<PAGE>
EXHIBIT 99.1
CERTIFICATES FOR HOME EQUITY LOANS
SERIES 2000-C
INFORMATION REGARDING INITIAL AND ADDITIONAL CONTRACTS
Set forth below is information regarding home equity loan contracts transferred
to the trust formed in June 2000, or substituted for some of these contracts, as
permitted by the pooling and servicing agreement, on or before the date of this
report. The information below relates to both the initial contracts described in
the prospectus supplement dated June 6, 2000 and the additional contracts
transferred to the trust on the closing date. The Company will transfer
subsequent contracts to the trust on or before the expiration of the pre-funding
period. Unless otherwise defined herein, all capitalized terms have the meanings
set forth in the prospectus supplement dated June 6, 2000.
<PAGE>
The tables below show additional characteristics of the initial loans. Due to
rounding, the percentages in the following tables may not sum to 100%.
Geographical Distribution of Mortgaged Properties--Initial Loans
<TABLE>
<CAPTION>
% of Initial Loans by
Aggregate Principal Outstanding Principal
Number of Loans Balance Outstanding Balance as of
as of Cut-off Date as of Cut-off Date Cut-off Date
------------------ ------------------- ---------------------
<S> <C> <C> <C>
Alabama................. 100 $ 9,065,679.69 2.49%
Arizona................. 115 14,848,246.19 4.06
Arkansas................ 11 985,352.67 0.26
California.............. 258 46,915,071.50 12.54
Colorado................ 138 20,712,512.25 5.66
Connecticut............. 11 1,483,557.34 0.41
Delaware................ 5 516,605.10 0.14
District Of Columbia.... 23 3,207,816.56 0.88
Florida................. 94 9,607,310.78 2.62
Georgia................. 165 10,610,467.83 5.36
Idaho................... 6 523,600.01 0.14
Illinois................ 130 15,567,391.67 4.25
Indiana................. 141 13,086,752.12 3.58
Iowa.................... 26 2,022,622.95 0.55
Kansas.................. 27 3,345,387.54 0.91
Kentucky................ 63 5,612,618.88 1.53
Louisiana............... 23 2,323,509.55 0.63
Maine................... 3 374,420.91 0.10
Maryland................ 154 24,928,576.62 6.81
Massachusetts........... 27 4,155,002.27 1.14
Michigan................ 100 9,834,178.15 2.69
Minnesota............... 36 4,738,800.17 1.29
Mississippi............. 44 3,681,694,92 1.01
Missouri................ 58 5,331,843.65 1.46
Montana................. 6 526,995.32 0.14
Nebraska................ 18 1,667,569.33 0.46
Nevada.................. 42 5,416,438.98 1.48
New Hampshire........... 4 595,092.34 0.16
New Jersey.............. 7 978,049.55 0.27
New Mexico.............. 12 1,066,970.07 0.29
New York................ 23 3,415,699.22 0.93
North Carolina.......... 190 18,651,720.34 5.10
Ohio.................... 373 35,919,038.74 9.81
Oklahoma................ 21 1,579,792.01 0.43
Oregon.................. 34 4,742,361.19 1.30
Pennsylvania............ 75 6,903,552.58 1.89
Rhode Island............ 12 1,424,307.30 0.39
South Carolina.......... 95 8,476,922.59 2.32
South Dakota............ 4 297,090.08 0.08
Tennessee............... 75 6,825,235.30 1.86
Texas................... 54 7,184,572.67 1.96
Utah.................... 58 8,179,273.82 2.23
Vermont................. 1 82,843.73 0.02
