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) January 1, 2000
RESIDENTIAL ACCREDIT LOANS, INC. (as company under a Pooling and Servicing
Agreement dated as of January 1, 2000 providing for, inter alia, the issuance of
Mortgage Asset-Backed Pass-Through Certificates, Series 2000-QS1)
RESIDENTIAL ACCREDIT LOANS, INC.
(EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)
DELAWARE 333-72661 51-0368240
(STATE OR OTHER JURISDICTION (COMMISSION) (I.R.S. EMPLOYER
OF INCORPORATION) FILE NUMBER) IDENTIFICATION NO.)
8400 NORMANDALE LAKE BLVD., SUITE 600, MINNEAPOLIS, MN
55437 (ADDRESS OF PRINCIPAL EXECUTIVE OFFICES) (ZIP
CODE)
Registrant's telephone number, including area code (612) 832-7000
(FORMER NAME OR FORMER ADDRESS, IF CHANGED SINCE LAST REPORT)
Exhibit Index located on Page 2
<PAGE>
Items 1 through 6 and Item 8 are not included because they are not applicable.
ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS.
(a) Not applicable
(b) Not applicable
(c) Exhibits (executed copies): The following execution copies of
Exhibits to the Form S-3 Registration Statement of the Registrant are hereby
filed:
Sequentially
Exhibit Numbered
NUMBER EXHIBIT PAGE
10.1 Series Supplement, dated as of January 1, 2000, and the Standard Terms of
Pooling and Servicing Agreement, dated as of December 1, 1999, among Residential
Accredit Loans, Inc., as company, Residential Funding Corporation, as master
servicer, and Bankers Trust Company, as trustee.
<PAGE>
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of
1934, the registrant has duly caused this report to be signed on its behalf by
the undersigned thereunto duly authorized.
RESIDENTIAL ACCREDIT LOANS, INC.
By:_____________________
Name: Timothy Pillar
Title: Vice President
Dated: January 31, 2000
<PAGE>
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of
1934, the registrant has duly caused this report to be signed on its behalf by
the undersigned thereunto duly authorized.
RESIDENTIAL ACCREDIT LOANS, INC.
BY: /S/ TIMOTHY PILLAR
Name: Timothy Pillar
Title: Vice President
Dated: January 31, 2000
<PAGE>
EXHIBIT 10.1
Series Supplement, dated as of January 1, 2000, and the Standard
Terms of Pooling and Servicing Agreement, dated as of December 1, 1999, among
Residential Accredit Loans, Inc., as company, Residential Funding Corporation,
as master servicer, and Bankers Trust Company, as trustee.
<PAGE>
EXECUTION COPY
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RESIDENTIAL ACCREDIT LOANS, INC.,
Company,
RESIDENTIAL FUNDING CORPORATION,
Master Servicer,
and
BANKERS TRUST COMPANY,
Trustee
SERIES SUPPLEMENT,
DATED AS OF JANUARY 1, 2000,
TO
STANDARD TERMS OF
POOLING AND SERVICING AGREEMENT
dated as of December 1, 1999
Mortgage Asset-Backed Pass-Through Certificates
Series 2000-QS1
==============================================================================
<PAGE>
<TABLE>
<CAPTION>
<S> <C>
ARTICLE I DEFINITIONS...............................................................3
Section 1.01.Definitions............................................................3
Section 1.02.Use of Words and Phrases..............................................11
ARTICLE II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES..........12
Section 2.01.Conveyance of Mortgage Loans. (See Section 2.01 of the Standard
Terms).................................................................12
Section 2.02.Acceptance by Trustee. (See Section 2.02 of the Standard Terms)......12
Section 2.03.Representations, Warranties and Covenants of the Master Servicer and
the Company ..........................................................12
Section 2.04.Representations and Warranties of Sellers. (See Section 2.04 of
the Standard Terms) ...................................................15
Section 2.05.Execution and Authentication of Certificates. ........................15
ARTICLE III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS...........................16
ARTICLE IV PAYMENTS TO CERTIFICATEHOLDERS...........................................17
Section 4.01.Certificate Account. (See Section 4.01 of the Standard Terms) .......17
Section 4.02.Distributions ........................................................17
Section 4.03.Statements to Certificateholders. (See Section 4.03 of the
Standard Terms and Exhibit Three attached hereto)......................26
Section 4.04.Distribution of Reports to the Trustee and the Company; Advances
by the Master Servicer (See Section 4.04 of the Standard Terms)........26
Section 4.05.allocation of Realized Losses ........................................26
Section 4.06.Reports of Foreclosures and Abandonment of Mortgaged Property.
(See Section 4.06 of the Standard Terms)...............................27
Section 4.07.Optional Purchase of Defaulted Mortgage Loans.
(See Section 4.07 of the Standard Terms) ..............................27
Section 4.08.Surety Bond. (See Section 4.08 of the Standard Terms) ................27
ARTICLE V THE CERTIFICATES.........................................................28
ARTICLE VI THE COMPANY AND THE MASTER SERVICER......................................29
ARTICLE VII DEFAULT..................................................................30
ARTICLE VIII CONCERNING THE TRUSTEE...................................................31
ARTICLE IX TERMINATION..............................................................32
ARTICLE X REMIC PROVISIONS.........................................................33
Section 10.01.REMIC Administration. (See Section 10.01 of the Standard Terms).....33
Section 10.02.Master Servicer; REMIC Administrator and Trustee
Indemnification. (See Section 10.02 of the Standard Terms)............33
Section 10.03.Designation of REMIC.................................................33
Section 10.04.Compliance with Withholding Requirements.............................33
ARTICLE XI MISCELLANEOUS PROVISIONS.................................................34
Section 11.01.Amendment. (See Section 11.01 of the Standard Terms)................34
Section 11.02.Recordation of Agreement; Counterparts. (See Section 11.02
of the Standard Terms).................................................34
Section 11.03.Limitation on Rights of Certificateholders. (See Section 11.03
of the Standard Terms).................................................34
Section 11.04.Governing Laws. (See Section 11.04 of the Standard Terms)...........34
Section 11.05.Notices..............................................................34
Section 11.06.Required Notices to Rating Agency and Subservicer.
(See Section 11.06 of the Standard Terms)..............................35
Section 11.07.Severability of Provisions. (See Section 11.07 of the Standard
Terms).................................................................35
Section 11.08.Supplemental Provisions for Resecuritization.
(See Section 11.08 of the Standard Terms)..............................35
Section 11.09.Allocation of Voting Rights..........................................35
</TABLE>
<PAGE>
EXHIBITS
Exhibit One: Mortgage Loan Schedule
Exhibit Two: Schedule of Discount Fractions
Exhibit Three: Information to be Included in
Monthly Distribution Date Statement
Exhibit Four: Standard Terms of Pooling and Servicing
Agreement Dated as of December 1, 1999
<PAGE>
This is a Series Supplement, dated as of January 1, 2000 (the "Series
Supplement"), to the Standard Terms of Pooling and Servicing Agreement, dated as
of December 1, 1999 and attached as Exhibit Four hereto (the "Standard Terms"
and, together with this Series Supplement, the "Pooling and Servicing Agreement"
or "Agreement"), 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 asset-backed 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 provided herein, the REMIC
Administrator will make an election to treat the entire segregated pool of
assets described in the definition of Trust Fund, and subject to this Agreement
(including the Mortgage Loans but excluding the Initial Monthly Payment Fund),
as one or more real estate mortgage investment conduits (each, a "REMIC") for
federal income tax purposes.
The terms and provisions of the Standard Terms are hereby incorporated
by reference herein as though set forth in full herein. If any term or provision
contained herein shall conflict with or be inconsistent with any provision
contained in the Standard Terms, the terms and provisions of this Series
Supplement shall govern. All capitalized terms not otherwise defined herein
shall have the meanings set forth in the Standard Terms. The Pooling and
Servicing Agreement shall be dated as of the date of the Series Supplement.
<PAGE>
The following table sets forth the designation, type, Pass-Through Rate,
aggregate Initial Certificate Principal Balance, Maturity Date, initial ratings
and certain features for each Class of Certificates comprising the interests in
the Trust Fund created hereunder.
<TABLE>
<CAPTION>
AGGREGATE
INITIAL STANDARD &
CERTIFICATE POOR'S/
PASS-THROUGH PRINCIPAL MATURITY MINIMUM
DESIGNATION RATE BALANCE FEATURES1 DATE DCR DENOMINATIONS2
<S> <C> <C> <C> <C> <C> <C>
Class CB 7.75% $130,396,000.00 Senior January 25, 2030 AAA/AAA $25,000.00
Class NB-1 7.75% $ 58,661,000.00 Senior January 25, 2030 AAA/AAA $25,000.00
Class NB-2 7.75% $ 4,186,000.00 Senior/Retail January 25, 2030 AAA/AAA $1,000.00
Class NB-3 7.75% $ 6,983,000.00 Senior/Lockout January 25, 2030 AAA/AAA $25,000.00
Class A-P 0.00% $496,620.41 Principal January 25, 2030 AAAr/AAA $25,000.00
Only/Senior
CLASS A-V VARIABLE $0.00 VARIABLE JANUARY 25, 2030 AAAR/AAA 4
RATE3 Strip/Senior
CLASS R 7.75% $100.00 RESIDUAL/SENIORJANUARY 25, 2030 AAA/AAA 5
Class M-1 7.75% $ 9,273,000.00 Mezzanine January 25, 2030 NA/AA $25,000.00
Class M-2 7.75% $ 3,273,000.00 Mezzanine January 25, 2030 NA/A $250,000.00
Class M-3 7.75% $ 2,073,000.00 Mezzanine January 25, 2030 NA/BBB $250,000.00
Class B-1 7.75% $ 1,309,100.00 Subordinate January 25, 2030 NA/BB $250,000.00
Class B-2 7.75% $ 654,500.00 Subordinate January 25, 2030 NA/B $250,000.00
Class B-3 7.75% $ 872,717.76 Subordinate January 25, 2030 NA/NA $250,000.00
</TABLE>
The Mortgage Loans have an aggregate principal balance as of the Cut-off
Date of $218,178,038.17.
In consideration of the mutual agreements herein contained, the Company,
the Master Servicer and the Trustee agree as follows:
________________________
1 The Certificates, other than the Class A-P, Class A-V, Class B and Class R
Certificates shall be Book-Entry Certificates. The Class A-P, Class A-V,
Class B and Class R Certificates shall be delivered to the holders thereof
in physical form.
2 The Certificates, other than the Class A-V and Class R Certificates, shall
be issuable in minimum dollar denominations as indicated above (by
Certificate Principal Balance or Notional Amount, as applicable) and
integral multiples of $1 (or $1,000 in the case of the Class A-P, Class
B-1, Class B-2 and Class B-3 Certificates) in excess thereof, except that
one Certificate of any of the Class A-P and Class B-1, Class B-2 and Class
B-3 Certificates that contain an uneven multiple of $1,000 shall be issued
in a denomination equal to the sum of the related minimum denomination set
forth above and such uneven multiple for such Class or the sum of such
denomination and an integral multiple of $1,000.
3 The Initial Pass-Through Rate on the Class A-V Certificates is 0.6587%. The
Class A-V Certificates relate to both the Group CB Loans and Group NB
Loans.
4 The Class A-V Certificates shall be issuable in minimum denominations of
not less than a 20% Percentage Interest.
5 The Class R 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%.
<PAGE>
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.
ACCRETION TERMINATION DATE: None.
ACCRUAL CERTIFICATES: None.
BANKRUPTCY AMOUNT: As of any date of determination prior to the first
anniversary of the Cut-off Date, an amount equal to the excess, if any, of (A)
$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 of
this Series Supplement. 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 Cut-off Date coinciding with or preceding such
date of determination (or, if such date of determination is an
anniversary of the Cut-off Date, the Business Day immediately preceding
such date of determination) (for purposes of this definition, the
"Relevant Anniversary") and (b) the greater of
(A) 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 (other than Additional Collateral
Loans) 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 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.
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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.
CB LOAN GROUP: The group of Mortgage Loans comprised of the Group CB Loans.
CERTIFICATE: Any Class CB, Class NB-1, Class NB-2, Class NB-3, Class A-P,
Class A-V, Class M, Class B or Class R Certificate.
CERTIFICATE ACCOUNT: The separate account or accounts created and
maintained pursuant to Section 4.01 of the Standard Terms, 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 2000-QS1" and which must be an Eligible Account.
CERTIFICATE POLICY: None.
CLASS CB CERTIFICATE: Any one of the Class CB Certificates, executed by
the Trustee and authenticated by the Certificate Registrar substantially in the
form annexed to the Standard Terms as Exhibit A, which Certificates relate to
the Group CB Loans.
CLASS CB 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 CB Certificates immediately prior to
such Distribution Date and the denominator of which is the aggregate Stated
Principal Balance of all of the Mortgage Loans (or related REO Properties)
(other than the related Discount Fraction of each Discount Mortgage Loan) in the
CB Loan Group immediately prior to such Distribution Date.
CLASS CB PRINCIPAL DISTRIBUTION AMOUNT: As to any Distribution Date, the
lesser of (a) the balance of the Available Distribution Amount related to the CB
Loan Group remaining after the distribution of all amounts required to be
distributed pursuant to Section 4.02(a)(i)(X) and after the distribution of the
portion of the amounts required to be distributed therefrom pursuant to Section
4.02(a)(i)(Z) and after the distribution of the amount required to be
distributed to the Class A-P Certificateholders pursuant to Section
4.02(a)(ii)(X) or, after the Credit Support Depletion Date, the amount required
to be distributed to the Class A-P Certificateholders pursuant to Section
4.02(d), and (b) the sum of the amounts required to be distributed therefrom to
the Class CB Certificateholders on such Distribution Date pursuant to and
Section 4.02(a)(ii)(Y) and (Z), and Section 4.02(a)(xvii) and (xviii).
CLASS NB CERTIFICATE: Any one of the Class NB-1, Class NB-2 or Class
NB-3 Certificates, executed by the Trustee and authenticated by the Certificate
Registrar substantially in the form annexed to the Standard Terms as Exhibit A,
which Certificates relate to the Group NB Loans.
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<PAGE>
CLASS NB 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 NB-1, Class NB-2 and Class NB-3
Certificates and Class R Certificates immediately prior to such Distribution
Date and the denominator of which is the aggregate Stated Principal Balance of
all of the Mortgage Loans (or related REO Properties) (other than the related
Discount Fraction of each Discount Mortgage Loan) in the NB Loan Group
immediately prior to such Distribution Date.
CLASS NB PRINCIPAL DISTRIBUTION AMOUNT: As to any Distribution Date, the
lesser of (a) the balance of the Available Distribution Amount related to the NB
Loan Group remaining after the distribution of all amounts required to be
distributed pursuant to Section 4.02(a)(i)(Y) and after the distribution of the
portion of the amounts required to be distributed therefrom pursuant to Section
4.02(a)(i)(Z) and after the distribution of the amount required to be
distributed to the Class A-P Certificateholders pursuant to Section
4.02(a)(ii)(X) or, after the Credit Support Depletion Date, the amount required
to be distributed to the Class A-P Certificateholders pursuant to Section
4.02(d), and (b) the sum of the amounts required to be distributed therefrom to
the Class NB Certificateholders and Class R Certificateholders on such
Distribution Date pursuant to and Section 4.02(a)(ii)(Y) and (Z), and Section
4.02(a)(xvii) and (xviii).
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 to the Standard Terms as Exhibit D and evidencing an interest designated
as a "residual interest" in the REMIC for purposes of the REMIC Provisions.
CLOSING DATE: January 31, 2000.
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 1761 East St. Andrew Place, Santa Ana, California
92705-4934, Attention: Residential Funding Corporation Series 2000-QS1.
CUT-OFF DATE: January 1, 2000.
DISCOUNT NET MORTGAGE RATE: 7.75% per annum.
DUE PERIOD: With respect to each Distribution Date and any Mortgage
Loan, the period commencing on the second day of the month prior to the month in
which such Distribution Date occurs and ending on the first day of the month in
which such Distribution Date occurs.
ELIGIBLE FUNDS: On any Distribution Date, the portion, if any, of the
Available Distribution Amount remaining after reduction by the sum of (i) the
aggregate amount of Accrued Certificate Interest on the Senior Certificates,
(ii) the Senior Principal Distribution Amount (determined without regard to
Section 4.02(a)(ii)(Y)(D) hereof), (iii) the Class A-P Principal Distribution
Amount (determined without regard to Section 4.02(b)(i)(E) hereof) and (iv) the
aggregate amount of Accrued Certificate Interest on the Class M, Class B-1 and
Class B-2 Certificates.
-5-
<PAGE>
FRAUD LOSS AMOUNT: As of any date of determination after the Cut-off
Date, an amount equal to: (X) prior to the first anniversary of the Cut-off Date
an amount equal to 2.00% of the aggregate outstanding principal balance of all
of the Mortgage Loans as of the Cut-off Date minus the aggregate amount of Fraud
Losses allocated solely to one or more specific Classes of Certificates in
accordance with Section 4.05 of this Series Supplement since the Cut-off Date up
to such date of determination and (Y) from the first to the fifth anniversary of
the Cut-off Date, an amount equal to (1) the lesser of (a) the Fraud Loss Amount
as of the most recent anniversary of the Cut-off Date and (b) 1.00% of the
aggregate outstanding principal balance of all of the Mortgage Loans as of the
most recent anniversary of the Cut-off Date minus (2) the 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.
GROUP CB LOANS: The Mortgage Loans designated on the Mortgage Loan Schedule
as Group CB Loans.
GROUP NB LOANS: The Mortgage Loans designated on the Mortgage Loan Schedule
as Group NB Loans.
INITIAL MONTHLY PAYMENT FUND: $23,014, representing scheduled principal
amortization and interest at the Net Mortgage Rate during the Due Period ending
on February 1, 2000, for those Mortgage Loans for which the Trustee will not be
entitled to receive such payment.
INITIAL NOTIONAL AMOUNT: With respect to the Class A-V Certificates or
Subclass thereof issued pursuant to Section 5.01(c), the aggregate Cut-off Date
Principal Balance of the Mortgage Loans corresponding to the Uncertificated
Class A-V REMIC Regular Interests represented by such Class or Subclass on such
date.
INITIAL SUBORDINATE CLASS PERCENTAGE: With respect to each Class of
Subordinate Certificates, an amount which is equal to the initial aggregate
Certificate Principal Balance of the such Class of Subordinate Certificates
divided by the aggregate Stated Principal Balance of all the Mortgage Loans as
of the Cut-off Date as follows:
Class M-1: 4.25% Class B-1: 0.60%
Class M-2: 1.50% Class B-2: 0.30%
Class M-3: 0.95% Class B-3: 0.40%
INTEREST ACCRUAL PERIOD: With respect to any Certificates and any
Distribution Date, the calendar month preceding the month in which such
Distribution Date occurs.
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<PAGE>
INTEREST ONLY CERTIFICATES: Any one of the Class A-V Certificates. The
Interest Only Certificates will have no Certificate Principal Balance.
LOAN GROUP: Either or both of the CB Loan Group or the NB Loan Group.
LOCKOUT PERCENTAGE: For any Distribution Date occurring prior to the
Distribution Date in February 2005 will be 0%, and for any Distribution Date
thereafter will be as follows: 30% for any Distribution Date on or after
February 2005 and prior to February 2006; 40% for any Distribution Date on or
after February 2006 and prior to February 2007; 60% for any Distribution Date on
or after February 2007 and prior to February 2008; 80% for any Distribution Date
on or after February 2008 and prior to February 2009; and 100% for any
Distribution Date thereafter.
MATURITY DATE: January 25, 2030, the Distribution Date immediately
following the latest scheduled maturity date of any Mortgage Loan.
MORTGAGE LOAN SCHEDULE: The list or lists of the Mortgage Loans attached
hereto as Exhibit One (as amended from time to time to reflect the addition of
Qualified Substitute Mortgage Loans), which list or lists shall set forth the
following information as to each Mortgage Loan:
(i) the Mortgage Loan identifying number ("RFC LOAN #");
(ii) the street address of the Mortgaged Property (or, with respect
to a Cooperative Loan, the related Cooperative Apartment)
including state and zip code ("ADDRESS");
(iii) the maturity of the Mortgage Note ("MATURITY DATE");
(iv) the Mortgage Rate ("ORIG RATE");
(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
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<PAGE>
(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.
NB LOAN GROUP: The group of Mortgage Loans comprised of the Group NB
Loans.
NOTIONAL AMOUNT: As of any Distribution Date, with respect to any Class
A-V Certificates or Subclass thereof issued pursuant to Section 5.01(c), the
aggregate Stated Principal Balance of the Mortgage Loans corresponding to the
Uncertificated Class A-V REMIC Regular Interests represented by such Class or
Subclass immediately prior to such date.
PASS-THROUGH RATE: With respect to the Senior Certificates (other than
the Class A-V and Class A-P Certificates), Class M Certificates and Class B
Certificates and any Distribution Date, the per annum rates set forth in the
Preliminary Statement hereto. With respect to the Class A-V 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 related Due Period, weighted on the
basis of the respective Stated Principal Balances of such Mortgage Loans as of
the day immediately preceding such Distribution Date (or, with respect to the
initial Distribution Date, at the close of business on the Cut-off Date). With
respect to the Class A-V Certificates and the initial Distribution Date the
Pass-Through Rate is equal to 0.6587% per annum. With respect to any Subclass of
Class A-V 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 Class A-V REMIC Regular Interests
represented by such Subclass as of the Due Date in the related Due Period,
weighted on the basis of the respective Stated Principal Balances of such
Mortgage Loans as of the day immediately preceding such Distribution Date (or
with respect to the initial Distribution Date, at the close of business on the
Cut-off Date). The Principal Only Certificates have no Pass-Through Rate and are
not entitled to Accrued Certificate Interest.
PREPAYMENT ASSUMPTION: With respect to the Class CB, Class A-P, Class
A-V, Class M and Class B Certificates, 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 related 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. With respect to the Class NB Certificates, the prepayment
assumption used for determining the accrual of original issue discount and
market discount and premium on the Certificates for federal income tax purposes,
which assumes a constant rate of prepayment of mortgage loans of 6.0% per annum
of the then outstanding principal balance of such mortgage loans in the first
month of the life of the mortgage loans, increasing by an additional 1.272727%
per annum in each succeeding month until the twelfth month, and a constant 20.0%
per annum rate of prepayment thereafter for the life of the mortgage loans.
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PREPAYMENT DISTRIBUTION PERCENTAGE: With respect to any Distribution
Date and the Available Distribution Amount for each Loan Group and each Class of
Subordinate 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
February 2005 (unless the Certificate Principal Balances of the
Class CB Certificates or Class NB Certificates and Class R
Certificates, as applicable, have been reduced to zero), 0%.
(ii) For any Distribution Date for which clause (i) above does not
apply, and on which any Class of Subordinate Certificates are
outstanding:
(a) in the case of the Class of Subordinate Certificates
then outstanding with the Highest Priority and each other Class
of Subordinate 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 Class of
Subordinate Certificates then outstanding with the Highest
Priority and (2) all other Classes of Subordinate Certificates
for which the respective Prepayment Distribution Triggers have
been satisfied; and
(b) in the case of each other Class of Subordinate
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 of this
Series Supplement (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
Subordinate 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 Subordinate
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
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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.
PRINCIPAL ONLY CERTIFICATES: Any one of the Class A-P Certificates.
SENIOR CERTIFICATE: Any one of the Class CB, Class NB, Class A-V, Class
A-P or Class R Certificates, executed by the Trustee and authenticated by the
Certificate Registrar substantially in the form annexed to the Standard Terms as
Exhibit A and Exhibit D.
SENIOR PERCENTAGE: The Class CB Percentage or Class NB Percentage, as
applicable.
SENIOR PRINCIPAL DISTRIBUTION AMOUNT: Either of the Class CB Principal
Distribution Amount or the Class NB Principal Distribution Amount, as
applicable.
SPECIAL HAZARD AMOUNT: As of any Distribution Date, an amount equal to
$2,181,780 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 of this Series Supplement 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 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
20.32% (which percentage is equal to the percentage of Mortgage Loans by
aggregate principal balance 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.
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SUBORDINATE PRINCIPAL DISTRIBUTION AMOUNT: With respect to any
Distribution Date and Loan Group and each Class of Subordinate Certificates, (a)
the sum of the following: (i) such Class's pro rata share, based on the
Certificate Principal Balance of each Class of Subordinate Certificates then
outstanding, of the aggregate of the amounts calculated (without giving effect
to the related Senior Percentages) for such Distribution Date for the related
Loan Group under clauses (1), (2) and (3) of Section 4.02(a)(ii)(Y)(A) to the
extent not payable to the Senior Certificates; (ii) such Class's pro rata share,
based on the Certificate Principal Balance of each Class of Subordinate
Certificates then outstanding, of the principal collections described in Section
4.02(a)(ii)(Y)(B)(b) for the related Loan Group (without giving effect to the
related Senior Accelerated Distribution Percentages) to the extent such
collections are not otherwise distributed to the Senior 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 for the related Loan Group (other than the related
Discount Fraction of such Principal Prepayments in Full and Curtailments with
respect to a Discount Mortgage Loan) to the extent not payable to the Senior
Certificates; (iv) if such Class is the Class of Subordinate Certificates with
the Highest Priority, any Excess Subordinate Principal Amount for the related
Loan Group 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 Class of Subordinate Certificates
minus (b) with respect to the Class of Subordinate Certificates with the Lowest
Priority, any Excess Subordinate Principal Amount FOR SUCH DISTRIBUTION DATE;
PROVIDED, HOWEVER, that the Subordinate Principal Distribution Amount for any
Class of Subordinate Certificates on any Distribution Date shall in no event
exceed the outstanding Certificate Principal Balance of such Class of
Certificates immediately prior to such date.
UNCERTIFICATED CLASS A-V REMIC REGULAR INTERESTS OR UNCERTIFICATED REMIC
REGULAR INTERESTS: The 1,589 uncertificated partial undivided beneficial
ownership interests in the Trust Fund, numbered sequentially from 1 to 1,589,
each relating to a 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.
SECTION 1.02...USE OF WORDS AND PHRASES.
"Herein," "hereby," "hereunder," "hereof," "hereinbefore," "hereinafter"
and other equivalent words refer to the Pooling and Servicing Agreement as a
whole. All references herein to Articles, Sections or Subsections shall mean the
corresponding Articles, Sections and Subsections in the Pooling and Servicing
Agreement. The definitions set forth herein include both the singular and the
plural.
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ARTICLE II
CONVEYANCE OF MORTGAGE LOANS;
ORIGINAL ISSUANCE OF CERTIFICATES
SECTION 2.01...CONVEYANCE OF MORTGAGE LOANS. (SEE SECTION 2.01 OF THE STANDARD
TERMS)
SECTION 2.02. ACCEPTANCE BY TRUSTEE. (SEE SECTION 2.02 OF THE STANDARD TERMS)
SECTION 2.03. REPRESENTATIONS, WARRANTIES AND COVENANTS OF THE MASTER SERVICER
AND THE COMPANY.
(a) For representations, warranties and covenants of the Master Servicer, see
Section 2.03(a) of the Standard Terms.
(b) The Company hereby represents and warrants to the Trustee for the benefit of
Certificateholders that as of the Closing Date (or, if otherwise specified
below, as of the date so specified):
(i) No Mortgage Loan is 30 or more days 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 One 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 30 years;
(iv) To the best of the Company's knowledge, except with respect to three
Mortgage Loans representing approximately 0.2% 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 generally
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 Group CB 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 0.6% of the Group
CB Loans by aggregate Stated Principal Balance as of the Cut-off Date are
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secured by Mortgaged Properties located in any one zip code area outside
California; and no more than 1.1% of the Group NB 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
1.2% of the Group NB 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;
(vii) If the improvements securing a Mortgage Loan are in a federally
designated special flood hazard area, flood insurance in the amount
required under the Program Guide covers the related Mortgaged Property
(either by coverage under the federal flood insurance program or by
coverage by private insurers);
(viii) Immediately prior to the assignment of the Mortgage Loans to the
Trustee, the Company had good title to, and was the sole owner of, each
Mortgage Loan free and clear of any pledge, lien, encumbrance or
security interest (other than rights to servicing and related
compensation) and such assignment validly transfers ownership of the
Mortgage Loans to the Trustee free and clear of any pledge, lien,
encumbrance or security interest;
(ix) Approximately 44.25% of the Group CB Loans by aggregate Stated Principal
Balance as of the Cut-off Date were underwritten under a reduced loan
documentation program, approximately 11.29% of the Group CB Loans by
aggregate Stated Principal Balance as of the Cut-off Date were underwritten
under a no-stated income program, and approximately 1.85% of the Group CB
Loans by aggregate Stated Principal Balance as of the Cut-off Date were
underwritten under a no income/no asset program; and approximately 47.98%
of the Group NB Loans by aggregate Stated Principal Balance as of the
Cut-off Date were underwritten under a reduced loan documentation program,
approximately 15.23% of the Group NB Loans by aggregate Stated Principal
Balance as of the Cut-off Date were underwritten under a no-stated income
program, and approximately 2.36% of the Group NB 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 33.17% of the Group CB Loans by
aggregate Stated Principal Balance as of the Cut-off Date, and
approximately 6.72% of the Group NB 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 are Buydown Mortgage 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;
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(xiv) None of the Mortgage Loans are Cooperative Loans; 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) With respect to each Mortgage Loan originated under a "streamlined"
Mortgage Loan program (through which no new or updated appraisals of
Mortgaged Properties are obtained in connection with the refinancing
thereof), the related Seller has represented that either (a) the value of
the related Mortgaged Property as of the date the Mortgage Loan was
originated was not less than the appraised value of such property at the
time of origination of the refinanced Mortgage Loan or (b) the
Loan-to-Value Ratio of the Mortgage Loan as of the date of origination of
the Mortgage Loan generally meets the Company's underwriting guidelines;
(xvi) Interest on each Mortgage Loan is calculated on the basis of a 360-day
year consisting of twelve 30-day months;
(xvii) None of the Mortgage Loans contains in the related Mortgage File a
Destroyed Mortgage Note;
(xviii) No more than 1.7% of the Group CB Loans and none of the Group NB 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;
(xix) No Mortgage Loan provides for payments that are subject to reduction by
withholding taxes levied by any foreign (non-United States) sovereign
government; and
(xx) None of the Mortgage Loans are Additional Collateral Loans and none of
the Mortgage Loans are Pledged Asset Loans.
It is understood and agreed that the representations and warranties set forth in
this Section 2.03(b) shall survive delivery of the respective Mortgage Files to
the Trustee or any Custodian.
Upon discovery by any of the Company, the Master Servicer, the Trustee
or any Custodian of a breach of any of the representations and warranties set
forth in this Section 2.03(b) that 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
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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. (SEE SECTION 2.04 OF
THE STANDARD TERMS)
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 and/or the applicable REMIC, 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 that evidence ownership of the entire Trust Fund.
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ARTICLE III
ADMINISTRATION AND SERVICING
OF MORTGAGE LOANS
(SEE ARTICLE III OF THE STANDARD TERMS)
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ARTICLE IV
PAYMENTS TO CERTIFICATEHOLDERS
SECTION 4.01. CERTIFICATE ACCOUNT. (SEE SECTION 4.01 OF THE STANDARD TERMS)
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)(iv) below,
the amount required to be distributed to the Master Servicer or a Sub-Servicer
pursuant to Section 4.02(a)(iv) below, 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 Certificates (other than any Subclass of the Class A-V 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-V 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) below), in each case to the extent
of the related or specified Available Distribution Amount remaining in the case
of clauses (i) through (iii), and to the extent of the Available Distribution
Amount for both Loan Groups remaining in the case of clauses (iv) through
(xviii):
(i) (X) from the Available Distribution Amount related to the CB
Loan Group, to the Class CB Certificateholders, Accrued Certificate
Interest on such Class of 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);
(Y) from the Available Distribution Amount related to the
NB Loan Group, to the Class NB 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
Subclasses, if any, with respect to the Class A-V 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
(Z) from the Available Distribution Amount derived from
the related Loan Group, on a parity with the distributions in Sections
4.02(a)(i)(X) and 4.02(a)(i)(Y), as applicable, to the Class A-V
Certificates (or Subclasses, if any) in proportion to the respective
amounts of Accrued Certificate Interest thereon derived from each Loan
Group, Accrued Certificate Interest on the Class A-V Certificates with
respect to 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);
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(ii) (X) to the Class A-P Certificates, from the Available
Distribution Amount for each Loan Group in proportion to the respective
amounts of the Class A-P Principal Distribution Amount derived from each
Loan Group, the Class A-P Principal Distribution Amount; and
(Y) to the Senior Certificates (other than the Class A-P
Certificates), in the priorities and amounts set forth in Section
4.02(b) through (e), the sum of the following (applied to reduce the
Certificate Principal Balances of such Senior Certificates, as
applicable):
(A) the related 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 in the related Loan Group (other
than the related Discount Fraction of the principal portion of such payment
with respect to a Discount Mortgage Loan), whether or not received on or
prior to the related Determination Date, minus the principal portion of any
Debt Service Reduction (other than the related Discount Fraction of the
principal portion of such Debt Service Reductions with respect to each
Discount Mortgage Loan) which together with other Bankruptcy Losses exceeds
the Bankruptcy Amount;
(2) the Stated Principal Balance of any Mortgage Loan in the related Loan Group
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 in such Loan Group pursuant to Section 2.03 or 2.04 during the related
Prepayment Period (other than the related Discount Fraction of such Stated
Principal Balance or shortfall with respect to each Discount Mortgage
Loan); and
(3) the principal portion of all other unscheduled collections with respect to
the related Loan Group (other than Principal Prepayments in Full and
Curtailments and amounts received in connection with a Cash Liquidation or
REO Disposition of a Mortgage Loan described in Section 4.02(a)(ii)(Y)(B)
of this Series Supplement, 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) of the Standard Terms) to the extent applied by the Master
Servicer as recoveries of principal of the related Mortgage Loan pursuant
to Section 3.14 of the Standard Terms (other than the related Discount
Fraction of the principal portion of such unscheduled collections, with
respect to each Discount Mortgage Loan);
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(B) with respect to each Mortgage Loan in the related Loan Group 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) of the Standard Terms) 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
related Senior Percentage for such Distribution Date times the Stated
Principal Balance of such Mortgage Loan (other than the related Discount
Fraction of such Stated Principal Balance, with respect to each Discount
Mortgage Loan) and (b) the related 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 of the Standard Terms (in each case other than the portion of such
unscheduled collections, with respect to a Discount Mortgage Loan, included
in Section 4.02(b)(i)(C) of this Series Supplement);
(C) the related Senior Accelerated Distribution Percentage for such
Distribution Date times the aggregate of all Principal
Prepayments in Full and Curtailments with respect to the related
Loan Group received in the related Prepayment Period (other than
the related Discount Fraction of such Principal Prepayments in
Full and Curtailments, with respect to each Discount Mortgage
Loan);
(D) any portion of the Excess Subordinate Principal Amount for such
Distribution Date allocated to the related Loan Group; and
(E) any amounts described in subsection (ii)(Y), clauses (A), (B) and
(C) of this Section 4.02(a), as determined for any previous
Distribution Date, which remain unpaid after application of
amounts previously distributed pursuant to this clause (E) to the
extent that such amounts are not attributable to Realized Losses
which have been allocated to the Subordinate Certificates; and
(Z) to the Holders of the Class CB or Class NB
Certificates, as applicable, amounts required to be distributed pursuant
to Section 4.02(c);
(iii) if the aggregate Certificate Principal Balance of the Class
CB or Class NB Certificates and Class R Certificates is greater than the
aggregate Stated Principal Balance of the Mortgage Loans in the related
Loan Group (other than the related Discount Fraction of each Discount
Mortgage Loan in the related Loan Group) and the Class M Certificates or
Class B Certificates are still outstanding, in each case after giving
effect to distributions to be made on such Distribution Date, to the
Holders of such Class or Classes of Class CB or Class NB Certificates,
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an amount equal to one month's interest at a rate of 7.75% per annum on
the amount of the difference between the aggregate Certificate Principal
Balance of such Class or Classes of Class CB or Class NB Certificates,
as applicable, and the aggregate Stated Principal Balance of its related
Loan Group, from the Available Distribution Amount for the other Loan
Group, applied first to pay Accrued Certificate Interest on such Class
or Classes of Class CB Certificates or Class NB Certificates and Class R
Certificates on a pro rata basis to the extent not paid on such
Distribution Date pursuant to Section 4.02(a)(i), and then to pay
principal on such Class or Classes of Class CB Certificates or Class NB
Certificates and Class R Certificates in accordance with the priorities
set forth in Section 4.02(b), until the Certificate Principal Balance of
such Class CB Certificates or Class NB Certificates and Class R
Certificates is equal to the aggregate Stated Principal Balance of the
Mortgage Loans in the related Loan Group;
(iv) if the Certificate Principal Balances of the Subordinate
Certificates have not been reduced to zero, to the Master Servicer or a
Sub-Servicer, by remitting for deposit to the Custodial Account, to the
extent of and in reimbursement for any Advances or Sub-Servicer 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;
(v) 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;
(vi) to the Holders of the Class M-1 Certificates, an amount
equal to (x) the Subordinate Principal Distribution Amount for such
Class of Certificates for each Loan Group for such Distribution Date,
minus (y) the amount of any Class A-P Collection Shortfalls for such
Distribution Date or remaining unpaid for all previous Distribution
Dates, to the extent the amounts available pursuant to clause (x) of
Sections 4.02(a)(viii), (x), (xii), (xiv), (xv) and (xvi) of this Series
Supplement are insufficient therefor, applied in reduction of the
Certificate Principal Balance of the Class M-1 Certificates;
(vii) 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;
(viii) to the Holders of the Class M-2 Certificates, an amount
equal to (x) the Subordinate Principal Distribution Amount for such
Class of Certificates for each Loan Group for such Distribution Date,
minus (y) the amount of any Class A-P Collection Shortfalls for such
Distribution Date or remaining unpaid for all previous Distribution
Dates, to the extent the amounts available pursuant to clause (x) of
Sections 4.02(a) (x), (xii), (xiv), (xv) and (xvi) are insufficient
therefor, applied in reduction of the Certificate Principal Balance of
the Class M-2 Certificates;
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(ix) 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;
(x) to the Holders of the Class M-3 Certificates, an amount equal
to (x) the Subordinate Principal Distribution Amount for such Class of
Certificates for each Loan Group for such Distribution Date minus (y)
the amount of any Class A-P Collection Shortfalls for such Distribution
Date or remaining unpaid for all previous Distribution Dates, to the
extent the amounts available pursuant to clause (x) of Sections
4.02(a)(xii), (xiv), (xv) and (xvi) are insufficient therefor, applied
in reduction of the Certificate Principal Balance of the Class M-3
Certificates;
(xi) 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;
(xii) to the Holders of the Class B-1 Certificates, an amount
equal to (x) the Subordinate Principal Distribution Amount for such
Class of Certificates for each Loan Group for such Distribution Date
minus (y) the amount of any Class A-P Collection Shortfalls for such
Distribution Date or remaining unpaid for all previous Distribution
Dates, to the extent the amounts available pursuant to clause (x) of
Sections 4.02(a)(xiv), (xv) and (xvi) are insufficient therefor, applied
in reduction of the Certificate Principal Balance of the Class B-1
Certificates;
(xiii) 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;
(xiv) to the Holders of the Class B-2 Certificates, an amount
equal to (x) the Subordinate Principal Distribution Amount for such
Class of Certificates for each Loan Group for such Distribution Date
minus (y) the amount of any Class A-P Collection Shortfalls for such
Distribution Date or remaining unpaid for all previous Distribution
Dates, to the extent the amounts available pursuant to clause (x) of
Sections 4.02(a)(xv) and (xvi) are insufficient therefor, applied in
reduction of the Certificate Principal Balance of the Class B-2
Certificates;
(xv) to the Holders of the Class B-3 Certificates, an amount
equal to (x) the Accrued Certificate Interest thereon for such
Distribution Date, plus any Accrued Certificate Interest thereon
remaining unpaid from any previous Distribution Date, except as provided
below, minus (y) the amount of any Class A-P Collection Shortfalls for
such Distribution Date or remaining unpaid for all previous Distribution
Dates, to the extent the amounts available pursuant to clause (x) of
Section 4.02(a) (xvi) are insufficient therefor;
(xvi) to the Holders of the Class B-3 Certificates, an amount
equal to (x) the Subordinate Principal Distribution Amount for such
Class of Certificates for each Loan Group for such Distribution Date
minus (y) the amount of any Class A-P Collection Shortfalls for such
Distribution Date or remaining unpaid for all previous Distribution
Dates applied in reduction of the Certificate Principal Balance of the
Class B-3 Certificates;
21
<PAGE>
(xvii) to the Senior Certificates, on a pro rata basis in
accordance with their respective outstanding Certificate Principal
Balances, the portion, if any, of the Available Distribution Amounts for
each Loan Group remaining after the foregoing distributions, applied to
reduce the Certificate Principal Balances of such Senior Certificates,
but in no event more than the aggregate of the outstanding Certificate
Principal Balances of each such Class of Senior Certificates, and
thereafter, to each Class of Subordinate Certificates then outstanding
beginning with such Class with the Highest Priority, any portion of the
Available Distribution Amounts for each Loan Group remaining after the
Senior Certificates have been retired, applied to reduce the Certificate
Principal Balance of each such Class of Subordinate Certificates, but in
no event more than the outstanding Certificate Principal Balance of each
such Class of Subordinate Certificates; and
(xviii)to the Class R Certificates, the balance, if any, of the
Available Distribution Amounts for both Loan Groups.
Notwithstanding the foregoing, on any Distribution Date, with respect to
the Class of Subordinate Certificates outstanding on such Distribution Date with
the Lowest Priority, or in the event the Subordinate Certificates are no longer
outstanding, the Senior 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 the failure of the Master Servicer to make any
required Advance, or the determination by the Master Servicer that any proposed
Advance would be a Nonrecoverable Advance 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 Senior Certificates on each Distribution
Date occurring prior to the Credit Support Depletion Date will be made as
follows:
(i) first, to the Class A-P Certificates, until the Certificate Principal
Balance thereof is reduced to zero, an amount (the "Class A-P Principal
Distribution Amount") equal to the aggregate of:
(A) the related Discount Fraction of the principal portion of each Monthly
Payment on each Discount Mortgage Loan due during the related Due Period,
whether or not received on or prior to the related Determination Date,
minus the Discount Fraction of the principal portion of any related Debt
Service Reduction which together with other Bankruptcy Losses exceeds the
Bankruptcy Amount;
(B) the related Discount Fraction of the principal portion of all unscheduled
collections on each Discount Mortgage Loan received during the preceding
calendar month (other than amounts received in connection with a Cash
Liquidation or REO Disposition of a Discount Mortgage Loan described in
clause (C) below), including Principal Prepayments in Full, Curtailments
and repurchases (including deemed repurchases under Section 3.07(b) of the
Standard Terms) of Discount Mortgage Loans (or, in the case of a
substitution of a Deleted Mortgage Loan, the Discount Fraction of the
amount of any shortfall deposited in the Custodial Account in connection
with such substitution);
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<PAGE>
(C) in connection with the Cash Liquidation or REO Disposition of a
Discount Mortgage Loan that did not result in any Excess Special
Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses or
Extraordinary Losses, an amount equal to the lesser of (1) the
applicable Discount Fraction of the Stated Principal Balance of
such Discount Mortgage Loan immediately prior to such
Distribution Date and (2) the aggregate amount of the collections
on such Mortgage Loan to the extent applied as recoveries of
principal;
(D) any amounts allocable to principal for any previous Distribution
Date (calculated pursuant to clauses (A) through (C) above) that
remain undistributed; and
(E) the amount of any Class A-P Collection Shortfalls for such
Distribution Date and the amount of any Class A-P Collection
Shortfalls remaining unpaid for all previous Distribution Dates,
but only to the extent of the Eligible Funds for such
Distribution Date;
(ii) concurrently with the distribution described in clause (iii) below, the
Class CB Principal Distribution Amount shall be distributed to the Class
CB Certificates until the Certificate Principal Balance thereof has been
reduced to zero; and
(iii) the Class NB Principal Distribution Amount shall be
distributed as follows:
(I) first, to the Class NB-3 Certificates, in reduction of the
Certificate Principal Balance thereof, an amount equal to the Lockout
Percentage of the Class NB-3 Certificates' pro rata share (based on the
Certificate Principal Balance thereof relative to the Certificate
Principal Balance of the Class NB Certificates and the Class R
Certificates) of the Class NB Principal Distribution Amount; and
(II) second, the balance of the Class NB Principal Distribution
Amount remaining after the distribution, if any, described in clause
(iii)(I) above shall be distributed as follows:
(A) FIRST, to the Class R Certificates until the
Certificate Principal Balance thereof has been
reduced to zero;
(B) SECOND, to the Class NB-1 Certificates until the
Certificate Principal Balance thereof has been
reduced to zero;
(C) THIRD, to the Class NB-2 Certificates until the
Certificate Principal Balance thereof has been
reduced to zero; and
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(D) FOURTH, to the Class NB-3 Certificates until the
Certificate Principal Balance thereof has been
reduced to zero.
(c) Prior to the occurrence of the Credit Support Depletion Date but after the
reduction of the Certificate Principal Balances of the Class CB Certificates or
Class NB Certificates and Class R Certificates to zero, the remaining Class CB
Certificates or Class NB Certificates and Class R Certificates, as applicable,
will be entitled to receive, in addition to any Mortgagor prepayments related to
such Certificates' respective Loan Group, 100% of the Mortgagor prepayments on
the Mortgage Loans in the other Loan Group, and in accordance with the
priorities set forth in clause (b) above, and in reduction of the Certificate
Principal Balances thereof, on any Distribution Date unless (i) the weighted
average of the Subordinate Percentages for both Loan Groups, weighted on the
basis of the Stated Principal Balances of the Mortgage Loans in the related Loan
Group, is at least two times the weighted average of the initial Subordinate
Percentages for both Loan Groups (calculated on such basis) and (ii) the
outstanding principal balance of the Mortgage Loans in both Loan Groups
delinquent 60 days or more averaged over the last six months, as a percentage of
the aggregate outstanding Certificate Principal Balance of the Subordinate
Certificates, is less than 50%. In addition, on any Distribution Date prior to
the Credit Support Depletion Date on which the aggregate Certificate Principal
Balance of the Class CB Certificates or Class NB Certificates and Class R
Certificates, as applicable, is greater than the aggregate Stated Principal
Balance of the Mortgage Loans in the related Loan Group in each case after
giving effect to distributions to be made on such Distribution Date, 100% of the
Mortgagor prepayments allocable to the Subordinate Certificates on the Mortgage
Loans in the other Loan Group will be distributed to such class or classes of
Class CB Certificates or Class NB Certificates and Class R Certificates, as
applicable, and in accordance with the priorities set forth in clause (b) above,
and in reduction of the Certificate Principal Balances thereof, until the
aggregate Certificate Principal Balance of such Class or Classes of Certificates
equals the aggregate Stated Principal Balance of the Mortgage Loans in the
related Loan Group.
(d) On or after 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 Senior Certificates (other than the Class A-P
Certificates) will be disregarded, and (i) the remaining Class CB Principal
Distribution Amount will be distributed to the Class CB Certificates pro rata in
accordance with their respective outstanding Certificate Principal Balances,
(ii) the remaining Class NB Principal Distribution Amount will be distributed to
the Class NB Certificates and Class R Certificates pro rata in accordance with
their respective outstanding Certificate Principal Balances, (iii) the amount
set forth in Section 4.02(a)(i) will be distributed as set forth therein, and
(iv) an amount equal to the Discount Fraction of the principal portion of
scheduled payments and unscheduled collections received or advanced in respect
of Discount Mortgage Loans will be distributed to the Class A-P Certificates,
from the Available Distribution Amount for each Loan Group in proportion to the
respective amounts of the Class A-P Principal Distribution Amount derived from
each Loan Group.
(e) After the reduction of the Certificate Principal Balances of the Senior
Certificates (other than the Class A-P Certificates) to zero but prior to the
Credit Support Depletion Date, the Senior Certificates (other than the Class A-P
Certificates) will be entitled to no further distributions of principal thereon
and the Available Distribution Amount for each Loan Group will be paid solely to
the holders of the Class A-P, Class A-V and Subordinate Certificates, in each
case as described herein.
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<PAGE>
(f) 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 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-V 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-V
Certificates, to the Class A-V 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.
(g) Each distribution with respect to a Book-Entry Certificate shall be paid to
the Depository, as Holder thereof, and the Depository shall be solely
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") 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.
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(h) 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
related Interest Accrual Period. In the event that Certificateholders required
to surrender their Certificates pursuant to Section 9.01(c) do not surrender
their Certificates for final cancellation, the Trustee shall cause funds
distributable with respect to such Certificates to be withdrawn from the
Certificate Account and credited to a separate escrow account for the benefit of
such Certificateholders as provided in Section 9.01(d).
SECTION 4.03. STATEMENTS TO CERTIFICATEHOLDERS. (SEE SECTION 4.03 OF THE
STANDARD TERMS AND EXHIBIT THREE ATTACHED HERETO)
SECTION 4.04. DISTRIBUTION OF REPORTS TO THE TRUSTEE AND THE COMPANY; ADVANCES
BY THE MASTER SERVICER. (SEE SECTION 4.04 OF THE STANDARD TERMS)
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 during the related Due Period. The amount of each
Realized Loss shall be evidenced by an Officers' Certificate. All Realized
Losses, other than Excess Special Hazard Losses, Extraordinary Losses, Excess
Bankruptcy Losses or Excess Fraud Losses, shall be allocated as follows: first,
to the Class B-3 Certificates until the Certificate Principal Balance thereof
has been reduced to zero; second, to the Class B-2 Certificates until the
Certificate Principal Balance thereof has been reduced to zero; third, to the
Class B-1 Certificates until the Certificate Principal Balance thereof has been
reduced to zero; fourth, to the Class M-3 Certificates until the Certificate
Principal Balance thereof has been reduced to zero; fifth, to the Class M-2
Certificates until the Certificate Principal Balance thereof has been reduced to
zero; sixth, to the Class M-1 Certificates until the Certificate Principal
Balance thereof has been reduced to zero; and, thereafter, if any such Realized
Losses are on a Discount Mortgage Loan, to the Class A-P Certificates in an
amount equal to the Discount Fraction of the principal portion thereof, and the
remainder of such Realized Losses on the Discount Mortgage Loans and the entire
amount of such Realized Losses on Non-Discount Mortgage Loans will be allocated
among all the Class CB Certificates (in the case of a Group CB Loan) or among
the Class NB Certificates and Class R Certificates (in the case of a Group NB
Loan), and the Class A-V Certificates (in the case of the interest portion of a
Realized Loss on a Mortgage Loan in either Loan Group) on a pro rata basis, as
described below. The principal portion of any Excess Special Hazard Losses,
Excess Bankruptcy Losses, Excess Fraud Losses and Extraordinary Losses on
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Discount Mortgage Loans will be allocated to the Class A-P Certificates in an
amount equal to the Discount Fraction thereof and the Class CB Percentage or
Class NB Percentage (as applicable) of the remainder of the principal portion of
such losses will be allocated to the Class CB Certificates (in the case of a
Class CB Loan) or between the Class NB and Class R Certificates (in the case of
a Class NB Loan) on a pro rata basis, as described below; and the remainder of
the principal portion of such Realized Losses will be allocated among the
Subordinate Certificates, on a pro rata basis, as described below. The interest
portion of any Excess Special Hazard Losses, Excess Bankruptcy Losses, Excess
Fraud Losses and Extraordinary Losses will be allocated to all the Certificates
on a pro rata basis.
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 derived from the related Loan Group 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 from the related Loan Group in respect of such Distribution Date and
derived from the related Loan Group (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 Subordinate
Certificates then outstanding with the Lowest Priority 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-V Certificates have been
issued pursuant to Section 5.01(c), such Realized Losses and other losses
allocated to the Class A-V 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.
(SEE SECTION 4.06 OF THE STANDARD TERMS)
SECTION 4.07. OPTIONAL PURCHASE OF DEFAULTED MORTGAGE LOANS. (SEE SECTION 4.07
OF THE STANDARD TERMS)
SECTION 4.08. SURETY BOND. (SEE SECTION 4.08 OF THE STANDARD TERMS)
27
<PAGE>
ARTICLE V
THE CERTIFICATES
(SEE ARTICLE V OF THE STANDARD TERMS)
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<PAGE>
ARTICLE VI
THE COMPANY AND THE MASTER SERVICER
(SEE ARTICLE VI OF THE STANDARD TERMS)
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ARTICLE VII
DEFAULT
(SEE ARTICLE VII OF THE STANDARD TERMS)
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ARTICLE IX
TERMINATION
(SEE ARTICLE IX OF THE STANDARD TERMS)
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ARTICLE X
REMIC PROVISIONS
SECTION 10.01. REMIC ADMINISTRATION. (SEE SECTION 10.01 OF THE STANDARD TERMS)
SECTION 10.02. MASTER SERVICER; REMIC ADMINISTRATOR AND TRUSTEE INDEMNIFICATION.
(SEE SECTION 10.02 OF THE STANDARD TERMS)
SECTION 10.03. DESIGNATION OF REMIC.
THE REMIC ADMINISTRATOR WILL MAKE AN ELECTION to treat the entire
segregated pool of assets described in the definition of Trust Fund, and subject
to this Agreement (including the Mortgage Loans but excluding the Initial
Monthly Payment Fund) as a REMIC for federal income tax purposes.
The Class CB, Class NB-1, Class NB-2, Class NB-3, Class A-P, Class M-1,
Class M-2, Class M-3, Class B-1, Class B-2 and Class B-3 Certificates and the
Uncertificated Class A-V REMIC Regular Interests, the rights in and to which
will be represented by the Class A-V 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. On and after the date of issuance of any Subclass
of Class A-V Certificates pursuant to Section 5.01(c), any such Subclass will
represent the Uncertificated Class A-V REMIC Regular Interest or Interests
specified by the initial Holder of the Class A-V Certificates pursuant to said
Section.
SECTION 10.04. COMPLIANCE WITH WITHHOLDING REQUIREMENTS.
Notwithstanding any other provision of this Agreement, the
Trustee or any Paying Agent, as applicable, shall comply with all federal
withholding requirements respecting payments to Certificateholders, including
interest or original issue discount payments or advances thereof that the
Trustee or any Paying Agent, as applicable, reasonably believes are applicable
under the Code. The consent of Certificateholders shall not be required for such
withholding. In the event the Trustee or any Paying Agent, as applicable, does
withhold any amount from interest or original issue discount payments or
advances thereof to any Certificateholder pursuant to federal withholding
requirements, the Trustee or any Paying Agent, as applicable, shall indicate the
amount withheld to such Certificateholder pursuant to the terms of such
requirements.
