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) February 1, 1998
RESIDENTIAL ACCREDIT LOANS, INC. (as company under a Pooling and Servicing
Agreement dated as of February 1, 1998 providing for, inter alia, the
issuance of Mortgage Asset-Backed Pass- Through Certificates, Series
1998-QS3)
Residential Accredit Loans, Inc.
(Exact name of registrant as specified in its charter)
DELAWARE 333-33493 51-0368240
(State or other jurisdiction (Commission) (I.R.S. employer
of incorporation) file number) identification no.)
o.)
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
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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 February 1, 1998 4
among Residential Accredit Loans, Inc., as company,
Residential Funding Corporation, as master servicer,
and Bankers Trust Company, as trustee.
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SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.
RESIDENTIAL ACCREDIT LOANS, INC.
By: /s/ Randy Van Zee
Name: Randy Van Zee
Title: Vice President
Dated: February 26, 1998
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SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.
RESIDENTIAL ACCREDIT LOANS, INC.
By:
Name: Randy Van Zee
Title: Vice President
Dated: February 26, 1998
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Exhibit 10.1
Pooling and Servicing Agreement, dated as of February 1, 1998 among
Residential Accredit Loans, Inc., as company, Residential Funding
Corporation, as master servicer, and Bankers Trust Company, as trustee.
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EXECUTION COPY
RESIDENTIAL ACCREDIT LOANS, INC.,
Company,
RESIDENTIAL FUNDING CORPORATION,
Master Servicer,
and
BANKERS TRUST COMPANY,
Trustee
POOLING AND SERVICING AGREEMENT
Dated as of February 1, 1998
Mortgage Asset-Backed Pass-Through Certificates
SERIES 1998-QS3
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This is a Pooling and Servicing Agreement, dated as of February 1, 1998,
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 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-3 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.
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The following table sets forth the designation, type, Pass-Through Rate,
aggregate Initial Certificate Principal Balance, Maturity Date, initial ratings
and certain features for each Class of Certificates comprising the interests in
the Trust Fund created hereunder.
Designation Pass-ThrougAggregate InFeatures Maturity DaStandard & Fitch IBCA
Rate Certificate Poor's
Principal Balance
Class A-1 6.50% $115,517,963.Senior February 25, AAA AAA
2013
Class A-2 6.50% $34,880,737.0Senior February 25, AAA AAA
2013
Class A-3 Variable Rate$0.00 Variable StrFebruary 25, AAAr AAA
2013
Class R 6.50% $100.00 Residual/SenFebruary 25, AAA AAA
2013
Class M-1 6.50% $3,927,000.Mezzanine February 25, N/A AA
2013
Class M-2 6.50% $785,100.00Mezzanine February 25, N/A A
2013
Class M-3 6.50% $707,000.00Mezzanine February 25, N/A BBB
2013
Class B-1 6.50% $471,200.00Subordinate February 25, N/A BB
2013
Class B-2 6.50% $314,000.00Subordinate February 25, N/A B
2013
Class B-3 6.50% $471,435.62Subordinate February 25, N/A N/A
2013
The Mortgage Loans have an aggregate Cut-off Date Principal Balance equal
to $157,074,535.62. 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:
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ARTICLE I
DEFINITIONS
Section 1.01. Definitions.
Whenever used in this Agreement, the following words and phrases, unless
the context otherwise requires, shall have the meanings specified in this
Article.
Accrued Certificate Interest: With respect to each Distribution Date, as
to any Class A Certificate (other than the Class A-3 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-3
Certificates in the aggregate, interest accrued during the related Interest
Accrual Period at the related Pass-Through Rate on the Class A-3 Notional
Amount. With respect to each Distribution Date, as to any Subclass of Class A-3
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 (or the Modified Net Mortgage Rate in the case of a
Modified Mortgage Loan)) 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-3 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
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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 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 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
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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
February 26, 1998, 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 Cutoff Date, an amount equal to the excess, if any, of (A)
$100,000 over (B) the aggregate amount of Bankruptcy Losses allocated solely to
one or more specific Classes of Certificates in accordance with Section 4.05. As
of any date of determination on or after the first anniversary of the Cut-off
Date, an amount equal to the excess, if any, of (1) the lesser of (a) the
Bankruptcy Amount calculated as of the close of business on the Business Day
immediately preceding the most recent anniversary of the Cutoff Date coinciding
with or preceding such date of determination (or, if such date of determination
is an anniversary of the Cut-off Date, the Business Day immediately preceding
such date of determination) (for purposes of this definition, the "Relevant
Anniversary") and (b) the greater of
(A) the greater of (i) 0.0006 times the aggregate principal balance of all
the Mortgage Loans in the Mortgage Pool as of the Relevant Anniversary having a
Loan-to-Value Ratio at origination which exceeds 75% and (ii) $100,000; and (B)
the greater of (i) the product of (x) an amount equal to the largest difference
in the related Monthly Payment for any Non-Primary Residence Loan remaining in
the Mortgage Pool (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
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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 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.
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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.
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 1998-QS3"
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-3 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 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
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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 Princial
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-3 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.
The initial Class A-3 Certificates and any Subclass thereof issued pursuant to
Section 5.01(c) shall be a single Class for the purposes of this Agreement
Class A Certificate: Any one of the Class A-1, Class A-2 or Class A-3
Certificates, executed by the Trustee and authenticated by the Certificate
Registrar substantially in the form annexed hereto as Exhibit A, each such
Certificate (other than the Class A-3 Certificates) evidencing an interest
designated as a "regular interest" in the REMIC for purposes of the REMIC
Provisions. The Class A-3 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-3 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-3
Certificates pursuant to said Section.
Class A-3 Certificates: The Class A Certificates designated as Class A-3
Certificates, including any Subclass thereof.
Class A-3 Notional Amount: As of any Distribution Date, with respect to
the Class A-3 Certificates, the aggregate Stated Principal Balance of the
Mortgage Loans immediately prior to such Distribution Date.
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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) immediately prior to such
Distribution Date.
Class B-1 Prepayment Distribution Trigger: With respect to any
Distribution Date, a test that shall be satisfied if the fraction (expressed as
a percentage) equal to the sum of the Certificate Principal Balances of the
Class B-1 Certificates, Class B-2 Certificates and Class B-3 Certificates
immediately prior to such Distribution Date divided by the aggregate Stated
Principal Balance of all of the Mortgage Loans (or related REO Properties)
immediately prior to such Distribution Date is greater than or equal to 0.80%.
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) 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) 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 0.30%.
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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 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) 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) immediately prior to such
Distribution Date.
Class M-2 Prepayment Distribution Trigger: With respect to any
Distribution Date, a test that shall be satisfied if the fraction (expressed as
a percentage) equal to the sum of the Certificate Principal Balances of the
Class M-2 Certificates, Class M-3 Certificates, Class B-1 Certificates, Class
B-2 Certificates and Class B-3 Certificates immediately prior to such
Distribution Date divided by the aggregate Stated Principal Balance of all of
the Mortgage Loans (or related REO Properties) immediately prior to such
Distribution Date is greater than or equal to 1.75%.
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) 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 1.25%.
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.
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Closing Date: February 26, 1998.
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.
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,
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Attention: Residential Funding Corporation Series 1998-QS3.
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: February 1, 1998.
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.
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,
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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.
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. A
Disqualified Organization also includes any "electing large partnership," as
defined in Section 775(a) of the Code and any other Person so designated by the
Trustee based upon an Opinion of Counsel that the holding of an Ownership
Interest in a Class R Certificate by such Person may cause the Trust Fund or any
Person having an Ownership Interest in any Class of Certificates (other than
such Person) to incur a liability for any federal tax imposed under the Code
that would not otherwise be imposed but for the Transfer of an Ownership
Interest in a Class R Certificate to such Person. The terms "United States",
"State" and "international organization" shall have the meanings set forth in
Section 7701 of the Code or successor provisions.
Distribution Date: The 25th day of any month beginning in the month
immediately following the month of the initial issuance of the Certificates or,
if such 25th day is not a Business Day, the Business Day immediately following
such 25th day.
Due Date: With respect to any Distribution Date, the first day of the month
in which such Distribution Date occurs.
Due Period: With respect to any Distribution Date, the period commencing
on the second day of the month preceding the month of such Distribution Date and
ending on the related Due Date.
Eligible Account: An account that is any of the following: (i) maintained
with a depository institution the debt obligations of which have been rated by
each Rating Agency in its highest rating available, or (ii) an account or
accounts in a depository institution in which such accounts are fully
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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).
Event of Default: As defined in Section 7.01.
Excess Bankruptcy Loss: Any Bankruptcy Loss, or portion thereof, which
exceeds the then applicable Bankruptcy Amount.
Excess Fraud Loss: Any Fraud Loss, or portion thereof, which exceeds the
then applicable Fraud Loss Amount.
Excess Special Hazard Loss: Any Special Hazard Loss, or portion thereof,
that exceeds the then applicable Special Hazard Amount.
Excess Subordinate Principal Amount: With respect to any Distribution Date
on which the Certificate Principal Balance of the most subordinate class or
classes of Certificates (as established in Section 4.05 hereof) then outstanding
is to be reduced to zero and on which Realized Losses are to be allocated to
such class or classes, the excess, if any, of (i) the amount that would
otherwise be distributable in respect of principal on such class or classes of
Certificates on such Distribution Date over (ii) the excess, if any, of the
Certificate Principal Balance of such class or classes of Certificates
immediately prior to such Distribution Date over the aggregate amount of
Realized Losses to be allocated to such classes of Certificates on such
Distribution Date as reduced by any 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
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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 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 9.02.
Fitch IBCA: Fitch IBCA, Inc. or its successor in interest.
FNMA: Federal National Mortgage Association, a federally chartered and
privately owned corporation organized and existing under the Federal
National Mortgage Association Charter Act, or
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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 third anniversary of the Cut-off Date an
amount equal to 1.00% of the aggregate outstanding principal balance of all of
the Mortgage Loans as of the Cut-off Date minus the aggregate amount of Fraud
Losses allocated solely to one or more specific Classes of Certificates in
accordance with Section 4.05 since the Cut-off Date up to such date of
determination and (Y) from the third to the fifth anniversary of the Cut-off
Date, an amount equal to (1) the lesser of (a) the Fraud Loss Amount as of the
most recent anniversary of the Cut-off Date and (b) 0.50% of the aggregate
outstanding principal balance of all of the Mortgage Loans as of the most recent
anniversary of the Cut-off Date minus (2) the aggregate amount of 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.
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Initial Class A-3 Notional Amount: With respect to any Class A-3
Certificate, the Cut-off Date Principal Balance of the Mortgage Loans
corresponding to the Uncertificated REMIC Regular Interests represented by
such Class A-3 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 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-3 Certificates which have no Certificate Principal Balance) representing
a regular interest in the REMIC would be reduced to zero, which is February 25,
2013, 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 February 25,
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2013, which is the Distribution Date immediately following the latest scheduled
maturity date of any Mortgage Loan.
MLCC: Merrill Lynch Credit Corporation, or its successor in interest.
Modified Mortgage Loan: Any Mortgage Loan that has been the subject of
a Servicing Modification.
Modified Net Mortgage Rate: As to any Mortgage Loan that is the subject of
a Servicing Modification, the Net Mortgage Rate minus the rate per annum by
which the Mortgage Rate on such Mortgage Loan was reduced.
Monthly Payment: With respect to any Mortgage Loan (including any REO
Property) and any Due Date, the payment of principal and interest due thereon in
accordance with the amortization schedule at the time applicable thereto (after
adjustment, if any, for Curtailments and for Deficient Valuations occurring
prior to such Due Date but before any adjustment to such amortization schedule
by reason of any bankruptcy, other than a Deficient Valuation, or similar
proceeding or any moratorium or similar waiver or grace period and before any
Servicing Modification that constitutes a reduction of the interest rate on such
Mortgage Loan).
Moody's: Moody's Investors Service, Inc., or its successor in interest.
Mortgage: With respect to each Mortgage Note 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");
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(iv) the Mortgage Rate ("ORIG RATE");
(v) the Subservicer pass-through rate ("CURR NET");
(vi) the Net Mortgage Rate ("NET MTG RT");
(vii) the Pool Strip Rate ("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 other than a Servicing
Modification.
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.
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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-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.
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-3 Certificates), Class M Certificates, Class B
Certificates and Class R Certificates and any Distribution
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Date, the per annum rates set forth in the Preliminary Statement hereto. With
respect to the Class A-3 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-3 Certificates and the initial Distribution Date,
the Pass-Through Rate is equal to 1.2102% per annum. With respect to any
Subclass of Class A-3 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).
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-3
Notional Amount thereof (in the case of any Class A-3 Certificate) divided by
the aggregate Initial Certificate Principal Balance or the aggregate of the
Initial Class A-3 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
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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 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 IBCA
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 IBCA in the case of
Fitch IBCA.
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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.
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)
6.50% 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
March 2003 (unless the Certificate Principal Balances of the
Class A 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
Certificate Principal Balances immediately prior to such date of
(1) the
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Class of Class M Certificates then outstanding with the lowest
numerical designation, or in the event the Class M Certificates
are no longer outstanding, the Class of Class B Certificates
then outstanding with the lowest numerical designation and (2)
all other Classes of Class M Certificates and Class B
Certificates for which the respective Prepayment Distribution
Triggers have been satisfied; and
b. in the case of each other Class of Class M Certificates and
Class B Certificates for which the Prepayment Distribution
Triggers have not been satisfied, 0%; and
(iii)Notwithstanding the foregoing, if the application of the
foregoing percentages on any Distribution Date as provided in
Section 4.02 (determined without regard to the proviso to the
definition of "Subordinate Principal Distribution Amount") would
result in a distribution in respect of principal of any Class or
Classes of Class M Certificates and Class B Certificates in an
amount greater than the remaining Certificate Principal Balance
thereof (any such class, a "Maturing Class"), then: (a) the
Prepayment Distribution Percentage of each Maturing Class shall
be reduced to a level that, when applied as described above,
would exactly reduce the Certificate Principal Balance of such
Class to zero; (b) the Prepayment Distribution Percentage of
each other Class of Class M Certificates and Class B
Certificates (any such Class, a "Non-Maturing Class") shall be
recalculated in accordance with the provisions in paragraph (ii)
above, as if the Certificate Principal Balance of each Maturing
Class had been reduced to zero (such percentage as recalculated,
the "Recalculated Percentage"); (c) the total amount of the
reductions in the Prepayment Distribution Percentages of the
Maturing Class or Classes pursuant to clause (a) of this
sentence, expressed as an aggregate percentage, shall be
allocated among the Non-Maturing Classes in proportion to their
respective Recalculated Percentages (the portion of such
aggregate reduction so allocated to any Non-Maturing Class, the
"Adjustment Percentage"); and (d) for purposes of such
Distribution Date, the Prepayment Distribution Percentage of
each Non-Maturing Class shall be equal to the sum of (1) the
Prepayment Distribution Percentage thereof, calculated in
accordance with the provisions in paragraph (ii) above as if the
Certificate Principal Balance of each Maturing Class had not
been reduced to zero, plus (2) the related Adjustment
Percentage.
Prepayment Distribution Trigger: The Class M-2 Prepayment Distribution
Trigger, Class M-3 Prepayment Distribution Trigger, Class B-1 Prepayment
Distribution Trigger, Class B-2 Prepayment Distribution Trigger or Class
B-3 Prepayment Distribution Trigger.
Prepayment Interest Shortfall: As to any Distribution Date and any
Mortgage Loan (other than a Mortgage Loan relating to an REO Property) that was
the subject of (a) a Principal Prepayment in Full during the related Prepayment
Period, an amount equal to the excess of one month's interest at the
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Net Mortgage Rate (or Modified Net Mortgage Rate in the case of a Modified
Mortgage Loan) on the Stated Principal Balance of such Mortgage Loan over the
amount of interest (adjusted to the Net Mortgage Rate (or Modified Net Mortgage
Rate in the case of a Modified Mortgage Loan)) paid by the Mortgagor for such
Prepayment Period to the date of such Principal Prepayment in Full or (b) a
Curtailment during the prior calendar month, an amount equal to one month's
interest at the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of
a Modified Mortgage Loan) on the amount of such Curtailment.
Prepayment Period: As to any Distribution Date, the calendar month
preceding the month of distribution.
Primary Insurance Policy: Each primary policy of mortgage guaranty
insurance or any replacement policy therefor referred to in Section
2.03(b)(iv) and (v).
Principal Prepayment: Any payment of principal or other recovery on a
Mortgage Loan, including a recovery that takes the form of Liquidation Proceeds
or Insurance Proceeds, which is received in advance of its scheduled Due Date
and is not accompanied by an amount as to interest representing scheduled
interest on such payment due on any date or dates in any month or months
subsequent to the month of prepayment.
Principal Prepayment in Full: Any Principal Prepayment made by a
Mortgagor of the entire principal balance of a Mortgage Loan.
Program Guide: Collectively, the Seller Guide and the Servicer Guide
for Residential Funding's Expanded Criteria Mortgage Program.
Purchase Price: With respect to any Mortgage Loan (or REO Property)
required to be or otherwise purchased on any date pursuant to Section 2.02,
2.03, 2.04 or 4.07, an amount equal to the sum of (i) 100% of the Stated
Principal Balance thereof plus the principal portion of any related unreimbursed
Advances and (ii) unpaid accrued interest at the Adjusted Mortgage Rate (or
Modified Net Mortgage Rate plus the rate per annum at which the Servicing Fee is
calculated in the case of a Modified Mortgage Loan) (or at the Net Mortgage Rate
(or Modified Net Mortgage Rate in the case of a Modified Mortgage Loan) in the
case of a purchase made by the Master Servicer) on the Stated Principal Balance
thereof to the first day of the month following the month of purchase from the
Due Date to which interest was last paid by the Mortgagor.
Qualified Substitute Mortgage Loan: A Mortgage Loan substituted by
Residential Funding or the Company for a Deleted Mortgage Loan which must, on
the date of such substitution, as confirmed in an Officers' Certificate
delivered to the Trustee, (i) have an outstanding principal balance, after
deduction of the principal portion of the monthly payment due in the month of
substitution (or in the case of a substitution of more than one Mortgage Loan
for a Deleted Mortgage Loan, an aggregate outstanding principal balance, after
such deduction), not in excess of the Stated Principal Balance of the Deleted
Mortgage Loan (the amount of any shortfall to be deposited by 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,
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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,
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-3 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.
Rating Agency: Fitch IBCA and Standard & Poor's with respect to the Class
A Certificates and Class R Certificates and Fitch IBCA 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 is the subject
of a Servicing Modification, (a) the amount by which the interest portion of a
Monthly Payment or the principal balance of such Mortgage Loan was reduced, and
(b) any such amount with respect to a Monthly Payment that was or would have
been due in the month immediately following the month in which a Principal
Prepayment or the Purchase Price of such Mortgage Loan is received or is deemed
to have been received. 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 Reuction, 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
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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 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, or an electronic request in a form acceptable to
the Custodian.
Required Insurance Policy: With respect to any Mortgage Loan, any
insurance policy which is required to be maintained from time to time under this
Agreement, the Program Guide or the related Subservicing Agreement in respect of
such Mortgage Loan.
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.
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.
Seller's Agreement: An agreement for the origination and sale of Mortgage
Loans generally in the form of the Seller Contract referred to or contained in
the Program Guide, or in such other form as has been approved by the Master
Servicer and the Company, each containing representations and warranties in
respect of one or more Mortgage Loans consistent in all material respects with
those set forth in the Program Guide.
Senior Accelerated Distribution Percentage: With respect to any
Distribution Date, the percentage indicated below:
Distribution Date Senior Accelerated
Distribution Percentage
March 1998 through 100%
February 2003.........
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March 2003 through Senior Percentage, plus 70%
February 2004......... of the Subordinate
Percentage
March 2004 through Senior Percentage, plus 60%
February 2005......... of the Subordinate
Percentage
March 2005 through Senior Percentage, plus 40%
February 2006 of the Subordinate
Percentage
March 2006 through Senior Percentage, plus 20%
February 2007......... of the Subordinate
Percentage
March 2007 and thereafteSenior 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) and
Class R Certificates, to zero, the Senior Accelerated Distribution Percentage
shall thereafter be 0%.
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 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) 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 (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
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Section 4.02(a)(ii), (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 SERV FEE" for such Mortgage Loan, as may be adjusted with
respect to successor Master Servicers as provided in Section 7.02.
Servicing Modification: Any reduction of the interest rate on or the
outstanding principal balance of a Mortgage Loan that is in default, or for
which, in the judgment of the Master Servicer, default is reasonably
foreseeable, pursuant to a modification of such Mortgage Loan in accordance with
Section 3.07(a).
Servicing Officer: Any officer of the Master Servicer involved in, or
responsible for, the administration and servicing of the Mortgage Loans whose
name and specimen signature appear on a list of servicing officers furnished to
the Trustee by the Master Servicer, as such list may from time to time be
amended.
Special Hazard Amount: As of any Distribution Date, an amount equal to
$1,570,745 minus the sum of (i) the aggregate amount of Special Hazard Losses
allocated solely to one or more specific Classes of Certificates in accordance
with Section 4.05 and (ii) the Adjustment Amount (as defined below) as most
recently calculated. For each anniversary of the Cut-off Date, the Adjustment
Amount shall be equal to the amount, if any, by which the amount calculated in
accordance with the preceding sentence (without giving effect to the deduction
of the Adjustment Amount for such anniversary) exceeds the greater of (A) the
greatest of (i) twice the outstanding principal balance of the Mortgage Loan in
the Trust Fund which has the largest outstanding principal balance on the
Distribution Date immediately preceding such anniversary, (ii) the product of
1.00% multiplied by the outstanding principal balance of all Mortgage Loans on
the Distribution Date immediately preceding such anniversary and (iii) the
aggregate outstanding principal balance (as of the immediately preceding
Distribution Date) of the Mortgage Loans in any single five-digit California zip
code area with the largest amount of Mortgage Loans by aggregate principal
balance as of such anniversary and (B) the greater of (i) the product of 0.50%
multiplied by the outstanding principal balance of all Mortgage Loans on the
Distribution Date immediately preceding such anniversary multiplied by a
fraction, the
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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 16.2% (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 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.
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-3 Certificates, any Subclass thereof
issued pursuant to Section 5.01(c). Any such Subclass will represent the
Uncertificated REMIC Regular Interest or Interests specified by the initial
Holder of the Class A-3 Certificates pursuant to Section 5.01(c).
Subclass Notional Amount: As of any Distribution Date, with respect to
any Subclass of Class A-3 Certificates issued pursuant to Section 5.01(c),
the aggregate Stated Principal Balance of the
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Mortgage Loans corresponding to the Uncertificated REMIC Regular Interests
represented by such Subclass immediately prior to such date.
Sub-Group: Either of Sub-Group A or Sub-Group B.
Sub-Group A: The Mortgage Loans relating to the Class A-1 Certificates
with original principal balances equal to or less than $227,150.
Sub-Group B: The Mortgage Loans relating to the Class A-2 Certificates
with original principal balances greater than $227,150.
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)(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)(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 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 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
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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 Assurance Corporation, or its successors in interest.
Surety Bond: The Limited Purpose Surety Bond (Policy No. AB0039BE), dated
February 28, 1996, issued by Ambac Assurance Corporation (formerly known as
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.
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
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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 1,579 uncertificated partial
undivided beneficial ownership interests in the Trust Fund, numbered
sequentially from 1 to 1,579, 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.
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 (treated as a corporation or
partnership for United States income tax purposes) created or organized in, or
under the laws of, the United States, any state thereof, or the District of
Columbia (except in the case of a partnership, to the extent provided in
Treasury regulations) 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-3
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-3 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 by
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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
(x) An executed UCC-1 financing statement showing the Master Servicer
as
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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.
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
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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.
(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
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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 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 $31,988 (the "Initial Monthly Payment Fund"), representing
scheduled principal amortization and interest at the Net Mortgage Rate for the
Due Date in March 1998, 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 March 1998. 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
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REMIC, (2) it shall be owned by the Seller and (3) amounts transferred by the
REMIC to the Initial Monthly Payment Fund shall be treated as transferred to the
Seller or any successor, all within the meaning of Section 1.860G-2(h) of the
Treasury Regulations.
Section 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 equired to be delivered pursuant to such Section have been
received, and that such documents relate to the Mortgage Loans identified on the
Mortgage Loan Schedule, as supplemented, that have been conveyed to it.
If the Custodian, as the Trustee's agent, finds any document or documents
constituting a part of a Mortgage File to be missing or defective in any
material respect, the Trustee shall promptly so notify the Master Servicer and
the Company. Pursuant to Section 2.3 of the Custodial Agreement, the Custodian
will notify the Master Servicer, the Company and the Trustee of any such
omission or defect found by it in respect of any Mortgage File held by it. The
Master Servicer shall promptly notify the related Subservicer or Seller of such
omission or defect and request that such Subservicer or Seller correct or cure
such omission or defect within 60 days from the date the Master Servicer was
notified of such omission or defect and, if such Subservicer or Seller does not
correct or cure such omission or defect within such period, that such
Subservicer or Seller purchase such Mortgage Loan from the Trust Fund at its
Purchase Price, in either case within 90 days from the date the Master Servicer
was notified of such omission or defect; provided that if the omission or defect
would cause the Mortgage Loan to be other than a "qualified mortgage" as defined
in Section 860G(a)(3) of the Code, any such cure or repurchase must occur within
90 days from the date such breach was discovered. The Purchase Price for any
such Mortgage Loan, whether purchased by the Seller or the Subservicer, shall be
deposited or caused to be deposited by the Master Servicer in the Custodial
Account maintained by it pursuant
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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;
(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
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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.
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):
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(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
eight Mortgage Loans representing approximately 0.9% 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 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 0.4% 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 0.5% 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;
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(ix) Approximately 29.5% of the Mortgage Loans by aggregate Stated
Principal Balance as of the Cut-off Date were underwritten under
a reduced loan documentation program, approximately 29.2% of the
Mortgage Loans by aggregate Stated Principal Balance as of the
Cut-off Date were underwritten under a no-stated income program
and approximately 1.3% of the Mortgage Loans by aggregate Stated
Principal Balance as of the Cut-off Date were underwritten under
a no income/no asset program;
(x) Except with respect to approximately 24.1% of the Mortgage Loans
by aggregate Stated Principal Balance as of the Cut-off Date,
the Mortgagor represented in its loan application with respect
to the related Mortgage Loan that the Mortgaged Property would
be owner-occupied;
(xi) None of the Mortgage Loans will be Buy-Down Loans;
(xii)Each Mortgage Loan constitutes a qualified mortgage under
Section 860G(a)(3)(A) of the Code and Treasury Regulations
Section 1.860G- 2(a)(1);
(xiii) A policy of title insurance was effective as of the closing of
each Mortgage Loan and is valid and binding and remains in full
force and effect;
(xiv)With respect to 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)None of the Mortgage Loans contain in the related Mortgage File
a Destroyed Mortgage Note;
(xvii) Not more than 2.6% 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;
(xviii) No Mortgage Loan provides for payments that are subject to
reduction by withholding taxes levied by any foreign (non-United
States) sovereign government; and
(xix)None of the Mortgage Loans by aggregate Stated Principal
Balance as of the Cut-off Date are Additional Collateral Loans.
It is understood and agreed that the representations and
warranties set forth in this Section 2.03(b) shall
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survive delivery of the respective Mortgage Files to the Trustee or any
Custodian.
Upon discovery by any of the Company, the Master Servicer, the Trustee or
any Custodian of a breach of any of the representations and warranties set forth
in this Section 2.03(b) which materially and adversely affects the interests of
the Certificateholders in any Mortgage Loan, the party discovering such breach
shall give prompt written notice to the other parties (any Custodian being so
obligated under a Custodial Agreement); provided, however, that in the event of
a breach of the representation and warranty set forth in Section 2.03(b)(xii),
the party discovering such breach shall give such notice within five days of
discovery. Within 90 days of its discovery or its receipt of notice of breach,
the Company shall either (i) cure such breach in all material respects or (ii)
purchase such Mortgage Loan from the Trust Fund at the Purchase Price and in the
manner set forth in Section 2.02; provided that the Company shall have the
option to substitute a Qualified Substitute Mortgage Loan or Loans for such
Mortgage Loan if such substitution occurs within two years following the Closing
Date; provided that if the omission or defect would cause the Mortgage Loan to
be other than a "qualified mortgage" as defined in Section 860G(a)(3) of the
Code, any such cure or repurchase must occur within 90 days from the date such
breach was discovered. Any such substitution shall be effected by the Company
under the same terms and conditions as provided in Section 2.04 for
substitutions by Residential Funding. It is understood and agreed that the
obligation 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 Certificateholders. 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
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the Assignment Agreement Residential Funding shall have the option to substitute
a Qualified Substitute Mortgage Loan or Loans for such Mortgage Loan if such
substitution occurs within two years following the Closing Date; provided that
if the breach would cause the Mortgage Loan to be other than a "qualified
mortgage" as defined in Section 860G(a)(3) of the Code, any such cure or
substitution must occur within 90 days from the date the breach was discovered.
In the event that Residential Funding elects to substitute a Qualified
Substitute Mortgage Loan or Loans for a Deleted Mortgage Loan pursuant to this
Section 2.04, Residential Funding shall deliver to the Trustee for the benefit
of the Certificateholders with respect to such Qualified Substitute Mortgage
Loan or Loans, the original Mortgage Note, the Mortgage, an Assignment of the
Mortgage in recordable form, and such other documents and agreements as are
required by Section 2.01, with the Mortgage Note endorsed as required by Section
2.01. No substitution will be made in any calendar month after the Determination
Date for such month. Monthly Payments due with respect to Qualified Substitute
Mortgage Loans in the month of substitution shall not be part of the Trust Fund
and will be retained by the Master Servicer and remitted by the Master Servicer
to Residential Funding on the next succeeding Distribution Date. For the month
of substitution, distributions to the Certificateholders will include the
Monthly 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, 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, to the Trustee. Upon such
substitution, the Qualified Substitute Mortgage Loan or Loans shall be subject
to the terms of this Agreement and the related Subservicing Agreement in all
respects, the related Seller shall be deemed to have made the representations
and warranties with respect to the Qualified Substitute Mortgage Loan contained
in the related Seller's Agreement as of the date of substitution, and the
Company and the Master Servicer shall be deemed to have made with respect to any
Qualified Substitute Mortgage Loan or Loans, as of the date of substitution, the
covenants, representations and warranties set forth in this Section 2.04, in
Section 2.03 hereof and in Section 4 of the Assignment Agreement, and the Master
Servicer shall be obligated to repurchase or substitute for any Qualified
Substitute Mortgage Loan as to which a Repurchase Event (as defined in the
Assignment Agreement) has occurred pursuant to Section 4 of the Assignment
Agreement.
In connection with the substitution of one or more Qualified Substitute
Mortgage Loans for one or more Deleted Mortgage Loans, the Master Servicer will
determine the amount (if any) by which the aggregate principal balance of all
such Qualified Substitute Mortgage Loans as of the date of substitution is less
than the aggregate Stated Principal Balance of all such Deleted Mortgage Loans
(in each case after application of the principal portion of the Monthly Payments
due in the month of substitution that are to be distributed to the
Certificateholders in the month of substitution). Residential Funding shall
deposit the amount of such shortfall into the Custodial Account on the day of
substitution, without any reimbursement therefor. Residential Funding shall give
notice in writing to the Trustee of such event, which notice shall be
accompanied by an Officers' Certificate as to the calculation of such shortfall
and (subject to Section 10.01(f)) by an Opinion of Counsel to the effect that
such substitution will not cause (a) any federal tax to be imposed on the Trust
Fund, including without limitation, any federal tax imposed on "prohibited
transactions" under Section 860F(a)(1) of the Code or on "contributions after
the startup date" under Section 860G(d)(1) of the Code or (b) any
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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 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.
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(b) All costs incurred by the Master Servicer or by Subservicers in
effecting the timely payment of taxes and assessments on the properties subject
to the Mortgage Loans shall not, for the purpose of calculating monthly
distributions to the Certificateholders, be added to the amount owing under the
related Mortgage Loans, notwithstanding that the terms of such Mortgage Loan so
permit, and such costs shall be recoverable to the extent permitted by Section
3.10(a)(ii).
(c) The Master Servicer may enter into one or more agreements in connection
with the offering of pass-through certificates evidencing interests in one or
more of the Certificates providing for the payment by the Master Servicer of
amounts received by the Master Servicer as servicing compensation hereunder and
required to cover certain Prepayment Interest Shortfalls on the Mortgage Loans,
which payment obligation will thereafter be an obligation of the Master Servicer
hereunder.
Section 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 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
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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
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.
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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.
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
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accordance with the amortization schedule of such Mortgage Loan without
modification thereof by reason of such arrangements unless otherwise agreed to
by the Holders of the Classes of Certificates affected thereby; provided,
however, that no such extension shall be made if any advance would be a
Nonrecoverable Advance. Consistent with the terms of this Agreement, the Master
Servicer may also waive, modify or vary any term of any Mortgage Loan or consent
to the postponement of strict compliance with any such term or in any manner
grant indulgence to any Mortgagor if in the Master Servicer's determination such
waiver, modification, postponement or indulgence is not materially adverse to
the interests of the Certificateholders (taking into account any estimated
Realized Loss that might result absent such action); provided, however, that the
Master Servicer may not modify materially or permit any Subservicer to modify
any Mortgage Loan, including without limitation any modification that would
change the Mortgage Rate, forgive the payment of any principal or interest
(unless in connection with the liquidation of the related Mortgage Loan or
except in connection with prepayments to the extent that such reamortization is
not inconsistent with the terms of the Mortgage Loan), or extend the final
maturity date of such Mortgage Loan, unless such Mortgage Loan is in default or,
in the judgment of the Master Servicer, such default is reasonably foreseeable;
and provided, further, that no such modification shall reduce the interest rate
on a Mortgage Loan below the sum of the Pool Strip Rate and the sum of the rates
at which the Servicing Fee and the Subservicing Fee with respect to such
Mortgage Loan accrues. In connection with any Curtailment of a Mortgage Loan,
the Master Servicer, to the extent not inconsistent with the terms of the
Mortgage Note and local law and practice, may permit the Mortgage Loan to be
reamortized such that the Monthly Payment is recalculated as an amount that will
fully amortize the remaining Stated Principal Balance thereof by the original
Maturity Date based on the original Mortgage Rate; provided, that such
re-amortization shall not be permitted if it would constitute a reissuance of
the Mortgage Loan for federal income tax purposes.
(b) The Master Servicer shall establish and maintain a Custodial Account in
which the Master Servicer shall deposit or cause to be deposited on a daily
basis, except as otherwise specifically provided herein, the following payments
and collections remitted by Subservicers or received by it in respect of the
Mortgage Loans subsequent to the Cut-off Date (other than in respect of
principal and interest on the Mortgage Loans due on or before the Cut-off Date):
(i) All payments on account of principal, including Principal
Prepayments made by Mortgagors on the Mortgage Loans and the
principal component of any Subservicer Advance or of any REO
Proceeds received in connection with an REO Property for which
an REO Disposition has occurred;
(ii) All payments on account of interest at the Adjusted Mortgage
Rate on the Mortgage Loans, including Buydown Funds, if any, and
the interest component of any 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 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
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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 acquied by the Trust Fund by deed in lieu of
foreclosure or otherwise. All such advances received by the Master Servicer
shall be deposited promptly by it in the Custodial Account.
(b) The Subservicer may also be required, pursuant to the Subservicing
Agreement, to remit to the Master Servicer for deposit in the Custodial Account
interest at the Adjusted Mortgage Rate (or Modified Net Mortgage Rate plus the
rate per annum at which the Servicing Fee accrues in the case of a Modified
Mortgage Loan) on any Curtailment received by such Subservicer in respect of a
Mortgage Loan from the related Mortgagor during any month that is to be applied
by the 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
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shall for any Nonsubserviced Mortgage Loan, and shall cause the Subservicers for
Subserviced Mortgage Loans to, establish and maintain one or more Servicing
Accounts and deposit and retain therein all collections from the Mortgagors (or
advances from Subservicers) for the payment of taxes, assessments, hazard
insurance premiums, Primary Insurance Policy premiums, if applicable, or
comparable items for the account of the Mortgagors. Each Servicing Account shall
satisfy the requirements for a Subservicing Account and, to the extent permitted
by the Program Guide or as is otherwise acceptable to the Master Servicer, may
also function as a Subservicing Account. Withdrawals of amounts related to the
Mortgage Loans from the Servicing Accounts may be made only to effect timely
payment of taxes, assessments, hazard insurance premiums, Primary Insurance
Policy premiums, if applicable, or comparable items, to reimburse the Master
Servicer or Subservicer out of related collections for any payments made
pursuant to Sections 3.11 (with respect to the Primary Insurance Policy) and
3.12(a) (with respect to hazard insurance), to refund to any Mortgagors any sums
as may be determined to be overages, to pay interest, if required, to Mortgagors
on balances in the Servicing Account or to clear and terminate the Servicing
Account at the termination of this Agreement in accordance with Section 9.01 or
in accordance with the Program Guide. As part of its servicing duties, the
Master Servicer shall, and the Subservicers will, pursuant to the Subservicing
Agreements, be required to pay to the Mortgagors interest on funds in this
account to the extent required by law.
(d) The Master Servicer shall advance the payments referred to in the
preceding subsection that are not timely paid by the Mortgagors or advanced by
the Subservicers on the date when the tax, premium or other cost for which such
payment is intended is due, but the Master Servicer shall be required so to
advance only to the extent that such advances, in the good faith judgment of the
Master Servicer, will be recoverable by the Master Servicer out of Insurance
Proceeds, Liquidation Proceeds or otherwise.
Section 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:
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(i) to make deposits into the Certificate Account in the amounts and
in the manner provided for in Section 4.01;
(ii) to reimburse itself or the related Subservicer for previously
unreimbursed advances or expenses made pursuant to Sections
3.01, 3.07(a), 3.08, 3.11, 3.12(a), 3.14 and 4.04 or otherwise
reimbursable pursuant to the terms of this Agreement, such
withdrawal right being limited to amounts received on particular
Mortgage Loans (including, for this purpose, REO Proceeds,
Insurance Proceeds, Liquidation Proceeds and proceeds from the
purchase of a Mortgage Loan pursuant to Section 2.02, 2.03, 2.04
or 4.07) which represent (A) Late Collections of Monthly
Payments for which any such advance was made in the case of
Subservicer Advances or Advances pursuant to Section 4.04 and
(B) recoveries of amounts in respect of which such advances were
made in the case of Servicing Advances;
(iii)to pay to itself or the related Subservicer (if not previously
retained by such Subservicer) out of each payment received by
the Master Servicer on account of interest on a Mortgage Loan as
contemplated by Sections 3.14 and 3.16, an amount equal to that
remaining portion of any such payment as to interest (but not in
excess of the Servicing Fee and the Subservicing Fee, if not
previously retained) which, when deducted, will result in the
remaining amount of such interest being interest at the Net
Mortgage Rate (or Modified Net Mortgage Rate in the case of a
Modified Mortgage Loan) on the amount specified in the
amortization schedule of the related Mortgage Loan as the
principal balance thereof at the beginning of the period
respecting which such interest was paid after giving effect to
any previous Curtailments;
(iv) to pay to itself as additional servicing compensation any
interest or investment income earned on funds deposited in the
Custodial Account that it is entitled to withdraw pursuant to
Section 3.07(c);
(v) to pay to itself as additional servicing compensation any
Foreclosure Profits, and any amounts remitted by Subservicers as
interest in respect of Curtailments pursuant to Section 3.08(b);
(vi) to pay to itself, a Subservicer, a Seller, Residential Funding,
the Company or any other appropriate Person, as the case may be,
with respect to each Mortgage Loan or 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
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(c) below, any Advance made in connection with a modification of
a Mortgage Loan that is in default or, in the judgment of the
Master Servicer, default is reasonably foreseeable pursuant to
Section 3.07(a), to the extent the amount of the Advance has
been added to the outstanding principal balance of the Mortgage
Loan, or any Advance reimbursable to the Master Servicer
pursuant to Section 4.02(a)(iii);
(viii) to reimburse itself or the Company for expenses incurred by
and reimbursable to it or the Company pursuant to Sections 3.13,
3.14(c), 6.03, 10.01 or otherwise, or in connection with
enforcing any repurchase, substitution or indemnification
obligation of any Seller (other than an Affiliate of the
Company) pursuant to the related Seller's Agreement;
(ix) to reimburse itself for amounts expended by it (a) pursuant to
Section 3.14 in good faith in connection with the restoration of
property damaged by an Uninsured Cause, and (b) in connection
with the liquidation of a Mortgage Loan or disposition of an REO
Property to the extent not otherwise reimbursed pursuant to
clause (ii) or (viii) above; and
(x) to withdraw any amount deposited in the Custodial Account that
was not required to be deposited therein pursuant to Section
3.07.
(b) Since, in connection with withdrawals pursuant to clauses (ii), (iii),
(v) and (vi), the Master Servicer's entitlement thereto is limited to
collections or other recoveries on the related Mortgage Loan, the Master
Servicer shall keep and maintain separate accounting, on a Mortgage Loan by
Mortgage Loan basis, for the purpose of justifying any withdrawal from the
Custodial Account pursuant to such clauses.
(c) The Master Servicer shall be entitled to reimburse itself or the
related Subservicer for any advance made in respect of a Mortgage Loan that the
Master Servicer determines to be a Nonrecoverable Advance by withdrawal from the
Custodial Account of amounts on deposit therein attributable to the Mortgage
Loans on any Certificate Account Deposit Date succeeding the date of such
determination. Such right of reimbursement in respect of a Nonrecoverable
Advance on any such Certificate Account Deposit Date shall be limited to an
amount not exceeding the portion of such advance previously paid to
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
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secured by a Mortgaged Property is reduced to 80% or less of the Appraised Value
in the case of such a Mortgage Loan having a Loan-to-Value Ratio at origination
in excess of 80%, provided that such Primary Insurance Policy was in place as of
the Cut-off Date and the Company had knowledge of such Primary Insurance Policy.
The Master Servicer shall be entitled to cancel or permit the discontinuation of
any Primary Insurance Policy as to any Mortgage Loan, if the Stated Principal
Balance of the Mortgage Loan is reduced below an amount equal to 80% of the
appraised value of the related Mortgaged Property as determined in any appraisal
thereof after the Closing Date, or if the Loan-to-Value Ratio is reduced below
80% as a result of principal payments on the Mortgage Loan after the Closing
Date. In the event that the Company gains knowledge that as of the Closing Date,
a Mortgage Loan had a Loan-to-Value Ratio at origination in excess of 80% and is
not the subject of a Primary Insurance Policy (and was not included in any
exception to the representation in Section 2.03(b)(iv)) and that such Mortgage
Loan has a current Loan-to-Value Ratio in excess of 80% then the Master Servicer
shall use its reasonable efforts to obtain and maintain a Primary Insurance
Policy to the extent that such a policy is obtainable at a reasonable price. The
Master Servicer shall not cancel or refuse to renew any such Primary Insurance
Policy applicable to a Nonsubserviced Mortgage Loan, or consent to any
Subservicer canceling or refusing to renew any such Primary Insurance Policy
applicable to a Mortgage Loan subserviced by it, that is in effect at the date
of the initial issuance of the Certificates and is required to be kept in force
hereunder unless the replacement Primary Insurance Policy for such canceled or
non-renewed policy is maintained with an insurer whose claims-paying ability is
acceptable to each Rating Agency for mortgage pass-through certificates having a
rating equal to or better than the lower of the then-current rating or the
rating assigned to the Certificates as of the Closing Date by such Rating
Agency.
(b) In connection with its activities as administrator and servicer of the
Mortgage Loans, the Master Servicer agrees to present or to cause the related
Subservicer to present, on behalf of the Master Servicer, the Subservicer, if
any, the Trustee and 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
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with extended coverage in an amount which is at least equal to the amount
necessary to avoid the application of any co-insurance clause contained in the
related hazard insurance policy. Pursuant to Section 3.07, any amounts collected
by the Master Servicer under any such policies (other than amounts to be applied
to the restoration or repair of the related Mortgaged Property or property thus
acquired or amounts released to the Mortgagor in accordance with the Master
Servicer's normal servicing procedures) shall be deposited in the Custodial
Account, subject to withdrawal pursuant to Section 3.10. Any cost incurred by
the Master Servicer in maintaining any such insurance shall not, for the purpose
of calculating monthly distributions to the Certificateholders, be added to the
amount owing under the Mortgage Loan, notwithstanding that the terms of the
Mortgage Loan so permit. Such costs shall be recoverable by the Master Servicer
out of related late payments by the Mortgagor or out of Insurance Proceeds and
Liquidation Proceeds to the extent permitted by Section 3.10. It is understood
and agreed that no earthquake or other additional insurance is to be required of
any Mortgagor or maintained on property acquired in respect of a Mortgage Loan
other than pursuant to such applicable laws and regulations as shall at any time
be in force and as shall require such additional insurance. Whenever the
improvements securing a Mortgage Loan (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 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
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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 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
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Insurance Policies have been obtained and (iii) subsequent to the closing of the
transaction involving the assumption or transfer (A) the Mortgage Loan will
continue to be secured by a first mortgage lien pursuant to the terms of the
Mortgage, (B) such transaction will not adversely affect the coverage under any
Required Insurance Policies, (C) the Mortgage Loan will fully amortize over the
remaining term thereof, (D) no material term of the Mortgage Loan (including the
interest rate on the Mortgage Loan) will be altered nor will the term of the
Mortgage Loan be changed and (E) if the seller/transferor of the Mortgaged
Property is to be released from liability on the Mortgage Loan, such release
will not (based on the Master Servicer's or Subservicer's good faith
determination) adversely affect the collectability of the Mortgage Loan. Upon
receipt of appropriate instructions from the Master Servicer in accordance with
the foregoing, the Trustee shall execute any necessary instruments for such
assumption or substitution of liability as directed in writing by the Master
Servicer. Upon the closing of the transactions contemplated by such documents,
the Master Servicer shall cause the originals or true and correct copies of the
assumption agreement, the release (if any), or the modification or supplement to
the Mortgage Note or Mortgage to be delivered to the Trustee or the Custodian
and deposited with the Mortgage File for such Mortgage Loan. Any fee collected
by the Master Servicer or such related Subservicer for entering into an
assumption or substitution of liability agreement will be retained by the Master
Servicer or such Subservicer as additional servicing compensation.
(c) The Master Servicer or the related Subservicer, as the case may be,
shall be entitled to approve a request from a Mortgagor for a partial release of
the related Mortgaged Property, the granting of an easement thereon in favor of
another Person, any alteration or demolition of the related Mortgaged Property
(or, 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
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below or above the rate of interest on such Mortgage Loan prior to such proposed
assignment; and (iv) that such assignment is at the request of the borrower
under the related Mortgage Loan. Upon approval of an assignment in lieu of
satisfaction with respect to any Mortgage Loan, the Master Servicer shall
receive cash in an amount equal to the unpaid principal balance of and accrued
interest on such Mortgage Loan and the Master Servicer shall treat such amount
as a Principal Prepayment in Full with respect to such Mortgage Loan for all
purposes hereof.
Section 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 reasonabe 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
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
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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 connecion
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 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
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connection with a default or imminent default on a Mortgage Loan, the Master
Servicer on behalf of the Trust Fund shall dispose of such REO Property within
three full years after the taxable year of its acquisition by the Trust Fund for
purposes of Section 860G(a)(8) of the Code (or such shorter period as may be
necessary under applicable state (including any state in which such property is
located) law to maintain the status of the Trust Fund as a REMIC under
applicable state law and avoid taxes resulting from such property failing to be
foreclosure property under applicable state law) or, at the expense of the Trust
Fund, request, more than 60 days before the day on which such grace period would
otherwise expire, an extension of such 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 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 (for
federal (or any applicable State or local) income tax purposes) at any time that
any Certificates are outstanding, in which case the Trust Fund may continue to
hold such REO Property (subject to any conditions contained in such Opinion of
Counsel). The Master Servicer shall be entitled to be reimbursed from the
Custodial Account for any costs incurred in obtaining such Opinion of Counsel,
as provided in Section 3.10. Notwithstanding any other provision of this
Agreement, no REO Property acquired by the Trust Fund shall be rented (or
allowed to continue to be rented) or otherwise used by or on behalf of the Trust
Fund in such a manner or pursuant to any terms that would (i) cause such REO
Property to fail to qualify as "foreclosure property" within the meaning of
Section 860G(a)(8) of the Code or (ii) subject the Trust Fund to the imposition
of any federal income taxes on the income earned from such REO Property,
including any taxes imposed by reason of Section 860G(c) of the Code, unless the
Master Servicer has agreed to indemnify and hold harmless the Trust Fund with
respect to the imposition of any such taxes.
(d) The proceeds of any Cash Liquidation, REO Disposition or purchase or
repurchase of any Mortgage Loan pursuant to the terms of this Agreement, as well
as any recovery resulting from a collection of Liquidation Proceeds, Insurance
Proceeds or REO Proceeds, will be applied in the following order of priority:
first, to reimburse the Master Servicer or the related Subservicer in accordance
with Section 3.10(a)(ii); second, to the Certificateholders to the extent of
accrued and unpaid interest on the Mortgage Loan, and any related REO Imputed
Interest, at the Net Mortgage Rate (or the Modified Net Mortgage Rate in the
case of a Modified Mortgage Loan) to the Due Date prior to the Distribution Date
on which such amounts are to be distributed; third, to the Certificateholders as
a recovery of principal on the Mortgage Loan (or REO Property)(provided that if
any such Class of Certificates to which such Realized Loss was allocated is no
longer outstanding, such subsequent recovery shall be distributed to the persons
who were the Holders of such Class of Certificates when it was retired); fourth,
to all Servicing Fees and Subservicing Fees payable therefrom (and the Master
Servicer and the Subservicer shall have no claims for any deficiencies with
respect to such fees which result from the foregoing allocation); and fifth, to
Foreclosure Profits.
(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
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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, or,
in the case of the Custodian, an electronic request in a form acceptable to the
Custodian, 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 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, or, in the case of the Custodian, an
electronic request in a form acceptable to the Custodian, requesting that
possession of all, or any document constituting part of, the Mortgage File be
released to the Master Servicer and certifying as to the reason for such release
and that such release will not invalidate any insurance coverage provided in
respect of the Mortgage Loan under any Required Insurance Policy. Upon receipt
of the foregoing, the Trustee shall deliver, or cause the Custodian to deliver,
the Mortgage File or any document therein to the Master Servicer. The Master
Servicer shall cause each Mortgage File or any document therein so released to
be returned to the Trustee, or the Custodian as agent for the Trustee when the
need therefor by the Master Servicer no longer exists, unless (i) the Mortgage
Loan has been liquidated and the Liquidation Proceeds relating to the Mortgage
Loan have been deposited in the Custodial Account or (ii) the Mortgage File or
such document has been delivered directly or through a Subservicer to an
attorney, or to a public trustee or other public official as required by law,
for purposes of initiating or pursuing legal action or other proceedings for the
foreclosure of the Mortgaged Property either judicially or non-judicially, and
the Master Servicer has delivered directly or through a Subservicer to the
Trustee a certificate of a Servicing Officer certifying as to the name and
address of the Person to which such Mortgage File or such document was delivered
and the purpose or purposes of such delivery. In the event of the liquidation of
a Mortgage Loan, the Trustee shall deliver the Request for Release with respect
thereto to the Master Servicer upon deposit of the related Liquidation Proceeds
in the Custodial
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Account.
(c) The Trustee or the Master Servicer on the Trustee's behalf shall
execute and deliver to the Master Servicer, if necessary, any court pleadings,
requests for trustee's sale or other documents necessary to the foreclosure or
trustee's sale in respect of a Mortgaged Property or to any legal action brought
to obtain judgment against any Mortgagor on the Mortgage Note or Mortgage or to
obtain a deficiency judgment, or to enforce any other remedies or rights
provided by the Mortgage Note or Mortgage or otherwise available at law or in
equity. Together with such documents or pleadings (if signed by the Trustee),
the Master Servicer shall deliver to the Trustee a certificate of a Servicing
Officer requesting that such pleadings or documents be executed by the Trustee
and certifying as to the reason such documents or pleadings are required and
that the execution and delivery thereof by the Trustee will not invalidate any
insurance coverage under any Required Insurance Policy or invalidate or
otherwise affect the lien of the Mortgage, except for the termination of such a
lien upon completion of the foreclosure or trustee's sale.
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 (or the
Modified Net Mortgage Rate in the case of a Modified Mortgage Loan), 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.
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(e) Notwithstanding any other provision herein, the amount of servicing
compensation that the Master Servicer shall be entitled to receive for its
activities hereunder for the period ending on each Distribution Date shall be
reduced (but not below zero) by an amount equal to Compensating Interest (if
any) for such Distribution Date. Such reduction shall be applied during such
period as follows: first, to any Servicing Fee or Subservicing Fee to which the
Master Servicer is entitled pursuant to Section 3.10(a)(iii); second, to any
income or gain realized from any investment of funds held in the Custodial
Account or the Certificate Account to which the Master Servicer is entitled
pursuant to Sections 3.07(c) or 4.01(b), respectively; and third, to any amounts
of servicing compensation to which the Master Servicer is entitled pursuant to
Section 3.10(a)(v) or (vi). In making such reduction, the Master Servicer (i)
will not withdraw from the Custodial Account any such amount representing all or
a portion of the Servicing Fee to which it is entitled pursuant to Section
3.10(a)(iii); (ii) will not withdraw from the Custodial Account or Certificate
Account any such amount to which it is entitled pursuant to Section 3.07(c) or
4.01(b) and (iii) will not withdraw from the Custodial Account any such amount
of servicing compensation to which it is entitled pursuant to Section 3.10(a)(v)
or (vi).
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
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
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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 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,
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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 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
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Certificates (other than any Subclass of the Class A-3 Certificates), shall be
based on the aggregate of the Percentage Interests represented by Certificates
of the applicable Class held by such Holder or (B) with respect to any Subclass
of the Class A-3 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 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-3 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) to the Class A Certificateholders and Class R
Certificateholders, in the priorities and amounts set forth in
Section 4.02(b)(ii) and (iii) 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, whether or not received on or prior to the related
Determination Date, minus the principal portion of any Debt
Service Reduction 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; 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)(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
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of the related Mortgage Loan pursuant to Section 3.14;
(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
and (b) the Senior Accelerated Distribution Percentage for such
Distribution Date times the related unscheduled collections
(including without limitation Insurance Proceeds, Liquidation
Proceeds and REO Proceeds) to the extent applied by the Master
Servicer as recoveries of principal of the related Mortgage Loan
pursuant to Section 3.14;
(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;
(D) any Excess Subordinate Principal Amount for such
Distribution Date; and
(E) any amounts described in subsection (ii), 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;
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(v) to the Holders of the Class M-1 Certificates, an amount equal to
the Subordinate Principal Distribution Amount for such Class of
Certificates for such Distribution Date, 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 the Subordinate Principal Distribution Amount for such Class
of Certificates for such Distribution Date, 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
the Subordinate Principal Distribution Amount for such Class of
Certificates for such Distribution Date, 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
the Subordinate Principal Distribution Amount for such Class of
Certificates for such Distribution Date, 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 the Subordinate Principal Distribution Amount for such Class
of Certificates for such Distribution Date, applied in reduction
of the Certificate Principal Balance of the Class B-2
Certificates;
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(xiv)to the Holders of the Class B-3 Certificates, an amount equal
to 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;
(xv) to the Holders of the Class B-3 Certificates, an amount equal to
the Subordinate Principal Distribution Amount for such Class of
Certificates for such Distribution Date, 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 Certificates and
Class R Certificates have been retired, applied to reduce the
Certificate Principal Balance of each such Class of Class M
Certificates, but in no event more than the outstanding
Certificate Principal Balance of each such Class of Class M
Certificates; and thereafter to each such Class of Class B
Certificates then outstanding beginning with such Class with the
lowest numerical designation, any portion of the Available
Distribution Amount remaining after the Class M Certificates
have been retired, applied to reduce the Certificate Principal
Balance of each such Class of Class B Certificates, but in no
event more than the outstanding Certificate Principal Balance of
each such Class of Class B Certificates; and
(xvii) to the Class R Certificateholders, the balance, if any, of the
Available Distribution Amount.
Notwithstanding the foregoing, on any Distribution Date, with respect to
the Class of Class B Certificates outstanding on such Distribution Date with the
highest numerical designation, or in the event the Class B Certificates are no
longer outstanding, the Class of Class M Certificates then outstanding with the
highest numerical designation, or in the event the Class B Certificates and
Class M Certificates are no longer outstanding, the Class A and Class R
Certificates, Accrued Certificate Interest thereon remaining unpaid from any
previous Distribution Date will be distributable only to the extent that such
unpaid Accrued Certificate Interest was attributable to interest shortfalls
relating to 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
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Distribution Date occurring prior to the occurrence of the Credit Support
Depletion Date will be made as follows:
(i) the Senior Principal Distribution Amount shall be distributed to
the Class R Certificates until the Certificate Principal Balance
thereof has been reduced to zero; and
(ii) the balance of the Senior Principal Distribution Amount
remaining after the distributions, if any, described in clause
(i) above shall be distributed concurrently to the Class A-1
Certificates and Class A-2 Certificates on a pro rata basis in
accordance with the percentage of amounts described in Sections
4.02(a)(ii)(A), (B) and (C) derived from the related Sub-Group,
in each case until the Certificate Principal Balance of either
such class has been reduced to zero and thereafter shall be
distributed to the remaining class of Class A 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 and Class
R Certificates will be disregarded and the Senior Principal Distribution Amount
will be distributed among all classes of Class A Certificates and Class R
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 and Class R Certificates to zero but prior to the occurrence of the
Credit Support Depletion Date, the Class A 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-3, 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 (with the amounts
to be distributed allocated among such Classes in the same proportions as such
Realized Loss was allocated), and within each such Class to the
Certificateholders of record as of the Record Date immediately preceding the
date of such distribution (or if such Class of Certificates is no longer
outstanding, to the Certificateholders of
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record at the time that such Realized Loss was allocated); provided that no such
distribution to any Class of Certificates of subsequent recoveries related to a
Mortgage Loan shall exceed, either individually or in the aggregate and together
with any other amounts paid in reimbursement therefor, the amount of the related
Realized Loss that was allocated to such Class of Certificates. Notwithstanding
the foregoing, no such distribution shall be made with respect to the
Certificates of any Class to the extent that either (i) such Class was protected
against the related Realized Loss pursuant to any instrument or fund established
under Section 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 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- 3
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-3 Certificates, to the Class A-3 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
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escrow account for the benefit of such Certificateholders as
provided in Section 9.01(d).
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, after giving effect to the
distribution made on such Distribution Date;
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(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-3
Certificates and each Subclass, if any, thereof;
(xiii) the Class A-3 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 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
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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 the
related Distribution Date, which shall be in an aggregate amount equal to the
aggregate amount of Monthly Payments (with each interest portion thereof
adjusted to the Net Mortgage Rate), less the amount of any related Servicing
Modifications, Debt Service Reductions or reductions in the amount of interest
collectable from the Mortgagor pursuant to the Soldiers' and Sailors' Civil
Relief Act of 1940, as amended, or similar legislation or regulations then in
effect, on the Outstanding Mortgage Loans as of the related Due Date, which
Monthly Payments were delinquent as of the close of business as of the related
Determination Date; provided that no Advance shall be made if it would be a
Nonrecoverable Advance, (ii) withdraw from amounts on deposit in the Custodial
Account and deposit in the Certificate Account all or a portion of the Amount
Held for Future Distribution in discharge of any such Advance, or (iii) make
advances in the form of any combination of (i) and (ii) aggregating the amount
of such Advance. Any portion of the Amount Held for Future Distribution so used
shall be replaced by the Master Servicer by deposit in the Certificate Account
on or before 11:00 A.M. New York time on any future Certificate Account Deposit
Date to the extent that funds attributable to the Mortgage Loans that are
available in the Custodial Account for deposit in the Certificate Account on
such Certificate Account Deposit Date shall be less than payments to
Certificateholders required to be made on the following Distribution Date. The
Master Servicer shall be entitled to use any Advance made by a Subservicer
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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, 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, Servicing Modification, Debt Service Reduction, Deficient Valuation
or REO Disposition that occurred during the related Prepayment Period or, in the
case of a Servicing Modification that constitutes a reduction of the interest
rate on a Mortgage Loan, the amount of the reduction in the interest portion of
the Monthly Payment due in the month in which such Distribution Date occurs. The
amount of each Realized Loss shall be evidenced by an Officers' Certificate. All
Realized Losses, other than Excess Special Hazard Losses, Extraordinary Losses,
Excess Bankruptcy Losses or Excess Fraud Losses, shall be allocated as follows:
first, to the Class B-3 Certificates until the Certificate Principal Balance
thereof has been reduced to zero; second, to the Class B-2 Certificates until
the Certificate Principal Balance thereof has been reduced to zero; third, to
the Class B-1 Certificates until the Certificate Principal Balance thereof has
been reduced to zero; fourth, to the Class M-3 Certificates until the
Certificate Principal Balance thereof has been
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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, among all the Class A Certificates and Class R
Certificates, on a pro rata basis, as described below. Any Excess Special Hazard
Losses, Excess Bankruptcy Losses, Excess Fraud Losses and Extraordinary Losses
on Mortgage Loans will be allocated among the Class A, 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-3 Certificates
have been issued pursuant to Section 5.01(c), all Realized Losses and other
losses allocated to the Class A-3 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 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.
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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.
(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-3 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) and $1,000 (in the case of the Class M
and Class B Certificates) in excess thereof, except that one Certificate of each
of the Class M-2, Class B-1 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 M-2 $250,100.00
Class B-1 $471,200.00
Class B-3 $471,435.62
The Class R Certificates and Class A-3 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-3 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 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-3 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-3 Certificates, through the book-entry facilities of the
Depository and, except as provided below, shall not be entitled to
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Definitive Certificates in respect of such Ownership Interests. All transfers by
Certificate Owners of their respective Ownership Interests in the Book-Entry
Certificates shall be made in accordance with the procedures established by the
Depository Participant or brokerage firm representing such Certificate Owner.
Each Depository Participant shall transfer the Ownership Interests only in the
Book-Entry Certificates of Certificate Owners it represents or of brokerage
firms for which it acts as agent in accordance with the Depository's normal
procedures.
The Trustee, the Master Servicer and the Company may for all purposes
(including the making of payments due on the respective Classes of Book-Entry
Certificates) deal with the Depository as the authorized representative of the
Certificate Owners with respect to the respective Classes of Book-Entry
Certificates for the purposes of exercising the rights of Certificateholders
hereunder. The rights of Certificate Owners with respect to the respective
Classes of Book-Entry Certificates shall be limited to those established by law
and agreements between such Certificate Owners and the Depository Participants
and brokerage firms representing such Certificate Owners. Multiple requests and
directions from, and votes of, the Depository as Holder of any Class of
Book-Entry Certificates with respect to any particular matter shall not be
deemed inconsistent if they are made with respect to different Certificate
Owners. The Trustee may establish a reasonable record date in connection with
solicitations of consents from or voting by Certificateholders and shall give
notice to the Depository of such record date.
If (i)(A) the Company advises the Trustee in writing that the Depository
is no longer willing or able to properly discharge its responsibilities as
Depository and (B) the Company is unable to locate a qualified successor or (ii)
the Company at its option advises the Trustee in writing that it elects to
terminate the book-entry system through the Depository, the Trustee shall notify
all Certificate Owners, through the Depository, of the occurrence of any such
event and of the availability of Definitive Certificates to Certificate Owners
requesting the same. Upon surrender to the Trustee of the Book-Entry
Certificates by the Depository, accompanied by registration instructions from
the Depository for registration of transfer, the Trustee shall issue the
Definitive Certificates. Neither the Company, the Master Servicer nor the
Trustee shall be liable for any actions taken by the Depository or its nominee,
including, without limitation, any delay in delivery of such instructions and
may conclusively rely on, and shall be protected in relying on, such
instructions. 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-3 Certificates, may exchange such Holder's Class A-3 Certificates for
Subclasses of Class A-3 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- 3 Certificates so surrendered for exchange. Any Subclass so issued
shall bear a numerical designation commencing with Class A-3-1 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,
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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 a Request for Exchange corresponds to a Subclass which has
previously been issued. Each Subclass so issued shall be substantially in the
form set forth in Exhibit A and shall, on original issue, be executed and
delivered by the Trustee to the Certificate Registrar for authentication and
delivery in accordance with Section 5.01(a). Every Certificate presented or
surrendered for exchange by the initial Holder shall (if so required by the
Trustee or the Certificate Registrar) be duly endorsed by, or be accompanied by
a written instrument of transfer attached to such Certificate and shall be
completed to the satisfaction of the Trustee and the Certificate Registrar duly
executed by, the initial Holder thereof or his attorney duly authorized in
writing. The Certificates of any Subclass of Class A-3 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
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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 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-1 hereto, and
the Trustee shall require the transferor to execute a representation letter,
substantially in the form of Exhibit K hereto, each acceptable to and in form
and substance satisfactory to the Company and the Trustee certifying to the
Company and the Trustee the facts surrounding such transfer, which
representation letters shall not be an expense of the Trustee, the Company or
the Master Servicer 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 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
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(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 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
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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 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
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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.
(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
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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 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
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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 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.
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(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, 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 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
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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 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
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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
(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
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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 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
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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 Account. If the Trustee has become the successor to
the Master Servicer in accordance with Section 6.04 or Section 7.01, then
notwithstanding the above, the Trustee may, if it shall be unwilling to so act,
or shall, if it is unable to so act, appoint, or petition a court of competent
jurisdiction to appoint, any established housing and home finance institution,
which is also a FNMA-or FHLMC-approved mortgage servicing institution, having a
net worth of not less than $10,000,000 as the successor to the Master Servicer
hereunder in the assumption of all or any part of the responsibilities, duties
or liabilities of the Master Servicer hereunder. Pending appointment of a
successor to the Master Servicer hereunder, the Trustee shall become successor
to the Master Servicer and shall act in such capacity as hereinabove provided.
In connection with such appointment and assumption, the Trustee may make such
arrangements for the compensation of such successor out of payments on Mortgage
Loans as it and such successor shall agree; provided, however, that no such
compensation shall be in excess of that permitted the initial Master Servicer
hereunder. The Company, the Trustee, the Custodian and such successor shall take
such action, consistent with this Agreement, as shall be necessary to effectuate
any such succession. The Servicing Fee for any successor Master Servicer
appointed pursuant to this Section 7.02 will be lowered with respect to those
Mortgage Loans, if any, where the Subservicing Fee accrues at a rate of less
than 0.20% per annum in the event that the successor Master Servicer is not
servicing such Mortgage Loans directly and it is necessary to raise the related
Subservicing Fee to a rate of 0.20% per annum in order to hire a Subservicer
with respect to such Mortgage Loans.
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Section 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 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 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
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certificates or opinions furnished to the Trustee by the Company
or the Master Servicer and which on their face, do not
contradict the requirements of this Agreement;
(ii) The Trustee shall not be personally liable for an error of
judgment made in good faith by a Responsible Officer or
Responsible Officers of the Trustee, unless it shall be proved
that the Trustee was negligent in ascertaining the pertinent
facts;
(iii)The Trustee shall not be personally liable with respect to any
action taken, suffered or omitted to be taken by it in good
faith in accordance with the direction of Certificateholders of
any Class holding Certificates which evidence, as to such Class,
Percentage Interests aggregating not less than 25% as to the
time, method and place of conducting any proceeding for any
remedy available to the Trustee, or exercising any trust or
power conferred upon the Trustee, under this Agreement;
(iv) The Trustee shall not be charged with knowledge of any default
(other than a default in payment to the Trustee) specified in
clauses (i) and (ii) of Section 7.01 or an Event of Default
under clauses (iii), (iv) and (v) of Section 7.01 unless a
Responsible Officer of the Trustee assigned to and working in
the Corporate Trust Office obtains actual knowledge of such
failure or event or the Trustee receives written notice of such
failure or event at its Corporate Trust Office from the Master
Servicer, the Company or any Certificateholder; and
(v) Except to the extent provided in Section 7.02, no provision
in this Agreement shall require the Trustee to expend or
risk its own funds (including, without limitation, the
making of any Advance) or otherwise incur any personal
financial liability in the performance of any of its duties
as Trustee hereunder, or in the exercise of any of its
rights or powers, if the Trustee shall have reasonable
grounds for believing that repayment of funds or adequate
indemnity against such risk or liability is not reasonably
assured to it.
(d) The Trustee shall timely pay, from its own funds, the amount of any and
all federal, state and local taxes imposed on the Trust Fund or its assets or
transactions including, without limitation, (A) "prohibited transaction" penalty
taxes as defined in Section 860F of the Code, if, when and as the same shall be
due and payable, (B) any tax on contributions to a REMIC after the Closing Date
imposed by Section 860G(d) of the Code and (C) any tax on "net income from
foreclosure property" as defined in Section 860G(c) of the Code, but only if
such taxes arise out of a breach by the Trustee of its obligations hereunder,
which breach constitutes negligence or willful misconduct of the Trustee.
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Section 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;
(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
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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).
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.
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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 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
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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 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 suc Certificates.
(c) The Holders of Certificates entitled to at least 51% of the Voting
Rights may at any time
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remove the Trustee and appoint a successor trustee by written instrument or
instruments, in triplicate, signed by such Holders or their attorneys-in-fact
duly authorized, one complete set of which instruments shall be delivered to the
Company, one complete set to the Trustee so removed and one complete set to the
successor so appointed.
(d) Any resignation or removal of the Trustee and appointment of a
successor trustee pursuant to any of the provisions of this Section shall become
effective upon acceptance of appointment by the successor trustee as provided in
Section 8.08.
Section 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 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.
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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.
(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.
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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 (or Modified Net Mortgage Rate
in the case of any Modified Mortgage Loan) to, but not
including, the first day of the month in which such repurchase
price is distributed, provided, however, that in no event shall
the trust created hereby continue beyond the expiration of 21
years from the death of the last survivor of the descendants of
Joseph P. Kennedy, the late ambassador of the United States to
the Court of St. James, living on the date hereof and provided
further that the purchase price set forth above shall be
increased as is necessary, as determined by the Master Servicer,
to avoid disqualification of the Trust Fund as a REMIC.
The right of the Master Servicer or the Company to purchase all the assets
of the Trust Fund pursuant to clause (ii) above is conditioned upon the Pool
Stated Principal Balance as of the Final Distribution Date being less than ten
percent of the Cut-off Date Principal Balance of the Mortgage Loans. If such
right is exercised by the Master Servicer, the Master Servicer shall be deemed
to have been reimbursed for the full amount of any unreimbursed Advances
theretofore made by it with respect to the Mortgage Loans. In addition, the
Master Servicer or the Company, as applicable, shall provide to the Trustee the
certification required by Section 3.15 and the Trustee and any Custodian shall,
promptly following payment of the purchase price, release to the Master Servicer
or the Company, as
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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 immediately available funds an amount
equal to the purchase price for the assets of the Trust Fund computed as above
provided.
(c) In the case of the Class A, Class M, Class B and the Class R
Certificates, upon presentation and surrender of the Certificates by the
Certificateholders thereof, the Trustee shall distribute to the
Certificateholders (i) the amount otherwise distributable on such Distribution
Date, if not in connection with the Master Servicer's or the Company's election
to repurchase, or (ii) if the Master Servicer or the Company elected to so
repurchase, an amount determined as follows: (A) with respect to each
Certificate the outstanding Certificate Principal Balance thereof, plus 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).
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(d) In the event that any Certificateholders shall not surrender their
Certificates for final payment and cancellation on or before the Final
Distribution Date (if so required by the terms hereof), the Trustee shall on
such date cause all funds in the Certificate Account not distributed in final
distribution to Certificateholders to be withdrawn therefrom and credited to the
remaining Certificateholders by depositing such funds in a separate escrow
account for the benefit of such Certificateholders, and the Master Servicer or
the Company, as applicable (if it exercised its right to purchase the assets of
the Trust Fund), or the Trustee (in any other case) shall give a second written
notice to the remaining Certificateholders to surrender their Certificates for
cancellation and receive the final distribution with respect thereto. If within
six months after the second notice any Certificate shall not have been
surrendered for cancellation, the Trustee shall take appropriate steps as
directed by the Master Servicer or the Company, as applicable, to contact the
remaining Certificateholders concerning surrender of their Certificates. The
costs and expenses of maintaining the escrow account and of contacting
Certificateholders shall be paid out of the assets which remain in the escrow
account. If within nine months after the second notice any Certificates shall
not have been surrendered for cancellation, the Trustee shall pay to the Master
Servicer or the Company, as applicable, all amounts distributable to the holders
thereof and the Master Servicer or the Company, as applicable, shall thereafter
hold such amounts until distributed to such holders. No interest shall accrue or
be payable to any Certificateholder on any amount held in the escrow account or
by the Master Servicer or the Company, as applicable, as a result of such
Certificateholder's failure to surrender its Certificate(s) for final payment
thereof in accordance with this Section 9.01.
Section 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
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(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-3 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.
(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
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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
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
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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 uch 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 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
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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-3
Certificates) representing a regular interest in the REMIC would be reduced to
zero is February 25, 2013, 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 February 25, 2013, 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 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.
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(c) The Master Servicer agrees to indemnify the Trust Fund, the Company,
the REMIC Administrator and the Trustee for any taxes and costs (including,
without limitation, any reasonable attorneys' fees) imposed on or incurred by
the Trust Fund, the Company, 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
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
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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 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,
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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 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
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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 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.
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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 600, Minneapolis, Minnesota 55437, Attention:
President, or such other address as may hereafter be furnished to the Master
Servicer and the Trustee in writing by the Company, (b) in the case of the
Master Servicer, 10 Universal City Plaza, Suite 2100, Universal City, California
91608, Attention: Ms. Becker or such other address as may be hereafter furnished
to the Company and the Trustee by the Master Servicer in writing, (c) in the
case of the Trustee, Corporate Trust Services Division, 3 Park Plaza, Irvine,
California 92714, Attention: Residential Accredit Loans, Inc. Series 1998-QS3 or
such other address as may hereafter be furnished to the Company and the Master
Servicer in writing by the Trustee, (d) in the case of Fitch IBCA, 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 IBCA 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,
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(g) a change in the location of the Custodial Account or the Certificate
Account,
(h) the occurrence of any monthly cash flow shortfall to the Holders of any
Class of Certificates resulting from the failure by the Master Servicer to make
an Advance pursuant to Section 4.04,
(i) the occurrence of the Final Distribution Date, and
(j) the repurchase of or substitution for any Mortgage Loan,
provided, however, that with respect to notice of the occurrence of the events
described in clauses (d), (g) or (h) above, the Master Servicer shall provide
prompt written notice to each Rating Agency and the Subservicer of any such
event known to the Master Servicer.
Section 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 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
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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: /s/ Randy Van Zee
Name: Randy Van Zee
Title: Vice President
Attest: /s/ Timothy A. Kruse
Name: Timothy A. Kruse
Title: Vice President
RESIDENTIAL FUNDING CORPORATION
[Seal]
By: /s/ Timothy A. Kruse
Name: Timothy A. Kruse
Title: Director
Attest: /s/ Randy Van Zee
Name: Randy Van Zee
Title: Director
BANKERS TRUST COMPANY,
As Trustee
[Seal]
By: /s/ Gary R. Vaughan
Name:
Title:
Attest: /s/ Stephen Hessler
Name:
Title:
<PAGE>
STATE OF MINNESTOA )
) ss.:
COUNTY OF HENNEPIN )
On the 26th day of February, 1998 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]
<PAGE>
STATE OF MINNESTOA )
) ss.:
COUNTY OF HENNEPIN )
On the 26th day of February, 1998 before me, a notary public in and for
said State, personally appeared Timothy A. Kruse, known to me to be a Director
of Residential Funding Corporation, one of the corporations that executed the
within instrument, and also known to me to be the person who executed it on
behalf of said corporation, and acknowledged to me that such corporation
executed the within instrument.
IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official
seal the day and year in this certificate first above written.
Notary Public
[Notarial Seal]
<PAGE>
STATE OF CALIFORNIA )
) ss.:
COUNTY OF ORANGE )
On the 26th day of February, 1998 before me, a notary public in and for
said State, personally appeared _____________, known to me to be an
_____________ 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]
<PAGE>
EXHIBIT A
FORM OF CLASS A CERTIFICATE
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A
"REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE
TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL
REVENUE CODE OF 1986.
[THE 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 FEBRUARY 26, 1998. 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.]
<PAGE>
Certificate No. ____. [____%][Variable] Pass-Through Rate [based on a
Notional Amount]
Class A-__ Senior.Date of Pooling[Percentage Interest: ___%]
Servicing Agreement and Cut-off Date:
February 1, 1998
Aggregate Initial [Certificate Principal
Balance] [Class A-3 Notional Amount] [Subclass
Notional Amount] of the Class A-__
Certificates:
First Distribution Date: March 25, 1998.
Master Servicer: Residential Fun[Initial] [Certificate Principal Balance]
[[Class A-3] Corporation. [Subclass] Notional Amount] of this Certificate:
$-------------]
Assumed Final Distribution Date: CUSIP 76110F-_____
[February 25, 2013]
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE
SERIES 1998-QS3
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 Principal Balance] [Initial Class A-3 Notional Amount]
of this Certificate by the aggregate [Initial Certificate Principal Balance of
all Class A-___ Certificates] [Initial Class A-3 Notional Amounts of all Class
A-3 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
A-2
<PAGE>
(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-3 Notional Amount of the Class A-3 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-3 Certificates.] [The Subclass Notional
Amount of the Class A-3-_ 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-3-_
Certificates immediately prior to such date.] [The Class A-3[-_] 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
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-3 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
A-3
<PAGE>
Loan or from other cash that would have been distributable to
Certificateholders.
As provided in the Agreement, withdrawals from the Custodial Account
and/or the Certificate Account created for the benefit of Certificateholders may
be made by the Master Servicer from time to time for purposes other than
distributions to Certificateholders, such purposes including without limitation
reimbursement to the Company and the Master Servicer of advances made, or
certain expenses incurred, by either of them.
The Agreement permits, with certain exceptions therein provided, the
amendment of the Agreement and the modification of the rights and obligations of
the Company, the Master Servicer and the Trustee and the rights of the
Certificateholders under the Agreement at any time by the Company, the Master
Servicer and the Trustee with the consent of the Holders of Certificates
evidencing in the aggregate not less than 66% of the Percentage Interests of
each Class of Certificates affected thereby. Any such consent by the Holder of
this Certificate shall be conclusive and binding on such Holder and upon all
future holders of this Certificate and of any Certificate issued upon the
transfer hereof or in exchange herefor or in lieu hereof whether or not notation
of such consent is made upon the Certificate. The Agreement also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain additional circumstances, without the
consent of the Holders of certain Classes of Certificates.
As provided in the Agreement and subject to certain limitations therein
set forth, the transfer of this Certificate is registrable in the Certificate
Register upon surrender of this Certificate for registration of transfer at the
offices or agencies appointed by the Trustee in the City and State of New York,
duly endorsed by, or accompanied by an assignment in the form below or other
written instrument of transfer in form satisfactory to the Trustee and the
Certificate Registrar duly executed by the Holder hereof or such Holder's
attorney duly authorized in writing, and thereupon one or more new Certificates
of authorized denominations evidencing the same Class and aggregate Percentage
Interest will be issued to the designated transferee or transferees.
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.
A-4
<PAGE>
This Certificate shall be governed by and construed in accordance with the
laws of the State of New York.
