<PAGE>
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) September 24, 1996
------------------
UCFC Acceptance Corporation
------------------------------------------------------
(Exact name of registrant as specified in its charter)
Louisiana 333-07081 72-123-5336
- ------------------------------- ------------ -------------
(State or other jurisdiction of (Commission (IRS Employer
incorporation) File Number) ID Number)
4041 Essen Lane, Baton Rouge, Louisiana 70809
- -----------------------------------------------------------------------
(Address of principal executive offices) (Zip Code)
Registrant's Telephone Number,
including area code: (504) 924-6007
--------------
N/A
-------------------------------------------------------------
(Former name or former address, if changed since last report)
<PAGE>
Item 5. Other Events
Filing of Computational Materials and Consent of Independent
Accountants.*
Pursuant to Rule 424(b) under the Securities Act of 1933, as amended,
UCFC Acceptance Corporation (the "Depositor") is filing a prospectus and
prospectus supplement with the Securities and Exchange Commission relating to
its Home Equity Loan Pass-Through Certificates, Series 1996-C1 and 1996-C2.
In connection with the offering of the Home Equity Loan Pass-Through
Certificates, Series 1996-C1 and 1996-C2, Prudential Securities Incorporated
and CS First Boston Corporation, two of the underwriters of the Offered
Certificates (the "Underwriters"), have prepared certain materials (the
"Computational Materials") for distribution to their potential investors.
Although the Depositor provided the Underwriters with certain information
regarding the characteristics of the Home Equity Loans in the related
portfolio, it did not participate in the preparation of the Computational
Materials. The Computational Materials are attached hereto as Exhibit 99.1.
Also included for filing as Exhibit 23.1 attached hereto is the
Consent of Coopers & Lybrand L.L.P., independent accountants for MBIA Insurance
Corporation, insurer of the Offered Certificates.
- ------------------
* Capitalized terms used and not otherwise defined herein shall have the
meanings assigned to them in the Prospectus dated September 24, 1996,
and Prospectus Supplement dated September 24, 1996, of UCFC Acceptance
Corporation, relating to its Home Equity Loan Pass-Through
Certificates, Series 1996-C1 and 1996-C2.
-2-
<PAGE>
Item 7. Financial Statements, Pro Forma Financial Information
and Exhibits.
(a) Not applicable.
(b) Not applicable.
(c) Exhibits:
23.1. Consent of Coopers & Lybrand L.L.P.
99.1. Computational Materials.
-3-
<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.
UCFC ACCEPTANCE CORPORATION
By: /s/ H.C. McCall, III
------------------------
Name: H. C. McCall, III
Title: President
Dated: September 24, 1996
-4-
<PAGE>
EXHIBIT INDEX
Exhibit Page
- ------- ----
23.1. Consent of Coopers & Lybrand L.L.P.
99.1. Computational Materials.
<PAGE>
CONSENT OF INDEPENDENT ACCOUNTANTS
We consent to the incorporation by reference in this Prospectus Supplement dated
September 24, 1996 of our report dated January 22, 1996, on our audits of the
consolidated financial statements of MBIA Insurance Corporation and
Subsidiaries as of December 31, 1995 and 1994 and for the three years ended
December 31, 1995. We also consent to the reference to our firm under the
caption "Experts".
/s/ Coopers & Lybrand L.L.P.
Coopers & Lybrand L.L.P.
September 24, 1996
New York, New York
<PAGE>
PRELIMINARY
BACKGROUND INFORMATION
UCFC LOAN TRUST 1996-C
APPROXIMATE CLASS SIZES
[$95,000,000] Class A-1 FLOATING-RATE CERTIFICATES
(non-SMMEA-eligible)
[$46,209,000] Class A-2 FIXED-RATE CERTIFICATES
(non-SMMEA-eligible)
[$57,161,000] Class A-3 FIXED-RATE CERTIFICATES
(non-SMMEA-eligible)
[$57,269,000] Class A-4 FIXED-RATE CERTIFICATES
(non-SMMEA-eligible)
[$24,060,000] Class A-5 FIXED-RATE CERTIFICATES
(non-SMMEA-eligible)
[$20,301,000] Class A-6 FIXED-RATE CERTIFICATES
(non-SMMEA-eligible)
[$200,000,000] Class A-7 FLOATING-RATE CERTIFICATES
(SMMEA-eligible)
HOME EQUITY LOAN PASS-THROUGH CERTIFICATES, SERIES 1996-C
The information included herein is provided solely by Prudential
Securities Incorporated ("PSI") as underwriter for the UCFC 1996-C
transaction, and not by or as agent for UCFC Acceptance or any of its
affiliates (collectively, the "Depositor"). The Depositor has not
prepared, reviewed or participated in the preparation hereof, is not
responsible for the accuracy hereof and has not authorized the
dissemination hereof. The analysis in this report is accurate to the
best of PSI's knowledge and is based on information provided by the
Depositor. PSI makes no representations as to the accuracy of such
information provided by the Depositor. All opinions and conclusions 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 herein, 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
opinions expressed 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.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
<TABLE>
<CAPTION>
PRICING INFORMATION
-------------------------------
GROUP I FIXED-RATE COLLATERAL
Class: A-1 A-2 A-3 A-4 A-5 A-6
<S> <C> <C> <C> <C> <C> <C>
Approximate
Face Amount: [95,000,000] [46,209,000] [57,161,000] [57,269,000] [24,060,000] [20,301,000]
Coupon: 1M LIBOR + TBD* TBD TBD TBD TBD TBD**
Price: TBD TBD TBD TBD TBD TBD
Yield: TBD TBD TBD TBD TBD TBD
Spread: TBD TBD TBD TBD TBD TBD
Exp Avg Life
to Maturity: [0.91] yrs [2.00] yrs [3.10] yrs [5.00] yrs [7.50] yrs [11.54] yrs
Exp Avg Life
to 10% call: [0.91] yrs [2.00] yrs [3.10] yrs [5.00] yrs [7.27] yrs [7.63] yrs
Exp 1st Prin Pmt: [10/15/96] [05/15/98] [03/15/99] [08/15/00] [03/15/03] [05/15/04]***
Exp Mat: [05/15/98] [03/15/99] [08/15/00] [03/15/03] [05/15/04]*** [05/15/04]***
Stated Mat: [07/15/07] [05/15/10] [11/15/13] [05/15/18] [10/15/23] [12/15/27]
Expected
Rating: AAA/Aaa/AAA AAA/Aaa/AAA AAA/Aaa/AAA AAA/Aaa/AAA AAA/Aaa/AAA AAA/Aaa/AAA
Pricing Spd: 25% HEP 25% HEP 25% HEP 25% HEP 25% HEP 25% HEP
Pricing Date: TBD TBD TBD TBD TBD TBD
Investor
Settle Date: 09/27/96 09/27/96 09/27/96 09/27/96 09/27/96 9/27/96
Pmt Delay: 0 days 14 days 14 days 14 days 14 days 14 days
Cut-off Date: 09/01/96 09/01/96 09/01/96 09/01/96 09/01/96 09/01/96
Dated Date: 09/26/96 09/01/96 09/01/96 09/01/96 09/01/96 09/01/96
Int Pmt: actual/360 30/360 30/360 30/360 30/360 30/360
Pmt Terms: Monthly Monthly Monthly Monthly Monthly Monthly
1st Int. Pmt Date: 10/15/96 10/15/96 10/15/96 10/15/96 10/15/96 10/15/96
Collateral Type: Fixed-Rate Fixed-Rate Fixed-Rate Fixed-Rate Fixed-Rate Fixed-Rate
SMMEA
Eligibility: non-SMMEA non-SMMEA non-SMMEA non-SMMEA non-SMMEA non-SMMEA
</TABLE>
* The Coupon on the Class A-1 Certificates will equal the lesser of:
1) One Month LIBOR + [TBD] bps
2) Group I Net Funds Cap
Group I Net Funds Cap: A rate equal to the weighted average net
coupon rate (i.e., the weighted average
coupon rate less [0.64625]% for
servicing fees, trustee fees and
certificate insurer premiums) for the
Group I fixed-rate collateral for such
Distribution Date.
** Group I Coupon Step-Up: If the Servicer does not exercise its
option to call the Group I Certificates
at the 10% cleanup call date, then the
coupon on the Class A-6 Certificates
shall be raised by 50 bps.
*** To 10% Group I Clean-Up Call.
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS
COLLATERAL TERMSHEETS, AND WILL BE SUPERSEDED BY THE
COLLATERAL INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
PRICING INFORMATION (CONT.)
---------------------------------------
GROUP II FLOATING RATE COLLATERAL
Class: A-8
Approximate
Face Amount: [200,000,000]
Coupon: The least of:
1) 1M LIBOR + [TBD] bps
2) Group II Net Funds Cap (described below)
After the Cleanup Call, the least
of:
1) 1M LIBOR + 2 x [TBD] bps
2) Group II Net Funds Cap
Price: 100-00
Yield: Variable
Spread: [TBD] bps
Index: 1 Month LIBOR
Disc. Margin: [TBD]%
Life Cap: [15.10]%
Avg Life to Call: [3.45] yrs
Avg Life to Maturity: [3.77] yrs
Exp. 1st Prin Payment: [10/15/96]
Exp Mat to Call: [11/15/04]
Exp Mat: [07/15/26]
Stated Mat: [12/15/27]
Expected
Rating: AAA/Aaa/AAA
Pricing Spd: 25% HEP
Pricing Date: TBD
Investor
Settle Date: 09/27/96
Pymt Delay: 0 days
Cut-off Date: 09/01/96
Dated Date: 09/26/96
Int Pymt: actual/360
Pymt Terms: Monthly
1st Int. Pymt Date: 10/15/96
Collateral Type: FLoating-Rate
Elibibility: SMMEA Eligible
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS
COLLATERAL TERMSHEETS, AND WILL BE SUPERSEDED BY THE
COLLATERAL INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
Group II Net Funds Cap:
Group II Adjusted Net Coupon:
Net Coupon - fees ([14.625] bps) - surety carveout ([50] bps)*
The Group II Net Funds Cap on each Distribution Date will be the
lesser of:
1) Weighted Average Gross Life Cap: [ 16.251 ]%
Less Surety carveout [ 0.500 ]% *
Less Servicing [ 0.500 ]%
Less Fees [ 0.14625 ]%
----------
[ 15.10475 ]%
2) Weighted Average Adjusted Net Coupon on the Group II loans
for such Distribution Date.
* Carveout not applicable for the first 6 bond payments.
Monthly Group II Net Funds Cap Summary:
(calculated on 30/360 basis)
Date: 10/96 4/97 10/97 4/98 10/98
Adjusted Net Coupon: [9.61] [9.43] [9.96] [9.96] [10.00]
Margin*: [3.82] [3.64] [4.17] [4.17] [4.21]
*(Assuming 1M LIBOR as of closing of [5.48%] and a spread of [0.31%],
1M LIBOR would have to rise by the corresponding Margin to fully
adjust to the Net Funds Cap under this scenario).
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS
COLLATERAL TERMSHEETS, AND WILL BE SUPERSEDED BY THE
COLLATERAL INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
SUMMARY OF TERMS
--------------------------
Title of Securities: UCFC Loan Trust 1996-C1, Home Equity Loan
Pass-Through Certificates, Series 1996-C1,
Class A-1, A-2, A-3, A-4, A-5 and A-6 (the
"Group I Certificates") UCFC Loan Trust
1996-C2, Home Equity Loan Pass-Through
Certificates, Series 1996-C2, Class A-7
(the "Group II Certificates").
Depositor: UCFC Acceptance Corporation.
Servicer: United Companies Lending Corporation.
Originators: The Home Equity Loans were, and any
Subsequent Loans will be, originated,
either directly or through correspondents
or mortgage brokers, or purchased and
re-underwritten, by United Companies and
certain subsidiaries and affiliates
thereof.
Trustee: Bankers Trust Company of California, N.A.
Aggregate
Certificate Balance: Group I Fixed-Rate (non-SMMEA) $ [300,000,000]
Group II Floating-Rate (SMMEA) $ [200,000,000]
Securities Offered: 100% MBIA-guaranteed, pass-through certificates.
Offering: Public shelf offering -- a prospectus and
prospectus supplement will be distributed
after pricing.
Pricing Date: TBD
Investor
Settlement Date: 09/27/96
Form of Certificates: Book-Entry form, same-day funds through
DTC, Euroclear and CEDEL
Pass-Through Rate: 1-Month LIBOR + [TBD] bps on Class A-1
Certificates *
TBD % on Class A-2 Certificates
TBD % on Class A-3 Certificates
TBD % on Class A-4 Certificates
TBD % on Class A-5 Certificates
TBD % on Class A-6 Certificates
1-Month LIBOR + [TBD] bps on Class A-7
Certificates *
* Subject to the Net Funds Cap for their respective
Loan Group
Prepayment
Assumption: For Class A-1 through A-7, 25% HEP (2.5%
CPR in month 1 with monthly incremental
increases of 2.5% CPR until the speed
reaches 25% CPR in month 10 based on loan
seasoning.) This means that seasoned loans
will start further up on the prepayment
curve.
Principal Paydown: All Group I principal pays Group I bonds
sequentially.
All Group II principal is passed through to
Class A-7.
Payment Date: The 15th day of each month (or, if
any such date is not a business day, the
first business day thereafter) commencing
on October 15, 1996. The payment delay will
be 0 days for the Class A-1 and Class A-7
Certificates and 14 days for the Class A-2,
A-3, A-4, A-5 and A-6 Certificates.
Interest Accrual
Period: The initial interest accrual period on the
Class A-1 and Class A-7 Certificates will
be from September 26th until October 14th.
In future periods, interest on the Class
A-1 and Class A-7 Certificates will accrue
during the period commencing on the 15th
day of the preceding month until the 14th
day of the current month.
Interest on the Class A-2 through A-6
Certificates will accrue from the first day
of the preceeding month until the 30th day
of the preceeding month.
Optional
Cleanup Call: The Servicer may call the Certificates in a
particular Loan Group on any Remittance
Date when the then-outstanding collateral
balance in that Loan Group is less than or
equal to 10% of their original collateral
balance.
Group I
Coupon Step-Up: If the Servicer does not exercise its
option to call the Group I Certificates at
the 10% cleanup call date, then the coupon
on the Class A-6 Certificates shall be
raised by 50 bps. Group II Coupon Step-Up:
If the Servicer does not exercise its
option to call the Group II Certificates at
the 10% cleanup call date, then the coupon
on the Class A-7 Certificates shall be
raised to LIBOR + 2x[TBD] bps subject to
the Group II Net Funds Cap.
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS
COLLATERAL TERMSHEETS, AND WILL BE SUPERSEDED BY THE
COLLATERAL INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
Pre-Funding Account: On the closing date, approximately
[$58,106,547] and [$66,893,453] will be
deposited in pre-funding accounts for the
purchase of additional fixed- and
floating-rate mortgage loans, respectively.
From the closing date until November 15,
1996, the Trust intends to purchase
mortgage loans up to the entire pre-funding
amounts. Funds remaining in either of the
pre-funding accounts that total less than
$100,000 after this period will be
distributed to investors in the related
Class A-1 and Class A-7 Certificates as
prepayments on November 15, 1996. If the
funds remaining in either of the
pre-funding accounts total greater than
$100,000 after this period, the funds will
be distributed on a pro-rata basis to the
investors in the related Class A-1 through
A-6 Certificates in the case of the
fixed-rate prefunding account and to the
investors in the Class A-7 Certificates in
the case of the floating-rate prefunding
account as a prepayment on November 15,
1996. The additional mortgage loans will be
subject to certain aggregate group
characteristics that will be more fully
described in the Prospectus Supplement.
Certificate Insurer: MBIA Insurance Corporation ("MBIA"). MBIA's
claims-paying ability is rated "AAA" by
Standard & Poor's, "Aaa" by Moody's
Investors Service and "AAA" by Fitch
Investors Service, Inc.
Certificate Insurance
Policy: The Certificate Insurance Policy will
provide 100% coverage of timely interest
and ultimate principal payments due on the
Certificates.
Reserve Account: A Reserve account will be available to
cover losses prior to any draw on the
Certificate Insurance Policy. The initial
deposit and maintenance levels of the
reserve account will be sized by the surety
provider.
Servicing Fee: 50 basis points per annum.
ERISA Considerations: The Certificates will be ERISA eligible
after the pre-funding period. However,
investors should consult with their counsel
with respect to the consequences under
ERISA and the Internal Revenue Code of the
Plan's acquisition and ownership of such
Certificates.
Taxation: REMIC.
Legal Investment: Only the Class A-7 Certificates will be
SMMEA-eligible.
Certificates Ratings: "AAA" by S&P, "Aaa" by Moody's, and "AAA"
by Fitch for the Class A-1, A-2, A-3, A-4,
A-5, A-6 and A-7 Certificates.
