
6.500 1,718.78 400,000.00
LA CANADA FLINT CA 91011 2 12/08/98 00
0431137579 05 02/01/99 0
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1
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360 410,000.00 1
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LAKE FOREST IL 60045 2 12/11/98 00
0431147271 03 02/01/99 0
277465100 O 01/01/29
0
1855390 B28/G01 F 127,500.00 ZZ
360 127,500.00 1
4988 SOUTH NELSON STREET 7.375 880.62 75
#A 7.125 880.62 170,000.00
LITTLETON CO 80127 1 12/09/98 00
0431150077 01 02/01/99 0
02981499 O 01/01/29
0
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360 500,000.00 1
899 ROSEMARY 6.875 3,284.65 50
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LAKE FOREST IL 60045 2 12/11/98 00
0431141084 05 02/01/99 0
341383603 O 01/01/29
0
1855396 E33/G01 F 400,000.00 ZZ
360 400,000.00 1
806 ROSEWOOD 6.875 2,627.72 54
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WINNETKA IL 60093 2 12/11/98 00
0431141936 05 02/01/99 0
346422729 O 01/01/29
0
1855402 G52/G01 F 274,500.00 ZZ
360 274,500.00 1
5411 NORTH VIA VELAZQUEZ 7.250 1,872.57 90
7.000 1,872.57 305,000.00
TUCSON AZ 85750 1 12/02/98 10
0431137488 03 02/01/99 25
97002012 O 01/01/29
0
1855415 601/G01 F 307,000.00 ZZ
360 305,846.47 1
1
2112 MANZANITA DRIVE 7.500 2,146.59 72
7.250 2,146.59 429,000.00
PIEDMONT CA 94611 1 07/06/98 00
0431153808 05 09/01/98 0
3005234 O 08/01/28
0
1855422 813/813 F 408,000.00 ZZ
360 407,665.56 1
630 KUIAHA STREET 7.000 2,714.44 70
6.750 2,714.44 585,000.00
HAIKU HI 96708 2 11/24/98 00
8100016564 05 01/01/99 0
8100016564 O 12/01/28
0
1855427 601/G01 F 240,300.00 ZZ
360 239,885.05 1
1045 GOLFER'S CT SE 6.750 1,558.58 90
6.500 1,558.58 267,052.00
ROCHESTER MN 55904 1 10/30/98 14
0431137082 05 12/01/98 25
13003678 O 11/01/28
0
1855432 601/G01 F 500,000.00 ZZ
360 499,579.94 1
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CLAYTON MO 63105 2 11/23/98 00
0431137058 05 01/01/99 0
12894697 O 12/01/28
0
1855438 601/G01 F 247,000.00 ZZ
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OMAHA NE 68135 1 11/30/98 00
0431137587 05 01/01/99 0
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0
1855443 601/G01 F 650,000.00 ZZ
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PORTLAND OR 97236 2 11/12/98 00
0431137728 03 01/01/99 0
1
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0
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2650 COEUR D ALENE DRIVE 7.250 1,705.45 90
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WEST LINN OR 97068 1 11/16/98 04
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0
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MOKENA IL 60448 2 11/18/98 10
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0
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ENGLEWOOD CO 80112 1 11/18/98 10
0431137371 05 01/01/99 30
21060074 O 12/01/28
0
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360 246,600.00 1
14794 BLAKENEY ROAD 6.750 1,599.44 70
6.500 1,599.44 352,500.00
EDEN PRAIRIE MN 55347 2 12/11/98 00
0400156790 05 02/01/99 0
400156790 O 01/01/29
0
1855480 562/562 F 130,000.00 ZZ
360 130,000.00 1
5733 MOSHOLU AVENUE 7.500 908.98 57
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BRONX NY 10471 5 12/11/98 00
581306 07 02/01/99 0
581306 O 01/01/29
0
1
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360 330,400.00 1
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IRVINE CA 92606 1 12/01/98 00
0431150119 03 02/01/99 0
982877 O 01/01/29
0
1855551 940/G01 F 51,000.00 ZZ
360 51,000.00 1
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6.750 339.31 233,000.00
CHINO (AREA) CA 91710 2 12/07/98 00
0431143791 05 02/01/99 0
46732 O 01/01/29
0
1855559 638/G01 F 243,200.00 ZZ
240 242,747.14 1
100 DICKEY COURT 7.250 1,922.19 80
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MIDDLETOWN DE 19709 2 11/19/98 00
0431139930 05 01/01/99 0
08810902 O 12/01/18
0
1855564 638/G01 F 364,000.00 ZZ
360 363,729.86 1
1035 SHORELINE DRIVE 7.500 2,545.14 80
7.250 2,545.14 455,000.00
SAN MATEO CA 94404 1 11/13/98 00
0431139617 01 01/01/99 0
8821082 O 12/01/28
0
1855568 638/G01 F 320,000.00 ZZ
360 319,744.10 1
26069 BALDWIN PLACE 7.125 2,155.90 80
6.875 2,155.90 400,000.00
STEVENSON RANCH CA 91381 5 11/24/98 00
0431139500 03 01/01/99 0
8818697 O 12/01/28
0
1855572 638/G01 F 260,300.00 ZZ
360 260,096.95 1
3150 PURER ROAD 7.250 1,775.70 80
7.000 1,775.70 325,400.00
1
ESCONDIDO CA 92029 1 11/23/98 00
0431139427 05 01/01/99 0
8821319 O 12/01/28
0
1855573 638/G01 F 290,000.00 ZZ
360 290,000.00 1
7531 CAMINO DEL RIO NW 7.125 1,953.78 80
6.875 1,953.78 362,500.00
ALBUQUEQUE NM 87114 1 12/01/98 00
0431138205 05 02/01/99 0
8830148 O 01/01/29
0
1855575 638/G01 F 112,500.00 ZZ
360 112,420.60 1
18209 INGOMAR STREET 7.750 805.96 75
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RESEDA AREA CA 91335 1 11/11/98 00
0431139658 05 01/01/99 0
8816811 O 12/01/28
0
1855582 638/G01 F 288,000.00 ZZ
360 287,786.26 1
6926 BLUEGRASS COURT 7.500 2,013.74 80
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LIVERMORE CA 94550 1 11/24/98 00
0431138403 05 01/01/99 0
08778208 O 12/01/28
0
1855585 638/G01 F 300,000.00 ZZ
360 299,760.09 1
3661 CALLIE JOAQUIN 7.125 2,021.16 72
6.875 2,021.16 419,950.00
CALABASAS CA 91302 1 11/23/98 00
0431139088 03 01/01/99 0
8788040 O 12/01/28
0
1855589 638/G01 F 288,000.00 ZZ
360 287,791.55 1
109 CROFTON HILL LANE 7.625 2,038.45 90
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ROCKVILLE MD 20850 2 11/02/98 10
0431138445 09 01/01/99 25
8809597 O 12/01/28
0
1
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360 106,422.92 1
8617 HIGHLAND VIEW AVENUE 7.625 753.80 54
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LAS VEGAS NV 89128 2 11/25/98 00
0431138379 05 01/01/99 0
8827789 O 12/01/28
0
1855594 638/G01 F 267,950.00 ZZ
360 267,735.72 1
33789 RYE TERRACE 7.125 1,805.23 80
6.875 1,805.23 335,000.00
FREMONT CA 94555 1 11/19/98 00
0431138932 03 01/01/99 0
08819496 O 12/01/28
0
1855598 638/G01 F 272,000.00 ZZ
360 271,777.05 1
8495 PATHOS COURT 7.000 1,809.62 80
6.750 1,809.62 340,000.00
SAN DIEGO CA 92129 5 11/25/98 00
0431138213 05 01/01/99 0
8818221 O 12/01/28
0
1855599 K08/G01 F 140,000.00 ZZ
360 140,000.00 1
390 KOOTENAI CREEK ROAD 7.375 966.95 51
7.125 966.95 277,000.00
STEVENSVILLE MT 59870 5 12/07/98 00
0411130966 05 02/01/99 0
411130966 O 01/01/29
0
1855601 638/G01 F 375,000.00 ZZ
360 375,000.00 1
1432 EAST SOUTH TEMPLE 7.125 2,526.44 71
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SALT LAKE CITY UT 84102 1 12/08/98 00
0431140201 05 02/01/99 0
8832865 O 01/01/29
0
1855610 K08/G01 F 181,500.00 ZZ
360 181,500.00 1
1
29661 MAYFAIR 7.500 1,269.07 73
7.250 1,269.07 250,000.00
FARMINGTON MI 48331 2 12/08/98 00
0411064017 05 02/01/99 0
411064017 O 01/01/29
0
1855613 638/G01 F 373,500.00 ZZ
240 372,804.51 1
72 MOUNTAIN AVENUE 7.250 2,952.05 90
7.000 2,952.05 415,000.00
WEST ORANGE NJ 07052 1 11/17/98 14
0431138866 05 01/01/99 25
8809678 O 12/01/18
0
1855614 D13/D13 F 350,000.00 ZZ
360 350,000.00 1
76 RIDGEWAY AVENUE 7.250 2,387.62 66
7.000 2,387.62 535,000.00
NEEDHAM MA 02192 5 12/09/98 00
164 05 02/01/99 0
164 O 01/01/29
0
1855628 K08/G01 F 332,000.00 ZZ
360 332,000.00 1
6797 PENRIDGE DRIVE 7.750 2,378.49 80
7.500 2,378.49 415,000.00
CENTERVILLE OH 45459 2 12/09/98 00
0411184641 05 02/01/99 0
411184641 O 01/01/29
0
1855643 462/462 F 438,450.00 ZZ
360 438,090.60 1
12527 SENDA PANACEA 7.000 2,917.02 90
6.750 2,917.02 487,180.00
SAN DIEGO CA 92129 1 11/12/98 12
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0005457601 O 12/01/28
0
1855653 462/462 F 251,800.00 ZZ
360 251,385.98 1
12127 MILLSTREAM WAY 7.000 1,675.24 75
6.750 1,675.24 335,782.00
HOUSTON TX 77041 1 10/27/98 00
0005524400 03 12/01/98 0
1
0005524400 O 11/01/28
0
1855657 462/462 F 280,000.00 ZZ
360 279,539.62 1
664 VIA MADERA 7.000 1,862.85 72
6.750 1,862.85 392,375.00
THOUSAND OAKS A CA 91320 1 10/23/98 00
0005534607 03 12/01/98 0
0005534607 O 11/01/28
0
1855665 462/462 F 256,700.00 ZZ
360 256,514.20 1
4614 VIA DEL RANCHO 7.625 1,816.91 80
7.375 1,816.91 320,905.00
THOUSAND OAKS CA 91320 1 11/10/98 00
0005612908 03 01/01/99 0
0005612908 O 12/01/28
0
1855671 462/462 F 480,400.00 ZZ
360 479,549.96 1
2675 SYCAMORE GROVE PLACE 6.625 3,076.06 80
6.375 3,076.06 600,511.00
SAN JOSE CA 95121 1 10/21/98 00
0005794508 05 12/01/98 0
0005794508 O 11/01/28
0
1855677 637/G01 F 280,000.00 ZZ
360 280,000.00 1
7533 PINEBROOK RD 7.125 1,886.42 63
6.875 1,886.42 450,000.00
PARK CITY UT 84068 5 12/01/98 00
0431141613 05 02/01/99 0
0014773196 O 01/01/29
0
1855686 637/G01 F 300,000.00 ZZ
360 300,000.00 1
4361 EDGEWOOD AVENUE 7.250 2,046.53 74
7.000 2,046.53 410,000.00
OAKLAND CA 94602 1 12/03/98 00
0431144328 05 02/01/99 0
0010162956 O 01/01/29
0
1
1855702 637/G01 F 248,500.00 ZZ
360 248,291.23 1
197 RAMONA ROAD 6.875 1,632.47 70
6.625 1,632.47 360,000.00
DANVILLE CA 94526 2 11/30/98 00
0431144377 05 01/01/99 0
0010155299 O 12/01/28
0
1855731 462/462 F 271,750.00 ZZ
360 271,521.69 1
4401 CAMINO DE LAS ESTRELLAS 6.875 1,785.21 80
6.625 1,785.21 340,000.00
THOUSAND OAKS CA 91320 1 11/18/98 00
0005966106 01 01/01/99 0
0005966106 O 12/01/28
0
1855732 462/462 F 220,550.00 ZZ
360 220,364.71 1
4406 CAMINO DE LA ROSA 6.875 1,448.86 80
6.625 1,448.86 276,000.00
THOUSAND OAKS CA 91320 1 11/12/98 00
0005975503 01 01/01/99 0
0005975503 O 12/01/28
0
1855733 462/462 F 266,450.00 ZZ
360 266,247.25 1
6424 RUBY WAY 7.375 1,840.31 80
7.125 1,840.31 333,063.00
CARLSBAD CA 92009 1 11/16/98 00
0005801600 03 01/01/99 0
0005801600 O 12/01/28
0
1855734 601/G01 F 274,000.00 ZZ
360 274,000.00 1
54 HUNT ROAD 7.125 1,845.99 80
6.875 1,845.99 345,000.00
KINGSTON NH 03848 4 12/03/98 00
0431139591 05 02/01/99 0
12258752 O 01/01/29
0
1855736 462/462 F 340,000.00 ZZ
360 339,427.08 1
19138 FESTIVAL CIRCLE 6.875 2,233.56 50
6.625 2,233.56 682,000.00
1
HUNTINGTON BEAC CA 92648 1 10/16/98 00
0005971601 03 12/01/98 0
0005971601 O 11/01/28
0
1855738 462/462 F 276,100.00 ZZ
360 275,868.03 1
4430 CAMINO DE LA ROSA 6.875 1,813.79 95
6.625 1,813.79 291,000.00
THOUSAND OAKS CA 91320 1 11/04/98 12
0005988605 01 01/01/99 30
0005988605 O 12/01/28
0
1855740 462/462 F 522,050.00 ZZ
360 521,622.07 1
6451 GLENVIEW CIRCLE 7.000 3,473.22 80
6.750 3,473.22 652,621.00
HUNTINGTON BEAC CA 92648 1 11/12/98 00
0005993704 03 01/01/99 0
0005993704 O 12/01/28
0
1855745 K08/G01 F 304,800.00 ZZ
360 304,800.00 1
3505 N.W. 89TH WAY 7.375 2,105.18 80
7.125 2,105.18 381,000.00
COOPER CITY FL 33024 1 12/14/98 00
0411194202 03 02/01/99 0
411194202 O 01/01/29
0
1855746 964/G01 F 380,000.00 ZZ
360 380,000.00 1
816 BLOSSOM COURT 7.125 2,560.13 80
6.875 2,560.13 475,000.00
PETALUMA CA 94952 1 12/10/98 00
0431139609 05 02/01/99 0
46095 O 01/01/29
0
1855747 462/462 F 280,000.00 ZZ
360 279,740.66 1
685 VIA DE TIERRA 6.375 1,746.84 69
6.125 1,746.84 411,385.00
THOUSAND OAKS CA 91320 1 11/18/98 00
0006011001 03 01/01/99 0
0006011001 O 12/01/28
0
1
1855748 K08/G01 F 287,100.00 ZZ
360 287,100.00 1
6410 SPRING VIEW PLACE 7.125 1,934.25 75
6.875 1,934.25 382,865.00
ROCKVILLE MD 20852 1 12/14/98 00
0411197775 09 02/01/99 0
411197775 O 01/01/29
0
1855752 462/462 F 277,850.00 ZZ
360 277,633.25 1
449 CAMINO DE LAS ESTRELLAS 7.250 1,895.43 80
7.000 1,895.43 347,329.00
THOUSAND OAKS CA 91320 1 11/05/98 00
0006033203 01 01/01/99 0
0006033203 O 12/01/28
0
1855753 601/G01 F 242,400.00 ZZ
360 242,206.15 1
10 TIMBERLINE DRIVE 7.125 1,633.10 80
6.875 1,633.10 303,000.00
ROXBURY TOWNSHI NJ 07836 2 11/23/98 00
0431139492 05 01/01/99 0
12861696 O 12/01/28
0
1855759 462/462 F 450,000.00 ZZ
360 449,631.13 1
200 CLARA COURT 7.000 2,993.87 64
6.750 2,993.87 705,765.00
FREMONT CA 94539 1 11/04/98 00
0005701404 05 01/01/99 0
0005701404 O 12/01/28
0
1855760 E22/G01 F 117,000.00 ZZ
360 117,000.00 1
15 LODI STREET 7.625 828.12 65
7.375 828.12 180,000.00
ISLIP TERRACE NY 11752 2 12/08/98 00
0410836548 05 02/01/99 0
410836548 O 01/01/29
0
1855766 462/462 F 275,600.00 ZZ
360 275,100.35 1
1
54 BERLAMO 6.500 1,741.98 80
6.250 1,741.98 344,524.00
RANCHO SANTA MA CA 92688 1 10/22/98 00
0005703301 03 12/01/98 0
0005703301 O 11/01/28
0
1855767 K08/G01 F 682,500.00 ZZ
360 682,500.00 1
BOX 62 VILLAGE ROAD 7.500 4,772.14 65
7.250 4,772.14 1,050,000.00
HARDING NJ 07976 2 12/08/98 00
0411082001 05 02/01/99 0
411082001 O 01/01/29
0
1855769 964/G01 F 208,000.00 ZZ
360 208,000.00 1
1853 WEST 256TH STREET 7.250 1,418.93 80
7.000 1,418.93 260,000.00
LOMITA CA 90717 1 12/02/98 00
0431139625 05 02/01/99 0
45575 O 01/01/29
0
1855774 601/G01 F 255,000.00 ZZ
360 254,820.01 1
38 DUNCAN ROAD 7.750 1,826.86 75
7.500 1,826.86 340,000.00
STATEN ISLAND NY 10301 2 11/20/98 00
0431139062 05 01/01/99 0
13037510 O 12/01/28
0
1855779 K08/G01 F 360,000.00 ZZ
360 360,000.00 1
769 HAVERHILL DRIVE 7.500 2,517.17 72
7.250 2,517.17 500,000.00
SUNNYVALE CA 94087 2 12/07/98 00
0411154008 05 02/01/99 0
411154008 O 01/01/29
0
1855783 462/462 F 109,150.00 ZZ
360 109,068.99 1
10750 NW 66 STREET 7.500 763.20 80
#410 7.250 763.20 136,500.00
MIAMI FL 33178 1 11/20/98 00
0006069504 01 01/01/99 0
1
0006069504 O 12/01/28
0
1855789 462/462 F 256,100.00 ZZ
360 255,919.24 1
4540 LAUREL GROVE CIRCLE 7.750 1,834.74 80
7.500 1,834.74 320,137.00
EL DORADO HILLS CA 95762 1 11/01/98 00
0006079305 03 01/01/99 0
0006079305 O 12/01/28
0
1855792 462/462 F 298,900.00 ZZ
360 298,654.99 1
4686 VIA DEL RANCHO 7.000 1,988.59 75
6.750 1,988.59 398,590.00
THOUSAND OAKS CA 91320 1 11/11/98 00
0006033500 03 01/01/99 0
0006033500 O 12/01/28
0
1855794 462/462 F 450,000.00 ZZ
360 449,631.13 1
230 CLARA COURT 7.000 2,993.87 57
6.750 2,993.87 793,974.00
FREMONT CA 94539 1 11/11/98 00
0005700703 05 01/01/99 0
0005700703 O 12/01/28
0
1855796 462/462 F 277,550.00 ZZ
360 277,333.48 1
4430 CAMINO DE LAS ESTRELLAS 7.250 1,893.38 90
7.000 1,893.38 308,390.00
THOUSANDS OAKS CA 91320 1 11/05/98 14
0005830500 01 01/01/99 25
0005830500 O 12/01/28
0
1855797 462/462 F 300,000.00 ZZ
360 299,494.48 1
2669 SYCAMORE GROVE PLACE 6.875 1,970.79 48
6.625 1,970.79 627,557.00
SAN JOSE CA 95121 1 10/19/98 00
0005827803 05 12/01/98 0
0005827803 O 11/01/28
0
1
1855799 638/G01 F 323,000.00 ZZ
360 323,000.00 1
360 MULLET COURT 6.875 2,121.88 73
6.625 2,121.88 445,000.00
FOSTER CITY CA 94404 2 11/30/98 00
0431140458 05 02/01/99 0
088273530 O 01/01/29
0
1855800 462/462 F 273,900.00 ZZ
360 273,669.89 1
6408 RUBY WAY 6.875 1,799.33 80
6.625 1,799.33 342,388.00
CARLSBAD CA 92009 1 11/06/98 00
0005762802 03 01/01/99 0
0005762802 O 12/01/28
0
1855802 G81/G01 F 283,200.00 ZZ
360 283,200.00 1
7601 S W 53 COURT 7.000 1,884.14 80
6.750 1,884.14 354,000.00
MIAMI FL 33143 1 12/09/98 00
0431144740 05 02/01/99 0
021812045 O 01/01/29
0
1855803 638/G01 F 224,000.00 ZZ
360 223,825.26 1
569 MAUREEN LANE 7.250 1,528.07 79
7.000 1,528.07 285,000.00
PLEASANT HILL CA 94523 2 11/25/98 00
0431140995 05 01/01/99 0
08825264 O 12/01/28
0
1855805 462/462 F 454,600.00 ZZ
360 453,888.58 1
6462 GLENVIEW CIRCLE 7.250 3,101.18 80
7.000 3,101.18 568,295.00
HUNTINGTON BEAC CA 92648 1 10/27/98 00
0005752001 03 12/01/98 0
0005752001 O 11/01/28
0
1855806 638/G01 F 262,500.00 ZZ
360 262,290.08 1
5551 STARCREST DRIVE 7.125 1,768.51 80
6.875 1,768.51 330,000.00
1
SAN JOSE CA 95123 5 11/24/98 00
0431140953 05 01/01/99 0
08824342 O 12/01/28
0
1855807 462/462 F 264,200.00 ZZ
360 263,998.96 1
1820 NW 168 AVE 7.375 1,824.77 80
7.125 1,824.77 330,290.00
PEMBROKE PINES FL 33028 1 11/23/98 00
0005742606 03 01/01/99 0
0005742606 O 12/01/28
0
1855809 462/462 F 240,300.00 ZZ
360 240,103.02 1
27927 NORTH BALSAM COURT 7.000 1,598.73 95
6.750 1,598.73 252,990.00
VALENCIA CA 91354 1 11/12/98 12
0005722905 03 01/01/99 30
0005722905 O 12/01/28
0
1855810 638/G01 F 280,800.00 ZZ
360 280,800.00 1
2342 NICOLAS DRIVE 7.250 1,915.55 80
7.000 1,915.55 351,000.00
FULLERTON CA 92833 1 11/30/98 00
0431140961 05 02/01/99 0
08825785 O 01/01/29
0
1855819 638/G01 F 373,950.00 ZZ
360 373,635.83 2
28 CLARENDON STREET 6.875 2,456.59 55
6.625 2,456.59 687,000.00
BOSTON MA 02116 2 11/05/98 00
0431140987 05 01/01/99 0
8806279 O 12/01/28
0
1855820 685/G01 F 181,950.00 ZZ
360 181,950.00 1
8001 TAMARACK DRIVE 7.500 1,272.23 69
7.250 1,272.23 265,000.00
DUBLIN CA 94568 1 12/04/98 00
0431145549 05 02/01/99 0
116697 O 01/01/29
0
1
1855825 638/G01 F 63,750.00 ZZ
360 63,700.27 1
10388 ALPHONSE STREET #4D 7.250 434.89 80
7.000 434.89 79,700.00
SANTEE CA 92071 1 11/24/98 00
0431141548 01 01/01/99 0
08822196 O 12/01/28
0
1855832 638/G01 F 230,000.00 ZZ
360 229,824.99 1
1233 32ND AVENUE 7.375 1,588.55 78
7.125 1,588.55 295,000.00
SAN FRANCISCO CA 94122 1 11/19/98 00
0431141456 05 01/01/99 0
08822438 O 12/01/28
0
1855844 593/593 F 248,100.00 ZZ
360 247,920.43 1
701 EAST WOODLAND VALLEY DRIVE 7.625 1,756.04 79
7.375 1,756.04 315,000.00
KAYSVILLE UT 84037 2 11/17/98 00
6488639 05 01/01/99 0
6488639 O 12/01/28
0
1855846 593/593 F 350,000.00 ZZ
360 349,726.96 1
3607 RIVERVIEW TERRACE 7.250 2,387.62 78
7.000 2,387.62 450,000.00
POST FALLS ID 83854 5 11/24/98 00
6382634 05 01/01/99 0
6382634 O 12/01/28
0
1855851 638/G01 F 284,800.00 ZZ
360 284,800.00 1
929 3RD AVENUE 7.125 1,918.75 80
6.875 1,918.75 356,000.00
LOS ANGELES CA 90019 1 12/01/98 00
0431141399 05 02/01/99 0
08827526 O 01/01/29
0
1855852 637/G01 F 245,700.00 ZZ
360 245,513.04 1
1
17 KEY LARGO AREA 7.375 1,696.99 90
7.125 1,696.99 273,000.00
ALISO VIEJO CA 92656 2 11/23/98 04
0431144344 03 01/01/99 25
13414081 O 12/01/28
0
1855854 638/G01 F 313,200.00 ZZ
360 312,949.54 1
17342 DE GROOT PLACE 7.125 2,110.09 90
6.875 2,110.09 348,000.00
CERRITOS CA 90703 2 11/09/98 04
0431142009 05 01/01/99 25
08808525 O 12/01/28
0
1855856 637/G01 F 400,000.00 ZZ
360 399,687.96 1
16440 SODA SPRINGS ROAD 7.250 2,728.71 56
7.000 2,728.71 725,000.00
LOS GATOS CA 95033 2 11/23/98 00
0431140037 05 01/01/99 0
1337828 O 12/01/28
0
1855861 455/G01 F 150,000.00 ZZ
360 150,000.00 1
5335 DRIVER LANE 7.750 1,074.62 59
7.500 1,074.62 255,000.00
CUMMING GA 30028 2 12/11/98 00
0431144674 05 02/01/99 0
82282 O 01/01/29
0
1855867 462/462 F 264,000.00 ZZ
360 263,788.88 1
1822 WINTERDEW AVENUE 7.125 1,778.62 80
6.875 1,778.62 330,265.00
SIMI VALLEY CA 93065 1 11/03/98 00
0005959804 05 01/01/99 0
0005959804 O 12/01/28
0
1855872 462/462 F 229,700.00 ZZ
360 229,516.30 1
4454 CAMINO DE LA ROSA 7.125 1,547.54 80
6.875 1,547.54 288,398.00
THOUSAND OAKS CA 91320 1 11/17/98 00
0005956503 01 01/01/99 0
1
0005956503 O 12/01/28
0
1855873 462/462 F 254,000.00 ZZ
360 253,781.31 1
1830 WINTERDEW AVENUE 6.750 1,647.44 80
6.500 1,647.44 317,540.00
SIMI VALLEY CA 93065 1 11/16/98 00
0005954102 05 01/01/99 0
0005954102 O 12/01/28
0
1855877 637/G01 F 348,000.00 ZZ
360 347,735.20 1
165 LINDA LANE 7.375 2,403.55 78
7.125 2,403.55 450,000.00
PLEASANT HILL CA 94523 2 11/30/98 00
0431144369 05 01/01/99 0
13403720 O 12/01/28
0
1855879 638/G01 F 270,000.00 ZZ
360 270,000.00 1
2658 23RD AVENUE 7.125 1,819.04 74
6.875 1,819.04 365,000.00
SAN FRANCISCO CA 94116 5 12/02/98 00
0431142033 05 02/01/99 0
08817602 O 01/01/29
0
1855880 K08/G01 F 170,000.00 ZZ
360 170,000.00 1
1843 WILSON CIRCLE 7.625 1,203.25 93
7.375 1,203.25 184,000.00
ERIE CO 80516 2 12/08/98 04
0411166226 03 02/01/99 30
411166226 O 01/01/29
0
1855881 356/G01 F 260,000.00 ZZ
360 260,000.00 1
824 GROSVENOR PLACE 7.375 1,795.76 59
7.125 1,795.76 445,000.00
OAKLAND CA 94610 2 11/23/98 00
0431140086 05 02/01/99 0
2589687 O 01/01/29
0
1
1855890 462/462 F 245,000.00 ZZ
360 244,606.97 1
1952 NW 167 TERRACE 7.125 1,650.62 68
6.875 1,650.62 362,140.00
PEMBROKE PINES FL 33028 1 10/29/98 00
0005913306 03 12/01/98 0
0005913306 O 11/01/28
0
1855891 637/G01 F 382,000.00 ZZ
360 381,694.52 1
2810 CANTOR DRIVE 7.125 2,573.61 68
6.875 2,573.61 565,000.00
MORGAN HILL CA 95037 2 11/20/98 00
0431142421 05 01/01/99 0
0010947620 O 12/01/28
0
1855893 462/462 F 278,350.00 ZZ
360 277,809.10 1
44 SAGITTA WAY 6.875 1,828.57 76
6.625 1,828.57 368,376.00
COTO DE CAZA AR CA 92679 1 10/20/98 00
0005866009 03 12/01/98 0
0005866009 O 11/01/28
0
1855898 462/462 F 295,000.00 ZZ
360 294,758.18 1
6404 RUBY WAY 7.000 1,962.65 80
6.750 1,962.65 368,758.00
CARLSBAD CA 92009 1 11/16/98 00
0005841903 03 01/01/99 0
0005841903 O 12/01/28
0
1855900 638/G01 F 280,000.00 ZZ
360 279,776.09 1
525 GRASS VALLEY STREET 7.125 1,886.41 80
6.875 1,886.41 350,000.00
SIMI VALLEY CA 93065 1 11/25/98 00
0431141647 05 01/01/99 0
08794355 O 12/01/28
0
1855901 A26/G01 F 251,750.00 ZZ
360 251,750.00 1
46 MILL ROAD 7.500 1,760.28 95
7.250 1,760.28 265,000.00
1
STATEN ISLAND NY 10306 1 12/08/98 04
0431149467 05 02/01/99 30
11572 O 01/01/29
0
1855903 664/G01 F 250,000.00 ZZ
360 249,819.05 1
4639 FITCH 7.625 1,769.49 84
7.375 1,769.49 300,000.00
LINCOLNWOOD IL 60646 1 12/07/98 01
0431141902 05 01/01/99 12
2893923 O 12/01/28
0
1855912 638/G01 F 356,000.00 ZZ
360 355,722.28 1
1408 MEDALLION DRIVE 7.250 2,428.55 80
7.000 2,428.55 445,000.00
SAN JOSE CA 95120 1 11/10/98 00
0431141670 05 01/01/99 0
08815793 O 12/01/28
0
1855914 462/462 F 379,700.00 ZZ
360 379,403.80 1
2210 VISTA CHAPARRAL 7.250 2,590.22 80
7.000 2,590.22 474,642.00
CARLSBAD CA 92009 1 11/10/98 00
0005854104 03 01/01/99 0
0005854104 O 12/01/28
0
1855915 638/G01 F 320,000.00 ZZ
360 319,737.70 1
1353 PRESTON WAY 7.000 2,128.97 80
6.750 2,128.97 400,000.00
VENICE AREA CA 90291 5 11/16/98 00
0431141944 05 01/01/99 0
08779532 O 12/01/28
0
1855950 638/G01 F 188,000.00 ZZ
360 187,860.48 1
3385 SOTH TULARE COURT 7.500 1,314.52 80
7.250 1,314.52 235,000.00
DENVER CO 80231 2 11/17/98 00
0431141563 05 01/01/99 0
08819710 O 12/01/28
0
1
1855951 638/G01 F 376,000.00 ZZ
360 375,706.69 1
13602 SINGLETREE COURT 7.250 2,564.98 80
7.000 2,564.98 470,000.00
CARMEL IN 46032 2 11/18/98 00
0431141605 05 01/01/99 0
08820315 O 12/01/28
0
1855952 462/462 F 302,000.00 ZZ
360 301,503.45 1
1944 NW 168 AVENUE 7.000 2,009.22 94
6.750 2,009.22 321,990.00
PEMBROKE PINES FL 33028 1 10/30/98 04
0005613104 03 12/01/98 30
0005613104 O 11/01/28
0
1855959 637/G01 F 350,000.00 ZZ
360 349,726.96 1
565 VIEWPOINT COURT 7.250 2,387.62 47
7.000 2,387.62 750,000.00
FREMONT CA 94539 2 11/30/98 00
0431148741 05 01/01/99 0
0010148849 O 12/01/28
0
1855963 956/G01 F 280,000.00 ZZ
360 280,000.00 1
1450 SPRINGHILL ROAD 6.750 1,816.07 75
6.500 1,816.07 375,000.00
PETALUMA CA 94952 5 12/08/98 00
0431140813 05 02/01/99 0
808111163 O 01/01/29
0
1855966 313/G01 F 315,000.00 ZZ
360 314,766.22 1
3609 EAST SHOMI STREET 7.500 2,202.53 63
7.250 2,202.53 500,000.00
PHOENIX AZ 85044 2 11/23/98 00
0431149996 03 01/01/99 0
6701221 O 12/01/28
0
1855970 956/G01 F 308,800.00 ZZ
360 308,800.00 1
1
11532 OCCIDENTAL ROAD 6.750 2,002.87 80
6.500 2,002.87 387,500.00
SEBASTOPOL CA 95472 1 12/07/98 00
0431140821 05 02/01/99 0
808111429 O 01/01/29
0
1855973 822/G01 F 405,000.00 ZZ
360 405,000.00 1
130 THREE PONDS LANE 7.250 2,762.82 74
7.000 2,762.82 550,000.00
MALVERN PA 19355 2 12/04/98 00
0431144609 05 02/01/99 0
136099070 O 01/01/29
0
1855975 462/462 F 240,500.00 ZZ
360 240,094.74 1
10304 E. VERBENA LANE 6.875 1,579.91 90
6.625 1,579.91 267,253.00
SCOTTSDALE AZ 85259 1 10/12/98 01
0005404702 03 12/01/98 25
0005404702 O 11/01/28
0
1855976 956/G01 F 322,500.00 ZZ
360 322,500.00 1
3662 PIRATE CIRCLE 7.125 2,172.74 65
6.875 2,172.74 497,500.00
HUNTINGTON BEAC CA 92649 1 12/07/98 00
0431140805 03 02/01/99 0
608110742 O 01/01/29
0
1855979 664/G01 F 196,000.00 ZZ
360 196,000.00 1
3324 TERN COURT 7.375 1,353.73 80
7.125 1,353.73 245,000.00
CHINO HILLS CA 91709 2 12/03/98 00
0431149939 05 02/01/99 0
2898153 O 01/01/29
0
1855985 956/G01 F 249,500.00 ZZ
360 249,500.00 1
2616 LA PALOMA LANE 7.000 1,659.93 74
6.750 1,659.93 340,000.00
SANTA CRUZ CA 95062 2 12/04/98 00
0431152511 03 02/01/99 0
1
808110150 O 01/01/29
0
1855988 K08/G01 F 117,000.00 ZZ
360 117,000.00 1
5104 SCHENK ROAD 7.875 848.33 59
7.625 848.33 199,000.00
SANDUSKY OH 44870 5 12/08/98 00
0411152531 05 02/01/99 0
411152531 O 01/01/29
0
1855992 956/G01 F 388,000.00 ZZ
360 388,000.00 1
59 FRYER COURT 6.875 2,548.88 78
6.625 2,548.88 498,000.00
SAN RAMON CA 94583 1 12/02/98 00
0431142850 05 02/01/99 0
108110770 O 01/01/29
0
1855996 956/G01 F 382,400.00 ZZ
360 382,400.00 1
4037 PURDUE STREET 7.250 2,608.64 80
7.000 2,608.64 478,000.00
UNIVERSITY PARK TX 75225 1 12/11/98 00
0431140854 05 02/01/99 0
1608120023 O 01/01/29
0
1855999 956/G01 F 275,000.00 ZZ
360 275,000.00 1
3183 HOLLOWAY COURT 6.625 1,760.86 62
6.375 1,760.86 445,000.00
THOUSAND OAKS CA 91320 1 12/04/98 00
0431142876 05 02/01/99 0
108101134 O 01/01/29
0
1856005 637/G01 F 372,400.00 ZZ
360 371,544.65 1
6577 GRAYSTONE MEADOW CIRCLE 7.375 2,572.08 59
7.125 2,572.08 635,000.00
SAN JOSE CA 95120 2 09/09/98 00
0431140623 05 11/01/98 0
0013394457 O 10/01/28
0
1
1856014 593/593 F 438,800.00 ZZ
360 436,815.26 1
1507 NORTHSHORE DRIVE 7.500 3,068.16 80
7.250 3,068.16 550,000.00
SANDPOINT ID 83864 1 01/30/98 00
0006982052 05 08/01/98 0
0006982052 O 07/01/28
0
1856015 462/462 F 126,300.00 ZZ
360 126,081.91 1
7955 EXETER BLVD 6.750 819.18 80
6.500 819.18 158,000.00
TAMARAC FL 33321 1 10/23/98 00
0005176805 01 12/01/98 0
0005176805 O 11/01/28
0
1856019 F27/F27 F 241,200.00 ZZ
360 241,200.00 1
1939 BELMONT ROAD #119 7.125 1,625.01 80
6.875 1,625.01 301,970.00
WASHINGTON DC 20009 1 12/10/98 00
6060037718 01 02/01/99 0
6060037718 O 01/01/29
0
1856024 462/462 F 274,950.00 ZZ
360 274,713.26 1
7814 PASEO LA JOLLA 6.750 1,783.33 90
6.500 1,783.33 305,551.00
CARLSBAD CA 92009 1 11/01/98 14
0005192406 03 01/01/99 25
0005192406 O 12/01/28
0
1856031 462/462 F 510,700.00 ZZ
360 509,818.10 1
13635 OVERLAND PASS 6.750 3,312.40 80
6.500 3,312.40 640,000.00
POWAY CA 92064 1 10/29/98 00
0005276209 03 12/01/98 0
0005276209 O 11/01/28
0
1856047 893/G01 F 298,000.00 ZZ
360 298,000.00 1
232 ARUNDEL ROAD 6.750 1,932.83 44
6.500 1,932.83 680,000.00
1
BURLINGAME CA 94010 2 12/10/98 00
0431146760 05 02/01/99 0
M98100221 O 01/01/29
0
1856054 K08/G01 F 340,000.00 ZZ
360 340,000.00 1
1092 OAK GLEN ROAD 7.000 2,262.03 63
6.750 2,262.03 540,000.00
SANTA YNEZ CA 93460 2 12/02/98 00
0411135379 05 02/01/99 0
411135379 O 01/01/29
0
1856055 K08/G01 F 107,700.00 ZZ
360 107,700.00 1
21858 SOUTH VERMONT AVENUE 7.500 753.05 70
UNIT # 2 7.250 753.05 155,000.00
TORRANCE CA 90502 2 12/04/98 00
0411121114 01 02/01/99 0
411121114 O 01/01/29
0
1856058 K08/G01 F 328,000.00 ZZ
360 328,000.00 1
6703 EAST JOSHUA TREE AVENUE 7.125 2,209.80 80
6.875 2,209.80 410,000.00
ORANGE CA 92867 2 12/02/98 00
0411163736 03 02/01/99 0
411163736 O 01/01/29
0
1856063 K08/G01 F 521,450.00 ZZ
360 521,450.00 1
3566 AVENIDA MONTUOSA 7.250 3,557.21 70
7.000 3,557.21 745,000.00
THOUSAND OAKS CA 91362 1 12/10/98 00
0411163363 03 02/01/99 0
411163363 O 01/01/29
0
1856064 K08/G01 F 467,200.00 ZZ
360 467,200.00 1
18461 EAST VIA BRAVO 7.250 3,187.13 80
7.000 3,187.13 584,000.00
VILLA PARK CA 92861 1 12/09/98 00
0411173339 05 02/01/99 0
411173339 O 01/01/29
0
1
1856073 K08/G01 F 101,500.00 ZZ
360 101,500.00 1
1450 SUMMIT PLACE 7.375 701.04 70
7.125 701.04 145,000.00
WALLA WALLA WA 99362 1 12/04/98 00
0411149776 05 02/01/99 0
411149776 O 01/01/29
0
1856087 H93/G01 F 148,400.00 ZZ
360 148,400.00 1
8220 CORDOVA ROAD 7.375 1,024.96 90
7.125 1,024.96 164,900.00
CORDOVA TN 38018 1 12/08/98 04
0431161256 05 02/01/99 25
9897109 O 01/01/29
0
1856105 822/G01 F 424,000.00 ZZ
360 423,685.33 1
1006 READING BOULEVARD 7.500 2,964.67 80
7.250 2,964.67 530,000.00
WYOMISSING PA 19610 1 11/04/98 00
0431143692 05 01/01/99 0
0126068309 O 12/01/28
0
1856118 956/G01 F 325,000.00 ZZ
360 325,000.00 1
591 ANTONIO COURT 6.750 2,107.94 65
6.500 2,107.94 505,000.00
LAFAYETTE CA 94549 5 12/04/98 00
0431142892 05 02/01/99 0
208101087 O 01/01/29
0
1856129 893/G01 F 288,400.00 ZZ
360 288,400.00 1
321 14TH STREET 7.250 1,967.40 80
7.000 1,967.40 360,500.00
MONTARA CA 94037 1 12/14/98 00
0431141639 05 02/01/99 0
98120545 O 01/01/29
0
1856170 E82/G01 F 491,000.00 ZZ
360 491,000.00 1
1
110 MABEL DODGE LANE 7.125 3,307.96 62
6.875 3,307.96 800,000.00
TAOS NM 87571 2 12/11/98 00
0400168753 05 02/01/99 0
1678610 O 01/01/29
0
1856175 E82/G01 F 460,000.00 ZZ
360 460,000.00 1
2118 TYSONS EXECUTIVE COURT 7.125 3,099.11 80
6.875 3,099.11 575,000.00
DUNN LORING VA 22027 2 12/14/98 00
0400162251 05 02/01/99 0
0400162251 O 01/01/29
0
1856177 E82/G01 F 600,000.00 ZZ
360 600,000.00 1
1645 KECKS ROAD 7.000 3,991.81 74
6.750 3,991.81 815,000.00
BREINIGSVILLE PA 18031 2 12/09/98 00
0400164828 05 02/01/99 0
1598996 O 01/01/29
0
1856183 E82/G01 F 520,000.00 ZZ
360 520,000.00 1
315 STRATFORD COURT 7.000 3,459.57 68
6.750 3,459.57 775,000.00
AURORA OH 44202 2 12/10/98 00
0400161121 05 02/01/99 0
1609929 O 01/01/29
0
1856187 E82/G01 F 292,000.00 ZZ
360 292,000.00 1
400 NORTH CROFT AVENUE 7.250 1,991.95 73
7.000 1,991.95 400,000.00
LOS ANGELES CA 90048 2 12/09/98 00
0400165460 05 02/01/99 0
1622266 O 01/01/29
0
1856188 E82/G01 F 297,200.00 ZZ
360 297,200.00 1
10147 EAST TOPAZ DRIVE 6.750 1,927.63 57
6.500 1,927.63 530,000.00
SCOTTSDALE AZ 85258 2 12/10/98 00
0400158200 01 02/01/99 0
1
1449090 O 01/01/29
0
1856198 K08/G01 F 261,150.00 ZZ
360 261,150.00 1
2087 PULLMAN AVENUE 7.250 1,781.50 95
7.000 1,781.50 274,900.00
SIMI VALLEY CA 93063 1 12/09/98 11
0411150915 05 02/01/99 30
411150915 O 01/01/29
0
1856205 K08/G01 F 270,000.00 ZZ
360 270,000.00 1
27320 GLENWOOD DRIVE 7.875 1,957.69 66
7.625 1,957.69 410,000.00
MISSION VIEJO CA 92692 2 12/02/98 00
0411141864 03 02/01/99 0
411141864 O 01/01/29
0
1856207 K08/G01 F 400,000.00 ZZ
360 400,000.00 1
9233 BURTON WAY #403 7.250 2,728.71 75
7.000 2,728.71 534,000.00
BEVERLY HILLS CA 90210 5 12/09/98 00
0411110687 01 02/01/99 0
411110687 O 01/01/29
0
1856213 533/G01 F 279,900.00 ZZ
360 279,900.00 1
21700 MACKENZIE AVENUE 7.125 1,885.74 80
6.875 1,885.74 349,900.00
YORBA LINDA CA 92886 1 12/04/98 00
0431143817 05 02/01/99 0
3384393 O 01/01/29
0
1856220 944/G01 F 330,000.00 ZZ
360 329,761.16 1
1826 SOBRANTE COURT 7.625 2,335.72 75
7.375 2,335.72 440,000.00
WALNUT CREEK CA 94595 2 11/20/98 00
0431143767 03 01/01/99 0
98104324724 O 12/01/28
0
1
1856221 E60/G01 F 187,000.00 ZZ
360 187,000.00 1
1370 SAWLEAF COURT 6.875 1,228.46 61
6.625 1,228.46 310,000.00
SAN LUIS OBISPO CA 93401 2 12/09/98 00
0431140433 05 02/01/99 0
511444 O 01/01/29
0
1856231 961/G01 F 248,000.00 ZZ
360 247,801.68 1
1736 VISTA DEL NORTE 7.125 1,670.82 79
6.875 1,670.82 315,000.00
CHINO HILLS CA 91709 2 11/20/98 00
0431143916 05 01/01/99 0
09111907 O 12/01/28
0
1856233 J95/J95 F 287,000.00 ZZ
360 286,516.38 1
24651 WEST PARK RIVER LANE 6.875 1,885.39 64
6.625 1,885.39 450,000.00
SHOREWOOD IL 60431 2 10/30/98 00
16302689 05 12/01/98 0
16302689 O 11/01/28
0
1856235 K08/G01 F 276,300.00 ZZ
360 276,300.00 1
45 STELLA STREET 7.125 1,861.48 80
6.875 1,861.48 345,430.00
TRUMBULL CT 06611 1 12/14/98 00
0410875090 05 02/01/99 0
410875090 O 01/01/29
0
1856236 J95/J95 F 270,000.00 ZZ
360 269,778.68 1
66 MERRY LANE 7.000 1,796.32 62
6.750 1,796.32 440,000.00
WESTON CT 06883 2 11/23/98 00
0009547571 05 01/01/99 0
0009547571 O 12/01/28
0
1856238 J95/J95 F 290,000.00 ZZ
360 289,773.77 1
7892 OLIVE COURT 7.250 1,978.31 75
7.000 1,978.31 390,000.00
1
PLEASANTON CA 94588 2 11/09/98 00
13465059 05 01/01/99 0
13465059 O 12/01/28
0
1856244 J95/J95 F 600,000.00 ZZ
360 599,061.05 1
20201 MILJEVICH DRIVE 7.250 4,093.06 71
7.000 4,093.06 845,000.00
SARATOGA CA 95070 1 10/19/98 00
0013551858 05 12/01/98 0
0013551858 O 11/01/28
0
1856246 J95/J95 F 349,250.00 ZZ
360 348,970.71 1
3936 SPRING VALLEY TRAIL 7.125 2,352.96 68
6.875 2,352.96 520,000.00
EVERGREEN CO 80439 2 11/09/98 00
0013503586 05 01/01/99 0
0013503586 O 12/01/28
0
1856249 J95/J95 F 500,000.00 ZZ
360 499,579.94 1
509 MADERA DRIVE 6.875 3,284.64 80
6.625 3,284.64 630,000.00
SAN MATEO CA 94403 5 11/09/98 00
0013464482 05 01/01/99 0
0013464482 O 12/01/28
0
1856253 J95/J95 F 275,000.00 ZZ
360 274,785.48 1
330 ELDER AVENUE 7.250 1,875.98 50
7.000 1,875.98 560,000.00
MILLBRAE CA 94030 2 11/06/98 00
0013467097 05 01/01/99 0
0013467097 O 12/01/28
0
1856257 J95/J95 F 299,000.00 ZZ
360 298,766.75 1
514 CUESTA DRIVE 7.250 2,039.71 79
7.000 2,039.71 382,000.00
APTOS CA 95003 2 11/10/98 00
13467378 05 01/01/99 0
13467378 O 12/01/28
0
1
1856261 J95/J95 F 247,200.00 ZZ
360 247,016.54 1
128 NIANTIC RIVER RD 7.500 1,728.46 80
7.250 1,728.46 309,000.00
WATERFORD CT 06385 1 11/09/98 00
13225088 05 01/01/99 0
13225088 O 12/01/28
0
1856265 E22/G01 F 298,000.00 ZZ
360 298,000.00 1
1723 BRONZEWOOD COURT 7.500 2,083.66 68
7.250 2,083.66 443,000.00
THOUSAND OAKS CA 91320 2 12/01/98 00
0411059561 05 02/01/99 0
411059561 O 01/01/29
0
1856267 J95/J95 F 324,000.00 ZZ
360 323,747.24 1
219 JETER STREET 7.250 2,210.26 79
7.000 2,210.26 415,000.00
REDWOOD CITY CA 94062 1 10/30/98 00
16116246 05 01/01/99 0
16116246 O 12/01/28
0
1856277 J95/J95 F 365,000.00 ZZ
360 364,715.27 1
210 POSEIDON LANE 7.250 2,489.94 76
7.000 2,489.94 485,000.00
REDWOOD CITY CA 94065 2 11/11/98 00
0013463849 05 01/01/99 0
0013463849 O 12/01/28
0
1856282 J95/J95 F 286,300.00 ZZ
360 286,059.47 1
423 BAYVIEW AVENUE 6.875 1,880.79 77
6.625 1,880.79 375,000.00
MILLBRAE CA 94030 2 11/09/98 00
0013466198 05 01/01/99 0
0013466198 O 12/01/28
0
1856283 J95/J95 F 268,000.00 ZZ
360 267,774.85 1
1
6041 26TH AVENUE SW 6.875 1,760.57 60
6.625 1,760.57 450,000.00
NAPLES FL 34116 2 11/11/98 00
9595158 05 01/01/99 0
9595158 O 12/01/28
0
1856287 J95/J95 F 414,000.00 ZZ
360 413,352.13 1
4072 EAGLE NEST LANE 7.250 2,824.21 60
7.000 2,824.21 695,000.00
DANVILLE CA 94506 2 10/29/98 00
13466289 03 12/01/98 0
13466289 O 11/01/28
0
1856289 K08/G01 F 316,000.00 ZZ
360 316,000.00 1
24600 KITTRIDGE STREET 7.250 2,155.68 80
7.000 2,155.68 395,000.00
WEST HILLS AREA CA 91307 1 12/04/98 00
0411167729 05 02/01/99 0
411167729 O 01/01/29
0
1856293 026/G01 F 260,000.00 ZZ
360 260,000.00 1
3403 GLEN DEVON LANE 7.250 1,773.66 77
7.000 1,773.66 340,000.00
DULUTH GA 30096 2 12/04/98 00
0431152131 03 02/01/99 0
200274627 O 01/01/29
0
1856295 J95/J95 F 444,700.00 ZZ
360 444,353.09 1
15 LASALLE COURT 7.250 3,033.64 52
7.000 3,033.64 870,000.00
PIEDMONT CA 94611 2 11/10/98 00
13463476 05 01/01/99 0
13463476 O 12/01/28
0
1856299 K08/G01 F 170,000.00 ZZ
360 170,000.00 1
510 WARD STREET #301 7.750 1,217.90 57
7.500 1,217.90 300,000.00
SEATTLE WA 98109 5 12/09/98 00
0411119472 01 02/01/99 0
1
411119472 O 01/01/29
0
1856309 K08/G01 F 472,000.00 ZZ
360 472,000.00 1
1 EAST IRVING STREET 7.125 3,179.95 66
6.875 3,179.95 717,000.00
CHEVY CHASE MD 20814 2 12/11/98 00
0411177579 05 02/01/99 0
411177579 O 01/01/29
0
1856316 K08/G01 F 279,000.00 ZZ
360 279,000.00 1
203 CANDLEWOOD PATH 7.000 1,856.19 70
6.750 1,856.19 400,000.00
HUNTINGTON NY 11746 5 12/11/98 00
0411172745 05 02/01/99 0
411172745 O 01/01/29
0
1856322 K08/G01 F 372,000.00 ZZ
360 372,000.00 1
1238 TOWNSEND PARK CIRCLE 7.500 2,601.08 80
7.250 2,601.08 465,000.00
SAN JOSE CA 95131 1 12/10/98 00
0411151517 05 02/01/99 0
411151517 O 01/01/29
0
1856323 K08/G01 F 188,000.00 ZZ
360 188,000.00 1
3772 INDEPENDENCE ROAD 7.625 1,330.65 80
7.375 1,330.65 235,000.00
FREMONT CA 94538 2 12/09/98 00
0411155021 05 02/01/99 0
411155021 O 01/01/29
0
1856324 K08/G01 F 500,000.00 ZZ
360 500,000.00 1
24849 SUMMERHILL AVENUE 6.875 3,284.64 55
6.625 3,284.64 920,000.00
LOS ALTOS CA 94024 2 12/10/98 00
0411181571 05 02/01/99 0
411181571 O 01/01/29
0
1
1856325 K08/G01 F 321,750.00 ZZ
360 321,750.00 1
5790 MACARGO ROAD 7.000 2,140.61 75
6.750 2,140.61 429,000.00
GRANITE BAY CA 95746 2 12/09/98 00
0411189038 05 02/01/99 0
411189038 O 01/01/29
0
1856330 225/225 F 307,500.00 ZZ
360 307,260.11 1
1317 IDLEWOOD ROAD 7.250 2,097.70 75
7.000 2,097.70 410,000.00
GLENDALE CA 91202 2 11/24/98 00
7076298 05 01/01/99 0
7076298 O 12/01/28
0
1856331 964/G01 F 480,000.00 ZZ
360 479,081.38 1
435 SCHOOL ROAD 7.375 3,315.24 80
7.125 3,315.24 600,000.00
NOVATO CA 94945 2 10/12/98 00
0431141555 05 12/01/98 0
42033 O 11/01/28
0
1856334 964/G01 F 288,750.00 ZZ
360 288,303.51 1
1329 RODNEY DRIVE 7.375 1,994.32 75
7.125 1,994.32 385,000.00
SAN JOSE CA 95118 5 10/05/98 00
0431141571 05 12/01/98 0
42131 O 11/01/28
0
1856337 225/225 F 516,000.00 ZZ
360 515,597.47 1
8128 TIANNA ROAD 7.250 3,520.03 79
7.000 3,520.03 655,000.00
LOS ANGELES CA 90046 2 11/16/98 00
7084540 05 01/01/99 0
7084540 O 12/01/28
0
1856338 964/G01 F 500,000.00 ZZ
360 497,935.14 1
