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) JUNE 20, 1997 The
Originators as listed below under a Pooling and Servicing Agreement dated as of
May 31, 1997 providing for the issuance of The Money Store Home Equity Asset
Backed Certificates, Series 1997-B.
TMS Mortgage Inc.
The Money Store/D.C. Inc.
The Money Store/Kentucky Inc.
The Money Home Equity Corp.
THE MONEY STORE/MINNESOTA INC.
(Exact name of registrant as specified in its charter)
* 33-98734 *
(State or other jurisdiction of (Commission (IRS Employer
incorporation) File Number) ID Number)
2840 MORRIS AVENUE, UNION, NEW JERSEY 07083
(Address of principal executive offices) (Zip Code)
Registrant's Telephone Number,
including area code: (908) 686-2000
N/A
(Former name or former address, if changed since last report)
* See Schedule A attached hereto.
<PAGE>
Item 5. OTHER EVENTS
This Current Report on Form 8-K is being filed to file a copy of the
Computational Materials (as defined below) of Prudential Securities Incorporated
and Merrill Lynch & Co. (the "Underwriters") in connection with the issuance by
TMS Mortgage Inc., The Money Store/D.C Inc., The Money Store/Kentucky Inc., The
Money Store Home Equity Corp. and The Money Store/Minnesota Inc., of The Money
Store Home Equity Asset Backed Certificates, Series 1997-B. The term
"Computational Materials" shall have the meaning given in the No-Action Letter
of May 20, 1994 issued by the Securities and Exchange Commission (the "SEC") to
Kidder, Peabody Acceptance Corporation I, Kidder, Peabody & Co. Incorporated and
Kidder Structured Asset Corporation, as made applicable to other issuers and
underwriters by the Commission in response to the request of the Public
Securities Association dated May 24, 1994, and the supplemented in the No-Action
Letter of February 17, 1995 issued by the SEC to the Public Securities
Association.
Also being filed herewith is the consent of Coopers & Lybrand L.L.P.,
independent public accountants.
Item 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL
INFORMATION AND EXHIBITS.
(c) EXHIBITS
EXHIBIT NO.
23.1 Consent of Coopers & Lybrand, L.L.P.
99.1 Computational Materials of Prudential Securities Incorporated.
99.2 Computational Materials of Merrill Lynch & Co.
<PAGE>
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.
The Money Store/Minnesota Inc.
The Money Store/D.C. Inc.
The Money Store/Kentucky Inc.
The Money Store Home Equity Corp.
TMS Mortgage Inc.
BY:
Name: Harry Puglisi
Title: Treasurer
Dated: June 26, 1997
<PAGE>
Schedule A
State of IRS Employer
Registrant Incorporation ID Number
TMS Mortgage Inc. New Jersey 22-3217781
The Money Store/D.C. Inc. D.C. 22-2133027
The Money Store/Kentucky Inc. Kentucky 22-2459832
The Money Store/Home Equity Corp. Kentucky 22-2522232
The Money Store/Minnesota Inc. Minnesota 22-3003495
<PAGE>
EXHIBIT INDEX
EXHIBIT DESCRIPTION OF EXHIBIT
23.1 Consent of Coopers & Lybrand, L.L.P.
99.1 Computational Materials of Prudential Securities Incorporated.
99.2 Computational Materials of Merrill Lynch & Co.
Exhibit 23.1
CONSENT OF INDEPENDENT ACCOUNTANTS
We consent to the incorporation by reference in this Prospectus Supplement
of our report dated February 3, 1997, on our audits of the consolidated
financial statements of MBIA Insurance Corporation and Subsidiaries as of
December 31, 1996 and 1995 and for each of the three years in the period ended
December 31, 1996. We also consent to the reference to our firm under the
caption "Experts."
Coopers & Lybrand L.L.P.
June 25, 1997
New York, New York
Preliminary Information for The Money Store Trust 1997-B
- The Money Store Inc.
Seller and Servicer
- The Money Store Trust 1997-B
[$80,500,000] Class A-1 Certificates [ %]
[$84,500,000] Class A-2 Certificates [ %]
[$105,400,000] Class A-3 Certificates [ %]
[$57,500,000] Class A-4 Certificates [ %]
[$52,800,000] Class A-5 Certificates [ %]
[$49,000,000] Class A-6 Certificates [ %]
[$65,300,000] Class A-7 Certificates [ %]
[$55,000,000] Class A-8 Certificates [ %]
[$270,000,000] Class A-9 Certificates [Pounds Sterling Class]
[$140,000,000] Class A-10 Certificates [Auction Rate Class]
[$10,000,000] Class A-11 Certificates [ %]
The analysis in this report is accurate to the best of PSI's knowledge and is
based on information provided by the Seller. PSI makes no representations as to
the accuracy of such information provided to it by the Seller. All assumptions
and information in this report reflect PSI's judgment as of this date and are
subject to change. All analyses are based on certain assumptions noted herein
and different assumptions could yield substantially different results. You are
cautioned that there is no universally accepted method for analyzing financial
instruments. You should review the assumptions; there may be differences between
these assumptions and your actual business practices. Further, PSI does not
guarantee any results and there is no guarantee as to the liquidity of the
instruments involved in this analysis. The decision to adopt any strategy
remains your responsibility. PSI (or any of its affiliates) or their officers,
directors, analysts or employees may have positions in securities, commodities
or derivative instruments thereon referred to here, and may, as principal or
agent, buy or sell such securities, commodities or derivative instruments. In
addition, PSI may make a market in the securities referred to herein. Neither
the information nor the assumptions reflected herein shall be construed to be,
or constitute, an offer to sell or buy or a solicitation of an offer to sell or
buy any securities, commodities or derivative instruments mentioned herein. No
sale of any securities, commodities or derivative instruments should be
consumated without the purchaser first having received a prospectus and, if
required, prospectus supplement. Finally, PSI has not addressed the legal,
accounting and tax implications of the analysis with respect to you, and PSI
strongly urges you to seek advice from your counsel, accountant and tax advisor.
<PAGE>
The Money Store Trust 1997-B
Title of Securities: The Money Store Trust 1997-B, Classes A-1 through A-11
(collectively, the "Certificates").
Description of
Transaction: This approximately [$970,000,000] MBIA-wrapped
transaction is supported by three distinct collateral
types.
The Class A-1 through A-8 Certificates are fixed-rate
bonds backed by fixed-rate home equity mortgage loans.
Certificate Classes A-9 and A-10 are floating-rate
classes backed by adjustable-rate home equity mortgage
loans. Class A-9 is a Pounds Sterling demoninated class
targeted for overseas buyers and is not being offered by
PSI. Class A-10 is an auction rate class and is not
being offered by PSI.
The Class A-11 Certificates are backed by multi-family
mortgage loans.
Excess spread from each of the three collateral pools
will be available to credit enhance the Certificates
supported by the other pools through
cross-collateralization.
- ------------------------------------------------------------------------------
CERTIFICATE CLASSES A-1 THROUGH A-8 (SUPPORTED BY FIXED-RATE HOME EQUITY
MORTGAGE LOANS)
- ------------------------------------------------------------------------------
Settlement Date: [June 30, 1997]
Dated Date: [June 1, 1997]
Prepayment Assumption: [23% HEP]--Actual prepayments may vary.
<TABLE>
<CAPTION>
Class A-1 Class A-2 Class A-3 Class A-4
<S> <C> <C> <C> <C>
Approximate Size: [$80,500,000] [$84,500,000] [$105,400,000] [$57,500,000]
Avg. Life to Maturity: (app.) [0.50] [1.20] [2.07] [3.03]
Avg. Life to Call: (app.) [0.50] [1.20] [2.07] [3.03]
Coupon:
Coupon Day Count 30/360 30/360 30/360 30/360
Expected Maturity (to maturity): [05/15/98 01/15/99 02/15/00 12/15/00]
Expected Maturity (to call): [05/15/98 01/15/99 02/15/00 12/15/00]
Stated Maturity: [03/15/04 11/15/09 07/15/12 01/15/17]
Class A-5 Class A-6 Class A-7 Class A-8
Approximate Size: [$52,800,000] [$49,000,000] [$65,300,000] [$55,000,000]
Avg. Life to Maturity: (app.) [4.01] [5.34] [9.94] [6.46]
Avg. Life to Call: (app.) [4.01] [5.34] [8.15] [6.36]
Coupon:
Coupon Day Count 30/360 30/360 30/360 30/360
Expected Maturity (to maturity): [02/15/02 10/15/03 05/15/14 02/15/14]
Expected Maturity (to call): [02/15/02 10/15/03 02/15/06 02/15/06]
Stated Maturity: [07/15/21 09/15/24 07/15/38 07/15/38]
</TABLE>
THIS PAGE MUST BE ACCOMPANIED BY A DISCLAIMER. IF YOU DID NOT RECEIVE SUCH A
DISCLAIMER, PLEASE CONTACT YOUR PRUDENTIAL SECURITIES INCORPORATED FINANCIAL
ADVISOR IMMEDIATELY.
<PAGE>
The Money Store Trust 1997-B
- -------------------------------------------------------------------------------
CERTIFICATE CLASS A-11 (SUPPORTED BY MULTI-FAMILY MORTGAGE LOANS)
- -------------------------------------------------------------------------------
Settlement Date: [June 30, 1997]
Dated Date: [June 1, 1997]
Prepayment Assumption: [2% CPR months 1-48; 10% CPR beginning
month 49 adjusted for seasoning]
--Actual prepayments may vary.
Class A-11
Approximate Size: [$10,000,000]
Avg. Life to Maturity: (app.) [6.51]
Avg. Life to Call: (app.) [4.87]
Coupon: [ %]
Coupon Day Count: 30/360
Expected Maturity (to maturity): [06/15/26]
Expected Maturity (to call): [02/15/06]
Stated Maturity: [07/15/28]
- -------------------------------------------------------------------------------
Cleanup Call: The Servicer may repurchase the collateral and, as a
(All Certificate result, cause the Certificates to be called at par plus
Classes) accrued interest after the remaining balances of the
loans are less than 10% of the sum of the i) the
aggregate principal balances of the initial Home Equity
Loans and the Initial Multi- Family Loans as of the
cut-off date and ii) the original Pre-Funded Amount.
Collateral Pool 1: Fixed-rate home equity mortgage loans secured primarily
(Supports Certificate by one-to-four family residences.
Classes A-1 through A-8,
app. $550,000,000)
Collateral Pool 3: Fixed-rate multi-family mortgage loans, secured by five
(Supports Certificate or more unit residential or mixed-use residential and
Class A-11, commercial properties.
app. $10,000,000)
Cross-
Collateralization: Excess spread from each of the three collateral pools
will be available to credit enhance all Certificates
supported by the other pools, pro-rata, based on their
needs.
Form of Certificates: Book entry form, same day funds (through DTC, CEDEL or
Euroclear).
Servicer: The Money Store Inc.
Servicing Fee: 50 basis points per annum.
Trustee: Bank of New York.
Payment Date: The 15th day of each month or, if such day is not a
business day, the next succeeding business day,
beginning on [July 15, 1997].
Payment Delay: 14 days for Certificate Classes A-1 through A-8 and
A-11.
Interest Accrual
Period: Interest will accrue from the 1st day of the preceeding
month until the 30th day of the preceeding month for
Certificate Classes A-1 through A-8 and A-11 based on a
30/360 day count.
Certificate Ratings: The Certificates will be rated AAA/Aaa by Standard &
Poor's and Moody's, respectively.
Certificare Insurer: Municipal Bond Investors Assurance Corporation
("MBIA"). MBIA's claims-paying ability is rated AAA/Aaa
by Standard and Poor's and Moody's.
Certificate Insurance: Timely interest and eventual principal payments on the
Certificates will be 100% guaranteed by MBIA. The
insurance policy does not include the interest
shortfall reimbursement.
Prefunding Account: Approximately [25%] of the fixed-rate home equity
collateral supporting Certificate Classes A-1 through
A-8 will be prefunded. None of the fixed-rate
multi-family loan collateral supporting Certificate
Class A-11 is expected to be prefunded.
THIS PAGE MUST BE ACCOMPANIED BY A DISCLAIMER. IF YOU DID NOT RECEIVE SUCH A
DISCLAIMER, PLEASE CONTACT YOUR PRUDENTIAL SECURITIES INCORPORATED FINANCIAL
ADVISOR IMMEDIATELY.
<PAGE>
The Money Store Trust 1997-B
Overcollateralization: The subordination provisions of the Trust are intended
to provide for limited acceleration of the Certificates
relative to the amortization of the related collateral,
generally in the early months of the transaction. The
accelerated amortization is achieved by applying
certain excess interest collected on the collateral to
the payment of principal on the Certificates. This
acceleration feature is intended to create, with
respect to each Collateral Pool, an amount
("Overcollateralization") resulting from, and equal to,
the excess of the aggregate principal balances of the
Collateral Pool over the principal balance of the
related Certificates. Once the required
Overcollateralization level is reached, the
acceleration feature will cease, unless necessary to
maintain the required level of Overcollateralization.
CERTIFICATE CLASSES A-1 THROUGH A-8 (supported by
fixed-rate home equity mortgage loans) Excess spread
will be used to build the Spread Amount to an initial
target of [TBD]% of the original principal balance.
After 30 months, the Spread Amount requirement will be
changed to the lesser of [TBD]% of original principal
balance or [TBD]% of current principal balance, subject
to a floor of [TBD]% of original principal balance.
CERTIFICATE CLASS A-11 (supported by fixed-rate
multi-family mortgage loans) An initial deposit of
[TBD]% of the original principal balance will be
required. Excess spread will be used to build the
Spread Amount to an initial target of [TBD]% of the
original principal balance. After 30 months, the Spread
Amount requirement will be changed to the lesser of
[TBD]% of the original principal balance or [TBD]% of
current principal balance, subject to a floor of [TBD]%
of original principal balance.
Cashflow Structure: I. Interest Payments are applied as follows:
CERTIFICATE CLASSES A-1 THROUGH A-8 (supported by
fixed-rate home equity mortgage loans)
1) Ongoing Trust Fees;
2) Repayment of any unreimbursed Servicer advances with
respect to defaulted loans;
3) Accrued monthly interest;
4) Paydown of Certificates to the required level of
Overcollateralization;
5) Any excess cash flow reverts to the Seller.
CERTIFICATE CLASS A-11 (supported by multi-family
mortgage loans)
1) Ongoing Trust Fees;
2) Repayment of any unreimbursed Servicer advances with
respect to defaulted loans;
3) Accrued monthly interest;
4) Paydown of Certificates to the required level of
Overcollateralization;
5) Any excess cash flow reverts to the Seller.
II. Principal payments are applied as follows:
CERTIFICATE CLASSES A-1 THROUGH A-8 (supported by
fixed-rate home equity mortgage loans)
1) to the Class A-8, an amount equal to the Class A-8
Principal Distribution Amount (as described below)
2) to the Class A-1, Class A-2, Class A-3, Class A-4,
Class A-5, Class A-6 and Class A-7 Certificates,
sequentially in that order, until each such class is
retired.
The Class A-8 Distribution Amount for any remittance
date will be the product of:
(i) the applicable Class A-8 Principal Percentage (as
described below) and
(ii) the Class A-8 Pro Rata Principal Distribution
Amount, where
Class A-8 Principal
Remittance Dates Percentage
---------------- ----------
July 1997 - June 2000 0%
July 2000 - June 2002 45%
July 2002 - June 2003 80%
July 2003 - June 2004 100%
July 2004 and thereafter 300%
CERTIFICATE CLASS A-11 (supported by multi-family
mortgage loans) 1) 100% to Class A-11 until Class A-11
is retired.
THIS PAGE MUST BE ACCOMPANIED BY A DISCLAIMER. IF YOU DID NOT RECEIVE SUCH A
DISCLAIMER, PLEASE CONTACT YOUR PRUDENTIAL SECURITIES INCORPORATED FINANCIAL
ADVISOR IMMEDIATELY.
<PAGE>
The Money Store Trust 1997-B
Credit Enhancement: 1) 100% wrap from MBIA guarantees timely payment of
interest and eventual principal (excluding interest
shortfall reimbursement).
2) Overcollateralization.
3) Cross-Collateralization.
4) Ongoing spread.
Pricing Date: [June , 1997]
Settlement Date: [June 30, 1997]
ERISA
Considerations: All of the Certificates will be ERISA eligible.
Taxation: REMIC.
Legal Investment: The Class A-1 through A-8 and A-11 Certificates will
not be SMMEA eligible.
Prospectus: The Certificates are being offered pursuant to a
Prospectus which includes a Prospectus Supplement
(together, the "Prospectus"). Complete information with
respect to the Certificates and the Collateral is
contained in the Prospectus. The foregoing is qualified
in its entirety by the information appearing in the
Prospectus. To the extent that the foregoing is
inconsistent with the Prospectus, the Prospectus shall
govern in all respects. Sales of the Certificates may
not be consumated unless the purchaser has received the
Prospectus.
THIS PAGE MUST BE ACCOMPANIED BY A DISCLAIMER. IF YOU DID NOT RECEIVE SUCH A
DISCLAIMER, PLEASE CONTACT YOUR PRUDENTIAL SECURITIES INCORPORATED FINANCIAL
ADVISOR IMMEDIATELY.