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<PAGE>
ARTICLE XI
MISCELLANEOUS PROVISIONS
SECTION 11.01. AMENDMENT. (SEE SECTION 11.01 OF THE STANDARD TERMS)
SECTION 11.02. RECORDATION OF AGREEMENT; COUNTERPARTS. (SEE SECTION 11.02 OF THE
STANDARD TERMS)
SECTION 11.03. LIMITATION ON RIGHTS OF CERTIFICATEHOLDERS. (SEE SECTION 11.03 OF
THE STANDARD TERMS)
SECTION 11.04. GOVERNING LAWS. (SEE SECTION 11.04 OF THE STANDARD TERMS)
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 the appropriate
address for each recipient listed in the table below or, in each case, such
other address as may hereafter be furnished in writing to the Master Servicer,
the Trustee and the Company, as applicable:
- ---------------------------------- ---------------------------------------------
RECIPIENT ADDRESS
- ---------------------------------- ---------------------------------------------
- ---------------------------------- ---------------------------------------------
Company 8400 Normandale Lake Boulevard
Suite 600, Minneapolis, Minnesota 55437,
Attention: President
- ---------------------------------- ---------------------------------------------
- ---------------------------------- ---------------------------------------------
Master Servicer 10 Universal City Plaza, Suite 2100
Universal City, California 91608,
Attention:Managing Director/Master Servicing
- ---------------------------------- ---------------------------------------------
- ---------------------------------- ---------------------------------------------
Trustee Corporate Trust Office
1761 East St. Andrew Place
Santa Ana, California 92705-4934,
Attention: Residential Accredit Loans, Inc.
Series 2000-QS1
The Trustee designates its offices located at
Four Albany Street, New York, NY 10006, for
the purposes of Section 8.12 of the Standard
Terms
- ---------------------------------- ---------------------------------------------
- ---------------------------------- ---------------------------------------------
Standard & Poor's 55 Water Street
New York, New York 10041
- ---------------------------------- ---------------------------------------------
- ---------------------------------- ---------------------------------------------
DCR 17 State Street
New York, N.Y. 10004
- ---------------------------------- ---------------------------------------------
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<PAGE>
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. REQUIRED NOTICES TO RATING AGENCY AND SUBSERVICER. (SEE SECTION
11.06 OF THE STANDARD TERMS)
SECTION 11.07. SEVERABILITY OF PROVISIONS. (SEE SECTION 11.07 OF THE STANDARD
TERMS)
SECTION 11.08. SUPPLEMENTAL PROVISIONS FOR RESECURITIZATION. (SEE SECTION 11.08
OF THE STANDARD TERMS)
SECTION 11.09. ALLOCATION OF VOTING RIGHTS.
98.0% of all of the Voting Rights shall be allocated among
Holders of Certificates, other than the Class A-V 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-V Certificates in accordance with their respective
Percentage Interests, and 1% of all Voting Rights shall be allocated among the
Holders of the Class R Certificates in accordance with their respective
Percentage Interests.
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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/ TIMOTHY PILLAR
Name: Timothy Pillar
Title: Vice President
ATTEST:/S/ RANDY VAN ZEE
Name: Randy Van Zee
Title: Vice President
RESIDENTIAL FUNDING CORPORATION
[Seal]
BY: /S/ RANDY VAN ZEE
Name: Randy Van Zee
Title: Director
ATTEST: /S/ TIMOTHY PILLAR
Name: Timothy Pillar
Title: Director
BANKERS TRUST COMPANY,
as Trustee
[Seal]
BY: /S/ STEPHEN HESSLER
Name: Stephen Hessler
Title: Assistant Vice President
ATTEST:/S/ DAVID C. WEST
Name: David C. West
Title: Assistant Secretary
<PAGE>
STATE OF MINNESOTA
)
) ss.:
COUNTY OF HENNEPIN )
On the 31st day of January, 2000 before me, a notary public in
and for said State, personally appeared Timothy Pillar, 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.
/S/ SHARON BUTLER
Notary Public
[Notarial Seal]
<PAGE>
STATE OF MINNESOTA
)
) ss.:
COUNTY OF HENNEPIN )
On the 31st day of January, 2000 before me, a notary public in
and for said STATE, PERSONALLY APPEARED RANDY VAN ZEE, 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.
/S/ SHARON BUTLER
Notary Public
[Notarial Seal]
<PAGE>
STATE OF CALIFORNIA
)
) ss.:
COUNTY OF ORANGE )
On the 31st day of January, 2000 before me, a notary public in
and for said STATE, PERSONALLY APPEARED _STEPHEN HESSLER______________, KNOWN TO
ME TO BE A[N] _ASSISTANT VICE PRESIDENT________________ of Bankers Trust
Company, the New York banking corporation that executed the within instrument,
and also known to me to be the person who executed it on behalf of said banking
corporation and acknowledged to me that such banking corporation executed the
within instrument.
IN WITNESS WHEREOF, I have hereunto set my hand and affixed my
official seal the day and year in this certificate first above written.
/S/ KAREN C. CORWIN
Notary Public
[Notarial Seal]
<PAGE>
EXHIBIT ONE
MORTGAGE LOAN SCHEDULE
1
RUN ON : 01/21/00 RFC DISCLOSURE SYSTEM RFFSD177-01
AT : 14.36.17 FIXED RATE LOAN LISTING AMORTIZED BALANCE
SERIES : RALI 2000-QS1 C CUTOFF : 01/01/00
POOL : 0004420
:
:
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 #
______________________________________________________________________________
1591748 E22/K05 F 30,600.00 ZZ
360 29,577.92 1
1010 NORTH ROYAL AVENUE 8.750 240.73 90
8.500 240.73 34,000.00
FLORENCE AL 35630 1 05/30/97 96
0410404701 05 07/01/97 0
410404701 O 06/01/27
0
1789002 M11/K05 F 31,825.00 ZZ
360 31,477.91 1
14777 WUNDERLICH #2111 8.500 244.71 95
8.250 244.71 33,500.00
HOUSTON TX 77069 1 07/31/98 11
0430983064 01 09/01/98 30
000243 O 08/01/28
0
1800204 E84/G02 F 23,850.00 ZZ
360 23,521.09 1
221 EAST 10TH STREET 8.625 185.50 90
8.375 185.50 26,500.00
MICHIGAN CITY IN 46360 1 06/15/98 11
0431025915 05 08/01/98 25
25980249 N 07/01/28
0
1805236 E22/G02 F 27,900.00 ZZ
360 27,474.82 1
118 FRANKLIN AVENUE, UNIT #3 8.375 212.06 80
8.125 212.06 34,900.00
SEASIDE HEIGHTS NJ 08751 1 09/03/98 00
0410989982 01 10/01/98 0
1
410989982 O 09/01/28
0
1845842 E22/G02 F 36,650.00 ZZ
360 36,348.73 1
7000 SANDELL AVENUE UNIT #15 8.500 281.81 95
8.250 281.81 38,625.00
EDINA MN 55435 1 11/20/98 10
0411118227 01 01/01/99 30
411118227 O 12/01/28
0
1863474 B93/G02 F 27,600.00 ZZ
360 27,172.85 1
8220 N. 34TH DRIVE - #10 8.000 202.52 80
7.750 202.52 34,500.00
PHOENIX AZ 85051 1 12/23/98 14
0431182062 01 02/01/99 12
1000023576 O 01/01/29
0
1865231 526/526 F 96,271.16 ZZ
352 94,996.13 1
33 EAST CONCORD ST,UNIT 1 6.875 636.80 67
6.625 636.80 144,000.00
BOSTON MA 02118 2 10/30/98 00
302829 01 01/01/99 0
302829 O 04/01/28
0
1867967 K18/G02 F 132,700.00 T
360 131,491.36 1
7940 GOLDEN POND CIRCLE 8.375 1,008.62 80
8.125 1,008.62 165,896.00
KISSIMMEE FL 34747 1 10/28/98 00
0431197987 03 12/01/98 0
95400871 O 11/01/28
0
1868026 K18/G02 F 112,400.00 T
360 106,166.83 1
4594 EAGLET LANE 8.500 864.26 80
8.250 864.26 140,516.00
KISSIMMEE FL 34746 1 10/16/98 00
0431197383 03 12/01/98 0
95400755 O 11/01/28
0
1
1869583 K18/G02 F 111,850.00 T
360 110,905.17 1
7942 GOLDEN POND CIRCLE 8.750 879.92 70
8.500 879.92 159,850.00
KISSIMMEE FL 34747 1 10/30/98 00
0431198878 03 12/01/98 0
95400863 O 11/01/28
0
1870228 K18/G02 F 116,600.00 T
360 115,688.76 1
7920 GOLDEN POND CIRCLE 8.750 917.29 70
8.500 917.29 166,600.00
KISSIMMEE FL 34747 1 11/25/98 00
0431200765 03 01/01/99 0
95400878 O 12/01/28
0
1871586 K18/G02 F 147,250.00 T
360 146,108.51 1
2618 STAR LAKE VIEW DRIVE 8.375 1,119.21 80
8.125 1,119.21 184,208.00
KISSIMMEE FL 34747 1 12/28/98 00
0431201201 03 02/01/99 0
95400930 O 01/01/29
0
1871591 K18/G02 F 136,400.00 T
360 135,342.66 1
2627 STAR LAKE VIEW DRIVE 8.375 1,036.74 80
8.125 1,036.74 170,500.00
KISSIMMEE FL 34747 1 12/18/98 00
0431198373 03 02/01/99 0
95400874 O 01/01/29
0
1872422 K18/G02 F 107,550.00 T
360 106,736.92 1
2417 BLACK POWDER LANE 8.500 826.97 80
8.250 826.97 134,480.00
KISSIMMEE FL 34743 1 12/30/98 00
0431201276 03 02/01/99 0
95400826 O 01/01/29
0
1879616 560/560 F 51,300.00 ZZ
360 50,371.40 1
410 W 7TH STREET #1324 7.375 354.32 95
7.125 354.32 54,000.00
1
TULSA OK 74119 1 11/06/98 04
161976105 06 12/01/98 30
161976105 O 11/01/28
0
1883711 A46/G02 F 33,150.00 ZZ
360 32,915.01 1
7950 NORTH STADIUM #173 7.875 240.36 95
7.625 240.36 34,900.00
HOUSTON TX 77030 1 02/12/99 04
0431226745 01 04/01/99 30
0137025 O 03/01/29
0
1884043 E22/G02 F 30,000.00 ZZ
360 29,787.59 1
2208 BAY DRIVE, UNIT # 6 8.375 228.02 60
8.125 228.02 50,000.00
MIAMI BEACH FL 33141 1 02/05/99 00
0411251358 01 03/01/99 0
411251358 O 02/01/29
0
1884102 M11/G02 F 33,250.00 ZZ
360 33,008.37 1
1010 ALLEN STREET #221 7.750 238.21 86
7.500 238.21 39,000.00
DALLAS TX 75204 1 02/19/99 10
0431231414 07 04/01/99 30
001151 O 03/01/29
0
1886819 003/G02 F 29,000.00 T
360 28,804.37 1
4225 OAK TERRACE 8.125 215.33 65
7.875 215.33 45,000.00
GREENACRES FL 33463 1 02/26/99 00
0431244094 01 04/01/99 0
10626091 O 03/01/29
0
1890544 B75/G02 F 50,000.00 ZZ
360 49,643.67 1
750 NW 17TH STREET 7.875 362.53 67
7.625 362.53 75,000.00
POMPANO BEACH FL 33060 2 02/12/99 00
0431266972 05 04/01/99 0
6432645 O 03/01/29
0
1
1899774 737/G02 F 28,800.00 ZZ
360 28,662.12 1
925 W PEORIA AVE 8.750 226.57 90
UNIT 38 8.500 226.57 32,000.00
PHOENIX AZ 85029 1 04/01/99 10
0431284223 01 06/01/99 25
960515 O 05/01/29
0
1900344 A35/G02 F 44,800.00 ZZ
360 44,561.16 1
11 GERARD STREET 8.750 352.44 80
8.375 352.44 56,000.00
PATCHOGUE NY 11772 1 03/31/99 00
0431286103 05 05/01/99 0
000 O 04/01/29
0
1903462 907/G02 F 28,800.00 ZZ
360 28,567.23 1
UNIT 1-205 80 DAMON ROAD 8.000 211.32 80
7.750 211.32 36,000.00
NORTHAMPTON MA 01060 1 01/23/99 00
0431293521 01 03/01/99 0
10004568 O 02/01/29
0
1903731 M11/G02 F 25,600.00 ZZ
360 25,466.17 1
9700 LEAWOOD #311 8.250 192.33 95
8.000 192.33 27,000.00
HOUSTON TX 77099 1 04/13/99 04
0431305325 01 06/01/99 30
001336 O 05/01/29
0
1907013 134/G02 F 53,500.00 ZZ
360 53,274.05 1
5130 DEL MONTE 8.625 416.12 80
#3 BLDG A 8.375 416.12 66,900.00
HOUSTON TX 77056 1 05/12/99 00
0431348416 01 07/01/99 0
7860929 O 06/01/29
0
1907480 N94/G02 F 50,250.00 ZZ
360 49,980.76 1
1
16 APPLETON PARK UNIT B-2 8.125 373.10 95
7.875 373.10 53,000.00
IPSWICH MA 01938 1 04/30/99 04
0431321132 01 06/01/99 30
99000551 O 05/01/29
0
1908779 638/G02 F 27,850.00 ZZ
360 27,704.45 1
1170 EAST 125TH STREET 8.250 209.23 90
8.000 209.23 30,995.00
CLEVELAND OH 44112 1 04/28/99 10
0431322445 05 06/01/99 25
08879436 O 05/01/29
0
1909587 Q49/G02 F 39,000.00 ZZ
360 38,627.74 1
19308 BILTMORE 8.500 299.88 75
8.250 299.88 52,000.00
DETROIT MI 48235 5 05/21/99 00
0431351782 05 07/01/99 0
0000 O 06/01/29
0
1910661 737/G02 F 37,050.00 ZZ
360 36,861.19 1
3427 W VERMONT AVENUE 8.375 281.61 95
#A 8.125 281.61 39,000.00
PHOENIX AZ 85017 1 04/30/99 10
0431335405 01 06/01/99 30
960815 O 05/01/29
0
1911268 F03/G02 F 30,400.00 ZZ
360 30,257.93 1
11843 BRAESVIEW DRIVE #2105 8.125 225.72 80
7.875 225.72 38,000.00
SAN ANTONIO TX 78213 1 05/24/99 00
0431346584 01 07/01/99 0
SAT10709 O 06/01/29
0
1914579 M17/G02 F 119,500.00 ZZ
360 119,132.89 1
18734 B WEST VISTA DEL CANON 8.500 918.85 89
8.250 918.85 135,000.00
CHATSWORTH CA 91312 2 07/08/99 10
0431387869 01 09/01/99 25
1
990196 N 08/01/29
0
1918267 F44/G02 F 39,000.00 ZZ
360 38,839.49 2
4561 COTTMAN AVENUE 8.750 306.81 65
8.500 306.81 60,000.00
PHILADELPHIA PA 19135 5 05/27/99 00
0431356187 05 07/01/99 0
208746 N 06/01/29
0
1918414 P38/G02 F 45,600.00 ZZ
360 45,421.33 2
1014 NORTH 22ND PLACE 8.750 358.74 80
8.500 358.74 57,000.00
PHOENIX AZ 85006 1 06/29/99 00
0431417104 05 08/01/99 0
9DA011 N 07/01/29
0
1919075 M63/G02 F 48,830.00 ZZ
360 48,662.71 2
2461 NORTH WEIL STREET 8.875 388.51 95
8.625 388.51 51,400.00
MILWAUKEE WI 53212 1 06/22/99 10
0431375351 05 08/01/99 30
9906730 O 07/01/29
0
1919526 874/G02 F 46,050.00 ZZ
360 45,063.14 1
1527 C DELUCCHI LANE 8.625 358.17 95
8.375 358.17 48,500.00
RENO NV 89502 1 07/12/99 04
0431403757 01 09/01/99 30
355524 O 08/01/29
0
1922270 B57/G02 F 205,000.00 ZZ
360 204,202.05 1
23465 PARK SORRENTO 8.250 1,540.10 70
NO 4 8.000 1,540.10 296,000.00
CALABASAS CA 91302 1 06/01/99 00
0431364124 01 08/01/99 0
9912047 N 07/01/29
0
1
1923266 E84/G02 F 28,350.00 ZZ
360 28,230.31 1
2100 TANGLEWILDE 8.625 220.50 90
UNIT 529 8.375 220.50 31,500.00
HOUSTON TX 77063 1 05/28/99 01
0431382217 01 07/01/99 25
999999 O 06/01/29
0
1923280 E84/G02 F 39,350.00 ZZ
360 39,175.15 1
5322 MEDICAL DRIVE 8.375 299.09 75
UNIT 205 8.125 299.09 52,500.00
SAN ANTONIO TX 78240 1 05/19/99 00
0431381789 01 07/01/99 0
999999 N 06/01/29
0
1924527 A33/G02 F 14,850.00 ZZ
360 14,790.22 1
1625 N WOODBRIDGE 8.875 118.15 88
8.625 118.15 17,000.00
SAGINAW MI 48602 1 07/21/99 10
0431396647 05 09/01/99 25
001076156 O 08/01/29
0
1924650 737/G02 F 35,600.00 ZZ
360 35,474.81 1
925 W PEORIA AVE #37 8.750 280.07 95
8.500 280.07 37,500.00
PHOENIX AZ 85029 1 06/23/99 10
0431377415 01 08/01/99 30
961621 O 07/01/29
0
1925504 G10/G02 F 45,600.00 ZZ
360 45,455.08 2
620 VISTULA STREET 9.000 366.91 80
8.750 366.91 57,000.00
ELKHART IN 46516 1 07/19/99 00
0431399070 05 09/01/99 0
0000 N 08/01/29
0
1926389 700/G02 F 45,600.00 ZZ
360 45,431.32 1
2926 FISHER COURT 8.500 350.62 95
8.250 350.62 48,000.00
1
STOCKTON CA 95207 1 06/24/99 10
0431388008 01 08/01/99 30
51N4137942 O 07/01/29
0
1926433 A68/G02 F 52,000.00 ZZ
360 51,817.22 1
2802 NUECES STREET #308 8.750 409.08 80
8.500 409.08 65,000.00
AUSTIN TX 78705 1 06/30/99 00
0431382399 01 08/01/99 0
0000 O 07/01/29
0
1926667 B49/G02 F 124,200.00 ZZ
360 123,994.92 1
4312 SIFERD BOULEVARD 9.000 999.35 90
8.750 999.35 138,000.00
COLORADO SPRING CO 80917 1 09/27/99 10
0431539741 05 11/01/99 25
375229 N 10/01/29
0
1929632 907/G02 F 45,000.00 ZZ
360 44,124.00 3
77 GRANT AVENUE 9.125 366.13 90
8.875 366.13 50,000.00
JERSEY CITY NJ 07305 1 07/19/99 10
0431389246 05 09/01/99 30
10006140 O 08/01/29
0
1930434 638/G02 F 39,000.00 ZZ
360 38,867.40 1
1927 EAST HAMPTON AVENUE 8.000 286.17 67
7.750 286.17 59,000.00
MESA AZ 85204 1 07/15/99 00
0431396803 01 09/01/99 0
08911998 O 08/01/29
0
1930708 H19/G02 F 40,050.00 ZZ
360 39,954.38 2
113 115 BROOKLYN STREET 8.625 311.51 90
8.375 311.51 44,500.00
BARRE VT 05641 1 08/13/99 01
0431545953 05 10/01/99 25
0001948000 N 09/01/29
0
1
1930728 G13/G02 F 38,250.00 ZZ
360 38,119.27 1
236 LAKESIDE VILLA 9.000 307.77 90
8.750 307.77 42,500.00
DIAMONDHEAD MS 39525 1 07/15/99 01
0431397587 01 09/01/99 25
08593 O 08/01/29
0
1930731 638/G02 F 130,500.00 ZZ
360 129,435.10 1
5251 HAMMOCK ROAD 8.250 980.40 90
8.000 980.40 145,000.00
DORA AL 35062 5 07/08/99 10
0431398478 05 09/01/99 25
08904331 O 08/01/29
0
1931037 687/G02 F 27,900.00 ZZ
360 27,796.76 1
424 N JORDAN STREET 8.500 214.53 90
8.000 214.53 31,000.00
ALLENTOWN PA 18102 1 06/29/99 10
0431395912 07 08/01/99 25
1820907 N 07/01/29
0
1931403 638/G02 F 25,150.00 ZZ
360 25,076.57 1
250 EL DORADO BLVD #275 8.750 197.86 95
8.500 197.86 26,500.00
WEBSTER TX 77598 1 07/12/99 10
0431400779 01 09/01/99 30
8901872 O 08/01/29
0
1931485 A46/G02 F 44,100.00 ZZ
360 43,938.37 1
2025 AUGUSTA DRIVE 9.375 366.81 90
UNIT 213 9.125 366.81 49,000.00
HOUSTON TX 77057 1 08/09/99 04
0431433598 01 10/01/99 25
0132475 O 09/01/29
0
1931646 825/G02 F 136,500.00 ZZ
360 136,415.16 1
1
101 FORREST DRIVE UNIT L 8.375 1,037.50 65
8.125 1,037.50 210,000.00
FRISCO CO 80435 5 11/22/99 00
0431674118 01 01/01/00 0
00 O 12/01/29
0
1931785 B75/G02 F 139,500.00 ZZ
360 139,034.14 1
1138 EAST 2ND STREET 9.000 1,122.45 90
8.750 1,122.45 155,000.00
MESA AZ 85203 1 06/24/99 01
0431399393 05 08/01/99 25
2195139 N 07/01/29
0
1931893 687/G02 F 33,050.00 ZZ
360 32,955.94 4
215 NORTH 5TH STREET 8.875 262.97 90
8.625 262.97 36,770.00
ALLENTOWN PA 18102 1 07/23/99 10
0431402122 05 09/01/99 25
1819003 N 08/01/29
0
1933224 129/G02 F 28,800.00 ZZ
360 28,756.00 2
16560 STOEPEL 9.500 242.17 90
9.250 242.17 32,000.00
DETROIT MI 48221 1 09/01/99 12
0431504117 05 11/01/99 25
350039808 O 10/01/29
0
1933902 B75/G02 F 45,000.00 ZZ
360 44,875.24 1
1108 WESTOVER LANE 9.000 362.08 57
UNIT 2B 8.750 362.08 80,000.00
SCHAUMBURG IL 60193 1 07/21/99 00
0431408236 01 09/01/99 0
1992155 O 08/01/29
0
1933929 638/G02 F 44,800.00 ZZ
360 44,545.66 1
2981 EAST SUNFLOWER CIRCLE 8.000 328.73 80
7.750 328.73 56,000.00
PALM SPRINGS CA 92262 1 07/14/99 00
0431407626 01 09/01/99 0
1
08905961 O 08/01/29
0
1933986 180/G02 F 43,900.00 T
360 43,635.07 1
13864 LEAR BOULEVARD 8.375 333.67 80
8.125 333.67 54,900.00
RENO NV 89506 1 03/08/99 00
0431419001 01 05/01/99 0
0013729538 O 04/01/29
0
1934757 K88/G02 F 28,800.00 ZZ
360 28,641.46 1
520 CLIFFWOOD AVENUE 9.500 242.17 90
E-1 9.250 242.17 32,000.00
MATAWAN NJ 07747 1 08/09/99 10
0431416593 01 10/01/99 25
11004 O 09/01/29
0
1936187 964/G02 F 37,750.00 ZZ
360 37,627.99 1
2120 LEMONTREE WAY #4 8.250 283.60 90
8.000 283.60 41,950.00
ANTIOCH CA 94509 1 07/19/99 04
0431419282 01 09/01/99 25
59523 N 08/01/29
0
1936322 227/G02 F 157,660.00 ZZ
360 157,564.49 1
450 SUGAR CREEK ROAD 8.500 1,212.27 72
8.250 1,212.27 220,000.00
GOREVILLE IL 62939 2 11/19/99 00
0431682129 05 01/01/00 0
1855719 O 12/01/29
0
1936551 637/G02 F 33,200.00 T
360 33,022.50 1
4317 HARTFORD #207 9.000 267.14 90
8.750 267.14 36,900.00
DALLAS TX 75219 1 07/28/99 11
0431424084 01 09/01/99 25
0017520826 O 08/01/29
0
1
1937105 B75/G02 F 53,910.00 T
360 53,799.80 1
433 BURGUNDY #8 9.375 448.40 90
9.125 448.40 59,900.00
NEW ORLEANS LA 70122 1 09/03/99 11
0431480656 01 10/01/99 25
1741818 O 09/01/29
0
1937647 N27/G02 F 23,250.00 ZZ
360 23,204.86 1
1516 BAY AREA BLVD #J-10 9.625 197.63 75
9.375 197.63 31,000.00
HOUSTON TX 77058 1 08/19/99 00
0431432616 01 10/01/99 0
3003485 O 09/01/29
0
1938153 Q25/G02 F 119,450.00 ZZ
360 119,186.08 1
9439 WEST ROSS AVENUE 9.000 961.12 90
8.750 961.12 133,000.00
PEORIA AZ 85382 1 08/19/99 10
0431446327 05 10/01/99 25
0000 N 09/01/29
0
1938185 227/G02 F 35,000.00 ZZ
240 34,729.79 1
3B WOODS END CIRCLE 8.875 312.10 67
8.625 312.10 53,000.00
PEEKSKILL NY 10566 1 08/06/99 00
0431452762 01 09/01/99 0
1773603 O 08/01/19
0
1939543 R21/G02 F 39,730.00 ZZ
360 39,692.79 1
957 E 61ST 2ND FLOOR 9.750 341.34 90
9.500 341.34 44,150.00
CHICAGO IL 60637 1 10/13/99 10
0431582550 01 12/01/99 30
TONEY O 11/01/29
0
1940146 H19/G02 F 112,500.00 ZZ
360 112,319.01 4
2305 PATTERSON ROAD 9.125 915.34 90
8.875 915.34 125,000.00
1
KETTERING OH 45420 1 09/16/99 12
0431513795 05 11/01/99 25
2161388 N 10/01/29
0
1940232 811/G02 F 70,500.00 ZZ
360 70,359.64 2
271-279 NE 40TH COURT 9.500 592.80 75
9.250 592.80 94,000.00
OAKLAND PARK FL 33334 1 08/23/99 00
0431458892 05 10/01/99 0
00120149 N 09/01/29
0
1940340 758/G02 F 148,300.00 ZZ
360 148,300.00 1
2301-2303 AXIS COURT 8.875 1,179.94 90
8.625 1,179.94 166,400.00
COLLEGE STATION TX 77845 1 12/14/99 11
0431743020 05 02/01/00 25
9999999999 N 01/01/30
0
1940861 253/253 F 37,500.00 ZZ
360 37,412.72 1
2400 JUPITER ROAD 8.750 295.02 75
8.500 295.02 50,000.00
PLANO TX 75074 1 08/25/99 00
943565 01 10/01/99 0
943565 O 09/01/29
0
1941253 562/G02 F 34,110.00 ZZ
360 33,875.38 1
2950 MADISON AVENUE UNIT H 9.500 286.82 90
9.250 286.82 37,900.00
BRIDGEPORT CT 06604 1 09/07/99 04
0431469170 01 11/01/99 25
627380 O 10/01/29
0
1941609 M46/G02 F 96,300.00 ZZ
360 96,097.97 4
2502 2508 N PALO VERDE BLVD 9.250 792.24 90
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TUCSON AZ 85716 2 08/31/99 14
0431700434 05 10/01/99 25
6780010 N 09/01/29
0
1
1941626 L42/G02 F 157,500.00 ZZ
360 156,653.22 1
9276 275TH ST E 9.125 1,281.48 70
8.875 1,281.48 225,000.00
ELKO MN 55020 1 09/01/99 00
0431473529 05 10/01/99 0
40575 O 09/01/29
0
1942156 E23/G02 F 126,000.00 ZZ
360 125,812.58 3
44418 44418 1/2 44420 BEECH 9.500 1,059.48 90
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LANCASTER CA 93534 1 09/01/99 04
0431472935 05 11/01/99 25
50507385 N 10/01/29
0
1942614 931/G02 F 38,000.00 ZZ
360 37,933.91 1
66 ATHOL ST 8.750 298.95 95
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KILLINGLY CT 06239 1 09/24/99 14
0431515733 05 11/01/99 30
047148 O 10/01/29
0
1942904 638/G02 F 51,300.00 ZZ
360 51,176.26 1
6900 SKILLMAN STREET 9.250 422.03 95
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0431489129 01 10/01/99 30
08918390 O 09/01/29
0
1943804 737/G02 F 183,200.00 ZZ
360 182,815.69 1
10453 E. HILLERY DRIVE 9.250 1,507.14 90
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0431575471 05 10/01/99 25
962296 N 09/01/29
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1944114 P92/G02 F 26,910.00 T
360 26,807.21 1
1
450 W 7TH UNIT 100-0302-D 7.875 195.12 90
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TULSA OK 74119 1 09/17/99 04
0431506799 01 11/01/99 25
0600195 O 10/01/29
0
1944333 001/G02 F 54,000.00 ZZ
360 53,747.78 1
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0431507409 01 11/01/99 0
1535473 O 10/01/29
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360 50,282.73 1
1121 FARMER STREET 8.750 396.50 78
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0431504273 05 10/01/99 0
7654788 O 09/01/29
0
1944729 A78/G02 F 180,000.00 ZZ
360 179,418.16 4
1553 1553 1/2 HIGH STREET 8.250 1,352.28 63
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04000071 N 08/01/29
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1944742 G52/G02 F 30,000.00 ZZ
360 29,947.84 1
372 C SOUTH PASEO PENA 8.750 236.01 80
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0431507789 01 11/01/99 0
95000367 O 10/01/29
0
1944874 129/G02 F 44,000.00 ZZ
360 43,955.39 1
7 HINES AV 9.375 365.97 49
9.125 365.97 90,000.00
CARVER MA 02355 5 10/20/99 00
0431611003 05 12/01/99 0
1
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0431593649 05 12/01/99 25
1945136 O 11/01/29
0
1945403 L47/G02 F 50,000.00 ZZ
360 49,884.96 1
414 HAVEN LAKE AVENUE 8.375 380.04 61
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9802683 O 10/01/29
0
1945622 Q69/G02 F 36,300.00 ZZ
360 36,031.41 1
1304 SUMMIT STREET #204 8.500 279.12 80
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0431516392 01 11/01/99 0
9908001 O 10/01/29
0
1945726 A63/G02 F 125,000.00 ZZ
360 124,936.87 3
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0431653740 05 01/01/00 0
213 N 12/01/29
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1946145 742/G02 F 49,118.00 ZZ
360 49,089.01 1
489 CENTER VALLEY ROAD 8.625 382.03 60
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0431732239 05 01/01/00 0
4861423 O 12/01/29
0
1
1946517 486/G02 F 37,000.00 ZZ
360 36,938.89 1
151 BAY MAR DRIVE 9.000 297.72 22
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0431554294 05 11/01/99 0
427415 O 10/01/29
0
1946536 687/G02 F 90,250.00 ZZ
360 90,204.43 4
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0431697614 05 01/01/00 25
9908191068 O 12/01/29
0
1946987 L42/G02 F 83,700.00 ZZ
360 83,575.50 1
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0431545235 05 11/01/99 25
15900003 N 10/01/29
0
1947035 313/G02 F 27,000.00 ZZ
360 26,958.75 1
519 WEST 6TH STREET 9.375 224.58 90
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0431530740 05 11/01/99 25
8174984538 O 10/01/29
0
1947049 A22/G02 F 216,000.00 ZZ
360 216,000.00 1
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LYNBROOK NY 11563 1 12/27/99 00
0431741735 05 02/01/00 0
99295 O 01/01/30
0
1947085 966/G02 F 49,400.00 ZZ
360 49,278.32 1
7340 SKILLMAN STREET 8.625 384.23 95
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1
DALLAS TX 75231 1 09/22/99 14
0431538123 01 11/01/99 30
30013367 O 10/01/29
0
1947297 P92/G02 F 38,790.00 ZZ
360 38,739.09 1
450 WEST 7TH 8.125 288.01 90
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TULSA OK 74119 1 10/07/99 04
0431555168 01 12/01/99 25
0600201 O 11/01/29
0
1947361 A60/G02 F 30,000.00 ZZ
360 29,985.24 1
112 HORTON AVENUE 9.500 252.26 16
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VALLEY STREAM NY 11580 5 11/01/99 00
0431610583 05 01/01/00 0
61286 O 12/01/29
0
1947657 N19/G02 F 78,700.00 ZZ
360 78,657.01 1
8124 NORTH COURT STREET 9.000 633.24 80
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CANASTOTA NY 13032 1 11/19/99 00
0431729771 05 01/01/00 0
RIELLE O 12/01/29
0
1947836 196/G02 F 120,000.00 ZZ
360 119,934.45 1
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0431728195 01 01/01/00 0
1350157 O 12/01/29
0
1948116 E45/G02 F 48,600.00 ZZ
360 48,513.29 1
10 STONE STREET 8.625 378.01 90
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GAINESVILLE GA 30501 1 09/13/99 04
0431547918 05 11/01/99 25
56491 O 10/01/29
0
1
1948173 Q28/G02 F 45,000.00 ZZ
360 44,979.01 1
4877 EAST 84TH STREET 9.750 386.62 90
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GARFIELD HEIGHT OH 44125 1 11/30/99 12
0431717750 05 01/01/00 30
0000 N 12/01/29
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1948192 G41/G02 F 131,250.00 ZZ
360 131,051.70 1
817 BURBANK AVENUE 9.500 1,103.97 75
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SANTA ROSA CA 95407 2 09/17/99 00
0431729342 05 11/01/99 0
61109802 O 10/01/29
0
1948319 637/G02 F 30,400.00 ZZ
360 30,344.35 1
1943 IDLEWOOD CIRCLE 8.500 233.75 80
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HANFORD CA 93230 1 09/15/99 00
0431593383 05 11/01/99 0
0013956081 N 10/01/29
0
1948721 H87/G02 F 180,000.00 ZZ
360 179,890.96 1
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0431691195 03 01/01/00 0
N499101402MH O 12/01/29
0
1949513 771/G02 F 40,800.00 ZZ
360 40,779.40 2
1721 BECKER ST 9.375 339.35 80
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SCHENECTADY NY 12304 1 11/12/99 00
0431658772 05 01/01/00 0
991713C O 12/01/29
0
1949532 163/G02 F 50,350.00 ZZ
360 50,266.87 1
1
8011-B GREENSPRING WAY 9.000 405.13 73
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OWINGS MILLS MD 21117 1 09/29/99 00
0431569938 01 11/01/99 0
217104599 O 10/01/29
0
1950302 601/G02 F 208,000.00 ZZ
360 207,638.36 1
425 DOZIER AVE 8.750 1,636.34 80
8.500 1,636.34 260,000.00
CANON CITY CO 81212 5 09/20/99 00
0431584192 05 11/01/99 0
6011943 O 10/01/29
0
1950305 209/G02 F 40,000.00 ZZ
360 40,000.00 1
3414 FAIRVIEW AVENUE 9.500 336.35 56
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BALTIMORE MD 21216 5 12/13/99 00
0431741768 05 02/01/00 0
992020709 N 01/01/30
0
1950426 L47/G02 F 53,250.00 ZZ
360 53,196.01 1
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MIFFLINVILLE PA 18631 5 10/11/99 00
0431588128 05 12/01/99 0
0059802734 O 11/01/29
0
1950480 M74/G02 F 46,550.00 ZZ
360 46,498.96 1
4145 NW 90TH AVENUE #201 9.000 374.55 95
8.750 374.55 49,000.00
CORAL SPRINGS FL 33065 1 11/01/99 10
0431604131 01 12/01/99 30
990954W O 11/01/29
0
1950486 S64/G02 F 34,000.00 ZZ
360 33,980.94 1
5210 BOY SCOUT ROAD 8.875 270.52 42
8.625 270.52 81,000.00
INDIANAPOLIS IN 46226 5 11/10/99 00
0431652619 05 01/01/00 0
1
3900212 O 12/01/29
0
1950653 N66/G02 F 45,500.00 T
360 45,478.20 1
WHIFFLETREE CONDOS #C-7 9.625 386.75 65
9.375 386.75 70,000.00
KILLINGTON VT 05751 1 11/16/99 00
0431630565 20 01/01/00 0
99M0413 O 12/01/29
0
1950734 134/G02 F 124,000.00 ZZ
360 123,935.71 1
0286 EAGLE ROAD 9.250 1,020.12 80
UNIT B 9.000 1,020.12 155,000.00
AVON CO 81620 1 11/05/99 00
0431696871 09 01/01/00 0
9046095 O 12/01/29
0
1950744 K15/G02 F 115,200.00 ZZ
360 115,073.67 1
2005 2007 HARRINGTON CIRCLE NO 9.000 926.93 80
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RENTON WA 98056 1 10/06/99 00
0431587823 05 12/01/99 0
000 O 11/01/29
0
1950758 313/G02 F 58,950.00 ZZ
360 58,921.76 2
2776-78 NORTH 50TH STREET 9.625 501.07 90
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MILWAUKEE WI 53216 1 11/24/99 10
0431670561 05 01/01/00 25
0006893937 N 12/01/29
0
1950825 196/G02 F 88,200.00 ZZ
360 88,156.61 1
17157 MOSS SIDE LANE 9.500 741.64 90
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ONLEY MD 20832 1 11/02/99 04
0431737204 01 01/01/00 25
1352683 N 12/01/29
0
1
1951068 K15/G02 F 66,600.00 ZZ
360 66,565.48 1
3642 MAIN AVE NW 9.250 547.90 90
9.000 547.90 74,000.00
HICKORY NC 28601 5 10/21/99 10
0431584143 05 12/01/99 25
017405300338 O 11/01/29
0
1951132 H87/G02 F 104,300.00 ZZ
360 104,300.00 1
275 GREENWICH STREET #2PS 9.750 896.10 70
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NEW YORK NY 10007 1 12/14/99 00
0431715218 08 02/01/00 0
99092901 O 01/01/30
0
1951146 705/G02 F 58,050.00 ZZ
360 58,050.00 1
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MASTIC BEACH NY 11951 1 12/07/99 01
0431699271 05 02/01/00 30
99030716 N 01/01/30
0
1951453 A33/G02 F 193,500.00 ZZ
360 193,402.28 4
1180 ELSINORE AVENUE 9.375 1,609.44 90
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WASILLA AK 99654 1 11/16/99 10
0431706332 05 01/01/00 30
0385289 O 12/01/29
0
1951468 H37/G02 F 113,000.00 ZZ
240 112,805.15 1
1601 SAND BEACH ROAD 7.875 936.41 40
7.625 936.41 287,000.00
HUMMELSTOWN PA 17036 5 11/11/99 00
0431695428 05 01/01/00 0
00220333 O 12/01/19
0
1951511 992/G02 F 187,000.00 ZZ
360 186,883.76 1
2 PARK PLACE 8.375 1,421.34 72
8.125 1,421.34 260,000.00
1
SPARKILL NY 10976 5 11/15/99 00
0431718428 05 01/01/00 0
377030 O 12/01/29
0
1951761 A32/G02 F 175,000.00 ZZ
360 174,893.98 1
4328 SEVILLE STREET 8.500 1,345.60 54
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LAS VEGAS NV 89121 1 11/10/99 00
0431665785 05 01/01/00 0
137033 O 12/01/29
0
1951806 P63/G02 F 103,500.00 ZZ
360 103,446.34 1
140 BERRY STREET 9.250 851.47 75
9.000 851.47 138,000.00
HACKENSACK NJ 07601 2 11/30/99 00
0431691302 05 01/01/00 0
191806 N 12/01/29
0
1951865 K15/G02 F 148,500.00 ZZ
360 148,273.26 4
1933 ALWILL STREET 9.375 1,235.15 90
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LAS VEGAS NV 89106 1 09/21/99 01
0431589019 05 11/01/99 25
1743947 O 10/01/29
0
1952009 225/225 F 65,075.00 ZZ
360 64,889.84 3
71 MILL STREET 8.875 517.77 95
8.625 517.77 68,500.00
NEW BRITAIN CT 06037 1 07/12/99 11
7143912 05 09/01/99 30
7143912 O 08/01/29
0
1952017 225/225 F 154,400.00 ZZ
360 153,734.81 1
2908 N NEENAN 8.500 1,187.21 80
8.250 1,187.21 193,000.00
CHICAGO IL 60634 1 08/10/99 00
7150023 05 10/01/99 0
7150023 O 09/01/29
0
1
1952135 225/225 F 130,000.00 ZZ
360 129,651.23 1
22133 COHASSET STREET 8.375 988.10 77
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CANOGA PARK ARE CA 91303 2 08/06/99 00
7150219 05 10/01/99 0
7150219 O 09/01/29
0
1952145 225/225 F 256,000.00 ZZ
360 255,529.27 4
202 PARK AVENUE 9.500 2,152.59 90
9.250 2,152.59 285,000.00
HOBOKEN NJ 07030 1 09/15/99 12
7149868 07 11/01/99 25
7149868 O 10/01/29
0
1952173 225/225 F 103,500.00 ZZ
360 103,179.59 1
65 NORTH PARADISE WAY 8.875 823.50 95
8.625 823.50 109,000.00
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7145730 05 09/01/99 30
7145730 O 08/01/29
0
1952187 G18/G02 F 64,600.00 ZZ
360 64,537.87 1
1705 SW 7 1/2 STREET 9.625 549.09 95
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WILLMAR MN 56201 1 10/29/99 12
0431598598 05 12/01/99 30
359442 O 11/01/29
0
1952242 A02/G02 F 144,300.00 ZZ
360 144,157.49 1
1615 PORTSMITH 9.500 1,213.35 90
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ARLLINGTON HIEG IL 60004 1 10/22/99 10
0431627108 01 12/01/99 25
01992093 O 11/01/29
0
1952301 952/G02 F 192,000.00 ZZ
360 192,000.00 1
1
31 SPRING VALLEY ROAD 8.750 1,510.47 80
8.500 1,510.47 240,000.00
PARAMUS NJ 07652 5 12/09/99 00
0431726819 05 02/01/00 0
99003178 O 01/01/30
0
1952310 966/G02 F 47,700.00 ZZ
360 47,652.89 1
119 WEST COLLEGE STREET 9.500 401.09 90
9.250 401.09 53,000.00
DENTON TX 76201 1 10/15/99 14
0431605278 05 12/01/99 25
30013446 O 11/01/29
0
1952410 225/225 F 37,125.00 ZZ
360 37,016.59 1
562 NORTH FIFTH P O BOX 8.750 292.07 75
8.500 292.07 49,500.00
LILBOURN MO 63862 2 07/13/99 00
714039500 05 09/01/99 0
714039500 O 08/01/29
0
1952413 225/225 F 50,000.00 T
360 49,853.99 1
9725 EAST HARVARD AVENUE #V364 8.750 393.36 63
8.500 393.36 80,000.00
DENVER CO 80231 5 08/02/99 00
7149392 01 09/01/99 0
7149392 O 08/01/29
0
1952459 G52/G02 F 45,000.00 ZZ
360 44,945.29 1
51902 SUBAL PINE 8.500 346.01 64
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LAPINE OR 97739 2 10/22/99 00
0431622372 03 12/01/99 0
89502482 O 11/01/29
0
1952461 742/G02 F 46,200.00 ZZ
360 46,148.01 1
343 MILES AVENUE 8.875 367.59 70
8.625 367.59 66,000.00
SYRACUSE NY 13210 1 10/29/99 00
0431601616 05 12/01/99 0
1
4858643 O 11/01/29
0
1952472 K15/G02 F 113,400.00 ZZ
360 113,288.46 1
145-47 NEVADA AVENUE 9.500 953.30 90
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VISTA CA 92084 1 10/25/99 12
0431603158 05 12/01/99 25
3001119 O 11/01/29
0
1952515 687/G02 F 49,000.00 ZZ
360 48,971.07 1
8606 NW 59TH COURT 8.625 381.12 53
8.375 381.12 94,000.00
TAMARAC FL 33321 1 11/15/99 00
0431656081 03 01/01/00 0
9911050504 O 12/01/29
0
1952531 R58/G02 F 93,600.00 ZZ
360 93,600.00 1
5812 PATRICK HENRY DRIVE 8.875 744.72 80
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0431714054 05 02/01/00 0
0379525 N 01/01/30
0
1952538 M65/G02 F 156,350.00 ZZ
360 156,350.00 1
99 HILL STREET 8.500 1,202.20 75
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NEW ROCHELLE NY 10801 1 12/09/99 00
0431689421 05 02/01/00 0
LOAIZA O 01/01/30
0
1952616 N55/G02 F 70,000.00 ZZ
360 70,000.00 1
310 SOUTH ROYS AVENUE 8.750 550.69 90
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COLUMBUS OH 43204 1 12/16/99 04
0431728401 05 02/01/00 30
31244 N 01/01/30
0
1
1952619 624/G02 F 56,300.00 ZZ
360 56,244.40 1
1407 WARRIOR LANE 9.500 473.40 90
9.250 473.40 62,600.00
DEL VALLE TX 78617 1 10/27/99 11
0431604511 05 12/01/99 25
8230029048 O 11/01/29
0
1952633 637/G02 F 142,500.00 ZZ
360 142,366.48 4
706 JOLLY AVENUE #9-12 9.750 1,224.30 95
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CLARKSTON GA 30021 1 10/22/99 10
0431607423 05 12/01/99 30
12059424 O 11/01/29
0
1952638 225/225 F 174,000.00 ZZ
240 172,480.05 3
784 EAST 23RD STREET 7.875 1,441.90 85
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PATERSON NJ 07513 2 07/13/99 10
714068200 05 09/01/99 12
714068200 O 08/01/19
0
1952644 637/G02 F 187,000.00 ZZ
360 186,439.96 1
152 LOS OLIVOS AVENUE 8.625 1,454.47 85
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DALY CITY CA 94014 1 07/08/99 11
0431720051 05 09/01/99 20
10989945 N 08/01/29
0
1952645 225/225 F 94,250.00 ZZ
360 94,073.03 4
4910 COTTON ROW 8.375 716.37 90
8.125 716.37 104,750.00
HUNTSVILLE AL 35816 1 10/01/99 14
715264200 05 11/01/99 25
715264200 O 10/01/29
0
1952654 K15/G02 F 174,600.00 ZZ
360 174,364.92 4
5070 PALO VERDE ROAD 8.000 1,281.15 90
7.750 1,281.15 194,000.00
1
LAS VEGAS NV 89119 1 10/13/99 01
0431632017 05 12/01/99 25
1750984 O 11/01/29
0
1952670 G69/G02 F 41,800.00 ZZ
360 41,800.00 1
16400 NE 17TH AVENUE #106 9.250 343.88 95
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0431746585 08 02/01/00 30
0600243 O 01/01/30
0
1952796 227/G02 F 59,920.00 ZZ
360 59,887.27 2
607 MINOR 9.000 482.13 80
8.750 482.13 74,900.00
KALAMAZOO MI 49008 1 11/19/99 00
0431683325 05 01/01/00 0
1858741 N 12/01/29
0
1952879 N34/G02 F 37,050.00 ZZ
360 37,032.25 1
7337 S SHORE DRIVE UNIT 509 9.625 314.92 95
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CHICAGO IL 60649 1 11/18/99 10
0431650357 06 01/01/00 30
1952879 O 12/01/29
0
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0007552102 O 09/01/29
0
1955992 593/593 F 110,000.00 ZZ
360 109,734.53 1
14843 NW YELLOWBERRY WAY 8.125 816.75 53
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0
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360 184,000.00 2
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0431737022 05 02/01/00 0
0000 N 01/01/30
0
1
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360 158,315.71 1
1290 EUDORA 9.125 1,288.79 90
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DENVER CO 80220 1 11/18/99 12
0431702190 05 01/01/00 25
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0
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360 93,000.00 1
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55680 CAMPSITE DRIVE 8.250 383.15 68
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0
1956106 Q59/G02 F 156,000.00 ZZ
360 156,000.00 4
21114, 21114 1/2, 21116, 21116 9.000 1,255.21 80
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HAWAIIAN GARDEN CA 90716 1 11/30/99 00
0431705201 05 02/01/00 0
99001433 N 01/01/30
0
1956107 B26/G02 F 143,000.00 ZZ
360 143,000.00 3
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0431741982 07 02/01/00 0
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0
1956140 815/G02 F 182,000.00 ZZ
360 181,576.53 2
1
978 EAST 81ST STREET 8.750 1,431.80 65
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0431654748 07 10/01/99 0
303667 N 09/01/29
0
1956144 815/G02 F 130,000.00 ZZ
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0431654730 05 09/01/99 0
305361 O 08/01/29
0
1956158 624/G02 F 116,000.00 ZZ
360 116,000.00 1
1184 E RICE RANCH ROAD 8.250 871.47 80
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SANTA MARIA CA 93455 2 12/07/99 00
0431732965 05 02/01/00 0
72014690833F O 01/01/30
0
1956172 F62/G02 F 193,500.00 ZZ
360 193,382.77 2
1 SAILFISH LANE 8.500 1,487.85 90
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02191957 O 12/01/29
0
1956191 966/G02 F 49,000.00 ZZ
360 48,975.90 1
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SANGER TX 76266 5 11/19/99 00
0431659614 05 01/01/00 0
30013754 O 12/01/29
0
1956208 Q83/G02 F 54,400.00 ZZ
360 54,367.04 1
313 OXFORD PLACE 8.500 418.29 80
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DIVIDE CO 80814 1 11/24/99 00
0431658145 05 01/01/00 0
1
0382827 O 12/01/29
0
1956287 F18/G02 F 195,200.00 ZZ
360 195,084.75 1
162 SHAKESPEARE STREET 8.625 1,518.25 80
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SAN FRANCISCO CA 94112 1 11/16/99 00
0431716000 05 01/01/00 0
02286 O 12/01/29
0
1956304 815/G02 F 182,000.00 ZZ
360 181,874.75 2
4770 BARNES AVENUE 7.875 1,319.63 72
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BRONX NY 10470 5 11/08/99 00
0431655794 05 01/01/00 0
306204 O 12/01/29
0
1956306 966/G02 F 35,000.00 ZZ
360 34,982.78 1
111 SOUTH 5TH STREET 9.500 294.30 70
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SANGER TX 76266 5 11/19/99 00
0431655448 05 01/01/00 0
30013841 O 12/01/29
0
1956368 P34/G02 F 220,000.00 ZZ
360 217,471.50 1
893 GREENVILLE AVENUE 6.750 1,426.92 80
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SMITHFIELD RI 02828 2 08/26/99 00
0431726215 05 10/01/99 0
61225 O 09/01/29
0
1956371 593/593 F 63,680.00 ZZ
360 63,507.33 1
3640 SCOTCH PINE #1 8.000 467.27 80
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7622087 O 09/01/29
0
1
1956378 N55/G02 F 43,120.00 ZZ
360 43,120.00 1
5453 NEWPORT ROAD 8.875 343.08 80
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COLUMBUS OH 43232 1 12/06/99 00
0431729599 05 02/01/00 0
31251 N 01/01/30
0
1956396 L04/G02 F 86,580.00 ZZ
360 86,580.00 1
3525 ADAMS ST 9.000 696.64 90
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DENVER CO 80207 1 12/15/99 10
0431726348 05 02/01/00 25
GELLER N 01/01/30
0
1956397 742/G02 F 61,200.00 ZZ
360 61,169.90 1
6 GARY DRIVE 9.500 514.60 90
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HYDE PARK NY 12538 1 11/17/99 04
0431651694 05 01/01/00 17
4878435 O 12/01/29
0
1956405 593/593 F 65,000.00 ZZ
360 64,912.47 1
101 LINK AVE NW 8.000 476.95 52
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MORIARTY NM 87035 1 10/28/99 00
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0007277668 O 11/01/29