268 GREENE STREET 6.875 3,284.65 68
6.625 3,284.65 740,000.00
1
MILL VALLEY CA 94941 5 10/30/98 00
0431141100 05 12/01/98 0
43899 O 11/01/28
0
1856339 964/G01 F 261,600.00 ZZ
360 261,180.36 1
2135 45TH AVE 7.125 1,762.45 80
6.875 1,762.45 327,000.00
SAN FRANCISCO CA 94116 2 10/09/98 00
0431141837 05 12/01/98 0
43560 O 11/01/28
0
1856341 964/G01 F 252,000.00 ZZ
360 251,575.37 1
15 BRISA FRESCA 6.875 1,655.46 80
6.625 1,655.46 315,000.00
RANCHO SANTA MA CA 92688 1 10/28/98 00
0431141530 03 12/01/98 0
43804 O 11/01/28
0
1856343 964/G01 F 72,500.00 ZZ
360 72,316.23 1
417 LAUREL AVENUE 6.875 476.27 16
6.625 476.27 455,000.00
SAN ANSELMO CA 94960 2 10/05/98 00
0431141407 05 11/01/98 0
43064 O 10/01/28
0
1856348 964/G01 F 356,800.00 ZZ
360 356,255.33 1
21 PARKWOOD AVENUE 7.375 2,464.33 80
7.125 2,464.33 446,000.00
MILL VALLEY CA 94941 1 10/08/98 00
0431141449 05 12/01/98 0
41553 O 11/01/28
0
1856349 964/G01 F 495,000.00 ZZ
360 494,244.38 1
14870 LA RINCONADA DRIVE 7.375 3,418.84 64
7.125 3,418.84 775,000.00
LOS GATOS CA 95032 5 10/05/98 00
0431140581 05 12/01/98 0
42137 O 11/01/28
0
1
1856351 964/G01 F 250,000.00 ZZ
360 250,000.00 1
1401 SUNSET LOOP 7.250 1,705.44 75
7.000 1,705.44 337,500.00
LAFAYETTE CA 94595 5 12/03/98 00
0431139971 05 02/01/99 0
46001 O 01/01/29
0
1856354 964/G01 F 320,000.00 ZZ
360 319,460.78 1
27 BRIDGE ROAD 6.875 2,102.17 80
6.625 2,102.17 400,000.00
LARKSPUR CA 94939 1 10/28/98 00
0431140045 05 12/01/98 0
43300 O 11/01/28
0
1856355 964/G01 F 359,900.00 ZZ
360 359,322.69 1
34 CENTENNIAL WAY 7.125 2,424.71 80
6.875 2,424.71 449,900.00
SAN RAMON CA 94583 1 10/13/98 00
0431141019 05 12/01/98 0
42987 O 11/01/28
0
1856356 601/G01 F 252,000.00 ZZ
360 251,053.13 1
1301 LOS PALOS WAY 7.500 1,762.02 70
7.250 1,762.02 360,000.00
SAN JOSE CA 95118 5 07/20/98 00
0431143395 05 09/01/98 0
40513442 O 08/01/28
0
1856357 964/G01 F 268,000.00 ZZ
360 267,570.09 1
19 JULES DRIVE 7.125 1,805.57 80
6.875 1,805.57 335,000.00
NOVATO CA 94947 1 10/20/98 00
0431140300 05 12/01/98 0
42480 O 11/01/28
0
1856359 964/G01 F 297,500.00 ZZ
360 296,799.53 1
1
53 LAUREL STREET 7.250 2,029.48 67
7.000 2,029.48 450,000.00
INVERNESS CA 94937 2 10/02/98 00
0431140631 05 11/01/98 0
42864 O 10/01/28
0
1856363 964/G01 F 336,000.00 ZZ
360 336,000.00 1
300 TENNESSEE AVENUE 6.875 2,207.28 74
6.625 2,207.28 458,000.00
MILL VALLEY CA 94941 5 12/04/98 00
0431140383 05 02/01/99 0
47380 O 01/01/29
0
1856383 K08/G01 F 267,300.00 ZZ
360 267,300.00 1
8352 ALTA VISTA DRIVE 7.750 1,914.97 90
7.500 1,914.97 297,000.00
HAMBURG MI 48139 1 12/16/98 04
0411205370 05 02/01/99 25
411205370 O 01/01/29
0
1856386 K08/G01 F 94,000.00 ZZ
360 94,000.00 1
13168 SW 91ST PLACE 7.250 641.25 71
7.000 641.25 134,000.00
MIAMI FL 33176 2 12/11/98 00
0411175805 03 02/01/99 0
411175805 O 01/01/29
0
1856388 K08/G01 F 79,000.00 ZZ
360 79,000.00 1
7090 SW 15TH STREET 7.000 525.59 72
6.750 525.59 110,000.00
MIAMI FL 33144 1 12/16/98 00
0411181233 05 02/01/99 0
411181233 O 01/01/29
0
1856391 K08/G01 F 235,000.00 ZZ
360 235,000.00 1
841 BEVERLY DRIVE 7.375 1,623.09 74
7.125 1,623.09 318,000.00
CARNELIAN BAY CA 96140 2 12/10/98 00
0411178346 05 02/01/99 0
1
411178346 O 01/01/29
0
1856404 601/G01 F 254,250.00 ZZ
360 254,025.68 1
9167 DUSTY LANE 6.625 1,627.99 75
6.375 1,627.99 339,000.00
MODESTO CA 95357 1 11/25/98 00
0431143247 05 01/01/99 0
13081153 O 12/01/28
0
1856411 966/G01 F 341,000.00 ZZ
360 341,000.00 1
15 COLDWATER CIRCLE 7.375 2,355.20 73
7.125 2,355.20 470,000.00
LORENA TX 76655 2 12/15/98 00
0431150572 05 02/01/99 0
30007393 O 01/01/29
0
1856413 966/G01 F 425,000.00 ZZ
360 425,000.00 1
2721 SHOAL CREEK CIRCLE 7.250 2,899.25 74
7.000 2,899.25 575,000.00
PLANO TX 75093 1 12/11/98 00
0431146059 05 02/01/99 0
30009074 O 01/01/29
0
1856427 601/G01 F 325,000.00 ZZ
360 324,726.96 1
16 CARRIAGE LANE 6.875 2,135.02 58
6.625 2,135.02 565,500.00
RAMSEY NJ 07446 2 11/24/98 00
0431147321 05 01/01/99 0
12884656 O 12/01/28
0
1856431 B60/G01 F 244,600.00 ZZ
360 244,600.00 1
18201 SUPERIOR STREET 7.250 1,668.60 76
7.000 1,668.60 325,000.00
LOS ANGELES CA 91325 2 12/10/98 00
0431145010 05 02/01/99 0
260491 O 01/01/29
0
1
1856438 601/G01 F 356,250.00 ZZ
360 355,692.50 1
29985 CHUALAR CANYON ROAD 7.250 2,430.25 75
7.000 2,430.25 475,000.00
CHUALAR CA 93925 1 10/20/98 00
0431143106 05 12/01/98 0
1304863 O 11/01/28
0
1856442 420/G01 F 280,000.00 ZZ
360 279,802.37 1
1382 JAYHAWK LANE 7.750 2,005.96 80
7.500 2,005.96 350,000.00
LIVERMORE CA 94550 2 11/18/98 00
0431141159 05 01/01/99 0
0000395152 O 12/01/28
0
1856447 964/G01 F 260,000.00 ZZ
360 259,582.93 1
218 GILBERT AVENUE 7.125 1,751.67 60
6.875 1,751.67 435,000.00
MENLO PARK CA 94025 5 10/06/98 00
0431141274 05 12/01/98 0
42697 O 11/01/28
0
1856450 964/G01 F 563,200.00 ZZ
360 562,296.57 1
6 HUNTER CREEK ROAD 7.125 3,794.38 79
6.875 3,794.38 720,000.00
FAIRFAX CA 94930 2 10/02/98 00
0431140441 03 12/01/98 0
43291 O 11/01/28
0
1856453 964/G01 F 312,600.00 ZZ
360 312,073.25 1
32738 FOXGLOVE WAY 6.875 2,053.56 75
6.625 2,053.56 416,890.00
UNION CITY CA 94587 1 10/06/98 00
0431140268 05 12/01/98 0
42696 O 11/01/28
0
1856461 964/G01 F 350,000.00 ZZ
360 349,410.23 1
1102 DE HARO STREET 6.875 2,299.25 69
6.625 2,299.25 510,000.00
1
SAN FRANCISCO CA 94107 5 10/22/98 00
0431140136 05 12/01/98 0
43897 O 11/01/28
0
1856463 F28/G01 F 304,500.00 ZZ
360 304,231.34 1
71356 KINIKIN RD 6.625 1,949.75 76
6.375 1,949.75 401,000.00
MONTROSE CO 81401 5 11/06/98 00
0431153030 05 01/01/99 0
3888710 O 12/01/28
0
1856465 F28/G01 F 265,000.00 ZZ
360 263,953.79 1
11917 SUNSHINE PEAK CT 7.250 1,807.77 75
7.000 1,807.77 355,000.00
SAN DIEGO CA 92131 5 06/23/98 00
0431161546 03 08/01/98 0
3931310 O 07/01/28
0
1856466 F28/G01 F 261,000.00 ZZ
360 259,969.60 1
369 STOWELL AV 7.250 1,780.48 90
7.000 1,780.48 290,000.00
SUNNYVALE CA 94086 1 07/24/98 04
0431163146 05 09/01/98 25
3957226 O 08/01/28
0
1856474 F28/G01 F 275,000.00 ZZ
360 274,155.22 1
7852 PINEVILLE CIRCLE 7.375 1,899.36 64
7.125 1,899.36 435,000.00
CASTRO VALLEY CA 94552 2 08/10/98 00
0431160860 03 10/01/98 0
4024840 O 09/01/28
0
1856476 F28/G01 F 269,950.00 ZZ
360 269,100.00 1
7879 PASEO TULIPERO 7.250 1,841.53 75
7.000 1,841.53 360,000.00
CARLSBAD CA 92009 1 08/04/98 00
0431153147 05 10/01/98 0
4029298 O 09/01/28
0
1
1856479 F28/G01 F 348,750.00 ZZ
360 347,373.17 1
3810 ARGYLE TERRACE NW 7.250 2,379.09 75
7.000 2,379.09 465,000.00
WASHINGTON DC 20011 1 08/28/98 00
0431153170 05 10/01/98 0
4038230 O 09/01/28
0
1856481 F28/G01 F 300,000.00 ZZ
360 299,055.36 1
12916 CAMINITO BESO 7.250 2,046.53 80
7.000 2,046.53 375,000.00
SAN DIEGO CA 92130 1 08/17/98 00
0431160845 01 10/01/98 0
4038446 O 09/01/28
0
1856482 F28/G01 F 362,000.00 ZZ
360 357,832.11 1
167 SWEET RD 7.375 2,500.24 69
7.125 2,500.24 525,000.00
ALAMEDA CA 94502 2 08/14/98 00
0431157825 03 10/01/98 0
4051249 O 09/01/28
0
1856483 F28/G01 F 275,000.00 ZZ
360 274,352.51 1
95 EUCALYPTUS CT 7.250 1,875.99 75
7.000 1,875.99 370,000.00
LIVERMORE CA 94550 5 09/19/98 00
0431153212 05 11/01/98 0
4051801 O 10/01/28
0
1856485 F28/G01 F 465,000.00 ZZ
360 463,535.82 1
1723 JUAREZ AVE 7.250 3,172.12 75
7.000 3,172.12 625,000.00
LOS ALTOS CA 94024 2 08/20/98 00
0431153303 05 10/01/98 0
4054615 O 09/01/28
0
1856488 F28/G01 F 349,950.00 ZZ
360 345,811.71 1
1
19326 MERRIDY ST 7.250 2,387.28 62
7.000 2,387.28 569,000.00
NORTHRIDGE AREA CA 91324 5 08/13/98 00
0431159540 05 10/01/98 0
4067066 O 09/01/28
0
1856489 F28/G01 F 264,000.00 ZZ
360 263,330.79 1
6615 CAMINITO SINNECOCK 6.875 1,734.29 80
6.625 1,734.29 330,000.00
LA JOLLA CA 92037 1 09/04/98 00
0431153196 01 11/01/98 0
4069666 O 10/01/28
0
1856490 F28/G01 F 262,500.00 ZZ
360 261,897.09 1
1420 CUCIZ LANE 7.375 1,813.02 75
7.125 1,813.02 350,000.00
MILPITAS CA 95035 5 09/09/98 00
0431153220 03 11/01/98 0
4070108 O 10/01/28
0
1856492 F28/G01 F 655,000.00 ZZ
360 653,896.28 1
1915 TAHUNA TERRACE 6.875 4,302.89 60
6.625 4,302.89 1,100,000.00
NEWPORT BEACH CA 92625 2 10/03/98 00
0431157502 05 12/01/98 0
4070215 O 11/01/28
0
1856493 F28/G01 F 649,950.00 ZZ
360 648,302.48 1
3675 VALLEY RIDGE LN 6.875 4,269.71 64
6.625 4,269.71 1,025,000.00
SAN JOSE CA 95148 1 09/22/98 00
0431153238 03 11/01/98 0
4073631 O 10/01/28
0
1856495 F28/G01 F 274,950.00 ZZ
360 274,105.41 1
656 PARK BLVD 7.375 1,899.01 85
7.125 1,899.01 323,500.00
UKIAH CA 95482 1 08/21/98 10
0431153311 03 10/01/98 12
1
4082343 O 09/01/28
0
1856496 F28/G01 F 299,200.00 ZZ
360 297,854.26 1
38875 HELEN WY 7.250 2,041.07 80
7.000 2,041.07 374,000.00
FREEMONT CA 94536 1 08/24/98 00
0431153352 05 10/01/98 0
4083863 O 09/01/28
0
1856499 F28/G01 F 431,200.00 ZZ
360 427,640.72 1
14380 LONGRIDGE RD 6.875 2,832.68 75
6.625 2,832.68 575,000.00
LOS GATOS CA 95033 2 10/05/98 00
0431153337 05 12/01/98 0
4085520 O 11/01/28
0
1856500 F28/G01 F 348,000.00 ZZ
360 347,200.71 1
7143 ANJOU CREEK CIRCLE 7.375 2,403.55 61
7.125 2,403.55 579,000.00
SAN JOSE CA 95120 2 09/16/98 00
0431153394 05 11/01/98 0
4086389 O 10/01/28
0
1856506 F28/G01 F 323,200.00 ZZ
360 322,457.67 1
1003 NOVA CT 7.375 2,232.26 80
7.125 2,232.26 404,000.00
MILPITAS CA 95035 1 09/04/98 00
0431162684 03 11/01/98 0
4097980 O 10/01/28
0
1856510 F28/G01 F 643,500.00 ZZ
360 642,998.01 1
304 ESTATES DR 7.250 4,389.80 74
7.000 4,389.80 875,000.00
BRECKENRIDGE CO 80424 2 11/10/98 00
0431153519 05 01/01/99 0
4144962 O 12/01/28
0
1
1856511 F28/G01 F 247,750.00 ZZ
360 247,029.52 1
5497 SOUTH IOLA WAY 6.750 1,606.90 78
6.500 1,606.90 320,000.00
ENGLEWOOD CO 80111 2 10/29/98 00
0431153576 03 12/01/98 0
4157022 O 11/01/28
0
1856539 F28/G01 F 270,000.00 ZZ
360 269,556.07 1
257 N ROSCOE BLVD 7.000 1,796.32 59
6.750 1,796.32 465,000.00
PONTE VEDRA BEA FL 32082 5 10/16/98 00
0431157924 05 12/01/98 0
4242731 O 11/01/28
0
1856540 F28/G01 F 418,300.00 ZZ
360 417,948.58 1
6256 PINE TREE DR 6.875 2,747.93 78
6.625 2,747.93 540,000.00
LONG GROVE IL 60047 2 11/16/98 00
0431154335 03 01/01/99 0
4242998 O 12/01/28
0
1856543 F28/G01 F 285,000.00 ZZ
360 284,760.56 1
6804 SCOTCH PINE TR 6.875 1,872.25 75
6.625 1,872.25 380,000.00
DARIEN IL 60561 5 11/23/98 00
0431154376 03 01/01/99 0
4252003 O 12/01/28
0
1856546 F28/G01 F 277,000.00 ZZ
360 276,761.51 1
723 BRENTWOOD CT 6.750 1,796.62 64
6.500 1,796.62 435,000.00
GLEN ELLYN IL 60137 2 11/16/98 00
0431154046 05 01/01/99 0
4259323 O 12/01/28
0
1856555 F28/G01 F 247,000.00 ZZ
360 246,792.48 1
1317 PRESTWICK LN 6.875 1,622.62 55
6.625 1,622.62 450,000.00
1
ITASCA IL 60143 2 11/25/98 00
0431154269 03 01/01/99 0
4277251 O 12/01/28
0
1856560 L49/G01 F 552,500.00 ZZ
360 552,500.00 1
10 PLUMERIA 6.875 3,629.53 80
6.625 3,629.53 690,716.00
IRVINE CA 92620 1 12/15/98 00
0431144294 03 02/01/99 0
10001024 O 01/01/29
0
1856562 F28/G01 F 385,000.00 ZZ
360 384,455.85 1
403 DETROIT ST 6.750 2,497.11 70
6.500 2,497.11 550,000.00
DENVER CO 80206 2 11/06/98 00
0431154517 09 01/01/99 0
4288894 O 12/01/28
0
1856566 F28/G01 F 351,000.00 ZZ
360 350,705.12 1
16 HIGH BLUFF 6.875 2,305.82 64
6.625 2,305.82 550,000.00
LAGUNA NIGUEL CA 92677 5 11/06/98 00
0431154640 05 01/01/99 0
4316511 O 12/01/28
0
1856573 K08/G01 F 210,000.00 ZZ
360 210,000.00 1
22610 LIBERTY BELL ROAD 7.375 1,450.42 54
7.125 1,450.42 395,000.00
CALABASAS CA 91302 2 12/10/98 00
0411175987 05 02/01/99 0
411175987 O 01/01/29
0
1856580 L49/G01 F 560,000.00 ZZ
360 560,000.00 1
2114 NORTH GRANDVIEW ROAD 6.750 3,632.15 80
6.500 3,632.15 700,000.00
ORANGE CA 92867 1 12/04/98 00
0431144336 03 02/01/99 0
10001241 O 01/01/29
0
1
1856584 K08/G01 F 315,000.00 ZZ
360 315,000.00 1
14654 KASEL COURT NORTHEAST 6.875 2,069.33 79
6.625 2,069.33 403,000.00
AURORA OR 97002 2 12/09/98 00
0411182421 05 02/01/99 0
411182421 O 01/01/29
0
1856585 K08/G01 F 175,000.00 ZZ
360 175,000.00 1
1116 198TH AVENUE EAST 7.125 1,179.01 70
6.875 1,179.01 250,000.00
SUMNER WA 98390 2 12/09/98 00
0411189335 03 02/01/99 0
411189335 O 01/01/29
0
1856587 K08/G01 F 290,600.00 ZZ
360 290,600.00 1
1399 NORTHWEST ORCAS DRIVE 7.125 1,957.83 58
6.875 1,957.83 504,076.00
SEAL ROCK OR 97376 2 12/09/98 00
0411192446 05 02/01/99 0
411192446 O 01/01/29
0
1856588 K08/G01 F 101,250.00 ZZ
360 101,250.00 1
5442 S. FREMONT AVENUE 7.500 707.95 75
7.250 707.95 135,000.00
SPRINGFIELD MO 65804 2 12/11/98 00
0411171358 05 02/01/99 0
411171358 O 01/01/29
0
1856590 E22/G01 F 120,000.00 ZZ
360 119,812.20 1
2451 RIDGE DR. 7.250 818.62 80
7.000 818.62 150,000.00
BROOMFIELD CO 80020 2 10/19/98 00
0411078660 05 12/01/98 0
411078660 O 11/01/28
0
1856592 K08/G01 F 64,000.00 ZZ
360 64,000.00 1
1
17 COUNTY ROAD 6348 7.625 452.99 66
7.375 452.99 98,000.00
KIRTLAND NM 87417 2 12/11/98 00
0411142565 05 02/01/99 0
411142565 O 01/01/29
0
1856593 685/G01 F 230,400.00 ZZ
360 230,400.00 1
22686 CHERYL WAY 7.375 1,591.32 80
7.125 1,591.32 288,000.00
LAKE FOREST CA 92630 1 12/14/98 00
0431141514 03 02/01/99 0
116591 O 01/01/29
0
1856595 K08/G01 F 220,000.00 ZZ
360 220,000.00 1
7413 SILVERLEAF LANE 7.125 1,482.18 59
6.875 1,482.18 375,000.00
WEST BLOOMFIELD MI 48322 2 12/11/98 00
0411126881 05 02/01/99 0
411126881 O 01/01/29
0
1856600 685/G01 F 334,300.00 ZZ
360 334,300.00 1
28 LYON RIDGE 6.750 2,168.26 80
6.500 2,168.26 417,926.00
ALISO VIEJO ARE CA 92656 1 12/14/98 00
0431142439 03 02/01/99 0
115743 O 01/01/29
0
1856606 K08/G01 F 133,000.00 ZZ
360 132,908.47 1
8300 CHEROKEE LANE 7.875 964.34 70
7.625 964.34 190,000.00
LEAWOOD KS 66206 1 11/25/98 00
0411157605 03 01/01/99 0
411157605 O 12/01/28
0
1856607 K08/G01 F 81,250.00 ZZ
360 81,250.00 1
3766 SOUTH BRADLEY 7.625 575.08 65
7.375 575.08 125,000.00
SPRINGFIELD MO 65804 5 12/11/98 00
0411185960 05 02/01/99 0
1
411185960 O 01/01/29
0
1856609 K08/G01 F 383,250.00 ZZ
360 383,250.00 1
7921 BEVERLY HILLS AVENUE NE 7.375 2,647.01 74
7.125 2,647.01 522,000.00
ALBUQUERQUE NM 87122 2 12/11/98 00
0411144082 05 02/01/99 0
411144082 O 01/01/29
0
1856613 069/G01 F 312,300.00 ZZ
360 312,056.37 1
25303 MONTEREY CIRCLE 7.250 2,130.44 90
7.000 2,130.44 347,000.00
LOMITA CA 90717 1 11/23/98 01
0431150051 05 01/01/99 25
236231237 O 12/01/28
0
1856615 K08/G01 F 209,000.00 ZZ
360 209,000.00 1
1219 COUNTY RD 112 7.000 1,390.48 66
6.750 1,390.48 320,000.00
CARBONDALE CO 81623 2 12/11/98 00
0411080294 05 02/01/99 0
411080294 O 01/01/29
0
1856623 664/G01 F 114,000.00 ZZ
360 113,904.23 1
10054 SWINTON AVENUE 6.875 748.90 60
6.625 748.90 190,000.00
NORTH HILLS ARE CA 91343 2 11/19/98 00
0431141175 05 01/01/99 0
2847580 O 12/01/28
0
1856627 069/G01 F 293,000.00 ZZ
360 292,787.93 1
968 NORTH BIG SKY LANE 7.625 2,073.84 69
7.375 2,073.84 428,839.00
ORANGE CA 92869 1 11/20/98 00
0431151851 03 01/01/99 0
226225690 O 12/01/28
0
1
1856634 731/G01 F 161,000.00 ZZ
360 161,000.00 1
4254 MCLAUGHLIN AVENUE 7.000 1,071.14 54
6.750 1,071.14 300,000.00
CULVER CITY CA 90066 2 12/07/98 00
0431157445 05 02/01/99 0
411917372 O 01/01/29
0
1856641 685/G01 F 87,000.00 ZZ
360 87,000.00 1
12342 VERA CIRCLE 6.875 571.53 35
6.625 571.53 255,000.00
GARDEN GROVE CA 92845 2 12/03/98 00
0431144773 05 02/01/99 0
116632 O 01/01/29
0
1856648 731/G01 F 302,000.00 ZZ
360 302,000.00 1
5220 LE BARRON ROAD 6.875 1,983.92 71
6.625 1,983.92 430,000.00
SAN DIEGO CA 92120 2 12/07/98 00
0431163310 03 02/01/99 0
613513532 O 01/01/29
0
1856649 K08/G01 F 350,000.00 ZZ
360 350,000.00 1
5805 S.W. 118TH STREET 6.875 2,299.25 65
6.625 2,299.25 540,000.00
CORAL GABLES FL 33156 1 12/15/98 00
0411180342 05 02/01/99 0
411180342 O 01/01/29
0
1856658 A46/G01 F 138,000.00 ZZ
360 138,000.00 1
67 CANDLE PINE PLACE 7.000 918.12 52
6.750 918.12 268,500.00
THE WOODLANDS TX 77381 5 12/10/98 00
0431150325 05 02/01/99 0
0321208 O 01/01/29
0
1856663 685/G01 F 255,050.00 ZZ
360 255,050.00 1
28440 NORTH CALEX DRIVE 7.375 1,761.57 80
7.125 1,761.57 318,850.00
1
VALENCIA AREA CA 91354 1 12/15/98 00
0431142843 03 02/01/99 0
116687 O 01/01/29
0
1856671 685/G01 F 244,000.00 ZZ
360 244,000.00 1
17230 GROWERS CIRCLE 7.125 1,643.88 76
6.875 1,643.88 325,000.00
YORBA LINDA CA 92886 2 12/07/98 00
0431144831 05 02/01/99 0
116313 O 01/01/29
0
1856674 685/G01 F 282,400.00 ZZ
360 282,400.00 1
27892 SHEFFIELD 7.375 1,950.47 80
7.125 1,950.47 353,000.00
MISSION VIEJO CA 92692 1 12/16/98 00
0431142512 03 02/01/99 0
116883 O 01/01/29
0
1856677 638/G01 F 248,000.00 ZZ
360 247,815.95 1
80 SUFFOLK DRIVE 7.500 1,734.05 80
7.250 1,734.05 310,000.00
MADISON CT 06443 1 11/30/98 00
0431146414 05 01/01/99 0
08825067 O 12/01/28
0
1856681 685/G01 F 303,300.00 ZZ
360 303,300.00 1
60 MONTROSE 7.125 2,043.39 80
6.875 2,043.39 379,145.00
IRVINE CA 92720 1 12/11/98 00
0431142330 03 02/01/99 0
116634 O 01/01/29
0
1856694 561/561 F 930,000.00 ZZ
360 930,000.00 1
278 JOYCE LANE 7.125 6,265.59 59
6.875 6,265.59 1,600,000.00
ARNOLD MD 21012 2 12/09/98 00
9546524 05 02/01/99 0
9546524 O 01/01/29
0
1
1856697 B28/G01 F 192,950.00 ZZ
360 192,803.18 1
1555 CALIFORNIA 7.375 1,332.66 90
#615 7.125 1,332.66 214,406.00
DENVER CO 80202 1 12/04/98 11
0431160134 08 01/01/99 25
02981791 O 12/01/28
0
1856710 893/G01 F 311,000.00 ZZ
360 311,000.00 1
1220 NORTH 5TH STREET 7.375 2,148.00 74
7.125 2,148.00 425,000.00
BURBANK CA 91504 5 12/07/98 00
0431141589 05 02/01/99 0
9810019 O 01/01/29
0
1856712 638/G01 F 180,800.00 ZZ
360 180,800.00 1
122 VIA ATHENA 7.125 1,218.08 80
6.875 1,218.08 226,000.00
ALISO VIEJO CA 92656 1 12/01/98 00
0431145994 01 02/01/99 0
08828800 O 01/01/29
0
1856727 654/G01 F 200,000.00 ZZ
360 200,000.00 1
375 CAROL DRIVE 7.000 1,330.60 43
6.750 1,330.60 470,000.00
VENTURA CA 93003 2 12/04/98 00
0431148204 05 02/01/99 0
71001678 O 01/01/29
0
1856737 638/G01 F 248,000.00 ZZ
360 247,764.69 1
8725 EAST GARDEN VIEW DRIVE 6.250 1,526.98 63
6.000 1,526.98 395,000.00
ANAHEIM CA 92808 2 11/24/98 00
0431145911 03 01/01/99 0
08822053 O 12/01/28
0
1856754 638/G01 F 277,000.00 ZZ
360 276,789.23 1
1
14 WINDMILL LANE 7.375 1,913.17 77
7.125 1,913.17 360,000.00
TUMBALL CT 06611 2 11/25/98 00
0431147461 05 01/01/99 0
08824137 O 12/01/28
0
1856759 E85/G01 F 256,000.00 ZZ
360 256,000.00 1
15 TILDEN DRIVE 7.250 1,746.37 59
7.000 1,746.37 435,000.00
NOVATO CA 94947 5 12/10/98 00
0431144641 05 02/01/99 0
9604275 O 01/01/29
0
1856763 638/G01 F 316,000.00 ZZ
360 316,000.00 1
3404 LANAI DRIVE 7.250 2,155.68 80
7.000 2,155.68 395,000.00
SAN RAMON CA 94583 5 12/03/98 00
0431146745 03 02/01/99 0
08821294 O 01/01/29
0
1856765 665/G01 F 289,000.00 ZZ
360 289,000.00 1
2243 SUN MOR AVENUE 7.250 1,971.49 45
7.000 1,971.49 645,000.00
MOUNTAIN VIEW CA 94040 2 12/08/98 00
0431141845 05 02/01/99 0
9801227215 O 01/01/29
0
1856768 638/G01 F 360,000.00 ZZ
360 359,732.83 1
399 DENALI LANE 7.500 2,517.17 79
7.250 2,517.17 460,000.00
MONTROSE CO 81401 5 11/17/98 00
0431145648 05 01/01/99 0
08822976 O 12/01/28
0
1856774 F18/G01 F 244,000.00 ZZ
360 244,000.00 1
2027 LOCKWOOD DRIVE 7.375 1,685.25 80
7.125 1,685.25 305,000.00
SAN JOSE CA 95132 1 11/30/98 00
0431141472 05 02/01/99 0
1
00359 O 01/01/29
0
1856775 638/G01 F 282,000.00 ZZ
360 281,800.97 1
2675 16TH AVENUE 7.750 2,020.28 80
7.500 2,020.28 352,500.00
SAN FRANCISCO CA 94116 1 11/19/98 00
0431145663 07 01/01/99 0
08823007 O 12/01/28
0
1856812 638/G01 F 200,000.00 ZZ
360 200,000.00 1
25693 AVENIDA JOLITA 7.250 1,364.35 80
7.000 1,364.35 250,000.00
SANTA CLARITA CA 91355 1 12/08/98 00
0431143981 05 02/01/99 0
8832373 O 01/01/29
0
1856814 638/G01 F 195,550.00 ZZ
360 195,550.00 1
2627 FLAGSTAFF COURT 7.125 1,317.46 75
6.875 1,317.46 260,762.00
CHULA VISTA CA 91914 1 12/02/98 00
0431144039 03 02/01/99 0
8831027 O 01/01/29
0
1856822 757/G01 F 324,500.00 ZZ
360 324,500.00 1
212 STONE FENCE ROAD 6.875 2,131.74 87
6.625 2,131.74 373,750.00
VERNON HILLS IL 60061 1 12/10/98 01
0431146984 05 02/01/99 25
3837937 O 01/01/29
0
1856846 356/G01 F 323,000.00 ZZ
360 323,000.00 1
157 PRESTON DRIVE 7.375 2,230.89 53
7.125 2,230.89 610,000.00
MOUNTAIN VIEW CA 94040 2 11/24/98 00
0431141357 05 02/01/99 0
2598407 O 01/01/29
0
1
1856847 638/G01 F 95,200.00 ZZ
360 95,134.48 1
2977 ROCHE DRIVE N 7.875 690.27 80
7.625 690.27 119,500.00
COLORADO SPRING CO 80918 1 11/12/98 00
0431143296 05 01/01/99 0
08822761 O 12/01/28
0
1856850 638/G01 F 272,000.00 ZZ
360 271,803.13 1
1772 CLEARWATER CANYON DRIVE 7.625 1,925.20 90
7.375 1,925.20 305,000.00
HENDERSON NV 89012 2 11/13/98 04
0431143486 03 01/01/99 25
08820377 O 12/01/28
0
1856852 638/G01 F 273,600.00 ZZ
360 273,401.98 1
2329 TALAVERA DRIVE 7.625 1,936.52 80
7.375 1,936.52 342,000.00
SAN RAMON CA 94583 2 11/24/98 00
0431143585 03 01/01/99 0
08818243 O 12/01/28
0
1856854 638/G01 F 129,500.00 ZZ
360 129,406.27 1
801 EMERY STREET 7.625 916.59 70
7.375 916.59 185,000.00
LONGMONT CO 80501 1 11/18/98 00
0431143643 05 01/01/99 0
08825450 O 12/01/28
0
1856855 638/G01 F 156,000.00 ZZ
360 155,881.30 1
6488 GEMSTONE WAY 7.375 1,077.45 80
7.125 1,077.45 195,000.00
COLORADO SPRING CO 80918 5 11/19/98 00
0431143668 05 01/01/99 0
08815180 O 12/01/28
0
1856857 638/G01 F 599,600.00 ZZ
360 599,600.00 1
4 HILLSPOINT COURT 7.000 3,989.15 80
6.750 3,989.15 749,500.00
1
LUTHERVILLE MD 21093 1 12/10/98 00
0431143759 03 02/01/99 0
08812494 O 01/01/29
0
1856862 638/G01 F 338,300.00 ZZ
360 338,300.00 1
16 MOORE COURT 7.125 2,279.19 74
6.875 2,279.19 460,000.00
ALAMEDA CA 94502 2 11/30/98 00
0431143544 03 02/01/99 0
08823035 O 01/01/29
0
1856864 638/G01 F 248,500.00 ZZ
360 248,291.23 1
32955 MCKINNIS CREEK ROAD 6.875 1,632.47 80
6.625 1,632.47 311,000.00
STEAMBOAT SPRIN CO 80477 2 11/23/98 00
0431148386 05 01/01/99 0
08823289 O 12/01/28
0
1856867 638/G01 F 344,000.00 ZZ
360 344,000.00 1
309 TUCKER STREET 7.000 2,288.64 80
6.750 2,288.64 430,000.00
ANNAPOLIS MD 21401 1 12/07/98 00
0431148477 05 02/01/99 0
08801580 O 01/01/29
0
1856869 638/G01 F 310,500.00 ZZ
360 310,226.06 1
937 WITTWER AVENUE 6.625 1,988.16 90
6.375 1,988.16 345,000.00
LOGANDALE NV 89021 2 11/13/98 10
0431157429 05 01/01/99 25
08754666 O 12/01/28
0
1856885 638/G01 F 240,000.00 ZZ
360 240,000.00 1
51 SUNVIEW AVENUE 7.125 1,616.92 74
6.875 1,616.92 325,000.00
SAN ANSELMO CA 94960 1 12/08/98 00
0431143650 05 02/01/99 0
8832093 O 01/01/29
0
1
1856892 638/G01 F 352,800.00 ZZ
360 352,800.00 1
32559 CARMEL WAY 7.250 2,406.72 80
7.000 2,406.72 441,000.00
UNION CITY CA 94587 1 11/30/98 00
0431145986 05 02/01/99 0
8829469 O 01/01/29
0
1856894 638/G01 F 280,150.00 ZZ
360 280,150.00 1
11699 SOUTH STONE CREST CIRCLE 7.250 1,911.12 95
7.000 1,911.12 294,900.00
RIVERTON UT 84065 1 12/10/98 10
0431146075 05 02/01/99 30
8835626 O 01/01/29
0
1856896 638/G01 F 254,665.00 ZZ
360 254,466.34 1
1596 CRANDON PLACE 7.250 1,737.26 88
7.000 1,737.26 290,000.00
CRYSTAL LAKE IL 60014 1 11/20/98 19
0431146307 05 01/01/99 25
8819556 O 12/01/28
0
1856897 638/G01 F 335,400.00 ZZ
360 335,125.08 1
6155 BOBCAT BLUFF 7.000 2,231.42 80
6.750 2,231.42 420,000.00
LITTLETON CO 80124 2 11/16/98 00
0431146497 05 01/01/99 0
8801702 O 12/01/28
0
1856914 F18/G01 F 252,000.00 ZZ
360 252,000.00 1
396 MORTON DRIVE 7.250 1,719.08 80
7.000 1,719.08 315,000.00
DALY CITY CA 94015 2 12/04/98 00
0431151406 05 02/01/99 0
R00376 O 01/01/29
0
1856917 E82/G01 F 297,000.00 ZZ
360 297,000.00 1
1
1432 CAMDEN AVENUE UNIT 305 7.000 1,975.95 70
6.750 1,975.95 430,000.00
LOS ANGELES CA 90025 5 12/04/98 00
0400161766 01 02/01/99 0
0400161766 O 01/01/29
0
1856923 356/G01 F 324,000.00 ZZ
360 324,000.00 1
8301 CREEKSIDE DRIVE 7.375 2,237.79 59
7.125 2,237.79 555,000.00
DUBLIN CA 94568 2 11/27/98 00
0431141381 03 02/01/99 0
2611788 O 01/01/29
0
1856927 L47/G01 F 287,100.00 ZZ
360 286,389.89 1
11715 TIFTON DRIVE 7.000 1,910.08 90
6.750 1,910.08 319,000.00
POTOMAC MD 20854 2 08/31/98 10
0431152289 05 11/01/98 25
980432 O 10/01/28
0
1856938 116/116 F 244,000.00 ZZ
360 244,000.00 1
134 WEST SHADOWPOINT CIRCLE 7.125 1,643.88 80
6.875 1,643.88 305,000.00
THE WOODLANDS TX 77381 1 12/04/98 00
091067539 03 02/01/99 0
091067539 O 01/01/29
0
1856952 F18/G01 F 273,950.00 ZZ
360 273,950.00 1
746 SANTA RITA STREET 7.500 1,915.50 95
7.250 1,915.50 288,400.00
SUNNYVALE CA 94086 1 12/11/98 11
0431156421 05 02/01/99 30
00387 O 01/01/29
0
1856961 420/G01 F 255,000.00 ZZ
360 254,801.08 1
1107 PARK PACIFICA AVENUE 7.250 1,739.55 80
7.000 1,739.55 320,000.00
PACIFICA CA 94044 2 11/18/98 00
0431141183 05 01/01/99 0
1
0000395319 O 12/01/28
0
1857022 420/G01 F 160,300.00 ZZ
360 160,186.86 1
2129 DE LUCCHI DRIVE 7.750 1,148.41 70
7.500 1,148.41 229,000.00
PLEASANTON CA 94588 1 11/19/98 00
0431140946 09 01/01/99 0
398586 O 12/01/28
0
1857046 811/G01 F 352,000.00 ZZ
360 352,000.00 1
3463 SCHOOL STREET 6.875 2,312.39 80
6.625 2,312.39 440,000.00
LAFAYETTE CA 94549 1 12/08/98 00
0431150374 05 02/01/99 0
FM02103461 O 01/01/29
0
1857048 L47/G01 F 262,500.00 ZZ
360 262,500.00 1
168 SUNSET GARDENS DRIVE 6.875 1,724.44 75
6.625 1,724.44 350,000.00
TAVERNIER FL 33070 5 12/11/98 00
0431163443 05 02/01/99 0
189891 O 01/01/29
0
1857049 811/G01 F 436,000.00 ZZ
360 436,000.00 1
3199 ARBOLADO DRIVE 6.875 2,864.21 80
6.625 2,864.21 545,000.00
WALNUT CREEK CA 94598 1 12/11/98 00
0431154897 05 02/01/99 0
FM02104618 O 01/01/29
0
1857072 356/G01 F 368,500.00 ZZ
360 368,500.00 1
12 CHESTER CIRCLE 7.375 2,545.14 58
7.125 2,545.14 645,000.00
LOS ALTOS CA 94022 2 11/25/98 00
0431145598 05 02/01/99 0
2648103 O 01/01/29
0
1
1857074 J95/J95 F 280,000.00 ZZ
360 279,781.58 1
507 WEYBRIDGE DRIVE 7.250 1,910.09 75
7.000 1,910.09 378,000.00
SAN JOSE CA 95123 2 11/10/98 00
0013467204 05 01/01/99 0
0013467204 O 12/01/28
0
1857077 H22/G01 F 138,000.00 ZZ
360 138,000.00 1
340 EAST DRIVE 7.125 929.73 64
6.875 929.73 216,000.00
COPIAGUE NY 11726 2 12/14/98 00
0431146828 05 02/01/99 0
9810035 O 01/01/29
0
1857084 964/G01 F 470,000.00 ZZ
360 469,282.54 1
27 MOUNTAIN VIEW AVENUE 7.375 3,246.17 73
7.125 3,246.17 648,000.00
MILL VALLEY CA 94941 2 10/13/98 00
0431146042 05 12/01/98 0
43518 O 11/01/28
0
1857096 J95/J95 F 237,500.00 ZZ
360 237,314.73 1
3197 QUIETWATER LANE 7.250 1,620.17 95
7.000 1,620.17 250,000.00
GULF BREEZE FL 32560 1 11/12/98 04
16392086 05 01/01/99 30
16392086 O 12/01/28
0
1857100 J95/J95 F 278,300.00 ZZ
360 278,066.19 1
0207 SPRING BEAUTY 6.875 1,828.24 74
6.625 1,828.24 380,000.00
SILVERTHORNE CO 80498 2 11/10/98 00
0013504931 05 01/01/99 0
0013504931 O 12/01/28
0
1857107 J95/J95 F 350,000.00 ZZ
360 349,720.12 1
112 EIGHTH STREET 7.125 2,358.01 75
6.875 2,358.01 470,000.00
1
HUNTINGTON BEAC CA 92648 2 11/06/98 00
13181094 07 01/01/99 0
13181094 O 12/01/28
0
1857119 J95/J95 F 280,600.00 ZZ
360 280,381.10 1
828 KYLE STREET 7.250 1,914.19 75
7.000 1,914.19 378,000.00
SAN JOSE CA 95127 2 11/11/98 00
13467121 05 01/01/99 0
13467121 O 12/01/28
0
1857127 J95/J95 F 360,650.00 ZZ
360 360,027.23 1
1650 32ND STREET NW 6.750 2,339.17 80
6.500 2,339.17 455,000.00
WASHINGTON DC 20007 2 11/02/98 00
0013605522 07 12/01/98 0
0013605522 O 11/01/28
0
1857135 J95/J95 F 493,000.00 ZZ
360 492,595.89 1
1907 BRYCE COURT 7.000 3,279.94 68
6.750 3,279.94 730,000.00
EVERGREEN CO 80439 2 11/10/98 00
13503602 05 01/01/99 0
13503602 O 12/01/28
0
1857139 J95/J95 F 245,550.00 ZZ
360 245,175.16 1
9859 SILVER MAPLE ROAD 7.375 1,695.95 95
7.125 1,695.95 258,500.00
HIGHLANDS RANCH CO 80126 1 10/29/98 10
16356503 05 12/01/98 35
16356503 O 11/01/28
0
1857146 J95/J95 F 287,000.00 ZZ
360 286,776.11 1
5455 PENFIELD AVENUE 7.250 1,957.85 66
7.000 1,957.85 435,000.00
WOODLAND HILLS CA 91364 2 11/01/98 00
13509112 05 01/01/99 0
13509112 O 12/01/28
0
1
1857150 575/G01 F 159,425.00 ZZ
360 159,294.32 1
8964 COTTON GRASS STREET 7.000 1,060.66 70
6.750 1,060.66 227,768.00
WALDORF MD 20603 1 11/19/98 00
0431157379 07 01/01/99 0
9181009 O 12/01/28
0
1857185 601/G01 F 295,000.00 ZZ
360 295,000.00 1
701 VERDUN COURT 7.000 1,962.65 68
6.750 1,962.65 440,000.00
SOUTHLAKE TX 76092 1 12/03/98 00
0431144823 03 02/01/99 0
20438123 O 01/01/29
0
1857195 822/G01 F 275,000.00 ZZ
360 275,000.00 1
1104 MELLIEN DRIVE 7.125 1,852.73 70
6.875 1,852.73 392,900.00
DOWNINGTOWN PA 19335 2 12/09/98 00
0431153279 05 02/01/99 0
0136099232 O 01/01/29
0
1857198 601/G01 F 630,000.00 ZZ
360 629,483.59 1
6375 ALEXANDER DRIVE 7.000 4,191.41 74
6.750 4,191.41 856,000.00
CLAYTON MO 63105 2 11/25/98 00
0431144807 03 01/01/99 0
12846853 O 12/01/28
0
1857200 601/G01 F 255,000.00 ZZ
360 255,000.00 1
1772 DUPONT AVE S 6.750 1,653.93 51
6.500 1,653.93 500,000.00
MINNEAPOLIS MN 55403 2 12/07/98 00
0431144815 05 02/01/99 0
21115050 O 01/01/29
0
1857201 685/G01 F 168,000.00 ZZ
360 168,000.00 1
1
320 NORTH WANDA DRIVE 7.125 1,131.85 80
6.875 1,131.85 210,000.00
FULLERTON CA 92833 2 12/09/98 00
0431145895 05 02/01/99 0
116621 O 01/01/29
0
1857204 685/G01 F 324,000.00 ZZ
360 324,000.00 1
18 INDIAN PIPE 7.500 2,265.46 55
7.250 2,265.46 590,000.00
DOVE CANYON ARE CA 92679 2 12/04/98 00
0431146927 03 02/01/99 0
116011 O 01/01/29
0
1857207 601/G01 F 330,500.00 ZZ
360 330,500.00 1
2996 RENOLDSBURG-NEW ALBANY 6.625 2,116.23 80
6.375 2,116.23 413,179.00
BLACKLICK OH 43004 1 12/10/98 00
0431147347 05 02/01/99 0
2092120 O 01/01/29
0
1857210 956/G01 F 392,000.00 ZZ
360 391,323.10 1
2087 BIRCH AVENUE 6.750 2,542.50 80
6.500 2,542.50 490,000.00
SAN CARLOS CA 94070 1 10/06/98 00
0431155977 05 12/01/98 0
108070500 O 11/01/28
0
1857215 956/G01 F 314,000.00 ZZ
360 314,000.00 1
3125 ARLOTTE 7.125 2,115.48 90
6.875 2,115.48 349,000.00
LONG BEACH CA 90808 1 12/09/98 01
0431144799 05 02/01/99 25
108110971 O 01/01/29
0
1857222 E60/G01 F 211,850.00 ZZ
360 211,850.00 1
32400 CORTE SANTA CATALINA 7.500 1,481.29 75
7.250 1,481.29 282,500.00
TEMECULA CA 92591 1 12/11/98 00
0431150242 05 02/01/99 0
1
511371 O 01/01/29
0
1857224 822/G01 F 248,000.00 ZZ
360 247,791.64 1
6045 SHAFFER DRIVE 6.875 1,629.19 77
6.625 1,629.19 325,000.00
ALEXANDRIA VA 22310 2 11/12/98 00
0431143783 05 01/01/99 0
1206015116 O 12/01/28
0
1857242 J95/J95 F 408,000.00 ZZ
360 407,681.72 1
5919 KELLARNEY CIRCLE 7.250 2,783.28 78
7.000 2,783.28 525,000.00
SAN JOSE CA 95138 2 11/09/98 00
0013465778 03 01/01/99 0
0013465778 O 12/01/28
0
1857245 F27/F27 F 177,600.00 ZZ
360 177,600.00 1
20762 HOLLOW FALLS TERRACE 7.250 1,211.55 80
7.000 1,211.55 222,000.00
STERLING VA 20165 1 12/04/98 00
6060038668 09 02/01/99 0
6060038668 O 01/01/29
0
1857267 K08/G01 F 246,900.00 ZZ
360 246,900.00 1
668 E. DELGADO DRIVE 7.625 1,747.54 75
7.375 1,747.54 329,227.00
PALATINE IL 60067 1 12/15/98 00
0411190499 05 02/01/99 0
411190499 O 01/01/29
0
1857269 195/G01 F 625,000.00 ZZ
360 625,000.00 1
543 HAMMOND STREET 7.500 4,370.10 75
7.250 4,370.10 837,500.00
NEWTON MA 02158 1 12/15/98 00
0431160027 05 02/01/99 0
61043 O 01/01/29
0
1
1857277 K08/G01 F 120,000.00 ZZ
360 120,000.00 1
28351 SAN MARINO 7.625 849.35 64
7.375 849.35 190,000.00
SOUTHFIELD MI 48034 5 12/10/98 00
0410797252 05 02/01/99 0
410797252 O 01/01/29
0
1857283 956/G01 F 260,000.00 ZZ
360 260,000.00 1
3670 MARIGOLD STREET 7.125 1,751.67 74
6.875 1,751.67 355,000.00
SEAL BEACH CA 90740 2 12/02/98 00
0431149038 05 02/01/99 0
508100111 O 01/01/29
0
1857286 E82/G01 F 372,000.00 ZZ
360 372,000.00 1
3337 ALCO DRIVE 7.125 2,506.23 75
6.875 2,506.23 496,000.00
WATERFORD MI 48329 5 12/17/98 00
0400157384 05 02/01/99 0
400157384 O 01/01/29
0
1857290 J83/G01 F 296,550.00 ZZ
360 295,661.34 1
3013 WARRINGTON ROAD 7.500 2,073.53 90
7.250 2,073.53 329,500.00
BIRMINGHAM AL 35223 1 08/25/98 11
0431150473 05 10/01/98 25
260123 O 09/01/28
0
1857297 956/G01 F 520,000.00 ZZ
360 520,000.00 1
630 CRESTVIEW AVENUE 7.375 3,591.51 72
7.125 3,591.51 725,000.00
CAMARILLO CA 93010 5 12/04/98 00
0431145002 05 02/01/99 0
508110191 O 01/01/29
0
1857305 956/G01 F 275,000.00 ZZ
360 275,000.00 1
15750 ELLIS DRIVE 7.125 1,852.73 55
6.875 1,852.73 500,000.00
1
MORGAN HILL CA 95037 5 12/03/98 00
0431152420 05 02/01/99 0
708100540 O 01/01/29
0
1857307 E82/G01 F 207,000.00 ZZ
360 207,000.00 1
358 LOMA VISTA STREET 7.250 1,412.10 69
7.000 1,412.10 300,000.00
EL SEGUNDO CA 90245 2 12/14/98 00
0400169066 05 02/01/99 0
400169066 O 01/01/29
0
1857308 956/G01 F 278,000.00 ZZ
360 277,531.56 1
26140 NORTH TWAIN PLACE 6.875 1,826.26 69
6.625 1,826.26 404,000.00
STEVENSON RANCH CA 91381 2 10/26/98 00
0431152792 05 12/01/98 0
808091248 O 11/01/28
0
1857311 J95/J95 F 500,000.00 ZZ
360 499,579.93 1
3301 HARRINGTON DRIVE 6.875 3,284.65 69
6.625 3,284.65 728,000.00
BOCA RATON FL 33496 1 11/19/98 00
0010149763 03 01/01/99 0
0010149763 O 12/01/28
0
1857312 956/G01 F 315,000.00 ZZ
360 315,000.00 1
5700 CHELTON DRIVE 7.000 2,095.70 75
6.750 2,095.70 421,000.00
OAKLAND CA 94611 5 12/01/98 00
0431149046 05 02/01/99 0
708110179 O 01/01/29
0
1857327 J95/J95 F 308,000.00 ZZ
360 307,441.62 1
6804 RALDINA COURT 6.500 1,946.77 52
6.250 1,946.77 600,000.00
CARMICHAEL CA 95608 2 10/29/98 00
0013472337 05 12/01/98 0
0013472337 O 11/01/28
0
1
1857335 J95/J95 F 282,400.00 ZZ
360 282,174.17 1
41115 VALLEY VIEW COURT 7.125 1,902.58 80
6.875 1,902.58 353,000.00
ELIZABETH CO 80107 1 11/17/98 00
0013489752 03 01/01/99 0
0013489752 O 12/01/28
0
1857351 944/G01 F 268,700.00 ZZ
360 268,700.00 1
3102 HALF DOME DRIVE 7.000 1,787.67 80
6.750 1,787.67 335,900.00
PLEASANTON CA 94566 1 12/09/98 00
0431144310 03 02/01/99 0
981200061 O 01/01/29
0
1857357 956/G01 F 300,000.00 ZZ
360 299,481.97 1
1611 ASHFORD OAKS CT 6.750 1,945.79 75
6.500 1,945.79 403,000.00
WILDWOOD MO 63038 2 10/29/98 00
0431145754 05 12/01/98 0
908100413 O 11/01/28
0
1857359 956/G01 F 260,500.00 ZZ
360 260,500.00 1
4006 LOCH LOMAND WAY 7.125 1,755.04 63
6.875 1,755.04 420,000.00
LIVERMORE CA 94550 5 12/03/98 00
0431149079 05 02/01/99 0
208100956 O 01/01/29
0
1857361 K08/G01 F 540,000.00 ZZ
360 540,000.00 1
1841 SUDBURY LANE NW 7.375 3,729.65 80
7.125 3,729.65 675,000.00
WASHINGTON DC 20012 1 12/15/98 00
0411190739 05 02/01/99 0
411190739 O 01/01/29
0
1857363 K08/G01 F 319,000.00 ZZ
360 319,000.00 1
1
1560 HEMLOCK STREET NW 7.000 2,122.31 80
6.750 2,122.31 399,000.00
WASHINGTON DC 20012 1 12/15/98 00
0411198724 05 02/01/99 0
411198724 O 01/01/29
0
1857370 893/G01 F 330,000.00 ZZ
360 330,000.00 1
1525 ROSEMERE COURT 6.750 2,140.38 50
6.500 2,140.38 665,000.00
FREMONT CA 94539 2 12/14/98 00
0431146166 05 02/01/99 0
98110372 O 01/01/29
0
1857378 956/G01 F 277,600.00 ZZ
360 277,120.64 1
1118 LAKE FOREST CIRCLE 6.750 1,800.51 73
6.500 1,800.51 385,000.00
HOOVER AL 35244 2 10/29/98 00
0431145507 03 12/01/98 0
1208100220 O 11/01/28
0
1857382 956/G01 F 618,750.00 ZZ
360 617,681.54 1
12776 NORFOLK LANE 6.750 4,013.20 75
6.500 4,013.20 825,000.00
CARMEL IN 46032 5 10/29/98 00
0431145655 03 12/01/98 0
908100314 O 11/01/28
0
1857389 956/G01 F 317,500.00 ZZ
360 317,500.00 1
949 16TH STREET 7.000 2,112.34 80
6.750 2,112.34 397,000.00
HERMOSA BEACH CA 90254 2 12/03/98 00
0431145622 05 02/01/99 0
508090360 O 01/01/29
0
1857393 956/G01 F 318,000.00 ZZ
360 317,726.21 1
7738 FAIROAKS DRIVE 6.750 2,062.54 75
6.500 2,062.54 425,000.00
PLESANTON CA 94588 5 11/03/98 00
0431144989 05 01/01/99 0
1
308100187 O 12/01/28
0
1857396 956/G01 F 323,000.00 ZZ
360 323,000.00 1
3358 JERICHO LANE 7.000 2,148.93 74
6.750 2,148.93 440,000.00
SAN JOSE CA 95117 5 12/08/98 00
0431152636 05 02/01/99 0
208090714 O 01/01/29
0
1857419 F42/G01 F 420,000.00 ZZ
360 420,000.00 1
4 COBBLESTONE COURT 7.375 2,900.84 80
7.125 2,900.84 525,000.00
WAYNE NJ 07470 1 12/10/98 00
0431155308 05 02/01/99 0
NJ00036 O 01/01/29
0
1857421 K08/G01 F 112,500.00 ZZ
360 112,500.00 1
11750 WEST SUNSET BOULEVARD 7.375 777.01 75
UNIT # 402 7.125 777.01 150,000.00
LOS ANGELES CA 90049 1 12/11/98 00
0411192321 01 02/01/99 0
411192321 O 01/01/29
0
1857490 A91/G01 F 271,000.00 ZZ
360 271,000.00 1
25 SILANO DRIVE 7.125 1,825.78 90
6.875 1,825.78 301,249.00
OXFORD CT 06478 1 12/18/98 01
0431149921 05 02/01/99 25
9817614 O 01/01/29
0
1857525 B60/G01 F 333,400.00 ZZ
360 333,400.00 1
10132 PHELEN DRIVE 7.625 2,359.79 52
7.375 2,359.79 650,000.00
VILLA PARK CA 92861 2 12/01/98 00
0431145309 05 02/01/99 0
259980 O 01/01/29
0
1
1857532 964/G01 F 310,400.00 ZZ
360 310,400.00 1
973 SOUTH WILDROSE LANE 7.000 2,065.10 80
6.750 2,065.10 388,000.00
ANAHEIM CA 92808 1 12/10/98 00
0431146885 03 02/01/99 0
47495 O 01/01/29
0
1857534 964/G01 F 300,000.00 ZZ
360 300,000.00 1
1229 NORTH ISABEL STREET 7.000 1,995.91 80
6.750 1,995.91 375,000.00
GLENDALE CA 91207 1 12/14/98 00
0431146752 05 02/01/99 0
47883 O 01/01/29
0
1857538 964/G01 F 311,900.00 ZZ
360 311,900.00 1
2637 SIERRA DEL LEON 7.000 2,075.08 80
6.750 2,075.08 389,900.00
CORONA CA 91720 1 12/09/98 00
0431146836 05 02/01/99 0
48055 O 01/01/29
0
1857540 964/G01 F 381,000.00 ZZ
