SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
Date of Report (Date of earliest event reported) June 1, 1997
RESIDENTIAL ACCREDIT LOANS, INC. (as company under a Pooling and Servicing
Agreement dated as of June 1, 1997 providing for, inter alia, the issuance of
Mortgage Asset- Backed Pass-Through Certificates, Series 1997-QS6)
Residential Accredit Loans, Inc.
(Exact name of registrant as specified in its charter)
DELAWARE 333-8733 51-0368240
(State or other jurisdiction (Commission) (I.R.S. employer
of incorporation) file number) identification no.)
8400 Normandale Lake Blvd., Suite 600, Minneapolis, MN 55437
(Address of principal executive offices) (Zip code)
Registrant's telephone number, including area code (612) 832-7000
(Former name or former address, if changed since last report)
Exhibit Index located on Page 2
<PAGE>
Items 1 through 6 and Item 8 are not included because they are not applicable.
Item 7. Financial Statements, Pro Forma Financial Information and Exhibits.
(a) Not applicable
(b) Not applicable
(c) Exhibits (executed copies): The following
execution copies of Exhibits to the Form S-3 Registration Statement
of the Registrant are hereby filed:
Sequentially
Exhibit Numbered
Number Exhibit Page
10.1 Pooling and Servicing Agreement, dated as of June 1, 1997 4
among Residential Accredit Loans, Inc., as company,
Residential Funding Corporation, as master servicer, and
Bankers Trust Company, as trustee.
<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.
RESIDENTIAL ACCREDIT LOANS, INC.
By: /s/ Randy Van Zee
Name: Randy Van Zee
Title: Vice President
Dated: June 30, 1997
<PAGE>
Exhibit 10.1
Pooling and Servicing Agreement, dated as of June 1, 1997
among Residential Accredit Loans, Inc., as company,
Residential Funding Corporation, as master servicer, and
Bankers Trust Company, as trustee.
<PAGE>
EXECUTION COPY
-----------------------------------------------------
-----------------------------------------------------
RESIDENTIAL ACCREDIT LOANS, INC.,
Company,
RESIDENTIAL FUNDING CORPORATION,
Master Servicer,
and
BANKERS TRUST COMPANY,
Trustee
POOLING AND SERVICING AGREEMENT
Dated as of June 1, 1997
Mortgage Asset-Backed Pass-Through Certificates
Series 1997-QS6
- -----------------------------------------------------
- -----------------------------------------------------
NY1-214425.3
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TABLE OF CONTENTS
Page
ARTICLE I
DEFINITIONS
Section 1.01. Definitions.................................... 2
Accrued Certificate Interest..................................... 2
Addendum and Assignment Agreement................................ 3
Additional Collateral............................................ 3
Additional Collateral Loan....................................... 4
Adjusted Mortgage Rate........................................... 4
Advance ....................................................... 4
Affiliate ....................................................... 4
Agreement ....................................................... 4
Amount Held for Future Distribution.............................. 4
Appraised Value.................................................. 4
Assignment....................................................... 5
Assignment Agreement............................................. 5
Assignment of Proprietary Lease.................................. 5
Available Distribution Amount.................................... 5
Bankruptcy Amount................................................ 5
Bankruptcy Code.................................................. 7
Bankruptcy Loss.................................................. 7
Book-Entry Certificate........................................... 7
Business Day..................................................... 7
Buydown Funds.................................................... 7
Buydown Mortgage Loan............................................ 7
Cash Liquidation................................................. 7
Certificate...................................................... 8
Certificate Account.............................................. 8
Certificate Account Deposit Date................................. 8
Certificateholder or Holder...................................... 8
Certificate Owner................................................ 8
Certificate Principal Balance.................................... 8
Certificate Register and Certificate Registrar................... 9
Class ....................................................... 9
Class A Certificate.............................................. 9
Class A-6 Collection Shortfall...................................10
Class A-6 Principal Distribution Amount..........................10
Class A-7 Notional Amount........................................10
Class B Certificate..............................................10
Class B Percentage...............................................10
Class B-1 Percentage.............................................10
Class B-1 Prepayment Distribution Trigger........................10
Class B-2 Percentage.............................................11
Class B-2 Prepayment Distribution Trigger........................11
Class B-3 Percentage.............................................11
Class B-3 Prepayment Distribution Trigger........................11
Class M Certificate..............................................11
Class M Percentage...............................................11
Class M-1 Percentage.............................................11
Class M-2 Percentage.............................................12
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Page
Class M-2 Prepayment Distribution Trigger.................................12
Class M-3 Percentage......................................................12
Class M-3 Prepayment Distribution Trigger.................................12
Class R Certificate.......................................................12
Closing Date..............................................................12
Code ................................................................13
Compensating Interest.....................................................13
Cooperative...............................................................13
Cooperative Apartment.....................................................13
Cooperative Lease.........................................................13
Cooperative Loans.........................................................13
Cooperative Stock.........................................................13
Cooperative Stock Certificate.............................................14
Corporate Trust Office....................................................14
Credit Support Depletion Date.............................................14
Curtailment...............................................................14
Custodial Account.........................................................14
Custodial Agreement.......................................................14
Custodian ................................................................14
Cut-off Date..............................................................14
Cut-off Date Principal Balance............................................14
Debt Service Reduction....................................................14
Defaulted Mortgage Loss...................................................14
Deficient Valuation.......................................................15
Definitive Certificate....................................................15
Deleted Mortgage Loan.....................................................15
Depository................................................................15
Depository Participant....................................................15
Destroyed Mortgage Note...................................................15
Determination Date........................................................15
Discount Fraction.........................................................15
Discount Mortgage Loan....................................................16
Disqualified Organization.................................................16
Distribution Date.........................................................16
Due Date ................................................................16
Due Period................................................................16
Eligible Account..........................................................16
Eligible Funds............................................................17
Event of Default..........................................................17
Excess Bankruptcy Loss....................................................17
Excess Fraud Loss.........................................................17
Excess Special Hazard Loss................................................17
Excess Subordinate Principal Amount.......................................18
Extraordinary Events......................................................18
Extraordinary Losses......................................................19
FASIT ................................................................19
FDIC ................................................................19
FHLMC ................................................................19
Final Distribution Date...................................................19
Fitch ................................................................19
FNMA ................................................................19
Foreclosure Profits.......................................................19
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Page
Fraud Loss Amount.........................................................19
Fraud Losses..............................................................20
Independent...............................................................20
Initial Certificate Principal Balance.....................................20
Initial Class A-7 Notional Amount:........................................20
Initial Monthly Payment Fund..............................................20
Insurance Proceeds........................................................20
Insurer ................................................................21
Interest Accrual Period...................................................21
International Borrower....................................................21
Late Collections..........................................................21
Liquidation Proceeds......................................................21
Loan-to-Value Ratio.......................................................21
Maturity Date.............................................................21
Monthly Payment.......................................................... 22
Moody's ................................................................22
Mortgage ................................................................22
Mortgage 100SM Loan.......................................................22
Mortgage File............................................................. 22
Mortgage Loan Schedule....................................................22
Mortgage Loans............................................................23
Mortgage Note.............................................................23
Mortgage Rate.............................................................23
Mortgaged Property........................................................24
Mortgagor ................................................................24
Net Mortgage Rate.........................................................24
Non-Discount Mortgage Loan................................................24
Non-Primary Residence Loans...............................................24
Non-United States Person..................................................24
Nonrecoverable Advance....................................................24
Nonsubserviced Mortgage Loan..............................................24
Officers' Certificate.....................................................24
Opinion of Counsel........................................................24
Outstanding Mortgage Loan.................................................25
Ownership Interest........................................................25
Parent PowerSM Loan.......................................................25
Pass-Through Rate.........................................................25
Paying Agent..............................................................26
Percentage Interest.......................................................26
Permitted Investments.....................................................26
Permitted Transferee......................................................27
Person ................................................................27
Pledged Asset Mortgage Servicing Agreement................................28
Pool Stated Principal Balance.............................................28
Pool Strip Rate...........................................................28
Prepayment Assumption.....................................................28
Prepayment Distribution Percentage........................................28
Prepayment Distribution Trigger...........................................30
Prepayment Interest Shortfall.............................................30
Prepayment Lockout Percentage.............................................30
NY1-214425.3
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Page
Prepayment Period..........................................................30
Primary Insurance Policy...................................................30
Principal Prepayment.......................................................30
Principal Prepayment in Full...............................................30
Program Guide..............................................................30
Purchase Price.............................................................31
Qualified Substitute Mortgage Loan.........................................31
Rating Agency..............................................................32
Realized Loss..............................................................32
Record Date................................................................32
Regular Certificate........................................................33
REMIC .................................................................33
REMIC Administrator........................................................33
REMIC Provisions...........................................................33
REO Acquisition............................................................33
REO Disposition............................................................33
REO Imputed Interest.......................................................33
REO Proceeds...............................................................33
REO Property...............................................................34
Request for Release........................................................34
Required Insurance Policy..................................................34
Required Surety Payment....................................................34
Residential Funding........................................................34
Responsible Officer........................................................34
Schedule of Discount Fractions.............................................34
Security Agreement.........................................................34
Seller .................................................................34
Senior Accelerated Distribution Percentage.......................34
Seller's Agreement.........................................................36
Senior Percentage..........................................................36
Senior Principal Distribution Amount.......................................36
Servicing Accounts.........................................................36
Servicing Advances.........................................................36
Servicing Fee..............................................................36
Servicing Officer..........................................................37
Special Hazard Amount......................................................37
Special Hazard Loss........................................................38
Special Hazard Percentage..................................................38
Standard & Poor's..........................................................38
Stated Principal Balance...................................................38
Subclass .................................................................38
Subclass Notional Amount...................................................39
Subordinate Percentage.....................................................39
Subordinate Principal Distribution Amount..................................39
Subserviced Mortgage Loan..................................................39
Subservicer................................................................39
Subservicer Advance........................................................40
Subservicing Account.......................................................40
Subservicing Agreement.....................................................40
Subservicing Fee...........................................................40
Surety .................................................................40
Surety Bond................................................................40
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Page
Tax Returns................................................................40
Transfer .................................................................41
Transferee.................................................................41
Transferor.................................................................41
Trust Fund.................................................................41
Uncertificated REMIC Regular Interests.....................................41
Uniform Single Attestation Program for Mortgage
Bankers..........................................................41
Uninsured Cause............................................................42
United States Person.......................................................42
Voting Rights..............................................................42
ARTICLE II
CONVEYANCE OF MORTGAGE LOANS;
ORIGINAL ISSUANCE OF CERTIFICATES
Section 2.01.Conveyance of Mortgage Loans.................................43
Section 2.02.Acceptance by Trustee........................................49
Section 2.03.Representations, Warranties and
Covenants of the Master Servicer and the
Company......................................................50
Section 2.04.Representations and Warranties
of Sellers...................................................55
Section 2.05.Execution and Authentication of
Certificates.................................................57
ARTICLE III
ADMINISTRATION AND SERVICING
OF MORTGAGE LOANS
Section 3.01.Master Servicer to Act as Servicer...........................58
Section 3.02.Subservicing Agreements Between Master
Servicer and Subservicers; Enforcement
of Subservicers' and Sellers'
Obligations..................................................59
Section 3.03.Successor Subservicers.......................................60
Section 3.04.Liability of the Master Servicer.............................61
Section 3.05.No Contractual Relationship Between
Subservicer and Trustee or
Certificateholders. .........................61
Section 3.06.Assumption or Termination of
Subservicing Agreements by Trustee...........................62
Section 3.07.Collection of Certain Mortgage Loan
Payments; Deposits to
Custodial Account............................................62
Section 3.08.Subservicing Accounts; Servicing
Accounts.....................................................65
Section 3.09.Access to Certain Documentation and
Information Regarding the Mortgage
Loans........................................................67
NY1-214425.3
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Page
Section 3.10.Permitted Withdrawals from the
Custodial Account........................................... 67
Section 3.11.Maintenance of the Primary Insurance
Policies; Collections Thereunder............................ 69
Section 3.12.Maintenance of Fire Insurance and
Omissions and Fidelity Coverage. .......................... 70
Section 3.13.Enforcement of Due-on-Sale Clauses;
Assumption and Modification Agreements;
Certain Assignments......................................... 72
Section 3.14.Realization Upon Defaulted Mortgage
Loans....................................................... 75
Section 3.15.Trustee to Cooperate;
Release of Mortgage Files................................... 78
Section 3.16.Servicing and Other Compensation;
Compensating Interest....................................... 80
Section 3.17.Reports to the Trustee and the Company...................... 81
Section 3.18.Annual Statement as to Compliance........................... 81
Section 3.19.Annual Independent Public Accountants'
Servicing Report............................................ 82
Section 3.20.Rights of the Company in Respect
of the Master Servicer. ............................ 82
Section 3.21.Administration of Buydown Funds............................. 83
ARTICLE IV
PAYMENTS TO CERTIFICATEHOLDERS
Section 4.01.Certificate Account......................................... 84
Section 4.02.Distributions............................................... 84
Section 4.03.Statements to Certificateholders............................ 95
Section 4.04.Distribution of Reports to the
Trustee and the Company; Advances
by the Master Servicer...................................... 97
Section 4.05.Allocation of Realized Losses............................... 99
Section 4.06.Reports of Foreclosures and Abandonment
of Mortgaged Property. .....................100
Section 4.07.Optional Purchase of Defaulted Mortgage
Loans. .....................101
Section 4.08.Surety Bond.................................................101
ARTICLE V
THE CERTIFICATES
Section 5.01.The Certificates............................................103
Section 5.02.Registration of Transfer and Exchange of
Certificates. ............................................106
Section 5.03.Mutilated, Destroyed, Lost or Stolen
Certificates................................................111
Section 5.04.Persons Deemed Owners.......................................112
Section 5.05.Appointment of Paying Agent.................................112
Section 5.06.Optional Purchase of Certificates...........................112
NY1-214425.3
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Page
ARTICLE VI
THE COMPANY AND THE MASTER SERVICER
Section 6.01. Respective Liabilities of the Company
and the Master Servicer................................115
Section 6.02. Merger or Consolidation of the
Company or the Master Servicer;
Assignment of Rights and Delegation
of Duties by Master Servicer...........................115
Section 6.03. Limitation on Liability of the Company,
the Master Servicer and Others. ................116
Section 6.04. Company and Master
Servicer Not to Resign.................................117
ARTICLE VII
DEFAULT
Section 7.01. Events of Default......................................118
Section 7.02. Trustee or Company to Act; Appointment
of Successor...........................................120
Section 7.03. Notification to Certificateholders.....................121
Section 7.04. Waiver of Events of Default............................121
ARTICLE VIII
CONCERNING THE TRUSTEE
Section 8.01. Duties of Trustee......................................123
Section 8.02. Certain Matters Affecting the Trustee..................125
Section 8.03. Trustee Not Liable for Certificates or
Mortgage Loans.........................................127
Section 8.04. Trustee May Own Certificates...........................127
Section 8.05. Master Servicer to Pay Trustee's Fees
and Expenses; Indemnification. .................127
Section 8.06. Eligibility Requirements for Trustee...................128
Section 8.07. Resignation and Removal of the Trustee.................129
Section 8.08. Successor Trustee......................................130
Section 8.09. Merger or Consolidation of Trustee.....................130
Section 8.10. Appointment of Co-Trustee or Separate
Trustee................................................131
Section 8.11. Appointment of Custodians..............................132
Section 8.12. Appointment of Office or Agency........................132
ARTICLE IX
TERMINATION
Section 9.01. Termination Upon Purchase by the Master
Servicer or the Company or
Liquidation of All Mortgage Loans......................133
NY1-214425.3
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Page
Section 9.02. Additional Termination Requirements......................136
ARTICLE X
REMIC PROVISIONS
Section 10.01 REMIC Administration.....................................137
Section 10.02 Master Servicer, REMIC Administrator and
Trustee Indemnification..................................141
ARTICLE XI
MISCELLANEOUS PROVISIONS
Section 11.01 Amendment................................................143
Section 11.02 Recordation of Agreement; Counterparts...................146
Section 11.03 Limitation on Rights
of Certificateholders....................................146
Section 11.04 Governing Law............................................147
Section 11.05 Notices..................................................147
Section 11.06 Notices to Rating Agency.................................148
Section 11.07 Severability of Provisions...............................149
Section 11.08 Supplemental Provisions
for Resecuritization.....................................149
NY1-214425.3
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<PAGE>
EXHIBITS
Exhibit A: Form of Class A Certificate
Exhibit B: Form of Class M Certificate
Exhibit C: Form of Class B Certificate
Exhibit D: Form of Class R Certificate
Exhibit E: Form of Custodial Agreement
Exhibit F: Mortgage Loan Schedule
Exhibit G: Form of Seller/Servicer Contract
Exhibit H: Forms of Request for Release
Exhibit I-1: Form of Transfer Affidavit and Agreement
Exhibit I-2: Form of Transferor Certificate
Exhibit J: Form of Investor Representation Letter
Exhibit K: Form of Transferor Representation Letter
Exhibit L: Form of Rule 144A Investment Representation
Letter
Exhibit M: Text of Amendment to Pooling and Servicing
Agreement Pursuant to Section 11.01(e) for a
Limited Guaranty
Exhibit N: Form of Limited Guaranty
Exhibit O: Form of Lender Certification for Assignment of
Mortgage Loan
Exhibit P: Schedule of Discount Fractions
Exhibit Q: Request for Exchange Form
NY1-214425.3
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<PAGE>
This is a Pooling and Servicing Agreement, dated as of June 1, 1997,
among RESIDENTIAL ACCREDIT LOANS, INC., as the company (together with its
permitted successors and assigns, the "Company"), RESIDENTIAL FUNDING
CORPORATION, as master servicer (together with its permitted successors and
assigns, the "Master Servicer"), and BANKERS TRUST COMPANY, as Trustee (together
with its permitted successors and assigns, the "Trustee").
PRELIMINARY STATEMENT:
The Company intends to sell mortgage pass-through certificates
(collectively, the "Certificates"), to be issued hereunder in multiple classes,
which in the aggregate will evidence the entire beneficial ownership interest in
the Mortgage Loans (as defined herein). As provided herein, the Master Servicer
will make an election to treat the entire segregated pool of assets described in
the definition of Trust Fund herein, and subject to this Agreement (including
the Mortgage Loans but excluding the Initial Monthly Payment Fund), as a real
estate mortgage investment conduit (a "REMIC") for federal income tax purposes.
The Class A-1, Class A-2, Class A-3, Class A-4, Class A-5, Class A-6, Class A-7,
Class M-1, Class M-2, Class M-3, Class B-1, Class B-2 and Class B-3 Certificates
and the Uncertificated REMIC Regular Interests (as defined herein), the rights
in and to which will be initially represented by the Class A-7 Certificates,
will be "regular interests" in the REMIC, and the Class R Certificates will be
the sole class of "residual interests" therein for purposes of the REMIC
Provisions (as defined herein) under federal income tax law.
NY1-214425.3
<PAGE>
The following table sets forth the designation, type, Pass-Through
Rate, aggregate Initial Certificate Principal Balance, Maturity Date, initial
ratings and certain features for each Class of Certificates comprising the
interests in the Trust
Fund created hereunder.
<TABLE>
<CAPTION>
Aggregate Initial
Certificate
Pass-Through Principal Maturity
Designation Rate Balance Features Date Moody's Fitch
----------- ------ --------- -------- ------ ------- -----
<S> <C> <C> <C> <C> <C> <C>
Class A-1 7.50% $ 42,946,000.00 Senior June 25, 2012 AAA AAA
Class A-2 7.50% $ 15,683,000.00 Senior June 25, 2012 AAA AAA
Class A-3 7.50% $ 18,746,000.00 Senior June 25, 2012 AAA AAA
Class A-4 7.50% $ 2,046,000.00 Senior June 25, 2012 AAA AAA
Class A-5 7.50% $ 21,277,000.00 Prepayment Lockout/Senior June 25, 2012 AAA AAA
Class A-6 0.00% $ 164,986.80 Principal Only/Senior June 25, 2012 AAA AAA
Class A-7 Variable Rate $ 0 Variable Strip/Senior June 25, 2012 AAA AAA
Class R 7.50% $ 100.00 Residual/Senior June 25, 2012 AAA AAA
Class M-1 7.50% $ 2,654,400.00 Mezzanine June 25, 2012 N/A AA
Class M-2 7.50% $ 1,061,700.00 Mezzanine June 25, 2012 N/A A
Class M-3 7.50% $ 690,100.00 Mezzanine June 25, 2012 N/A BBB
Class B-1 7.50% $ 371,600.00 Subordinate June 25, 2012 N/A BB
Class B-2 7.50% $ 159,300.00 Subordinate June 25, 2012 N/A B
Class B-3 7.50% $ 372,446.48 Subordinate June 25, 2012 N/A N/A
</TABLE>
The Mortgage Loans have an aggregate Cut-off Date Principal Balance
equal to $106,172,633.28. The Mortgage Loans are fixed-rate first lien mortgage
loans having terms to maturity at origination or modification of not more than
15 years.
In consideration of the mutual agreements herein contained, the
Company, the Master Servicer and the Trustee agree as follows:
ARTICLE I
DEFINITIONS
Section 1.01. Definitions.
Whenever used in this Agreement, the following words and phrases,
unless the context otherwise requires, shall have the meanings specified in this
Article.
Accrued Certificate Interest: With respect to each Distribution Date,
as to any Class A Certificate (other than the Class A-6 Certificates and Class
A-7 Certificates), any Class M Certificate, any Class B Certificate or any Class
R Certificate, interest accrued during the related Interest Accrual Period at
the related Pass-Through Rate on the Certificate Principal Balance thereof
immediately prior to such Distribution Date. With respect to each Distribution
Date, as to the Class A-7 Certificates in the aggregate, interest accrued during
the
NY1-214425.3
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related Interest Accrual Period at the related Pass-Through Rate on the Class
A-7 Notional Amount. With respect to each Distribution Date, as to any Subclass
of Class A-7 Certificates, interest accrued during the related Interest Accrual
Period at the related Pass-Through Rate on the Subclass Notional Amount. Accrued
Certificate Interest will be calculated on the basis of a 360-day year,
consisting of twelve 30-day months. In each case Accrued Certificate Interest on
any Class of Certificates will be reduced by the amount of (i) Prepayment
Interest Shortfalls (to the extent not offset by the Master Servicer with a
payment of Compensating Interest as provided in Section 4.01), (ii) the interest
portion (adjusted to the Net Mortgage Rate) of Realized Losses (including Excess
Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses and
Extraordinary Losses) not allocated solely to one or more specific Classes of
Certificates pursuant to Section 4.05, (iii) the interest portion of Advances
previously made with respect to a Mortgage Loan or REO Property which remained
unreimbursed following the Cash Liquidation or REO Disposition of such Mortgage
Loan or REO Property that were made with respect to delinquencies that were
ultimately determined to be Excess Special Hazard Losses, Excess Fraud Losses,
Excess Bankruptcy Losses or Extraordinary Losses and (iv) any other interest
shortfalls not covered by the subordination provided by the Class M Certificates
and Class B Certificates, including interest that is not collectible from the
Mortgagor pursuant to the Soldiers' and Sailors' Civil Relief Act of 1940, as
amended, or similar legislation or regulations as in effect from time to time,
with all such reductions allocated among all of the Certificates in proportion
to their respective amounts of Accrued Certificate Interest payable on such
Distribution Date which would have resulted absent such reductions. Any portion
of the reductions described in the immediately preceding sentence that are
allocated to the Class A-7 Certificates shall be allocated among the Subclasses
thereof, if any, in proportion to their respective amounts of Accrued
Certificate Interest payable on such Distribution Date which would have resulted
absent such reductions. In addition to that portion of the reductions described
in the second preceding sentence that are allocated to any Class of Class B
Certificates or any Class of Class M Certificates, Accrued Certificate Interest
on such Class of Class B Certificates or such Class of Class M Certificates will
be reduced by the interest portion (adjusted to the Net Mortgage Rate) of
Realized Losses that are allocated solely to such Class of Class B Certificates
or such Class of Class M Certificates pursuant to Section 4.05.
Addendum and Assignment Agreement: The Addendum and
Assignment Agreement, dated as of January 31, 1995, between MLCC
and the Master Servicer.
Additional Collateral: With respect to any Mortgage 100SM
Loan, the marketable securities held from time to time as
security for the repayment of such Mortgage 100SM Loan and any
NY1-214425.3
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<PAGE>
related collateral. With respect to any Parent PowerSM Loan, the third-party
guarantee for such Parent PowerSM Loan, together with (i) any marketable
securities held from time to time as security for the performance of such
guarantee and any related collateral or (ii) any mortgaged property securing the
performance of such guarantee, the related home equity line of credit loan and
any related collateral.
Additional Collateral Loan: Each Mortgage Loan that is
supported by Additional Collateral.
Adjusted Mortgage Rate: With respect to any Mortgage Loan and any date
of determination, the Mortgage Rate borne by the related Mortgage Note, less the
rate at which the related Subservicing Fee accrues.
Advance: As to any Mortgage Loan, any advance made by the
Master Servicer, pursuant to Section 4.04.
Affiliate: With respect to any Person, any other Person controlling,
controlled by or under common control with such first Person. For the purposes
of this definition, "control" means the power to direct the management and
policies of such Person, directly or indirectly, whether through the ownership
of voting securities, by contract or otherwise; and the terms "controlling" and
"controlled" have meanings correlative to the foregoing.
Agreement: This Pooling and Servicing Agreement and all
amendments hereof and supplements hereto.
Amount Held for Future Distribution: As to any Distribution Date, the
total of the amounts held in the Custodial Account at the close of business on
the preceding Determination Date on account of (i) Liquidation Proceeds,
Insurance Proceeds, Principal Prepayments, Mortgage Loan purchases made pursuant
to Section 2.02, 2.03, 2.04 or 4.07 and Mortgage Loan substitutions made
pursuant to Section 2.03 or 2.04 received or made in the month of such
Distribution Date (other than such Liquidation Proceeds, Insurance Proceeds and
purchases of Mortgage Loans that the Master Servicer has deemed to have been
received in the preceding month in accordance with Section 3.07(b)) and (ii)
payments which represent early receipt of scheduled payments of principal and
interest due on a date or dates subsequent to the related Due Date.
Appraised Value: As to any Mortgaged Property, the lesser of (i) the
appraised value of such Mortgaged Property based upon the appraisal made at the
time of the origination of the related Mortgage Loan, and (ii) the sales price
of the Mortgaged Property at such time of origination, except in the case of a
Mortgaged Property securing a refinanced or modified Mortgage Loan as to which
it is either the appraised value determined above or the
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appraised value determined in an appraisal at the time of
refinancing or modification, as the case may be.
Assignment: An assignment of the Mortgage, notice of transfer or
equivalent instrument, in recordable form, sufficient under the laws of the
jurisdiction wherein the related Mortgaged Property is located to reflect of
record the sale of the Mortgage Loan to the Trustee for the benefit of
Certificateholders, which assignment, notice of transfer or equivalent
instrument may be in the form of one or more blanket assignments covering
Mortgages secured by Mortgaged Properties located in the same county, if
permitted by law and accompanied by an Opinion of Counsel to that effect.
Assignment Agreement: The Assignment and Assumption
Agreement, dated June 30, 1997, between Residential Funding and the Company
relating to the transfer and assignment of the Mortgage Loans.
Assignment of Proprietary Lease: With respect to a Cooperative Loan,
the assignment of the related Cooperative Lease from the Mortgagor to the
originator of the Cooperative Loan.
Available Distribution Amount: As to any Distribution Date, an amount
equal to (a) the sum of (i) the amount on deposit in the Custodial Account as of
the close of business on the immediately preceding Determination Date and
amounts deposited in the Custodial Account in connection with the substitution
of Qualified Substitute Mortgage Loans, (ii) the amount of any Advance made on
the immediately preceding Certificate Account Deposit Date, (iii) any amount
deposited in the Certificate Account on the related Certificate Account Deposit
Date pursuant to the second paragraph of Section 3.12(a), (iv) any amount
deposited in the Certificate Account pursuant to Section 4.07, (v) any amount
that the Master Servicer is not permitted to withdraw from the Custodial Account
or the Certificate Account pursuant to Section 3.16(e) and (vi) any amount
received by the Trustee pursuant to the Surety Bond in respect of such
Distribution Date, reduced by (b) the sum as of the close of business on the
immediately preceding Determination Date of (w) aggregate Foreclosure Profits,
(x) the Amount Held for Future Distribution, and (y) amounts permitted to be
withdrawn by the Master Servicer from the Custodial Account in respect of the
Mortgage Loans pursuant to clauses (ii)-(x), inclusive, of Section 3.10(a).
Bankruptcy Amount: As of any date of determination prior to the first
anniversary of the Cut-off Date, an amount equal to the excess, if any, of (A)
$154,147 over (B) the aggregate amount of Bankruptcy Losses allocated solely to
one or more specific Classes of Certificates in accordance with Section 4.05. As
of any date of determination on or after the first anniversary of the Cut-off
Date, an amount equal to the excess, if any, of (1)
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the lesser of (a) the Bankruptcy Amount calculated as of the close of business
on the Business Day immediately preceding the most recent anniversary of the
Cut-off Date coinciding with or preceding such date of determination (or, if
such date of determination is an anniversary of the Cut-off Date, the Business
Day immediately preceding such date of determination) (for purposes of this
definition, the "Relevant Anniversary") and (b) the greater of
(A) (i) if the aggregate principal balance of the
Non-Primary Residence Loans as of the Relevant Anniversary is less than
10%, $0.00, or (ii) if the aggregate principal balance of the
Non-Primary Residence Loans as of the Relevant Anniversary is equal to
or greater than 10%, the sum of (I) the aggregate principal balance of
the Non-Primary Residence Loans with a Loan-to-Value Ratio of greater
than 80.00% but less than or equal to 90.00%, times 0.25%, (II) the
aggregate principal balance of the Non-Primary Residence Loans with a
Loan-to-Value Ratio of greater than 90.00% but less than or equal to
95.00%, times 0.50%, and (III) the aggregate principal balance of the
Non-Primary Residence Loans with a Loan-to-Value Ratio of greater than
95.00% times 0.75%, in each case as of the Relevant Anniversary; and
(B) the greater of (i) the product of (x) an amount equal to the
largest difference in the related Monthly Payment for any Non-Primary
Residence Loan remaining in the Mortgage Pool (other than Additional
Collateral Loans) which had an original Loan-to-Value Ratio of 80% or
greater that would result if the Net Mortgage Rate thereof was equal to
the weighted average (based on the principal balance of the Mortgage
Loans as of the Relevant Anniversary) of the Net Mortgage Rates of all
Mortgage Loans as of the Relevant Anniversary less 1.25% per annum, (y)
a number equal to the weighted average remaining term to maturity, in
months, of all Non-Primary Residence Loans remaining in the Mortgage
Pool as of the Relevant Anniversary, and (z) one plus the quotient of
the number of all Non-Primary Residence Loans remaining in the Mortgage
Pool divided by the total number of Outstanding Mortgage Loans in the
Mortgage Pool as of the Relevant Anniversary, and (ii) $50,000,
over (2) the aggregate amount of Bankruptcy Losses allocated solely to one or
more specific Classes of Certificates in accordance with Section 4.05 since the
Relevant Anniversary.
The Bankruptcy Amount may be further reduced by the Master Servicer
(including accelerating the manner in which such coverage is reduced) provided
that prior to any such reduction, the Master Servicer shall (i) obtain written
confirmation from each Rating Agency that such reduction shall not reduce the
rating assigned to any Class of Certificates by such Rating Agency below the
lower of the then-current rating or the rating
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assigned to such Certificates as of the Closing Date by such Rating Agency and
(ii) provide a copy of such written confirmation to the Trustee.
Bankruptcy Code: The Bankruptcy Code of 1978, as amended.
Bankruptcy Loss: With respect to any Mortgage Loan, a Deficient
Valuation or Debt Service Reduction; provided, however, that neither a Deficient
Valuation nor a Debt Service Reduction shall be deemed a Bankruptcy Loss
hereunder so long as the Master Servicer has notified the Trustee in writing
that the Master Servicer is diligently pursuing any remedies that may exist in
connection with the representations and warranties made regarding the related
Mortgage Loan and either (A) the related Mortgage Loan is not in default with
regard to payments due thereunder or (B) delinquent payments of principal and
interest under the related Mortgage Loan and any premiums on any applicable
primary hazard insurance policy and any related escrow payments in respect of
such Mortgage Loan are being advanced on a current basis by the Master Servicer
or a Subservicer, in either case without giving effect to any Debt Service
Reduction.
Book-Entry Certificate: Any Certificate registered in the
name of the Depository or its nominee.
Business Day: Any day other than (i) a Saturday or a Sunday or (ii) a
day on which banking institutions in the State of New York, the State of
Michigan, the State of California or the State of Illinois (and such other state
or states in which the Custodial Account or the Certificate Account are at the
time located) are required or authorized by law or executive order to be closed.
Buydown Funds: Any amount contributed by the seller of a Mortgaged
Property, the Company or other source in order to enable the Mortgagor to reduce
the payments required to be made from the Mortgagor's funds in the early years
of a Mortgage Loan. Buydown Funds are not part of the Trust Fund prior to
deposit into the Custodial or Certificate Account.
Buydown Mortgage Loan: Any Mortgage Loan as to which a specified amount
of interest is paid out of related Buydown Funds in accordance with a related
buydown agreement.
Cash Liquidation: As to any defaulted Mortgage Loan other than a
Mortgage Loan as to which an REO Acquisition occurred, a determination by the
Master Servicer that it has received all Insurance Proceeds, Liquidation
Proceeds and other payments or cash recoveries which the Master Servicer
reasonably and in good faith expects to be finally recoverable with respect to
such Mortgage Loan.
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Certificate: Any Class A Certificate, Class M Certificate,
Class B Certificate or Class R Certificate.
Certificate Account: The separate account or accounts created and
maintained pursuant to Section 4.01, which shall be entitled "Bankers Trust
Company, as trustee, in trust for the registered holders of Residential Accredit
Loans, Inc., Mortgage Asset-Backed Pass-Through Certificates, Series 1997-QS6"
and
which must be an Eligible Account.
Certificate Account Deposit Date: As to any Distribution
Date, the Business Day prior thereto.
Certificateholder or Holder: The Person in whose name a Certificate is
registered in the Certificate Register, except that neither a Disqualified
Organization nor a Non-United States Person shall be a holder of a Class R
Certificate for purposes hereof and, solely for the purpose of giving any
consent or direction pursuant to this Agreement, any Certificate, other than a
Class R Certificate, registered in the name of the Company, the Master Servicer
or any Subservicer or any Affiliate thereof shall be deemed not to be
outstanding and the Percentage Interest or Voting Rights evidenced thereby shall
not be taken into account in determining whether the requisite amount of
Percentage Interests or Voting Rights necessary to effect any such consent or
direction has been obtained. All references herein to "Holders" or
"Certificateholders" shall reflect the rights of Certificate Owners as they may
indirectly exercise such rights through the Depository and participating members
thereof, except as otherwise specified herein; provided, however, that the
Trustee shall be required to recognize as a "Holder" or "Certificateholder" only
the Person in whose name a Certificate is registered in the Certificate
Register.
Certificate Owner: With respect to a Book-Entry Certificate, the Person
who is the beneficial owner of such Certificate, as reflected on the books of an
indirect participating brokerage firm for which a Depository Participant acts as
agent, if any, and otherwise on the books of a Depository Participant, if any,
and otherwise on the books of the Depository.
Certificate Principal Balance: With respect to each Class A Certificate
(other than any Class A-7 Certificate) and Class R Certificate, on any date of
determination, an amount equal to (i) the Initial Certificate Principal Balance
of such Certificate as specified on the face thereof, minus (ii) the sum of (x)
the aggregate of all amounts previously distributed with respect to such
Certificate (or any predecessor Certificate) and applied to reduce the
Certificate Principal Balance thereof pursuant to Section 4.02(a) and (y) the
aggregate of all reductions in Certificate Principal Balance deemed to have
occurred in connection with Realized Losses which were previously allocated
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<PAGE>
to such Certificate (or any predecessor Certificate) pursuant to Section 4.05.
With respect to each Class M Certificate, on any date of determination, an
amount equal to (i) the Initial Certificate Principal Balance of such Class M
Certificate as specified on the face thereof, minus (ii) the sum of (x) the
aggregate of all amounts previously distributed with respect to such Certificate
(or any predecessor Certificate) and applied to reduce the Certificate Principal
Balance thereof pursuant to Section 4.02(a) and (y) the aggregate of all
reductions in Certificate Principal Balance deemed to have occurred in
connection with Realized Losses which were previously allocated to such
Certificate (or any predecessor Certificate) pursuant to Section 4.05; provided,
that if the Certificate Principal Balances of the Class B Certificates have been
reduced to zero, the Certificate Principal Balance of each Class M Certificate
of those Class M Certificates outstanding with the highest numerical designation
at any given time shall thereafter be calculated to equal the Percentage
Interest evidenced by such Certificate times the excess, if any, of (A) the then
aggregate Stated Principal Balance of the Mortgage Loans over (B) the then
aggregate Certificate Principal Balance of all other Classes of Certificates
then outstanding. With respect to each Class B Certificate, on any date of
determination, an amount equal to (i) the Initial Certificate Principal Balance
of such Class B Certificate as specified on the face thereof, minus (ii) the sum
of (x) the aggregate of all amounts previously distributed with respect to such
Certificate (or any predecessor Certificate) and applied to reduce the
Certificate Principal Balance thereof pursuant to Section 4.02(a) and (y) the
aggregate of all reductions in Certificate Principal Balance deemed to have
occurred in connection with Realized Losses which were previously allocated to
such Certificate (or any predecessor Certificate) pursuant to Section 4.05;
provided, that the Certificate Principal Balance of each Class B Certificate of
those Class B Certificates outstanding with the highest numerical designation at
any given time shall be calculated to equal the Percentage Interest evidenced by
such Certificate times the excess, if any, of (A) the then aggregate Stated
Principal Balance of the Mortgage Loans over (B) the then aggregate Certificate
Principal Balance of all other Classes of Certificates then outstanding. The
Class A-7 Certificates will have no Certificate Principal Balance.
Certificate Register and Certificate Registrar: The
register maintained and the registrar appointed pursuant to
Section 5.02.
Class: Collectively, all of the Certificates bearing the
same designation.
Class A Certificate: Any one of the Class A-1, Class A-2,
Class A-3, Class A-4, Class A-5, Class A-6 or Class A-7
Certificates, executed by the Trustee and authenticated by the
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Certificate Registrar substantially in the form annexed hereto as Exhibit A,
each such Certificate (other than the Class A-7 Certificates) evidencing an
interest designated as a "regular interest" in the REMIC for purposes of the
REMIC Provisions. The Class A-7 Certificates will represent the entire
beneficial ownership interest in the Uncertificated REMIC Regular Interests. On
and after the date of issuance of any Subclass of Class A-7 Certificates
pursuant to Section 5.01(c), any such Subclass will represent the Uncertificated
REMIC Regular Interest or Interests specified by the initial Holder of the Class
A-7 Certificates pursuant to said Section.
Class A-6 Collection Shortfall: With respect to the Cash Liquidation or
REO Disposition of a Discount Mortgage Loan and any Distribution Date, the
excess of the amount described in Section 4.02(b)(i)(C)(1) over the amount
described in Section 4.02(b)(i)(C)(2).
Class A-6 Principal Distribution Amount: As defined in
Section 4.02(b)(i).
Class A-7 Certificates: The Class A Certificates designated
as Class A-7 Certificates, including any Subclass thereof.
Class A-7 Notional Amount: As of any Distribution Date, with respect to
the Class A-7 Certificates, the aggregate Stated Principal Balance of the
Mortgage Loans immediately prior to such Distribution Date.
Class B Certificate: Any one of the Class B-1 Certificates, Class B-2
Certificates or Class B-3 Certificates executed by the Trustee and authenticated
by the Certificate Registrar substantially in the form annexed hereto as Exhibit
C and evidencing an interest designated as a "regular interest" in the REMIC for
purposes of the REMIC Provisions.
Class B Percentage: The Class B-1 Percentage, Class B-2
Percentage and Class B-3 Percentage.
Class B-1 Percentage: With respect to any Distribution Date, a
fraction, expressed as a percentage, the numerator of which is the aggregate
Certificate Principal Balance of the Class B-1 Certificates immediately prior to
such date and the denominator of which is the aggregate Stated Principal Balance
of all of the Mortgage Loans (or related REO Properties) (other than the related
Discount Fraction of each Discount Mortgage Loan) immediately prior to such
Distribution Date.
Class B-1 Prepayment Distribution Trigger: With respect to any
Distribution Date, a test that shall be satisfied if the fraction (expressed as
a percentage) equal to the sum of the Certificate Principal Balances of the
Class B-1 Certificates, Class B-2 Certificates and Class B-3 Certificates
immediately
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prior to such Distribution Date divided by the aggregate Stated Principal
Balance of all of the Mortgage Loans (or related REO Properties) immediately
prior to such Distribution Date is greater than or equal to 0.85%.
Class B-2 Percentage: With respect to any Distribution Date, a
fraction, expressed as a percentage, the numerator of which is the aggregate
Certificate Principal Balance of the Class B-2 Certificates immediately prior to
such date and the denominator of which is the aggregate Stated Principal Balance
of all of the Mortgage Loans (or related REO Properties) (other than the related
Discount Fraction of each Discount Mortgage Loan) immediately prior to such
Distribution Date.
Class B-2 Prepayment Distribution Trigger: With respect to any
Distribution Date, a test that shall be satisfied if the fraction (expressed as
a percentage) equal to the sum of the Certificate Principal Balances of the
Class B-2 Certificates and Class B-3 Certificates immediately prior to such
Distribution Date divided by the aggregate Stated Principal Balance of all of
the Mortgage Loans (or related REO Properties) immediately prior to such
Distribution Date is greater than or equal to 0.50%.
Class B-3 Percentage: With respect to any Distribution Date, a fraction
expressed as a percentage, the numerator of which is the aggregate Certificate
Principal Balance of the Class B-3 Certificates immediately prior to such date
and the denominator of which is the aggregate Stated Principal Balance of all
the Mortgage Loans (or related REO Properties) (other than the related Discount
Fraction of each Discount Mortgage Loan) immediately prior to such Distribution
Date.
Class B-3 Prepayment Distribution Trigger: With respect to any
Distribution Date, a test that shall be satisfied if the fraction (expressed as
a percentage) equal to the sum of the Certificate Principal Balances of the
Class B-3 Certificates immediately prior to such Distribution Date divided by
the aggregate Stated Principal Balance of all of the Mortgage Loans (or related
REO Properties) immediately prior to such Distribution Date is greater than or
equal to 0.35%.
Class M Certificate: Any one of the Class M-1 Certificates, Class M-2
Certificates or Class M-3 Certificates executed by the Trustee and authenticated
by the Certificate Registrar substantially in the form annexed hereto as Exhibit
B and evidencing an interest designated as a "regular interest" in the REMIC for
purposes of the REMIC Provisions.
Class M Percentage: The Class M-1 Percentage, Class M-2
Percentage and Class M-3 Percentage.
Class M-1 Percentage: With respect to any Distribution
Date, a fraction, expressed as a percentage, the numerator of
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which is the aggregate Certificate Principal Balance of the Class M-1
Certificates immediately prior to such date and the denominator of which is the
aggregate Stated Principal Balance of all of the Mortgage Loans (or related REO
Properties) (other than the related Discount Fraction of each Discount Mortgage
Loan) immediately prior to such Distribution Date.
Class M-2 Percentage: With respect to any Distribution Date, a
fraction, expressed as a percentage, the numerator of which is the aggregate
Certificate Principal Balance of the Class M-2 Certificates immediately prior to
such date and the denominator of which is the aggregate Stated Principal Balance
of all of the Mortgage Loans (or related REO Properties) (other than the related
Discount Fraction of each Discount Mortgage Loan) immediately prior to such
Distribution Date.
Class M-2 Prepayment Distribution Trigger: With respect to any
Distribution Date, a test that shall be satisfied if the fraction (expressed as
a percentage) equal to the sum of the Certificate Principal Balances of the
Class M-2 Certificates, Class M-3 Certificates, Class B-1 Certificates, Class
B-2 Certificates and Class B-3 Certificates immediately prior to such
Distribution Date divided by the aggregate Stated Principal Balance of all of
the Mortgage Loans (or related REO Properties) immediately prior to such
Distribution Date is greater than or equal to 2.50%.
Class M-3 Percentage: With respect to any Distribution Date, a
fraction, expressed as a percentage, the numerator of which is the aggregate
Certificate Principal Balance of the Class M-3 Certificates immediately prior to
such date and the denominator of which is the aggregate Stated Principal Balance
of all of the Mortgage Loans (or related REO Properties) (other than the related
Discount Fraction of each Discount Mortgage Loan) immediately prior to such
Distribution Date.
Class M-3 Prepayment Distribution Trigger: With respect to any
Distribution Date, a test that shall be satisfied if the fraction (expressed as
a percentage) equal to the sum of the Certificate Principal Balances of the
Class M-3 Certificates, Class B-1 Certificates, Class B-2 Certificates and Class
B-3 Certificates immediately prior to such Distribution Date divided by the
aggregate Stated Principal Balance of all of the Mortgage Loans (or related REO
Properties) immediately prior to such Distribution Date is greater than or equal
to 1.50%.
Class R Certificate: Any one of the Class R Certificates executed by
the Trustee and authenticated by the Certificate Registrar substantially in the
form annexed hereto as Exhibit D and evidencing an interest designated as a
"residual interest" in the REMIC for purposes of the REMIC Provisions.
Closing Date: June 30, 1997.
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Code: The Internal Revenue Code of 1986.
Compensating Interest: With respect to any Distribution Date, an amount
equal to Prepayment Interest Shortfalls resulting from Principal Prepayments in
Full during the related Prepayment Period, but not more than the lesser of (a)
one-twelfth of 0.125% of the Stated Principal Balance of the Mortgage Loans
immediately preceding such Distribution Date and (b) the sum of the Servicing
Fee, all income and gain on amounts held in the Custodial Account and the
Certificate Account and payable to the Certificateholders with respect to such
Distribution Date and servicing compensation to which the Master Servicer may be
entitled pursuant to Section 3.10(a)(v) and (vi); provided that for purposes of
this definition the amount of the Servicing Fee will not be reduced pursuant to
Section 7.02 except as may be required pursuant to the last sentence of such
Section.
Cooperative: A private, cooperative housing corporation organized under
the laws of, and headquartered in, the State of New York which owns or leases
land and all or part of a building or buildings located in the State of New
York, including apartments, spaces used for commercial purposes and common areas
therein and whose board of directors authorizes, among other things, the sale of
Cooperative Stock.
Cooperative Apartment: A dwelling unit in a multi-dwelling building
owned or leased by a Cooperative, which unit the Mortgagor has an exclusive
right to occupy pursuant to the terms of a proprietary lease or occupancy
agreement.
Cooperative Lease: With respect to a Cooperative Loan, the proprietary
lease or occupancy agreement with respect to the Cooperative Apartment occupied
by the Mortgagor and relating to the related Cooperative Stock, which lease or
agreement confers an exclusive right to the holder of such Cooperative Stock to
occupy such apartment.
Cooperative Loans: Any of the Mortgage Loans made in respect of a
Cooperative Apartment, evidenced by a Mortgage Note and secured by (i) a
Security Agreement, (ii) the related Cooperative Stock Certificate, (iii) an
assignment of the Cooperative Lease, (iv) financing statements and (v) a stock
power (or other similar instrument), and ancillary thereto, a recognition
agreement between the Cooperative and the originator of the Cooperative Loan,
each of which was transferred and assigned to the Trustee pursuant to Section
2.01 and are from time to time held as part of the Trust Fund.
Cooperative Stock: With respect to a Cooperative Loan, the
single outstanding class of stock, partnership interest or other
ownership instrument in the related Cooperative.
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Cooperative Stock Certificate: With respect to a
Cooperative Loan, the stock certificate or other instrument
evidencing the related Cooperative Stock.
Corporate Trust Office: The principal office of the Trustee
at which at any particular time its corporate trust business with
respect to this Agreement shall be administered, which office at
the date of the execution of this instrument is located at Four
Albany Street, New York, New York 10006, Attention: Residential
Funding Corporation Series 1997-QS6.
Credit Support Depletion Date: The first Distribution Date on which the
Certificate Principal Balances of the Class M Certificates and Class B
Certificates have been reduced to zero.
Curtailment: Any Principal Prepayment made by a Mortgagor
which is not a Principal Prepayment in Full.
Custodial Account: The custodial account or accounts created and
maintained pursuant to Section 3.07 in the name of a depository institution, as
custodian for the holders of the Certificates, for the holders of certain other
interests in mortgage loans serviced or sold by the Master Servicer and for the
Master Servicer, into which the amounts set forth in Section 3.07 shall be
deposited directly. Any such account or accounts shall be an Eligible Account.
Custodial Agreement: An agreement that may be entered into among the
Company, the Master Servicer, the Trustee and a Custodian in substantially the
form of Exhibit E hereto.
Custodian: A custodian appointed pursuant to a Custodial
Agreement.
Cut-off Date: June 1, 1997.
Cut-off Date Principal Balance: As to any Mortgage Loan, the unpaid
principal balance thereof at the Cut-off Date after giving effect to all
installments of principal due on or prior thereto, whether or not received.
Debt Service Reduction: With respect to any Mortgage Loan, a reduction
in the scheduled Monthly Payment for such Mortgage Loan by a court of competent
jurisdiction in a proceeding under the Bankruptcy Code, except such a reduction
constituting a Deficient Valuation or any reduction that results in a permanent
forgiveness of principal.
Defaulted Mortgage Loss: With respect to any Mortgage Loan, a Realized
Loss that is attributable to the Mortgagor's failure to make any payment of
principal or interest as required under the Mortgage Note, not including Special
Hazard Losses, Extraordinary Losses (or any other loss resulting from damage to
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the related Mortgaged Property (or, with respect to a Cooperative Loan, the
related Cooperative Apartment)), Bankruptcy Losses, Fraud Losses and any other
interest shortfalls not covered by the subordination described in Section 4.05,
including interest that is not collectible from the Mortgagor pursuant to the
Soldiers' and Sailors' Civil Relief Act of 1940 or similar legislation or
regulations as in effect from time to time.
Deficient Valuation: With respect to any Mortgage Loan, a valuation by
a court of competent jurisdiction of the Mortgaged Property in an amount less
than the then outstanding indebtedness under the Mortgage Loan, or any reduction
in the amount of principal to be paid in connection with any scheduled Monthly
Payment that constitutes a permanent forgiveness of principal, which valuation
or reduction results from a proceeding under the Bankruptcy Code.
Definitive Certificate: Any definitive, fully registered
Certificate.
Deleted Mortgage Loan: A Mortgage Loan replaced or to be
replaced with a Qualified Substitute Mortgage Loan.
Depository: The Depository Trust Company, or any successor Depository
hereafter named. The nominee of the initial Depository for purposes of
registering those Certificates that are to be Book-Entry Certificates is Cede &
Co. The Depository shall at all times be a "clearing corporation" as defined in
Section 8-102(3) of the Uniform Commercial Code of the State of New York and a
"clearing agency" registered pursuant to the provisions of Section 17A of the
Securities Exchange Act of 1934, as amended.
Depository Participant: A broker, dealer, bank or other financial
institution or other Person for whom from time to time a Depository effects
book-entry transfers and pledges of securities deposited with the Depository.
Destroyed Mortgage Note: A Mortgage Note the original of
which was permanently lost or destroyed and has not been
replaced.
Determination Date: With respect to any Distribution Date, the 20th day
(or if such 20th day is not a Business Day, the Business Day immediately
following such 20th day) of the month of the related Distribution Date.
Discount Fraction: With respect to each Discount Mortgage
Loan, the fraction expressed as a percentage, the numerator of
which is 7.50% minus the Net Mortgage Rate (or the initial Net
Mortgage Rate with respect to any Discount Mortgage Loans as to
which the Mortgage Rate is modified pursuant to 3.07(a)) for such
Mortgage Loan and the denominator of which is 7.50%. The
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Discount Fraction with respect to each Discount Mortgage Loan is set forth on
Exhibit P attached hereto.
Discount Mortgage Loan: Any Mortgage Loan having a Net Mortgage Rate
(or the initial Net Mortgage Rate) of less than 7.50% per annum and any Mortgage
Loan deemed to be a Discount Mortgage Loan pursuant to the definition of
Qualified Substitute Mortgage Loan.
Disqualified Organization: Any organization defined as a "disqualified
organization" under Section 860E(e)(5) of the Code, which includes any of the
following: (i) the United States, any State or political subdivision thereof,
any possession of the United States, or any agency or instrumentality of any of
the foregoing (other than an instrumentality which is a corporation if all of
its activities are subject to tax and, except for the FHLMC, a majority of its
board of directors is not selected by such governmental unit), (ii) a foreign
government, any international organization, or any agency or instrumentality of
any of the foregoing, (iii) any organization (other than certain farmers'
cooperatives described in Section 521 of the Code) which is exempt from the tax
imposed by Chapter 1 of the Code (including the tax imposed by Section 511 of
the Code on unrelated business taxable income), (iv) rural electric and
telephone cooperatives described in Section 1381(a)(2)(C) of the Code and (v)
any other Person so designated by the Trustee based upon an Opinion of Counsel
that the holding of an Ownership Interest in a Class R Certificate by such
Person may cause the Trust Fund or any Person having an Ownership Interest in
any Class of Certificates (other than such Person) to incur a liability for any
federal tax imposed under the Code that would not otherwise be imposed but for
the Transfer of an Ownership Interest in a Class R Certificate to such Person.
The terms "United States", "State" and "international organization" shall have
the meanings set forth in Section 7701 of the Code or successor provisions.
Distribution Date: The 25th day of any month beginning in the month
immediately following the month of the initial issuance of the Certificates or,
if such 25th day is not a Business Day, the Business Day immediately following
such 25th day.
Due Date: With respect to any Distribution Date, the first
day of the month in which such Distribution Date occurs.
Due Period: With respect to any Distribution Date, the period
commencing on the second day of the month preceding the month of such
Distribution Date and ending on the related Due Date.
Eligible Account: An account that is any of the following:
(i) maintained with a depository institution the debt obligations
of which have been rated by each Rating Agency in its highest
NY1-214425.3
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rating available, or (ii) an account or accounts in a depository institution in
which such accounts are fully insured to the limits established by the FDIC,
provided that any deposits not so insured shall, to the extent acceptable to
each Rating Agency, as evidenced in writing, be maintained such that (as
evidenced by an Opinion of Counsel delivered to the Trustee and each Rating
Agency) the registered Holders of Certificates have a claim with respect to the
funds in such account or a perfected first security interest against any
collateral (which shall be limited to Permitted Investments) securing such funds
that is superior to claims of any other depositors or creditors of the
depository institution with which such account is maintained, or (iii) in the
case of the Custodial Account, either (A) a trust account or accounts maintained
in the corporate trust department of The First National Bank of Chicago or (B)
an account or accounts maintained in the corporate asset services department of
The First National Bank of Chicago, as long as its short term debt obligations
are rated P-1 (or the equivalent) or better by each Rating Agency and its long
term debt obligations are rated A2 (or the equivalent) or better, by each Rating
Agency, or (iv) in the case of the Certificate Account, a trust account or
accounts maintained in the corporate trust division of Bankers Trust Company, or
(v) an account or accounts of a depository institution acceptable to each Rating
Agency (as evidenced in writing by each Rating Agency that use of any such
account as the Custodial Account or the Certificate Account will not reduce the
rating assigned to any Class of Certificates by such Rating Agency below the
lower of the then-current rating or the rating assigned to such Certificates as
of the Closing Date by such Rating Agency).
Eligible Funds: On any Distribution Date, the portion, if any, of the
Available Distribution Amount remaining after reduction by the sum of (i) the
aggregate amount of Accrued Certificate Interest on the Class A Certificates and
Class R Certificates, (ii) the Senior Principal Distribution Amount (determined
without regard to Section 4.02(a)(ii)(Y)(D) hereof), (iii) the Class A-6
Principal Distribution Amount (determined without regard to Section
4.02(b)(i)(E) hereof) and (iv) the aggregate amount of Accrued Certificate
Interest on the Class M, Class B-1 and Class B-2 Certificates.
Event of Default: As defined in Section 7.01.
Excess Bankruptcy Loss: Any Bankruptcy Loss, or portion
thereof, which exceeds the then applicable Bankruptcy Amount.
Excess Fraud Loss: Any Fraud Loss, or portion thereof,
which exceeds the then applicable Fraud Loss Amount.
Excess Special Hazard Loss: Any Special Hazard Loss, or
portion thereof, that exceeds the then applicable Special Hazard
Amount.
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Excess Subordinate Principal Amount: With respect to any Distribution
Date on which the Certificate Principal Balance of the most subordinate class or
classes of Certificates (as established in Section 4.05 hereof) then outstanding
is to be reduced to zero and on which Realized Losses are to be allocated to
such class or classes, the excess, if any, of (i) the amount that would
otherwise be distributable in respect of principal on such class or classes of
Certificates on such Distribution Date over (ii) the excess, if any, of the
Certificate Principal Balance of such class or classes of Certificates
immediately prior to such Distribution Date over the aggregate amount of
Realized Losses to be allocated to such classes of Certificates on such
Distribution Date as reduced by any amount calculated pursuant to Section
4.02(b)(i)(E).
Extraordinary Events: Any of the following conditions with
respect to a Mortgaged Property (or, with respect to a
Cooperative Loan, the Cooperative Apartment) or Mortgage Loan
causing or resulting in a loss which causes the liquidation of
such Mortgage Loan:
(a) losses that are of the type that would be covered by the
fidelity bond and the errors and omissions insurance policy required to
be maintained pursuant to Section 3.12(b) but are in excess of the
coverage maintained thereunder;
(b) nuclear reaction or nuclear radiation or radioactive
contamination, all whether controlled or uncontrolled, and whether such
loss be direct or indirect, proximate or remote or be in whole or in
part caused by, contributed to or aggravated by a peril covered by the
definition of the term "Special Hazard Loss";
(c) hostile or warlike action in time of peace or war,
including action in hindering, combatting or defending against an
actual, impending or expected attack:
1. by any government or sovereign power, de
jure or de facto, or by any authority maintaining or
using military, naval or air forces; or
2. by military, naval or air forces; or
3. by an agent of any such government, power,
authority or forces;
(d) any weapon of war employing atomic fission or
radioactive force whether in time of peace or war; or
(e) insurrection, rebellion, revolution, civil war, usurped
power or action taken by governmental authority in hindering,
combatting or defending against such an occurrence, seizure or
destruction under quarantine or
NY1-214425.3
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<PAGE>
customs regulations, confiscation by order of any government or public
authority; or risks of contraband or illegal transportation or trade.
Extraordinary Losses: Any loss incurred on a Mortgage Loan
caused by or resulting from an Extraordinary Event.
FASIT: A "financial asset securitization investment trust"
within the meaning of Section 860L of the Code.
FDIC: Federal Deposit Insurance Corporation or any
successor thereto.
FHLMC: Federal Home Loan Mortgage Corporation, a corporate
instrumentality of the United States created and existing under Title III of the
Emergency Home Finance Act of 1970, as amended, or any successor thereto.
Final Distribution Date: The Distribution Date on which the final
distribution in respect of the Certificates will be made pursuant to Section
9.01, which Final Distribution Date shall in no event be later than the end of
the 90-day liquidation period described in Section 9.03.
Fitch: Fitch Investors Service, L.P. or its successor in
interest.
FNMA: Federal National Mortgage Association, a federally
chartered and privately owned corporation organized and existing
under the Federal National Mortgage Association Charter Act, or
any successor thereto.
Foreclosure Profits: As to any Distribution Date or related
Determination Date and any Mortgage Loan, the excess, if any, of Liquidation
Proceeds, Insurance Proceeds and REO Proceeds (net of all amounts reimbursable
therefrom pursuant to Section 3.10(a)(ii)) in respect of each Mortgage Loan or
REO Property for which a Cash Liquidation or REO Disposition occurred in the
related Prepayment Period over the sum of the unpaid principal balance of such
Mortgage Loan or REO Property (determined, in the case of an REO Disposition, in
accordance with Section 3.14) plus accrued and unpaid interest at the Mortgage
Rate on such unpaid principal balance from the Due Date to which interest was
last paid by the Mortgagor to the first day of the month following the month in
which such Cash Liquidation or REO Disposition occurred.
Fraud Loss Amount: As of any date of determination after the Cut-off
Date, an amount equal to: (X) prior to the first anniversary of the Cut-off Date
an amount equal to 2.00% of the aggregate outstanding principal balance of all
of the Mortgage Loans as of the Cut-off Date minus the aggregate amount of Fraud
Losses allocated solely to one or more specific Classes of Certificates in
accordance with Section 4.05 since the Cut-off
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Date up to such date of determination and (Y) from the first to the fifth
anniversary of the Cut-off Date, an amount equal to (1) the lesser of (a) the
Fraud Loss Amount as of the most recent anniversary of the Cut-off Date and (b)
1.00% of the aggregate outstanding principal balance of all of the Mortgage
Loans as of the most recent anniversary of the Cut-off Date minus (2) the Fraud
Losses allocated solely to one or more specific Classes of Certificates in
accordance with Section 4.05 since the most recent anniversary of the Cut-off
Date up to such date of determination. On and after the fifth anniversary of the
Cut-off Date the Fraud Loss Amount shall be zero.
The Fraud Loss Amount may be further reduced by the Master Servicer
(including accelerating the manner in which such coverage is reduced) provided
that prior to any such reduction, the Master Servicer shall (i) obtain written
confirmation from each Rating Agency that such reduction shall not reduce the
rating assigned to any Class of Certificates by such Rating Agency below the
lower of the then-current rating or the rating assigned to such Certificates as
of the Closing Date by such Rating Agency and (ii) provide a copy of such
written confirmation to the Trustee.
Fraud Losses: Losses on Mortgage Loans as to which there
was fraud in the origination of such Mortgage Loan.
Independent: When used with respect to any specified Person, means such
a Person who (i) is in fact independent of the Company, the Master Servicer and
the Trustee, or any Affiliate thereof, (ii) does not have any direct financial
interest or any material indirect financial interest in the Company, the Master
Servicer or the Trustee or in an Affiliate thereof, and (iii) is not connected
with the Company, the Master Servicer or the Trustee as an officer, employee,
promoter, underwriter, trustee, partner, director or person performing similar
functions.
Initial Certificate Principal Balance: With respect to each Class of
Certificates, the Certificate Principal Balance of such Class of Certificates as
of the Cut-off Date as set forth in the Preliminary Statement hereto.
Initial Class A-7 Notional Amount: With respect to any Class A-7
Certificate, the Cut-off Date Principal Balance of the Mortgage Loans
corresponding to the Uncertificated REMIC Regular Interests represented by such
Class A-7 Certificate.
Initial Monthly Payment Fund: As defined in Section
2.01(g).
Insurance Proceeds: Proceeds paid in respect of the
Mortgage Loans pursuant to any Primary Insurance Policy or any
other related insurance policy covering a Mortgage Loan, to the
extent such proceeds are payable to the mortgagee under the
NY1-214425.3
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Mortgage, any Subservicer, the Master Servicer or the Trustee and are not
applied to the restoration of the related Mortgaged Property (or, with respect
to a Cooperative Loan, the related Cooperative Apartment) or released to the
Mortgagor in accordance with the procedures that the Master Servicer would
follow in servicing mortgage loans held for its own account.
Insurer: Any named insurer under any Primary Insurance
Policy or any successor thereto or the named insurer in any
replacement policy.
Interest Accrual Period: With respect to any Certificate,
and any Distribution Date, the calendar month preceding the month
in which such Distribution Date occurs.
International Borrower: In connection with any Mortgage Loan, a
borrower who is (a) a United States citizen employed in a foreign country, (b) a
non-permanent resident alien employed in the United States or (c) a citizen of a
country other than the United States with income derived from sources outside
the United States.
Late Collections: With respect to any Mortgage Loan, all amounts
received during any Due Period, whether as late payments of Monthly Payments or
as Insurance Proceeds, Liquidation Proceeds or otherwise, which represent late
payments or collections of Monthly Payments due but delinquent for a previous
Due Period and not previously recovered.
Liquidation Proceeds: Amounts (other than Insurance Proceeds) received
by the Master Servicer in connection with the taking of an entire Mortgaged
Property by exercise of the power of eminent domain or condemnation or in
connection with the liquidation of a defaulted Mortgage Loan through trustee's
sale, foreclosure sale or otherwise, other than REO Proceeds.
Loan-to-Value Ratio: As of any date, the fraction, expressed as a
percentage, the numerator of which is the current principal balance of the
related Mortgage Loan at the date of determination and the denominator of which
is the Appraised Value of the related Mortgaged Property.
Maturity Date: The latest possible maturity date, solely for purposes
of Section 1.860G-1(a)(4)(iii) of the Treasury regulations, by which the
Certificate Principal Balance of each Class of Certificates (other than the
Class A-7 Certificates which have no Certificate Principal Balance) representing
a regular interest in the REMIC would be reduced to zero, which is June 25,
2012, the Distribution Date immediately following the latest scheduled maturity
date of any Mortgage Loan. The latest possible Maturity Date for each
Uncertificated REMIC Regular Interest is June 25, 2012, which is the
Distribution Date
NY1-214425.3
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<PAGE>
immediately following the latest scheduled maturity date of any
Mortgage Loan.
MLCC: Merrill Lynch Credit Corporation, or its successor in
interest.
Monthly Payment: With respect to any Mortgage Loan (including any REO
Property) and any Due Date, the payment of principal and interest due thereon in
accordance with the amortization schedule at the time applicable thereto (after
adjustment, if any, for Curtailments and for Deficient Valuations occurring
prior to such Due Date but before any adjustment to such amortization schedule
by reason of any bankruptcy, other than a Deficient Valuation, or similar
proceeding or any moratorium or similar waiver or grace period).
Moody's: Moody's Investors Service, Inc., or its successor
in interest.
Mortgage: With respect to each Mortgage Note related to a Mortgage Loan
which is not a Cooperative Loan, the mortgage, deed of trust or other comparable
instrument creating a first lien on an estate in fee simple or leasehold
interest in real property securing a Mortgage Note.
Mortgage 100SM Loan: A Mortgage Loan that has a Loan-to-Value Ratio at
origination in excess of 80.00% and that is secured by Additional Collateral and
does not have a Primary Mortgage Insurance Policy.
Mortgage File: The mortgage documents listed in Section 2.01 pertaining
to a particular Mortgage Loan and any additional documents required to be added
to the Mortgage File pursuant to this Agreement.
Mortgage Loan Schedule: The list of the Mortgage Loans attached hereto
as Exhibit F (as amended from time to time to reflect the addition of Qualified
Substitute Mortgage Loans), which list shall set forth at a minimum the
following information as to each Mortgage Loan:
(i) the Mortgage Loan identifying number ("RFC LOAN
#");
(ii) the street address of the Mortgaged Property (or,
with respect to a Cooperative Loan, the related
Cooperative Apartment) including state and zip code
("ADDRESS");
(iii) the maturity of the Mortgage Note ("MATURITY
DATE");
(iv) the Mortgage Rate ("ORIG RATE");
NY1-214425.3
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<PAGE>
(v) the Subservicer pass-through rate ("CURR NET");
(vi) the Net Mortgage Rate ("NET MTG RT");
(vii) the Pool Strip Rate ("STRIP");
(viii) the initial scheduled monthly payment of
principal, if any, and interest ("ORIGINAL P &
I");
(ix) the Cut-off Date Principal Balance ("PRINCIPAL
BAL");
(x) the Loan-to-Value Ratio at origination ("LTV");
(xi) the rate at which the Subservicing Fee accrues
("SUBSERV FEE") and at which the Servicing Fee
accrues ("MSTR SERV FEE");
(xii) a code "T," "BT" or "CT" under the column "LN
FEATURE," indicating that the Mortgage Loan is
secured by a second or vacation residence; and
(xiii) a code "N" under the column "OCCP CODE," indicating that the
Mortgage Loan is secured by a non-owner occupied residence.
Such schedule may consist of multiple reports that collectively set forth all of
the information required.
Mortgage Loans: Such of the mortgage loans transferred and assigned to
the Trustee pursuant to Section 2.01 as from time to time are held or deemed to
be held as a part of the Trust Fund, the Mortgage Loans originally so held being
identified in the initial Mortgage Loan Schedule, and Qualified Substitute
Mortgage Loans held or deemed held as part of the Trust Fund including, without
limitation, (i) with respect to each Cooperative Loan, the related Mortgage
Note, Security Agreement, Assignment of Proprietary Lease, Cooperative Stock
Certificate, Cooperative Lease and Mortgage File and all rights appertaining
thereto, and (ii) with respect to each Mortgage Loan other than a Cooperative
Loan, each related Mortgage Note, Mortgage and Mortgage File and all rights
appertaining thereto.
Mortgage Note: The originally executed note or other evidence of
indebtedness evidencing the indebtedness of a Mortgagor under a Mortgage Loan,
together with any modification thereto.
Mortgage Rate: As to any Mortgage Loan, the interest rate
borne by the related Mortgage Note, or any modification thereto.
NY1-214425.3
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<PAGE>
Mortgaged Property: The underlying real property securing a
Mortgage Loan or, with respect to a Cooperative Loan, the related
Cooperative Lease and Cooperative Stock.
Mortgagor: The obligor on a Mortgage Note.
Net Mortgage Rate: As to each Mortgage Loan, a per annum rate of
interest equal to the Adjusted Mortgage Rate less the per annum rate at which
the Servicing Fee is calculated.
Non-Discount Mortgage Loan: A Mortgage Loan that is not a
Discount Mortgage Loan.
Non-Primary Residence Loans: The Mortgage Loans designated
as secured by second or vacation residences, or by non-owner
occupied residences, on the Mortgage Loan Schedule.
Non-United States Person: Any Person other than a United
States Person.
Nonrecoverable Advance: Any Advance previously made or proposed to be
made by the Master Servicer in respect of a Mortgage Loan (other than a Deleted
Mortgage Loan) which, in the good faith judgment of the Master Servicer, will
not, or, in the case of a proposed Advance, would not, be ultimately recoverable
by the Master Servicer from related Late Collections, Insurance Proceeds,
Liquidation Proceeds, REO Proceeds or amounts reimbursable to the Master
Servicer pursuant to Section 4.02(a) hereof. The determination by the Master
Servicer that it has made a Nonrecoverable Advance or that any proposed Advance
would constitute a Nonrecoverable Advance, shall be evidenced by an Officers'
Certificate delivered to the Company and the Trustee.
Nonsubserviced Mortgage Loan: Any Mortgage Loan that, at
the time of reference thereto, is not subject to a Subservicing
Agreement.
Officers' Certificate: A certificate signed by the Chairman of the
Board, the President or a Vice President or Assistant Vice President, or a
Director or Managing Director, and by the Treasurer, the Secretary, or one of
the Assistant Treasurers or Assistant Secretaries of the Company or the Master
Servicer, as the case may be, and delivered to the Trustee, as required by this
Agreement.
Opinion of Counsel: A written opinion of counsel acceptable to the
Trustee and the Master Servicer, who may be counsel for the Company or the
Master Servicer, provided that any opinion of counsel (i) referred to in the
definition of "Disqualified Organization" or (ii) relating to the qualification
of the Trust Fund as a REMIC or compliance with the REMIC Provisions must,
unless otherwise specified, be an opinion of Independent counsel.
NY1-214425.3
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<PAGE>
Outstanding Mortgage Loan: As to any Due Date, a Mortgage Loan
(including an REO Property) which was not the subject of a Principal Prepayment
in Full, Cash Liquidation or REO Disposition and which was not purchased,
deleted or substituted for prior to such Due Date pursuant to Section 2.02,
2.03, 2.04 or 4.07.
Ownership Interest: As to any Certificate, any ownership or security
interest in such Certificate, including any interest in such Certificate as the
Holder thereof and any other interest therein, whether direct or indirect, legal
or beneficial, as owner or as pledgee.
Parent PowerSM Loan: A Mortgage Loan that has a Loan-to-Value Ratio at
origination in excess of 80.00%, that is supported by Additional Collateral and
does not have a Primary Mortgage Insurance Policy.
Pass-Through Rate: With respect to the Class A Certificates (other than
the Class A-6 Certificates and Class A-7 Certificates), Class M Certificates,
Class B Certificates and Class R Certificates and any Distribution Date, the per
annum rates set forth in the Preliminary Statement hereto. With respect to the
Class A-7 Certificates (other than any Subclass thereof) and any Distribution
Date, a rate equal to the weighted average, expressed as a percentage, of the
Pool Strip Rates of all Mortgage Loans as of the Due Date in the month next
preceding the month in which such Distribution Date occurs, weighted on the
basis of the respective Stated Principal Balances of such Mortgage Loans, which
Stated Principal Balances shall be the Stated Principal Balances of such
Mortgage Loans at the close of business on the immediately preceding
Distribution Date after giving effect to distributions thereon allocable to
principal to the Holders of the Certificates (or, with respect to the initial
Distribution Date, at the close of business on the Cut-off Date). With respect
to the Class A-7 Certificates and the initial Distribution Date, the
Pass-Through Rate is equal to 0.7414% per annum. With respect to any Subclass of
Class A-7 Certificates and any Distribution Date, a rate equal to the weighted
average, expressed as a percentage, of the Pool Strip Rates of all Mortgage
Loans corresponding to the Uncertificated REMIC Regular Interests represented by
such Subclass as of the Due Date in the month next preceding the month in which
such Distribution Date occurs, weighted on the basis of the respective Stated
Principal Balances of such Mortgage Loans, which Stated Principal Balances shall
be the Stated Principal Balances of such Mortgage Loans at the close of business
on the immediately preceding Distribution Date after giving effect to
distributions thereon allocable to principal to the Holders of the Certificates
(or with respect to the initial Distribution Date, at the close of business on
the Cut-off Date). The Class A-6 Certificates have no Pass-Through Rate and are
not entitled to Accrued Certificate Interest.
NY1-214425.3
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<PAGE>
Paying Agent: Bankers Trust Company or any successor Paying
Agent appointed by the Trustee.
Percentage Interest: With respect to any Certificate (other than a
Class R Certificate), the undivided percentage ownership interest in the related
Class evidenced by such Certificate, which percentage ownership interest shall
be equal to the Initial Certificate Principal Balance thereof or Initial Class
A-7 Notional Amount thereof (in the case of any Class A-7 Certificate) divided
by the aggregate Initial Certificate Principal Balance or the aggregate of the
Initial Class A-7 Notional Amounts, as applicable, of all the Certificates of
the same Class. With respect to a Class R Certificate, the interest in
distributions to be made with respect to such Class evidenced thereby, expressed
as a percentage, as stated on the face of each such Certificate.
Permitted Investments: One or more of the following:
(i) obligations of or guaranteed as to principal and
interest by the United States or any agency or instrumentality thereof
when such obligations are backed by the full faith and credit of the
United States;
(ii) repurchase agreements on obligations specified in
clause (i) maturing not more than one month from the date of
acquisition thereof, provided that the unsecured obligations of the
party agreeing to repurchase such obligations are at the time rated by
each Rating Agency in its highest short-term rating available;
(iii) federal funds, certificates of deposit, demand
deposits, time deposits and bankers' acceptances (which shall each have
an original maturity of not more than 90 days and, in the case of
bankers' acceptances, shall in no event have an original maturity of
more than 365 days or a remaining maturity of more than 30 days)
denominated in United States dollars of any U.S. depository institution
or trust company incorporated under the laws of the United States or
any state thereof or of any domestic branch of a foreign depository
institution or trust company; provided that the debt obligations of
such depository institution or trust company (or, if the only Rating
Agency is Standard & Poor's, in the case of the principal depository
institution in a depository institution holding company, debt
obligations of the depository institution holding company) at the date
of acquisition thereof have been rated by each Rating Agency in its
highest short-term rating available; and provided further that, if the
only Rating Agency is Standard & Poor's and if the depository or trust
company is a principal subsidiary of a bank holding company and the
debt obligations of such subsidiary are not separately rated, the
applicable rating shall be that of the bank
NY1-214425.3
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<PAGE>
holding company; and, provided further that, if the original maturity
of such short-term obligations of a domestic branch of a foreign
depository institution or trust company shall exceed 30 days, the
short-term rating of such institution shall be A-1+ in the case of
Standard & Poor's if Standard & Poor's is the Rating Agency;
(iv) commercial paper (having original maturities of not
more than 365 days) of any corporation incorporated under the laws of
the United States or any state thereof which on the date of acquisition
has been rated by each Rating Agency in its highest short-term rating
available; provided that such commercial paper shall have a remaining
maturity of not more than 30 days;
(v) a money market fund or a qualified investment
fund rated by each Rating Agency in its highest long-term
rating available; and
(vi) other obligations or securities that are acceptable to
each Rating Agency as a Permitted Investment hereunder and will not
reduce the rating assigned to any Class of Certificates by such Rating
Agency below the lower of the then-current rating or the rating
assigned to such Certificates as of the Closing Date by such Rating
Agency, as evidenced in writing;
provided, however, no instrument shall be a Permitted Investment if it
represents, either (1) the right to receive only interest payments with respect
to the underlying debt instrument or (2) the right to receive both principal and
interest payments derived from obligations underlying such instrument and the
principal and interest payments with respect to such instrument provide a yield
to maturity greater than 120% of the yield to maturity at par of such underlying
obligations. References herein to the highest rating available on unsecured
long-term debt shall mean AAA in the case of Standard & Poor's and Fitch and Aaa
in the case of Moody's, and references herein to the highest rating available on
unsecured commercial paper and short-term debt obligations shall mean A-1 in the
case of Standard & Poor's, P-1 in the case of Moody's and either A-1 by Standard
& Poor's, P-1 by Moody's or F-1 by Fitch in the case of Fitch.
Permitted Transferee: Any Transferee of a Class R
Certificate, other than a Disqualified Organization or Non-United
States Person.
Person: Any individual, corporation, limited liability company,
partnership, joint venture, association, joint-stock company, trust,
unincorporated organization or government or any agency or political subdivision
thereof.
NY1-214425.3
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<PAGE>
Pledged Asset Mortgage Servicing Agreement: The Pledged
Asset Mortgage Servicing Agreement, dated as of February 28, 1996
between MLCC and the Master Servicer.
Pool Stated Principal Balance: As to any date of determination, the
aggregate of the Stated Principal Balances of each Mortgage Loan that was an
Outstanding Mortgage Loan on the Due Date in the month preceding the month of
such date of determination.
Pool Strip Rate: With respect to each Mortgage Loan, a per annum rate
equal to the excess of (a) the Net Mortgage Rate of such Mortgage Loan over (b)
7.50% per annum (but not less than 0.00%).
Prepayment Assumption: The prepayment assumption to be used for
determining the accrual of original issue discount and premium and market
discount on such Certificates for federal income tax purposes, which assumes a
constant prepayment rate of 4.0% per annum of the then outstanding principal
balance of the Mortgage Loans in the first month of the life of such Mortgage
Loans and an additional 1.090909% per annum in each month thereafter until the
twelfth month, and beginning in the twelfth month and in each month thereafter
during the life of the Mortgage Loans, a constant prepayment rate of 16.0% per
annum.
Prepayment Distribution Percentage: With respect to any Distribution
Date and each Class of Class M Certificates and Class B Certificates, under the
applicable circumstances set forth below, the respective percentages set forth
below:
(i) For any Distribution Date prior to the Distribution Date in
July 2002 (unless the Certificate Principal Balances of the
Class A Certificates (other than the Class A-6 Certificates)
and Class R Certificates, have been reduced to zero), 0%.
(ii) For any Distribution Date on which any Class of Class M or
Class B Certificates are outstanding not discussed in clause
(i) above:
(a) in the case of the Class of Class M Certificates
then outstanding with the lowest numerical designation, or
in the event the Class M Certificates are no longer
outstanding, the Class of Class B Certificates then
outstanding with the lowest numerical designation and each
other Class of Class M Certificates and Class B Certificates
for which the related Prepayment Distribution Trigger has
been satisfied, a fraction, expressed as a percentage, the
numerator of which is the Certificate Principal Balance of
such Class immediately prior to such date and the
denominator of which is the sum of the
NY1-214425.3
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<PAGE>
Certificate Principal Balances immediately prior to such
date of (1) the Class of Class M Certificates then
outstanding with the lowest numerical designation, or in the
event the Class M Certificates are no longer outstanding,
the Class of Class B Certificates then outstanding with the
lowest numerical designation and (2) all other Classes of
Class M Certificates and Class B Certificates for which the
respective Prepayment Distribution Triggers have been
satisfied; and
(b) in the case of each other Class of Class M
Certificates and Class B Certificates for which the
Prepayment Distribution Triggers have not been satisfied,
0%; and
(iii) Notwithstanding the foregoing, if the application of
the foregoing percentages on any Distribution Date as
provided in Section 4.02 (determined without regard
to the proviso to the definition of "Subordinate
Principal Distribution Amount") would result in a
distribution in respect of principal of any Class or
Classes of Class M Certificates and Class B
Certificates in an amount greater than the remaining
Certificate Principal Balance thereof (any such
class, a "Maturing Class"), then: (a) the Prepayment
Distribution Percentage of each Maturing Class shall
be reduced to a level that, when applied as described
above, would exactly reduce the Certificate Principal
Balance of such Class to zero; (b) the Prepayment
Distribution Percentage of each other Class of Class
M Certificates and Class B Certificates (any such
Class, a "Non-Maturing Class") shall be recalculated
in accordance with the provisions in paragraph (ii)
above, as if the Certificate Principal Balance of
each Maturing Class had been reduced to zero (such
percentage as recalculated, the "Recalculated
Percentage"); (c) the total amount of the reductions
in the Prepayment Distribution Percentages of the
Maturing Class or Classes pursuant to clause (a) of
this sentence, expressed as an aggregate percentage,
shall be allocated among the Non-Maturing Classes in
proportion to their respective Recalculated
Percentages (the portion of such aggregate reduction
so allocated to any Non-Maturing Class, the
"Adjustment Percentage"); and (d) for purposes of
such Distribution Date, the Prepayment Distribution
Percentage of each Non-Maturing Class shall be equal
to the sum of (1) the Prepayment Distribution
Percentage thereof, calculated in accordance with the
provisions in paragraph (ii) above as if the
Certificate Principal Balance of each Maturing Class
NY1-214425.3
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<PAGE>
had not been reduced to zero, plus (2) the related
Adjustment Percentage.
Prepayment Distribution Trigger: The Class M-2 Prepayment
Distribution Trigger, Class M-3 Prepayment Distribution Trigger,
Class B-1 Prepayment Distribution Trigger, Class B-2 Prepayment
Distribution Trigger or Class B-3 Prepayment Distribution
Trigger.
Prepayment Interest Shortfall: As to any Distribution Date and any
Mortgage Loan (other than a Mortgage Loan relating to an REO Property) that was
the subject of (a) a Principal Prepayment in Full during the related Prepayment
Period, an amount equal to the excess of one month's interest at the Net
Mortgage Rate on the Stated Principal Balance of such Mortgage Loan over the
amount of interest (adjusted to the Net Mortgage Rate) paid by the Mortgagor for
such Prepayment Period to the date of such Principal Prepayment in Full or (b) a
Curtailment during the prior calendar month, an amount equal to one month's
interest at the Net Mortgage Rate on the amount of such Curtailment.
Prepayment Lockout Percentage: For any Distribution Date occurring
prior to the Distribution Date in July 2002, 0%; for any Distribution Date
occurring after June 2002 but prior to July 2003, 30%; for any Distribution Date
occurring after June 2003 but prior to July 2004, 40%; for any Distribution Date
occurring after June 2004 but prior to July 2005, 60%; for any Distribution Date
occurring after June 2005 but prior to July 2006, 80%; for any Distribution Date
after June 2006, 100%.
Prepayment Period: As to any Distribution Date, the
calendar month preceding the month of distribution.
Primary Insurance Policy: Each primary policy of mortgage
guaranty insurance or any replacement policy therefor referred to
in Section 2.03(b)(iv) and (v).
Principal Prepayment: Any payment of principal or other recovery on a
Mortgage Loan, including a recovery that takes the form of Liquidation Proceeds
or Insurance Proceeds, which is received in advance of its scheduled Due Date
and is not accompanied by an amount as to interest representing scheduled
interest on such payment due on any date or dates in any month or months
subsequent to the month of prepayment.
Principal Prepayment in Full: Any Principal Prepayment made
by a Mortgagor of the entire principal balance of a Mortgage
Loan.
Program Guide: Collectively, the Seller Guide and the
Servicer Guide for Residential Funding's Expanded Criteria
Mortgage Program.
NY1-214425.3
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Purchase Price: With respect to any Mortgage Loan (or REO Property)
required to be or otherwise purchased on any date pursuant to Section 2.02,
2.03, 2.04 or 4.07, an amount equal to the sum of (i) 100% of the Stated
Principal Balance thereof plus the principal portion of any related unreimbursed
Advances and (ii) unpaid accrued interest at the Adjusted Mortgage Rate (or at
the Net Mortgage Rate in the case of a purchase made by the Master Servicer) on
the Stated Principal Balance thereof to the first day of the month following the
month of purchase from the Due Date to which interest was last paid by the
Mortgagor.
Qualified Substitute Mortgage Loan: A Mortgage Loan substituted by
Residential Funding or the Company for a Deleted Mortgage Loan which must, on
the date of such substitution, as confirmed in an Officers' Certificate
delivered to the Trustee, (i) have an outstanding principal balance, after
deduction of the principal portion of the monthly payment due in the month of
substitution (or in the case of a substitution of more than one Mortgage Loan
for a Deleted Mortgage Loan, an aggregate outstanding principal balance, after
such deduction), not in excess of the Stated Principal Balance of the Deleted
Mortgage Loan (the amount of any shortfall to be deposited by Residential
Funding in the Custodial Account in the month of substitution); (ii) have a
Mortgage Rate and a Net Mortgage Rate no lower than and not more than 1% per
annum higher than the Mortgage Rate and Net Mortgage Rate, respectively, of the
Deleted Mortgage Loan as of the date of substitution; (iii) have a Loan-to-Value
Ratio at the time of substitution no higher than that of the Deleted Mortgage
Loan at the time of substitution; (iv) have a remaining term to stated maturity
not greater than (and not more than one year less than) that of the Deleted
Mortgage Loan; (v) comply with each representation and warranty set forth in
Sections 2.03 and 2.04 hereof and Section 4 of the Assignment Agreement; and
(vi) have a Pool Strip Rate equal to or greater than that of the Deleted
Mortgage Loan. Notwithstanding any other provisions herein, (x) with respect to
any Qualified Substitute Mortgage Loan substituted for a Deleted Mortgage Loan
which was a Discount Mortgage Loan, such Qualified Substitute Mortgage Loan
shall be deemed to be a Discount Mortgage Loan and to have a Discount Fraction
equal to the Discount Fraction of the Deleted Mortgage Loan and (y) in the event
that the "Pool Strip Rate" of any Qualified Substitute Mortgage Loan as
calculated pursuant to the definition of "Pool Strip Rate" is greater than the
Pool Strip Rate of the related Deleted Mortgage Loan (i) the Pool Strip Rate of
such Qualified Substitute Mortgage Loan shall be equal to the Pool Strip Rate of
the related Deleted Mortgage Loan for purposes of calculating the Pass-Through
Rate on the Class A-7 Certificates and (ii) the excess of the Pool Strip Rate on
such Qualified Substitute Mortgage Loan as calculated pursuant to the definition
of "Pool Strip Rate" over the Pool Strip Rate on the related Deleted Mortgage
Loan shall be payable to the Class R Certificates pursuant to Section 4.02
hereof.
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Rating Agency: Fitch and Moody's with respect to the Class A
Certificates and Class R Certificates and Fitch with respect to the Class M-1,
Class M-2, Class M-3, Class B-1 and Class B-2 Certificates. If either agency or
a successor is no longer in existence, "Rating Agency" shall be such statistical
credit rating agency, or other comparable Person, designated by the Company,
notice of which designation shall be given to the Trustee and the Master
Servicer.
Realized Loss: With respect to each Mortgage Loan (or REO Property) as
to which a Cash Liquidation or REO Disposition has occurred, an amount (not less
than zero) equal to (i) the Stated Principal Balance of the Mortgage Loan (or
REO Property) as of the date of Cash Liquidation or REO Disposition, plus (ii)
interest (and REO Imputed Interest, if any) at the Net Mortgage Rate from the
Due Date as to which interest was last paid or advanced to Certificateholders up
to the last day of the month in which the Cash Liquidation (or REO Disposition)
occurred on the Stated Principal Balance of such Mortgage Loan (or REO Property)
outstanding during each Due Period that such interest was not paid or advanced,
minus (iii) the proceeds, if any, received during the month in which such Cash
Liquidation (or REO Disposition) occurred, to the extent applied as recoveries
of interest at the Net Mortgage Rate and to principal of the Mortgage Loan, net
of the portion thereof reimbursable to the Master Servicer or any Subservicer
with respect to related Advances or expenses as to which the Master Servicer or
Subservicer is entitled to reimbursement thereunder but which have not been
previously reimbursed. With respect to each Mortgage Loan which has become the
subject of a Deficient Valuation, the difference between the principal balance
of the Mortgage Loan outstanding immediately prior to such Deficient Valuation
and the principal balance of the Mortgage Loan as reduced by the Deficient
Valuation. With respect to each Mortgage Loan which has become the object of a
Debt Service Reduction, the amount of such Debt Service Reduction.
Notwithstanding the above, neither a Deficient Valuation nor a Debt Service
Reduction shall be deemed a Realized Loss hereunder so long as the Master
Servicer has notified the Trustee in writing that the Master Servicer is
diligently pursuing any remedies that may exist in connection with the
representations and warranties made regarding the related Mortgage Loan and
either (A) the related Mortgage Loan is not in default with regard to payments
due thereunder or (B) delinquent payments of principal and interest under the
related Mortgage Loan and any premiums on any applicable primary hazard
insurance policy and any related escrow payments in respect of such Mortgage
Loan are being advanced on a current basis by the Master Servicer or a
Subservicer, in either case without giving effect to any Debt Service Reduction.
Record Date: With respect to each Distribution Date, the
close of business on the last Business Day of the month next
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preceding the month in which the related Distribution Date
occurs.
Regular Certificate: Any of the Certificates other than a
Class R Certificate.
REMIC: A "real estate mortgage investment conduit" within
the meaning of Section 860D of the Code.
REMIC Administrator: Residential Funding Corporation. If Residential
Funding Corporation is found by a court of competent jurisdiction to no longer
be able to fulfill its obligations as REMIC Administrator under this Agreement
the Master Servicer or Trustee acting as Master Servicer shall appoint a
successor REMIC Administrator, subject to assumption of the REMIC Administrator
obligations under this Agreement.
REMIC Provisions: Provisions of the federal income tax law relating to
real estate mortgage investment conduits, which appear at Sections 860A through
860G of Subchapter M of Chapter 1 of the Code, and related provisions, and
temporary and final regulations (or, to the extent not inconsistent with such
temporary or final regulations, proposed regulations) and published rulings,
notices and announcements promulgated thereunder, as the foregoing may be in
effect from time to time.
REO Acquisition: The acquisition by the Master Servicer on behalf of
the Trustee for the benefit of the Certificateholders of any REO Property
pursuant to Section 3.14.
REO Disposition: As to any REO Property, a determination by the Master
Servicer that it has received all Insurance Proceeds, Liquidation Proceeds, REO
Proceeds and other payments and recoveries (including proceeds of a final sale)
which the Master Servicer expects to be finally recoverable from the sale or
other disposition of the REO Property.
REO Imputed Interest: As to any REO Property, for any period, an amount
equivalent to interest (at the Net Mortgage Rate that would have been applicable
to the related Mortgage Loan had it been outstanding) on the unpaid principal
balance of the Mortgage Loan as of the date of acquisition thereof for such
period.
REO Proceeds: Proceeds, net of expenses, received in respect of any REO
Property (including, without limitation, proceeds from the rental of the related
Mortgaged Property or, with respect to a Cooperative Loan, the related
Cooperative Apartment) which proceeds are required to be deposited into the
Custodial Account only upon the related REO Disposition.
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REO Property: A Mortgaged Property acquired by the Master Servicer
through foreclosure or deed in lieu of foreclosure in connection with a
defaulted Mortgage Loan.
Request for Release: A request for release, the forms of
which are attached as Exhibit H hereto.
Required Insurance Policy: With respect to any Mortgage Loan, any
insurance policy which is required to be maintained from time to time under this
Agreement, the Program Guide or the related Subservicing Agreement in respect of
such Mortgage Loan.
Required Surety Payment: With respect to any Additional Collateral
Mortgage Loan that becomes a Liquidated Mortgage Loan, the lesser of (i)
principal portion of the Realized Loss with respect to such Mortgage Loan and
(ii) the excess, if any, of (a) the amount of Additional Collateral required at
origination with respect to such Mortgage Loan over (b) the net proceeds
realized by MLCC from the related Additional Collateral.
Residential Funding: Residential Funding Corporation, a
Delaware corporation, in its capacity as seller of the Mortgage
Loans to the Company and any successor thereto.
Responsible Officer: When used with respect to the Trustee, any officer
of the Corporate Trust Department of the Trustee, including any Senior Vice
President, any Vice President, any Assistant Vice President, any Assistant
Secretary, any Trust Officer or Assistant Trust Officer, or any other officer of
the Trustee customarily performing functions similar to those performed by any
of the above designated officers to whom, with respect to a particular matter,
such matter is referred.
Schedule of Discount Fractions: The schedule setting forth the Discount
Fractions with respect to the Discount Mortgage Loans, attached hereto as
Exhibit P.
Security Agreement: With respect to a Cooperative Loan, the
agreement creating a security interest in favor of the originator
in the related Cooperative Stock.
Seller: As to any Mortgage Loan, a Person, including any
Subservicer, that executed a Seller's Agreement applicable to
such Mortgage Loan.
Senior Accelerated Distribution Percentage: With respect to
any Distribution Date, the percentage indicated below:
NY1-214425.3
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Senior Accelerated
Distribution Date Distribution Percentage
July 1997 through
June 2002............................................... 100%
July 2002 through
June 2003............................................... Senior Percentage,
plus 70% of the Subordinate Percentage
July 2003 through
June 2004............................................... Senior Percentage,
plus 60% of the Subordinate Percentage
July 2004 through
June 2005............................................... Senior Percentage,
plus 40% of the Subordinate Percentage
July 2005 through
June 2006............................................... Senior Percentage,
plus 20% of the Subordinate Percentage
July 2006 and
thereafter.............................................. Senior Percentage
provided, however, (i) that any scheduled reduction to the Senior Accelerated
Distribution Percentages described above shall not occur as of any Distribution
Date unless either (a)(1)(X) the outstanding principal balance of the Mortgage
Loans delinquent 60 days or more averaged over the last six months, as a
percentage of the aggregate outstanding Certificate Principal Balance of the
Class M and Class B Certificates, is less than 50% or (Y) the outstanding
principal balance of Mortgage Loans delinquent 60 days or more averaged over the
last six months, as a percentage of the aggregate outstanding principal balance
of all Mortgage Loans averaged over the last six months, does not exceed 2% and
(2) Realized Losses on the Mortgage Loans to date for such Distribution Date if
occurring during the sixth, seventh, eighth, ninth or tenth year (or any year
thereafter) after the Closing Date are less than 30%, 35%, 40%, 45% or 50%,
respectively, of the sum of the Initial Certificate Principal Balances of the
Class M Certificates and Class B Certificates or (b)(1) the outstanding
principal balance of Mortgage Loans delinquent 60 days or more averaged over the
last six months, as a percentage of the aggregate outstanding principal balance
of all Mortgage Loans averaged over the last six months, does not exceed 4% and
(2) Realized Losses on the Mortgage Loans to date for such Distribution Date are
less than 10% of the sum of the Initial Certificate Principal Balances of the
Class M Certificates and Class B Certificates and (ii) that for any Distribution
Date on which the Senior Percentage is greater than the Senior Percentage as of
the Closing Date, the Senior Accelerated Distribution Percentage for such
Distribution Date shall be 100%. Notwithstanding the foregoing, upon the
reduction of the Certificate Principal Balances of the Class A Certificates
(other
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than the Class A-6 Certificates) and Class R Certificates, to
zero, the Senior Accelerated Distribution Percentage shall
thereafter be 0%.
Seller's Agreement: An agreement for the origination and sale of
Mortgage Loans generally in the form of the Seller Contract referred to or
contained in the Program Guide, or in such other form as has been approved by
the Master Servicer and the Company, each containing representations and
warranties in respect of one or more Mortgage Loans.
Senior Percentage: As of any Distribution Date, the lesser of 100% and
a fraction, expressed as a percentage, the numerator of which is the aggregate
Certificate Principal Balance of the Class A Certificates (other than the Class
A-6 Certificates) and Class R Certificates immediately prior to such
Distribution Date and the denominator of which is the aggregate Stated Principal
Balance of all of the Mortgage Loans (or related REO Properties) (other than the
related Discount Fraction of each Discount Mortgage Loan) immediately prior to
such Distribution Date.
Senior Principal Distribution Amount: As to any Distribution Date, the
lesser of (a) the balance of the Available Distribution Amount remaining after
the distribution of all amounts required to be distributed pursuant to Section
4.02(a)(i) and Section 4.02(a)(ii)(X) and (b) the sum of the amounts required to
be distributed to the Class A Certificateholders and Class R Certificateholders
on such Distribution Date pursuant to Section 4.02(a)(ii)(Y), (xvi) and (xvii).
Servicing Accounts: The account or accounts created and
maintained pursuant to Section 3.08.
Servicing Advances: All customary, reasonable and necessary "out of
pocket" costs and expenses incurred in connection with a default, delinquency or
other unanticipated event by the Master Servicer in the performance of its
servicing obligations, including, but not limited to, the cost of (i) the
preservation, restoration and protection of a Mortgaged Property or, with
respect to a Cooperative Loan, the related Cooperative Apartment, (ii) any
enforcement or judicial proceedings, including foreclosures, (iii) the
management and liquidation of any REO Property and (iv) compliance with the
obligations under Sections 3.01, 3.08, 3.12(a) and 3.14, including, if the
Master Servicer or any Affiliate of the Master Servicer provides services such
as appraisals and brokerage services that are customarily provided by Persons
other than servicers of mortgage loans, reasonable compensation for such
services.
Servicing Fee: With respect to any Mortgage Loan and
Distribution Date, the fee payable monthly to the Master Servicer
in respect of master servicing compensation that accrues at an
annual rate designated on the Mortgage Loan Schedule as the "MSTR
NY1-214425.3
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<PAGE>
SERV FEE" for such Mortgage Loan, as may be adjusted with respect to successor
Master Servicers as provided in Section 7.02.
Servicing Officer: Any officer of the Master Servicer involved in, or
responsible for, the administration and servicing of the Mortgage Loans whose
name and specimen signature appear on a list of servicing officers furnished to
the Trustee by the Master Servicer, as such list may from time to time be
amended.
Special Hazard Amount: As of any Distribution Date, an amount equal to
$1,894,825 minus the sum of (i) the aggregate amount of Special Hazard Losses
allocated solely to one or more specific Classes of Certificates in accordance
with Section 4.05 and (ii) the Adjustment Amount (as defined below) as most
recently calculated. For each anniversary of the Cut-off Date, the Adjustment
Amount shall be equal to the amount, if any, by which the amount calculated in
accordance with the preceding sentence (without giving effect to the deduction
of the Adjustment Amount for such anniversary) exceeds the greater of (A) the
greater of (i) the product of the Special Hazard Percentage for such anniversary
multiplied by the outstanding principal balance of all the Mortgage Loans on the
Distribution Date immediately preceding such anniversary and (ii) twice the
outstanding principal balance of the Mortgage Loan in the Trust Fund which has
the largest outstanding principal balance on the Distribution Date immediately
preceding such anniversary and (B) the greater of (i) the product of 0.50%
multiplied by the outstanding principal balance of all Mortgage Loans on the
Distribution Date immediately preceding such anniversary multiplied by a
fraction, the numerator of which is equal to the aggregate outstanding principal
balance (as of the immediately preceding Distribution Date) of all of the
Mortgage Loans secured by Mortgaged Properties located in the State of
California divided by the aggregate outstanding principal balance (as of the
immediately preceding Distribution Date) of all of the Mortgage Loans, expressed
as a percentage, and the denominator of which is equal to 11.46% (which
percentage is equal to the percentage of Mortgage Loans initially secured by
Mortgaged Properties located in the State of California) and (ii) the aggregate
outstanding principal balance (as of the immediately preceding Distribution
Date) of the largest Mortgage Loan secured by a Mortgaged Property (or, with
respect to a Cooperative Loan, the related Cooperative Apartment) located in the
State of California.
The Special Hazard Amount may be further reduced by the Master Servicer
(including accelerating the manner in which coverage is reduced) provided that
prior to any such reduction, the Master Servicer shall (i) obtain written
confirmation from each Rating Agency that such reduction shall not reduce the
rating assigned to any Class of Certificates by such Rating Agency below the
lower of the then-current rating or the rating assigned to such Certificates as
of the Closing Date by such
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<PAGE>
Rating Agency and (ii) provide a copy of such written confirmation to the
Trustee.
Special Hazard Loss: Any Realized Loss not in excess of the cost of the
lesser of repair or replacement of a Mortgaged Property (or, with respect to a
Cooperative Loan, the related Cooperative Apartment) suffered by such Mortgaged
Property (or Cooperative Apartment) on account of direct physical loss,
exclusive of (i) any loss of a type covered by a hazard policy or a flood
insurance policy required to be maintained in respect of such Mortgaged Property
pursuant to Section 3.12(a), except to the extent of the portion of such loss
not covered as a result of any coinsurance provision and (ii) any Extraordinary
Loss.
Special Hazard Percentage: As of each anniversary of the Cut-off Date,
the greater of (i) 1.00% of the outstanding principal balance of all Mortgage
Loans on the Distribution Date immediately preceeding such anniversary, (ii)
twice the outstanding principal balance of the Mortgage Loan in the Trust Fund
which has the largest outstanding principal balance on the Distribution Date
immediately preceding such anniversary and (iii) the largest percentage obtained
by dividing the aggregate outstanding principal balance (as of the immediately
preceding Distribution Date) of the Mortgage Loans secured by Mortgaged
Properties located in a single, five-digit zip code area in the State of
California by the outstanding principal balance of all of the Mortgage Loans as
of the immediately preceding Distribution Date.
Standard & Poor's: Standard & Poor's Ratings Services, a
division of the McGraw-Hill Companies, or its successor in
interest.
Stated Principal Balance: With respect to any Mortgage Loan or related
REO Property, at any given time, (i) the Cut-off Date Principal Balance of the
Mortgage Loan, minus (ii) the sum of (a) the principal portion of the Monthly
Payments due with respect to such Mortgage Loan or REO Property during each Due
Period ending prior to the most recent Distribution Date which were received or
with respect to which an Advance was made, and (b) all Principal Prepayments
with respect to such Mortgage Loan or REO Property, and all Insurance Proceeds,
Liquidation Proceeds and REO Proceeds, to the extent applied by the Master
Servicer as recoveries of principal in accordance with Section 3.14 with respect
to such Mortgage Loan or REO Property, in each case which were distributed
pursuant to Section 4.02 on any previous Distribution Date, and (c) any Realized
Loss allocated to Certificateholders with respect thereto for any previous
Distribution Date.
Subclass: With respect to the Class A-7 Certificates, any
Subclass thereof issued pursuant to Section 5.01(c). Any such
Subclass will represent the Uncertificated REMIC Regular Interest
NY1-214425.3
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<PAGE>
or Interests specified by the initial Holder of the Class A-7 Certificates
pursuant to Section 5.01(c).
Subclass Notional Amount: As of any Distribution Date, with respect to
any Subclass of Class A-7 Certificates issued pursuant to Section 5.01(c), the
aggregate Stated Principal Balance of the Mortgage Loans corresponding to the
Uncertificated REMIC Regular Interests represented by such Subclass immediately
prior to such date.
Subordinate Percentage: As of any Distribution Date, 100%
minus the Senior Percentage as of such Distribution Date.
Subordinate Principal Distribution Amount: With respect to any
Distribution Date and each Class of Class M Certificates and Class B
Certificates, (a) the sum of (i) the product of (x) the related Class M
Percentage or Class B Percentage for such Class and (y) the aggregate of the
amounts calculated for such Distribution Date under clauses (1), (2) and (3) of
Section 4.02(a)(ii)(Y)(A); (ii) such Class's pro rata share, based on the
Certificate Principal Balance of each Class of Class M Certificates and Class B
Certificates then outstanding, of the principal collections described in Section
4.02(a)(ii)(Y)(B)(b) to the extent such collections are not otherwise
distributed to the Class A Certificates and Class R Certificates; (iii) the
product of (x) the related Prepayment Distribution Percentage and (y) the
aggregate of all Principal Prepayments in Full and Curtailments received in the
related Prepayment Period (other than the related Discount Fraction of such
Principal Payments in Full and Curtailments with respect to a Discount Mortgage
Loan) to the extent not payable to the Class A Certificates and Class R
Certificates; (iv) if such Class is the most senior Class of Certificates then
outstanding (as established in Section 4.05 hereof), any Excess Subordinate
Principal Amount for such Distribution Date; and (v) any amounts described in
clauses (i), (ii) and (iii) as determined for any previous Distribution Date,
that remain undistributed to the extent that such amounts are not attributable
to Realized Losses which have been allocated to a subordinate Class of Class M
or Class B Certificates minus (b) any Excess Subordinate Principal Amount not
payable to such Class on such Distribution Date pursuant to the definition
thereof; provided, however, that such amount shall in no event exceed the
outstanding Certificate Principal Balance of such Class of Certificates
immediately prior to such date.
Subserviced Mortgage Loan: Any Mortgage Loan that, at the
time of reference thereto, is subject to a Subservicing
Agreement.
Subservicer: Any Person with whom the Master Servicer has
entered into a Subservicing Agreement and who generally satisfied
the requirements set forth in the Program Guide in respect of the
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<PAGE>
qualification of a Subservicer as of the date of its approval as
a Subservicer by the Master Servicer.
Subservicer Advance: Any delinquent installment of principal and
interest on a Mortgage Loan which is advanced by the related Subservicer (net of
its Subservicing Fee) pursuant to the Subservicing Agreement.
Subservicing Account: An account established by a
Subservicer in accordance with Section 3.08.
Subservicing Agreement: The written contract between the Master
Servicer and any Subservicer relating to servicing and administration of certain
Mortgage Loans as provided in Section 3.02, generally in the form of the
servicer contract referred to or contained in the Program Guide or in such other
form as has been approved by the Master Servicer and the Company. With respect
to Mortgage Loans subserviced by MLCC, the Subservicing Agreement shall also
include the Addendum and Assignment Agreement and the Pledged Asset Mortgage
Servicing Agreement.
Subservicing Fee: As to any Mortgage Loan, the fee payable monthly to
the related Subservicer (or, in the case of a Nonsubserviced Mortgage Loan, to
the Master Servicer) in respect of subservicing and other compensation that
accrues at an annual rate equal to the excess of the Mortgage Rate borne by the
related Mortgage Note over the rate per annum designated on the Mortgage Loan
Schedule as the "CURR NET" for such Mortgage Loan.
Surety: AMBAC Indemnity Corporation, or its successors in
interest.
Surety Bond: The Limited Purpose Surety Bond (Policy No. AB0039BE),
dated February 28, 1996, issued by AMBAC Indemnity Corporation for the benefit
of certain beneficiaries, including the Trustee for the benefit of the Holders
of the Certificates, but only to the extent that such Limited Purpose Surety
Bond covers any Additional Collateral Mortgage Loans.
Tax Returns: The federal income tax return on Internal Revenue Service
Form 1066, U.S. Real Estate Mortgage Investment Conduit Income Tax Return,
including Schedule Q thereto, Quarterly Notice to Residual Interest Holders of
REMIC Taxable Income or Net Loss Allocation, or any successor forms, to be filed
on behalf of the Trust Fund due to its classification as a REMIC under the REMIC
Provisions, together with any and all other information, reports or returns that
may be required to be furnished to the Certificateholders or filed with the
Internal Revenue Service or any other governmental taxing authority under any
applicable provisions of federal, state or local tax laws.
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Transfer: Any direct or indirect transfer, sale, pledge,
hypothecation or other form of assignment of any Ownership
Interest in a Certificate.
Transferee: Any Person who is acquiring by Transfer any
Ownership Interest in a Certificate.
Transferor: Any Person who is disposing by Transfer of any
Ownership Interest in a Certificate.
Trust Fund: The segregated pool of assets, with respect to
which a REMIC election is to be made, consisting of:
(i) the Mortgage Loans and the related Mortgage Files,
(ii) all payments on and collections in respect of the
Mortgage Loans due after the Cut-off Date as shall be
on deposit in the Custodial Account or in the
Certificate Account and identified as belonging to the
Trust Fund, including the proceeds from the
liquidation of Additional Collateral for any
Additional Collateral Loan, but not including amounts
on deposit in the Initial Monthly Payment Fund;
(iii) property which secured a Mortgage Loan and which has
been acquired for the benefit of the
Certificateholders by foreclosure or deed in lieu of
foreclosure,
(iv) the hazard insurance policies and Primary Insurance
Policies, if any, and the interest in the Surety Bond
transferred to the Trustee pursuant to Section 2.01,
and
(v) all proceeds of clauses (i) through (iv) above.
Uncertificated REMIC Regular Interests: The 1,283 uncertificated
partial undivided beneficial ownership interests in the Trust Fund, numbered
sequentially from 1 to 1,283, each relating to the particular Mortgage Loan
identified by such sequential number on the Mortgage Loan Schedule, each having
no principal balance, and each bearing interest at the respective Pool Strip
Rate on the Stated Principal Balance of the related Mortgage Loan.
Uniform Single Attestation Program for Mortgage Bankers: The Uniform
Single Attestation Program for Mortgage Bankers, as published by the Mortgage
Bankers Association of America and effective with respect to fiscal periods
ending on or after
December 15, 1995.
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<PAGE>
Uninsured Cause: Any cause of damage to property subject to a Mortgage
such that the complete restoration of such property is not fully reimbursable by
the hazard insurance policies.
United States Person: A citizen or resident of the United States, a
corporation, partnership or other entity created or organized in, or under the
laws of, the United States or any political subdivision thereof, or an estate
that is described in Section 7701(a)(30)(D) of the Code, or a trust that is
described in Section 7701(a)(30)(E) of the Code.