The obligations created by the Agreement in respect of the Certificates
and the Trust Fund created thereby shall terminate upon the payment to
Certificateholders of all amounts held by or on behalf of the Trustee and
required to be paid to them pursuant to the Agreement following the earlier of
(i) the maturity or other liquidation of the last Mortgage Loan subject thereto
or the disposition of all property acquired upon foreclosure or deed in lieu of
foreclosure of any Mortgage Loan and (ii) the purchase by the Master Servicer or
the Company from the Trust Fund of all remaining Mortgage Loans and all property
acquired in respect of such Mortgage Loans, thereby effecting early retirement
of the Certificates. The Agreement permits, but does not require, the Master
Servicer or the Company to (i) purchase at a price determined as provided in the
Agreement all remaining Mortgage Loans and all property acquired in respect of
any Mortgage Loan or (ii) purchase in whole, but not in part, all of the
Certificates from the Holders thereof; provided, that any such option may only
be exercised if the Pool Stated Principal Balance of the Mortgage Loans as of
the Distribution Date upon which the proceeds of any such purchase are
distributed is less than ten percent of the Cut-off Date Principal Balance of
the Mortgage Loans.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
Unless the certificate of authentication hereon has been executed by the
Certificate Registrar, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.
A-5
<PAGE>
IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly
executed.
Dated: 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 Trustee
By:
Authorized Signatory
A-6
<PAGE>
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and
transfer(s) unto (Please print or typewrite name and address including postal
zip code of assignee) a Percentage Interest evidenced by the within Mortgage
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 FEBRUARY 26, 1998. 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.]
<PAGE>
Certificate No. ____. [____%]Pass-Through Rate [based on a Notional
Amount]
Class M-__ Subordinate [Percentage Interest: ___%]
Aggregate Certificate Principal Balance of the Class
M Certificates: $____________
Date of Pooling and Sevicing Agreement
and Cut-off Date: February 1, 1998
First Distribution Date: March 25, 1998.
Master Servicer: Residential FunInitial Certificate Balance of this
Certificate:
Corporation. $_____________
Assumed Final Distribution Date: CUSIP 76110F-_____
[February 25, 2013]
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE,
SERIES 1998-QS3
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 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
B-2
<PAGE>
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 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 Sections I
and 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
B-3
<PAGE>
collectively called the "Certificates").
The Certificates are limited in right of payment to certain collections
and recoveries respecting the Mortgage Loans, all as more specifically set forth
herein and in the Agreement. In the event Master Servicer funds are advanced
with respect to any Mortgage Loan, such advance is reimbursable to the Master
Servicer, to the extent provided in the Agreement, from related recoveries on
such Mortgage Loan or from other cash that would have been distributable to
Certificateholders.
As provided in the Agreement, withdrawals from the Custodial Account
and/or the Certificate Account created for the benefit of Certificateholders may
be made by the Master Servicer from time to time for purposes other than
distributions to Certificateholders, such purposes including without limitation
reimbursement to the Company and the Master Servicer of advances made, or
certain expenses incurred, by either of them.
The Agreement permits, with certain exceptions therein provided, the
amendment of the Agreement and the modification of the rights and obligations of
the Company, the Master Servicer and the Trustee and the rights of the
Certificateholders under the Agreement at any time by the Company, the Master
Servicer and the Trustee with the consent of the Holders of Certificates
evidencing in the aggregate not less than 66% of the Percentage Interests of
each Class of Certificates affected thereby. Any such consent by the Holder of
this Certificate shall be conclusive and binding on such Holder and upon all
future holders of this Certificate and of any Certificate issued upon the
transfer hereof or in exchange herefor or in lieu hereof whether or not notation
of such consent is made upon the Certificate. The Agreement also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain additional circumstances, without the
consent of the Holders of certain Classes of Certificates.
As provided in the Agreement and subject to certain limitations therein
set forth, the transfer of this Certificate is registrable in the Certificate
Register upon surrender of this Certificate for registration of transfer at the
offices or agencies appointed by the Trustee in the City and State of New York,
duly endorsed by, or accompanied by an assignment in the form below or other
written instrument of transfer in form satisfactory to the Trustee and the
Certificate Registrar duly executed by the Holder hereof or such Holder's
attorney duly authorized in writing, and thereupon one or more new Certificates
of authorized denominations evidencing the same Class and aggregate Percentage
Interest will be issued to the designated transferee or transferees.
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.
B-4
<PAGE>
The Company, the Master Servicer, the Trustee and the Certificate
Registrar and any agent of the Company, the Master Servicer, the Trustee or the
Certificate Registrar may treat the Person in whose name this Certificate is
registered as the owner hereof for all purposes, and neither the Company, the
Master Servicer, the Trustee nor any such agent shall be affected by notice to
the contrary.
This Certificate shall be governed by and construed in accordance with the
laws of the State of New York.
The obligations created by the Agreement in respect of the Certificates
and the Trust Fund created thereby shall terminate upon the payment to
Certificateholders of all amounts held by or on behalf of the Trustee and
required to be paid to them pursuant to the Agreement following the earlier of
(i) the maturity or other liquidation of the last Mortgage Loan subject thereto
or the disposition of all property acquired upon foreclosure or deed in lieu of
foreclosure of any Mortgage Loan and (ii) the purchase by the Master Servicer or
the Company from the Trust Fund of all remaining Mortgage Loans and all property
acquired in respect of such Mortgage Loans, thereby effecting early retirement
of the Certificates. The Agreement permits, but does not require, the Master
Servicer or the Company to (i) purchase at a price determined as provided in the
Agreement all remaining Mortgage Loans and all property acquired in respect of
any Mortgage Loan or (ii) purchase in whole, but not in part, all of the
Certificates from the Holders thereof; provided, that any such option may only
be exercised if the Pool Stated Principal Balance of the Mortgage Loans as of
the Distribution Date upon which the proceeds of any such purchase are
distributed is less than ten percent of the Cut-off Date Principal Balance of
the Mortgage Loans.
Unless the certificate of authentication hereon has been executed by the
Certificate Registrar, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.
B-5
<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
B-6
<PAGE>
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and
transfer(s) unto _ _ (Please print or typewrite name and address including
postal zip code of assignee) a Percentage Interest evidenced by the within
Mortgage 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 FEBRUARY 26, 1998. 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.
<PAGE>
Certificate No. ____. [____%]Pass-Through Rate
Class B-__ Subordinate Aggregate Certificate Principal Balance of the Class
B Certificates as of the Cut-off Date: $____________ Date of Pooling and
Sevicing Agreement and Cut-off Date: February 1, 1998
FirstDistribution Date: March 25Initial Certificate Balance of this
Certificate: $-------------
Master Servicer: Residential Funding
Corporation.
Assumed Final Distribution Date:
February 25, 2013
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE,
SERIES 1998-QS3
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," 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
C-2
<PAGE>
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 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
C-3
<PAGE>
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 Sections I and 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 circumstances, without the
consent of the Holders of certain Classes of Certificates.
As provided in the Agreement and subject to certain limitations therein
set forth, the transfer of this Certificate is registrable in the Certificate
Register upon surrender of this Certificate for registration of transfer at the
offices or agencies appointed by the Trustee in the City and State of New York,
duly endorsed by, or accompanied by an assignment in the form below or other
written instrument of transfer in form satisfactory to the Trustee and the
Certificate Registrar duly executed by the Holder hereof or such Holder's
attorney duly authorized in writing, and thereupon one or more
C-4
<PAGE>
new Certificates of authorized denominations evidencing the same Class and
aggregate Percentage Interest will be issued to the designated transferee or
transferees.
The Certificates are issuable only as registered Certificates without
coupons in Classes and in denominations specified in the Agreement. As provided
in the Agreement and subject to certain limitations therein set forth,
Certificates are exchangeable for new Certificates of authorized denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.
No service charge will be made for any such registration of transfer or
exchange, but the Trustee may require payment of a sum sufficient to cover any
tax or other governmental charge payable in connection therewith.
The Company, the Master Servicer, the Trustee and the Certificate
Registrar and any agent of the Company, the Master Servicer, the Trustee or the
Certificate Registrar may treat the Person in whose name this Certificate is
registered as the owner hereof for all purposes, and neither the Company, the
Master Servicer, the Trustee nor any such agent shall be affected by notice to
the contrary.
This Certificate shall be governed by and construed in accordance with the
laws of the State of New York.
The obligations created by the Agreement in respect of the Certificates
and the Trust Fund created thereby shall terminate upon the payment to
Certificateholders of all amounts held by or on behalf of the Trustee and
required to be paid to them pursuant to the Agreement following the earlier of
(i) the maturity or other liquidation of the last Mortgage Loan subject thereto
or the disposition of all property acquired upon foreclosure or deed in lieu of
foreclosure of any Mortgage Loan and (ii) the purchase by the Master Servicer or
the Company from the Trust Fund of all remaining Mortgage Loans and all property
acquired in respect of such Mortgage Loans, thereby effecting early retirement
of the Certificates. The Agreement permits, but does not require, the Master
Servicer or the Company to (i) purchase at a price determined as provided in the
Agreement all remaining Mortgage Loans and all property acquired in respect of
any Mortgage Loan or (ii) purchase in whole, but not in part, all of the
Certificates from the Holders thereof; provided, that any such option may only
be exercised if the Pool Stated Principal Balance of the Mortgage Loans as of
the Distribution Date upon which the proceeds of any such purchase are
distributed is less than ten percent of the Cut-off Date Principal Balance of
the Mortgage Loans.
Unless the certificate of authentication hereon has been executed by the
Certificate Registrar, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.
C-5
<PAGE>
IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly
executed.
Dated: 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 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
<PAGE>
CERTIFICATE BY ACCEPTANCE OF THIS CERTIFICATE SHALL BE DEEMED TO HAVE CONSENTED
TO THE PROVISIONS OF THIS PARAGRAPH.
Certificate No. ____. [____%]Pass-Through Rate
Class R-__ Subordinate
Aggregate Initial Principal Balance of the Class R
Certificates: $100.00
Date of Pooling and Sevicing Agreement
and Cut-off Date: February 1, 1998
First Distribution Date: March 25Initial Certificate Balance of this
Certificate: $-------------
Master Servicer: Residential FunPercentage Interest: %
Corporation.
Assumed Final Distribution Date: CUSIP 76110F-
February 25, 2013
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE,
SERIES 1998-QS3
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 above (the "Agreement") among the
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<PAGE>
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 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
D-3
<PAGE>
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 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
D-4
<PAGE>
limitations therein set forth, Certificates are exchangeable for new
Certificates of authorized denominations evidencing the same Class and aggregate
Percentage Interest, as requested by the Holder surrendering the same.
No service charge will be made for any such registration of transfer or
exchange, but the Trustee may require payment of a sum sufficient to cover any
tax or other governmental charge payable in connection therewith.
The Company, the Master Servicer, the Trustee and the Certificate
Registrar and any agent of the Company, the Master Servicer, the Trustee or the
Certificate Registrar may treat the Person in whose name this Certificate is
registered as the owner hereof for all purposes, and neither the Company, the
Master Servicer, the Trustee nor any such agent shall be affected by notice to
the contrary.
This Certificate shall be governed by and construed in accordance with the
laws of the State of New York.
The obligations created by the Agreement in respect of the Certificates
and the Trust Fund created thereby shall terminate upon the payment to
Certificateholders of all amounts held by or on behalf of the Trustee and
required to be paid to them pursuant to the Agreement following the earlier of
(i) the maturity or other liquidation of the last Mortgage Loan subject thereto
or the disposition of all property acquired upon foreclosure or deed in lieu of
foreclosure of any Mortgage Loan and (ii) the purchase by the Master Servicer or
the Company from the Trust Fund of all remaining Mortgage Loans and all property
acquired in respect of such Mortgage Loans, thereby effecting early retirement
of the Certificates. The Agreement permits, but does not require, the Master
Servicer or the Company to (i) purchase at a price determined as provided in the
Agreement all remaining Mortgage Loans and all property acquired in respect of
any Mortgage Loan or (ii) purchase in whole, but not in part, all of the
Certificates from the Holders thereof; provided, that any such option may only
be exercised if the Pool Stated Principal Balance of the Mortgage Loans as of
the Distribution Date upon which the proceeds of any such purchase are
distributed is less than ten percent of the Cut-off Date Principal Balance of
the Mortgage Loans.
Reference is hereby made to the further provisions of this Certificate set
forth on the reverse hereof, which further provisions shall for all purpose have
the same effect as if set forth at this place.
Unless the certificate of authentication hereon has been executed by the
Certificate Registrar, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.
D-5
<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
<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 February 1, 1998, 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 February 1, 1998, relating to
the issuance of Residential Accredit Loans, Inc., Mortgage Asset-Backed
Pass-Through Certificates, Series 1998-QS3 (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.
ARTICLE II
Custody of Mortgage Documents
<PAGE>
Section 2.01. 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 2.02. 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 2.03. 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 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 e 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
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<PAGE>
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 2.04. 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 2.05. Custodian to Cooperate; Release of Mortgage Files. Upon the
repurchase or substitution of any Mortgage Loan pursuant to Article II of the
Pooling Agreement or payment in full of any Mortgage Loan, or the receipt by the
Master Servicer of a notification that payment in full will be escrowed in a
manner customary for such purposes, the Master Servicer shall immediately notify
the Custodian by a certification (which certification shall include a statement
to the effect that all amounts received or to be received in connection with
such payment which are required to be deposited in the Custodial Account
pursuant to Section 3.07 of the Pooling Agreement have been or will be so
deposited) of a Servicing Officer and shall request delivery to it of the
Mortgage File. The Custodian agrees, upon receipt of such certification and
request, promptly to release to the Master Servicer the related Mortgage File.
The Master Servicer shall deliver to the Custodian and the Custodian agrees to
accept the Mortgage Note and other documents constituting the Mortgage File with
respect to any Qualified Substitute Mortgage Loan.
From time to time as is appropriate for the servicing or foreclosures of
any Mortgage Loan, including, for this purpose, collection under any Primary
Insurance Policy or any Mortgage Pool Insurance Policy, the Master Servicer
shall deliver to the Custodian a certificate of a Servicing Officer requesting
that possession of 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
E-3
<PAGE>
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 2.06. Assumption Agreements. In the event that any assumption
agreement or substitution of liability agreement is entered into with respect to
any Mortgage Loan subject to this Agreement in accordance with the terms and
provisions of the Pooling Agreement, the Master Servicer shall notify the
Custodian that such assumption or substitution agreement has been completed by
forwarding to the Custodian the original of such assumption or substitution
agreement, which shall be added to the related Mortgage File and, for all
purposes, shall be considered a part of such Mortgage File to the same extent as
all other documents and instruments constituting parts thereof.
ARTICLE III
Concerning the Custodian
Section 3.01. 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 3.02. 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.
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<PAGE>
Section 3.03. 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 3.04. Master Servicer to Pay Custodian's Fees and Expenses. The
Master Servicer covenants and agrees to pay to the Custodian from time to time,
and the Custodian shall be entitled to, reasonable compensation for all services
rendered by it in the exercise and performance of any of the powers and duties
hereunder of the Custodian, and the Master Servicer will pay or reimburse the
Custodian upon its request for all reasonable expenses, disbursements and
advances incurred or made by the Custodian in accordance with any of the
provisions of this Agreement (including the reasonable compensation and the
expenses and disbursements of its counsel and of all persons not regularly in
its employ), except any such expense, disbursement or advance as may arise from
its negligence or bad faith.
Section 3.05. 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 3.06. 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 3.07. Representations of the Custodian. The Custodian hereby
represents that it is
E-5
<PAGE>
a depository institution 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 4.01. 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 4.02. 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 4.03. 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 4.04. Recordation of Agreement. To the extent permitted by
applicable law, this Agreement is subject to recordation in all appropriate
public offices for real property records in all the counties or other comparable
jurisdictions in which any or all of the properties subject to the Mortgages are
situated, and in any other appropriate public recording office or elsewhere,
such recordation to be effected by the Master Servicer and at its expense on
direction by the Trustee (pursuant to the request of holders of Certificates
evidencing undivided interests in the aggregate of not less than 25% of the
Trust Fund), but only upon direction accompanied by an Opinion of Counsel
reasonably satisfactory to the Master Servicer to the effect that the failure to
effect such recordation is likely to materially and adversely affect the
interests of the Certificateholders.
For the purpose of facilitating the recordation of this Agreement as
herein provided and for other purposes, this Agreement may be executed
simultaneously in any number of counterparts, each of which counterparts shall
be deemed to be an original, and such counterparts shall constitute but one and
the same instrument.
E-6
<PAGE>
Section 4.05. Severability of Provisions. If any one or more of the
covenants, agreements, provisions or terms of this Agreement shall be for any
reason whatsoever held invalid, then such covenants, agreements, provisions or
terms shall be deemed severable from the remaining covenants, agreements,
provisions or terms of this Agreement and shall in no way affect the validity or
enforceability of the other provisions of this Agreement or of the Certificates
or the rights of the holders thereof.
E-7
<PAGE>
IN WITNESS WHEREOF, this Agreement is executed as of the date first above
written.
Address: BANKERS TRUST COMPANY,
3 Park Plaza as Trustee
Irvine, California 92714
Attention: Residential Accredit Loans, Inc.
Series 1998-QS3
By:
Name:
Title:
Address: RESIDENTIAL ACCREDIT LOANS, INC.
8400 Normandale Lake Boulevard
Suite 600
Minneapolis, Minnesota 55437
By:
Name:
Title: Vice President
Address: RESIDENTIAL FUNDING
8400 Normandale Lake Boulevard CORPORATION, as Master Servicer
Suite 600
Minneapolis, Minnesota 55437
By:
Name:
Title: Director
Address: NORWEST BANK MINNESOTA,
401 Second Avenue South NATIONAL ASSOCIATION
Minneapolis, Minnesota 55479
By:
Name:
Title:
<PAGE>
STATE OF )
) ss.:
COUNTY OF )
On the 26th day of February, 1998, 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 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
[SEAL]
<PAGE>
STATE OF MINNESTOA )
) ss.:
COUNTY OF HENNEPIN )
On the 26th day of February, 1998, 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 MINNESTOA )
) ss.:
COUNTY OF HENNEPIN )
On the 26th day of February, 1998, 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 MINNESTOA )
) ss.:
COUNTY OF HENNEPIN )
On the 26th day of February, 1998, 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
February 26, 1998
Bankers Trust Company
3 Park Plaza
Irvine, California 92714
Attention: Residential Accredit Loans, Inc., Series 1998-QS3
Re: Custodial Agreement dated as of February 1, 1998, by and among Bankers
Trust Company, Residential Accredit Loans, Inc., Residential Funding
Corporation and Norwest Bank Minnesota, National Association, relating to
Residential Accredit Loans, Inc., Mortgage Asset-Backed Pass-Through
Certificates, Series 1998-QS3
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
________________ ____, 1998
Bankers Trust Company
3 Park Plaza
Irvine, California 92714
Attention: Residential Accredit Loans, Inc., Series 1998-QS3
Re: Custodial Agreement dated as of February 1, 1998, by and among Bankers
Trust Company, Residential Accredit Loans, Inc., Residential Funding
Corporation and Norwest Bank Minnesota, National Association, relating to
Residential Accredit Loans, Inc., Mortgage Asset-Backed Pass-Through
Certificates, Series 1998-QS3
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
________________ ____, 1998
Bankers Trust Company
3 Park Plaza
Irvine, California 92714
Attention: Residential Accredit Loans, Inc., Series 1998-QS3
Re: Custodial Agreement dated as of February 1, 1998, by and among
Bankers Trust Company, Residential Accredit Loans, Inc.,
Residential Funding Corporation and Norwest Bank Minnesota,
National Association, relating to Residential Accredit Loans,
Inc., Mortgage Asset-Backed Pass-Through Certificates, Series
1998-QS3
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 title from the originator
thereof to the Person assigning it
<PAGE>
to the Trustee or a copy of such assignment or assignments of
the Mortgage certified by the public recording office in which
such assignment or assignments have been recorded; and
(v) The original of each modification, assumption agreement or
preferred loan agreement, if any, relating to such Mortgage Loan
or a copy of each modification, assumption agreement or
preferred loan agreement certified by the public recording
office in which such document has been recorded;
and (II) with respect to each Cooperative Loan so assigned:
(i) The original Mortgage Note, endorsed without recourse to the
order of the Trustee and showing an unbroken chain of
endorsements from the originator thereof to the Person endorsing
it to the Trustee, or with respect to any Destroyed Mortgage
Note, an original lost note affidavit from the related Seller or
Residential Funding stating that the original Mortgage Note was
lost, misplaced or destroyed, together with a copy of the
related Mortgage Note;
(ii) A counterpart of the Cooperative Lease and the Assignment of
Proprietary Lease to the originator of the Cooperative Loan with
intervening assignments showing an unbroken chain of title from
such originator to the Trustee;
(iii)The related Cooperative Stock Certificate, representing the
related Cooperative Stock pledged with respect to such
Cooperative Loan, together with an undated stock power (or other
similar instrument) executed in blank;
(iv) The original recognition agreement by the Cooperative of the
interests of the mortgagee with respect to the related
Cooperative Loan;
(v) The Security Agreement;
(vi) Copies of the original UCC-1 financing statement, and any
continuation statements, filed by the originator of such
Cooperative Loan as secured party, each with evidence of
recording thereof, evidencing the interest of the originator
under the Security Agreement and the Assignment of Proprietary
Lease;
(vii)Copies of the filed UCC-3 assignments of the security interest
referenced in clause (vi) above showing an unbroken chain of
title from the originator to the Trustee, each with evidence of
recording thereof, evidencing the interest of the originator
under the Security Agreement and the Assignment of Proprietary
Lease;
(viii) An executed assignment of the interest of the originator in
the Security Agreement, Assignment of Proprietary Lease and the
recognition agreement
III-2
<PAGE>
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:
III-3
<PAGE>
EXHIBIT F
MORTGAGE LOAN SCHEDULE
1
RUN ON : 02/27/98 RFC DISCLOSURE SYSTEM RFFSD177-01
AT : 12.04.57 FIXED RATE LOAN LISTING AMORTIZED BALANCE
SERIES : RALI 1998-QS3 CUTOFF : 02/01/98
POOL : 0004285
:
:
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 #
______________________________________________________________________________
1536733 B75/G02 F 281,000.00 ZZ
180 267,726.61 1
4241 QUAIL RIDGE WAY 8.375 2,746.57 69
8.125 2,746.57 410,000.00
NORCROSS GA 30092 2 10/25/96 00
0430070474 05 12/01/96 0
2466761 N 11/01/11
0
1540297 909/G02 F 240,000.00 ZZ
180 230,730.66 1
1017 EAST J STREET 8.250 2,328.34 80
8.000 2,328.34 300,000.00
CHULA VISTA CA 91910 2 12/02/96 00
0430096362 05 02/01/97 0
6003867 O 01/01/12
0
1566418 B24/G02 F 132,000.00 ZZ
180 127,546.28 1
141 GROVE STREET 8.750 1,319.27 80
UNIT R 8.500 1,319.27 165,000.00
STAMFORD CT 06901 1 04/25/97 00
0430207167 01 06/01/97 0
194214 O 05/01/12
0
1585779 A37/H62 F 21,950.00 ZZ
180 21,543.72 1
5725 N 68TH STREET 9.250 225.91 90
8.750 225.91 24,404.00
MILWAUKEE WI 53218 1 06/16/97 04
7228976 05 08/01/97 30
1
97124 N 07/01/12
0
1587752 637/G02 F 99,400.00 ZZ
180 98,200.93 1
15423 TRUSLOW POINT LANE 7.625 928.53 70
7.375 928.53 143,685.00
SUGARLAND TX 77478 1 09/12/97 00
0430445049 05 11/01/97 0
3400942 O 10/01/12
0
1590241 H22/G02 F 101,500.00 ZZ
180 100,353.25 1
56 CEDAR AVE 8.375 992.09 70
8.125 992.09 145,000.00
POUGHKEEPSIE NY 12603 5 09/25/97 00
0430427492 05 11/01/97 0
9703013 O 10/01/12
0
1590656 E29/G02 F 50,150.00 ZZ
180 49,108.19 4
1452 NW 92ND 9.500 523.68 85
9.250 523.68 59,000.00
OKLAHOMA CITY OK 73120 2 05/29/97 04
0430431429 05 07/01/97 20
19705104 N 06/01/12
0
1590716 707/707 F 56,700.00 T
180 52,494.03 1
2191 S KIHEI ROAD 8.875 570.88 70
8.625 570.88 81,000.00
KIHEI HI 96753 1 07/11/97 00
6002013 01 09/01/97 0
6002013 O 08/01/12
0
1592268 180/G02 F 132,000.00 ZZ
180 129,795.92 2
3216 WINDSOR ROAD 8.625 1,309.55 55
8.375 1,309.55 244,000.00
AUSTIN TX 78703 5 07/01/97 00
0430335083 05 09/01/97 0
4942702 N 08/01/12
0
1
1593444 225/225 F 94,500.00 ZZ
180 92,464.13 4
411 HAZARD AVENUE 9.000 958.49 90
8.750 958.49 105,000.00
ENFIELD CT 06082 1 07/10/97 10
8049386 05 09/01/97 25
8049386 N 08/01/12
0
1594036 E26/G02 F 59,400.00 ZZ
180 58,251.24 1
4227 BERGER AVENUE 8.750 593.68 90
8.500 593.68 66,000.00
BALTIMORE MD 21206 1 06/16/97 04
0430295196 02 08/01/97 25
41700255 N 07/01/12
0
1594047 229/G02 F 65,000.00 ZZ
180 63,828.78 1
1129 MILLERS CORNERS ROAD 7.875 616.50 31
7.625 616.50 210,000.00
DUANESBURG NY 12052 5 09/12/97 00
0430428284 05 11/01/97 0
7555964 O 10/01/12
0
1595740 001/G02 F 56,000.00 ZZ
180 55,001.92 3
304 CEDAR STREET 7.875 531.14 70
7.625 531.14 80,000.00
NEW BEDFORD MA 02740 5 07/29/97 00
0430340596 05 09/01/97 0
1516114 N 08/01/12
0
1595742 001/G02 F 63,700.00 ZZ
180 62,564.68 1
373 COTTAGE STREET 7.875 604.17 70
7.625 604.17 91,000.00
NEW BEDFORD MA 02740 5 07/29/97 00
0430342097 05 09/01/97 0
1516113 N 08/01/12
0
1597598 229/G02 F 19,250.00 ZZ
180 18,942.34 1
408 MORGAN CIR S 9.125 196.69 55
8.875 196.69 35,000.00
1
LEHIGH ACRES FL 33936 5 07/24/97 00
0430533505 05 09/01/97 0
7505118 N 08/01/12
0
1599550 074/G02 F 53,100.00 ZZ
180 52,117.18 1
900 MERIDIAN AVENUE 9.250 546.50 90
UNIT #107 9.000 546.50 59,000.00
MIAMI BEACH FL 33139 1 06/17/97 12
0430315119 01 08/01/97 25
1589109486 N 07/01/12
0
1601352 828/G02 F 311,250.00 ZZ
180 306,541.82 1
3445 BOXELDER PLACE 7.625 2,907.48 48
7.375 2,907.48 650,000.00
JACKSON WY 83001 1 08/15/97 00
0430348151 05 10/01/97 0
75010014 O 09/01/12
0
1602540 E53/G02 F 67,000.00 ZZ
175 66,799.04 1
16104 82ND ROAD NORTH 8.125 654.61 45
7.875 654.61 150,843.00
LOXAHATCHEE FL 33470 2 12/04/97 00
0430531574 05 02/01/98 0
0011502115 O 08/01/12
0
1603041 737/G02 F 145,500.00 ZZ
180 142,592.86 1
4616 23RD STREET 8.375 1,422.16 68
#20 8.125 1,422.16 215,000.00
GREELEY CO 80634 2 06/26/97 00
0430290163 03 08/01/97 0
573861 O 07/01/12
0
1603361 209/G02 F 66,400.00 T
180 65,151.38 1
29 SKIPWITH GREEN CIRCLE 7.250 606.15 80
7.000 606.15 83,000.00
RICHMOND VA 23294 1 07/31/97 00
0430339507 09 09/01/97 0
971732809 O 08/01/12
0
1
1603604 J33/G02 F 52,500.00 ZZ
180 51,632.95 1
422 KAY STREET 8.750 524.71 70
8.500 524.71 75,000.00
BATON ROUGE LA 70815 1 07/18/97 00
0430341784 05 09/01/97 0
UNKNOWN N 08/01/12
0
1605187 A46/G02 F 38,000.00 ZZ
180 37,367.91 1
8299 CAMBRIDGE 8.500 374.20 80
#1001 8.250 374.20 47,500.00
HOUSTON TX 77054 1 07/29/97 00
0430381889 01 09/01/97 0
86P1061 O 08/01/12
0
1606063 129/G02 F 54,000.00 ZZ
180 53,422.75 3
90-92 WEST STREET 9.000 547.70 90
8.750 547.70 60,000.00
WORCESTER MA 01605 1 09/09/97 14
0430486118 05 11/01/97 25
3500005412 N 10/01/12
0
1606126 375/G02 F 52,000.00 ZZ
180 50,434.84 1
2332 WEST MALLON AVE 7.875 493.20 65
7.625 493.20 80,000.00
SPOKANE WA 99201 5 03/25/97 00
0430309682 05 05/01/97 0
649379 N 04/01/12
0
1607544 354/354 F 248,500.00 ZZ
180 242,567.23 1
79 GRAVEY POND LANE 8.250 2,410.80 70
8.000 2,410.80 355,000.00
SOUTHERN SHORES NC 27949 2 06/04/97 00
24909434 03 07/01/97 0
24909434 O 06/01/12
0
1607578 354/354 F 208,800.00 ZZ
180 203,709.96 1
1
1417 PLYMOUTH DRIVE 8.125 2,010.50 79
7.875 2,010.50 265,000.00
BRENTWOOD TN 37027 1 05/29/97 00
25231242 05 07/01/97 0
25231242 O 06/01/12
0
1607579 354/354 F 83,475.00 ZZ
180 81,788.98 1
8601 OAKCROFT DRIVE 8.250 809.83 68
8.000 809.83 123,000.00
RICHMOND VA 23229 1 06/24/97 00
25245655 05 08/01/97 0
25245655 O 07/01/12
0
1607580 354/354 F 53,600.00 ZZ
180 52,540.56 1
126 SALEM AVENUE NW 8.500 527.83 79
8.250 527.83 68,000.00
PORT CHARLOTTE FL 33952 1 06/20/97 00
25267980 05 08/01/97 0
25267980 O 07/01/12
0
1607581 354/354 F 94,800.00 ZZ
180 92,885.23 1
ROUTE 2 BOX, 119E 8.250 919.70 20
8.000 919.70 495,000.00
LOCKHART TX 78644 1 06/18/97 00
25270661 05 08/01/97 0
25270661 O 07/01/12
0
1607898 G34/G02 F 32,400.00 ZZ
180 32,218.24 1
95 POINCIANA DRIVE 8.375 316.69 90
136 E 8.125 316.69 36,000.00
BROWNSVILLE TX 78521 1 11/11/97 14
0430564930 01 01/01/98 25
0000 O 12/01/12
0
1608708 286/286 F 129,200.00 ZZ
180 125,749.24 1
8902 CANBERRA DRIVE 8.875 1,300.85 85
8.625 1,300.85 152,000.00
CLINTON MD 20735 5 05/30/97 10
08639339 05 07/01/97 12
1
08639339 O 06/01/12
0
1610597 286/286 F 58,500.00 ZZ
180 57,546.56 1
406 STONELEDGE DRIVE 9.000 593.35 90
8.750 593.35 65,000.00
FRIENDSWOOD TX 77546 1 07/02/97 10
2710 05 09/01/97 25
2710 N 08/01/12
0
1611602 A35/G02 F 110,000.00 ZZ
180 108,687.43 1
24 WEST 4TH STREET 7.750 1,035.40 68
7.500 1,035.40 162,000.00
HUNTINGTON STAT NY 11746 5 09/11/97 00
0430431312 05 11/01/97 0
7384 O 10/01/12
0
1612293 883/G02 F 42,300.00 ZZ
180 41,583.74 1
3111 SE ASTER LANE #1708 8.250 410.37 90
8.000 410.37 47,000.00
STUART FL 34994 1 08/14/97 10
0430435107 01 10/01/97 25
05001650 N 09/01/12
0
1612350 180/G02 F 166,000.00 ZZ
180 163,569.25 1
6329 MARY TODD COURT 8.000 1,586.38 94
7.750 1,586.38 177,500.00
CENTREVILLE VA 20121 2 08/25/97 04
0430445189 09 10/01/97 30
4859484 O 09/01/12
0
1612825 131/G02 F 186,000.00 ZZ
180 183,335.06 1
7 LAKEVIEW DRIVE 8.250 1,804.46 80
8.000 1,804.46 232,500.00
LYNNFIELD MA 01940 1 08/19/97 00
0430490177 05 10/01/97 0
1098508 N 09/01/12
0
1
1614753 H51/G02 F 48,400.00 ZZ
180 47,809.82 2
11615 MORAN 7.500 448.67 80
7.250 448.67 60,500.00
HAMTRAMCK MI 48212 1 09/02/97 00
0430429415 05 11/01/97 0
TLUCZEK O 10/01/12
0
1614826 129/G02 F 54,500.00 T
180 53,877.45 1
28341 W MAPLE LANE 8.250 528.73 75
8.000 528.73 72,700.00
BRIMLEY MI 49715 5 09/12/97 00
0430538397 05 11/01/97 0
3500025071 O 10/01/12
0
1614832 129/G02 F 92,700.00 ZZ
180 88,190.56 3
41 MARLBORO STREET 8.750 926.49 90
8.500 926.49 103,000.00
CHELSEA MA 02150 1 09/02/97 04
0430571026 05 10/01/97 25
3500019926 N 09/01/12
0
1615057 638/G02 F 60,000.00 ZZ
180 59,681.69 2
86-88 QUAKER ROAD 9.000 608.56 80
8.750 608.56 75,000.00
HYANNIS MA 02601 1 11/10/97 00
0430506105 05 01/01/98 0
08661298 N 12/01/12
0
1615325 F25/G02 F 92,000.00 ZZ
180 90,971.97 4
202 MONTGOMERY STREET 8.500 905.96 80
8.250 905.96 115,000.00
NEWBURGH NY 12550 1 09/24/97 00
0430426254 05 11/01/97 0
S9707004 N 10/01/12
0
1615402 E26/G02 F 77,000.00 ZZ
180 75,769.56 1
42-44 BUTTONWOOD ROAD 9.125 786.73 70
8.875 786.73 110,000.00
1
VOORHEES NJ 08043 2 08/01/97 00
0430336081 05 09/01/97 0
62700281 N 08/01/12
0
1616115 225/225 F 152,000.00 ZZ
180 150,447.22 1
59 STEVEN LANE 7.875 1,441.65 80
7.625 1,441.65 190,000.00
LAKEWOOD NJ 08701 1 10/31/97 00
8059395 05 12/01/97 0
8059395 O 11/01/12
0
1617623 225/225 F 100,000.00 ZZ
180 99,717.35 2
451 ORCHARD STREET 8.250 970.15 50
8.000 970.15 200,000.00
PORT CHESTER NY 10573 5 12/18/97 00
805987700 05 02/01/98 0
805987700 O 01/01/13
0
1617972 G34/G02 F 60,000.00 T
180 59,504.45 1
2218 E 19TH STREET 8.625 595.25 80
8.375 595.25 75,000.00
MISSION TX 78575 1 10/14/97 00
0430473157 05 12/01/97 0
70885059 O 11/01/12
0
1618574 B75/G02 F 60,000.00 T
180 58,930.67 1
513 RANCH TRAIL UNIT #124 7.875 569.07 66
7.625 569.07 92,000.00
IRVING TX 75063 1 07/25/97 00
0430533729 01 09/01/97 0
7145006 O 08/01/12
0
1618887 992/G02 F 147,000.00 ZZ
180 145,283.70 1
12 RELLA DRIVE 8.000 1,404.81 67
7.750 1,404.81 222,000.00
NEW CITY NY 10956 5 09/24/97 00
0430424788 05 11/01/97 0
336623 O 10/01/12
0
1
1618967 A46/G02 F 38,700.00 ZZ
180 38,123.47 1
12633 MEMORIAL DRIVE #41 8.250 375.44 90
8.000 375.44 43,000.00
HOUSTON TX 77024 1 08/29/97 01
0430432013 01 10/01/97 25
0830023 O 09/01/12
0
1619017 664/G02 F 82,000.00 ZZ
180 80,786.15 1
1291 COLDSPRINGS ROAD 7.875 777.73 79
7.625 777.73 105,000.00
CAROL STREAM IL 60188 2 08/05/97 00
0430463190 01 10/01/97 0
2352359 O 09/01/12
0
1619328 225/225 F 68,000.00 ZZ
180 67,046.77 1
64 DELEMERE ROAD 8.500 669.63 73
8.250 669.63 94,000.00
AMHERST NY 14221 1 08/29/97 00
8058520 05 10/01/97 0
8058520 O 09/01/12
0
1620150 A33/G02 F 42,000.00 ZZ
180 41,645.36 1
1645 W BASELINE ROAD #2158 8.375 410.52 74
8.125 410.52 57,000.00
MESA AZ 85202 1 10/27/97 00
0430540690 01 12/01/97 0
0017041372 N 11/01/12
0
1620242 A50/A50 F 88,000.00 ZZ
180 86,972.57 1
ROUTE 4WILLIAMS BRIDGE ROAD 8.000 840.97 80
7.750 840.97 110,000.00
TOCCOA GA 30577 1 09/09/97 00
BC72873 05 11/01/97 0
BC72873 O 10/01/12
0
1620658 317/G02 F 299,000.00 ZZ
180 294,525.69 1
1
1036 ROCKPORT AVENUE 7.750 2,814.42 75
7.500 2,814.42 398,687.00
REDWOOD CITY CA 94065 1 08/25/97 00
0430439661 03 10/01/97 0
229187 O 09/01/12
0
1620795 811/G02 F 78,000.00 T
180 76,752.24 1
1994 MADEIRA DRIVE 8.375 762.39 74
8.125 762.39 106,355.00
WESTON FL 33327 1 09/30/97 00
0430435941 09 11/01/97 0
FM00106751 O 10/01/12
0
1620963 A22/G02 F 100,400.00 ZZ
180 99,265.67 1
8 MONTCLAIR STREET 8.375 981.34 80
8.125 981.34 125,500.00
PORT JEFFERSON NY 11776 2 09/22/97 00
0430425736 05 11/01/97 0
97221 O 10/01/12
0
1620971 076/076 F 60,000.00 ZZ
180 58,774.98 2
48 SARGENT ROAD 8.125 577.73 55
7.875 577.73 110,000.00
SANDOWN NH 03873 5 06/23/97 00
5847642 05 08/01/97 0
5847642 N 07/01/12
0
1621861 B68/G02 F 50,000.00 ZZ
180 49,435.11 1
229 NORTH WHITNALL HIGHWAY 8.375 488.71 29
8.125 488.71 175,000.00
BURBANK CA 91505 5 09/10/97 00
0430428268 05 11/01/97 0
87027259 O 10/01/12
0
1622417 144/144 F 64,000.00 ZZ
180 63,227.99 1
213 THIRD STREET 7.625 597.84 80
7.375 597.84 80,000.00
SHAWANGUNK NY 12589 1 09/29/97 00
160604736 05 11/01/97 0
1
160604736 N 10/01/12
0
1622620 497/497 F 225,400.00 ZZ
180 222,621.56 1
1915 VISTA CREEK DRIVE 7.375 2,073.51 70
7.125 2,073.51 322,000.00
ROSEVILLE CA 95661 5 09/05/97 00
9900218604 05 11/01/97 0
9900218604 O 10/01/12
0
1622675 225/225 F 65,000.00 ZZ
180 64,451.14 4
14 HULL STREET 8.375 635.33 17
8.125 635.33 390,000.00
BOSTON MA 02113 5 10/16/97 00
8057887 05 12/01/97 0
8057887 N 11/01/12
0
1622734 286/286 F 116,200.00 T
120 112,401.18 1
906 MONTANA AVE 9.000 1,471.98 70
8.750 1,471.98 166,210.00
DAVENPORT FL 33837 1 07/15/97 00
8645633 03 09/01/97 0
8645633 O 08/01/07
0
1622754 F64/G02 F 76,350.00 ZZ
180 75,712.39 1
1309 GRUMMAN DRIVE 8.500 751.85 65
8.250 751.85 117,500.00
RICHMOND VA 23229 5 10/21/97 00
0430474320 05 12/01/97 0
0217499 O 11/01/12
0
1622783 A46/G02 F 105,200.00 ZZ
180 104,251.72 1
6210 PECAN LANE 7.750 990.22 80
7.500 990.22 131,500.00
KATY TX 77493 1 10/20/97 00
0430474064 05 12/01/97 0
190136 O 11/01/12
0
1
1622784 A46/G02 F 78,000.00 ZZ
180 77,128.39 4
509 KENTUCKY SE 8.500 768.10 65
8.250 768.10 120,000.00
ALBUQUERQUE NM 87108 5 09/08/97 00
0430433912 05 11/01/97 0
820340 N 10/01/12
0
1622903 B75/G02 F 112,400.00 ZZ
180 111,116.08 1
14972 BOLLING DRIVE 8.250 1,090.44 80
8.000 1,090.44 140,600.00
DENVER CO 80239 1 09/12/97 00
0430427328 05 11/01/97 0
2996817 N 10/01/12
0
1622906 637/G02 F 63,600.00 ZZ
180 62,865.48 1
5180 ISLAND DATE STREET 8.125 612.40 80
7.875 612.40 79,500.00
SARASOTA FL 34232 1 10/02/97 00
0430462978 05 11/01/97 0
NG O 10/01/12
0
1623504 074/G02 F 122,500.00 T
180 120,131.05 1
15 PARTHENIA 8.750 1,224.32 70
8.500 1,224.32 175,000.00
IRVINE CA 92606 1 06/12/97 00
0430400580 03 08/01/97 0
1506265462 O 07/01/12
0
1623714 074/G02 F 68,950.00 ZZ
180 67,798.72 2
68 SOUTH STREET 8.625 684.04 70
8.375 684.04 98,500.00
PROCTOR VT 05765 1 08/01/97 00
0430413252 05 09/01/97 0
1580056992 N 08/01/12
0
1623907 074/G02 F 50,000.00 ZZ
180 47,906.33 1
32042 BONHILL DR 8.625 496.04 43
8.375 496.04 118,000.00
1
SALISBURY MD 21804 2 07/25/97 00
0430400622 09 09/01/97 0
1753006758 O 08/01/12
0
1624025 129/G02 F 30,150.00 ZZ
180 29,838.29 2
133-135 HIBISCUS AVENUE 9.375 312.57 90
9.125 312.57 33,500.00
SAVANNAH GA 31404 1 09/30/97 11
0430585232 05 11/01/97 25
3500032218 N 10/01/12
0
1624047 225/225 F 70,000.00 ZZ
180 64,497.59 2
3734 NORTH MAGNOLIA 8.500 689.32 15
8.250 689.32 495,000.00
CHICAGO IL 60613 5 09/12/97 00
8060325 05 11/01/97 0
8060325 O 10/01/12
0
1624066 H13/G02 F 27,000.00 ZZ
120 26,431.69 1
1607 GRANTWOOD AVE 8.875 340.20 50
8.625 340.20 54,000.00
CINCINNATI OH 45207 5 09/18/97 00
0430476945 05 11/01/97 0
10141220 N 10/01/07
0
1624198 B24/G02 F 100,000.00 ZZ
180 98,966.16 3
14 PARADISO STREET 9.375 1,036.70 50
9.125 1,036.70 200,000.00
NORWALK CT 06854 5 09/12/97 00
0430374207 05 11/01/97 0
041907255 N 10/01/12
0
1624270 G97/G02 F 78,000.00 ZZ
180 76,673.22 4
1837 RUDDIMAN DRIVE 8.250 756.71 80
7.875 756.71 97,500.00
NORTH MUSKEGON MI 49445 1 09/23/97 00
0430430652 05 11/01/97 0
UNKNOWN N 10/01/12
0
1
1624383 225/225 F 114,000.00 T
180 112,753.93 1
3000 GULF BOULEVARD #707 8.750 1,139.38 75
8.500 1,139.38 152,000.00
SOUTH PADRE ISL TX 78597 1 10/18/97 00
8059169 06 11/01/97 0
8059169 O 10/01/12
0
1624500 590/G02 F 39,000.00 ZZ
180 38,578.43 1
10525 SW 112TH AVENUE316 8.875 392.67 67
UNIT 316 8.625 392.67 59,000.00
MIAMI FL 33176 5 09/24/97 00
0430429282 01 11/01/97 0
1016547 N 10/01/12
0
1624519 H93/G02 F 53,000.00 ZZ
180 52,567.10 1
9350-54 E 55TH STREET 8.750 529.71 76
8.500 529.71 70,000.00
RAYTOWN MO 64138 2 10/10/97 00
0430507764 05 12/01/97 0
9736188 N 11/01/12
0
1624521 H93/G02 F 35,000.00 ZZ
180 34,810.11 1
7204 RAYTOWN ROAD 8.750 349.81 65
8.500 349.81 54,000.00
RAYTOWN MO 64138 2 12/05/97 00
0430539528 05 01/01/98 0
9736175 N 12/01/12
0
1624587 180/G02 F 50,400.00 ZZ
180 49,979.10 1
401 WEST 5TH STREET 8.500 496.31 90
8.250 496.31 56,000.00
JUSTIN TX 76247 1 10/07/97 10
0430522201 05 12/01/97 25
0004569810 N 11/01/12
0
1624953 661/661 F 90,000.00 ZZ
180 88,447.24 1
1
6019 10TH AVENUE WEST 8.250 873.13 78
8.000 873.13 116,000.00
BRADENTON FL 34209 5 07/17/97 00
2968048 05 09/01/97 0
2968048 O 08/01/12
0
1624959 891/G02 F 53,600.00 ZZ
176 53,600.00 1
2163 GRAND COUNTY ROAD 627 7.875 514.45 15
7.625 514.45 360,000.00
GRANBY CO 80446 4 01/06/98 00
0430591602 05 03/01/98 0
970722175 O 10/01/12
0
1625028 661/661 F 250,000.00 ZZ
180 244,614.65 1
769 JAGGER LANE 7.500 2,317.53 81
7.250 2,317.53 310,000.00
WESTHAMPTON NY 11977 1 06/30/97 23
2935112 05 08/01/97 0
2935112 O 07/01/12
0
1625145 758/G02 F 57,800.00 ZZ
180 57,132.48 1
1005 GARDENDALE DRIVE 8.125 556.55 80
7.875 556.55 72,250.00
HOUSTON TX 77018 1 09/29/97 00
0430428276 05 11/01/97 0
36127 O 10/01/12
0
1625150 638/G02 F 76,950.00 ZZ
180 76,108.91 3
234 WHITMAN STREET 8.750 769.08 90
8.500 769.08 85,500.00
NEW BEDFORD MA 02745 1 09/30/97 14
0430437889 05 11/01/97 25
08666332 N 10/01/12
0
1626036 B27/G02 F 95,000.00 ZZ
180 93,588.45 1
12 UPTON STREET 7.875 901.03 25
7.625 901.03 390,000.00
BOSTON MA 02118 5 08/29/97 00
0430390799 05 10/01/97 0
1
100208580 O 09/01/12
0
1626258 074/074 F 54,500.00 ZZ
180 53,237.93 1
RT.288 & S.E. CORNER OF RANGER 7.875 516.91 60
STATION ROAD 7.625 516.91 91,000.00
YOUNG AZ 85554 2 08/08/97 00
1500349130 27 10/01/97 0
1500349130 O 09/01/12
0
1626263 074/074 F 94,400.00 ZZ
180 92,535.45 1
190 GUILDWOOD STREET 7.375 868.41 79
7.125 868.41 120,000.00
SUN VALLEY NV 89433 5 08/12/97 00
1500364960 27 10/01/97 0
1500364960 O 09/01/12
0
1626287 074/074 F 38,400.00 ZZ
180 37,744.68 1
1172 NORTH COUNTY ROAD 315 8.375 375.33 80
8.125 375.33 48,000.00
MELROSE FL 32666 1 07/25/97 00
1511158450 27 09/01/97 0
1511158450 O 08/01/12
0
1626521 098/G02 F 27,000.00 ZZ
180 26,929.43 2
605 HAWLEY AVENUE 9.125 275.88 90
8.875 275.88 30,000.00
SYRACRUSE NY 13203 1 12/26/97 10
0430565242 05 02/01/98 25
9712119065 N 01/01/13
0
1626643 B75/G02 F 125,000.00 ZZ
180 123,088.66 1
8754 CENTER ROAD 7.500 1,158.77 54
7.250 1,158.77 235,000.00
SPRINGFIELD VA 22152 5 08/20/97 00
0430438762 05 10/01/97 0
2937530 O 09/01/12
0
1
1627534 E82/G02 F 55,000.00 ZZ
180 53,961.00 1
8306 KIMBALL DRIVE 7.500 509.86 60
7.250 509.86 92,000.00
EDEN PRAIRIE MN 55347 2 07/30/97 00
0400054409 05 09/01/97 0
400054409 N 08/01/12
0
1627600 638/G02 F 104,000.00 ZZ
180 102,825.01 2
584 SOUTH STREET 8.375 1,016.52 57
8.125 1,016.52 185,000.00
WRENTHAM MA 02093 5 09/12/97 00
0430443721 05 11/01/97 0
8663163 N 10/01/12
0
1627608 731/G02 F 108,000.00 ZZ
180 106,832.57 1
4060 LINDA DRIVE 8.875 1,087.39 90
8.625 1,087.39 120,110.00
OCEANSIDE CA 92056 1 09/18/97 04
0430434290 05 11/01/97 25
4107107779 N 10/01/12
0
1627796 225/225 F 203,200.00 ZZ
180 200,904.25 1
265 LAWTON AVENUE 8.375 1,986.13 80
8.125 1,986.13 254,000.00
CLIFFSIDE PARK NJ 07010 5 09/15/97 00
8063321 05 11/01/97 0
8063321 O 10/01/12
0
1627868 225/225 F 75,600.00 ZZ
180 74,563.66 1
15114 ROSE VALLEY DRIVE 8.750 755.59 90
8.500 755.59 84,000.00
HOUSTON TX 77070 1 09/16/97 04
806220000 03 11/01/97 25
806220000 N 10/01/12
0
1627886 098/G02 F 100,000.00 ZZ
180 98,857.69 1
100-20 BAKER COURT #20B 8.250 970.15 55
8.000 970.15 182,000.00
1
ISLAND PARK NY 11558 1 09/25/97 00
0430442475 01 11/01/97 0
975809709 O 10/01/12
0
1627984 G82/G82 F 431,800.00 ZZ
180 426,591.26 1
107 REGAL DRIVE 7.625 4,033.57 85
7.375 4,033.57 508,000.00
LAREDO TX 78041 2 09/25/97 04
2000747635 05 11/01/97 25
2000747635 O 10/01/12
0
1628130 313/G02 F 43,200.00 ZZ
180 42,717.25 1
423 LILY LANE 8.500 425.41 80
8.250 425.41 54,000.00
MC HENRY IL 60050 1 09/26/97 00
0430424994 05 11/01/97 0
6414718 O 10/01/12
0
1628166 B26/G02 F 45,000.00 ZZ
180 44,237.48 2
448 WESTERVELT AVE 8.750 449.75 90
8.500 449.75 50,000.00
STATEN ISLAND NY 10312 1 10/03/97 04
0430441642 05 12/01/97 25
1311012403 N 11/01/12
0
1628326 H34/G02 F 49,500.00 ZZ
180 48,913.46 1
1114 NW 8.500 487.45 90
G STREET 8.250 487.45 55,000.00
BENTONVILLE AR 72712 1 09/26/97 12
0430388041 05 11/01/97 25
226876 N 10/01/12
0
1628549 705/G02 F 56,700.00 ZZ
180 56,215.91 1
36 BROOKLYN AVENUE 8.250 550.07 90
8.000 550.07 63,000.00
WYANDANCH NY 11798 1 10/03/97 01
0430433599 05 12/01/97 30
97020077 N 11/01/12
0
1
1628566 A35/G02 F 191,000.00 ZZ
180 189,314.68 1
35 I U WILLETS ROAD 7.875 1,811.54 76
7.625 1,811.54 252,000.00
ALBERTSON NY 11507 5 10/07/97 00
0430446278 05 12/01/97 0
HV7467 O 11/01/12
0
1628591 375/G02 F 330,000.00 ZZ
180 323,477.65 1
19 COOT RD 8.500 3,249.65 67
8.250 3,249.65 495,000.00
LOCUST VALLEY NY 11560 1 06/09/97 00
0430425603 05 08/01/97 0
656124 O 07/01/12
0
1628915 H37/G02 F 97,800.00 ZZ
180 96,581.40 2
215-217 BRIGGS STREET 7.250 892.78 60
7.000 892.78 163,000.00
HARRISBURG PA 17102 5 09/19/97 00
0430428441 05 11/01/97 0
20262 N 10/01/12
0
1629016 828/G02 F 109,600.00 ZZ
180 109,303.77 4
1109 CIRCLE M DRIVE 8.750 1,095.40 80
8.500 1,095.40 137,000.00
KILLEEN TX 76542 1 12/19/97 00
0430566349 05 02/01/98 0
76280157 O 01/01/13
0
1629126 267/267 F 441,000.00 ZZ
180 429,006.71 1
203 COLUMBIA STREET 7.125 3,994.72 70
6.875 3,994.72 630,000.00
PASADENA CA 91105 1 08/27/97 00
4319663 05 10/01/97 0
4319663 O 09/01/12
0
1629211 F64/G02 F 137,200.00 ZZ
180 135,989.38 1
1
105 ZOA COURT 7.875 1,301.28 65
7.625 1,301.28 212,205.00
RALEIGH NC 27607 1 10/30/97 00
0430483693 05 12/01/97 0
1243 O 11/01/12
0
1629271 A38/G02 F 49,500.00 ZZ
180 48,928.33 1
218 ZEPHYR DRIVE 8.125 476.63 90
7.875 476.63 55,000.00
WINDCREST TX 78239 1 09/22/97 10
0430428425 05 11/01/97 25
8110766 N 10/01/12
0
1629307 313/G02 F 110,400.00 ZZ
180 109,053.72 1
970 PORTABELLA LANE 7.500 1,023.43 80
7.250 1,023.43 138,000.00
CHARLESTON SC 29412 1 09/24/97 00
0430427500 05 11/01/97 0
6317168 O 10/01/12
0
1629543 J86/G02 F 22,500.00 ZZ
180 22,320.27 1
15 O'NEILL AVENUE 9.000 228.21 90
8.750 228.21 25,000.00
WILKES BARR PA 18702 1 10/10/97 11
0430439349 05 12/01/97 20
PEASLP2916059PA N 11/01/12
0
1630081 225/225 F 27,000.00 ZZ
180 26,698.29 1
1741 MAIN ST. 8.500 265.88 90
8.250 265.88 30,000.00
OSAWATOMIE KS 66064 1 09/30/97 04
8065039 05 11/01/97 25
8065039 N 10/01/12
0
1630111 201/G02 F 103,000.00 ZZ
180 102,149.30 1
3566 KINGS HIGHWAY 8.625 1,021.85 59
8.375 1,021.85 176,000.00
OCEANSIDE NY 11572 5 10/03/97 00
0430446203 05 12/01/97 0
1
2400999377 N 11/01/12
0
1630248 375/G02 F 69,950.00 ZZ
180 68,294.58 1
6803 ASHLAND FOREST DRIVE 8.000 668.48 80
7.750 668.48 87,450.00
HOUSTON TX 77088 1 05/30/97 00
0430430165 03 07/01/97 0
654546 O 06/01/12
0
1630251 375/G02 F 60,000.00 ZZ
180 58,852.26 1
2660 N W 18TH TERRACE 8.875 604.11 40
8.625 604.11 150,000.00
MIAMI FL 33125 2 06/11/97 00
0430381582 05 08/01/97 0
659688 O 07/01/12
0
1630336 375/G02 F 42,800.00 ZZ
180 42,085.36 1
1935 WILSON LANE 8.625 424.61 70
8.375 424.61 62,000.00
MCLEAN VA 22102 1 07/03/97 00
0430381574 01 09/01/97 0
666593 O 08/01/12
0
1630373 F34/G02 F 100,950.00 ZZ
180 99,519.33 1
603 CYPRESS TREE COURT 8.375 986.72 80
8.125 986.72 126,500.00
ORLANDO FL 32825 1 08/29/97 00
0430446849 03 10/01/97 0
103203 O 09/01/12
0
1630412 E46/G02 F 62,000.00 ZZ
180 61,434.73 1
9 NAUGLE ROAD 7.500 574.75 80
7.250 574.75 78,000.00
SOUTH NEWTON TO PA 17257 5 10/03/97 04
0430448456 05 12/01/97 12
26105 O 11/01/12
0
1
1630498 623/623 F 280,000.00 ZZ
180 274,756.65 1
1575 E STREET 8.000 2,675.83 78
7.750 2,675.83 360,000.00
HAYWARD CA 94541 2 07/18/97 00
6233424 05 09/01/97 0
6233424 O 08/01/12
0
1630584 074/G02 F 90,000.00 ZZ
180 88,608.99 1
3 EVERGREEN DRIVE 7.375 827.93 43
7.125 827.93 210,000.00
VOORHEES NJ 08043 1 08/21/97 00
0430400648 05 10/01/97 0
1101215798 O 09/01/12
0
1630585 074/G02 F 100,000.00 ZZ
180 98,236.94 1
15 CHESTNUT WAY 8.000 955.65 75
7.750 955.65 135,000.00
MANALAPAN NJ 07726 2 07/30/97 00
0430413260 01 09/01/97 0
1101217760 O 08/01/12
0
1630586 074/G02 F 55,000.00 ZZ
180 54,140.79 1
3630 TOPAZ DR 7.250 502.07 58
7.000 502.07 95,000.00
CLAYMONT DE 19703 1 08/25/97 00
0430413278 05 10/01/97 0
1181081273 O 09/01/12
0
1630588 074/G02 F 60,000.00 ZZ
180 58,976.02 2
12855 12855 1/2 12859 KAMLOOPS 8.375 586.46 42
STREET 8.125 586.46 145,000.00
PACOIMA CA 91331 5 07/16/97 00
0430413294 05 09/01/97 0
1246021264 N 08/01/12
0
1630589 074/G02 F 43,800.00 ZZ
180 43,192.74 1
1106 IOLA AVENUE 8.625 434.53 80
8.375 434.53 54,750.00
1
LUBBOCK TX 79416 1 08/12/97 01
0430413302 05 10/01/97 12
1512141125 N 09/01/12
0
1630591 074/G02 F 42,300.00 ZZ
180 41,551.96 1
2014 ROBERTS DRIVE 8.000 404.24 90
7.750 404.24 47,000.00
GRANBURY TX 76048 1 08/19/97 01
0430413328 05 09/01/97 25
1512144189 N 08/01/12
0
1630592 074/G02 F 70,000.00 ZZ
180 68,929.66 1
719 SCOTTSDALE DRIVE 7.500 648.91 75
7.250 648.91 94,000.00
RICHARDSON TX 75080 1 08/26/97 00
0430413336 05 10/01/97 0
1524013315 O 09/01/12
0
1630593 074/G02 F 90,600.00 ZZ
180 89,330.04 1
572 EAST OAKLEAF DRIVE 8.500 892.17 60
8.250 892.17 151,000.00
NORTH SALT LAKE UT 84054 1 08/15/97 00
0430413344 05 10/01/97 0
1552007263 N 09/01/12
0
1630596 074/G02 F 26,100.00 ZZ
180 25,717.17 1
4843 LEE AVE 8.375 255.11 90
8.125 255.11 29,000.00
ST LOUIS MO 63115 1 08/21/97 11
0430413369 05 10/01/97 25
1632027907 N 09/01/12
0
1630597 074/G02 F 100,000.00 ZZ
180 98,159.38 1
21615 EDISON CIRCLE NW 7.500 927.01 50
7.250 927.01 200,000.00
ELK RIVER MN 55330 1 07/23/97 00
0430413377 05 09/01/97 0
1664092443 O 08/01/12
0
1
1630598 074/G02 F 130,000.00 ZZ
180 127,060.13 1
10 CHAPEL WAY 8.375 1,270.65 67
8.125 1,270.65 195,000.00
WOBURN MA 01801 1 07/25/97 00
0430400705 05 09/01/97 0
1816007491 O 08/01/12
0
1631218 225/225 F 56,000.00 ZZ
180 55,324.44 1
2013 MESABI AVENUE 7.625 523.12 59
7.375 523.12 96,000.00
MAPLEWOOD MN 55109 1 09/29/97 00
8065193 09 11/01/97 0
8065193 O 10/01/12
0
1631555 375/G02 F 78,000.00 ZZ
180 76,369.43 1
3252 MONROE AVENUE NE 8.125 751.05 65
7.875 751.05 120,000.00
SALEM OR 97302 5 06/16/97 00
0430382820 05 08/01/97 0
659732 N 07/01/12
0
1631559 375/G02 F 71,500.00 ZZ
180 70,005.24 1
4556 14TH COURT 8.125 688.47 65
7.875 688.47 110,000.00
SALEM OR 97302 5 06/16/97 00
0430382366 05 08/01/97 0
659765 N 07/01/12
0
1631709 637/G02 F 35,600.00 T
180 35,299.37 1
12123 WEST BELL ROAD #255 8.375 347.97 80
8.125 347.97 44,500.00
SURPRISE AZ 85374 1 10/06/97 00
0430528349 01 12/01/97 0
9802521 O 11/01/12
0
1631729 201/G02 F 110,700.00 ZZ
180 109,785.71 1
1
73 EAST 3RD STREET 8.625 1,098.24 90
8.375 1,098.24 123,000.00
HUNTINGTON STAT NY 11746 1 10/24/97 01
0430486456 05 12/01/97 25
2409019185 N 11/01/12
0
1631730 687/G02 F 42,300.00 ZZ
180 41,958.32 3
713 EVERGREEN AVE 8.875 425.90 90
8.625 425.90 47,000.00
PITTSBURGH PA 15209 1 10/03/97 01
0430435032 05 12/01/97 25
613807 N 11/01/12
0
1631733 229/G02 F 127,000.00 ZZ
180 125,123.45 4
509-15 NE NEWPORT DRIVE 8.875 1,278.70 56
8.625 1,278.70 230,000.00
LEE'S SUMMIT MO 64064 2 10/02/97 00
0430465872 05 11/01/97 0
0007638521 N 10/01/12
0
1631739 229/G02 F 127,000.00 ZZ
180 125,123.45 4
3516-22 NE INDEPENDENCE 8.875 1,278.70 56
8.625 1,278.70 230,000.00
LEES SUMMIT MO 64064 2 10/02/97 00
0430477299 05 11/01/97 0
0007638513 N 10/01/12
0
1631771 B24/G02 F 49,350.00 ZZ
180 48,619.47 1
29 REVERE DRIVE 7.875 468.06 70
UNIT #2 7.625 468.06 70,500.00
STAMFORD CT 06902 1 08/14/97 00
0430442525 01 10/01/97 0
1580060435 N 09/01/12
0
1631785 286/286 F 45,900.00 ZZ
180 45,403.81 4
105 WEST 24TH STREET 8.875 462.15 90
8.625 462.15 51,000.00
CHESTER PA 19013 1 10/01/97 10
0008699064 05 11/01/97 25
1
0008699064 N 10/01/12
0
1632311 882/G02 F 75,375.00 ZZ
180 74,724.35 1
12323 SW 146 STREET 8.125 725.77 75
7.875 725.77 100,500.00
MIAMI FL 33186 2 10/27/97 00
0430559344 05 12/01/97 0
975242 O 11/01/12
0
1632314 B75/G02 F 110,000.00 ZZ
180 108,743.51 1
4794 EUGENE WAY 8.250 1,067.15 80
8.000 1,067.15 137,600.00
DENVER CO 80239 1 10/03/97 00
0430434746 05 11/01/97 0
2996999 N 10/01/12
0
1632320 B75/G02 F 110,850.00 ZZ
180 109,583.79 1
4834 EUGENE WAY 8.250 1,075.40 80
8.000 1,075.40 138,600.00
DENVER CO 80239 1 10/03/97 00
0430436535 05 11/01/97 0
7087968 N 10/01/12
0
1632330 E48/E48 F 42,750.00 ZZ
180 42,277.19 1
3600 HILLSBORO PIKE 7.750 402.40 90
7.500 402.40 47,500.00
NASHVILLE TN 37215 1 10/03/97 01
R9710016 01 12/01/97 25
19079M O 11/01/12
0
1632417 687/G02 F 22,050.00 ZZ
180 21,803.59 1
1100 EAST BAY DR 8.500 217.14 90
C26 8.250 217.14 24,500.00
LARGO FL 33770 1 09/26/97 10
0430478958 05 11/01/97 25
1623826 N 10/01/12
0
1
1632657 514/G02 F 103,500.00 ZZ
180 102,304.73 1
817 EUCLID STREET 8.125 996.58 90
7.875 996.58 115,000.00
HOUSTON TX 77009 1 09/29/97 04
0430433482 05 11/01/97 25
17750 N 10/01/12
0
1633020 144/144 F 45,000.00 ZZ
180 44,594.16 1
118 FRONT STREET 7.625 420.36 60
7.375 420.36 75,000.00
PORT JERVIS NY 12771 5 10/24/97 00
1606058605 05 12/01/97 0
1606058605 N 11/01/12
0
1633193 907/G02 F 65,000.00 ZZ
180 64,273.67 1
598 FAWN DRIVE 8.500 640.08 47
8.250 640.08 140,000.00
TOMS RIVER NJ 08753 5 09/25/97 00
0430473223 05 11/01/97 0
0000 O 10/01/12
0
1633198 F64/G02 F 154,400.00 ZZ
180 153,096.24 1
5304 N W 54TH STREET 8.375 1,509.15 80
8.125 1,509.15 193,000.00