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS
COLLATERAL TERMSHEETS, AND WILL BE SUPERSEDED BY THE
COLLATERAL INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
Deal ID/CUSIP UCFC6C Coupon * Cap Flr 0.00
Class A1 LIBOR-1M+TBA Accr 0.01557 1st Pmt 10/15/96
Collateral 100%WL (Real) Factor on / /
N/GWAC (Orig) / (11.567/12.067) LIBOR-1M 5.48438
WAM (Orig) (20.664) Mat 07/15/07 Settle 09/27/96
CenterPrice 100-00 Inc 0.5 Table DMrg Act/360 Roll@
HEP 15.00 HEP 18.00 HEP 21.00 HEP 25.00 HEP 28.00 HEP 31.00 HEP 34.00 Price
----- --------- --------- --------- --------- --------- --------- ---------
99-28 21.901 23.227 24.478 26.039 27.134 28.200 29.202
99-28+ 20.662 21.822 22.917 24.282 25.240 26.173 27.050
99-29 19.423 20.418 21.356 22.526 23.347 24.146 24.898
99-29+ 18.185 19.013 19.795 20.770 21.454 22.120 22.746
99-30 16.947 17.609 18.235 19.014 19.561 20.094 20.595
99-30+ 15.709 16.206 16.674 17.259 17.669 18.068 18.444
99-31 14.471 14.802 15.114 15.504 15.777 16.043 16.293
99-31+ 13.234 13.399 13.555 13.749 13.886 14.019 14.144
100-00 11.997 11.996 11.996 11.995 11.995 11.994 11.994
100-00+ 10.760 10.594 10.437 10.241 10.104 9.971 9.845
100-01 9.523 9.191 8.878 8.488 8.214 7.947 7.696
100-01+ 8.287 7.789 7.320 6.734 6.324 5.924 5.548
100-02 7.050 6.387 5.762 4.982 4.434 3.902 3.400
Avg. Life 1.307 1.146 1.027 0.909 0.841 0.784 0.737
Mod. Dur. 1.217 1.074 0.966 0.859 0.796 0.744 0.701
1st Pmt. 0.050 0.050 0.050 0.050 0.050 0.050 0.050
Last Pmt. 2.467 2.133 1.883 1.633 1.467 1.383 1.217
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS
COLLATERAL TERMSHEETS, AND WILL BE SUPERSEDED BY THE
COLLATERAL INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
Deal ID/CUSIP UCFC6C Coupon + 11 Cap Flr 0.00
Class A1 LIBOR-1M+11 Accr 0.01559 1st Pmt 10/15/96
Collateral 100%WL (Real) Factor 1.000000000 on 09/27/96
N/GWAC (Orig) / (11.567/12.067) LIBOR-1M 5.50391
WAM (Orig) (20.664) Mat 07/15/07 Settle 09/27/96
CenterPrice 100-00 Inc 0.5 Table DMrg Act/360 Roll@
HEP 15.00 HEP 18.00 HEP 21.00 HEP 25.00 HEP 28.00 HEP 31.00 HEP 34.00 Price
----- --------- --------- --------- --------- --------- --------- ---------
99-28 20.902 22.228 23.480 25.040 26.135 27.201 28.204
99-28+ 19.663 20.823 21.918 23.284 24.241 25.174 26.051
99-29 18.424 19.419 20.357 21.527 22.348 23.147 23.899
99-29+ 17.186 18.014 18.796 19.771 20.455 21.121 21.747
99-30 15.947 16.610 17.235 18.015 18.562 19.095 19.596
99-30+ 14.709 15.206 15.675 16.260 16.670 17.069 17.445
99-31 13.472 13.803 14.115 14.505 14.778 15.044 15.294
99-31+ 12.234 12.399 12.555 12.750 12.886 13.019 13.144
100-00 10.997 10.996 10.996 10.996 10.995 10.995 10.995
100-00+ 9.760 9.594 9.437 9.242 9.105 8.971 8.845
100-01 8.523 8.191 7.878 7.488 7.214 6.947 6.697
100-01+ 7.287 6.789 6.320 5.735 5.324 4.924 4.548
100-02 6.050 5.387 4.762 3.982 3.435 2.902 2.401
Avg. Life 1.307 1.146 1.027 0.909 0.841 0.784 0.737
Mod. Dur. 1.217 1.074 0.966 0.859 0.796 0.744 0.701
1st Pmt. 0.050 0.050 0.050 0.050 0.050 0.050 0.050
Last Pmt. 2.467 2.133 1.883 1.633 1.467 1.383 1.217
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS COLLATERAL
TERMSHEETS, AND WILL BE SUPERSEDED BY THE COLLATERAL
INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
Deal ID/CUSIP UCFC6C Coupon N/A
Class A2 SEQ Accr 0.50628 1st Pmt 10/15/96
Collateral 100%WL (Real) Factor on / /
N/GWAC (Orig) / (11.567/12.067) LIBOR-1M 5.48438
WAM (Orig) (20.664) Mat 05/15/10 Settle 09/27/96
CenterPrice 100-00 Inc 0.5 Table Yield Roll@
HEP 15.00 HEP 18.00 HEP 21.00 HEP 25.00 HEP 28.00 HEP 31.00 HEP 34.00 Price
----- --------- --------- --------- --------- --------- --------- ---------
99-22+ 7.122 7.123 7.125 7.126 7.128 7.129 7.130
99-23 7.116 7.117 7.117 7.118 7.118 7.119 7.119
99-23+ 7.110 7.110 7.110 7.109 7.109 7.108 7.108
99-24 7.105 7.103 7.102 7.100 7.099 7.098 7.097
99-24+ 7.099 7.097 7.095 7.092 7.090 7.088 7.086
99-25 7.093 7.090 7.087 7.083 7.080 7.077 7.075
99-25+ 7.087 7.083 7.080 7.074 7.071 7.067 7.063
99-26 7.081 7.077 7.072 7.066 7.061 7.057 7.052
99-26+ 7.076 7.070 7.065 7.057 7.052 7.046 7.041
99-27 7.070 7.063 7.057 7.049 7.042 7.036 7.030
99-27+ 7.064 7.057 7.050 7.040 7.033 7.026 7.019
99-28 7.058 7.050 7.042 7.031 7.023 7.016 7.008
99-28+ 7.053 7.044 7.035 7.023 7.014 7.005 6.997
99-29 7.047 7.037 7.027 7.014 7.004 6.995 6.986
99-29+ 7.041 7.030 7.020 7.005 6.995 6.985 6.974
99-30 7.035 7.024 7.012 6.997 6.985 6.974 6.963
99-30+ 7.029 7.017 7.005 6.988 6.976 6.964 6.952
99-31 7.024 7.010 6.997 6.980 6.967 6.954 6.941
99-31+ 7.018 7.004 6.990 6.971 6.957 6.944 6.930
100-00 7.012 6.997 6.982 6.962 6.948 6.933 6.919
100-00+ 7.006 6.990 6.975 6.954 6.938 6.923 6.908
100-01 7.001 6.984 6.967 6.945 6.929 6.913 6.897
100-01+ 6.995 6.977 6.960 6.936 6.919 6.902 6.886
100-02 6.989 6.971 6.952 6.928 6.910 6.892 6.875
100-02+ 6.983 6.964 6.945 6.919 6.900 6.882 6.864
100-03 6.978 6.957 6.937 6.911 6.891 6.872 6.852
100-03+ 6.972 6.951 6.930 6.902 6.881 6.861 6.841
100-04 6.966 6.944 6.922 6.893 6.872 6.851 6.830
100-04+ 6.960 6.937 6.915 6.885 6.863 6.841 6.819
100-05 6.954 6.931 6.907 6.876 6.853 6.831 6.808
100-05+ 6.949 6.924 6.900 6.868 6.844 6.820 6.797
100-06 6.943 6.918 6.892 6.859 6.834 6.810 6.786
100-06+ 6.937 6.911 6.885 6.850 6.825 6.800 6.775
100-07 6.931 6.904 6.877 6.842 6.815 6.790 6.764
100-07+ 6.926 6.898 6.870 6.833 6.806 6.779 6.753
100-08 6.920 6.891 6.862 6.825 6.797 6.769 6.742
100-08+ 6.914 6.884 6.855 6.816 6.787 6.759 6.731
100-09 6.908 6.878 6.847 6.807 6.778 6.749 6.720
100-09+ 6.903 6.871 6.840 6.799 6.768 6.738 6.709
Avg. Life 3.103 2.659 2.328 2.000 1.811 1.658 1.528
Mod. Dur. 2.693 2.343 2.075 1.803 1.644 1.513 1.401
1st Pmt. 2.467 2.133 1.883 1.633 1.467 1.383 1.217
Last Pmt. 3.800 3.300 2.883 2.467 2.217 1.967 1.800
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS
COLLATERAL TERMSHEETS, AND WILL BE SUPERSEDED BY THE
COLLATERAL INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
Deal ID/CUSIP UCFC6C Coupon 6.925
Class A2 SEQ Accr 0.50014 1st Pmt 10/15/96
Collateral 100%WL (Real) Factor 1.000000000 on 09/27/96
N/GWAC (Orig) / (11.567/12.067) LIBOR-1M 5.50391
WAM (Orig) (20.664) Mat 05/15/10 Settle 09/27/96
CenterPrice 99-31+ Inc 0.5 Table Yield Roll@
HEP 15.00 HEP 18.00 HEP 21.00 HEP 25.00 HEP 28.00 HEP 31.00 HEP 34.00 Price
----- --------- --------- --------- --------- --------- --------- ---------
99-22 7.042 7.044 7.046 7.049 7.052 7.054 7.056
99-22+ 7.036 7.037 7.039 7.041 7.042 7.044 7.045
99-23 7.030 7.031 7.031 7.032 7.033 7.033 7.034
99-23+ 7.024 7.024 7.024 7.023 7.023 7.023 7.023
99-24 7.018 7.017 7.016 7.015 7.014 7.013 7.012
99-24+ 7.013 7.011 7.009 7.006 7.004 7.002 7.001
99-25 7.007 7.004 7.001 6.998 6.995 6.992 6.989
99-25+ 7.001 6.997 6.994 6.989 6.985 6.982 6.978
99-26 6.995 6.991 6.986 6.980 6.976 6.972 6.967
99-26+ 6.989 6.984 6.979 6.972 6.966 6.961 6.956
99-27 6.984 6.977 6.971 6.963 6.957 6.951 6.945
99-27+ 6.978 6.971 6.964 6.954 6.947 6.941 6.934
99-28 6.972 6.964 6.956 6.946 6.938 6.930 6.923
99-28+ 6.966 6.958 6.949 6.937 6.928 6.920 6.912
99-29 6.961 6.951 6.941 6.928 6.919 6.910 6.901
99-29+ 6.955 6.944 6.934 6.920 6.910 6.900 6.889
99-30 6.949 6.938 6.926 6.911 6.900 6.889 6.878
99-30+ 6.943 6.931 6.919 6.903 6.891 6.879 6.867
99-31 6.938 6.924 6.911 6.894 6.881 6.869 6.856
99-31+ 6.932 6.918 6.904 6.885 6.872 6.858 6.845
100-00 6.926 6.911 6.896 6.877 6.862 6.848 6.834
100-00+ 6.920 6.905 6.889 6.868 6.853 6.838 6.823
100-01 6.915 6.898 6.881 6.860 6.843 6.828 6.812
100-01+ 6.909 6.891 6.874 6.851 6.834 6.817 6.801
100-02 6.903 6.885 6.866 6.842 6.825 6.807 6.790
100-02+ 6.897 6.878 6.859 6.834 6.815 6.797 6.779
100-03 6.891 6.871 6.851 6.825 6.806 6.787 6.768
100-03+ 6.886 6.865 6.844 6.817 6.796 6.776 6.756
100-04 6.880 6.858 6.837 6.808 6.787 6.766 6.745
100-04+ 6.874 6.852 6.829 6.799 6.777 6.756 6.734
100-05 6.868 6.845 6.822 6.791 6.768 6.746 6.723
100-05+ 6.863 6.838 6.814 6.782 6.759 6.735 6.712
100-06 6.857 6.832 6.807 6.774 6.749 6.725 6.701
100-06+ 6.851 6.825 6.799 6.765 6.740 6.715 6.690
100-07 6.845 6.819 6.792 6.756 6.730 6.705 6.679
100-07+ 6.840 6.812 6.784 6.748 6.721 6.694 6.668
100-08 6.834 6.805 6.777 6.739 6.711 6.684 6.657
100-08+ 6.828 6.799 6.769 6.731 6.702 6.674 6.646
100-09 6.822 6.792 6.762 6.722 6.693 6.664 6.635
Avg. Life 3.103 2.659 2.328 2.000 1.811 1.658 1.528
Mod. Dur. 2.698 2.347 2.078 1.806 1.646 1.514 1.403
1st Pmt. 2.467 2.133 1.883 1.633 1.467 1.383 1.217
Last Pmt. 3.800 3.300 2.883 2.467 2.217 1.967 1.800
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS COLLATERAL
TERMSHEETS, AND WILL BE SUPERSEDED BY THE COLLATERAL
INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
Deal ID/CUSIP UCFC6C Coupon N/A
Class A3 SEQ Accr 0.52108 1st Pmt 10/15/96
Collateral 100%WL (Real) Factor on / /
N/GWAC (Orig) / (11.567/12.067) LIBOR-1M 5.48438
WAM (Orig) (20.664) Mat 11/15/13 Settle 09/27/96
CenterPrice 100-00 Inc 0.5 Table Yield Roll@
HEP 15.00 HEP 18.00 HEP 21.00 HEP 25.00 HEP 28.00 HEP 31.00 HEP 34.00 Price
----- --------- --------- --------- --------- --------- --------- ---------
99-22+ 7.328 7.329 7.329 7.330 7.331 7.331 7.332
99-23 7.324 7.324 7.324 7.324 7.324 7.324 7.324
99-23+ 7.320 7.320 7.319 7.319 7.318 7.317 7.317
99-24 7.317 7.315 7.314 7.313 7.312 7.310 7.309
99-24+ 7.313 7.311 7.309 7.307 7.305 7.303 7.302
99-25 7.309 7.306 7.304 7.301 7.299 7.296 7.294
99-25+ 7.305 7.302 7.299 7.295 7.292 7.289 7.286
99-26 7.301 7.298 7.294 7.290 7.286 7.282 7.279
99-26+ 7.297 7.293 7.289 7.284 7.280 7.275 7.271
99-27 7.293 7.289 7.284 7.278 7.273 7.268 7.264
99-27+ 7.289 7.284 7.279 7.272 7.267 7.261 7.256
99-28 7.285 7.280 7.274 7.266 7.260 7.254 7.249
99-28+ 7.281 7.275 7.269 7.260 7.254 7.248 7.241
99-29 7.277 7.271 7.264 7.255 7.248 7.241 7.233
99-29+ 7.273 7.266 7.259 7.249 7.241 7.234 7.226
99-30 7.270 7.262 7.254 7.243 7.235 7.227 7.218
99-30+ 7.266 7.257 7.249 7.237 7.228 7.220 7.211
99-31 7.262 7.253 7.244 7.231 7.222 7.213 7.203
99-31+ 7.258 7.248 7.239 7.226 7.216 7.206 7.196
100-00 7.254 7.244 7.234 7.220 7.209 7.199 7.188
100-00+ 7.250 7.239 7.229 7.214 7.203 7.192 7.180
100-01 7.246 7.235 7.224 7.208 7.196 7.185 7.173
100-01+ 7.242 7.231 7.219 7.202 7.190 7.178 7.165
100-02 7.238 7.226 7.214 7.197 7.184 7.171 7.158
100-02+ 7.234 7.222 7.209 7.191 7.177 7.164 7.150
100-03 7.231 7.217 7.204 7.185 7.171 7.157 7.143
100-03+ 7.227 7.213 7.198 7.179 7.165 7.150 7.135
100-04 7.223 7.208 7.193 7.173 7.158 7.143 7.127
100-04+ 7.219 7.204 7.188 7.168 7.152 7.136 7.120
100-05 7.215 7.199 7.183 7.162 7.145 7.129 7.112
100-05+ 7.211 7.195 7.178 7.156 7.139 7.122 7.105
100-06 7.207 7.190 7.173 7.150 7.133 7.115 7.097
100-06+ 7.203 7.186 7.168 7.144 7.126 7.108 7.090
100-07 7.199 7.181 7.163 7.139 7.120 7.101 7.082
100-07+ 7.195 7.177 7.158 7.133 7.114 7.094 7.075
100-08 7.192 7.173 7.153 7.127 7.107 7.087 7.067
100-08+ 7.188 7.168 7.148 7.121 7.101 7.080 7.059
100-09 7.184 7.164 7.143 7.116 7.095 7.073 7.052
100-09+ 7.180 7.159 7.138 7.110 7.088 7.066 7.044
Avg. Life 4.901 4.185 3.643 3.100 2.785 2.526 2.310
Mod. Dur. 3.979 3.482 3.089 2.679 2.434 2.229 2.054
1st Pmt. 3.800 3.300 2.883 2.467 2.217 1.967 1.800
Last Pmt. 6.133 5.217 4.550 3.883 3.467 3.133 2.883
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS
COLLATERAL TERMSHEETS, AND WILL BE SUPERSEDED BY THE
COLLATERAL INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
Deal ID/CUSIP UCFC6C Coupon 7.150
Class A3 SEQ Accr 0.51639 1st Pmt 10/15/96
Collateral 100%WL (Real) Factor 1.000000000 on 09/27/96
N/GWAC (Orig) / (11.567/12.067) LIBOR-1M 5.50391
WAM (Orig) (20.664) Mat 11/15/13 Settle 09/27/96
CenterPrice 99-31+ Inc 0.5 Table Yield Roll@
HEP 15.00 HEP 18.00 HEP 21.00 HEP 25.00 HEP 28.00 HEP 31.00 HEP 34.00 Price
----- --------- --------- --------- --------- --------- --------- ---------
99-22 7.266 7.267 7.268 7.270 7.271 7.273 7.274
99-22+ 7.262 7.263 7.263 7.264 7.265 7.266 7.266
99-23 7.258 7.258 7.258 7.258 7.258 7.259 7.259
99-23+ 7.254 7.254 7.253 7.253 7.252 7.252 7.251
99-24 7.250 7.249 7.248 7.247 7.246 7.245 7.244
99-24+ 7.246 7.245 7.243 7.241 7.239 7.238 7.236
99-25 7.242 7.240 7.238 7.235 7.233 7.231 7.228
99-25+ 7.238 7.236 7.233 7.229 7.226 7.224 7.221
99-26 7.235 7.231 7.228 7.224 7.220 7.217 7.213
99-26+ 7.231 7.227 7.223 7.218 7.214 7.210 7.206
99-27 7.227 7.222 7.218 7.212 7.207 7.203 7.198
99-27+ 7.223 7.218 7.213 7.206 7.201 7.196 7.190
99-28 7.219 7.213 7.208 7.200 7.195 7.189 7.183
99-28+ 7.215 7.209 7.203 7.194 7.188 7.182 7.175
99-29 7.211 7.205 7.198 7.189 7.182 7.175 7.168
99-29+ 7.207 7.200 7.193 7.183 7.175 7.168 7.160
99-30 7.203 7.196 7.188 7.177 7.169 7.161 7.153
99-30+ 7.199 7.191 7.183 7.171 7.163 7.154 7.145
99-31 7.196 7.187 7.178 7.165 7.156 7.147 7.137
99-31+ 7.192 7.182 7.173 7.160 7.150 7.140 7.130
100-00 7.188 7.178 7.168 7.154 7.143 7.133 7.122
100-00+ 7.184 7.173 7.163 7.148 7.137 7.126 7.115
100-01 7.180 7.169 7.158 7.142 7.131 7.119 7.107
100-01+ 7.176 7.164 7.153 7.137 7.124 7.112 7.100
100-02 7.172 7.160 7.148 7.131 7.118 7.105 7.092
100-02+ 7.168 7.156 7.143 7.125 7.112 7.098 7.085
100-03 7.164 7.151 7.138 7.119 7.105 7.091 7.077
100-03+ 7.160 7.147 7.133 7.113 7.099 7.084 7.069
100-04 7.157 7.142 7.127 7.108 7.092 7.077 7.062
100-04+ 7.153 7.138 7.122 7.102 7.086 7.070 7.054
100-05 7.149 7.133 7.117 7.096 7.080 7.063 7.047
100-05+ 7.145 7.129 7.112 7.090 7.073 7.056 7.039
100-06 7.141 7.124 7.107 7.084 7.067 7.049 7.032
100-06+ 7.137 7.120 7.102 7.079 7.061 7.042 7.024
100-07 7.133 7.115 7.097 7.073 7.054 7.036 7.017
100-07+ 7.129 7.111 7.092 7.067 7.048 7.029 7.009
100-08 7.125 7.107 7.087 7.061 7.042 7.022 7.002
100-08+ 7.122 7.102 7.082 7.056 7.035 7.015 6.994