Voting Rights: The portion of the voting rights of all of the
Certificates which is allocated to any Certificate. 98.0% of all of the Voting
Rights shall be allocated among Holders of Certificates, other than the Class
A-7 Certificates and Class R Certificates, in proportion to the outstanding
Certificate Principal Balances of their respective Certificates; 1% of all
Voting Rights shall be allocated among the Holders of the Class A-7 Certificates
and the Holders of the Class R Certificates shall be entitled to 1% of all of
the Voting Rights, allocated among the Certificates of each such Class in
accordance with their respective Percentage Interests.
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ARTICLE II
CONVEYANCE OF MORTGAGE LOANS;
ORIGINAL ISSUANCE OF CERTIFICATES
Section 2.01. Conveyance of Mortgage Loans.
(a) The Company, concurrently with the execution and delivery hereof,
does hereby assign to the Trustee without recourse all the right, title and
interest of the Company in and to the Mortgage Loans, including all interest and
principal received on or with respect to the Mortgage Loans after the Cut-off
Date (other than payments of principal and interest due on the Mortgage Loans on
or before the Cut-off Date).
(b) In connection with such assignment, except as set forth in Section
2.01(c) below, the Company does hereby deliver to, and deposit with, the
Trustee, or to and with one or more Custodians, as the duly appointed agent or
agents of the Trustee for such purpose, the following documents or instruments
(or copies thereof as permitted by this Section) (I) with respect to each
Mortgage Loan so assigned (other than a Cooperative Loan):
(i) The original Mortgage Note, endorsed without recourse to
the order of the Trustee and showing an unbroken chain of endorsements
from the originator thereof to the Person endorsing it to the Trustee,
or with respect to any Destroyed Mortgage Note, an original lost note
affidavit from the related Seller or Residential Funding stating that
the original Mortgage Note was lost, misplaced or destroyed, together
with a copy of the related Mortgage Note;
(ii) The original Mortgage with evidence of recording
indicated thereon or a copy of the Mortgage certified by the public
recording office in which such Mortgage has been recorded;
(iii) An original Assignment of the Mortgage to the Trustee
with evidence of recording indicated thereon or a copy of such
assignment certified by the public recording office in which such
assignment has been recorded;
(iv) The original recorded assignment or assignments of the
Mortgage showing an unbroken chain of title from the originator thereof
to the Person assigning it to the Trustee or a copy of such assignment
or assignments of the Mortgage certified by the public recording office
in which such assignment or assignments have been recorded; and
(v) The original of each modification, assumption agreement
or preferred loan agreement, if any, relating to such Mortgage Loan or
a copy of each modification, assumption agreement or preferred loan
agreement certified
NY1-214425.3
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by the public recording office in which such document has
been recorded.
and (II) with respect to each Cooperative Loan so assigned:
(i) The original Mortgage Note, endorsed without recourse to
the order of the Trustee and showing an unbroken chain of endorsements
from the originator thereof to the Person endorsing it to the Trustee,
or with respect to any Destroyed Mortgage Note, an original lost note
affidavit from the related Seller or Residential Funding stating that
the original Mortgage Note was lost, misplaced or destroyed, together
with a copy of the related Mortgage Note;
(ii) A counterpart of the Cooperative Lease and the Assignment
of Proprietary Lease to the originator of the Cooperative Loan with
intervening assignments showing an unbroken chain of title from such
originator to the Trustee;
(iii) The related Cooperative Stock Certificate, representing
the related Cooperative Stock pledged with respect to such Cooperative
Loan, together with an undated stock power (or other similar
instrument) executed in blank;
(iv) The original recognition agreement by the
Cooperative of the interests of the mortgagee with respect
to the related Cooperative Loan;
(v) The Security Agreement;
(vi) Copies of the original UCC-1 financing statement, and any
continuation statements, filed by the originator of such Cooperative
Loan as secured party, each with evidence of recording thereof,
evidencing the interest of the originator under the Security Agreement
and the Assignment of Proprietary Lease;
(vii) Copies of the filed UCC-3 assignments of the security
interest referenced in clause (vi) above showing an unbroken chain of
title from the originator to the Trustee, each with evidence of
recording thereof, evidencing the interest of the originator under the
Security Agreement and the Assignment of Proprietary Lease;
(viii) An executed assignment of the interest of the
originator in the Security Agreement, Assignment of Proprietary Lease
and the recognition agreement referenced in clause (iv) above, showing
an unbroken chain of title from the originator to the Trustee;
(ix) The original of each modification, assumption agreement
or preferred loan agreement, if any, relating to such Cooperative Loan;
and
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(x) An executed UCC-1 financing statement showing the Master
Servicer as debtor, the Company as secured party and the Trustee as
assignee and an executed UCC-1 financing statement showing the Company
as debtor and the Trustee as secured party, each in a form sufficient
for filing, evidencing the interest of such debtors in the Cooperative
Loans.
(c) The Company may, in lieu of delivering the documents set forth in
Section 2.01(b)(I)(iv) and (v) and Section (b)(II)(ii), (iv), (vii), (ix) and
(x) to the Trustee or the Custodian or Custodians, deliver such documents to the
Master Servicer, and the Master Servicer shall hold such documents in trust for
the use and benefit of all present and future Certificateholders until such time
as is set forth below. Within ten Business Days following the earlier of (i) the
receipt of the original of each of the documents or instruments set forth in
Section 2.01(b)(I)(iv) and (v) and Section (b)(II)(ii), (iv), (vii), (ix) and
(x) (or copies thereof as permitted by such Section) for any Mortgage Loan and
(ii) a written request by the Trustee to deliver those documents with respect to
any or all of the Mortgage Loans then being held by the Master Servicer, the
Master Servicer shall deliver a complete set of such documents to the Trustee or
the Custodian or Custodians that are the duly appointed agent or agents of the
Trustee.
On the Closing Date, the Master Servicer shall certify that it has in
its possession an original or copy of each of the documents referred to in
Section 2.01(b)(I)(iv) and (v) and Section (b)(II)(ii), (iv), (vii), (ix) and
(x) which has been delivered to it by the Company. Every six months after the
Closing Date, for so long as the Master Servicer is holding documents pursuant
to this Section 2.01(c), the Master Servicer shall deliver to (i) Moody's if it
is one of the Rating Agencies, (ii) the Trustee and (iii) each Custodian a
report setting forth the status of the documents which it is holding pursuant to
this Section 2.01(c).
(d) In the event that in connection with any Mortgage Loan the Company
cannot deliver the Mortgage, any assignment, modification, assumption agreement
or preferred loan agreement (or copy thereof certified by the public recording
office) with evidence of recording thereon concurrently with the execution and
delivery of this Agreement solely because of a delay caused by the public
recording office where such Mortgage, assignment, modification, assumption
agreement or preferred loan agreement as the case may be, has been delivered for
recordation, the Company shall deliver or cause to be delivered to the Trustee
or the respective Custodian a true and correct photocopy of such Mortgage,
assignment, modification, assumption agreement or preferred loan agreement.
NY1-214425.3
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<PAGE>
The Company shall promptly cause to be recorded in the appropriate
public office for real property records the Assignment referred to in clause
(I)(iii) of Section 2.01(b), except in states where, in the opinion of counsel
acceptable to the Trustee and the Master Servicer, such recording is not
required to protect the Trustee's interests in the Mortgage Loan against the
claim of any subsequent transferee or any successor to or creditor of the
Company or the originator of such Mortgage Loan and shall promptly cause to be
filed the Form UCC-3 assignment and UCC-1 financing statement referred to in
clause (II)(vii) and (x), respectively, of Section 2.01(b). If any Assignment,
Form UCC-3 or Form UCC-1, as applicable, is lost or returned unrecorded to the
Company because of any defect therein, the Company shall prepare a substitute
Assignment, Form UCC-3 or Form UCC-1, as applicable, or cure such defect, as the
case may be, and cause such Assignment to be recorded in accordance with this
paragraph. The Company shall promptly deliver or cause to be delivered to the
Trustee or the respective Custodian such Mortgage or Assignment or Form UCC-3 or
Form UCC-1, as applicable, (or copy thereof certified by the public recording
office) with evidence of recording indicated thereon upon receipt thereof from
the public recording office or from the related Subservicer. In connection with
its servicing of Cooperative Loans, the Master Servicer will use its best
efforts to file timely continuation statements with regard to each financing
statement and assignment relating to Cooperative Loans as to which the related
Cooperative Apartment is located outside of the State of New York.
In the event that the Company delivers to the Trustee or Custodian any
Mortgage Note or Assignment of Mortgage in blank, the Company shall, or shall
cause the Custodian to, complete the endorsement of the Mortgage Note and the
Assignment of Mortgage in the name of the Trustee within 45 days after the
Closing Date, as contemplated by Section 2.02.
Any of the items set forth in Sections 2.01(b)(I)(iv) and (v) and
(II)(vi) and (vii) and that may be delivered as a copy rather than the original
may be delivered in microfiche form.
(e) Residential Funding hereby assigns to the Trustee its security
interest in and to any Additional Collateral, its right to receive payments in
respect of any Additional Collateral Loans pursuant the Addendum and Assignment
Agreement and the Pledged Asset Mortgage Servicing Agreement, and its rights as
beneficiary under the Surety Bond in respect of any Additional Collateral Loans.
With respect to any Additional Collateral Mortgage Loan, Residential Funding
shall cause to be filed in the appropriate recording office a UCC-3 statement
giving notice of the assignment of the related security interest to the Trust
Fund and shall thereafter cause the timely filing of all necessary continuation
statements with regard to such financing statements.
NY1-214425.3
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<PAGE>
(f) It is intended that the conveyance by the Company to the Trustee of
the Mortgage Loans as provided for in this Section 2.01 be construed as a sale
by the Company to the Trustee of the Mortgage Loans for the benefit of the
Certificateholders. Further, it is not intended that such conveyance be deemed
to be a pledge of the Mortgage Loans by the Company to the Trustee to secure a
debt or other obligation of the Company. However, in the event that the Mortgage
Loans are held to be property of the Company or of Residential Funding, or if
for any reason this Agreement is held or deemed to create a security interest in
the Mortgage Loans, then it is intended that (a) this Agreement shall also be
deemed to be a security agreement within the meaning of Articles 8 and 9 of the
New York Uniform Commercial Code and the Uniform Commercial Code of any other
applicable jurisdiction; (b) the conveyance provided for in Section 2.01 shall
be deemed to be (1) a grant by the Company to the Trustee of a security interest
in all of the Company's right (including the power to convey title thereto),
title and interest, whether now owned or hereafter acquired, in and to (A) the
Mortgage Loans, including (i) with respect to each Cooperative Loan, the related
Mortgage Note, Security Agreement, Assignment of Proprietary Lease, Cooperative
Stock Certificate, Cooperative Lease, any insurance policies and all other
documents in the related Mortgage File and (ii) with respect to each Mortgage
Loan other than a Cooperative Loan, the related Mortgage Note, the Mortgage, any
insurance policies and all other documents in the related Mortgage File, (B) all
amounts payable pursuant to the Mortgage Loans in accordance with the terms
thereof and (C) any and all general intangibles consisting of, arising from or
relating to any of the foregoing, and all proceeds of the conversion, voluntary
or involuntary, of the foregoing into cash, instruments, securities or other
property, including without limitation all amounts from time to time held or
invested in the Certificate Account or the Custodial Account, whether in the
form of cash, instruments, securities or other property and (2) an assignment by
the Company to the Trustee of any security interest in any and all of
Residential Funding's right (including the power to convey title thereto), title
and interest, whether now owned or hereafter acquired, in and to the property
described in the foregoing clauses (1)(A), (B) and (C) granted by Residential
Funding to the Company pursuant to the Assignment Agreement; (c) the possession
by the Trustee, the Custodian or any other agent of the Trustee of Mortgage
Notes or such other items of property as constitute instruments, money,
negotiable documents or chattel paper shall be deemed to be "possession by the
secured party," or possession by a purchaser or a person designated by such
secured party, for purposes of perfecting the security interest pursuant to the
Minnesota Uniform Commercial Code and the Uniform Commercial Code of any other
applicable jurisdiction (including, without limitation, Section 9-305, 8-313 or
8-321 thereof); and (d) notifications to persons holding such property, and
acknowledgments, receipts or confirmations from persons holding such property,
shall be deemed notifications to, or
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<PAGE>
acknowledgments, receipts or confirmations from, financial intermediaries,
bailees or agents (as applicable) of the Trustee for the purpose of perfecting
such security interest under applicable law.
The Company and, at the Company's direction, Residential Funding and
the Trustee shall, to the extent consistent with this Agreement, take such
reasonable actions as may be necessary to ensure that, if this Agreement were
deemed to create a security interest in the Mortgage Loans and the other
property described above, such security interest would be deemed to be a
perfected security interest of first priority under applicable law and will be
maintained as such throughout the term of this Agreement. Without limiting the
generality of the foregoing, the Company shall prepare and deliver to the
Trustee not less than 15 days prior to any filing date and, the Trustee shall
forward for filing, or shall cause to be forwarded for filing, at the expense of
the Company, all filings necessary to maintain the effectiveness of any original
filings necessary under the Uniform Commercial Code as in effect in any
jurisdiction to perfect the Trustee's security interest in or lien on the
Mortgage Loans, as evidenced by an Officer's Certificate of the Company,
including without limitation (x) continuation statements, and (y) such other
statements as may be occasioned by (1) any change of name of Residential
Funding, the Company or the Trustee (such preparation and filing shall be at the
expense of the Trustee, if occasioned by a change in the Trustee's name), (2)
any change of location of the place of business or the chief executive office of
Residential Funding or the Company or (3) any transfer of any interest of
Residential Funding or the Company in any Mortgage Loan.
(g) The Master Servicer hereby acknowledges the receipt by it of cash
in an amount equal to $510 (the "Initial Monthly Payment Fund"), representing
scheduled principal amortization and interest at the Net Mortgage Rate for the
Due Date in July 1997, for those Mortgage Loans for which the Trustee will not
be entitled to receive such payment. The Master Servicer shall hold such Initial
Monthly Payment Fund in the Custodial Account and shall include such Initial
Monthly Payment Fund in the Available Distribution Amount for the Distribution
Date in July 1997. Notwithstanding anything herein to the contrary, the Initial
Monthly Payment Fund shall not be an asset of the REMIC. To the extent that the
Initial Monthly Payment Fund constitutes a reserve fund for federal income tax
purposes, (1) it shall be an outside reserve fund and not an asset of the REMIC,
(2) it shall be owned by the Seller and (3) amounts transferred by the REMIC to
the Initial Monthly Payment Fund shall be treated as transferred to the Seller
or any successor, all within the meaning of Section 1.860G-2(h) of the Treasury
Regulations.
NY1-214425.3
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<PAGE>
Section 2.02. Acceptance by Trustee.
The Trustee acknowledges receipt (or, with respect to Mortgage Loans
subject to a Custodial Agreement, and based solely upon a receipt or
certification executed by the Custodian, receipt by the respective Custodian as
the duly appointed agent of the Trustee) of the documents referred to in Section
2.01(b)(i) through (iii) above (except that for purposes of such acknowledgement
only, a Mortgage Note may be endorsed in blank and an Assignment of Mortgage may
be in blank) and declares that it, or a Custodian as its agent, holds and will
hold such documents and the other documents constituting a part of the Mortgage
Files delivered to it, or a Custodian as its agent, and the rights of
Residential Funding with respect to any Additional Collateral and the Surety
Bond assigned to the Trustee pursuant to Section 2.01, in trust for the use and
benefit of all present and future Certificateholders. The Trustee or Custodian
(such Custodian being so obligated under a Custodial Agreement) agrees, for the
benefit of Certificateholders, to review each Mortgage File delivered to it
pursuant to Section 2.01(b) within 45 days after the Closing Date to ascertain
that all required documents (specifically as set forth in Section 2.01(b)), have
been executed and received, and that such documents relate to the Mortgage Loans
identified on the Mortgage Loan Schedule, as supplemented, that have been
conveyed to it. Upon delivery of the Mortgage Files by the Company or the Master
Servicer, the Trustee shall acknowledge receipt (or, with respect to Mortgage
Loans subject to a Custodial Agreement, and based solely upon a receipt or
certification executed by the Custodian, receipt by the respective Custodian as
the duly appointed agent of the Trustee) of the documents referred to in Section
2.01(c) above. The Trustee or Custodian (such Custodian being so obligated under
a Custodial Agreement) agrees to review each Mortgage File delivered to it
pursuant to Section 2.01(c) within 45 days after receipt thereof to ascertain
that all documents required to be delivered pursuant to such Section have been
received, and that such documents relate to the Mortgage Loans identified on the
Mortgage Loan Schedule, as supplemented, that have been conveyed to it.
If the Custodian, as the Trustee's agent, finds any document or
documents constituting a part of a Mortgage File to be missing or defective in
any material respect, the Trustee shall promptly so notify the Master Servicer
and the Company. Pursuant to Section 2.3 of the Custodial Agreement, the
Custodian will notify the Master Servicer, the Company and the Trustee of any
such omission or defect found by it in respect of any Mortgage File held by it.
The Master Servicer shall promptly notify the related Subservicer or Seller of
such omission or defect and request that such Subservicer or Seller correct or
cure such omission or defect within 60 days from the date the Master Servicer
was notified of such omission or defect and, if such Subservicer or Seller does
not correct or cure such omission or
NY1-214425.3
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<PAGE>
defect within such period, that such Subservicer or Seller purchase such
Mortgage Loan from the Trust Fund at its Purchase Price, in either case within
90 days from the date the Master Servicer was notified of such omission or
defect; provided that if the omission or defect would cause the Mortgage Loan to
be other than a "qualified mortgage" as defined in Section 860G(a)(3) of the
Code, any such cure or repurchase must occur within 90 days from the date such
breach was discovered. The Purchase Price for any such Mortgage Loan, whether
purchased by the Seller or the Subservicer, shall be deposited or caused to be
deposited by the Master Servicer in the Custodial Account maintained by it
pursuant to Section 3.07 and, upon receipt by the Trustee of written
notification of such deposit signed by a Servicing Officer, the Trustee or any
Custodian, as the case may be, shall release to the Master Servicer the related
Mortgage File and the Trustee shall execute and deliver such instruments of
transfer or assignment prepared by the Master Servicer, in each case without
recourse, as shall be necessary to vest in the Seller or its designee or the
Subservicer or its designee, as the case may be, any Mortgage Loan released
pursuant hereto and thereafter such Mortgage Loan shall not be part of the Trust
Fund. It is understood and agreed that the obligation of the Seller or the
Subservicer, as the case may be, to so cure or purchase any Mortgage Loan as to
which a material defect in or omission of a constituent document exists shall
constitute the sole remedy respecting such defect or omission available to
Certificateholders or the Trustee on behalf of the Certificateholders.
Section 2.03. Representations, Warranties and Covenants
of the Master Servicer and the Company.
(a) The Master Servicer hereby represents and warrants to
the Trustee for the benefit of the Certificateholders that:
(i) The Master Servicer is a corporation duly organized,
validly existing and in good standing under the laws governing its
creation and existence and is or will be in compliance with the laws of
each state in which any Mortgaged Property is located to the extent
necessary to ensure the enforceability of each Mortgage Loan in
accordance with the terms of this Agreement;
(ii) The execution and delivery of this Agreement by the
Master Servicer and its performance and compliance with the terms of
this Agreement will not violate the Master Servicer's Certificate of
Incorporation or Bylaws or constitute a material default (or an event
which, with notice or lapse of time, or both, would constitute a
material default) under, or result in the material breach of, any
material contract, agreement or other instrument to which the Master
Servicer is a party or which may be applicable to the Master Servicer
or any of its assets;
NY1-214425.3
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<PAGE>
(iii) This Agreement, assuming due authorization, execution
and delivery by the Trustee and the Company, constitutes a valid, legal
and binding obligation of the Master Servicer, enforceable against it
in accordance with the terms hereof subject to applicable bankruptcy,
insolvency, reorganization, moratorium and other laws affecting the
enforcement of creditors' rights generally and to general principles of
equity, regardless of whether such enforcement is considered in a
proceeding in equity or at law;
(iv) The Master Servicer is not in default with respect to any
order or decree of any court or any order, regulation or demand of any
federal, state, municipal or governmental agency, which default might
have consequences that would materially and adversely affect the
condition (financial or other) or operations of the Master Servicer or
its properties or might have consequences that would materially
adversely affect its performance hereunder;
(v) No litigation is pending or, to the best of the Master
Servicer's knowledge, threatened against the Master Servicer which
would prohibit its entering into this Agreement or performing its
obligations under this Agreement;
(vi) The Master Servicer will comply in all material respects
in the performance of this Agreement with all reasonable rules and
requirements of each insurer under each Required Insurance Policy;
(vii) No information, certificate of an officer, statement
furnished in writing or report delivered to the Company, any Affiliate
of the Company or the Trustee by the Master Servicer will, to the
knowledge of the Master Servicer, contain any untrue statement of a
material fact or omit a material fact necessary to make the
information, certificate, statement or report not misleading; and
(viii) The Master Servicer has examined each existing, and
will examine each new, Subservicing Agreement and is or will be
familiar with the terms thereof. The terms of each existing
Subservicing Agreement and each designated Subservicer are acceptable
to the Master Servicer and any new Subservicing Agreements will comply
with the provisions of Section 3.02.
It is understood and agreed that the representations and warranties set forth in
this Section 2.03(a) shall survive delivery of the respective Mortgage Files to
the Trustee or any Custodian.
NY1-214425.3
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<PAGE>
Upon discovery by either the Company, the Master Servicer, the Trustee
or any Custodian of a breach of any representation or warranty set forth in this
Section 2.03(a) which materially and adversely affects the interests of the
Certificateholders in any Mortgage Loan, the party discovering such breach shall
give prompt written notice to the other parties (any Custodian being so
obligated under a Custodial Agreement). Within 90 days of its discovery or its
receipt of notice of such breach, the Master Servicer shall either (i) cure such
breach in all material respects or (ii) to the extent that such breach is with
respect to a Mortgage Loan or a related document, purchase such Mortgage Loan
from the Trust Fund at the Purchase Price and in the manner set forth in Section
2.02; provided that if the omission or defect would cause the Mortgage Loan to
be other than a "qualified mortgage" as defined in Section 860G(a)(3) of the
Code, any such cure must occur within 90 days from the date such breach was
discovered. The obligation of the Master Servicer to cure such breach or to so
purchase such Mortgage Loan shall constitute the sole remedy in respect of a
breach of a representation and warranty set forth in this Section 2.03(a)
available to the Certificateholders or the Trustee on behalf of the
Certificateholders.
(b) The Company hereby represents and warrants to the Trustee for the
benefit of Certificateholders that as of the Closing Date (or, if otherwise
specified below, as of the date so specified):
(i) No Mortgage Loan is one month or more delinquent in
payment of principal and interest as of the Cut-off Date and no
Mortgage Loan has been so delinquent more than once in the 12-month
period prior to the Cut-off Date;
(ii) The information set forth in Exhibit F hereto with
respect to each Mortgage Loan or the Mortgage Loans, as the case may
be, is true and correct in all material respects at the date or dates
respecting which such information is furnished;
(iii) The Mortgage Loans are fully-amortizing, fixed-rate
mortgage loans with level Monthly Payments due on the first day of each
month and terms to maturity at origination or modification of not more
than 15 years;
(iv) To the best of the Company's knowledge, except with
respect to 34 Mortgage Loans representing approximately 6.8% of the
Mortgage Loans by aggregate Stated Principal Balance (28 of which are
Additional Collateral Loans representing approximately 6.4% of the
Mortgage Loans by aggregate Stated Principal Balance), if a Mortgage
Loan is secured by a Mortgaged Property with a Loan-to-Value Ratio at
origination in excess of 80%, such Mortgage Loan is the
NY1-214425.3
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<PAGE>
subject of a Primary Insurance Policy that insures that portion of the
principal balance thereof that exceeds the amount equal to 75% of the
Appraised Value of the related Mortgaged Property. To the best of the
Company's knowledge, each such Primary Insurance Policy is in full
force and effect and the Trustee is entitled to the benefits
thereunder;
(v) The issuers of the Primary Insurance Policies
are insurance companies whose claims-paying abilities are
currently acceptable to each Rating Agency;
(vi) No more than 0.7% of the Mortgage Loans by aggregate
Stated Principal Balance as of the Cut-off Date are secured by
Mortgaged Properties located in any one zip code area in California and
no more than 0.9% of the Mortgage Loans by aggregate Stated Principal
Balance as of the Cut-off Date are secured by Mortgaged Properties
located in any one zip code area outside California, and none of the
Mortgage Loans is a Cooperative Loan;
(vii) If the improvements securing a Mortgage Loan are in a
federally designated special flood hazard area, flood insurance in the
amount required under the Program Guide covers the related Mortgaged
Property (either by coverage under the federal flood insurance program
or by coverage by private insurers);
(viii) Immediately prior to the assignment of the Mortgage
Loans to the Trustee, the Company had good title to, and was the sole
owner of, each Mortgage Loan free and clear of any pledge, lien,
encumbrance or security interest (other than rights to servicing and
related compensation) and such assignment validly transfers ownership
of the Mortgage Loans to the Trustee free and clear of any pledge,
lien, encumbrance or security interest;
(ix) Approximately 23.02% of the Mortgage Loans by aggregate
Stated Principal Balance as of the Cut-off Date were underwritten under
a reduced loan documentation program and approximately 27.88% of the
Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off
Date were underwritten under a no-stated income program;
(x) Approximately 34.95% of the Mortgage Loans by aggregate
Stated Principal Balance as of the Cut-off Date are non-owner occupied
properties as of the date of origination of such Mortgage Loans;
(xi) None of the Mortgage Loans by aggregate Stated
Principal Balance as of the Cut-off Date were Buydown
Mortgage Loans;
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<PAGE>
(xii) Each Mortgage Loan constitutes a qualified
mortgage under Section 860G(a)(3)(A) of the Code and
Treasury Regulations Section 1.860G-2(a)(1);
(xiii) A policy of title insurance was effective as
of the closing of each Mortgage Loan and is valid and
binding and remains in full force and effect;
(xiv) With respect to a Mortgage Loan that is a Cooperative
Loan, the Cooperative Stock that is pledged as security for the
Mortgage Loan is held by a person as a tenant-stockholder (as defined
in Section 216 of the Code) in a cooperative housing corporation (as
defined in Section 216 of the Code);
(xv) Interest on each Mortgage Loan is calculated
on the basis of a 360-day year consisting of twelve 30-day
months;
(xvi) 0.14% of the Mortgage Loans by aggregate Stated
Principal Balance as of the Cut-off Date contain in the related
Mortgage File a Destroyed Mortgage Note;
(xvii) Not more than 3.5% of the Mortgage Loans by aggregate
Stated Principal Balance as of the Cut-off Date will have been made to
International Borrowers, and no such Mortgagor is a member of a foreign
diplomatic mission with diplomatic rank; and
(xviii) No Mortgage Loan provides for payments that are
subject to reduction by withholding taxes levied by any foreign
(non-United States) sovereign government.
It is understood and agreed that the representations and warranties set forth in
this Section 2.03(b) shall survive delivery of the respective Mortgage Files to
the Trustee or any Custodian.
Upon discovery by any of the Company, the Master Servicer, the Trustee
or any Custodian of a breach of any of the representations and warranties set
forth in this Section 2.03(b) which materially and adversely affects the
interests of the Certificateholders in any Mortgage Loan, the party discovering
such breach shall give prompt written notice to the other parties (any Custodian
being so obligated under a Custodial Agreement); provided, however, that in the
event of a breach of the representation and warranty set forth in Section
2.03(b)(xii), the party discovering such breach shall give such notice within
five days of discovery. Within 90 days of its discovery or its receipt of notice
of breach, the Company shall either (i) cure such breach in all material
respects or (ii) purchase such Mortgage Loan from the Trust Fund at the Purchase
Price and in the manner set forth in Section 2.02; provided that the Company
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<PAGE>
shall have the option to substitute a Qualified Substitute Mortgage Loan or
Loans for such Mortgage Loan if such substitution occurs within two years
following the Closing Date; provided that if the omission or defect would cause
the Mortgage Loan to be other than a "qualified mortgage" as defined in Section
860G(a)(3) of the Code, any such cure or repurchase must occur within 90 days
from the date such breach was discovered. Any such substitution shall be
effected by the Company under the same terms and conditions as provided in
Section 2.04 for substitutions by Residential Funding. It is understood and
agreed that the obligation of the Company to cure such breach or to so purchase
or substitute for any Mortgage Loan as to which such a breach has occurred and
is continuing shall constitute the sole remedy respecting such breach available
to the Certificateholders or the Trustee on behalf of the Certificateholders.
Notwithstanding the foregoing, the Company shall not be required to cure
breaches or purchase or substitute for Mortgage Loans as provided in this
Section 2.03(b) if the substance of the breach of a representation set forth
above also constitutes fraud in the origination of the Mortgage Loan.
Section 2.04. Representations and Warranties of Sellers.
The Company, as assignee of Residential Funding under the Assignment
Agreement, hereby assigns to the Trustee for the benefit of Certificateholders
all of its right, title and interest in respect of the Assignment Agreement and
each Seller's Agreement applicable to a Mortgage Loan. Insofar as the Assignment
Agreement or such Seller's Agreement relates to the representations and
warranties made by Residential Funding or the related Seller in respect of such
Mortgage Loan and any remedies provided thereunder for any breach of such
representations and warranties, such right, title and interest may be enforced
by the Master Servicer on behalf of the Trustee and the Certificate-holders.
Upon the discovery by the Company, the Master Servicer, the Trustee or any
Custodian of a breach of any of the representations and warranties made in a
Seller's Agreement or the Assignment Agreement (which, for purposes hereof, will
be deemed to include any other cause giving rise to a repurchase obligation
under the Assignment Agreement) in respect of any Mortgage Loan which materially
and adversely affects the interests of the Certificateholders in such Mortgage
Loan, the party discovering such breach shall give prompt written notice to the
other parties (any Custodian being so obligated under a Custodial Agreement).
The Master Servicer shall promptly notify the related Seller or Residential
Funding, as the case may be, of such breach and request that such Seller or
Residential Funding, as the case may be, either (i) cure such breach in all
material respects within 90 days from the date the Master Servicer was notified
of such breach or (ii) purchase such Mortgage Loan from the Trust Fund at the
Purchase Price and in the manner set forth in Section 2.02; provided that in the
case of a breach under the Assignment Agreement Residential Funding shall have
the option to
NY1-214425.3
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<PAGE>
substitute a Qualified Substitute Mortgage Loan or Loans for such Mortgage Loan
if such substitution occurs within two years following the Closing Date;
provided that if the breach would cause the Mortgage Loan to be other than a
"qualified mortgage" as defined in Section 860G(a)(3) of the Code, any such cure
or substitution must occur within 90 days from the date the breach was
discovered. In the event that Residential Funding elects to substitute a
Qualified Substitute Mortgage Loan or Loans for a Deleted Mortgage Loan pursuant
to this Section 2.04, Residential Funding shall deliver to the Trustee for the
benefit of the Certificateholders with respect to such Qualified Substitute
Mortgage Loan or Loans, the original Mortgage Note, the Mortgage, an Assignment
of the Mortgage in recordable form, and such other documents and agreements as
are required by Section 2.01, with the Mortgage Note endorsed as required by
Section 2.01. No substitution will be made in any calendar month after the
Determination Date for such month. Monthly Payments due with respect to
Qualified Substitute Mortgage Loans in the month of substitution shall not be
part of the Trust Fund and will be retained by the Master Servicer and remitted
by the Master Servicer to Residential Funding on the next succeeding
Distribution Date. For the month of substitution, distributions to the
Certificateholders will include the Monthly Payment due on a Deleted Mortgage
Loan for such month and thereafter Residential Funding shall be entitled to
retain all amounts received in respect of such Deleted Mortgage Loan. The Master
Servicer shall amend or cause to be amended the Mortgage Loan Schedule, and, if
the Deleted Mortgage Loan was a Discount Mortgage Loan, the Schedule of Discount
Fractions, for the benefit of the Certificateholders to reflect the removal of
such Deleted Mortgage Loan and the substitution of the Qualified Substitute
Mortgage Loan or Loans and the Master Servicer shall deliver the amended
Mortgage Loan Schedule, and, if the Deleted Mortgage Loan was a Discount Loan,
the amended Schedule of Discount Fractions, to the Trustee. Upon such
substitution, the Qualified Substitute Mortgage Loan or Loans shall be subject
to the terms of this Agreement and the related Subservicing Agreement in all
respects, the related Seller shall be deemed to have made the representations
and warranties with respect to the Qualified Substitute Mortgage Loan contained
in the related Seller's Agreement as of the date of substitution, and the
Company and the Master Servicer shall be deemed to have made with respect to any
Qualified Substitute Mortgage Loan or Loans, as of the date of substitution, the
covenants, representations and warranties set forth in this Section 2.04, in
Section 2.03 hereof and in Section 4 of the Assignment Agreement, and the Master
Servicer shall be obligated to repurchase or substitute for any Qualified
Substitute Mortgage Loan as to which a Repurchase Event (as defined in the
Assignment Agreement) has occurred pursuant to Section 4 of the Assignment
Agreement.
In connection with the substitution of one or more Qualified Substitute
Mortgage Loans for one or more Deleted Mortgage Loans,
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the Master Servicer will determine the amount (if any) by which the aggregate
principal balance of all such Qualified Substitute Mortgage Loans as of the date
of substitution is less than the aggregate Stated Principal Balance of all such
Deleted Mortgage Loans (in each case after application of the principal portion
of the Monthly Payments due in the month of substitution that are to be
distributed to the Certificateholders in the month of substitution). Residential
Funding shall deposit the amount of such shortfall into the Custodial Account on
the day of substitution, without any reimbursement therefor. Residential Funding
shall give notice in writing to the Trustee of such event, which notice shall be
accompanied by an Officers' Certificate as to the calculation of such shortfall
and (subject to Section 10.01(f)) by an Opinion of Counsel to the effect that
such substitution will not cause (a) any federal tax to be imposed on the Trust
Fund, including without limitation, any federal tax imposed on "prohibited
transactions" under Section 860F(a)(1) of the Code or on "contributions after
the startup date" under Section 860G(d)(1) of the Code or (b) any portion of the
Trust Fund to fail to qualify as a REMIC at any time that any Certificate is
outstanding.
It is understood and agreed that the obligation of the Seller or
Residential Funding, as the case may be, to cure such breach or purchase (or in
the case of Residential Funding to substitute for) such Mortgage Loan as to
which such a breach has occurred and is continuing shall constitute the sole
remedy respecting such breach available to the Certificateholders or the Trustee
on behalf of Certificateholders. If the Master Servicer is Residential Funding,
then the Trustee shall also have the right to give the notification and require
the purchase or substitution provided for in the second preceding paragraph in
the event of such a breach of a representation or warranty made by Residential
Funding in the Assignment Agreement. In connection with the purchase of or
substitution for any such Mortgage Loan by Residential Funding, the Trustee
shall assign to Residential Funding all of the right, title and interest in
respect of the Seller's Agreement and the Assignment Agreement applicable to
such Mortgage Loan.
Section 2.05. Execution and Authentication of Certificates
The Trustee acknowledges the assignment to it of the Mortgage Loans and
the delivery of the Mortgage Files to it, or any Custodian on its behalf,
subject to any exceptions noted, together with the assignment to it of all other
assets included in the Trust Fund, receipt of which is hereby acknowledged.
Concurrently with such delivery and in exchange therefor, the Trustee, pursuant
to the written request of the Company executed by an officer of the Company has
executed and caused to be authenticated and delivered to or upon the order of
the Company the Certificates in authorized denominations which evidence
ownership of the entire Trust Fund.
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ARTICLE III
ADMINISTRATION AND SERVICING
OF MORTGAGE LOANS
Section 3.01. Master Servicer to Act as Servicer.
(a) The Master Servicer shall service and administer the Mortgage Loans
in accordance with the terms of this Agreement and the respective Mortgage Loans
and shall have full power and authority, acting alone or through Subservicers as
provided in Section 3.02, to do any and all things which it may deem necessary
or desirable in connection with such servicing and administration. Without
limiting the generality of the foregoing, the Master Servicer in its own name or
in the name of a Subservicer is hereby authorized and empowered by the Trustee
when the Master Servicer or the Subservicer, as the case may be, believes it
appropriate in its best judgment, to execute and deliver, on behalf of the
Certificateholders and the Trustee or any of them, any and all instruments of
satisfaction or cancellation, or of partial or full release or discharge, or of
consent to assumption or modification in connection with a proposed conveyance,
or of assignment of any Mortgage and Mortgage Note in connection with the
repurchase of a Mortgage Loan and all other comparable instruments, or with
respect to the modification or re-recording of a Mortgage for the purpose of
correcting the Mortgage, the subordination of the lien of the Mortgage in favor
of a public utility company or government agency or unit with powers of eminent
domain, the taking of a deed in lieu of foreclosure, the completion of judicial
or non-judicial foreclosure, the conveyance of a Mortgaged Property to the
related Insurer, the acquisition of any property acquired by foreclosure or deed
in lieu of foreclosure, or the management, marketing and conveyance of any
property acquired by foreclosure or deed in lieu of foreclosure with respect to
the Mortgage Loans and with respect to the Mortgaged Properties. Notwithstanding
the foregoing, subject to Section 3.07(a), the Master Servicer shall not permit
any modification with respect to any Mortgage Loan that would both constitute a
sale or exchange of such Mortgage Loan within the meaning of Section 1001 of the
Code and any proposed, temporary or final regulations promulgated thereunder
(other than in connection with a proposed conveyance or assumption of such
Mortgage Loan that is treated as a Principal Prepayment in Full pursuant to
Section 3.13(d) hereof) and cause the Trust Fund to fail to qualify as such
under the Code. The Trustee shall furnish the Master Servicer with any powers of
attorney and other documents necessary or appropriate to enable the Master
Servicer to service and administer the Mortgage Loans. The Trustee shall not be
liable for any action taken by the Master Servicer or any Subservicer pursuant
to such powers of attorney. In servicing and administering any Nonsubserviced
Mortgage Loan, the Master Servicer shall, to the
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extent not inconsistent with this Agreement, comply with the Program Guide as if
it were the originator of such Mortgage Loan and had retained the servicing
rights and obligations in respect thereof. In connection with servicing and
administering the Mortgage Loans, the Master Servicer and any Affiliate of the
Master Servicer (i) may perform services such as appraisals and brokerage
services that are not customarily provided by servicers of mortgage loans, and
shall be entitled to reasonable compensation therefor in accordance with Section
3.10 and (ii) may, at its own discretion and on behalf of the Trustee, obtain
credit information in the form of a "credit score" from a credit repository.
(b) All costs incurred by the Master Servicer or by Subservicers in
effecting the timely payment of taxes and assessments on the properties subject
to the Mortgage Loans shall not, for the purpose of calculating monthly
distributions to the Certificateholders, be added to the amount owing under the
related Mortgage Loans, notwithstanding that the terms of such Mortgage Loan so
permit, and such costs shall be recoverable to the extent permitted by Section
3.10(a)(ii).
(c) The Master Servicer may enter into one or more agreements in
connection with the offering of pass-through certificates evidencing interests
in one or more of the Certificates providing for the payment by the Master
Servicer of amounts received by the Master Servicer as servicing compensation
hereunder and required to cover certain Prepayment Interest Shortfalls on the
Mortgage Loans, which payment obligation will thereafter be an obligation of the
Master Servicer hereunder.
Section 3.02. Subservicing Agreements Between Master
Servicer and Subservicers; Enforcement of
Subservicers' and Sellers' Obligations.
(a) The Master Servicer may continue in effect Subservicing Agreements
entered into by Residential Funding and Subservicers prior to the execution and
delivery of this Agreement, and may enter into new Subservicing Agreements with
Subservicers, for the servicing and administration of all or some of the
Mortgage Loans. Each Subservicer of a Mortgage Loan shall be entitled to receive
and retain, as provided in the related Subservicing Agreement and in Section
3.07, the related Subservicing Fee from payments of interest received on such
Mortgage Loan after payment of all amounts required to be remitted to the Master
Servicer in respect of such Mortgage Loan. For any Mortgage Loan that is a
Nonsubserviced Mortgage Loan, the Master Servicer shall be entitled to receive
and retain an amount equal to the Subservicing Fee from payments of interest.
Unless the context otherwise requires, references in this Agreement to actions
taken or to be taken by the Master Servicer in servicing the Mortgage Loans
include actions taken or to be taken by a Subservicer on behalf of the Master
Servicer. Each Subservicing
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Agreement will be upon such terms and conditions as are generally required or
permitted by the Program Guide and are not inconsistent with this Agreement and
as the Master Servicer and the Subservicer have agreed. A representative form of
Subservicing Agreement is attached to this Agreement as Exhibit G. With the
approval of the Master Servicer, a Subservicer may delegate its servicing
obligations to third-party servicers, but such Subservicer will remain obligated
under the related Subservicing Agreement. The Master Servicer and a Subservicer
may enter into amendments thereto or a different form of Subservicing Agreement,
and the form referred to or included in the Program Guide is merely provided for
information and shall not be deemed to limit in any respect the discretion of
the Master Servicer to modify or enter into different Subservicing Agreements;
provided, however, that any such amendments or different forms shall be
consistent with and not violate the provisions of either this Agreement or the
Program Guide in a manner which would materially and adversely affect the
interests of the Certificateholders.
(b) As part of its servicing activities hereunder, the Master Servicer,
for the benefit of the Trustee and the Certificateholders, shall use its best
reasonable efforts to enforce the obligations of each Subservicer under the
related Subservicing Agreement and of each Seller under the related Seller's
Agreement, to the extent that the non-performance of any such obligation would
have a material and adverse effect on a Mortgage Loan, including, without
limitation, the obligation to purchase a Mortgage Loan on account of defective
documentation, as described in Section 2.02, or on account of a breach of a
representation or warranty, as described in Section 2.04. Such enforcement,
including, without limitation, the legal prosecution of claims, termination of
Subservicing Agreements or Seller's Agreements, as appropriate, and the pursuit
of other appropriate remedies, shall be in such form and carried out to such an
extent and at such time as the Master Servicer would employ in its good faith
business judgment and which are normal and usual in its general mortgage
servicing activities. The Master Servicer shall pay the costs of such
enforcement at its own expense, and shall be reimbursed therefor only (i) from a
general recovery resulting from such enforcement to the extent, if any, that
such recovery exceeds all amounts due in respect of the related Mortgage Loan or
(ii) from a specific recovery of costs, expenses or attorneys fees against the
party against whom such enforcement is directed.
Section 3.03. Successor Subservicers.
The Master Servicer shall be entitled to terminate any Subservicing
Agreement that may exist in accordance with the terms and conditions of such
Subservicing Agreement and without any limitation by virtue of this Agreement;
provided, however, that in the event of termination of any Subservicing
Agreement by the Master Servicer or the Subservicer, the Master Servicer shall
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either act as servicer of the related Mortgage Loan or enter into a Subservicing
Agreement with a successor Subservicer which will be bound by the terms of the
related Subservicing Agreement. If the Master Servicer or any Affiliate of
Residential Funding acts as servicer, it will not assume liability for the
representations and warranties of the Subservicer which it replaces. If the
Master Servicer enters into a Subservicing Agreement with a successor
Subservicer, the Master Servicer shall use reasonable efforts to have the
successor Subservicer assume liability for the representations and warranties
made by the terminated Subservicer in respect of the related Mortgage Loans and,
in the event of any such assumption by the successor Subservicer, the Master
Servicer may, in the exercise of its business judgment, release the terminated
Subservicer from liability for such representations and warranties.
Section 3.04. Liability of the Master Servicer.
Notwithstanding any Subservicing Agreement, any of the provisions of
this Agreement relating to agreements or arrangements between the Master
Servicer or a Subservicer or reference to actions taken through a Subservicer or
otherwise, the Master Servicer shall remain obligated and liable to the Trustee
and the Certificateholders for the servicing and administering of the Mortgage
Loans in accordance with the provisions of Section 3.01 without diminution of
such obligation or liability by virtue of such Subservicing Agreements or
arrangements or by virtue of indemnification from the Subservicer or the Company
and to the same extent and under the same terms and conditions as if the Master
Servicer alone were servicing and administering the Mortgage Loans. The Master
Servicer shall be entitled to enter into any agreement with a Subservicer or
Seller for indemnification of the Master Servicer and nothing contained in this
Agreement shall be deemed to limit or modify such indemnification.
Section 3.05. No Contractual Relationship Between
Subservicer and Trustee or
Certificateholders.
Any Subservicing Agreement that may be entered into and any other
transactions or services relating to the Mortgage Loans involving a Subservicer
in its capacity as such and not as an originator shall be deemed to be between
the Subservicer and the Master Servicer alone and the Trustee and the
Certificateholders shall not be deemed parties thereto and shall have no claims,
rights, obligations, duties or liabilities with respect to the Subservicer in
its capacity as such except as set forth in Section 3.06. The foregoing
provision shall not in any way limit a Subservicer's obligation to cure an
omission or defect or to repurchase a Mortgage Loan as referred to in Section
2.02 hereof.
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Section 3.06. Assumption or Termination of Subservicing
Agreements by Trustee.
(a) In the event the Master Servicer shall for any reason no longer be
the master servicer (including by reason of an Event of Default), the Trustee,
its designee or its successor shall thereupon assume all of the rights and
obligations of the Master Servicer under each Subservicing Agreement that may
have been entered into. The Trustee, its designee or the successor servicer for
the Trustee shall be deemed to have assumed all of the Master Servicer's
interest therein and to have replaced the Master Servicer as a party to the
Subservicing Agreement to the same extent as if the Subservicing Agreement had
been assigned to the assuming party except that the Master Servicer shall not
thereby be relieved of any liability or obligations under the Subservicing
Agreement.
(b) The Master Servicer shall, upon request of the Trustee but at the
expense of the Master Servicer, deliver to the assuming party all documents and
records relating to each Subservicing Agreement and the Mortgage Loans then
being serviced and an accounting of amounts collected and held by it and
otherwise use its best efforts to effect the orderly and efficient transfer of
each Subservicing Agreement to the assuming party.
Section 3.07. Collection of Certain Mortgage Loan
Payments; Deposits to Custodial Account.
(a) The Master Servicer shall make reasonable efforts to collect all
payments called for under the terms and provisions of the Mortgage Loans, and
shall, to the extent such procedures shall be consistent with this Agreement and
the terms and provisions of any related Primary Insurance Policy, follow such
collection procedures as it would employ in its good faith business judgment and
which are normal and usual in its general mortgage servicing activities.
Consistent with the foregoing, the Master Servicer may in its discretion (i)
waive any late payment charge or any prepayment charge or penalty interest in
connection with the prepayment of a Mortgage Loan and (ii) extend the Due Date
for payments due on a Mortgage Loan in accordance with the Program Guide;
provided, however, that the Master Servicer shall first determine that any such
waiver or extension will not impair the coverage of any related Primary
Insurance Policy or materially adversely affect the lien of the related
Mortgage. In the event of any such arrangement, the Master Servicer shall make
timely advances on the related Mortgage Loan during the scheduled period in
accordance with the amortization schedule of such Mortgage Loan without
modification thereof by reason of such arrangements unless otherwise agreed to
by the Holders of the Classes of Certificates affected thereby; provided,
however, that no such extension shall be made if any advance would be a
Nonrecoverable Advance. Consistent with the
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terms of this Agreement, the Master Servicer may also waive, modify or vary any
term of any Mortgage Loan or consent to the postponement of strict compliance
with any such term or in any manner grant indulgence to any Mortgagor if in the
Master Servicer's determination such waiver, modification, postponement or
indulgence is not materially adverse to the interests of the Certificateholders
(taking into account any estimated Realized Loss that might result absent such
action); provided, however, that the Master Servicer may not modify materially
or permit any Subservicer to modify any Mortgage Loan, including without
limitation any modification that would change the Mortgage Rate, forgive the
payment of any principal or interest (unless in connection with the liquidation
of the related Mortgage Loan or except in connection with prepayments to the
extent that such reamortization is not inconsistent with the terms of the
Mortgage Loan), or extend the final maturity date of such Mortgage Loan, unless
such Mortgage Loan is in default or, in the judgment of the Master Servicer,
such default is reasonably foreseeable. In connection with any Curtailment of a
Mortgage Loan, the Master Servicer, to the extent not inconsistent with the
terms of the Mortgage Note and local law and practice, may permit the Mortgage
Loan to be reamortized such that the Monthly Payment is recalculated as an
amount that will fully amortize the remaining Stated Principal Balance thereof
by the original Maturity Date based on the original Mortgage Rate; provided,
that such re-amortization shall not be permitted if it would constitute a
reissuance of the Mortgage Loan for federal income tax purposes.
(b) The Master Servicer shall establish and maintain a Custodial
Account in which the Master Servicer shall deposit or cause to be deposited on a
daily basis, except as otherwise specifically provided herein, the following
payments and collections remitted by Subservicers or received by it in respect
of the Mortgage Loans subsequent to the Cut-off Date (other than in respect of
principal and interest on the Mortgage Loans due on or before the Cut-off Date):
(i) All payments on account of principal, including
Principal Prepayments made by Mortgagors on the Mortgage Loans and the
principal component of any Subservicer Advance or of any REO Proceeds
received in connection with an REO Property for which an REO
Disposition has occurred;
(ii) All payments on account of interest at the Adjusted
Mortgage Rate on the Mortgage Loans, including Buydown Funds, if any,
and the interest component of any Subservicer Advance or of any REO
Proceeds received in connection with an REO Property for which an REO
Disposition has occurred;
(iii) Insurance Proceeds and Liquidation Proceeds
(net of any related expenses of the Subservicer);
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(iv) All proceeds of any Mortgage Loans purchased pursuant
to Section 2.02, 2.03, 2.04 or 4.07 and all amounts required to be
deposited in connection with the substitution of a Qualified Substitute
Mortgage Loan pursuant to Section 2.03 or 2.04;
(v) Any amounts required to be deposited pursuant to
Section 3.07(c) or 3.21;
(vi) All amounts transferred from the Certificate
Account to the Custodial Account in accordance with Section
4.02(a); and
(vii) Any amounts realized by MLCC and received by
the Master Servicer in respect of any Additional Collateral.
The foregoing requirements for deposit in the Custodial Account shall be
exclusive, it being understood and agreed that, without limiting the generality
of the foregoing, payments on the Mortgage Loans which are not part of the Trust
Fund (consisting of payments in respect of principal and interest on the
Mortgage Loans due on or before the Cut-off Date) and payments or collections in
the nature of prepayment charges or late payment charges or assumption fees may
but need not be deposited by the Master Servicer in the Custodial Account. In
the event any amount not required to be deposited in the Custodial Account is so
deposited, the Master Servicer may at any time withdraw such amount from the
Custodial Account, any provision herein to the contrary notwithstanding. The
Custodial Account may contain funds that belong to one or more trust funds
created for mortgage pass-through certificates of other series and may contain
other funds respecting payments on mortgage loans belonging to the Master
Servicer or serviced or master serviced by it on behalf of others.
Notwithstanding such commingling of funds, the Master Servicer shall keep
records that accurately reflect the funds on deposit in the Custodial Account
that have been identified by it as being attributable to the Mortgage Loans.
With respect to Insurance Proceeds, Liquidation Proceeds, REO Proceeds
and the proceeds of the purchase of any Mortgage Loan pursuant to Sections 2.02,
2.03, 2.04 and 4.07 received in any calendar month, the Master Servicer may
elect to treat such amounts as included in the Available Distribution Amount for
the Distribution Date in the month of receipt, but is not obligated to do so. If
the Master Servicer so elects, such amounts will be deemed to have been received
(and any related Realized Loss shall be deemed to have occurred) on the last day
of the month prior to the receipt thereof.
(c) The Master Servicer shall use its best efforts to cause the
institution maintaining the Custodial Account to invest the funds in the
Custodial Account attributable to the Mortgage Loans in Permitted Investments
which shall mature not later than
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the Certificate Account Deposit Date next following the date of such investment
(with the exception of the Amount Held for Future Distribution) and which shall
not be sold or disposed of prior to their maturities. All income and gain
realized from any such investment shall be for the benefit of the Master
Servicer as additional servicing compensation and shall be subject to its
withdrawal or order from time to time. The amount of any losses incurred in
respect of any such investments attributable to the investment of amounts in
respect of the Mortgage Loans shall be deposited in the Custodial Account by the
Master Servicer out of its own funds immediately as realized without any right
of reimbursement.
(d) The Master Servicer shall give notice to the Trustee and the
Company of any change in the location of the Custodial Account and the location
of the Certificate Account prior to the use thereof.
Section 3.08. Subservicing Accounts; Servicing Accounts.
(a) In those cases where a Subservicer is servicing a Mortgage Loan
pursuant to a Subservicing Agreement, the Master Servicer shall cause the
Subservicer, pursuant to the Subservicing Agreement, to establish and maintain
one or more Subservicing Accounts which shall be an Eligible Account or, if such
account is not an Eligible Account, shall generally satisfy the requirements of
the Program Guide and be otherwise acceptable to the Master Servicer and each
Rating Agency. The Subservicer will be required thereby to deposit into the
Subservicing Account on a daily basis all proceeds of Mortgage Loans received by
the Subservicer, less its Subservicing Fees and unreimbursed advances and
expenses, to the extent permitted by the Subservicing Agreement. If the
Subservicing Account is not an Eligible Account, the Master Servicer shall be
deemed to have received such monies upon receipt thereof by the Subservicer. The
Subservicer shall not be required to deposit in the Subservicing Account
payments or collections in the nature of prepayment charges or late charges or
assumption fees. On or before the date specified in the Program Guide, but in no
event later than the Determination Date, the Master Servicer shall cause the
Subservicer, pursuant to the Subservicing Agreement, to remit to the Master
Servicer for deposit in the Custodial Account all funds held in the Subservicing
Account with respect to each Mortgage Loan serviced by such Subservicer that are
required to be remitted to the Master Servicer. The Subservicer will also be
required, pursuant to the Subservicing Agreement, to advance on such scheduled
date of remittance amounts equal to any scheduled monthly installments of
principal and interest less its Subservicing Fees on any Mortgage Loans for
which payment was not received by the Subservicer. This obligation to advance
with respect to each Mortgage Loan will continue up to and including the first
of the month following the date on which the related Mortgaged Property is sold
at a foreclosure sale or is acquired
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by the Trust Fund by deed in lieu of foreclosure or otherwise. All such advances
received by the Master Servicer shall be deposited promptly by it in the
Custodial Account.
(b) The Subservicer may also be required, pursuant to the Subservicing
Agreement, to remit to the Master Servicer for deposit in the Custodial Account
interest at the Adjusted Mortgage Rate on any Curtailment received by such
Subservicer in respect of a Mortgage Loan from the related Mortgagor during any
month that is to be applied by the Subservicer to reduce the unpaid principal
balance of the related Mortgage Loan as of the first day of such month, from the
date of application of such Curtailment to the first day of the following month.
Any amounts paid by a Subservicer pursuant to the preceding sentence shall be
for the benefit of the Master Servicer as additional servicing compensation and
shall be subject to its withdrawal or order from time to time pursuant to
Sections 3.10(a)(iv) and (v).
(c) In addition to the Custodial Account and the Certificate Account,
the Master Servicer shall for any Nonsubserviced Mortgage Loan, and shall cause
the Subservicers for Subserviced Mortgage Loans to, establish and maintain one
or more Servicing Accounts and deposit and retain therein all collections from
the Mortgagors (or advances from Subservicers) for the payment of taxes,
assessments, hazard insurance premiums, Primary Insurance Policy premiums, if
applicable, or comparable items for the account of the Mortgagors. Each
Servicing Account shall satisfy the requirements for a Subservicing Account and,
to the extent permitted by the Program Guide or as is otherwise acceptable to
the Master Servicer, may also function as a Subservicing Account. Withdrawals of
amounts related to the Mortgage Loans from the Servicing Accounts may be made
only to effect timely payment of taxes, assessments, hazard insurance premiums,
Primary Insurance Policy premiums, if applicable, or comparable items, to
reimburse the Master Servicer or Subservicer out of related collections for any
payments made pursuant to Sections 3.11 (with respect to the Primary Insurance
Policy) and 3.12(a) (with respect to hazard insurance), to refund to any
Mortgagors any sums as may be determined to be overages, to pay interest, if
required, to Mortgagors on balances in the Servicing Account or to clear and
terminate the Servicing Account at the termination of this Agreement in
accordance with Section 9.01 or in accordance with the Program Guide. As part of
its servicing duties, the Master Servicer shall, and the Subservicers will,
pursuant to the Subservicing Agreements, be required to pay to the Mortgagors
interest on funds in this account to the extent required by law.
(d) The Master Servicer shall advance the payments referred to in the
preceding subsection that are not timely paid by the Mortgagors or advanced by
the Subservicers on the date when the tax, premium or other cost for which such
payment is intended is due, but the Master Servicer shall be required so to
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advance only to the extent that such advances, in the good faith judgment of the
Master Servicer, will be recoverable by the Master Servicer out of Insurance
Proceeds, Liquidation Proceeds
or otherwise.
Section 3.09. Access to Certain Documentation and
Information Regarding the Mortgage Loans.
In the event that compliance with this Section 3.09 shall make any
Class of Certificates legal for investment by federally insured savings and loan
associations, the Master Servicer shall provide, or cause the Subservicers to
provide, to the Trustee, the Office of Thrift Supervision or the FDIC and the
supervisory agents and examiners thereof access to the documentation regarding
the Mortgage Loans required by applicable regulations of the Office of Thrift
Supervision, such access being afforded without charge but only upon reasonable
request and during normal business hours at the offices designated by the Master
Servicer. The Master Servicer shall permit such representatives to photocopy any
such documentation and shall provide equipment for that purpose at a charge
reasonably approximating the cost of such photocopying to the Master Servicer.
Section 3.10. Permitted Withdrawals from the
Custodial Account.
(a) The Master Servicer may, from time to time as provided herein, make
withdrawals from the Custodial Account of amounts on deposit therein pursuant to
Section 3.07 that are attributable to the Mortgage Loans for the following
purposes:
(i) to make deposits into the Certificate
Account
in the amounts and in the manner provided for in Section
4.01;
(ii) to reimburse itself or the related Subservicer for
previously unreimbursed advances or expenses made pursuant to Sections
3.01, 3.07(a), 3.08, 3.11, 3.12(a), 3.14 and 4.04 or otherwise
reimbursable pursuant to the terms of this Agreement, such withdrawal
right being limited to amounts received on particular Mortgage Loans
(including, for this purpose, REO Proceeds, Insurance Proceeds,
Liquidation Proceeds and proceeds from the purchase of a Mortgage Loan
pursuant to Section 2.02, 2.03, 2.04 or 4.07) which represent (A) Late
Collections of Monthly Payments for which any such advance was made in
the case of Subservicer Advances or Advances pursuant to Section 4.04
and (B) recoveries of amounts in respect of which such advances were
made in the case of Servicing Advances;
(iii) to pay to itself or the related Subservicer
(if not previously retained by such Subservicer) out of each
payment received by the Master Servicer on account of
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interest on a Mortgage Loan as contemplated by Sections 3.14 and 3.16,
an amount equal to that remaining portion of any such payment as to
interest (but not in excess of the Servicing Fee and the Subservicing
Fee, if not previously retained) which, when deducted, will result in
the remaining amount of such interest being interest at the Net
Mortgage Rate on the amount specified in the amortization schedule of
the related Mortgage Loan as the principal balance thereof at the
beginning of the period respecting which such interest was paid after
giving effect to any previous Curtailments;
(iv) to pay to itself as additional servicing compensation
any interest or investment income earned on funds deposited in the
Custodial Account that it is entitled to withdraw pursuant to Section
3.07(c);
(v) to pay to itself as additional servicing
compensation any Foreclosure Profits, and any amounts
remitted by Subservicers as interest in respect of
Curtailments pursuant to Section 3.08(b);
(vi) to pay to itself, a Subservicer, a Seller, Residential
Funding, the Company or any other appropriate Person, as the case may
be, with respect to each Mortgage Loan or property acquired in respect
thereof that has been purchased or otherwise transferred pursuant to
Section 2.02, 2.03, 2.04, 4.07 or 9.01, all amounts received thereon
and not required to be distributed to the Certificateholders as of the
date on which the related Stated Principal Balance or Purchase Price is
determined;
(vii) to reimburse itself or the related Subservicer for any
Nonrecoverable Advance or Advances in the manner and to the extent
provided in subsection (c) below or any Advance reimbursable to the
Master Servicer pursuant to Section 4.02(a)(iii);
(viii) to reimburse itself or the Company for expenses
incurred by and reimbursable to it or the Company pursuant to Sections
3.13, 3.14(c), 6.03, 10.01 or otherwise, or in connection with
enforcing any repurchase, substitution or indemnification obligation of
any Seller (other than an Affiliate of the Company) pursuant to the
related Seller's Agreement;
(ix) to reimburse itself for amounts expended by it (a)
pursuant to Section 3.14 in good faith in connection with the
restoration of property damaged by an Uninsured Cause, and (b) in
connection with the liquidation of a Mortgage Loan or disposition of an
REO Property to the extent not otherwise reimbursed pursuant to clause
(ii) or (viii) above; and
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(x) to withdraw any amount deposited in the
Custodial Account that was not required to be deposited
therein pursuant to Section 3.07.
(b) Since, in connection with withdrawals pursuant to clauses (ii),
(iii), (v) and (vi), the Master Servicer's entitlement thereto is limited to
collections or other recoveries on the related Mortgage Loan, the Master
Servicer shall keep and maintain separate accounting, on a Mortgage Loan by
Mortgage Loan basis, for the purpose of justifying any withdrawal from the
Custodial Account pursuant to such clauses.
(c) The Master Servicer shall be entitled to reimburse itself or the
related Subservicer for any advance made in respect of a Mortgage Loan that the
Master Servicer determines to be a Nonrecoverable Advance by withdrawal from the
Custodial Account of amounts on deposit therein attributable to the Mortgage
Loans on any Certificate Account Deposit Date succeeding the date of such
determination. Such right of reimbursement in respect of a Nonrecoverable
Advance on any such Certificate Account Deposit Date shall be limited to an
amount not exceeding the portion of such advance previously paid to
Certificateholders (and not theretofore reimbursed to the Master Servicer or the
related Subservicer).
Section 3.11. Maintenance of the Primary Insurance
Policies; Collections Thereunder.
(a) The Master Servicer shall not take, or permit any Subservicer to
take, any action which would result in non-coverage under any applicable Primary
Insurance Policy of any loss which, but for the actions of the Master Servicer
or Subservicer, would have been covered thereunder. To the extent coverage is
available, the Master Servicer shall keep or cause to be kept in full force and
effect each such Primary Insurance Policy until the principal balance of the
related Mortgage Loan secured by a Mortgaged Property is reduced to 80% or less
of the Appraised Value in the case of such a Mortgage Loan having a
Loan-to-Value Ratio at origination in excess of 80%, provided that such Primary
Insurance Policy was in place as of the Cut-off Date and the Company had
knowledge of such Primary Insurance Policy. The Master Servicer shall be
entitled to cancel or permit the discontinuation of any Primary Insurance Policy
as to any Mortgage Loan, if the Stated Principal Balance of the Mortgage Loan is
reduced below an amount equal to 80% of the appraised value of the related
Mortgaged Property as determined in any appraisal thereof after the Closing
Date, or if the Loan-to-Value Ratio is reduced below 80% as a result of
principal payments on the Mortgage Loan after the Closing Date. In the event
that the Company gains knowledge that as of the Closing Date, a Mortgage Loan
had a Loan-to-Value Ratio at origination in excess of 80% and is not the subject
of a Primary Insurance Policy (and was not included in any exception to the
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representation in Section 2.03(b)(iv)) and that such Mortgage Loan has a current
Loan-to-Value Ratio in excess of 80% then the Master Servicer shall use its
reasonable efforts to obtain and maintain a Primary Insurance Policy to the
extent that such a policy is obtainable at a reasonable price. The Master
Servicer shall not cancel or refuse to renew any such Primary Insurance Policy
applicable to a Nonsubserviced Mortgage Loan, or consent to any Subservicer
canceling or refusing to renew any such Primary Insurance Policy applicable to a
Mortgage Loan subserviced by it, that is in effect at the date of the initial
issuance of the Certificates and is required to be kept in force hereunder
unless the replacement Primary Insurance Policy for such canceled or non-renewed
policy is maintained with an insurer whose claims-paying ability is acceptable
to each Rating Agency for mortgage pass-through certificates having a rating
equal to or better than the lower of the then-current rating or the rating
assigned to the Certificates as of the Closing Date by such Rating Agency.
(b) In connection with its activities as administrator and servicer of
the Mortgage Loans, the Master Servicer agrees to present or to cause the
related Subservicer to present, on behalf of the Master Servicer, the
Subservicer, if any, the Trustee and Certificateholders, claims to the related
Insurer under any Primary Insurance Policies, in a timely manner in accordance
with such policies, and, in this regard, to take or cause to be taken such
reasonable action as shall be necessary to permit recovery under any Primary
Insurance Policies respecting defaulted Mortgage Loans. Pursuant to Section
3.07, any Insurance Proceeds collected by or remitted to the Master Servicer
under any Primary Insurance Policies shall be deposited in the Custodial
Account, subject to withdrawal pursuant to Section 3.10.
Section 3.12. Maintenance of Fire Insurance and
Omissions and Fidelity Coverage.
(a) The Master Servicer shall cause to be maintained for each Mortgage
Loan (other than a Cooperative Loan) fire insurance with extended coverage in an
amount which is equal to the lesser of the principal balance owing on such
Mortgage Loan or 100 percent of the insurable value of the improvements;
provided, however, that such coverage may not be less than the minimum amount
required to fully compensate for any loss or damage on a replacement cost basis.
To the extent it may do so without breaching the related Subservicing Agreement,
the Master Servicer shall replace any Subservicer that does not cause such
insurance, to the extent it is available, to be maintained. The Master Servicer
shall also cause to be maintained on property acquired upon foreclosure, or deed
in lieu of foreclosure, of any Mortgage Loan (other than a Cooperative Loan),
fire insurance with extended coverage in an amount which is at least equal to
the amount necessary to avoid the application of any co-insurance clause
contained in the related hazard insurance policy.
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Pursuant to Section 3.07, any amounts collected by the Master Servicer under any
such policies (other than amounts to be applied to the restoration or repair of
the related Mortgaged Property or property thus acquired or amounts released to
the Mortgagor in accordance with the Master Servicer's normal servicing
procedures) shall be deposited in the Custodial Account, subject to withdrawal
pursuant to Section 3.10. Any cost incurred by the Master Servicer in
maintaining any such insurance shall not, for the purpose of calculating monthly
distributions to the Certificateholders, be added to the amount owing under the
Mortgage Loan, notwithstanding that the terms of the Mortgage Loan so permit.
Such costs shall be recoverable by the Master Servicer out of related late
payments by the Mortgagor or out of Insurance Proceeds and Liquidation Proceeds
to the extent permitted by Section 3.10. It is understood and agreed that no
earthquake or other additional insurance is to be required of any Mortgagor or
maintained on property acquired in respect of a Mortgage Loan other than
pursuant to such applicable laws and regulations as shall at any time be in
force and as shall require such additional insurance. Whenever the improvements
securing a Mortgage Loan (other than a Cooperative Loan) are located at the time
of origination of such Mortgage Loan in a federally designated special flood
hazard area, the Master Servicer shall cause flood insurance (to the extent
available) to be maintained in respect thereof. Such flood insurance shall be in
an amount equal to the lesser of (i) the amount required to compensate for any
loss or damage to the Mortgaged Property on a replacement cost basis and (ii)
the maximum amount of such insurance available for the related Mortgaged
Property under the national flood insurance program (assuming that the area in
which such Mortgaged Property is located is participating in such program).
In the event that the Master Servicer shall obtain and maintain a
blanket fire insurance policy with extended coverage insuring against hazard
losses on all of the Mortgage Loans, it shall conclusively be deemed to have
satisfied its obligations as set forth in the first sentence of this Section
3.12(a), it being understood and agreed that such policy may contain a
deductible clause, in which case the Master Servicer shall, in the event that
there shall not have been maintained on the related Mortgaged Property a policy
complying with the first sentence of this Section 3.12(a) and there shall have
been a loss which would have been covered by such policy, deposit in the
Certificate Account the amount not otherwise payable under the blanket policy
because of such deductible clause. Any such deposit by the Master Servicer shall
be made on the Certificate Account Deposit Date next preceding the Distribution
Date which occurs in the month following the month in which payments under any
such policy would have been deposited in the Custodial Account. In connection
with its activities as administrator and servicer of the Mortgage Loans, the
Master Servicer agrees to present, on
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behalf of itself, the Trustee and the Certificateholders, claims
under any such blanket policy.
(b) The Master Servicer shall obtain and maintain at its own expense
and keep in full force and effect throughout the term of this Agreement a
blanket fidelity bond and an errors and omissions insurance policy covering the
Master Servicer's officers and employees and other persons acting on behalf of
the Master Servicer in connection with its activities under this Agreement. The
amount of coverage shall be at least equal to the coverage that would be
required by FNMA or FHLMC, whichever is greater, with respect to the Master
Servicer if the Master Servicer were servicing and administering the Mortgage
Loans for FNMA or FHLMC. In the event that any such bond or policy ceases to be
in effect, the Master Servicer shall obtain a comparable replacement bond or
policy from an issuer or insurer, as the case may be, meeting the requirements,
if any, of the Program Guide and acceptable to the Company. Coverage of the
Master Servicer under a policy or bond obtained by an Affiliate of the Master
Servicer and providing the coverage required by this Section 3.12(b) shall
satisfy the requirements of this Section 3.12(b).
Section 3.13. Enforcement of Due-on-Sale Clauses;
Assumption and Modification Agreements;
Certain Assignments.
(a) When any Mortgaged Property is conveyed by the Mortgagor, the
Master Servicer or Subservicer, to the extent it has knowledge of such
conveyance, shall enforce any due-on-sale clause contained in any Mortgage Note
or Mortgage, to the extent permitted under applicable law and governmental
regulations, but only to the extent that such enforcement will not adversely
affect or jeopardize coverage under any Required Insurance Policy.
Notwithstanding the foregoing:
(i) the Master Servicer shall not be deemed to be in default
under this Section 3.13(a) by reason of any transfer or assumption
which the Master Servicer is restricted by law from preventing; and
(ii) if the Master Servicer determines that it is reasonably
likely that any Mortgagor will bring, or if any Mortgagor does bring,
legal action to declare invalid or otherwise avoid enforcement of a
due-on-sale clause contained in any Mortgage Note or Mortgage, the
Master Servicer shall not be required to enforce the due-on-sale clause
or to contest such action.
(b) Subject to the Master Servicer's duty to enforce any due-on-sale
clause to the extent set forth in Section 3.13(a), in any case in which a
Mortgaged Property is to be conveyed to a Person by a Mortgagor, and such Person
is to enter into an assumption or modification agreement or supplement to the
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Mortgage Note or Mortgage which requires the signature of the Trustee, or if an
instrument of release signed by the Trustee is required releasing the Mortgagor
from liability on the Mortgage Loan, the Master Servicer is authorized, subject
to the requirements of the sentence next following, to execute and deliver, on
behalf of the Trustee, the assumption agreement with the Person to whom the
Mortgaged Property is to be conveyed and such modification agreement or
supplement to the Mortgage Note or Mortgage or other instruments as are
reasonable or necessary to carry out the terms of the Mortgage Note or Mortgage
or otherwise to comply with any applicable laws regarding assumptions or the
transfer of the Mortgaged Property to such Person; provided, however, none of
such terms and requirements shall both (i) constitute a "significant
modification" effecting an exchange or reissuance of such Mortgage Loan under
the Code (or final, temporary or proposed Treasury Regulations promulgated
thereunder) and (ii) cause the Trust Fund to fail to qualify as a REMIC under
the Code or (subject to Section 10.01(f)), result in the imposition of any tax
on "prohibited transactions" or constitute "contributions" after the start-up
date under the REMIC Provisions. The Master Servicer shall execute and deliver
such documents only if it reasonably determines that (i) its execution and
delivery thereof will not conflict with or violate any terms of this Agreement
or cause the unpaid balance and interest on the Mortgage Loan to be
uncollectible in whole or in part, (ii) any required consents of insurers under
any Required Insurance Policies have been obtained and (iii) subsequent to the
closing of the transaction involving the assumption or transfer (A) the Mortgage
Loan will continue to be secured by a first mortgage lien pursuant to the terms
of the Mortgage, (B) such transaction will not adversely affect the coverage
under any Required Insurance Policies, (C) the Mortgage Loan will fully amortize
over the remaining term thereof, (D) no material term of the Mortgage Loan
(including the interest rate on the Mortgage Loan) will be altered nor will the
term of the Mortgage Loan be changed and (E) if the seller/transferor of the
Mortgaged Property is to be released from liability on the Mortgage Loan, such
release will not (based on the Master Servicer's or Subservicer's good faith
determination) adversely affect the collectability of the Mortgage Loan. Upon
receipt of appropriate instructions from the Master Servicer in accordance with
the foregoing, the Trustee shall execute any necessary instruments for such
assumption or substitution of liability as directed in writing by the Master
Servicer. Upon the closing of the transactions contemplated by such documents,
the Master Servicer shall cause the originals or true and correct copies of the
assumption agreement, the release (if any), or the modification or supplement to
the Mortgage Note or Mortgage to be delivered to the Trustee or the Custodian
and deposited with the Mortgage File for such Mortgage Loan. Any fee collected
by the Master Servicer or such related Subservicer for entering into an
assumption or substitution of liability agreement will be retained by the
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Master Servicer or such Subservicer as additional servicing compensation.
(c) The Master Servicer or the related Subservicer, as the case may be,
shall be entitled to approve a request from a Mortgagor for a partial release of
the related Mortgaged Property, the granting of an easement thereon in favor of
another Person, any alteration or demolition of the related Mortgaged Property
(or, with respect to a Cooperative Loan, the related Cooperative Apartment) or
other similar matters if it has determined, exercising its good faith business
judgment in the same manner as it would if it were the owner of the related
Mortgage Loan, that the security for, and the timely and full collectability of,
such Mortgage Loan would not be adversely affected thereby and that the Trust
Fund would not fail to continue to qualify as a REMIC under the Code as a result
thereof and (subject to Section 10.01(f)) that no tax on "prohibited
transactions" or "contributions" after the startup day would be imposed on the
REMIC as a result thereof. Any fee collected by the Master Servicer or the
related Subservicer for processing such a request will be retained by the Master
Servicer or such Subservicer as additional servicing compensation.
(d) Subject to any other applicable terms and conditions of this
Agreement, the Trustee and Master Servicer shall be entitled to approve an
assignment in lieu of satisfaction with respect to any Mortgage Loan, provided
the obligee with respect to such Mortgage Loan following such proposed
assignment provides the Trustee and Master Servicer with a "Lender Certification
for Assignment of Mortgage Loan" in the form attached hereto as Exhibit O, in
form and substance satisfactory to the Trustee and Master Servicer, providing
the following: (i) that the Mortgage Loan is secured by Mortgaged Property
located in a jurisdiction in which an assignment in lieu of satisfaction is
required to preserve lien priority, minimize or avoid mortgage recording taxes
or otherwise comply with, or facilitate a refinancing under, the laws of such
jurisdiction; (ii) that the substance of the assignment is, and is intended to
be, a refinancing of such Mortgage Loan and that the form of the transaction is
solely to comply with, or facilitate the transaction under, such local laws;
(iii) that the Mortgage Loan following the proposed assignment will have a rate
of interest at least 0.25 percent below or above the rate of interest on such
Mortgage Loan prior to such proposed assignment; and (iv) that such assignment
is at the request of the borrower under the related Mortgage Loan. Upon approval
of an assignment in lieu of satisfaction with respect to any Mortgage Loan, the
Master Servicer shall receive cash in an amount equal to the unpaid principal
balance of and accrued interest on such Mortgage Loan and the Master Servicer
shall treat such amount as a Principal Prepayment in Full with respect to such
Mortgage Loan for all purposes hereof.
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Section 3.14. Realization Upon Defaulted Mortgage Loans.
(a) The Master Servicer shall foreclose upon or otherwise comparably
convert (which may include an REO Acquisition) the ownership of properties
securing such of the Mortgage Loans as come into and continue in default and as
to which no satisfactory arrangements can be made for collection of delinquent
payments pursuant to Section 3.07. In connection with such foreclosure or other
conversion, the Master Servicer shall, consistent with Section 3.11, follow such
practices and procedures as it shall deem necessary or advisable, as shall be
normal and usual in its general mortgage servicing activities and as shall be
required or permitted by the Program Guide; provided that the Master Servicer
shall not be liable in any respect hereunder if the Master Servicer is acting in
connection with any such foreclosure or other conversion in a manner that is
consistent with the provisions of this Agreement. The Master Servicer, however,
shall not be required to expend its own funds or incur other reimbursable
charges in connection with any foreclosure, or attempted foreclosure which is
not completed, or towards the restoration of any property unless it shall
determine (i) that such restoration and/or foreclosure will increase the
proceeds of liquidation of the Mortgage Loan to Holders of Certificates of one
or more Classes after reimbursement to itself for such expenses or charges and
(ii) that such expenses or charges will be recoverable to it through Liquidation
Proceeds, Insurance Proceeds, or REO Proceeds (respecting which it shall have
priority for purposes of withdrawals from the Custodial Account pursuant to
Section 3.10, whether or not such expenses and charges are actually recoverable
from related Liquidation Proceeds, Insurance Proceeds or REO Proceeds). In the
event of such a determination by the Master Servicer pursuant to this Section
3.14(a), the Master Servicer shall be entitled to reimbursement of such amounts
pursuant to Section 3.10. In addition to the foregoing, the Master Servicer
shall use its best reasonable efforts to realize upon any Additional Collateral
for such of the Additional Collateral Loans as come into and continue in default
and as to which no satisfactory arrangements can be made for collection of
delinquent payments pursuant to Section 3.07; provided that the Master Servicer
shall not, on behalf of the Trustee, obtain title to any such Additional
Collateral as a result of or in lieu of the disposition thereof or otherwise;
and provided further that (i) the Master Servicer shall not proceed with respect
to such Additional Collateral in any manner that would impair the ability to
recover against the related Mortgaged Property, and (ii) the Master Servicer
shall proceed with any REO Acquisition in a manner that preserves the ability to
apply the proceeds of such Additional Collateral against amounts owed under the
defaulted Mortgage Loan. Any proceeds realized from such Additional Collateral
(other than amounts to be released to the Mortgagor or the related guarantor in
accordance with procedures that the Master Servicer would follow in servicing
loans held for its own account, subject to the terms and conditions of the
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related Mortgage and Mortgage Note and to the terms and conditions of any
security agreement, guarantee agreement, mortgage or other agreement governing
the disposition of the proceeds of such Additional Collateral) shall be
deposited in the Custodial Account, subject to withdrawal pursuant to Section
3.10. Any other payment received by the Master Servicer in respect of such
Additional Collateral shall be deposited in the Custodial Account subject to
withdrawal pursuant to Section 3.10. Concurrently with the foregoing, the Master
Servicer may pursue any remedies that may be available in connection with a
breach of a representation and warranty with respect to any such Mortgage Loan
in accordance with Sections 2.03 and 2.04. However, the Master Servicer is not
required to continue to pursue both foreclosure (or similar remedies) with
respect to the Mortgage Loans and remedies in connection with a breach of a
representation and warranty if the Master Servicer determines in its reasonable
discretion that one such remedy is more likely to result in a greater recovery
as to the Mortgage Loan. Upon the occurrence of a Cash Liquidation or REO
Disposition, following the deposit in the Custodial Account of all Insurance
Proceeds, Liquidation Proceeds and other payments and recoveries referred to in
the definition of "Cash Liquidation" or "REO Disposition," as applicable, upon
receipt by the Trustee of written notification of such deposit signed by a
Servicing Officer, the Trustee or any Custodian, as the case may be, shall
release to the Master Servicer the related Mortgage File and the Trustee shall
execute and deliver such instruments of transfer or assignment prepared by the
Master Servicer, in each case without recourse, as shall be necessary to vest in
the Master Servicer or its designee, as the case may be, the related Mortgage
Loan, and thereafter such Mortgage Loan shall not be part of the Trust Fund.
Notwithstanding the foregoing or any other provision of this Agreement, in the
Master Servicer's sole discretion with respect to any defaulted Mortgage Loan or
REO Property as to either of the following provisions, (i) a Cash Liquidation or
REO Disposition may be deemed to have occurred if substantially all amounts
expected by the Master Servicer to be received in connection with the related
defaulted Mortgage Loan or REO Property have been received, and (ii) for
purposes of determining the amount of any Liquidation Proceeds, Insurance
Proceeds, REO Proceeds or any other unscheduled collections or the amount of any
Realized Loss, the Master Servicer may take into account minimal amounts of
additional receipts expected to be received or any estimated additional
liquidation expenses expected to be incurred in connection with the related
defaulted Mortgage Loan or REO Property.
(b) In the event that title to any Mortgaged Property is acquired by
the Trust Fund as an REO Property by foreclosure or by deed in lieu of
foreclosure, the deed or certificate of sale shall be issued to the Trustee or
to its nominee on behalf of Certificateholders. Notwithstanding any such
acquisition of title and cancellation of the related Mortgage Loan, such REO
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Property shall (except as otherwise expressly provided herein) be considered to
be an Outstanding Mortgage Loan held in the Trust Fund until such time as the
REO Property shall be sold. Consistent with the foregoing for purposes of all
calculations hereunder so long as such REO Property shall be considered to be an
Outstanding Mortgage Loan it shall be assumed that, notwithstanding that the
indebtedness evidenced by the related Mortgage Note shall have been discharged,
such Mortgage Note and the related amortization schedule in effect at the time
of any such acquisition of title (after giving effect to any previous
Curtailments and before any adjustment thereto by reason of any bankruptcy or
similar proceeding or any moratorium or similar waiver or grace period) remain
in effect.
(c) In the event that the Trust Fund acquires any REO Property as
aforesaid or otherwise in connection with a default or imminent default on a
Mortgage Loan, the Master Servicer on behalf of the Trust Fund shall dispose of
such REO Property within two years after its acquisition by the Trust Fund for
purposes of Section 860G(a)(8) of the Code or, at the expense of the Trust Fund,
request, more than 60 days before the day on which the two-year grace period
would otherwise expire, an extension of the two-year grace period unless the
Master Servicer (subject to Section 10.01(f)) obtains for the Trustee an Opinion
of Counsel, addressed to the Trustee and the Master Servicer, to the effect that
the holding by the Trust Fund of such REO Property subsequent to such two-year
period will not result in the imposition of taxes on "prohibited transactions"
as defined in Section 860F of the Code or cause the Trust Fund to fail to
qualify as a REMIC at any time that any Certificates are outstanding, in which
case the Trust Fund may continue to hold such REO Property (subject to any
conditions contained in such Opinion of Counsel). The Master Servicer shall be
entitled to be reimbursed from the Custodial Account for any costs incurred in
obtaining such Opinion of Counsel, as provided in Section 3.10. Notwithstanding
any other provision of this Agreement, no REO Property acquired by the Trust
Fund shall be rented (or allowed to continue to be rented) or otherwise used by
or on behalf of the Trust Fund in such a manner or pursuant to any terms that
would (i) cause such REO Property to fail to qualify as "foreclosure property"
within the meaning of Section 860G(a)(8) of the Code or (ii) subject the Trust
Fund to the imposition of any federal income taxes on the income earned from
such REO Property, including any taxes imposed by reason of Section 860G(c) of
the Code, unless the Master Servicer has agreed to indemnify and hold harmless
the Trust Fund with respect to the imposition of any such taxes.
(d) The proceeds of any Cash Liquidation, REO Disposition or purchase
or repurchase of any Mortgage Loan pursuant to the terms of this Agreement, as
well as any recovery resulting from a collection of Liquidation Proceeds,
Insurance Proceeds or REO Proceeds, will be applied in the following order of
priority:
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first, to reimburse the Master Servicer or the related Subservicer in accordance
with Section 3.10(a)(ii); second, to the Certificateholders to the extent of
accrued and unpaid interest on the Mortgage Loan, and any related REO Imputed
Interest, at the Net Mortgage Rate to the Due Date prior to the Distribution
Date on which such amounts are to be distributed; third, to the
Certificateholders as a recovery of principal on the Mortgage Loan (or REO
Property)(provided that if any such Class of Certificates to which such Realized
Loss was allocated is no longer outstanding, such subsequent recovery shall be
distributed to the persons who were the Holders of such Class of Certificates
when it was retired); fourth, to all Servicing Fees and Subservicing Fees
payable therefrom (and the Master Servicer and the Subservicer shall have no
claims for any deficiencies with respect to such fees which result from the
foregoing allocation); and fifth, to Foreclosure Profits.
(e) In the event of a default on a Mortgage Loan one or more of whose
obligors is not a United States Person, in connection with any foreclosure or
acquisition of a deed in lieu of foreclosure (together, "foreclosure") in
respect of such Mortgage Loan, the Master Servicer will cause compliance with
the provisions of Treasury Regulation Section 1.1445-2(d)(3) (or any successor
thereto) necessary to assure that no withholding tax obligation arises with
respect to the proceeds of such foreclosure except to the extent, if any, that
proceeds of such foreclosure are required to be remitted to the obligors on such
Mortgage Loan.
Section 3.15. Trustee to Cooperate;
Release of Mortgage Files.
(a) Upon becoming aware of the payment in full of any Mortgage Loan, or
upon the receipt by the Master Servicer of a notification that payment in full
will be escrowed in a manner customary for such purposes, the Master Servicer
will immediately notify the Trustee (if it holds the related Mortgage File) or
the Custodian by a certification of a Servicing Officer (which certification
shall include a statement to the effect that all amounts received or to be
received in connection with such payment which are required to be deposited in
the Custodial Account pursuant to Section 3.07 have been or will be so
deposited), substantially in one of the forms attached hereto as Exhibit H
requesting delivery to it of the Mortgage File. Upon receipt of such
certification and request, the Trustee shall promptly release, or cause the
Custodian to release, the related Mortgage File to the Master Servicer. The
Master Servicer is authorized to execute and deliver to the Mortgagor the
request for reconveyance, deed of reconveyance or release or satisfaction of
mortgage or such instrument releasing the lien of the Mortgage, together with
the Mortgage Note with, as appropriate, written evidence of cancellation
thereon. No expenses incurred in connection with any instrument of satisfaction
or deed of
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reconveyance shall be chargeable to the Custodial Account or the
Certificate Account.
(b) From time to time as is appropriate for the servicing or
foreclosure of any Mortgage Loan, the Master Servicer shall deliver to the
Custodian, with a copy to the Trustee, a certificate of a Servicing Officer
substantially in one of the forms attached as Exhibit H hereto, requesting that
possession of all, or any document constituting part of, the Mortgage File be
released to the Master Servicer and certifying as to the reason for such release
and that such release will not invalidate any insurance coverage provided in
respect of the Mortgage Loan under any Required Insurance Policy. Upon receipt
of the foregoing, the Trustee shall deliver, or cause the Custodian to deliver,
the Mortgage File or any document therein to the Master Servicer. The Master
Servicer shall cause each Mortgage File or any document therein so released to
be returned to the Trustee, or the Custodian as agent for the Trustee when the
need therefor by the Master Servicer no longer exists, unless (i) the Mortgage
Loan has been liquidated and the Liquidation Proceeds relating to the Mortgage
Loan have been deposited in the Custodial Account or (ii) the Mortgage File or
such document has been delivered directly or through a Subservicer to an
attorney, or to a public trustee or other public official as required by law,
for purposes of initiating or pursuing legal action or other proceedings for the
foreclosure of the Mortgaged Property either judicially or non-judicially, and
the Master Servicer has delivered directly or through a Subservicer to the
Trustee a certificate of a Servicing Officer certifying as to the name and
address of the Person to which such Mortgage File or such document was delivered
and the purpose or purposes of such delivery. In the event of the liquidation of
a Mortgage Loan, the Trustee shall deliver the Request for Release with respect
thereto to the Master Servicer upon deposit of the related Liquidation Proceeds
in the Custodial Account.
(c) The Trustee or the Master Servicer on the Trustee's behalf shall
execute and deliver to the Master Servicer, if necessary, any court pleadings,
requests for trustee's sale or other documents necessary to the foreclosure or
trustee's sale in respect of a Mortgaged Property or to any legal action brought
to obtain judgment against any Mortgagor on the Mortgage Note or Mortgage or to
obtain a deficiency judgment, or to enforce any other remedies or rights
provided by the Mortgage Note or Mortgage or otherwise available at law or in
equity. Together with such documents or pleadings (if signed by the Trustee),
the Master Servicer shall deliver to the Trustee a certificate of a Servicing
Officer requesting that such pleadings or documents be executed by the Trustee
and certifying as to the reason such documents or pleadings are required and
that the execution and delivery thereof by the Trustee will not invalidate any
insurance coverage under any Required Insurance Policy or invalidate or
otherwise affect the lien of the Mortgage, except for the
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termination of such a lien upon completion of the foreclosure or
trustee's sale.
Section 3.16. Servicing and Other Compensation;
Compensating Interest.
(a) The Master Servicer, as compensation for its activities hereunder,
shall be entitled to receive on each Distribution Date the amounts provided for
by clauses (iii), (iv), (v) and (vi) of Section 3.10(a), subject to clause (e)
below. The amount of servicing compensation provided for in such clauses shall
be accounted for on a Mortgage Loan-by-Mortgage Loan basis. In the event that
Liquidation Proceeds, Insurance Proceeds and REO Proceeds (net of amounts
reimbursable therefrom pursuant to Section 3.10(a)(ii)) in respect of a Cash
Liquidation or REO Disposition exceed the unpaid principal balance of such
Mortgage Loan plus unpaid interest accrued thereon (including REO Imputed
Interest) at a per annum rate equal to the related Net Mortgage Rate, the Master
Servicer shall be entitled to retain therefrom and to pay to itself and/or the
related Subservicer, any Foreclosure Profits and any Servicing Fee or
Subservicing Fee considered to be accrued but unpaid.
(b) Additional servicing compensation in the form of prepayment
charges, assumption fees, late payment charges, investment income on amounts in
the Custodial Account or the Certificate Account or otherwise shall be retained
by the Master Servicer or the Subservicer to the extent provided herein, subject
to clause (e) below.
(c) The Master Servicer shall be required to pay, or cause to be paid,
all expenses incurred by it in connection with its servicing activities
hereunder (including payment of premiums for the Primary Insurance Policies, if
any, to the extent such premiums are not required to be paid by the related
Mortgagors, and the fees and expenses of the Trustee and any Custodian) and
shall not be entitled to reimbursement therefor except as specifically provided
in Sections 3.10 and 3.14.
(d) The Master Servicer's right to receive servicing compensation may
not be transferred in whole or in part except in connection with the transfer of
all of its responsibilities and obligations of the Master Servicer under this
Agreement.
(e) Notwithstanding any other provision herein, the amount of servicing
compensation that the Master Servicer shall be entitled to receive for its
activities hereunder for the period ending on each Distribution Date shall be
reduced (but not below zero) by an amount equal to Compensating Interest (if
any) for such Distribution Date. Such reduction shall be applied during such
period as follows: first, to any Servicing Fee or Subservicing Fee to which the
Master Servicer is entitled pursuant to Section 3.10(a)(iii); second, to any
income or gain
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realized from any investment of funds held in the Custodial Account or the
Certificate Account to which the Master Servicer is entitled pursuant to
Sections 3.07(c) or 4.01(b), respectively; and third, to any amounts of
servicing compensation to which the Master Servicer is entitled pursuant to
Section 3.10(a)(v) or (vi). In making such reduction, the Master Servicer (i)
will not withdraw from the Custodial Account any such amount representing all or
a portion of the Servicing Fee to which it is entitled pursuant to Section
3.10(a)(iii); (ii) will not withdraw from the Custodial Account or Certificate
Account any such amount to which it is entitled pursuant to Section 3.07(c) or
4.01(b) and (iii) will not withdraw from the Custodial Account any such amount
of servicing compensation to which it is entitled pursuant to Section 3.10(a)(v)
or (vi).
Section 3.17. Reports to the Trustee and the Company.
Not later than fifteen days after each Distribution Date, the Master
Servicer shall forward to the Trustee and the Company a statement, certified by
a Servicing Officer, setting forth the status of the Custodial Account as of the
close of business on such Distribution Date as it relates to the Mortgage Loans
and showing, for the period covered by such statement, the aggregate of deposits
in or withdrawals from the Custodial Account in respect of the Mortgage Loans
for each category of deposit specified in Section 3.07 and each category of
withdrawal specified in Section 3.10.
Section 3.18. Annual Statement as to Compliance.
The Master Servicer will deliver to the Company and the Trustee on or
before March 31 of each year, beginning with the first March 31 that occurs at
least six months after the Cut-off Date, an Officers' Certificate stating, as to
each signer thereof, that (i) a review of the activities of the Master Servicer
during the preceding calendar year related to its servicing of mortgage loans
and its performance under pooling and servicing agreements, including this
Agreement, has been made under such officers' supervision, (ii) to the best of
such officers' knowledge, based on such review, the Master Servicer has complied
in all material respects with the minimum servicing standards set forth in the
Uniform Single Attestation Program for Mortgage Bankers and has fulfilled all of
its material obligations relating to this Agreement in all material respects
throughout such year, or, if there has been material noncompliance with such
servicing standards or a default in the fulfillment in all material respects of
any such obligation relating to this Agreement, such statement shall include a
description of such noncompliance or specify each such default, as the case may
be, known to such officer and the nature and status thereof and (iii) to the
best of such officers' knowledge, each Subservicer has complied in all material
respects with the minimum servicing standards set forth in the Uniform Single
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Attestation Program for Mortgage Bankers and has fulfilled all of its material
obligations under its Subservicing Agreement in all material respects throughout
such year, or, if there has been material noncompliance with such servicing
standards or a material default in the fulfillment of such obligations relating
to this Agreement, such statement shall include a description of such
noncompliance or specify each such default, as the case may be, known to such
officer and the nature and status thereof.
Section 3.19. Annual Independent Public Accountants'
Servicing Report.
On or before March 31 of each year, beginning with the first March 31
that occurs at least six months after the Cut-off Date, the Master Servicer at
its expense shall cause a firm of independent public accountants, which shall be
members of the American Institute of Certified Public Accountants, to furnish a
report to the Company and the Trustee stating its opinion that, on the basis of
an examination conducted by such firm substantially in accordance with standards
established by the American Institute of Certified Public Accountants, the
assertions made pursuant to Section 3.18 regarding compliance with the minimum
servicing standards set forth in the Uniform Single Attestation Program for
Mortgage Bankers during the preceding calendar year are fairly stated in all
material respects, subject to such exceptions and other qualifications that, in
the opinion of such firm, such accounting standards require it to report. In
rendering such statement, such firm may rely, as to matters relating to the
direct servicing of mortgage loans by Subservicers, upon comparable statements
for examinations conducted by independent public accountants substantially in
accordance with standards established by the American Institute of Certified
Public Accountants (rendered within one year of such statement) with respect to
such Subservicers.
Section 3.20. Rights of the Company in Respect
of the Master Servicer.
The Master Servicer shall afford the Company, upon reasonable notice,
during normal business hours access to all records maintained by the Master
Servicer in respect of its rights and obligations hereunder and access to
officers of the Master Servicer responsible for such obligations. Upon request,
the Master Servicer shall furnish the Company with its most recent financial
statements and such other information as the Master Servicer possesses regarding
its business, affairs, property and condition, financial or otherwise. The
Master Servicer shall also cooperate with all reasonable requests for
information including, but not limited to, notices, tapes and copies of files,
regarding itself, the Mortgage Loans or the Certificates from any Person or
Persons identified by the Company or Residential Funding. The Company may, but
is not obligated
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to, enforce the obligations of the Master Servicer hereunder and may, but is not
obligated to, perform, or cause a designee to perform, any defaulted obligation
of the Master Servicer hereunder or exercise the rights of the Master Servicer
hereunder; provided that the Master Servicer shall not be relieved of any of its
obligations hereunder by virtue of such performance by the Company or its
designee. The Company shall not have any responsibility or liability for any
action or failure to act by the Master Servicer and is not obligated to
supervise the performance of the Master Servicer under this Agreement or
otherwise.
Section 3.21. Administration of Buydown Funds.
(a) With respect to any Buydown Mortgage Loan, the Subservicer has
deposited Buydown Funds in an account that satisfies the requirements for a
Subservicing Account (the "Buydown Account"). The Master Servicer shall cause
the Subservicing Agreement to require that upon receipt from the Mortgagor of
the amount due on a Due Date for each Buydown Mortgage Loan, the Subservicer
will withdraw from the Buydown Account the predetermined amount that, when added
to the amount due on such date from the Mortgagor, equals the full Monthly
Payment and transmit that amount in accordance with the terms of the
Subservicing Agreement to the Master Servicer together with the related payment
made by the Mortgagor or advanced by the Subservicer.
(b) If the Mortgagor on a Buydown Mortgage Loan prepays such loan in
its entirety during the period (the "Buydown Period") when Buydown Funds are
required to be applied to such Buydown Mortgage Loan, the Subservicer shall be
required to withdraw from the Buydown Account and remit any Buydown Funds
remaining in the Buydown Account in accordance with the related buydown
agreement. The amount of Buydown Funds which may be remitted in accordance with
the related buydown agreement may reduce the amount required to be paid by the
Mortgagor to fully prepay the related Mortgage Loan. If the Mortgagor on a
Buydown Mortgage Loan defaults on such Mortgage Loan during the Buydown Period
and the property securing such Buydown Mortgage Loan is sold in the liquidation
thereof (either by the Master Servicer or the insurer under any related Primary
Insurance Policy), the Subservicer shall be required to withdraw from the
Buydown Account the Buydown Funds for such Buydown Mortgage Loan still held in
the Buydown Account and remit the same to the Master Servicer in accordance with
the terms of the Subservicing Agreement for deposit in the Custodial Account or,
if instructed by the Master Servicer, pay to the insurer under any related
Primary Insurance Policy if the Mortgaged Property is transferred to such
insurer and such insurer pays all of the loss incurred in respect of such
default. Any amount so remitted pursuant to the preceding sentence will be
deemed to reduce the amount owed on the Mortgage Loan.
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ARTICLE IV
PAYMENTS TO CERTIFICATEHOLDERS
Section 4.01. Certificate Account.
(a) The Master Servicer on behalf of the Trustee shall establish and
maintain a Certificate Account in which the Master Servicer shall cause to be
deposited on behalf of the Trustee on or before 2:00 P.M. New York time on each
Certificate Account Deposit Date by wire transfer of immediately available funds
an amount equal to the sum of (i) any Advance for the immediately succeeding
Distribution Date, (ii) any amount required to be deposited in the Certificate
Account pursuant to Section 3.12(a), (iii) any amount required to be deposited
in the Certificate Account pursuant to Section 3.16(e) or Section 4.07, (iv) any
amount required to be paid pursuant to Section 9.01 and (v) all other amounts
constituting the Available Distribution Amount for the immediately succeeding
Distribution Date.
(b) The Trustee shall, upon written request from the Master Servicer,
invest or cause the institution maintaining the Certificate Account to invest
the funds in the Certificate Account in Permitted Investments designated in the
name of the Trustee for the benefit of the Certificateholders, which shall
mature not later than the Business Day next preceding the Distribution Date next
following the date of such investment (except that (i) any investment in the
institution with which the Certificate Account is maintained may mature on such
Distribution Date and (ii) any other investment may mature on such Distribution
Date if the Trustee shall advance funds on such Distribution Date to the
Certificate Account in the amount payable on such investment on such
Distribution Date, pending receipt thereof to the extent necessary to make
distributions on the Certificates) and shall not be sold or disposed of prior to
maturity. Subject to Section 3.16(e), all income and gain realized from any such
investment shall be for the benefit of the Master Servicer and shall be subject
to its withdrawal or order from time to time. The amount of any losses incurred
in respect of any such investments shall be deposited in the Certificate Account
by the Master Servicer out of its own funds immediately as realized without any
right of reimbursement.
Section 4.02. Distributions.
(a) On each Distribution Date (x) the Master Servicer on behalf of the
Trustee or (y) the Paying Agent appointed by the Trustee, shall distribute to
the Master Servicer, in the case of a distribution pursuant to Section
4.02(a)(iii), the amount required to be distributed to the Master Servicer or a
Subservicer pursuant to Section 4.02(a)(iii), and to each Certificateholder of
record on the next preceding Record Date (other than as provided in Section 9.01
respecting the final
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distribution) either in immediately available funds (by wire transfer or
otherwise) to the account of such Certificateholder at a bank or other entity
having appropriate facilities therefor, if such Certificateholder has so
notified the Master Servicer or the Paying Agent, as the case may be, or, if
such Certificateholder has not so notified the Master Servicer or the Paying
Agent by the Record Date, by check mailed to such Certificateholder at the
address of such Holder appearing in the Certificate Register such
Certificateholder's share (which share (A) with respect to each Class of
Certificates (other than any Subclass of the Class A-7 Certificates), shall be
based on the aggregate of the Percentage Interests represented by Certificates
of the applicable Class held by such Holder or (B) with respect to the Class A-7
Certificates, shall be equal to the amount (if any) distributed pursuant to
Section 4.02(a)(i) below to each Holder of a Subclass thereof) of the following
amounts, in the following order of priority (subject to the provisions of
Section 4.02(b)), in each case to the extent of the Available Distribution
Amount:
(i) to the Class A Certificateholders (other than the Class
A-6 Certificateholders) and Class R Certificateholders, on a pro rata
basis based on Accrued Certificate Interest payable on such
Certificates with respect to such Distribution Date, Accrued
Certificate Interest on such Classes of Certificates (or Subclass, if
any, with respect to the Class A-7 Certificates) for such Distribution
Date, plus any Accrued Certificate Interest thereon remaining unpaid
from any previous Distribution Date except as provided in the last
paragraph of this Section 4.02(a); and
(ii) (X) to the Class A-6 Certificateholders, the
Class A-6 Principal Distribution Amount; and
(Y) to the Class A Certificateholders (other
than the Class A-6 Certificateholders) and Class R Certificateholders,
in the priorities and amounts set forth in Section 4.02(b)(ii) through
(iv) and Section 4.02(c), the sum of the following (applied to reduce
the Certificate Principal Balances of such Class A Certificates or
Class R Certificates, as applicable):
(A) the Senior Percentage for such Distribution Date
times the sum of the following:
(1) the principal portion of each Monthly
Payment due during the related Due Period on each
Outstanding Mortgage Loan (other than the related
Discount Fraction of the principal portion of such
payment with respect to a Discount Mortgage Loan),
whether or not received on or prior to the related
Determination Date, minus the principal
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portion of any Debt Service Reduction (other than
the related Discount Fraction of the principal
portion of such Debt Service Reductions with respect
to each Discount Mortgage Loan) which together with
other Bankruptcy Losses exceeds the Bankruptcy
Amount;
(2) the Stated Principal Balance of any
Mortgage Loan repurchased during the related
Prepayment Period (or deemed to have been so
repurchased in accordance with Section 3.07(b))
pursuant to Section 2.02, 2.03, 2.04 or 4.07 and the
amount of any shortfall deposited in the Custodial
Account in connection with the substitution of a
Deleted Mortgage Loan pursuant to Section 2.03 or
2.04 during the related Prepayment Period (other
than the related Discount Fraction of such Stated
Principal Balance or shortfall with respect to each
Discount Mortgage Loan); and
(3) the principal portion of all other
unscheduled collections (other than Principal
Prepayments in Full and Curtailments and amounts
received in connection with a Cash Liquidation or
REO Disposition of a Mortgage Loan described in
Section 4.02(a)(ii)(Y)(B), including without
limitation Insurance Proceeds, Liquidation Proceeds
and REO Proceeds) received during the related
Prepayment Period (or deemed to have been so
received in accordance with Section 3.07(b)) to the
extent applied by the Master Servicer as recoveries
of principal of the related Mortgage Loan pursuant
to Section 3.14 (other than the related Discount
Fraction of the principal portion of such
unscheduled collections, with respect to each
Discount Mortgage Loan);
(B) with respect to each Mortgage Loan for which a
Cash Liquidation or a REO Disposition occurred during the
related Prepayment Period (or was deemed to have occurred
during such period in accordance with Section 3.07(b)) and
did not result in any Excess Special Hazard Losses, Excess
Fraud Losses, Excess Bankruptcy Losses or Extraordinary
Losses, an amount equal to the lesser of (a) the Senior
Percentage for such Distribution Date times the Stated
Principal Balance of such Mortgage Loan (other than the
related Discount Fraction of such Stated Principal Balance,
with respect to each Discount Mortgage Loan) and (b) the
Senior Accelerated Distribution Percentage for such
Distribution Date times the related unscheduled collections
(including
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without limitation Insurance Proceeds, Liquidation Proceeds
and REO Proceeds) to the extent applied by the Master
Servicer as recoveries of principal of the related Mortgage
Loan pursuant to Section 3.14 (in each case other than the
portion of such unscheduled collections, with respect to a
Discount Mortgage Loan, included in Section 4.02(b)(i)(C));
(C) the Senior Accelerated Distribution Percentage
for such Distribution Date times the aggregate of all
Principal Prepayments in Full and Curtailments received in
the related Prepayment Period (other than the related
Discount Fraction of such Principal Prepayments in Full and
Curtailments, with respect to each Discount Mortgage Loan);
(D) any Excess Subordinate Principal Amount for
such Distribution Date; and
(E) any amounts described in subsection (ii)(Y),
clauses (A), (B) and (C) of this Section 4.02(a), as
determined for any previous Distribution Date, which remain
unpaid after application of amounts previously distributed
pursuant to this clause (E) to the extent that such amounts
are not attributable to Realized Losses which have been
allocated to the Class M Certificates or Class B
Certificates;
(iii) if the Certificate Principal Balances of the Class M
Certificates and Class B Certificates have not been reduced to zero, to
the Master Servicer or a Subservicer, by remitting for deposit to the
Custodial Account, to the extent of and in reimbursement for any
Advances or Subservicer Advances previously made with respect to any
Mortgage Loan or REO Property which remain unreimbursed in whole or in
part following the Cash Liquidation or REO Disposition of such Mortgage
Loan or REO Property, minus any such Advances that were made with
respect to delinquencies that ultimately constituted Excess Special
Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses or
Extraordinary Losses;
(iv) to the Holders of the Class M-1 Certificates, the
Accrued Certificate Interest thereon for such Distribution Date, plus
any Accrued Certificate Interest thereon remaining unpaid from any
previous Distribution Date, except as provided below;
(v) to the Holders of the Class M-1 Certificates, an amount
equal to (x) the Subordinate Principal Distribution Amount for such
Class of Certificates for such Distribution Date, minus (y) the amount
of any Class A-6 Collection Shortfalls for such Distribution Date or
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remaining unpaid for all previous Distribution Dates, to the extent the
amounts available pursuant to clause (x) of Sections 4.02(a)(vii),
(ix), (xi), (xiii), (xiv) and (xv) are insufficient therefor, applied
in reduction of the Certificate Principal Balance of the Class M-1
Certificates;
(vi) to the Holders of the Class M-2 Certificates, the
Accrued Certificate Interest thereon for such Distribution Date, plus
any Accrued Certificate Interest thereon remaining unpaid from any
previous Distribution Date, except as provided below;
(vii) to the Holders of the Class M-2 Certificates, an
amount equal to (x) the Subordinate Principal Distribution Amount for
such Class of Certificates for such Distribution Date, minus (y) the
amount of any Class A-6 Collection Shortfalls for such Distribution
Date or remaining unpaid for all previous Distribution Dates, to the
extent the amounts available pursuant to clause (x) of Sections
4.02(a)(ix), (xi), (xiii), (xiv) and (xv) are insufficient therefor,
applied in reduction of the Certificate Principal Balance of the Class
M-2 Certificates;
(viii) to the Holders of the Class M-3 Certificates, the
Accrued Certificate Interest thereon for such Distribution Date, plus
any Accrued Certificate Interest thereon remaining unpaid from any
previous Distribution Date, except as provided below;
(ix) to the Holders of the Class M-3 Certificates, an amount
equal to (x) the Subordinate Principal Distribution Amount for such
Class of Certificates for such Distribution Date minus (y) the amount
of any Class A-6 Collection Shortfalls for such Distribution Date or
remaining unpaid for all previous Distribution Dates, to the extent the
amounts available pursuant to clause (x) of Sections 4.02(a)(xi),
(xiii), (xiv) and (xv) are insufficient therefor, applied in reduction
of the Certificate Principal Balance of the Class M-3 Certificates;
(x) to the Holders of the Class B-1 Certificates, the
Accrued Certificate Interest thereon for such Distribution Date, plus
any Accrued Certificate Interest thereon remaining unpaid from any
previous Distribution Date, except as provided below;
(xi) to the Holders of the Class B-1 Certificates, an amount
equal to (x) the Subordinate Principal Distribution Amount for such
Class of Certificates for such Distribution Date minus (y) the amount
of any Class A-6 Collection Shortfalls for such Distribution Date or
remaining unpaid for all previous Distribution Dates, to the extent the
amounts available pursuant to clause (x) of
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Sections 4.02(a)(xiii), (xiv) and (xv) are insufficient therefor,
applied in reduction of the Certificate Principal Balance of the Class
B-1 Certificates;
(xii) to the Holders of the Class B-2 Certificates, the
Accrued Certificate Interest thereon for such Distribution Date, plus
any Accrued Certificate Interest thereon remaining unpaid from any
previous Distribution Date, except as provided below;
(xiii) to the Holders of the Class B-2 Certificates, an
amount equal to (x) the Subordinate Principal Distribution Amount for
such Class of Certificates for such Distribution Date minus (y) the
amount of any Class A-6 Collection Shortfalls for such Distribution
Date or remaining unpaid for all previous Distribution Dates, to the
extent the amounts available pursuant to clause (x) of Sections
4.02(a)(xiv) and (xv) are insufficient therefor, applied in reduction
of the Certificate Principal Balance of the Class B-2 Certificates;
(xiv) to the Holders of the Class B-3 Certificates, an
amount equal to (x) the Accrued Certificate Interest thereon for such
Distribution Date, plus any Accrued Certificate Interest thereon
remaining unpaid from any previous Distribution Date, except as
provided below, minus (y) the amount of any Class A-6 Collection
Shortfalls for such Distribution Date or remaining unpaid for all
previous Distribution Dates, to the extent the amounts available
pursuant to clause (x) of Section 4.02(a) (xv) are insufficient
therefor;
(xv) to the Holders of the Class B-3 Certificates, an amount
equal to (x) the Subordinate Principal Distribution Amount for such
Class of Certificates for such Distribution Date minus (y) the amount
of any Class A-6 Collection Shortfalls for such Distribution Date or
remaining unpaid for all previous Distribution Dates applied in
reduction of the Certificate Principal Balance of the Class B-3
Certificates;
(xvi) to the Class A Certificateholders and Class R
Certificateholders, in the priority set forth in Section 4.02(b), the
portion, if any, of the Available Distribution Amount remaining after
the foregoing distributions, applied to reduce the Certificate
Principal Balances of such Class A Certificates and Class R
Certificates, but in no event more than the aggregate of the
outstanding Certificate Principal Balances of each such Class of Class
A Certificates and Class R Certificates, and thereafter, to each Class
of Class M Certificates then outstanding beginning with such Class with
the lowest numerical designation, any portion of the Available
Distribution Amount remaining after the Class A
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Certificates and Class R Certificates have been retired, applied to
reduce the Certificate Principal Balance of each such Class of Class M
Certificates, but in no event more than the outstanding Certificate
Principal Balance of each such Class of Class M Certificates; and
thereafter to each such Class of Class B Certificates then outstanding
beginning with such Class with the lowest numerical designation, any
portion of the Available Distribution Amount remaining after the Class
M Certificates have been retired, applied to reduce the Certificate
Principal Balance of each such Class of Class B Certificates, but in no
event more than the outstanding Certificate Principal Balance of each
such Class of Class B Certificates; and
(xvii) to the Class R Certificateholders, the
balance, if any, of the Available Distribution Amount.