COCONUT CREEK FL 33073 2 10/02/97 00
0430434332 05 12/01/97 0
225369 O 11/01/12
0
1633220 964/G02 F 140,000.00 ZZ
180 138,329.42 1
1320 LAKESIDE LANE 7.750 1,317.79 63
7.500 1,317.79 225,000.00
HUNTINGTON BEAC CA 92648 5 09/04/97 00
0430430363 05 11/01/97 0
27585 O 10/01/12
0
1633595 450/450 F 134,400.00 ZZ
180 132,798.24 1
11127 ERDMANN ST 8.250 1,303.87 80
8.000 1,303.87 168,000.00
1
STERLING HEIGHT MI 48314 5 09/12/97 00
3983491 05 11/01/97 0
3983491 O 10/01/12
0
1633610 907/G02 F 119,000.00 ZZ
180 117,949.98 1
7072 COPENHAGEN SQUARE 7.875 1,128.66 85
7.625 1,128.66 140,000.00
BETHLEHEM PA 18017 5 10/03/97 10
0430443119 05 12/01/97 12
NG O 11/01/12
0
1633856 131/G02 F 50,000.00 ZZ
180 49,558.81 1
21845 LOCKSLEY LANE 7.875 474.23 34
7.625 474.23 148,790.00
BROOKFIELD WI 53045 5 10/03/97 00
0430462812 05 12/01/97 0
1107454 O 11/01/12
0
1633858 131/G02 F 130,000.00 ZZ
180 128,914.33 1
2050 SOUTH SPRINGDALE ROAD 8.500 1,280.17 66
8.250 1,280.17 198,568.00
NEW BERLIN WI 53146 1 10/08/97 00
0430474106 05 12/01/97 0
1107452 N 11/01/12
0
1633930 E46/G02 F 202,400.00 ZZ
180 200,594.47 1
1036 GIFFORD COURT 7.750 1,905.14 80
7.500 1,905.14 253,000.00
UNION NJ 07083 1 10/07/97 00
0430476879 05 12/01/97 0
26462 O 11/01/12
0
1633942 225/225 F 120,000.00 ZZ
180 118,941.16 1
8023 NARRGANSETT 7.875 1,138.14 80
7.625 1,138.14 150,000.00
BURBANK IL 60459 5 10/23/97 00
8064580 05 12/01/97 0
8064580 N 11/01/12
0
1
1633952 225/225 F 30,000.00 ZZ
180 27,225.68 1
8521 SOUTH LARAMIE 8.375 293.33 28
8.125 293.33 109,000.00
BURBANK IL 60459 2 10/23/97 00
8064585 05 12/01/97 0
8064585 N 11/01/12
0
1633976 076/076 F 50,000.00 ZZ
180 49,014.70 1
15 HEREFORD STREET 8.125 481.45 50
7.875 481.45 100,000.00
PROVIDENCE RI 02908 5 07/10/97 00
5860882 05 09/01/97 0
5860882 O 08/01/12
0
1633978 076/076 F 116,800.00 ZZ
180 114,078.54 1
7759 N NORDICA AVE 8.500 1,150.18 80
#D 8.250 1,150.18 146,000.00
NILES IL 60714 1 06/19/97 00
7093453 07 08/01/97 0
7093453 O 07/01/12
0
1633979 076/076 F 80,000.00 ZZ
180 78,562.01 1
200 NORTH STREET 8.625 793.67 31
8.375 793.67 260,000.00
UPTON MA 01568 2 08/01/97 00
7098795 05 09/01/97 0
7098795 O 08/01/12
0
1633981 076/076 F 51,600.00 ZZ
180 50,757.05 2
4954 SUTHERLAND 8.875 519.54 84
8.625 519.54 61,500.00
ST. LOUIS MO 63109 1 07/17/97 01
7101233 05 09/01/97 20
7101233 N 08/01/12
0
1633982 076/076 F 177,600.00 ZZ
180 174,855.02 1
1
21600 SE COOP ROAD 7.375 1,633.79 67
7.125 1,633.79 267,000.00
EAGLE CREEK OR 97022 1 08/14/97 00
7103164 05 10/01/97 0
7103164 O 09/01/12
0
1633983 076/076 F 168,000.00 ZZ
180 164,895.74 1
2080 NE 54TH CT 8.375 1,642.08 80
8.125 1,642.08 210,000.00
FORT LAUDERDALE FL 33308 2 08/08/97 00
7103591 05 10/01/97 0
7103591 O 09/01/12
0
1633984 076/076 F 261,600.00 ZZ
180 256,949.35 1
8239 SANDY STREAM RD 7.375 2,406.52 80
7.125 2,406.52 327,000.00
LAUREL MD 20723 2 08/08/97 00
7105206 05 10/01/97 0
7105206 O 09/01/12
0
1633985 076/076 F 66,350.00 ZZ
180 65,367.80 1
131 WEST GOLDEN ARROW CIRCLE 7.875 629.30 60
7.625 629.30 111,500.00
THE WOODLANDS TX 77381 2 08/15/97 00
7108094 03 10/01/97 0
7108094 O 09/01/12
0
1633986 076/076 F 105,500.00 ZZ
180 103,106.58 1
33 BURLINGTON ROAD 8.750 1,054.42 68
8.500 1,054.42 156,000.00
FARMINGTON CT 06085 2 06/23/97 00
8422502 05 08/01/97 0
8422502 O 07/01/12
0
1633987 076/076 F 51,400.00 ZZ
180 50,663.58 1
414 COTTONWOOD DRIVE 8.250 498.65 79
8.000 498.65 65,500.00
COPPERAS COVE TX 76522 2 08/06/97 10
8430682 05 10/01/97 17
1
8430682 N 09/01/12
0
1633988 076/076 F 300,000.00 ZZ
180 294,952.65 1
14127 LOFTY MOUNTAIN TRAIL 8.000 2,866.96 75
7.750 2,866.96 400,000.00
HOUSTON TX 77062 1 08/07/97 00
8480252 03 10/01/97 0
8480252 O 09/01/12
0
1633989 076/076 F 35,000.00 ZZ
180 34,043.15 1
6416 38TH STREET 9.000 355.00 69
8.750 355.00 51,000.00
LUBBOCK TX 79407 2 07/25/97 00
8510362 05 09/01/97 0
8510362 N 08/01/12
0
1633990 076/076 F 80,000.00 ZZ
180 78,853.80 1
340 E ACACIA ROAD 8.250 776.11 38
8.000 776.11 213,000.00
FOX POINT WI 53217 2 08/07/97 00
8590452 05 10/01/97 0
8590452 O 09/01/12
0
1633991 076/076 F 22,500.00 T
180 22,124.30 1
506 W AVENUE A 8.625 223.22 90
8.375 223.22 25,000.00
LAMPASAS TX 76550 1 07/30/97 10
8597832 05 09/01/97 25
8597832 O 08/01/12
0
1633992 076/076 F 48,825.00 ZZ
180 48,018.63 1
1105 JUNEAU AVENUE 8.750 487.98 70
8.500 487.98 69,750.00
LUBBOCK TX 79416 1 07/22/97 00
8620372 05 09/01/97 0
8620372 N 08/01/12
0
1
1633994 076/076 F 39,550.00 ZZ
180 38,896.83 1
388 11TH STREET 8.750 395.28 70
8.500 395.28 56,500.00
MEEKER CO 81641 5 07/24/97 00
8646132 05 09/01/97 0
8646132 N 08/01/12
0
1633995 076/076 F 44,800.00 ZZ
180 43,992.92 1
2456 ST JOHN PLACE 7.750 421.69 70
7.500 421.69 64,000.00
DONALDSONVILLE LA 70346 2 07/28/97 00
8663612 05 09/01/97 0
8663612 O 08/01/12
0
1633996 076/076 F 82,400.00 ZZ
180 81,244.93 1
9323 CAMPBELL ROAD 8.500 811.43 80
8.250 811.43 103,000.00
HOUSTON TX 77080 1 08/25/97 00
8718752 05 10/01/97 0
8718752 O 09/01/12
0
1634023 638/G02 F 90,000.00 ZZ
180 89,214.52 1
212 FAIRWAY 8.000 860.09 70
7.750 860.09 130,000.00
CARL JUNCTION MO 64834 2 10/03/97 00
0430449652 05 12/01/97 0
08673033 O 11/01/12
0
1634031 A52/G02 F 129,600.00 ZZ
180 128,431.21 1
3004 FIELDSTREAM WAY 7.625 1,210.63 80
7.375 1,210.63 162,000.00
WOODSTOCK GA 30189 5 09/30/97 00
0430394809 03 12/01/97 0
228478 O 11/01/12
0
1634073 070/070 F 27,500.00 ZZ
180 27,206.03 1
7790 ONEIDA STREET 9.000 278.92 40
8.750 278.92 69,000.00
1
COMMERCE CITY CO 80022 5 09/03/97 00
1234527 05 11/01/97 0
1234527 N 10/01/12
0
1634081 070/070 F 120,000.00 ZZ
180 97,990.07 1
113 WASHINGTON 8.125 1,155.46 69
7.875 1,155.46 175,000.00
GLENVIEW IL 60025 1 08/29/97 00
1284374 05 10/01/97 0
1284374 O 09/01/12
0
1634094 070/070 F 88,500.00 ZZ
180 87,218.11 1
9505 MEADOW ROAD SW 8.125 852.15 80
7.875 852.15 110,666.00
LAKEWOOD WA 98499 1 08/28/97 00
1321890 05 10/01/97 0
1321890 N 09/01/12
0
1634132 070/070 F 166,550.00 ZZ
180 164,084.57 1
9161 DUARTE ROAD 7.875 1,579.64 80
7.625 1,579.64 208,200.00
SAN GABRIEL CA 91775 1 08/26/97 00
1660078 05 10/01/97 0
1660078 O 09/01/12
0
1634163 070/070 F 94,000.00 ZZ
180 92,878.32 1
717 EAST 74TH STREET 7.750 884.80 57
7.500 884.80 165,000.00
LOS ANGELES CA 90001 5 09/08/97 00
4522917 05 11/01/97 0
4522917 N 10/01/12
0
1634175 070/070 F 75,000.00 ZZ
180 73,901.76 2
7 BURWELL ST 8.000 716.74 46
7.750 716.74 165,000.00
NORWALK CT 06854 5 08/25/97 00
9037594 05 10/01/97 0
9037594 O 09/01/12
0
1
1634180 070/070 F 38,700.00 ZZ
180 37,694.84 1
5039 NORTH HALL STREET 8.125 372.64 90
7.875 372.64 43,000.00
DALLAS TX 75235 1 08/22/97 10
9493051 01 10/01/97 20
9493051 O 09/01/12
0
1634201 070/070 F 91,500.00 ZZ
180 89,234.41 1
5 RIVER ROAD 8.250 887.68 46
8.000 887.68 200,000.00
NORTH PROVIDENC RI 02904 5 08/27/97 00
1134593 05 10/01/97 0
1134593 O 09/01/12
0
1634202 070/070 F 57,500.00 ZZ
180 56,076.28 1
10 WYNDHAM AVENUE 8.250 557.83 50
8.000 557.83 115,000.00
PROVIDENCE RI 02908 5 08/27/97 00
1134603 05 10/01/97 0
1134603 O 09/01/12
0
1634203 070/070 F 400,000.00 ZZ
180 395,152.39 1
3152 MONTECITO MEADOW DRIVE 8.000 3,822.61 80
7.750 3,822.61 500,000.00
SANTA ROSA CA 95404 2 09/02/97 00
1162887 05 11/01/97 0
1162887 O 10/01/12
0
1634204 070/070 F 157,000.00 ZZ
180 154,599.37 1
4920 COSHATT DRIVE 7.500 1,455.41 80
7.250 1,455.41 197,000.00
BIRMINGHAM AL 35244 1 08/08/97 00
1183119 05 10/01/97 0
1183119 O 09/01/12
0
1634205 070/070 F 214,000.00 ZZ
180 210,727.81 1
1
1514 SOUTH PROCTOR COURT 7.500 1,983.81 64
7.250 1,983.81 335,000.00
SUPERIOR CO 80027 5 08/20/97 00
1233591 05 10/01/97 0
1233591 O 09/01/12
0
1634206 070/070 F 200,000.00 ZZ
180 196,941.91 1
5331 MONTANO PLAZA DRIVE NW 7.500 1,854.02 80
7.250 1,854.02 250,000.00
ALBUQUERQUE NM 87120 1 08/26/97 00
1235045 05 10/01/97 0
1235045 O 09/01/12
0
1634207 070/070 F 177,500.00 ZZ
180 174,872.45 1
6 HARROGATE TERRACE 7.875 1,683.50 71
7.625 1,683.50 250,000.00
PUEBLO CO 81001 2 08/22/97 00
1259476 05 10/01/97 0
1259476 O 09/01/12
0
1634208 070/070 F 308,000.00 ZZ
180 303,340.98 1
220 SOUTH ASHTON AVENUE 7.625 2,877.12 65
7.375 2,877.12 478,000.00
MILLBRAE CA 94030 2 08/07/97 00
1276570 05 10/01/97 0
1276570 O 09/01/12
0
1634209 070/070 F 125,000.00 ZZ
180 123,209.03 1
11202 RYANDALE DRIVE 8.250 1,212.68 57
8.000 1,212.68 220,000.00
CULVER CITY CA 90230 1 08/11/97 00
1310919 05 10/01/97 0
1310919 O 09/01/12
0
1634210 070/070 F 73,500.00 ZZ
180 71,847.13 1
3323 S. KRISTINA PARK LOOP 8.000 702.40 70
7.750 702.40 105,000.00
TUCSON AZ 85730 1 08/22/97 00
1318440 03 10/01/97 0
1
1318440 O 09/01/12
0
1634211 070/070 F 300,000.00 ZZ
180 295,540.20 1
73 VIA LA BRISA 7.875 2,845.35 30
7.625 2,845.35 1,025,000.00
LARKSPUR CA 94939 5 08/28/97 00
1401205 05 10/01/97 0
1401205 O 09/01/12
0
1634212 070/070 F 50,000.00 ZZ
180 48,576.62 1
9252 ORIZABA AVENUE 7.500 463.51 22
7.250 463.51 237,000.00
CITY OF DOWNEY CA 90240 2 08/22/97 00
1407844 05 10/01/97 0
1407844 O 09/01/12
0
1634213 070/070 F 200,000.00 ZZ
180 196,941.91 1
7705 WINDCHIME WAY 7.500 1,854.02 80
7.250 1,854.02 250,000.00
FAIR OAKS RANCH TX 78015 1 09/03/97 00
1531358 05 10/01/97 0
1531358 O 09/01/12
0
1634214 070/070 F 90,750.00 ZZ
180 89,667.10 1
4940 COUNTRY VIEW LANE 7.750 854.21 75
7.500 854.21 121,000.00
FAIR OAKS CA 95628 1 09/05/97 00
1550554 09 11/01/97 0
1550554 O 10/01/12
0
1634215 070/070 F 127,500.00 ZZ
180 125,109.35 1
817 CEDAR CREST DRIVE 7.875 1,209.27 75
7.625 1,209.27 170,000.00
NASHVILLE TN 37209 1 08/26/97 00
1560865 05 10/01/97 0
1560865 O 09/01/12
0
1
1634216 070/070 F 114,500.00 ZZ
180 113,118.79 1
2011 TANGLEWOOD DRIVE N.E. 7.625 1,069.58 51
7.375 1,069.58 226,000.00
ST. PETERSBERG FL 33702 2 09/09/97 00
1596655 05 11/01/97 0
1596655 O 10/01/12
0
1634217 070/070 F 125,600.00 ZZ
180 123,720.52 1
1505 MISTY PLATEAU TRAIL 7.750 1,182.24 80
7.500 1,182.24 157,000.00
CLEARWATER FL 33765 1 08/29/97 00
1597220 05 10/01/97 0
1597220 O 09/01/12
0
1634218 070/070 F 18,000.00 ZZ
180 17,785.21 1
7600 BURGOYNE ROAD UNIT 241 7.750 169.43 75
7.500 169.43 24,000.00
HOUSTON TX 77063 1 09/12/97 00
1654962 01 11/01/97 0
1654962 O 10/01/12
0
1634221 070/070 F 164,250.00 ZZ
180 162,311.26 1
73 OAKWOOD AVENUE 7.875 1,557.83 75
7.625 1,557.83 219,000.00
MONTCLAIR NJ 07043 1 09/15/97 00
1797091 05 11/01/97 0
1797091 O 10/01/12
0
1634222 070/070 F 62,500.00 ZZ
180 61,544.36 1
1145 PEACH TREE LANE 7.500 579.38 50
7.250 579.38 125,000.00
WARRINGTON PA 18976 1 08/06/97 00
5756724 01 10/01/97 0
5756724 O 09/01/12
0
1634223 070/070 F 74,800.00 ZZ
180 73,668.52 1
2840 BLUE SPRUCE COURT 7.625 698.73 80
7.375 698.73 93,500.00
1
LANTANA FL 33462 1 08/15/97 00
8382124 03 10/01/97 0
8382124 O 09/01/12
0
1634224 070/070 F 20,500.00 ZZ
180 20,153.91 1
8070 SUZANNE 8.500 201.87 41
8.250 201.87 50,000.00
DETROIT MI 48234 2 07/29/97 00
8619814 05 09/01/97 0
8619814 O 08/01/12
0
1634225 070/070 F 75,000.00 ZZ
180 73,441.54 1
11130 BURLAND DRIVE 7.500 695.26 40
7.250 695.26 192,000.00
GOLDEN CO 80403 5 07/23/97 00
8759698 05 09/01/97 0
8759698 O 08/01/12
0
1634226 070/070 F 98,000.00 ZZ
180 96,533.51 1
7575 NORTH COUNTY ROAD 27 7.750 922.45 44
7.500 922.45 225,000.00
LOVELAND CO 80538 5 09/02/97 00
8761536 05 10/01/97 0
8761536 O 09/01/12
0
1634227 070/070 F 228,000.00 ZZ
180 224,624.90 1
217-36 77TH AVENUE 7.875 2,162.47 75
7.625 2,162.47 305,000.00
BAYSIDE NY 11364 1 08/15/97 00
8853372 05 10/01/97 0
8853372 O 09/01/12
0
1634230 070/070 F 225,000.00 ZZ
180 220,769.17 1
10626 LAKECOVE WAY 7.250 2,053.94 67
7.000 2,053.94 337,800.00
KNOXVILLE TN 37922 1 07/25/97 00
9177807 05 09/01/97 0
9177807 O 08/01/12
0
1
1634231 070/070 F 31,900.00 ZZ
180 30,635.65 1
431 DOLLINS STREET 8.000 304.85 80
7.750 304.85 39,900.00
CEDAR HILL TX 75104 1 07/21/97 00
9335397 07 09/01/97 0
9335397 O 08/01/12
0
1634232 070/070 F 161,875.00 ZZ
180 159,373.07 1
18932 FORTSON AVENUE 7.375 1,489.13 70
7.125 1,489.13 231,250.00
DALLAS TX 75252 1 08/18/97 00
9338877 05 10/01/97 0
9338877 O 09/01/12
0
1634233 070/070 F 150,000.00 ZZ
180 147,755.40 1
531 PIONEER WAY 7.750 1,411.91 75
7.500 1,411.91 202,500.00
TAHOE CITY CA 96145 1 08/01/97 00
9374173 05 10/01/97 0
9374173 O 09/01/12
0
1634234 070/070 F 318,300.00 ZZ
180 313,588.18 1
20486 NORTH MEADOW LANE 7.875 3,018.92 57
7.625 3,018.92 565,000.00
BARRINGTON IL 60010 2 08/25/97 00
9453259 05 10/01/97 0
9453259 O 09/01/12
0
1634239 070/070 F 399,000.00 ZZ
180 391,576.96 1
201 VANDERPOOL LANE #42 7.375 3,670.49 76
7.125 3,670.49 525,000.00
HOUSTON TX 77024 2 07/23/97 00
9779452 03 09/01/97 0
9779452 O 08/01/12
0
1634240 070/070 F 107,000.00 ZZ
180 105,043.34 1
1
316 PHEASANT RUN ROAD 8.125 1,030.28 71
7.875 1,030.28 152,000.00
PONTE VEDRA BEA FL 32082 2 08/08/97 00
9811666 05 10/01/97 0
9811666 O 09/01/12
0
1634241 070/070 F 90,000.00 ZZ
180 87,075.84 1
137 SALEM ROAD 7.500 834.31 56
7.250 834.31 161,000.00
NORTH BRUNSWICK NJ 08902 2 07/22/97 00
9829409 01 09/01/97 0
9829409 O 08/01/12
0
1634243 070/070 F 251,000.00 ZZ
180 247,203.19 1
19 EVERGREEN PLACE 7.625 2,344.67 72
7.375 2,344.67 351,000.00
DEMAREST NJ 07627 1 08/27/97 00
9832137 05 10/01/97 0
9832137 O 09/01/12
0
1634245 070/070 F 175,000.00 ZZ
180 172,866.02 1
11841 S.W. 45TH STREET 7.500 1,622.27 53
7.250 1,622.27 335,000.00
MIAMI FL 33175 1 09/12/97 00
9880339 05 11/01/97 0
9880339 O 10/01/12
0
1634246 070/070 F 215,600.00 ZZ
180 211,631.61 1
822 SOUTHWEST 355TH COURT 7.500 1,998.64 80
7.250 1,998.64 269,500.00
FEDERAL WAY WA 98023 1 07/24/97 00
9900829 03 09/01/97 0
9900829 O 08/01/12
0
1634247 070/070 F 213,750.00 T
180 210,243.70 1
3816 GULF BLVD. #302 7.750 2,011.98 75
7.500 2,011.98 285,000.00
SOUTH PADRE ISL TX 78579 1 08/15/97 00
9952424 08 10/01/97 0
1
9952424 O 09/01/12
0
1634248 070/070 F 52,000.00 ZZ
180 51,042.86 1
628 SOUTH LARIAT DRIVE 7.500 482.05 39
7.250 482.05 135,000.00
MUSTANG OK 73064 1 08/07/97 00
9983510 05 09/01/97 0
9983510 O 08/01/12
0
1634253 A60/G02 F 88,000.00 T
180 87,256.92 1
70 SMITH STREET 8.375 860.14 75
8.125 860.14 118,000.00
EAST MORICHES NY 11940 1 10/08/97 00
0430441451 05 12/01/97 0
5952 O 11/01/12
0
1634356 F03/G02 F 156,000.00 ZZ
180 154,596.14 1
21558 EAST GEDDES PLACE 8.375 1,524.79 65
8.125 1,524.79 240,000.00
AURORA CO 80016 5 10/06/97 00
0430442053 05 12/01/97 0
DEN11478 O 11/01/12
0
1634423 A91/G02 F 105,000.00 ZZ
180 103,800.60 1
42-67 65TH PLACE 8.250 1,018.65 52
8.000 1,018.65 205,000.00
WOODSIDE NY 11377 1 09/19/97 00
0430473314 05 11/01/97 0
0000 O 10/01/12
0
1634507 387/387 F 204,000.00 ZZ
180 200,403.34 1
1435 GOOD AVENUE 8.000 1,949.53 76
7.750 1,949.53 271,000.00
PARK RIDGE IL 60068 2 07/15/97 00
001166313 05 09/01/97 0
001166313 O 08/01/12
0
1
1634516 129/G02 F 38,400.00 ZZ
180 38,086.35 1
2611 WOODSDALE ROAD 8.750 383.79 80
8.500 383.79 48,000.00
SALEM OH 44460 5 10/30/97 00
0430507327 05 12/01/97 0
3500033901 O 11/01/12
0
1634522 H45/H45 F 43,200.00 ZZ
180 42,970.80 2
49 FOWLER STREET 9.000 438.17 90
8.750 438.17 48,000.00
PORT JERVIS NY 12771 1 11/14/97 01
900161281 05 01/01/98 25
900161281 N 12/01/12
0
1634533 003/G02 F 45,750.00 ZZ
180 45,249.93 1
6183 SW 6TH STREET 8.750 457.25 75
8.500 457.25 61,000.00
MARGATE FL 33068 1 09/17/97 00
0430395673 05 11/01/97 0
0003884400 O 10/01/12
0
1634574 E22/G02 F 60,000.00 ZZ
180 59,248.79 1
19407 SPRINGPORT DRIVE 7.750 564.77 38
7.500 564.77 160,000.00
ROWLAND HEIGHTS CA 91748 1 09/17/97 00
0410548101 05 11/01/97 0
410548101 O 10/01/12
0
1634605 E13/G02 F 110,700.00 ZZ
180 109,435.48 1
285 SOUTHWICK DRIVE 8.250 1,073.95 90
8.000 1,073.95 123,000.00
SOUTHAVEN MS 38671 1 09/08/97 11
0430422428 05 11/01/97 25
30300 O 10/01/12
0
1634639 640/640 F 264,000.00 ZZ
180 249,601.37 1
2286 LAKE PAGE DRIVE 7.375 2,428.60 80
7.125 2,428.60 330,000.00
1
COLLIERVILLE TN 38017 1 08/16/96 00
UNKNOWN 03 10/01/96 0
UNKNOWN O 09/01/11
0
1634657 375/G02 F 242,000.00 ZZ
180 222,750.82 1
208 SENECA DR 8.500 2,383.07 80
8.250 2,383.07 303,000.00
SOLON OH 44139 1 07/10/97 00
0430397083 05 09/01/97 0
665033 O 08/01/12
0
1634668 375/G02 F 53,300.00 ZZ
180 52,223.44 1
5124 SE 77TH AVENUE 8.250 517.09 65
8.000 517.09 82,000.00
PORTLAND OR 97206 1 06/24/97 00
0430393470 05 08/01/97 0
662206 N 07/01/12
0
1634673 131/G02 F 34,200.00 ZZ
180 33,615.54 1
206 15TH STREET 8.750 341.81 90
8.500 341.81 38,000.00
SILVIS IL 61282 1 09/03/97 10
0430423525 05 11/01/97 20
5671346 N 10/01/12
0
1634691 B93/G02 F 70,700.00 ZZ
180 69,865.46 1
2325 SILVER JUNIPER RANCH ROAD 7.875 670.56 80
7.625 670.56 88,400.00
PRESCOTT AZ 86301 1 09/29/97 00
0430426916 05 11/01/97 0
17357 N 10/01/12
0
1634699 B98/G02 F 58,000.00 ZZ
180 57,309.31 1
792 WARRING DRIVE #4 7.250 529.46 57
7.000 529.46 102,000.00
SAN JOSE CA 95123 2 10/03/97 00
0430447185 01 12/01/97 0
704044 O 11/01/12
0
1
1634970 F22/G02 F 85,700.00 ZZ
180 84,794.00 1
2815 CROSS COUNTRY COURT 9.125 875.61 42
8.875 875.61 204,000.00
FALLSTON MD 21047 5 09/05/97 00
0430427005 05 11/01/97 0
10571945 O 10/01/12
0
1635093 E57/G02 F 25,200.00 ZZ
180 24,924.56 1
2045 SOUTH HAZELWOOD BLVD 8.750 251.86 70
8.500 251.86 36,000.00
FRESNO CA 93702 5 09/08/97 00
0430430041 05 11/01/97 0
62362006374 N 10/01/12
0
1635113 225/225 F 47,200.00 ZZ
180 45,855.04 2
11110 RENEL DRIVE 8.750 471.74 52
8.500 471.74 91,000.00
AUSTIN TX 78758 2 09/03/97 00
8059009 05 10/01/97 0
8059009 N 09/01/12
0
1635132 830/830 F 59,000.00 ZZ
180 58,228.70 1
55 MAYROAD 8.125 568.10 57
7.875 568.10 104,000.00
HARTSELLE AL 35640 5 09/11/97 00
1880129 05 11/01/97 0
1880129 N 10/01/12
0
1635133 131/G02 F 30,000.00 ZZ
180 28,875.10 3
4100 12TH STREET 8.875 302.05 52
8.625 302.05 58,000.00
ROCK ISLAND IL 61201 5 09/12/97 00
0430423855 05 11/01/97 0
5671395 N 10/01/12
0
1635199 965/G02 F 149,400.00 ZZ
180 147,730.56 1
1
14602 NORTH 47TH STREET 8.500 1,471.20 90
8.250 1,471.20 166,000.00
PHOENIX AZ 85032 1 09/22/97 04
0430422923 05 11/01/97 25
HOGAN N 10/01/12
0
1635273 F22/G02 F 132,800.00 ZZ
180 131,316.08 1
21 KIMBERLY ROAD 8.500 1,307.73 80
8.250 1,307.73 166,000.00
WOODBRIDGE TWSP NJ 07067 1 09/17/97 00
0430427351 05 11/01/97 0
61003344 O 10/01/12
0
1635310 758/G02 F 52,650.00 ZZ
180 52,219.97 1
3111 TIMBERLARK DRIVE 8.750 526.21 90
8.500 526.21 58,500.00
KINGWOOD TX 77339 1 10/03/97 11
0430437277 03 12/01/97 25
NG O 11/01/12
0
1635325 927/G02 F 100,000.00 ZZ
180 98,503.56 1
16045 BUGGY WHIP 7.750 941.28 40
7.500 941.28 250,000.00
ELBERT CO 80106 1 08/29/97 00
0430486928 05 10/01/97 0
303438 O 09/01/12
0
1635336 A33/G02 F 27,300.00 ZZ
180 27,139.93 1
8161 DENWOOD BLDG K 7.875 258.93 70
7.625 258.93 39,000.00
STERLING HEIGHT MI 48312 5 10/30/97 00
0430544296 01 01/01/98 0
7042164 N 12/01/12
0
1635358 B75/G02 F 275,000.00 ZZ
180 271,824.13 1
2981 SW 128 AVENUE 8.125 2,647.93 76
7.875 2,647.93 365,000.00
MIAMI FL 33175 1 09/09/97 00
0430425033 05 11/01/97 0
1
7081870 O 10/01/12
0
1635363 B35/G02 F 300,000.00 ZZ
180 296,535.41 1
3421 WOODVALLEY DRIVE 8.125 2,888.65 79
7.875 2,888.65 380,000.00
BALTIMORE MD 21208 5 09/22/97 00
0430431585 05 11/01/97 0
9782010840 O 10/01/12
0
1635402 664/G02 F 215,200.00 ZZ
180 211,653.29 1
12896 SHOREWOOD DR SW 7.875 2,041.07 59
7.625 2,041.07 370,000.00
SEATTLE WA 98146 2 09/08/97 00
0430473405 05 11/01/97 0
2323152 O 10/01/12
0
1635449 E22/G02 F 30,150.00 ZZ
180 29,824.10 1
420 W. DAWS STREET 8.875 303.56 90
8.625 303.56 33,500.00
NORMAN OK 73069 1 09/12/97 04
0410541064 05 11/01/97 25
410541064 N 10/01/12
0
1635520 375/G02 F 50,000.00 ZZ
180 48,990.04 1
2108 2110 2112 W KOOTENAI STRE 8.250 485.08 37
8.000 485.08 135,600.00
BOISE ID 83705 5 06/30/97 00
0430436576 05 08/01/97 0
664146 N 07/01/12
0
1635567 E22/G02 F 65,000.00 ZZ
180 64,281.65 1
2131 STANLEY AVENUE 8.625 644.85 65
8.375 644.85 100,000.00
FT. WORTH TX 76110 5 09/18/97 00
0410539514 05 11/01/97 0
410539514 N 10/01/12
0
1
1635572 E22/G02 F 78,600.00 ZZ
180 77,163.67 1
P.O. BOX 233 7.875 745.48 85
7.625 745.48 92,500.00
WINFIELD MO 63389 5 09/09/97 23
0410530125 05 11/01/97 0
410530125 O 10/01/12
0
1635574 927/G02 F 47,000.00 ZZ
180 46,362.57 1
2916 SOUTH 8TH STREET 8.875 473.22 55
8.625 473.22 86,000.00
TACOMA WA 98405 5 09/02/97 00
0430424663 05 10/01/97 0
319715 N 09/01/12
0
1635597 637/G02 F 60,000.00 ZZ
180 59,093.94 1
16W350 94TH PLACE 8.500 590.85 42
8.250 590.85 145,000.00
BURR RIDGE IL 60521 5 10/16/97 00
0430479576 05 12/01/97 0
8462426 O 11/01/12
0
1635607 144/144 F 48,000.00 ZZ
180 47,685.40 1
397 MAIN STREET 7.750 451.81 77
7.500 451.81 63,000.00
ROSENDALE NY 12472 1 11/06/97 00
235755 05 01/01/98 0
235755 N 12/01/12
0
1635649 E22/G02 F 38,600.00 T
180 38,173.43 1
909 WEST OAK RIDGE ROAD 8.625 382.94 75
UNIT # 953A 8.375 382.94 51,490.00
ORLANDO FL 32809 1 09/16/97 00
0410524185 01 11/01/97 0
410524185 O 10/01/12
0
1635657 E22/G02 F 29,400.00 ZZ
180 29,049.15 1
1191 BAYSHORE DRIVE NORTH 7.750 276.74 70
7.500 276.74 42,000.00
1
ATLANTIC BEACH FL 32233 1 09/15/97 00
0410534093 09 11/01/97 0
410534093 N 10/01/12
0
1635710 A07/G02 F 95,000.00 ZZ
180 94,170.88 2
1912 84TH STREET 8.000 907.87 29
7.750 907.87 329,000.00
BROOKLYN NY 11214 5 10/07/97 00
0430443770 05 12/01/97 0
1637510 O 11/01/12
0
1635754 637/G02 F 103,000.00 ZZ
180 102,447.40 1
2109 BROADWAY AVENUE 8.875 1,037.05 50
8.625 1,037.05 210,000.00
NEW YORK NY 10023 5 11/14/97 00
0430521385 06 01/01/98 0
8334559 O 12/01/12
0
1635757 637/G02 F 105,000.00 ZZ
180 104,073.49 1
100 ALMOND DRIVE 7.875 995.88 70
7.625 995.88 150,000.00
BRENTWOOD CA 94513 1 10/10/97 00
0430496562 05 12/01/97 0
8382285 O 11/01/12
0
1635793 E22/G02 F 50,000.00 ZZ
180 49,435.37 1
1500 SOUTH 9TH STREET 8.625 496.04 50
8.375 496.04 100,000.00
LAS VEGAS NV 89104 5 09/19/97 00
0410523294 05 11/01/97 0
410523294 N 10/01/12
0
1635796 975/G02 F 77,000.00 ZZ
180 76,130.05 1
7081 MARIGOLD COURT 8.375 752.62 65
8.125 752.62 120,000.00
RANCHO CUCAMONG CA 91739 5 09/08/97 00
0430425280 03 11/01/97 0
971667 N 10/01/12
0
1
1635817 E22/G02 F 123,750.00 ZZ
180 122,212.03 1
17213 21ST AVENUE SE 7.875 1,173.71 75
7.625 1,173.71 165,000.00
BOTHELL WA 98012 5 09/15/97 00
0410543623 05 11/01/97 0
410543623 O 10/01/12
0
1635834 637/G02 F 211,000.00 ZZ
180 208,399.07 1
92 HARRISON AVENUE 7.375 1,941.04 69
7.125 1,941.04 307,000.00
HARRISON NY 10528 2 09/18/97 00
0430443556 05 11/01/97 0
9114976 O 10/01/12
0
1635891 637/G02 F 35,600.00 T
180 35,309.20 1
12123 W BELL ROAD #318 8.750 355.81 80
8.500 355.81 44,500.00
SURPRISE AZ 85374 1 10/15/97 00
0430521948 01 12/01/97 0
8471138 O 11/01/12
0
1635956 003/G02 F 71,250.00 ZZ
180 70,418.09 1
33 ALSTONE LANE 8.000 680.91 75
7.750 680.91 95,000.00
MARIETTA GA 30060 1 09/26/97 00
0430427377 03 11/01/97 0
0003885944 O 10/01/12
0
1635970 A32/G02 F 107,000.00 ZZ
180 105,791.10 1
5908 ROUND CASTLE STREET 8.375 1,045.85 90
8.125 1,045.85 119,900.00
LAS VEGAS NV 89130 1 09/09/97 01
0430426510 05 11/01/97 25
139173 N 10/01/12
0
1635975 937/G02 F 120,000.00 ZZ
180 118,614.17 1
1
4216 NORTH DECATUR BOULEVARD 8.125 1,155.46 80
7.875 1,155.46 150,000.00
LAS VEGAS NV 89103 1 09/22/97 00
0430475566 05 11/01/97 0
49037 O 10/01/12
0
1636019 286/286 F 18,000.00 ZZ
180 17,463.04 1
418 SPRUCE AVE 9.250 185.26 90
9.000 185.26 20,000.00
ALTOONA PA 16601 1 06/20/97 10
8596017 05 08/01/97 25
8596017 O 07/01/12
0
1636041 H05/H05 F 66,600.00 ZZ
180 65,911.46 2
2015/2021 MCDONALD AVENUE 9.375 690.44 90
8.875 690.44 74,000.00
NEW ALBANY IN 47150 1 09/18/97 10
8070140 05 11/01/97 25
8070140 N 10/01/12
0
1636046 225/225 F 34,000.00 ZZ
180 33,624.24 1
514 WASHINGTON STREET 8.625 337.31 80
8.375 337.31 42,500.00
PORT ISABEL TX 78578 1 08/29/97 00
806172000 05 11/01/97 0
806172000 N 10/01/12
0
1636056 225/225 F 165,000.00 ZZ
180 163,052.38 1
644 CRESTVIEW DRIVE 7.875 1,564.95 78
7.625 1,564.95 212,000.00
DIAMOND SPRINGS CA 95619 2 09/09/97 00
8063168 05 11/01/97 0
8063168 O 10/01/12
0
1636139 927/G02 F 58,800.00 T
180 58,120.92 1
17204 NORTHEAST 45TH STREET 8.125 566.18 70
#58 7.875 566.18 84,000.00
REDMOND WA 98052 1 09/03/97 00
0430426882 01 11/01/97 0
1
319319 O 10/01/12
0
1636174 638/G02 F 126,000.00 ZZ
180 124,970.86 1
542 E 4TH AVENUE 8.750 1,259.31 90
8.500 1,259.31 140,000.00
DURANGO CO 81301 1 10/10/97 10
0430447409 05 12/01/97 25
08672377 N 11/01/12
0
1636203 800/G02 F 155,000.00 ZZ
180 153,540.18 1
191 WESTON ROAD 7.125 1,404.04 68
6.875 1,404.04 230,000.00
WELLESLEY MA 02181 2 10/16/97 00
0430463729 05 12/01/97 0
970928 O 11/01/12
0
1636221 E22/G02 F 38,600.00 ZZ
180 38,187.34 1
905 CORNELL ROAD 9.000 391.51 90
8.750 391.51 42,900.00
KOKOMO IN 46901 1 09/22/97 04
0410550388 05 11/01/97 25
410550388 N 10/01/12
0
1636227 E22/G02 F 364,000.00 ZZ
180 359,887.56 1
328 GLENWOOD AVENUE 8.375 3,557.83 80
8.125 3,557.83 455,000.00
LEONA NJ 07605 2 09/12/97 00
0410494934 05 11/01/97 0
410494934 O 10/01/12
0
1636234 131/G02 F 160,000.00 ZZ
180 158,603.58 4
3024 SUMAC STREET 8.000 1,529.05 80
7.750 1,529.05 200,000.00
FT COLLINS CO 80526 1 10/10/97 00
0430479675 05 12/01/97 0
1106236 N 11/01/12
0
1
1636245 737/G02 F 120,000.00 ZZ
180 118,975.48 1
ROUTE 1 BOX 3454-10 8.250 1,164.17 80
8.000 1,164.17 150,000.00
ALLIGATOR POINT FL 32327 1 10/17/97 00
0430481853 05 12/01/97 0
950875 O 11/01/12
0
1636249 B75/G02 F 100,000.00 ZZ
180 99,107.92 1
3935 NIELE PLACE 7.750 941.28 20
7.500 941.28 510,000.00
HONOLULU HI 96816 2 10/20/97 00
0430506048 05 12/01/97 0
7084742 O 11/01/12
0
1636294 E08/G02 F 42,250.00 ZZ
180 41,788.19 1
11291 NW 15 COURT 8.750 422.27 65
8.500 422.27 65,000.00
MIAMI FL 33167 5 09/29/97 00
0430443754 05 11/01/97 0
213900 N 10/01/12
0
1636320 E22/G02 F 245,650.00 ZZ
180 242,781.90 1
23260 NORTHEAST UNION HILL ROA 8.000 2,347.56 85
7.750 2,347.56 289,000.00
REDMOND WA 98053 5 09/22/97 10
0410536395 05 11/01/97 12
410536395 O 10/01/12
0
1636654 005/G02 F 16,400.00 ZZ
180 16,261.52 1
1387 MISSION HILLS BLVD 8.375 160.30 75
UNIT 39D 8.125 160.30 22,000.00
CLEARWATER FL 33759 1 10/16/97 00
0430449033 01 12/01/97 0
198944 O 11/01/12
0
1636662 405/405 F 86,900.00 ZZ
180 85,625.12 1
2253 BARROW STREET 8.250 843.06 55
8.000 843.06 158,000.00
1
SAN LEANDRO CA 94677 2 10/14/97 00
8360828 05 12/01/97 0
8360828 N 11/01/12
0
1636667 405/405 F 90,000.00 ZZ
180 89,205.86 1
2423 EAST 24TH STREET 7.875 853.61 75
7.625 853.61 120,000.00
OAKLAND CA 94601 2 10/10/97 00
8351694 05 12/01/97 0
8351694 O 11/01/12
0
1636674 633/G02 F 120,000.00 ZZ
180 118,559.92 1
7895 ROCK SPRINGS ROAD 7.250 1,095.44 58
7.000 1,095.44 209,200.00
PENRYN CA 95663 2 10/29/97 00
0430493437 05 12/01/97 0
690190 O 11/01/12
0
1636677 731/G02 F 154,000.00 ZZ
180 152,713.93 4
904 EXCALIBUR 8.500 1,516.50 70
8.250 1,516.50 220,000.00
LAFAYETTE CO 80027 5 10/14/97 00
0430444778 05 12/01/97 0
593410286 O 11/01/12
0
1637055 A21/A21 F 144,600.00 ZZ
180 143,295.91 1
4 MARNE ST 7.625 1,350.76 61
7.375 1,350.76 240,000.00
COLONIE NY 12189 1 10/23/97 00
0100099787 05 12/01/97 0
0100099787 O 11/01/12
0
1637147 131/G02 F 116,100.00 ZZ
180 114,472.59 2
25 PRICE STREET 8.500 1,143.28 90
8.250 1,143.28 129,000.00
WEST CHESTER PA 19380 1 09/29/97 10
0430475020 05 10/01/97 20
1072471 N 09/01/12
0
1
1637179 131/G02 F 81,000.00 ZZ
180 80,084.84 1
950 PARK STREET 8.375 791.72 34
8.125 791.72 239,000.00
ASHLAND OR 97520 2 09/04/97 00
0430430736 05 11/01/97 0
1100705 O 10/01/12
0
1638109 758/G02 F 53,200.00 ZZ
180 52,585.63 1
3212 KITTYHAWK COVE 8.125 512.25 66
7.875 512.25 81,000.00
AUSTIN TX 78745 2 09/22/97 00
0430440560 05 11/01/97 0
51056 N 10/01/12
0
1638445 A33/G02 F 31,000.00 ZZ
180 30,614.78 1
28244 FELICIAN 8.125 298.49 52
7.875 298.49 60,500.00
ROSEVILLE MI 48066 5 10/23/97 00
0430498865 05 12/01/97 0
H0006042587 N 11/01/12
0
1638448 K30/G02 F 42,000.00 ZZ
180 41,472.22 1
886 ELM AVENUE 8.125 404.41 70
7.875 404.41 60,000.00
GRAND JUNCTION CO 81501 5 09/26/97 00
0430429696 05 11/01/97 0
49820 N 10/01/12
0
1638451 225/225 F 56,025.00 ZZ
180 55,530.65 1
4809 BETHANY PLACE 7.875 531.37 75
7.625 531.37 74,700.00
CHARLOTTE NC 28212 1 10/30/97 00
8068031 05 12/01/97 0
8068031 N 11/01/12
0
1638461 A33/G02 F 35,000.00 ZZ
180 34,803.66 1
1
1645 W BASELINE #2177 8.375 342.10 64
8.125 342.10 55,000.00
MESA AZ 85202 2 10/31/97 00
0430540724 01 01/01/98 0
H001704662 N 12/01/12
0
1638462 E22/G02 F 92,500.00 ZZ
180 91,477.74 4
1100 S 48TH ST 8.625 917.67 72
8.375 917.67 129,000.00
WEST MILWAUKEE WI 53214 2 09/19/97 00
0410513576 05 11/01/97 0
410513576 N 10/01/12
0
1638467 E22/G02 F 28,800.00 ZZ
180 28,474.61 1
1040 COUNTRY CLUB DRIVE 8.375 281.50 80
UNIT # 103 8.125 281.50 36,000.00
MARGATE FL 33063 1 09/19/97 00
0410550693 01 11/01/97 0
410550693 O 10/01/12
0
1638471 E22/G02 F 56,000.00 ZZ
180 55,339.02 1
810 BELLEVUE ROAD UNIT #224 7.875 531.13 80
7.625 531.13 70,000.00
NASHVILLE TN 37221 5 09/15/97 00
0410527451 01 11/01/97 0
410527451 O 10/01/12
0
1638487 E22/G02 F 45,000.00 T
180 44,513.56 1
629 S.E. 19TH AVENUE #503 8.875 453.08 75
8.625 453.08 60,000.00
DEERFIELD BEACH FL 33441 1 09/19/97 00
0410540710 08 11/01/97 0
410540710 O 10/01/12
0
1638501 E22/G02 F 66,000.00 T
180 65,262.50 1
1480 EUCLID AVENUE 8.500 649.93 74
UNIT # 204 8.250 649.93 90,000.00
MIAMI BEACH FL 33139 1 09/18/97 00
0410528111 01 11/01/97 0
1
410528111 O 10/01/12
0
1638798 E22/G02 F 39,600.00 ZZ
180 39,142.68 1
204 LEGION STREET 8.125 381.30 80
7.875 381.30 49,500.00
CLEVELAND TX 77327 1 09/19/97 00
0410537716 05 11/01/97 0
410537716 O 10/01/12
0
1638826 E86/G02 F 132,800.00 ZZ
180 131,180.61 1
29 AMY DRIVE 7.500 1,231.07 80
7.250 1,231.07 166,000.00
SAYVILLE NY 11782 1 10/01/97 00
0430431346 05 11/01/97 0
19418 O 10/01/12
0
1638898 637/G02 F 32,900.00 ZZ
180 32,625.25 1
6700 TALIAFERRO 8.500 323.98 70
8.250 323.98 47,000.00
TAMPA FL 33604 2 10/10/97 00
0430479295 05 12/01/97 0
8452740 N 11/01/12
0
1638900 637/G02 F 25,000.00 ZZ
180 24,791.20 1
8601 14TH STREET NORTH 8.500 246.19 70
8.250 246.19 36,000.00
TAMPA FL 33604 2 10/10/97 00
0430449751 05 12/01/97 0
8452708 N 11/01/12
0
1638933 685/G02 F 100,800.00 ZZ
180 99,618.06 1
34404 S. 52ND AVENUE 8.000 963.30 70
7.750 963.30 144,000.00
AUBURN WA 98001 5 09/23/97 00
0430426379 05 11/01/97 0
109032 N 10/01/12
0
1
1638951 A26/G02 F 160,000.00 ZZ
180 159,532.48 2
404 MANOR RD 7.875 1,517.52 80
7.625 1,517.52 200,000.00
STATEN ISLAND NY 10301 1 12/23/97 00
0430545707 05 02/01/98 0
9281 N 01/01/13
0
1638953 131/G02 F 39,650.00 ZZ
180 39,176.85 1
1101 SOUTH HOLLY STREET 7.750 373.22 65
7.500 373.22 61,000.00
COLUMBIA SC 29205 5 09/17/97 00
0430471631 05 11/01/97 0
6865641 N 10/01/12
0
1638955 757/757 F 36,000.00 ZZ
180 35,575.04 1
2500 GLENDALE CIRCLE 7.875 341.45 55
7.625 341.45 66,500.00
SMYRNA GA 30080 5 09/26/97 00
3163227 05 11/01/97 0
3163227 N 10/01/12
0
1638958 229/G02 F 89,000.00 ZZ
180 87,552.00 1
6 CROW HILL ROAD 8.500 876.42 60
8.250 876.42 150,000.00
STAFFORD CT 06076 2 10/20/97 00
0430494245 05 12/01/97 0
0007644388 O 11/01/12
0
1638960 405/405 F 125,600.00 ZZ
180 124,165.29 1
1310 19TH STREET SOUTHWEST 8.250 1,218.50 80
8.000 1,218.50 157,000.00
NAPLES FL 34117 5 09/05/97 00
8297814 05 11/01/97 0
8297814 O 10/01/12
0
1638974 575/G02 F 65,100.00 ZZ
180 64,372.53 1
1107 BURGUNDY LANE 8.500 641.07 70
8.250 641.07 93,000.00
1
MANCHESTER MO 63011 5 09/23/97 00
0430429035 03 11/01/97 0
972411338 O 10/01/12
0
1638991 575/G02 F 65,100.00 ZZ
180 64,372.53 1
811 GAILLARD DRIVE 8.500 641.07 70
8.250 641.07 93,000.00
MANCHESTER MO 63011 5 09/23/97 00
0430432724 03 11/01/97 0
972411379 N 10/01/12
0
1639008 229/G02 F 113,600.00 ZZ
180 112,586.62 1
70 FERRY STREET 7.750 1,069.29 80
7.500 1,069.29 142,000.00
HUDSON NH 03051 1 10/29/97 00
0430499442 05 12/01/97 0
0007616147 O 11/01/12
0
1639017 286/286 F 54,000.00 ZZ
180 53,389.87 1
109 12TH ST 8.375 527.82 90
8.125 527.82 60,000.00
PANAMA CITY BEA FL 32413 1 09/15/97 11
0008645899 05 11/01/97 25
0008645899 N 10/01/12
0
1639022 560/560 F 56,000.00 ZZ
180 55,360.32 1
1000 N BEAVER STREET 8.250 543.28 68
112 8.000 543.28 82,500.00
FLAGSTAFF AZ 86001 5 09/23/97 00
450854575 01 11/01/97 0
450854575 N 10/01/12
0
1639059 H81/G02 F 136,000.00 ZZ
180 134,813.09 1
2830 LONG VALLEY ROAD 8.000 1,299.68 68
7.750 1,299.68 200,000.00
RICHFIELD WI 53076 5 10/17/97 00
0430481218 05 12/01/97 0
WH2685 O 11/01/12
0
1
1639068 E22/G02 F 82,000.00 ZZ
180 78,654.34 1
16194 SILVERCREST 8.375 801.49 35
8.125 801.49 240,000.00
FENTON MI 48430 5 09/17/97 00
0410536304 05 11/01/97 0
410536304 O 10/01/12
0
1639090 136/G02 F 126,400.00 ZZ
180 124,549.07 1
160-17 84TH AVENUE 8.000 1,207.95 80
7.750 1,207.95 158,000.00
JAMAICA NY 11432 1 08/29/97 00
0430428979 05 10/01/97 0
4505060 O 09/01/12
0
1639252 074/074 F 44,000.00 ZZ
180 43,513.71 1
109 FORE AVENUE 8.625 436.52 80
8.375 436.52 55,000.00
INMAN SC 29349 5 09/17/97 00
1577095715 27 11/01/97 0
1577095715 O 10/01/12
0
1639311 G51/G02 F 71,100.00 ZZ
180 70,322.86 2
148 KENVIEW AVE 8.750 710.61 90
8.500 710.61 79,000.00
TONAWANDA NY 14217 1 09/30/97 10
0430426106 05 11/01/97 25
226049 N 10/01/12
0
1639319 B90/G02 F 67,600.00 ZZ
180 66,844.63 2
1333-1335 JACKSON STREET 8.500 665.68 80
8.250 665.68 84,500.00
ROCKFORD IL 61107 1 09/30/97 00
0430445999 05 11/01/97 0
900496241 N 10/01/12
0
1639328 560/560 F 90,000.00 ZZ
180 88,971.94 1
1
7 MILLS RD 8.250 873.13 52
8.000 873.13 176,000.00
CAPE PORPOISE ME 04014 5 09/08/97 00
450844394 05 11/01/97 0
450844394 O 10/01/12
0
1639329 560/560 F 57,600.00 ZZ
180 56,949.23 2
3735-3737 DIANE LANE 8.375 563.00 90
8.125 563.00 64,000.00
LEBANON IN 46052 1 09/16/97 21
450847488 05 11/01/97 25
450847488 N 10/01/12
0
1639330 560/560 F 34,200.00 ZZ
180 33,809.34 1
619 HAMPTON LANE 8.250 331.79 90
8.000 331.79 38,000.00
CHESTERFIELD IN 46017 1 09/16/97 04
450847827 05 11/01/97 30
450847827 N 10/01/12
0
1639332 560/560 F 50,000.00 ZZ
180 49,428.82 2
3 DARTMOUTH ST 8.250 485.08 47
8.000 485.08 108,000.00
NEWPORT RI 02840 5 09/15/97 00
450846019 05 11/01/97 0
450846019 N 10/01/12
0
1639421 129/G02 F 52,150.00 ZZ
180 51,860.69 1
5637 16TH AVENUE NORTH 8.500 513.54 70
8.250 513.54 74,500.00
ST PETERSBURG FL 33710 5 11/12/97 00
0430528885 05 01/01/98 0
3500045590 N 12/01/12
0
1639588 560/560 F 19,200.00 ZZ
180 18,980.67 1
4 HAZELWOOD 8.250 186.27 80
UNIT 9 8.000 186.27 24,000.00
DRACUT MA 01826 1 09/16/97 00
450849153 01 11/01/97 0
1
450849153 N 10/01/12
0
1639601 560/560 F 40,000.00 ZZ
180 39,517.45 1
231 233 SARGEANT STREET 7.625 373.66 48
7.375 373.66 84,000.00
HARTFORD CT 06105 5 09/19/97 00
450851415 05 11/01/97 0
450851415 N 10/01/12
0
1639652 747/G02 F 82,150.00 ZZ
180 81,907.29 1
76 4TH STREET 15-202 7.750 773.26 80
7.500 773.26 103,500.00
BONITA SPRINGS FL 34135 2 12/15/97 00
0430562769 05 02/01/98 0
174153 O 01/01/13
0
1640179 074/G02 F 19,250.00 T
180 19,046.45 1
3091 NW 46TH AVE 110-A 9.125 196.69 70
8.875 196.69 27,500.00
LAUDERDALE LAKE FL 33313 1 09/11/97 00
0430470401 08 11/01/97 0
1589132932 O 10/01/12
0
1640300 687/G02 F 90,000.00 ZZ
180 88,186.05 1
2835 QUEENSLAND DRIVE 8.000 860.09 90
7.750 860.09 100,005.00
RICHMOND VA 23294 1 09/26/97 01
0430431528 05 11/01/97 25
1623940 N 10/01/12
0
1640412 131/G02 F 58,000.00 T
180 57,102.04 1
13750 BONILLA LANE 8.250 562.69 53
8.000 562.69 110,000.00
HOUSTON TX 77083 1 10/31/97 00
0430523589 03 12/01/97 0
1073608 O 11/01/12
0
1
1640439 633/G02 F 197,300.00 ZZ
180 195,481.56 3
1420 S ALTA VISTA AVENUE 7.375 1,815.01 74
#A,B,C 7.125 1,815.01 270,000.00
MONROVIA CA 91016 2 10/15/97 00
0430481721 05 12/01/97 0
691990 O 11/01/12
0
1640465 450/450 F 88,800.00 ZZ
180 86,611.55 1
400 HALIBURTON ST 7.625 829.51 80
7.375 829.51 111,000.00
ORION TWP MI 48362 5 09/17/97 00
4404596 05 11/01/97 0
4404596 O 10/01/12
0
1640566 E19/G02 F 140,000.00 ZZ
180 138,778.16 1
16927 B ISLE OF PALMS DRIVE 8.000 1,337.91 70
7.750 1,337.91 202,000.00
DEL RAY FL 33484 1 10/06/97 00
0430443168 01 12/01/97 0
200027118 O 11/01/12
0
1640572 F22/G02 F 90,000.00 ZZ
180 88,877.92 1
2357 IVERSON STREET 8.500 886.27 77
8.250 886.27 117,000.00
TEMPLE HILLS MD 20748 2 09/25/97 00
0430439109 07 11/01/97 0
3059865 O 10/01/12
0
1640705 593/593 F 63,200.00 ZZ
180 61,937.21 2
711 & 713 SOUTH HAYES 8.375 617.74 80
8.125 617.74 79,000.00
EMMETT ID 83617 1 06/25/97 00
6018246 05 08/01/97 0
6018246 N 07/01/12
0
1640725 E22/G02 F 45,000.00 ZZ
180 44,187.39 1
5305 N.W. 167TH STREET 8.375 439.84 52
8.125 439.84 88,000.00
1
OPA LOCKA FL 33055 5 09/19/97 00
0410543201 05 11/01/97 0
410543201 O 10/01/12
0
1640727 E22/G02 F 160,000.00 ZZ
180 150,592.65 2
3742 WEST WINDSOR 8.875 1,610.95 77
8.625 1,610.95 210,000.00
CHICAGO IL 60625 5 09/16/97 00
0410530083 05 11/01/97 0
410530083 O 10/01/12
0
1640747 480/G02 F 120,000.00 ZZ
180 118,614.17 1
935 FIELD CHAPEL ROAD 8.125 1,155.46 65
7.875 1,155.46 185,000.00
CANTON GA 30114 2 09/17/97 00
0430432948 05 11/01/97 0
2138766 O 10/01/12
0
1640985 G51/G02 F 90,000.00 ZZ
180 88,902.48 1
1469 HOMESTEAD COURT 7.500 834.32 90
7.250 834.32 100,000.00
HENDERSON NV 89014 1 10/02/97 04
0430446765 03 11/01/97 25
228677 O 10/01/12
0
1640996 514/G02 F 152,000.00 ZZ
180 150,263.76 1
3272 HAMPTON RIDGE DRIVE 8.250 1,474.61 76
8.000 1,474.61 202,000.00
MARIETTA GA 30062 1 09/22/97 00
0430431544 03 11/01/97 0
684596 O 10/01/12
0
1640997 253/253 F 68,000.00 ZZ
180 67,231.74 1
1904 YUCCA TR 8.375 664.65 80
8.125 664.65 85,000.00
HURST TX 76054 1 09/18/97 00
901643 05 11/01/97 0
901643 N 10/01/12
0
1
1641004 F34/G02 F 30,000.00 ZZ
180 29,664.74 1
10804 SW 88 STREET 8.500 295.43 64
8.250 295.43 47,000.00
MIAMI FL 33176 5 09/12/97 00
0430442483 01 11/01/97 0
9700592 N 10/01/12
0
1641041 561/561 F 31,500.00 ZZ
180 31,155.69 2
1360&62 N GALE STREET 8.750 314.83 61
8.500 314.83 52,000.00
INDIANAPOLIS IN 46201 5 09/29/97 00
9135518 05 11/01/97 0
9135518 N 10/01/12
0
1641056 286/286 F 73,100.00 ZZ
180 72,283.14 1
1117 BROOKWOOD DR 8.500 719.85 85
8.250 719.85 86,000.00
STANLEY NC 28164 5 09/09/97 04
0008699001 05 11/01/97 12
0008699001 O 10/01/12
0
1641082 B28/G02 F 92,000.00 ZZ
180 90,960.55 1
2122 27TH STREET 8.375 899.24 78
8.125 899.24 118,000.00
GREELEY CO 80631 1 09/29/97 00
0430431197 05 11/01/97 0
970920 N 10/01/12
0
1641126 F96/G02 F 45,600.00 ZZ
180 45,219.20 1
458 RUTHERFORD AVENUE 8.500 449.04 80
8.250 449.04 57,000.00
BOROUGH OF FRAN NJ 07416 1 10/03/97 00
0430428730 05 12/01/97 0
1607 N 11/01/12
0
1641141 H05/H05 F 85,680.00 ZZ
180 84,987.95 1
1
792 BREWERS BRIDGE ROAD 8.875 862.66 72
8.375 862.66 119,000.00
JACKSON NJ 08527 2 10/01/97 00
7070126 05 12/01/97 0
7070126 O 11/01/12
0
1641156 637/G02 F 33,375.00 T
180 33,193.92 1
12123 WEST BELL RD #250 8.750 333.57 75
8.500 333.57 44,500.00
SURPRISE AZ 85374 1 10/31/97 00
0430526731 01 01/01/98 0
8471229 O 12/01/12
0
1641182 375/G02 F 123,500.00 ZZ
180 121,591.17 1
1806 S W LAVENIR TERRACE 7.375 1,136.11 65
7.125 1,136.11 190,000.00
FOREST GROVE OR 97116 5 08/25/97 00
0430483107 05 10/01/97 0
674867 O 09/01/12
0
1641190 375/G02 F 136,000.00 ZZ
180 133,753.86 1
1615 STONEYBROOK DRIVE 8.750 1,359.26 80
8.500 1,359.26 170,000.00
ROCKWALL TX 75087 2 07/15/97 00
0430483032 05 09/01/97 0
664842 O 08/01/12
0
1641197 638/G02 F 70,200.00 ZZ
180 69,772.87 1
2429 BRENDENWOOD ROAD 8.750 701.61 90
8.500 701.61 78,000.00
ROCKFORD IL 61107 1 11/07/97 10
0430494575 05 01/01/98 25
08676100 N 12/01/12
0
1641213 G97/G02 F 26,000.00 ZZ
180 25,714.57 1
3200 LINCOLN LAKE RD 8.250 252.24 47
8.000 252.24 56,000.00
LOWELL MI 49331 2 10/23/97 00
0430486969 05 12/01/97 0
1
11472 O 11/01/12
0
1641252 G20/G02 F 58,500.00 ZZ
180 57,983.83 2
3717 & 3719 MOONBEAM DRIVE 7.875 554.84 75
7.625 554.84 78,000.00
SACRAMENTO CA 95827 1 10/24/97 00
0430482596 05 12/01/97 0
223155 O 11/01/12
0
1641290 E22/G02 F 112,000.00 ZZ
180 110,720.64 1
49317 MACKINAW CT. 8.250 1,086.56 80
8.000 1,086.56 140,000.00
SHELBY MI 48315 1 09/24/97 00
0410554299 01 11/01/97 0
410554299 O 10/01/12
0
1641293 E22/G02 F 55,250.00 ZZ
180 54,590.74 1
18415 EDINBOROUGH ROAD 7.750 520.05 85
7.500 520.05 65,000.00
DETROIT MI 48219 5 09/16/97 04
0410545990 05 11/01/97 25
410545990 O 10/01/12
0
1641316 E22/G02 F 40,250.00 T
180 39,790.25 1
19051 COLLINS AVENUE 8.250 390.48 70
UNIT # E119 8.000 390.48 57,500.00
MIAMI BEACH FL 33160 1 09/25/97 00
0410550719 01 11/01/97 0
410550719 O 10/01/12
0
1641324 E22/G02 F 132,000.00 ZZ
180 130,508.68 1
208 LAIRD AVE 8.375 1,290.20 60
8.125 1,290.20 220,000.00
CLIFFSIDE NJ 07010 2 09/23/97 00
0410528368 01 11/01/97 0
410528368 N 10/01/12
0
1
1641326 E22/G02 F 135,600.00 ZZ
180 134,068.00 1
204 LAIRD AVENUE 8.375 1,325.39 60
8.125 1,325.39 226,000.00
CLIFFSIDE PARK NJ 07010 2 09/23/97 00
0410528046 01 11/01/97 0
410528046 N 10/01/12
0
1641331 E22/G02 F 193,700.00 ZZ
180 191,438.43 1
2209 FAIRCLOUD LANE 8.000 1,851.10 65
7.750 1,851.10 298,000.00
EDMOND OK 73034 5 09/18/97 00
0410550651 03 11/01/97 0
410550651 O 10/01/12
0
1641334 E22/G02 F 147,000.00 ZZ
180 145,264.89 1
573 INDIAN LAKE ROAD 7.875 1,394.22 72
7.625 1,394.22 205,000.00
HENDERSONVILLE TN 37075 5 09/16/97 00
0410537377 05 11/01/97 0
410537377 O 10/01/12
0
1641357 E22/G02 F 105,600.00 ZZ
180 104,406.95 2
2970 EDGEHILL RD 8.375 1,032.16 80
8.125 1,032.16 132,000.00
CLEVELAND HTS OH 44118 1 09/22/97 00
0410526198 05 11/01/97 0
410526198 N 10/01/12
0
1641381 E22/G02 F 135,600.00 ZZ
180 134,068.00 1
206 LAIRD AVENUE 8.375 1,325.39 60
8.125 1,325.39 226,000.00
CLIFFSIDE PARK NJ 07010 2 09/23/97 00
0410528335 01 11/01/97 0
410528335 N 10/01/12
0
1641386 G81/G02 F 81,000.00 ZZ
180 80,545.60 1
11480 SW 40TH STREET 8.375 791.72 90
8.125 791.72 90,000.00
1
MIAMI FL 33155 1 11/03/97 01
0430485078 05 01/01/98 25
021710026 N 12/01/12
0
1641406 369/G02 F 108,000.00 ZZ
180 86,017.00 1
152 PORT ST CLARIE STREET 8.500 1,063.52 80
8.250 1,063.52 135,000.00
ARANSAS PASS TX 78336 1 08/22/97 00
0430442897 03 10/01/97 0
0060859824 N 09/01/12
0
1641409 369/G02 F 64,800.00 ZZ
180 64,059.77 1
1669 BERT GREENE DRIVE 8.250 628.66 90
8.000 628.66 72,000.00
EL PASO TX 79936 1 09/22/97 01
0430434522 05 11/01/97 25
0060125309 N 10/01/12
0
1641411 369/G02 F 70,000.00 ZZ
180 69,182.70 1
2171 FENNELL STREET 8.000 668.96 58
7.750 668.96 121,415.00
ORLANDO FL 32810 1 09/17/97 00
0430434472 03 11/01/97 0
0060779568 O 10/01/12
0
1641435 E60/G02 F 273,000.00 ZZ
180 270,617.37 1
26 FAITH 8.000 2,608.94 53
7.750 2,608.94 515,000.00
IRVINE CA 92612 2 10/01/97 00
0430433771 03 12/01/97 0
520473 O 11/01/12
0
1641494 369/G02 F 82,800.00 ZZ
180 81,894.14 1
6824 CENTURY CIRCLE 8.750 827.54 86
8.500 827.54 96,500.00
PLANO TX 75023 1 09/16/97 04
0430437582 03 11/01/97 25
61043295 N 10/01/12
0
1
1641499 369/G02 F 53,100.00 ZZ
180 52,479.16 1
710 MANHATTAN AVENUE 8.500 522.90 90
8.250 522.90 59,000.00
INDIANAPOLIS IN 46241 1 09/24/97 01
0430442970 05 11/01/97 25
60585577 N 10/01/12
0
1641641 637/G02 F 88,500.00 ZZ
180 87,532.65 1
249 BANCROFT STREET 8.750 884.52 75
8.500 884.52 118,000.00
PORTLAND ME 04102 5 09/11/97 00
0430432534 05 11/01/97 0
4227369 O 10/01/12
0
1641655 685/G02 F 276,750.00 ZZ
180 274,281.21 1
458 NO CRESCENT HEIGHTS BLVD 7.750 2,604.98 75
7.500 2,604.98 369,000.00
LOS ANGELES CA 90048 1 10/01/97 00
0430443507 05 12/01/97 0
109136 O 11/01/12
0
1641667 731/G02 F 78,300.00 ZZ
180 77,444.16 4
1707 THOMPSON AVENUE 8.750 782.57 90
8.500 782.57 87,000.00
EAST POINT GA 30344 1 10/01/97 11
0430431536 05 11/01/97 25
3140665144 O 10/01/12
0
1641772 267/267 F 396,000.00 ZZ
180 391,065.74 1
4080 SOELRO COURT 7.250 3,614.94 65
7.000 3,614.94 617,000.00
SAN JOSE CA 95127 5 09/17/97 00
4312221 05 11/01/97 0
4312221 O 10/01/12
0
1641777 267/267 F 83,000.00 ZZ
180 81,976.84 1
1
8329 ELSMORE DR 7.375 763.54 56
7.125 763.54 150,000.00
ROSEMEAD CA 91770 5 09/10/97 00
431356 05 11/01/97 0
431356 O 10/01/12
0
1641784 H42/G02 F 114,750.00 ZZ
180 113,715.14 1
1338 HUNN ROAD #22 7.625 1,071.91 75
7.375 1,071.91 153,000.00
YUBA CITY CA 95993 5 10/20/97 00
0430484576 09 12/01/97 0
876825404 O 11/01/12
0
1641788 E23/G02 F 335,000.00 ZZ
180 331,256.61 1
450-452 COLLING WOOD STREET 8.500 3,298.88 56
8.250 3,298.88 600,000.00
SAN FRANSISCO CA 94114 2 09/18/97 00
0430443572 05 11/01/97 0
60500015 O 10/01/12
0
1641840 B75/G02 F 215,250.00 ZZ
180 212,681.49 1
4631 DANDELION CIRCLE 7.750 2,026.10 80
7.500 2,026.10 269,068.00
MARIETTA GA 30067 1 09/26/97 00
0430432542 03 11/01/97 0
7098361 O 10/01/12
0
1641885 944/G02 F 435,000.00 ZZ
180 429,637.89 1
159 INDIAN HILLS DRIVE 7.375 4,001.67 75
7.125 4,001.67 580,000.00
NOVATO CA 94949 5 09/23/97 00
0430433722 05 11/01/97 0
0226270 O 10/01/12
0
1641889 253/253 F 28,000.00 ZZ
180 27,730.55 1
1426 SANTA MONICA 8.750 279.85 70
8.500 279.85 40,000.00
SAN ANTONIO TX 78201 5 10/23/97 00
902624 05 12/01/97 0
1
902624 N 11/01/12
0
1641946 765/G02 F 45,500.00 ZZ
180 45,120.01 1
2511 2511 1/2 & 2513 EXPOSITIO 8.500 448.06 31
PLACE 8.250 448.06 150,000.00
LOS ANGELES CA 90018 5 10/01/97 00
0430433714 05 12/01/97 0
326529 N 11/01/12
0
1641951 H05/H05 F 44,000.00 ZZ
180 43,640.61 1
116 NE 8TH STREET 8.750 439.76 80
8.250 439.76 55,000.00
CHISHOLM MN 55719 5 10/24/97 00
7080247 05 12/01/97 0
7080247 O 11/01/12
0
1641988 455/G02 F 187,200.00 ZZ
180 184,943.60 1
1850 CRUMBLEY ROAD 9.000 1,898.71 80
8.750 1,898.71 234,000.00
MCDONOUGH GA 30252 5 09/29/97 00
0430442046 05 12/01/97 0
56850 O 11/01/12
0
1642010 253/253 F 51,200.00 ZZ
180 50,589.03 1
3501 VALLEY VIEW DRIVE 7.750 481.94 80
7.500 481.94 64,000.00
DENTON TX 76201 1 10/01/97 00
901486 05 11/01/97 0
901486 N 10/01/12
0
1642031 B35/G02 F 59,800.00 ZZ
180 59,160.69 1
1416 BRIARCLIFF AVENUE 9.000 606.54 65
8.750 606.54 92,000.00
CHARLOTTESVILLE VA 22903 5 09/30/97 00
0430439653 05 11/01/97 0
460041 N 10/01/12
0
1
1642045 E22/G02 F 20,000.00 ZZ
120 19,439.87 1
2409 WHITE STREET 9.000 253.35 63
8.750 253.35 32,000.00
CAHOKIA IL 62206 5 09/23/97 00
0410495501 05 11/01/97 0
410495501 O 10/01/07
0
1642091 A06/G02 F 217,500.00 ZZ
180 213,687.49 1
30115 MAYFAIR 7.875 2,062.88 76
7.625 2,062.88 288,000.00
FARMINGTON HILL MI 48331 2 10/31/97 00
0430492348 05 12/01/97 0
9712560 O 11/01/12
0
1642196 637/G02 F 40,000.00 ZZ
180 39,647.05 1
3511 SPRINGHILL AVENUE 7.875 379.38 50
7.625 379.38 80,000.00
MOBILE AL 36608 5 10/24/97 00
0430498535 05 12/01/97 0
8358939 O 11/01/12
0
1642246 387/387 F 80,000.00 ZZ
180 77,598.99 1
7116 VILLAGE 7 8.250 776.11 60
8.000 776.11 135,000.00
CAMARILLO CA 93012 5 07/29/97 00
0001167816 09 09/01/97 0
0001167816 N 08/01/12
0
1642254 129/G02 F 27,000.00 ZZ
180 26,761.41 1
2426 SWITZER AVENUE 7.875 256.08 90
7.625 256.08 30,000.00
JENNINGS MO 63136 1 10/31/97 10
0430525972 05 12/01/97 25
3500041904 N 11/01/12
0
1642258 129/G02 F 28,350.00 ZZ
180 28,099.84 1
2542 MAIN STREET 7.875 268.89 90
7.625 268.89 31,500.00
1
JENNINGS MO 63136 1 10/31/97 04
0430519520 05 12/01/97 25
UNKNOWN N 11/01/12
0
1642273 286/286 F 126,000.00 ZZ
180 124,900.32 1
444 W FULLERTON PKY #1104 8.000 1,204.12 60
7.750 1,204.12 211,000.00
CHICAGO IL 60614 1 10/16/97 00
8642172 06 12/01/97 0
8642172 N 11/01/12
0
1642290 561/561 F 46,700.00 ZZ
180 46,055.08 1
39 WOODBURY STREET 8.750 466.75 85
8.500 466.75 55,000.00
WILKES BARRE PA 18702 5 09/15/97 14
9130956 05 11/01/97 20
9130956 O 10/01/12
0
1642347 180/G02 F 51,300.00 ZZ
180 50,873.67 1
811 JACKSON AVENUE 8.875 516.51 95
8.625 516.51 54,000.00
EVANSVILLE IN 47713 2 09/30/97 04
0430472449 05 12/01/97 30
12044210 O 11/01/12
0
1642361 480/G02 F 55,500.00 ZZ
180 54,886.66 1
4731 GROVE POINT DRIVE 8.625 550.60 75
8.375 550.60 74,000.00
TAMPA FL 33624 1 10/06/97 00
0430441758 03 11/01/97 0
2207397 O 10/01/12
0
1642396 076/076 F 43,800.00 ZZ
180 43,076.62 1
1108 IOLA AVENUE 8.750 437.76 80
8.500 437.76 54,750.00
LUBBOCK TX 79416 1 07/19/97 00
8620402 05 09/01/97 0
8620402 N 08/01/12
0
1
1642445 387/387 F 395,400.00 ZZ
180 389,418.91 1
13425 SURREY LANE 7.625 3,693.55 30
7.375 3,693.55 1,330,000.00
SARATOGA CA 95070 2 08/14/97 00
1180132 05 10/01/97 0
1180132 O 09/01/12
0
1642446 387/387 F 251,000.00 ZZ
180 247,364.34 2
829 SIMPSON STREET 8.125 2,416.83 72
7.875 2,416.83 350,000.00
EVANSTON IL 60201 2 08/18/97 00
1179753 05 10/01/97 0
1179753 O 09/01/12
0
1642447 387/387 F 280,000.00 ZZ
180 274,328.64 1
842 ORANGE AVENUE 7.750 2,635.57 58
7.500 2,635.57 490,000.00
SUNNYVALE CA 94087 2 08/08/97 00
1179183 05 10/01/97 0
1179183 O 09/01/12
0
1642448 387/387 F 70,400.00 ZZ
180 69,172.15 1
412 CONGER DRIVE 8.125 677.87 80
7.875 677.87 88,000.00
MESQUITE TX 75149 2 07/24/97 00
1176767 05 09/01/97 0
1176767 O 08/01/12
0
1642495 387/387 F 100,500.00 ZZ
180 96,747.17 1
1677 SOUTH ESPANA WAY 8.125 967.70 75
7.875 967.70 134,000.00
AURORA CO 80017 1 07/15/97 00
1172493 05 09/01/97 0
1172493 O 08/01/12
0
1642496 387/387 F 240,000.00 ZZ
180 235,534.97 1
1
875 ACAPULCO STREET 7.375 2,207.82 80
7.125 2,207.82 300,000.00
LAGUNA BEACH CA 92651 1 07/29/97 00
1172378 05 09/01/97 0
1172378 O 08/01/12
0
1642497 387/387 F 67,000.00 ZZ
180 65,766.77 2
1426-1428 LOWELL BLVD 7.500 621.10 59
7.250 621.10 115,000.00
DENVER CO 80204 5 07/11/97 00
1171255 05 09/01/97 0
1171255 N 08/01/12
0
1642499 387/387 F 138,600.00 ZZ
180 132,512.11 1
4464 MOORPARK WAY #104 7.625 1,294.70 60
7.375 1,294.70 231,000.00
TOLUCA LAKE CA 91602 1 07/17/97 00
1167865 01 09/01/97 0
1167865 O 08/01/12
0
1642500 387/387 F 88,000.00 ZZ
180 86,431.61 1
1011 VIKING DRIVE 7.875 834.64 80
7.625 834.64 110,000.00
STONE MOUNTAIN GA 30083 1 08/01/97 00
1171263 05 09/01/97 0
1171263 O 08/01/12
0
1642501 387/387 F 143,900.00 ZZ
180 141,082.72 1
6540 PINE RIDGE CIRCLE 8.125 1,385.59 59
7.875 1,385.59 248,000.00
CUMMING GA 30131 5 08/04/97 00
1174358 05 09/01/97 0
1174358 O 08/01/12
0
1642502 387/387 F 160,000.00 ZZ
180 157,479.09 2
456 OVERBROOK DRIVE 7.625 1,494.61 62
7.375 1,494.61 260,000.00
ATLANTA GA 30318 5 08/05/97 00
1173426 05 10/01/97 0
1
1173426 O 09/01/12
0
1642503 387/387 F 578,000.00 ZZ
180 568,135.92 1
2901 ALTA DRIVE 8.375 5,649.52 69
8.125 5,649.52 840,000.00
LAS VEGAS NV 89107 2 07/01/97 00
1114644 05 09/01/97 0
1114644 O 08/01/12
0
1642504 387/387 F 105,000.00 ZZ
180 103,411.68 1
3125 WEST COLORADO AVENUE 7.625 980.84 72
7.375 980.84 146,000.00
DENVER CO 80219 5 08/11/97 00
1184738 05 10/01/97 0
1184738 O 09/01/12
0
1642506 387/387 F 185,000.00 ZZ
180 182,287.63 1
10088 PARADISE BLVD 8.000 1,767.96 70
7.750 1,767.96 265,000.00
TREASURE ISLAND FL 33706 5 08/13/97 00
1187830 05 10/01/97 0
1187830 O 09/01/12
0
1642507 387/387 F 53,200.00 ZZ
180 52,262.03 1
2825 EAST MCKINNEY STREET 8.000 508.41 80
7.750 508.41 66,550.00
DENTON TX 76201 1 07/31/97 00
1185479 05 09/01/97 0
1185479 N 08/01/12
0
1642509 387/387 F 79,500.00 ZZ
180 77,674.43 1
920 HADDOCK STREET 7.875 754.02 18
7.625 754.02 450,000.00
FOSTER CITY CA 94404 2 07/18/97 00
1061282 05 09/01/97 0
1061282 O 08/01/12
0
1
1642510 387/387 F 188,000.00 ZZ
180 185,125.39 1
2637 OHIO COURT 7.500 1,742.78 80
7.250 1,742.78 235,000.00
LAS VEGAS NV 89128 2 08/06/97 00
1107762 03 10/01/97 0
1107762 N 09/01/12
0
1642512 387/387 F 176,800.00 ZZ
180 172,385.99 1
23682 LARGARTO 7.500 1,638.96 80
7.250 1,638.96 221,000.00
MISSION VIEJO CA 92691 2 08/19/97 00
1188606 03 10/01/97 0
1188606 O 09/01/12
0
1642513 387/387 F 52,500.00 ZZ
180 51,722.81 1
1135 BARTON HILLS DRIVE 7.875 497.94 65
UNIT #317 7.625 497.94 81,000.00
AUSTIN TX 78704 5 08/04/97 00
1187996 01 10/01/97 0
1187996 N 09/01/12
0
1642514 387/387 F 370,000.00 ZZ
180 362,621.61 1
1848 LA MANZANITA 7.500 3,429.95 78
7.250 3,429.95 475,000.00
SOUTH PASADENA CA 91030 2 08/08/97 00
1183128 05 10/01/97 0
1183128 O 09/01/12
0
1642516 387/387 F 354,800.00 ZZ
180 349,547.89 1
3444 STUDIO DRIVE 7.875 3,365.10 80
7.625 3,365.10 443,500.00
CAYUCOS CA 93430 1 08/04/97 00
1181015 05 10/01/97 0
1181015 O 09/01/12
0
1642517 387/387 F 54,400.00 ZZ
180 53,430.47 1
1723 EAST RIO GRANDE AVENUE 7.875 515.96 74
7.625 515.96 74,500.00
1
EL PASO TX 79902 2 07/23/97 00
1162767 05 09/01/97 0
1162767 O 08/01/12
0
1642518 387/387 F 350,000.00 ZZ
180 344,705.69 1
21154 LAURETTA DRIVE 7.625 3,269.45 48
7.375 3,269.45 740,000.00
CUPERTINO CA 95014 2 08/18/97 00
1181908 05 10/01/97 0
1181908 O 09/01/12
0
1642520 387/387 F 50,000.00 ZZ
180 48,901.29 1
4102 NORTH MARTIN WAY 8.250 485.07 58
8.000 485.07 87,000.00
LITHIA SPRINGS GA 30057 5 07/10/97 00
1167014 05 09/01/97 0
1167014 O 08/01/12
0
1642521 387/387 F 60,000.00 ZZ
180 58,721.22 1
2420 WEST FITCH AVENUE #A 7.625 560.48 50
7.375 560.48 120,000.00
CHICAGO IL 60645 5 06/26/97 00
1162395 09 08/01/97 0
1162395 O 07/01/12
0
1642564 E73/G02 F 24,750.00 ZZ
180 24,470.35 2
434 PENNINGTON AVENUE 8.375 241.92 90
8.125 241.92 27,500.00
TRENTON NJ 08618 1 09/30/97 04
0430575167 05 11/01/97 25
40000033614 N 10/01/12
0
1642606 H05/H05 F 30,000.00 ZZ
180 29,675.71 1
110 WOODHUE CT., 8.875 302.05 34
8.375 302.05 90,000.00
DECATUR IN 46733 5 09/29/97 00
7070227 05 11/01/97 0
7070227 O 10/01/12
0
1
1642629 E13/G02 F 220,500.00 ZZ
180 218,532.98 2
420 S WESLEY 7.750 2,075.52 70
7.500 2,075.52 315,000.00
OAK PARK IL 60302 2 10/03/97 00
0430442566 05 12/01/97 0
222376 O 11/01/12
0
1642635 560/560 F 93,000.00 ZZ
180 89,858.98 4
5245 GRAY LANE 7.625 868.75 55
7.375 868.75 170,000.00
LAS VEGAS NV 89119 5 09/18/97 00
450851159 05 11/01/97 0
450851159 N 10/01/12
0
1642671 225/225 F 41,600.00 ZZ
180 41,236.90 1
9248 WABADAY AVENUE 8.000 397.56 80
7.750 397.56 52,000.00
OVERLAND MO 63114 1 10/24/97 00
8070350 05 12/01/97 0
8070350 O 11/01/12
0
1642678 624/G02 F 148,800.00 ZZ
180 147,543.54 1
1670 ALBION LANE 8.375 1,454.41 80
8.125 1,454.41 186,000.00
LONGMONT CO 80503 5 10/23/97 00
0430481614 05 12/01/97 0
73011570403 O 11/01/12
0
1642691 927/G02 F 148,000.00 ZZ
180 146,195.26 1
5235 TEARDROP PLACE 7.500 1,371.98 80
7.250 1,371.98 185,000.00
COLORADO SPRING CO 80917 5 09/18/97 00
0430435115 05 11/01/97 0
305763 O 10/01/12
0
1642701 E22/G02 F 72,000.00 ZZ
180 71,122.01 1
1
4120 N.W. 106TH AVENUE 7.500 667.45 55
7.250 667.45 133,000.00
CORAL SPRINGS FL 33065 5 09/18/97 00
0410552319 05 11/01/97 0
410552319 O 10/01/12
0
1642720 E22/G02 F 160,600.00 T
180 158,825.11 1
10325 EMERALD WOODS AVENUE 8.625 1,593.28 70
8.375 1,593.28 229,642.00
ORLANDO FL 32828 1 09/16/97 00
0410385157 03 11/01/97 0
410385157 O 10/01/12
0
1642730 E22/G02 F 59,650.00 ZZ
180 58,968.62 1
113 PANAMINT DRIVE 8.250 578.69 71
8.000 578.69 85,000.00
ANTIOCH TN 37013 5 09/19/97 00
0410544803 05 11/01/97 0
410544803 O 10/01/12
0
1642749 E22/G02 F 35,200.00 ZZ
180 33,708.07 1
5074 MATILDA #124 8.250 341.49 77
8.000 341.49 46,000.00
DALLAS TX 75206 2 09/16/97 00
0410537625 01 11/01/97 0
410537625 O 10/01/12
0
1642767 E22/G02 F 210,000.00 ZZ
180 207,601.24 1
4589 WALDEN DRIVE 8.250 2,037.29 56
8.000 2,037.29 380,000.00
BLOOMFIELD HILL MI 48301 5 09/24/97 00
0410545768 05 11/01/97 0
410545768 O 10/01/12
0
1642781 737/G02 F 45,000.00 ZZ
180 44,181.05 1
1829 AUGUSTA DRIVE 8.375 439.85 75
UNIT 14 8.125 439.85 60,000.00
HOUSTON TX 77057 2 09/29/97 00
0430437087 01 11/01/97 0
1
513622 N 10/01/12
0
1642803 G75/G75 F 88,000.00 ZZ
180 86,766.42 1
9 WOODBURY LANE 8.500 866.58 80
8.250 866.58 110,000.00
WEST HARTFORD CT 06117 1 08/28/97 00
03333755 01 10/01/97 0
03333755 O 09/01/12
0
1642806 E22/G02 F 43,400.00 ZZ
180 42,893.30 1
4899 SOUTH DUDLEY STREET UNIT 8.000 414.75 75
#14H 7.750 414.75 57,900.00
LITTLETON CO 80123 1 09/22/97 00
0410547459 01 11/01/97 0
410547459 N 10/01/12
0
1642823 G75/G75 F 130,000.00 ZZ
180 128,482.17 1
1948 SMITH ROAD 8.000 1,242.35 42
7.750 1,242.35 310,000.00
NORTHBROOK IL 60062 1 09/22/97 00
03353567 05 11/01/97 0
03353567 O 10/01/12
0
1642834 G75/G75 F 83,250.00 ZZ
180 82,267.33 3
2302 WEST GRACE STREET 7.875 789.59 90
7.625 789.59 92,500.00
RICHMOND VA 23220 1 09/11/97 10
03349114 05 11/01/97 25
03349114 O 10/01/12
0
1642839 G75/G75 F 228,750.00 ZZ
180 226,108.23 1
746 KENSINGTON COURT 8.125 2,202.60 79
7.875 2,202.60 290,000.00
WESTBURY NY 11590 1 09/16/97 00
03319438 05 11/01/97 0
03319438 O 10/01/12
0
1
1642846 E53/G02 F 136,500.00 ZZ
180 135,334.62 1
6001 SW 24TH STREET 8.250 1,324.24 75
8.000 1,324.24 182,000.00
MIAMI FL 33155 5 10/24/97 00
0430482513 05 12/01/97 0
0011108651 O 11/01/12
0
1642847 G75/G75 F 53,850.00 ZZ
180 53,193.32 1
3705 HICKORY HOUSE ROAD 7.500 499.20 68
7.250 499.20 80,000.00
SANFORD NC 27330 2 09/08/97 00
03335329 05 11/01/97 0
03335329 O 10/01/12
0
1642850 E22/G02 F 40,000.00 ZZ
180 39,522.69 1
701 NE 16TH STREET 7.750 376.51 48
7.500 376.51 85,000.00
FT LAUDERDALE FL 33304 5 09/29/97 00
0410547566 05 11/01/97 0
410547566 N 10/01/12
0
1642855 387/387 F 120,000.00 ZZ
180 117,152.58 1
6112 IRON HORSE DRIVE 7.500 1,112.41 63
7.250 1,112.41 192,500.00
NORTH RICHLAND TX 76180 1 08/20/97 00
1195512 03 10/01/97 0
1195512 O 09/01/12
0
1642856 G75/G75 F 58,400.00 ZZ
180 57,581.36 1
4009 SPRINGBRANCH 8.500 575.09 76