360 381,000.00 1
1200 TOYON DRIVE 6.750 2,471.16 61
6.500 2,471.16 630,000.00
MILLBRAE CA 94030 5 12/14/98 00
0431146893 05 02/01/99 0
47477 O 01/01/29
0
1857550 F18/G01 F 265,000.00 ZZ
360 265,000.00 1
365 SAN ANDREAS DRIVE 7.375 1,830.29 90
7.125 1,830.29 295,000.00
MILPITAS CA 95035 1 12/10/98 11
0431156504 05 02/01/99 25
00391 O 01/01/29
0
1857558 B57/G01 F 290,700.00 ZZ
360 290,700.00 1
23228 CASS AVENUE 7.375 2,007.80 90
7.125 2,007.80 323,000.00
1
LOS ANGELES CA 91364 1 12/09/98 11
0431145267 05 02/01/99 25
9814206 O 01/01/29
0
1857563 601/G01 F 256,410.00 ZZ
360 256,410.00 1
16496 FALMOUTH DR 7.750 1,836.96 90
7.500 1,836.96 284,900.00
STRONGSVILLE OH 44136 1 12/11/98 11
0431142975 03 02/01/99 25
20920575 O 01/01/29
0
1857567 B64/G01 F 285,800.00 ZZ
360 285,800.00 1
106 GREEN MEADOW DRIVE 7.500 1,998.36 79
7.250 1,998.36 365,000.00
ELKTON MD 21921 2 12/11/98 00
0431150523 05 02/01/99 0
67204 O 01/01/29
0
1857581 003/G01 F 256,500.00 ZZ
360 256,500.00 1
1546 NW 121ST DRIVE 7.625 1,815.50 95
7.375 1,815.50 270,000.00
CORAL SPRINGS FL 33071 1 12/16/98 10
0431153063 03 02/01/99 30
10578631 O 01/01/29
0
1857594 K08/G01 F 264,000.00 ZZ
360 264,000.00 1
2735 BONNIE DRIVE 6.750 1,712.30 80
6.500 1,712.30 330,000.00
SANTA CLARA CA 95051 1 12/08/98 00
0411161680 05 02/01/99 0
411161680 O 01/01/29
0
1857598 K08/G01 F 332,650.00 ZZ
360 332,650.00 1
31281 PASEO CRUCERO 7.125 2,241.12 80
6.875 2,241.12 415,830.00
SAN JUAN CAPIST CA 92675 1 12/10/98 00
0411173735 03 02/01/99 0
411173735 O 01/01/29
0
1
1857602 J95/J95 F 258,000.00 ZZ
360 257,565.25 1
43248 MEADOWBROOK CIRCLE 6.875 1,694.88 75
6.625 1,694.88 345,000.00
PARKER CO 80134 5 10/28/98 00
16290652 05 12/01/98 0
16290652 O 11/01/28
0
1857610 J95/J95 F 495,000.00 ZZ
360 494,623.35 1
598 TORLAND COURT 7.375 3,418.84 78
7.125 3,418.84 635,000.00
SUNNYVALE CA 94087 2 11/05/98 00
43467345 05 01/01/99 0
43467345 O 12/01/28
0
1857614 K08/G01 F 446,250.00 ZZ
360 446,250.00 1
943 NORTH NORTHLAKE DRIVE 6.875 2,931.54 75
6.625 2,931.54 595,000.00
HOLLYWOOD FL 33019 1 12/17/98 00
0411195761 05 02/01/99 0
411195761 O 01/01/29
0
1857623 B23/G01 F 258,000.00 ZZ
360 258,000.00 1
15382 ORLEANS CIRCLE 6.875 1,694.88 72
6.625 1,694.88 362,000.00
IRVINE CA 92604 2 12/16/98 00
0431162932 05 02/01/99 0
88002729 O 01/01/29
0
1857624 B23/G01 F 225,000.00 ZZ
360 225,000.00 1
654 WILCOX AVENUE NO. 1 7.625 1,592.54 75
7.375 1,592.54 300,000.00
LOS ANGELES CA 90004 1 12/14/98 00
0431159243 01 02/01/99 0
88003244 O 01/01/29
0
1857625 J95/J95 F 312,550.00 ZZ
360 312,287.42 1
1
2177 WATERCRESS PLACE 6.875 2,053.23 80
6.625 2,053.23 390,715.00
SAN RAMON CA 94583 1 11/09/98 00
13166061 03 01/01/99 0
13166061 O 12/01/28
0
1857626 F88/G01 F 318,000.00 ZZ
360 318,000.00 1
5169 PRINCESS ANNE ROAD 7.125 2,142.42 38
6.875 2,142.42 840,000.00
LA CANADA CA 91011 2 12/14/98 00
0431151141 05 02/01/99 0
98120109 O 01/01/29
0
1857629 H22/G01 F 231,000.00 ZZ
360 231,000.00 1
73-63 196TH STREET 7.000 1,536.85 61
6.750 1,536.85 381,000.00
FRESH MEADOWS NY 11366 1 12/17/98 00
0431147701 05 02/01/99 0
9811031 O 01/01/29
0
1857637 076/076 F 420,350.00 ZZ
360 419,454.20 1
25835 NE30TH CT 7.750 3,011.44 80
7.500 3,011.44 526,000.00
REDMOND WA 98053 1 09/25/98 00
90888 05 11/01/98 0
90888 O 10/01/28
0
1857638 076/076 F 604,000.00 ZZ
360 603,460.42 1
2211 SUTTON SPRINGS ROAD 6.875 3,967.85 80
6.625 3,967.85 760,000.00
CHARLOTTE NC 28226 1 11/06/98 00
91790 05 01/01/99 0
91790 O 12/01/28
0
1857639 076/076 F 400,000.00 ZZ
360 399,433.54 1
114 SOUNDVIEW TERRACE 7.750 2,865.65 77
7.500 2,865.65 525,000.00
NORTHPORT NY 11768 1 10/15/98 00
198440 05 12/01/98 0
1
198440 O 11/01/28
0
1857641 076/076 F 526,250.00 ZZ
360 525,785.70 1
535 STAGE HARBOR RD 6.625 3,369.64 53
6.375 3,369.64 1,000,000.00
CHATHAM MA 02633 1 11/02/98 00
1380903 05 01/01/99 0
1380903 O 12/01/28
0
1857643 076/076 F 277,500.00 ZZ
360 277,283.52 1
45 CHICORY ROAD 7.250 1,893.04 75
7.000 1,893.04 370,000.00
WESTFORD MA 01886 5 10/29/98 00
2579455 05 01/01/99 0
2579455 O 12/01/28
0
1857644 076/076 F 363,200.00 ZZ
360 361,229.36 1
2532 CHERRY AVE 7.375 2,508.54 80
7.125 2,508.54 454,000.00
SAN JOSE CA 95125 1 05/13/98 00
7153516 05 07/01/98 0
7153516 O 06/01/28
0
1857646 076/076 F 392,000.00 ZZ
360 389,924.97 1
710 NORTH 56TH STREET 7.500 2,740.92 80
7.250 2,740.92 490,000.00
OMAHA NE 68132 2 05/20/98 00
7212618 05 07/01/98 0
7212618 O 06/01/28
0
1857647 076/076 F 273,150.00 ZZ
360 271,704.13 1
1821 W LAKE SHORE DRIVE 7.500 1,909.90 79
7.250 1,909.90 350,000.00
ALVARADO TX 76009 2 05/06/98 00
7221492 05 07/01/98 0
7221492 O 06/01/28
0
1
1857648 076/076 F 289,600.00 ZZ
360 289,099.92 1
916 PARK CREST CIRCLE 6.750 1,878.34 80
6.500 1,878.34 365,000.00
BIRMINGHAM AL 35242 1 10/29/98 00
7232829 05 12/01/98 0
7232829 O 11/01/28
0
1857649 076/076 F 284,000.00 ZZ
360 283,555.54 1
490 WINDWOOD LN 7.250 1,937.39 84
7.000 1,937.39 340,000.00
CABOT AR 72023 1 10/28/98 12
7251058 05 12/01/98 12
7251058 O 11/01/28
0
1857652 076/076 F 291,200.00 ZZ
360 290,443.60 1
4450 ACKERLY FARMS ROAD 6.750 1,888.72 80
6.500 1,888.72 365,000.00
NEW ALBANY OH 43054 1 09/15/98 00
7268168 05 11/01/98 0
7268168 O 10/01/28
0
1857654 076/076 F 337,750.00 ZZ
360 337,180.87 1
3576 SHAPES MEADOW LANE 6.875 2,218.78 80
6.625 2,218.78 423,750.00
FAIRFAX VA 22030 1 10/29/98 00
7272726 05 12/01/98 0
7272726 O 11/01/28
0
1857657 076/076 F 240,000.00 ZZ
360 239,585.56 1
2160 WOLFTRAP COURT 6.750 1,556.64 78
6.500 1,556.64 310,000.00
VIENNA VA 22182 1 10/05/98 00
7274544 05 12/01/98 0
7274544 O 11/01/28
0
1857658 076/076 F 296,750.00 ZZ
360 296,224.93 1
238 TALAHI RD SE 6.625 1,900.12 75
6.375 1,900.12 397,000.00
1
VIENNA VA 22180 2 10/26/98 00
7274549 05 12/01/98 0
7274549 O 11/01/28
0
1857664 076/076 F 337,000.00 ZZ
360 336,485.56 1
76 GLENEAGLE DRIVE 7.375 2,327.58 72
7.125 2,327.58 470,000.00
MASHPEE MA 02649 5 10/09/98 00
7282975 05 12/01/98 0
7282975 O 11/01/28
0
1857665 076/076 F 342,000.00 ZZ
360 341,409.42 1
33 POND STREET 6.750 2,218.21 55
6.500 2,218.21 622,000.00
DOVER MA 02030 5 10/23/98 00
7283102 05 12/01/98 0
7283102 O 11/01/28
0
1857666 076/076 F 312,000.00 ZZ
360 311,461.23 1
40 LINCOLN STREET 6.750 2,023.63 68
6.500 2,023.63 460,000.00
LEXINGTON MA 02421 2 10/22/98 00
7283188 05 12/01/98 0
7283188 O 11/01/28
0
1857669 076/076 F 450,000.00 ZZ
360 449,241.73 1
3220 MILLSTONE CT 6.875 2,956.18 52
6.625 2,956.18 875,000.00
MAUMEE OH 43537 2 10/23/98 00
7297130 05 12/01/98 0
7297130 O 11/01/28
0
1857670 076/076 F 260,000.00 ZZ
360 259,572.51 1
12820 WEST US 40 7.000 1,729.79 80
6.750 1,729.79 325,000.00
CAMBRIDGE CITY IN 47327 2 10/23/98 00
7302443 05 12/01/98 0
7302443 O 11/01/28
0
1
1857672 076/076 F 279,000.00 ZZ
360 278,141.88 1
9604 STATE RT 7 7.250 1,903.28 90
7.000 1,903.28 310,000.00
PROCTORVILLE OH 45669 2 09/25/98 11
7304772 05 11/01/98 25
7304772 O 10/01/28
0
1857676 076/076 F 502,222.00 ZZ
360 501,354.75 1
2073 ECHOING OAKS CIRCLE 6.750 3,257.41 62
6.500 3,257.41 820,000.00
DAYTON OH 45414 5 10/30/98 00
7309895 05 12/01/98 0
7309895 O 11/01/28
0
1857677 076/076 F 244,500.00 ZZ
300 243,641.69 1
8212 BEVELHEIMER RD 7.375 1,787.01 69
7.125 1,787.01 355,000.00
WESTERVILLE OH 43081 2 09/23/98 00
7313926 05 11/01/98 0
7313926 O 10/01/23
0
1857678 076/076 F 440,000.00 ZZ
360 439,311.43 1
50 W. 75TH STREET 7.250 3,001.58 80
7.000 3,001.58 550,000.00
INDIANAPOLIS IN 46260 2 10/19/98 00
7315492 05 12/01/98 0
7315492 O 11/01/28
0
1857684 076/076 F 426,000.00 ZZ
348 425,342.50 1
39704 N 100TH STREET 7.750 3,078.94 59
7.500 3,078.94 725,000.00
SCOTTSDALE AZ 85262 1 11/01/98 00
7322112 05 12/01/98 0
7322112 O 11/01/27
0
1857685 076/076 F 300,000.00 ZZ
360 295,481.04 1
1
285 I-49 SOUTH SERVICES ROAD 7.000 1,995.91 72
6.750 1,995.91 420,000.00
CARENCO LA 70520 2 10/29/98 00
7322597 05 12/01/98 0
7322597 O 11/01/28
0
1857686 076/076 F 327,000.00 ZZ
347 326,178.21 1
11428 E WHISPERING WIND DRIVE 7.375 2,281.94 73
7.125 2,281.94 450,000.00
SCOTTSDALE AZ 85255 1 10/01/98 00
7323565 05 11/01/98 0
7323565 O 09/01/27
0
1857692 076/076 F 292,000.00 ZZ
360 291,772.21 1
N23 W28271 BEACH PARK CIRCLE 7.250 1,991.96 80
7.000 1,991.96 365,000.00
PEWAUKEE WI 53072 2 11/05/98 00
7347528 05 01/01/99 0
7347528 O 12/01/28
0
1857695 076/076 F 283,500.00 ZZ
360 283,261.82 1
1429 NW 12TH AVEUE 6.875 1,862.40 89
6.625 1,862.40 321,000.00
CORAL SPRINGS FL 33071 1 11/19/98 12
7357193 05 01/01/99 25
7357193 O 12/01/28
0
1857697 076/076 F 275,750.00 ZZ
360 275,359.50 1
8 BIRCH BRUSH ROAD 7.750 1,975.51 80
7.500 1,975.51 345,000.00
SHREWSBURY MA 01545 1 10/23/98 00
7380097 05 12/01/98 0
7380097 O 11/01/28
0
1857698 076/076 F 335,000.00 ZZ
360 334,697.15 1
5 OLD FARM COURT 6.500 2,117.43 67
6.250 2,117.43 500,000.00
MONTVILLE NJ 07045 5 11/09/98 00
7401735 05 01/01/99 0
1
7401735 O 12/01/28
0
1857699 076/076 F 340,000.00 ZZ
360 339,412.89 1
137 COUNTRY CLUB DRIVE 6.750 2,205.23 64
6.500 2,205.23 539,000.00
MOORESTOWN NJ 08057 1 10/16/98 00
7402216 05 12/01/98 0
7402216 O 11/01/28
0
1857700 076/076 F 295,200.00 ZZ
360 294,969.72 1
6500 YORKTOWN COURT 7.250 2,013.78 90
7.000 2,013.78 328,000.00
LINCOLN NE 68516 2 10/30/98 12
7403092 05 01/01/99 25
7403092 O 12/01/28
0
1857701 076/076 F 491,250.00 ZZ
360 490,851.63 1
288 POTATO PATCH CIRCLE 7.125 3,309.64 75
6.875 3,309.64 655,000.00
EVERGREEN CO 80439 2 10/27/98 00
7404733 05 01/01/99 0
7404733 O 12/01/28
0
1857706 076/076 F 535,000.00 ZZ
360 534,572.16 1
591 HILL AVENUE 7.125 3,604.40 62
6.875 3,604.40 873,000.00
GLEN ELLYN IL 60137 2 11/02/98 00
7408917 05 01/01/99 0
7408917 O 12/01/28
0
1857709 076/076 F 261,600.00 ZZ
360 261,190.61 1
8634 S HARVARD PARK DR 7.250 1,784.58 83
7.000 1,784.58 317,000.00
SANDY UT 84094 2 10/30/98 14
7411218 05 12/01/98 12
7411218 O 11/01/28
0
1
1857715 076/076 F 270,000.00 ZZ
360 269,556.07 1
1809 RISING STAR LANE 7.000 1,796.32 74
6.750 1,796.32 366,000.00
EDMOND OK 73034 1 10/19/98 00
7413236 05 12/01/98 0
7413236 O 11/01/28
0
1857717 076/076 F 267,400.00 ZZ
360 266,938.24 1
121 S SAGE HILLS ROAD 6.750 1,734.36 80
6.500 1,734.36 338,000.00
ORANGE CA 92869 1 10/27/98 00
7414505 05 12/01/98 0
7414505 O 11/01/28
0
1857720 076/076 F 239,000.00 ZZ
360 238,813.56 1
1403 COUNTRY DRIVE 7.250 1,630.40 73
7.000 1,630.40 330,000.00
TROY MI 48098 2 10/29/98 00
7417534 05 01/01/99 0
7417534 O 12/01/28
0
1857723 076/076 F 268,000.00 ZZ
360 267,785.68 1
307 HAMILTON ROAD 7.125 1,805.57 70
6.875 1,805.57 385,000.00
WYNNEWOOD PA 19096 5 11/03/98 00
7418598 05 01/01/99 0
7418598 O 12/01/28
0
1857726 076/076 F 292,000.00 ZZ
360 291,543.04 1
22 JEFFREY DRIVE 7.250 1,991.96 80
7.000 1,991.96 369,200.00
YORK ME 03909 1 10/28/98 00
7420460 05 12/01/98 0
7420460 O 11/01/28
0
1857727 076/076 F 374,125.00 ZZ
360 373,524.86 1
3906 TALLY HO 7.125 2,520.55 79
6.875 2,520.55 475,000.00
1
IRVING TX 75038 2 10/23/98 00
7420665 05 12/01/98 0
7420665 O 11/01/28
0
1857729 076/076 F 322,500.00 ZZ
360 321,995.32 1
15949 LIVE OAK SPRINGS CANYON 7.250 2,200.02 75
7.000 2,200.02 430,000.00
SANTA CLARITA CA 91351 2 10/12/98 00
7420956 05 12/01/98 0
7420956 O 11/01/28
0
1857730 076/076 F 413,500.00 ZZ
360 413,177.43 1
20574 KOMINA AVENUE 7.250 2,820.80 46
7.000 2,820.80 900,000.00
SARATOGA CA 95070 2 11/02/98 00
7421873 05 01/01/99 0
7421873 O 12/01/28
0
1857731 076/076 F 300,000.00 ZZ
360 299,777.35 1
84 HAYSTACK LANE 7.500 2,097.65 62
7.250 2,097.65 485,000.00
SNOWMASS CO 81654 5 10/28/98 00
7422638 05 01/01/99 0
7422638 O 12/01/28
0
1857734 076/076 F 263,200.00 ZZ
360 263,004.66 1
2270 CASA GRANDE STREET 7.500 1,840.34 80
7.250 1,840.34 329,000.00
PASADENA CA 91104 1 11/16/98 00
7429237 05 01/01/99 0
7429237 O 12/01/28
0
1857739 956/G01 F 272,000.00 ZZ
360 272,000.00 1
8747 FARRALONE AVENUE 7.250 1,855.52 80
7.000 1,855.52 340,000.00
WEST HILLS CA 91304 1 12/04/98 00
0431153568 05 02/01/99 0
508100338 O 01/01/29
0
1
1857740 956/G01 F 394,000.00 ZZ
360 393,072.36 1
9720 ELMHURST DRIVE 7.250 2,687.77 78
7.000 2,687.77 510,000.00
GRANITE BAY CA 95746 2 09/28/98 00
0431165158 05 11/01/98 0
308090145 O 10/01/28
0
1857741 B57/G01 F 340,400.00 ZZ
360 340,400.00 1
1571 HASLAM TERRACE 7.500 2,380.13 76
7.250 2,380.13 450,000.00
LOS ANGELES CA 90069 2 12/04/98 00
0431150333 05 02/01/99 0
9813718 O 01/01/29
0
1857743 956/G01 F 291,000.00 ZZ
360 290,509.66 1
6289 RIO BLANCO DRIVE 6.875 1,911.66 80
6.625 1,911.66 365,000.00
RANCHO MURIETA CA 95683 2 10/28/98 00
0431155951 03 12/01/98 0
808090627 O 11/01/28
0
1857745 956/G01 F 292,000.00 ZZ
360 292,000.00 1
819 ST. FRANCIS BOULEVARD 7.250 1,991.95 78
7.000 1,991.95 375,000.00
DALY CITY CA 94015 2 12/09/98 00
0431156066 05 02/01/99 0
208090437 O 01/01/29
0
1857755 G52/G01 F 600,000.00 ZZ
360 600,000.00 1
905 IKENA CIRCLE 6.750 3,891.59 45
6.500 3,891.59 1,360,000.00
HONOLULU HI 96821 2 12/10/98 00
0431145416 03 02/01/99 0
9250025 O 01/01/29
0
1857802 J95/J95 F 315,000.00 ZZ
360 313,400.26 1
1
8761 WOODLAND HEIGHTS PLACE 6.875 2,069.33 70
6.625 2,069.33 450,000.00
SALINAS CA 93907 2 11/13/98 00
13626593 05 01/01/99 0
13626593 O 12/01/28
0
1857804 K08/G01 F 304,000.00 ZZ
360 304,000.00 1
1959 WEST TENDERFOOT DRIVE 7.375 2,099.65 80
7.125 2,099.65 380,000.00
LARKSPUR CO 80118 2 12/10/98 00
0411170749 05 02/01/99 0
411170749 O 01/01/29
0
1857805 J95/J95 F 384,800.00 T
360 384,499.81 1
252 DANIEL DRIVE 7.250 2,625.02 80
7.000 2,625.02 481,000.00
SANIBEL FL 33957 1 11/18/98 00
9605254 05 01/01/99 0
9605254 O 12/01/28
0
1857810 K08/G01 F 296,800.00 ZZ
360 296,800.00 1
30 PARK MOUNTAIN 7.125 1,999.60 74
6.875 1,999.60 405,000.00
SAN ANTONIO TX 78255 4 12/18/98 00
0411194715 03 02/01/99 0
411194715 O 01/01/29
0
1857811 893/G01 F 300,000.00 ZZ
360 300,000.00 1
3675 MCNULTY WAY 6.750 1,945.79 52
6.500 1,945.79 585,000.00
REDWOOD CITY CA 94061 1 12/16/98 00
0431147008 05 02/01/99 0
98120499 O 01/01/29
0
1857815 J95/J95 F 281,950.00 ZZ
360 281,730.05 1
420 EAST GULF DRIVE 7.250 1,923.40 65
7.000 1,923.40 440,000.00
SANIBEL FL 33957 2 11/16/98 00
10128692 05 01/01/99 0
1
10128692 O 12/01/28
0
1857824 420/G01 F 397,200.00 ZZ
360 396,919.66 1
341 EL BONITO WAY 7.750 2,845.59 67
7.500 2,845.59 595,000.00
MILLBRAE CA 94030 2 11/24/98 00
0431143577 05 01/01/99 0
339139 O 12/01/28
0
1857860 K08/G01 F 100,500.00 ZZ
360 100,500.00 1
38 VALLEY ROAD 7.250 685.59 48
7.000 685.59 212,000.00
HAMPTON NJ 08827 2 12/14/98 00
0411154222 05 02/01/99 0
411154222 O 01/01/29
0
1857864 K08/G01 F 341,200.00 ZZ
360 341,200.00 1
3 KERSHAW LANE 7.750 2,444.40 75
7.500 2,444.40 455,000.00
MONTGOMERY TOWN NJ 08502 2 12/14/98 00
0411196470 03 02/01/99 0
411196470 O 01/01/29
0
1857866 K08/G01 F 146,000.00 ZZ
360 146,000.00 1
5515 SAGE DRIVE 7.250 995.98 80
7.000 995.98 182,510.00
ROCKLIN CA 95765 1 12/11/98 00
0411175664 05 02/01/99 0
411175664 O 01/01/29
0
1857873 K08/G01 F 248,000.00 ZZ
360 248,000.00 1
27336 COUNTRY GLEN ROAD 7.250 1,691.80 76
7.000 1,691.80 330,000.00
AGOURA HILLS CA 91301 2 12/08/98 00
0411136708 05 02/01/99 0
411136708 O 01/01/29
0
1
1857880 K08/G01 F 283,000.00 ZZ
360 283,000.00 1
12215 VIEWCREST ROAD 7.000 1,882.81 48
6.750 1,882.81 600,000.00
STUDIO CITY CA 91604 2 12/09/98 00
0411173867 05 02/01/99 0
411173867 O 01/01/29
0
1857887 K08/G01 F 90,000.00 ZZ
360 90,000.00 1
40084 MCKENZIE HIGHWAY 7.500 629.29 60
7.250 629.29 150,000.00
SPRINGFIELD OR 97478 5 12/11/98 00
0411154305 05 02/01/99 0
411154305 O 01/01/29
0
1857894 664/G01 F 236,450.00 ZZ
360 236,265.54 1
838 SOUTH CITRUS AVENUE 7.250 1,613.01 80
7.000 1,613.01 295,600.00
LOS ANGELES CA 90036 1 11/25/98 00
0431164672 05 01/01/99 0
2906642 O 12/01/28
0
1857896 J95/J95 F 251,250.00 ZZ
360 251,054.00 1
404 SHAMROCK DRIVE 7.250 1,713.97 75
7.000 1,713.97 335,000.00
CAMPBELL CA 95008 2 11/04/98 00
0013467253 05 01/01/99 0
0013467253 O 12/01/28
0
1857927 J95/J95 F 390,000.00 ZZ
360 389,672.36 1
11021 BUBB ROAD 6.875 2,562.02 67
6.625 2,562.02 585,000.00
CUPERTINO CA 95014 2 11/11/98 00
0013467907 05 01/01/99 0
0013467907 O 12/01/28
0
1857931 J95/J95 F 319,000.00 ZZ
360 318,751.14 1
0525 PEMMICAN COURT 7.250 2,176.15 51
7.000 2,176.15 629,000.00
1
FRISCO CO 80443 5 11/30/98 00
0013665237 03 01/01/99 0
0013665237 O 12/01/28
0
1857934 J95/J95 F 403,000.00 ZZ
360 402,661.43 1
684-686 DANFORTH DRIVE 6.875 2,647.42 72
6.625 2,647.42 560,000.00
SUNNYVALE CA 94087 2 11/02/98 00
0013466297 05 01/01/99 0
0013466297 O 12/01/28
0
1857948 J95/J95 F 475,000.00 ZZ
360 474,629.45 1
7 LYLE WAY 7.250 3,240.34 73
7.000 3,240.34 655,000.00
SANTA CRUZ CA 95060 2 11/04/98 00
0013465711 05 01/01/99 0
0013465711 O 12/01/28
0
1857959 J95/J95 F 304,000.00 ZZ
360 303,762.85 1
601 ALSACE LORRAINE AVENUE 7.250 2,073.82 80
7.000 2,073.82 380,000.00
HALF MOON BAY CA 94019 2 11/10/98 00
0013466578 05 01/01/99 0
0013466578 O 12/01/28
0
1857960 J95/J95 F 458,650.00 ZZ
360 458,283.22 1
13015 MOLLY DRIVE 7.125 3,090.01 72
6.875 3,090.01 644,000.00
CONIFER CO 80433 2 11/10/98 00
0013503578 05 01/01/99 0
0013503578 O 12/01/28
0
1857961 J95/J95 F 329,600.00 ZZ
360 329,342.88 1
707 BLUE TEAL DRIVE 7.250 2,248.45 80
7.000 2,248.45 412,000.00
FORT COLLINS CO 80524 2 11/18/98 00
13457254 03 01/01/99 0
13457254 O 12/01/28
0
1
1857962 K08/G01 F 227,000.00 ZZ
360 227,000.00 1
19189 FITZGERALD 7.375 1,567.83 74
7.125 1,567.83 308,000.00
LIVONIA MI 48152 2 12/15/98 00
0411084585 05 02/01/99 0
411084585 O 01/01/29
0
1857967 J95/J95 F 290,000.00 ZZ
360 289,773.76 1
496 BLUE RIDGE ROAD 7.250 1,978.32 77
7.000 1,978.32 380,000.00
SILVERTHORNE CO 80498 5 11/30/98 00
13724844 05 01/01/99 0
13724844 O 12/01/28
0
1857970 J95/J95 F 261,250.00 ZZ
360 260,830.92 1
10020 WEST 69TH PLACE 7.125 1,760.09 95
6.875 1,760.09 275,000.00
ARVADA CO 80004 1 10/28/98 10
0016363046 05 12/01/98 35
0016363046 O 11/01/28
0
1857971 J95/J95 F 249,750.00 ZZ
360 249,540.18 1
2345 EAST STRATFORD WAY 6.875 1,640.68 75
6.625 1,640.68 333,000.00
HIGHLANDS RANCH CO 80126 5 11/06/98 00
0016249625 03 01/01/99 0
0016249625 O 12/01/28
0
1857976 J95/J95 F 600,000.00 ZZ
360 598,988.95 1
505 N LAKESHORE DR 6.875 3,941.58 72
#2410-11 6.625 3,941.58 838,500.00
CHICAGO IL 60611 1 11/02/98 00
0016225351 06 12/01/98 0
0016225351 O 11/01/28
0
1857982 K08/G01 F 277,000.00 ZZ
360 277,000.00 1
1
45 ROCK RIDGE ROAD 7.250 1,889.63 70
7.000 1,889.63 400,000.00
WOODACRE CA 94973 2 12/07/98 00
0411176621 05 02/01/99 0
411176621 O 01/01/29
0
1857983 K08/G01 F 91,500.00 ZZ
360 91,500.00 1
6630 LEMON HILL AVENUE 7.625 647.63 67
7.375 647.63 138,000.00
SACRAMENTO CA 95824 2 12/11/98 00
0411178270 05 02/01/99 0
411178270 O 01/01/29
0
1857996 E82/G01 F 303,800.00 ZZ
360 303,800.00 1
6385 SANDRAY COURT 6.500 1,920.22 90
6.250 1,920.22 337,630.00
COLORADO SPRING CO 80919 1 12/23/98 04
0400109286 05 02/01/99 25
0400109286 O 01/01/29
0
1857999 E82/G01 F 343,000.00 ZZ
360 343,000.00 1
332 PALM AVENUE 7.000 2,281.99 60
6.750 2,281.99 575,000.00
CORONADO CA 92118 2 12/18/98 00
0400159240 05 02/01/99 0
400159240 O 01/01/29
0
1858005 E82/G01 F 300,000.00 ZZ
360 300,000.00 1
60 SOUTH SUNNYSIDE AVENUE 6.750 1,945.79 80
6.500 1,945.79 375,000.00
SIERRA MADRE CA 91024 2 12/18/98 00
0400170585 05 02/01/99 0
1624636 O 01/01/29
0
1858006 K08/G01 F 156,000.00 ZZ
360 156,000.00 1
4780 ROXBURY DRIVE 7.000 1,037.87 55
6.750 1,037.87 287,000.00
PITTSBORO IN 46167 2 12/15/98 00
0411196348 05 02/01/99 0
1
411196348 O 01/01/29
0
1858017 E82/G01 F 371,000.00 ZZ
360 371,000.00 1
4774 BRYN MAWR ROAD 7.375 2,562.40 68
7.125 2,562.40 550,000.00
LOS ANGELES CA 90027 2 12/16/98 00
0400163549 05 02/01/99 0
1551559 O 01/01/29
0
1858029 J95/J95 F 500,000.00 ZZ
360 499,609.95 1
11890 WALBROOK DRIVE 7.250 3,410.88 53
7.000 3,410.88 950,000.00
SARATOGA CA 95070 2 11/04/98 00
0013467261 05 01/01/99 0
0013467261 O 12/01/28
0
1858030 E82/G01 F 117,000.00 ZZ
360 117,000.00 1
94 COBB ROAD, UNIT #1 7.000 778.40 64
6.750 778.40 185,000.00
SHOREVIEW MN 55126 2 12/18/98 00
0400164174 05 02/01/99 0
0400164174 O 01/01/29
0
1858042 J95/J95 F 321,750.00 ZZ
360 321,499.01 1
1657 17TH AVE 7.250 2,194.90 75
7.000 2,194.90 429,000.00
SAN FRANCISCO CA 94122 2 11/09/98 00
0013464995 05 01/01/99 0
0013464995 O 12/01/28
0
1858049 J95/J95 F 380,000.00 ZZ
360 379,710.85 1
2069 MADAN LANE 7.375 2,624.57 80
7.125 2,624.57 475,000.00
SANTA CLARA CA 95050 2 11/11/98 00
0013466255 03 01/01/99 0
0013466255 O 12/01/28
0
1
1858051 J95/J95 F 649,900.00 ZZ
360 649,405.48 1
15333 VIA DEL SUR 7.375 4,488.70 56
7.125 4,488.70 1,168,000.00
MONTE SERENO CA 95030 2 11/09/98 00
0013464060 05 01/01/99 0
0013464060 O 12/01/28
0
1858056 K08/G01 F 650,000.00 ZZ
360 650,000.00 1
2330 MASSACHUSETTS AVENUE NW 7.125 4,379.17 76
6.875 4,379.17 864,000.00
WASHINGTON DC DC 20007 1 12/21/98 00
0411187123 07 02/01/99 0
411187123 O 01/01/29
0
1858070 685/G01 F 320,000.00 ZZ
360 320,000.00 1
1465 MARIANNA ROAD 7.375 2,210.17 80
7.125 2,210.17 400,000.00
PASADENA CA 91105 1 12/14/98 00
0431149301 05 02/01/99 0
115747 O 01/01/29
0
1858073 685/G01 F 260,000.00 ZZ
360 260,000.00 1
3111 MIDVALE AVENUE 7.250 1,773.66 80
7.000 1,773.66 325,000.00
LOS ANGELES CA 90034 2 12/14/98 00
0431146901 05 02/01/99 0
116764 O 01/01/29
0
1858074 822/G01 F 400,000.00 ZZ
360 399,695.62 1
115 OAKWOOD RD 7.375 2,762.71 80
7.125 2,762.71 500,000.00
WATCHUNG NJ 07060 1 11/30/98 00
0431152180 03 01/01/99 0
3606003629 O 12/01/28
0
1858084 731/G01 F 228,000.00 ZZ
360 228,000.00 1
7262 ALDER SPRING WAY 7.500 1,594.21 80
7.250 1,594.21 286,000.00
1
SAN JOSE CA 95139 2 12/04/98 00
0431162262 05 02/01/99 0
00 O 01/01/29
0
1858090 356/G01 F 305,000.00 ZZ
360 305,000.00 1
15845 PLEASANT VALLEY LANE 7.500 2,132.61 74
7.250 2,132.61 415,000.00
SALINAS CA 93908 5 11/29/98 00
0431146398 05 02/01/99 0
2651867 O 01/01/29
0
1858101 638/G01 F 174,000.00 ZZ
360 173,874.07 1
8536 NORTH OTTAWA AVENUE 7.625 1,231.56 76
7.375 1,231.56 231,000.00
NILES IL 60714 2 11/24/98 00
0431149756 05 01/01/99 0
08828785 O 12/01/28
0
1858110 811/G01 F 310,000.00 ZZ
360 310,000.00 1
22803 LONGDOWN ROAD 7.250 2,114.75 79
7.000 2,114.75 395,000.00
CUPERTINO CA 95014 1 12/08/98 00
0431154400 09 02/01/99 0
2208096 O 01/01/29
0
1858113 638/G01 F 90,300.00 ZZ
360 90,300.00 1
12240 CORTE SABIO #1105 7.750 646.92 70
7.500 646.92 129,000.00
SAN DIEGO CA 92128 1 12/01/98 00
0431147909 01 02/01/99 0
08831026 O 01/01/29
0
1858115 B57/G01 F 325,000.00 ZZ
360 325,000.00 1
1921 WEST SILVER LAKE DRIVE 7.250 2,217.08 70
7.000 2,217.08 465,000.00
LOS ANGELES CA 90039 5 12/11/98 00
0431162254 05 02/01/99 0
9830900 O 01/01/29
0
1
1858121 638/G01 F 310,400.00 ZZ
360 310,400.00 1
26271 GANIZA 7.500 2,170.36 80
7.250 2,170.36 388,000.00
MISSION VIEJO CA 92692 1 12/09/98 00
0431147776 03 02/01/99 0
8834753 O 01/01/29
0
1858122 G97/G01 F 300,000.00 ZZ
360 300,000.00 1
1818 101ST PL 7.125 2,021.16 90
UNIT G3 6.875 2,021.16 335,000.00
BELLEVUE WA 98004 1 12/14/98 10
0431154657 01 02/01/99 25
17553 O 01/01/29
0
1858125 638/G01 F 280,000.00 ZZ
360 280,000.00 1
3314 WEST SIERRA DRIVE 7.500 1,957.80 78
7.250 1,957.80 360,000.00
WESTLAKE VILLAG CA 91362 5 12/02/98 00
0431147669 05 02/01/99 0
8829177 O 01/01/29
0
1858126 637/G01 F 307,500.00 ZZ
360 307,500.00 1
35005 SPENDER COURT 6.875 2,020.06 70
6.625 2,020.06 440,000.00
FREMONT CA 94536 5 12/01/98 00
0431148857 05 02/01/99 0
0010154813 O 01/01/29
0
1858128 638/G01 F 296,000.00 ZZ
360 295,769.09 1
15057 AVENIDA DE LAS FLORES ST 7.250 2,019.24 80
7.000 2,019.24 370,000.00
CHINO HILLS CA 91709 5 11/30/98 00
0431147644 05 01/01/99 0
8827232 O 12/01/28
0
1858130 638/G01 F 330,000.00 ZZ
360 330,000.00 1
1
687 LONDON DRIVE 7.250 2,251.18 74
7.000 2,251.18 450,000.00
MILPITAS CA 95035 1 11/30/98 00
0431147560 05 02/01/99 0
8825515 O 01/01/29
0
1858132 069/G01 F 438,900.00 ZZ
360 438,900.00 1
1026 NORTH ANTONIO CIRCLE 6.750 2,846.70 80
6.500 2,846.70 548,639.00
ORANGE CA 92869 1 12/10/98 00
0431160522 03 02/01/99 0
2262266492 O 01/01/29
0
1858136 069/G01 F 262,000.00 T
360 262,000.00 1
127 LESSAY 7.250 1,787.31 66
7.000 1,787.31 400,000.00
NEWPORT COAST A CA 92657 2 12/07/98 00
0431162999 01 02/01/99 0
2362315455 O 01/01/29
0
1858140 638/G01 F 228,800.00 ZZ
360 228,630.20 1
7760 ALTA VIEW 7.500 1,599.80 80
7.250 1,599.80 286,000.00
MISSOULA MT 59804 2 11/19/98 00
0431147941 05 01/01/99 0
08826352 O 12/01/28
0
1858141 638/G01 F 121,600.00 ZZ
360 121,514.17 1
2490 WEST 80TH AVENUE 7.750 871.16 95
7.500 871.16 128,000.00
DENVER CO 80221 2 11/20/98 10
0431148055 05 01/01/99 30
08826498 O 12/01/28
0
1858142 811/G01 F 273,200.00 ZZ
360 273,200.00 1
615 LOUISE COURT 7.250 1,863.71 80
7.000 1,863.71 341,500.00
CAMPBELL CA 95008 1 12/16/98 00
0431159870 05 02/01/99 0
1
2208209 O 01/01/29
0
1858143 638/G01 F 195,000.00 ZZ
360 194,851.62 1
13 PARKROSE AVENUE 7.375 1,346.82 74
7.125 1,346.82 265,000.00
DALY CITY CA 94015 2 11/24/98 00
0431147982 05 01/01/99 0
8826911 O 12/01/28
0
1858144 811/G01 F 192,000.00 ZZ
360 192,000.00 1
6 BERKSHIRE PLACE 7.250 1,309.78 80
7.000 1,309.78 241,263.00
PETALUMA CA 94954 2 12/14/98 00
0431157817 03 02/01/99 0
202902 O 01/01/29
0
1858145 638/G01 F 266,000.00 ZZ
360 265,802.59 1
2418 STUART STREET 7.500 1,859.91 64
7.250 1,859.91 417,000.00
BERKELEY CA 94705 2 11/24/98 00
0431147446 05 01/01/99 0
8826924 O 12/01/28
0
1858149 638/G01 F 300,000.00 ZZ
360 300,000.00 1
4157 LAKESHORE AVENUE 7.250 2,046.53 69
7.000 2,046.53 440,000.00
OAKLAND CA 94610 1 12/01/98 00
0431147412 05 02/01/99 0
8826941 O 01/01/29
0
1858151 573/G01 F 334,400.00 ZZ
360 334,400.00 1
20801 SOUTH SPRINGWATER ROAD 6.875 2,196.77 80
6.625 2,196.77 418,050.00
ESTACADA OR 97023 1 12/08/98 00
0431162031 05 02/01/99 0
132464 O 01/01/29
0
1
1858152 638/G01 F 321,600.00 ZZ
360 321,600.00 1
5612 OAKHILL DRIVE 7.625 2,276.26 80
7.375 2,276.26 402,000.00
SANTA MARIA CA 93455 5 12/01/98 00
0431148501 05 02/01/99 0
08827139 O 01/01/29
0
1858153 638/G01 F 147,250.00 ZZ
360 147,250.00 1
5864 EAST 122ND PLACE 7.750 1,054.92 95
7.500 1,054.92 155,000.00
BRIGHTON CO 80601 2 12/02/98 10
0431148535 05 02/01/99 30
08827179 O 01/01/29
0
1858154 A39/G01 F 340,500.00 ZZ
360 340,500.00 1
9737 HORNER STREET 7.125 2,294.01 75
6.875 2,294.01 454,000.00
LOS ANGELES CA 90035 2 12/07/98 00
0431145697 05 02/01/99 0
9802012 O 01/01/29
0
1858166 638/G01 F 368,000.00 ZZ
360 368,000.00 1
4467 2ND STREET 7.500 2,573.11 80
7.250 2,573.11 460,000.00
PLEASANTON CA 94566 5 11/30/98 00
0431148030 05 02/01/99 0
8824753 O 01/01/29
0
1858168 E76/G01 F 309,225.00 ZZ
360 309,225.00 1
290 WEST 12TH AVENUE 7.500 2,162.15 80
#606 7.250 2,162.15 386,535.00
DENVER CO 80204 1 12/10/98 00
0431145499 08 02/01/99 0
S9805047 O 01/01/29
0
1858171 638/G01 F 288,000.00 ZZ
360 287,791.55 1
4901 CALLE MONTECILLO 7.625 2,038.45 68
7.375 2,038.45 425,000.00
1
AGOURA HILLS CA 91301 2 11/19/98 00
0431150028 05 01/01/99 0
08820920 O 12/01/28
0
1858175 K08/G01 F 76,300.00 ZZ
360 76,300.00 1
3303 MISTYWOOD DRIVE 7.375 526.99 70
7.125 526.99 109,000.00
MONROE NC 28110 2 12/16/98 00
0411113897 05 02/01/99 0
411113897 O 01/01/29
0
1858184 638/G01 F 306,000.00 ZZ
360 305,761.29 1
28641 BRECKENRIDGE DRIVE 7.250 2,087.46 75
7.000 2,087.46 410,000.00
LAGUNA NIGUEL CA 92677 2 11/24/98 00
0431149236 03 01/01/99 0
08821403 O 12/01/28
0
1858186 638/G01 F 99,500.00 ZZ
360 99,500.00 1
1887 SOUTH MEMPHIS STREET 7.500 695.72 80
7.250 695.72 125,000.00
AURORA CO 80017 2 12/02/98 00
0431149749 05 02/01/99 0
08823817 O 01/01/29
0
1858187 637/G01 F 448,100.00 ZZ
360 448,100.00 1
4204 CASTERSON COURT 7.000 2,981.22 60
6.750 2,981.22 750,000.00
PLEASANTON CA 94566 2 12/02/98 00
0431148899 05 02/01/99 0
0015127970 O 01/01/29
0
1858189 638/G01 F 287,100.00 ZZ
360 287,100.00 1
28175 WESTFIELD DRIVE 7.375 1,982.93 72
7.125 1,982.93 400,000.00
LAGUNA NIGUEL CA 92677 2 12/04/98 00
0431149772 05 02/01/99 0
08813296 O 01/01/29
0
1
1858193 964/G01 F 458,500.00 ZZ
360 458,500.00 1
386 RIDGEWOOD AVENUE 7.375 3,166.74 69
7.125 3,166.74 668,000.00
MILL VALLEY CA 94941 2 12/14/98 00
0431146869 05 02/01/99 0
47875 O 01/01/29
0
1858194 637/G01 F 324,800.00 ZZ
360 324,540.26 1
1613 KOCH LANE 7.125 2,188.24 80
6.875 2,188.24 406,000.00
SAN JOSE CA 95125 1 11/20/98 00
0431151349 05 01/01/99 0
0015121486 O 12/01/28
0
1858199 638/G01 F 243,200.00 ZZ
360 243,014.95 1
979 ASPEN VALLEY AVENUE 7.375 1,679.72 95
7.125 1,679.72 256,000.00
LAS VEGAS NV 89123 2 11/24/98 04
0431150192 03 01/01/99 30
08817088 O 12/01/28
0
1858201 964/G01 F 248,000.00 ZZ
360 248,000.00 1
268 CALLE DE LA SELVA 7.250 1,691.80 80
7.000 1,691.80 310,000.00
NOVATO CA 94949 1 12/09/98 00
0431146950 05 02/01/99 0
000 O 01/01/29
0
1858202 637/G01 F 244,000.00 ZZ
360 243,809.66 1
21736 PAUL AVENUE 7.250 1,664.51 76
7.000 1,664.51 325,000.00
TORRANCE CA 90503 2 11/23/98 00
0431148915 05 01/01/99 0
8753543 O 12/01/28
0
1858204 665/G01 F 305,000.00 ZZ
360 305,000.00 1
1
5292 CREEK ESTATES 7.250 2,080.64 72
7.000 2,080.64 425,000.00
SAN JOSE CA 95135 5 12/10/98 00
0431149475 05 02/01/99 0
9801225190 O 01/01/29
0
1858207 637/G01 F 323,950.00 ZZ
360 323,697.29 1
9946 WINDSOR WAY 7.250 2,209.91 90
7.000 2,209.91 359,950.00
SAN RAMON CA 94583 1 11/16/98 04
0431149004 05 01/01/99 30
0012555561 O 12/01/28
0
1858208 D03/G01 F 470,000.00 ZZ
360 470,000.00 1
1806 DORIS DRIVE 6.875 3,087.56 50
6.625 3,087.56 950,000.00
MENLO PARK CA 94025 5 12/08/98 00
0431152974 05 02/01/99 0
000 O 01/01/29
0
1858209 637/G01 F 456,000.00 ZZ
360 455,644.27 1
8156 HORSESHOE BEND LANE 7.250 3,110.73 80
7.000 3,110.73 570,000.00
LAS VEGAS NV 89113 2 11/24/98 00
0431145168 03 01/01/99 0
0013574629 O 12/01/28
0
1858213 964/G01 F 496,900.00 ZZ
360 496,900.00 1
131 MASSOL AVENUE 7.500 3,474.40 78
7.250 3,474.40 640,000.00
LOS GATOS CA 95030 2 12/10/98 00
0431148576 05 02/01/99 0
000 O 01/01/29
0
1858214 637/G01 F 272,000.00 ZZ
360 271,793.03 1
459 LA FONDA AVENUE 7.375 1,878.64 80
7.125 1,878.64 340,000.00
SANTA CRUZ CA 95065 1 11/18/98 00
0431148873 05 01/01/99 0
1
0010951275 O 12/01/28
0
1858217 E85/G01 F 299,200.00 ZZ
360 299,200.00 1
419 SANITARIUM ROAD 7.250 2,041.07 80
7.000 2,041.07 374,000.00
SAINT HELENA CA 94574 1 12/02/98 00
0431162122 05 02/01/99 0
9604171 O 01/01/29
0
1858219 637/G01 F 293,600.00 ZZ
360 293,365.21 1
1449 KOCH LANE 7.125 1,978.04 80
6.875 1,978.04 367,000.00
SAN JOSE CA 95125 1 11/23/98 00
0431148907 05 01/01/99 0
0010949394 O 12/01/28
0
1858222 637/G01 F 240,950.00 ZZ
360 240,779.94 1
2536 EAST LIBRA STREET 7.750 1,726.20 85
7.500 1,726.20 283,500.00
GILBERT AZ 85234 1 11/16/98 14
0431144997 03 01/01/99 12
0012666186 O 12/01/28
0
1858237 811/G01 F 296,000.00 ZZ
360 296,000.00 1
318 WINFIELD STREET 7.500 2,069.68 80
7.250 2,069.68 370,000.00
SAN FRANCISCO CA 94110 1 12/08/98 00
0431153006 05 02/01/99 0
2104557 O 01/01/29
0
1858247 814/G01 F 264,000.00 ZZ
360 264,000.00 1
2263 RIORDAN DRIVE 7.500 1,845.93 80
7.250 1,845.93 330,000.00
SAN JOSE CA 95130 1 12/11/98 00
0431149442 05 02/01/99 0
0001098599 O 01/01/29
0
1
1858259 638/G01 F 252,000.00 ZZ
360 252,000.00 1
15747 LIVE OAK ROAD 7.500 1,762.02 80
7.250 1,762.02 315,000.00
CHINO HILLS CA 91709 2 12/04/98 00
0431148923 05 02/01/99 0
08808805 O 01/01/29
0
1858264 638/G01 F 263,800.00 ZZ
360 263,800.00 1
1422 VALLEDA LANE 7.375 1,822.00 65
7.125 1,822.00 410,000.00
ENCINITAS CA 92024 2 12/02/98 00
0431150135 03 02/01/99 0
08811619 O 01/01/29
0
1858265 411/411 F 362,000.00 ZZ
360 362,000.00 1
231 WOBURN STREET 7.500 2,531.16 64
7.250 2,531.16 569,000.00
LEXINGTON MA 02420 1 12/09/98 00
20015002 05 02/01/99 0
20015002 O 01/01/29
0
1858267 638/G01 F 142,700.00 ZZ
360 142,700.00 1
6712 KIWI CIRCLE 7.375 985.59 68
7.125 985.59 210,000.00
CYPRESS CA 90630 2 12/02/98 00
0431150226 05 02/01/99 0
08820181 O 01/01/29
0
1858269 811/G01 F 239,800.00 ZZ
360 239,634.97 1
814 CLARKSTON DRIVE 7.875 1,738.72 80
7.625 1,738.72 299,843.00
SAN JOSE CA 95136 1 11/18/98 00
0431159862 05 01/01/99 0
2207538 O 12/01/28
0
1858271 638/G01 F 284,000.00 ZZ
360 283,783.90 1
18832 PINEHAVEN WAY 7.375 1,961.52 80
7.125 1,961.52 355,031.00
1
NORTHRIDGE AREA CA 91326 1 11/23/98 00
0431150069 03 01/01/99 0
08820868 O 12/01/28
0
1858275 J95/J95 F 390,000.00 ZZ
360 389,695.76 1
2524 ARLINGTON BOULEVARD 7.250 2,660.49 66
7.000 2,660.49 595,000.00
EL CERRITO CA 94530 5 11/03/98 00
0013467444 05 01/01/99 0
0013467444 O 12/01/28
0
1858277 J95/J95 F 535,000.00 ZZ
360 534,582.65 1
43480 VISTA DE MAR 7.250 3,649.64 74
7.000 3,649.64 725,000.00
FREMONT CA 94539 2 11/02/98 00
0013466073 03 01/01/99 0
0013466073 O 12/01/28
0
1858278 J95/J95 F 315,000.00 ZZ
360 314,741.80 1
15000 ZUNI STREET 7.000 2,095.70 90
6.750 2,095.70 350,000.00
BROOMFIELD CO 80020 1 11/19/98 04
0013066774 05 01/01/99 25
0013066774 O 12/01/28
0
1858279 J95/J95 F 500,000.00 ZZ
360 499,157.48 1
139 EVERGREEN DRIVE 6.875 3,284.64 79
6.625 3,284.64 640,000.00
EVERGREEN CO 80439 4 10/20/97 00
0012078200 05 12/01/98 0
0012078200 O 11/01/28
0
1858281 J95/J95 F 367,500.00 ZZ
360 367,213.31 1
1954 WINDWARD POINT 7.250 2,507.00 80
7.000 2,507.00 465,000.00
BYRON CA 94514 5 11/09/98 00
0013467295 03 01/01/99 0
0013467295 O 12/01/28
0
1
1858283 J95/J95 F 329,500.00 ZZ
360 328,971.43 1
1294 CAMINO RAMON 7.125 2,219.91 62
6.875 2,219.91 540,000.00
SAN JOSE CA 95125 5 10/28/98 00
0016298234 05 12/01/98 0
0016298234 O 11/01/28
0
1858286 830/830 F 238,900.00 ZZ
360 238,900.00 1
17168 BARNESTON STREET 7.375 1,650.02 75
7.125 1,650.02 320,000.00
GRANADA HILLS CA 91344 2 12/11/98 00
539557 05 02/01/99 0
539557 O 01/01/29
0
1858295 J95/J95 F 396,000.00 ZZ
360 395,667.31 3
2617 NORTH MILDRED 6.875 2,601.44 66
6.625 2,601.44 600,000.00
CHICAGO IL 60614 2 11/30/98 00
0016308041 05 01/01/99 0
0016308041 O 12/01/28
0
1858297 830/830 F 430,000.00 ZZ
360 430,000.00 1
615 HAO STREET 7.375 2,969.90 74
7.125 2,969.90 585,000.00
HONOLULU HI 96821 2 12/14/98 00
540391 05 02/01/99 0
540391 O 01/01/29
0
1858302 J95/J95 F 377,600.00 ZZ
360 377,274.89 1
2340 WOODBURY LANE 6.750 2,449.11 65
6.500 2,449.11 585,000.00
EVERGREEN CO 80439 2 11/05/98 00
0013503750 03 01/01/99 0
0013503750 O 12/01/28
0
1858318 665/G01 F 400,000.00 ZZ
360 400,000.00 1
1
200 ESTRELLA AVENUE 7.125 2,694.87 65
6.875 2,694.87 620,000.00
LA SELVA BEACH CA 95076 1 12/08/98 00
0431149343 05 02/01/99 0
9801227142 O 01/01/29
0
1858337 637/G01 F 92,000.00 ZZ
360 92,000.00 1
2747 MCGEE AVENUE 7.375 635.43 39
7.125 635.43 240,000.00
BERKELEY CA 94703 2 12/03/98 00
0431159219 05 02/01/99 0
0015114978 O 01/01/29
0
1858338 893/G01 F 250,000.00 ZZ
360 250,000.00 1
3609 FARM HILL BOULEVARD 7.000 1,663.26 43
6.750 1,663.26 595,000.00
REDWOOD CITY CA 94061 5 12/04/98 00
0431155142 05 02/01/99 0
98110406 O 01/01/29
0
1858342 356/G01 F 445,000.00 ZZ
360 445,000.00 1
740 GLENBOROUGH DRIVE 7.500 3,111.51 62
7.250 3,111.51 724,000.00
MOUNTAIN VIEW CA 94041 5 11/29/98 00
0431145812 05 02/01/99 0
2672582 O 01/01/29
0
1858360 685/G01 F 295,200.00 ZZ
360 295,200.00 1
11931 WEMBLEY ROAD 7.000 1,963.98 80
6.750 1,963.98 369,000.00
LOS ALAMITOS AR CA 90720 1 12/11/98 00
0431146919 05 02/01/99 0
116751 O 01/01/29
0
1858361 J95/J95 F 295,000.00 ZZ
360 294,791.79 1
682 MOONRIDGE CIRCLE 7.750 2,113.42 72
7.500 2,113.42 415,000.00
GRAND JUNCTION CO 81505 5 11/19/98 00
0013665443 05 01/01/99 0
1
0013665443 O 12/01/28
0
1858387 822/G01 F 295,000.00 ZZ
360 295,000.00 1
75 DALTON WAY 7.375 2,037.50 74
7.125 2,037.50 400,000.00
HOLLAND PA 18966 5 12/03/98 00
0431160126 05 02/01/99 0
0876059228 O 01/01/29
0
1858393 637/G01 F 209,600.00 ZZ
360 209,423.90 1
1445 KELLY PARK CIRCLE 6.875 1,376.93 80
6.625 1,376.93 262,000.00
MORGAN HILL CA 95037 1 11/19/98 00
0431154681 03 01/01/99 0
0010162162 O 12/01/28
0
1858397 665/G01 F 277,500.00 ZZ
360 277,500.00 1
22935 GUIDOTTI DRIVE 7.500 1,940.32 75
7.250 1,940.32 370,000.00
SALINAS CA 93900 5 12/01/98 00
0431148519 05 02/01/99 0
9801227022 O 01/01/29
0
1858402 637/G01 F 285,000.00 ZZ
360 284,772.09 1
3132 WHITE CEDAR PLACE 7.125 1,920.10 72
6.875 1,920.10 400,000.00
THOUSAND OAKS CA 91362 2 11/24/98 00
0431148261 03 01/01/99 0
8753592 O 12/01/28
0
1858403 665/G01 F 278,000.00 ZZ
360 278,000.00 1
915 MONTEREY CIRCLE 7.750 1,991.63 70
7.500 1,991.63 400,000.00
MONTEREY CA 93940 5 12/10/98 00
0431147891 05 02/01/99 0
9801227049 O 01/01/29
0
1
1858413 026/G01 F 376,000.00 ZZ
360 376,000.00 1
10 SUNSET CIRCLE 6.500 2,376.58 80
6.250 2,376.58 470,000.00
CHARLOTTESVILLE VA 22901 1 12/15/98 00
0431151802 03 02/01/99 0
02000998725 O 01/01/29