Notwithstanding the foregoing, on any Distribution Date, with respect
to the Class of Class B Certificates outstanding on such Distribution Date with
the highest numerical designation, or in the event the Class B Certificates are
no longer outstanding, the Class of Class M Certificates then outstanding with
the highest numerical designation, or in the event the Class B Certificates and
Class M Certificates are no longer outstanding, the Class A and Class R
Certificates, Accrued Certificate Interest thereon remaining unpaid remaining
unpaid from any previous Distribution Date will be distributable only to the
extent that such unpaid Accrued Certificate Interest was attributable to
interest shortfalls relating to Nonrecoverable Advances as determined by the
Master Servicer with respect to the related Mortgage Loan where such Mortgage
Loan has not yet been the subject of a Cash Liquidation or REO Disposition.
(b) Distributions of principal on the Class A Certificates and Class R
Certificates on each Distribution Date occurring prior to the occurrence of the
Credit Support Depletion Date will be made as follows:
(i) first, to the Class A-6 Certificates, until the
Certificate Principal Balance thereof is reduced to zero, an amount
(the "Class A-6 Principal Distribution Amount") equal to the aggregate
of:
(A) the related Discount Fraction of the principal
portion of each Monthly Payment on each Discount Mortgage
Loan due during the related Due Period, whether or not
received on or prior to the related Determination Date,
minus the Discount Fraction of the principal portion of any
related Debt Service Reduction which together with other
Bankruptcy Losses exceeds the Bankruptcy Amount;
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(B) the related Discount Fraction of the principal
portion of all unscheduled collections on each Discount
Mortgage Loan received during the preceding calendar month
(other than amounts received in connection with a Cash
Liquidation or REO Disposition of a Discount Mortgage Loan
described in clause (C) below), including Principal
Prepayments in Full, Curtailments and repurchases (including
deemed repurchases under Section 3.07(b)) of Discount
Mortgage Loans (or, in the case of a substitution of a
Deleted Mortgage Loan, the Discount Fraction of the amount
of any shortfall deposited in the Custodial Account in
connection with such substitution);
(C) in connection with the Cash Liquidation or REO
Disposition of a Discount Mortgage Loan that did not result
in any Excess Special Hazard Losses, Excess Fraud Losses,
Excess Bankruptcy Losses or Extraordinary Losses, an amount
equal to the lesser of (1) the applicable Discount Fraction
of the Stated Principal Balance of such Discount Mortgage
Loan immediately prior to such Distribution Date and (2) the
aggregate amount of the collections on such Mortgage Loan to
the extent applied as recoveries of principal;
(D) any amounts allocable to principal for any
previous Distribution Date (calculated pursuant to clauses
(A) through (C) above) that remain undistributed; and
(E) the amount of any Class A-6 Collection
Shortfalls for such Distribution Date and the amount of any
Class A-6 Collection Shortfalls remaining unpaid for all
previous Distribution Dates, but only to the extent of the
Eligible Funds for such Distribution Date;
(ii) the Senior Principal Distribution Amount shall be
distributed to the Class R Certificates until the Certificate Principal
Balance thereof has been reduced to zero;
(iii) from the balance, if any, of the Senior Principal
Distribution Amount remaining after the distribution described in
clause 4.02(b)(ii) above, there shall be distributed to the Class A-5
Certificates, in reduction of the Certificate Principal Balance
thereof, an
amount equal to the sum of the following:
(A) the Class A-5 Certificates' pro
rata share (based on the aggregate Certificate
Principal Balance thereof relative to the
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aggregate Certificate Principal Balance of all of
the Certificates (other than the Class A-6
Certificates)) of the aggregate of the collections
described in Sections 4.02(a)(ii)(Y)(A), (B) and (E)
without any application of the Senior Percentage or
the Senior Accelerated Distribution Percentage; and
(B) the Prepayment Lockout
Percentage of the Class A-5 Certificates' pro rata
share (based on the aggregate Certificate Principal
Balance thereof relative to the Certificate
Principal Balance of all of the Certificates (other
than the Class A-6 Certificates)) of the aggregate
of the collections described in Section
4.02(a)(ii)(Y)(C) without any application of the
Senior Accelerated Distribution Percentage;
provided that, if the aggregate of the amounts set forth in
Section 4.02(a)(ii)(Y)(A) through (E) is more than the
balance of the Available Distribution Amount remaining after
the amounts set forth in Sections 4.02(a)(i) and 4.02(b)(i)
have been distributed, the amount paid to the Class A-5
Certificates pursuant to this clause (iii) shall be reduced
by an amount equal to the Class A-5 Certificates' pro rata
share (based on the Certificate Principal Balance thereof
relative to the aggregate Certificate Principal Balance of
the Class A Certificates (other than the Class A-6
Certificates) of such difference; and
(iv) the balance of the Senior Principal Distribution Amount
remaining after the distributions, if any, described in clauses (ii)
and (iii) above shall be distributed as follows:
(A) first, such amount shall be distributed
sequentially to the Class A-1, Class A-2, Class A-3 and
Class A-4 Certificates, in that order, in each case until
the Certificate Principal Balance of each such Class of
Certificates has been reduced to zero;
(B) second, such amount shall be distributed to the
Class A-5 Certificates until the Certificate Principal
Balance thereof has been reduced to zero.
(c) On or after the occurrence of the Credit Support Depletion Date,
all priorities relating to distributions as described in Section 4.02(b) above
in respect of principal among the various classes of Class A Certificates (other
than the Class A-6 Certificates) and Class R Certificates will be disregarded
and an amount equal to the Discount Fraction of the principal
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portion of scheduled or unscheduled payments received or advanced in respect of
Discount Mortgage Loans will be distributed to the Class A-6 Certificates and
the Senior Principal Distribution Amount will be distributed among all classes
of Class A Certificates (other than the Class A-6 Certificates) pro rata in
accordance with their respective outstanding Certificate Principal Balances and
the amount set forth in Section 4.02(a)(i) will be distributed as set forth
therein.
(d) After reduction of the Certificate Principal Balances of the Class
A Certificates (other than the Class A-6 Certificates) and Class R Certificates
to zero but prior to the occurrence of the Credit Support Depletion Date, the
Class A Certificates (other than the Class A-6 Certificates) and Class R
Certificates will be entitled to no further distributions of principal thereon
and the Available Distribution Amount will be paid solely to the holders of the
Class A-6, Class A-7, Class M and Class B Certificates, in each case as
described herein.
(e) In addition to the foregoing distributions, with respect to any
Mortgage Loan that was previously the subject of a Cash Liquidation or an REO
Disposition that resulted in a Realized Loss, in the event that within two years
of the date on which such Realized Loss was determined to have occurred the
Master Servicer receives amounts, which the Master Servicer reasonably believes
to represent subsequent recoveries (net of any related liquidation expenses), or
determines that it holds surplus amounts previously reserved to cover estimated
expenses, specifically related to such Mortgage Loan (including, but not limited
to, recoveries in respect of the representations and warranties made by the
related Seller pursuant to the applicable Seller's Agreement), the Master
Servicer shall distribute such amounts to the applicable Certificateholders of
the Class or Classes to which such Realized Loss was allocated, if applicable,
(with the amounts to be distributed allocated among such Classes in the same
proportions as such Realized Loss was allocated), subject to the following: No
such distribution shall be in an amount that would result in total distributions
on the Certificates of any such Class in excess of the total amounts of
principal and interest that would have been distributable thereon if such Cash
Liquidation or REO Disposition had occurred but had resulted in a Realized Loss
equal to zero. Notwithstanding the foregoing, no such distribution shall be made
with respect to the Certificates of any Class to the extent that either (i) such
Class was protected against the related Realized Loss pursuant to any instrument
or fund established under Section 11.01(e) or (ii) such Class of Certificates
has been deposited into a separate trust fund or other structuring vehicle and
separate certificates or other instruments representing interests therein have
been issued in one or more classes, and any of such separate certificates or
other instruments was protected against the related Realized Loss pursuant to
any limited guaranty, payment obligation, irrevocable letter of credit, surety
bond, insurance
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policy or similar instrument or a reserve fund, or a combination thereof. Any
amount to be so distributed with respect to the Certificates of any Class shall
be distributed by the Master Servicer to the Certificateholders of record as of
the Record Date immediately preceding the date of such distribution (i) with
respect to the Certificates of any Class (other than the Class A-7
Certificates), on a pro rata basis based on the Percentage Interest represented
by each Certificate of such Class as of such Record Date and (ii) with respect
to the Class A-7 Certificates, to the Class A-7 Certificates or any Subclass
thereof in the same proportion as the related Realized Loss was allocated. Any
amounts to be so distributed shall not be remitted to or distributed from the
Trust Fund, and shall constitute subsequent recoveries with respect to Mortgage
Loans that are no longer assets of the Trust Fund.
(f) Each distribution with respect to a Book-Entry Certificate shall be
paid to the Depository, as Holder thereof, and the Depository shall be
responsible for crediting the amount of such distribution to the accounts of its
Depository Participants in accordance with its normal procedures. Each
Depository Participant shall be responsible for disbursing such distribution to
the Certificate Owners that it represents and to each indirect participating
brokerage firm (a "brokerage firm" or "indirect participating firm") for which
it acts as agent. Each brokerage firm shall be responsible for disbursing funds
to the Certificate Owners that it represents. None of the Trustee, the
Certificate Registrar, the Company or the Master Servicer shall have any
responsibility therefor except as otherwise provided by this Agreement or
applicable law.
(g) Except as otherwise provided in Section 9.01, if the Master
Servicer anticipates that a final distribution with respect to any Class of
Certificates will be made on the next Distribution Date, the Master Servicer
shall, no later than the Determination Date in the month of such final
distribution, notify the Trustee and the Trustee shall, no later than two (2)
Business Days after such Determination Date, mail on such date to each Holder of
such Class of Certificates a notice to the effect that: (i) the Trustee
anticipates that the final distribution with respect to such Class of
Certificates will be made on such Distribution Date but only upon presentation
and surrender of such Certificates at the office of the Trustee or as otherwise
specified therein, and (ii) no interest shall accrue on such Certificates from
and after the end of the prior calendar month. In the event that
Certificateholders required to surrender their Certificates pursuant to Section
9.01(c) do not surrender their Certificates for final cancellation, the Trustee
shall cause funds distributable with respect to such Certificates to be
withdrawn from the Certificate Account and credited to a separate escrow account
for the benefit of such Certificateholders as provided in Section 9.01(d).
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Section 4.03. Statements to Certificateholders.
(a) Concurrently with each distribution charged to the Certificate
Account and with respect to each Distribution Date the Master Servicer shall
forward to the Trustee and the Trustee shall forward by mail to each Holder and
the Company a statement setting forth the following information as to each Class
of Certificates to the extent applicable:
(i) (a) the amount of such distribution to the
Certificateholders of such Class applied to reduce the Certificate
Principal Balance thereof, and (b) the aggregate amount included
therein representing Principal Prepayments;
(ii) the amount of such distribution to Holders of such
Class of Certificates allocable to interest;
(iii) if the distribution to the Holders of such Class of
Certificates is less than the full amount that would be distributable
to such Holders if there were sufficient funds available therefor, the
amount of the shortfall;
(iv) the amount of any Advance by the Master Servicer
pursuant to Section 4.04;
(v) the number and Pool Stated Principal Balance
of the Mortgage Loans after giving effect to the
distribution of principal on such Distribution Date;
(vi) the aggregate Certificate Principal Balance of each Class
of Certificates, and each of the Senior, Class M and Class B
Percentages, after giving effect to the amounts distributed on such
Distribution Date, separately identifying any reduction thereof due to
Realized Losses other than pursuant to an actual distribution of
principal;
(vii) the related Subordinate Principal
Distribution Amount and Prepayment Distribution Percentage,
if applicable;
(viii) on the basis of the most recent reports furnished to it
by Subservicers, the number and aggregate principal balances of
Mortgage Loans that are delinquent (A) one month, (B) two months and
(C) three months and the number and aggregate principal balance of
Mortgage Loans that are in foreclosure;
(ix) the number, aggregate principal balance and book
value of any REO Properties;
(x) the aggregate Accrued Certificate Interest
remaining unpaid, if any, for each Class of Certificates,
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after giving effect to the distribution made on such
Distribution Date;
(xi) the Special Hazard Amount, Fraud Loss Amount and
Bankruptcy Amount as of the close of business on such Distribution Date
and a description of any change in the calculation of such amounts;
(xii) the weighted average Pool Strip Rate for such
Distribution Date and the Pass-Through Rate with respect to the Class
A-7 Certificates and each Subclass, if any, thereof;
(xiii) the Class A-7 Notional Amount and each
Subclass Notional Amount;
(xiv) the occurrence of the Credit Support
Depletion Date;
(xv) the Senior Accelerated Distribution
Percentage applicable to such distribution;
(xvi) the Senior Percentage for such Distribution
Date;
(xvii) the aggregate amount of Realized Losses for
such Distribution Date;
(xviii) the aggregate amount of any recoveries on
previously foreclosed loans from Sellers due to a breach of
representation or warranty;
(xix) the weighted average remaining term to
maturity of the Mortgage Loans after giving effect to the
amounts distributed on such Distribution Date; and
(xx) the weighted average Mortgage Rates of the
Mortgage Loans after giving effect to the amounts
distributed on such Distribution Date.
In the case of information furnished pursuant to clauses (i) and (ii) above, the
amounts shall be expressed as a dollar amount per Certificate with a $1,000
denomination. In addition to the statement provided to the Trustee as set forth
in this Section 4.03(a), the Master Servicer shall provide to any manager of a
trust fund consisting of some or all of the Certificates, upon reasonable
request, such additional information as is reasonably obtainable by the Master
Servicer at no additional expense to the Master Servicer.
(b) Within a reasonable period of time after the end of each calendar
year, the Master Servicer shall prepare, or cause to be prepared, and shall
forward, or cause to be forwarded, to
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each Person who at any time during the calendar year was the Holder of a
Certificate, other than a Class R Certificate, a statement containing the
information set forth in clauses (i) and (ii) of subsection (a) above aggregated
for such calendar year or applicable portion thereof during which such Person
was a Certificateholder. Such obligation of the Master Servicer shall be deemed
to have been satisfied to the extent that substantially comparable information
shall be provided by the Master Servicer pursuant to any requirements of the
Code.
(c) Within a reasonable period of time after the end of each calendar
year, the Master Servicer shall prepare, or cause to be prepared, and shall
forward, or cause to be forwarded, to each Person who at any time during the
calendar year was the Holder of a Class R Certificate, a statement containing
the applicable distribution information provided pursuant to this Section 4.03
aggregated for such calendar year or applicable portion thereof during which
such Person was the Holder of a Class R Certificate. Such obligation of the
Master Servicer shall be deemed to have been satisfied to the extent that
substantially comparable information shall be provided by the Master Servicer
pursuant to any requirements of the Code.
(d) Upon the written request of any Certificateholder, the Master
Servicer, as soon as reasonably practicable, shall provide the requesting
Certificateholder with such information as is necessary and appropriate, in the
Master Servicer's sole discretion, for purposes of satisfying applicable
reporting requirements under Rule 144A.
Section 4.04. Distribution of Reports to the Trustee and
the Company; Advances by the Master
Servicer.
(a) Prior to the close of business on the Business Day next succeeding
each Determination Date, the Master Servicer shall furnish a written statement
to the Trustee, any Paying Agent and the Company (the information in such
statement to be made available to Certificateholders by the Master Servicer on
request) setting forth (i) the Available Distribution Amount; and (ii) the
amounts required to be withdrawn from the Custodial Account and deposited into
the Certificate Account on the immediately succeeding Certificate Account
Deposit Date pursuant to clause (iii) of Section 4.01(a). The determination by
the Master Servicer of such amounts shall, in the absence of obvious error, be
presumptively deemed to be correct for all purposes hereunder and the Trustee
shall be protected in relying upon the same without any independent check or
verification.
(b) On or before 2:00 P.M. New York time on each Certificate Account
Deposit Date, the Master Servicer shall either (i) deposit in the Certificate
Account from its own funds, or funds received therefor from the Subservicers, an
amount equal to the Advances to be made by the Master Servicer in respect of
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the related Distribution Date, which shall be in an aggregate amount equal to
the aggregate amount of Monthly Payments (with each interest portion thereof
adjusted to the Net Mortgage Rate), less the amount of any related Debt Service
Reductions or reductions in the amount of interest collectable from the
Mortgagor pursuant to the Soldiers' and Sailors' Civil Relief Act of 1940, as
amended, or similar legislation or regulations then in effect, on the
Outstanding Mortgage Loans as of the related Due Date, which Monthly Payments
were delinquent as of the close of business as of the related Determination
Date; provided that no Advance shall be made if it would be a Nonrecoverable
Advance, (ii) withdraw from amounts on deposit in the Custodial Account and
deposit in the Certificate Account all or a portion of the Amount Held for
Future Distribution in discharge of any such Advance, or (iii) make advances in
the form of any combination of (i) and (ii) aggregating the amount of such
Advance. Any portion of the Amount Held for Future Distribution so used shall be
replaced by the Master Servicer by deposit in the Certificate Account on or
before 11:00 A.M. New York time on any future Certificate Account Deposit Date
to the extent that funds attributable to the Mortgage Loans that are available
in the Custodial Account for deposit in the Certificate Account on such
Certificate Account Deposit Date shall be less than payments to
Certificateholders required to be made on the following Distribution Date. The
Master Servicer shall be entitled to use any Advance made by a Subservicer as
described in Section 3.07(b) that has been deposited in the Custodial Account on
or before such Distribution Date as part of the Advance made by the Master
Servicer pursuant to this Section 4.04. The amount of any reimbursement pursuant
to Section 4.02(a)(iii) in respect of outstanding Advances on any Distribution
Date shall be allocated to specific Monthly Payments due but delinquent for
previous Due Periods, which allocation shall be made, to the extent practicable,
to Monthly Payments which have been delinquent for the longest period of time.
Such allocations shall be conclusive for purposes of reimbursement to the Master
Servicer from recoveries on related Mortgage Loans pursuant to Section 3.10.
The determination by the Master Servicer that it has made a
Nonrecoverable Advance or that any proposed Advance, if made, would constitute a
Nonrecoverable Advance, shall be evidenced by a certificate of a Servicing
Officer delivered to the Seller and the Trustee.
In the event that the Master Servicer determines as of the Business Day
preceding any Certificate Account Deposit Date that it will be unable to deposit
in the Certificate Account an amount equal to the Advance required to be made
for the immediately succeeding Distribution Date, it shall give notice to the
Trustee of its inability to advance (such notice may be given by telecopy), not
later than 3:00 P.M., New York time, on such Business Day, specifying the
portion of such amount that it will be unable to deposit. Not later than 3:00
P.M., New York time,
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on the Certificate Account Deposit Date the Trustee shall, unless by 12:00 Noon,
New York time, on such day the Trustee shall have been notified in writing (by
telecopy) that the Master Servicer shall have directly or indirectly deposited
in the Certificate Account such portion of the amount of the Advance as to which
the Master Servicer shall have given notice pursuant to the preceding sentence,
pursuant to Section 7.01, (a) terminate all of the rights and obligations of the
Master Servicer under this Agreement in accordance with Section 7.01 and (b)
assume the rights and obligations of the Master Servicer hereunder, including
the obligation to deposit in the Certificate Account an amount equal to the
Advance for the immediately succeeding Distribution Date.
The Trustee shall deposit all funds it receives pursuant to this
Section 4.04 into the Certificate Account.
Section 4.05. Allocation of Realized Losses.
Prior to each Distribution Date, the Master Servicer shall determine
the total amount of Realized Losses, if any, that resulted from any Cash
Liquidation, Debt Service Reduction, Deficient Valuation or REO Disposition that
occurred during the related Prepayment Period. The amount of each Realized Loss
shall be evidenced by an Officers' Certificate. All Realized Losses, other than
Excess Special Hazard Losses, Extraordinary Losses, Excess Bankruptcy Losses or
Excess Fraud Losses, shall be allocated as follows: first, to the Class B-3
Certificates until the Certificate Principal Balance thereof has been reduced to
zero; second, to the Class B-2 Certificates until the Certificate Principal
Balance thereof has been reduced to zero; third, to the Class B-1 Certificates
until the Certificate Principal Balance thereof has been reduced to zero;
fourth, to the Class M-3 Certificates until the Certificate Principal Balance
thereof has been reduced to zero; fifth, to the Class M-2 Certificates until the
Certificate Principal Balance thereof has been reduced to zero; sixth, to the
Class M-1 Certificates until the Certificate Principal Balance thereof has been
reduced to zero; and, thereafter, if such Realized Losses are on a Discount
Mortgage Loan, to the Class A-6 Certificates, in an amount equal to the Discount
Fraction of the principal portion thereof, and the remainder of such Realized
Losses and the entire amount of such Realized Losses on Non-Discount Mortgage
Loans among all the Class A Certificates (other than the Class A-6 Certificates)
and Class R Certificates, on a pro rata basis, as described below. The principal
portion of any Excess Special Hazard Losses, Excess Bankruptcy Losses, Excess
Fraud Losses and Extraordinary Losses on Discount Mortgage Loans will be
allocated to the Class A-6 Certificates in an amount equal to the related
Discount Fraction thereof, and the remainder of such losses on Discount Mortgage
Loans and the entire amount of such losses on Non-Discount Mortgage Loans will
be allocated among the Class A Certificates
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(other than the Class A-6 Certificates), Class M, Class B and Class R
Certificates, on a pro rata basis, as described below.
As used herein, an allocation of a Realized Loss on a "pro rata basis"
among two or more specified Classes of Certificates means an allocation on a pro
rata basis, among the various Classes so specified, to each such Class of
Certificates on the basis of their then outstanding Certificate Principal
Balances prior to giving effect to distributions to be made on such Distribution
Date in the case of the principal portion of a Realized Loss or based on the
Accrued Certificate Interest thereon payable on such Distribution Date (without
regard to any Compensating Interest for such Distribution Date) in the case of
an interest portion of a Realized Loss. Except as provided in the following
sentence, any allocation of the principal portion of Realized Losses (other than
Debt Service Reductions) to a Class of Certificates shall be made by reducing
the Certificate Principal Balance thereof by the amount so allocated, which
allocation shall be deemed to have occurred on such Distribution Date. Any
allocation of the principal portion of Realized Losses (other than Debt Service
Reductions) to the Class B Certificates or, after the Certificate Principal
Balances of the Class B Certificates have been reduced to zero, to the Class of
Class M Certificates then outstanding with the highest numerical designation
shall be made by operation of the definition of "Certificate Principal Balance"
and by operation of the provisions of Section 4.02(a). Allocations of the
interest portions of Realized Losses shall be made in proportion to the amount
of Accrued Certificate Interest and by operation of the definition of "Accrued
Certificate Interest" and by operation of the provisions of Section 4.02(a).
Allocations of the principal portion of Debt Service Reductions shall be made by
operation of the provisions of Section 4.02(a). All Realized Losses and all
other losses allocated to a Class of Certificates hereunder will be allocated
among the Certificates of such Class in proportion to the Percentage Interests
evidenced thereby; provided that if any Subclasses of the Class A-7 Certificates
have been issued pursuant to Section 5.01(c), all Realized Losses and other
losses allocated to the Class A-7 Certificates shall be allocated among such
Subclasses in proportion to the respective amounts of Accrued Certificate
Interest payable on such Distribution Date that would have resulted absent such
reductions.
Section 4.06. Reports of Foreclosures and Abandonment
of Mortgaged Property.
The Master Servicer or the Subservicers shall file information returns
with respect to the receipt of mortgage interests received in a trade or
business, the reports of foreclosures and abandonments of any Mortgaged Property
and the information returns relating to cancellation of indebtedness income with
respect to any Mortgaged Property required by Sections 6050H, 6050J and 6050P,
respectively, of the Code, and
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deliver to the Trustee an Officers' Certificate on or before March 31 of each
year stating that such reports have been filed. Such reports shall be in form
and substance sufficient to meet the reporting requirements imposed by Sections
6050H, 6050J and 6050P of the Code.
Section 4.07. Optional Purchase of Defaulted Mortgage
Loans.
As to any Mortgage Loan which is delinquent in payment by 90 days or
more, the Master Servicer may, at its option, purchase such Mortgage Loan from
the Trustee at the Purchase Price therefor. If at any time the Master Servicer
makes a payment to the Certificate Account covering the amount of the Purchase
Price for such a Mortgage Loan, and the Master Servicer provides to the Trustee
a certification signed by a Servicing Officer stating that the amount of such
payment has been deposited in the Certificate Account, then the Trustee shall
execute the assignment of such Mortgage Loan at the request of the Master
Servicer without recourse to the Master Servicer which shall succeed to all the
Trustee's right, title and interest in and to such Mortgage Loan, and all
security and documents relative thereto. Such assignment shall be an assignment
outright and not for security. The Master Servicer will thereupon own such
Mortgage, and all such security and documents, free of any further obligation to
the Trustee or the Certificateholders with respect thereto. Notwithstanding
anything to the contrary in this Section 4.07, the Master Servicer shall
continue to service any such Mortgage Loan after the date of such purchase in
accordance with the terms of this Agreement and, if any Realized Loss with
respect to such Mortgage Loan occurs, allocate such Realized Loss to the Class
or Classes of Certificates that would have borne such Realized Loss in
accordance with the terms hereof as if such Mortgage Loan had not been so
purchased. For purposes of this Agreement, a payment of the Purchase Price by
the Master Servicer pursuant to this Section 4.07 will be viewed as an advance,
and the amount of any Realized Loss shall be recoverable pursuant to the
provisions for the recovery of unreimbursed Advances under Section 4.02(a) or,
to the extent not recoverable under such provisions, as a Nonrecoverable Advance
as set forth herein.
Section 4.08. Surety Bond.
(a) If a Required Surety
Payment is payable pursuant to the Surety Bond with respect to
any Additional Collateral Loan, the Master Servicer shall so notify the Trustee
as soon as reasonably practicable and the Trustee shall promptly complete the
notice in the form of Attachment 1 to the Surety Bond and shall promptly submit
such notice to the Surety as a claim for a Required Surety. The Master Servicer
shall upon request assist the Trustee in completing such notice and shall
provide any information requested by the Trustee in connection therewith.
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(b) Upon receipt of a Required Surety Payment from the Surety on behalf
of the Holders of Certificates, the Trustee shall deposit such Required Surety
Payment in the Certificate Account and shall distribute such Required Surety
Payment, or the proceeds thereof, in accordance with the provisions of Section
4.02.
(c) The Trustee shall (i) receive as attorney-in-fact of each Holder of
a Certificate any Required Surety Payment from the Surety and (ii) disburse the
same to the Holders of such Certificates as set forth in Section 4.02.
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ARTICLE V
THE CERTIFICATES
Section 5.01. The Certificates.
(a) The Class A, Class M, Class B and Class R Certificates,
respectively, shall be substantially in the forms set forth in Exhibits A, B, C
and D and shall, on original issue, be executed and delivered by the Trustee to
the Certificate Registrar for authentication and delivery to or upon the order
of the Company upon receipt by the Trustee or one or more Custodians of the
documents specified in Section 2.01. The Certificates, other than the Class R
Certificates and Class A-7 Certificates, shall be issuable in minimum dollar
denominations of $25,000 (or $250,000 in the case of the Class M-2, Class M-3,
Class B-1, Class B-2 and Class B-3 Certificates) and integral multiples of $1
(in the case of the Class A Certificates, other than the Class A-6 Certificates)
and $1,000 (in the case of the Class A-6, Class M and Class B Certificates) in
excess thereof, except that one Certificate of each of the Class A-6, Class M-1,
Class M-2, Class M-3, Class B-1, Class B-2 and Class B-3 Certificates may be
issued in a denomination equal to the denomination set forth as follows for such
Class or the sum of such denomination and an integral multiple of $1,000:
Class A-6 $25,986.80
Class M-1 $25,400.00
Class M-2 $250,700.00
Class M-3 $250,100.00
Class B-1 $371,600.00
Class B-2 $159,300.00
Class B-3 $372,446.48
The Class R Certificates and Class A-7 Certificates shall be issuable in minimum
denominations of not less than a 20% Percentage Interest; provided, however,
that one Class R Certificate will be issuable to Residential Funding as "tax
matters person" pursuant to Section 10.01(c) and (e) in a minimum denomination
representing a Percentage Interest of not less than 0.01%. Each Subclass of
Class A-7 Certificates shall be issuable as a single certificate as provided in
Section 5.01(c).
The Certificates shall be executed by manual or facsimile signature on
behalf of an authorized officer of the Trustee. Certificates bearing the manual
or facsimile signatures of individuals who were at any time the proper officers
of the Trustee shall bind the Trustee, notwithstanding that such individuals or
any of them have ceased to hold such offices prior to the authentication and
delivery of such Certificate or did not hold such offices at the date of such
Certificates. No Certificate shall be entitled to any benefit under this
Agreement, or be valid for any purpose, unless there appears on
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such Certificate a certificate of authentication substantially in the form
provided for herein executed by the Certificate Registrar by manual signature,
and such certificate upon any Certificate shall be conclusive evidence, and the
only evidence, that such Certificate has been duly authenticated and delivered
hereunder. All Certificates shall be dated the date of their authentication.
(b) The Class A Certificates, other than the Class A-6 Certificates and
Class A-7 Certificates, shall initially be issued as one or more Certificates
registered in the name of the Depository or its nominee and, except as provided
below, registration of such Certificates may not be transferred by the Trustee
except to another Depository that agrees to hold such Certificates for the
respective Certificate Owners with Ownership Interests therein. The Class A
Certificateholders shall hold their respective Ownership Interests in and to
each of the Class A Certificates, other than the Class A-6 Certificates and
Class A-7 Certificates, through the book-entry facilities of the Depository and,
except as provided below, shall not be entitled to Definitive Certificates in
respect of such Ownership Interests. All transfers by Certificate Owners of
their respective Ownership Interests in the Book-Entry Certificates shall be
made in accordance with the procedures established by the Depository Participant
or brokerage firm representing such Certificate Owner. Each Depository
Participant shall transfer the Ownership Interests only in the Book-Entry
Certificates of Certificate Owners it represents or of brokerage firms for which
it acts as agent in accordance with the Depository's normal procedures.
The Trustee, the Master Servicer and the Company may for all purposes
(including the making of payments due on the respective Classes of Book-Entry
Certificates) deal with the Depository as the authorized representative of the
Certificate Owners with respect to the respective Classes of Book-Entry
Certificates for the purposes of exercising the rights of Certificateholders
hereunder. The rights of Certificate Owners with respect to the respective
Classes of Book-Entry Certificates shall be limited to those established by law
and agreements between such Certificate Owners and the Depository Participants
and brokerage firms representing such Certificate Owners. Multiple requests and
directions from, and votes of, the Depository as Holder of any Class of
Book-Entry Certificates with respect to any particular matter shall not be
deemed inconsistent if they are made with respect to different Certificate
Owners. The Trustee may establish a reasonable record date in connection with
solicitations of consents from or voting by Certificateholders and shall give
notice to the Depository of such record date.
If (i)(A) the Company advises the Trustee in writing that the
Depository is no longer willing or able to properly discharge its
responsibilities as Depository and (B) the Company is unable
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to locate a qualified successor or (ii) the Company at its option advises the
Trustee in writing that it elects to terminate the book-entry system through the
Depository, the Trustee shall notify all Certificate Owners, through the
Depository, of the occurrence of any such event and of the availability of
Definitive Certificates to Certificate Owners requesting the same. Upon
surrender to the Trustee of the Book-Entry Certificates by the Depository,
accompanied by registration instructions from the Depository for registration of
transfer, the Trustee shall issue the Definitive Certificates. Neither the
Company, the Master Servicer nor the Trustee shall be liable for any actions
taken by the Depository or its nominee, including, without limitation, any delay
in delivery of such instructions and may conclusively rely on, and shall be
protected in relying on, such instructions. Upon the issuance of Definitive
Certificates all references herein to obligations imposed upon or to be
performed by the Company in connection with the issuance of the Definitive
Certificates pursuant to this Section 5.01 shall be deemed to be imposed upon
and performed by the Trustee, and the Trustee and the Master Servicer shall
recognize the Holders of the Definitive Certificates as Certificateholders
hereunder.
(c) From time to time Residential Funding, as the initial Holder of the
Class A-7 Certificates, may exchange such Holder's Class A-7 Certificates for
Subclasses of Class A-7 Certificates to be issued under this Agreement by
delivering a "Request for Exchange" substantially in the form attached hereto as
Exhibit Q executed by an authorized officer, which Subclasses, in the aggregate,
will represent the Uncertificated REMIC Regular Interests corresponding to the
Class A-7 Certificates so surrendered for exchange. Any Subclass so issued shall
bear a numerical designation commencing with Class A-7-1 and continuing
sequentially thereafter, and will evidence ownership of the Uncertificated REMIC
Regular Interest or Interests specified in writing by such initial Holder to the
Trustee. The Trustee may conclusively, without any independent verification,
rely on, and shall be protected in relying on, Residential Funding's
determinations of the Uncertificated REMIC Regular Interests corresponding to
any Subclass, the initial Subclass Notional Amount and the initial Pass-Through
Rate on a Subclass as set forth in such Request for Exchange and the Trustee
shall have no duty to determine if any Uncertificated REMIC Regular Interest
designated on an Request for Exchange corresponds to a Subclass which has
previously been issued. Each Subclass so issued shall be substantially in the
form set forth in Exhibit A and shall, on original issue, be executed and
delivered by the Trustee to the Certificate Registrar for authentication and
delivery in accordance with Section 5.01(a). Every Certificate presented or
surrendered for exchange by the initial Holder shall (if so required by the
Trustee or the Certificate Registrar) be duly endorsed by, or be accompanied by
a written instrument of transfer attached to such Certificate and shall be
completed to the satisfaction of the Trustee and the Certificate Registrar
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duly executed by, the initial Holder thereof or his attorney duly authorized in
writing. The Certificates of any Subclass of Class A-7 Certificates may be
transferred in whole, but not in part, in accordance with the provisions of
Section 5.02.
Section 5.02. Registration of Transfer and Exchange of
Certificates.
(a) The Trustee shall cause to be kept at one of the offices or
agencies to be appointed by the Trustee in accordance with the provisions of
Section 8.12 a Certificate Register in which, subject to such reasonable
regulations as it may prescribe, the Trustee shall provide for the registration
of Certificates and of transfers and exchanges of Certificates as herein
provided. The Trustee is initially appointed Certificate Registrar for the
purpose of registering Certificates and transfers and exchanges of Certificates
as herein provided. The Certificate Registrar, or the Trustee, shall provide the
Master Servicer with a certified list of Certificateholders as of each Record
Date prior to the related Determination Date.
(b) Upon surrender for registration of transfer of any Certificate at
any office or agency of the Trustee maintained for such purpose pursuant to
Section 8.12 and, in the case of any Class M, Class B or Class R Certificate,
upon satisfaction of the conditions set forth below, the Trustee shall execute
and the Certificate Registrar shall authenticate and deliver, in the name of the
designated transferee or transferees, one or more new Certificates of a like
Class (or Subclass) and aggregate Percentage Interest.
(c) At the option of the Certificateholders, Certificates may be
exchanged for other Certificates of authorized denominations of a like Class (or
Subclass) and aggregate Percentage Interest, upon surrender of the Certificates
to be exchanged at any such office or agency. Whenever any Certificates are so
surrendered for exchange the Trustee shall execute and the Certificate Registrar
shall authenticate and deliver the Certificates of such Class which the
Certificateholder making the exchange is entitled to receive. Every Certificate
presented or surrendered for exchange shall (if so required by the Trustee or
the Certificate Registrar) be duly endorsed by, or be accompanied by a written
instrument of transfer in form satisfactory to the Trustee and the Certificate
Registrar duly executed by, the Holder thereof or his attorney duly authorized
in writing.
(d) No transfer, sale, pledge or other disposition of a Class B
Certificate shall be made unless such transfer, sale, pledge or other
disposition is exempt from the registration requirements of the Securities Act
of 1933, as amended, and any applicable state securities laws or is made in
accordance with said Act and laws. In the event that a transfer of a Class B
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Certificate is to be made either (i)(A) the Trustee shall require a written
Opinion of Counsel acceptable to and in form and substance satisfactory to the
Trustee and the Company that such transfer may be made pursuant to an exemption,
describing the applicable exemption and the basis therefor, from said Act and
laws or is being made pursuant to said Act and laws, which Opinion of Counsel
shall not be an expense of the Trustee, the Company or the Master Servicer and
(B) the Trustee shall require the transferee to execute a representation letter,
substantially in the form of Exhibit J hereto, and the Trustee shall require the
transferor to execute a representation letter, substantially in the form of
Exhibit K hereto, each acceptable to and in form and substance satisfactory to
the Company and the Trustee certifying to the Company and the Trustee the facts
surrounding such transfer, which representation letters shall not be an expense
of the Trustee, the Company or the Master Servicer or (ii) the prospective
transferee of such a Certificate shall be required to provide the Trustee, the
Company and the Master Servicer with an investment letter substantially in the
form of Exhibit L attached hereto (or such other form as the Company in its sole
discretion deems acceptable), which investment letter shall not be an expense of
the Trustee, the Company or the Master Servicer, and which investment letter
states that, among other things, such transferee (A) is a "qualified
institutional buyer" as defined under Rule 144A, acting for its own account or
the accounts of other "qualified institutional buyers" as defined under Rule
144A, and (B) is aware that the proposed transferor intends to rely on the
exemption from registration requirements under the Securities Act of 1933, as
amended, provided by Rule 144A. The Holder of any such Certificate desiring to
effect any such transfer, sale, pledge or other disposition shall, and does
hereby agree to, indemnify the Trustee, the Company, the Master Servicer and the
Certificate Registrar against any liability that may result if the transfer,
sale, pledge or other disposition is not so exempt or is not made in accordance
with such federal and state laws.
(e) In the case of any Class M, Class B or Class R Certificate
presented for registration in the name of any Person, either (i) the Trustee
shall require an Opinion of Counsel acceptable to and in form and substance
satisfactory to the Trustee, the Company and the Master Servicer to the effect
that the purchase or holding of such Class M, Class B or Class R Certificate is
permissible under applicable law, will not constitute or result in any
non-exempt prohibited transaction under Section 406 of the Employee Retirement
Income Security Act of 1974, as amended ("ERISA"), or Section 4975 of the Code
(or comparable provisions of any subsequent enactments), and will not subject
the Trustee, the Company or the Master Servicer to any obligation or liability
(including obligations or liabilities under ERISA or Section 4975 of the Code)
in addition to those undertaken in this Agreement, which Opinion of Counsel
shall not be an expense of the Trustee, the Company or the Master Servicer
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or (ii) the prospective transferee shall be required to provide the Trustee, the
Company and the Master Servicer with a certification to the effect set forth in
paragraph six of Exhibit J-1 (with respect to any Class B Certificate), Exhibit
J-2 (with respect to any Class M Certificate) or paragraph fourteen of Exhibit
I-1 (with respect to any Class R Certificate), which the Trustee may rely upon
without further inquiry or investigation, or such other certifications as the
Trustee may deem desirable or necessary in order to establish that such
transferee or the Person in whose name such registration is requested is not an
employee benefit plan or other plan subject to the prohibited transaction
provisions of ERISA or Section 4975 of the Code, or any Person (including an
investment manager, a named fiduciary or a trustee of any such plan) who is
using "plan assets" of any such plan to effect such acquisition.
(f) (i) Each Person who has or who acquires any Ownership Interest in a
Class R Certificate shall be deemed by the acceptance or acquisition of such
Ownership Interest to have agreed to be bound by the following provisions and to
have irrevocably authorized the Trustee or its designee under clause (iii)(A)
below to deliver payments to a Person other than such Person and to negotiate
the terms of any mandatory sale under clause (iii)(B) below and to execute all
instruments of transfer and to do all other things necessary in connection with
any such sale. The rights of each Person acquiring any Ownership Interest in a
Class R Certificate are expressly subject to the following provisions:
(A) Each Person holding or acquiring any Ownership Interest in
a Class R Certificate shall be a Permitted Transferee and shall
promptly notify the Trustee of any change or impending change in its
status as a Permitted Transferee.
(B) In connection with any proposed Transfer of any Ownership
Interest in a Class R Certificate, the Trustee shall require delivery
to it, and shall not register the Transfer of any Class R Certificate
until its receipt of, (I) an affidavit and agreement (a "Transfer
Affidavit and Agreement," in the form attached hereto as Exhibit I-1)
from the proposed Transferee, in form and substance satisfactory to the
Master Servicer, representing and warranting, among other things, that
it is a Permitted Transferee, that it is not acquiring its Ownership
Interest in the Class R Certificate that is the subject of the proposed
Transfer as a nominee, trustee or agent for any Person who is not a
Permitted Transferee, that for so long as it retains its Ownership
Interest in a Class R Certificate, it will endeavor to remain a
Permitted Transferee, and that it has reviewed the provisions of this
Section 5.02(f) and agrees to be bound by them, and (II) a certificate,
in the form attached hereto as Exhibit I-2, from the Holder wishing to
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transfer the Class R Certificate, in form and substance satisfactory to
the Master Servicer, representing and warranting, among other things,
that no purpose of the proposed Transfer is to impede the assessment or
collection of tax.
(C) Notwithstanding the delivery of a Transfer Affidavit and
Agreement by a proposed Transferee under clause (B) above, if a
Responsible Officer of the Trustee who is assigned to this Agreement
has actual knowledge that the proposed Transferee is not a Permitted
Transferee, no Transfer of an Ownership Interest in a Class R
Certificate to such proposed Transferee shall be effected.
(D) Each Person holding or acquiring any Ownership Interest in
a Class R Certificate shall agree (x) to require a Transfer Affidavit
and Agreement from any other Person to whom such Person attempts to
transfer its Ownership Interest in a Class R Certificate and (y) not to
transfer its Ownership Interest unless it provides a certificate to the
Trustee in the form attached hereto as Exhibit I-2.
(E) Each Person holding or acquiring an Ownership Interest in
a Class R Certificate, by purchasing an Ownership Interest in such
Certificate, agrees to give the Trustee written notice that it is a
"pass-through interest holder" within the meaning of Temporary Treasury
Regulations Section 1.67-3T(a)(2)(i)(A) immediately upon acquiring an
Ownership Interest in a Class R Certificate, if it is, or is holding an
Ownership Interest in a Class R Certificate on behalf of, a
"pass-through interest holder."
(ii) The Trustee will register the Transfer of any Class R Certificate
only if it shall have received the Transfer Affidavit and Agreement, a
certificate of the Holder requesting such transfer in the form attached hereto
as Exhibit I-2 and all of such other documents as shall have been reasonably
required by the Trustee as a condition to such registration. Transfers of the
Class R Certificates to Non-United States Persons and Disqualified Organizations
(as defined in Section 860E(e)(5) of the Code) are prohibited.
(iii) (A) If any Disqualified Organization shall become a holder of a
Class R Certificate, then the last preceding Permitted Transferee shall be
restored, to the extent permitted by law, to all rights and obligations as
Holder thereof retroactive to the date of registration of such Transfer of such
Class R Certificate. If a Non-United States Person shall become a holder of a
Class R Certificate, then the last preceding United States Person shall be
restored, to the extent permitted by law, to all rights and obligations as
Holder thereof retroactive to the date of registration of such Transfer of such
Class R Certificate. If a transfer of a Class R Certificate is
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disregarded pursuant to the provisions of Treasury Regulations Section 1.860E-1
or Section 1.860G-3, then the last preceding Permitted Transferee shall be
restored, to the extent permitted by law, to all rights and obligations as
Holder thereof retroactive to the date of registration of such Transfer of such
Class R Certificate. The Trustee shall be under no liability to any Person for
any registration of Transfer of a Class R Certificate that is in fact not
permitted by this Section 5.02(f) or for making any payments due on such
Certificate to the holder thereof or for taking any other action with respect to
such holder under the provisions of this Agreement.
(B) If any purported Transferee shall become a Holder of a
Class R Certificate in violation of the restrictions in this Section 5.02(f) and
to the extent that the retroactive restoration of the rights of the Holder of
such Class R Certificate as described in clause (iii)(A) above shall be invalid,
illegal or unenforceable, then the Master Servicer shall have the right, without
notice to the holder or any prior holder of such Class R Certificate, to sell
such Class R Certificate to a purchaser selected by the Master Servicer on such
terms as the Master Servicer may choose. Such purported Transferee shall
promptly endorse and deliver each Class R Certificate in accordance with the
instructions of the Master Servicer. Such purchaser may be the Master Servicer
itself or any Affiliate of the Master Servicer. The proceeds of such sale, net
of the commissions (which may include commissions payable to the Master Servicer
or its Affiliates), expenses and taxes due, if any, will be remitted by the
Master Servicer to such purported Transferee. The terms and conditions of any
sale under this clause (iii)(B) shall be determined in the sole discretion of
the Master Servicer, and the Master Servicer shall not be liable to any Person
having an Ownership Interest in a Class R Certificate as a result of its
exercise of such discretion.
(iv) The Master Servicer, on behalf of the Trustee, shall make
available, upon written request from the Trustee, all information necessary to
compute any tax imposed (A) as a result of the Transfer of an Ownership Interest
in a Class R Certificate to any Person who is a Disqualified Organization,
including the information regarding "excess inclusions" of such Class R
Certificates required to be provided to the Internal Revenue Service and certain
Persons as described in Treasury Regulations Sections 1.860D-1(b)(5) and
1.860E-2(a)(5), and (B) as a result of any regulated investment company, real
estate investment trust, common trust fund, partnership, trust, estate or
organization described in Section 1381 of the Code that holds an Ownership
Interest in a Class R Certificate having as among its record holders at any time
any Person who is a Disqualified Organization. Reasonable compensation for
providing such information may be required by the Master Servicer from such
Person.
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(v) The provisions of this Section 5.02(f) set forth prior to this
clause (v) may be modified, added to or eliminated, provided that there shall
have been delivered to the Trustee the following:
(A) written notification from each Rating Agency to the effect
that the modification, addition to or elimination of such provisions
will not cause such Rating Agency to downgrade its then-current
ratings, if any, of any Class of the Class A, Class M, Class B or Class
R Certificates below the lower of the then-current rating or the rating
assigned to such Certificates as of the Closing Date by such Rating
Agency; and
(B) subject to Section 10.01(f), a certificate of the Master
Servicer stating that the Master Servicer has received an Opinion of
Counsel, in form and substance satisfactory to the Master Servicer, to
the effect that such modification, addition to or absence of such
provisions will not cause the Trust Fund to cease to qualify as a REMIC
and will not cause (x) the Trust Fund to be subject to an entity-level
tax caused by the Transfer of any Class R Certificate to a Person that
is a Disqualified Organization or (y) a Certificateholder or another
Person to be subject to a REMIC-related tax caused by the Transfer of a
Class R Certificate to a Person that is not a Permitted Transferee.
(g) No service charge shall be made for any transfer or exchange of
Certificates of any Class, but the Trustee may require payment of a sum
sufficient to cover any tax or governmental charge that may be imposed in
connection with any transfer or exchange of Certificates.
(h) All Certificates surrendered for transfer and exchange
shall be destroyed by the Certificate Registrar.
Section 5.03. Mutilated, Destroyed, Lost or Stolen
Certificates.
If (i) any mutilated Certificate is surrendered to the Certificate
Registrar, or the Trustee and the Certificate Registrar receive evidence to
their satisfaction of the destruction, loss or theft of any Certificate, and
(ii) there is delivered to the Trustee and the Certificate Registrar such
security or indemnity as may be required by them to save each of them harmless,
then, in the absence of notice to the Trustee or the Certificate Registrar that
such Certificate has been acquired by a bona fide purchaser, the Trustee shall
execute and the Certificate Registrar shall authenticate and deliver, in
exchange for or in lieu of any such mutilated, destroyed, lost or stolen
Certificate, a new Certificate of like tenor, Class and Percentage Interest but
bearing a number not contemporaneously outstanding. Upon the issuance of any new
Certificate under this
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Section, the Trustee may require the payment of a sum sufficient to cover any
tax or other governmental charge that may be imposed in relation thereto and any
other expenses (including the fees and expenses of the Trustee and the
Certificate Registrar) connected therewith. Any duplicate Certificate issued
pursuant to this Section shall constitute complete and indefeasible evidence of
ownership in the Trust Fund, as if originally issued, whether or not the lost,
stolen or destroyed Certificate shall be found at any time.
Section 5.04. Persons Deemed Owners.
Prior to due presentation of a Certificate for registration of
transfer, the Company, the Master Servicer, the Trustee, the Certificate
Registrar and any agent of the Company, the Master Servicer, the Trustee or the
Certificate Registrar may treat the Person in whose name any Certificate is
registered as the owner of such Certificate for the purpose of receiving
distributions pursuant to Section 4.02 and for all other purposes whatsoever,
except as and to the extent provided in the definition of "Certificateholder,"
and neither the Company, the Master Servicer, the Trustee, the Certificate
Registrar nor any agent of the Company, the Master Servicer, the Trustee or the
Certificate Registrar shall be affected by notice to the contrary except as
provided in Section 5.02(f).
Section 5.05. Appointment of Paying Agent.
The Trustee may appoint a Paying Agent for the purpose of making
distributions to the Certificateholders pursuant to Section 4.02. In the event
of any such appointment, on or prior to each Distribution Date the Master
Servicer on behalf of the Trustee shall deposit or cause to be deposited with
the Paying Agent a sum sufficient to make the payments to the Certificateholders
in the amounts and in the manner provided for in Section 4.02, such sum to be
held in trust for the benefit of the Certificateholders.
The Trustee shall cause each Paying Agent to execute and deliver to the
Trustee an instrument in which such Paying Agent shall agree with the Trustee
that such Paying Agent will hold all sums held by it for the payment to the
Certificateholders in trust for the benefit of the Certificateholders entitled
thereto until such sums shall be paid to such Certificateholders. Any sums so
held by such Paying Agent shall be held only in Eligible Accounts to the extent
such sums are not distributed to the Certificateholders on the date of receipt
by such Paying Agent.
Section 5.06. Optional Purchase of Certificates.
(a) On any Distribution Date on which the Pool Stated Principal Balance
is less than ten percent of the Cut-off Date Principal Balance of the Mortgage
Loans, either the Master
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Servicer or the Company shall have the right, at its option, to purchase the
Certificates in whole, but not in part, at a price equal to the outstanding
Certificate Principal Balance of the Certificates plus the sum of Accrued
Certificate Interest thereon for the related Interest Accrual Period and any
previously unpaid Accrued Certificate Interest.
(b) The Master Servicer or the Company, as applicable, shall give the
Trustee not less than 60 days' prior notice of the Distribution Date on which
the Master Servicer or the Company, as applicable, anticipates that it will
purchase the Certificates pursuant to Section 5.06(a). Notice of any such
purchase, specifying the Distribution Date upon which the Holders may surrender
their Certificates to the Trustee for payment in accordance with this Section
5.06, shall be given promptly by the Master Servicer or the Company, as
applicable, by letter to Certificateholders (with a copy to the Certificate
Registrar and each Rating Agency) mailed not earlier than the 15th day and not
later than the 25th day of the month next preceding the month of such final
distribution, specifying:
(i) the Distribution Date upon which purchase of the
Certificates is anticipated to be made upon presentation and surrender
of such Certificates at the office or agency of the Trustee therein
designated,
(ii) the purchase price therefor, if known, and
(iii) that the Record Date otherwise applicable to such
Distribution Date is not applicable, payments being made only upon
presentation and surrender of the Certificates at the office or agency
of the Trustee therein specified.
If either the Master Servicer or the Company gives the notice specified above,
the Master Servicer or the Company, as applicable, shall deposit in the
Certificate Account before the Distribution Date on which the purchase pursuant
to Section 5.06(a) is to be made, in immediately available funds, an amount
equal to the purchase price for the Certificates computed as provided above.
(c) Upon presentation and surrender of the Certificates to be purchased
pursuant to Section 5.06(a) by the Holders thereof, the Trustee shall distribute
to such Holders an amount equal to the outstanding Certificate Principal Balance
thereof plus the sum of Accrued Certificate Interest thereon for the related
Interest Accrual Period and any previously unpaid Accrued Certificate Interest
with respect thereto.
(d) In the event that any Certificateholders do not surrender their
Certificates on or before the Distribution Date on which a purchase pursuant to
this Section 5.06 is to be made,
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the Trustee shall on such date cause all funds in the Certificate Account
deposited therein by the Master Servicer or the Company, as applicable, pursuant
to Section 5.06(b) to be withdrawn therefrom and deposited in a separate escrow
account for the benefit of such Certificateholders, and the Master Servicer or
the Company, as applicable, shall give a second written notice to such
Certificateholders to surrender their Certificates for payment of the purchase
price therefor. If within six months after the second notice any Certificate
shall not have been surrendered for cancellation, the Trustee shall take
appropriate steps as directed by the Master Servicer or the Company, as
applicable, to contact the Holders of such Certificates concerning surrender of
their Certificates. The costs and expenses of maintaining the escrow account and
of contacting Certificateholders shall be paid out of the assets which remain in
the escrow account. If within nine months after the second notice any
Certificates shall not have been surrendered for cancellation in accordance with
this Section 5.06, the Trustee shall pay to the Master Servicer or the Company,
as applicable, all amounts distributable to the Holders thereof and the Master
Servicer or the Company, as applicable, shall thereafter hold such amounts until
distributed to such Holders. No interest shall accrue or be payable to any
Certificateholder on any amount held in the escrow account or by the Master
Servicer or the Company, as applicable, as a result of such Certificateholder's
failure to surrender its Certificate(s) for payment in accordance with this
Section 5.06. Any Certificate that is not surrendered on the Distribution Date
on which a purchase pursuant to this Section 5.06 occurs as provided above will
be deemed to have been purchased and the Holder as of such date will have no
rights with respect thereto except to receive the purchase price therefor minus
any costs and expenses associated with such escrow account and notices allocated
thereto. Any Certificates so purchased or deemed to have been purchased on such
Distribution Date shall remain outstanding hereunder. The Master Servicer or the
Company, as applicable, shall be for all purposes the Holder thereof as of such
date.
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ARTICLE VI
THE COMPANY AND THE MASTER SERVICER
Section 6.01. Respective Liabilities of the Company and the
Master Servicer.
The Company and the Master Servicer shall each be liable in accordance
herewith only to the extent of the obligations specifically and respectively
imposed upon and undertaken by the Company and the Master Servicer herein. By
way of illustration and not limitation, the Company is not liable for the
servicing and administration of the Mortgage Loans, nor is it obligated by
Section 7.01 or Section 10.01 to assume any obligations of the Master Servicer
or to appoint a designee to assume such obligations, nor is it liable for any
other obligation hereunder that it may, but is not obligated to, assume unless
it elects to assume such obligation in accordance herewith.
Section 6.02. Merger or Consolidation of the Company
or the Master Servicer; Assignment of Rights
and Delegation of Duties by Master Servicer.
(a) The Company and the Master Servicer will each keep in full effect
its existence, rights and franchises as a corporation under the laws of the
state of its incorporation, and will each obtain and preserve its qualification
to do business as a foreign corporation in each jurisdiction in which such
qualification is or shall be necessary to protect the validity and
enforceability of this Agreement, the Certificates or any of the Mortgage Loans
and to perform its respective duties under this Agreement.
(b) Any Person into which the Company or the Master Servicer may be
merged or consolidated, or any corporation resulting from any merger or
consolidation to which the Company or the Master Servicer shall be a party, or
any Person succeeding to the business of the Company or the Master Servicer,
shall be the successor of the Company or the Master Servicer, as the case may
be, hereunder, without the execution or filing of any paper or any further act
on the part of any of the parties hereto, anything herein to the contrary
notwithstanding; provided, however, that the successor or surviving Person to
the Master Servicer shall be qualified to service mortgage loans on behalf of
FNMA or FHLMC; and provided further that each Rating Agency's ratings, if any,
of the Class A, Class M, Class B or Class R Certificates in effect immediately
prior to such merger or consolidation will not be qualified, reduced or
withdrawn as a result thereof (as evidenced by a letter to such effect from each
Rating Agency).
(c) Notwithstanding anything else in this Section 6.02 and Section 6.04
to the contrary, the Master Servicer may assign its rights and delegate its
duties and obligations under this
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Agreement; provided that the Person accepting such assignment or delegation
shall be a Person which is qualified to service mortgage loans on behalf of FNMA
or FHLMC, is reasonably satisfactory to the Trustee and the Company, is willing
to service the Mortgage Loans and executes and delivers to the Company and the
Trustee an agreement, in form and substance reasonably satisfactory to the
Company and the Trustee, which contains an assumption by such Person of the due
and punctual performance and observance of each covenant and condition to be
performed or observed by the Master Servicer under this Agreement; provided
further that each Rating Agency's rating of the Classes of Certificates that
have been rated in effect immediately prior to such assignment and delegation
will not be qualified, reduced or withdrawn as a result of such assignment and
delegation (as evidenced by a letter to such effect from each Rating Agency). In
the case of any such assignment and delegation, the Master Servicer shall be
released from its obligations under this Agreement, except that the Master
Servicer shall remain liable for all liabilities and obligations incurred by it
as Master Servicer hereunder prior to the satisfaction of the conditions to such
assignment and delegation set forth in the next preceding sentence.
Section 6.03. Limitation on Liability of the Company,
the Master Servicer and Others.
Neither the Company, the Master Servicer nor any of the directors,
officers, employees or agents of the Company or the Master Servicer shall be
under any liability to the Trust Fund or the Certificateholders for any action
taken or for refraining from the taking of any action in good faith pursuant to
this Agreement, or for errors in judgment; provided, however, that this
provision shall not protect the Company, the Master Servicer or any such Person
against any breach of warranties or representations made herein or any liability
which would otherwise be imposed by reason of willful misfeasance, bad faith or
gross negligence in the performance of duties or by reason of reckless disregard
of obligations and duties hereunder. The Company, the Master Servicer and any
director, officer, employee or agent of the Company or the Master Servicer may
rely in good faith on any document of any kind prima facie properly executed and
submitted by any Person respecting any matters arising hereunder. The Company,
the Master Servicer and any director, officer, employee or agent of the Company
or the Master Servicer shall be indemnified by the Trust Fund and held harmless
against any loss, liability or expense incurred in connection with any legal
action relating to this Agreement or the Certificates, other than any loss,
liability or expense related to any specific Mortgage Loan or Mortgage Loans
(except as any such loss, liability or expense shall be otherwise reimbursable
pursuant to this Agreement) and any loss, liability or expense incurred by
reason of willful misfeasance, bad faith or gross negligence in
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the performance of duties hereunder or by reason of reckless
disregard of obligations and duties hereunder.
Neither the Company nor the Master Servicer shall be under any
obligation to appear in, prosecute or defend any legal or administrative action,
proceeding, hearing or examination that is not incidental to its respective
duties under this Agreement and which in its opinion may involve it in any
expense or liability; provided, however, that the Company or the Master Servicer
may in its discretion undertake any such action, proceeding, hearing or
examination that it may deem necessary or desirable in respect to this Agreement
and the rights and duties of the parties hereto and the interests of the
Certificateholders hereunder. In such event, the legal expenses and costs of
such action, proceeding, hearing or examination and any liability resulting
therefrom shall be expenses, costs and liabilities of the Trust Fund, and the
Company and the Master Servicer shall be entitled to be reimbursed therefor out
of amounts attributable to the Mortgage Loans on deposit in the Custodial
Account as provided by Section 3.10 and, on the Distribution Date(s) following
such reimbursement, the aggregate of such expenses and costs shall be allocated
in reduction of the Accrued Certificate Interest on each Class entitled thereto
in the same manner as if such expenses and costs constituted a Prepayment
Interest Shortfall.
Section 6.04. Company and Master Servicer Not to Resign.
Subject to the provisions of Section 6.02, neither the Company nor the
Master Servicer shall resign from its respective obligations and duties hereby
imposed on it except upon determination that its duties hereunder are no longer
permissible under applicable law. Any such determination permitting the
resignation of the Company or the Master Servicer shall be evidenced by an
Opinion of Counsel to such effect delivered to the Trustee. No such resignation
by the Master Servicer shall become effective until the Trustee or a successor
servicer shall have assumed the Master Servicer's responsibilities and
obligations in accordance with Section 7.02.
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ARTICLE VII
DEFAULT
Section 7.01. Events of Default.
Event of Default, wherever used herein, means any one of the following
events (whatever reason for such Event of Default and whether it shall be
voluntary or involuntary or be effected by operation of law or pursuant to any
judgment, decree or order of any court or any order, rule or regulation of any
administrative or governmental body):
(i) the Master Servicer shall fail to distribute or cause to
be distributed to the Holders of Certificates of any Class any
distribution required to be made under the terms of the Certificates of
such Class and this Agreement and, in either case, such failure shall
continue unremedied for a period of 5 days after the date upon which
written notice of such failure, requiring such failure to be remedied,
shall have been given to the Master Servicer by the Trustee or the
Company or to the Master Servicer, the Company and the Trustee by the
Holders of Certificates of such Class evidencing Percentage Interests
aggregating not less than 25%; or
(ii) the Master Servicer shall fail to observe or perform in
any material respect any other of the covenants or agreements on the
part of the Master Servicer contained in the Certificates of any Class
or in this Agreement and such failure shall continue unremedied for a
period of 30 days (except that such number of days shall be 15 in the
case of a failure to pay the premium for any Required Insurance Policy)
after the date on which written notice of such failure, requiring the
same to be remedied, shall have been given to the Master Servicer by
the Trustee or the Company, or to the Master Servicer, the Company and
the Trustee by the Holders of Certificates of any Class evidencing, in
the case of any such Class, Percentage Interests aggregating not less
than 25%; or
(iii) a decree or order of a court or agency or supervisory
authority having jurisdiction in the premises in an involuntary case
under any present or future federal or state bankruptcy, insolvency or
similar law or appointing a conservator or receiver or liquidator in
any insolvency, readjustment of debt, marshalling of assets and
liabilities or similar proceedings, or for the winding-up or
liquidation of its affairs, shall have been entered against the Master
Servicer and such decree or order shall have remained in force
undischarged or unstayed for a period of 60 days; or
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(iv) the Master Servicer shall consent to the appointment of a
conservator or receiver or liquidator in any insolvency, readjustment
of debt, marshalling of assets and liabilities, or similar proceedings
of, or relating to, the Master Servicer or of, or relating to, all or
substantially all of the property of the Master Servicer; or
(v) the Master Servicer shall admit in writing its inability
to pay its debts generally as they become due, file a petition to take
advantage of, or commence a voluntary case under, any applicable
insolvency or reorganization statute, make an assignment for the
benefit of its creditors, or voluntarily suspend payment of its
obligations; or
(vi) the Master Servicer shall notify the Trustee pursuant to
Section 4.04(b) that it is unable to deposit in the Certificate Account
an amount equal to the Advance.
If an Event of Default described in clauses (i)-(v) of this Section
shall occur, then, and in each and every such case, so long as such Event of
Default shall not have been remedied, either the Company or the Trustee may, and
at the direction of Holders of Certificates entitled to at least 51% of the
Voting Rights, the Trustee shall, by notice in writing to the Master Servicer
(and to the Company if given by the Trustee or to the Trustee if given by the
Company), terminate all of the rights and obligations of the Master Servicer
under this Agreement and in and to the Mortgage Loans and the proceeds thereof,
other than its rights as a Certificateholder hereunder. If an Event of Default
described in clause (vi) hereof shall occur, the Trustee shall, by notice to the
Master Servicer and the Company, immediately terminate all of the rights and
obligations of the Master Servicer under this Agreement and in and to the
Mortgage Loans and the proceeds thereof, other than its rights as a
Certificateholder hereunder as provided in Section 4.04(b). On or after the
receipt by the Master Servicer of such written notice, all authority and power
of the Master Servicer under this Agreement, whether with respect to the
Certificates (other than as a Holder thereof) or the Mortgage Loans or
otherwise, shall subject to Section 7.02 pass to and be vested in the Trustee or
the Trustee's designee appointed pursuant to Section 7.02; and, without
limitation, the Trustee is hereby authorized and empowered to execute and
deliver, on behalf of the Master Servicer, as attorney-in-fact or otherwise, any
and all documents and other instruments, and to do or accomplish all other acts
or things necessary or appropriate to effect the purposes of such notice of
termination, whether to complete the transfer and endorsement or assignment of
the Mortgage Loans and related documents, or otherwise. The Master Servicer
agrees to cooperate with the Trustee in effecting the termination of the Master
Servicer's responsibilities and rights hereunder, including, without limitation,
the transfer to the Trustee or its designee
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for administration by it of all cash amounts which shall at the time be credited
to the Custodial Account or the Certificate Account or thereafter be received
with respect to the Mortgage Loans. No such termination shall release the Master
Servicer for any liability that it would otherwise have hereunder for any act or
omission prior to the effective time of such termination.
Notwithstanding any termination of the activities of Residential
Funding in its capacity as Master Servicer hereunder, Residential Funding shall
be entitled to receive, out of any late collection of a Monthly Payment on a
Mortgage Loan which was due prior to the notice terminating Residential
Funding's rights and obligations as Master Servicer hereunder and received after
such notice, that portion to which Residential Funding would have been entitled
pursuant to Sections 3.10(a)(ii), (vi) and (vii) as well as its Servicing Fee in
respect thereof, and any other amounts payable to Residential Funding hereunder
the entitlement to which arose prior to the termination of its activities
hereunder. Upon the termination of Residential Funding as Master Servicer
hereunder the Company shall deliver to the Trustee a copy of the Program Guide.
Section 7.02. Trustee or Company to Act; Appointment of
Successor.
On and after the time the Master Servicer receives a notice of
termination pursuant to Section 7.01 or resigns in accordance with Section 6.04,
the Trustee or, upon notice to the Company and with the Company's consent (which
shall not be unreasonably withheld) a designee (which meets the standards set
forth below) of the Trustee, shall be the successor in all respects to the
Master Servicer in its capacity as servicer under this Agreement and the
transactions set forth or provided for herein and shall be subject to all the
responsibilities, duties and liabilities relating thereto placed on the Master
Servicer (except for the responsibilities, duties and liabilities contained in
Sections 2.02 and 2.03(a), excluding the duty to notify related Subservicers or
Sellers as set forth in such Sections, and its obligations to deposit amounts in
respect of losses incurred prior to such notice or termination on the investment
of funds in the Custodial Account or the Certificate Account pursuant to
Sections 3.07(c) and 4.01(b) by the terms and provisions hereof); provided,
however, that any failure to perform such duties or responsibilities caused by
the preceding Master Servicer's failure to provide information required by
Section 4.04 shall not be considered a default by the Trustee hereunder. As
compensation therefor, the Trustee shall be entitled to all funds relating to
the Mortgage Loans which the Master Servicer would have been entitled to charge
to the Custodial Account or the Certificate Account if the Master Servicer had
continued to act hereunder and, in addition, shall be entitled to the income
from any Permitted Investments made with amounts attributable to the Mortgage
Loans held in the Custodial Account or the Certificate
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Account. If the Trustee has become the successor to the Master Servicer in
accordance with Section 6.04 or Section 7.01, then notwithstanding the above,
the Trustee may, if it shall be unwilling to so act, or shall, if it is unable
to so act, appoint, or petition a court of competent jurisdiction to appoint,
any established housing and home finance institution, which is also a FNMA- or
FHLMC-approved mortgage servicing institution, having a net worth of not less
than $10,000,000 as the successor to the Master Servicer hereunder in the
assumption of all or any part of the responsibilities, duties or liabilities of
the Master Servicer hereunder. Pending appointment of a successor to the Master
Servicer hereunder, the Trustee shall become successor to the Master Servicer
and shall act in such capacity as hereinabove provided. In connection with such
appointment and assumption, the Trustee may make such arrangements for the
compensation of such successor out of payments on Mortgage Loans as it and such
successor shall agree; provided, however, that no such compensation shall be in
excess of that permitted the initial Master Servicer hereunder. The Company, the
Trustee, the Custodian and such successor shall take such action, consistent
with this Agreement, as shall be necessary to effectuate any such succession.
The Servicing Fee for any successor Master Servicer appointed pursuant to this
Section 7.02 will be lowered with respect to those Mortgage Loans, if any, where
the Subservicing Fee accrues at a rate of less than 0.20% per annum in the event
that the successor Master Servicer is not servicing such Mortgage Loans directly
and it is necessary to raise the related Subservicing Fee to a rate of 0.20% per
annum in order to hire a Subservicer with respect to such Mortgage Loans.
Section 7.03. Notification to Certificateholders.
(a) Upon any such termination or appointment of a successor to the
Master Servicer, the Trustee shall give prompt written notice thereof to the
Certificateholders at their respective addresses appearing in the Certificate
Register.
(b) Within 60 days after the occurrence of any Event of Default, the
Trustee shall transmit by mail to all Holders of Certificates notice of each
such Event of Default hereunder known to the Trustee, unless such Event of
Default shall have been cured or waived.
Section 7.04. Waiver of Events of Default.
The Holders representing at least 66% of the Voting Rights affected by
a default or Event of Default hereunder may waive such default or Event of
Default; provided, however, that (a) a default or Event of Default under clause
(i) of Section 7.01 may be waived only by all of the Holders of Certificates
affected by such default or Event of Default and (b) no waiver pursuant to this
Section 7.04 shall affect the Holders of Certificates in the
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manner set forth in Section 11.01(b)(i), (ii) or (iii). Upon any such waiver of
a default or Event of Default by the Holders representing the requisite
percentage of Voting Rights affected by such default or Event of Default, such
default or Event of Default shall cease to exist and shall be deemed to have
been remedied for every purpose hereunder. No such waiver shall extend to any
subsequent or other default or Event of Default or impair any right consequent
thereon except to the extent expressly so waived.
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ARTICLE VIII
CONCERNING THE TRUSTEE
Section 8.01. Duties of Trustee.
(a) The Trustee, prior to the occurrence of an Event of Default and
after the curing of all Events of Default which may have occurred, undertakes to
perform such duties and only such duties as are specifically set forth in this
Agreement. In case an Event of Default has occurred (which has not been cured or
waived), the Trustee shall exercise such of the rights and powers vested in it
by this Agreement, and use the same degree of care and skill in their exercise
as a prudent investor would exercise or use under the circumstances in the
conduct of such investor's own affairs.
(b) The Trustee, upon receipt of all resolutions, certificates,
statements, opinions, reports, documents, orders or other instruments furnished
to the Trustee which are specifically required to be furnished pursuant to any
provision of this Agreement, shall examine them to determine whether they
conform to the requirements of this Agreement. The Trustee shall notify the
Certificateholders of any such documents which do not materially conform to the
requirements of this Agreement in the event that the Trustee, after so
requesting, does not receive satisfactorily corrected documents.
The Trustee shall forward or cause to be forwarded in a timely fashion
the notices, reports and statements required to be forwarded by the Trustee
pursuant to Sections 4.03, 4.06, 7.03 and 10.01. The Trustee shall furnish in a
timely fashion to the Master Servicer such information as the Master Servicer
may reasonably request from time to time for the Master Servicer to fulfill its
duties as set forth in this Agreement. The Trustee covenants and agrees that it
shall perform its obligations hereunder in a manner so as to maintain the status
of the Trust Fund as a REMIC under the REMIC Provisions and (subject to Section
10.01(f)) to prevent the imposition of any federal, state or local income,
prohibited transaction, contribution or other tax on the Trust Fund to the
extent that maintaining such status and avoiding such taxes are reasonably
within the control of the Trustee and are reasonably within the scope of its
duties under this Agreement.
(c) No provision of this Agreement shall be construed to relieve the
Trustee from liability for its own negligent action, its own negligent failure
to act or its own willful misconduct; provided, however, that:
(i) Prior to the occurrence of an Event of
Default, and after the curing or waiver of all such Events
of Default which may have occurred, the duties and
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obligations of the Trustee shall be determined solely by the express
provisions of this Agreement, the Trustee shall not be liable except
for the performance of such duties and obligations as are specifically
set forth in this Agreement, no implied covenants or obligations shall
be read into this Agreement against the Trustee and, in the absence of
bad faith on the part of the Trustee, the Trustee may conclusively
rely, as to the truth of the statements and the correctness of the
opinions expressed therein, upon any certificates or opinions furnished
to the Trustee by the Company or the Master Servicer and which on their
face, do not contradict the requirements of this Agreement;
(ii) The Trustee shall not be personally liable for an error
of judgment made in good faith by a Responsible Officer or Responsible
Officers of the Trustee, unless it shall be proved that the Trustee was
negligent in ascertaining the pertinent facts;
(iii) The Trustee shall not be personally liable with respect
to any action taken, suffered or omitted to be taken by it in good
faith in accordance with the direction of Certificateholders of any
Class holding Certificates which evidence, as to such Class, Percentage
Interests aggregating not less than 25% as to the time, method and
place of conducting any proceeding for any remedy available to the
Trustee, or exercising any trust or power conferred upon the Trustee,
under this Agreement;
(iv) The Trustee shall not be charged with knowledge of any
default (other than a default in payment to the Trustee) specified in
clauses (i) and (ii) of Section 7.01 or an Event of Default under
clauses (iii), (iv) and (v) of Section 7.01 unless a Responsible
Officer of the Trustee assigned to and working in the Corporate Trust
Office obtains actual knowledge of such failure or event or the Trustee
receives written notice of such failure or event at its Corporate Trust
Office from the Master Servicer, the Company or any Certificateholder;
and
(v) Except to the extent provided in Section 7.02, no
provision in this Agreement shall require the Trustee to expend or risk
its own funds (including, without limitation, the making of any
Advance) or otherwise incur any personal financial liability in the
performance of any of its duties as Trustee hereunder, or in the
exercise of any of its rights or powers, if the Trustee shall have
reasonable grounds for believing that repayment of funds or adequate
indemnity against such risk or liability is not reasonably assured to
it.
(d) The Trustee shall timely pay, from its own funds, the
amount of any and all federal, state and local taxes imposed on
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the Trust Fund or its assets or transactions including, without limitation, (A)
"prohibited transaction" penalty taxes as defined in Section 860F of the Code,
if, when and as the same shall be due and payable, (B) any tax on contributions
to a REMIC after the Closing Date imposed by Section 860G(d) of the Code and (C)
any tax on "net income from foreclosure property" as defined in Section 860G(c)
of the Code, but only if such taxes arise out of a breach by the Trustee of its
obligations hereunder, which breach constitutes negligence or willful misconduct
of the Trustee.
Section 8.02. Certain Matters Affecting the Trustee.
(a) Except as otherwise provided in Section 8.01:
(i) The Trustee may rely and shall be protected in acting or
refraining from acting upon any resolution, Officers' Certificate,
certificate of auditors or any other certificate, statement,
instrument, opinion, report, notice, request, consent, order,
appraisal, bond or other paper or document believed by it to be genuine
and to have been signed or presented by the proper party or parties;
(ii) The Trustee may consult with counsel and any Opinion of
Counsel shall be full and complete authorization and protection in
respect of any action taken or suffered or omitted by it hereunder in
good faith and in accordance with such Opinion of Counsel;
(iii) The Trustee shall be under no obligation to exercise any
of the trusts or powers vested in it by this Agreement or to institute,
conduct or defend any litigation hereunder or in relation hereto at the
request, order or direction of any of the Certificateholders, pursuant
to the provisions of this Agreement, unless such Certificateholders
shall have offered to the Trustee reasonable security or indemnity
against the costs, expenses and liabilities which may be incurred
therein or thereby; nothing contained herein shall, however, relieve
the Trustee of the obligation, upon the occurrence of an Event of
Default (which has not been cured), to exercise such of the rights and
powers vested in it by this Agreement, and to use the same degree of
care and skill in their exercise as a prudent investor would exercise
or use under the circumstances in the conduct of such investor's own
affairs;
(iv) The Trustee shall not be personally liable for any action
taken, suffered or omitted by it in good faith and believed by it to be
authorized or within the discretion or rights or powers conferred upon
it by this Agreement;
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(v) Prior to the occurrence of an Event of Default hereunder
and after the curing of all Events of Default which may have occurred,
the Trustee shall not be bound to make any investigation into the facts
or matters stated in any resolution, certificate, statement,
instrument, opinion, report, notice, request, consent, order, approval,
bond or other paper or document, unless requested in writing so to do
by Holders of Certificates of any Class evidencing, as to such Class,
Percentage Interests, aggregating not less than 50%; provided, however,
that if the payment within a reasonable time to the Trustee of the
costs, expenses or liabilities likely to be incurred by it in the
making of such investigation is, in the opinion of the Trustee, not
reasonably assured to the Trustee by the security afforded to it by the
terms of this Agreement, the Trustee may require reasonable indemnity
against such expense or liability as a condition to so proceeding. The
reasonable expense of every such examination shall be paid by the
Master Servicer, if an Event of Default shall have occurred and is
continuing, and otherwise by the Certificateholder requesting the
investigation;
(vi) The Trustee may execute any of the trusts or
powers hereunder or perform any duties hereunder either
directly or by or through agents or attorneys; and
(vii) To the extent authorized under the Code and the
regulations promulgated thereunder, each Holder of a Class R
Certificate hereby irrevocably appoints and authorizes the Trustee to
be its attorney-in-fact for purposes of signing any Tax Returns
required to be filed on behalf of the Trust Fund. The Trustee shall
sign on behalf of the Trust Fund and deliver to the Master Servicer in
a timely manner any Tax Returns prepared by or on behalf of the Master
Servicer that the Trustee is required to sign as determined by the
Master Servicer pursuant to applicable federal, state or local tax
laws, provided that the Master Servicer shall indemnify the Trustee for
signing any such Tax Returns that contain errors or omissions.
(b) Following the issuance of the Certificates, the Trustee shall not
accept any contribution of assets to the Trust Fund unless (subject to Section
10.01(f)) it shall have obtained or been furnished with an Opinion of Counsel to
the effect that such contribution will not (i) cause the Trust Fund to fail to
qualify as a REMIC at any time that any Certificates are outstanding or (ii)
cause the Trust Fund to be subject to any federal tax as a result of such
contribution (including the imposition of any federal tax on "prohibited
transactions" imposed under Section 860F(a) of the Code).
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Section 8.03. Trustee Not Liable for Certificates or
Mortgage Loans.
The recitals contained herein and in the Certificates (other than the
execution of the Certificates and relating to the acceptance and receipt of the
Mortgage Loans) shall be taken as the statements of the Company or the Master
Servicer as the case may be, and the Trustee assumes no responsibility for their
correctness. The Trustee makes no representations as to the validity or
sufficiency of this Agreement or of the Certificates (except that the
Certificates shall be duly and validly executed and authenticated by it as
Certificate Registrar) or of any Mortgage Loan or related document. Except as
otherwise provided herein, the Trustee shall not be accountable for the use or
application by the Company or the Master Servicer of any of the Certificates or
of the proceeds of such Certificates, or for the use or application of any funds
paid to the Company or the Master Servicer in respect of the Mortgage Loans or
deposited in or withdrawn from the Custodial Account or the Certificate Account
by the Company or the Master Servicer.
Section 8.04. Trustee May Own Certificates.
The Trustee in its individual or any other capacity may become the
owner or pledgee of Certificates with the same rights it would have if it were
not Trustee.
Section 8.05. Master Servicer to Pay Trustee's Fees
and Expenses; Indemnification.
(a) The Master Servicer covenants and agrees to pay to the Trustee and
any co-trustee from time to time, and the Trustee and any co-trustee shall be
entitled to, reasonable compensation (which shall not be limited by any
provision of law in regard to the compensation of a trustee of an express trust)
for all services rendered by each of them in the execution of the trusts hereby
created and in the exercise and performance of any of the powers and duties
hereunder of the Trustee and any co-trustee, and the Master Servicer will pay or
reimburse the Trustee and any co-trustee upon request for all reasonable
expenses, disbursements and advances incurred or made by the Trustee or any
co-trustee in accordance with any of the provisions of this Agreement (including
the reasonable compensation and the expenses and disbursements of its counsel
and of all persons not regularly in its employ, and the expenses incurred by the
Trustee or any co-trustee in connection with the appointment of an office or
agency pursuant to Section 8.12) except any such expense, disbursement or
advance as may arise from its negligence or bad faith.
(b) The Master Servicer agrees to indemnify the Trustee for, and to
hold the Trustee harmless against, any loss, liability or expense incurred
without negligence or willful
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misconduct on its part, arising out of, or in connection with, the acceptance
and administration of the Trust Fund, including the costs and expenses
(including reasonable legal fees and expenses) of defending itself against any
claim in connection with the exercise or performance of any of its powers or
duties under this Agreement and the Custodial Agreement, provided that:
(i) with respect to any such claim, the Trustee shall have
given the Master Servicer written notice thereof promptly after the
Trustee shall have actual knowledge thereof;
(ii) while maintaining control over its own defense, the
Trustee shall cooperate and consult fully with the Master Servicer in
preparing such defense; and
(iii) notwithstanding anything in this Agreement to the
contrary, the Master Servicer shall not be liable for settlement of any
claim by the Trustee entered into without the prior consent of the
Master Servicer which consent shall not be unreasonably withheld.
No termination of this Agreement shall affect the obligations created by this
Section 8.05(b) of the Master Servicer to indemnify the Trustee under the
conditions and to the extent set forth herein.
Notwithstanding the foregoing, the indemnification provided by the
Master Servicer in this Section 8.05(b) shall not pertain to any loss, liability
or expense of the Trustee, including the costs and expenses of defending itself
against any claim, incurred in connection with any actions taken by the Trustee
at the direction of the Certificateholders pursuant to the terms of this
Agreement.
Section 8.06. Eligibility Requirements for Trustee.
The Trustee hereunder shall at all times be a corporation or a national
banking association having its principal office in a state and city acceptable
to the Company and organized and doing business under the laws of such state or
the United States of America, authorized under such laws to exercise corporate
trust powers, having a combined capital and surplus of at least $50,000,000 and
subject to supervision or examination by federal or state authority. If such
corporation or national banking association publishes reports of condition at
least annually, pursuant to law or to the requirements of the aforesaid
supervising or examining authority, then for the purposes of this Section the
combined capital and surplus of such corporation shall be deemed to be its
combined capital and surplus as set forth in its most recent report of condition
so published. In case at any time the Trustee shall cease to be eligible in
accordance with the provisions of this Section, the Trustee shall
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resign immediately in the manner and with the effect specified in
Section 8.07.
Section 8.07. Resignation and Removal of the Trustee.
(a) The Trustee may at any time resign and be discharged from the
trusts hereby created by giving written notice thereof to the Company. Upon
receiving such notice of resignation, the Company shall promptly appoint a
successor trustee by written instrument, in duplicate, one copy of which
instrument shall be delivered to the resigning Trustee and one copy to the
successor trustee. If no successor trustee shall have been so appointed and have
accepted appointment within 30 days after the giving of such notice of
resignation, the resigning Trustee may petition any court of competent
jurisdiction for the appointment of a successor trustee.
(b) If at any time the Trustee shall cease to be eligible in accordance
with the provisions of Section 8.06 and shall fail to resign after written
request therefor by the Company, or if at any time the Trustee shall become
incapable of acting, or shall be adjudged bankrupt or insolvent, or a receiver
of the Trustee or of its property shall be appointed, or any public officer
shall take charge or control of the Trustee or of its property or affairs for
the purpose of rehabilitation, conservation or liquidation, then the Company may
remove the Trustee and appoint a successor trustee by written instrument, in
duplicate, one copy of which instrument shall be delivered to the Trustee so
removed and one copy to the successor trustee. In addition, in the event that
the Company determines that the Trustee has failed (i) to distribute or cause to
be distributed to the Certificateholders any amount required to be distributed
hereunder, if such amount is held by the Trustee or its Paying Agent (other than
the Master Servicer or the Company) for distribution or (ii) to otherwise
observe or perform in any material respect any of its covenants, agreements or
obligations hereunder, and such failure shall continue unremedied for a period
of 5 days (in respect of clause (i) above) or 30 days (in respect of clause (ii)
above) after the date on which written notice of such failure, requiring that
the same be remedied, shall have been given to the Trustee by the Company, then
the Company may remove the Trustee and appoint a successor trustee by written
instrument delivered as provided in the preceding sentence. In connection with
the appointment of a successor trustee pursuant to the preceding sentence, the
Company shall, on or before the date on which any such appointment becomes
effective, obtain from each Rating Agency written confirmation that the
appointment of any such successor trustee will not result in the reduction of
the ratings on any class of the Certificates below the lesser of the then
current or original ratings on such Certificates.
(c) The Holders of Certificates entitled to at least 51% of
the Voting Rights may at any time remove the Trustee and appoint
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a successor trustee by written instrument or instruments, in triplicate, signed
by such Holders or their attorneys-in-fact duly authorized, one complete set of
which instruments shall be delivered to the Company, one complete set to the
Trustee so removed and one complete set to the successor so appointed.
(d) Any resignation or removal of the Trustee and appointment of a
successor trustee pursuant to any of the provisions of this Section shall become
effective upon acceptance of appointment by the successor trustee as provided in
Section 8.08.
Section 8.08. Successor Trustee.
(a) Any successor trustee appointed as provided in Section 8.07 shall
execute, acknowledge and deliver to the Company and to its predecessor trustee
an instrument accepting such appointment hereunder, and thereupon the
resignation or removal of the predecessor trustee shall become effective and
such successor trustee shall become effective and such successor trustee,
without any further act, deed or conveyance, shall become fully vested with all
the rights, powers, duties and obligations of its predecessor hereunder, with
the like effect as if originally named as trustee herein. The predecessor
trustee shall deliver to the successor trustee all Mortgage Files and related
documents and statements held by it hereunder (other than any Mortgage Files at
the time held by a Custodian, which shall become the agent of any successor
trustee hereunder), and the Company, the Master Servicer and the predecessor
trustee shall execute and deliver such instruments and do such other things as
may reasonably be required for more fully and certainly vesting and confirming
in the successor trustee all such rights, powers, duties and obligations.
(b) No successor trustee shall accept appointment as provided in this
Section unless at the time of such acceptance such successor trustee shall be
eligible under the provisions of Section 8.06.
(c) Upon acceptance of appointment by a successor trustee as provided
in this Section, the Company shall mail notice of the succession of such trustee
hereunder to all Holders of Certificates at their addresses as shown in the
Certificate Register. If the Company fails to mail such notice within 10 days
after acceptance of appointment by the successor trustee, the successor trustee
shall cause such notice to be mailed at the expense of the Company.
Section 8.09. Merger or Consolidation of Trustee.
Any corporation or national banking association into which the Trustee
may be merged or converted or with which it may be consolidated or any
corporation or national banking association
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resulting from any merger, conversion or consolidation to which the Trustee
shall be a party, or any corporation or national banking association succeeding
to the business of the Trustee, shall be the successor of the Trustee hereunder,
provided such corporation or national banking association shall be eligible
under the provisions of Section 8.06, without the execution or filing of any
paper or any further act on the part of any of the parties hereto, anything
herein to the contrary notwithstanding. The Trustee shall mail notice of any
such merger or consolidation to the Certificateholders at their address as shown
in the Certificate Register.
Section 8.10. Appointment of Co-Trustee or Separate
Trustee.
(a) Notwithstanding any other provisions hereof, at any time, for the
purpose of meeting any legal requirements of any jurisdiction in which any part
of the Trust Fund or property securing the same may at the time be located, the
Master Servicer and the Trustee acting jointly shall have the power and shall
execute and deliver all instruments to appoint one or more Persons approved by
the Trustee to act as co-trustee or co-trustees, jointly with the Trustee, or
separate trustee or separate trustees, of all or any part of the Trust Fund, and
to vest in such Person or Persons, in such capacity, such title to the Trust
Fund, or any part thereof, and, subject to the other provisions of this Section
8.10, such powers, duties, obligations, rights and trusts as the Master Servicer
and the Trustee may consider necessary or desirable. If the Master Servicer
shall not have joined in such appointment within 15 days after the receipt by it
of a request so to do, or in case an Event of Default shall have occurred and be
continuing, the Trustee alone shall have the power to make such appointment. No
co-trustee or separate trustee hereunder shall be required to meet the terms of
eligibility as a successor trustee under Section 8.06 hereunder and no notice to
Holders of Certificates of the appointment of co-trustee(s) or separate
trustee(s) shall be required under Section 8.08 hereof.
(b) In the case of any appointment of a co-trustee or separate trustee
pursuant to this Section 8.10 all rights, powers, duties and obligations
conferred or imposed upon the Trustee shall be conferred or imposed upon and
exercised or performed by the Trustee, and such separate trustee or co-trustee
jointly, except to the extent that under any law of any jurisdiction in which
any particular act or acts are to be performed (whether as Trustee hereunder or
as successor to the Master Servicer hereunder), the Trustee shall be incompetent
or unqualified to perform such act or acts, in which event such rights, powers,
duties and obligations (including the holding of title to the Trust Fund or any
portion thereof in any such jurisdiction) shall be exercised and performed by
such separate trustee or co-trustee at the direction of the Trustee.
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(c) Any notice, request or other writing given to the Trustee shall be
deemed to have been given to each of the then separate trustees and co-trustees,
as effectively as if given to each of them. Every instrument appointing any
separate trustee or co-trustee shall refer to this Agreement and the conditions
of this Article VIII. Each separate trustee and co-trustee, upon its acceptance
of the trusts conferred, shall be vested with the estates or property specified
in its instrument of appointment, either jointly with the Trustee or separately,
as may be provided therein, subject to all the provisions of this Agreement,
specifically including every provision of this Agreement relating to the conduct
of, affecting the liability of, or affording protection to, the Trustee. Every
such instrument shall be filed with the Trustee.
(d) Any separate trustee or co-trustee may, at any time, constitute the
Trustee, its agent or attorney-in-fact, with full power and authority, to the
extent not prohibited by law, to do any lawful act under or in respect of this
Agreement on its behalf and in its name. If any separate trustee or co-trustee
shall die, become incapable of acting, resign or be removed, all of its estates,
properties, rights, remedies and trusts shall vest in and be exercised by the
Trustee, to the extent permitted by law, without the appointment of a new or
successor trustee.
Section 8.11. Appointment of Custodians.
The Trustee may, with the consent of the Master Servicer and the
Company, appoint one or more Custodians who are not Affiliates of the Company,
the Master Servicer or any Seller to hold all or a portion of the Mortgage Files
as agent for the Trustee, by entering into a Custodial Agreement. Subject to
Article VIII, the Trustee agrees to comply with the terms of each Custodial
Agreement and to enforce the terms and provisions thereof against the Custodian
for the benefit of the Certificateholders. Each Custodian shall be a depository
institution subject to supervision by federal or state authority, shall have a
combined capital and surplus of at least $15,000,000 and shall be qualified to
do business in the jurisdiction in which it holds any Mortgage File. Each
Custodial Agreement may be amended only as provided in Section 11.01. The
Trustee shall notify the Certificateholders of the appointment of any Custodian
(other than the Custodian appointed as of the Closing Date) pursuant to this
Section 8.11.
Section 8.12. Appointment of Office or Agency.
The Trustee will maintain an office or agency in the City of New York
where Certificates may be surrendered for registration of transfer or exchange.
The Trustee initially designates its offices located at Four Albany Street, New
York, New York, 10006, for the purpose of keeping the Certificate Register. The
Trustee will maintain an office at the address stated in Section 11.05(c) hereof
where notices and demands to or upon the Trustee in respect of this Agreement
may be served.
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ARTICLE IX
TERMINATION
Section 9.01. Termination Upon Purchase by the Master
Servicer or the Company or Liquidation of All
Mortgage Loans.
(a) Subject to Section 9.02, the respective obligations and
responsibilities of the Company, the Master Servicer and the Trustee created
hereby in respect of the Certificates (other than the obligation of the Trustee
to make certain payments after the Final Distribution Date to Certificateholders
and the obligation of the Company to send certain notices as hereinafter set
forth) shall terminate upon the last action required to be taken by the Trustee
on the Final Distribution Date pursuant to this Article IX following the earlier
of:
(i) the later of the final payment or other liquidation (or
any Advance with respect thereto) of the last Mortgage Loan remaining
in the Trust Fund or the disposition of all property acquired upon
foreclosure or deed in lieu of foreclosure of any Mortgage Loan, or
(ii) the purchase by the Master Servicer or the Company of all
Mortgage Loans and all property acquired in respect of any Mortgage
Loan remaining in the Trust Fund at a price equal to 100% of the unpaid
principal balance of each Mortgage Loan or, if less than such unpaid
principal balance, the fair market value of the related underlying
property of such Mortgage Loan with respect to Mortgage Loans as to
which title has been acquired if such fair market value is less than
such unpaid principal balance (net of any unreimbursed Advances
attributable to principal) on the day of repurchase plus accrued
interest thereon at the Net Mortgage Rate to, but not including, the
first day of the month in which such repurchase price is distributed,
provided, however, that in no event shall the trust created hereby
continue beyond the expiration of 21 years from the death of the last
survivor of the descendants of Joseph P. Kennedy, the late ambassador
of the United States to the Court of St. James, living on the date
hereof and provided further that the purchase price set forth above
shall be increased as is necessary, as determined by the Master
Servicer, to avoid disqualification of the Trust Fund as a REMIC.
The right of the Master Servicer or the Company to purchase all the
assets of the Trust Fund pursuant to clause (ii) above is conditioned upon the
Pool Stated Principal Balance as of the Final Distribution Date being less than
ten percent of the Cut-off Date Principal Balance of the Mortgage Loans. If such
right is exercised by the Master Servicer, the Master Servicer
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shall be deemed to have been reimbursed for the full amount of any unreimbursed
Advances theretofore made by it with respect to the Mortgage Loans. In addition,
the Master Servicer or the Company, as applicable, shall provide to the Trustee
the certification required by Section 3.15 and the Trustee and any Custodian
shall, promptly following payment of the purchase price, release to the Master
Servicer or the Company, as applicable, the Mortgage Files pertaining to the
Mortgage Loans being purchased.
(b) The Master Servicer or, in the case of a final distribution as a
result of the exercise by the Company of its right to purchase the assets of the
Trust Fund, the Company shall give the Trustee not less than 60 days' prior
notice of the Distribution Date on which the Master Servicer or the Company, as
applicable, anticipates that the final distribution will be made to
Certificateholders (whether as a result of the exercise by the Master Servicer
or the Company of its right to purchase the assets of the Trust Fund or
otherwise). Notice of any termination, specifying the anticipated Final
Distribution Date (which shall be a date that would otherwise be a Distribution
Date) upon which the Certificateholders may surrender their Certificates to the
Trustee (if so required by the terms hereof) for payment of the final
distribution and cancellation, shall be given promptly by the Master Servicer or
the Company, as applicable (if it is exercising its right to purchase the assets
of the Trust Fund), or by the Trustee (in any other case) by letter to the
Certificateholders mailed not earlier than the 15th day and not later than the
25th day of the month next preceding the month of such final distribution
specifying:
(i) the anticipated Final Distribution Date upon which final
payment of the Certificates is anticipated to be made upon presentation
and surrender of Certificates at the office or agency of the Trustee
therein designated,
(ii) the amount of any such final payment, if
known, and
(iii) that the Record Date otherwise applicable to such
Distribution Date is not applicable, and in the case of the Class A,
Class M and Class R Certificates, that payment will be made only upon
presentation and surrender of the Certificates at the office or agency
of the Trustee therein specified.
If the Master Servicer or the Company, as applicable, is obligated to give
notice to Certificateholders as aforesaid, it shall give such notice to the
Certificate Registrar at the time such notice is given to Certificateholders. In
the event such notice is given by the Master Servicer or the Company, the Master
Servicer or the Company, as applicable, shall deposit in the Certificate Account
before the Final Distribution Date in
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immediately available funds an amount equal to the purchase price for the assets
of the Trust Fund computed as above provided.
(c) In the case of the Class A, Class M and the Class R Certificates,
upon presentation and surrender of the Certificates by the Certificateholders
thereof, the Trustee shall distribute to the Certificateholders (i) the amount
otherwise distributable on such Distribution Date, if not in connection with the
Master Servicer's or the Company's election to repurchase, or (ii) if the Master
Servicer or the Company elected to so repurchase, an amount determined as
follows: (A) with respect to each Certificate the outstanding Certificate
Principal Balance thereof, plus Accrued Certificate Interest for the related
Interest Accrual Period thereon and any previously unpaid Accrued Certificate
Interest, subject to the priority set forth in Section 4.02(a), and (B) with
respect to the Class R Certificates, any excess of the amounts available for
distribution (including the repurchase price specified in clause (ii) of
subsection (a) of this Section) over the total amount distributed under the
immediately preceding clause (A).
(d) In the event that any Certificateholders shall not surrender their
Certificates for final payment and cancellation on or before the Final
Distribution Date (if so required by the terms hereof), the Trustee shall on
such date cause all funds in the Certificate Account not distributed in final
distribution to Certificateholders to be withdrawn therefrom and credited to the
remaining Certificateholders by depositing such funds in a separate escrow
account for the benefit of such Certificateholders, and the Master Servicer or
the Company, as applicable (if it exercised its right to purchase the assets of
the Trust Fund), or the Trustee (in any other case) shall give a second written
notice to the remaining Certificateholders to surrender their Certificates for
cancellation and receive the final distribution with respect thereto. If within
six months after the second notice any Certificate shall not have been
surrendered for cancellation, the Trustee shall take appropriate steps as
directed by the Master Servicer or the Company, as applicable, to contact the
remaining Certificateholders concerning surrender of their Certificates. The
costs and expenses of maintaining the escrow account and of contacting
Certificateholders shall be paid out of the assets which remain in the escrow
account. If within nine months after the second notice any Certificates shall
not have been surrendered for cancellation, the Trustee shall pay to the Master
Servicer or the Company, as applicable, all amounts distributable to the holders
thereof and the Master Servicer or the Company, as applicable, shall thereafter
hold such amounts until distributed to such holders. No interest shall accrue or
be payable to any Certificateholder on any amount held in the escrow account or
by the Master Servicer or the Company, as applicable, as a result of such
Certificateholder's failure to surrender its Certificate(s) for final payment
thereof in accordance with this Section 9.01.
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Section 9.02. Additional Termination Requirements.
(a) The Trust Fund shall be terminated in accordance with the following
additional requirements, unless (subject to Section 10.01(f)) the Trustee and
the Master Servicer have received an Opinion of Counsel (which Opinion of
Counsel shall not be an expense of the Trustee) to the effect that the failure
of the Trust Fund to comply with the requirements of this Section 9.02 will not
(i) result in the imposition on the Trust of taxes on "prohibited transactions,"
as described in Section 860F of the Code, or (ii) cause the Trust Fund to fail
to qualify as a REMIC at any time that any Certificate is outstanding:
(i) The Master Servicer shall establish a 90-day liquidation
period for the Trust Fund, as the case may be, and specify the first
day of such period in a statement attached to the Trust Fund's final
Tax Return pursuant to Treasury regulations Section 1.860F-1. The
Master Servicer also shall satisfy all of the requirements of a
qualified liquidation for the Trust Fund, as the case may be, under
Section 860F of the Code and regulations thereunder;
(ii) The Master Servicer shall notify the Trustee at the
commencement of such 90-day liquidation period and, at or prior to the
time of making of the final payment on the Certificates, the Trustee
shall sell or otherwise dispose of all of the remaining assets of the
Trust Fund in accordance with the terms hereof; and
(iii) If the Master Servicer or the Company is exercising its
right to purchase the assets of the Trust Fund, the Master Servicer
shall, during the 90-day liquidation period and at or prior to the
Final Distribution Date, purchase all of the assets of the Trust Fund
for cash; provided, however, that in the event that a calendar quarter
ends after the commencement of the 90-day liquidation period but prior
to the Final Distribution Date, the Master Servicer or the Company
shall not purchase any of the assets of the Trust Fund prior to the
close of that calendar quarter.
(b) Each Holder of a Certificate and the Trustee hereby irrevocably
approves and appoints the Master Servicer as its attorney-in-fact to adopt a
plan of complete liquidation for the Trust Fund at the expense of the Trust Fund
in accordance with the terms and conditions of this Agreement.
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ARTICLE X
REMIC PROVISIONS
Section 10.01. REMIC Administration.
(a) The REMIC Administrator shall make an election to treat
the Trust Fund as a REMIC under the Code and, if necessary, under applicable
state law. Such election will be made on Form 1066 or other appropriate federal
tax or information return (including Form 8811) or any appropriate state return
for the taxable year ending on the last day of the calendar year in which the
Certificates are issued. For the purposes of the REMIC election in respect of
the Trust Fund, each of the Class A (other than the Class A-7 Certificates),
Class M and Class B Certificates and the Uncertificated REMIC Regular Interests
shall be designated as the "regular interests" and the Class R Certificates
shall be designated as the sole class of "residual interests" in the REMIC. The
REMIC Administrator and the Trustee shall not permit the creation of any
"interests" (within the meaning of Section 860G of the Code) in the REMIC other
than the Certificates and the Uncertificated REMIC Regular Interests.
(b) The Closing Date is hereby designated as the "startup day"
of the Trust Fund within the meaning of Section 860G(a)(9) of the Code.
(c) The REMIC Administrator shall hold a Class R Certificate
representing a 0.01% Percentage Interest of all Class R Certificates and shall
be designated as "the tax matters person" with respect to the REMIC in the
manner provided under Treasury regulations section 1.860F-4(d) and temporary
Treasury regulations section 301.6231(a)(7)-1T. Residential Funding, as tax
matters person, shall (i) act on behalf of the REMIC in relation to any tax
matter or controversy involving the Trust Fund and (ii) represent the Trust Fund
in any administrative or judicial proceeding relating to an examination or audit
by any governmental taxing authority with respect thereto. The legal expenses,
including without limitation attorneys' or accountants' fees, and costs of any
such proceeding and any liability resulting therefrom shall be expenses of the
Trust Fund and the REMIC Administrator shall be entitled to reimbursement
therefor out of amounts attributable to the Mortgage Loans on deposit in the
Custodial Account as provided by Section 3.10 unless such legal expenses and
costs are incurred by reason of the REMIC Administrator's willful misfeasance,
bad faith or gross negligence. If the REMIC Administrator is no longer the
Master Servicer hereunder, at its option the REMIC Administrator may continue
its duties as REMIC Administrator and shall be paid reasonable compensation not
to exceed $3,000 per year by any successor Master Servicer hereunder for so
acting as the REMIC Administrator.
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(d) The REMIC Administrator shall prepare or cause to be
prepared all of the Tax Returns that it determines are required with respect to
the REMIC created hereunder and deliver such Tax Returns in a timely manner to
the Trustee and the Trustee shall sign and file such Tax Returns in a timely
manner. The expenses of preparing such returns shall be borne by the REMIC
Administrator without any right of reimbursement therefor. The REMIC
Administrator agrees to indemnify and hold harmless the Trustee with respect to
any tax or liability arising from the Trustee's signing of Tax Returns that
contain errors or omissions. The Trustee and Master Servicer shall promptly
provide the REMIC Administrator with such information as the REMIC Administrator
may from time to time request for the purpose of enabling the REMIC
Administrator to prepare Tax Returns.
(e) The REMIC Administrator shall provide (i) to any
Transferor of a Class R Certificate such information as is necessary for the
application of any tax relating to the transfer of a Class R Certificate to any
Person who is not a Permitted Transferee, (ii) to the Trustee and the Trustee
shall forward to the Certificateholders such information or reports as are
required by the Code or the REMIC Provisions including reports relating to
interest, original issue discount and market discount or premium (using the
Prepayment Assumption) and (iii) to the Internal Revenue Service the name,
title, address and telephone number of the person who will serve as the
representative of each of the REMIC.
(f) The Master Servicer and the REMIC Administrator shall take
such actions and shall cause the REMIC created hereunder to take such actions as
are reasonably within the Master Servicer's or the REMIC Administrator's control
and the scope of its duties more specifically set forth herein as shall be
necessary or desirable to maintain the status thereof as a REMIC under the REMIC
Provisions (and the Trustee shall assist the Master Servicer and the REMIC
Administrator, to the extent reasonably requested by the Master Servicer and the
REMIC Administrator to do so). The Master Servicer and the REMIC Administrator
shall not knowingly or intentionally take any action, cause the Trust Fund to
take any action or fail to take (or fail to cause to be taken) any action
reasonably within their respective control that, under the REMIC Provisions, if
taken or not taken, as the case may be, could (i) endanger the status of the
REMIC as a REMIC or (ii) result in the imposition of a tax upon the REMIC
(including but not limited to the tax on prohibited transactions as defined in
Section 860F(a)(2) of the Code and the tax on contributions to a REMIC set forth
in Section 860G(d) of the Code) (either such event, in the absence of an Opinion
of Counsel or the indemnification referred to in this sentence, an "Adverse
REMIC Event") unless the Master Servicer or the REMIC Administrator, as
applicable, has received an Opinion of Counsel (at the expense of the party
seeking to take such action or, if such party fails to pay such expense, and the
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Master Servicer or the REMIC Administrator, as applicable, determines that
taking such action is in the best interest of the Trust Fund and the
Certificateholders, at the expense of the Trust Fund, but in no event at the
expense of the Master Servicer, the REMIC Administrator or the Trustee) to the
effect that the contemplated action will not, with respect to the REMIC created
hereunder, endanger such status or, unless the Master Servicer, the REMIC
Administrator or both, as applicable, determine in its or their sole discretion
to indemnify the Trust Fund against the imposition of such a tax, result in the
imposition of such a tax. Wherever in this Agreement a contemplated action may
not be taken because the timing of such action might result in the imposition of
a tax on the Trust Fund, or may only be taken pursuant to an Opinion of Counsel
that such action would not impose a tax on the Trust Fund, such action may
nonetheless be taken provided that the indemnity given in the preceding sentence
with respect to any taxes that might be imposed on the Trust Fund has been given
and that all other preconditions to the taking of such action have been
satisfied. The Trustee shall not take or fail to take any action (whether or not
authorized hereunder) as to which the Master Servicer or the REMIC
Administrator, as applicable, has advised it in writing that it has received an
Opinion of Counsel to the effect that an Adverse REMIC Event could occur with
respect to such action. In addition, prior to taking any action with respect to
the REMIC or its assets, or causing the REMIC to take any action, which is not
expressly permitted under the terms of this Agreement, the Trustee will consult
with the Master Servicer or the REMIC Administrator, as applicable, or its
designee, in writing, with respect to whether such action could cause an Adverse
REMIC Event to occur with respect to the REMIC, and the Trustee shall not take
any such action or cause the REMIC to take any such action as to which the
Master Servicer or the REMIC Administrator, as applicable, has advised it in
writing that an Adverse REMIC Event could occur. The Master Servicer or the
REMIC Administrator, as applicable, may consult with counsel to make such
written advice, and the cost of same shall be borne by the party seeking to take
the action not expressly permitted by this Agreement, but in no event at the
expense of the Master Servicer or the REMIC Administrator. At all times as may
be required by the Code, the Master Servicer will to the extent within its
control and the scope of its duties more specifically set forth herein, maintain
substantially all of the assets of the REMIC as "qualified mortgages" as defined
in Section 860G(a)(3) of the Code and "permitted investments" as defined in
Section 860G(a)(5) of the Code.
(g) In the event that any tax is imposed on "prohibited
transactions" of the REMIC created hereunder as defined in Section 860F(a)(2) of
the Code, on "net income from foreclosure property" of the REMIC as defined in
Section 860G(c) of the Code, on any contributions to the REMIC after the Startup
Day therefor pursuant to Section 860G(d) of the Code, or any
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other tax is imposed by the Code or any applicable provisions of state or local
tax laws, such tax shall be charged (i) to the Master Servicer, if such tax
arises out of or results from a breach by the Master Servicer of any of its
obligations under this Agreement or the Master Servicer has in its sole
discretion determined to indemnify the Trust Fund against such tax, (ii) to the
Trustee, if such tax arises out of or results from a breach by the Trustee of
any of its obligations under this Article X, or (iii) otherwise against amounts
on deposit in the Custodial Account as provided by Section 3.10 and on the
Distribution Date(s) following such reimbursement the aggregate of such taxes
shall be allocated in reduction of the Accrued Certificate Interest on each
Class entitled thereto in the same manner as if such taxes constituted a
Prepayment Interest Shortfall.
(h) The Trustee and the Master Servicer shall, for federal
income tax purposes, maintain books and records with respect to the REMIC on a
calendar year and on an accrual basis or as otherwise may be required by the
REMIC Provisions.
(i) Following the Startup Day, neither the Master Servicer nor
the Trustee shall accept any contributions of assets to the REMIC unless
(subject to Section 10.01(f)) the Master Servicer and the Trustee shall have
received an Opinion of Counsel (at the expense of the party seeking to make such
contribution) to the effect that the inclusion of such assets in the REMIC will
not cause the REMIC to fail to qualify as a REMIC at any time that any
Certificates are outstanding or subject the REMIC to any tax under the REMIC
Provisions or other applicable provisions of federal, state and local law or
ordinances.
(j) Neither the Master Servicer nor the Trustee shall (subject
to Section 10.01(f)) enter into any arrangement by which the REMIC will receive
a fee or other compensation for services nor permit the REMIC to receive any
income from assets other than "qualified mortgages" as defined in Section
860G(a)(3) of the Code or "permitted investments" as defined in Section
860G(a)(5) of the Code.
(k) Solely for the purposes of Section 1.860G-1(a)(4)(iii) of
the Treasury Regulations, the "latest possible maturity date" by which the
Certificate Principal Balance of each Class of Certificates (other than the
Class A-7 Certificates) representing a regular interest in the REMIC would be
reduced to zero is June 25, 2012, which is the Distribution Date immediately
following the latest scheduled maturity of any Mortgage Loan. The latest
possible Maturity Date for each Uncertificated REMIC Regular Interest is June
25, 2012, which is the Distribution Date immediately following the latest
scheduled maturity date of any Mortgage Loan.