0
1956406 593/593 F 59,000.00 ZZ
360 58,840.02 1
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ALBUQUERQUE NM 87105 5 08/25/99 00
0007299241 05 10/01/99 0
0007299241 O 09/01/29
0
1956410 593/593 F 135,450.00 ZZ
360 135,182.37 1
3403 W MONESSEN LANE 8.125 1,005.72 80
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1
MERIDIAN ID 83642 1 09/30/99 00
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0
1956411 593/593 F 139,200.00 ZZ
360 138,841.25 1
260 NORTH 800 EAST 8.250 1,045.77 80
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NORTH LOGAN UT 84341 1 08/30/99 00
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0
1956417 687/G02 F 42,000.00 ZZ
360 42,000.00 2
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BUFFALO NY 14213 5 12/16/99 00
0431741792 05 02/01/00 0
9911171377 N 01/01/30
0
1956420 Q44/G02 F 114,400.00 ZZ
360 114,400.00 1
4783 GROVE COURT 8.750 899.99 80
8.500 899.99 143,010.00
CANTON MI 48188 1 12/22/99 00
0431732007 01 02/01/00 0
11369 O 01/01/30
0
1956426 742/G02 F 45,000.00 ZZ
360 45,000.00 4
19 PLEASANT VIEW STREET 9.375 374.29 45
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0431736263 05 02/01/00 0
4893426 N 01/01/30
0
1956447 R02/G02 F 42,750.00 ZZ
360 42,726.03 1
5818 EAST UNIVERSITY BOULEVARD 8.875 340.14 95
#121 8.625 340.14 45,000.00
DALLAS TX 75206 1 11/18/99 04
0431654011 04 01/01/00 30
2033 O 12/01/29
0
1
1956451 593/593 F 240,000.00 ZZ
360 239,349.38 1
4765 SW SAUM WAY 8.000 1,761.04 75
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TUALATIN OR 97062 1 08/30/99 00
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0007378086 O 09/01/29
0
1956453 593/593 F 55,000.00 ZZ
360 54,850.86 1
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BOISE ID 83704 1 08/18/99 00
0007484629 05 10/01/99 0
0007484629 O 09/01/29
0
1956463 H19/G02 F 25,040.00 ZZ
360 25,040.00 1
125 SE 32ND CT 8.750 196.99 80
8.500 196.99 31,300.00
DES MOINES IA 50317 1 12/03/99 00
0431711118 05 02/01/00 0
0383069 O 01/01/30
0
1956537 F44/G02 F 59,700.00 ZZ
240 59,528.91 1
12 GROVE STREET 9.375 551.62 85
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MASSENA NY 13662 5 10/28/99 10
0431655083 05 12/01/99 12
210913 O 11/01/19
0
1956596 N94/G02 F 140,250.00 ZZ
360 140,171.38 2
82 ALLEN AVENUE 8.875 1,115.89 85
8.625 1,115.89 165,000.00
PORTLAND ME 04103 5 11/23/99 11
0431709534 05 01/01/00 17
CADY O 12/01/29
0
1956623 S30/G02 F 54,000.00 ZZ
240 53,549.49 1
1
605 WEST OAK STREET 8.250 460.12 49
8.000 460.12 112,000.00
FORT COLLINS CO 80521 5 07/23/99 00
0431720929 05 09/01/99 0
522327937 O 08/01/19
0
1956745 593/593 F 108,200.00 ZZ
360 107,980.72 1
5170 SOUTH SURPRISE WAY #103 8.000 793.94 80
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BOISE ID 83716 1 09/16/99 00
007485097 01 11/01/99 0
007485097 O 10/01/29
0
1956828 K15/G02 F 66,400.00 ZZ
360 66,327.19 1
1712 PINE GROVE AVENUE 9.000 534.27 80
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JACKSONVILLE FL 32205 1 10/28/99 00
0431665272 05 12/01/99 0
3001531 O 11/01/29
0
1956852 E23/G02 F 135,000.00 ZZ
360 134,916.09 3
2503,2511,2513 ELLENDALE PLACE 8.375 1,026.10 75
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LOS ANGELES CA 90007 5 11/18/99 00
0431665199 05 01/01/00 0
50507924 O 12/01/29
0
1956853 E23/G02 F 237,000.00 ZZ
360 236,852.69 1
3962 RICHARDSON ROAD NE 8.375 1,801.37 75
8.125 1,801.37 316,000.00
SCOTTS MILLS OR 97375 5 11/24/99 00
0431665009 05 01/01/00 0
70501862 O 12/01/29
0
1956857 F88/G02 F 121,600.00 ZZ
360 121,524.42 4
1302 NORTH 48TH PLACE 8.375 924.25 80
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PHOENIX AZ 85008 2 11/16/99 00
0431655893 05 01/01/00 0
1
69909150 O 12/01/29
0
1957010 G69/G02 F 120,000.00 ZZ
360 120,000.00 1
405 GARFORD ROAD 8.875 954.78 80
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GENEVA OH 44041 5 12/14/99 00
0431729359 05 02/01/00 0
079B005 O 01/01/30
0
1957051 B23/G02 F 200,000.00 ZZ
360 200,000.00 1
21821 LANAR 8.625 1,555.58 80
8.375 1,555.58 250,000.00
MISSION VIEJO CA 92692 1 12/08/99 00
0431720564 03 02/01/00 0
88003699 O 01/01/30
0
1957084 K15/G02 F 76,800.00 ZZ
360 76,761.22 2
7 W 27TH STREET 9.375 638.78 80
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WILMINGTON DE 19802 1 11/18/99 00
0431686310 05 01/01/00 0
3003860 N 12/01/29
0
1957088 163/G02 F 45,000.00 ZZ
360 44,972.73 1
14 CURTIS STREET UNIT B 8.500 346.02 38
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SALEM MA 01970 1 11/16/99 00
0431661784 01 01/01/00 0
1900030010 O 12/01/29
0
1957089 B65/G02 F 95,000.00 ZZ
360 95,000.00 1
921 WESTLAND DRIVE 8.750 747.37 78
8.500 747.37 122,000.00
MEDINA OH 44256 1 12/01/99 00
0431660620 09 02/01/00 0
0386509 O 01/01/30
0
1
1957091 700/G02 F 34,200.00 ZZ
360 34,179.81 1
18617 EGRET BAY BLVD #312 8.625 266.00 95
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WEBSTER TX 77598 1 11/23/99 04
0431697879 01 01/01/00 30
0000150808 O 12/01/29
0
1957201 K15/G02 F 76,000.00 ZZ
360 75,871.23 1
865 VIVIAN COURT 8.875 604.69 80
8.625 604.69 95,000.00
PLACERVILLE CA 95667 1 09/01/99 00
0431673052 05 11/01/99 0
1686161 N 10/01/29
0
1957202 K15/G02 F 112,000.00 ZZ
360 111,800.21 1
9221 SW 55 COURT 8.625 871.12 80
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COPPER CITY FL 33328 1 09/10/99 00
0431672997 05 11/01/99 0
1998582 O 10/01/29
0
1957204 K15/G02 F 143,100.00 ZZ
360 142,758.38 1
117 CLARK WAY 8.625 1,113.02 90
8.375 1,113.02 159,000.00
VACAVILLE CA 95687 1 08/30/99 04
0431672880 05 10/01/99 25
1711191 O 09/01/29
0
1957208 K15/G02 F 132,500.00 ZZ
360 132,251.19 3
3733-3737 LOGAN AVENUE 8.375 1,007.10 95
8.125 1,007.10 139,500.00
SAN DIEGO CA 92113 1 09/02/99 01
0431673029 05 11/01/99 30
1998004 O 10/01/29
0
1957209 K15/G02 F 172,500.00 ZZ
360 172,138.11 1
7809 SUVA STREET 9.250 1,419.12 75
9.000 1,419.12 230,000.00
1
DOWNEY CA 90240 1 08/26/99 00
0431672971 05 10/01/99 0
1736610 O 09/01/29
0
1957213 420/G02 F 69,600.00 ZZ
360 69,600.00 1
966 BORDEN VILLA DRIVE #211 8.500 535.17 80
8.250 535.17 87,000.00
SANTA ROSA CA 95401 1 12/13/99 00
0431734367 01 02/01/00 0
0000437350 O 01/01/30
0
1957215 758/G02 F 116,900.00 T
360 116,900.00 1
301 EAST 4TH STREET #311 8.250 878.23 90
8.000 878.23 130,000.00
AUSTIN TX 78701 1 12/13/99 11
0431743061 01 02/01/00 25
000 O 01/01/30
0
1957223 687/G02 F 204,800.00 ZZ
360 204,800.00 1
402 WOODLAKE DRIVE NORTH 8.750 1,611.16 79
8.500 1,611.16 260,000.00
COLUMBIA SC 29229 1 12/15/99 00
0431736198 03 02/01/00 0
9911030211 O 01/01/30
0
1957306 Q44/G02 F 210,000.00 ZZ
360 210,000.00 1
4309 TURMERIC DRIVE 9.500 1,765.80 75
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STERLING HEIGHT MI 48310 1 12/13/99 00
0431711076 05 02/01/00 0
11479 O 01/01/30
0
1957308 H49/G02 F 145,600.00 ZZ
360 145,600.00 1
1785 SOUTH FRANKLIN ROAD 8.000 1,068.36 80
7.750 1,068.36 182,000.00
GREENWOOD IN 46143 5 12/09/99 00
0431729391 05 02/01/00 0
317103 O 01/01/30
0
1
1957320 A02/G02 F 133,200.00 ZZ
360 133,137.86 4
5751 SOUTH CALIFORNIA AVENUE 9.750 1,144.39 90
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CHICAGO IL 60629 1 12/01/99 10
0431670199 07 01/01/00 25
07991826 N 12/01/29
0
1957335 M81/G02 F 86,625.00 T
360 86,625.00 1
10 PINEBOWER DR 8.250 650.79 75
8.000 650.79 115,500.00
ROME GA 30165 1 12/13/99 00
0431702133 05 02/01/00 0
MIGLIORE O 01/01/30
0
1957355 H47/G02 F 118,600.00 ZZ
360 118,526.28 1
1514 WICKLOW LANE 8.375 901.45 80
8.125 901.45 148,342.00
FORT COLLINS CO 80526 1 11/30/99 00
0431678952 03 01/01/00 0
FC198059 O 12/01/29
0
1957378 709/G02 F 35,000.00 ZZ
360 34,979.33 1
3125 N BUFFALO DRIVE #1114 8.625 272.23 47
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LAS VEGAS NV 89128 1 11/15/99 00
0431658731 01 01/01/00 0
999999 O 12/01/29
0
1957381 H47/G02 F 125,340.00 ZZ
360 125,264.06 1
601 DRYDEN LANE 8.500 963.76 80
8.250 963.76 156,680.00
BUDA TX 78610 1 11/29/99 00
0431665280 05 01/01/00 0
MC00160000537 O 12/01/29
0
1957395 K15/G02 F 124,000.00 ZZ
360 123,795.28 4
1
2005 NORTH NEWCOMB STREET 9.000 997.73 80
UNITS 1, 2, 3, 4 8.750 997.73 155,000.00
SAN BERNARDINO CA 92404 1 09/07/99 00
0431673086 05 11/01/99 0
1709260 O 10/01/29
0
1957398 N94/G02 F 175,000.00 ZZ
240 174,733.79 2
57 LINCOLN STREET 8.875 1,560.48 85
8.625 1,560.48 207,000.00
HUDSON MA 01749 5 11/23/99 11
0431702364 05 01/01/00 17
83361760 O 12/01/19
0
1957419 771/G02 F 155,120.00 ZZ
360 155,120.00 1
209 CONCORD HILL DRIVE 9.000 1,248.13 80
8.750 1,248.13 193,900.00
ALTAMONT NY 12009 1 12/17/99 00
0431731686 05 02/01/00 0
990919MM N 01/01/30
0
1957429 G18/G02 F 117,600.00 ZZ
360 117,535.76 1
1661 VAN BUREN AVENUE 9.000 946.24 80
8.750 946.24 147,000.00
ST PAUL MN 55104 1 11/29/99 00
0431666189 05 01/01/00 0
99170 O 12/01/29
0
1957431 R68/G02 F 36,150.00 ZZ
360 36,130.26 1
3777 NW 78 AVENUE #9E 9.000 290.87 89
8.750 290.87 41,000.00
HOLLYWOOD FL 33024 1 11/30/99 10
0431678960 01 01/01/00 25
995444 O 12/01/29
0
1957441 L47/G02 F 182,535.00 ZZ
360 182,432.67 1
138 FOREST DRIVE 8.875 1,452.33 85
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CAMP HILL PA 17011 5 11/15/99 04
0431721299 05 01/01/00 12
1
50063852 O 12/01/29
0
1957447 Q07/G02 F 26,910.00 ZZ
360 26,896.77 1
7044 VERONICA ROAD 9.500 226.27 90
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UPPER DARBY TOW PA 19082 1 11/29/99 10
0431711506 07 01/01/00 30
0000 N 12/01/29
0
1957474 163/G02 F 197,900.00 T
360 197,783.16 1
6570 ASTON CIRCLE 8.625 1,539.25 90
8.375 1,539.25 219,900.00
SPARKS NV 89436 1 11/09/99 10
0431696145 09 01/01/00 25
0217173792 O 12/01/29
0
1957479 765/G02 F 56,700.00 ZZ
360 56,670.60 1
10799 FLORAL STREET 9.250 466.46 90
9.000 466.46 63,000.00
ADELANTO CA 92301 1 11/16/99 14
0431660877 05 01/01/00 25
122983A N 12/01/29
0
1957480 765/G02 F 151,000.00 ZZ
360 150,915.34 1
11427 GWYNNE AVENUE 8.875 1,201.43 88
8.625 1,201.43 173,000.00
NORWALK CA 90650 2 11/15/99 04
0431660562 05 01/01/00 25
349690 N 12/01/29
0
1957519 533/G02 F 116,000.00 ZZ
360 116,000.00 1
12831 OLD FOOTHILL 8.875 922.95 45
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SANTA ANA CA 92705 5 12/07/99 00
0431738418 05 02/01/00 0
13654751 N 01/01/30
0
1
1957524 533/G02 F 247,450.00 ZZ
360 247,450.00 1
10651 RIDGEWAY DRIVE 8.875 1,968.83 70
8.625 1,968.83 353,500.00
SANTA ANA CA 92705 1 12/07/99 00
0431738442 05 02/01/00 0
13654744 N 01/01/30
0
1957534 405/405 F 179,050.00 ZZ
360 178,277.25 1
37 JOYCE DRIVE 8.750 1,408.59 95
8.500 1,408.59 188,500.00
HAUPPAGUE NY 11788 1 08/03/99 14
0016267825 05 10/01/99 30
0016267825 O 09/01/29
0
1957595 S27/G02 F 150,000.00 ZZ
360 149,915.90 1
325 SOUTH VILLAGE LANE 8.875 1,193.47 73
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CHADDS FORD PA 19317 1 11/10/99 00
0431664515 03 01/01/00 0
100035010200004 O 12/01/29
0
1957633 N81/G02 F 141,300.00 ZZ
360 141,300.00 1
27 GEORDIE LANE 9.375 1,175.26 95
9.125 1,175.26 148,808.00
HUBBARDSTON MA 01452 1 12/10/99 04
0431720952 05 02/01/00 30
0388118 O 01/01/30
0
1957667 N24/G02 F 168,750.00 ZZ
360 168,750.00 1
13805 EAST STATE HWY 86 8.500 1,297.54 75
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KIOWA CO 80017 5 12/10/99 00
0431714237 05 02/01/00 0
FREESE O 01/01/30
0
1957668 N24/G02 F 207,500.00 ZZ
360 207,500.00 1
7963 SOUTH PENNSYLVANIA DRIVE 8.125 1,540.68 80
7.875 1,540.68 260,000.00
1
LITTLETON CO 80122 2 12/10/99 00
0431717693 05 02/01/00 0
EGBERT O 01/01/30
0
1957678 811/G02 F 49,500.00 ZZ
360 49,475.66 1
4711 NORTHWEST 49TH DRIVE 9.500 416.22 90
9.250 416.22 55,000.00
TAMARAC FL 33319 1 11/26/99 10
0431660679 03 01/01/00 30
120883 N 12/01/29
0
1957687 P48/G02 F 60,900.00 ZZ
360 60,900.00 1
1714 EAST 8TH STREET 8.900 485.64 67
8.650 485.64 90,900.00
DULUTH MN 55812 1 12/16/99 00
0431720796 05 02/01/00 0
MILLER O 01/01/30
0
1957711 M46/G02 F 183,000.00 ZZ
360 182,883.31 1
5727 WATERWALK COURT 8.250 1,374.82 71
8.000 1,374.82 258,000.00
RICHMOND TX 77469 1 11/18/99 00
0431661172 03 01/01/00 0
7542021 O 12/01/29
0
1957731 573/G02 F 103,500.00 ZZ
360 103,437.28 1
2906 E CESAR E CHAVEZ AVENUE 8.500 795.83 90
8.250 795.83 115,000.00
LOS ANGELES CA 90033 1 11/22/99 11
0431678986 05 01/01/00 25
3200038 O 12/01/29
0
1957765 M63/G02 F 175,000.00 ZZ
360 174,899.31 1
10465 WEST ST FRANCIS AVENUE 8.750 1,376.73 78
8.500 1,376.73 225,000.00
GREENFIELD WI 53228 1 12/01/99 00
0431689660 05 01/01/00 0
9912702 O 12/01/29
0
1
1958060 K15/G02 F 54,400.00 ZZ
360 54,371.05 1
2147 10TH AVENUE 9.125 442.62 83
8.875 442.62 66,000.00
HUNTINGTON WV 25703 5 11/09/99 10
0431681683 05 01/01/00 12
004705300310 O 12/01/29
0
1958071 K15/G02 F 130,300.00 ZZ
360 130,221.07 1
135 17 225TH STREET 8.500 1,001.89 82
8.250 1,001.89 160,000.00
LAURELTON NY 11413 2 11/12/99 10
0431681592 07 01/01/00 12
021205300347 O 12/01/29
0
1958157 163/G02 F 110,000.00 ZZ
360 109,933.37 1
9100 WEST 20TH AVENUE 8.500 845.80 79
8.250 845.80 140,000.00
LAKEWOOD CO 80215 2 11/17/99 00
0431694264 05 01/01/00 0
1817179591 O 12/01/29
0
1958172 J73/G02 F 97,900.00 ZZ
360 97,850.55 1
5660 NW 115TH CT #211 9.375 814.29 80
9.125 814.29 122,410.00
MIAMI FL 33178 1 11/22/99 00
0431680941 01 01/01/00 0
29906004 O 12/01/29
0
1958175 964/G02 F 82,500.00 ZZ
360 82,453.75 3
1308 AND 1312 WEST OAK STREET 8.875 656.41 75
305 NORTH GIDDINGS AVENUE 8.625 656.41 110,000.00
VISALIA CA 93291 1 11/29/99 00
0431674571 05 01/01/00 0
67996 N 12/01/29
0
1958180 J73/G02 F 86,200.00 ZZ
360 86,150.40 1
1
5660 NW 115TH COURT #105 8.750 678.14 75
8.500 678.14 114,990.00
MIAMI FL 33178 1 11/24/99 00
0431680495 01 01/01/00 0
29903011 O 12/01/29
0
1958183 964/G02 F 103,950.00 ZZ
360 103,888.63 1
408 MAGNOLIA ARBORS STREET 8.625 808.51 90
8.375 808.51 115,550.00
LAS VEGAS NV 89134 1 11/30/99 12
0431674878 03 01/01/00 25
67634 N 12/01/29
0
1958184 A52/G02 F 72,000.00 ZZ
240 72,000.00 1
2011 CARR ROAD 8.875 642.03 85
8.625 642.03 85,000.00
CONYERS GA 30012 2 11/30/99 11
0431683069 05 02/01/00 12
9777 O 01/01/20
0
1958186 183/G02 F 90,000.00 ZZ
360 89,911.11 1
16 MCCAFFERTY PLACE 9.500 756.77 64
9.250 756.77 142,000.00
WAPPINGERS FALL NY 12590 2 11/17/99 00
0431675792 05 12/18/99 0
800248283 N 11/18/29
0
1958197 K15/G02 F 110,250.00 ZZ
360 110,138.22 4
4902 WEST WIND TRAIL 9.375 917.00 90
9.125 917.00 122,500.00
AUSTIN TX 78745 1 09/09/99 01
0431712959 05 11/01/99 30
1732999 O 10/01/29
0
1958208 665/G02 F 81,600.00 ZZ
360 81,442.83 1
2127 W BIJOU STREET 8.250 613.03 80
8.000 613.03 102,000.00
COLORADO SPRING CO 80904 5 09/27/99 00
0431671338 05 11/01/99 0
1
9920231470 O 10/01/29
0
1958215 K15/G02 F 164,100.00 ZZ
360 163,992.65 1
1047 YULONI DRIVE 8.125 1,218.44 76
7.875 1,218.44 218,000.00
LODI CA 95240 2 11/23/99 00
0431689207 03 01/01/00 0
026605300343 O 12/01/29
0
1958228 S35/G02 F 67,400.00 ZZ
360 67,353.61 1
9350 FONTAINEBLEAU BLVD #610 7.875 488.70 80
7.625 488.70 84,250.00
MIAMI FL 33172 1 11/16/99 00
0431679497 08 01/01/00 0
9907019 O 12/01/29
0
1958231 S35/G02 F 71,400.00 ZZ
360 71,350.86 1
1345 WEST AVENUE #602 7.875 517.70 70
7.625 517.70 102,000.00
MIAMI BEACH FL 33139 1 12/03/99 00
0431684950 06 01/01/00 0
9911056 O 12/01/29
0
1958232 K15/G02 F 78,100.00 ZZ
360 78,053.89 1
857 HAYES AVE 8.625 607.45 85
8.375 607.45 92,000.00
HAMILTON OH 45015 5 11/20/99 10
0431688753 05 01/01/00 12
033705300104 O 12/01/29
0
1958234 K15/G02 F 52,600.00 ZZ
360 52,573.44 1
2322 14TH STREET SOUTHWEST 9.375 437.50 74
9.125 437.50 72,000.00
AKRON OH 44314 5 11/23/99 00
0431688910 05 01/01/00 0
028005300078 O 12/01/29
0
1
1958235 R84/G02 F 178,200.00 ZZ
360 178,102.66 1
41439 BERTVILLE ROAD 9.000 1,433.84 90
8.750 1,433.84 198,000.00
GONZALES LA 70737 1 11/18/99 23
0431705227 05 01/01/00 0
DUPLESSIS O 12/01/29
0
1958239 K15/G02 F 101,500.00 ZZ
360 101,402.79 1
323 S CHERRY STREET 9.625 862.74 80
9.375 862.74 127,000.00
GERMANTOWN OH 45327 5 10/14/99 00
0431689124 05 12/01/99 0
029005300290 O 11/01/29
0
1958242 K15/G02 F 57,400.00 ZZ
360 57,375.93 1
93 HOGAN POND LANE 10.250 514.36 77
10.000 514.36 75,500.00
OXFORD ME 04270 2 11/08/99 00
0431684240 05 01/01/00 0
013505300589 N 12/01/29
0
1958247 N94/G02 F 144,000.00 ZZ
360 143,921.34 1
656 TREMONT STREET UNIT #6 9.000 1,158.66 86
8.750 1,158.66 169,000.00
BOSTON MA 02118 1 11/29/99 11
0431674100 08 01/01/00 25
82051860 O 12/01/29
0
1958253 M11/G02 F 59,400.00 ZZ
360 59,369.20 1
231 HENRY M CHANDLER DRIVE 9.250 488.67 83
9.000 488.67 72,000.00
ROCKWALL TX 75032 1 11/29/99 04
0431677962 01 01/01/00 25
002477 O 12/01/29
0
1958266 428/G02 F 64,450.00 ZZ
360 64,416.59 1
1610 LODGE STREET 9.250 530.21 85
9.000 530.21 76,000.00
1
ALCOA TN 37701 2 11/23/99 01
0431666692 05 01/01/00 20
2201664 N 12/01/29
0
1958275 A26/G02 F 156,500.00 ZZ
360 156,405.19 1
8512 RAINDROP CANYON AVENUE 8.500 1,203.35 90
8.250 1,203.35 174,000.00
LAS VEGAS NV 89129 5 11/10/99 04
0431666783 03 01/01/00 25
30886W O 12/01/29
0
1958297 A26/G02 F 140,000.00 ZZ
360 140,000.00 2
193 WARD AVENUE 8.500 1,076.48 80
8.250 1,076.48 175,000.00
STATEN ISLAND NY 10304 1 12/06/99 00
0431667013 05 02/01/00 0
15019 O 01/01/30
0
1958310 A80/G02 F 85,600.00 ZZ
360 85,600.00 1
3560 NW 99 STREET 8.500 658.19 80
8.250 658.19 107,000.00
MIAMI FL 33147 5 12/01/99 00
0431682780 05 02/01/00 0
9917378 O 01/01/30
0
1958364 P92/G02 F 82,350.00 ZZ
360 82,350.00 1
6017 PACIFIC STREET 9.250 677.47 90
9.000 677.47 91,500.00
OMAHA NE 68106 1 12/06/99 14
0431686435 05 02/01/00 25
0101153 N 01/01/30
0
1958406 K15/G02 F 35,100.00 ZZ
360 35,081.32 4
339 WEST 22ND STREET 9.125 285.59 90
8.875 285.59 39,000.00
ERIE PA 16502 1 11/04/99 14
0431684497 05 01/01/00 25
3002506 N 12/01/29
0
1
1958427 G32/G02 F 127,600.00 ZZ
360 127,522.69 1
351 S KYLE DRIVE 8.500 981.14 80
8.250 981.14 159,550.00
WAUKEGAN IL 60085 1 12/01/99 00
0431688928 05 01/01/00 0
1005738 O 12/01/29
0
1958486 742/G02 F 103,700.00 ZZ
360 103,640.34 1
61 SHAGBARK WAY 8.750 815.81 68
8.500 815.81 153,700.00
PERINTON NY 14450 1 11/29/99 00
0431682814 03 01/01/00 0
4875902 O 12/01/29
0
1958487 F18/G02 F 170,000.00 ZZ
360 169,880.01 1
140 MARBLY AVENUE 7.750 1,217.91 53
7.500 1,217.91 326,000.00
DALY CITY CA 94015 5 11/08/99 00
0431676162 05 01/01/00 0
R02185 O 12/01/29
0
1958510 J74/G02 F 61,600.00 ZZ
360 61,600.00 2
3083-85 NW 32ND STREET 8.375 468.20 90
8.125 468.20 68,450.00
MIAMI FL 33142 1 12/06/99 11
0431676949 05 02/01/00 25
995119W N 01/01/30
0
1958517 L84/G02 F 224,000.00 ZZ
360 224,000.00 1
4060 SUMAC DRIVE 8.750 1,762.21 80
8.500 1,762.21 280,000.00
SHERMAN OAKS CA 91403 1 12/01/99 00
0431683556 05 02/01/00 0
99243 O 01/01/30
0
1958522 637/G02 F 130,500.00 ZZ
360 130,424.91 1
1
125 SPENCER AVE 8.750 1,026.65 90
8.500 1,026.65 145,000.00
CHELSEA MA 02150 1 11/08/99 14
0431670033 07 01/01/00 25
0018791038 N 12/01/29
0
1958524 S99/G02 F 72,000.00 ZZ
360 71,960.67 1
301 EAST GRANT ROAD 9.000 579.33 90
8.750 579.33 80,000.00
TUCSON AZ 85705 1 11/24/99 04
0431674159 05 01/01/00 25
1820 O 12/01/29
0
1958534 L38/G02 F 74,700.00 ZZ
360 74,700.00 1
1012 RAVEN CREST DRIVE 8.875 594.35 90
8.625 594.35 83,000.00
PLAINSBORO NJ 08536 1 12/17/99 12
0431735182 01 02/01/00 25
43418 O 01/01/30
0
1958538 Q45/G02 F 199,950.00 ZZ
360 199,849.02 4
8804 SCHICK ROAD 9.375 1,663.09 90
9.125 1,663.09 222,200.00
AUSTIN TX 78729 1 11/18/99 11
0431708650 05 01/01/00 25
HOWARD N 12/01/29
0
1958547 L38/G02 F 87,000.00 ZZ
360 87,000.00 3
1007 BARNEGAT AVENUE 8.875 692.22 90
8.625 692.22 97,000.00
SEASIDE HEIGHTS NJ 08751 1 12/03/99 12
0431682947 05 02/01/00 25
434430000001122 N 01/01/30
0
1958579 637/G02 F 160,200.00 ZZ
360 159,817.57 1
2081 SUNSHINE BLVD 8.625 1,246.02 90
8.375 1,246.02 178,000.00
NAPLES FL 34116 1 09/29/99 04
0431711761 07 11/01/99 25
1
1000008977 N 10/01/29
0
1958593 637/G02 F 104,490.00 ZZ
360 104,435.82 1
10623 COULPORT LANE 9.250 859.62 90
9.000 859.62 116,100.00
CHARLOTTE NC 28215 1 11/12/99 14
0431670579 03 01/01/00 25
0013115308 N 12/01/29
0
1958608 637/G02 F 88,200.00 ZZ
360 88,046.66 1
9022 HOGANS BEND 8.750 693.87 90
8.500 693.87 98,000.00
TAMPA FL 33647 1 09/30/99 04
0431706712 03 11/01/99 25
1000003010 N 10/01/29
0
1958625 637/G02 F 103,500.00 T
360 103,269.71 1
1080 S DOWNING STREET 8.625 805.02 75
8.375 805.02 138,000.00
SEASIDE OR 97138 1 09/15/99 00
0431670835 05 11/01/99 0
1000004448 O 10/01/29
0
1958629 882/G02 F 106,200.00 ZZ
360 106,150.73 2
1250-52 NE 109 STREET 9.850 920.99 90
9.600 920.99 118,000.00
MIAMI FL 33161 1 11/24/99 01
0431676790 05 01/01/00 25
FRANKLIN N 12/01/29
0
1958651 665/G02 F 109,000.00 ZZ
360 108,870.83 1
2296 PAUL MINNIE COURT 8.625 847.79 34
8.375 847.79 328,000.00
SANTA CRUZ CA 95062 5 10/06/99 00
0431673888 05 12/01/99 0
9901232925 O 11/01/29
0
1
1958676 253/253 F 106,000.00 ZZ
360 105,932.40 1
923 LAUREL STREET 8.250 796.35 80
8.000 796.35 132,500.00
JUNCTION CITY OR 97448 1 11/18/99 00
945882 05 01/01/00 0
945882 O 12/01/29
0
1958703 665/G02 F 153,900.00 ZZ
360 153,739.81 1
14053 DOOLITTLE DRIVE 9.250 1,266.10 95
9.000 1,266.10 162,000.00
SAN LEANDRO CA 94577 1 10/18/99 10
0431676618 01 12/01/99 30
9901232966 O 11/01/29
0
1958705 665/G02 F 198,750.00 ZZ
360 198,514.47 1
27 INVERNESS WAY 8.625 1,545.86 75
8.375 1,545.86 265,000.00
INVERNESS CA 94937 1 10/22/99 00
0431676287 05 12/01/99 0
9901233571 O 11/01/29
0
1958733 665/G02 F 124,000.00 ZZ
360 123,853.05 1
4 MEADOW RANCH COURT 8.625 964.46 80
8.375 964.46 155,000.00
CALPINE CA 96124 1 10/18/99 00
0431677509 05 12/01/99 0
9901232755 O 11/01/29
0
1958734 665/G02 F 252,000.00 ZZ
360 251,708.96 1
1742 MENDOCINO DRIVE 8.750 1,982.49 90
8.500 1,982.49 280,000.00
CONCORD CA 94521 1 10/27/99 19
0431680503 05 12/01/99 25
9901233097 O 11/01/29
0
1958737 721/G02 F 90,450.00 ZZ
360 90,404.32 1
3 MIDWAY COURT 9.375 752.32 90
9.125 752.32 100,500.00
1
HAMMOND IN 46324 1 12/01/99 01
0431707009 05 01/01/00 25
7810118304 N 12/01/29
0
1958738 721/G02 F 81,000.00 ZZ
360 80,959.09 1
5022 CALIFORNIA STREET 9.375 673.72 90
9.125 673.72 90,000.00
OHMAHA NE 68132 1 11/24/99 01
0431711225 05 01/01/00 25
7850019014 O 12/01/29
0
1958740 J87/G02 F 70,000.00 ZZ
360 70,000.00 1
611 PARKWAY DRIVE 8.375 532.05 36
8.125 532.05 195,000.00
WINSTON OR 97496 1 12/01/99 00
0431684489 05 02/01/00 0
1010 O 01/01/30
0
1958763 S22/G02 F 125,000.00 ZZ
360 125,000.00 1
309 PALMWAY LANE 9.000 1,005.78 50
8.750 1,005.78 250,000.00
ORLANDO FL 32828 1 12/03/99 00
0431685056 03 02/01/00 0
991212 O 01/01/30
0
1958767 964/G02 F 162,500.00 ZZ
360 162,398.99 1
15106 GERMAIN STREET 8.375 1,235.12 80
8.125 1,235.12 205,000.00
LOS ANGELES CA 91345 2 11/17/99 00
0431722743 05 01/01/00 0
66515 O 12/01/29
0
1958768 G52/G02 F 79,200.00 ZZ
360 79,150.77 1
9625 EAST CENTER AVE UNIT 110 8.375 601.98 79
8.125 601.98 101,000.00
DENVER CO 80231 1 11/12/99 00
0431674837 01 01/01/00 0
75500034 O 12/01/29
0
1
1958774 K15/G02 F 108,000.00 ZZ
360 107,934.57 1
9337 NW 46TH PALCE 8.500 830.43 80
8.250 830.43 135,000.00
SUNRISE FL 33351 1 11/29/99 00
0431680743 05 01/01/00 0
3004292 O 12/01/29
0
1958780 K15/G02 F 45,900.00 ZZ
360 45,876.82 1
6230 SOUTH 1ST AVENUE 9.375 381.77 89
9.125 381.77 52,000.00
PHOENIX AZ 85041 1 11/23/99 11
0431680024 05 01/01/00 25
3003773 N 12/01/29
0
1958781 L47/G02 F 120,000.00 ZZ
360 119,878.33 1
6301 SOMERSET STREET 9.375 998.10 80
9.125 998.10 150,000.00
HARRISBURGH PA 17111 5 10/28/99 00
0431677392 05 12/01/99 0
50063728 O 11/01/29
0
1958787 637/G02 F 68,400.00 ZZ
360 68,366.35 4
1806 LAWNDALE AVENUE 9.500 575.15 90
9.250 575.15 76,000.00
VICTORIA TX 77901 1 11/22/99 10
0431697457 05 01/01/00 25
0017612854 N 12/01/29
0
1958790 637/G02 F 54,000.00 ZZ
360 53,968.12 1
962 STOHR ROAD 8.625 420.01 49
8.375 420.01 112,000.00
NEWPORT WA 99156 5 11/15/99 00
0431697234 27 01/01/00 0
0017876103 O 12/01/29
0
1958792 637/G02 F 83,250.00 ZZ
360 83,207.95 1
1
358 MCDONOUGH BLVD 9.375 692.44 90
9.125 692.44 92,500.00
ATLANTA GA 30815 1 11/22/99 10
0431702372 05 01/01/00 25
0012062014 N 12/01/29
0
1958810 637/G02 F 63,900.00 T
360 63,864.17 1
2124 N TAMIAMI TR #103 8.875 508.42 80
8.625 508.42 79,900.00
SARASOTA FL 34234 1 11/19/99 00
0431687896 01 01/01/00 0
0019055086 O 12/01/29
0
1958817 E86/G02 F 224,900.00 ZZ
360 224,900.00 1
1735 JOCKEYS WAY 8.875 1,789.41 48
8.625 1,789.41 473,920.00
YARDLEY PA 19067 1 12/03/99 00
0431692581 05 02/01/00 0
52262 O 01/01/30
0
1958823 E23/G02 F 166,400.00 ZZ
360 166,400.00 1
3921 BIG HORN ROAD 4H 8.750 1,309.07 80
8.500 1,309.07 208,000.00
VAIL CO 81657 1 12/07/99 00
0431680602 01 02/01/00 0
70502027 O 01/01/30
0
1958839 637/G02 F 193,000.00 ZZ
360 192,880.04 1
100 CLYDESDALE COURT 8.375 1,466.94 80
8.125 1,466.94 241,400.00
TYRONE GA 30290 1 11/23/99 00
0431701929 03 01/01/00 0
0012061735 O 12/01/29
0
1958849 637/G02 F 200,000.00 ZZ
360 199,861.20 1
11265 PEACE CLIFF LANE 8.625 1,555.58 46
8.375 1,555.58 440,000.00
ANACORTES WA 98221 5 11/16/99 00
0431693886 05 01/01/00 0
1
0010512952 O 12/01/29
0
1958853 637/G02 F 94,500.00 ZZ
360 94,453.52 4
12 BODWELL STREET 9.500 794.61 90
9.250 794.61 105,000.00
SANFORD ME 04073 1 11/29/99 01
0431693530 05 01/01/00 25
0013870910 N 12/01/29
0
1958885 637/G02 F 166,500.00 ZZ
360 166,406.66 1
35358 IVY AVENUE 8.875 1,324.75 90
8.625 1,324.75 185,000.00
YUCAIPA CA 92399 1 11/09/99 10
0431703107 05 01/01/00 25
0018609131 O 12/01/29
0
1958889 637/G02 F 99,000.00 ZZ
360 98,882.66 1
RD 11 BOX 593 8.625 770.02 90
8.375 770.02 110,000.00
GREENSBURG PA 15601 1 10/29/99 04
0431703495 05 12/01/99 25
0014546980 O 11/01/29
0
1958892 637/G02 F 81,000.00 ZZ
360 80,955.75 1
1095 NORTHWEST DRIVE 9.000 651.75 90
8.750 651.75 90,000.00
ATLANTA GA 30318 1 11/18/99 01
0431704105 05 01/01/00 30
0012060729 N 12/01/29
0
1958896 637/G02 F 150,400.00 ZZ
360 150,311.20 1
7 GARRISON DRIVE 8.625 1,169.80 80
8.375 1,169.80 188,000.00
PLAINVILLE MA 02762 5 11/12/99 00
0431704667 05 01/01/00 0
0018798835 O 12/01/29
0
1
1958903 L47/G02 F 100,000.00 ZZ
360 99,948.15 1
531 NORTH WEST STREET 9.250 822.68 80
9.000 822.68 125,000.00
CARLISLE PA 17013 5 11/23/99 00
0431677293 05 01/01/00 0
50063916 O 12/01/29
0
1958920 183/G02 F 225,000.00 ZZ
360 224,883.35 1
55 ABERDEEN ROAD 9.250 1,851.02 75
9.000 1,851.02 300,000.00
NEW HYDE PARK NY 11040 5 11/23/99 00
0431688548 05 01/01/00 0
800213074 O 12/01/29
0
1958922 637/G02 F 76,396.00 ZZ
360 76,346.02 1
6824 DOGWOOD LANE 8.125 567.24 80
7.875 567.24 95,496.00
NORTH RICHLAND TX 76180 1 11/19/99 00
0431706340 05 01/01/00 0
0019006956 O 12/01/29
0
1958925 G51/G02 F 157,500.00 T
360 157,418.35 2
3495 3497 GRAPE ST 9.250 1,295.71 90
9.000 1,295.71 175,000.00
DENVER CO 80207 1 12/03/99 14
0431684844 05 01/01/00 25
00 O 12/01/29
0
1958926 637/G02 F 216,000.00 ZZ
360 215,869.14 2
280 NORTH 900 WEST 8.500 1,660.86 80
8.250 1,660.86 270,000.00
PROVO UT 84601 2 11/15/99 00
0431705623 05 01/01/00 0
0012492237 O 12/01/29
0
1958930 637/G02 F 192,000.00 ZZ
360 191,877.56 1
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0
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0431694744 05 01/01/00 0
0014985162 O 12/01/29
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0014985147 O 12/01/29
0
1958960 637/G02 F 84,000.00 ZZ
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29848 BAHIA DRIVE 8.875 668.35 70
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0431708759 03 01/01/00 0
0018185090 N 12/01/29
0
1958967 637/G02 F 136,000.00 ZZ
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0431708817 03 01/01/00 0
0016812828 O 12/01/29
0
1958971 637/G02 F 126,500.00 ZZ
360 126,429.08 1
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GLENDALE AZ 85308 1 11/15/99 04
0431715945 03 01/01/00 30
0016353443 O 12/01/29
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1
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360 206,864.59 1
15421 STANFORD LANE 8.125 1,536.97 79
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HUNTINGTON BEAC CA 92647 2 11/11/99 00
0431711548 05 01/01/00 0
278924 O 12/01/29
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1958988 Q01/G02 F 36,480.00 ZZ
360 36,460.07 1
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0431684570 05 01/01/00 0
94841115 O 12/01/29
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0431706977 05 01/01/00 25
7195142 O 12/01/29
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1959069 163/G02 F 40,500.00 ZZ
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0431706951 05 01/01/00 25
7151384 N 12/01/29
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1959072 Q99/G02 F 221,000.00 ZZ
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0431730712 03 01/24/00 0
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360 70,000.00 1
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SANTA MONICA CA 90405 1 12/01/99 00
0431702497 01 02/01/00 0
0386785 O 01/01/30
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1959082 163/G02 F 148,200.00 ZZ
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CLEARWATER FL 33756 1 11/15/99 04
0431707017 05 01/01/00 30
7181852 O 12/01/29
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1959084 163/G02 F 188,000.00 ZZ
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0431704915 05 01/01/00 0
7145816 O 12/01/29
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1959086 163/G02 F 121,600.00 ZZ
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LAS VEGAS NV 89119 1 11/08/99 00
0431703396 03 01/01/00 0
71777074 O 12/01/29
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0431701739 05 01/01/00 0
1
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0
1959116 K15/G02 F 114,750.00 ZZ
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0431711738 05 01/01/00 12
3004261 O 12/01/29
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1959158 L47/G02 F 102,000.00 ZZ
360 101,899.26 1
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0431738756 05 12/01/99 0
50063772 O 11/01/29
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1959188 L47/G02 F 32,250.00 ZZ
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READING PA 19601 1 11/23/99 00
0431697523 07 01/01/00 0
50063930 O 12/01/29
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1959208 Q99/G02 F 64,050.00 ZZ
360 64,021.67 3
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0431732122 05 01/22/00 0
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1959229 A33/G02 F 100,800.00 ZZ
360 100,800.00 1
26670 HOPKINS 9.125 820.14 74
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INKSTER MI 48141 1 12/02/99 00
0431696723 05 02/01/00 0
990445 O 01/01/30
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1
1959230 313/G02 F 169,000.00 ZZ
360 168,905.26 3
116 N CHURCH STREET 8.875 1,344.64 63
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ADDISON IL 60101 5 11/05/99 00
0431683689 05 01/01/00 0
00 O 12/01/29
0
1959237 664/G02 F 186,000.00 ZZ
360 185,890.19 1
5887 EAST MALTON AVENUE 8.625 1,446.69 77
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SIMI VALLEY CA 93063 5 11/12/99 00
0431684018 05 01/01/00 0
00 O 12/01/29
0
1959242 664/G02 F 249,600.00 ZZ
360 249,480.42 4
837 839 841 843 CARILLO DRIVE 9.625 2,121.58 80
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SAN GABRIEL CA 91776 1 11/08/99 00
0431684364 05 01/01/00 0
00 N 12/01/29
0
1959364 K15/G02 F 104,800.00 ZZ
360 104,736.51 1
1051 ALICE AVENUE 8.500 805.82 80
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UKIAH CA 95482 1 11/16/99 00
0431711456 05 01/01/00 0
3003871 O 12/01/29
0
1959415 R38/G02 F 167,000.00 ZZ
360 167,000.00 1
13730 EDELEN DRIVE 8.125 1,239.98 75
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BRYANTOWN MD 20617 1 12/17/99 00
0431740919 05 02/01/00 0
25076 O 01/01/30
0
1959439 964/G02 F 125,000.00 ZZ
360 125,000.00 1
11911 NORTHEAST 50TH AVENUE 8.125 928.12 75
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VANCOUVER WA 98686 5 12/03/99 00
0431691401 05 02/01/00 0
68276 O 01/01/30
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1959495 L13/G02 F 200,000.00 ZZ
360 200,000.00 1
966 WEST 910 SOUTH 8.500 1,537.83 79
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PROVO UT 84601 5 12/17/99 00
0431729664 05 02/01/00 0
1959495 O 01/01/30
0
1959503 Q25/G02 F 124,700.00 ZZ
360 124,700.00 1
30840 NORTH 42ND PLACE 8.625 969.90 80
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CAVE CREEK AZ 85331 1 12/14/99 00
0431734573 03 02/01/00 0
89753960 O 01/01/30
0
1959505 Q49/G02 F 136,800.00 ZZ
360 136,800.00 1
8265 CHICAGO ROAD 9.750 1,175.33 90
9.500 1,175.33 152,000.00
WARREN MI 48093 1 12/23/99 14
0431742691 05 02/01/00 25
1283 N 01/01/30
0
1959507 N46/G02 F 67,750.00 ZZ
360 67,750.00 1
106 MERRILL DRIVE 8.875 539.05 50
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NEWPORT NC 28570 1 12/20/99 00
0431740042 05 02/01/00 0
388914 O 01/01/30
0
1959530 K15/G02 F 183,000.00 ZZ
360 182,891.95 1
352 SAN PEDRO AVENUE 8.625 1,423.36 51
8.375 1,423.36 365,000.00
PACIFICA CA 94044 5 11/09/99 00
0431718592 05 01/01/00 0
3003127 O 12/01/29
0
1
1959531 F19/G02 F 50,000.00 ZZ
360 49,968.12 1
1497 SAN PABLO AVENUE 8.250 375.63 28
8.000 375.63 181,000.00
SEASIDE CA 93955 5 11/15/99 00
0431689629 05 01/01/00 0
384966 O 12/01/29
0
1959536 G52/G02 F 120,000.00 ZZ
360 119,930.96 1
6820 N 13TH PLACE 8.750 944.04 63
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PHOENIX AZ 85014 5 11/19/99 00
0431698190 05 01/01/00 0
98506698 O 12/01/29
0
1959539 E46/G02 F 202,500.00 ZZ
360 202,386.48 1
75 EASTON AVENUE 8.875 1,611.18 90
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NEW BRUNSWICK NJ 08901 1 11/19/99 19
0431699313 05 01/01/00 30
100030 O 12/01/29
0
1959570 F44/G02 F 72,000.00 ZZ
360 72,000.00 1
331 SOUTH MINGES ROAD 8.990 578.81 80
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BATTLE CREEK MI 49015 5 12/02/99 00
0431699321 05 02/01/00 0
211570 O 01/01/30
0
1959577 K15/G02 F 179,900.00 ZZ
360 179,900.00 1
14526 MCCOURTNEY ROAD 8.500 1,383.28 90
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GRASS VALLEY CA 95949 1 12/06/99 04
0431692763 05 02/01/00 25
3003851 N 01/01/30
0
1959592 K15/G02 F 200,900.00 ZZ
360 200,787.37 1
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PARK RIDGE IL 60068 1 11/24/99 00
0431715135 05 01/01/00 0
3003016 O 12/01/29
0
1959601 K15/G02 F 114,400.00 ZZ
360 114,328.90 1
8211 GLENHEATH ST 8.375 869.52 80
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HOUSTON TX 77061 2 11/19/99 00
0431694116 05 01/01/00 0
3003834 O 12/01/29
0
1959629 K64/G02 F 122,400.00 ZZ
360 122,327.74 4
641,643,645,647 N BRAGAW ST 8.625 952.01 90
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ANCHORAGE AK 99508 1 11/30/99 11
0431694496 05 01/01/00 25
LARSEN N 12/01/29
0
1959708 K15/G02 F 44,200.00 ZZ
360 44,151.54 2
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BLAIRSVILLE PA 15717 1 10/28/99 01
0431692557 05 12/01/99 25
3001284 N 11/01/29
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1959776 P63/G02 F 238,000.00 ZZ
360 238,000.00 3
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BROOKLYN NY 11206 2 12/22/99 00
0431738863 05 02/01/00 0
1959776 N 01/01/30
0
1959803 624/G02 F 164,500.00 ZZ
360 164,500.00 1
5150 NORTH 37TH AVENUE 9.500 1,383.21 70
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PHOENIX AZ 85019 1 12/02/99 00
0431700152 05 02/01/00 0
1
35500194586F N 01/01/30
0
1959813 K15/G02 F 135,000.00 ZZ
360 134,933.60 4
194 WEST 154TH STREET 9.500 1,135.15 90
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HARVEY IL 60426 1 12/02/99 01
0431720432 05 01/01/00 25
1812734 N 12/01/29
0
1959833 K15/G02 F 192,000.00 ZZ
360 191,886.64 1
8104 BEAVER RUN ROAD 8.625 1,493.36 80
8.375 1,493.36 240,000.00
BLAIRSVILLE GA 30512 1 11/05/99 00
0431697473 05 12/01/99 0
3002611 O 11/01/29
0
1959850 P55/G02 F 89,000.00 ZZ
360 89,000.00 1
4474 HOLMES DRIVE 9.125 724.13 69
8.875 724.13 129,000.00
WARREN MI 48092 1 12/20/99 00
0431728476 05 02/01/00 0
000082451 O 01/01/30
0
1959861 P01/G02 F 67,700.00 ZZ
360 67,700.00 2
468 WEST STREET 9.375 563.10 90
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ALBANY NY 12203 1 12/17/99 04
0431741107 05 02/01/00 25
TWINAM N 01/01/30
0
1959877 637/G02 F 102,400.00 ZZ
360 102,344.06 1
968 SEA ISLAND PARKWAY 9.000 823.94 80
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SAINT HELENA IS SC 29920 5 11/10/99 00
0431695774 05 01/01/00 0
00014230908 O 12/01/29
0
1
1959891 G51/G02 F 73,200.00 ZZ
360 73,200.00 1
1016 LAKESHORE RANCH DRIVE 8.750 575.86 76
8.500 575.86 96,946.00
SEFFNER FL 33584 1 12/08/99 00
0431738053 03 02/01/00 0
386980 O 01/01/30
0
1959903 896/G02 F 121,600.00 ZZ
360 121,526.33 1
615 HATCHER CIRCLE 8.500 935.00 80
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PIGEON FORGE TN 37863 5 11/29/99 00
0431696103 05 01/01/00 0
20076 O 12/01/29
0
1959920 F61/G02 F 152,000.00 ZZ
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BELLEVUE WA 98008 2 11/18/99 00
0431723089 05 01/01/00 0
9905401 O 12/01/29
0
1959931 665/G02 F 107,600.00 ZZ
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532 S MESA DRIVE D 8.750 846.49 80
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MESA AZ 85210 1 11/08/99 00
0431706928 05 01/01/00 0
9901234091 O 12/01/29
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1959971 A46/G02 F 152,750.00 ZZ
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909 PEDEN STREET 8.000 1,120.83 90
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HOUSTON TX 77006 1 11/29/99 04
0431698158 05 01/01/00 25
0190587 N 12/01/29
0
1960019 E65/G02 F 55,300.00 ZZ
360 55,270.57 1
8845 UNIVERSITY 9.125 449.94 70
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DETROIT MI 48224 1 11/24/99 00
0431711357 05 01/01/00 0
227580 O 12/01/29
0
1960082 K97/G02 F 60,650.00 ZZ
360 60,650.00 1
1920 WEST LINDNER AVENUE 8.625 471.73 90
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MESA AZ 85202 1 12/09/99 10
0431715309 05 02/01/00 25
0387891 N 01/01/30
0
1960093 A35/G02 F 250,000.00 ZZ
360 250,000.00 1
13-15 145TH PLACE 8.500 1,922.28 77
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WHITESTONE NY 11357 1 12/08/99 00
0431699446 05 02/01/00 0
10011 O 01/01/30
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1960123 E10/G02 F 88,000.00 ZZ
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1458 NW 26TH STREET 9.625 747.99 80
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MIAMI FL 33142 2 11/18/99 00
0431714492 05 01/01/00 0
112558 N 12/01/29
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1960124 E10/G02 F 94,400.00 ZZ
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MIAMI FL 33142 5 11/18/99 00
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112561 N 12/01/29
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1960125 E10/G02 F 72,800.00 ZZ
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MIAMI FL 33142 5 11/18/99 00
0431714559 05 01/01/00 0
112560 N 12/01/29
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1
1960198 637/G02 F 106,500.00 ZZ
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2721 NE 52 COURT 8.750 837.84 73
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LIGHTHOUSE POIN FL 33064 1 11/29/99 00
0431723287 05 01/01/00 0
1367769 O 12/01/29
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1960203 F27/F27 F 59,900.00 ZZ
360 59,866.41 1
3109 ROSEKEMP AVENUE 8.875 476.60 80
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BALTIMORE MD 21214 1 11/23/99 00
6060104105 05 01/01/00 0
6060104105 O 12/01/29
0
1960210 637/G02 F 114,000.00 ZZ
360 113,930.93 1
8403 GRANITE PLACE 8.500 876.57 75