0
1858420 637/G01 F 400,000.00 ZZ
360 399,680.12 1
7614 NORTH CHARLES AVENUE 7.125 2,694.88 80
6.875 2,694.88 505,000.00
FRESNO CA 93711 1 11/17/98 00
0431150663 03 01/01/99 0
0013927652 O 12/01/28
0
1858423 026/G01 F 328,500.00 ZZ
360 328,500.00 1
109 ROCKBERRY TERRACE 6.750 2,130.65 90
6.500 2,130.65 365,200.00
SIMPSONVILLE SC 29681 1 12/17/98 10
0431161587 03 02/01/99 25
0200507923 O 01/01/29
0
1858425 637/G01 F 376,000.00 ZZ
360 375,699.31 1
26726 SHADOW WOOD DRIVE 7.125 2,533.19 80
6.875 2,533.19 470,000.00
RANCHO PALOS VE CA 90275 1 11/19/98 00
0431152800 05 01/01/99 0
8753733 O 12/01/28
0
1858431 975/G01 F 553,000.00 ZZ
360 553,000.00 1
7 MISTY ACRES ROAD 7.250 3,772.43 69
7.000 3,772.43 805,000.00
ROLLING HILLS E CA 90274 2 12/04/98 00
0431165398 05 02/01/99 0
982723 O 01/01/29
0
1858451 L84/G01 F 324,000.00 ZZ
360 324,000.00 1
2070 WEST MOUNTAIN STREET 7.375 2,237.79 70
7.125 2,237.79 465,000.00
1
GLENDALE CA 91201 5 12/14/98 00
0431149483 05 02/01/99 0
98354 O 01/01/29
0
1858455 E82/G01 F 483,000.00 ZZ
360 483,000.00 1
9 CENTRAL DRIVE 7.250 3,294.91 49
7.000 3,294.91 1,000,000.00
KINGS POINT NY 11024 2 12/22/98 00
0400168159 05 02/01/99 0
1463328 O 01/01/29
0
1858471 K08/G01 F 182,700.00 ZZ
360 182,700.00 1
2214 ORANGE GROVE PLACE 7.125 1,230.88 70
6.875 1,230.88 261,019.00
ESCONDIDO CA 92027 1 12/11/98 00
0411084239 03 02/01/99 0
411084239 O 01/01/29
0
1858473 K08/G01 F 432,000.00 ZZ
360 432,000.00 1
11 COACH ROAD 7.500 3,020.61 80
7.250 3,020.61 540,000.00
RANCHO PALOS VE CA 90275 1 12/15/98 00
0411194913 05 02/01/99 0
411194913 O 01/01/29
0
1858477 K08/G01 F 300,000.00 ZZ
360 300,000.00 1
35621 BEAUTIVISTA LANE 7.250 2,046.53 80
7.000 2,046.53 375,000.00
AGUA DULCE AREA CA 91350 2 12/06/98 00
0411110638 05 02/01/99 0
411110638 O 01/01/29
0
1858498 K08/G01 F 72,500.00 ZZ
360 72,500.00 1
121 BANJO SULLIVAN ROAD 7.375 500.74 54
7.125 500.74 135,000.00
GRISWOLD CT 06351 5 12/17/98 00
0411183866 05 02/01/99 0
411183866 O 01/01/29
0
1
1858499 K08/G01 F 240,000.00 ZZ
360 240,000.00 1
12 PATRIOT ROAD 6.875 1,576.63 52
6.625 1,576.63 469,992.00
PEAPACK & GLADS NJ 07977 5 12/17/98 00
0411191661 05 02/01/99 0
411191661 O 01/01/29
0
1858501 K08/G01 F 173,000.00 ZZ
360 173,000.00 1
717 MILWOOD AVENUE 8.125 1,284.52 65
7.875 1,284.52 270,000.00
LOS ANGELES CA 90291 5 12/10/98 00
0411139538 05 02/01/99 0
411139538 O 01/01/29
0
1858502 964/G01 F 367,000.00 ZZ
360 367,000.00 1
24 FIR AVENUE 7.250 2,503.59 64
7.000 2,503.59 575,000.00
SAN GERONIMO CA 94963 2 12/17/98 00
0431146851 05 02/01/99 0
44880 O 01/01/29
0
1858522 K08/G01 F 375,000.00 ZZ
360 375,000.00 1
1546 MADRONA DRIVE 7.375 2,590.03 75
7.125 2,590.03 500,000.00
SEATTLE WA 98122 5 12/14/98 00
0411192412 05 02/01/99 0
411192412 O 01/01/29
0
1858537 J95/J95 F 266,900.00 ZZ
360 265,631.71 1
32 LAURELWOOD DRIVE 7.250 1,820.73 75
7.000 1,820.73 355,900.00
WALLINGFORD CT 06492 1 07/02/98 00
0016045189 05 08/01/98 0
0016045189 O 07/01/28
0
1858539 731/G01 F 479,000.00 ZZ
360 479,000.00 1
1
2653 NORTH HOLLISTON AVENUE 7.250 3,267.62 71
7.000 3,267.62 675,000.00
LOS ANGELES CA 91001 2 12/04/98 00
0431165414 05 02/01/99 0
1001733 O 01/01/29
0
1858555 420/G01 F 171,000.00 ZZ
360 170,873.09 1
11 ADAK COURT 7.500 1,195.66 72
7.250 1,195.66 240,000.00
WALNUT CREEK CA 94596 2 11/18/98 00
0431149905 05 01/01/99 0
399451 O 12/01/28
0
1858561 M29/G01 F 315,000.00 ZZ
360 315,000.00 1
4120 SAINT LUCIA STREET 7.625 2,229.56 79
7.375 2,229.56 400,000.00
BOULDER CO 80301 2 12/15/98 00
0431148790 05 02/01/99 0
0000 O 01/01/29
0
1858566 K08/G01 F 1,000,000.00 ZZ
360 1,000,000.00 1
43551 HIGHWAY 82 7.375 6,906.75 42
7.125 6,906.75 2,400,000.00
ASPEN CO 81611 2 12/14/98 00
0411127127 05 02/01/99 0
411127137 O 01/01/29
0
1858580 K08/G01 F 203,000.00 ZZ
360 203,000.00 1
4576 ECHO LANE 7.625 1,436.82 80
7.375 1,436.82 254,500.00
STACY MN 55079 2 12/14/98 00
0411156672 05 02/01/99 0
411156672 O 01/01/29
0
1858594 638/G01 F 263,000.00 ZZ
360 262,789.68 1
730 POPES VALLEY DRIVE 7.125 1,771.88 79
6.875 1,771.88 336,000.00
COLORADO SPRING CO 80918 2 11/20/98 00
0431152925 03 01/01/99 0
1
8810961 O 12/01/28
0
1858599 638/G01 F 307,000.00 ZZ
360 307,000.00 1
1042 EAST 220 NORTH 7.000 2,042.48 78
6.750 2,042.48 395,000.00
AMERICAN FORK UT 84003 2 12/01/98 00
0431150267 05 02/01/99 0
8814465 O 01/01/29
0
1858602 638/G01 F 245,000.00 ZZ
360 245,000.00 1
2680 NORTE VISTA DRIVE 7.125 1,650.61 80
6.875 1,650.61 310,000.00
CHINO HILLS CA 91709 2 12/01/98 00
0431153667 05 02/01/99 0
8822251 O 01/01/29
0
1858605 638/G01 F 440,000.00 ZZ
360 439,656.75 1
206 TERRAMAR 7.250 3,001.58 80
7.000 3,001.58 550,000.00
SAN CLEMENTE CA 92673 5 11/30/98 00
0431150390 01 01/01/99 0
8817620 O 12/01/28
0
1858613 E82/G01 F 500,000.00 ZZ
360 500,000.00 1
15601 CAMINO DEL CERRO 6.875 3,284.64 69
6.625 3,284.64 728,000.00
LOS GATOS CA 95032 5 12/15/98 00
0400166062 05 02/01/99 0
0400166062 O 01/01/29
0
1858615 638/G01 F 264,000.00 ZZ
360 263,788.88 1
860 SABETA DRIVE 7.125 1,778.62 80
6.875 1,778.62 330,000.00
RIDGWAY CO 81432 1 12/04/98 00
0431150671 05 01/01/99 0
8830480 O 12/01/28
0
1
1858617 638/G01 F 264,400.00 ZZ
360 264,400.00 1
2523 SKYLANE DRIVE 7.250 1,803.67 67
7.000 1,803.67 400,000.00
NAPERVILLE IL 60564 1 12/11/98 00
0431150176 05 02/01/99 0
8800087 O 01/01/29
0
1858620 638/G01 F 286,350.00 ZZ
360 286,350.00 1
1316 EUROPEAN DRIVE 7.000 1,905.09 80
6.750 1,905.09 357,978.00
HENDERSON NV 89012 1 12/15/98 00
0431152305 03 02/01/99 0
8740211 O 01/01/29
0
1858624 638/G01 F 384,500.00 ZZ
360 384,192.52 1
2830 MCANDREW COURT 7.125 2,590.45 91
6.875 2,590.45 423,522.00
SAN JOSE CA 95121 1 11/20/98 10
0431152941 05 01/01/99 25
8814892 O 12/01/28
0
1858625 M01/G01 F 294,500.00 ZZ
360 294,500.00 1
370 HEARTHSTONE LANE 7.250 2,009.01 80
7.000 2,009.01 368,158.00
COPPELL TX 75019 1 12/18/98 04
0431151737 03 02/01/99 25
0000 O 01/01/29
0
1858627 638/G01 F 349,550.00 ZZ
360 349,550.00 1
964 NORTH ANTONIO CIRCLE 7.000 2,325.56 70
6.750 2,325.56 499,400.00
ORANGE CA 92869 1 12/02/98 00
0431151091 05 02/01/99 0
8807070 O 01/01/29
0
1858632 638/G01 F 279,000.00 ZZ
360 278,776.89 1
6365 BLACK SWAN LANE 7.125 1,879.67 90
6.875 1,879.67 310,000.00
1
LAS VEGAS NV 89118 1 11/13/98 04
0431150358 03 01/01/99 25
8815290 O 12/01/28
0
1858636 638/G01 F 232,000.00 ZZ
360 231,814.47 1
2516 DAVIS PLACE 7.125 1,563.03 80
6.875 1,563.03 290,000.00
COSTA MESA CA 92627 2 11/30/98 00
0431149954 05 01/01/99 0
8817010 O 12/01/28
0
1858639 638/G01 F 178,000.00 ZZ
360 177,861.15 1
131 LA MIRADA DRIVE 7.250 1,214.27 94
7.000 1,214.27 190,000.00
HENDERSON NV 89015 2 11/19/98 04
0431154624 05 01/01/99 30
8826584 O 12/01/28
0
1858642 638/G01 F 283,000.00 ZZ
360 283,000.00 1
16228 RANCHO VIEJO COURT 7.250 1,930.56 80
7.000 1,930.56 354,000.00
TRACY CA 95376 5 12/01/98 00
0431151711 05 02/01/99 0
8827217 O 01/01/29
0
1858643 356/G01 F 320,100.00 ZZ
360 320,100.00 1
40550 ENCANTO WAY 7.500 2,238.19 75
7.250 2,238.19 430,000.00
FREMONT CA 94539 5 12/02/98 00
0431148725 03 02/01/99 0
2693562 O 01/01/29
0
1858645 685/G01 F 315,550.00 ZZ
360 315,550.00 1
1244 LAUREL FIG DRIVE 7.250 2,152.61 80
7.000 2,152.61 394,440.00
SIMI VALLEY CA 93065 1 12/17/98 00
0431149327 05 02/01/99 0
116064 O 01/01/29
0
1
1858647 638/G01 F 400,000.00 ZZ
360 400,000.00 1
11105 STROUP ROAD 7.125 2,694.87 40
6.875 2,694.87 1,000,000.00
ROSWELL GA 30075 5 12/02/98 00
0431153162 05 02/01/99 0
8802100 O 01/01/29
0
1858648 638/G01 F 109,000.00 ZZ
360 109,000.00 1
11511 AUTUMN RIDGE DRIVE 7.750 780.89 74
7.500 780.89 149,000.00
AUSTIN TX 78759 1 12/04/98 00
0431151810 05 02/01/99 0
8826045 O 01/01/29
0
1858656 638/G01 F 275,000.00 ZZ
360 274,780.08 1
2103 PAYTON CIRCLE 7.125 1,852.73 67
6.875 1,852.73 415,000.00
COLORADO SPRING CO 80915 5 11/20/98 00
0431154236 05 01/01/99 0
8825738 O 12/01/28
0
1858657 637/G01 F 314,000.00 ZZ
360 313,755.04 1
2254 SILVER BLOSSOM COURT 7.250 2,142.04 80
7.000 2,142.04 392,500.00
SAN JOSE CA 95138 1 11/23/98 00
0431148808 01 01/01/99 0
0015120959 O 12/01/28
0
1858660 K08/G01 F 315,000.00 ZZ
360 315,000.00 1
28921 WELLINGTON 7.625 2,229.55 75
7.375 2,229.55 422,000.00
FARMINGTON HILL MI 48334 5 12/14/98 00
0411191182 05 02/01/99 0
411191182 O 01/01/29
0
1858661 638/G01 F 280,000.00 ZZ
360 280,000.00 1
1
8412 BEVERLY DRIVE 7.250 1,910.09 80
7.000 1,910.09 350,000.00
SAN GABRIEL ARE CA 91775 2 12/08/98 00
0431150036 05 02/01/99 0
8831215 O 01/01/29
0
1858664 638/G01 F 128,000.00 ZZ
360 127,907.35 1
4 ESTERLY FARMS ROAD 7.625 905.98 80
7.375 905.98 160,000.00
MADISON CT 06443 1 12/03/98 00
0431151836 01 01/01/99 0
8830355 O 12/01/28
0
1858665 637/G01 F 240,000.00 ZZ
360 239,812.77 1
8622 ORANGEWOOD AVENUE 7.250 1,637.23 75
7.000 1,637.23 320,000.00
GARDEN GROVE CA 92841 2 11/23/98 00
0431146778 05 01/01/99 0
4305496 O 12/01/28
0
1858667 638/G01 F 442,200.00 ZZ
360 442,200.00 1
3453 CORTE CURVA 7.000 2,941.97 80
6.750 2,941.97 552,889.00
CARLSBAD CA 92009 1 12/07/98 00
0431155027 03 02/01/99 0
8830271 O 01/01/29
0
1858671 638/G01 F 388,000.00 ZZ
360 388,000.00 1
63 ANTELOPE COURT 7.250 2,646.84 80
7.000 2,646.84 485,000.00
CLAYTON CA 94517 5 12/04/98 00
0431150002 05 02/01/99 0
8831823 O 01/01/29
0
1858672 637/G01 F 360,000.00 ZZ
360 360,000.00 1
4043 EAST FOX STREET 7.000 2,395.09 90
6.750 2,395.09 400,000.00
MESA AZ 85205 1 12/02/98 10
0431154426 03 02/01/99 25
1
8447955 O 01/01/29
0
1858673 E87/G01 F 250,950.00 ZZ
360 250,950.00 1
294 SALISBURY AVENUE 7.000 1,669.58 80
6.750 1,669.58 313,700.00
GOLETA CA 93117 1 12/14/98 00
0431147842 05 02/01/99 0
70001944 O 01/01/29
0
1858675 638/G01 F 300,000.00 ZZ
360 300,000.00 1
4381 ARISTA STREET 7.000 1,995.91 69
6.750 1,995.91 435,000.00
SAN DIEGO CA 92103 1 12/16/98 00
0431149871 05 02/01/99 0
8832927 O 01/01/29
0
1858687 685/G01 F 390,000.00 ZZ
360 390,000.00 1
404 20TH STREET 7.500 2,726.94 64
7.250 2,726.94 615,000.00
MANHATTAN BEACH CA 90266 5 12/09/98 00
0431148683 05 02/01/99 0
116400 O 01/01/29
0
1858691 685/G01 F 333,000.00 ZZ
360 333,000.00 1
21822 SEASIDE LANE 7.625 2,356.96 90
7.375 2,356.96 370,000.00
HUNTINGTON BEAC CA 92646 2 12/15/98 01
0431159441 05 02/01/99 25
116691 O 01/01/29
0
1858694 685/G01 F 332,500.00 ZZ
360 332,500.00 1
3470 PINNACLE DRIVE 7.000 2,212.14 70
6.750 2,212.14 475,000.00
SAN JOSE CA 95132 5 12/14/98 00
0431158369 05 02/01/99 0
116766 O 01/01/29
0
1
1858696 638/G01 F 277,600.00 ZZ
360 277,600.00 1
1864 LAS LANAS LANE 7.125 1,870.24 80
6.875 1,870.24 347,000.00
FULLERTON CA 92833 1 12/11/98 00
0431149830 05 02/01/99 0
8835011 O 01/01/29
0
1858700 G97/G01 F 271,200.00 ZZ
360 271,200.00 1
1997 BELLEVUE WAY SE 7.125 1,827.12 80
6.875 1,827.12 339,000.00
BELLEVUE WA 98004 1 12/15/98 00
0431158278 05 02/01/99 0
17484 O 01/01/29
0
1858703 811/G01 F 280,000.00 ZZ
360 280,000.00 1
3199 MERCED COURT 7.000 1,862.85 80
6.750 1,862.85 350,000.00
SANTA CLARA CA 95051 1 12/10/98 00
0431158948 05 02/01/99 0
2208245 O 01/01/29
0
1858711 E82/G01 F 340,000.00 ZZ
360 340,000.00 1
2 CORDERO 6.875 2,233.56 80
6.625 2,233.56 425,000.00
IRVINE CA 92614 2 12/21/98 00
0400149399 03 02/01/99 0
400149399 O 01/01/29
0
1858726 E82/G01 F 280,000.00 ZZ
360 280,000.00 1
2424 BIG WOODS 7.125 1,886.41 90
6.875 1,886.41 312,000.00
BATAVIA IL 60510 2 12/22/98 04
0400159315 05 02/01/99 25
400159315 O 01/01/29
0
1858728 K08/G01 F 232,300.00 ZZ
360 232,300.00 1
25531 FOGGY GLEN DRIVE 7.375 1,604.44 70
7.125 1,604.44 331,906.00
1
CASTRO VALLEY CA 94552 1 12/14/98 00
0411187776 03 02/01/99 0
411187776 O 01/01/29
0
1858736 420/G01 F 274,000.00 ZZ
360 273,769.80 1
3264 COMPTON AVENUE 6.875 1,799.99 77
6.625 1,799.99 358,000.00
LAKEPORT CA 95453 2 11/19/98 00
0431146190 05 01/01/99 0
397273 O 12/01/28
0
1858737 K08/G01 F 851,000.00 ZZ
360 851,000.00 1
274 BENCHMARK DRIVE 7.625 6,023.32 61
7.375 6,023.32 1,400,000.00
TELLURIDE CO 81435 2 12/11/98 00
0411104177 03 02/01/99 0
411104177 O 01/01/29
0
1858744 K08/G01 F 245,000.00 ZZ
360 245,000.00 1
6261 SURFBOARD CIRCLE 7.125 1,650.61 62
6.875 1,650.61 400,000.00
HUNTINGTON BEAC CA 92648 2 12/15/98 00
0411178676 09 02/01/99 0
411178676 O 01/01/29
0
1858746 420/G01 F 260,000.00 ZZ
360 259,781.56 1
224 COLGATE AVENUE 6.875 1,708.02 64
6.625 1,708.02 410,000.00
KENSINGTON CA 94706 5 11/23/98 00
0431146273 05 01/01/99 0
393124 O 12/01/28
0
1858747 K08/G01 F 111,200.00 ZZ
360 111,200.00 1
13021 SHENANDOAH DRIVE 7.625 787.07 70
7.375 787.07 159,000.00
LAKESIDE CA 92040 1 12/15/98 00
0411187941 05 02/01/99 0
411187941 O 01/01/29
0
1
1858748 K08/G01 F 263,100.00 ZZ
360 263,100.00 1
150 PARKSIDE DRIVE 7.500 1,839.63 80
7.250 1,839.63 328,968.00
SIMI VALLEY CA 93065 1 12/17/98 00
0411191919 03 02/01/99 0
411191919 O 01/01/29
0
1858753 638/G01 F 329,000.00 ZZ
360 328,767.79 1
12 WREN DRIVE 7.750 2,357.00 74
7.500 2,357.00 450,000.00
WOODBURY NY 17197 2 11/19/98 00
0431148709 05 01/01/99 0
8819170 O 12/01/28
0
1858757 K08/G01 F 148,750.00 ZZ
360 148,750.00 1
329 GRANDVIEW DRIVE 7.500 1,040.08 70
7.250 1,040.08 212,500.00
MARBLE FALLS TX 78654 1 12/22/98 00
0411207525 05 02/01/99 0
411207525 O 01/01/29
0
1858762 638/G01 F 265,500.00 ZZ
360 265,500.00 1
13396 WEST CYPRESS STREET 7.125 1,788.72 85
6.875 1,788.72 315,000.00
GOODYEAR AZ 85338 2 12/10/98 10
0431151299 03 02/01/99 12
8831655 O 01/01/29
0
1858771 K08/G01 F 134,400.00 ZZ
360 134,400.00 1
1048 ARCHER PLACE 7.625 951.27 70
7.375 951.27 192,000.00
HEMPSTEAD NY 11510 2 12/17/98 00
0411186729 05 02/01/99 0
411186729 O 01/01/29
0
1858772 E82/G01 F 330,000.00 ZZ
360 330,000.00 1
1
54 DOCKSIDE CIRCLE 7.250 2,251.18 57
7.000 2,251.18 585,000.00
REDWOOD CIRCLE CA 94065 2 12/16/98 00
0400166682 03 02/01/99 0
1707185 O 01/01/29
0
1858778 E82/G01 F 329,000.00 ZZ
360 329,000.00 1
7704 EDEN ROC WAY 7.500 2,300.42 89
7.250 2,300.42 370,000.00
BALTIMORE MD 21208 2 12/22/98 04
0400166708 05 02/01/99 25
1659686 O 01/01/29
0
1858784 K08/G01 F 191,750.00 ZZ
360 191,750.00 1
6131 WEST CROSS DRIVE 7.250 1,308.07 70
7.000 1,308.07 274,035.00
LITTLETON CO 80123 1 12/22/98 00
0410977748 03 02/01/99 0
410977748 O 01/01/29
0
1858786 K08/G01 F 111,500.00 ZZ
360 111,500.00 1
2528 MEDINAH DRIVE 6.875 732.48 34
6.625 732.48 335,000.00
EVERGREEN CO 80439 2 12/17/98 00
0411019615 03 02/01/99 0
411019615 O 01/01/29
0
1858788 K08/G01 F 123,200.00 ZZ
360 123,200.00 1
9800 CITY VIEW DRIVE 7.000 819.65 65
6.750 819.65 190,000.00
MORRISON CO 80465 5 12/17/98 00
0411186752 05 02/01/99 0
411186752 O 01/01/29
0
1858790 K08/G01 F 257,600.00 ZZ
360 257,600.00 1
632 SOUTH MITCHELL AVENUE 7.500 1,801.18 80
7.250 1,801.18 322,000.00
ELMHURST IL 60126 2 12/17/98 00
0411093263 05 02/01/99 0
1
411093263 O 01/01/29
0
1858791 K08/G01 F 89,400.00 ZZ
360 89,400.00 1
2053 221ST AVENUE N E 7.375 617.46 59
7.125 617.46 153,000.00
CEDAR MN 55011 2 12/17/98 00
0411130420 05 02/01/99 0
411130420 O 01/01/29
0
1858802 E82/G01 F 361,800.00 ZZ
360 361,800.00 1
676 WEST MEADOW ROAD 7.125 2,437.51 78
6.875 2,437.51 465,000.00
EVERGREEN CO 80439 2 12/21/98 00
0400168704 05 02/01/99 0
1584602 O 01/01/29
0
1858813 E82/G01 F 432,500.00 ZZ
360 432,500.00 1
161 EAST CHICAGO AVE #40F 7.500 3,024.10 79
7.250 3,024.10 550,000.00
CHICAGO IL 60611 2 12/18/98 00
0400164455 06 02/01/99 0
1596302 O 01/01/29
0
1858842 665/G01 F 258,000.00 ZZ
360 258,000.00 1
2117 ASENATH COURT 7.125 1,738.19 70
6.875 1,738.19 371,500.00
WALNUT CREEK CA 94598 2 12/01/98 00
0431162007 05 02/01/99 0
9801227079 O 01/01/29
0
1858843 076/076 F 326,000.00 ZZ
360 325,437.06 1
4317 WOODWICK COURT 6.750 2,114.43 75
6.500 2,114.43 435,000.00
FORT WORTH TX 76109 1 10/20/98 00
7411491 05 12/01/98 0
7411491 O 11/01/28
0
1
1858863 624/G01 F 290,700.00 ZZ
360 290,700.00 1
233 VERA AVE 7.500 2,032.62 90
7.250 2,032.62 323,500.00
REDWOOD CITY CA 94061 1 12/16/98 11
0431150507 05 02/01/99 25
87500181176 O 01/01/29
0
1858878 K08/G01 F 366,000.00 ZZ
360 366,000.00 1
8420 SOUTHEAST 83RD STREET 7.000 2,435.01 61
6.750 2,435.01 600,000.00
MERCER ISLAND WA 98040 2 12/11/98 00
0411174980 05 02/01/99 0
411174980 O 01/01/29
0
1858915 076/076 F 351,200.00 ZZ
360 350,964.35 1
8317 SEASHORE DRIVE 8.000 2,576.98 80
7.750 2,576.98 440,000.00
CORPUS CHRISTI TX 78412 1 11/01/98 00
7417051 05 01/01/99 0
7417051 O 12/01/28
0
1858952 J95/J95 F 375,000.00 ZZ
360 374,660.99 1
77 CHARLESTON LANE 6.500 2,370.26 75
6.250 2,370.26 500,000.00
COTO DE CAZA CA 92679 5 11/16/98 00
0013550926 03 01/01/99 0
0013550926 O 12/01/28
0
1858953 E82/G01 F 152,500.00 ZZ
360 152,500.00 1
50 KENSINGTON COURT 7.375 1,053.28 68
7.125 1,053.28 225,000.00
SOUTH KINGSTOWN RI 02879 2 12/18/98 00
0400164000 05 02/01/99 0
0400164000 O 01/01/29
0
1858959 M29/G01 F 273,000.00 ZZ
360 273,000.00 1
6031 HAPPY CANYON DRIVE 7.250 1,862.35 63
7.000 1,862.35 435,000.00
1
ENGLEWOOD CO 80111 2 12/22/98 00
0431164177 05 02/01/99 0
0326437 O 01/01/29
0
1858964 J95/J95 F 524,000.00 ZZ
360 523,591.23 1
105 CHARLES HILL COURT 7.250 3,574.60 63
7.000 3,574.60 840,000.00
SCOTTS VALLEY CA 95066 2 11/02/98 00
13466560 05 01/01/99 0
13466560 O 12/01/28
0
1858971 893/G01 F 360,000.00 ZZ
360 360,000.00 1
443 CHESAPEAKE AVENUE 7.375 2,486.44 80
7.125 2,486.44 455,000.00
FOSTER CITY CA 94404 2 12/09/98 00
0431148691 05 02/01/99 0
M9811L0360 O 01/01/29
0
1858979 E82/G01 F 517,600.00 ZZ
360 517,600.00 1
641 25TH STREET 7.250 3,530.94 80
7.000 3,530.94 650,000.00
HERMOSA BEACH CA 90254 2 12/23/98 00
0400166815 05 02/01/99 0
1610474 O 01/01/29
0
1858982 E82/G01 F 343,800.00 ZZ
360 343,800.00 1
2707 LAKEVIEW DRIVE SOUTH 6.875 2,258.52 80
6.625 2,258.52 431,000.00
SHAKOPEE MN 55379 2 12/18/98 00
0400169736 05 02/01/99 0
1638555 O 01/01/29
0
1858985 696/G01 F 600,000.00 ZZ
360 598,988.97 1
655 POTOMAC RIVER ROAD 6.875 3,941.57 75
6.625 3,941.57 800,000.00
MCLEAN VA 22102 1 10/30/98 00
0431147099 03 12/01/98 0
2328219 O 11/01/28
0
1
1858987 696/G01 F 340,000.00 ZZ
360 340,000.00 1
2125 SOUTH LYNN STREET 6.750 2,205.23 80
6.500 2,205.23 425,000.00
ARLINGTON VA 22202 1 12/18/98 00
0431147198 05 02/01/99 0
2148091 O 01/01/29
0
1858988 K08/G01 F 280,000.00 ZZ
360 280,000.00 1
14 RATHBONE PLACE 7.500 1,957.80 67
7.250 1,957.80 420,000.00
GROSSE POINTE MI 48230 5 12/18/98 00
0411186018 05 02/01/99 0
411186018 O 01/01/29
0
1859017 K08/G01 F 263,700.00 ZZ
360 263,700.00 1
1083 CHLOE COURT 7.250 1,798.90 68
7.000 1,798.90 392,000.00
CONCORD CA 94518 2 12/14/98 00
0411188758 05 02/01/99 0
411188758 O 01/01/29
0
1859019 K08/G01 F 469,000.00 ZZ
360 469,000.00 1
622 LAGUNA ROAD 7.125 3,159.74 77
6.875 3,159.74 610,000.00
MILL VALLEY CA 94941 2 12/17/98 00
0411175383 05 02/01/99 0
411175383 O 01/01/29
0
1859020 K08/G01 F 446,260.00 ZZ
360 446,260.00 1
11478 HUNTINGTON VILLAGE 7.250 3,044.28 80
7.000 3,044.28 557,825.00
GOLD RIVER CA 95670 1 12/21/98 00
0411212715 03 02/01/99 0
411212715 O 01/01/29
0
1859026 K08/G01 F 80,000.00 ZZ
360 80,000.00 1
1
55A RAINBOW'S END 7.500 559.37 42
7.250 559.37 193,000.00
SANTA FE NM 87505 5 12/11/98 00
0411158926 05 02/01/99 0
411158926 O 01/01/29
0
1859033 K08/G01 F 37,000.00 ZZ
360 37,000.00 1
8701 HURON STREET BLDG. 8 7.000 246.16 60
UNIT # 209 6.750 246.16 62,000.00
THORNTON CO 80221 5 12/16/98 00
0411181225 01 02/01/99 0
411181225 O 01/01/29
0
1859034 822/G01 F 394,000.00 ZZ
360 393,692.64 1
8 HIDDEN POND DRIVE 7.250 2,687.78 75
7.000 2,687.78 527,000.00
READING PA 19607 2 11/24/98 00
0431158443 05 01/01/99 0
0176293386 O 12/01/28
0
1859067 E82/G01 F 432,400.00 ZZ
360 432,400.00 1
540 FANITA WAY 7.125 2,913.16 40
6.875 2,913.16 1,100,000.00
MENLO PARK CA 94025 2 12/23/98 00
0400166823 05 02/01/99 0
1638274 O 01/01/29
0
1859077 685/G01 F 97,600.00 ZZ
360 97,600.00 1
1383 LIPAN DRIVE 7.375 674.10 80
7.125 674.10 122,000.00
DENVER CO 80221 2 12/11/98 00
0431152917 05 02/01/99 0
116741 O 01/01/29
0
1859083 B38/G01 F 650,000.00 ZZ
360 650,000.00 1
FAIRCHILD LANE 7.000 4,324.47 67
6.750 4,324.47 975,000.00
HARDING TWSP NJ 07976 2 12/15/98 00
0431149970 05 02/01/99 0
1
637557 O 01/01/29
0
1859093 638/G01 F 292,000.00 ZZ
360 292,000.00 1
670 23RD AVENUE 7.000 1,942.68 80
6.750 1,942.68 365,000.00
SAN FRANCISCO CA 94121 1 12/14/98 00
0431158963 05 02/01/99 0
8830577 O 01/01/29
0
1859097 638/G01 F 308,000.00 ZZ
360 308,000.00 1
1781 ACACIA COURT 7.000 2,049.13 64
6.750 2,049.13 485,000.00
FREMONT CA 94536 2 12/11/98 00
0431152701 05 02/01/99 0
8822966 O 01/01/29
0
1859099 638/G01 F 480,000.00 ZZ
360 480,000.00 1
1989 ALTAIR AVENUE 7.250 3,274.45 80
7.000 3,274.45 600,000.00
LIVERMORE CA 94550 5 12/15/98 00
0431152586 05 02/01/99 0
8787173 O 01/01/29
0
1859102 026/G01 F 357,000.00 ZZ
360 357,000.00 1
6662 GORDONSVILLE ROAD 7.250 2,435.37 38
7.000 2,435.37 950,000.00
KESWICK VA 22947 2 12/15/98 00
0431152057 05 02/01/99 0
200100351 O 01/01/29
0
1859103 638/G01 F 389,000.00 ZZ
360 389,000.00 1
747 NORTH 163RD AVENUE 6.875 2,555.45 78
6.625 2,555.45 500,000.00
OMAHA NE 68118 5 12/14/98 00
0431151976 05 02/01/99 0
8760765 O 01/01/29
0
1
1859106 638/G01 F 284,000.00 ZZ
360 283,767.21 1
345 CONTRA COSTA AVENUE 7.000 1,889.46 79
6.750 1,889.46 360,000.00
VENTURA CA 93004 2 11/24/98 00
0431152677 05 01/01/99 0
8808499 O 12/01/28
0
1859110 638/G01 F 445,000.00 ZZ
360 444,644.14 1
15 RIDGE ROAD 7.125 2,998.05 80
6.875 2,998.05 563,000.00
NORFOLK MA 02056 2 11/30/98 00
0431152545 05 01/01/99 0
8802655 O 12/01/28
0
1859114 638/G01 F 290,000.00 ZZ
360 290,000.00 1
13335 ARNOLD DRIVE 7.000 1,929.38 57
6.750 1,929.38 510,000.00
GLEN ELLEN CA 95442 5 12/04/98 00
0431152537 05 02/01/99 0
8810437 O 01/01/29
0
1859135 K08/G01 F 72,000.00 ZZ
360 72,000.00 1
2811 SW 16 STREET 7.625 509.61 57
7.375 509.61 127,000.00
MIAMI FL 33145 5 12/15/98 00
0411191851 05 02/01/99 0
411191851 O 01/01/29
0
1859140 F62/G01 F 59,375.00 ZZ
360 59,375.00 1
947 LENOX AVENUE UNIT 302 7.500 415.16 95
7.250 415.16 62,500.00
MIAMI BEACH FL 33139 1 12/04/98 04
0431162189 08 02/01/99 30
0000 O 01/01/29
0
1859142 822/G01 F 600,000.00 ZZ
360 600,000.00 1
702 PINE STREET 7.625 4,246.77 80
7.375 4,246.77 750,000.00
1
PHILADELPHIA PA 19106 1 12/21/98 00
0431151794 07 02/01/99 0
3626015480 O 01/01/29
0
1859162 638/G01 F 180,000.00 ZZ
360 180,000.00 1
3 LEXINGTON COURT 7.500 1,258.59 80
7.250 1,258.59 225,000.00
WEST WINDSOR NJ 08550 1 12/18/98 00
0431152743 05 02/01/99 0
8825035 O 01/01/29
0
1859163 G52/G01 F 399,000.00 ZZ
360 399,000.00 1
105-E KAWANANAKOA PLACE 7.125 2,688.14 75
6.875 2,688.14 535,000.00
HONOLULU HI 96817 2 12/15/98 00
0431151042 05 02/01/99 0
92500000 O 01/01/29
0
1859164 638/G01 F 261,500.00 ZZ
360 261,500.00 1
1691 WILLOW CREEK DRIVE 6.625 1,674.41 48
6.375 1,674.41 550,000.00
SAN JOSE CA 95124 2 12/11/98 00
0431152487 05 02/01/99 0
8811164 O 01/01/29
0
1859170 638/G01 F 259,750.00 ZZ
360 259,750.00 1
157 COSTELLO COURT 6.750 1,684.73 80
6.500 1,684.73 324,711.00
FOLSOM CA 95630 1 12/07/98 00
0431151869 05 02/01/99 0
8816737 O 01/01/29
0
1859173 638/G01 F 344,000.00 ZZ
360 343,710.99 1
701 EL MIRADOR DRIVE 6.875 2,259.84 80
6.625 2,259.84 430,000.00
FULLERTON CA 92835 2 11/24/98 00
0431153477 05 01/01/99 0
8821289 O 12/01/28
0
1
1859174 638/G01 F 427,000.00 ZZ
360 427,000.00 1
1872 GRANGER AVENUE 6.750 2,769.51 51
6.500 2,769.51 840,000.00
LOS ALTOS CA 94024 5 12/03/98 00
0431152610 05 02/01/99 0
8821994 O 01/01/29
0
1859176 637/G01 F 554,500.00 ZZ
360 554,045.47 1
25 BEACH AVENUE 7.000 3,689.11 56
6.750 3,689.11 1,000,000.00
LARCHMONT NY 10538 2 11/20/98 00
0431150044 05 01/01/99 0
14326845 O 12/01/28
0
1859177 K08/G01 F 146,800.00 ZZ
360 146,800.00 1
998 MISSION RIDGE DRIVE 6.875 964.37 80
6.625 964.37 183,500.00
MANTECA CA 95337 2 12/16/98 00
0411193576 05 02/01/99 0
411193576 O 01/01/29
0
1859181 638/G01 F 277,000.00 ZZ
360 276,772.94 1
350 BARON COURT 7.000 1,842.89 76
6.750 1,842.89 365,000.00
ERIE CO 80516 2 11/25/98 00
0431151828 05 01/01/99 0
8823625 O 12/01/28
0
1859183 638/G01 F 320,000.00 ZZ
360 320,000.00 1
5162 SOUTH IRONTON WAY 7.000 2,128.97 80
6.750 2,128.97 400,000.00
ENGLEWOOD CO 80111 5 12/01/98 00
0431152099 05 02/01/99 0
8823143 O 01/01/29
0
1859192 638/G01 F 274,400.00 ZZ
360 274,400.00 1
1
21 SANDBRIDGE 6.875 1,802.61 80
6.625 1,802.61 343,000.00
ALISO VIEJO CA 92656 5 12/04/98 00
0431152685 03 02/01/99 0
8829520 O 01/01/29
0
1859194 356/G01 F 246,000.00 ZZ
360 246,000.00 1
865 MARKHAM TERRACE 7.125 1,657.35 58
6.875 1,657.35 430,000.00
SUNNYVALE CA 94086 2 12/01/98 00
0431149202 03 02/01/99 0
2599926 O 01/01/29
0
1859220 638/G01 F 170,000.00 ZZ
360 170,000.00 1
5815 WINNETKA AVENUE 7.000 1,131.01 58
6.750 1,131.01 297,000.00
WOODLAND HILLS CA 91367 2 12/09/98 00
0431157189 05 02/01/99 0
8774504 O 01/01/29
0
1859229 638/G01 F 266,500.00 ZZ
360 266,500.00 1
1255 GROVE STREET 7.000 1,773.03 70
6.750 1,773.03 385,000.00
SONOMA CA 95476 1 12/07/98 00
0431157593 05 02/01/99 0
8825260 O 01/01/29
0
1859232 638/G01 F 450,000.00 ZZ
360 449,657.58 1
1521 CLUB VIEW DRIVE 7.375 3,108.04 57
7.125 3,108.04 800,000.00
LOS ANGELES CA 90024 1 11/17/98 00
0431157551 05 01/01/99 0
8820581 O 12/01/28
0
1859235 638/G01 F 285,000.00 ZZ
360 284,766.39 1
3038 ABELIA COURT 7.000 1,896.11 80
6.750 1,896.11 360,000.00
SAN JOSE CA 95121 5 11/25/98 00
0431154566 05 01/01/99 0
1
8827750 O 12/01/28
0
1859240 638/G01 F 285,000.00 ZZ
360 284,783.14 1
11 GROENDYKE CIRCLE 7.375 1,968.42 71
7.125 1,968.42 405,000.00
MILLSTONE TOWNS NJ 08691 1 12/03/98 00
0431160530 05 01/01/99 0
8823919 O 12/01/28
0
1859269 M29/G01 F 320,000.00 ZZ
360 320,000.00 1
501 HIGH STREET 7.500 2,237.49 55
7.250 2,237.49 585,000.00
DENVER CO 80218 5 12/14/98 00
0431160753 05 02/01/99 0
224542 O 01/01/29
0
1859273 638/G01 F 276,800.00 ZZ
360 276,800.00 1
1936 EAST RICH WAY 6.875 1,818.38 80
6.625 1,818.38 346,000.00
SALT LAKE CITY UT 84121 5 12/10/98 00
0431152446 05 02/01/99 0
8833344 O 01/01/29
0
1859284 638/G01 F 265,000.00 ZZ
360 265,000.00 1
5943 WEST 11500 NORTH 6.875 1,740.86 80
6.625 1,740.86 335,000.00
HIGHLAND UT 84003 5 12/10/98 00
0431152404 03 02/01/99 0
8833171 O 01/01/29
0
1859290 638/G01 F 500,000.00 ZZ
360 499,579.94 1
1634 VIA CAMPO VERDE 6.875 3,284.64 76
6.625 3,284.64 660,000.00
SAN JOSE CA 95120 5 11/24/98 00
0431152370 03 01/01/99 0
8821798 O 12/01/28
0
1
1859294 638/G01 F 295,000.00 ZZ
360 295,000.00 1
1752 STRAND AVENUE 6.875 1,937.94 43
6.625 1,937.94 700,000.00
OCEANO CA 93445 2 12/03/98 00
0431152214 05 02/01/99 0
8821568 O 01/01/29
0
1859299 638/G01 F 158,000.00 ZZ
360 157,867.26 1
750 RAMONA AVENUE 6.875 1,037.95 36
6.625 1,037.95 450,000.00
SUNNYVALE CA 94087 2 11/24/98 00
0431152081 05 01/01/99 0
8818780 O 12/01/28
0
1859303 420/G01 F 380,000.00 ZZ
360 380,000.00 1
887 INDIAN ROCK AVENUE 7.250 2,592.27 77
7.000 2,592.27 495,600.00
BERKELEY CA 94707 1 11/30/98 00
0431149988 05 02/01/99 0
0000383018 O 01/01/29
0
1859304 638/G01 F 195,000.00 ZZ
360 194,836.18 1
17902 MARTHA ANNE DRIVE 6.875 1,281.01 78
6.625 1,281.01 252,000.00
TUSTIN CA 92780 2 11/23/98 00
0431152149 05 01/01/99 0
8814408 O 12/01/28
0
1859310 638/G01 F 125,000.00 ZZ
240 124,763.67 1
16 FELLS CIRCLE 7.125 978.52 27
6.875 978.52 470,000.00
WELLESLEY MA 02481 2 11/25/98 00
0431151760 05 01/01/99 0
8816266 O 12/01/18
0
1859312 420/G01 F 295,000.00 ZZ
360 294,775.52 1
2824 CALLE REYNOSO 7.375 2,037.50 69
7.125 2,037.50 430,000.00
1
PLEASANTON CA 94566 2 11/24/98 00
0431150127 05 01/01/99 0
0000394122 O 12/01/28
0
1859317 964/G01 F 316,900.00 ZZ
360 316,900.00 1
2390 EAST MEADOW GLEN DRIVE 7.125 2,135.01 80
6.875 2,135.01 396,190.00
LA VERNE CA 91750 1 12/17/98 00
0431149285 03 02/01/99 0
47372 O 01/01/29
0
1859319 638/G01 F 276,700.00 ZZ
360 276,700.00 1
5 FELDSPAR WAY 7.375 1,911.10 95
7.125 1,911.10 293,000.00
RANCHO SANTA MA CA 92688 1 12/07/98 10
0431152016 03 02/01/99 30
8825496 O 01/01/29
0
1859326 964/G01 F 279,200.00 ZZ
360 279,200.00 1
5315 VIA SEVILLA 6.875 1,834.15 80
6.625 1,834.15 349,000.00
YORBA LINDA CA 92887 1 12/18/98 00
0431163856 03 02/01/99 0
47445 O 01/01/29
0
1859332 E29/G01 F 398,000.00 ZZ
360 398,000.00 1
4351 EAST PERRY PARKWAY 6.875 2,614.58 44
6.625 2,614.58 910,000.00
GREENWOOD VILLA CO 80121 2 12/18/98 00
0431165984 03 02/01/99 0
19810314 O 01/01/29
0
1859341 470/G01 F 453,250.00 ZZ
360 453,250.00 1
3855 NORTH OLD TOLL ROAD 7.125 3,053.63 80
6.875 3,053.63 566,608.00
ALTADENA AREA CA 91001 1 12/07/98 00
0431154053 03 02/01/99 0
96030086 O 01/01/29
0
1
1859353 356/G01 F 321,200.00 ZZ
360 321,200.00 1
1624 VALLEY OF THE MOON PL 7.250 2,191.16 63
7.000 2,191.16 515,000.00
LIVERMORE CA 94550 2 12/01/98 00
0431153345 05 02/01/99 0
2637429 O 01/01/29
0
1859355 356/G01 F 350,000.00 ZZ
360 350,000.00 1
4047 ISOLA 7.375 2,417.37 88
7.125 2,417.37 402,000.00
FREMONT CA 94555 1 12/01/98 19
0431153378 05 02/01/99 25
2683183 O 01/01/29
0
1859381 253/253 F 290,000.00 ZZ
360 290,000.00 1
1941 BALDY LANE 7.250 1,978.32 34
7.000 1,978.32 865,000.00
EVERGREEN CO 80439 1 12/18/98 00
929888 03 02/01/99 0
929888 O 01/01/29
0
1859396 638/G01 F 354,206.00 ZZ
360 354,206.00 1
6012 LADERO WAY 7.250 2,416.31 90
7.000 2,416.31 393,563.00
EL DORADO HILLS CA 95762 1 12/07/98 14
0431151448 03 02/01/99 25
8767498 O 01/01/29
0
1859405 593/593 F 380,500.00 ZZ
360 380,203.16 1
12 APPLEWOOD LANE NW 7.250 2,595.69 80
7.000 2,595.69 479,000.00
ALBUQUERQUE NM 87107 2 11/13/98 00
0006865687 05 01/01/99 0
0006865687 O 12/01/28
0
1859408 638/G01 F 263,200.00 ZZ
360 263,200.00 1
1
1822 47TH AVENUE 7.500 1,840.33 80
7.250 1,840.33 329,000.00
SAN FRANCISCO CA 94122 5 12/09/98 00
0431151505 05 02/01/99 0
8829269 O 01/01/29
0
1859414 638/G01 F 330,600.00 ZZ
360 330,600.00 1
194 EAST CARRINGTON LANE 7.375 2,283.37 95
7.125 2,283.37 348,000.00
CENTERVILLE UT 84014 1 12/16/98 10
0431151331 05 02/01/99 30
8830426 O 01/01/29
0
1859429 956/G01 F 279,500.00 ZZ
360 279,500.00 1
4012 SUTHERLAND DRIVE 7.125 1,883.04 64
6.875 1,883.04 440,000.00
PALO ALTO CA 94303 2 12/11/98 00
0431157312 05 02/01/99 0
208110035 O 01/01/29
0
1859503 480/G01 F 176,400.00 ZZ
360 176,262.39 1
28160 CARAWAY LANE 7.250 1,203.36 70
7.000 1,203.36 252,000.00
SANTA CLARITA CA 91350 1 11/13/98 00
0431161595 05 01/01/99 0
2655520 O 12/01/28
0
1859505 480/G01 F 308,565.00 ZZ
360 308,565.00 1
13160 SW 43 STREET 7.250 2,104.96 90
7.000 2,104.96 342,851.00
DAVIE FL 33330 1 12/02/98 12
0431161520 05 02/01/99 25
2362895 O 01/01/29
0
1859506 480/G01 F 616,000.00 ZZ
360 615,519.47 1
2002 MIDLOTHIAN DRIVE 7.250 4,202.20 80
7.000 4,202.20 770,000.00
ALTADENA CA 91001 2 11/25/98 00
0431161363 05 01/01/99 0
1
2655710 O 12/01/28
0
1859512 893/G01 F 332,000.00 ZZ
360 332,000.00 1
833 ROCKDALE DRIVE 7.375 2,293.05 80
7.125 2,293.05 415,000.00
SAN FRANCISCO CA 94127 2 12/16/98 00
0431153113 05 02/01/99 0
98110317 O 01/01/29
0
1859516 624/G01 F 381,400.00 ZZ
360 381,400.00 1
97 NORTH FAIRWAY DRIVE 7.000 2,537.46 80
6.750 2,537.46 476,794.00
NORTH SALT LAKE UT 84054 1 12/18/98 00
0431150424 05 02/01/99 0
67033380036 O 01/01/29
0
1859521 E26/G01 F 367,250.00 ZZ
360 367,250.00 1
4014 ADMIRABLE DRIVE 6.750 2,381.98 59
6.500 2,381.98 623,000.00
RANCHO PALOS VE CA 90275 5 12/09/98 00
0431160613 05 02/01/99 0
34802122 O 01/01/29
0
1859540 480/G01 F 336,000.00 ZZ
360 336,000.00 1
188 BARBADOS AVENUE 7.375 2,320.67 80
7.125 2,320.67 420,000.00
TAMPA FL 33606 2 12/04/98 00
0431161280 05 02/01/99 0
2760304 O 01/01/29
0
1859550 893/G01 F 480,000.00 ZZ
360 480,000.00 1
3117 LA MESA DRIVE 6.875 3,153.26 80
6.625 3,153.26 600,000.00
SAN CARLOS CA 94070 1 12/21/98 00
0431152842 05 02/01/99 0
98120531 O 01/01/29
0
1
1859551 480/G01 F 276,000.00 ZZ
360 276,000.00 1
1393 NORTH CASTLEWOOD DRIVE 7.125 1,859.46 71
6.875 1,859.46 389,000.00
FRANKTOWN CO 80116 1 12/04/98 00
0431161165 05 02/01/99 0
2770857 O 01/01/29
0
1859552 638/G01 F 280,000.00 ZZ
240 280,000.00 1
1746 22ND AVENUE 7.125 2,191.90 80
6.875 2,191.90 350,000.00
SAN FRANCISCO CA 94122 5 12/02/98 00
0431152297 07 02/01/99 0
8822967 O 01/01/19
0
1859554 638/G01 F 240,000.00 ZZ
360 240,000.00 1
5131 ROMERO WAY 7.500 1,678.11 80
7.250 1,678.11 303,000.00
FAIR OAKS CA 95628 1 12/08/98 00
0431152735 05 02/01/99 0
8821054 O 01/01/29
0
1859556 638/G01 F 426,000.00 ZZ
360 426,000.00 1
3579 SHADOW CREEK DRIVE 7.375 2,942.28 77
7.125 2,942.28 559,000.00
DANVILLE CA 94506 5 12/07/98 00
0431152750 03 02/01/99 0
8818767 O 01/01/29
0
1859557 638/G01 F 205,000.00 ZZ
360 205,000.00 1
151 NORTH 930 EAST 7.375 1,415.88 74
7.125 1,415.88 280,000.00
LINDON UT 84042 2 12/14/98 00
0431152313 05 02/01/99 0
8824334 O 01/01/29
0
1859560 638/G01 F 277,000.00 ZZ
360 277,000.00 1
31091 AUGUSTA DRIVE 7.500 1,936.82 59
7.250 1,936.82 475,000.00
1
LAGUNA NIGUEL CA 92677 2 12/07/98 00
0431152784 03 02/01/99 0
8827592 O 01/01/29
0
1859564 638/G01 F 220,000.00 ZZ
360 219,840.77 1
2 VILLAGE DRIVE 7.625 1,557.15 75
7.375 1,557.15 296,000.00
SANDWICH MA 02537 2 11/30/98 00
0431152362 05 01/01/99 0
8827904 O 12/01/28
0
1859567 638/G01 F 320,000.00 ZZ
360 320,000.00 1
813 DUNCARDINE WAY 7.500 2,237.49 80
7.250 2,237.49 400,000.00
SUNNYVALE CA 94087 1 12/04/98 00
0431152776 05 02/01/99 0
8829105 O 01/01/29
0
1859595 765/G01 F 181,600.00 ZZ
360 181,600.00 1
512 BRIARWOOD DRIVE 7.250 1,238.84 80
7.000 1,238.84 227,000.00
BREA CA 92821 1 12/12/98 00
0431150275 05 02/01/99 0
341229 O 01/01/29
0
1859607 966/G01 F 284,600.00 ZZ
360 284,600.00 1
3236 CARAVAN DRIVE 7.000 1,893.45 80
6.750 1,893.45 360,000.00
PLANO TX 75025 1 12/18/98 00
0431150630 05 02/01/99 0
40004715 O 01/01/29
0
1859613 966/G01 F 224,200.00 ZZ
360 224,200.00 1
7100 ROCHELLE DRIVE 7.000 1,491.61 80
6.750 1,491.61 280,270.00
PLANO TX 75025 1 12/15/98 00
0431160928 05 02/01/99 0
30009227 O 01/01/29
0
1
1859624 573/G01 F 452,000.00 ZZ
360 452,000.00 1
20804 EAST COVINA HILLS ROAD 7.375 3,121.86 80
7.125 3,121.86 565,000.00
COVINA AREA CA 91724 1 12/03/98 00
0431158609 05 02/01/99 0
138976 O 01/01/29
0
1859628 E82/G01 F 365,000.00 ZZ
360 365,000.00 1
1105 CAMBROOK COURT 6.875 2,397.79 62
6.625 2,397.79 592,000.00
MONUMENT CO 80132 2 12/24/98 00
0400157657 05 02/01/99 0
0400157657 O 01/01/29
0
1859632 685/G01 F 300,000.00 ZZ
360 300,000.00 1
3305 PACIFIC AVENUE 7.250 2,046.53 64
7.000 2,046.53 475,000.00
MANHATTAN BEACH CA 90266 2 12/15/98 00
0431160043 05 02/01/99 0
116568 O 01/01/29
0
1859654 685/G01 F 572,000.00 ZZ
360 572,000.00 1
2900 STRONGS DRIVE 6.875 3,757.64 80
6.625 3,757.64 715,000.00
LOS ANGELES CA 90291 1 12/21/98 00
0431159391 05 02/01/99 0
116530 O 01/01/29
0
1859689 356/G01 F 349,000.00 ZZ
360 349,000.00 1
43384 LAUREL GLEN COMMON 7.250 2,380.80 53
7.000 2,380.80 670,000.00
FREMONT CA 94539 2 12/08/98 00
0431158310 03 02/01/99 0
2698322 O 01/01/29
0
1859721 638/G01 F 240,000.00 ZZ
360 240,000.00 1
1
8523 GARIBALDI AVENUE 7.000 1,596.73 80
6.750 1,596.73 300,000.00
SAN GABRIEL ARE CA 91775 1 12/11/98 00
0431157619 05 02/01/99 0
08830445 O 01/01/29
0
1859732 638/G01 F 246,000.00 ZZ
360 246,000.00 1
2742 FELTON STREET 6.875 1,616.04 85
6.625 1,616.04 290,000.00
SAN DIEGO CA 92104 2 12/04/98 10
0431157627 05 02/01/99 12
08827824 O 01/01/29
0
1859738 420/G01 F 322,000.00 ZZ
360 322,000.00 1
2332 RAVEN ROAD 7.000 2,142.28 86
6.750 2,142.28 375,000.00
PLEASANTON CA 94566 1 12/15/98 10
0431152164 05 02/01/99 25
0000401927 O 01/01/29
0
1859739 356/G01 F 270,000.00 ZZ
360 270,000.00 1
191 ORTEGA AVENUE 7.375 1,864.83 79
7.125 1,864.83 342,000.00
MOUNTAIN VIEW CA 94040 2 12/01/98 00
0431153329 09 02/01/99 0
2655884 O 01/01/29
0
1859742 420/G01 F 347,000.00 ZZ
360 347,000.00 1
3555 COUR DU VIN 7.125 2,337.81 72
6.875 2,337.81 485,000.00
SAN JOSE CA 95148 5 12/07/98 00
0431152594 05 02/01/99 0
0000394924 O 01/01/29
0
1859746 638/G01 F 297,500.00 ZZ
360 297,500.00 1
8608 EAST GAIL ROAD 6.875 1,954.36 80
6.625 1,954.36 375,000.00
SCOTTSDALE AZ 85260 2 12/11/98 00
0431157676 05 02/01/99 0
1
08823730 O 01/01/29
0
1859759 L49/G01 F 575,750.00 ZZ
360 575,750.00 1
2 AGOSTINO 6.500 3,639.13 80
6.250 3,639.13 719,739.00
NEWPORT COAST A CA 92657 1 12/18/98 00
0431165240 03 02/01/99 0
10001148 O 01/01/29
0
1859761 470/G01 F 284,750.00 ZZ
360 284,750.00 1
1154 LEA DRIVE 7.125 1,918.42 85
6.875 1,918.42 335,000.00
NOVATO CA 94947 1 12/02/98 04
0431159995 05 02/01/99 12
56000714 O 01/01/29
0
1859766 J95/J95 F 324,000.00 ZZ
360 323,727.80 1
2313 MOHAWK LANE 6.875 2,128.45 62
6.625 2,128.45 530,000.00
GLENVIEW IL 60025 5 11/09/98 00
0016320087 05 01/01/99 0
0016320087 O 12/01/28
0
1859769 956/G01 F 259,250.00 ZZ
360 259,250.00 1