(l) Within 30 days after the Closing Date, the REMIC
Administrator shall prepare and file with the Internal Revenue
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Service Form 8811, "Information Return for Real Estate Mortgage
Investment Conduits (REMIC) and Issuers of Collateralized Debt
Obligations" for the REMIC.
(m) Neither the Trustee nor the Master Servicer shall sell,
dispose of or substitute for any of the Mortgage Loans (except in connection
with (i) the default, imminent default or foreclosure of a Mortgage Loan,
including but not limited to, the acquisition or sale of a Mortgaged Property
acquired by deed in lieu of foreclosure, (ii) the bankruptcy of the REMIC, (iii)
the termination of the REMIC pursuant to Article IX of this Agreement or (iv) a
purchase of Mortgage Loans pursuant to Article II or III of this Agreement) nor
acquire any assets for the REMIC, nor sell or dispose of any investments in the
Custodial Account or the Certificate Account for gain nor accept any
contributions to the REMIC after the Closing Date unless it has received an
Opinion of Counsel that such sale, disposition, substitution or acquisition will
not (a) affect adversely the status of the REMIC as a REMIC or (b) unless the
Master Servicer has determined in its sole discretion to indemnify the Trust
Fund against such tax, cause the REMIC to be subject to a tax on "prohibited
transactions" or "contributions" pursuant to the REMIC Provisions.
Section 10.02. Master Servicer, REMIC Administrator and
Trustee Indemnification.
(a) The Trustee agrees to indemnify the Trust Fund, the
Company, the REMIC Administrator and the Master Servicer for any taxes and costs
including, without limitation, any reasonable attorneys fees imposed on or
incurred by the Trust Fund, the Company or the Master Servicer, as a result of a
breach of the Trustee's covenants set forth in Article VIII or this Article X.
(b) The REMIC Administrator agrees to indemnify the Trust
Fund, the Company, the Master Servicer and the Trustee for any taxes and costs
(including, without limitation, any reasonable attorneys' fees) imposed on or
incurred by the Trust Fund, the Company, the Master Servicer or the Trustee, as
a result of a breach of the REMIC Administrator's covenants set forth in this
Article X and with respect to compliance with the REMIC Provisions, including
without limitation, any penalties arising from the Trustee's execution of Tax
Returns prepared by the REMIC Administrator that contain errors or omissions;
provided, however, that such liability will not be imposed to the extent such
breach is a result of an error or omission in information provided to the REMIC
Administrator by the Master Servicer in which case Section 10.02(c) will apply.
(c) The Master Servicer agrees to indemnify the Trust Fund,
the Company, the REMIC Administrator and the Trustee for any taxes and costs
(including, without limitation, any reasonable attorneys' fees) imposed on or
incurred by the Trust
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Fund, the Company, the REMIC Administrator or the Trustee, as a result of a
breach of the Master Servicer's covenants set forth in this Article X or in
Article III with respect to compliance with the REMIC Provisions, including
without limitation, any penalties arising from the Trustee's execution of Tax
Returns prepared by the Master Servicer that contain errors or omissions.
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ARTICLE XI
MISCELLANEOUS PROVISIONS
Section 11.01. Amendment.
(a) This Agreement or any Custodial Agreement may be
amended from time to time by the Company, the Master Servicer and
the Trustee, without the consent of any of the
Certificateholders:
(i) to cure any ambiguity,
(ii) to correct or supplement any provisions
herein or therein, which may be inconsistent with any other
provisions herein or therein or to correct any error,
(iii) to modify, eliminate or add to any of its provisions to
such extent as shall be necessary or desirable to maintain the
qualification of the Trust Fund as a REMIC at all times that any
Certificate is outstanding or to avoid or minimize the risk of the
imposition of any tax on the Trust Fund pursuant to the Code that would
be a claim against the Trust Fund, provided that the Trustee has
received an Opinion of Counsel to the effect that (A) such action is
necessary or desirable to maintain such qualification or to avoid or
minimize the risk of the imposition of any such tax and (B) such action
will not adversely affect in any material respect the interests of any
Certificateholder,
(iv) to change the timing and/or nature of deposits into the
Custodial Account or the Certificate Account or to change the name in
which the Custodial Account is maintained, provided that (A) the
Certificate Account Deposit Date shall in no event be later than the
related Distribution Date, (B) such change shall not, as evidenced by
an Opinion of Counsel, adversely affect in any material respect the
interests of any Certificateholder and (C) such change shall not result
in a reduction of the rating assigned to any Class of Certificates
below the lower of the then-current rating or the rating assigned to
such Certificates as of the Closing Date, as evidenced by a letter from
each Rating Agency to such effect,
(v) to modify, eliminate or add to the provisions of Section
5.02(f) or any other provision hereof restricting transfer of the Class
R Certificates, by virtue of their being the "residual interests" in
the REMIC, respectively, provided that (A) such change shall not result
in reduction of the rating assigned to any such Class of Certificates
below the lower of the then-current rating or the rating assigned to
such Certificates as of the Closing Date, as
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evidenced by a letter from each Rating Agency to such effect, and (B)
such change shall not (subject to Section 10.01(f)), as evidenced by an
Opinion of Counsel (at the expense of the party seeking so to modify,
eliminate or add such provisions), cause the Trust Fund or any of the
Certificateholders (other than the transferor) to be subject to a
federal tax caused by a transfer to a Person that is not a Permitted
Transferee, or
(vi) to make any other provisions with respect to matters or
questions arising under this Agreement or such Custodial Agreement
which shall not be materially inconsistent with the provisions of this
Agreement, provided that such action shall not, as evidenced by an
Opinion of Counsel, adversely affect in any material respect the
interests of any Certificateholder.
(b) This Agreement or any Custodial Agreement may also be amended from
time to time by the Company, the Master Servicer and the Trustee with the
consent of the Holders of Certificates evidencing in the aggregate not less than
66% of the Percentage Interests of each Class of Certificates affected thereby
for the purpose of adding any provisions to or changing in any manner or
eliminating any of the provisions of this Agreement or such Custodial Agreement
or of modifying in any manner the rights of the Holders of Certificates of such
Class; provided, however, that no such amendment shall:
(i) reduce in any manner the amount of, or delay
the timing of, payments which are required to be distributed
on any Certificate without the consent of the Holder of such
Certificate,
(ii) reduce the aforesaid percentage of Certificates of any
Class the Holders of which are required to consent to any such
amendment, in any such case without the consent of the Holders of all
Certificates of such Class then outstanding.
(c) Notwithstanding any contrary provision of this Agreement, the
Trustee shall not consent to any amendment to this Agreement unless it shall
have first received an Opinion of Counsel (subject to Section 10.01(f) and at
the expense of the party seeking such amendment) to the effect that such
amendment or the exercise of any power granted to the Master Servicer, the
Company or the Trustee in accordance with such amendment will not result in the
imposition of a federal tax on the Trust Fund or cause the Trust Fund to fail to
qualify as a REMIC at any time that any Certificate is outstanding.
(d) Promptly after the execution of any such amendment the
Trustee shall furnish written notification of the substance of
such amendment to each Certificateholder. It shall not be
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necessary for the consent of Certificateholders under this Section 11.01 to
approve the particular form of any proposed amendment, but it shall be
sufficient if such consent shall approve the substance thereof. The manner of
obtaining such consents and of evidencing the authorization of the execution
thereof by Certificateholders shall be subject to such reasonable regulations as
the Trustee may prescribe.
(e) The Company shall have the option, in its sole discretion, to
obtain and deliver to the Trustee any corporate guaranty, payment obligation,
irrevocable letter of credit, surety bond, insurance policy or similar
instrument or a reserve fund, or any combination of the foregoing, for the
purpose of protecting the Holders of the Class B Certificates against any or all
Realized Losses or other shortfalls. Any such instrument or fund shall be held
by the Trustee for the benefit of the Class B Certificateholders, but shall not
be and shall not be deemed to be under any circumstances included in the Trust
Fund. To the extent that any such instrument or fund constitutes a reserve fund
for federal income tax purposes, (i) any reserve fund so established shall be an
outside reserve fund and not an asset of the Trust Fund, (ii) any such reserve
fund shall be owned by the Company, and (iii) amounts transferred by the Trust
Fund to any such reserve fund shall be treated as amounts distributed by the
Trust Fund to the Company or any successor, all within the meaning of Treasury
Regulations Section 1.860G-2(h) as it reads as of the Cut-off Date. In
connection with the provision of any such instrument or fund, this Agreement and
any provision hereof may be modified, added to, deleted or otherwise amended in
any manner that is related or incidental to such instrument or fund or the
establishment or administration thereof, such amendment to be made by written
instrument executed or consented to by the Company but without the consent of
any Certificateholder and without the consent of the Master Servicer or the
Trustee being required unless any such amendment would impose any additional
obligation on, or otherwise adversely affect the interests of the Class A
Certificateholders, the Class R Certificateholders, the Class M
Certificateholders, the Master Servicer or the Trustee, as applicable; provided
that the Company obtains (subject to Section 10.01(f)) an Opinion of Counsel
(which need not be an opinion of Independent counsel) to the effect that any
such amendment will not cause (a) any federal tax to be imposed on the Trust
Fund, including without limitation, any federal tax imposed on "prohibited
transactions" under Section 860F(a)(1) of the Code or on "contributions after
the startup date" under Section 860G(d)(1) of the Code and (b) the Trust Fund to
fail to qualify as a REMIC at any time that any Certificate is outstanding. In
the event that the Company elects to provide such coverage in the form of a
limited guaranty provided by General Motors Acceptance Corporation, the Company
may elect that the text of such amendment to this Agreement shall be
substantially in the form attached hereto as Exhibit M (in which case
Residential Funding's Subordinate Certificate Loss Obligation as described in
such
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exhibit shall be established by Residential Funding's consent to such amendment)
and that the limited guaranty shall be executed in the form attached hereto as
Exhibit N, with such changes as the Company shall deem to be appropriate; it
being understood that the Trustee has reviewed and approved the content of such
forms and that the Trustee's consent or approval to the use thereof is not
required.
Section 11.02. Recordation of Agreement; Counterparts.
(a) To the extent permitted by applicable law, this Agreement is
subject to recordation in all appropriate public offices for real property
records in all the counties or other comparable jurisdictions in which any or
all of the properties subject to the Mortgages are situated, and in any other
appropriate public recording office or elsewhere, such recordation to be
effected by the Master Servicer and at its expense on direction by the Trustee
(pursuant to the request of Holders of Certificates entitled to at least 25% of
the Voting Rights), but only upon direction accompanied by an Opinion of Counsel
to the effect that such recordation materially and beneficially affects the
interests of the Certificateholders.
(b) For the purpose of facilitating the recordation of this Agreement
as herein provided and for other purposes, this Agreement may be executed
simultaneously in any number of counterparts, each of which counterparts shall
be deemed to be an original, and such counterparts shall constitute but one and
the same instrument.
Section 11.03. Limitation on Rights of Certificateholders.
(a) The death or incapacity of any Certificateholder shall not operate
to terminate this Agreement or the Trust Fund, nor entitle such
Certificateholder's legal representatives or heirs to claim an accounting or to
take any action or proceeding in any court for a partition or winding up of the
Trust Fund, nor otherwise affect the rights, obligations and liabilities of any
of the parties hereto.
(b) No Certificateholder shall have any right to vote (except as
expressly provided herein) or in any manner otherwise control the operation and
management of the Trust Fund, or the obligations of the parties hereto, nor
shall anything herein set forth, or contained in the terms of the Certificates,
be construed so as to constitute the Certificateholders from time to time as
partners or members of an association; nor shall any Certificateholder be under
any liability to any third person by reason of any action taken by the parties
to this Agreement pursuant to any provision hereof.
(c) No Certificateholder shall have any right by virtue of
any provision of this Agreement to institute any suit, action or
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proceeding in equity or at law upon or under or with respect to this Agreement,
unless such Holder previously shall have given to the Trustee a written notice
of default and of the continuance thereof, as hereinbefore provided, and unless
also the Holders of Certificates of any Class evidencing in the aggregate not
less than 25% of the related Percentage Interests of such Class, shall have made
written request upon the Trustee to institute such action, suit or proceeding in
its own name as Trustee hereunder and shall have offered to the Trustee such
reasonable indemnity as it may require against the costs, expenses and
liabilities to be incurred therein or thereby, and the Trustee, for 60 days
after its receipt of such notice, request and offer of indemnity, shall have
neglected or refused to institute any such action, suit or proceeding it being
understood and intended, and being expressly covenanted by each
Certificateholder with every other Certificateholder and the Trustee, that no
one or more Holders of Certificates of any Class shall have any right in any
manner whatever by virtue of any provision of this Agreement to affect, disturb
or prejudice the rights of the Holders of any other of such Certificates of such
Class or any other Class, or to obtain or seek to obtain priority over or
preference to any other such Holder, or to enforce any right under this
Agreement, except in the manner herein provided and for the common benefit of
Certificateholders of such Class or all Classes, as the case may be. For the
protection and enforcement of the provisions of this Section 11.03, each and
every Certificateholder and the Trustee shall be entitled to such relief as can
be given either at law or in equity.
Section 11.04. Governing Law.
This agreement and the Certificates shall be governed by and construed
in accordance with the laws of the State of New York and the obligations, rights
and remedies of the parties hereunder shall be determined in accordance with
such laws.
Section 11.05. Notices.
All demands and notices hereunder shall be in writing and shall be
deemed to have been duly given if personally delivered at or mailed by
registered mail, postage prepaid (except for notices to the Trustee which shall
be deemed to have been duly given only when received), to (a) in the case of the
Company, 8400 Normandale Lake Boulevard, Suite 700, Minneapolis, Minnesota
55437, Attention: President, or such other address as may hereafter be furnished
to the Master Servicer and the Trustee in writing by the Company, (b) in the
case of the Master Servicer, 10 Universal City Plaza, Suite 2100, Universal
City, California 91608, Attention: Ms. Becker or such other address as may be
hereafter furnished to the Company and the Trustee by the Master Servicer in
writing, (c) in the case of the Trustee, Corporate Trust Services Division, 3
Park Plaza, Irvine, California 92714, Attention: Residential Accredit Loans,
Inc. Series 1997-QS6 or
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such other address as may hereafter be furnished to the Company and the Master
Servicer in writing by the Trustee, (d) in the case of Fitch, One State Street
Plaza, New York, New York 10004, or such other address as may hereafter be
furnished to the Company, the Trustee and the Master Servicer in writing by
Fitch and (e) in the case of Standard & Poor's, 26 Broadway, New York, New York
10004 or such other address as may be hereafter furnished to the Company,
Trustee and Master Servicer by Standard & Poor's. Any notice required or
permitted to be mailed to a Certificateholder shall be given by first class
mail, postage prepaid, at the address of such holder as shown in the Certificate
Register. Any notice so mailed within the time prescribed in this Agreement
shall be conclusively presumed to have been duly given, whether or not the
Certificateholder receives such notice.
Section 11.06. Notices to Rating Agency.
The Company, the Master Servicer or the Trustee, as applicable, shall
notify each Rating Agency and the Subservicer at such time as it is otherwise
required pursuant to this Agreement to give notice of the occurrence of, any of
the events described in clause (a), (b), (c), (d), (g), (h), (i) or (j) below or
provide a copy to each Rating Agency at such time as otherwise required to be
delivered pursuant to this Agreement of any of the statements described in
clauses (e) and (f) below:
(a) a material change or amendment to this Agreement,
(b) the occurrence of an Event of Default,
(c) the termination or appointment of a successor
Master Servicer or Trustee or a change in the majority
ownership of the Trustee,
(d) the filing of any claim under the Master Servicer's
blanket fidelity bond and the errors and omissions insurance policy
required by Section 3.12 or the cancellation or modification of
coverage under any such instrument,
(e) the statement required to be delivered to the
Holders of each Class of Certificates pursuant to Section
4.03,
(f) the statements required to be delivered pursuant
to Sections 3.18 and 3.19,
(g) a change in the location of the Custodial Account
or the Certificate Account,
(h) the occurrence of any monthly cash flow shortfall
to the Holders of any Class of Certificates resulting from
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the failure by the Master Servicer to make an Advance
pursuant to Section 4.04,
(i) the occurrence of the Final Distribution Date, and
(j) the repurchase of or substitution for any Mortgage
Loan,
provided, however, that with respect to notice of the occurrence of the events
described in clauses (d), (g) or (h) above, the Master Servicer shall provide
prompt written notice to each Rating Agency and the Subservicer of any such
event known to the Master Servicer.
Section 11.07. Severability of Provisions.
If any one or more of the covenants, agreements, provisions or terms of
this Agreement shall be for any reason whatsoever held invalid, then such
covenants, agreements, provisions or terms shall be deemed severable from the
remaining covenants, agreements, provisions or terms of this Agreement and shall
in no way affect the validity or enforceability of the other provisions of this
Agreement or of the Certificates or the rights of the Holders thereof.
Section 11.08. Supplemental Provisions
for Resecuritization.
This Agreement may be supplemented by means of the addition of a
separate Article hereto (a "Supplemental Article") for the purpose of
resecuritizing any of the Certificates issued hereunder, under the following
circumstances. With respect to any Class or Classes of Certificates issued
hereunder, or any portion of any such Class, as to which the Company or any of
its Affiliates (or any designee thereof) is the registered Holder (the
"Resecuritized Certificates"), the Company may deposit such Resecuritized
Certificates into a new REMIC, grantor trust, FASIT or custodial arrangement (a
"Restructuring Vehicle") to be held by the Trustee pursuant to a Supplemental
Article. The instrument adopting such Supplemental Article shall be executed by
the Company, the Master Servicer and the Trustee; provided, that neither the
Master Servicer nor the Trustee shall withhold their consent thereto if their
respective interests would not be materially adversely affected thereby. To the
extent that the terms of the Supplemental Article do not in any way affect any
provisions of this Agreement as to any of the Certificates initially issued
hereunder, the adoption of the Supplemental Article shall not constitute an
"amendment" of this Agreement.
Each Supplemental Article shall set forth all necessary provisions
relating to the holding of the Resecuritized Certificates by the Trustee, the
establishment of the Restructuring Vehicle, the issuing of various classes of
new
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certificates by the Restructuring Vehicle and the distributions to be made
thereon, and any other provisions necessary for the purposes thereof. In
connection with each Supplemental Article, the Company shall deliver to the
Trustee an Opinion of Counsel to the effect that (i) the Restructuring Vehicle
will qualify as a REMIC, grantor trust, FASIT or other entity not subject to
taxation for federal income tax purposes and (ii) the adoption of the
Supplemental Article will not endanger the status of the Trust Fund as a REMIC
or (subject to Section 10.01(f)) result in the imposition of a tax upon the
Trust Fund (including but not limited to the tax on prohibited transactions as
defined in Section 860F(a)(2) of the Code and the tax on contributions to a
REMIC as set forth in Section 860G(d) of the Code).
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IN WITNESS WHEREOF, the Company, the Master Servicer and the Trustee
have caused their names to be signed hereto by their respective officers
thereunto duly authorized and their respective seals, duly attested, to be
hereunto affixed, all as of the day and year first above written.
RESIDENTIAL ACCREDIT LOANS, INC.
[Seal]
By:
Name: Randy Van Zee
Title: Vice President
Attest:
Name: Diane S. Wold
Title: Vice President
RESIDENTIAL FUNDING CORPORATION
[Seal]
By:
Name: Diane S. Wold
Title: Director
Attest:
Name: Randy Van Zee
Title: Director
BANKERS TRUST COMPANY,
as Trustee
[Seal]
By:
Name:
Title:
Attest:
Name:
Title:
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STATE OF MINNESOTA )
) ss.:
COUNTY OF HENNEPIN )
On the 30th day of June, 1997 before me, a notary public in
and for said State, personally appeared Randy Van Zee, known to me to be a Vice
President of Residential Accredit Loans, Inc., one of the corporations that
executed the within instrument, and also known to me to be the person who
executed it on behalf of said corporation, and acknowledged to me that such
corporation executed the within instrument.
IN WITNESS WHEREOF, I have hereunto set my hand and affixed my
official seal the day and year in this certificate first above written.
Notary Public
[Notarial Seal]
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STATE OF MINNESOTA )
) ss.:
COUNTY OF HENNEPIN )
On the 30th day of June, 1997 before me, a notary public in
and for said State, personally appeared Diane S. Wold, known to me to be a
Director of Residential Funding Corporation, one of the corporations that
executed the within instrument, and also known to me to be the person who
executed it on behalf of said corporation, and acknowledged to me that such
corporation executed the within instrument.
IN WITNESS WHEREOF, I have hereunto set my hand and affixed my
official seal the day and year in this certificate first above written.
Notary Public
[Notarial Seal]
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STATE OF CALIFORNIA )
) ss.:
COUNTY OF ORANGE )
On the 30th day of June, 1997 before me, a notary public in
and for said State, personally appeared ________________, known to me to be a
Vice President of Bankers Trust Company, the New York banking corporation that
executed the within instrument, and also known to me to be the person who
executed it on behalf of said banking corporation and acknowledged to me that
such banking corporation executed the within instrument.
IN WITNESS WHEREOF, I have hereunto set my hand and affixed my
official seal the day and year in this certificate first above written.
Notary Public
[Notarial Seal]
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EXHIBIT A
FORM OF CLASS A CERTIFICATE
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE
IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE
TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL
REVENUE CODE OF 1986.
[THE FOLLOWING INFORMATION IS PROVIDED SOLELY FOR THE PURPOSES
OF APPLYING THE U.S. FEDERAL INCOME TAX ORIGINAL ISSUE DISCOUNT ("OID") RULES TO
THIS CERTIFICATE. THE ISSUE DATE OF THIS CERTIFICATE IS JUNE 30, 1997. ASSUMING
THAT THE MORTGAGE LOANS PREPAY AT 100% OF THE PREPAYMENT ASSUMPTION (AS
DESCRIBED IN THE PROSPECTUS SUPPLEMENT), [AND ASSUMING A CONSTANT PASS-THROUGH
RATE EQUAL TO THE INITIAL PASS-THROUGH RATE,] THIS CERTIFICATE HAS BEEN ISSUED
WITH NO MORE THAN $_____ OF OID PER [$1,000] [$100,000] OF [INITIAL CERTIFICATE
PRINCIPAL BALANCE] [NOTIONAL AMOUNT], THE YIELD TO MATURITY IS ___% AND THE
AMOUNT OF OID ATTRIBUTABLE TO THE INITIAL ACCRUAL PERIOD IS NO MORE THAN
$_______ PER [$1,000] [$100,000] OF [INITIAL CERTIFICATE PRINCIPAL BALANCE]
[NOTIONAL AMOUNT], COMPUTED USING THE APPROXIMATE METHOD. NO REPRESENTATION IS
MADE THAT THE MORTGAGE LOANS WILL PREPAY AT A RATE BASED ON THE STANDARD
PREPAYMENT ASSUMPTION OR AT ANY OTHER RATE OR AS TO THE CONSTANCY OF THE
PASS-THROUGH RATE.]
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Certificate No. ____ [____%][Variable] Pass-Through
Rate [based on a Notional Amount]
Class A-__ Senior
Date of Pooling and Servicing
Agreement and Cut-off Date: [Percentage Interest: ___%]
June 1, 1997
Aggregate Initial [Certificate
Principal Balance] [Class A-7
Notional Amount] [Subclass
Notional Amount] of the Class
A-__ Certificates:
First Distribution Date:
July 25, 1997
Master Servicer: [Initial] [Certificate Principal
Residential Funding Balance] [[Class A-7] [Subclass]
Corporation Notional Amount] of this
Certificate: $_____________]
Assumed Final
Distribution Date: CUSIP 76110F-_____
[June 25, 2012]
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE
SERIES 1997-QS6
evidencing a percentage interest in the distributions allocable to the
Class A-__ Certificates with respect to a Trust Fund consisting
primarily of a pool of conventional one- to four-family fixed interest
rate first mortgage loans formed and sold by RESIDENTIAL ACCREDIT
LOANS, INC.
This Certificate is payable solely from the assets of the
Trust Fund, and does not represent an obligation of or interest in Residential
Accredit Loans, Inc., the Master Servicer, the Trustee referred to below or GMAC
Mortgage Group, Inc. or any of their affiliates. Neither this Certificate nor
the underlying Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality or by Residential Accredit Loans, Inc., the Master
Servicer, the Trustee or GMAC Mortgage Group, Inc. or any of their affiliates.
None of the Company, the Master Servicer, GMAC Mortgage Group, Inc. or any of
their affiliates will have any obligation with respect to any certificate or
other obligation secured by or payable from payments on the Certificates.
This certifies that _____________________________ is the
registered owner of the Percentage Interest evidenced by this Certificate
[(obtained by dividing the [Initial Certificate
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Principal Balance] [Initial Class A-7 Notional Amount] of this Certificate by
the aggregate [Initial Certificate Principal Balance of all Class A-___
Certificates] [Initial Class A-7 Notional Amounts of all Class A-7
Certificates], both as specified above)] in certain distributions with respect
to the Trust Fund consisting primarily of an interest in a pool of conventional
one- to four-family fixed interest rate first mortgage loans (the "Mortgage
Loans"), formed and sold by Residential Accredit Loans, Inc. (hereinafter called
the "Company," which term includes any successor entity under the Agreement
referred to below). The Trust Fund was created pursuant to a Pooling and
Servicing Agreement dated as specified above (the "Agreement") among the
Company, the Master Servicer and Bankers Trust Company, as trustee (the
"Trustee"), a summary of certain of the pertinent provisions of which is set
forth hereafter. To the extent not defined herein, the capitalized terms used
herein have the meanings assigned in the Agreement. This Certificate is issued
under and is subject to the terms, provisions and conditions of the Agreement,
to which Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Pursuant to the terms of the Agreement, a distribution will be
made on the 25th day of each month or, if such 25th day is not a Business Day,
the Business Day immediately following (the "Distribution Date"), commencing as
described in the Agreement, to the Person in whose name this Certificate is
registered at the close of business on the last day (or if such last day is not
a Business Day, the Business Day immediately preceding such last day) of the
month immediately preceding the month of such distribution (the "Record Date"),
from the Available Distribution Amount in an amount equal to the product of the
Percentage Interest evidenced by this Certificate and the amount [(of interest
and principal, if any)] required to be distributed to Holders of Class A-__
Certificates on such Distribution Date. [The Class A-7 Notional Amount of the
Class A-7 Certificates as of any date of determination is equal to the aggregate
Stated Principal Balance of the Mortgage Loans corresponding to the
Uncertificated REMIC Regular Interests represented by such Class A-7
Certificates.] [The Subclass Notional Amount of the Class A-7-_ Certificates as
of any date of determination is equal to the aggregate Stated Principal Balance
of the Mortgage Loans corresponding to the Uncertificated REMIC Regular
Interests represented by such Class A-7-_ Certificates immediately prior to such
date.] [The Class A-7[-_] Certificates have no Certificate Principal Balance.]
Distributions on this Certificate will be made either by the
Master Servicer acting on behalf of the Trustee or by a Paying Agent appointed
by the Trustee in immediately available funds (by wire transfer or otherwise)
for the account of the Person entitled thereto if such Person shall have so
notified the Master Servicer or such Paying Agent, or by check mailed to the
address of the
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Person entitled thereto, as such name and address shall appear on the
Certificate Register.
Notwithstanding the above, the final distribution on this
Certificate will be made after due notice of the pendency of such distribution
and only upon presentation and surrender of this Certificate at the office or
agency appointed by the Trustee for that purpose in the City and State of New
York. The [Initial Certificate Principal Balance] [Initial Class A-7 Notional
Amount] [initial Subclass Notional Amount] of this Certificate is set forth
above.] [The Certificate Principal Balance hereof will be reduced to the extent
of distributions allocable to principal and any Realized Losses allocable
hereto.]
This Certificate is one of a duly authorized issue of
Certificates issued in several Classes designated as Mortgage Asset-Backed
Pass-Through Certificates of the Series specified hereon (herein collectively
called the "Certificates").
The Certificates are limited in right of payment to certain
collections and recoveries respecting the Mortgage Loans, all as more
specifically set forth herein and in the Agreement. In the event Master Servicer
funds are advanced with respect to any Mortgage Loan, such advance is
reimbursable to the Master Servicer, to the extent provided in the Agreement,
from related recoveries on such Mortgage Loan or from other cash that would have
been distributable to Certificateholders.
As provided in the Agreement, withdrawals from the Custodial
Account and/or the Certificate Account created for the benefit of
Certificateholders may be made by the Master Servicer from time to time for
purposes other than distributions to Certificateholders, such purposes including
without limitation reimbursement to the Company and the Master Servicer of
advances made, or certain expenses incurred, by either of them.
The Agreement permits, with certain exceptions therein
provided, the amendment of the Agreement and the modification of the rights and
obligations of the Company, the Master Servicer and the Trustee and the rights
of the Certificateholders under the Agreement at any time by the Company, the
Master Servicer and the Trustee with the consent of the Holders of Certificates
evidencing in the aggregate not less than 66% of the Percentage Interests of
each Class of Certificates affected thereby. Any such consent by the Holder of
this Certificate shall be conclusive and binding on such Holder and upon all
future holders of this Certificate and of any Certificate issued upon the
transfer hereof or in exchange herefor or in lieu hereof whether or not notation
of such consent is made upon the Certificate. The Agreement also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain additional circumstances, without the
consent of the Holders of certain Classes of Certificates.
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As provided in the Agreement and subject to certain
limitations therein set forth, the transfer of this Certificate is registrable
in the Certificate Register upon surrender of this Certificate for registration
of transfer at the offices or agencies appointed by the Trustee in the City and
State of New York, duly endorsed by, or accompanied by an assignment in the form
below or other written instrument of transfer in form satisfactory to the
Trustee and the Certificate Registrar duly executed by the Holder hereof or such
Holder's attorney duly authorized in writing, and thereupon one or more new
Certificates of authorized denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated transferee or transferees.
The Certificates are issuable only as registered Certificates
without coupons in Classes and in denominations specified in the Agreement. As
provided in the Agreement and subject to certain limitations therein set forth,
Certificates are exchangeable for new Certificates of authorized denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.
No service charge will be made for any such registration of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.
The Company, the Master Servicer, the Trustee and the
Certificate Registrar and any agent of the Company, the Master Servicer, the
Trustee or the Certificate Registrar may treat the Person in whose name this
Certificate is registered as the owner hereof for all purposes, and neither the
Company, the Master Servicer, the Trustee nor any such agent shall be affected
by notice to the contrary.
This Certificate shall be governed by and construed in
accordance with the laws of the State of New York.
The obligations created by the Agreement in respect of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to Certificateholders of all amounts held by or on behalf of the Trustee and
required to be paid to them pursuant to the Agreement following the earlier of
(i) the maturity or other liquidation of the last Mortgage Loan subject thereto
or the disposition of all property acquired upon foreclosure or deed in lieu of
foreclosure of any Mortgage Loan and (ii) the purchase by the Master Servicer or
the Company from the Trust Fund of all remaining Mortgage Loans and all property
acquired in respect of such Mortgage Loans, thereby effecting early retirement
of the Certificates. The Agreement permits, but does not require, the Master
Servicer or the Company to (i) purchase at a price determined as provided in the
Agreement all remaining Mortgage Loans and all property acquired in respect of
any Mortgage Loan or (ii) purchase in whole, but not in part, all of the
Certificates
NY1-214425.3
A-5
<PAGE>
from the Holders thereof; provided, that any such option may only be exercised
if the Pool Stated Principal Balance of the Mortgage Loans as of the
Distribution Date upon which the proceeds of any such purchase are distributed
is less than ten percent of the Cut-off Date Principal Balance of the Mortgage
Loans.
Reference is hereby made to the further provisions of this
Certificate set forth on the reverse hereof, which further provisions shall for
all purposes have the same effect as if set forth at this place.
Unless the certificate of authentication hereon has been
executed by the Certificate Registrar, by manual signature, this Certificate
shall not be entitled to any benefit under the Agreement or be valid for any
purpose.
NY1-214425.3
A-6
<PAGE>
IN WITNESS WHEREOF, the Trustee has caused this Certificate to
be duly executed.
Dated: BANKERS TRUST COMPANY,
as Trustee
By:
Authorized Signatory
CERTIFICATE OF AUTHENTICATION
This is one of the Class A-__ Certificates referred to in the
within-mentioned Agreement.
BANKERS TRUST COMPANY,
as Certificate Registrar
By:
Authorized Signatory
NY1-214425.3
A-7
<PAGE>
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby sell(s),
assign(s) and transfer(s) unto
(Please print or typewrite
name and address including postal zip code of assignee) a Percentage Interest
evidenced by the within Mortgage Asset-Backed Pass-Through Certificate and
hereby authorizes the transfer of registration of such interest to assignee on
the Certificate Register of the Trust Fund.
I (We) further direct the Certificate Registrar to issue a new
Certificate of a like denomination and Class, to the above named assignee and
deliver such Certificate to the following address:
Dated:
Signature by or on behalf of assignor
Signature Guaranteed
DISTRIBUTION INSTRUCTIONS
The assignee should include the following for purposes of
distribution:
Distributions shall be made, by wire transfer or
otherwise, in immediately available funds to
for the
account of account
number , or, if mailed by check, to
Applicable
statements should be mailed to
.
This information is provided by
, the assignee named above, or
, as its agent.
<PAGE>
EXHIBIT B
FORM OF CLASS M CERTIFICATE
THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A CERTIFICATES
AND CLASS R CERTIFICATES [CLASS M-1 CERTIFICATES] [AND CLASS M-2 CERTIFICATES]
AS DESCRIBED IN THE AGREEMENT (AS DEFINED BELOW).
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986 (THE "CODE").
NO TRANSFER OF THIS CERTIFICATE MAY BE MADE TO ANY PERSON, UNLESS THE TRANSFEREE
PROVIDES EITHER A CERTIFICATION PURSUANT TO SECTION 5.02(e) OF THE AGREEMENT OR
AN OPINION OF COUNSEL SATISFACTORY TO THE MASTER SERVICER, THE COMPANY AND THE
TRUSTEE THAT THE PURCHASE OF THIS CERTIFICATE WILL NOT CONSTITUTE OR RESULT IN A
NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF THE EMPLOYEE RETIREMENT
INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), OR SECTION 4975 OF THE CODE
AND WILL NOT SUBJECT THE MASTER SERVICER, THE COMPANY OR THE TRUSTEE TO ANY
OBLIGATION OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT.
THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR THE SECURITIES LAWS OF ANY STATE AND MAY NOT BE
RESOLD OR TRANSFERRED UNLESS IT IS REGISTERED PURSUANT TO SUCH ACT AND LAWS OR
IS SOLD OR TRANSFERRED IN TRANSACTIONS WHICH ARE EXEMPT FROM REGISTRATION UNDER
SUCH ACT AND UNDER APPLICABLE STATE LAW AND IS TRANSFERRED IN ACCORDANCE WITH
THE PROVISIONS OF SECTION 5.02 OF THE AGREEMENT.
[THE FOLLOWING INFORMATION IS PROVIDED SOLELY FOR THE PURPOSES OF APPLYING THE
U.S. FEDERAL INCOME TAX ORIGINAL ISSUE DISCOUNT ("OID") RULES TO THIS
CERTIFICATE. THE ISSUE DATE OF THIS CERTIFICATE IS JUNE 30, 1997. ASSUMING THAT
THE MORTGAGE LOANS PREPAY AT 100% OF THE PREPAYMENT ASSUMPTION (AS DESCRIBED IN
THE PROSPECTUS SUPPLEMENT), THIS CERTIFICATE HAS BEEN ISSUED WITH NO MORE THAN $
OF OID PER $1,000 OF INITIAL CERTIFICATE PRINCIPAL BALANCE, THE YIELD TO
MATURITY IS % AND THE AMOUNT OF OID ATTRIBUTABLE TO THE INITIAL ACCRUAL PERIOD
IS NO MORE THAN $
PER $1,000 OF INITIAL CERTIFICATE PRINCIPAL BALANCE,
COMPUTED UNDER THE APPROXIMATE METHOD. NO REPRESENTATION IS MADE
THAT THE MORTGAGE LOANS WILL PREPAY AT A RATE BASED ON THE STANDARD
PREPAYMENT ASSUMPTION OR AT ANY OTHER RATE.]
NY1-214425.3
<PAGE>
Certificate No. ___ [___]% Pass-Through Rate
Class M- Subordinate Aggregate Certificate
Principal Balance
of the Class M Certificates:
Date of Pooling and Servicing $_______________
Agreement and Cut-off Date:
June 1, 1997 Initial Certificate Principal
Balance of this Certificate:
First Distribution Date: $_______________
July 25, 1997
CUSIP: 76110F-_____
Master Servicer:
Residential Funding Corporation
Assumed Final Distribution Date:
June 25, 2012
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE,
SERIES 1997-QS6
evidencing a percentage interest in any distributions allocable to the
Class M-__ Certificates with respect to the Trust Fund consisting
primarily of a pool of conventional one- to four-family fixed interest
rate first mortgage loans formed and sold by RESIDENTIAL ACCREDIT
LOANS, INC.
This Certificate is payable solely from the assets of the
Trust Fund, and does not represent an obligation of or interest in Residential
Accredit Loans, Inc., the Master Servicer, the Trustee referred to below or GMAC
Mortgage Group, Inc. or any of their affiliates. Neither this Certificate nor
the underlying Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality or by Residential Accredit Loans, Inc., the Master
Servicer, the Trustee or GMAC Mortgage Group, Inc. or any of their affiliates.
None of the Company, the Master Servicer, GMAC Mortgage Group, Inc. or any of
their affiliates will have any obligation with respect to any certificate or
other obligation secured by or payable from payments on the Certificates.
This certifies that _________________________ is the
registered owner of the Percentage Interest evidenced by this Certificate
(obtained by dividing the Certificate Principal Balance of this Certificate by
the aggregate Certificate Principal Balance of all Class M-__ Certificates, both
as specified above) in certain distributions with respect to a Trust Fund
consisting primarily of a pool of conventional one- to four-family fixed
interest rate first mortgage loans (the "Mortgage Loans"), formed and sold by
Residential Accredit Loans, Inc. (hereinafter called the "Company," which term
includes any successor entity under the Agreement
NY1-214425.3
B-2
<PAGE>
referred to below). The Trust Fund was created pursuant to a Pooling and
Servicing Agreement dated as specified above (the "Agreement") among the
Company, the Master Servicer and Bankers Trust Company, as trustee (the
"Trustee"), a summary of certain of the pertinent provisions of which is set
forth hereafter. To the extent not defined herein, the capitalized terms used
herein have the meanings assigned in the Agreement. This Certificate is issued
under and is subject to the terms, provisions and conditions of the Agreement,
to which Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Pursuant to the terms of the Agreement, a distribution will be
made on the 25th day of each month or, if such 25th day is not a Business Day,
the Business Day immediately following (the "Distribution Date"), commencing as
described in the Agreement, to the Person in whose name this Certificate is
registered at the close of business on the last day (or if such last day is not
a Business Day, the Business Day immediately preceding such last day) of the
month immediately preceding the month of such distribution (the "Record Date"),
from the Available Distribution Amount in an amount equal to the product of the
Percentage Interest evidenced by this Certificate and the amount (of interest
and principal, if any) required to be distributed to Holders of Class M-__
Certificates on such Distribution Date.
Distributions on this Certificate will be made either by the
Master Servicer acting on behalf of the Trustee or by a Paying Agent appointed
by the Trustee in immediately available funds (by wire transfer or otherwise)
for the account of the Person entitled thereto if such Person shall have so
notified the Master Servicer or such Paying Agent, or by check mailed to the
address of the Person entitled thereto, as such name and address shall appear on
the Certificate Register.
Notwithstanding the above, the final distribution on this
Certificate will be made after due notice of the pendency of such distribution
and only upon presentation and surrender of this Certificate at the office or
agency appointed by the Trustee for that purpose in the City and State of New
York. The Initial Certificate Principal Balance of this Certificate is set forth
above. The Certificate Principal Balance hereof will be reduced to the extent of
the distributions allocable to principal and any Realized Losses allocable
hereto.
No transfer of this Class M Certificate will be made unless
the Trustee has received either (i) an opinion of counsel acceptable to and in
form and substance satisfactory to the Trustee, the Company and the Master
Servicer with respect to the permissibility of such transfer under the Employee
Retirement Income Security Act of 1974, as amended ("ERISA"), and Section 4975
of the Internal Revenue Code (the "Code") and stating, among other things, that
the transferee's acquisition of a Class M Certificate
NY1-214425.3
B-3
<PAGE>
will not constitute or result in a non-exempt prohibited transaction under
Section 406 of ERISA or Section 4975 of the Code or (ii) a representation
letter, in the form as described by the Agreement, either stating that the
transferee is not an employee benefit or other plan subject to the prohibited
transaction provisions of ERISA or Section 4975 of the Code (a "Plan"), or any
other person (including an investment manager, a named fiduciary or a trustee of
any Plan) acting, directly or indirectly, on behalf of or purchasing any
Certificate with "plan assets" of any Plan, or stating that the transferee is an
insurance company, the source of funds to be used by it to purchase the
Certificate is an "insurance company general account" (within the meaning of
Department of Labor Prohibited Transaction Class Exemption ("PTCE") 95-60), and
the purchase is being made in reliance upon the availability of the exemptive
relief afforded under Section III of PTCE 95-60.
This Certificate is one of a duly authorized issue of
Certificates issued in several Classes designated as Mortgage Asset-Backed
Pass-Through Certificates of the Series specified hereon (herein collectively
called the "Certificates").
The Certificates are limited in right of payment to certain
collections and recoveries respecting the Mortgage Loans, all as more
specifically set forth herein and in the Agreement. In the event Master Servicer
funds are advanced with respect to any Mortgage Loan, such advance is
reimbursable to the Master Servicer, to the extent provided in the Agreement,
from related recoveries on such Mortgage Loan or from other cash that would have
been distributable to Certificateholders.
As provided in the Agreement, withdrawals from the Custodial
Account and/or the Certificate Account created for the benefit of
Certificateholders may be made by the Master Servicer from time to time for
purposes other than distributions to Certificateholders, such purposes including
without limitation reimbursement to the Company and the Master Servicer of
advances made, or certain expenses incurred, by either of them.
The Agreement permits, with certain exceptions therein
provided, the amendment of the Agreement and the modification of the rights and
obligations of the Company, the Master Servicer and the Trustee and the rights
of the Certificateholders under the Agreement at any time by the Company, the
Master Servicer and the Trustee with the consent of the Holders of Certificates
evidencing in the aggregate not less than 66% of the Percentage Interests of
each Class of Certificates affected thereby. Any such consent by the Holder of
this Certificate shall be conclusive and binding on such Holder and upon all
future holders of this Certificate and of any Certificate issued upon the
transfer hereof or in exchange herefor or in lieu hereof whether or not notation
of such consent is made upon the Certificate. The Agreement also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain additional
NY1-214425.3
B-4
<PAGE>
circumstances, without the consent of the Holders of certain
Classes of Certificates.
As provided in the Agreement and subject to certain
limitations therein set forth, the transfer of this Certificate is registrable
in the Certificate Register upon surrender of this Certificate for registration
of transfer at the offices or agencies appointed by the Trustee in the City and
State of New York, duly endorsed by, or accompanied by an assignment in the form
below or other written instrument of transfer in form satisfactory to the
Trustee and the Certificate Registrar duly executed by the Holder hereof or such
Holder's attorney duly authorized in writing, and thereupon one or more new
Certificates of authorized denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated transferee or transferees.
The Certificates are issuable only as registered Certificates
without coupons in Classes and in denominations specified in the Agreement. As
provided in the Agreement and subject to certain limitations therein set forth,
Certificates are exchangeable for new Certificates of authorized denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.
No service charge will be made for any such registration of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.
The Company, the Master Servicer, the Trustee and the
Certificate Registrar and any agent of the Company, the Master Servicer, the
Trustee or the Certificate Registrar may treat the Person in whose name this
Certificate is registered as the owner hereof for all purposes, and neither the
Company, the Master Servicer, the Trustee nor any such agent shall be affected
by notice to the contrary.
This Certificate shall be governed by and construed in
accordance with the laws of the State of New York.
The obligations created by the Agreement in respect of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to Certificateholders of all amounts held by or on behalf of the Trustee and
required to be paid to them pursuant to the Agreement following the earlier of
(i) the maturity or other liquidation of the last Mortgage Loan subject thereto
or the disposition of all property acquired upon foreclosure or deed in lieu of
foreclosure of any Mortgage Loan and (ii) the purchase by the Master Servicer or
the Company from the Trust Fund of all remaining Mortgage Loans and all property
acquired in respect of such Mortgage Loans, thereby effecting early retirement
of the Certificates. The Agreement permits, but does not require, the Master
Servicer or the Company to (i) purchase at a price
NY1-214425.3
B-5
<PAGE>
determined as provided in the Agreement all remaining Mortgage Loans and all
property acquired in respect of any Mortgage Loan or (ii) purchase in whole, but
not in part, all of the Certificates from the Holders thereof; provided, that
any such option may only be exercised if the Pool Stated Principal Balance of
the Mortgage Loans as of the Distribution Date upon which the proceeds of any
such purchase are distributed is less than ten percent of the Cut-off Date
Principal Balance of the Mortgage Loans.
Unless the certificate of authentication hereon has been
executed by the Certificate Registrar, by manual signature, this Certificate
shall not be entitled to any benefit under the Agreement or be valid for any
purpose.
NY1-214425.3
B-6
<PAGE>
IN WITNESS WHEREOF, the Trustee has caused this Certificate to
be duly executed.
Dated: BANKERS TRUST COMPANY,
as Trustee
By:
Authorized Signatory
CERTIFICATE OF AUTHENTICATION
This is one of the Class M-__ Certificates referred to in the
within-mentioned Agreement.
BANKERS TRUST COMPANY,
as Certificate Registrar
By:
Authorized Signatory
<PAGE>
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby sell(s),
assign(s) and transfer(s) unto
(Please print or typewrite
name and address including postal zip code of assignee) a Percentage Interest
evidenced by the within Mortgage Asset-Backed Pass-Through Certificate and
hereby authorizes the transfer of registration of such interest to assignee on
the Certificate Register of the Trust Fund.
I (We) further direct the Certificate Registrar to issue a new
Certificate of a like denomination and Class, to the above named assignee and
deliver such Certificate to the following address:
Dated:
Signature by or on behalf of assignor
Signature Guaranteed
DISTRIBUTION INSTRUCTIONS
The assignee should include the following for purposes of
distribution:
Distributions shall be made, by wire transfer or
otherwise, in immediately available funds to
for the
account of account
number , or, if mailed by check, to
Applicable
statements should be mailed to
.
This information is provided by
, the assignee named above, or
, as its agent.
<PAGE>
EXHIBIT C
FORM OF CLASS B CERTIFICATE
THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A
CERTIFICATES, CLASS R CERTIFICATES AND CLASS M CERTIFICATES AS DESCRIBED IN THE
AGREEMENT (AS DEFINED HEREIN).
THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR THE SECURITIES LAWS OF ANY STATE AND MAY NOT BE
RESOLD OR TRANSFERRED UNLESS IT IS REGISTERED PURSUANT TO SUCH ACT AND LAWS OR
IS SOLD OR TRANSFERRED IN TRANSACTIONS WHICH ARE EXEMPT FROM REGISTRATION UNDER
SUCH ACT AND UNDER APPLICABLE STATE LAW AND IS TRANSFERRED IN ACCORDANCE WITH
THE PROVISIONS OF SECTION 5.02 OF THE AGREEMENT.
NO TRANSFER OF THIS CERTIFICATE MAY BE MADE TO ANY PERSON, UNLESS THE TRANSFEREE
PROVIDES EITHER A CERTIFICATION PURSUANT TO SECTION 5.02(e) OF THE AGREEMENT OR
AN OPINION OF COUNSEL SATISFACTORY TO THE MASTER SERVICER, THE COMPANY AND THE
TRUSTEE THAT THE PURCHASE OF THIS CERTIFICATE WILL NOT CONSTITUTE OR RESULT IN A
NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF THE EMPLOYEE RETIREMENT
INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), OR SECTION 4975 OF THE CODE
AND WILL NOT SUBJECT THE MASTER SERVICER, THE COMPANY OR THE TRUSTEE TO ANY
OBLIGATION OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT.
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE CODE. THE FOLLOWING
INFORMATION IS PROVIDED SOLELY FOR THE PURPOSES OF APPLYING THE U.S. FEDERAL
INCOME TAX ORIGINAL ISSUE DISCOUNT ("OID") RULES TO THIS CERTIFICATE. THE ISSUE
DATE OF THIS CERTIFICATE IS JUNE 30, 1997. ASSUMING THAT THE MORTGAGE LOANS
PREPAY AT 100% OF THE PREPAYMENT ASSUMPTION (AS DESCRIBED IN THE PROSPECTUS
SUPPLEMENT), THIS CERTIFICATE HAS BEEN ISSUED WITH NO MORE THAN $___ OF OID PER
$1,000 OF INITIAL CERTIFICATE PRINCIPAL BALANCE, THE YIELD TO MATURITY IS ____%
AND THE AMOUNT OF OID ATTRIBUTABLE TO THE INITIAL ACCRUAL PERIOD IS NO MORE THAN
$____ PER $1,000 OF INITIAL CERTIFICATE PRINCIPAL BALANCE, COMPUTED UNDER THE
APPROXIMATE METHOD. NO REPRESENTATION IS MADE THAT THE MORTGAGE LOANS WILL
PREPAY AT A RATE BASED ON THE STANDARD PREPAYMENT ASSUMPTION OR AT ANY OTHER
RATE.
NY1-214425.3
<PAGE>
Certificate No. __ [___]% Pass-Through Rate
Class B-__ Subordinate Aggregate Certificate
Principal Balance
of the Class B-__
Certificates as of
Date of Pooling and Servicing the Cut-off Date:
Agreement and Cut-off Date: $_______________
June 1, 1997
Initial Certificate Principal
Balance of this Certificate:
First Distribution Date: $_______________
July 25, 1997
Master Servicer:
Residential Funding Corporation
Assumed Final Distribution Date:
June 25, 2012
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE,
SERIES 1997-QS6
evidencing a percentage interest in any distributions allocable to the
Class B-__ Certificates with respect to the Trust Fund consisting
primarily of a pool of conventional one- to four-family fixed interest
rate first mortgage loans formed and sold by RESIDENTIAL ACCREDIT
LOANS, INC.
This Certificate is payable solely from the assets of the
Trust Fund, and does not represent an obligation of or interest in Residential
Accredit Loans, Inc., the Master Servicer, the Trustee referred to below or GMAC
Mortgage Group, Inc. or any of their affiliates. Neither this Certificate nor
the underlying Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality or by Residential Accredit Loans, Inc., the Master
Servicer, the Trustee or GMAC Mortgage Group, Inc. or any of their affiliates.
None of the Company, the Master Servicer, GMAC Mortgage Group, Inc. or any of
their affiliates will have any obligation with respect to any certificate or
other obligation secured by or payable from payments on the Certificates.
This certifies that Residential Accredit Loans, Inc. is the
registered owner of the Percentage Interest evidenced by this Certificate
(obtained by dividing the Certificate Principal Balance of this Certificate by
the aggregate Certificate Principal Balance of all Class B-__ Certificates, both
as specified above) in certain distributions with respect to a Trust Fund
consisting primarily of a pool of conventional one- to four-family fixed
interest rate first mortgage loans (the "Mortgage Loans"), formed and sold by
Residential Accredit Loans, Inc. (hereinafter called the "Company,"
NY1-214425.3
C-2
<PAGE>
which term includes any successor entity under the Agreement referred to below).
The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated
as specified above (the "Agreement") among the Company, the Master Servicer and
Bankers Trust Company, as trustee (the "Trustee"), a summary of certain of the
pertinent provisions of which is set forth hereafter. To the extent not defined
herein, the capitalized terms used herein have the meanings assigned in the
Agreement. This Certificate is issued under and is subject to the terms,
provisions and conditions of the Agreement, to which Agreement the Holder of
this Certificate by virtue of the acceptance hereof assents and by which such
Holder is bound.
Pursuant to the terms of the Agreement, a distribution will be
made on the 25th day of each month or, if such 25th day is not a Business Day,
the Business Day immediately following (the "Distribution Date"), commencing on
the first Distribution Date specified above, to the Person in whose name this
Certificate is registered at the close of business on the last day (or if such
last day is not a Business Day, the Business Day immediately preceding such last
day) of the month next preceding the month of such distribution (the "Record
Date"), from the Available Distribution Amount in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount (of
interest and principal, if any) required to be distributed to Holders of Class B
Certificates on such Distribution Date.
Distributions on this Certificate will be made either by the
Master Servicer acting on behalf of the Trustee or by a Paying Agent appointed
by the Trustee in immediately available funds (by wire transfer or otherwise)
for the account of the Person entitled thereto if such Person shall have so
notified the Master Servicer or such Paying Agent, or by check mailed to the
address of the Person entitled thereto, as such name and address shall appear on
the Certificate Register.
Notwithstanding the above, the final distribution on this
Certificate will be made after due notice of the pendency of such distribution
and only upon presentation and surrender of this Certificate at the office or
agency appointed by the Trustee for that purpose in the City and State of New
York. The Initial Certificate Principal Balance of this Certificate is set forth
above. The Certificate Principal Balance hereof will be reduced to the extent of
the distributions allocable to principal and any Realized Losses allocable
hereto.
No transfer of this Class B Certificate will be made unless
such transfer is exempt from the registration requirements of the Securities Act
of 1933, as amended, and any applicable state securities laws or is made in
accordance with said Act and laws. In the event that such a transfer is to be
made, (i) the Trustee or the Company may require an opinion of counsel
acceptable to and in form and substance satisfactory to the Trustee and the
Company that
NY1-214425.3
C-3
<PAGE>
such transfer is exempt (describing the applicable exemption and the basis
therefor) from or is being made pursuant to the registration requirements of the
Securities Act of 1933, as amended, and of any applicable statute of any state
and (ii) the transferee shall execute an investment letter in the form described
by the Agreement. The Holder hereof desiring to effect such transfer shall, and
does hereby agree to, indemnify the Trustee, the Company, the Master Servicer
and the Certificate Registrar acting on behalf of the Trustee against any
liability that may result if the transfer is not so exempt or is not made in
accordance with such Federal and state laws. In connection with any such
transfer, the Trustee will also require either (i) an opinion of counsel
acceptable to and in form and substance satisfactory to the Trustee, the Company
and the Master Servicer with respect to the permissibility of such transfer
under the Employee Retirement Income Security Act of 1974, as amended ("ERISA"),
and Section 4975 of the Internal Revenue Code (the "Code") and stating, among
other things, that the transferee's acquisition of a Class B Certificate will
not constitute or result in a non-exempt prohibited transaction under Section
406 of ERISA or Section 4975 of the Code or (ii) a representation letter, in the
form as described by the Agreement, either stating that the transferee is not an
employee benefit or other plan subject to the prohibited transaction provisions
of ERISA or Section 4975 of the Code (a "Plan"), or any other person (including
an investment manager, a named fiduciary or a trustee of any Plan) acting,
directly or indirectly, on behalf of or purchasing any Certificate with "plan
assets" of any Plan, or stating that the transferee is an insurance company, the
source of funds to be used by it to purchase the Certificate is an "insurance
company general account" (within the meaning of Department of Labor Prohibited
Transaction Class Exemption ("PTCE") 95-60), and the purchase is being made in
reliance upon the availability of the exemptive relief afforded under Section
III of PTCE 95-60.
This Certificate is one of a duly authorized issue of
Certificates issued in several Classes designated as Mortgage Asset-Backed
Pass-Through Certificates of the Series specified hereon (herein collectively
called the "Certificates").
The Certificates are limited in right of payment to certain
collections and recoveries respecting the Mortgage Loans, all as more
specifically set forth herein and in the Agreement. In the event Master Servicer
funds are advanced with respect to any Mortgage Loan, such advance is
reimbursable to the Master Servicer, to the extent provided in the Agreement,
from related recoveries on such Mortgage Loan or from other cash that would have
been distributable to Certificateholders.
As provided in the Agreement, withdrawals from the Custodial
Account and/or the Certificate Account created for the benefit of
Certificateholders may be made by the Master Servicer from time to time for
purposes other than distributions to Certificateholders, such purposes including
without limitation
NY1-214425.3
C-4
<PAGE>
reimbursement to the Company and the Master Servicer of advances made, or
certain expenses incurred, by either of them.
The Agreement permits, with certain exceptions therein
provided, the amendment of the Agreement and the modification of the rights and
obligations of the Company, the Master Servicer and the Trustee and the rights
of the Certificateholders under the Agreement at any time by the Company, the
Master Servicer and the Trustee with the consent of the Holders of Certificates
evidencing in the aggregate not less than 66% of the Percentage Interests of
each Class of Certificates affected thereby. Any such consent by the Holder of
this Certificate shall be conclusive and binding on such Holder and upon all
future holders of this Certificate and of any Certificate issued upon the
transfer hereof or in exchange herefor or in lieu hereof whether or not notation
of such consent is made upon the Certificate. The Agreement also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain additional circumstances, without the
consent of the Holders of certain Classes of Certificates.
As provided in the Agreement and subject to certain
limitations therein set forth, the transfer of this Certificate is registrable
in the Certificate Register upon surrender of this Certificate for registration
of transfer at the offices or agencies appointed by the Trustee in the City and
State of New York, duly endorsed by, or accompanied by an assignment in the form
below or other written instrument of transfer in form satisfactory to the
Trustee and the Certificate Registrar duly executed by the Holder hereof or such
Holder's attorney duly authorized in writing, and thereupon one or more new
Certificates of authorized denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated transferee or transferees.
The Certificates are issuable only as registered Certificates
without coupons in Classes and in denominations specified in the Agreement. As
provided in the Agreement and subject to certain limitations therein set forth,
Certificates are exchangeable for new Certificates of authorized denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.
No service charge will be made for any such registration of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.
The Company, the Master Servicer, the Trustee and the
Certificate Registrar and any agent of the Company, the Master Servicer, the
Trustee or the Certificate Registrar may treat the Person in whose name this
Certificate is registered as the owner hereof for all purposes, and neither the
Company, the Master
NY1-214425.3
C-5
<PAGE>
Servicer, the Trustee nor any such agent shall be affected by notice to the
contrary.
This Certificate shall be governed by and construed in
accordance with the laws of the State of New York.
The obligations created by the Agreement in respect of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to Certificateholders of all amounts held by or on behalf of the Trustee and
required to be paid to them pursuant to the Agreement following the earlier of
(i) the maturity or other liquidation of the last Mortgage Loan subject thereto
or the disposition of all property acquired upon foreclosure or deed in lieu of
foreclosure of any Mortgage Loan and (ii) the purchase by the Master Servicer or
the Company from the Trust Fund of all remaining Mortgage Loans and all property
acquired in respect of such Mortgage Loans, thereby effecting early retirement
of the Certificates. The Agreement permits, but does not require, the Master
Servicer or the Company to (i) purchase at a price determined as provided in the
Agreement all remaining Mortgage Loans and all property acquired in respect of
any Mortgage Loan or (ii) purchase in whole, but not in part, all of the
Certificates from the Holders thereof; provided, that any such option may only
be exercised if the Pool Stated Principal Balance of the Mortgage Loans as of
the Distribution Date upon which the proceeds of any such purchase are
distributed is less than ten percent of the Cut-off Date Principal Balance of
the Mortgage Loans.
Unless the certificate of authentication hereon has been
executed by the Certificate Registrar, by manual signature, this Certificate
shall not be entitled to any benefit under the Agreement or be valid for any
purpose.
NY1-214425.3
C-6
<PAGE>
IN WITNESS WHEREOF, the Trustee has caused this Certificate to
be duly executed.
Dated: BANKERS TRUST COMPANY,
as Trustee
By:
Authorized Signatory
CERTIFICATE OF AUTHENTICATION
This is one of the Class M-__ Certificates referred to in the
within-mentioned Agreement.
BANKERS TRUST COMPANY,
as Certificate Registrar
By:
Authorized Signatory
NY1-214425.3
C-7
<PAGE>
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby sell(s),
assign(s) and transfer(s) unto
(Please print or typewrite
name and address including postal zip code of assignee) a Percentage Interest
evidenced by the within Mortgage Asset-Backed Pass-Through Certificate and
hereby authorizes the transfer of registration of such interest to assignee on
the Certificate Register of the Trust Fund.
I (We) further direct the Certificate Registrar to issue a new
Certificate of a like denomination and Class, to the above named assignee and
deliver such Certificate to the following address:
Dated:
Signature by or on behalf of assignor
Signature Guaranteed
DISTRIBUTION INSTRUCTIONS
The assignee should include the following for purposes of
distribution:
Distributions shall be made, by wire transfer or
otherwise, in immediately available funds to
for the
account of account
number , or, if mailed by check, to
Applicable
statements should be mailed to
.
This information is provided by
, the assignee named above, or
, as its agent.
<PAGE>
EXHIBIT D
FORM OF CLASS R CERTIFICATE
THIS CERTIFICATE MAY NOT BE HELD BY OR TRANSFERRED TO A NON-UNITED STATES PERSON
OR A DISQUALIFIED ORGANIZATION (AS DEFINED BELOW).
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "RESIDUAL
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT" AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986 (THE "CODE").
NO TRANSFER OF THIS CERTIFICATE MAY BE MADE TO ANY PERSON, UNLESS THE TRANSFEREE
PROVIDES EITHER A CERTIFICATION PURSUANT TO SECTION 5.02(e) OF THE AGREEMENT OR
AN OPINION OF COUNSEL SATISFACTORY TO THE MASTER SERVICER, THE COMPANY AND THE
TRUSTEE THAT THE PURCHASE OF THIS CERTIFICATE WILL NOT CONSTITUTE OR RESULT IN A
NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF THE EMPLOYEE RETIREMENT
INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), OR SECTION 4975 OF THE CODE
AND WILL NOT SUBJECT THE MASTER SERVICER, THE COMPANY OR THE TRUSTEE TO ANY
OBLIGATION OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT.
ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE MAY BE MADE ONLY
IF THE PROPOSED TRANSFEREE PROVIDES A TRANSFER AFFIDAVIT TO THE MASTER SERVICER
AND THE TRUSTEE THAT (1) SUCH TRANSFEREE IS NOT (A) THE UNITED STATES, ANY STATE
OR POLITICAL SUBDIVISION THEREOF, ANY FOREIGN GOVERNMENT, ANY INTERNATIONAL
ORGANIZATION, OR ANY AGENCY OR INSTRUMENTALITY OF ANY OF THE FOREGOING, (B) ANY
ORGANIZATION (OTHER THAN A COOPERATIVE DESCRIBED IN SECTION 521 OF THE CODE)
WHICH IS EXEMPT FROM THE TAX IMPOSED BY CHAPTER 1 OF THE CODE UNLESS SUCH
ORGANIZATION IS SUBJECT TO THE TAX IMPOSED BY SECTION 511 OF THE CODE, (C) ANY
ORGANIZATION DESCRIBED IN SECTION 1381(a)(2)(C) OF THE CODE, (ANY SUCH PERSON
DESCRIBED IN THE FOREGOING CLAUSES (A), (B) OR (C) BEING HEREIN REFERRED TO AS A
"DISQUALIFIED ORGANIZATION") OR (D) AN AGENT OF A DISQUALIFIED ORGANIZATION, (2)
NO PURPOSE OF SUCH TRANSFER IS TO IMPEDE THE ASSESSMENT OR COLLECTION OF TAX AND
(3) SUCH TRANSFEREE SATISFIES CERTAIN ADDITIONAL CONDITIONS RELATING TO THE
FINANCIAL CONDITION OF THE PROPOSED TRANSFEREE. NOTWITHSTANDING THE REGISTRATION
IN THE CERTIFICATE REGISTER OR ANY TRANSFER, SALE OR OTHER DISPOSITION OF THIS
CERTIFICATE TO A DISQUALIFIED ORGANIZATION OR AN AGENT OF A DISQUALIFIED
ORGANIZATION, SUCH REGISTRATION SHALL BE DEEMED TO BE OF NO LEGAL FORCE OR
EFFECT WHATSOEVER AND SUCH PERSON SHALL NOT BE DEEMED TO BE A CERTIFICATEHOLDER
FOR ANY PURPOSE HEREUNDER, INCLUDING, BUT NOT LIMITED TO, THE RECEIPT OF
DISTRIBUTIONS ON THIS CERTIFICATE. EACH HOLDER OF THIS CERTIFICATE BY ACCEPTANCE
OF THIS CERTIFICATE SHALL BE DEEMED TO HAVE CONSENTED TO THE PROVISIONS OF THIS
PARAGRAPH.
NY1-214425.3
<PAGE>
Certificate No. ___ [___]% Pass-Through Rate
Class R Senior Aggregate Initial Certificate
Principal Balance of the
Class R Certificates:
Date of Pooling and Servicing $100.00
Agreement and Cut-off Date:
June 1, 1997 Initial Certificate Principal
Balance of this Certificate:
First Distribution Date: $_______________
July 25, 1997
Percentage Interest:
Master Servicer: _______%
Residential Funding Corporation
CUSIP 76110F-_____
Assumed Final Distribution Date:
June 25, 2012
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE,
SERIES 1997-QS6
evidencing a percentage interest in any distributions allocable to the
Class R Certificates with respect to the Trust Fund consisting
primarily of a pool of conventional one- to four-family fixed interest
rate first mortgage loans formed and sold by RESIDENTIAL ACCREDIT
LOANS, INC.
This Certificate is payable solely from the assets of the
Trust Fund, and does not represent an obligation of or interest in Residential
Accredit Loans, Inc., the Master Servicer, the Trustee referred to below or GMAC
Mortgage Group, Inc. or any of their affiliates. Neither this Certificate nor
the underlying Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality or by Residential Accredit Loans, Inc., the Master
Servicer, the Trustee or GMAC Mortgage Group, Inc. or any of their affiliates.
None of the Company, the Master Servicer, GMAC Mortgage Group, Inc. or any of
their affiliates will have any obligation with respect to any certificate or
other obligation secured by or payable from payments on the Certificates.
This certifies that _________________________ is the
registered owner of the Percentage Interest evidenced by this Certificate
(obtained by dividing the Initial Certificate Principal Balance of this
Certificate by the aggregate Initial Certificate Principal Balance of all Class
R Certificates, both as specified above) in certain distributions with respect
to the Trust Fund consisting primarily of a pool of conventional one- to
four-family fixed interest rate first mortgage loans (the "Mortgage Loans"),
formed and sold by Residential Accredit Loans, Inc. (hereinafter called the
"Company," which term includes any successor entity under the Agreement referred
to below). The Trust Fund was created pursuant to a Pooling and Servicing
Agreement dated as specified
NY1-214425.3
D-2
<PAGE>
above (the "Agreement") among the Company, the Master Servicer and Bankers Trust
Company, as trustee (the "Trustee"), a summary of certain of the pertinent
provisions of which is set forth hereafter. To the extent not defined herein,
the capitalized terms used herein have the meanings assigned in the Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Agreement, to which Agreement the Holder of this Certificate
by virtue of the acceptance hereof assents and by which such Holder is bound.
Pursuant to the terms of the Agreement, a distribution will be
made on the 25th day of each month or, if such 25th day is not a Business Day,
the Business Day immediately following (the "Distribution Date"), commencing as
described in the Agreement, to the Person in whose name this Certificate is
registered at the close of business on the last day (or if such last day is not
a Business Day, the Business Day immediately preceding such last day) of the
month immediately preceding the month of such distribution (the "Record Date"),
from the Available Distribution Amount in an amount equal to the product of the
Percentage Interest evidenced by this Certificate and the amount (of interest
and principal, if any) required to be distributed to Holders of Class R
Certificates on such Distribution Date.
Each Holder of this Certificate will be deemed to have agreed
to be bound by the restrictions set forth in the Agreement to the effect that
(i) each person holding or acquiring any Ownership Interest in this Certificate
must be a United States Person and a Permitted Transferee, (ii) the transfer of
any Ownership Interest in this Certificate will be conditioned upon the delivery
to the Trustee of, among other things, an affidavit to the effect that it is a
United States Person and Permitted Transferee, (iii) any attempted or purported
transfer of any Ownership Interest in this Certificate in violation of such
restrictions will be absolutely null and void and will vest no rights in the
purported transferee, and (iv) if any person other than a United States Person
and a Permitted Transferee acquires any Ownership Interest in this Certificate
in violation of such restrictions, then the Company will have the right, in its
sole discretion and without notice to the Holder of this Certificate, to sell
this Certificate to a purchaser selected by the Company, which purchaser may be
the Company, or any affiliate of the Company, on such terms and conditions as
the Company may choose.
Notwithstanding the above, the final distribution on this
Certificate will be made after due notice of the pendency of such distribution
and only upon presentation and surrender of this Certificate at the office or
agency appointed by the Trustee for that purpose in the City and State of New
York. The Initial Certificate Principal Balance of this Certificate is set forth
above. The Certificate Principal Balance hereof will be reduced to the extent of
distributions allocable to principal and any Realized Losses allocable hereto.
Notwithstanding the reduction of the
NY1-214425.3
D-3
<PAGE>
Certificate Principal Balance hereof to zero, this Certificate will remain
outstanding under the Agreement and the Holder hereof may have additional
obligations with respect to this Certificate, including tax liabilities, and may
be entitled to certain additional distributions hereon, in accordance with the
terms and provisions of the Agreement.
No transfer of this Class R Certificate will be made unless
the Trustee has received either (i) an opinion of counsel acceptable to and in
form and substance satisfactory to the Trustee, the Company and the Master
Servicer with respect to the permissibility of such transfer under the Employee
Retirement Income Security Act of 1974, as amended ("ERISA"), and Section 4975
of the Internal Revenue Code (the "Code") and stating, among other things, that
the transferee's acquisition of a Class R Certificate will not constitute or
result in a non-exempt prohibited transaction under Section 406 of ERISA or
Section 4975 of the Code or (ii) a representation letter, in the form as
described by the Agreement, stating that the transferee is not an employee
benefit or other plan subject to the prohibited transaction provisions of ERISA
or Section 4975 of the Code (a "Plan"), or any other person (including an
investment manager, a named fiduciary or a trustee of any Plan) acting, directly
or indirectly, on behalf of or purchasing any Certificate with "plan assets" of
any Plan.
This Certificate is one of a duly authorized issue of
Certificates issued in several Classes designated as Mortgage Asset-Backed
Pass-Through Certificates of the Series specified hereon (herein collectively
called the "Certificates").
The Certificates are limited in right of payment to certain
collections and recoveries respecting the Mortgage Loans, all as more
specifically set forth herein and in the Agreement. In the event Master Servicer
funds are advanced with respect to any Mortgage Loan, such advance is
reimbursable to the Master Servicer, to the extent provided in the Agreement,
from related recoveries on such Mortgage Loan or from other cash that would have
been distributable to Certificateholders.
As provided in the Agreement, withdrawals from the Custodial
Account and/or the Certificate Account created for the benefit of
Certificateholders may be made by the Master Servicer from time to time for
purposes other than distributions to Certificateholders, such purposes including
without limitation reimbursement to the Company and the Master Servicer of
advances made, or certain expenses incurred, by either of them.
The Agreement permits, with certain exceptions therein
provided, the amendment of the Agreement and the modification of the rights and
obligations of the Company, the Master Servicer and the Trustee and the rights
of the Certificateholders under the Agreement at any time by the Company, the
Master Servicer and the Trustee with the consent of the Holders of Certificates
evidencing
NY1-214425.3
D-4
<PAGE>
in the aggregate not less than 66% of the Percentage Interests of each Class of
Certificates affected thereby. Any such consent by the Holder of this
Certificate shall be conclusive and binding on such Holder and upon all future
holders of this Certificate and of any Certificate issued upon the transfer
hereof or in exchange herefor or in lieu hereof whether or not notation of such
consent is made upon the Certificate. The Agreement also permits the amendment
thereof in certain circumstances without the consent of the Holders of any of
the Certificates and, in certain additional circumstances, without the consent
of the Holders of certain Classes of Certificates.
As provided in the Agreement and subject to certain
limitations therein set forth, the transfer of this Certificate is registrable
in the Certificate Register upon surrender of this Certificate for registration
of transfer at the offices or agencies appointed by the Trustee in the City and
State of New York, duly endorsed by, or accompanied by an assignment in the form
below or other written instrument of transfer in form satisfactory to the
Trustee and the Certificate Registrar duly executed by the Holder hereof or such
Holder's attorney duly authorized in writing, and thereupon one or more new
Certificates of authorized denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated transferee or transferees.
The Certificates are issuable only as registered Certificates
without coupons in Classes and in denominations specified in the Agreement. As
provided in the Agreement and subject to certain limitations therein set forth,
Certificates are exchangeable for new Certificates of authorized denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.
No service charge will be made for any such registration of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.
The Company, the Master Servicer, the Trustee and the
Certificate Registrar and any agent of the Company, the Master Servicer, the
Trustee or the Certificate Registrar may treat the Person in whose name this
Certificate is registered as the owner hereof for all purposes, and neither the
Company, the Master Servicer, the Trustee nor any such agent shall be affected
by notice to the contrary.
This Certificate shall be governed by and construed in
accordance with the laws of the State of New York.
The obligations created by the Agreement in respect of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to Certificateholders of all amounts held by or on behalf of the Trustee and
required to be paid to them pursuant to
NY1-214425.3
D-5
<PAGE>
the Agreement following the earlier of (i) the maturity or other liquidation of
the last Mortgage Loan subject thereto or the disposition of all property
acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan
and (ii) the purchase by the Master Servicer or the Company from the Trust Fund
of all remaining Mortgage Loans and all property acquired in respect of such
Mortgage Loans, thereby effecting early retirement of the Certificates. The
Agreement permits, but does not require, the Master Servicer or the Company to
(i) purchase at a price determined as provided in the Agreement all remaining
Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii)
purchase in whole, but not in part, all of the Certificates from the Holders
thereof; provided, that any such option may only be exercised if the Pool Stated
Principal Balance of the Mortgage Loans as of the Distribution Date upon which
the proceeds of any such purchase are distributed is less than ten percent of
the Cut-off Date Principal Balance of the Mortgage Loans.
Reference is hereby made to the further provisions of this
Certificate set forth on the reverse hereof, which further provisions shall for
all purpose have the same effect as if set forth at this place.
Unless the certificate of authentication hereon has been
executed by the Certificate Registrar, by manual signature, this Certificate
shall not be entitled to any benefit under the Agreement or be valid for any
purpose.
NY1-214425.3
D-6
<PAGE>
IN WITNESS WHEREOF, the Trustee has caused this Certificate to
be duly executed.
Dated: BANKERS TRUST COMPANY
as Trustee
By:
Authorized Signatory
CERTIFICATE OF AUTHENTICATION
This is one of the Class R Certificates referred to in the
within-mentioned Agreement.
BANKERS TRUST COMPANY,
as Certificate Registrar
By:
Authorized Signatory
NY1-214425.3
D-7
<PAGE>
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby sell(s),
assign(s) and transfer(s) unto
(Please print or typewrite
name and address including postal zip code of assignee) a Percentage Interest
evidenced by the within Mortgage Asset-Backed Pass-Through Certificate and
hereby authorizes the transfer of registration of such interest to assignee on
the Certificate Register of the Trust Fund.
I (We) further direct the Certificate Registrar to issue a new
Certificate of a like denomination and Class, to the above named assignee and
deliver such Certificate to the following address:
Dated:
Signature by or on behalf of assignor
Signature Guaranteed
DISTRIBUTION INSTRUCTIONS
The assignee should include the following for purposes of
distribution:
Distributions shall be made, by wire transfer or
otherwise, in immediately available funds to
for the
account of account
number , or, if mailed by check, to
Applicable
statements should be mailed to
.
This information is provided by
, the assignee named above, or
, as its agent.
<PAGE>
EXHIBIT E
CUSTODIAL AGREEMENT
THIS CUSTODIAL AGREEMENT (as amended and supplemented from
time to time, the "Agreement"), dated as of June 1, 1997, by and among BANKERS
TRUST COMPANY, as Trustee (including its successors under the Pooling Agreement
defined below, the "Trustee"), RESIDENTIAL ACCREDIT LOANS, INC. (together with
any successor in interest, the "Company"), RESIDENTIAL FUNDING CORPORATION, as
master servicer (together with any successor in interest or successor under the
Pooling Agreement referred to below, the "Master Servicer"), and NORWEST BANK
MINNESOTA, NATIONAL ASSOCIATION (together with any successor in interest or any
successor appointed hereunder, the "Custodian").
W I T N E S S E T H T H A T :
WHEREAS, the Company, the Master Servicer, and the Trustee
have entered into a Pooling and Servicing Agreement dated as of June 1, 1997,
relating to the issuance of Residential Accredit Loans, Inc., Mortgage
Asset-Backed Pass-Through Certificates, Series 1997-QS6 (as in effect on the
date of this agreement, the "Original Pooling Agreement," and as amended and
supplemented from time to time, the "Pooling Agreement"); and
WHEREAS, the Custodian has agreed to act as agent for the
Trustee for the purposes of receiving and holding certain documents and other
instruments delivered by the Company and the Master Servicer under the Pooling
Agreement, all upon the terms and conditions and subject to the limitations
hereinafter set forth;
NOW, THEREFORE, in consideration of the premises and the
mutual covenants and agreements hereinafter set forth, the Trustee, the Company,
the Master Servicer and the Custodian hereby agree as follows:
ARTICLE I
Definitions
Capitalized terms used in this Agreement and not defined
herein shall have the meanings assigned in the Original Pooling Agreement,
unless otherwise required by the context herein.
NY1-214425.3
<PAGE>
ARTICLE II
Custody of Mortgage Documents
Section 2.1. Custodian to Act as Agent; Acceptance of Mortgage
Files. The Custodian, as the duly appointed agent of the Trustee for these
purposes, acknowledges receipt of the Mortgage Files relating to the Mortgage
Loans identified on the schedule attached hereto (the "Mortgage Files") and
declares that it holds and will hold the Mortgage Files as agent for the
Trustee, in trust, for the use and benefit of all present and future
Certificateholders.
Section 2.2. Recordation of Assignments. If any Mortgage File
includes one or more assignments to the Trustee of Mortgage Notes and related
Mortgages that have not been recorded, each such assignment shall be delivered
by the Custodian to the Company for the purpose of recording it in the
appropriate public office for real property records, and the Company, at no
expense to the Custodian, shall promptly cause to be recorded in the appropriate
public office for real property records each such assignment and, upon receipt
thereof from such public office, shall return each such assignment to the
Custodian.
Section 2.3. Review of Mortgage Files.
(a) On or prior to the Closing Date, the Custodian shall
deliver to the Trustee an Initial Certification in the form annexed hereto as
Exhibit One evidencing receipt of a Mortgage File for each Mortgage Loan listed
on the Schedule attached hereto (the "Mortgage Loan Schedule").
(b) Within 45 days of the initial issuance of the
Certificates, the Custodian agrees, for the benefit of Certificateholders, to
review, in accordance with the provisions of Section 2.02 of the Pooling
Agreement, each Mortgage File, and shall deliver to the Trustee an Interim
Certification in the form annexed hereto as Exhibit Two to the effect that all
documents required to be delivered pursuant to Section 2.01(b) of the Pooling
Agreement have been executed and received and that such documents relate to the
Mortgage Loans identified on the Mortgage Loan Schedule, except for any
exceptions listed on Schedule A attached to such Interim Certification. In the
event that any Mortgage Note or Assignment of Mortgage has been delivered to the
Custodian by the Company in blank, the Custodian, upon the direction of the
Company, shall cause each such Mortgage Note to be endorsed to the Trustee and
each such Assignment of Mortgage to be completed in the name of the Trustee
prior to the date on which such Interim Certification is delivered to the
Trustee. Within 45 days of receipt of the documents required to be delivered
pursuant to Section 2.01(c) of the Pooling Agreement, the Custodian agrees, for
the benefit of Certificateholders, to review, in accordance with the provisions
of Section 2.02 of the Pooling Agreement, each such
NY1-214425.3
E-2
<PAGE>
document, and shall deliver to the Trustee either (i) an Interim Certification
in the form attached hereto as Exhibit Two to the effect that all such documents
relate to the Mortgage Loans identified on the Mortgage Loan Schedule, except
for any exceptions listed on Schedule A attached to such Interim Certification
or (ii) a Final Certification as set forth in subsection (c) below. The
Custodian shall be under no duty or obligation to inspect, review or examine
said documents, instruments, certificates or other papers to determine that the
same are genuine, enforceable, or appropriate for the represented purpose or
that they have actually been recorded or that they are other than what they
purport to be on their face. If in performing the review required by this
Section 2.3 the Custodian finds any document or documents constituting a part of
a Mortgage File to be defective in any material respect, the Custodian shall
promptly so notify the Company, the Master Servicer and the Trustee. Upon
receipt of written notification from the Master Servicer, signed by a Servicing
Officer, that the Master Servicer or a Subservicer, as the case may be, has made
a deposit into the Certificate Account in payment for the purchase of the
related Mortgage Loan in an amount equal to the Purchase Price for such Mortgage
Loan, the Custodian shall release to the Master Servicer the related Mortgage
File.
(c) Upon receipt of all documents required to be in the
Mortgage Files the Custodian shall deliver to the Trustee a Final Certification
in the form annexed hereto as Exhibit Three evidencing the completeness of the
Mortgage Files.
Upon receipt of written request from the Trustee, the
Custodian shall as soon as practicable supply the Trustee with a list of all of
the documents relating to the Mortgage Loans then contained in the Mortgage
Files.
Section 2.4. Notification of Breaches of Representations and
Warranties. Upon discovery by the Custodian of a breach of any representation or
warranty made by the Master Servicer or the Company as set forth in the Pooling
Agreement or by a Seller in a Seller's Agreement or by Residential Funding or
the Company in the Assignment Agreement with respect to a Mortgage Loan relating
to a Mortgage File, the Custodian shall give prompt written notice to the
Company, the Master Servicer and the Trustee.
Section 2.5. Custodian to Cooperate; Release of Mortgage
Files. Upon the repurchase or substitution of any Mortgage Loan pursuant to
Article II of the Pooling Agreement or payment in full of any Mortgage Loan, or
the receipt by the Master Servicer of a notification that payment in full will
be escrowed in a manner customary for such purposes, the Master Servicer shall
immediately notify the Custodian by a certification (which certification shall
include a statement to the effect that all amounts received or to be received in
connection with such payment which are required to be deposited in the Custodial
Account pursuant to Section 3.07 of the Pooling Agreement have been or will be
so deposited) of a
NY1-214425.3
E-3
<PAGE>
Servicing Officer and shall request delivery to it of the Mortgage File. The
Custodian agrees, upon receipt of such certification and request, promptly to
release to the Master Servicer the related Mortgage File. The Master Servicer
shall deliver to the Custodian and the Custodian agrees to accept the Mortgage
Note and other documents constituting the Mortgage File with respect to any
Qualified Substitute Mortgage Loan.
From time to time as is appropriate for the servicing or
foreclosures of any Mortgage Loan, including, for this purpose, collection under
any Primary Insurance Policy or any Mortgage Pool Insurance Policy, the Master
Servicer shall deliver to the Custodian a certificate of a Servicing Officer
requesting that possession of the Mortgage File be released to the Master
Servicer and certifying as to the reason for such release and that such release
will not invalidate any insurance coverage provided in respect of the Mortgage
Loan under any of the Required Insurance Policies. With such certificate, the
Master Servicer shall deliver to the Custodian a trust receipt signed by a
Servicing Officer on behalf of the Master Servicer, and upon receipt of the
foregoing, the Custodian shall deliver the Mortgage File to the Master Servicer.
The Master Servicer shall cause each Mortgage File so released to be returned to
the Custodian when the need therefor by the Master Servicer no longer exists,
unless (i) the Mortgage Loan has been liquidated and the Liquidation Proceeds
relating to the Mortgage Loan have been deposited in the Custodial Account or
(ii) the Mortgage File or any document therein has been delivered to an
attorney, or to a public trustee or other public official as required by law,
for purposes of initiating or pursuing legal action or other proceedings for the
foreclosure of the Mortgaged Property either judicially or non-judicially, and
the Master Servicer has delivered to the Custodian a certificate of a Servicing
Officer certifying as to the name and address of the Person to which such
Mortgage File or such document was delivered and the purpose or purposes of such
delivery. In the event of the liquidation of a Mortgage Loan, the Custodian
shall deliver the Trust Receipt with respect thereto to the Master Servicer upon
deposit of the related Liquidation Proceeds in the Custodial Account as provided
in the Pooling Agreement. In addition, upon the request of the Master Servicer,
the Custodian will send to the Master Servicer copies of any documents contained
in the Mortgage File so requested.
Section 2.6. Assumption Agreements. In the event that any
assumption agreement or substitution of liability agreement is entered into with
respect to any Mortgage Loan subject to this Agreement in accordance with the
terms and provisions of the Pooling Agreement, the Master Servicer shall notify
the Custodian that such assumption or substitution agreement has been completed
by forwarding to the Custodian the original of such assumption or substitution
agreement, which shall be added to the related Mortgage File and, for all
purposes, shall be considered a part of
NY1-214425.3
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<PAGE>
such Mortgage File to the same extent as all other documents and instruments
constituting parts thereof.
ARTICLE III
Concerning the Custodian
Section 3.1. Custodian a Bailee and Agent of the Trustee. With
respect to each Mortgage Note, Mortgage and other documents constituting each
Mortgage File which are delivered to the Custodian, the Custodian is exclusively
the bailee and agent of the Trustee and has no instructions to hold any Mortgage
Note or Mortgage for the benefit of any person other than the Trustee, holds
such documents for the benefit of Certificateholders and undertakes to perform
such duties and only such duties as are specifically set forth in this
Agreement. Except upon compliance with the provisions of Section 2.5 of this
Agreement, no Mortgage Note, Mortgage or other document constituting a part of a
Mortgage File shall be delivered by the Custodian to the Company or the Master
Servicer or otherwise released from the possession of the Custodian.
Section 3.2. Indemnification. The Company hereby agrees to
indemnify and hold the Custodian harmless from and against all claims,
liabilities, losses, actions, suits or proceedings at law or in equity, or any
other expenses, fees or charges of any character or nature, which the Custodian
may incur or with which the Custodian may be threatened by reason of its acting
as custodian under this Agreement, including indemnification of the Custodian
against any and all expenses, including attorney's fees if counsel for the
Custodian has been approved by the Company, and the cost of defending any
action, suit or proceedings or resisting any claim. Notwithstanding the
foregoing, it is specifically understood and agreed that in the event any such
claim, liability, loss, action, suit or proceeding or other expense, fee or
charge shall have been caused by reason of any negligent act, negligent failure
to act or willful misconduct on the part of the Custodian, or which shall
constitute a willful breach of its duties hereunder, the indemnification
provisions of this Agreement shall not apply.
Section 3.3. Custodian May Own Certificates. The Custodian in
its individual or any other capacity may become the owner or pledgee of
Certificates with the same rights it would have if it were not Custodian.
Section 3.4. Master Servicer to Pay Custodian's Fees and
Expenses. The Master Servicer covenants and agrees to pay to the Custodian from
time to time, and the Custodian shall be entitled to, reasonable compensation
for all services rendered by it in the exercise and performance of any of the
powers and duties hereunder of the Custodian, and the Master Servicer will pay
or reimburse the Custodian upon its request for all reasonable
NY1-214425.3
E-5
<PAGE>
expenses, disbursements and advances incurred or made by the Custodian in
accordance with any of the provisions of this Agreement (including the
reasonable compensation and the expenses and disbursements of its counsel and of
all persons not regularly in its employ), except any such expense, disbursement
or advance as may arise from its negligence or bad faith.
Section 3.5. Custodian May Resign; Trustee May Remove
Custodian. The Custodian may resign from the obligations and duties hereby
imposed upon it as such obligations and duties relate to its acting as Custodian
of the Mortgage Loans. Upon receiving such notice of resignation, the Trustee
shall either take custody of the Mortgage Files itself and give prompt notice
thereof to the Company, the Master Servicer and the Custodian, or promptly
appoint a successor Custodian by written instrument, in duplicate, one copy of
which instrument shall be delivered to the resigning Custodian and one copy to
the successor Custodian. If the Trustee shall not have taken custody of the
Mortgage Files and no successor Custodian shall have been so appointed and have
accepted appointment within 30 days after the giving of such notice of
resignation, the resigning Custodian may petition any court of competent
jurisdiction for the appointment of a successor Custodian.
The Trustee may remove the Custodian at any time. In
such event, the Trustee shall appoint, or petition a court of
competent jurisdiction to appoint, a successor Custodian hereunder.
Any successor Custodian shall be a depository institution subject
to supervision or examination by federal or state authority and
shall be able to satisfy the other requirements contained in
Section 3.7 and shall be unaffiliated with the Master Servicer or
the Company.
Any resignation or removal of the Custodian and appointment of
a successor Custodian pursuant to any of the provisions of this Section 3.5
shall become effective upon acceptance of appointment by the successor
Custodian. The Trustee shall give prompt notice to the Company and the Master
Servicer of the appointment of any successor Custodian. No successor Custodian
shall be appointed by the Trustee without the prior approval of the Company and
the Master Servicer.
Section 3.6. Merger or Consolidation of Custodian. Any
------------------------------------
Person into which the Custodian may be merged or converted or with
which it may be consolidated, or any Person resulting from any
merger, conversion or consolidation to which the Custodian shall be
a party, or any Person succeeding to the business of the Custodian,
shall be the successor of the Custodian hereunder, without the
execution or filing of any paper or any further act on the part of
any of the parties hereto, anything herein to the contrary
notwithstanding.
Section 3.7. Representations of the Custodian. The
Custodian hereby represents that it is a depository institution
NY1-214425.3
E-6
<PAGE>
subject to supervision or examination by a federal or state authority, has a
combined capital and surplus of at least $10,000,000 and is qualified to do
business in the jurisdictions in which it will hold any Mortgage File.
ARTICLE IV
Miscellaneous Provisions
Section 4.1. Notices. All notices, requests, consents and
demands and other communications required under this Agreement or pursuant to
any other instrument or document delivered hereunder shall be in writing and,
unless otherwise specifically provided, may be delivered personally, by telegram
or telex, or by registered or certified mail, postage prepaid, return receipt
requested, at the addresses specified on the signature page hereof (unless
changed by the particular party whose address is stated herein by similar notice
in writing), in which case the notice will be deemed delivered when received.
Section 4.2. Amendments. No modification or amendment of or
supplement to this Agreement shall be valid or effective unless the same is in
writing and signed by all parties hereto, and neither the Company, the Master
Servicer nor the Trustee shall enter into any amendment hereof except as
permitted by the Pooling Agreement. The Trustee shall give prompt notice to the
Custodian of any amendment or supplement to the Pooling Agreement and furnish
the Custodian with written copies thereof.
Section 4.3. Governing Law. This Agreement shall be deemed a
contract made under the laws of the State of New York and shall be construed and
enforced in accordance with and governed by the laws of the State of New York.
Section 4.4. Recordation of Agreement. To the extent permitted
by applicable law, this Agreement is subject to recordation in all appropriate
public offices for real property records in all the counties or other comparable
jurisdictions in which any or all of the properties subject to the Mortgages are
situated, and in any other appropriate public recording office or elsewhere,
such recordation to be effected by the Master Servicer and at its expense on
direction by the Trustee (pursuant to the request of holders of Certificates
evidencing undivided interests in the aggregate of not less than 25% of the
Trust Fund), but only upon direction accompanied by an Opinion of Counsel
reasonably satisfactory to the Master Servicer to the effect that the failure to
effect such recordation is likely to materially and adversely affect the
interests of the Certificateholders.
For the purpose of facilitating the recordation of this
Agreement as herein provided and for other purposes, this Agreement may be
executed simultaneously in any number of counterparts, each
NY1-214425.3
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<PAGE>
of which counterparts shall be deemed to be an original, and such counterparts
shall constitute but one and the same instrument.
Section 4.5. Severability of Provisions. If any one or more of
the covenants, agreements, provisions or terms of this Agreement shall be for
any reason whatsoever held invalid, then such covenants, agreements, provisions
or terms shall be deemed severable from the remaining covenants, agreements,
provisions or terms of this Agreement and shall in no way affect the validity or
enforceability of the other provisions of this Agreement or of the Certificates
or the rights of the holders thereof.
NY1-214425.3
E-8
<PAGE>
IN WITNESS WHEREOF, this Agreement is executed as of the date
first above written.
Address: BANKERS TRUST COMPANY,
as Trustee
3 Park Plaza
Irvine, California 92714
Attention: Residential Funding Corporation
Series 1997-QS6
By:
Name:
Title:
Address: RESIDENTIAL ACCREDIT LOANS, INC.
8400 Normandale Lake Boulevard
Minneapolis, Minnesota 55437
By:
Name:
Title: Vice President
Address: RESIDENTIAL FUNDING
CORPORATION, as Master Servicer
8400 Normandale Lake Boulevard
Suite 700
Minneapolis, Minnesota 55437
By:
Name:
Title: Director
Address: NORWEST BANK MINNESOTA,
NATIONAL ASSOCIATION
401 Second Avenue South
Minneapolis, Minnesota 55479
By:
Name:
Title:
E-9
<PAGE>
STATE OF )
) ss.:
COUNTY OF )
On the 30th day of April, 1997, before me, a notary public in
and for said State, personally appeared _______________________, known to me to
be a ______________ of Bankers Trust Company, the New York banking corporation
that executed the within instrument, and also known to me to be the person who
executed it on behalf of said corporation and acknowledged to me that such
corporation executed the within instrument.
IN WITNESS WHEREOF, I have hereunto set my hand and affixed my
official seal the day and year in this certificate first above written.
Notary Public
[SEAL]
<PAGE>
STATE OF MINNESOTA )
) ss.:
COUNTY OF HENNEPIN )
On the 30th day of April, 1997, before me, a notary public in
and for said State, personally appeared ___________________, known to me to be a
Trust Officer of Norwest Bank Minnesota, National Association, a national
banking association that executed the within instrument, and also known to me to
be the person who executed it on behalf of said national banking association,
and acknowledged to me that such national banking association executed the
within instrument.
IN WITNESS WHEREOF, I have hereunto set my hand and affixed my
official seal the day and year in this certificate first above written.
Notary Public
[SEAL]
<PAGE>
STATE OF MINNESOTA )
) ss.:
COUNTY OF HENNEPIN )
On the 30th day of April, 1997, before me, a notary public in
and for said State, personally appeared ________________, known to me to be a
Vice President of Residential Accredit Loans, Inc., one of the corporations that
executed the within instrument, and also known to me to be the person who
executed it on behalf of said corporation, and acknowledged to me that such
corporation executed the within instrument.
IN WITNESS WHEREOF, I have hereunto set my hand and affixed my
official seal the day and year in this certificate first above written.
Notary Public
[Notarial Seal]
STATE OF MINNESOTA )
) ss:
COUNTY OF HENNEPIN )
On the 30th day of April, 1997, before me, a notary public in
and for said State, personally appeared ________________, known to me to be a
Director of Residential Funding Corporation, one of the corporations that
executed the within instrument, and also known to me to be the person who
executed it on behalf of said corporation, and acknowledged to me that such
corporation executed the within instrument.
IN WITNESS WHEREOF, I have hereunto set my hand and affixed my
official seal the day and year in this certificate first above written.
Notary Public
[Notarial Seal]
<PAGE>
EXHIBIT ONE
FORM OF CUSTODIAN
INITIAL CERTIFICATION
June 30, 1997
Bankers Trust Company
3 Park Plaza
Irvine, California 92714
Attention: Residential Funding Corporation Series 1997-QS6
Re: Custodial Agreement dated as of June 1, 1997, by
and among Bankers Trust Company, Residential
Accredit Loans, Inc., Residential Funding
Corporation and Norwest Bank Minnesota, National
Association, Mortgage Asset-Backed Pass-Through
Certificates, Series 1997-QS6
Ladies and Gentlemen:
In accordance with Section 2.3 of the above-captioned
Custodial Agreement, and subject to Section 2.02 of the Pooling Agreement, the
undersigned, as Custodian, hereby certifies that it has received a Mortgage File
(which contains an original Mortgage Note) to the extent required in Section
2.01(b) of the Pooling Agreement with respect to each Mortgage Loan listed in
the Mortgage Loan Schedule.
Capitalized words and phrases used herein shall have the
respective meanings assigned to them in the above-captioned Custodial Agreement.
NORWEST BANK MINNESOTA,
NATIONAL ASSOCIATION
By:
Name:
Title:
<PAGE>
EXHIBIT TWO
FORM OF CUSTODIAN INTERIM CERTIFICATION
________________ ____, 1997
Bankers Trust Company
3 Park Plaza
Irvine, California 92714
Attention: Residential Funding Corporation Series 1997-QS6
Re: Custodial Agreement dated as of June 1, 1997, by
and among Bankers Trust Company, Residential
Accredit Loans, Inc., Residential Funding
Corporation and Norwest Bank Minnesota, National
Association, Mortgage Asset-Backed Pass-Through
Certificates, Series 1997-QS6
Ladies and Gentlemen:
In accordance with Section 2.3 of the above-captioned
Custodial Agreement, the undersigned, as Custodian, hereby certifies that it has
received a Mortgage File to the extent required pursuant to Section 2.01(b) of
the Pooling Agreement with respect to each Mortgage Loan listed in the Mortgage
Loan Schedule, and it has reviewed the Mortgage File and the Mortgage Loan
Schedule and has determined that: all required documents have been executed and
received and that such documents related to the Mortgage Loans identified on the
Mortgage Loan Schedule, with any exceptions listed on Schedule A attached
hereto.
Capitalized words and phrases used herein shall have the
respective meanings assigned to them in the above-captioned Custodial Agreement.
NORWEST BANK MINNESOTA,
NATIONAL ASSOCIATION
By:
Name:
Title:
<PAGE>
EXHIBIT THREE
FORM OF CUSTODIAN FINAL CERTIFICATION
_____________ ___, 1997
Bankers Trust Company
3 Park Plaza
Irvine, California 92714
Attention: Residential Funding Corporation Series 1997-QS6
Re: Custodial Agreement dated as of June 1, 1997, by
and among Bankers Trust Company, Residential
Accredit Loans, Inc., Residential Funding
Corporation and Norwest Bank Minnesota, National
Association, Mortgage Asset-Backed Pass-Through
Certificates, Series 1997-QS6
Ladies and Gentlemen:
In accordance with Section 2.3 of the above-captioned
Custodial Agreement, the undersigned, as Custodian, hereby certifies that it has
received a Mortgage File with respect to each Mortgage Loan listed in the
Mortgage Loan Schedule containing (I) with respect to each such Mortgage Loan
(other than a Cooperative Loan):
(i) The original Mortgage Note, endorsed without recourse to
the order of the Trustee and showing an unbroken chain of endorsements
from the originator thereof to the Person endorsing it to the Trustee
or an original lost note affidavit from the related Seller or
Residential Funding stating that the original Mortgage Note was lost,
misplaced or destroyed, together with a copy of the related Mortgage
Note;
(ii) The original Mortgage with evidence of recording
indicated thereon or a copy of the Mortgage certified by the public
recording office in which such mortgage has been recorded;
(iii) An original Assignment of the Mortgage to the Trustee
with evidence of recording indicated thereon or a copy of such
assignment certified by the public recording office in which such
assignment has been recorded;
(iv) With respect to each Mortgage Loan other than a
Cooperative Loan, the original recorded assignment or assignments of
the Mortgage showing an unbroken chain of
<PAGE>
title from the originator thereof to the Person assigning it to the
Trustee or a copy of such assignment or assignments of the Mortgage
certified by the public recording office in which such assignment or
assignments have been recorded; and
(v) The original of each modification, assumption agreement or
preferred loan agreement, if any, relating to such Mortgage Loan or a
copy of each modification, assumption agreement or preferred loan
agreement certified by the public recording office in which such
document has been recorded;
and (II) with respect to each Cooperative Loan so assigned:
(i) The original Mortgage Note, endorsed without recourse to
the order of the Trustee and showing an unbroken chain of endorsements from the
originator thereof to the Person endorsing it to the Trustee, or with respect to
any Destroyed Mortgage Note, an original lost note affidavit from the related
Seller or Residential Funding stating that the original Mortgage Note was lost,
misplaced or destroyed, together with a copy of the related Mortgage Note;
(ii) A counterpart of the Cooperative Lease and the Assignment
of Proprietary Lease to the originator of the Cooperative Loan with intervening
assignments showing an unbroken chain of title from such originator to the
Trustee;
(iii) The related Cooperative Stock Certificate, representing
the related Cooperative Stock pledged with respect to such Cooperative Loan,
together with an undated stock power (or other similar instrument) executed in
blank;
(iv) The original recognition agreement by the
Cooperative of the interests of the mortgagee with respect to the
related Cooperative Loan;
(v) The Security Agreement;
(vi) Copies of the original UCC-1 financing statement, and any
continuation statements, filed by the originator of such Cooperative Loan as
secured party, each with evidence of recording thereof, evidencing the interest
of the originator under the Security Agreement and the Assignment of Proprietary
Lease;
(vii) Copies of the filed UCC-3 assignments of the security
interest referenced in clause (vi) above showing an unbroken chain of title from
the originator to the Trustee, each with evidence of recording thereof,
evidencing the interest of the originator under the Security Agreement and the
Assignment of Proprietary Lease;
E-4
<PAGE>
(viii) An executed assignment of the interest of the
originator in the Security Agreement, Assignment of Proprietary Lease and the
recognition agreement referenced in clause (iv) above, showing an unbroken chain
of title from the originator to the Trustee;
(ix) The original of each modification,
assumption agreement or preferred loan agreement, if any, relating to such
Cooperative Loan; and
(x) An executed UCC-1 financing statement showing the Master
Servicer as debtor, the Company as secured party and the Trustee as assignee and
an executed UCC-1 financing statement showing the Company as debtor and the
Trustee as secured party, each in a form sufficient for filing, evidencing the
interest of such debtors in the Cooperative Loans.
Capitalized words and phrases used herein shall have the
respective meanings assigned to them in the above-captioned Custodial Agreement.