<PAGE>
<TABLE>
<CAPTION>
CURRENT BALANCE: $80,500,000.00 DATED DATE: 06/01/97
COUPON: TBD mon7b FIRST PAYMENT: 07/15/97
FACTOR: 1.0000000000 TOTAL CLASSES: 11
ORIGINAL BALANCE: $80,500,000.00 BOND A1 BE-YIELD TABLE YIELD TABLE DATE: 06/30/97
PREPAYMENT SPEED
PRICING SPEED
FIX (HEP) 23.0%/ 17.00%/ 19.00%/ 21.00%/ 25.00%/ 27.00%/ 29.00%/
MF (CPR) VECTOR VECTOR VECTOR VECTOR VECTOR VECTOR VECTOR
<S> <C> <C> <C> <C> <C> <C> <C>
99-23 6.477 6.468 6.471 6.474 6.481 6.483 6.486
99-23+ 6.445 6.439 6.441 6.443 6.446 6.448 6.450
99-24 6.412 6.411 6.411 6.412 6.412 6.413 6.413
99-24+ 6.379 6.382 6.381 6.380 6.378 6.377 6.376
99-25 6.346 6.354 6.351 6.349 6.344 6.342 6.340
99-25+ 6.314 6.326 6.321 6.317 6.310 6.307 6.303
99-26 6.281 6.297 6.292 6.286 6.276 6.271 6.266
99-26+ 6.248 6.269 6.262 6.255 6.242 6.236 6.230
99-27 6.216 6.240 6.232 6.223 6.208 6.201 6.193
99-27+ 6.183 6.212 6.202 6.192 6.174 6.166 6.157
99-28 6.150 6.184 6.172 6.160 6.140 6.130 6.120
99-28+ 6.118 6.155 6.142 6.129 6.106 6.095 6.084
99-29 6.085 6.127 6.112 6.098 6.072 6.060 6.047
99-29+ 6.052 6.099 6.082 6.067 6.038 6.025 6.011
99-30 6.020 6.070 6.053 6.035 6.004 5.990 5.974
99-30+ 5.987 6.042 6.023 6.004 5.970 5.954 5.938
99-31 5.954 6.014 5.993 5.973 5.936 5.919 5.901
99-31+ 5.922 5.985 5.963 5.941 5.902 5.884 5.865
100-00 5.889 5.957 5.933 5.910 5.868 5.849 5.829
100-00+ 5.857 5.929 5.904 5.879 5.834 5.814 5.792
100-01 5.824 5.900 5.874 5.848 5.800 5.779 5.756
100-01+ 5.792 5.872 5.844 5.816 5.766 5.744 5.719
100-02 5.759 5.844 5.814 5.785 5.732 5.709 5.683
100-02+ 5.726 5.816 5.785 5.754 5.698 5.674 5.647
100-03 5.694 5.787 5.755 5.723 5.665 5.639 5.610
100-03+ 5.661 5.759 5.725 5.692 5.631 5.604 5.574
100-04 5.629 5.731 5.695 5.660 5.597 5.569 5.538
100-04+ 5.597 5.703 5.666 5.629 5.563 5.533 5.501
100-05 5.564 5.675 5.636 5.598 5.529 5.498 5.465
100-05+ 5.532 5.646 5.606 5.567 5.495 5.464 5.429
100-06 5.499 5.618 5.577 5.536 5.462 5.429 5.393
100-06+ 5.467 5.590 5.547 5.505 5.428 5.394 5.356
First Payment 0.042 0.042 0.042 0.042 0.042 0.042 0.042
Average Life 0.500 0.578 0.548 0.522 0.480 0.463 0.447
Last Payment 0.875 1.042 0.958 0.875 0.792 0.792 0.792
Mod.Dur. @ 99-31 0.477 0.549 0.522 0.497 0.458 0.442 0.427
</TABLE>
THIS PAGE MUST BE ACCOMPANIED BY A DISCLAIMER. IF YOU DID NOT RECEIVE SUCH A
DISCLAIMER, PLEASE CONTACT YOUR PRUDENTIAL SECURITIES INCORPORATED FINANCIAL
ADVISOR IMMEDIATELY.
<PAGE>
<TABLE>
<CAPTION>
CURRENT BALANCE: $84,500,000.00 DATED DATE: 06/01/97
COUPON: TBD mon7b FIRST PAYMENT: 07/15/97
FACTOR: 1.0000000000 TOTAL CLASSES: 11
ORIGINAL BALANCE: $84,500,000.00 BOND A2 BE-YIELD TABLE YIELD TABLE DATE: 06/30/97
PREPAYMENT SPEED
PRICING SPEED
FIX (HEP) 23.0%/ 17.00%/ 19.00%/ 21.00%/ 25.00%/ 27.00%/ 29.00%/
MF (CPR) VECTOR VECTOR VECTOR VECTOR VECTOR VECTOR VECTOR
<S> <C> <C> <C> <C> <C> <C> <C>
99-24 6.502 6.501 6.501 6.501 6.502 6.502 6.502
99-24+ 6.488 6.490 6.489 6.488 6.487 6.486 6.485
99-25 6.474 6.479 6.477 6.475 6.472 6.471 6.469
99-25+ 6.460 6.467 6.465 6.462 6.457 6.455 6.453
99-26 6.446 6.456 6.452 6.449 6.443 6.440 6.437
99-26+ 6.432 6.444 6.440 6.436 6.428 6.424 6.421
99-27 6.418 6.433 6.428 6.423 6.413 6.409 6.405
99-27+ 6.404 6.422 6.415 6.409 6.399 6.393 6.388
99-28 6.390 6.410 6.403 6.396 6.384 6.378 6.372
99-28+ 6.376 6.399 6.391 6.383 6.369 6.362 6.356
99-29 6.362 6.387 6.378 6.370 6.354 6.347 6.340
99-29+ 6.348 6.376 6.366 6.357 6.340 6.332 6.324
99-30 6.334 6.364 6.354 6.344 6.325 6.316 6.308
99-30+ 6.320 6.353 6.342 6.331 6.310 6.301 6.292
99-31 6.306 6.342 6.329 6.318 6.296 6.285 6.276
99-31+ 6.292 6.330 6.317 6.304 6.281 6.270 6.259
100-00 6.278 6.319 6.305 6.291 6.266 6.254 6.243
100-00+ 6.265 6.307 6.292 6.278 6.252 6.239 6.227
100-01 6.251 6.296 6.280 6.265 6.237 6.224 6.211
100-01+ 6.237 6.285 6.268 6.252 6.222 6.208 6.195
100-02 6.223 6.273 6.256 6.239 6.208 6.193 6.179
100-02+ 6.209 6.262 6.243 6.226 6.193 6.177 6.163
100-03 6.195 6.251 6.231 6.213 6.178 6.162 6.147
100-03+ 6.181 6.239 6.219 6.200 6.164 6.147 6.131
100-04 6.167 6.228 6.207 6.187 6.149 6.131 6.115
100-04+ 6.153 6.216 6.194 6.173 6.134 6.116 6.098
100-05 6.140 6.205 6.182 6.160 6.120 6.100 6.082
100-05+ 6.126 6.194 6.170 6.147 6.105 6.085 6.066
100-06 6.112 6.182 6.158 6.134 6.091 6.070 6.050
100-06+ 6.098 6.171 6.145 6.121 6.076 6.054 6.034
100-07 6.084 6.160 6.133 6.108 6.061 6.039 6.018
100-07+ 6.070 6.148 6.121 6.095 6.047 6.024 6.002
First Payment 0.875 1.042 0.958 0.875 0.792 0.792 0.792
Average Life 1.198 1.477 1.366 1.275 1.134 1.077 1.029
Last Payment 1.542 1.958 1.792 1.625 1.458 1.375 1.292
Mod.Dur. @ 100-00 1.117 1.365 1.267 1.186 1.060 1.008 0.965
</TABLE>
THIS PAGE MUST BE ACCOMPANIED BY A DISCLAIMER. IF YOU DID NOT RECEIVE SUCH A
DISCLAIMER, PLEASE CONTACT YOUR PRUDENTIAL SECURITIES INCORPORATED FINANCIAL
ADVISOR IMMEDIATELY.
<PAGE>
<TABLE>
<CAPTION>
CURRENT BALANCE: $105,400,000.00 DATED DATE: 06/01/97
COUPON: TBD mon7b FIRST PAYMENT: 07/15/97
FACTOR: 1.0000000000 TOTAL CLASSES: 11
ORIGINAL BALANCE: $105,400,000.00 BOND A3 BE-YIELD TABLE YIELD TABLE DATE: 06/30/97
PREPAYMENT SPEED
PRICING SPEED
FIX (HEP) 23.0%/ 17.00%/ 19.00%/ 21.00%/ 25.00%/ 27.00%/ 29.00%/
MF (CPR) VECTOR VECTOR VECTOR VECTOR VECTOR VECTOR VECTOR
<S> <C> <C> <C> <C> <C> <C> <C>
99-23 6.614 6.611 6.612 6.613 6.615 6.616 6.617
99-23+ 6.605 6.604 6.604 6.605 6.606 6.606 6.607
99-24 6.597 6.597 6.597 6.597 6.597 6.597 6.597
99-24+ 6.589 6.591 6.590 6.589 6.588 6.587 6.587
99-25 6.580 6.584 6.583 6.582 6.579 6.578 6.577
99-25+ 6.572 6.578 6.576 6.574 6.570 6.569 6.567
99-26 6.564 6.571 6.569 6.566 6.561 6.559 6.557
99-26+ 6.555 6.564 6.561 6.558 6.553 6.550 6.547
99-27 6.547 6.558 6.554 6.551 6.544 6.540 6.537
99-27+ 6.539 6.551 6.547 6.543 6.535 6.531 6.527
99-28 6.530 6.545 6.540 6.535 6.526 6.521 6.517
99-28+ 6.522 6.538 6.533 6.527 6.517 6.512 6.507
99-29 6.514 6.532 6.526 6.520 6.508 6.503 6.497
99-29+ 6.506 6.525 6.518 6.512 6.499 6.493 6.487
99-30 6.497 6.518 6.511 6.504 6.490 6.484 6.477
99-30+ 6.489 6.512 6.504 6.496 6.482 6.474 6.467
99-31 6.481 6.505 6.497 6.489 6.473 6.465 6.457
99-31+ 6.472 6.499 6.490 6.481 6.464 6.456 6.447
100-00 6.464 6.492 6.483 6.473 6.455 6.446 6.437
100-00+ 6.456 6.485 6.475 6.466 6.446 6.437 6.427
100-01 6.447 6.479 6.468 6.458 6.437 6.427 6.417
100-01+ 6.439 6.472 6.461 6.450 6.428 6.418 6.408
100-02 6.431 6.466 6.454 6.442 6.420 6.409 6.398
100-02+ 6.423 6.459 6.447 6.435 6.411 6.399 6.388
100-03 6.414 6.453 6.440 6.427 6.402 6.390 6.378
100-03+ 6.406 6.446 6.432 6.419 6.393 6.380 6.368
100-04 6.398 6.440 6.425 6.411 6.384 6.371 6.358
100-04+ 6.389 6.433 6.418 6.404 6.375 6.362 6.348
100-05 6.381 6.426 6.411 6.396 6.367 6.352 6.338
100-05+ 6.373 6.420 6.404 6.388 6.358 6.343 6.328
100-06 6.365 6.413 6.397 6.381 6.349 6.333 6.318
100-06+ 6.356 6.407 6.390 6.373 6.340 6.324 6.308
First Payment 1.542 1.958 1.792 1.625 1.458 1.375 1.292
Average Life 2.069 2.663 2.425 2.232 1.930 1.811 1.706
Last Payment 2.625 3.458 3.125 2.875 2.458 2.292 2.125
Mod.Dur. @ 99-31 1.873 2.364 2.170 2.010 1.755 1.653 1.563
</TABLE>
THIS PAGE MUST BE ACCOMPANIED BY A DISCLAIMER. IF YOU DID NOT RECEIVE SUCH A
DISCLAIMER, PLEASE CONTACT YOUR PRUDENTIAL SECURITIES INCORPORATED FINANCIAL
ADVISOR IMMEDIATELY.
<PAGE>
<TABLE>
<CAPTION>
CURRENT BALANCE: $57,500,000.00 DATED DATE: 06/01/97
COUPON: TBD mon7b FIRST PAYMENT: 07/15/97
FACTOR: 1.0000000000 TOTAL CLASSES: 11
ORIGINAL BALANCE: $57,500,000.00 BOND A4 BE-YIELD TABLE YIELD TABLE DATE: 06/30/97
PREPAYMENT SPEED
PRICING SPEED
FIX (HEP) 23.0%/ 17.00%/ 19.00%/ 21.00%/ 25.00%/ 27.00%/ 29.00%/
MF (CPR) VECTOR VECTOR VECTOR VECTOR VECTOR VECTOR VECTOR
<S> <C> <C> <C> <C> <C> <C> <C>
99-24 6.770 6.771 6.770 6.770 6.770 6.769 6.769
99-24+ 6.764 6.766 6.765 6.765 6.763 6.763 6.762
99-25 6.758 6.762 6.760 6.759 6.757 6.756 6.755
99-25+ 6.752 6.757 6.755 6.754 6.751 6.749 6.748
99-26 6.746 6.752 6.750 6.748 6.744 6.742 6.740
99-26+ 6.740 6.748 6.745 6.743 6.738 6.736 6.733
99-27 6.735 6.743 6.740 6.738 6.732 6.729 6.726
99-27+ 6.729 6.739 6.735 6.732 6.725 6.722 6.719
99-28 6.723 6.734 6.731 6.727 6.719 6.716 6.712
99-28+ 6.717 6.730 6.726 6.721 6.713 6.709 6.705
99-29 6.711 6.725 6.721 6.716 6.707 6.702 6.698
99-29+ 6.705 6.721 6.716 6.710 6.700 6.695 6.691
99-30 6.699 6.716 6.711 6.705 6.694 6.689 6.683
99-30+ 6.694 6.712 6.706 6.700 6.688 6.682 6.676
99-31 6.688 6.707 6.701 6.694 6.681 6.675 6.669
99-31+ 6.682 6.702 6.696 6.689 6.675 6.669 6.662
100-00 6.676 6.698 6.691 6.683 6.669 6.662 6.655
100-00+ 6.670 6.693 6.686 6.678 6.663 6.655 6.648
100-01 6.664 6.689 6.681 6.672 6.656 6.648 6.641
100-01+ 6.658 6.684 6.676 6.667 6.650 6.642 6.634
100-02 6.653 6.680 6.671 6.662 6.644 6.635 6.626
100-02+ 6.647 6.675 6.666 6.656 6.637 6.628 6.619
100-03 6.641 6.671 6.661 6.651 6.631 6.622 6.612
100-03+ 6.635 6.666 6.656 6.645 6.625 6.615 6.605
100-04 6.629 6.662 6.651 6.640 6.619 6.608 6.598
100-04+ 6.623 6.657 6.646 6.635 6.612 6.602 6.591
100-05 6.618 6.652 6.641 6.629 6.606 6.595 6.584
100-05+ 6.612 6.648 6.636 6.624 6.600 6.588 6.577
100-06 6.606 6.643 6.631 6.618 6.594 6.582 6.570
100-06+ 6.600 6.639 6.626 6.613 6.587 6.575 6.563
100-07 6.594 6.634 6.621 6.608 6.581 6.568 6.555
100-07+ 6.588 6.630 6.616 6.602 6.575 6.562 6.548
First Payment 2.625 3.458 3.125 2.875 2.458 2.292 2.125
Average Life 3.030 4.034 3.637 3.305 2.802 2.612 2.446
Last Payment 3.458 4.625 4.208 3.792 3.208 2.958 2.792
Mod.Dur. @ 100-00 2.654 3.421 3.123 2.869 2.473 2.319 2.184
</TABLE>
THIS PAGE MUST BE ACCOMPANIED BY A DISCLAIMER. IF YOU DID NOT RECEIVE SUCH A
DISCLAIMER, PLEASE CONTACT YOUR PRUDENTIAL SECURITIES INCORPORATED FINANCIAL
ADVISOR IMMEDIATELY.
<PAGE>
<TABLE>
<CAPTION>
CURRENT BALANCE: $52,800,000.00 DATED DATE: 06/01/97
COUPON: TBD mon7b FIRST PAYMENT: 07/15/97
FACTOR: 1.0000000000 TOTAL CLASSES: 11
ORIGINAL BALANCE: $52,800,000.00 BOND A5 BE-YIELD TABLE YIELD TABLE DATE: 06/30/97
PREPAYMENT SPEED
PRICING SPEED
FIX (HEP) 23.0%/ 17.00%/ 19.00%/ 21.00%/ 25.00%/ 27.00%/ 29.00%/
MF (CPR) VECTOR VECTOR VECTOR VECTOR VECTOR VECTOR VECTOR
<S> <C> <C> <C> <C> <C> <C> <C>
99-24 6.928 6.929 6.929 6.929 6.928 6.928 6.927
99-24+ 6.924 6.926 6.925 6.924 6.923 6.922 6.921
99-25 6.919 6.922 6.921 6.920 6.918 6.917 6.916
99-25+ 6.915 6.919 6.917 6.916 6.913 6.912 6.910
99-26 6.910 6.915 6.913 6.912 6.908 6.906 6.904
99-26+ 6.905 6.912 6.909 6.907 6.903 6.901 6.899
99-27 6.901 6.908 6.906 6.903 6.898 6.896 6.893
99-27+ 6.896 6.904 6.902 6.899 6.893 6.890 6.887
99-28 6.892 6.901 6.898 6.895 6.888 6.885 6.882
99-28+ 6.887 6.897 6.894 6.890 6.883 6.880 6.876
99-29 6.882 6.894 6.890 6.886 6.878 6.874 6.870
99-29+ 6.878 6.890 6.886 6.882 6.874 6.869 6.865
99-30 6.873 6.887 6.882 6.878 6.869 6.864 6.859
99-30+ 6.869 6.883 6.878 6.873 6.864 6.859 6.853
99-31 6.864 6.879 6.874 6.869 6.859 6.853 6.848
99-31+ 6.859 6.876 6.870 6.865 6.854 6.848 6.842
100-00 6.855 6.872 6.867 6.861 6.849 6.843 6.836
100-00+ 6.850 6.869 6.863 6.856 6.844 6.837 6.831
100-01 6.846 6.865 6.859 6.852 6.839 6.832 6.825
100-01+ 6.841 6.862 6.855 6.848 6.834 6.827 6.819
100-02 6.837 6.858 6.851 6.844 6.829 6.821 6.814
100-02+ 6.832 6.855 6.847 6.840 6.824 6.816 6.808
100-03 6.827 6.851 6.843 6.835 6.819 6.811 6.802
100-03+ 6.823 6.847 6.839 6.831 6.814 6.806 6.797
100-04 6.818 6.844 6.835 6.827 6.809 6.800 6.791
100-04+ 6.814 6.840 6.831 6.823 6.804 6.795 6.785
100-05 6.809 6.837 6.828 6.818 6.799 6.790 6.780
100-05+ 6.804 6.833 6.824 6.814 6.795 6.784 6.774
100-06 6.800 6.830 6.820 6.810 6.790 6.779 6.768
100-06+ 6.795 6.826 6.816 6.806 6.785 6.774 6.763
100-07 6.791 6.823 6.812 6.801 6.780 6.768 6.757
100-07+ 6.786 6.819 6.808 6.797 6.775 6.763 6.751
First Payment 3.458 4.625 4.208 3.792 3.208 2.958 2.792
Average Life 4.008 5.406 4.844 4.388 3.682 3.397 3.152
Last Payment 4.625 6.292 5.625 5.042 4.208 3.875 3.625
Mod.Dur. @ 100-00 3.390 4.369 3.986 3.665 3.147 2.931 2.742
</TABLE>
THIS PAGE MUST BE ACCOMPANIED BY A DISCLAIMER. IF YOU DID NOT RECEIVE SUCH A
DISCLAIMER, PLEASE CONTACT YOUR PRUDENTIAL SECURITIES INCORPORATED FINANCIAL
ADVISOR IMMEDIATELY.