Virginia................ 118 17,284,910.69 4.72
Washington.............. 62 8,066,234.21 2.45
West Virginia........... 23 1,887,733.84 0.52
Wisconsin............... 20 1,941,628.03 0.53
Wyoming................. 6 531,783.63 0.15
----- --------------- ------
Total............... 3,091 $366,004,855.95 100.00%
===== =============== ======
</TABLE>
2
<PAGE>
Years of Origination--Initial Loans
<TABLE>
<CAPTION>
% of Initial Loans by
Aggregate Principal Outstanding Principal
Number of Loans Balance Outstanding Balance as of
Year of Origination as of Cut-off Date as of Cut-off Date Cut-off Date
------------------- ------------------ ------------------- ---------------------
<S> <C> <C> <C>
1997.................... 2 $ 333,429.22 0.06%
1998.................... 12 1,605,388.29 0.39
1999.................... 386 46,702,064.63 12.49
2000.................... 2,691 317,363,083.81 87.06
----- --------------- ------
Total............... 3,091 $366,004,855.95 100.00%
===== =============== ======
</TABLE>
Distribution of Original Loan Amounts--Initial Loans
<TABLE>
<CAPTION>
% of Initial Loans by
Aggregate Principal Outstanding Principal
Original Loan Amount Number of Loans Balance Outstanding Balance as of
(in Dollars) as of Cut-off Date as of Cut-off Date Cut-off Date
-------------------- ------------------ ------------------- --------------------- ---
<S> <C> <C> <C> <C>
$ 10,000 to $19,999..... 1 $ 16,493.84 *%
$ 20,000 to $29,999..... 13 332,408.22 0.09
$ 30,000 to $39,999..... 50 1,798,280.99 0.49
$ 40,000 to $49,999..... 140 6,389,282.88 1.75
$ 50,000 to $59,999..... 211 11,734,791.04 3.21
$ 60,000 to $69,999..... 245 15,929,827.67 4.35
$ 70,000 to $79,999..... 316 23,669,069.54 6.47
$ 80,000 to $89,999..... 291 24,530,681.88 6.70
$ 90,000 to $99,999..... 241 22,818,813.84 6.23
$100,000 to $109,999.... 201 21,108,187.57 5.77
$110,000 to $119,999.... 187 21,439,007.58 5.86
$120,000 to $129,999.... 155 19,330,049.24 5.28
$130,000 to $139,999.... 158 21,272,748.73 5.81
$140,000 to $149,999.... 140 20,267,000.92 5.54
$150,000 to $159,999.... 113 17,513,591.11 4.79
$160,000 to $169,999.... 76 12,451,851.80 3.40
$170,000 to $179,999.... 89 15,496,024.77 4.23
$180,000 to $189,999.... 67 12,335,947.19 3.37
$190,000 to $199,999.... 57 11,120,703.57 3.04
$200,000 to $209,999.... 40 8,204,388.84 2.24
$210,000 to $219,999.... 45 9,662,625.56 2.64
$220,000 to $229,999.... 35 7,862,662.78 2.15
$230,000 to $239,999.... 36 8,195,831.47 2.24
$240,000 to $249,999.... 28 6,831,982.76 1.87
$250,000 to $259,999.... 25 6,357,829.58 1.74
$260,000 to $269,999.... 24 6,336,379.72 1.73
$270,000 to $279,999.... 24 8,579,910.46 1.80
$280,000 to $289,999.... 18 5,110,166.68 1.40
$290,000 to $299,999.... 13 3,832,990.38 1.05
$300,000 to $309,999.... 9 2,732,196.06 0.75
$310,000 to $319,999.... 9 2,810,478.30 0.77
$320,000 to $329,999.... 12 3,905,956.40 1.07
$330,000 to $339,999.... 6 2,004,671.54 0.55
$340,000 to $349,999.... 8 2,755,981.18 0.75
Over $349,999........... 9 3,265,262.08 0.89
----- --------------- ------
Total............... 3,091 $366,004.855.95 100.00%
===== =============== ======
</TABLE>
--------------
* Indicates an amount greater than zero but less than .005% of the aggregate
principal balance of the contracts as of the cut-off date.