NORWEST BANK MINNESOTA, NATIONAL
ASSOCIATION
By:
Name:
Title:
E-5
<PAGE>
EXHIBIT F
MORTGAGE LOAN SCHEDULE
RUN ON : 06/27/97 RFC DISCLOSURE SYSTEM RFFSD177-01
AT : 06.02.48 FIXED RATE LOAN LISTING AMORTIZED BALANCE
SERIES : RALI 1997-QS6 15 YR CUTOFF : 06/01/97
POOL : 0004249
:
:
POOL STATUS: F
RFC LOAN # S/S CODE PMT TYPE ORIGINAL BAL LOAN FEATURE
ORIG TERM PRINCIPAL BAL # OF UNITS
ADDRESS ORIG RATE ORIGINAL P+I LTV
ADDRESS LINE 2 CURR NET CURRENT P+I VALUE
CITY STATE ZIP LOAN PURP NOTE DATE MI CO CODE
SERVICER LOAN # PROP TYPE 1ST PMT DATE MI CVG
SELLER LOAN # OCCP CODE MATURITY DATE
INVESTOR LOAN #
______________________________________________________________________________
0152091 661/661 F 30,000.00 T
180 29,376.78 1
475 STRAIGHT CREEK DRIVE 9.500 313.27 33
UNIT 202 BLDG A 9.250 313.27 92,000.00
DILLON CO 80435 1 09/13/96 00
UNKNOWN 01 11/01/96 0
UNKNOWN O 10/01/11
0
1480877 270/G02 F 120,000.00 ZZ
180 118,299.33 1
6010 BURGOYNE ROAD 8.375 1,172.92 40
8.125 1,172.92 300,000.00
HOUSTON TX 77057 4 12/27/96 00
0430129031 05 02/01/97 0
4875662 O 01/01/12
0
1502792 405/405 F 168,000.00 ZZ
180 162,650.53 1
9712 CLAIRBORNE SQUARE 8.375 1,642.08 48
8.125 1,642.08 352,000.00
SAN DIEGO CA 92037 2 06/06/96 00
3943552 01 08/01/96 0
3943552 N 07/01/11
0
1508236 664/G02 F 165,000.00 ZZ
180 161,583.30 1
11836 SE REDHAWKS LANE 8.375 1,612.76 42
8.125 1,612.76 394,950.00
PORTLAND OR 97236 1 12/03/96 00
0430102384 03 02/01/97 0
1
2219251 O 01/01/12
0
1511755 232/076 F 36,550.00 ZZ
120 34,187.63 1
217 SOUTH WALNUT STREET 9.000 463.00 85
8.750 463.00 43,000.00
TOMBALL TX 77375 1 05/24/96 01
11014133 05 07/01/96 20
11014133 N 06/01/06
0
1511865 635/225 F 38,250.00 ZZ
180 37,322.58 2
305 N LATROBE 9.125 390.81 85
8.875 390.81 45,000.00
CHICAGO IL 60644 1 08/19/96 04
8020595 05 10/01/96 25
6531412 N 09/01/11
0
1513203 B26/G02 F 255,000.00 ZZ
180 249,404.66 1
8769 14TH AVENUE 8.875 2,567.45 75
8.625 2,567.45 340,000.00
BROOKLYN NY 11228 5 09/05/96 00
0430034553 05 11/01/96 0
9311011347R O 10/01/11
0
1515659 201/G02 F 62,750.00 ZZ
180 61,435.73 1
1616 CARMAN PLACE 8.750 627.16 41
COUNTY OF NASSAU 8.500 627.16 155,000.00
BALDWIN NY 11510 1 10/31/96 00
0430087189 05 12/01/96 0
2400913485 O 11/01/11
0
1519267 180/G02 F 61,650.00 ZZ
180 60,037.96 1
201-F AVONDALE STREET 8.250 598.09 90
8.000 598.09 68,500.00
HOUSTON TX 77006 1 09/26/96 04
0430063040 05 10/01/96 25
4188819 N 09/01/11
0
1
1519325 635/225 F 55,950.00 ZZ
180 54,667.91 1
2916 CLEAR SPRINGS DRIVE 8.375 546.87 63
8.125 546.87 89,000.00
PLANO TX 75075 2 09/04/96 00
6587810 09 11/01/96 0
6587810 O 10/01/11
0
1519950 A76/G02 F 83,800.00 ZZ
180 76,389.88 1
10900 NW 12TH PL 9.000 849.96 66
8.750 849.96 128,000.00
PLANTATION FL 33322 2 09/24/96 00
0430053058 03 11/01/96 0
2638252 O 10/01/11
0
1520457 001/G02 F 53,100.00 ZZ
180 51,826.45 1
536 MAIN ST 9.250 546.51 90
UNIT 8 9.000 546.51 59,000.00
FALMOUUTH MA 02540 1 08/30/96 04
0430031377 01 10/01/96 25
1506527 N 09/01/11
0
1522839 B24/G02 F 123,000.00 ZZ
180 120,005.55 1
125 THIRD STREET 8.875 1,238.42 75
8.625 1,238.42 164,000.00
DUNELLEN NJ 08812 2 09/19/96 00
0430034322 05 11/01/96 0
167099 O 10/01/11
0
1522891 526/G02 F 17,000.00 ZZ
180 16,609.71 1
187 PLYMOUTH AVENUE 9.750 180.10 85
9.500 180.10 20,000.00
BUFFALO NY 14213 1 08/09/96 10
0430021675 05 10/01/96 20
128310 N 09/01/11
0
1522984 180/G02 F 28,100.00 ZZ
180 27,718.92 2
1613-15 PIETY STREET 8.875 282.92 90
8.625 282.92 31,250.00
1
NEW ORLEANS LA 70117 1 12/19/96 04
0430117143 09 02/01/97 25
4188991 N 01/01/12
0
1523031 633/G02 F 74,500.00 ZZ
180 73,023.38 1
11112 WALNUT STREET 8.500 733.63 65
8.250 733.63 115,000.00
BLOOMINGTON CA 92316 5 10/08/96 00
0430060624 05 12/01/96 0
673122 N 11/01/11
0
1523048 180/G02 F 28,100.00 ZZ
180 27,718.92 2
1617-1619 PIETY STREET 8.875 282.92 90
8.625 282.92 31,250.00
NEW ORLEANS LA 70117 1 12/19/96 04
0430121012 05 02/01/97 25
4189007 N 01/01/12
0
1523481 253/G02 F 41,950.00 ZZ
180 40,561.45 2
1303 KIRKWOOD ROAD 8.125 403.93 39
7.875 403.93 108,000.00
AUSTIN TX 78722 2 08/12/96 00
0430021402 05 10/01/96 0
320027 N 09/01/11
0
1523884 001/G02 F 63,900.00 ZZ
180 62,557.88 1
1637 RED BARN DRIVE 9.375 662.45 90
9.125 662.45 71,000.00
CORDOVA TN 38018 1 09/04/96 01
0430123034 09 11/01/96 25
UNKNOWN N 10/01/11
0
1524045 470/G02 F 297,000.00 ZZ
180 289,641.06 1
7626 CLEMENT ROAD 8.875 2,990.33 79
8.625 2,990.33 380,000.00
VACAVILLE CA 95688 5 08/09/96 00
0430033415 05 10/01/96 0
25081606 O 09/01/11
0
1
1524105 180/G02 F 57,150.00 ZZ
180 56,092.25 1
1109 WILLIAMS ST 9.250 588.18 90
9.000 588.18 63,500.00
RAMSEUR NC 27316 1 10/10/96 04
0430063214 05 12/01/96 25
3960291 N 11/01/11
0
1524172 766/G02 F 30,700.00 T
180 29,979.64 1
18801 COLLINS AVENUE #50 9.500 320.58 75
9.250 320.58 40,990.00
MIAMI BEACH FL 33160 1 08/19/96 00
0430026278 01 10/01/96 0
96OZ0484 O 09/01/11
0
1524249 526/G02 F 53,550.00 ZZ
180 52,018.71 2
6404-6406 LANDVIEW DRIVE 9.625 563.23 85
9.375 563.23 63,000.00
FORT WORTH TX 76133 1 06/24/96 04
0430028753 05 08/01/96 12
124166 N 07/01/11
0
1524663 131/G02 F 100,000.00 ZZ
180 97,530.40 1
5001 HEATHER DRIVE 7.500 927.01 44
7.250 927.01 230,000.00
ANACORTES WA 98221 1 09/12/96 00
0430223024 05 11/01/96 0
9449140 O 10/01/11
0
1525173 G08/G02 F 36,500.00 ZZ
120 34,929.94 1
2082 ELDORADO DRIVE 8.750 457.45 49
8.500 457.45 76,000.00
GAINESVILLE GA 30507 2 09/24/96 00
0430072801 05 11/01/96 0
UNKNOWN O 10/01/06
0
1526754 E22/G02 F 105,600.00 T
180 103,055.27 1
1
9755 NW 52 STREET UNIT # 512 9.250 1,086.83 79
9.000 1,086.83 135,000.00
MIAMI FL 33178 1 08/16/96 95
0410237796 08 10/01/96 0
410237796 O 09/01/11
0
1526828 098/G02 F 128,000.00 ZZ
180 125,615.43 1
474 WINANT AVENUE 7.375 1,177.51 80
7.125 1,177.51 160,000.00
STATEN ISLAND NY 10309 2 12/09/96 00
0430110387 03 02/01/97 0
9612036070 O 01/01/12
0
1527345 180/G02 F 70,000.00 ZZ
180 68,243.24 1
20034 PORTERO DRIVE 8.500 689.32 44
8.250 689.32 160,000.00
REDDING CA 96003 2 10/04/96 00
0430065110 05 12/01/96 0
4437711 O 11/01/11
0
1527507 E53/G02 F 107,650.00 ZZ
179 107,356.13 1
16305 67TH XOURT NORTH 8.750 1,078.82 80
8.500 1,078.82 134,658.00
LOXAHATCHEE FL 33470 1 04/25/97 00
0430222919 05 06/01/97 0
UNKNOWN O 04/01/12
0
1527932 286/286 F 64,000.00 ZZ
180 62,465.07 1
3649 HWY 357 9.250 658.69 80
9.000 658.69 80,000.00
INMAN SC 29349 1 08/21/96 10
8335306 05 10/01/96 17
8335306 N 09/01/11
0
1528018 F27/G02 F 150,000.00 ZZ
180 146,904.27 1
1409 LEHMAN COURT 8.000 1,433.48 75
7.750 1,433.48 200,135.00
ANNAPOLIS MD 21401 1 10/04/96 00
0430102301 03 12/01/96 0
1
UNKNOWN O 11/01/11
0
1528069 816/G02 F 123,650.00 ZZ
180 121,310.54 4
2248 WEST 3650 SOUTH 9.000 1,254.14 75
8.750 1,254.14 166,641.00
WEST VALLEY CIT UT 84119 4 10/07/96 00
0430069344 05 12/01/96 0
141014 N 11/01/11
0
1528091 B26/G02 F 100,000.00 ZZ
180 98,044.95 1
701 SPRAGUE AVENUE 8.625 992.08 45
8.375 992.08 225,000.00
FRANLKIN SQUARE NY 11010 5 10/10/96 00
0430061085 05 12/01/96 0
0107890 O 11/01/11
0
1528553 A91/G02 F 118,000.00 ZZ
180 115,726.85 1
234 CEDAR STREET 8.875 1,188.08 79
8.625 1,188.08 150,000.00
HEMPSTEAD NY 11550 2 10/23/96 00
0430057273 05 12/01/96 0
170965 O 11/01/11
0
1528569 G08/G02 F 36,400.00 ZZ
180 35,003.08 1
9 UPATOIE DRIVE 9.625 382.85 70
9.375 382.85 52,000.00
COLUMBUS GA 31903 5 10/01/96 00
0430063172 05 11/01/96 0
9340753 N 10/01/11
0
1529304 828/G02 F 34,200.00 ZZ
180 33,497.33 1
8014 BLUE JAY TWIN CIRCLE 9.625 359.71 90
9.375 359.71 38,000.00
HUMBLE TX 77396 1 10/02/96 04
0430066563 03 11/01/96 25
68090002 N 10/01/11
0
1
1529350 664/G02 F 39,100.00 ZZ
180 38,222.19 2
77 CHALMERS AVENUE 8.875 393.68 85
8.625 393.68 46,000.00
AUSTIN TX 78702 1 09/13/96 10
0430055061 05 11/01/96 20
2147676 N 10/01/11
0
1529352 626/G02 F 243,750.00 ZZ
180 219,585.36 4
3411-3423 SE 85TH AVENUE 7.875 2,311.85 75
7.625 2,311.85 325,000.00
PORTLAND OR 97220 1 09/12/96 00
0430041335 05 11/01/96 0
6661458 N 10/01/11
0
1529448 635/225 F 40,000.00 ZZ
180 39,346.58 1
48 THURLOW AVENUE 8.875 402.74 38
8.625 402.74 108,000.00
IRONDEQUOIT NY 14609 5 11/05/96 00
662638600 05 01/01/97 0
662638600 O 12/01/11
0
1529458 635/225 F 103,200.00 ZZ
180 100,840.64 1
LOTS 508 & 509 SECTION A 8.500 1,016.26 74
8.250 1,016.26 140,000.00
POCONO TWP PA 18372 2 11/12/96 00
662631100 05 01/01/97 0
662631100 O 12/01/11
0
1529797 964/G02 F 278,000.00 T
180 274,859.35 1
535 FRONT LANE 8.375 2,717.25 75
8.125 2,717.25 370,950.00
MOUNTAIN VIEWS CA 94041 1 01/06/97 00
0430132969 03 03/01/97 0
20338 O 02/01/12
0
1529885 626/G02 F 270,300.00 ZZ
180 264,304.07 1
9350 OAK LEAF WAY 8.750 2,701.51 85
8.500 2,701.51 318,000.00
1
GRANITE BAY CA 95746 5 09/16/96 01
0430045575 03 11/01/96 12
6658165 O 10/01/11
0
1530007 828/G02 F 83,850.00 ZZ
180 82,387.56 1
29730 SADDLEBACK CIRCLE 8.125 807.38 73
7.875 807.38 115,000.00
FAIR OAKS RANCH TX 78015 2 10/31/96 00
0430093625 05 01/01/97 0
65250058 O 12/01/11
0
1530157 E22/G02 F 53,500.00 ZZ
180 51,467.94 1
9206 NW 1ST STREET UNIT #205 9.625 562.70 85
9.375 562.70 63,000.00
PEMBROKE PINES FL 33024 5 09/17/96 23
0410240212 01 11/01/96 0
410240212 O 10/01/11
0
1530360 B47/G02 F 56,250.00 ZZ
180 55,174.02 1
1862 GRANTHAM PLACE 8.875 566.35 75
8.625 566.35 75,000.00
HOFFMAN ESTATES IL 60195 1 10/10/96 00
0430047282 09 12/01/96 0
170453 N 11/01/11
0
1530481 737/G02 F 47,250.00 ZZ
180 46,385.04 1
100 PLUM ORCHARD DRIVE 9.375 489.84 90
9.125 489.84 52,500.00
COVINGTON GA 30209 1 10/17/96 04
0430061309 05 12/01/96 25
558020 N 11/01/11
0
1530491 737/G02 F 47,250.00 ZZ
180 46,385.04 2
140 PLUM ORCHARD DR 9.375 489.84 90
9.125 489.84 52,500.00
COVINGTON GA 30209 1 10/17/96 04
0430061101 05 12/01/96 25
558019 N 11/01/11
0
1
1530510 560/560 F 222,000.00 ZZ
180 208,998.59 1
90-09 157TH AVENUE 8.625 2,202.42 59
8.375 2,202.42 382,000.00
HOWARD BEACH NY 11414 5 09/08/95 00
450222591 05 11/01/95 0
450222591 O 10/01/10
0
1530567 776/G02 F 109,500.00 ZZ
180 106,767.25 4
407,407.5,409 & 409.5 11TH 9.500 1,143.43 75
AVENUE SOUTH 9.250 1,143.43 146,000.00
NAMPA ID 83686 2 09/20/96 00
0430046938 05 11/01/96 0
2536473 N 10/01/11
0
1530608 A78/G02 F 53,400.00 ZZ
180 52,389.66 2
1013 5TH AVENUE 9.000 541.62 66
8.750 541.62 82,000.00
GREELEY CO 80631 5 10/15/96 00
0430066993 05 12/01/96 0
080571045 N 11/01/11
0
1530947 F41/G02 F 18,350.00 ZZ
180 17,067.40 1
1124 RIVER ROAD 9.000 186.12 65
8.750 186.12 28,290.00
NORTH FORT MYER FL 33903 1 10/23/96 00
0430068593 05 12/01/96 0
27045 N 11/01/11
0
1530969 811/G02 F 50,000.00 T
180 49,084.71 1
1492 BARCELONA WAY 9.375 518.35 56
9.125 518.35 90,279.00
FT LAUDERDALE FL 33327 1 10/23/96 00
0430067108 09 12/01/96 0
FM00101852 O 11/01/11
0
1531201 638/G02 F 43,900.00 ZZ
180 43,069.42 1
1
805 MEMORIAL DRIVE 9.000 445.26 90
8.750 445.26 48,792.00
WYLIE TX 75098 1 10/16/96 10
0430074492 05 12/01/96 25
8600226 N 11/01/11
0
1531274 076/076 F 28,000.00 ZZ
120 26,810.61 1
691 PEAIRS RD 9.000 354.70 45
8.750 354.70 63,000.00
ELIZABETH TWP PA 15037 1 10/25/96 00
7060135 05 12/01/96 0
7060135 O 11/01/06
0
1531488 180/G02 F 27,450.00 ZZ
180 26,930.61 1
210 MAPLE STREET 9.000 278.42 90
8.750 278.42 30,500.00
FARMERSVILLE TX 75442 1 10/18/96 04
0430068866 05 12/01/96 25
4591020 N 11/01/11
0
1531495 G10/G02 F 113,500.00 ZZ
180 109,866.48 1
2814 GRASMERE STREET 9.250 1,168.14 80
9.000 1,168.14 141,900.00
GARLAND TX 75040 1 10/01/96 00
0430053470 05 11/01/96 0
960052 O 10/01/11
0
1531561 E22/G02 F 33,750.00 ZZ
180 33,071.77 3
444,446,446 1/2 N LASALLE 9.875 360.10 90
9.625 360.10 37,500.00
INDIANAPOLIS IN 46201 1 09/12/96 04
0410161749 05 11/01/96 25
410161749 N 10/01/11
0
1531832 E22/G02 F 69,100.00 ZZ
180 66,527.45 1
14305 FRANKLIN STREET 9.000 700.86 54
8.750 700.86 130,000.00
WOODBRIDGE VA 22191 5 08/16/96 00
0410198063 05 10/01/96 0
1
410198063 O 09/01/11
0
1531846 A38/G02 F 40,600.00 ZZ
180 39,797.59 1
5903 ROYAL CREST DRIVE 8.500 399.80 70
8.250 399.80 58,000.00
ARLINGTON TX 76017 2 10/31/96 00
0430102277 05 12/01/96 0
160078 N 11/01/11
0
1531891 377/377 F 164,000.00 ZZ
180 160,517.42 4
313 W MOORE STREET 9.250 1,687.88 85
9.000 1,687.88 193,000.00
TOWN OF HACKETT NJ 07840 1 09/30/96 01
6171425 05 11/01/96 20
6171425 N 10/01/11
0
1531942 E22/G02 F 26,000.00 ZZ
180 25,415.19 2
319 GROSS STREET 10.000 279.40 90
9.750 279.40 28,950.00
ELKHART IN 46516 1 08/30/96 04
0410160576 05 10/01/96 25
410160576 N 09/01/11
0
1532027 936/G02 F 42,400.00 ZZ
180 41,314.85 1
1133 MULBERRY STREET 8.500 417.53 80
8.250 417.53 53,000.00
LOUISVILLE KY 40223 1 08/29/96 04
0430064931 05 10/01/96 12
6109698 N 09/01/11
0
1532089 661/661 F 21,700.00 ZZ
180 20,309.35 1
11311 AUDELIA ROAD #148 9.000 220.10 62
8.750 220.10 35,000.00
DALLAS TX 75243 5 08/02/96 00
2571982 01 10/01/96 0
2571982 O 09/01/11
0
1
1532182 737/G02 F 63,000.00 ZZ
180 61,781.68 1
3399 HOGAN DRIVE 8.750 629.65 90
8.500 629.65 70,000.00
KENNESAW GA 30144 1 10/17/96 04
0430060939 05 12/01/96 25
558335 N 11/01/11
0
1532913 A07/G02 F 28,200.00 ZZ
180 27,428.90 1
621 WEST ANIMAS STREET 9.875 300.89 66
9.625 300.89 43,000.00
FARMINGTON NM 87401 5 11/25/96 00
0430078071 05 01/01/97 0
1532913 N 12/01/11
0
1532930 E22/G02 F 33,700.00 ZZ
180 33,103.24 1
880 ABETO ST N E 9.750 357.01 89
9.500 357.01 38,000.00
PALM BAY FL 32905 1 10/10/96 04
0410244768 05 12/01/96 25
410244768 N 11/01/11
0
1532936 E22/G02 F 84,700.00 ZZ
180 83,114.98 1
21030 WOODSPRING AVENUE 9.125 865.39 70
8.875 865.39 121,000.00
BOCA RATON FL 33428 5 10/07/96 00
0410244206 03 12/01/96 0
410244206 O 11/01/11
0
1532969 637/G02 F 67,550.00 ZZ
180 66,419.50 1
1506 CAIRD WAY 8.750 675.13 70
8.500 675.13 96,500.00
PALM HARBOR FL 34683 1 11/15/96 00
0430096495 03 01/01/97 0
3003423 N 12/01/11
0
1533012 971/G02 F 148,400.00 ZZ
180 144,486.85 1
2142 CHAGALL CIRCLE 8.750 1,483.18 77
8.500 1,483.18 193,845.00
1
WEST PALM BEACH FL 33409 1 10/15/96 00
0430055863 03 12/01/96 0
UNKNOWN O 11/01/11
0
1533267 076/076 F 62,000.00 ZZ
180 60,463.83 1
3810 AZURE LANE 8.875 624.24 37
8.625 624.24 172,000.00
ADDISON TX 75244 1 08/14/96 00
6287712 03 10/01/96 0
6287712 O 09/01/11
0
1533277 076/076 F 75,600.00 ZZ
180 73,436.47 3
2038 ROBBINS STREET 8.750 755.58 90
8.500 755.58 84,000.00
PHILADELPHIA PA 19149 1 07/29/96 01
6068822 05 09/01/96 25
6068822 O 08/01/11
0
1533284 076/076 F 45,000.00 ZZ
180 43,944.06 1
1606 GEORGE STREET 9.500 469.91 90
9.250 469.91 50,000.00
GEOEGETOWN TX 78626 1 08/01/96 04
6245362 05 10/01/96 25
6245362 N 09/01/11
0
1533301 076/076 F 166,000.00 ZZ
180 162,396.96 2
90-92 KENWOOD AVENUE 9.000 1,683.69 74
8.750 1,683.69 225,000.00
FAIRFIELD CT 06430 5 09/18/96 00
6296572 05 11/01/96 0
6296572 O 10/01/11
0
1533317 624/G02 F 117,700.00 ZZ
180 115,497.42 4
593 NORTH UNIVERSITY AVENUE 9.125 1,202.56 57
8.875 1,202.56 210,000.00
PROVO UT 84601 5 10/25/96 00
0430070482 05 12/01/96 0
67040460846 N 11/01/11
0
1
1533327 076/076 F 61,650.00 ZZ
180 60,250.44 1
1817 JAYBIRD COURT 9.250 634.50 90
9.000 634.50 68,500.00
SEVERN MD 21144 1 09/13/96 01
6340792 01 11/01/96 25
6340792 N 10/01/11
0
1533379 076/076 F 163,000.00 ZZ
180 158,737.79 1
10 INWOOD POINT 8.250 1,581.33 65
8.000 1,581.33 253,900.00
SAN ANTONIO TX 78248 1 08/20/96 00
6317712 03 10/01/96 0
6317712 O 09/01/11
0
1533405 076/076 F 53,200.00 ZZ
180 39,952.64 2
1917 PINE TREE DRIVE 9.250 547.53 80
9.000 547.53 66,500.00
BRYAN TX 77802 1 08/30/96 12
6300152 05 10/01/96 12
6300152 N 09/01/11
0
1533410 076/076 F 32,600.00 ZZ
180 31,922.74 1
303 COMAN STREET 9.500 340.42 63
9.250 340.42 52,000.00
ATHENS AL 35611 5 09/04/96 00
6300122 05 11/01/96 0
6300122 N 10/01/11
0
1533428 076/076 F 83,500.00 ZZ
180 80,401.58 1
410 CENTER STREET 8.625 828.39 35
8.375 828.39 240,000.00
PEMBROKE MA 02359 5 04/29/96 00
7038344 05 06/01/96 0
7038344 O 05/01/11
0
1533431 076/076 F 75,150.00 ZZ
180 73,386.42 1
1
1793 132ND STREET SE 8.500 740.03 80
8.250 740.03 95,000.00
MENOKEN ND 58558 1 09/11/96 00
6386082 05 11/01/96 0
6386082 O 10/01/11
0
1533434 076/076 F 39,600.00 ZZ
180 38,721.50 1
5120 WEST STOREY AVENUE 8.750 395.79 90
8.500 395.79 44,000.00
MIDLAND TX 79703 1 09/04/96 10
6371382 05 11/01/96 25
6371382 N 10/01/11
0
1533443 076/076 F 54,900.00 ZZ
180 53,746.88 1
824 LEE ANN DRIVE 9.375 569.15 90
9.125 569.15 61,000.00
TALLAHASSEE FL 32304 1 09/13/96 01
6357152 05 11/01/96 25
6357152 N 10/01/11
0
1533447 076/076 F 26,500.00 ZZ
180 25,836.20 1
83 NORTH UNION STREET 8.750 264.86 50
UNIT 4 8.500 264.86 53,000.00
BURLINGTON VT 05401 1 08/23/96 00
6499362 01 10/01/96 0
6499362 N 09/01/11
0
1533451 076/076 F 121,800.00 ZZ
180 117,062.69 1
1074 HIDDEN CREEK WAY 8.625 1,208.36 70
8.375 1,208.36 174,000.00
FOREST VA 24551 1 08/26/96 00
7046861 05 10/01/96 0
7046861 O 09/01/11
0
1533479 076/076 F 86,000.00 ZZ
180 83,845.91 1
10 LAUREL ROAD 8.750 859.53 64
8.500 859.53 135,000.00
LITTLETON MA 01460 2 08/30/96 00
7047955 05 10/01/96 0
1
7047955 O 09/01/11
0
1533481 076/076 F 97,500.00 ZZ
180 95,474.58 3
26-28 MOUNT VERNON STREET 9.500 1,018.12 60
9.250 1,018.12 163,000.00
MALDEN MA 02148 2 09/11/96 00
7049742 05 11/01/96 0
7049742 O 10/01/11
0
1533488 076/076 F 60,000.00 ZZ
180 47,052.64 1
10031 SW 34 STREET 8.875 604.11 43
8.625 604.11 141,500.00
MIAMI FL 33165 5 08/26/96 00
7051596 05 10/01/96 0
7051596 O 09/01/11
0
1533495 076/076 F 73,200.00 ZZ
180 65,646.46 1
3722 N ATLANTIC STREET 8.625 726.21 90
8.375 726.21 81,350.00
SPOKANE WA 98025 1 08/20/96 01
7052706 05 10/01/96 25
7052706 N 09/01/11
0
1533539 623/623 F 89,600.00 ZZ
180 87,467.45 1
14618 BASSETT LANE 8.500 882.33 80
8.250 882.33 112,000.00
SAN ANTONIO TX 78231 1 09/27/96 00
0901382 05 11/01/96 0
0901382 O 10/01/11
0
1533547 623/623 F 56,100.00 T
180 53,722.53 1
9575 WELDON CIRCLE 8.875 564.84 58
#C414 8.625 564.84 96,990.00
TAMARAC FL 33321 1 09/26/96 00
0890525 01 11/01/96 0
0890525 O 10/01/11
0
1
1533552 623/623 F 65,450.00 T
180 50,159.46 1
2650 HAWTHORNE LANE 8.500 644.52 61
8.250 644.52 109,065.00
KISSIMMEE FL 34743 1 09/09/96 00
0889117 03 11/01/96 0
0889117 O 10/01/11
0
1533576 623/623 F 111,000.00 ZZ
180 108,564.34 1
644 BLACK IRONWOOD DRIVE 8.875 1,117.60 75
8.625 1,117.60 148,000.00
DELAND FL 32724 1 09/16/96 00
0900372 05 11/01/96 0
0900372 O 10/01/11
0
1533610 623/623 F 76,700.00 ZZ
180 75,035.28 2
7206-7212 WEST RIVER ROAD 9.000 777.94 65
8.750 777.94 118,000.00
BROOKLYN CENTER MN 55430 5 10/01/96 00
0900112 07 11/01/96 0
0900112 N 10/01/11
0
1533636 623/623 F 136,000.00 ZZ
180 132,917.04 1
219 PERSHING WAY 8.500 1,339.25 80
8.250 1,339.25 170,000.00
WEST PALM BEACH FL 33401 1 09/30/96 00
0900324 05 11/01/96 0
0900324 O 10/01/11
0
1533681 E22/G02 F 99,750.00 ZZ
180 97,434.33 3
218 N PRAIRIE 8.375 974.98 75
8.125 974.98 133,000.00
BATAVIA IL 60510 1 09/30/96 00
0410173892 05 11/01/96 0
410173892 N 10/01/11
0
1533700 623/623 F 135,000.00 ZZ
180 132,005.33 1
522 SOUTH SALEM DRIVE 8.750 1,349.26 80
8.500 1,349.26 169,000.00
1
SCHAUMBURG IL 60193 2 09/06/96 00
0897663 05 11/01/96 0
0897663 O 10/01/11
0
1533857 624/G02 F 30,000.00 ZZ
180 29,509.96 3
137, 137 1/2,137 3/4 FREDRICKS 8.875 302.05 48
STREET 8.625 302.05 63,000.00
BARSTOW CA 92311 5 11/06/96 00
0430082776 05 01/01/97 0
34071861013 N 12/01/11
0
1533873 747/G02 F 53,900.00 T
180 52,146.96 1
28760 BERMUDA BAY WAY #101 8.125 518.99 58
7.875 518.99 93,901.00
BONITA SPRINGS FL 33923 1 06/04/96 00
0430090357 01 08/01/96 0
173279 O 07/01/11
0
1534000 E22/G02 F 63,900.00 ZZ
180 62,623.24 1
425 ROBERT W 8.375 624.58 80
8.125 624.58 79,900.00
HAZEL PARK MI 48030 1 10/15/96 00
0410260079 05 12/01/96 0
410260079 O 11/01/11
0
1534003 E22/G02 F 43,850.00 ZZ
180 43,001.99 1
812 IDAHO 8.750 438.26 65
8.500 438.26 67,500.00
PORTAGE MI 49024 5 10/08/96 00
0410162267 05 12/01/96 0
410162267 N 11/01/11
0
1534334 180/G02 F 40,800.00 ZZ
180 39,390.59 1
1105 ASHLAND AVENUE 8.500 401.77 80
8.250 401.77 51,000.00
MUNCIE IN 47303 1 11/22/96 95
0430095620 05 01/01/97 0
4547634 N 12/01/11
0
1
1534380 896/G02 F 39,500.00 ZZ
180 38,854.79 1
710 GRAVES STREET 8.875 397.70 70
8.625 397.70 56,500.00
KERNERSVILLE NC 27284 5 11/13/96 00
0430077909 05 01/01/97 0
12109 N 12/01/11
0
1534585 664/G02 F 42,000.00 ZZ
180 41,107.48 1
#6 KITTY HAWK 9.000 426.00 75
8.750 426.00 56,000.00
SUN RIVER OR 97707 2 10/01/96 00
0430062810 06 12/01/96 0
2222123 O 11/01/11
0
1534672 828/G02 F 57,750.00 ZZ
180 56,753.64 1
117 FALCON ROAD 8.250 560.26 70
VICTORIA 8.000 560.26 82,500.00
VICTORIA TX 77905 1 11/05/96 00
0430087155 05 01/01/97 0
66180110 O 12/01/11
0
1534678 001/G02 F 58,800.00 ZZ
180 57,850.00 2
46 WEST STREET 9.000 596.39 67
8.750 596.39 88,000.00
CONCORD NH 03301 2 11/15/96 00
0430095109 05 01/01/97 0
1510485 N 12/01/11
0
1534687 971/G02 F 127,650.00 T
180 125,104.49 1
15854 NW 10TH STREET 8.750 1,275.80 70
8.500 1,275.80 182,400.00
PEMBROKE PINES FL 33028 1 10/22/96 00
0430061820 03 12/01/96 0
UNKNOWN O 11/01/11
0
1534719 526/G02 F 35,950.00 ZZ
180 35,211.34 1
1
903 EAST 133RD TERRACE 9.625 378.12 90
9.375 378.12 40,000.00
GRANDVIEW MO 64030 1 10/01/96 12
0430064121 05 11/01/96 25
00142338 N 10/01/11
0
1534739 688/G02 F 16,800.00 ZZ
180 16,475.10 1
434 GRAYSON COURT 8.750 167.91 70
8.500 167.91 24,000.00
POTTSBORO TX 75076 1 10/08/96 00
0430064352 05 12/01/96 0
43277 N 11/01/11
0
1534762 180/G02 F 28,000.00 ZZ
180 27,435.39 1
1225 EAST 1ST STREET 8.625 277.78 70
8.375 277.78 40,000.00
PUEBLO CO 81001 5 10/31/96 00
0430078030 05 12/01/96 0
4584793 N 11/01/11
0
1534764 526/G02 F 94,350.00 ZZ
180 92,411.48 1
2920 WINCHESTER DRIVE 9.625 992.36 75
9.375 992.36 125,800.00
NEWBERG OR 97132 2 09/26/96 00
0430069732 05 11/01/96 0
00146918 N 10/01/11
0
1534910 E22/G02 F 108,000.00 T
180 102,095.27 1
2451 BRICKELL AVENUE UNIT #21M 9.750 1,144.11 80
9.500 1,144.11 135,000.00
MIAMI FL 33129 1 10/22/96 95
0410244461 06 12/01/96 0
410244461 O 11/01/11
0
1534922 201/G02 F 161,000.00 ZZ
180 157,920.31 1
104 CREEKBEND DRIVE 8.875 1,621.02 70
8.625 1,621.02 230,000.00
BROWNSVILLE TX 78521 1 10/04/96 00
0430075507 05 12/01/96 0
1
4200940643 O 11/01/11
0
1534973 E67/G02 F 185,350.00 ZZ
180 180,473.41 1
2130 NW STOVER 8.625 1,838.82 67
8.375 1,838.82 280,000.00
BEND OR 97701 5 10/18/96 00
0430064840 03 12/01/96 0
5712 O 11/01/11
0
1535038 F80/G02 F 44,700.00 T
180 44,100.42 1
802 NW 87 AVENUE #315 9.000 453.38 70
8.750 453.38 63,900.00
MIAMI FL 33172 1 12/06/96 00
0430095349 08 02/01/97 0
VMC96233W O 01/01/12
0
1535047 638/G02 F 63,000.00 ZZ
180 61,846.72 2
4948 SAUL STREET 9.375 653.12 90
9.125 653.12 70,000.00
PHILADELPHIA PA 19214 1 11/01/96 04
0430075184 05 12/01/96 25
8602637 N 11/01/11
0
1535070 757/757 F 53,200.00 ZZ
180 52,215.26 1
120 WESTMINISTER DRIVE 9.250 547.54 70
9.000 547.54 76,000.00
SAVANNAH GA 31419 5 10/14/96 00
2867349 03 12/01/96 0
2867349 N 11/01/11
0
1535072 757/757 F 52,500.00 ZZ
180 51,528.27 1
103 WINDING WAY 9.250 540.33 70
9.000 540.33 75,000.00
SAVANNAH GA 31419 5 10/14/96 00
2867323 05 12/01/96 0
2867323 N 11/01/11
0
1
1535075 757/757 F 44,100.00 ZZ
180 43,283.72 1
128 HOLIDAY DRIVE 9.250 453.88 70
9.000 453.88 63,000.00
SAVANNAH GA 31419 5 10/14/96 00
2867356 05 12/01/96 0
2867356 N 11/01/11
0
1535076 757/757 F 46,900.00 ZZ
180 46,031.89 1
101 GREENBRIAR DRIVE 9.250 482.70 70
9.000 482.70 67,000.00
SAVANNAH GA 31419 5 10/14/96 00
2867331 05 12/01/96 0
2867331 N 11/01/11
0
1535137 E22/G02 F 96,300.00 ZZ
180 94,407.31 4
2005 LONGMIRE COURT #19 10.125 1,042.22 90
9.875 1,042.22 107,000.00
COLLEGE STATION TX 77840 1 09/12/96 04
0410270094 05 11/01/96 25
410270094 N 10/01/11
0
1535146 E22/G02 F 50,000.00 ZZ
180 48,845.10 1
1747 PIMMIT DRIVE 9.250 514.60 36
9.000 514.60 140,000.00
FALLS CHURCH VA 22043 1 10/22/96 00
0410247340 05 12/01/96 0
410247340 N 11/01/11
0
1535227 F96/G02 F 60,800.00 ZZ
180 59,704.65 1
160 OVERLOOK AVENUE UNIT 3F 7.750 572.30 80
7.500 572.30 76,000.00
HACKENSACK CITY NJ 07601 1 11/21/96 00
0430083758 06 01/01/97 0
1119 O 12/01/11
0
1535365 526/G02 F 33,300.00 ZZ
180 32,668.01 1
17035 CARBRIDGE DRIVE 9.250 342.73 90
9.000 342.73 37,000.00
1
HOUSTON TX 77084 1 10/02/96 10
0430065813 05 12/01/96 25
00141383 N 11/01/11
0
1535411 E22/G02 F 36,000.00 ZZ
180 35,369.58 1
6731 LOZIER 9.875 384.11 90
9.625 384.11 40,000.00
WARREN MI 48089 1 10/16/96 04
0410261630 05 12/01/96 25
410261630 N 11/01/11
0
1535423 313/G02 F 61,000.00 ZZ
180 59,820.30 1
3332 HUNTERS LODGE ROAD 8.750 609.67 54
8.500 609.67 114,000.00
MARIETTA GA 30062 5 11/05/96 00
0430072330 05 12/01/96 0
5894688 N 11/01/11
0
1535556 526/G02 F 121,500.00 ZZ
180 118,891.50 1
1741 GLENMORE AVENUE 9.125 1,241.39 90
8.875 1,241.39 135,000.00
BATON ROUGE LA 70808 1 09/26/96 04
0430067413 05 11/01/96 25
00146164 N 10/01/11
0
1535559 405/405 F 50,000.00 ZZ
180 49,084.71 1
3233 TRUXILLO DRIVE 9.375 518.35 68
9.125 518.35 74,408.00
DALLAS TX 75228 1 10/08/96 00
004029468 05 12/01/96 0
004029468 O 11/01/11
0
1535587 267/267 F 50,000.00 ZZ
180 48,979.09 1
7014 QUARTZ AVE 8.125 481.45 34
7.875 481.45 150,000.00
CANOGA PARK CA 91306 5 10/08/96 00
4421509 05 12/01/96 0
4421509 O 11/01/11
0
1
1535638 405/405 F 85,500.00 T
180 82,085.72 1
3141 HIAWATHA RD NE 7.750 804.80 66
7.500 804.80 131,500.00
MOSES LAKE WA 98837 5 04/15/96 00
3900412 05 06/01/96 0
3900412 O 05/01/11
0
1535639 405/405 F 167,250.00 ZZ
180 160,640.45 1
18432 SANDPIPER CIRCLE 7.875 1,586.29 78
7.625 1,586.29 215,000.00
LAKE OSWEGO OR 97035 5 04/11/96 00
3904703 03 06/01/96 0
3904703 O 05/01/11
0
1535641 405/405 F 45,500.00 ZZ
180 43,897.00 1
1043 STRAIGHT CREEK DRIVE, 8.250 441.42 65
O-305 8.000 441.42 70,000.00
DILLON CO 80435 5 05/31/96 00
3947215 01 07/01/96 0
3947215 N 06/01/11
0
1535643 405/405 F 53,000.00 ZZ
180 51,643.49 1
543 JOAQUIN ROAD UNIT 5, 8.500 521.92 68
DOOR 201 8.250 521.92 79,000.00
MAMMOTH LAKES CA 93546 2 08/16/96 00
3957693 01 10/01/96 0
3957693 N 09/01/11
0
1535644 405/405 F 142,500.00 ZZ
180 139,127.61 2
2532-2532 1/2 SIERRA WAY 8.000 1,361.81 75
7.750 1,361.81 190,000.00
LA VERNE CA 91750 2 09/04/96 10
3999364 05 11/01/96 6
3999364 N 10/01/11
0
1535645 405/405 F 36,750.00 ZZ
180 34,754.61 1
1
1100 EAST 4TH STREET #G 8.000 351.21 75
7.750 351.21 49,000.00
LONG BEACH CA 90802 1 09/04/96 00
4001632 01 11/01/96 0
4001632 O 10/01/11
0
1535724 635/225 F 80,000.00 ZZ
180 78,678.76 1
26006 EAST 107TH STREET 8.750 799.56 48
8.500 799.56 170,000.00
BROKEN ARROW OK 74014 2 11/20/96 00
665573200 05 01/01/97 0
665573200 O 12/01/11
0
1535725 253/253 F 42,750.00 T
180 42,066.86 1
800 ACCESS ROAD 1A #311 9.125 436.79 75
8.875 436.79 57,000.00
PORT ARANSAS TX 78373 1 11/22/96 00
323296 01 01/01/97 0
323296 O 12/01/11
0
1535754 E22/G02 F 27,300.00 ZZ
180 26,745.23 2
3640 W 47TH PLACE 9.750 289.21 70
9.500 289.21 39,000.00
CLEVELAND OH 44102 5 09/30/96 00
0410215537 05 11/01/96 0
410215537 N 10/01/11
0
1535755 E22/G02 F 29,400.00 ZZ
180 28,802.63 2
4208 POE AVENUE 9.750 311.45 70
9.500 311.45 42,000.00
CLEVELAND OH 44109 5 09/30/96 00
0410215503 05 11/01/96 0
410215503 N 10/01/11
0
1535765 758/G02 F 90,000.00 ZZ
180 88,608.93 4
404 MANUEL DRIVE 9.500 939.80 90
9.250 939.80 100,000.00
COLLEGE STATION TX 77840 1 11/13/96 04
0430080994 05 01/01/97 25
1
21434 N 12/01/11
0
1535771 828/G02 F 120,000.00 ZZ
180 118,223.63 1
846 CANYON OAKS 7.875 1,138.14 74
7.625 1,138.14 164,000.00
CRAWFORD TX 76638 4 12/04/96 00
0430095752 05 02/01/97 0
65250060 O 01/01/12
0
1535837 E22/G02 F 219,100.00 T
180 214,999.85 1
28 OUTLOOK CIRCLE 9.125 2,238.58 70
8.875 2,238.58 313,000.00
PACIFICA CA 94044 1 10/16/96 00
0410229140 01 12/01/96 0
410229140 O 11/01/11
0
1535870 369/G02 F 60,000.00 ZZ
180 58,852.26 1
912 NE 194TH STREET 8.875 604.11 80
8.625 604.11 75,000.00
RIDGEFIELD WA 98642 1 10/09/96 01
0430065680 05 12/01/96 12
49403207 N 11/01/11
0
1535900 526/G02 F 19,200.00 ZZ
180 18,708.26 1
1111 CATALINA 10.000 206.33 80
9.750 206.33 24,000.00
WICHITA KS 67216 1 08/01/96 12
0430103077 05 09/01/96 12
0139412 N 08/01/11
0
1535999 635/225 F 125,000.00 ZZ
180 123,002.58 1
5909 WHITMAN ROAD 9.125 1,277.15 75
8.875 1,277.15 168,000.00
COLUMBUS OH 43213 2 11/08/96 00
6646640 05 01/01/97 0
6646640 O 12/01/11
0
1
1536017 757/757 F 60,000.00 ZZ
180 58,796.70 1
1005 TANRAC TRAIL 8.625 595.25 80
8.375 595.25 75,000.00
GATLINBURG TN 37738 2 11/20/96 00
19396 05 01/01/97 0
19396 O 12/01/11
0
1536031 405/405 F 201,000.00 ZZ
180 196,517.14 2
312-314 FOURTH STREET 8.625 1,994.09 49
8.375 1,994.09 415,000.00
PETALUMA CA 94952 5 10/01/96 00
4004396 05 12/01/96 0
4004396 N 11/01/11
0
1536123 267/267 F 259,000.00 ZZ
180 253,361.01 1
2152 13TH STREET 7.375 2,382.61 59
7.125 2,382.61 439,000.00
ENCINITAS CA 92024 1 10/21/96 00
4422170 05 12/01/96 0
4422170 O 11/01/11
0
1536226 253/253 F 68,000.00 ZZ
180 66,876.90 1
23 BIRD ST 8.750 679.63 80
8.500 679.63 85,000.00
FOXBORO MA 02035 1 11/26/96 00
323660 05 01/01/97 0
323660 O 12/01/11
0
1536253 076/076 F 83,700.00 ZZ
180 82,009.43 1
9184 NW 147 TERRACE 8.250 812.01 60
8.000 812.01 139,500.00
MIAMI FL 33016 1 10/09/96 00
7055687 05 12/01/96 0
7055687 O 11/01/11
0
1536303 E22/G02 F 31,500.00 ZZ
180 30,856.01 2
1826 HIGHLY 10.125 340.92 90
9.875 340.92 35,000.00
1
SAINT JOSEPH MO 64501 1 09/30/96 04
0410259519 05 11/01/96 25
410259519 N 10/01/11
0
1536321 076/076 F 53,200.00 ZZ
180 51,713.96 1
121 ROXANNA 8.750 531.71 80
8.500 531.71 66,500.00
WEST MONROE LA 71291 1 08/09/96 01
6251122 05 09/01/96 12
6251122 N 08/01/11
0
1536353 076/076 F 207,000.00 ZZ
180 202,864.06 1
OFF STATE RD 8.375 2,023.28 38
8.125 2,023.28 555,000.00
GAY HEAD MA 02535 5 10/11/96 00
7050471 05 12/01/96 0
7050471 O 11/01/11
0
1536414 E22/G02 F 64,000.00 ZZ
180 62,747.03 1
432 SOUTH HANCOCK 8.625 634.93 80
8.375 634.93 80,000.00
GARY IN 46403 5 10/10/96 00
0410173868 05 12/01/96 0
410173868 O 11/01/11
0
1536582 B75/G02 F 108,000.00 ZZ
180 105,934.14 1
5831 LOST VALLEY ST 8.875 1,087.39 75
8.625 1,087.39 144,000.00
LAS VEGAS NV 89113 1 10/16/96 00
0430073825 05 12/01/96 0
2482651 O 11/01/11
0
1536610 377/377 F 39,500.00 ZZ
180 38,760.79 1
2431 LAMBERT DRIVE 9.125 403.58 70
8.875 403.58 56,500.00
MACON GA 31205 5 10/28/96 00
6160196 05 12/01/96 0
6160196 N 11/01/11
0
1
1536649 E22/G02 F 45,000.00 ZZ
180 44,110.62 1
10842 SOUTH AVE B 8.500 443.13 53
8.250 443.13 85,000.00
CHICAGO IL 60617 1 10/25/96 00
0410174072 05 12/01/96 0
410174072 O 11/01/11
0
1536770 A06/G02 F 136,000.00 ZZ
180 133,161.68 1
309 ANTOINETTE 8.750 1,359.26 72
8.500 1,359.26 190,000.00
ROCHESTER HILLS MI 48309 2 10/24/96 00
0430068361 05 12/01/96 0
1000009606651 O 11/01/11
0
1536774 811/G02 F 126,850.00 T
180 125,228.67 1
797 TANGLEWOOD CIRCLE 8.875 1,277.18 75
8.625 1,277.18 169,145.00
FT LAUDERDALE FL 33327 1 01/31/97 00
0430148692 05 03/01/97 0
FM00103297 O 02/01/12
0
1536814 E22/G02 F 157,000.00 ZZ
180 153,996.80 1
3103 FAIRHAVEN CT 8.875 1,580.75 71
8.625 1,580.75 224,200.00
ANN ARBOR MI 48105 1 10/30/96 00
0410164222 05 12/01/96 0
410164222 O 11/01/11
0
1536852 E22/G02 F 86,400.00 ZZ
180 84,853.00 1
182 NORTHWEST LOOP ROAD 9.625 908.74 90
9.375 908.74 96,000.00
STEVENSON WA 98648 1 10/14/96 04
0410259683 05 12/01/96 25
410259683 N 11/01/11
0
1536876 828/G02 F 62,650.00 ZZ
180 61,342.04 1
1
1310 BRAZOS BOULEVARD 8.000 598.72 76
7.750 598.72 82,500.00
LEWISVILLE TX 75067 5 11/15/96 00
0430093575 05 01/01/97 0
65510002 O 12/01/11
0
1536980 A26/G02 F 150,000.00 ZZ
180 148,323.86 1
28 AYNSLEY COURT 8.500 1,477.11 51
UNIT 225D 8.250 1,477.11 295,000.00
MONTVILLE NJ 07045 1 01/01/97 00
0430125179 01 03/01/97 0
UNKNOWN O 02/01/12
0
1537013 F03/G02 F 110,250.00 ZZ
180 108,111.29 1
1911 BOREAS PASS ROAD 8.875 1,110.05 90
#10 8.625 1,110.05 122,500.00
BRECKENRIDGE CO 80424 1 11/20/96 01
0430110288 01 01/01/97 25
UNKNOWN N 12/01/11
0
1537015 F03/G02 F 61,650.00 ZZ
180 60,015.29 1
4102 HIGHWAY 9 8.875 620.72 90
#44 8.625 620.72 68,500.00
BRECKENRIDGE CO 80424 1 11/20/96 04
0430096487 01 01/01/97 25
DEN10263 N 12/01/11
0
1537050 909/G02 F 102,000.00 ZZ
180 98,826.41 1
2081 GROVE AVENUE 8.875 1,026.98 60
8.625 1,026.98 170,000.00
SAN DIEGO CA 92154 5 10/28/96 00
0430072470 05 12/01/96 0
6003421 N 11/01/11
0
1537053 E26/G02 F 23,300.00 ZZ
180 22,822.30 2
600 NORTH STREEPER STREET 9.625 245.07 90
9.375 245.07 25,900.00
BALTIMORE MD 21222 1 10/24/96 12
0430074815 07 12/01/96 25
1
435869 N 11/01/11
0
1537231 076/076 F 62,900.00 ZZ
180 61,696.85 2
310 BREEZEWAY DRIVE 8.875 633.30 85
8.625 633.30 74,000.00
CORPUS CHRISTI TX 78402 1 10/21/96 10
6448812 05 12/01/96 12
6448812 N 11/01/11
0
1537236 076/076 F 46,500.00 ZZ
180 45,562.48 1
42 SECOND STREET 9.750 492.60 50
UNIT 30 9.250 492.60 93,000.00
NORTH ATTLEBORO MA 02760 1 10/09/96 00
6425212 01 12/01/96 0
6425212 O 11/01/11
0
1537297 E22/G02 F 21,000.00 ZZ
180 20,566.59 1
1502 22ND STREET 8.000 200.69 70
7.750 200.69 30,000.00
WICHITA FALLS TX 76301 5 10/24/96 00
0410195648 05 12/01/96 0
410195648 N 11/01/11
0
1537331 731/G02 F 75,000.00 ZZ
180 73,517.68 1
1845 ENTERPRISE LANE 8.500 738.55 75
8.250 738.55 100,000.00
WEST POINT CA 95255 5 10/01/96 00
0430094235 05 12/01/96 0
110541010 O 11/01/11
0
1537385 E22/G02 F 53,900.00 ZZ
180 52,755.06 1
5105 WOODROW AVENUE 9.625 566.91 90
9.375 566.91 59,900.00
AUSTIN TX 78756 1 09/30/96 04
0410261960 05 11/01/96 25
410261960 N 10/01/11
0
1
1537389 E22/G02 F 75,000.00 ZZ
180 10,510.26 1
3208 YELLOWPINE TERRACE 8.875 755.13 63
8.625 755.13 120,000.00
AUSTIN TX 78759 5 10/11/96 00
0410271829 05 12/01/96 0
410271829 N 11/01/11
0
1537393 E22/G02 F 44,100.00 ZZ
180 43,163.56 1
7912 CONN DRIVE 9.250 453.88 70
9.000 453.88 63,000.00
NORTH RICHLAND TX 76180 5 09/26/96 00
0410108997 05 11/01/96 0
410267447 N 10/01/11
0
1537401 E22/G02 F 94,650.00 T
180 92,819.58 1
3615 FAIRFIELD DRIVE 8.750 945.98 70
8.500 945.98 135,240.00
CLERMONT FL 34711 1 10/31/96 00
0410239156 03 12/01/96 0
410239156 O 11/01/11
0
1537402 E22/G02 F 30,000.00 T
180 29,407.08 1
909 WEST OAK RIDGE ROAD 8.500 295.42 66
UNIT #951A 8.250 295.42 46,000.00
ORLANDO FL 32809 1 10/25/96 00
0410242366 01 12/01/96 0
410242366 O 11/01/11
0
1537418 638/G02 F 55,800.00 ZZ
180 54,918.16 2
1202 1204 NORTHCLIFF AVENUE 9.250 574.29 90
9.000 574.29 62,000.00
NORMAN OK 73071 1 11/14/96 27
0430088773 05 01/01/97 25
8607752 N 12/01/11
0
1537642 E22/G02 F 155,550.00 ZZ
180 152,246.88 1
34803 PICKFORD DRIVE 9.250 1,600.91 80
9.000 1,600.91 194,480.00
1
FARMINGTON HILL MI 48335 1 09/26/96 00
0410162044 03 11/01/96 0
410162044 O 10/01/11
0
1537657 562/562 F 78,750.00 ZZ
180 77,193.49 1
8 NORWOOD LANE 8.500 775.49 75
8.250 775.49 105,000.00
LAKE RONKONKOMA NY 11779 1 10/30/96 00
520957 05 12/01/96 0
520957 O 11/01/11
0
1537700 377/377 F 47,950.00 ZZ
180 47,072.21 1
5103 PINEFIELD DRIVE 9.375 497.10 70
9.125 497.10 68,500.00
MACON GA 31206 5 11/04/96 00
6160899 05 12/01/96 0
6160899 N 11/01/11
0
1537704 405/405 F 27,000.00 ZZ
180 26,501.03 1
106 WEST 7TH STREET 9.375 279.91 90
9.125 279.91 30,000.00
HEREFORD TX 79045 1 10/24/96 01
004026043 05 12/01/96 25
004026043 N 11/01/11
0
1537750 E22/G02 F 48,600.00 ZZ
180 47,748.94 2
3804 & 3806 AVE P 9.875 518.55 90
9.625 518.55 54,000.00
GALVESTON TX 77550 1 10/07/96 10
0410262851 05 12/01/96 25
410262851 N 11/01/11
0
1537870 737/G02 F 80,000.00 ZZ
180 79,585.04 1
212 W INTERLACKEN DRIVE 9.250 823.35 51
9.000 823.35 157,000.00
PHOENIX AZ 85023 5 03/12/97 00
0430187922 05 05/01/97 0
511697 O 04/01/12
0
1
1537930 965/G02 F 100,000.00 ZZ
180 98,255.93 1
121 HOMESTEAD LANE 8.125 962.88 56
7.875 962.88 180,000.00
PAYSON AZ 85541 5 11/25/96 00
0430110049 05 01/01/97 0
1537930 O 12/01/11
0
1537976 E22/G02 F 45,600.00 ZZ
180 44,727.75 2
8871-8873 MEADOW TRACE 8.875 459.12 80
8.625 459.12 57,000.00
SAN ANTONIO TX 78250 1 10/24/96 01
0410261028 05 12/01/96 12
410261028 N 11/01/11
0
1537980 E22/G02 F 96,000.00 ZZ
180 94,203.48 4
4408 LAPLACE STREET 9.125 980.85 53
8.875 980.85 184,000.00
METAIRIE LA 70006 5 10/31/96 00
0410270615 05 12/01/96 0
410270615 N 11/01/11
0
1537982 E22/G02 F 29,700.00 ZZ
180 29,138.05 1
1500 BAY AREA BLVD., #214 9.000 301.24 90
8.750 301.24 33,000.00
HOUSTON TX 77058 1 10/23/96 10
0410260822 01 12/01/96 25
410260822 N 11/01/11
0
1538161 E22/G02 F 70,700.00 ZZ
180 69,405.80 4
401 ARNO STREET SE 9.375 732.94 70
9.125 732.94 101,000.00
ALBUQUERQUE NM 87102 5 10/30/96 00
0410271142 05 12/01/96 0
410271142 N 11/01/11
0
1538214 E22/G02 F 33,750.00 ZZ
120 32,374.30 1
1
1200 WEST BETHEL AVENUE 9.750 441.35 75
9.500 441.35 45,000.00
MUNCIE IN 47304 1 09/24/96 00
0410214613 05 11/01/96 0
410214613 N 10/01/06
0
1538240 405/405 F 36,750.00 ZZ
180 36,257.04 1
148 LAKE CLUB DRIVE #15 9.000 372.75 75
8.750 372.75 49,000.00
BRANSON MO 65616 1 12/11/96 00
4063624 01 02/01/97 0
4063624 N 01/01/12
0
1538244 526/G02 F 72,000.00 ZZ
180 70,681.91 1
1417 DEERHAVEN LANE 9.375 746.43 90
9.125 746.43 80,000.00
TALLAHASSEE FL 32303 1 10/18/96 04
0430072488 05 12/01/96 25
151502 N 11/01/11
0
1538330 354/354 F 126,000.00 ZZ
180 119,950.72 1
20 VILLAGE DRIVE 8.500 1,240.78 75
8.250 1,240.78 168,000.00
ORMOND BEACH FL 32174 1 06/10/96 00
24530172 03 08/01/96 0
24530172 O 07/01/11
0
1538331 354/354 F 38,000.00 ZZ
180 36,938.45 1
2055 WASHINGTON STREET 8.750 379.80 70
8.500 379.80 55,000.00
WILMINGTON NC 28401 1 07/25/96 00
24553729 05 09/01/96 0
24553729 O 08/01/11
0
1538333 354/354 F 39,950.00 ZZ
180 35,601.63 1
146 CHEROKEE DRIVE 8.250 387.58 70
8.000 387.58 57,500.00
GREENWOOD SC 29646 2 07/10/96 00
24578205 05 09/01/96 0
1
24578205 O 08/01/11
0
1538334 354/354 F 57,000.00 ZZ
180 54,633.35 1
9341 NORTHWEST 25TH STREET 8.750 569.69 75
8.500 569.69 77,000.00
SUNRISE FL 33322 1 06/28/96 00
24588717 05 08/01/96 0
24588717 O 07/01/11
0
1538335 354/354 F 25,000.00 ZZ
180 24,346.24 1
8140 SOUTHWEST 24TH STREET 104 8.250 242.54 64
8.000 242.54 39,200.00
NORTH LAUDERDAL FL 33068 1 08/06/96 00
24600637 01 10/01/96 0
24600637 O 09/01/11
0
1538336 354/354 F 45,750.00 ZZ
180 44,228.03 1
6065 NORTHWEST 3RD STREET 8.625 453.88 75
8.375 453.88 61,000.00
MARGATE FL 33063 1 07/23/96 00
24603417 09 09/01/96 0
24603417 O 08/01/11
0
1538339 354/354 F 116,600.00 ZZ
180 113,647.76 1
706 NORTHEAST 2ND STREET, #3 8.625 1,156.77 70
8.375 1,156.77 166,600.00
FORT LAUDERDALE FL 33301 1 08/28/96 00
24652521 01 10/01/96 0
24652521 O 09/01/11
0
1538340 354/354 F 37,400.00 ZZ
180 36,542.98 1
6033 34TH STREET WEST, UNIT 29 8.375 365.56 75
8.125 365.56 49,900.00
BRADENTON FL 34210 1 09/20/96 00
24705857 01 11/01/96 0
24705857 O 10/01/11
0
1
1538342 354/354 F 37,500.00 ZZ
180 36,289.83 1
22749 CTY RD 448 8.500 369.28 52
SKY RANCH ROAD 8.250 369.28 72,500.00
LINDALE TX 75771 1 09/01/96 00
24719742 05 11/01/96 0
24719742 O 10/01/11
0
1538343 354/354 F 59,900.00 ZZ
180 58,542.15 1
4060-A HUNTINGREEN LANE 8.500 589.86 75
8.250 589.86 79,900.00
WINSTON-SALEM NC 27106 1 10/04/96 00
24723744 07 11/01/96 0
24723744 O 10/01/11
0
1538346 354/354 F 30,350.00 ZZ
180 29,375.58 1
206 SOUTH DRIVER STREET 8.000 290.05 75
7.750 290.05 40,500.00
DURHAM NC 27703 1 10/31/96 00
24738411 05 12/01/96 0
24738411 O 11/01/11
0
1538347 354/354 F 115,500.00 ZZ
180 112,881.21 1
1106 RUSSELL DRIVE 8.625 1,145.86 77
8.375 1,145.86 150,000.00
HIGHLAND BEACH FL 33487 1 09/27/96 00
24746927 07 11/01/96 0
24746927 O 10/01/11
0
1538348 354/354 F 80,000.00 ZZ
180 78,095.48 1
209 TRINITY ROAD 8.125 770.31 45
7.875 770.31 181,500.00
FRANKLIN TN 37064 1 09/26/96 00
24750887 05 11/01/96 0
24750887 O 10/01/11
0
1538349 354/354 F 121,875.00 ZZ
180 119,413.41 1
1267 ANNA COVES BLVD 8.250 1,182.36 75
8.000 1,182.36 162,500.00
1
MINERAL VA 23117 1 10/02/96 00
24763773 03 12/01/96 0
24763773 O 11/01/11
0
1538350 354/354 F 59,000.00 ZZ
180 57,782.31 1
900 EAST COUNTY ROAD 120 8.000 563.84 43
7.750 563.84 140,000.00
MIDLAND TX 79706 1 10/30/96 00
24798126 05 12/01/96 0
24798126 O 11/01/11
0
1538472 E22/G02 F 33,000.00 ZZ
180 32,257.26 1
167 ELK TRAIL UNIT # 265 9.250 339.63 58
9.000 339.63 57,500.00
CAROL STREAM IL 60188 2 10/28/96 00
0410173405 01 12/01/96 0
410173405 O 11/01/11
0
1538482 E22/G02 F 28,600.00 ZZ
180 28,127.67 1
1933 SW 7 STREET 8.750 285.84 65
UNIT 201 8.500 285.84 44,000.00
MIAMI FL 33135 1 11/08/96 00
0410248959 01 01/01/97 0
410248959 N 12/01/11
0
1538534 A35/A35 F 139,750.00 ZZ
180 137,390.92 1
46-16 162ND STREET 8.500 1,376.17 65
8.250 1,376.17 215,000.00
FLUSHING NY 11358 1 11/22/96 00
4000156 05 01/01/97 0
UNKNOWN N 12/01/11
0
1538672 377/377 F 93,500.00 ZZ
180 91,711.47 1
859 EAGLE CLIFF DRIVE 8.875 941.40 85
8.625 941.40 110,000.00
FLINTSTONE GA 30725 5 11/04/96 23
6160261 05 12/01/96 0
6160261 O 11/01/11
0
1
1538831 927/G02 F 195,000.00 ZZ
180 191,187.59 1
465 FT. COLLINS DRIVE 8.625 1,934.56 74
8.375 1,934.56 266,124.00
RENO NV 89511 1 10/16/96 00
0430089490 05 12/01/96 0
213751 O 11/01/11
0
1538882 E22/G02 F 98,000.00 ZZ
180 95,352.86 1
1033 DISRAELI CIRCLE 8.250 950.74 80
8.000 950.74 122,550.00
PFLUGERVILE TX 78660 1 10/08/96 00
0410136469 05 12/01/96 0
410136469 O 11/01/11
0
1538937 E46/G02 F 139,500.00 ZZ
180 137,221.25 1
15 WASHINGTON AVENUE 8.875 1,404.55 62
8.625 1,404.55 227,000.00
MORRIS PLAINS NJ 07950 2 11/27/96 00
0430100834 05 01/01/97 0
23722 O 12/01/11
0
1538990 E19/G02 F 95,000.00 ZZ
180 93,261.54 1
588 CANYON POINT ROAD 7.875 901.03 67
7.625 901.03 142,500.00
LAS CRUCES NM 88011 1 11/08/96 00
0430090589 05 01/01/97 0
100013934 O 12/01/11
0
1539035 E22/G02 F 31,300.00 ZZ
180 30,739.55 1
292 WEST MARSHALL 9.625 329.21 53
9.375 329.21 59,900.00
FERNDALE MI 48220 2 10/11/96 00
0410161020 05 12/01/96 0
410161020 N 11/01/11
0
1539038 F30/G02 F 140,000.00 ZZ
180 137,523.58 1
1
77 BYERS DRIVE 8.375 1,368.40 80
8.125 1,368.40 175,000.00
TABERNACH CO 80478 1 11/08/96 00
0430113373 05 01/01/97 0
300289 O 12/01/11
0
1539059 E22/G02 F 90,000.00 ZZ
180 86,827.37 2
467 NORTH 680 WEST 10.000 967.14 70
9.750 967.14 130,000.00
OREM UT 84057 5 10/24/96 00
0410237010 05 12/01/96 0
410237010 N 11/01/11
0
1539146 737/G02 F 34,500.00 ZZ
180 34,047.42 1
1319 WOODSIDE DRIVE 9.250 355.07 69
9.000 355.07 50,000.00
GREENSBORO NC 27405 5 12/16/96 00
0430104380 05 02/01/97 0
558194 N 01/01/12
0
1539163 737/G02 F 58,100.00 ZZ
180 57,329.27 1
6111 IDLEBROOK DRIVE 9.125 593.62 70
8.875 593.62 83,000.00
CHARLOTTE NC 28212 5 12/04/96 00
0430101030 05 02/01/97 0
558193 N 01/01/12
0
1539216 635/225 F 66,000.00 ZZ
180 64,695.54 1
1039 WERNIMONT CIRCLE 8.500 649.93 80
8.250 649.93 83,000.00
COLORADO SPRING CO 80916 2 10/25/96 04
6652051 05 12/01/96 12
6652051 N 11/01/11
0
1539404 G15/628 F 93,000.00 ZZ
180 91,695.09 1
80 GRANT STREET 8.500 915.81 69
8.250 915.81 135,000.00
MILFORD CT 06460 2 12/11/96 00
131000728 05 02/01/97 0
1
131000728 N 01/01/12
0
1539458 E22/G02 F 111,200.00 ZZ
180 109,403.45 1
10062 LEXINGTON CIRCLE NORTH 9.000 1,127.86 80
8.750 1,127.86 139,000.00
BOYNTON BEACH FL 33436 5 11/07/96 00
0410245088 05 01/01/97 0
410245088 O 12/01/11
0
1539460 731/G02 F 45,500.00 ZZ
180 44,796.75 1
2123 GREEN FORREST DRIVE 9.500 475.12 70
9.250 475.12 65,000.00
DECATUR GA 30032 5 11/13/96 00
0430081968 05 01/01/97 0
3140662993 N 12/01/11
0
1539472 E22/G02 F 49,950.00 T
180 49,019.40 1
2100 TANGLEWILDE UNIT 51 9.500 521.59 90
9.250 521.59 55,500.00
HOUSTON TX 77063 1 10/31/96 12
0410263313 01 12/01/96 25
410263313 O 11/01/11
0
1539693 E22/G02 F 120,000.00 ZZ
180 117,628.23 1
37391 OAK STREET 8.500 1,181.69 80
8.250 1,181.69 150,000.00
NEWARK CA 94560 1 10/25/96 00
0410232359 05 12/01/96 0
410232359 O 11/01/11
0
1539695 E22/G02 F 113,000.00 ZZ
180 110,766.58 1
37038 MAPLE STREET 8.500 1,112.76 76
8.250 1,112.76 150,000.00
NEWARK CA 94560 1 10/25/96 00
0410232342 05 12/01/96 0
410232342 O 11/01/11
0
1
1539735 731/G02 F 100,000.00 ZZ
180 98,179.01 1
3869 BUTTERFIELD DRIVE 7.625 934.13 77
7.375 934.13 130,000.00
KENNESAW GA 30144 5 11/08/96 10
0430082313 05 01/01/97 17
3140662955 O 12/01/11
0
1539780 G80/225 F 81,500.00 ZZ
180 78,257.04 1
487 ANITA PLACE 8.625 808.55 39
8.375 808.55 210,000.00
WHEELING IL 60090 5 12/19/96 00
0000000 05 02/01/97 0
802995100 O 01/01/12
0
1539849 F03/G02 F 41,050.00 ZZ
180 40,340.29 1
4949 HAMILTON WOLFE 8.250 398.24 95
#2104 8.000 398.24 43,250.00
SAN ANTONIO TX 78229 1 11/25/96 04
0430111922 01 01/01/97 30
UNKNOWN O 12/01/11
0
1539866 A06/G02 F 53,300.00 ZZ
180 52,358.05 1
23690 RATCLIFT 9.125 544.58 68
8.875 544.58 79,000.00
OAK PARK MI 48237 2 11/14/96 00
0430093351 05 01/01/97 0
1000009607465 N 12/01/11
0
1539933 B75/G02 F 62,500.00 ZZ
180 61,456.41 1
3549 CHRISTINE DRIVE 8.625 620.05 55
8.375 620.05 115,000.00
PRESCOTT VALLEY AZ 86314 2 11/04/96 00
0430081299 05 01/01/97 0
2719250 O 12/01/11
0
1539967 808/G02 F 260,000.00 T
180 255,193.39 1
199 GOLF TERRACE 7.875 2,465.97 75
7.625 2,465.97 350,000.00
1
BIG FORK MT 59911 2 11/26/96 00
0430101600 05 01/01/97 0
9800068 O 12/01/11
0
1539983 286/286 F 51,300.00 T
180 50,371.02 1
658 THAYER ST 9.500 535.69 88
9.250 535.69 58,500.00
AKRON OH 44310 1 10/15/96 10
8569047 05 12/01/96 25
8569047 O 11/01/11
0
1539986 E22/G02 F 46,550.00 ZZ
180 44,950.70 1
28657 DONNELLY AVE 8.625 461.82 70
8.375 461.82 66,500.00
GARDEN CITY MI 48135 1 10/16/96 00
0410163562 05 12/01/96 0
410163562 N 11/01/11
0
1540066 E22/G02 F 104,000.00 ZZ
180 102,075.11 1
347 LITCHFIELD AVENUE 9.250 1,070.36 65
9.000 1,070.36 160,000.00
BABYLON NY 11702 5 10/23/96 00
0410246052 05 12/01/96 0
410246052 N 11/01/11
0
1540408 001/G02 F 77,000.00 ZZ
180 75,944.10 1
264 CLUBHOUSE DRIVE 8.750 769.58 65
8.500 769.58 120,000.00
MIDDLETOWN NJ 07748 1 12/19/96 00
0430120576 09 02/01/97 0
1511883 N 01/01/12
0
1540480 776/G02 F 93,500.00 ZZ
180 91,955.21 1
735 WILLOW AVENUE 8.750 934.49 84
8.500 934.49 112,000.00
HENDERSON NV 89015 5 11/06/96 01
0430088567 05 01/01/97 12
6337850 O 12/01/11
0
1
1540482 776/G02 F 380,000.00 ZZ
180 373,724.16 1
3176 LINDO STREET 8.750 3,797.90 80
8.500 3,797.90 475,000.00
LOS ANGELES CA 90068 1 11/11/96 00
0430083436 05 01/01/97 0
2135382 O 12/01/11
0
1540674 526/G02 F 32,000.00 ZZ
180 31,561.16 1
1819 BABCOCK ROAD, UNIT #601-F 8.750 319.83 80
8.500 319.83 40,000.00
SAN ANTONIO TX 78229 1 12/10/96 00
0430105114 01 02/01/97 0
159133 O 01/01/12
0
1540706 E22/G02 F 35,000.00 ZZ
180 33,914.60 1
972 SANDLEWOOD DRIVE 8.750 349.81 42
8.500 349.81 85,000.00
PORT ORANGE FL 32127 1 11/18/96 00
0410248207 05 01/01/97 0
410248207 O 12/01/11
0
1540716 B75/G02 F 67,500.00 T
180 66,737.40 1
1201 SW 96 TERRACE 8.375 659.76 49
8.125 659.76 139,000.00
PEMBROKE PINES FL 33025 2 01/30/97 00
0430161364 05 03/01/97 0
2686467 O 02/01/12
0
1540763 E22/G02 F 96,000.00 ZZ
180 94,203.48 4
4412 LAPLACE STREET 9.125 980.85 54
8.875 980.85 179,000.00
METAIRIE LA 70006 2 10/31/96 00
0410270607 05 12/01/96 0
410270607 N 11/01/11
0
1540799 638/G02 F 60,000.00 ZZ
180 59,186.25 1
1
5823 TERRACE PARK WAY 8.875 604.11 36
8.625 604.11 170,000.00
LOOMIS CA 95650 5 12/06/96 00
0430118695 05 02/01/97 0
8610928 O 01/01/12
0
1540808 E67/G02 F 61,600.00 ZZ
180 60,537.21 1
52587 LOST PONDEROSA ROAD 8.250 597.61 48
8.000 597.61 130,000.00
LAPINE OR 97739 5 11/15/96 00
0430099739 05 01/01/97 0
5755 O 12/01/11
0
1540829 604/G02 F 51,300.00 ZZ
180 50,452.73 1
5806 TULIP STREET 8.750 512.72 90
8.500 512.72 57,000.00
PHILADELPHIA PA 19135 1 11/29/96 01
0430101774 05 01/01/97 25
54109872 N 12/01/11
0
1540847 201/G02 F 63,750.00 ZZ
180 62,697.13 2
164 JACKSON STREET 8.750 637.15 85
COUNTY OF GENESEE 8.500 637.15 75,000.00
THE CITY OF BAT NY 14020 1 11/04/96 04
0430098228 05 01/01/97 20
2800929651 N 12/01/11
0
1541002 E22/G02 F 70,650.00 ZZ
180 69,495.91 4
3912 KIRKUP AVENUE 8.875 711.34 90
8.625 711.34 78,500.00
CINCINNATI OH 45213 1 11/04/96 04
0410165294 05 01/01/97 25
410165294 O 12/01/11
0
1541014 601/G02 F 385,600.00 ZZ
180 379,090.71 1
212 IRONMASTER ROAD 8.500 3,797.16 80
8.250 3,797.16 482,000.00
LEBANON PA 17042 5 11/05/96 00
0430103408 05 01/01/97 0
1
11045192110 O 12/01/11
0
1541024 E22/G02 F 67,500.00 ZZ
180 66,524.42 3
465 W 15TH PLACE 10.250 735.72 90
10.000 735.72 75,000.00
CHICAGO HEIGHTS IL 60411 1 11/14/96 04
0410174866 05 01/01/97 25
410174866 N 12/01/11
0
1541057 E22/G02 F 53,600.00 ZZ
180 52,695.19 1
183 DEER CREEK BOULEVARD 8.500 527.82 80
UNIT 602 8.250 527.82 67,000.00
DEERFIELD BEACH FL 33442 1 11/20/96 12
0410244776 01 01/01/97 25
410244776 N 12/01/11
0
1541093 F27/G02 F 340,000.00 ZZ
180 290,965.42 1
20452 SWAN CREEK COURT 8.250 3,298.48 80
8.000 3,298.48 430,000.00
STERLING VA 20165 1 04/28/95 00
0430136200 03 06/01/95 0
UNKNOWN O 05/01/10
0
1541124 811/G02 F 75,000.00 ZZ
180 73,960.17 2
3633 GREYSTONE AVE 8.625 744.06 33
8.375 744.06 230,000.00
BRONX NY 10463 5 12/16/96 00
0430186072 05 02/01/97 0
SB00105400 N 01/01/12
0
1541162 702/702 F 40,000.00 ZZ
180 39,475.23 2
31 CEDARWOOD TERRACE 9.250 411.68 37
9.000 411.68 110,000.00
GEORGIA VT 05468 5 12/12/96 00
5038336 05 02/01/97 0
5038336 N 01/01/12
0
1
1541235 E26/G02 F 190,000.00 ZZ
180 186,613.76 1
53 DEERHAVEN ROAD 7.875 1,802.06 31
7.625 1,802.06 620,000.00
MAHWAH NJ 07430 5 11/14/96 00
0430091934 05 01/01/97 0
520046 O 12/01/11
0
1541305 G80/225 F 123,500.00 ZZ
120 120,125.44 1
5109 NORTH KILBOURN AVENUE 8.250 1,514.76 80
8.000 1,514.76 155,000.00
CHICAGO IL 60630 2 12/17/96 00
0000000 05 02/01/97 0
803073400 O 01/01/07
0
1541354 G80/225 F 127,800.00 ZZ
180 125,543.23 1
8544 18TH AVE NW 8.500 1,258.50 90
8.250 1,258.50 142,000.00
SEATTLE WA 98117 1 12/05/96 10
8030760 05 02/01/97 25
803076000 N 01/01/12
0
1541474 731/G02 F 83,250.00 ZZ
180 81,875.10 2
282-284 BELLVUE DRIVE 8.750 832.04 75
8.500 832.04 111,000.00
MARIETTA GA 30060 5 11/14/96 00
0430110775 05 01/01/97 0
3140662901 O 12/01/11
0
1541521 E22/G02 F 26,700.00 ZZ
180 26,154.63 1
2147 ROMEO 9.625 280.83 46
9.375 280.83 58,500.00
FERNDALE MI 48220 2 10/11/96 00
0410161772 05 12/01/96 0
410161772 N 11/01/11
0
1541527 E22/G02 F 45,500.00 ZZ
180 36,443.38 1
645 CORTEZ DR 9.000 461.49 70
8.750 461.49 65,000.00
1
EL PASO TX 79905 5 11/13/96 00
0410264915 05 01/01/97 0
410264915 N 12/01/11
0
1541537 E22/G02 F 30,000.00 ZZ
180 29,509.96 1
2901 HORN AVE 8.875 302.05 70
8.625 302.05 43,000.00
CLOVIS NM 88101 5 11/13/96 00
0410262539 05 01/01/97 0
410262539 N 12/01/11
0
1541562 776/G02 F 69,000.00 T
180 67,809.55 1
635 IPSON CREEK DRIVE 8.250 669.40 75
8.000 669.40 92,000.00
PANGUITCH LAKE UT 84759 5 11/15/96 00
0430090514 05 01/01/97 0
6334761 O 12/01/11
0
1541564 001/G02 F 30,800.00 ZZ
180 30,382.27 1
4136 REDBIRD DRIVE 8.875 310.11 70
8.625 310.11 44,000.00
INDIANAPOLIS IN 46222 5 12/18/96 00
0430118976 05 02/01/97 0
968201 N 01/01/12
0
1541570 526/G02 F 67,600.00 ZZ
180 66,673.01 1
7711 HIGHWAY 32 8.750 675.63 64
8.500 675.63 106,000.00
CANYON LAKE TX 78130 5 12/06/96 00
0430105023 05 02/01/97 0
156130 N 01/01/12
0
1541572 E22/G02 F 71,400.00 ZZ
180 70,168.17 2
204 BERGENLINE AVE 8.250 692.68 70
8.000 692.68 102,000.00
UNION CITY NJ 07087 2 11/18/96 00
0410197354 05 01/01/97 0
410197354 O 12/01/11
0
1
1541639 E19/G02 F 59,200.00 ZZ
180 58,254.03 1
36983 COLBY AVENUE 9.125 604.86 75
8.875 604.86 79,000.00
BARSTOW AREA CA 92311 2 11/15/96 00
0430110411 05 01/01/97 0
100009920 N 12/01/11
0
1541640 G80/225 F 27,900.00 ZZ
180 27,521.61 1
1210 LAUDONNIERE ST 8.875 280.91 90
8.625 280.91 31,000.00
BEAUFORT SC 29902 1 12/19/96 10
8030715 05 02/01/97 25
803071500 N 01/01/12
0
1541708 934/G02 F 25,000.00 ZZ
180 24,657.14 1
2892 BOWDEN ROAD 8.750 249.87 50
8.500 249.87 50,000.00
AVON PARK FL 33825 1 12/13/96 00
0430116418 05 02/01/97 0
61006705 O 01/01/12
0
1541721 E86/G02 F 74,750.00 ZZ
180 73,950.93 2
44 PINE STREET 9.000 758.16 73
8.750 758.16 102,500.00
STATEN ISLAND NY 10301 5 01/23/97 00
0430137588 05 03/01/97 0
15511 N 02/01/12
0
1541800 369/G02 F 51,000.00 ZZ
180 50,148.37 1
1403 WALKER AVENUE 8.625 505.97 74
8.375 505.97 69,000.00
BALTIMORE MD 21239 2 11/13/96 00
0430089623 05 01/01/97 0
499630951 N 12/01/11
0
1541824 816/G02 F 134,500.00 ZZ
180 132,278.67 1
1
3207 SOUTH HEMPSTEAD 8.750 1,344.26 80
8.500 1,344.26 170,000.00
ARCADIA CA 91006 2 11/08/96 00
0430095570 05 01/01/97 0
073513 O 12/01/11
0
1541835 405/405 F 38,400.00 ZZ
180 37,783.84 1
8025 S.W.107TH AVENUE #316 9.250 395.21 80
9.000 395.21 48,000.00
MIAMI FL 33173 5 11/08/96 00
004046157 01 01/01/97 0
004046157 O 12/01/11
0
1541899 A91/G02 F 95,250.00 ZZ
180 94,161.97 1
245 NORTH CENTRAL AVENUE 8.250 924.06 75
8.000 924.06 127,000.00
VALLEY STREAM NY 11580 1 01/10/97 00
0430126060 05 03/01/97 0
UNKNOWN N 02/01/12
0
1541954 526/G02 F 16,200.00 ZZ
180 15,941.13 1
201 WEST HARRIS STREET 9.125 165.52 90
8.875 165.52 18,000.00
KIRBYVILLE TX 75956 1 11/08/96 10
0430090597 05 01/01/97 25
00154253 N 12/01/11
0
1541969 626/G02 F 76,000.00 ZZ
180 74,702.95 1
23 LOMA MAR COURT 8.375 742.85 72
8.125 742.85 106,000.00
SACRAMENTO CA 95828 1 11/06/96 00
0430091405 05 01/01/97 0
6676274 O 12/01/11
0
1542006 971/G02 F 219,100.00 ZZ
180 215,481.49 1
2284 NW 62 DRIVE 8.750 2,189.79 70
8.500 2,189.79 313,000.00
BOCA RATON FL 33433 1 11/25/96 00
0430091033 09 01/01/97 0
1
UNKNOWN O 12/01/11
0
1542160 E22/G02 F 31,500.00 ZZ
180 30,325.10 1
524 DE VARGAS 9.000 319.49 65
8.750 319.49 49,000.00
EL PASO TX 79905 5 11/13/96 00
0410264907 05 01/01/97 0
410264907 N 12/01/11
0
1542211 439/G02 F 67,000.00 T
180 62,492.03 1
51 CASTANO 7.550 623.01 70
7.300 623.01 95,714.00
RANCHO SANTA MA CA 92688 2 08/02/95 00
0430088286 01 10/01/95 0
1793263 O 09/01/10
0
1542213 439/G02 F 64,000.00 ZZ
180 61,687.57 1
1201 NW 123RD TERRACE #8A 7.950 609.78 76
7.700 609.78 85,000.00
PEMBROKE PINES FL 33026 5 05/24/96 00
0430088047 03 07/01/96 0
1855056 O 06/01/11
0
1542214 439/G02 F 150,000.00 ZZ
180 146,210.33 2
7 MONROE AVENUE 8.650 1,490.33 75
8.400 1,490.33 200,000.00
BAYVILLE NY 11709 1 08/07/96 00
0430087650 05 10/01/96 0
1862487 O 09/01/11
0
1542242 G80/225 F 33,000.00 ZZ
180 32,542.77 1
7518 KENDAL 8.750 329.82 30
8.500 329.82 113,000.00
DEARBORN MI 48126 2 12/27/96 00
0000000 05 02/01/97 0
802992100 O 01/01/12
0
1
1542520 E20/G02 F 46,400.00 ZZ
180 45,636.40 1
6528 RIVER PARK DRIVE 8.625 460.33 80
8.375 460.33 58,000.00
RIVERDALE GA 30274 5 12/17/96 00
0430166132 05 02/01/97 0
UNKNOWN O 01/01/12
0
1542542 A37/G02 F 91,800.00 ZZ
180 90,541.21 2
4536-4538 N 85TH STREET 8.750 917.49 90
8.500 917.49 102,000.00
MILWAUKEE WI 53225 1 12/24/96 10
0430104364 05 02/01/97 30
9600000557 N 01/01/12
0
1542623 737/G02 F 56,950.00 ZZ
180 55,988.64 1
5526 SOUTH LOWELL BLVD #D 8.500 560.81 66
8.250 560.81 86,950.00
LITTLETON CO 80123 1 11/22/96 00
0430102095 01 01/01/97 0
572805 N 12/01/11
0
1542643 705/G02 F 108,500.00 ZZ
180 107,287.60 2
417 GREAT EAST NECK ROAD 8.500 1,068.44 75
8.250 1,068.44 145,000.00
WEST BABYLON NY 11704 1 01/15/97 00
0430131409 05 03/01/97 0
96030433 N 02/01/12
0
1542649 A17/G02 F 53,900.00 ZZ
180 53,323.80 1
5 ALBERT DRIVE 9.000 546.69 70
UNIT 5 8.750 546.69 77,000.00
WOBURN MA 01801 5 01/03/97 00
0430119172 01 03/01/97 0
1542649 N 02/01/12
0
1542655 638/G02 F 46,700.00 ZZ
180 46,073.62 2
315 WEST GODFREY AVENUE 9.000 473.66 90
8.750 473.66 51,900.00
1
PHILADELPHIA PA 19120 1 12/19/96 01
0430115063 05 02/01/97 25
8599796 N 01/01/12
0
1542666 965/G02 F 53,600.00 ZZ
180 52,832.01 2
605 NORTH DREW STREET 8.250 520.00 80
8.000 520.00 67,000.00
MESA AZ 85201 1 12/19/96 04
0430118349 05 02/01/97 12
181508 N 01/01/12
0
1542691 590/G02 F 48,300.00 ZZ
180 47,680.35 1
4525 W 20 AVE #325 9.500 504.36 70
9.250 504.36 69,000.00
HIALEAH FL 33012 5 12/18/96 00
0430103911 05 02/01/97 0
0501016103 N 01/01/12
0
1542734 405/405 F 31,500.00 ZZ
180 31,002.17 1
2175 MEADOR AVENUE 9.250 324.20 90
9.000 324.20 35,000.00
ATLANTA GA 30315 1 11/18/96 04
4059911 05 01/01/97 25
4059911 N 12/01/11
0
1542780 664/G02 F 40,150.00 ZZ
180 39,479.54 1
7006 DESILU DRIVE 8.625 398.33 54
8.375 398.33 75,000.00
SAN ANTONIO TX 78240 2 11/18/96 00
0430092353 05 01/01/97 0
2148765 O 12/01/11
0
1542786 526/G02 F 15,750.00 ZZ
180 15,489.84 1
3224 TIMMONS LANE #111 8.750 157.42 70
8.500 157.42 22,500.00
HOUSTON TX 77027 1 11/07/96 00
0430090324 01 01/01/97 0
132532 N 12/01/11
0
1
1542841 E22/G02 F 32,900.00 ZZ
180 32,402.69 3
1323 S WEBSTER STREET 9.750 348.53 70
9.500 348.53 47,000.00
KOKOMO IN 46902 2 11/13/96 00
0410164867 05 01/01/97 0
410164867 N 12/01/11
0
1542910 A13/G02 F 270,000.00 T
180 265,290.91 1
127 LAGUNA LANE 8.125 2,599.79 90
7.875 2,599.79 301,500.00
LONG BEACH TWP NJ 08008 1 11/22/96 12
0430096941 05 01/01/97 25
960123224 O 12/01/11
0
1542958 526/G02 F 38,500.00 ZZ
180 37,891.56 1
107-36 WEST HUDSON DRIVE 9.250 396.24 70
9.000 396.24 55,000.00
LITTLE EGG HARB NJ 08087 1 11/15/96 00
0430090431 05 01/01/97 0
153779 N 12/01/11
0
1542987 830/G02 F 44,600.00 ZZ
180 43,974.84 1
1993 WEST CLYDE STREET 8.500 439.19 56
8.250 439.19 81,000.00
LAYTON UT 84041 2 12/20/96 00
0430110080 05 02/01/97 0
5219909990 N 01/01/12
0
1542992 966/G02 F 29,600.00 ZZ
180 29,161.79 1
4547 W LAKE HIGHLANDS DRIVE 7.875 280.75 80
7.625 280.75 37,000.00
THE COLONY TX 75067 1 12/23/96 00
0430115204 05 02/01/97 0
30002737 O 01/01/12
0
1543044 E22/G02 F 70,000.00 ZZ
180 66,566.89 1
1
1930 STOCKMEYER UNIT 15 8.625 694.46 55
8.375 694.46 127,500.00
WESTLAND MI 48186 2 11/14/96 00
0410265953 01 01/01/97 0
410265953 O 12/01/11
0
1543310 560/560 F 31,500.00 ZZ
180 30,956.50 2
62 DEERFIELD AVENUE 8.250 305.60 70
8.000 305.60 45,000.00
BUFFALO NY 14215 5 11/19/96 00
450576210 05 01/01/97 0
450576210 N 12/01/11
0
1543335 560/560 F 120,000.00 ZZ
180 118,023.31 1
112 CURTIS DR 8.875 1,208.22 80
8.625 1,208.22 150,000.00
SOUND BEACH NY 11789 1 11/27/96 00
450586458 05 01/01/97 0
450586458 O 12/01/11
0
1543340 B75/G02 F 80,000.00 ZZ
180 78,841.20 1
2110 MCLAINE ROAD 8.125 770.31 80
7.875 770.31 100,000.00
ARDMORE OK 73401 4 12/19/96 00
0430110478 05 02/01/97 0
2734960 O 01/01/12
0
1543350 560/560 F 59,500.00 ZZ
180 58,450.94 2
317 N SHIELDS AVENUE 8.000 568.62 53
7.750 568.62 114,000.00
RICHMOND VA 23220 5 11/21/96 00
450578158 05 01/01/97 0
450578158 N 12/01/11
0
1543395 971/G02 F 30,000.00 ZZ
180 29,515.31 1
1370 N W 154TH LANE 9.000 304.28 27
8.750 304.28 114,400.00
PEMBROKE PINES FL 33028 1 11/25/96 00
0430111658 09 01/01/97 0
1
UNKNOWN O 12/01/11
0
1543465 G80/225 F 187,500.00 ZZ
180 184,784.07 1
26 FLORAL LANE 8.125 1,805.41 75
7.875 1,805.41 250,000.00
TRUMBULL CT 06611 5 12/19/96 00
0000000 05 02/01/97 0
803140900 O 01/01/12
0
1543493 E22/G02 F 28,350.00 ZZ
180 27,921.45 1
3024 ELLET AVE 9.750 300.33 90
9.500 300.33 31,500.00
AKRON OH 44312 1 11/12/96 01
0410265318 05 01/01/97 25
410265318 N 12/01/11
0
1543558 766/G02 F 300,000.00 ZZ
180 295,045.34 1
300 SOUTH POINT DR 8.750 2,998.35 69
#2004 8.500 2,998.35 435,900.00
MIAMI BEACH FL 33139 1 11/26/96 00
0430093658 22 01/01/97 0
960Z0745 O 12/01/11
0
1543595 E22/G02 F 127,950.00 ZZ
180 125,790.12 1
10152 NW 43 TERRACE 8.500 1,259.97 80
8.250 1,259.97 159,990.00
MIAMI FL 33178 1 11/27/96 00
0410252753 09 01/01/97 0
410252753 O 12/01/11
0
1543654 E22/G02 F 27,450.00 ZZ
180 27,024.70 1
406 JEFFERSON ST N 9.875 292.88 90
9.625 292.88 30,500.00
MT VERNON OH 43050 1 11/21/96 04
0410163307 05 01/01/97 25
410163307 N 12/01/11
0
1
1543665 E22/G02 F 28,650.00 ZZ
180 28,176.84 1
6738 EASTRIDGE DRIVE 8.750 286.34 90
UNIT #100 8.500 286.34 31,885.00
DALLAS TX 75231 1 11/27/96 10
0410308951 01 01/01/97 25
410308951 O 12/01/11
0
1543715 816/G02 F 49,950.00 ZZ
180 49,109.33 1
20206 MISTY PINES DRIVE 9.000 506.63 90
8.750 506.63 55,500.00
HUMBLE TX 77346 1 11/19/96 04
0430100479 03 01/01/97 25
73507 N 12/01/11
0
1543720 B74/G02 F 234,000.00 ZZ
180 229,962.87 1
18 BLUE SPRUCE 8.250 2,270.13 69
8.000 2,270.13 344,051.00
IRVINE CA 92620 1 11/20/96 00
0430119669 03 01/01/97 0
963902 O 12/01/11
0
1543769 G60/G02 F 40,400.00 T
180 38,994.09 1
5636 UBER STREET 8.125 389.00 80
7.875 389.00 50,500.00
PHILADELPHIA PA 19141 1 12/12/96 01
0430112292 07 02/01/97 12
100745701 O 01/01/12
0
1543868 A06/G02 F 24,000.00 ZZ
180 23,616.45 1
20238 STRASBURG 9.125 245.22 80
8.875 245.22 30,000.00
DETROIT MI 48205 2 11/29/96 12
0430140160 05 01/01/97 12
9609105 N 12/01/11
0
1543918 971/G02 F 116,000.00 T
180 114,041.82 1
5399 GRAND PARK PLACE 8.500 1,142.30 80
8.250 1,142.30 145,000.00
1
BOCA RATON FL 33486 1 12/03/96 95
0430097089 09 01/01/97 0
UNKNOWN O 12/01/11
0
1543948 664/G02 F 27,900.00 ZZ
180 27,597.18 1
402 NORTH 8TH AVENUE 9.125 285.06 90
8.875 285.06 31,000.00
KELSO WA 98626 1 01/13/97 01
0430145292 05 03/01/97 25
2198919 N 02/01/12
0
1543967 E22/G02 F 80,000.00 ZZ
180 78,552.23 1
33 NORTH 200 WEST 9.125 817.37 90
8.875 817.37 88,900.00
CEDAR CITY UT 84720 1 11/25/96 01
0410222244 05 02/01/97 25
410222244 N 01/01/12
0
1543973 737/G02 F 33,000.00 ZZ
180 32,430.64 1
1596 ALLGOOD ROAD 8.250 320.15 49
8.000 320.15 68,000.00
STONE MOUNTAIN GA 30087 2 11/27/96 00
0430112227 05 01/01/97 0
558542 N 12/01/11
0
1543979 737/G02 F 35,000.00 ZZ
180 34,388.78 1
1303 RICHARD ROAD 8.250 339.55 47
8.000 339.55 74,500.00
DECATUR GA 30032 2 11/27/96 00
0430101683 05 01/01/97 0
558543 N 12/01/11
0
1544000 526/G02 F 11,000.00 ZZ
180 10,809.49 1
4218 AGNES 10.000 118.21 36
9.750 118.21 31,000.00
KANSAS CITY MO 64130 5 10/16/96 00
0430096164 05 12/01/96 0
0140302 N 11/01/11
0
1
1544160 F03/G02 F 43,450.00 ZZ
180 42,719.51 1
7202 RYAN GULCH ROAD #C 7202 8.875 437.48 75
8.625 437.48 57,950.00
SILVERTHORNE CO 80498 1 01/16/97 00
0430137729 06 03/01/97 0
DEN10360 N 02/01/12
0
1544251 E22/G02 F 47,600.00 ZZ
180 45,601.36 1
2117 ANITA DRIVE 8.875 479.26 70
8.625 479.26 68,000.00
LAS CRUCES NM 88001 1 10/31/96 00
0410265060 05 12/01/96 0
410265060 N 11/01/11
0
1544292 201/G02 F 57,600.00 ZZ
180 56,997.80 1
82-88 JACKSON STREET UNIT A6 9.250 592.82 90
9.000 592.82 64,000.00
HOBOKEN NJ 07030 1 01/21/97 04
0430145698 01 03/01/97 25
2000952305 N 02/01/12
0
1544293 E22/G02 F 44,200.00 ZZ
180 43,445.70 1
4412 CRESTMONT DRIVE 8.375 432.02 55
8.125 432.02 80,500.00
CHARLOTTE NC 28205 1 12/03/96 00
0410252647 05 01/01/97 0
410252647 N 12/01/11
0
1544317 E22/G02 F 24,000.00 ZZ
180 23,535.86 1
1229 CLEARWATER DRIVE 8.750 239.87 60
8.500 239.87 40,000.00
LIVINGSTON TX 77351 5 10/24/96 00
0410272512 05 12/01/96 0
410272512 N 11/01/11
0
1544459 F30/G02 F 74,700.00 ZZ
180 73,303.44 1
1
407 EAST INDIANA AVENUE 8.500 735.60 90
8.250 735.60 83,000.00
SPOKANE WA 99207 1 12/20/96 01
0430118810 05 02/01/97 25
103034 N 01/01/12
0
1544464 950/G02 F 65,700.00 ZZ
180 64,799.07 1
14534 27TH AVENUE NORTHEAST 8.750 656.64 90
8.500 656.64 73,000.00
SEATTLE WA 98155 1 12/16/96 04
0430120964 05 02/01/97 25
11219655 N 01/01/12
0
1544548 E22/G02 F 33,600.00 ZZ
180 33,032.81 1
1531 S W LATSHAW AVENUE 8.500 330.87 80
8.250 330.87 42,000.00
PORT ST LUCIE FL 34953 1 12/03/96 00
0410253397 05 01/01/97 0
410253397 O 12/01/11
0
1544554 E22/G02 F 36,000.00 ZZ
180 35,311.51 1
203 LAUREL DRIVE 8.875 362.46 90
8.625 362.46 40,000.00
SANFORD FL 32771 1 12/04/96 12
0410253843 05 01/01/97 25
410253843 N 12/01/11
0
1544609 E22/G02 F 24,500.00 ZZ
180 24,143.52 1
3853 EAST 32ND STREET 9.500 255.84 70
9.250 255.84 35,000.00
INDIANAPOLIS IN 46218 5 11/26/96 00
0410164909 05 02/01/97 0
410164909 N 01/01/12
0
1544615 E22/G02 F 35,000.00 ZZ
180 34,415.56 1
727 DABNEY ROAD 8.625 347.23 78
8.375 347.23 45,000.00
CHRISTIANSBURG VA 24073 1 11/15/96 00
0410288120 05 01/01/97 0
1
410288120 O 12/01/11
0
1544641 369/G02 F 100,000.00 ZZ
180 98,582.79 1
3470 SOUTH ZUNIS AVENUE 8.375 977.43 63
8.125 977.43 160,000.00
TULSA OK 74105 1 12/04/96 00
0430097634 05 02/01/97 0
0060222171 O 01/01/12
0
1544657 B75/G02 F 79,100.00 ZZ
180 77,779.22 2
301 BLACKMAN ROAD 8.625 784.74 90
8.375 784.74 87,900.00
NASHVILLE TN 37211 1 11/26/96 12
0430098236 05 01/01/97 25
2671352 O 12/01/11
0
1544909 E22/G02 F 20,000.00 ZZ
180 19,002.04 1
3081 N.W. 47TH TERRACE 8.500 196.95 80
UNIT #211 8.250 196.95 25,000.00
LAUDERDALE LAKE FL 33313 1 12/09/96 00
0410248124 08 02/01/97 0
410248124 O 01/01/12
0
1544925 533/G02 F 128,000.00 ZZ
180 126,302.04 4
1300 HULL PLACE 9.125 1,307.80 50
8.875 1,307.80 260,000.00
OXNARD CA 93030 2 12/02/96 00
0430110262 05 02/01/97 0
22222644 N 01/01/12
0
1544948 462/G02 F 158,000.00 ZZ
180 155,274.05 1
10997 N W 58TH TERRACE 8.250 1,532.83 80
8.000 1,532.83 197,990.00
MIAMI FL 33178 1 11/27/96 00
0430097741 03 01/01/97 0
0004532255 O 12/01/11
0
1
1544950 B75/G02 F 63,500.00 ZZ
180 62,798.23 1
45 LAKE MANOR PLACE #2 8.625 629.97 67
8.375 629.97 95,000.00
CROWLEY LAKE CA 93546 2 01/02/97 00
0430147405 01 03/01/97 0
2781110 O 02/01/12
0
1544953 462/G02 F 115,500.00 ZZ
180 113,550.22 1
11011 N W 58 TERRACE 8.500 1,137.38 50
8.250 1,137.38 230,990.00
MIAMI FL 33178 1 11/25/96 00
0430097691 03 01/01/97 0
0004522710 O 12/01/11
0
1544987 747/G02 F 64,000.00 ZZ
180 63,141.57 1
18465-67 IRIS ROAD 9.000 649.13 80
8.750 649.13 80,000.00
FORT MYERS FL 33912 1 12/23/96 10
0430115691 05 02/01/97 12
173825 N 01/01/12
0
1545095 E22/G02 F 70,000.00 ZZ
180 69,029.47 1
8020 SW 12TH STREET 8.625 694.46 67
8.375 694.46 105,000.00
MIAMI FL 33144 1 12/06/96 00
0410253694 05 02/01/97 0
410253694 O 01/01/12
0
1545118 E22/G02 F 59,400.00 ZZ
180 58,327.58 1
525 IVY WAY 8.250 576.26 85
8.000 576.26 69,900.00
GARLAND TX 75043 1 11/15/96 01
0410269369 05 01/01/97 20
410269369 N 12/01/11
0
1545133 E22/G02 F 31,500.00 ZZ
180 30,992.65 1
4103 NORTH KITLEY AVENUE 9.500 328.93 70
9.250 328.93 45,000.00
1
INDIANAPOLIS IN 46226 5 11/26/96 00
0410263230 05 01/01/97 0
410263230 N 12/01/11
0
1545168 E22/G02 F 42,900.00 ZZ
180 42,214.48 1
625 LUM 9.125 438.32 65
8.875 438.32 66,000.00
KALAMAZOO MI 49001 5 11/19/96 00
0410164099 05 01/01/97 0
410164099 N 12/01/11
0
1545187 201/G02 F 31,500.00 ZZ
180 30,789.60 1
503 HOUSTON AVENUE 9.000 319.49 90
8.750 319.49 35,000.00
STRAWN TX 76475 1 12/02/96 01
0430104273 05 01/01/97 25
8800953989 N 12/01/11
0
1545259 076/076 F 80,000.00 ZZ
180 78,435.92 1
17 NEWTON DRIVE 8.625 793.67 80
8.375 793.67 100,000.00
SUTTON MA 01590 1 11/04/96 00
7057254 05 12/01/96 0
7057254 O 11/01/11
0
1545269 E46/G02 F 64,000.00 ZZ
180 63,308.18 2
225 NORTH 1ST AVENUE 8.875 644.38 41
8.625 644.38 159,000.00
MANVILLE NJ 08835 5 01/08/97 00
0430141952 05 03/01/97 0
24227 N 02/01/12
0
1545274 076/076 F 51,000.00 ZZ
180 48,083.73 1
538 EARLY FALL CT 8.750 509.72 65
8.500 509.72 79,350.00
HERNDON VA 22070 1 11/07/96 00
6658062 09 01/01/97 0
6658062 O 12/01/11
0
1
1545279 076/076 F 373,500.00 ZZ
180 367,194.95 1
316 WEST RIVO ALTO DRIVE 8.500 3,678.01 63
8.250 3,678.01 600,000.00
MIAMI BEACH FL 33139 5 11/19/96 00
6486762 05 01/01/97 0
6486762 O 12/01/11
0
1545290 757/757 F 60,000.00 ZZ
180 59,140.31 1
438 OLD CADES COVE ROAD 8.250 582.09 55
8.000 582.09 109,182.00
TOWNSEND TN 37882 5 12/12/96 00
2879088 05 02/01/97 0
2879088 N 01/01/12
0
1545295 B75/G02 F 60,000.00 ZZ
180 59,149.66 1
1915 CASTLEWAY LANE 8.375 586.46 27
8.125 586.46 225,000.00
ATLANTA GA 30345 1 12/03/96 00
0430099754 05 02/01/97 0
2671527 O 01/01/12
0
1545814 766/G02 F 56,950.00 ZZ
180 56,148.49 1
15020 LINCOLN DRIVE 8.625 564.99 85
8.375 564.99 67,000.00
LEISURE CITY FL 33033 5 11/26/96 11
0430101246 05 02/01/97 25
96OZ0800 O 01/01/12
0
1545850 E22/G02 F 80,000.00 ZZ
180 78,707.52 1
406 VAN BUREN STREET 9.000 811.41 52
8.750 811.41 155,000.00
NORTH BABYLON NY 11703 5 11/05/96 00
0410248611 05 01/01/97 0
410248611 N 12/01/11
0
1545852 E22/G02 F 75,000.00 ZZ
180 73,982.86 1
1
609 WHITEHOUSE FORK ROAD 8.875 755.13 75
8.625 755.13 100,540.00
SWANSBORO NC 28584 5 12/06/96 00
0410251177 05 02/01/97 0
410251177 O 01/01/12
0
1545855 E22/G02 F 126,000.00 ZZ
180 123,849.68 2
86-69 106 STREET 8.375 1,231.56 70
8.125 1,231.56 180,000.00
RICHMOND HILL NY 11418 5 11/13/96 00
0410247944 05 01/01/97 0
410247944 O 12/01/11
0
1545909 624/G02 F 55,000.00 ZZ
180 54,371.75 1
1348 DAVIDSON AVENUE 8.250 533.58 74
8.000 533.58 75,000.00
SAN BERNARDINO CA 92411 2 01/09/97 00
0430139055 05 03/01/97 0
34070560013 N 02/01/12
0
1545981 560/560 F 48,850.00 ZZ
180 48,187.46 1
3062 W 69TH STREET 8.875 491.85 80
8.625 491.85 61,100.00
INDIANAPOLIS IN 46268 1 12/05/96 04
450591342 05 02/01/97 12
450591342 N 01/01/12
0
1546013 E26/G02 F 50,000.00 ZZ
180 49,299.13 1
4027 35TH STREET 8.500 492.37 90
8.250 492.37 55,600.00
MOUNT RAINIER MD 20712 1 12/23/96 10
0430108951 05 02/01/97 25
425106 N 01/01/12
0
1546027 E29/G02 F 48,500.00 ZZ
120 47,201.52 1
14282 E TUFTS PL Q-11 8.625 604.58 83
8.375 604.58 59,000.00
AURORA CO 80015 2 01/02/97 04
0430128165 01 02/01/97 20
1
19612015 N 01/01/07
0
1546050 957/G02 F 71,400.00 ZZ
180 70,399.12 1
1348 KESSER DRIVE 8.500 703.11 70
8.250 703.11 103,000.00
PLANO TX 75025 1 12/11/96 00
0430116293 05 02/01/97 0
0177177 N 01/01/12
0
1546155 G80/225 F 24,800.00 ZZ
180 24,518.43 1
2728 NORTH HAMPDEN COURT #208 8.625 246.04 80
8.375 246.04 31,000.00
CHICAGO IL 60614 1 01/07/97 14
0000000 06 03/01/97 12
802889800 N 02/01/12
0
1546159 G80/225 F 28,400.00 ZZ
180 28,084.12 1
2728 NORTH HAMPDEN COURT UNIT 8.625 281.76 80
403 8.375 281.76 35,500.00
CHICAGO IL 60614 1 01/07/97 14
0000000 06 03/01/97 12
802903100 N 02/01/12
0
1546217 F03/G02 F 74,650.00 ZZ
180 73,815.84 1
19011 EAST OXFORD DRIVE 8.500 735.11 69
8.250 735.11 109,000.00
AURORA CO 80013 2 01/16/97 00
0430134973 05 03/01/97 0
DEN10373 O 02/01/12
0
1546229 F30/G02 F 100,000.00 ZZ
180 98,389.59 1
2760 SOUTH VENAR CIRCLE 7.875 948.45 61
7.625 948.45 166,000.00
SALT LAKE CITY UT 84109 5 12/06/96 00
0430117184 05 02/01/97 0
102736 O 01/01/12
0
1
1546237 731/G02 F 80,000.00 ZZ
180 78,727.93 2
740 & 742 JACKSONVIEW ROAD 8.625 793.66 80
8.375 793.66 100,000.00
SUWANEE GA 30174 2 12/11/96 01
0430102913 05 02/01/97 12
3140663089 N 01/01/12
0
1546238 731/G02 F 88,000.00 ZZ
180 86,691.69 2
394-396 RIVERBROOK TRAIL 8.625 873.03 82
8.375 873.03 107,500.00
RIVERDALE GA 30269 2 12/11/96 01
0430102897 05 02/01/97 20
3140663092 N 01/01/12
0
1546309 180/G02 F 45,000.00 ZZ
180 44,376.08 1
2718 HILLDALE BOULEVARD 8.625 446.44 75
8.375 446.44 60,000.00
ARLINGTON TX 76016 1 12/30/96 00
0430137448 05 02/01/97 0
4617072 N 01/01/12
0
1546351 661/661 F 285,000.00 ZZ
180 274,313.41 1
4390 HACKLEY POINT LANE 8.625 2,827.43 91
8.375 2,827.43 315,000.00
MUSKEGON MI 49441 1 08/29/96 92
2568582 05 10/01/96 30
2568582 O 09/01/11
0
1546352 661/661 F 119,889.00 ZZ
180 116,539.80 1
4553 4TH STREET NORTHWEST 9.125 1,224.93 100
8.875 1,224.93 119,889.00
ROCHESTER MN 55901 1 07/26/96 92
2617512 05 09/01/96 30
2617512 O 08/01/11
0
1546358 661/661 F 330,000.00 T
180 322,021.72 1
113 EAST 3RD STREET 7.750 3,106.21 90
7.500 3,106.21 368,000.00
1
FREDERICK MD 21701 1 09/13/96 92
2584613 05 11/01/96 30
2584613 O 10/01/11
0
1546359 661/661 F 367,000.00 ZZ
180 358,127.21 1
10 EAST LEE STREET #2401 7.750 3,454.48 96
7.500 3,454.48 385,000.00
BALTIMORE MD 21202 1 09/13/96 92
2584621 06 11/01/96 30
2584621 O 10/01/11
0
1546414 E22/G02 F 47,700.00 ZZ
180 46,920.85 1
512 SOUTH MAIN AVENUE 8.875 480.26 67
8.625 480.26 72,000.00
PORTALES NM 88130 5 11/15/96 00
0410288146 05 01/01/97 0
410288146 N 12/01/11
0
1546441 A93/G02 F 128,000.00 ZZ
180 127,657.90 3
1163 40TH STREET 8.875 1,288.77 80
8.625 1,288.77 160,000.00
BROOKLYN NY 11218 1 04/07/97 00
0430190165 05 06/01/97 0
0193341 O 05/01/12
0
1546454 B75/G02 F 63,000.00 ZZ
180 62,164.30 4
605-607 WEST BYRD BOULEVARD 9.125 643.68 70
8.875 643.68 90,000.00
UNIVERSAL CITY TX 78207 1 12/09/96 00
0430105536 05 02/01/97 0
2731859 N 01/01/12
0
1546512 661/661 F 355,000.00 ZZ
180 347,433.98 1
34 STONE SPRINGS CIRCLE 7.625 3,316.16 100
7.375 3,316.16 355,000.00
THE WOODLANDS TX 77381 1 10/07/96 92
2653020 03 12/01/96 30
2653020 O 11/01/11
0
1
1546514 661/661 F 235,000.00 T
180 230,289.10 1
15 WINDERMERE ROAD 8.375 2,296.95 100
8.125 2,296.95 235,000.00
WEST YARMOUTH MA 02673 1 10/01/96 92
2666873 05 12/01/96 30
2666873 O 11/01/11
0
1546516 661/661 F 319,000.00 ZZ
180 312,557.03 1
13 LOMA SERENA 8.250 3,094.74 99
8.000 3,094.74 324,000.00
SANTA FE NM 87501 1 10/09/96 92
2670701 05 12/01/96 30
2670701 O 11/01/11
0
1546517 661/661 F 120,000.00 ZZ
180 117,160.17 1
6708 SHOREWOOD DRIVE 8.000 1,146.78 100
7.750 1,146.78 120,000.00
ARLINGTON TX 76016 1 09/30/96 93
2681419 05 11/01/96 30
2681419 O 10/01/11
0
1546521 661/661 F 199,731.00 ZZ
180 195,938.07 1
651 HIGH QUARRY DRIVE 7.875 1,894.34 100
7.625 1,894.34 199,732.00
HENDERSONVILLE NC 28791 1 11/13/96 92
2707107 09 01/01/97 30
2707107 O 12/01/11
0
1546581 964/G02 F 55,250.00 ZZ
180 54,793.70 1
25460 PUMALO STREET 8.625 548.12 65
8.375 548.12 85,000.00
SAN BERNARDINO CA 92404 5 02/10/97 00
0430162685 05 04/01/97 0
21204 N 03/01/12
0
1546588 624/G02 F 87,000.00 ZZ
180 84,749.07 1
1
1848 SEQUOIA DRIVE 8.000 831.42 48
7.750 831.42 185,000.00
SANTA MARIA CA 93454 2 12/26/96 00
0430117754 05 02/01/97 0
72007660243 O 01/01/12
0
1546622 661/661 F 685,000.00 ZZ
180 672,791.84 1
2112 CLUB VISTA PLACE 7.875 6,496.88 100
7.625 6,496.88 685,000.00
LOUISVILLE KY 40245 1 11/13/96 92
2708857 03 01/01/97 30
2708857 O 12/01/11
0
1546625 661/661 F 93,000.00 T
180 90,832.66 1
876 GULF PAVILION DRIVE 7.875 882.05 100
UNIT #102 7.625 882.05 93,000.00
NAPLES FL 34108 1 11/08/96 92
2717759 01 01/01/97 30
2717759 O 12/01/11
0
1546626 661/661 F 79,000.00 ZZ
180 76,821.38 1
5008 NORTH BEVALON PLACE 7.625 737.96 100
7.375 737.96 79,000.00
PEORIA IL 61614 1 08/22/96 92
2623528 05 10/01/96 30
2623528 O 09/01/11
0
1546759 267/267 F 81,000.00 ZZ
180 75,043.89 1
24261 MONUMENT STREET 7.875 768.25 34
7.625 768.25 240,000.00
HAYWARD CA 94545 2 01/15/97 00
4433328 05 03/01/97 0
4433328 O 02/01/12
0
1546814 369/G02 F 100,000.00 ZZ
180 96,783.38 1
1722 CHESAPEAKE BAY COURT 8.000 955.66 79
7.750 955.66 127,500.00
HOUSTON TX 77084 1 11/27/96 00
0430105064 03 01/01/97 0
1
60182730 O 12/01/11
0
1546824 201/G02 F 25,800.00 ZZ
180 25,442.29 1
107 GARNER ROAD 8.625 255.96 90
8.375 255.96 28,700.00
WEATHERFORD TX 76086 1 12/02/96 10
0430103721 05 02/01/97 25
8800953443 N 01/01/12
0
1546884 F30/G02 F 43,750.00 ZZ
180 43,136.76 1
3370 LINCOLN AVENUE 8.500 430.82 70
8.250 430.82 62,500.00
OGDEN UT 84401 5 12/16/96 00
0430109744 05 02/01/97 0
102944 N 01/01/12
0
1546908 G80/225 F 57,600.00 ZZ
180 56,784.67 1
911 EAST RUTH AVENUE 8.500 567.21 90
8.250 567.21 64,000.00
PHOENIX AZ 85020 1 12/30/96 04
0000000 05 02/01/97 25
803344300 N 01/01/12
0
1546923 405/405 F 36,000.00 ZZ
180 35,390.65 1
1523 SENTINEL STREET 8.750 359.81 80
8.500 359.81 45,000.00
HOLIDAY FL 34690 2 11/25/96 01
4060451 05 01/01/97 12
4060451 N 12/01/11
0
1546937 098/G02 F 71,900.00 ZZ
180 71,344.67 3
124 OAK STREET 9.375 745.39 90
9.125 745.39 79,900.00
YONKERS NY 10703 1 02/10/97 01
0430148874 05 04/01/97 25
461001404 N 03/01/12
0
1
1546990 E22/G02 F 39,600.00 ZZ
180 39,008.07 4
413 15TH STREET 9.875 422.52 90
9.625 422.52 44,000.00
PORT HURON MI 48060 1 11/22/96 04
0410164842 05 01/01/97 25
410164842 N 12/01/11
0
1546991 E22/G02 F 57,200.00 ZZ
180 56,121.70 1
11701 FAST HORSE DRIVE 8.375 559.09 67
8.125 559.09 86,000.00
AUSTIN TX 78759 5 12/05/96 00
0410307011 05 01/01/97 0
410307011 N 12/01/11
0
1546994 E22/G02 F 38,100.00 ZZ
180 37,530.46 1
13751-13753 SABLE CREST 9.875 406.52 60
9.625 406.52 63,500.00
HOUSTON TX 77014 1 11/18/96 00
0410270847 03 01/01/97 0
410270847 N 12/01/11
0
1547021 E22/G02 F 85,000.00 ZZ
180 83,808.51 4
471 76TH AVENUE NORTH 8.500 837.03 78
8.250 837.03 110,000.00
ST. PETERSBURG FL 33702 1 12/18/96 00
0410254585 05 02/01/97 0
410254585 O 01/01/12
0
1547049 896/G02 F 125,000.00 T
180 123,603.23 1
142 COLD BRANCH ROAD 8.500 1,230.92 54
8.250 1,230.92 235,000.00
EATONTON GA 31024 5 01/22/97 00
0430137737 05 03/01/97 0
UNKNOWN O 02/01/12
0
1547055 638/G02 F 55,000.00 ZZ
180 54,220.56 1
42 INLET ROAD 8.375 537.58 79
8.125 537.58 70,100.00
1
BRISTOL TOWNSHI PA 19057 1 12/31/96 00
0430118224 05 02/01/97 0
8616554 O 01/01/12
0
1547114 664/G02 F 84,500.00 ZZ
180 83,288.57 2
5019 HIGHLAND COURT 8.750 844.54 65
8.500 844.54 130,000.00
AUSTIN TX 78731 5 12/10/96 00
0430108647 05 02/01/97 0
2148906 N 01/01/12
0
1547283 E22/G02 F 140,800.00 ZZ
180 138,869.29 1
1721 SW 104 AVENUE 8.750 1,407.22 80
8.500 1,407.22 176,000.00
MIAMI FL 33165 5 12/13/96 00
0410253371 05 02/01/97 0
410253371 O 01/01/12
0
1547378 830/830 F 24,800.00 ZZ
180 24,585.94 1
1451 EASON STREET 8.125 238.79 80
7.875 238.79 31,000.00
ATLANTA GA 30314 1 02/27/97 10
5219909990 05 04/01/97 25
5219909990 N 03/01/12
0
1547405 664/G02 F 55,000.00 ZZ
180 54,237.42 2
113 NW ADAMS PL. & 8.625 545.65 50
114 NW JEFFERSON PL. 8.375 545.65 110,000.00
BEND OR 97701 5 12/11/96 00
0430111856 05 02/01/97 0
2225605 N 01/01/12
0
1547475 369/G02 F 62,300.00 ZZ
180 61,248.28 1
253 PINYON LANE 8.500 613.50 75
8.250 613.50 83,100.00
COPPELL TX 75019 1 11/27/96 00
0430111971 05 01/01/97 0
0060171550 N 12/01/11
0
1
1547486 A06/G02 F 345,000.00 ZZ
180 340,163.92 1
29 FISHER 8.500 3,397.36 74
8.125 3,397.36 470,000.00
GROSSE POINTE MI 48230 2 12/17/96 00
0430103739 05 02/01/97 0
1000009608617 O 01/01/12
0
1547522 201/G02 F 81,600.00 T
180 80,493.31 1
420 A EAST 5TH STREET 8.875 821.59 80
COUNTY OF CAPE MAY 8.625 821.59 102,000.00
NORTH WILDWOOD NJ 08260 1 12/05/96 10
0430105411 01 02/01/97 12
3800943320 O 01/01/12
0
1547657 F30/G02 F 37,100.00 ZZ
180 36,579.95 1
3002 ADAMS AVENUE 8.500 365.34 70
8.250 365.34 53,000.00
OGDEN UT 84401 5 12/16/96 00
0430119107 05 02/01/97 0
102946 N 01/01/12
0
1547675 E22/G02 F 47,650.00 ZZ
180 46,275.21 1
11121 HENGE DRIVE 8.375 465.74 51
8.125 465.74 94,500.00
AUSTIN TX 78759 2 12/05/96 00
0410311658 05 01/01/97 0
410311658 N 12/01/11
0
1547681 E22/G02 F 42,600.00 ZZ
180 41,490.09 1
3510 AMBLESIDE DRIVE 8.375 416.38 49
8.125 416.38 88,500.00
AUSTIN TX 78759 2 12/05/96 00
0410311641 05 01/01/97 0
410311641 N 12/01/11
0
1547722 E22/G02 F 136,000.00 ZZ
180 132,971.00 1
1
1721 BANIDA AVENUE 8.375 1,329.30 80
8.125 1,329.30 170,000.00
ROWLAND HEIGHTS CA 91748 5 12/09/96 00
0410291371 05 02/01/97 0
410291371 O 01/01/12
0
1547730 E22/G02 F 62,000.00 ZZ
180 61,121.36 1
5130 26TH AVENUE NORTHEAST 8.375 606.00 54
8.125 606.00 115,000.00
SEATTLE WA 98105 2 12/20/96 00
0410309447 05 02/01/97 0
410309447 N 01/01/12
0
1547748 286/286 F 26,900.00 ZZ
180 26,465.38 1
606 EIGHTH AVENUE 9.000 272.84 90
8.750 272.84 29,900.00
JUNIATA ALTOONA PA 16601 1 11/26/96 10
8595772 05 01/01/97 25
8595772 N 12/01/11
0
1547833 B75/G02 F 70,000.00 T
180 69,234.92 1
100 EAST VILLAGE BOULEVARD 8.750 699.61 70
UNIT #19 8.500 699.61 100,000.00
LAREDO TX 78041 1 01/17/97 00
0430141259 01 03/01/97 0
2735330 O 02/01/12
0
1547855 E22/G02 F 56,250.00 ZZ
180 54,966.97 1
2727 RHAWN ST, # 18 9.125 574.72 75
8.875 574.72 75,000.00
PHILADELPHIA PA 19152 1 12/02/96 00
0410250047 01 02/01/97 0
410250047 N 01/01/12
0
1547975 E22/G02 F 39,500.00 ZZ
180 38,601.66 1
11545 SANDY LOAM TRAIL 8.375 386.08 53
8.125 386.08 75,000.00
AUSTIN TX 78750 5 12/05/96 00
0410309090 05 01/01/97 0
1
410309090 N 12/01/11
0
1548017 098/G02 F 80,000.00 ZZ
180 79,270.63 1
17 BAILEY DRIVE 7.500 741.61 64
7.250 741.61 125,000.00
EAST MASSAPEQUA NY 11758 5 02/28/97 00
0430164442 05 04/01/97 0
966200709 N 03/01/12
0
1548102 731/G02 F 106,400.00 ZZ
180 104,303.80 1
14025 NUBIA STREET 8.875 1,071.28 79
8.625 1,071.28 135,000.00
BALDWIN PARK CA 91706 1 12/17/96 00
0430121145 05 02/01/97 0
412610341 N 01/01/12
0
1548188 560/560 F 9,900.00 ZZ
180 9,761.23 1
1316 N WESTNEDGE AVENUE 8.500 97.49 90
8.250 97.49 11,000.00
KALAMAZOO MI 49007 1 12/13/96 10
450598719 05 02/01/97 25
450598719 N 01/01/12
0
1548189 560/560 F 34,600.00 ZZ
180 34,098.82 1
511 E CHARLTON ST 8.125 333.16 65
7.875 333.16 53,300.00
SAVANNAH GA 31401 1 12/06/96 00
450593124 05 02/01/97 0
450593124 N 01/01/12
0
1548225 480/G02 F 27,000.00 ZZ
180 26,641.86 1
3041 NORTH 42ND AVENUE 9.125 275.86 52
8.875 275.86 52,000.00
PHOENIX AZ 85019 1 12/10/96 00
0430116822 05 02/01/97 0
2028835 O 01/01/12
0
1
1548229 560/560 F 100,000.00 ZZ
180 98,613.52 1
109 WESTMINSTER AVENUE 8.625 992.09 28
8.375 992.09 370,000.00
ARLINGTON MA 02174 2 12/12/96 00
450600952 05 02/01/97 0
450600952 O 01/01/12
0
1548233 757/757 F 83,000.00 ZZ
180 81,849.24 1
5407 HIGHWAY 81 N 8.625 823.43 36
8.375 823.43 231,000.00
LOGANVILLE GA 30249 2 12/09/96 00
2877900 05 02/01/97 0
2877900 O 01/01/12
0
1548245 B75/G02 F 65,000.00 ZZ
180 64,098.82 1
1924 SALEM COURT 8.625 644.85 47
8.375 644.85 141,000.00
DELTONA FL 32738 5 12/23/96 00
0430116889 05 02/01/97 0
2764728 O 01/01/12
0
1548271 E22/G02 F 25,200.00 ZZ
180 24,834.96 1
5607 ELM SPRING DRIVE 8.125 242.65 90
7.875 242.65 28,000.00
HOUSTON TX 77048 1 12/03/96 10
0410266449 05 02/01/97 25
410266449 N 01/01/12
0
1548302 E22/G02 F 25,300.00 ZZ
180 24,836.84 1
2204 W. 71ST TERRACE 9.375 262.29 32
9.125 262.29 80,000.00
PRAIRIE VILLAGE KS 66206 2 10/04/96 00
0410262232 03 12/01/96 0
410262232 N 11/01/11
0
1548320 765/G02 F 220,000.00 ZZ
180 218,738.21 1
15141 LOTUS GARDEN DRIVE 8.125 2,118.35 80
7.875 2,118.35 275,000.00
1
CANYON COUNTRY CA 91351 2 03/14/97 00
0430192740 05 05/01/97 0
321166 O 04/01/12
0
1548332 731/G02 F 63,750.00 ZZ
180 62,721.80 1
1808 HICKORY CREEK COURT 8.375 623.11 75
8.125 623.11 85,000.00
ACWORTH GA 30101 2 12/27/96 00
0430115188 05 02/01/97 0
3140663062 N 01/01/12
0
1548352 661/661 F 48,000.00 ZZ
180 46,987.88 1
1309 TIOGA AVENUE 7.750 451.81 100
7.500 451.81 48,000.00
AKRON OH 44305 1 10/10/96 92
2632321 05 12/01/96 30
2632321 O 11/01/11
0
1548370 F03/G02 F 45,000.00 ZZ
180 44,113.49 1
120 CARRIAGE ROAD 8.500 443.14 53
UNIT 8 8.250 443.14 85,000.00
FRASER CO 80442 5 01/17/97 00
0430131615 01 03/01/97 0
DEN10429 N 02/01/12
0
1548446 225/225 F 76,000.00 ZZ
180 75,372.29 1
201 ALBANY POST RD 8.625 753.99 57
8.375 753.99 135,000.00
BUCHANAN NY 10511 5 02/10/97 00
803315600 05 04/01/97 0
803315600 N 03/01/12
0
1548480 A78/G02 F 110,000.00 ZZ
180 108,296.04 1
190 HILLSIDE DRIVE 8.250 1,067.15 79
8.000 1,067.15 140,000.00
CASTLE ROCK CO 80104 2 12/13/96 00
0430113191 05 02/01/97 0