8.250 575.09 77,000.00
BENBROOK TX 76126 2 08/14/97 00
03330949 05 10/01/97 0
03330949 N 09/01/12
0
1642866 E22/G02 F 46,800.00 ZZ
180 46,265.39 1
8100 CAMBRIDGE STREET UNIT #91 8.250 454.03 90
8.000 454.03 52,000.00
1
HOUSTON TX 77054 1 09/26/97 04
0410561294 01 11/01/97 25
410561294 O 10/01/12
0
1642876 387/387 F 380,000.00 ZZ
180 374,313.61 1
1343 CAMINO MAGENTA 7.750 3,576.85 80
7.500 3,576.85 475,000.00
THOUSAND OAKS CA 91360 2 08/18/97 00
1197300 05 10/01/97 0
1197300 O 09/01/12
0
1642883 E22/G02 F 31,400.00 ZZ
180 31,056.79 1
1409 CHESTER STREET 8.750 313.83 90
8.500 313.83 34,900.00
ANDERSON IN 46012 1 09/10/97 04
0410513188 05 11/01/97 25
410513188 N 10/01/12
0
1642888 E22/G02 F 224,800.00 ZZ
180 222,088.28 1
100 KINGSWAY DRIVE 7.625 2,099.92 80
7.375 2,099.92 281,000.00
DUNN NC 28334 5 10/02/97 00
0410521280 05 11/01/97 0
410521280 O 10/01/12
0
1642923 A52/G02 F 115,200.00 ZZ
180 113,532.09 1
1886 PEARL WAY 7.375 1,059.75 80
7.125 1,059.75 144,000.00
LILBURN GA 30047 5 10/23/97 00
0430443218 05 12/01/97 0
232411 O 11/01/12
0
1642932 623/623 F 200,000.00 T
180 197,561.17 1
144 HARBOR DR 7.500 1,854.02 79
# 23 7.250 1,854.02 255,000.00
LUDINGTON MI 49431 1 09/22/97 00
944773 01 11/01/97 0
944773 O 10/01/12
0
1
1642988 B32/G02 F 94,000.00 ZZ
180 93,232.24 1
9913 STACY LANE 8.750 939.48 54
8.500 939.48 175,000.00
UNION IL 60180 5 10/30/97 00
0430502427 05 12/01/97 0
82254821 O 11/01/12
0
1642998 G18/G02 F 110,500.00 ZZ
180 109,524.98 4
615-621 HAMEL ROAD 7.875 1,048.04 63
7.625 1,048.04 176,000.00
HAMEL MN 55340 2 10/28/97 00
0430491274 05 12/01/97 0
97028 N 11/01/12
0
1643011 A36/A36 F 41,100.00 ZZ
180 40,856.37 1
305 GROVE COURT 7.750 386.86 80
7.500 386.86 51,415.00
BARSTOW CA 92311 1 11/10/97 00
216085 05 01/01/98 0
216085 N 12/01/12
0
1643079 E22/G02 F 135,000.00 ZZ
180 133,808.80 1
2936 SOUTH KIHEI UNIT #513 7.875 1,280.41 70
7.625 1,280.41 195,000.00
KIHEI HI 96753 1 09/30/97 00
0410552392 08 12/01/97 0
410552392 N 11/01/12
0
1643099 830/830 F 115,000.00 ZZ
180 113,627.73 1
4035 SOUTH 1300 EAST 7.750 1,082.47 56
7.500 1,082.47 207,000.00
SALT LAKE CITY UT 84124 5 09/25/97 00
532659 05 11/01/97 0
532659 O 10/01/12
0
1643120 E22/G02 F 215,500.00 ZZ
180 213,011.28 1
1
72 PRINCEWOOD LANE 8.125 2,075.01 80
7.875 2,075.01 270,000.00
PALM BEACH GARD FL 33410 2 09/12/97 00
0410494629 03 11/01/97 0
410494629 O 10/01/12
0
1643131 E22/G02 F 48,000.00 T
180 47,457.71 1
19051 COLLINS AVENUE UNIT E221 8.375 469.16 75
8.125 469.16 64,000.00
MIAMI BEACH FL 33160 1 09/24/97 00
0410513063 01 11/01/97 0
410513063 O 10/01/12
0
1643138 E22/G02 F 28,350.00 ZZ
180 27,796.40 1
1605 RIVERSIDE DRIVE 8.625 281.25 90
8.375 281.25 31,500.00
GAUTIER MS 39553 1 09/29/97 10
0410522262 05 11/01/97 25
410522262 N 10/01/12
0
1643179 313/G02 F 32,400.00 ZZ
180 32,220.25 2
4517 & 4519 RUGHEIMER STREET 8.500 319.06 90
8.250 319.06 36,000.00
NORTH CHARLESTO SC 29405 1 11/05/97 04
0430492272 05 01/01/98 25
6318323 N 12/01/12
0
1643188 B28/G02 F 43,200.00 ZZ
180 42,717.25 1
1610 MARIAN DRIVE 8.500 425.41 80
8.250 425.41 54,000.00
JEFFERSON CITY MO 65109 1 09/26/97 00
0430447631 05 11/01/97 0
UNKNOWN N 10/01/12
0
1643284 559/G02 F 80,000.00 ZZ
180 79,055.72 1
5325 SOONER TRAIL NW 7.875 758.76 80
7.625 758.76 100,000.00
ALBUQUERQUE NM 87120 5 09/17/97 00
0430437368 05 11/01/97 0
1
5445473 O 10/01/12
0
1643299 765/G02 F 210,000.00 ZZ
180 208,147.02 1
1809 COCHISE CIRCLE 7.875 1,991.75 56
7.625 1,991.75 375,000.00
WALNUT CA 91789 5 10/03/97 00
0430437020 05 12/01/97 0
326630 O 11/01/12
0
1643327 638/G02 F 265,000.00 ZZ
180 261,485.41 1
5364 RINCON BEACH PARK DRIVE 7.625 2,475.44 65
7.375 2,475.44 410,000.00
VENTURA CA 93001 2 10/27/97 00
0430494625 05 12/01/97 0
08671028 O 11/01/12
0
1643329 375/G02 F 86,800.00 ZZ
180 85,528.95 1
2927 GREEN RUN LANE 8.000 829.51 80
7.750 829.51 108,500.00
SAN ANTONIO TX 78231 1 08/08/97 00
0430440347 05 10/01/97 0
672835 O 09/01/12
0
1643358 E73/G02 F 33,600.00 ZZ
180 33,303.53 1
79 LIBERTY COURT 7.875 318.68 80
7.625 318.68 42,000.00
ABSECON NJ 08201 1 10/03/97 00
0430434811 01 12/01/97 0
800032631 N 11/01/12
0
1643361 375/G02 F 160,000.00 ZZ
180 156,412.08 1
ROUTE 1 BOX 131 8.625 1,587.33 80
8.375 1,587.33 200,000.00
COPAN OK 74022 1 06/04/97 00
0430483008 05 07/01/97 0
662112 O 06/01/12
0
1
1643398 375/G02 F 13,500.00 ZZ
180 13,228.44 1
1542 KENDRON STREET 9.000 136.93 90
8.750 136.93 15,000.00
TOLEDO OH 43605 1 06/30/97 10
0430440461 05 08/01/97 25
662813 N 07/01/12
0
1643517 591/G02 F 119,900.00 ZZ
180 118,770.74 1
12008 MARVEL LANE 7.125 1,086.10 77
6.875 1,086.10 156,702.00
BOWIE MD 20720 1 10/24/97 00
0430480558 05 12/01/97 0
102804104 N 11/01/12
0
1643689 225/225 F 25,600.00 ZZ
180 25,317.05 1
318 YAUPON DRIVE 8.625 253.98 80
8.375 253.98 32,000.00
ONALASKA TX 77360 1 10/03/97 00
8065966 05 11/01/97 0
8065966 N 10/01/12
0
1643758 E13/G02 F 101,600.00 ZZ
180 100,362.49 3
202 SUNRISE AVENUE 8.250 985.67 80
8.000 985.67 127,000.00
LANTANA FL 33462 1 10/03/97 00
0430443879 05 12/01/97 0
228275 N 11/01/12
0
1643761 811/G02 F 175,000.00 T
180 173,455.85 1
540 BRICKELL KEY DRIVE 7.875 1,659.79 70
7.625 1,659.79 250,000.00
MIAMI FL 33131 1 10/07/97 00
0430443788 06 12/01/97 0
FM00107282 O 11/01/12
0
1643786 B57/G02 F 227,500.00 ZZ
180 225,578.98 1
889 NORTH BEVERLY GLEN BLVD 8.375 2,223.65 65
8.125 2,223.65 350,000.00
1
LOS ANGELES CA 90077 1 10/09/97 00
0430440941 05 12/01/97 0
9730580 O 11/01/12
0
1643793 573/G02 F 71,000.00 ZZ
180 69,799.81 1
850 BRASS RING ROAD 7.750 668.31 69
7.500 668.31 103,000.00
LAS VEGAS NV 89123 2 09/29/97 00
0430441055 05 11/01/97 0
118852 N 10/01/12
0
1643794 573/G02 F 62,950.00 ZZ
180 62,198.81 1
741 INGLENOOK DRIVE 7.750 592.54 63
7.500 592.54 101,000.00
LAS VEGAS NV 89123 2 09/29/97 00
0430445502 03 11/01/97 0
118851 N 10/01/12
0
1643795 573/G02 F 47,800.00 ZZ
180 47,179.06 1
3804 BUDLONG AVENUE 7.750 449.93 68
7.500 449.93 71,000.00
LAS VEGAS NV 89110 2 09/29/97 00
0430441030 05 11/01/97 0
118850 N 10/01/12
0
1643803 387/387 F 110,000.00 ZZ
180 108,060.59 1
11411 WASHINGTON PLACE 8.000 1,051.22 62
7.750 1,051.22 180,000.00
LOS ANGELES CA 90066 5 07/25/97 00
1175868 05 09/01/97 0
1175868 N 08/01/12
0
1643804 387/387 F 129,500.00 ZZ
180 127,241.42 1
2846 REDDING ROAD 8.125 1,246.93 74
7.875 1,246.93 175,000.00
ATLANTA GA 30319 5 07/16/97 00
1175074 05 09/01/97 0
1175074 O 08/01/12
0
1
1643805 387/387 F 118,750.00 ZZ
180 116,874.91 1
7532 IVY AVENUE 7.125 1,075.67 55
6.875 1,075.67 215,990.00
WESTMINSTER CA 92683 1 08/11/97 00
1190453 03 10/01/97 0
1190453 O 09/01/12
0
1643806 387/387 F 445,000.00 ZZ
180 439,514.63 1
5723 SEAVIEW AVENUE N.W. 7.375 4,093.66 53
UNITE #E 7.125 4,093.66 850,000.00
SEATTLE WA 98107 2 09/02/97 00
67602763 01 11/01/97 0
67602763 O 10/01/12
0
1643808 387/387 F 154,000.00 ZZ
180 151,314.11 1
342 NORTH HEMLOCK AVENUE 8.125 1,482.84 70
7.875 1,482.84 220,000.00
WOOD DALE IL 60191 5 07/24/97 00
1176718 05 09/01/97 0
1176718 O 08/01/12
0
1643809 387/387 F 83,200.00 ZZ
180 81,900.22 1
2005 BURTON STREET #32 7.250 759.50 80
7.000 759.50 104,000.00
SAN DIEGO CA 92111 1 08/14/97 00
1196005 01 10/01/97 0
1196005 O 09/01/12
0
1643810 387/387 F 414,000.00 ZZ
180 407,737.55 1
4143 HUBARTI DRIVE 7.625 3,867.30 60
7.375 3,867.30 690,000.00
PALO ALTO CA 94306 2 08/26/97 00
1196039 05 10/01/97 0
1196039 O 09/01/12
0
1643812 387/387 F 400,000.00 ZZ
180 393,824.87 1
1
202 WEST CLIFF STREET 7.750 3,765.10 66
7.500 3,765.10 610,000.00
SOLANA BEACH CA 92075 2 08/22/97 00
1194729 05 10/01/97 0
1194729 O 09/01/12
0
1643813 387/387 F 102,800.00 ZZ
180 101,261.69 1
9857 NORTHRUP DRIVE 7.750 967.63 64
7.500 967.63 160,950.00
RENO NV 89511 1 08/22/97 00
1189885 03 10/01/97 0
1189885 O 09/01/12
0
1643814 387/387 F 110,000.00 ZZ
180 108,281.52 1
2109 CARAWAY STREET 7.250 1,004.15 73
7.000 1,004.15 152,000.00
ESONDIDO CA 92026 5 08/14/97 00
1193648 05 10/01/97 0
1193648 O 09/01/12
0
1643860 076/076 F 56,600.00 ZZ
180 55,487.60 1
520 NW 52ND TERRACE 8.625 561.52 75
8.375 561.52 75,500.00
GAINESVILLE FL 32607 1 06/13/97 00
8504332 05 08/01/97 0
8504332 N 07/01/12
0
1643881 F96/G02 F 350,000.00 ZZ
180 346,072.60 1
135 BATHGATE AVENUE 7.750 3,294.47 70
7.500 3,294.47 500,000.00
STATEN ISLAND NY 10312 5 10/06/97 00
0430500629 05 12/01/97 0
033004 O 11/01/12
0
1643884 E22/G02 F 15,750.00 T
180 15,575.94 1
6102 SEAWALL BLVD UNIT #164 8.625 156.25 75
8.375 156.25 21,000.00
GALVESTON TX 77551 1 09/30/97 00
0410535462 01 11/01/97 0
1
410535462 O 10/01/12
0
1643885 369/G02 F 191,250.00 ZZ
180 188,992.53 1
1426 DUBLIN ROAD 7.875 1,813.92 85
7.625 1,813.92 225,000.00
MAPLE GLEN PA 19002 5 09/26/97 01
0430443960 05 11/01/97 12
0061013520 O 10/01/12
0
1643889 E22/G02 F 59,100.00 ZZ
180 58,432.29 1
63 WALNUT RIDGE DRIVE 8.375 577.66 80
8.125 577.66 73,900.00
CLYDE NC 28721 1 09/30/97 00
0410542153 05 11/01/97 0
410542153 O 10/01/12
0
1643891 E22/G02 F 43,700.00 ZZ
180 43,189.77 1
8935 RIDGE ROAD 8.000 417.62 60
7.750 417.62 73,700.00
SEMINOLE FL 33772 1 09/30/97 00
0410553994 05 11/01/97 0
410553994 O 10/01/12
0
1643905 E22/G02 F 250,000.00 ZZ
180 247,144.32 1
3919 WEST LAKE DRIVE 8.250 2,425.35 57
8.000 2,425.35 441,800.00
AUSTIN TX 78746 1 09/30/97 00
0410541387 05 11/01/97 0
410541387 O 10/01/12
0
1643909 E22/G02 F 31,850.00 ZZ
180 31,486.19 1
2516 COMMONWEALTH UNIT #201 8.250 308.99 75
8.000 308.99 42,500.00
HOUSTON TX 77006 1 09/30/97 00
0410563191 01 11/01/97 0
410563191 O 10/01/12
0
1
1643910 E22/G02 F 50,600.00 ZZ
180 49,982.96 1
2206 RICHBROOK DRIVE 7.500 469.07 75
7.250 469.07 67,500.00
GARLAND TX 75044 1 09/30/97 00
0410561773 05 11/01/97 0
410561773 O 10/01/12
0
1643938 766/G02 F 300,000.00 ZZ
180 296,684.51 1
1643 BRICKELL AVE UNIT 1606 8.625 2,976.24 71
8.375 2,976.24 425,000.00
MIAMI FL 33129 1 10/01/97 00
0430496059 06 11/01/97 0
97SG0525 O 10/01/12
0
1643966 180/G02 F 42,000.00 ZZ
180 41,764.40 1
317 FLOMICH AVENUE 8.375 410.52 90
8.125 410.52 47,000.00
HOLLY HILL FL 32117 1 11/17/97 01
0430529313 05 01/01/98 30
0012110359 N 12/01/12
0
1644037 637/G02 F 146,250.00 T
180 144,542.46 1
16787 PERDIDO KEY DRIVE 8.000 1,397.64 75
# A-703 7.750 1,397.64 195,000.00
PENSACOLA FL 32507 1 09/27/97 00
0430489351 08 11/01/97 0
8452021 O 10/01/12
0
1644052 G75/G75 F 50,600.00 ZZ
180 49,989.61 1
8272 CLEARSPRINGS ROAD 7.625 472.67 73
7.375 472.67 70,000.00
DALLAS TX 75240 2 09/29/97 00
03352402 05 11/01/97 0
03352402 N 10/01/12
0
1644070 450/450 F 90,000.00 ZZ
180 89,170.51 1
887 LAGUNA DR 7.375 827.93 33
7.125 827.93 275,000.00
1
VLG OF WOLVERIN MI 48390 5 10/09/97 00
4404471 05 12/01/97 0
4404471 O 11/01/12
0
1644094 731/G02 F 100,000.00 ZZ
180 98,508.58 1
5062 AVENIDA HACIENDA 7.875 948.45 25
TARZANA AREA 7.625 948.45 400,000.00
LOS ANGELES CA 91356 5 10/08/97 00
0430463174 05 12/01/97 0
6000262 O 11/01/12
0
1644114 225/225 F 50,000.00 ZZ
180 49,716.37 2
16 CHARLES AVE 8.250 485.08 53
8.000 485.08 95,000.00
WESTERLY RI 02891 1 11/06/97 00
8065894 05 01/01/98 0
8065894 O 12/01/12
0
1644183 E22/G02 F 78,000.00 ZZ
180 77,341.38 1
11752 LAVENDER COURT 8.375 762.39 75
8.125 762.39 104,000.00
AUBURN CA 95602 1 10/08/97 00
0410556757 05 12/01/97 0
410556757 N 11/01/12
0
1644218 966/G02 F 37,500.00 ZZ
180 37,176.30 1
6009 TARRYTOWN TERRACE #5206 8.125 361.08 75
7.875 361.08 50,000.00
UNIVERSITY PARK TX 75205 1 10/27/97 00
0430498642 01 12/01/97 0
30004519 N 11/01/12
0
1644332 208/G02 F 148,000.00 ZZ
180 146,606.12 1
7805 OAKLAND NE 7.125 1,340.63 80
6.875 1,340.63 185,000.00
ALBUQUERQUE NM 87113 5 10/14/97 00
0430485128 05 12/01/97 0
34322 O 11/01/12
0
1
1644339 K30/G02 F 78,000.00 ZZ
180 77,109.02 1
1700 BERNARD AVENUE 8.250 756.71 89
8.000 756.71 87,700.00
NASHVILLE TN 37212 1 10/01/97 11
0430438770 05 11/01/97 25
0050671 N 10/01/12
0
1644362 E22/G02 F 65,250.00 ZZ
180 63,471.98 1
2421 N WOODS STREET 8.375 637.77 90
8.125 637.77 72,500.00
SHERMAN TX 75090 1 10/03/97 04
0410550867 05 11/01/97 25
410550867 N 10/01/12
0
1644490 757/757 F 75,200.00 ZZ
180 74,543.66 1
1425 COUNTRY LANE DRIVE 8.000 718.66 80
7.750 718.66 94,000.00
CONYERS GA 30207 1 10/15/97 00
3209434 05 12/01/97 0
3209434 O 11/01/12
0
1644501 B75/G02 F 69,000.00 ZZ
180 68,599.87 1
4219 SOUTHEAST 25TH AVENUE 8.000 659.40 63
7.750 659.40 110,000.00
PORTLAND OR 97202 5 11/06/97 00
0430506881 05 01/01/98 0
7009731 N 12/01/12
0
1644507 129/G02 F 49,400.00 ZZ
180 48,860.04 1
12117 JOHNSON ST 8.750 493.73 90
8.500 493.73 54,900.00
GRAND HAVEN MI 49417 1 10/28/97 10
0430580829 05 12/01/97 25
UNKNOWN N 11/01/12
0
1644758 E22/G02 F 150,400.00 ZZ
180 148,624.74 1
1
3911 MIDFOREST DRIVE 7.875 1,426.47 80
7.625 1,426.47 188,000.00
HOUSTON TX 77068 2 09/09/97 00
0410543698 05 11/01/97 0
410543698 O 10/01/12
0
1644767 E22/G02 F 75,000.00 ZZ
180 74,189.30 2
2420 GARFIELD STREET 8.875 755.13 75
8.625 755.13 100,000.00
HOLLYWOOD FL 33020 1 10/03/97 00
0410565709 05 11/01/97 0
410565709 N 10/01/12
0
1644771 E22/G02 F 37,100.00 ZZ
180 33,146.67 1
11241 WINDTREE DRIVE EAST 8.625 368.06 80
8.375 368.06 46,400.00
JACKSONVILLE FL 32257 1 09/30/97 04
0410558043 07 11/01/97 12
410558043 N 10/01/12
0
1645073 375/G02 F 125,000.00 ZZ
180 123,088.66 1
3180 BLUECREEK ROAD 7.500 1,158.77 55
7.250 1,158.77 230,000.00
COEUR D'ALENE ID 83814 2 08/08/97 00
0430444646 05 10/01/97 0
668709 O 09/01/12
0
1645194 624/G02 F 45,000.00 ZZ
180 44,620.02 1
8341 HOFFERBER ROAD 8.375 439.84 40
8.125 439.84 115,000.00
SHEPHERD MT 59079 5 10/29/97 00
0430491308 05 12/01/97 0
76000870213 O 11/01/12
0
1645228 E13/G02 F 125,000.00 ZZ
180 123,884.91 1
6238 GLIDER DRIVE 7.750 1,176.60 43
7.500 1,176.60 295,000.00
SAN JOSE CA 95123 5 10/01/97 00
0430475483 05 12/01/97 0
1
81377 O 11/01/12
0
1645348 E22/G02 F 76,000.00 ZZ
180 75,093.10 1
895 RIVIERA DRIVE NE 7.750 715.37 80
7.500 715.37 95,000.00
PALM BAY FL 32905 5 09/25/97 00
0410549901 05 11/01/97 0
410549901 O 10/01/12
0
1645364 E22/G02 F 94,900.00 T
180 93,851.21 1
825 MONTANA AVE. 8.625 941.48 70
8.375 941.48 135,990.00
DAVENPORT FL 33837 1 09/15/97 00
0410538672 03 11/01/97 0
410538672 O 10/01/12
0
1645402 E22/G02 F 98,400.00 ZZ
180 97,263.61 1
29555 NORMA 8.125 947.48 80
7.875 947.48 123,000.00
WARREN MI 48093 1 10/03/97 00
0410552939 05 11/01/97 0
410552939 O 10/01/12
0
1645442 E26/G02 F 76,800.00 ZZ
180 76,092.14 1
3223 STONE EAGLE COURT 7.375 706.51 80
7.125 706.51 96,000.00
ABINGDON MD 21009 2 10/16/97 00
0430447128 07 12/01/97 0
49700033 N 11/01/12
0
1646433 B28/G02 F 80,800.00 ZZ
180 79,845.65 1
80 LYNWOOD DRIVE 7.875 766.35 80
7.625 766.35 101,000.00
RIO RANCHO NM 87124 5 09/24/97 00
0430447789 05 11/01/97 0
05970968 O 10/01/12
0
1
1646457 560/560 F 550,000.00 T
180 545,252.30 1
3045 TEMPLE KNOLLS 8.125 5,295.86 58
7.875 5,295.86 950,000.00
STEAMBOAT SPRG CO 80477 5 10/09/97 00
450880083 05 12/01/97 0
450880083 O 11/01/12
0
1646459 560/560 F 50,000.00 ZZ
180 49,357.50 2
5 PARKIN AVENUE 7.875 474.23 60
7.625 474.23 84,000.00
TAUNTON MA 02780 5 10/09/97 00
450879762 05 12/01/97 0
450879762 N 11/01/12
0
1646467 G10/G02 F 102,400.00 ZZ
180 96,476.51 1
6140 MARQUITA AVENUE 7.625 956.55 80
7.375 956.55 128,000.00
DALLAS TX 75214 1 10/14/97 00
0430441634 05 12/01/97 0
971153 O 11/01/12
0
1646472 560/560 F 119,250.00 ZZ
180 118,220.60 2
1827/1829 COLQUITT ST 8.125 1,148.24 90
7.875 1,148.24 132,500.00
HOUSTON TX 77098 1 10/01/97 04
450873948 05 12/01/97 25
450873948 N 11/01/12
0
1646483 560/560 F 82,450.00 ZZ
180 81,738.27 1
9928 TIFFANY DRIVE 8.125 793.90 85
7.875 793.90 97,000.00
FORT WAYNE IN 46804 5 10/02/97 04
450877766 05 12/01/97 17
450877766 O 11/01/12
0
1646484 560/560 F 47,100.00 ZZ
180 46,531.82 1
601 OXFORD STREET 7.625 439.98 55
7.375 439.98 87,000.00
1
PORTERVILLE CA 93257 2 09/26/97 00
450875406 05 11/01/97 0
450875406 O 10/01/12
0
1646500 498/G02 F 90,000.00 ZZ
180 89,240.03 1
708 9TH AVENUE S.W 8.375 879.69 63
8.125 879.69 145,000.00
RUSKIN FL 33570 1 10/06/97 00
0430445429 05 12/01/97 0
1500982 O 11/01/12
0
1646568 765/G02 F 120,000.00 ZZ
180 118,952.68 1
1679 LONGVIEW STREET 8.000 1,146.79 66
7.750 1,146.79 182,000.00
SAN JOSE CA 95122 5 10/07/97 00
0430445932 05 12/01/97 0
141286 O 11/01/12
0
1646574 637/G02 F 68,000.00 ZZ
180 67,214.70 1
4325 BETHLEHEM ROAD 8.125 654.76 76
7.875 654.76 90,000.00
DOVER FL 33527 1 09/30/97 00
0430447219 05 11/01/97 0
8194375 O 10/01/12
0
1646576 005/G02 F 54,000.00 ZZ
180 53,533.85 2
1360 PINNACLE DR 8.125 519.96 50
7.875 519.96 109,000.00
PENSACOLA FL 32504 1 10/30/97 00
0430475798 05 12/01/97 0
107725 N 11/01/12
0
1646605 H93/G02 F 38,500.00 ZZ
180 38,286.42 1
2423 S NORWOOD AVENUE 8.500 379.12 70
8.250 379.12 55,000.00
INDEPENDENCE MO 64050 5 11/03/97 00
0430529677 05 01/01/98 0
9740963 N 12/01/12
0
1
1646614 405/405 F 139,200.00 ZZ
180 137,609.94 1
3839 APPIAN WAY 8.250 1,350.44 80
8.000 1,350.44 174,000.00
GLENVIEW IL 60025 2 09/29/97 00
8321168 01 11/01/97 0
8321168 O 10/01/12
0
1646620 140/G02 F 36,000.00 ZZ
180 35,705.97 2
608-610 PARK BOULEVARD 8.750 359.80 90
8.500 359.80 40,000.00
NEW ORLEANS LA 70114 1 10/31/97 04
0430486001 05 12/01/97 20
438048 N 11/01/12
0
1646625 E22/G02 F 161,500.00 ZZ
180 159,798.89 1
12 LYNCH TRAIL 8.250 1,566.78 85
8.000 1,566.78 190,000.00
EDGEWOOD NM 87015 5 10/03/97 23
0410479091 05 12/01/97 0
410479091 O 11/01/12
0
1646626 E22/G02 F 25,500.00 T
180 25,211.92 1
14452 CANALVIEW DRIVE 8.375 249.24 75
UNIT # B 8.125 249.24 34,000.00
DELRAY BEACH FL 33484 1 09/22/97 00
0410525232 01 11/01/97 0
410525232 O 10/01/12
0
1646645 405/405 F 88,500.00 ZZ
180 87,443.94 1
2411 SURREY COURT 7.750 833.03 75
7.500 833.03 118,000.00
LINCOLN NE 68512 5 09/19/97 00
8312100 05 11/01/97 0
8312100 O 10/01/12
0
1646779 405/405 F 32,000.00 ZZ
180 30,991.45 1
1
150 SW 134TH WAY #205 8.375 312.78 80
8.125 312.78 40,000.00
PEMBROKE PINES FL 33027 1 04/24/97 00
4174579 03 06/01/97 0
4174579 N 05/01/12
0
1646794 909/G02 F 224,990.00 ZZ
180 222,246.41 1
6408 DWANE AVENUE 7.500 2,085.69 75
7.250 2,085.69 300,000.00
SAN DIEGO CA 92120 1 09/05/97 00
0430522722 05 11/01/97 0
6005411 O 10/01/12
0
1646808 E22/G02 F 21,600.00 ZZ
180 21,427.47 1
2009 EAST MARYLAND AVENUE 9.000 219.08 90
8.750 219.08 24,000.00
FLINT MI 48506 1 10/07/97 04
0410560528 05 12/01/97 25
410560528 N 11/01/12
0
1646815 E22/G02 F 31,850.00 ZZ
180 31,490.17 1
260 EL DORADO BLVD. 8.375 311.31 90
UNIT # 903 8.125 311.31 35,409.00
WEBSTER TX 77598 1 09/30/97 11
0410547210 01 11/01/97 25
410547210 O 10/01/12
0
1646819 E22/G02 F 37,100.00 ZZ
180 36,662.11 1
4642 NW 185 STREET 7.875 351.87 70
7.625 351.87 53,000.00
MIAMI FL 33055 5 10/01/97 00
0410530497 07 11/01/97 0
410530497 N 10/01/12
0
1646826 E22/G02 F 68,000.00 ZZ
180 67,214.70 1
3 POINT O'WOODS TERRACE 8.125 654.76 80
UNIT # 3 7.875 654.76 85,000.00
VERNON NJ 07462 1 10/03/97 00
0410435127 01 11/01/97 0
1
410435127 O 10/01/12
0
1646830 E22/G02 F 214,000.00 ZZ
180 212,172.94 1
29 GAY SE 8.250 2,076.10 63
8.000 2,076.10 340,000.00
GRAND RAPIDS MI 49503 5 10/02/97 00
0410548523 05 12/01/97 0
410548523 O 11/01/12
0
1646840 180/G02 F 29,500.00 ZZ
180 29,261.72 2
2930-32 WEST 11TH STREET 8.875 297.02 90
8.625 297.02 32,810.00
INDIANAPOLIS IN 46222 1 10/03/97 12
0430442665 05 12/01/97 25
12044038 N 11/01/12
0
1647120 687/G02 F 24,300.00 ZZ
180 24,171.08 1
230 HOWMAN AVENUE 9.000 246.47 90
8.750 246.47 27,000.00
HAMILTON OH 45011 1 11/03/97 01
0430494526 05 01/01/98 25
UNKNOWN N 12/01/12
0
1647140 405/405 F 124,000.00 ZZ
180 122,583.55 1
292 JOSEPHINE STREET 8.250 1,202.98 88
8.000 1,202.98 142,000.00
ATLANTA GA 30033 2 09/18/97 01
8307779 05 11/01/97 25
8307779 N 10/01/12
0
1647197 G81/G02 F 75,900.00 ZZ
180 75,020.27 1
15887 SW 68 TERRACE 8.500 747.42 69
8.250 747.42 110,900.00
MIAMI FL 33193 1 10/24/97 00
0430483230 09 12/01/97 0
21703067 O 11/01/12
0
1
1647199 225/225 F 90,000.00 ZZ
180 88,917.85 1
7383 S ELONI CIRCLE 7.875 853.61 72
7.625 853.61 125,000.00
WEST JORDAN UT 84084 2 09/24/97 00
8064831 05 11/01/97 0
8064831 O 10/01/12
0
1647202 225/225 F 232,000.00 ZZ
180 229,170.93 1
24131 SE 225TH STREET 7.500 2,150.67 80
7.250 2,150.67 290,000.00
MAPLE VALLEY WA 98038 2 09/25/97 00
8061995 05 11/01/97 0
8061995 O 10/01/12
0
1647246 E22/G02 F 35,600.00 ZZ
180 34,917.09 1
1112 PINTAIL PLACE 8.875 358.44 90
8.625 358.44 39,580.00
EDMOND OK 73003 1 10/15/97 04
0410564967 05 12/01/97 25
410564967 N 11/01/12
0
1647257 E22/G02 F 50,900.00 ZZ
180 50,349.51 1
1019 NORTH LINDEN STREET 8.875 512.49 90
8.625 512.49 56,580.00
MUNCIE IN 47303 1 09/22/97 04
0410527691 05 11/01/97 25
410527691 N 10/01/12
0
1647267 E22/G02 F 138,750.00 ZZ
180 137,565.41 1
540 ASHBOURNE ROAD 8.250 1,346.07 75
8.000 1,346.07 185,000.00
CHELTENHAM PA 19012 5 10/03/97 00
0410554216 05 12/01/97 0
410554216 O 11/01/12
0
1647271 E22/G02 F 172,450.00 ZZ
180 170,877.76 1
3711 EVERTON DR 7.500 1,598.63 80
7.250 1,598.63 215,576.00
1
FLOWER MOUND TX 75028 1 10/07/97 00
0410560346 03 12/01/97 0
410560346 O 11/01/12
0
1647273 E22/G02 F 100,000.00 ZZ
180 99,127.26 1
34500 HEARTSWORTH 8.000 955.65 51
7.750 955.65 197,000.00
STERLING HEIGHT MI 48312 1 10/06/97 00
0410564132 05 12/01/97 0
410564132 O 11/01/12
0
1647279 E22/G02 F 332,000.00 ZZ
180 328,123.75 1
7560 PEPPERBELL DR 8.000 3,172.76 80
7.750 3,172.76 415,000.00
BETHESDA MD 20817 1 09/30/97 00
0410563704 05 11/01/97 0
410563704 O 10/01/12
0
1647281 E22/G02 F 224,900.00 ZZ
180 222,216.34 1
3500 WEST 42ND AVE 7.750 2,116.93 46
7.500 2,116.93 490,000.00
KENNEWICK WA 99337 2 09/12/97 00
0410529085 03 11/01/97 0
410529085 O 10/01/12
0
1647282 E22/G02 F 64,800.00 ZZ
180 64,165.27 1
11385 EGGERT ROAD 7.625 605.32 50
7.375 605.32 130,000.00
IDA MI 48140 2 10/02/97 00
0410542476 05 12/01/97 0
410542476 O 11/01/12
0
1647289 E22/G02 F 120,000.00 ZZ
180 118,692.15 1
411 EDGEWOOD ROAD 7.375 1,103.91 80
7.125 1,103.91 150,000.00
MANSFIELD OH 44907 2 10/09/97 00
0410558746 05 12/01/97 0
410558746 O 11/01/12
0
1
1647303 H81/G02 F 63,000.00 ZZ
180 62,479.65 2
1231 WIRTZ AVENUE 8.625 625.02 90
8.375 625.02 70,000.00
GREEN BAY WI 54304 1 10/31/97 10
0430487363 05 12/01/97 20
2737 N 11/01/12
0
1647484 E29/G02 F 290,000.00 ZZ
180 287,384.63 1
7472 SOUTH ODESSA CIRCLE 7.625 2,708.98 63
7.375 2,708.98 465,000.00
AURORA CO 80016 2 10/21/97 00
0430462432 05 12/01/97 0
9709007 O 11/01/12
0
1647576 H05/H05 F 200,000.00 ZZ
180 198,136.59 1
81 BARDONIA ROAD 7.250 1,825.73 63
7.000 1,825.73 320,000.00
BARDONIA NY 10954 5 10/17/97 00
7100127 05 12/01/97 0
7100127 O 11/01/12
0
1647579 H05/H05 F 93,500.00 ZZ
180 92,674.99 1
1025 RUTHERFORD ROAD 7.875 886.80 85
7.625 886.80 110,000.00
GREENVILLE SC 29609 5 10/17/97 01
7090160 05 12/01/97 12
7090160 O 11/01/12
0
1647696 514/G02 F 100,000.00 ZZ
180 99,046.24 1
922 EAST CROSS ROAD 8.250 970.14 75
8.000 970.14 135,000.00
DANDRIDGE TN 37725 2 10/03/97 00
0430463349 05 12/01/97 0
362776 O 11/01/12
0
1647733 637/G02 F 44,550.00 ZZ
180 44,079.01 1
1
1506 CONNALLY TERRACE 9.125 455.18 89
8.875 455.18 50,500.00
ARLINGTON TX 76010 1 09/26/97 11
0430447821 05 11/01/97 25
9725714 N 10/01/12
0
1647744 757/757 F 235,000.00 ZZ
180 232,949.02 1
305 WEST YORK STREET 8.000 2,245.79 62
7.750 2,245.79 380,000.00
SAVANNAH GA 31401 5 10/16/97 00
3209350 07 12/01/97 0
3209350 O 11/01/12
0
1647788 B24/G02 F 41,400.00 ZZ
180 40,961.14 1
250 DANBURY RD 8.750 413.77 90
UNIT#5 8.500 413.77 46,000.00
NEW MILFORD CT 06776 1 10/31/97 14
0430445916 01 12/01/97 25
1647788 N 11/01/12
0
1647800 369/G02 F 74,250.00 ZZ
180 73,116.34 2
22 LINDEN AVENUE 8.500 731.17 90
8.250 731.17 82,500.00
MERCHANTVILLE NJ 08109 1 09/30/97 01
0430474007 05 11/01/97 25
61017786 N 10/01/12
0
1647820 E22/G02 F 150,000.00 ZZ
120 147,557.66 1
11586 COLERAIN AVENUE 8.250 1,839.79 54
8.000 1,839.79 280,000.00
CINCINNATI OH 45452 5 09/30/97 00
0410495766 05 12/01/97 0
410495766 O 11/01/07
0
1647855 561/561 F 70,000.00 ZZ
180 69,395.74 1
1503 MATTHEWS TERRACE 8.125 674.02 85
7.875 674.02 82,500.00
PORTSMOUTH VA 23704 5 10/20/97 12
9148180 05 12/01/97 20
1
9148180 O 11/01/12
0
1647869 E22/G02 F 76,900.00 ZZ
180 76,040.72 1
1495 SR 467 8.500 757.26 85
8.250 757.26 90,500.00
CLOVIS NM 88101 5 09/24/97 23
0410552111 05 11/01/97 0
410552111 O 10/01/12
0
1647871 E22/G02 F 44,500.00 ZZ
180 44,111.62 1
14800 ENTERPRISE DRIVE #5A 8.000 425.27 88
7.750 425.27 51,000.00
FARMERS BRANCH TX 75034 1 10/07/97 04
0410573166 01 12/01/97 25
410573166 O 11/01/12
0
1647877 E22/G02 F 39,900.00 ZZ
180 39,437.92 1
503 EAST MESA 8.250 387.09 70
8.000 387.09 57,000.00
HOBBS NM 88240 5 09/30/97 00
0410554133 05 11/01/97 0
410554133 N 10/01/12
0
1647879 E84/G02 F 128,000.00 ZZ
180 125,838.44 1
1507 SOUTH KENILWORTH AVENUE 8.750 1,279.29 80
8.500 1,279.29 160,000.00
BERWYN IL 60402 2 10/03/97 00
0430444257 05 12/01/97 0
PS9700070 O 11/01/12
0
1647901 E22/G02 F 75,000.00 ZZ
180 74,394.22 2
31 N.W. 36TH COURT 8.875 755.13 58
8.625 755.13 130,000.00
MIAMI FL 33125 5 10/10/97 00
0410549596 05 12/01/97 0
410549596 O 11/01/12
0
1
1647912 E22/G02 F 37,100.00 ZZ
180 36,694.47 1
4590 TODD STREET 8.750 370.80 70
8.500 370.80 53,000.00
LAKE WORTH FL 33463 2 09/29/97 00
0410549570 05 11/01/97 0
410549570 N 10/01/12
0
1647956 961/G02 F 457,500.00 ZZ
180 453,328.93 1
1739 NORTH LAUREL AVENUE 7.500 4,241.08 81
7.250 4,241.08 569,885.00
UPLAND CA 91786 1 10/06/97 00
0430445379 05 12/01/97 0
9110432 O 11/01/12
0
1647960 830/830 F 248,000.00 ZZ
180 245,008.41 1
2611 SAGEBRUSH TERRACE 7.625 2,316.64 77
7.375 2,316.64 325,000.00
SILVER SPRING MD 20905 2 10/01/97 00
532414 05 11/01/97 0
532414 O 10/01/12
0
1647961 B75/G02 F 174,000.00 ZZ
180 172,943.60 1
60 WHITTING WAY 7.500 1,613.00 63
7.250 1,613.00 280,000.00
NEEDHAM MA 02192 2 11/06/97 00
0430521955 05 01/01/98 0
7086226 O 12/01/12
0
1648027 883/G02 F 750,000.00 ZZ
180 743,525.87 1
2204 ASCOTT VALLEY TERRACE 8.125 7,221.62 45
7.875 7,221.62 1,700,000.00
DULUTH GA 30136 2 10/31/97 00
0430491415 03 12/01/97 0
10002212 O 11/01/12
0
1648032 225/225 F 114,000.00 ZZ
180 113,360.49 1
206 BUNKER HILL DRIVE 8.375 1,114.27 95
8.125 1,114.27 120,000.00
1
BOLINGBROOK IL 60440 2 11/05/97 04
8072172 05 01/01/98 25
8072172 O 12/01/12
0
1648048 G32/G32 F 125,000.00 ZZ
180 123,194.32 1
1 OAK BROOK CLUB 7.300 1,144.60 55
UNIT 207 7.050 1,144.60 230,000.00
OAK BROOK IL 60521 5 10/07/97 00
1000355 01 12/01/97 0
1000355 O 11/01/12
0
1648070 G41/G02 F 125,000.00 ZZ
180 121,135.96 1
207 CORNWALL DRIVE 8.375 1,221.78 72
8.125 1,221.78 175,000.00
CHALFONT PA 18914 5 10/02/97 00
0430449637 05 12/01/97 0
62000403 O 11/01/12
0
1648246 E73/G02 F 103,500.00 ZZ
180 102,586.74 2
871 WALNUT LANE 7.875 981.65 90
7.625 981.65 115,000.00
PHILADELPHIA PA 19144 1 10/31/97 10
0430517581 07 12/01/97 20
7000031804 N 11/01/12
0
1648252 685/G02 F 51,100.00 ZZ
180 50,673.27 1
10574 JONES ROAD 8.500 503.20 70
8.250 503.20 73,000.00
BELLEVUE MI 49021 5 10/13/97 00
0430463257 05 12/01/97 0
203503 O 11/01/12
0
1648393 E22/G02 F 54,000.00 ZZ
180 53,435.38 1
314 STOUT STREET 7.500 500.59 75
7.250 500.59 72,000.00
CRAIG CO 81625 5 10/03/97 00
0410522163 05 12/01/97 0
410522163 O 11/01/12
0
1
1648407 H99/G02 F 120,000.00 T
180 119,334.27 1
3595 SW 143 COURT 8.500 1,181.69 66
8.250 1,181.69 182,000.00
MIAMI FL 33186 5 11/07/97 00
0430502096 05 01/01/98 0
00000296 O 12/01/12
0
1648417 180/G02 F 26,550.00 ZZ
180 26,405.96 1
515 & 517 SOUTH 18TH STREET 8.750 265.35 90
8.500 265.35 29,500.00
NEW CASTLE IN 47362 1 11/17/97 12
0430526368 05 01/01/98 25
0012043170 N 12/01/12
0
1648449 144/144 F 105,000.00 ZZ
180 104,679.39 1
980 BULLVILLE ROAD 7.375 965.92 68
7.125 965.92 155,000.00
CRAWFORD NY 12549 1 12/16/97 00
971MORELLO 05 02/01/98 0
971MORELLO O 01/01/13
0
1648735 E22/G02 F 32,250.00 ZZ
180 31,983.64 3
2750 WEST NATIONAL ROAD 8.625 319.95 75
8.375 319.95 43,000.00
SPRINGFIELD OH 45501 5 10/07/97 00
0410502710 05 12/01/97 0
410502710 O 11/01/12
0
1648751 E22/G02 F 55,000.00 ZZ
180 54,540.68 1
24760 RADCLIFT 8.500 541.61 75
8.250 541.61 73,333.00
OAK PARK MI 48237 5 10/06/97 00
0410544027 05 12/01/97 0
410544027 O 11/01/12
0
1648752 E22/G02 F 46,300.00 ZZ
180 45,909.04 1
1
8540 SW 133RD AVENUE ROAD UNIT 8.375 452.55 80
#413 8.125 452.55 57,900.00
MIAMI FL 33183 1 10/09/97 00
0410557342 01 12/01/97 0
410557342 O 11/01/12
0
1648754 E22/G02 F 38,450.00 T
180 38,034.37 1
19051 COLLINS AVENUE UNIT E204 8.875 387.13 75
8.625 387.13 51,300.00
MIAMI BEACH FL 33160 1 10/03/97 00
0410560163 01 11/01/97 0
410560163 O 10/01/12
0
1648760 E22/G02 F 141,600.00 ZZ
180 140,035.07 2
21 FREDERICK TERRACE 8.625 1,404.79 80
8.375 1,404.79 177,000.00
IRVINGTON NJ 07111 2 10/01/97 00
0410532964 05 11/01/97 0
410532964 O 10/01/12
0
1648766 737/G02 F 126,200.00 ZZ
180 125,146.11 4
1530 GAYLORD STREET 8.500 1,242.74 73
8.250 1,242.74 173,000.00
DENVER CO 80206 2 10/17/97 00
0430472555 05 12/01/97 0
576566 N 11/01/12
0
1648767 E22/G02 F 78,000.00 ZZ
180 77,341.38 1
21525 PETERSON 8.375 762.39 85
8.125 762.39 92,000.00
SAUK VILLAGE IL 60411 5 10/10/97 23
0410564983 05 12/01/97 0
410564983 O 11/01/12
0
1648801 B35/G02 F 105,750.00 ZZ
180 104,857.05 1
LOT 452 CORNER OF WALLACE AND 8.375 1,033.63 62
AVE C 8.125 1,033.63 173,000.00
STROUD TOWNSHIP PA 18360 4 10/08/97 00
0430495952 05 12/01/97 0
1
9782010254 O 11/01/12
0
1648811 286/286 F 50,000.00 ZZ
180 49,558.81 1
1154 E COCHISE DR 7.875 474.23 73
7.625 474.23 69,000.00
PHOENIX AZ 85020 1 10/06/97 00
0008640919 09 12/01/97 0
0008640919 O 11/01/12
0
1648867 965/G02 F 76,700.00 ZZ
180 76,080.47 1
10241 EAST POTOMAC PLACE 8.875 772.25 65
8.625 772.25 118,000.00
TUCSON AZ 85748 5 10/24/97 00
0430475624 05 12/01/97 0
000 N 11/01/12
0
1648872 559/G02 F 106,000.00 T
180 105,134.21 1
34924 TOCK LANE 8.750 1,059.42 65
8.500 1,059.42 165,000.00
ANCHOR BAY CA 95445 5 10/16/97 00
0430474940 05 12/01/97 0
5445424 O 11/01/12
0
1648892 965/G02 F 45,500.00 ZZ
180 45,132.50 1
3718 SOUTH PANTANO ROAD 8.875 458.11 65
8.625 458.11 70,000.00
TUCSON AZ 85710 5 10/24/97 00
0430473421 05 12/01/97 0
000 N 11/01/12
0
1648949 286/286 F 44,100.00 ZZ
180 43,461.18 1
405 WRIGHT BOULEVARD 8.125 424.64 90
7.875 424.64 49,000.00
GRAND PRAIRIE TX 75050 1 08/27/97 10
0008429888 05 10/01/97 30
0008429888 N 09/01/12
0
1
1648977 B28/G02 F 318,750.00 ZZ
180 315,968.09 1
5555 CHUKAR TRAIL 8.000 3,046.15 75
7.750 3,046.15 425,000.00
COLORADO SPRING CO 80918 5 10/01/97 00
0430481804 05 12/01/97 0
05970517 O 11/01/12
0
1648987 965/G02 F 48,750.00 ZZ
180 48,353.20 1
7231 EAST POMEGRANATE STREET 8.875 490.84 65
8.625 490.84 75,000.00
TUCSON AZ 85730 5 10/24/97 00
0430473140 05 12/01/97 0
000 N 11/01/12
0
1649004 B75/G02 F 47,700.00 ZZ
180 47,301.65 1
241 NORTH 65TH WAY 8.500 469.72 59
8.250 469.72 81,000.00
HOLLYWOOD FL 33024 5 10/10/97 00
0430471524 05 12/01/97 0
7066855 O 11/01/12
0
1649036 225/225 F 56,000.00 ZZ
180 55,470.99 1
1883 ORCHARD STREET 7.875 531.14 50
7.625 531.14 114,000.00
DES PLAINES IL 60016 2 11/04/97 00
8067333 03 01/01/98 0
8067333 O 12/01/12
0
1649183 E22/G02 F 49,500.00 ZZ
180 48,964.92 1
4916 WESTERN HILLS AVENUE 8.875 498.39 90
8.625 498.39 55,000.00
LITTLE ROCK AR 72204 1 10/02/97 10
0410542708 05 11/01/97 25
410542708 N 10/01/12
0
1649202 E22/G02 F 131,000.00 ZZ
180 129,503.63 1
94-12 222ND STREET 8.250 1,270.89 75
8.000 1,270.89 175,000.00
1
QUEENS VILLAGE NY 11428 2 09/25/97 00
0410541080 05 11/01/97 0
410541080 O 10/01/12
0
1649208 E22/G02 F 24,950.00 ZZ
180 24,750.71 1
2260 NW 66TH STREET 9.000 253.06 75
8.750 253.06 33,300.00
MIAMI FL 33142 1 10/17/97 00
0410553630 05 12/01/97 0
410553630 N 11/01/12
0
1649212 E22/G02 F 123,000.00 ZZ
180 121,890.73 1
10118 AQUA VISTA WAY 7.625 1,148.98 80
7.375 1,148.98 155,000.00
BOCA RATON FL 33428 2 10/03/97 00
0410564827 03 12/01/97 0
410564827 O 11/01/12
0
1649214 E22/G02 F 37,100.00 ZZ
180 36,779.69 1
ROUTE 2 BOX 151 8.500 365.34 70
8.250 365.34 53,000.00
PURCELL OK 73080 5 10/16/97 00
0410429724 05 12/01/97 0
410429724 N 11/01/12
0
1649218 E22/G02 F 60,700.00 ZZ
180 60,170.25 1
1904 JUSTIN LANE 8.000 580.08 68
7.750 580.08 89,500.00
AUSTIN TX 78757 2 10/22/97 00
0410562946 05 12/01/97 0
410562946 N 11/01/12
0
1649219 E22/G02 F 75,700.00 ZZ
180 75,039.33 1
1304 ALEGRIA ROAD 8.000 723.43 75
7.750 723.43 102,000.00
AUSTIN TX 78757 2 10/22/97 00
0410562995 05 12/01/97 0
410562995 N 11/01/12
0
1
1649220 E22/G02 F 75,300.00 ZZ
180 74,642.81 1
1210 RUTH AVENUE 8.000 719.61 74
7.750 719.61 102,000.00
AUSTIN TX 78757 2 10/22/97 00
0410562912 05 12/01/97 0
410562912 N 11/01/12
0
1649222 E22/G02 F 66,350.00 ZZ
180 65,770.92 1
6306 ARROYO SECO 8.000 634.08 70
7.750 634.08 95,000.00
AUSTIN TX 78757 2 10/22/97 00
0410562870 05 12/01/97 0
410562870 N 11/01/12
0
1649223 E22/G02 F 123,900.00 ZZ
180 122,530.70 1
232 43RD AVENUE 8.625 1,229.19 75
8.375 1,229.19 165,200.00
GREELEY CO 80634 5 10/02/97 00
0410545008 05 11/01/97 0
410545008 O 10/01/12
0
1649249 G10/G02 F 45,850.00 ZZ
180 45,462.84 2
4113 A-B BILL OWENS PARKWAY 8.375 448.15 70
8.125 448.15 65,500.00
LONGVIEW TX 75605 5 10/15/97 00
0430463570 05 12/01/97 0
971135 N 11/01/12
0
1649358 664/G02 F 84,000.00 ZZ
180 83,234.13 1
1383 KEYS CROSSING NE 7.500 778.70 80
7.250 778.70 105,000.00
ATLANTA GA 30319 2 10/17/97 00
0430472571 01 12/01/97 0
2378750 O 11/01/12
0
1649359 H93/G02 F 63,000.00 ZZ
180 62,650.49 2
1
2707-09 N 123RD STREET 8.500 620.39 70
8.250 620.39 90,000.00
KANSAS CITY KS 66109 5 11/10/97 00
0430506329 05 01/01/98 0
9746465 N 12/01/12
0
1649375 405/405 F 50,550.00 ZZ
180 50,094.09 1
14625 PERAL ROAD 7.625 472.21 80
7.375 472.21 63,200.00
VICTORVILLE CA 92392 1 10/06/97 00
8315285 05 12/01/97 0
8315285 N 11/01/12
0
1649414 E45/G02 F 70,000.00 ZZ
180 67,481.47 1
182 CAPPS LANE 8.000 668.96 51
7.750 668.96 139,000.00
EATONTON GA 31024 2 01/08/97 00
0430479279 05 03/01/97 0
70210 O 02/01/12
0
1649447 225/225 F 24,350.00 ZZ
180 24,211.88 1
2333 BERING #311 8.250 236.23 75
8.000 236.23 32,500.00
HOUSTON TX 77057 1 11/07/97 00
8069845 01 01/01/98 0
8069845 N 12/01/12
0
1649464 765/G02 F 61,200.00 ZZ
180 60,508.55 1
13910 HIDDEN VALLEY ROAD 8.375 598.19 80
8.125 598.19 76,500.00
VICTORVILLE CA 92392 1 09/29/97 00
0430478651 03 11/01/97 0
326410 O 10/01/12
0
1649476 K30/G02 F 77,000.00 ZZ
180 76,364.06 1
1921-1931 KENNEDY AVENUE 8.625 763.90 70
8.375 763.90 110,000.00
GRAND JUNCTION CO 81501 5 10/17/97 00
0430472415 05 12/01/97 0
1
0049940 N 11/01/12
0
1649484 129/G02 F 92,700.00 ZZ
180 88,181.43 3
43 MARLBORO STREET 8.750 926.49 90
8.500 926.49 103,000.00
CHELSEA MA 02150 1 09/02/97 11
0430476432 05 10/01/97 25
UNKNOWN N 09/01/12
0
1649516 375/G02 F 199,750.00 ZZ
180 195,297.98 2
474-476 SW 150TH AVENUE 7.625 1,865.93 85
7.375 1,865.93 235,000.00
BEAVERTON OR 97006 1 08/22/97 01
0430476085 05 10/01/97 20
654815 N 09/01/12
0
1649518 375/G02 F 199,750.00 ZZ
180 195,299.59 2
470-472 SW 150TH AVENUE 7.625 1,865.93 85
7.375 1,865.93 235,000.00
BEAVERTON OR 97006 1 08/22/97 01
0430476507 05 10/01/97 20
654799 N 09/01/12
0
1649548 140/G02 F 50,000.00 ZZ
180 49,716.39 1
8335 PURCELL DRIVE 8.250 485.07 56
8.000 485.07 90,000.00
ORLANDO FL 32825 5 11/11/97 00
0430561035 05 01/01/98 0
437036 N 12/01/12
0
1649568 575/G02 F 269,100.00 ZZ
180 266,699.47 1
5502 EAST MARIPOSA STREET 7.750 2,532.97 58
7.500 2,532.97 470,000.00
PHOENIX AZ 85018 2 10/06/97 00
0430476473 05 12/01/97 0
972402931 O 11/01/12
0
1
1649576 637/G02 F 64,000.00 ZZ
180 63,632.92 1
8238 GREENLEAF CIRCLE 8.125 616.25 80
7.875 616.25 81,000.00
TAMPA FL 33615 5 11/11/97 00
0430507251 05 01/01/98 0
8194326 O 12/01/12
0
1649597 637/G02 F 122,000.00 ZZ
180 119,418.70 1
2810 PINCKARD AVENUE 8.250 1,183.58 47
8.000 1,183.58 265,000.00
REDONDO BEACH CA 90278 5 09/22/97 00
0430478735 05 11/01/97 0
4141230 O 10/01/12
0
1649603 B75/G02 F 69,600.00 ZZ
180 69,191.93 1
1119 CEDER RIDGE COURT 7.875 660.12 80
7.625 660.12 87,000.00
ANNAPOLIS MD 21403 1 11/25/97 00
0430529289 09 01/01/98 0
7044993 N 12/01/12
0
1649608 E13/G02 F 22,500.00 ZZ
180 22,310.01 1
637 NE 6TH COURT UNIT 3K 8.375 219.92 90
8.125 219.92 25,000.00
PALM BEACH FL 33435 1 10/17/97 01
0430477711 01 12/01/97 25
229692 N 11/01/12
0
1649612 140/G02 F 90,000.00 ZZ
180 89,301.93 1
946 ORION AVENUE 8.375 879.68 66
8.125 879.68 138,000.00
METAIRIE LA 70005 5 11/07/97 00
0430501080 05 01/01/98 0
438059 O 12/01/12
0
1649648 E45/G02 F 29,400.00 ZZ
180 28,972.22 1
311 CLAIRBORNE AVENUE 8.500 289.51 70
8.250 289.51 42,000.00
1
STATESBORO GA 30461 5 09/24/97 00
0430480541 05 11/01/97 0
34508 N 10/01/12
0
1649687 129/G02 F 43,200.00 ZZ
180 42,965.63 1
1291 MONTGOMERY STREET 8.750 431.76 90
8.500 431.76 48,000.00
MUSKEGON MI 49441 1 11/20/97 01
0430600262 05 01/01/98 25
3500052372 N 12/01/12
0
1649726 560/560 F 75,000.00 ZZ
180 74,301.23 1
14571 NELSON WAY 7.250 684.65 28
7.000 684.65 270,000.00
SAN JOSE CA 95124 5 10/10/97 00
450889365 05 12/01/97 0
450889365 N 11/01/12
0
1649727 375/G02 F 87,500.00 ZZ
180 86,286.83 3
ROUTE 347 8.625 868.08 70
8.375 868.08 125,000.00
JUSTUS PA 18411 5 08/13/97 00
0430475962 05 10/01/97 0
671637 N 09/01/12
0
1649730 375/G02 F 34,200.00 ZZ
180 33,725.83 1
15905 EAST 131ST STREET 8.625 339.29 90
8.375 339.29 38,000.00
BROKEN ARROW OK 74011 1 08/20/97 12
0430481176 01 10/01/97 25
675303 N 09/01/12
0
1649759 E22/G02 F 29,100.00 ZZ
180 28,862.32 1
2730 TAYLOR STREET UNIT#6 8.750 290.84 90
8.500 290.84 32,400.00
HOLLYWOOD FL 33020 1 10/09/97 04
0410456172 01 12/01/97 25
410456172 N 11/01/12
0
1
1649760 E22/G02 F 68,500.00 ZZ
180 67,888.95 1
112 STILLWATER ROAD 7.750 644.77 79
7.500 644.77 87,000.00
STOCKBRIDGE GA 30281 2 10/15/97 00
0410552665 05 12/01/97 0
410552665 O 11/01/12
0
1649772 E22/G02 F 36,000.00 ZZ
180 35,702.67 1
10709 OLD HARBOR ROAD 8.625 357.15 43
8.375 357.15 84,500.00
FT. SMITH AR 72903 5 10/14/97 00
0410554307 03 12/01/97 0
410554307 N 11/01/12
0
1649781 E22/G02 F 46,700.00 ZZ
180 46,301.28 1
968 NORTH 'F' STREET 8.250 453.06 90
8.000 453.06 51,900.00
HAMILTON OH 45013 1 10/10/97 04
0410562656 05 12/01/97 25
410562656 N 11/01/12
0
1649817 E22/G02 F 50,000.00 ZZ
180 49,582.45 1
1420 PINE STREET 8.500 492.37 46
8.250 492.37 110,000.00
NORWOOD CO 81423 5 10/09/97 00
0410536700 05 12/01/97 0
410536700 N 11/01/12
0
1649820 E22/G02 F 43,400.00 ZZ
180 43,008.60 1
408 RUTH 7.875 411.63 70
7.625 411.63 62,000.00
PORTAGE MI 49002 5 10/10/97 00
0410560718 05 12/01/97 0
410560718 N 11/01/12
0
1649824 E22/G02 F 130,400.00 ZZ
180 129,109.88 1
1
13981 OAK RIDGE DRIVE 7.500 1,208.82 80
7.250 1,208.82 163,000.00
DAVIE FL 33325 2 10/16/97 00
0410560106 03 12/01/97 0
410560106 O 11/01/12
0
1649910 140/G02 F 245,000.00 ZZ
180 243,594.84 1
6054 VAUGHAN DR E 8.125 2,359.06 64
7.875 2,359.06 385,000.00
SATSUMA AL 36572 5 12/01/97 00
0430541441 05 01/01/98 0
434856 O 12/01/12
0
1649918 253/253 F 22,000.00 ZZ
180 21,822.29 1
17034 E TENNESSEE DR 8.875 221.51 80
#4-211 8.625 221.51 27,500.00
AURORA CO 80017 1 10/17/97 00
332801 01 12/01/97 0
332801 N 11/01/12
0
1649919 180/G02 F 37,600.00 ZZ
180 37,498.38 1
2720 NE 8TH AVENUE 8.750 375.79 80
#6 8.500 375.79 47,000.00
FORT LAUDERDALE FL 33334 1 12/04/97 00
0430557371 01 02/01/98 0
0012204855 N 01/01/13
0
1649989 405/405 F 56,000.00 ZZ
180 55,374.22 1
2984 WESTBURY DRIVE 8.500 551.46 90
8.250 551.46 62,671.00
DECATUR GA 30033 2 10/02/97 01
8307738 05 11/01/97 25
8307738 N 10/01/12
0
1650049 561/561 F 144,000.00 ZZ
180 142,687.13 1
86 RAVINE AVENUE 7.500 1,334.90 80
7.250 1,334.90 180,000.00
NUTLEY NJ 07110 1 10/16/97 00
9106170 05 12/01/97 0
1
9106170 O 11/01/12
0
1650051 E22/G02 F 110,600.00 ZZ
180 109,613.38 1
107 PARKHURST LANE 7.750 1,041.05 70
7.500 1,041.05 158,000.00
ALLEN TX 75013 1 10/14/97 00
0410582563 05 12/01/97 0
410582563 O 11/01/12
0
1650058 E22/G02 F 45,000.00 ZZ
180 44,400.96 1
2254 SE WASHINGTON STREET 7.875 426.80 75
7.625 426.80 60,000.00
STUART FL 34997 2 10/14/97 00
0410561401 05 12/01/97 0
410561401 N 11/01/12
0
1650069 E22/G02 F 27,500.00 ZZ
120 27,042.91 1
5983 RIVERVIEW 7.875 331.84 51
7.625 331.84 54,000.00
SAINT LOUIS MO 63147 2 10/13/97 00
0410557441 05 12/01/97 0
410557441 O 11/01/07
0
1650264 E22/G02 F 70,000.00 T
180 68,843.96 1
12670 YARDLEY DRIVE 8.750 699.61 33
8.500 699.61 217,278.00
BOCA RATON FL 33428 1 07/17/97 00
0410474415 03 09/01/97 0
410474415 O 08/01/12
0
1650319 H05/H05 F 136,800.00 ZZ
180 135,552.79 1
321 68TH STREET 7.500 1,268.15 80
7.250 1,268.15 171,000.00
DARIEN IL 60561 2 10/23/97 00
240140004 05 12/01/97 0
240140004 O 11/01/12
0
1
1650388 882/G02 F 38,900.00 T
180 38,593.40 1
8540 SW 133 AVENUE 8.750 388.79 75
UNIT #217 8.500 388.79 51,900.00
MIAMI FL 33186 1 11/18/97 00
0430502559 08 01/01/98 0
975280 O 12/01/12
0
1650451 638/G02 F 32,850.00 ZZ
180 32,569.54 1
2238 S PINEY POINT ROAD 8.250 318.69 90
#208 8.000 318.69 36,500.00
HOUSTON TX 77063 1 10/20/97 10
0430479139 01 12/01/97 25
08674628 N 11/01/12
0
1650455 638/G02 F 33,400.00 ZZ
180 32,419.18 1
3464 SOUTH EAGLE STREET 7.875 316.78 67
#103 7.625 316.78 50,000.00
AURORA CO 80015 2 10/24/97 00
0430475038 01 12/01/97 0
08675929 N 11/01/12
0
1650461 638/G02 F 36,000.00 ZZ
180 35,692.65 1
2238 S PINEY POINT ROAD 8.250 349.25 90
#105 8.000 349.25 40,000.00
HOUSTON TX 77063 1 10/21/97 10
0430475673 01 12/01/97 25
08674555 N 11/01/12
0
1650505 E22/G02 F 47,250.00 ZZ
180 46,826.92 1
407 WILLIAM MORTON DRIVE 8.625 468.76 75
8.375 468.76 63,000.00
RICHMOND TX 77469 2 10/24/97 00
0410572846 05 12/01/97 0
410572846 N 11/01/12
0
1650506 E22/G02 F 18,900.00 ZZ
180 18,735.05 1
12484 ABRAMS RD. UNIT #1801 8.000 180.62 90
7.750 180.62 21,000.00
1
DALLAS TX 75243 1 10/10/97 04
0410559504 01 12/01/97 25
410559504 N 11/01/12
0
1650507 E22/G02 F 28,800.00 ZZ
180 28,548.65 1
12484 ABRAMS RD. UNIT #2024 8.000 275.23 90
7.750 275.23 32,000.00
DALLAS TX 75243 1 10/10/97 04
0410559512 01 12/01/97 25
410559512 N 11/01/12
0
1650510 E22/G02 F 40,000.00 ZZ
180 39,687.56 1
1141 E 50TH ST. 9.250 411.68 49
UNIT # 3 9.000 411.68 83,000.00
CHICAGO IL 60615 5 10/17/97 00
0410495204 01 12/01/97 0
410495204 N 11/01/12
0
1650516 E22/G02 F 28,400.00 ZZ
180 28,138.24 1
186 DANNER LANE 7.375 261.26 34
7.125 261.26 85,500.00
LIVINGSTON TN 38570 2 10/09/97 00
0410536833 05 12/01/97 0
410536833 O 11/01/12
0
1650521 E22/G02 F 140,000.00 ZZ
180 138,804.72 1
216 RIVER DRIVE 8.250 1,358.20 80
8.000 1,358.20 175,000.00
TEQUESTA FL 33469 5 10/16/97 00
0410580310 05 12/01/97 0
410580310 O 11/01/12
0
1650555 E22/G02 F 36,000.00 ZZ
180 35,688.99 2
2233 FLORIAN 8.500 354.51 80
8.250 354.51 45,000.00
HAMTRAMCK MI 48212 1 10/20/97 23
0410571020 05 12/01/97 0
410571020 N 11/01/12
0
1
1650557 267/267 F 173,500.00 ZZ
180 171,361.31 1
2919 CLUNE AVE 7.375 1,596.07 62
7.125 1,596.07 280,000.00
VENICE CA 90291 5 09/25/97 00
4314744 05 11/01/97 0
4314744 O 10/01/12
0
1650583 747/G02 F 40,000.00 ZZ
180 39,762.88 1
2420 RAVENNA BLVD 102 7.750 376.51 25
7.500 376.51 164,900.00
NAPLES FL 34109 1 11/14/97 00
0430525295 01 01/01/98 0
174155 O 12/01/12
0
1650617 225/225 F 88,000.00 ZZ
180 86,983.71 1
403 WEST DAVID ROAD 8.125 847.34 44
7.875 847.34 200,000.00
KETTERING OH 45429 2 11/14/97 00
8070024 05 01/01/98 0
8070024 O 12/01/12
0
1650632 180/G02 F 72,200.00 ZZ
180 71,583.59 4
1702 EAST ELTON AVENUE 8.250 700.44 67
8.000 700.44 108,000.00
MESA AZ 85204 2 10/03/97 00
0430481515 05 12/01/97 0
0012060604 N 11/01/12
0
1650876 E23/G02 F 58,500.00 ZZ
180 58,016.84 4
844 EAST PURDUE 8.625 580.37 90
8.375 580.37 65,000.00
PHOENIX AZ 85020 1 10/22/97 04
0430483099 05 12/01/97 25
40500331 N 11/01/12
0
1650948 E84/G02 F 93,500.00 ZZ
180 92,603.93 1
1
1634 NORTH KEELER AVENUE 7.500 866.76 67
7.250 866.76 140,000.00
CHICAGO IL 60639 5 10/17/97 00
0430475780 05 12/01/97 0
PS9700138 O 11/01/12
0
1650979 G97/G02 F 70,000.00 ZZ
180 69,127.31 1
555-A GIDLEY 8.250 679.10 70
8.000 679.10 100,000.00
GRAND HAVEN MI 49417 1 11/11/97 00
0430507582 01 01/01/98 0
11723 O 12/01/12
0
1651023 E22/G02 F 76,800.00 ZZ
180 76,107.39 1
4114 EAST 14TH STREET 7.625 717.41 80
7.375 717.41 96,000.00
CHEYENNE WY 82001 5 10/20/97 00
0410584684 05 12/01/97 0
410584684 O 11/01/12
0
1651032 737/G02 F 46,800.00 ZZ
180 46,413.50 1
1276 EASTLAND ROAD 8.625 464.29 80
8.375 464.29 58,500.00
ATLANTA GA 30316 1 10/22/97 00
0430482497 05 12/01/97 0
951335 O 11/01/12
0
1651037 927/G02 F 155,100.00 ZZ
180 153,716.41 1
15122 23RD PLACE WEST 7.750 1,459.92 80
7.500 1,459.92 193,950.00
LYNNWOOD WA 98037 1 10/08/97 00
0430480350 05 12/01/97 0
345256 O 11/01/12
0
1651065 229/G02 F 70,000.00 ZZ
180 69,313.57 1
5648 NORTH 19TH STREET 7.875 663.92 42
7.625 663.92 168,000.00
ARLINGTON VA 22205 2 11/14/97 00
0430503128 05 01/01/98 0
1
7681109 O 12/01/12
0
1651165 E22/G02 F 67,500.00 ZZ
180 66,910.88 1
18031 BISCAYNE BLVD. UNIT#501 8.000 645.07 75
7.750 645.07 90,000.00
N. MIAMI BEACH FL 33160 2 10/14/97 00
0410573364 06 12/01/97 0
410573364 O 11/01/12
0
1651171 E22/G02 F 50,000.00 ZZ
180 49,446.22 1
1654 DANCER 7.250 456.43 30
7.000 456.43 170,000.00
ROCHESTER MI 48307 2 10/16/97 00
0410550230 05 12/01/97 0
410550230 O 11/01/12
0
1651195 E22/G02 F 29,150.00 ZZ
180 28,869.18 1
2715 QUEENSTON AVE. 9.125 297.83 55
8.875 297.83 53,000.00
NORMAN OK 73071 5 10/24/97 00
0410578702 05 12/01/97 0
410578702 N 11/01/12
0
1651197 E22/G02 F 99,150.00 ZZ
180 98,161.75 1
4929 SOUTH INCA DRIVE 8.250 961.89 73
8.000 961.89 137,000.00
ENGLEWOOD CO 80110 2 10/23/97 00
0410566509 05 12/01/97 0
410566509 N 11/01/12
0
1651205 E22/G02 F 98,150.00 ZZ
180 97,302.76 1
2096 EMERALD LANE UNIT #1 8.125 945.07 85
7.875 945.07 115,500.00
EAGAN MN 55122 5 10/16/97 10
0410581276 05 12/01/97 12
410581276 O 11/01/12
0
1
1651255 225/225 F 78,625.00 ZZ
180 78,625.00 1
173 WILLIAMS ROAD 8.250 762.78 85
8.000 762.78 92,500.00
WINDSOR NY 13865 5 01/06/98 11
8074949 05 03/01/98 12
8074949 O 02/01/13
0
1651753 E19/G02 F 120,500.00 ZZ
180 119,471.22 1
2308 HUNTINGTON LANE #A 8.250 1,169.02 38
8.000 1,169.02 323,000.00
REDONDO BEACH CA 90278 2 10/22/97 00
0430493411 01 12/01/97 0
100035949 N 11/01/12
0
1651848 E22/G02 F 56,000.00 ZZ
180 55,532.36 4
220 WEST WALNUT STREET 8.500 551.45 70
8.250 551.45 80,000.00
RAWLINGS WY 82301 5 10/23/97 00
0410582787 05 12/01/97 0
410582787 N 11/01/12
0
1651849 E22/G02 F 54,250.00 ZZ
180 53,796.96 4
222 WEST WALNUT STREET 8.500 534.22 70
8.250 534.22 77,500.00
RAWLINS WY 82301 5 10/23/97 00
0410583405 05 12/01/97 0
410583405 N 11/01/12
0
1651982 731/G02 F 88,000.00 ZZ
180 86,969.08 1
5045 DONNELL WAY 7.125 797.13 80
6.875 797.13 111,000.00
DECATUR GA 30035 5 10/21/97 00
0430479105 05 12/01/97 0
3143665208 O 11/01/12
0
1651987 E45/G02 F 62,500.00 ZZ
180 61,966.39 1
2831 TONY DRIVE 8.250 606.34 60
8.000 606.34 105,000.00
1
LAWRENCEVILLE GA 30044 5 10/21/97 00
0430488734 05 12/01/97 0
34562 N 11/01/12
0
1652005 267/267 F 196,200.00 ZZ
180 194,311.95 1
14915 W SUNSET BLVD 6.875 1,749.82 45
6.625 1,749.82 440,000.00
PACIFIC PALISAD CA 90272 2 10/15/97 00
4320711 05 12/01/97 0
4320711 O 11/01/12
0
1652085 201/G02 F 93,750.00 ZZ
180 92,967.07 1
164 NORTH CLINTON STREET 8.500 923.20 75
8.250 923.20 125,000.00
EAST ORANGE NJ 07017 5 10/20/97 00
0430483735 05 12/01/97 0
1809026832 O 11/01/12
0
1652093 514/G02 F 66,500.00 ZZ
180 66,118.59 1
6845 MARSHALL PLACE 8.125 640.32 70
7.875 640.32 95,000.00
BEAUMONT TX 77706 5 11/18/97 00
0430524330 05 01/01/98 0
363645 N 12/01/12
0
1652471 E22/G02 F 77,000.00 ZZ
180 76,225.25 1
1091 BIGHAM BROWN ROAD 8.125 741.42 55
7.875 741.42 141,000.00
EAGLE POINT OR 97524 5 10/24/97 00
0410547707 05 12/01/97 0
410547707 O 11/01/12
0
1652796 229/G02 F 60,000.00 ZZ
180 59,659.65 1
7518 SPRING STREET 8.250 582.09 75
8.000 582.09 80,000.00
OMAHA NE 68124 1 11/20/97 00
0430525501 05 01/01/98 0
0007663487 N 12/01/12
0
1
1652884 E22/G02 F 145,600.00 ZZ
180 144,370.58 1
104 TIMBER LANE 8.375 1,423.13 80
8.125 1,423.13 182,000.00
JUPITER FL 33458 5 10/22/97 00
0410568166 03 12/01/97 0
410568166 O 11/01/12
0
1652887 E22/G02 F 150,000.00 ZZ
180 148,676.47 1
3313 CHURCHILL DRIVE 7.875 1,422.67 75
7.625 1,422.67 200,000.00
WOODBURY MN 55125 2 10/21/97 00
0410572499 05 12/01/97 0
410572499 O 11/01/12
0
1652913 E22/G02 F 81,600.00 ZZ
180 80,876.42 4
1957 PHILOMENE 8.500 803.55 80
8.250 803.55 102,000.00
LINCOLN PARK MI 48146 2 10/01/97 00
0410555445 05 12/01/97 0
410555445 O 11/01/12
0
1652923 E22/G02 F 34,200.00 ZZ
180 33,908.01 1
3822 WAGNER LEE DRIVE 8.250 331.79 90
8.000 331.79 38,000.00
CORPUS CHRISTI TX 78418 1 10/24/97 04
0410589212 05 12/01/97 25
410589212 N 11/01/12
0
1652944 E22/G02 F 50,000.00 ZZ
180 49,573.12 1
212 FENIMORE DRIVE 8.250 485.07 48
8.000 485.07 105,000.00
FOLSOM BOROUGH NJ 08094 5 10/27/97 00
0410573885 05 12/01/97 0
410573885 O 11/01/12
0
1652954 E22/G02 F 308,700.00 ZZ
180 302,325.04 1
1
6217 CRESTMERE DRIVE 8.875 3,108.13 80
8.625 3,108.13 390,000.00
DALLAS TX 75230 1 10/27/97 00
0410596126 05 12/01/97 0
410596126 N 11/01/12
0
1652959 369/G02 F 127,400.00 ZZ
180 126,275.85 1
375 RABON CHAPEL ROAD 7.875 1,208.33 70
7.625 1,208.33 182,000.00
MONTGOMERY TX 77356 1 10/15/97 00
0430487900 05 12/01/97 0
0060972478 O 11/01/12
0
1652960 025/025 F 80,000.00 ZZ
180 79,106.06 1
10190 SW 198 STREET 8.500 787.79 69
8.250 787.79 116,000.00
MIAMI FL 33157 2 09/18/97 00
172144 05 11/01/97 0
172144 O 10/01/12
0
1653009 882/882 F 100,000.00 ZZ
120 99,475.90 2
3366 SW 28TH TERRACE 8.750 1,253.27 53
8.500 1,253.27 190,000.00
MIAMI/COCONUT G FL 33133 5 12/31/97 00
970553 05 02/01/98 0
970553 N 01/01/08
0
1653016 E44/G02 F 221,000.00 ZZ
180 219,689.92 1
3693 EAST BRIGHTON POINT DRIVE 7.750 2,080.22 74
7.500 2,080.22 300,000.00
SALT LAKE CITY UT 84121 2 11/14/97 00
0430516641 05 01/01/98 0
1175826 O 12/01/12
0
1653025 F82/G02 F 75,500.00 ZZ
180 75,052.44 1
317 STOWERS DRIVE 7.750 710.66 64
7.500 710.66 118,000.00
CANTON GA 30114 5 11/14/97 00
0430507020 05 01/01/98 0
1
11179 O 12/01/12
0
1653059 F60/G02 F 45,950.00 ZZ
180 45,561.99 1
155 DANNY DRIVE 8.375 449.13 73
8.125 449.13 63,500.00
NEW ORLEANS LA 70131 1 10/31/97 00
0430487934 05 12/01/97 0
443101 N 11/01/12
0
1653114 E22/G02 F 20,150.00 ZZ
180 19,870.29 1
17421 HARMAN 8.750 201.39 65
8.500 201.39 31,000.00
MELVINDALE MI 48122 1 08/29/97 00
0410501571 05 10/01/97 0
410501571 N 09/01/12
0
1653296 369/G02 F 36,000.00 ZZ
180 35,702.57 2
515 WILKERSON STREET 8.750 359.81 90
8.500 359.81 40,000.00
HUNTINGTON IN 46750 1 10/23/97 14
0430485474 05 12/01/97 25
0060372919 N 11/01/12
0
1653320 J86/G02 F 42,660.00 ZZ
180 42,436.22 1
706 W 4TH AVE 9.125 435.86 90
8.875 435.86 47,400.00
CORSICANA TX 75110 1 11/20/97 01
0430531244 05 01/01/98 25
3696 N 12/01/12
0
1653358 E22/G02 F 45,000.00 ZZ
120 42,756.96 1
5829 RICH HILL DRIVE 8.250 551.94 36
8.000 551.94 125,000.00
ORANGEVALE CA 95662 5 10/22/97 00
0410591614 05 12/01/97 0
410591614 O 11/01/07
0
1
1653442 F03/G02 F 86,000.00 ZZ
180 85,469.65 1
10687 TWIN SPRUCE ROAD 8.500 846.88 72
8.250 846.88 120,000.00
GOLDEN CO 80403 5 11/17/97 00
0430521286 05 01/01/98 0
DEN11629 O 12/01/12
0
1653531 136/G02 F 220,000.00 ZZ
180 217,431.37 1
78 WESTERVELT PLACE 8.000 2,102.44 80
7.750 2,102.44 275,000.00
CRESSKILL NJ 07626 1 09/26/97 00
0430480293 05 11/01/97 0
4507040 O 10/01/12
0
1653556 664/G02 F 80,500.00 ZZ
180 79,871.24 4
128-30 SMITH AVENUE 9.250 828.50 70
9.000 828.50 115,000.00
ROCKFORD IL 61104 5 10/29/97 00
0430482232 05 12/01/97 0
2396869 N 11/01/12
0
1653575 E22/G02 F 33,300.00 ZZ
180 33,015.69 1
3664-C MARTINIQUE AVENUE 8.250 323.06 90
8.000 323.06 37,000.00
KENNER LA 70065 1 10/27/97 11
0410579205 01 12/01/97 25
410579205 O 11/01/12
0
1653596 375/G02 F 138,750.00 ZZ
180 136,995.65 1
60-66 60TH AVE 8.000 1,325.97 75
7.750 1,325.97 185,000.00
MASPETH NY 11378 1 09/05/97 00
0430491555 05 11/01/97 0
666268 O 10/01/12
0
1653605 E22/G02 F 90,400.00 ZZ
180 89,557.74 1
4505 HARDING ROAD UNIT#137 7.250 825.23 80
7.000 825.23 113,000.00
1
NASHVILLE TN 37205 1 10/28/97 00
0410592158 01 12/01/97 0
410592158 O 11/01/12
0
1653640 E84/G02 F 100,800.00 ZZ
180 99,880.99 1
2715 SOUTH CLINTON AVENUE 7.500 934.43 90
7.250 934.43 112,000.00
BERWYN IL 60402 2 10/17/97 10
0430493189 05 12/01/97 30
PS9700134 O 11/01/12
0
1653641 480/G02 F 226,000.00 ZZ
180 223,730.61 1
274 BRIAR PATCH LANE 8.625 2,242.10 80
8.375 2,242.10 282,500.00
CARTERSVILLE GA 30120 1 10/24/97 00
0430486662 05 12/01/97 0
2140416 O 11/01/12
0
1653655 822/G02 F 66,000.00 ZZ
180 65,398.26 1
808 HATCHERY COURT 7.500 611.83 40
7.250 611.83 165,000.00
FREEHOLD NJ 07728 1 10/17/97 00
0430507558 01 12/01/97 0
3516014121 O 11/01/12
0
1653658 757/757 F 28,800.00 ZZ
180 28,631.13 1
37 KNIGHT ST 7.875 273.16 90
7.625 273.16 32,000.00
WILLIAMSTON SC 29697 1 11/04/97 01
3209368 05 01/01/98 25
3209368 N 12/01/12
0
1653669 F03/G02 F 66,000.00 ZZ
180 65,629.75 1
7647 UPHAM COURT 8.375 645.11 55
8.125 645.11 122,000.00
ARVADA CO 80003 2 11/14/97 00
0430504019 05 01/01/98 0
DEN11640 O 12/01/12
0
1
1653843 F22/G02 F 154,000.00 ZZ
180 152,728.13 1
34 NORTH ROAD 8.625 1,527.80 70
8.375 1,527.80 220,000.00
WEST DENNIS MA 02670 1 10/23/97 00
0430486647 05 12/01/97 0
71000324 N 11/01/12
0
1653856 F22/G02 F 179,900.00 ZZ
180 178,223.89 1
9502 SOUTH 204TH PLACE 7.250 1,642.24 70
7.000 1,642.24 257,000.00
KENT WA 98031 1 10/16/97 00
0430486886 05 12/01/97 0
77000460 O 11/01/12
0
1653951 H47/G02 F 360,850.00 ZZ
180 357,451.47 1
9186 SOUTH CEDAR HILL WAY 7.125 3,268.69 95
6.875 3,268.69 379,891.00
LITTLETON CO 80124 1 10/29/97 04
0430508085 03 12/01/97 30
21369590 O 11/01/12
0
1653964 229/G02 F 36,500.00 ZZ
180 36,288.32 1
8230 WEST BAUMGARDNER LANE 8.000 348.82 60
7.750 348.82 61,500.00
CRYSTAL RIVER FL 34428 1 11/24/97 00
0430522268 05 01/01/98 0
0007688237 O 12/01/12
0
1653986 E22/G02 F 60,500.00 ZZ
180 59,954.38 1
8040 132ND AVENUE NORTHEAST 7.625 565.15 29
7.375 565.15 215,000.00
KIRKLAND WA 98033 2 10/23/97 00
0410575633 05 12/01/97 0
410575633 O 11/01/12
0
1654011 E22/G02 F 93,600.00 ZZ
180 92,783.23 1
1
3504 S. 55TH COURT 8.250 908.05 80
8.000 908.05 117,000.00
CICERO IL 60650 1 10/28/97 00
0410573646 05 12/01/97 0
410573646 O 11/01/12
0
1654012 562/562 F 63,750.00 ZZ
180 63,205.71 1
3497 STATE HIGHWAY 220 8.250 618.47 85
7.875 618.47 75,000.00
OXFORD NY 13830 5 10/27/97 04
548735 05 12/01/97 12
548735 O 11/01/12
0
1654017 450/450 F 100,000.00 ZZ
180 99,387.45 1
37357 RADDE ST 7.375 919.92 80
7.125 919.92 125,500.00
CLINTON TWP MI 48036 5 10/31/97 00
4406559 05 01/01/98 0
4406559 O 12/01/12
0
1654021 E22/G02 F 76,500.00 ZZ
180 75,846.86 1
566 4TH ST 8.250 742.16 85
8.000 742.16 90,000.00
LOCKPORT IL 60441 5 10/30/97 04
0410570717 05 12/01/97 12
410570717 O 11/01/12
0
1654022 E22/G02 F 99,000.00 ZZ
180 98,218.02 4
409 N LAFAYETTE ST 9.125 1,011.50 90
8.875 1,011.50 110,000.00
SANDWICH IL 60548 1 10/27/97 04
0410546501 05 12/01/97 25
410546501 N 11/01/12
0
1654028 E22/G02 F 68,000.00 ZZ
180 67,425.81 1
28304 WAVERLY STREET 8.375 664.65 83
8.125 664.65 82,000.00
ROSEVILLE MI 48066 5 10/23/97 23
0410574529 05 12/01/97 0
1
410574529 O 11/01/12
0
1654033 E22/G02 F 31,000.00 T
180 30,746.80 1
950 TIDELANDS DRIVE 8.750 309.83 75
8.500 309.83 41,400.00
CRYSTAL BEACH TX 77650 1 10/21/97 00
0410585970 05 12/01/97 0
410585970 O 11/01/12
0
1654035 E22/G02 F 33,600.00 ZZ
180 33,322.50 1
317 WEST RICHARD 8.625 333.34 70
8.375 333.34 48,000.00
KINGSVILLE TX 78363 5 10/29/97 00
0410598437 05 12/01/97 0
410598437 N 11/01/12
0
1654039 E22/G02 F 25,600.00 ZZ
180 25,374.13 1
5016 LES CHATEAUX DRIVE 7.875 242.80 80
UNIT 135 7.625 242.80 32,000.00
DALLAS TX 75235 1 10/30/97 00
0410582308 01 12/01/97 0
410582308 O 11/01/12
0
1654108 225/225 F 120,000.00 ZZ
180 111,571.06 1
6770 EAST NIGHTINGALE STAR CIR 8.125 1,155.46 52
7.875 1,155.46 235,000.00
SCOTTSDALE AZ 85262 1 01/02/97 00
8023422 03 03/01/97 0
8023422 O 02/01/12
0
1654295 F42/G02 F 102,400.00 ZZ
180 102,116.96 1
591 SOUTH LONG BEACH AVENUE 8.500 1,008.37 80
8.250 1,008.37 128,000.00
FREEPORT NY 11520 1 12/05/97 00
0430568550 05 02/01/98 0
NY0821974 N 01/01/13
0
1
1654344 498/G02 F 54,000.00 ZZ
180 53,396.59 1
4401 CAROLINE DRIVE 8.500 531.76 65
8.250 531.76 84,000.00
SAVANNAH GA 31404 1 10/01/97 00
0430504688 05 11/01/97 0
1495256 N 10/01/12
0
1654433 A46/G02 F 55,900.00 ZZ
180 55,731.18 1
7026 BUCHANAN 7.500 518.20 80
7.250 518.20 69,900.00
RICHMOND TX 77469 1 12/30/97 00
0430571380 05 02/01/98 0
0573124 N 01/01/13
0
1654467 E22/G02 F 176,750.00 T
180 175,190.40 1
11341 N.W. 64TH TERRACE 7.875 1,676.39 80
7.625 1,676.39 220,990.00
MIAMI FL 33178 1 10/31/97 95
0410604805 03 12/01/97 0
410604805 O 11/01/12
0
1654468 E22/G02 F 147,000.00 ZZ
180 145,717.06 1
6830 FALCONSGATE AVE. 8.000 1,404.81 75
7.750 1,404.81 196,000.00
DAVIE FL 33331 5 10/27/97 00
0410590426 03 12/01/97 0
410590426 O 11/01/12
0
1654473 E22/G02 F 74,050.00 ZZ