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TAMPA FL 33615 1 11/30/99 00
0431726397 05 01/01/00 0
0019057462 O 12/01/29
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1960224 637/G02 F 76,400.00 ZZ
360 76,357.17 1
2113 E WHITTON AVENUE 8.875 607.87 90
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PHOENIX AZ 85016 1 11/29/99 11
0431740349 05 01/01/00 25
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1960226 M12/G02 F 54,400.00 ZZ
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TUCSON AZ 85706 5 12/22/99 00
0431746858 05 02/01/00 0
DM268 O 01/01/30
0
1960227 742/G02 F 237,750.00 ZZ
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BROOKLYN NY 11235 1 12/06/99 00
0431703289 05 02/01/00 0
4875456 O 01/01/30
0
1960230 637/G02 F 31,600.00 ZZ
360 31,580.85 1
25 LAWRENCE ST #51 8.500 242.98 79
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WESTBROOK ME 04092 1 11/30/99 00
0431705276 01 01/01/00 0
0013570197 O 12/01/29
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1960233 637/G02 F 70,400.00 ZZ
360 70,365.36 3
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FORT MYERS FL 33916 1 11/30/99 00
0431704139 05 01/01/00 0
0019057215 N 12/01/29
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1960235 J40/G02 F 58,050.00 ZZ
360 58,017.46 1
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MONROE LA 71203 1 12/01/99 10
0431703248 05 01/01/00 25
7659424 O 12/01/29
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1960236 637/G02 F 104,500.00 ZZ
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COLORADO SPRING CO 80904 1 12/03/99 01
0431706415 05 01/01/00 30
0014986095 O 12/01/29
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1960240 637/G02 F 70,500.00 ZZ
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DADE CITY FL 33525 1 11/24/99 00
0431722982 05 01/01/00 0
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0019055078 O 12/01/29
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EARLTON FL 32631 5 12/01/99 00
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1960299 420/G02 F 122,400.00 ZZ
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20790 KINGSTON AVENUE 8.000 898.13 80
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MONTE RIO CA 95462 1 12/09/99 00
0431709039 05 02/01/00 0
0000436600 O 01/01/30
0
1960334 F88/G02 F 139,500.00 ZZ
360 139,500.00 4
6355 EAST AVALON STREET 9.250 1,147.63 90
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MESA AZ 85205 1 12/03/99 10
0431722776 05 02/01/00 25
69911200 N 01/01/30
0
1960358 E10/G02 F 115,500.00 ZZ
360 115,443.19 2
919-921 HOFFMAN AVENUE 9.500 971.19 70
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LONG BEACH CA 90813 1 11/12/99 00
0431726041 05 01/01/00 0
112246 N 12/01/29
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1960420 F18/G02 F 89,600.00 ZZ
360 89,600.00 1
1704 OLDFIELD WAY 8.500 688.95 80
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SANTA ROSA CA 95401 1 12/13/99 00
0431715986 01 02/01/00 0
R02309 O 01/01/30
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1
1960427 163/G02 F 140,000.00 ZZ
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QUINCY MA 02169 5 11/24/99 00
0431705185 05 01/01/00 0
1000137763 N 12/01/29
0
1960433 E11/G02 F 89,600.00 ZZ
360 89,600.00 1
4104 SYLVIA LANE 8.250 673.13 80
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SHOREVIEW MN 55126 1 12/10/99 00
0431705011 07 02/01/00 0
0005001018997 O 01/01/30
0
1960484 129/G02 F 88,000.00 ZZ
360 87,950.66 1
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OCEAN GROVE NJ 07756 1 11/30/99 00
0431708957 05 01/01/00 0
3500430859 O 12/01/29
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1960497 K15/G02 F 97,000.00 ZZ
360 97,000.00 1
11853 WEST EDGEMONT AVENUE 8.750 763.10 80
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AVONDALE AZ 85323 1 12/07/99 00
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MODESTO CA 95355 1 11/22/99 00
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1960566 K15/G02 F 104,100.00 ZZ
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1
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0431734391 01 02/01/00 30
WH1347 O 01/01/30
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19151968 O 12/01/29
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EUREKA CA 95503 5 12/10/99 00
0431740158 05 02/01/00 0
9703883 O 01/01/30
0
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0431728807 05 02/01/00 25
1
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BOUNTIFUL UT 84010 2 11/30/99 00
0431709641 05 01/01/00 0
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1960805 K15/G02 F 50,000.00 ZZ
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PORT ARANSAS TX 78373 1 11/30/99 00
0431709518 01 01/01/00 0
3004283 N 12/01/29
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1960807 163/G02 F 192,000.00 ZZ
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HAMILTON MT 59840 2 11/29/99 00
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217188733 O 12/01/29
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STOCKTON CA 95215 1 11/19/99 00
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217182934 O 12/01/29
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19486 INLET 9.500 892.23 90
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NORTHVILLE MI 48167 1 12/15/99 14
0431713940 01 02/01/00 25
FOX O 01/01/30
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60145802 O 01/01/30
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1084 HUDSON AVENUE 9.125 261.99 70
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0431711068 05 01/01/00 0
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BROWNSVILLE TX 78521 1 11/10/99 00
0431735513 05 01/01/00 0
3002840 O 12/01/29
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BLEGRADE MT 59714 1 11/29/99 11
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RED OAK TX 75154 1 11/29/99 11
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3004053 O 12/01/29
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1999332492 O 01/01/30
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CAPE CORAL FL 33904 1 12/08/99 00
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MUNDO N 01/01/30
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LOS ANGELES CA 90019 1 12/08/99 11
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99001507 O 01/01/30
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CHESAPEAKE VA 23323 2 12/27/99 14
0431739069 05 02/01/00 30
FUTRELL O 01/01/30
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1
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ANAHEIM CA 92802 1 11/17/99 00
0431714039 01 01/01/00 0
66626 O 12/01/29
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1961193 K15/G02 F 30,000.00 ZZ
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RICHMOND IN 47374 5 08/23/99 00
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SOUTH BEND IN 46628 1 12/06/99 00
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66953 ACOMA AVENUE 9.250 514.58 90
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DESERT HOT SPRI CA 92240 1 12/01/99 04
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BOSTON NY 14075 1 12/10/99 11
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6001234 N 01/01/30
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BIG LAKE MN 55309 1 12/13/99 12
0431735976 05 02/01/00 25
ANDER8117349 O 01/01/30
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1961362 129/G02 F 99,000.00 ZZ
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22212 DERBY 8.500 761.22 72
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WOODHAVEN MI 48183 1 12/06/99 00
0431721679 05 02/01/00 0
9999999 O 01/01/30
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1961431 637/G02 F 160,000.00 ZZ
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4902 W 112TH STREET 8.500 1,230.27 64
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LEAWOOD KS 66211 5 12/06/99 00
0431719640 05 02/01/00 0
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1961442 A52/G02 F 73,800.00 ZZ
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ATLANTA GA 30316 1 12/13/99 11
0431724343 05 02/01/00 25
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99241 N 01/01/30
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2005 RED ROAD 9.000 950.66 85
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MIAMI FL 33155 1 12/16/99 14
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NEW HAVEN CT 06511 1 12/01/99 04
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40162 O 12/01/29
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1961469 F61/G02 F 105,600.00 ZZ
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YAKIMA WA 98902 1 12/10/99 00
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91182W N 01/01/30
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1961470 F61/G02 F 105,600.00 ZZ
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YAKIMA WA 98902 2 12/09/99 00
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991176W N 01/01/30
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1961476 H93/G02 F 92,000.00 ZZ
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COLUMBUS OH 43205 1 12/06/99 00
0431733294 05 02/01/00 0
9991907 N 01/01/30
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1
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ARVADA CO 80003 1 12/17/99 04
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386987 N 01/01/30
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196 SEYMOUR AVENUE 9.375 632.13 95
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NEWARK NJ 07105 1 12/03/99 04
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GEORGE O 01/01/30
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99001508 O 01/01/30
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1961572 K15/G02 F 135,000.00 ZZ
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1961691 665/G02 F 189,450.00 ZZ
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SALINAS CA 93906 1 10/15/99 00
0431733021 05 12/01/99 0
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1
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0387257 O 01/01/30
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38100190553F O 01/01/30
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0431731850 01 02/01/00 0
1
216921 O 01/01/30
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81583180 O 12/01/29
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99207 O 01/01/30
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NIPOMO CA 93444 1 12/03/99 00
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66484 O 01/01/30
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CHERRY HILL NJ 08002 5 12/07/99 00
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995481 O 01/01/30
0
1962054 964/G02 F 127,600.00 ZZ
360 127,600.00 3
2237 CALIFORNIA STREET 8.625 992.46 80
8.375 992.46 159,500.00
EUREKA CA 95501 1 11/30/99 00
0431734417 05 02/01/00 0
67544 N 01/01/30
0
1962083 F18/G02 F 252,650.00 ZZ
360 252,650.00 1
121 ST MALO COURT 8.875 2,010.20 62
8.625 2,010.20 411,288.00
MARTINEZ CA 94553 1 12/09/99 00
0431731835 05 02/01/00 0
R02339 O 01/01/30
0
1962104 F18/G02 F 211,000.00 ZZ
360 211,000.00 1
32557 REGENTS BLVD 8.125 1,566.67 80
7.875 1,566.67 265,000.00
UNION CITY CA 94587 2 12/09/99 00
0431732882 05 02/01/00 0
R02343 N 01/01/30
0
1962109 G81/G02 F 50,670.00 ZZ
360 50,670.00 1
1460 WEST 43 PLACE UNIT 201 8.500 389.61 90
8.250 389.61 56,300.00
1
HIALEAH FL 33012 1 12/21/99 10
0431736339 01 02/01/00 25
021912037 N 01/01/30
0
1962187 M18/G02 F 124,000.00 ZZ
360 124,000.00 2
1413-1415 EAST 58TH STREET 8.500 953.45 71
8.250 953.45 175,000.00
LOS ANGELES CA 90011 5 12/17/99 00
0431741271 05 02/01/00 0
980100719 O 01/01/30
0
1962189 R17/G02 F 132,000.00 ZZ
360 132,000.00 1
175 PROSPECT HILL ROAD 8.750 1,038.45 80
8.500 1,038.45 165,000.00
WINDSOR CT 06095 1 12/13/99 00
0431736172 05 02/01/00 0
4004100051 O 01/01/30
0
1962191 F34/G02 F 85,500.00 ZZ
360 85,500.00 1
65 KAYNOR DRIVE 9.625 726.74 90
9.375 726.74 95,000.00
WATERBURY CT 06708 1 12/09/99 01
0431736297 05 02/01/00 25
3299B054 N 01/01/30
0
1962210 A50/A50 F 200,000.00 ZZ
360 199,750.52 1
711 RIO DRIVE 8.375 1,520.14 75
8.125 1,520.14 270,000.00
FRIENDSVILLE TN 37737 5 10/18/99 00
MCBATH 05 12/01/99 0
MCBATH O 11/01/29
0
1962231 G81/G02 F 118,750.00 ZZ
360 118,750.00 1
6320 SW 149 COURT 8.875 944.83 95
8.625 944.83 125,000.00
MIAMI FL 33193 1 12/22/99 10
0431738525 05 02/01/00 30
021907079 O 01/01/30
0
1
1962246 664/G02 F 130,450.00 ZZ
360 130,450.00 1
2803 SW YANCY ST 8.750 1,026.26 90
8.500 1,026.26 145,000.00
SEATTLE WA 98126 1 12/03/99 11
0431732908 05 02/01/00 25
00 N 01/01/30
0
1962275 F96/G02 F 61,750.00 ZZ
360 61,750.00 3
255 GARSIDE STREET 9.000 496.85 95
8.750 496.85 65,000.00
NEWARK NJ 07104 1 12/16/99 01
0431737907 05 02/01/00 30
9902593 O 01/01/30
0
1962309 A35/G02 F 150,700.00 ZZ
360 150,700.00 1
33 43RD STREET 8.750 1,185.56 90
8.500 1,185.56 168,000.00
ISLIP NY 11751 1 12/22/99 04
0431738384 05 02/01/00 25
LPS10098 O 01/01/30
0
1962331 J87/G02 F 80,000.00 ZZ
360 80,000.00 1
384 MOUNT OLYMPUS AVENUE SE 8.250 601.01 80
8.000 601.01 100,000.00
OCEAN SHORES WA 98569 1 12/10/99 00
0431743384 05 02/01/00 0
01678 O 01/01/30
0
1962362 E86/G02 F 38,160.00 ZZ
360 38,160.00 3
291 BRITTANIA STREET 9.625 324.36 90
9.375 324.36 42,400.00
MERIDEN CT 06450 1 12/13/99 14
0431736180 05 02/01/00 25
52524 N 01/01/30
0
1962367 N84/G02 F 36,900.00 ZZ
360 36,900.00 1
1
10918 NEWTON STREET 9.250 303.57 90
9.000 303.57 41,000.00
HOUSTON TX 77075 1 12/21/99 10
0431738798 05 02/01/00 25
0387722 N 01/01/30
0
1962409 163/G02 F 66,000.00 ZZ
360 66,000.00 1
9200 JEAN STREET 8.750 519.22 90
8.500 519.22 73,644.00
LIVE OAK CA 95953 1 12/01/99 10
0431735414 05 02/01/00 25
0217198567 N 01/01/30
0
1962412 001/G02 F 158,175.00 ZZ
360 158,175.00 1
93 THOMPSON STREET 9.250 1,301.26 95
9.000 1,301.26 166,500.00
HYDE PARK MA 02136 1 12/17/99 10
0431735240 05 02/01/00 30
1536439 O 01/01/30
0
1962418 830/G02 F 92,000.00 ZZ
360 92,000.00 1
2318 WEST 4150 SOUTH 8.500 707.40 83
8.250 707.40 111,000.00
TAYLORSVILLE UT 84119 5 12/17/99 14
0431738871 09 02/01/00 25
SMITH544338 O 01/01/30
0
1962440 F18/G02 F 133,500.00 ZZ
360 133,500.00 1
3818 SHINGLEWOOD COURT 8.750 1,050.25 61
#10 8.500 1,050.25 220,000.00
UNION CITY CA 94587 5 12/23/99 00
0431738780 01 02/01/00 0
R02369 O 01/01/30
0
1962507 G34/G02 F 135,000.00 ZZ
360 134,922.33 1
5 CASA VERDE ROAD 8.750 1,062.05 86
8.500 1,062.05 158,500.00
LAREDO TX 78040 2 11/29/99 04
0431744697 05 01/01/00 25
1
90985517 O 12/01/29
0
1962512 420/G02 F 124,000.00 ZZ
360 124,000.00 1
15675 RIVERSIDE DRIVE 8.625 964.46 54
8.375 964.46 233,000.00
GUERNEVILLE CA 95446 1 12/10/99 00
0431736206 05 02/01/00 0
0000438317 N 01/01/30
0
1962525 R61/G02 F 220,500.00 ZZ
360 220,500.00 2
2049 W FULLERTON AVE 9.250 1,814.00 90
9.000 1,814.00 245,000.00
CHICAGO IL 60647 1 12/01/99 04
0431739507 05 02/01/00 25
11003 O 01/01/30
0
1962555 K81/G02 F 120,500.00 ZZ
240 120,298.59 1
3823 SE 23RD TERR 8.125 1,017.30 90
7.875 1,017.30 134,000.00
TOPEKA KS 66605 5 11/24/99 11
0431741438 05 01/01/00 25
6001291 O 12/01/19
0
1962582 601/G02 F 32,400.00 ZZ
360 32,400.00 1
187 COUL ST 9.625 275.40 90
9.375 275.40 36,000.00
MANSFIELD OH 44903 2 12/08/99 10
0431746460 05 02/01/00 25
60145091 N 01/01/30
0
1962588 601/G02 F 115,200.00 ZZ
360 115,131.98 1
1514 GRIEGOE RD NW 8.625 896.02 90
8.375 896.02 128,000.00
ALBUQUERQUE NM 87107 1 11/22/99 10
0431746437 05 01/01/00 25
60144771 O 12/01/29
0
1
1962630 637/G02 F 64,800.00 ZZ
360 64,800.00 4
18 BROOK STREET 9.625 550.80 90
9.125 550.80 72,000.00
SANFORD ME 04073 1 12/17/99 14
0431738509 05 02/01/00 25
019047083 N 01/01/30
0
1962633 637/G02 F 214,000.00 ZZ
360 214,000.00 1
3006 YORK ROAD 8.250 1,607.71 72
7.750 1,607.71 300,000.00
EVERETT WA 98204 5 12/14/99 00
0431738616 05 02/01/00 0
16192163 O 01/01/30
0
1962637 637/G02 F 99,100.00 ZZ
360 99,100.00 2
6392 COPPER HILL DRIVE 9.000 797.39 90
8.500 797.39 110,139.00
PRESCOTT VALLEY AZ 86314 1 12/15/99 04
0431739259 05 02/01/00 25
0015345085 N 01/01/30
0
1962641 637/G02 F 124,200.00 ZZ
360 124,200.00 2
631 & 651 SOUTH 11TH AVE 9.375 1,033.04 90
8.875 1,033.04 138,000.00
OTHELLO WA 99344 1 12/13/99 12
0431738574 05 02/01/00 25
0012473856 N 01/01/30
0
1962643 637/G02 F 82,000.00 ZZ
360 82,000.00 3
235 A B AND C SOUTH F ST 8.750 645.10 80
8.250 645.10 102,500.00
TULARE CA 93274 1 12/08/99 00
0431746767 05 02/01/00 0
0013959168 N 01/01/30
0
1962657 637/G02 F 132,000.00 ZZ
360 132,000.00 1
3009 HAWK LANE 9.125 1,074.00 80
8.625 1,074.00 165,000.00
1
ROLLING MEADOWS IL 60008 1 12/20/99 00
0431738814 05 02/01/00 0
0020213674 O 01/01/30
0
1962678 R43/G02 F 92,700.00 ZZ
360 92,700.00 1
710 S DEPEYSTER ST 9.375 771.03 90
9.125 771.03 103,000.00
KENT OH 44240 1 12/22/99 12
0431745520 05 02/01/00 25
000002923 N 01/01/30
0
1962704 K15/G02 F 67,200.00 ZZ
360 67,200.00 1
1025 S VERDUGO AVENUE 9.125 546.76 80
8.875 546.76 84,000.00
TUCSON AZ 85745 5 12/13/99 00
0431744747 05 02/01/00 0
3006334 O 01/01/30
0
1962709 637/G02 F 198,000.00 ZZ
360 197,876.93 1
364 KELLETT ROAD 8.375 1,504.95 90
8.125 1,504.95 220,000.00
ARMUCHEE GA 30105 1 12/03/99 10
0431737923 05 01/01/00 25
0012063095 O 12/01/29
0
1962809 637/G02 F 131,400.00 ZZ
360 131,400.00 1
569 CAISSON DRIVE 8.750 1,033.73 90
8.250 1,033.73 146,000.00
MARIETTA GA 30064 1 12/14/99 10
0431738285 05 02/01/00 25
12064283 O 01/01/30
0
1962842 L73/G02 F 157,500.00 ZZ
360 157,500.00 1
7016 EAST LOS SANTOS DRIVE 8.625 1,225.02 70
8.375 1,225.02 225,000.00
LONG BEACH CA 90815 1 12/27/99 00
0431743178 05 02/01/00 0
46000846 O 01/01/30
0
1
1962859 F18/G02 F 110,000.00 ZZ
360 110,000.00 1
893 A & B 55TH STREET 8.500 845.81 50
8.250 845.81 220,000.00
OAKLAND CA 94608 5 12/13/99 00
0431745082 05 02/01/00 0
R02355 N 01/01/30
0
1962862 F03/G02 F 54,000.00 ZZ
360 54,000.00 1
156 NORTH 5TH STREET 9.375 449.14 82
9.125 449.14 66,000.00
FORT LUPTON CO 80621 1 12/23/99 11
0431738673 05 02/01/00 25
DEN13698 N 01/01/30
0
1962863 F18/G02 F 252,650.00 ZZ
360 252,650.00 1
7373 SARONI DRIVE 8.750 1,987.60 79
8.500 1,987.60 320,000.00
OAKLAND CA 94611 5 12/09/99 00
0431743566 05 02/01/00 0
R02341 O 01/01/30
0
1962868 624/G02 F 144,000.00 ZZ
360 144,000.00 1
572 EAST 200 SOUTH 8.750 1,132.85 77
8.500 1,132.85 188,000.00
PLEASANT GROVE UT 84062 2 12/20/99 00
0431739150 05 02/01/00 0
67048590033 O 01/01/30
0
1962899 163/G02 F 133,000.00 ZZ
360 133,000.00 2
275 NORMANDY STREET 9.125 1,082.14 70
8.875 1,082.14 190,000.00
BOSTON MA 02121 5 12/21/99 00
0431739960 05 02/01/00 0
1000140294 N 01/01/30
0
1962913 A50/A50 F 24,300.00 ZZ
360 24,287.40 1
1
14 E CARVER AVENUE 9.250 199.91 90
9.000 199.91 27,000.00
PENSACOLA FL 32506 1 11/15/99 11
127437 05 01/01/00 25
127437 N 12/01/29
0
1962924 A50/A50 F 170,500.00 T
360 170,396.71 1
4316 FIRST STREET 8.500 1,311.00 32
8.250 1,311.00 546,500.00
ST SIMONS ISLAN GA 31522 2 11/05/99 00
123960 05 01/01/00 0
123960 O 12/01/29
0
1962932 G34/G02 F 194,000.00 ZZ
360 194,000.00 1
10909 FAROLA DRIVE NW 8.375 1,474.54 80
8.125 1,474.54 244,000.00
ALBUQUERQUE NM 87114 1 12/06/99 00
0431739556 03 02/01/00 0
91185119 O 01/01/30
0
1963036 F26/G02 F 116,000.00 ZZ
360 116,000.00 1
7319 54TH AVENUE NORTHWEST 8.875 922.95 78
8.625 922.95 149,000.00
GIG HARBOR WA 98335 2 12/15/99 00
0431740927 03 02/01/00 0
7142659607 N 01/01/30
0
1963098 G44/G02 F 161,500.00 ZZ
360 161,500.00 1
6100 SW 108 PLACE 8.875 1,284.97 95
8.625 1,284.97 170,000.00
MIAMI FL 33173 1 12/23/99 01
0431745611 05 02/01/00 30
1199015 O 01/01/30
0
1963181 163/G02 F 75,600.00 ZZ
360 75,600.00 1
9896 MARINO DRIVE 8.750 594.75 90
8.500 594.75 84,000.00
CINCINNATI OH 45251 5 12/13/99 04
0431740687 05 02/01/00 25
1
0217215692 O 01/01/30
0
1963481 A80/G02 F 49,600.00 ZZ
360 49,600.00 1
8620 BYRON AVENUE #9-A 9.375 412.55 80
9.125 412.55 62,000.00
MIAMI BEACH FL 33141 1 12/30/99 00
0431745108 01 02/01/00 0
993008720 O 01/01/30
0
1963482 E53/G02 F 123,500.00 ZZ
360 123,500.00 3
12735-39 NE 13TH AVE 9.750 1,061.06 75
9.500 1,061.06 165,000.00
N MIAMI FL 33161 1 12/29/99 00
0431743780 05 02/01/00 0
0011109765 N 01/01/30
0
1963504 163/G02 F 72,000.00 ZZ
360 72,000.00 2
14 LUDLOW ROAD 8.875 572.86 90
8.625 572.86 80,000.00
MIDDLETOWN RI 02842 1 12/17/99 04
0431743681 05 02/01/00 25
1900004727 N 01/01/30
0
1963518 E87/G02 F 128,000.00 T
360 128,000.00 1
2737 CHAPARRAL LANE 8.375 972.89 80
8.125 972.89 160,000.00
PASO ROBLES CA 93446 1 12/20/99 00
0431745215 03 02/01/00 0
70002734 O 01/01/30
0
1963817 637/G02 F 85,500.00 ZZ
360 85,500.00 3
521 ORKNEY ROAD 8.500 657.43 90
8.250 657.43 95,000.00
BALTIMORE MD 21212 1 12/23/99 12
0431747013 05 02/01/00 25
0019152784 N 01/01/30
0
1
1963927 637/G02 F 100,000.00 ZZ
360 100,000.00 1
245 LEWIS STREET 8.500 768.92 80
8.250 768.92 126,000.00
PAGOSA SPRINGS CO 81147 5 12/16/99 00
0431746924 05 02/01/00 0
0014987945 O 01/01/30
0
2747432 E22/G02 F 24,300.00 T
360 24,162.73 1
1603 PARKVIEW DRIVE 9.000 195.52 90
UNIT # D9 8.750 195.52 27,000.00
CANYON LAKE TX 78133 1 02/19/99 10
0411241789 01 04/01/99 25
0411241789 O 03/01/29
0
2799061 526/526 F 37,350.00 ZZ
360 37,085.27 1
3100 JEANETTA #406 7.875 270.81 90
7.625 270.81 41,500.00
HOUSTON TX 77063 1 03/01/99 12
0364842 01 04/01/99 25
0364842 O 03/01/29
0
2799199 526/526 F 27,000.00 ZZ
360 26,832.51 1
351 EAST THOMAS ROAD #B101 8.000 198.12 90
7.750 198.12 30,000.00
PHOENIX AZ 85012 1 03/04/99 10
0365396 01 05/01/99 25
0365396 O 04/01/29
0
2803337 286/286 F 37,050.00 ZZ
360 36,836.84 1
1203 N 47TH PL 8.375 281.61 95
8.125 281.61 39,000.00
PHOENIX AZ 85008 1 03/29/99 11
0008980965 01 05/01/99 30
0008980965 O 04/01/29
0
2805771 E22/G02 F 43,200.00 ZZ
360 43,017.54 1
18515 EGRET BAY BOULEVARD 1207 8.625 336.01 90
8.375 336.01 48,000.00
1
WEBSTER TX 77598 1 05/13/99 10
0411415185 01 07/01/99 25
0411415185 O 06/01/29
0
2829263 623/623 F 18,900.00 ZZ
360 18,788.50 1
620 HENRY SE 8.250 141.99 90
8.000 141.99 21,000.00
GRAND RAPIDS MI 49507 1 03/09/99 10
1231662 05 05/01/99 25
1231662 N 04/01/29
0
2832787 638/G02 F 44,100.00 ZZ
360 43,919.46 1
8158 WINTER GARDENS BOULEVARD 8.000 323.59 90
9 7.750 323.59 49,000.00
LAKESIDE CA 92040 1 06/03/99 10
0431367465 01 08/01/99 25
8868674 O 07/01/29
0
2836363 K08/G02 F 36,000.00 ZZ
360 35,873.45 1
10133 TWIN LAKES DR 8.750 283.21 80
8.500 283.21 45,000.00
CORAL SPRINGS FL 33071 1 06/29/99 00
0411500598 01 08/01/99 0
0411500598 O 07/01/29
0
2838674 K08/G02 F 43,700.00 ZZ
360 43,584.96 1
3810 INWOOD ROAD, UNIT # 215 9.250 359.51 95
9.000 359.51 46,000.00
DALLAS TX 75209 1 07/02/99 04
0411506082 01 09/01/99 30
0411506082 O 08/01/29
0
2844536 526/526 F 45,000.00 ZZ
360 44,761.77 2
40 GRANT STREET 7.500 314.65 90
7.250 314.65 50,000.00
ELLSWORTH ME 04605 1 05/14/99 11
0371794 05 07/01/99 25
0371794 O 06/01/29
0
1
2844555 526/526 F 39,100.00 ZZ
360 38,943.90 1
625 WEST LOWELL AVE, UNIT H 8.125 290.32 85
7.875 290.32 46,000.00
HAVERHILL MA 01830 1 06/08/99 11
0373493 01 08/01/99 12
0373493 O 07/01/29
0
2844561 526/526 F 44,000.00 ZZ
360 43,845.31 1
15 CRESCENT STREET, UNIT #8 8.750 346.15 95
8.500 346.15 46,350.00
LAWRENCE MA 01841 1 06/30/99 10
0373763 01 08/01/99 30
0373763 O 07/01/29
0
2844574 526/526 F 44,100.00 ZZ
360 43,928.34 1
2300 OLD SPANISH TRAIL 8.250 331.31 90
UNIT 2103 8.000 331.31 49,000.00
HOUSTON TX 77054 1 06/04/99 11
0374255 01 08/01/99 25
0374255 O 07/01/29
0
2850162 K08/G02 F 32,750.00 ZZ
360 32,663.78 1
4374 NW 9TH AVE UNIT #16F1 9.250 269.43 95
9.000 269.43 34,500.00
POMPANO BEACH FL 33064 1 07/16/99 10
0411522972 01 09/01/99 30
0411522972 O 08/01/29
0
2863198 074/074 F 48,200.00 ZZ
360 48,066.30 2
ROUTE 12 BOX 664-C BOBCAT LANE 9.000 387.83 95
8.750 387.83 50,750.00
FAYETTEVILLE NC 28306 1 07/09/99 14
1577246300 05 09/01/99 30
1577246300 O 08/01/29
0
2863659 K08/G02 F 30,850.00 ZZ
360 30,788.60 1
1
3500 TANGLEBRUSH 9.500 259.40 95
9.250 259.40 32,500.00
THE WOODLANDS TX 77381 1 08/04/99 04
0411531015 01 10/01/99 30
0411531015 O 09/01/29
0
2865735 K08/G02 F 45,500.00 ZZ
360 45,399.48 1
909 SOUTH DAWSON WAY, UNIT #5 9.000 366.10 95
8.750 366.10 47,900.00
AURORA CO 80012 1 08/09/99 04
0411560055 01 10/01/99 30
0411560055 O 09/01/29
0
2869542 638/G02 F 44,100.00 ZZ
360 43,940.87 1
702 BERINO DRIVE #122 8.250 331.31 90
8.000 331.31 49,000.00
HOUSTON TX 77057 1 07/21/99 10
0431418631 01 09/01/99 25
08904860 O 08/01/29
0
2871940 638/G02 F 35,625.00 ZZ
360 35,463.98 1
1860 WHITE OAK DRIVE #247 8.750 280.26 95
8.500 280.26 37,500.00
HOUSTON TX 77009 1 08/05/99 14
0431428085 01 09/01/99 30
8903534 O 08/01/29
0
2878417 K08/G02 F 41,600.00 ZZ
360 41,512.74 1
5 H WINDSOR TERRACE 9.250 342.23 80
9.000 342.23 52,000.00
FREEHOLD TOWNSH NJ 07728 1 08/17/99 00
0411531403 01 10/01/99 0
0411531403 O 09/01/29
0
2879541 196/G02 F 38,950.00 ZZ
360 38,571.70 1
296C MERIDIAN STREET 8.625 302.95 95
8.375 302.95 41,000.00
GROTON CT 06340 1 07/21/99 10
0431443167 01 09/01/99 30
1
1290526 O 08/01/29
0
2880338 196/G02 F 37,600.00 T
360 37,425.23 1
1611 EUCLID AVENUE 8.625 292.45 80
#8 8.375 292.45 47,000.00
MIAMI BEACH FL 33139 1 07/30/99 00
0431442672 01 09/01/99 0
1292274 O 08/01/29
0
2890750 K08/G02 F 38,000.00 ZZ
360 37,869.38 1
4210 PACKARD # 3 8.875 302.35 95
8.625 302.35 40,000.00
ANN ARBOR MI 48108 1 06/17/99 04
0411480262 01 08/01/99 30
0411480262 O 07/01/29
0
2897357 K08/G02 F 76,400.00 ZZ
360 76,235.49 2
5509-11 BONITA AVENUE 9.125 621.62 80
8.875 621.62 95,500.00
DALLAS TX 75206 1 08/31/99 00
0411513880 05 10/01/99 0
0411513880 N 09/01/29
0
2897425 K08/G02 F 53,600.00 ZZ
360 53,484.59 1
4011 MERIDIAN AVE. 9.125 436.11 80
#25 8.875 436.11 67,000.00
MIAMI BEACH FL 33140 1 08/20/99 00
0411533169 01 10/01/99 0
0411533169 O 09/01/29
0
2898652 K08/G02 F 50,100.00 ZZ
360 49,970.91 1
11206 NORTHEAST 68TH STREET 8.250 376.38 78
8.000 376.38 65,000.00
KIRKLAND WA 98033 1 08/18/99 00
0411553738 01 10/01/99 0
0411553738 O 09/01/29
0
1
2899940 K08/G02 F 98,100.00 ZZ
360 97,690.17 1
4242 N. CAPISTRANO DRIVE 8.375 745.63 90
UNIT # 234 8.125 745.63 109,000.00
DALLAS TX 75287 1 08/23/99 10
0411567886 01 10/01/99 25
0411567886 O 09/01/29
0
2901566 560/560 F 52,000.00 ZZ
360 51,707.02 1
5284 GATE LAKE ROAD 7.875 377.04 80
7.625 377.04 65,000.00
TAMARAC FL 33319 1 04/28/99 00
121250104 01 06/01/99 0
121250104 O 05/01/29
0
2901626 560/560 F 44,000.00 T
360 43,676.69 1
99 SILVER STREET 4-2 8.500 338.33 71
8.250 338.33 62,000.00
PORTLAND ME 04101 1 01/27/99 00
166947309 01 03/01/99 0
166947309 O 02/01/29
0
2901789 560/560 F 40,000.00 ZZ
360 38,385.19 1
1149 CANTERBURY SQUARE S 8.125 297.00 62
7.875 297.00 65,000.00
INDIANAPOLIS IN 46260 1 05/17/99 00
121682405 01 07/01/99 0
121682405 O 06/01/29
0
2906950 526/526 F 52,650.00 ZZ
360 52,545.17 1
10211 URA LANE BLDG. 3 #101 9.500 442.71 90
9.250 442.71 58,500.00
THORNTON CO 80221 1 08/06/99 12
0379168 01 10/01/99 25
0379168 O 09/01/29
0
2906962 526/526 F 39,600.00 ZZ
360 39,427.84 1
9809 RICHMOND #13 9.125 322.20 90
8.875 322.20 44,000.00
1
HOUSTON TX 77042 1 08/25/99 11
0380127 01 10/01/99 25
0380127 O 09/01/29
0
2910376 K08/G02 F 32,850.00 ZZ
360 32,801.14 1
1000 LAKE OF THE WOODS BLVD., 9.500 276.22 90
UNIT #101G 9.250 276.22 36,500.00
FERN PARK FL 32730 1 09/10/99 04
0411590359 01 11/01/99 25
0411590359 O 10/01/29
0
2913883 K08/G02 F 39,150.00 ZZ
360 39,081.94 1
2219 CREW CIRCLE UNIT #2219 8.750 307.99 90
8.500 307.99 43,500.00
DAYTON OH 45439 1 09/13/99 04
0411598139 01 11/01/99 25
0411598139 O 10/01/29
0
2915866 K08/G02 F 49,400.00 ZZ
360 49,326.53 1
80 DAMON ROAD UNIT 4-205 9.500 415.38 95
9.250 415.38 52,000.00
NORTHAMPTON MA 01060 1 09/15/99 10
0411544208 01 11/01/99 30
0411544208 O 10/01/29
0
2920208 K08/G02 F 32,800.00 ZZ
360 32,722.94 1
3040 NE 16TH AVENUE 8.875 260.97 80
UNIT #403 8.625 260.97 41,000.00
FORT LAUDERDALE FL 33334 1 09/17/99 00
0411601131 01 11/01/99 0
0411601131 O 10/01/29
0
2932725 623/G02 F 43,700.00 ZZ
360 43,600.90 1
11 RAMBLING BROOK 8.875 347.70 95
UNIT 1-C-8 8.625 347.70 46,000.00
GLASTONBURY CT 06033 1 08/26/99 11
0431509496 01 10/01/99 30
1365257 O 09/01/29
0
1
2932747 623/G02 F 50,750.00 ZZ
360 50,654.13 2
420 EDMUND AVENUE 9.750 436.02 70
9.500 436.02 72,500.00
SAINT PAUL MN 55103 1 08/31/99 00
0431512094 05 10/01/99 0
1382024 O 09/01/29
0
2933218 623/G02 F 134,800.00 ZZ
360 134,517.19 1
1648 DOBIE CIRCLE 9.250 1,108.97 80
9.000 1,108.97 168,500.00
OKEMOS MI 48864 1 08/24/99 00
0431509504 05 10/01/99 0
1370207 O 09/01/29
0
2934134 K08/G02 F 36,450.00 ZZ
360 36,199.21 1
3550 NW 104TH AVENUE, UNIT #21 9.375 303.17 90
9.125 303.17 40,500.00
CORAL SPRINGS FL 33065 1 09/27/99 10
0411612138 01 11/01/99 25
0411612138 O 10/01/29
0
2937257 074/074 F 47,500.00 ZZ
360 45,776.31 4
421 N LIVE OAK STREET 8.750 373.68 95
8.500 373.68 50,000.00
HOUSTON TX 77003 1 08/30/99 12
1539035570 05 10/01/99 30
1539035570 O 09/01/29
0
2937273 074/074 F 89,550.00 ZZ
360 89,301.05 3
1355 SENECA AVENUE 7.875 649.30 95
7.625 649.30 94,300.00
TIFFIN OH 44883 1 08/20/99 01
1581334682 05 10/01/99 30
1581334682 O 09/01/29
0
2937282 074/074 F 159,950.00 T
360 159,671.90 1
1
1413 JOHN MOORE ROAD 8.750 1,258.33 70
8.500 1,258.33 230,000.00
BRANDON FL 33511 1 09/03/99 00
1589375796 05 11/01/99 0
1589375796 O 10/01/29
0
2941529 K08/G02 F 40,000.00 ZZ
360 39,875.99 1
211 ABBOTT FARM UNIT #211 9.000 321.85 80
8.750 321.85 50,000.00
HUDSON NH 03051 1 09/30/99 00
0411625932 01 11/01/99 0
0411625932 O 10/01/29
0
2941540 K08/G02 F 38,950.00 ZZ
360 38,872.46 1
11311 AUDELIA ROAD 9.500 327.51 95
UNIT #174 9.250 327.51 41,000.00
DALLAS TX 75243 1 09/30/99 10
0411633837 01 11/01/99 30
0411633837 O 10/01/29
0
2945819 623/G02 F 45,000.00 ZZ
360 44,887.58 1
91 ATWATER AVENUE 9.500 378.38 70
9.250 378.38 64,400.00
ANSONIA CT 06401 1 07/30/99 00
0431539071 01 09/01/99 0
1367502 O 08/01/29
0
2945835 623/G02 F 36,000.00 ZZ
360 35,946.45 1
1433 FAIRMEADOWS LANE 9.500 302.71 80
9.250 302.71 45,011.00
ST LOUIS MO 63138 1 09/10/99 00
0431545037 05 11/01/99 0
1375258 O 10/01/29
0
2945856 623/G02 F 25,200.00 ZZ
360 25,139.82 1
9010 9TH STREET 8.625 196.01 90
8.375 196.01 28,000.00
PHOENIX AZ 85020 1 08/06/99 11
0431539709 01 10/01/99 25
1
6216289 O 09/01/29
0
2947965 K15/G02 F 46,800.00 ZZ
360 46,697.25 1
208 HAYNIE MILL RD 9.030 377.57 86
8.780 377.57 55,000.00
BELTON SC 29627 1 08/26/99 10
0431577931 05 10/01/99 25
015705300038 O 09/01/29
0
2948032 K15/G02 F 31,100.00 ZZ
360 31,034.41 1
136 CLARA ST 9.225 255.29 90
8.975 255.29 34,600.00
CROFTON KY 42217 2 08/19/99 10
0431576677 05 10/01/99 25
034005300048 O 09/01/29
0
2950775 134/G02 F 49,950.00 ZZ
360 49,863.15 1
1927 E HAMPTON AVE #252 8.750 392.96 90
8.500 392.96 55,500.00
MESA AZ 85204 1 09/23/99 11
0431531797 01 11/01/99 25
8970022 O 10/01/29
0
2952004 K08/G02 F 33,350.00 ZZ
360 33,292.04 1
6410 DEL MONTE DRIVE 8.750 262.36 80
8.500 262.36 41,700.00
HOUSTON TX 77057 1 10/05/99 00
0411643166 01 11/01/99 0
0411643166 O 10/01/29
0
2952542 196/G02 F 52,250.00 ZZ
360 52,172.28 1
4520 KING STREET #307 9.500 439.35 95
9.250 439.35 55,000.00
ALEXANDRIA VA 22302 1 09/24/99 10
0431558972 08 11/01/99 30
1348977 O 10/01/29
0
1
2957374 E82/G02 F 32,550.00 T
360 32,514.32 1
405 SHORT DRIVE 9.000 261.90 62
8.750 261.90 52,500.00
KISSIMMEE FL 34759 1 10/07/99 00
0400237012 05 12/01/99 0
0400237012 O 11/01/29
0
2959456 K08/G02 F 52,150.00 ZZ
360 52,094.29 1
2189 SOUTH ELECTRIC STREET 9.125 424.31 95
8.875 424.31 54,900.00
DETROIT MI 48217 1 10/11/99 04
0411622665 05 12/01/99 30
0411622665 O 11/01/29
0
2959659 196/G02 F 44,000.00 ZZ
360 43,925.43 1
294C MERIDIAN STREET 8.875 350.09 90
UNIT 27 8.625 350.09 48,900.00
GROTON CT 06340 1 09/28/99 10
0431556307 01 11/01/99 25
12847222 O 10/01/29
0
2964373 287/287 F 45,000.00 ZZ
360 44,895.29 1
1559 HARVEST LANE 8.750 354.02 90
8.500 354.02 50,000.00
YPSILANTI MI 48197 2 08/19/99 14
8277527 05 10/01/99 25
8277527 O 09/01/29
0
2964400 287/287 F 232,200.00 ZZ
360 231,486.61 4
7851 CRONIN AVENUE 8.500 1,785.42 90
8.250 1,785.42 258,000.00
JUSTICE IL 60458 1 07/19/99 11
8348351 05 09/01/99 25
8348351 O 08/01/29
0
2967576 K08/G02 F 24,700.00 ZZ
360 24,624.96 1
5721 HARVEST HILL ROAD 9.375 205.44 95
UNIT 2036 9.125 205.44 26,000.00
1
DALLAS TX 75230 1 10/14/99 10
0411653264 01 12/01/99 30
0411653264 O 11/01/29
0
2968544 A06/G02 F 35,000.00 ZZ
360 34,964.72 1
492 EAST CENTER 9.500 294.30 62
9.250 294.30 57,000.00
ESSEXVILLE MI 48732 5 10/02/99 00
0431573211 05 12/01/99 0
001000009907269 O 11/01/29
0
2974040 076/076 F 50,000.00 ZZ
360 49,886.64 1
4625 PARKOAKS DRIVE 8.875 397.82 63
8.625 397.82 80,000.00
BATON ROUGE LA 70816 1 08/16/99 00
1484450 03 10/01/99 0
1484450 O 09/01/29
0
2975799 736/G02 F 114,650.00 T
360 114,479.47 1
5344 CORAL VINE LANE 9.500 964.04 75
9.250 964.04 152,918.00
KISSIMMEE FL 34758 1 09/30/99 00
0431587047 03 11/01/99 0
910876 O 10/01/29
0
2975811 736/G02 F 61,500.00 T
360 61,417.69 1
2367 FLAMINGO WAY 10.000 539.71 75
9.750 539.71 82,000.00
WINTER PARK FL 32792 1 09/30/99 00
0431586825 09 11/01/99 0
941031 O 10/01/29
0
2975814 736/G02 F 81,750.00 T
360 81,634.64 1
15902 BOATSWAIN COURT 9.750 702.36 75
9.500 702.36 109,000.00
CROSBY TX 77532 1 09/29/99 00
0431586429 03 11/01/99 0
941865 O 10/01/29
0
1
2975837 736/G02 F 388,000.00 ZZ
360 386,964.30 4
5315-5323 WEST 8TH STREET 9.500 3,262.52 80
9.250 3,262.52 485,000.00
LOS ANGELES CA 90036 1 09/13/99 00
0431709302 05 11/01/99 0
950483 O 10/01/29
0
2975879 736/G02 F 123,700.00 T
360 122,946.68 1
226 BAILEY CIRCLE 9.000 995.32 75
8.750 995.32 164,964.00
DAVENPORT FL 33837 1 07/23/99 00
0431586510 03 09/01/99 0
959393 O 08/01/29
0
2977356 K15/G02 F 49,200.00 ZZ
360 49,152.68 1
526 MICHAEL ST 9.625 418.19 72
9.375 418.19 69,000.00
MARRERO LA 70072 5 10/11/99 00
0431632140 05 12/01/99 0
000030005300227 O 11/01/29
0
2983546 K08/G02 F 44,000.00 ZZ
360 43,959.86 1
1311 ANTOINE DRIVE UNIT 1 9.875 382.07 95
9.625 382.07 46,350.00
HOUSTON TX 77055 1 10/15/99 04
0411648496 01 12/01/99 30
0411648496 O 11/01/29
0
2985555 976/R97 F 143,100.00 ZZ
360 142,930.41 3
13 BURHANS AVENUE 8.625 1,113.02 90
8.375 1,113.02 159,000.00
YONKERS NY 10701 1 10/14/99 11
0431600246 05 12/01/99 25
5841037 O 11/01/29
0
2993300 K08/G02 F 51,600.00 ZZ
360 51,490.40 1
1
8044 BOGLE STREET 8.750 405.94 80
8.500 405.94 64,500.00
YALAHA FL 34797 1 10/27/99 00
0411646276 05 12/01/99 0
0411646276 O 11/01/29
0
2993301 K08/G02 F 54,000.00 ZZ
360 53,930.90 1
135-H PLYMOUTH LANE 8.250 405.68 90
8.000 405.68 60,000.00
MONROE TOWNSHIP NJ 08816 1 10/27/99 04
0411646516 01 12/01/99 25
0411646516 O 11/01/29
0
2993766 074/074 F 203,000.00 T
360 202,489.97 1
120 EAST 87TH STREET 8.375 1,542.95 70
8.125 1,542.95 290,000.00
NEW YORK NY 10128 1 08/23/99 00
1106263685 06 10/01/99 0
1106263685 O 09/01/29
0
2993788 074/074 F 19,950.00 T
360 19,926.36 1
11614 ROYAL PALM BLVD 8.625 155.17 70
8.375 155.17 28,500.00
CORAL SPRINGS FL 33065 1 10/07/99 00
1302050686 01 12/01/99 0
1302050686 O 11/01/29
0
2993806 074/074 F 234,840.00 ZZ
360 234,307.51 2
6 MARNE AVENUE 8.875 1,868.49 95
8.625 1,868.49 247,200.00
STATEN ISLAND NY 10312 1 09/01/99 10
1503607184 05 10/01/99 30
1503607184 O 09/01/29
0
2993838 074/074 F 73,800.00 ZZ
360 73,684.31 1
112 WILLOW LAKE DRIVE 9.250 607.14 90
9.000 607.14 82,000.00
KINGSLAND GA 31548 1 09/14/99 14
1566185918 05 11/01/99 25
1
1566185918 N 10/01/29
0
2998489 K08/G02 F 40,000.00 ZZ
360 39,953.81 1
5230 SW 112 AVENUE 8.750 314.68 29
8.500 314.68 140,000.00
MIAMI FL 33165 5 10/25/99 00
0411628555 05 12/01/99 0
0411628555 O 11/01/29
0
2998520 K08/G02 F 42,000.00 ZZ
360 41,857.61 2
20047-49 IRVINGTON 9.500 353.16 70
9.250 353.16 60,000.00
DETROIT MI 48203 5 10/29/99 00
0411648629 05 12/01/99 0
0411648629 N 11/01/29
0
2998536 K08/G02 F 35,000.00 ZZ
360 34,912.42 1
145 MILE CREEK ROAD 9.125 284.77 20
8.875 284.77 175,000.00
OLD LYME CT 06371 1 10/29/99 00
0411658362 05 12/01/99 0
0411658362 O 11/01/29
0
2998549 K08/G02 F 42,500.00 ZZ
360 41,291.14 1
1268 E. RAMON ROAD 9.375 353.49 85
UNIT #39 9.125 353.49 50,000.00
PALM SPRINGS CA 92264 1 10/25/99 04
0411667710 01 12/01/99 20
0411667710 O 11/01/29
0
2998558 K08/G02 F 48,900.00 ZZ
360 48,850.41 1
5616 E PRESTON OAKS ROAD 9.375 406.73 95
UNIT 504 9.125 406.73 51,500.00
DALLAS TX 75240 1 10/29/99 04
0411670672 01 12/01/99 30
0411670672 O 11/01/29
0
1
2998562 K08/G02 F 98,500.00 ZZ
360 98,347.78 1
3426 FRANKLIN AVE 8.750 774.90 77
8.500 774.90 128,500.00
MIAMI FL 33133 1 10/26/99 00
0411672504 09 12/01/99 0
0411672504 O 11/01/29
0
3000034 637/G02 F 116,000.00 ZZ
360 115,536.26 3
68 NORTH WARREN AVE 8.500 891.94 79
8.250 891.94 147,000.00
BROCTON MA 02302 5 09/30/99 00
0431601038 05 11/01/99 0
0018790592 N 10/01/29
0
3000820 K08/G02 F 50,000.00 ZZ
360 49,940.76 1
21 FERNWOOD WAY 8.625 388.89 70
8.375 388.89 72,000.00
ROME GA 30161 5 10/26/99 00
0411648603 03 12/01/99 0
0411648603 O 11/01/29
0
3003100 A02/G02 F 216,000.00 ZZ
360 215,750.55 1
1736 BLACK RIVER DRIVE NE 8.750 1,699.27 80
8.500 1,699.27 270,000.00
RIO RANCHO NM 87124 1 10/27/99 00
0431672161 05 12/01/99 0
22990125 O 11/01/29
0
3003597 K08/G02 F 50,000.00 ZZ
360 49,945.18 1
8334 RIDGE TERRACE 9.000 402.31 59
8.750 402.31 85,000.00
SAN ANTONIO TX 78251 5 10/28/99 00
0411676935 05 12/01/99 0
0411676935 O 11/01/29
0
3004496 A50/A50 F 34,400.00 ZZ
360 34,337.03 1
1771-F VALLEY AVENUE 8.500 264.51 79
8.250 264.51 43,954.00
1
HOMEWOOD AL 35209 1 10/05/99 00
126819 01 11/01/99 0
126819 O 10/01/29
0
3011061 K08/G02 F 54,600.00 ZZ
360 54,573.85 1
790 PINE ORCHARD ROAD 9.625 464.09 90
9.375 464.09 60,700.00
SMITHVILLE TN 37166 1 11/04/99 04
0411621741 27 01/01/00 25
0411621741 O 12/01/29
0
3014583 354/354 F 50,000.00 ZZ
360 49,824.15 1
10652 MAGRATH LANE 8.750 393.36 34
8.500 393.36 148,370.00
NEW PORT RICHEY FL 34654 1 07/02/99 00
0027677251 03 08/01/99 0
0027677251 O 07/01/29
0
3014586 354/354 F 52,215.92 ZZ
360 52,051.36 1
400 21ST PLACE 8.375 396.88 30
8.125 396.88 179,900.00
BRADENTON B FL 34217 1 08/16/99 00
0028350791 05 09/01/99 0
0028350791 O 08/01/29
0
3016071 526/526 F 47,800.00 T
360 47,691.60 1
2075 SW 122 AVE #511 8.875 380.32 70
8.625 380.32 68,330.00
MIAMI FL 33175 1 08/23/99 01
0379124 08 10/01/99 25
0379124 O 09/01/29
0
3017631 F44/G02 F 135,600.00 ZZ
240 135,390.44 1
119 GIBSON FLATS ROAD 8.750 1,198.31 80
8.500 1,198.31 169,500.00
GREAT FALLS MT 59405 5 11/05/99 00
0431654482 05 01/01/00 0
210350 O 12/01/19
0
1
3017873 K15/G02 F 40,500.00 ZZ
360 40,477.29 1
213 E PHOENIX STREET 8.875 322.24 62
8.625 322.24 65,500.00
PAYSON AZ 85541 1 11/01/99 00
0431620012 05 01/01/00 0
3001307 O 12/01/29
0
3019169 623/G02 F 49,000.00 T
360 48,912.58 1
502 SOUTH FIR STREET 8.625 381.12 70
8.375 381.12 70,000.00
MEDFORD OR 97501 1 09/29/99 00
0431637081 05 11/01/99 0
6289467 O 10/01/29
0
3019757 K08/G02 F 49,400.00 ZZ
360 49,375.70 1
2140 FOURTH ST 9.500 415.38 95
9.250 415.38 52,000.00
BAY CITY MI 48708 2 11/05/99 04
0411679574 05 01/01/00 30
0411679574 O 12/01/29
0
3023841 737/G02 F 48,750.00 ZZ
360 48,700.57 1
3254 ROBIN ROAD 9.375 405.48 65
9.125 405.48 75,000.00
DECATUR GA 30032 5 11/03/99 00
0431702281 05 12/01/99 0
955997 N 11/01/29
0
3025707 K08/G02 F 52,700.00 ZZ
360 52,667.24 1
3032 WEST LITCHFIELD PLACE 8.375 400.56 85
8.125 400.56 62,000.00
SPOKANE WA 99205 1 11/02/99 04
0411669799 05 01/01/00 20
0411669799 O 12/01/29
0