300571245 O 01/01/12
0
1
1548554 076/076 F 175,000.00 ZZ
180 170,750.85 1
158 APRIL WATERS WEST 8.250 1,697.75 67
8.000 1,697.75 265,000.00
MONTGOMERY TX 77356 1 11/12/96 00
5559092 03 01/01/97 0
5559092 O 12/01/11
0
1548555 076/076 F 101,500.00 ZZ
180 99,748.80 1
1980 DURHAM ROAD 8.250 984.70 70
8.000 984.70 145,000.00
GUILFORD CT 06437 1 11/15/96 00
5954602 05 01/01/97 0
5954602 O 12/01/11
0
1548556 076/076 F 38,000.00 ZZ
180 37,265.05 2
2321 - 2323 SHULL ROAD NE 8.750 379.80 57
8.500 379.80 67,000.00
ROANOKE VA 24012 2 10/15/96 00
6355182 05 12/01/96 0
6355182 O 11/01/11
0
1548557 076/076 F 49,000.00 ZZ
180 47,959.52 1
415 BEAUMONT DRIVE 9.250 504.30 66
9.000 504.30 75,000.00
ARDMORE OK 73401 5 09/25/96 00
6377962 05 11/01/96 0
6377962 N 10/01/11
0
1548558 076/076 F 75,250.00 ZZ
180 73,965.81 1
ROUTE 2 BOX 21 8.375 735.51 38
PLEASANT GREEN RD 8.125 735.51 201,000.00
CROZET VA 22932 5 11/15/96 00
6417452 05 01/01/97 0
6417452 N 12/01/11
0
1548559 076/076 F 26,100.00 ZZ
180 25,616.92 1
1
7706 BELCREST PLACE 9.250 268.62 90
9.000 268.62 29,000.00
NEW ORLEANS LA 70126 1 10/25/96 12
6423162 09 12/01/96 25
6423162 N 11/01/11
0
1548561 076/076 F 19,600.00 ZZ
180 19,300.40 1
208 SOUTH NORWOOD 9.625 206.15 70
9.375 206.15 28,000.00
DERMOTT AR 71638 5 11/19/96 00
6531812 05 01/01/97 0
6531812 N 12/01/11
0
1548562 076/076 F 72,250.00 ZZ
180 70,927.42 2
3123-3125 TERRACE AVENUE 9.375 749.01 85
9.125 749.01 85,000.00
SLIDELL LA 70458 1 11/05/96 01
6575052 05 12/01/96 20
6575052 N 11/01/11
0
1548564 076/076 F 46,800.00 ZZ
180 46,027.03 1
1903 MOHAWK ROAD 8.750 467.75 90
8.500 467.75 52,000.00
PUEBLO CO 81001 1 11/25/96 04
6662022 01 01/01/97 25
6662022 N 12/01/11
0
1548570 076/076 F 59,400.00 ZZ
180 57,720.91 1
6628 COMMUNITY DRIVE 8.625 589.30 90
8.375 589.30 66,000.00
HOUSTON TX 77005 1 10/21/96 04
7061982 05 12/01/96 25
7061982 N 11/01/11
0
1548571 076/076 F 82,500.00 ZZ
180 81,181.69 3
4600 FORT AVENUE 9.125 842.92 75
8.875 842.92 110,000.00
LYNCHBURG VA 24502 1 11/15/96 00
7063915 05 01/01/97 0
1
7063915 N 12/01/11
0
1548576 076/076 F 41,100.00 T
180 40,081.13 1
425-B SCONTI RIDGE DR 8.125 395.75 60
7.875 395.75 68,500.00
JASPERS GA 30143 1 11/15/96 00
7064682 01 01/01/97 0
7064682 O 12/01/11
0
1548578 076/076 F 51,000.00 ZZ
180 34,714.58 1
6635 SW 6 STREET 8.750 509.72 41
8.500 509.72 126,000.00
MIAMI FL 33144 5 11/13/96 00
7063602 05 01/01/97 0
7063602 O 12/01/11
0
1548627 638/G02 F 125,900.00 ZZ
180 124,539.06 1
3859 LICORICE CT 8.875 1,267.62 90
8.625 1,267.62 139,900.00
CASTLE ROCK CO 80104 1 01/13/97 04
0430138644 05 03/01/97 25
8615829 N 02/01/12
0
1548663 E45/G02 F 35,000.00 ZZ
180 34,293.08 1
593 BUFORD HWY 8.250 339.55 48
8.000 339.55 73,000.00
BUFORD GA 30518 5 12/20/96 00
0430122085 05 02/01/97 0
70333 N 01/01/12
0
1548696 G41/G02 F 160,000.00 ZZ
180 157,657.10 1
8 ROSETTE LANE 8.000 1,529.04 47
7.750 1,529.04 341,000.00
RICHBORO PA 18954 5 12/20/96 00
0430116004 05 02/01/97 0
NONE O 01/01/12
0
1
1548713 E22/G02 F 35,400.00 ZZ
180 34,930.40 3
325 SW 93RD STREET 9.125 361.69 65
8.875 361.69 54,500.00
OKLAHOMA CITY OK 73139 5 12/20/96 00
0410288856 03 02/01/97 0
410288856 N 01/01/12
0
1548748 776/G02 F 58,500.00 ZZ
180 57,670.91 1
3342 AYITA CIRCLE 8.375 571.80 33
8.125 571.80 178,000.00
LAS VEGAS NV 89109 2 12/19/96 00
0430117242 05 02/01/97 0
6337950 O 01/01/12
0
1548749 776/G02 F 208,000.00 ZZ
180 205,019.86 2
539-541 NORTH ALTA VISTA BLVD 8.250 2,017.89 80
8.000 2,017.89 260,000.00
LOS ANGELES CA 90036 1 12/18/96 01
0430145599 05 02/01/97 12
2140343 N 01/01/12
0
1548751 816/G02 F 136,500.00 ZZ
180 134,586.60 2
483-485 EAST THIRD AVENUE 8.500 1,344.17 65
8.250 1,344.17 210,000.00
SALT LAKE CITY UT 84103 5 12/30/96 00
0430125724 05 02/01/97 0
141226 N 01/01/12
0
1548784 E22/G02 F 36,000.00 ZZ
120 33,508.20 1
12900 LAKE AVENUE UNIT # 1827 8.875 453.60 60
8.625 453.60 61,000.00
LAKEWOOD OH 44107 5 12/05/96 00
0410165799 06 02/01/97 0
410165799 N 01/01/07
0
1548798 E22/G02 F 20,900.00 ZZ
180 20,590.61 1
817 S FALCON ST 7.875 198.23 95
7.625 198.23 22,000.00
1
SOUTH BEND IN 46619 1 12/09/96 10
0410165815 05 02/01/97 30
410165815 O 01/01/12
0
1548815 E22/G02 F 54,000.00 ZZ
180 53,291.61 2
11608-10 EAST LEXINGTON AVENUE 9.250 555.76 90
9.000 555.76 60,000.00
SUGAR CREEK MO 64054 1 12/27/96 04
0410308829 05 02/01/97 25
410308829 N 01/01/12
0
1548853 E38/G02 F 130,000.00 ZZ
180 128,217.37 4
1805 SOUTH 440 WEST 8.750 1,299.28 65
8.500 1,299.28 201,000.00
WOODS CROSS UT 84087 5 12/20/96 00
0430122986 05 02/01/97 0
960725 N 01/01/12
0
1548978 E22/G02 F 61,000.00 ZZ
180 60,144.94 1
69 MAPLE AVENUE 8.500 600.69 34
8.250 600.69 183,956.00
WEST ORANGE NJ 07052 2 12/20/96 00
0410256853 05 02/01/97 0
410256853 O 01/01/12
0
1549145 A38/G02 F 71,000.00 ZZ
120 69,851.91 1
330 PRIVATE ROAD 915 8.375 875.56 50
8.125 875.56 142,500.00
GEORGETOWN TX 78627 2 02/04/97 00
0430154427 05 04/01/97 0
690982 O 03/01/07
0
1549148 526/G02 F 22,500.00 ZZ
180 22,073.84 1
23314 PEBWORTH PLACE 9.375 233.26 90
9.125 233.26 25,000.00
SPRING TX 77373 1 11/22/96 10
0430115709 03 01/01/97 25
0157190 N 12/01/11
0
1
1549161 526/G02 F 154,000.00 ZZ
180 151,911.43 1
44 WALTON DRIVE 8.875 1,550.54 72
8.625 1,550.54 214,000.00
MAHOPAC NY 10541 1 12/13/96 00
0430147744 05 02/01/97 0
0157754 O 01/01/12
0
1549178 286/286 F 26,000.00 ZZ
180 25,642.72 1
102 LEANDER DR 8.750 259.86 36
8.500 259.86 74,000.00
TOLEDO OH 43615 5 12/09/96 00
0008578218 05 02/01/97 0
0008578218 N 01/01/12
0
1549222 927/G02 F 80,250.00 ZZ
180 79,062.00 1
4436 EAST TANGLEWOOD DRIVE 7.875 761.14 75
7.625 761.14 107,000.00
PHOENIX AZ 85044 1 12/18/96 00
0430119628 03 02/01/97 0
252379 O 01/01/12
0
1549231 F30/G02 F 38,500.00 ZZ
180 37,960.35 1
3143 PORTER AVENUE 8.500 379.12 70
8.250 379.12 55,000.00
OGDEN UT 84403 5 12/18/96 00
0430114702 05 02/01/97 0
102947 N 01/01/12
0
1549271 737/G02 F 105,000.00 ZZ
180 103,575.96 1
211 NORTH SHIELDS STREET 8.875 1,057.19 41
8.625 1,057.19 260,000.00
FORT COLLINS CO 80521 5 12/16/96 00
0430123950 05 02/01/97 0
573011 N 01/01/12
0
1549337 700/G02 F 51,500.00 ZZ
180 50,924.53 1
1
9318 TESSON FERRY 8.500 507.14 65
8.250 507.14 80,000.00
AFFTON MO 63123 5 01/06/97 00
0430125161 05 03/01/97 0
122937 N 02/01/12
0
1549391 B35/G02 F 66,600.00 ZZ
180 65,872.03 2
507 NORTH 21ST STREET 8.750 665.64 90
8.500 665.64 74,000.00
RICHMOND VA 23223 1 01/27/97 01
0430137943 05 03/01/97 25
9682011409 N 02/01/12
0
1549411 757/757 F 128,800.00 ZZ
180 127,328.72 3
130 132 134 HIGHLAND PARK DR 8.250 1,249.55 80
8.000 1,249.55 161,000.00
ATHENS GA 30605 1 01/03/97 10
2879587 05 03/01/97 12
2879587 N 02/01/12
0
1549457 560/560 F 55,000.00 ZZ
180 54,101.53 3
623 ROBESON STREET 8.875 553.77 39
8.625 553.77 142,000.00
FALL RIVER MA 02720 5 11/22/96 00
450578612 05 01/01/97 0
450578612 N 12/01/11
0
1549458 377/377 F 43,450.00 ZZ
180 42,854.13 1
1421 RUFFIN STREET 8.750 434.27 55
8.500 434.27 79,000.00
DURHAM NC 27701 1 01/02/97 00
6163067 05 02/01/97 0
6163067 N 01/01/12
0
1549531 637/G02 F 183,000.00 ZZ
180 180,932.47 1
9358 LAKEVIEW DRIVE 8.375 1,788.69 78
8.125 1,788.69 234,599.00
FOLEY AL 36535 4 01/22/97 00
0430146134 05 03/01/97 0
1
3007713 O 02/01/12
0
1549587 286/286 F 36,000.00 ZZ
180 35,506.31 1
620 CHICAMAUGA AVE 8.750 359.81 90
8.500 359.81 40,000.00
KNOXVILLE TN 37917 1 12/18/96 10
0008437408 05 02/01/97 25
0008437408 N 01/01/12
0
1549595 E22/G02 F 32,500.00 ZZ
180 32,068.87 3
309 SW 93RD STREET 9.125 332.06 65
8.875 332.06 50,000.00
OKLAHOMA CITY OK 73139 5 12/20/96 00
0410288872 05 02/01/97 0
410288872 N 01/01/12
0
1549597 E22/G02 F 55,600.00 ZZ
180 54,555.06 1
126 32 1/4 LANE 8.500 547.52 80
8.250 547.52 69,500.00
PUEBLO CO 81006 5 12/13/96 00
0410309728 05 02/01/97 0
410309728 O 01/01/12
0
1549622 E22/G02 F 147,900.00 ZZ
180 145,803.99 1
363 BOLIN COURT 8.375 1,445.61 80
8.125 1,445.61 184,900.00
CARMEL IN 46032 1 12/19/96 00
0410167217 05 02/01/97 0
410167217 O 01/01/12
0
1549625 E22/G02 F 37,050.00 ZZ
180 36,558.51 3
305 SW 93RD STREET 9.125 378.55 65
8.875 378.55 57,000.00
OKLAHOMA CITY OK 73139 5 12/20/96 00
0410288880 09 02/01/97 0
410288880 N 01/01/12
0
1
1549629 E22/G02 F 59,500.00 ZZ
180 58,528.08 1
507 EAST 54TH STREET 8.875 599.07 70
8.625 599.07 85,000.00
AUSTIN TX 78751 5 11/22/96 00
0410261978 05 01/01/97 0
410261978 N 12/01/11
0
1549634 E22/G02 F 32,500.00 ZZ
180 32,068.87 3
401 SW 93RD STREET 9.125 332.06 65
8.875 332.06 50,000.00
OKLAHOMA CITY OK 73139 5 12/20/96 00
0410288864 09 02/01/97 0
410288864 N 01/01/12
0
1549644 E22/G02 F 109,500.00 ZZ
180 107,931.13 1
1419 RANCH HILL DRIVE 8.250 1,062.30 80
8.000 1,062.30 136,950.00
IRVING TX 75063 1 12/19/96 00
0410326177 03 02/01/97 0
410326177 O 01/01/12
0
1549646 E22/G02 F 172,500.00 ZZ
180 170,134.56 4
27 ORCHARD STREET 8.750 1,724.05 75
8.500 1,724.05 230,000.00
SUMMIT NJ 07901 1 12/31/96 00
0410255152 05 02/01/97 0
410255152 N 01/01/12
0
1549650 E22/G02 F 184,000.00 ZZ
180 181,363.69 2
1308 RHODE ISLAND AVENUE NWEST 8.250 1,785.06 46
8.000 1,785.06 400,000.00
WASHINGTON DC 20009 2 12/31/96 00
0410338214 05 02/01/97 0
410338214 N 01/01/12
0
1549719 638/G02 F 53,100.00 ZZ
180 52,532.34 1
6526 TORRESDALE AVENUE 9.000 538.58 90
8.750 538.58 59,000.00
1
PHILADELPHIA PA 19135 1 01/24/97 04
0430148833 09 03/01/97 25
08616876 N 02/01/12
0
1549736 480/G02 F 23,050.00 ZZ
180 22,747.62 1
1008 CORONA ST #302 9.250 237.23 65
9.000 237.23 35,500.00
DENVER CO 80218 1 01/06/97 00
0430123315 08 02/01/97 0
1942432 N 01/01/12
0
1549743 180/G02 F 47,800.00 ZZ
180 47,277.52 1
4215 GENTLE SPRINGS DRIVE 8.750 477.74 75
8.500 477.74 63,800.00
ARLINGTON TX 76017 1 01/27/97 00
0430167478 05 03/01/97 0
4617742 N 02/01/12
0
1549795 G80/225 F 60,000.00 ZZ
180 59,344.20 1
31 CARLIN STREET 8.750 599.67 27
8.500 599.67 230,000.00
NORWALK CT 06851 5 01/24/97 00
803329100 05 03/01/97 0
803329100 O 02/01/12
0
1549984 201/G02 F 55,650.00 ZZ
180 54,869.92 2
6373 TOWN LINE ROAD 8.500 548.01 85
COUNTY OF GENESEE 8.250 548.01 65,500.00
BYRON NY 14422 1 12/24/96 04
0430122770 05 02/01/97 20
2800943264 N 01/01/12
0
1550052 E22/G02 F 92,000.00 ZZ
180 90,377.97 1
16908 DASHWOOD CREEK 8.000 879.20 80
7.750 879.20 115,000.00
PFLUGERVILLE TX 78660 1 11/18/96 00
0410287825 03 01/01/97 0
410287825 O 12/01/11
0
1
1550089 E22/G02 F 200,000.00 ZZ
180 197,227.12 1
913 CALLE ARCO 8.625 1,984.16 35
8.375 1,984.16 575,000.00
SANTA FE NM 87501 5 12/27/96 00
0410269153 05 02/01/97 0
410269153 O 01/01/12
0
1550095 E22/G02 F 49,000.00 ZZ
180 47,461.43 1
1025 WHITESTONE LANE 7.875 464.74 70
7.625 464.74 70,000.00
DALLAS TX 75232 1 12/16/96 00
0410269245 05 02/01/97 0
410269245 O 01/01/12
0
1550102 E22/G02 F 35,200.00 ZZ
180 34,727.87 1
1965 S. OCEAN DR UNIT# 8L 9.000 357.02 80
8.750 357.02 44,000.00
HALLANDALE FL 33009 1 01/06/97 04
0410255004 06 02/01/97 20
410255004 N 01/01/12
0
1550110 927/G02 F 80,000.00 ZZ
180 78,841.20 1
1910 9TH AVENUE WEST 8.125 770.31 30
7.875 770.31 275,000.00
SEATTLE WA 98119 5 12/18/96 00
0430121905 05 02/01/97 0
288852 O 01/01/12
0
1550111 E22/G02 F 40,000.00 ZZ
180 39,355.19 1
RT 13 BOX 782 8.500 393.90 77
8.250 393.90 52,000.00
HUNTSVILLE TX 77340 2 12/23/96 10
0410289102 05 02/01/97 12
410289102 N 01/01/12
0
1550149 E22/G02 F 35,100.00 ZZ
180 34,654.73 1
1
697 CROSBY 9.625 369.17 90
9.375 369.17 39,000.00
AKRON OH 44312 1 12/18/96 04
0410166474 05 02/01/97 25
410166474 N 01/01/12
0
1550173 560/560 F 138,200.00 ZZ
180 136,538.35 1
148 COUNTY FARM ROAD 7.875 1,310.76 41
7.625 1,310.76 345,000.00
DOVER NH 03820 2 01/03/97 00
450619689 05 03/01/97 0
450619689 O 02/01/12
0
1550179 560/560 F 41,900.00 ZZ
180 41,306.16 1
79114 US HIGHWAY 40 NO 210E 8.375 409.55 70
8.125 409.55 59,900.00
WINTER PARK CO 80482 1 12/20/96 00
450604384 01 02/01/97 0
450604384 N 01/01/12
0
1550213 E22/G02 F 47,900.00 ZZ
180 47,217.46 1
730 N.HOWARD 8.500 471.69 60
8.250 471.69 81,000.00
FREEMONT NE 68025 1 12/20/96 00
0410267074 05 02/01/97 0
410267074 O 01/01/12
0
1550218 731/G02 F 32,000.00 ZZ
180 31,661.70 1
2340 E LAMONA AVENUE 9.125 326.95 80
8.875 326.95 40,000.00
FRESNO CA 93703 1 01/29/97 04
0430148502 05 03/01/97 12
110453260 N 02/01/12
0
1550237 526/G02 F 122,000.00 ZZ
180 120,271.03 1
4500 OAKVIEW LANE 8.375 1,192.46 72
8.125 1,192.46 170,000.00
BOWIE MD 20715 5 12/18/96 00
0430124313 05 02/01/97 0
1
160807 O 01/01/12
0
1550284 G80/225 F 153,000.00 ZZ
180 151,708.05 1
266 LAWRENCE ROAD 8.375 1,495.47 54
8.125 1,495.47 285,000.00
TRUMBULL CT 06611 5 01/28/97 00
803540400 05 04/01/97 0
803540400 O 03/01/12
0
1550307 E22/G02 F 35,550.00 ZZ
180 35,083.62 2
426 NORTH 2ND STREET 9.250 365.88 90
9.000 365.88 39,500.00
ELKHART IN 46516 1 12/27/96 04
0410167209 05 02/01/97 25
410167209 N 01/01/12
0
1550320 526/G02 F 62,900.00 ZZ
180 61,998.79 1
516 15TH STREET S.E. 8.250 610.22 85
8.000 610.22 74,000.00
MINOT ND 58701 5 12/13/96 12
0430125112 05 02/01/97 12
0156689 O 01/01/12
0
1550346 E22/G02 F 46,500.00 ZZ
180 45,890.01 1
1923 WINSTON AVENUE 9.250 478.57 61
9.000 478.57 77,000.00
LOUISVILLE KY 40205 2 01/07/97 00
0410338339 05 02/01/97 0
410338339 N 01/01/12
0
1550352 253/253 F 52,500.00 ZZ
180 51,795.81 1
115 ADAMS DR NE 9.000 532.49 70
8.750 532.49 75,000.00
LEESBURG VA 20176 5 12/23/96 00
324587 01 02/01/97 0
324587 N 01/01/12
0
1
1550396 144/144 F 175,000.00 ZZ
180 173,472.70 1
60 ANTON DRIVE 8.000 1,672.39 45
7.750 1,672.39 391,440.00
CARMEL NY 10542 4 02/12/97 00
088460960 05 04/01/97 0
088460960 O 03/01/12
0
1550453 B75/G02 F 35,000.00 ZZ
180 34,625.86 1
7901 MITCHUM DRIVE 9.000 354.99 42
8.750 354.99 85,200.00
AMARILLO TX 79121 1 01/27/97 00
0430154773 05 03/01/97 0
2737021 O 02/01/12
0
1550468 568/G02 F 125,450.00 T
180 123,175.54 1
149 BROKEN ROCK DRIVE 8.875 1,263.09 70
8.625 1,263.09 179,250.00
HENDERSON NV 89014 1 12/24/96 00
0430127977 03 02/01/97 0
808163 O 01/01/12
0
1550560 896/G02 F 84,000.00 ZZ
180 83,061.33 1
146 STONE MILL DRIVE 8.500 827.19 79
8.250 827.19 106,500.00
MARTINEZ GA 30907 2 01/07/97 00
0430135269 03 03/01/97 0
960572 O 02/01/12
0
1550561 918/G02 F 103,000.00 ZZ
180 102,139.85 4
3513 BEVERLY ROAD 8.500 1,014.28 51
8.250 1,014.28 205,000.00
BROOKLYN NY 11203 5 02/06/97 00
0430148536 05 04/01/97 0
11725 O 03/01/12
0
1550655 E22/G02 F 36,750.00 ZZ
180 36,042.74 1
PARK ROAD #53 UNIT 205A CASA 8.875 370.02 75
8.625 370.02 49,000.00
1
PORT ARANSAS TX 78373 1 12/17/96 00
0410312151 08 02/01/97 0
410312151 N 01/01/12
0
1550696 526/G02 F 48,600.00 ZZ
180 47,840.38 1
3512 SEDONA LOOP 9.375 503.84 90
9.125 503.84 54,000.00
TALLAHASSEE FL 32308 1 11/21/96 04
0430127944 09 01/01/97 25
0155783 N 12/01/11
0
1550708 526/G02 F 56,800.00 ZZ
180 55,882.29 1
3706 DEATS ROAD 9.000 576.11 80
8.750 576.11 71,000.00
DICKINSON TX 77539 2 11/20/96 00
0430169243 05 01/01/97 0
133211 O 12/01/11
0
1550712 638/G02 F 49,000.00 ZZ
180 48,481.98 1
8881 FONTAINBLEAU BLVD #506 9.125 500.64 70
8.875 500.64 70,000.00
MIAMI FL 33172 5 01/31/97 00
0430150383 08 03/01/97 0
8619274 N 02/01/12
0
1550799 A38/G02 F 70,950.00 ZZ
180 70,148.42 1
30105 BRIARCREST COURT 8.375 693.48 47
8.125 693.48 153,500.00
GEORGETOWN TX 78628 2 01/24/97 00
0430145433 05 03/01/97 0
691001 O 02/01/12
0
1550800 526/G02 F 44,000.00 ZZ
180 43,343.43 1
5270 13TH AVENUE NORTH 9.125 449.56 90
8.875 449.56 48,900.00
ST. PETERSBURG FL 33710 1 12/17/96 10
0430124289 05 02/01/97 25
159746 N 01/01/12
0
1
1550840 526/G02 F 27,450.00 ZZ
180 27,078.67 2
1042-1044 EAST 146TH STREET 9.000 278.42 90
8.750 278.42 30,500.00
CLEVELAND OH 44110 1 12/16/96 04
0430124271 05 02/01/97 30
159070 N 01/01/12
0
1550846 G87/G02 F 37,800.00 ZZ
180 37,377.61 1
170 NORTH 1150 WEST 8.500 372.23 44
8.250 372.23 86,000.00
VERNAL UT 84078 5 01/24/97 00
0430134031 05 03/01/97 0
101928 O 02/01/12
0
1550872 E22/G02 F 58,400.00 T
180 57,607.96 1
231 174TH STREET UNIT 1905 8.875 588.00 80
8.625 588.00 73,000.00
MIAMI BEACH FL 33160 1 12/26/96 95
0410255525 06 02/01/97 0
410255525 O 01/01/12
0
1550894 286/286 F 24,750.00 ZZ
180 24,023.94 1
21 MILL ST 8.500 243.73 55
8.250 243.73 45,000.00
PUTNAM CT 06260 1 01/03/97 00
0008366789 05 03/01/97 0
0008366789 N 02/01/12
0
1550949 405/405 F 232,500.00 ZZ
180 229,058.28 1
1506 HIGHWAY 32 7.875 2,205.15 75
7.625 2,205.15 310,000.00
BOLIVAR MO 65613 2 12/19/96 00
4074514 05 02/01/97 0
4074514 O 01/01/12
0
1550974 405/405 F 88,200.00 ZZ
180 86,950.03 1
1
4763 HICKORY COURT 8.375 862.09 90
8.125 862.09 98,000.00
LILBURN GA 30247 1 12/27/96 04
004089918 05 02/01/97 25
004089918 N 01/01/12
0
1551004 638/G02 F 44,550.00 ZZ
180 44,063.08 1
409 NELL DEANE BOULEVARD 8.750 445.25 80
8.500 445.25 55,700.00
SCHERTZ TX 78154 1 01/24/97 00
0430139626 05 03/01/97 0
08618987 O 02/01/12
0
1551021 201/G02 F 90,000.00 ZZ
180 88,269.81 1
19 MARRIOTT DRIVE 8.500 886.27 68
COUNTY OF BURLINGTON 8.250 886.27 133,999.00
LUMBERTON HAINE NJ 08060 5 12/30/96 00
0430163915 05 02/01/97 0
1400951529 N 01/01/12
0
1551031 561/G02 F 31,500.00 ZZ
180 31,072.78 1
4054 BRETON STREET 8.875 317.16 90
8.625 317.16 35,000.00
INDIANAPOLIS IN 46222 1 12/20/96 10
0430127761 05 02/01/97 25
8945842 N 01/01/12
0
1551047 E22/G02 F 49,500.00 ZZ
180 48,780.07 2
6205-6207 PASTEUR ST 9.500 516.89 90
9.250 516.89 55,000.00
NEW ORLEANS LA 70122 1 12/31/96 01
0410310049 05 02/01/97 25
410310049 N 01/01/12
0
1551067 E22/G02 F 65,000.00 ZZ
180 64,241.10 1
2788 ESAW STREET 8.000 621.17 26
7.750 621.17 252,500.00
MINDEN NV 89423 5 01/06/97 00
0410275655 05 03/01/97 0
1
410275655 O 02/01/12
0
1551089 E45/G02 F 115,700.00 ZZ
180 114,392.83 1
1907 EAGLE RIDGE BLVD 8.375 1,130.88 80
8.125 1,130.88 144,650.00
PALM HARBOR FL 34685 1 01/10/97 00
0430137422 05 03/01/97 0
UNKNOWN O 02/01/12
0
1551092 105/G02 F 52,100.00 T
180 51,328.78 1
108 MOCKINGBIRD LANE 7.875 494.14 60
7.625 494.14 87,000.00
RUIDOSO NM 88345 1 12/13/96 00
0430135111 05 02/01/97 0
928523 O 01/01/12
0
1551104 480/G02 F 27,950.00 ZZ
180 27,583.34 1
1008 CORONA ST #407 9.250 287.66 65
9.000 287.66 43,000.00
DENVER CO 80218 1 01/06/97 00
0430128843 08 02/01/97 0
1942457 N 01/01/12
0
1551116 E09/G02 F 121,500.00 ZZ
180 119,681.86 1
6520 PEPPERMILL DRIVE 7.750 1,143.65 75
7.500 1,143.65 162,000.00
LAS VEGAS NV 89102 1 12/27/96 00
0430126144 05 02/01/97 0
010002473 N 01/01/12
0
1551117 E09/G02 F 108,750.00 ZZ
180 107,122.63 1
6348 VICUNA DRIVE 7.750 1,023.64 75
7.500 1,023.64 145,000.00
LAS VEGAS NV 89102 1 12/27/96 00
0430126094 05 02/01/97 0
01002474 N 01/01/12
0
1
1551155 E22/G02 F 198,000.00 ZZ
180 192,431.07 1
8 ORCHARD LANE 7.875 1,877.93 59
7.625 1,877.93 340,000.00
FAIRFIELD NJ 07004 2 01/08/97 00
0410255293 05 03/01/97 0
410255293 O 02/01/12
0
1551182 E22/G02 F 91,350.00 ZZ
180 90,026.89 1
15710 CONE ROAD 8.250 886.22 80
8.000 886.22 114,200.00
MAYBEE MI 48139 2 12/27/96 00
0410164685 05 02/01/97 0
410164685 O 01/01/12
0
1551186 E22/G02 F 37,850.00 ZZ
180 37,336.67 1
US HIGHWAY 361 #405 8.875 381.09 75
8.625 381.09 50,500.00
CORPUS CHRISTI TX 78418 1 12/26/96 00
0410322283 06 02/01/97 0
410322283 N 01/01/12
0
1551222 405/405 F 160,000.00 ZZ
180 157,657.05 1
HC 12 BOX 92I 8.000 1,529.05 37
7.750 1,529.05 435,000.00
FREDERICKSBURG TX 78624 2 12/23/96 00
4082152 05 02/01/97 0
4082152 O 01/01/12
0
1551229 638/G02 F 117,000.00 ZZ
180 115,735.26 1
1803 WIND DRIFT ROAD 8.875 1,178.01 75
8.625 1,178.01 156,000.00
ORLANDO FL 32809 1 01/31/97 00
0430150458 05 03/01/97 0
08619991 O 02/01/12
0
1551248 927/G02 F 50,000.00 ZZ
180 49,447.38 1
3746 JACKSON STREET 8.625 496.05 79
8.375 496.05 64,000.00
1
DENVER CO 80205 2 01/31/97 10
0430153155 01 03/01/97 30
292540 N 02/01/12
0
1551292 B75/G02 F 45,800.00 ZZ
180 45,395.87 1
71 SHADY RIVER CIRCLE 7.875 434.39 24
7.625 434.39 198,000.00
SACRAMENTO CA 95831 2 02/04/97 00
0430165167 05 04/01/97 0
2782126 O 03/01/12
0
1551354 737/G02 F 54,750.00 ZZ
180 54,158.16 1
9601 W CHATFIELD AVE #C 8.875 551.25 75
8.625 551.25 73,000.00
LITTLETON CO 80123 1 01/31/97 00
0430157271 05 03/01/97 0
573126 N 02/01/12
0
1551360 B28/G02 F 112,000.00 ZZ
180 110,560.87 1
628 ALARID STREET 8.750 1,119.39 70
8.500 1,119.39 160,000.00
SANTA FE NM 87501 5 01/28/97 00
0430148700 05 03/01/97 0
05970048 N 02/01/12
0
1551940 E22/G02 F 90,000.00 ZZ
180 89,059.11 3
11 CHESTNUT STREET 9.250 926.27 65
9.000 926.27 140,000.00
EAST ORANGE NJ 07019 5 01/09/97 00
0410253603 05 03/01/97 0
410253603 N 02/01/12
0
1551977 637/G02 F 48,750.00 ZZ
180 48,211.27 1
790 CHELSEA AVENUE NORTHEAST 8.000 465.88 65
7.750 465.88 75,000.00
PALM BAY FL 32905 5 02/14/97 00
0430162479 05 04/01/97 0
9529606 N 03/01/12
0
1
1552001 A26/G02 F 260,000.00 ZZ
180 257,852.66 1
1316 AVENUE T 8.625 2,579.41 75
8.375 2,579.41 350,000.00
BROOKLYN NY 11229 5 02/06/97 00
0430154872 05 04/01/97 0
8178 O 03/01/12
0
1552073 G81/G02 F 87,600.00 ZZ
180 86,852.11 1
10915 SW 38 TERRACE 8.250 849.84 80
8.000 849.84 109,500.00
MIAMI FL 33165 1 02/06/97 00
0430148684 09 04/01/97 0
021701048 O 03/01/12
0
1552078 E08/G02 F 112,000.00 ZZ
180 111,115.32 4
474 480 EAST 24 STREET 9.125 1,144.33 80
8.875 1,144.33 140,000.00
HIALEAH FL 33013 1 02/18/97 10
0430156075 05 04/01/97 12
UNKNOWN N 03/01/12
0
1552105 253/253 F 86,400.00 ZZ
180 78,536.93 1
1801 AUTUMN RIDGE LANE 8.375 844.50 80
8.125 844.50 108,000.00
GRAPEVINE TX 76051 1 01/02/97 04
324555 05 02/01/97 12
324555 N 01/01/12
0
1552116 911/G02 F 65,000.00 ZZ
120 63,977.67 1
5741 W 3 CT 8.875 819.00 44
8.625 819.00 150,000.00
HIALEAH FL 33012 5 02/10/97 00
0430152942 05 04/01/97 0
UNKNOWN O 03/01/07
0
1552136 E22/G02 F 71,900.00 ZZ
180 70,858.55 1
1
15310 GOODMAN STREET 8.125 692.31 80
7.875 692.31 89,900.00
HOUSTON TX 77084 1 12/31/96 00
0410258164 09 02/01/97 0
410258164 O 01/01/12
0
1552137 E22/G02 F 225,000.00 ZZ
180 221,914.65 1
807 PLAINWOOD DRIVE 8.750 2,248.76 70
8.500 2,248.76 322,211.00
HOUSTON TX 77079 2 12/26/96 00
0410278873 03 02/01/97 0
410278873 O 01/01/12
0
1552142 E22/G02 F 86,500.00 ZZ
180 85,300.73 1
1212 EDGEWOOD BLVD 8.625 858.15 83
8.375 858.15 105,000.00
PAPILLION NE 68128 2 12/05/96 04
0410178354 05 02/01/97 20
410178354 N 01/01/12
0
1552151 E22/G02 F 65,000.00 ZZ
180 64,128.72 1
326 WEST HORNBEAM DR 8.375 635.33 45
8.125 635.33 147,000.00
LONGWOOD FL 32779 1 01/15/97 00
0410337091 03 03/01/97 0
410337091 O 02/01/12
0
1552159 E22/G02 F 52,500.00 ZZ
180 51,932.51 1
9370 ECKERMAN ROAD 8.875 528.59 70
8.625 528.59 75,000.00
ROSEVILLE CA 95661 5 01/10/97 00
0410276505 05 03/01/97 0
410276505 N 02/01/12
0
1552170 E22/G02 F 122,000.00 ZZ
180 120,606.43 1
1434 SARRIA AVENUE 8.250 1,183.57 27
8.000 1,183.57 460,000.00
CORAL GABLES FL 33146 5 01/10/97 00
0410255129 05 03/01/97 0
1
410255129 O 02/01/12
0
1552211 964/G02 F 100,850.00 ZZ
180 99,413.99 1
4352 COYOTE CREST COURT 8.500 993.11 75
8.250 993.11 134,500.00
LAS VEGAS NV 89117 1 12/26/96 00
0430127654 05 02/01/97 0
22019 N 01/01/12
0
1552234 B35/G02 F 155,550.00 ZZ
180 153,772.23 1
1641 INGLESIDE AVENUE 8.500 1,531.77 85
8.250 1,531.77 183,000.00
PERRYVILLE MD 21903 5 02/03/97 01
0430146118 05 03/01/97 12
9682011410 O 02/01/12
0
1552236 526/G02 F 66,500.00 ZZ
180 65,577.00 2
4455 EAST 3RD STREET 9.250 684.42 70
9.000 684.42 95,000.00
TUCSON AZ 85711 5 12/06/96 00
0430137919 05 02/01/97 0
0158952 N 01/01/12
0
1552237 G28/G02 F 97,000.00 ZZ
180 96,011.34 1
26235 OBER AVENUE 7.875 920.00 36
7.625 920.00 275,500.00
LOMITA CA 90717 2 02/11/97 00
0430151522 05 04/01/97 0
1552237 N 03/01/12
0
1552250 180/G02 F 39,100.00 ZZ
180 38,672.65 1
731 OLIN AVENUE 8.750 390.78 85
8.500 390.78 46,000.00
INDIANAPOLIS IN 46222 5 01/31/97 23
0430155986 05 03/01/97 0
4670329 O 02/01/12
0
1
1552261 G80/225 F 77,200.00 ZZ
180 76,555.29 1
5515 BRADLEY COURT 8.500 760.22 75
8.250 760.22 103,000.00
ARLINGTON TX 76018 2 02/07/97 00
803529000 05 04/01/97 0
803529000 N 03/01/12
0
1552407 F03/G02 F 94,500.00 ZZ
180 93,710.81 1
7970 EAST PHILLIPS CIRCLE 8.500 930.58 70
8.250 930.58 135,000.00
ENGLEWOOD CO 80111 5 02/03/97 00
0430150128 05 04/01/97 0
DEN10489 N 03/01/12
0
1552413 F03/G02 F 84,000.00 ZZ
180 83,298.49 1
13174 MERCURY DRIVE 8.500 827.19 70
8.250 827.19 120,000.00
LITTLETON CO 80124 5 02/03/97 00
0430150326 05 04/01/97 0
DEN10487 N 03/01/12
0
1552417 B75/G02 F 108,000.00 ZZ
180 106,447.46 1
1441 NORTH DIANE CIRCLE 8.250 1,047.75 80
8.000 1,047.75 135,000.00
MESA AZ 85203 1 01/06/97 00
0430140855 05 03/01/97 0
2717304 O 02/01/12
0
1552419 E22/G02 F 78,750.00 ZZ
180 77,870.03 1
75-6100 ALLI DR. UNIT #E-32 8.500 775.48 75
8.250 775.48 105,000.00
KAILUA-KONA HI 96740 1 01/09/97 00
0410345623 01 03/01/97 0
410345623 O 02/01/12
0
1552423 E22/G02 F 350,000.00 ZZ
180 345,604.21 1
6853 DOMINGO DRIVE 8.625 3,472.28 70
8.375 3,472.28 500,000.00
1
RANCHO MURIETA CA 95683 5 01/13/97 00
0410276273 03 03/01/97 0
410276273 O 02/01/12
0
1552449 E22/G02 F 54,700.00 ZZ
180 54,102.12 1
7938 PRONGHORN DRIVE 8.750 546.70 75
8.500 546.70 73,000.00
SPRING BRANCH TX 78070 2 01/07/97 00
0410262802 05 03/01/97 0
410262802 O 02/01/12
0
1552452 E22/G02 F 20,600.00 ZZ
180 20,372.27 1
3033 HATHERLY AVENUE 8.750 205.89 75
8.500 205.89 27,500.00
FLINT MI 48504 1 01/13/97 00
0410343420 05 03/01/97 0
410343420 N 02/01/12
0
1552731 225/225 F 107,600.00 ZZ
180 106,660.89 1
832 SNAPDRAGON LANE 8.000 1,028.29 79
7.750 1,028.29 137,000.00
PLANO TX 75075 2 02/24/97 00
803624800 05 04/01/97 0
803624800 O 03/01/12
0
1552750 369/G02 F 140,000.00 ZZ
180 137,972.11 1
6511 SHORELINE DRIVE 8.125 1,348.04 80
7.875 1,348.04 175,000.00
LITTLE ELM TX 75068 1 12/20/96 00
0430137430 05 02/01/97 0
0049941321 O 01/01/12
0
1552752 B23/G02 F 86,000.00 ZZ
180 85,049.56 1
6836 HANNON STREET 8.625 853.19 59
8.375 853.19 146,000.00
BELL GARDENS CA 90201 5 01/23/97 00
0430142406 05 03/01/97 0
88001678 O 02/01/12
0
1
1552757 560/560 F 92,000.00 T
180 90,696.14 1
251 GOVERNOR WENTWORTH 8.375 899.24 70
HIGHWAY 8.125 899.24 132,000.00
MOULTONBOROUGH NH 03254 5 12/16/96 00
450600390 05 02/01/97 0
450600390 O 01/01/12
0
1552820 E22/G02 F 14,000.00 ZZ
180 13,820.72 1
1406 WACO AVENUE 10.000 150.44 80
9.750 150.44 17,500.00
WICHITA KS 67213 1 12/27/96 10
0410311849 05 02/01/97 12
410311849 N 01/01/12
0
1552836 E22/G02 F 86,500.00 ZZ
180 85,300.73 1
1210 EDGEWOOD BLVD 8.625 858.15 83
8.375 858.15 105,000.00
PAPILLION NE 68128 2 12/05/96 04
0410176796 05 02/01/97 20
410176796 N 01/01/12
0
1552955 757/757 F 46,900.00 ZZ
180 46,200.08 1
201 DYCHES DRIVE 8.500 461.85 70
8.250 461.85 67,000.00
SAVANNAH GA 31406 5 01/13/97 00
2879658 05 03/01/97 0
2879658 O 02/01/12
0
1552979 227/G02 F 235,000.00 ZZ
180 232,315.66 1
213-02 33RD ROAD 8.250 2,279.83 58
8.000 2,279.83 410,000.00
BAYSIDE NY 11361 1 01/17/97 00
0430132258 05 03/01/97 0
1690777 O 02/01/12
0
1553013 B75/G02 F 41,500.00 ZZ
180 41,031.15 1
1
166 WILLIAMSBURG ROAD 8.375 405.63 69
8.125 405.63 61,000.00
COUNTRY CLUB HI IL 60478 2 01/14/97 00
0430140178 09 03/01/97 0
2755379 O 02/01/12
0
1553015 F34/G02 F 185,000.00 ZZ
180 183,437.87 1
5780 SW 53 TERRACE 8.375 1,808.24 73
8.125 1,808.24 255,000.00
MIAMI FL 33155 2 02/04/97 00
0430149146 05 04/01/97 0
9700038 O 03/01/12
0
1553036 747/G02 F 32,000.00 ZZ
180 31,732.76 1
206 BENNINGTON DRIVE 8.500 315.12 30
1-2 8.250 315.12 109,000.00
NAPLES FL 34104 5 02/05/97 00
0430156315 01 04/01/97 0
173846 O 03/01/12
0
1553417 E22/G02 F 106,850.00 ZZ
180 105,187.31 1
705 EAST 12 1/2 AVENUE 8.250 1,036.59 80
8.000 1,036.59 133,600.00
HOUSTON TX 77008 1 12/31/96 00
0410321772 05 02/01/97 0
410321772 O 01/01/12
0
1553428 180/G02 F 34,400.00 ZZ
180 34,095.93 1
747 WEST 96TH AVENUE 8.625 341.28 80
#3-2 8.375 341.28 43,000.00
THORNTON CO 80221 2 02/19/97 10
0430232017 01 04/01/97 12
4743738 N 03/01/12
0
1553429 A46/G02 F 36,000.00 ZZ
180 35,699.36 1
616 GENERAL SENTER DRIVE 8.500 354.51 90
8.250 354.51 40,000.00
MIDWEST CITY OK 73110 1 02/03/97 10
0430162909 05 04/01/97 30
1
UNKNOWN N 03/01/12
0
1553430 560/560 F 187,400.00 ZZ
180 185,782.31 1
1215 WEYMOUTH ROAD 8.125 1,804.45 64
7.875 1,804.45 295,000.00
WYNNEWOOD PA 19096 5 02/24/97 00
459080107 05 04/01/97 0
459080107 O 03/01/12
0
1553460 526/G02 F 40,500.00 ZZ
180 39,950.68 1
1427 OAKLEY AVENUE 8.875 407.78 90
8.625 407.78 45,000.00
BURLEY ID 83318 1 12/30/96 04
0430148163 05 02/01/97 25
0158272 N 01/01/12
0
1553466 E19/G02 F 168,000.00 ZZ
180 160,681.26 1
17762 QUINTANA LANE 8.500 1,654.36 68
8.250 1,654.36 250,000.00
HUNTINGTON BEAC CA 92647 5 01/22/97 00
0430148460 05 03/01/97 0
100017777 N 02/01/12
0
1553487 G80/225 F 86,000.00 ZZ
180 85,255.83 4
7042-48 WOODSON 8.750 859.53 69
8.500 859.53 125,000.00
RAYTOWN MO 64133 2 03/03/97 00
803577600 05 04/01/97 0
803577600 N 03/01/12
0
1553502 E22/G02 F 90,000.00 ZZ
180 88,967.72 1
8244 BEACH STREET 8.625 892.87 75
8.375 892.87 120,000.00
LOS ANGELES CA 90001 5 01/14/97 00
0410291538 05 03/01/97 0
410291538 O 02/01/12
0
1
1553513 E22/G02 F 91,400.00 ZZ
180 90,389.88 1
3228 SOUTH CHERRY STREET 8.625 906.76 74
8.375 906.76 125,000.00
DENVER CO 80222 5 01/17/97 00
0410338883 05 03/01/97 0
410338883 O 02/01/12
0
1553522 E22/G02 F 45,000.00 ZZ
180 44,502.66 2
105/107 ALLEN DRIVE 8.625 446.44 67
8.375 446.44 68,000.00
MOORESVILLE IN 46158 1 01/17/97 00
0410343594 05 03/01/97 0
410343594 O 02/01/12
0
1553527 G80/225 F 112,000.00 ZZ
180 108,637.19 4
9414 20 E 55TH STREET 8.750 1,119.39 70
8.500 1,119.39 160,000.00
RAYTOWN MO 64133 2 03/03/97 00
803577400 05 04/01/97 0
803577400 N 03/01/12
0
1553531 G80/225 F 26,000.00 ZZ
180 25,787.62 1
6908 RAYTOWN ROAD 8.750 259.86 52
8.500 259.86 50,000.00
RAYTOWN MO 64133 2 03/03/97 00
803578700 05 04/01/97 0
803578700 N 03/01/12
0
1553624 688/G02 F 37,900.00 ZZ
180 37,476.49 1
536 NORTH 17TH STREET 8.500 373.22 48
8.250 373.22 80,000.00
GRAND JUNCTION CO 81501 2 01/13/97 00
0430139030 05 03/01/97 0
0045757 N 02/01/12
0
1553710 140/G02 F 54,400.00 ZZ
180 53,818.46 1
4204 PARADIS LANE 9.000 551.76 80
8.750 551.76 68,000.00
1
KENNER LA 70065 1 01/20/97 11
0430141069 09 03/01/97 12
UNKNOWN N 02/01/12
0
1553724 B75/G02 F 92,000.00 ZZ
180 90,921.97 1
1727 CARTER LAKE DRIVE 8.500 905.96 80
8.250 905.96 115,000.00
COLLEGE STATION TX 77845 1 01/21/97 00
0430146670 05 03/01/97 0
2737302 O 02/01/12
0
1553737 253/253 F 50,000.00 ZZ
180 48,460.91 1
2718 GILMER AVENUE 8.250 485.08 77
8.000 485.08 65,000.00
ABILENE TX 79606 1 02/27/97 00
324872 05 04/01/97 0
324872 O 03/01/12
0
1553808 E22/G02 F 58,500.00 ZZ
180 57,324.84 1
10030 LAZY OAKS DRIVE 9.000 593.35 90
8.750 593.35 65,000.00
HOUSTON TX 77080 1 01/02/97 10
0410265870 05 02/01/97 25
410265870 N 01/01/12
0
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HOUSTON TX 77015 1 02/05/97 00
0430156158 03 04/01/97 0
2738375 O 03/01/12
0
1553833 526/G02 F 110,500.00 ZZ
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8439 SOUTH PRAIRIE AVENUE 9.000 1,120.77 85
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CHICAGO IL 60619 5 11/21/96 10
0430140525 05 01/01/97 12
150233 O 12/01/11
0
1
1553849 480/G02 F 23,700.00 ZZ
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DENVER CO 80218 1 01/22/97 00
0430141127 08 03/01/97 0
1942440 N 02/01/12
0
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4988 WHITED WAY 9.000 682.10 65
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LILBURN GA 30247 1 02/18/97 00
0430170522 05 04/01/97 0
23507 O 03/01/12
0
1553910 E22/G02 F 70,000.00 ZZ
180 68,986.05 2
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MIAMI FL 33145 1 12/20/96 00
0410256515 05 02/01/97 0
410256515 N 01/01/12
0
1553912 B77/G02 F 83,500.00 ZZ
180 83,279.34 3
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LYNN MA 01902 5 04/25/97 00
0430218115 05 06/01/97 0
97100135 N 05/01/12
0
1553922 E22/G02 F 49,000.00 ZZ
180 48,297.94 1
2060 EIGHTY - EIGHTY CIRC 8.250 475.37 80
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BEAUMONT TX 77707 2 01/06/97 04
0410268478 05 02/01/97 12
410268478 N 01/01/12
0
1554024 E22/G02 F 53,250.00 ZZ
180 52,674.42 1
1
2215 PEPPER ROAD 8.875 536.14 75
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WEST PALM BEACH FL 33415 5 01/22/97 00
0410339345 05 03/01/97 0
410339345 O 02/01/12
0
1554058 E22/G02 F 75,000.00 ZZ
180 73,432.22 1
1693 BRENTWOOD 9.000 760.70 68
8.750 760.70 110,500.00
TROY MI 48098 1 01/03/97 00
0410167621 01 03/01/97 0
410167621 O 02/01/12
0
1554120 G80/225 F 210,000.00 ZZ
180 202,655.77 1
4110 ROSELAND STREET 8.750 2,098.85 80
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HOUSTON TX 77006 1 01/03/97 14
803406300 05 03/01/97 12
803406300 N 02/01/12
0
1554137 560/560 F 26,100.00 ZZ
180 25,730.00 1
353 N SECOND STREET 8.750 260.86 90
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LEHIGHTON PA 18235 1 01/24/97 04
450628573 05 03/01/97 25
450628573 N 02/01/12
0
1554149 568/G02 F 111,200.00 ZZ
180 109,984.55 1
6051 JACINTO AVENUE 8.750 1,111.39 80
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SACRAMENTO CA 95823 1 01/16/97 00
0430141267 05 03/01/97 0
808228 O 02/01/12
0
1554167 201/G02 F 62,400.00 ZZ
180 61,710.37 1
10070 CEDARDALE DRIVE 8.625 619.06 80
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HOUSTON TX 77055 1 01/10/97 00
0430142174 05 03/01/97 0
1
7800961349 O 02/01/12
0
1554192 491/491 F 220,000.00 T
180 215,993.79 1
28014 QUAIL COURT 7.625 2,055.09 43
7.375 2,055.09 520,000.00
CARMEL CA 93923 5 11/22/96 00
0061494721 03 01/01/97 0
0061494721 O 12/01/11
0
1554219 E22/G02 F 57,000.00 ZZ
180 56,363.07 1
2303 HALCYON AVENUE 8.500 561.30 75
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BALTIMORE MD 21214 5 01/23/97 00
0410337265 05 03/01/97 0
410337265 O 02/01/12
0
1554221 E22/G02 F 46,800.00 ZZ
180 45,955.82 1
517 LAURINA STREET 9.500 488.70 90
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JACKSONVILLE FL 32216 1 01/28/97 04
0410340525 05 03/01/97 25
410340525 N 02/01/12
0
1554280 626/G02 F 98,500.00 ZZ
180 97,411.40 4
815 19TH STREET 8.625 977.20 43
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SACRAMENTO CA 95814 5 01/15/97 00
0430141689 05 03/01/97 0
6690432 N 02/01/12
0
1554297 560/560 F 27,250.00 ZZ
180 26,945.47 1
634 TISDALE AVENUE 8.500 268.35 70
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LANSING MI 48910 5 01/23/97 00
450627286 05 03/01/97 0
450627286 N 02/01/12
0
1
1554352 G80/225 F 36,000.00 ZZ
180 35,606.49 1
1001 WEST LAMAR STREET 8.750 359.81 83
8.500 359.81 43,400.00
MCKINNEY TX 75069 1 01/03/97 04
803387600 05 03/01/97 25
803387600 N 02/01/12
0
1554389 E22/G02 F 69,750.00 ZZ
180 68,996.04 1
817 PARK AVENUE 8.875 702.27 75
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SOUTH BEND IN 46616 5 01/17/97 00
0410343222 05 03/01/97 0
410343222 O 02/01/12
0
1554430 E22/G02 F 45,450.00 ZZ
180 44,974.84 1
2325 MANITOBA DRIVE 9.250 467.77 90
9.000 467.77 51,000.00
CORPUS CHRISTI TX 78418 1 01/17/97 01
0410310916 05 03/01/97 25
410310916 N 02/01/12
0
1554506 B93/G02 F 200,000.00 ZZ
180 197,561.13 1
5605 WEST PINNACLE HILL DRIVE 7.500 1,854.03 57
7.250 1,854.03 353,922.00
GLENDALE AZ 85310 1 01/17/97 00
0430153718 03 03/01/97 0
1000031278 O 02/01/12
0
1554633 687/G02 F 81,550.00 T
180 80,638.72 1
29876 LONG LAKE ROAD 8.500 803.06 73
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DANBURY WI 54830 5 01/06/97 00
0430139899 05 03/01/97 0
5E8486 O 02/01/12
0
1554718 E22/G02 F 132,000.00 ZZ
180 130,492.18 3
1003 NORTH 17 COURT 8.250 1,280.59 80
8.000 1,280.59 165,000.00
1
HOLLYWOOD FL 33020 5 01/27/97 00
0410347629 05 03/01/97 0
410347629 O 02/01/12
0
1554722 E22/G02 F 36,450.00 ZZ
180 36,051.59 2
1105 INDIANA AVENUE 8.750 364.30 55
8.500 364.30 66,300.00
LAPORTE IN 46350 5 01/14/97 00
0410278345 05 03/01/97 0
410278345 N 02/01/12
0
1554778 705/G02 F 47,500.00 ZZ
180 47,500.00 1
24 WAUWEPEX TRAIL 9.000 481.78 90
8.750 481.78 53,000.00
RIDGE NY 11961 1 05/12/97 01
0430229203 05 07/01/97 30
97300011 N 06/01/12
0
1554811 E22/G02 F 150,000.00 ZZ
180 148,305.31 1
205 BEAUMONT ROAD 8.375 1,466.14 62
8.125 1,466.14 245,000.00
SILVER SPRING MD 20904 2 01/30/97 00
0410340913 05 03/01/97 0
410340913 N 02/01/12
0
1554835 F30/G02 F 97,000.00 ZZ
180 96,449.79 1
319 OLIVE STREET 8.250 941.04 66
8.000 941.04 149,000.00
CASHMERE WA 98815 5 03/03/97 00
0430175588 05 05/01/97 0
10379 O 04/01/12
0
1554883 286/286 F 32,400.00 ZZ
180 31,942.84 1
516 S 9TH ST 8.625 321.44 90
8.375 321.44 36,000.00
HAMILTON OH 45011 1 12/31/96 10
0008582270 05 02/01/97 25
0008582270 N 01/01/12
0
1
1554910 F41/G02 F 67,600.00 ZZ
180 66,224.65 1
194 WEST SPRINGFIELD STREET #2 8.625 670.65 49
8.375 670.65 140,000.00
BOSTON MA 02118 5 02/28/97 00
0430170605 01 04/01/97 0
36517 N 03/01/12
0
1554964 965/G02 F 89,250.00 ZZ
180 88,040.18 1
8307 EAST ROSE LANE 8.250 865.85 85
8.000 865.85 105,000.00
SCOTTSDALE AZ 85250 5 01/27/97 01
0430150565 05 03/01/97 12
183256 O 02/01/12
0
1554983 E22/G02 F 105,000.00 ZZ
180 103,877.53 1
4207 BELLVUE AVENUE 9.000 1,064.98 75
8.750 1,064.98 140,000.00
AUSTIN TX 78756 2 01/20/97 00
0410324271 05 03/01/97 0
410324271 N 02/01/12
0
1554984 E22/G02 F 93,750.00 ZZ
180 92,747.82 1
4205 BELLVUE AVENUE 9.000 950.87 75
8.750 950.87 125,000.00
AUSTIN TX 78756 2 01/21/97 00
0410324263 05 03/01/97 0
410324263 N 02/01/12
0
1554986 E22/G02 F 103,500.00 ZZ
180 102,393.55 1
1617 OXFORD RD 9.000 1,049.77 90
8.750 1,049.77 115,000.00
LAWRENCE KS 66044 1 01/03/97 01
0410278451 05 03/01/97 25
410278451 N 02/01/12
0
1554987 E22/G02 F 153,750.00 ZZ
180 152,106.41 1
1
4201 BELLVUE AVENUE 9.000 1,559.43 75
8.750 1,559.43 205,000.00
AUSTIN TX 78756 2 01/21/97 00
0410324289 05 03/01/97 0
410324289 N 02/01/12
0
1555024 526/G02 F 39,100.00 ZZ
180 38,575.55 2
1406-1408 NORTH 2ND STREET 9.000 396.58 85
8.750 396.58 46,000.00
ST. JOSEPH MO 64505 1 12/31/96 12
0430152173 05 02/01/97 20
0160694 N 01/01/12
0
1555040 757/757 F 72,000.00 ZZ
180 71,195.42 1
532 VALLEY HILL ROAD 8.500 709.02 80
8.250 709.02 90,000.00
RIVERDALE GA 30274 1 01/31/97 00
2879732 05 03/01/97 0
2879732 O 02/01/12
0
1555045 757/757 F 33,500.00 ZZ
180 33,137.85 1
3812 CLARE COURT 8.875 337.30 38
8.625 337.30 90,000.00
DULUTH GA 30136 5 01/30/97 00
2879724 05 03/01/97 0
2879724 N 02/01/12
0
1555047 526/G02 F 89,250.00 ZZ
180 88,521.02 1
1750 SKIPPACK PIKE UNIT 303 8.750 892.01 85
8.500 892.01 105,000.00
CENTER SQUARE PA 19422 5 02/24/97 10
0430177410 09 04/01/97 12
0166005 O 03/01/12
0
1555104 765/G02 F 160,000.00 ZZ
180 158,172.34 1
9121 MESA WOODS AVENUE 8.250 1,552.23 80
8.000 1,552.23 200,000.00
SAN DIEGO CA 92126 1 01/16/97 00
0430146555 05 03/01/97 0
1
140252 O 02/01/12
0
1555128 E22/G02 F 45,500.00 ZZ
180 45,034.87 1
5433 KIAM 9.500 475.12 70
9.250 475.12 65,000.00
HOUSTON TX 77007 5 01/24/97 00
0410326284 05 03/01/97 0
410326284 N 02/01/12
0
1555131 E09/G02 F 99,000.00 ZZ
180 97,893.75 1
604 PAULSON DRIVE 8.500 974.89 90
8.250 974.89 110,000.00
LAS VEGAS NV 89123 1 01/27/97 10
0430143958 03 03/01/97 25
01002483 N 02/01/12
0
1555177 E22/G02 F 93,750.00 ZZ
180 92,747.82 1
4209 BELLVUE AVENUE 9.000 950.87 75
8.750 950.87 125,000.00
AUSTIN TX 78756 2 01/20/97 00
0410324339 05 03/01/97 0
410324339 N 02/01/12
0
1555188 E22/G02 F 24,500.00 ZZ
180 24,236.63 1
5431 KIAM 9.500 255.84 70
9.250 255.84 35,000.00
HOUSTON TX 77007 5 01/24/97 00
0410312011 05 03/01/97 0
410312011 N 02/01/12
0
1555218 180/G02 F 34,400.00 ZZ
180 33,997.95 1
613 PINE STREET 8.625 341.28 60
8.375 341.28 58,000.00
HURST TX 76053 2 02/24/97 00
0430177576 05 04/01/97 0
4656013 N 03/01/12
0
1
1555273 911/G02 F 77,200.00 T
180 73,209.25 1
9725 NW 52 STREET #202 7.250 704.73 75
7.000 704.73 102,990.00
MIAMI FL 33178 1 01/24/96 00
0430237990 08 03/01/96 0
2951118 O 02/01/11
0
1555293 526/G02 F 13,400.00 ZZ
180 13,204.11 1
807 OSAGE ST 9.250 137.91 90
9.000 137.91 14,900.00
LEAVENWORTH KS 66048 1 01/03/97 04
0430175786 05 02/01/97 25
0159471 N 01/01/12
0
1555333 992/G02 F 72,000.00 ZZ
180 71,195.42 1
8 MORRISON STREET 8.500 709.02 22
8.250 709.02 330,000.00
CLOSTER NJ 07624 5 01/24/97 00
0430146209 05 03/01/97 0
329461 O 02/01/12
0
1555366 076/076 F 75,000.00 ZZ
180 74,352.56 1
13519 LINDEN AVENUE N 8.125 722.17 60
7.875 722.17 125,000.00
SEATTLE WA 98133 1 02/03/97 00
7074480 01 04/01/97 0
7074480 O 03/01/12
0
1555396 B35/G02 F 53,350.00 ZZ
180 52,230.93 2
718 CHURCH STREET 8.500 525.36 55
8.250 525.36 97,000.00
ROYERSFORD PA 19468 5 02/25/97 00
0430160259 07 04/01/97 0
9782010093 N 03/01/12
0
1555404 450/450 F 359,000.00 ZZ
180 354,899.26 1
1591 HERONWOOD CT 8.250 3,482.80 55
8.000 3,482.80 653,900.00
1
BLOOMFIELD TWP MI 48302 1 01/31/97 00
4295697 05 03/01/97 0
4295697 O 02/01/12
0
1555420 F41/G02 F 104,300.00 ZZ
180 102,902.03 1
90 PARK STREET #38 8.625 1,034.74 32
8.375 1,034.74 330,000.00
BROOKLINE MA 02146 5 02/28/97 00
0430174342 01 04/01/97 0
36699 O 03/01/12
0
1555519 828/G02 F 95,000.00 ZZ
180 93,638.84 1
313 OAK CREST HILLS DRIVE 8.250 921.64 63
8.000 921.64 152,000.00
COLLEYVILLE TX 76034 2 12/30/96 00
0430145474 05 02/01/97 0
65510003 O 01/01/12
0
1555530 E36/G02 F 540,000.00 ZZ
180 536,970.77 1
16 GILBERT ROAD EAST 8.375 5,278.10 75
8.125 5,278.10 725,000.00
KINGS POINT NY 11024 1 03/05/97 00
0430162552 05 05/01/97 0
189699 O 04/01/12
0
1555535 E22/G02 F 68,400.00 ZZ
180 67,181.21 1
1112 ANGELA DRIVE 8.125 658.61 80
7.875 658.61 85,500.00
CEDAR HILL TX 75104 1 01/29/97 00
0410323679 05 03/01/97 0
410323679 O 02/01/12
0
1555616 A52/G02 F 105,900.00 ZZ
180 105,015.61 1
520 EXLEY ROAD SOUTH 8.500 1,042.84 75
8.250 1,042.84 143,000.00
RINCON GA 31326 2 02/21/97 00
0430156026 05 04/01/97 0
188993 O 03/01/12
0
1
1555640 253/253 F 39,550.00 ZZ
180 38,722.66 1
4412 HUNTER ST 9.000 401.15 70
8.750 401.15 56,500.00
HALTOM CITY TX 76117 5 01/28/97 00
324947 05 03/01/97 0
324947 N 02/01/12
0
1555652 180/G02 F 22,050.00 ZZ
180 21,814.27 2
1512-14 FRANCE STREET 9.000 223.65 90
8.750 223.65 24,500.00
NEW ORLEANS LA 70117 1 01/23/97 04
0430150201 05 03/01/97 25
4725669 N 02/01/12
0
1555667 737/G02 F 36,500.00 ZZ
180 36,096.63 1
2126 W CORTEZ AVENUE 9.500 381.14 60
9.250 381.14 61,000.00
PHOENIX AZ 85029 5 01/29/97 00
0430154294 05 03/01/97 0
512349 N 02/01/12
0
1555757 E22/G02 F 48,000.00 ZZ
180 37,789.70 1
232 PINE CONE TRAIL 8.875 483.29 64
8.625 483.29 76,000.00
ORMOND BEACH FL 32174 1 02/05/97 00
0410340293 09 03/01/97 0
410340293 O 02/01/12
0
1555759 E22/G02 F 108,000.00 ZZ
180 107,108.02 1
5536 BIMINI DRIVE 8.625 1,071.45 79
8.375 1,071.45 137,000.00
MINNETONKA MN 55343 5 01/29/97 00
0410208094 09 04/01/97 0
410208094 O 03/01/12
0
1555761 E22/G02 F 27,900.00 ZZ
180 27,605.04 2
1
441-43 OAK STREET 9.125 285.06 90
8.875 285.06 31,000.00
MARRERO LA 70072 1 01/31/97 12
0410280044 05 03/01/97 25
410280044 N 02/01/12
0
1555780 225/225 F 115,200.00 ZZ
180 114,588.84 4
39 SOUTH LAKE AVENUE 9.000 1,168.44 90
8.750 1,168.44 128,000.00
ALBANY NY 12203 1 03/07/97 04
803622300 05 05/01/97 25
803622300 N 04/01/12
0
1555795 180/G02 F 131,750.00 ZZ
180 130,661.86 1
574 WHIPPORWILL WAY 8.625 1,307.07 85
8.375 1,307.07 155,000.00
GREENWOOD IN 46142 5 02/21/97 23
0430172833 05 04/01/97 0
4673091 O 03/01/12
0
1555810 G79/G02 F 50,000.00 ZZ
180 49,549.09 1
447 HOLLY LANE N 7.625 467.06 20
7.375 467.06 260,218.00
OAKDALE MN 55128 4 02/14/97 00
0430190702 05 04/01/97 0
NG O 03/01/12
0
1555872 830/830 F 9,100.00 ZZ
180 8,974.95 1
2930 BLAISDELL AVENUE SOUTH 8.625 90.28 70
8.375 90.28 13,000.00
MINNAPOLIS MN 55408 5 02/03/97 00
529516 01 03/01/97 0
529516 N 02/01/12
0
1555996 A38/G02 F 29,900.00 ZZ
180 29,671.67 2
249 251 CLAREMONT AVENUE 9.500 312.22 80
9.250 312.22 37,400.00
SAN ANTONIO TX 78209 1 02/24/97 10
0430189654 05 04/01/97 12
1
8110059 N 03/01/12
0
1556037 638/G02 F 114,400.00 ZZ
180 113,401.56 1
7820 MARIA DRIVE 8.000 1,093.27 80
7.750 1,093.27 143,000.00
RIVERSIDE CA 92509 5 02/17/97 00
0430181180 05 04/01/97 0
UNKNOWN O 03/01/12
0
1556047 A65/G02 F 214,600.00 ZZ
180 212,706.46 1
20012 EAST COUNTRY HOLLOW DRIV 7.875 2,035.37 54
7.625 2,035.37 400,000.00
WALNUT CA 91789 2 02/18/97 00
0430164467 05 04/01/97 0
19703002 O 03/01/12
0
1556076 286/286 F 38,400.00 ZZ
180 37,879.21 2
1321 1323 MOUND ST 8.875 386.63 80
8.625 386.63 48,000.00
SPRINGFIELD OH 45505 2 12/26/96 10
8600093 05 02/01/97 12
8600093 N 01/01/12
0
1556086 E45/G02 F 94,000.00 ZZ
180 92,937.99 1
9604 GLENPOINTE DRIVE 8.375 918.78 80
8.125 918.78 117,500.00
RIVERVIEW FL 33569 1 01/31/97 00
0430149062 03 03/01/97 0
UNKNOWN O 02/01/12
0
1556179 896/G02 F 44,100.00 ZZ
180 43,751.65 1
224 GRAYLYNN DRIVE 9.125 450.58 70
8.875 450.58 63,000.00
NASHVILLE TN 37214 5 02/21/97 00
0430164160 05 04/01/97 0
UNKNOWN N 03/01/12
0
1
1556218 E22/G02 F 189,000.00 ZZ
180 187,046.10 4
1417 CATALPA 9.375 1,959.35 90
9.125 1,959.35 210,000.00
ROYAL OAK MI 48067 1 01/31/97 04
0410344196 05 03/01/97 25
410344196 N 02/01/12
0
1556221 E22/G02 F 30,600.00 ZZ
180 30,300.96 1
931 NORTH TIBBS AVENUE 10.000 328.83 90
9.750 328.83 34,000.00
INDIANAPOLIS IN 46222 1 01/31/97 04
0410344329 05 03/01/97 25
410344329 N 02/01/12
0
1556227 E22/G02 F 45,500.00 ZZ
180 45,008.18 1
808 CHERRYWOOD COURT 8.875 458.11 70
8.625 458.11 65,000.00
MESQUITE TX 75149 5 01/31/97 00
0410355531 05 03/01/97 0
410355531 N 02/01/12
0
1556230 E22/G02 F 53,000.00 ZZ
180 51,053.74 1
6811 HARTLAND STREET 9.125 541.51 51
8.875 541.51 105,000.00
HOUSTON TX 77055 5 01/31/97 00
0410280143 05 03/01/97 0
410280143 N 02/01/12
0
1556246 E22/G02 F 40,000.00 ZZ
180 39,662.25 1
4733 SILVER HERON DR 8.375 390.97 48
8.125 390.97 84,925.00
MELBOURNE FL 32934 1 02/07/97 00
0410340517 09 04/01/97 0
410340517 O 03/01/12
0
1556325 816/G02 F 98,825.00 ZZ
180 97,696.15 1
10860 NORTH 78TH STREET 8.250 958.74 36
8.000 958.74 278,000.00
1
SCOTTSDALE AZ 85260 2 01/17/97 00
0430152363 09 03/01/97 0
140827 O 02/01/12
0
1556380 811/G02 F 161,250.00 T
180 159,903.40 1
21376 MARINA COVE CIRCLE 8.500 1,587.89 75
14C 8.250 1,587.89 215,000.00
AVENTURA FL 33180 1 02/21/97 00
0430173252 01 04/01/97 0
UNKNOWN O 03/01/12
0
1556385 225/225 F 52,000.00 ZZ
180 51,546.17 1
1217 ROANOKE AVE 8.000 496.94 67
7.750 496.94 78,000.00
CHARLOTTE NC 28205 2 02/24/97 00
803679300 05 04/01/97 0
803679300 N 03/01/12
0
1556409 G81/G02 F 292,800.00 ZZ
180 290,129.54 1
2340 BAYVIEW LANE 8.125 2,819.32 80
7.875 2,819.32 366,000.00
NORTH MIAMI FL 33181 1 02/28/97 00
0430166470 05 04/01/97 0
021612080 O 03/01/12
0
1556450 E22/G02 F 33,600.00 ZZ
180 33,084.57 1
1166 AVNEUE 'B' 8.875 338.30 70
8.625 338.30 48,000.00
WESTWEGO LA 70094 5 01/31/97 00
0410355473 05 03/01/97 0
410355473 O 02/01/12
0
1556520 229/G02 F 100,000.00 ZZ
180 99,155.60 2
1192 & 1086 W 17TH AVENUE 8.375 977.43 57
8.125 977.43 178,000.00
JUNCTION CITY OR 97448 1 02/26/97 00
0430175554 05 04/01/97 0
7384910 O 03/01/12
0
1
1556560 E22/G02 F 100,000.00 ZZ
180 98,882.57 1
612 CREST RIDGE DRIVE 8.500 984.74 76
8.250 984.74 132,500.00
IRVING TX 75061 1 01/31/97 00
0410312417 05 03/01/97 0
410312417 O 02/01/12
0
1556574 E22/G02 F 50,000.00 ZZ
180 49,154.86 1
424 TOCOLOMA AVENUE 8.875 503.42 29
8.625 503.42 173,000.00
SAN FRANCISCO CA 94134 5 01/30/97 00
0410342737 05 04/01/97 0
410342737 N 03/01/12
0
1556599 687/G02 F 28,800.00 ZZ
180 28,478.21 1
725 GAUL STREET 8.500 283.60 80
8.250 283.60 36,000.00
PHILADELPHIA PA 19125 1 01/31/97 01
0430148585 05 03/01/97 12
1585355 N 02/01/12
0
1556629 F41/G02 F 39,350.00 ZZ
180 39,014.05 1
4430 HILL DRIVE 8.250 381.75 75
8.000 381.75 52,500.00
FORT MYERS FL 33901 1 02/28/97 00
0430174441 05 04/01/97 0
38653 N 03/01/12
0
1556634 G80/225 F 92,000.00 ZZ
120 90,990.87 1
56 DONALD LANE 8.000 1,116.22 46
7.750 1,116.22 200,000.00
OSSINING NY 10562 5 03/07/97 00
803574800 05 05/01/97 0
803574800 O 04/01/07
0
1556647 225/225 F 24,000.00 ZZ
180 23,801.78 1
1
2333 BERING #105 8.625 238.10 75
8.375 238.10 32,000.00
HOUSTON TX 77057 1 02/27/97 00
803842700 01 04/01/97 0
803842700 N 03/01/12
0
1556675 F03/G02 F 56,000.00 ZZ
180 55,696.16 1
1026 QUIVERA DRIVE 8.750 559.70 70
8.500 559.70 80,000.00
COLORADO SPRING CO 80910 1 03/06/97 00
0430180810 05 05/01/97 0
DEN10577 N 04/01/12
0
1556732 E22/G02 F 29,900.00 ZZ
180 29,679.29 3
367 INDIANIA SW 9.875 319.02 95
9.625 319.02 31,500.00
GRAND RAPIDS MI 49504 1 02/05/97 04
0410343636 05 04/01/97 30
410343636 O 03/01/12
0
1556769 688/G02 F 60,000.00 ZZ
180 59,344.20 1
266 CALLE CUERVO 8.750 599.67 51
8.500 599.67 118,000.00
SAN CLEMENTE CA 92672 5 01/24/97 00
0430151076 09 03/01/97 0
44303 N 02/01/12
0
1556787 098/G02 F 217,500.00 ZZ
180 216,918.70 1
85-66 188TH ST. 8.875 2,189.89 75
8.625 2,189.89 290,000.00
JAMAICA ESTATES NY 11423 5 04/30/97 00
0430228312 05 06/01/97 0
966203909 O 05/01/12
0
1556790 992/G02 F 75,000.00 ZZ
180 74,792.69 3
21-25 LANCASTER AVENUE 8.500 738.56 49
8.250 738.56 156,000.00
KEANSBURG NJ 07734 5 04/22/97 00
0430212985 05 06/01/97 0
1
319156 N 05/01/12
0
1556861 E22/G02 F 59,750.00 ZZ
180 59,283.31 1
12411 BEATTIES FORD ROAD 9.250 614.94 90
9.000 614.94 66,900.00
HUNTERSVILLE NC 28078 1 02/13/97 14
0410348981 05 04/01/97 25
410348981 N 03/01/12
0
1556869 E22/G02 F 63,000.00 T
180 62,502.38 1
2501 NW 173 TERRACE 9.125 643.68 63
8.875 643.68 101,500.00
MIAMI FL 33056 2 02/13/97 00
0410256507 05 04/01/97 0
410256507 O 03/01/12
0
1556886 E22/G02 F 30,000.00 ZZ
180 29,651.86 1
350 OAKWOOD DRIVE UNIT #6 9.125 306.51 50
8.875 306.51 60,000.00
NEW BRIGHTON MN 55112 5 02/07/97 00
0410356323 01 04/01/97 0
410356323 N 03/01/12
0
1556902 369/G02 F 95,400.00 T
180 94,146.84 1
1527 INDIAN OAK TRAIL 9.125 974.72 80
8.875 974.72 119,310.00
KISSIMMEE FL 34747 1 01/23/97 95
0430153478 05 03/01/97 0
0060426301 O 02/01/12
0
1557023 624/G02 F 49,700.00 ZZ
180 49,284.94 1
2122 STRAND AVENUE 8.500 489.42 70
8.250 489.42 71,000.00
MISSOULA MT 59801 5 02/26/97 00
0430178616 05 04/01/97 0
76000270073 N 03/01/12
0
1
1557024 526/G02 F 38,500.00 ZZ
180 36,051.40 2
171 GROTE ST. 8.875 387.64 64
8.625 387.64 61,000.00
BUFFALO NY 14207 5 07/27/95 00
0430157214 05 09/01/95 0
42843 N 08/01/10
0
1557097 765/G02 F 105,000.00 ZZ
180 103,702.17 1
2055 NORTH STUDEBAKER ROAD 8.250 1,018.65 54
8.000 1,018.65 195,000.00
LONG BEACH CA 90815 1 02/03/97 00
0430153858 05 04/01/97 0
320352 O 03/01/12
0
1557123 526/G02 F 17,700.00 ZZ
180 17,508.64 1
2549 E. 21ST AVENUE 8.875 178.22 89
8.625 178.22 20,000.00
GARY IN 46407 3 01/02/97 10
0430152652 05 03/01/97 25
0163351 N 02/01/12
0
1557374 E22/G02 F 85,000.00 ZZ
180 84,091.33 1
1206 WASHINGTON STREET 9.000 862.13 50
8.750 862.13 170,000.00
GLENVIEW IL 60025 5 01/24/97 00
0410324867 05 03/01/97 0
410324867 O 02/01/12
0
1557379 E22/G02 F 94,500.00 ZZ
180 93,489.79 1
4203 BELLVUE AVENUE 9.000 958.48 70
8.750 958.48 135,000.00
AUSTIN TX 78756 2 01/20/97 00
0410322010 05 03/01/97 0
410322010 N 02/01/12
0
1557381 E22/G02 F 95,500.00 ZZ
180 94,728.60 1
11326 W 69TH PLACE 8.875 961.54 64
8.625 961.54 150,000.00
1
ARVADA CO 80004 5 02/05/97 00
0410320659 05 04/01/97 0
410320659 O 03/01/12
0
1557390 E22/G02 F 58,500.00 ZZ
180 58,037.93 1
4600 WEBBERDALE 9.125 597.70 90
8.875 597.70 65,000.00
FENTON MI 48430 1 02/11/97 04
0410278675 05 04/01/97 25
410278675 N 03/01/12
0
1557445 B75/G02 F 83,250.00 ZZ
180 82,772.53 1
5100 RAMBLER WAY 8.125 801.60 76
7.875 801.60 110,000.00
SACRAMENTO CA 95841 2 03/03/97 00
0430189498 05 05/01/97 0
2783314 O 04/01/12
0
1557446 A19/G02 F 54,250.00 ZZ
180 53,962.20 1
64-66 CEDAR STREET 9.000 550.24 70
8.750 550.24 77,500.00
LYNN MA 01905 1 03/26/97 00
0430179267 05 05/01/97 0
5901 O 04/01/12
0
1557526 225/225 F 78,500.00 ZZ
180 78,058.86 4
310 16TH ST 8.750 784.57 53
8.500 784.57 150,000.00
LEWISTON ID 83501 2 03/17/97 00
803775500 05 05/01/97 0
803775500 N 04/01/12
0
1557536 225/225 F 74,000.00 ZZ
180 72,867.16 3
820 8TH STREET 8.750 739.60 64
8.500 739.60 117,000.00
CLARKSTON WA 99403 2 03/17/97 00
UNKNOWN 05 05/01/97 0
UNKNOWN N 04/01/12
0
1
1557541 225/225 F 63,500.00 ZZ
180 62,908.49 3
524 7TH STREET 8.750 634.65 49
8.500 634.65 130,000.00
CLARKSTON WA 99403 2 03/17/97 00
803776400 05 05/01/97 0
803776400 N 04/01/12
0
1557545 225/225 F 74,000.00 ZZ
180 72,968.99 4
1420 5TH ST 8.750 739.60 51
8.500 739.60 146,000.00
CLARKSTON WA 99403 2 03/17/97 00
803776900 05 05/01/97 0
803776900 N 04/01/12
0
1557612 253/253 F 48,600.00 ZZ
180 48,185.07 1
518 FRANKLIN DR 8.250 471.49 52
8.000 471.49 95,000.00
SAN MARCOS TX 78666 2 02/11/97 00
325813 05 04/01/97 0
325813 O 03/01/12
0
1557620 E23/G02 F 65,000.00 ZZ
180 64,263.17 1
8631 EAST SAN RAFAEL DRIVE 8.625 644.85 32
8.375 644.85 205,000.00
SCOTTSDALE AZ 85258 2 02/10/97 00
0430153437 09 04/01/97 0
109829 O 03/01/12
0
1557839 874/G02 F 99,300.00 ZZ
180 98,470.72 1
2231 TANGERINE STREET 8.500 977.85 74
8.250 977.85 135,000.00
SPARKS NV 89434 2 02/26/97 00
0430181560 05 04/01/97 0
3704616 N 03/01/12
0
1557857 A17/G02 F 35,000.00 ZZ
180 34,816.40 1
1
50 WATER STREET UNIT 14 9.125 357.60 70
8.875 357.60 50,000.00
MEDFORD MA 02155 1 03/20/97 00
0430182659 08 05/01/97 0
UNKNOWN O 04/01/12
0
1557909 700/G02 F 57,850.00 ZZ
180 57,366.90 1
7826 GARDEN 8.500 569.67 65
8.250 569.67 89,000.00
ST LOUIS MO 63119 5 02/19/97 00
0430155903 05 04/01/97 0
123073 O 03/01/12
0
1557951 E22/G02 F 200,000.00 ZZ
180 198,472.61 4
3319 WEST BELDEN AVENUE 9.500 2,088.45 69
9.250 2,088.45 290,000.00
CHICAGO IL 60647 5 02/07/97 00
0410208144 05 04/01/97 0
410208144 O 03/01/12
0
1557957 E67/G02 F 41,100.00 ZZ
180 40,729.34 1
1933 SW 21ST STREET 7.625 383.93 39
7.375 383.93 108,000.00
REDMOND OR 97756 5 02/14/97 00
0430153700 05 04/01/97 0
T06253 O 03/01/12
0
1557998 H22/G02 F 115,000.00 T
180 114,674.97 1
94 PINE AVENUE 8.250 1,115.66 58
8.000 1,115.66 200,000.00
FLANDERS NY 11901 2 03/28/97 00
0430194241 05 06/01/97 0
9701019 O 05/01/12
0
1558010 131/G02 F 21,650.00 ZZ
180 21,456.14 1
1717 E LINDSEY STREET 8.250 210.04 80
#3 8.000 210.04 27,100.00
NORMAN OK 73071 1 02/26/97 10
0430183699 01 04/01/97 17
1
9099700 N 03/01/12
0
1558046 737/G02 F 120,800.00 ZZ
180 119,589.96 1
1420 SOUTH GRANT STREET 8.250 1,171.93 75
8.000 1,171.93 163,000.00
LONGMONT CO 80501 2 02/04/97 00
0430154351 05 04/01/97 0
573163 O 03/01/12
0
1558078 229/G02 F 36,400.00 ZZ
180 36,200.30 2
3742 ESTELLE AVE 8.625 361.12 65
8.375 361.12 56,000.00
FT MYERS FL 33916 1 03/11/97 00
0430188086 05 05/01/97 0
7383367 N 04/01/12
0
1558213 811/G02 F 75,000.00 T
180 73,564.91 1
1717 N BAYSHORE DR #A2544 9.125 766.29 75
8.875 766.29 100,000.00
MIAMI FL 33132 1 03/14/97 00
0430184259 06 05/01/97 0
FM0010539 O 04/01/12
0
1558294 H05/H05 F 88,500.00 ZZ
180 88,009.03 2
41 COTTAGE PLACE 8.500 871.49 75
8.250 871.49 118,000.00
STRATFORD CT 06497 5 03/14/97 00
7020036 05 05/01/97 0
7020036 O 04/01/12
0
1558303 766/G02 F 21,375.00 T
180 21,146.49 1
7840 HARDING AVE 9.000 216.80 75
# 8 8.750 216.80 28,500.00
MIAMI BEACH FL 33141 1 01/31/97 00
0430157636 01 03/01/97 0
970Z0032 O 02/01/12
0
1
1558304 E45/G02 F 50,000.00 ZZ
180 49,596.14 1
6220 BROOKWOOD ROAD N E 8.875 503.42 85
8.625 503.42 59,000.00
NORCROSS GA 30092 1 02/13/97 10
0430163337 01 04/01/97 25
70481 N 03/01/12
0
1558316 B75/G02 F 60,000.00 ZZ
180 59,344.20 2
7705 07 SOUTH SANDRA WAY 8.750 599.67 41
8.500 599.67 147,000.00
MIDVALE UT 84047 1 01/28/97 00
0430156208 03 03/01/97 0
2928844 O 02/01/12
0
1558687 E46/G02 F 54,900.00 ZZ
180 54,758.16 1
1609 1/2 WEST PINE TREE WAY 9.250 565.03 90
9.000 565.03 61,000.00
WALL TOWNSHIP NJ 07719 1 04/10/97 04
0430204636 05 06/01/97 25
24713 N 05/01/12
0
1558696 253/253 F 35,000.00 ZZ
180 34,402.36 1
419 HEATHER DRIVE 8.375 342.10 80
8.125 342.10 43,900.00
GRANBURY TX 76048 1 02/14/97 04
326144 05 04/01/97 12
326144 N 03/01/12
0
1558706 560/560 F 32,300.00 ZZ
180 32,021.15 2
97 TERRACE STREET 8.125 311.02 85
7.875 311.02 38,000.00
CARBONDALE PA 18407 1 02/13/97 04
450641709 05 04/01/97 20
450641709 N 03/01/12
0
1558771 B98/G02 F 222,000.00 ZZ
180 220,726.75 1
3655 SLATER COURT 8.125 2,137.60 80
7.875 2,137.60 277,500.00
1
SAN JOSE CA 95132 5 03/06/97 00
0430177600 05 05/01/97 0
191609 O 04/01/12
0
1558787 A19/G02 F 40,000.00 ZZ
180 39,787.79 1
7 WALNUT STREET 9.000 405.71 49
8.750 405.71 83,000.00
LYNN MA 01905 5 03/26/97 00
0430179317 05 05/01/97 0
5900 N 04/01/12
0
1558874 225/225 F 37,750.00 ZZ
180 37,337.36 1
14006 EAST STANFORD CIRCLE 8.750 377.30 84
K7 8.500 377.30 45,000.00
AURORA CO 80015 5 01/28/97 04
803512900 01 03/01/97 25
803512900 N 02/01/12
0
1558957 A33/G02 F 25,650.00 ZZ
180 25,515.45 1
2938 S HANNA 9.125 262.07 90
8.875 262.07 28,500.00
FORT WAYNE IN 46806 1 03/05/97 04
0430169540 05 05/01/97 25
HO009036608 N 04/01/12
0
1559085 637/G02 F 40,001.00 ZZ
180 39,791.15 1
2636 CORRIGAN DRIVE 9.125 408.70 62
8.875 408.70 65,000.00
DELTONA FL 32738 1 03/10/97 00
0430177196 05 05/01/97 0
9639352 O 04/01/12
0
1559105 526/G02 F 75,150.00 ZZ
180 65,187.28 3
1938 W. GRAMERCY 8.875 756.65 90
8.625 756.65 83,500.00
SAN ANTONIO TX 78201 1 01/28/97 04
0430159673 05 03/01/97 25
00163381 N 02/01/12
0
1
1559128 526/G02 F 16,500.00 ZZ
180 16,362.18 1
3224 TIMMONS #138 8.500 162.49 74
8.250 162.49 22,500.00
HOUSTON TX 77027 1 02/06/97 00
0430163741 01 04/01/97 0
0158838 N 03/01/12
0
1559131 129/G02 F 185,000.00 ZZ
180 183,973.67 1
13990 YOUNG DRIVE 8.500 1,821.77 62
8.250 1,821.77 300,000.00
MECOSTA MI 49332 5 03/11/97 00
0430211623 05 05/01/97 0
3800021697 O 04/01/12
0
1559202 G15/G15 F 100,000.00 ZZ
180 99,420.09 1
308 HARVEST COMMONS 8.000 955.66 26
7.750 955.66 385,000.00
WESTPORT CT 06880 5 03/07/97 00
131000809 01 05/01/97 0
131000809 O 04/01/12
0
1559244 758/G02 F 66,900.00 ZZ
180 66,507.76 1
22511 ADAMS WAY 7.875 634.51 59
7.625 634.51 115,000.00
MAGNOLIA TX 77355 4 03/12/97 00
0430177683 05 05/01/97 0
UNKNOWN O 04/01/12
0
1559254 225/225 F 49,000.00 ZZ
180 48,728.14 2
173 WATERMAN STREET 8.500 482.53 70
8.250 482.53 70,000.00
LOCKPORT NY 14094 5 03/31/97 00
803803900 05 05/01/97 0
803803900 N 04/01/12
0
1559360 526/G02 F 243,000.00 ZZ
180 240,925.33 1
1
833 SOUTH CITRUS AVENUE 8.250 2,357.45 79
8.000 2,357.45 310,000.00
LOS ANGELES CA 90036 2 02/07/97 00
0430159657 05 04/01/97 0
0164630 O 03/01/12
0
1559378 526/G02 F 43,400.00 ZZ
180 42,922.42 1
832 NEW YORK STREET 8.875 436.98 70
8.625 436.98 62,000.00
LAWRENCE KS 66044 5 01/09/97 00
0430160929 05 03/01/97 0
0163513 N 02/01/12
0
1559387 E22/G02 F 50,700.00 ZZ
180 50,262.35 1
95 OLIVE STREET 8.125 488.18 65
7.875 488.18 78,000.00
ARBUCKLE CA 95912 2 02/17/97 00
0410277990 05 04/01/97 0
410277990 N 03/01/12
0
1559393 E22/G02 F 50,000.00 ZZ
180 49,563.61 2
5619 WALTER AVENUE 8.000 477.83 80
7.750 477.83 62,500.00
HAMMOND IN 46320 1 02/05/97 04
0410168116 05 04/01/97 12
410168116 N 03/01/12
0
1559395 E22/G02 F 39,500.00 ZZ
180 38,892.42 2
805-807 WEST 5TH STREET 9.125 403.58 62
8.875 403.58 64,000.00
MARION IN 46952 2 02/19/97 00
0410164305 05 04/01/97 0
410164305 N 03/01/12
0
1559402 E22/G02 F 34,000.00 ZZ
180 33,719.19 4
1305 N EMPORIA 8.625 337.31 80
8.375 337.31 42,500.00
WICHITA KS 67214 1 02/18/97 04
0410280390 05 04/01/97 12
1
410280390 N 03/01/12
0
1559405 E22/G02 F 50,550.00 ZZ
180 50,123.16 1
1909 WEST 23RD STREET 8.375 494.09 85
8.125 494.09 59,500.00
RIVIERA BEACH FL 33404 5 02/14/97 04
0410350854 05 04/01/97 12
410350854 O 03/01/12
0
1559456 105/G02 F 64,100.00 ZZ
180 63,534.40 1
10031 WINDRIVER DRIVE 7.875 607.96 75
7.625 607.96 85,500.00
HOUSTON TX 77070 2 02/14/97 00
0430163113 05 04/01/97 0
0928713 N 03/01/12
0
1559937 129/G02 F 56,000.00 ZZ
180 55,407.98 1
13499 BISCAYNE BLVD 9.125 572.16 70
#1604 8.875 572.16 80,000.00
NORTH MIAMI BEA FL 33181 5 02/03/97 00
0430159749 06 03/01/97 0
3964472 N 02/01/12
0
1559942 462/G02 F 186,000.00 ZZ
180 184,944.95 1
11050 NW 58 TERRACE 8.250 1,804.47 80
8.000 1,804.47 232,900.00
MIAMI FL 33178 1 03/28/97 00
0430202432 09 05/01/97 0
4540373 O 04/01/12
0
1559961 E22/G02 F 63,750.00 ZZ
180 63,229.30 1
2365 HUDSON TERRACE UNIT #3C 8.750 637.15 75
8.500 637.15 85,000.00
FORT LEE NJ 07024 1 02/21/97 00
0410340061 08 04/01/97 0
410340061 O 03/01/12
0
1
1560004 405/405 F 240,000.00 ZZ
180 237,635.81 1
16521 GEORGE WASHINGTON DRIVE 8.500 2,363.38 80
8.250 2,363.38 300,000.00
ROCKVILLE MD 20853 5 01/31/97 00
004118089 05 04/01/97 0
004118089 O 03/01/12
0
1560069 229/G02 F 53,600.00 ZZ
180 53,315.64 1
607 FRISCO 9.000 543.65 80
8.750 543.65 67,000.00
MONETT MO 65708 1 03/24/97 00
0430194936 05 05/01/97 0
7402241 O 04/01/12
0
1560257 E45/G02 F 47,650.00 ZZ
180 47,238.69 1
6350 AMBER DRIVE 8.125 458.81 57
7.875 458.81 85,000.00
DOUGLASVILLE GA 30135 1 02/19/97 00
0430164087 05 04/01/97 0
70529 O 03/01/12
0
1560258 180/G02 F 29,250.00 ZZ
180 29,094.84 1
2422 NORTH ELM 9.000 296.67 90
8.750 296.67 32,500.00
DENTON TX 76201 1 03/07/97 04
0430182477 05 05/01/97 25
4406005 N 04/01/12
0
1560293 E22/G02 F 43,000.00 ZZ
180 42,628.82 1
2521 MEADOW WOOD CIRCLE 8.125 414.04 72
7.875 414.04 60,000.00
SACRAMENTO CA 95822 2 02/17/97 00
0410278006 05 04/01/97 0
410278006 N 03/01/12
0
1560294 E22/G02 F 36,000.00 ZZ
180 35,515.94 1
142 YOSEMITE WAY 8.125 346.64 74
7.875 346.64 49,000.00
1
COLUSA CA 95932 2 02/18/97 00
0410278022 07 04/01/97 0
410278022 N 03/01/12
0
1560295 E22/G02 F 52,500.00 ZZ
180 52,046.82 1
1121 HAWK AVENUE 8.125 505.51 70
7.875 505.51 75,000.00
SACRAMENTO CA 95833 5 02/18/97 00
0410277289 05 04/01/97 0
410277289 N 03/01/12
0
1560309 E22/G02 F 117,000.00 ZZ
180 116,044.40 1
33 BARN OWL DRIVE 8.750 1,169.35 75
8.500 1,169.35 156,000.00
ALLAMUCHY NJ 07840 5 02/19/97 00
0410256812 09 04/01/97 0
410256812 N 03/01/12
0
1560343 180/G02 F 60,750.00 ZZ
180 60,405.42 1
11115/11117 WYATT STREET 8.250 589.36 90
8.000 589.36 67,500.00
DALLAS TX 75227 1 03/20/97 04
0430199042 05 05/01/97 25
4705919 N 04/01/12
0
1560368 964/G02 F 94,150.00 ZZ
180 92,676.63 1
4351 COYOTE CREST COURT 8.000 899.75 70
7.750 899.75 134,500.00
LAS VEGAS NV 89117 1 12/26/96 00
0430166751 05 02/01/97 0
22021 N 01/01/12
0
1560371 964/G02 F 93,450.00 ZZ
180 92,081.58 1
4334 COYOTE CREST COURT 8.000 893.06 70
7.750 893.06 134,700.00
LAS VEGAS NV 89117 1 12/26/96 00
0430166777 05 02/01/97 0
22017 N 01/01/12
0
1
1560372 350/G02 F 57,900.00 ZZ
180 57,571.58 1
3638 2A MORRIS FARM DRIVE 8.250 561.71 80
8.000 561.71 72,400.00
JAMESTOWN NC 27282 1 03/13/97 10
0430177501 01 05/01/97 12
0051440 N 04/01/12
0
1560408 E22/G02 F 35,700.00 ZZ
180 35,421.17 1
8325 TRANQUIL 9.250 367.42 70
9.000 367.42 51,000.00
PORTAGE MI 49002 5 02/21/97 00
0410345052 05 04/01/97 0
410345052 N 03/01/12
0
1560472 180/G02 F 28,050.00 ZZ
180 27,899.51 1
1419 EAST 4TH STREET 8.875 282.42 85
8.625 282.42 33,000.00
PUEBLO CO 81001 1 03/14/97 10
0430204784 05 05/01/97 20
4786547 N 04/01/12
0
1560489 B74/G02 F 170,400.00 T
180 169,367.86 1
3150 WAILEA ALANUI DRIVE #3805 8.750 1,703.06 75
8.500 1,703.06 227,250.00
KIHEI HI 96753 1 03/11/97 00
0430192203 01 05/01/97 0
970453 O 04/01/12
0
1560533 129/G02 F 57,000.00 ZZ
180 56,390.63 1
13499 BISCAYNE BLVD 9.000 578.14 72
#1012 8.750 578.14 80,000.00
NORTH MIAMI FL 33181 2 02/03/97 00
0430162776 06 03/01/97 0
3900064464 N 02/01/12
0
1560574 129/G02 F 57,000.00 ZZ
180 56,390.63 1
1
13499 BISCAYNE BLVD 9.000 578.14 72
NO 1112 8.750 578.14 80,000.00
NORTH MIAMI BEA FL 33181 2 02/03/97 00
0430181966 06 03/01/97 0
3964456 N 02/01/12
0
1560644 E22/G02 F 28,450.00 ZZ
180 28,215.02 1
7701 MILLROY WAY 8.625 282.25 41
8.375 282.25 70,000.00
SACRAMENTO CA 95823 5 02/24/97 00
0410277156 05 04/01/97 0
410277156 O 03/01/12
0
1560658 253/253 F 34,450.00 ZZ
180 34,254.57 1
22 CRESTED MTN LANE 8.250 334.22 33
604 8.000 334.22 106,000.00
MT CRESTED BUTT CO 81225 2 03/11/97 00
326439 08 05/01/97 0
326439 N 04/01/12
0
1560665 E22/G02 F 114,750.00 ZZ
180 113,298.75 1
429 BEACH 68TH STREET 8.750 1,146.87 75
8.500 1,146.87 153,000.00
ARVERNE NY 11692 5 01/24/97 00
0410338453 05 03/01/97 0
410338453 O 02/01/12
0
1560684 526/G02 F 128,000.00 ZZ
180 126,907.18 1
1710 QUAIL CREEK DRIVE 8.250 1,241.78 80
8.000 1,241.78 160,000.00
NORMAN OK 73071 1 02/11/97 00
0430180976 05 04/01/97 0
0167706 O 03/01/12
0
1560725 253/253 F 57,600.00 ZZ
180 57,134.72 1
1252 TRANQUILLA DR 8.875 579.95 90
8.625 579.95 64,000.00
DALLAS TX 75218 1 02/24/97 14
325767 05 04/01/97 25
1
325767 N 03/01/12
0
1560729 881/G02 F 43,000.00 ZZ
180 42,637.21 1
125 SOUTH SIERRA MADRE BL.#111 8.375 420.29 58
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PASADENA CA 91107 5 02/24/97 00
0430172593 01 04/01/97 0
104271 N 03/01/12
0
1560736 F34/G02 F 54,000.00 ZZ
180 53,360.46 1
212 SW 10 STREET 8.875 543.70 66
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DELRAY BEACH FL 33444 5 02/24/97 00
0430166041 05 04/01/97 0
9760038 O 03/01/12
0
1560759 757/757 F 61,650.00 ZZ
180 61,152.03 1
1080 COKE COURT 8.875 620.72 90
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MOBILE AL 36695 1 02/26/97 01
2879799 05 04/01/97 25
2879799 N 03/01/12
0
1560805 E86/G02 F 160,100.00 ZZ
180 159,250.65 2
846 REVERE AVENUE 9.000 1,623.84 81
8.750 1,623.84 200,000.00
BRONX NY 10465 1 03/24/97 10
0430187765 05 05/01/97 20
16442 N 04/01/12
0
1560883 E22/G02 F 128,000.00 ZZ
180 126,544.35 1
4339 NORTHWEST 73RD WAY 7.625 1,195.69 80
7.375 1,195.69 160,000.00
CORAL SPRINGS FL 33065 2 02/20/97 00
0410337869 05 04/01/97 0
410337869 O 03/01/12
0
1
1560921 225/225 F 57,750.00 ZZ
180 57,415.11 1
1215 AIRLEE AVENUE 8.000 551.89 75
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KINSTON NC 28501 1 03/20/97 00
803618400 05 05/01/97 0
803618400 N 04/01/12
0
1560995 927/G02 F 42,000.00 ZZ
180 41,660.73 1
4040 MUSE WAY 8.875 422.88 70
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COLORADO SPRING CO 80907 5 02/14/97 00
0430167098 09 04/01/97 0
294397 N 03/01/12
0
1561045 129/G02 F 64,900.00 ZZ
180 64,000.20 1
12B CAMPBELL DRIVE 8.625 643.86 55
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HAMPTON NH 03842 1 12/20/96 00
0430183574 05 02/01/97 0
3961379 N 01/01/12
0
1561122 076/076 F 129,000.00 ZZ
180 127,477.30 1
108 MASON COURT 7.875 1,223.51 73
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COPPELL TX 75019 1 01/31/97 00
17072778 05 03/01/97 0
17072778 O 02/01/12
0
1561127 076/076 F 88,200.00 ZZ
180 86,331.84 1
164 WINTHROP ROAD 9.000 894.59 70
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EDISON NJ 08817 5 01/24/97 00
17074079 05 03/01/97 0
17074079 O 02/01/12
0
1561130 076/076 F 166,000.00 ZZ
180 162,610.77 1
1705 NW 4TH AVENUE 8.125 1,598.39 80
7.875 1,598.39 207,500.00
1
DELRAY BEACH FL 33444 1 01/23/97 00
17074660 05 03/01/97 0
17074660 O 02/01/12
0
1561134 076/076 F 34,000.00 ZZ
120 33,243.99 1
6331 SOUTH LOOMIS BOULEVARD 7.875 410.28 52
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CHICAGO IL 60636 5 01/30/97 00
17075924 05 03/01/97 0
17075924 N 02/01/07
0
1561137 076/076 F 101,000.00 ZZ
180 100,156.54 1
11 POND LANE EXT. 8.500 994.59 64
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BILLERICA MA 01821 2 02/06/97 00
17076348 05 04/01/97 0
17076348 O 03/01/12
0
1561139 076/076 F 80,500.00 ZZ
180 79,648.94 1
818 WEST AUGUSTA AVENUE 9.125 822.49 70
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SPOKANE WA 99205 5 01/27/97 00
17076605 05 03/01/97 0
17076605 N 02/01/12
0
1561172 E22/G02 F 36,000.00 ZZ
180 35,715.63 1
11506 EAST 20TH ST 9.125 367.82 90
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INDEPENDENCE MO 64052 1 02/26/97 01
0410312771 05 04/01/97 25
410312771 N 03/01/12
0
1561216 076/076 F 100,000.00 ZZ
180 98,870.19 1
675 OLD HIGHWAY 98 8.375 977.43 55
#302B 8.125 977.43 182,000.00
DESTIN FL 32541 2 01/10/97 00
6492692 08 03/01/97 0
6492692 N 02/01/12
0
1
1561217 076/076 F 150,000.00 ZZ
180 148,229.49 1
1280 BARNETT RIDGE 7.875 1,422.67 80
7.625 1,422.67 189,000.00
ATHENS GA 30605 1 01/10/97 00
6759852 05 03/01/97 0
6759852 O 02/01/12
0
1561236 076/076 F 45,000.00 ZZ
180 43,871.72 1
118 CAMP WYATT ROAD 8.500 443.14 21
8.250 443.14 220,000.00
KURE BEACH NC 28449 5 01/16/97 00
6795362 05 03/01/97 0
6795362 O 02/01/12
0
1561243 076/076 F 75,400.00 ZZ
180 74,319.66 1
8100-8101 BEL RAY COURT 8.250 731.49 65
8.000 731.49 116,000.00
BELTON MO 64012 5 01/03/97 00
2223524 05 02/01/97 0
2223524 N 01/01/12
0
1561247 105/G02 F 53,100.00 ZZ
180 52,666.29 2
313 315 WILLIAMS STREET 8.750 530.71 90
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MARTINSBURG WV 25401 1 02/24/97 10
0430167510 05 04/01/97 25
1009539 N 03/01/12
0
1561248 076/076 F 31,950.00 ZZ
180 31,593.00 1
1133 FAIRVIEW AVENUE 8.500 314.62 90
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KINGSPORT TN 37660 1 01/21/97 04
6818022 05 03/01/97 25
6818022 N 02/01/12
0
1561257 001/G02 F 81,750.00 ZZ
180 81,531.51 1
1
51 PARK DRIVE 8.875 823.10 75
#7 8.625 823.10 109,000.00
BOSTON MA 02215 1 04/02/97 00
0430209957 08 06/01/97 0
1514651 N 05/01/12
0
1561342 F03/G02 F 210,000.00 ZZ
180 208,834.97 1
275 VIA LINDA VISTA 8.500 2,067.96 70
8.250 2,067.96 300,000.00
MANITOU SPRINGS CO 80829 5 03/17/97 00
0430189548 05 05/01/97 0
DEN10617 O 04/01/12
0
1561344 076/076 F 52,000.00 ZZ
180 51,418.96 1
609 N STREET 8.500 512.06 80
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BARLING AR 72923 5 01/17/97 00
6826012 05 03/01/97 0
6826012 O 02/01/12
0
1561365 076/076 F 175,000.00 ZZ
180 172,911.76 1
10321 OAKLAND AVENUE NE 7.750 1,647.24 49
7.500 1,647.24 360,000.00
ALBUQUERQUE NM 87122 4 01/24/97 00
7014147 05 03/01/97 0
7014147 O 02/01/12
0
1561370 076/076 F 69,000.00 ZZ
180 68,237.42 1
13936 ROCKDALE ROAD 8.625 684.54 39
8.375 684.54 177,000.00
CLEAR SPRING MD 21722 5 01/09/97 00
17067446 05 03/01/97 0
17067446 O 02/01/12
0
1561407 E57/G02 F 92,000.00 ZZ
180 91,240.18 1
929 TROUVILLE AVENUE 8.625 912.71 80
8.375 912.71 115,000.00
GROVER BEACH CA 93433 4 02/26/97 00
0430177923 05 04/01/97 0
1
60712006327 O 03/01/12
0
1561412 A26/G02 F 165,000.00 ZZ
180 164,114.76 1
404 CROWN STREET 8.875 1,661.30 55
8.625 1,661.30 300,000.00
BROOKLYN NY 11225 5 03/26/97 00
0430192542 07 05/01/97 0
8369 O 04/01/12
0
1561419 626/G02 F 66,500.00 ZZ
180 65,906.77 1
16658 FOREST AVENUE 7.750 625.95 64
7.500 625.95 105,000.00
GUINDA CA 95637 1 02/24/97 00
0430176651 05 04/01/97 0
6702831 O 03/01/12
0
1561429 731/G02 F 93,500.00 ZZ
180 92,736.33 1
3851 CEDARWOODS WAY 8.750 934.48 85
8.500 934.48 110,000.00
LAWRENCEVILLE GA 30244 5 02/24/97 01
0430168088 05 04/01/97 12
3140663499 O 03/01/12
0
1561534 E22/G02 F 98,000.00 ZZ
180 97,116.19 1
417 SPARROW HAWK COURT 7.625 915.45 75
7.375 915.45 132,000.00
GREER SC 29650 5 02/24/97 00
0410350409 01 04/01/97 0
410350409 O 03/01/12
0
1561540 E22/G02 F 57,900.00 ZZ
180 57,111.09 1
330-301 SOUTH MIDDLETON DRIVE 8.375 565.93 56
8.125 565.93 103,900.00
CALABASH NC 28467 1 02/28/97 00
0410352991 01 04/01/97 0
410352991 N 03/01/12
0
1
1561590 E22/G02 F 47,750.00 ZZ
180 47,364.31 1
312 THUNDERBIRD DR 8.875 480.77 65
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EL PASO TX 79912 1 02/28/97 00
0410341314 05 04/01/97 0
410314314 N 03/01/12
0
1561618 253/253 F 87,000.00 ZZ
180 55,835.16 1
1410 DAPPLEGREY LANE 7.750 818.91 52
7.500 818.91 167,340.00
AUSTIN TX 78727 1 02/27/97 00
326332 05 04/01/97 0
326332 O 03/01/12
0
1561639 766/G02 F 69,800.00 ZZ
180 69,236.20 1
2220 NW 172 TERRACE 8.875 702.78 78
8.625 702.78 90,000.00
OPA LOCKA FL 33056 2 02/10/97 00
0430170795 05 04/01/97 0
97DA0066 O 03/01/12
0
1561651 140/G02 F 25,500.00 ZZ
180 25,291.72 1
358 PHEASANT LANE 8.750 254.86 57
8.500 254.86 45,500.00
SLIDELL LA 70458 1 02/27/97 00
0430168153 05 04/01/97 0
431814 N 03/01/12
0
1561717 A17/G02 F 40,600.00 ZZ
180 40,387.01 1
10 COLONIAL DRIVE 9.125 414.82 70
UNIT A-5 8.875 414.82 58,000.00
ANDOVER MA 01810 1 03/28/97 00
0430192773 01 05/01/97 0
1561717 N 04/01/12
0
1561719 896/G02 F 22,400.00 ZZ
180 22,343.42 1
153 LAWTON CEMETARY ROAD 9.500 233.91 70
9.250 233.91 32,000.00
1
SYLVANIA GA 30467 5 04/14/97 00
0430211896 05 06/01/97 0
970034 N 05/01/12
0
1561781 E22/G02 F 66,350.00 ZZ
180 65,814.07 2
937 24TH AVENUE SE 8.875 668.04 75
8.625 668.04 88,500.00
CAPE CORAL FL 33990 1 02/28/97 00
0410352405 05 04/01/97 0
410352405 N 03/01/12
0
1561806 E22/G02 F 28,800.00 ZZ
180 28,567.38 1
5000 MILWEE, NO. 61 8.875 289.97 90
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HOUSTON TX 77092 1 02/27/97 10
0410314066 01 04/01/97 25
410314066 O 03/01/12
0
1561810 E22/G02 F 20,700.00 ZZ
180 20,465.08 2
727 5TH AVENUE 9.500 216.15 90
9.250 216.15 23,000.00
ROCKFORD IL 61104 1 02/28/97 04
0410207120 05 04/01/97 25
410207120 N 03/01/12
0
1561838 E22/G02 F 40,600.00 ZZ
180 40,382.18 1
1217 S DELAWARE PLACE 8.875 408.78 69
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TULSA OK 74104 5 03/03/97 00
0410320386 05 05/01/97 0
410320386 N 04/01/12
0
1561839 E22/G02 F 27,650.00 ZZ
180 27,501.66 1
427 S 71ST EAST AVE 8.875 278.39 70
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TULSA OK 74112 5 03/03/97 00
0410320394 05 05/01/97 0
410320394 N 04/01/12
0
1
1561851 757/G02 F 75,000.00 ZZ
180 74,583.91 1
210 ARMSTRONG ROAD 8.500 738.56 43
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CARROLLTON GA 30117 5 03/05/97 00
0430170563 05 05/01/97 0
2879849 O 04/01/12
0
1561896 737/G02 F 65,000.00 ZZ
180 64,469.11 1
14644 N KINGS WAY 8.750 649.64 55
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FOUNTAIN HILLS AZ 85268 1 02/26/97 00
0430173658 03 04/01/97 0
512519 N 03/01/12
0
1561940 992/G02 F 96,750.00 ZZ
180 96,482.57 2
87 ATLANTIC AVENUE 8.500 952.74 82
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WEST SAYVILLE NY 11796 1 04/10/97 01
0430200949 05 06/01/97 20
323131 N 05/01/12
0
1561969 H22/G02 F 100,000.00 ZZ
180 99,732.74 3
25-46 43RD STREET 8.875 1,006.84 58
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LONG ISLAND CIT NY 11103 1 04/14/97 00
0430203802 05 06/01/97 0
9703004 N 05/01/12
0
1562029 F30/G02 F 75,600.00 ZZ
180 75,115.66 1
723 EAST SHARP AVENUE 8.500 744.46 84
8.250 744.46 90,000.00
SPOKANE WA 99207 1 03/24/97 04
0430193490 05 05/01/97 25
10908 N 04/01/12
0
1562096 526/G02 F 110,400.00 ZZ
180 109,152.70 1
1
945 VERNON ROAD 8.375 1,079.08 80
8.125 1,079.08 138,000.00
BEXLEY OH 43209 5 01/27/97 00
0430169185 05 03/01/97 0
162014 O 02/01/12
0
1562102 E22/G02 F 75,000.00 ZZ
180 74,352.59 1
13785 62ND COURT 8.125 722.16 80
7.875 722.16 93,900.00
WEST PALM BEACH FL 33412 1 02/28/97 00
0410354351 05 04/01/97 0
410354351 O 03/01/12
0
1562111 E22/G02 F 60,000.00 ZZ
180 59,504.45 1
223 LIVE OAK LANE UNIT # 113C 8.625 595.25 80
8.375 595.25 75,000.00
BOYNTON BEACH FL 33437 2 02/26/97 00
0410351464 09 04/01/97 0
410351464 O 03/01/12
0
1562120 E22/G02 F 36,900.00 ZZ
180 32,984.22 1
11843 BRAESVIEW, #2014 8.375 360.67 90
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SAN ANTONIO TX 78213 1 03/05/97 10
0410368062 01 04/01/97 25
410368062 O 03/01/12
0
1562125 E22/G02 F 216,000.00 ZZ
180 214,235.77 3
2125 NEREID AVENUE 8.750 2,158.81 80
8.500 2,158.81 270,000.00
BRONX NY 10466 2 02/07/97 00
0410349526 05 04/01/97 0
410349526 O 03/01/12
0
1562131 E22/G02 F 27,000.00 ZZ
120 26,598.46 2
2126-28 GEORGE ST 9.875 354.94 90
9.625 354.94 30,000.00
ANDERSON IN 46016 1 02/28/97 04
0410357404 05 04/01/97 25
1
410357404 N 03/01/07
0
1562140 E45/G02 F 58,000.00 ZZ
180 57,510.24 1
2307 WHITEHOUSE ROAD 8.375 566.91 69
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DACULA GA 30211 2 02/19/97 00
0430170324 05 04/01/97 0
70497 O 03/01/12
0
1562217 286/286 F 31,500.00 ZZ
180 31,251.16 1
2001 HOUSTONIA DR 9.125 321.85 70
8.875 321.85 45,000.00
KNOXVILLE TN 37918 2 02/03/97 00
0008437578 05 04/01/97 0
0008437578 N 03/01/12
0
1562272 377/377 F 87,000.00 ZZ
180 86,248.99 1
150 TWINSPUR CLOSE 8.125 837.71 75
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ROSWELL GA 30076 2 03/03/97 00
6164974 03 04/01/97 0
6164974 O 03/01/12
0
1562842 964/G02 F 145,000.00 ZZ
180 143,789.10 1
12529 CYPRESS AVENUE 8.500 1,427.87 79
8.250 1,427.87 185,000.00
CHINO CA 91710 2 02/19/97 00
0430228429 05 04/01/97 0
23045 O 03/01/12
0
1562854 E22/G02 F 132,000.00 ZZ
180 131,307.54 1
2371 HOOHU ROAD UNIT # 402 9.125 1,348.67 60
8.875 1,348.67 220,000.00
KOLOA HI 96756 1 02/25/97 00
0410346779 20 05/01/97 0
410346779 N 04/01/12
0
1
1562943 624/G02 F 77,000.00 ZZ
180 76,577.56 1
3402 CHAULET DRIVE 8.625 763.90 66
8.375 763.90 117,500.00
CERES CA 95307 2 03/18/97 00
0430191353 05 05/01/97 0
41300170113 O 04/01/12
0
1562979 225/225 F 73,000.00 ZZ
180 72,802.69 1
30 GREEN GROVE COURT 8.750 729.60 20
8.500 729.60 375,000.00
MIDDLETOWN NJ 07738 2 04/08/97 00
8040347 05 06/01/97 0
8040347 O 05/01/12
0
1562985 F34/G02 F 52,000.00 ZZ
180 51,705.03 1
990 EAST 45TH STREET 8.250 504.48 52
8.000 504.48 100,000.00
HIALEAH FL 33013 2 03/05/97 00
0430172627 05 05/01/97 0
9760050 O 04/01/12
0
1563004 591/G02 F 47,950.00 ZZ
180 47,659.45 1
3527 GARDEN CITY BLVD SE 7.500 444.51 80
7.250 444.51 59,950.00
ROANOKE VA 24014 1 03/24/97 04
0430191940 05 05/01/97 12
103304713 N 04/01/12
0
1563007 E13/G02 F 575,000.00 ZZ
180 571,880.73 1
3436 VALLEY ROAD 8.750 5,746.83 65
8.500 5,746.83 890,000.00
ATLANTA GA 30305 5 03/18/97 00
0430191171 05 05/01/97 0
1563007 O 04/01/12
0
1563022 687/G02 F 29,250.00 ZZ
180 29,016.38 1
428 W 57TH STREET 9.000 296.67 90
8.750 296.67 32,500.00
1
ASHTABULA OH 44004 1 02/26/97 01
0430170654 05 04/01/97 25
NG N 03/01/12
0
1563088 E22/G02 F 53,200.00 ZZ
180 52,760.62 1
526 DOLPHIN ST 8.625 527.79 80
8.375 527.79 66,500.00
STUART FL 34996 1 03/06/97 04
0410354401 05 04/01/97 12
410354401 N 03/01/12
0
1563096 E22/G02 F 51,300.00 ZZ
180 50,899.31 1
1526 AULINE LANE 9.250 527.98 90
9.000 527.98 57,000.00
HOUSTON TX 77055 1 03/06/97 01
0410312797 03 04/01/97 25
410312797 N 03/01/12
0
1563113 E22/G02 F 41,600.00 T
180 39,630.72 1
711 CLOVER COURT 7.500 385.64 65
7.250 385.64 64,000.00
KELLER TX 76248 1 02/22/96 00
0410368898 05 04/01/96 0
410368898 O 03/01/11
0
1563135 405/405 F 117,600.00 ZZ
180 116,573.63 1
1412 LONG VIEW DRIVE 8.000 1,123.85 73
7.750 1,123.85 162,857.00
PEARLAND TX 77581 1 02/25/97 00
4134821 03 04/01/97 0
4134821 O 03/01/12
0
1563168 E38/G02 F 104,550.00 ZZ
180 104,267.42 1
4766 WEST ESKESEN DRIVE 8.750 1,044.92 85
8.500 1,044.92 123,000.00
WEST VALLEY CIT UT 84120 5 04/01/97 12
0430202382 05 06/01/97 30
972178 O 05/01/12
0
1
1563309 575/G02 F 82,700.00 ZZ
180 82,009.36 1
6501 SPRINGWATER COURT 8.500 814.38 90
UNIT 8204 8.250 814.38 91,900.00
FREDERICK MD 21701 1 02/28/97 12
0430176560 01 04/01/97 25
972271666 N 03/01/12
0
1563318 253/253 F 288,000.00 ZZ
180 285,541.14 1
4669 E TALMADGE DRIVE 8.250 2,794.01 80
8.000 2,794.01 360,000.00
SAN DIEGO CA 92116 5 02/25/97 00
326191 05 04/01/97 0
326191 O 03/01/12
0
1563330 480/G02 F 72,400.00 ZZ
180 71,815.20 1
260 HOL-MAR TRAIL 8.875 728.96 80
8.625 728.96 90,500.00
MCDONOUGH GA 30253 1 02/28/97 23
0430175596 05 04/01/97 0
2002566 N 03/01/12
0
1563424 E22/G02 F 35,775.00 ZZ
180 27,981.41 1
506B EL CENTRO BOULEVARD 9.625 376.27 90
9.375 376.27 39,750.00
PANAMA CITY BEA FL 32413 1 03/07/97 04
0410355002 01 05/01/97 25
410355002 N 04/01/12
0
1563433 E22/G02 F 98,900.00 ZZ
180 96,368.82 1
10300 BATTLERIDGE PLACE 8.500 973.91 74
8.250 973.91 134,000.00
GAITHERSBURG MD 20879 5 03/03/97 00
0410349500 09 04/01/97 0
410349500 O 03/01/12
0
1563438 560/560 F 70,000.00 ZZ
180 69,799.94 1
1
2315 E PRICE 8.125 674.02 69
7.875 674.02 102,000.00
MOUNT CLEMENS MI 48043 5 04/03/97 00
450687397 05 06/01/97 0
450687397 O 05/01/12
0
1563541 926/926 F 265,000.00 ZZ
180 262,610.08 1
124 NORTH FOREST BEACH DRIVE 7.625 2,475.45 32
7.375 2,475.45 850,000.00
HILTON HEAD ISL SC 29928 5 02/24/97 00
17-150988-4 05 04/01/97 0
UNKNOWN O 03/01/12
0
1563810 225/225 F 79,200.00 ZZ
180 78,779.83 1
3519 BAXTER ROAD 9.000 803.30 90
8.750 803.30 88,000.00
WINSTON SALEM NC 27107 4 03/27/97 10
8038909 05 05/01/97 25
8038909 N 04/01/12
0
1563875 076/076 F 296,000.00 ZZ
180 292,467.91 1
2160 LOUISA DRIVE 7.750 2,786.18 80
7.500 2,786.18 370,000.00
BELLEAIR BEACH FL 33786 1 01/31/97 00
7074180 05 03/01/97 0
7074180 O 02/01/12
0
1563917 B28/G02 F 84,500.00 ZZ
180 84,046.65 1
2016 MANCHESTER DRIVE 8.875 850.79 65
8.625 850.79 130,000.00
FORT COLLINS CO 80526 5 03/10/97 00
0430180844 05 05/01/97 0
06962020 N 04/01/12
0
1563956 E22/G02 F 33,900.00 ZZ
180 33,728.10 3
914 RIVERMET AVENUE 9.500 353.99 75
9.250 353.99 45,300.00
FORT WAYNE IN 46805 1 03/10/97 00
0410362891 05 05/01/97 0
1
410362891 N 04/01/12
0
1563964 E22/G02 F 105,900.00 ZZ
180 103,490.46 1
17221 SW 65TH COURT 8.500 1,042.84 58
8.250 1,042.84 184,000.00
FORT LAUDERDALE FL 33331 2 03/04/97 00
0410353502 05 05/01/97 0
410353502 O 04/01/12
0
1563968 E22/G02 F 54,900.00 ZZ
180 54,633.98 2
440 EAST 5TH STREET 10.000 589.96 90
9.750 589.96 61,000.00
PLAINFIELD NJ 07060 1 03/10/97 10
0410350904 05 05/01/97 25
410350904 N 04/01/12
0
1564203 225/225 F 41,000.00 ZZ
180 40,772.53 1
146 RICHMOND HEIGHTS BOULEVARD 8.500 403.75 50
8.250 403.75 82,500.00
BRANSON MO 65616 2 03/27/97 00
804291500 03 05/01/97 0
804291500 O 04/01/12
0
1564242 E22/G02 F 27,350.00 ZZ
180 27,203.28 1
4214 INVERRARY BLVD, UNIT #89A 8.875 275.37 75
8.625 275.37 36,481.00
LAUDERHILL FL 33319 1 03/11/97 00
0410351456 01 05/01/97 0
410351456 N 04/01/12
0
1564376 G15/G15 F 105,000.00 ZZ
180 104,709.77 1
295 GILMAN STREET 8.500 1,033.98 57
8.250 1,033.98 186,000.00
BRIDGEPORT CT 06460 5 04/02/97 00
00000 05 06/01/97 0
00000 N 05/01/12
0
1
1564569 G81/G02 F 81,250.00 ZZ
180 80,804.23 4
172 WEST 33RD STREET 8.625 806.07 65
8.375 806.07 125,000.00
HIALEAH FL 33012 1 04/01/97 00
0430196493 05 05/01/97 0
021703079 N 04/01/12
0
1564686 664/G02 F 112,000.00 ZZ
180 111,378.65 4
3810 S ASHLAND AVENUE 8.500 1,102.91 61
8.250 1,102.91 185,000.00
CHICAGO IL 60609 5 03/13/97 00
0430181016 05 05/01/97 0
2255248 N 04/01/12
0
1564763 624/G02 F 122,400.00 ZZ
180 118,487.89 1
371 GREENWICH WAY 8.000 1,169.72 80
7.750 1,169.72 153,000.00
SALINAS CA 93907 5 03/24/97 00
0430201723 05 05/01/97 0
87000170084 O 04/01/12
0
1565060 450/450 F 223,800.00 ZZ