180 73,417.78 1
7925 BAYFLOWER WAY 8.250 718.39 34
8.000 718.39 224,055.00
ORLANDO FL 32836 1 10/31/97 00
0410437123 03 12/01/97 0
410437123 O 11/01/12
0
1654483 E22/G02 F 55,000.00 ZZ
180 54,545.76 1
2160 CENTER AVENUE UNIT #3T 8.625 545.64 47
8.375 545.64 117,021.00
1
FORT LEE NJ 07024 2 10/24/97 00
0410529200 08 12/01/97 0
410529200 O 11/01/12
0
1654529 623/623 F 187,400.00 ZZ
180 185,163.83 1
18212 NE 83RD STREET 7.750 1,763.95 49
7.500 1,763.95 385,000.00
VANCOUVER WA 98682 5 09/15/97 00
6214281 05 11/01/97 0
6214281 O 10/01/12
0
1654536 623/623 F 300,000.00 ZZ
180 215,721.08 1
9726 PENINSULA DRIVE 8.125 2,888.65 76
7.875 2,888.65 395,000.00
TRAVERSE CITY MI 49686 4 04/21/97 00
918126 05 11/01/97 0
918126 O 10/01/12
0
1654537 623/623 F 55,900.00 ZZ
180 55,026.81 1
13828 INDIAN WELLS ROAD 7.750 526.17 65
7.500 526.17 86,000.00
DALLAS TX 75253 5 08/08/97 00
931728 05 10/01/97 0
931728 N 09/01/12
0
1654538 623/623 F 62,000.00 ZZ
180 61,340.24 1
3180 BERKELEY CT 7.875 588.04 54
7.625 588.04 115,000.00
SOUTHSIDE AL 35907 5 10/13/97 00
934132 05 12/01/97 0
934132 O 11/01/12
0
1654539 623/623 F 44,000.00 T
180 43,442.66 1
791 TALLADEGA STREET 7.500 407.89 68
7.250 407.89 65,000.00
LINEVILLE AL 36266 5 09/19/97 00
937405 05 11/01/97 0
937405 O 10/01/12
0
1
1654540 623/623 F 92,250.00 ZZ
180 90,405.26 1
5630 WAGON TRAIN ROAD 8.125 888.26 90
7.875 888.26 102,500.00
AUSTIN TX 78749 1 08/13/97 01
938226 03 10/01/97 25
938226 N 09/01/12
0
1654541 623/623 F 45,000.00 ZZ
180 44,333.88 1
1310 BEMIS ST SE 7.875 426.80 75
7.625 426.80 60,000.00
GRAND RAPIDS MI 49506 5 08/27/97 00
939208 05 10/01/97 0
939208 N 09/01/12
0
1654542 623/623 F 57,000.00 ZZ
180 53,650.17 1
2402 HENLEY COURT 7.625 532.45 33
7.375 532.45 175,000.00
LOUISVILLE KY 40242 2 08/04/97 00
940474 05 10/01/97 0
940474 O 09/01/12
0
1654543 623/623 F 71,250.00 ZZ
180 70,251.24 1
6624 LAWNDALE AVENUE 8.500 701.63 75
8.250 701.63 95,000.00
HOUSTON TX 77023 5 08/15/97 00
941123 05 10/01/97 0
941123 N 09/01/12
0
1654544 623/623 F 236,000.00 ZZ
180 232,352.43 1
19012 WATERFORD DRIVE 7.375 2,171.02 78
7.125 2,171.02 305,000.00
SUTHERLAND VA 23885 2 08/28/97 00
941851 05 10/01/97 0
941851 O 09/01/12
0
1654546 623/623 F 94,875.00 ZZ
180 94,046.96 1
1
8034 QUARRY RIDGE WAY 8.000 906.68 75
7.750 906.68 126,500.00
BETHESDA MD 20817 5 10/06/97 00
942249 01 12/01/97 0
942249 O 11/01/12
0
1654547 623/623 F 51,350.00 ZZ
180 50,699.37 1
4750 LAMME RD 8.375 501.91 80
8.125 501.91 64,200.00
DAYTON OH 45439 1 09/09/97 00
943328 05 11/01/97 0
943328 N 10/01/12
0
1654548 623/623 F 66,000.00 ZZ
180 65,012.15 1
RT 4 BOX 40170 8.000 630.73 80
7.750 630.73 82,500.00
WINNSBORO TX 75494 1 08/22/97 00
943779 05 10/01/97 0
943779 O 09/01/12
0
1654549 623/623 F 43,650.00 ZZ
180 43,289.50 1
403 OAKHURST 8.625 433.04 90
8.375 433.04 48,500.00
KALAMAZOO MI 49001 1 10/02/97 10
944117 05 12/01/97 25
944117 N 11/01/12
0
1654550 623/623 F 26,500.00 ZZ
180 25,729.09 1
1326 LAKEVIEW STREET 7.625 247.54 74
7.375 247.54 36,000.00
BATTLE CREEK MI 49015 1 09/30/97 00
944763 05 11/01/97 0
944763 O 10/01/12
0
1654551 623/623 F 636,550.00 ZZ
180 630,619.29 1
7432 OLD MAPLE SQUARE 7.250 5,810.83 75
7.000 5,810.83 848,760.00
MCLEAN VA 22101 1 10/10/97 00
944907 03 12/01/97 0
1
944907 O 11/01/12
0
1654553 623/623 F 78,000.00 ZZ
180 61,972.35 1
1228 NOBLE STREET 7.750 734.20 45
7.500 734.20 174,000.00
CHICAGO IL 60622 5 09/30/97 00
945425 05 11/01/97 0
945425 O 10/01/12
0
1654554 623/623 F 116,150.00 ZZ
180 114,764.03 1
1428 HEIGHTS BOULEVARD 7.750 1,093.29 76
7.500 1,093.29 154,000.00
HOUSTON TX 77007 2 09/22/97 00
945434 05 11/01/97 0
945434 O 10/01/12
0
1654555 623/623 F 90,000.00 ZZ
180 89,214.52 1
4150 YORBA LINDA 8.000 860.09 52
7.750 860.09 175,000.00
ROYAL OAK MI 48073 5 10/02/97 00
945728 05 12/01/97 0
945728 O 11/01/12
0
1654556 623/623 F 192,000.00 ZZ
180 189,764.24 1
9040 ISLAND LAKE RD 8.500 1,890.70 80
8.250 1,890.70 240,000.00
DEXTER MI 48130 2 10/07/97 00
945928 05 12/01/97 0
945928 O 11/01/12
0
1654558 623/623 F 60,000.00 ZZ
180 59,470.58 1
855 DOBELL TERRACE 7.875 569.07 80
7.625 569.07 75,000.00
PORT CHARLOTTE FL 33948 2 10/10/97 00
946507 05 12/01/97 0
946507 O 11/01/12
0
1
1654559 623/623 F 92,800.00 ZZ
180 91,692.66 1
102 9TH STREET 7.750 873.50 80
7.500 873.50 116,000.00
BELLEAIR BEACH FL 33786 1 09/30/97 00
946568 05 11/01/97 0
946568 O 10/01/12
0
1654560 623/623 F 92,000.00 ZZ
180 90,971.97 4
217 223 VISTA WAY 8.500 905.96 80
8.250 905.96 115,000.00
BENBROOK TX 76126 1 09/17/97 00
947036 07 11/01/97 0
947036 N 10/01/12
0
1654561 623/623 F 92,000.00 ZZ
180 90,971.97 4
225- 231 VISTA WAY 8.500 905.96 80
8.250 905.96 115,000.00
BENBROOK TX 76126 1 09/17/97 00
947037 07 11/01/97 0
947037 N 10/01/12
0
1654562 623/623 F 92,000.00 ZZ
180 90,971.97 1
233-239 VISTA WAY 8.500 905.96 80
8.250 905.96 115,000.00
BENBROOK TX 76126 1 09/12/97 00
947038 05 11/01/97 0
947038 N 10/01/12
0
1654563 623/623 F 68,800.00 ZZ
180 68,192.94 1
1818 BLUEBIRD LANE 7.875 652.53 80
7.625 652.53 86,000.00
HARLINGEN TX 78550 1 10/03/97 00
947190 05 12/01/97 0
947190 O 11/01/12
0
1654564 623/623 F 58,400.00 ZZ
180 57,917.66 1
516 B SE MORNINGSIDE 8.625 579.38 90
8.375 579.38 64,900.00
1
LEE'S SUMMIT MO 64063 1 09/26/97 04
947241 09 12/01/97 25
947241 N 11/01/12
0
1654565 623/623 F 150,000.00 ZZ
180 148,228.18 1
7350 REDRIFF 7.875 1,422.68 74
7.625 1,422.68 205,000.00
WEST BLOOMFIELD MI 48323 5 08/27/97 00
947578 05 11/01/97 0
947578 O 10/01/12
0
1654566 623/623 F 74,000.00 ZZ
180 73,368.22 1
3291 E. MAIN ST. 8.250 717.90 59
8.000 717.90 126,000.00
COLUMBUS OH 43213 5 10/07/97 00
948073 05 12/01/97 0
948073 O 11/01/12
0
1654567 623/623 F 45,000.00 ZZ
180 44,602.94 1
133 TAMMY DRIVE 7.875 426.80 60
7.625 426.80 75,000.00
SWAINSBORO GA 30401 5 10/09/97 00
948121 05 12/01/97 0
948121 O 11/01/12
0
1654568 623/623 F 243,750.00 T
180 241,599.12 1
89 BEACH STREET 7.875 2,311.85 75
7.625 2,311.85 325,000.00
FALMOUTH MA 02540 5 10/08/97 00
948177 05 12/01/97 0
948177 O 11/01/12
0
1654569 623/623 F 73,000.00 ZZ
180 72,369.87 1
2714 DE MONTMOLLIN RD 8.125 702.90 74
7.875 702.90 99,000.00
PLANT CITY FL 33565 5 10/10/97 00
948217 05 12/01/97 0
948217 O 11/01/12
0
1
1654570 623/623 F 47,900.00 ZZ
180 47,495.53 1
15811 TIMBER ROCK DRIVE 8.375 468.19 90
8.125 468.19 53,260.00
HOUSTON TX 77082 1 10/24/97 01
948824 03 12/01/97 25
948824 N 11/01/12
0
1654571 623/623 F 316,000.00 ZZ
180 312,146.62 1
6019 RIVERVIEW WAY 7.500 2,929.36 80
7.250 2,929.36 395,000.00
HOUSTON TX 77057 1 09/22/97 00
948827 03 11/01/97 0
948827 O 10/01/12
0
1654572 623/623 F 246,400.00 ZZ
180 244,249.54 1
1211 BRIDGEWATER WALK 8.000 2,354.73 80
7.750 2,354.73 308,000.00
SNELLVILLE GA 30278 2 10/14/97 00
950112 05 12/01/97 0
950112 O 11/01/12
0
1654573 623/623 F 31,500.00 ZZ
180 31,147.11 1
6702 VALERIAN LANE 8.500 310.19 90
8.250 310.19 35,000.00
KATY TX 77449 1 09/29/97 01
950541 05 11/01/97 25
950541 N 10/01/12
0
1654574 623/623 F 176,600.00 ZZ
180 175,024.62 1
3629 ARCHERTON DRIVE 7.750 1,662.29 75
7.500 1,662.29 235,500.00
BRIDGETON MO 63044 2 10/09/97 00
950656 05 12/01/97 0
950656 O 11/01/12
0
1654575 623/623 F 104,850.00 ZZ
180 103,598.86 1
1
9402 BLUE JAY WAY 7.750 986.93 90
7.500 986.93 116,500.00
IRVING TX 75063 1 09/30/97 01
950664 03 11/01/97 25
950664 N 10/01/12
0
1654576 623/623 F 80,000.00 ZZ
180 79,301.80 1
12013 ELK RUN 8.000 764.52 52
7.750 764.52 154,000.00
TRAVERSE CITY MI 49684 1 10/06/97 00
950718 01 12/01/97 0
950718 O 11/01/12
0
1654577 623/623 F 66,700.00 ZZ
180 65,511.86 1
418 BLAINE ST 8.000 637.42 75
7.750 637.42 89,000.00
GENEVA OH 44041 5 10/08/97 00
950914 05 12/01/97 0
950914 O 11/01/12
0
1654579 623/623 F 79,500.00 ZZ
180 78,806.18 1
8008 GREENSHIRE DR 8.000 759.74 75
7.750 759.74 106,000.00
TAMPA FL 33634 5 10/22/97 00
951708 05 12/01/97 0
951708 O 11/01/12
0
1654580 623/623 F 36,000.00 ZZ
180 35,419.77 1
1691 YAHOOLA ROAD 7.750 338.86 80
7.500 338.86 45,000.00
DAHLONEGA GA 30533 1 10/01/97 00
951729 05 11/01/97 0
951729 N 10/01/12
0
1654581 623/623 F 86,250.00 ZZ
180 85,561.09 1
75-77 E KELSO ROAD 9.000 874.80 69
8.750 874.80 125,000.00
COLUMBUS OH 43202 5 10/16/97 00
955558 05 12/01/97 0
1
955558 N 11/01/12
0
1654582 623/623 F 71,500.00 ZZ
180 70,928.89 2
70-72 CALIFORNIA 9.000 725.20 67
8.750 725.20 107,000.00
COLUMBUS OH 43202 2 10/16/97 00
955560 05 12/01/97 0
955560 N 11/01/12
0
1654583 623/623 F 129,600.00 ZZ
180 128,019.62 1
9532 A AND B GRAPE STREET 7.500 1,201.41 80
7.250 1,201.41 162,000.00
LOS ANGELES CA 90002 5 09/17/97 00
6215066 05 11/01/97 0
6215066 O 10/01/12
0
1654584 623/623 F 80,000.00 T
180 78,789.83 1
846 SOUTH THISTLE DRIVE 7.625 747.31 61
7.375 747.31 133,000.00
ELKO NV 89801 1 08/14/97 00
6233529 03 10/01/97 0
6233529 O 09/01/12
0
1654585 623/623 F 35,200.00 ZZ
180 34,384.47 2
3311 EAST CAMBRIDGE AVENUE 8.500 346.63 80
8.250 346.63 44,000.00
PHOENIX AZ 85008 1 05/19/97 00
6235587 05 07/01/97 0
6235587 N 06/01/12
0
1654586 623/623 F 543,750.00 ZZ
180 537,190.81 1
1665 W WOODS GULCH COURT 7.625 5,079.33 75
7.375 5,079.33 725,000.00
EAGLE ID 83616 5 09/25/97 00
7072540 05 11/01/97 0
7072540 O 10/01/12
0
1
1654587 623/623 F 76,700.00 ZZ
180 75,804.47 1
1561 E WRIGHT STREET 8.000 732.99 65
7.750 732.99 118,000.00
BOISE ID 83706 5 09/22/97 00
7074340 05 11/01/97 0
7074340 N 10/01/12
0
1654588 623/623 F 241,900.00 ZZ
180 239,013.47 1
8713 CASTLE HILL AVENUE 7.750 2,276.95 80
7.500 2,276.95 302,400.00
LAS VEGAS NV 89129 1 09/04/97 00
7315920 03 11/01/97 0
7315920 O 10/01/12
0
1654602 E22/G02 F 113,000.00 ZZ
180 111,922.51 1
4910 SOUTH INCA DRIVE 7.750 1,063.64 80
7.500 1,063.64 143,000.00
ENGLEWOOD CO 80110 2 10/24/97 00
0410583694 05 12/01/97 0
410583694 O 11/01/12
0
1654603 E22/G02 F 36,000.00 ZZ
180 35,702.67 2
3428 EVALINE 8.625 357.15 80
8.375 357.15 45,000.00
HAMTRAMCK MI 48212 1 10/29/97 00
0410571053 05 12/01/97 0
410571053 N 11/01/12
0
1654614 E26/G02 F 78,000.00 ZZ
180 77,273.26 1
3242 LINEBORO ROAD 7.250 712.04 68
7.000 712.04 115,000.00
MANCHESTER MD 21102 2 10/31/97 00
0430489658 05 12/01/97 0
49700061 N 11/01/12
0
1654620 E22/G02 F 51,700.00 ZZ
180 51,282.39 1
1171 VIOLA STREET 8.875 520.54 55
8.625 520.54 94,000.00
1
MANDEVILLE LA 70448 5 10/31/97 00
0410562953 05 12/01/97 0
410562953 N 11/01/12
0
1654625 J83/G02 F 125,500.00 ZZ
180 124,355.78 1
882 HOLLY TREE GAP RD 7.500 1,163.41 56
7.250 1,163.41 225,000.00
BRENTWOOD TN 37027 2 11/03/97 00
0430492108 05 12/01/97 0
249807 N 11/01/12
0
1654627 J83/G02 F 120,800.00 ZZ
180 120,099.48 1
1119 LAKE COUNTRY DRIVE 8.000 1,154.43 80
7.750 1,154.43 151,000.00
SEABROOK TX 77586 1 11/03/97 00
0430492199 03 01/01/98 0
249424 O 12/01/12
0
1654633 638/G02 F 56,000.00 ZZ
180 53,563.37 1
4578 NORTH FELAND AVENUE 7.500 519.13 80
7.250 519.13 70,000.00
FRESNO CA 93722 2 10/22/97 00
0430482349 05 12/01/97 0
08673423 N 11/01/12
0
1654640 201/G02 F 31,950.00 ZZ
180 31,677.23 1
141 KENT STREET 8.250 309.96 90
8.000 309.96 35,500.00
TRENTON NJ 08611 1 10/28/97 01
0430490292 07 12/01/97 30
2809028448 N 11/01/12
0
1654652 267/267 F 224,000.00 ZZ
180 221,844.41 1
3104 SERRANO DRIVE 6.875 1,997.76 79
6.625 1,997.76 285,000.00
CARLSBAD CA 92009 1 10/23/97 00
4317360 05 12/01/97 0
4317360 O 11/01/12
0
1
1654655 267/267 F 144,000.00 ZZ
180 142,517.03 1
213 BARCLAY AVENUE 7.000 1,294.32 27
6.750 1,294.32 540,000.00
MILLBRAE CA 94030 2 10/23/97 00
4327420 05 12/01/97 0
4327420 O 11/01/12
0
1654685 267/267 F 273,865.00 ZZ
180 271,313.38 1
1507 WINDING WAY 7.250 2,500.02 55
7.000 2,500.02 505,000.00
BELMONT CA 94002 2 10/23/97 00
4327438 05 12/01/97 0
4327438 O 11/01/12
0
1654694 267/267 F 196,000.00 ZZ
180 194,056.77 1
5753 MAXSON DR 7.000 1,761.71 61
6.750 1,761.71 325,000.00
CYPRESS CA 90630 2 10/24/97 00
4325591 05 12/01/97 0
4325591 O 11/01/12
0
1654697 267/267 F 148,000.00 ZZ
180 146,320.46 1
1 VIA LOMA 7.250 1,351.04 75
7.000 1,351.04 198,000.00
LUGUNA NIGUEL CA 92677 2 10/24/97 00
4325583 01 12/01/97 0
4325583 O 11/01/12
0
1655532 G32/G32 F 99,000.00 ZZ
180 98,438.45 1
22 WESTWOOD DRIVE 8.250 960.44 62
8.000 960.44 162,000.00
INDIAN HEAD PAR IL 60525 5 11/04/97 00
1000886 09 01/01/98 0
1000886 O 12/01/12
0
1655539 375/G02 F 94,790.00 ZZ
180 93,634.10 1
1
18117 SE 35TH STREET 7.500 878.72 60
7.250 878.72 157,990.00
VANCOUVER WA 98683 1 09/10/97 00
0430497446 03 11/01/97 0
674985 O 10/01/12
0
1655589 439/439 F 65,000.00 T
180 61,503.35 4
509,511,515,AND 517 B STREET 7.950 619.30 65
7.700 619.30 100,000.00
BAKERSFIELD CA 93304 5 09/06/96 00
1871089 05 11/01/96 0
1871089 O 10/01/11
0
1655590 439/439 F 172,000.00 ZZ
180 164,900.38 1
1814 KENNSINGTON LANE 7.350 1,579.84 80
7.100 1,579.84 215,000.00
CRYSTAL LAKE IL 60014 5 11/27/96 00
1881948 05 02/01/97 0
1881948 O 01/01/12
0
1655591 439/439 F 285,400.00 T
180 262,467.37 4
314 A & B 316 A & B EL DORADO 7.650 2,670.08 73
STREET 7.400 2,670.08 390,958.00
ARCADIA CA 91006 2 11/21/96 00
1882595 05 01/01/97 0
1882595 O 12/01/11
0
1655593 439/439 F 44,200.00 T
180 42,382.99 1
321 CRETE DRIVE 7.400 407.24 71
7.150 407.24 62,253.00
DEER PARK TX 77536 2 12/20/96 00
1884447 05 02/01/97 0
1884447 O 01/01/12
0
1655595 439/439 F 53,000.00 T
180 51,572.01 1
4781 LINFIELD COURT NORTHEAST 7.900 503.45 55
7.650 503.45 98,000.00
SALEM OR 97305 1 04/14/97 00
1899696 05 06/01/97 0
1
1899696 O 05/01/12
0
1655596 439/439 F 93,700.00 ZZ
180 89,919.54 1
637 SUNSET DRIVE 7.400 863.30 76
7.150 863.30 124,000.00
BRAWLEY CA 92227 5 04/10/97 00
1900013 05 06/01/97 0
1900013 O 05/01/12
0
1655699 E22/G02 F 55,800.00 T
180 55,339.15 1
1727 OAKWOOD DRIVE 8.625 553.58 90
8.375 553.58 62,000.00
NORMAN OK 73069 1 10/31/97 04
0410603476 05 12/01/97 25
410603476 O 11/01/12
0
1655701 E22/G02 F 55,300.00 ZZ
180 54,806.62 1
1802 ANGELINA DRIVE 8.375 540.52 70
8.125 540.52 79,000.00
GARLAND TX 75040 5 10/31/97 00
0410580559 05 12/01/97 0
410580559 N 11/01/12
0
1655704 E22/G02 F 52,150.00 ZZ
180 51,709.64 1
336 LONG CANYON DRIVE 8.375 509.73 70
8.125 509.73 74,500.00
MESQUITE TX 75149 5 10/31/97 00
0410580484 05 12/01/97 0
410580484 N 11/01/12
0
1655713 E22/G02 F 35,550.00 ZZ
180 35,259.65 2
108 TWINING A & B 8.750 355.30 90
8.500 355.30 39,500.00
DENISON TX 75020 1 10/30/97 04
0410595623 05 12/01/97 25
410595623 N 11/01/12
0
1
1655763 253/253 F 38,500.00 ZZ
180 37,657.77 1
4233 GLEN PINES COURT 7.375 354.18 66
7.125 354.18 58,500.00
ARLINGTON TX 76016 1 10/31/97 00
903077 05 12/01/97 0
903077 N 11/01/12
0
1655766 560/560 F 62,050.00 ZZ
180 61,448.57 1
120 E OCOTILLO STREET 7.875 588.52 85
7.625 588.52 73,000.00
CASA GRANDE AZ 85222 5 10/21/97 04
450899901 05 12/01/97 12
450899901 O 11/01/12
0
1655767 560/560 F 27,200.00 ZZ
180 26,964.56 1
4623 S CALHOUN STREET 8.250 263.88 70
8.000 263.88 39,000.00
FORT WAYNE IN 46807 2 10/24/97 00
450903919 05 12/01/97 0
450903919 N 11/01/12
0
1655770 253/253 F 58,352.00 ZZ
180 57,837.13 1
6310 WALNUT SPRINGS DRIVE 7.875 553.44 80
7.625 553.44 72,940.00
ARLINGTON TX 76001 1 10/29/97 00
903309 05 12/01/97 0
903309 N 11/01/12
0
1655777 560/560 F 100,000.00 ZZ
180 99,098.16 1
946 1/2 EAGLE DRIVE 7.625 934.13 37
7.375 934.13 275,000.00
AVON CO 81620 5 10/23/97 00
450899992 05 12/01/97 0
450899992 N 11/01/12
0
1655779 253/253 F 78,000.00 ZZ
180 77,326.70 1
5083 46TH AVE 8.125 751.05 62
7.875 751.05 126,000.00
1
GREELEY CO 80634 2 10/31/97 00
902612 05 12/01/97 0
902612 N 11/01/12
0
1655784 229/G02 F 105,000.00 ZZ
180 104,682.88 1
1184 NORTH UTAH STREET 7.500 973.37 47
7.250 973.37 224,000.00
ARLINGTON VA 22201 2 12/19/97 00
0430564807 05 02/01/98 0
7690894 N 01/01/13
0
1655816 B75/G02 F 224,950.00 ZZ
180 223,625.62 1
15663 SOUTH WOOD HOLLOW DRIVE 8.125 2,166.00 79
7.875 2,166.00 285,000.00
BLUFFDALE UT 84065 5 11/19/97 00
0430527846 05 01/01/98 0
7029424 O 12/01/12
0
1655848 405/405 F 94,000.00 ZZ
180 93,152.24 1
12 EDWARD CUL DESAC 7.625 878.09 48
7.375 878.09 197,000.00
PROSPECT HEIGHT IL 60070 2 10/27/97 00
8360638 05 12/01/97 0
8360638 O 11/01/12
0
1655868 E13/G02 F 100,000.00 ZZ
180 99,088.29 1
3907 DORSIE LANE 7.500 927.01 52
7.250 927.01 195,000.00
LA MESA CA 91941 2 10/18/97 00
0430493361 03 12/01/97 0
72167 O 11/01/12
0
1655875 K30/G02 F 51,000.00 ZZ
180 50,704.26 1
620 SOUTH FULTON BEACH ROAD 8.000 487.38 51
#305 7.750 487.38 100,000.00
ROCKPORT TX 78382 2 11/05/97 00
0430490714 01 01/01/98 0
0050994 N 12/01/12
0
1
1655903 201/G02 F 93,600.00 ZZ
180 92,809.62 1
1255 SUMMIT POINT LANE 8.375 914.88 90
8.125 914.88 104,000.00
SNELLVILLE GA 30078 1 10/30/97 01
0430495085 03 12/01/97 25
801359 N 11/01/12
0
1655910 E84/G02 F 138,750.00 ZZ
180 137,213.76 1
315 REBECCA ROAD 7.875 1,315.97 75
7.625 1,315.97 187,000.00
CRYSTAL LAKE IL 60014 5 10/24/97 00
0430486514 05 12/01/97 0
PS9700155 O 11/01/12
0
1655914 076/076 F 200,000.00 ZZ
180 198,254.48 1
10984 KALEO WAY 8.000 1,911.31 71
7.750 1,911.31 285,000.00
CONROE TX 77032 4 10/27/97 00
8108742 03 12/01/97 0
8108742 O 11/01/12
0
1655940 E84/G02 F 58,500.00 ZZ
180 58,022.18 1
3136 CHICAGO STREET 8.750 584.68 90
8.500 584.68 65,000.00
OMAHA NE 68131 1 10/27/97 10
0430490144 05 12/01/97 30
PS9700164 N 11/01/12
0
1655973 286/286 F 22,500.00 ZZ
180 22,314.17 1
1766 DELAWARE AVE 8.625 223.22 90
8.375 223.22 25,000.00
SPRINGFIELD OH 45506 1 10/20/97 10
8674278 05 12/01/97 25
8674278 N 11/01/12
0
1655974 757/757 F 36,200.00 ZZ
180 35,996.93 1
1
5675 RENN STREET 8.375 353.83 90
8.125 353.83 40,225.00
MOBILE AL 36618 1 11/04/97 01
3219409 05 01/01/98 20
3219409 N 12/01/12
0
1656003 601/G02 F 232,000.00 ZZ
180 229,201.37 1
3825 VIRGINIA AVE 7.625 2,167.19 80
7.375 2,167.19 290,000.00
WAYZATA MN 55391 5 09/24/97 10
0430493221 05 11/01/97 6
8686867 O 10/01/12
0
1656217 003/G02 F 69,050.00 ZZ
180 68,460.46 1
235 HAYWARD LANE 8.250 669.89 75
8.000 669.89 92,100.00
LAWRENCEVILLE GA 30044 1 10/24/97 00
0430490763 05 12/01/97 0
0010027977 N 11/01/12
0
1656349 927/G02 F 87,500.00 ZZ
180 86,710.87 2
211 LOGAN AVENUE NORTH 7.625 817.37 70
7.375 817.37 125,000.00
COLORADO SPRING CO 80909 5 10/15/97 00
0430496042 05 12/01/97 0
306688 N 11/01/12
0
1656350 E22/G02 F 51,700.00 ZZ
180 51,282.39 1
2344 BIRON STREET 8.875 520.54 55
8.625 520.54 94,000.00
MANDEVILLE LA 70448 5 10/31/97 00
0410562920 05 12/01/97 0
410562920 N 11/01/12
0
1656353 E22/G02 F 46,800.00 ZZ
180 46,373.33 1
737 CAMBRIDGE DRIVE 7.500 433.84 80
7.250 433.84 58,500.00
PLANO TX 75023 1 11/04/97 04
0410600688 05 12/01/97 12
1
410600688 N 11/01/12
0
1656360 E22/G02 F 33,900.00 ZZ
180 33,590.93 1
4803 HAMILTON-WOLFE - #918 7.500 314.26 75
7.250 314.26 45,258.00
SAN ANTONIO TX 78229 1 10/20/97 00
0410579379 01 12/01/97 0
410579379 O 11/01/12
0
1656375 E22/G02 F 30,500.00 ZZ
180 30,242.47 1
5685 W. OHIO STREET 8.375 298.11 43
8.125 298.11 72,000.00
INDIANAPOLIS IN 46224 2 10/30/97 00
0410572283 05 12/01/97 0
410572283 N 11/01/12
0
1656376 E22/G02 F 98,400.00 ZZ
180 97,497.21 1
110 BLUFF VIEW DRIVE 7.625 919.18 80
7.375 919.18 123,000.00
WILLOW PARK TX 76087 1 10/30/97 00
0410589436 05 12/01/97 0
410589436 O 11/01/12
0
1656409 180/G02 F 40,410.00 ZZ
180 40,183.31 1
206 ST PATRICK 8.375 394.98 90
8.125 394.98 44,900.00
RAPID CITY SD 57701 1 11/26/97 04
0430526152 05 01/01/98 25
0012243523 N 12/01/12
0
1656435 623/623 F 49,000.00 ZZ
180 48,476.18 1
RR1 BOX 77 9.000 496.99 69
8.750 496.99 72,000.00
AUDUBON MN 56511 5 10/01/97 00
945423 05 11/01/97 0
945423 O 10/01/12
0
1
1656468 737/G02 F 51,300.00 ZZ
180 50,857.16 1
9224 N 2ND AVENUE 8.125 493.96 90
7.875 493.96 57,000.00
PHOENIX AZ 85021 1 10/21/97 10
0430501528 09 12/01/97 25
513735 N 11/01/12
0
1656484 E13/G02 F 45,150.00 ZZ
180 44,764.53 1
8118 BLUE SPRUCE DRIVE 8.250 438.02 57
8.000 438.02 80,000.00
HIXSON TN 37343 2 10/30/97 00
0430502146 05 12/01/97 0
233765 N 11/01/12
0
1656487 369/G02 F 27,400.00 ZZ
180 27,173.28 1
340 E HIGH STREET 8.625 271.84 90
8.375 271.84 30,500.00
HUNTINGTON IN 46750 1 10/28/97 01
0430494971 05 12/01/97 25
112130004 N 11/01/12
0
1656517 025/025 F 58,000.00 T
180 56,732.33 1
1051 OCEAN SHORE BLVD 406 7.750 545.94 29
7.500 545.94 201,000.00
ORMOND BEACH FL 32176 2 09/29/97 00
168086 06 11/01/97 0
168086 O 10/01/12
0
1656532 001/G02 F 53,600.00 ZZ
180 53,455.13 1
23 ORCHARD TERRACE 8.750 535.70 80
8.500 535.70 67,000.00
SALEM NH 03079 1 12/15/97 00
0430571612 07 02/01/98 0
1520176 N 01/01/13
0
1656544 937/G02 F 88,400.00 ZZ
180 87,611.41 1
1601 SOUTH PERRY STREET 7.750 832.09 80
7.500 832.09 110,500.00
1
DENVER CO 80219 1 10/29/97 00
0430496794 05 12/01/97 0
300308071 O 11/01/12
0
1656981 765/G02 F 131,250.00 ZZ
180 130,040.32 1
10121 TILTON STREET 7.375 1,207.40 75
7.125 1,207.40 175,000.00
SAN DIEGO CA 92126 5 10/30/97 00
0430492314 05 12/01/97 0
141457 O 11/01/12
0
1656994 E53/G02 F 24,500.00 ZZ
180 24,357.93 1
7305 NW 5TH COURT 8.000 234.13 80
7.750 234.13 30,625.00
MARGATE FL 33063 1 12/02/97 00
0430529982 01 01/01/98 0
0011108698 O 12/01/12
0
1657002 A52/G02 F 86,800.00 ZZ
180 86,268.31 1
2048 KELVIN DRIVE 7.375 798.49 70
7.125 798.49 124,000.00
LAWRENCEVILLE GA 30243 2 11/26/97 00
0430500751 05 01/01/98 0
239939 O 12/01/12
0
1657121 A50/A50 F 214,600.00 ZZ
180 213,979.84 1
11311 WOODBANK DRIVE 8.000 2,050.83 69
7.750 2,050.83 314,300.00
TUSCALOOSA AL 35405 2 12/01/97 00
103448 05 02/01/98 0
103448 O 01/01/13
0
1657165 E22/G02 F 29,600.00 ZZ
180 29,239.40 3
1543 & 1545 E 43RD STREET 8.750 295.84 75
8.500 295.84 39,500.00
CLEVELAND OH 44103 1 11/06/97 00
0410561872 05 01/01/98 0
410561872 N 12/01/12
0
1
1657203 E22/G02 F 93,750.00 T
180 93,218.22 1
21 EAST TIMBER PARKWAY 8.250 909.51 75
8.000 909.51 125,000.00
SHELTON WA 98584 1 10/29/97 00
0410589923 03 01/01/98 0
410589923 O 12/01/12
0
1657536 811/G02 F 88,000.00 T
180 87,756.76 1
3601 BRIDGEWOOD DRIVE 8.500 866.57 80
8.250 866.57 110,000.00
BOCA RATON FL 33434 1 12/17/97 00
0430558387 01 02/01/98 0
FM00107580 O 01/01/13
0
1657555 737/G02 F 120,000.00 ZZ
180 118,941.16 1
10631 N 34TH STREET 7.875 1,138.14 80
7.625 1,138.14 150,000.00
PHOENIX AZ 85024 2 10/24/97 00
0430496778 05 12/01/97 0
513498 O 11/01/12
0
1657560 E75/G02 F 123,500.00 ZZ
180 122,735.21 1
27 DOVECOTE LANE 7.250 1,127.39 57
7.000 1,127.39 218,000.00
COMMACK NY 11725 2 11/18/97 00
0430571331 05 01/01/98 0
MLR4109 O 12/01/12
0
1657597 E22/G02 F 50,000.00 ZZ
180 49,713.23 1
2401 SOUTH COLUMBIAN WAY 8.125 481.44 29
7.875 481.44 173,000.00
SEATTLE WA 98108 5 11/04/97 00
0410589204 05 01/01/98 0
410589204 O 12/01/12
0
1657638 E22/G02 F 148,000.00 ZZ
180 146,750.30 1
1
1009 BAYHILL 8.375 1,446.59 80
8.125 1,446.59 185,000.00
NAPERVILLE IL 60565 5 10/29/97 00
0410585863 05 12/01/97 0
410585863 O 11/01/12
0
1657642 E22/G02 F 79,600.00 ZZ
180 78,487.96 1
1550 NORTHEAST OCEAN BOULEVARD 7.750 749.26 80
UNIT #C104 7.500 749.26 99,500.00
STUART FL 34996 1 11/03/97 00
0410605208 01 12/01/97 0
410605208 O 11/01/12
0
1657643 A52/G02 F 66,000.00 ZZ
180 65,625.64 1
25 ROSE DRIVE 8.250 640.29 80
8.000 640.29 83,000.00
GALLION AL 36742 5 11/26/97 00
0430502658 05 01/01/98 0
223262 O 12/01/12
0
1657646 E22/G02 F 41,900.00 ZZ
180 41,517.99 1
5307 CLAIR STREET 7.500 388.42 77
7.250 388.42 55,000.00
JACKSON MS 39211 2 10/30/97 00
0410592877 05 12/01/97 0
410592877 O 11/01/12
0
1657653 E22/G02 F 36,000.00 ZZ
180 35,702.67 1
288-10B MAIN STREET 8.625 357.15 80
8.375 357.15 45,000.00
BURLINGTON VT 05401 1 11/05/97 01
0410599849 01 12/01/97 12
410599849 N 11/01/12
0
1657656 E22/G02 F 22,500.00 ZZ
180 22,388.45 1
1409 S. KENTUCKY AVENUE 9.750 238.36 90
9.500 238.36 25,000.00
ROSWELL NM 88201 1 11/06/97 04
0410602387 05 01/01/98 25
1
410602387 N 12/01/12
0
1657678 E22/G02 F 69,800.00 ZZ
180 69,421.30 2
320 HILLTOP STREET 8.750 697.62 90
UNIT # A&B 8.500 697.62 77,600.00
RICHARDSON TX 75081 1 11/07/97 04
0410579296 05 01/01/98 25
410579296 N 12/01/12
0
1657685 405/405 F 64,400.00 ZZ
180 63,812.84 2
509 WARDELLE ST 7.500 597.00 70
7.250 597.00 92,000.00
LAS VEGAS NV 89101 5 10/27/97 00
8387870 05 12/01/97 0
8387870 N 11/01/12
0
1657689 375/G02 F 54,000.00 ZZ
180 52,299.24 1
109 NORTH PENN STREET 8.500 531.76 72
8.250 531.76 75,000.00
SHIPPENSBURG PA 17257 2 08/01/97 00
0430491712 05 09/01/97 0
661673 N 08/01/12
0
1657717 131/G02 F 22,000.00 ZZ
180 21,879.30 2
502-502 1/2 S LINCOLN 8.625 218.26 63
8.375 218.26 35,000.00
DAVENPORT IA 52802 5 11/26/97 00
0430575456 05 01/01/98 0
1114763 N 12/01/12
0
1658080 B37/G02 F 51,000.00 ZZ
180 50,535.02 1
4524 N W 185TH STREET 7.500 472.78 85
7.250 472.78 60,000.00
MIAMI FL 33055 5 10/23/97 11
0430558783 05 12/01/97 12
232387 O 11/01/12
0
1
1658162 129/G02 F 160,000.00 ZZ
180 158,634.11 1
ROUTE 2 BOX 39 8.500 1,575.59 78
8.250 1,575.59 207,500.00
LOWER PEACH TRE AL 36751 2 10/15/97 00
0430500132 05 12/01/97 0
UNKNOWN O 11/01/12
0
1658177 229/G02 F 67,200.00 ZZ
180 66,805.99 1
10 KEMPTON ROAD 7.875 637.36 80
7.625 637.36 84,000.00
WEST SWANZEY NH 03469 5 11/25/97 00
0430538389 05 01/01/98 0
0007692833 O 12/01/12
0
1658213 560/560 F 171,290.00 ZZ
180 169,102.90 1
9722 CONWAY ROAD 8.125 1,649.33 70
7.875 1,649.33 245,000.00
LADUE MO 63124 5 10/14/97 00
488138603 05 12/01/97 0
488138603 O 11/01/12
0
1658214 229/G02 F 32,580.00 ZZ
180 32,316.84 1
949 DEWITT AVENUE 8.875 328.03 90
8.625 328.03 36,200.00
CLOVIS CA 93612 1 10/15/97 04
0430536466 05 12/01/97 20
0007626153 N 11/01/12
0
1658290 E22/G02 F 56,000.00 ZZ
180 55,542.61 2
10910 & 10912 WEST 57TH STREET 8.750 559.69 80
8.500 559.69 70,000.00
SHAWNEE KS 66216 1 10/29/97 04
0410598593 05 12/01/97 12
410598593 N 11/01/12
0
1658304 E22/G02 F 44,550.00 ZZ
180 44,186.14 1
808 LONGLEAF DRIVE 8.750 445.25 90
8.500 445.25 49,500.00
1
FOREST PARK GA 30050 1 11/05/97 04
0410604615 05 12/01/97 25
410604615 N 11/01/12
0
1658306 E22/G02 F 39,100.00 ZZ
180 38,780.65 1
1102 TANGLEWOOD ROAD 8.750 390.78 90
8.500 390.78 43,450.00
JONESBORO GA 30236 1 11/05/97 04
0410604599 05 12/01/97 25
410604599 N 11/01/12
0
1658369 593/593 F 57,000.00 T
180 56,327.18 1
508 ONTARIO 7.875 540.62 75
7.625 540.62 76,000.00
ELEPHANT BUTTE NM 87935 5 09/16/97 00
6825772 05 11/01/97 0
6825772 O 10/01/12
0
1658370 593/593 F 45,000.00 T
180 44,326.58 1
SHORELINE DRIVE LOT 9 7.750 423.58 75
7.500 423.58 60,000.00
SALMON ID 83467 5 08/13/97 00
6227532 05 10/01/97 0
6227532 O 09/01/12
0
1658375 593/593 F 131,990.00 T
180 130,397.81 1
1019 SKYSAIL DRIVE 7.625 1,232.96 80
7.375 1,232.96 164,990.00
HENDERSON NV 89015 1 09/30/97 00
6966758 03 11/01/97 0
6966758 O 10/01/12
0
1658380 593/593 F 80,000.00 T
180 78,802.82 1
35 WEST 4500 NORTH 7.750 753.03 44
7.500 753.03 186,000.00
PROVO UT 84604 1 08/14/97 00
6679450 05 10/01/97 0
6679450 O 09/01/12
0
1
1658405 129/G02 F 76,500.00 ZZ
180 76,288.54 1
718 165TH STREET 8.500 753.33 85
8.250 753.33 90,000.00
HAMMOND IN 46324 5 12/11/97 01
0430544932 05 02/01/98 12
UNKNOWN O 01/01/13
0
1658766 862/G02 F 400,000.00 ZZ
180 396,353.15 1
7748 GRAYSTONE DRIVE 7.500 3,708.05 73
7.250 3,708.05 550,000.00
WEST HILLS CA 91304 2 11/03/97 00
0430496729 05 12/01/97 0
4582003 O 11/01/12
0
1658886 633/G02 F 180,000.00 ZZ
180 180,000.00 1
21635 GROVEPARK AVENUE 7.625 1,681.43 80
7.375 1,681.43 225,000.00
SAUGUS CA 91358 5 01/06/98 00
0430615252 05 03/01/98 0
694463 O 02/01/13
0
1658956 A83/G02 F 32,200.00 ZZ
180 31,758.47 1
418 SECOND STREET 8.750 321.82 70
8.500 321.82 46,000.00
GUSTINE CA 95322 1 08/25/97 00
0430496463 05 10/01/97 0
3000584 N 09/01/12
0
1658989 E22/G02 F 250,300.00 ZZ
180 248,816.24 1
4412 CANTERBURY WAY 7.750 2,356.01 80
7.500 2,356.01 312,877.00
UNION CITY CA 94587 1 11/06/97 00
0410602759 05 01/01/98 0
410602759 O 12/01/12
0
1659028 633/G02 F 66,550.00 ZZ
180 66,346.80 1
1
3298 IOWA STREET 7.375 612.21 33
7.125 612.21 205,000.00
COSTA MESA CA 92626 5 12/03/97 00
0430547109 05 02/01/98 0
692300 O 01/01/13
0
1659051 E45/G02 F 42,000.00 ZZ
180 41,454.13 1
3408 CALHOUN FALLS HIGHWAY 7.375 386.37 30
7.125 386.37 142,000.00
ELBERTON GA 30635 2 08/01/97 00
0430523431 05 10/01/97 0
33496 O 09/01/12
0
1659093 H05/H05 F 30,000.00 ZZ
180 29,837.25 1
205 CHESTNUT STREET 8.750 299.83 63
8.250 299.83 48,000.00
PENN YAN NY 14527 2 11/07/97 00
7070028 05 01/01/98 0
7070028 O 12/01/12
0
1659224 E22/G02 F 38,600.00 ZZ
180 38,392.92 2
1356 BOYLAN AVENUE 8.875 388.64 72
8.625 388.64 54,000.00
CLEARWATER FL 34616 1 11/06/97 00
0410607980 05 01/01/98 0
410607980 N 12/01/12
0
1659236 E22/G02 F 49,000.00 ZZ
120 48,480.90 1
3206 MEXICO DRIVE 8.625 610.81 70
8.375 610.81 70,000.00
NASHVILLE TN 37218 5 11/13/97 00
0410558449 05 01/01/98 0
410558449 N 12/01/07
0
1659252 H51/G02 F 52,250.00 ZZ
180 52,102.32 1
23050 ROANOKE 8.250 506.90 53
8.000 506.90 99,000.00
OAK PARK MI 48237 5 12/08/97 00
0430536623 05 02/01/98 0
1
971013070 O 01/01/13
0
1659390 F25/G02 F 166,000.00 ZZ
180 165,509.56 1
2111 MOHANSIC AVENUE 7.750 1,562.52 72
7.500 1,562.52 233,000.00
YORKTOWN NY 10598 5 12/10/97 00
0430533414 05 02/01/98 0
R9711035 O 01/01/13
0
1659480 H37/G02 F 85,000.00 ZZ
180 84,759.76 1
584 EAST EARL COURT 8.250 824.62 43
8.000 824.62 200,000.00
TOMS RIVER NJ 08753 2 12/29/97 00
0430576728 05 02/01/98 0
971003 O 01/01/13
0
1659513 G92/G02 F 45,000.00 ZZ
180 44,727.33 1
8808 O'MEARA COURT 7.500 417.16 17
7.250 417.16 279,000.00
BAKERSFIELD CA 93311 1 11/07/97 00
0430518035 05 01/01/98 0
3001542 O 12/01/12
0
1659639 638/G02 F 19,800.00 ZZ
180 19,693.77 2
2011 7TH AVENUE 8.875 199.36 90
8.625 199.36 22,000.00
BEAVER FALLS PA 15010 1 11/10/97 04
0430495457 05 01/01/98 25
08677906 N 12/01/12
0
1659649 E22/G02 F 124,000.00 ZZ
180 123,280.93 2
2302 WEST NORTH AVENUE 8.000 1,185.01 62
7.750 1,185.01 200,000.00
CHICAGO IL 60647 5 11/03/97 00
0410560270 05 01/01/98 0
410560270 O 12/01/12
0
1
1659660 E22/G02 F 38,600.00 ZZ
180 38,381.07 1
2811 HARLAN DRIVE 8.250 374.47 80
8.000 374.47 48,276.00
MESQUITE TX 75150 1 11/10/97 00
0410611230 05 01/01/98 0
410611230 O 12/01/12
0
1659665 E22/G02 F 39,350.00 T
180 39,028.61 1
909 WEST OAKRIDGE ROAD UNIT 8.750 393.28 75
#959C 8.500 393.28 52,490.00
ORLANDO FL 32809 1 10/23/97 00
0410576888 01 12/01/97 0
410576888 O 11/01/12
0
1659682 E22/G02 F 33,750.00 ZZ
180 33,547.72 1
521 MAIDEN STREET 7.625 315.27 75
7.375 315.27 45,000.00
THERMOPOLIS WY 82443 1 11/17/97 00
0410620066 05 01/01/98 0
410620066 N 12/01/12
0
1659698 462/G02 F 180,400.00 ZZ
180 178,773.04 1
2015 INSCHO LANE 7.625 1,685.18 75
7.375 1,685.18 240,566.00
KATY TX 77450 1 10/30/97 00
0430501445 03 12/01/97 0
0004756300 O 11/01/12
0
1659748 K37/G02 F 39,000.00 ZZ
180 38,771.33 1
6443 LEIGHTON AVENUE 7.875 369.90 56
7.625 369.90 70,000.00
LINCOLN NE 68507 2 11/26/97 00
0430517326 05 01/01/98 0
4208 N 12/01/12
0
1659750 K37/G02 F 42,000.00 ZZ
180 41,751.02 1
3631 NORTH 68TH STREET 7.750 395.34 56
7.500 395.34 76,000.00
1
LINCOLN NE 68507 2 11/26/97 00
0430517318 05 01/01/98 0
4209 N 12/01/12
0
1659777 201/G02 F 80,100.00 ZZ
180 79,588.68 1
2658 PINE LOG COURT 8.000 765.48 90
7.750 765.48 89,000.00
BUFORD GA 30518 1 11/14/97 11
0430501627 05 01/01/98 25
503713 N 12/01/12
0
1659846 H05/H05 F 73,000.00 ZZ
180 72,786.69 1
248 HUTTLESTON AVENUE 7.875 692.37 62
7.625 692.37 119,000.00
FAIRHAVEN MA 02719 5 12/23/97 00
7110177 05 02/01/98 0
7110177 N 01/01/13
0
1659974 E22/G02 F 31,000.00 ZZ
180 29,779.85 1
1000 DOLPHIN DRIVE 8.750 309.83 90
8.500 309.83 34,452.00
WINTER GARDEN FL 34787 1 10/31/97 04
0410593800 09 12/01/97 25
410593800 N 11/01/12
0
1659983 E22/G02 F 39,950.00 T
180 39,730.82 1
909 W OAKRIDGE RD 8.625 396.34 80
UNIT # 911D 8.375 396.34 49,990.00
ORLANDO FL 32809 1 11/03/97 04
0410598171 01 01/01/98 12
410598171 O 12/01/12
0
1660081 828/G02 F 27,000.00 ZZ
180 26,927.03 1
1006 WEST BEWICK STREET 8.750 269.85 90
8.500 269.85 30,000.00
FORT WORTH TX 76110 1 12/30/97 11
0430579177 05 02/01/98 25
75400038 N 01/01/13
0
1
1660138 229/G02 F 64,500.00 ZZ
180 64,325.66 1
3453 GULF OF MEXICO DRIVE 8.750 644.65 50
UNIT 238 8.500 644.65 130,000.00
LONGBOAT KEY FL 34228 2 12/05/97 00
0430568790 01 02/01/98 0
7704083 N 01/01/13
0
1660169 904/G02 F 161,500.00 ZZ
180 160,453.09 1
4140 JOHNSON ROAD 7.875 1,531.75 76
7.625 1,531.75 215,000.00
NIBLEY UT 84321 2 11/20/97 00
0430500884 05 01/01/98 0
10971499 O 12/01/12
0
1660178 225/225 F 231,000.00 ZZ
180 211,238.52 1
1241 UNDERHILL AVENUE 8.625 2,291.71 43
8.375 2,291.71 540,000.00
YORKTOWN HEIGHT NY 10598 2 01/29/97 00
8024784 05 03/01/97 0
8024784 O 02/01/12
0
1660210 131/G02 F 39,650.00 ZZ
180 39,288.47 1
811 SOUTH OTT STREET 7.500 367.57 65
7.250 367.57 61,000.00
COLUMBIA SC 29205 5 10/30/97 00
0430558064 05 12/01/97 0
1112936 N 11/01/12
0
1660274 A53/G02 F 107,250.00 ZZ
180 106,655.00 1
345 N CANAL STREET 8.500 1,056.14 65
#1008 8.250 1,056.14 165,000.00
CHICAGO IL 60610 5 11/13/97 00
0430500116 03 01/01/98 0
0290030470 N 12/01/12
0
1660315 375/G02 F 60,000.00 ZZ
180 59,291.75 1
1
120 ASTOR AVE 7.875 569.08 25
7.625 569.08 240,000.00
ST JAMES NY 11780 2 09/11/97 00
0430495986 05 11/01/97 0
672635 O 10/01/12
0
1660400 F60/G02 F 44,100.00 ZZ
180 43,852.62 1
12 VIVIAN COURT 8.375 431.04 74
8.125 431.04 60,000.00
NEW ORLEANS LA 70131 2 11/19/97 00
0430525113 05 01/01/98 0
443214 N 12/01/12
0
1660473 686/686 F 110,000.00 ZZ
180 108,903.28 2
69-50 79TH STREET 7.650 1,029.12 50
7.400 1,029.12 220,000.00
MIDDLE VILLAGE NY 11379 5 10/27/97 00
818511305 05 12/01/97 0
818511305 O 11/01/12
0
1660509 180/G02 F 60,000.00 ZZ
180 59,832.29 1
5820 NW 19TH COURT 8.375 586.46 67
8.125 586.46 90,000.00
MARGATE FL 33063 2 12/08/97 00
0430540245 05 02/01/98 0
0012206751 O 01/01/13
0
1660548 686/686 F 30,000.00 ZZ
180 29,729.45 2
492 & 494 E 46TH STREET 7.625 280.24 19
7.375 280.24 160,000.00
LOS ANGELES CA 90011 5 10/16/97 00
818496853 05 12/01/97 0
818496853 O 11/01/12
0
1660578 E23/G02 F 67,200.00 ZZ
180 66,287.21 1
2203 FAIR FAX DRIVE 7.875 637.36 80
7.625 637.36 84,000.00
IRVING TX 75060 2 11/06/97 00
0430504548 05 01/01/98 0
1
50501430 O 12/01/12
0
1660579 K30/G02 F 46,800.00 ZZ
180 46,326.88 1
6519 NAVAJO DRIVE 8.375 457.44 60
8.125 457.44 78,000.00
EL PASO TX 79925 5 11/13/97 00
0430503508 05 01/01/98 0
0049120 N 12/01/12
0
1660613 H51/G02 F 27,000.00 T
180 26,919.34 1
3847 WEST THEND ARA DRIVE 7.625 252.22 36
7.375 252.22 75,000.00
GLADWIN MI 48624 5 12/19/97 00
0430571877 05 02/01/98 0
971017530 O 01/01/13
0
1660665 076/076 F 277,000.00 ZZ
180 273,870.42 4
546 DOYLE ROAD 8.375 2,707.48 61
8.125 2,707.48 455,000.00
SAN JOSE CA 95129 2 09/22/97 00
7100804 05 11/01/97 0
7100804 O 10/01/12
0
1660666 076/076 F 82,000.00 ZZ
180 80,825.11 1
7735 SW 33 TERRACE 8.250 795.52 61
8.000 795.52 135,000.00
MIAMI FL 33155 2 08/25/97 00
7109930 05 10/01/97 0
7109930 O 09/01/12
0
1660667 076/076 F 54,600.00 ZZ
180 53,894.21 3
6414 SHERIDAN ROAD 8.500 537.67 70
8.250 537.67 78,000.00
KENOSHA WI 53143 2 09/16/97 00
7111713 05 11/01/97 0
7111713 N 10/01/12
0
1
1660669 076/076 F 81,000.00 ZZ
180 80,104.80 1
4506 KINCAID DRIVE 8.625 803.59 75
8.375 803.59 108,000.00
GREENSBORO NC 27406 1 09/26/97 00
7113863 05 11/01/97 0
7113863 O 10/01/12
0
1660670 076/076 F 470,000.00 ZZ
180 463,292.05 1
160 CUMBERLAND ROAD 8.250 4,559.66 79
8.000 4,559.66 600,000.00
GLENDALE CA 91202 5 09/23/97 00
7115082 05 11/01/97 0
7115082 O 10/01/12
0
1660672 076/076 F 99,050.00 ZZ
180 97,315.82 1
1405 TRAILS EDGE 7.250 904.19 70
7.000 904.19 141,500.00
CONWAY AR 72032 1 09/25/97 00
8385892 05 11/01/97 0
8385892 O 10/01/12
0
1660673 076/076 F 99,450.00 ZZ
180 98,276.14 1
1602 COPELAND STREET 7.875 943.23 90
7.625 943.23 110,500.00
JACKSONVILLE FL 32204 1 09/08/97 10
8664472 05 11/01/97 25
8664472 O 10/01/12
0
1660674 076/076 F 52,700.00 ZZ
180 52,224.71 1
5534 BREWER LANE 7.625 492.29 85
7.375 492.29 62,000.00
PINSON AL 35126 1 10/09/97 12
8674942 05 12/01/97 20
8674942 N 11/01/12
0
1660675 076/076 F 165,000.00 ZZ
180 163,031.14 1
6945 MARSHWOOD COURT 7.750 1,553.10 77
7.500 1,553.10 216,000.00
1
COLORADO SPRING CO 80918 2 09/15/97 00
8749362 05 11/01/97 0
8749362 O 10/01/12
0
1660676 076/076 F 70,200.00 ZZ
180 69,380.38 1
7823 E MIRUELO CIRCLE EAST 8.000 670.87 90
7.750 670.87 78,000.00
JACKSONVILLE FL 32217 1 09/22/97 12
8788332 05 11/01/97 30
8788332 N 10/01/12
0
1660677 076/076 F 72,000.00 ZZ
180 71,195.42 3
220 JACKSON STREET 8.500 709.02 66
8.250 709.02 110,000.00
PUEBLO CO 81004 5 09/29/97 00
8941392 05 11/01/97 0
8941392 N 10/01/12
0
1660678 076/076 F 250,000.00 ZZ
180 244,102.84 1
83 RIDGEVIEW ROAD 8.250 2,425.36 65
8.000 2,425.36 385,000.00
POUGHKEEPSIE NY 12603 5 09/18/97 00
8946892 05 11/01/97 0
8946892 O 10/01/12
0
1660679 076/076 F 80,000.00 ZZ
180 79,262.67 4
912 E 3RD STREET 7.375 735.94 89
7.125 735.94 90,400.00
IRVING TX 75060 1 10/17/97 10
9068572 05 12/01/97 25
9068572 O 11/01/12
0
1660680 076/076 F 68,000.00 ZZ
180 67,179.08 1
616 WILCREST DRIVE 7.625 635.21 80
7.375 635.21 85,000.00
HOUSTON TX 77042 2 10/17/97 00
9084082 01 12/01/97 0
9084082 O 11/01/12
0
1
1660840 830/830 F 77,000.00 ZZ
180 76,296.89 1
22325 SHORESIDE DRIVE 7.875 730.31 60
7.625 730.31 130,000.00
LAND O LAKES FL 34639 6 11/14/97 00
533242 05 01/01/98 0
533242 O 12/01/12
0
1660868 076/076 F 285,000.00 ZZ
180 279,054.61 1
1139 E CAMPBELL AVENUE 7.875 2,703.08 64
7.625 2,703.08 450,000.00
CAMPBELL CA 95008 2 06/26/97 00
8520542 05 08/01/97 0
8520542 O 07/01/12
0
1660901 B75/G02 F 74,200.00 ZZ
180 73,779.13 1
805 SIENA VISTA DRIVE 8.250 719.84 70
8.000 719.84 106,000.00
MADISON AL 35758 5 11/05/97 00
0430503193 05 01/01/98 0
7017866 N 12/01/12
0
1661053 E22/G02 F 138,000.00 ZZ
180 137,181.95 1
119 EAST LANNEAU DRIVE 7.750 1,298.96 56
7.500 1,298.96 250,000.00
GREENVILLE SC 29685 5 11/12/97 00
0410591184 05 01/01/98 0
410591184 O 12/01/12
0
1661071 E22/G02 F 66,000.00 ZZ
180 64,974.36 1
113 CYPRESS FALLS DR. 8.250 640.29 80
8.000 640.29 82,500.00
INGRAM TX 78025 2 10/30/97 00
0410560007 05 12/01/97 0
410560007 O 11/01/12
0
1661077 H22/G02 F 117,000.00 ZZ
180 116,669.32 1
1
23-70 37TH STREET 8.250 1,135.06 71
8.000 1,135.06 167,000.00
ASTORIA NY 11105 1 12/10/97 00
0430529669 05 02/01/98 0
9710025 O 01/01/13
0
1661081 E22/G02 F 42,300.00 ZZ
180 42,029.41 1
1976 ABSHIRE LANE 6.875 377.25 80
6.625 377.25 52,900.00
DALLAS TX 75228 1 11/10/97 00
0410617666 07 01/01/98 0
410617666 O 12/01/12
0
1661088 E22/G02 F 148,000.00 ZZ
180 147,141.75 1
130 EL CORONA DRIVE 8.000 1,414.37 80
7.750 1,414.37 185,000.00
GRAND JUNCTION CO 81501 5 11/06/97 00
0410605018 05 01/01/98 0
410605018 O 12/01/12
0
1661135 E22/G02 F 24,000.00 ZZ
180 23,869.79 1
11156 ROYAL PALM BLVD. 8.750 239.87 75
UNIT E 6 8.500 239.87 32,000.00
CORAL SPRINGS FL 33065 1 11/12/97 00
0410593545 01 01/01/98 0
410593545 N 12/01/12
0
1661218 E84/G02 F 200,000.00 ZZ
180 198,852.95 1
33 REGENT DRIVE 8.125 1,925.76 47
7.875 1,925.76 430,000.00
OAK BROOK IL 60521 5 11/12/97 00
0430501957 03 01/01/98 0
PS9700180 O 12/01/12
0
1661353 G52/G02 F 80,000.00 ZZ
180 79,485.73 1
2478 EAST STONE STABLE DRIVE 8.000 764.53 65
7.750 764.53 124,436.00
TUCSON AZ 85737 5 11/06/97 00
0430530220 03 01/01/98 0
1
MYERS O 12/01/12
0
1661363 664/G02 F 216,900.00 ZZ
180 215,669.68 1
1091 PFINGSTEN 8.250 2,104.24 66
8.000 2,104.24 330,000.00
NORTHBROOK IL 60062 2 11/12/97 00
0430534180 03 01/01/98 0
2398444 O 12/01/12
0
1661439 H05/H05 F 66,700.00 ZZ
180 66,321.67 1
RT. 2 BOX 226-B 8.250 647.08 85
8.000 647.08 78,500.00
LEAKESVILLE MS 39451 5 11/14/97 14
7100056 05 01/01/98 12
7100056 O 12/01/12
0
1661476 811/G02 F 50,000.00 T
180 49,861.80 1
3205 BRIDGEWOOD DRIVE 8.500 492.37 72
8.250 492.37 70,000.00
BOCA RATON FL 33434 1 12/05/97 00
0430548123 01 02/01/98 0
FM00107936 O 01/01/13
0
1661544 696/G02 F 92,000.00 ZZ
180 91,372.36 1
215 CURRY FORD LANE 8.125 885.85 65
7.875 885.85 142,000.00
GAITHERSBURG MD 20878 2 11/21/97 00
0430504142 09 01/01/98 0
6091025 N 12/01/12
0
1661574 313/G02 F 44,800.00 ZZ
180 44,677.54 1
685 OAK STREET 8.625 444.46 80
8.375 444.46 56,000.00
BROCKTON MA 02401 1 12/29/97 00
0430574061 01 02/01/98 0
6506000 N 01/01/13
0
1
1661581 450/450 F 44,650.00 ZZ
180 44,513.66 1
31012 KRAUTER 7.375 410.75 56
7.125 410.75 81,000.00
GARDEN CITY MI 48135 5 12/18/97 00
4406724 05 02/01/98 0
4406724 N 01/01/13
0
1661597 253/253 F 45,000.00 ZZ
180 44,641.23 2
980-982 KRAMER AVE 8.125 433.30 45
7.875 433.30 100,000.00
COLUMBUS OH 43212 5 11/20/97 00
97120788 05 01/01/98 0
97120788 N 12/01/12
0
1661612 664/G02 F 41,000.00 ZZ
180 40,780.03 3
2700 A & B DEL CURTO ROAD 8.875 412.81 30
8.625 412.81 137,500.00
AUSTIN TX 78704 5 11/12/97 00
0430528208 05 01/01/98 0
2316925 O 12/01/12
0
1661682 E22/G02 F 55,000.00 ZZ
180 54,671.76 1
10101 NORTH 91ST AVENUE #132 8.250 533.58 85
8.000 533.58 65,000.00
PEORIA AZ 85345 5 11/10/97 04
0410578645 01 01/01/98 12
410578645 O 12/01/12
0
1661688 E22/G02 F 75,000.00 ZZ
180 74,063.41 1
6008 TEAM COURT 8.000 716.74 69
7.750 716.74 110,000.00
ARLINGTON TX 76018 1 11/14/97 00
0410602114 05 01/01/98 0
410602114 O 12/01/12
0
1661706 G10/G02 F 87,050.00 ZZ
180 86,567.06 1
7112 ASPEN CREEK LANE 8.500 857.22 67
8.250 857.22 130,000.00
1
DALLAS TX 75252 1 11/21/97 00
0430504407 05 01/01/98 0
971412 N 12/01/12
0
1661733 927/G02 F 40,000.00 ZZ
180 39,762.86 1
3525 BIG SKY COURT 7.750 376.52 17
7.500 376.52 239,461.00
RENO NV 89503 1 11/05/97 00
0430534149 05 01/01/98 0
322172 O 12/01/12
0
1661756 E22/G02 F 44,000.00 T
180 43,761.28 1
5381 SPRINGWOOD BOULEVARD 8.750 439.76 80
UNIT #5 8.500 439.76 55,000.00
PINELLAS PARK FL 33782 1 11/07/97 95
0410584080 01 01/01/98 0
410584080 O 12/01/12
0
1661786 450/450 F 33,500.00 ZZ
180 33,396.59 1
34807 FLORENCE 7.250 305.81 36
7.000 305.81 94,000.00
WESTLAND MI 48185 2 12/18/97 00
4407383 05 02/01/98 0
4407383 N 01/01/13
0
1661858 765/G02 F 40,000.00 ZZ
180 39,762.86 1
2922 STOCKBRIDGE AVE 7.750 376.52 32
7.500 376.52 127,000.00
LOS ANGELES CA 90032 5 11/13/97 00
0430507186 05 01/01/98 0
327583 O 12/01/12
0
1661896 267/267 F 112,500.00 ZZ
180 111,803.32 1
9425 BALCOM AVENUE 7.250 1,026.98 32
7.000 1,026.98 360,000.00
NORTHRIDGE CA 91325 2 11/07/97 00
4325119 05 01/01/98 0
4325119 O 12/01/12
0
1
1661898 H86/G02 F 123,200.00 ZZ
180 122,477.66 1
3135 BELL DRIVE 7.875 1,168.49 80
7.625 1,168.49 154,000.00
BOULDER CO 80301 2 11/19/97 00
0430564948 09 01/01/98 0
101235 N 12/01/12
0
1662019 354/354 F 88,000.00 ZZ
180 86,465.18 1
13761 BLUE WATER CIRCLE 8.125 847.34 60
7.875 847.34 148,000.00
ORLANDO FL 32828 1 07/31/97 00
24966277 05 09/01/97 0
24966277 O 08/01/12
0
1662024 354/354 F 90,000.00 ZZ
180 88,710.49 1
2030 SOUTH OCEAN DRIVE 8.250 873.13 70
UNIT #909 8.000 873.13 130,000.00
HALLANDALE FL 33009 1 08/27/97 00
25272204 06 10/01/97 0
25272204 O 09/01/12
0
1662025 354/354 F 40,000.00 ZZ
180 39,414.23 1
2800 NORTH 46TH AVENUE 8.000 382.27 64
UNIT #302 7.750 382.27 63,000.00
HOLLYWOOD FL 33021 1 08/18/97 00
25285156 08 10/01/97 0
25285156 O 09/01/12
0
1662026 354/354 F 196,000.00 ZZ
180 192,727.31 1
103 CARMERON COURT 8.625 1,944.48 80
8.375 1,944.48 245,000.00
WESTON FL 33326 1 07/28/97 00
25294729 05 09/01/97 0
25294729 O 08/01/12
0
1662027 354/354 F 127,600.00 ZZ
180 124,989.44 1
1
15 HIDDEN VIEW CIRCLE 8.375 1,247.20 78
8.125 1,247.20 164,000.00
ALEXANDER NC 28701 1 07/03/97 00
25304247 05 08/01/97 0
25304247 O 07/01/12
0
1662028 354/354 F 83,000.00 ZZ
180 81,730.83 1
4140 FOUNTAINS LANE UNIT 104 7.500 769.43 59
7.250 769.43 142,000.00
FAIRFAX VA 22030 1 08/18/97 00
25360777 01 10/01/97 0
25360777 O 09/01/12
0
1662029 354/354 F 104,500.00 ZZ
180 102,969.77 1
308 ROUND MOUNTAIN RD 8.000 998.66 77
7.750 998.66 137,000.00
CONWAY AR 72032 2 08/25/97 00
25376062 05 10/01/97 0
25376062 O 09/01/12
0
1662031 354/354 F 188,000.00 T
180 185,852.51 1
1865 BRICKELL AVENUE 8.250 1,823.87 80
UNIT #1608A 8.000 1,823.87 235,000.00
MIAMI FL 33129 1 09/08/97 00
25385923 01 11/01/97 0
25385923 O 10/01/12
0
1662032 354/354 F 120,000.00 ZZ
180 118,223.63 1
4104 TIMBERBROOK COURT 7.875 1,138.14 70
7.625 1,138.14 172,000.00
ARLINGTON TX 76015 2 08/21/97 00
25404260 05 10/01/97 0
25404260 O 09/01/12
0
1662033 354/354 F 79,800.00 T
180 78,453.85 1
800 SOUTH OCEAN BOULEVARD 8.250 774.18 60
UNIT #1012 8.000 774.18 133,000.00
DEERFIELD BEACH FL 33441 1 08/25/97 00
25415613 06 10/01/97 0
1
25415613 O 09/01/12
0
1662034 354/354 F 98,100.00 ZZ
180 96,942.07 1
5116 HORSESHOE TRAIL 7.875 930.43 28
7.625 930.43 360,000.00
DALLAS TX 75209 2 09/12/97 00
25430521 05 11/01/97 0
25430521 O 10/01/12
0
1662035 354/354 F 157,600.00 ZZ
180 154,825.88 1
4117 QUARTERSTAFF DRIVE 7.375 1,449.80 80
7.125 1,449.80 199,000.00
HIGH POINT NC 27265 1 08/15/97 00
25430703 05 10/01/97 0
25430703 O 09/01/12
0
1662036 354/354 F 114,400.00 ZZ
180 112,706.53 1
490 COUNTY ROAD 458 7.875 1,085.03 80
7.625 1,085.03 143,000.00
JONESBORO AR 72401 2 08/25/97 00
25442153 05 10/01/97 0
25442153 O 09/01/12
0
1662037 354/354 F 149,600.00 ZZ
180 147,814.87 1
230 LITTLE JOHN TRAIL 7.750 1,408.15 80
7.500 1,408.15 187,000.00
HOT SPRINGS AR 71913 1 09/05/97 00
25498288 05 11/01/97 0
25498288 O 10/01/12
0
1662038 354/354 F 61,000.00 ZZ
180 60,272.09 1
2110 BURGESS HELMS RD 7.750 574.18 65
7.500 574.18 95,000.00
MONROE NC 28112 2 09/25/97 00
25502956 04 11/01/97 0
25502956 O 10/01/12
0
1
1662039 354/354 F 82,450.00 ZZ
180 80,835.56 1
3240 CARAWAY STREET 7.875 782.00 48
7.625 782.00 175,000.00
COCOA FL 32926 2 09/25/97 00
25506080 05 11/01/97 0
25506080 O 10/01/12
0
1662040 354/354 F 334,000.00 ZZ
180 330,100.36 1
808 JERONIMO DRIVE 8.000 3,191.88 71
7.750 3,191.88 475,000.00
CORAL GABLES FL 33146 2 09/10/97 00
25506312 05 11/01/97 0
25506312 O 10/01/12
0
1662041 354/354 F 64,000.00 ZZ
180 63,057.46 2
1073 TUMLIN STREET NORTHWEST 8.125 616.25 51
7.875 616.25 126,000.00
ATLANTA GA 30318 5 09/23/97 00
25511031 05 11/01/97 0
25511031 O 10/01/12
0
1662042 354/354 F 90,000.00 ZZ
180 89,214.52 1
8350 WEST CHARTER OAK ROAD 8.000 860.09 55
7.750 860.09 165,000.00
EDMOND OK 73003 5 10/07/97 00
25520800 05 12/01/97 0
25520800 O 11/01/12
0
1662043 354/354 F 44,400.00 ZZ
180 43,212.77 1
1211 PENNSYLVANIA AVENUE 8.000 424.31 57
UNIT #C2 7.750 424.31 78,000.00
MIAMI BEACH FL 33139 2 09/25/97 00
25526666 01 11/01/97 0
25526666 O 10/01/12
0
1662044 354/354 F 89,600.00 ZZ
180 88,542.36 1
558 NORTH UNIVERSITY DRIVE 7.875 849.82 80
7.625 849.82 112,000.00
1
PLANTATION FL 33324 1 09/30/97 00
25563768 09 11/01/97 0
25563768 O 10/01/12
0
1662045 354/354 F 79,145.00 ZZ
180 78,415.53 1
2665 POWELL CREEK DRIVE 7.375 728.08 55
7.125 728.08 143,900.00
CHARLOTTESVILLE VA 22911 1 10/29/97 00
25644030 03 12/01/97 0
25644030 N 11/01/12
0
1662046 354/354 F 68,000.00 ZZ
180 67,596.90 1
225 NORTHWEST 61ST AVENUE 7.750 640.07 60
7.500 640.07 115,000.00
MIAMI FL 33126 1 11/10/97 00
25652371 05 01/01/98 0
25652371 O 12/01/12
0
1662074 561/561 F 62,900.00 ZZ
180 62,547.13 1
2301 HARRELL AVENUE 8.375 614.81 85
8.125 614.81 74,000.00
NORFOLK VA 23509 5 11/21/97 10
9181843 05 01/01/98 12
9181843 O 12/01/12
0
1662163 637/G02 F 54,900.00 T
180 54,585.12 1
3553 SOUTH CENTRAL AVENUE 8.125 528.63 90
7.875 528.63 61,000.00
FLAGLER BEACH FL 32136 1 11/10/97 01
0430520023 07 01/01/98 20
9109901 O 12/01/12
0
1662203 961/G02 F 202,500.00 T
180 201,325.70 1
823 S. ALMANSOR STREET 8.000 1,935.20 75
7.750 1,935.20 270,000.00
ALHAMBRA CA 91801 1 11/13/97 00
0430519991 05 01/01/98 0
9100633 O 12/01/12
0
1
1662224 664/G02 F 132,500.00 ZZ
180 131,733.41 1
3512 S LOMBARD AVENUE 8.125 1,275.82 85
7.875 1,275.82 156,000.00
BERWYN IL 60402 2 11/14/97 01
0430503300 05 01/01/98 25
2410926 O 12/01/12
0
1662285 E22/G02 F 56,800.00 ZZ
180 56,481.37 1
14633 CRULL ROAD 8.375 555.18 55
8.125 555.18 105,000.00
HAGERSTOWN IN 47346 5 11/12/97 00
0410599237 05 01/01/98 0
410599237 O 12/01/12
0
1662290 E22/G02 F 29,700.00 ZZ
180 29,527.77 1
3123 ORANGE STREET 8.000 283.83 90
7.750 283.83 33,000.00
AMARILLO TX 79107 1 11/18/97 04
0410624241 05 01/01/98 25
410624241 N 12/01/12
0
1662291 E22/G02 F 50,000.00 ZZ
180 49,710.04 1
1983 NORTHWEST 170TH AVENUE 8.000 477.83 31
7.750 477.83 166,150.00
PEMBROKE PINES FL 33028 5 11/13/97 00
0410614234 03 01/01/98 0
410614234 O 12/01/12
0
1662443 560/560 F 58,500.00 ZZ
180 57,995.00 2
3640 DIANE LANE 8.125 563.29 90
7.875 563.29 65,000.00
LABANON IN 46052 1 10/27/97 04
488064106 05 12/01/97 25
488064106 N 11/01/12
0
1662447 560/560 F 147,000.00 ZZ
180 146,156.90 2
1
259-261 COVE ROAD 8.125 1,415.44 65
7.875 1,415.44 227,000.00
STAMFORD CT 06902 5 11/05/97 00
488552209 05 01/01/98 0
488552209 N 12/01/12
0
1662455 G81/G02 F 60,000.00 T
180 59,830.42 1
11449 NW 89 COURT 8.250 582.08 60
8.000 582.08 100,000.00
HIALEAH GARDENS FL 33018 1 12/23/97 00
0430570473 05 02/01/98 0
021711090 O 01/01/13
0
1662461 225/225 F 58,500.00 ZZ
180 58,332.80 1
1929 MT HOLLY ROAD 8.125 563.29 90
7.875 563.29 65,000.00
ROCK HILL SC 29730 1 12/10/97 10
807608300 05 02/01/98 20
807608300 N 01/01/13
0
1662485 001/G02 F 35,000.00 ZZ
180 35,000.00 1
503.5 CHALKSTONE AVENUE 8.750 349.80 70
8.500 349.80 50,000.00
PROVIDENCE RI 02908 5 01/09/98 00
0430582122 05 03/01/98 0
1520598 N 02/01/13
0
1662490 001/G02 F 28,000.00 ZZ
180 28,000.00 1
507.5 CHALKSTONE AVENUE 8.750 279.84 54
8.500 279.84 52,000.00
PROVIDENCE RI 02908 5 01/09/98 00
0430581892 05 03/01/98 0
1520595 N 02/01/13
0
1662530 561/561 F 120,000.00 ZZ
180 119,288.63 1
8402 CUB HUNT COURT 7.750 1,129.54 44
7.500 1,129.54 278,000.00
WALKERSVILLE MD 21793 5 11/21/97 00
9165333 05 01/01/98 0
1
9165333 O 12/01/12
0
1662548 874/G02 F 27,000.00 ZZ
180 26,760.35 1
2165-C KIETZKE LANE 7.625 252.22 48
7.375 252.22 57,000.00
RENO NV 89502 1 12/05/97 00
0430537969 01 02/01/98 0
3723040 O 01/01/13
0
1662597 575/G02 F 60,500.00 ZZ
180 60,164.36 1
227 NORTH SUNSET DRIVE 8.500 595.77 68
8.250 595.77 90,000.00
CHANDLER AZ 85224 2 11/10/97 00
0430520676 05 01/01/98 0
972428704 N 12/01/12
0
1662608 E45/G02 F 100,000.00 ZZ
180 98,832.46 1
586 QUAIL TRAIL ROAD NW 8.000 955.65 67
7.750 955.65 150,000.00
AUBURN GA 30011 5 09/03/97 00
0430525584 05 11/01/97 0
34245 O 10/01/12
0
1662642 E22/G02 F 15,350.00 ZZ
180 15,262.92 1
10615 BRIAR FOREST DRIVE #506 8.250 148.92 75
8.000 148.92 20,500.00
HOUSTON TX 77042 1 11/13/97 00
0410614366 01 01/01/98 0
410614366 N 12/01/12
0
1662696 E22/G02 F 102,000.00 ZZ
180 101,129.72 1
13101 RED EAGLE PASS 7.750 960.10 85
7.500 960.10 120,000.00
OKLAHOMA CITY OK 73013 5 11/11/97 04
0410612956 03 01/01/98 12
410612956 O 12/01/12
0
1
1662702 E22/G02 F 15,000.00 ZZ
180 14,920.42 1
2600 E. OCEAN BLVD. UNIT #KK10 9.000 152.14 46
8.750 152.14 33,000.00
STUART FL 34996 2 11/13/97 00
0410611032 01 01/01/98 0
410611032 O 12/01/12
0
1662707 E22/G02 F 65,800.00 ZZ
180 65,434.96 1
5501 18TH STREET NE 8.500 647.96 74
8.250 647.96 90,000.00
ST PETERSBURG FL 33703 5 11/14/97 00
0410588735 05 01/01/98 0
410588735 O 12/01/12
0
1662804 E73/G02 F 66,500.00 ZZ
180 66,110.10 1
64 DUTCH DRIVE 7.875 630.72 31
7.625 630.72 214,500.00
HOLLAND PA 18966 5 11/17/97 00
0430517375 05 01/01/98 0
2100013316 O 12/01/12
0
1662826 025/025 F 70,300.00 ZZ
180 69,686.47 1
7111 WRENWOOD WAY 8.000 671.82 80
7.750 671.82 87,900.00
WINTER PARK FL 32792 1 10/02/97 00
150190 05 12/01/97 0
150190 N 11/01/12
0
1662847 B75/G02 F 60,550.00 ZZ
180 60,194.98 1
9506 MEADOWCROFT DRIVE 7.875 574.29 80
7.625 574.29 75,700.00
HOUSTON TX 77063 1 11/13/97 00
0430527085 05 01/01/98 0
7063753 O 12/01/12
0
1662856 025/025 F 66,300.00 ZZ
180 65,696.23 1
2960 AUTUMN WOOD TRAIL 8.000 633.60 73
7.750 633.60 92,000.00
1
APOPKA FL 32703 5 10/30/97 00
121457 05 12/01/97 0
121457 N 11/01/12
0
1662860 E53/G02 F 107,900.00 ZZ
180 107,584.71 1
6885 NW 69TH COURT 7.875 1,023.38 80
7.625 1,023.38 134,960.00
TAMARAC FL 33321 1 12/30/97 00
0430557546 05 02/01/98 0
0011108739 O 01/01/13
0
1662889 B49/G02 F 139,000.00 ZZ
180 138,615.79 2
776 & 792 CENTURY PLACE 8.500 1,368.79 70
8.250 1,368.79 199,000.00
MONUMENT CO 80132 1 12/18/97 00
0430558130 05 02/01/98 0
1662889 N 01/01/13
0
1662905 638/G02 F 54,000.00 ZZ
180 53,693.69 1
5725 HARPERS FARM ROAD 8.250 523.88 90
8.000 523.88 60,000.00
COLUMBIA MD 21044 2 11/24/97 04
0430505008 01 01/01/98 25
8679188 N 12/01/12
0
1662982 003/G02 F 134,000.00 ZZ
180 133,231.45 1
506 EPPINGER BRIDGE ROAD 8.125 1,290.27 75
7.875 1,290.27 180,000.00
CONCORD GA 30206 2 11/21/97 00
0430522946 05 01/01/98 0
0010034346 O 12/01/12
0
1663029 K37/G02 F 52,500.00 ZZ
180 52,346.59 1
2323 SOUTHWOOD PLACE 7.875 497.94 70
7.625 497.94 75,000.00
LINCOLN NE 68512 2 12/17/97 00
0430545673 09 02/01/98 0
4227 N 01/01/13
0
1
1663041 455/G02 F 134,000.00 ZZ
180 133,167.28 1
1055 ASHFORD MANOR CT 7.500 1,242.20 80
7.250 1,242.20 167,500.00
LILBURN GA 30047 1 11/26/97 00
0430524066 05 01/01/98 0
57483 O 12/01/12
0
1663063 E22/G02 F 150,000.00 ZZ
180 149,139.70 1
4335 ROSS DRIVE 8.125 1,444.32 57
7.875 1,444.32 265,000.00
RENO NV 89509 5 11/18/97 00
0410580260 05 01/01/98 0
410580260 O 12/01/12
0
1663099 F30/G02 F 104,000.00 ZZ
180 103,429.44 2
1994 NORTH 700 WEST 8.625 1,031.76 57
8.375 1,031.76 185,000.00
PROVO UT 84604 1 11/21/97 00
0430528364 05 01/01/98 0
14430 O 12/01/12
0
1663155 J86/G02 F 67,000.00 T
180 66,804.23 1
342 CANOEBROOK DRIVE 7.875 635.46 56
7.625 635.46 121,000.00
HAWLEY PA 18428 5 12/29/97 00
0430569368 03 02/01/98 0
LACORD9270PA002 O 01/01/13
0
1663161 F03/G02 F 30,000.00 ZZ
180 29,918.91 1
2285 SIDEWINDER DRIVE 706 8.750 299.84 42
8.500 299.84 73,000.00
PARK CITY UT 84060 5 12/17/97 00
0430559633 01 02/01/98 0
DEN11700 N 01/01/13
0
1663227 E82/G02 F 33,600.00 ZZ
180 33,409.41 1
1
989 NORTH HIGHWAY 905 8.250 325.97 70
8.000 325.97 48,000.00
LONG SC 29568 1 11/14/97 00
0400072427 05 01/01/98 0
0400072427 O 12/01/12
0
1663292 131/G02 F 24,300.00 ZZ
180 24,232.82 1
1548 W 17TH STREET 8.500 239.30 90
8.250 239.30 27,000.00
DAVENPORT IA 52804 1 12/19/97 14
0430562801 05 02/01/98 25
1116744 N 01/01/13
0
1663366 A50/A50 F 63,000.00 ZZ
180 62,630.63 1
906 RIVER POINT DRIVE 7.875 597.52 24
7.625 597.52 264,000.00
ALBANY GA 31707 2 10/30/97 00
102091 05 01/01/98 0
102091 O 12/01/12
0
1663403 E22/G02 F 43,400.00 ZZ
180 43,161.90 1
24O1 H STREET NW UNIT #915 8.625 430.56 70
8.375 430.56 62,000.00
WASHINGTON DC 20037 5 11/17/97 00
0410600159 06 01/01/98 0
410600159 N 12/01/12
0
1663408 E22/G02 F 101,750.00 ZZ
180 101,204.12 2
8760-8762 S.W. 27TH STREET 8.875 1,024.46 55
8.625 1,024.46 185,000.00
MIAMI FL 33165 5 11/24/97 00
0410607816 05 01/01/98 0
410607816 N 12/01/12
0
1663409 E22/G02 F 99,450.00 ZZ
180 98,853.97 1
500 RIVET STREET 7.625 928.99 85
7.375 928.99 117,000.00
NEW BEDFORD MA 02740 5 11/13/97 04
0410572044 05 01/01/98 12
1
410572044 O 12/01/12
0
1663413 E22/G02 F 37,350.00 ZZ
180 37,140.47 1
2215 POST ROAD #2000 8.375 365.07 90
8.125 365.07 41,500.00
AUSTIN TX 78704 1 11/14/97 04
0410613921 01 01/01/98 25
410613921 O 12/01/12
0
1663422 E22/G02 F 31,050.00 ZZ
180 30,892.54 1
976 E. CRESCENTVILLE ROAD 9.500 324.23 90
9.250 324.23 34,522.00
CINCINNATI OH 45246 1 11/21/97 04
0410606362 01 01/01/98 25
410606362 N 12/01/12
0
1663434 227/G02 F 89,500.00 T
180 88,980.99 1
3901 E DARTMOUTH AVENUE 8.000 855.31 37
7.750 855.31 248,000.00
DENVER CO 80210 2 11/14/97 00
0430526533 05 01/01/98 0
1735854 O 12/01/12
0
1663447 E22/G02 F 123,500.00 ZZ
180 122,491.29 1
239 VILLAGE CIRCLE 8.750 1,234.32 65
8.500 1,234.32 190,000.00
FORT LEE NJ 07024 5 10/17/97 00
0410432702 01 12/01/97 0
410432702 N 11/01/12
0
1663498 369/G02 F 180,000.00 ZZ
180 178,955.36 1
11132 ROCKPORT STREET 8.000 1,720.18 75
7.750 1,720.18 240,000.00
ORLANDO FL 32836 5 11/07/97 00
0430526566 05 01/01/98 0
61198883 O 12/01/12
0
1
1663521 685/G02 F 87,500.00 ZZ
180 86,780.96 1
11275 SW CLIFFORD STREET 7.500 811.14 68
7.250 811.14 130,500.00
BEAVERTON OR 97008 5 11/17/97 00
0430521922 05 01/01/98 0
109772 O 12/01/12
0
1663601 E22/G02 F 186,000.00 ZZ
180 184,648.18 1
2085 PINERCREST DRIVE 7.750 1,750.77 80
7.500 1,750.77 233,500.00
SANTA ROSA CA 95403 2 11/19/97 00
0410604383 05 01/01/98 0
410604383 O 12/01/12
0
1663616 E22/G02 F 32,000.00 ZZ
180 31,818.50 1
21811 SATICOY STREET UNIT#19 8.250 310.44 80
8.000 310.44 40,000.00
LOS ANGELES CA 91304 1 11/20/97 10
0410620173 01 01/01/98 12
410620173 N 12/01/12
0
1663652 369/G02 F 140,000.00 ZZ
180 139,160.95 1
4111 COACHMAN LANE 7.625 1,307.78 52
7.375 1,307.78 270,000.00
COLLEYVILLE TX 76034 1 11/07/97 00
0430528828 03 01/01/98 0
0060508249 O 12/01/12
0
1663668 757/757 F 45,000.00 ZZ
180 44,747.54 1
80 PEEK DRIVE 8.375 439.85 90
8.125 439.85 50,000.00
CARROLLTON GA 30117 1 11/26/97 01
3219599 05 01/01/98 25
3219599 N 12/01/12
0
1663702 369/G02 F 63,750.00 ZZ
180 63,199.70 1
512 NEW STREET 8.125 613.84 85
7.875 613.84 75,000.00
1
DURYEA PA 18642 5 10/23/97 10
0430548016 05 12/01/97 12
0061092144 O 11/01/12
0
1663732 G81/G02 F 100,000.00 ZZ
180 99,717.36 1