30 PIZARRO AVENUE 7.250 1,768.54 80
7.000 1,768.54 324,072.00
NOVATO CA 94949 1 12/10/98 00
0431159169 05 02/01/99 0
208111163 O 01/01/29
0
1859800 638/G01 F 321,000.00 ZZ
360 321,000.00 1
1072 EAST 1045 NORTH 7.125 2,162.64 79
6.875 2,162.64 410,000.00
OREM UT 84097 2 12/18/98 00
0431157981 05 02/01/99 0
08835196 O 01/01/29
0
1
1859806 638/G01 F 346,000.00 ZZ
360 346,000.00 1
755 RUTHERFORD CIRCLE 7.000 2,301.95 80
6.750 2,301.95 433,000.00
BRENTWOOD CA 94513 2 12/15/98 00
0431159029 05 02/01/99 0
08833770 O 01/01/29
0
1859906 893/G01 F 143,000.00 ZZ
360 143,000.00 1
671 37TH AVENUE 7.375 987.67 64
7.125 987.67 224,000.00
SANTA CRUZ CA 95062 2 12/18/98 00
0431153402 05 02/01/99 0
98120536 O 01/01/29
0
1860021 964/G01 F 364,000.00 ZZ
360 364,000.00 1
1015 CASTLE ROAD 6.875 2,391.22 80
6.625 2,391.22 455,000.00
SONOMA CA 95476 1 12/14/98 00
0431158237 05 02/01/99 0
41053 O 01/01/29
0
1860035 964/G01 F 562,400.00 ZZ
360 562,400.00 1
130 SADDLEWOOD DRIVE 7.250 3,836.56 80
7.000 3,836.56 703,298.00
NOVATO CA 94945 1 12/22/98 00
0431158112 05 02/01/99 0
47460 O 01/01/29
0
1860076 E87/G01 F 118,750.00 ZZ
360 118,750.00 1
935 WEST GUNNER STREET 7.250 810.08 95
7.000 810.08 125,000.00
SANTA MARIA CA 93454 2 12/14/98 10
0431157155 05 02/01/99 30
70001912 O 01/01/29
0
1860094 811/G01 F 342,000.00 ZZ
360 342,000.00 1
500 COCONUT CIRCLE 7.250 2,333.04 90
7.000 2,333.04 380,000.00
1
WESTON FL 33326 1 12/24/98 04
0431161322 03 02/01/99 25
FM00111043 O 01/01/29
0
1860132 F18/G01 F 399,000.00 ZZ
360 399,000.00 1
118 PANORAMA COURT 6.750 2,587.91 78
6.500 2,587.91 512,000.00
PACIFICA CA 94044 2 12/17/98 00
0431169374 03 02/01/99 0
00415 O 01/01/29
0
1860309 543/543 F 338,000.00 ZZ
360 337,457.81 1
12 VILLAGE WOODS DRIVE 7.125 2,277.17 69
6.875 2,277.17 495,000.00
AMHERST NH 03031 2 10/26/98 00
7210711469 05 12/01/98 0
7210711469 O 11/01/28
0
1860316 543/G01 F 370,800.00 ZZ
360 368,989.11 1
25 BRUCE CIRCLE NORTH 7.500 2,592.69 90
7.250 2,592.69 412,000.00
HAWTHORN WOODS IL 60047 1 06/19/98 04
0431156835 05 08/01/98 25
7210607387 O 07/01/28
0
1860345 543/543 F 246,000.00 ZZ
360 245,420.78 1
75 ELLYSON AVENUE 7.250 1,678.16 75
LOT 5 7.000 1,678.16 328,000.00
EAST HAMPSTEAD NH 03826 1 09/29/98 00
7210498372 05 11/01/98 0
7210498372 O 10/01/28
0
1860383 B28/G01 F 278,500.00 ZZ
360 278,500.00 1
6659 SOUTH OAK CIRCLE 6.125 1,692.20 80
5.875 1,692.20 348,165.00
LITTLETON CO 80127 1 12/18/98 00
0431165620 05 02/01/99 0
02981233 O 01/01/29
0
1
1860434 356/G01 F 290,000.00 ZZ
360 290,000.00 1
106 LUCIA DRIVE 7.250 1,978.32 55
7.000 1,978.32 535,000.00
SO SAN FRANCISC CA 94080 2 12/04/98 00
0431161397 05 02/01/99 0
2629400 O 01/01/29
0
1860454 356/G01 F 270,000.00 ZZ
360 270,000.00 1
5226 VERNON AVENUE 7.250 1,841.88 74
7.000 1,841.88 365,000.00
FREMONT CA 94536 5 12/04/98 00
0431159417 03 02/01/99 0
2628220 O 01/01/29
0
1860466 B57/G01 F 300,000.00 ZZ
360 300,000.00 4
1132 A, B, C, AND D VICTORIA 6.875 1,970.79 75
STREET 6.625 1,970.79 400,000.00
COSTA MESA CA 92627 6 12/22/98 00
0431161272 05 02/01/99 0
98F0047 O 01/01/29
0
1860468 356/G01 F 356,250.00 ZZ
360 356,250.00 1
40490 SEVILLE COURT 7.375 2,460.54 75
7.125 2,460.54 475,000.00
FREMONT CA 94539 5 12/08/98 00
0431161405 05 02/01/99 0
2598829 O 01/01/29
0
1860543 356/G01 F 320,000.00 ZZ
360 320,000.00 1
7891 CALDWELL COURT 7.250 2,182.96 75
7.000 2,182.96 430,000.00
CASTRO VALLEY CA 94552 2 12/08/98 00
0431162130 03 02/01/99 0
262867 O 01/01/29
0
1860553 356/G01 F 312,300.00 ZZ
360 312,300.00 1
1
2428 APSIS AVENUE 7.250 2,130.43 73
7.000 2,130.43 430,000.00
SAN JOSE CA 95124 2 12/02/98 00
0431161512 05 02/01/99 0
2640760 O 01/01/29
0
1860558 356/G01 F 360,000.00 ZZ
360 360,000.00 1
938 MONTEVINO DR 7.250 2,455.83 56
7.000 2,455.83 650,000.00
PLEASANTON CA 94566 2 12/08/98 00
0431161645 05 02/01/99 0
2588622 O 01/01/29
0
1860594 356/G01 F 342,000.00 ZZ
360 342,000.00 1
1839 ESPRIT COURT 7.250 2,333.05 75
7.000 2,333.05 460,000.00
SAN JOSE CA 95131 2 12/10/98 00
0431160472 05 02/01/99 0
2629020 O 01/01/29
0
1860604 664/G01 F 310,000.00 ZZ
360 310,000.00 1
706 ARDEN ROAD 7.375 2,141.10 42
7.125 2,141.10 745,000.00
PASADENA CA 91106 5 12/18/98 00
0431159425 05 02/01/99 0
2959278 O 01/01/29
0
1860613 077/077 F 272,000.00 ZZ
360 272,000.00 1
24311 SEASIDE CT 7.250 1,855.52 77
7.000 1,855.52 353,972.00
EDWARDSBURG MI 49112 1 12/23/98 00
399048 05 02/01/99 0
399048 O 01/01/29
0
1860648 893/G01 F 391,920.00 ZZ
360 391,920.00 1
5312 WOODGROVE COURT 7.250 2,673.59 80
7.000 2,673.59 489,900.00
CONCORD CA 94521 1 12/21/98 00
0431163344 05 02/01/99 0
1
98110454 O 01/01/29
0
1860656 F63/G01 F 310,300.00 ZZ
360 310,300.00 1
337 ALTA AVENUE 7.375 2,143.16 67
7.125 2,143.16 465,000.00
SANTA CRUZ CA 95060 2 12/22/98 00
0431163021 05 02/01/99 0
23889 O 01/01/29
0
1860775 M51/G01 F 95,000.00 ZZ
360 95,000.00 1
1036 S. CUYLER AVENUE 7.625 672.41 95
7.375 672.41 100,000.00
OAK PARK IL 60304 1 12/29/98 04
0431169739 05 02/01/99 30
0000 O 01/01/29
0
1860800 536/536 F 460,400.00 ZZ
360 460,013.21 1
3166 HUELANI DRIVE 6.875 3,024.50 79
6.625 3,024.50 585,000.00
HONOLULU HI 96822 2 11/10/98 00
1210350 05 01/01/99 0
1210350 O 12/01/28
0
1860872 M51/G01 F 242,250.00 ZZ
360 242,250.00 1
2034 ELMWOOD AVENUE 7.125 1,632.09 85
6.875 1,632.09 287,500.00
WILMETTE IL 60091 1 12/30/98 04
0431169614 05 02/01/99 12
0000 O 01/01/29
0
1860884 685/G01 F 241,600.00 ZZ
360 241,600.00 1
1202 HAZEL PLACE 7.250 1,648.14 80
7.000 1,648.14 302,035.00
COSTA MESA CA 92626 1 12/24/98 00
0431163625 03 02/01/99 0
116844 O 01/01/29
0
1
1860898 356/G01 F 329,500.00 ZZ
360 329,500.00 1
355 CORONADO AVENUE 7.250 2,247.78 57
7.000 2,247.78 580,000.00
HALF MOON BAY CA 94019 2 12/16/98 00
0431161611 05 02/01/99 0
2656460 O 01/01/29
0
1860924 F84/G01 F 220,000.00 ZZ
360 220,000.00 1
601 SURF AVENUE #15F 7.500 1,538.27 71
7.250 1,538.27 310,000.00
BROOKLYN NY 11224 1 12/28/98 00
0431160720 06 02/01/99 0
NJ249 O 01/01/29
0
1860968 964/G01 F 292,000.00 ZZ
360 292,000.00 1
9 ROSCOE STREET 7.375 2,016.77 73
7.125 2,016.77 405,000.00
SAN FRANCISCO CA 94110 2 12/14/98 00
0431163534 05 02/01/99 0
44776 O 01/01/29
0
1860970 201/G01 F 565,500.00 ZZ
360 565,500.00 1
3584 SARASOTA GOLF CLUB BLVD 7.000 3,762.29 80
6.750 3,762.29 710,000.00
SARASOTA FL 34240 1 12/10/98 00
0431166883 05 02/01/99 0
5491142802 O 01/01/29
0
1860973 201/G01 F 313,000.00 ZZ
360 313,000.00 1
1121 CRANDON BOULEVARD #E-1101 6.875 2,056.19 72
6.625 2,056.19 435,000.00
KEY BISCAYNE FL 33149 2 12/21/98 00
0431166941 01 02/01/99 0
4409121623 O 01/01/29
0
1861003 964/G01 F 260,000.00 ZZ
360 260,000.00 1
308 SEVENTEENTH STREET 7.250 1,773.66 80
7.000 1,773.66 325,000.00
1
SEAL BEACH CA 90740 1 12/14/98 00
0431163583 05 02/01/99 0
46070 O 01/01/29
0
1861006 964/G01 F 232,000.00 ZZ
360 232,000.00 1
7811 LORI DRIVE 7.250 1,582.65 80
7.000 1,582.65 290,000.00
HUNTINGTON BEAC CA 92648 1 12/21/98 00
0431161694 03 02/01/99 0
47562 O 01/01/29
0
1861013 811/G01 F 159,200.00 ZZ
360 159,200.00 1
26475 MONTANA WAY 7.250 1,086.02 80
7.000 1,086.02 199,000.00
HAYWARD CA 94544 1 12/11/98 00
0431164664 05 02/01/99 0
FM02104539 O 01/01/29
0
1861088 420/G01 F 528,000.00 ZZ
360 528,000.00 1
1333 PARTRICK ROAD 7.250 3,601.90 75
7.000 3,601.90 710,000.00
NAPA CA 94558 2 12/01/98 00
0431160068 05 02/01/99 0
0000395392 O 01/01/29
0
1861090 387/G01 F 227,150.00 ZZ
360 226,968.35 1
802 CEDARAY DRIVE 7.125 1,530.35 67
6.875 1,530.35 340,000.00
BEL AIR MD 21015 2 11/20/98 00
0431161801 05 01/01/99 0
0001602267 O 12/01/28
0
1861114 964/G01 F 186,400.00 ZZ
360 186,400.00 1
5632 EAST DEBORAH STREET 7.250 1,271.58 80
7.000 1,271.58 233,100.00
LONG BEACH CA 90815 1 12/16/98 00
0431161009 05 02/01/99 0
47640 O 01/01/29
0
1
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360 366,000.00 1
355 BRYANT STREET #401 7.125 2,465.81 72
6.875 2,465.81 515,000.00
SAN FRANCISCO CA 94107 2 12/22/98 00
0431162098 01 02/01/99 0
48279 O 01/01/29
0
1861252 964/G01 F 555,980.00 ZZ
360 555,980.00 1
5 DORIAN WAY 7.250 3,792.76 80
7.000 3,792.76 694,975.00
SAN RAFAEL CA 94901 1 12/28/98 00
0431165372 05 02/01/99 0
44164 O 01/01/29
0
1861265 964/G01 F 400,000.00 ZZ
360 400,000.00 1
90 STRATFORD ROAD 6.875 2,627.72 80
6.625 2,627.72 500,000.00
KENSINGTON CA 94707 1 12/29/98 00
0431161736 05 02/01/99 0
47938 O 01/01/29
0
1861269 964/G01 F 275,000.00 ZZ
360 275,000.00 1
21 ACORN WAY 7.000 1,829.58 25
6.750 1,829.58 1,100,000.00
KENTFIELD CA 94904 2 12/22/98 00
0431161967 05 02/01/99 0
47202 O 01/01/29
0
1861276 964/G01 F 256,000.00 ZZ
360 256,000.00 1
5480 DIANE WAY 7.500 1,789.99 80
7.250 1,789.99 320,000.00
SANTA ROSA CA 95409 1 12/24/98 00
0431161876 05 02/01/99 0
38909 O 01/01/29
0
1861281 964/G01 F 315,000.00 ZZ
360 315,000.00 1
1
1726 HAVENMEYER LANE 7.125 2,122.21 90
6.875 2,122.21 350,000.00
REDONDO BEACH CA 90278 1 12/28/98 19
0431161439 05 02/01/99 25
48767 O 01/01/29
0
1861346 961/G01 F 250,000.00 ZZ
360 250,000.00 1
2487 LYRIC AVE 7.250 1,705.44 74
7.000 1,705.44 340,000.00
LOS ANGELES CA 90027 5 12/04/98 00
0431163278 05 02/01/99 0
09111952 O 01/01/29
0
1861402 356/G01 F 271,000.00 ZZ
360 271,000.00 1
4917 ROSELLE COMMON 7.250 1,848.70 80
7.000 1,848.70 341,283.00
FREMONT CA 94536 2 12/15/98 00
0431165331 05 02/01/99 0
2665925 O 01/01/29
0
1861413 356/G01 F 375,000.00 ZZ
360 375,000.00 1
804 SCHOOLHOUSE ROAD 7.250 2,558.17 75
7.000 2,558.17 500,000.00
SAN JOSE CA 95138 2 12/08/98 00
0431165299 03 02/01/99 0
2637106 O 01/01/29
0
1861457 B60/G01 F 116,500.00 ZZ
360 116,500.00 1
7549 MARILYN DRIVE 7.250 794.74 75
7.000 794.74 157,000.00
CORONA CA 91719 1 12/18/98 00
0431164953 05 02/01/99 0
262483 O 01/01/29
0
1861460 M29/G01 F 482,000.00 ZZ
360 482,000.00 1
4164 S. HUDSON PARKWAY 6.750 3,126.25 76
6.500 3,126.25 640,000.00
ENGLEWOOD CO 80110 1 12/29/98 00
0431164995 05 02/01/99 0
1
0327673 O 01/01/29
0
1861474 964/G01 F 100,000.00 ZZ
360 100,000.00 1
950 COLLEGE CANYON ROAD 6.500 632.07 20
6.250 632.07 522,000.00
SOLVANG CA 93463 5 12/17/98 00
0431166222 05 02/01/99 0
47974 O 01/01/29
0
1861500 964/G01 F 450,000.00 ZZ
360 450,000.00 1
10 TARA VIEW ROAD 7.250 3,069.79 53
7.000 3,069.79 850,000.00
TIBURON CA 94920 5 12/23/98 00
0431165745 05 02/01/99 0
48247 O 01/01/29
0
1861543 L49/G01 F 452,550.00 ZZ
360 452,550.00 1
23 CENTAURUS WAY 6.875 2,972.93 80
6.625 2,972.93 565,742.00
COTO DE CAZA AR CA 92679 1 12/24/98 00
0431169564 03 02/01/99 0
10001361 O 01/01/29
0
1861648 944/G01 F 388,000.00 ZZ
360 388,000.00 1
14540 MOUNTAIN QUAIL ROAD 7.250 2,646.84 80
7.000 2,646.84 485,000.00
SALINAS CA 93908 2 12/15/98 00
0431165281 03 02/01/99 0
16988 O 01/01/29
0
1861683 E82/G01 F 409,000.00 T
360 409,000.00 1
897 COFAIR COURT 7.375 2,824.86 75
7.125 2,824.86 550,000.00
SOLANA BEACH CA 92075 2 12/30/98 00
0400168993 01 02/01/99 0
1610236 O 01/01/29
0
1
1861847 H47/G01 F 370,900.00 ZZ
360 370,900.00 1
9152 SOUTH CEDAR HILL WAY 7.000 2,467.61 90
6.750 2,467.61 412,254.00
LITTLETON CO 80124 1 12/29/98 04
0431163054 05 02/01/99 25
24093000 O 01/01/29
0
1861903 811/G01 F 284,500.00 ZZ
360 284,500.00 1
110 WESTMOOR PLACE 7.250 1,940.79 69
7.000 1,940.79 415,000.00
SANTA CRUZ CA 95060 2 12/22/98 00
0431164300 05 02/01/99 0
FM02208389 O 01/01/29
0
1862063 356/G01 F 300,000.00 ZZ
360 300,000.00 1
6006 WOOD DRIVE 7.250 2,046.53 58
7.000 2,046.53 523,000.00
OAKLAND CA 94611 2 12/09/98 00
0431165174 05 02/01/99 0
2689362 O 01/01/29
0
1862067 356/G01 F 270,000.00 ZZ
360 270,000.00 1
1550 RAMONA WAY 7.250 1,841.88 58
7.000 1,841.88 470,000.00
ALAMO CA 94507 5 12/14/98 00
0431165265 05 02/01/99 0
2694529 O 01/01/29
0
1862406 470/G01 F 317,950.00 ZZ
360 317,950.00 1
652 WEST MILLARD CANYON ROAD 6.875 2,088.71 80
6.625 2,088.71 397,482.00
ALTADENA AREA CA 91001 1 12/10/98 00
0431169846 03 02/01/99 0
96030217 O 01/01/29
0
1862429 964/G01 F 450,000.00 ZZ
360 450,000.00 1
415 HAZEL AVENUE 6.875 2,956.18 75
6.625 2,956.18 600,000.00
1
MILLBRAE CA 94030 1 12/28/98 00
0431169689 05 02/01/99 0
47475 O 01/01/29
0
1862474 638/G01 F 400,000.00 ZZ
360 400,000.00 1
9 WHITE CLIFF 6.875 2,627.72 70
6.625 2,627.72 575,000.00
LAGUNA NIGUEL CA 92677 5 12/09/98 00
0431169986 03 02/01/99 0
08803893 O 01/01/29
0
2668657 G75/G75 F 344,000.00 ZZ
360 342,707.44 1
11 COVENTRY LANE 7.500 2,405.30 80
7.250 2,405.30 430,400.00
TRUMBULL CT 06611 1 07/31/98 00
03572004 05 09/01/98 0
03572004 O 08/01/28
0
2670916 696/K06 F 300,000.00 ZZ
360 298,958.10 1
7801 MOORLAND LANE 6.750 1,945.79 80
6.500 1,945.79 375,000.00
BETHESDA MD 20814 1 08/14/98 00
0430973727 05 10/01/98 0
2268227 O 09/01/28
0
2673141 286/286 F 837,000.00 ZZ
360 833,776.13 1
11920 CRAGWOOD WAY 7.375 5,780.96 61
7.125 5,780.96 1,380,000.00
POTOMAC MD 20854 2 07/17/98 00
0000977904 05 09/01/98 0
0000977904 O 08/01/28
0
2683313 696/G01 F 203,200.00 ZZ
360 202,645.93 1
1756 HOBART STREET, NW 6.500 1,284.36 80
6.250 1,284.36 254,000.00
WASHINGTON DC 20009 1 09/25/98 00
0431045657 05 11/01/98 0
3268251 O 10/01/28
0
1
2695630 225/225 F 262,500.00 ZZ
360 261,850.71 1
1432 LAKE WASHINGTON BLVD S 7.000 1,746.42 75
6.750 1,746.42 350,000.00
SEATTLE WA 98144 5 09/03/98 00
7057688 05 11/01/98 0
7057688 O 10/01/28
0
2695696 225/225 F 238,100.00 ZZ
360 237,269.61 1
7477 EAST PHANTOM WAY 6.875 1,564.15 85
6.625 1,564.15 283,000.00
SCOTTSDALE AZ 85255 2 09/30/98 12
7064952 03 11/01/98 12
7064952 O 10/01/28
0
2695724 225/225 F 600,000.00 ZZ
360 598,063.60 1
604 LONGCHAMPS DRIVE 7.125 4,042.31 68
6.875 4,042.31 886,000.00
DEVON PA 19333 1 08/31/98 00
8726645 03 10/01/98 0
8726645 O 09/01/28
0
2695725 225/225 F 400,050.00 ZZ
360 398,149.01 1
1638 VIA TUSCANY 7.250 2,729.05 73
7.000 2,729.05 554,000.00
WINTER PARK FL 32789 1 06/26/98 00
8726941 05 08/01/98 0
8726941 O 07/01/28
0
2695729 225/225 F 351,000.00 ZZ
360 350,193.82 1
1 KITTANSETT COURT 7.375 2,424.27 80
7.125 2,424.27 438,793.00
MONTGOMERY NJ 08558 1 09/21/98 00
8730229 03 11/01/98 0
8730229 O 10/01/28
0
2695732 225/225 F 352,500.00 ZZ
360 351,710.27 1
1
1 VULTEE DRIVE 7.500 2,464.73 75
7.250 2,464.73 470,000.00
FLORHAM PARK NJ 07932 5 09/23/98 00
8733375 05 11/01/98 0
8733375 O 10/01/28
0
2695745 225/225 F 315,000.00 ZZ
360 314,276.49 1
2500 NORFOLK ROAD 7.375 2,175.63 90
7.125 2,175.63 350,000.00
ORLANDO FL 32803 1 09/17/98 14
8736082 05 11/01/98 25
8736082 O 10/01/28
0
2696021 225/225 F 242,400.00 ZZ
360 241,443.01 1
215 KING OWEN COURT 7.250 1,653.60 80
7.000 1,653.60 303,000.00
CHARLOTTE NC 28211 1 07/24/98 00
8430014 05 09/01/98 0
8430014 O 08/01/28
0
2696024 225/225 F 250,000.00 ZZ
360 249,411.39 1
3451 FAIRFAX LANE 7.250 1,705.44 71
7.000 1,705.44 355,000.00
DAVIE FL 33330 2 09/21/98 00
8430878 03 11/01/98 0
8430878 O 10/01/28
0
2696027 225/225 F 440,000.00 ZZ
360 438,568.87 1
290 44TH AVENUE DRIVE NW 7.125 2,964.36 80
6.875 2,964.36 550,000.00
HICKORY NC 28601 1 08/21/98 00
8431253 05 10/01/98 0
8431253 O 09/01/28
0
2696028 225/225 F 272,000.00 ZZ
360 271,552.80 1
9329 COVE DRIVE 7.000 1,809.62 77
6.750 1,809.62 355,000.00
MYRTLE BEACH SC 29572 2 10/02/98 00
8431288 05 12/01/98 0
1
8431288 O 11/01/28
0
2696030 225/225 F 266,200.00 ZZ
360 265,772.98 1
11311 TRENTON COURT 7.125 1,793.44 94
6.875 1,793.44 285,000.00
BRISTOW VA 20136 2 10/02/98 14
8431779 03 12/01/98 30
8431779 O 11/01/28
0
2696048 225/225 F 450,000.00 ZZ
360 448,772.95 1
114 QUEEN STREET 6.500 2,844.31 69
6.250 2,844.31 660,000.00
ALEXANDRIA VA 22314 1 09/29/98 00
8734760 03 11/01/98 0
8734760 O 10/01/28
0
2704590 696/G01 F 308,700.00 ZZ
360 308,434.22 1
2353 GREENWICH STREET 6.750 2,002.22 80
6.500 2,002.22 387,000.00
FALLS CHURCH VA 22046 1 11/25/98 00
0431137074 05 01/01/99 0
1008071 O 12/01/28
0
2705671 225/225 F 308,000.00 ZZ
360 307,734.81 1
13250 80TH STREET COURT S 6.750 1,997.69 80
6.500 1,997.69 385,600.00
HASTINGS MN 55033 1 11/16/98 00
007017607 05 01/01/99 0
007017607 O 12/01/28
0
2705672 225/225 F 247,200.00 ZZ
360 246,783.45 1
437 WOODEN DRIVE 6.875 1,623.93 80
6.625 1,623.93 309,000.00
PLACENTIA CA 92870 1 10/21/98 00
007025318 05 12/01/98 0
007025318 O 11/01/28
0
1
2705674 225/225 F 284,700.00 ZZ
360 284,265.39 1
42 JACKSON CIRCLE 7.375 1,966.36 80
7.125 1,966.36 355,900.00
FRANKLIN MA 02038 1 10/15/98 00
007027614 05 12/01/98 0
007027614 O 11/01/28
0
2705675 225/225 F 414,000.00 ZZ
360 412,444.43 1
2829 BOTTLEBRUSH DRIVE 7.500 2,894.75 59
7.250 2,894.75 710,000.00
LOS ANGELES CA 90077 2 07/10/98 00
007033289 01 09/01/98 0
007033289 O 08/01/28
0
2705677 225/225 F 463,900.00 ZZ
360 463,191.83 1
1346 LINCOLN STREET 7.375 3,204.05 87
7.125 3,204.05 535,000.00
SANTA CLARA CA 95051 2 10/20/98 10
007038781 05 12/01/98 25
007038781 O 11/01/28
0
2705678 225/225 F 552,000.00 ZZ
360 551,136.16 1
1301 E LAKESHORE DR 7.250 3,765.62 50
7.000 3,765.62 1,120,000.00
COEUR D'ALENE ID 83814 5 10/23/98 00
007039315 05 12/01/98 0
007039315 O 11/01/28
0
2705679 225/225 F 299,250.00 ZZ
360 298,125.59 1
18372 CRANBROOK DRIVE 7.500 2,092.40 95
7.250 2,092.40 315,000.00
SANTA ANA CA 92705 1 07/15/98 04
007039324 05 09/01/98 30
007039324 O 08/01/28
0
2705680 225/225 F 245,407.00 ZZ
360 245,022.96 1
113 WHISTLEBERRY DRIVE 7.250 1,674.11 90
7.000 1,674.11 275,657.00
1
BARNSTABLE MA 02648 1 10/30/98 11
007039454 05 12/01/98 25
007039454 O 11/01/28
0
2705681 225/225 F 286,650.00 ZZ
360 285,747.39 1
20990 PINAR TRAIL 7.250 1,955.46 90
7.000 1,955.46 318,500.00
BOCA RATON FL 33433 1 09/01/98 10
007040199 05 10/01/98 25
007040199 O 09/01/28
0
2705682 225/225 F 275,000.00 ZZ
360 274,525.12 1
11 MURRAY AVE 6.750 1,783.65 67
6.500 1,783.65 415,000.00
PORT WASHINGTON NY 11050 5 10/02/98 00
007040236 05 12/01/98 0
007040236 O 11/01/28
0
2705683 225/225 F 300,500.00 ZZ
360 299,553.79 1
6877 NORTH STATE ROUTE 48 7.250 2,049.94 79
7.000 2,049.94 385,000.00
SPRINGBORO OH 45066 2 08/27/98 00
007040480 05 10/01/98 0
007040480 O 09/01/28
0
2705684 225/225 F 367,900.00 ZZ
360 367,295.10 1
22425 CIRCLE J RANCH 7.000 2,447.65 76
6.750 2,447.65 485,000.00
SAUGUS AREA CA 91350 1 10/15/98 00
007040806 05 12/01/98 0
007040806 O 11/01/28
0
2705685 225/225 F 241,500.00 ZZ
360 241,122.06 1
185 RIDGE PARK AVENUE 7.250 1,647.46 75
7.000 1,647.46 322,000.00
STAMFORD CT 06905 5 10/07/98 00
007043069 05 12/01/98 0
007043069 O 11/01/28
0
1
2705686 225/225 F 320,000.00 ZZ
360 318,888.58 1
40 ZACHARY LANE 6.750 2,075.52 69
6.500 2,075.52 470,000.00
REDDING MA 01867 5 08/25/98 00
007043826 05 10/01/98 0
007043826 O 09/01/28
0
2705687 225/225 F 334,000.00 ZZ
360 332,681.40 2
1056- 1058 GUERRERO ST 7.250 2,278.47 57
7.000 2,278.47 590,000.00
SAN FRANCISCO CA 94110 2 07/23/98 00
007044771 05 09/01/98 0
007044771 O 08/01/28
0
2705688 225/225 F 263,912.00 ZZ
360 263,498.99 1
3 ANTON COURT 7.250 1,800.35 80
7.000 1,800.35 329,891.00
STONY POINT NY 10980 1 11/05/98 00
007045150 05 12/01/98 0
007045150 O 11/01/28
0
2705689 225/225 F 282,000.00 ZZ
360 280,028.87 1
21147 LUJON 7.250 1,923.74 75
7.000 1,923.74 376,000.00
NORTHVILLE MI 48167 5 08/18/98 00
007045325 05 10/01/98 0
007045325 O 09/01/28
0
2705690 225/225 F 332,000.00 ZZ
360 331,493.18 1
11218 LADY FERN COURT 7.375 2,293.05 80
7.125 2,293.05 415,000.00
SAN DIEGO CA 92131 2 10/08/98 00
007046436 03 12/01/98 0
007046436 O 11/01/28
0
2705691 225/225 F 266,850.00 ZZ
360 266,421.93 1
1
4543 WILLOW OAK TRAIL 7.125 1,797.82 95
6.875 1,797.82 280,911.00
POWDER SPRINGS GA 30127 1 10/19/98 11
007046571 03 12/01/98 30
007046571 O 11/01/28
0
2705692 225/225 F 381,850.00 ZZ
360 380,898.93 1
11470 SE CLOVER LANE 7.250 2,604.90 90
7.000 2,604.90 424,300.00
PORTLAND OR 97266 1 10/01/98 10
007046655 03 12/01/98 25
007046655 O 11/01/28
0
2705693 225/225 F 415,200.00 ZZ
360 413,955.84 1
23219 COLLINS STREET 7.500 2,903.14 80
7.250 2,903.14 519,000.00
WOODLAND HILLS CA 91367 1 08/12/98 00
007047384 05 10/01/98 0
007047384 O 09/01/28
0
2705694 225/225 F 252,000.00 ZZ
360 250,592.36 1
829 REVERE RD 7.375 1,740.51 80
7.125 1,740.51 315,000.00
GLEN ELLYN IL 60137 1 09/25/98 00
007047524 05 11/01/98 0
007047524 O 10/01/28
0
2705695 225/225 F 368,900.00 ZZ
360 368,009.71 1
1190 ST MELLION DRIVE 7.125 2,485.35 70
6.875 2,485.35 527,000.00
PRESTO PA 15142 1 09/29/98 00
007047633 03 11/01/98 0
007047633 O 10/01/28
0
2705696 225/225 F 299,600.00 ZZ
360 298,609.03 1
6 AMARANTH DRIVE 7.000 1,993.25 80
6.750 1,993.25 374,500.00
LITTLETON CO 80127 1 08/10/98 00
007047779 05 10/01/98 0
1
007047779 O 09/01/28
0
2705697 225/225 F 295,747.00 ZZ
360 295,284.17 1
10870 PHILLIPS STREET 7.250 2,017.52 79
7.000 2,017.52 375,000.00
TUSTIN CA 92782 1 10/19/98 00
007047791 03 12/01/98 0
007047791 O 11/01/28
0
2705698 225/225 F 456,000.00 ZZ
360 454,938.73 1
5769 168TH PL SE 7.125 3,072.16 72
6.875 3,072.16 640,000.00
BELLEVUE WA 98006 5 10/05/98 00
007048452 03 12/01/98 0
007048452 O 11/01/28
0
2705699 225/225 F 370,000.00 ZZ
360 366,288.09 1
1712 NEWFIELD AVENUE 6.750 2,399.81 56
6.500 2,399.81 665,000.00
STAMFORD CT 06903 5 08/21/98 00
007048625 05 10/01/98 0
007048625 O 09/01/28
0
2705700 225/225 F 404,000.00 ZZ
360 403,335.74 1
12130 MELLOWOOD DRIVE 7.000 2,687.83 80
6.750 2,687.83 505,000.00
SARATOGA CA 95070 2 10/02/98 00
007049210 05 12/01/98 0
007049210 O 11/01/28
0
2705701 225/225 F 335,000.00 ZZ
360 333,970.90 1
125 LUCCA DRIVE 7.375 2,313.77 73
7.125 2,313.77 465,000.00
SOUTH SAN FRANC CA 94080 2 08/13/98 00
007049782 05 10/01/98 0
007049782 O 09/01/28
0
1
2705702 225/225 F 296,000.00 ZZ
360 295,067.92 1
12200 LONDON GROVE COURT 7.250 2,019.25 80
7.000 2,019.25 370,000.00
MOORPARK CA 93021 1 08/24/98 00
007049989 03 10/01/98 0
007049989 O 09/01/28
0
2705703 225/225 F 330,000.00 ZZ
360 328,960.87 1
781 LAS LOMAS DRIVE 7.250 2,251.19 76
7.000 2,251.19 437,000.00
MILPITAS CA 95035 1 08/20/98 00
007051027 05 10/01/98 0
007051027 O 09/01/28
0
2705704 225/225 F 255,200.00 ZZ
360 254,810.42 1
3467 COOPER DRIVE 7.375 1,762.61 80
7.125 1,762.61 319,000.00
SANTA CLARA CA 95051 1 10/19/98 00
007051196 05 12/01/98 0
007051196 O 11/01/28
0
2705705 225/225 F 295,000.00 ZZ
360 294,288.06 1
4108 WEST 129TH STREET 7.125 1,987.47 80
6.875 1,987.47 370,000.00
LEAWOOD KS 66209 1 09/28/98 00
007051829 05 11/01/98 0
007051829 O 10/01/28
0
2705706 225/225 F 360,000.00 ZZ
360 359,436.64 1
2109 LAGUNA NEGRA LANE 7.250 2,455.83 79
7.000 2,455.83 460,000.00
ARROYO GRANDE CA 93420 2 10/29/98 00
007051917 05 12/01/98 0
007051917 O 11/01/28
0
2705707 225/225 F 510,000.00 ZZ
360 509,119.31 1
3 WHITTIER ROAD 6.750 3,307.86 80
6.500 3,307.86 645,000.00
1
LEXINGTON MA 02173 1 10/09/98 00
007052031 05 12/01/98 0
007052031 O 11/01/28
0
2705708 225/225 F 310,000.00 ZZ
360 309,270.12 1
1556 30TH AVE. WEST 7.250 2,114.75 62
7.000 2,114.75 500,000.00
SEATTLE WA 98199 5 08/31/98 00
007052137 05 11/01/98 0
007052137 O 10/01/28
0
2705709 225/225 F 250,000.00 ZZ
360 249,350.61 1
9 HARRISON WOODS COURT 6.750 1,621.50 80
6.500 1,621.50 315,000.00
NORTHPORT NY 11768 1 10/19/98 00
007052206 05 12/01/98 0
007052206 O 11/01/28
0
2705710 225/225 F 310,000.00 T
360 309,538.44 1
7612 HUNTINGTON 7.500 2,167.56 90
7.250 2,167.56 345,000.00
HILTON HEAD ISL SC 29928 1 10/01/98 10
007052540 01 12/01/98 25
007052540 O 11/01/28
0
2705711 225/225 F 420,000.00 ZZ
360 419,326.27 1
1310 EAST OCEAN BLVD. #1702 7.125 2,829.62 77
6.875 2,829.62 550,000.00
LONG BEACH CA 90802 2 10/21/98 00
007052649 01 12/01/98 0
007052649 O 11/01/28
0
2705712 225/225 F 257,800.00 ZZ
360 256,988.20 1
21311 HILLSIDE COURT 7.250 1,758.66 80
7.000 1,758.66 326,000.00
LAKE FOREST CA 92630 2 08/20/98 00
007052818 03 10/01/98 0
007052818 O 09/01/28
0
1
2705713 225/225 F 304,900.00 ZZ
360 304,446.02 1
25109 SUNSET LANE 7.500 2,131.91 73
7.250 2,131.91 418,000.00
EVERGREEN CO 80439 2 10/20/98 00
007053593 05 12/01/98 0
007053593 O 11/01/28
0
2705714 225/225 F 357,000.00 ZZ
360 356,455.01 1
7350 LA SOLDADERA 7.375 2,465.72 54
7.125 2,465.72 666,000.00
RANCHO SANTA FE CA 92067 2 10/14/98 00
007054140 05 12/01/98 0
007054140 O 11/01/28
0
2705715 225/225 F 370,000.00 ZZ
360 369,360.89 1
210 CALLE LASUEN 6.750 2,399.82 78
6.500 2,399.82 475,000.00
SAN CLEMENTE CA 92672 2 10/02/98 00
007054152 05 12/01/98 0
007054152 O 11/01/28
0
2705716 225/225 F 295,000.00 ZZ
360 294,270.30 1
14380 BOURGEOIS WAY 7.000 1,962.65 80
6.750 1,962.65 370,000.00
SAN DIEGO CA 92129 2 08/31/98 00
007054216 05 11/01/98 0
007054216 O 10/01/28
0
2705717 225/225 F 402,300.00 ZZ
360 402,016.06 1
203 W SHEARWATER #5D 7.750 2,882.13 90
7.500 2,882.13 447,000.00
JERSEY CITY NJ 07305 1 11/09/98 14
007054229 01 01/01/99 25
007054229 O 12/01/28
0
2705718 225/225 F 260,000.00 ZZ
360 259,572.51 1
1
509 SHELLY DRIVE 7.000 1,729.79 80
6.750 1,729.79 325,000.00
PLEASANT HILL CA 94523 2 10/06/98 00
007054354 05 12/01/98 0
007054354 O 11/01/28
0
2705719 225/225 F 286,000.00 ZZ
360 285,563.40 1
5249 COTTNEY CROFT WAY 7.375 1,975.34 78
7.125 1,975.34 368,000.00
NORCROSS GA 30092 2 10/23/98 00
007054419 05 12/01/98 0
007054419 O 11/01/28
0
2705720 225/225 F 300,800.00 ZZ
360 300,329.27 1
2 BLACKSTONE DRIVE 7.250 2,051.99 80
7.000 2,051.99 376,000.00
NORWALK CT 06855 1 10/09/98 00
007054530 05 12/01/98 0
007054530 O 11/01/28
0
2705721 225/225 F 243,000.00 ZZ
360 242,427.87 1
822 LAKE STREET 7.250 1,657.69 80
7.000 1,657.69 307,000.00
HUNTINGTON BEAC CA 92648 2 08/26/98 00
007054582 05 11/01/98 0
007054582 O 10/01/28
0
2705722 225/225 F 368,000.00 ZZ
360 367,409.69 1
4 CROSSBROOK COURT 7.125 2,479.28 80
6.875 2,479.28 460,000.00
HOLMDEL NJ 07733 1 10/06/98 00
007054617 05 12/01/98 0
007054617 O 11/01/28
0
2705723 225/225 F 291,000.00 ZZ
360 290,577.42 1
9312 17TH AVENUE NW 7.625 2,059.68 80
7.375 2,059.68 364,100.00
BRADENTON FL 34209 2 10/14/98 00
007054698 05 12/01/98 0
1
007054698 O 11/01/28
0
2705724 225/225 F 262,500.00 ZZ
360 262,099.27 1
28 SEAVERNS AVENUE - UNIT # 7.375 1,813.03 75
7.125 1,813.03 350,000.00
JAMAICA PLAIN MA 02130 5 09/28/98 00
007054781 01 12/01/98 0
007054781 O 11/01/28
0
2705725 225/225 F 285,500.00 ZZ
360 284,038.91 1
16046 PINNACLE ROAD 7.375 1,971.88 75
7.125 1,971.88 385,000.00
CHINO HILLS CA 91709 2 09/01/98 00
007055095 03 11/01/98 0
007055095 O 10/01/28
0
2705726 225/225 F 371,000.00 ZZ
360 370,695.89 1
45700 ADLER LANE 7.000 2,468.28 71
6.750 2,468.28 526,500.00
TEMECULA AREA CA 92590 2 10/31/98 00
007055187 05 01/01/99 0
007055187 O 12/01/28
0
2705727 225/225 F 340,000.00 ZZ
360 339,044.60 1
205 KINGSBURY DRIVE 7.000 2,262.03 68
6.750 2,262.03 500,000.00
APTOS CA 95003 5 09/01/98 00
007055777 05 11/01/98 0
007055777 O 10/01/28
0
2705728 225/225 F 372,000.00 ZZ
360 370,302.08 1
228 LA BARRABCA BEACH 7.250 2,537.70 74
7.000 2,537.70 505,000.00
SOLANA BEACH CA 92075 2 09/10/98 00
007055865 03 11/01/98 0
007055865 O 10/01/28
0
1
2705729 225/225 F 264,000.00 ZZ
360 263,408.53 1
7402 COHO DRIVE #107 7.500 1,845.93 80
7.250 1,845.93 330,000.00
HUNTINGTON BEAC CA 92648 2 09/09/98 00
007055869 01 11/01/98 0
007055869 O 10/01/28
0
2705730 225/225 F 405,000.00 ZZ
360 404,069.77 1
6715 EAST EXETER BLVD 7.375 2,797.24 75
7.125 2,797.24 540,000.00
SCOTTSDALE AZ 85251 5 09/02/98 00
007055903 05 11/01/98 0
007055903 O 10/01/28
0
2705731 225/225 F 265,000.00 ZZ
360 264,376.06 1
763 HUNTINGTON 7.250 1,807.77 80
7.000 1,807.77 331,500.00
LAKE ZURICH IL 60047 1 09/30/98 00
007055935 05 11/01/98 0
007055935 O 10/01/28
0
2705732 225/225 F 264,420.80 ZZ
360 264,016.36 1
104 ESTATES DRIVE 7.375 1,826.28 89
7.125 1,826.28 300,000.00
MCMURRAY PA 15317 2 10/23/98 04
007055954 05 12/01/98 25
007055954 O 11/01/28
0
2705733 225/225 F 297,000.00 ZZ
360 296,465.24 1
2128 WEST SURREY CIRCLE 7.125 2,000.95 90
6.875 2,000.95 330,000.00
TAYLORSVILLE UT 84118 2 10/27/98 12
007055967 05 12/01/98 25
007055967 O 11/01/28
0
2705734 225/225 F 270,000.00 ZZ
360 269,577.47 1
5221 TAPESTRY COURT 7.250 1,841.88 78
7.000 1,841.88 350,000.00
1
FAIRFEILD CA 94585 2 10/02/98 00
007055988 05 12/01/98 0
007055988 O 11/01/28
0
2705735 225/225 F 246,500.00 ZZ
360 246,123.71 1
2371 VISTA COURT 7.375 1,702.52 85
7.125 1,702.52 293,000.00
YORKTOWN HEIGHT NY 10598 2 10/09/98 11
007056389 05 12/01/98 12
007056389 O 11/01/28
0
2705737 225/225 F 288,100.00 ZZ
360 287,261.70 1
785 EAST 1870 NORTH 6.875 1,892.62 68
6.625 1,892.62 426,000.00
OREM UT 84097 2 09/29/98 00
007057023 05 11/01/98 0
007057023 O 10/01/28
0
2705738 225/225 F 353,000.00 ZZ
360 352,105.21 1
6535 LUNDIN LINKS LANE 6.875 2,318.96 75
6.625 2,318.96 475,000.00
CHARLOTTE NC 28277 2 09/28/98 00
007057047 03 11/01/98 0
007057047 O 10/01/28
0
2705739 225/225 F 255,400.00 ZZ
360 254,798.67 1
7020 VALLEY VIEW COURT 7.250 1,742.28 75
7.000 1,742.28 342,000.00
MATTHEWS NC 28105 2 09/29/98 00
007057134 03 11/01/98 0
007057134 O 10/01/28
0
2705740 225/225 F 442,000.00 ZZ
360 440,879.58 1
8403 E MERCER WAY 6.875 2,903.63 66
6.625 2,903.63 675,000.00
MERCER ISLAND WA 98040 5 09/10/98 00
007057159 05 11/01/98 0
007057159 O 10/01/28
0
1
2705741 225/225 F 376,800.00 ZZ
360 376,210.32 2
2639 NORTH BOSWORTH 7.250 2,570.45 80
7.000 2,570.45 471,000.00
CHICAGO IL 60614 1 10/15/98 00
007057363 05 12/01/98 0
007057363 O 11/01/28
0
2705743 225/225 F 390,000.00 ZZ
360 389,326.53 1
20711 MEDLEY LANE 6.750 2,529.54 71
6.500 2,529.54 554,000.00
TOPANGA CA 90290 1 10/09/98 00
007057881 05 12/01/98 0
007057881 O 11/01/28
0
2705744 225/225 F 266,000.00 ZZ
360 265,373.71 1
887 BOARDWALK PLACE 7.250 1,814.59 74
7.000 1,814.59 360,000.00
REDWOOD CITY CA 94065 5 09/21/98 00
007058243 01 11/01/98 0
007058243 O 10/01/28
0
2705745 225/225 F 326,250.00 ZZ
360 325,672.71 1
1245 STACI LANE 6.625 2,089.02 71
6.375 2,089.02 465,000.00
SULPHUR LA 70663 5 10/16/98 00
007058675 05 12/01/98 0
007058675 O 11/01/28
0
2705746 225/225 F 410,000.00 ZZ
360 409,291.99 1
2457 NE 25TH STREET 6.750 2,659.26 58
6.500 2,659.26 710,000.00
POMPANO BEACH FL 33064 2 10/06/98 00
007058689 05 12/01/98 0
007058689 O 11/01/28
0
2705747 225/225 F 368,100.00 ZZ
360 367,494.78 1
1
100 WAKEMAN ROAD 7.000 2,448.98 90
6.750 2,448.98 409,000.00
FAIRFIELD CT 06430 1 10/15/98 14
007058710 05 12/01/98 25
007058710 O 11/01/28
0
2705748 225/225 F 350,000.00 T
360 349,438.55 1
13 LYONS LANE 7.125 2,358.02 68
6.875 2,358.02 515,000.00
NATUCKET MA 02554 1 10/23/98 00
007059019 05 12/01/98 0
007059019 O 11/01/28
0
2705749 225/225 F 645,600.00 ZZ
360 643,922.80 1
108 FAIRWAY VALLEY COURT 6.750 4,187.35 75
6.500 4,187.35 865,000.00
CARY NC 27513 2 09/30/98 00
007059123 05 11/01/98 0
007059123 O 10/01/28
0
2705750 225/225 F 253,700.00 ZZ
360 253,302.97 1
2111 SAND ISLAND COURT 7.250 1,730.69 95
7.000 1,730.69 268,000.00
NAPERVILLE IL 60564 1 10/19/98 12
007059244 03 12/01/98 30
007059244 O 11/01/28
0
2705751 225/225 F 280,000.00 T
360 279,770.48 1
321 SIERRA VISTA DRIVE 7.000 1,862.85 60
6.750 1,862.85 470,000.00
CARBONDALE CO 81623 2 11/09/98 00
007059299 03 01/01/99 0
007059299 O 12/01/28
0
2705752 225/225 F 340,000.00 ZZ
360 339,163.01 1
23506 BLYTHE STREET 7.625 2,406.50 80
7.375 2,406.50 425,000.00
LOS ANGELES CA 91304 2 10/16/98 00
007059405 05 12/01/98 0
1
007059405 O 11/01/28
0
2705753 225/225 F 495,200.00 ZZ
360 493,882.04 1
25 WILLIAMS ROAD 6.625 3,170.82 80
6.375 3,170.82 619,000.00
WAYLAND MA 01778 1 09/29/98 00
007059506 05 11/01/98 0
007059506 O 10/01/28
0
2705754 225/225 F 303,000.00 ZZ
360 302,525.83 1
2285 MARINA BLVD 7.250 2,067.00 87
7.000 2,067.00 352,000.00
SAN LEANDRO CA 94577 2 10/05/98 14
007059532 03 12/01/98 25
007059532 O 11/01/28
0
2705756 225/225 F 500,000.00 ZZ
360 499,157.46 1
101 16TH STREET 6.875 3,284.65 86
6.625 3,284.65 585,000.00
HERMOSA BEACH CA 90254 1 10/06/98 04
007060293 05 12/01/98 25
007060293 O 11/01/28
0
2705757 225/225 F 280,000.00 ZZ
360 279,786.93 1
505 N LAKE SHORE DRIVE 7.375 1,933.90 60
7.125 1,933.90 469,000.00
CHICAGO IL 60611 2 11/16/98 00
007060471 01 01/01/99 0
007060471 O 12/01/28
0
2705758 225/225 F 283,500.00 ZZ
360 282,798.75 1
107 FONTAINBLEAU 7.000 1,886.14 70
6.750 1,886.14 410,000.00
MANDEVILLE LA 70471 2 09/22/98 00
007060547 03 11/01/98 0
007060547 O 10/01/28
0
1
2705759 225/225 F 284,000.00 ZZ
360 283,385.29 1
3421 CLAREMORE AVENUE 7.250 1,937.39 80
7.000 1,937.39 355,000.00
LONG BEACH CA 90808 2 10/21/98 00
007060709 05 12/01/98 0
007060709 O 11/01/28
0
2705760 225/225 F 472,000.00 ZZ
360 471,184.93 1
11 WILDWOOD ROAD 6.750 3,061.39 80
6.500 3,061.39 590,000.00
STAMFORD CT 06903 1 11/02/98 00
007060729 05 12/01/98 0
007060729 O 11/01/28
0
2705763 225/225 F 293,000.00 ZZ
360 292,327.03 1
1782 SOUTHWOOD DRIVE 7.375 2,023.68 76
7.125 2,023.68 387,000.00
SAN LUIS OBISPO CA 93401 2 09/30/98 00
007061335 05 11/01/98 0
007061335 O 10/01/28
0
2705764 225/225 F 259,350.00 ZZ
360 258,923.56 1
13094 SILVER CREEK STREET 7.000 1,725.47 91
6.750 1,725.47 288,100.00
MOORPARK CA 93021 1 10/21/98 04
007061585 03 12/01/98 30
007061585 O 11/01/28
0
2705766 225/225 F 415,000.00 ZZ
300 413,484.29 1
10 COBB ISLAND DRIVE 7.125 2,966.31 17
6.875 2,966.31 2,520,000.00
GREENWICH CT 06830 5 09/24/98 00
007062060 05 11/01/98 0
007062060 O 10/01/23
0
2705767 225/225 F 290,000.00 ZZ
360 284,985.12 1
538 RIVERSHIRE PLACE 7.250 1,978.32 67
7.000 1,978.32 437,000.00
1
LINCOLNSHIRE IL 60069 2 09/29/98 00
007062342 03 11/01/98 0
007062342 O 10/01/28
0
2705768 225/225 F 635,000.00 ZZ
360 634,006.29 1
32 CHESTNUT STREET 7.250 4,331.82 71
7.000 4,331.82 903,500.00
WELLESLEY MA 02181 5 10/08/98 00
007062433 05 12/01/98 0
007062433 O 11/01/28
0
2705769 225/225 F 248,000.00 T
360 247,355.83 1
15292 DEVON GREEN 6.750 1,608.52 80
6.500 1,608.52 310,000.00
NAPLES FL 34110 1 09/30/98 00
007062844 03 11/01/98 0
007062844 O 10/01/28
0
2705770 225/225 F 248,000.00 ZZ
360 247,519.27 1
117 CRABAPPLE ROAD 6.375 1,547.20 80
6.125 1,547.20 310,000.00
TRUMBULL CT 06611 1 10/09/98 00
007062950 05 12/01/98 0
007062950 O 11/01/28
0
2705771 225/225 F 336,000.00 ZZ
360 335,001.71 1
3819 PASEO DE LAS TORTUGA 7.125 2,263.69 80
6.875 2,263.69 420,000.00
TORRANCE CA 90505 1 09/15/98 00
007063043 05 11/01/98 0
007063043 O 10/01/28
0
2705772 225/225 F 327,000.00 T
360 326,488.26 1
6 SOUTH 8TH STREET 7.250 2,230.72 79
7.000 2,230.72 415,000.00
BETHANY BEACH DE 19930 2 10/31/98 00
007063231 05 12/01/98 0
007063231 O 11/01/28
0
1
2705773 225/225 F 502,800.00 ZZ
360 501,993.45 1
11986 NORTH 134TH PLACE 7.125 3,387.46 80
6.875 3,387.46 628,511.00
SCOTTSDALE AZ 85259 1 10/16/98 00
007063239 03 12/01/98 0
007063239 O 11/01/28
0
2705774 225/225 F 255,000.00 ZZ
360 254,580.72 1
7560 NW HOOD VIEW CIRCLE 7.000 1,696.53 75
6.750 1,696.53 340,000.00
CORVALLIS OR 97330 5 10/02/98 00
007063534 05 12/01/98 0
007063534 O 11/01/28
0
2705775 225/225 F 353,000.00 ZZ
360 352,419.61 1
685 SAPLING LANE 7.000 2,348.52 75
6.750 2,348.52 475,000.00
DEERFIELD IL 60015 2 10/07/98 00
007063729 05 12/01/98 0
007063729 O 11/01/28
0
2705776 225/225 F 496,000.00 ZZ
360 495,184.47 1
936 OAK DRIVE 7.000 3,299.91 80
6.750 3,299.91 620,000.00
GLENCOE IL 60022 2 10/06/98 00
007063732 05 12/01/98 0
007063732 O 11/01/28
0
2705777 225/225 F 307,500.00 ZZ
360 306,994.24 1
2015 DEWES 7.000 2,045.81 75
6.750 2,045.81 410,000.00
GLENVIEW IL 60025 5 10/07/98 00
007063736 05 12/01/98 0
007063736 O 11/01/28
0
2705778 225/225 F 500,000.00 ZZ
360 499,177.91 1
1
52 WAYSIDE PLACE 7.000 3,326.52 70
6.750 3,326.52 720,000.00
MONTCLAIR NJ 07042 5 10/07/98 00
007063749 05 12/01/98 0
007063749 O 11/01/28
0
2705779 225/225 F 350,000.00 ZZ
360 349,424.54 1
878 DRYDEN 7.000 2,328.56 61
6.750 2,328.56 580,000.00
HIGHLAND PARK IL 60035 2 10/07/98 00
007063789 05 12/01/98 0
007063789 O 11/01/28
0
2705780 225/225 F 392,000.00 ZZ
360 391,678.68 1
600 EUCLID COURT 7.000 2,607.99 80
6.750 2,607.99 490,000.00
HIGHLAND PARK IL 60055 2 11/04/98 00
007063866 05 01/01/99 0
007063866 O 12/01/28
0
2705781 225/225 F 350,000.00 ZZ
360 349,369.83 1
2051 CLAVEY ROAD 7.125 2,358.02 66
6.875 2,358.02 535,000.00
HIGHLAND PARK IL 60035 2 10/28/98 00
007063870 05 12/01/98 0
007063870 O 11/01/28
0
2705782 225/225 F 386,000.00 ZZ
360 385,045.24 1
885 CORTBRIDGE ROAD 7.000 2,568.07 78
6.750 2,568.07 500,000.00
INVERNESS IL 60067 2 09/25/98 00
007063896 05 11/01/98 0
007063896 O 10/01/28
0
2705783 225/225 F 502,000.00 ZZ
360 501,174.62 1
37 PINE HILL AVE 7.000 3,339.82 80
6.750 3,339.82 627,500.00
NORWALK CT 06855 1 10/23/98 00
007064078 05 12/01/98 0
1
007064078 O 11/01/28
0
2705784 225/225 F 252,000.00 ZZ
360 251,575.35 1
8006 HOGAN DRIVE 6.875 1,655.47 80
6.625 1,655.47 315,000.00
WAKE FOREST NC 27587 2 10/07/98 00
007064298 03 12/01/98 0
007064298 O 11/01/28