100-09 7.118 7.098 7.077 7.050 7.029 7.008 6.986
Avg. Life 4.901 4.185 3.643 3.100 2.785 2.526 2.310
Mod. Dur. 3.986 3.488 3.094 2.683 2.437 2.231 2.056
1st Pmt. 3.800 3.300 2.883 2.467 2.217 1.967 1.800
Last Pmt. 6.133 5.217 4.550 3.883 3.467 3.133 2.883
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS COLLATERAL
TERMSHEETS, AND WILL BE SUPERSEDED BY THE COLLATERAL
INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
Deal ID/CUSIP UCFC6C Coupon N/A
Class A4 SEQ Accr 0.54528 1st Pmt 10/15/96
Collateral 100%WL (Real) Factor on / /
N/GWAC (Orig) / (11.567/12.067) LIBOR-1M 5.48438
WAM (Orig) (20.664) Mat 05/15/18 Settle 09/27/96
CenterPrice 99-31 Inc 0.5 Table Yield Roll@
HEP 15.00 HEP 18.00 HEP 21.00 HEP 25.00 HEP 28.00 HEP 31.00 HEP 34.00 Price
----- --------- --------- --------- --------- --------- --------- ---------
99-21+ 7.676 7.676 7.677 7.678 7.679 7.680 7.681
99-22 7.673 7.673 7.674 7.674 7.675 7.675 7.676
99-22+ 7.670 7.670 7.670 7.670 7.671 7.671 7.671
99-23 7.668 7.667 7.667 7.667 7.666 7.666 7.666
99-23+ 7.665 7.664 7.664 7.663 7.662 7.661 7.661
99-24 7.662 7.661 7.660 7.659 7.658 7.657 7.656
99-24+ 7.659 7.658 7.657 7.655 7.653 7.652 7.650
99-25 7.657 7.655 7.653 7.651 7.649 7.647 7.645
99-25+ 7.654 7.652 7.650 7.647 7.645 7.643 7.640
99-26 7.651 7.649 7.647 7.643 7.641 7.638 7.635
99-26+ 7.648 7.646 7.643 7.639 7.636 7.633 7.630
99-27 7.646 7.643 7.640 7.635 7.632 7.629 7.625
99-27+ 7.643 7.640 7.636 7.632 7.628 7.624 7.620
99-28 7.640 7.637 7.633 7.628 7.624 7.619 7.615
99-28+ 7.637 7.634 7.629 7.624 7.619 7.615 7.610
99-29 7.635 7.631 7.626 7.620 7.615 7.610 7.605
99-29+ 7.632 7.627 7.623 7.616 7.611 7.605 7.600
99-30 7.629 7.624 7.619 7.612 7.607 7.601 7.595
99-30+ 7.627 7.621 7.616 7.608 7.602 7.596 7.590
99-31 7.624 7.618 7.612 7.604 7.598 7.592 7.585
99-31+ 7.621 7.615 7.609 7.600 7.594 7.587 7.580
100-00 7.618 7.612 7.606 7.597 7.590 7.582 7.575
100-00+ 7.616 7.609 7.602 7.593 7.585 7.578 7.570
100-01 7.613 7.606 7.599 7.589 7.581 7.573 7.565
100-01+ 7.610 7.603 7.595 7.585 7.577 7.568 7.560
100-02 7.607 7.600 7.592 7.581 7.573 7.564 7.555
100-02+ 7.605 7.597 7.589 7.577 7.568 7.559 7.550
100-03 7.602 7.594 7.585 7.573 7.564 7.554 7.545
100-03+ 7.599 7.591 7.582 7.569 7.560 7.550 7.540
100-04 7.597 7.588 7.578 7.566 7.556 7.545 7.535
100-04+ 7.594 7.585 7.575 7.562 7.551 7.541 7.530
100-05 7.591 7.582 7.572 7.558 7.547 7.536 7.525
100-05+ 7.588 7.579 7.568 7.554 7.543 7.531 7.520
100-06 7.586 7.576 7.565 7.550 7.539 7.527 7.515
100-06+ 7.583 7.573 7.562 7.546 7.534 7.522 7.509
100-07 7.580 7.569 7.558 7.542 7.530 7.517 7.504
100-07+ 7.578 7.566 7.555 7.538 7.526 7.513 7.499
100-08 7.575 7.563 7.551 7.535 7.522 7.508 7.494
100-08+ 7.572 7.560 7.548 7.531 7.517 7.504 7.489
Avg. Life 7.866 6.760 5.892 5.000 4.475 4.039 3.673
Mod. Dur. 5.701 5.089 4.572 4.005 3.652 3.350 3.087
1st Pmt. 6.133 5.217 4.550 3.883 3.467 3.133 2.883
Last Pmt. 10.050 8.717 7.633 6.467 5.800 5.217 4.717
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS
COLLATERAL TERMSHEETS, AND WILL BE SUPERSEDED BY THE
COLLATERAL INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
Deal ID/CUSIP UCFC6C Coupon 7.475
Class A4 SEQ Accr 0.53986 1st Pmt 10/15/96
Collateral 100%WL (Real) Factor 1.000000000 on 09/27/96
N/GWAC (Orig) / (11.567/12.067) LIBOR-1M 5.50391
WAM (Orig) (20.664) Mat 05/15/18 Settle 09/27/96
CenterPrice 99-30+ Inc 0.5 Table Yield Roll@
HEP 15.00 HEP 18.00 HEP 21.00 HEP 25.00 HEP 28.00 HEP 31.00 HEP 34.00
Price
----- --------- --------- --------- --------- --------- --------- ---------
99-21 7.602 7.603 7.604 7.605 7.607 7.608 7.609
99-21+ 7.599 7.600 7.600 7.602 7.602 7.603 7.604
99-22 7.596 7.597 7.597 7.598 7.598 7.599 7.599
99-22+ 7.593 7.593 7.594 7.594 7.594 7.594 7.594
99-23 7.591 7.590 7.590 7.590 7.590 7.589 7.589
99-23+ 7.588 7.587 7.587 7.586 7.585 7.585 7.584
99-24 7.585 7.584 7.583 7.582 7.581 7.580 7.579
99-24+ 7.582 7.581 7.580 7.578 7.577 7.575 7.574
99-25 7.580 7.578 7.577 7.574 7.573 7.571 7.569
99-25+ 7.577 7.575 7.573 7.570 7.568 7.566 7.564
99-26 7.574 7.572 7.570 7.567 7.564 7.562 7.559
99-26+ 7.572 7.569 7.566 7.563 7.560 7.557 7.554
99-27 7.569 7.566 7.563 7.559 7.556 7.552 7.549
99-27+ 7.566 7.563 7.560 7.555 7.551 7.548 7.544
99-28 7.563 7.560 7.556 7.551 7.547 7.543 7.539
99-28+ 7.561 7.557 7.553 7.547 7.543 7.538 7.534
99-29 7.558 7.554 7.549 7.543 7.539 7.534 7.529
99-29+ 7.555 7.551 7.546 7.539 7.534 7.529 7.524
99-30 7.553 7.548 7.543 7.536 7.530 7.524 7.519
99-30+ 7.550 7.545 7.539 7.532 7.526 7.520 7.514
99-31 7.547 7.542 7.536 7.528 7.522 7.515 7.509
99-31+ 7.544 7.539 7.532 7.524 7.517 7.511 7.504
100-00 7.542 7.536 7.529 7.520 7.513 7.506 7.499
100-00+ 7.539 7.532 7.526 7.516 7.509 7.501 7.494
100-01 7.536 7.529 7.522 7.512 7.505 7.497 7.489
100-01+ 7.533 7.526 7.519 7.508 7.500 7.492 7.483
100-02 7.531 7.523 7.516 7.505 7.496 7.487 7.478
100-02+ 7.528 7.520 7.512 7.501 7.492 7.483 7.473
100-03 7.525 7.517 7.509 7.497 7.488 7.478 7.468
100-03+ 7.523 7.514 7.505 7.493 7.483 7.474 7.463
100-04 7.520 7.511 7.502 7.489 7.479 7.469 7.458
100-04+ 7.517 7.508 7.499 7.485 7.475 7.464 7.453
100-05 7.514 7.505 7.495 7.481 7.471 7.460 7.448
100-05+ 7.512 7.502 7.492 7.478 7.466 7.455 7.443
100-06 7.509 7.499 7.488 7.474 7.462 7.450 7.438
100-06+ 7.506 7.496 7.485 7.470 7.458 7.446 7.433
100-07 7.504 7.493 7.482 7.466 7.454 7.441 7.428
100-07+ 7.501 7.490 7.478 7.462 7.450 7.437 7.423
100-08 7.498 7.487 7.475 7.458 7.445 7.432 7.418
Avg. Life 7.866 6.760 5.892 5.000 4.475 4.039 3.673
Mod. Dur. 5.718 5.102 4.583 4.013 3.659 3.355 3.092
1st Pmt. 6.133 5.217 4.550 3.883 3.467 3.133 2.883
Last Pmt. 10.050 8.717 7.633 6.467 5.800 5.217 4.717
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS
COLLATERAL TERMSHEETS, AND WILL BE SUPERSEDED BY THE
COLLATERAL INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
****************** TO CALL *********************
Deal ID/CUSIP UCFC6C Coupon N/A
Class A5 SEQ Accr 0.56875 1st Pmt 10/15/96
Collateral 100%WL (Real) Factor on / /
N/GWAC (Orig) / (11.567/12.067) LIBOR-1M 5.48438
WAM (Orig) (20.664) Mat 10/15/23 Settle 09/27/96
CenterPrice 100-00+ Inc 0.5 Table Yield Roll@
HEP 15.00 HEP 18.00 HEP 21.00 HEP 25.00 HEP 28.00 HEP 31.00 HEP 34.00 Price
----- --------- --------- --------- --------- --------- --------- ---------
99-23 8.002 8.001 8.001 8.001 8.000 8.000 7.999
99-23+ 8.000 7.999 7.998 7.998 7.997 7.996 7.996
99-24 7.997 7.997 7.996 7.995 7.994 7.993 7.992
99-24+ 7.995 7.994 7.993 7.992 7.991 7.989 7.988
99-25 7.993 7.992 7.991 7.989 7.987 7.986 7.984
99-25+ 7.991 7.990 7.988 7.986 7.984 7.983 7.981
99-26 7.989 7.987 7.985 7.983 7.981 7.979 7.977
99-26+ 7.987 7.985 7.983 7.980 7.978 7.976 7.973
99-27 7.984 7.982 7.980 7.977 7.975 7.972 7.970
99-27+ 7.982 7.980 7.978 7.974 7.972 7.969 7.966
99-28 7.980 7.978 7.975 7.971 7.968 7.965 7.962
99-28+ 7.978 7.975 7.972 7.968 7.965 7.962 7.958
99-29 7.976 7.973 7.970 7.966 7.962 7.959 7.955
99-29+ 7.974 7.971 7.967 7.963 7.959 7.955 7.951
99-30 7.971 7.968 7.965 7.960 7.956 7.952 7.947
99-30+ 7.969 7.966 7.962 7.957 7.953 7.948 7.944
99-31 7.967 7.963 7.959 7.954 7.949 7.945 7.940
99-31+ 7.965 7.961 7.957 7.951 7.946 7.941 7.936
100-00 7.963 7.959 7.954 7.948 7.943 7.938 7.933
100-00+ 7.961 7.956 7.952 7.945 7.940 7.935 7.929
100-01 7.958 7.954 7.949 7.942 7.937 7.931 7.925
100-01+ 7.956 7.952 7.947 7.939 7.934 7.928 7.921
100-02 7.954 7.949 7.944 7.936 7.931 7.924 7.918
100-02+ 7.952 7.947 7.941 7.933 7.927 7.921 7.914
100-03 7.950 7.944 7.939 7.931 7.924 7.917 7.910
100-03+ 7.948 7.942 7.936 7.928 7.921 7.914 7.907
100-04 7.945 7.940 7.934 7.925 7.918 7.911 7.903
100-04+ 7.943 7.937 7.931 7.922 7.915 7.907 7.899
100-05 7.941 7.935 7.928 7.919 7.912 7.904 7.896
100-05+ 7.939 7.933 7.926 7.916 7.908 7.900 7.892
100-06 7.937 7.930 7.923 7.913 7.905 7.897 7.888
100-06+ 7.935 7.928 7.921 7.910 7.902 7.894 7.885
100-07 7.932 7.926 7.918 7.907 7.899 7.890 7.881
100-07+ 7.930 7.923 7.915 7.904 7.896 7.887 7.877
100-08 7.928 7.921 7.913 7.901 7.893 7.883 7.874
100-08+ 7.926 7.918 7.910 7.899 7.890 7.880 7.870
100-09 7.924 7.916 7.908 7.896 7.886 7.877 7.866
100-09+ 7.922 7.914 7.905 7.893 7.883 7.873 7.862
100-10 7.920 7.911 7.903 7.890 7.880 7.870 7.859
Avg. Life 11.208 9.736 8.540 7.271 6.529 5.892 5.345
Mod. Dur. 7.175 6.551 5.989 5.332 4.917 4.540 4.201
1st Pmt. 10.050 8.717 7.633 6.467 5.800 5.217 4.717
Last Pmt. 06/15/08 12/15/06 09/15/05 05/15/04 08/15/03 12/15/02 05/15/02
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS
COLLATERAL TERMSHEETS, AND WILL BE SUPERSEDED BY THE
COLLATERAL INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
************** TO CALL *************
Deal ID/CUSIP UCFC6C Coupon 7.800
Class A5 SEQ Accr 0.56333 1st Pmt 10/15/96
Collateral 100%WL (Real) Factor 1.000000000 on 09/27/96
N/GWAC (Orig) / (11.567/12.067) LIBOR-1M 5.50391
WAM (Orig) (20.664) Mat 10/15/23 Settle 09/27/96
CenterPrice 99-29 Inc 0.5 Table Yield Roll@
HEP 15.00 HEP 18.00 HEP 21.00 HEP 25.00 HEP 28.00 HEP 31.00 HEP 34.00 Price
----- --------- --------- --------- --------- --------- --------- ---------
99-19+ 7.940 7.941 7.942 7.944 7.945 7.947 7.948
99-20 7.938 7.939 7.940 7.941 7.942 7.943 7.945
99-20+ 7.936 7.936 7.937 7.938 7.939 7.940 7.941
99-21 7.933 7.934 7.934 7.935 7.936 7.937 7.937
99-21+ 7.931 7.932 7.932 7.932 7.933 7.933 7.934
99-22 7.929 7.929 7.929 7.929 7.930 7.930 7.930
99-22+ 7.927 7.927 7.927 7.927 7.926 7.926 7.926
99-23 7.925 7.924 7.924 7.924 7.923 7.923 7.922
99-23+ 7.923 7.922 7.922 7.921 7.920 7.919 7.919
99-24 7.920 7.920 7.919 7.918 7.917 7.916 7.915
99-24+ 7.918 7.917 7.916 7.915 7.914 7.913 7.911
99-25 7.916 7.915 7.914 7.912 7.911 7.909 7.908
99-25+ 7.914 7.913 7.911 7.909 7.907 7.906 7.904
99-26 7.912 7.910 7.909 7.906 7.904 7.902 7.900
99-26+ 7.910 7.908 7.906 7.903 7.901 7.899 7.897
99-27 7.907 7.905 7.903 7.900 7.898 7.896 7.893
99-27+ 7.905 7.903 7.901 7.897 7.895 7.892 7.889
99-28 7.903 7.901 7.898 7.895 7.892 7.889 7.886
99-28+ 7.901 7.898 7.896 7.892 7.889 7.885 7.882
99-29 7.899 7.896 7.893 7.889 7.885 7.882 7.878
99-29+ 7.897 7.894 7.890 7.886 7.882 7.878 7.874
99-30 7.894 7.891 7.888 7.883 7.879 7.875 7.871
99-30+ 7.892 7.889 7.885 7.880 7.876 7.872 7.867
99-31 7.890 7.887 7.883 7.877 7.873 7.868 7.863
99-31+ 7.888 7.884 7.880 7.874 7.870 7.865 7.860
100-00 7.886 7.882 7.877 7.871 7.866 7.861 7.856
100-00+ 7.884 7.879 7.875 7.868 7.863 7.858 7.852
100-01 7.882 7.877 7.872 7.865 7.860 7.855 7.849
100-01+ 7.879 7.875 7.870 7.863 7.857 7.851 7.845
100-02 7.877 7.872 7.867 7.860 7.854 7.848 7.841
100-02+ 7.875 7.870 7.865 7.857 7.851 7.844 7.838
100-03 7.873 7.868 7.862 7.854 7.848 7.841 7.834
100-03+ 7.871 7.865 7.859 7.851 7.844 7.837 7.830
100-04 7.869 7.863 7.857 7.848 7.841 7.834 7.826
100-04+ 7.866 7.861 7.854 7.845 7.838 7.831 7.823
100-05 7.864 7.858 7.852 7.842 7.835 7.827 7.819
100-05+ 7.862 7.856 7.849 7.839 7.832 7.824 7.815
100-06 7.860 7.853 7.846 7.836 7.829 7.820 7.812
100-06+ 7.858 7.851 7.844 7.834 7.826 7.817 7.808
Avg. Life 11.208 9.736 8.540 7.271 6.529 5.892 5.345
Mod. Dur. 7.201 6.572 6.006 5.346 4.928 4.549 4.209
1st Pmt. 10.050 8.717 7.633 6.467 5.800 5.217 4.717
Last Pmt. 06/15/08 12/15/06 09/15/05 05/15/04 08/15/03 12/15/02 05/15/02
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS COLLATERAL
TERMSHEETS, AND WILL BE SUPERSEDED BY THE COLLATERAL
INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
****************** TO MATURITY *********************
Deal ID/CUSIP UCFC6C Coupon N/A
Class A5 SEQ Accr 0.56875 1st Pmt 10/15/96
Collateral 100%WL (Real) Factor on / /
N/GWAC (Orig) / (11.567/12.067) LIBOR-1M 5.48438
WAM (Orig) (20.664) Mat 10/15/23 Settle 09/27/96
CenterPrice 100-00+ Inc 0.5 Table Yield Roll@
HEP 15.00 HEP 18.00 HEP 21.00 HEP 25.00 HEP 28.00 HEP 31.00 HEP 34.00 Price
----- --------- --------- --------- --------- --------- --------- ---------
99-23 8.002 8.002 8.001 8.001 8.000 8.000 7.999
99-23+ 8.000 7.999 7.999 7.998 7.997 7.996 7.996
99-24 7.998 7.997 7.996 7.995 7.994 7.993 7.992
99-24+ 7.995 7.995 7.994 7.992 7.991 7.990 7.989
99-25 7.993 7.992 7.991 7.989 7.988 7.986 7.985
99-25+ 7.991 7.990 7.988 7.986 7.985 7.983 7.981
99-26 7.989 7.987 7.986 7.984 7.982 7.980 7.978
99-26+ 7.987 7.985 7.983 7.981 7.979 7.976 7.974
99-27 7.985 7.983 7.981 7.978 7.975 7.973 7.970
99-27+ 7.983 7.980 7.978 7.975 7.972 7.970 7.967
99-28 7.980 7.978 7.976 7.972 7.969 7.966 7.963
99-28+ 7.978 7.976 7.973 7.969 7.966 7.963 7.960
99-29 7.976 7.973 7.971 7.966 7.963 7.960 7.956
99-29+ 7.974 7.971 7.968 7.964 7.960 7.956 7.952
99-30 7.972 7.969 7.965 7.961 7.957 7.953 7.949
99-30+ 7.970 7.966 7.963 7.958 7.954 7.949 7.945
99-31 7.968 7.964 7.960 7.955 7.951 7.946 7.941
99-31+ 7.966 7.962 7.958 7.952 7.948 7.943 7.938
100-00 7.963 7.960 7.955 7.949 7.944 7.939 7.934
100-00+ 7.961 7.957 7.953 7.946 7.941 7.936 7.931
100-01 7.959 7.955 7.950 7.944 7.938 7.933 7.927
100-01+ 7.957 7.953 7.948 7.941 7.935 7.929 7.923
100-02 7.955 7.950 7.945 7.938 7.932 7.926 7.920
100-02+ 7.953 7.948 7.943 7.935 7.929 7.923 7.916
100-03 7.951 7.946 7.940 7.932 7.926 7.919 7.913
100-03+ 7.948 7.943 7.937 7.929 7.923 7.916 7.909
100-04 7.946 7.941 7.935 7.926 7.920 7.913 7.905
100-04+ 7.944 7.939 7.932 7.924 7.917 7.909 7.902
100-05 7.942 7.936 7.930 7.921 7.914 7.906 7.898
100-05+ 7.940 7.934 7.927 7.918 7.910 7.903 7.894
100-06 7.938 7.932 7.925 7.915 7.907 7.899 7.891
100-06+ 7.936 7.929 7.922 7.912 7.904 7.896 7.887
100-07 7.934 7.927 7.920 7.909 7.901 7.893 7.884
100-07+ 7.931 7.925 7.917 7.907 7.898 7.889 7.880
100-08 7.929 7.922 7.915 7.904 7.895 7.886 7.876
100-08+ 7.927 7.920 7.912 7.901 7.892 7.883 7.873
100-09 7.925 7.918 7.910 7.898 7.889 7.879 7.869