1 GROVE ISLE DRIVE, A-408 8.250 970.14 38
8.000 970.14 265,000.00
MIAMI FL 33133 1 12/16/97 00
0430558536 06 02/01/98 0
021712025 O 01/01/13
0
1663757 A68/G02 F 120,400.00 ZZ
180 120,048.20 1
3040-3046 TUDOR LANE 7.875 1,141.93 80
7.625 1,141.93 150,500.00
IRVING TX 75060 2 12/23/97 00
0430544775 05 02/01/98 0
232624 N 01/01/13
0
1663758 A68/G02 F 106,050.00 ZZ
180 105,740.12 4
3024-3030 TUDOR LANE 7.875 1,005.83 70
7.625 1,005.83 151,500.00
IRVING TX 75060 5 12/23/97 00
0430544577 05 02/01/98 0
232622 N 01/01/13
0
1663759 A68/G02 F 116,800.00 ZZ
180 116,458.71 4
3034A-B 3036 3038 TUDOR LANE 7.875 1,107.79 80
7.625 1,107.79 146,000.00
IRVING TX 75060 2 12/23/97 00
0430544965 05 02/01/98 0
232623 N 01/01/13
0
1663760 A68/G02 F 106,050.00 ZZ
180 105,740.12 4
3016 TUDOR LANE 7.875 1,005.83 70
7.625 1,005.83 151,500.00
IRVING TX 75060 5 12/23/97 00
0430544833 05 02/01/98 0
232625 N 01/01/13
0
1
1664020 E22/G02 F 99,000.00 ZZ
180 98,425.89 1
105 RETON COURT 8.000 946.10 75
7.750 946.10 132,000.00
CARY NC 27513 1 12/01/97 00
0410577480 03 01/01/98 0
410577480 N 12/01/12
0
1664086 A17/G02 F 70,000.00 ZZ
180 69,795.47 1
474 REVERE BEACH BLVD 7.875 663.91 59
UNIT #606 7.625 663.91 120,000.00
REVERE MA 02151 5 12/23/97 00
0430547414 06 02/01/98 0
5316 O 01/01/13
0
1664089 120/G02 F 79,800.00 ZZ
180 79,566.82 1
RR #1 BOX 5A 7.875 756.87 50
7.625 756.87 160,000.00
LIBERTY PA 16930 2 12/18/97 00
0430549378 05 02/01/98 0
7019821 O 01/01/13
0
1664110 180/G02 F 39,200.00 ZZ
180 39,094.05 1
3101 NW 5TH TERRACE 8.750 391.78 80
#1 8.500 391.78 49,000.00
POMPANO BEACH FL 33498 1 12/24/97 00
0430586479 09 02/01/98 0
0012300711 N 01/01/13
0
1664137 405/405 F 200,000.00 ZZ
180 198,827.36 1
9714 OAK BRIDGE 7.875 1,896.90 64
7.625 1,896.90 315,000.00
FAIRFAX VA 22039 5 11/17/97 00
8434078 03 01/01/98 0
8434078 O 12/01/12
0
1664207 E26/G02 F 141,600.00 ZZ
180 140,778.85 1
1
7829 ROUNDABOUT WAY 8.000 1,353.21 68
7.750 1,353.21 210,000.00
SPRINGFIELD VA 22153 2 11/21/97 00
0430527416 05 01/01/98 0
30700268 O 12/01/12
0
1664301 E22/G02 F 115,300.00 ZZ
180 114,638.73 1
633 WEST OLIVE AVENUE 8.125 1,110.20 80
7.875 1,110.20 145,000.00
MONROVIA CA 91016 2 11/21/97 23
0410616643 05 01/01/98 0
410616643 N 12/01/12
0
1664345 K30/G02 F 85,500.00 ZZ
180 84,998.70 2
211 REEVES STREET 7.875 810.92 90
7.625 810.92 96,000.00
DICKSON TN 37055 1 11/26/97 11
0430533141 05 01/01/98 25
0052062 N 12/01/12
0
1664490 514/G02 F 40,000.00 ZZ
180 39,782.99 3
43-45 YOUNG STREET 8.750 399.78 30
8.500 399.78 137,000.00
NEW HAVEN CT 06511 2 11/14/97 00
0430526715 05 01/01/98 0
362493 N 12/01/12
0
1664499 514/G02 F 140,000.00 ZZ
180 139,114.04 1
1820 LONGBRANCH DRIVE 7.000 1,258.36 80
6.750 1,258.36 175,000.00
MAIDENS VA 23102 1 11/17/97 00
0430535070 05 01/01/98 0
363528 O 12/01/12
0
1664607 686/686 F 335,000.00 ZZ
180 332,041.46 1
22 CORDIS STREET 7.865 3,175.39 56
7.615 3,175.39 608,000.00
CHARLESTOWN MA 02129 5 10/27/97 00
818387045 09 12/01/97 0
1
818387045 O 11/01/12
0
1664666 686/686 F 134,250.00 ZZ
180 133,031.32 1
10570 NW 10TH STREET 7.550 1,248.34 75
7.300 1,248.34 179,000.00
PLANTATION FL 33322 5 10/27/97 00
818479685 03 12/01/97 0
818479685 O 11/01/12
0
1664757 568/G02 F 116,000.00 ZZ
180 115,356.47 1
33 TAW CAW 8.500 1,142.30 89
8.250 1,142.30 131,000.00
SUMMERTON SC 29102 2 11/24/97 10
0430525220 05 01/01/98 25
809427 N 12/01/12
0
1664765 883/G02 F 160,000.00 ZZ
180 160,000.00 1
105 WEST GREENTREE LANE 7.000 1,438.13 46
6.750 1,438.13 350,000.00
LAKE MARY FL 32746 5 12/30/97 00
0430590448 05 03/01/98 0
05002488 O 02/01/13
0
1664776 225/225 F 28,000.00 ZZ
180 28,000.00 1
653 PENNSYLVANIA AVENUE 7.500 259.57 61
7.250 259.57 46,000.00
ELMIRA NY 14904 5 01/05/98 00
8079174 05 03/01/98 0
8079174 O 02/01/13
0
1664803 405/405 F 62,000.00 ZZ
180 61,146.17 1
1482 E. MARTINGALE LANE 7.500 574.75 30
7.250 574.75 210,000.00
SAN DIMAS CA 91773 5 11/13/97 00
8403552 05 01/01/98 0
8403552 O 12/01/12
0
1
1664856 B75/G02 F 79,000.00 ZZ
180 78,551.90 1
11024 PLEASANT VALLEY ROAD 8.250 766.41 61
8.000 766.41 130,000.00
PENN VALLEY CA 95946 2 11/21/97 00
0430529412 05 01/01/98 0
7011364 N 12/01/12
0
1664909 E53/G02 F 75,000.00 ZZ
180 74,783.26 2
350-352 EAST 12TH STREET 8.000 716.74 69
7.750 716.74 110,000.00
HIALEAH FL 33010 1 12/17/97 00
0430545533 05 02/01/98 0
0011108742 O 01/01/13
0
1664924 267/267 F 131,000.00 ZZ
180 130,188.76 1
809 CAMARITAS AVENUE 7.250 1,195.86 52
7.000 1,195.86 252,000.00
SOUTH SAN FRANC CA 94080 1 11/24/97 00
4334053 05 01/01/98 0
4334053 O 12/01/12
0
1664996 E22/G02 F 275,000.00 ZZ
180 273,457.34 1
3335 LONE PINE RD 8.375 2,687.92 55
8.125 2,687.92 500,000.00
WEST BLOOMFIELD MI 48323 5 11/21/97 00
0410604052 05 01/01/98 0
410604052 O 12/01/12
0
1665207 575/G02 F 93,600.00 ZZ
180 93,329.51 4
403-405 N RAILROAD STREET 8.000 894.49 80
7.750 894.49 117,000.00
PALMYRA PA 17078 1 12/02/97 00
0430527432 05 02/01/98 0
972440683 N 01/01/13
0
1665220 F42/G02 F 75,000.00 ZZ
180 75,000.00 1
47 HARDING AVENUE 7.625 700.60 60
7.375 700.60 127,000.00
1
HICKSVILLE NY 11801 1 01/08/98 00
0430585935 05 03/01/98 0
HP1103971 N 02/01/13
0
1665271 687/G02 F 22,500.00 ZZ
180 22,500.00 1
100 ARGO PARK 8.375 219.92 90
8.125 219.92 25,000.00
ROCHESTER NY 14613 1 01/23/98 01
0430590885 05 03/01/98 30
1644912 N 02/01/13
0
1665278 765/G02 F 61,300.00 ZZ
180 60,765.95 4
1232 98TH AVENUE 8.750 612.67 36
8.500 612.67 175,000.00
OAKLAND CA 94603 5 11/14/97 00
0430524892 05 01/01/98 0
120629 N 12/01/12
0
1665347 E22/G02 F 35,000.00 ZZ
180 34,803.66 1
1913 SUGARLOAF DRIVE 8.375 342.10 40
8.125 342.10 89,000.00
HARVEY LA 70058 5 11/19/97 00
0410615454 05 01/01/98 0
410615454 O 12/01/12
0
1665469 K15/G02 F 213,600.00 ZZ
180 212,933.39 1
1247 WOODBROOK COURT 7.125 1,934.86 80
6.875 1,934.86 267,000.00
RESTON VA 20194 1 12/17/97 00
0430587345 03 02/01/98 0
623184 O 01/01/13
0
1665472 131/G02 F 60,000.00 ZZ
180 59,644.32 2
1204 A & B MAPLE STREET 7.750 564.77 60
7.500 564.77 100,000.00
COLUMBIA SC 29205 5 11/21/97 00
0430579615 05 01/01/98 0
1116187 N 12/01/12
0
1
1665478 131/G02 F 56,550.00 ZZ
180 56,214.76 1
3134 MONROE STREET 7.750 532.30 65
7.500 532.30 87,000.00
COLUMBIA SC 29205 5 11/21/97 00
0430600247 05 01/01/98 0
1116194 N 12/01/12
0
1665489 H05/H05 F 120,000.00 ZZ
180 119,660.83 1
66 KING STREET 8.250 1,164.17 35
8.000 1,164.17 343,000.00
DOBBS FERRY NY 10522 5 12/01/97 00
7110164 05 02/01/98 0
7110164 O 01/01/13
0
1665490 G53/G02 F 93,100.00 ZZ
180 92,842.66 1
513 ULRICH ROAD 8.500 916.80 70
8.250 916.80 133,000.00
FORT PIERCE FL 34982 5 12/22/97 00
0430558262 05 02/01/98 0
120916 O 01/01/13
0
1665508 811/G02 F 94,200.00 T
180 93,939.63 1
4351 MAGNOLIA RIDGE DRIVE 8.500 927.62 75
8.250 927.62 125,593.00
FT. LAUDERDALE FL 33331 1 12/15/97 00
0430548057 03 02/01/98 0
FM00106949 O 01/01/13
0
1665557 H05/H05 F 52,000.00 ZZ
180 51,711.53 1
1633 SOUTH COLWOOD ROAD 8.500 512.06 80
8.000 512.06 65,000.00
CARO MI 48723 5 11/12/97 00
97003100 05 01/01/98 0
97003100 O 12/01/12
0
1665575 180/G02 F 155,000.00 ZZ
180 154,056.75 3
1
2218 WEST 23RD STREET 7.625 1,447.90 89
7.375 1,447.90 175,000.00
CHICAGO IL 60608 1 11/13/97 12
0430532143 05 01/01/98 25
0012043238 O 12/01/12
0
1665584 003/G02 F 72,800.00 ZZ
180 72,589.61 1
2289 FREYDALE ROAD 8.000 695.72 80
7.750 695.72 91,000.00
MARIETTA GA 30067 1 12/05/97 00
0430525865 05 02/01/98 0
0010038909 N 01/01/13
0
1665732 375/G02 F 94,500.00 ZZ
180 93,702.04 1
7600 BENJI RIDGE TRAIL 8.375 923.67 90
8.125 923.67 105,000.00
KISSIMMEE FL 34747 1 10/14/97 01
0430538199 03 12/01/97 25
682609 N 11/01/12
0
1665735 375/G02 F 77,600.00 ZZ
180 76,512.24 1
639-A PALMER LANE 8.500 764.16 80
8.250 764.16 97,000.00
LOWER MAKEFIELD PA 19067 2 08/15/97 00
0430538983 01 10/01/97 0
668988 N 09/01/12
0
1665737 375/G02 F 160,000.00 ZZ
180 158,090.78 1
321 WEST QUAIL DRIVE 7.750 1,506.04 71
7.500 1,506.04 228,000.00
UPPER TOWNSHIP NJ 08223 2 09/25/97 00
0430534461 05 11/01/97 0
677304 O 10/01/12
0
1665738 375/G02 F 59,000.00 ZZ
120 57,354.79 1
13710 ENGLEMAN DRIVE 7.875 711.94 37
7.625 711.94 160,000.00
LAUREL MD 20708 2 08/29/97 00
0430535898 05 10/01/97 0
1
678434 O 09/01/07
0
1665760 375/G02 F 55,000.00 ZZ
180 54,392.13 1
7 EAST SYCAMORE STREET 8.625 545.65 85
8.375 545.65 65,000.00
CENTRAL ISLIP NY 11722 1 09/16/97 04
0430532572 05 11/01/97 12
675077 N 10/01/12
0
1665764 375/G02 F 80,000.00 ZZ
180 79,065.92 1
815 SYCAMORE CT 8.000 764.53 72
7.750 764.53 111,500.00
HERNDON VA 20170 1 09/25/97 00
0430532879 07 11/01/97 0
678583 O 10/01/12
0
1665767 375/G02 F 92,000.00 ZZ
180 90,914.09 1
406 ZAPITA 7.875 872.57 80
7.625 872.57 115,000.00
RANCHO VIEJO TX 78575 1 10/02/97 00
0430527788 05 11/01/97 0
681114 O 10/01/12
0
1665773 375/G02 F 41,400.00 ZZ
180 40,952.48 1
494 KLING STREET 8.875 416.83 90
8.625 416.83 46,000.00
AKRON OH 44311 1 09/21/97 04
0430540500 05 11/01/97 20
680631 N 10/01/12
0
1665782 480/G02 F 19,850.00 ZZ
180 19,744.70 1
9254 FOREST LANE 9.000 201.33 39
#401 CE 8.750 201.33 52,000.00
DALLAS TX 75243 2 11/21/97 00
0430525287 01 01/01/98 0
2265593 N 12/01/12
0
1
1665790 E26/G02 F 80,750.00 ZZ
180 80,514.04 1
160 RUSHING ROAD 7.875 765.88 85
7.625 765.88 95,000.00
SPARTANBURG SC 29302 5 11/26/97 11
0430527150 05 02/01/98 12
52700243 O 01/01/13
0
1665937 H05/H05 F 168,000.00 ZZ
180 167,530.42 1
61-66 78TH STREET 8.375 1,642.08 75
8.000 1,642.08 225,000.00
FLUSHING NY 11379 2 12/05/97 00
240140004 05 02/01/98 0
240140004 O 01/01/13
0
1665939 830/830 F 62,050.00 ZZ
180 61,690.18 1
130 SEELY STREET 8.000 592.98 85
7.750 592.98 73,000.00
LA JUNTA CO 81050 5 12/03/97 14
533248 05 01/01/98 17
533248 O 12/01/12
0
1666012 B75/G02 F 49,000.00 ZZ
180 48,734.16 1
706 18TH AVENUE 8.750 489.73 66
8.500 489.73 75,000.00
GREELEY CO 80631 5 12/01/97 00
0430538454 05 01/01/98 0
7029713 N 12/01/12
0
1666072 E22/G02 F 27,000.00 ZZ
180 26,850.21 1
1616 N.W. 56TH AVENUE UNIT #12 8.500 265.88 75
8.250 265.88 36,000.00
LAUDERHILL FL 33313 2 11/25/97 00
0410612402 01 01/01/98 0
410612402 N 12/01/12
0
1666150 776/G02 F 22,800.00 ZZ
180 22,615.83 1
1207 NORTH CHARLES 8.875 229.56 80
8.625 229.56 28,500.00
1
BELLEVILLE IL 62223 1 10/17/97 10
0430529974 05 12/01/97 12
2301679 N 11/01/12
0
1666171 354/354 F 132,800.00 ZZ
180 131,549.25 1
2210 QUIET LAKE COURT 7.125 1,202.95 80
6.875 1,202.95 166,000.00
LEAGUE CITY TX 77573 1 10/27/97 00
025644022 03 12/01/97 0
025644022 O 11/01/12
0
1666182 144/144 F 74,200.00 ZZ
180 74,200.00 3
1374 HELDERBERG AVENUE 7.375 682.58 70
7.125 682.58 106,000.00
SCHENECTADY NY 12306 5 01/09/98 00
41653263 05 03/01/98 0
41653263 N 02/01/13
0
1666308 E22/G02 F 105,000.00 ZZ
180 104,335.93 4
1818 BINZ STREET 8.875 1,057.19 70
8.625 1,057.19 150,000.00
HOUSTON TX 77004 2 12/01/97 00
0410622609 05 01/01/98 0
410622609 N 12/01/12
0
1666313 180/G02 F 42,250.00 ZZ
180 42,135.80 1
4480 SW 96TH 8.750 422.27 65
8.500 422.27 65,000.00
BEAVERTON OR 97006 5 12/23/97 00
0430580753 01 02/01/98 0
12277448 N 01/01/13
0
1666316 E22/G02 F 111,000.00 T
180 110,397.79 1
17920 GULF BLVD. UNIT 403 8.750 1,109.39 75
8.500 1,109.39 148,000.00
REDINGTON SHORE FL 33708 1 11/25/97 00
0410623144 06 01/01/98 0
410623144 O 12/01/12
0
1
1666317 E22/G02 F 88,000.00 ZZ
180 87,517.21 2
420 S.E 9TH COURT 8.625 873.03 80
8.375 873.03 110,000.00
FT. LAUDERDALE FL 33316 1 12/01/97 00
0410614911 05 01/01/98 0
410614911 O 12/01/12
0
1666319 E22/G02 F 45,600.00 ZZ
180 45,251.87 1
412 GRACE DRIVE 8.750 455.75 80
8.500 455.75 57,000.00
RICHMOND IN 47374 1 11/26/97 04
0410627988 05 01/01/98 12
410627988 N 12/01/12
0
1666324 E22/G02 F 107,250.00 ZZ
180 106,681.03 1
400 CENTRAL PARK WEST 9.000 1,087.80 65
UNIT #19M 8.750 1,087.80 165,000.00
NEW YORK NY 10025 5 11/26/97 00
0410600662 06 01/01/98 0
410600662 N 12/01/12
0
1666325 E22/G02 F 81,250.00 ZZ
180 80,818.96 1
400 CENTRAL PARK WEST UNIT 19Y 9.000 824.09 65
8.750 824.09 125,000.00
NEW YORK NY 10025 5 11/26/97 00
0410600597 06 01/01/98 0
410600597 N 12/01/12
0
1666327 E22/G02 F 43,050.00 ZZ
180 42,816.43 1
679 W SHELVIN 8.750 430.27 90
8.500 430.27 47,850.00
HAZEL PARK MI 48030 1 11/28/97 04
0410612246 05 01/01/98 25
410612246 N 12/01/12
0
1666336 E22/G02 F 520,000.00 ZZ
180 517,115.18 1
1
LOT 48, CHESTER BRANCH ROAD 8.500 5,120.65 80
8.250 5,120.65 650,000.00
GRANDFATHER VIL NC 28646 5 11/21/97 00
0410626154 03 01/01/98 0
410626154 O 12/01/12
0
1666371 225/225 F 63,000.00 ZZ
180 62,622.43 1
619 EISENHOWER DRIVE 7.625 588.50 75
7.375 588.50 84,000.00
DUNCANVILLE TX 75137 2 11/06/97 00
8061387 05 01/01/98 0
8061387 O 12/01/12
0
1666374 707/707 F 100,000.00 T
180 99,127.26 1
2695 SOUTH KIHEI ROAD #10-314 8.000 955.65 50
7.750 955.65 200,000.00
KIHEI HI 96753 1 10/27/97 00
6002889 01 12/01/97 0
6002889 O 11/01/12
0
1666384 225/225 F 110,000.00 ZZ
180 109,237.56 1
3365 WISCONSIN STREET 7.375 1,011.92 80
7.125 1,011.92 138,000.00
OAKLAND CA 94602 1 11/05/97 00
8073161 05 01/01/98 0
8073161 O 12/01/12
0
1666391 E22/G02 F 210,000.00 ZZ
180 209,372.71 1
9002 NORTHEAST 10TH STREET 7.625 1,961.67 35
7.375 1,961.67 600,000.00
BELLEVUE WA 98004 1 12/03/97 00
0410632475 05 02/01/98 0
410632475 O 01/01/13
0
1666496 731/G02 F 59,200.00 ZZ
180 59,041.78 2
6584 CARRIAGE COURT 8.875 596.05 80
8.625 596.05 74,000.00
UNION CITY GA 30291 1 12/05/97 00
0430532978 05 02/01/98 0
1
3140665816 N 01/01/13
0
1666500 286/286 F 28,700.00 ZZ
180 28,465.57 1
616 N. ROBINSON STREET 8.750 286.85 64
8.500 286.85 45,000.00
BALTIMORE MD 21205 5 10/22/97 00
8699522 05 12/01/97 0
8699522 N 11/01/12
0
1666515 286/286 F 30,000.00 ZZ
180 29,686.64 1
195 GRANT AVE 8.500 295.43 42
8.250 295.43 73,000.00
JERSEY CITY NJ 07305 5 10/10/97 00
8639402 05 12/01/97 0
8639402 N 11/01/12
0
1666518 286/286 F 45,000.00 T
180 44,589.72 1
35651 CEDAR ISLAND 7.500 417.16 45
7.250 417.16 100,000.00
FOX LAKE IL 60020 5 10/16/97 00
8642840 05 12/01/97 0
8642840 O 11/01/12
0
1666524 286/286 F 66,300.00 ZZ
180 65,733.93 1
348 CUSHING AVE 8.250 643.21 59
8.000 643.21 113,000.00
DAYTON OH 45429 5 10/20/97 00
8663045 05 12/01/97 0
8663045 N 11/01/12
0
1666543 286/286 F 195,000.00 ZZ
180 191,251.83 1
215 SILVER SPRING RD 8.250 1,891.78 65
8.000 1,891.78 300,000.00
SOUTH SALEM NY 10590 5 09/25/97 00
8638774 05 11/01/97 0
8638774 O 10/01/12
0
1
1666547 286/286 F 60,000.00 ZZ
180 59,314.61 1
128 N BUTRICK 8.250 582.09 71
8.000 582.09 85,000.00
WAUKEGAN IL 60085 5 09/17/97 00
8642806 05 11/01/97 0
8642806 N 10/01/12
0
1666604 E08/G02 F 87,500.00 ZZ
180 87,255.43 1
3631 SW 13TH STREET 8.375 855.25 70
8.125 855.25 125,000.00
MIAMI FL 33145 5 12/22/97 00
0430562694 05 02/01/98 0
214159 N 01/01/13
0
1666610 737/G02 F 121,600.00 ZZ
180 120,887.03 1
611 W GILBRALTAR LANE 7.875 1,153.32 80
7.625 1,153.32 152,000.00
PHOENIX AZ 85023 5 11/19/97 00
0430540658 03 01/01/98 0
513939 O 12/01/12
0
1666621 A37/G02 F 52,000.00 ZZ
180 51,708.30 1
13 PARKSIDE COURT-#15 8.375 508.26 80
8.125 508.26 65,000.00
VERNON HILLS IL 60061 1 11/25/97 00
0430536029 01 01/01/98 0
97W21552 N 12/01/12
0
1666638 K15/G02 F 145,000.00 ZZ
180 144,159.14 1
300 WATERFRON DRIVE 8.000 1,385.70 58
7.750 1,385.70 252,000.00
COLONIAL HEIGHT VA 23834 2 12/03/97 00
0430540112 05 01/01/98 0
621484 O 12/01/12
0
1666697 286/286 F 178,400.00 ZZ
180 177,284.08 1
15 HEWETSON COURT 7.875 1,692.04 80
7.625 1,692.04 223,000.00
1
BALTIMORE MD 21093 2 11/07/97 00
8699809 07 01/01/98 0
8699809 O 12/01/12
0
1666698 286/286 F 60,000.00 ZZ
180 59,314.61 1
115 S LEWIS AVE 8.250 582.09 66
8.000 582.09 91,000.00
WAUKEGAN IL 60085 5 09/17/97 00
8642807 05 11/01/97 0
8642807 N 10/01/12
0
1666768 E22/G02 F 27,900.00 ZZ
180 27,746.93 1
2028 TULANE DRIVE 8.625 276.79 90
8.375 276.79 31,000.00
GAUTIER MS 39553 1 11/20/97 12
0410589386 05 01/01/98 25
410589386 N 12/01/12
0
1666846 G51/G02 F 52,200.00 ZZ
180 52,054.09 2
1379 EAGLE STREET 8.375 510.22 90
8.125 510.22 58,000.00
FREEDOM NY 14065 1 12/08/97 04
0430544247 05 02/01/98 25
239203 N 01/01/13
0
1666866 568/G02 F 120,000.00 ZZ
180 119,296.42 1
8517 SONETO LANE 7.875 1,138.14 75
7.625 1,138.14 162,000.00
LAS VEGAS NV 89117 1 11/24/97 00
0430530170 05 01/01/98 0
809539 O 12/01/12
0
1666892 G97/G02 F 105,000.00 ZZ
180 105,000.00 1
8765 BAYVIEW COURT 8.000 1,003.43 31
7.750 1,003.43 340,000.00
PINCKNEY MI 48169 2 01/05/98 00
0430581629 05 03/01/98 0
UNKNOWN O 02/01/13
0
1
1666934 G96/G02 F 93,500.00 ZZ
180 93,220.69 1
28 SILVERTON COURT 7.625 873.42 80
7.375 873.42 117,000.00
COCKEYSVILLE MD 21030 2 12/22/97 00
0430545400 03 02/01/98 0
1007003 N 01/01/13
0
1666944 A52/G02 F 91,600.00 ZZ
180 91,311.00 1
515 DEERTRACK DRIVE 7.000 823.33 70
6.750 823.33 132,500.00
CANTON GA 30114 2 12/12/97 00
0430536359 05 02/01/98 0
1666944 O 01/01/13
0
1667078 074/G02 F 150,000.00 ZZ
180 148,305.31 1
275 WORTHINGTON MILL RD 8.375 1,466.14 49
8.125 1,466.14 310,000.00
RICHBORO PA 18954 1 09/30/97 00
0430549931 05 11/01/97 0
1101212100 O 10/01/12
0
1667079 074/G02 F 60,000.00 ZZ
180 59,149.66 1
74 GROVE ST 8.375 586.46 80
8.125 586.46 75,000.00
MIDDLETOWN NJ 07748 1 08/26/97 00
0430549956 05 10/01/97 0
1101218457 N 09/01/12
0
1667081 074/G02 F 50,750.00 ZZ
180 50,445.84 1
4760 BABYLON 7.625 474.07 64
7.375 474.07 80,000.00
DAYTON OH 45439 2 11/14/97 00
0430550012 05 01/01/98 0
1113701115 N 12/01/12
0
1667082 074/G02 F 64,000.00 ZZ
180 63,616.44 1
1
4740 ROLLING STREET 7.625 597.84 80
7.375 597.84 80,000.00
DAYTON OH 45439 2 11/14/97 00
0430550038 05 01/01/98 0
1113701159 N 12/01/12
0
1667083 074/G02 F 70,800.00 ZZ
180 69,973.38 1
150 E 37TH ST APT-2E 8.000 676.60 70
7.750 676.60 101,200.00
NEW YORK NY 10022 1 09/26/97 00
0430550046 06 11/01/97 0
1115700984 N 10/01/12
0
1667084 074/G02 F 70,000.00 ZZ
180 68,941.14 1
1 RISNER AVE 7.625 653.89 80
7.375 653.89 87,500.00
PENNS GROVE NJ 08069 1 09/04/97 00
0430550079 05 10/01/97 0
1161228903 O 09/01/12
0
1667085 074/G02 F 150,000.00 ZZ
180 148,248.66 1
103 PARKVIEW CR 8.000 1,433.48 41
7.750 1,433.48 371,000.00
MEDIA PA 19063 1 09/25/97 00
0430550103 03 11/01/97 0
1171167306 O 10/01/12
0
1667087 074/G02 F 89,400.00 ZZ
180 87,973.99 1
2020 OAK ST 7.875 847.91 80
7.625 847.91 113,000.00
WILMINGTON DE 19808 2 08/11/97 00
0430550160 05 10/01/97 0
1181080962 O 09/01/12
0
1667088 074/G02 F 20,000.00 ZZ
180 19,713.44 1
5230 E BROWN RD UNIT 270 8.250 194.03 25
8.000 194.03 80,000.00
MESA AZ 85205 5 08/20/97 00
0430550186 01 10/01/97 0
1
1203010867 N 09/01/12
0
1667092 074/G02 F 65,000.00 T
180 64,257.53 1
6960 E WGUSOERUBG NESQYUTE TR. 8.250 630.59 35
8.000 630.59 188,082.00
SCOTTSDALE AZ 85262 1 09/04/97 00
0430550244 03 11/01/97 0
1204008022 O 10/01/12
0
1667093 074/G02 F 55,000.00 ZZ
180 54,666.74 1
3901 SNOW CIRCLE PL 7.500 509.86 30
7.250 509.86 185,000.00
PINETOP AZ 85935 1 11/18/97 00
0430550277 03 01/01/98 0
1209001654 O 12/01/12
0
1667094 074/G02 F 42,050.00 ZZ
180 41,454.06 2
10 S GRANDE AVE 8.375 411.01 55
8.125 411.01 76,500.00
TUCSON AZ 85745 1 08/11/97 00
0430550293 05 10/01/97 0
1221170286 N 09/01/12
0
1667095 074/G02 F 168,000.00 ZZ
180 165,995.32 1
603 PASEO PALOMINO 7.750 1,581.34 80
7.500 1,581.34 210,000.00
RIO RICO AZ 85648 1 09/02/97 00
0430550301 05 11/01/97 0
1221170854 O 10/01/12
0
1667096 074/G02 F 200,000.00 ZZ
180 197,613.47 1
329 SOUTH SWALL DRIVE 7.750 1,882.55 23
7.500 1,882.55 875,000.00
BEVERLY HILLS CA 90211 5 09/05/97 00
0430550442 05 11/01/97 0
1230012129 O 10/01/12
0
1
1667098 074/G02 F 78,000.00 ZZ
180 77,079.33 1
2015 REGENT STREET 7.875 739.79 38
7.625 739.79 208,000.00
RENO NV 89509 5 09/05/97 00
0430550509 05 11/01/97 0
1253049161 N 10/01/12
0
1667099 074/G02 F 19,500.00 ZZ
180 19,329.82 1
2221 KIETZKE LANE UNIT C 8.000 186.35 33
7.750 186.35 59,500.00
RENO NV 89502 1 10/27/97 00
0430550533 01 12/01/97 0
1253050411 N 11/01/12
0
1667100 074/G02 F 70,000.00 T
180 69,217.78 1
1800 S OCEAN BLVD UNIT 1102 8.500 689.32 40
8.250 689.32 175,000.00
POMPANO BEACH FL 33062 1 09/26/97 00
0430550558 06 11/01/97 0
1301130892 O 10/01/12
0
1667101 074/G02 F 118,990.00 ZZ
180 117,585.49 1
9871 S GRAND DUKE CR 7.875 1,128.56 80
7.625 1,128.56 149,000.00
TAMARAC FL 33321 1 09/26/97 00
0430550574 03 11/01/97 0
1301130983 O 10/01/12
0
1667102 074/G02 F 77,475.00 ZZ
180 77,030.66 1
961 SE 20TH AVE UNIT 201 8.125 745.99 78
7.875 745.99 100,000.00
DEERFIELD BEACH FL 33441 2 11/21/97 00
0430550608 01 01/01/98 0
1301132399 O 12/01/12
0
1667103 074/G02 F 20,000.00 ZZ
180 19,776.51 1
4220 NW 21 ST UNIT 222 8.500 196.95 67
8.250 196.95 30,000.00
1
LAUDERHILL FL 33313 5 09/30/97 00
0430550640 01 11/01/97 0
1302026998 N 10/01/12
0
1667104 074/G02 F 20,000.00 ZZ
180 19,776.51 1
4241 NW 19 ST UNIT 154 8.500 196.95 63
8.250 196.95 32,000.00
LAUDERHILL FL 33313 5 09/30/97 00
0430550665 01 11/01/97 0
1302027017 N 10/01/12
0
1667105 074/G02 F 95,000.00 ZZ
180 94,143.26 1
830 WREN AVE 7.625 887.42 71
7.375 887.42 135,000.00
MIAMI SPRINGSS FL 33166 5 10/27/97 00
0430550699 05 12/01/97 0
1302027662 O 11/01/12
0
1667106 074/G02 F 120,000.00 ZZ
180 118,952.71 1
10034 SW 164 PL 8.000 1,146.78 57
7.750 1,146.78 214,138.00
MIAMI FL 33196 1 10/30/97 00
0430550715 03 12/01/97 0
1311297442 O 11/01/12
0
1667107 074/G02 F 88,500.00 ZZ
180 87,445.28 4
215 NE 6TH STREET 8.250 858.57 70
8.000 858.57 127,000.00
GAINESVILLE FL 32601 5 09/03/97 00
0430550731 05 11/01/97 0
1322023020 N 10/01/12
0
1667108 074/G02 F 32,400.00 ZZ
180 32,207.94 1
2841 SE 18TH AVE 7.750 304.97 90
7.500 304.97 36,000.00
GAINESVILLE FL 32641 1 11/17/97 11
0430550756 05 01/01/98 25
1322025750 N 12/01/12
0
1
1667109 074/G02 F 90,000.00 ZZ
180 88,519.56 1
9255 HUNTERBORO DRIVE 7.750 847.15 30
7.500 847.15 310,000.00
BRENTWOOD TN 37027 1 09/26/97 00
0430550764 05 11/01/97 0
1341031830 O 10/01/12
0
1667111 074/G02 F 150,000.00 T
180 148,705.18 1
5445 GULF BLVD PENTHOUSE 2 8.125 1,444.32 65
7.875 1,444.32 233,500.00
ST PETERSBURG FL 33706 1 10/30/97 00
0430550822 08 12/01/97 0
1381085813 O 11/01/12
0
1667112 074/G02 F 51,000.00 ZZ
180 50,252.50 1
7510 SUNSHINE SKYWAY LN 208 8.250 494.77 75
8.000 494.77 68,000.00
ST PETERSBURG FL 33715 1 08/20/97 00
0430550848 01 10/01/97 0
1381103620 O 09/01/12
0
1667113 074/G02 F 137,600.00 ZZ
180 136,345.48 1
2243 EVEREST PKWY 7.500 1,275.57 80
7.250 1,275.57 172,000.00
CAPE CORAL FL 33904 5 10/27/97 00
0430550863 05 12/01/97 0
1381115700 O 11/01/12
0
1667114 074/G02 F 36,000.00 ZZ
180 35,481.70 1
4385 MAXWELL DR 8.250 349.25 90
8.000 349.25 40,000.00
MELBOURNE FL 32935 1 08/15/97 21
0430550889 05 10/01/97 25
1391048085 N 09/01/12
0
1667116 074/G02 F 100,000.00 ZZ
180 99,107.92 1
1
212 18TH AVENUE NW 7.750 941.28 50
7.500 941.28 201,000.00
BIRMINGHAM AL 35215 5 10/07/97 00
0430550905 05 12/01/97 0
1445006418 O 11/01/12
0
1667118 074/G02 F 150,000.00 T
180 100,644.63 1
2600 GULF SHORE BLVD N APT 21 7.500 1,390.52 79
7.250 1,390.52 190,000.00
NAPLES FL 34103 1 10/15/97 00
0430550913 08 12/01/97 0
1456012117 O 11/01/12
0
1667121 074/G02 F 80,000.00 ZZ
180 78,853.80 2
126 WEST CENTRAL AVENUE 8.250 776.11 48
8.000 776.11 168,000.00
BERGENFIELD NJ 07621 5 08/08/97 00
0430550954 05 10/01/97 0
1500310940 O 09/01/12
0
1667122 074/G02 F 40,000.00 ZZ
180 39,420.79 1
123 CRABAPPLE LANE 8.375 390.97 53
8.125 390.97 76,500.00
FRANKLIN PARK NJ 08823 1 08/11/97 00
0430550970 01 10/01/97 0
1500362998 O 09/01/12
0
1667125 074/G02 F 300,000.00 ZZ
180 297,235.02 1
9 FIREPLACE NECK ROAD 7.375 2,759.77 75
7.125 2,759.77 400,000.00
BROOKHAVEN HAML NY 11719 1 10/10/97 00
0430551010 05 12/01/97 0
1500379196 O 11/01/12
0
1667126 074/G02 F 100,000.00 ZZ
180 99,413.68 1
56 05 230TH STREET 7.875 948.45 38
7.625 948.45 265,000.00
BAYSIDE NY 11364 1 11/07/97 00
0430551036 05 01/01/98 0
1
1500382441 O 12/01/12
0
1667128 074/G02 F 42,500.00 ZZ
180 42,119.15 1
6085 APACHE DRIVE 7.875 403.10 85
7.625 403.10 50,000.00
KILN MS 39556 5 10/30/97 04
0430551069 03 12/01/97 12
1500388914 O 11/01/12
0
1667130 074/G02 F 57,800.00 ZZ
180 57,295.54 1
10496 EAST COUNTY ROAD 900 8.000 552.37 82
NORTH 7.750 552.37 71,000.00
TWELVE MILE IN 46988 5 10/23/97 11
0430551093 05 12/01/97 12
1500395465 O 11/01/12
0
1667131 074/G02 F 150,000.00 ZZ
180 147,706.41 1
3000 RESERVOIR ROAD 7.500 1,390.52 72
7.250 1,390.52 211,000.00
LITTLE ROCK AR 72227 2 08/28/97 00
0430551119 05 10/01/97 0
1504158971 O 09/01/12
0
1667132 074/G02 F 56,400.00 ZZ
180 55,726.69 1
32 CANNON ROAD 7.750 530.88 83
7.500 530.88 68,000.00
OXFORD MS 38655 1 09/05/97 01
0430551135 05 11/01/97 12
1504162549 N 10/01/12
0
1667133 074/G02 F 60,000.00 ZZ
180 59,081.43 1
26 BRENNAN LANE 7.750 564.77 43
7.500 564.77 140,000.00
LITTLE ROCK AR 72207 1 09/26/97 00
0430551150 05 11/01/97 0
1504169639 O 10/01/12
0
1
1667134 074/G02 F 75,000.00 ZZ
180 73,901.76 1
12302 QUARTZ PLACE 8.000 716.74 50
7.750 716.74 153,000.00
GARDEN GROVE CA 92843 5 08/05/97 00
0430551218 05 10/01/97 0
1506303211 N 09/01/12
0
1667136 074/G02 F 140,000.00 ZZ
180 138,804.72 1
1004 BONNIE LANE 8.250 1,358.20 78
8.000 1,358.20 180,000.00
PEOTONE IL 60468 1 10/13/97 00
0430551242 05 12/01/97 0
1507320216 O 11/01/12
0
1667137 074/G02 F 18,900.00 ZZ
180 18,735.44 2
1712 N. LINN STREET 8.875 190.29 90
8.625 190.29 21,000.00
PEORIA IL 61604 1 10/20/97 04
0430551275 05 12/01/97 20
1507320792 N 11/01/12
0
1667138 074/G02 F 177,000.00 ZZ
180 175,538.17 1
43100 TWELVE OAKS CRESCENT #26 8.625 1,755.98 80
8.375 1,755.98 221,275.00
NOVI MI 48377 1 10/02/97 00
0430551291 08 12/01/97 0
1507323553 O 11/01/12
0
1667139 074/G02 F 156,000.00 ZZ
180 154,682.76 1
2926 BEMBRIDGE RD 8.375 1,524.78 77
8.125 1,524.78 205,000.00
ROYAL OAK MI 48073 2 10/15/97 00
0430551317 05 12/01/97 0
1507324013 O 11/01/12
0
1667141 074/G02 F 67,500.00 T
180 66,237.78 1
3446 NW 7TH AVE 8.625 669.65 90
8.375 669.65 75,000.00
1
GAINESVILLE FL 32605 1 07/30/97 04
0430551341 05 09/01/97 25
1511162083 O 08/01/12
0
1667142 074/G02 F 40,800.00 ZZ
180 40,221.78 1
477 NE 107TH STREET 8.375 398.79 80
8.125 398.79 51,000.00
MIAMI FL 33138 1 08/25/97 00
0430551374 05 10/01/97 0
1511173104 O 09/01/12
0
1667143 074/G02 F 40,350.00 ZZ
180 39,904.04 1
1186 OLD PINNACLE ROAD 8.625 400.31 90
8.375 400.31 44,850.00
JOELTON TN 37080 1 09/15/97 10
0430551390 05 11/01/97 25
1511175020 N 10/01/12
0
1667144 074/G02 F 135,000.00 ZZ
180 132,979.85 1
633 GRECKEN GREEN 7.750 1,270.72 70
7.500 1,270.72 193,000.00
PEACHTREE CITY GA 30269 1 08/29/97 00
0430551424 05 10/01/97 0
1511175289 O 09/01/12
0
1667145 074/G02 F 37,350.00 ZZ
180 36,833.57 1
326 LAKELAND AVE 8.750 373.30 90
8.500 373.30 41,500.00
ORLANDO FL 32805 1 08/22/97 04
0430551440 05 10/01/97 25
1511175405 N 09/01/12
0
1667147 074/G02 F 30,000.00 ZZ
180 29,741.01 1
44 WARREN STREET SE 8.125 288.87 54
7.875 288.87 56,000.00
ATLANTA GA 30317 5 10/13/97 00
0430551473 05 12/01/97 0
1511180846 N 11/01/12
0
1
1667148 074/G02 F 54,800.00 T
180 54,207.64 1
10750 S.W. 88TH ST. #J-16 8.875 551.75 80
8.625 551.75 68,500.00
MIAMI FL 33176 1 09/09/97 00
0430551507 01 11/01/97 0
1511184268 O 10/01/12
0
1667149 074/G02 F 33,900.00 ZZ
180 33,623.12 1
5928 SOUTH RUE ROAD 8.750 338.81 60
8.500 338.81 56,500.00
WEST PALM BEACH FL 33415 5 10/21/97 00
0430551523 05 12/01/97 0
1511184891 N 11/01/12
0
1667150 074/G02 F 64,000.00 ZZ
180 63,219.56 1
1318 SUNSET DRIVE 7.500 593.29 80
7.250 593.29 81,000.00
SLIDELL LA 70460 5 09/30/97 00
0430551556 05 11/01/97 0
1511188145 O 10/01/12
0
1667151 074/G02 F 90,000.00 T
180 88,322.09 1
3901 VIEWPOINT 7.375 827.93 90
7.125 827.93 100,000.00
GRANBURY TX 76048 1 07/30/97 10
0430551572 05 09/01/97 25
1512145487 O 08/01/12
0
1667152 074/G02 F 35,700.00 ZZ
180 35,165.76 1
6034 MCAFEE STREET 7.750 336.04 76
7.500 336.04 47,500.00
THE COLONY TX 75056 2 08/18/97 00
0430551580 05 10/01/97 0
1512145942 N 09/01/12
0
1667153 074/G02 F 38,325.00 ZZ
180 37,787.79 1
1
1102 IOLA AVENUE 8.500 377.40 70
8.250 377.40 54,750.00
LUBBOCK TX 79416 1 08/27/97 00
0430551598 05 10/01/97 0
1512149284 N 09/01/12
0
1667154 074/G02 F 37,200.00 ZZ
180 36,678.57 1
620 SOUTH STREET UNIT #110 8.500 366.32 95
8.250 366.32 39,200.00
AUSTIN TX 78704 1 08/14/97 12
0430551606 01 10/01/97 30
1512155550 O 09/01/12
0
1667155 074/G02 F 150,000.00 ZZ
180 148,719.33 1
2024 NE WATERFIELD DRIVE 8.250 1,455.22 77
8.000 1,455.22 195,000.00
BLUE SPRINGS MO 64014 2 10/10/97 00
0430551614 03 12/01/97 0
1512179570 O 11/01/12
0
1667156 074/G02 F 72,000.00 ZZ
180 71,600.55 1
12531 S. CONSTANCE ST. 8.500 709.02 80
8.250 709.02 90,000.00
OLATHE KS 66062 2 11/07/97 00
0430551630 09 01/01/98 0
1512186101 N 12/01/12
0
1667157 074/G02 F 53,600.00 ZZ
180 52,053.50 1
4009 HORIZON PLACE 8.375 523.90 80
8.125 523.90 67,000.00
FORT WORTH TX 76133 1 08/06/97 10
0430551655 05 10/01/97 12
1512904577 N 09/01/12
0
1667158 074/G02 F 126,500.00 ZZ
180 124,726.76 1
136 UPPER THOMPSON LAKE ROAD 8.500 1,245.70 51
8.250 1,245.70 249,500.00
LIBBY MT 59923 5 08/18/97 00
0430551671 05 10/01/97 0
1
1513173182 O 09/01/12
0
1667159 074/G02 F 83,070.00 T
180 81,261.41 1
1172 NORTH 19TH STREE 7.375 764.18 90
7.125 764.18 92,300.00
LARAMIE WY 82070 1 07/02/97 10
0430551705 05 08/01/97 25
1513174913 O 07/01/12
0
1667161 074/G02 F 52,200.00 ZZ
180 51,629.43 1
2633 7TH AVENUE 8.750 521.72 90
8.500 521.72 58,000.00
PUEBLO CO 81008 1 09/29/97 04
0430551762 05 11/01/97 25
1513193226 N 10/01/12
0
1667163 074/G02 F 64,800.00 ZZ
180 63,900.61 1
153 DOGWOOD STREET 7.375 596.11 80
7.125 596.11 81,000.00
SUGAR LAND TX 77478 1 09/29/97 00
0430551804 05 11/01/97 0
1521041562 N 10/01/12
0
1667164 074/G02 F 176,250.00 T
180 174,660.51 1
22014 KENNEDY DRIVE 7.625 1,646.40 75
7.375 1,646.40 235,000.00
GALVESTON TX 77550 1 10/08/97 00
0430551838 03 12/01/97 0
1521044108 O 11/01/12
0
1667165 074/G02 F 60,150.00 ZZ
180 59,601.60 1
3611 GLENWOOD SPRINGS DRIVE 7.500 557.60 80
7.250 557.60 75,188.00
KINGWOOD TX 77345 1 10/22/97 00
0430551853 03 12/01/97 0
1521044710 O 11/01/12
0
1
1667167 074/G02 F 78,400.00 ZZ
180 77,715.78 1
319 ANTLER COURT 8.000 749.23 70
7.750 749.23 112,000.00
LEWISVILLE TX 75067 2 10/16/97 00
0430551911 05 12/01/97 0
1524013574 N 11/01/12
0
1667168 074/G02 F 48,750.00 ZZ
180 48,464.17 1
4704 ABBOTT AVENUE 7.875 462.37 75
7.625 462.37 65,000.00
HIGHLAND PARK TX 75205 1 11/18/97 00
0430551937 01 01/01/98 0
1524015150 N 12/01/12
0
1667170 074/G02 F 65,600.00 ZZ
180 64,608.52 1
1115 S INDIANA AVENUE 8.000 626.91 80
7.750 626.91 82,000.00
BROWNSVILLE TX 78521 1 08/29/97 00
0430551994 05 10/01/97 0
1526008360 O 09/01/12
0
1667172 074/G02 F 60,900.00 T
180 59,893.07 1
110 E MARS STREET 8.875 613.17 70
8.625 613.17 87,000.00
SOUTH PADRE ISL TX 78597 1 09/08/97 00
0430552042 01 11/01/97 0
1526009545 O 10/01/12
0
1667173 074/G02 F 55,900.00 T
180 55,268.46 1
1405 VENTURA DR 8.375 546.38 70
8.125 546.38 79,900.00
BROWNSVILLE TX 78521 1 09/26/97 00
0430552075 05 11/01/97 0
1526010067 O 10/01/12
0
1667174 074/G02 F 35,000.00 ZZ
180 34,697.87 2
5322-5324 HOWARD ST 8.125 337.01 70
7.875 337.01 50,000.00
1
SAN ANTONIO TX 78212 1 10/15/97 00
0430552109 05 12/01/97 0
1526010180 N 11/01/12
0
1667176 074/G02 F 173,500.00 ZZ
180 171,952.28 1
7511 MORETON COURT 7.750 1,633.11 80
7.500 1,633.11 216,900.00
SPRING TX 77379 1 10/29/97 00
0430552174 03 12/01/97 0
1532012249 O 11/01/12
0
1667178 074/G02 F 141,800.00 ZZ
180 140,507.20 1
5410 BRAXTONSHIRE COURT 7.500 1,314.50 65
7.250 1,314.50 220,000.00
HOUSTON TX 77069 2 10/24/97 00
0430552265 03 12/01/97 0
1532012996 O 11/01/12
0
1667179 074/G02 F 56,000.00 ZZ
180 54,579.12 1
11 DORCHESTER CT 7.875 531.13 80
7.625 531.13 70,000.00
WAUKEGAN IL 60085 1 09/26/97 00
0430552299 05 11/01/97 0
1606084186 O 10/01/12
0
1667182 074/G02 F 25,650.00 ZZ
180 25,504.51 1
6947 ETZEL 8.250 248.84 90
8.000 248.84 28,500.00
ST LOUIS MO 63130 1 11/13/97 14
0430552372 05 01/01/98 25
1632029957 N 12/01/12
0
1667183 074/G02 F 34,400.00 ZZ
180 34,200.52 1
4164 HUMPHREY STREET 8.000 328.74 80
7.750 328.74 43,000.00
ST LOUIS MO 63116 1 11/12/97 00
0430552414 05 01/01/98 0
1632030049 O 12/01/12
0
1
1667186 074/G02 F 61,100.00 ZZ
180 60,540.11 3
3205 GRAND AVE S 7.875 579.50 65
7.625 579.50 94,000.00
MINNEAPOLIS MN 55408 2 10/10/97 00
0430552463 05 12/01/97 0
1664092319 N 11/01/12
0
1667187 074/G02 F 154,500.00 ZZ
180 153,563.87 1
11407 WHITE CREST PL 7.500 1,432.23 68
7.250 1,432.23 228,875.00
GERMANTOWN MD 20876 1 11/26/97 00
0430552497 03 01/01/98 0
1741167840 O 12/01/12
0
1667188 074/G02 F 87,000.00 ZZ
180 86,198.16 1
8383 HARTS MILL ROAD 7.375 800.33 41
7.125 800.33 215,000.00
WARRENTON VA 20186 2 10/27/97 00
0430552539 05 12/01/97 0
1763021984 O 11/01/12
0
1667189 074/G02 F 65,000.00 ZZ
180 64,377.09 1
2280 CLAYMILL DRIVE 7.750 611.83 66
7.500 611.83 98,500.00
NEWPORT NEWS VA 23602 5 10/27/97 00
0430552588 05 12/01/97 0
1782053988 O 11/01/12
0
1667191 074/G02 F 40,400.00 ZZ
180 40,062.64 1
110 LANARK STREET UNIT 15 8.500 397.83 80
8.250 397.83 50,500.00
BRIGHTON MA 02135 1 10/30/97 00
0430552653 01 12/01/97 0
1813088883 N 11/01/12
0
1667192 074/G02 F 34,300.00 ZZ
180 33,929.23 1
1
34 KINROSS ROAD UNIT 2 8.875 345.35 70
8.625 345.35 49,000.00
BRIGHTON MA 02135 1 09/10/97 00
0430552703 01 11/01/97 0
1813089718 N 10/01/12
0
1667193 074/G02 F 44,000.00 ZZ
180 43,742.02 1
182 HAVERHILL STREET 7.875 417.32 47
7.625 417.32 94,000.00
DRACUT MA 01826 2 11/21/97 00
0430552737 05 01/01/98 0
1816009453 O 12/01/12
0
1667194 074/G02 F 120,000.00 ZZ
180 118,929.53 1
11 OAKVIEW LANE 7.750 1,129.53 72
7.500 1,129.53 168,000.00
WESTPORT CT 06880 1 10/08/97 00
0430552786 03 12/01/97 0
1817134574 O 11/01/12
0
1667195 074/G02 F 52,000.00 ZZ
180 51,246.78 1
3007 PEEBLES DRIVE 8.125 500.70 78
7.875 500.70 67,500.00
GREENSBORO NC 27403 1 08/25/97 00
0430552828 05 10/01/97 0
1841116411 N 09/01/12
0
1667836 286/286 F 85,850.00 ZZ
180 85,117.03 1
19818 LARENTINA DRIVE 8.250 832.87 85
8.000 832.87 101,000.00
GERMANTOWN MD 20874 5 10/29/97 04
0008699816 09 12/01/97 12
0008699816 O 11/01/12
0
1667902 253/253 F 39,150.00 ZZ
180 38,827.25 1
402 WARRIOR TRAIL 8.250 379.81 90
8.000 379.81 43,500.00
GRAND PRAIRIE TX 75051 1 11/26/97 14
903685 07 01/01/98 25
1
903685 N 12/01/12
0
1667904 253/253 F 39,150.00 ZZ
180 38,822.30 1
404 WARRIOR TRAIL 8.000 374.14 90
7.750 374.14 43,500.00
GRAND PRAIRIE TX 75051 1 11/26/97 04
904565 05 01/01/98 25
904565 N 12/01/12
0
1667961 638/G02 F 128,250.00 ZZ
180 127,498.03 1
2137 WEST HIAWATHA AVENUE 7.875 1,216.39 75
7.625 1,216.39 171,000.00
ANAHEIM CA 92804 2 11/12/97 00
0430529446 05 01/01/98 0
8681541 O 12/01/12
0
1667983 766/G02 F 101,400.00 ZZ
180 101,119.72 1
1709 SW 23 TERRACE 8.500 998.53 76
8.250 998.53 135,000.00
MIAMI FL 33145 5 12/24/97 00
0430581231 05 02/01/98 0
970Z0827 O 01/01/13
0
1668006 H09/G02 F 211,000.00 ZZ
180 211,000.00 1
28855 VIA DE LUNA 7.000 1,896.53 80
6.750 1,896.53 264,000.00
LAGUNA NIGUEL CA 92677 2 01/13/98 00
0430572586 03 03/01/98 0
1668006 O 02/01/13
0
1668336 E22/G02 F 180,000.00 ZZ
180 178,866.57 3
5023 N SPRINGFIELD 7.875 1,707.21 80
7.625 1,707.21 225,000.00
CHICAGO IL 60625 2 11/21/97 00
0410602932 05 01/01/98 0
410602932 O 12/01/12
0
1
1668346 E22/G02 F 73,000.00 ZZ
180 72,581.33 1
180 PALSA AVENUE 8.125 702.90 43
7.875 702.90 171,000.00
ELMWOOD PARK NJ 07407 2 11/26/97 00
0410625644 05 01/01/98 0
410625644 O 12/01/12
0
1668360 E22/G02 F 73,500.00 ZZ
180 73,270.62 1
2504 W. BROADWAY STREET 7.125 665.79 79
6.875 665.79 94,000.00
BROKEN ARROW OK 74012 2 12/02/97 23
0410622880 05 02/01/98 0
410622880 N 01/01/13
0
1668378 F27/G02 F 134,950.00 ZZ
180 133,339.66 1
2701 CURZON COURT 7.750 1,270.26 52
7.500 1,270.26 260,000.00
VIENNA VA 22181 2 09/24/97 00
0430568576 09 10/01/97 0
116277396 N 09/01/12
0
1668386 638/G02 F 100,000.00 ZZ
180 99,334.39 1
3757 HILLSBOROUGH DRIVE 7.625 934.13 61
7.375 934.13 165,000.00
CONCORD CA 94520 5 11/21/97 00
0430536474 05 01/01/98 0
8680124 O 12/01/12
0
1668603 A52/G02 F 58,400.00 ZZ
180 58,400.00 1
276 NORTH JUNIPER CREEK ROAD 7.250 533.11 73
7.000 533.11 81,000.00
BYRON GA 30108 2 01/08/98 00
0430567263 05 03/01/98 0
1668603 O 02/01/13
0
1668623 H05/H05 F 117,000.00 ZZ
180 116,638.83 1
8710 RACETRACK ROAD 7.250 1,068.05 75
7.000 1,068.05 158,000.00
1
BOWIE MD 20715 5 12/10/97 00
240140004 05 02/01/98 0
240140004 O 01/01/13
0
1668630 F16/G02 F 214,000.00 ZZ
180 212,745.27 1
6492 E PINION STREET 7.875 2,029.69 80
7.625 2,029.69 268,000.00
AGOURA CA 91301 2 11/19/97 00
0430542167 05 01/01/98 0
97D18438 O 12/01/12
0
1668644 E22/G02 F 65,000.00 ZZ
180 64,635.37 3
416 SOPRIS AVENUE 8.375 635.33 27
8.125 635.33 247,000.00
CRESTED BUTTE CO 81224 5 11/25/97 00
0410625933 05 01/01/98 0
410625933 O 12/01/12
0
1668655 E22/G02 F 32,450.00 ZZ
180 32,364.25 1
1515 ELK CIRCLE 9.000 329.13 55
8.750 329.13 59,000.00
NORMAN OK 73071 5 12/04/97 00
0410609333 05 02/01/98 0
410609333 N 01/01/13
0
1668660 E22/G02 F 107,000.00 ZZ
180 105,551.68 1
21 HARRIET WAY 7.500 991.90 78
7.250 991.90 138,000.00
ROXBURY TWP NJ 07850 2 11/26/97 00
0410575443 05 01/01/98 0
410575443 O 12/01/12
0
1668739 450/450 F 364,000.00 ZZ
180 362,912.69 1
1840 SUDBURY CT 7.625 3,400.23 80
7.375 3,400.23 455,000.00
ROCHESTER HILLS MI 48306 5 12/01/97 00
4407334 05 02/01/98 0
4407334 O 01/01/13
0
1
1668765 286/286 F 267,500.00 ZZ
180 265,982.66 1
22 CURTIS ROAD 8.250 2,595.13 68
8.000 2,595.13 395,000.00
HAMPTON FALLS NH 03844 2 11/20/97 00
8699841 05 01/01/98 0
8699841 O 12/01/12
0
1668776 286/286 F 49,000.00 ZZ
180 48,699.84 1
146 N CONEJO AVE 7.375 450.77 70
7.125 450.77 70,000.00
MODESTO CA 95354 1 11/19/97 00
8655048 05 01/01/98 0
8655048 N 12/01/12
0
1668787 286/286 F 21,600.00 ZZ
180 21,480.16 1
44 PRIEM ST 8.500 212.71 90
8.250 212.71 24,000.00
ROCHESTER NY 14607 1 11/25/97 04
8699866 05 01/01/98 25
8699866 N 12/01/12
0
1668842 286/286 F 188,700.00 ZZ
180 187,617.74 1
15 MACGREGOR DRIVE 8.125 1,816.96 85
7.875 1,816.96 222,000.00
MAHOPAC NY 10541 5 11/14/97 04
8699364 05 01/01/98 12
8699364 O 12/01/12
0
1668875 H93/G02 F 92,000.00 ZZ
180 92,000.00 2
8621-23 GODDARD 8.750 919.49 80
8.500 919.49 115,000.00
OVERLAND PARK KS 66212 1 01/05/98 00
0430577239 05 03/01/98 0
9750924 N 02/01/13
0
1668892 H05/H05 F 240,000.00 ZZ
180 239,321.66 3
1
2028 HOBART AVENUE 8.250 2,328.34 65
8.000 2,328.34 370,000.00
BRONX NY 10461 2 12/11/97 00
7110025 05 02/01/98 0
7110025 O 01/01/13
0
1668893 H05/H05 F 105,000.00 ZZ
180 104,709.77 3
3 SIXTH STREET 8.500 1,033.98 47
8.250 1,033.98 225,000.00
NEW ROCHELLE NY 10801 5 12/12/97 00
7100404 05 02/01/98 0
7100404 N 01/01/13
0
1668897 H05/H05 F 151,900.00 ZZ
180 151,480.14 3
440 SIXTH AVENUE 8.500 1,495.82 70
8.250 1,495.82 217,500.00
PELHAM NY 10803 1 12/15/97 00
7100405 05 02/01/98 0
7100405 N 01/01/13
0
1668908 450/450 F 178,500.00 ZZ
180 177,889.85 1
6868 LINCOLN RD 8.125 1,718.74 80
7.875 1,718.74 225,000.00
TOMPKINS TWP MI 49201 5 12/08/97 00
4236584 05 02/01/98 0
4236584 O 01/01/13
0
1668963 144/144 F 50,000.00 ZZ
180 49,840.53 1
1781 DOGWOOD DR. 6.875 445.93 24
6.625 445.93 215,000.00
YORKTOWN HEIGHT NY 10598 5 12/30/97 00
160613125 05 02/01/98 0
160613125 O 01/01/13
0
1668966 144/144 F 500,000.00 ZZ
180 500,000.00 1
7 SPRUCE HILL COURT 7.500 4,635.06 51
7.250 4,635.06 995,000.00
MOUNT PLEASANT NY 10570 5 01/02/98 00
160613307 05 03/01/98 0
1
160613307 O 02/01/13
0
1669085 B35/G02 F 41,250.00 ZZ
180 41,023.67 4
5025 HANNA PLACE SE 8.625 409.24 52
8.375 409.24 80,000.00
WASHINGTON DC 20019 5 11/21/97 00
0430538892 05 01/01/98 0
9782010988 N 12/01/12
0
1669108 B75/G02 F 65,000.00 ZZ
180 64,822.34 3
515 CHERRY STREET 8.625 644.85 62
8.375 644.85 106,000.00
NORRISTOWN PA 19401 5 12/08/97 00
0430539148 05 02/01/98 0
7185697 N 01/01/13
0
1669130 498/G02 F 40,950.00 ZZ
180 40,835.54 1
430 FOREST DR 8.375 400.26 90
8.125 400.26 45,500.00
MILLEDGEVILLE GA 31061 1 12/11/97 10
0430536581 05 02/01/98 25
1493884 N 01/01/13
0
1669144 904/G02 F 89,500.00 ZZ
180 89,235.57 1
1060 WEST 350 SOUTH 7.750 842.45 64
7.500 842.45 141,000.00
LOGAN UT 84321 2 12/24/97 00
0430559443 05 02/01/98 0
77578 O 01/01/13
0
1669162 638/G02 F 145,000.00 ZZ
180 144,149.84 1
1320 PRIMROSE LANE 7.875 1,375.25 74
7.625 1,375.25 196,000.00
HIGH POINT NC 27265 1 12/01/97 00
0430535088 05 01/01/98 0
8682655 O 12/01/12
0
1
1669203 G41/G02 F 108,800.00 ZZ
180 107,891.40 1
186 MUNGER AVENUE 8.500 1,071.40 80
8.250 1,071.40 136,000.00
TOWNSHIP OF EVE NJ 08053 1 10/17/97 00
0430540427 05 12/01/97 0
62000458 O 11/01/12
0
1669213 882/G02 F 57,600.00 ZZ
180 57,142.13 1
600 NE 36 STREET UNIT 1016 8.500 567.21 80
8.250 567.21 72,000.00
MIAMI FL 33137 1 12/12/97 00
0430540757 06 02/01/98 0
975299 O 01/01/13
0
1669392 K43/G02 F 79,800.00 ZZ
180 79,564.23 1
3717 EAST TARO LANE 7.750 751.14 70
7.500 751.14 114,000.00
PHOENIX AZ 85024 1 12/23/97 00
0430566554 05 02/01/98 0
9712000232 N 01/01/13
0
1669402 E22/G02 F 21,450.00 ZZ
180 21,331.00 1
5109 BEAVERHILL DRIVE 8.500 211.23 65
8.250 211.23 33,000.00
HOUSTON TX 77084 1 11/28/97 00
0410630560 03 01/01/98 0
410630560 N 12/01/12
0
1669404 E22/G02 F 19,500.00 ZZ
180 19,391.82 1
15927 REGINA DRIVE 8.500 192.02 65
8.250 192.02 30,000.00
HOUSTON TX 77084 1 11/28/97 00
0410630602 03 01/01/98 0
410630602 N 12/01/12
0
1669405 E22/G02 F 19,500.00 ZZ
180 19,391.82 1
15925 REGINA DRIVE 8.500 192.02 65
8.250 192.02 30,000.00
1
HOUSTON TX 77084 1 11/28/97 00
0410630628 03 01/01/98 0
410630628 N 12/01/12
0
1669427 E22/G02 F 100,800.00 ZZ
180 100,215.46 2
6623 S. CAMPBELL 8.000 963.30 80
7.750 963.30 126,000.00
CHICAGO IL 60629 5 12/01/97 00
0410635395 05 01/01/98 0
410635395 O 12/01/12
0
1669430 B35/G02 F 57,600.00 ZZ
180 57,134.72 1
525 FORDHAM AVENUE 8.875 579.95 80
8.625 579.95 72,000.00
PITTSBURGH PA 15226 5 10/28/97 00
0430540385 05 12/01/97 0
9782010925 O 11/01/12
0
1669434 B27/G02 F 238,400.00 ZZ
180 237,703.39 1
150 LINCOLN STREET 7.875 2,261.11 80
#4A 7.625 2,261.11 298,000.00
BOSTON MA 02111 1 12/15/97 00
0430600577 08 02/01/98 0
100208971 O 01/01/13
0
1669437 B27/G02 F 48,870.00 ZZ
180 48,727.20 1
72 ENGLEWOOD AVENUE 7.875 463.51 90
UNIT 3 7.625 463.51 54,300.00
BROOKLINE MA 02146 1 12/12/97 11
0430542639 01 02/01/98 25
1002088978 N 01/01/13
0
1669815 E22/G02 F 33,300.00 ZZ
180 33,201.62 1
410 CLINTON AVENUE 7.750 313.44 90
7.500 313.44 37,000.00
HAYSVILLE KS 67060 1 12/08/97 04
0410626121 05 02/01/98 25
410626121 N 01/01/13
0
1
1669816 E22/G02 F 90,000.00 ZZ
180 89,739.91 1
2401 LONDONDERRY DRIVE 8.000 860.09 57
7.750 860.09 160,000.00
PEARLAND TX 77581 1 12/05/97 00
0410623896 05 02/01/98 0
410623896 O 01/01/13
0
1669823 E22/G02 F 28,000.00 ZZ
180 27,922.60 1
513 1/2 MULBERRY STREET 8.500 275.73 69
8.250 275.73 41,000.00
MADISON IN 47250 5 12/05/97 00
0410624845 05 02/01/98 0
410624845 N 01/01/13
0
1669830 E22/G02 F 44,800.00 T
180 44,556.95 1
710 WASHINGTON AVENUE #502 8.750 447.75 80
8.500 447.75 56,000.00
MIAMI BEACH FL 33139 1 12/05/97 95
0410637128 08 01/01/98 0
410637128 O 12/01/12
0
1669849 E22/G02 F 44,500.00 ZZ
180 44,269.17 1
7919 ROYAL LANE # 103 9.250 457.99 65
9.000 457.99 68,500.00
DALLAS TX 75230 5 11/26/97 00
0410622625 01 01/01/98 0
410622625 N 12/01/12
0
1669867 830/830 F 80,800.00 ZZ
180 80,315.74 1
475 SOUTH 19TH AVENUE 7.625 754.78 80
7.375 754.78 101,000.00
POCATELLO ID 83201 5 12/05/97 00
533169 05 01/01/98 0
533169 O 12/01/12
0
1669904 514/G02 F 60,000.00 ZZ
180 59,822.73 1
1
15403 RIPPLESTREAM DRIVE 7.750 564.77 60
7.500 564.77 100,000.00
HOUSTON TX 77068 1 12/03/97 00
0430547679 03 02/01/98 0
837440 O 01/01/13
0
1669925 369/G02 F 49,500.00 ZZ
180 49,364.70 3
116 EAST 6TH STREET 8.625 491.08 90
8.375 491.08 55,000.00
MISHAWAKA IN 46544 1 12/08/97 01
0430543132 05 02/01/98 30
60471646 N 01/01/13
0
1669926 830/830 F 37,800.00 ZZ
180 37,691.97 1
10210 66TH AVENUE NORTH 8.125 363.97 70
7.875 363.97 54,000.00
SEMINOLE FL 33772 5 12/09/97 00
529707 05 02/01/98 0
529707 N 01/01/13
0
1669929 369/G02 F 93,500.00 ZZ
180 92,317.77 1
23119 BEECH CANYON 8.250 907.09 75
8.000 907.09 124,715.00
KATY TX 77494 1 10/23/97 00
0430543207 03 12/01/97 0
60977261 O 11/01/12
0
1669980 975/G02 F 79,500.00 ZZ
180 79,270.26 1
5102 WEST 1ST STREET #C 8.000 759.74 75
7.750 759.74 106,000.00
SANTA ANA CA 92703 5 12/04/97 00
0430541540 09 02/01/98 0
972541 O 01/01/13
0
1669982 140/G02 F 87,500.00 ZZ
180 87,263.50 4
3928 DELAWARE AVENUE 8.750 874.52 68
8.500 874.52 129,000.00
NEW ORLEANS LA 70015 5 12/31/97 00
0430574079 05 02/01/98 0
1
438117 N 01/01/13
0
1670007 B75/G02 F 105,600.00 ZZ
180 105,600.00 3
206 SUNRISE AVENUE 8.250 1,024.47 80
8.000 1,024.47 132,000.00
LANTANA FL 33462 1 01/07/98 00
0430592246 05 03/01/98 0
7210115 N 02/01/13
0
1670018 B75/G02 F 132,500.00 ZZ
180 132,129.65 1
7413 GENE STREET 8.375 1,295.09 75
8.125 1,295.09 177,000.00
ALEXANDRIA VA 22310 5 12/05/97 00
0430539171 05 02/01/98 0
7034523 O 01/01/13
0
1670047 A14/G02 F 28,000.00 ZZ
180 27,924.32 1
1800 BLUE RIDGE BOULEVARD 8.750 279.85 80
8.500 279.85 35,000.00
KANSAS CITY MO 64146 1 12/31/97 00
0430615773 05 02/01/98 0
107245 N 01/01/13
0
1670098 462/G02 F 111,000.00 ZZ
180 110,327.42 1
5165 NW 115 COURT 7.500 1,028.99 80
7.250 1,028.99 138,990.00
MIAMI FL 33178 1 11/21/97 00
0430546499 09 01/01/98 0
4989406 O 12/01/12
0
1670133 H81/G02 F 26,100.00 ZZ
180 26,100.00 1
2813 N. 58 8.750 260.86 90
8.500 260.86 29,000.00
MILWAUKEE WI 53210 1 01/09/98 10
0430577189 05 03/01/98 25
WH3164 N 02/01/13
0
1
1670338 G09/G02 F 140,000.00 ZZ
180 140,000.00 1
2030 KIRBY PARKWAY 7.375 1,287.89 37
7.125 1,287.89 380,000.00
MEMPHIS TN 38119 5 01/02/98 00
0430564757 05 03/01/98 0
B2718 O 02/01/13
0
1670470 830/830 F 46,000.00 ZZ
180 45,864.09 1
1714 NORTH HIGH 7.750 432.99 80
7.500 432.99 57,500.00
INDEPENDENCE MO 64050 5 12/16/97 00
533417 05 02/01/98 0
533417 O 01/01/13
0
1670477 830/830 F 41,250.00 ZZ
180 41,128.13 1
205 HIGHWAY 34 7.750 388.28 80
7.500 388.28 52,000.00
MIDDLETOWN IA 52638 5 12/12/97 00
533418 05 02/01/98 0
533418 O 01/01/13
0
1670548 907/G02 F 115,000.00 ZZ
180 114,648.86 1
610 JONES ROAD 7.375 1,057.91 71
7.125 1,057.91 163,000.00
ENGLEWOOD NJ 07631 1 12/15/97 00
0430540369 05 02/01/98 0
10001948 O 01/01/13
0
1670606 225/225 F 98,000.00 ZZ
180 95,752.24 2
900-902 PARKVIEW CIRCLE 8.375 957.88 80
8.125 957.88 123,014.00
HEWITT TX 76643 1 12/09/97 00
97051 05 02/01/98 0
97051 N 01/01/13
0
1670635 E22/G02 F 108,000.00 ZZ
180 107,400.85 2
1816 & 1818 CANTON STREET 8.500 1,063.52 80
8.250 1,063.52 135,000.00
1
ORLANDO FL 32803 1 12/05/97 00
0410637367 05 01/01/98 0
410637367 N 12/01/12
0
1670642 E22/G02 F 45,500.00 ZZ
180 45,244.75 1
1612 WHEELER STREET 8.375 444.73 70
8.125 444.73 65,000.00
HOUSTON TX 77004 1 12/08/97 00
0410524748 05 01/01/98 0
410524748 N 12/01/12
0
1670661 F34/G02 F 103,500.00 ZZ
180 103,197.57 1
1870 W 63 STREET 7.875 981.65 72
7.625 981.65 144,000.00
HIALEAH FL 33012 2 12/04/97 00
0430559898 05 02/01/98 0
9701114 O 01/01/13
0
1670667 E26/G02 F 48,000.00 ZZ
180 47,739.57 1
4663 PEACEFUL LANE 8.750 479.74 67
8.500 479.74 72,500.00
TRINITY NC 27370 5 10/30/97 00
0430565788 05 01/01/98 0
33700110 O 12/01/12
0
1670675 267/267 F 60,000.00 ZZ
180 59,262.33 1
191 GREENWOOD CIRCLE 7.250 547.72 24
7.000 547.72 255,000.00
WALNUT CREEK CA 94596 2 12/04/97 00
4333502 05 02/01/98 0
4333502 O 01/01/13
0
1670684 267/267 F 154,500.00 ZZ
180 154,023.06 1
4021 GREENACRE ROAD 7.250 1,410.38 72
7.000 1,410.38 215,000.00
CASTRO VALLEY CA 94546 2 12/01/97 00
4334697 05 02/01/98 0
4334697 O 01/01/13
0
1
1670706 267/267 F 106,000.00 ZZ
180 105,661.92 1
4797 MIRA LOMA STREET 6.875 945.37 45
6.625 945.37 240,000.00
CASTRO VALLEY CA 94546 2 12/03/97 00
4322187 05 02/01/98 0
4322187 O 01/01/13
0
1670798 874/G02 F 335,000.00 ZZ
180 335,000.00 1
4840 NESSER LANE 7.875 3,177.31 75
7.625 3,177.31 450,000.00
RENO NV 89509 5 01/05/98 00
0430584367 05 03/01/98 0
3723095 O 02/01/13
0
1670848 A80/G02 F 101,000.00 T
180 101,000.00 1
540 BRICKELL KEY DRIVE 8.500 994.59 75
UNIT 1417 8.250 994.59 135,000.00
COCONUT GROVE FL 33134 1 01/07/98 00
0430586057 06 03/01/98 0
9751048 O 02/01/13
0
1670872 B35/G02 F 50,000.00 ZZ
180 49,719.50 1
213 NEBINGER STREET 8.375 488.72 46
8.125 488.72 109,000.00
LEWISBERRY PA 17339 5 11/26/97 00
0430541763 05 01/01/98 0
9782011044 N 12/01/12
0
1670893 776/G02 F 297,000.00 ZZ
180 295,277.70 1
242 UNION ROAD 8.000 2,838.29 84
7.750 2,838.29 356,000.00
HOLLISTER CA 95023 2 11/03/97 12
0430539379 05 01/01/98 12
3700325 O 12/01/12
0
1670926 136/G02 F 189,000.00 ZZ
180 187,854.81 2
1
245 TERRACE AVENUE 7.500 1,752.06 75
7.250 1,752.06 252,000.00
JERSEY CITY NJ 07307 1 11/21/97 00
0430545921 05 01/01/98 0
4510350 O 12/01/12
0
1670999 E22/G02 F 209,000.00 ZZ
180 208,354.83 1
5025 BERRYMAN AVE(CULVER CITY 7.250 1,907.88 85
AREA) 7.000 1,907.88 246,500.00
LOS ANGELES CA 90230 5 12/05/97 23
0410577951 05 02/01/98 0
410577951 O 01/01/13
0
1671011 E22/G02 F 38,800.00 ZZ
180 38,690.34 1
5403 NEWCASTLE AVENUE 8.250 376.41 80
(ENCINO AREA) 8.000 376.41 48,500.00
LOS ANGELES CA 91316 1 12/09/97 04
0410642847 01 02/01/98 12
410642847 N 01/01/13
0
1671027 229/G02 F 45,100.00 ZZ
180 45,100.00 1
3103 TUCCI LANE 8.125 434.26 66
7.875 434.26 69,300.00
PUEBLO CO 81005 1 01/13/98 00
0430615401 05 03/01/98 0
7710130 O 02/01/13
0
1671052 F34/G02 F 52,500.00 ZZ
180 52,205.49 1
2851 NW 9 STREET 8.375 513.15 70
8.125 513.15 75,000.00
FORT LAUDERDALE FL 33311 5 11/20/97 00
0430572925 05 01/01/98 0
9700930 N 12/01/12
0
1671069 180/G02 F 91,800.00 ZZ
180 91,800.00 1
113 LAKE CHATEAU DRIVE 8.125 883.93 80
7.875 883.93 114,800.00
HERMITAGE TN 37076 1 01/06/98 00
0430586651 01 03/01/98 0
1
12183976 O 02/01/13
0
1671347 E22/G02 F 43,200.00 ZZ
180 43,077.90 1
1445 LAWSON 8.250 419.10 90
8.000 419.10 48,000.00
HOUSTON TX 77023 1 12/10/97 04
0410623946 05 02/01/98 25
410623946 N 01/01/13
0
1671576 686/686 F 264,000.00 ZZ
180 262,452.12 1
1194 N OCEAN BLVD #17 7.875 2,503.91 80
7.625 2,503.91 330,000.00
HILLSBORO BCH FL 33062 1 11/21/97 00
818600967 03 01/01/98 0
818600967 O 12/01/12
0
1671578 225/225 F 69,500.00 ZZ
180 69,500.00 1
17547 GREENBAY 8.500 684.40 66
8.250 684.40 106,000.00
LANSING IL 60438 5 12/31/97 00
8083625 05 03/01/98 0
8083625 O 02/01/13
0
1671595 377/377 F 39,200.00 ZZ
180 39,094.04 2
3200 BELMONT SW 8.750 391.79 70
8.500 391.79 56,000.00
CANTON OH 44710 5 12/18/97 00
3767472 05 02/01/98 0
3767472 N 01/01/13
0
1671668 664/G02 F 105,600.00 ZZ
180 105,600.00 2
2009-2011 GLEN RIDGE DRIVE 7.875 1,001.57 80
7.625 1,001.57 132,000.00
CERES CA 95307 1 01/08/98 00
0430592451 03 03/01/98 0
2340669 N 02/01/13
0
1
1671777 E22/G02 F 60,000.00 ZZ
180 59,822.73 1
2518 143RD PLACE SOUTHEAST 7.750 564.77 28
7.500 564.77 220,000.00
MILL CREEK WA 98012 2 12/11/97 00
0410631840 03 02/01/98 0
410631840 O 01/01/13
0
1671779 K08/G02 F 80,600.00 T
180 80,356.58 1
2695 SOUTH KIHEI ROAD 7.500 747.17 75
UNIT # 4313 7.250 747.17 107,500.00
KIHEI HI 96753 1 12/11/97 00
0410650014 01 02/01/98 0
410650014 O 01/01/13
0
1671802 E22/G02 F 63,200.00 ZZ
180 62,963.68 1
58287 SUE 8.000 603.97 80
7.750 603.97 79,000.00
SLIDELL LA 70460 1 12/19/97 00
0410625008 05 02/01/98 0
410625008 O 01/01/13
0
1671806 E73/G02 F 112,000.00 ZZ
180 111,654.26 2
437 MARSHALL STREET 7.250 1,022.41 73
7.000 1,022.41 154,000.00
PATERSON NJ 07503 2 12/09/97 00
0430542449 05 02/01/98 0
2100014713 O 01/01/13
0
1671815 664/G02 F 116,800.00 ZZ
180 116,458.71 1
20420 ALDER COURT 7.875 1,107.79 84
7.625 1,107.79 140,000.00
GRESHAM OR 97030 5 12/11/97 01
0430562009 05 02/01/98 12
2351302 O 01/01/13
0
1671864 H05/H05 F 119,850.00 ZZ
180 119,499.80 1
15122 SW 71 STREET 7.875 1,136.72 85
7.625 1,136.72 141,000.00
1
MIAMI FL 33193 5 12/22/97 10
7120090 05 02/01/98 12
7120090 O 01/01/13
0
1671932 H05/H05 F 68,000.00 ZZ
180 67,811.88 1
PO BOX 25 8.490 669.22 78
8.240 669.22 88,000.00
CHANDLER OK 74834 5 12/10/97 00
97004561 05 02/01/98 0
97004561 O 01/01/13
0
1671944 076/076 F 295,000.00 ZZ
180 293,173.18 1
8501 NORTH OREGON 7.250 2,692.95 66
7.000 2,692.95 450,000.00
KANSAS CITY MO 64154 1 11/21/97 00
9092942 03 01/01/98 0
9092942 O 12/01/12
0
1672012 687/G02 F 36,900.00 ZZ
180 36,900.00 1
419 WEST 29TH STREET 7.500 342.07 90
7.250 342.07 41,000.00
ASHTABULA OH 44004 1 01/09/98 04
0430580647 05 03/01/98 25
1642863 N 02/01/13
0
1672087 E22/G02 F 39,600.00 ZZ
180 39,492.97 2
3122 W 17TH PLACE 8.750 395.78 90
8.500 395.78 44,000.00
CLEVELAND OH 44109 1 12/10/97 04
0410628465 05 02/01/98 25
410628465 N 01/01/13
0
1672132 B75/G02 F 50,000.00 ZZ
180 49,857.10 1
4408 PINEAIRE 8.125 481.44 63
7.875 481.44 80,000.00
LAS VEGAS NV 89117 1 12/02/97 00
0430545798 05 02/01/98 0
7199763 N 01/01/13
0
1
1672149 313/G02 F 27,900.00 ZZ
180 27,824.59 1
1619 EAST 4TH STREET 8.750 278.85 90
8.500 278.85 31,000.00
MISHAWAKA IN 46544 1 12/15/97 12
0430564724 05 02/01/98 25
6342398 N 01/01/13
0
1672185 B75/G02 F 51,000.00 ZZ
180 50,700.98 1
2614 THORNTON ROAD 7.875 483.71 84
7.625 483.71 61,000.00
CHARLOTTE NC 28208 5 11/26/97 01
0430546382 05 01/01/98 17
7182595 O 12/01/12
0
1672219 637/G02 F 131,005.00 ZZ
180 130,261.89 2
1-1A RICHARD AVE 8.250 1,270.94 95
8.000 1,270.94 137,900.00
METHUEN MA 01844 1 12/05/97 04
0430545293 05 01/01/98 35
8341232 O 12/01/12
0
1672278 A83/G02 F 252,000.00 ZZ
180 250,473.10 1
122 VIKI COURT 7.500 2,336.07 79
7.250 2,336.07 320,000.00
SCOTTS VALLEY CA 95066 2 11/17/97 00
0430559658 05 01/01/98 0
3001564 O 12/01/12
0
1672294 E22/G02 F 89,200.00 ZZ
180 88,953.44 2
2132 HELEN AVENUE 8.500 878.39 80
8.250 878.39 111,500.00
SOUTH LAKE TAHO CA 96150 1 12/10/97 00
0410649966 05 02/01/98 0
410649966 N 01/01/13
0
1672305 E22/G02 F 224,000.00 ZZ
180 223,366.89 1
1
682 CAMINO VERDE 8.250 2,173.11 80
8.000 2,173.11 280,000.00
THOUSAND OAKS CA 91360 5 12/18/97 00
0410643407 05 02/01/98 0
410643407 O 01/01/13
0
1672353 E22/G02 F 57,750.00 ZZ
180 57,592.15 1
5604 GARFIELD STREET 8.625 572.93 75
8.375 572.93 77,000.00
HOLLYWOOD FL 33021 5 12/18/97 00
0410575070 05 02/01/98 0
410575070 O 01/01/13
0
1672364 E22/G02 F 26,150.00 ZZ
180 26,080.11 1
11550 CHIMNEY ROCK ROAD 8.875 263.29 90
UNIT # 333 8.625 263.29 29,100.00
HOUSTON TX 77035 1 12/11/97 04
0410611859 01 02/01/98 25
410611859 N 01/01/13
0
1672368 E22/G02 F 110,600.00 T
180 110,290.86 1
4666 PRAIRIE POINT BOULEVARD 8.375 1,081.04 80
8.125 1,081.04 138,285.00
KISSIMMEE FL 34746 1 12/11/97 95
0410623375 05 02/01/98 0
410623375 O 01/01/13
0
1672369 E22/G02 F 89,600.00 ZZ
180 89,349.56 1
3509 CHADWICK COURT 8.375 875.77 80
8.125 875.77 112,000.00
TEMPLE HILLS MD 20748 5 12/09/97 00
0410578108 05 02/01/98 0
410578108 O 01/01/13
0
1672380 E22/G02 F 45,000.00 ZZ
180 44,771.80 2
2125 SIXTH STREET 9.500 469.90 90
9.250 469.90 50,000.00
MINNEAPOLIS MN 55411 1 11/29/97 12
0410620892 05 01/01/98 25
1
410620892 N 12/01/12
0
1672389 E22/G02 F 34,200.00 ZZ
180 34,111.64 3
48 & 48 1/2 SOUTH STREET 9.250 351.98 90
9.000 351.98 38,000.00
WASHINGTON PA 15301 1 12/19/97 04
0410633960 05 02/01/98 25
410633960 N 01/01/13
0
1672390 E22/G02 F 33,000.00 ZZ
180 32,908.79 1
3501 OAKRIDGE DRIVE 8.500 324.96 37
8.250 324.96 91,000.00
ODESSA TX 79762 5 12/15/97 00
0410646087 05 02/01/98 0
410646087 N 01/01/13
0
1672578 A14/G02 F 25,200.00 ZZ
180 25,130.34 1
1623 HARVARD 8.500 248.16 90
8.250 248.16 28,000.00
INDEPENDENCE MO 64052 1 12/11/97 04
0430558213 05 02/01/98 20
106953 N 01/01/13
0
1672584 K13/G02 F 112,000.00 ZZ
180 111,672.73 1
17621 SALAIS STREET 7.875 1,062.27 80
7.625 1,062.27 140,000.00
LA PUENTE CA 91744 2 12/22/97 00
0430568386 05 02/01/98 0
9711001 O 01/01/13
0
1672590 E45/G02 F 135,000.00 ZZ
180 133,281.35 1
830 CRAWFORD ST 7.000 1,213.42 72
6.750 1,213.42 190,000.00
MADISON GA 30650 5 09/12/97 00
0430571232 05 11/01/97 0
33488 O 10/01/12
0
1
1672641 B75/G02 F 50,000.00 ZZ
180 49,857.10 1
4402 PINEAIRE STREET 8.125 481.44 63
7.875 481.44 80,000.00
LAS VEGAS NV 89117 1 12/02/97 00
0430544601 05 02/01/98 0
7199771 N 01/01/13
0
1672671 F34/G02 F 104,400.00 T
180 104,084.70 1
15834 NW 16 STREET 7.500 967.80 60
7.250 967.80 174,083.00
PEMBROKE PINES FL 33028 1 12/12/97 00
0430560623 03 02/01/98 0
9700406 O 01/01/13
0
1672686 267/267 F 224,000.00 ZZ
180 223,316.04 1
1668 ABBOTSBURY STREET 7.375 2,060.63 49
7.125 2,060.63 460,000.00
THOUSAND OAKS CA 91361 1 12/12/97 00
4331005 03 02/01/98 0
4331005 O 01/01/13
0
1672709 757/757 F 90,000.00 ZZ
180 89,737.02 1
50 NORTH HILL STREET 7.875 853.61 45
7.625 853.61 200,000.00
CARROLLTON GA 30177 5 12/23/97 00
3219797 05 02/01/98 0
3219797 O 01/01/13
0
1672721 225/225 F 52,700.00 ZZ
180 52,401.06 1
717 W BILLINGTON DRIVE 8.250 511.27 85
8.000 511.27 62,000.00
WACO TX 76706 1 11/25/97 04
807091000 05 01/01/98 12
807091000 N 12/01/12
0
1672725 209/G02 F 33,750.00 ZZ
180 33,653.54 1
815 S ROBINSON STREET 8.125 324.98 90
7.875 324.98 37,500.00
1
BALTIMORE MD 21224 1 12/23/97 04
0430563577 07 02/01/98 25