<PAGE>
<TABLE>
<CAPTION>
CURRENT BALANCE: $49,000,000.00 DATED DATE: 06/01/97
COUPON: TBD mon7b FIRST PAYMENT: 07/15/97
FACTOR: 1.0000000000 TOTAL CLASSES: 11
ORIGINAL BALANCE: $49,000,000.00 BOND A6 BE-YIELD TABLE YIELD TABLE DATE: 06/30/97
PREPAYMENT SPEED
PRICING SPEED
FIX (HEP) 23.0%/ 17.00%/ 19.00%/ 21.00%/ 25.00%/ 27.00%/ 29.00%/
MF (CPR) VECTOR VECTOR VECTOR VECTOR VECTOR VECTOR VECTOR
<S> <C> <C> <C> <C> <C> <C> <C>
99-24 7.052 7.053 7.053 7.052 7.051 7.051 7.051
99-24+ 7.048 7.050 7.050 7.049 7.047 7.047 7.046
99-25 7.044 7.048 7.047 7.045 7.044 7.043 7.042
99-25+ 7.041 7.045 7.044 7.042 7.040 7.038 7.037
99-26 7.037 7.042 7.041 7.039 7.036 7.034 7.033
99-26+ 7.034 7.040 7.038 7.035 7.032 7.030 7.028
99-27 7.030 7.037 7.035 7.032 7.028 7.026 7.024
99-27+ 7.026 7.034 7.032 7.029 7.024 7.022 7.019
99-28 7.023 7.031 7.029 7.026 7.020 7.017 7.015
99-28+ 7.019 7.029 7.026 7.022 7.016 7.013 7.010
99-29 7.016 7.026 7.023 7.019 7.012 7.009 7.006
99-29+ 7.012 7.023 7.020 7.016 7.008 7.005 7.001
99-30 7.008 7.021 7.017 7.012 7.005 7.001 6.997
99-30+ 7.005 7.018 7.014 7.009 7.001 6.996 6.992
99-31 7.001 7.015 7.011 7.006 6.997 6.992 6.988
99-31+ 6.998 7.013 7.008 7.002 6.993 6.988 6.983
100-00 6.994 7.010 7.005 6.999 6.989 6.984 6.979
100-00+ 6.990 7.007 7.002 6.996 6.985 6.980 6.974
100-01 6.987 7.005 6.999 6.992 6.981 6.976 6.970
100-01+ 6.983 7.002 6.996 6.989 6.977 6.971 6.965
100-02 6.980 6.999 6.993 6.986 6.973 6.967 6.961
100-02+ 6.976 6.997 6.990 6.982 6.969 6.963 6.957
100-03 6.972 6.994 6.987 6.979 6.966 6.959 6.952
100-03+ 6.969 6.991 6.984 6.976 6.962 6.955 6.948
100-04 6.965 6.989 6.981 6.972 6.958 6.950 6.943
100-04+ 6.962 6.986 6.978 6.969 6.954 6.946 6.939
100-05 6.958 6.983 6.975 6.966 6.950 6.942 6.934
100-05+ 6.954 6.981 6.972 6.963 6.946 6.938 6.930
100-06 6.951 6.978 6.969 6.959 6.942 6.934 6.925
100-06+ 6.947 6.975 6.966 6.956 6.938 6.930 6.921
100-07 6.944 6.973 6.963 6.953 6.934 6.925 6.916
100-07+ 6.940 6.970 6.960 6.949 6.931 6.921 6.912
First Payment 4.625 6.292 5.625 5.042 4.208 3.875 3.625
Average Life 5.343 7.789 6.748 5.919 4.870 4.473 4.138
Last Payment 6.292 9.625 8.542 7.125 5.708 5.208 4.792
Mod.Dur. @ 100-00 4.310 5.797 5.194 4.685 3.990 3.714 3.474
</TABLE>
THIS PAGE MUST BE ACCOMPANIED BY A DISCLAIMER. IF YOU DID NOT RECEIVE SUCH A
DISCLAIMER, PLEASE CONTACT YOUR PRUDENTIAL SECURITIES INCORPORATED FINANCIAL
ADVISOR IMMEDIATELY.
<PAGE>
<TABLE>
<CAPTION>
CURRENT BALANCE: $65,300,000.00 DATED DATE: 06/01/97
COUPON: TBD mon7b FIRST PAYMENT: 07/15/97
FACTOR: 1.0000000000 TOTAL CLASSES: 11
ORIGINAL BALANCE: $65,300,000.00 BOND A7 BE-YIELD TABLE YIELD TABLE DATE: 06/30/97
PREPAYMENT SPEED
PRICING SPEED
FIX (HEP) 23.0%/ 17.00%/ 19.00%/ 21.00%/ 25.00%/ 27.00%/ 29.00%/
MF (CPR) VECTOR VECTOR VECTOR VECTOR VECTOR VECTOR VECTOR
<S> <C> <C> <C> <C> <C> <C> <C>
99-24 7.402 7.403 7.402 7.402 7.401 7.401 7.400
99-24+ 7.399 7.401 7.400 7.400 7.399 7.398 7.398
99-25 7.397 7.399 7.398 7.398 7.396 7.396 7.395
99-25+ 7.395 7.397 7.396 7.396 7.394 7.393 7.392
99-26 7.392 7.395 7.394 7.393 7.391 7.390 7.389
99-26+ 7.390 7.393 7.392 7.391 7.389 7.388 7.386
99-27 7.388 7.391 7.390 7.389 7.386 7.385 7.383
99-27+ 7.385 7.389 7.388 7.387 7.384 7.382 7.380
99-28 7.383 7.387 7.386 7.385 7.381 7.380 7.377
99-28+ 7.381 7.385 7.384 7.383 7.379 7.377 7.375
99-29 7.379 7.383 7.382 7.380 7.376 7.374 7.372
99-29+ 7.376 7.381 7.380 7.378 7.374 7.372 7.369
99-30 7.374 7.379 7.378 7.376 7.372 7.369 7.366
99-30+ 7.372 7.377 7.376 7.374 7.369 7.366 7.363
99-31 7.369 7.376 7.374 7.372 7.367 7.364 7.360
99-31+ 7.367 7.374 7.372 7.370 7.364 7.361 7.357
100-00 7.365 7.372 7.370 7.367 7.362 7.358 7.355
100-00+ 7.362 7.370 7.368 7.365 7.359 7.356 7.352
100-01 7.360 7.368 7.366 7.363 7.357 7.353 7.349
100-01+ 7.358 7.366 7.364 7.361 7.354 7.350 7.346
100-02 7.355 7.364 7.362 7.359 7.352 7.348 7.343
100-02+ 7.353 7.362 7.360 7.357 7.349 7.345 7.340
100-03 7.351 7.360 7.357 7.354 7.347 7.342 7.337
100-03+ 7.348 7.358 7.355 7.352 7.344 7.340 7.334
100-04 7.346 7.356 7.353 7.350 7.342 7.337 7.332
100-04+ 7.344 7.354 7.351 7.348 7.339 7.334 7.329
100-05 7.342 7.352 7.349 7.346 7.337 7.332 7.326
100-05+ 7.339 7.351 7.347 7.344 7.334 7.329 7.323
100-06 7.337 7.349 7.345 7.342 7.332 7.326 7.320
100-06+ 7.335 7.347 7.343 7.339 7.329 7.324 7.317
100-07 7.332 7.345 7.341 7.337 7.327 7.321 7.314
100-07+ 7.330 7.343 7.339 7.335 7.324 7.318 7.312
First Payment 6.292 9.625 8.542 7.125 5.708 5.208 4.792
Average Life 9.942 13.107 11.996 10.962 9.022 8.188 7.425
Last Payment 16.875 21.708 19.875 18.292 15.542 14.875 14.208
Mod.Dur. @ 100-00 6.720 8.065 7.634 7.195 6.266 5.833 5.419
</TABLE>
THIS PAGE MUST BE ACCOMPANIED BY A DISCLAIMER. IF YOU DID NOT RECEIVE SUCH A
DISCLAIMER, PLEASE CONTACT YOUR PRUDENTIAL SECURITIES INCORPORATED FINANCIAL
ADVISOR IMMEDIATELY.
<PAGE>
<TABLE>
<CAPTION>
CURRENT BALANCE: $55,000,000.00 DATED DATE: 06/01/97
COUPON: TBD mon7b FIRST PAYMENT: 07/15/97
FACTOR: 1.0000000000 TOTAL CLASSES: 11
ORIGINAL BALANCE: $55,000,000.00 BOND A8 BE-YIELD TABLE YIELD TABLE DATE: 06/30/97
PREPAYMENT SPEED
PRICING SPEED
FIX (HEP) 23.0%/ 17.00%/ 19.00%/ 21.00%/ 25.00%/ 27.00%/ 29.00%/
MF (CPR) VECTOR VECTOR VECTOR VECTOR VECTOR VECTOR VECTOR
<S> <C> <C> <C> <C> <C> <C> <C>
99-24 7.037 7.037 7.037 7.037 7.037 7.037 7.037
99-24+ 7.034 7.034 7.034 7.034 7.034 7.034 7.034
99-25 7.031 7.031 7.031 7.031 7.031 7.030 7.030
99-25+ 7.028 7.028 7.028 7.028 7.027 7.027 7.027
99-26 7.024 7.025 7.025 7.025 7.024 7.024 7.024
99-26+ 7.021 7.022 7.022 7.022 7.021 7.021 7.020
99-27 7.018 7.020 7.019 7.019 7.018 7.017 7.017
99-27+ 7.015 7.017 7.016 7.016 7.015 7.014 7.014
99-28 7.012 7.014 7.013 7.012 7.011 7.011 7.010
99-28+ 7.009 7.011 7.010 7.009 7.008 7.008 7.007
99-29 7.006 7.008 7.007 7.006 7.005 7.004 7.004
99-29+ 7.003 7.005 7.004 7.003 7.002 7.001 7.001
99-30 6.999 7.002 7.001 7.000 6.999 6.998 6.997
99-30+ 6.996 6.999 6.998 6.997 6.995 6.995 6.994
99-31 6.993 6.996 6.995 6.994 6.992 6.992 6.991
99-31+ 6.990 6.993 6.992 6.991 6.989 6.988 6.987
100-00 6.987 6.990 6.989 6.988 6.986 6.985 6.984
100-00+ 6.984 6.987 6.986 6.985 6.983 6.982 6.981
100-01 6.981 6.984 6.983 6.982 6.980 6.979 6.978
100-01+ 6.977 6.981 6.980 6.979 6.976 6.975 6.974
100-02 6.974 6.978 6.977 6.976 6.973 6.972 6.971
100-02+ 6.971 6.975 6.974 6.973 6.970 6.969 6.968
100-03 6.968 6.972 6.971 6.969 6.967 6.966 6.964
100-03+ 6.965 6.969 6.968 6.966 6.964 6.962 6.961
100-04 6.962 6.966 6.965 6.963 6.960 6.959 6.958
100-04+ 6.959 6.963 6.962 6.960 6.957 6.956 6.955
100-05 6.956 6.960 6.959 6.957 6.954 6.953 6.951
100-05+ 6.952 6.958 6.956 6.954 6.951 6.949 6.948
100-06 6.949 6.955 6.953 6.951 6.948 6.946 6.945
100-06+ 6.946 6.952 6.950 6.948 6.945 6.943 6.942
100-07 6.943 6.949 6.947 6.945 6.941 6.940 6.938
100-07+ 6.940 6.946 6.944 6.942 6.938 6.937 6.935
First Payment 3.042 3.042 3.042 3.042 3.042 3.042 3.042
Average Life 6.457 6.972 6.782 6.613 6.314 6.185 6.070
Last Payment 16.625 21.458 19.625 18.125 15.042 14.458 14.042
Mod.Dur. @ 100-00 4.965 5.263 5.154 5.056 4.879 4.801 4.730
</TABLE>
THIS PAGE MUST BE ACCOMPANIED BY A DISCLAIMER. IF YOU DID NOT RECEIVE SUCH A
DISCLAIMER, PLEASE CONTACT YOUR PRUDENTIAL SECURITIES INCORPORATED FINANCIAL
ADVISOR IMMEDIATELY.
<PAGE>
<TABLE>
<CAPTION>
CURRENT BALANCE: $10,000,000.00 DATED DATE: 06/01/97
COUPON: TBD mon7b FIRST PAYMENT: 07/15/97
FACTOR: 1.0000000000 TOTAL CLASSES: 11
ORIGINAL BALANCE: $10,000,000.00 BOND A11 BE-YIELD TABLE YIELD TABLE DATE: 06/30/97
PREPAYMENT SPEED
PRICING SPEED
FIX (HEP) 23.0%/ 23.00%/ 23.00%/ 23.00%/ 23.00%/ 23.00%/ 23.00%/
MF (CPR) VECTOR 4.00 6.00 8.00 12.00 14.00 16.00
<S> <C> <C> <C> <C> <C> <C> <C>
99-24 7.312 7.313 7.312 7.311 7.309 7.307 7.306
99-24+ 7.308 7.310 7.308 7.306 7.303 7.301 7.300
99-25 7.305 7.306 7.304 7.302 7.298 7.295 7.293
99-25+ 7.301 7.303 7.300 7.298 7.292 7.290 7.287
99-26 7.298 7.300 7.297 7.294 7.287 7.284 7.280
99-26+ 7.294 7.297 7.293 7.289 7.282 7.278 7.274
99-27 7.290 7.293 7.289 7.285 7.276 7.272 7.267
99-27+ 7.287 7.290 7.285 7.281 7.271 7.266 7.261
99-28 7.283 7.287 7.282 7.276 7.265 7.260 7.254
99-28+ 7.280 7.284 7.278 7.272 7.260 7.254 7.248
99-29 7.276 7.281 7.274 7.268 7.255 7.248 7.241
99-29+ 7.272 7.277 7.271 7.264 7.249 7.242 7.235
99-30 7.269 7.274 7.267 7.259 7.244 7.236 7.228
99-30+ 7.265 7.271 7.263 7.255 7.239 7.230 7.222
99-31 7.262 7.268 7.259 7.251 7.233 7.224 7.215
99-31+ 7.258 7.264 7.256 7.246 7.228 7.218 7.209
100-00 7.254 7.261 7.252 7.242 7.223 7.212 7.202
100-00+ 7.251 7.258 7.248 7.238 7.217 7.206 7.196
100-01 7.247 7.255 7.244 7.234 7.212 7.201 7.189
100-01+ 7.244 7.252 7.241 7.229 7.206 7.195 7.183
100-02 7.240 7.248 7.237 7.225 7.201 7.189 7.176
100-02+ 7.236 7.245 7.233 7.221 7.196 7.183 7.170
100-03 7.233 7.242 7.229 7.217 7.190 7.177 7.163
100-03+ 7.229 7.239 7.226 7.212 7.185 7.171 7.157
100-04 7.226 7.236 7.222 7.208 7.180 7.165 7.150
100-04+ 7.222 7.232 7.218 7.204 7.174 7.159 7.144
100-05 7.219 7.229 7.215 7.200 7.169 7.153 7.137
100-05+ 7.215 7.226 7.211 7.195 7.164 7.147 7.131
100-06 7.211 7.223 7.207 7.191 7.158 7.142 7.124
100-06+ 7.208 7.220 7.203 7.187 7.153 7.136 7.118
100-07 7.204 7.216 7.200 7.183 7.148 7.130 7.112
100-07+ 7.201 7.213 7.196 7.178 7.142 7.124 7.105
First Payment 0.042 0.042 0.042 0.042 0.042 0.042 0.042
Average Life 6.514 8.190 6.674 5.575 4.110 3.605 3.199
Last Payment 28.958 29.625 29.458 29.208 27.792 26.542 24.875
Mod.Dur. @ 100-00 4.324 4.839 4.161 3.642 2.899 2.625 2.394
</TABLE>
THIS PAGE MUST BE ACCOMPANIED BY A DISCLAIMER. IF YOU DID NOT RECEIVE SUCH A
DISCLAIMER, PLEASE CONTACT YOUR PRUDENTIAL SECURITIES INCORPORATED FINANCIAL
ADVISOR IMMEDIATELY.
<PAGE>
- --------------------------------------------------------------------------------
- MONEY STORE 1997-B
- Cut Off Date of Tape is 6/1/97
- FIXED RATE HEL COLLATERAL
- $238,554,528.95
- --------------------------------------------------------------------------------
Number of Mortgage Loans: 5,242
Lien Status: First Lien Loans : 78.13%
Second Lien Loans : 21.87%
Aggregate Unpaid Principal Balance: $238,554,528.95
Aggregate Original Principal Balance: $238,961,375.89
Weighted Average Gross Coupon: 11.503%
Gross Coupon Range: 5.000% - 15.990%
- --------------------------------------------------------------------------------
Average Unpaid Principal Balance: $45,508.30
Average Original Principal Balance: $45,585.92
Maximum Unpaid Principal Balance: $539,544.18
Minimum Unpaid Principal Balance: $3,883.86
Maximum Original Principal Balance: $540,000.00
Minimum Original Principal Balance: $5,000.00
Weighted Avg. Stated Rem. Term (PTD to Mat/Bln Date): 260.482
Stated Rem Term Range: 23.000 - 480.000
Weighted Average Age (First Pay thru Paid Thru Date): 2.155
Age Range: 0.000 - 103.000
Weighted Average Original Term (to Mat/Bln Date): 262.638
Original Term Range: 24.000 - 480.000
Weighted Average Original Term (to Mat/Amor. Date): 285.902
Original Term Range: 24.000 - 480.000
Weighted Average Original Combined LTV: 71.808%
Original Combined LTV Range: 4.350% - 100.000%
Weighted Average Debt to Income Ratio: 35.491
Debt to Income Ratio Range: 2.200 - 73.770
Weighted Average FICO Score: 609.262
FICO Score Range: 360.000 - 822.000
- --------------------------------------------------------------------------------
MAX ZIP CODE CONCENTRATION : .30% zip code = 43017 state = OH
EARLIEST FIRST PAYMENT DATE: 12/05/88
LATEST MATURITY DATE : 06/01/37
THIS PAGE MUST BE ACCOMPANIED BY A DISCLAIMER. IF YOU DID NOT RECEIVE SUCH A
DISCLAIMER, PLEASE CONTACT YOUR PRUDENTIAL SECURITIES INCORPORATED FINANCIAL
ADVISOR IMMEDIATELY.