100-09+ 7.923 7.915 7.907 7.895 7.886 7.876 7.866
100-10 7.921 7.913 7.904 7.892 7.883 7.873 7.862
Avg. Life 11.516 10.020 8.795 7.500 6.718 6.060 5.501
Mod. Dur. 7.289 6.670 6.106 5.450 5.020 4.637 4.296
1st Pmt. 10.050 8.717 7.633 6.467 5.800 5.217 4.717
Last Pmt. 13.300 11.717 10.300 8.800 7.883 7.133 6.467
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS
COLLATERAL TERMSHEETS, AND WILL BE SUPERSEDED BY THE
COLLATERAL INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
************** TO CALL *************
Deal ID/CUSIP UCFC6C Coupon 7.825
Class A6 SEQ Accr 0.56514 1st Pmt 10/15/96
Collateral 100%WL (Real) Factor 1.000000000 on 09/27/96
N/GWAC (Orig) / (11.567/12.067) LIBOR-1M 5.50391
WAM (Orig) (20.664) Mat 12/15/27 Settle 09/27/96
CenterPrice 99-24+ Inc 0.5 Table Yield Roll@
HEP 15.00 HEP 18.00 HEP 21.00 HEP 25.00 HEP 28.00 HEP 31.00 HEP 34.00 Price
----- --------- --------- --------- --------- --------- --------- ---------
99-15 7.984 7.987 7.990 7.995 7.998 8.001 8.005
99-15+ 7.982 7.985 7.988 7.992 7.995 7.998 8.002
99-16 7.980 7.982 7.985 7.989 7.992 7.995 7.998
99-16+ 7.978 7.980 7.983 7.986 7.989 7.991 7.995
99-17 7.976 7.978 7.980 7.983 7.986 7.988 7.991
99-17+ 7.974 7.976 7.978 7.980 7.983 7.985 7.987
99-18 7.972 7.973 7.975 7.978 7.980 7.982 7.984
99-18+ 7.969 7.971 7.973 7.975 7.976 7.978 7.980
99-19 7.967 7.969 7.970 7.972 7.973 7.975 7.977
99-19+ 7.965 7.966 7.967 7.969 7.970 7.972 7.973
99-20 7.963 7.964 7.965 7.966 7.967 7.968 7.970
99-20+ 7.961 7.962 7.962 7.964 7.964 7.965 7.966
99-21 7.959 7.959 7.960 7.961 7.961 7.962 7.963
99-21+ 7.957 7.957 7.957 7.958 7.958 7.959 7.959
99-22 7.955 7.955 7.955 7.955 7.955 7.955 7.955
99-22+ 7.953 7.953 7.952 7.952 7.952 7.952 7.952
99-23 7.950 7.950 7.950 7.949 7.949 7.949 7.948
99-23+ 7.948 7.948 7.947 7.947 7.946 7.945 7.945
99-24 7.946 7.946 7.945 7.944 7.943 7.942 7.941
99-24+ 7.944 7.943 7.942 7.941 7.940 7.939 7.938
99-25 7.942 7.941 7.940 7.938 7.937 7.936 7.934
99-25+ 7.940 7.939 7.937 7.935 7.934 7.932 7.931
99-26 7.938 7.936 7.935 7.933 7.931 7.929 7.927
99-26+ 7.936 7.934 7.932 7.930 7.928 7.926 7.923
99-27 7.934 7.932 7.930 7.927 7.925 7.922 7.920
99-27+ 7.932 7.930 7.927 7.924 7.922 7.919 7.916
99-28 7.929 7.927 7.925 7.921 7.919 7.916 7.913
99-28+ 7.927 7.925 7.922 7.919 7.916 7.913 7.909
99-29 7.925 7.923 7.920 7.916 7.913 7.909 7.906
99-29+ 7.923 7.920 7.917 7.913 7.910 7.906 7.902
99-30 7.921 7.918 7.915 7.910 7.907 7.903 7.899
99-30+ 7.919 7.916 7.912 7.907 7.904 7.900 7.895
99-31 7.917 7.913 7.910 7.904 7.901 7.896 7.892
99-31+ 7.915 7.911 7.907 7.902 7.898 7.893 7.888
100-00 7.913 7.909 7.905 7.899 7.894 7.890 7.885
100-00+ 7.911 7.907 7.902 7.896 7.891 7.886 7.881
100-01 7.908 7.904 7.900 7.893 7.888 7.883 7.877
100-01+ 7.906 7.902 7.897 7.890 7.885 7.880 7.874
100-02 7.904 7.900 7.895 7.888 7.882 7.877 7.870
Avg. Life 11.717 10.217 8.967 7.633 6.883 6.217 5.633
Mod. Dur. 7.393 6.779 6.209 5.537 5.127 4.742 4.388
1st Pmt. 11.717 10.217 8.967 7.633 6.883 6.217 5.633
Last Pmt. 06/15/08 12/15/06 09/15/05 05/15/04 08/15/03 12/15/02 05/15/02
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS COLLATERAL
TERMSHEETS, AND WILL BE SUPERSEDED BY THE COLLATERAL
INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
****************** TO CALL *********************
Deal ID/CUSIP UCFC6C Coupon N/A
Class A6 SEQ Accr 0.57417 1st Pmt 10/15/96
Collateral 100%WL (Real) Factor on / /
N/GWAC (Orig) / (11.567/12.067) LIBOR-1M 5.48438
WAM (Orig) (20.664) Mat 12/15/27 Settle 09/27/96
CenterPrice 99-30+ Inc 0.5 Table Yield Roll@
HEP 15.00 HEP 18.00 HEP 21.00 HEP 25.00 HEP 28.00 HEP 31.00 HEP 34.00 Price
----- --------- --------- --------- --------- --------- --------- ---------
99-21 8.087 8.088 8.088 8.089 8.089 8.090 8.091
99-21+ 8.085 8.086 8.086 8.086 8.086 8.087 8.087
99-22 8.083 8.083 8.083 8.083 8.083 8.083 8.083
99-22+ 8.081 8.081 8.081 8.081 8.080 8.080 8.080
99-23 8.079 8.079 8.078 8.078 8.077 8.077 8.076
99-23+ 8.077 8.076 8.076 8.075 8.074 8.074 8.073
99-24 8.075 8.074 8.073 8.072 8.071 8.070 8.069
99-24+ 8.073 8.072 8.071 8.069 8.068 8.067 8.066
99-25 8.070 8.069 8.068 8.066 8.065 8.064 8.062
99-25+ 8.068 8.067 8.066 8.064 8.062 8.060 8.059
99-26 8.066 8.065 8.063 8.061 8.059 8.057 8.055
99-26+ 8.064 8.062 8.061 8.058 8.056 8.054 8.051
99-27 8.062 8.060 8.058 8.055 8.053 8.050 8.048
99-27+ 8.060 8.058 8.056 8.052 8.050 8.047 8.044
99-28 8.058 8.056 8.053 8.049 8.047 8.044 8.041
99-28+ 8.056 8.053 8.051 8.047 8.044 8.041 8.037
99-29 8.054 8.051 8.048 8.044 8.041 8.037 8.034
99-29+ 8.051 8.049 8.045 8.041 8.038 8.034 8.030
99-30 8.049 8.046 8.043 8.038 8.035 8.031 8.027
99-30+ 8.047 8.044 8.040 8.035 8.032 8.027 8.023
99-31 8.045 8.042 8.038 8.033 8.029 8.024 8.019
99-31+ 8.043 8.039 8.035 8.030 8.025 8.021 8.016
100-00 8.041 8.037 8.033 8.027 8.022 8.018 8.012
100-00+ 8.039 8.035 8.030 8.024 8.019 8.014 8.009
100-01 8.037 8.032 8.028 8.021 8.016 8.011 8.005
100-01+ 8.035 8.030 8.025 8.018 8.013 8.008 8.002
100-02 8.032 8.028 8.023 8.016 8.010 8.004 7.998
100-02+ 8.030 8.026 8.020 8.013 8.007 8.001 7.995
100-03 8.028 8.023 8.018 8.010 8.004 7.998 7.991
100-03+ 8.026 8.021 8.015 8.007 8.001 7.995 7.987
100-04 8.024 8.019 8.013 8.004 7.998 7.991 7.984
100-04+ 8.022 8.016 8.010 8.002 7.995 7.988 7.980
100-05 8.020 8.014 8.008 7.999 7.992 7.985 7.977
100-05+ 8.018 8.012 8.005 7.996 7.989 7.981 7.973
100-06 8.016 8.009 8.003 7.993 7.986 7.978 7.970
100-06+ 8.013 8.007 8.000 7.990 7.983 7.975 7.966
100-07 8.011 8.005 7.998 7.987 7.980 7.972 7.963
100-07+ 8.009 8.003 7.995 7.985 7.977 7.968 7.959
100-08 8.007 8.000 7.993 7.982 7.974 7.965 7.956
Avg. Life 11.717 10.217 8.967 7.633 6.883 6.217 5.633
Mod. Dur. 7.348 6.742 6.178 5.513 5.107 4.725 4.373
1st Pmt. 11.717 10.217 8.967 7.633 6.883 6.217 5.633
Last Pmt. 06/15/08 12/15/06 09/15/05 05/15/04 08/15/03 12/15/02 05/15/02
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS
COLLATERAL TERMSHEETS, AND WILL BE SUPERSEDED BY THE
COLLATERAL INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
****************** TO CALL *********************
Deal ID/CUSIP UCFC6CA Coupon * Cap Flr 0.00
Class A7 LIBOR-1M+TBA, F 0 Accr 0.01610 1st Pmt 10/15/96
Collateral 100%FN (Real) Factor on / /
N/GWAC (Orig) / (9.754/10.254) LIBOR-1M 5.48438
WAM (Orig) (26.760) Mat 12/15/27 Settle 09/27/96
CenterPrice 100-00 Inc 0.5 Table DMrg Act/360 Roll@
HEP 15.00 HEP 18.00 HEP 21.00 HEP 25.00 HEP 28.00 HEP 31.00 HEP 34.00 Price
----- --------- --------- --------- --------- --------- --------- ---------
99-28 33.800 34.198 34.602 35.148 35.563 35.982 36.396
99-28+ 33.450 33.798 34.151 34.629 34.992 35.359 35.721
99-29 33.099 33.398 33.701 34.110 34.421 34.735 35.046
99-29+ 32.749 32.998 33.250 33.591 33.850 34.112 34.371
99-30 32.399 32.598 32.800 33.072 33.280 33.489 33.696
99-30+ 32.049 32.198 32.349 32.554 32.709 32.866 33.021
99-31 31.699 31.798 31.899 32.035 32.139 32.243 32.347
99-31+ 31.349 31.398 31.449 31.517 31.568 31.621 31.672
100-00 30.999 30.999 30.999 30.998 30.998 30.998 30.998
100-00+ 30.649 30.599 30.549 30.480 30.428 30.376 30.324
100-01 30.300 30.200 30.099 29.962 29.858 29.754 29.650
100-01+ 29.950 29.801 29.649 29.444 29.289 29.132 28.976
100-02 29.600 29.402 29.200 28.927 28.719 28.510 28.303
Avg. Life 5.577 4.717 4.078 3.446 3.084 2.789 2.547
Mod. Dur. 4.297 3.763 3.341 2.901 2.638 2.416 2.231
1st Pmt. 0.050 0.050 0.050 0.050 0.050 0.050 0.050
Last Pmt. 02/15/10 01/15/08 06/15/06 11/15/04 12/15/03 03/15/03 08/15/02
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS
COLLATERAL TERMSHEETS, AND WILL BE SUPERSEDED BY THE
COLLATERAL INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
************** TO CALL *************
Deal ID/CUSIP UCFC6C Coupon + 30 Cap Flr 0.00
Class A7 LIBOR-1M+30 LIBOR-1M+30 Accr 0.01612 1st Pmt 10/15/96
Collateral 100%WL (Real) Factor on / /
N/GWAC (Orig) / (9.754/10.254) LIBOR-1M 5.50391
WAM (Orig) (26.760) Mat 12/15/27 Settle 09/27/96
CenterPrice 100-00 Inc 0.5 Table DMrg Act/360 Roll@
HEP 15.00 HEP 18.00 HEP 21.00 HEP 25.00 HEP 28.00 HEP 31.00 HEP 34.00
Price
----- --------- --------- --------- --------- --------- --------- ---------
99-22+ 36.664 37.610 38.572 39.871 40.858 41.853 42.839
99-23 36.313 37.209 38.119 39.350 40.285 41.228 42.162
99-23+ 35.961 36.807 37.667 38.829 39.712 40.603 41.484
99-24 35.610 36.406 37.215 38.309 39.140 39.978 40.807
99-24+ 35.258 36.005 36.763 37.788 38.567 39.353 40.131
99-25 34.907 35.603 36.312 37.268 37.995 38.728 39.454
99-25+ 34.556 35.202 35.860 36.748 37.423 38.104 38.777
99-26 34.205 34.802 35.408 36.228 36.851 37.479 38.101
99-26+ 33.854 34.401 34.957 35.708 36.279 36.855 37.425
99-27 33.503 34.000 34.506 35.189 35.707 36.231 36.749
99-27+ 33.152 33.600 34.054 34.669 35.136 35.607 36.073
99-28 32.801 33.199 33.603 34.149 34.565 34.983 35.398
99-28+ 32.451 32.799 33.152 33.630 33.993 34.359 34.722
99-29 32.100 32.398 32.701 33.111 33.422 33.736 34.047
99-29+ 31.750 31.998 32.251 32.592 32.851 33.113 33.372
99-30 31.399 31.598 31.800 32.073 32.280 32.489 32.697
99-30+ 31.049 31.198 31.350 31.554 31.710 31.866 32.022
99-31 30.699 30.798 30.899 31.036 31.139 31.244 31.347
99-31+ 30.349 30.399 30.449 30.517 30.569 30.621 30.673
100-00 29.999 29.999 29.999 29.999 29.998 29.998 29.998
100-00+ 29.649 29.599 29.549 29.480 29.428 29.376 29.324
100-01 29.299 29.200 29.099 28.962 28.858 28.754 28.650
100-01+ 28.950 28.801 28.649 28.444 28.289 28.132 27.976
100-02 28.600 28.401 28.199 27.926 27.719 27.510 27.302
100-02+ 28.251 28.002 27.750 27.409 27.149 26.888 26.629
100-03 27.901 27.603 27.300 26.891 26.580 26.266 25.956
100-03+ 27.552 27.204 26.851 26.373 26.011 25.645 25.282
100-04 27.203 26.805 26.402 25.856 25.441 25.023 24.609
100-04+ 26.853 26.407 25.953 25.339 24.872 24.402 23.936
100-05 26.504 26.008 25.504 24.822 24.304 23.781 23.264
100-05+ 26.155 25.610 25.055 24.305 23.735 23.160 22.591
100-06 25.807 25.211 24.606 23.788 23.166 22.539 21.919
100-06+ 25.458 24.813 24.157 23.271 22.598 21.919 21.247
100-07 25.109 24.415 23.709 22.755 22.030 21.298 20.574
100-07+ 24.761 24.017 23.260 22.238 21.462 20.678 19.903
100-08 24.412 23.619 22.812 21.722 20.894 20.058 19.231
100-08+ 24.064 23.221 22.364 21.206 20.326 19.438 18.559
100-09 23.715 22.823 21.916 20.690 19.758 18.818 17.888
100-09+ 23.367 22.425 21.468 20.174 19.190 18.199 17.217
Avg. Life 5.577 4.717 4.078 3.446 3.084 2.789 2.547
Mod. Dur. 4.296 3.762 3.340 2.900 2.637 2.416 2.230
1st Pmt. 0.050 0.050 0.050 0.050 0.050 0.050 0.050
Last Pmt. 02/15/10 01/15/08 06/15/06 11/15/04 12/15/03 03/15/03 08/15/02
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS COLLATERAL
TERMSHEETS, AND WILL BE SUPERSEDED BY THE COLLATERAL
INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
- --------------------------------------------------------------------------------
- UCFC6C
- Cut Off Date of Tape is 08/31/96
- HELS
- $204,500,349.95
- Mortgage Summary Report
- --------------------------------------------------------------------------------
Number of Mortgage Loans: 4,440
Aggregate Unpaid Principal Balance: $204,500,349.95
Aggregate Original Principal Balance: $204,902,777.70
Weighted Average Gross Coupon: 12.065%
Gross Coupon Range: 8.500% - 17.100%
- --------------------------------------------------------------------------------
Average Unpaid Principal Balance: $46,058.64
Average Original Principal Balance: $46,149.27
Maximum Unpaid Principal Balance: $481,664.42
Minimum Unpaid Principal Balance: $5,200.00
Maximum Original Principal Balance: $481,800.00
Minimum Original Principal Balance: $5,200.00
Weighted Avg. Stated Rem. Term : 246.874
Stated Rem Term Range: 48.000 - 360.000
Weighted Avg. Amortized Rem. Term: 249.562
Amortized Rem Term Range: 47.999 - 360.185
Weighted Average Age (Original Term - Rem Term): 1.157
Age Range: 0.000 - 141.000
Weighted Average Original Term: 248.031 * For balloon,
Original Term Range: 48.000 - 360.000 to balloon
terms.
Weighted Average Combined LTV: 78.448 * given
Combined LTV Range: 11.300% - 100.000%
- --------------------------------------------------------------------------------
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS
COLLATERAL TERMSHEETS, AND WILL BE SUPERSEDED BY THE
COLLATERAL INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
GROSS COUPON
- ----------------------------------------------------------------
Gross Current
Coupon # Loans % Pool Balance
8.25% < Gross Coupon <= 8.50% 1 .03 $58,294
8.75% < Gross Coupon <= 9.00% 6 .11 $215,820
9.00% < Gross Coupon <= 9.25% 23 .34 $702,440
9.25% < Gross Coupon <= 9.50% 11 .38 $781,618
9.50% < Gross Coupon <= 9.75% 44 .58 $1,185,722
9.75% < Gross Coupon <= 10.00% 31 .77 $1,572,256
10.00% < Gross Coupon <= 10.25% 42 1.16 $2,373,334
10.25% < Gross Coupon <= 10.50% 108 3.11 $6,362,092
10.50% < Gross Coupon <= 10.75% 196 5.34 $10,912,303
10.75% < Gross Coupon <= 11.00% 256 6.95 $14,212,751
11.00% < Gross Coupon <= 11.25% 230 6.17 $12,611,010
11.25% < Gross Coupon <= 11.50% 235 6.55 $13,400,185
11.50% < Gross Coupon <= 11.75% 358 9.01 $18,433,308
11.75% < Gross Coupon <= 12.00% 545 12.86 $26,289,056
12.00% < Gross Coupon <= 12.25% 265 6.44 $13,164,420
12.25% < Gross Coupon <= 12.50% 360 8.82 $18,030,434
12.50% < Gross Coupon <= 12.75% 446 9.27 $18,953,883
12.75% < Gross Coupon <= 13.00% 303 6.40 $13,096,717
13.00% < Gross Coupon <= 13.25% 91 1.81 $3,700,807
13.25% < Gross Coupon <= 13.50% 137 2.48 $5,076,387
13.50% < Gross Coupon <= 13.75% 147 2.66 $5,448,769
13.75% < Gross Coupon <= 14.00% 178 2.66 $5,444,180
14.00% < Gross Coupon <= 14.25% 226 2.91 $5,941,014
14.25% < Gross Coupon <= 14.50% 48 .70 $1,424,018