3026816 F42/G02 F 40,800.00 T
360 40,759.70 1
1
639 12TH STREET UNIT 8 9.500 343.07 80
9.250 343.07 51,000.00
MIAMI BEACH FL 33139 1 11/01/99 00
0431637693 01 12/01/99 0
99DA0467 O 11/01/29
0
3026871 A06/G02 F 108,750.00 ZZ
360 108,624.40 1
2173 ROSEMONT 8.750 855.54 75
8.500 855.54 145,000.00
BERKLEY MI 48072 2 10/29/99 00
0431636554 05 12/01/99 0
001000009936858 N 11/01/29
0
3027001 F42/G02 F 116,000.00 ZZ
360 115,866.04 1
737 ALHAMBRA CIRLCE 8.750 912.57 80
8.500 912.57 145,000.00
CORAL GABLES FL 33134 1 11/05/99 00
0431637610 05 12/01/99 0
99MB0018 O 11/01/29
0
3028320 K08/G02 F 27,000.00 ZZ
360 26,985.25 1
1007 MCINTOSH PLACE 9.000 217.25 90
UNIT # 10G 8.750 217.25 30,000.00
NEWBURGH NY 12550 1 11/15/99 10
0411575988 01 01/01/00 25
0411575988 O 12/01/29
0
3031148 134/G02 F 32,400.00 ZZ
360 32,367.15 1
400 EAST FORGEY 9.375 269.49 90
9.125 269.49 36,000.00
BLOOMING GROVE TX 76626 1 10/29/99 10
0431719327 05 12/01/99 25
8396483 N 11/01/29
0
3032711 K08/G02 F 150,000.00 ZZ
360 149,909.13 1
3016 IDLECREEK DRIVE 8.500 1,153.37 75
8.250 1,153.37 200,000.00
DALWORTHINGTON TX 76016 1 11/15/99 00
0411692676 05 01/01/00 0
1
0411692676 O 12/01/29
0
3032716 K08/G02 F 45,000.00 ZZ
360 44,972.74 1
1167 ROCK CANYON DRIVE 8.500 346.01 74
8.250 346.01 61,000.00
KATY TX 77450 1 11/15/99 00
0411700156 03 01/01/00 0
0411700156 O 12/01/29
0
3034753 737/G02 F 97,200.00 ZZ
360 97,145.50 1
631 DOSTER ROAD 8.875 773.37 90
8.625 773.37 108,000.00
JEFFERSON GA 30549 1 11/12/99 01
0431702398 05 01/01/00 25
2000119 N 12/01/29
0
3035438 K08/G02 F 42,650.00 ZZ
360 42,379.03 1
11311 AUDELIA RD, UNIT 198 9.500 358.62 95
9.250 358.62 44,900.00
DALLAS TX 75243 1 11/16/99 10
0411709181 01 01/01/00 30
0411709181 O 12/01/29
0
3040513 K08/G02 F 98,500.00 T
360 98,443.33 1
100 COVE WAY, UNIT # 401 8.750 774.90 72
8.500 774.90 137,000.00
QUINCY MA 02169 2 11/16/99 00
0411650930 06 01/01/00 0
0411650930 O 12/01/29
0
3040523 K08/G02 F 99,000.00 ZZ
360 98,951.30 4
1120 W HILLCREST 9.500 832.45 90
9.250 832.45 110,000.00
DAYTON OH 45406 1 11/19/99 10
0411677883 05 01/01/00 25
0411677883 N 12/01/29
0
1
3040539 K08/G02 F 39,200.00 ZZ
360 39,176.26 1
8 COLUMBIA DRIVE 8.500 301.41 80
8.250 301.41 49,000.00
BRIDGEWATER NJ 08807 1 11/19/99 00
0411696339 01 01/01/00 0
0411696339 N 12/01/29
0
3040648 K08/G02 F 207,200.00 ZZ
360 207,071.21 2
249 DAVID HOOPER PLACE 8.375 1,574.87 80
8.125 1,574.87 259,900.00
WESTWOOD NJ 07675 1 11/22/99 00
0411656655 05 01/01/00 0
0411656655 O 12/01/29
0
3040651 K08/G02 F 80,750.00 ZZ
360 80,090.74 2
7959 ALGON AVENUE 8.625 628.07 85
8.375 628.07 95,000.00
PHILADELPHIA PA 19111 1 10/25/99 10
0411666233 05 12/01/99 12
0411666233 O 11/01/29
0
3040661 K08/G02 F 40,500.00 ZZ
360 40,479.01 1
1106 WABASH 9.250 333.18 90
9.000 333.18 45,000.00
JOLIET IL 60432 1 11/22/99 04
0411682461 05 01/01/00 25
0411682461 N 12/01/29
0
3040671 K08/G02 F 169,000.00 ZZ
360 168,900.23 1
31218 CARRIAGE HILL 8.625 1,314.46 71
8.375 1,314.46 240,000.00
FARMINGTON HILL MI 48331 2 11/16/99 00
0411695737 05 01/01/00 0
0411695737 O 12/01/29
0
3040682 K08/G02 F 149,600.00 ZZ
360 149,507.01 1
4509 131ST PLACE NORTHEAST 8.375 1,137.07 80
8.125 1,137.07 187,000.00
1
MARYSVILLE WA 98271 5 11/15/99 00
0411705437 05 01/01/00 0
0411705437 O 12/01/29
0
3040684 K08/G02 F 50,000.00 ZZ
360 49,968.92 1
12 MADDIE COURT 8.375 380.04 39
8.125 380.04 129,500.00
CHICO CA 95973 1 11/16/99 00
0411707318 05 01/01/00 0
0411707318 O 12/01/29
0
3040985 K08/G02 F 118,900.00 ZZ
360 118,831.59 1
170 COLLIER ROAD 8.750 935.39 72
8.500 935.39 165,500.00
WILLIS TX 77378 4 11/23/99 00
0411261217 05 01/01/00 0
0411261217 O 12/01/29
0
3040995 K08/G02 F 161,400.00 ZZ
360 161,297.09 3
312 E. TAYLOR STREET 8.250 1,212.54 95
8.000 1,212.54 169,900.00
RENO NV 89502 1 11/19/99 04
0411664170 05 01/01/00 30
0411664170 O 12/01/29
0
3040996 K08/G02 F 141,500.00 ZZ
360 141,409.77 1
9815 IROQUOIS TRAIL 8.250 1,063.04 88
8.000 1,063.04 162,000.00
STAGECOACH NV 89429 2 11/10/99 04
0411670276 27 01/01/00 25
0411670276 O 12/01/29
0
3041007 K08/G02 F 108,000.00 ZZ
360 107,931.13 1
723 WEST LINDO AVENUE 8.250 811.37 80
8.000 811.37 135,000.00
CHICO CA 95926 1 11/18/99 00
0411690969 05 01/01/00 0
0411690969 O 12/01/29
0
1
3041009 K08/G02 F 171,000.00 ZZ
360 170,918.08 3
122-124 OCEAN AVENUE 9.625 1,453.48 90
9.375 1,453.48 190,000.00
CRANSTON RI 02905 1 11/23/99 10
0411694367 05 01/01/00 25
0411694367 N 12/01/29
0
3041014 K08/G02 F 160,650.00 ZZ
360 160,559.94 2
2839 SOUTHAMPTON WAY UNIT A&B 8.875 1,278.20 90
8.625 1,278.20 178,500.00
ROUND ROCK TX 78761 1 11/19/99 04
0411706211 03 01/01/00 25
0411706211 N 12/01/29
0
3041015 K08/G02 F 93,000.00 ZZ
360 92,949.20 2
144 WINTHROP STREET 9.000 748.30 75
8.750 748.30 124,000.00
NEW BRITAIN CT 06050 2 11/23/99 00
0411706245 05 01/01/00 0
0411706245 N 12/01/29
0
3041017 K08/G02 F 243,650.00 ZZ
360 243,509.81 1
39 W. 216 WEAVER LANE 8.750 1,916.80 90
8.500 1,916.80 270,770.00
GENEVA IL 60134 1 11/23/99 01
0411707383 05 01/01/00 25
0411707383 N 12/01/29
0
3041018 K08/G02 F 89,250.00 ZZ
360 89,201.25 2
271 GLEN STREET 9.000 718.13 75
8.750 718.13 119,000.00
NEW BRITAIN CT 06050 2 11/23/99 00
0411708464 05 01/01/00 0
0411708464 N 12/01/29
0
3041024 K08/G02 F 90,000.00 ZZ
360 89,949.54 1
1
5212 JOE SAYERS AVENUE 8.875 716.08 75
8.625 716.08 120,000.00
AUSTIN TX 78756 1 11/23/99 00
0411721319 05 01/01/00 0
0411721319 O 12/01/29
0
3041901 E86/G02 F 220,000.00 ZZ
360 219,879.83 1
480 OAKVIEW DRIVE 9.000 1,770.17 80
8.750 1,770.17 275,000.00
ORANGE CT 06477 1 11/19/99 00
0431651835 05 01/01/00 0
51048 O 12/01/29
0
3041955 K15/G02 F 109,250.00 ZZ
360 109,191.87 1
1452 POTOMAC HEIGHTS DRIVE 9.125 888.89 95
UNIT 147 8.875 888.89 115,000.00
FORT WASHINGTON MD 20744 2 11/05/99 01
0431659523 01 01/01/00 30
3002047 O 12/01/29
0
3042484 163/G02 F 109,150.00 ZZ
360 108,600.21 1
26 SUNNYBROOK LANE 7.750 781.96 83
7.500 781.96 131,900.00
LAKEWOOD TOWNSH NJ 08701 1 05/14/99 10
0431718535 09 07/01/99 20
0373413018 N 06/01/29
0
3042703 737/G02 F 114,100.00 T
360 114,027.24 1
4273 S PONY RIDER TRAIL 8.250 857.20 75
8.000 857.20 152,139.00
APACHE JUNCTION AZ 85219 1 11/12/99 00
0431660893 03 01/01/00 0
962819 O 12/01/29
0
3044076 K08/G02 F 219,900.00 ZZ
360 219,773.49 1
320 HUMMING BIRD LANE 8.750 1,729.95 95
8.500 1,729.95 231,504.00
LINDENHURST IL 60046 1 11/24/99 10
0411596497 05 01/01/00 30
1
0411596497 O 12/01/29
0
3044078 K08/G02 F 35,000.00 ZZ
360 34,982.78 1
6256 PENROD 9.500 294.30 56
9.250 294.30 63,000.00
DETROIT MI 48127 5 11/12/99 00
0411670698 05 01/01/00 0
0411670698 N 12/01/29
0
3044079 K08/G02 F 171,000.00 ZZ
360 170,909.00 1
1042 SOUTH DAVID STREET 9.125 1,391.31 90
8.875 1,391.31 190,000.00
CASPER WY 82601 1 11/24/99 04
0411676307 05 01/01/00 25
0411676307 O 12/01/29
0
3044080 K08/G02 F 85,500.00 ZZ
360 85,459.04 4
1601-1603 BANKS AV 9.625 726.74 90
9.375 726.74 95,000.00
SUPERIOR WI 54880 1 11/24/99 04
0411676372 05 01/01/00 25
0411676372 N 12/01/29
0
3044081 K08/G02 F 31,450.00 ZZ
360 31,434.94 4
4842 ROOSEVELT BOULEVARD 9.625 267.32 90
9.375 267.32 34,990.00
PHILADELPHIA PA 19124 1 11/24/99 10
0411680275 05 01/01/00 25
0411680275 N 12/01/29
0
3044084 K08/G02 F 168,000.00 ZZ
360 167,898.23 1
94 BLUE RIDGE DRIVE 8.500 1,291.77 80
8.250 1,291.77 210,000.00
VERNON CT 06066 1 11/24/99 00
0411686918 05 01/01/00 0
0411686918 O 12/01/29
0
1
3044085 K08/G02 F 130,000.00 ZZ
360 129,936.05 1
180-16 WEXFORD TERRACE UNIT 3B 9.500 1,093.12 95
9.250 1,093.12 137,000.00
JAMAICA NY 11432 1 11/12/99 04
0411688146 08 01/01/00 30
0411688146 O 12/01/29
0
3044086 K08/G02 F 84,000.00 ZZ
360 83,956.45 1
210 MINNESOTA WOODS LANE 9.250 691.05 80
9.000 691.05 105,000.00
ORLANDO FL 32824 5 11/24/99 00
0411689649 05 01/01/00 0
0411689649 N 12/01/29
0
3044087 K08/G02 F 46,700.00 ZZ
360 46,673.82 1
3850 WASHINGTON STREET UNIT110 8.875 371.57 90
8.625 371.57 51,900.00
HOLLYWOOD FL 33021 1 11/24/99 10
0411690118 06 01/01/00 25
0411690118 N 12/01/29
0
3044088 K08/G02 F 31,500.00 ZZ
360 31,467.34 1
1152 KAYE COURT 9.250 259.14 90
9.000 259.14 35,000.00
BURLINGTON NJ 08016 1 11/24/99 04
0411690514 01 01/01/00 25
0411690514 O 12/01/29
0
3044090 K08/G02 F 134,500.00 ZZ
360 134,414.24 1
2917 SOUTHEAST 142ND PLACE 8.250 1,010.45 83
8.000 1,010.45 163,000.00
PORTLAND OR 97236 2 11/17/99 04
0411693609 05 01/01/00 12
0411693609 O 12/01/29
0
3044097 K08/G02 F 136,800.00 ZZ
360 136,727.20 1
17380 HICKORY HILLS ROAD 9.125 1,113.05 90
8.875 1,113.05 152,000.00
1
STERLING IL 61081 1 11/24/99 10
0411697154 05 01/01/00 25
0411697154 N 12/01/29
0
3044104 K08/G02 F 195,100.00 ZZ
360 194,987.75 1
12479 SADDLE CLUB DRIVE 8.750 1,534.85 68
8.500 1,534.85 289,000.00
FORNEY TX 75126 4 11/24/99 00
0411701931 03 01/01/00 0
0411701931 O 12/01/29
0
3044106 K08/G02 F 237,000.00 ZZ
360 236,877.13 1
122 EAST 37TH STREET 9.250 1,949.74 65
9.000 1,949.74 365,000.00
SAVANNAH GA 31401 5 11/19/99 00
0411703440 05 01/01/00 0
0411703440 O 12/01/29
0
3044110 K08/G02 F 181,100.00 ZZ
360 180,990.29 1
1712 W DEVON 8.500 1,392.50 75
8.250 1,392.50 241,500.00
PARK RIDGE IL 60068 1 11/24/99 00
0411715774 05 01/01/00 0
0411715774 O 12/01/29
0
3044112 K08/G02 F 68,000.00 ZZ
360 67,961.88 1
280 SAWMILL ROAD 8.875 541.04 88
8.625 541.04 78,000.00
BRICK TOWNSHIP NJ 08753 1 11/24/99 10
0411719693 01 01/01/00 25
0411719693 O 12/01/29
0
3045356 K15/G02 F 115,000.00 ZZ
360 114,926.67 1
7606 KILLDEER WAY 8.250 863.96 73
8.000 863.96 158,590.00
ELK GROVE CA 95758 1 11/08/99 00
0431662329 05 01/01/00 0
3001386 O 12/01/29
0
1
3045857 P59/G02 F 34,200.00 ZZ
360 34,183.61 2
38844 & 38846 RAMBLER AVENUE 9.625 290.70 82
9.375 290.70 42,000.00
PALMDALE CA 93550 1 11/08/99 01
0431660265 05 01/01/00 25
99187398 N 12/01/29
0
3045995 K15/G02 F 131,800.00 ZZ
360 131,729.86 1
2984 SAVERS COURT 9.125 1,072.37 90
8.875 1,072.37 146,530.00
LAS VEGAS NV 89115 1 11/04/99 01
0431659549 05 01/01/00 25
3002421 N 12/01/29
0
3047043 E82/G02 F 80,000.00 ZZ
360 79,960.65 4
554 NORTH MAPLE AVENUE 9.500 672.68 58
9.250 672.68 140,100.00
EAST ORANGE NJ 07017 5 11/24/99 00
0400233706 05 01/01/00 0
0400233706 O 12/01/29
0
3049252 K15/G02 F 315,000.00 ZZ
360 314,827.94 4
1053-59 REGAL ROAD 9.000 2,534.56 75
8.750 2,534.56 420,000.00
ENCINITAS CA 92024 5 11/10/99 00
0431662097 03 01/01/00 0
3003476 O 12/01/29
0
3049382 601/G02 F 80,350.00 ZZ
360 80,266.36 1
1532 MONUMENT OAKS DR 9.250 661.02 82
9.000 661.02 98,000.00
JACKSONVILLE FL 32225 1 11/01/99 01
0431662956 05 12/01/99 12
60135134 O 11/01/29
0
3050888 286/286 F 228,800.00 ZZ
360 228,507.20 1
1
9425 E CALLE DE VALLE DR 8.250 1,718.90 80
8.000 1,718.90 286,000.00
SCOTTSDALE AZ 85255 1 10/26/99 00
0000642114 05 12/01/99 0
0000642114 O 11/01/29
0
3050913 286/286 F 153,950.00 ZZ
360 153,776.74 1
18 SPRUCE TRAIL 8.875 1,224.90 79
8.625 1,224.90 195,000.00
SWEDESBORO NJ 08085 1 11/01/99 00
0009452012 05 12/01/99 0
0009452012 O 11/01/29
0
3050940 286/286 F 236,000.00 ZZ
360 235,622.31 1
623 THURMAN 8.500 1,814.64 80
8.250 1,814.64 295,000.00
FORSYTH MO 65653 1 10/19/99 00
0009616260 05 12/01/99 0
0009616260 O 11/01/29
0
3051587 405/405 F 137,950.00 ZZ
360 137,504.04 1
27584 ONYX LANE 8.250 1,036.38 89
8.000 1,036.38 155,000.00
CASTAIC AREA CA 91384 1 07/15/99 19
11128717 03 09/01/99 25
11128717 O 08/01/29
0
3051596 405/405 F 166,000.00 ZZ
360 165,792.92 1
1714 LINDO STREET 8.375 1,261.72 90
8.125 1,261.72 184,500.00
BENICIA CA 94510 1 10/06/99 10
11324266 03 12/01/99 25
11324266 O 11/01/29
0
3051604 405/405 F 126,000.00 ZZ
360 125,769.35 1
1044 SW 42ND AVE 8.500 968.84 90
8.250 968.84 140,000.00
DEERFIELD BEACH FL 33442 1 09/09/99 10
16250219 03 11/01/99 25
1
16250219 O 10/01/29
0
3051608 405/405 F 80,000.00 ZZ
360 79,818.57 1
1212 FALCON TRAIL 8.875 636.52 80
8.625 636.52 100,000.00
BEDFORD TX 76021 1 08/26/99 00
16267957 05 10/01/99 0
16267957 O 09/01/29
0
3051614 405/405 F 110,000.00 ZZ
360 109,788.10 1
6540 MALBROOK COURT 8.250 826.40 54
8.000 826.40 206,000.00
MANASSAS VA 20112 5 09/30/99 00
16303984 05 11/01/99 0
16303984 O 10/01/29
0
3051620 405/405 F 197,780.00 ZZ
360 197,506.87 1
1261 SPAZIER AVE 7.875 1,434.05 90
7.625 1,434.05 220,000.00
GLENDALE CA 91201 1 10/22/99 10
16327991 05 12/01/99 25
16327991 O 11/01/29
0
3051624 405/405 F 118,400.00 ZZ
360 118,263.25 1
9669 LEWIS & CLARK BLVD 8.750 931.46 80
8.500 931.46 148,000.00
ST LOUIS MO 63136 2 10/29/99 00
16345050 05 12/01/99 0
16345050 O 11/01/29
0
3052315 966/G02 F 84,000.00 ZZ
360 83,956.45 1
8808 SWEETWATER DRIVE 9.250 691.05 80
9.000 691.05 105,000.00
DALLAS TX 75228 1 11/23/99 00
0431662725 05 01/01/00 0
30013926 O 12/01/29
0
1
3052826 H93/G02 F 140,000.00 ZZ
360 139,919.45 1
121 SAGEWOOD ROAD 8.750 1,101.38 80
8.500 1,101.38 175,000.00
JAMESTOWN NC 27282 1 11/15/99 00
0431664598 03 01/01/00 0
9971269 O 12/01/29
0
3053073 076/076 F 90,000.00 ZZ
360 89,887.72 1
635 BICENTENNAL TRL 8.375 684.07 69
8.125 684.07 131,000.00
ROCK SPRING GA 30739 2 10/11/99 00
0662174 05 12/01/99 0
0662174 O 11/01/29
0
3053074 076/076 F 60,000.00 ZZ
360 59,881.45 1
1012 N VAIL CIR 8.125 445.50 38
7.875 445.50 161,000.00
SIOUX FALLS SD 57110 1 09/24/99 00
0680938 05 11/01/99 0
0680938 O 10/01/29
0
3053075 076/076 F 75,200.00 ZZ
360 75,072.57 2
9-11 WASP RD 8.875 598.33 80
8.625 598.33 94,000.00
NORTH KINGSTOWN RI 02852 1 09/30/99 00
1102920 05 11/01/99 0
1102920 N 10/01/29
0
3053076 076/076 F 48,600.00 ZZ
360 48,546.70 1
10 BROADMOOR DR 9.000 391.05 90
8.750 391.05 54,000.00
LITTLE ROCK AR 72204 1 10/15/99 12
1995741 05 12/01/99 25
1995741 N 11/01/29
0
3053077 076/076 F 59,000.00 ZZ
360 58,931.87 2
506- 506 1/2 BEAMAN 8.750 464.15 74
8.500 464.15 80,000.00
1
BELLEVUE NE 68005 2 10/07/99 00
9478265 05 12/01/99 0
9478265 N 11/01/29
0
3053078 076/076 F 225,000.00 ZZ
360 224,746.77 1
186 N THIRD ST 8.875 1,790.21 73
8.625 1,790.21 310,000.00
BETHPAGE NY 11714 5 10/08/99 00
9489189 05 12/01/99 0
9489189 O 11/01/29
0
3053079 076/076 F 230,950.00 ZZ
360 230,369.76 1
1532 SESPERRY LN 8.375 1,755.39 80
8.125 1,755.39 288,720.00
NORTH CANTON OH 44720 1 08/25/99 00
9624813 05 10/01/99 0
9624813 O 09/01/29
0
3053080 076/076 F 62,962.00 ZZ
360 62,855.31 1
6136 DORIUS DR 8.875 500.96 75
8.625 500.96 83,950.00
RICHMOND VA 23234 1 09/30/99 00
9625859 05 11/01/99 0
9625859 N 10/01/29
0
3053082 076/076 F 36,000.00 ZZ
360 35,939.01 1
7003 WIRT ST 8.875 286.43 80
8.625 286.43 45,000.00
OMAHA NE 68104 1 09/20/99 00
9677110 05 11/01/99 0
9677110 N 10/01/29
0
3053083 076/076 F 105,750.00 ZZ
360 105,510.19 1
817S TRUMAN 8.875 841.40 75
8.625 841.40 141,000.00
AURORA MO 65605 5 08/17/99 00
9681233 05 10/01/99 0
9681233 O 09/01/29
0
1
3053084 076/076 F 77,600.00 ZZ
360 77,517.09 2
13-15 WASP RD 9.125 631.38 80
8.875 631.38 97,000.00
NORTH KINGSTOWN RI 02852 1 10/13/99 00
9968228 05 12/01/99 0
9968228 N 11/01/29
0
3053085 076/076 F 208,500.00 ZZ
360 208,259.21 1
1430 MARILYN CT 8.750 1,640.27 77
8.500 1,640.27 272,000.00
ROLLING MEADOWS IL 60008 1 10/13/99 00
9993061 05 12/01/99 0
9993061 O 11/01/29
0
3053086 076/076 F 180,000.00 ZZ
360 179,781.15 1
761 E SIXTH ST 8.500 1,384.04 80
8.250 1,384.04 225,000.00
SOUTH BOSTON MA 02127 1 10/21/99 00
7393602 01 12/01/99 0
7393602 O 11/01/29
0
3053087 076/076 F 76,900.00 ZZ
360 76,755.59 1
120 BURGESS AVE 8.375 584.50 70
8.125 584.50 109,900.00
PAWTUCKET RI 02861 1 09/20/99 00
7400686 05 11/01/99 0
7400686 O 10/01/29
0
3053088 076/076 F 73,350.00 ZZ
360 73,260.81 1
741-B HERITAGE VLG 8.500 564.00 90
8.250 564.00 81,500.00
SOUTHBURY CT 06488 1 10/15/99 14
7401230 01 12/01/99 25
7401230 N 11/01/29
0
3053090 076/076 F 175,000.00 ZZ
360 174,803.06 1
1
9943 ESSEX DR 8.875 1,392.38 64
8.625 1,392.38 274,990.00
OMAHA NE 68114 1 10/15/99 00
8975333 05 12/01/99 0
8975333 O 11/01/29
0
3053091 076/076 F 35,250.00 ZZ
360 35,211.35 1
18 E 18TH ST 9.000 283.63 75
8.750 283.63 47,000.00
CHESTER PA 19013 1 10/29/99 00
9048783 05 12/01/99 0
9048783 N 11/01/29
0
3053092 076/076 F 188,275.00 ZZ
360 188,068.55 1
817 S LOMBARD AVE 9.000 1,514.90 85
8.750 1,514.90 221,500.00
EVANSVILLE IN 47714 1 10/22/99 12
9048788 05 12/01/99 12
9048788 O 11/01/29
0
3053093 076/076 F 214,800.00 ZZ
360 214,525.12 1
350 FRANKLIN ST 8.250 1,613.72 80
8.000 1,613.72 268,500.00
DUXBURY MA 02332 1 10/29/99 00
9084568 05 12/01/99 0
9084568 O 11/01/29
0
3053095 076/076 F 156,000.00 ZZ
360 155,805.38 1
115 N QUAKER LN 8.375 1,185.72 80
8.125 1,185.72 195,000.00
WEST HARTFORD CT 06119 1 10/08/99 00
9311776 05 12/01/99 0
9311776 O 11/01/29
0
3053097 076/076 F 145,900.00 ZZ
360 145,727.10 1
21208 WHISPERING DR 8.625 1,134.80 80
8.375 1,134.80 182,400.00
LENEXA KS 66220 1 10/22/99 00
9450106 05 12/01/99 0
1
9450106 O 11/01/29
0
3053173 455/G02 F 234,400.00 ZZ
360 234,257.99 1
895 WILDE RUN COURT 8.500 1,802.34 80
8.250 1,802.34 293,000.00
ROSWELL GA 30075 1 11/29/99 00
0431678002 03 01/01/00 0
86769 O 12/01/29
0
3054156 K08/G02 F 176,800.00 ZZ
360 176,698.28 1
191 LAUREL AVENUE 8.750 1,390.89 80
8.500 1,390.89 221,000.00
LIVINGSTON NJ 07039 5 11/29/99 00
0411646847 05 01/01/00 0
0411646847 N 12/01/29
0
3054157 K08/G02 F 69,300.00 ZZ
360 69,227.79 2
13419 COLEEN 9.250 570.12 90
9.000 570.12 77,000.00
WARREN MI 48093 1 10/25/99 01
0411654312 05 12/01/99 25
0411654312 N 11/01/29
0
3054158 K08/G02 F 57,600.00 ZZ
360 57,539.66 1
19427 RUNYON 9.250 473.87 90
9.000 473.87 64,000.00
DETROIT MI 48234 1 10/19/99 01
0411654478 05 12/01/99 25
0411654478 N 11/01/29
0
3054159 K08/G02 F 121,500.00 ZZ
360 121,437.01 4
5143 INDIAN LAKES COURT 9.250 999.55 90
9.000 999.55 135,000.00
JACKSONVILLE FL 32210 1 11/29/99 04
0411655509 05 01/01/00 25
0411655509 N 12/01/29
0
1
3054160 K08/G02 F 139,200.00 ZZ
360 139,117.82 1
1676 BROMPTON 8.625 1,082.68 80
8.375 1,082.68 174,000.00
CRYSTAL LAKE IL 60014 1 11/29/99 00
0411659568 05 01/01/00 0
0411659568 O 12/01/29
0
3054164 K08/G02 F 174,400.00 ZZ
360 174,291.60 1
1430 N. WASHINGTON AVE. 8.375 1,325.57 80
UNIT # J 8.125 1,325.57 218,000.00
DALLAS TX 75204 1 11/29/99 00
0411664857 01 01/01/00 0
0411664857 O 12/01/29
0
3054183 K08/G02 F 126,000.00 ZZ
360 125,934.68 4
5808 BELMOOR DR 9.250 1,036.57 90
9.000 1,036.57 140,000.00
AUSTIN TX 78723 1 11/23/99 04
0411706617 05 01/01/00 25
0411706617 N 12/01/29
0
3054185 K08/G02 F 104,400.00 ZZ
360 104,351.29 2
7817 SOUTH CONSTANCE AVENUE 9.750 896.96 90
9.500 896.96 116,000.00
CHICAGO IL 60649 1 11/29/99 04
0411706872 05 01/01/00 25
0411706872 N 12/01/29
0
3054186 K08/G02 F 174,400.00 ZZ
360 174,297.03 1
712 SHERWOOD FOREST LANE 8.625 1,356.47 80
UNIT # 712 8.375 1,356.47 218,000.00
SAUGUS MA 02180 5 11/23/99 00
0411707367 01 01/01/00 0
0411707367 O 12/01/29
0
3054191 K08/G02 F 89,200.00 ZZ
360 89,145.96 1
478 SOUTH HILLS COURT 8.500 685.87 80
8.250 685.87 111,500.00
1
WESTMINSTER MD 21158 1 11/29/99 00
0411716012 09 01/01/00 0
0411716012 O 12/01/29
0
3054193 K08/G02 F 74,800.00 ZZ
360 74,761.22 4
413 MICHIGAN 9.250 615.36 80
9.000 615.36 93,500.00
BIG RAPIDS MI 49307 1 11/29/99 00
0411718877 05 01/01/00 0
0411718877 N 12/01/29
0
3054194 K08/G02 F 126,000.00 ZZ
360 125,932.95 4
6500 SOUTH FIRST STREET 9.125 1,025.18 90
8.875 1,025.18 140,000.00
AUSTIN TX 78745 1 11/29/99 04
0411719073 05 01/01/00 25
0411719073 N 12/01/29
0
3054195 K08/G02 F 126,000.00 ZZ
360 125,932.95 4
6422 SOUTH FIRST STREET 9.125 1,025.18 90
8.875 1,025.18 140,000.00
AUSTIN TX 78745 1 11/29/99 04
0411719438 05 01/01/00 25
0411719438 N 12/01/29
0
3054198 K08/G02 F 69,300.00 ZZ
360 69,261.15 1
6530 W DOBSON SQ 8.875 551.38 90
8.625 551.38 77,000.00
COLUMBUS OH 43229 1 11/29/99 04
0411726334 05 01/01/00 25
0411726334 N 12/01/29
0
3056173 074/074 F 226,600.00 ZZ
360 226,251.18 3
505/7/9 AVENT FERRY RD 9.000 1,823.27 79
8.750 1,823.27 290,000.00
HOLLY SPRINGS NC 27540 2 10/19/99 00
1841128705 05 12/01/99 0
1841128705 N 11/01/29
0
1
3056175 074/074 F 101,700.00 ZZ
360 101,588.48 3
316 AUBURN STREET 9.000 818.30 90
8.750 818.30 113,000.00
MANCHESTER NH 03103 1 10/29/99 04
1815074686 05 12/01/99 25
1815074686 N 11/01/29
0
3056180 074/074 F 34,200.00 ZZ
360 34,162.20 1
107 ATHLONE DRIVE 9.000 275.18 90
8.750 275.18 38,000.00
CASEYVILLE IL 62232 1 11/03/99 04
1632056520 05 12/01/99 25
1632056520 N 11/01/29
0
3056181 074/074 F 43,650.00 ZZ
360 43,604.56 1
2325 GRAND 9.250 359.10 90
9.000 359.10 48,500.00
GRANITE CITY IL 62040 1 10/28/99 01
1632055833 05 12/01/99 25
1632055833 N 11/01/29
0
3056187 074/074 F 155,000.00 ZZ
360 154,806.63 1
1777 ALA MOANA BLVD 9 8.375 1,178.12 73
8.125 1,178.12 215,000.00
HONOLULU HI 96815 1 10/27/99 00
1596138134 06 12/01/99 0
1596138134 N 11/01/29
0
3056191 074/074 F 102,000.00 ZZ
360 101,882.19 2
506-508PARK STREET 8.750 802.44 85
8.500 802.44 120,000.00
MOOSIC PA 18507 5 10/12/99 14
1587261242 05 12/01/99 12
1587261242 O 11/01/29
0
3056195 074/074 F 73,100.00 ZZ
360 73,019.84 4
1
2838 MISSOURI AVENUE 9.000 588.18 90
8.750 588.18 81,250.00
SAINT LOUIS MO 63118 1 11/05/99 11
1583250732 05 12/01/99 25
1583250732 N 11/01/29
0
3056197 074/074 F 65,700.00 ZZ
360 65,594.30 4
734 OSAGE STREET 9.125 534.56 90
8.875 534.56 73,000.00
LEAVENWORTH KS 66048 1 10/06/99 14
1583249471 05 11/01/99 25
1583249471 N 10/01/29
0
3056200 074/074 F 27,000.00 ZZ
360 26,986.71 2
4641 SANSOM STREET 9.500 227.04 90
9.250 227.04 30,000.00
PHILADELPHIA PA 19139 1 11/08/99 11
1581358807 05 01/01/00 25
1581358807 N 12/01/29
0
3056201 074/074 F 125,250.00 ZZ
360 125,119.62 1
6406 EDGERTON ROAD 9.250 1,030.41 75
9.000 1,030.41 167,000.00
NORTH ROYALTON OH 44133 5 10/25/99 00
1581357633 05 12/01/99 0
1581357633 O 11/01/29
0
3056202 074/074 F 67,950.00 ZZ
360 67,829.75 1
1309 JESTER COURT UNIT 9.375 565.18 90
9.125 565.18 75,500.00
BRUNSWICK OH 44212 1 10/20/99 01
1581355795 01 12/01/99 25
1581355795 N 11/01/29
0
3056203 074/074 F 147,500.00 ZZ
360 147,338.26 3
149 INTERVALE STREET 9.000 1,186.82 90
8.750 1,186.82 164,000.00
DORCHESTER MA 02121 1 10/29/99 14
1580178210 05 12/01/99 25
1
1580178210 N 11/01/29
0
3056204 074/074 F 76,500.00 ZZ
360 76,413.90 3
128 CLAY STREET 8.875 608.67 90
8.625 608.67 85,000.00
PAWTUCKET RI 02861 1 10/26/99 11
1580177465 05 12/01/99 25
1580177465 N 11/01/29
0
3056206 074/074 F 144,000.00 ZZ
360 143,753.21 4
72 HAWLEY STREET 9.375 1,197.72 90
9.125 1,197.72 160,000.00
LAWRENCE MA 01843 1 10/29/99 14
1580176688 05 12/01/99 25
1580176688 N 11/01/29
0
3056208 074/074 F 116,500.00 ZZ
360 116,361.93 3
28 ELM STREET 8.625 906.13 84
8.375 906.13 140,000.00
EAST HARTFORD CT 06108 2 10/15/99 11
1580174886 05 12/01/99 12
1580174886 O 11/01/29
0
3056209 074/074 F 300,000.00 ZZ
360 299,687.74 3
429 MEDFORD STREET 9.250 2,468.03 89
9.000 2,468.03 340,000.00
SOMERVILLE MA 02143 1 10/27/99 04
1580174795 05 12/01/99 25
1580174795 N 11/01/29
0
3056212 074/074 F 60,200.00 ZZ
360 60,137.34 1
13229 N 20TH AVENUE 9.250 495.25 90
9.000 495.25 66,900.00
PHOENIX AZ 85029 1 10/25/99 21
1569258100 05 12/01/99 25
1569258100 N 11/01/29
0
1
3056217 074/074 F 54,000.00 ZZ
360 53,939.22 1
1748 ELLEN STREET 8.875 429.65 90
8.625 429.65 60,000.00
ATLANTA GA 30318 1 10/21/99 14
1566189216 05 12/01/99 25
1566189216 N 11/01/29
0
3056225 074/074 F 76,500.00 ZZ
360 76,460.34 1
5808 COMMUNITY DRIVE 9.250 629.35 90
9.000 629.35 85,000.00
HOUSTON TX 77005 1 11/03/99 12
1539042168 05 01/01/00 25
1539042168 N 12/01/29
0
3056226 074/074 F 79,200.00 ZZ
360 79,108.53 4
11342 S WALKER COURT 8.750 623.07 90
8.500 623.07 88,000.00
BATON ROUGE LA 70815 1 10/22/99 12
1539039323 05 12/01/99 25
1539039323 N 11/01/29
0
3056228 074/074 F 128,000.00 ZZ
360 127,859.64 4
8603 FIRESIDE DRIVE 9.000 1,029.92 80
8.750 1,029.92 160,000.00
AUSTIN TX 78757 1 10/18/99 00
1512842163 05 12/01/99 0
1512842163 N 11/01/29
0
3056230 074/074 F 147,250.00 ZZ
360 147,088.53 3
4469 MUNDY LANE 9.000 1,184.81 95
8.750 1,184.81 155,000.00
BRONX NY 10466 1 10/07/99 01
1503614259 05 12/01/99 30
1503614259 O 11/01/29
0
3056233 074/074 F 51,200.00 ZZ
360 51,143.85 4
11302 E WINNER ROAD 9.000 411.97 80
8.750 411.97 64,000.00
1
INDEPENDENCE MO 64052 1 10/29/99 00
1456025902 05 12/01/99 0
1456025902 N 11/01/29
0
3056235 074/074 F 38,700.00 ZZ
360 38,677.74 1
3500 HARRISON STREET UNIT 15 8.750 304.45 90
8.500 304.45 43,000.00
HOLLYWOOD FL 33021 1 11/08/99 14
1311361155 01 01/01/00 25
1311361155 N 12/01/29
0
3056236 074/074 F 121,500.00 ZZ
360 121,376.80 1
3929 NE 167 STREET UN 9.375 1,010.58 90
9.125 1,010.58 135,000.00
NORTH MIAMI BEA FL 33160 1 10/27/99 01
1311359969 01 12/01/99 25
1311359969 N 11/01/29
0
3056238 074/074 F 139,500.00 ZZ
360 139,347.03 4
4130 NW 31 TERRACE 9.000 1,122.45 90
8.750 1,122.45 155,000.00
LAUDERDALE LAKE FL 33309 1 10/21/99 04
1302050744 05 12/01/99 25
1302050744 N 11/01/29
0
3056239 074/074 F 130,500.00 ZZ
360 130,364.18 4
5825 NW 22 COURT 9.250 1,073.59 90
9.000 1,073.59 145,000.00
LAUDERHILL FL 33313 1 10/08/99 01
1302050380 05 12/01/99 25
1302050380 N 11/01/29
0
3056241 074/074 F 92,700.00 ZZ
360 92,598.34 4
11016 N 16TH AVENUE 9.000 745.89 90
8.750 745.89 103,000.00
PHOENIX AZ 85029 1 10/28/99 14
1203044632 05 12/01/99 25
1203044632 N 11/01/29
0
1
3056242 074/074 F 92,700.00 ZZ
360 92,598.34 4
11022 N 16TH AVENUE 9.000 745.89 90
8.750 745.89 103,000.00
PHOENIX AZ 85029 1 10/28/99 14
1203036204 05 12/01/99 25
1203036204 N 11/01/29
0
3056243 074/074 F 105,300.00 ZZ
360 104,658.39 3
2738 KUTZTOWN ROAD 8.125 781.85 90
7.875 781.85 117,000.00
READING PA 19605 1 10/29/99 01
1175088176 05 12/01/99 25
1175088176 O 11/01/29
0
3056244 074/074 F 75,600.00 ZZ
360 75,413.84 4
344 MAIN STREET 8.500 581.30 90
8.250 581.30 84,000.00
SLATINGTON PA 18080 1 10/14/99 01
1172192681 05 12/01/99 25
1172192681 N 11/01/29
0
3056245 074/074 F 144,800.00 ZZ
360 144,632.78 1
212 WALNUT AVENUE 8.750 1,139.14 80
8.500 1,139.14 181,000.00
GREENSBURG PA 15601 1 10/15/99 00
1171204162 05 12/01/99 0
1171204162 O 11/01/29
0
3056246 074/074 F 213,750.00 ZZ
360 213,538.89 3
1007 WOODYCREST AVENUE 9.500 1,797.33 95
9.250 1,797.33 225,000.00
BRONX NY 10452 1 10/29/99 11
1111336846 05 12/01/99 30
1111336846 O 11/01/29
0
3056249 074/074 F 114,950.00 ZZ
360 114,813.78 3
1
14 1/2 ELM STREET 8.625 894.07 95
8.375 894.07 121,000.00
WARWICK NY 10990 1 10/18/99 11
1111322310 05 12/01/99 30
1111322310 O 11/01/29
0
3056250 074/074 F 183,200.00 ZZ
360 182,431.00 3
45 ARGYLE STREET 7.875 1,328.33 95
7.625 1,328.33 192,861.00
ROCHESTER NY 14607 1 06/18/99 11
1111309560 05 08/01/99 30
1111309560 O 07/01/29
0
3056252 074/074 F 189,000.00 ZZ
360 188,882.52 3
15 BRIGHTON 10TH 8.375 1,436.54 90
8.125 1,436.54 210,000.00
BROOKLYN NY 11235 1 11/03/99 14
1106279460 05 01/01/00 25
1106279460 O 12/01/29
0
3056253 074/074 F 139,500.00 ZZ
360 139,321.47 3
635 MAIN STREET 8.250 1,048.02 90
8.000 1,048.02 155,000.00
GREENPORT NY 11944 1 10/18/99 04
1106279357 05 12/01/99 25
1106279357 N 11/01/29
0
3057137 K08/G02 F 142,500.00 T
360 142,368.75 1
286 LAKESHORE DRIVE 9.000 1,146.59 75
8.750 1,146.59 190,000.00
SUNRISE BEACH TX 78643 5 11/24/99 00
0411607849 05 01/01/00 0
0411607849 O 12/01/29
0
3057138 K08/G02 F 180,000.00 ZZ
360 179,888.12 1
200 SW 27 ROAD 8.375 1,368.13 80
8.125 1,368.13 225,000.00
MIAMI FL 33129 1 11/30/99 00
0411653082 05 01/01/00 0
1
0411653082 O 12/01/29
0
3057139 K08/G02 F 52,200.00 ZZ
360 52,167.55 2
2118 E THIRD ST 8.375 396.76 90
8.125 396.76 58,000.00
DAYTON OH 45403 1 11/30/99 04
0411656325 05 01/01/00 25
0411656325 N 12/01/29
0
3057140 K08/G02 F 124,000.00 ZZ
360 123,920.93 1
4065 EAST CAREY AVENUE 8.250 931.57 80
8.000 931.57 155,000.00
LAS VEGAS NV 89115 1 11/23/99 00
0411663768 05 01/01/00 0
0411663768 O 12/01/29
0
3057143 K08/G02 F 118,750.00 ZZ
360 118,685.14 1
133 MANGANO CIRCLE 9.000 955.49 95
8.750 955.49 125,000.00
ENCINITAS CA 92024 1 11/22/99 04
0411670391 01 01/01/00 30
0411670391 O 12/01/29
0
3057147 K08/G02 F 128,000.00 ZZ
360 127,863.23 1
317 MAIN STREET 9.125 1,041.46 73
8.875 1,041.46 177,000.00
OLEY PA 19547 5 10/27/99 00
0411679723 05 12/01/99 0
0411679723 O 11/01/29
0
3057149 K08/G02 F 162,750.00 ZZ
360 162,656.37 2
3813-15 HUDSON STREET 8.750 1,280.35 75
8.500 1,280.35 217,000.00
METAIRIE LA 70006 1 11/30/99 00
0411692155 05 01/01/00 0
0411692155 N 12/01/29
0
1
3057150 K08/G02 F 67,500.00 ZZ
360 67,467.67 1
1951 E THIRD 9.625 573.74 90
9.375 573.74 75,000.00
JOLIET IL 60433 1 11/30/99 10
0411692304 05 01/01/00 25
0411692304 N 12/01/29
0
3057154 K08/G02 F 56,350.00 ZZ
360 56,320.78 1
8950 LAWLOR STREET 9.250 463.58 65
9.000 463.58 86,700.00
OAKLAND CA 94605 5 11/23/99 00
0411694672 05 01/01/00 0
0411694672 N 12/01/29
0
3057156 K08/G02 F 82,800.00 ZZ
360 82,759.27 2
10950 ROSEMARY DRIVE 9.500 696.23 90
9.250 696.23 92,000.00
BONITA SPRINGS FL 34135 1 11/30/99 10
0411697477 05 01/01/00 25
0411697477 N 12/01/29
0
3057157 K08/G02 F 81,900.00 ZZ
360 81,859.72 2
26531 SHERWOOD LANE 9.500 688.66 90
9.250 688.66 91,000.00
BONITA SPRINGS FL 34135 1 11/30/99 01
0411697600 05 01/01/00 25
0411697600 N 12/01/29
0
3057158 K08/G02 F 82,800.00 ZZ
360 82,759.27 2
26530 STREETSBORO LN 9.500 696.23 90
9.250 696.23 92,000.00
BONITA SPRINGS FL 34135 1 11/30/99 14
0411697709 05 01/01/00 25
0411697709 N 12/01/29
0
3057160 K08/G02 F 93,150.00 ZZ
360 93,090.61 1
2841 COOL WATER DRIVE 8.250 699.80 90
8.000 699.80 103,500.00
1
HENDERSON NV 89014 1 11/18/99 04
0411700099 09 01/01/00 25
0411700099 N 12/01/29
0
3057165 K08/G02 F 71,600.00 ZZ
360 71,556.63 1
161 SW STARFISH LANE 8.500 550.54 80
8.250 550.54 89,500.00
PORT ST. LUCIE FL 34984 1 11/30/99 00
0411701139 05 01/01/00 0
0411701139 O 12/01/29
0
3057166 K08/G02 F 175,000.00 ZZ
360 174,899.31 1
24507 WISTARIA 8.750 1,376.73 84
8.500 1,376.73 210,000.00
FARMINGTON HILL MI 48336 5 11/24/99 04
0411701535 05 01/01/00 12
0411701535 O 12/01/29
0
3057169 K08/G02 F 123,400.00 ZZ
360 123,321.32 1
704 SE VISTA DRIVE 8.250 927.06 95
8.000 927.06 129,900.00
LEE' S SUMMIT MO 64063 1 11/30/99 10
0411704661 05 01/01/00 30
0411704661 O 12/01/29
0
3057172 K08/G02 F 108,000.00 ZZ
360 107,936.24 1
6459 ALKIRE ROAD 8.625 840.01 90
8.375 840.01 120,000.00
GALLOWAY OH 43119 1 11/30/99 04
0411707052 05 01/01/00 25
0411707052 O 12/01/29
0
3057173 K08/G02 F 87,200.00 ZZ
360 87,147.18 1
1263 MATILDA ST. 8.500 670.49 80
8.250 670.49 109,000.00
ST. PAUL MN 55117 5 11/24/99 00
0411707987 05 01/01/00 0
0411707987 O 12/01/29
0
1
3057179 K08/G02 F 69,600.00 ZZ
360 69,561.98 1
4217 IOLA AVENUE 9.000 560.02 80
8.750 560.02 87,000.00
THE COLONY TX 75056 5 11/24/99 00
0411711377 05 01/01/00 0
0411711377 O 12/01/29
0
3057182 K08/G02 F 40,250.00 ZZ
360 40,227.43 1
2007 CORAL RIDGE DRIVE UNIT#S1 8.875 320.25 70
8.625 320.25 57,500.00
CORAL SPRINGS FL 33071 1 11/30/99 00
0411712946 01 01/01/00 0
0411712946 N 12/01/29
0
3057183 K08/G02 F 37,350.00 ZZ
360 37,331.63 1
254 S RICHARDSON AV 9.500 314.06 90
9.250 314.06 41,500.00
COLUMBUS OH 43204 1 11/30/99 04
0411713514 05 01/01/00 25
0411713514 N 12/01/29
0
3057184 K08/G02 F 69,600.00 ZZ
360 69,560.98 1
468 MATTERHORN STREET 8.875 553.77 80
8.625 553.77 87,000.00
CEDAR HILL TX 75104 5 11/24/99 00
0411713837 05 01/01/00 0
0411713837 O 12/01/29
0
3057185 K08/G02 F 64,000.00 ZZ
360 63,965.04 1
2822 SOUTH HUDSON PLACE 9.000 514.96 80
8.750 514.96 80,000.00
TULSA OK 74114 5 11/30/99 00
0411716251 05 01/01/00 0
0411716251 N 12/01/29
0
3057187 K08/G02 F 43,200.00 ZZ
360 43,179.85 1
1
7507 KIMBERLY BLVD. 9.750 371.15 90
UNIT #130 9.500 371.15 48,000.00
NORTH LAUDERDAL FL 33068 5 11/24/99 10
0411719867 01 01/01/00 25
0411719867 O 12/01/29
0
3057188 K08/G02 F 94,400.00 ZZ
360 94,352.33 1
606 WARDELL STREET 9.375 785.17 80
9.125 785.17 118,000.00
LONG BRANCH NJ 07740 5 11/24/99 00
0411720253 05 01/01/00 0
0411720253 O 12/01/29
0
3057190 K08/G02 F 120,000.00 ZZ
360 119,923.48 1
1805 MORSE STREET 8.250 901.52 64
8.000 901.52 189,000.00
HOUSTON TX 77019 5 11/24/99 00
0411721061 05 01/01/00 0
0411721061 O 12/01/29
0
3057192 K08/G02 F 123,750.00 ZZ
360 123,678.80 1
1010 TERRANOVA LANE 8.750 973.54 75
8.500 973.54 165,000.00
HOUSTON TX 77090 5 11/24/99 00
0411722895 03 01/01/00 0
0411722895 O 12/01/29
0
3057196 K08/G02 F 32,500.00 ZZ
360 32,483.15 1
2809 LINEVILLE DRIVE BLDG M UN 9.250 267.37 65
9.000 267.37 50,000.00
FARMERS BRANCH TX 75234 5 11/30/99 00
0411726144 01 01/01/00 0
0411726144 N 12/01/29
0
3057199 K08/G02 F 126,000.00 ZZ
360 125,931.18 4
6418 SOUTH FIRST STREET 9.000 1,013.82 90
#101-104 8.750 1,013.82 140,000.00
AUSTIN TX 78745 1 11/30/99 04
0411728751 05 01/01/00 25
1
0411728751 N 12/01/29
0
3057200 K08/G02 F 175,600.00 ZZ
360 175,490.85 1
2701 PINE CREEK COURT 8.375 1,334.69 80
8.125 1,334.69 219,500.00
BEDFORD TX 76021 1 11/30/99 00
0411730807 03 01/01/00 0
0411730807 O 12/01/29
0
3058514 163/G02 F 239,900.00 ZZ
360 239,650.30 1
259 WALNUT ROAD 9.250 1,973.60 75
9.000 1,973.60 320,000.00
GLENCOVE NY 11542 1 10/26/99 00
0431685072 05 12/01/99 0
1000184923 O 11/01/29
0
3058778 253/253 F 103,400.00 ZZ
360 103,340.51 1
933 E KIEFER AVE 8.750 813.45 90
8.500 813.45 114,900.00
FRUITA CO 81521 1 11/19/99 01
946035 05 01/01/00 30
946035 O 12/01/29
0
3058868 S27/G02 F 66,300.00 ZZ
360 66,227.31 1
41 HANCOCK LANE 9.000 533.46 85
8.750 533.46 78,000.00
WILLINGBORO NJ 08046 1 10/29/99 10
0431664143 05 12/01/99 25
1020000470 O 11/01/29
0
3061293 K08/G02 F 35,100.00 ZZ
360 35,082.28 2
514 6TH STREET 9.375 291.94 90
9.125 291.94 39,000.00
GREEN BAY WI 54304 1 12/01/99 10
0411677552 05 01/01/00 25
0411677552 N 12/01/29
0
1
3061296 K08/G02 F 36,000.00 ZZ
360 35,983.20 1
1601 N.W. 44TH STREET 9.750 309.30 80
9.500 309.30 45,000.00
OKLAHOMA CITY OK 73118 5 12/01/99 00
0411703614 05 01/01/00 0
0411703614 N 12/01/29
0
3061297 K08/G02 F 28,000.00 ZZ
360 27,986.94 1
4515 N BLACKWELDER 9.750 240.56 80
9.500 240.56 35,000.00
OKLAHOMA CITY OK 73118 5 12/01/99 00
0411703770 05 01/01/00 0
0411703770 N 12/01/29
0
3061298 K08/G02 F 79,200.00 ZZ
360 79,149.50 1
6350 PAYNE ROAD 8.250 595.00 80
8.000 595.00 99,000.00
KEYSTONE HEIGHT FL 32656 1 12/01/99 00
0411704448 05 01/01/00 0
0411704448 O 12/01/29
0
3061299 K08/G02 F 239,950.00 ZZ
360 239,818.94 1
10800 WAGON ROAD WEST 9.000 1,930.69 80
8.750 1,930.69 300,000.00
AUSTIN TX 78736 1 12/01/99 00
0411704786 05 01/01/00 0
0411704786 O 12/01/29
0
3061300 K08/G02 F 165,000.00 ZZ
360 165,000.00 2
6013 AND 6015 RICHMOND AVENUE 8.875 1,312.81 76
8.625 1,312.81 218,000.00
DALLAS TX 75206 2 12/01/99 00
0411706526 05 02/01/00 0
0411706526 N 01/01/30
0
3061302 K08/G02 F 58,800.00 ZZ
360 58,764.38 1
302 E. CELESTE DRIVE 8.500 452.12 90
8.250 452.12 65,360.00
1
GARLAND TX 75041 1 11/30/99 04
0411712391 05 01/01/00 30
0411712391 N 12/01/29
0
3061306 K08/G02 F 97,350.00 ZZ
360 97,293.99 1
201 MISTLETOE DRIVE 8.750 765.85 80
8.500 765.85 121,700.00
RICHARDSON TX 75081 1 12/01/99 00
0411717754 05 01/01/00 0
0411717754 O 12/01/29
0
3061307 K08/G02 F 56,700.00 ZZ
360 56,670.60 1
806 W 24TH STREET UNIT 22 9.250 466.46 70
9.000 466.46 81,000.00
AUSTIN TX 78705 5 11/29/99 00
0411722911 01 01/01/00 0
0411722911 N 12/01/29
0
3061309 K08/G02 F 153,000.00 ZZ
360 152,914.22 1
96 WRENTHAM STREET 8.875 1,217.34 90
8.625 1,217.34 170,000.00
DORCHESTER MA 02124 1 12/01/99 04
0411728298 05 01/01/00 25
0411728298 O 12/01/29
0
3062158 664/G02 F 178,550.00 ZZ
360 178,444.58 1
8009 ELLSWORTH AVENUE 8.625 1,388.75 80
8.375 1,388.75 224,000.00
DENVER CO 80230 1 11/23/99 00
0431677897 05 01/01/00 0
0003249471 O 12/01/29
0
3062267 623/623 F 100,000.00 ZZ
360 99,878.41 1
2757 FENNER ROAD 8.500 768.91 70
8.250 768.91 144,000.00
MUSKEGON MI 49445 2 10/18/99 00
1231707 05 12/01/99 0
1231707 O 11/01/29
0
1
3062268 623/623 F 100,000.00 ZZ
360 98,569.15 1
5156 SILVER LAKE SHORES ROAD 9.000 804.62 47
8.750 804.62 215,000.00
TRAVERSE CITY MI 49684 5 10/22/99 00
1374731 05 12/01/99 0
1374731 O 11/01/29
0
3062269 623/623 F 61,200.00 ZZ
360 61,084.29 2
742 BUTTERWORTH SW 9.500 514.60 90
9.250 514.60 68,000.00
GRAND RAPIDS MI 49509 1 09/21/99 10
1375550 07 11/01/99 25
1375550 O 10/01/29
0
3062270 623/623 F 79,500.00 ZZ
360 79,412.83 1
23160 CHURCH 9.000 639.67 75
8.750 639.67 106,000.00
OAK PARK MI 48237 5 10/29/99 00
1375853 05 12/01/99 0
1375853 N 11/01/29
0
3062271 623/623 F 84,000.00 ZZ
360 83,907.90 1
13930 PEARSON 9.000 675.88 75
8.750 675.88 112,000.00
OAK PARK MI 48237 5 10/29/99 00
1375854 05 12/01/99 0
1375854 N 11/01/29
0
3062273 623/623 F 32,400.00 ZZ
360 32,384.47 1
2522 LESLIE 9.625 275.40 90
9.375 275.40 36,000.00
DETROIT MI 48235 1 11/05/99 11
1376045 05 01/01/00 25
1376045 N 12/01/29
0
3062274 623/623 F 83,900.00 ZZ
360 83,849.17 1
1
2511 WEST MILHAM ROAD 8.500 645.12 80
8.250 645.12 104,900.00
PORTAGE MI 49002 1 11/03/99 00
1376048 05 01/01/00 0
1376048 O 12/01/29
0
3062276 623/623 F 65,650.00 ZZ
360 65,585.16 1
2821 COURTLANDT 9.500 552.02 65
9.250 552.02 101,000.00
KALAMAZOO MI 49004 5 10/11/99 00
1376338 05 12/01/99 0
1376338 O 11/01/29
0
3062277 623/623 F 158,200.00 ZZ
360 158,021.96 1
6845 NORTH 35TH STREET 8.875 1,258.71 57
8.625 1,258.71 280,000.00
RICHLAND MI 49083 5 10/20/99 00
1376339 05 12/01/99 0
1376339 O 11/01/29
0
3062279 623/623 F 69,600.00 ZZ
360 69,523.67 1
1801 HENRY STREET 9.000 560.02 80
8.750 560.02 87,000.00
OWOSSO MI 48867 1 10/18/99 00
1376618 05 12/01/99 0
1376618 O 11/01/29
0
3062280 623/623 F 38,000.00 ZZ
360 37,956.10 1
10676 WEST M 72 HIGHWAY 8.750 298.95 67
8.500 298.95 57,300.00
TRAVERSE CITY MI 49684 5 10/25/99 00
1376629 05 12/01/99 0
1376629 N 11/01/29
0
3062281 623/623 F 153,750.00 ZZ
360 153,571.09 1
4325 MAR MOOR DRIVE 8.750 1,209.55 75
8.500 1,209.55 205,000.00
LANSING MI 48917 1 11/01/99 00
1376642 05 01/01/00 0
1
1376642 O 12/01/29
0
3062282 623/623 F 63,000.00 ZZ
360 62,936.13 3
4306 S WOOD 9.375 524.00 90
9.125 524.00 70,000.00
CHICAGO IL 60606 1 11/03/99 11
1376665 07 12/01/99 25
1376665 N 11/01/29
0
3062283 623/623 F 75,000.00 ZZ
360 74,863.02 1
12441 PAGELS DRIVE 8.750 590.03 56
8.500 590.03 134,000.00
GRAND BLANC MI 48439 1 11/01/99 00
1376703 01 12/01/99 0
1376703 O 11/01/29
0
3062285 623/623 F 108,000.00 ZZ
360 107,945.46 1
7111 WEST N AVENUE 9.375 898.29 80
9.125 898.29 135,000.00
KALAMAZOO MI 49009 1 11/12/99 00
1377280 05 01/01/00 0
1377280 O 12/01/29
0
3062286 623/623 F 86,100.00 ZZ
360 86,005.59 1
385 68TH STREET 9.000 692.78 79
8.750 692.78 109,000.00
SOUTH HAVEN MI 49090 1 10/27/99 00
1384499 05 12/01/99 0
1384499 O 11/01/29
0
3062287 623/623 F 180,000.00 ZZ
360 179,792.12 1
765 BIRCHWOOD ROAD 8.750 1,416.06 77
8.500 1,416.06 235,000.00
FRANKFORT IL 60423 1 10/28/99 00
1385372 05 12/01/99 0
1385372 O 11/01/29
0
1
3062289 623/623 F 22,200.00 ZZ
360 22,189.92 1
827 OAK STREET 9.875 192.77 74
9.625 192.77 30,000.00
MUSKEGON MI 49442 5 10/28/99 00
5220146 05 01/01/00 0
5220146 O 12/01/29
0
3062290 623/623 F 198,000.00 ZZ
360 197,880.05 1
15551 144TH AVENUE 8.500 1,522.45 71
8.250 1,522.45 280,000.00
SPRING LAKE MI 49456 2 11/05/99 00
5220753 05 01/01/00 0
5220753 O 12/01/29
0
3062291 623/623 F 52,000.00 ZZ
360 51,938.38 1
1288 PALMER 8.625 404.45 80
8.375 404.45 65,000.00
MUSKEGON MI 49441 1 10/22/99 00
5220958 05 12/01/99 0
5220958 O 11/01/29
0
3062395 664/G02 F 157,000.00 ZZ
360 156,899.89 1
19 NE FARGO ST 8.250 1,179.49 76
8.000 1,179.49 207,000.00
PORTLAND OR 97212 5 11/17/99 00
0431677947 05 01/01/00 0
0003234879 O 12/01/29
0
3065169 K08/G02 F 112,500.00 ZZ
360 112,440.13 1
62 NW 109 STREET 9.125 915.34 90
8.875 915.34 125,000.00
MIAMI SHORES FL 33168 1 12/02/99 01
0411693856 05 01/01/00 25
0411693856 O 12/01/29
0
3065171 K08/G02 F 130,500.00 ZZ
360 130,426.84 2
28441 - 3 ANCHOR DR 8.875 1,038.32 75
8.625 1,038.32 174,000.00
1
CHESTERFIELD TW MI 48047 1 11/30/99 00
0411704133 05 01/01/00 0
0411704133 N 12/01/29
0