<PAGE>
<TABLE>
<CAPTION>
GROSS COUPON
- -------------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
Gross # % Rem WA Orig Balance Current
Coupon Loan Pool WAC Term Age CLTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
4.75% * Gross Coupon *= 5.00% 1 .00 5.000 30.00 74.00 70.18 $13,785 $11,172.76
6.75% * Gross Coupon *= 7.00% 2 .04 6.991 62.60 14.01 76.19 $87,000 $100,972.39
8.00% * Gross Coupon *= 8.25% 1 .05 8.250 347.00 13.00 64.71 $109,065 $108,833.41
8.25% * Gross Coupon *= 8.50% 1 .10 8.500 165.00 15.00 67.71 $236,856 $234,656.70
8.50% * Gross Coupon *= 8.75% 4 .11 8.750 279.65 2.21 69.12 $82,000 $258,316.77
8.75% * Gross Coupon *= 9.00% 27 .91 8.973 257.76 3.92 77.78 $203,200 $2,175,551.09
9.00% * Gross Coupon *= 9.25% 16 .63 9.246 288.94 2.30 69.45 $249,500 $1,492,777.24
9.25% * Gross Coupon *= 9.50% 81 2.92 9.477 315.31 2.68 74.60 $272,500 $6,960,018.55
9.50% * Gross Coupon *= 9.75% 102 3.68 9.729 311.27 2.53 71.55 $316,500 $8,771,508.96
9.75% * Gross Coupon *= 10.00% 343 11.61 9.968 309.14 2.09 73.06 $345,000 $27,702,874.91
10.00% * Gross Coupon *= 10.25% 80 2.76 10.230 328.52 1.75 70.48 $540,000 $6,585,647.61
10.25% * Gross Coupon *= 10.50% 192 5.80 10.473 299.14 1.80 71.06 $325,000 $13,828,894.58
10.50% * Gross Coupon *= 10.75% 159 4.59 10.716 278.01 2.55 72.50 $381,250 $10,953,896.57
10.75% * Gross Coupon *= 11.00% 369 8.73 10.962 268.50 1.75 71.10 $210,000 $20,818,506.69
11.00% * Gross Coupon *= 11.25% 235 5.55 11.203 266.57 1.88 70.55 $350,000 $13,236,180.73
11.25% * Gross Coupon *= 11.50% 322 6.84 11.469 267.74 1.65 71.63 $276,250 $16,322,741.49
11.50% * Gross Coupon *= 11.75% 211 4.29 11.711 249.97 2.57 71.80 $222,406 $10,243,743.93
11.75% * Gross Coupon *= 12.00% 537 8.98 11.960 234.00 2.17 71.37 $243,750 $21,427,350.05
12.00% * Gross Coupon *= 12.25% 311 4.58 12.193 235.80 1.86 71.05 $197,200 $10,923,130.89
12.25% * Gross Coupon *= 12.50% 391 5.58 12.464 229.76 2.01 70.40 $172,000 $13,320,895.32
12.50% * Gross Coupon *= 12.75% 309 4.16 12.683 219.13 2.26 73.67 $195,000 $9,931,245.78
12.75% * Gross Coupon *= 13.00% 481 6.13 12.947 217.42 2.39 71.34 $350,000 $14,613,702.45
13.00% * Gross Coupon *= 13.25% 186 2.14 13.190 210.98 2.21 72.06 $132,000 $5,111,950.56
13.25% * Gross Coupon *= 13.50% 270 2.97 13.445 209.96 1.85 73.83 $233,100 $7,093,499.52
13.50% * Gross Coupon *= 13.75% 178 1.98 13.695 206.37 2.18 74.60 $145,869 $4,723,417.35
13.75% * Gross Coupon *= 14.00% 189 2.14 13.959 212.03 1.89 69.99 $126,000 $5,102,293.33
14.00% * Gross Coupon *= 14.25% 66 .75 14.187 226.88 2.40 75.39 $87,207 $1,798,770.96
14.25% * Gross Coupon *= 14.50% 85 .85 14.456 212.00 1.75 69.85 $156,599 $2,032,209.23
14.50% * Gross Coupon *= 14.75% 29 .46 14.703 265.56 9.21 68.44 $135,000 $1,098,925.15
14.75% * Gross Coupon *= 15.00% 43 .39 14.964 201.95 1.87 67.75 $55,167 $924,069.50
15.00% * Gross Coupon *= 15.25% 9 .12 15.196 300.89 2.20 69.96 $90,000 $294,864.35
15.25% * Gross Coupon *= 15.50% 8 .10 15.449 230.28 3.64 68.38 $43,389 $233,377.91
15.50% * Gross Coupon *= 15.75% 2 .01 15.748 152.66 3.71 58.29 $26,200 $34,755.82
15.75% * Gross Coupon *= 16.00% 2 .04 15.982 176.76 3.24 55.61 $67,800 $83,776.40
- -------------------------------------------------------------------------------------------------------------------
Total..... 5,242 100.00% 11.503 260.48 2.16 71.81 $540,000 $238,554,528.95
===================================================================================================================
* = Less than
</TABLE>
<TABLE>
<CAPTION>
ORIGINAL MATURITY
(Balloon Loans Shown to Balloon Maturity)
- -------------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
Original # % Rem WA Orig Loan Current
Maturity Loan Pool WAC Term Age CLTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
20 * Original Maturity *= 30 1 .00 11.550 23.00 1.00 62.57 $6,200 $6,200.00
30 * Original Maturity *= 40 3 .01 12.206 33.02 2.98 46.10 $12,000 $29,299.46
40 * Original Maturity *= 50 2 .01 12.871 46.78 1.22 73.28 $10,000 $16,133.52
50 * Original Maturity *= 60 184 1.03 12.212 58.72 1.28 63.83 $87,000 $2,463,013.90
70 * Original Maturity *= 80 13 .13 11.414 70.56 1.44 58.55 $77,600 $306,384.77
80 * Original Maturity *= 90 84 .68 12.264 82.79 1.21 60.26 $142,400 $1,623,333.99
90 * Original Maturity *= 100 11 .10 11.161 94.71 1.29 54.20 $60,400 $249,205.52
100 * Original Maturity *= 110 1 .00 5.000 30.00 74.00 70.18 $13,785 $11,172.76
110 * Original Maturity *= 120 754 6.65 12.307 118.70 1.30 65.49 $158,400 $15,861,531.08
130 * Original Maturity *= 140 2 .02 12.660 128.06 3.94 77.69 $35,000 $53,365.26
140 * Original Maturity *= 150 12 .16 11.304 142.98 2.40 74.02 $89,250 $387,833.16
150 * Original Maturity *= 160 1 .02 12.050 155.00 1.00 79.29 $55,000 $54,735.78
160 * Original Maturity *= 170 1 .01 13.500 166.00 2.00 80.23 $27,200 $27,144.86
170 * Original Maturity *= 180 2,235 38.77 11.801 177.30 2.70 72.00 $351,325 $92,498,020.53
190 * Original Maturity *= 200 1 .02 10.990 191.00 1.00 62.69 $42,000 $42,000.00
200 * Original Maturity *= 210 1 .01 14.500 203.00 1.00 70.17 $14,800 $14,800.00
210 * Original Maturity *= 220 3 .08 10.121 212.95 3.05 78.55 $94,000 $188,198.08
230 * Original Maturity *= 240 425 7.63 11.606 238.22 1.78 73.34 $277,400 $18,212,412.57
280 * Original Maturity *= 290 3 .07 11.442 284.66 1.50 75.40 $89,600 $177,715.85
290 * Original Maturity *= 300 192 3.25 12.283 298.51 1.49 70.87 $132,000 $7,743,862.13
330 * Original Maturity *= 340 1 .03 10.250 335.00 1.00 69.77 $60,000 $60,000.00
340 * Original Maturity *= 350 2 .06 11.641 347.00 1.00 68.36 $79,200 $144,200.00
350 * Original Maturity *= 360 1,189 36.33 10.994 358.24 1.76 73.04 $540,000 $86,672,910.11
470 * Original Maturity *= 480 121 4.91 10.927 476.71 3.29 71.80 $381,250 $11,711,055.62
- -------------------------------------------------------------------------------------------------------------------
Total..... 5,242 100.00% 11.503 260.48 2.16 71.81 $540,000 $238,554,528.95
===================================================================================================================
* = Less than
</TABLE>
THIS PAGE MUST BE ACCOMPANIED BY A DISCLAIMER. IF YOU DID NOT RECEIVE SUCH A
DISCLAIMER, PLEASE CONTACT YOUR PRUDENTIAL SECURITIES INCORPORATED FINANCIAL
ADVISOR IMMEDIATELY.
<PAGE>
<TABLE>
<CAPTION>
REMAINING TERM
(Balloon Loans Shown to Balloon Maturity)
(Rem Term Calculated From Scheduled Balance Date)
- -------------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
# % Rem WA Orig Loan Current
Remaining Term Loan Pool WAC Term Age CLTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
12 * Rem Term *= 24 1 .00 11.550 23.00 1.00 62.57 $6,200 $6,200.00
24 * Rem Term *= 36 4 .02 10.217 32.19 22.59 52.75 $13,785 $40,472.22
36 * Rem Term *= 48 2 .01 12.871 46.78 1.22 73.28 $10,000 $16,133.52
48 * Rem Term *= 60 184 1.03 12.212 58.72 1.28 63.83 $87,000 $2,463,013.90
60 * Rem Term *= 72 14 .13 11.532 70.60 1.73 59.42 $77,600 $314,940.59
72 * Rem Term *= 84 85 .71 12.365 82.61 5.98 59.78 $142,400 $1,695,862.72
84 * Rem Term *= 96 13 .12 10.820 93.84 13.26 57.74 $60,400 $287,166.33
108 * Rem Term *= 120 754 6.65 12.307 118.70 1.30 65.49 $158,400 $15,861,531.08
120 * Rem Term *= 132 2 .02 12.660 128.06 3.94 77.69 $35,000 $53,365.26
132 * Rem Term *= 144 11 .13 11.993 142.37 1.63 70.74 $50,400 $298,780.75
144 * Rem Term *= 156 2 .06 10.155 148.81 3.48 82.83 $89,250 $143,788.19
156 * Rem Term *= 168 6 .30 10.731 165.32 14.23 75.81 $236,856 $711,373.50
168 * Rem Term *= 180 2,226 38.44 11.809 177.52 2.48 71.99 $351,325 $91,694,746.53
180 * Rem Term *= 192 1 .02 10.990 191.00 1.00 62.69 $42,000 $42,000.00
192 * Rem Term *= 204 1 .01 14.500 203.00 1.00 70.17 $14,800 $14,800.00
204 * Rem Term *= 216 3 .08 10.121 212.95 3.05 78.55 $94,000 $188,198.08
228 * Rem Term *= 240 425 7.63 11.606 238.22 1.78 73.34 $277,400 $18,212,412.57
264 * Rem Term *= 276 1 .03 9.000 274.00 26.00 79.38 $62,604 $61,756.45
276 * Rem Term *= 288 3 .07 11.442 284.66 1.50 75.40 $89,600 $177,715.85
288 * Rem Term *= 300 191 3.22 12.309 298.71 1.29 70.80 $132,000 $7,682,105.68
324 * Rem Term *= 336 1 .03 10.250 335.00 1.00 69.77 $60,000 $60,000.00
336 * Rem Term *= 348 7 .32 10.305 346.85 10.86 69.51 $188,000 $756,329.97
348 * Rem Term *= 360 1,184 36.08 11.001 358.32 1.68 73.06 $540,000 $86,060,780.14
Rem Term * 360 121 4.91 10.927 476.71 3.29 71.80 $381,250 $11,711,055.62
- -------------------------------------------------------------------------------------------------------------------
Total..... 5,242 100.00% 11.503 260.48 2.16 71.81 $540,000 $238,554,528.95
===================================================================================================================
*= Less than
LOAN AGE IN MONTHS
(Age Calculated From Scheduled Balance Date)
- -------------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
# % Rem WA Orig Loan Current
Age of Loan Loan Pool WAC Term Age CLTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
0 = Age 506 8.01 11.778 262.56 .00 69.25 $325,000 $19,116,265.12
0 Age *= 12 4,721 91.41 11.486 260.51 2.22 72.04 $540,000 $218,066,335.58
12 * Age *= 24 9 .49 10.356 241.44 14.19 71.18 $236,856 $1,179,953.68
24 * Age *= 36 1 .03 9.000 274.00 26.00 79.38 $62,604 $61,756.45
72 * Age *= 84 1 .00 5.000 30.00 74.00 70.18 $13,785 $11,172.76
84 * Age *= 96 2 .02 8.580 88.16 91.84 81.01 $25,558 $37,960.81
96 * Age *= 108 2 .03 14.750 77.95 102.05 53.34 $87,000 $81,084.55
- -------------------------------------------------------------------------------------------------------------------
Total..... 5,242 100.00% 11.503 260.48 2.16 71.81 $540,000 $238,554,528.95
===================================================================================================================
*=Less than
ORIGINATION YEAR
- ------------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
Year of # % Rem WA Orig Loan Current
Origination Loan Pool WAC Term Age CLTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
1988 1 .03 14.750 77.00 103.00 38.80 $87,000 $61,826.13
1989 3 .02 10.657 85.75 94.25 87.40 $25,558 $57,219.23
1991 1 .00 5.000 30.00 74.00 70.18 $13,785 $11,172.76
1995 2 .03 9.434 249.77 24.04 73.62 $62,604 $79,001.73
1996 320 9.48 11.633 256.08 7.29 77.90 $351,325 $22,621,561.30
1997 4,915 90.43 11.490 261.06 1.55 71.17 $540,000 $215,723,747.80
- -------------------------------------------------------------------------------------------------------------------
Total..... 5,242 100.00% 11.503 260.48 2.16 71.81 $540,000 $238,554,528.95
===================================================================================================================
THIS PAGE MUST BE ACCOMPANIED BY A DISCLAIMER. IF YOU DID NOT RECEIVE SUCH
A DISCLAIMER, PLEASE CONTACT YOUR PRUDENTIAL SECURITIES INCORPORATED FINANCIAL
ADVISOR IMMEDIATELY.
COMBINED LTV RANGE
- -------------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
CLTV # % Rem WA Orig Loan Current
RANGE Loan Pool WAC Term Age CLTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
0.000 * CLTV *= 5.000 2 .01 11.402 72.54 1.45 4.50 $12,000 $21,911.54
5.000 * CLTV *= 10.000 10 .06 12.631 172.62 1.00 7.72 $39,500 $146,722.88
10.000 * CLTV *= 15.000 45 .34 11.837 163.01 1.07 13.38 $46,000 $808,999.54
15.000 * CLTV *= 20.000 51 .45 12.051 180.34 1.40 17.78 $52,700 $1,064,959.44
20.000 * CLTV *= 25.000 64 .64 12.071 191.75 .96 22.89 $80,000 $1,533,644.23
25.000 * CLTV *= 30.000 61 .73 11.700 230.42 1.26 27.84 $175,000 $1,729,918.96
30.000 * CLTV *= 35.000 78 1.11 11.412 248.18 1.70 32.90 $410,000 $2,649,347.88
35.000 * CLTV *= 40.000 128 1.88 11.561 247.37 2.50 37.54 $350,000 $4,478,832.05
40.000 * CLTV *= 45.000 118 2.00 11.335 246.85 2.00 42.79 $188,000 $4,759,397.70
45.000 * CLTV *= 50.000 159 2.52 11.654 248.50 1.79 47.78 $249,500 $6,006,839.17
50.000 * CLTV *= 55.000 165 2.74 11.507 243.71 1.63 52.74 $192,400 $6,538,269.98
55.000 * CLTV *= 60.000 227 3.95 11.700 240.90 1.83 58.03 $189,000 $9,427,833.47
60.000 * CLTV *= 65.000 394 8.57 11.797 262.28 2.47 63.62 $350,000 $20,453,611.07
65.000 * CLTV *= 70.000 510 9.40 11.562 256.22 1.95 68.55 $325,000 $22,418,515.52
70.000 * CLTV *= 75.000 596 12.55 11.404 261.19 2.07 73.34 $345,000 $29,932,568.93
75.000 * CLTV *= 80.000 1,660 35.77 11.212 282.31 1.89 79.22 $540,000 $85,323,005.62
80.000 * CLTV *= 85.000 376 6.82 11.574 236.18 2.24 82.41 $381,250 $16,266,046.07
85.000 * CLTV *= 90.000 516 9.31 12.056 238.94 3.47 89.47 $306,000 $22,212,840.84
90.000 * CLTV *= 95.000 66 .90 12.613 224.13 3.32 90.92 $127,620 $2,139,858.58
95.000 * CLTV *= 100.000 16 .27 12.264 240.67 9.20 98.49 $106,951 $641,405.48
- -------------------------------------------------------------------------------------------------------------------
Total..... 5,242 100.00% 11.503 260.48 2.16 71.81 $540,000 $238,554,528.95
===================================================================================================================
*=Less than
ORIGINAL MORTGAGE AMOUNT
- -------------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
Original # % Rem WA Orig Loan Current
Mortgage Amt. Loan Pool WAC Term Age CLTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
0 * Balance *= 25,000 1,863 12.91 12.656 166.31 1.71 67.61 $25,000 $30,808,672.97
25,000 * Balance *= 50,000 1,794 26.93 12.027 228.24 1.65 69.38 $50,000 $64,252,137.26
50,000 * Balance *= 75,000 801 20.43 11.335 277.92 1.83 71.83 $75,000 $48,727,364.06
75,000 * Balance *= 100,000 336 12.27 10.943 301.11 2.58 74.19 $100,000 $29,267,523.50
100,000 * Balance *= 150,000 298 14.74 10.992 296.51 2.75 75.80 $150,000 $35,168,102.79
150,000 * Balance *= 207,000 109 7.92 10.679 313.31 2.98 74.90 $207,000 $18,902,608.60
207,000 * Balance *= 250,000 18 1.72 10.611 311.16 4.08 76.73 $249,999 $4,114,898.18
250,000 * Balance *= 300,000 11 1.26 10.464 341.19 2.81 73.92 $296,200 $3,008,041.39
300,000 * Balance *= 350,000 8 1.10 10.559 288.57 2.27 69.86 $350,000 $2,624,378.30
350,000 * Balance *= 400,000 2 .31 10.698 330.92 5.35 79.28 $381,250 $731,777.96
400,000 * Balance *= 450,000 1 .17 10.250 356.00 4.00 34.17 $410,000 $409,479.76
500,000 * Balance *= 600,000 1 .23 10.240 358.00 2.00 80.00 $540,000 $539,544.18
- -------------------------------------------------------------------------------------------------------------------
Total..... 5,242 100.00% 11.503 260.48 2.16 71.81 $540,000 $238,554,528.95
===================================================================================================================
*=Less than
</TABLE>
THIS PAGE MUST BE ACCOMPANIED BY A DISCLAIMER. IF YOU DID NOT RECEIVE SUCH
A DISCLAIMER, PLEASE CONTACT YOUR PRUDENTIAL SECURITIES INCORPORATED FINANCIAL
ADVISOR IMMEDIATELY.