180 222,544.55 1
4500 ROLAND AVENUE 8.375 2,187.48 71
#407 8.125 2,187.48 319,000.00
HIGHLAND PARK TX 75219 1 03/13/97 00
4302752 09 05/01/97 0
4302752 O 04/01/12
0
1565120 F16/G02 F 30,000.00 T
180 29,048.74 1
828 PINE LANE 8.250 291.05 50
8.000 291.05 60,000.00
SUGARLOAF CA 92314 5 03/21/97 00
0430193540 05 05/01/97 0
97816840 O 04/01/12
0
1565134 E22/G02 F 37,800.00 ZZ
180 37,608.30 2
1410 HOLLAND AVENUE EAST 9.500 394.72 90
9.250 394.72 42,000.00
1
TAMPA FL 33612 1 03/13/97 04
0410354955 05 05/01/97 25
410354955 N 04/01/12
0
1565154 E22/G02 F 36,500.00 ZZ
180 36,299.75 1
7543 WABASH 8.625 362.11 59
8.375 362.11 62,000.00
KANSAS CITY MO 64132 1 03/14/97 00
0410367635 05 05/01/97 0
410367635 O 04/01/12
0
1565169 560/560 F 34,700.00 ZZ
180 34,606.21 1
632 A STREET 8.750 346.81 53
8.500 346.81 65,800.00
STAUNTON VA 24401 1 04/03/97 00
450684907 05 06/01/97 0
450684907 N 05/01/12
0
1565170 560/560 F 34,700.00 ZZ
180 34,606.21 1
634 A STREET 8.750 346.81 53
8.500 346.81 65,800.00
STAUNTON VA 24401 1 04/03/97 00
459464707 05 06/01/97 0
459464707 N 05/01/12
0
1565172 560/560 F 34,700.00 ZZ
180 34,606.21 1
636 A STREET 8.750 346.81 53
8.500 346.81 65,800.00
STAUNTON VA 24401 1 04/03/97 00
450684881 05 06/01/97 0
450684881 N 05/01/12
0
1565324 874/G02 F 125,000.00 ZZ
120 119,607.31 2
975 & 977 BERRUM LANE 8.500 1,549.82 84
8.250 1,549.82 150,000.00
RENO NV 89509 1 03/26/97 10
0430195644 05 05/01/97 12
3710998 N 04/01/07
0
1
1565453 201/G02 F 30,400.00 ZZ
180 30,131.76 1
2302 QUIVER LANE 7.875 288.33 80
7.625 288.33 38,000.00
HOUSTON TX 77067 1 02/21/97 00
0430178632 03 04/01/97 0
7800971041 O 03/01/12
0
1565514 G51/G02 F 22,400.00 ZZ
180 22,344.70 2
121 MAPLE STREET 9.750 237.30 90
9.500 237.30 24,900.00
JAMESTOWN NY 14701 1 04/28/97 10
0430222596 05 06/01/97 30
198300 N 05/01/12
0
1565548 E22/G02 F 81,000.00 ZZ
180 80,593.88 3
1858 GARFIELD 9.625 851.94 90
8.875 851.94 90,000.00
LINCOLN PARK MI 48146 1 03/14/97 10
0410355770 05 05/01/97 25
410355770 N 04/01/12
0
1565654 140/G02 F 29,700.00 ZZ
180 29,618.82 1
1721 C VALLEY AVENUE 8.625 294.65 90
8.375 294.65 33,000.00
HOMEWOOD AL 35209 1 04/22/97 04
0430218065 01 06/01/97 25
UNKNOWN N 05/01/12
0
1565705 B75/G02 F 44,900.00 ZZ
180 44,786.60 4
900 WEST MARION STREET 9.500 468.86 90
9.250 468.86 49,900.00
ELKHART IN 46516 1 04/24/97 04
0430229187 05 06/01/97 25
2822351 N 05/01/12
0
1565713 A52/G02 F 58,000.00 ZZ
180 57,667.36 1
1
1215 HIGHWAY 29 8.125 558.47 62
7.875 558.47 94,000.00
DACULA GA 30211 5 04/04/97 00
0430192807 05 05/01/97 0
UNKNOWN N 04/01/12
0
1565859 757/757 F 80,000.00 ZZ
180 79,541.17 1
159 WEDINCAMP DRIVE 8.125 770.31 59
7.875 770.31 137,000.00
HINESVILLE GA 31313 5 03/12/97 00
2880177 05 05/01/97 0
2880177 O 04/01/12
0
1566134 E22/G02 F 66,500.00 ZZ
180 66,067.57 1
34279 LITTLE MACK 8.250 645.14 70
8.000 645.14 95,000.00
CLINTON TOWNSHI MI 48035 1 03/18/97 00
0410355820 05 05/01/97 0
410355820 O 04/01/12
0
1566138 E22/G02 F 70,000.00 ZZ
180 69,615.96 1
1734 RIVER BLUFF 8.625 694.46 75
8.375 694.46 93,500.00
NILES MI 49120 2 03/12/97 00
0410367791 05 05/01/97 0
410367791 O 04/01/12
0
1566141 E22/G02 F 141,600.00 ZZ
180 140,814.45 1
94-36 114TH STREET 8.500 1,394.39 80
8.250 1,394.39 177,000.00
RICHMOND HILL NY 11419 2 03/05/97 00
0410355192 05 05/01/97 0
410355192 O 04/01/12
0
1566151 664/G02 F 43,200.00 ZZ
180 43,080.59 1
521 MEADOW KNOLL DRIVE 8.500 425.41 90
8.250 425.41 48,000.00
STAFFORD TX 77477 1 04/16/97 10
0430215129 05 06/01/97 25
1
2149979 N 05/01/12
0
1566177 405/405 F 111,300.00 ZZ
180 110,689.14 3
5-7 GLOVER PLACE 8.625 1,104.19 70
8.375 1,104.19 159,000.00
DORCHESTER MA 02122 5 03/11/97 00
4116430 05 05/01/97 0
4116430 N 04/01/12
0
1566211 201/G02 F 23,850.00 ZZ
180 23,724.89 1
13525 CASTILIAN DRIVE 9.125 243.68 90
8.875 243.68 26,500.00
HOUSTON TX 77015 1 03/03/97 04
0430181214 09 05/01/97 25
7800973567 N 04/01/12
0
1566297 A46/G02 F 33,750.00 ZZ
180 33,562.76 1
2312 MAPLE DRIVE 8.500 332.35 90
8.250 332.35 37,500.00
MIDWEST CITY OK 73110 1 04/04/97 04
0430214221 05 05/01/97 30
UNKNOWN N 04/01/12
0
1566441 E22/G02 F 34,400.00 ZZ
180 34,213.37 1
215 30 STREET UNIT #3 8.750 343.81 80
8.500 343.81 43,000.00
MIAMI BEACH FL 33140 1 03/18/97 04
0410376040 01 05/01/97 12
410376040 N 04/01/12
0
1566443 E22/G02 F 127,800.00 ZZ
180 127,050.69 1
957 FALLING WATER ROAD 7.875 1,212.12 80
7.625 1,212.12 159,800.00
FT LAUDERDALE FL 33326 1 03/18/97 00
0410375109 03 05/01/97 0
410375109 O 04/01/12
0
1
1566446 E22/G02 F 78,750.00 T
180 78,268.75 1
RT 1, LOT 15 DETWILER DRIVE 8.375 769.72 75
8.125 769.72 105,000.00
BUFFALO JUNCTIO VA 24529 5 03/14/97 00
0410353338 05 05/01/97 0
410353338 O 04/01/12
0
1566449 180/G02 F 116,900.00 ZZ
180 116,900.00 4
2635 SANDBURY BOULEVARD 8.875 1,177.00 70
8.625 1,177.00 167,000.00
COLUMBUS OH 43235 5 05/10/97 00
0430237693 05 07/01/97 0
4739512 N 06/01/12
0
1566458 E22/G02 F 106,000.00 ZZ
180 105,431.32 1
12903 S. 273RD EAST AVE 8.875 1,067.25 8
8.625 1,067.25 1,325,000.00
COWETA OK 74429 2 03/13/97 00
0410215206 05 05/01/97 0
410215206 O 04/01/12
0
1566491 A06/G02 F 85,000.00 T
180 84,523.16 1
984 OAKWOOD DRIVE 8.375 830.82 44
8.125 830.82 197,000.00
GAYLORD MI 49735 5 03/10/97 00
0430186148 05 05/01/97 0
1000009607284 O 04/01/12
0
1566560 966/G02 F 36,900.00 ZZ
180 36,706.43 1
7937 ROYAL LANE #224 9.125 377.01 90
8.875 377.01 41,000.00
DALLAS TX 75230 1 03/07/97 12
0430184515 01 05/01/97 25
40003198 N 04/01/12
0
1566593 G52/G02 F 39,200.00 ZZ
180 38,987.31 1
1607 SOUTH VAN BUREN 8.750 391.79 70
8.500 391.79 56,000.00
1
TUCSON AZ 85711 5 03/20/97 00
0430184374 05 05/01/97 0
97000025 N 04/01/12
0
1566594 G52/G02 F 31,500.00 ZZ
180 31,329.10 1
3831 SOUTH PALMSIDE DRIVE 8.750 314.83 70
8.500 314.83 45,000.00
TUCSON AZ 85730 5 03/20/97 00
0430184556 03 05/01/97 0
97000056 N 04/01/12
0
1566613 225/225 F 25,500.00 ZZ
180 25,431.08 1
2001 BERING DRIVE 8.750 254.86 75
#7D 8.500 254.86 34,000.00
HOUSTON TX 77057 1 04/08/97 00
804235100 01 06/01/97 0
804235100 N 05/01/12
0
1566614 638/G02 F 58,500.00 ZZ
180 58,352.26 1
2602 LINKWOOD AVENUE 9.500 610.87 90
9.250 610.87 65,000.00
WILMINGTON DE 19805 1 04/09/97 10
0430204800 05 06/01/97 25
8628081 N 05/01/12
0
1566628 638/G02 F 67,500.00 ZZ
180 67,149.88 2
100-102 JESTER CIRCLE 9.250 694.70 90
9.000 694.70 75,000.00
LONGVIEW TX 75604 1 03/28/97 14
0430196014 05 05/01/97 25
08626720 N 04/01/12
0
1566861 828/G02 F 177,750.00 ZZ
180 177,230.61 1
6 INWOOD WAY 7.875 1,685.87 75
7.625 1,685.87 237,000.00
SAN ANTONIO TX 78248 1 04/09/97 00
0430216978 05 06/01/97 0
78260001 O 05/01/12
0
1
1566897 F30/G02 F 50,000.00 ZZ
180 49,703.60 1
238 EAST 700 NORTH 7.750 470.64 55
7.500 470.64 92,000.00
LOGAN UT 84321 5 03/11/97 00
0430184184 05 05/01/97 0
10548 N 04/01/12
0
1566907 731/G02 F 37,050.00 T
180 36,846.73 1
18619 COLLINS STREET 8.625 367.57 65
NO F28 8.375 367.57 57,000.00
TARZANA AREA CA 91356 1 03/13/97 00
0430194365 01 05/01/97 0
413313377 O 04/01/12
0
1566952 E22/G02 F 75,000.00 ZZ
180 74,574.58 1
6306 FALL RIVER WAY 8.250 727.61 75
8.000 727.61 100,000.00
SACRAMENTO CA 95824 2 03/18/97 00
0410372585 05 05/01/97 0
410372585 O 04/01/12
0
1566953 E22/G02 F 25,000.00 ZZ
180 24,867.36 1
1558 FIRST STREET 9.000 253.57 19
8.750 253.57 132,000.00
MINDEN NV 89423 5 03/20/97 00
0410277552 05 05/01/97 0
410277552 O 04/01/12
0
1566968 E22/G02 F 19,200.00 ZZ
180 19,098.14 2
933 & 935 N EWING ST 9.000 194.74 80
8.750 194.74 24,000.00
INDIANAPOLIS IN 46201 1 03/20/97 00
0410363766 05 05/01/97 0
410363766 N 04/01/12
0
1566975 E22/G02 F 72,000.00 ZZ
180 71,207.69 1
1
1700 17TH STREET N W #607 8.250 698.50 75
8.000 698.50 96,000.00
WASHINGTON DC 20009 1 03/21/97 00
0410377758 08 05/01/97 0
410377758 N 04/01/12
0
1566982 E22/G02 F 58,950.00 ZZ
180 58,644.22 1
109 OVERLAND TRAIL 9.250 606.71 90
9.000 606.71 65,500.00
MESQUITE TX 75149 1 03/20/97 04
0410369482 05 05/01/97 25
410369482 N 04/01/12
0
1566995 E22/G02 F 88,000.00 ZZ
180 87,511.80 1
2161 SW 24 STREET 8.500 866.57 54
8.250 866.57 164,000.00
MIAMI FL 33145 5 03/20/97 00
0410355234 05 05/01/97 0
410355234 O 04/01/12
0
1567005 683/G02 F 86,000.00 ZZ
180 85,777.81 1
15 QUARRY DRIVE 9.250 885.11 74
9.000 885.11 117,000.00
SOUTH BERWICK ME 03908 1 04/08/97 00
0430199315 05 06/01/97 0
368446541 N 05/01/12
0
1567008 975/G02 F 185,000.00 ZZ
180 184,482.91 1
8041 VALLEY FLORES DRIVE 8.375 1,808.24 57
(WEST HILLS AREA) 8.125 1,808.24 330,000.00
LOS ANGELES CA 91304 1 04/01/97 00
0430200329 05 06/01/97 0
970615 O 05/01/12
0
1567052 286/286 F 31,000.00 ZZ
180 30,820.22 1
1916 BAILEY STREET 8.000 296.26 89
7.750 296.26 35,000.00
SAN ANGELO TX 76903 1 03/10/97 04
09163201 05 05/01/97 25
1
09163201 N 04/01/12
0
1567055 286/286 F 22,000.00 ZZ
180 20,884.40 1
2100 WOODLAWN DRIVE 8.500 216.65 33
8.250 216.65 68,000.00
MIDLAND TX 79705 1 03/04/97 00
09164137 05 05/01/97 0
09164137 O 04/01/12
0
1567063 B24/G02 F 130,000.00 ZZ
180 129,671.68 2
8 SUMMER STREET 9.500 1,357.49 65
9.250 1,357.49 200,000.00
NORWALK CT 06850 5 04/03/97 00
0430191619 05 06/01/97 0
UNKNOWN N 05/01/12
0
1567128 731/G02 F 172,000.00 ZZ
180 171,024.38 1
110 E. CALIFORNIA AVENUE 8.250 1,668.64 76
8.000 1,668.64 228,000.00
SUNNYALE CA 94086 2 03/07/97 00
0430187682 05 05/01/97 0
114253373 O 04/01/12
0
1567287 E22/G02 F 22,500.00 ZZ
180 22,381.96 1
19436 SCHAEFER 9.125 229.89 90
8.875 229.89 25,000.00
DETROIT MI 48221 1 03/06/97 04
0410279491 05 05/01/97 25
410279491 N 04/01/12
0
1567296 E22/G02 F 35,000.00 ZZ
180 34,812.87 1
1050 NORTH JEFFERSON AVENUE 9.125 357.60 90
8.875 357.60 38,900.00
INDIANAPOLIS IN 46201 1 03/21/97 04
0410364301 05 05/01/97 25
410364301 N 04/01/12
0
1
1567302 E22/G02 F 117,500.00 ZZ
180 116,439.45 1
26 PEABODY STREET 8.375 1,148.48 49
8.125 1,148.48 240,000.00
PISCATAWAY NJ 08854 2 03/20/97 00
0410350078 05 05/01/97 0
410350078 O 04/01/12
0
1567352 201/G02 F 51,750.00 ZZ
180 51,469.22 1
1471B SIXTY-EIGHTH STREET 8.750 517.22 90
8.500 517.22 57,500.00
NORTH BERGEN NJ 07047 1 03/07/97 04
0430185454 01 05/01/97 30
2800960946 O 04/01/12
0
1567361 687/G02 F 35,000.00 ZZ
180 34,807.97 1
2309 169TH STREET 8.625 347.23 70
8.375 347.23 50,000.00
HAMMOND IN 46323 5 03/11/97 00
0430188136 07 05/01/97 0
541427 N 04/01/12
0
1567616 076/076 F 260,000.00 ZZ
180 257,755.66 1
737 SWEETBRIAR ROAD 8.125 2,503.49 53
7.875 2,503.49 498,000.00
COLUMBIA SC 29205 2 02/21/97 00
6822932 05 04/01/97 0
6822932 O 03/01/12
0
1567637 E22/G02 F 45,500.00 ZZ
180 45,247.57 1
6346 S W 136TH COURT UNIT 201H 8.500 448.06 70
8.250 448.06 65,000.00
MIAMI FL 33183 2 03/25/97 00
0410355259 01 05/01/97 0
410355259 N 04/01/12
0
1567643 E22/G02 F 25,050.00 ZZ
180 24,917.12 2
3022 & 3024 W MICHIGAN STREET 9.000 254.07 90
8.750 254.07 27,870.00
1
INDIANAPOLIS IN 46222 1 03/24/97 04
0410363261 05 05/01/97 25
410363261 N 04/01/12
0
1567659 E22/G02 F 76,700.00 ZZ
180 76,311.04 2
4007 STONEBRIDGE DR UNIT A & B 9.500 800.92 80
9.250 800.92 95,900.00
ROUND ROCK TX 78681 1 03/24/97 23
0410315725 05 05/01/97 0
410315725 N 04/01/12
0
1567710 637/G02 F 38,500.00 ZZ
180 38,388.74 1
2310 MCCULLOH STREET 8.000 367.93 70
7.750 367.93 55,000.00
BALTIMORE MD 21217 5 04/09/97 00
0430220244 07 06/01/97 0
9441247 N 05/01/12
0
1567749 687/G02 F 72,750.00 ZZ
180 72,364.05 2
316 WEST LAFAYETTE STREET 9.000 737.88 75
8.750 737.88 97,000.00
WEST CHESTER PA 19380 1 03/21/97 00
0430190041 05 05/01/97 0
591367 N 04/01/12
0
1567777 776/G02 F 37,700.00 ZZ
180 37,497.74 1
201 BRISCOE AVENUE 8.875 379.58 59
8.625 379.58 64,000.00
O'FALLON MO 63366 5 03/21/97 00
0430196352 05 05/01/97 0
8440966 N 04/01/12
0
1567859 B37/G02 F 69,600.00 ZZ
180 69,407.62 1
4130 SW 107TH AVENUE 8.500 685.38 80
8.250 685.38 87,000.00
MIAMI FL 33165 1 04/22/97 01
0430248344 05 06/01/97 20
UNKNOWN N 05/01/12
0
1
1567925 E22/G02 F 141,100.00 ZZ
180 140,317.22 1
917 ROCK COURT 8.500 1,389.47 85
8.250 1,389.47 166,000.00
ANTIOCH CA 94509 5 03/21/97 23
0410277602 05 05/01/97 0
410277602 O 04/01/12
0
1567958 965/G02 F 103,950.00 ZZ
180 103,416.86 3
741 WEST 1ST PLACE 9.375 1,077.64 90
9.125 1,077.64 115,500.00
MESA AZ 85201 1 03/26/97 01
0430192971 05 05/01/97 30
192730 N 04/01/12
0
1567962 E22/G02 F 70,800.00 ZZ
180 60,339.71 2
3320 BERKLEY AVENUE 8.625 702.39 77
8.375 702.39 92,000.00
CLEVELAND HEIGH OH 44118 1 03/19/97 23
0410356059 05 05/01/97 0
410356059 N 04/01/12
0
1567966 E22/G02 F 90,400.00 ZZ
180 89,904.04 2
3326 E OVERLOOK RD 8.625 896.84 80
8.375 896.84 113,500.00
CLEVELAND HEIGH OH 44118 1 03/17/97 23
0410356067 05 05/01/97 0
410356067 N 04/01/12
0
1567995 G17/G02 F 285,000.00 ZZ
180 283,418.90 1
39531 LAKE DRIVE 8.500 2,806.51 49
8.250 2,806.51 585,000.00
BIG BEAR LAKE CA 92315 5 03/21/97 00
0430193615 05 05/01/97 0
273605 O 04/01/12
0
1568004 731/G02 F 120,000.00 ZZ
180 119,311.76 1
1
12345 EVEREST STREET 8.125 1,155.46 80
7.875 1,155.46 150,000.00
NORWALK CA 90650 2 03/24/97 00
0430195057 05 05/01/97 0
413313440 O 04/01/12
0
1568006 225/225 F 47,700.00 ZZ
180 47,565.18 1
909 W 13TH STREET 8.250 462.76 90
8.000 462.76 53,000.00
HOUSTON TX 77008 1 04/09/97 04
804462900 05 06/01/97 25
804462900 N 05/01/12
0
1568050 B28/G02 F 59,500.00 ZZ
180 59,173.57 1
3035 LANCELOT PLACE 8.625 590.29 70
8.375 590.29 85,000.00
GRAND JUNCTION CO 81504 1 03/21/97 00
0430191874 05 05/01/97 0
UNKNOWN N 04/01/12
0
1568136 405/405 F 265,000.00 ZZ
180 265,000.00 1
482 ROSS PLACE 8.500 2,609.56 58
8.250 2,609.56 461,000.00
OCEANSIDE NY 11572 1 05/15/97 00
4154613 05 07/01/97 0
4154613 O 06/01/12
0
1568337 286/286 F 54,200.00 ZZ
180 53,892.56 1
7214 SW 44TH PLACE 8.250 525.82 69
8.000 525.82 79,500.00
GAINESVILLE FL 32608 2 03/12/97 00
09161980 09 05/01/97 0
09161980 N 04/01/12
0
1568340 286/286 F 26,100.00 ZZ
180 25,961.52 1
109 COLLINS COURT 9.000 264.73 90
8.750 264.73 29,050.00
BLUE MOUND TX 76131 1 03/14/97 12
09163970 05 05/01/97 25
1
09163970 N 04/01/12
0
1568475 A33/G02 F 44,100.00 ZZ
180 43,983.46 1
20506 WESTHAVEN 9.000 447.29 90
8.750 447.29 49,000.00
SOUTHFIELD MI 48075 1 04/21/97 04
0430213199 05 06/01/97 25
001037979 N 05/01/12
0
1568532 E22/G02 F 19,350.00 ZZ
180 19,248.48 1
232 NORTH HARDY 9.125 197.71 53
8.875 197.71 37,000.00
INDEPENDENCE MO 64053 2 03/10/97 00
0410321434 05 05/01/97 0
410321434 N 04/01/12
0
1568533 E22/G02 F 26,600.00 ZZ
180 26,442.31 1
323 FOREST PARK UNIT# 6-1 7.750 250.38 70
7.500 250.38 38,000.00
MADISON TN 37115 1 03/27/97 00
0410376610 01 05/01/97 0
410376610 N 04/01/12
0
1568540 E22/G02 F 50,000.00 ZZ
180 49,746.44 3
663 NORTH 6TH STREET 9.500 522.11 31
9.250 522.11 165,000.00
NEWARK NJ 07107 5 03/26/97 00
0410353254 05 05/01/97 0
410353254 N 04/01/12
0
1568543 E22/G02 F 45,000.00 ZZ
180 44,755.87 1
348 E TENTH AVENUE 8.750 449.75 80
8.500 449.75 56,900.00
MT. DORA FL 32757 1 03/28/97 00
0410378228 05 05/01/97 0
410378228 O 04/01/12
0
1
1568555 E22/G02 F 33,300.00 ZZ
180 33,142.31 2
119-119 1/2 SOUTH 10TH STREET 10.250 362.95 90
10.000 362.95 37,000.00
RICHMOND IN 47374 1 03/27/97 04
0410364673 05 05/01/97 25
410364673 N 04/01/12
0
1568693 661/661 F 64,000.00 ZZ
180 62,642.32 1
2959 CLUBVIEW DRIVE 7.750 602.41 99
UNIT 431 7.500 602.41 65,000.00
ORLANDO FL 32822 1 12/13/96 92
2740496 01 02/01/97 30
2740496 O 01/01/12
0
1568694 661/661 F 645,900.00 T
180 638,192.69 1
11055 MONTAUBON CIRCLE 7.750 6,079.70 100
7.500 6,079.70 645,900.00
SAN DIEGO CA 92131 1 01/17/97 92
2756302 03 03/01/97 30
2756302 O 02/01/12
0
1568695 661/661 F 150,950.00 ZZ
180 148,691.15 1
907 NORTH DAWSON STREET 7.750 1,420.86 100
7.500 1,420.86 150,950.00
THOMASVILLE GA 31792 1 12/30/96 92
2762508 05 02/01/97 30
2762508 O 01/01/12
0
1568696 661/661 F 159,000.00 ZZ
180 124,932.97 1
1444 HEIGHTS BOULEVARD 7.500 1,473.95 100
7.250 1,473.95 159,000.00
HOUSTON TX 77008 1 12/30/96 92
2768018 05 02/01/97 30
2768018 O 01/01/12
0
1568698 661/661 F 218,000.00 ZZ
180 215,398.65 1
2400 HARRISON AVENUE 7.750 2,051.99 100
7.500 2,051.99 218,000.00
1
FORT WORTH TX 76110 1 01/03/97 92
2780740 05 03/01/97 30
2780740 O 02/01/12
0
1568699 661/661 F 285,000.00 ZZ
180 280,735.24 1
480 THALIA STREET 7.750 2,682.63 91
7.500 2,682.63 315,000.00
LAGUNA BEACH CA 92651 1 12/23/96 92
2737476 05 02/01/97 30
2737476 O 01/01/12
0
1568733 757/757 F 24,750.00 ZZ
180 24,609.62 1
2680 RUNION ROAD 8.250 240.11 90
8.000 240.11 27,500.00
INMAN SC 29349 1 03/31/97 01
2952026 05 05/01/97 25
2952026 N 04/01/12
0
1568739 B75/G02 F 40,250.00 ZZ
180 40,026.70 1
2725 HUNTERS COURT 8.500 396.36 70
8.250 396.36 57,500.00
OGDEN UT 84401 5 03/21/97 00
0430194423 05 05/01/97 0
2911386 N 04/01/12
0
1568773 E22/G02 F 34,200.00 ZZ
180 34,026.57 1
1216 LEONARD STREET 9.500 357.13 90
9.250 357.13 38,000.00
ELKHART IN 46516 1 03/04/97 04
0410356836 05 05/01/97 25
410356836 N 04/01/12
0
1568783 E22/G02 F 75,750.00 ZZ
180 75,329.76 1
708 OAK RIDGE DRIVE 8.500 745.94 75
8.250 745.94 101,000.00
SAND SPRINGS OK 74063 2 03/20/97 00
0410314033 05 05/01/97 0
410314033 O 04/01/12
0
1
1568813 377/377 F 52,200.00 ZZ
180 51,923.07 2
4307A RHAWN STREET 9.000 529.45 90
8.750 529.45 58,000.00
CITY OF PHILADE PA 19136 1 03/31/97 01
3604725 05 05/01/97 25
3604725 N 04/01/12
0
1568818 E22/G02 F 62,250.00 ZZ
180 61,826.05 1
9515 SUMMERHILL LANE 8.625 617.57 75
8.375 617.57 83,000.00
DALLAS TX 75238 1 03/31/97 00
0410371181 05 05/01/97 0
410371181 O 04/01/12
0
1568857 286/286 F 31,500.00 ZZ
180 31,331.00 1
1633 MERRICK ROAD 8.875 317.16 65
8.625 317.16 49,000.00
LAKELAND FL 33801 5 03/14/97 00
09162965 05 05/01/97 0
09162965 O 04/01/12
0
1568879 737/G02 F 93,600.00 ZZ
180 93,119.93 4
219 S DORAN STREET 9.375 970.35 90
9.125 970.35 104,900.00
MESA AZ 85204 1 03/19/97 01
0430211912 05 05/01/97 25
512536 N 04/01/12
0
1568910 593/593 F 74,750.00 ZZ
180 74,125.74 1
2780 SOUTH TONAQUINT DRIVE 8.500 736.10 65
8.250 736.10 115,000.00
ST. GEORGE UT 84790 5 02/19/97 00
6759062 05 04/01/97 0
6759062 N 03/01/12
0
1568945 608/G02 F 146,800.00 ZZ
180 145,994.63 1
1
3400 HONEY RUN ROAD 8.625 1,456.37 80
8.375 1,456.37 183,500.00
AMBLER PA 19002 1 03/31/97 00
0430193201 09 05/01/97 0
95388 O 04/01/12
0
1568986 B68/G02 F 105,000.00 ZZ
180 104,716.21 1
332 CITRUS STREET 8.750 1,049.42 75
8.500 1,049.42 140,000.00
SANTA PAULA CA 93060 2 04/15/97 00
0430213108 05 06/01/97 0
47027025 O 05/01/12
0
1569259 E22/G02 F 56,950.00 ZZ
180 56,433.35 1
5200 NE 5TH AVENUE 8.500 560.81 38
8.250 560.81 151,000.00
MIAMI FL 33137 2 03/26/97 00
0410375497 05 05/01/97 0
410375497 O 04/01/12
0
1569290 E22/G02 F 33,600.00 ZZ
180 33,417.72 1
75 HOLY CROSS ROAD UNIT 6B 8.750 335.81 80
8.500 335.81 42,000.00
COLCHESTER VT 05446 1 03/24/97 04
0410376859 01 05/01/97 12
410376859 N 04/01/12
0
1569301 E22/G02 F 48,700.00 ZZ
180 48,432.82 1
918 DOLPHIN ST 8.625 483.14 80
8.375 483.14 60,875.00
STUART FL 34996 1 03/24/97 04
0410354393 05 05/01/97 12
410354393 N 04/01/12
0
1569314 E22/G02 F 184,000.00 ZZ
180 182,990.53 1
53 HOMESTEAD AVENUE 8.625 1,825.43 74
8.375 1,825.43 250,000.00
EAST HANOVER NJ 07936 2 03/18/97 00
0410351373 05 05/01/97 0
1
410351373 O 04/01/12
0
1569318 766/G02 F 35,500.00 ZZ
180 35,307.40 1
2801 NE 183 ST #1503 8.750 354.80 69
8.500 354.80 51,500.00
MIAMI FL 33160 2 03/27/97 00
0430198523 06 05/01/97 0
97SG0121 O 04/01/12
0
1569454 561/G02 F 93,750.00 ZZ
180 93,212.30 3
452 GRAND STREET 8.125 902.71 75
7.875 902.71 125,000.00
TRENTON NJ 08611 2 03/25/97 00
0430195032 07 05/01/97 0
8972036 N 04/01/12
0
1569591 E22/G02 F 66,000.00 ZZ
180 65,817.57 1
45771 PANORAMA DRIVE 8.500 649.93 53
8.250 649.93 125,000.00
PALM DESERT CA 92260 2 03/26/97 00
0410297840 05 06/01/97 0
410297840 O 05/01/12
0
1569609 E22/G02 F 125,000.00 ZZ
180 124,669.67 2
2844 - 2846 EAST BROADWAY 9.000 1,267.83 72
STREET 8.750 1,267.83 175,000.00
HUNTINGTON PARK CA 90255 5 03/26/97 00
0410361737 05 06/01/97 0
410361737 O 05/01/12
0
1569768 G52/G02 F 57,000.00 ZZ
180 56,650.83 1
228 WEST ELM STREET 7.375 524.36 75
7.125 524.36 76,000.00
TUCSON AZ 85705 1 03/11/97 00
0430203463 05 05/01/97 0
195486 N 04/01/12
0
1
1569809 369/G02 F 128,400.00 ZZ
180 127,711.13 1
1703 BOUDINOT AVENUE 8.875 1,292.79 80
8.625 1,292.79 161,000.00
BURLINGTON NJ 08016 5 03/18/97 00
0430206730 05 05/01/97 0
0060406675 O 04/01/12
0
1569838 E22/G02 F 67,200.00 ZZ
180 66,805.99 1
6415 S.W. 116TH PLACE 7.875 637.36 80
UNIT #G 7.625 637.36 84,000.00
MIAMI FL 33173 1 04/01/97 00
0410355135 01 05/01/97 0
410355135 O 04/01/12
0
1569845 E22/G02 F 120,000.00 ZZ
180 118,703.31 1
7150 PINCKNEY ROAD 8.500 1,181.69 64
8.250 1,181.69 189,500.00
PINCKNEY MI 48169 5 03/26/97 00
0410344758 05 05/01/97 0
410344758 O 04/01/12
0
1569854 E22/G02 F 33,450.00 ZZ
180 33,266.48 1
10618 KIRKHILL DRIVE 8.625 331.85 75
8.375 331.85 44,600.00
HOUSTON TX 77089 1 03/31/97 00
0410370852 09 05/01/97 0
410370852 N 04/01/12
0
1569857 E22/G02 F 78,750.00 T
180 78,350.64 1
2477 ST AUGUSTINE BLVD 9.500 822.33 75
9.250 822.33 105,000.00
HAINES CITY FL 33844 1 03/24/97 00
0410340491 09 05/01/97 0
410340491 O 04/01/12
0
1569860 E22/G02 F 65,000.00 ZZ
180 64,635.37 1
855 WEST 72ND STREET 8.375 635.33 42
8.125 635.33 155,000.00
1
HIALEAH FL 33014 5 03/26/97 00
0410379010 05 05/01/97 0
410379010 O 04/01/12
0
1569873 E22/G02 F 116,000.00 ZZ
180 115,327.31 1
3859 BELMONT WAY 8.000 1,108.56 80
7.750 1,108.56 145,000.00
PLEASANTON CA 94588 2 03/25/97 00
0410360465 09 05/01/97 0
410360465 O 04/01/12
0
1569905 001/G02 F 85,100.00 T
180 84,872.56 1
35 OLYMPIA ROAD 8.875 856.83 60
8.625 856.83 142,000.00
MARSHFIELD MA 02050 1 05/01/97 00
0430248781 05 06/01/97 0
1516578 O 05/01/12
0
1569917 A80/G02 F 540,000.00 ZZ
180 538,620.59 1
205 CAOBA COURT 9.375 5,598.16 54
9.125 5,598.16 1,000,000.00
CORAL GABLES FL 33143 2 04/22/97 00
0430220012 05 06/01/97 0
9750075 O 05/01/12
0
1569943 637/G02 F 119,200.00 ZZ
180 118,870.52 1
1204 GREY FOX HOLLOW DRIVE 8.500 1,173.81 80
8.250 1,173.81 149,000.00
WINTER HAVEN FL 33880 1 04/18/97 00
0430218206 03 06/01/97 0
9642752 O 05/01/12
0
1569956 664/G02 F 28,800.00 ZZ
180 28,641.99 1
308 CALGARY ROAD 8.625 285.72 90
8.375 285.72 32,000.00
AZLE TX 76020 1 03/28/97 10
0430201004 05 05/01/97 25
2208130 N 04/01/12
0
1
1569960 638/G02 F 177,500.00 T
180 176,481.97 1
1565 PEE ROAD 8.125 1,709.12 66
UNIT 134 7.875 1,709.12 270,000.00
KOLOA HI 96756 2 03/31/97 00
0430222182 01 05/01/97 0
08627745 O 04/01/12
0
1570073 253/253 F 49,500.00 ZZ
180 49,212.57 1
70 BELGIUM 8.000 473.05 56
7.750 473.05 89,000.00
MORIARITY NM 87035 5 03/24/97 00
327640 05 05/01/97 0
327640 O 04/01/12
0
1570074 480/G02 F 31,500.00 ZZ
180 31,336.60 1
32 MARTIN LUTHER KING DRIVE 9.250 324.20 90
9.000 324.20 35,000.00
CARTERSVILLE GA 30120 1 03/28/97 12
0430206151 05 05/01/97 25
2036002 N 04/01/12
0
1570102 E22/G02 F 84,000.00 ZZ
180 63,539.15 1
17756 38TH LANE NORTH 8.625 833.35 80
8.375 833.35 105,000.00
LOXAHATCHEE FL 33470 1 04/02/97 00
0410377212 05 05/01/97 0
410377212 O 04/01/12
0
1570125 225/225 F 25,200.00 ZZ
180 25,132.64 1
4816 SHIRLEY AVENUE 8.875 253.73 70
8.625 253.73 36,000.00
JACKSONVILLE FL 32210 5 04/22/97 00
804026700 05 06/01/97 0
804026700 N 05/01/12
0
1570129 B65/G02 F 48,750.00 ZZ
180 48,625.47 1
1
1301 WEST 37TH STREET 9.375 505.39 75
9.125 505.39 65,000.00
LORAIN OH 44053 1 04/29/97 00
0430208728 05 06/01/97 0
30397170 N 05/01/12
0
1570184 229/G02 F 348,250.00 T
180 347,340.02 1
1166 VILLAGE ROAD 9.125 3,558.13 70
B401 8.875 3,558.13 497,500.00
AVON CO 81620 2 05/02/97 00
0430231183 08 06/01/97 0
0007454861 O 05/01/12
0
1570231 225/225 F 30,700.00 ZZ
180 30,700.00 1
49 ROBIN STREET 9.250 315.97 90
9.000 315.97 34,150.00
ROCHESTER NY 14613 1 05/08/97 04
8044516 05 07/01/97 25
8044516 N 06/01/12
0
1570387 828/G02 F 75,600.00 T
180 75,395.66 1
1207 GOLDEN POND 8.750 755.59 70
UNIT 301 8.500 755.59 108,000.00
SAN ANTONIO TX 78248 1 04/30/97 00
0430229864 01 06/01/97 0
76430008 O 05/01/12
0
1570409 F46/G02 F 170,000.00 ZZ
180 170,000.00 1
22000 ANGUS ROAD 8.500 1,674.06 52
8.250 1,674.06 330,000.00
GRETNA NE 68028 5 04/28/97 00
0430220731 05 07/01/97 0
120545 O 06/01/12
0
1570423 E22/G02 F 68,600.00 T
180 68,252.11 1
14511 QUAIL TRAIL CIRCLE 9.500 716.34 70
9.250 716.34 98,000.00
ORLANDO FL 32837 1 03/26/97 00
0410376230 03 05/01/97 0
1
410376230 O 04/01/12
0
1570424 758/G02 F 152,350.00 ZZ
180 151,909.73 1
6847 STAFFORDSHIRE BOULEVARD 8.000 1,455.94 75
7.750 1,455.94 203,150.00
HOUSTON TX 77030 1 04/25/97 00
0430221929 03 06/01/97 0
97107514 O 05/01/12
0
1570436 E22/G02 F 62,300.00 ZZ
180 61,961.99 1
8725 N. 26TH STREET 8.750 622.66 70
8.500 622.66 89,000.00
TAMPA FL 33604 2 03/31/97 00
0410378970 05 05/01/97 0
410378970 O 04/01/12
0
1570443 405/405 F 50,900.00 ZZ
180 50,763.96 1
3445 LOWER HONOAPIILANI ROAD 8.875 512.49 60
#542 8.625 512.49 86,000.00
LAHAINA HI 96761 5 04/21/97 00
4201265 21 06/01/97 0
4201265 N 05/01/12
0
1570473 405/405 F 50,900.00 ZZ
180 50,763.96 1
3445 LOWER HONOAIILANI ROAD #4 8.875 512.49 60
39 8.625 512.49 85,000.00
LAHAINA HI 96761 1 04/21/97 00
4205571 22 06/01/97 0
4205571 N 05/01/12
0
1570594 593/593 F 90,000.00 ZZ
180 88,315.75 1
3541 WEST 1700 SO 9.125 919.55 66
8.875 919.55 138,000.00
SYRACUSE UT 84075 2 10/28/96 00
6476931 05 12/01/96 0
6476931 O 11/01/11
0
1
1570697 B26/G02 F 97,000.00 ZZ
180 97,000.00 1
1318 CAMBRIA STREET 9.000 983.84 63
8.750 983.84 155,000.00
UNIONDALE NY 11553 2 05/09/97 00
0430231001 05 07/01/97 0
1311012046R O 06/01/12
0
1570830 E22/G02 F 43,200.00 ZZ
180 42,985.85 2
1956-1958 NORTH HARCO 9.750 457.64 90
9.500 457.64 48,000.00
BATON ROUGE LA 70815 1 04/03/97 10
0410370134 05 05/01/97 25
410370134 N 04/01/12
0
1570852 003/G02 F 45,100.00 ZZ
180 44,984.79 1
360 G WINDING RIVER DRIVE 9.375 467.55 95
9.125 467.55 47,500.00
DUNWOODY GA 30350 1 04/08/97 12
0430200725 01 06/01/97 30
0003836681 O 05/01/12
0
1570916 562/562 F 75,000.00 ZZ
180 74,593.10 1
93 LOCUST AVENUE 8.750 749.59 60
8.500 749.59 125,000.00
CORTLANDT MANOR NY 10566 5 03/26/97 00
533281 05 05/01/97 0
533281 N 04/01/12
0
1570966 560/560 F 26,000.00 ZZ
180 25,858.93 1
24552 WILMONT 8.750 259.86 47
8.500 259.86 56,000.00
EASTPOINTE MI 48021 5 03/13/97 00
450662523 05 05/01/97 0
450662523 N 04/01/12
0
1570972 560/560 F 150,000.00 ZZ
180 149,195.25 1
315 SOUNDVIEW AVENUE 8.875 1,510.27 62
8.625 1,510.27 245,000.00
1
SHELTON CT 06484 1 03/31/97 00
450681275 05 05/01/97 0
450681275 O 04/01/12
0
1570979 560/560 F 50,000.00 ZZ
180 49,472.40 1
4210 MIRA LOMA DRIVE 8.250 485.08 33
8.000 485.08 153,000.00
RENO NV 89502 5 02/24/97 00
450651104 05 04/01/97 0
450651104 N 03/01/12
0
1571119 560/560 F 75,000.00 ZZ
180 74,588.51 1
3751 W 71ST STREET 8.625 744.07 75
8.375 744.07 100,000.00
INDIANAPOLIS IN 46268 1 03/31/97 00
450681630 05 05/01/97 0
450681630 N 04/01/12
0
1571475 664/G02 F 56,000.00 ZZ
180 55,696.16 1
2307 PIERCE AVENUE 8.750 559.70 80
8.500 559.70 70,000.00
ROCKFORD IL 61103 2 04/02/97 00
0430201954 05 05/01/97 0
2281608 O 04/01/12
0
1571492 B75/G02 F 57,200.00 ZZ
180 56,896.55 1
3050 HIGHWAY 138 9.000 580.16 65
8.750 580.16 88,000.00
CONYERS GA 30208 5 03/20/97 00
0430234393 05 05/01/97 0
2904399 N 04/01/12
0
1571493 253/253 F 131,000.00 ZZ
180 130,265.13 1
4432 FAIR CREEK TERRACE 8.375 1,280.43 51
8.125 1,280.43 261,000.00
FORT WORTH TX 76008 1 03/06/97 00
326288 05 05/01/97 0
326288 O 04/01/12
0
1
1571522 G88/G02 F 80,000.00 ZZ
180 80,000.00 1
ROUTE 302 RR1 8.500 787.80 73
8.250 787.80 111,000.00
NAPLES ME 04055 2 05/02/97 00
0430223750 05 07/01/97 0
194360 O 06/01/12
0
1571543 369/G02 F 53,000.00 ZZ
180 52,709.22 1
2111 NORTHLAND ROAD 8.625 525.81 51
8.375 525.81 105,000.00
BALTIMORE MD 21207 2 03/18/97 00
0430203554 05 05/01/97 0
60407459 O 04/01/12
0
1571571 375/G02 F 101,000.00 ZZ
180 99,985.61 1
14 PATRICK AVENUE 8.250 979.85 58
8.000 979.85 175,000.00
BILLERICA MA 01821 5 02/27/97 00
0430206227 05 04/01/97 0
647598 O 03/01/12
0
1571583 560/560 F 47,900.00 ZZ
180 47,766.11 1
1302 E 68TH STREET 8.375 468.19 80
8.125 468.19 59,900.00
SAVANNAH GA 31404 1 04/07/97 00
450686878 05 06/01/97 0
450686878 O 05/01/12
0
1571597 560/560 F 18,450.00 ZZ
180 18,347.64 1
924 HOLTON STREET 8.500 181.69 90
8.250 181.69 20,500.00
LANSING MI 48917 1 03/20/97 04
450667696 05 05/01/97 25
450667696 N 04/01/12
0
1571618 E22/G02 F 120,000.00 ZZ
180 119,165.03 1
1
7100 DENLEE ROAD 8.375 1,172.91 67
8.125 1,172.91 180,000.00
RALEIGH NC 27603 2 03/25/97 00
0410353817 05 05/01/97 0
410353817 O 04/01/12
0
1571652 B28/G02 F 100,500.00 ZZ
180 100,500.00 4
118 GENERAL SOMERVELL NE 8.875 1,011.88 75
8.625 1,011.88 134,000.00
ALBUQUERQUE NM 87123 2 05/13/97 00
0430251702 05 07/01/97 0
05970464 N 06/01/12
0
1571856 074/G02 F 79,850.00 ZZ
180 79,175.77 1
10165 SW 141 COURT 8.375 780.47 75
8.125 780.47 106,500.00
MIAMI FL 33186 1 03/04/97 00
0430202994 03 04/01/97 0
1311284768 O 03/01/12
0
1572106 B75/G02 F 120,000.00 ZZ
180 119,326.84 1
3329 SOUTHWEST 13TH AVENUE 8.375 1,172.91 44
8.125 1,172.91 275,000.00
PORTLAND OR 97201 2 03/21/97 00
0430206318 05 05/01/97 0
2883643 O 04/01/12
0
1572147 E22/G02 F 72,500.00 T
180 72,115.38 1
3735 SPEAR POINTE DRIVE 9.000 735.34 27
8.750 735.34 272,515.00
ORLANDO FL 32837 1 03/31/97 00
0410376404 03 05/01/97 0
410376404 O 04/01/12
0
1572150 A33/G02 F 50,000.00 ZZ
180 50,000.00 1
19725 IMPERIAL 9.000 507.13 58
8.750 507.13 87,000.00
REDFORD MI 48240 5 05/01/97 00
0430229849 05 07/01/97 0
1
001038542 O 06/01/12
0
1572163 E22/G02 F 41,250.00 ZZ
180 41,141.00 1
14333 PRESTON RD.#1302 9.000 418.38 75
8.750 418.38 55,000.00
DALLAS TX 75248 1 04/09/97 00
0410391080 01 06/01/97 0
410391080 N 05/01/12
0
1572195 G86/G02 F 120,000.00 ZZ
180 119,675.66 4
1650 EAST ADELAIDE 8.750 1,199.34 48
8.500 1,199.34 250,000.00
TUCSON AZ 85719 5 04/30/97 00
0430222026 05 06/01/97 0
803365001 N 05/01/12
0
1572230 A33/G02 F 36,900.00 ZZ
180 36,900.00 1
5963 DANIELS 9.250 379.77 90
9.000 379.77 41,000.00
TAYLOR MI 48180 1 05/14/97 04
0430238071 05 07/01/97 25
015038343 N 06/01/12
0
1572281 896/G02 F 36,000.00 ZZ
180 35,902.69 1
1732 WYCLIFFE ROAD 8.750 359.81 66
8.500 359.81 55,000.00
AUGUSTA GA 30904 5 04/25/97 00
0430221192 05 06/01/97 0
970157 N 05/01/12
0
1572304 F30/G02 F 105,000.00 ZZ
180 104,423.95 1
4178 SOUTH 1300 WEST 8.625 1,041.68 64
8.375 1,041.68 165,500.00
TAYLORSVILLE UT 84123 5 03/26/97 00
0430203174 05 05/01/97 0
10920 O 04/01/12
0
1
1572392 074/G02 F 47,000.00 ZZ
180 46,733.40 2
5750 SOUTHWEST 9TH STREET 8.250 455.97 34
8.000 455.97 140,000.00
MIAMI FL 33144 2 03/24/97 00
0430209452 05 05/01/97 0
1589100823 O 04/01/12
0
1572531 514/G02 F 214,000.00 ZZ
180 213,421.60 1
6105 FAIRLAWN COVE 8.750 2,138.82 68
8.500 2,138.82 315,000.00
OLIVE BRANCH MS 38654 2 05/02/97 00
0430227850 05 06/01/97 0
361017 O 05/01/12
0
1572535 514/G02 F 60,750.00 ZZ
180 60,593.05 1
6915 BUCKNELL DRIVE 9.250 625.23 90
9.000 625.23 67,500.00
DALLAS TX 75214 1 04/28/97 04
0430231258 05 06/01/97 25
361068 N 05/01/12
0
1572580 E22/G02 F 142,000.00 ZZ
180 141,594.17 1
20715 LAKE THOMAS ROAD 8.125 1,367.29 69
7.875 1,367.29 208,000.00
LAND O'LAKES FL 34639 2 04/07/97 00
0410377188 05 06/01/97 0
410377188 O 05/01/12
0
1572771 E86/G02 F 25,875.00 ZZ
180 25,875.00 1
100 TROLLEY CROSSING LANE 9.000 262.44 90
8.750 262.44 28,750.00
MIDDLETOWN CT 06457 1 05/12/97 10
0430228155 01 07/01/97 25
17456 N 06/01/12
0
1572874 A68/G02 F 118,100.00 T
180 118,100.00 1
4300 GULF BOULEVARD #203 8.125 1,137.16 75
7.875 1,137.16 157,500.00
1
SOUTH PADRE ISL TX 78597 1 05/02/97 00
0430227645 21 07/01/97 0
1572874 O 06/01/12
0
1572878 292/G02 F 57,400.00 ZZ
180 57,400.00 2
105-107 N FOURTH 8.875 577.93 70
8.625 577.93 82,000.00
WARD AR 72176 5 05/12/97 00
0430236877 05 07/01/97 0
1267477 N 06/01/12
0
1572891 A38/G02 F 26,550.00 ZZ
180 26,550.00 1
921 MARINE 9.250 273.25 90
#236 9.000 273.25 29,500.00
GALVESTON TX 77550 1 05/01/97 14
0430237800 01 07/01/97 25
UNKNOWN O 06/01/12
0
1572905 B75/G02 F 80,000.00 T
180 79,795.64 1
18610 GULF BLVD 9.375 829.36 65
UNIT 701 9.125 829.36 124,000.00
INDIAN ROCKS BE FL 34635 1 05/02/97 00
0430230375 06 06/01/97 0
2802163 O 05/01/12
0
1573020 560/560 F 63,000.00 ZZ
180 62,831.62 1
20 RADCLIFFE ROAD 8.875 634.32 90
UNIT 406 8.625 634.32 70,000.00
ALLSTON MA 02134 1 04/09/97 04
450688452 01 06/01/97 25
450688452 N 05/01/12
0
1573242 H05/H05 F 39,700.00 ZZ
180 39,700.00 1
2331 LOGAN STREET 8.500 390.94 82
8.250 390.94 49,000.00
HARRISBURG PA 17101 2 05/07/97 04
179449487 07 07/01/97 20
179449487 N 06/01/12
0
1
1573437 E22/G02 F 27,300.00 ZZ
180 27,227.86 1
4134 S. BURDICK ST 9.000 276.89 70
8.750 276.89 39,000.00
KALAMAZOO MI 49001 5 04/11/97 00
0410371868 05 06/01/97 0
410371868 N 05/01/12
0
1573440 E22/G02 F 29,750.00 ZZ
180 29,671.39 1
4126 S BURDICK ST 9.000 301.74 70
8.750 301.74 42,500.00
KALAMAZOO MI 49001 5 04/11/97 00
0410371256 05 06/01/97 0
410371256 N 05/01/12
0
1573444 405/405 F 308,000.00 ZZ
180 308,000.00 1
7511 LITTLE FAWN TRACE 8.750 3,078.31 70
8.500 3,078.31 445,000.00
CRYSTAL LAKE IL 60014 5 05/13/97 00
4161337 05 07/01/97 0
4161337 O 06/01/12
0
1573534 450/450 F 44,400.00 ZZ
180 44,274.51 1
346 W PEARL AVE 8.250 430.74 80
8.000 430.74 55,500.00
HAZEL PARK MI 48030 5 04/09/97 00
7297065 05 06/01/97 0
7297065 O 05/01/12
0
1573536 G41/G02 F 49,500.00 T
180 49,374.98 1
1208 BAY AVENUE 9.500 516.90 60
9.250 516.90 82,500.00
OCEAN CITY NJ 08226 1 04/04/97 00
0430206615 05 06/01/97 0
061000227 O 05/01/12
0
1573644 286/286 F 50,250.00 ZZ
180 49,980.41 4
1
5 ARCH STREET 8.875 505.94 75
8.625 505.94 67,000.00
NORTHFIELD NH 03276 1 04/01/97 00
9163822 05 05/01/97 0
9163822 N 04/01/12
0
1573678 G32/G32 F 60,900.00 ZZ
180 60,737.24 2
10746 SOUTH WABASH 8.875 613.17 70
8.625 613.17 87,000.00
CHICAGO IL 60628 5 04/11/97 00
PAYTON 05 06/01/97 0
PAYTON N 05/01/12
0
1573683 E22/G02 F 32,500.00 ZZ
180 32,410.17 1
133 EAST HIGGINS STREET 8.500 320.04 57
8.250 320.04 58,000.00
MIDWAY KY 40347 5 04/10/97 00
0410375125 05 06/01/97 0
410375125 O 05/01/12
0
1573698 E22/G02 F 59,150.00 T
180 58,986.51 1
2253 CYPRESS KNEE LOOP 8.500 582.47 75
8.250 582.47 78,900.00
KISSIMMEE FL 34743 1 04/16/97 00
0410375570 09 06/01/97 0
410375570 O 05/01/12
0
1573716 405/405 F 93,000.00 ZZ
180 93,000.00 1
20561 OLD MILL ROAD 8.750 929.49 75
8.500 929.49 124,000.00
SOUTH BEND IN 46637 5 05/07/97 00
004174975 05 07/01/97 0
004174975 O 06/01/12
0
1573760 560/560 F 37,800.00 ZZ
180 37,693.16 2
169 ORCHARD STREET 8.250 366.72 90
8.000 366.72 42,000.00
NANTICOKE PA 18634 1 04/11/97 04
450689310 05 06/01/97 25
1
450689310 N 05/01/12
0
1573769 560/560 F 26,000.00 ZZ
180 25,930.51 1
10 KENMAR DRIVE UNIT 29 8.875 261.78 80
8.625 261.78 32,500.00
BILLERICA MA 01821 1 04/15/97 04
450692017 01 06/01/97 12
450692017 N 05/01/12
0
1573882 286/286 F 47,850.00 ZZ
180 47,590.39 1
4119 TOWER STREET 8.750 478.24 90
8.500 478.24 53,600.00
PHILADELPHIA PA 19127 1 03/31/97 10
9167868 05 05/01/97 25
9167868 N 04/01/12
0
1573968 H13/G02 F 75,000.00 ZZ
180 75,000.00 1
1210 EAST LOCUST CORNER ROAD 8.500 738.55 60
8.250 738.55 125,000.00
CINCINNATI OH 45245 5 05/08/97 00
0430226662 05 07/01/97 0
10137134 O 06/01/12
0
1574075 E22/G02 F 168,000.00 ZZ
180 167,551.00 1
409 DORADO LANE 8.875 1,691.50 70
8.625 1,691.50 240,000.00
MODESTO CA 95356 5 04/17/97 00
0410373203 05 06/01/97 0
410373203 O 05/01/12
0
1574114 405/405 F 99,400.00 ZZ
180 99,112.75 1
11930 SOUTHWEST 24TH TERRACE 8.000 949.92 70
7.750 949.92 142,000.00
MIAMI FL 33175 5 04/08/97 00
4166203 05 06/01/97 0
4166203 O 05/01/12
0
1
1574116 A48/G02 F 52,200.00 ZZ
180 52,200.00 2
192-194 MERRITT STREET 9.250 537.24 90
9.000 537.24 58,000.00
MARIETTA GA 30060 1 05/08/97 01
0430229104 05 07/01/97 25
4001051110002 N 06/01/12
0
1574117 A48/G02 F 52,200.00 ZZ
180 52,200.00 2
182 184 MERRITT STREET 9.250 537.24 90
9.000 537.24 58,000.00
MARIETTA GA 30060 1 05/08/97 04
0430238337 05 07/01/97 25
UNKNOWN N 06/01/12
0
1574152 129/G02 F 113,000.00 ZZ
180 111,887.26 2
98-100 REDWOOD AVENUE 8.875 1,137.74 74
8.625 1,137.74 154,000.00
PATERSON NJ 07522 2 02/20/97 00
0430211813 05 04/01/97 0
3965180 O 03/01/12
0
1574165 129/G02 F 84,800.00 ZZ
180 84,334.75 1
3505 W INVERRARY BLVD 8.625 841.29 80
8.375 841.29 106,000.00
LAUDERHILL FL 33319 3 03/14/97 01
0430211615 09 05/01/97 12
3969059 N 04/01/12
0
1574182 286/286 F 16,200.00 ZZ
180 16,157.18 1
1452 S 27TH STREET 9.000 164.32 90
8.750 164.32 18,000.00
PHILADELPHIA PA 19146 1 04/03/97 04
9167862 07 06/01/97 25
9167862 N 05/01/12
0
1574183 286/286 F 15,300.00 ZZ
180 15,259.56 1
1553 SOUTH TANEY STREET 9.000 155.19 90
8.750 155.19 17,000.00
1
PHILADELPHIA PA 19146 1 04/03/97 04
9167857 07 06/01/97 25
9167857 N 05/01/12
0
1574224 B28/G02 F 64,000.00 ZZ
180 63,830.86 1
446 EVERGREEN COURT 9.000 649.14 58
8.750 649.14 112,000.00
WOODLAND PARK CO 80863 1 04/15/97 00
0430212977 05 06/01/97 0
05970411 O 05/01/12
0
1574228 B28/G02 F 30,600.00 ZZ
180 30,430.22 1
179 ROANOKE TRAIL 8.500 301.34 90
8.250 301.34 34,000.00
GLENROCK WY 82637 1 03/31/97 10
0430214544 07 05/01/97 25
05970143 N 04/01/12
0
1574230 350/G02 F 50,000.00 ZZ
180 50,000.00 1
100 VINE HILL ROAD 8.250 485.07 69
8.000 485.07 72,500.00
GREENVILLE SC 29607 5 05/12/97 00
0430236471 05 07/01/97 0
51771 N 06/01/12
0
1574242 A46/G02 F 400,000.00 ZZ
180 398,818.23 1
2639 SUTTON COURT 7.750 3,765.10 80
7.500 3,765.10 503,800.00
HOUSTON TX 77027 1 05/01/97 00
0430227157 03 06/01/97 0
0132045 O 05/01/12
0
1574390 129/G02 F 22,950.00 ZZ
180 22,834.94 1
2128 KOEHLER AVENUE 9.625 241.38 90
9.375 241.38 25,500.00
DAYTON OH 45414 3 03/12/97 01
0430211250 05 05/01/97 25
3800021481 N 04/01/12
0
1
1574515 E86/G02 F 63,800.00 ZZ
180 63,623.65 1
LOT 4 PLATT DRIVE 8.500 628.27 29
9 OLD LOGTOWN ROAD 8.250 628.27 223,000.00
PROSPECT CT 06712 5 04/11/97 00
0430221994 05 06/01/97 0
049408954 N 05/01/12
0
1574533 B75/G02 F 28,350.00 ZZ
180 28,196.20 1
1505 GILLESPIE AVENUE 8.750 283.34 70
8.500 283.34 40,500.00
ALBANY GA 31707 5 03/31/97 00
0430216374 05 05/01/97 0
2918415 N 04/01/12
0
1574539 B75/G02 F 22,500.00 ZZ
180 22,373.78 1
1107 WEST LINCOLN AVENUE 8.375 219.92 90
8.125 219.92 25,000.00
ALBANY GA 31707 1 03/31/97 12
0430216879 05 05/01/97 25
2918274 N 04/01/12
0
1574544 757/757 F 52,000.00 ZZ
180 51,867.16 1
4175 CEDAR CREST DRIVE 9.375 539.09 65
9.125 539.09 80,000.00
ACWORTH GA 30101 5 04/18/97 00
2952299 05 06/01/97 0
2952299 N 05/01/12
0
1574545 757/757 F 110,000.00 ZZ
180 109,689.09 1
1 WESS MANOR LANE 8.250 1,067.16 74
8.000 1,067.16 150,000.00
BOWDON GA 30108 5 04/16/97 00
2952208 05 06/01/97 0
2952208 O 05/01/12
0
1574555 253/253 F 37,800.00 ZZ
180 37,592.61 1
1
626 WARRIOR TRAIL 8.625 375.01 90
8.375 375.01 42,000.00
GRAND PRAIRIE TX 75052 1 03/27/97 04
327315 07 05/01/97 25
327315 N 04/01/12
0
1574567 225/225 F 60,000.00 ZZ
180 59,822.73 1
7728 EAST COLUMBIA COURT 7.750 564.77 31
7.500 564.77 195,000.00
SPOKANE WA 99212 1 04/04/97 00
8042451 05 06/01/97 0
8042451 O 05/01/12
0
1575498 286/286 F 27,750.00 ZZ
120 27,604.55 1
2427 SPRING DUSK LANE 8.750 347.79 75
8.500 347.79 37,000.00
SPRING TX 77373 1 04/01/97 00
09168886 03 06/01/97 0
09168886 N 05/01/07
0
1575637 074/G02 F 54,000.00 ZZ
180 53,703.74 1
9702 HAMMOCKS BLVD UNIT 104 8.625 535.72 90
8.375 535.72 60,000.00
MIAMI FL 33196 1 03/31/97 12
0430214577 01 05/01/97 25
1311285807 N 04/01/12
0
1575661 757/757 F 41,600.00 ZZ
180 41,494.93 1
107 AUGUSTA DRIVE 9.500 434.40 65
9.250 434.40 64,000.00
MARIETTA GA 30067 1 04/18/97 00
2952281 01 06/01/97 0
2952281 N 05/01/12
0
1575666 286/286 F 27,000.00 ZZ
180 26,751.13 1
5987 MILLER RD 8.625 267.87 28
8.375 267.87 99,800.00
HOUSTON OH 45333 5 03/25/97 00
8580457 05 05/01/97 0
1
8580457 N 04/01/12
0
1575930 129/G02 F 76,500.00 ZZ
180 75,446.64 1
G-9088 CORUNNA RD 9.000 775.92 85
8.750 775.92 90,000.00
FLINT MI 48532 5 04/01/97 01
0430247528 05 05/01/97 12
3800023099 O 04/01/12
0
1575947 E22/G02 F 120,000.00 ZZ
180 119,672.00 1
2639 BARTON HILLS DRIVE 8.625 1,190.50 78
8.375 1,190.50 155,000.00
AUSTIN TX 78704 1 04/18/97 00
0410315576 05 06/01/97 0
410315576 O 05/01/12
0
1576004 E22/G02 F 107,900.00 ZZ
180 107,598.41 1
14326 DORSAL STREET 8.375 1,054.64 80
8.125 1,054.64 134,900.00
CORPUS CHRISTI TX 78418 1 04/22/97 00
0410316137 03 06/01/97 0
410316137 O 05/01/12
0
1576024 E22/G02 F 47,250.00 ZZ
180 47,119.40 1
26354 FIVE MILE RD 8.500 465.29 70
8.250 465.29 67,500.00
REDFORD MI 48239 5 04/04/97 00
0410365357 05 06/01/97 0
410365357 N 05/01/12
0
1576025 E22/G02 F 37,500.00 ZZ
180 37,405.30 1
2502 NW 9TH STREET 9.500 391.58 75
9.250 391.58 50,000.00
POMPANO BEACH FL 33069 5 04/21/97 00
0410383418 05 06/01/97 0
410383418 N 05/01/12
0
1
1576074 G52/G02 F 50,000.00 T
180 49,855.50 1
16615 EAST GUNSIGHT DRIVE #116 8.000 477.83 47
7.750 477.83 107,000.00
FOUNTAIN HILLS AZ 85268 5 04/08/97 00
0430215814 01 06/01/97 0
196163 O 05/01/12
0
1576082 180/G02 F 21,600.00 ZZ
180 21,540.96 1
403 NORTH COMMERCE STREET 8.625 214.29 90
8.375 214.29 24,000.00
MADISONVILLE TX 77864 1 04/10/97 04
0430253559 05 06/01/97 25
4818191 N 05/01/12
0
1576084 180/G02 F 24,300.00 ZZ
180 24,236.50 2
2125-27 LICCIARDI ROAD 9.125 248.28 90
8.875 248.28 27,000.00
VIOLET LA 70092 1 04/15/97 04
0430217810 05 06/01/97 25
4820627 N 05/01/12
0
1576091 E22/G02 F 75,000.00 ZZ
180 74,806.23 1
3406 BRIANT STREET 9.250 771.89 69
9.000 771.89 110,000.00
NORTH PORT FL 34287 5 04/17/97 00
0410380380 05 06/01/97 0
410380380 O 05/01/12
0
1576116 E22/G02 F 109,600.00 ZZ
180 109,297.06 1
937 GOLDENLEAF WAY 8.500 1,079.27 80
8.250 1,079.27 137,000.00
PITTSBURG CA 94565 2 04/18/97 00
0410397939 05 06/01/97 0
410397939 O 05/01/12
0
1576239 354/354 F 69,000.00 ZZ
180 68,391.14 1
635 DALTON ROAD 7.875 654.44 44
7.625 654.44 157,500.00
1
SKIPWITH VA 23968 1 02/01/97 00
24676512 05 04/01/97 0
24676512 O 03/01/12
0
1576242 354/354 F 79,290.00 ZZ
180 78,819.97 1
2556 SUMMIT COVE DRIVE 7.750 746.34 75
7.500 746.34 105,720.00
DULUTH GA 30155 1 03/21/97 00
24959249 03 05/01/97 0
24959249 O 04/01/12
0
1576244 354/354 F 388,375.00 ZZ
180 386,122.81 1
2705 CYPRESS MANOR 8.000 3,711.52 65
7.750 3,711.52 597,500.00
WESTON FL 33332 1 03/10/97 00
2499422 03 05/01/97 0
2499422 O 04/01/12
0
1576245 354/354 F 111,750.00 ZZ
180 111,116.11 1
2500 GULF BOULEVARD 8.250 1,084.14 75
UNIT #205B 8.000 1,084.14 149,000.00
BELLAIRE BEACH FL 33786 1 03/14/97 00
24998528 01 05/01/97 0
24998528 O 04/01/12
0
1576254 354/354 F 43,500.00 ZZ
180 43,377.04 1
300 SOUTH FLORIDA AVENUE 8.250 422.02 75
UNIT 100I 8.000 422.02 58,000.00
TARPON SPRINGS FL 34689 1 04/15/97 00
25081936 01 06/01/97 0
25081936 O 05/01/12
0
1576255 354/354 F 38,250.00 ZZ
180 38,064.38 1
ROUTE 1 BOX 235 8.250 371.08 75
AUTUMN GLORY LANE 8.000 371.08 51,000.00
MONROE VA 24574 1 04/07/97 00
25107459 05 06/01/97 0
25107459 O 05/01/12
0
1
1576276 907/G02 F 75,000.00 ZZ
180 75,000.00 1
331 FIRST STREET 8.500 738.55 28
8.250 738.55 275,000.00
YONKERS NY 10704 1 05/09/97 00
0430253179 05 07/01/97 0
1576276 O 06/01/12
0
1576289 591/G02 F 80,250.00 ZZ
180 80,250.00 1
250 PRESIDENT STREET 9.000 813.95 65
UNIT 1203 8.750 813.95 123,500.00
BALTIMORE MD 21202 5 05/16/97 00
0430235911 06 07/01/97 0
101405380 N 06/01/12
0
1576323 514/G02 F 108,000.00 ZZ
180 108,000.00 1
708 NORTH PAULUS STREET 8.875 1,087.39 90
8.625 1,087.39 120,000.00
DALLAS TX 75214 1 05/08/97 10
0430230672 05 07/01/97 25
361129 N 06/01/12
0
1576434 E22/G02 F 100,000.00 ZZ
180 99,723.59 1
39821 CEDAR BOULEVARD UNIT 213 8.500 984.74 80
8.250 984.74 125,000.00
NEWARK CA 94560 1 04/22/97 00
0410371231 01 06/01/97 0
410371231 O 05/01/12
0
1576450 369/G02 F 73,400.00 ZZ
180 72,992.80 1
705 NORTH RIVERSHIRE DRIVE 8.500 722.80 80
8.250 722.80 91,750.00
CONROE TX 77304 1 03/24/97 00
0430218024 03 05/01/97 0
60449097 O 04/01/12
0
1576455 F64/G02 F 65,900.00 ZZ
180 65,900.00 1
1
2309-2311 IVES LANE 9.250 678.24 80
9.000 678.24 82,401.00
RICHMOND VA 23235 1 05/07/97 00
0430229575 05 07/01/97 0
196799 N 06/01/12
0
1576458 369/G02 F 65,000.00 ZZ
180 64,647.34 4
8259 SOUTH BURLEY AVENUE 8.750 649.65 65
8.500 649.65 100,000.00
CHICAGO IL 60617 5 03/31/97 00
0430220855 05 05/01/97 0
60378072 O 04/01/12
0
1576461 E22/G02 F 85,100.00 ZZ
180 84,875.11 2
766-768 ELLWOOD STREET 9.000 863.14 74
8.750 863.14 116,500.00
ORLANDO FL 32804 1 04/23/97 00
0410380471 05 06/01/97 0
410380471 N 05/01/12
0
1576464 E22/G02 F 58,400.00 ZZ
180 58,243.92 1
196 ELK RIDGE 8.875 588.00 65
8.625 588.00 90,000.00
CANYON LAKE TX 78133 2 04/18/97 00
0410317499 05 06/01/97 0
410317499 O 05/01/12
0
1576511 375/G02 F 270,000.00 ZZ
180 268,416.94 1
1 FAIRGROVE DRIVE 7.875 2,560.82 75
7.625 2,560.82 360,000.00
PITTSBURGH PA 15238 5 03/20/97 00
0430219840 05 05/01/97 0
UNKNOWN O 04/01/12
0
1576535 514/G02 F 164,000.00 ZZ
180 163,556.73 1
1415 TREE SPLIT LANE 8.750 1,639.10 80
8.500 1,639.10 205,000.00
NEPTUNE BEACH FL 32266 1 04/24/97 00
0430221648 05 06/01/97 0
1
361064 O 05/01/12
0
1576601 E22/G02 F 66,000.00 ZZ
180 65,831.41 1
2710 LINCOLN STREET 9.375 684.22 80
9.125 684.22 82,500.00
HOLLYWOOD FL 33020 1 04/25/97 04
0410380661 05 06/01/97 12
410380661 N 05/01/12
0
1576689 F96/G02 F 227,500.00 ZZ
180 225,621.10 1
1403 WINESAP DRIVE 8.625 2,256.98 54
8.375 2,256.98 422,000.00
WALL TOWNSHIP NJ 08736 5 03/31/97 00
0430226787 05 05/01/97 0
5067 O 04/01/12
0
1576718 661/661 F 140,000.00 ZZ
180 139,595.42 1
CHRIST SCHOOL ROAD 8.000 1,337.91 100
7.750 1,337.91 140,000.00
ARDEN NC 28704 1 04/08/97 93
2679801 05 06/01/97 30
2679801 O 05/01/12
0
1576720 661/661 F 800,000.00 T
180 787,898.70 1
27 COMMERCIAL STREET 7.625 7,473.03 100
7.375 7,473.03 800,000.00
PROVINCETOWN MA 02657 1 12/10/96 92
2708188 05 02/01/97 30
2708188 O 01/01/12
0
1576721 661/661 F 247,567.00 ZZ
180 246,859.46 1
4454 LAKESHORE TERRACE 8.125 2,383.77 100
7.875 2,383.77 247,567.00
EAGAN MN 55122 1 04/04/97 92
2777001 03 06/01/97 30
2777001 O 05/01/12
0
1
1576724 661/661 F 276,000.00 ZZ
180 275,193.53 1
OXYOKE DRIVE BOX 4120 7.875 2,617.72 83
7.625 2,617.72 335,000.00
RUTLAND TOWN VT 05701 1 04/04/97 92
2836336 05 06/01/97 30
2836336 O 05/01/12
0
1576753 661/661 F 30,000.00 T
180 29,649.71 1
120 BREEZE HILL 8.000 286.70 70
7.750 286.70 43,000.00
LAKE WALES FL 33853 1 01/30/97 00
2801736 27 03/01/97 0
2801736 O 02/01/12
0
1576763 025/025 F 39,600.00 ZZ
180 39,116.63 1
528 WINER AVENUE S W 9.750 419.51 90
9.500 419.51 44,000.00
PALM BAY FL 32907 1 01/30/97 04
117225 05 03/01/97 30
117225 N 02/01/12
0
1576783 957/G02 F 68,250.00 ZZ
180 68,077.62 2
6140 AND 6142 LLANO STREET 9.500 712.69 90
9.250 712.69 75,850.00
DALLAS TX 75214 1 04/24/97 04
0430222380 05 06/01/97 25
198584 N 05/01/12
0
1576792 253/253 F 20,400.00 ZZ
180 20,346.08 1
9926 VALLEY WIND DRIVE 9.000 206.92 80
8.750 206.92 25,500.00
HOUSTON TX 77078 1 04/24/97 00
328838 05 06/01/97 0
328838 N 05/01/12
0
1576868 E22/G02 F 28,000.00 ZZ
180 27,929.29 1
3234 SENECA 9.500 292.39 69
9.250 292.39 41,000.00
1
ST JOSEPH MO 64507 5 04/07/97 00
0410371918 05 06/01/97 0
410371918 N 05/01/12
0
1576910 661/661 F 125,000.00 ZZ
180 124,166.45 1
4018 KINGSBURY DRIVE 7.875 1,185.56 100
7.625 1,185.56 125,000.00
WICHITA FALLS TX 76309 1 03/13/97 92
2850121 05 05/01/97 30
2850121 O 04/01/12
0
1576912 661/661 F 953,000.00 ZZ
180 947,412.41 1
15 HANCE ROAD 7.875 9,038.72 75
7.625 9,038.72 1,275,000.00
FAIR HAVEN NJ 07704 1 03/07/97 00
2814838 05 05/01/97 0
2814838 O 04/01/12
0
1576916 661/661 F 105,000.00 ZZ
180 104,423.93 1
6830 ORIZABA AVENUE 8.625 1,041.69 100
8.375 1,041.69 105,000.00
EL PASO TX 79912 1 03/21/97 92
2825008 05 05/01/97 30
2825008 O 04/01/12
0
1576917 661/661 F 61,990.00 ZZ
180 60,618.38 1
1659 A CASS LAKE ROAD 8.875 624.15 100
8.625 624.15 61,990.00
KEEGO HARBOR MI 48320 1 09/20/96 92
2632172 01 11/01/96 30
2632172 O 10/01/11
0
1576919 661/661 F 110,000.00 ZZ
180 109,355.05 1
44 ECHO LANE 7.875 1,043.30 78
7.625 1,043.30 142,000.00
KINGS PARK NY 11754 5 03/10/97 00
2805158 05 05/01/97 0
2805158 O 04/01/12
0
1
1576922 661/661 F 171,000.00 ZZ
180 169,556.08 1
201 VISTAMAR DRIVE 8.375 1,671.40 100
8.125 1,671.40 171,515.00
WILMINGTON NC 28405 1 02/27/97 92
2808251 03 04/01/97 30
2808251 O 03/01/12
0
1576924 405/405 F 135,000.00 ZZ
180 134,217.12 1
4119 BELL TOWER COURT 8.000 1,290.14 59
7.750 1,290.14 229,994.00
BELLE ISLE FL 32812 1 03/28/97 00
4160768 03 05/01/97 0
4160768 O 04/01/12
0
1577009 201/G02 F 176,000.00 ZZ
180 175,534.89 1
103 BRIARWOOD ROAD 9.000 1,785.11 80
8.750 1,785.11 220,000.00
HARRISON NJ 08062 5 04/24/97 00
0430216598 05 06/01/97 0
3800985214 O 05/01/12
0
1577032 896/G02 F 70,000.00 ZZ
180 70,000.00 1
507 BROCKINTON DRIVE 8.000 668.96 78
7.750 668.96 90,000.00
ST SIMONS ISLAN GA 31522 1 05/16/97 00
0430234989 01 07/01/97 0
UNKNOWN N 06/01/12
0
1577035 575/G02 F 77,350.00 ZZ
180 77,133.80 1
2703 SPRING ROAD SW 8.375 756.04 85
8.125 756.04 91,000.00
ROANOKE VA 24015 5 04/15/97 10
0430222117 05 06/01/97 20
972274322 O 05/01/12
0
1577071 514/G02 F 50,050.00 ZZ
180 49,917.74 1
1
64 FISHERMANS COVE 9.000 507.64 35
8.750 507.64 145,000.00
PONTE VEDRA BEA FL 32082 1 04/24/97 00
0430220939 01 06/01/97 0
360981 O 05/01/12
0
1577099 E45/G02 F 120,000.00 ZZ
180 119,668.31 1
508 GREYSTONE LANE 8.500 1,181.69 80
8.250 1,181.69 150,000.00
DOUGLASVILLE GA 30134 1 04/25/97 00
0430223925 05 06/01/97 0
70794 O 05/01/12
0
1577102 E45/G02 F 63,000.00 ZZ
180 62,833.51 1
4224 SEMINOLE CIRCLE 9.000 638.99 90
8.750 638.99 70,000.00
AUSTELL GA 30001 1 04/24/97 10
0430223891 05 06/01/97 25
70574 N 05/01/12
0
1577103 957/G02 F 59,800.00 ZZ
180 59,647.24 1
806 WEST 24TH STREET UNIT 220 9.375 619.95 65
9.125 619.95 92,000.00
AUSTIN TX 78705 5 04/23/97 00
0430228270 01 06/01/97 0
198498 N 05/01/12
0
1577132 286/286 F 44,100.00 ZZ
180 43,986.06 1
1809 STONEY BROOK DRIVE 9.250 453.88 90
#204 9.000 453.88 49,000.00
HOUSTON TX 77063 1 04/15/97 10
09169449 01 06/01/97 25
09169449 N 05/01/12
0
1577134 286/286 F 32,400.00 ZZ
180 32,138.76 2
12 MELBOURNE LANE 8.750 323.82 90
8.500 323.82 36,000.00
GLOUCESTER TWP NJ 08081 1 02/27/97 04
A9000307 07 04/01/97 25
1
A9000307 N 03/01/12
0
1577215 927/G02 F 68,350.00 ZZ
180 68,163.18 1
3408 WINTERHAVEN STREET #103 8.625 678.09 80
8.375 678.09 85,450.00
LAS VEGAS NV 89108 1 04/17/97 04
0430219501 01 06/01/97 12
314146 N 05/01/12
0
1577253 757/757 F 68,000.00 ZZ
180 67,816.20 1
2601 OAK RIDGE DRIVE 8.750 679.63 47
8.500 679.63 147,000.00
ROCKY FACE GA 30740 1 04/30/97 00
296454 05 06/01/97 0
296454 O 05/01/12
0
1577331 286/286 F 33,000.00 ZZ
180 32,910.81 1
286 WEST PALOMINO 8.750 329.82 77
#41 8.500 329.82 43,000.00
CHANDLER AZ 85224 1 04/15/97 00
9165073 01 06/01/97 0
9165073 N 05/01/12
0
1577333 E13/G02 F 97,600.00 ZZ
180 97,600.00 4
5779 AMES STREET BUILDING 7 9.250 1,004.50 90
9.000 1,004.50 108,500.00
COLUMBIA SC 29203 1 05/16/97 10
0430232173 07 07/01/97 25
197148 N 06/01/12
0
1577586 E22/G02 F 32,000.00 ZZ
180 31,915.43 1
115 N. ELGIN STREET 9.000 324.57 80
8.750 324.57 40,000.00
SPERRY OK 74073 5 04/24/97 00
0410316251 05 06/01/97 0
410316251 O 05/01/12
0
1
1577588 E22/G02 F 88,800.00 ZZ
180 88,559.99 1
3606 ASHMORE ROAD 8.750 887.51 80
8.500 887.51 111,000.00
ZEPHYRHILLS FL 33541 5 04/23/97 00
0410381636 05 06/01/97 0
410381636 O 05/01/12
0
1577614 E22/G02 F 66,000.00 ZZ
180 65,833.31 2
4701-4711 ATTAWA AVENUE 9.500 689.19 40
9.250 689.19 165,000.00
SACRAMENTO CA 95822 5 04/22/97 00
0410373500 05 06/01/97 0
410373500 N 05/01/12
0
1577624 593/593 F 78,400.00 ZZ
180 78,180.86 1
690 SOUTH 700 WEST 8.375 766.31 70
8.125 766.31 112,000.00
PAYSON UT 84651 5 04/02/97 00
6674642 05 06/01/97 0
6674642 N 05/01/12
0
1577626 664/G02 F 63,700.00 ZZ
180 63,525.88 1
19 WALNUT 8.625 631.96 70
8.375 631.96 91,000.00
CAPERENTSVILLE IL 60110 5 04/24/97 00
0430219998 05 06/01/97 0
2284354 N 05/01/12
0
1577632 685/G02 F 55,000.00 ZZ
180 54,857.90 1
2475 WILSHIRE STREET 9.250 566.06 65
9.000 566.06 85,000.00
RIVERSIDE CA 92501 5 04/21/97 00
0430222430 05 06/01/97 0
107546 N 05/01/12
0
1577651 G51/G02 F 255,150.00 ZZ
180 255,150.00 4
1100 EMERYWOOD COURT 9.250 2,625.99 80
9.000 2,625.99 318,950.00
1
LAS VEGAS NV 89117 1 05/22/97 00
0430246546 05 07/01/97 0
198700 N 06/01/12
0
1577670 076/076 F 35,000.00 ZZ
180 34,753.65 1
231 ALDRIDGE ROAD 9.250 360.22 40
9.000 360.22 89,000.00
ARCHDALE NC 27263 1 03/25/97 00
6856832 05 05/01/97 0
6856832 O 04/01/12
0
1577697 688/G02 F 73,500.00 ZZ
180 73,305.76 1
127 OCEAN DRIVE 9.000 745.49 75
8.750 745.49 98,000.00
ROCKPORT TX 78382 1 04/28/97 00
0430233676 05 06/01/97 0
47487 O 05/01/12
0
1577705 140/G02 F 44,000.00 ZZ
180 43,875.64 1
245 BLUEBIRD DRIVE 8.250 426.86 80
8.000 426.86 55,000.00
SLIDELL LA 70458 1 04/25/97 00
0430228247 05 06/01/97 0
431823 N 05/01/12
0
1577754 286/286 F 38,500.00 ZZ
180 38,295.74 1
1701 CANTERBURY ST 9.000 390.50 70
8.750 390.50 55,000.00
AUSTIN TX 79702 5 03/31/97 00
8619777 05 05/01/97 0
8619777 N 04/01/12
0
1577766 253/253 F 63,050.00 ZZ
180 62,887.10 1
2406 RIO GRANDE 9.250 648.91 65
#336 9.000 648.91 97,000.00
AUSTIN TX 78705 1 04/29/97 00
328467 01 06/01/97 0
328467 N 05/01/12
0
1
1577774 253/253 F 63,050.00 ZZ
180 62,887.10 1
806 W 24TH ST 9.250 648.91 65
#320 9.000 648.91 97,000.00
AUSTIN TX 78705 1 04/29/97 00
328468 01 06/01/97 0
328468 N 05/01/12
0
1577885 731/G02 F 32,600.00 ZZ
120 32,429.14 1
1126 REED COURT 8.750 408.57 54
8.500 408.57 60,500.00
MONROE GA 30655 2 04/30/97 00
0430221424 05 06/01/97 0
3140664250 N 05/01/07
0
1577897 747/G02 F 28,400.00 ZZ
180 28,400.00 1
31 ANDORA STREET 9.000 288.05 75
8.750 288.05 37,900.00
LEHIGH ACRES FL 33936 1 05/19/97 00
0430233072 05 07/01/97 0
174012 N 06/01/12
0
1577931 E22/G02 F 51,300.00 ZZ
180 51,170.44 1
7 HORN BLOWER DRIVE 9.500 535.69 90
9.250 535.69 57,000.00
OCEAN TOWNSHIP NJ 08758 1 04/30/97 10
0410382352 05 06/01/97 25
410382352 N 05/01/12
0
1578003 369/G02 F 49,000.00 ZZ
180 48,869.04 1
100 ESTELLE COURT 8.875 493.36 31
8.625 493.36 160,000.00
SYKESVILLE MD 21784 2 04/01/97 00
0430223420 05 06/01/97 0
0060409455 O 05/01/12
0
1578018 369/G02 F 76,000.00 ZZ
180 75,583.03 1
1
23238 WILLOW CANYON DRIVE 8.625 753.99 80
8.375 753.99 95,000.00
KATY TX 77494 1 03/17/97 00
0430225755 03 05/01/97 0
0060447711 O 04/01/12
0
1578051 E22/G02 F 36,350.00 ZZ
180 36,260.26 2
653 AND 653 1/2 OAK STREET 9.750 385.08 90
9.500 385.08 40,400.00
TERRE HAUTE IN 47807 1 04/25/97 04
0410371728 05 06/01/97 25
410371728 N 05/01/12
0
1578233 560/560 F 55,700.00 ZZ
180 55,546.04 2
116-18 E CANTON 8.500 548.50 69
8.250 548.50 81,000.00
BROKEN ARROW OK 74012 5 04/18/97 00
450694773 05 06/01/97 0
450694773 N 05/01/12
0
1578238 560/560 F 56,000.00 ZZ
180 55,845.21 2
112-114 EAST CANTON 8.500 551.46 70
8.250 551.46 81,000.00
BROKEN ARROW OK 74012 2 04/18/97 00
450694799 05 06/01/97 0
450694799 N 05/01/12
0
1579017 369/G02 F 30,800.00 ZZ
180 30,636.60 1
15931 STILLWOOD 9.000 312.39 80
#2096 8.750 312.39 38,500.00
DALLAS TX 75248 2 03/14/97 00
0430224931 01 05/01/97 0
0060421070 N 04/01/12
0
1579020 369/G02 F 22,900.00 ZZ
180 22,839.48 1
526 VAN KIRK STREET 9.000 232.27 90
8.750 232.27 25,450.00
PHILADELPHIA PA 19111 1 04/16/97 01
0430251793 07 06/01/97 25
1
0060628922 N 05/01/12
0
1579022 688/G02 F 43,900.00 ZZ
180 43,681.34 1
635 BLACKSTONE AVENUE 8.750 438.76 80
8.500 438.76 54,900.00
MADISON TN 37115 1 05/02/97 00
0430225102 05 06/01/97 0
48298 O 05/01/12
0
1579028 369/G02 F 121,590.00 ZZ
180 120,915.44 1
3202 VANITY DRIVE 8.500 1,197.35 80
8.250 1,197.35 152,490.00
PEARLAND TX 77584 1 03/25/97 00
0430224196 03 05/01/97 0
60448867 O 04/01/12
0
1579046 369/G02 F 32,300.00 ZZ
180 32,214.64 1
5903 BINGHAM STREET 9.000 327.61 90
8.750 327.61 35,950.00
PHILADELPHIA PA 19111 1 04/16/97 01
0430251637 05 06/01/97 25
60629003 N 05/01/12
0
1579047 369/G02 F 30,800.00 ZZ
180 30,636.61 1
5817 COPPERWOOD LANE 9.000 312.39 80
UNIT 2124 8.750 312.39 38,500.00
DALLAS TX 75248 2 03/14/97 00
0430224956 01 05/01/97 0
60421088 N 04/01/12
0
1579069 560/560 F 21,000.00 ZZ
96 20,848.19 1
23 STAGECOACH ROAD 19 8.750 304.94 75
8.500 304.94 28,000.00
EPPING NH 03042 1 04/28/97 00
450704010 01 06/01/97 0
450704010 N 05/01/05
0
1
1579077 E22/G02 F 49,500.00 ZZ
180 49,366.21 2
935-37 27TH STREET 8.750 494.73 90
8.500 494.73 55,000.00
KENNER LA 70062 1 04/30/97 12
0410371124 05 06/01/97 25
410371124 N 05/01/12
0
1579079 E22/G02 F 96,000.00 ZZ
180 95,734.65 1
6233 BROCKHAMPTON ST. 8.500 945.35 80
8.250 945.35 120,000.00
CORPUS CHRISTI TX 78414 1 04/30/97 00
0410319990 05 06/01/97 0
410319990 O 05/01/12
0
1579082 560/560 F 55,600.00 ZZ
180 55,446.31 2
108-110 EAST CANTON 8.500 547.52 69
8.250 547.52 81,000.00
BROKEN ARROW OK 74012 2 04/18/97 00
450694765 05 06/01/97 0
450694765 N 05/01/12
0
1579092 560/560 F 32,000.00 ZZ
180 31,910.55 1
4417 N RICHARDT 8.375 312.78 60
8.125 312.78 54,000.00
INDIANAPOLIS IN 46226 5 04/21/97 00
450698352 05 06/01/97 0
450698352 N 05/01/12
0
1579100 560/560 F 67,550.00 ZZ
180 67,365.36 1
25 WABAN AVE 8.625 670.16 70
8.375 670.16 96,500.00
PROVIDENCE RI 02908 5 05/02/97 00
450712245 05 06/01/97 0
450712245 N 05/01/12
0
1579129 560/560 F 56,300.00 ZZ
180 56,144.38 2
120-22 E CANTON 8.500 554.41 70
8.250 554.41 81,000.00
1
BROKEN ARROW OK 74012 2 04/18/97 00
450694781 05 06/01/97 0
450694781 N 05/01/12
0
1579143 E67/G02 F 256,000.00 ZZ
180 256,000.00 1
19632 PAINTED RIDGE LOOP 8.375 2,502.21 78
8.125 2,502.21 330,000.00
BEND OR 97702 2 05/19/97 00
0430247627 09 07/01/97 0
06375 O 06/01/12
0
1579144 225/225 F 59,400.00 ZZ
180 59,400.00 1
4151 WYCLIFF AVENUE 8.875 598.07 90
#103 8.625 598.07 66,000.00
DALLAS TX 75219 1 05/19/97 14
8048132 01 07/01/97 25
8048132 N 06/01/12
0
1579166 560/560 F 32,000.00 ZZ
180 31,910.55 1
100 PITKIN STREET 8.375 312.78 28
8.125 312.78 117,500.00
FRISCO CO 80443 5 04/25/97 00
450702089 05 06/01/97 0
450702089 N 05/01/12
0
1579169 560/560 F 50,000.00 ZZ
180 49,857.09 1
19608 BRASSIE PLACE 8.125 481.45 49
7.875 481.45 103,000.00
GAITHERSBURG MD 20879 5 04/14/97 00
450690441 07 06/01/97 0
450690441 N 05/01/12
0
1579344 737/G02 F 65,000.00 ZZ
180 64,835.83 1
1152 FENCE ROAD 9.500 678.75 60
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DACULA GA 30211 1 05/01/97 00
0430233395 05 06/01/97 0
559906 N 05/01/12
0
1
1579733 E22/G02 F 114,700.00 ZZ
180 114,389.98 1
4500 SHAW STREET 8.750 1,146.37 74
8.500 1,146.37 155,000.00
METAIRIE LA 70001 1 04/30/97 00
0410394332 05 06/01/97 0
410394332 O 05/01/12
0
1579734 E22/G02 F 58,100.00 T
180 57,951.59 1
825 CENTER STREET UNIT#19D 9.375 602.32 70
9.125 602.32 83,000.00
JUPITER FL 33458 2 04/25/97 00
0410382485 09 06/01/97 0
410382485 O 05/01/12
0
1579858 E22/G02 F 50,000.00 ZZ
180 49,864.86 1
8645 NW 52ND PLACE 8.750 499.72 23
8.500 499.72 220,000.00
CORAL SPRINGS FL 33076 5 05/01/97 00
0410400972 03 06/01/97 0
410400972 O 05/01/12
0
1579870 E22/G02 F 64,400.00 ZZ
180 64,222.00 4
809 QUETZAL STREET 8.500 634.17 70
8.250 634.17 92,000.00
CORPUS CHRISTI TX 78418 5 04/30/97 00
0410393797 05 06/01/97 0
410393797 N 05/01/12
0
1579896 568/G02 F 258,000.00 ZZ
180 257,286.87 1
647 DELL STREET 8.500 2,540.63 65
8.250 2,540.63 400,000.00
SOLANA BEACH CA 92075 5 04/25/97 00
0430226738 05 06/01/97 0
108643 O 05/01/12
0
1580289 560/560 F 58,000.00 ZZ
180 57,832.39 1
1
8917 20 1/2 AVENUE 8.000 554.28 43
7.750 554.28 137,000.00
LEMOORE CA 93245 5 04/17/97 00
450697156 05 06/01/97 0
450697156 N 05/01/12
0
1580303 E22/G02 F 54,000.00 ZZ
180 53,857.30 1
116 HARMONSON AVENUE 9.000 547.70 64
8.750 547.70 85,000.00
JUSTIN TX 76247 5 04/25/97 00
0410390199 05 06/01/97 0
410390199 N 05/01/12
0
1580341 E22/G02 F 42,750.00 ZZ
180 42,750.00 1
288 TANGELO 9.250 439.98 75
9.000 439.98 57,000.00
IRVINE CA 92720 1 04/30/97 00
0410386858 01 07/01/97 0
410386858 N 06/01/12
0
1580359 G51/G02 F 31,850.00 ZZ
180 31,850.00 1
10207 NORTH 29TH STREET 9.000 323.05 84
8.750 323.05 38,000.00
TAMPA FL 33612 2 05/23/97 10
0430248088 05 07/01/97 20
UNKNOWN N 06/01/12
0
1580557 E19/G02 F 60,000.00 ZZ
180 60,000.00 1
16469 PAUHASKA PLACE 8.625 595.25 41
8.375 595.25 148,000.00
APPLE VALLEY CA 92307 5 05/06/97 00
0430229393 05 07/01/97 0
10023333 N 06/01/12
0
1580580 E20/G02 F 90,600.00 ZZ
180 90,378.88 1
704 PARK DRIVE 9.875 966.68 41
9.625 966.68 225,000.00
ATLANTA GA 30306 5 04/30/97 00
0430234039 05 06/01/97 0
1
UNKNOWN N 05/01/12
0
1580612 286/286 F 61,600.00 T
180 61,435.36 1
1137 CHESTERFIELD CT 8.875 620.22 70
8.625 620.22 88,000.00
KISSIMMEE FL 34758 1 04/23/97 00
9166929 03 06/01/97 0
9166929 O 05/01/12
0
1580800 A83/G02 F 54,100.00 ZZ
180 53,957.03 4
1521 E EL MONTE STREET 9.000 548.72 65
8.750 548.72 83,300.00
WICHITA KS 67216 1 04/03/97 00
0430226837 05 06/01/97 0
157426 N 05/01/12
0
1580802 286/286 F 59,500.00 ZZ
180 59,500.00 1
16 JACKSON DR 8.250 577.24 70
8.000 577.24 85,000.00
EAST BERLIN PA 17316 5 05/02/97 00
8596841 05 07/01/97 0
8596841 N 06/01/12
0
1580803 A83/G02 F 54,100.00 ZZ
180 53,957.03 4
1515 E EL MONTE STREET 9.000 548.72 65
8.750 548.72 83,300.00
WICHITA KS 67216 1 04/03/97 00
0430226829 05 06/01/97 0
156747 N 05/01/12
0
1580816 E22/G02 F 80,000.00 ZZ
180 79,806.99 4
7120-B COLE CREEK DRIVE 10.000 859.68 80
9.750 859.68 100,000.00
HOUSTON TX 77092 1 05/01/97 00
0410316368 03 06/01/97 0
410316368 N 05/01/12
0
1
1580823 E22/G02 F 80,000.00 ZZ
180 79,806.99 4
7120-A COLE CREEK DRIVE 10.000 859.68 80
9.750 859.68 100,000.00
HOUSTON TX 77092 1 05/01/97 10
0410316376 05 06/01/97 12
410316376 N 05/01/12
0
1580826 E22/G02 F 206,000.00 ZZ
180 205,436.94 2
20 MICIELI PLACE 8.625 2,043.69 75
8.375 2,043.69 275,000.00
BROOKLYN NY 11218 2 04/22/97 00
0410381925 05 06/01/97 0
410381925 O 05/01/12
0
1580828 A83/G02 F 54,100.00 ZZ
180 53,957.03 4
1527 E EL MONTE STREET 9.000 548.72 65
8.750 548.72 83,400.00
WICHITA KS 67216 3 04/03/97 00
0430226803 05 06/01/97 0
157425 N 05/01/12
0
1580840 E22/G02 F 112,000.00 ZZ
180 111,710.63 1
1145 WISPER RUN COURT 9.250 1,152.70 80
9.000 1,152.70 140,000.00
LUTZ FL 33549 2 04/30/97 00
0410391213 05 06/01/97 0
410391213 O 05/01/12
0
1580843 E22/G02 F 30,550.00 ZZ
180 30,474.58 1
16213 FREELAND 9.750 323.64 65
9.500 323.64 47,000.00
DETROIT MI 48235 5 05/02/97 00
0410394969 05 06/01/97 0
410394969 N 05/01/12
0
1580958 405/405 F 60,300.00 ZZ
180 60,300.00 1
3013 BUTLER CREEK ROAD 8.875 607.13 90
8.625 607.13 67,000.00
1
KENNESAW GA 30152 1 05/05/97 12
4210985 05 07/01/97 25
4210985 N 06/01/12
0
1581032 387/387 F 299,500.00 ZZ
180 297,316.85 1
6893 AVIANO DRIVE 7.500 2,776.40 75
7.250 2,776.40 400,000.00
CAMARILLO CA 93012 2 03/19/97 00
1085877 05 05/01/97 0
1085877 O 04/01/12
0
1581055 286/286 F 42,500.00 ZZ
180 42,377.17 1
181 OVERVIEW CIRCLE WEST 8.000 406.16 30
7.750 406.16 142,500.00
RED LION PA 17356 1 04/29/97 00
8618777 05 06/01/97 0
8618777 O 05/01/12
0
1581059 A48/G02 F 52,200.00 ZZ
180 52,200.00 2
202-204 MERRITT STREET 9.250 537.24 90
9.000 537.24 58,000.00
MARIETTA GA 30060 1 05/08/97 04
0430233510 05 07/01/97 25
400105 N 06/01/12
0
1581264 E22/G02 F 41,650.00 ZZ
180 41,650.00 1
8600 COPPERTOWNE #1701 8.750 416.27 90
8.500 416.27 46,300.00
DALLAS TX 75243 1 05/07/97 14
0410318455 01 07/01/97 25
410318455 O 06/01/12
0
1581522 405/405 F 49,500.00 ZZ
180 49,372.10 1
1436 ROGERS STREET 9.250 509.46 90
9.000 509.46 55,000.00
CLEARWATER FL 34616 1 05/02/97 01
4198362 05 06/01/97 25
4198362 N 05/01/12
0
1
1582214 560/560 F 90,000.00 ZZ
180 89,751.23 3
1820 1822 & 1822 1/2 GARDENA 8.500 886.27 46
AVENUE 8.250 886.27 198,000.00
GLENDALE CA 91204 5 03/27/97 00
450714829 05 06/01/97 0
450714829 N 05/01/12
0
1582236 E22/G02 F 128,000.00 ZZ
180 127,673.03 3
191 NEW JERSEY AVENUE 9.375 1,326.97 80
9.125 1,326.97 160,000.00
BROOKLYN NY 11207 2 04/25/97 00
0410381933 05 06/01/97 0
410381933 N 05/01/12
0
1582238 E22/G02 F 148,500.00 ZZ
180 148,500.00 1
4520 43RD PLACE NW 9.000 1,506.19 55
8.750 1,506.19 270,000.00
WASHINGTON DC 20016 5 05/12/97 00
0410392534 05 07/01/97 0
410392534 N 06/01/12
0
1582274 560/560 F 245,000.00 ZZ
180 245,000.00 2
9 CLIFF TERR 9.000 2,484.96 67
8.750 2,484.96 370,000.00
NEWPORT RI 02840 1 05/09/97 00
450720172 05 07/01/97 0
450720172 N 06/01/12
0
1582328 405/405 F 37,500.00 ZZ
180 36,800.90 1
11930 SOUTHWEST 9 COURT 9.000 380.35 49
8.750 380.35 77,500.00
DAVIE FL 33325 1 04/23/97 00
4189981 09 06/01/97 0
4189981 O 05/01/12
0
1582392 A46/G02 F 40,500.00 ZZ
180 40,500.00 1
1
4805 LESLIE DRIVE 9.250 416.82 90
9.000 416.82 45,000.00
DEL CITY OK 73115 1 05/28/97 01
0430250068 05 07/01/97 30
UNKNOWN N 06/01/12
0
1582406 201/G02 F 44,000.00 ZZ
180 43,883.72 1
3408 JAY AVENUE 9.000 446.28 80
8.750 446.28 55,000.00
MCALLEN TX 78504 1 04/28/97 00
0430230144 05 06/01/97 0
4200976183 N 05/01/12
0
1582462 286/286 F 24,300.00 ZZ
120 24,172.64 1
12900 WALDEN ROAD #610F 8.750 304.55 90
8.500 304.55 27,000.00
MONTGOMERY TX 77356 1 04/21/97 10
9167098 01 06/01/97 25
9167098 N 05/01/07
0
1582478 E45/G02 F 58,000.00 ZZ
180 57,844.99 1
7223 PINELANDS DRIVE 8.875 583.97 54
8.625 583.97 108,000.00
WESLEY CHAPEL FL 33544 1 05/08/97 00
0430237560 05 06/01/97 0
UNKNOWN O 05/01/12
0
1582512 E22/G02 F 25,200.00 ZZ
180 25,200.00 2
3674 EAST 52ND ST 10.250 274.67 90
10.000 274.67 28,000.00
CLEVELAND OH 44105 1 05/12/97 04
0410367262 05 07/01/97 25
410367262 N 06/01/12
0
1582593 450/G02 F 53,000.00 ZZ
180 53,000.00 1
30980 TANGLEWOOD DR. 8.500 521.91 28
8.250 521.91 191,900.00
NOVI MI 48377 1 05/12/97 00
0430232058 05 07/01/97 0
1
4277661 O 06/01/12
0
1582595 638/G02 F 42,500.00 ZZ
180 42,500.00 1
874 SOUTH 950 EAST 8.250 412.31 27
8.000 412.31 157,500.00
SPANISH FORK UT 84660 1 05/28/97 00
0430253385 05 07/01/97 0
08634350 O 06/01/12
0
1582600 963/G02 F 56,000.00 ZZ
180 56,000.00 1
9320 EAST ELM LANE 8.750 559.70 80
8.500 559.70 70,000.00
MIRAMAR FL 33025 1 05/30/97 00
0430252536 09 07/01/97 0
970158 N 06/01/12
0
1582657 131/G02 F 40,000.00 ZZ
180 39,889.43 1
2724 EDINBROOK TERRACE NORTH 8.500 393.90 21
8.250 393.90 192,691.00
BROOKLYN PARK MN 55443 1 04/25/97 00
0430230755 05 06/01/97 0
9809235 O 05/01/12
0
1583157 664/G02 F 15,750.00 ZZ
180 15,750.00 1
501 HOLLEY STREET 9.500 164.47 90
9.250 164.47 17,500.00
EVERMAN TX 76140 1 05/08/97 04
0430232520 05 07/01/97 25
2310217 N 06/01/12
0
1583212 B75/G02 F 87,500.00 ZZ
180 87,266.15 1
2266 WEST ARCHES DRIVE 8.875 880.99 70
8.625 880.99 125,000.00
TAYLORSVILLE UT 84118 5 04/21/97 00
0430234815 05 06/01/97 0
2802171 N 05/01/12
0
1
1583222 286/286 F 75,000.00 ZZ
180 74,778.41 1
6588 GROVELAND ROAD 7.750 705.96 50
7.500 705.96 150,000.00
PIPERSVILLE PA 18947 2 04/28/97 00
09169530 05 06/01/97 0
09169530 O 05/01/12
0
1583225 286/286 F 40,500.00 ZZ
180 40,392.97 1
10221 N 29TH ST 9.000 410.78 90
8.750 410.78 45,000.00
TAMPA FL 33612 1 04/29/97 12
9169991 05 06/01/97 25
9169991 N 05/01/12
0
1583264 E22/G02 F 37,150.00 ZZ
180 37,042.65 2
54 GLENBROOK DRIVE 8.000 355.02 65
7.750 355.02 57,200.00
BROWNSVILLE TX 78521 1 05/01/97 00
0410316897 05 06/01/97 0
410316897 N 05/01/12
0
1583265 E22/G02 F 82,500.00 ZZ
180 82,500.00 2
3696 - 3698 W. 133RD STREET 9.500 861.49 75
9.250 861.49 110,000.00
CLEVELAND OH 44111 1 05/08/97 00
0410410609 05 07/01/97 0
410410609 N 06/01/12
0
1583269 E22/G02 F 60,000.00 ZZ
180 60,000.00 1
1308 W. 96TH STREET 9.000 608.56 75
8.750 608.56 80,000.00
CHICAGO IL 60643 5 05/09/97 00
0410210314 05 07/01/97 0
410210314 O 06/01/12
0
1583281 E22/G02 F 25,200.00 ZZ
180 25,200.00 1
2100 TANGLEWILDE STREET #275 9.375 261.25 90
9.125 261.25 28,000.00
1
HOUSTON TX 77063 1 05/15/97 12
0410392856 01 07/01/97 25
410392856 O 06/01/12
0
1583412 561/G02 F 56,000.00 T
180 56,000.00 1
8217 OLD OREGON INLET ROAD 8.875 563.84 70
8.625 563.84 80,000.00
NAGS HEAD NC 27959 1 05/12/97 00
0430232116 05 07/01/97 0
9001405 O 06/01/12
0
1583716 E22/G02 F 90,000.00 ZZ
180 90,000.00 1
3758 TIENKEN 9.250 926.27 61
9.000 926.27 148,000.00
AUBURN HILLS MI 48326 1 05/09/97 00
0410391361 05 07/01/97 0
410391361 O 06/01/12
0
1583757 405/405 F 124,800.00 ZZ
180 124,470.19 1
507B WEST BROADWAY 9.000 1,265.81 80
8.750 1,265.81 156,000.00
LONG BEACH NY 11561 1 04/30/97 00
4200649 08 06/01/97 0
4200649 O 05/01/12
0
1583763 131/G02 F 32,000.00 ZZ
180 31,911.55 1
7609 EDINBOROUGH WAY #4213 8.500 315.12 40
8.250 315.12 82,000.00
EDINA MN 55435 1 04/25/97 00
0430232264 01 06/01/97 0
9813056 O 05/01/12
0
1583781 201/G02 F 40,500.00 ZZ
180 40,397.71 1
1544-A FOREST LAKES CIRCLE 9.500 422.92 90
9.250 422.92 45,000.00
WEST PALM BEACH FL 33406 1 04/30/97 01
0430236802 09 06/01/97 25
3500983931 N 05/01/12
0
1
1583804 286/286 F 239,989.00 T
180 239,272.12 1
70 NICKERSON ROAD 7.625 2,241.81 90
7.375 2,241.81 266,655.00
EASTHAM MA 02642 1 04/11/97 04
09166253 05 06/01/97 25
09166253 O 05/01/12
0
1583805 286/286 F 42,000.00 ZZ
180 41,883.90 1
520 NORTH FIRST STREET 8.500 413.60 65
8.250 413.60 65,000.00
ROCKFORD IL 61107 5 04/30/97 00
9167545 05 06/01/97 0
9167545 N 05/01/12
0
1583817 286/286 F 36,900.00 ZZ
180 36,900.00 1
1449 CORRY AVE 9.125 377.02 90
8.875 377.02 41,000.00
TOLEDO OH 43614 1 05/15/97 10
8630731 05 07/01/97 25
8630731 N 06/01/12
0
1583990 F34/G02 F 98,500.00 ZZ
180 98,500.00 1
7161 NW 45TH COURT 8.625 977.20 76
8.375 977.20 131,000.00
LAUDERHILL FL 33319 2 05/14/97 00
0430236000 05 07/01/97 0
9760119 O 06/01/12
0
1584030 E22/G02 F 35,350.00 ZZ
180 35,350.00 1
1640 SANDPIPER BLVD 9.125 361.18 70
8.875 361.18 50,500.00
HOMESTEAD FL 33035 5 05/16/97 00
0410404214 09 07/01/97 0
410404214 N 06/01/12
0
1584051 E22/G02 F 58,000.00 ZZ
180 58,000.00 4
1
2902 RUIDOSA AVENUE 9.375 601.28 80
9.125 601.28 72,500.00
DALLAS TX 75228 1 05/16/97 10
0410318083 05 07/01/97 12
410318083 N 06/01/12
0
1584059 E22/G02 F 58,000.00 ZZ
180 58,000.00 4
2904 RUIDOSA AVENUE 9.375 601.28 80
9.125 601.28 72,500.00
DALLAS TX 75228 1 05/16/97 04
0410318323 05 07/01/97 12
410318323 N 06/01/12
0
1584738 687/G02 F 68,000.00 ZZ
180 68,000.00 1
3911 SPOKANE 8.250 659.70 85
8.000 659.70 80,000.00
CLEVELAND OH 44109 5 05/02/97 01
0430233700 05 07/01/97 12
599547 O 06/01/12
0
1584867 E23/G02 F 100,000.00 ZZ
180 100,000.00 4
3044 EAST BECK LANE 9.000 1,014.27 73
UNITS 5, 6, 7 & 8 8.750 1,014.27 137,000.00
PHOENIX AZ 85032 2 05/21/97 00
0430247320 05 07/01/97 0
111937 N 06/01/12
0
1585005 757/757 F 36,400.00 ZZ
180 36,400.00 1
242 HAMES RD 8.375 355.79 70
8.125 355.79 52,000.00
WOODSTOCK GA 30188 5 05/23/97 00
2952380 05 07/01/97 0
2952380 N 06/01/12
0
1585100 E22/G02 F 280,000.00 ZZ
180 280,000.00 1
289 MCFAUL WAY 8.125 2,696.07 80
7.875 2,696.07 350,000.00
ZEPHYR COVE NV 89448 1 05/22/97 00
0410415582 05 07/01/97 0
1
410415582 O 06/01/12
0
1585102 E22/G02 F 264,000.00 ZZ
180 264,000.00 1
31 PINON DRIVE 8.000 2,522.92 80
7.750 2,522.92 330,000.00
WELLINGTON NV 89444 5 05/20/97 00
0410374201 05 07/01/97 0
410374201 O 06/01/12
0
1585114 E22/G02 F 32,400.00 ZZ
180 32,400.00 1
317 WINNIPEG ST. 9.750 343.23 90
9.500 343.23 36,000.00
AKRON OH 44310 1 05/12/97 01
0410391452 05 07/01/97 25
410391452 N 06/01/12
0
1585127 E22/G02 F 45,000.00 ZZ
180 45,000.00 1
2891 PALM DRIVE #14 9.250 463.14 90
9.000 463.14 50,000.00
SLIDELL LA 70458 1 05/19/97 04
0410393300 01 07/01/97 25
410393300 N 06/01/12
0
1585252 131/G02 F 31,200.00 ZZ
180 31,200.00 1
4371 WILSHIRE BOULEVARD #B104 8.875 314.14 65
8.625 314.14 48,000.00
MOUND MN 55364 1 05/15/97 00
0430234765 01 07/01/97 0
1121194 N 06/01/12
0
1585270 131/G02 F 25,200.00 ZZ
180 25,200.00 1
2410 45TH STREET 8.375 246.31 90
8.125 246.31 28,000.00
MOLINE IL 61265 3 05/22/97 10
0430235952 05 07/01/97 25
5669005 N 06/01/12
0
1
1585276 B75/G02 F 150,000.00 ZZ
180 149,594.58 1
6201 N MOCKINGBIRD LANE 8.750 1,499.17 38
8.500 1,499.17 405,000.00
PARADISE VALLEY AZ 85253 5 04/21/97 00
0430247403 05 06/01/97 0
2808236 O 05/01/12
0
1585309 076/076 F 397,000.00 ZZ
180 395,839.96 1
4 HASTINGS ROAD 7.875 3,765.35 70
7.625 3,765.35 575,000.00
WINCHESTER MA 01890 2 04/14/97 00
1267363 05 06/01/97 0
1267363 O 05/01/12
0
1585311 076/076 F 43,200.00 ZZ
180 42,949.49 1
111 N 16TH AVENUE 8.000 412.84 90
7.750 412.84 48,000.00
HOPEWELL VA 23860 1 03/26/97 12
6927292 05 05/01/97 25
6927292 N 04/01/12
0
1585312 076/076 F 35,000.00 ZZ
180 34,909.57 4
56 11TH AVENUE 9.250 360.22 30
9.000 360.22 120,000.00
NEWARK NJ 07102 5 04/15/97 00
6999632 05 06/01/97 0
6999632 N 05/01/12
0
1585314 076/076 F 46,000.00 ZZ
180 44,615.82 1
2119 SQUIRE DOBBINS DRIVE 8.500 452.99 70
8.250 452.99 66,000.00
SUGAR LAND TX 77478 1 02/28/97 00
7081788 03 04/01/97 0
7081788 O 03/01/12
0
1585315 076/076 F 96,000.00 ZZ
180 95,719.48 1
9 VICTORIA STATION 7.875 910.52 80
7.625 910.52 120,000.00
1
NEWPORT NEWS VA 23608 1 04/22/97 00
7084342 05 06/01/97 0
7084342 O 05/01/12
0
1585316 076/076 F 59,900.00 ZZ
180 59,738.10 1
306 F STREET 8.750 598.67 60
8.500 598.67 99,900.00
ST. AUGUSTINE FL 32084 1 04/11/97 00
7085366 05 06/01/97 0
7085366 O 05/01/12
0
1585317 076/076 F 108,000.00 ZZ
180 107,380.57 1
651 KISMET ROAD 8.125 1,039.92 80
7.875 1,039.92 135,000.00
PHILADELPHIA PA 19115 1 03/28/97 00
7085955 05 05/01/97 0
7085955 O 04/01/12
0
1585318 076/076 F 55,000.00 ZZ
180 54,851.34 1
5 WARNER STREET 8.750 549.70 30
8.500 549.70 189,000.00
BELCHERTOWN MA 01007 2 04/18/97 00
7088937 05 06/01/97 0
7088937 O 05/01/12
0
1585320 076/076 F 60,000.00 ZZ
180 59,837.83 1
2320 KENYON AVENUE NW 8.750 599.67 42
8.500 599.67 143,000.00
MASSILLON OH 44647 1 04/17/97 00
8000542 05 06/01/97 0
8000542 O 05/01/12
0
1585321 076/076 F 10,800.00 ZZ
180 10,769.82 1
2907 POCAHONTAS STEET 8.375 105.56 60
8.125 105.56 18,000.00
NEW ORLEANS LA 70126 1 04/11/97 00
8068562 05 06/01/97 0
8068562 N 05/01/12
0
1
1585322 076/076 F 175,000.00 ZZ
180 174,521.67 1
#24 S. LAKESHORE DR 8.625 1,736.14 70
8.375 1,736.14 250,000.00
RANSOM CANYON TX 79366 1 04/17/97 00
8116982 03 06/01/97 0
8116982 O 05/01/12
0
1585323 076/076 F 42,500.00 ZZ
180 42,387.68 1
2426 WEST STREET 9.000 431.07 85
8.750 431.07 50,000.00
PUEBLO CO 81008 1 04/18/97 10
8132702 05 06/01/97 20
8132702 N 05/01/12
0
1585324 076/076 F 67,200.00 ZZ
180 66,818.81 1
5115 72ND PLACE 8.250 651.94 70
8.000 651.94 96,000.00
LANDOVER HILLS MD 20784 5 03/26/97 00
8133192 05 05/01/97 0
8133192 N 04/01/12
0
1585325 076/076 F 29,700.00 ZZ
180 29,535.22 1
721 PAUL STREET 8.500 292.47 90
8.250 292.47 33,000.00
WARNER ROBINS GA 31088 1 03/28/97 12
8136922 05 05/01/97 25
8136922 N 04/01/12
0
1585326 076/076 F 53,600.00 ZZ
180 53,450.17 1
323 FAIR OAK DRIVE 8.375 523.91 80
8.125 523.91 67,000.00
STAFFORD TX 77477 2 04/23/97 00
8151482 03 06/01/97 0
8151482 O 05/01/12
0
1585327 076/076 F 73,000.00 ZZ
180 72,804.90 1
1
202 WILLOW WOOD PLACE 8.875 735.00 77
8.625 735.00 96,000.00
DUNCANVILLE TX 75116 2 04/24/97 00
8151592 05 06/01/97 0
8151592 N 05/01/12
0
1585328 076/076 F 70,900.00 ZZ
180 70,704.03 4
7931 BULLARD ROAD 8.500 698.18 80
8.250 698.18 88,900.00
NEW ORLEANS LA 70128 1 04/04/97 12
8170802 05 06/01/97 12
8170802 N 05/01/12
0
1585329 076/076 F 77,200.00 ZZ
180 76,979.36 1
255 EAST GERMAN LANE 8.125 743.35 71
7.875 743.35 109,000.00
CONWAY AR 72032 2 04/23/97 00
8179152 05 06/01/97 0
8179152 O 05/01/12
0
1585330 076/076 F 51,900.00 ZZ
180 51,754.94 1
3200 NW 61ST TERRACE 8.375 507.28 58
8.125 507.28 90,000.00
OKLAHOMA CITY OK 73112 5 04/04/97 00
8185092 05 06/01/97 0
8185092 O 05/01/12
0
1585331 076/076 F 80,000.00 ZZ
180 79,778.88 1
1111 NORTH MONTCLAIR AVENUE 8.500 787.79 52
8.250 787.79 156,000.00
DALLAS TX 75208 1 04/22/97 00
8206122 05 06/01/97 0
8206122 O 05/01/12
0
1585332 076/076 F 138,000.00 ZZ
180 137,592.29 1
3905 LAKESIDE DRIVE 7.750 1,298.96 74
7.500 1,298.96 188,000.00
ROWLETT TX 75088 1 04/30/97 00
8301952 05 06/01/97 0
1
8301952 O 05/01/12
0
1585353 687/G02 F 48,150.00 ZZ
180 48,150.00 2
514 FOURTH STREET 9.000 488.37 90
8.750 488.37 53,500.00
PITCAIRN PA 15140 1 05/19/97 01
0430236919 05 07/01/97 25
596077 N 06/01/12
0
1585374 286/286 F 139,800.00 ZZ
180 128,537.08 1
6236 BURGOYNE ROAD 8.500 1,376.67 52
8.250 1,376.67 269,000.00
HOUSTON TX 77057 2 04/28/97 00
9162305 03 06/01/97 0
9162305 O 05/01/12
0
1585501 961/G02 F 125,000.00 T
180 125,000.00 1
404 OAK LANE 8.125 1,203.60 46
7.875 1,203.60 275,000.00
SAN GABRIEL CA 91775 1 05/13/97 00
0430251256 05 07/01/97 0
09110024 O 06/01/12
0
1585656 201/G02 F 100,000.00 ZZ
180 100,000.00 1
7200 LINKCREST DRIVE 8.500 984.74 69
8.250 984.74 145,667.00
SAN ANTONIO TX 78240 1 05/12/97 00
0430247569 05 07/01/97 0
4200991265 O 06/01/12
0
1585691 B28/G02 F 54,400.00 ZZ
180 54,400.00 1
2107 EAST GORDON AVENUE 8.500 535.70 80
8.250 535.70 68,000.00
SPOKANE WA 99207 5 05/19/97 00
0430252593 05 07/01/97 0
9970258 O 06/01/12
0
1
1585693 661/661 F 215,000.00 ZZ
180 214,385.53 1
2530 MEADOWVIEW CIRCLE 8.125 2,070.20 100
7.875 2,070.20 215,000.00
WINDERMERE FL 34786 1 04/25/97 92
2853513 03 06/01/97 30
2853513 O 05/01/12
0
1585701 687/G02 F 88,500.00 ZZ
180 88,500.00 1
13640 W 129TH TERRACE 9.000 897.63 60
8.750 897.63 148,610.00
OLATHE KS 66062 1 05/20/97 00
0430247304 05 07/01/97 0
1601008 O 06/01/12
0
1585727 286/286 F 35,100.00 ZZ
180 35,004.05 1
712-H BERING DRIVE 8.625 348.23 90
8.375 348.23 39,000.00
HOUSTON TX 77057 1 04/29/97 12
9169260 01 06/01/97 25
9169260 O 05/01/12
0
1585824 450/450 F 60,000.00 ZZ
180 60,000.00 1
48484 SAVOY CT. BLDG. 48-D 8.125 577.73 50
7.875 577.73 119,990.00
SHELBY TWP MI 48315 1 05/27/97 00
4293403 01 07/01/97 0
4293403 O 06/01/12
0
1585833 E22/G02 F 31,050.00 ZZ
180 31,050.00 1
902 CLINTON AVENUE 9.250 319.56 90
9.000 319.56 34,500.00
KALAMAZOO MI 49001 1 05/16/97 04
0410364236 05 07/01/97 25
410364236 N 06/01/12
0
1586117 E22/G02 F 16,000.00 ZZ
180 16,000.00 1
3131 SOUTHWEST FREEWAY #17 9.500 167.08 70
9.250 167.08 22,900.00
1
HOUSTON TX 77098 1 05/14/97 00
0410315931 01 07/01/97 0
410315931 N 06/01/12
0
1586127 E22/G02 F 38,250.00 ZZ
180 38,250.00 1
150 UNION STREET 9.250 393.67 85
9.000 393.67 45,000.00
BUCKEYE LAKE OH 43008 5 05/09/97 23
0410395040 05 07/01/97 0
410395040 O 06/01/12
0
1586225 E22/G02 F 17,550.00 ZZ
180 17,550.00 1
9520 ROYAL LANE, #311 9.500 183.26 75
9.250 183.26 23,400.00
DALLAS TX 75243 1 05/19/97 00
0410319446 01 07/01/97 0
410319446 N 06/01/12
0
1586315 E82/G02 F 26,000.00 ZZ
180 26,000.00 1
5009 NORTH HILLSIDE 8.125 250.35 65
7.875 250.35 40,000.00
INDIANAPOLIS IN 46205 1 05/23/97 00
0400039830 05 07/01/97 0
400039830 N 06/01/12
0
1586349 731/G02 F 117,000.00 ZZ
180 117,000.00 1
721 LA RODA COURT 9.000 1,186.69 78
8.750 1,186.69 150,000.00
ONTARIO CA 91762 2 05/16/97 00
0430250530 05 07/01/97 0
412610921 O 06/01/12
0
1586366 003/G02 F 30,400.00 ZZ
180 30,400.00 1
4802 NW 44TH AVENUE 8.875 306.09 80
8.625 306.09 38,000.00
TAMARAC FL 33319 1 05/28/97 00
0430251306 03 07/01/97 0
3814795 N 06/01/12
0
1
1586405 700/G02 F 61,600.00 ZZ
180 61,600.00 1
12719 WESTELLA 8.250 597.61 80
8.000 597.61 77,000.00
HOUSTON TX 77077 1 05/30/97 00
0430248328 03 07/01/97 0
123683 N 06/01/12
0
1586497 E22/G02 F 37,000.00 ZZ
180 37,000.00 1
6201 ESCONDIDO DRIVE 6-D 9.000 375.28 83
8.750 375.28 45,000.00
EL PASO TX 79912 1 05/27/97 12
0410318679 01 07/01/97 12
410318679 O 06/01/12
0
1586511 E22/G02 F 43,500.00 ZZ
180 43,500.00 2
615-617 SOUTH JEFFERSON STREET 9.625 457.52 70
9.375 457.52 63,000.00
HUNTINGTON IN 46750 5 05/22/97 00
0410367171 05 07/01/97 0
410367171 N 06/01/12
0
1586563 E22/G02 F 300,000.00 ZZ
180 299,224.92 1
7 DARIEN COURT 9.250 3,087.58 79
9.000 3,087.58 380,000.00
COLTS NECK NJ 07722 1 04/18/97 00
0410380596 05 06/01/97 0
410380596 O 05/01/12
0
1586700 480/G02 F 51,300.00 ZZ
180 51,300.00 2
1920-1922 WOODCREST AVENUE 9.375 531.82 90
9.125 531.82 57,000.00
CHARLOTTE NC 28203 1 05/20/97 10
0430252528 05 07/01/97 25
2014447 N 06/01/12
0
1586727 E22/G02 F 28,000.00 ZZ
180 28,000.00 1
1
1530 PLEASANT STREET 9.250 288.17 67
9.000 288.17 42,000.00
INDIANAPOLIS IN 46203 5 05/23/97 00
0410394696 05 07/01/97 0
410394696 N 06/01/12
0
1586730 E22/G02 F 32,000.00 T
180 32,000.00 1
2440 DEER CREEK CC BLVD. UNIT 8.625 317.47 54
#402C 8.375 317.47 60,000.00
DEERFIELD BEACH FL 33442 1 05/23/97 00
0410403372 01 07/01/97 0
410403372 O 06/01/12
0
1586980 369/G02 F 99,750.00 ZZ
180 99,212.49 1
4316 HARTFORD DRIVE 9.000 1,011.73 75
8.750 1,011.73 133,000.00
PLANO TX 75093 1 03/28/97 00
0430254177 05 05/01/97 0
60421765 N 04/01/12
0
1587277 731/G02 F 36,000.00 ZZ
180 36,000.00 1
1146 SOUTH EIGHTH STREET 8.750 359.80 47
8.500 359.80 78,000.00
EL CENTRO CA 92243 5 05/27/97 00
0430252494 01 07/01/97 0
413810557 N 06/01/12
0
1587313 E22/G02 F 50,000.00 ZZ
180 50,000.00 1
22226 CONCHA AVENUE 8.500 492.37 44
8.250 492.37 114,000.00
BOCA RATON FL 33428 5 05/21/97 00
0410405914 03 07/01/97 0
410405914 O 06/01/12
0
1587314 E22/G02 F 23,250.00 ZZ
180 23,250.00 1
6019 RIDGECREST DR. UNIT 202B 9.500 242.78 75
9.250 242.78 31,000.00
DALLAS TX 75231 1 05/23/97 00
0410319461 01 07/01/97 0
1
410319461 N 06/01/12
0
1587813 E22/G02 F 117,000.00 ZZ
180 117,000.00 1
10018 WASHINGTON AVENUE 9.125 1,195.41 89
8.875 1,195.41 132,000.00
TOWN MT. PLEASA WI 53177 1 05/21/97 04
0410326524 05 07/01/97 25
410326524 N 06/01/12
0
1587817 E22/G02 F 100,300.00 ZZ
180 100,300.00 1
4766 S. OLATHE STREET 8.750 1,002.45 85
8.500 1,002.45 118,000.00
AURORA CO 80015 5 05/23/97 01
0410388656 05 07/01/97 12
410388656 O 06/01/12
0
1587848 560/560 F 111,300.00 ZZ
180 111,300.00 3
145 BELMONT STREET 8.625 1,104.19 70
8.375 1,104.19 159,000.00
EVERETT MA 02149 5 05/28/97 00
450730684 05 07/01/97 0
450730684 N 06/01/12
0
1587953 253/253 F 220,000.00 ZZ
180 220,000.00 1
2000 CENTRAL ROAD 8.000 2,102.44 80
7.750 2,102.44 275,000.00
WEATHERFORD TX 76088 2 05/22/97 00
329300 05 07/01/97 0
329300 O 06/01/12
0
1588236 E22/G02 F 45,500.00 ZZ
180 45,500.00 1
2007 EAST 14TH STREET 9.000 461.49 70
8.750 461.49 65,000.00
AUSTIN TX 78702 5 05/30/97 00
0430253773 05 07/01/97 0
410319750 N 06/01/12
0
1
1589000 560/560 F 18,450.00 ZZ
180 18,450.00 1
312 NESMITH STREET 8.625 183.04 80
UNIT 10 8.375 183.04 23,111.00