0
2705785 225/225 F 291,000.00 ZZ
360 290,577.42 1
3149 EAST DESERT BROOM WA 7.625 2,059.68 75
7.375 2,059.68 388,000.00
PHOENIX AZ 85048 5 10/15/98 00
007064342 03 12/01/98 0
007064342 O 11/01/28
0
2705786 225/225 F 278,600.00 ZZ
360 277,908.78 1
1933 WINDMOOR PLACE 7.250 1,900.54 63
7.000 1,900.54 445,000.00
ST LOUIS MO 63131 5 09/24/98 00
007064407 05 11/01/98 0
007064407 O 10/01/28
0
2705787 225/225 F 283,000.00 ZZ
360 282,523.12 1
668 VIA MARQUESA 6.875 1,859.11 79
6.625 1,859.11 360,000.00
CAMARILLO CA 93012 2 09/27/98 00
007064504 05 12/01/98 0
007064504 O 11/01/28
0
2705788 225/225 F 247,000.00 ZZ
360 246,432.68 1
271 FREEMAN PARKWAY 7.375 1,705.97 80
7.125 1,705.97 309,000.00
PROVIDENCE RI 02906 1 09/25/98 00
007064513 05 11/01/98 0
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1
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360 354,114.83 1
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IRVINE CA 92620 1 09/25/98 04
007064990 05 11/01/98 25
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0
2705791 225/225 F 313,100.00 ZZ
360 312,464.40 1
30600 NORTH PIMA ROAD 7.000 2,083.07 60
6.750 2,083.07 530,000.00
SCOTTSDALE AZ 85262 2 10/27/98 00
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0
2705792 225/225 F 339,600.00 ZZ
360 339,094.34 1
6 JUNIPER ROAD 7.500 2,374.54 80
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SHARON MA 02067 1 11/03/98 00
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0
2705793 225/225 F 262,000.00 ZZ
360 261,589.98 1
5847 FALON WAY 7.250 1,787.31 80
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SAN JOSE CA 95123 1 10/13/98 00
007065758 05 12/01/98 0
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0
2705794 225/225 F 293,750.00 ZZ
360 293,100.26 1
16559 SW MARCILE LANE 6.750 1,905.26 95
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BEAVERTON OR 97007 1 10/14/98 10
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0
2705795 225/225 F 550,000.00 ZZ
360 548,639.58 1
2030 ACACIA AVENUE 7.000 3,659.17 74
6.750 3,659.17 750,000.00
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FULLERTON CA 92831 1 09/26/98 00
007066419 05 11/01/98 0
007066419 O 10/01/28
0
2705796 225/225 F 550,000.00 ZZ
360 549,095.69 1
2176 EAST VALLEY ROAD 7.000 3,659.17 74
6.750 3,659.17 750,000.00
SANTA BARBARA CA 93108 1 09/30/98 00
007066504 05 12/01/98 0
007066504 O 11/01/28
0
2705797 225/225 F 431,250.00 ZZ
360 430,896.50 1
10 BIRKDALE WAY 7.000 2,869.12 72
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COTO DE CAZA CA 92679 5 10/31/98 00
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0
2705798 225/225 F 521,200.00 ZZ
360 520,299.98 1
1428 BROOKMILL ROAD 6.750 3,380.50 70
6.500 3,380.50 745,000.00
LOS ALTOS CA 95024 5 10/05/98 00
007066808 05 12/01/98 0
007066808 O 11/01/28
0
2705799 225/225 F 430,250.00 ZZ
360 429,922.61 1
9623 173RD PL NE 7.375 2,971.63 90
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REDMOND WA 98005 1 11/05/98 10
007067015 03 01/01/99 25
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0
2705800 225/225 F 247,200.00 ZZ
360 246,783.45 1
10984 OAKWOOD DRIVE 6.875 1,623.93 80
6.625 1,623.93 310,000.00
GOODYEAR AZ 85338 2 10/06/98 00
007067655 03 12/01/98 0
007067655 O 11/01/28
0
1
2705801 225/225 F 337,500.00 ZZ
360 336,387.27 1
2027 NE LAKEVIEW DR 6.875 2,217.14 75
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SEBRING FL 33870 2 09/29/98 00
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0
2705802 225/225 F 393,750.00 T
360 393,148.94 1
1908 SOUTH BEACH CLUB 7.375 2,719.53 90
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HILTON HEAD SC 29928 1 10/02/98 11
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007067853 O 11/01/28
0
2705803 225/225 F 276,200.00 ZZ
360 275,767.76 1
350 SE CRYSTAL CREEK CIRCLE 7.250 1,884.18 85
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ISSAQUAH WA 98027 2 10/02/98 10
007068089 05 12/01/98 12
007068089 O 11/01/28
0
2705804 225/225 F 472,500.00 ZZ
360 467,157.17 1
10083 GREAT PLAINS BLVD 7.000 3,143.56 75
6.750 3,143.56 630,000.00
CHASKA MN 55318 5 09/24/98 00
007068282 05 11/01/98 0
007068282 O 10/01/28
0
2705805 225/225 F 339,000.00 ZZ
360 338,316.78 2
6330- 6332 W 6TH ST 6.875 2,226.99 70
6.625 2,226.99 485,000.00
LOS ANGELES CA 90048 2 10/14/98 00
007068835 05 12/01/98 0
007068835 O 11/01/28
0
2705806 225/225 F 326,000.00 ZZ
360 325,437.06 1
1
4361 MANORVIEW COURT 6.750 2,114.43 66
6.500 2,114.43 500,000.00
MOORPARK CA 93021 2 10/01/98 00
007069059 03 12/01/98 0
007069059 O 11/01/28
0
2705807 225/225 F 273,500.00 ZZ
360 273,072.01 1
909 SOUTH 164TH STREET 7.250 1,865.75 79
7.000 1,865.75 350,000.00
OMAHA NE 68118 2 10/10/98 00
007069195 05 12/01/98 0
007069195 O 11/01/28
0
2705808 225/225 F 340,000.00 ZZ
360 339,138.15 1
3255 EAST MCKELL COURT 6.875 2,233.56 78
6.625 2,233.56 440,000.00
SALT LAKE CITY UT 84121 1 09/28/98 00
007069390 05 11/01/98 0
007069390 O 10/01/28
0
2705809 225/225 F 295,750.00 ZZ
360 295,175.35 1
8713 RANGELY AVENUE 7.125 1,992.53 70
6.875 1,992.53 422,500.00
WEST HOLLYWOOD CA 90048 1 10/20/98 00
007069586 05 12/01/98 0
007069586 O 11/01/28
0
2705810 225/225 F 332,000.00 T
360 331,467.42 1
MONTERREY UNIT 1606 7.125 2,236.75 80
6.875 2,236.75 415,000.00
MARCO ISLAND FL 34145 1 10/23/98 00
007069664 01 12/01/98 0
007069664 O 11/01/28
0
2705812 225/225 F 436,800.00 ZZ
360 436,045.72 1
15721 CONDOR RIDGE ROAD 6.750 2,833.08 80
6.500 2,833.08 546,000.00
CANYON COUNTRY CA 91351 1 10/05/98 00
007070205 03 12/01/98 0
1
007070205 O 11/01/28
0
2705813 225/225 F 292,400.00 ZZ
360 291,964.64 1
13 MOORE ROAD 7.500 2,044.50 90
7.250 2,044.50 324,900.00
MONTVILLE NJ 07045 1 10/14/98 14
007070285 05 12/01/98 25
007070285 O 11/01/28
0
2705814 225/225 F 380,000.00 ZZ
360 379,461.86 1
7613 ROCKY LANE 7.750 2,722.37 68
7.500 2,722.37 560,000.00
PARKLAND FL 33607 2 10/19/98 00
007070366 05 12/01/98 0
007070366 O 11/01/28
0
2705815 225/225 F 356,250.00 ZZ
360 355,678.51 1
32 MANCERA 7.125 2,400.13 75
6.875 2,400.13 475,000.00
RCHO SNTA MARG. CA 92688 2 10/07/98 00
007070720 03 12/01/98 0
007070720 O 11/01/28
0
2705818 225/225 F 339,000.00 ZZ
360 338,428.77 1
3108 VIA LA SELVA 6.875 2,226.99 51
6.625 2,226.99 673,500.00
PALOS VERDES ES CA 90274 2 10/20/98 00
007071073 03 12/01/98 0
007071073 O 11/01/28
0
2705819 225/225 F 287,200.00 ZZ
360 286,761.58 1
2440 CLARJON DRIVE 7.375 1,983.62 80
7.125 1,983.62 359,057.00
MANCHESTER MO 63021 1 10/23/98 00
007071277 05 12/01/98 0
007071277 O 11/01/28
0
1
2705820 225/225 F 441,000.00 ZZ
360 440,274.91 1
2736 EL PRADO ROAD 7.000 2,933.99 70
6.750 2,933.99 630,000.00
BURLINGAME CA 94010 5 10/19/98 00
007071308 03 12/01/98 0
007071308 O 11/01/28
0
2705821 225/225 F 290,000.00 ZZ
360 289,172.39 1
107 BLOSSOM WAY 6.750 1,880.94 56
6.500 1,880.94 520,000.00
SCOTTS VALLEY CA 95066 2 10/06/98 00
007071331 05 12/01/98 0
007071331 O 11/01/28
0
2705824 225/225 F 276,000.00 ZZ
360 275,568.08 1
7223 SOUTH SOURDOUGH DRIV 7.250 1,882.81 68
7.000 1,882.81 408,000.00
MORRISON CO 80465 2 10/22/98 00
007071603 05 12/01/98 0
007071603 O 11/01/28
0
2705825 225/225 F 400,000.00 ZZ
360 399,325.97 1
2451 TUXEDO LANE 6.875 2,627.72 79
6.625 2,627.72 510,000.00
MARIETTA GA 30064 1 10/27/98 00
007071623 05 12/01/98 0
007071623 O 11/01/28
0
2705826 225/225 F 326,500.00 ZZ
360 325,936.18 1
26 CORINTHIAN WALK 6.750 2,117.68 66
6.500 2,117.68 495,000.00
LONG BEACH CA 90803 2 09/29/98 00
007071819 05 12/01/98 0
007071819 O 11/01/28
0
2705827 225/225 F 352,000.00 ZZ
360 351,416.41 1
9283 CEDAR TRAILS LANE 8.250 2,644.46 80
8.000 2,644.46 440,000.00
1
VALLEY CENTER CA 92082 2 10/03/98 00
007071891 03 12/01/98 0
007071891 O 11/01/28
0
2705828 225/225 F 530,000.00 ZZ
360 528,718.73 1
6666 MICHAELJOHN DRIVE 7.125 3,570.71 74
6.875 3,570.71 720,000.00
SAN DIEGO CA 92037 2 10/05/98 00
007071927 05 12/01/98 0
007071927 O 11/01/28
0
2705829 225/225 F 300,000.00 ZZ
360 299,530.53 1
6455 SQUIRE CANYON 7.250 2,046.53 73
7.000 2,046.53 415,000.00
SAN LUIS OBISPO CA 93401 5 10/15/98 00
007071944 05 12/01/98 0
007071944 O 11/01/28
0
2705830 225/225 F 255,000.00 ZZ
360 254,785.77 1
3516 EAST SUNCREST COURT 6.875 1,675.17 56
6.625 1,675.17 460,000.00
PHOENIX AZ 85044 2 11/02/98 00
007071955 03 01/01/99 0
007071955 O 12/01/28
0
2705831 225/225 F 327,200.00 ZZ
360 326,675.13 1
4561 HEATHER GLEN COURT 7.125 2,204.41 90
6.875 2,204.41 364,000.00
MOORPARK CA 93021 1 10/05/98 04
007072219 05 12/01/98 25
007072219 O 11/01/28
0
2705832 225/225 F 253,000.00 ZZ
360 252,293.60 1
22996 ASHWOOD 7.125 1,704.51 75
6.875 1,704.51 337,500.00
LAKE FOREST CA 92630 2 10/28/98 00
007072521 03 12/01/98 0
007072521 O 11/01/28
0
1
2705833 225/225 F 300,000.00 ZZ
360 299,494.48 1
22431 FOUNDERS DRIVE 6.875 1,970.79 60
6.625 1,970.79 500,000.00
CALABASAS CA 91364 1 10/16/98 00
007072732 05 12/01/98 0
007072732 O 11/01/28
0
2705834 225/225 F 270,000.00 ZZ
360 269,761.78 1
38 PEOPLES LINE ROAD 6.625 1,728.84 67
6.375 1,728.84 407,652.00
FRANKLIN TOWNSH NJ 08823 1 11/18/98 00
007072778 05 01/01/99 0
007072778 O 12/01/28
0
2705836 225/225 F 500,000.00 ZZ
360 499,136.58 1
9 CLAREMONT LANE 6.750 3,243.00 70
6.500 3,243.00 721,000.00
COTO DE CAZA AR CA 92679 5 10/20/98 00
007072890 03 12/01/98 0
007072890 O 11/01/28
0
2705837 225/225 F 368,000.00 ZZ
360 367,712.92 1
11 BRIAN COURT 7.250 2,510.41 80
7.000 2,510.41 460,000.00
NORTHPORT NY 11768 1 11/06/98 00
007072929 05 01/01/99 0
007072929 O 12/01/28
0
2705838 225/225 F 424,500.00 ZZ
360 423,802.05 1
2712 REGATTA DR 7.000 2,824.21 79
6.750 2,824.21 540,000.00
PLANO TX 75093 2 10/23/98 00
007072977 05 12/01/98 0
007072977 O 11/01/28
0
2705839 225/225 F 262,000.00 ZZ
360 261,579.71 1
1
1108 STEARNS DRIVE 7.125 1,765.15 72
6.875 1,765.15 365,000.00
LOS ANGELES CA 90035 2 10/14/98 00
007073047 05 12/01/98 0
007073047 O 11/01/28
0
2705840 225/225 F 243,000.00 ZZ
360 242,610.19 1
3810 S TIMBER ST 7.125 1,637.14 90
6.875 1,637.14 270,000.00
SANTA ANA CA 92707 1 10/01/98 12
007073253 05 12/01/98 25
007073253 O 11/01/28
0
2705841 225/225 F 312,000.00 ZZ
360 311,461.23 1
351 MONTESERRAT DRIVE 6.750 2,023.63 57
6.500 2,023.63 550,000.00
REDWOOD CITY CA 94065 2 10/02/98 00
007073277 03 12/01/98 0
007073277 O 11/01/28
0
2705842 225/225 F 274,500.00 ZZ
360 274,080.96 1
59 GLENDALE DRIVE 7.375 1,895.91 90
7.125 1,895.91 305,000.00
STAMFORD CT 06907 1 10/15/98 14
007073283 05 12/01/98 25
007073283 O 11/01/28
0
2705843 225/225 F 276,550.00 ZZ
360 276,311.89 1
106 COMMONS WAY 6.750 1,793.70 80
6.500 1,793.70 346,197.00
CHAPEL HILL NC 27516 1 11/13/98 00
007073335 03 01/01/99 0
007073335 O 12/01/28
0
2705844 225/225 F 450,000.00 ZZ
360 449,190.74 1
1156 HAPPY VALLEY AVENUE 6.750 2,918.70 75
6.500 2,918.70 600,000.00
SAN JOSE CA 95129 5 10/20/98 00
007073493 05 12/01/98 0
1
007073493 O 11/01/28
0
2705845 225/225 F 650,000.00 ZZ
360 649,440.36 1
745 HIGHLAND AVE 6.750 4,215.89 58
6.500 4,215.89 1,140,000.00
BOULDER CO 80302 5 11/06/98 00
007073504 05 01/01/99 0
007073504 O 12/01/28
0
2705846 225/225 F 339,500.00 ZZ
360 339,007.00 1
210 CAMBRIDGE AVENUE 7.625 2,402.96 70
7.375 2,402.96 485,000.00
KENSINGTON CA 94708 5 10/07/98 00
007073679 05 12/01/98 0
007073679 O 11/01/28
0
2705847 225/225 F 391,000.00 ZZ
360 390,357.11 1
380 EDISON PLACE 7.000 2,601.34 79
6.750 2,601.34 495,000.00
SUPERIOR CO 80027 2 10/12/98 00
007073888 05 12/01/98 0
007073888 O 11/01/28
0
2705848 225/225 F 324,500.00 ZZ
360 323,953.18 1
11513 NORTH COPPERBELLE PL 6.875 2,131.74 80
6.625 2,131.74 410,000.00
ORO VALLEY AZ 85737 2 10/15/98 00
007074050 03 12/01/98 0
007074050 O 11/01/28
0
2705849 225/225 F 340,000.00 ZZ
360 339,412.87 1
6600 WEST 20TH STREET #31 6.750 2,205.24 71
6.500 2,205.24 480,000.00
GREELEY CO 80634 1 10/30/98 00
007074139 03 12/01/98 0
007074139 O 11/01/28
0
1
2705850 225/225 F 420,000.00 T
360 419,256.83 1
560 MTN VILLAGE BLVD 201 6.625 2,689.31 80
6.375 2,689.31 525,000.00
TELLURIDE CO 81435 1 10/23/98 00
007074223 01 12/01/98 0
007074223 O 11/01/28
0
2705851 225/225 F 380,500.00 ZZ
360 379,462.47 1
26412 BROKEN BIT LANE 6.500 2,405.02 51
6.250 2,405.02 750,000.00
LAGUNA HILLS CA 92653 2 10/27/98 00
007074251 03 12/01/98 0
007074251 O 11/01/28
0
2705852 225/225 F 296,250.00 ZZ
360 295,738.42 1
1634 NORTH 35TH AVENUE COURT 6.750 1,921.48 75
6.500 1,921.48 395,000.00
GREELEY CO 80631 2 10/28/98 00
007074431 05 12/01/98 0
007074431 O 11/01/28
0
2705853 225/225 F 580,000.00 ZZ
360 579,022.67 1
5803 GREEN OAK DRIVE 6.875 3,810.19 80
6.625 3,810.19 725,000.00
LITTLETON CO 80121 2 10/26/98 00
007074435 03 12/01/98 0
007074435 O 11/01/28
0
2705854 225/225 F 260,000.00 ZZ
360 259,551.02 1
119 COMSTOCK HILL ROAD 6.750 1,686.36 70
6.500 1,686.36 375,000.00
NORWALK CT 06851 1 10/30/98 00
007074615 05 12/01/98 0
007074615 O 11/01/28
0
2705855 225/225 F 407,000.00 ZZ
360 406,297.18 1
4045 WELLINGTON MIST POINT 6.750 2,639.80 90
6.500 2,639.80 452,332.00
1
DULUTH GA 30097 1 10/13/98 14
007074726 03 12/01/98 25
007074726 O 11/01/28
0
2705856 225/225 F 249,300.00 ZZ
360 249,085.35 1
5 ROYAL CROWN COURT 6.750 1,616.96 90
6.500 1,616.96 277,000.00
GAITHERSBURG MD 20878 1 11/12/98 10
007074806 03 01/01/99 25
007074806 O 12/01/28
0
2705857 225/225 F 248,000.00 ZZ
360 247,571.76 1
9245 SOUTH JUNIPER STREET 6.750 1,608.52 80
6.500 1,608.52 310,000.00
TEMPE AZ 85284 1 10/19/98 00
007074812 05 12/01/98 0
007074812 O 11/01/28
0
2705858 225/225 F 325,000.00 ZZ
360 324,733.59 1
5115 NORTH HIGHWAY 89 7.000 2,162.24 59
6.750 2,162.24 560,000.00
PRESCOTT AZ 86301 1 11/06/98 00
007074859 05 01/01/99 0
007074859 O 12/01/28
0
2705859 225/225 F 272,000.00 ZZ
360 271,563.67 1
8505 EAST TEMPLE DR #504 7.125 1,832.52 70
6.875 1,832.52 390,000.00
DENVER CO 80237 1 10/29/98 00
007074979 03 12/01/98 0
007074979 O 11/01/28
0
2705860 225/225 F 300,000.00 ZZ
360 299,506.75 1
5987 SOUTH NOME STREET 7.000 1,995.91 75
6.750 1,995.91 400,000.00
ENGLEWOOD CO 80111 5 10/26/98 00
007074989 05 12/01/98 0
007074989 O 11/01/28
0
1
2705861 225/225 F 293,000.00 ZZ
360 292,092.91 1
5438 EAST CHOLLA STREET 6.750 1,900.40 78
6.500 1,900.40 380,000.00
SCOTTSDALE AZ 85254 2 10/27/98 00
007075104 05 12/01/98 0
007075104 O 11/01/28
0
2705862 225/225 F 325,000.00 ZZ
360 324,691.62 1
2275 OLD MINER ROAD 6.250 2,001.09 77
6.000 2,001.09 425,000.00
PRESCOTT AZ 86303 1 11/09/98 00
007075144 05 01/01/99 0
007075144 O 12/01/28
0
2705863 225/225 F 420,000.00 ZZ
360 419,309.43 1
3056 EAST COBBLE STREAM 7.000 2,794.28 73
6.750 2,794.28 580,000.00
SANDY UT 84093 2 10/28/98 00
007075177 05 12/01/98 0
007075177 O 11/01/28
0
2705864 225/225 F 250,000.00 ZZ
360 249,557.64 1
5429 EAST MERCER LANE 6.625 1,600.78 60
6.375 1,600.78 418,000.00
PHOENIX AZ 85254 5 10/23/98 00
007075248 05 12/01/98 0
007075248 O 11/01/28
0
2705865 225/225 F 316,000.00 ZZ
360 315,493.08 1
3886 PROMONTORY COURT 7.125 2,128.96 79
6.875 2,128.96 400,000.00
BOULDER CO 80304 2 10/26/98 00
007075274 03 12/01/98 0
007075274 O 11/01/28
0
2705866 225/225 F 300,000.00 ZZ
360 299,494.48 1
1
3207 RIVA RIDGE COURT 6.875 1,970.79 93
6.625 1,970.79 325,000.00
BOWIE MD 20721 1 10/06/98 11
007075603 05 12/01/98 30
007075603 O 11/01/28
0
2705867 225/225 F 250,000.00 ZZ
360 249,598.97 1
16487 NORTH 106TH PLACE 7.125 1,684.30 79
6.875 1,684.30 320,000.00
SCOTTSDALE AZ 85259 2 10/13/98 00
007075643 03 12/01/98 0
007075643 O 11/01/28
0
2705868 225/225 F 360,000.00 T
360 359,436.62 1
2221 TWIN LAKES ROAD 7.250 2,455.84 90
7.000 2,455.84 400,000.00
SHOHOLA PA 18456 1 10/20/98 14
007075681 05 12/01/98 35
007075681 O 11/01/28
0
2705869 225/225 F 312,000.00 ZZ
360 311,461.23 1
2505 EAST LEHI ROAD #18 6.750 2,023.63 80
6.500 2,023.63 390,000.00
MESA AZ 85213 2 10/29/98 00
007075753 03 12/01/98 0
007075753 O 11/01/28
0
2705870 225/225 F 325,300.00 ZZ
360 324,790.93 1
7249 SOUTH OAK CREEK 7.250 2,219.12 71
7.000 2,219.12 460,000.00
WEST BLOOMFIELD MI 48323 2 10/29/98 00
007075764 01 12/01/98 0
007075764 O 11/01/28
0
2705871 225/225 F 380,000.00 ZZ
360 379,131.80 1
32527 BOWMAN KNOLL DRIVE 6.750 2,464.68 65
6.500 2,464.68 585,000.00
WESTLAKE VILLAG CA 91361 2 10/29/98 00
007075919 05 12/01/98 0
1
007075919 O 11/01/28
0
2705872 225/225 F 460,000.00 ZZ
360 459,262.10 1
116 ALBERT COURT 7.125 3,099.11 60
6.875 3,099.11 775,000.00
LOS GATOS CA 95032 5 10/22/98 00
007075948 05 12/01/98 0
007075948 O 11/01/28
0
2705873 225/225 F 357,000.00 ZZ
360 355,745.28 1
690 CHESTNUT STREET 6.500 2,256.49 80
6.250 2,256.49 450,000.00
SAN FRANCISCO CA 94133 2 10/23/98 00
007075956 01 12/01/98 0
007075956 O 11/01/28
0
2705874 225/225 F 307,000.00 ZZ
360 306,482.67 1
736 GATEVIEW AVENUE 6.875 2,016.78 74
6.625 2,016.78 420,000.00
ALBANY CA 94706 2 10/16/98 00
007076007 05 12/01/98 0
007076007 O 11/01/28
0
2705876 225/225 F 352,000.00 ZZ
360 351,298.83 1
7928 SE 76TH ST 6.500 2,224.88 68
6.250 2,224.88 520,000.00
MERCER ISLAND WA 98040 2 10/23/98 00
007076077 05 12/01/98 0
007076077 O 11/01/28
0
2705877 225/225 F 248,000.00 ZZ
360 247,611.89 1
2535 TIMBER CREEK TRAIL 7.250 1,691.80 80
7.000 1,691.80 310,000.00
OXNARD CA 93030 2 10/22/98 00
007076103 05 12/01/98 0
007076103 O 11/01/28
0
1
2705878 225/225 F 266,000.00 ZZ
360 265,787.28 1
22902 SPRINGWATER 7.125 1,792.10 84
6.875 1,792.10 320,000.00
LAKE FOREST CA 92630 2 11/03/98 04
007076405 03 01/01/99 12
007076405 O 12/01/28
0
2705879 225/225 F 416,000.00 ZZ
360 414,996.05 1
376 WESTOVER ROAD 7.125 2,802.67 80
6.875 2,802.67 520,000.00
STAMFORD CT 06902 2 10/21/98 00
007076448 05 12/01/98 0
007076448 O 11/01/28
0
2705880 225/225 F 364,000.00 ZZ
360 363,386.62 1
823 ACKERMAN DRIVE 6.875 2,391.23 80
6.625 2,391.23 455,000.00
DANVILLE CA 94526 1 10/16/98 00
007076503 05 12/01/98 0
007076503 O 11/01/28
0
2705881 225/225 F 576,000.00 ZZ
360 575,224.00 1
3643 OCEANHILL WAY 6.875 3,783.91 79
6.625 3,783.91 735,000.00
MALIBU AREA CA 90265 2 10/30/98 00
007076509 05 01/01/99 0
007076509 O 12/01/28
0
2705882 225/225 F 261,000.00 ZZ
360 260,780.72 1
625 FLORA VISTA DRIVE 6.875 1,714.59 66
6.625 1,714.59 400,000.00
SANTA BARBARA CA 93109 1 10/29/98 00
007076514 05 01/01/99 0
007076514 O 12/01/28
0
2705883 225/225 F 640,000.00 ZZ
360 639,462.32 1
115 RIVERSIDE AVENUE 6.875 4,204.35 80
6.625 4,204.35 800,000.00
1
GREENWICH CT 06878 1 11/05/98 00
007076520 05 01/01/99 0
007076520 O 12/01/28
0
2705884 225/225 F 304,800.00 ZZ
360 304,286.39 1
5732 CLAREDON DRIVE 6.875 2,002.32 80
6.625 2,002.32 381,000.00
PLANO TX 75093 2 10/20/98 00
007076536 03 12/01/98 0
007076536 O 11/01/28
0
2705885 225/225 F 610,000.00 ZZ
360 609,435.02 1
122 FIVE MILE RIVER ROAD 6.375 3,805.61 54
6.125 3,805.61 1,150,000.00
DARIEN CT 06820 2 11/10/98 00
007076585 05 01/01/99 0
007076585 O 12/01/28
0
2705886 225/225 F 286,000.00 ZZ
360 285,518.07 1
625 24TH STREET 6.875 1,878.82 61
6.625 1,878.82 475,000.00
HERMOSA BEACH CA 90254 2 10/26/98 00
007076610 05 12/01/98 0
007076610 O 11/01/28
0
2705887 225/225 F 315,000.00 ZZ
360 314,722.08 1
19841 ELK CREEK DRIVE WEST 6.625 2,016.98 74
6.375 2,016.98 430,000.00
COLORADO SPRING CO 80908 5 11/02/98 00
007076642 05 01/01/99 0
007076642 O 12/01/28
0
2705888 225/225 F 565,000.00 ZZ
360 563,940.91 1
2645 NW BEUHLA VISTA TERR 6.875 3,711.65 19
6.625 3,711.65 3,000,000.00
PORTLAND OR 97210 2 10/23/98 00
007076680 05 12/01/98 0
007076680 O 11/01/28
0
1
2705889 225/225 F 348,000.00 ZZ
360 347,384.22 1
4139 NOBLEMAN POINT 6.625 2,228.29 80
6.375 2,228.29 435,000.00
DULUTH GA 30097 1 11/05/98 00
007076692 03 12/01/98 0
007076692 O 11/01/28
0
2705890 225/225 F 269,800.00 ZZ
360 269,322.61 1
29788 BARNEY BROOK DRIVE 6.625 1,727.56 74
6.375 1,727.56 365,000.00
CONIFER CO 80433 2 10/30/98 00
007076749 05 12/01/98 0
007076749 O 11/01/28
0
2705891 225/225 F 565,000.00 ZZ
360 563,813.99 1
3840 GREENACRE DRIVE 7.250 3,854.30 52
7.000 3,854.30 1,100,000.00
NORTHBROOK IL 60062 2 10/23/98 00
007076791 05 12/01/98 0
007076791 O 11/01/28
0
2705892 225/225 F 300,000.00 ZZ
360 299,747.96 1
230 DISTANT ISLAND DRIVE 6.875 1,970.79 52
6.625 1,970.79 580,000.00
BEAUFORT SC 29902 2 11/04/98 00
007076817 03 01/01/99 0
007076817 O 12/01/28
0
2705893 225/225 F 405,000.00 ZZ
360 404,651.30 1
29950 FOREST COVE LANE 6.750 2,626.83 74
6.500 2,626.83 550,000.00
AGOURA HILLS CA 91301 2 11/03/98 00
007076864 03 01/01/99 0
007076864 O 12/01/28
0
2705894 225/225 F 460,000.00 ZZ
360 459,034.56 1
1
129 MOONSTONE STREET 6.750 2,983.56 71
6.500 2,983.56 650,000.00
MANHATTAN BEACH CA 90266 5 10/26/98 00
007076871 05 12/01/98 0
007076871 O 11/01/28
0
2705895 225/225 F 271,650.00 ZZ
360 271,416.11 1
732 ST. ANDREWS PL. 6.750 1,761.92 77
6.500 1,761.92 355,000.00
LOVELAND CO 80537 2 11/03/98 00
007076872 03 01/01/99 0
007076872 O 12/01/28
0
2705896 225/225 F 360,000.00 ZZ
360 359,257.22 1
710 BEAUMONT COURT 7.000 2,395.09 80
6.750 2,395.09 450,000.00
ALLEN TX 75013 2 10/26/98 00
007076884 03 12/01/98 0
007076884 O 11/01/28
0
2705897 225/225 F 280,000.00 ZZ
360 279,528.17 1
12056 TAVEL CIRCLE 6.875 1,839.41 70
6.625 1,839.41 400,000.00
DALLAS TX 75230 2 10/26/98 00
007076902 03 12/01/98 0
007076902 O 11/01/28
0
2705898 225/225 F 311,000.00 ZZ
360 310,745.07 1
7598 MOLAS COURT 7.000 2,069.10 80
6.750 2,069.10 390,000.00
LARKSPUR CO 80118 2 11/02/98 00
007076973 05 01/01/99 0
007076973 O 12/01/28
0
2705899 225/225 F 345,500.00 ZZ
360 344,664.64 1
8348 EAST VIA DONA ROAD 6.625 2,212.28 80
6.375 2,212.28 435,000.00
SCOTTSDALE AZ 85262 2 10/30/98 00
007076974 05 12/01/98 0
1
007076974 O 11/01/28
0
2705900 225/225 F 350,000.00 ZZ
360 349,410.21 1
4261 LIVE OAK BLVD 6.875 2,299.26 77
6.625 2,299.26 460,000.00
DEL RAY BEACH FL 33445 1 11/05/98 00
007077013 03 12/01/98 0
007077013 O 11/01/28
0
2705901 225/225 F 250,000.00 ZZ
360 248,342.78 1
843 RIVER BIRCH COURT 7.000 1,663.26 73
6.750 1,663.26 343,000.00
PARK CITY UT 84060 5 10/28/98 00
007077140 05 12/01/98 0
007077140 O 11/01/28
0
2705902 225/225 F 528,000.00 ZZ
360 527,110.28 1
31 WOODVIEW LANE 6.875 3,468.59 66
6.625 3,468.59 810,000.00
LEMONT IL 60439 1 10/23/98 00
007077246 05 12/01/98 0
007077246 O 11/01/28
0
2705903 225/225 F 252,500.00 ZZ
360 252,287.86 1
16292 WEST 66TH CIRCLE 6.875 1,658.75 80
6.625 1,658.75 316,000.00
ARVADA CO 80007 1 11/06/98 00
007077302 03 01/01/99 0
007077302 O 12/01/28
0
2705904 225/225 F 400,000.00 ZZ
360 399,325.97 1
339 SUNDIAL ROAD 6.875 2,627.72 80
6.625 2,627.72 505,000.00
MADISON MS 39110 1 10/23/98 00
007077401 05 12/01/98 0
007077401 O 11/01/28
0
1
2705905 225/225 F 371,000.00 ZZ
360 370,688.31 1
4639 EAST FOOTHILL DRIVE 6.875 2,437.21 26
6.625 2,437.21 1,450,000.00
PARADISE VALLEY AZ 85253 1 11/01/98 00
007077406 05 01/01/99 0
007077406 O 12/01/28
0
2705906 225/225 F 260,000.00 ZZ
360 259,792.08 1
426 WILLOW COURT 7.125 1,751.67 80
6.875 1,751.67 327,500.00
STEAMBOAT SPRIN CO 80487 2 11/04/98 00
007077419 05 01/01/99 0
007077419 O 12/01/28
0
2705907 225/225 F 266,250.00 ZZ
360 266,031.75 1
2801 WAMATH DRIVE 7.000 1,771.37 75
6.750 1,771.37 355,000.00
CHARLOTTE NC 28210 1 11/03/98 00
007077428 05 01/01/99 0
007077428 O 12/01/28
0
2705908 225/225 F 270,650.00 ZZ
360 270,444.06 1
23608 155TH AVE SE 7.375 1,869.31 95
7.125 1,869.31 284,900.00
SNOHOMISH WA 98296 1 11/04/98 10
007077501 05 01/01/99 30
007077501 O 12/01/28
0
2705909 225/225 F 378,400.00 ZZ
360 377,746.57 1
10155 QUARRY HILL PLACE 6.750 2,454.30 80
6.500 2,454.30 473,000.00
PARKER CO 80134 2 10/26/98 00
007077575 03 12/01/98 0
007077575 O 11/01/28
0
2705910 225/225 F 385,950.00 ZZ
360 385,609.48 1
21743 MOBLEY FARM DRIVE 6.625 2,471.29 79
6.375 2,471.29 490,000.00
1
GAITHERSBURG MD 20882 2 11/04/98 00
007077584 05 01/01/99 0
007077584 O 12/01/28
0
2705911 225/225 F 290,000.00 ZZ
360 289,534.80 1
28737 PISCES STREET 7.125 1,953.79 75
6.875 1,953.79 390,000.00
AGOURA HILLS CA 91301 5 10/09/98 00
007077668 05 12/01/98 0
007077668 O 11/01/28
0
2705913 225/225 F 480,000.00 ZZ
360 479,576.50 1
9 PORT CIRCLE 6.625 3,073.50 80
6.375 3,073.50 600,000.00
WARWICK RI 02889 2 11/05/98 00
007077722 05 01/01/99 0
007077722 O 12/01/28
0
2705914 225/225 F 450,000.00 ZZ
360 448,815.50 1
3524 MAPLE AVENUE 6.875 2,956.18 60
6.625 2,956.18 755,000.00
MANHATTAN BEACH CA 90266 5 10/29/98 00
007077887 05 12/01/98 0
007077887 O 11/01/28
0
2705915 225/225 F 275,000.00 ZZ
360 274,371.68 1
1098 MARGUERITE COURT 6.750 1,783.65 69
6.500 1,783.65 400,000.00
LAFAYETTE CA 94549 2 10/27/98 00
007077892 05 12/01/98 0
007077892 O 11/01/28
0
2705917 225/225 F 440,000.00 ZZ
360 439,656.75 1
161 JETER STREET 7.250 3,001.58 76
7.000 3,001.58 582,500.00
REDWOOD CITY CA 94062 1 11/16/98 00
007077996 05 01/01/99 0
007077996 O 12/01/28
0
1
2705918 225/225 F 255,500.00 ZZ
360 255,109.97 1
105 DULCHERY LN 7.375 1,764.68 95
7.125 1,764.68 269,000.00
BOZEMAN MT 59715 1 10/23/98 10
007078025 05 12/01/98 30
007078025 O 11/01/28
0
2705919 225/225 F 635,000.00 ZZ
360 628,926.77 1
4600 HIGHWAY A1A 7.000 4,224.68 80
6.750 4,224.68 800,000.00
MELBOURNE BEACH FL 32951 2 10/28/98 00
007078094 05 12/01/98 0
007078094 O 11/01/28
0
2705921 225/225 F 265,700.00 ZZ
360 265,294.40 1
7582 EAST NESTLING WAY 7.375 1,835.13 95
7.125 1,835.13 279,729.00
SCOTTSDALE AZ 85255 1 10/16/98 12
007078176 03 12/01/98 30
007078176 O 11/01/28
0
2705923 225/225 F 500,000.00 ZZ
360 499,569.50 1
12101 SAN ANTONIO DRIVE NE 6.750 3,243.00 80
6.500 3,243.00 625,000.00
ALBUQUERQUE NM 87122 1 11/02/98 00
007078254 05 01/01/99 0
007078254 O 12/01/28
0
2705924 225/225 F 430,000.00 ZZ
360 429,664.56 1
20 RIDGE ROAD 7.250 2,933.36 87
7.000 2,933.36 495,000.00
HIGHLAND PARK IL 60035 2 11/02/98 12
007078334 05 01/01/99 25
007078334 O 12/01/28
0
2705925 225/225 F 295,100.00 ZZ
360 294,626.62 1
1
510 FOX GLEN 7.125 1,988.15 80
6.875 1,988.15 368,935.00
SOUTHLAKE TX 76092 1 10/30/98 00
007078337 03 12/01/98 0
007078337 O 11/01/28
0
2705926 225/225 F 353,000.00 ZZ
360 352,311.71 1
9849 SOUTH ELIZA COURT 7.000 2,348.52 79
6.750 2,348.52 450,000.00
HIGHLAND RANCH CO 80126 2 10/30/98 00
007078411 03 12/01/98 0
007078411 O 11/01/28
0
2705929 225/225 F 290,800.00 ZZ
360 290,333.51 1
1405 SHEPHERD DRIVE 7.125 1,959.18 70
6.875 1,959.18 417,000.00
NAPERVILLE IL 60565 2 10/26/98 00
007078607 05 12/01/98 0
007078607 O 11/01/28
0
2705930 225/225 F 315,000.00 ZZ
360 314,735.36 1
14 RAMBLING BROOK DRIVE 6.875 2,069.33 75
6.625 2,069.33 420,000.00
HOLMDEL NJ 07733 5 11/04/98 00
007078669 05 01/01/99 0
007078669 O 12/01/28
0
2705935 225/225 F 263,500.00 ZZ
360 263,055.99 1
1470 WINDFLOWER 6.875 1,731.01 75
6.625 1,731.01 352,085.00
GRAYSLAKE IL 60030 2 10/29/98 00
007079270 05 12/01/98 0
007079270 O 11/01/28
0
2705936 225/225 F 492,000.00 ZZ
360 491,044.04 1
505 PASEO REFUGIO 7.125 3,314.70 80
6.875 3,314.70 615,000.00
MILPITAS CA 95035 1 10/02/98 00
007079349 05 12/01/98 0
1
007079349 O 11/01/28
0
2705938 225/225 F 357,000.00 ZZ
360 356,721.51 1
18804 NE 150TH CT 7.250 2,435.37 73
7.000 2,435.37 490,000.00
WOODINVILLE WA 98072 5 11/06/98 00
007079510 03 01/01/99 0
007079510 O 12/01/28
0
2705939 225/225 F 296,000.00 ZZ
360 295,774.77 1
200 CIELO AZUL ROAD 7.375 2,044.40 88
7.125 2,044.40 340,000.00
CORRALES NM 87048 1 11/05/98 12
007079597 05 01/01/99 25
007079597 O 12/01/28
0
2705941 225/225 F 253,000.00 ZZ
360 252,807.49 1
2951 EAST WYECLIFF WAY 7.375 1,747.41 78
7.125 1,747.41 325,000.00
LITTLETON CO 80126 1 11/02/98 00
007079822 03 01/01/99 0
007079822 O 12/01/28
0
2705942 225/225 F 334,425.00 ZZ
360 332,035.57 1
1209 WEST BAYOU PARKWAY 6.750 2,169.08 69
6.500 2,169.08 490,000.00
LAFAYETTE LA 70503 5 10/30/98 00
007079972 05 12/01/98 0
007079972 O 11/01/28
0
2705943 225/225 F 307,500.00 ZZ
360 307,260.11 1
4402 NORTH LOS VECINOS DR 7.250 2,097.70 57
7.000 2,097.70 545,000.00
PHOENIX AZ 85018 1 11/03/98 00
007080141 05 01/01/99 0
007080141 O 12/01/28
0
1
2705944 225/225 F 261,000.00 ZZ
360 260,620.98 1
4360 FLANDES STREET 7.625 1,847.35 90
7.375 1,847.35 290,000.00
LAS VEGAS NV 89121 2 10/22/98 12
007080152 05 12/01/98 25
007080152 O 11/01/28
0
2705945 225/225 F 271,000.00 ZZ
360 270,788.59 1
6275 CARDINAL LANE 7.250 1,848.70 64
7.000 1,848.70 424,000.00
COLUMBIA MD 21044 1 11/10/98 00
007080171 05 01/01/99 0
007080171 O 12/01/28
0
2705946 225/225 F 457,600.00 ZZ
360 457,243.03 1
1725 DALTON ROAD 7.250 3,121.64 64
7.000 3,121.64 715,000.00
PALOS VERDES ES CA 90274 1 11/10/98 00
007080314 05 01/01/99 0
007080314 O 12/01/28
0
2705947 225/225 F 388,100.00 ZZ
360 387,765.85 1
8150 EAST MORNING SUN LANE 6.750 2,517.21 80
6.500 2,517.21 485,200.00
ANAHEIM CA 92808 1 11/12/98 00
007080402 05 01/01/99 0
007080402 O 12/01/28
0
2705948 225/225 F 363,950.00 ZZ
360 363,370.37 1
132 247TH AVE SE 7.250 2,482.79 80
7.000 2,482.79 454,990.00
REDMOND WA 98053 1 10/27/98 00
007080420 03 12/01/98 0
007080420 O 11/01/28
0
2705951 225/225 F 336,800.00 ZZ
360 336,530.66 1
39 ALDER AVENUE 7.125 2,269.09 80
6.875 2,269.09 421,000.00
1
WALNUT CREEK CA 94595 1 11/02/98 00
007080886 05 01/01/99 0
007080886 O 12/01/28
0
2705952 225/225 F 353,000.00 ZZ
360 352,724.62 1
1145 WESTON ROAD 7.250 2,408.09 69
7.000 2,408.09 515,000.00
SCOTTS VALLEY CA 95066 2 11/03/98 00
007080895 05 01/01/99 0
007080895 O 12/01/28
0
2705953 225/225 F 299,200.00 ZZ
360 298,948.63 1
1584 VALECROFT AVENUE 6.875 1,965.54 80
6.625 1,965.54 374,000.00
THOUSAND OAKS CA 91361 1 11/04/98 00
007080923 05 01/01/99 0
007080923 O 12/01/28
0
2705954 225/225 F 248,000.00 ZZ
360 247,806.53 1
18 HOLLYLEAF 7.250 1,691.80 68
7.000 1,691.80 370,000.00
ALISO VIEJO ARE CA 92656 5 11/11/98 00
007081197 03 01/01/99 0
007081197 O 12/01/28
0
2705955 225/225 F 245,000.00 ZZ
360 244,799.17 1
1 HICKORY NUT COURT 7.000 1,630.00 74
6.750 1,630.00 333,000.00
HILTON HEAD ISL SC 29926 1 11/16/98 00
007081242 03 01/01/99 0
007081242 O 12/01/28
0
2705956 225/225 F 287,000.00 ZZ
360 286,516.38 1
3230 JULIE'S DRIVE 6.875 1,885.39 85
6.625 1,885.39 338,900.00
PARK CITY UT 84098 1 10/30/98 12
007081369 05 12/01/98 12
007081369 O 11/01/28
0
1
2705957 225/225 F 465,000.00 ZZ
360 464,618.84 1
4311 NAOMI AVE 7.000 3,093.66 75
6.750 3,093.66 620,000.00
BREMERTON WA 98310 2 11/10/98 00
007081441 05 01/01/99 0
007081441 O 12/01/28
0
2705958 225/225 F 364,000.00 ZZ
360 363,686.60 1
6177 CHANDLER DRIVE 6.750 2,360.90 80
6.500 2,360.90 455,000.00
BATON ROUGE LA 70808 2 11/10/98 00
007081571 05 01/01/99 0
007081571 O 12/01/28
0
2705960 225/225 F 335,000.00 ZZ
360 334,449.19 1
3211 KELTON AVENUE 7.000 2,228.77 75
6.750 2,228.77 450,000.00
LOS ANGELES CA 90034 2 10/29/98 00
007081822 05 12/01/98 0
007081822 O 11/01/28
0
2705961 225/225 F 279,000.00 ZZ
360 278,747.78 1
11537 WILLS CREEK ROAD 6.500 1,763.47 69
6.250 1,763.47 410,000.00
SAN DIEGO CA 92131 5 11/05/98 00
007081878 03 01/01/99 0
007081878 O 12/01/28
0
2705963 225/225 F 264,000.00 ZZ
360 263,778.20 1
2151 EAST 900 SOUTH 6.875 1,734.30 80
6.625 1,734.30 330,000.00
SALT LAKE CITY UT 84108 1 11/16/98 00
007082412 05 01/01/99 0
007082412 O 12/01/28
0
2705964 225/225 F 262,000.00 ZZ
360 261,790.48 1
1
1079 SOUTH CORONA STREET 7.125 1,765.15 89
6.875 1,765.15 295,000.00
DENVER CO 80209 2 11/13/98 10
007082843 05 01/01/99 25
007082843 O 12/01/28
0
2705965 225/225 F 285,000.00 ZZ
360 284,531.40 1
582 MELODY LANE 7.000 1,896.12 68
6.750 1,896.12 420,000.00
HIGHLAND PARK IL 60035 5 10/29/98 00
007082965 05 12/01/98 0
007082965 O 11/01/28
0
2705967 225/225 F 284,000.00 ZZ
360 283,755.48 1
14 MORNINGSTAR 6.750 1,842.02 80
6.500 1,842.02 355,000.00
DOVE CANYON CA 92679 1 11/09/98 00
007083166 03 01/01/99 0
007083166 O 12/01/28
0
2705968 225/225 F 257,300.00 ZZ
360 256,855.70 1
8711 EAST HEATHERWOOD RD 6.750 1,668.84 80
6.500 1,668.84 321,658.00
ANAHEIM CA 92808 1 10/27/98 00
007083286 05 12/01/98 0
007083286 O 11/01/28
0
2705969 225/225 F 261,250.00 ZZ
360 260,841.16 1
1059 SOLDIER HILL ROAD 7.250 1,782.19 95
7.000 1,782.19 275,000.00
ORADELL NJ 07649 1 10/22/98 14
007083446 05 12/01/98 30
007083446 O 11/01/28
0
2705970 225/225 F 343,200.00 ZZ
360 342,932.27 1
805 EL BERRO 7.250 2,341.23 80
7.000 2,341.23 429,000.00
SAN CLEMENTE CA 92672 1 10/28/98 00
007083536 03 01/01/99 0
1
007083536 O 12/01/28
0
2705971 225/225 F 418,000.00 ZZ
360 417,665.73 1
106 VALERIE DRIVE 7.125 2,816.15 80
6.875 2,816.15 523,000.00
LAFAYETTE LA 70508 1 11/12/98 00
007083697 05 01/01/99 0
007083697 O 12/01/28
0
2705972 225/225 F 532,000.00 ZZ
360 531,146.59 1
920 RUNNYMEAD LANE 7.125 3,584.19 80
6.875 3,584.19 665,000.00
SAN DIEGO CA 92106 1 10/28/98 00
007083876 05 12/01/98 0
007083876 O 11/01/28
0
2705973 225/225 F 477,900.00 ZZ
360 477,527.18 1
4840 TUSCANY CIRCLE 7.250 3,260.13 80
7.000 3,260.13 597,450.00
SAN JOSE CA 95135 1 11/17/98 00
007084195 05 01/01/99 0
007084195 O 12/01/28
0
2705974 225/225 F 288,750.00 ZZ
360 288,524.74 1
914 PETRA LANE 7.250 1,969.79 75
7.000 1,969.79 385,000.00
PACIFIC GROVE CA 93950 2 11/12/98 00
007084289 05 01/01/99 0
007084289 O 12/01/28
0
2705975 225/225 F 281,000.00 ZZ
360 280,473.27 1
4775 ALMOND DRIVE 6.875 1,845.97 74
6.625 1,845.97 380,000.00
TEMPLETON CA 93465 5 10/27/98 00
007084327 05 12/01/98 0
007084327 O 11/01/28
0
1
2705976 225/225 F 340,000.00 ZZ
360 339,714.36 1
5793 MCKELLAR DRIVE 6.875 2,233.56 90
6.625 2,233.56 380,000.00
SAN JOSE CA 95129 1 11/09/98 14
007084693 05 01/01/99 25
007084693 O 12/01/28
0
2705977 225/225 F 292,500.00 ZZ
360 291,994.91 1
2276 GOVERNORS BEND ROAD 6.750 1,897.15 80
6.500 1,897.15 367,000.00
HUNTSVILLE AL 35801 1 10/30/98 00
007084978 05 12/01/98 0
007084978 O 11/01/28
0
2705978 225/225 F 290,000.00 ZZ
360 289,784.77 1
970 SOUTH CANYON HEIGHTS DR 7.500 2,027.73 79
7.250 2,027.73 367,990.00
ANAHEIM CA 92808 2 11/03/98 00
007085147 03 01/01/99 0
007085147 O 12/01/28
0
2705979 225/225 F 320,000.00 ZZ
360 319,165.23 1
754 GLEN CANYON ROAD 7.000 2,128.97 80
6.750 2,128.97 400,000.00
SANTA CRUZ CA 95060 1 10/29/98 00
007085341 05 12/01/98 0
007085341 O 11/01/28
0
2705980 225/225 F 325,000.00 ZZ
360 324,528.05 1
10835 FELLOWS HILL DRIVE 7.625 2,300.33 77
7.375 2,300.33 423,200.00
PLYMOUTH MI 48170 1 10/30/98 00
007085357 03 12/01/98 0
007085357 O 11/01/28
0
2705981 225/225 F 257,000.00 ZZ
360 256,804.44 1
9840 VILLAGE CENTER DRIVE 7.375 1,775.04 79
7.125 1,775.04 328,000.00
1
GRANITE BAY CA 95746 2 11/04/98 00
007085691 05 01/01/99 0
007085691 O 12/01/28
0
2705982 225/225 F 269,000.00 ZZ
360 268,779.50 1
26955 NORTH ELMWOOD 7.000 1,789.67 74
6.750 1,789.67 364,000.00
LAKE FOREST IL 60045 2 11/10/98 00
007086375 05 01/01/99 0
007086375 O 12/01/28
0
2705983 225/225 F 250,000.00 ZZ
360 249,627.76 1
28 WHITECLIFF LANE 7.500 1,748.04 80
7.250 1,748.04 312,887.00
NESCONSET NY 11767 1 10/22/98 00
008085995 05 12/01/98 0
008085995 O 11/01/28
0
2705984 225/225 F 440,000.00 ZZ
360 439,582.51 1
31 DRINKING BROOK RD 6.250 2,709.16 74
6.000 2,709.16 600,000.00
MONMOUTH JUNCTI NJ 08852 1 11/06/98 00
006100900 05 01/01/99 0
006100900 O 12/01/28
0
2705985 225/225 F 390,000.00 ZZ
300 389,084.56 1
PO BOX 17 HUNT COUNTRY FARM 7.375 2,850.44 65
7.125 2,850.44 600,000.00
MALDEN BRIDGE NY 12115 2 10/22/98 00
006104666 05 12/01/98 0
006104666 O 11/01/23
0
2705986 225/225 F 326,400.00 ZZ
360 325,531.28 1
1814 SILVER PINE CIRCLE 6.625 2,089.98 80
6.375 2,089.98 408,000.00
MECHANICSBURG PA 17055 2 09/30/98 00
006104885 05 11/01/98 0
006104885 O 10/01/28
0
1
2705987 225/225 F 347,800.00 ZZ
360 347,242.07 1
878 APPENZELL DRIVE 7.125 2,343.20 79
6.875 2,343.20 442,000.00
HUMMELSTOWN PA 17036 2 10/09/98 00
006104959 05 12/01/98 0
006104959 O 11/01/28
0
2705988 225/225 F 350,000.00 ZZ
360 349,465.70 1
415 HUNTER ROAD 7.375 2,417.37 78
7.125 2,417.37 450,000.00
OLEY PA 19547 2 10/21/98 00
006104994 05 12/01/98 0
006104994 O 11/01/28
0
2705989 225/225 F 517,500.00 ZZ
360 515,828.81 1
1040 READING BOULEVARD 6.500 3,270.96 75
6.250 3,270.96 690,000.00
WYOMISSING PA 19610 5 10/14/98 00
006105050 05 12/01/98 0
006105050 O 11/01/28
0
2705990 225/225 F 353,000.00 ZZ
360 352,328.36 1
3 KNOLL TAVERN ROAD 6.250 2,173.49 74
6.000 2,173.49 482,000.00
FLEMINGTON NJ 08822 1 10/30/98 00
006105074 05 12/01/98 0
006105074 O 11/01/28
0
2705991 225/225 F 440,000.00 ZZ
360 439,294.17 1
11 CHADWELL PLACE 7.125 2,964.37 80
6.875 2,964.37 550,000.00
MORRISTOWN NJ 07960 1 10/27/98 00
006105097 01 12/01/98 0
006105097 O 11/01/28
0
2705993 225/225 F 580,000.00 ZZ
360 578,634.42 1
1
10 CAYUGA ROAD 7.250 3,956.62 75
7.000 3,956.62 780,000.00
SCARSDALE NY 10583 1 09/04/98 00