14.50% < Gross Coupon <= 14.75% 37 .66 $1,344,135
14.75% < Gross Coupon <= 15.00% 39 .51 $1,043,100
15.00% < Gross Coupon <= 15.25% 57 .98 $2,006,543
15.25% < Gross Coupon <= 15.50% 6 .13 $266,700
15.50% < Gross Coupon <= 15.75% 1 .02 $41,174
15.75% < Gross Coupon <= 16.00% 4 .04 $90,196
16.00% < Gross Coupon <= 16.25% 7 .11 $222,884
16.25% < Gross Coupon <= 16.50% 1 .04 $74,300
17.00% < Gross Coupon <= 17.25% 1 .01 $20,500
- -----------------------------------------------------------------
Total..... 4,440 100.00% $204,500,350
=================================================================
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS
COLLATERAL TERMSHEETS, AND WILL BE SUPERSEDED BY THE
COLLATERAL INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
GEOGRAPHIC DISTRIBUTION
------------------------------------------------------
Current
State # Loans % Pool Balance
Alabama 42 .98 $2,005,865
Arkansas 88 2.08 $4,261,106
Arizona 20 .60 $1,225,295
California 56 1.60 $3,277,096
Colorado 27 .57 $1,166,061
Connecticut 31 1.07 $2,180,890
Dist of Col 4 .10 $196,477
Delaware 6 .18 $368,646
Florida 364 9.11 $18,629,735
Georgia 138 3.42 $6,991,123
Hawaii 2 .11 $231,023
Iowa 34 .71 $1,454,518
Idaho 2 .11 $232,741
Illinois 85 1.50 $3,075,228
Indiana 218 3.74 $7,657,083
Kansas 17 .28 $570,657
Kentucky 98 1.94 $3,970,383
Louisiana 553 10.99 $22,476,458
Massachusetts 22 .58 $1,185,453
Maryland 58 1.60 $3,269,790
Maine 9 .20 $409,780
Michigan 260 5.34 $10,920,939
Minnesota 1 .01 $19,958
Missouri 103 2.11 $4,318,748
Mississippi 253 4.95 $10,115,888
North Carolina 224 5.35 $10,930,997
Nebraska 10 .25 $509,795
New Hampshire 19 .41 $833,047
New Jersey 83 3.91 $7,997,917
New Mexico 19 .50 $1,025,990
Nevada 4 .29 $591,404
New York 203 4.90 $10,030,321
Ohio 340 7.19 $14,704,211
Oklahoma 151 2.84 $5,807,423
Oregon 7 .22 $453,677
Pennsylvania 272 5.82 $11,908,137
Rhode Island 9 .13 $259,612
South Carolina 146 3.22 $6,582,231
Tennessee 228 5.78 $11,810,608
Texas 21 .66 $1,340,663
Utah 18 .34 $700,942
Virginia 53 1.18 $2,404,613
Vermont 11 .40 $824,149
Washington 15 .49 $1,001,937
Wisconsin 54 .93 $1,912,069
West Virgina 61 1.27 $2,599,689
Wyoming 1 .03 $59,978
- -----------------------------------------------------
Total..... 4,440 100.00% $204,500,350
=====================================================
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS
COLLATERAL TERMSHEETS, AND WILL BE SUPERSEDED BY THE
COLLATERAL INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
PROPERTY TYPE
- ---------------------------------------------------------
% Current
# Loans Pool Balance
Duplex 225 5.10 $10,425,099
Triplex 24 .69 $1,410,146
Fourplex or Quadplex 16 .51 $1,046,810
Modular Housing 8 .15 $307,918
Manufactured Housing 14 .32 $651,862
Semi Detached 12 .28 $582,407
PUD 9 .40 $820,547
Townhouses 28 .64 $1,313,409
Condominiums 78 1.70 $3,480,700
Single Family Detached 3,914 88.41 $180,805,774
Rowhouse 112 1.79 $3,655,679
- -------------------------------------------------------
Total..... 4,440 100.00% $204,500,350
=======================================================
ORIGINAL TERM TO MATURITY
- -------------------------------------------------------
Total
Original Term # of % of Current
to Maturity Loans Pool Balance
36 < Orig. Term <= 48 2 0.01 $19,300
48 < Orig. Term <= 60 69 0.43 $887,993
60 < Orig. Term <= 72 12 0.10 $211,370
72 < Orig. Term <= 84 36 0.27 $544,233
84 < Orig. Term <= 96 9 0.09 $176,378
108 < Orig. Term <= 120 480 5.24 $10,708,264
120 < Orig. Term <= 132 1 0.02 $38,200
132 < Orig. Term <= 144 32 0.44 $894,367
144 < Orig. Term <= 156 5 0.06 $119,104
156 < Orig. Term <= 168 1 0.02 $50,800
168 < Orig. Term <= 180 2,137 41.20 $84,251,695
180 < Orig. Term <= 196 1 0.01 $21,497
204 < Orig. Term <= 216 1 0.01 $21,603
228 < Orig. Term <= 240 674 17.52 $35,825,796
252 < Orig. Term <= 264 2 0.05 $97,558
288 < Orig. Term <= 300 31 0.64 $1,299,843
324 < Orig. Term <= 336 1 0.04 $71,659
348 < Orig. Term <= 360 946 33.87 $69,260,689
- -------------------------------------------------------
Total... 4,440 100.00% $204,500,350
=======================================================
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS
COLLATERAL TERMSHEETS, AND WILL BE SUPERSEDED BY THE
COLLATERAL INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
LOAN PURPOSE
- ---------------------------------------------------
% Current
# Loans Pool Balance
Purchase 492 16.70 $34,157,016
Refinance 3,948 83.30 $170,343,334
- ---------------------------------------------------
Total..... 4,440 100.00% $204,500,350
===================================================
OWNER OCCUPANCY
-----------------------------------------------------------
% Current
# Loans Pool Balance
Owner Occupied, 1st Mtg 3,447 85.26 $174,362,749
Part-Owner Occupied, 1st Mtg 1 .01 $27,900
Non-Owner Occupied, 1st Mtg 493 8.35 $17,073,860
Second Home, 1st Mtg 2 .05 $106,576
Owner Occupied, 2nd Mtg 478 5.55 $11,349,570
Multiple Properties, 1st Mtgs 19 .77 $1,579,695
- -----------------------------------------------------------
Total..... 4,440 100.00% $204,500,350
===========================================================
ORIGINAL BALANCE
- ---------------------------------------------------
Original
Balance # Loans % Pool
Balance <= 25,000 1,193 10.48
25,000 < Balance <= 50,000 1,860 33.08
50,000 < Balance <= 75,000 817 23.97
75,000 < Balance <= 100,000 284 11.92
100,000 < Balance <= 150,000 201 11.72
150,000 < Balance <= 200,000 42 3.56
200,000 < Balance <= 250,000 32 3.45
250,000 < Balance <= 300,000 4 .53
300,000 < Balance <= 350,000 2 .33
350,000 < Balance <= 400,000 4 .73
450,000 < Balance <= 500,000 1 .24
- ---------------------------------------------------
Total..... 4,440 100.00%
===================================================
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS
COLLATERAL TERMSHEETS, AND WILL BE SUPERSEDED BY THE
COLLATERAL INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
CURRENT BALANCES
- --------------------------------------------------
Current
Balance # Loans % Pool
Balance <= 25,000 1,200 10.54
25,000 < Balance <= 50,000 1,854 33.04
50,000 < Balance <= 75,000 820 24.08
75,000 < Balance <= 100,000 283 11.91
100,000 < Balance <= 150,000 198 11.60
150,000 < Balance <= 200,000 42 3.56
200,000 < Balance <= 250,000 32 3.45
250,000 < Balance <= 300,000 4 .53
300,000 < Balance <= 350,000 2 .33
350,000 < Balance <= 400,000 4 .73
450,000 < Balance <= 500,000 1 .24
- --------------------------------------------------
Total..... 4,440 100.00%
==================================================
REMAINING TERM
- ------------------------------------------------------
Current
Remaining Term # Loans % Pool Balance
36 < Rem Term <= 48 2 .01 $19,300
48 < Rem Term <= 60 69 .43 $887,993
60 < Rem Term <= 72 15 .15 $303,638
72 < Rem Term <= 84 36 .27 $544,233
84 < Rem Term <= 96 12 .11 $223,882
96 < Rem Term <= 108 5 .04 $81,229
108 < Rem Term <= 120 475 5.20 $10,630,591
120 < Rem Term <= 132 6 .06 $130,011
132 < Rem Term <= 144 36 .51 $1,036,103
144 < Rem Term <= 156 9 .12 $239,058
156 < Rem Term <= 168 11 .30 $610,622
168 < Rem Term <= 180 2,112 40.75 $83,325,396
180 < Rem Term <= 192 4 .08 $163,025
192 < Rem Term <= 204 3 .10 $202,719
204 < Rem Term <= 216 9 .18 $377,138
216 < Rem Term <= 228 8 .18 $377,165
228 < Rem Term <= 240 650 17.00 $34,763,026
252 < Rem Term <= 264 2 .06 $116,459
264 < Rem Term <= 276 1 .04 $86,148
276 < Rem Term <= 288 4 .08 $153,713
288 < Rem Term <= 300 27 .54 $1,094,222
300 < Rem Term <= 312 1 .03 $71,000
324 < Rem Term <= 336 1 .04 $90,944
336 < Rem Term <= 348 7 .39 $797,264
348 < Rem Term <= 360 935 33.34 $68,175,471
- -------------------------------------------------------
Total..... 4,440 100.00% $204,500,350
=======================================================
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS
COLLATERAL TERMSHEETS, AND WILL BE SUPERSEDED BY THE
COLLATERAL INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
YEAR OF ORIGINATION
- ----------------------------------------------------
Year of Current
Origination # Loans % Pool Balance
1987 1 .03 $58,294
1988 1 .01 $22,672
1989 1 .01 $23,334
1990 2 .06 $132,071
1991 7 .10 $213,291
1992 10 .18 $371,023
1993 11 .16 $325,785
1994 17 .38 $767,346
1995 45 1.10 $2,248,436
1996 4,345 97.96 $200,338,098
- ---------------------------------------------------
Total..... 4,440 100.00% $204,500,350
===================================================
LOAN AGE IN MONTHS (ORIGINAL TERM - REM TERM)
------------------------------------------------------
Current
Age of Loan # Loans % Pool Balance
0 < Age <= 3 4,240 95.15 $194,592,267
3 < Age <= 6 83 2.27 $4,643,582
6 < Age <= 9 23 .55 $1,121,513
9 < Age <= 12 15 .24 $492,465
12 < Age <= 18 21 .66 $1,349,613
18 < Age <= 24 10 .25 $517,776
24 < Age <= 36 17 .31 $632,625
36 < Age <= 48 11 .20 $418,211
48 < Age <= 60 13 .19 $385,606
60 < Age <= 72 1 .04 $71,659
72 < Age <= 84 3 .05 $102,298
96 < Age <= 108 1 .01 $22,672
108 < Age <= 120 1 .03 $58,294
132 < Age <= 144 1 .04 $91,770
- ------------------------------------------------------
Total..... 4,440 100.00% $204,500,350
======================================================
COMBINED LTV RANGE * Given
- ----------------------------------------------------------
COMBINED
LTV Total
RANGE # Lns % Pool Balance
0.000 < CLTV <= 50.000 388 4.57 $9,354,157.92
50.000 < CLTV <= 55.000 128 2.01 $4,104,557.44
55.000 < CLTV <= 60.000 138 2.41 $4,930,179.99
60.000 < CLTV <= 65.000 228 4.03 $8,248,971.35
65.000 < CLTV <= 70.000 306 5.91 $12,076,353.83
70.000 < CLTV <= 75.000 490 11.80 $24,140,731.43
75.000 < CLTV <= 80.000 1,044 27.82 $56,889,557.36
80.000 < CLTV <= 85.000 534 11.63 $23,785,662.44
85.000 < CLTV <= 90.000 587 16.83 $34,411,003.18
90.000 < CLTV <= 95.000 303 6.61 $13,514,818.53
95.000 < CLTV <= 100.000 294 6.38 $13,044,356.48
- ----------------------------------------------------------
Total..... 4,440 100.00% $204,500,349.95
==========================================================
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS
COLLATERAL TERMSHEETS, AND WILL BE SUPERSEDED BY THE
COLLATERAL INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
UNITS OF PROPERTY
- ------------------------------------------------------------
Current
Units # Loans % Pool Balance
1 4,175 93.70 $191,618,296
2 225 5.10 $10,425,099
3 24 .69 $1,410,146
4 16 .51 $1,046,810
- ------------------------------------------------------------
Total..... 4,440 100.00% $204,500,350
============================================================
LOAN PROGRAM - UCFC CREDIT CODE
- ---------------------------------------------------------------
Total
# % Current
Loan Feature Loan Pool Balance
A 991 25.22 $51,565,090.10
A+ 999 24.19 $49,465,534.60
B 1,293 26.95 $55,117,152.35
C 619 11.01 $22,521,987.71
C- 60 1.21 $2,481,510.90
Unknown 478 11.42 $23,349,074.29
- ---------------------------------------------------------------
Total..... 4,440 100.00% $204,500,349.95
===============================================================
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS
COLLATERAL TERMSHEETS, AND WILL BE SUPERSEDED BY THE
COLLATERAL INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
- --------------------------------------------------------------------------------
- UCFC6C
- Cut Off Date of Tape is 08/31/96
- HELS - Adjustable Rate Loans
- $133,252,524.11
- --------------------------------------------------------------------------------
Number of Mortgage Loans: 1,954
Index: 6 Mo. LIBOR
Aggregate Unpaid Principal Balance: $133,252,524.11
Aggregate Original Principal Balance: $133,372,367.96
- --------------------------------------------------------------------------------
Weighted Average Coupon (Gross): 10.248%
Gross Coupon Range: 8.200% - 12.900%
- --------------------------------------------------------------------------------
Weighted Average Margin (Gross): 5.304%
Gross Margin Range: 4.000% - 8.450%
Weighted Average Life Cap (Gross): 16.251%
Gross Life Cap Range: 11.850% - 18.900%
Weighted Average Life Floor (Gross): 10.237%
Gross Life Floor Range: 7.750% - 12.900%
- --------------------------------------------------------------------------------
Average Unpaid Principal Balance: $68,194.74
Average Original Principal Balance: $68,256.07
Maximum Unpaid Principal Balance: $411,168.17
Minimum Unpaid Principal Balance: $9,279.35
Maximum Original Principal Balance: $411,400.00
Minimum Original Principal Balance: $9,300.00
Weighted Avg. Stated Rem. Term : 322.860
Stated Rem Term Range: 58.000 - 360.000
Weighted Avg. Amortized Rem. Term: 322.855
Amortized Rem Term Range: 58.001 - 360.067
Weighted Average Age (Original Term - Rem Term): 1.096
Age Range: 0.000 - 166.000
Weighted Average Original Term: 323.956
Original Term Range: 60.000 - 360.000
Weighted Average Combined LTV: 81.355 * given
Combined LTV Range: 13.800% - 100.000%
Weighted Average Periodic Interest Cap: 1.040%
Periodic Interest Cap Range: 1.000% - 3.000%
Weighted Average Months to Interest Roll: 6.834
Months to Interest Roll Range: 2 - 24
Weighted Average Interest Roll Frequency: 6.000
Interest Frequency Range: 6 - 6
- --------------------------------------------------------------------------------
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS
COLLATERAL TERMSHEETS, AND WILL BE SUPERSEDED BY THE
COLLATERAL INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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.
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
GROSS COUPON
- ------------------------------------------------------------------
Gross Current
Coupon # Loans % Pool Balance