<PAGE>
<TABLE>
<CAPTION>
CURRENT MORTGAGE AMOUNT
- -------------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
Current # % Rem WA Orig Loan Current
Mortgage Amt. Loan Pool WAC Term Age CLTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
0 * Balance *= 25,000 1,868 12.95 12.654 166.22 1.79 67.64 $39,558 $30,903,264.15
25,000 * Balance *= 50,000 1,791 26.93 12.027 228.43 1.61 69.36 $50,500 $64,253,277.24
50,000 * Balance *= 75,000 800 20.41 11.338 277.69 1.96 71.79 $87,000 $48,693,459.03
75,000 * Balance *= 100,000 335 12.24 10.935 301.59 2.36 74.27 $100,000 $29,205,697.37
100,000 * Balance *= 150,000 298 14.74 10.992 296.51 2.75 75.80 $150,000 $35,168,102.79
150,000 * Balance *= 200,000 103 7.41 10.689 313.13 2.92 74.93 $200,000 $17,681,545.46
200,000 * Balance *= 250,000 24 2.24 10.593 312.24 4.02 76.21 $249,999 $5,335,961.32
250,000 * Balance *= 300,000 11 1.26 10.464 341.19 2.81 73.92 $296,200 $3,008,041.39
300,000 * Balance *= 350,000 8 1.10 10.559 288.57 2.27 69.86 $350,000 $2,624,378.30
350,000 * Balance *= 400,000 2 .31 10.698 330.92 5.35 79.28 $381,250 $731,777.96
400,000 * Balance *= 450,000 1 .17 10.250 356.00 4.00 34.17 $410,000 $409,479.76
500,000 * Balance *= 600,000 1 .23 10.240 358.00 2.00 80.00 $540,000 $539,544.18
- -------------------------------------------------------------------------------------------------------------------
Total..... 5,242 100.00% 11.503 260.48 2.16 71.81 $540,000 $238,554,528.95
===================================================================================================================
*=Less than
</TABLE>
<TABLE>
<CAPTION>
GEOGRAPHIC DISTRIBUTION
- ---------------------------------------------------------------------------------------------------------------------------------
Calc.
WA WA WA Min. Curr Max. Curr Total Avg.
# % Rem WA MIN MAX Orig Curr Loan Loan Current Curr
State Loans Pool WAC Term Age AGE AGE CLTV CLTV Amount Amount Balance Bal
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
AK 9 .18 11.345 284.51 1.36 .00 2.00 72.78 72.60 $9,900 $131,945 $437,119 $48,569
AR 38 .60 11.859 251.42 1.28 .00 2.00 73.10 73.03 $13,245 $144,932 $1,421,132 $37,398
AZ 72 1.20 11.640 250.63 1.49 .00 11.00 70.59 70.54 $5,235 $187,700 $2,870,960 $39,874
CA 302 8.19 11.224 336.61 2.26 .00 13.00 70.80 70.75 $3,973 $306,000 $19,544,784 $64,718
CO 141 2.41 11.502 258.99 2.33 .00 14.00 71.61 71.52 $7,000 $249,500 $5,760,302 $40,853
CT 55 1.20 11.236 255.09 2.84 .00 11.00 64.37 64.27 $13,000 $168,873 $2,862,318 $52,042
DC 18 .44 11.459 286.71 2.10 1.00 4.00 72.74 72.70 $10,100 $150,333 $1,041,380 $57,854
DE 32 .81 10.923 270.68 1.21 .00 5.00 73.52 73.43 $13,138 $149,288 $1,939,785 $60,618
FL 249 5.03 11.311 265.03 2.57 .00 10.00 74.03 73.95 $5,140 $350,577 $12,003,577 $48,207
GA 137 2.48 11.573 260.18 2.30 .00 11.00 73.75 73.67 $6,400 $222,896 $5,922,980 $43,233
HI 3 .18 9.083 241.99 14.65 14.00 17.00 56.09 54.46 $17,245 $234,657 $438,677 $146,226
IA 25 .36 11.772 277.59 1.40 .00 7.00 75.19 75.14 $8,000 $122,291 $854,365 $34,175
ID 47 .88 11.463 272.10 1.79 .00 10.00 70.84 70.57 $5,427 $195,000 $2,095,457 $44,584
IL 305 6.23 11.136 267.44 1.93 .00 12.00 72.24 72.16 $5,132 $277,034 $14,861,598 $48,727
IN 256 4.31 11.152 270.92 1.85 .00 14.00 73.97 73.88 $5,383 $183,100 $10,274,658 $40,135
KS 90 1.13 12.151 225.46 1.42 .00 7.00 74.37 74.25 $6,200 $104,100 $2,697,311 $29,970
KY 85 1.38 11.193 241.03 2.16 .00 10.00 73.50 73.34 $5,600 $142,303 $3,284,705 $38,644
LA 41 .57 12.076 245.09 2.64 .00 95.00 71.32 71.18 $5,500 $88,900 $1,367,026 $33,342
MA 110 2.75 11.336 243.81 3.20 .00 11.00 72.96 72.87 $6,500 $225,303 $6,553,282 $59,575
MD 62 1.50 11.148 277.62 2.40 .00 9.00 74.97 74.89 $7,850 $239,893 $3,587,538 $57,864
ME 62 .96 11.433 254.08 1.59 .00 3.00 68.82 68.72 $8,373 $161,904 $2,286,873 $36,885
MI 240 3.28 11.774 248.97 1.82 .00 99.00 69.66 69.51 $4,934 $275,346 $7,815,316 $32,564
MN 87 1.51 11.572 254.65 1.73 .00 10.00 74.42 74.36 $10,273 $325,000 $3,604,102 $41,426
MO 227 3.69 12.110 267.49 1.84 .00 10.00 73.47 73.38 $5,300 $200,286 $8,810,476 $38,813
MS 61 .81 12.397 214.30 2.57 .00 16.00 73.47 73.17 $6,000 $100,039 $1,923,197 $31,528
MT 29 .55 11.569 300.74 2.26 .00 6.00 67.74 67.61 $9,277 $197,954 $1,322,063 $45,588
NC 170 4.23 11.717 237.56 2.37 .00 11.00 77.10 77.03 $8,262 $539,544 $10,095,884 $59,388
ND 5 .05 12.508 243.80 1.00 1.00 1.00 75.91 75.85 $11,900 $55,984 $122,418 $24,484
NE 47 .55 12.493 209.17 1.14 .00 6.00 71.81 71.74 $6,900 $79,600 $1,318,087 $28,044
NH 32 .74 11.626 257.97 1.23 .00 3.00 71.49 71.43 $7,221 $247,244 $1,760,681 $55,021
NJ 188 4.34 11.311 256.19 3.04 .00 103.00 68.30 68.18 $4,930 $272,366 $10,364,334 $55,129
NM 75 1.35 11.718 249.87 1.36 .00 7.00 70.65 70.57 $8,300 $115,200 $3,211,714 $42,823
NV 53 .90 11.111 295.54 1.57 .00 10.00 72.51 72.44 $7,000 $172,710 $2,157,272 $40,703
NY 331 8.47 11.477 248.12 2.42 .00 14.00 65.97 65.89 $5,800 $350,000 $20,198,339 $61,022
OH 332 5.92 11.572 262.42 1.83 .00 10.00 73.04 72.95 $5,100 $409,480 $14,125,571 $42,547
OK 62 .69 12.359 214.13 1.45 .00 7.00 73.65 73.55 $6,600 $95,182 $1,649,556 $26,606
OR 57 .85 11.939 209.32 2.56 .00 9.00 71.29 71.23 $5,931 $185,458 $2,019,806 $35,435
PA 327 5.20 11.666 234.99 1.66 .00 10.00 71.84 71.73 $5,000 $219,873 $12,393,991 $37,902
RI 28 .57 11.203 196.08 2.24 .00 4.00 63.14 62.83 $3,884 $273,281 $1,370,554 $48,948
SC 110 2.12 11.818 226.10 2.33 .00 12.00 76.55 76.46 $5,367 $161,951 $5,060,881 $46,008
SD 7 .07 12.432 223.12 1.29 .00 2.00 66.97 66.96 $16,000 $66,379 $176,729 $25,247
TN 89 1.59 11.621 213.58 1.82 .00 7.00 75.04 74.99 $6,100 $158,309 $3,801,458 $42,713
TX 45 .69 11.522 265.00 4.22 .00 90.00 69.81 69.54 $8,175 $193,358 $1,654,774 $36,773
UT 54 1.00 11.627 252.04 2.28 .00 7.00 73.49 73.37 $9,896 $315,338 $2,379,617 $44,067
VA 73 1.31 11.562 256.73 1.74 .00 6.00 71.93 71.84 $8,800 $166,923 $3,119,825 $42,737
VT 10 .21 10.699 269.25 2.09 .00 5.00 70.02 69.77 $7,500 $140,737 $508,456 $50,846
WA 215 4.26 11.475 274.54 2.03 .00 11.00 71.83 71.76 $7,420 $179,943 $10,158,298 $47,248
WI 103 1.48 12.056 243.51 2.17 .00 11.00 73.48 73.35 $5,700 $110,702 $3,540,962 $34,378
WV 36 .53 11.474 217.65 1.28 .00 3.00 72.56 72.45 $5,239 $105,166 $1,262,549 $35,071
WY 10 .22 11.507 293.10 1.12 .00 3.00 75.10 75.07 $20,590 $112,458 $521,792 $52,179
- -----------------------------------------------------------------------------------------------------------------------------------
Total.. 5,242 100.00% 11.503 260.48 2.16 .00 103.00 71.81 71.71 $3,884 $539,544 $238,554,529 $45,508
===================================================================================================================================
</TABLE>
THIS PAGE MUST BE ACCOMPANIED BY A DISCLAIMER. IF YOU DID NOT RECEIVE SUCH
A DISCLAIMER, PLEASE CONTACT YOUR PRUDENTIAL SECURITIES INCORPORATED FINANCIAL
ADVISOR IMMEDIATELY.
<PAGE>
<TABLE>
<CAPTION>
PROPERTY-TYPE
- ------------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
# % Rem WA Orig Loan Current
Loan Pool WAC Term Age CLTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
Single Family Detached 4,745 86.54 11.516 260.80 1.94 72.42 $540,000 $206,440,515.95
Single Family Attached 61 1.15 11.398 285.04 2.02 72.81 $306,000 $2,731,791.39
3-4 Family 81 2.77 11.295 254.17 3.42 72.03 $232,000 $6,616,204.50
2 Family 214 4.67 11.311 264.69 2.66 66.09 $188,000 $11,141,424.46
Deminimus PUD 1 .10 8.500 165.00 15.00 67.71 $236,856 $234,656.70
PUD 18 .72 11.065 240.69 5.48 76.62 $351,325 $1,725,939.98
Townhouses 34 .66 11.240 238.41 2.29 77.37 $220,277 $1,568,113.70
Unknown 88 3.39 11.868 254.70 4.80 61.64 $350,000 $8,095,882.27
- -------------------------------------------------------------------------------------------------------------------
Total..... 5,242 100.00% 11.503 260.48 2.16 71.81 $540,000 $238,554,528.95
===================================================================================================================
OCCUPANCY
- ------------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
# % Rem WA Orig Loan Current
Loan Pool WAC Term Age CLTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
Owner Occ. 4,935 92.99 11.511 260.77 2.09 72.32 $540,000 $221,826,089.83
Investor 266 6.22 11.429 260.43 2.62 65.11 $350,000 $14,830,940.12
Vacation/Second Home 40 .77 11.071 231.73 3.20 64.71 $236,856 $1,835,672.87
Unknown 1 .03 14.750 77.00 103.00 38.80 $87,000 $61,826.13
- -------------------------------------------------------------------------------------------------------------------
Total..... 5,242 100.00% 11.503 260.48 2.16 71.81 $540,000 $238,554,528.95
===================================================================================================================
DOCUMENTATION LEVEL
- ------------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
# % Rem WA Orig Loan Current
Loan Pool WAC Term Age CLTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
Full Documentation 5,241 99.91 11.504 260.56 2.15 71.81 $540,000 $238,349,750.28
Unknown 1 .09 10.750 166.00 14.00 75.00 $206,250 $204,778.67
- -------------------------------------------------------------------------------------------------------------------
Total..... 5,242 100.00% 11.503 260.48 2.16 71.81 $540,000 $238,554,528.95
===================================================================================================================
LOAN-PURPOSE
- ------------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
# % Rem WA Orig Principal Current
Loan Pool WAC Term Age CLTV Balance Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
Purchase 193 6.94 11.550 265.58 4.34 80.41 $540,000 $16,556,627.40
Refinance/No ETO 2,359 62.69 11.149 287.76 2.11 73.03 $410,000 $149,541,921.68
Refinance/ETO 1,076 11.32 12.153 208.73 1.63 62.95 $132,000 $27,013,787.76
Construction 9 .12 12.871 189.60 4.26 84.28 $46,820 $285,846.47
Home Improvement 9 .09 12.635 207.79 3.51 66.98 $44,980 $213,524.70
Debt Consolidation 1,595 18.81 12.256 199.82 1.65 69.89 $350,000 $44,880,994.81
Unknown 1 .03 14.750 77.00 103.00 38.80 $87,000 $61,826.13
- -------------------------------------------------------------------------------------------------------------------
Total..... 5,242 100.00% 11.503 260.48 2.16 71.81 $540,000 $238,554,528.95
===================================================================================================================
</TABLE>
THIS PAGE MUST BE ACCOMPANIED BY A DISCLAIMER. IF YOU DID NOT RECEIVE SUCH
A DISCLAIMER, PLEASE CONTACT YOUR PRUDENTIAL SECURITIES INCORPORATED FINANCIAL
ADVISOR IMMEDIATELY.
<PAGE>
<TABLE>
<CAPTION>
LOAN GRADE
- --------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
# % Rem WA Orig Loan Current
Loan Grade Loan Pool WAC Term Age CLTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
A 987 21.41 11.014 273.19 2.15 72.71 $540,000 $51,075,023.89
A- 1,482 30.22 11.231 253.56 2.35 73.38 $381,250 $72,088,908.50
B+ 924 17.31 11.526 242.33 2.17 73.03 $350,000 $41,290,288.58
B 1,162 20.10 11.868 269.39 2.00 71.16 $351,325 $47,948,477.29
B- 478 7.94 12.266 272.40 1.88 66.16 $296,200 $18,932,700.56
C+ 27 .36 12.581 245.00 1.43 68.01 $117,500 $859,493.60
C 176 2.55 13.168 251.61 1.92 60.83 $195,000 $6,093,611.96
C- 6 .11 13.835 313.89 1.11 64.95 $110,550 $266,024.57
- --------------------------------------------------------------------------------------------------------------
Total..... 5,242 100.00% 11.503 260.48 2.16 71.81 $540,000 $238,554,528.95
==============================================================================================================
LIEN STATUS
- --------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
# % Rem WA Orig Loan Current
Lien Status Loan Pool WAC Term Age CLTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
1 3,192 78.13 11.214 280.22 2.22 70.87 $540,000 $186,374,911.33
2 2,050 21.87 12.537 189.99 1.92 75.17 $140,000 $52,179,617.62
- --------------------------------------------------------------------------------------------------------------
Total..... 5,242 100.00% 11.503 260.48 2.16 71.81 $540,000 $238,554,528.95
==============================================================================================================
BALLOON LOANS
- ------------------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
# % Rem WA Orig Loan Current
BALLOON CODE Loan Pool WAC Term Age LTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
No 4,831 87.13 11.480 273.16 1.80 70.92 $540,000 $207,858,568.78
Yes 411 12.87 11.657 174.63 4.57 77.79 $351,325 $30,695,960.17
- -------------------------------------------------------------------------------------------------------------------
Total..... 5,242 100.00% 11.503 260.48 2.16 71.81 $540,000 $238,554,528.95
===================================================================================================================
STEP RATE LOAN
- -------------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
# % Rem WA Orig Loan Current
STEP RATE LOAN Loan Pool WAC Term Age CLTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
NO 5,176 99.11 11.492 260.73 2.16 71.88 $540,000 $236,422,608.74
YES 66 .89 12.706 233.23 1.62 63.99 $130,900 $2,131,920.21
- -------------------------------------------------------------------------------------------------------------------
Total..... 5,242 100.00% 11.503 260.48 2.16 71.81 $540,000 $238,554,528.95
===================================================================================================================
* Step rate loans step down .50% at the end of each of the first three years
if performance standards are met by the borrower.
</TABLE>
THIS PAGE MUST BE ACCOMPANIED BY A DISCLAIMER. IF YOU DID NOT RECEIVE SUCH
A DISCLAIMER, PLEASE CONTACT YOUR PRUDENTIAL SECURITIES INCORPORATED FINANCIAL
ADVISOR IMMEDIATELY.