3065172 K08/G02 F 153,450.00 ZZ
360 153,354.62 1
19622 WOODWALK LANE 8.375 1,166.33 80
8.125 1,166.33 191,815.00
HUMBLE TX 77346 1 12/02/99 00
0411705817 03 01/01/00 0
0411705817 O 12/01/29
0
3065174 K08/G02 F 103,500.00 T
360 103,435.67 1
403 SOUTH PINE STREET 8.375 786.67 75
8.125 786.67 138,000.00
NEVADA CITY CA 95959 1 11/17/99 00
0411711534 05 01/01/00 0
0411711534 O 12/01/29
0
3065180 K08/G02 F 198,850.00 ZZ
360 198,741.39 1
3801 ROCK TRAIL 9.000 1,599.99 80
8.750 1,599.99 248,567.00
PLANO TX 75074 1 12/02/99 00
0411734338 03 01/01/00 0
0411734338 O 12/01/29
0
3065288 E82/G02 F 68,250.00 ZZ
360 68,250.00 1
1529 LARKS NEST COURT 9.375 567.67 75
9.125 567.67 91,000.00
ORLANDO FL 32824 1 12/06/99 00
0400243788 05 02/01/00 0
0400243788 O 01/01/30
0
3065966 480/G02 F 157,500.00 ZZ
360 157,063.34 4
1901 55TH TERRACE SW 9.000 1,267.28 90
8.750 1,267.28 175,000.00
NAPLES FL 34118 1 07/13/99 12
0431738681 05 09/01/99 25
3034238 N 08/01/29
0
1
3066279 765/G02 F 57,500.00 ZZ
360 57,465.16 1
12612 8TH AVENUE NE 8.500 442.13 43
8.250 442.13 135,000.00
SEATTLE WA 98125 5 11/19/99 00
0431688308 05 01/01/00 0
122877A O 12/01/29
0
3066515 480/G02 F 41,600.00 ZZ
360 41,558.90 1
140 CEDAR STREET 9.500 349.80 78
9.250 349.80 53,500.00
MONTGOMERY AL 36110 2 10/29/99 00
0431693357 05 12/01/99 0
3168192 N 11/01/29
0
3068375 526/526 F 103,200.00 ZZ
360 99,960.70 4
209 LINDEN AVENUE 8.750 811.88 80
8.500 811.88 129,000.00
JERSEY CITY NJ 07305 1 02/21/96 00
0091973 05 04/01/96 0
0091973 N 03/01/26
0
3068377 526/526 F 72,000.00 ZZ
360 70,144.31 3
3805 SE SALERNO ROAD 9.500 605.42 90
9.250 605.42 80,000.00
PORT SALERN FL 34997 1 05/01/96 04
0121668 05 06/01/96 25
0121668 N 05/01/26
0
3068378 526/526 F 63,400.00 ZZ
360 61,940.54 2
121 MYRTLE AVENUE 9.625 538.90 90
9.375 538.90 70,560.00
JERSEY CITY NJ 07305 1 08/20/96 10
0139599 05 10/01/96 25
0139599 N 09/01/26
0
3068379 526/526 F 37,800.00 ZZ
360 36,796.44 2
1
911/913 NATHANIAL ROAD 9.875 328.24 90
9.625 328.24 42,000.00
CLEVELAND OH 44110 1 08/09/96 10
0140967 05 10/01/96 25
0140967 N 09/01/26
0
3068380 526/526 F 145,800.00 ZZ
360 142,521.00 1
13411 YOUNG WOOD TURN 9.625 1,239.29 90
9.375 1,239.29 162,000.00
BOWIE MD 20715 1 08/30/96 12
0143120 05 10/01/96 25
0143120 N 09/01/26
0
3068381 526/526 F 110,250.00 ZZ
360 107,254.65 1
918 FAYETTE STREET 9.500 927.05 90
9.250 927.05 122,500.00
CONSHOHOCKE PA 19428 1 08/26/96 10
0143806 07 10/01/96 30
0143806 N 09/01/26
0
3068382 526/526 F 59,000.00 T
360 57,738.48 1
113 PINE TOP LANE 8.750 464.16 70
8.500 464.16 84,400.00
KISSIMMEE FL 34758 1 03/21/97 00
0149178 03 05/01/97 0
0149178 O 04/01/27
0
3068383 526/526 F 79,400.00 ZZ
360 77,585.71 1
5185 HEATHERSTONE CO 8.750 624.65 90
8.500 624.65 88,275.00
KISSIMMEE FL 34758 1 01/31/97 04
0150662 03 03/01/97 25
0150662 N 02/01/27
0
3068384 526/526 F 100,720.00 T
360 98,130.95 1
1561 OAK HILL TRAIL 9.000 810.42 80
8.750 810.42 125,900.00
KISSIMMEE FL 34747 1 02/10/97 00
0151301 05 04/01/97 0
1
0151301 O 03/01/27
0
3068386 526/526 F 59,600.00 ZZ
360 56,260.69 3
173 LAKE STREET 9.500 501.15 90
9.250 501.15 66,250.00
RAVENNA OH 44266 1 12/03/96 10
0152187 05 01/01/97 25
0152187 N 12/01/26
0
3068387 526/526 F 66,600.00 ZZ
360 65,307.92 3
73 STRATTON STREET 9.250 547.91 90
9.000 547.91 74,000.00
DORCHESTER MA 02124 1 03/20/97 10
0154655 05 05/01/97 25
0154655 N 04/01/27
0
3068388 526/526 F 32,500.00 ZZ
360 28,130.24 2
535 N E 4 AVENUE 9.000 261.51 55
8.750 261.51 60,000.00
FT LAUDERDA FL 33301 1 11/25/96 00
0156035 05 01/01/97 0
0156035 N 12/01/26
0
3068389 526/526 F 32,500.00 ZZ
360 28,142.66 1
539 N E 4TH AVENUE 9.000 261.51 55
8.750 261.51 60,000.00
FT LAUDERDALE FL 33301 1 11/25/96 00
0156046 05 01/01/97 0
0156046 N 12/01/26
0
3068390 526/526 F 140,090.06 ZZ
350 134,286.94 1
811 SAN MARINO 7.375 975.20 73
7.125 975.20 193,000.00
SUGAR LAND TX 77478 1 11/06/97 00
0156551 05 12/01/97 0
0156551 O 01/01/27
0
1
3068391 526/526 F 31,200.00 ZZ
360 30,493.35 2
1317 PONTIAC AVENUE 9.125 253.86 65
8.875 253.86 48,000.00
BALTIMORE MD 21225 5 11/15/96 00
0158073 05 01/01/97 0
0158073 N 12/01/26
0
3068392 526/526 F 81,900.00 ZZ
360 79,878.81 1
165 WEST 95TH STREE 8.000 600.96 90
7.750 600.96 91,000.00
NEW YORK NY 10025 1 03/06/97 04
0158970 01 05/01/97 25
0158970 N 04/01/27
0
3068395 526/526 F 25,100.00 ZZ
360 24,521.88 1
450 W 15TH STREET 8.875 199.71 90
8.625 199.71 27,900.00
RIVIERA BEACH FL 33404 1 12/20/96 04
0161458 05 02/01/97 25
0161458 N 01/01/27
0
3068396 526/526 F 115,478.51 ZZ
337 113,781.40 1
17345 OLD FREDERICK R 7.125 793.59 73
6.875 793.59 160,000.00
MOUNT AIRY MD 21771 2 02/03/99 00
0162987 05 02/01/99 0
0162987 O 02/01/27
0
3068397 526/526 F 119,950.00 ZZ
360 117,323.13 1
1 NEWBURGH DRIVE 8.625 932.96 80
8.375 932.96 149,990.00
EDISON NJ 08820 1 03/07/97 00
0163368 01 05/01/97 0
0163368 N 04/01/27
0
3068398 526/526 F 43,200.00 ZZ
360 42,244.69 2
310 - 312 N 7TH STR 8.750 339.86 90
8.500 339.86 48,000.00
1
HOPEWELL VA 23860 1 02/28/97 12
0163729 05 04/01/97 25
0163729 N 03/01/27
0
3068399 526/526 F 33,300.00 ZZ
360 32,625.80 1
322 S.W. KENTWOOD R 9.375 276.98 90
9.125 276.98 37,050.00
PORT ST.LUCIE FL 34953 1 01/23/97 12
0164556 05 03/01/97 25
0164556 N 02/01/27
0
3068400 526/526 F 86,250.00 T
360 84,511.25 1
35 FOX CHASE ROAD 8.875 686.25 75
8.625 686.25 115,000.00
EVESHAM TWP NJ 08053 1 04/18/97 00
0164985 03 06/01/97 0
0164985 O 05/01/27
0
3068404 526/526 F 26,600.00 ZZ
360 26,083.76 1
314 NORTH DWIGHT AV 9.250 218.84 70
9.000 218.84 38,000.00
DALLAS TX 75211 5 03/11/97 00
0166357 05 05/01/97 0
0166357 N 04/01/27
0
3068405 526/526 F 71,750.00 ZZ
360 70,238.49 1
331 60TH STREET 9.000 577.32 69
8.750 577.32 104,000.00
NEWPORT NEW VA 23607 5 02/28/97 00
0166534 05 04/01/97 0
0166534 N 03/01/27
0
3068407 526/526 F 63,000.00 ZZ
360 61,672.60 1
412 W STATE ST 9.000 506.92 90
8.750 506.92 70,000.00
CHERRY VALLEY IL 61016 1 02/28/97 10
0166815 05 04/01/97 25
0166815 N 03/01/27
0
1
3068408 526/526 F 49,600.00 ZZ
360 48,503.18 3
11403 SANDERSON ROAD 8.750 390.21 80
8.500 390.21 62,000.00
MEDINA NY 14103 1 02/28/97 10
0167071 05 04/01/97 12
0167071 N 03/01/27
0
3068409 526/526 F 63,000.00 ZZ
360 61,467.10 4
259 S 5TH AVE 8.250 473.30 90
8.000 473.30 70,000.00
MILLS WY 82644 1 02/21/97 01
0167188 05 04/01/97 25
0167188 N 03/01/27
0
3068412 526/526 F 204,000.00 ZZ
360 200,925.55 4
65 JESSUP STREET 8.000 1,496.88 85
7.750 1,496.88 240,000.00
BRIGHTON CO 80601 1 03/11/98 12
0317903 05 05/01/98 25
0317903 N 04/01/28
0
3068416 526/526 F 24,350.00 ZZ
360 24,086.68 1
2710 DOUGLAS AVENUE #107 7.875 176.56 90
7.625 176.56 27,100.00
DALLAS TX 75219 1 09/23/98 12
0341505 01 11/01/98 25
0341505 O 10/01/28
0
3068417 526/526 F 220,500.00 ZZ
360 218,611.83 1
19201NE207TH AVENUE 7.875 1,598.78 70
7.625 1,598.78 315,000.00
BRUSH PRAIRIE WA 98606 1 12/23/98 00
0354512 05 02/01/99 0
0354512 O 01/01/29
0
3068418 526/526 F 193,500.00 ZZ
360 189,962.22 4
1
72-12 67TH PLACE 7.875 1,403.01 90
7.625 1,403.01 215,000.00
GLENDALE NY 11385 1 01/15/99 11
0355027 05 03/01/99 25
0355027 O 02/01/29
0
3068420 526/526 F 172,000.00 ZZ
360 171,700.95 2
61 SKILLMAN AVENUE 8.750 1,353.13 80
8.500 1,353.13 215,000.00
BROOKLYN NY 11211 5 09/02/99 00
0369175 05 11/01/99 0
0369175 N 10/01/29
0
3068421 526/526 F 61,000.00 ZZ
360 60,821.94 2
13812-13814 RUGBY RD 8.750 479.89 85
8.500 479.89 72,000.00
CLEVELAND OH 44110 2 07/30/99 01
0374213 05 09/01/99 20
0374213 N 08/01/29
0
3068422 526/526 F 91,750.00 ZZ
360 91,699.89 1
6928 GLEN HILLS DRIV 9.000 738.24 90
8.750 738.24 101,990.00
RIO RANCHO NM 87124 1 11/08/99 12
0374585 05 01/01/00 25
0374585 N 12/01/29
0
3068423 526/526 F 79,150.00 ZZ
360 78,983.95 1
3428 MORGAN MEADOWS 9.250 651.15 90
9.000 651.15 87,990.00
RIO RANCHO NM 87124 1 09/02/99 04
0374594 03 10/01/99 25
0374594 N 09/01/29
0
3068424 526/526 F 80,750.00 ZZ
360 80,465.15 1
15878 FIRTREE LANE 8.250 606.65 85
8.000 606.65 95,000.00
APPLE VALLEY MN 55124 5 07/21/99 12
0374662 01 09/01/99 25
1
0374662 O 08/01/29
0
3068425 526/526 F 106,050.00 ZZ
360 105,860.79 1
540 OAK KNOLL DRIVE 8.625 824.85 78
8.375 824.85 136,000.00
ASHLAND OR 97520 5 09/23/99 00
0375216 05 11/01/99 0
0375216 O 10/01/29
0
3068426 526/526 F 181,600.00 ZZ
360 179,749.77 1
7 DALE TERRACE 8.375 1,380.30 80
8.125 1,380.30 227,000.00
SANDWICH MA 02563 5 07/23/99 00
0375530 05 09/01/99 0
0375530 O 08/01/29
0
3068427 526/526 F 180,000.00 ZZ
360 179,500.92 1
800 1ST STREET NORTHEAST 9.000 1,448.33 80
8.750 1,448.33 225,000.00
MINOT ND 58701 5 07/27/99 00
0376360 05 09/01/99 0
0376360 O 08/01/29
0
3068428 526/526 F 106,200.00 ZZ
360 105,845.34 2
407-409 PLANT AVE 9.000 854.51 90
8.750 854.51 118,000.00
BOERNE TX 78006 1 07/01/99 12
0376543 05 08/01/99 25
0376543 N 07/01/29
0
3068429 526/526 F 120,000.00 ZZ
360 119,734.83 3
175 LULL RD 9.000 965.55 86
8.750 965.55 140,000.00
WEARE NH 03281 1 09/02/99 11
0376891 05 10/01/99 25
0376891 N 09/01/29
0
1
3068430 526/526 F 22,500.00 ZZ
360 22,463.79 1
781 COUNTRY PLACE DRIVE #2042 9.125 183.07 90
8.875 183.07 25,000.00
HOUSTON TX 77079 1 09/13/99 11
0376938 01 11/01/99 25
0376938 O 10/01/29
0
3068432 526/526 F 142,000.00 ZZ
360 141,771.57 3
58 DOWNER AVE 9.125 1,155.36 64
8.875 1,155.36 224,000.00
DORCHESTER MA 02125 5 09/08/99 00
0377996 05 11/01/99 0
0377996 N 10/01/29
0
3068433 526/526 F 172,000.00 ZZ
360 171,447.10 1
40131 SE LOUDEN RD 8.625 1,337.80 80
8.375 1,337.80 215,000.00
CORBETT OR 97019 5 08/03/99 00
0378428 05 10/01/99 0
0378428 O 09/01/29
0
3068434 526/526 F 128,550.00 ZZ
360 128,165.02 1
1732 WEST AMBERWOOD DR 8.625 999.85 90
8.375 999.85 142,886.00
PHOENIX AZ 85045 1 07/27/99 12
0378575 03 09/01/99 25
0378575 N 08/01/29
0
3068435 526/526 F 194,750.00 ZZ
240 193,781.89 1
7937 WISE AVENUE 8.250 1,659.40 95
8.000 1,659.40 205,000.00
WESTCHESTER OH 45069 2 09/10/99 01
0378587 05 11/01/99 30
0378587 O 10/01/19
0
3068436 526/526 F 56,000.00 ZZ
360 55,965.18 1
705 NE 16 ST 8.375 425.65 70
8.125 425.65 81,000.00
1
FT LAUDERDALE FL 33304 5 11/03/99 00
0378626 05 01/01/00 0
0378626 N 12/01/29
0
3068437 526/526 F 159,750.00 ZZ
360 159,450.02 4
7179,7181,7183,7185 SW 21ST 8.375 1,214.22 90
8.125 1,214.22 177,500.00
MIAMI FL 33155 1 09/07/99 11
0378792 05 11/01/99 25
0378792 N 10/01/29
0
3068439 526/526 F 70,200.00 ZZ
360 70,124.98 4
3407 WEST FILLMORE ST 9.125 571.18 90
8.875 571.18 78,000.00
PHOENIX AZ 85009 1 10/01/99 12
0379456 05 12/01/99 25
0379456 N 11/01/29
0
3068440 526/526 F 136,000.00 ZZ
360 135,699.48 1
1768 BELMONT LOOP SW 9.000 1,094.29 80
8.750 1,094.29 170,000.00
ALBANY OR 97321 5 08/25/99 00
0379577 05 10/01/99 0
0379577 O 09/01/29
0
3068441 526/526 F 107,100.00 ZZ
360 106,822.40 4
6821 NORTH 59TH DR 9.000 861.76 90
8.750 861.76 119,000.00
GLENDALE AZ 85301 1 09/03/99 01
0379673 05 11/01/99 25
0379673 N 10/01/29
0
3068442 526/526 F 139,500.00 ZZ
360 139,191.75 2
19923- 19929 SE WASHINGTON CT. 9.000 1,122.45 90
8.750 1,122.45 155,000.00
PORTLAND OR 97233 1 08/21/99 11
0379857 05 10/01/99 25
0379857 N 09/01/29
0
1
3068443 526/526 F 115,500.00 ZZ
360 115,318.95 4
29 CHELSEA ST 9.250 950.20 70
9.000 950.20 165,000.00
EAST BOSTON MA 02128 1 09/13/99 00
0380080 05 11/01/99 0
0380080 N 10/01/29
0
3068445 526/526 F 34,200.00 ZZ
360 34,128.23 1
300 N DAKOTA ST 9.250 281.36 90
9.000 281.36 38,000.00
CHANDLER AZ 85224 1 08/17/99 12
0380131 05 10/01/99 25
0380131 N 09/01/29
0
3068447 526/526 F 197,600.00 ZZ
360 197,298.28 4
4422 REDGATE RD 9.375 1,643.54 80
9.125 1,643.54 247,000.00
NORCROSS GA 30093 1 09/15/99 00
0380547 05 11/01/99 0
0380547 N 10/01/29
0
3068448 526/526 F 70,000.00 ZZ
360 69,878.27 1
70 THE FENWAY AVE #14 8.750 550.70 58
8.500 550.70 122,000.00
BOSTON MA 02115 5 09/13/99 00
0380638 08 11/01/99 0
0380638 N 10/01/29
0
3068449 526/526 F 55,800.00 ZZ
360 55,707.87 3
12 ASHLEY ST 9.000 448.98 90
8.750 448.98 62,000.00
NEW BEDFORD MA 02744 1 09/29/99 11
0380658 05 11/01/99 25
0380658 N 10/01/29
0
3068450 526/526 F 29,600.00 ZZ
360 29,554.80 1
1
1210 CHAMBERLIN DR 9.375 246.20 80
9.125 246.20 37,000.00
BEAUMONT TX 77707 1 09/17/99 12
0380854 05 11/01/99 12
0380854 N 10/01/29
0
3068451 526/526 F 91,800.00 ZZ
360 91,659.83 2
870 ROCK ST 9.375 763.55 90
9.125 763.55 102,000.00
ATLANTA GA 30314 1 09/15/99 12
0381140 05 11/01/99 25
0381140 N 10/01/29
0
3068452 526/526 F 113,300.00 ZZ
360 113,049.65 4
2047 NORTH 49TH PLACE 9.000 911.64 90
8.750 911.64 125,900.00
PHOENIX AZ 85008 1 08/26/99 01
0381142 05 10/01/99 25
0381142 N 09/01/29
0
3068453 526/526 F 142,650.00 ZZ
360 142,334.82 4
2843 EAST GRANDVIEW RD 9.000 1,147.79 90
8.750 1,147.79 158,500.00
PHOENIX AZ 85032 1 08/26/99 01
0381143 05 10/01/99 25
0381143 N 09/01/29
0
3068454 526/526 F 45,600.00 ZZ
360 45,488.34 3
39 OREAD ST 8.500 350.62 95
8.250 350.62 48,000.00
WORCESTER MA 01610 1 09/03/99 11
0381211 05 10/01/99 30
0381211 O 09/01/29
0
3068455 526/526 F 107,920.00 ZZ
360 107,722.47 1
164 LAKESIDE DRIVE 8.500 829.81 80
8.250 829.81 134,990.00
MONTGOMERY TX 77356 1 09/15/99 00
0381799 03 11/01/99 0
1
0381799 O 10/01/29
0
3068456 526/526 F 235,000.00 ZZ
360 234,523.80 1
2829 DONNYBROOK DRIV 8.000 1,724.35 70
7.750 1,724.35 337,000.00
BURLESON TX 76028 1 09/24/99 00
0381839 05 11/01/99 0
0381839 O 10/01/29
0
3068457 526/526 F 120,650.00 ZZ
360 120,514.22 2
1436 HOWARD AVE 8.875 959.95 95
8.625 959.95 127,000.00
COLORADO SP CO 80903 1 10/26/99 12
0382104 05 12/01/99 30
0382104 O 11/01/29
0
3068458 526/526 F 155,750.00 ZZ
360 155,655.64 1
13391 ELIZABETH STREE 8.500 1,197.59 80
8.250 1,197.59 194,689.00
THRONTON CO 80241 1 11/30/99 00
0382152 03 01/01/00 0
0382152 O 12/01/29
0
3068460 526/526 F 93,750.00 ZZ
360 93,467.96 2
10212 & 10214 S COPPE 8.875 745.92 75
8.625 745.92 125,000.00
COPPERTON UT 84121 1 09/15/99 00
0382490 05 11/01/99 0
0382490 N 10/01/29
0
3068461 526/526 F 90,000.00 ZZ
360 89,660.96 2
10211 & 10213 COPPERTON CIRCLE 8.875 716.08 75
8.625 716.08 120,000.00
COPPERTON UT 84006 1 09/15/99 00
0382540 05 11/01/99 0
0382540 N 10/01/29
0
1
3068462 526/526 F 97,650.00 ZZ
360 97,496.94 3
663 EAST 160TH ST 9.250 803.35 90
9.000 803.35 108,500.00
CLEVELAND OH 44110 1 09/23/99 01
0382562 05 11/01/99 25
0382562 O 10/01/29
0
3068464 526/526 F 58,500.00 ZZ
360 58,437.49 3
2621 E BRILL ST 9.125 475.98 90
8.875 475.98 65,000.00
PHOENIX AZ 85008 1 10/06/99 12
0382948 05 12/01/99 25
0382948 N 11/01/29
0
3068466 526/526 F 78,000.00 ZZ
360 77,874.51 1
3515 SHERIDAN BLVD 9.125 634.64 65
8.875 634.64 120,000.00
WHEATRIDGE CO 80212 5 10/01/99 00
0383112 05 11/01/99 0
0383112 N 10/01/29
0
3068467 526/526 F 24,750.00 ZZ
360 24,706.96 1
4837 CEDAR SPRINGS RD #108 8.750 194.71 90
8.500 194.71 27,500.00
DALLAS TX 75219 1 10/01/99 12
0383239 01 11/01/99 25
0383239 O 10/01/29
0
3068468 526/526 F 175,500.00 ZZ
360 175,302.49 4
930 N REVERE ST 8.875 1,396.36 90
8.625 1,396.36 195,000.00
MESA AZ 85201 1 10/06/99 01
0383293 05 12/01/99 25
0383293 N 11/01/29
0
3068469 526/526 F 171,350.00 ZZ
360 171,157.17 4
9797 E LA PALMA AVE 8.875 1,363.34 90
8.625 1,363.34 190,400.00
1
MESA AZ 85219 1 10/07/99 01
0383294 05 12/01/99 25
0383294 N 11/01/29
0
3068470 526/526 F 25,600.00 ZZ
360 25,569.67 1
10555 TURTLEWOOD 70 8.625 199.11 80
8.375 199.11 32,000.00
HOUSTON TX 77072 1 10/18/99 00
0383433 01 12/01/99 0
0383433 O 11/01/29
0
3068472 526/526 F 69,300.00 ZZ
360 69,182.58 1
3255 KIRCHOFF RD 8.875 551.38 90
8.625 551.38 77,000.00
ROLLING MEA IL 60008 1 10/01/99 12
0383883 01 11/01/99 25
0383883 O 10/01/29
0
3068473 526/526 F 137,600.00 ZZ
360 137,452.99 3
645 NW 15 AVE 9.125 1,119.56 80
8.875 1,119.56 172,000.00
FORT LAUDERDALE FL 33311 1 10/25/99 00
0383951 05 12/01/99 0
0383951 N 11/01/29
0
3068475 526/526 F 124,600.00 ZZ
360 124,528.31 4
24 WEST COTTAGE ST 8.750 980.23 70
8.500 980.23 178,000.00
DORCHESTER MA 02125 5 11/24/99 00
0384108 07 01/01/00 0
0384108 N 12/01/29
0
3068476 526/526 F 91,000.00 ZZ
360 90,880.53 1
1592 POLK ST 8.125 675.68 65
7.875 675.68 140,000.00
EUGENE OR 97402 5 10/05/99 00
0384179 05 12/01/99 0
0384179 N 11/01/29
0
1
3068478 526/526 F 75,600.00 ZZ
360 75,478.38 3
2109 EAST OSBORN 9.125 615.11 90
8.875 615.11 84,000.00
PHOENIX AZ 85016 1 09/29/99 01
0384294 05 11/01/99 25
0384294 N 10/01/29
0
3068479 526/526 F 226,000.00 ZZ
360 225,752.17 3
145 SUGARLOAF ST 9.000 1,818.45 77
8.750 1,818.45 295,000.00
SEDONA AZ 86351 1 10/25/99 00
0384311 05 12/01/99 0
0384311 N 11/01/29
0
3068481 526/526 F 135,000.00 ZZ
360 134,855.76 4
6022 W ALICE AVE 9.125 1,098.41 90
8.875 1,098.41 150,000.00
GLENDALE AZ 85302 1 10/08/99 12
0384390 05 12/01/99 25
0384390 N 11/01/29
0
3068482 526/526 F 105,600.00 ZZ
360 105,474.85 1
4009 MEADOWS AVENUE 8.625 821.35 80
8.375 821.35 132,000.00
EVANS CO 80620 5 10/20/99 00
0384612 05 12/01/99 0
0384612 O 11/01/29
0
3068483 526/526 F 112,500.00 ZZ
360 112,366.69 4
10561 STARCREST DRIVE 8.625 875.01 90
8.375 875.01 125,000.00
SAN ANTONIO TX 78217 1 10/29/99 12
0384621 05 12/01/99 25
0384621 N 11/01/29
0
3068484 526/526 F 109,000.00 ZZ
360 107,449.13 1
1
1342 WEST KESLER LN 9.000 877.04 77
8.750 877.04 141,688.00
CHANDLER AZ 85224 1 10/01/99 00
0384639 03 11/01/99 0
0384639 N 10/01/29
0
3068485 526/526 F 114,400.00 ZZ
360 114,264.41 4
863 W RAY RD 8.625 889.80 80
8.375 889.80 143,000.00
CHANDLER AZ 85224 1 10/21/99 00
0384672 05 12/01/99 0
0384672 N 11/01/29
0
3068488 526/526 F 129,600.00 ZZ
360 129,454.14 4
1851 ESTHER DRIVE #1 8.875 1,031.16 95
8.625 1,031.16 136,500.00
LAKE CHARLE LA 70611 1 10/28/99 12
0385084 05 12/01/99 30
0385084 O 11/01/29
0
3068489 526/526 F 98,000.00 ZZ
360 97,871.35 1
6638 NORTH 13TH ST 8.125 727.65 68
7.875 727.65 146,000.00
PHOENIX AZ 85014 5 10/13/99 00
0385206 05 12/01/99 0
0385206 O 11/01/29
0
3068490 526/526 F 74,100.00 ZZ
360 74,059.52 1
1350 JOSEPHINE STREET #101 9.000 596.23 90
8.750 596.23 82,375.00
DENVER CO 80206 1 11/22/99 12
0385280 08 01/01/00 25
0385280 O 12/01/29
0
3068493 526/526 F 21,150.00 ZZ
360 21,125.57 1
3943 WEST READE AVE 8.750 166.39 90
8.500 166.39 23,500.00
PHOENIX AZ 85019 1 10/29/99 01
0385571 09 12/01/99 25
1
0385571 N 11/01/29
0
3068494 526/526 F 176,000.00 ZZ
360 175,881.90 1
30175 NE SMITS LN 8.000 1,291.43 63
7.750 1,291.43 280,000.00
NEWBERG OR 97132 5 11/08/99 00
0385753 05 01/01/00 0
0385753 O 12/01/29
0
3068495 526/526 F 92,700.00 ZZ
360 92,603.49 2
1623 W 16TH STREET 9.250 762.63 90
9.000 762.63 103,000.00
CHICAGO IL 60608 1 10/22/99 11
0385787 05 12/01/99 25
0385787 N 11/01/29
0
3068496 526/526 F 76,000.00 ZZ
360 75,905.21 1
17157 ADRAIN RD 980 8.375 577.65 94
8.125 577.65 81,000.00
AUXVASSE MO 65231 2 10/22/99 11
0385793 05 12/01/99 30
0385793 O 11/01/29
0
3068498 526/526 F 162,000.00 ZZ
360 161,909.17 1
8544 E VIA DE ENCANTO 8.875 1,288.95 72
8.625 1,288.95 225,000.00
SCOTTSDALE AZ 85258 5 11/05/99 00
0385966 03 01/01/00 0
0385966 O 12/01/29
0
3068499 526/526 F 74,700.00 ZZ
360 74,658.12 4
3628 E 65TH STREET 8.875 594.35 90
8.625 594.35 83,000.00
CLEVELAND OH 44105 1 11/24/99 01
0386071 05 01/01/00 25
0386071 N 12/01/29
0
1
3068500 526/526 F 16,650.00 ZZ
360 16,641.14 1
311 MYERS AVE 9.125 135.47 90
8.875 135.47 18,500.00
MANSFIELD OH 44902 1 11/08/99 01
0386273 05 01/01/00 25
0386273 N 12/01/29
0
3068501 526/526 F 123,750.00 ZZ
360 123,682.41 1
1401 EAST BEACH BLVD #310 9.000 995.72 75
8.750 995.72 165,000.00
GALVESTON TX 77550 5 11/12/99 00
0386279 06 01/01/00 0
0386279 O 12/01/29
0
3068502 526/526 F 49,500.00 ZZ
360 49,472.25 1
4039 COLE AVENUE #105 8.875 393.84 90
8.625 393.84 55,000.00
DALLAS TX 75204 1 11/05/99 11
0386281 01 01/01/00 25
0386281 O 12/01/29
0
3068503 526/526 F 90,250.00 ZZ
360 90,203.21 3
16-18 PRESTON ST 9.250 742.46 95
9.000 742.46 95,000.00
HARTFORD CT 06105 1 11/30/99 11
0386394 05 01/01/00 30
0386394 O 12/01/29
0
3068504 526/526 F 76,200.00 ZZ
360 76,155.01 1
1004 WEST 370 NORTH 8.625 592.68 64
8.375 592.68 120,000.00
OREM UT 84057 5 11/08/99 00
0386446 05 01/01/00 0
0386446 O 12/01/29
0
3068506 526/526 F 166,500.00 ZZ
360 166,322.11 4
511 WEST BELL 9.125 1,354.70 90
8.875 1,354.70 185,000.00
1
HOUSTON TX 77019 1 11/05/99 11
0386824 05 12/01/99 25
0386824 N 11/01/29
0
3068507 526/526 F 77,850.00 ZZ
360 77,802.84 1
10929 VAN BUREN 8.500 598.60 90
8.250 598.60 86,500.00
BELLEVILLE MI 48111 1 11/12/99 04
0386828 05 01/01/00 25
0386828 N 12/01/29
0
3068508 526/526 F 35,550.00 ZZ
360 34,529.02 1
10615 BRIAR FOREST #1 8.625 276.50 90
8.375 276.50 39,500.00
HOUSTON TX 77042 1 11/22/99 12
0386856 01 01/01/00 25
0386856 O 12/01/29
0
3068509 526/526 F 58,500.00 ZZ
360 58,466.34 1
4081 WEST 140TH STREET 8.750 460.22 65
8.500 460.22 90,000.00
CLEVELAND OH 44135 5 11/19/99 00
0386935 05 01/01/00 0
0386935 N 12/01/29
0
3068510 526/526 F 174,600.00 ZZ
360 174,504.62 4
1132- 1142 E DRACHMAN ST 9.000 1,404.88 90
8.750 1,404.88 194,000.00
TUCSON AZ 85719 1 11/12/99 11
0387116 05 01/01/00 25
0387116 N 12/01/29
0
3068511 526/526 F 83,250.00 ZZ
360 83,204.53 4
1609 E BRILL ST 9.000 669.85 90
8.750 669.85 92,500.00
PHOENIX AZ 85006 1 11/16/99 14
0387138 05 01/01/00 25
0387138 N 12/01/29
0
1
3068512 526/526 F 76,000.00 ZZ
360 75,953.96 1
3627 WAVERLY OAKS WA 8.500 584.37 80
8.250 584.37 95,000.00
LITHONIA GA 30058 1 11/18/99 00
0387458 05 01/01/00 0
0387458 N 12/01/29
0
3068513 526/526 F 33,300.00 ZZ
360 33,280.83 1
2436 BROADWAY ST 8.750 261.97 90
8.500 261.97 37,000.00
TOLEDO OH 43609 1 11/29/99 01
0387674 05 01/01/00 25
0387674 N 12/01/29
0
3068515 526/526 F 76,925.00 ZZ
360 76,877.18 1
6039 JOHN CHADMAN 8.375 584.69 85
8.125 584.69 90,500.00
SAN ANTONIO TX 78240 1 11/23/99 11
0388391 03 01/01/00 25
0388391 N 12/01/29
0
3068517 526/526 F 54,000.00 ZZ
360 53,967.29 1
8055 E THOMAS RD #F202 8.500 415.21 90
8.250 415.21 60,000.00
SCOTTSDALE AZ 85251 1 11/29/99 12
0388550 01 01/01/00 25
0388550 O 12/01/29
0
3068518 526/526 F 198,000.00 ZZ
360 197,888.99 4
1014 LINCOLN 8.875 1,575.38 90
8.625 1,575.38 220,000.00
NORTH CHICAGO IL 60064 1 11/29/99 11
0388576 05 01/01/00 25
0388576 O 12/01/29
0
3068519 526/526 F 192,000.00 ZZ
360 191,591.70 1
1
8350 W 41ST AVE 8.750 1,510.47 79
8.500 1,510.47 245,000.00
WHEATRIDGE CO 80030 5 11/23/99 00
0388807 05 01/01/00 0
0388807 O 12/01/29
0
3068520 526/526 F 117,000.00 ZZ
360 116,934.41 2
808 8TH ST 8.875 930.90 90
8.625 930.90 130,000.00
WAUKEGAN IL 60085 1 11/29/99 11
0388896 05 01/01/00 25
0388896 N 12/01/29
0
3068521 526/526 F 85,000.00 ZZ
360 83,351.11 3
3525 COLVER ROAD 9.250 699.28 85
9.000 699.28 100,000.00
PHOENIX OR 97535 1 03/21/97 12
9165049 05 05/01/97 20
9165049 N 04/01/27
0
3068522 526/526 F 88,000.00 ZZ
360 86,983.52 1
3170 SEA CASTLE DR 8.500 676.65 80
8.250 676.65 110,000.00
CRYSTAL BEA TX 77650 1 08/08/97 00
9180842 05 10/01/97 0
9180842 O 09/01/27
0
3068524 526/526 F 67,300.00 ZZ
360 66,088.13 1
514 SOUTHERN STREET 8.625 523.46 90
8.375 523.46 74,800.00
CORPUS CHRISTI TX 78404 1 09/22/97 10
9183034 05 11/01/97 25
9183034 N 10/01/27
0
3068670 526/526 F 21,000.00 ZZ
360 20,977.55 1
4034 WEST READE AVE 9.125 170.87 70
8.875 170.87 30,000.00
PHOENIX AZ 85019 5 10/27/99 00
0379983 09 12/01/99 0
1
0379983 N 11/01/29
0
3068671 526/526 F 98,850.00 ZZ
360 98,791.63 1
711 S BEDFORD DR 8.625 768.85 80
8.375 768.85 123,591.00
CHANDLER AZ 85225 1 11/19/99 00
0380058 03 01/01/00 0
0380058 N 12/01/29
0
3068676 526/526 F 163,000.00 ZZ
360 162,898.68 1
32472 DEBORAH DR 8.375 1,238.92 62
8.125 1,238.92 265,000.00
UNION CITY CA 94587 2 11/11/99 00
0386315 03 01/01/00 0
0386315 N 12/01/29
0
3068677 526/526 F 150,300.00 ZZ
360 150,135.18 1
41555 NORTH CLEAR CROSSING RD 9.000 1,209.35 90
8.750 1,209.35 167,000.00
ANTHEM AZ 85086 1 11/01/99 01
0386371 03 12/01/99 25
0386371 N 11/01/29
0
3068678 526/526 F 131,400.00 ZZ
360 131,318.33 4
1943 NW 20 AVENUE 8.375 998.73 90
8.125 998.73 146,000.00
MIAMI FL 33125 1 11/15/99 11
0386435 05 01/01/00 25
0386435 O 12/01/29
0
3068679 526/526 F 40,500.00 ZZ
360 40,476.08 1
830 SOUTH DOBSON RD 8.625 315.01 90
8.375 315.01 45,000.00
MESA AZ 85202 1 11/23/99 12
0386695 09 01/01/00 25
0386695 N 12/01/29
0
1
3068681 526/526 F 86,040.00 ZZ
360 85,990.50 1
9744 REEVES CT 8.750 676.88 90
8.500 676.88 95,600.00
FRANKLIN PARK IL 60131 1 11/29/99 11
0387101 05 01/01/00 25
0387101 N 12/01/29
0
3068682 526/526 F 96,300.00 ZZ
360 96,246.01 1
2054 NORTH 38TH WAY 8.875 766.21 90
8.625 766.21 107,000.00
PHOENIX AZ 85008 1 11/15/99 01
0387368 05 01/01/00 25
0387368 N 12/01/29
0
3068684 526/526 F 51,750.00 ZZ
360 51,720.98 1
600 S DOBSON RD #182 8.875 411.75 90
8.625 411.75 57,500.00
MESA AZ 85202 1 11/29/99 11
0387867 09 01/01/00 25
0387867 N 12/01/29
0
3068685 526/526 F 132,300.00 ZZ
360 132,219.84 4
260 W 8TH AVE LOT #1 8.500 1,017.28 90
8.250 1,017.28 147,000.00
MESA AZ 85210 1 11/23/99 01
0387888 03 01/01/00 25
0387888 N 12/01/29
0
3068686 526/526 F 148,000.00 ZZ
360 147,908.01 1
7222 S NEWBERRY LN 8.375 1,124.91 80
8.125 1,124.91 185,000.00
TEMPE AZ 85283 1 11/15/99 00
0387932 03 01/01/00 0
0387932 N 12/01/29
0
3068687 526/526 F 99,000.00 ZZ
360 98,944.50 1
608 W PALO VERDE ST 8.875 787.69 90
8.625 787.69 110,000.00
1
GILBERT AZ 85233 1 11/18/99 11
0388852 05 01/01/00 25
0388852 N 12/01/29
0
3068689 526/526 F 56,800.00 ZZ
360 56,765.59 1
1920 WEST LINDNER #1 8.500 436.74 80
8.250 436.74 71,000.00
MESA AZ 85205 1 10/18/99 00
0389313 03 01/01/00 0
0389313 N 12/01/29
0
3068890 K08/G02 F 64,800.00 ZZ
360 64,763.67 1
85 LAKE LYNN DRIVE BDG.4 8.875 515.58 90
UNIT 85 8.625 515.58 72,000.00
HARVEY LA 70058 1 12/03/99 04
0411630338 01 01/01/00 25
0411630338 N 12/01/29
0
3068891 K08/G02 F 94,400.00 ZZ
360 94,347.08 1
22801 EDGEWOOD 8.875 751.09 80
8.625 751.09 118,000.00
ST CLAIR SHORES MI 48080 2 11/29/99 00
0411657083 05 01/01/00 0
0411657083 O 12/01/29
0
3068893 K08/G02 F 51,300.00 ZZ
360 51,300.00 4
3207 N MAIN ST 9.500 431.36 90
9.250 431.36 57,000.00
DAYTON OH 45405 1 12/03/99 04
0411677859 05 02/01/00 25
0411677859 N 01/01/30
0
3068896 K08/G02 F 161,250.00 ZZ
360 161,250.00 1
416 GREEN MEADOW LANE 8.375 1,225.62 75
8.125 1,225.62 215,000.00
MARS HILL NC 28754 1 12/03/99 00
0411687528 05 02/01/00 0
0411687528 O 01/01/30
0
1
3068900 K08/G02 F 20,700.00 ZZ
360 20,690.35 1
1719 OLIVE STREET 9.750 177.84 90
9.500 177.84 23,000.00
NORTH LITTLE RO AR 72114 1 11/08/99 04
0411693286 05 01/01/00 25
0411693286 N 12/01/29
0
3068902 K08/G02 F 82,400.00 ZZ
360 82,400.00 3
235-237 SHERMAN AVENUE 9.375 685.36 80
9.125 685.36 103,000.00
MERIDAN CT 06450 5 12/03/99 00
0411694102 05 02/01/00 0
0411694102 N 01/01/30
0
3068903 K08/G02 F 88,000.00 ZZ
360 88,000.00 3
15-17 WEBSTER STREET 9.375 731.94 80
9.125 731.94 110,000.00
MERIDAN CT 06450 5 12/03/99 00
0411694987 05 02/01/00 0
0411694987 N 01/01/30
0
3068904 K08/G02 F 119,000.00 ZZ
240 118,827.41 1
10330 QUALLA RD 9.250 1,089.88 85
9.000 1,089.88 141,500.00
CHESTERFIELD VA 23832 5 11/29/99 11
0411697279 05 01/01/00 12
0411697279 O 12/01/19
0
3068905 K08/G02 F 112,500.00 ZZ
360 112,436.93 2
2111 DUNLAP DRIVE 8.875 895.10 90
8.625 895.10 125,000.00
SOUTH LAKE TAHO CA 96150 1 11/24/99 04
0411705601 05 01/01/00 25
0411705601 N 12/01/29
0
3068906 K08/G02 F 29,200.00 ZZ
360 29,200.00 1
1
208 KING ST 9.750 250.87 90
9.500 250.87 32,475.00
BAY CITY MI 48706 1 12/03/99 04
0411710478 05 02/01/00 25
0411710478 N 01/01/30
0
3068907 K08/G02 F 68,350.00 ZZ
360 68,350.00 2
528 NORWOOD STREET 9.125 556.12 90
8.875 556.12 75,999.00
EAST ORANGE NJ 07019 1 12/03/99 10
0411711609 05 02/01/00 25
0411711609 N 01/01/30
0
3068908 K08/G02 F 95,400.00 ZZ
360 95,350.54 1
1460 NORTH SANDBURG TERRACE 9.250 784.83 90
UNIT # 2009 9.000 784.83 106,000.00
CHICAGO IL 60610 1 12/03/99 01
0411711849 06 01/01/00 25
0411711849 N 12/01/29
0
3068909 K08/G02 F 24,800.00 ZZ
360 24,787.80 1
3100 NW 30TH STREET 9.500 208.53 90
9.250 208.53 27,600.00
OKLAHOMA CITY OK 73112 1 12/03/99 04
0411722564 05 01/01/00 25
0411722564 N 12/01/29
0
3068910 K08/G02 F 140,000.00 ZZ
360 140,000.00 1
LOT 8 RIVER FOREST DRIVE 8.750 1,101.38 80
8.500 1,101.38 175,000.00
BASTROP TX 78602 1 12/02/99 00
0411724743 03 02/01/00 0
0411724743 N 01/01/30
0
3068911 K08/G02 F 61,000.00 ZZ
360 60,965.81 1
1029 EAST 8TH AVENUE UNIT #503 8.875 485.34 63
8.625 485.34 98,000.00
DENVER CO 80218 1 12/03/99 00
0411728405 06 01/01/00 0
1
0411728405 N 12/01/29
0
3068912 K08/G02 F 56,700.00 ZZ
360 56,700.00 1
3814 INDIAN WELLS DRIVE 8.500 435.97 90
8.250 435.97 63,000.00
ARLINGTON TX 76017 1 12/02/99 04
0411728678 05 02/01/00 25
0411728678 N 01/01/30
0
3068914 K08/G02 F 139,200.00 ZZ
360 139,115.67 1
7113 BAYRIDGE COURT 8.500 1,070.33 80
8.250 1,070.33 174,000.00
GRANITE BAY CA 95746 1 11/24/99 00
0411729056 03 01/01/00 0
0411729056 N 12/01/29
0
3070022 253/253 F 50,800.00 ZZ
360 50,770.77 1
9465 ARLINGTON BLVD #204 8.750 399.65 80
8.500 399.65 63,500.00
FAIRFAX VA 22031 2 11/23/99 00
945605 01 01/01/00 0
945605 O 12/01/29
0
3071044 637/G02 F 128,700.00 ZZ
360 128,558.87 4
12761 WATER LANE 9.000 1,035.55 90
8.750 1,035.55 143,000.00
FT MYERS FL 33908 1 10/14/99 11
0431688399 05 12/01/99 25
1000005999 N 11/01/29
0
3071115 637/G02 F 127,500.00 ZZ
360 127,420.74 1
8231 CASSIS COURT 8.375 969.10 79
8.125 969.10 163,000.00
LAS VEGAS NV 89117 1 11/08/99 00
0431741495 05 01/01/00 0
0015339971 O 12/01/29
0
1
3071636 G75/G75 F 107,200.00 ZZ
360 107,139.89 1
10685 OLD MARSH ROAD 8.875 852.94 50
8.625 852.94 215,000.00
BEALETON VA 22712 1 11/10/99 00
03997319 05 01/01/00 0
03997319 O 12/01/29
0
3071639 G75/G75 F 92,150.00 ZZ
360 92,099.67 1
1426 ROMAN RIDGE WAY 9.000 741.46 70
8.750 741.46 131,708.00
BEL AIR MD 21014 1 11/18/99 00
03930268 09 01/01/00 0
03930268 O 12/01/29
0
3071649 G75/G75 F 175,750.00 ZZ
360 175,656.47 1
4626 HILLVIEW DR. 9.125 1,429.96 85
8.875 1,429.96 206,800.00
NAZARETH PA 18064 2 11/08/99 10
03980124 05 01/01/00 12
03980124 O 12/01/29
0
3071650 G75/G75 F 27,900.00 ZZ
360 27,885.53 1
294 LEVIS DRIVE 9.250 229.53 90
9.000 229.53 31,000.00
MOUNT HOLLY NJ 08060 1 11/30/99 01
03923364 05 01/01/00 25
03923364 N 12/01/29
0
3071651 G75/G75 F 19,800.00 ZZ
360 19,789.73 1
124 JOSEPH STREET 9.250 162.89 90
9.000 162.89 22,000.00
MOUNT HOLLY NJ 08060 1 11/29/99 14
03921120 05 01/01/00 25
03921120 N 12/01/29
0
3071652 G75/G75 F 79,750.00 ZZ
360 79,701.69 1
6858 EDMONTON ROAD 8.500 613.21 73
8.250 613.21 110,000.00
1
GLASGOW KY 42141 2 11/19/99 00
03978686 05 01/01/00 0
03978686 O 12/01/29
0
3071654 G75/G75 F 40,000.00 ZZ
360 39,978.71 1
729 W MANANA BLVD. 9.125 325.46 88
8.875 325.46 45,500.00
CLOVIS NM 88101 2 11/17/99 01
03810935 05 01/01/00 25
03810935 N 12/01/29
0
3071655 G75/G75 F 109,950.00 T
360 109,886.74 1
72 HARBOUR HEIGHTS 8.750 864.98 80
8.500 864.98 137,471.00
ANNAPLOIS MD 21401 1 11/18/99 00
03997179 01 01/01/00 0
03997179 O 12/01/29
0
3071656 G75/G75 F 87,200.00 ZZ
360 87,115.55 1
2682 MOUNTVILLE DRIVE 9.000 701.64 80
8.750 701.64 109,000.00
CINCINNATI OH 45238 1 11/30/99 00
03994654 05 01/01/00 0
03994654 O 12/01/29
0
3071658 G75/G75 F 85,500.00 ZZ
360 85,456.82 4
3752-54 GARFIELD AVENUE 9.375 711.15 90
9.125 711.15 95,000.00
PENNSAUKEN NJ 08105 1 11/30/99 01
03999806 05 01/01/00 25
03999806 N 12/01/29
0
3072446 K08/G02 F 178,500.00 ZZ
360 178,397.30 2
2037 NORTH LEAMINGTON AVE 8.750 1,404.26 85
8.500 1,404.26 210,000.00
CHICAGO IL 60639 1 12/06/99 04
0411637903 05 01/01/00 12
0411637903 O 12/01/29
0
1
3072449 K08/G02 F 90,000.00 ZZ
360 90,000.00 1
48285 DONAHUE STREET 9.375 748.58 90
9.125 748.58 100,000.00
CHESTERFIELD MI 48047 1 12/06/99 04
0411670680 05 02/01/00 25
0411670680 N 01/01/30
0
3072454 K08/G02 F 195,000.00 ZZ
360 194,869.16 1
20030 JEWEL ROAD 8.000 1,430.84 75
7.750 1,430.84 260,000.00
BOTHELL WA 98012 5 11/10/99 00
0411691249 05 01/01/00 0
0411691249 O 12/01/29
0
3072456 K08/G02 F 220,000.00 ZZ
360 219,856.09 1
443 NORTH 8TH STREET 8.125 1,633.49 80
7.875 1,633.49 275,000.00
SAN JOSE CA 95112 1 11/29/99 00
0411698848 05 01/01/00 0
0411698848 O 12/01/29
0
3072463 K08/G02 F 157,500.00 ZZ
360 157,416.19 4
514 RITA LN 9.125 1,281.47 86
8.875 1,281.47 185,000.00
ARLINGTON TX 76014 1 12/02/99 04
0411720030 05 01/01/00 25
0411720030 N 12/01/29
0
3072465 K08/G02 F 160,000.00 ZZ
360 159,905.54 3
2408 WHITE OAK DRIVE 8.625 1,244.46 80
8.375 1,244.46 200,000.00
HOUSTON TX 77009 1 12/06/99 00
0411726151 05 01/01/00 0
0411726151 O 12/01/29
0
3072467 K08/G02 F 158,400.00 ZZ
360 158,400.00 1
1
5615 ABILENE TRAIL 9.250 1,303.12 80
9.000 1,303.12 198,000.00
AUSTIN TX 78749 5 11/29/99 00
0411728009 05 02/01/00 0
0411728009 O 01/01/30
0
3072471 K08/G02 F 99,000.00 ZZ
360 99,000.00 1
100 LINCOLN ROAD, UNIT # 536 9.875 859.67 90
9.625 859.67 110,000.00
MIAMI BEACH FL 33139 1 12/06/99 01
0411738768 06 02/01/00 25
0411738768 N 01/01/30
0
3072601 E82/G02 F 202,000.00 ZZ
360 201,874.44 1
14355 RUSSO ROAD 8.375 1,535.35 68
8.125 1,535.35 300,000.00
CASTROVILLE CA 95012 2 12/01/99 00
0400224119 05 01/01/00 0
0400224119 O 12/01/29
0
3072616 K08/G02 F 134,300.00 ZZ
360 132,796.64 2
3444 W MARQUETTE 7.875 973.77 95
7.625 973.77 141,510.00
CHICAGO IL 60629 1 09/21/98 04
0410992465 05 11/01/98 30
0410992465 O 10/01/28
0
3073445 B35/G02 F 84,000.00 ZZ
360 83,949.11 1
4957 11TH STREET NE 8.500 645.89 70
8.250 645.89 120,000.00
WASHINGTON DC 20017 2 11/29/99 00
0431688175 05 01/01/00 0
99003929 O 12/01/29
0
3073509 637/G02 F 221,850.00 ZZ
360 221,728.82 4
6941-6961 E 75TH AVENUE 9.000 1,785.06 90
8.750 1,785.06 246,500.00
COMMERCE CITY CO 80022 1 11/24/99 01
0431688134 05 01/01/00 25
1
0015331523 N 12/01/29
0
3073534 637/G02 F 108,000.00 ZZ
360 107,934.57 1
553 GRANT AVENUE 8.500 830.43 80
8.250 830.43 135,000.00
LOUISVILLE CO 80027 2 11/15/99 00
0431688050 05 01/01/00 0
0015336316 O 12/01/29
0
3073828 637/G02 F 73,200.00 ZZ
360 73,157.88 1
1203 PANDO AVENUE 8.750 575.87 80
8.500 575.87 91,500.00
COLORADO SPRING CO 80906 1 11/29/99 00
0431681667 05 01/01/00 0
0015347024 O 12/01/29
0
3074588 737/G02 F 72,000.00 ZZ
360 71,957.49 1
24 SOUTHMONT DRIVE 8.625 560.01 90
8.375 560.01 80,000.00
TUSCALOOSA AL 35405 1 11/30/99 11
0431715267 05 01/01/00 25
2000106 O 12/01/29
0
3074792 637/G02 F 73,800.00 ZZ
360 73,719.06 2
12781 WATER LANE 9.000 593.82 90
8.750 593.82 82,000.00
FT MEYERS FL 33908 1 10/14/99 11
0431680925 05 12/01/99 25
1000005973 N 11/01/29
0
3076130 K08/G02 F 26,900.00 ZZ
360 26,900.00 1
9504 COUNTY ROAD NO. 3621 8.750 211.62 90
8.500 211.62 29,900.00
QUINLIN TX 75474 1 12/06/99 10
0411653033 05 02/01/00 25
0411653033 N 01/01/30
0
1
3076132 K08/G02 F 55,800.00 ZZ
360 55,743.42 1
1537 UNIVERSITY 9.375 464.12 90
9.125 464.12 62,000.00
LINCOLN PARK MI 48124 1 10/29/99 04
0411678345 05 12/01/99 25
0411678345 N 11/01/29
0
3076134 K08/G02 F 88,700.00 ZZ
360 88,700.00 1
1071 HEFNER DRIVE 8.750 697.80 95
8.500 697.80 93,400.00
CONOVER NC 28613 1 12/07/99 04
0411694086 05 02/01/00 30
0411694086 O 01/01/30
0
3076135 K08/G02 F 69,000.00 ZZ
360 68,962.31 1
11950 NW 16 AVE 9.000 555.19 77
8.750 555.19 90,000.00
MIAMI FL 33167 2 12/02/99 00
0411697337 05 01/01/00 0
0411697337 O 12/01/29
0
3076139 K08/G02 F 68,000.00 ZZ
360 67,962.86 1
3267 WEST RIALTO AVENUE 9.000 547.14 76
8.750 547.14 90,000.00
FRESNO CA 93722 5 12/01/99 00
0411713043 05 01/01/00 0
0411713043 N 12/01/29
0
3076142 K08/G02 F 71,000.00 ZZ
360 71,000.00 1
5954 SPEARMAN CIRCLE 8.500 545.93 89
8.250 545.93 80,000.00
NORTH PORT FL 34287 2 12/02/99 04
0411716467 05 02/01/00 25
0411716467 O 01/01/30
0
3076145 K08/G02 F 116,100.00 ZZ
360 116,100.00 4
216-219 ALPINE COURT 9.500 976.23 90
9.250 976.23 129,000.00
1
IRVING TX 75060 1 12/06/99 01
0411724313 05 02/01/00 25
0411724313 N 01/01/30
0
3076146 K08/G02 F 38,950.00 ZZ
360 38,950.00 2
1340 PATER AVENUE 9.250 320.43 90
9.000 320.43 43,300.00
HAMILTON OH 45011 1 12/07/99 10
0411729726 05 02/01/00 25
0411729726 N 01/01/30
0
3076147 K08/G02 F 100,300.00 ZZ
360 100,300.00 1
830 W. BEACH BLVD #5 8.500 771.22 85
8.250 771.22 118,000.00
LONG BEACH MS 39560 1 12/07/99 04
0411732118 07 02/01/00 12
0411732118 O 01/01/30
0
3076148 K08/G02 F 52,500.00 ZZ
360 52,500.00 2
813 & 815 PARKVIEW AVENUE 9.000 422.43 75
8.750 422.43 70,500.00
DALLAS TX 75223 1 12/07/99 00
0411737042 05 02/01/00 0
0411737042 N 01/01/30
0
3076149 K08/G02 F 33,300.00 ZZ
360 33,300.00 1
5805 MANHATTAN DRIVE 8.500 256.05 90
8.250 256.05 37,000.00
FORT WORTH TX 76107 1 12/06/99 10
0411738271 05 02/01/00 25
0411738271 N 01/01/30
0
3076150 K08/G02 F 154,600.00 ZZ
360 154,600.00 1
2676 BONITA 9.250 1,271.86 90
9.000 1,271.86 172,000.00
WATERFORD MI 48329 1 12/07/99 04
0411742166 05 02/01/00 25
0411742166 O 01/01/30
0
1
3076258 E82/G02 F 180,000.00 ZZ
360 180,000.00 2
138 EAST 2ND STREET 8.750 1,416.06 80
8.500 1,416.06 225,000.00
CLIFTON NJ 07011 1 12/09/99 00
0400245221 05 02/01/00 0
0400245221 O 01/01/30
0
3077648 168/168 F 208,000.00 ZZ
360 208,000.00 1
8 COBBLESTONE LANE 8.500 1,599.34 75
8.250 1,599.34 278,000.00
LAKE GROVE NY 11755 1 12/03/99 00
189509821 05 02/01/00 0
189509821 O 01/01/30
0
3077685 664/G02 F 215,000.00 ZZ
360 214,879.46 1
1375 KELTON AVENUE #202 8.875 1,710.64 77
8.625 1,710.64 280,000.00
LOS ANGELES CA 90024 5 11/17/99 00
0431694678 01 01/01/00 0
0003290814 O 12/01/29
0
3077787 168/168 F 64,050.00 ZZ
360 64,013.15 1
135 WEST REGENT 8.750 503.88 80
8.500 503.88 80,100.00
CLARKSVILLE TN 37043 5 11/29/99 00
169549828 05 01/01/00 0
169549828 O 12/01/29
0
3077804 664/G02 F 176,000.00 ZZ
360 175,901.33 1
1506 SABRINA CIRCLE 8.875 1,400.34 80
8.625 1,400.34 220,000.00
SIMI VALLEY CA 93063 5 11/22/99 00
0431694553 05 01/01/00 0
0003297934 O 12/01/29
0
3077922 562/G02 F 148,000.00 ZZ
360 147,914.85 1
1
157 LENOX AVENUE 8.750 1,164.32 80
8.500 1,164.32 185,000.00
UNIONDALE NY 11553 2 11/22/99 00
0431693274 05 01/01/00 0
621961 O 12/01/29
0
3077955 664/G02 F 215,000.00 ZZ
360 214,859.36 1
3086 DURAND DRIVE 8.125 1,596.37 48
7.875 1,596.37 455,000.00
LOS ANGELES CA 90068 5 11/19/99 00
0431694231 05 01/01/00 0
0003296522 O 12/01/29
0
3078260 765/G02 F 40,500.00 ZZ
360 40,479.00 1
530 MOUNT HOOD DRIVE 9.250 333.19 90
9.000 333.19 45,000.00
HEMET CA 92543 1 11/15/99 14
0431716042 03 01/01/00 25
349822 N 12/01/29
0
3078373 N28/G02 F 126,000.00 ZZ
360 126,000.00 4
6203 SE FERN AVENUE 8.750 991.24 75
8.500 991.24 170,000.00
PORTLAND OR 97206 1 12/06/99 00
0431693977 05 02/01/00 0
0382613 N 01/01/30
0
3079023 K08/G02 F 165,800.00 ZZ
360 165,800.00 1
822 MEADOWRIDGE DRIVE 8.375 1,260.20 80
8.125 1,260.20 207,300.00
AURORA IL 60504 1 12/08/99 00
0411690597 03 02/01/00 0
0411690597 O 01/01/30
0
3079026 K08/G02 F 97,600.00 ZZ
360 97,600.00 1
4501 OAK CREEK DRIVE 8.625 759.12 80
8.375 759.12 122,000.00
AUSTIN TX 78727 1 12/08/99 00
0411697386 05 02/01/00 0
1
0411697386 O 01/01/30
0
3079028 K08/G02 F 113,550.00 ZZ
360 113,550.00 4
3615 NORTHDALE PL 9.250 934.15 90
9.000 934.15 126,175.00
CINCINNATI OH 45213 1 12/08/99 04
0411712078 05 02/01/00 25
0411712078 N 01/01/30
0
3079030 K08/G02 F 40,200.00 ZZ
360 40,200.00 3
64 AYRAULT STREET 9.500 338.02 58
9.250 338.02 70,000.00
PROVIDENCE RI 02908 1 12/08/99 00
0411714454 05 02/01/00 0
0411714454 N 01/01/30
0
3079031 K08/G02 F 125,100.00 ZZ
360 125,100.00 1
5609 BURROUGH COVE 9.000 1,006.58 90
8.750 1,006.58 139,000.00
AUSTIN TX 78745 1 12/01/99 04
0411717812 05 02/01/00 25
0411717812 N 01/01/30
0
3079037 K08/G02 F 105,150.00 ZZ
360 105,150.00 1
1029 N. LINDEN 9.500 884.16 90
9.250 884.16 116,850.00
FLINT MI 48532 1 12/08/99 04
0411723646 05 02/01/00 25
0411723646 O 01/01/30
0
3079040 K08/G02 F 123,250.00 ZZ
360 123,250.00 1
1773 SHERMAN LANE 9.250 1,013.95 85
9.000 1,013.95 145,000.00
KENNESAW GA 30152 1 12/08/99 10
0411728322 05 02/01/00 12
0411728322 O 01/01/30
0
1
3079043 K08/G02 F 118,800.00 ZZ