8.00% < Gross Coupon <= 8.25% 1 .11 $146,015
8.25% < Gross Coupon <= 8.50% 8 .76 $1,013,034
8.50% < Gross Coupon <= 8.75% 27 2.25 $2,994,332
8.75% < Gross Coupon <= 9.00% 25 3.08 $4,104,635
9.00% < Gross Coupon <= 9.25% 32 2.88 $3,834,684
9.25% < Gross Coupon <= 9.50% 42 3.41 $4,549,055
9.50% < Gross Coupon <= 9.75% 102 6.15 $8,191,046
9.75% < Gross Coupon <= 10.00% 231 13.10 $17,461,872
10.00% < Gross Coupon <= 10.25% 227 11.60 $15,461,826
10.25% < Gross Coupon <= 10.50% 369 18.37 $24,483,782
10.50% < Gross Coupon <= 10.75% 329 14.10 $18,793,747
10.75% < Gross Coupon <= 11.00% 361 15.08 $20,097,282
11.00% < Gross Coupon <= 11.25% 156 6.86 $9,140,267
11.25% < Gross Coupon <= 11.50% 20 1.01 $1,344,174
11.50% < Gross Coupon <= 11.75% 9 .49 $647,572
11.75% < Gross Coupon <= 12.00% 8 .21 $275,165
12.00% < Gross Coupon <= 12.25% 4 .19 $254,262
12.25% < Gross Coupon <= 12.50% 1 .19 $254,864
12.75% < Gross Coupon <= 13.00% 2 .15 $204,910
- ------------------------------------------------------------------
Total..... 1,954 100.00% $133,252,524
==================================================================
GEOGRAPHIC DISTRIBUTION
- -------------------------------------------------------
Current
State # Loans % Pool Balance
Alabama 4 .32 $432,631
Arkansas 11 .72 $955,647
Arizona 15 .83 $1,109,037
California 125 12.17 $16,215,327
Colorado 38 2.77 $3,689,919
Connecticut 9 .73 $977,256
Dist of Col 3 .25 $335,382
Delaware 3 .13 $170,903
Florida 52 3.24 $4,311,172
Georgia 41 2.22 $2,952,283
Iowa 50 2.03 $2,700,920
Idaho 1 .15 $195,406
Illinois 77 4.16 $5,544,359
Indiana 147 5.48 $7,297,691
Kansas 15 .76 $1,018,395
Kentucky 77 3.20 $4,258,057
Louisiana 78 3.50 $4,667,368
Massachsetts 32 1.80 $2,400,789
Maryland 18 1.10 $1,464,700
Maine 32 1.34 $1,788,338
Michigan 181 7.97 $10,622,182
Minnesota 3 .23 $312,265
Missouri 37 1.55 $2,067,454
Mississippi 15 .58 $770,054
North Carolina 100 4.69 $6,249,489
Nebraska 13 .44 $589,711
New Hampshire 25 1.41 $1,876,385
New Jersey 22 1.31 $1,741,844
New Mexico 10 .54 $718,257
Nevada 1 .09 $119,861
New York 87 4.27 $5,691,265
Ohio 245 10.21 $13,611,002
Oklahoma 49 1.90 $2,529,542
Oregon 19 1.50 $1,996,848
Pennsylvania 90 3.84 $5,121,818
Rhode Island 8 .50 $664,464
South Carolina 32 1.45 $1,926,446
Tennessee 79 3.85 $5,130,820
Texas 2 .09 $122,361
Utah 17 1.09 $1,456,124
Virginia 19 1.41 $1,882,665
Vermont 12 .69 $918,144
Washington 24 1.80 $2,404,451
Wisconsin 36 1.68 $2,243,490
- ------------------------------------------------------
Total..... 1,954 100.00% $133,252,524
======================================================
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS
COLLATERAL TERMSHEETS, AND WILL BE SUPERSEDED BY THE
COLLATERAL INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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.
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
PROPERTY TYPE
- -----------------------------------------------------------
% Current
# Loans Pool Balance
Duplex 69 3.71 $4,937,433
Triplex 20 1.26 $1,677,103
Fourplex or Quadplex 1 .09 $113,300
Modular Housing 6 .31 $411,665
Semi Detached 2 .24 $323,100
PUD 4 .27 $355,055
Townhouses 8 .44 $588,341
Condominiums 30 1.69 $2,248,811
Single Family Detached 1,784 91.10 $121,388,315
Land & Developed Lots 2 .12 $157,686
Rowhouse 28 .79 $1,051,715
- ---------------------------------------------------------
Total..... 1,954 100.00% $133,252,524
=========================================================
ORIGINAL TERM TO MATURITY
- ----------------------------------------------------------
Total
Original Term # of % of Current
to Maturity Loans Pool Balance
48 < Orig. Term <= 60 3 0.03 $38,859
72 < Orig. Term <= 84 5 0.09 $113,778
84 < Orig. Term <= 96 4 0.14 $187,200
108 < Orig. Term <= 120 33 0.76 $1,012,407
132 < Orig. Term <= 144 2 0.03 $45,200
144 < Orig. Term <= 156 2 0.04 $53,500
156 < Orig. Term <= 168 1 0.01 $19,100
168 < Orig. Term <= 180 457 14.79 $19,712,407
228 < Orig. Term <= 240 126 5.22 $6,954,732
276 < Orig. Term <= 288 1 0.06 $75,522
288 < Orig. Term <= 300 18 0.65 $872,238
336 < Orig. Term <= 348 1 0.14 $182,400
348 < Orig. Term <= 360 1,301 78.04 $103,985,182
- ----------------------------------------------------------
Total... 1,954 100.00% $133,252,524
==========================================================
LOAN PURPOSE
- ------------------------------------------------------
% Current
# Loans Pool Balance
Purchase 178 10.94 $14,576,957
Refinance 1,776 89.06 $118,675,567
- ------------------------------------------------------
Total..... 1,954 100.00% $133,252,524
======================================================
OWNER OCCUPANCY
- -----------------------------------------------------------------
% Current
# Loans Pool Balance
Owner Occupied, 1st Mtg 1,947 99.55 $132,656,990
Non-Owner Occupied, 1st Mtg 6 .22 $295,534
Second Home, 1st Mtg 1 .23 $300,000
- -----------------------------------------------------------------
Total..... 1,954 100.00% $133,252,524
=================================================================
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS
COLLATERAL TERMSHEETS, AND WILL BE SUPERSEDED BY THE
COLLATERAL INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
ORIGINAL BALANCE
- ----------------------------------------------------
Original
Balance # Loans % Pool
Balance <= 25,000 150 2.21
25,000 < Balance <= 50,000 621 17.73
50,000 < Balance <= 75,000 572 26.34
75,000 < Balance <= 100,000 287 18.48
100,000 < Balance <= 150,000 227 20.14
150,000 < Balance <= 200,000 58 7.43
200,000 < Balance <= 250,000 17 2.80
250,000 < Balance <= 300,000 14 2.89
300,000 < Balance <= 350,000 7 1.68
400,000 < Balance <= 450,000 1 .31
- ----------------------------------------------------
Total..... 1,954 100.00%
====================================================
CURRENT BALANCES
- ----------------------------------------------------
Current
Balance # Loans % Pool
Balance <= 25,000 150 2.21
25,000 < Balance <= 50,000 622 17.76
50,000 < Balance <= 75,000 572 26.36
75,000 < Balance <= 100,000 287 18.50
100,000 < Balance <= 150,000 226 20.07
150,000 < Balance <= 200,000 58 7.43
200,000 < Balance <= 250,000 17 2.80
250,000 < Balance <= 300,000 14 2.89
300,000 < Balance <= 350,000 7 1.68
400,000 < Balance <= 450,000 1 .31
- ----------------------------------------------------
Total..... 1,954 100.00%
====================================================
GROSS MARGIN
- ------------------------------------------------------------------
Gross Current
Margin # Loans % Pool Balance
3.75% < Gross Margin <= 4.00% 1 .08 $104,600.00
4.00% < Gross Margin <= 4.25% 93 3.55 $4,733,297.56
4.25% < Gross Margin <= 4.50% 294 18.52 $24,679,258.00
4.50% < Gross Margin <= 4.75% 77 6.69 $8,916,731.86
4.75% < Gross Margin <= 5.00% 169 6.21 $8,277,273.23
5.00% < Gross Margin <= 5.25% 460 24.10 $32,108,584.58
5.25% < Gross Margin <= 5.50% 175 11.03 $14,704,413.33
5.50% < Gross Margin <= 5.75% 221 6.77 $9,016,954.65
5.75% < Gross Margin <= 6.00% 363 15.90 $21,184,868.74
6.00% < Gross Margin <= 7.00% 71 4.98 $6,638,391.76
7.00% < Gross Margin <= 8.00% 25 1.60 $2,126,191.34
8.00% < Gross Margin <= 9.00% 5 .57 $761,959.06
- ------------------------------------------------------------------
Total..... 1,954 100.00% $133,252,524.11
==================================================================
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS
COLLATERAL TERMSHEETS, AND WILL BE SUPERSEDED BY THE
COLLATERAL INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
GROSS LIFE CAP
- ------------------------------------------------------------------
Gross Current
Life Cap # Loans % Pool Balance
11.75% < Gross Life Cap <= 12.00 1 .02 $30,000
13.50% < Gross Life Cap <= 13.75 1 .11 $145,977
14.00% < Gross Life Cap <= 14.25 3 .22 $289,868
14.25% < Gross Life Cap <= 14.50 2 .21 $274,194
14.50% < Gross Life Cap <= 14.75 27 2.25 $2,994,332
14.75% < Gross Life Cap <= 15.00 23 2.85 $3,794,780
15.00% < Gross Life Cap <= 15.25 31 2.83 $3,768,368
15.25% < Gross Life Cap <= 15.50 47 3.90 $5,190,523
15.50% < Gross Life Cap <= 15.75 98 5.93 $7,903,418
15.75% < Gross Life Cap <= 16.00 234 13.40 $17,849,755
16.00% < Gross Life Cap <= 16.25 226 11.48 $15,292,339
16.25% < Gross Life Cap <= 16.50 370 18.43 $24,554,572
16.50% < Gross Life Cap <= 16.75 333 14.27 $19,015,586
16.75% < Gross Life Cap <= 17.00 363 15.20 $20,249,430
17.00% < Gross Life Cap <= 17.25 154 6.79 $9,044,480
17.25% < Gross Life Cap <= 17.50 18 1.03 $1,369,562
17.50% < Gross Life Cap <= 17.75 9 .51 $680,449
17.75% < Gross Life Cap <= 18.00 8 .21 $275,165
18.00% < Gross Life Cap <= 18.25 4 .19 $254,262
18.25% < Gross Life Cap <= 18.50 1 .19 $254,864
18.75% < Gross Life Cap <= 19.00 1 .02 $20,600
- ------------------------------------------------------------------
Total..... 1,954 100.00% $133,252,524
==================================================================
GROSS LIFE FLOOR
- ---------------------------------------------------------------
Gross Current
Life Floor # Loans % Pool Balance
7.50% < Life Floor <= 7.75% 1 .11 $145,977.47
8.00% < Life Floor <= 8.25% 3 .22 $289,868.02
8.25% < Life Floor <= 8.50% 8 .76 $1,013,034.13
8.50% < Life Floor <= 8.75% 27 2.25 $2,994,332.22
8.75% < Life Floor <= 9.00% 26 3.16 $4,204,648.94
9.00% < Life Floor <= 9.25% 31 2.83 $3,768,367.54
9.25% < Life Floor <= 9.50% 43 3.51 $4,671,160.89
9.50% < Life Floor <= 9.75% 102 6.15 $8,191,045.81
9.75% < Life Floor <= 10.00% 231 13.09 $17,439,885.93
10.00% < Life Floor <= 10.25% 227 11.55 $15,393,546.07
10.25% < Life Floor <= 10.50% 369 18.37 $24,483,782.15
10.50% < Life Floor <= 10.75% 330 14.14 $18,835,917.07
10.75% < Life Floor <= 11.00% 364 15.22 $20,279,430.24
11.00% < Life Floor <= 11.25% 153 6.71 $8,943,272.57
11.25% < Life Floor <= 11.50% 17 .92 $1,220,874.35
11.50% < Life Floor <= 11.75% 8 .43 $572,489.72
11.75% < Life Floor <= 12.00% 8 .21 $275,164.54
12.00% < Life Floor <= 12.25% 4 .19 $254,262.11
12.25% < Life Floor <= 12.50% 1 .19 $254,864.34
12.75% < Life Floor <= 13.00% 1 .02 $20,600.00
- ----------------------------------------------------------------
Total..... 1,954 100.00% 133,252,524.11
================================================================
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS
COLLATERAL TERMSHEETS, AND WILL BE SUPERSEDED BY THE
COLLATERAL INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
REMAINING TERM
- -----------------------------------------------------------
Current
Remaining Term # Loans % Pool Balance
48 < Rem Term <= 60 3 .03 $38,859
72 < Rem Term <= 84 5 .09 $113,778
84 < Rem Term <= 96 4 .14 $187,200
108 < Rem Term <= 120 33 .76 $1,012,407
132 < Rem Term <= 144 2 .03 $45,200
144 < Rem Term <= 156 2 .04 $53,500
156 < Rem Term <= 168 3 .11 $152,563
168 < Rem Term <= 180 455 14.69 $19,578,944
192 < Rem Term <= 204 1 .04 $50,481
216 < Rem Term <= 228 2 .06 $73,726
228 < Rem Term <= 240 126 5.23 $6,975,715
240 < Rem Term <= 252 1 .06 $74,092
264 < Rem Term <= 276 2 .15 $203,129
276 < Rem Term <= 288 1 .06 $75,522
288 < Rem Term <= 300 18 .65 $872,238
300 < Rem Term <= 312 1 .09 $122,860
312 < Rem Term <= 324 1 .11 $145,977
336 < Rem Term <= 348 8 .66 $877,104
348 < Rem Term <= 360 1,286 77.00 $102,599,230
- ------------------------------------------------------------
Total..... 1,954 100.00% $133,252,524
============================================================
LOAN AGE IN MONTHS (ORIGINAL TERM - REM TERM)
- ---------------------------------------------------------
Current
Age of Loan # Loans % Pool Balance
0 < Age <= 3 1,904 96.87 $129,076,946
3 < Age <= 6 26 1.62 $2,160,249
6 < Age <= 9 6 .35 $461,848
9 < Age <= 12 4 .34 $459,034
12 < Age <= 18 6 .30 $403,199
36 < Age <= 48 1 .11 $145,977
48 < Age <= 60 1 .09 $122,860
84 < Age <= 96 2 .15 $203,129
108 < Age <= 120 2 .10 $129,140
132 < Age <= 144 1 .03 $39,661
156 < Age <= 168 1 .04 $50,481
- ---------------------------------------------------------
Total..... 1,954 100.00% $133,252,524
=========================================================
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS
COLLATERAL TERMSHEETS, AND WILL BE SUPERSEDED BY THE
COLLATERAL INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
COMBINED LTV RANGE
- ----------------------------------------------------------------
COMBINED
LTV Total
RANGE # Lns % Pool Balance
0.000 < CLTV <= 50.000 101 2.51 $3,348,102.28
50.000 < CLTV <= 55.000 44 1.39 $1,854,157.29
55.000 < CLTV <= 60.000 43 1.55 $2,059,832.15
60.000 < CLTV <= 65.000 52 2.20 $2,930,714.20
65.000 < CLTV <= 70.000 106 4.57 $6,093,241.56
70.000 < CLTV <= 75.000 166 8.58 $11,437,632.50
75.000 < CLTV <= 80.000 254 15.42 $20,551,150.97
80.000 < CLTV <= 85.000 418 24.76 $32,999,757.75
85.000 < CLTV <= 90.000 429 22.44 $29,903,196.51
90.000 < CLTV <= 95.000 182 9.05 $12,060,381.87
95.000 < CLTV <= 100.000 159 7.52 $10,014,357.03
- ----------------------------------------------------------------
Total..... 1,954 100.00% $133,252,524.11
================================================================
LOAN PROGRAM - UCFC CREDIT CODE
- -----------------------------------------------------------------
Total
# % Current
Loan Feature Loan Pool Balance
A 638 40.24 $53,617,888.11
A+ 3 .18 $240,800.00
B 639 32.97 $43,930,715.76
C 526 19.63 $26,155,484.07
Unknown 148 6.98 $9,307,636.17
- -----------------------------------------------------------------
Total..... 1,954 100.00% $133,252,524.11
=================================================================
THIS COLLATERAL TERMSHEET SUPERSEDES ANY PREVIOUS
COLLATERAL TERMSHEETS, AND WILL BE SUPERSEDED BY THE
COLLATERAL INFORMATION IN THE PROSPECTUS SUPPLEMENT.