<PAGE>
<TABLE>
<CAPTION>
ORIGINAL FICO RANGE
- -------------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
# % Rem WA Orig Loan Current
FICO Loan Pool WAC Term Age CLTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
350 * FICO *= 375 1 .02 11.500 359.00 1.00 68.18 $36,300 $36,300.00
400 * FICO *= 425 1 .01 14.500 174.00 6.00 80.00 $18,049 $17,941.18
425 * FICO *= 450 9 .18 11.463 331.32 2.29 77.68 $104,000 $418,879.52
450 * FICO *= 475 38 .71 12.064 234.72 3.81 71.90 $351,325 $1,697,321.94
475 * FICO *= 500 126 1.97 12.095 271.39 1.51 71.11 $325,000 $4,693,584.08
500 * FICO *= 525 377 6.54 12.020 273.59 1.84 72.51 $247,300 $15,605,829.18
525 * FICO *= 550 554 9.93 12.018 267.62 1.74 70.22 $296,200 $23,696,430.72
550 * FICO *= 575 643 11.49 11.721 265.19 1.90 72.44 $316,500 $27,415,557.33
575 * FICO *= 600 656 12.34 11.554 260.82 2.30 72.40 $540,000 $29,442,704.96
600 * FICO *= 625 613 11.85 11.399 258.33 2.36 73.09 $306,000 $28,257,743.75
625 * FICO *= 650 616 11.43 11.452 255.85 1.98 72.91 $275,475 $27,278,090.55
650 * FICO *= 675 538 11.69 11.157 264.50 2.06 71.86 $410,000 $27,879,738.41
675 * FICO *= 700 321 6.62 11.126 258.25 1.78 71.43 $345,000 $15,802,024.90
700 * FICO *= 725 185 3.42 11.090 254.81 2.21 70.96 $240,000 $8,160,130.28
725 * FICO *= 750 112 2.29 10.953 260.44 2.21 67.71 $350,000 $5,459,242.61
750 * FICO *= 800 102 2.19 10.794 250.86 2.29 67.24 $194,323 $5,228,995.76
800 * FICO *= 850 4 .05 11.016 280.01 1.00 46.37 $65,000 $124,576.82
NO FICO SCORE AVAILABLE 346 7.27 11.424 240.47 3.52 71.07 $350,000 $17,339,436.96
- -------------------------------------------------------------------------------------------------------------------
Total..... 5,242 100.00% 11.503 260.48 2.16 71.81 $540,000 $238,554,528.95
===================================================================================================================
*=Less than
ORIGINAL DTI RANGE
- -------------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
# % Rem WA Orig Loan Current
DTI RANGE Loan Pool WAC Term Age CLTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
0.000 * DTI *= 10.000 53 .78 12.011 256.95 3.17 61.40 $169,000 $1,859,076.39
10.000 * DTI *= 20.000 580 7.59 11.827 226.87 1.62 66.00 $277,400 $18,096,711.70
20.000 * DTI *= 30.000 1,393 23.55 11.535 245.96 1.85 69.22 $410,000 $56,171,957.95
30.000 * DTI *= 40.000 1,664 31.59 11.559 257.42 2.16 73.28 $350,000 $75,359,681.92
40.000 * DTI *= 50.000 1,287 29.28 11.372 276.51 2.42 73.87 $381,250 $69,843,954.86
50.000 * DTI *= 60.000 239 6.53 11.301 294.01 2.30 72.98 $540,000 $15,581,849.66
60.000 * DTI *= 70.000 21 .62 11.187 276.79 4.74 71.45 $198,224 $1,486,919.73
70.000 * DTI *= 80.000 3 .04 11.819 268.15 .82 56.92 $42,700 $98,600.00
NO DTI RATIO AVAILABLE 2 .02 11.676 169.73 1.43 51.43 $32,000 $55,776.74
- -------------------------------------------------------------------------------------------------------------------
Total..... 5,242 100.00% 11.503 260.48 2.16 71.81 $540,000 $238,554,528.95
===================================================================================================================
</TABLE>
THIS PAGE MUST BE ACCOMPANIED BY A DISCLAIMER. IF YOU DID NOT RECEIVE SUCH
A DISCLAIMER, PLEASE CONTACT YOUR PRUDENTIAL SECURITIES INCORPORATED FINANCIAL
ADVISOR IMMEDIATELY.
<PAGE>
<TABLE>
<CAPTION>
ACTUAL NEXT PAYMENT DUE DATE
- -------------------------------------------------------------------------------------------------------------------
Next WA WA Max. Orig Total
Due # % Rem WA Orig Loan Current
Date Loan Pool WAC Term Age LTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
04/04/97 1 .05 13.500 177.00 3.00 66.67 $110,000 $110,000.00
04/06/97 1 .03 10.400 211.00 5.00 80.00 $66,000 $65,946.17
04/13/97 2 .02 13.645 154.80 6.00 90.03 $27,758 $52,036.20
04/15/97 2 .03 13.610 254.81 3.00 63.61 $35,000 $61,650.00
04/18/97 4 .03 13.060 203.77 6.00 89.84 $24,681 $77,801.96
04/19/97 1 .02 12.530 236.00 4.00 86.34 $49,930 $49,930.18
04/22/97 2 .03 13.842 174.34 5.66 86.72 $39,975 $59,847.76
04/23/97 3 .05 12.664 175.00 5.00 80.39 $71,963 $112,487.96
04/24/97 2 .03 11.043 323.49 5.13 90.00 $65,675 $75,525.97
04/26/97 3 .03 14.129 200.43 5.59 80.93 $43,389 $75,145.51
04/27/97 3 .03 12.935 186.48 5.40 89.11 $44,927 $71,039.47
04/28/97 1 .01 11.450 176.00 4.00 89.95 $21,455 $21,454.67
04/30/97 2 .02 12.906 194.01 8.50 89.63 $32,049 $51,295.60
05/01/97 61 1.99 11.587 289.61 4.90 76.43 $249,999 $4,740,712.41
05/02/97 3 .07 11.625 322.28 7.50 77.52 $137,250 $175,207.37
05/03/97 5 .06 12.701 225.18 3.71 78.16 $37,210 $136,971.07
05/04/97 13 .19 12.890 175.82 3.82 83.03 $65,985 $455,011.15
05/05/97 5 .08 12.606 245.84 3.00 82.04 $67,836 $199,479.97
05/06/97 9 .14 13.229 196.07 4.95 81.03 $69,246 $344,067.37
05/07/97 3 .05 13.237 202.08 4.23 82.83 $47,426 $108,159.81
05/08/97 5 .20 11.715 177.90 2.10 64.06 $276,250 $488,208.84
05/09/97 5 .04 13.382 197.86 5.57 81.65 $38,335 $98,132.18
05/10/97 22 .24 12.273 182.98 3.94 82.46 $109,100 $577,161.56
05/11/97 8 .09 12.457 182.10 2.96 74.64 $63,800 $221,573.19
05/12/97 7 .08 12.460 172.17 3.53 85.88 $69,600 $179,990.27
05/13/97 7 .06 12.840 182.88 5.68 89.25 $32,142 $131,243.03
05/14/97 7 .09 12.996 184.62 3.06 86.02 $68,000 $218,602.81
05/15/97 53 .87 11.508 282.51 3.04 74.96 $124,000 $2,072,033.12
05/16/97 4 .05 12.475 196.84 5.63 86.25 $48,000 $127,852.36
05/17/97 13 .18 12.147 244.77 4.62 86.36 $150,400 $420,410.63
05/18/97 17 .27 12.630 195.66 4.02 82.97 $103,434 $643,315.98
05/19/97 10 .10 12.884 187.06 4.24 89.77 $45,119 $239,552.39
05/20/97 23 .46 12.618 287.21 3.10 78.26 $132,000 $1,086,176.73
05/21/97 14 .16 12.639 176.43 4.01 83.10 $58,620 $378,562.96
05/22/97 3 .03 13.028 160.89 3.29 77.79 $36,000 $62,592.04
05/23/97 11 .10 13.167 176.54 4.40 72.80 $44,675 $230,688.72
05/24/97 15 .21 12.457 257.58 3.39 83.58 $175,000 $494,071.57
05/25/97 29 .31 12.239 197.12 3.38 78.34 $55,200 $734,179.00
05/26/97 5 .05 12.830 153.16 6.13 86.64 $43,587 $131,162.92
05/27/97 3 .02 12.613 158.85 5.93 88.33 $28,230 $52,842.86
05/28/97 3 .04 13.709 199.04 4.00 88.70 $36,684 $89,968.38
05/29/97 2 .02 12.963 209.09 9.09 89.97 $36,685 $57,647.17
05/30/97 3 .02 13.189 185.91 6.00 89.35 $26,813 $50,172.63
06/01/97 1,202 28.47 11.257 285.41 2.69 72.80 $381,250 $67,925,002.73
06/02/97 15 .41 11.608 193.32 3.31 83.57 $151,091 $985,043.08
06/03/97 22 .66 11.849 226.84 3.41 72.92 $410,000 $1,567,873.25
06/04/97 12 .31 12.020 189.67 2.99 70.07 $195,000 $745,879.88
06/05/97 85 1.40 12.109 228.49 1.65 70.73 $273,500 $3,328,179.35
06/06/97 7 .25 12.644 193.14 4.59 70.31 $350,000 $587,700.68
06/07/97 21 .52 11.671 211.00 2.39 69.14 $202,000 $1,235,374.29
06/08/97 11 .15 11.278 239.24 2.22 74.11 $110,000 $367,313.15
06/09/97 9 .22 12.554 202.57 2.61 78.28 $100,000 $514,671.42
THIS PAGE MUST BE ACCOMPANIED BY A DISCLAIMER. IF YOU DID NOT RECEIVE SUCH
A DISCLAIMER, PLEASE CONTACT YOUR PRUDENTIAL SECURITIES INCORPORATED FINANCIAL
ADVISOR IMMEDIATELY.
ACTUAL NEXT PAYMENT DUE DATE
- -------------------------------------------------------------------------------------------------------------------
Next WA WA Max. Orig Total
Due # % Rem WA Orig Loan Current
Date Loan Pool WAC Term Age LTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
06/10/97 169 2.18 12.434 199.14 1.63 73.48 $113,900 $5,189,478.54
06/11/97 19 .51 11.642 179.98 2.83 78.13 $157,500 $1,223,014.28
06/12/97 4 .14 10.417 244.12 3.00 78.87 $110,000 $344,804.07
06/13/97 5 .19 10.406 217.13 3.26 70.00 $164,500 $445,234.80
06/14/97 14 .34 11.256 207.23 3.43 71.14 $189,000 $821,573.13
06/15/97 1,095 18.02 11.519 258.98 1.73 69.04 $345,000 $42,990,954.69
06/16/97 13 .34 11.163 179.46 2.19 74.03 $312,000 $816,262.47
06/17/97 11 .19 12.431 184.73 2.44 78.63 $68,760 $453,357.80
06/18/97 19 .47 11.668 231.54 2.52 71.85 $200,000 $1,123,857.36
06/19/97 6 .18 10.377 270.05 3.36 80.59 $139,500 $440,444.64
06/20/97 235 2.86 12.349 198.08 1.86 72.53 $176,500 $6,823,235.36
06/21/97 18 .45 11.332 182.20 3.04 74.87 $210,000 $1,075,265.82
06/22/97 10 .16 12.367 216.64 2.46 71.77 $71,000 $381,386.85
06/23/97 10 .17 12.375 249.07 3.78 74.78 $100,000 $393,914.15
06/24/97 16 .38 11.347 214.45 2.88 70.07 $126,000 $897,919.98
06/25/97 135 1.51 12.261 191.93 1.70 71.15 $112,000 $3,593,174.57
07/01/97 1,513 30.25 11.326 271.34 1.36 70.63 $540,000 $72,161,817.58
07/02/97 3 .15 12.057 179.00 1.00 61.41 $141,700 $367,451.40
07/03/97 3 .07 11.032 278.35 3.18 79.96 $83,000 $161,753.30
07/04/97 4 .10 12.144 252.81 2.00 71.81 $86,000 $242,684.67
07/05/97 49 .65 12.521 165.54 5.09 71.75 $105,000 $1,547,929.32
07/06/97 3 .08 10.226 171.87 4.06 80.67 $128,000 $189,924.81
07/07/97 2 .03 9.830 302.25 2.77 36.69 $50,000 $64,751.96
07/10/97 14 .18 12.091 215.37 1.54 78.61 $116,100 $434,014.11
07/12/97 1 .01 12.500 359.00 1.00 73.33 $17,600 $17,600.00
07/13/97 1 .04 11.990 177.00 3.00 75.00 $84,750 $84,701.14
07/15/97 57 .90 11.501 234.04 1.53 67.22 $136,100 $2,147,466.58
07/17/97 3 .03 13.300 175.87 4.13 66.71 $35,000 $82,636.68
07/20/97 1 .01 13.750 119.00 1.00 89.55 $15,500 $15,261.66
07/21/97 2 .03 10.153 314.75 3.54 64.39 $52,500 $68,208.85
07/25/97 1 .01 11.500 118.00 2.00 34.19 $16,000 $15,605.55
08/01/97 23 .33 11.062 242.84 2.81 67.13 $112,300 $781,192.89
08/10/97 1 .00 13.650 59.00 1.00 56.52 $10,600 $10,169.46
08/15/97 1 .01 13.150 119.00 1.00 79.98 $13,600 $13,181.66
09/26/97 1 .01 12.990 174.00 6.00 89.97 $23,137 $23,137.10
09/27/97 1 .01 11.350 233.00 7.00 73.53 $24,212 $24,211.95
- -------------------------------------------------------------------------------------------------------------------
Total..... 5,242 100.00% 11.503 260.48 2.16 71.81 $540,000 $238,554,528.95
===================================================================================================================
</TABLE>
THIS PAGE MUST BE ACCOMPANIED BY A DISCLAIMER. IF YOU DID NOT RECEIVE SUCH
A DISCLAIMER, PLEASE CONTACT YOUR PRUDENTIAL SECURITIES INCORPORATED FINANCIAL
ADVISOR IMMEDIATELY.
<PAGE>
- -------------------------------------------------------------------------------
- MONEY STORE 1997-B - Cut Off Date of Tape is 6/1/97 - FIXED RATE
MULTI-FAMILY COLLATERAL
- $9,993,236.83
- ------------------------------------------------------------------------------
Number of Mortgage Loans: 49
Lien Status: First Lien Loans : 100.00%
Aggregate Unpaid Principal Balance: $9,993,236.83
Aggregate Original Principal Balance: $10,007,550.00
Weighted Average Gross Coupon: 11.496%
Gross Coupon Range: 10.500% - 13.250%
- ------------------------------------------------------------------------------
Average Unpaid Principal Balance: $203,943.61
Average Original Principal Balance: $204,235.71
Maximum Unpaid Principal Balance: $700,000.00
Minimum Unpaid Principal Balance: $49,887.84
Maximum Original Principal Balance: $700,000.00
Minimum Original Principal Balance: $50,000.00
Weighted Avg. Stated Rem. Term (PTD to Mat Date): 331.796
Stated Rem Term Range: 171.000 - 360.000
Weighted Average Age (First Pay thru Paid Thru Date): 2.458
Age Range: 0.000 - 9.000
Weighted Average Original Term (to Mat Date): 334.253
Original Term Range: 180.000 - 360.000
Weighted Average Original LTV: 57.518
Original LTV Range: 23.000% - 70.000%
Weighted Average Debt Service Coverage Ratio: 1.704
Debt Service Coverage Ratio Range: 1.200 - 5.200
Weighted Average FICO Score: 725.440
FICO Score Range: 565.000 - 812.000
- ------------------------------------------------------------------------------
MAX ZIP CODE CONCENTRATION : 7.19% zip code = 44077 state = OH
EARLIEST FIRST PAYMENT DATE: 10/01/96
LATEST MATURITY DATE : 06/10/27
THIS PAGE MUST BE ACCOMPANIED BY A DISCLAIMER. IF YOU DID NOT RECEIVE SUCH
A DISCLAIMER, PLEASE CONTACT YOUR PRUDENTIAL SECURITIES INCORPORATED FINANCIAL
ADVISOR IMMEDIATELY.
<PAGE>
<TABLE>
<CAPTION>
GROSS COUPON
- -------------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
Gross # % Rem WA Orig Balance Current
Coupon Loan Pool WAC Term Age LTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
10.25% * Gross Coupon *= 10.50% 2 5.38 10.500 194.97 1.74 57.47 $487,500 $537,387.84
10.50% * Gross Coupon *= 10.75% 1 4.60 10.750 358.00 2.00 54.00 $460,000 $460,000.00
10.75% * Gross Coupon *= 11.00% 7 15.14 10.858 309.39 .85 58.08 $479,150 $1,513,145.38
11.00% * Gross Coupon *= 11.25% 6 14.07 11.188 336.12 2.25 60.19 $370,500 $1,406,507.05
11.25% * Gross Coupon *= 11.50% 11 20.08 11.485 356.66 3.34 62.49 $590,000 $2,006,669.79
11.50% * Gross Coupon *= 11.75% 6 11.57 11.727 320.88 2.51 44.83 $650,000 $1,155,945.20
11.75% * Gross Coupon *= 12.00% 10 17.99 11.859 345.64 2.40 58.33 $700,000 $1,797,523.56
12.00% * Gross Coupon *= 12.25% 1 1.02 12.050 352.00 8.00 65.00 $103,350 $102,222.69
12.25% * Gross Coupon *= 12.50% 3 5.83 12.467 355.97 4.03 58.16 $221,000 $582,943.89
13.00% * Gross Coupon *= 13.25% 2 4.31 13.250 357.27 2.73 55.50 $273,000 $430,891.43
- -------------------------------------------------------------------------------------------------------------------
Total..... 49 100.00% 11.496 331.80 2.46 57.52 $700,000 $9,993,236.83
===================================================================================================================
*=Less than
ORIGINAL MATURITY
- -------------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
Original # % Rem WA Orig Loan Current
Maturity Loan Pool WAC Term Age LTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
170 * Original Maturity *= 180 9 14.30 11.035 177.90 2.10 55.44 $487,500 $1,429,418.66
350 * Original Maturity *= 360 40 85.70 11.573 357.48 2.52 57.86 $700,000 $8,563,818.17
- -------------------------------------------------------------------------------------------------------------------
Total..... 49 100.00% 11.496 331.80 2.46 57.52 $700,000 $9,993,236.83
===================================================================================================================
*=Less than
REMAINING TERM
(Rem Term Calculated From Scheduled Balance Date)
- -------------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
# % Rem WA Orig Loan Current
Remaining Term Loan Pool WAC Term Age LTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
168 * Rem Term *= 180 9 14.30 11.035 177.90 2.10 55.44 $487,500 $1,429,418.66
348 * Rem Term *= 360 40 85.70 11.573 357.48 2.52 57.86 $700,000 $8,563,818.17
- -------------------------------------------------------------------------------------------------------------------
Total..... 49 100.00% 11.496 331.80 2.46 57.52 $700,000 $9,993,236.83
===================================================================================================================
*=Less than
LOAN AGE IN MONTHS
(Age Calculated From Scheduled Balance Date)
- -------------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
# % Rem WA Orig Loan Current
Age of Loan Loan Pool WAC Term Age LTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
0 = Age 5 9.29 11.005 360.00 .00 59.15 $479,150 $928,350.00
0 * Age *= 12 44 90.71 11.546 328.91 2.71 57.35 $700,000 $9,064,886.83
- -------------------------------------------------------------------------------------------------------------------
Total..... 49 100.00% 11.496 331.80 2.46 57.52 $700,000 $9,993,236.83
===================================================================================================================
*=Less than
</TABLE>
THIS PAGE MUST BE ACCOMPANIED BY A DISCLAIMER. IF YOU DID NOT RECEIVE SUCH
A DISCLAIMER, PLEASE CONTACT YOUR PRUDENTIAL SECURITIES INCORPORATED FINANCIAL
ADVISOR IMMEDIATELY.