008155021 05 11/01/98 0
008155021 O 10/01/28
0
2705994 225/225 F 244,500.00 ZZ
360 244,117.39 1
15 RICHARD COURT 7.250 1,667.92 95
7.000 1,667.92 257,500.00
LAKE GROVE NY 11755 1 10/29/98 11
008155387 05 12/01/98 30
008155387 O 11/01/28
0
2705996 225/225 F 460,000.00 ZZ
360 458,916.96 1
5 OAKWOOD COURT 7.250 3,138.01 80
7.000 3,138.01 575,000.00
MONTVILLE NJ 07082 2 09/25/98 00
008155786 05 11/01/98 0
008155786 O 10/01/28
0
2705997 225/225 F 412,000.00 ZZ
360 411,305.75 1
60 OAK RIDGE AVENUE 6.875 2,706.55 39
6.625 2,706.55 1,080,000.00
SUMMIT NJ 07091 2 10/02/98 00
008155928 05 12/01/98 0
008155928 O 11/01/28
0
2705998 225/225 F 401,200.00 ZZ
360 400,523.95 1
21 AUDUBON COURT 6.875 2,635.60 80
6.625 2,635.60 501,500.00
MILLBURN NJ 07078 1 10/30/98 00
008156027 05 12/01/98 0
008156027 O 11/01/28
0
2705999 225/225 F 438,750.00 ZZ
360 438,128.66 1
18 ARDMORE ROAD 7.750 3,143.26 90
7.500 3,143.26 487,500.00
SCARSDALE NY 10583 1 10/28/98 11
008156053 05 12/01/98 25
1
008156053 O 11/01/28
0
2706000 225/225 F 400,100.00 ZZ
360 399,305.43 1
8 ORSINI DRIVE 6.875 2,628.37 63
6.625 2,628.37 642,000.00
LARCHMONT NY 10538 1 10/21/98 00
008156066 05 12/01/98 0
008156066 O 11/01/28
0
2706001 225/225 F 285,000.00 ZZ
360 284,554.01 1
7 CALDWELL DRIVE 7.250 1,944.20 61
7.000 1,944.20 470,000.00
PRINCETON NJ 08540 5 10/02/98 00
008156103 05 12/01/98 0
008156103 O 11/01/28
0
2706002 225/225 F 350,000.00 ZZ
360 349,424.54 1
53 MORNINGSTAR DRIVE 7.000 2,328.56 80
6.750 2,328.56 441,000.00
SPARTA NJ 07871 1 10/15/98 00
008156105 05 12/01/98 0
008156105 O 11/01/28
0
2706003 225/225 F 300,000.00 ZZ
360 299,494.48 1
85 MOUNTAIN AVENUE 6.875 1,970.79 80
6.625 1,970.79 375,000.00
SUMMIT NJ 07901 1 10/16/98 00
008156233 05 12/01/98 0
008156233 O 11/01/28
0
2706004 225/225 F 277,000.00 ZZ
360 276,509.87 1
44 WOODBINE AVE 6.625 1,773.66 62
6.375 1,773.66 450,000.00
LARCHMONT NY 10538 5 10/26/98 00
008156275 05 12/01/98 0
008156275 O 11/01/28
0
1
2706005 225/225 F 326,000.00 ZZ
360 325,171.28 1
6 COUNTRY CLUB DRIVE 6.500 2,060.54 75
6.250 2,060.54 435,000.00
CHATHAM NJ 07928 5 10/26/98 00
008156422 05 12/01/98 0
008156422 O 11/01/28
0
2706006 225/225 F 293,600.00 ZZ
360 292,759.90 1
6 BOULDER RIDGE CROSSING 6.250 1,807.75 80
6.000 1,807.75 367,000.00
SPARTA NJ 07871 1 10/01/98 00
008156448 05 11/01/98 0
008156448 O 10/01/28
0
2706007 225/225 F 250,800.00 ZZ
360 250,345.31 1
200 EAST HILLCREST AVENUE 6.500 1,585.23 95
6.250 1,585.23 264,000.00
PHILIDELPHIA PA 19118 1 10/28/98 11
008156462 05 12/01/98 30
008156462 O 11/01/28
0
2706008 225/225 F 286,200.00 ZZ
360 285,976.74 1
11 OTSEGO ROAD 7.250 1,952.39 90
7.000 1,952.39 318,000.00
PLEASANTVILLE NY 10570 1 11/06/98 11
008156498 05 01/01/99 25
008156498 O 12/01/28
0
2706009 225/225 F 300,000.00 ZZ
360 298,598.48 1
10 JOHN STREET 7.000 1,995.91 65
6.750 1,995.91 465,000.00
CHATHAM NJ 07928 2 10/14/98 00
008156534 05 12/01/98 0
008156534 O 11/01/28
0
2706010 225/225 F 260,000.00 ZZ
360 259,551.02 1
5926 SHETLAND DRIVE 6.750 1,686.36 57
6.500 1,686.36 460,000.00
1
SOLEBURY TOWNSH PA 18901 2 10/21/98 00
008156586 05 12/01/98 0
008156586 O 11/01/28
0
2706011 225/225 F 605,650.00 ZZ
360 604,629.44 1
120 MIDDLEFIELD LANE 6.875 3,978.69 77
6.625 3,978.69 790,000.00
BLYTHEWOOD SC 29016 2 10/09/98 00
008383877 05 12/01/98 0
008383877 O 11/01/28
0
2706012 225/225 F 340,000.00 ZZ
360 339,427.08 1
209 CLEARPORT DRIVE 6.875 2,233.56 78
6.625 2,233.56 436,428.00
CARY NC 27560 1 10/30/98 00
008399310 03 12/01/98 0
008399310 O 11/01/28
0
2706013 225/225 F 325,000.00 ZZ
360 324,465.65 1
7232 MEADOW RUN LANE 7.000 2,162.23 78
6.750 2,162.23 419,000.00
CHARLOTTE NC 28277 1 10/09/98 00
008421700 03 12/01/98 0
008421700 O 11/01/28
0
2706014 225/225 F 300,000.00 T
360 299,275.99 1
25 LANGE AVENUE 7.125 2,021.16 73
6.875 2,021.16 414,000.00
HARVEY CEDARS NJ 08055 1 09/10/98 00
008430824 05 11/01/98 0
008430824 O 10/01/28
0
2706016 225/225 F 335,000.00 ZZ
360 334,725.41 1
859 TANGLEWOOD DRIVE 7.000 2,228.76 79
6.750 2,228.76 425,000.00
LAFAYETTE CA 94549 2 10/29/98 00
008432992 05 01/01/99 0
008432992 O 12/01/28
0
1
2706017 225/225 F 280,000.00 ZZ
360 279,492.39 1
3704 BASKING RIDGE CT 6.500 1,769.79 80
6.250 1,769.79 350,497.00
MATTHEWS NC 28105 1 10/30/98 00
008433878 03 12/01/98 0
008433878 O 11/01/28
0
2706018 225/225 F 288,000.00 ZZ
360 287,514.71 1
59 SHORE DRIVE 6.875 1,891.95 80
6.625 1,891.95 360,000.00
NEW WINDSOR NY 12553 1 10/08/98 00
008650675 05 12/01/98 0
008650675 O 11/01/28
0
2706019 225/225 F 304,000.00 ZZ
360 303,512.36 1
21 SHARON DRIVE 7.125 2,048.10 80
6.875 2,048.10 380,000.00
OCEAN NJ 07712 2 02/28/98 00
008651194 05 12/01/98 0
008651194 O 11/01/28
0
2706020 225/225 F 294,500.00 ZZ
360 294,015.79 1
105 BLOSSOM RIDGE TRAIL 7.000 1,959.32 95
6.750 1,959.32 310,000.00
FAYETTEVILLE GA 30214 1 10/05/98 11
008651318 05 12/01/98 30
008651318 O 11/01/28
0
2706022 225/225 F 261,900.00 ZZ
360 261,469.39 1
5 DANAND LANE 7.000 1,742.43 90
6.750 1,742.43 291,000.00
PATTERSON NY 12563 1 10/09/98 11
008730193 05 12/01/98 25
008730193 O 11/01/28
0
2706023 225/225 F 283,000.00 ZZ
360 282,365.97 1
1
7 LOUIS DRIVE 7.500 1,978.78 54
7.250 1,978.78 533,000.00
KATONAH NY 10536 1 10/01/98 00
008730437 05 11/01/98 0
008730437 O 10/01/28
0
2706024 225/225 F 543,200.00 ZZ
360 542,349.94 1
15 KARLIN DRIVE 7.250 3,705.58 80
7.000 3,705.58 679,000.00
CHATHAM NJ 07928 1 10/26/98 00
008731211 05 12/01/98 0
008731211 O 11/01/28
0
2706025 225/225 F 401,850.00 ZZ
360 401,199.46 1
6009 INDEPENDENCE AVENUE 7.250 2,741.33 90
7.000 2,741.33 446,500.00
BRONX NY 10471 1 10/14/98 04
008732651 05 12/01/98 25
008732651 O 11/01/28
0
2706026 225/225 F 380,000.00 T
360 379,327.63 1
2400 NORTH LUMINA AVENUE#2401 6.625 2,433.18 80
6.375 2,433.18 475,000.00
WRIGHTSVILLE BE NC 28480 1 10/05/98 00
008732875 01 12/01/98 0
008732875 O 11/01/28
0
2706027 225/225 F 328,100.00 ZZ
360 327,288.46 1
962 COACH WAY 7.000 2,182.86 70
6.750 2,182.86 475,000.00
ANNAPOLIS MD 21401 2 09/29/98 00
008733661 05 11/01/98 0
008733661 O 10/01/28
0
2706028 225/225 F 350,000.00 ZZ
360 349,424.54 1
22 RICHMOND DRIVE 7.000 2,328.56 54
6.750 2,328.56 650,000.00
DARIEN CT 06820 5 10/07/98 00
008734260 05 12/01/98 0
1
008734260 O 11/01/28
0
2706029 225/225 F 500,000.00 ZZ
360 498,219.63 1
4020 HIGHWOOD COURT NW 7.250 3,410.88 76
7.000 3,410.88 660,000.00
WASHINGTON DC 20007 2 10/02/98 00
008735130 03 11/01/98 0
008735130 O 10/01/28
0
2706030 225/225 F 450,000.00 ZZ
360 449,222.94 1
121 ST JOHN'S ROAD 6.750 2,918.69 75
6.500 2,918.69 600,000.00
RIDGEFIELD CT 06877 1 10/13/98 00
008735367 05 12/01/98 0
008735367 O 11/01/28
0
2706031 225/225 F 252,000.00 ZZ
360 251,406.69 1
223 SANTA FE AVENUE 7.250 1,719.08 90
7.000 1,719.08 280,000.00
HAMDEN CT 06517 1 09/29/98 14
008735533 05 11/01/98 25
008735533 O 10/01/28
0
2706032 225/225 F 300,000.00 ZZ
360 299,469.18 1
801 NORTH JACKSON STREET 6.625 1,920.93 72
6.375 1,920.93 418,000.00
ARLINGTON VA 22201 5 10/14/98 00
008735880 05 12/01/98 0
008735880 O 11/01/28
0
2706033 225/225 F 340,000.00 T
360 339,427.08 1
3A SCOTCH BONNETT LANE 6.875 2,233.56 80
6.625 2,233.56 425,000.00
BALD HEAD ISLAN NC 28461 1 10/28/98 00
008735902 05 12/01/98 0
008735902 O 11/01/28
0
1
2706034 225/225 F 314,800.00 ZZ
360 313,941.63 1
237 BRIARWOOD DRIVE 6.500 1,989.75 80
6.250 1,989.75 393,500.00
HILLTOWN TOWNSH PA 18960 1 10/01/98 00
008736014 03 11/01/98 0
008736014 O 10/01/28
0
2706035 225/225 F 283,000.00 ZZ
360 282,469.52 1
11 RIVA RIDGE WAY 6.875 1,859.11 68
6.625 1,859.11 420,000.00
GREENVILLE SC 29615 2 10/27/98 00
008736179 05 12/01/98 0
008736179 O 11/01/28
0
2706036 225/225 F 360,000.00 ZZ
360 359,393.39 1
15951 SUMMER PLACE 6.875 2,364.94 80
6.625 2,364.94 450,000.00
BRISTOL VA 24202 1 10/09/98 00
008736781 05 12/01/98 0
008736781 O 11/01/28
0
2706037 225/225 F 249,600.00 ZZ
360 249,136.41 1
2602 PENNY ROYAL LANE 6.375 1,557.18 80
6.125 1,557.18 312,000.00
RESTON VA 20191 1 10/23/98 00
008736955 03 12/01/98 0
008736955 O 11/01/28
0
2706038 225/225 F 267,000.00 ZZ
360 266,348.95 1
565 REGENCY PARK DRIVE 6.875 1,754.00 75
6.625 1,754.00 360,000.00
ATLANTA GA 30331 2 10/02/98 00
008736992 03 12/01/98 0
008736992 O 11/01/28
0
2706039 225/225 F 350,000.00 ZZ
360 349,438.57 1
49 WOODMERE LANE 7.125 2,358.01 68
6.875 2,358.01 515,000.00
1
TENAFLY NJ 07670 1 10/19/98 00
008737117 05 12/01/98 0
008737117 O 11/01/28
0
2706040 225/225 F 282,000.00 ZZ
360 281,774.49 1
2400 SUNNYSTONE WAY 7.125 1,899.89 73
6.875 1,899.89 389,000.00
RALEIGH NC 27613 5 10/27/98 00
008737361 05 01/01/99 0
008737361 O 12/01/28
0
2706042 225/225 F 481,000.00 ZZ
360 480,169.41 1
3314 WOOD VALLEY ROAD 6.750 3,119.76 70
6.500 3,119.76 695,000.00
ATLANTA GA 30327 5 10/23/98 00
008737874 03 12/01/98 0
008737874 O 11/01/28
0
2706043 225/225 F 311,200.00 ZZ
360 310,662.61 1
2817 SPRIGGS REQUEST WAY 6.750 2,018.44 80
6.500 2,018.44 389,000.00
MITCHELLVILLE MD 20721 1 10/30/98 00
008738301 03 12/01/98 0
008738301 O 11/01/28
0
2706044 225/225 F 300,000.00 T
360 299,506.75 1
951 OCEAN BOULEVARD WEST 7.000 1,995.91 74
6.750 1,995.91 410,000.00
HOLDEN BEACH NC 28462 2 10/29/98 00
008738983 05 12/01/98 0
008738983 O 11/01/28
0
2706046 225/225 F 283,000.00 ZZ
360 282,756.35 1
7 PETER GAMBLE LANE 6.750 1,835.53 73
6.500 1,835.53 389,000.00
GLEN MILLS PA 19342 2 11/04/98 00
008739382 03 01/01/99 0
008739382 O 12/01/28
0
1
2706047 225/225 F 254,200.00 ZZ
360 253,782.05 1
2970 ST JOHNS AVENUE #12A 7.000 1,691.20 90
6.750 1,691.20 282,499.00
JACKSONVILLE FL 32205 1 10/30/98 11
008741441 01 12/01/98 25
008741441 O 11/01/28
0
2706048 225/225 F 300,000.00 ZZ
360 299,741.71 1
5500 PEAKTON DRIVE 6.750 1,945.79 71
6.500 1,945.79 424,000.00
RALEIGH NC 27614 1 11/04/98 00
008743649 05 01/01/99 0
008743649 O 12/01/28
0
2706049 225/225 F 350,400.00 ZZ
360 349,823.88 1
210 KENWOOD DRIVE 7.000 2,331.22 80
6.750 2,331.22 438,000.00
LEXINGTON SC 29072 2 10/20/98 00
008909406 03 12/01/98 0
008909406 O 11/01/28
0
2706050 225/225 F 500,000.00 T
360 499,619.54 1
490 YORK STREET 7.375 3,453.38 80
7.125 3,453.38 625,000.00
YORK ME 03911 2 11/05/98 00
008910725 05 01/01/99 0
008910725 O 12/01/28
0
2706051 225/225 F 315,000.00 ZZ
360 314,519.14 1
5411 KIRKWOOD DRIVE 7.375 2,175.63 74
7.125 2,175.63 430,000.00
BETHESDA MD 20816 2 10/13/98 00
008911606 05 12/01/98 0
008911606 O 11/01/28
0
2706052 225/225 F 362,600.00 ZZ
360 362,003.82 1
1
309 KENTUCKY AVE 7.000 2,412.39 75
6.750 2,412.39 483,500.00
ALEXANDRIA VA 22302 5 10/07/98 00
008911809 05 12/01/98 0
008911809 O 11/01/28
0
2706053 225/225 F 267,000.00 ZZ
360 264,327.91 1
12005 BROOKFIELD CLUB DRIVE 6.875 1,754.00 75
6.625 1,754.00 356,000.00
ROSWELL GA 30075 5 10/08/98 00
008912202 05 12/01/98 0
008912202 O 11/01/28
0
2706054 225/225 F 281,600.00 ZZ
360 227,081.99 1
1474 HAMPTON HILL CIRCLE 7.250 1,921.01 80
7.000 1,921.01 352,000.00
MCLEAN VA 22101 1 10/02/98 00
008912338 03 11/01/98 0
008912338 O 10/01/28
0
2706055 225/225 F 280,000.00 ZZ
360 279,336.21 1
145 LAKE FOREST DRIVE 7.250 1,910.09 60
7.000 1,910.09 470,000.00
FREDERICKSBURG VA 22406 2 10/23/98 00
008912639 03 12/01/98 0
008912639 O 11/01/28
0
2706056 225/225 F 247,500.00 ZZ
360 247,112.68 1
3259 SOMERSET STREET SOUTHWES 7.250 1,688.39 75
7.000 1,688.39 330,000.00
ROANOKE VA 24014 5 10/29/98 00
008912643 05 12/01/98 0
008912643 O 11/01/28
0
2706057 225/225 F 637,500.00 ZZ
360 636,403.28 1
1920 PLYMOUTH ST, NW 6.875 4,187.92 77
6.625 4,187.92 830,000.00
WASHINGTON DC 20012 2 10/23/98 00
008912711 05 12/01/98 0
1
008912711 O 11/01/28
0
2706058 225/225 F 300,000.00 ZZ
360 299,481.97 1
1 SUMMERFIELDS COURT 6.750 1,945.79 80
6.500 1,945.79 375,000.00
LUTHERVILLE MD 21093 1 10/22/98 00
008912755 03 12/01/98 0
008912755 O 11/01/28
0
2706059 225/225 F 464,000.00 ZZ
360 463,600.50 1
500 OLD SAYBROOK WAY 6.750 3,009.50 75
6.500 3,009.50 625,000.00
GREAT FALLS VA 22066 2 11/06/98 00
008913270 05 01/01/99 0
008913270 O 12/01/28
0
2706061 225/225 F 303,200.00 ZZ
360 302,663.50 1
506 WINDERMERE AVENUE 6.625 1,941.43 80
6.375 1,941.43 379,000.00
INTERLAKEN NJ 07712 1 10/30/98 00
006104769 05 12/01/98 0
006104769 O 11/01/28
0
2706062 225/225 F 366,000.00 ZZ
360 364,885.77 1
224 TRIANON LANE 7.250 2,496.77 78
7.000 2,496.77 472,000.00
VILLANOVA PA 19085 2 09/29/98 00
006104856 03 11/01/98 0
006104856 O 10/01/28
0
2706064 225/225 F 380,000.00 ZZ
360 379,327.63 1
153 DUXBURY ROAD 6.625 2,433.18 71
6.375 2,433.18 538,500.00
PURCHASE NY 10577 1 10/14/98 00
008156220 05 12/01/98 0
008156220 O 11/01/28
0
1
2706065 225/225 F 333,000.00 ZZ
360 332,410.78 1
7720 S.W. 115 STREET 6.625 2,132.24 70
6.375 2,132.24 482,000.00
PINECREST FL 33156 1 10/29/98 00
008249744 05 12/01/98 0
008249744 O 11/01/28
0
2706066 225/225 F 290,000.00 ZZ
360 288,888.20 1
5374 MANTEO INLET 7.375 2,002.96 71
7.125 2,002.96 410,000.00
NORCROSS GA 30092 5 10/23/98 00
008430241 05 12/01/98 0
008430241 O 11/01/28
0
2706067 225/225 F 264,000.00 ZZ
360 263,576.51 1
2833 CENTER RIDGE DRIVE 7.125 1,778.62 78
6.875 1,778.62 342,000.00
OAKTON VA 22124 2 10/05/98 00
008430962 03 12/01/98 0
008430962 O 11/01/28
0
2706068 225/225 F 375,000.00 ZZ
360 374,138.70 1
133 SIENNA COURT 7.375 2,590.03 65
7.125 2,590.03 584,260.00
SANTA ROSA BEAC FL 32459 1 09/15/97 00
008650410 05 11/01/98 0
008650410 O 10/01/28
0
2706069 225/225 F 415,000.00 ZZ
360 413,998.47 1
228 SEA ISLAND DRIVE 7.125 2,795.93 80
6.875 2,795.93 523,000.00
PONTE VEDRA BEA FL 32082 1 10/01/98 00
008650807 05 11/01/98 0
008650807 O 10/01/28
0
2706070 225/225 F 340,000.00 ZZ
360 339,159.02 1
61 HIGH RIDGE ROAD 7.000 2,262.03 80
6.750 2,262.03 425,000.00
1
REDDING CT 06840 1 09/30/98 00
008735138 05 11/01/98 0
008735138 O 10/01/28
0
2706071 225/225 F 558,000.00 ZZ
360 557,059.75 1
161 TRADD STREET 6.875 3,665.66 80
6.625 3,665.66 697,500.00
CHARLESTON SC 29401 1 10/15/98 00
008735357 05 12/01/98 0
008735357 O 11/01/28
0
2706072 225/225 F 262,800.00 ZZ
360 262,600.03 1
20895 8TH AVENUE WEST 7.375 1,815.09 90
7.125 1,815.09 292,000.00
CUDJOE KEY FL 33042 1 11/09/98 14
008735658 05 01/01/99 25
008735658 O 12/01/28
0
2706073 225/225 F 600,000.00 ZZ
360 598,515.95 1
308 CALAMONDINE STREET 7.000 3,991.81 60
6.750 3,991.81 1,000,000.00
DUCK KEY FL 33050 1 09/08/98 00
008736304 05 11/01/98 0
008736304 O 10/01/28
0
2706074 225/225 F 396,000.00 ZZ
360 395,119.41 1
6 FAIRFAX COURT 6.750 2,568.45 80
6.500 2,568.45 495,000.00
CHARLESTON SC 29407 1 10/15/98 00
008736451 05 12/01/98 0
008736451 O 11/01/28
0
2706075 225/225 F 393,750.00 ZZ
360 393,102.60 1
1608 HAMPTON COURT 7.000 2,619.63 75
6.750 2,619.63 525,000.00
SAFTY HARBOR FL 34695 5 10/09/98 00
008737376 03 12/01/98 0
008737376 O 11/01/28
0
1
2706076 225/225 F 275,000.00 ZZ
360 274,547.86 1
4 OLDWICK COURT 7.000 1,829.58 44
6.750 1,829.58 635,000.00
MIDDLETOWN NJ 07737 1 10/30/98 00
008737497 05 12/01/98 0
008737497 O 11/01/28
0
2706077 225/225 F 527,500.00 ZZ
360 526,611.14 1
2489 POINCIANA DRIVE 6.875 3,465.30 80
6.625 3,465.30 660,000.00
WESTON FL 33327 1 10/09/98 00
008737719 03 12/01/98 0
008737719 O 11/01/28
0
2706080 225/225 F 348,000.00 ZZ
360 347,441.77 1
4324 CLUB DRIVE NE 7.125 2,344.54 60
6.875 2,344.54 580,000.00
ATLANTA GA 30319 5 10/15/98 00
008911815 05 12/01/98 0
008911815 O 11/01/28
0
2706081 225/225 F 384,800.00 T
360 384,425.99 1
2060 HORNE'S LAKE 6.125 2,338.09 80
5.875 2,338.09 481,000.00
WILLIAMSBURG VA 23185 1 11/11/98 00
008912633 03 01/01/99 0
008912633 O 12/01/28
0
2708421 696/G01 F 548,000.00 ZZ
360 547,516.52 1
6033 FRANKLIN PARK ROAD 6.625 3,508.90 80
6.375 3,508.90 685,000.00
MCLEAN VA 22101 2 12/04/98 00
0431133891 05 01/01/99 0
2288366 O 12/01/28
0
2708422 696/G01 F 115,500.00 ZZ
360 115,407.64 1
1
13837 GREY COLT DRIVE 7.125 778.14 70
6.875 778.14 165,000.00
GAITHERSBURG MD 20878 1 12/04/98 00
0431134030 03 01/01/99 0
3278300 O 12/01/28
0
2708424 696/G01 F 290,000.00 ZZ
360 290,000.00 1
4128 FORT WORTH PLACE 7.375 2,002.96 67
7.125 2,002.96 439,000.00
ALEXANDRIA VA 22304 1 12/07/98 00
0431133883 05 02/01/99 0
7008259 O 01/01/29
0
2709052 696/G01 F 624,900.00 ZZ
360 624,436.24 1
13116 BRUSHWOOD WAY 7.500 4,369.39 76
7.250 4,369.39 830,000.00
POTOMAC MD 20854 4 12/04/98 00
0431130418 05 01/01/99 0
1008076 O 12/01/28
0
2709053 696/G01 F 251,100.00 ZZ
360 251,100.00 1
1366 DOMINION RIDGE LANE 7.000 1,670.57 75
6.750 1,670.57 334,805.00
HERNDON VA 20170 1 12/08/98 00
0431130434 05 02/01/99 0
2418068 O 01/01/29
0
2709054 696/G01 F 292,000.00 ZZ
360 291,742.37 1
3504 WHITEHAVEN PARKWAY NW 6.625 1,869.71 80
6.375 1,869.71 365,000.00
WASHINGTON DC 20007 1 11/16/98 00
0431130483 05 01/01/99 0
3118198 O 12/01/28
0
2709682 696/G01 F 252,000.00 ZZ
360 252,000.00 1
10237 CROSSCUT WAY 7.375 1,740.50 80
7.125 1,740.50 315,000.00
DAMASCUS MD 20872 2 12/07/98 00
0431132117 03 02/01/99 0
1
3298125 O 01/01/29
0
2710307 696/G01 F 487,850.00 ZZ
360 487,850.00 1
18564 SEMINOLE COURT 7.250 3,328.00 75
7.000 3,328.00 650,473.00
LEESBURG VA 20176 1 12/10/98 00
0431136951 03 02/01/99 0
2438086 O 01/01/29
0
2711158 696/G01 F 463,200.00 ZZ
360 463,200.00 1
1219 EVERMAY COURT 6.500 2,927.74 80
6.250 2,927.74 579,000.00
MCLEAN VA 22101 1 12/15/98 00
0431138759 05 02/01/99 0
2238212 O 01/01/29
0
2711159 696/G01 F 319,200.00 ZZ
360 319,200.00 1
10307 BRANDENBURG COURT 7.250 2,177.51 80
7.000 2,177.51 399,000.00
GREAT FALLS VA 22066 1 12/14/98 00
0431138858 03 02/01/99 0
2158235 O 01/01/29
0
2711161 696/G01 F 575,000.00 ZZ
360 574,516.93 1
10720 STANMORE DRIVE 6.875 3,777.34 50
6.625 3,777.34 1,150,000.00
POTOMAC MD 20854 2 12/03/98 00
0431138890 05 01/01/99 0
1018127 O 12/01/28
0
2711162 696/G01 F 356,000.00 ZZ
360 356,000.00 1
3930 N. UPLAND STREET 7.500 2,489.20 80
7.250 2,489.20 445,000.00
ARLINGTON VA 22207 2 12/08/98 00
0431138908 05 02/01/99 0
1018175 O 01/01/29
0
1
2711998 696/G01 F 308,000.00 ZZ
360 308,000.00 1
957 SPENCER ROAD 7.250 2,101.10 80
7.000 2,101.10 385,000.00
MCLEAN VA 22102 1 12/11/98 00
0431138460 05 02/01/99 0
3268330 O 01/01/29
0
2712000 696/G01 F 386,000.00 ZZ
360 386,000.00 1
6071 ROCK HILL MILL ROAD 7.000 2,568.07 47
6.750 2,568.07 825,000.00
THE PLAINS VA 20198 2 12/09/98 00
0431138494 05 02/01/99 0
5018132 O 01/01/29
0
2712001 G75/G75 F 207,200.00 ZZ
360 205,425.65 1
1222 W. FRANKLIN STREET 7.875 1,502.35 80
7.625 1,502.35 259,000.00
RICHMOND VA 23220 1 12/16/97 00
03394688 05 02/01/98 0
03394688 O 01/01/28
0
2712002 G75/G75 F 258,400.00 ZZ
360 258,203.37 1
2662 MONMOUTH ROAD 7.375 1,784.71 85
7.125 1,784.71 304,000.00
SPRINGFIELD TWP NJ 08041 2 11/16/98 14
03651646 05 01/01/99 22
03651646 O 12/01/28
0
2712003 G75/G75 F 432,600.00 ZZ
360 432,600.00 1
5 HILLSIDE AVE 7.000 2,878.10 49
6.750 2,878.10 885,000.00
MILLBURN NJ 07041 2 11/30/98 00
03677727 05 02/01/99 0
03677727 O 01/01/29
0
2712004 G75/G75 F 283,000.00 ZZ
360 282,768.02 1
63 VERDERAME COURT 7.000 1,882.81 95
6.750 1,882.81 300,000.00
1
SOUTHINGTON CT 06489 2 11/20/98 14
03678565 05 01/01/99 30
03678565 O 12/01/28
0
2712005 G75/G75 F 318,250.00 ZZ
360 317,995.50 1
37 ARCHER LANE 7.125 2,144.11 95
6.875 2,144.11 335,000.00
BERKELEY HEIGHT NJ 07922 1 11/20/98 12
03676410 05 01/01/99 30
03676410 O 12/01/28
0
2712006 G75/G75 F 339,950.00 ZZ
360 339,678.14 1
117 FOX TRAIL TERRACE 7.125 2,290.31 76
6.875 2,290.31 448,554.00
NORTH POTOMAC MD 20878 1 11/20/98 00
03677070 03 01/01/99 0
03677070 O 12/01/28
0
2712007 G75/G75 F 308,000.00 ZZ
360 308,000.00 1
501 AMPTHILL ROAD STATE RT 602 6.750 1,997.69 80
6.500 1,997.69 385,000.00
CARTERSVILLE VA 23027 1 12/02/98 00
03685471 05 02/01/99 0
03685471 O 01/01/29
0
2712010 G75/G75 F 317,600.00 ZZ
360 317,358.33 1
1299 CLEARVIEW DRIVE 7.375 2,193.59 80
7.125 2,193.59 397,000.00
YARDLEY PA 19067 1 11/20/98 00
03564209 05 01/01/99 0
03564209 O 12/01/28
0
2712011 G75/G75 F 249,200.00 ZZ
360 249,010.37 1
5 HICKORY LANE 7.375 1,721.17 80
7.125 1,721.17 311,540.00
IPSWICH MA 01938 1 11/30/98 00
03673882 05 01/01/99 0
03673882 O 12/01/28
0
1
2712012 G75/G75 F 275,900.00 ZZ
360 275,684.77 1
LOT 19 AMY DRIVE 7.250 1,882.13 79
7.000 1,882.13 350,000.00
DENTSVILLE MD 20646 2 11/09/98 00
03491836 05 01/01/99 0
03491836 O 12/01/28
0
2712013 G75/G75 F 396,400.00 ZZ
360 396,098.37 1
2707 P STREET NW 7.375 2,737.84 73
7.125 2,737.84 550,000.00
WASHINGTON DC 20007 2 11/18/98 00
03703370 05 01/01/99 0
03703370 O 12/01/28
0
2712014 G75/G75 F 293,250.00 T
360 293,015.49 1
68 SUNSET STRIP 7.125 1,975.68 85
6.875 1,975.68 345,000.00
BANNER ELK NC 28604 1 11/18/98 14
03632634 03 01/01/99 12
03632634 O 12/01/28
0
2712016 G75/G75 F 298,600.00 ZZ
360 298,367.06 1
12048 EDGEWOOD 7.250 2,036.98 80
7.000 2,036.98 373,300.00
LOCKPORT IL 60441 1 11/30/98 00
03591155 05 01/01/99 0
03591155 O 12/01/28
0
2712017 G75/G75 F 256,650.00 ZZ
360 256,434.38 1
1029 NORFOLK DRIVE 6.875 1,686.01 80
6.625 1,686.01 320,879.00
LAPLATA MD 20646 1 11/30/98 00
03588677 03 01/01/99 0
03588677 O 12/01/28
0
2712018 G75/G75 F 247,100.00 ZZ
360 246,892.40 1
1
2901 ANGELFIRE LANE 6.875 1,623.28 80
6.625 1,623.28 308,882.00
AUSTIN TX 78746 1 11/16/98 00
03663211 05 01/01/99 0
03663211 O 12/01/28
0
2712020 G75/G75 F 240,800.00 ZZ
360 240,630.04 1
4811 41ST STREET NW 7.750 1,725.13 80
7.500 1,725.13 301,000.00
WASHINGTON DC 20016 1 11/30/98 00
03708356 05 01/01/99 0
03708356 O 12/01/28
0
2712023 G75/G75 F 450,000.00 ZZ
360 449,657.58 1
1354 VINCENZO DRIVE 7.375 3,108.04 77
7.125 3,108.04 590,000.00
DOVER NJ 08753 2 11/13/98 00
03261473 05 01/01/99 0
03261473 O 12/01/28
0
2712024 G75/G75 F 385,000.00 ZZ
360 385,000.00 1
333 MURPHY LAKE LANE 7.375 2,659.10 62
7.125 2,659.10 625,000.00
PARK RIDGE IL 60068 1 12/11/98 00
03675862 05 02/01/99 0
03675862 O 01/01/29
0
2712321 696/G01 F 409,250.00 ZZ
360 409,250.00 1
16708 HARBOUR TOWN DRIVE 7.375 2,826.59 80
7.125 2,826.59 511,610.00
SILVER SPRING MD 20905 1 12/16/98 00
0431139013 03 02/01/99 0
3198218 O 01/01/29
0
2713749 696/G01 F 363,200.00 ZZ
360 363,200.00 1
210 NORTH IRVING STREET 6.875 2,385.97 80
6.625 2,385.97 454,000.00
ARLINGTON VA 22201 1 12/18/98 00
0431141597 05 02/01/99 0
1
2288368 O 01/01/29
0
2713751 696/G01 F 198,550.00 ZZ
360 198,550.00 1
6 SILVER GATE COURT 7.375 1,371.34 70
7.125 1,371.34 283,700.00
PERRY HALL MD 21128 1 12/17/98 00
0431141829 03 02/01/99 0
3018330 O 01/01/29
0
2713753 696/G01 F 210,000.00 ZZ
360 210,000.00 1
2325 NORTH UTAH STREET 7.750 1,504.47 70
7.500 1,504.47 300,000.00
ARLINGTON VA 22207 1 12/16/98 00
0431141787 05 02/01/99 0
7008245 O 01/01/29
0
2714135 696/G01 F 472,800.00 ZZ
360 472,800.00 1
13308 QUERY MILL ROAD 7.000 3,145.55 80
6.750 3,145.55 591,000.00
GAITHERSBURG MD 20878 1 12/22/98 00
0431147156 05 02/01/99 0
3278307 O 01/01/29
0
2714136 696/G01 F 319,200.00 ZZ
360 319,200.00 1
12004 HOLLY CREST COURT 6.750 2,070.33 80
6.500 2,070.33 399,000.00
GREAT FALLS VA 22066 1 12/21/98 00
0431147131 03 02/01/99 0
2468056 O 01/01/29
0
2714137 696/G01 F 356,000.00 ZZ
360 356,000.00 1
302 NORTH VIEW TERRACE 6.875 2,338.67 80
6.625 2,338.67 445,000.00
ALEXANDRIA VA 22301 1 12/18/98 00
0431147115 05 02/01/99 0
7008276 O 01/01/29
0
1
2714140 696/G01 F 298,800.00 ZZ
360 298,800.00 1
47759 HAMMERSTONE WAY 7.250 2,038.34 80
7.000 2,038.34 373,500.00
STERLING VA 20165 1 12/21/98 00
0431147164 03 02/01/99 0
2328211 O 01/01/29
0
2715691 696/G01 F 295,900.00 ZZ
360 295,900.00 1
5905 EWING PLACE 6.500 1,870.29 80
6.250 1,870.29 369,900.00
ALEXANDRIA VA 22310 1 12/22/98 00
0431149640 03 02/01/99 0
3128376 O 01/01/29
0
2715692 696/G01 F 445,650.00 ZZ
360 445,650.00 1
11503 RIDGE MIST TERRACE 7.500 3,116.05 80
7.250 3,116.05 557,110.00
POTOMAC MD 20854 1 12/18/98 00
0431149541 03 02/01/99 0
6098167 O 01/01/29
0
2715693 696/G01 F 533,800.00 ZZ
360 533,800.00 1
1104 MILL FIELD COURT 6.875 3,506.69 80
6.625 3,506.69 667,265.00
GREAT FALLS VA 22066 1 12/22/98 00
0431149574 05 02/01/99 0
2138148 O 01/01/29
0
2715695 696/G01 F 503,600.00 ZZ
360 503,600.00 1
2471 N. WAKEFIELD COURT 6.500 3,183.09 80
6.250 3,183.09 629,500.00
ARLINGTON VA 22207 1 12/22/98 00
0431149525 03 02/01/99 0
2268305 O 01/01/29
0
2715696 696/G01 F 332,000.00 ZZ
360 332,000.00 1
621 BEVERLY DRIVE 6.500 2,098.47 80
6.250 2,098.47 415,000.00
1
ALEXANDRIA VA 22305 2 12/18/98 00
0431149590 05 02/01/99 0
2318107 O 01/01/29
0
2715697 696/G01 F 488,000.00 ZZ
360 488,000.00 1
2014 ROCKINGHAM STREET 7.250 3,329.02 78
7.000 3,329.02 630,000.00
MCLEAN VA 22101 4 12/17/98 00
0431149566 05 02/01/99 0
1008080 O 01/01/29
0
2715698 696/G01 F 284,000.00 ZZ
360 284,000.00 1
3119 WHITE PEACH PLACE 7.125 1,913.36 80
6.875 1,913.36 355,000.00
FAIRFAX VA 22031 2 12/21/98 00
0431149558 03 02/01/99 0
2378365 O 01/01/29
0
2715700 696/G01 F 427,150.00 ZZ
360 427,150.00 1
3421 PATTERSON STREET, N.W. 7.125 2,877.79 63
6.875 2,877.79 686,000.00
WASHINGTON DC 20015 2 12/18/98 00
0431149517 05 02/01/99 0
3118233 O 01/01/29
0
2716190 696/G01 F 460,850.00 ZZ
360 460,850.00 1
10560 FOX FOREST DRIVE 7.500 3,222.33 80
7.250 3,222.33 576,098.00
GREAT FALLS VA 22066 1 12/18/98 00
0431149699 05 02/01/99 0
2328063 O 01/01/29
0
2716193 696/G01 F 348,000.00 ZZ
360 348,000.00 1
3500 14TH STREET NORTH 6.500 2,199.60 80
6.250 2,199.60 440,000.00
ARLINGTON VA 22201 2 12/21/98 00
0431149665 05 02/01/99 0
2268304 O 01/01/29
0
1
2716194 696/G01 F 420,000.00 ZZ
360 420,000.00 1
10743 RIVERSCAPE RUN 6.500 2,654.69 69
6.250 2,654.69 615,000.00
GREAT FALLS VA 22066 1 12/17/98 00
0431149681 05 02/01/99 0
1008082 O 01/01/29
0
2716557 286/286 F 439,200.00 ZZ
360 438,857.38 1
2120 SPENCER'S WAY 7.250 2,996.12 80
7.000 2,996.12 549,000.00
STONE MOUNTAIN GA 30087 1 12/03/98 00
0000604857 05 01/01/99 0
0000604857 O 12/01/28
0
2716560 286/286 F 61,200.00 ZZ
360 61,083.36 1
357 E HOLMES AVE 7.250 417.49 54
7.000 417.49 115,000.00
MESA AZ 85210 2 10/19/98 00
0000995044 05 12/01/98 0
0000995044 O 11/01/28
0
2716561 286/286 F 322,000.00 ZZ
360 321,748.81 1
20857 N SWAMSWAY 7.250 2,196.61 70
7.000 2,196.61 460,000.00
BARRINGTON IL 60010 2 11/13/98 00
0000995493 03 01/01/99 0
0000995493 O 12/01/28
0
2716562 286/286 F 650,000.00 ZZ
360 649,480.21 1
1515 WIGHTMAN ST 7.125 4,379.17 77
6.875 4,379.17 850,000.00
PITTSBURGH PA 15217 2 11/20/98 00
0000996688 05 01/01/99 0
0000996688 O 12/01/28
0
2716565 286/286 F 421,750.00 ZZ
360 421,420.99 1
1
1514 YUKON PL 7.250 2,877.08 80
7.000 2,877.08 527,212.00
LIVERMORE CA 94550 1 11/18/98 00
0008654291 05 01/01/99 0
0008654291 O 12/01/28
0
2716567 286/286 F 480,900.00 ZZ
360 479,385.74 1
1565 KLONDIKE PL 7.250 3,280.59 80
7.000 3,280.59 605,000.00
LIVERMORE CA 94550 2 08/18/98 00
0008781850 05 10/01/98 0
0008781850 O 09/01/28
0
2716571 286/286 F 43,600.00 ZZ
360 43,462.71 1
533 PONTIAC AVE 7.250 297.43 80
7.000 297.43 54,500.00
BALTIMORE MD 21225 1 08/31/98 00
0009043424 05 10/01/98 0
0009043424 O 09/01/28
0
2716573 286/286 F 230,850.00 ZZ
360 230,460.99 1
1738 E KRAMER ST 6.875 1,516.53 95
6.625 1,516.53 243,000.00
MESA AZ 85203 1 10/13/98 12
0009275911 03 12/01/98 30
0009275911 O 11/01/28
0
2716574 286/286 F 284,900.00 ZZ
360 284,046.26 1
11403 E SWEETWATER AVE 7.500 1,992.07 95
7.250 1,992.07 299,898.00
SCOTTSDALE AZ 85259 1 08/11/98 12
0009275936 03 10/01/98 30
0009275936 O 09/01/28
0
2716575 286/286 F 137,500.00 ZZ
360 137,295.26 1
4625 132ND AVE 7.500 961.43 61
7.250 961.43 229,000.00
HAMILTON MI 49419 1 10/08/98 00
0009276925 05 12/01/98 0
1
0009276925 O 11/01/28
0
2716578 286/286 F 334,400.00 ZZ
360 333,210.40 1
700 PINE LEAF CT 7.125 2,252.92 80
6.875 2,252.92 418,047.00
ALPHARETTA GA 30022 1 09/10/98 00
0009374036 03 11/01/98 0
0009374036 O 10/01/28
0
2716579 286/286 F 90,800.00 ZZ
360 90,664.80 1
3659 FOX CHASE DR 7.500 634.89 80
7.250 634.89 113,500.00
DOVER PA 17315 1 10/21/98 00
0009374150 05 12/01/98 0
0009374150 O 11/01/28
0
2716581 286/286 F 328,000.00 ZZ
360 327,724.44 1
48201 HILLTOP DRIVE EAST 6.875 2,154.73 75
6.625 2,154.73 440,000.00
PLYMOUTH TWP MI 48170 2 11/17/98 00
0009396568 05 01/01/99 0
0009396568 O 12/01/28
0
2716582 286/286 F 247,000.00 ZZ
360 246,622.95 1
11570 E CHAMA RD 7.375 1,705.97 75
7.125 1,705.97 330,000.00
SCOTTSDALE AZ 85255 2 10/26/98 00
0009402398 03 12/01/98 0
0009402398 O 11/01/28
0
2716773 696/G01 F 266,600.00 ZZ
360 266,600.00 1
4519 WINDING OAK DRIVE 7.500 1,864.11 80
7.250 1,864.11 333,297.00
OLNEY MD 20832 1 12/28/98 00
0431157874 03 02/01/99 0
3198226 O 01/01/29
0
1
2716774 696/G01 F 287,800.00 ZZ
360 287,800.00 1
6 MARBLE HILL COURT 6.750 1,866.67 80
6.500 1,866.67 359,750.00
GERMANTOWN MD 20874 1 12/23/98 00
0431154848 03 02/01/99 0
3228207 O 01/01/29
0
2716775 696/G01 F 291,000.00 ZZ
360 291,000.00 1
22016 IVY LEAF DRIVE 6.500 1,839.32 80
6.250 1,839.32 363,799.00
BOYDS MD 20841 1 12/22/98 00
0431157742 03 02/01/99 0
3278140 O 01/01/29
0
2716779 696/G01 F 280,800.00 ZZ
360 280,800.00 1
5709 18TH ROAD NORTH 6.500 1,774.85 80
6.250 1,774.85 351,000.00
ARLINGTON VA 22205 1 12/28/98 00
0431157965 05 02/01/99 0
2238209 O 01/01/29
0
2716780 696/G01 F 295,000.00 ZZ
360 295,000.00 1
19292 LOUDOUN ORCHARD ROAD 7.000 1,962.64 75
6.750 1,962.64 395,000.00
LEESBURG VA 20175 2 12/23/98 00
0431154665 05 02/01/99 0
2378373 O 01/01/29
0
2717369 696/G01 F 274,000.00 ZZ
360 274,000.00 1
403 CREEK VALLEY LANE 6.750 1,777.16 76
6.500 1,777.16 362,140.00
ROCKVILLE MD 20850 1 12/21/98 00
0431153444 03 02/01/99 0
3278306 O 01/01/29
0
2717370 696/G01 F 549,900.00 ZZ
360 549,900.00 1
14044 GORKY DRIVE 7.250 3,751.29 80
7.000 3,751.29 687,386.00
1
POTOMAC MD 20854 1 12/29/98 00
0431153287 03 02/01/99 0
6018233 O 01/01/29
0
2717371 696/G01 F 368,000.00 ZZ
360 368,000.00 1
430 NORTH UNION STREET 7.125 2,479.28 80
6.875 2,479.28 460,000.00
ALEXANDRIA VA 22314 1 12/29/98 00
0431153642 05 02/01/99 0
7008262 O 01/01/29
0
2717374 696/G01 F 351,450.00 ZZ
360 351,450.00 1
13345 POTOMAC PATH DRIVE 6.750 2,279.50 72
6.500 2,279.50 489,000.00
WOODBRIDGE VA 22191 1 12/21/98 00
0431154368 03 02/01/99 0
1008067 O 01/01/29
0
2717849 696/G01 F 825,000.00 ZZ
360 825,000.00 1
5704 BENT BRANCH ROAD 7.000 5,488.75 75
6.750 5,488.75 1,100,000.00
BETHESDA MD 20816 1 12/30/98 00
0431158732 05 02/01/99 0
3298112 O 01/01/29
0
2717851 696/G01 F 270,350.00 ZZ
360 270,350.00 1
5943 DOROTHY BOLTON COURT 7.000 1,798.65 80
6.750 1,798.65 337,991.00
ALEXANDRIA VA 22310 1 12/30/98 00
0431158625 03 02/01/99 0
2438287 O 01/01/29
0
2717852 696/G01 F 538,200.00 ZZ
360 538,200.00 1
1592 CARLIN LANE 7.125 3,625.95 80
6.875 3,625.95 672,805.00
MCLEAN VA 22101 1 12/29/98 00
0431158641 05 02/01/99 0
2368216 O 01/01/29
0
1
2718467 696/G01 F 400,000.00 ZZ
360 400,000.00 1
4115 HAVERFORD DRIVE 7.500 2,796.86 89
7.250 2,796.86 450,000.00
ROCKVILLE MD 20853 1 12/30/98 10
0431160316 05 02/01/99 25
3298162 O 01/01/29
0
2718468 696/G01 F 196,000.00 ZZ
360 196,000.00 1
8621 CALYPSO LANE 7.250 1,337.07 80
7.000 1,337.07 245,000.00
GAITHERSBURG MD 20879 1 12/31/98 00
0431160324 03 02/01/99 0
3228214 O 01/01/29
0
2718469 696/G01 F 316,000.00 ZZ
360 316,000.00 1
12103 CITRUS GROVE ROAD 7.250 2,155.68 80
7.000 2,155.68 395,000.00
NORTH POTOMAC MD 20878 1 12/29/98 00
0431160340 03 02/01/99 0
6018224 O 01/01/29
0
2718471 696/G01 F 428,000.00 ZZ
360 428,000.00 1
7821 HAMPDEN LANE 6.875 2,811.66 80
6.625 2,811.66 535,000.00
BETHESDA MD 20814 1 12/30/98 00
0431160365 05 02/01/99 0
3128365 O 01/01/29
0
2718726 354/354 F 268,000.00 ZZ
360 267,384.45 1
1802 KING RICHARD CR 7.375 1,851.01 69
7.125 1,851.01 390,000.00
ST CHARLES IL 60174 1 09/10/98 00
0022176101 03 11/01/98 0
0022176101 O 10/01/28
0
2718743 354/354 F 220,000.00 ZZ
360 219,455.82 1
1
1112 PRELUDE CT 7.000 1,463.67 74
6.750 1,463.67 300,000.00
NAPERVILE IL 60564 2 09/21/98 00
0022258750 05 11/01/98 0
0022258750 O 10/01/28
0
2718757 354/354 F 505,000.00 ZZ
360 503,781.27 1
539 E 3RD STREET 7.125 3,402.28 79
6.875 3,402.28 645,000.00
HINSDALE IL 60521 1 09/28/98 00
0022291405 05 11/01/98 0
0022291405 O 10/01/28
0
2718758 354/354 F 252,000.00 ZZ
360 251,391.84 1
6623 N CHICORA 7.125 1,697.77 80
6.875 1,697.77 316,000.00
CHICAGO IL 60646 1 09/30/98 00
0022292130 05 11/01/98 0
0022292130 O 10/01/28
0
2718775 354/354 F 262,375.00 ZZ
360 261,693.48 1
7019 ROSADO DRIVE 6.750 1,701.76 80
6.500 1,701.76 327,971.00
EL DORADO HILLS CA 95672 1 09/23/98 00
0022324792 03 11/01/98 0
0022324792 O 10/01/28
0
2718780 354/354 F 332,000.00 ZZ
360 331,116.37 1
1 SIERRA COURT 6.625 2,125.84 61
6.375 2,125.84 550,000.00
MORAGA CA 94556 5 09/25/98 00
0022337174 03 11/01/98 0
0022337174 O 10/01/28
0
2718795 354/354 F 256,000.00 ZZ
360 255,557.94 1
2711 URANIUM DRIVE 6.750 1,660.41 80
6.500 1,660.41 320,000.00
OXNARD CA 93030 2 10/02/98 00
0022378715 05 12/01/98 0
1
0022378715 O 11/01/28
0
2718796 354/354 F 370,000.00 ZZ
360 369,361.09 1
680 GOODHILL ROAD 6.750 2,399.81 27
6.500 2,399.81 1,375,000.00
KENTFIELD CA 94904 2 10/01/98 00
0022383210 05 12/01/98 0
0022383210 O 11/01/28
0
2718798 354/354 F 274,000.00 ZZ
360 273,354.90 1
1 HAMPTON LANE 7.250 1,869.16 79
7.000 1,869.16 350,000.00
HAWTHORN WOODS IL 60047 2 09/29/98 00
0022396139 05 11/01/98 0
0022396139 O 10/01/28
0
2718799 354/354 F 333,750.00 ZZ
360 332,964.21 1
7N727 PHAR LAP DRIVE 7.250 2,276.76 75
7.000 2,276.76 445,000.00
ST. CHARLES IL 60175 5 09/25/98 00
0022396261 05 11/01/98 0
0022396261 O 10/01/28
0
2721820 696/G01 F 266,400.00 ZZ
360 266,400.00 1
616 3RD STREET, N.E. 7.375 1,839.96 80
7.125 1,839.96 333,000.00
WASHINGTON DC 20002 1 12/30/98 00
0431168103 05 02/01/99 0
2318111 O 01/01/29
0
1
TOTAL NUMBER OF LOANS : 1,628
TOTAL ORIGINAL BALANCE : 523,012,454.80
TOTAL PRINCIPAL BALANCE : 522,274,252.73
TOTAL ORIGINAL P+I : 3,521,512.97
TOTAL CURRENT P+I : 3,521,512.97
***************************
* END OF REPORT *
***************************
1
RUN ON : 01/25/99 RFC DISCLOSURE SYSTEM RFFSDFIX-01
AT : 12.01.19 FIXED PASSTHRU REPORT AMORTIZED BALANCE
SERIES : RFMSI I 1999-S3 CUTOFF : 01/01/99
POOL : 0004354
:
:
POOL STATUS: F
RFC LOAN NUMBER SUB SERV FEE
PRINCIPAL BALANCE MSTR SERV FEE
CURR NOTE RATE ALL EXP
RFC NET RATE MISC EXP
NET MTG RATE(INVSTR RATE) SPREAD
POST STRIP RATE STRIP
------------------------------------------------------------------------------
1674561 .2500
300,000.00 .0800
7.3750 .0000
7.1250 .0000
7.0450 .0000
6.5000 .5450
1708390 .2500
132,192.83 .0800
7.5000 .0000
7.2500 .0000
7.1700 .0000
6.5000 .6700
1726700 .2500
79,085.77 .0800
7.8750 .0000
7.6250 .0000
7.5450 .0000
6.5000 1.0450
1755263 .2500
241,044.59 .0800
7.2500 .0000
7.0000 .0000
6.9200 .0000
6.5000 .4200
1795228 .2500
399,588.04 .0800
7.2500 .0000
7.0000 .0000
6.9200 .0000
6.5000 .4200
1812965 .2500
404,614.23 .0800
7.7500 .0000
7.5000 .0000
7.4200 .0000
6.5000 .9200
1
1829392 .2500
116,408.30 .0800
7.0000 .0000
6.7500 .0000
6.6700 .0000
6.5000 .1700
1830203 .2500
342,599.69 .0800
7.6250 .0000
7.3750 .0000
7.2950 .0000
6.5000 .7950
1838964 .2500
216,800.00 .0800
7.3750 .0000
7.1250 .0000
7.0450 .0000
6.5000 .5450
1840928 .2500
264,000.00 .0800
7.5000 .0000
7.2500 .0000
7.1700 .0000
6.5000 .6700
1841080 .2500
371,388.36 .0800
7.0000 .0000
6.7500 .0000
6.6700 .0000
6.5000 .1700
1841407 .2500
189,750.00 .0800
7.3750 .0000
7.1250 .0000
7.0450 .0000
6.5000 .5450
1842066 .2500
251,296.04 .0300
6.3750 .0000
6.1250 .0000
6.0950 .0000
6.0950 .0000
1843766 .2500
87,534.99 .0800
7.5000 .0000
7.2500 .0000
7.1700 .0000
6.5000 .6700
1
1843973 .2500
315,000.00 .0800
7.5000 .0000
7.2500 .0000
7.1700 .0000
6.5000 .6700
1844045 .2500
247,611.89 .0800
7.2500 .0000
7.0000 .0000
6.9200 .0000
6.5000 .4200
1845086 .2500
264,564.30 .0800
7.0000 .0000
6.7500 .0000
6.6700 .0000
6.5000 .1700
1845822 .2500
156,877.52 .0800
7.2500 .0000
7.0000 .0000
6.9200 .0000
6.5000 .4200
1846369 .2500
238,887.31 .0800
7.3750 .0000
7.1250 .0000
7.0450 .0000
6.5000 .5450
1846497 .2500
104,000.00 .0800
7.5000 .0000
7.2500 .0000
7.1700 .0000
6.5000 .6700
1847367 .2500
269,804.58 .0800
7.6250 .0000
7.3750 .0000
7.2950 .0000
6.5000 .7950
1847389 .2500
204,000.00 .0800
7.5000 .0000
7.2500 .0000
7.1700 .0000
6.5000 .6700
1
1847403 .2500
150,282.68 .0800
7.2500 .0000
7.0000 .0000
6.9200 .0000
6.5000 .4200
1848464 .2500
254,801.08 .0800
7.2500 .0000
7.0000 .0000
6.9200 .0000
6.5000 .4200
1848538 .2500
134,477.91 .0800
6.8750 .0000
6.6250 .0000
6.5450 .0000
6.5000 .0450
1848569 .2500
96,786.64 .0800
6.8750 .0000
6.6250 .0000
6.5450 .0000
6.5000 .0450
1849267 .2500
199,843.98 .0800
7.2500 .0000
7.0000 .0000
6.9200 .0000
6.5000 .4200