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>
Financial Strategies 09/12/96 02:44:54 pm Prudential Securities
Group IMPACT CMO/ABS Analytics - Price / Yield Tables Incorporated
Deal ID/CUSIP UCFC6C Coupon 7.825
Class A6 SEQ Accr 0.56514 1st Pmt 10/15/96
Collateral 100%WL (Real) Factor 1.000000000 on 09/27/96
N/GWAC (Orig) / (11.567/12.067) LIBOR-1M 5.50391
WAM (Orig) (20.664) Mat 12/15/27 Settle 09/27/96
CenterPrice 99-24+ Inc 0.5
************ TO CALL *************
CPR 19.00
Price
----- --------- -
99-15 7.989
99-15+ 7.986
99-16 7.984
99-16+ 7.981
99-17 7.979
99-17+ 7.977
99-18 7.974
99-18+ 7.972
99-19 7.969
99-19+ 7.967
99-20 7.964
99-20+ 7.962
99-21 7.960
99-21+ 7.957
99-22 7.955
99-22+ 7.952
99-23 7.950
99-23+ 7.948
99-24 7.945
99-24+ 7.943
99-25 7.940
99-25+ 7.938
99-26 7.936
99-26+ 7.933
99-27 7.931
99-27+ 7.928
99-28 7.926
99-28+ 7.924
99-29 7.921
99-29+ 7.919
99-30 7.916
99-30+ 7.914
99-31 7.912
99-31+ 7.909
100-00 7.907
100-00+ 7.904
100-01 7.902
100-01+ 7.900
100-02 7.897
Avg. Life 9.550
Mod. Dur. 6.482
1st Pmt. 9.550
Last Pmt. 04/15/06
<PAGE>
Financial Strategies 09/16/96 10:21:47 am Prudential Securities
Group IMPACT CMO/ABS Analytics - Bond Cashflows Incorporated
Deal ID/CUSIP UCFC6C Maturity 05/15/10
Class A2 SEQ Coupon 6.925
Underwriter PSI Accrued 0.50014
Issuer UNITED COMPANIES FINANCIAL CORPORAT 1st Payment 10/15/96
Collateral 100%WL (Real) Factor 1.000000000 on 09/27/96
N/GWAC (Orig) / (11.567/12.067) LIBOR-1M 5.49219
WAM (Orig) (20.664) Settle 09/27/96
Price 100-00+ Proceeds 42,426,699 Prepay at HEP 25.00 Roll at
Original Face of 42,209,000
Date Balance Principal Interest Accrual Total
- -------- --------------- ------------- ------------- ------------- -------------
09/01/96 42,209,000.00 0.00 0.00 0.00 0.00
10/15/96 42,209,000.00 0.00 243,581.10 0.00 243,581.10
11/15/96 42,209,000.00 0.00 243,581.10 0.00 243,581.10
12/15/96 42,209,000.00 0.00 243,581.10 0.00 243,581.10
01/15/97 42,209,000.00 0.00 243,581.10 0.00 243,581.10
02/15/97 42,209,000.00 0.00 243,581.10 0.00 243,581.10
03/15/97 42,209,000.00 0.00 243,581.10 0.00 243,581.10
04/15/97 42,209,000.00 0.00 243,581.10 0.00 243,581.10
05/15/97 42,209,000.00 0.00 243,581.10 0.00 243,581.10
06/15/97 42,209,000.00 0.00 243,581.10 0.00 243,581.10
07/15/97 42,209,000.00 0.00 243,581.10 0.00 243,581.10
08/15/97 42,209,000.00 0.00 243,581.10 0.00 243,581.10
09/15/97 42,209,000.00 0.00 243,581.10 0.00 243,581.10
10/15/97 42,209,000.00 0.00 243,581.10 0.00 243,581.10
11/15/97 42,209,000.00 0.00 243,581.10 0.00 243,581.10
12/15/97 42,209,000.00 0.00 243,581.10 0.00 243,581.10
01/15/98 42,209,000.00 0.00 243,581.10 0.00 243,581.10
02/15/98 42,209,000.00 0.00 243,581.10 0.00 243,581.10
03/15/98 42,209,000.00 0.00 243,581.10 0.00 243,581.10
04/15/98 42,209,000.00 0.00 243,581.10 0.00 243,581.10
05/15/98 38,040,154.52 4,168,845.48 243,581.10 0.00 4,412,426.59
06/15/98 33,424,450.38 4,615,704.13 219,523.39 0.00 4,835,227.53
07/15/98 28,921,937.61 4,502,512.77 192,886.93 0.00 4,695,399.70
08/15/98 24,529,881.62 4,392,056.00 166,903.68 0.00 4,558,959.68
09/15/98 20,245,613.32 4,284,268.30 141,557.86 0.00 4,425,826.15
10/15/98 16,066,527.60 4,179,085.72 116,834.06 0.00 4,295,919.78
11/15/98 11,990,081.77 4,076,445.83 92,717.25 0.00 4,169,163.08
12/15/98 8,013,794.07 3,976,287.70 69,192.76 0.00 4,045,480.46
01/15/99 4,135,242.24 3,878,551.84 46,246.27 0.00 3,924,798.11
02/15/99 352,062.06 3,783,180.18 23,863.79 0.00 3,807,043.97
03/15/99 0.00 352,062.06 2,031.69 0.00 354,093.75
------------- ------------- ------------- -------------
Totals 42,209,000.00 5,943,379.78 0.00 48,152,379.78
Page 1 of 1
UCFC 1996-C CS First Boston Computational Materials
BOND PROFILE SUMMARY
Avg. CBE 1st Last Mod. Legal
Class Original Coupon Life Yield Pay Pay Dur. Final
Name Par (%) (yrs) (%) Price (mm/yy) (mm/yy) (yrs) (mm/yy)
- ------------------------------------------------------------------------------
To Maturity:
A1 95,000,000 FLOAT 0.91 FLOAT 100-00+ 10/96 5/98 FLOAT 7/07
A2 46,209,000 6.35 2.00 6.299 100-00 5/98 3/99 1.82 5/10
A3 57,161,000 6.45 3.10 6.445 100-00 3/99 8/00 2.72 11/13
A4 57,269,000 6.65 5.00 6.680 100-00 8/00 3/03 4.10 5/18
A5 24,060,000 6.75 7.50 6.800 100-00 3/03 7/05 5.68 10/23
A6 20,301,000 6.85 11.54 6.914 100-00 5/04 7/26 7.64 12/27
A7 200,000,000 FLOAT 3.76 FLOAT 100-00 10/96 7/26 FLOAT 12/27
- -------------------------------------------
To Call:
A5 24,060,000 6.75 7.27 6.799 100-00 3/03 5/04 5.56 10/23
A6 20,301,000 6.85 7.63 6.902 100-00 7/05 5/04 5.76 12/27
A7 200,000,000 FLOAT 3.45 FLOAT 100-00 10/96 11/04 FLOAT 12/27
- ------------------------------------------------------------------------------
(1) Fixed Rate Certificates and Floating Rate Certificates (Class A1-A7)
Prepayment Curve (PPC)= 2.5% CPR (month 1) to 25% CPR (month 10) rising
by 2.5% CPR each month. Priced at 25% HEP
(2) Coupon and price are assumed for computational materials.
The above analysis is not intended to be a prospectus and any
investment decision with respect to the security should be made by you
based solely upon all of the information contained in the final
prospectus. Under no circumstances shall the information presented
constitute an offer to sell or the solicitation of an offer to buy nor
shall there be any sale of the securities in any jurisdiction in which
such offer, solicitation or sale would be unlawful prior to
registration or qualification under the securities laws of such
jurisdiction. The securities may not be sold nor may an offer to buy
be accepted prior to the delivery of a final prospectus relating to
the securities. The above preliminary description of the underlying
assets has been provided by the issuer and has not been independently
verified by CS First Boston. All information described above is
preliminary, limited in nature and subject to completion or amendment.
CS First Boston makes no representations that the above referenced
security will actually perform as described in any scenario presented.
[LOGO] CS FIRST BOSTON
<PAGE>
UCFC 1996-C CS First Boston Computational Materials
BOND PROFILE SUMMARY
HEP: 0% 15% 21% 25% 28% 34%
- -------------------------------------------------------------------
CLASS A1 $95,000,000; Legal Final 7/07
- -------------------------------------------------------------------
TO MATURITY (Assumed Coupon FLOAT; Assumed Price: 100-00+)
Bond Yield: 5.74 5.72 5.72 5.72 5.72 5.71
Average Life: 6.41 1.31 1.03 0.91 0.84 0.74
Duration: 5.07 1.22 0.97 0.86 0.80 0.70
First Prin Pay: 10/96 10/96 10/96 10/96 10/96 10/96
Last Prin Pay: 7/07 3/99 8/98 5/98 3/98 12/97
- -------------------------------------------------------------------
CLASS A2 $46,209,000; Legal Final 5/10
- -------------------------------------------------------------------
TO MATURITY (Assumed Coupon 6.35%; Assumed Price: 100-00)
Bond Yield: 6.40 6.34 6.32 6.30 6.29 6.26
Average Life: 12.29 3.10 2.33 2.00 1.81 1.53
Duration: 8.27 2.73 2.10 1.82 1.66 1.41
First Prin Pay: 7/07 3/99 8/98 5/98 3/98 12/97
Last Prin Pay: 5/10 7/00 8/99 3/99 12/98 7/98
- -------------------------------------------------------------------
CLASS A3 $57,161,000; Legal Final 11/13
- -------------------------------------------------------------------
TO MATURITY (Assumed Coupon 6.45%; Assumed Price: 100-00)
Bond Yield: 6.51 6.48 6.46 6.45 6.44 6.42
Average Life: 15.18 4.90 3.64 3.10 2.78 2.31
Duration: 9.39 4.06 3.14 2.72 2.47 2.08
First Prin Pay: 5/10 7/00 8/99 3/99 12/98 7/98
Last Prin Pay: 11/13 11/02 4/01 8/00 3/00 8/99
- -------------------------------------------------------------------
The above analysis is not intended to be a prospectus and any
investment decision with respect to the security should be made by you
based solely upon all of the information contained in the final
prospectus. Under no circumstances shall the information presented
constitute an offer to sell or the solicitation of an offer to buy nor
shall there be any sale of the securities in any jurisdiction in which
such offer, solicitation or sale would be unlawful prior to
registration or qualification under the securities laws of such
jurisdiction. The securities may not be sold nor may an offer to buy
be accepted prior to the delivery of a final prospectus relating to
the securities. The above preliminary description of the underlying
assets has been provided by the issuer and has not been independently
verified by CS First Boston. All information described above is
preliminary, limited in nature and subject to completion or amendment.
CS First Boston makes no representations that the above referenced
security will actually perform as described in any scenario presented.
[LOGO] CS FIRST BOSTON
<PAGE>
UCFC 1996-C CS First Boston Computational Materials
BOND PROFILE SUMMARY
HEP: 0% 15% 21% 25% 28% 34%
- -------------------------------------------------------------------
CLASS A4 $57,269,000; Legal Final 5/18
- -------------------------------------------------------------------
TO MATURITY (Assumed Coupon 6.65%; Assumed Price: 100-00)
Bond Yield: 6.72 6.70 6.69 6.68 6.67 6.66
Average Life: 18.98 7.87 5.89 5.00 4.47 3.67
Duration: 10.45 5.91 4.71 4.11 3.74 3.15
First Prin Pay: 11/13 11/02 4/01 8/00 3/00 8/99
Last Prin Pay: 5/18 10/06 5/04 3/03 7/02 6/01
- -------------------------------------------------------------------
CLASS A5 $24,060,000; Legal Final 10/23
- -------------------------------------------------------------------
TO MATURITY (Assumed Coupon 6.75%; Assumed Price: 100-00)
Bond Yield: 6.82 6.81 6.80 6.80 6.80 6.78
Average Life: 24.63 11.52 8.79 7.50 6.72 5.50
Duration: 11.64 7.75 6.42 5.69 5.22 4.45
First Prin Pay: 5/18 10/06 5/04 3/03 7/02 6/01
Last Prin Pay: 10/23 1/10 1/07 7/05 8/04 3/03
- ----------------------
TO CALL (Assumed Coupon 6.75%; Assumed Price: 100-00)
Bond Yield: 6.82 6.81 6.80 6.80 6.79 6.79
Average Life: 24.24 11.21 8.54 7.27 6.53 5.34
Duration: 11.57 7.62 6.28 5.56 5.11 4.34
First Prin Pay: 5/18 10/06 5/04 3/03 7/02 6/01
Last Prin Pay: 12/21 6/08 9/05 5/04 8/03 5/02
- -------------------------------------------------------------------
CLASS A6 $20,301,000; Legal Final 12/27
- -------------------------------------------------------------------
TO MATURITY (Assumed Coupon 6.85%; Assumed Price: 100-00)
Bond Yield: 6.93 6.92 6.92 6.91 6.91 6.91
Average Life: 28.51 16.54 13.29 11.54 10.42 8.61
Duration: 12.15 9.50 8.36 7.64 7.13 6.23
First Prin Pay: 10/23 1/10 1/07 7/05 8/04 3/03
Last Prin Pay: 7/26 7/26 7/26 7/26 7/26 7/26
- ----------------------
TO CALL (Assumed Coupon 6.85%; Assumed Price: 100-00)
Bond Yield: 6.92 6.91 6.91 6.90 6.90 6.89
Average Life: 25.22 11.72 8.97 7.63 6.88 5.63
Duration: 11.65 7.80 6.49 5.76 5.31 4.52
First Prin Pay: 12/21 6/08 9/05 5/04 8/03 5/02
Last Prin Pay: 12/21 6/08 9/05 5/04 8/03 5/02
- -------------------------------------------------------------------
The above analysis is not intended to be a prospectus and any
investment decision with respect to the security should be made by you
based solely upon all of the information contained in the final
prospectus. Under no circumstances shall the information presented
constitute an offer to sell or the solicitation of an offer to buy nor
shall there be any sale of the securities in any jurisdiction in which
such offer, solicitation or sale would be unlawful prior to
registration or qualification under the securities laws of such
jurisdiction. The securities may not be sold nor may an offer to buy
be accepted prior to the delivery of a final prospectus relating to
the securities. The above preliminary description of the underlying
assets has been provided by the issuer and has not been independently
verified by CS First Boston. All information described above is
preliminary, limited in nature and subject to completion or amendment.