<PAGE>
<TABLE>
<CAPTION>
ORIGINATION YEAR
- ------------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
Year of # % Rem WA Orig Loan Current
Origination Loan Pool WAC Term Age LTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
1996 7 14.34 11.605 339.92 7.18 58.29 $590,000 $1,432,599.94
1997 42 85.66 11.478 330.44 1.67 57.39 $700,000 $8,560,636.89
- -------------------------------------------------------------------------------------------------------------------
Total..... 49 100.00% 11.496 331.80 2.46 57.52 $700,000 $9,993,236.83
===================================================================================================================
ORIGINAL LTV RANGE
- -------------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
LTV # % Rem WA Orig Loan Current
RANGE Loan Pool WAC Term Age LTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
20.000 * LTV *= 25.000 2 1.07 11.220 355.80 4.20 23.53 $57,000 $106,887.84
25.000 * LTV *= 30.000 2 1.60 11.531 261.76 2.40 29.47 $85,000 $159,643.15
30.000 * LTV *= 35.000 1 .68 11.850 360.00 .00 32.00 $68,000 $68,000.00
35.000 * LTV *= 40.000 4 5.01 11.137 328.38 1.44 36.87 $280,000 $500,991.95
40.000 * LTV *= 45.000 3 9.83 11.875 332.90 2.81 43.49 $650,000 $981,869.37
45.000 * LTV *= 50.000 2 2.91 12.564 357.37 2.63 46.91 $160,000 $290,891.43
50.000 * LTV *= 55.000 4 9.73 10.964 325.27 1.83 53.73 $460,000 $972,346.00
55.000 * LTV *= 60.000 4 15.27 11.630 327.70 4.40 59.08 $700,000 $1,525,828.06
60.000 * LTV *= 65.000 24 46.54 11.464 330.42 1.96 64.05 $487,500 $4,651,261.96
65.000 * LTV *= 70.000 3 7.36 11.443 357.47 2.53 68.37 $350,000 $735,517.07
- -------------------------------------------------------------------------------------------------------------------
Total..... 49 100.00% 11.496 331.80 2.46 57.52 $700,000 $9,993,236.83
===================================================================================================================
*=Less than
</TABLE>
THIS PAGE MUST BE ACCOMPANIED BY A DISCLAIMER. IF YOU DID NOT RECEIVE SUCH
A DISCLAIMER, PLEASE CONTACT YOUR PRUDENTIAL SECURITIES INCORPORATED FINANCIAL
ADVISOR IMMEDIATELY.
<PAGE>
<TABLE>
<CAPTION>
ORIGINAL MORTGAGE AMOUNT
- -------------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
Original # % Rem WA Orig Loan Current
Mortgage Amt. Loan Pool WAC Term Age LTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
25,000 * Balance *= 50,000 1 .50 10.500 351.00 9.00 23.00 $50,000 $49,887.84
50,000 * Balance *= 75,000 7 4.56 11.729 358.36 1.64 40.60 $75,000 $455,738.49
75,000 * Balance *= 100,000 5 4.46 11.264 290.30 1.43 50.10 $97,000 $445,552.15
100,000 * Balance *= 150,000 12 14.66 11.626 283.72 3.14 60.39 $150,000 $1,464,717.91
150,000 * Balance *= 207,000 7 12.07 12.005 330.42 3.06 58.19 $200,000 $1,206,561.87
207,000 * Balance *= 250,000 5 11.54 11.530 358.21 1.79 61.58 $250,000 $1,153,530.74
250,000 * Balance *= 300,000 3 8.22 11.729 357.36 2.64 54.15 $280,000 $821,115.56
300,000 * Balance *= 350,000 2 6.60 11.315 358.47 1.53 67.64 $350,000 $659,778.10
350,000 * Balance *= 400,000 1 3.71 11.250 359.00 1.00 65.00 $370,500 $370,500.00
450,000 * Balance *= 500,000 3 14.28 10.681 297.51 .99 60.09 $487,500 $1,426,650.00
500,000 * Balance *= 600,000 1 5.90 11.450 352.00 8.00 59.00 $590,000 $589,278.69
600,000 * Balance *= 750,000 2 13.51 11.802 358.00 2.00 51.46 $700,000 $1,349,925.48
- -------------------------------------------------------------------------------------------------------------------
Total..... 49 100.00% 11.496 331.80 2.46 57.52 $700,000 $9,993,236.83
===================================================================================================================
*=Less than
CURRENT MORTGAGE AMOUNT
- -------------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
Current # % Rem WA Orig Loan Current
Mortgage Amt. Loan Pool WAC Term Age LTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
25,000 * Balance *= 50,000 1 .50 10.500 351.00 9.00 23.00 $50,000 $49,887.84
50,000 * Balance *= 75,000 7 4.56 11.729 358.36 1.64 40.60 $75,000 $455,738.49
75,000 * Balance *= 100,000 5 4.46 11.264 290.30 1.43 50.10 $97,000 $445,552.15
100,000 * Balance *= 150,000 12 14.66 11.626 283.72 3.14 60.39 $150,000 $1,464,717.91
150,000 * Balance *= 200,000 7 12.07 12.005 330.42 3.06 58.19 $200,000 $1,206,561.87
200,000 * Balance *= 250,000 5 11.54 11.530 358.21 1.79 61.58 $250,000 $1,153,530.74
250,000 * Balance *= 300,000 3 8.22 11.729 357.36 2.64 54.15 $280,000 $821,115.56
300,000 * Balance *= 350,000 2 6.60 11.315 358.47 1.53 67.64 $350,000 $659,778.10
350,000 * Balance *= 400,000 1 3.71 11.250 359.00 1.00 65.00 $370,500 $370,500.00
450,000 * Balance *= 500,000 3 14.28 10.681 297.51 .99 60.09 $487,500 $1,426,650.00
500,000 * Balance *= 600,000 1 5.90 11.450 352.00 8.00 59.00 $590,000 $589,278.69
600,000 * Balance *= 750,000 2 13.51 11.802 358.00 2.00 51.46 $700,000 $1,349,925.48
- -------------------------------------------------------------------------------------------------------------------
Total..... 49 100.00% 11.496 331.80 2.46 57.52 $700,000 $9,993,236.83
===================================================================================================================
*=Less than
</TABLE>
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A DISCLAIMER, PLEASE CONTACT YOUR PRUDENTIAL SECURITIES INCORPORATED FINANCIAL
ADVISOR IMMEDIATELY.
<PAGE>
<TABLE>
<CAPTION>
GEOGRAPHIC DISTRIBUTION
- -----------------------------------------------------------------------------------------------------------------------------------
Calc.
WA WA WA Min. Curr Max. Curr Total Avg.
# % Rem WA MIN MAX Orig Curr Loan Loan Current Curr
State Loans Pool WAC Term Age AGE AGE LTV LTV Amount Amount Balance Bal
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
AZ 2 8.30 11.795 358.00 2.00 2.00 2.00 59.94 59.90 $129,573 $700,000 $829,573 $414,786
CA 16 22.32 11.435 333.93 2.28 .00 7.00 56.27 56.19 $57,000 $460,000 $2,230,668 $139,417
CT 1 2.00 12.500 354.00 6.00 6.00 6.00 45.00 44.87 $199,444 $199,444 $199,444 $199,444
DC 1 1.20 11.850 177.00 3.00 3.00 3.00 60.00 59.74 $119,478 $119,478 $119,478 $119,478
FL 1 2.16 11.500 359.00 1.00 1.00 1.00 61.00 60.90 $215,431 $215,431 $215,431 $215,431
GA 4 11.63 11.992 357.78 2.22 1.00 3.00 52.88 52.87 $128,519 $649,925 $1,161,945 $290,486
IL 1 1.33 11.750 359.00 1.00 1.00 1.00 48.00 48.00 $133,000 $133,000 $133,000 $133,000
MA 1 2.69 11.150 355.00 5.00 5.00 5.00 65.00 65.00 $269,000 $269,000 $269,000 $269,000
NJ 2 4.72 11.111 311.12 1.74 1.00 2.00 68.69 68.40 $123,500 $348,017 $471,517 $235,759
NV 1 1.54 11.500 359.00 1.00 1.00 1.00 65.00 64.97 $153,981 $153,981 $153,981 $153,981
NY 6 10.40 12.093 324.60 2.89 1.00 9.00 56.10 55.92 $49,888 $370,500 $1,038,913 $173,152
OH 4 10.94 11.040 359.66 .34 .00 1.00 65.00 64.98 $62,333 $479,150 $1,092,844 $273,211
PA 2 1.58 11.856 354.12 5.88 2.00 8.00 65.00 64.49 $55,876 $102,223 $158,099 $79,050
RI 1 .84 11.250 178.00 2.00 2.00 2.00 37.00 37.00 $83,990 $83,990 $83,990 $83,990
TX 5 17.04 10.993 304.79 3.68 1.00 8.00 55.37 55.33 $96,962 $589,279 $1,702,856 $340,571
WA 1 1.33 11.550 178.00 2.00 2.00 2.00 42.00 42.00 $132,500 $132,500 $132,500 $132,500
- ----------------------------------------------------------------------------------------------------------------------------------
Total.. 49 100.00% 11.496 331.80 2.46 .00 9.00 57.52 57.44 $49,888 $700,000 $9,993,237 $203,944
===================================================================================================================================
PROPERTY-TYPE
- ------------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
# % Rem WA Orig Loan Current
Loan Pool WAC Term Age LTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
Multi-Family 49 100.00 11.496 331.80 2.46 57.52 $700,000 $9,993,236.83
- -------------------------------------------------------------------------------------------------------------------
Total..... 49 100.00% 11.496 331.80 2.46 57.52 $700,000 $9,993,236.83
===================================================================================================================
OCCUPANCY
- ------------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
# % Rem WA Orig Loan Current
Loan Pool WAC Term Age LTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
Owner Occ. 6 9.12 11.888 285.90 4.04 56.63 $227,500 $911,127.68
Investor 43 90.88 11.457 336.40 2.30 57.61 $700,000 $9,082,109.15
- -------------------------------------------------------------------------------------------------------------------
Total..... 49 100.00% 11.496 331.80 2.46 57.52 $700,000 $9,993,236.83
===================================================================================================================
</TABLE>
THIS PAGE MUST BE ACCOMPANIED BY A DISCLAIMER. IF YOU DID NOT RECEIVE SUCH
A DISCLAIMER, PLEASE CONTACT YOUR PRUDENTIAL SECURITIES INCORPORATED FINANCIAL
ADVISOR IMMEDIATELY.
<PAGE>
<TABLE>
<CAPTION>
DOCUMENTATION LEVEL
- ------------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
# % Rem WA Orig Loan Current
Loan Pool WAC Term Age LTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
Full Documentation 49 100.00 11.496 331.80 2.46 57.52 $700,000 $9,993,236.83
- -------------------------------------------------------------------------------------------------------------------
Total..... 49 100.00% 11.496 331.80 2.46 57.52 $700,000 $9,993,236.83
===================================================================================================================
LOAN-PURPOSE
- ------------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
# % Rem WA Orig Loan Current
Loan Pool WAC Term Age LTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
Purchase 9 21.91 11.340 309.78 1.71 63.22 $487,500 $2,189,369.29
Refinance/No ETO 35 72.80 11.512 338.65 2.69 56.40 $700,000 $7,275,137.56
Refinance/ETO 4 4.44 12.056 357.37 2.63 53.14 $160,000 $443,729.98
Debt Consolidation 1 .85 11.250 179.00 1.00 29.00 $85,000 $85,000.00
- -------------------------------------------------------------------------------------------------------------------
Total..... 49 100.00% 11.496 331.80 2.46 57.52 $700,000 $9,993,236.83
===================================================================================================================
LOAN GRADE
- --------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
# % Rem WA Orig Loan Current
Loan Grade Loan Pool WAC Term Age LTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
A 49 100.00 11.496 331.80 2.46 57.52 $700,000 $9,993,236.83
- --------------------------------------------------------------------------------------------------------------
Total..... 49 100.00% 11.496 331.80 2.46 57.52 $700,000 $9,993,236.83
==============================================================================================================
ORIGINAL FICO RANGE
- -------------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
# % Rem WA Orig Loan Current
FICO Loan Pool WAC Term Age LTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
550 * FICO *= 575 1 1.95 11.850 358.00 2.00 65.00 $195,000 $195,000.00
625 * FICO *= 650 1 1.29 11.850 359.00 1.00 65.00 $128,700 $128,519.17
650 * FICO *= 675 6 7.13 11.563 323.68 2.86 53.74 $250,000 $712,799.77
675 * FICO *= 700 8 8.45 11.266 233.27 2.38 52.08 $178,700 $844,342.83
700 * FICO *= 725 3 11.51 11.561 358.32 1.68 52.75 $650,000 $1,149,998.24
725 * FICO *= 750 4 6.79 11.704 329.89 2.88 60.40 $227,500 $678,564.05
750 * FICO *= 800 6 14.18 10.824 280.92 1.46 59.78 $487,500 $1,416,942.72
800 * FICO *= 850 2 8.69 11.241 354.25 5.75 51.93 $590,000 $868,394.25
NO FICO SCORE AVAILABLE 18 40.01 11.744 357.74 2.26 60.03 $700,000 $3,998,675.80
- -------------------------------------------------------------------------------------------------------------------
Total..... 49 100.00% 11.496 331.80 2.46 57.52 $700,000 $9,993,236.83
===================================================================================================================
*=Less than
</TABLE>
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A DISCLAIMER, PLEASE CONTACT YOUR PRUDENTIAL SECURITIES INCORPORATED FINANCIAL
ADVISOR IMMEDIATELY.
<PAGE>
<TABLE>
<CAPTION>
DEBT SERVICE COVERAGE RATIO RANGE
- -------------------------------------------------------------------------------------------------------------------
WA WA Max. Orig Total
DSCR # % Rem WA Orig Loan Current
RANGE Loan Pool WAC Term Age LTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
1.000 * DSCR *= 1.250 4 5.71 11.908 357.40 2.60 52.57 $200,000 $571,024.44
1.250 * DSCR *= 1.500 22 56.36 11.482 343.87 2.76 60.49 $700,000 $5,631,786.90
1.500 * DSCR *= 1.750 9 12.79 11.538 311.02 1.65 60.31 $370,500 $1,277,768.56
1.750 * DSCR *= 2.000 3 8.23 11.069 251.60 1.68 62.63 $487,500 $822,250.00
2.000 * DSCR *= 2.250 3 3.83 11.609 308.45 3.31 57.83 $215,800 $383,014.75
2.250 * DSCR *= 2.500 2 3.23 11.286 358.00 2.00 49.10 $250,000 $322,935.71
2.500 * DSCR *= 2.750 1 .85 11.250 179.00 1.00 29.00 $85,000 $85,000.00
2.750 * DSCR *= 3.000 1 .50 10.500 351.00 9.00 23.00 $50,000 $49,887.84
3.000 * DSCR 4 8.50 11.773 358.12 1.88 39.96 $650,000 $849,568.63
- -------------------------------------------------------------------------------------------------------------------
Total..... 49 100.00% 11.496 331.80 2.46 57.52 $700,000 $9,993,236.83
===================================================================================================================
*= Less than
ACTUAL NEXT PAYMENT DUE DATE
- -------------------------------------------------------------------------------------------------------------------
Next WA WA Max. Orig Total
Due # % Rem WA Orig Loan Current
Date Loan Pool WAC Term Age LTV Amount Balance
<S> <C> <C> <C> <C> <C> <C> <C> <C>
05/01/97 1 2.73 13.250 358.00 2.00 61.00 $273,000 $273,000.00
06/01/97 3 4.94 11.309 356.56 3.44 64.23 $269,000 $493,572.76
07/01/97 41 78.95 11.519 324.76 2.63 56.73 $700,000 $7,890,022.64
07/10/97 2 7.19 10.800 360.00 .00 65.00 $479,150 $718,750.00
07/15/97 1 4.60 10.750 358.00 2.00 54.00 $460,000 $460,000.00
08/01/97 1 1.58 13.250 356.00 4.00 46.00 $160,000 $157,891.43
- -------------------------------------------------------------------------------------------------------------------
Total..... 49 100.00% 11.496 331.80 2.46 57.52 $700,000 $9,993,236.83
===================================================================================================================
</TABLE>
THIS PAGE MUST BE ACCOMPANIED BY A DISCLAIMER. IF YOU DID NOT RECEIVE SUCH
A DISCLAIMER, PLEASE CONTACT YOUR PRUDENTIAL SECURITIES INCORPORATED FINANCIAL
ADVISOR IMMEDIATELY.
THE MONEY STORE HOME EQUITY TRUST 1997-B
$550,000,000 (APPROXIMATE)
SUBJECT TO REVISION
COMPUTATIONAL MATERIALS
<PAGE>
The attached tables and other statistical analyses (the "Computational
Materials") are privileged and confidential and are intended for use by the
addressee only. These Computational Materials are furnished to you solely by
Merrill Lynch, Pierce, Fenner & Smith Incorporated ("Merrill Lynch") and not by
the issuer of the securities or any of its affiliates. The issuer of these
securities has not prepared or taken part in the preparation of these materials.
Neither Merrill Lynch, the issuer of the securities nor any of its affiliates
makes any representation as to the accuracy or completeness of the information
herein. The information herein is preliminary, and will be superseded by the
applicable Prospectus Supplement and by any other information subsequently filed
with the Securities and Exchange Commission. The information herein may not be
provided by the addressees to any third party other than the addressee's legal,
tax, financial and/or accounting advisors for the purposes of evaluating said
material.
Numerous assumptions were used in preparing the Computational Materials which
may or may not be stated therein. As such, no assurance can be given as to the
accuracy, appropriateness or completeness of the Computational Materials in any
particular context; or as to whether the Computational Materials and/or the
assumptions upon which they are based reflect present market conditions or
future market performance. These Computational Materials should not be construed
as either projections or predictions or as legal, tax, financial or accounting
advice.
Any yields or weighted average lives shown in the Computational Materials are
based on prepayment assumptions and actual prepayment experience may
dramatically affect such yields or weighted average lives. In addition, it is
possible that prepayments on the underlying assets will occur at rates slower or
faster than the rates assumed in the attached Computational Materials.
Furthermore, unless otherwise provided, the Computational Materials assume no
losses on the underlying assets and no interest shortfall. The specific
characteristics of the securities may differ from those shown in the
Computational Materials due to differences between the actual underlying assets
and the hypothetical assets used in preparing the Computational Materials. The
principal amount and designation of any security described in the Computational
Materials are subject to change prior to issuance.