971769918 N 01/01/13
0
1672737 003/G02 F 13,500.00 ZZ
180 13,463.91 1
4210 NW 21ST ST #109 8.875 135.93 90
8.625 135.93 15,000.00
LAUDERHILL FL 33313 1 12/23/97 10
0430565846 01 02/01/98 20
0010412427 N 01/01/13
0
1672872 608/G02 F 75,200.00 T
180 74,977.83 1
651 WILLIAM STREET, UNIT #1 7.750 707.84 53
7.500 707.84 144,000.00
KEY WEST FL 33040 2 12/08/97 00
0430566398 09 02/01/98 0
100355 O 01/01/13
0
1672903 E57/G02 F 53,500.00 ZZ
180 53,355.39 1
2613 EAST ASHCROFT AVENUE 8.750 534.71 90
8.500 534.71 60,000.00
FRESNO CA 93726 2 12/03/97 11
0430559864 05 02/01/98 20
63902006334 N 01/01/13
0
1672952 B75/G02 F 100,000.00 ZZ
180 99,457.47 4
4825 SAN GORDIANO AVENUE 8.750 999.45 23
8.500 999.45 450,000.00
SANTA BARBARA CA 93111 5 11/22/97 00
0430567578 05 01/01/98 0
7182975 N 12/01/12
0
1672966 267/267 F 275,000.00 ZZ
180 273,832.81 1
3740 HAMPTON RD 7.125 2,491.04 80
6.875 2,491.04 345,000.00
PASADENA CA 91107 2 12/04/97 00
4322755 05 02/01/98 0
4322755 O 01/01/13
0
1
1672971 267/267 F 180,000.00 ZZ
180 179,444.34 1
26062 RAVENNA RD 7.250 1,643.16 79
7.000 1,643.16 230,000.00
MISSION VIEJO CA 92692 2 12/09/97 00
4333007 03 02/01/98 0
4333007 O 01/01/13
0
1672975 700/G02 F 47,250.00 ZZ
180 47,114.96 1
1080 S NEW FLORISSANT ROAD 8.125 454.96 70
7.875 454.96 67,500.00
FLORISSANT MO 63031 5 12/26/97 00
0430567875 05 02/01/98 0
125062 N 01/01/13
0
1672977 E45/G02 F 132,500.00 ZZ
180 131,318.02 4
3011-3017 SPRUCE CIRCLE 7.750 1,247.19 68
7.500 1,247.19 195,000.00
SNELLVILLE GA 30079 2 11/06/97 00
0430569103 05 12/01/97 0
34852 N 11/01/12
0
1673031 E22/G02 F 38,700.00 ZZ
180 38,597.73 1
1001 KETTERING 9.000 392.52 90
8.750 392.52 43,000.00
PONTIAC MI 48340 1 12/11/97 10
0410637060 05 02/01/98 25
410637060 N 01/01/13
0
1673036 E22/G02 F 68,000.00 ZZ
180 67,784.93 1
2804 LYLA AVENUE 8.375 664.65 70
8.125 664.65 97,250.00
CONCORD NC 28027 5 12/13/97 00
0410472708 05 02/01/98 0
410472708 O 01/01/13
0
1673037 E22/G02 F 34,000.00 ZZ
180 33,903.90 1
1
ROUTE 2 BOX 184 8.250 329.85 37
8.000 329.85 92,000.00
SOLSBERRY IN 47459 5 12/10/97 00
0410641161 05 02/01/98 0
410641161 O 01/01/13
0
1673050 830/830 F 51,000.00 ZZ
180 50,847.65 1
108 ELEANOR STREET 7.625 476.41 85
7.375 476.41 60,000.00
MINGO JUNCTION OH 43938 5 12/20/97 10
533707 05 02/01/98 17
533707 O 01/01/13
0
1673058 830/830 F 164,500.00 ZZ
180 163,596.67 1
3516 SOUTH 2300 EAST 8.000 1,572.05 70
7.750 1,572.05 235,000.00
SALT LAKE CITY UT 84109 5 12/18/97 00
533953 05 02/01/98 0
533953 N 01/01/13
0
1673237 A38/G02 F 44,000.00 ZZ
180 44,000.00 1
1915 AUGUSTA DRIVE 8.500 433.29 74
UNIT NUMBER 1 8.250 433.29 60,000.00
HOUSTON TX 77057 2 01/08/98 00
0430577213 01 03/01/98 0
9610716 N 02/01/13
0
1673312 638/G02 F 300,000.00 ZZ
180 300,000.00 1
2767 N.W. PACIFIC PLACE 7.625 2,802.39 56
7.375 2,802.39 538,000.00
NEWPORT OR 97365 2 01/13/98 00
0430589713 05 03/01/98 0
08690856 O 02/01/13
0
1673320 830/830 F 181,500.00 ZZ
180 180,975.49 1
1376 PARROTT DRIVE 8.000 1,734.51 39
7.750 1,734.51 470,000.00
SAN MATEO CA 94402 2 12/26/97 00
533037 05 02/01/98 0
1
533037 N 01/01/13
0
1673391 H48/G02 F 180,000.00 ZZ
180 180,000.00 1
6806 BLUE MESA 7.375 1,655.86 59
7.125 1,655.86 310,000.00
DALLAS TX 75252 2 01/12/98 00
0430588673 05 03/01/98 0
635 O 02/01/13
0
1673487 E22/G02 F 265,000.00 ZZ
180 264,242.63 1
7 GOULD STREET 8.125 2,551.64 64
7.875 2,551.64 415,000.00
EAST HAMPTON NY 11937 1 12/10/97 00
0410609044 05 02/01/98 0
410609044 O 01/01/13
0
1673501 E23/G02 F 85,600.00 ZZ
180 85,341.48 1
37521 CRUCES DRIVE 7.500 793.52 48
7.250 793.52 180,000.00
WARNER SPRINGS CA 92086 2 12/08/97 00
0430565630 05 02/01/98 0
10501676 O 01/01/13
0
1673532 H93/G02 F 90,200.00 ZZ
180 90,200.00 1
15906-8 W 123RD STREET 8.500 888.24 90
8.250 888.24 100,250.00
OLATHE KS 66062 1 01/19/98 10
0430615880 05 03/01/98 25
9752644 N 02/01/13
0
1673595 E86/G02 F 90,000.00 ZZ
180 89,756.75 2
3192 RAWLINGS AVENUE 8.750 899.50 65
8.500 899.50 140,000.00
BRONX NY 10461 1 12/18/97 00
0430575340 05 02/01/98 0
21235 O 01/01/13
0
1
1673611 E45/G02 F 58,100.00 ZZ
180 57,937.61 1
13510 ROCKINGHAM ROAD 8.375 567.88 70
ROAD 8.125 567.88 83,000.00
SAVANNAH GA 31419 5 12/22/97 00
0430563213 05 02/01/98 0
35548 N 01/01/13
0
1673619 G56/G02 F 57,600.00 ZZ
180 57,600.00 1
5767 HAGGARD DRIVE 7.875 546.31 90
7.625 546.31 64,000.00
MABLETON GA 30126 1 01/14/98 12
0430574905 05 03/01/98 25
160135418 N 02/01/13
0
1673648 E84/G02 F 71,600.00 ZZ
180 71,395.37 1
306 BEECHWOOD DRIVE 8.125 689.42 70
7.875 689.42 103,000.00
NOBLESVILLE IN 46060 2 12/16/97 00
0430565077 05 02/01/98 0
PS9700234 O 01/01/13
0
1673727 E13/G02 F 73,800.00 ZZ
180 73,579.55 1
10707 LORA LANE 7.625 689.39 60
7.375 689.39 123,000.00
COLLEGEDALE TN 37315 1 12/10/97 00
0430558619 05 02/01/98 0
240427 O 01/01/13
0
1673763 E22/G02 F 175,500.00 ZZ
180 173,944.27 1
2557 JAMESWOOD COURT 8.375 1,715.38 65
8.125 1,715.38 270,000.00
HOLLAND MI 49424 5 11/24/97 00
0410587562 05 01/01/98 0
410587562 O 12/01/12
0
1673777 E22/G02 F 16,500.00 ZZ
180 16,460.19 1
1330 BALLYWOOD ROAD 10.000 177.31 55
9.750 177.31 30,000.00
1
IRVING TX 75060 5 12/15/97 00
0410645485 05 02/01/98 0
410645485 N 01/01/13
0
1673780 E22/G02 F 95,000.00 ZZ
180 94,731.50 1
1004 HICKORY COURT 8.250 921.63 39
8.000 921.63 246,000.00
BLUESPRINGS MO 64015 2 12/15/97 00
0410613939 05 02/01/98 0
410613939 O 01/01/13
0
1673845 131/G02 F 67,000.00 ZZ
180 66,808.52 1
142 NORTH SHORE DR 8.125 645.13 75
7.875 645.13 90,000.00
STARBUCK MN 56381 5 12/15/97 00
0430570424 05 02/01/98 0
1116231 O 01/01/13
0
1673846 638/G02 F 44,910.00 ZZ
180 44,788.62 2
5328-5332 CHESTNUT STREET 8.750 448.85 90
8.500 448.85 49,900.00
ASHTABULA OH 44004 1 12/23/97 10
0430561647 05 02/01/98 25
8680875 N 01/01/13
0
1673849 638/G02 F 50,000.00 ZZ
180 49,848.99 1
6350 KATELLA AVENUE 7.500 463.51 41
7.250 463.51 122,000.00
LAS VEGAS NV 89118 5 12/05/97 00
0430562595 05 02/01/98 0
8674814 O 01/01/13
0
1673877 638/G02 F 120,000.00 ZZ
180 119,645.47 1
525 ROUGHT AND READY ROAD 7.750 1,129.53 53
7.500 1,129.53 230,000.00
SAN JOSE CA 95133 2 12/01/97 00
0430562629 05 02/01/98 0
8685876 O 01/01/13
0
1
1673979 601/G02 F 33,750.00 T
180 31,891.17 1
UNIT 108 EL CORTEZ CONDO 8.000 322.54 96
STATE HIGHWAY 361 7.750 322.54 35,500.00
PORT ARANSAS TX 78373 1 07/24/96 21
0430569418 01 09/01/96 30
894001 O 08/01/11
0
1674083 K08/G02 F 19,800.00 ZZ
180 19,752.77 1
630 SOUTH 11TH STREET 10.125 214.29 90
9.875 214.29 22,000.00
RICHMOND IN 47374 1 12/11/97 04
0410639405 05 02/01/98 25
410639405 N 01/01/13
0
1674099 E22/G02 F 43,000.00 ZZ
180 42,879.81 1
530 S. PLATT 8.375 420.29 50
8.125 420.29 86,000.00
OTSEGO MI 49018 5 12/16/97 00
0410602791 05 02/01/98 0
410602791 O 01/01/13
0
1674135 498/G02 F 42,000.00 ZZ
180 41,887.74 1
534 MONROE AVENUE 8.875 422.88 66
8.625 422.88 64,000.00
ASHBURN GA 31714 5 12/30/97 00
0430584466 05 02/01/98 0
1503040 N 01/01/13
0
1674285 E26/G02 F 30,100.00 ZZ
180 30,013.97 1
104 PARKVIEW PLACE 8.125 289.83 70
7.875 289.83 43,000.00
HAMPTON VA 23664 5 12/12/97 00
0430565200 05 02/01/98 0
43700874 N 01/01/13
0
1674300 B75/G02 F 66,300.00 ZZ
180 66,118.78 1
1
804 DEKALB STREET 8.625 657.75 61
8.375 657.75 110,000.00
NORRISTOWN PA 19401 2 12/16/97 00
0430570689 05 02/01/98 0
7196983 N 01/01/13
0
1674307 561/561 F 64,000.00 ZZ
180 63,821.11 1
2018 WILDLIFE DRIVE 8.375 625.56 80
8.125 625.56 80,000.00
BALTIMORE MD 21244 2 12/17/97 00
0009171737 03 02/01/98 0
0009171737 N 01/01/13
0
1674492 E22/G02 F 142,400.00 ZZ
180 142,400.00 1
964 ARROWHEAD DRIVE 8.000 1,360.85 80
7.750 1,360.85 178,000.00
GARDNERVILLE NV 89410 5 12/30/97 00
0410594683 05 03/01/98 0
410594683 O 02/01/13
0
1674582 E26/G02 F 53,100.00 ZZ
180 52,944.84 1
3-F BRIAR COURT 7.875 503.63 90
7.625 503.63 59,000.00
OCEAN VIEW DE 19970 2 12/30/97 11
0430568055 01 02/01/98 20
40700784 N 01/01/13
0
1674662 131/G02 F 39,600.00 ZZ
180 39,492.96 2
2936 & 2938 5TH AVENUE 8.750 395.79 90
8.500 395.79 44,000.00
ROCK ISLAND IL 61201 1 12/22/97 10
0430572545 05 02/01/98 20
1111259 N 01/01/13
0
1674764 267/267 F 150,000.00 ZZ
180 149,536.95 1
34221 PEACEFUL VALLEY RD 7.250 1,369.30 66
7.000 1,369.30 230,000.00
ACTON CA 93510 5 12/11/97 00
4333269 05 02/01/98 0
1
4333269 O 01/01/13
0
1674779 E82/G02 F 35,000.00 ZZ
180 34,905.21 1
1002 FRANKLIN STREET 8.750 349.81 68
8.500 349.81 52,000.00
ROCHESTER IN 46975 5 12/19/97 00
0400079547 05 02/01/98 0
0400079547 N 01/01/13
0
1674780 E82/G02 F 29,000.00 ZZ
180 28,921.46 2
1100 FRANKLIN STREET 8.750 289.84 60
8.500 289.84 48,750.00
ROCHESTER IN 46975 5 12/19/97 00
0400079513 05 02/01/98 0
0400079513 N 01/01/13
0
1674786 E82/G02 F 57,750.00 ZZ
180 57,597.39 2
1701 2OTH STREET 9.000 585.74 75
8.750 585.74 77,000.00
PARKERSBURG WV 26101 5 12/22/97 00
0400078143 05 02/01/98 0
0400078143 N 01/01/13
0
1674921 686/686 F 75,200.00 ZZ
180 74,969.88 1
69175 BARISTO ROAD 7.350 690.72 80
7.100 690.72 94,000.00
CATHEDRAL CITY CA 92234 1 12/10/97 00
818621195 05 02/01/98 0
818621195 O 01/01/13
0
1675115 003/G02 F 43,900.00 ZZ
180 43,900.00 1
3481 LAKESIDE DRIVE #1104 8.750 438.76 43
8.500 438.76 104,350.00
ATLANTA GA 30326 1 01/07/98 00
0430573980 06 03/01/98 0
0010416543 N 02/01/13
0
1
1675287 E22/G02 F 68,000.00 ZZ
180 67,803.49 1
2724 WOODRING DRIVE 8.000 649.84 80
7.750 649.84 85,000.00
CLEARWATER FL 34619 2 12/16/97 00
0410655104 05 02/01/98 0
410655104 O 01/01/13
0
1675292 K08/G02 F 67,100.00 ZZ
180 66,914.53 1
45 NORTHEAST 193 TERRACE 8.500 660.76 75
8.250 660.76 89,500.00
MIAMI FL 33179 5 12/17/97 00
0410631881 05 02/01/98 0
410631881 O 01/01/13
0
1675309 E22/G02 F 45,600.00 T
180 45,468.22 1
3036 1/2 NW 69 COURT UNIT #4-G 8.000 435.78 80
7.750 435.78 57,000.00
FT LAUDERDALE FL 33309 1 12/12/97 95
0410652655 01 02/01/98 0
410652655 O 01/01/13
0
1675341 E22/G02 F 350,000.00 ZZ
180 349,010.76 4
1007 - 1009 1/2 16TH STREET 8.250 3,395.49 73
8.000 3,395.49 485,000.00
SANTA MONICA CA 90403 5 12/19/97 00
0410578413 05 02/01/98 0
410578413 O 01/01/13
0
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HONOLULU HI 96825 5 12/11/97 00
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410623656 N 01/01/13
0
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1
WHITTIER CA 90606 2 12/23/97 00
0430571059 05 02/01/98 0
2436442 O 01/01/13
0
1675411 664/G02 F 95,000.00 ZZ
180 94,734.46 4
2110 NORTH OBARR PL #A,B,C,D 8.375 928.56 37
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SANTA ANA CA 92701 5 12/19/97 00
0430577478 05 02/01/98 0
2409068 N 01/01/13
0
1675557 E22/G02 F 68,000.00 ZZ
180 67,794.63 1
135 GORDON TERRACE 7.500 630.37 80
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NASHVILLE TN 37207 5 12/23/97 00
0410661227 05 02/01/98 0
410661227 O 01/01/13
0
1675575 E22/G02 F 214,400.00 ZZ
180 213,820.51 1
13215 HUGHES CIRCLE 8.750 2,142.82 80
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DALLAS TX 75240 1 12/15/97 00
0410650204 05 02/01/98 0
410650204 N 01/01/13
0
1675594 K08/G02 F 76,000.00 ZZ
180 75,770.47 1
6412 RAINIER ROAD 7.500 704.53 80
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PLANO TX 75023 1 12/19/97 00
0410659924 05 02/01/98 0
410659924 O 01/01/13
0
1675618 253/253 F 70,400.00 ZZ
180 70,194.29 1
301 TANGLEWOOD 7.875 667.71 80
7.625 667.71 88,000.00
DENTON TX 76201 2 12/29/97 00
902978 05 02/01/98 0
902978 N 01/01/13
0
1
1675662 731/G02 F 196,000.00 ZZ
180 195,427.29 1
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MARIETTA GA 30067 5 12/18/97 00
0430578062 05 02/01/98 0
3140665870 N 01/01/13
0
1675665 731/G02 F 55,000.00 ZZ
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1601 SARDONYX ROAD 7.625 513.77 13
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LIVERMORE CA 94550 5 12/15/97 00
0430567297 05 02/01/98 0
114055484 O 01/01/13
0
1675682 E45/G02 F 85,000.00 ZZ
180 84,241.75 1
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SMYRNA GA 30080 2 10/29/97 00
0430578419 05 12/01/97 0
35203 O 11/01/12
0
1676443 687/G02 F 42,300.00 ZZ
180 42,300.00 2
112 SUNSET DRIVE 8.500 416.54 90
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CHARLESTON WV 25301 1 01/26/98 01
0430592162 05 03/01/98 25
1645668 O 02/01/13
0
1676456 568/G02 F 137,500.00 ZZ
180 137,093.77 1
25602 ST. MICHEL LANE 7.750 1,294.25 80
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MURRIETA CA 92563 1 12/24/97 00
0430569327 03 02/01/98 0
809653 O 01/01/13
0
1676551 638/G02 F 124,000.00 ZZ
180 123,645.61 2
1
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WHITMAN MA 02382 1 12/16/97 00
0430568022 05 02/01/98 0
8686170 O 01/01/13
0
1676573 K08/G02 F 105,550.00 ZZ
180 105,238.16 1
103 DENNIS DRIVE 7.750 993.52 80
7.500 993.52 131,950.00
CEDAR HILL TX 75104 1 12/31/97 00
0410645261 05 02/01/98 0
410645261 O 01/01/13
0
1676575 K08/G02 F 103,900.00 T
180 103,609.59 1
7727 INDIAN RIDGE TRAIL N 8.375 1,015.55 80
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KISSIMMEE FL 34747 1 12/22/97 00
0410643878 03 02/01/98 0
410643878 O 01/01/13
0
1676626 E22/G02 F 100,000.00 ZZ
180 99,394.34 1
18 HOPE STREET 7.750 941.28 80
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EAST RUTHERFORD NJ 07073 1 12/19/97 00
0410633085 05 02/01/98 0
410633085 O 01/01/13
0
1676669 G10/G02 F 186,300.00 ZZ
180 185,277.90 1
5216 OLD SHEPARD PLACE 8.625 1,848.25 90
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PLANO TX 75093 1 11/25/97 04
0430569541 05 01/01/98 25
SCHECHTER N 12/01/12
0
1676674 561/561 F 67,000.00 ZZ
180 66,810.63 1
314 OAKLETTE DRIVE 8.250 650.00 85
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CHESAPEAKE VA 23325 1 12/15/97 14
9174764 05 02/01/98 25
1
9174764 O 01/01/13
0
1679112 003/G02 F 73,250.00 ZZ
180 73,250.00 1
217 FARMVILLE COURT 8.250 710.63 80
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LAWRENCEVILLE GA 30044 1 01/09/98 00
0430588145 03 03/01/98 0
0010422400 N 02/01/13
0
1679114 074/G02 F 200,000.00 ZZ
180 199,434.71 1
97 EL CAMINO CT 8.250 1,940.29 50
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HOLMDEL NJ 07733 1 12/29/97 00
0430592659 05 02/01/98 0
1106086546 O 01/01/13
0
1679115 074/G02 F 88,000.00 ZZ
180 87,751.27 1
70 EAST BOYDS ROAD 8.250 853.73 78
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CARMEL NY 10512 1 12/31/97 00
0430592667 05 02/01/98 0
1106102074 O 01/01/13
0
1679116 074/G02 F 156,000.00 ZZ
180 155,554.15 1
54 BAND CAMP ROAD 8.125 1,502.10 80
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SAUGERTIES NY 12477 1 12/05/97 00
0430592675 05 02/01/98 0
1107030401 O 01/01/13
0
1679118 074/G02 F 71,500.00 ZZ
180 71,276.86 1
2284 ADRIAN 7.125 647.67 83
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DAYTON OH 45459 2 12/22/97 14
0430592683 05 02/01/98 12
1113701192 N 01/01/13
0
1
1679121 074/G02 F 30,000.00 ZZ
180 29,909.40 1
3432 LIVINGSTON ST 7.500 278.10 75
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PHILADELPHIA PA 19134 1 12/30/97 00
0430592691 05 02/01/98 0
1175050810 O 01/01/13
0
1679123 074/G02 F 82,850.00 ZZ
180 82,605.22 1
1354 E GARNET CIR 7.750 779.85 70
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MESA AZ 85204 2 12/29/97 00
0430592709 05 02/01/98 0
1204009841 O 01/01/13
0
1679127 074/G02 F 100,000.00 ZZ
180 99,639.18 1
12166 53RD RD N 8.125 962.88 69
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ROYAL PALM BEAC FL 33411 5 12/18/97 00
0430592725 05 02/01/98 0
1303019604 O 01/01/13
0
1679128 074/G02 F 70,000.00 ZZ
180 69,779.15 1
3002 NW 50TH TERR 7.000 629.18 73
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GAINESVILLE FL 32606 1 12/30/97 00
0430592733 05 02/01/98 0
1322027111 O 01/01/13
0
1679131 074/G02 F 37,400.00 ZZ
180 37,290.72 1
2646 11TH AVE 7.875 354.72 80
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VERO BEACH FL 32960 1 12/10/97 00
0430592758 05 02/01/98 0
1391050917 N 01/01/13
0
1679133 074/G02 F 75,000.00 T
180 74,685.65 1
145 41ST CT 8.125 722.16 73
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1
VERO BEACH FL 32968 1 12/29/97 00
0430592766 05 02/01/98 0
1391052286 O 01/01/13
0
1679135 074/G02 F 28,000.00 ZZ
180 27,920.86 1
3137 NW 65TH 8.250 271.64 70
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OKLAHOMA CITY OK 73116 5 12/17/97 00
0430592774 05 02/01/98 0
1456011839 N 01/01/13
0
1679136 074/G02 F 35,550.00 ZZ
180 35,450.63 1
9816 MARSH 8.375 347.48 90
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KANSAS CITY MO 64138 1 12/18/97 11
0430592782 05 02/01/98 25
1456013404 N 01/01/13
0
1679137 074/G02 F 475,000.00 ZZ
180 473,612.05 1
1540 N LASALLE STREET 2000 7.875 4,505.14 64
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CHICAGO IL 60610 2 12/15/97 00
0430592790 01 02/01/98 0
1456013459 O 01/01/13
0
1679139 074/G02 F 36,050.00 ZZ
180 35,946.97 1
815 W BEAVER AV 8.125 347.12 70
7.875 347.12 51,500.00
FORT MORGAN CO 80701 5 12/31/97 00
0430592808 05 02/01/98 0
1464004657 N 01/01/13
0
1679140 074/G02 F 135,000.00 ZZ
180 134,583.27 1
4104 JAROSITE COURT 7.250 1,232.36 74
7.000 1,232.36 183,990.00
ANTIOCH CA 94549 1 12/22/97 00
0430592816 05 02/01/98 0
1495004120 O 01/01/13
0
1
1679142 074/G02 F 140,000.00 ZZ
180 139,151.72 1
278 APPLEGARTH RD 7.500 1,297.82 80
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CRANBURY NJ 08512 1 12/12/97 00
0430592824 05 01/01/98 0
1500394848 N 12/01/12
0
1679143 074/G02 F 187,000.00 ZZ
180 185,915.59 2
2644 EAST 64TH STREET 8.000 1,787.07 45
7.750 1,787.07 416,000.00
BROOKLYN NY 11234 2 12/17/97 00
0430592832 05 01/01/98 0
1500395487 O 12/01/12
0
1679144 074/G02 F 73,950.00 ZZ
180 73,511.76 1
211 AUBURN AVENUE 8.375 722.81 85
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PEMBERTON NJ 08015 5 12/31/97 01
0430592840 05 01/01/98 12
1500411710 O 12/01/12
0
1679145 074/G02 F 36,800.00 T
180 36,464.47 1
270 LAKE HAMILTON DR #37 7.500 341.15 59
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HOT SPRINGS AR 71913 1 10/27/97 00
0430592857 01 12/01/97 0
1504165296 O 11/01/12
0
1679147 074/G02 F 95,000.00 ZZ
180 94,719.32 1
1018 BRECKENRIDGE DRIVE 7.750 894.22 69
7.500 894.22 137,838.00
SLIDELL LA 70461 1 12/12/97 00
0430592865 05 02/01/98 0
1504178039 O 01/01/13
0
1679151 074/G02 F 54,250.00 T
180 53,942.60 1
1
1270 SOUTH 1170 WEST 8.375 530.25 50
8.125 530.25 108,500.00
OREM UT 84058 1 11/26/97 00
0430592873 01 01/01/98 0
1513213607 O 12/01/12
0
1679152 074/G02 F 57,600.00 ZZ
180 57,235.38 1
304 BRIARWOOD STREET 8.125 554.62 80
7.875 554.62 72,000.00
ROUND ROCK TX 78681 1 12/17/97 00
0430592881 05 02/01/98 0
1520015749 N 01/01/13
0
1679154 074/G02 F 33,750.00 ZZ
180 33,649.18 1
11711 MEMORIAL DRIVE NO 77 7.625 315.27 75
7.375 315.27 45,000.00
HOUSTON TX 77024 1 12/19/97 00
0430592907 01 02/01/98 0
1521046577 N 01/01/13
0
1679156 074/G02 F 20,400.00 ZZ
180 20,337.71 1
9739 VALE DRIVE 7.375 187.66 80
7.125 187.66 25,500.00
SAN ANTONIO TX 78245 1 12/11/97 00
0430592915 05 02/01/98 0
1526013010 N 01/01/13
0
1679157 074/G02 F 29,350.00 ZZ
180 29,260.38 1
636 KASHMUIR PLACE 7.375 270.00 74
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SAN ANTONIO TX 78223 2 12/11/97 00
0430592923 05 02/01/98 0
1526013076 N 01/01/13
0
1679158 074/G02 F 70,300.00 ZZ
180 70,082.99 1
123 BALLANTRAE LANE 7.250 641.74 78
7.000 641.74 91,000.00
HOUSTON TX 77015 2 12/29/97 00
0430592931 03 02/01/98 0
1
1532014380 O 01/01/13
0
1679159 074/G02 F 38,250.00 ZZ
180 38,035.42 1
247 N NELTNOR UNIT C 8.375 373.87 90
8.125 373.87 42,500.00
WEST CHICAGO IL 60185 1 12/05/97 10
0430592949 01 01/01/98 20
1602100713 N 12/01/12
0
1679161 074/G02 F 40,500.00 ZZ
180 40,500.00 3
905 W 65TH STREET 8.750 404.78 90
8.500 404.78 45,000.00
CHICAGO IL 60621 1 01/02/98 04
0430592956 05 03/01/98 25
1621163062 N 02/01/13
0
1679162 074/G02 F 37,700.00 ZZ
180 37,591.05 1
7008 W 71ST PLACE 8.000 360.28 28
7.750 360.28 137,000.00
NOTTINGHAM PARK IL 60638 2 12/22/97 00
0430592964 05 02/01/98 0
1621163652 O 01/01/13
0
1679163 074/G02 F 74,250.00 ZZ
180 74,049.32 2
7252 AMHERST 8.750 742.09 90
8.500 742.09 82,500.00
UNIVERSITY CITY MO 63130 1 12/22/97 14
0430592972 05 02/01/98 25
1632031019 N 01/01/13
0
1679164 074/G02 F 16,200.00 ZZ
180 16,154.22 1
2639 EDWARDS 8.250 157.16 90
8.000 157.16 18,000.00
GRANITE CITY IL 62040 1 12/09/97 14
0430592980 05 02/01/98 25
1634022212 N 01/01/13
0
1
1679165 074/G02 F 33,600.00 ZZ
180 33,507.13 1
6410 W MOLTKE AVE 8.500 330.87 80
8.250 330.87 42,000.00
MILWAUKEE WI 53210 1 12/18/97 00
0430592998 05 02/01/98 0
1671087126 N 01/01/13
0
1679166 074/G02 F 75,000.00 ZZ
180 74,530.85 1
22 WINTER TRL 7.875 711.34 57
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FAIRFIELD PA 17320 2 12/30/97 00
0430593004 05 02/01/98 0
1821121543 O 01/01/13
0
1679208 K15/G02 F 248,800.00 ZZ
180 248,031.96 1
1332 MURRAY DOWNS WAY 7.250 2,271.21 80
7.000 2,271.21 312,600.00
RESTON VA 20194 1 12/19/97 00
0430587253 05 02/01/98 0
622901 O 01/01/13
0
1679237 K08/G02 F 49,700.00 ZZ
180 49,565.67 1
4017 TREELINE DRIVE 8.750 496.73 70
8.500 496.73 71,000.00
DALLAS TX 75232 2 12/18/97 00
0410647929 05 02/01/98 0
410647929 N 01/01/13
0
1679282 K08/G02 F 91,400.00 ZZ
180 91,054.96 1
4023 WYCLIFF AVENUE UNIT #104 7.750 860.33 80
7.500 860.33 114,300.00
DALLAS TX 75219 1 12/19/97 00
0410663355 01 02/01/98 0
410663355 O 01/01/13
0
1679469 F22/G02 F 100,000.00 ZZ
180 99,738.70 2
73 PARK ROW 9.125 1,021.72 40
8.875 1,021.72 251,000.00
1
WALLINGTON NJ 07057 5 12/24/97 00
0430574400 05 02/01/98 0
73060329 O 01/01/13
0
1679476 F22/G02 F 105,000.00 ZZ
180 104,716.21 1
1911 NW 40TH COURT 8.750 1,049.42 70
8.500 1,049.42 150,000.00
OAKLAND PARK FL 33309 5 12/10/97 00
0430574533 05 02/01/98 0
68008263 O 01/01/13
0
1679506 B75/G02 F 75,000.00 ZZ
180 74,783.26 1
5808 83RD AVENUE NE 8.000 716.74 50
7.750 716.74 150,000.00
EVERETT WA 98205 5 12/30/97 00
0430573592 05 02/01/98 0
7178700 O 01/01/13
0
1679555 744/G02 F 34,400.00 ZZ
180 34,400.00 1
334 GLADDYS AVENUE #301 7.500 318.89 80
7.250 318.89 43,000.00
LONG BEACH CA 90814 1 01/20/98 00
0430585406 01 03/01/98 0
25020 N 02/01/13
0
1679622 K08/G02 F 80,000.00 ZZ
180 79,766.24 1
10575 SW 102ND. STREET 7.875 758.76 54
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MIAMI FL 33176 5 12/23/97 00
0410647663 05 02/01/98 0
410647663 O 01/01/13
0
1679636 K08/G02 F 53,000.00 ZZ
180 52,843.41 1
1008 N. LAKESIDE DRIVE 7.750 498.88 50
7.500 498.88 107,000.00
LAKE WORTH FL 33460 1 12/29/97 00
0410664098 05 02/01/98 0
410664098 O 01/01/13
0
1
1679651 K08/G02 F 71,250.00 T
180 71,059.57 1
14810 WINDWARD DRIVE #408 8.875 717.38 75
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CORPUS CHRISTI TX 78418 1 12/22/97 00
0410646079 08 02/01/98 0
410646079 O 01/01/13
0
1679666 K08/G02 F 68,000.00 ZZ
180 67,799.10 1
88 SUNNYSIDE TERRACE 7.750 640.07 80
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EAST ORNAGE NJ 07019 1 12/22/97 00
0410635312 05 02/01/98 0
410635312 O 01/01/13
0
1679678 B76/G02 F 228,000.00 ZZ
180 227,303.83 1
10486 S JENNINGS 7.375 2,097.42 80
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GRAND BLANC MI 48439 5 12/11/97 00
0430576355 05 02/01/98 0
213821 O 01/01/13
0
1679726 K08/G02 F 60,000.00 ZZ
180 60,000.00 2
580 AND 592 EUCLID 8.250 582.08 48
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DINUBA CA 93618 5 12/30/97 00
0410670913 05 03/01/98 0
410670913 N 02/01/13
0
1679745 E57/G02 F 53,600.00 ZZ
180 53,455.13 1
4846 EAST BELLMONT AVENUE 8.750 535.70 83
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FRESNO CA 93726 2 12/30/97 12
0430615534 05 02/01/98 12
64212006334 N 01/01/13
0
1679756 E23/G02 F 315,000.00 ZZ
180 314,129.32 1
1
8621 SAN DIEGO AVENUE NE 8.500 3,101.93 63
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ALBUQUERQUE NM 87122 1 12/31/97 00
0430588459 05 02/01/98 0
40500455 O 01/01/13
0
1679785 K30/G02 F 49,200.00 ZZ
180 49,053.04 1
2729 SEA BREEZE DRIVE 7.625 459.59 64
7.375 459.59 78,000.00
EL PASO TX 79936 5 12/31/97 00
0430580613 05 02/01/98 0
0049200 N 01/01/13
0
1679790 369/G02 F 140,600.00 ZZ
180 140,175.37 1
1203 CARDINAL DRIVE 7.500 1,303.38 84
7.250 1,303.38 168,000.00
LA GRANGE KY 40031 5 12/18/97 01
0430579508 05 02/01/98 12
61223418 O 01/01/13
0
1679970 131/G02 F 111,600.00 ZZ
180 111,288.07 1
31 PRICE STREET 8.375 1,090.81 90
8.125 1,090.81 124,000.00
WEST CHESTER PA 19380 1 12/18/97 04
0430578393 07 02/01/98 25
70986 N 01/01/13
0
1680187 758/G02 F 52,200.00 ZZ
180 52,200.00 1
2131 LITTLE CEDAR DRIVE 8.125 502.62 90
7.875 502.62 58,000.00
KINGWOOD TX 77339 1 01/21/98 11
0430589564 03 03/01/98 25
32328 N 02/01/13
0
1680193 758/G02 F 42,300.00 ZZ
180 42,300.00 1
2610 MEANDERING TRAIL 8.125 407.30 90
7.875 407.30 47,000.00
KINGWOOD TX 77339 1 01/21/98 11
0430585612 05 03/01/98 25
1
32327 O 02/01/13
0
1680313 623/623 F 59,700.00 ZZ
180 59,223.13 1
13219 NW 140TH STREET 9.000 605.52 70
8.750 605.52 86,000.00
ALACHUA FL 32615 5 10/23/97 00
928253 27 12/01/97 0
928253 N 11/01/12
0
1680314 623/623 F 112,000.00 ZZ
180 110,025.37 1
6721 SWEET BUSH COURT 8.000 1,070.33 55
7.750 1,070.33 207,000.00
SYLVANIA OH 43560 2 07/25/97 00
932843 05 09/01/97 0
932843 O 08/01/12
0
1680317 623/623 F 150,000.00 ZZ
180 149,561.71 1
2355 SARDIS ROAD 7.875 1,422.67 72
7.625 1,422.67 210,000.00
SOMERVILLE TN 38068 2 12/12/97 00
938810 05 02/01/98 0
938810 O 01/01/13
0
1680318 623/623 F 55,350.00 ZZ
180 54,877.42 1
3012 BEACH STREET 8.250 536.98 66
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MUSKEGON MI 49441 5 10/16/97 00
939389 05 12/01/97 0
939389 N 11/01/12
0
1680320 623/623 F 33,000.00 ZZ
180 32,810.74 1
704 E MASON 8.125 317.75 75
7.875 317.75 44,000.00
OWOSSO MI 48867 5 11/11/97 00
942307 05 01/01/98 0
942307 N 12/01/12
0
1
1680321 623/623 F 24,700.00 ZZ
180 24,564.50 1
317 EAST ARLINGTON ST 8.625 245.04 54
8.375 245.04 46,000.00
BANGOR MI 49013 2 11/08/97 00
944046 05 01/01/98 0
944046 N 12/01/12
0
1680322 623/623 F 53,950.00 ZZ
180 53,318.58 1
1084 ST CLAIR AVENUE 8.000 515.57 65
7.750 515.57 83,000.00
HAMILTON OH 45011 5 09/19/97 00
944926 05 11/01/97 0
944926 N 10/01/12
0
1680323 623/623 F 43,000.00 ZZ
180 42,519.49 1
1677 HUXLEY COURT 8.500 423.44 67
8.250 423.44 65,000.00
COLUMBUS OH 43227 2 09/29/97 00
944955 05 11/01/97 0
944955 N 10/01/12
0
1680325 623/623 F 60,000.00 ZZ
180 59,329.56 1
4524 W 74TH PLACE 8.500 590.84 49
8.250 590.84 124,000.00
PRAIRIE VILLAGE KS 66208 5 09/29/97 00
947164 05 11/01/97 0
947164 O 10/01/12
0
1680326 623/623 F 54,000.00 ZZ
180 53,842.22 2
7173 ROBINSON 7.875 512.16 49
7.625 512.16 112,000.00
ALLEN PARK MI 48101 5 12/18/97 00
949255 05 02/01/98 0
949255 N 01/01/13
0
1680328 623/623 F 150,000.00 ZZ
180 149,049.75 2
2698 LOGAN ST 7.875 1,422.67 58
7.625 1,422.67 260,000.00
1
HIGHLAND PARK IL 60035 5 11/17/97 00
951344 05 01/01/98 0
951344 N 12/01/12
0
1680329 623/623 F 150,000.00 ZZ
180 149,120.54 1
12301 HOOVER AVE 7.875 1,422.67 63
7.625 1,422.67 240,000.00
UNIONTOWN OH 44685 5 11/14/97 00
954223 05 01/01/98 0
954223 O 12/01/12
0
1680330 623/623 F 168,000.00 ZZ
180 166,993.13 1
4014 PRIORY CIRCLE 7.625 1,569.34 80
7.375 1,569.34 210,000.00
TAMPA FL 33624 1 11/17/97 00
955378 03 01/01/98 0
955378 O 12/01/12
0
1680333 623/623 F 60,000.00 T
180 59,652.06 1
1420 BOSTON AVENUE 8.000 573.39 75
7.750 573.39 80,000.00
JOLIET IL 60435 1 11/18/97 00
956007 05 01/01/98 0
956007 O 12/01/12
0
1680334 623/623 F 131,250.00 ZZ
180 130,480.46 1
2625 PEPPERTREE LANE 7.875 1,244.84 75
7.625 1,244.84 175,000.00
WAUKEGAN IL 60085 5 11/25/97 00
956101 05 01/01/98 0
956101 O 12/01/12
0
1680335 623/623 F 243,600.00 ZZ
180 242,218.25 4
1928 NORTH DAMEN AVENUE 8.250 2,363.26 70
8.000 2,363.26 348,000.00
CHICAGO IL 60647 5 11/13/97 00
956136 05 01/01/98 0
956136 N 12/01/12
0
1
1680336 623/623 F 88,000.00 ZZ
180 87,484.03 1
1274 DOWNING ST 7.875 834.64 80
7.625 834.64 110,000.00
ROSELLE IL 60172 2 11/08/97 00
956402 09 01/01/98 0
956402 O 12/01/12
0
1680337 623/623 F 63,000.00 ZZ
180 62,468.03 1
1271 CHIPPEWA AVE 8.375 615.78 75
8.125 615.78 84,000.00
AKRON OH 44305 5 10/29/97 00
956501 05 12/01/97 0
956501 O 11/01/12
0
1680339 623/623 F 39,600.00 ZZ
180 39,370.36 1
2517 SPRING DRIVE 8.000 378.44 80
#3003 7.750 378.44 49,500.00
WOODRIDGE IL 60517 1 11/13/97 00
956763 01 01/01/98 0
956763 O 12/01/12
0
1680340 623/623 F 62,000.00 ZZ
180 60,590.58 1
6820 GRASSY HILL RD 7.500 574.75 49
7.250 574.75 127,680.00
ROCKY MOUNT VA 24151 2 12/05/97 00
957771 05 01/01/98 0
957771 O 12/01/12
0
1680341 623/623 F 63,000.00 ZZ
180 62,630.63 1
2917 2919 12TH AVE SOUTH 7.875 597.52 75
7.625 597.52 84,000.00
MINNEAPOLIS MN 55407 5 12/01/97 00
957985 05 01/01/98 0
957985 N 12/01/12
0
1680342 623/623 F 44,000.00 ZZ
180 43,744.84 1
1
805 BURR OAK DRIVE 8.000 420.49 49
7.750 420.49 90,000.00
LEWISVILLE TX 75067 1 11/10/97 00
958002 05 01/01/98 0
958002 N 12/01/12
0
1680343 623/623 F 104,000.00 ZZ
180 102,913.10 1
501 AMHERST LANE 8.375 1,016.52 80
8.125 1,016.52 130,000.00
HOFFMAN ESTATES IL 60195 1 11/21/97 00
958086 05 01/01/98 0
958086 N 12/01/12
0
1680346 623/623 F 90,000.00 ZZ
180 89,478.09 1
1855 GARDENSTONE DR 8.000 860.09 75
7.750 860.09 120,000.00
COLUMBUS OH 43235 5 11/12/97 00
958905 05 01/01/98 0
958905 O 12/01/12
0
1680349 623/623 F 85,571.00 ZZ
180 85,306.84 1
38 BARRINGTON COVE 7.250 781.15 78
7.000 781.15 111,000.00
JACKSON TN 38305 2 12/09/97 00
960677 05 02/01/98 0
960677 O 01/01/13
0
1680350 623/623 F 55,000.00 ZZ
180 54,841.06 1
5206 ROYAL VALE LN 8.000 525.61 25
7.750 525.61 220,000.00
DEARBORN MI 48126 5 12/09/97 00
960740 01 02/01/98 0
960740 O 01/01/13
0
1680351 623/623 F 43,500.00 ZZ
180 43,247.74 1
505 SUPERIOR 8.000 415.71 53
7.750 415.71 83,000.00
WYANDOTTE MI 48192 5 10/28/97 00
960826 05 01/01/98 0
1
960826 O 12/01/12
0
1680352 623/623 F 26,250.00 ZZ
180 26,167.18 1
6105 CORONA 7.000 235.94 75
6.750 235.94 35,000.00
KANSAS CITY KS 66102 5 12/11/97 00
962040 05 02/01/98 0
962040 N 01/01/13
0
1680353 623/623 F 72,000.00 ZZ
180 71,789.62 1
22040 WESTHAMPTON 7.875 682.88 80
7.625 682.88 90,000.00
OAK PARK MI 48237 5 12/05/97 00
962884 05 02/01/98 0
962884 O 01/01/13
0
1680354 623/623 F 61,875.00 T
180 61,520.12 1
1212 SOUTHWEST LEE STREET 8.125 595.79 75
#2 7.875 595.79 82,500.00
NEWPORT OR 97365 1 11/06/97 00
6220095 01 01/01/98 0
6220095 O 12/01/12
0
1680355 623/623 F 102,000.00 ZZ
180 101,401.96 1
358 EDWARDS STREET 7.875 967.42 78
7.625 967.42 131,000.00
MONMOUTH OR 97361 2 11/17/97 10
6220143 05 01/01/98 12
6220143 N 12/01/12
0
1680356 623/623 F 83,000.00 ZZ
180 82,259.58 1
4852 WEST PLACITA DEL SUENO 7.750 781.26 56
7.500 781.26 150,000.00
TUCSON AZ 85745 2 10/30/97 00
6221083 03 12/01/97 0
6221083 O 11/01/12
0
1
1680357 623/623 F 144,000.00 ZZ
180 143,127.48 1
1764 WEST SAN TAN STREET 7.500 1,334.90 80
7.250 1,334.90 180,000.00
CHANDLER AZ 85224 5 11/21/97 00
6221321 03 01/01/98 0
6221321 O 12/01/12
0
1680358 623/623 F 120,000.00 ZZ
180 119,319.33 1
119 MARSHALL COURT 8.250 1,164.17 52
8.000 1,164.17 231,000.00
SAN DIMAS CA 91773 5 11/04/97 00
6222294 05 01/01/98 0
6222294 O 12/01/12
0
1680359 623/623 F 90,000.00 ZZ
180 89,728.18 1
17033 EAST TUDOR STREET 7.500 834.32 64
7.250 834.32 142,500.00
COVINA CA 91722 5 12/11/97 00
6228009 05 02/01/98 0
6228009 N 01/01/13
0
1680360 623/623 F 35,200.00 ZZ
180 34,526.67 4
333 EAST AVENUE H-14 8.875 354.41 80
UNIT 1,2,3,4 8.625 354.41 44,000.00
LANDCASTER CA 93535 1 06/09/97 00
6235116 05 08/01/97 0
6235116 N 07/01/12
0
1680361 623/623 F 58,500.00 ZZ
180 58,338.30 1
1106 F AVENUE 8.500 576.07 75
8.250 576.07 78,000.00
LA GRANDE OR 97850 5 12/03/97 00
7008139 05 02/01/98 0
7008139 N 01/01/13
0
1680363 623/623 F 87,000.00 ZZ
180 86,232.35 1
6650 SOUTH KENTUCKY DRIVE 7.875 825.15 75
7.625 825.15 116,000.00
1
WEST JORDAN UT 84084 5 10/17/97 00
7537919 05 12/01/97 0
7537919 O 11/01/12
0
1680423 K08/G02 F 60,300.00 ZZ
180 60,137.02 1
295 PINE STREET 8.750 602.67 90
8.500 602.67 67,000.00
BOSQUE FARMS NM 87068 1 12/24/97 04
0410657506 05 02/01/98 25
410657506 N 01/01/13
0
1680424 K08/G02 F 85,000.00 ZZ
180 84,767.67 1
231 E TEMPERANCE 8.625 843.27 68
8.375 843.27 126,000.00
BEDFORD TWP MI 48182 5 12/19/97 00
0410627699 05 02/01/98 0
410627699 O 01/01/13
0
1680443 K08/G02 F 28,000.00 ZZ
180 27,927.66 2
2418 FABER 9.250 288.17 80
9.000 288.17 35,000.00
HAMTRAMCK MI 48212 1 12/30/97 00
0410637516 05 02/01/98 0
410637516 N 01/01/13
0
1680451 K08/G02 F 296,000.00 ZZ
180 295,181.84 1
6384 CATALPA CRT. 8.500 2,914.83 66
8.250 2,914.83 450,000.00
TROY MI 48098 2 12/29/97 00
0410652929 05 02/01/98 0
410652929 O 01/01/13
0
1680463 K08/G02 F 173,750.00 ZZ
180 173,258.91 1
13029 BINNEY STREET 8.250 1,685.62 74
8.000 1,685.62 235,000.00
OMAHA NE 68164 2 12/11/97 00
0410613194 03 02/01/98 0
410613194 O 01/01/13
0
1
1680468 K08/G02 F 38,500.00 ZZ
180 38,393.59 1
627 WASHBURN 8.500 379.12 70
8.250 379.12 55,000.00
KALAMAZOO MI 49001 5 12/29/97 00
0410655971 05 02/01/98 0
410655971 N 01/01/13
0
1680503 K08/G02 F 150,000.00 T
180 150,000.00 1
3615 LOWER HONOAPIILANI HIGHWY 8.000 1,433.48 69
UNIT #306 7.750 1,433.48 220,000.00
LAHAINA HI 96761 1 01/05/98 00
0410650147 01 03/01/98 0
410650147 O 02/01/13
0
1680539 B35/G02 F 62,475.00 ZZ
180 62,292.44 1
2728 TREMONT DRIVE N.W. 7.875 592.55 85
7.625 592.55 73,500.00
ROANOKE VA 24017 5 12/19/97 01
0430573709 05 02/01/98 12
9782011119 O 01/01/13
0
1680903 076/076 F 68,600.00 ZZ
180 68,227.81 1
5 LOWELL AVENUE 8.750 685.63 45
8.500 685.63 152,500.00
HOLDEN MA 01520 5 11/24/97 00
1315313 05 01/01/98 0
1315313 N 12/01/12
0
1680904 076/076 F 100,000.00 ZZ
180 99,400.68 1
35 GREEN MEADOW LANE 7.625 934.13 15
7.375 934.13 703,000.00
EAST FALMOUTH MA 02536 5 11/21/97 00
1323133 05 01/01/98 0
1323133 O 12/01/12
0
1680905 076/076 F 157,500.00 ZZ
180 156,586.65 1
1
676 SEA STREET 8.000 1,505.16 70
7.750 1,505.16 225,000.00
QUINCY MA 02169 1 11/13/97 00
5961972 05 01/01/98 0
5961972 O 12/01/12
0
1680906 076/076 F 215,000.00 ZZ
180 213,780.46 1
6904 GENEVA LANE 8.250 2,085.81 77
8.000 2,085.81 280,000.00
TEMPLE HILLS MD 20748 2 11/21/97 00
7109338 05 01/01/98 0
7109338 O 12/01/12
0
1680908 076/076 F 141,000.00 ZZ
180 139,700.46 1
3541 CHERRY CREEK ROAD 7.375 1,297.09 74
7.125 1,297.09 191,000.00
VALDOSTA GA 31602 1 10/27/97 00
7113009 05 12/01/97 0
7113009 O 11/01/12
0
1680909 076/076 F 54,000.00 ZZ
180 53,676.37 1
4305 SW 62 AVENUE 7.625 504.43 54
7.375 504.43 101,000.00
SOUTH MIAMI FL 33155 2 11/17/97 00
7123381 05 01/01/98 0
7123381 O 12/01/12
0
1680910 076/076 F 50,000.00 ZZ
180 49,549.06 1
4901 COLORADO STREET 7.625 467.07 70
7.375 467.07 72,000.00
DULUTH MN 55804 1 10/22/97 00
9092362 05 12/01/97 0
9092362 O 11/01/12
0
1680911 076/076 F 50,000.00 ZZ
180 49,728.72 3
68-70 WAVERLY STREET 8.750 499.73 64
8.500 499.73 79,000.00
PROVIDENCE RI 02907 5 12/01/97 00
9126432 05 01/01/98 0
1
9126432 N 12/01/12
0
1680913 076/076 F 76,800.00 ZZ
180 76,344.73 1
603 EAST OAKS AVENUE 7.750 722.90 70
7.500 722.90 111,000.00
PORT ARANSAS TX 78373 2 11/10/97 00
9177342 05 01/01/98 0
9177342 O 12/01/12
0
1680914 076/076 F 200,000.00 T
180 199,422.02 1
646 MOUNTAIN VILLAGE BOULEVARD 8.000 1,911.31 63
7.750 1,911.31 320,000.00
MOUNTAIN VILLAG CO 81435 1 12/10/97 00
9210222 01 02/01/98 0
9210222 O 01/01/13
0
1681001 K13/G02 F 176,000.00 ZZ
180 176,000.00 1
1030 BONNIE ANN COURT 7.125 1,594.27 80
6.875 1,594.27 220,000.00
LA HABRA CA 90631 2 01/09/98 00
0430584888 03 03/01/98 0
9801011 O 02/01/13
0
1681014 K08/G02 F 50,000.00 ZZ
180 50,000.00 1
5340 BEAR CREEK ROAD 7.625 467.06 37
7.375 467.06 136,000.00
GARDEN VALLEY CA 95633 1 01/12/98 00
0410681241 27 03/01/98 0
410681241 O 02/01/13
0
1681065 K08/G02 F 28,500.00 ZZ
180 28,422.97 1
4717 NW 7TH STREET UNIT #202 8.750 284.84 75
8.500 284.84 38,000.00
MIAMI FL 33126 5 12/30/97 00
0410658934 08 02/01/98 0
410658934 O 01/01/13
0
1
1681184 623/623 F 40,000.00 ZZ
180 39,778.08 1
144 GILBERT AVE 8.500 393.90 68
8.250 393.90 59,000.00
FAIRBORN OH 45324 5 11/25/97 00
096140 05 01/01/98 0
096140 N 12/01/12
0
1681212 E11/G02 F 292,500.00 ZZ
180 292,500.00 1
4915 REGENTS WALK 7.000 2,629.07 75
6.750 2,629.07 390,000.00
SHOREWOOD MN 55331 5 01/09/98 00
0430580340 03 03/01/98 0
0264591 O 02/01/13
0
1681239 976/976 F 294,400.00 ZZ
180 293,501.07 1
9957 HICKORY RIDGE DRIVE 7.375 2,708.26 80
7.125 2,708.26 368,000.00
ZIONSVILLE IN 46077 5 12/29/97 00
5166731 05 02/01/98 0
5166731 O 01/01/13
0
1681251 976/976 F 231,000.00 ZZ
180 230,309.96 1
1916 C.R. 1790 7.625 2,157.85 80
7.375 2,157.85 290,000.00
ALVORD TX 76264 2 12/17/97 00
5182227 05 02/01/98 0
5182227 O 01/01/13
0
1681256 976/976 F 314,500.00 ZZ
180 313,529.14 1
3614 TORREY VIEW COURT 7.250 2,870.96 80
7.000 2,870.96 393,165.00
SAN DIEGO CA 92130 1 12/22/97 00
5187610 03 02/01/98 0
5187610 O 01/01/13
0
1681380 637/G02 F 111,000.00 ZZ
180 110,672.05 1
816 LAKEWORTH CIRCLE 7.750 1,044.82 80
7.500 1,044.82 138,800.00
1
LAKE MARY FL 32746 1 12/17/97 00
0430588400 05 02/01/98 0
8568826 N 01/01/13
0
1681691 575/G02 F 175,000.00 ZZ
180 174,459.78 1
12106 QUORN LANE 7.250 1,597.51 70
7.000 1,597.51 250,000.00
RESTON VA 20191 5 12/19/97 00
0430582858 03 02/01/98 0
972442432 O 01/01/13
0
1681976 K08/G02 F 106,000.00 ZZ
180 105,697.05 1
473 SUNSET DRIVE 8.125 1,020.66 23
7.875 1,020.66 475,000.00
HALLANDALE FL 33009 5 12/29/97 00
0410666440 03 02/01/98 0
410666440 O 01/01/13
0
1681978 K08/G02 F 52,000.00 ZZ
180 51,849.73 1
2718 TAYLOR STREET 8.000 496.94 80
7.750 496.94 65,000.00
HOLLYWOOD FL 33020 1 12/26/97 00
0410650998 05 02/01/98 0
410650998 O 01/01/13
0
1681999 K08/G02 F 25,500.00 ZZ
180 25,427.92 1
4147 6 MILE ROAD 8.250 247.39 85
8.000 247.39 30,000.00
CRYSTAL SPRINGS MS 39059 5 12/12/97 04
0410649834 05 02/01/98 12
410649834 O 01/01/13
0
1682123 G75/G75 F 60,000.00 ZZ
180 59,632.45 1
2233 ASPEN COURT 7.375 551.96 80
7.125 551.96 75,000.00
MECHANICSBURG PA 17055 1 11/28/97 00
0339600 01 01/01/98 0
0339600 O 12/01/12
0
1
1682124 G75/G75 F 193,000.00 ZZ
180 191,868.40 1
15 NEW DOVER AVE 7.875 1,830.51 78
7.625 1,830.51 250,000.00
WOODBRIDGE TOWN NJ 07067 2 11/11/97 00
03382190 05 01/01/98 0
03382190 O 12/01/12
0
1682126 G75/G75 F 107,000.00 ZZ
180 106,393.06 1
1804 SNYDER AVE 8.250 1,038.06 58
8.000 1,038.06 185,000.00
BOROUGH OF BELM NJ 07719 2 11/06/97 00
03362655 05 01/01/98 0
03362655 O 12/01/12
0
1682189 229/G02 F 30,000.00 ZZ
180 29,918.91 1
7145 WALROND 8.750 299.84 90
8.500 299.84 33,350.00
KANSAS CITY MO 64132 1 12/22/97 04
0430580845 05 02/01/98 25
7688633 N 01/01/13
0
1682254 638/G02 F 87,900.00 ZZ
180 87,645.98 1
343 EAST COATSVILLE AVENUE 8.000 840.02 80
7.750 840.02 109,900.00
SALT LAKE CITY UT 84115 1 12/30/97 00
0430576587 05 02/01/98 0
8690868 N 01/01/13
0
1682579 K08/G02 F 65,100.00 ZZ
180 64,916.00 1
202 WEST 8TH STREET 8.250 631.56 70
8.000 631.56 93,000.00
LEADVILLE CO 80461 5 12/19/97 00
0410656532 05 02/01/98 0
410656532 N 01/01/13
0
1682582 K08/G02 F 53,000.00 ZZ
180 53,000.00 1
1
3910 S. LAKE CREEK DRIVE 8.625 525.80 33
8.375 525.80 161,000.00
JACKSON WY 83001 2 12/24/97 00
0410586044 01 03/01/98 0
410586044 N 02/01/13
0
1682583 K08/G02 F 91,000.00 ZZ
120 90,509.49 3
165-67 WEST END AVENUE 8.250 1,116.14 70
8.000 1,116.14 130,000.00
NEWARK NJ 07106 5 12/29/97 00
0410552442 05 02/01/98 0
410552442 N 01/01/08
0
1682593 K08/G02 F 233,250.00 ZZ
180 232,619.57 1
13740 S.W. 73RD AVENUE 8.750 2,331.21 75
8.500 2,331.21 311,000.00
MIAMI FL 33158 5 12/29/97 00
0410642391 05 02/01/98 0
410642391 O 01/01/13
0
1682599 E26/G02 F 88,000.00 ZZ
180 88,000.00 1
UNIT A 224 SOUTH 7TH STREET 7.000 790.97 80
6.750 790.97 110,000.00
BRIGANTINE NJ 08203 1 01/16/98 00
0430583815 05 03/01/98 0
62700536 O 02/01/13
0
1682606 K08/G02 F 65,000.00 ZZ
180 65,000.00 1
14561 TAMERISK LANE 7.375 597.95 52
7.125 597.95 127,000.00
FARMERS BRANCH TX 75234 5 01/05/98 00
0410600837 05 03/01/98 0
410600837 N 02/01/13
0
1682683 E86/G02 F 112,000.00 ZZ
180 112,000.00 2
420 EAST PINE STREET 7.500 1,038.25 58
7.250 1,038.25 195,000.00
LONG BEACH NY 11561 2 01/15/98 00
0430583450 05 03/01/98 0
1
20546 N 02/01/13
0
1682874 975/G02 F 146,400.00 ZZ
180 146,400.00 1
1848 WHEATON AVENUE 7.750 1,378.03 80
7.500 1,378.03 183,000.00
CLAREMONT CA 91711 1 01/02/98 00
0430580241 05 03/01/98 0
972592 N 02/01/13
0
1683208 E22/G02 F 25,500.00 ZZ
180 25,424.66 1
849 DUBLIN UNIT #A 7.750 240.03 75
7.500 240.03 34,000.00
RICHARDSON TX 75080 1 01/02/98 00
0410661656 01 02/01/98 0
410661656 O 01/01/13
0
1683229 E82/G02 F 42,500.00 ZZ
180 42,500.00 2
5446 & 5448 LISA CIRCLE 8.625 421.63 85
8.375 421.63 50,000.00
ZEPHYRHILLS FL 33541 1 01/09/98 04
0400084208 05 03/01/98 20
0400084208 N 02/01/13
0
1683241 405/405 F 267,000.00 ZZ
180 266,193.62 1
2966 TIFFANY CIRCLE 7.500 2,475.13 45
7.250 2,475.13 600,000.00
LOS ANGELES CA 90077 5 12/19/97 00
8448854 05 02/01/98 0
8448854 O 01/01/13
0
1683907 F27/G02 F 140,000.00 ZZ
180 139,572.52 1
4425 KINGS HIGHWAY 7.375 1,287.90 74
7.125 1,287.90 190,000.00
KING GEORGE VA 22485 5 12/18/97 00
0430579896 05 02/01/98 0
156319644 O 01/01/13
0
1
1683986 K08/G02 F 59,000.00 ZZ
180 59,000.00 1
2191 SOUTH KIHEI ROAD 8.000 563.83 63
UNIT #2217 7.750 563.83 95,000.00
KIHEI HI 96753 2 01/08/98 00
0410667877 01 03/01/98 0
410667877 N 02/01/13
0
1684000 K08/G02 F 525,000.00 T
180 525,000.00 1
50 NOHEA KAI DRIVE 8.250 5,093.24 70
UNIT # 2905 8.000 5,093.24 750,000.00
LAHAINA HI 96761 1 01/09/98 00
0410680748 22 03/01/98 0
410680748 O 02/01/13
0
1684015 K08/G02 F 134,400.00 ZZ
180 134,002.93 1
FM HYWY #799 7.750 1,265.07 80
7.500 1,265.07 168,000.00
GEORGE WEST TX 78022 1 12/30/97 00
0410631873 05 02/01/98 0
410631873 O 01/01/13
0
1684048 K08/G02 F 116,000.00 ZZ
180 115,672.14 1
203 WEST FRANKLIN STREET 8.250 1,125.36 80
8.000 1,125.36 145,000.00
BOUND BROOK NJ 08805 5 12/30/97 00
0410658546 05 02/01/98 0
410658546 O 01/01/13
0
1684053 K08/G02 F 175,000.00 ZZ
180 174,494.28 1
6201 SOUTHWEST 121ST STREET 8.000 1,672.39 50
7.750 1,672.39 355,000.00
PINECREST FL 33156 5 12/23/97 00
0410592174 05 02/01/98 0
410592174 O 01/01/13
0
1684200 830/830 F 220,000.00 ZZ
180 220,000.00 1
10210 SOUTH SNOW IRIS WAY 7.250 2,008.30 67
7.000 2,008.30 330,000.00
1
SANDY UT 84092 5 01/16/98 00
534304 05 03/01/98 0
534304 O 02/01/13
0
1684320 664/G02 F 52,200.00 ZZ
180 52,200.00 1
516 SEMINARY RIDGE 8.500 514.04 90
8.250 514.04 58,009.00
MESQUITE TX 75149 1 01/13/98 01
0430582403 05 03/01/98 25
2365682 N 02/01/13
0
1684354 K08/G02 F 36,400.00 ZZ
180 36,301.62 2
10943-45 LONGVIEW 8.750 363.80 70
8.500 363.80 52,000.00
DETROIT MI 48213 5 12/08/97 00
0410625180 05 02/01/98 0
410625180 N 01/01/13
0
1684373 K08/G02 F 68,500.00 ZZ
180 68,500.00 1
1563 WAYNE STREET 8.250 664.55 78
8.000 664.55 88,000.00
NOBLESVILLE IN 46060 2 01/05/98 00
0410638126 05 03/01/98 0
410638126 O 02/01/13
0
1684439 830/G02 F 373,400.00 ZZ
120 373,400.00 1
3225 SOUTH TIOGA WAY 7.500 4,432.32 75
7.250 4,432.32 500,000.00
LAS VEGAS NV 89117 2 01/20/98 00
0430596247 05 03/01/98 0
533711 O 02/01/08
0
1684948 069/G02 F 94,400.00 ZZ
180 94,139.07 2
3649-3651 WILBUR ST 8.500 929.60 80
8.250 929.60 118,000.00
RIVERSIDE CA 92503 1 12/02/97 00
0430592139 05 02/01/98 0
2142221422 N 01/01/13
0
1
1684957 E73/G02 F 38,850.00 ZZ
180 38,850.00 1
52 OAK AVENUE 7.000 349.20 33
6.750 349.20 120,000.00
BLACKWOOD NJ 08012 5 01/13/98 00
0430582874 05 03/01/98 0
8200019780 O 02/01/13
0
1684992 K08/G02 F 87,500.00 ZZ
180 87,500.00 4
1684 BRIGHTSIDE DRIVE 8.500 861.65 70
8.250 861.65 125,000.00
BATON ROUGE LA 70820 5 01/07/98 00
0410638936 05 03/01/98 0
410638936 N 02/01/13
0
1685028 F27/G02 F 42,000.00 ZZ
180 41,873.15 1
1507 ROANOKE AVE 7.500 389.35 66
7.250 389.35 64,000.00
HOPEWELL VA 23860 5 12/11/97 00
0430584235 05 02/01/98 0
166315667 N 01/01/13
0
1685113 638/G02 F 56,000.00 ZZ
180 55,846.93 1
172 BLACKSTRAP 8.625 555.57 30
8.375 555.57 188,000.00
FALMOUTH ME 04105 5 12/30/97 00
0430581801 05 02/01/98 0
08692760 O 01/01/13
0
1685240 B35/G02 F 90,000.00 ZZ
180 89,739.91 1
2221 JAMAICA DRIVE 8.000 860.09 64
7.750 860.09 142,000.00
WILMINGTON DE 19810 1 12/31/97 00
0430590174 05 02/01/98 0
9785011168 O 01/01/13
0
1685251 369/G02 F 36,000.00 ZZ
180 35,900.49 1
1
340 JENSEN AVENUE 8.500 354.51 90
8.250 354.51 40,000.00
EL PASO TX 79915 1 12/19/97 01
0430589523 05 02/01/98 25
0061006540 N 01/01/13
0
1685265 369/G02 F 88,000.00 ZZ
180 88,000.00 1
101 CIBOA AVENUE 8.250 853.73 80
8.000 853.73 110,000.00
NORTH PORT FL 34287 2 01/09/98 00
0430591396 05 03/01/98 0
0061327185 O 02/01/13
0
1685303 369/G02 F 60,000.00 ZZ
180 60,000.00 1
160 APRIL WIND COURT 8.125 577.73 80
7.875 577.73 75,000.00
MONTGOMERY TX 77356 1 01/09/98 00
0430591297 03 03/01/98 0
60979929 N 02/01/13
0
1685333 H48/G02 F 144,300.00 ZZ
180 144,300.00 1
5907 MOCKINGBIRD LANE 7.875 1,368.61 80
7.625 1,368.61 181,500.00
MCKINNEY TX 75070 2 01/16/98 00
0430590190 03 03/01/98 0
0247550 O 02/01/13
0
1685351 F34/G02 F 280,000.00 ZZ
180 280,000.00 1
601 SUNSET ROAD 8.375 2,736.80 80
8.125 2,736.80 350,000.00
CORAL GABLES FL 33146 1 01/20/98 00
0430591149 05 03/01/98 0
9701149 O 02/01/13
0
1685760 731/G02 F 64,000.00 ZZ
180 64,000.00 1
5349 NEWCASTLE AVENUE #59 8.375 625.55 80
8.125 625.55 80,000.00
LOS ANGELES CA 91316 1 01/08/98 00
0430591750 01 03/01/98 0
1
411715638 N 02/01/13
0
1685825 998/998 F 316,000.00 ZZ
180 315,056.06 1
1234 PRESTON WAY 7.625 2,951.86 79
7.375 2,951.86 400,000.00
LOS ANGELES CA 90291 2 12/18/97 00
69539690 05 02/01/98 0
69539690 O 01/01/13
0
1686119 F03/G02 F 95,000.00 ZZ
180 95,000.00 1
4948 ARDLEY DRIVE 7.625 887.43 80
7.375 887.43 118,950.00
COLORADO SPRING CO 80922 1 01/27/98 00
0430615849 05 03/01/98 0
DEN11737 O 02/01/13
0
1686427 638/G02 F 52,800.00 ZZ
180 52,800.00 1
1804 SUMTER STREET NORTHWEST 8.000 504.58 80
7.750 504.58 66,000.00
ATLANTA GA 30318 1 01/07/98 00
0430590828 05 03/01/98 0
8693803 O 02/01/13
0
1687037 003/G02 F 119,000.00 ZZ
180 119,000.00 3
2420 SW 58TH MANOR 8.000 1,137.23 85
7.750 1,137.23 140,000.00
FORT LAUDERDALE FL 33312 1 01/30/98 10
0430591107 05 03/01/98 12
0010422186 N 02/01/13
0
1687720 A53/G02 F 125,000.00 ZZ
180 125,000.00 1
15724 SUNSET RIDGE CT 2W 8.125 1,203.61 76
7.875 1,203.61 165,000.00
ORLAND PARK IL 60462 1 01/28/98 00
0430592568 01 03/01/98 0
0290030926 O 02/01/13
0
1
1687957 267/267 F 98,000.00 ZZ
180 98,000.00 1
17026 YUKON AVE #205 7.000 880.86 80
6.750 880.86 123,000.00
TORRANCE CA 90504 1 01/21/98 00
4339257 01 03/01/98 0
4339257 O 02/01/13
0
1689540 267/267 F 201,000.00 ZZ
180 201,000.00 1
2090 W. GENERAL STREET 7.125 1,820.73 71
6.875 1,820.73 285,000.00
RANCHO PALOS VE CA 90275 5 01/16/98 00
4335910 05 03/01/98 0
4335910 O 02/01/13
0
1691279 K08/G02 F 349,850.00 ZZ
180 349,850.00 1
6130 SWEETWATER COURT 7.625 3,268.05 72
7.375 3,268.05 490,000.00
SHOREWOOD MN 55331 2 01/16/98 00
0410661581 05 03/01/98 0
410661581 O 02/01/13
0
2617672 696/G02 F 115,200.00 ZZ
180 115,200.00 1
8122 BRIGHTRIDGE COURT 7.500 1,067.92 80
7.250 1,067.92 144,000.00
ELLICOTT CITY MD 21043 2 02/02/98 00
0430616177 03 03/01/98 0
3186137 O 02/01/13
0
TOTAL NUMBER OF LOANS : 1,579
TOTAL ORIGINAL BALANCE : 158,936,868.00
TOTAL PRINCIPAL BALANCE : 157,074,535.62
TOTAL ORIGINAL P+I : 1,521,116.58
TOTAL CURRENT P+I : 1,521,116.58
***************************
* END OF REPORT *
***************************
1
RUN ON : 02/27/98 RFC DISCLOSURE SYSTEM RFFSDFIX-01
AT : 12.04.57 FIXED PASSTHRU REPORT AMORTIZED BALANCE
SERIES : RALI 1998-QS3 CUTOFF : 02/01/98
POOL : 0004285
:
:
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
--------------------------------------------------------------
1536733 .2500
267,726.61 .0300
8.3750 .0000
8.1250 .0000
8.0950 .0000
6.5000 1.5950
1540297 .2500
230,730.66 .0300
8.2500 .0000
8.0000 .0000
7.9700 .0000
6.5000 1.4700
1566418 .2500
127,546.28 .0300
8.7500 .0000
8.5000 .0000
8.4700 .0000
6.5000 1.9700
1585779 .5000
21,543.72 .0300
9.2500 .0000
8.7500 .0000
8.7200 .0000
6.5000 2.2200
1587752 .2500
98,200.93 .0300
7.6250 .0000
7.3750 .0000
7.3450 .0000
6.5000 .8450
1590241 .2500
100,353.25 .0300
8.3750 .0000
8.1250 .0000
8.0950 .0000
6.5000 1.5950
1
1590656 .2500
49,108.19 .0300
9.5000 .0000
9.2500 .0000
9.2200 .0000
6.5000 2.7200
1590716 .2500
52,494.03 .0300
8.8750 .0000
8.6250 .0000
8.5950 .0000
6.5000 2.0950
1592268 .2500
129,795.92 .0300
8.6250 .0000
8.3750 .0000
8.3450 .0000
6.5000 1.8450
1593444 .2500
92,464.13 .0300
9.0000 .0000
8.7500 .0000
8.7200 .0000
6.5000 2.2200
1594036 .2500
58,251.24 .0300
8.7500 .0000
8.5000 .0000
8.4700 .0000
6.5000 1.9700
1594047 .2500
63,828.78 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
6.5000 1.0950
1595740 .2500
55,001.92 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
6.5000 1.0950
1595742 .2500
62,564.68 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
6.5000 1.0950
1
1597598 .2500
18,942.34 .0300
9.1250 .0000
8.8750 .0000
8.8450 .0000
6.5000 2.3450
1599550 .2500
52,117.18 .0300
9.2500 .0000
9.0000 .0000
8.9700 .0000
6.5000 2.4700
1601352 .2500
306,541.82 .0300
7.6250 .0000
7.3750 .0000
7.3450 .0000
6.5000 .8450
1602540 .2500
66,799.04 .0300
8.1250 .0000
7.8750 .0000
7.8450 .0000
6.5000 1.3450
1603041 .2500
142,592.86 .0300
8.3750 .0000
8.1250 .0000
8.0950 .0000
6.5000 1.5950
1603361 .2500
65,151.38 .0300
7.2500 .0000
7.0000 .0000
6.9700 .0000
6.5000 .4700
1603604 .2500
51,632.95 .0300
8.7500 .0000
8.5000 .0000
8.4700 .0000
6.5000 1.9700
1605187 .2500
37,367.91 .0300
8.5000 .0000
8.2500 .0000
8.2200 .0000
6.5000 1.7200
1
1606063 .2500
53,422.75 .0300
9.0000 .0000
8.7500 .0000
8.7200 .0000
6.5000 2.2200
1606126 .2500
50,434.84 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
6.5000 1.0950
1607544 .2500
242,567.23 .0300
8.2500 .0000
8.0000 .0000
7.9700 .0000
6.5000 1.4700
1607578 .2500
203,709.96 .0300
8.1250 .0000
7.8750 .0000
7.8450 .0000
6.5000 1.3450
1607579 .2500
81,788.98 .0300
8.2500 .0000
8.0000 .0000
7.9700 .0000
6.5000 1.4700
1607580 .2500
52,540.56 .0300
8.5000 .0000
8.2500 .0000
8.2200 .0000
6.5000 1.7200
1607581 .2500
92,885.23 .0300
8.2500 .0000
8.0000 .0000
7.9700 .0000
6.5000 1.4700
1607898 .2500
32,218.24 .0300
8.3750 .0000
8.1250 .0000
8.0950 .0000
6.5000 1.5950
1
1608708 .2500
125,749.24 .0300
8.8750 .0000
8.6250 .0000
8.5950 .0000
6.5000 2.0950
1610597 .2500
57,546.56 .0300
9.0000 .0000
8.7500 .0000
8.7200 .0000
6.5000 2.2200
1611602 .2500
108,687.43 .0300
7.7500 .0000
7.5000 .0000
7.4700 .0000
6.5000 .9700
1612293 .2500
41,583.74 .0300
8.2500 .0000
8.0000 .0000
7.9700 .0000
6.5000 1.4700
1612350 .2500
163,569.25 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
6.5000 1.2200
1612825 .2500
183,335.06 .0300
8.2500 .0000
8.0000 .0000
7.9700 .0000
6.5000 1.4700
1614753 .2500
47,809.82 .0300
7.5000 .0000
7.2500 .0000
7.2200 .0000
6.5000 .7200
1614826 .2500
53,877.45 .0300
8.2500 .0000
8.0000 .0000
7.9700 .0000
6.5000 1.4700
1
1614832 .2500
88,190.56 .0300
8.7500 .0000
8.5000 .0000
8.4700 .0000
6.5000 1.9700
1615057 .2500
59,681.69 .0300
9.0000 .0000
8.7500 .0000
8.7200 .0000
6.5000 2.2200
1615325 .2500
90,971.97 .0300
8.5000 .0000
8.2500 .0000
8.2200 .0000
6.5000 1.7200
1615402 .2500
75,769.56 .0300
9.1250 .0000
8.8750 .0000
8.8450 .0000
6.5000 2.3450
1616115 .2500
150,447.22 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
6.5000 1.0950
1617623 .2500
99,717.35 .0300
8.2500 .0000
8.0000 .0000
7.9700 .0000
6.5000 1.4700
1617972 .2500
59,504.45 .0300
8.6250 .0000
8.3750 .0000
8.3450 .0000
6.5000 1.8450
1618574 .2500
58,930.67 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
6.5000 1.0950
1
1618887 .2500
145,283.70 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
6.5000 1.2200
1618967 .2500
38,123.47 .0300
8.2500 .0000
8.0000 .0000
7.9700 .0000
6.5000 1.4700
1619017 .2500
80,786.15 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
6.5000 1.0950
1619328 .2500
67,046.77 .0300
8.5000 .0000
8.2500 .0000
8.2200 .0000
6.5000 1.7200
1620150 .2500
41,645.36 .0300
8.3750 .0000
8.1250 .0000
8.0950 .0000
6.5000 1.5950
1620242 .2500
86,972.57 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
6.5000 1.2200
1620658 .2500
294,525.69 .0300
7.7500 .0000
7.5000 .0000
7.4700 .0000
6.5000 .9700
1620795 .2500
76,752.24 .0300
8.3750 .0000
8.1250 .0000
8.0950 .0000
6.5000 1.5950
1
1620963 .2500
99,265.67 .0300
8.3750 .0000
8.1250 .0000
8.0950 .0000
6.5000 1.5950
1620971 .2500
58,774.98 .0300
8.1250 .0000
7.8750 .0000
7.8450 .0000
6.5000 1.3450
1621861 .2500
49,435.11 .0300
8.3750 .0000
8.1250 .0000
8.0950 .0000
6.5000 1.5950
1622417 .2500
63,227.99 .0300
7.6250 .0000
7.3750 .0000
7.3450 .0000
6.5000 .8450
1622620 .2500
222,621.56 .0300
7.3750 .0000
7.1250 .0000
7.0950 .0000
6.5000 .5950
1622675 .2500
64,451.14 .0300
8.3750 .0000
8.1250 .0000
8.0950 .0000
6.5000 1.5950
1622734 .2500
112,401.18 .0300
9.0000 .0000
8.7500 .0000
8.7200 .0000
6.5000 2.2200
1622754 .2500
75,712.39 .0300
8.5000 .0000
8.2500 .0000
8.2200 .0000
6.5000 1.7200
1
1622783 .2500
104,251.72 .0300
7.7500 .0000
7.5000 .0000
7.4700 .0000
6.5000 .9700
1622784 .2500
77,128.39 .0300
8.5000 .0000
8.2500 .0000
8.2200 .0000
6.5000 1.7200
1622903 .2500
111,116.08 .0300
8.2500 .0000
8.0000 .0000
7.9700 .0000
6.5000 1.4700
1622906 .2500
62,865.48 .0300
8.1250 .0000
7.8750 .0000
7.8450 .0000
6.5000 1.3450
1623504 .2500
120,131.05 .0300
8.7500 .0000
8.5000 .0000
8.4700 .0000
6.5000 1.9700
1623714 .2500
67,798.72 .0300
8.6250 .0000
8.3750 .0000
8.3450 .0000
6.5000 1.8450
1623907 .2500
47,906.33 .0300
8.6250 .0000
8.3750 .0000
8.3450 .0000
6.5000 1.8450
1624025 .2500
29,838.29 .0300
9.3750 .0000
9.1250 .0000
9.0950 .0000
6.5000 2.5950
1
1624047 .2500
64,497.59 .0300
8.5000 .0000
8.2500 .0000
8.2200 .0000
6.5000 1.7200
1624066 .2500
26,431.69 .0300
8.8750 .0000
8.6250 .0000
8.5950 .0000
6.5000 2.0950
1624198 .2500
98,966.16 .0300
9.3750 .0000
9.1250 .0000
9.0950 .0000
6.5000 2.5950
1624270 .3750
76,673.22 .0300
8.2500 .0000
7.8750 .0000
7.8450 .0000
6.5000 1.3450
1624383 .2500
112,753.93 .0300
8.7500 .0000
8.5000 .0000
8.4700 .0000
6.5000 1.9700
1624500 .2500
38,578.43 .0300
8.8750 .0000
8.6250 .0000
8.5950 .0000
6.5000 2.0950
1624519 .2500
52,567.10 .0300
8.7500 .0000
8.5000 .0000
8.4700 .0000
6.5000 1.9700
1624521 .2500
34,810.11 .0300
8.7500 .0000
8.5000 .0000
8.4700 .0000
6.5000 1.9700
1
1624587 .2500
49,979.10 .0300
8.5000 .0000
8.2500 .0000
8.2200 .0000
6.5000 1.7200
1624953 .2500
88,447.24 .0300
8.2500 .0000
8.0000 .0000
7.9700 .0000
6.5000 1.4700
1624959 .2500
53,600.00 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
6.5000 1.0950
1625028 .2500
244,614.65 .0300
7.5000 .0000
7.2500 .0000
7.2200 .0000
6.5000 .7200
1625145 .2500
57,132.48 .0300
8.1250 .0000
7.8750 .0000
7.8450 .0000
6.5000 1.3450
1625150 .2500
76,108.91 .0300
8.7500 .0000
8.5000 .0000
8.4700 .0000
6.5000 1.9700
1626036 .2500
93,588.45 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
6.5000 1.0950
1626258 .2500
53,237.93 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
6.5000 1.0950
1
1626263 .2500
92,535.45 .0300
7.3750 .0000
7.1250 .0000
7.0950 .0000
6.5000 .5950
1626287 .2500
37,744.68 .0300
8.3750 .0000
8.1250 .0000
8.0950 .0000
6.5000 1.5950
1626521 .2500
26,929.43 .0300
9.1250 .0000
8.8750 .0000
8.8450 .0000
6.5000 2.3450
1626643 .2500
123,088.66 .0300
7.5000 .0000
7.2500 .0000
7.2200 .0000
6.5000 .7200
1627534 .2500
53,961.00 .0300
7.5000 .0000
7.2500 .0000
7.2200 .0000
6.5000 .7200
1627600 .2500
102,825.01 .0300
8.3750 .0000
8.1250 .0000
8.0950 .0000
6.5000 1.5950
1627608 .2500
106,832.57 .0300
8.8750 .0000
8.6250 .0000
8.5950 .0000
6.5000 2.0950
1627796 .2500
200,904.25 .0300
8.3750 .0000
8.1250 .0000
8.0950 .0000
6.5000 1.5950
1
1627868 .2500
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8.1250 .0000
7.8750 .0000
7.8450 .0000
6.5000 1.3450
1679135 .2500
27,920.86 .0300
8.2500 .0000
8.0000 .0000
7.9700 .0000
6.5000 1.4700
1679136 .2500
35,450.63 .0300
8.3750 .0000
8.1250 .0000
8.0950 .0000
6.5000 1.5950
1679137 .2500
473,612.05 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
6.5000 1.0950
1
1679139 .2500
35,946.97 .0300
8.1250 .0000
7.8750 .0000
7.8450 .0000
6.5000 1.3450
1679140 .2500
134,583.27 .0300
7.2500 .0000
7.0000 .0000
6.9700 .0000
6.5000 .4700
1679142 .2500
139,151.72 .0300
7.5000 .0000
7.2500 .0000
7.2200 .0000
6.5000 .7200
1679143 .2500
185,915.59 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
6.5000 1.2200
1679144 .2500
73,511.76 .0300
8.3750 .0000
8.1250 .0000
8.0950 .0000
6.5000 1.5950
1679145 .2500
36,464.47 .0300
7.5000 .0000
7.2500 .0000
7.2200 .0000
6.5000 .7200
1679147 .2500
94,719.32 .0300
7.7500 .0000
7.5000 .0000
7.4700 .0000
6.5000 .9700
1679151 .2500
53,942.60 .0300
8.3750 .0000
8.1250 .0000
8.0950 .0000
6.5000 1.5950
1