360 118,800.00 1
5737 HIGHGROVE PLACE 8.875 945.23 80
8.625 945.23 148,500.00
WILMINGTON NC 28409 2 12/08/99 00
0411734627 05 02/01/00 0
0411734627 N 01/01/30
0
3079044 K08/G02 F 118,800.00 ZZ
360 118,800.00 1
5728 HIGHGROVE PLACE 8.875 945.23 80
8.625 945.23 148,500.00
WILMINGTON NC 28409 2 12/08/99 00
0411734841 05 02/01/00 0
0411734841 N 01/01/30
0
3079045 K08/G02 F 124,000.00 ZZ
360 124,000.00 1
5717 HIGHGROVE PLACE 8.875 986.60 78
8.625 986.60 161,000.00
WILMINGTON NC 28409 2 12/08/99 00
0411735020 05 02/01/00 0
0411735020 N 01/01/30
0
3079047 K08/G02 F 113,550.00 ZZ
360 113,550.00 4
3619 NORTHDALE PLACE 9.250 934.15 90
9.000 934.15 126,175.00
CINCINNATI OH 45213 1 12/08/99 04
0411739063 05 02/01/00 25
0411739063 N 01/01/30
0
3079048 K08/G02 F 75,600.00 ZZ
360 75,600.00 2
4771-73 EASTERN STREET 9.375 628.80 90
9.125 628.80 84,000.00
NEW ORLEANS LA 70122 1 12/08/99 04
0411739402 05 02/01/00 25
0411739402 N 01/01/30
0
3079824 E82/G02 F 88,000.00 ZZ
360 88,000.00 1
3106 WATCHILL AVENUE 9.375 731.94 58
9.125 731.94 154,000.00
1
MEDFORD NY 11763 5 12/13/99 00
0400243515 05 02/01/00 0
0400243515 N 01/01/30
0
3079825 E82/G02 F 150,000.00 ZZ
360 150,000.00 1
46 CROOKED PINE DRIVE 8.500 1,153.37 79
8.250 1,153.37 190,000.00
MEDFORD NY 11763 1 12/13/99 00
0400243531 05 02/01/00 0
0400243531 O 01/01/30
0
3080301 196/G02 F 155,000.00 ZZ
360 154,903.65 2
2947 W NELSON STREET 8.375 1,178.12 67
8.125 1,178.12 232,000.00
CHICAGO IL 60618 5 11/12/99 00
0431728237 05 01/01/00 0
1354193 O 12/01/29
0
3080417 601/G02 F 112,720.00 ZZ
360 112,653.46 4
7601 69TH AVENUE NORTH 8.625 876.72 80
8.375 876.72 140,900.00
BROOKLYN PARK MN 55428 1 11/29/99 00
0431709989 05 01/01/00 0
6014164 N 12/01/29
0
3080522 196/G02 F 144,000.00 ZZ
360 143,912.76 1
6660 JONQUIL WAY NORTH 8.500 1,107.24 80
8.250 1,107.24 180,000.00
MAPLE GROVE MN 55369 1 11/11/99 00
0431731652 05 01/01/00 0
1352651 O 12/01/29
0
3080544 601/G02 F 58,500.00 ZZ
360 58,471.23 1
9735 CORREGIDOR 9.500 491.90 90
9.250 491.90 65,000.00
WOODSON TERRACE MO 63134 1 11/29/99 01
0431714740 05 01/01/00 25
60142718 N 12/01/29
0
1
3080574 601/G02 F 104,000.00 ZZ
360 104,000.00 1
COUNTY RD #16 8.875 827.48 80
8.625 827.48 130,000.00
PEQUOT LAKE MN 56472 1 12/06/99 00
0431734540 05 02/01/00 0
60144557 O 01/01/30
0
3080631 196/G02 F 116,100.00 ZZ
360 116,033.20 2
3265-3267 DARROW ROAD 8.750 913.36 90
8.500 913.36 129,000.00
STOW OH 44224 1 11/08/99 10
0431728336 05 01/01/00 25
1350024 N 12/01/29
0
3080699 196/G02 F 60,000.00 ZZ
360 59,962.70 2
226 BRADLEY ST 8.375 456.05 80
8.125 456.05 75,500.00
MANKATO MN 56001 1 11/23/99 00
0431728898 05 01/01/00 0
1350569 O 12/01/29
0
3080758 664/G02 F 98,000.00 ZZ
360 98,000.00 1
3330 ESTRADA STREET 8.625 762.24 80
8.375 762.24 124,000.00
LOS ANGELES CA 90023 1 11/24/99 00
0431728070 05 02/01/00 0
0003291416 O 01/01/30
0
3080783 196/G02 F 45,500.00 T
360 45,474.49 1
611 OAKLAND HLLS COURT 8.875 362.02 70
#301 8.625 362.02 65,000.00
ARNOLD MD 21012 1 11/17/99 00
0431731660 05 01/01/00 0
1352656 O 12/01/29
0
3081093 E86/G02 F 240,000.00 ZZ
360 239,865.45 1
1
340 OLD BATTERY ROAD 8.875 1,909.55 80
8.625 1,909.55 300,000.00
BRIDGEPORT CT 06605 1 12/01/99 00
0431692730 05 01/01/00 0
50463 O 12/01/29
0
3081665 A35/G02 F 124,100.00 ZZ
360 123,928.64 1
1905 PLAZA DEL DIOS 7.875 899.81 75
7.625 899.81 167,500.00
LAS VEGAS NV 89102 1 10/06/99 00
0431693738 03 12/01/99 0
207 N 11/01/29
0
3082340 K08/G02 F 88,000.00 ZZ
360 88,000.00 2
88-90 ROSE STREET 9.500 739.95 80
9.250 739.95 110,000.00
BURLINGTON VT 05401 2 12/09/99 00
0411548878 05 02/01/00 0
0411548878 N 01/01/30
0
3082341 K08/G02 F 101,000.00 ZZ
360 101,000.00 2
55 MONMOUTH AVENUE 9.125 821.77 75
8.875 821.77 135,000.00
FREEHOLD NJ 07728 2 12/09/99 00
0411640600 05 02/01/00 0
0411640600 N 01/01/30
0
3082346 K08/G02 F 94,500.00 ZZ
360 94,500.00 1
3651 WYCKLIFFE PARKWAY 9.500 794.61 90
9.250 794.61 105,000.00
TOLEDO OH 43613 1 12/09/99 04
0411706047 05 02/01/00 25
0411706047 N 01/01/30
0
3082348 K08/G02 F 84,000.00 ZZ
360 83,947.79 1
4649 EAST 52ND PLACE 8.375 638.46 80
8.125 638.46 105,000.00
MAYWOOD CA 90270 1 12/01/99 00
0411711823 05 01/01/00 0
1
0411711823 O 12/01/29
0
3082350 K08/G02 F 46,400.00 ZZ
360 46,400.00 1
4518 FOREST AVENUE 9.125 377.53 80
8.875 377.53 58,000.00
KANSAS CITY MO 64110 5 12/09/99 00
0411716186 05 02/01/00 0
0411716186 N 01/01/30
0
3082353 K08/G02 F 83,750.00 ZZ
360 83,750.00 2
689-691 LANTANA DRIVE 8.875 666.35 80
8.625 666.35 104,700.00
KELLER TX 76248 1 12/06/99 00
0411723091 05 02/01/00 0
0411723091 N 01/01/30
0
3082354 K08/G02 F 104,500.00 ZZ
360 104,500.00 2
7233 S SANGAMON 9.375 869.18 95
9.125 869.18 110,000.00
CHICAGO IL 60620 1 12/09/99 04
0411727530 05 02/01/00 30
0411727530 O 01/01/30
0
3082358 K08/G02 F 126,000.00 ZZ
360 126,000.00 1
4257 LEDGESTONE 9.250 1,036.57 90
9.000 1,036.57 141,400.00
WATERFORD TWP. MI 48329 1 12/09/99 04
0411735244 05 02/01/00 25
0411735244 O 01/01/30
0
3082359 K08/G02 F 100,000.00 ZZ
360 100,000.00 1
1816 BEAR CREEK RD 8.625 777.79 80
8.375 777.79 125,000.00
EARLHAM IA 50072 5 12/09/99 00
0411735368 05 02/01/00 0
0411735368 N 01/01/30
0
1
3082360 K08/G02 F 89,500.00 ZZ
360 89,500.00 1
8203 SPRING VALLEY DRIVE 8.625 696.12 75
8.375 696.12 119,500.00
AUSTIN TX 78736 5 12/03/99 00
0411736630 05 02/01/00 0
0411736630 O 01/01/30
0
3082893 196/G02 F 49,500.00 ZZ
360 49,470.77 2
3922-3924 15TH AVENUE 8.625 385.01 90
8.375 385.01 55,000.00
ROCK ISLAND IL 61201 1 11/12/99 10
0431726058 05 01/01/00 25
1351054 N 12/01/29
0
3083018 196/G02 F 147,000.00 ZZ
360 146,915.43 1
4513 FAIRGROUND ROAD 8.750 1,156.45 72
8.500 1,156.45 206,000.00
ATWATER OH 44201 5 11/05/99 00
0431727221 05 01/01/00 0
1350503 O 12/01/29
0
3083100 196/G02 F 234,000.00 ZZ
360 233,872.18 1
14 FOREST AVENUE 9.000 1,882.82 90
8.750 1,882.82 260,000.00
RIVER FOREST IL 60305 1 11/18/99 10
0431725647 05 01/01/00 25
1354536 N 12/01/29
0
3083135 196/G02 F 74,000.00 ZZ
360 73,905.30 1
205 MESCALERO ROAD NW 8.250 555.94 79
8.000 555.94 94,000.00
ALBUQUERQUE NM 87107 2 10/28/99 00
0431728146 05 12/01/99 0
1352920 N 11/01/29
0
3083175 196/G02 F 227,500.00 ZZ
360 227,362.18 1
6290 NORTH 31ST WAY 8.500 1,749.28 65
8.250 1,749.28 350,000.00
1
PHOENIX AZ 85016 5 11/17/99 00
0431728096 03 01/01/00 0
1353200 O 12/01/29
0
3083255 196/G02 F 144,900.00 ZZ
360 144,816.63 1
522 WEST HAYES 8.750 1,139.93 90
8.500 1,139.93 161,000.00
BOZEMAN MT 59715 1 11/12/99 14
0431725373 05 01/01/00 30
1352050 N 12/01/29
0
3083883 975/G02 F 168,750.00 ZZ
360 168,750.00 1
130 SOUTH RUSSELL AVENUE 8.375 1,282.62 75
8.125 1,282.62 225,000.00
MONTEREY PARK CA 91755 5 12/06/99 00
0431714591 05 02/01/00 0
993095 O 01/01/30
0
3084095 196/G02 F 92,250.00 ZZ
360 92,194.11 3
432 SOUTH HALL STREET 8.500 709.33 80
8.250 709.33 115,500.00
MESA AZ 85204 1 11/10/99 01
0431742204 05 01/01/00 25
1352172 N 12/01/29
0
3084248 562/G02 F 287,100.00 ZZ
360 287,100.00 4
71 JEFFERSON AVENUE 9.500 2,414.10 90
9.250 2,414.10 319,000.00
BROOKLYN NY 11216 1 12/10/99 04
0431699941 05 02/01/00 25
631551 O 01/01/30
0
3084338 A75/G02 F 71,500.00 ZZ
360 71,500.00 2
110 MAGNOLIA TRAIL 9.125 581.75 59
8.875 581.75 121,500.00
HAMPTON GA 30228 2 12/09/99 00
0431699438 05 02/01/00 0
1000021509 N 01/01/30
0
1
3085001 K08/G02 F 109,800.00 ZZ
360 109,800.00 2
2614 ELISHA 9.500 923.26 90
9.250 923.26 122,000.00
ZION IL 60099 1 12/10/99 04
0411676364 05 02/01/00 25
0411676364 N 01/01/30
0
3085003 K08/G02 F 220,500.00 ZZ
360 220,500.00 1
2403 SKYVIEW DRIVE 9.375 1,834.01 70
9.125 1,834.01 315,000.00
RICHARDSON TX 75080 5 12/03/99 00
0411684277 05 02/01/00 0
0411684277 O 01/01/30
0
3085005 K08/G02 F 183,450.00 ZZ
360 183,341.69 1
3009 OSAGE LANE 8.625 1,426.86 80
8.375 1,426.86 229,340.00
DENTON TX 76205 1 12/08/99 00
0411687635 05 01/01/00 0
0411687635 O 12/01/29
0
3085014 K08/G02 F 85,600.00 ZZ
360 85,600.00 1
9835 KESSLER 8.500 658.19 80
8.250 658.19 107,000.00
SAGINAW MI 48609 1 12/10/99 00
0411714496 05 02/01/00 0
0411714496 O 01/01/30
0
3085019 K08/G02 F 143,000.00 ZZ
360 143,000.00 1
2611 COOLIDGE STREET 8.875 1,137.77 90
8.625 1,137.77 158,900.00
HOLLYWOOD FL 33020 1 12/10/99 01
0411732480 05 02/01/00 25
0411732480 O 01/01/30
0
3085020 K08/G02 F 58,500.00 ZZ
360 58,500.00 1
1
769 NE 38TH STREET 9.250 481.27 90
9.000 481.27 65,000.00
OAKLAND PARK FL 33334 1 12/10/99 01
0411733157 05 02/01/00 25
0411733157 O 01/01/30
0
3085021 K08/G02 F 86,250.00 ZZ
360 86,250.00 1
311 APPLEWHITE DRIVE 8.875 686.24 76
8.625 686.24 114,000.00
KATY TX 77450 2 12/07/99 00
0411733637 03 02/01/00 0
0411733637 N 01/01/30
0
3085022 K08/G02 F 64,700.00 ZZ
360 64,700.00 1
12502 LA MANANA 9.000 520.59 90
8.750 520.59 71,900.00
SAN ANTONIO TX 78233 1 12/09/99 04
0411725756 05 02/01/00 25
0411735756 N 01/01/30
0
3085023 K08/G02 F 148,800.00 ZZ
360 148,800.00 2
3409 CEDAR STREET 7.875 1,078.90 80
7.625 1,078.90 186,000.00
AUSTIN TX 78705 1 12/10/99 00
0411737596 05 02/01/00 0
0411737596 O 01/01/30
0
3085027 K08/G02 F 110,000.00 ZZ
360 110,000.00 1
1244 STRIEFF 8.500 845.80 80
8.250 845.80 137,500.00
FLOSSMOOR IL 60422 1 12/10/99 00
0411745102 05 02/01/00 0
0411745102 O 01/01/30
0
3085028 K08/G02 F 96,100.00 ZZ
360 96,100.00 1
863 BERKINSHIRE DRIVE 9.125 781.90 90
8.875 781.90 106,800.00
DALLAS TX 75218 1 12/10/99 01
0411746332 05 02/01/00 25
1
0411746332 N 01/01/30
0
3085029 K08/G02 F 132,800.00 ZZ
360 132,800.00 4
408 LAKE CREEK CIRCLE 9.625 1,128.79 80
9.375 1,128.79 166,000.00
ROUND ROCK TX 78664 5 12/10/99 00
0411746787 05 02/01/00 0
0411746787 N 01/01/30
0
3085030 K08/G02 F 132,800.00 ZZ
360 132,800.00 4
309 LAKE CREEK CIRCLE 9.625 1,128.79 80
9.375 1,128.79 166,000.00
ROUND ROCK TX 78664 5 12/10/99 00
0411747884 05 02/01/00 0
0411747884 N 01/01/30
0
3085362 E82/G02 F 100,000.00 ZZ
360 100,000.00 1
115 NORTH FAIRFIELD DRIVE 8.500 768.91 65
8.250 768.91 154,000.00
DOVER DE 19901 5 12/10/99 00
0400242640 05 02/01/00 0
040024264 O 01/01/30
0
3085365 E82/G02 F 109,500.00 ZZ
360 109,500.00 1
1318 ALLENTON ROAD 8.750 861.44 77
8.500 861.44 143,500.00
LUMBERTON NC 28358 2 12/06/99 00
0400241147 05 02/01/00 0
0400241147 O 01/01/30
0
3085366 E82/G02 F 80,150.00 ZZ
360 80,150.00 2
671 SPRUCE STREET & 742 ALEXAN 9.000 644.91 67
8.750 644.91 120,000.00
ROSENHAYN NJ 08352 1 12/15/99 00
0400241907 05 02/01/00 0
0400241907 O 01/01/30
0
1
3085421 168/168 F 200,000.00 ZZ
360 200,000.00 2
30 SOUTH LONG BEACH ROAD 9.000 1,609.25 80
8.750 1,609.25 250,000.00
ROCKVILLE CENTR NY 11570 1 12/08/99 00
189531266 05 02/01/00 0
189531266 O 01/01/30
0
3086434 637/G02 F 65,000.00 ZZ
360 64,955.26 1
25107 MAIN STREET 7.875 471.30 44
7.625 471.30 150,000.00
CAPAY CA 95707 5 11/30/99 00
0431707116 05 01/01/00 0
0016159824 O 12/01/29
0
3086503 196/G02 F 34,800.00 ZZ
360 34,779.45 4
2503-05 6TH AVENUE 8.625 270.68 80
8.375 270.68 43,500.00
MOLINE IL 61265 1 11/05/99 00
0431724814 05 01/01/00 0
1351987 N 12/01/29
0
3086542 196/G02 F 92,250.00 ZZ
360 92,194.11 3
422 SOUTH HALL STREET 8.500 709.33 90
8.250 709.33 102,500.00
MESA AZ 85204 1 11/10/99 01
0431726363 05 01/01/00 25
1352167 N 12/01/29
0
3086551 637/G02 F 60,000.00 ZZ
360 59,964.57 1
3517 EAST WEBB AVENUE 8.625 466.68 80
8.375 466.68 75,000.00
NORTH LAS VEGAS NV 89030 1 11/20/99 00
0431734557 05 01/01/00 0
0015330962 N 12/01/29
0
3086602 A75/G02 F 76,100.00 ZZ
360 76,100.00 2
134 MAGNOLIA TRAIL 9.125 619.18 63
8.875 619.18 121,500.00
1
HAMPTON GA 30228 2 12/09/99 00
0431704006 05 02/01/00 0
1000021046 N 01/01/30
0
3086611 196/G02 F 87,750.00 ZZ
360 87,696.83 3
440 SOUTH HALL STREET 8.500 674.73 90
8.250 674.73 97,500.00
MESA AZ 85204 1 11/10/99 01
0431729151 05 01/01/00 25
1352160 N 12/01/29
0
3086767 H93/G02 F 45,900.00 ZZ
360 45,874.93 1
2410 W LYDIA 9.000 369.32 90
8.750 369.32 51,000.00
WICHITA KS 67213 2 12/01/99 04
0431724582 05 01/01/00 25
9985986 N 12/01/29
0
3086832 196/G02 F 99,000.00 ZZ
360 98,948.67 4
818 RUSSELL PLACE 9.250 814.45 90
9.000 814.45 110,000.00
SAN ANTONIO TX 78212 1 11/16/99 10
0431729060 05 01/01/00 25
1346408 N 12/01/29
0
3086998 665/G02 F 115,000.00 ZZ
360 114,852.83 1
4251 SEA PINES COURT 8.250 863.96 46
8.000 863.96 253,000.00
CAPITOLA CA 95010 1 10/06/99 00
0431703446 01 12/01/99 0
9901232898 N 11/01/29
0
3087724 K08/G02 F 66,000.00 ZZ
240 66,000.00 1
80 OAKLAND AVENUE 8.500 572.76 48
8.250 572.76 139,000.00
METHUEN MA 01844 5 12/07/99 00
0411695992 05 02/01/00 0
0411695992 O 01/01/20
0
1
3087728 K08/G02 F 126,000.00 ZZ
360 126,000.00 1
3085 LONG GROVE LANE 9.625 1,070.99 90
9.375 1,070.99 140,000.00
AURORA IL 60504 2 12/13/99 01
0411702525 05 02/01/00 25
0411702525 N 01/01/30
0
3087730 K08/G02 F 75,600.00 ZZ
360 75,600.00 4
39 MAIN STREET 9.625 642.59 90
9.375 642.59 84,000.00
THOMPSON CT 06277 1 12/13/99 10
0411708498 05 02/01/00 25
0411708498 N 01/01/30
0
3087731 K08/G02 F 80,000.00 ZZ
360 80,000.00 1
6450 COLLINS AVENUE UNIT #1501 8.875 636.52 57
8.625 636.52 141,500.00
MIAMI BEACH FL 33140 1 12/13/99 00
0411708811 06 02/01/00 0
0411708811 O 01/01/30
0
3087737 K08/G02 F 112,000.00 ZZ
360 112,000.00 1
1647 SIXTEENTH STREET 8.500 861.18 79
8.250 861.18 143,000.00
LOS OSOS CA 93402 5 12/02/99 00
0411719909 05 02/01/00 0
0411719909 N 01/01/30
0
3087740 K08/G02 F 103,000.00 ZZ
360 103,000.00 1
103 CHRIS HOOVER CIRCLE 8.500 791.98 80
8.250 791.98 130,000.00
HARVEST AL 35749 5 12/08/99 00
0411727829 05 02/01/00 0
0411727829 O 01/01/30
0
3087741 K08/G02 F 81,000.00 ZZ
360 81,000.00 1
1
1814 UPTON AVE. NORTH 8.375 615.66 90
8.125 615.66 90,000.00
MINNEAPOLIS MN 55411 5 12/07/99 10
0411729866 05 02/01/00 25
0411729866 O 01/01/30
0
3087742 K08/G02 F 30,400.00 ZZ
360 30,400.00 1
1045 SHOOK AVENUE UNIT D-115 9.500 255.62 95
9.250 255.62 32,000.00
OLMOS PARK TX 78212 1 12/10/99 04
0411732852 01 02/01/00 30
0411732852 O 01/01/30
0
3087744 K08/G02 F 62,700.00 ZZ
360 62,700.00 1
7412 SPARTA AVENUE SOUTH 8.875 498.87 95
8.625 498.87 66,000.00
BIRMINGHAM AL 35206 5 12/08/99 14
0411734437 05 02/01/00 30
0411734437 O 01/01/30
0
3087745 K08/G02 F 40,500.00 ZZ
360 40,500.00 1
2402 32ND STREET 9.875 351.68 90
9.625 351.68 45,000.00
LUBBOCK TX 79411 1 12/13/99 01
0411736705 05 02/01/00 25
0411736705 N 01/01/30
0
3087885 E82/G02 F 57,400.00 ZZ
360 57,400.00 1
625 EAST MAIN STREET 9.625 487.89 70
9.375 487.89 82,000.00
ANNVILLE PA 17003 1 12/15/99 00
0400246203 05 02/01/00 0
0400246203 N 01/01/30
0
3089013 811/G02 F 74,250.00 T
360 74,250.00 1
532 DYCKMAN AVE #15 8.875 590.77 75
8.625 590.77 99,000.00
SOUTH HAVEN MI 49090 1 12/08/99 00
0431720408 01 02/01/00 0
1
80037733 O 01/01/30
0
3089634 737/G02 F 85,950.00 ZZ
360 85,950.00 1
206 LAKEVIEW DRIVE 8.750 676.17 90
8.500 676.17 95,500.00
SYLVESTER GA 31791 1 12/07/99 10
0431734565 05 02/01/00 25
2000062 O 01/01/30
0
3089714 737/G02 F 230,000.00 ZZ
360 230,000.00 1
242 POWERS COVE 8.500 1,768.50 45
8.250 1,768.50 519,821.00
MARIETTA GA 30067 1 12/07/99 00
0431720614 03 02/01/00 0
2000262 O 01/01/30
0
3090419 K08/G02 F 53,000.00 ZZ
360 53,000.00 1
25675 LAHSER RD 8.750 416.95 90
APT # 8 8.500 416.95 58,900.00
SOUTHFIELD MI 48034 1 12/14/99 04
0411676554 01 02/01/00 25
0411676554 O 01/01/30
0
3090421 K08/G02 F 226,000.00 ZZ
360 226,000.00 4
101-107 S. PENNSYLVANIA STREET 9.000 1,818.45 77
8.750 1,818.45 295,000.00
DENVER CO 80209 5 12/09/99 00
0411684780 05 02/01/00 0
0411684780 O 01/01/30
0
3090423 K08/G02 F 82,000.00 ZZ
360 82,000.00 4
720-22 LYONS STREET 9.250 674.59 44
9.000 674.59 190,000.00
NEW ORLEANS LA 70115 5 12/07/99 00
0411702111 05 02/01/00 0
0411702111 O 01/01/30
0
1
3090425 K08/G02 F 73,800.00 ZZ
360 73,800.00 3
147-149 FLATBUSH AVENUE 9.625 627.29 90
9.375 627.29 82,000.00
HARTFORD CT 06106 1 12/14/99 04
0411706773 05 02/01/00 25
0411706773 N 01/01/30
0
3090429 K08/G02 F 133,200.00 ZZ
360 133,200.00 4
236 WENONAH PLACE 9.500 1,120.02 80
9.250 1,120.02 166,500.00
WEST PALM BEACH FL 33405 1 12/14/99 00
0411722952 05 02/01/00 0
0411722952 N 01/01/30
0
3090430 K08/G02 F 45,000.00 ZZ
360 45,000.00 1
4106 STERLING STREET 9.500 378.38 79
9.250 378.38 57,000.00
FLINT MI 48504 5 12/14/99 00
0411723679 05 02/01/00 0
0411723679 N 01/01/30
0
3090433 K08/G02 F 37,600.00 ZZ
360 37,600.00 1
3761 BOUNDARY STREET 9.250 309.33 80
UNIT #15 9.000 309.33 47,000.00
SAN DIEGO CA 92104 1 12/13/99 00
0411730286 01 02/01/00 0
0411730286 O 01/01/30
0
3090435 K08/G02 F 44,100.00 ZZ
360 44,100.00 2
712 COTTAGE GROVE 9.875 382.94 90
9.625 382.94 49,000.00
SOUTH BEND IN 46616 1 12/14/99 04
0411730732 05 02/01/00 25
0411730732 N 01/01/30
0
3090444 K08/G02 F 136,400.00 ZZ
360 136,400.00 1
76 JUNIPER ROAD 8.500 1,048.80 80
8.250 1,048.80 170,500.00
1
PLACITAS NM 87043 1 12/13/99 00
0411743263 03 02/01/00 0
0411743263 O 01/01/30
0
3090445 K08/G02 F 84,000.00 ZZ
360 84,000.00 1
522 THOMAS STREET 9.125 683.45 80
8.875 683.45 105,000.00
PILOT POINT TX 76258 5 12/09/99 00
0411743685 05 02/01/00 0
0411743685 O 01/01/30
0
3090584 E82/G02 F 133,000.00 ZZ
360 133,000.00 1
803 EMILY DRIVE 8.250 999.18 79
8.000 999.18 170,000.00
GOODLETTSVILLE TN 37072 1 12/16/99 00
0400246849 05 02/01/00 0
0400246849 O 01/01/30
0
3091327 196/G02 F 68,400.00 ZZ
360 68,361.64 1
659 WOODSIDE DRIVE 8.875 544.23 90
8.625 544.23 76,000.00
KENT OH 44240 1 11/30/99 10
0431726181 05 01/01/00 25
1352793 N 12/01/29
0
3092031 K15/G02 F 57,000.00 ZZ
360 56,971.96 1
4975 NW 180 TERRACE 9.500 479.29 60
9.250 479.29 95,000.00
MIAMI FL 33055 1 12/01/99 00
0431734748 05 01/01/00 0
3004240 O 12/01/29
0
3092428 811/G02 F 232,000.00 ZZ
360 232,000.00 1
23 SOUTH NINETEENTH STREET 8.375 1,763.37 80
8.125 1,763.37 290,000.00
SAN JOSE CA 95116 1 12/07/99 00
0431719657 05 02/01/00 0
02214208 O 01/01/30
0
1
3092446 637/G02 F 207,000.00 ZZ
360 207,000.00 1
51 GIBBON STREET 8.875 1,646.99 90
8.625 1,646.99 230,000.00
MARLBOROUGH MA 02472 1 12/03/99 14
0431740414 05 02/01/00 25
00187956909 O 01/01/30
0
3093082 K08/G02 F 71,250.00 ZZ
360 71,250.00 1
1250 SOUTH BROOKHURST STREET 9.250 586.16 75
UNIT 2063 9.000 586.16 95,000.00
ANAHEIM CA 92804 1 12/08/99 00
0411702954 01 02/01/00 0
0411702954 N 01/01/30
0
3093086 K08/G02 F 51,750.00 ZZ
360 51,750.00 2
512 TRUMBULL AV 9.875 449.37 90
9.625 449.37 57,500.00
GIRARD OH 44420 1 12/15/99 04
0411714157 05 02/01/00 25
0411714157 N 01/01/30
0
3093087 K08/G02 F 240,000.00 ZZ
360 240,000.00 4
70 ABBETT AVENUE 8.750 1,888.08 90
8.500 1,888.08 268,000.00
MORRISTOWN NJ 07960 1 12/15/99 04
0411714611 05 02/01/00 25
0411714611 N 01/01/30
0
3093096 K08/G02 F 140,800.00 ZZ
360 140,800.00 1
6401 CALHOUN 8.625 1,095.13 80
8.375 1,095.13 176,000.00
DEARBORN MI 48126 5 12/10/99 00
0411730831 05 02/01/00 0
0411730831 O 01/01/30
0
3093098 K08/G02 F 185,400.00 ZZ
360 185,400.00 1
1
2224 WESTMINSTER AVENUE 8.875 1,475.13 90
8.625 1,475.13 206,000.00
ALHAMBRA CA 91803 1 12/06/99 11
0411732647 05 02/01/00 25
0411732647 O 01/01/30
0
3093100 K08/G02 F 58,500.00 ZZ
360 58,500.00 1
710 N. MURRAY ST. 8.750 460.22 90
8.500 460.22 65,000.00
SPRINGFIELD OH 45503 5 12/10/99 04
0411736838 05 02/01/00 25
0411736838 O 01/01/30
0
3093103 K08/G02 F 92,800.00 ZZ
360 92,800.00 1
1470 BUTLER MILL HOLLOW ROAD 8.875 738.36 80
8.625 738.36 116,000.00
BETHPAGE TN 37022 5 12/10/99 00
0411738909 05 02/01/00 0
0411738909 O 01/01/30
0
3093105 K08/G02 F 142,100.00 ZZ
360 142,100.00 1
5049 MESAVIEW DRIVE 8.875 1,130.61 75
8.625 1,130.61 189,500.00
LAS VEGAS NV 89120 1 12/08/99 00
0411742067 05 02/01/00 0
0411742067 O 01/01/30
0
3093109 K08/G02 F 54,000.00 ZZ
240 54,000.00 1
48 BIRD HUNTER TRAIL 8.500 468.62 80
8.250 468.62 67,500.00
CLAYTON GA 30525 1 12/14/99 00
0411748171 05 02/01/00 0
0411748171 O 01/01/20
0
3093111 K08/G02 F 52,700.00 ZZ
360 52,700.00 1
837 SUNDOWN TRAIL 8.875 419.30 90
8.625 419.30 58,600.00
BURLESON TX 76028 1 12/14/99 10
0411755291 05 02/01/00 25
1
0411755291 N 01/01/30
0
3093225 696/G02 F 135,000.00 ZZ
360 135,000.00 1
8902 PENNSYLVANIA AVENUE 8.500 1,038.03 75
8.250 1,038.03 180,000.00
SILVER SPRING MD 20910 5 12/13/99 00
0431714393 05 02/01/00 0
32999213 O 01/01/30
0
3093236 E82/G02 F 40,500.00 ZZ
360 40,500.00 1
7975 MARGATE BOULEVARD 9.750 347.96 90
9.500 347.96 45,000.00
MARGATE FL 33063 1 12/17/99 04
0400241501 01 02/01/00 25
0400241501 O 01/01/30
0
3093804 196/G02 F 88,600.00 ZZ
360 88,600.00 1
1054 W GRANVILLE AVENUE 9.125 720.88 90
#26 8.875 720.88 99,000.00
CHICAGO IL 60660 1 12/03/99 10
0431728641 01 02/01/00 25
1351547 O 01/01/30
0
3093966 664/G02 F 129,600.00 ZZ
360 129,600.00 2
1926 ROCKEFELLER AVENUE 9.500 1,089.75 90
9.250 1,089.75 144,000.00
EVERETT WA 98201 1 12/03/99 11
0431714567 05 02/01/00 25
0003016375 N 01/01/30
0
3094118 J83/G02 F 122,400.00 ZZ
360 122,331.38 1
19835 TIPPETT ROAD 8.875 973.87 90
8.625 973.87 136,000.00
LEXINGTON PARK MD 20653 1 11/30/99 19
0431722818 05 01/01/00 25
283527 N 12/01/29
0
1
3094178 455/G02 F 162,000.00 ZZ
360 162,000.00 1
5644 ORCHARD PLACE CROSSING 8.500 1,245.64 80
8.250 1,245.64 203,000.00
LILBURN GA 30047 1 12/16/99 00
0431719889 03 02/01/00 0
09000132 O 01/01/30
0
3095396 K08/G02 F 123,000.00 ZZ
360 123,000.00 1
NNA COUNTY ROAD 21E 8.500 945.76 80
8.250 945.76 154,000.00
BONNERS FERRY ID 83805 2 12/06/99 00
0411658123 27 02/01/00 0
0411658123 O 01/01/30
0
3095397 K08/G02 F 138,700.00 ZZ
360 138,700.00 1
4752 CAPE HOPE PASS 8.000 1,017.73 80
7.750 1,017.73 173,417.00
HERMTAGE TN 37076 1 12/16/99 00
0411665672 05 02/01/00 0
0411665672 O 01/01/30
0
3095402 K08/G02 F 108,700.00 ZZ
360 108,700.00 1
193 BUNDY STREET 8.500 835.81 80
8.250 835.81 135,900.00
HENDERSON NV 89014 1 12/13/99 00
0411709785 09 02/01/00 0
0411709785 O 01/01/30
0
3095404 K08/G02 F 216,000.00 ZZ
360 216,000.00 4
3009 E FRANKLIN AV 9.000 1,737.98 90
8.750 1,737.98 240,000.00
MINNEAPOLIS MN 55414 1 12/16/99 04
0411715147 05 02/01/00 25
0411715147 N 01/01/30
0
3095406 K08/G02 F 268,200.00 ZZ
360 268,200.00 4
3531 S LYNDALE AV 9.375 2,230.75 90
9.125 2,230.75 298,000.00
1
MINNEAPOLIS MN 55408 1 12/16/99 01
0411720642 05 02/01/00 25
0411720642 N 01/01/30
0
3095407 K08/G02 F 69,250.00 ZZ
360 69,250.00 1
1458 NE 179 STREET 8.750 544.79 78
8.500 544.79 89,250.00
NORTH MIAMI BEA FL 33162 1 12/16/99 00
0411722606 05 02/01/00 0
0411722606 O 01/01/30
0
3095410 K08/G02 F 130,000.00 ZZ
360 130,000.00 2
66 MONROE STREET 8.625 1,011.13 60
8.375 1,011.13 220,000.00
NORWOOD MA 02062 1 12/16/99 00
0411732258 05 02/01/00 0
0411732258 O 01/01/30
0
3095415 K08/G02 F 185,000.00 ZZ
360 185,000.00 1
1301 W. WASHINGTON BLVD. 9.125 1,505.22 95
8.875 1,505.22 194,900.00
CHICAGO IL 60607 1 12/16/99 10
0411737554 08 02/01/00 30
0411737554 O 01/01/30
0
3095417 K08/G02 F 65,300.00 ZZ
360 65,300.00 2
1600 AND 1602 LANSING AVE 8.750 513.72 80
8.500 513.72 81,625.00
CALDWELL ID 83605 2 12/14/99 00
0411740756 05 02/01/00 0
0411740756 N 01/01/30
0
3095425 K08/G02 F 108,000.00 ZZ
360 108,000.00 1
512 N BAY COLONY DRIVE 8.625 840.01 80
8.375 840.01 135,000.00
JUNO BEACH FL 33408 1 12/16/99 00
0411749195 01 02/01/00 0
0411749195 O 01/01/30
0
1
3095589 E82/G02 F 180,000.00 ZZ
360 180,000.00 1
1100 WEST 43RD STREET 8.625 1,400.02 80
8.375 1,400.02 225,000.00
RICHMOND VA 23225 1 12/20/99 00
0400248233 05 02/01/00 0
0400248233 O 01/01/30
0
3095591 E82/G02 F 150,000.00 ZZ
360 150,000.00 1
4767 CASTANA DRIVE 8.250 1,126.90 73
8.000 1,126.90 206,000.00
CAMERON PARK CA 95682 5 12/13/99 00
0400245114 05 02/01/00 0
0400245114 O 01/01/30
0
3096350 601/G02 F 135,000.00 ZZ
360 134,933.59 1
908 PRESTON ROAD 9.500 1,135.16 90
9.250 1,135.16 150,000.00
JAMES ISLAND SC 29422 1 11/24/99 11
0431720770 05 01/01/00 25
60140993 O 12/01/29
0
3096791 G52/G02 F 47,400.00 ZZ
360 47,400.00 1
4524 WEST JUPITER STREET 9.000 381.39 60
8.750 381.39 79,800.00
TUCSON AZ 85741 1 12/14/99 00
0431734995 05 02/01/00 0
77000540 N 01/01/30
0
3096969 163/G02 F 150,000.00 ZZ
360 149,913.70 1
439 WAVERLY AVENUE 8.750 1,180.05 89
8.500 1,180.05 168,750.00
BROOKLYN NY 11238 1 11/23/99 10
0431740752 07 01/01/00 25
0373933404 N 12/01/29
0
3096996 664/G02 F 148,200.00 ZZ
360 148,200.00 1
1
10065 OLIVE STREET 8.500 1,139.53 65
8.250 1,139.53 228,000.00
TEMPLE CITY CA 91780 5 12/01/99 00
0431721232 05 02/01/00 0
0003294865 O 01/01/30
0
3097453 196/G02 F 47,250.00 ZZ
360 47,225.50 1
123 CRAIN AVENUE 9.250 388.72 90
9.000 388.72 52,500.00
KENT OH 44240 1 11/30/99 10
0431725902 05 01/01/00 25
1352693 N 12/01/29
0
3097496 196/G02 F 221,350.00 ZZ
360 221,350.00 4
2355 N MOODY AVENUE 9.000 1,781.04 95
8.750 1,781.04 233,000.00
CHICAGO IL 60639 1 12/03/99 10
0431727031 05 02/01/00 30
1355360 O 01/01/30
0
3097772 K08/G02 F 81,000.00 ZZ
360 81,000.00 3
73 MONTAUK AVENUE 9.750 695.92 90
9.500 695.92 90,000.00
NEW LONDON CT 06320 1 12/17/99 10
0411662117 05 02/01/00 25
0411662117 N 01/01/30
0
3097773 K08/G02 F 39,950.00 ZZ
360 39,950.00 2
2337-39 URSULINES AVENUE 9.500 335.92 85
9.250 335.92 47,000.00
NEW ORLEANS LA 70119 1 12/17/99 04
0411682610 05 02/01/00 20
0411682610 N 01/01/30
0
3097780 K08/G02 F 31,400.00 ZZ
360 31,400.00 1
128 RIVER STREET 9.750 269.77 90
9.500 269.77 34,900.00
STANDISH MI 48658 1 12/17/99 04
0411710296 05 02/01/00 25
1
0411710296 N 01/01/30
0
3097781 K08/G02 F 84,000.00 ZZ
360 84,000.00 1
234 TEAKWOOD DRIVE 8.625 653.34 80
8.375 653.34 105,100.00
BERKELEY TOWNSH NJ 08721 1 12/17/99 00
0411712839 05 02/01/00 0
0411712839 O 01/01/30
0
3097782 K08/G02 F 129,200.00 ZZ
360 129,200.00 1
3436 COLUMBIA COURT 9.500 1,086.38 95
9.250 1,086.38 136,000.00
DECATUR GA 30032 5 12/01/99 10
0411715634 05 02/01/00 30
0411715634 O 01/01/30
0
3097785 K08/G02 F 85,000.00 ZZ
360 85,000.00 3
45 WILLIS STREET 9.500 714.73 78
9.250 714.73 110,000.00
BRISTOL CT 06010 2 12/17/99 00
0411722838 05 02/01/00 0
0411722838 N 01/01/30
0
3097787 K08/G02 F 30,600.00 ZZ
360 30,600.00 1
1588 MAIN STREET 9.000 246.21 90
UNIT # 8 8.750 246.21 34,000.00
WEST WARWICK RI 02893 1 12/17/99 04
0411723638 01 02/01/00 25
0411723638 N 01/01/30
0
3097788 K08/G02 F 73,800.00 ZZ
360 73,800.00 1
31 HENDERSON STREET 9.375 613.83 90
9.125 613.83 82,000.00
BRISTOL CT 06010 1 12/17/99 10
0411724420 05 02/01/00 25
0411724420 N 01/01/30
0
1
3097789 K08/G02 F 207,000.00 ZZ
360 207,000.00 1
6361 TURTLEMOUND ROAD 8.625 1,610.02 90
8.375 1,610.02 230,000.00
NEW SMYRNA BEAC FL 32169 1 12/15/99 01
0411725054 05 02/01/00 25
0411725054 O 01/01/30
0
3097790 K08/G02 F 140,000.00 ZZ
360 140,000.00 1
3935 OAK KNOLL RD. 9.250 1,151.75 90
9.000 1,151.75 156,000.00
WATERFORD MI 48328 1 12/17/99 10
0411726276 05 02/01/00 25
0411726276 O 01/01/30
0
3097791 K08/G02 F 80,000.00 ZZ
360 80,000.00 1
6215 SW 20 COURT 8.875 636.52 90
8.625 636.52 89,000.00
MIRAMAR FL 33023 5 12/13/99 10
0411729247 05 02/01/00 25
0411729247 O 01/01/30
0
3097794 K08/G02 F 25,000.00 ZZ
360 25,000.00 1
2641 WEST GATELY DRIVE 9.875 217.09 46
9.625 217.09 55,000.00
WEST PALM BEACH FL 33425 1 12/17/99 00
0411731946 01 02/01/00 0
0411731946 O 01/01/30
0
3097799 K08/G02 F 69,300.00 ZZ
360 69,300.00 1
8202 NATCHEZ STREET 8.875 551.38 90
8.625 551.38 77,000.00
TAMPA FL 33637 5 12/13/99 10
0411734718 05 02/01/00 25
0411734718 O 01/01/30
0
3097800 K08/G02 F 25,600.00 ZZ
360 25,600.00 1
3116 SPRUCE 9.875 222.30 80
9.625 222.30 32,000.00
1
INKSTER MI 48141 1 12/17/99 00
0411734833 05 02/01/00 0
0411734833 N 01/01/30
0
3097801 K08/G02 F 103,500.00 ZZ
360 103,500.00 1
22918 EDGEWOOD ST 9.625 879.74 90
9.375 879.74 115,000.00
ST CLAIR SHORES MI 48080 1 12/17/99 01
0411735541 05 02/01/00 25
0411735541 O 01/01/30
0
3097813 K08/G02 F 92,000.00 ZZ
360 92,000.00 1
129 PALMETTO LANE 9.500 773.59 80
9.250 773.59 115,000.00
LARGO FL 33770 1 12/17/99 00
0411748593 03 02/01/00 0
0411748593 N 01/01/30
0
3097814 K08/G02 F 112,850.00 ZZ
360 112,850.00 1
7038 18TH AVE. S 9.250 928.39 80
9.000 928.39 141,110.00
RICHFIELD MN 55423 1 12/17/99 00
0411748858 05 02/01/00 0
0411748858 N 01/01/30
0
3097815 K08/G02 F 62,550.00 ZZ
360 62,550.00 1
76222 23RD STREET 9.500 525.95 90
9.250 525.95 69,500.00
PORTER TOWNSHIP MI 49001 1 12/17/99 01
0411750490 05 02/01/00 25
0411750490 O 01/01/30
0
3097816 K08/G02 F 149,800.00 ZZ
360 149,800.00 1
4309 LAVACA DRIVE 9.125 1,218.82 65
8.875 1,218.82 233,000.00
PLANO TX 75074 2 12/15/99 00
0411754245 05 02/01/00 0
0411754245 N 01/01/30
0
1
3097938 196/G02 F 108,000.00 ZZ
360 107,937.86 2
606 W 16TH STREET 8.750 849.64 88
8.500 849.64 123,000.00
PUEBLO CO 81003 2 11/29/99 14
0431725530 05 01/01/00 25
1347962 N 12/01/29
0
3097957 196/G02 F 34,300.00 ZZ
360 34,279.22 1
9717 WINTER GARDENS BLVD 8.500 263.74 80
#159 8.250 263.74 42,900.00
LAKESIDE CA 92040 1 11/30/99 00
0431728492 01 01/01/00 0
1356950 O 12/01/29
0
3099664 K08/G02 F 207,900.00 ZZ
360 207,760.50 1
345 GEORG OAKS 8.000 1,525.50 80
7.750 1,525.50 259,900.00
BULVERDE TX 78163 1 11/24/99 00
0411642465 05 01/01/00 0
0411642465 O 12/01/29
0
3099675 K08/G02 F 82,150.00 ZZ
360 82,150.00 1
5100 VERDE VALLEY LANE 8.625 638.95 95
UNIT # 101 8.375 638.95 86,500.00
DALLAS TX 75240 1 12/20/99 10
0411721988 01 02/01/00 30
0411721988 O 01/01/30
0
3099679 K08/G02 F 131,400.00 ZZ
360 131,400.00 1
29051 NAVEL COURT 8.500 1,010.35 90
8.250 1,010.35 146,000.00
LAKE ELSINORE CA 92530 2 12/15/99 04
0411726219 05 02/01/00 25
0411726219 O 01/01/30
0
3099683 K08/G02 F 69,000.00 ZZ
360 69,000.00 1
1
1022 E. FIFTH STREET, UNIT # 1 9.375 573.91 75
9.125 573.91 92,000.00
CARSON CITY NV 89701 1 12/06/99 00
0411734064 09 02/01/00 0
0411734064 N 01/01/30
0
3099695 K08/G02 F 128,800.00 ZZ
360 128,800.00 1
916 BRESTOL COURT WEST 8.750 1,013.27 80
8.500 1,013.27 161,000.00
BEDFORD TX 76021 5 12/15/99 00
0411744980 05 02/01/00 0
0411744980 O 01/01/30
0
3099699 K08/G02 F 160,000.00 ZZ
360 160,000.00 1
1369 CHINQUAPIN DRIVE 8.875 1,273.03 80
8.625 1,273.03 200,000.00
SOUTH LAKE TAHO CA 96158 5 12/14/99 00
0411745912 05 02/01/00 0
0411745912 O 01/01/30
0
3099700 K08/G02 F 80,000.00 ZZ
360 80,000.00 1
511 HI CIRCLE SOUTH 8.750 629.36 33
8.500 629.36 249,000.00
HORSESHOE BAY TX 78657 5 12/13/99 00
0411746225 03 02/01/00 0
0411746225 O 01/01/30
0
3099702 K08/G02 F 62,400.00 ZZ
360 62,400.00 1
627 FAIR OAK DRIVE 8.375 474.29 80
8.125 474.29 78,000.00
STAFFORD TX 77477 5 12/14/99 00
0411746613 03 02/01/00 0
0411746613 O 01/01/30
0
3099816 K08/G02 F 143,100.00 ZZ
360 143,100.00 1
5032 WOLF ROAD 9.000 1,151.41 90
8.750 1,151.41 159,000.00
WESTERN SPRINGS IL 60558 1 12/21/99 01
0411691025 05 02/01/00 25
1
0411691025 N 01/01/30
0
3099817 K08/G02 F 67,500.00 ZZ
360 67,500.00 3
52 CLINTON STREET 9.250 555.31 90
9.000 555.31 75,000.00
MERIDEN CT 06450 1 12/21/99 04
0411697170 05 02/01/00 25
0411697170 N 01/01/30
0
3099818 K08/G02 F 85,000.00 ZZ
360 85,000.00 1
805 W 26TH ST 8.125 631.12 85
7.875 631.12 101,000.00
HOLLAND MI 49423 5 12/16/99 04
0411707631 05 02/01/00 12
0411707631 O 01/01/30
0
3099822 K08/G02 F 100,100.00 ZZ
360 100,100.00 1
3541 OAKDELL AVENUE 8.500 769.68 66
8.250 769.68 152,000.00
NORTH HIGHLANDS CA 95660 5 12/15/99 00
0411719099 05 02/01/00 0
0411719099 O 01/01/30
0
3099823 K08/G02 F 67,500.00 ZZ
360 67,465.00 1
3081 FERRIS 9.250 555.31 90
9.000 555.31 75,000.00
LINCOLN PARK MI 48146 1 11/30/99 04
0411720436 05 01/01/00 25
0411720436 N 12/01/29
0
3099824 K08/G02 F 58,500.00 ZZ
360 58,500.00 2
926 MATTISON AVENUE 9.250 481.27 90
9.000 481.27 65,000.00
ASBURY PARK NJ 07712 1 12/21/99 04
0411720592 05 02/01/00 25
0411720592 N 01/01/30
0
1
3099827 K08/G02 F 55,800.00 ZZ
360 55,800.00 2
2624-26 HELENA STREET 9.625 474.29 90
9.375 474.29 62,000.00
KENNER LA 70062 1 12/20/99 04
0411729270 05 02/01/00 25
0411729270 N 01/01/30
0
3099829 K08/G02 F 126,000.00 ZZ
360 126,000.00 1
5301 SW 96TH STREET 9.375 1,048.00 90
9.125 1,048.00 140,000.00
MIAMI FL 33165 1 12/10/99 01
0411732282 05 02/01/00 25
0411732282 O 01/01/30
0
3099830 K08/G02 F 59,500.00 ZZ
360 59,500.00 1
2012 SHIRLEY STREET 9.375 494.89 70
9.125 494.89 85,000.00
ATLANTA GA 30310 5 12/21/99 00
0411736309 05 02/01/00 0
0411736309 N 01/01/30
0
3099831 K08/G02 F 55,100.00 ZZ
360 55,100.00 1
67 RIVER DRIVE 8.875 438.40 95
8.625 438.40 58,000.00
ORMOND BEACH FL 32176 1 12/21/99 01
0411741846 05 02/01/00 30
0411741846 O 01/01/30
0
3099836 K08/G02 F 297,350.00 ZZ
360 297,350.00 4
937 BOULEVARD EAST 9.750 2,554.70 75
9.500 2,554.70 396,500.00
WEEKAWKEN NJ 07087 1 12/21/99 00
0411745110 05 02/01/00 0
0411745110 N 01/01/30
0
3099837 K08/G02 F 52,500.00 ZZ
360 52,500.00 1
107 WASHINGTON AVENUE 9.000 422.43 75
8.750 422.43 70,000.00
1
HAMDEN CT 06510 1 12/21/99 00
0411746118 05 02/01/00 0
0411746118 N 01/01/30
0
3099838 K08/G02 F 93,500.00 ZZ
360 93,500.00 1
19344 JACQUELINE STREET 8.500 718.93 85
8.250 718.93 110,000.00
ANDERSON CA 96007 2 12/15/99 04
0411747025 05 02/01/00 12
0411747025 O 01/01/30
0
3099840 K08/G02 F 140,400.00 ZZ
360 140,400.00 1
2101 WEST 177TH STREET 9.000 1,129.69 80
8.750 1,129.69 175,500.00
TORRANCE CA 90504 1 12/15/99 00
0411749609 05 02/01/00 0
0411749609 N 01/01/30
0
3099842 K08/G02 F 52,000.00 ZZ
360 52,000.00 1
16618 WOODLAWN ACRES AVEN 8.875 413.74 69
8.625 413.74 76,000.00
BATON ROUGE LA 70817 5 12/21/99 00
0411753411 05 02/01/00 0
0411753411 N 01/01/30
0
3099845 K08/G02 F 33,750.00 ZZ
360 33,750.00 1
4859 CEDAR SPRINGS ROAD 9.500 283.79 75
UNIT # 138 9.250 283.79 45,000.00
DALLAS TX 75219 1 12/17/99 00
0411760077 01 02/01/00 0
0411760077 N 01/01/30
0
3100025 E82/G02 F 94,500.00 ZZ
360 94,500.00 1
169 VILLAGE GREEN COURT 9.125 768.88 70
8.875 768.88 135,000.00
WARWICK NY 10990 1 12/21/99 00
0400245536 01 02/01/00 0
0400245536 N 01/01/30
0
1
3100318 E82/G02 F 100,000.00 ZZ
360 100,000.00 1
19544 EAST ITHACA PLACE 8.750 786.70 52
8.500 786.70 195,000.00
AURORA CO 80013 5 12/16/99 00
0400244257 03 02/01/00 0
0400244257 O 01/01/30
0
3101226 742/G02 F 60,000.00 ZZ
360 60,000.00 3
4631-4635 LAKE AVENUE 8.875 477.39 63
8.625 477.39 96,000.00
ROCHESTER NY 14612 5 12/15/99 00
0431726975 05 02/01/00 0
4880621 N 01/01/30
0
3101309 G41/G02 F 120,000.00 ZZ
360 120,000.00 1
26 BLACK PINE LANE 8.250 901.52 61
8.000 901.52 199,400.00
MOUNT HOLLY NJ 08060 1 12/13/99 00
0431727106 05 02/01/00 0
61001758 O 01/01/30
0
3101387 076/076 F 96,050.00 ZZ
360 95,239.14 1
11501 W 113TH STREET 8.000 704.78 85
7.750 704.78 113,000.00
OVERLAND PARK KS 66210 5 10/08/99 10
0359125 09 12/01/99 25
0359125 O 11/01/29
0
3101388 076/076 F 54,000.00 ZZ
360 53,885.01 1
3916 FRISSE AVE 8.625 420.01 72
8.375 420.01 75,000.00
EVANSVILLE IN 47714 5 11/05/99 00
0663144 05 01/01/00 0
0663144 O 12/01/29
0
3101389 076/076 F 80,500.00 ZZ
360 79,838.29 1
1
13 WILLOW ST 7.625 569.78 70
7.375 569.78 115,000.00
DOVER NH 03820 5 01/15/99 00
1015441 05 03/01/99 0
1015441 N 02/01/29
0
3101390 076/076 F 95,000.00 ZZ
360 94,830.50 1
6867 COUNTY RD 203 8.625 738.91 50
8.375 738.91 191,000.00
DURANGO CO 81301 1 09/30/99 00
1293690 05 11/01/99 0
1293690 O 10/01/29
0
3101391 076/076 F 79,500.00 ZZ
360 79,305.28 1
10880 WASHNGTN BAY DR 8.500 611.29 74
8.250 611.29 108,500.00
FISHERS IN 46038 1 08/24/99 00
1309087 03 10/01/99 0
1309087 N 09/01/29
0
3101392 076/076 F 130,000.00 ZZ
360 129,910.54 1
10701 RACHEL LN 7.875 942.59 73
7.625 942.59 179,900.00
ORLAND PARK IL 60467 1 11/04/99 00
1324227 01 01/01/00 0
1324227 O 12/01/29
0
3101393 076/076 F 65,250.00 T
360 65,081.46 1
516 W D ST 7.625 461.84 75
7.375 461.84 87,000.00
LEMOORE CA 93245 1 09/23/99 00
1427852 05 11/01/99 0
1427852 O 10/01/29
0
3101395 076/076 F 179,200.00 ZZ
360 179,094.20 1
14 COLONEL LEDYARD 8.625 1,393.80 80
8.375 1,393.80 224,000.00
PRESTON CT 06365 1 11/02/99 00
7029335 05 01/01/00 0
1
7029335 O 12/01/29
0
3101396 076/076 F 78,000.00 ZZ
360 77,554.52 1
14 RADCLIFFE DR 8.500 599.75 40
8.250 599.75 198,000.00
HUDSON NH 03051 2 11/01/99 00
7394140 05 01/01/00 0
7394140 O 12/01/29
0
3101397 076/076 F 208,500.00 T
360 208,246.49 1
LOT E EAGLE MTN 8.500 1,603.18 75
8.250 1,603.18 278,000.00
JACKSON NH 03846 1 10/22/99 00
7395245 05 12/01/99 0
7395245 O 11/01/29
0
3101398 076/076 F 70,000.00 ZZ
360 69,900.86 1
101 ADMIRALTY HTS 7.750 501.49 46
7.500 501.49 155,000.00
YARMOUTHPORT MA 02675 1 10/29/99 00
7396121 01 12/01/99 0
7396121 O 11/01/29
0
3101399 076/076 F 80,000.00 ZZ
360 79,342.48 1
2617 S 225TH W AVE 8.250 601.01 58
8.000 601.01 140,000.00
BRISTOW OK 74010 2 09/30/99 00
7413142 05 11/01/99 0
7413142 O 10/01/29
0
3101400 076/076 F 200,000.00 ZZ
360 199,884.92 1
43 BENEDICT RD 8.750 1,573.41 79
8.500 1,573.41 255,000.00
BETHEL CT 06801 1 11/08/99 00
7943662 05 01/01/00 0
7943662 O 12/01/29
0
1
3101401 076/076 F 211,000.00 ZZ
360 210,893.45 2
6116 37TH AVE 9.375 1,754.99 73
9.125 1,754.99 290,000.00
WOODSIDE NY 11377 5 11/04/99 00
8801974 05 01/01/00 0
8801974 O 12/01/29
0
3101402 076/076 F 137,750.00 ZZ
360 137,670.75 1
1131 A EDGEMONT AVE 8.750 1,083.68 74
8.500 1,083.68 186,500.00
GASTONIA NC 28054 5 11/11/99 00
9000146 05 01/01/00 0
9000146 O 12/01/29
0
3101403 076/076 F 91,200.00 ZZ
360 91,144.75 1
508 CAPE CORAL PKY 8.500 701.25 80
8.250 701.25 114,000.00
CAPE CORAL FL 33914 1 11/18/99 00
9151076 05 01/01/00 0
9151076 O 12/01/29
0
3101404 076/076 F 125,200.00 ZZ
360 125,069.68 1
376 NELSON ST 9.250 1,029.99 60
9.000 1,029.99 208,675.00
ATLANTA GA 30313 1 11/03/99 00
9211574 01 12/01/99 0
9211574 N 11/01/29
0
3101405 076/076 F 81,750.00 ZZ
360 81,662.65 1
6488 WALTER REED DR 9.125 665.15 75
8.875 665.15 109,000.00
GLOUCESTER VA 23061 5 10/29/99 00
9271424 05 12/01/99 0
9271424 O 11/01/29
0
3101406 076/076 F 51,750.00 ZZ
360 51,691.75 1
11016 SPEEKS CT 8.875 411.75 75
8.625 411.75 69,000.00
1
MIDLOTHIAN VA 23112 1 11/01/99 00
9306504 05 12/01/99 0
9306504 N 11/01/29
0
3101407 076/076 F 224,000.00 ZZ
360 223,849.69 2
939 GROVE STREET 8.000 1,643.64 80
7.750 1,643.64 280,000.00
ELIZABETH NJ 07202 1 11/08/99 00
9597807 05 01/01/00 0
9597807 O 12/01/29
0
3101408 076/076 F 51,350.00 ZZ
360 51,296.56 1
320 LINCOLN ST 9.250 422.44 79
9.000 422.44 65,000.00
STERLING NE 68443 1 10/22/99 00
9686580 05 12/01/99 0
9686580 N 11/01/29
0
3102265 K08/G02 F 69,600.00 ZZ
360 69,600.00 1
824 C STREET N.W. 9.125 566.29 80
8.875 566.29 87,000.00
EPHRATA WA 98823 5 12/14/99 00
0411673130 05 02/01/00 0
0411673130 O 01/01/30
0
3102270 K08/G02 F 231,200.00 ZZ
360 231,200.00 2
135 JEFFERSON AVENUE 8.750 1,818.85 80
8.500 1,818.85 289,000.00
JERSEY CITY NJ 07302 1 12/22/99 00
0411701469 05 02/01/00 0
0411701469 O 01/01/30
0
3102271 K08/G02 F 49,500.00 ZZ
360 49,500.00 1
717 E. ROBINWOOD 9.500 416.22 90
9.250 416.22 55,000.00
DETROIT MI 48237 1 12/23/99 04
0411701907 05 02/01/00 25
0411701907 N 01/01/30
0
1
3102272 K08/G02 F 94,400.00 ZZ
360 94,400.00 1
7214 CENTENARY DRIVE 8.875 751.09 80
8.625 751.09 118,000.00
ROWLETT TX 75089 1 12/22/99 00
0411707201 05 02/01/00 0
0411707201 O 01/01/30
0
3102273 K08/G02 F 54,350.00 ZZ
360 54,350.00 1
15007 EAGLE RUN 8.375 413.10 75
8.125 413.10 72,500.00
SAN ANTONIO TX 78233 5 12/22/99 00
0411707953 05 02/01/00 0
0411707953 N 01/01/30
0
3102275 K08/G02 F 27,000.00 ZZ
360 26,986.37 1
106 MEADOWRIDGE ROAD 9.375 224.58 75
9.125 224.57 36,000.00
GALLOWAY TWP NJ 08201 1 11/29/99 00
0411712037 01 01/01/00 0
0411712037 N 12/01/29
0
3102276 K08/G02 F 63,900.00 ZZ
360 63,900.00 2
8027 & 8029 KILTIE WAY 9.000 514.15 80
8.750 514.15 79,900.00
STOCKTON CA 95207 1 12/16/99 00
0411713282 05 02/01/00 0
0411713282 N 01/01/30
0
3102279 K08/G02 F 108,000.00 ZZ
360 108,000.00 1
940 WEST 53 TERRACE 8.625 840.01 80
8.375 840.01 135,000.00
HIALEAH FL 33012 1 12/22/99 00
0411719289 05 02/01/00 0
0411719289 O 01/01/30
0
3102281 K08/G02 F 72,900.00 ZZ
360 72,900.00 1
1
43 CONFORTI AVENUE UNIT 40 8.875 580.03 90
8.625 580.03 81,000.00
WEST ORANGE NJ 07052 1 12/22/99 04
0411722945 01 02/01/00 25
0411722945 O 01/01/30
0
3102283 K08/G02 F 71,200.00 ZZ