Although a registration statement (including the prospectus) relating to the
securities discussed in this communication has been filed with the Securities
and Exchange Commission and is effective, the final prospectus supplement
relating to the securities discussed in this communication has not been filed
with the Securities and Exchange Commission. This communication shall not
constitute an offer to sell or the solicitation of any offer to buy nor shall
there be any sale of the securities discussed in this communication in any state
in which such offer, solicitation or sale would be unlawful prior to
registration or qualification under the securities laws of any such state.
Prospective purchasers are referred to the final prospectus and prospectus
supplement relating to the securities discussed in this communication for
definitive Computational Materials on any matter discussed in this
communication. A final prospectus and prospectus supplement may be obtained by
contacting the Merrill Lynch Trading Desk at (212) 449 - 3659.
Please be advised that asset-backed securities may not be appropriate for all
investors. Potential investors must be willing to assume, among other things,
market price volatility, prepayments, yield curve and interest rate risk.
Investors should fully consider the risk of an investment in these securities.
If you have received this communication in error, please notify the sending
party immediately by telephone and return the original to such party by mail.
<PAGE>
<TABLE>
<CAPTION>
POOL I (FIXED RATE HOME EQUITY LOANS)
TO MATURITY:
Bond Ratings Beg. Amort. End Amort.
Class Amount (MDY'S/S&P) WAL (Mo./Date) (Mo./Date)
<S> <C> <C> <C> <C> <C>
A-1 $80,500,000 Aaa/AAA 0.500 7/97 5/98
A-2 $84,500,000 Aaa/AAA 1.198 5/98 1/99
A-3 $105,400,000 Aaa/AAA 2.069 1/99 2/00
A-4 $57,500,000 Aaa/AAA 3.030 2/00 12/00
A-5 $52,800,000 Aaa/AAA 4.008 12/00 2/02
A-6 $49,000,000 Aaa/AAA 5.343 2/02 10/03
A-7 $65,300,000 Aaa/AAA 9.942 10/03 5/14
A-8 $55,000,000 Aaa/AAA 6.457 7/00 2/14
TO CALL:
A-7 $65,300,000 Aaa/AAA 8.153 10/03 2/06
A-8 $55,000,000 Aaa/AAA 6.363 7/00 2/06
</TABLE>
<PAGE>
ISSUER: The Money Store Home Equity Trust 1997-B
REPRESENTATIVE &
SERVICER: The Money Store Inc.
TRUSTEE: The Bank of New York
EXPECTED
PRICING: Week of June 16, 1997
EXPECTED
SETTLEMENT: Week of June 23, 1997
STATISTICAL
CUT-OFF DATE: June 1, 1997
STATED FINAL
MATURITY: July 2038
INTEREST/
PRINCIPAL: The 15th day (or the next business day if 15th is
not a business day) of each month beginning July
15, 1997.
SMMEA: Not eligible.
ERISA: Subject to the conditions set forth in the
prospectus, it is believed that the Class A
Certificates from Pool I would be ERISA eligible.
Prospective purchasers should consult their
counsel.
TAX STATUS: On the Closing Date, a REMIC election will be made
with respect to certain assets of the Trust.
COLLATERAL: POOL I: Conventional fixed-rate home equity loans
secured by first or second liens on one- to four-
family ("single family") residential properties,
five and six-family residences, units in planned
unit developments and units in condominium
developments plus the Pre-Funding Account
allocated to Pool I.
CREDIT
ENHANCEMENT: Overcollateralization including Cross
Collateralization of all of the Pools, plus 100%
MBIA Guarantee of timely receipt of interest on
the Class A Certificates and ultimate receipt of
principal on the Class A Certificates.
CROSSCOLLATERAL-
IZATION: On any Payment Date on which the
Overcollateralization for a Pool is less than the
required Overcollateralization for such Pool,
Excess Spread for such Pool plus the Excess
Spread and Excess Principal from the other Pools,
not required to make additional payments of
principal or interest on the related Class A
Certificates of such other Pools, if any, will be
used to make additional distributions of principal
on the related Class of Class A Certificates
until such Overcollateralization equals the
related required Overcollateralization with
respect to such Pool.
PRE-FUNDING
ACCOUNT: Original Pool I Pre-Funding Amount: 25%
(approximate)
The Original Pool I Pre-Funding Amounts will be
reduced during the Funding Period by the amounts
thereof used to purchase the related Subsequent
Loans. Any amount remaining at the end of the
Funding Period in the Pool I & Pool II Pre-
Funding Accounts will be used to prepay principal
to the Pool I and II Certificates.
INTEREST
DISTRIBUTIONS: Interest due with respect to the Pool I
Certificates, will be interest which has accrued
on the related Certificate Principal Balance
during the calendar month immediately preceding
the month in which such Payment date occurs.
Interest on the Pool I Certificates will accrue
on the basis of a 360-day year consisting of
twelve 30-day months.
SERVICER
CLEANUP CALL: The Servicer, and in certain circumstances, the
Insurer, will have the right to purchase all the
Pool I and Pool II Home Equity Loans and the Pool
III Multifamily Loans (collectively, the "Loans")
on any Monthly Remittance Date when the aggregate
principal balances of the Loans have declined to
less than 10% of the sum of (i) the aggregate
principal balances of the "Initial Loans", as of
the Cut-Off Date and (ii) the original Pre-Funded
Amount.
INSURER
CLEANUP CALL: On and after the date on which the Maximum
Subordinated Amount is zero (the "Cross-Over
Date") and on any Remittance Date when Loans with
aggregate principal balances (as of the Cut-Off
Date) equaling 25% or more of the sum of (i) the
Original Pool Principal Balance and (ii) the
Original Pre-Funded Amount, if any, have become
Liquidated Loans.
EXPECTED POOL PRICING PREPAYMENT ASSUMPTIONS:
POOL I (FIXED RATE HOME EQUITY LOANS)
The 100% pricing prepayment assumption for Pool I assumes a Home Equity
Prepayment ("HEP") rate of 2.3% per annum of the then outstanding principal
balance of the respective Home Equity Loans in the first month of the life of
the Home Equity Loans and an additional 2.3% per annum in each month thereafter
until the tenth month. Beginning in the tenth month and in each month thereafter
during the life of the Home Equity Loans the pricing prepayment assumption
assumes a conditional prepayment rate of 23% for Pool I per annum each month.
PREPAYMENT SCENARIOS(1):
SCENARIO 1 SCENARIO 2 SCENARIO3(2) SCENARIO 4 SCENARIO 5
---------- ---------- ------------ ---------- ----------
Pool I 0% 75% 100% 125% 150%
(1) Percentage of Prepayment Assumption.
(2) Pricing Assumption.
<TABLE>
<CAPTION>
CLASS A CERTIFICATE PREPAYMENT SENSITIVITY ANALYSIS:
(assuming 0 bps losses):
TO MATURITY 1 2 3 4 5
- - - - -
<S> <C> <C> <C> <C> <C>
Class A-1 WAL (yrs.) 2.654 0.574 0.500 0.449 0.411
Class A-1 Exp. Beg. Am. 1 1 1 1 1
Class A-1 Exp. End. Am. 69 13 11 10 9
TO MATURITY 1 2 3 4 5
- - - - -
Class A-2 WAL (yrs.) 8.736 1.462 1.198 1.034 0.920
Class A-2 Exp. Beg. Am. 69 13 11 10 9
Class A-2 Exp. End. Am. 140 24 19 16 14
TO MATURITY 1 2 3 4 5
- - - - -
Class A-3 WAL (yrs.) 13.807 2.63 2.069 1.718 1.479
Class A-3 Exp. Beg. Am. 140 24 19 16 14
Class A-3 Exp. End. Am. 181 42 32 27 23
TO MATURITY 1 2 3 4 5
- - - - -
Class A-4 WAL (yrs.) 16.331 3.981 3.030 2.468 2.080
Class A-4 Exp. Beg. Am. 181 42 32 27 23
Class A-4 Exp. End. Am. 227 56 42 34 29
TO MATURITY 1 2 3 4 5
- - - - -
Class A-5 WAL (yrs.) 21.228 5.329 4.008 3.181 2.638
Class A-5 Exp. Beg. Am. 227 56 42 34 29
Class A-5 Exp. End. Am. 284 75 56 44 36
TO MATURITY 1 2 3 4 5
- - - - -
Class A-6 WAL (yrs.) 25.356 7.649 5.343 4.177 3.392
Class A-6 Exp. Beg. Am. 284 75 56 44 36
Class A-6 Exp. End. Am. 325 114 76 58 47
TO MATURITY 1 2 3 4 5
- - - - -
Class A-7 WAL (yrs.) 29.049 12.962 9.942 7.516 5.693
Class A-7 Exp. Beg. Am. 325 114 76 58 47
Class A-7 Exp. End. Am. 448 258 203 172 144
TO MATURITY 1 2 3 4 5
- - - - -
Class A-8 WAL (yrs.) 11.435 6.947 6.457 6.083 5.795
Class A-8 Exp. Beg. Am. 37 37 37 37 37
Class A-8 Exp. End. Am. 445 256 200 170 142
CLASS A CERTIFICATE PREPAYMENT SENSITIVITY ANALYSIS:
(assuming 0 bps losses):
TO 10% CLEAN-UP CALL 1 2 3 4 5
- - - - -
Class A-7 WAL (yrs.) 27.781 10.746 8.153 6.213 4.983
Class A-7 Exp. Beg. Am. 325 114 76 58 47
Class A-7 Exp. End. Am. 335 132 104 84 70
TO 10% CLEAN-UP CALL 1 2 3 4 5
- - - - -
Class A-8 WAL (yrs.) 11.435 6.910 6.363 5.763 5.109
Class A-8 Exp. Beg. Am. 37 37 37 37 37
Class A-8 Exp. End. Am. 335 132 104 84 70
</TABLE>
<PAGE>
Merrill Lynch Mortgage Capital, Inc.
Transactions Finance Group ***
Portfolio: S:\DATA\DEALS\MONEY\97B\97BFIXED.DBF
06/18/1997 11:13 Page 1
<TABLE>
<CAPTION>
MONEY STORE 97-B FIXED PORTFOLIO
Report Profile: PROSPECT SuperCrack Portfolio Summary Code File: 97BFIXED
- P O O L T O T A L S - AVERAGE - - GROSS COUPON - - - WTD AVG RMNG TERM - WTDAV
# LOANS CURRENT BALANCE CURRBAL WTDAVG MIN MAX STATD CALCD ORIG L T V
5,242 $ 238,554,529 $ 45,508 11.503 5.000 15.990 260.5 262.6
STATE LOANS CURRENT BAL %POOL
<S> <C> <C> <C>
AK 9 437,119 0.18
AR 38 1,421,132 0.60
AZ 72 2,870,960 1.20
CA 302 19,544,784 8.19
CO 141 5,760,302 2.41
CT 55 2,862,318 1.20
DC 18 1,041,380 0.44
DE 32 1,939,785 0.81
FL 249 12,003,577 5.03
GA 137 5,922,980 2.48
HI 3 438,677 0.18
IA 25 854,365 0.36
ID 47 2,095,457 0.88
IL 305 14,861,598 6.23
IN 256 10,274,658 4.31
KS 90 2,697,311 1.13
KY 85 3,284,705 1.38
LA 41 1,367,026 0.57
MA 110 6,553,282 2.75
MD 62 3,587,538 1.50
ME 62 2,286,873 0.96
MI 240 7,815,316 3.28
MN 87 3,604,102 1.51
MO 227 8,810,476 3.69
MS 61 1,923,197 0.81
MT 29 1,322,063 0.55
NC 170 10,095,884 4.23
ND 5 122,418 0.05
NE 47 1,318,087 0.55
NH 32 1,760,681 0.74
NJ 188 10,364,334 4.34
NM 75 3,211,714 1.35
NV 53 2,157,272 0.90
NY 331 20,198,339 8.47
OH 332 14,125,571 5.92
OK 62 1,649,556 0.69
OR 57 2,019,806 0.85
PA 327 12,393,991 5.20
RI 28 1,370,554 0.57
SC 110 5,060,881 2.12
SD 7 176,729 0.07
TN 89 3,801,458 1.59
TX 45 1,654,774 0.69
UT 54 2,379,617 1.00
VA 73 3,119,825 1.31
VT 10 508,456 0.21
WA 215 10,158,298 4.26
WI 103 3,540,962 1.48
WV 36 1,262,549 0.53
WY 10 521,792 0.22
LTV (COMBINED LOANS CURRENT BAL %POOL
<S> <C> <C> <C> <C>
0.01- 5.00 2 21,912 0.01
5.01- 10.00 10 146,723 0.06
10.01- 15.00 45 809,000 0.34
15.01- 20.00 51 1,064,959 0.45
20.01- 25.00 64 1,533,644 0.64
25.01- 30.00 61 1,729,919 0.73
30.01- 35.00 78 2,649,348 1.11
35.01- 40.00 128 4,478,832 1.88
40.01- 45.00 118 4,759,398 2.00
45.01- 50.00 159 6,006,839 2.52
50.01- 55.00 165 6,538,270 2.74
55.01- 60.00 227 9,427,833 3.95
60.01- 65.00 394 20,453,611 8.57
65.01- 70.00 510 22,418,516 9.40
70.01- 75.00 596 29,932,569 12.55
75.01- 80.00 1,660 85,323,006 35.77
80.01- 85.00 376 16,266,046 6.82
85.01- 90.00 516 22,212,841 9.31
90.01- 95.00 66 2,139,859 0.90
95.01- 100.00 16 641,405 0.27
WTD AVERAGE:71.81
PROPTYPE LOANS CURRENT BAL %POOL
<S> <C> <C> <C>
SINGLE FAMILY DETACHED 4,745 206,440,516 86.54
DEM PUD 1 234,657 0.10
SINGLE FAMILY ATTACHED 61 2,731,791 1.15
2 FAMILY 214 11,141,424 4.67
TOWNHOUSE 34 1,568,114 0.66
PUD 18 1,725,940 0.72
3 TO 4 FAMILY 81 6,616,205 2.77
UNKNOWN 88 8,095,882 3.39
OWNEROCC LOANS CURRENT BAL %POOL
INVESTOR 266 14,830,940 6.22
OWNER OCCUPIED 4,935 221,826,090 92.99
SECOND HOME 40 1,835,673 0.77
UNKNOWN 1 61,826 0.03
RATE LOANS CURRENT BAL %POOL
<S> <C> <C> <C> <C>
4.51- 5.00 1 11,173 0.00
6.51- 7.00 2 100,972 0.04
8.01- 8.50 2 343,490 0.14
8.51- 9.00 31 2,433,868 1.02
9.01- 9.50 97 8,452,796 3.54
9.51- 10.00 446 36,549,351 15.32
10.01- 10.50 271 20,339,575 8.53
10.51- 11.00 528 31,772,403 13.32
11.01- 11.50 557 29,558,922 12.39
11.51- 12.00 749 31,682,294 13.28
12.01- 12.50 702 24,245,726 10.16
12.51- 13.00 789 24,532,048 10.28
13.01- 13.50 456 12,205,450 5.12
13.51- 14.00 367 9,825,711 4.12
14.01- 14.50 151 3,830,980 1.61
14.51- 15.00 72 2,022,995 0.85
15.01- 15.50 17 528,242 0.22
15.51- 16.00 4 118,532 0.05
WTD AVERAGE: 11.50
STDRTM LOANS CURRENT BAL %POOL
1- 24 1 6,200 0.00
25- 48 6 56,606 0.02
49- 72 198 2,777,954 1.16
73- 96 98 1,983,029 0.83
97- 120 754 15,861,531 6.65
121- 144 13 352,146 0.15
145- 168 8 855,162 0.36
169- 192 2,227 91,736,747 38.46
193- 216 4 202,998 0.09
217- 240 425 18,212,413 7.63
265- 288 4 239,472 0.10
289- 312 191 7,682,106 3.22
313- 336 1 60,000 0.03
337- 360 1,191 86,817,110 36.39
457- 480 121 11,711,056 4.91
WTD AVERAGE: 260.48
</TABLE>
<TABLE>
<CAPTION>
MONEY STORE 97-B FIXED PORTFOLIO
Report Profile: PROSPECT SuperCrack Portfolio Summary Code File: 97BFIXED
- P O O L T O T A L S - AVERAGE - - GROSS COUPON - - - WTD AVG RMNG TERM - WTDAV
# LOANS CURRENT BALANCE CURRBAL WTDAVG MIN MAX STATD CALCD ORIG L T V (3)
5,242 $ 238,554,529 $ 45,508 11.503 5.000 15.990 260.5 262.6 (3) (3)
CURRBAL LOANS CURRENT BAL %POOL
<S> <C> <C> <C> <C>
0.01- 10000.00 226 1,778,237 0.75
10000.01- 20000.00 1,102 16,887,002 7.08
20000.01- 30000.00 1,046 26,208,619 10.99
30000.01- 40000.00 774 27,132,118 11.37
40000.01- 50000.00 511 23,150,566 9.70
50000.01- 60000.00 424 23,331,986 9.78
60000.01- 70000.00 260 16,917,333 7.09
70000.01- 80000.00 201 15,071,096 6.32
80000.01- 90000.00 135 11,538,806 4.84
90000.01- 100000.00 115 11,039,936 4.63
100000.01- 110000.00 108 11,320,098 4.75
110000.01- 120000.00 78 8,957,371 3.75
120000.01- 130000.00 42 5,265,116 2.21
130000.01- 140000.00 48 6,444,602 2.70
140000.01- 150000.00 22 3,180,917 1.33
150000.01- 160000.00 26 4,015,147 1.68
160000.01- 170000.00 26 4,279,889 1.79
170000.01- 180000.00 24 4,209,569 1.76
180000.01- 190000.00 12 2,242,785 0.94
190000.01- 200000.00 15 2,934,155 1.23
200000.01- 210000.00 7 1,430,135 0.60
210000.01- 220000.00 4 859,747 0.36
220000.01- 230000.00 5 1,116,362 0.47
230000.01- 240000.00 4 939,546 0.39
240000.01- 250000.00 4 990,171 0.42
250000.01- 260000.00 3 769,877 0.32
270000.01- 280000.00 6 1,654,150 0.69
280000.01- 290000.00 1 287,815 0.12
290000.01- 300000.00 1 296,200 0.12
300000.01- 310000.00 1 306,000 0.13
310000.01- 320000.00 2 626,936 0.26
320000.01- 330000.00 2 649,853 0.27
340000.01- 350000.00 3 1,041,590 0.44
350000.01- 360000.00 1 350,577 0.15
380000.01- 390000.00 1 381,201 0.16
400000.01- 410000.00 1 409,480 0.17
530000.01- 540000.00 1 539,544 0.23
</TABLE>