CS First Boston makes no representations that the above referenced
security will actually perform as described in any scenario presented.
[LOGO] CS FIRST BOSTON
<PAGE>
UCFC 1996-C CS First Boston Computational Materials
BOND PROFILE SUMMARY
HEP: 0% 15% 21% 25% 28% 34%
- -------------------------------------------------------------------
CLASS A7 $200,000,000; Legal Final 12/27
- -------------------------------------------------------------------
TO MATURITY (Assumed Coupon FLOAT; Assumed Price: 100-00)
Average Life: 19.26 6.00 4.44 3.76 3.37 2.78
First Prin Pay: 10/96 10/96 10/96 10/96 10/96 10/96
Last Prin Pay: 7/26 7/26 7/26 7/26 7/26 7/26
- ----------------------
TO CALL (Assumed Coupon FLOAT; Assumed Price: 100-00)
Average Life: 19.21 5.58 4.08 3.45 3.08 2.55
First Prin Pay: 10/96 10/96 10/96 10/96 10/96 10/96
Last Prin Pay: 9/22 2/10 6/06 11/04 12/03 8/02
- -------------------------------------------------------------------
The above analysis is not intended to be a prospectus and any
investment decision with respect to the security should be made by you
based solely upon all of the information contained in the final
prospectus. Under no circumstances shall the information presented
constitute an offer to sell or the solicitation of an offer to buy nor
shall there be any sale of the securities in any jurisdiction in which
such offer, solicitation or sale would be unlawful prior to
registration or qualification under the securities laws of such
jurisdiction. The securities may not be sold nor may an offer to buy
be accepted prior to the delivery of a final prospectus relating to
the securities. The above preliminary description of the underlying
assets has been provided by the issuer and has not been independently
verified by CS First Boston. All information described above is
preliminary, limited in nature and subject to completion or amendment.
CS First Boston makes no representations that the above referenced
security will actually perform as described in any scenario presented.
[LOGO] CS FIRST BOSTON
<PAGE>
FIXED RATE COLLATERAL SUMMARY
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
- -------------------------------------------------------------------
UCFC6C
Cut Off Date of Tape is 08/31/96
HELS
$204,500,349.95
Mortgage Summary Report
- -------------------------------------------------------------------
Number of Mortgage Loans: 4,440
Aggregate Unpaid Principal Balance: $204,500,349.95
Aggregate Original Principal Balance: $204,902,777.70
Weighted Average Gross Coupon: 12.065%
Gross Coupon Range: 8.500% - 17.100%
- -------------------------------------------------------------------
Average Unpaid Principal Balance: $46,058.64
Average Original Principal Balance: $46,149.27
Maximum Unpaid Principal Balance: $481,664.42
Minimum Unpaid Principal Balance: $5,200.00
Maximum Original Principal Balance: $481,800.00
Minimum Original Principal Balance: $5,200.00
Weighted Avg. Stated Rem. Term : 246.874
Stated Rem Term Range: 48.000 - 360.000
Weighted Avg. Amortized Rem. Term: 249.562
Amortized Rem Term Range: 47.999 - 360.185
Weighted Average Age (Original Term - Rem Term): 1.157
Age Range: 0.000 - 141.000
Weighted Average Original Term: 248.031
Original Term Range: 48.000 - 360.000
Weighted Average Combined LTV: 78.448
Combined LTV Range: 11.300% - 100.000%
Geographics: LA 11%, FL 9%, OH 7%, NC 5%, MI 5%
Property Type:
Single Family 88%
Duplex 5%
Other 7%
The above analysis is not intended to be a prospectus and any
investment decision with respect to the security should be made by you
based solely upon all of the information contained in the final
prospectus. Under no circumstances shall the information presented
constitute an offer to sell or the solicitation of an offer to buy nor
shall there be any sale of the securities in any jurisdiction in which
such offer, solicitation or sale would be unlawful prior to
registration or qualification under the securities laws of such
jurisdiction. The securities may not be sold nor may an offer to buy
be accepted prior to the delivery of a final prospectus relating to
the securities. The above preliminary description of the underlying
assets has been provided by the issuer and has not been independently
verified by CS First Boston. All information described above is
preliminary, limited in nature and subject to completion or amendment.
CS First Boston makes no representations that the above referenced
security will actually perform as described in any scenario presented.
[LOGO] CS FIRST BOSTON
<PAGE>
FLOATING RATE COLLATERAL SUMMARY
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
- -------------------------------------------------------------------
UCFC6C
Cut Off Date of Tape is 08/31/96
HELS - Adjustable Rate Loans
$133,252,524.11
- -------------------------------------------------------------------
Number of Mortgage Loans: 1,954
Index: 6 Mo. LIBOR
Aggregate Unpaid Principal Balance: $133,252,524.11
Aggregate Original Principal Balance: $133,372,367.96
- -------------------------------------------------------------------
Weighted Average Coupon (Gross): 10.248%
Gross Coupon Range: 8.200% - 12.900%
- -------------------------------------------------------------------
Weighted Average Margin (Gross): 5.304%
Gross Margin Range: 4.000% - 8.450%
Weighted Average Life Cap (Gross): 16.251%
Gross Life Cap Range: 11.850% - 18.900%
Weighted Average Life Floor (Gross): 10.237%
Gross Life Floor Range: 7.750% - 12.900%
- -------------------------------------------------------------------
Average Unpaid Principal Balance: $68,194.74
Average Original Principal Balance: $68,256.07
Maximum Unpaid Principal Balance: $411,168.17
Minimum Unpaid Principal Balance: $9,279.35
Maximum Original Principal Balance: $411,400.00
Minimum Original Principal Balance: $9,300.00
Weighted Avg. Stated Rem. Term : 322.860
Stated Rem Term Range: 58.000 - 360.000
Weighted Avg. Amortized Rem. Term: 322.855
Amortized Rem Term Range: 58.001 - 360.067
Weighted Average Age (Original Term - Rem Term): 1.096
Age Range: 0.000 - 166.000
Weighted Average Original Term: 323.956
Original Term Range: 60.000 - 360.000
The above analysis is not intended to be a prospectus and any
investment decision with respect to the security should be made by you
based solely upon all of the information contained in the final
prospectus. Under no circumstances shall the information presented
constitute an offer to sell or the solicitation of an offer to buy nor
shall there be any sale of the securities in any jurisdiction in which
such offer, solicitation or sale would be unlawful prior to
registration or qualification under the securities laws of such
jurisdiction. The securities may not be sold nor may an offer to buy
be accepted prior to the delivery of a final prospectus relating to
the securities. The above preliminary description of the underlying
assets has been provided by the issuer and has not been independently
verified by CS First Boston. All information described above is
preliminary, limited in nature and subject to completion or amendment.
CS First Boston makes no representations that the above referenced
security will actually perform as described in any scenario presented.
[LOGO] CS FIRST BOSTON
<PAGE>
FLOATING RATE COLLATERAL SUMMARY
UCFC Loan Trust 1996-C - Home Equity Loan Pass-Through Certificates
Weighted Average Combined LTV: 81.355%
Combined LTV Range: 13.800% - 100.000%
Weighted Average Periodic Interest Cap: 1.040%
Periodic Interest Cap Range: 1.000% - 3.000%
Weighted Average Months to Interest Roll: 6.834
Months to Interest Roll Range: 2 - 24
Weighted Average Interest Roll Frequency: 6.000
Interest Frequency Range: 6 - 6
Geographics: CA 12%, OH 10%, IN 5%, MI 8%, NC 5%
Property Type:
Single Family 91%
Duplex 4%
Other 5%
The above analysis is not intended to be a prospectus and any
investment decision with respect to the security should be made by you
based solely upon all of the information contained in the final
prospectus. Under no circumstances shall the information presented
constitute an offer to sell or the solicitation of an offer to buy nor
shall there be any sale of the securities in any jurisdiction in which
such offer, solicitation or sale would be unlawful prior to
registration or qualification under the securities laws of such
jurisdiction. The securities may not be sold nor may an offer to buy
be accepted prior to the delivery of a final prospectus relating to
the securities. The above preliminary description of the underlying
assets has been provided by the issuer and has not been independently
verified by CS First Boston. All information described above is
preliminary, limited in nature and subject to completion or amendment.
CS First Boston makes no representations that the above referenced
security will actually perform as described in any scenario presented.
[LOGO] CS FIRST BOSTON
<PAGE>
UCFC 1996-C CS First Boston Computational Materials
Schedule of Monthly Available Funds Caps for Class A-9 Adjustable Rate
Certificates
Assumes 6 month LIBOR remains constant at 5.625%
- ---------------------------
MONTHS COUPON CAP
- ---------------------------
7/15/96 9.26
8/15/96 9.26
9/15/96 9.27
10/15/96 9.31
11/15/96 9.69
12/15/96 10.19
1/15/97 10.29
2/15/97 10.29
3/15/97 10.30
4/15/97 10.34
5/15/97 10.70
6/15/97 11.20
7/15/97 11.29
8/15/97 10.80
9/15/97 10.80
10/15/97 10.80
11/15/97 10.94
12/15/97 11.13
1/15/98 11.20
2/15/98 11.20
3/15/98 11.20
4/15/98 11.20
5/15/98 11.20
6/15/98 11.20
7/15/98 11.20
8/15/98 11.20
9/15/98 11.20
10/15/98 11.20
11/15/98 11.20
12/15/98 11.20
1/15/99 11.20
2/15/99 11.20
3/15/99 11.20
4/15/99 11.20
5/15/99 11.20
6/15/99 11.20
7/15/99 11.20
8/15/99 11.20
9/15/99 11.20
10/15/99 11.20
11/15/99 11.20
12/15/99 11.20
1/15/00 11.20
2/15/00 11.20
3/15/00 11.20
4/15/00 11.20
5/15/00 11.20
6/15/00 11.20
7/15/00 11.20
8/15/00 11.20
9/15/00 11.20
10/15/00 11.20
11/15/00 11.20
12/15/00 11.20
1/15/01 11.20
2/15/01 11.20
3/15/01 11.20
4/15/01 11.20
5/15/01 11.20
6/15/01 11.20
7/15/01 11.20
8/15/01 11.20
9/15/01 11.20
10/15/01 11.20
11/15/01 11.20
12/15/01 11.20
1/15/02 11.20
2/15/02 11.20
3/15/02 11.20
4/15/02 11.20
5/15/02 11.20
6/15/02 11.20
7/15/02 11.20
8/15/02 11.20
9/15/02 11.20
10/15/02 11.20
11/15/02 11.20
12/15/02 11.20
1/15/03 11.20
2/15/03 11.20
3/15/03 11.20
4/15/03 11.20
5/15/03 11.20
6/15/03 11.20
7/15/03 11.20
8/15/03 11.20
9/15/03 11.20
10/15/03 11.20
11/15/03 11.20
12/15/03 11.20
1/15/04 11.20
2/15/04 11.20
3/15/04 11.20
4/15/04 11.20
5/15/04 11.20
6/15/04 11.20
7/15/04 11.20
8/15/04 11.20
9/15/04 11.20
10/15/04 11.20
11/15/04 11.20
12/15/04 11.20
1/15/05 11.20
2/15/05 11.20
3/15/05 11.20
4/15/05 11.20
5/15/05 11.20
6/15/05 11.20
7/15/05 11.20
8/15/05 11.20
9/15/05 11.20
10/15/05 11.20
11/15/05 11.20
12/15/05 11.20
1/15/06 11.20
2/15/06 11.20
3/15/06 11.20
4/15/06 11.20
5/15/06 11.20
6/15/06 11.20
7/15/06 11.20
8/15/06 11.20
9/15/06 11.20
10/15/06 11.20
11/15/06 11.20
12/15/06 11.20
1/15/07 11.20
2/15/07 11.20
3/15/07 11.20
4/15/07 11.20
5/15/07 11.20
6/15/07 11.20
7/15/07 11.20
8/15/07 11.20
9/15/07 11.20
10/15/07 11.20
11/15/07 11.20
12/15/07 11.20
1/15/08 11.20
2/15/08 11.20
3/15/08 11.20
4/15/08 11.20
5/15/08 11.20
6/15/08 11.20
7/15/08 11.20
8/15/08 11.20
9/15/08 11.20
10/15/08 11.20
11/15/08 11.20
12/15/08 11.20
1/15/09 11.20
2/15/09 11.20
3/15/09 11.21
4/15/09 11.21
5/15/09 11.21
6/15/09 11.21
7/15/09 11.21
8/15/09 11.21
9/15/09 11.21
10/15/09 11.21
11/15/09 11.21
12/15/09 11.21
1/15/10 11.21
2/15/10 11.21
3/15/10 11.21
4/15/10 11.21
5/15/10 11.21
6/15/10 11.21
7/15/10 11.21
8/15/10 11.21
9/15/10 11.21
10/15/10 11.21
11/15/10 11.21
12/15/10 11.21
1/15/11 11.21
2/15/11 11.21
3/15/11 11.21
(1) Available Funds Cap equals gross WAC on collateral minus 0.59% in
months 1 to 12 and minus 1.09% thereafter.
The above analysis is not intended to be a prospectus and any
investment decision with respect to the security should be made by you
based solely upon all of the information contained in the final
prospectus. Under no circumstances shall the information presented
constitute an offer to sell or the solicitation of an offer to buy nor
shall there be any sale of the securities in any jurisdiction in which
such offer, solicitation or sale would be unlawful prior to
registration or qualification under the securities laws of such
jurisdiction. The securities may not be sold nor may an offer to buy
be accepted prior to the delivery of a final prospectus relating to
the securities. The above preliminary description of the underlying
assets has been provided by the issuer and has not been independently
verified by CS First Boston. All information described above is
preliminary, limited in nature and subject to completion or amendment.
CS First Boston makes no representations that the above referenced
security will actually perform as described in any scenario presented.
[LOGO] CS FIRST BOSTON
<PAGE>
UCFC 1996-B CS First Boston Computational Materials
Schedule of Monthly Available Funds Caps for Class A-9 Adjustable Rate
Certificates
Assumes 6 month LIBOR remains constant at 5.625%
- ---------------------------
MONTHS COUPON CAP
- ---------------------------
4/15/11 11.21
5/15/11 11.21
6/15/11 11.20
7/15/11 11.20
8/15/11 11.20
9/15/11 11.20
10/15/11 11.20
11/15/11 11.20
12/15/11 11.20
1/15/12 11.20
2/15/12 11.20
3/15/12 11.20
4/15/12 11.20
5/15/12 11.20
6/15/12 11.20
7/15/12 11.20
8/15/12 11.20
9/15/12 11.20
10/15/12 11.20
11/15/12 11.20
12/15/12 11.20
1/15/13 11.20
2/15/13 11.20
3/15/13 11.20
4/15/13 11.20
5/15/13 11.20
6/15/13 11.20
7/15/13 11.20
8/15/13 11.20
9/15/13 11.20
10/15/13 11.20
11/15/13 11.20
12/15/13 11.20
1/15/14 11.20
2/15/14 11.20
3/15/14 11.20
4/15/14 11.20
5/15/14 11.20
6/15/14 11.20
7/15/14 11.20
8/15/14 11.20
9/15/14 11.20
10/15/14 11.20
11/15/14 11.20
12/15/14 11.20
1/15/15 11.20
2/15/15 11.20
3/15/15 11.20
4/15/15 11.20
5/15/15 11.20
6/15/15 11.20
7/15/15 11.20
8/15/15 11.20
9/15/15 11.20
10/15/15 11.20
11/15/15 11.20
12/15/15 11.20
1/15/16 11.20
2/15/16 11.20
3/15/16 11.20
4/15/16 11.20
5/15/16 11.20
6/15/16 11.20
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(1) Available Funds Cap equals gross WAC on collateral minus 0.59% in
months 1 to 12 and minus 1.09% thereafter.
The above analysis is not intended to be a prospectus and any
investment decision with respect to the security should be made by you
based solely upon all of the information contained in the final
prospectus. Under no circumstances shall the information presented
constitute an offer to sell or the solicitation of an offer to buy nor
shall there be any sale of the securities in any jurisdiction in which
such offer, solicitation or sale would be unlawful prior to
registration or qualification under the securities laws of such
jurisdiction. The securities may not be sold nor may an offer to buy
be accepted prior to the delivery of a final prospectus relating to
the securities. The above preliminary description of the underlying
assets has been provided by the issuer and has not been independently
verified by CS First Boston. All information described above is
preliminary, limited in nature and subject to completion or amendment.
CS First Boston makes no representations that the above referenced
security will actually perform as described in any scenario presented.
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