3
<PAGE>
Current Loan Rates--Initial Loans
<TABLE>
<CAPTION>
Aggregate Principal % of Initial Loans by
Number of Loans Balance Outstanding Outstanding Principal
Range of Loan Rates as of Cut-off Date as of Cut-off Date Balance as of Cut-off Date
------------------- ------------------ ------------------- --------------------------
<S> <C> <C> <C>
7.000% to 7.999%...... 7 $ 883,700.69 0.24%
8.000% to 8.999%...... 506 68,784,489.83 18.79
9.000% to 9.999%...... 1,415 178,033,970.73 48.64
10.000% to 10.999%...... 890 93,831,581.32 25.64
11.000% to 11.999%...... 220 19,941,729.95 5.45
12.000% to 12.999%...... 51 4,361,212.80 1.19
13.000% to 13.999%...... 1 46,746.27 0.01
14.000% to 14.999%...... 1 121,434.36 0.03
----- --------------- ------
Total............... 3,091 $366,004,855.95 100.00%
===== =============== ======
Remaining Months to Maturity--Initial Loans
<CAPTION>
Months Remaining to Aggregate Principal % of Initial Loans by
Scheduled Maturity Number of Loans Balance Outstanding Outstanding Principal
as of Cut-off Date as of Cut-off Date as of Cut-off Date Balance as of Cut-off Date
------------------- ------------------ ------------------- --------------------------
<S> <C> <C> <C>
91 to 120.............. 1 $ 147,677.54 0.03%
151 to 180.............. 3 425,168.17 0.10
331 to 360.............. 3,087 366,432,020.24 99.87
----- --------------- ------
Total............... 3,091 $366,004,855.95 100.00%
===== =============== ======
Original Loan-to-Value Ratio--Initial Loans
<CAPTION>
Aggregate Principal % of Initial Loans by
Number of Loans Balance Outstanding Outstanding Principal
Loan-to-Value Ratio as of Cut-off Date as of Cut-off Date Balance as of Cut-off Date
------------------- ------------------ ------------------- --------------------------
<S> <C> <C> <C>
15.01% to 20.00%........ 1 $ 24,958.63 0.01%
25.01% to 30.00%........ 3 184,127.94 0.05
30.01% to 35.00%........ 1 26,461.26 0.01
35.01% to 40.00%........ 2 79,941.76 0.02
40.01% to 45.00%........ 2 57,478.47 0.02
45.01% to 50.00%........ 3 372,646.04 0.10
50.01% to 55.00%........ 8 511,441.11 0.14
55.01% to 60.00%........ 13 1,266,492.81 0.35
60.01% to 65.00%........ 17 1,201,218.76 0.33
65.01% to 70.00%........ 38 2,989,600.40 0.82
70.01% to 75.00%........ 93 7,683,551.86 2.10
75.01% to 80.00%........ 331 33,564,459.23 9.17
80.01% to 85.00%........ 381 39,814,982.38 10.88
85.01% to 90.00%........ 1,190 142,064,360.54 38.81
90.01% to 95.00%........ 846 118,041,169.84 32.25
95.01% to 100.00%....... 162 18,121,974.92 4.95
----- --------------- ------
Total............... 3,091 $366,004,855.95 100.00%
===== =============== ======
</TABLE>
4
<PAGE>
Month of Next Rate Adjustment--Initial Loans
<TABLE>
<CAPTION>
Aggregate Principal % of Initial Loans by
Number of Loans Balance Outstanding Outstanding Principal
Month of Next Rate Adjustment as of Cut-off Date as of Cut-off Date Balance as of Cut-off Date
----------------------------- ------------------ ------------------- --------------------------
<S> <C> <C> <C>
May 2000.................... 1 $ 98,338.30 0.03%
July 2000................... 2 333,429.22 0.09
August 2000................. 4 375,604.93 0.10
September 2000.............. 3 232,767.08 0.06
November 2000............... 1 165,140.74 0.05
December 2000............... 2 304,048.23 0.08
February 2001............... 1 80,019.32 0.02
March 2001.................. 1 139,538.92 0.04
April 2001.................. 1 162,367.19 0.04
May 2001.................... 2 194,111.37 0.05
June 2001................... 4 512,281.01 0.14