1849647 .2500
396,705.36 .0800
7.5000 .0000
7.2500 .0000
7.1700 .0000
6.5000 .6700
1849856 .2500
227,826.51 .0800
7.3750 .0000
7.1250 .0000
7.0450 .0000
6.5000 .5450
1849943 .2500
175,550.00 .0800
7.2500 .0000
7.0000 .0000
6.9200 .0000
6.5000 .4200
1
1850254 .2500
934,500.00 .0800
7.5000 .0000
7.2500 .0000
7.1700 .0000
6.5000 .6700
1850370 .2500
94,777.82 .0800
7.3750 .0000
7.1250 .0000
7.0450 .0000
6.5000 .5450
1850443 .2500
170,873.09 .0800
7.5000 .0000
7.2500 .0000
7.1700 .0000
6.5000 .6700
1850650 .2500
183,410.34 .0800
7.3750 .0000
7.1250 .0000
7.0450 .0000
6.5000 .5450
1850686 .2500
174,400.00 .0800
7.3750 .0000
7.1250 .0000
7.0450 .0000
6.5000 .5450
1850755 .2500
272,000.00 .0800
7.0000 .0000
6.7500 .0000
6.6700 .0000
6.5000 .1700
1851568 .2500
372,098.77 .0800
6.8750 .0000
6.6250 .0000
6.5450 .0000
6.5000 .0450
1851569 .2500
129,501.38 .0800
7.3750 .0000
7.1250 .0000
7.0450 .0000
6.5000 .5450
1
1851575 .2500
259,898.94 .0800
7.7500 .0000
7.5000 .0000
7.4200 .0000
6.5000 .9200
1851580 .2500
317,241.24 .0800
6.8750 .0000
6.6250 .0000
6.5450 .0000
6.5000 .0450
1851594 .2500
282,155.62 .0800
7.3750 .0000
7.1250 .0000
7.0450 .0000
6.5000 .5450
1851632 .2500
375,782.42 .0300
6.7500 .0000
6.5000 .0000
6.4700 .0000
6.4700 .0000
1851641 .2500
325,818.96 .0800
6.8750 .0000
6.6250 .0000
6.5450 .0000
6.5000 .0450
1851648 .2500
263,587.30 .0800
7.2500 .0000
7.0000 .0000
6.9200 .0000
6.5000 .4200
1851650 .2500
191,853.90 .0800
7.3750 .0000
7.1250 .0000
7.0450 .0000
6.5000 .5450
1851656 .2500
389,515.19 .0800
7.6250 .0000
7.3750 .0000
7.2950 .0000
6.5000 .7950
1
1851702 .2500
248,329.54 .0800
7.6250 .0000
7.3750 .0000
7.2950 .0000
6.5000 .7950
1851704 .2500
252,549.66 .0800
7.6250 .0000
7.3750 .0000
7.2950 .0000
6.5000 .7950
1851860 .2500
397,743.68 .0800
7.3750 .0000
7.1250 .0000
7.0450 .0000
6.5000 .5450
1851902 .2500
237,000.00 .0800
7.7500 .0000
7.5000 .0000
7.4200 .0000
6.5000 .9200
1851924 .2500
339,179.45 .0800
7.1250 .0000
6.8750 .0000
6.7950 .0000
6.5000 .2950
1851949 .2500
310,000.00 .0800
7.0000 .0000
6.7500 .0000
6.6700 .0000
6.5000 .1700
1851983 .2500
220,000.00 .0800
7.2500 .0000
7.0000 .0000
6.9200 .0000
6.5000 .4200
1852034 .2500
346,666.02 .0800
7.6250 .0000
7.3750 .0000
7.2950 .0000
6.5000 .7950
1
1852041 .2500
298,966.17 .0800
7.2500 .0000
7.0000 .0000
6.9200 .0000
6.5000 .4200
1852045 .2500
268,561.61 .0800
7.3750 .0000
7.1250 .0000
7.0450 .0000
6.5000 .5450
1852112 .2500
584,395.81 .0300
6.7500 .0000
6.5000 .0000
6.4700 .0000
6.4700 .0000
1852113 .2500
247,659.91 .0800
7.6250 .0000
7.3750 .0000
7.2950 .0000
6.5000 .7950
1852119 .2500
278,733.55 .0800
7.5000 .0000
7.2500 .0000
7.1700 .0000
6.5000 .6700
1852120 .2500
405,128.49 .0300
6.7500 .0000
6.5000 .0000
6.4700 .0000
6.4700 .0000
1852147 .2500
266,757.48 .0800
7.3750 .0000
7.1250 .0000
7.0450 .0000
6.5000 .5450
1852155 .2500
298,665.14 .0800
6.8750 .0000
6.6250 .0000
6.5450 .0000
6.5000 .0450
1
1852157 .2500
257,065.62 .0800
7.6250 .0000
7.3750 .0000
7.2950 .0000
6.5000 .7950
1852160 .2500
541,791.69 .0800
7.3750 .0000
7.1250 .0000
7.0450 .0000
6.5000 .5450
1852162 .2500
273,343.12 .0800
7.3750 .0000
7.1250 .0000
7.0450 .0000
6.5000 .5450
1852169 .2500
298,844.50 .0800
7.3750 .0000
7.1250 .0000
7.0450 .0000
6.5000 .5450
1852170 .2500
380,682.38 .0800
7.2500 .0000
7.0000 .0000
6.9200 .0000
6.5000 .4200
1852173 .2500
348,303.86 .0800
7.3750 .0000
7.1250 .0000
7.0450 .0000
6.5000 .5450
1852297 .2500
242,787.67 .0800
7.0000 .0000
6.7500 .0000
6.6700 .0000
6.5000 .1700
1852532 .2500
264,806.87 .0800
7.1250 .0000
6.8750 .0000
6.7950 .0000
6.5000 .2950
1
1852552 .2500
422,631.02 .0800
7.2500 .0000
7.0000 .0000
6.9200 .0000
6.5000 .4200
1852556 .2500
308,562.73 .0800
7.3750 .0000
7.1250 .0000
7.0450 .0000
6.5000 .5450
1852581 .2500
258,764.51 .0800
7.2500 .0000
7.0000 .0000
6.9200 .0000
6.5000 .4200
1852586 .2500
288,552.76 .0800
7.0000 .0000
6.7500 .0000
6.6700 .0000
6.5000 .1700
1852607 .2500
273,859.66 .0800
7.0000 .0000
6.7500 .0000
6.6700 .0000
6.5000 .1700
1852608 .2500
313,905.96 .0300
6.7500 .0000
6.5000 .0000
6.4700 .0000
6.4700 .0000
1852611 .2500
337,114.93 .0800
7.2500 .0000
7.0000 .0000
6.9200 .0000
6.5000 .4200
1852629 .2500
283,577.69 .0800
7.0000 .0000
6.7500 .0000
6.6700 .0000
6.5000 .1700
1
1852665 .2500
344,988.70 .0800
7.6250 .0000
7.3750 .0000
7.2950 .0000
6.5000 .7950
1852694 .2500
248,869.22 .0800
7.5000 .0000
7.2500 .0000
7.1700 .0000
6.5000 .6700
1852699 .2500
326,081.18 .0800
7.3750 .0000
7.1250 .0000
7.0450 .0000
6.5000 .5450
1852709 .2500
378,803.46 .0800
7.2500 .0000
7.0000 .0000
6.9200 .0000
6.5000 .4200
1852724 .2500
471,945.93 .0800
7.0000 .0000
6.7500 .0000
6.6700 .0000
6.5000 .1700
1852738 .2500
238,796.76 .0300
6.7500 .0000
6.5000 .0000
6.4700 .0000
6.4700 .0000
1852747 .2500
298,248.21 .0800
7.0000 .0000
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2716578 .2500
333,210.40 .0800
7.1250 .0000
6.8750 .0000
6.7950 .0000
6.5000 .2950
1
2716579 .2500
90,664.80 .0800
7.5000 .0000
7.2500 .0000
7.1700 .0000
6.5000 .6700
2716581 .2500
327,724.44 .0800
6.8750 .0000
6.6250 .0000
6.5450 .0000
6.5000 .0450
2716582 .2500
246,622.95 .0800
7.3750 .0000
7.1250 .0000
7.0450 .0000
6.5000 .5450
2716773 .2500
266,600.00 .0800
7.5000 .0000
7.2500 .0000
7.1700 .0000
6.5000 .6700
2716774 .2500
287,800.00 .0300
6.7500 .0000
6.5000 .0000
6.4700 .0000
6.4700 .0000
2716775 .2500
291,000.00 .0300
6.5000 .0000
6.2500 .0000
6.2200 .0000
6.2200 .0000
2716779 .2500
280,800.00 .0300
6.5000 .0000
6.2500 .0000
6.2200 .0000
6.2200 .0000
2716780 .2500
295,000.00 .0800
7.0000 .0000
6.7500 .0000
6.6700 .0000
6.5000 .1700
1
2717369 .2500
274,000.00 .0300
6.7500 .0000
6.5000 .0000
6.4700 .0000
6.4700 .0000
2717370 .2500
549,900.00 .0800
7.2500 .0000
7.0000 .0000
6.9200 .0000
6.5000 .4200
2717371 .2500
368,000.00 .0800
7.1250 .0000
6.8750 .0000
6.7950 .0000
6.5000 .2950
2717374 .2500
351,450.00 .0300
6.7500 .0000
6.5000 .0000
6.4700 .0000
6.4700 .0000
2717849 .2500
825,000.00 .0800
7.0000 .0000
6.7500 .0000
6.6700 .0000
6.5000 .1700
2717851 .2500
270,350.00 .0800
7.0000 .0000
6.7500 .0000
6.6700 .0000
6.5000 .1700
2717852 .2500
538,200.00 .0800
7.1250 .0000
6.8750 .0000
6.7950 .0000
6.5000 .2950
2718467 .2500
400,000.00 .0800
7.5000 .0000
7.2500 .0000
7.1700 .0000
6.5000 .6700
1
2718468 .2500
196,000.00 .0800
7.2500 .0000
7.0000 .0000
6.9200 .0000
6.5000 .4200
2718469 .2500
316,000.00 .0800
7.2500 .0000
7.0000 .0000
6.9200 .0000
6.5000 .4200
2718471 .2500
428,000.00 .0800
6.8750 .0000
6.6250 .0000
6.5450 .0000
6.5000 .0450
2718726 .2500
267,384.45 .0800
7.3750 .0000
7.1250 .0000
7.0450 .0000
6.5000 .5450
2718743 .2500
219,455.82 .0800
7.0000 .0000
6.7500 .0000
6.6700 .0000
6.5000 .1700
2718757 .2500
503,781.27 .0800
7.1250 .0000
6.8750 .0000
6.7950 .0000
6.5000 .2950
2718758 .2500
251,391.84 .0800
7.1250 .0000
6.8750 .0000
6.7950 .0000
6.5000 .2950
2718775 .2500
261,693.48 .0300
6.7500 .0000
6.5000 .0000
6.4700 .0000
6.4700 .0000
1
2718780 .2500
331,116.37 .0300
6.6250 .0000
6.3750 .0000
6.3450 .0000
6.3450 .0000
2718795 .2500
255,557.94 .0300
6.7500 .0000
6.5000 .0000
6.4700 .0000
6.4700 .0000
2718796 .2500
369,361.09 .0300
6.7500 .0000
6.5000 .0000
6.4700 .0000
6.4700 .0000
2718798 .2500
273,354.90 .0800
7.2500 .0000
7.0000 .0000
6.9200 .0000
6.5000 .4200
2718799 .2500
332,964.21 .0800
7.2500 .0000
7.0000 .0000
6.9200 .0000
6.5000 .4200
2721820 .2500
266,400.00 .0800
7.3750 .0000
7.1250 .0000
7.0450 .0000
6.5000 .5450
TOTAL NUMBER OF LOANS: 1628
TOTAL BALANCE........: 522,274,252.73
1
RUN ON : 01/25/99 RFC DISCLOSURE SYSTEM RFFSDFIX-01
AT : 12.01.19 INITIAL SECURITY FEES AMORTIZED BALANCE
SERIES : RFMSI I 1999-S3 FIXED SUMMARY REPORT CUTOFF : 01/01/99
POOL : 0004354
:
:
POOL STATUS: F
WEIGHTED AVERAGES FROM TO
------------------------------------------------------------------------------
CURR NOTE RATE 7.1112 6.1250 8.2500
RFC NET RATE 6.8612 5.8750 8.0000
NET MTG RATE(INVSTR RATE) 6.7886 5.8450 7.9200
POST STRIP RATE 6.4832 5.8450 6.5000
SUB SERV FEE .2500 .2500 .2500
MSTR SERV FEE .0727 .0300 .0800
ALL EXP .0000 .0000 .0000
MISC EXP .0000 .0000 .0000
SPREAD .0000 .0000 .0000
STRIP .3054 .0000 1.4200
TOTAL NUMBER OF LOANS: 1628
TOTAL BALANCE........: 522,274,252.73
***************************
* END OF REPORT *
***************************
<PAGE>
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:
<PAGE>
(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.
G-2
<PAGE>
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
G-3
<PAGE>
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.
G-4
<PAGE>
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:
G-5
<PAGE>
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
<PAGE>
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/she is [Title of Officer] of [Name of Owner] (record or
beneficial owner of the Mortgage Pass-Through Certificates, Series 1999-S3,
Class R (the "Class R Certificates") (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/she makes this
affidavit and agreement.
2. That the Owner (i) is not and will not be as of [date of
transfer] a "disqualified organization" within the meaning of Section 860E(e)(5)
of the Internal Revenue Code of 1986, as amended (the "Code") or an "electing
large partnership' within the meaning of Section 775 of the Code, (ii) will
endeavor to remain other than a disqualified organization and an electing large
partnership for so long as it retains its ownership interest in the Class R
Certificates, and (iii) is acquiring the Class R 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 Certificates to disqualified organizations under the Code,
that applies to all transfers of Class R 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 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.
<PAGE>
4. That the Owner is aware of the tax imposed on a "pass-through
entity" holding Class R 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. That the Owner is aware that the Trustee will not register the
transfer of any Class R 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.
6. That the Owner has reviewed the restrictions set forth on the
face of the Class R Certificates and the provisions of Section 5.02(f) of the
Pooling and Servicing Agreement under which the Class R 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.
7. 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 Certificates will only be
owned, directly or indirectly, by an Owner that is not a disqualified
organization.
8. The Owner's Taxpayer Identification Number is ______________.
9. This affidavit and agreement relates only to the Class R
Certificates held by the Owner and not to any other holder of the Class R
Certificates. The Owner understands that the liabilities described herein relate
only to the Class R Certificates.
10. That no purpose of the Owner relating to the transfer of any of
the Class R Certificates by the Owner is or will be to impede the assessment or
collection of any tax.
11. 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 Certificate
that the Owner intends to pay taxes associated with holding such Class R
Certificate as they become due, fully understanding that it may incur tax
liabilities in excess of any cash flows generated by the Class R Certificate.
12. 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 Certificates remain outstanding.
I-1-2
<PAGE>
13. The Owner is a citizen or resident of the United States, a
corporation or partnership (including an entity treated as a corporation or
partnership for federal income tax purposes) created or organized in, or under
the laws of, the United States or any state thereof or the District of Columbia
(except, in the case of a partnership, to the extent provided in regulations),
or an estate whose income is subject to United States federal income tax
regardless of its source, or a trust if a court within the United States is able
to exercise primary supervision over the administration of the trust and one or
more United States Persons have the authority to control all substantial
decisions of the trust, or to the extent prescribed in regulations by the
Secretary of the Treasury, which have not yet been issued, a trust which was in
existence on August 20, 1996 (other than a trust treated as owned by the grantor
under subpart E of part I of subchapter J of chapter 1 of the Code), and which
was treated as a United States person on August 20, 1996.
14. The Owner hereby certifies, represents and warrants to, and
covenants with the Company, the Trustee and the Master Servicer that the
Certificates (i) are not being acquired by, and will not be transferred to, any
employee benefit plan within the meaning of section 3(3) of the Employee
Retirement Income Security Act of 1974, as amended ("ERISA") or other retirement
arrangement, including individual retirement accounts and annuities, Keogh plans
and bank collective investment funds and insurance company general or separate
accounts in which such plans, accounts or arrangements are invested, that is
subject to Section 406 of ERISA or Section 4975 of the Internal Revenue Code of
1986 (the "Code") (any of the foregoing, a "Plan"), (ii) are not being acquired
with "plan assets" of a Plan within the meaning of the Department of Labor
("DOL") regulation, 29 C.F.R. ss. 2510.3-101 or otherwise under ERISA, and (iii)
will not be transferred to any entity that is deemed to be investing in plan
assets within the meaning of the DOL regulation, 29 C.F.R. ss. 2510.3-101 or
otherwise under ERISA.
In addition, the Owner hereby certifies, represents and warrants to, and
covenants with, the Company, the Trustee and the Master Servicer that the Owner
will not transfer such Certificates to any Plan or person unless either such
Plan or person meets the requirements set forth above.
Capitalized terms used but not defined herein shall have the meanings
assigned in the Pooling and Servicing Agreement.
I-1-3
<PAGE>
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/she executed the same as his/her 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__.
I-1-4
<PAGE>
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 1999-S3
Re: Mortgage Pass-Through Certificates,
Series 1999-S3, Class R
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
1999-S3, Class R (the "Certificates"), pursuant to Section 5.02 of the Pooling
and Servicing Agreement (the "Pooling and Servicing Agreement"), dated as of
January 1, 1999 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
<PAGE>
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 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:
I-2-2
<PAGE>
EXHIBIT J-1
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
Residential Funding Corporation
8400 Normandale Lake Boulevard
Suite 600
Minneapolis, MN 55437
Attention: Residential Funding Corporation Series 1999-S3
Re: Mortgage Pass-Through Certificates,
Series 1999-S3, [Class B- ]
Ladies and Gentlemen:
_________________________ (the "Purchaser") intends to purchase from
___________________________ (the "Seller") $_____________ Initial Certificate
Principal Balance of Mortgage Pass-Through Certificates, Series 1999-S3, Class
__ (the "Certificates"), issued pursuant to the Pooling and Servicing Agreement
(the "Pooling and Servicing Agreement"), dated as of January 1, 1999 among
Residential Funding Mortgage Securities I, Inc., as seller (the "Company"),
Residential Funding Corporation, as master servicer (the "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, the Trustee and the Master
Servicer 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.
<PAGE>
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.
J-2
<PAGE>
6. The Purchaser hereby certifies, represents and warrants to, and
covenants with the Company, the Trustee and the Master Servicer that
the following statements in (a), (b) or (c) are correct:
(a) 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") (a "Plan"), or any other person (including an investment
manager, a named fiduciary or a trustee of any Plan) acting,
directly or indirectly, on behalf of or purchasing any Certificate
with "plan assets" of any Plan within the meaning of the Department
of Labor ("DOL") regulation at 29 C.F.R.
ss.2510.3-101;
(b) The Purchaser is an insurance company; the source of the
funds being used by the Purchaser to acquire the Certificates is
assets of the Purchaser's "general account"; the conditions set
forth in Prohibited Transaction Class Exemption ("PTCE") 95-60
issued by the DOL have been satisfied and the purchase, holding and
transfer of Certificates by or on behalf of the Purchaser are exempt
under PTCE 95-60; and the amount of reserves and liabilities for
such general account contracts held by or on behalf of any Plan do
not exceed 10% of the total reserves and liabilities of such general
account plus surplus as of the date hereof (for purposes of this
clause, all Plans maintained by the same employer (or affiliate
thereof) or employee organization are deemed to be a single Plan) in
connection with its purchase and holding of such Certificates; or
(c) The Purchaser has provided the Trustee, the Company and
the Master Servicer with 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 of Certificates is
permissible under applicable law, will not constitute or result in
any non-exempt prohibited transaction under 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 the Pooling and Servicing Agreement.
J-3
<PAGE>
In addition, the Purchaser hereby certifies, represents and warrants
to, and covenants with, the Company, the Trustee and the Master Servicer that
the Purchaser will not transfer such Certificates to any Plan or person unless
either such Plan or person meets the requirements set forth in either (a), (b)
or (c) above.
Very truly yours,
(Purchaser)
By:
Name:
Title:
J-4
<PAGE>
EXHIBIT J-2
FORM OF ERISA 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
Residential Funding Corporation
8400 Normandale Lake Boulevard
Suite 600
Minneapolis, MN 55437
Attention: Residential Funding Corporation Series 1999-S3
Re: Mortgage Pass-Through Certificates,
Series 1999-S3, [Class M-]
Ladies and Gentlemen:
_________________________ (the "Purchaser") intends to purchase from
___________________________ (the "Seller") $_____________ Initial Certificate
Principal Balance of Mortgage Pass-Through Certificates, Series 1999-S3, Class
__ (the "Certificates"), issued pursuant to the Pooling and Servicing Agreement
(the "Pooling and Servicing Agreement"), dated as of January 1, 1999 among
Residential Funding Mortgage Securities I, Inc., as seller (the "Company"),
Residential Funding Corporation, as master servicer (the "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, the Trustee and the Master
Servicer that:
(a) 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") (a "Plan"), or any other person (including an
investment manager, a named fiduciary or a trustee of any Plan)
acting, directly or indirectly, on behalf of or purchasing any
Certificate with "plan assets" of any Plan within the meaning of the
Department of Labor ("DOL") regulation at 29 C.F.R.
ss.2510.3-101;
J-2-1
<PAGE>
(b) The Purchaser is an insurance company; the source
of the funds being used by the Purchaser to acquire the Certificates
is assets of the Purchaser's "general account"; the conditions set
forth in Prohibited Transaction Class Exemption ("PTCE") 95-60
issued by the DOL have been satisfied and the purchase, holding and
transfer of Certificates by or on behalf of the Purchaser are exempt
under PTCE 95-60; and the amount of reserves and liabilities for
such general account contracts held by or on behalf of any Plan do
not exceed 10% of the total reserves and liabilities of such general
account plus surplus as of the date hereof (for purposes of this
clause, all Plans maintained by the same employer (or affiliate
thereof) or employee organization are deemed to be a single Plan) in
connection with its purchase and holding of such Certificates; or
(c) The Purchaser has provided the Trustee, the
Company and the Master Servicer with 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
of Certificates is permissible under applicable law, will not
constitute or result in any non-exempt prohibited transaction under
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 the Pooling and
Servicing Agreement.
In addition, the Purchaser hereby certifies, represents and warrants to,
and covenants with, the Company, the Trustee and the Master Servicer that the
Purchaser will not transfer such Certificates to any Plan or person unless such
Plan or person meets the requirements set forth in either (a), (b) or (c) above.
Very truly yours,
(Purchaser)
By:
Name:
Title:
J-2-2
<PAGE>
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 1999-S3
Re: Mortgage Pass-Through Certificates,
Series 1999-S3, [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 1999-S3, Class __ (the "Certificates"), issued pursuant to
the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"),
dated as of January 1, 1999 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
K-1
<PAGE>
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:
K-2
<PAGE>
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 January 1, 1999 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.
<PAGE>
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
a. 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") (a "Plan"), or any
other person (including an investment manager, a named fiduciary or a
trustee of any Plan) acting, directly or indirectly, on behalf of or
purchasing any Certificate with "plan assets" of any Plan; or
b. is an insurance company, the source of funds to be used by
it to purchase the Certificates is an "insurance company general account"
(within the meaning of Department of Labor Prohibited Transaction Class
Exemption ("PTCE") 95-60), and the purchase is being made in reliance upon
the availability of the exemptive relief afforded under Section III of
PTCE 95-60.]
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.
L-2
<PAGE>
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:
L-3
<PAGE>
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.
L-4
<PAGE>
___ 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.
L-5
<PAGE>
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:
L-6
<PAGE>
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
L-7
<PAGE>
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:
L-8
<PAGE>
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
<PAGE>
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) the Trust Fund 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
M-2
<PAGE>
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) the Trust Fund 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.
M-3
<PAGE>
EXHIBIT N
[FORM OF LIMITED GUARANTY]
LIMITED GUARANTY
RESIDENTIAL FUNDING MORTGAGE SECURITIES I, INC.
Mortgage Pass-Through Certificates
Series 1999-S3
, 199__
The First National Bank of Chicago
One North State Street
Chicago, Illinois 60602
Attention: Residential Funding Corporation Series 1999-S3
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 January 1, 1999 (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 1999-S3 (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
<PAGE>
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.
N-2
<PAGE>
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:
N-3
<PAGE>
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 1999-S3
Re: Mortgage Pass-Through Certificates, Series 1999-S3
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
January 1, 1999 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
<PAGE>
(iv) such assignment is at the request of the borrower under the related
Mortgage Loan.
Very truly yours,
(Lender)
By:
Name:
Title:
O-2
<PAGE>
EXHIBIT P
SCHEDULE OF DISCOUNT FRACTIONS
Schedule of Discount Fractions
PRINCIPAL NET MORTGAGE DISCOUNT PO
LOAN # BALANCE RATE FRACTION BALANCE
1860383 278,500.00 5.845 10.0769230769% 28,064.23
2706081 384,425.99 5.845 10.0769230769% 38,738.31
1856737 247,764.69 5.970 8.1538461538% 20,202.35
2705862 324,691.62 5.970 8.1538461538% 26,474.86
2705984 439,582.51 5.970 8.1538461538% 35,842.88
2705990 352,328.36 5.970 8.1538461538% 28,728.31
2706006 292,759.90 5.970 8.1538461538% 23,871.19
1842066 251,296.04 6.095 6.2307692308% 15,657.68
1854634 369,157.77 6.095 6.2307692308% 23,001.37
1854812 306,500.00 6.095 6.2307692308% 19,097.31
1854963 499,536.90 6.095 6.2307692308% 31,124.99
1855747 279,740.66 6.095 6.2307692308% 17,429.99
2705770 247,519.27 6.095 6.2307692308% 15,422.35
2705885 609,435.02 6.095 6.2307692308% 37,972.49
2706037 249,136.41 6.095 6.2307692308% 15,523.11
1853721 387,645.82 6.170 5.0769230769% 19,680.48
1852897 310,284.56 6.220 4.3076923077% 13,366.10
1854101 257,418.36 6.220 4.3076923077% 11,088.79
1855766 275,100.35 6.220 4.3076923077% 11,850.48
1857327 307,441.62 6.220 4.3076923077% 13,243.64
1857698 334,697.15 6.220 4.3076923077% 14,417.72
1857996 303,800.00 6.220 4.3076923077% 13,086.77
1858413 376,000.00 6.220 4.3076923077% 16,196.92
1858952 374,660.99 6.220 4.3076923077% 16,139.24
1859759 575,750.00 6.220 4.3076923077% 24,801.54
1861474 100,000.00 6.220 4.3076923077% 4,307.69
2683313 202,645.93 6.220 4.3076923077% 8,729.36
2696048 448,772.95 6.220 4.3076923077% 19,331.76
2705851 379,462.47 6.220 4.3076923077% 16,346.08
2705873 355,745.28 6.220 4.3076923077% 15,324.41
2705876 351,298.83 6.220 4.3076923077% 15,132.87
2705961 278,747.78 6.220 4.3076923077% 12,007.60
2705989 515,828.81 6.220 4.3076923077% 22,220.32
2706005 325,171.28 6.220 4.3076923077% 14,007.38
2706007 250,345.31 6.220 4.3076923077% 10,784.11
2706017 279,492.39 6.220 4.3076923077% 12,039.67
2706034 313,941.63 6.220 4.3076923077% 13,523.64
2711158 463,200.00 6.220 4.3076923077% 19,953.23
2715691 295,900.00 6.220 4.3076923077% 12,746.46
2715695 503,600.00 6.220 4.3076923077% 21,693.54
2715696 332,000.00 6.220 4.3076923077% 14,301.54
2716193 348,000.00 6.220 4.3076923077% 14,990.77
2716194 420,000.00 6.220 4.3076923077% 18,092.31
2716775 291,000.00 6.220 4.3076923077% 12,535.38
2716779 280,800.00 6.220 4.3076923077% 12,096.00
1853289 464,177.21 6.345 2.3846153846% 11,068.84
1854012 316,581.61 6.345 2.3846153846% 7,549.25
1854066 298,932.44 6.345 2.3846153846% 7,128.39
1854966 265,000.00 6.345 2.3846153846% 6,319.23
1854985 280,203.32 6.345 2.3846153846% 6,681.77
1855310 305,000.00 6.345 2.3846153846% 7,273.08
1855335 258,172.02 6.345 2.3846153846% 6,156.41
1855671 479,549.96 6.345 2.3846153846% 11,435.42
1855999 275,000.00 6.345 2.3846153846% 6,557.69
1856404 254,025.68 6.345 2.3846153846% 6,057.54
1856463 304,231.34 6.345 2.3846153846% 7,254.75
1856869 310,226.06 6.345 2.3846153846% 7,397.70
1857207 330,500.00 6.345 2.3846153846% 7,881.15
1857641 525,785.70 6.345 2.3846153846% 12,537.97
1857658 296,224.93 6.345 2.3846153846% 7,063.83
1859164 261,500.00 6.345 2.3846153846% 6,235.77
2705745 325,672.71 6.345 2.3846153846% 7,766.04
2705753 493,882.04 6.345 2.3846153846% 11,777.19
2705834 269,761.78 6.345 2.3846153846% 6,432.78
2705850 419,256.83 6.345 2.3846153846% 9,997.66
2705864 249,557.64 6.345 2.3846153846% 5,950.99
2705887 314,722.08 6.345 2.3846153846% 7,504.91
2705889 347,384.22 6.345 2.3846153846% 8,283.78
2705890 269,322.61 6.345 2.3846153846% 6,422.31
2705899 344,664.64 6.345 2.3846153846% 8,218.93
2705910 385,609.48 6.345 2.3846153846% 9,195.30
2705913 479,576.50 6.345 2.3846153846% 11,436.06
2705986 325,531.28 6.345 2.3846153846% 7,762.67
2706004 276,509.87 6.345 2.3846153846% 6,593.70
2706026 379,327.63 6.345 2.3846153846% 9,045.51
2706032 299,469.18 6.345 2.3846153846% 7,141.19
2706061 302,663.50 6.345 2.3846153846% 7,217.36
2706064 379,327.63 6.345 2.3846153846% 9,045.51
2706065 332,410.78 6.345 2.3846153846% 7,926.72
2708421 547,516.52 6.345 2.3846153846% 13,056.16
2709054 291,742.37 6.345 2.3846153846% 6,956.93
2718780 331,116.37 6.345 2.3846153846% 7,895.85
1853785 246,785.24 6.420 1.2307692308% 3,037.36
1853798 308,931.17 6.420 1.2307692308% 3,802.23
1853799 287,250.03 6.420 1.2307692308% 3,535.38
1853809 384,565.34 6.420 1.2307692308% 4,733.11
1851632 375,782.42 6.470 0.4615384615% 1,734.38
1852112 584,395.81 6.470 0.4615384615% 2,697.21
1852120 405,128.49 6.470 0.4615384615% 1,869.82
1852608 313,905.96 6.470 0.4615384615% 1,448.80
1852738 238,796.76 6.470 0.4615384615% 1,102.14
1852766 312,787.08 6.470 0.4615384615% 1,443.63
1853212 279,272.68 6.470 0.4615384615% 1,288.95
1853255 376,848.13 6.470 0.4615384615% 1,739.30
1853286 369,260.33 6.470 0.4615384615% 1,704.28
1853291 571,012.25 6.470 0.4615384615% 2,635.44
1853296 576,303.38 6.470 0.4615384615% 2,659.86
1853299 287,752.03 6.470 0.4615384615% 1,328.09
1853323 342,205.11 6.470 0.4615384615% 1,579.41
1853759 253,781.31 6.470 0.4615384615% 1,171.30
1854023 299,481.19 6.470 0.4615384615% 1,382.22
1854024 293,849.41 6.470 0.4615384615% 1,356.23
1854057 245,784.11 6.470 0.4615384615% 1,134.39
1854065 270,848.34 6.470 0.4615384615% 1,250.07
1854188 248,640.72 6.470 0.4615384615% 1,147.57
1854612 295,600.00 6.470 0.4615384615% 1,364.31
1854628 261,274.85 6.470 0.4615384615% 1,205.88
1854882 304,987.18 6.470 0.4615384615% 1,407.63
1854972 351,796.84 6.470 0.4615384615% 1,623.68
1855033 287,752.04 6.470 0.4615384615% 1,328.09
1855385 265,000.00 6.470 0.4615384615% 1,223.08
1855427 239,885.05 6.470 0.4615384615% 1,107.16
1855459 246,600.00 6.470 0.4615384615% 1,138.15
1855873 253,781.31 6.470 0.4615384615% 1,171.30
1855963 280,000.00 6.470 0.4615384615% 1,292.31
1855970 308,800.00 6.470 0.4615384615% 1,425.23
1856015 126,081.91 6.470 0.4615384615% 581.92
1856024 274,713.26 6.470 0.4615384615% 1,267.91
1856031 509,818.10 6.470 0.4615384615% 2,353.01
1856047 298,000.00 6.470 0.4615384615% 1,375.38
1856118 325,000.00 6.470 0.4615384615% 1,500.00
1856188 297,200.00 6.470 0.4615384615% 1,371.69
1856511 247,029.52 6.470 0.4615384615% 1,140.14
1856546 276,761.51 6.470 0.4615384615% 1,277.36
1856562 384,455.85 6.470 0.4615384615% 1,774.41
1856580 560,000.00 6.470 0.4615384615% 2,584.62
1856600 334,300.00 6.470 0.4615384615% 1,542.92
1857127 360,027.23 6.470 0.4615384615% 1,661.66
1857200 255,000.00 6.470 0.4615384615% 1,176.92
1857210 391,323.10 6.470 0.4615384615% 1,806.11
1857357 299,481.97 6.470 0.4615384615% 1,382.22
1857370 330,000.00 6.470 0.4615384615% 1,523.08
1857378 277,120.64 6.470 0.4615384615% 1,279.02
1857382 617,681.54 6.470 0.4615384615% 2,850.84
1857393 317,726.21 6.470 0.4615384615% 1,466.43
1857540 381,000.00 6.470 0.4615384615% 1,758.46
1857594 264,000.00 6.470 0.4615384615% 1,218.46
1857648 289,099.92 6.470 0.4615384615% 1,334.31
1857652 290,443.60 6.470 0.4615384615% 1,340.51
1857657 239,585.56 6.470 0.4615384615% 1,105.78
1857665 341,409.42 6.470 0.4615384615% 1,575.74
1857666 311,461.23 6.470 0.4615384615% 1,437.51
1857676 501,354.75 6.470 0.4615384615% 2,313.95
1857699 339,412.89 6.470 0.4615384615% 1,566.52
1857717 266,938.24 6.470 0.4615384615% 1,232.02
1857755 600,000.00 6.470 0.4615384615% 2,769.23
1857811 300,000.00 6.470 0.4615384615% 1,384.62
1858005 300,000.00 6.470 0.4615384615% 1,384.62
1858132 438,900.00 6.470 0.4615384615% 2,025.69
1858302 377,274.89 6.470 0.4615384615% 1,741.27
1858423 328,500.00 6.470 0.4615384615% 1,516.15
1858843 325,437.06 6.470 0.4615384615% 1,502.02
1858987 340,000.00 6.470 0.4615384615% 1,569.23
1859170 259,750.00 6.470 0.4615384615% 1,198.85
1859174 427,000.00 6.470 0.4615384615% 1,970.77
1859521 367,250.00 6.470 0.4615384615% 1,695.00
1860132 399,000.00 6.470 0.4615384615% 1,841.54
1861460 482,000.00 6.470 0.4615384615% 2,224.62
2670916 298,958.10 6.470 0.4615384615% 1,379.81
2704590 308,434.22 6.470 0.4615384615% 1,423.54
2705671 307,734.81 6.470 0.4615384615% 1,420.31
2705682 274,525.12 6.470 0.4615384615% 1,267.04
2705686 318,888.58 6.470 0.4615384615% 1,471.79
2705699 366,288.09 6.470 0.4615384615% 1,690.56
2705707 509,119.31 6.470 0.4615384615% 2,349.78
2705709 249,350.61 6.470 0.4615384615% 1,150.85
2705715 369,360.89 6.470 0.4615384615% 1,704.74
2705743 389,326.53 6.470 0.4615384615% 1,796.89
2705746 409,291.99 6.470 0.4615384615% 1,889.04
2705749 643,922.80 6.470 0.4615384615% 2,971.95
2705760 471,184.93 6.470 0.4615384615% 2,174.70
2705769 247,355.83 6.470 0.4615384615% 1,141.64
2705794 293,100.26 6.470 0.4615384615% 1,352.77
2705798 520,299.98 6.470 0.4615384615% 2,401.38
2705806 325,437.06 6.470 0.4615384615% 1,502.02
2705812 436,045.72 6.470 0.4615384615% 2,012.52
2705821 289,172.39 6.470 0.4615384615% 1,334.64
2705826 325,936.18 6.470 0.4615384615% 1,504.32
2705836 499,136.58 6.470 0.4615384615% 2,303.71
2705841 311,461.23 6.470 0.4615384615% 1,437.51
2705843 276,311.89 6.470 0.4615384615% 1,275.29
2705844 449,190.74 6.470 0.4615384615% 2,073.19
2705845 649,440.36 6.470 0.4615384615% 2,997.42
2705849 339,412.87 6.470 0.4615384615% 1,566.52
2705852 295,738.42 6.470 0.4615384615% 1,364.95
2705854 259,551.02 6.470 0.4615384615% 1,197.93
2705855 406,297.18 6.470 0.4615384615% 1,875.22
2705856 249,085.35 6.470 0.4615384615% 1,149.62
2705857 247,571.76 6.470 0.4615384615% 1,142.64
2705861 292,092.91 6.470 0.4615384615% 1,348.12
2705869 311,461.23 6.470 0.4615384615% 1,437.51
2705871 379,131.80 6.470 0.4615384615% 1,749.84
2705893 404,651.30 6.470 0.4615384615% 1,867.62
2705894 459,034.56 6.470 0.4615384615% 2,118.62
2705895 271,416.11 6.470 0.4615384615% 1,252.69
2705909 377,746.57 6.470 0.4615384615% 1,743.45
2705915 274,371.68 6.470 0.4615384615% 1,266.33
2705923 499,569.50 6.470 0.4615384615% 2,305.71
2705942 332,035.57 6.470 0.4615384615% 1,532.47
2705947 387,765.85 6.470 0.4615384615% 1,789.69
2705958 363,686.60 6.470 0.4615384615% 1,678.55
2705967 283,755.48 6.470 0.4615384615% 1,309.64
2705968 256,855.70 6.470 0.4615384615% 1,185.49
2705977 291,994.91 6.470 0.4615384615% 1,347.67
2706010 259,551.02 6.470 0.4615384615% 1,197.93
2706030 449,222.94 6.470 0.4615384615% 2,073.34
2706042 480,169.41 6.470 0.4615384615% 2,216.17
2706043 310,662.61 6.470 0.4615384615% 1,433.83
2706046 282,756.35 6.470 0.4615384615% 1,305.03
2706048 299,741.71 6.470 0.4615384615% 1,383.42
2706058 299,481.97 6.470 0.4615384615% 1,382.22
2706059 463,600.50 6.470 0.4615384615% 2,139.69
2706074 395,119.41 6.470 0.4615384615% 1,823.63
2712007 308,000.00 6.470 0.4615384615% 1,421.54
2714136 319,200.00 6.470 0.4615384615% 1,473.23
2716774 287,800.00 6.470 0.4615384615% 1,328.31
2717369 274,000.00 6.470 0.4615384615% 1,264.62
2717374 351,450.00 6.470 0.4615384615% 1,622.08
2718775 261,693.48 6.470 0.4615384615% 1,207.82
2718795 255,557.94 6.470 0.4615384615% 1,179.50
2718796 369,361.09 6.470 0.4615384615% 1,704.74
$75,771,514.54 1.7836766430% $1,351,518.81
P-1
<PAGE>
EXHIBIT Q
FORM OF REQUEST FOR EXCHANGE
[Date]
The First National Bank of Chicago
One North State Street
Chicago, Illinois 60602
Re: Residential Funding Mortgage Securities I, Inc.
Mortgage Pass-Through Certificates, Series 1999-S3
Residential Funding Corporation, as the Holder of a ____% Percentage
Interest of the [Class/Subclass] of Class A-V Certificates, hereby requests the
Trustee to exchange the above-referenced Certificates for the Subclasses
referred to below:
1. Class A-V Certificates, corresponding to the following
Uncertificated REMIC Regular Interests: [List numbers
corresponding to the related loans and Pool Strip Rates from
the Mortgage Loan Schedule]. The Initial Subclass Notional
Amount and the initial Pass-Through Rate on the Class A-V
Certificates will be $___________ and _____%, respectively.
[2. Repeat as appropriate.]
The Subclasses requested above will represent in the aggregate all
of the Uncertificated REMIC Regular Interests represented by the Class A-V
Certificates surrendered for exchange.
The capitalized terms used but not defined herein shall have the
meanings set forth in the Pooling and Servicing Agreement, dated as of January
1, 1999, among Residential Funding Mortgage Securities I, Inc., Residential
Funding Corporation and The First National Bank of Chicago, as trustee.
RESIDENTIAL FUNDING CORPORATION
By:
Name:
Title:
R-1
<PAGE>