LOWELL MA 01850 1 05/19/97 00
450722939 01 07/01/97 0
450722939 N 06/01/12
0
1589043 560/560 F 83,200.00 ZZ
180 83,200.00 1
3300 GLENCLIFF DRIVE 8.500 819.31 80
8.250 819.31 104,000.00
NASHVILLE TN 37211 1 05/15/97 00
450720123 05 07/01/97 0
450720123 O 06/01/12
0
1589047 560/560 F 42,250.00 ZZ
180 42,250.00 1
84 TENNIS PLAZA RD 1 8.625 419.16 65
8.375 419.16 65,000.00
DRACUT MA 03887 5 05/19/97 00
450722103 01 07/01/97 0
450722103 N 06/01/12
0
1589051 560/560 F 16,250.00 ZZ
180 16,250.00 1
242 LITA LANE 8.625 161.22 65
8.375 161.22 25,000.00
NEWMARKET NH 03857 1 05/19/97 00
450722129 01 07/01/97 0
450722129 N 06/01/12
0
1589530 687/G02 F 27,900.00 ZZ
180 27,900.00 1
94 NORTH ARLINGTON STREET 9.000 282.98 90
8.750 282.98 31,000.00
AKRON OH 44305 3 05/27/97 01
0430252833 05 07/01/97 25
1599429 N 06/01/12
0
1
TOTAL NUMBER OF LOANS : 1,283
TOTAL ORIGINAL BALANCE : 107,823,247.00
TOTAL PRINCIPAL BALANCE : 106,172,633.28
TOTAL ORIGINAL P+I : 1,067,997.64
TOTAL CURRENT P+I : 1,067,997.64
***************************
* END OF REPORT *
***************************
RUN ON : 06/27/97 RFC DISCLOSURE SYSTEM RFFSDFIX-01
AT : 05.47.18 FIXED PASSTHRU REPORT AMORTIZED BALANCE
SERIES : RALI 1997-QS5 30 YEAR CUTOFF : 06/01/97
POOL : 0004248
:
:
POOL STATUS: F
RFC LOAN NUMBER SUB SERV FEE
PRINCIPAL BALANCE MSTR SERV FEE
CURR NOTE RATE ALL EXP
RFC NET RATE MISC EXP
NET MTG RATE(INVSTR RATE) SPREAD
POST STRIP RATE STRIP
----------------------------------------------------------------
1448152 .2500
90,256.10 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
8.0000 1.2950
1512690 .2500
85,452.06 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
8.0000 .5450
1512691 .2500
85,452.06 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
8.0000 .5450
1524868 .2500
388,027.62 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
8.0000 .1700
1530025 .2500
74,959.03 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
8.0000 .6700
1531762 .2500
148,386.66 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
8.0000 .4200
1
1538676 .2500
51,945.86 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
8.0000 .9200
1543641 .2500
98,891.43 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
8.0000 .6700
1544407 .2500
118,685.71 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
8.0000 1.2950
1547777 .2500
204,569.51 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
8.0000 .5450
1550297 .2500
81,390.71 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
8.0000 1.0450
1550683 .2500
54,108.57 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
8.0000 1.1700
1550888 .2500
41,073.44 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
8.0000 .1700
1550978 .2500
83,982.46 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
8.0000 1.1700
1
1551176 .2500
70,244.46 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
8.0000 .6700
1551987 .2500
70,162.64 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
8.0000 .7950
1552120 .2500
99,666.95 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
8.0000 1.1700
1553550 .2500
149,752.37 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
8.0000 .6700
1553935 .2500
107,890.49 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
8.0000 1.0450
1554497 .2500
46,729.86 .0800
10.1250 .0000
9.8750 .0000
9.7950 .0000
8.0000 1.7950
1555407 .2500
87,915.35 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
8.0000 1.2950
1555983 .2500
32,534.41 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
8.0000 1.2950
1
1556077 .2500
59,371.54 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
8.0000 1.2950
1556165 .2500
155,824.43 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
8.0000 .5450
1556172 .2500
54,844.34 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
8.0000 1.0450
1556194 .2500
87,135.05 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
8.0000 1.4200
1556214 .2500
162,620.73 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
8.0000 .4200
1556603 .2500
118,509.05 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
8.0000 .1700
1556631 .2500
125,482.32 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
8.0000 1.4200
1556712 .2500
62,331.58 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
8.0000 .6700
1
1556776 .2500
44,946.67 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
8.0000 .2950
1557031 .2500
33,982.83 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
8.0000 1.0450
1557127 .2500
103,809.65 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
8.0000 .1700
1557565 .2500
144,219.88 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
8.0000 .0450
1558853 .2500
131,214.58 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
8.0000 1.4200
1559088 .2500
135,139.66 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
8.0000 .2950
1559281 .2500
146,250.00 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
8.0000 .9200
1559530 .2500
114,148.12 .0800
9.8750 .0000
9.6250 .0000
9.5450 .0000
8.0000 1.5450
1
1559746 .2500
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8.0000 .9200
1586209 .2500
43,650.00 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
8.0000 1.4200
1
1586211 .2500
21,750.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
8.0000 .5450
1586214 .2500
46,600.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
8.0000 .4200
1586217 .2500
74,700.00 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
8.0000 1.2950
1586227 .2500
146,400.00 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
8.0000 .0450
1586231 .2500
148,000.00 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
8.0000 .1700
1586234 .2500
101,250.00 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
8.0000 .7950
1586237 .2500
108,000.00 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
8.0000 .7950
1586246 .2500
184,000.00 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
8.0000 .6700
1
1586321 .2500
37,800.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
8.0000 .5450
1586332 .2500
29,250.00 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
8.0000 .2950
1586343 .2500
400,000.00 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
8.0000 .1700
1586344 .2500
64,350.00 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
8.0000 1.2950
1586347 .2500
21,600.00 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
8.0000 1.2950
1586359 .2500
112,500.00 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
8.0000 .9200
1586360 .2500
49,500.00 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
8.0000 .7950
1586361 .2500
49,500.00 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
8.0000 .7950
1
1586363 .2500
93,600.00 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
8.0000 1.0450
1586364 .2500
29,035.71 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
8.0000 1.1700
1586369 .2500
63,200.00 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
8.0000 .7950
1586370 .2500
66,300.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
8.0000 .5450
1586371 .2500
90,400.00 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
8.0000 .6700
1586372 .2500
36,982.74 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
8.0000 1.4200
1586375 .2500
137,600.00 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
8.0000 .0450
1586404 .3750
65,250.00 .0800
9.7500 .0000
9.3750 .0000
9.2950 .0000
8.0000 1.2950
1
1586453 .2500
74,000.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
8.0000 .4200
1586470 .2500
125,950.00 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
8.0000 .6700
1586471 .2500
126,000.00 .0300
8.1250 .0000
7.8750 .0000
7.8450 .0000
7.8450 .0000
1586478 .2500
251,650.00 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
8.0000 .1700
1586482 .2500
126,400.00 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
8.0000 .7950
1586485 .2500
204,000.00 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
8.0000 .0450
1586487 .2500
113,600.00 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
8.0000 .1700
1586500 .2500
138,800.00 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
8.0000 .9200
1
1586532 .2500
128,181.74 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
8.0000 .7950
1586582 .2500
90,000.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
8.0000 .4200
1586604 .2500
500,000.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
8.0000 .4200
1586616 .2500
45,000.00 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
7.5950 .0000
1586632 .2500
40,050.00 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
8.0000 1.4200
1586690 .2500
126,900.00 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
8.0000 .6700
1586693 .2500
88,000.00 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
8.0000 .9200
1586696 .2500
104,749.79 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
8.0000 1.2950
1
1586697 .2500
80,000.00 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
8.0000 .9200
1586711 .2500
130,000.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
8.0000 .5450
1586725 .2500
54,000.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
8.0000 .5450
1586762 .2500
77,550.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
8.0000 .5450
1586765 .2500
52,469.79 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
8.0000 .4200
1586766 .2500
36,900.00 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
8.0000 .9200
1586840 .2500
100,800.00 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
8.0000 1.2950
1586926 .2500
392,000.00 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
8.0000 .2950
1
1586927 .2500
120,000.00 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
8.0000 .0450
1586929 .2500
128,600.00 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
8.0000 .2950
1586976 .2500
40,000.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
8.0000 .5450
1586997 .2500
170,800.00 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
7.5950 .0000
1587001 .2500
189,600.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
8.0000 .4200
1587285 .2500
120,000.00 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
8.0000 .1700
1587291 .2500
140,000.00 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
8.0000 .0450
1587827 .2500
91,200.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
8.0000 .5450
1
1587939 .2500
131,900.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
8.0000 .5450
TOTAL NUMBER OF LOANS: 1767
TOTAL BALANCE........: 192,360,424.83
RUN ON : 06/27/97 RFC DISCLOSURE SYSTEM RFFSDFIX-01
AT : 05.47.18 INITIAL SECURITY FEES AMORTIZED BALANCE
SERIES : RALI 1997-QS5 30 YR FIXED SUMMARY REPORT CUTOFF : 06/01/97
POOL : 0004248
:
:
POOL STATUS: F
WEIGHTED AVERAGES FROM TO
------------------------------------------------------------------------
CURR NOTE RATE 8.9586 7.1250 10.5000
RFC NET RATE 8.7082 6.8750 10.2500
NET MTG RATE(INVSTR RATE) 8.6296 6.7950 10.1700
POST STRIP RATE 7.9859 6.7950 8.0000
SUB SERV FEE .2504 .2500 1.1250
MSTR SERV FEE .0786 .0300 .0800
ALL EXP .0000 .0000 .0000
MISC EXP .0000 .0000 .0000
SPREAD .0000 .0000 .0000
STRIP .6438 .0000 2.1700
TOTAL NUMBER OF LOANS: 1767
TOTAL BALANCE........: 192,360,424.83
***************************
* END OF REPORT *
***************************
<PAGE>
EXHIBIT G
FORM OF SELLER/SERVICER CONTRACT
This Seller/Servicer Contract (as may be amended, supplemented or
otherwise modified from time to time, this "Contract") is made this _________
day of _______, 19____, by and between Residential Funding Corporation, its
successors and assigns ("Residential Funding") and _____________________ (the
"Seller/Servicer," and, together with Residential Funding, the "parties" and
each, individually, a "party").
WHEREAS, the Seller/Servicer desires to sell Loans to, and/or service
Loans for, Residential Funding, and Residential Funding desires to purchase
Loans from the Seller/Servicer and/or have the Seller/Servicer service various
of its Loans, pursuant to the terms of this Contract and the Residential Funding
Seller and Servicer Guides incorporated herein by reference, as amended,
supplemented or otherwise modified, from time to time (together, the "Guides").
NOW, THEREFORE, in consideration of the premises, and the terms,
conditions and agreements set forth below, the parties agree as follows:
1. Incorporation of Guides by Reference.
The Seller/Servicer acknowledges that it has received and read the
Guides. All provisions of the Guides are incorporated by reference into and made
a part of this Contract, and shall be binding upon the parties; provided,
however, that the Seller/Servicer shall be entitled to sell Loans to and/or
service Loans for Residential Funding only if and for so long as it shall have
been authorized to do so by Residential Funding in writing. Specific reference
in this Contract to particular provisions of the Guides and not to other
provisions does not mean that those provisions of the Guides not specifically
cited in this Contract are not applicable. All terms used herein shall have the
same meanings as such terms have in the Guides, unless the context clearly
requires otherwise.
2. Amendments.
This Contract may not be amended or modified orally, and no provision
of this Contract may be waived or amended except in writing signed by the party
against whom enforcement is sought. Such a written waiver or amendment must
expressly reference this Contract. However, by their terms, the Guides may be
amended or supplemented by Residential Funding from time to time. Any such
amendment(s) to the Guides shall be binding upon the parties hereto.
<PAGE>
3. Representations and Warranties.
a. Reciprocal Representations and Warranties.
The Seller/Servicer and Residential Funding each represents
and warrants to the other that as of the date of this Contract:
(1) Each party is duly organized, validly existing,
and in good standing under the laws of its
jurisdiction of organization, is qualified, if
necessary, to do business and in good standing in
each jurisdiction in which it is required to be so
qualified, and has the requisite power and
authority to enter into this Contract and all
other agreements which are contemplated by this
Contract and to carry out its obligations
hereunder and under the Guides and under such
other agreements.
(2) This Contract has been duly authorized, executed and
delivered by each party and constitutes a valid and
legally binding agreement of each party enforceable
in accordance with its terms.
(3) There is no action, proceeding or investigation
pending or threatened, and no basis therefor is known
to either party, that could affect the validity or
prospective validity of this Contract.
(4) Insofar as its capacity to carry out any
obligation under this Contract is concerned,
neither party is in violation of any charter,
articles of incorporation, bylaws, mortgage,
indenture, indebtedness, agreement, instrument,
judgment, decree, order, statute, rule or
regulation and none of the foregoing adversely
affects its capacity to fulfill any of its
obligations under this Contract. Its execution
of, and performance pursuant to, this Contract
will not result in a violation of any of the
foregoing.
b. Seller/Servicer's Representations, Warranties and
Covenants.
In addition to the representations, warranties and covenants
made by the Seller/Servicer pursuant to subparagraph (a) of
this paragraph 3, the Seller/Servicer makes the
representations, warranties and covenants set forth in the
Guides and, upon request, agrees to deliver to Residential
Funding the certified Resolution of Board of Directors which
authorizes the execution and delivery of this Contract.
G-2
<PAGE>
4. Remedies of Residential Funding.
If an Event of Seller Default or an Event of Servicer Default shall
occur, Residential Funding may, at its option, exercise one or more of those
remedies set forth in the Guides.
5. Seller/Servicer's Status as Independent Contractor.
At no time shall the Seller/Servicer represent that it is acting as an
agent of Residential Funding. The Seller/Servicer shall, at all times, act as an
independent contractor.
6. Prior Agreements Superseded.
This Contract restates, amends and supersedes any and all prior Seller
Contracts or Servicer Contracts between the parties except that any subservicing
agreement executed by the Seller/Servicer in connection with any loan-security
exchange transaction shall not be affected.
7. Assignment.
This Contract may not be assigned or transferred, in whole or in part,
by the Seller/Servicer without the prior written consent of Residential Funding.
Residential Funding may sell, assign, convey, hypothecate, pledge or in any
other way transfer, in whole or in part, without restriction, its rights under
this Contract and the Guides with respect to any Commitment or Loan.
8. Notices.
All notices, requests, demands or other communications that are to be
given under this Contract shall be in writing, addressed to the appropriate
parties and sent by telefacsimile or by overnight courier or by United States
mail, postage prepaid, to the addresses and telefacsimile numbers specified
below. However, another name, address and/or telefacsimile number may be
substituted by the Seller/Servicer pursuant to the requirements of this
paragraph 8, or Residential Funding pursuant to an amendment to the Guides.
If to Residential Funding, notices must be sent to the appropriate address or
telefacsimile number specified in the Guides.
G-3
<PAGE>
If to the Seller/Servicer, notice must be sent to:
Attention:
Telefacsimile Number: (___) ___-____
9. Jurisdiction and Venue.
Each of the parties irrevocably submits to the jurisdiction of any
state or federal court located in Hennepin County, Minnesota, over any action,
suit or proceeding to enforce or defend any right under this Contract or
otherwise arising from any loan sale or servicing relationship existing in
connection with this Contract, and each of the parties irrevocably agrees that
all claims in respect of any such action or proceeding may be heard or
determined in such state or federal court. Each of the parties irrevocably
waives the defense of an inconvenient forum to the maintenance of any such
action or proceeding and any other substantive or procedural rights or remedies
it may have with respect to the maintenance of any such action or proceeding in
any such forum. Each of the parties agrees that a final judgment in any such
action or proceeding shall be conclusive and may be enforced in any other
jurisdiction by suit on the judgment or in any other manner provided by law.
Each of the parties further agrees not to institute any legal actions or
proceedings against the other party or any director, officer, employee,
attorney, agent or property of the other party, arising out of or relating to
this Contract in any court other than as hereinabove specified in this paragraph
9.
10. Miscellaneous.
This Contract, including all documents incorporated by reference
herein, constitutes the entire understanding between the parties hereto and
supersedes all other agreements, covenants, representations, warranties,
understandings and communications between the parties, whether written or oral,
with respect to the transactions contemplated by this Contract. All paragraph
headings contained herein are for convenience only and shall not be construed as
part of this Contract. Any provision of this Contract that is prohibited or
unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective
to the extent of such prohibition or unenforceability without invalidating the
remaining portions hereof or affecting the validity or enforceability of such
provision in any other jurisdiction, and, to this end, the provisions hereof are
severable. This Contract shall be governed by, and construed and
G-4
<PAGE>
enforced in accordance with, applicable federal laws and the laws
of the State of Minnesota.
G-5
<PAGE>
IN WITNESS WHEREOF, the duly authorized officers of the Seller/Servicer
and Residential Funding have executed this Seller/Servicer Contract as of the
date first above written.
ATTEST: SELLER/SERVICER
[Corporate Seal]
(Name of Seller/Servicer)
By: By:
(Signature) (Signature)
By:
(Typed Name) (Typed Name)
Title: Title:
ATTEST: RESIDENTIAL FUNDING CORPORATION
By: By:
(Signature) (Signature)
By:
(Typed Name) (Typed Name)
Title: Title:
G-6
<PAGE>
EXHIBIT H
FORMS OF REQUEST FOR RELEASE
DATE:
TO:
RE: REQUEST FOR RELEASE OF DOCUMENTS
In connection with the administration of the pool of Mortgage Loans held by you
for the referenced pool, we request the release of the Mortgage Loan File
described below.
Pooling and Servicing Agreement Dated:
Series#:
Account#:
Pool#:
Loan#:
Borrower Name(s):
Reason for Document Request: (circle one) Mortgage Loan
Prepaid in Full
Mortgage Loan Repurchased
"We hereby certify that all amounts received or to be received in connection
with such payments which are required to be deposited have been or will be so
deposited as provided in the Pooling and Servicing Agreement."
Residential Funding Corporation
Authorized Signature
****************************************************************
TO CUSTODIAN/TRUSTEE: Please acknowledge this request, and check off documents
being enclosed with a copy of this form. You should retain this form for your
files in accordance with the terms of the Pooling and Servicing Agreement.
Enclosed Documents: [ ] Promissory Note
[ ] Primary Insurance Policy
[ ] Mortgage or Deed of Trust
[ ] Assignment(s) of Mortgage or
Deed of Trust
[ ] Title Insurance Policy
[ ] Other:
Name
Title
Date
<PAGE>
EXHIBIT I-1
FORM OF TRANSFER AFFIDAVIT AND AGREEMENT
STATE OF )
: ss.:
COUNTY OF )
[NAME OF OFFICER], being first duly sworn, deposes and
says:
1. That he is [Title of Officer] of [Name of Owner] (record or
beneficial owner of the Mortgage Asset-Backed Pass-Through Certificates, Series
1997-QS6, Class R (the "Owner")), a [savings institution] [corporation] duly
organized and existing under the laws of [the State of __________________] [the
United States], on behalf of which he makes this affidavit and agreement.
2. That the Owner (i) is not and will not be a "disqualified
organization" as of [date of transfer] within the meaning of Section 860E(e)(5)
of the Internal Revenue Code of 1986, as amended (the "Code"), (ii) will
endeavor to remain other than a disqualified organization for so long as it
retains its ownership interest in the Class R Certificates, and (iii) is
acquiring the Class R Certificates for its own account or for the account of
another Owner from which it has received an affidavit and agreement in
substantially the same form as this affidavit and agreement. (For this purpose,
a "disqualified organization" means the United States, any state or political
subdivision thereof, any agency or instrumentality of any of the foregoing
(other than an instrumentality all of the activities of which are subject to tax
and, except for the Federal Home Loan Mortgage Corporation, a majority of whose
board of directors is not selected by any such governmental entity) or any
foreign government, international organization or any agency or instrumentality
of such foreign government or organization, any rural electric or telephone
cooperative, or any organization (other than certain farmers' cooperatives) that
is generally exempt from federal income tax unless such organization is subject
to the tax on unrelated business taxable income).
3. That the Owner is aware (i) of the tax that would be
imposed on transfers of Class R Certificates to disqualified organizations under
the Code, that applies to all transfers of Class R Certificates after March 31,
1988; (ii) that such tax would be on the transferor, or, if such transfer is
through an agent (which person includes a broker, nominee or middleman) for a
disqualified organization, on the agent; (iii) that the person otherwise liable
for the tax shall be relieved of liability for the tax if the transferee
furnishes to such person an affidavit that the transferee is not a disqualified
organization and, at the time of transfer, such person does not have actual
knowledge that the affidavit is false; and (iv) that the Class R Certificates
may be "noneconomic residual interests" within the meaning of Treasury
regulations promulgated pursuant to the Code
<PAGE>
and that the transferor of a noneconomic residual interest will remain liable
for any taxes due with respect to the income on such residual interest, unless
no significant purpose of the transfer was to impede the assessment or
collection of tax.
4. That the Owner is aware of the tax imposed on a
"pass-through entity" holding Class R Certificates if at any time during the
taxable year of the pass-through entity a disqualified organization is the
record holder of an interest in such entity. (For this purpose, a "pass through
entity" includes a regulated investment company, a real estate investment trust
or common trust fund, a partnership, trust or estate, and certain cooperatives.)
5. The Owner is a citizen or resident of the United States, a
corporation, partnership or other entity created or organized in, or under the
laws of, the United States or any political subdivision thereof, or an estate
that is described in Section 7701(a)(30)(D) of the Code, or a trust that is
described in Section 7701(a)(30)(E) of the Code, or trust whose income from
sources without the United States is includible in gross income for United
States federal income tax purposes regardless of its connection with the conduct
of a trade or business within the United States.
6. That the Owner is aware that the Trustee will not register
the transfer of any Class R Certificates unless the transferee, or the
transferee's agent, delivers to it an affidavit and agreement, among other
things, in substantially the same form as this affidavit and agreement. The
Owner expressly agrees that it will not consummate any such transfer if it knows
or believes that any of the representations contained in such affidavit and
agreement are false.
7. That the Owner has reviewed the restrictions set forth on
the face of the Class R Certificates and the provisions of Section 5.02(f) of
the Pooling and Servicing Agreement under which the Class R Certificates were
issued (in particular, clause (iii)(A) and (iii)(B) of Section 5.02(f) which
authorize the Trustee to deliver payments to a person other than the Owner and
negotiate a mandatory sale by the Trustee in the event the Owner holds such
Certificates in violation of Section 5.02(f)). The Owner expressly agrees to be
bound by and to comply with such restrictions and provisions.
8. That the Owner consents to any additional restrictions or
arrangements that shall be deemed necessary upon advice of counsel to constitute
a reasonable arrangement to ensure that the Class R Certificates will only be
owned, directly or indirectly, by an Owner that is not a disqualified
organization.
9. The Owner's Taxpayer Identification Number is
- --------------.
I-1-2
<PAGE>
10. This affidavit and agreement relates only to the Class R
Certificates held by the Owner and not to any other holder of the Class R
Certificates. The Owner understands that the liabilities described herein relate
only to the Class R Certificates.
11. That no purpose of the Owner relating to the transfer of
any of the Class R Certificates by the Owner is or will be to impede the
assessment or collection of any tax.
12. That the Owner has no present knowledge or expectation
that it will be unable to pay any United States taxes owed by it so long as any
of the Certificates remain outstanding. In this regard, the Owner hereby
represents to and for the benefit of the person from whom it acquired the Class
R Certificate that the Owner intends to pay taxes associated with holding such
Class R Certificate as they become due, fully understanding that it may incur
tax liabilities in excess of any cash flows generated by the Class R
Certificate.
13. That the Owner has no present knowledge or expectation
that it will become insolvent or subject to a bankruptcy proceeding for so long
as any of the Class R Certificates remain outstanding.
14. The Purchaser is not an employee benefit plan or other
plan subject to the prohibited transaction provisions of the Employee Retirement
Income Security Act of 1974, as amended ("ERISA"), or Section 4975 of the
Internal Revenue Code of 1986, as amended (the "Code"), or an investment
manager, named fiduciary or a trustee of any such plan, or any other Person
acting, directly or indirectly, on behalf of or purchasing any Certificate with
"plan assets" of any such plan.
I-1-3
<PAGE>
IN WITNESS WHEREOF, the Owner has caused this instrument to be
executed on its behalf, pursuant to the authority of its Board of Directors, by
its [Title of Officer] and its corporate seal to be hereunto attached, attested
by its [Assistant] Secretary, this ____ day of _______________, 199__.
[NAME OF OWNER]
By:
[Name of Officer]
[Title of Officer]
[Corporate Seal]
ATTEST:
[Assistant] Secretary
Personally appeared before me the above-named [Name of
Officer], known or proved to me to be the same person who executed the foregoing
instrument and to be the [Title of Officer] of the Owner, and acknowledged to me
that he executed the same as his free act and deed and the free act and deed of
the Owner.
Subscribed and sworn before me this ____ day of
________________, 199__.
NOTARY PUBLIC
COUNTY OF
STATE OF
My Commission expires the
____ day of
_______________, 19__.
I-1-4
<PAGE>
EXHIBIT I-2
FORM OF TRANSFEROR CERTIFICATE
__________________, 19__
Residential Accredit Loans, Inc.
8400 Normandale Lake Boulevard
Suite 600
Minneapolis, Minnesota 55437
Bankers Trust Company
3 Park Plaza
Irvine, California 92714
Attention: Residential Funding Corporation Series 1997-QS6
Re: Mortgage Asset-Backed Pass-Through Certificates,
Series 1997-QS6, Class R
Ladies and Gentlemen:
This letter is delivered to you in connection with the
transfer by _______________________________ (the "Seller") to
_______________________________ (the "Purchaser") of $_____________ Initial
Certificate Principal Balance of Mortgage Asset-Backed Pass-Through
Certificates, Series 1997-QS6, Class R (the "Certificates"), pursuant to Section
5.02 of the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement"), dated as of June 1, 1997 among Residential Accredit Loans, Inc., as
seller (the "Company"), Residential Funding Corporation, as master servicer, and
Bankers Trust Company, as trustee (the "Trustee"). All terms used herein and not
otherwise defined shall have the meanings set forth in the Pooling and Servicing
Agreement. The Seller hereby certifies, represents and warrants to, and
covenants with, the Company and the Trustee that:
1. No purpose of the Seller relating to the transfer
of the Certificate by the Seller to the Purchaser is or will be
to impede the assessment or collection of any tax.
2. The Seller understands that the Purchaser has delivered to
the Trustee and the Master Servicer a transfer affidavit and agreement in the
form attached to the Pooling and Servicing Agreement as Exhibit I-1. The Seller
does not know or believe that any representation contained therein is false.
3. The Seller has at the time of the transfer conducted a
reasonable investigation of the financial condition of the Purchaser as
contemplated by Treasury Regulations Section 1.860E-1(c)(4)(i) and, as a result
of that investigation, the Seller has determined that the Purchaser has
historically paid its debts as they become due and has found no significant
evidence to indicate that the Purchaser will not continue to pay
<PAGE>
its debts as they become due in the future. The Seller understands that the
transfer of a Class R Certificate may not be respected for United States income
tax purposes (and the Seller may continue to be liable for United States income
taxes associated therewith) unless the Seller has conducted such an
investigation.
4. The Seller has no actual knowledge that the
proposed Transferee is not both a United States Person and a
Permitted Transferee.
Very truly yours,
(Seller)
By:
Name:
Title:
I-2-2
<PAGE>
EXHIBIT J-1
FORM OF INVESTOR REPRESENTATION LETTER
______________, 19__
Residential Accredit Loans, Inc.
8400 Normandale Lake Boulevard
Suite 600
Minneapolis, MN 55437
Bankers Trust Company
3 Park Plaza
Irvine, California 92714
Attention: Residential Funding Corporation Series 1997-QS6
RE: Mortgage Asset-Backed Pass-Through Certificates,
Series 1997-QS6, [Class B-]
Ladies and Gentlemen:
_________________________ (the "Purchaser") intends to
purchase from ___________________________ (the "Seller") $_____________ Initial
Certificate Principal Balance of Mortgage Asset-Backed Pass-Through
Certificates, Series 1997-QS6, Class __ (the "Certificates"), issued pursuant to
the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"),
dated as of June 1, 1997 among Residential Accredit Loans, Inc., as seller (the
"Company"), Residential Funding Corporation, as master servicer, and Bankers
Trust Company, as trustee (the "Trustee"). All terms used herein and not
otherwise defined shall have the meanings set forth in the Pooling and Servicing
Agreement. The Purchaser hereby certifies, represents and warrants to, and
covenants with, the Company and the Trustee that:
1. The Purchaser understands that (a) the Certificates
have not been and will not be registered or qualified under
the Securities Act of 1933, as amended (the "Act") or any
state securities law, (b) the Company is not required to so
register or qualify the Certificates, (c) the Certificates may
be resold only if registered and qualified pursuant to the
provisions of the Act or any state securities law, or if an
exemption from such registration and qualification is
available, (d) the Pooling and Servicing Agreement contains
restrictions regarding the transfer of the Certificates and
(e) the Certificates will bear a legend to the foregoing
effect.
2. The Purchaser is acquiring the Certificates for its
own account for investment only and not with a view to or for
sale in connection with any distribution thereof in any manner
that would violate the Act or any applicable state securities
laws.
<PAGE>
3. The Purchaser is (a) a substantial, sophisticated
institutional investor having such knowledge and experience in
financial and business matters, and, in particular, in such
matters related to securities similar to the Certificates,
such that it is capable of evaluating the merits and risks of
investment in the Certificates, (b) able to bear the economic
risks of such an investment and (c) an "accredited investor"
within the meaning of Rule 501(a) promulgated pursuant to the
Act.
4. The Purchaser has been furnished with, and has had
an opportunity to review (a) [a copy of the Private Placement
Memorandum, dated ___________________, 19__, relating to the
Certificates (b)] a copy of the Pooling and Servicing
Agreement and [b] [c] such other information concerning the
Certificates, the Mortgage Loans and the Company as has been
requested by the Purchaser from the Company or the Seller and
is relevant to the Purchaser's decision to purchase the
Certificates. The Purchaser has had any questions arising from
such review answered by the Company or the Seller to the
satisfaction of the Purchaser. [If the Purchaser did not
purchase the Certificates from the Seller in connection with
the initial distribution of the Certificates and was provided
with a copy of the Private Placement Memorandum (the
"Memorandum") relating to the original sale (the "Original
Sale") of the Certificates by the Company, the Purchaser
acknowledges that such Memorandum was provided to it by the
Seller, that the Memorandum was prepared by the Company solely
for use in connection with the Original Sale and the Company
did not participate in or facilitate in any way the purchase
of the Certificates by the Purchaser from the Seller, and the
Purchaser agrees that it will look solely to the Seller and
not to the Company with respect to any damage, liability,
claim or expense arising out of, resulting from or in
connection with (a) error or omission, or alleged error or
omission, contained in the Memorandum, or (b) any information,
development or event arising after the date of the
Memorandum.]
5. The Purchaser has not and will not nor has it
authorized or will it authorize any person to (a) offer,
pledge, sell, dispose of or otherwise transfer any
Certificate, any interest in any Certificate or any other
similar security to any person in any manner, (b) solicit any
offer to buy or to accept a pledge, disposition of other
transfer of any Certificate, any interest in any Certificate
or any other similar security from any person in any manner,
(c) otherwise approach or negotiate with respect to any
Certificate, any interest in any Certificate or any other
similar security with any person in any manner, (d) make any
J-1-2
<PAGE>
general solicitation by means of general advertising or in any
other manner or (e) take any other action, that (as to any of
(a) through (e) above) would constitute a distribution of any
Certificate under the Act, that would render the disposition
of any Certificate a violation of Section 5 of the Act or any
state securities law, or that would require registration or
qualification pursuant thereto. The Purchaser will not sell or
otherwise transfer any of the Certificates, except in
compliance with the provisions of the Pooling and Servicing
Agreement.
6. The Purchaser
(a) is not an employee benefit or other
plan subject to the prohibited transaction provisions of the
Employee Retirement Income Security Act of 1974, as amended
("ERISA"), or Section 4975 of the Internal Revenue Code of
1986, as amended (the "Code") (a "Plan"), or any other person
(including an investment manager, a named fiduciary or a
trustee of any Plan) acting, directly or indirectly, on behalf
of or purchasing any Certificate with "plan assets" of any
Plan; or
(b) is an insurance company, the source of
funds to be used by it to purchase the Certificates is an
"insurance company general account" (within the meaning of
Department of Labor Prohibited Transaction Class Exemption
("PTCE") 95-60), and the purchase is being made in reliance
upon the availability of the exemptive relief afforded under
Section III of PTCE 95-60.
Very truly yours,
By:
Name:
Title:
J-1-3
<PAGE>
EXHIBIT J-2
FORM OF ERISA REPRESENTATION LETTER
_____________, 199_
Residential Funding Corporation
8400 Normandale Lake Boulevard
Suite 600
Minneapolis, Minnesota 55437
Residential Accredit Loans, Inc.
8400 Normandale Lake Boulevard
Suite 600
Minneapolis, Minnesota 55437
Bankers Trust Company
Four Albany Street
New York, New York 10006
Attention: Residential Funding Corporation Series 1997-QS_
Re: Mortgage Asset-Backed Pass-Through
Certificates, Series 1997-QS_, Class M-__
Dear Sirs:
________________ (the "Purchaser") intends to purchase
from___________________ (the "Seller") $________________ Initial Certificate
Principal Balance of Mortgage Asset-Backed Pass-Through Certificates, Series
1997-QS_, Class M-__ (the "Certificates"), issued pursuant to the Pooling and
Servicing Agreement (the "Pooling and Servicing Agreement"), dated as of June 1,
1997, among Residential Accredit Loans, Inc., as seller (the "Company"),
Residential Funding Corporation, as master servicer (the "Master Servicer") and
Bankers Trust Company, as (the "Trustee"). All terms used herein and not
otherwise defined shall have the meanings set forth in the Pooling and Servicing
Agreement. The Purchaser hereby certifies, represents and warrants to, and
covenants with the Company, the Trustee and the Master Servicer that the
following statements in either (1) or (2) are accurate:
(a) is not an employee benefit or other plan subject
to the prohibited transaction provisions of the Employee
Retirement Income Security Act of 1974, as amended ("ERISA"),
or Section 4975 of the Internal Revenue Code of 1986, as
amended (the "Code") (a "Plan"), or any other person
(including an investment manager, a named fiduciary or a
trustee of any Plan) acting, directly or indirectly, on behalf
of or purchasing any Certificate with "plan assets" of any
Plan; or
<PAGE>
(b) is an insurance company, the source of funds to be
used by it to purchase the Certificates is an "insurance
company general account" (within the meaning of Department of
Labor Prohibited Transaction Class Exemption ("PTCE") 95-60),
and the purchase is being made in reliance upon the
availability of the exemptive relief afforded under Section
III of PTCE 95-60.
Very truly yours,
By:
Name:
Title:
J-2-2
<PAGE>
EXHIBIT K
FORM OF TRANSFEROR REPRESENTATION LETTER
, 19
Residential Accredit Loans, Inc.
8400 Normandale Lake Boulevard
Suite 600
Minneapolis, MN 55437
Bankers Trust Company
3 Park Plaza
Irvine, California 92714
Attention: Residential Funding Corporation Series 1997-QS6
Re: Mortgage
Asset-Backed Pass-Through Certificates,
Series 1997-QS6,
[Class B-]
Ladies and Gentlemen:
In connection with the sale by (the "Seller") to (the
"Purchaser") of $ Initial Certificate Principal Balance of Mortgage Asset-Backed
Pass-Through Certificates, Series 1997-QS6, Class (the "Certificates"), issued
pursuant to the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement"), dated as of June 1, 1997 among Residential Accredit Loans, Inc., as
seller (the "Company"), Residential Funding Corporation, as master servicer, and
Bankers Trust Company, as trustee (the "Trustee"). The Seller hereby certifies,
represents and warrants to, and covenants with, the Company and the Trustee
that:
Neither the Seller nor anyone acting on its behalf has
(a) offered, pledged, sold, disposed of or otherwise transferred
any Certificate, any interest in any Certificate or any other
similar security to any person in any manner, (b) has solicited
any offer to buy or to accept a pledge, disposition or other
transfer of any Certificate, any interest in any Certificate or
any other similar security from any person in any manner, (c) has
otherwise approached or negotiated with respect to any
Certificate, any interest in any Certificate or any other similar
security with any person in any manner, (d) has made any general
solicitation by means of general advertising or in any other
manner, or (e) has taken any other action, that (as to any of (a)
through (e) above) would constitute a distribution of the
Certificates under the Securities Act of 1933 (the "Act"), that
would render the disposition of any Certificate a violation of
Section 5 of the Act or any state securities law, or that would
require registration or qualification pursuant thereto. The
<PAGE>
Seller will not act, in any manner set forth in the foregoing sentence with
respect to any Certificate. The Seller has not and will not sell or otherwise
transfer any of the Certificates, except in compliance with the provisions of
the Pooling and Servicing Agreement.
Very truly yours,
(Seller)
By:
Name:
Title:
K-2
<PAGE>
EXHIBIT L
[FORM OF RULE 144A INVESTMENT REPRESENTATION]
Description of Rule 144A Securities, including
numbers:
===============================================
===============================================
The undersigned seller, as registered holder (the "Seller"),
intends to transfer the Rule 144A Securities described above to the undersigned
buyer (the "Buyer").
1. In connection with such transfer and in accordance with the
agreements pursuant to which the Rule 144A Securities were issued, the Seller
hereby certifies the following facts: Neither the Seller nor anyone acting on
its behalf has offered, transferred, pledged, sold or otherwise disposed of the
Rule 144A Securities, any interest in the Rule 144A Securities or any other
similar security to, or solicited any offer to buy or accept a transfer, pledge
or other disposition of the Rule 144A Securities, any interest in the Rule 144A
Securities or any other similar security from, or otherwise approached or
negotiated with respect to the Rule 144A Securities, any interest in the Rule
144A Securities or any other similar security with, any person in any manner, or
made any general solicitation by means of general advertising or in any other
manner, or taken any other action, that would constitute a distribution of the
Rule 144A Securities under the Securities Act of 1933, as amended (the "1933
Act"), or that would render the disposition of the Rule 144A Securities a
violation of Section 5 of the 1933 Act or require registration pursuant thereto,
and that the Seller has not offered the Rule 144A Securities to any person other
than the Buyer or another "qualified institutional buyer" as defined in Rule
144A under the 1933 Act.
2. The Buyer warrants and represents to, and covenants with,
the Seller, the Trustee and the Master Servicer (as defined in the Pooling and
Servicing Agreement (the "Agreement"), dated as of June 1, 1997 among
Residential Funding Corporation as Master Servicer, Residential Accredit Loans,
Inc. as depositor pursuant to Section 5.02 of the Agreement and Bankers Trust
Company, as trustee, as follows:
a. The Buyer understands that the Rule 144A
Securities have not been registered under the 1933 Act or the
securities laws of any state.
b. The Buyer considers itself a substantial,
sophisticated institutional investor having such knowledge and
experience in financial and business matters that it is capable of
evaluating the merits and risks of investment in the Rule 144A
Securities.
<PAGE>
c. The Buyer has been furnished with all information
regarding the Rule 144A Securities that it has requested from the
Seller, the Trustee or the Servicer.
d. Neither the Buyer nor anyone acting on its behalf
has offered, transferred, pledged, sold or otherwise disposed of the
Rule 144A Securities, any interest in the Rule 144A Securities or any
other similar security to, or solicited any offer to buy or accept a
transfer, pledge or other disposition of the Rule 144A Securities, any
interest in the Rule 144A Securities or any other similar security
from, or otherwise approached or negotiated with respect to the Rule
144A Securities, any interest in the Rule 144A Securities or any other
similar security with, any person in any manner, or made any general
solicitation by means of general advertising or in any other manner, or
taken any other action, that would constitute a distribution of the
Rule 144A Securities under the 1933 Act or that would render the
disposition of the Rule 144A Securities a violation of Section 5 of the
1933 Act or require registration pursuant thereto, nor will it act, nor
has it authorized or will it authorize any person to act, in such
manner with respect to the Rule 144A Securities.
e. The Buyer is a "qualified institutional buyer" as
that term is defined in Rule 144A under the 1933 Act and has completed
either of the forms of certification to that effect attached hereto as
Annex 1 or Annex 2. The Buyer is aware that the sale to it is being
made in reliance on Rule 144A. The Buyer is acquiring the Rule 144A
Securities for its own account or the accounts of other qualified
institutional buyers, understands that such Rule 144A Securities may be
resold, pledged or transferred only (i) to a person reasonably believed
to be a qualified institutional buyer that purchases for its own
account or for the account of a qualified institutional buyer to whom
notice is given that the resale, pledge or transfer is being made in
reliance on Rule 144A, or (ii) pursuant to another exemption from
registration under the 1933 Act.
[3. The Buyer
a. is not an employee benefit or other plan subject
to the prohibited transaction provisions of the Employee Retirement
Income Security Act of 1974, as amended ("ERISA"), or Section 4975 of
the Internal Revenue Code of 1986, as amended (the "Code") (a "Plan"),
or any other person (including an investment manager, a named fiduciary
or a trustee of any Plan) acting, directly or indirectly, on behalf of
or purchasing any Certificate with "plan assets" of any Plan; or
b. is an insurance company, the source of funds
to be used by it to purchase the Certificates is an
"insurance company general account" (within the meaning of
L-2
<PAGE>
Department of Labor Prohibited Transaction Class Exemption ("PTCE")
95-60), and the purchase is being made in reliance upon the
availability of the exemptive relief afforded under Section III of PTCE
95-60.]
4. This document may be executed in one or more counterparts
and by the different parties hereto on separate counterparts, each of which,
when so executed, shall be deemed to be an original; such counterparts,
together, shall constitute one and the same document.
IN WITNESS WHEREOF, each of the parties has executed this
document as of the date set forth below.
Print Name of Seller Print Name of Buyer
By: By:
Name: Name:
Title: Title:
Taxpayer Identification: Taxpayer Identification:
No. No.
Date: Date:
L-3
<PAGE>
ANNEX 1 TO EXHIBIT L
QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A
[For Buyers Other Than Registered Investment Companies]
The undersigned hereby certifies as follows in connection with
the Rule 144A Investment Representation to which this Certification is attached:
1. As indicated below, the undersigned is the
President, Chief Financial Officer, Senior Vice President or other executive
officer of the Buyer.
2. In connection with purchases by the Buyer, the Buyer is a
"qualified institutional buyer" as that term is defined in Rule 144A under the
Securities Act of 1933 ("Rule 144A") because (i) the Buyer owned and/or invested
on a discretionary basis $______________________ in securities (except for the
excluded securities referred to below) as of the end of the Buyer's most recent
fiscal year (such amount being calculated in accordance with Rule 144A) and (ii)
the Buyer satisfies the criteria in the category marked below.
___ Corporation, etc. The Buyer is a corporation (other than a
bank, savings and loan association or similar institution),
Massachusetts or similar business trust, partnership, or
charitable organization described in Section 501(c)(3) of the
Internal Revenue Code.
___ Bank. The Buyer (a) is a national bank or banking
----
institution organized under the laws of any State,
territory or the District of Columbia, the business of
which is substantially confined to banking and is
supervised by the State or territorial banking
commission or similar official or is a foreign bank or
equivalent institution, and (b) has an audited net
worth of at least $25,000,000 as demonstrated in its
latest annual financial statements, a copy of which is
------------------
attached hereto.
---------------
L-4
<PAGE>
___ Savings and Loan. The Buyer (a) is a savings and loan
----------------
association, building and loan association, cooperative
bank, homestead association or similar institution,
which is supervised and examined by a State or Federal
authority having supervision over any such institutions
or is a foreign savings and loan association or
equivalent institution and (b) has an audited net worth
of at least $25,000,000 as demonstrated in its latest
annual financial statements.
___ Broker-Dealer. The Buyer is a dealer registered
pursuant to Section 15 of the Securities Exchange Act
of 1934.
___ Insurance Company. The Buyer is an insurance company
-----------------
whose primary and predominant business activity is the
writing of insurance or the reinsuring of risks
underwritten by insurance companies and which is
subject to supervision by the insurance commissioner or
a similar official or agency of a State or territory or
the District of Columbia.
___ State or Local Plan. The Buyer is a plan established
and maintained by a State, its political subdivisions,
or any agency or instrumentality of the State or its
political subdivisions, for the benefit of its
employees.
___ ERISA Plan. The Buyer is an employee benefit plan within the
meaning of Title I of the Employee Retirement Income Security
Act of 1974.
___ Investment Adviser. The Buyer is an investment
adviser registered under the Investment Advisers Act of
1940.
___ SBIC. The Buyer is a Small Business Investment Company
licensed by the U.S. Small Business Administration
under Section 301(c) or (d) of the Small Business
Investment Act of 1958.
___ Business Development Company. The Buyer is a business
development company as defined in Section 202(a)(22) of
the Investment Advisers Act of 1940.
___ Trust Fund. The Buyer is a trust fund whose trustee is
----------
a bank or trust company and whose participants are
exclusively (a) plans established and maintained by a
State, its political subdivisions, or any agency or
instrumentality of the State or its political
subdivisions, for the benefit of its employees, or
(b) employee benefit plans within the meaning of Title
I of the Employee Retirement Income Security Act of
1974, but is not a trust fund that includes as
L-5
<PAGE>
participants individual retirement accounts or H.R. 10
plans.
3. The term "securities" as used herein does not include (i)
securities of issuers that are affiliated with the Buyer, (ii) securities that
are part of an unsold allotment to or subscription by the Buyer, if the Buyer is
a dealer, (iii) bank deposit notes and certificates of deposit, (iv) loan
participations, (v) repurchase agreements, (vi) securities owned but subject to
a repurchase agreement and (vii) currency, interest rate and commodity swaps.
4. For purposes of determining the aggregate amount of
securities owned and/or invested on a discretionary basis by the Buyer, the
Buyer used the cost of such securities to the Buyer and did not include any of
the securities referred to in the preceding paragraph. Further, in determining
such aggregate amount, the Buyer may have included securities owned by
subsidiaries of the Buyer, but only if such subsidiaries are consolidated with
the Buyer in its financial statements prepared in accordance with generally
accepted accounting principles and if the investments of such subsidiaries are
managed under the Buyer's direction. However, such securities were not included
if the Buyer is a majority-owned, consolidated subsidiary of another enterprise
and the Buyer is not itself a reporting company under the Securities Exchange
Act of 1934.
5. The Buyer acknowledges that it is familiar with Rule 144A
and understands that the seller to it and other parties related to the
Certificates are relying and will continue to rely on the statements made herein
because one or more sales to the Buyer may be in reliance on Rule 144A.
___ ___ Will the Buyer be purchasing the Rule 144A
Yes No Securities only for the Buyer's own account?
6. If the answer to the foregoing question is "no", the Buyer
agrees that, in connection with any purchase of securities sold to the Buyer for
the account of a third party (including any separate account) in reliance on
Rule 144A, the Buyer will only purchase for the account of a third party that at
the time is a "qualified institutional buyer" within the meaning of Rule 144A.
In addition, the Buyer agrees that the Buyer will not purchase securities for a
third party unless the Buyer has obtained a current representation letter from
such third party or taken other appropriate steps contemplated by Rule 144A to
conclude that such third party independently meets the definition of "qualified
institutional buyer" set forth in Rule 144A.
7. The Buyer will notify each of the parties to which
this certification is made of any changes in the information and
conclusions herein. Until such notice is given, the Buyer's
L-6
<PAGE>
purchase of Rule 144A Securities will constitute a reaffirmation of this
certification as of the date of such purchase.
Print Name of Buyer
By:
Name:
Title:
Date:
L-7
<PAGE>
ANNEX 2 TO EXHIBIT L
QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A
[For Buyers That Are Registered Investment Companies]
The undersigned hereby certifies as follows in connection with
the Rule 144A Investment Representation to which this Certification is attached:
1. As indicated below, the undersigned is the President,
Chief Financial Officer or Senior Vice President of the Buyer or, if the Buyer
is a "qualified institutional buyer" as that term is defined in Rule 144A under
the Securities Act of 1933 ("Rule 144A") because Buyer is part of a Family of
Investment Companies (as defined below), is such an officer of the Adviser.
2. In connection with purchases by Buyer, the Buyer is a
"qualified institutional buyer" as defined in SEC Rule 144A because (i) the
Buyer is an investment company registered under the Investment Company Act of
1940, and (ii) as marked below, the Buyer alone, or the Buyer's Family of
Investment Companies, owned at least $100,000,000 in securities (other than the
excluded securities referred to below) as of the end of the Buyer's most recent
fiscal year. For purposes of determining the amount of securities owned by the
Buyer or the Buyer's Family of Investment Companies, the cost of such securities
was used.
____ The Buyer owned $___________________ in securities
(other than the excluded securities referred to below)
as of the end of the Buyer's most recent fiscal year
(such amount being calculated in accordance with
Rule 144A).
____ The Buyer is part of a Family of Investment Companies
which owned in the aggregate $______________ in
securities (other than the excluded securities referred
to below) as of the end of the Buyer's most recent
fiscal year (such amount being calculated in accordance
with Rule 144A).
3. The term "Family of Investment Companies" as used herein
means two or more registered investment companies (or series thereof) that have
the same investment adviser or investment advisers that are affiliated (by
virtue of being majority owned subsidiaries of the same parent or because one
investment adviser is a majority owned subsidiary of the other).
4. The term "securities" as used herein does not include (i)
securities of issuers that are affiliated with the Buyer or are part of the
Buyer's Family of Investment Companies, (ii) bank deposit notes and certificates
of deposit, (iii) loan
L-8
<PAGE>
participations, (iv) repurchase agreements, (v) securities owned but subject to
a repurchase agreement and (vi) currency, interest rate and commodity swaps.
5. The Buyer is familiar with Rule 144A and understands that
each of the parties to which this certification is made are relying and will
continue to rely on the statements made herein because one or more sales to the
Buyer will be in reliance on Rule 144A. In addition, the Buyer will only
purchase for the Buyer's own account.
6. The undersigned will notify each of the parties to which
this certification is made of any changes in the information and conclusions
herein. Until such notice, the Buyer's purchase of Rule 144A Securities will
constitute a reaffirmation of this certification by the undersigned as of the
date of such purchase.
Print Name of Buyer
By:
Name:
Title:
IF AN ADVISER:
Print Name of Buyer
Date:
L-9
<PAGE>
EXHIBIT M
[TEXT OF AMENDMENT TO POOLING AND SERVICING
AGREEMENT PURSUANT TO SECTION 11.01(E) FOR A
LIMITED GUARANTY]
ARTICLE XII
Subordinate Certificate Loss Coverage; Limited Guaranty
Section 12.01. Subordinate Certificate Loss Coverage; Limited
Guaranty. (a) Subject to subsection (c) below, prior to the later of the third
Business Day prior to each Distribution Date or the related Determination Date,
the Master Servicer shall determine whether it or any Subservicer will be
entitled to any reimbursement pursuant to Section 4.02(a) on such Distribution
Date for Advances or Subservicer Advances previously made, (which will not be
Advances or Subservicer Advances that were made with respect to delinquencies
which were subsequently determined to be Excess Special Hazard Losses, Excess
Fraud Losses, Excess Bankruptcy Losses or Extraordinary Losses) and, if so, the
Master Servicer shall demand payment from Residential Funding of an amount equal
to the amount of any Advances or Subservicer Advances reimbursed pursuant to
Section 4.02(a), to the extent such Advances or Subservicer Advances have not
been included in the amount of the Realized Loss in the related Mortgage Loan,
and shall distribute the same to the Class B Certificateholders in the same
manner as if such amount were to be distributed pursuant to Section 4.02(a).
(b) Subject to subsection (c) below, prior to the later of the
third Business Day prior to each Distribution Date or the related Determination
Date, the Master Servicer shall determine whether any Realized Losses (other
than Excess Special Hazard Losses, Excess Bankruptcy Losses, Excess Fraud Losses
and Extraordinary Losses) will be allocated to the Class B Certificates on such
Distribution Date pursuant to Section 4.05, and, if so, the Master Servicer
shall demand payment from Residential Funding of the amount of such Realized
Loss and shall distribute the same to the Class B Certificateholders in the same
manner as if such amount were to be distributed pursuant to Section 4.02(a);
provided, however, that the amount of such demand in respect of any Distribution
Date shall in no event be greater than the sum of (i) the additional amount of
Accrued Certificate Interest that would have been paid for the Class B
Certificateholders on such Distribution Date had such Realized Loss or Losses
not occurred plus (ii) the amount of the reduction in the Certificate Principal
Balances of the Class B Certificates on such Distribution Date due to such
Realized Loss or Losses. Notwithstanding such payment, such Realized Losses
shall be deemed to have been borne by the Certificateholders for purposes of
Section 4.05. Excess Special Hazard Losses, Excess Fraud Losses, Excess
Bankruptcy Losses and Extraordinary Losses allocated to the Class B Certificates
will not be covered by the Subordinate Certificate Loss Obligation.
<PAGE>
(c) Demands for payments pursuant to this Section shall be
made prior to the later of the third Business Day prior to each Distribution
Date or the related Determination Date by the Master Servicer with written
notice thereof to the Trustee. The maximum amount that Residential Funding shall
be required to pay pursuant to this Section on any Distribution Date (the
"Amount Available") shall be equal to the lesser of (X)
minus the sum of (i) all previous payments made under subsections (a) and
(b) hereof and (ii) all draws under the Limited Guaranty made in lieu of such
payments as described below in subsection (d) and (Y) the then outstanding
Certificate Principal Balances of the Class B Certificates, or such lower amount
as may be established pursuant to Section 12.02. Residential Funding's
obligations as described in this Section are referred to herein as the
"Subordinate Certificate Loss Obligation."
(d) The Trustee will promptly notify General Motors Acceptance
Corporation of any failure of Residential Funding to make any payments hereunder
and shall demand payment pursuant to the limited guaranty (the "Limited
Guaranty"), executed by General Motors Acceptance Corporation, of Residential
Funding's obligation to make payments pursuant to this Section, in an amount
equal to the lesser of (i) the Amount Available and (ii) such required payments,
by delivering to General Motors Acceptance Corporation a written demand for
payment by wire transfer, not later than the second Business Day prior to the
Distribution Date for such month, with a copy to the Master Servicer.
(e) All payments made by Residential Funding pursuant to this
Section or amounts paid under the Limited Guaranty shall be deposited directly
in the Certificate Account, for distribution on the Distribution Date for such
month to the Class B Certificateholders.
(f) The Company shall have the option, in its sole discretion,
to substitute for either or both of the Limited Guaranty or the Subordinate
Certificate Loss Obligation another instrument in the form of a corporate
guaranty, an irrevocable letter of credit, a surety bond, insurance policy or
similar instrument or a reserve fund; provided that (i) the Company obtains
(subject to the provisions of Section 10.01(f) as if the Company was substituted
for the Master Servicer solely for the purposes of such provision) an Opinion of
Counsel (which need not be an opinion of Independent counsel) to the effect that
obtaining such substitute corporate guaranty, irrevocable letter of credit,
surety bond, insurance policy or similar instrument or reserve fund will not
cause either (a) any federal tax to be imposed on the Trust Fund, including
without limitation, any federal tax imposed on "prohibited transactions" under
Section 860(F)(a)(1) of the Code or on "contributions after the startup date"
under Section 860(G)(d)(1) of the Code or (b) the Trust Fund to fail to qualify
as a REMIC at any time that any Certificate is outstanding, and (ii) no such
substitution shall
M-2
<PAGE>
be made unless (A) the substitute Limited Guaranty or Subordinate Certificate
Loss Obligation is for an initial amount not less than the then current Amount
Available and contains provisions that are in all material respects equivalent
to the original Limited Guaranty or Subordinate Certificate Loss Obligation
(including that no portion of the fees, reimbursements or other obligations
under any such instrument will be borne by the Trust Fund), (B) the long term
debt obligations of any obligor of any substitute Limited Guaranty or
Subordinate Certificate Loss Obligation (if not supported by the Limited
Guaranty) shall be rated at least the lesser of (a) the rating of the long term
debt obligations of General Motors Acceptance Corporation as of the date of
issuance of the Limited Guaranty and (b) the rating of the long term debt
obligations of General Motors Acceptance Corporation at the date of such
substitution and (C) the Company obtains written confirmation from each
nationally recognized credit rating agency that rated the Class B Certificates
at the request of the Company that such substitution shall not lower the rating
on the Class B Certificates below the lesser of (a) the then-current rating
assigned to the Class B Certificates by such rating agency and (b) the original
rating assigned to the Class B Certificates by such rating agency. Any
replacement of the Limited Guaranty or Subordinate Certificate Loss Obligation
pursuant to this Section shall be accompanied by a written Opinion of Counsel to
the substitute guarantor or obligor, addressed to the Master Servicer and the
Trustee, that such substitute instrument constitutes a legal, valid and binding
obligation of the substitute guarantor or obligor, enforceable in accordance
with its terms, and concerning such other matters as the Master Servicer and the
Trustee shall reasonably request. Neither the Company, the Master Servicer nor
the Trustee shall be obligated to substitute for or replace the Limited Guaranty
or Subordinate Certificate Loss Obligation under any circumstance.
Section 12.02. Amendments Relating to the Limited Guaranty.
Notwithstanding Sections 11.01 or 12.01: (i) the provisions of this Article XII
may be amended, superseded or deleted, (ii) the Limited Guaranty or Subordinate
Certificate Loss Obligation may be amended, reduced or canceled, and (iii) any
other provision of this Agreement which is related or incidental to the matters
described in this Article XII may be amended in any manner; in each case by
written instrument executed or consented to by the Company and Residential
Funding but without the consent of any Certificateholder and without the consent
of the Master Servicer or the Trustee being required unless any such amendment
would impose any additional obligation on, or otherwise adversely affect the
interests of, the Master Servicer or the Trustee, as applicable; provided that
the Company shall also obtain a letter from each nationally recognized credit
rating agency that rated the Class B Certificates at the request of the Company
to the effect that such amendment, reduction, deletion or cancellation will not
lower the rating on the Class B Certificates below the lesser of (a) the
then-current rating assigned to the Class B Certificates by such rating agency
and (b) the original rating assigned to the Class B Certificates by
M-3
<PAGE>
such rating agency, unless (A) the Holder of 100% of the Class B Certificates is
Residential Funding or an Affiliate of Residential Funding, or (B) such
amendment, reduction, deletion or cancellation is made in accordance with
Section 11.01(e) and, provided further that the Company obtains (subject to the
provisions of Section 10.01(f) as if the Company was substituted for the Master
Servicer solely for the purposes of such provision), in the case of a material
amendment or supersession (but not a reduction, cancellation or deletion of the
Limited Guaranty or the Subordinate Certificate Loss Obligation), an Opinion of
Counsel (which need not be an opinion of Independent counsel) to the effect that
any such amendment or supersession will not cause either (a) any federal tax to
be imposed on the Trust Fund, including without limitation, any federal tax
imposed on "prohibited transactions" under Section 860F(a)(1) of the Code or on
"contributions after the startup date" under Section 860G(d)(1) of the Code or
(b) the Trust Fund to fail to qualify as a REMIC at any time that any
Certificate is outstanding. A copy of any such instrument shall be provided to
the Trustee and the Master Servicer together with an Opinion of Counsel that
such amendment complies with this Section 12.02.
M-4
<PAGE>
EXHIBIT N
[FORM OF LIMITED GUARANTY]
LIMITED GUARANTY
RESIDENTIAL ACCREDIT LOANS, INC.
Mortgage Asset-Backed Pass-Through Certificates
Series 1997-QS6
, 199__
Bankers Trust Company
3 Park Plaza
Irvine, California 92714
Attention: Residential Funding Corporation Series 1997-QS6
Ladies and Gentlemen:
WHEREAS, Residential Funding Corporation, a Delaware
corporation ("Residential Funding"), an indirect wholly-owned subsidiary of
General Motors Acceptance Corporation, a New York corporation ("GMAC"), plans to
incur certain obligations as described under Section 12.01 of the Pooling and
Servicing Agreement dated as of June 1, 1997 (the "Servicing Agreement"), among
Residential Accredit Loans, Inc. (the "Company"), Residential Funding and
Bankers Trust Company (the "Trustee") as amended by Amendment No. ___ thereto,
dated as of ________, with respect to the Mortgage Asset-Backed Pass-Through
Certificates, Series 1997-QS6 (the "Certificates"); and
WHEREAS, pursuant to Section 12.01 of the Servicing Agreement,
Residential Funding agrees to make payments to the Holders of the Class B
Certificates with respect to certain losses on the Mortgage Loans as described
in the Servicing Agreement; and
WHEREAS, GMAC desires to provide certain assurances with
respect to the ability of Residential Funding to secure sufficient funds and
faithfully to perform its Subordinate Certificate Loss Obligation;
NOW THEREFORE, in consideration of the premises herein
contained and certain other good and valuable consideration, the receipt of
which is hereby acknowledged, GMAC agrees as follows:
1. Provision of Funds. (a) GMAC agrees to contribute and
deposit in the Certificate Account on behalf of Residential Funding (or
otherwise provide to Residential Funding, or to cause to be made available to
Residential Funding), either directly or through a subsidiary, in any case prior
to the related Distribution Date, such moneys as may be required by Residential
Funding to perform its Subordinate Certificate Loss Obligation
<PAGE>
when and as the same arises from time to time upon the demand of the Trustee in
accordance with Section 12.01 of the Servicing Agreement.
(b) The agreement set forth in the preceding clause (a) shall
be absolute, irrevocable and unconditional and shall not be affected by the
transfer by GMAC or any other person of all or any part of its or their interest
in Residential Funding, by any insolvency, bankruptcy, dissolution or other
proceeding affecting Residential Funding or any other person, by any defense or
right of counterclaim, set-off or recoupment that GMAC may have against
Residential Funding or any other person or by any other fact or circumstance.
Notwithstanding the foregoing, GMAC's obligations under clause (a) shall
terminate upon the earlier of (x) substitution for this Limited Guaranty
pursuant to Section 12.01(f) of the Servicing Agreement, or (y) the termination
of the Trust Fund pursuant to the Servicing Agreement.
2. Waiver. GMAC hereby waives any failure or delay on the part
of Residential Funding, the Trustee or any other person in asserting or
enforcing any rights or in making any claims or demands hereunder. Any defective
or partial exercise of any such rights shall not preclude any other or further
exercise of that or any other such right. GMAC further waives demand,
presentment, notice of default, protest, notice of acceptance and any other
notices with respect to this Limited Guaranty, including, without limitation,
those of action or nonaction on the part of Residential Funding or the Trustee.
3. Modification, Amendment and Termination. This
---------------------------------------
Limited Guaranty may be modified, amended or terminated only by
the written agreement of GMAC and the Trustee and only if such
modification, amendment or termination is permitted under Section
12.02 of the Servicing Agreement. The obligations of GMAC under
this Limited Guaranty shall continue and remain in effect so long
as the Servicing Agreement is not modified or amended in any way
that might affect the obligations of GMAC under this Limited
Guaranty without the prior written consent of GMAC.
4. Successor. Except as otherwise expressly provided
herein, the guarantee herein set forth shall be binding upon GMAC
and its respective successors.
5. Governing Law. This Limited Guaranty shall be
governed by the laws of the State of New York.
6. Authorization and Reliance. GMAC understands that
a copy of this Limited Guaranty shall be delivered to the Trustee
in connection with the execution of Amendment No. 1 to the
Servicing Agreement and GMAC hereby authorizes the Company and
the Trustee to rely on the covenants and agreements set forth
herein.
N-2
<PAGE>
7. Definitions. Capitalized terms used but not
otherwise defined herein shall have the meaning given them in the
Servicing Agreement.
8. Counterparts. This Limited Guaranty may be
executed in any number of counterparts, each of which shall be
deemed to be an original and such counterparts shall constitute
but one and the same instrument.
IN WITNESS WHEREOF, GMAC has caused this Limited Guaranty to
be executed and delivered by its respective officers thereunto duly authorized
as of the day and year first above written.
GENERAL MOTORS ACCEPTANCE
CORPORATION
By:
Name:
Title:
Acknowledged by:
BANKERS TRUST COMPANY,
as Trustee
By:
Name:
Title:
RESIDENTIAL ACCREDIT LOANS, INC.
By:
Name:
Title:
N-3
<PAGE>
EXHIBIT O
FORM OF LENDER CERTIFICATION FOR ASSIGNMENT OF MORTGAGE LOAN
__________________, 19____
Residential Accredit Loans, Inc.
8400 Normandale Lake Boulevard
Suite 600
Minneapolis, Minnesota 55437
Bankers Trust Company
3 Park Plaza
Irvine, California 92714
Attention: Residential Funding Corporation Series 1997-QS6
Re: Mortgage Asset-Backed Pass-Through Certificates,
Series 1997-QS6 Assignment of Mortgage Loan
Ladies and Gentlemen:
This letter is delivered to you in connection with the
assignment by _________________ (the "Trustee") to _______________________ (the
"Lender") of _______________ (the "Mortgage Loan") pursuant to Section 3.13(d)
of the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"),
dated as of June 1, 1997 among Residential Accredit Loans, Inc., as seller (the
"Company"), Residential Funding Corporation, as master servicer, and the
Trustee. All terms used herein and not otherwise defined shall have the meanings
set forth in the Pooling and Servicing Agreement. The Lender hereby certifies,
represents and warrants to, and covenants with, the Master Servicer and the
Trustee that:
(i) the Mortgage Loan is secured by Mortgaged Property located in a
jurisdiction in which an assignment in lieu of satisfaction is required to
preserve lien priority, minimize or avoid mortgage recording taxes or otherwise
comply with, or facilitate a refinancing under, the laws of such jurisdiction;
(ii) the substance of the assignment is, and is intended to be, a
refinancing of such Mortgage Loan and the form of the transaction is solely to
comply with, or facilitate the transaction under, such local laws;
(iii) the Mortgage Loan following the proposed assignment will be
modified to have a rate of interest at least 0.25 percent below or above the
rate of interest on such Mortgage Loan prior to such proposed assignment; and
(iv) such assignment is at the request of the borrower
under the related Mortgage Loan.
<PAGE>
Very truly yours,
(Lender)
By:
Name:
Title:
O-2
<PAGE>
EXHIBIT P
SCHEDULE OF DISCOUNT FRACTIONS
P-1
Schedule of Discount Fractions
PRINCIPAL NET MORTGAGE DISCOUNT PO
LOAN # BALANCE RATE FRACTION BALANCE
1555273 73,209.25 6.970 7.0666666667% 5,173.45
1536123 253,361.01 7.045 6.0666666667% 15,370.57
1526828 125,615.43 7.095 5.4000000000% 6,783.23
1569768 56,650.83 7.095 5.4000000000% 3,059.14
1568696 124,932.97 7.170 4.4000000000% 5,497.05
1581032 297,316.85 7.170 4.4000000000% 13,081.94
1524663 97,530.40 7.220 3.7333333333% 3,641.13
1548017 79,270.63 7.220 3.7333333333% 2,959.44
1554506 197,561.13 7.220 3.7333333333% 7,375.62
1563004 47,659.45 7.220 3.7333333333% 1,779.29
1563113 39,630.72 7.220 3.7333333333% 1,479.55
1542211 62,492.03 7.270 3.0666666667% 1,916.42
1546512 347,433.98 7.295 2.7333333333% 9,496.53
1546626 76,821.38 7.295 2.7333333333% 2,099.78
1554192 215,993.79 7.295 2.7333333333% 5,903.83
1563541 262,610.08 7.295 2.7333333333% 7,178.01
1576720 787,898.70 7.295 2.7333333333% 21,535.90
1583804 239,272.12 7.295 2.7333333333% 6,540.10
1539735 98,179.01 7.345 2.0666666667% 2,029.03
1555810 49,549.09 7.345 2.0666666667% 1,024.01
1557957 40,729.34 7.345 2.0666666667% 841.74
1560883 126,544.35 7.345 2.0666666667% 2,615.25
1561534 97,116.19 7.345 2.0666666667% 2,007.07
1535638 82,085.72 7.420 1.0666666667% 875.58
1546358 322,021.72 7.420 1.0666666667% 3,434.90
1546359 358,127.21 7.420 1.0666666667% 3,820.02
1548352 46,987.88 7.420 1.0666666667% 501.20
1561365 172,911.76 7.420 1.0666666667% 1,844.39
1561618 55,835.16 7.420 1.0666666667% 595.58
1563875 292,467.91 7.420 1.0666666667% 3,119.66
1568693 62,642.32 7.420 1.0666666667% 668.18
1568694 638,192.69 7.420 1.0666666667% 6,807.39
1568695 148,691.15 7.420 1.0666666667% 1,586.04
1568698 215,398.65 7.420 1.0666666667% 2,297.59
1568699 280,735.24 7.420 1.0666666667% 2,994.51
1574567 59,822.73 7.420 1.0666666667% 638.11
1576242 78,819.97 7.420 1.0666666667% 840.75
1583222 74,778.41 7.420 1.0666666667% 797.64
1585332 137,592.29 7.420 1.0666666667% 1,467.65
1535227 59,704.65 7.470 0.4000000000% 238.82
1551116 119,681.86 7.470 0.4000000000% 478.73
1551117 107,122.63 7.470 0.4000000000% 428.49
1561419 65,906.77 7.470 0.4000000000% 263.63
1566897 49,703.60 7.470 0.4000000000% 198.81
1568533 26,442.31 7.470 0.4000000000% 105.77
1574242 398,818.23 7.470 0.4000000000% 1,595.27
$7,651,869.59 2.1561631985% $164,986.80
<PAGE>
EXHIBIT Q
FORM OF REQUEST FOR EXCHANGE
[DATE]
Bankers Trust Company
3 Park Plaza
Irvine, California 92714
Re: Residential Accredit Loans, Inc.,
Mortgage Asset-Backed Pass-Through Certificates,
Series 1997-QS6
Residential Funding Corporation, as the Holder of a ___%
Percentage Interest of the Class A-7[-1] Certificates, hereby requests the
Trustee to exchange the above-referenced Certificates for the Subclasses
referred to below:
1. Class A-7-_ Certificates, corresponding to the
following Uncertificated REMIC Regular Interests:
[List numbers corresponding to the related loans
and Pool Strip Rates from the Mortgage Loan
Schedule]. The initial Subclass Notional Amount
and the Initial Pass-Through Rate on the Class A-
7-_ Certificates will be $__________ and ____%,
respectively.
[2. Repeat as appropriate.]
The Subclasses requested above will represent in the aggregate
all of the Uncertificated REMIC Regular Interests represented by the Class
A-7[-1] Certificates surrendered for exchange.
All capitalized terms used but not defined herein shall have
the meanings set forth in the Pooling and Servicing Agreement, dated as of June
1, 1997, among Residential Accredit Loans, Inc., Residential Funding Corporation
and Bankers Trust Company, as trustee.
RESIDENTIAL FUNDING CORPORATION
By:______________________________
Name:
Title:
R-1
<PAGE>