July 2001................... 5 499,101.81 0.14
August 2001................. 5 583,092.80 0.16
September 2001.............. 12 1,826,154.60 0.50
October 2001................ 20 2,210,709.25 0.50
November 2001............... 33 4,579,408.55 1.25
December 2001............... 118 14,293,605.11 3.91
January 2002................ 228 25,697,767.09 7.02
February 2002............... 577 65,566,050.65 17.91
March 2002.................. 777 93,375,262.53 25.51
April 2002.................. 762 89,542,513.91 24.48
May 2002.................... 381 47,453,480.57 12.97
June 2002................... 41 5,382,893.95 1.47
July 2002................... 4 436,950.19 0.12
August 2002................. 1 78,020.53 0.02
October 2002................ 1 144,800.31 0.04
November 2002............... 2 150,520.19 0.04
December 2002............... 5 593,943.91 0.16
January 2003................ 3 253,850.60 0.07
February 2003............... 27 2,988,557.79 0.82
March 2003.................. 30 2,872,499.98 0.78
April 2003.................. 26 3,213,082.93 0.88
May 2003.................... 11 1,663,555.30 0.45
----- --------------- ------
Total................... 3,091 $366,004,855.95 100.00%
===== =============== ======
</TABLE>
5
<PAGE>
Distribution of Gross Margin--Initial Loans
<TABLE>
<CAPTION>
Aggregate Principal % of Initial Loans
Number of Loans Balance Outstanding by Outstanding Principal
Gross Margin as of Cut-off Date as of Cut-off Date Balance as of Cut-off Date
------------ ------------------ ------------------- --------------------------
<S> <C> <C> <C>
3.000% to 3.249%........ 1 $ 80,577.94 0.02%
3.250% to 3.499%........ 1 119,945.77 0.03
3.500% to 3.749%........ 1 80,719.59 0.02
3.750% to 3.999%........ 1 67,357.59 0.02
4.000% to 4.249%........ 4 642,374.01 0.18
4.250% to 4.499%........ 10 1,011,903.29 0.28
4.500% to 4.749%........ 23 3,277,121.15 0.90
4.750% to 4.999%........ 77 12,688,766.92 3.47
5.000% to 5.249%........ 156 21,065,045.30 5.76
5.250% to 5.499%........ 355 44,950,004.66 12.28
5.500% to 5.749%........ 373 48,015,042.53 13.12
5.750% to 5.999%........ 405 50,295,587.18 13.74
6.000% to 6.249%........ 428 48,406,133.22 13.23
6.250% to 6.499%........ 369 42,959,968.69 11.74
6.500% to 6.749%........ 283 30,776,414.40 8.41
6.750% to 6.999%........ 202 22,303,557.58 6.09
7.000% to 7.249%........ 145 14,523,020.85 3.97
7.250% to 7.499%........ 79 8,171,498.37 2.23
7.500% to 7.749%........ 78 8,033,548.93 2.19
7.750% to 7.999%........ 43 3,626,043.69 0.99
8.000% to 8.249%........ 14 1,364,431.32 0.37
8.250% to 8.499%........ 10 1,036,638.48 0.28
8.500% to 8.749%........ 15 969,090.19 0.25
8.750% to 8.999%........ 11 849,989.26 0.23
9.000% to 9.249%........ 4 382,752.39 0.10
9.250% to 9.499%........ 1 85,987.51 0.02
9.750% to 9.999%........ 2 221,364.24 0.06
----- --------------- ------
Total............... 3,091 $366,004,855.95 100.00%
===== =============== ======
</TABLE>
6
<PAGE>
Maximum Loan Rates--Initial Loans
<TABLE>
<CAPTION>
Aggregate Principal % of Initial Loans by
Number of Loans Balance Outstanding Outstanding Principal
Maximum Loan Rates as of Cut-off Date as of Cut-off Date Balance as of Cut-off Date
------------------ ------------------ ------------------- --------------------------
<S> <C> <C> <C>
12.000% to 12.249%...... 1 $ 118,768.03 0.03%
13.250% to 13.499%...... 1 147,988.97 0.04
13.750% to 13.999%...... 2 297,418.41 0.08
14.000% to 14.249%...... 1 103,489.61 0.05
14.250% to 14.499%...... 14 2,267,342.38 0.62
14.500% to 14.749%...... 34 4,910,797.56 1.34