1679152 .2500
57,235.38 .0300
8.1250 .0000
7.8750 .0000
7.8450 .0000
6.5000 1.3450
1679154 .2500
33,649.18 .0300
7.6250 .0000
7.3750 .0000
7.3450 .0000
6.5000 .8450
1679156 .2500
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7.3750 .0000
7.1250 .0000
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6.5000 .5950
1679157 .2500
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7.3750 .0000
7.1250 .0000
7.0950 .0000
6.5000 .5950
1679158 .2500
70,082.99 .0300
7.2500 .0000
7.0000 .0000
6.9700 .0000
6.5000 .4700
1679159 .2500
38,035.42 .0300
8.3750 .0000
8.1250 .0000
8.0950 .0000
6.5000 1.5950
1679161 .2500
40,500.00 .0300
8.7500 .0000
8.5000 .0000
8.4700 .0000
6.5000 1.9700
1679162 .2500
37,591.05 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
6.5000 1.2200
1
1679163 .2500
74,049.32 .0300
8.7500 .0000
8.5000 .0000
8.4700 .0000
6.5000 1.9700
1679164 .2500
16,154.22 .0300
8.2500 .0000
8.0000 .0000
7.9700 .0000
6.5000 1.4700
1679165 .2500
33,507.13 .0300
8.5000 .0000
8.2500 .0000
8.2200 .0000
6.5000 1.7200
1679166 .2500
74,530.85 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
6.5000 1.0950
1679208 .2500
248,031.96 .0300
7.2500 .0000
7.0000 .0000
6.9700 .0000
6.5000 .4700
1679237 .2500
49,565.67 .0300
8.7500 .0000
8.5000 .0000
8.4700 .0000
6.5000 1.9700
1679282 .2500
91,054.96 .0300
7.7500 .0000
7.5000 .0000
7.4700 .0000
6.5000 .9700
1679469 .2500
99,738.70 .0300
9.1250 .0000
8.8750 .0000
8.8450 .0000
6.5000 2.3450
1
1679476 .2500
104,716.21 .0300
8.7500 .0000
8.5000 .0000
8.4700 .0000
6.5000 1.9700
1679506 .2500
74,783.26 .0300
8.0000 .0000
7.7500 .0000
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6.5000 1.2200
1679555 .2500
34,400.00 .0300
7.5000 .0000
7.2500 .0000
7.2200 .0000
6.5000 .7200
1679622 .2500
79,766.24 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
6.5000 1.0950
1679636 .2500
52,843.41 .0300
7.7500 .0000
7.5000 .0000
7.4700 .0000
6.5000 .9700
1679651 .2500
71,059.57 .0300
8.8750 .0000
8.6250 .0000
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6.5000 2.0950
1679666 .2500
67,799.10 .0300
7.7500 .0000
7.5000 .0000
7.4700 .0000
6.5000 .9700
1679678 .2500
227,303.83 .0300
7.3750 .0000
7.1250 .0000
7.0950 .0000
6.5000 .5950
1
1679726 .2500
60,000.00 .0300
8.2500 .0000
8.0000 .0000
7.9700 .0000
6.5000 1.4700
1679745 .2500
53,455.13 .0300
8.7500 .0000
8.5000 .0000
8.4700 .0000
6.5000 1.9700
1679756 .2500
314,129.32 .0300
8.5000 .0000
8.2500 .0000
8.2200 .0000
6.5000 1.7200
1679785 .2500
49,053.04 .0300
7.6250 .0000
7.3750 .0000
7.3450 .0000
6.5000 .8450
1679790 .2500
140,175.37 .0300
7.5000 .0000
7.2500 .0000
7.2200 .0000
6.5000 .7200
1679970 .2500
111,288.07 .0300
8.3750 .0000
8.1250 .0000
8.0950 .0000
6.5000 1.5950
1680187 .2500
52,200.00 .0300
8.1250 .0000
7.8750 .0000
7.8450 .0000
6.5000 1.3450
1680193 .2500
42,300.00 .0300
8.1250 .0000
7.8750 .0000
7.8450 .0000
6.5000 1.3450
1
1680313 .2500
59,223.13 .0300
9.0000 .0000
8.7500 .0000
8.7200 .0000
6.5000 2.2200
1680314 .2500
110,025.37 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
6.5000 1.2200
1680317 .2500
149,561.71 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
6.5000 1.0950
1680318 .2500
54,877.42 .0300
8.2500 .0000
8.0000 .0000
7.9700 .0000
6.5000 1.4700
1680320 .2500
32,810.74 .0300
8.1250 .0000
7.8750 .0000
7.8450 .0000
6.5000 1.3450
1680321 .2500
24,564.50 .0300
8.6250 .0000
8.3750 .0000
8.3450 .0000
6.5000 1.8450
1680322 .2500
53,318.58 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
6.5000 1.2200
1680323 .2500
42,519.49 .0300
8.5000 .0000
8.2500 .0000
8.2200 .0000
6.5000 1.7200
1
1680325 .2500
59,329.56 .0300
8.5000 .0000
8.2500 .0000
8.2200 .0000
6.5000 1.7200
1680326 .2500
53,842.22 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
6.5000 1.0950
1680328 .2500
149,049.75 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
6.5000 1.0950
1680329 .2500
149,120.54 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
6.5000 1.0950
1680330 .2500
166,993.13 .0300
7.6250 .0000
7.3750 .0000
7.3450 .0000
6.5000 .8450
1680333 .2500
59,652.06 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
6.5000 1.2200
1680334 .2500
130,480.46 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
6.5000 1.0950
1680335 .2500
242,218.25 .0300
8.2500 .0000
8.0000 .0000
7.9700 .0000
6.5000 1.4700
1
1680336 .2500
87,484.03 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
6.5000 1.0950
1680337 .2500
62,468.03 .0300
8.3750 .0000
8.1250 .0000
8.0950 .0000
6.5000 1.5950
1680339 .2500
39,370.36 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
6.5000 1.2200
1680340 .2500
60,590.58 .0300
7.5000 .0000
7.2500 .0000
7.2200 .0000
6.5000 .7200
1680341 .2500
62,630.63 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
6.5000 1.0950
1680342 .2500
43,744.84 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
6.5000 1.2200
1680343 .2500
102,913.10 .0300
8.3750 .0000
8.1250 .0000
8.0950 .0000
6.5000 1.5950
1680346 .2500
89,478.09 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
6.5000 1.2200
1
1680349 .2500
85,306.84 .0300
7.2500 .0000
7.0000 .0000
6.9700 .0000
6.5000 .4700
1680350 .2500
54,841.06 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
6.5000 1.2200
1680351 .2500
43,247.74 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
6.5000 1.2200
1680352 .2500
26,167.18 .0300
7.0000 .0000
6.7500 .0000
6.7200 .0000
6.5000 .2200
1680353 .2500
71,789.62 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
6.5000 1.0950
1680354 .2500
61,520.12 .0300
8.1250 .0000
7.8750 .0000
7.8450 .0000
6.5000 1.3450
1680355 .2500
101,401.96 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
6.5000 1.0950
1680356 .2500
82,259.58 .0300
7.7500 .0000
7.5000 .0000
7.4700 .0000
6.5000 .9700
1
1680357 .2500
143,127.48 .0300
7.5000 .0000
7.2500 .0000
7.2200 .0000
6.5000 .7200
1680358 .2500
119,319.33 .0300
8.2500 .0000
8.0000 .0000
7.9700 .0000
6.5000 1.4700
1680359 .2500
89,728.18 .0300
7.5000 .0000
7.2500 .0000
7.2200 .0000
6.5000 .7200
1680360 .2500
34,526.67 .0300
8.8750 .0000
8.6250 .0000
8.5950 .0000
6.5000 2.0950
1680361 .2500
58,338.30 .0300
8.5000 .0000
8.2500 .0000
8.2200 .0000
6.5000 1.7200
1680363 .2500
86,232.35 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
6.5000 1.0950
1680423 .2500
60,137.02 .0300
8.7500 .0000
8.5000 .0000
8.4700 .0000
6.5000 1.9700
1680424 .2500
84,767.67 .0300
8.6250 .0000
8.3750 .0000
8.3450 .0000
6.5000 1.8450
1
1680443 .2500
27,927.66 .0300
9.2500 .0000
9.0000 .0000
8.9700 .0000
6.5000 2.4700
1680451 .2500
295,181.84 .0300
8.5000 .0000
8.2500 .0000
8.2200 .0000
6.5000 1.7200
1680463 .2500
173,258.91 .0300
8.2500 .0000
8.0000 .0000
7.9700 .0000
6.5000 1.4700
1680468 .2500
38,393.59 .0300
8.5000 .0000
8.2500 .0000
8.2200 .0000
6.5000 1.7200
1680503 .2500
150,000.00 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
6.5000 1.2200
1680539 .2500
62,292.44 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
6.5000 1.0950
1680903 .2500
68,227.81 .0300
8.7500 .0000
8.5000 .0000
8.4700 .0000
6.5000 1.9700
1680904 .2500
99,400.68 .0300
7.6250 .0000
7.3750 .0000
7.3450 .0000
6.5000 .8450
1
1680905 .2500
156,586.65 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
6.5000 1.2200
1680906 .2500
213,780.46 .0300
8.2500 .0000
8.0000 .0000
7.9700 .0000
6.5000 1.4700
1680908 .2500
139,700.46 .0300
7.3750 .0000
7.1250 .0000
7.0950 .0000
6.5000 .5950
1680909 .2500
53,676.37 .0300
7.6250 .0000
7.3750 .0000
7.3450 .0000
6.5000 .8450
1680910 .2500
49,549.06 .0300
7.6250 .0000
7.3750 .0000
7.3450 .0000
6.5000 .8450
1680911 .2500
49,728.72 .0300
8.7500 .0000
8.5000 .0000
8.4700 .0000
6.5000 1.9700
1680913 .2500
76,344.73 .0300
7.7500 .0000
7.5000 .0000
7.4700 .0000
6.5000 .9700
1680914 .2500
199,422.02 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
6.5000 1.2200
1
1681001 .2500
176,000.00 .0300
7.1250 .0000
6.8750 .0000
6.8450 .0000
6.5000 .3450
1681014 .2500
50,000.00 .0300
7.6250 .0000
7.3750 .0000
7.3450 .0000
6.5000 .8450
1681065 .2500
28,422.97 .0300
8.7500 .0000
8.5000 .0000
8.4700 .0000
6.5000 1.9700
1681184 .2500
39,778.08 .0300
8.5000 .0000
8.2500 .0000
8.2200 .0000
6.5000 1.7200
1681212 .2500
292,500.00 .0300
7.0000 .0000
6.7500 .0000
6.7200 .0000
6.5000 .2200
1681239 .2500
293,501.07 .0300
7.3750 .0000
7.1250 .0000
7.0950 .0000
6.5000 .5950
1681251 .2500
230,309.96 .0300
7.6250 .0000
7.3750 .0000
7.3450 .0000
6.5000 .8450
1681256 .2500
313,529.14 .0300
7.2500 .0000
7.0000 .0000
6.9700 .0000
6.5000 .4700
1
1681380 .2500
110,672.05 .0300
7.7500 .0000
7.5000 .0000
7.4700 .0000
6.5000 .9700
1681691 .2500
174,459.78 .0300
7.2500 .0000
7.0000 .0000
6.9700 .0000
6.5000 .4700
1681976 .2500
105,697.05 .0300
8.1250 .0000
7.8750 .0000
7.8450 .0000
6.5000 1.3450
1681978 .2500
51,849.73 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
6.5000 1.2200
1681999 .2500
25,427.92 .0300
8.2500 .0000
8.0000 .0000
7.9700 .0000
6.5000 1.4700
1682123 .2500
59,632.45 .0300
7.3750 .0000
7.1250 .0000
7.0950 .0000
6.5000 .5950
1682124 .2500
191,868.40 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
6.5000 1.0950
1682126 .2500
106,393.06 .0300
8.2500 .0000
8.0000 .0000
7.9700 .0000
6.5000 1.4700
1
1682189 .2500
29,918.91 .0300
8.7500 .0000
8.5000 .0000
8.4700 .0000
6.5000 1.9700
1682254 .2500
87,645.98 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
6.5000 1.2200
1682579 .2500
64,916.00 .0300
8.2500 .0000
8.0000 .0000
7.9700 .0000
6.5000 1.4700
1682582 .2500
53,000.00 .0300
8.6250 .0000
8.3750 .0000
8.3450 .0000
6.5000 1.8450
1682583 .2500
90,509.49 .0300
8.2500 .0000
8.0000 .0000
7.9700 .0000
6.5000 1.4700
1682593 .2500
232,619.57 .0300
8.7500 .0000
8.5000 .0000
8.4700 .0000
6.5000 1.9700
1682599 .2500
88,000.00 .0300
7.0000 .0000
6.7500 .0000
6.7200 .0000
6.5000 .2200
1682606 .2500
65,000.00 .0300
7.3750 .0000
7.1250 .0000
7.0950 .0000
6.5000 .5950
1
1682683 .2500
112,000.00 .0300
7.5000 .0000
7.2500 .0000
7.2200 .0000
6.5000 .7200
1682874 .2500
146,400.00 .0300
7.7500 .0000
7.5000 .0000
7.4700 .0000
6.5000 .9700
1683208 .2500
25,424.66 .0300
7.7500 .0000
7.5000 .0000
7.4700 .0000
6.5000 .9700
1683229 .2500
42,500.00 .0300
8.6250 .0000
8.3750 .0000
8.3450 .0000
6.5000 1.8450
1683241 .2500
266,193.62 .0300
7.5000 .0000
7.2500 .0000
7.2200 .0000
6.5000 .7200
1683907 .2500
139,572.52 .0300
7.3750 .0000
7.1250 .0000
7.0950 .0000
6.5000 .5950
1683986 .2500
59,000.00 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
6.5000 1.2200
1684000 .2500
525,000.00 .0300
8.2500 .0000
8.0000 .0000
7.9700 .0000
6.5000 1.4700
1
1684015 .2500
134,002.93 .0300
7.7500 .0000
7.5000 .0000
7.4700 .0000
6.5000 .9700
1684048 .2500
115,672.14 .0300
8.2500 .0000
8.0000 .0000
7.9700 .0000
6.5000 1.4700
1684053 .2500
174,494.28 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
6.5000 1.2200
1684200 .2500
220,000.00 .0300
7.2500 .0000
7.0000 .0000
6.9700 .0000
6.5000 .4700
1684320 .2500
52,200.00 .0300
8.5000 .0000
8.2500 .0000
8.2200 .0000
6.5000 1.7200
1684354 .2500
36,301.62 .0300
8.7500 .0000
8.5000 .0000
8.4700 .0000
6.5000 1.9700
1684373 .2500
68,500.00 .0300
8.2500 .0000
8.0000 .0000
7.9700 .0000
6.5000 1.4700
1684439 .2500
373,400.00 .0300
7.5000 .0000
7.2500 .0000
7.2200 .0000
6.5000 .7200
1
1684948 .2500
94,139.07 .0300
8.5000 .0000
8.2500 .0000
8.2200 .0000
6.5000 1.7200
1684957 .2500
38,850.00 .0300
7.0000 .0000
6.7500 .0000
6.7200 .0000
6.5000 .2200
1684992 .2500
87,500.00 .0300
8.5000 .0000
8.2500 .0000
8.2200 .0000
6.5000 1.7200
1685028 .2500
41,873.15 .0300
7.5000 .0000
7.2500 .0000
7.2200 .0000
6.5000 .7200
1685113 .2500
55,846.93 .0300
8.6250 .0000
8.3750 .0000
8.3450 .0000
6.5000 1.8450
1685240 .2500
89,739.91 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
6.5000 1.2200
1685251 .2500
35,900.49 .0300
8.5000 .0000
8.2500 .0000
8.2200 .0000
6.5000 1.7200
1685265 .2500
88,000.00 .0300
8.2500 .0000
8.0000 .0000
7.9700 .0000
6.5000 1.4700
1
1685303 .2500
60,000.00 .0300
8.1250 .0000
7.8750 .0000
7.8450 .0000
6.5000 1.3450
1685333 .2500
144,300.00 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
6.5000 1.0950
1685351 .2500
280,000.00 .0300
8.3750 .0000
8.1250 .0000
8.0950 .0000
6.5000 1.5950
1685760 .2500
64,000.00 .0300
8.3750 .0000
8.1250 .0000
8.0950 .0000
6.5000 1.5950
1685825 .2500
315,056.06 .0300
7.6250 .0000
7.3750 .0000
7.3450 .0000
6.5000 .8450
1686119 .2500
95,000.00 .0300
7.6250 .0000
7.3750 .0000
7.3450 .0000
6.5000 .8450
1686427 .2500
52,800.00 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
6.5000 1.2200
1687037 .2500
119,000.00 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
6.5000 1.2200
1
1687720 .2500
125,000.00 .0300
8.1250 .0000
7.8750 .0000
7.8450 .0000
6.5000 1.3450
1687957 .2500
98,000.00 .0300
7.0000 .0000
6.7500 .0000
6.7200 .0000
6.5000 .2200
1689540 .2500
201,000.00 .0300
7.1250 .0000
6.8750 .0000
6.8450 .0000
6.5000 .3450
1691279 .2500
349,850.00 .0300
7.6250 .0000
7.3750 .0000
7.3450 .0000
6.5000 .8450
2617672 .2500
115,200.00 .0300
7.5000 .0000
7.2500 .0000
7.2200 .0000
6.5000 .7200
TOTAL NUMBER OF LOANS: 1579
TOTAL BALANCE........: 157,074,535.62
1
RUN ON : 02/27/98 RFC DISCLOSURE SYSTEM RFFSDFIX-01
AT : 12.04.57 INITIAL SECURITY FEES AMORTIZED BALANCE
SERIES : RALI 1998-QS3 FIXED SUMMARY REPORT CUTOFF : 02/01/98
POOL : 0004285
:
:
POOL STATUS: F
WEIGHTED AVERAGES FROM TO
-----------------------------------------------------------------------
CURR NOTE RATE 7.9910 6.8750 10.1250
RFC NET RATE 7.7402 6.6250 9.8750
NET MTG RATE(INVSTR RATE) 7.7102 6.5950 9.8450
POST STRIP RATE 6.5000 6.5000 6.5000
SUB SERV FEE .2508 .2500 .5000
MSTR SERV FEE .0300 .0300 .0300
ALL EXP .0000 .0000 .0000
MISC EXP .0000 .0000 .0000
SPREAD .0000 .0000 .0000
STRIP 1.2102 .0950 3.3450
TOTAL NUMBER OF LOANS: 1579
TOTAL BALANCE........: 157,074,535.62
***************************
* END OF REPORT *
***************************
<PAGE>
EXHIBIT G
FORM OF SELLER/SERVICER CONTRACT
This Seller/Servicer Contract (as may be amended, supplemented or
otherwise modified from time to time, this "Contract") is made this _________
day of _______, 19____, by and between Residential Funding Corporation, its
successors and assigns ("Residential Funding") and _____________________ (the
"Seller/Servicer," and, together with Residential Funding, the "parties" and
each, individually, a "party").
WHEREAS, the Seller/Servicer desires to sell Loans to, and/or service
Loans for, Residential Funding, and Residential Funding desires to purchase
Loans from the Seller/Servicer and/or have the Seller/Servicer service various
of its Loans, pursuant to the terms of this Contract and the Residential Funding
Seller and Servicer Guides incorporated herein by reference, as amended,
supplemented or otherwise modified, from time to time (together, the "Guides").
NOW, THEREFORE, in consideration of the premises, and the terms,
conditions and agreements set forth below, the parties agree as follows:
1. Incorporation of Guides by Reference.
The Seller/Servicer acknowledges that it has received and read the Guides.
All provisions of the Guides are incorporated by reference into and made a part
of this Contract, and shall be binding upon the parties; provided, however, that
the Seller/Servicer shall be entitled to sell Loans to and/or service Loans for
Residential Funding only if and for so long as it shall have been authorized to
do so by Residential Funding in writing. Specific reference in this Contract to
particular provisions of the Guides and not to other provisions does not mean
that those provisions of the Guides not specifically cited in this Contract are
not applicable. All terms used herein shall have the same meanings as such terms
have in the Guides, unless the context clearly requires otherwise.
2. Amendments.
This Contract may not be amended or modified orally, and no provision of
this Contract may be waived or amended except in writing signed by the party
against whom enforcement is sought. Such a written waiver or amendment must
expressly reference this Contract. However, by their terms, the Guides may be
amended or supplemented by Residential Funding from time to time. Any such
amendment(s) to the Guides shall be binding upon the parties hereto.
3. Representations and Warranties.
a. Reciprocal Representations and Warranties.
The Seller/Servicer and Residential Funding each represents and warrants
to the other that as of the date of this Contract:
<PAGE>
(1) Each party is duly organized, validly existing, and in good
standing under the laws of its jurisdiction of organization, is
qualified, if necessary, to do business and in good standing in
each jurisdiction in which it is required to be so qualified,
and has the requisite power and authority to enter into this
Contract and all other agreements which are contemplated by this
Contract and to carry out its obligations hereunder and under
the Guides and under such other agreements.
(2) This Contract has been duly authorized, executed and delivered
by each party and constitutes a valid and legally binding
agreement of each party enforceable in accordance with its
terms.
(3) There is no action, proceeding or investigation pending or
threatened, and no basis therefor is known to either party, that
could affect the validity or prospective validity of this
Contract.
(4) Insofar as its capacity to carry out any obligation under this
Contract is concerned, neither party is in violation of any
charter, articles of incorporation, bylaws, mortgage, indenture,
indebtedness, agreement, instrument, judgment, decree, order,
statute, rule or regulation and none of the foregoing adversely
affects its capacity to fulfill any of its obligations under
this Contract. Its execution of, and performance pursuant to,
this Contract will not result in a violation of any of the
foregoing.
b. Seller/Servicer's Representations, Warranties and Covenants.
In addition to the representations, warranties and covenants made by the
Seller/Servicer pursuant to subparagraph (a) of this paragraph 3, the
Seller/Servicer makes the representations, warranties and covenants set
forth in the Guides and, upon request, agrees to deliver to Residential
Funding the certified Resolution of Board of Directors which authorizes
the execution and delivery of this Contract.
4. Remedies of Residential Funding.
If an Event of Seller Default or an Event of Servicer Default shall occur,
Residential Funding may, at its option, exercise one or more of those remedies
set forth in the Guides.
5. Seller/Servicer's Status as Independent Contractocr.
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.
G-2
<PAGE>
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.
If to the Seller/Servicer, notice must be sent to:
Attention:
Telefacsimile Number: (___) ___-____
G-3
<PAGE>
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 enforced in accordance with,
applicable federal laws and the laws of the State of Minnesota.
G-4
<PAGE>
IN WITNESS WHEREOF, the duly authorized officers of the Seller/Servicer
and Residential Funding have executed this Seller/Servicer Contract as of the
date first above written.
ATTEST: SELLER/SERVICER
[Corporate Seal]
(Name of Seller/Servicer)
By: By:
(Signature) (Signature)
By:
(Typed Name) (Typed Name)
Title: Title:
========================================================================
ATTEST: RESIDENTIAL FUNDING CORPORATION
By: By:
(Signature) (Signature)
By:
(Typed Name) (Typed Name)
Title: Title:
<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>
G-7
<PAGE>
I-1-
EXHIBIT I-1
FORM OF TRANSFER AFFIDAVIT AND AGREEMENT
STATE OF )
) ss.:
COUNTY OF )
[NAME OF OFFICER], being first duly sworn, deposes and says:
That he is [Title of Officer] of [Name of Owner] (record or beneficial
owner of the Mortgage Asset-Backed Pass-Through Certificates, Series 1998-QS3,
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.
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).
That the Owner is aware (i) of the tax that would be imposed on transfers
of Class R Certificates to disqualified organizations under the Code, that
applies to all transfers of Class R Certificates after March 31, 1988; (ii) that
such tax would be on the transferor, or, if such transfer is through an agent
(which person includes a broker, nominee or middleman) for a disqualified
organization, on the agent; (iii) that the person otherwise liable for the tax
shall be relieved of liability for the tax if the transferee furnishes to such
person an affidavit that the transferee is not a disqualified organization and,
at the time of transfer, such person does not have actual knowledge that the
affidavit is false; and (iv) that the Class R Certificates may be "noneconomic
residual interests" within the meaning of Treasury regulations promulgated
pursuant to the Code and that the transferor of a noneconomic residual interest
will remain liable for any taxes due with respect to the income on such residual
interest, unless no significant purpose of the transfer was to impede the
assessment or collection of tax.
<PAGE>
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.)
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.
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.
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.
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.
The Owner's Taxpayer Identification Number is ______________.
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.
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.
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.
I-1-2
<PAGE>
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.
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__.
<PAGE>
EXHIBIT I-2
FORM OF TRANSFEROR CERTIFICATE
__________________, 199_
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 1998-QS3
Re: Mortgage Asset-Backed Pass-Through Certificates,
Series 1998-QS3, 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 1998-QS3, Class R (the "Certificates"), pursuant to Section
5.02 of the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement"), dated as of February 1, 1998 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:
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.
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.
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
<PAGE>
its debts as they become due and has found no significant evidence to
indicate that the Purchaser will not continue to pay its debts as they become
due in the future. The Seller understands that the transfer of a Class R
Certificate may not be respected for United States income tax purposes (and
the Seller may continue to be liable for United States income taxes
associated therewith) unless the Seller has conducted such an investigation.
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
________________ ____, 199__
Residential Accredit Loans, Inc.
8400 Normandale Lake Boulevard
Suite 600
Minneapolis, Minnesota 55437
Bankers Trust Company
3 Park Plaza
Irvine, California 92714
Residential Funding Corporation
8400 Normandale Lake Boulevard
Suite 600
Minneapolis, Minnesota 55437
Attention: Residential Funding Corporation Series 1998-QS3
RE: Mortgage Asset-Backed Pass-Through Certificates,
Series 1998-QS3, [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
1998-QS3, Class __ (the "Certificates"), issued pursuant to the Pooling and
Servicing Agreement (the "Pooling and Servicing Agreement"), dated as of
February 1, 1998 among Residential Accredit Loans, Inc., as seller (the
"Company"), Residential Funding Corporation, as master servicer (the "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, the Trustee and the Master
Servicer that:
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
<PAGE>
Servicing Agreement contains restrictions regarding the transfer of the
Certificates and (e) the Certificates will bear a legend to the foregoing
effect.
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.
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.
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.]
The Purchaser has not and will not nor has it authorized or will it
authorize any person to (a) offer, pledge, sell, dispose of or otherwise
transfer any Certificate, any interest in any Certificate or any other similar
security to any person in any manner, (b) solicit any offer to buy or to accept
a pledge, disposition of other transfer of any Certificate, any interest in any
Certificate or any other similar security from any person in any manner, (c)
otherwise approach or negotiate with respect to any Certificate, any interest in
any Certificate or any other similar security with any person in any manner, (d)
make any general solicitation by means of general advertising or in any other
manner or (e) take any other action, that (as to any of (a) through (e) above)
would constitute a distribution of any Certificate under the Act, that would
render the disposition of any Certificate a violation of Section 5 of the Act or
any state securities law, or that would require registration or qualification
pursuant thereto. The Purchaser will not sell or otherwise transfer any of the
Certificates, except in compliance with the provisions of the Pooling and
Servicing Agreement.
The Purchaser
J-1-2
<PAGE>
is not an employee benefit or other plan subject to the prohibited
transaction provisions of the Employee Retirement Income Security Act of 1974,
as amended ("ERISA"), or Section 4975 of the Internal Revenue Code of 1986, as
amended (the "Code") (a "Plan"), or any other person (including an investment
manager, a named fiduciary or a trustee of any Plan) acting, directly or
indirectly, on behalf of or purchasing any Certificate with "plan assets" of any
Plan within the meaning of the Department of Labor ("DOL") regulation at 29
C.F.R. ?2510.3-101; or
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 DOL Prohibited Transaction Class Exemption ("PTCE") 95-60), and the purchase
is being made in reliance upon the availability of the exemptive relief afforded
under Sections I and III of PTCE 95-60.
In addition, the Purchaser hereby certifies, represents and warrants to,
and covenants with, the Company, the Trustee and the Master Servicer that the
Purchaser will not transfer such Certificates to any Plan or person unless such
Plan or person meets the requirements set forth in either (a) or (b) above.
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
3 Park Plaza
Irvine, California 92714
Attention: Residential Funding Corporation Series 1998-QS_
Re: Mortgage Asset-Backed Pass-Through Certificates,
Series 1998-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
1998-QS_, Class M-__ (the "Certificates"), issued pursuant to the Pooling and
Servicing Agreement (the "Pooling and Servicing Agreement"), dated as of
February 1, 1998, 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 either:
The Purchaser is not an employee benefit or other plan subject to the
prohibited transaction provisions of the Employee Retirement Income
Security Act of 1974, as amended ("ERISA"), or Section 4975 of the
Internal Revenue Code of 1986, as amended (the "Code") (a "Plan"), or any
other person (including an investment manager, a named fiduciary or a
trustee of any Plan) acting, directly or indirectly, on behalf of or
purchasing
<PAGE>
any Certificate with "plan assets" of any Plan within the meaning of the
Department of Labor ("DOL") regulation at 29 C.F.R. ?2510.3-101; or
The Purchaser as 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 DOL Prohibited Transaction Class Exemption
("PTCE") 95-60), and the purchase is being made in reliance upon the
availability of the exemptive relief afforded under Sections I and III of
PTCE 95-60.
In addition, the Purchaser hereby certifies, represents and warrants to,
and covenants with, the Company, the Trustee and the Master Servicer that the
Purchaser will not transfer such Certificates to any Plan or person unless such
Plan or person meets the requirements set forth in either (a) or (b) above.
Very truly yours,
By:
Name:
Title:
J-2
<PAGE>
EXHIBIT K
FORM OF TRANSFEROR REPRESENTATION LETTER
________________ ____, 199__
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 1998-QS3
Re: Mortgage Asset-Backed Pass-Through Certificates,
Series 1998-QS3, [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 1998-QS3, Class _ _ (the "Certificates"), issued pursuant
to the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"),
dated as of February 1, 1998 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 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
<PAGE>
sell or otherwise transfer any of the Certificates, except in compliance
with the provisions of the Pooling and Servicing Agreement.
Very truly yours,
(Seller)
By:
Name:
Title:
K-2
<PAGE>
EXHIBIT L
[FORM OF RULE 144A INVESTMENT REPRESENTATION]
Description of Rule 144A Securities, including numbers:
The undersigned seller, as registered holder (the "Seller"), intends to
transfer the Rule 144A Securities described above to the undersigned buyer (the
"Buyer").
1. In connection with such transfer and in accordance with the agreements
pursuant to which the Rule 144A Securities were issued, the Seller hereby
certifies the following facts: Neither the Seller nor anyone acting on its
behalf has offered, transferred, pledged, sold or otherwise disposed of the Rule
144A Securities, any interest in the Rule 144A Securities or any other similar
security to, or solicited any offer to buy or accept a transfer, pledge or other
disposition of the Rule 144A Securities, any interest in the Rule 144A
Securities or any other similar security from, or otherwise approached or
negotiated with respect to the Rule 144A Securities, any interest in the Rule
144A Securities or any other similar security with, any person in any manner, or
made any general solicitation by means of general advertising or in any other
manner, or taken any other action, that would constitute a distribution of the
Rule 144A Securities under the Securities Act of 1933, as amended (the "1933
Act"), or that would render the disposition of the Rule 144A Securities a
violation of Section 5 of the 1933 Act or require registration pursuant thereto,
and that the Seller has not offered the Rule 144A Securities to any person other
than the Buyer or another "qualified institutional buyer" as defined in Rule
144A under the 1933 Act.
2. The Buyer warrants and represents to, and covenants with, the Seller,
the Trustee and the Master Servicer (as defined in the Pooling and Servicing
Agreement (the "Agreement"), dated as of February 1, 1998 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.
(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.
L-1
<PAGE>
(d) Neither the Buyer nor anyone acting on its behalf has offered,
transferred, pledged, sold or otherwise disposed of the Rule 144A
Securities, any interest in the Rule 144A Securities or any other similar
security to, or solicited any offer to buy or accept a transfer, pledge or
other disposition of the Rule 144A Securities, any interest in the Rule
144A Securities or any other similar security from, or otherwise
approached or negotiated with respect to the Rule 144A Securities, any
interest in the Rule 144A Securities or any other similar security with,
any person in any manner, or made any general solicitation by means of
general advertising or in any other manner, or taken any other action,
that would constitute a distribution of the Rule 144A Securities under the
1933 Act or that would render the disposition of the Rule 144A Securities
a violation of Section 5 of the 1933 Act or require registration pursuant
thereto, nor will it act, nor has it authorized or will it authorize any
person to act, in such manner with respect to the Rule 144A Securities.
(e) The Buyer is a "qualified institutional buyer" as that term is
defined in Rule 144A under the 1933 Act and has completed either of the
forms of certification to that effect attached hereto as Annex 1 or Annex
2. The Buyer is aware that the sale to it is being made in reliance on
Rule 144A. The Buyer is acquiring the Rule 144A Securities for its own
account or the accounts of other qualified institutional buyers,
understands that such Rule 144A Securities may be resold, pledged or
transferred only (i) to a person reasonably believed to be a qualified
institutional buyer that purchases for its own account or for the account
of a qualified institutional buyer to whom notice is given that the
resale, pledge or transfer is being made in reliance on Rule 144A, or (ii)
pursuant to another exemption from registration under the 1933 Act.
[3. The Buyer
(a) is not an employee benefit or other plan subject to the
prohibited transaction provisions of the Employee Retirement Income
Security Act of 1974, as amended ("ERISA"), or Section 4975 of the
Internal Revenue Code of 1986, as amended (the "Code") (a "Plan"), or any
other person (including an investment manager, a named fiduciary or a
trustee of any Plan) acting, directly or indirectly, on behalf of or
purchasing any Certificate with "plan assets" of any Plan within the
meaning of the Department of Labor ("DOL") regulation at 29 C.F.R. ss.
2510.3-101; 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 DOL Prohibited Transaction Class Exemption ("PTCE")
95-60), and the purchase is being made in reliance upon the availability
of the exemptive relief afforded under Sections I and III of PTCE 95-60.]
4. This document may be executed in one or more counterparts and by the
different parties hereto on separate counterparts, each of which, when so
executed, shall be deemed to be an original; such counterparts, together, shall
constitute one and the same document.
L-2
<PAGE>
IN WITNESS WHEREOF, each of the parties has executed this document as of
the date set forth below.
Print Name of Seller Print Name of Buyer
By: By:
Name: Name:
Title: Title:
Taxpayer Identification: Taxpayer Identification:
No. No.
Date: Date:
L-3
<PAGE>
ANNEX 1 TO EXHIBIT L
QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A
[For Buyers Other Than Registered Investment Companies]
The undersigned hereby certifies as follows in connection with the Rule
144A Investment Representation to which this Certification is attached:
1. As indicated below, the undersigned is the President, Chief Financial
Officer, Senior Vice President or other executive officer of the Buyer.
2. In connection with purchases by the Buyer, the Buyer is a "qualified
institutional buyer" as that term is defined in Rule 144A under the Securities
Act of 1933 ("Rule 144A") because (i) the Buyer owned and/or invested on a
discretionary basis $______________________ in securities (except for the
excluded securities referred to below) as of the end of the Buyer's most recent
fiscal year (such amount being calculated in accordance with Rule 144A) and (ii)
the Buyer satisfies the criteria in the category marked below.
___ Corporation, etc. The Buyer is a corporation (other than a bank,
savings and loan association or similar institution), Massachusetts
or similar business trust, partnership, or charitable organization
described in Section 501(c)(3) of the Internal Revenue Code.
___ Bank. The Buyer (a) is a national bank or banking institution
organized under the laws of any State, territory or the District of
Columbia, the business of which is substantially confined to banking
and is supervised by the State or territorial banking commission or
similar official or is a foreign bank or equivalent institution, and
(b) has an audited net worth of at least $25,000,000 as demonstrated
in its latest annual financial statements, a copy of which is
attached hereto.
___ 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
L-4
<PAGE>
District of Columbia.
___ State or Local Plan. The Buyer is a plan established and maintained by
a State, its political subdivisions, or any agency or instrumentality
of the State or its political subdivisions, for the benefit of its
employees.
___ ERISA Plan. The Buyer is an employee benefit plan within the meaning
of Title I of the Employee Retirement Income Security Act of 1974.
___ Investment Adviser. The Buyer is an investment adviser registered
under the Investment Advisers Act of 1940.
___ SBIC. The Buyer is a Small Business Investment Company licensed by the
U.S. Small Business Administration under Section 301(c) or (d) of the
Small Business Investment Act of 1958.
___ Business Development Company. The Buyer is a business development
company as defined in Section 202(a)(22) of the Investment Advisers
Act of 1940.
___ Trust Fund. The Buyer is a trust fund whose trustee is a bank or
trust company and whose participants are exclusively (a) plans
established and maintained by a State, its political subdivisions, or
any agency or instrumentality of the State or its political
subdivisions, for the benefit of its employees, or (b) employee
benefit plans within the meaning of Title I of the Employee
Retirement Income Security Act of 1974, but is not a trust fund that
includes as participants individual retirement accounts or H.R. 10
plans.
3. The term "securities" as used herein does not include (i) securities of
issuers that are affiliated with the Buyer, (ii) securities that are part of an
unsold allotment to or subscription by the Buyer, if the Buyer is a dealer,
(iii) bank deposit notes and certificates of deposit, (iv) loan participations,
(v) repurchase agreements, (vi) securities owned but subject to a repurchase
agreement and (vii) currency, interest rate and commodity swaps.
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
L-5
<PAGE>
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 Securities only for the
Yes No Buyer's own account?
6. If the answer to the foregoing question is "no", the Buyer agrees that,
in connection with any purchase of securities sold to the Buyer for the account
of a third party (including any separate account) in reliance on Rule 144A, the
Buyer will only purchase for the account of a third party that at the time is a
"qualified institutional buyer" within the meaning of Rule 144A. In addition,
the Buyer agrees that the Buyer will not purchase securities for a third party
unless the Buyer has obtained a current representation letter from such third
party or taken other appropriate steps contemplated by Rule 144A to conclude
that such third party independently meets the definition of "qualified
institutional buyer" set forth in Rule 144A.
7. The Buyer will notify each of the parties to which this certification is
made of any changes in the information and conclusions herein. Until such notice
is given, the Buyer's purchase of Rule 144A Securities will constitute a
reaffirmation of this certification as of the date of such purchase.
Print Name of Buyer
By:
Name:
Title:
Date:
L-6
<PAGE>
ANNEX 2 TO EXHIBIT L
QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A
[For Buyers That Are Registered Investment Companies]
The undersigned hereby certifies as follows in connection with the Rule
144A Investment Representation to which this Certification is attached:
1. As indicated below, the undersigned is the President, Chief Financial
Officer or Senior Vice President of the Buyer or, if the Buyer is a "qualified
institutional buyer" as that term is defined in Rule 144A under the Securities
Act of 1933 ("Rule 144A") because Buyer is part of a Family of Investment
Companies (as defined below), is such an officer of the Adviser.
2. In connection with purchases by Buyer, the Buyer is a "qualified
institutional buyer" as defined in SEC Rule 144A because (i) the Buyer is an
investment company registered under the Investment Company Act of 1940, and (ii)
as marked below, the Buyer alone, or the Buyer's Family of Investment Companies,
owned at least $100,000,000 in securities (other than the excluded securities
referred to below) as of the end of the Buyer's most recent fiscal year. For
purposes of determining the amount of securities owned by the Buyer or the
Buyer's Family of Investment Companies, the cost of such securities was used.
____ The Buyer owned $___________________ in securities (other than the
excluded securities referred to below) as of the end of the Buyer's
most recent fiscal year (such amount being calculated in accordance
with Rule 144A).
____ The Buyer is part of a Family of Investment Companies which owned in
the aggregate $______________ in securities (other than the excluded
securities referred to below) as of the end of the Buyer's most
recent fiscal year (such amount being calculated in accordance with
Rule 144A).
3. The term "_Family of Investment Companies_" as used herein means two or
more registered investment companies (or series thereof) that have the same
investment adviser or investment advisers that are affiliated (by virtue of
being majority owned subsidiaries of the same parent or because one investment
adviser is a majority owned subsidiary of the other).
4. The term "securities" as used herein does not include (i) securities of
issuers that are affiliated with the Buyer or are part of the Buyer's Family of
Investment Companies, (ii) bank deposit notes and certificates of deposit, (iii)
loan participations, (iv) repurchase agreements, (v) securities owned but
subject to a repurchase agreement and (vi) currency, interest rate and commodity
swaps.
5. The Buyer is familiar with Rule 144A and understands that each of the
parties to which this certification is made are relying and will continue to
rely on the statements made herein because one or more sales to the Buyer will
be in reliance on Rule 144A. In addition, the Buyer will only purchase
L-7
<PAGE>
for the Buyer's own account.
6. The undersigned will notify each of the parties to which this
certification is made of any changes in the information and conclusions herein.
Until such notice, the Buyer's purchase of Rule 144A Securities will constitute
a reaffirmation of this certification by the undersigned as of the date of such
purchase.
Print Name of Buyer
By:
Name:
Title:
IF AN ADVISER:
Print Name of Buyer
Date:
L-8
<PAGE>
EXHIBIT M
[TEXT OF AMENDMENT TO POOLING AND SERVICING
AGREEMENT PURSUANT TO SECTION 11.01(E)
FOR A LIMITED GUARANTY]
ARTICLE XII
Subordinate Certificate Loss Coverage; Limited Guaranty
Section 12.01. Subordinate Certificate Loss Coverage; Limited Guaranty.
(a)Subject to subsection (c) below, prior to the later of the third Business Day
prior to each Distribution Date or the related Determination Date, the Master
Servicer shall determine whether it or any Subservicer will be entitled to any
reimbursement pursuant to Section 4.02(a) on such Distribution Date for Advances
or Subservicer Advances previously made, (which will not be Advances or
Subservicer Advances that were made with respect to delinquencies which were
subsequently determined to be Excess Special Hazard Losses, Excess Fraud Losses,
Excess Bankruptcy Losses or Extraordinary Losses) and, if so, the Master
Servicer shall demand payment from Residential Funding of an amount equal to the
amount of any Advances or Subservicer Advances reimbursed pursuant to Section
4.02(a), to the extent such Advances or Subservicer Advances have not been
included in the amount of the Realized Loss in the related Mortgage Loan, and
shall distribute the same to the Class B Certificateholders in the same manner
as if such amount were to be distributed pursuant to Section 4.02(a).
(b) Subject to subsection (c) below, prior to the later of the third
Business Day prior to each Distribution Date or the related Determination Date,
the Master Servicer shall determine whether any Realized Losses (other than
Excess Special Hazard Losses, Excess Bankruptcy Losses, Excess Fraud Losses and
Extraordinary Losses) will be allocated to the Class B Certificates on such
Distribution Date pursuant to Section 4.05, and, if so, the Master Servicer
shall demand payment from Residential Funding of the amount of such Realized
Loss and shall distribute the same to the Class B Certificateholders in the same
manner as if such amount were to be distributed pursuant to Section 4.02(a);
provided, however, that the amount of such demand in respect of any Distribution
Date shall in no event be greater than the sum of (i) the additional amount of
Accrued Certificate Interest that would have been paid for the Class B
Certificateholders on such Distribution Date had such Realized Loss or Losses
not occurred plus (ii) the amount of the reduction in the Certificate Principal
Balances of the Class B Certificates on such Distribution Date due to such
Realized Loss or Losses. Notwithstanding such payment, such Realized Losses
shall be deemed to have been borne by the Certificateholders for purposes of
Section 4.05. Excess Special Hazard Losses, Excess Fraud Losses, Excess
Bankruptcy Losses and Extraordinary Losses allocated to the Class B Certificates
will not be covered by the Subordinate Certificate Loss Obligation.
(c) Demands for payments pursuant to this Section shall be made prior to
the later of the third Business Day prior to each Distribution Date or the
related Determination Date by the Master Servicer with written notice thereof to
the Trustee. The maximum amount that Residential Funding
<PAGE>
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 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
M-2
<PAGE>
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 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.
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<PAGE>
EXHIBIT N
[FORM OF LIMITED GUARANTY]
LIMITED GUARANTY
RESIDENTIAL ACCREDIT LOANS, INC.
Mortgage Asset-Backed Pass-Through Certificates
Series 1998-QS3
________________ ____, 199__
Bankers Trust Company
3 Park Plaza
Irvine, California 92714
Attention: Residential Accredit Loans, Inc., Series 1998-QS3
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 February 1, 1998 (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 1998-QS3 (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. (i) 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 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.
<PAGE>
(ii) 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.
Successor. Except as otherwise expressly provided herein, the guarantee
herein set forth shall be binding upon GMAC and its respective successors.
Governing Law. This Limited Guaranty shall be governed by the laws of the
State of New York.
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.
Definitions. Capitalized terms used but not otherwise defined herein shall
have the meaning given them in the Servicing Agreement.
Counterparts. This Limited Guaranty may be executed in any number of
counterparts, each of which shall be deemed to be an original and such
counterparts shall constitute but one and the same instrument.
N-2
<PAGE>
IN WITNESS WHEREOF, GMAC has caused this Limited Guaranty to be executed
and delivered by its respective officers thereunto duly authorized as of the day
and year first above written.
GENERAL MOTORS ACCEPTANCE
CORPORATION
By:
Name:
Title:
Acknowledged by:
BANKERS TRUST COMPANY,
as Trustee
By:
Name:
Title:
RESIDENTIAL ACCREDIT LOANS, INC.
By:
Name:
Title:
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<PAGE>
EXHIBIT O
FORM OF LENDER CERTIFICATION FOR ASSIGNMENT OF MORTGAGE LOAN
________________ ____, 199__
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 1998-QS3
Re: Mortgage Asset-Backed Pass-Through Certificates,
Series 1998-QS3 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
February 1, 1998 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 uch 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
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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.
Very truly yours,
(Lender)
By:
Name:
Title:
O-2
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EXHIBIT P
SCHEDULE OF DISCOUNT FRACTIONS
[Reserved]
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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 1998-QS3
Residential Funding Corporation, as the Holder of a ___% Percentage
Interest of the Class A- 3[-1] Certificates, hereby requests the Trustee to
exchange the above-referenced Certificates for the Subclasses referred to below:
1. Class A-3-_ 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-3-_ 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-3[-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 February 1, 1998,
among Residential Accredit Loans, Inc., Residential Funding Corporation and
Bankers Trust Company, as trustee.
RESIDENTIAL FUNDING CORPORATION
By:
Name:
Title:
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EXHIBITS
Exhibit A: Form of Class A Certificate
Exhibit B: Form of Class M Certificate
Exhibit C: Form of Class B Certificate
Exhibit D: Form of Class R Certificate
Exhibit E: Form of Custodial Agreement
Exhibit F: Mortgage Loan Schedule
Exhibit G: Form of Seller/Servicer Contract
Exhibit H: Forms of Request for Release
Exhibit I-1: Form of Transfer Affidavit and Agreement
Exhibit I-2: Form of Transferor Certificate
Exhibit J-1: Form of Investor Representation Letter
Exhibit J-2: Form of ERISA Representation Letter
Exhibit K: Form of Transferor Representation Letter
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: [Reserved]
Exhibit Q: Request for Exchange Form
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TABLE OF CONTENTS
Page
Article I DEFINITIONS.............................................3
Section 1.01. Definitions...................................3
Article II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF
CERTIFICATES..........................................35
Section 2.01. Conveyance of Mortgage Loans.................35
Section 2.02. Acceptance by Trustee........................39
Section 2.03. Representations, Warranties and Covenants of the Master
Servicer and the Company..................................41
Section 2.04. Representations and Warranties of Sellers....45
Section 2.05. Execution and Authentication of Certificates.46
Article III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS.......48
Section 3.01. Master Servicer to Act as Servicer...........48
Section 3.02. Subservicing Agreements Between Master Servicer and
Subservicers; Enforcement of Subservicers' and Sellers'
Obligations......................................49
Section 3.03. Successor Subservicers.......................50
Section 3.04. Liability of the Master Servicer.............50
Section 3.05. No Contractual Relationship Between Subservicer and Trustee
or Certificateholders...............................50
Section 3.06. Assumption or Termination of Subservicing Agreements by
Trustee..........................................51
Section 3.07. Collection of Certain Mortgage Loan Payments; Deposits to
Custodial Account................................51
Section 3.08. Subservicing Accounts; Servicing Accounts....54
Section 3.09. Access to Certain Documentation and Information Regarding the
Mortgage Loans...................................55
Section 3.10. Permitted Withdrawals from the Custodial Account.55
Section 3.11. Maintenance of the Primary Insurance Policies; Collections
Thereunder.......................................57
Section 3.12. Maintenance of Fire Insurance and Omissions and Fidelity
Coverage.........................................58
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TABLE OF CONTENTS
(continued)
Page
Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and
Modification Agreements; Certain Assignments.....59
Section 3.14. Realization Upon Defaulted Mortgage Loans....61
Section 3.15. Trustee to Cooperate; Release of Mortgage Files.64
Section 3.16. Servicing and Other Compensation; Compensating Interest.65
Section 3.17. Reports to the Trustee and the Company.......66
Section 3.18. Annual Statement as to Compliance............66
Section 3.19. Annual Independent Public Accountants' Servicing Report.67
Section 3.20. Rights of the Company in Respect of the Master Servicer.67
Section 3.21. Administration of Buydown Funds..............67
Article IV PAYMENTS TO CERTIFICATEHOLDERS........................69
Section 4.01. Certificate Account..........................69
Section 4.02. Distributions................................69
Section 4.03. Statements to Certificateholders.............76
Section 4.04. Distribution of Reports to the Trustee and the Company;
Advances by the Master Servicer...........................78
Section 4.05. Allocation of Realized Losses................80
Section 4.06.
Reports of Foreclosures and Abandonment of Mortgaged Property.81
Section 4.07. Optional Purchase of Defaulted Mortgage Loans.81
Section 4.08. Surety Bond..................................81
Article V THE CERTIFICATES.......................................83
Section 5.01. The Certificates.............................83
Section 5.02. Registration of Transfer and Exchange of Certificates.85
Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates.90
Section 5.04. Persons Deemed Owners........................90
Section 5.05. Appointment of Paying Agent..................90
Section 5.06. Optional Purchase of Certificates............91
Article VI THE COMPANY AND THE MASTER SERVICER...................93
Section 6.01. Respective Liabilities of the Company and the Master
Servicer.93
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TABLE OF CONTENTS
(continued)
Page
Section 6.02. Merger or Consolidation of the Company or the Master
Servicer; Assignment of Rights and Delegation of Duties by Master
Servicer.........................................93
Section 6.03. Limitation on Liability of the Company, the Master Servicer
and Others...........................................94
Section 6.04. Company and Master Servicer Not to Resign....95
Article VII DEFAULT..............................................96
Section 7.01. Events of Default............................96
Section 7.02. Trustee or Company to Act; Appointment of Successor.98
Section 7.03. Notification to Certificateholders...........98
Section 7.04. Waiver of Events of Default..................99
Article VIII CONCERNING THE TRUSTEE.............................100
Section 8.01. Duties of Trustee...........................100
Section 8.02. Certain Matters Affecting the Trustee.......101
Section 8.03. Trustee Not Liable for Certificates or Mortgage Loans.103
Section 8.04. Trustee May Own Certificates................103
Section 8.05. Eligibility Requirements for Trustee........104
Section 8.06. Resignation and Removal of the Trustee......105
Section 8.07. Successor Trustee...........................105
Section 8.08. Merger or Consolidation of Trustee..........106
Section 8.09. Appointment of Co-Trustee or Separate Trustee.106
Section 8.10. Appointment of Custodians...................107
Section 8.11. Appointment of Office or Agency.............108
Article IX TERMINATION..........................................109
Section 9.01. Termination Upon Purchase by the Master Servicer or the
Company or Liquidation of All Mortgage Loans....109
Section 9.02. Additional Termination Requirements.........111
Article X REMIC PROVISIONS......................................113
Section 10.01. REMIC Administration.......................113
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TABLE OF CONTENTS
(continued)
Page
Section 10.02. Master Servicer, REMIC Administrator and Trustee
Indemnification.................................116
Article XI MISCELLANEOUS PROVISIONS.............................117
Section 11.01. Amendment..................................117
Section 11.02. Recordation of Agreement; Counterparts.....119
Section 11.03. Limitation on Rights of Certificateholders.120
Section 11.04. Governing Law..............................120
Section 11.05. Notices....................................120
Section 11.06. Notices to Rating Agency...................121
Section 11.07. Severability of Provisions.................122
Section 11.08. Supplemental Provisions for Resecuritization.122
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