14.750% to 14.999%...... 354 47,177,152.26 12.89
15.000% to 15.249%...... 71 9,170,329.49 2.51
15.250% to 15.499%...... 252 32,851,099.78 8.98
15.500% to 15.749%...... 237 32,043,196.72 8.75
15.750% to 15.999%...... 585 73,017,825.31 19.95
16.000% to 16.249%...... 128 15,404,633.80 4.21
16.250% to 16.499%...... 301 32,436,904.74 8.86
16.500% to 16.749%...... 218 24,357,040.99 6.66
16.750% to 16.999%...... 354 38,265,455.96 10.45
17.000% to 17.249%...... 60 5,876,341.08 1.61
17.250% to 17.499%...... 122 12,443,616.01 3.40
17.500% to 17.749%...... 74 8,164,243.98 2.23
17.750% to 17.999%...... 120 12,155,152.00 3.32
18.000% to 18.249%...... 29 2,863,442.78 0.78
18.250% to 18.499%...... 41 3,720,009.05 1.02
18.500% to 18.749%...... 26 2,120,340.32 0.58
18.750% to 18.999%...... 24 1,973,706.78 0.54
19.000% to 19.249%...... 8 947,156.53 0.26
19.250% to 19.499%...... 17 1,442,164.00 0.39
19.500% to 19.749%...... 2 167,519.57 0.05
19.750% to 19.999%...... 3 250,883.21 0.07
20.000% to 20.249%...... 2 146,897.94 0.04
20.500% to 20.749%...... 5 388,631.50 0.11
21.000% to 21.249%...... 2 191,137.82 0.05
21.250% to 21.499%...... 1 121,315.25 0.03
24.000% to 24.249%...... 1 128,191.42 0.04
25.000% to 25.249%...... 1 324,672.13 0.09
----- --------------- ------
Total............... 3,091 $366,004,855.95 100.00%
===== =============== ======
</TABLE>
7
<PAGE>
Minimum Loan Rates--Initial Loans
<TABLE>
<CAPTION>
Aggregate Principal % of Initial Loans by
Number of Loans Balance Outstanding Outstanding Principal
Minimum Loan Rates as of Cut-off Date as of Cut-off Date Balance as of Cut-off Date
------------------ ------------------ ------------------- -------------------------- ---
<S> <C> <C> <C> <C>
3.000% to 3.249%...... 1 $ 80,577.94 0.02%
4.250% to 4.499%...... 7 699,626.17 0.19
4.500% to 4.749%...... 9 1,190,167.85 0.33
4.750% to 4.999%...... 29 5,173,544.52 1.41
5.000% to 5.249%...... 41 5,943,519.18 1.62
5.250% to 5.499%...... 150 19,183,218.54 5.24
5.500% to 5.749%...... 89 12,144,759.21 3.32
5.750% to 5.999%...... 131 17,244,026.82 4.71
6.000% to 6.249%...... 128 13,705,825.79 3.74
6.250% to 6.499%...... 109 12,207,276.21 3.34
6.500% to 6.749%...... 95 10,064,358.94 2.75
6.750% to 6.999%...... 91 10,385,793.85 2.84
7.000% to 7.249%...... 46 5,129,073.05 1.40
7.250% to 7.499%...... 33 3,387,886.95 0.93
7.500% to 7.749%...... 17 1,789,431.54 0.49
7.750% to 7.999%...... 19 1,987,582.13 0.54
8.000% to 8.249%...... 6 495,396.83 0.14
8.250% to 8.499%...... 24 3,407,329.49 0.93
8.500% to 8.749%...... 35 4,832,508.77 1.32
8.750% to 8.999%...... 303 39,441,193.85 10.78
9.000% to 9.249%...... 57 7,406,269.70 2.02
9.250% to 9.499%...... 239 30,525,509.55 8.34
9.500% to 9.749%...... 238 30,724,574.60 8.39
9.750% to 9.999%...... 438 52,476,240.72 14.34
10.000% to 10.249%...... 94 10,205,386.89 2.79
10.250% to 10.499%...... 198 20,420,738.47 5.58
10.500% to 10.749%...... 128 14,214,328.67 3.88
10.750% to 10.999%...... 161 16,715,464.34 4.57
11.000% to 11.249%...... 41 3,996,081.21 1.09
11.250% to 11.449%...... 53 4,416,890.55 1.21
11.500% to 11.749%...... 23 1,811,262.60 0.49
11.750% to 11.999%...... 22 1,614,886.18 0.44
12.000% to 12.249%...... 6 699,173.94 0.19
12.250% to 12.499%...... 13 1,030,334.83 0.28
12.500% to 12.749%...... 7 325,006.16 0.09
12.750% to 12.999%...... 8 771,185.75 0.21
13.250% to 13.499%...... 1 56,700.00 0.02
14.000% to 14.249%...... 1 121,434.36 0.03
----- --------------- ------
Total................. 3,091 $366,004,855.95 100.00%
===== =============== ======
</TABLE>
8