360 71,200.00 1
524 ROSEMARY DRIVE 8.750 560.13 80
8.500 560.13 89,000.00
NEWPORT NC 28570 5 12/17/99 00
0411724024 05 02/01/00 0
0411724024 O 01/01/30
0
3102288 K08/G02 F 117,000.00 ZZ
360 117,000.00 1
9212 ASCOT 8.875 930.90 88
8.625 930.90 134,000.00
YPSILANTI MI 48198 5 12/17/99 04
0411730740 05 02/01/00 25
0411730740 O 01/01/30
0
3102292 K08/G02 F 146,700.00 ZZ
360 146,700.00 1
1446 LONG CORNER ROAD 8.750 1,154.09 90
8.500 1,154.09 163,000.00
MOUNT AIRY MD 21771 5 12/17/99 04
0411734288 05 02/01/00 25
0411734288 O 01/01/30
0
3102295 K08/G02 F 78,400.00 ZZ
360 78,400.00 1
2408 WEST CARSON DRIVE 9.000 630.82 80
8.750 630.82 98,000.00
TEMPE AZ 85282 5 12/16/99 00
0411742190 05 02/01/00 0
0411742190 O 01/01/30
0
3102297 K08/G02 F 50,400.00 ZZ
360 50,400.00 1
1526 COVENTRY RD 9.375 419.20 90
9.125 419.20 56,000.00
DAYTON OH 45410 1 12/22/99 12
0411745094 05 02/01/00 25
1
0411745094 N 01/01/30
0
3102303 K08/G02 F 119,000.00 ZZ
360 119,000.00 1
LOT 43 SAN LUIS CIRCLE 8.500 915.01 80
8.250 915.01 150,000.00
MISSION TX 78572 4 12/22/99 00
0411747363 05 02/01/00 0
0411747363 O 01/01/30
0
3102305 K08/G02 F 52,000.00 ZZ
360 52,000.00 1
19718 SPANISH NEEDLE DRIVE 9.625 441.99 80
9.375 441.99 65,001.00
HOUSTON TX 77084 1 12/17/99 00
0411749468 03 02/01/00 0
0411749468 N 01/01/30
0
3102310 K08/G02 F 170,500.00 ZZ
360 170,500.00 1
14117 SW 155 STREET 9.250 1,402.66 85
9.000 1,402.66 200,697.00
MIAMI FL 33177 1 12/22/99 10
0411753643 03 02/01/00 12
0411753643 O 01/01/30
0
3102311 K08/G02 F 170,900.00 ZZ
360 170,900.00 1
7891 WADDING 9.250 1,405.95 95
9.000 1,405.95 179,900.00
CAMBRIDGE MI 49265 1 12/22/99 10
0411754286 05 02/01/00 30
0411754286 O 01/01/30
0
3102312 K08/G02 F 72,000.00 ZZ
360 72,000.00 2
118 COOK AVENUE 8.750 566.43 90
8.500 566.42 80,000.00
ST PAUL MN 55117 1 12/22/99 04
0411754294 05 02/01/00 25
0411754294 N 01/01/30
0
1
3102315 K08/G02 F 75,200.00 ZZ
360 75,200.00 1
731 WEST HALL AVE 9.000 605.08 80
8.750 605.08 94,000.00
GRAND JUNCTION CO 81505 5 12/21/99 00
0411756794 05 02/01/00 0
0411756794 N 01/01/30
0
3102316 K08/G02 F 33,600.00 ZZ
360 33,600.00 2
123 E. VINE STREET 9.750 288.68 80
9.500 288.68 42,000.00
LIMA OH 45804 1 12/22/99 00
0411757339 05 02/01/00 0
0411757339 N 01/01/30
0
3102318 K08/G02 F 44,000.00 ZZ
360 44,000.00 1
5801 HUNT ROAD 9.500 369.98 69
9.250 369.98 64,000.00
PALMS MI 48465 5 12/17/99 00
0411757859 05 02/01/00 0
0411757859 O 01/01/30
0
3102320 K08/G02 F 117,900.00 ZZ
360 117,900.00 1
492 ALGENE 9.750 1,012.94 90
9.500 1,012.94 131,000.00
LAKE ORION MI 48362 1 12/22/99 04
0411764301 05 02/01/00 25
0411764301 N 01/01/30
0
3102421 E82/G02 F 84,800.00 ZZ
360 84,800.00 1
501 BEACH DRIVE 9.000 682.32 71
8.750 682.32 120,000.00
CAPE MAY NJ 08204 2 12/21/99 00
0400245445 20 02/01/00 0
0400245445 N 01/01/30
0
3103368 664/G02 F 85,000.00 ZZ
360 85,000.00 1
10 ASH STREET 8.375 646.07 63
8.125 646.07 136,000.00
1
EUGENE OR 97402 5 12/13/99 00
0431729698 05 02/01/00 0
0003109311 O 01/01/30
0
3103406 765/G02 F 72,000.00 ZZ
360 72,000.00 2
152-152 1/2 EAST 78TH STREET 8.500 553.62 90
8.250 553.62 80,000.00
LOS ANGELES CA 90003 1 12/03/99 04
0431738715 05 02/01/00 25
349157 N 01/01/30
0
3103460 721/G02 F 127,500.00 ZZ
360 127,500.00 1
309 BEAMS ROAD 8.625 991.69 69
8.375 991.69 185,000.00
HARRODSBURG KY 40330 5 12/15/99 00
0431742121 05 02/01/00 0
7810116232 O 01/01/30
0
3103680 G41/G02 F 93,600.00 ZZ
360 93,540.31 1
703 SKYLARK AVENUE 8.250 703.19 90
8.000 703.19 104,000.00
LOS BANOS CA 93635 1 11/22/99 04
0431742196 05 01/01/00 25
61110502 N 12/01/29
0
3104446 K08/G02 F 99,000.00 ZZ
360 99,000.00 2
7245-47 WYANDOTTE 9.250 814.45 90
9.000 814.45 110,000.00
KANSAS CITY MO 64114 1 12/13/99 10
0411693914 05 02/01/00 25
0411693914 N 01/01/30
0
3104448 K08/G02 F 105,600.00 ZZ
360 105,600.00 2
9073-75 TUOLNME DRIVE 9.000 849.68 80
8.750 849.68 132,000.00
SACRAMENTO CA 95826 5 12/21/99 00
0411723992 05 02/01/00 0
0411723992 N 01/01/30
0
1
3104449 K08/G02 F 105,600.00 ZZ
360 105,600.00 2
9077-79 TUOLONME DRIVE 9.000 849.68 80
8.750 849.68 132,000.00
SACRAMENTO CA 95826 5 12/21/99 00
0411724305 05 02/01/00 0
0411724305 N 01/01/30
0
3104452 K08/G02 F 58,400.00 ZZ
360 58,400.00 1
7118 BONITA DRIVE 8.750 459.43 80
UNIT 802 8.500 459.43 73,000.00
MIAMI BEACH FL 33141 1 12/23/99 00
0411728801 06 02/01/00 0
0411728801 O 01/01/30
0
3104454 K08/G02 F 70,400.00 ZZ
360 70,400.00 1
1203 BRIDGE AVENUE 9.875 611.32 80
9.625 611.32 88,000.00
ASBURY PARK NJ 07712 1 12/23/99 00
0411729197 05 02/01/00 0
0411729197 N 01/01/30
0
3104458 K08/G02 F 72,000.00 ZZ
360 72,000.00 1
22035 NORMANDY 9.625 612.00 90
9.375 611.99 80,000.00
EASTPOINTE MI 48021 1 12/23/99 01
0411744535 05 02/01/00 25
0411744535 O 01/01/30
0
3104464 K08/G02 F 180,000.00 ZZ
360 180,000.00 1
1250 CARLTON PLACE 8.875 1,432.16 75
8.625 1,432.16 240,000.00
LONGMONT CO 80501 5 12/23/99 00
0411755572 05 02/01/00 0
0411755572 N 01/01/30
0
3104465 K08/G02 F 78,400.00 ZZ
360 78,400.00 2
1
1205-1207 TUCKER STREET 9.500 659.23 80
9.250 659.23 98,500.00
MCKINNEY TX 75069 5 12/23/99 00
0411756190 05 02/01/00 0
0411756190 N 01/01/30
0
3104466 K08/G02 F 69,350.00 ZZ
360 69,350.00 1
1121 PARK STREET 9.000 558.01 95
8.750 558.01 73,000.00
BONHAM TX 75418 1 12/23/99 04
0411757511 05 02/01/00 30
0411757511 O 01/01/30
0
3104467 K08/G02 F 60,000.00 ZZ
360 60,000.00 1
117 PANHANDLE AVENUE 8.875 477.39 80
8.625 477.39 75,000.00
DENTON TX 76201 5 12/23/99 00
0411758477 05 02/01/00 0
0411758477 N 01/01/30
0
3104540 E82/G02 F 96,000.00 ZZ
360 96,000.00 1
18068 STATE ROUTE 9 8.375 729.67 67
8.125 729.67 144,000.00
MOUNT VERNON WA 98274 5 12/22/99 00
0400244919 05 02/01/00 0
0400244919 O 01/01/30
0
3104543 E82/G02 F 45,600.00 ZZ
360 45,600.00 1
105 JOSEPHINE STREET 9.625 387.60 80
9.375 387.60 57,000.00
NORTH SYRACUSE NY 13212 1 12/27/99 00
0400243184 05 02/01/00 0
0400243184 O 01/01/30
0
3104546 E82/G02 F 140,800.00 ZZ
360 140,800.00 1
118 SUNSHINE DRIVE 8.625 1,095.13 80
8.375 1,095.13 176,000.00
SIMPSONVILLE SC 29681 2 12/23/99 00
0400248829 05 02/01/00 0
1
0400248829 N 01/01/30
0
3104547 E82/G02 F 132,550.00 ZZ
360 132,550.00 1
120 SUNSHINE DRIVE 8.625 1,030.96 80
8.375 1,030.96 165,700.00
SIMPSONVILLE SC 29681 2 12/23/99 00
0400248811 05 02/01/00 0
0400248811 N 01/01/30
0
3104548 E82/G02 F 228,000.00 ZZ
360 228,000.00 1
933 MORNINGSIDE DRIVE 8.875 1,814.07 80
8.625 1,814.07 285,000.00
HAMILTON TOWNSH NJ 08330 5 12/20/99 00
0400247847 05 02/01/00 0
0400247847 O 01/01/30
0
3104549 E82/G02 F 51,750.00 ZZ
360 51,750.00 1
17 RAMSHORN ROAD 9.250 425.73 90
9.000 425.73 57,500.00
MASTIC BEACH NY 11951 1 12/22/99 04
0400241584 05 02/01/00 25
0400241584 N 01/01/30
0
3107816 E53/G02 F 37,050.00 ZZ
360 37,050.00 1
2810 NE 201 TER G-327 9.500 311.54 95
9.250 311.54 39,000.00
MIAMI FL 33180 1 12/17/99 14
0431735737 01 02/01/00 35
0011109714 O 01/01/30
0
3109439 K08/G02 F 47,250.00 ZZ
360 47,250.00 1
1715 HILLCREST DRIVE 9.000 380.18 75
8.750 380.18 63,000.00
SAN ANTONIO TX 78228 5 12/22/99 00
0411756075 05 02/01/00 0
0411756075 N 01/01/30
0
1
3109549 K08/G02 F 102,400.00 ZZ
360 102,400.00 1
20514 42ND AVENUE EAST 8.750 805.58 80
8.500 805.58 128,000.00
SPANAWAY WA 98387 5 12/17/99 00
0411752827 05 02/01/00 0
0411752827 O 01/01/30
0
3110663 822/G02 F 75,250.00 ZZ
360 75,206.70 3
910 1/2 N. MADISON STREET 8.750 592.00 90
8.500 592.00 83,650.00
WILMINGTON DE 19801 1 11/23/99 10
0431739028 05 01/01/00 25
3576004034 N 12/01/29
0
3111033 E82/G02 F 156,750.00 ZZ
360 156,750.00 1
9 COUNTRY WALK LANE 8.625 1,219.19 95
8.375 1,219.19 165,000.00
GREENSBORO NC 27407 1 12/29/99 04
0400248084 03 02/01/00 30
0400248084 O 01/01/30
0
3111042 E82/G02 F 89,600.00 ZZ
360 89,600.00 1
100 EAST WALTON #22C 9.500 753.41 80
9.250 753.41 112,000.00
CHICAGO IL 60611 1 12/29/99 00
0400245619 06 02/01/00 0
0400245619 O 01/01/30
0
3111043 E82/G02 F 267,750.00 ZZ
360 267,750.00 4
102 PEARL STREET 8.875 2,130.34 85
8.625 2,130.34 315,000.00
SOMERVILLE MA 02145 5 12/22/99 04
0400201448 05 02/01/00 12
0400201448 O 01/01/30
0
3111045 E82/G02 F 164,000.00 ZZ
360 164,000.00 2
104 PEARL STREET 8.875 1,304.86 73
8.625 1,304.86 225,000.00
1
SOMERVILLE MA 02145 2 12/28/99 00
0400201455 05 02/01/00 0
0400201455 N 01/01/30
0
3111048 E82/G02 F 64,000.00 ZZ
360 64,000.00 4
551-553 PHILIP 9.000 514.96 80
8.750 514.96 80,000.00
DETROIT MI 48215 5 12/29/99 00
0400246013 05 02/01/00 0
0400246013 N 01/01/30
0
3111202 944/G02 F 154,800.00 ZZ
360 154,800.00 1
7309 FRANKLIN AVENUE #103 8.875 1,231.66 90
8.625 1,231.66 172,000.00
LOS ANGELES CA 90046 1 12/16/99 12
0431739077 08 02/01/00 25
991200041 O 01/01/30
0
3111923 F36/G02 F 80,500.00 ZZ
360 80,500.00 1
2104 62ND STREET NW 9.000 647.72 70
8.750 647.72 115,000.00
GIG HARBOR WA 98335 5 12/14/99 00
0431741354 05 02/01/00 0
06502910 N 01/01/30
0
3111976 F36/G02 F 77,000.00 ZZ
360 77,000.00 1
6118 24TH STREET NW 9.000 619.56 70
8.750 619.56 110,000.00
GIG HARBOR WA 98335 5 12/14/99 00
0431740265 05 02/01/00 0
06502911 N 01/01/30
0
3112463 420/G02 F 118,150.00 ZZ
360 118,150.00 1
519 MISSION BLVD 8.125 877.27 85
7.875 877.27 139,000.00
SANTA ROSA CA 95409 1 12/14/99 11
0431740992 01 02/01/00 20
0000434290 O 01/01/30
0
1
3113058 K08/G02 F 113,050.00 ZZ
360 113,050.00 1
943 CATTLEMANS ROW 8.500 869.26 95
8.250 869.26 119,000.00
LOCKHART TX 78644 1 12/22/99 01
0411764939 05 02/01/00 30
0411764939 O 01/01/30
0
3117017 P16/G02 F 249,000.00 ZZ
360 249,000.00 1
901 NORTH WEMAR WAY 8.250 1,870.65 80
8.000 1,870.65 312,000.00
MONTEBELLO CA 90640 1 12/14/99 00
0431746494 05 02/01/00 0
50004676 O 01/01/30
0
3118549 E82/G02 F 57,150.00 ZZ
360 57,150.00 2
623 WEST 7TH STREET 8.750 449.60 90
8.500 449.60 64,000.00
WILMINGTON DE 19801 1 01/05/00 04
0400245759 05 02/01/00 25
0400245759 N 01/01/30
0
TOTAL NUMBER OF LOANS : 1,373
TOTAL ORIGINAL BALANCE : 142,146,888.65
TOTAL PRINCIPAL BALANCE : 141,931,221.92
TOTAL ORIGINAL P+I : 1,125,036.12
TOTAL CURRENT P+I : 1,125,036.09
***************************
* END OF REPORT *
***************************
<PAGE>
1
RUN ON : 01/21/00 RFC DISCLOSURE SYSTEM RFFSDFIX-01
AT : 14.36.17 FIXED PASSTHRU REPORT AMORTIZED BALANCE
SERIES : RALI 2000-QS1 CONFORMING CUTOFF : 01/01/00
POOL : 0004420
:
:
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
-------------------------------------------------------------------------
1591748 .2500
29,577.92 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1789002 .2500
31,477.91 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1800204 .2500
23,521.09 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1805236 .2500
27,474.82 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1845842 .2500
36,348.73 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1863474 .2500
27,172.85 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
7.7200 .0000
1
1865231 .2500
94,996.13 .0300
6.8750 .0000
6.6250 .0000
6.5950 .0000
6.5950 .0000
1867967 .2500
131,491.36 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1868026 .2500
106,166.83 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1869583 .2500
110,905.17 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1870228 .2500
115,688.76 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1871586 .2500
146,108.51 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1871591 .2500
135,342.66 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1872422 .2500
106,736.92 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1
1879616 .2500
50,371.40 .0300
7.3750 .0000
7.1250 .0000
7.0950 .0000
7.0950 .0000
1883711 .2500
32,915.01 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
7.5950 .0000
1884043 .2500
29,787.59 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1884102 .2500
33,008.37 .0300
7.7500 .0000
7.5000 .0000
7.4700 .0000
7.4700 .0000
1886819 .2500
28,804.37 .0800
8.1250 .0000
7.8750 .0000
7.7950 .0000
7.7500 .0450
1890544 .2500
49,643.67 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
7.5950 .0000
1899774 .2500
28,662.12 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1900344 .3750
44,561.16 .0800
8.7500 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1
1903462 .2500
28,567.23 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
7.7200 .0000
1903731 .2500
25,466.17 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
1907013 .2500
53,274.05 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1907480 .2500
49,980.76 .0800
8.1250 .0000
7.8750 .0000
7.7950 .0000
7.7500 .0450
1908779 .2500
27,704.45 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
1909587 .2500
38,627.74 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1910661 .2500
36,861.19 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1911268 .2500
30,257.93 .0800
8.1250 .0000
7.8750 .0000
7.7950 .0000
7.7500 .0450
1
1914579 .2500
119,132.89 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1918267 .2500
38,839.49 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1918414 .2500
45,421.33 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1919075 .2500
48,662.71 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
1919526 .2500
45,063.14 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1922270 .2500
204,202.05 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
1923266 .2500
28,230.31 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1923280 .2500
39,175.15 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1
1924527 .2500
14,790.22 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
1924650 .2500
35,474.81 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1925504 .2500
45,455.08 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1926389 .2500
45,431.32 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1926433 .2500
51,817.22 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1926667 .2500
123,994.92 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1929632 .2500
44,124.00 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
7.7500 1.0450
1930434 .2500
38,867.40 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
7.7200 .0000
1
1930708 .2500
39,954.38 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1930728 .2500
38,119.27 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1930731 .2500
129,435.10 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
1931037 .5000
27,796.76 .0800
8.5000 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
1931403 .2500
25,076.57 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1931485 .2500
43,938.37 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
1931646 .2500
136,415.16 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1931785 .2500
139,034.14 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1
1931893 .2500
32,955.94 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
1933224 .2500
28,756.00 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
1933902 .2500
44,875.24 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1933929 .2500
44,545.66 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
7.7200 .0000
1933986 .2500
43,635.07 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1934757 .2500
28,641.46 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
1936187 .2500
37,627.99 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
1936322 .2500
157,564.49 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1
1936551 .2500
33,022.50 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1937105 .2500
53,799.80 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
1937647 .2500
23,204.86 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
7.7500 1.5450
1938153 .2500
119,186.08 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1938185 .2500
34,729.79 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
1939543 .2500
39,692.79 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
7.7500 1.6700
1940146 .2500
112,319.01 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
7.7500 1.0450
1940232 .2500
70,359.64 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
1
1940340 .2500
148,300.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
1940861 .2500
37,412.72 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1941253 .2500
33,875.38 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
1941609 .2500
96,097.97 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
1941626 .2500
156,653.22 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
7.7500 1.0450
1942156 .2500
125,812.58 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
1942614 .2500
37,933.91 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1942904 .2500
51,176.26 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
1
1943804 .2500
182,815.69 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
1944114 .2500
26,807.21 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
7.5950 .0000
1944333 .2500
53,747.78 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
1944389 .2500
50,282.73 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1944729 .2500
179,418.16 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
1944742 .2500
29,947.84 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1944874 .2500
43,955.39 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
1945136 .2500
22,477.17 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
1
1945403 .2500
49,884.96 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1945622 .2500
36,031.41 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1945726 .2500
124,936.87 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
1946145 .2500
49,089.01 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1946517 .2500
36,938.89 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1946536 .2500
90,204.43 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
1946987 .2500
83,575.50 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
1947035 .2500
26,958.75 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
1
1947049 .2500
216,000.00 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1947085 .2500
49,278.32 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1947297 .2500
38,739.09 .0800
8.1250 .0000
7.8750 .0000
7.7950 .0000
7.7500 .0450
1947361 .2500
29,985.24 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
1947657 .2500
78,657.01 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1947836 .2500
119,934.45 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1948116 .2500
48,513.29 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1948173 .2500
44,979.01 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
7.7500 1.6700
1
1948192 .2500
131,051.70 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
1948319 .2500
30,344.35 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1948721 .2500
179,890.96 .0800
8.5000 .0000
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3097799 .2500
69,300.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3097800 .2500
25,600.00 .0800
9.8750 .0000
9.6250 .0000
9.5450 .0000
7.7500 1.7950
3097801 .2500
103,500.00 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
7.7500 1.5450
3097813 .2500
92,000.00 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
3097814 .2500
112,850.00 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
3097815 .2500
62,550.00 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
3097816 .2500
149,800.00 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
7.7500 1.0450
1
3097938 .2500
107,937.86 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3097957 .2500
34,279.22 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
3099664 .2500
207,760.50 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
7.7200 .0000
3099675 .2500
82,150.00 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
3099679 .2500
131,400.00 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
3099683 .2500
69,000.00 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
3099695 .2500
128,800.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3099699 .2500
160,000.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
1
3099700 .2500
80,000.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3099702 .2500
62,400.00 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
3099816 .2500
143,100.00 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
3099817 .2500
67,500.00 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
3099818 .2500
85,000.00 .0800
8.1250 .0000
7.8750 .0000
7.7950 .0000
7.7500 .0450
3099822 .2500
100,100.00 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
3099823 .2500
67,465.00 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
3099824 .2500
58,500.00 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
1
3099827 .2500
55,800.00 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
7.7500 1.5450
3099829 .2500
126,000.00 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
3099830 .2500
59,500.00 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
3099831 .2500
55,100.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3099836 .2500
297,350.00 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
7.7500 1.6700
3099837 .2500
52,500.00 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
3099838 .2500
93,500.00 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
3099840 .2500
140,400.00 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1
3099842 .2500
52,000.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3099845 .2500
33,750.00 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
3100025 .2500
94,500.00 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
7.7500 1.0450
3100318 .2500
100,000.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3101226 .2500
60,000.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3101309 .2500
120,000.00 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
3101387 .2500
95,239.14 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
7.7200 .0000
3101388 .2500
53,885.01 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1
3101389 .2500
79,838.29 .0300
7.6250 .0000
7.3750 .0000
7.3450 .0000
7.3450 .0000
3101390 .2500
94,830.50 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
3101391 .2500
79,305.28 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
3101392 .2500
129,910.54 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
7.5950 .0000
3101393 .2500
65,081.46 .0300
7.6250 .0000
7.3750 .0000
7.3450 .0000
7.3450 .0000
3101395 .2500
179,094.20 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
3101396 .2500
77,554.52 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
3101397 .2500
208,246.49 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1
3101398 .2500
69,900.86 .0300
7.7500 .0000
7.5000 .0000
7.4700 .0000
7.4700 .0000
3101399 .2500
79,342.48 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
3101400 .2500
199,884.92 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3101401 .2500
210,893.45 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
3101402 .2500
137,670.75 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3101403 .2500
91,144.75 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
3101404 .2500
125,069.68 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
3101405 .2500
81,662.65 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
7.7500 1.0450
1
3101406 .2500
51,691.75 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3101407 .2500
223,849.69 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
7.7200 .0000
3101408 .2500
51,296.56 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
3102265 .2500
69,600.00 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
7.7500 1.0450
3102270 .2500
231,200.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3102271 .2500
49,500.00 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
3102272 .2500
94,400.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3102273 .2500
54,350.00 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1
3102275 .2500
26,986.37 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
3102276 .2500
63,900.00 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
3102279 .2500
108,000.00 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
3102281 .2500
72,900.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3102283 .2500
71,200.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3102288 .2500
117,000.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3102292 .2500
146,700.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3102295 .2500
78,400.00 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1
3102297 .2500
50,400.00 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
3102303 .2500
119,000.00 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
3102305 .2500
52,000.00 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
7.7500 1.5450
3102310 .2500
170,500.00 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
3102311 .2500
170,900.00 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
3102312 .2500
72,000.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3102315 .2500
75,200.00 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
3102316 .2500
33,600.00 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
7.7500 1.6700
1
3102318 .2500
44,000.00 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
3102320 .2500
117,900.00 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
7.7500 1.6700
3102421 .2500
84,800.00 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
3103368 .2500
85,000.00 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
3103406 .2500
72,000.00 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
3103460 .2500
127,500.00 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
3103680 .2500
93,540.31 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
3104446 .2500
99,000.00 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
1
3104448 .2500
105,600.00 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
3104449 .2500
105,600.00 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
3104452 .2500
58,400.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3104454 .2500
70,400.00 .0800
9.8750 .0000
9.6250 .0000
9.5450 .0000
7.7500 1.7950
3104458 .2500
72,000.00 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
7.7500 1.5450
3104464 .2500
180,000.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3104465 .2500
78,400.00 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
3104466 .2500
69,350.00 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1
3104467 .2500
60,000.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3104540 .2500
96,000.00 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
3104543 .2500
45,600.00 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
7.7500 1.5450
3104546 .2500
140,800.00 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
3104547 .2500
132,550.00 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
3104548 .2500
228,000.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3104549 .2500
51,750.00 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
3107816 .2500
37,050.00 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
1
3109439 .2500
47,250.00 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
3109549 .2500
102,400.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3110663 .2500
75,206.70 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3111033 .2500
156,750.00 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
3111042 .2500
89,600.00 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
3111043 .2500
267,750.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3111045 .2500
164,000.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3111048 .2500
64,000.00 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1
3111202 .2500
154,800.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3111923 .2500
80,500.00 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
3111976 .2500
77,000.00 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
3112463 .2500
118,150.00 .0800
8.1250 .0000
7.8750 .0000
7.7950 .0000
7.7500 .0450
3113058 .2500
113,050.00 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
3117017 .2500
249,000.00 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
3118549 .2500
57,150.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
TOTAL NUMBER OF LOANS: 1373
TOTAL BALANCE........: 141,931,221.92
1
RUN ON : 01/21/00 RFC DISCLOSURE SYSTEM RFFSDFIX-01
AT : 14.36.17 INITIAL SECURITY FEES AMORTIZED BALANCE
SERIES : RALI 2000-QS1 CONF FIXED SUMMARY REPORT CUTOFF : 01/01/00
POOL : 0004420
:
:
POOL STATUS: F
WEIGHTED AVERAGES FROM TO
---------------------------------------------------------------------------
CURR NOTE RATE 8.8000 6.7500 10.2500
RFC NET RATE 8.5484 6.5000 10.0000
NET MTG RATE(INVSTR RATE) 8.4714 6.4700 9.9200
POST STRIP RATE 7.7402 6.4700 7.7500
SUB SERV FEE .2516 .2500 .5000
MSTR SERV FEE .0770 .0300 .0800
ALL EXP .0000 .0000 .0000
MISC EXP .0000 .0000 .0000
SPREAD .0000 .0000 .0000
STRIP .7313 .0000 2.1700
TOTAL NUMBER OF LOANS: 1373
TOTAL BALANCE........: 141,931,221.92
***************************
* END OF REPORT *
***************************
<PAGE>
1
RUN ON : 01/21/00 RFC DISCLOSURE SYSTEM RFFSD177-01
AT : 15.14.02 FIXED RATE LOAN LISTING AMORTIZED BALANCE
SERIES : RALI 2000-QS1 N CUTOFF : 01/01/00
POOL : 0004421
:
:
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 #
______________________________________________________________________________
1895999 E98/G02 F 308,750.00 ZZ
360 308,184.87 1
2216 25TH ST S 8.500 2,374.02 80
8.250 2,374.02 385,950.00
ST CLOUD MN 56301 1 09/10/99 00
0431479963 05 11/01/99 0
887409803 O 10/01/29
0
1913184 E48/G02 F 450,000.00 ZZ
360 444,838.52 1
1948 BURKE HOLLOW ROAD 7.000 2,993.87 70
6.750 2,993.87 646,000.00
NOLENSVILLE TN 37135 4 04/29/99 00
0431715358 05 06/01/99 0
110130 O 05/01/29
0
1946610 L04/G02 F 350,000.00 ZZ
360 349,798.63 1
5775 EAST BEST ROAD 8.750 2,753.45 88
8.500 2,753.45 400,000.00
LARKSPUR CO 80118 2 11/11/99 01
0431623677 05 01/01/00 25
0384197 O 12/01/29
0
1946830 830/G02 F 459,000.00 ZZ
360 458,115.90 1
14920 S SHAGGY MOUNTAIN ROAD 8.250 3,448.31 90
8.000 3,448.31 510,000.00
HERRIMAN UT 84065 1 09/28/99 14
0431548544 05 11/01/99 25
1
1924547 O 10/01/29
0
1951262 E23/G02 F 256,000.00 ZZ
360 255,680.67 1
11421 FUERTE DRIVE 8.375 1,945.78 77
8.125 1,945.78 335,000.00
EL CAJON CA 92020 1 10/25/99 00
0431585561 05 12/01/99 0
10509966 O 11/01/29
0
1951481 227/G02 F 800,000.00 ZZ
360 799,476.69 1
198 CENTRAL ST 8.125 5,939.98 48
7.875 5,939.98 1,700,000.00
DOVER MA 02030 5 11/19/99 00
0431701945 05 01/01/00 0
1800817 O 12/01/29
0
1952122 225/225 F 550,000.00 ZZ
360 548,213.27 1
1703 SEMINARY STREET 8.875 4,376.05 75
8.625 4,376.05 735,000.00
KEY WEST FL 33040 2 07/14/99 00
7146426 05 09/01/99 0
7146426 O 08/01/29
0
1952314 Q54/G02 F 352,500.00 ZZ
360 352,317.26 2
557 PROSPECT AVENUE 9.250 2,899.93 75
9.000 2,899.93 470,000.00
BROOKLYN NY 11215 5 11/23/99 00
0431662741 07 01/01/00 0
PALANCA O 12/01/29
0
1953353 K15/G02 F 430,950.00 ZZ
360 430,682.14 1
3089 PUHALA RISE 8.375 3,275.53 85
8.125 3,275.53 507,000.00
HONOLULU HI 96822 1 11/18/99 10
0431712041 05 01/01/00 12
3003510 O 12/01/29
0
1
1953670 T11/G02 F 275,800.00 ZZ
360 275,619.59 1
420 STONE ARBOR COURT 8.125 2,047.81 80
7.875 2,047.81 345,000.00
ATLANTA GA 30331 2 11/22/99 00
0431655018 03 01/01/00 0
0385332 O 12/01/29
0
1954052 918/G02 F 500,000.00 ZZ
360 500,000.00 1
100 TALL OAK CRESCENT 7.500 3,496.07 32
7.250 3,496.07 1,575,000.00
OYSTER BAY COVE NY 11791 1 12/15/99 00
0431738806 05 02/01/00 0
15260 O 01/01/30
0
1954339 N85/G02 F 266,000.00 ZZ
360 265,830.38 1
3099 NORTH ROUNDUP CIRCLE 8.250 1,998.37 75
8.000 1,998.37 355,000.00
THOUSAND OAKS CA 91360 5 11/23/99 00
0431706993 05 01/01/00 0
1954339 O 12/01/29
0
1955993 593/593 F 360,000.00 ZZ
360 359,527.43 1
2270 EAST CANYON VIEW DRIVE 8.125 2,672.99 74
7.875 2,672.99 490,000.00
LAYTON UT 84040 2 10/27/99 00
0007195795 05 12/01/99 0
0007195795 O 11/01/29
0
1955994 593/593 F 275,000.00 ZZ
360 274,456.66 1
2814 WEST DENALI DRIVE 8.125 2,041.87 75
7.875 2,041.87 367,427.00
TAYLORSVILLE UT 84084 1 09/28/99 00
0007146996 03 11/01/99 0
0007146996 O 10/01/29
0
1955995 593/593 F 270,000.00 ZZ
360 269,304.18 1
9048 OPUS DRIVE 8.250 2,028.42 58
8.000 2,028.42 469,900.00
1
LAS VEGAS NV 89117 1 08/25/99 00
0007494024 03 10/01/99 0
0007494024 O 09/01/29
0
1956128 702/702 F 286,200.00 T
360 285,886.17 1
6 THORNDIKE AVENUE 9.000 2,302.83 90
8.750 2,302.83 318,000.00
BIDDEFORD ME 04005 1 10/29/99 10
02100030 05 12/01/99 25
02100030 O 11/01/29
0
1956134 815/G02 F 268,000.00 ZZ
360 267,521.89 1
196-21 COMO AVENUE 8.625 2,084.48 80
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CHINO HILLS CA 91709 1 11/17/99 00
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LOS GATOS CA 95066 1 12/01/99 00
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38073 AUGUSTA DRIVE 8.375 2,124.03 80
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1958786 637/G02 F 273,600.00 ZZ
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SARATOGA CA 95070 2 11/05/99 00
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1959068 163/G02 F 260,800.00 ZZ
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25011 CASTLEWOOD 8.875 2,075.04 80
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LAKE FOREST CA 92630 1 11/12/99 00
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7188642 O 12/01/29
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1959135 N31/G02 F 284,900.00 ZZ
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21621 RUSHFORD DR 8.875 2,266.79 75
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LAKE FOREST CA 92630 1 12/10/99 00
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1959836 K15/G02 F 262,500.00 ZZ
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CYPRESS CA 90630 1 12/10/99 00
0431747922 05 02/01/00 0
099327003000 O 01/01/30
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1
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HIGHLAND UT 84003 1 12/01/99 00
0431704964 05 01/01/00 0
OLSON O 12/01/29
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1960176 F27/F27 F 300,000.00 ZZ
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ALEXANDRIA VA 22314 1 11/19/99 11
6060097826 01 01/01/00 25
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18021840 O 12/01/29
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PORT ORCHARD WA 98367 5 12/01/99 00
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BONITA CA 91902 1 11/24/99 00
0431732106 05 01/01/00 0
3004576 O 12/01/29
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1960282 K15/G02 F 300,000.00 ZZ
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1960302 286/286 F 324,000.00 ZZ
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ALAMEDA CA 94502 5 11/11/99 00
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1960312 286/286 F 288,000.00 ZZ
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41 WAKEFIELD 8.500 2,214.47 80
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IRVINE CA 92620 5 11/02/99 00
08934748 03 01/01/00 0
08934748 O 12/01/29
0
1960319 286/286 F 318,000.00 ZZ
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161 UNIVERSITY STREET 7.875 2,305.72 80
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SAN FRANCISCO CA 94134 5 11/08/99 00
08932576 05 01/01/00 0
1
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1960322 286/286 F 280,000.00 ZZ
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4350 HOLT STREET 8.250 2,103.55 80
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UNION CITY CA 94587 5 10/25/99 00
08932012 05 12/01/99 0
08932012 O 11/01/29
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1960325 286/286 F 426,750.00 ZZ
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10 AMBER LEAF COURT 8.125 3,168.61 80
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NAPA CA 94558 1 11/18/99 00
09686041 05 01/01/00 0
09686041 O 12/01/29
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1960418 163/G02 F 425,350.00 ZZ
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2210 SW ROYAL PLACE 8.500 3,270.57 65
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GRESHAM OR 97080 5 11/12/99 00
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817179468 O 12/01/29
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1960501 E11/G02 F 311,200.00 ZZ
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5735 KATHLEEN COURT 8.500 2,392.86 80
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SHOREWOOD MN 55331 1 12/10/99 00
0431737618 05 02/01/00 0
3119046 O 01/01/30
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1960651 K15/G02 F 265,050.00 ZZ
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12471 N WAYFARER WAY 8.875 2,108.86 95
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TUCSON AZ 85732 2 11/19/99 14
0431706472 05 01/01/00 35
3002020 O 12/01/29
0
1
1960657 H47/G02 F 364,800.00 ZZ
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8105 ROSIERE DRIVE 8.625 2,837.38 80
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APEX NC 27502 1 12/15/99 00
0431715879 05 02/01/00 0
240809473 O 01/01/30
0
1960740 286/286 F 262,500.00 ZZ
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8911 SOUTH SILVER COURT 7.875 1,903.31 79
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LITTLETON CO 80126 5 11/09/99 00
09684462 03 01/01/00 0
09684462 O 12/01/29
0
1960797 637/G02 F 260,700.00 ZZ
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38 COPPERLEAF 8.250 1,958.56 80
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IRVINE CA 92602 1 11/24/99 00
0431709492 05 01/01/00 0
0011003621 O 12/01/29
0
1960798 637/G02 F 450,000.00 ZZ
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11 TIEL WAY 7.875 3,262.82 75
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HOUSTON TX 77019 1 12/07/99 00
0431709583 03 02/01/00 0
0017619420 O 01/01/30
0
1960850 L04/G02 F 283,500.00 ZZ
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DENVER CO 80202 1 12/15/99 04
0431724137 01 02/01/00 25
BAYER O 01/01/30
0
1961033 286/286 F 280,000.00 ZZ
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16192 ALERT LANE 8.125 2,078.99 80
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08936612 09 01/01/00 0
08936612 O 12/01/29
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1961034 286/286 F 340,000.00 ZZ
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28682 RANCHO DEL LAGO 7.875 2,465.24 78
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LAGUNA NIGUEL CA 92656 5 11/01/99 00
08936170 03 12/01/99 0
08936170 O 11/01/29
0
1961205 K79/G02 F 500,000.00 ZZ
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0431729524 05 02/01/00 0
127290383480 N 01/01/30
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1961462 F03/G02 F 260,000.00 ZZ
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NEWCASTLE CA 95658 1 12/01/99 00
0431740331 05 02/01/00 0
ROS10660 O 01/01/30
0
1961467 163/G02 F 297,000.00 ZZ
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137 THIRD STREET 8.000 2,179.28 73
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ENCINITAS CA 92024 2 12/01/99 00
0431719913 01 02/01/00 0
1417170723 N 01/01/30
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1961516 L16/G02 F 264,000.00 ZZ
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0431724079 05 02/01/00 0
99120010 O 01/01/30
0
1
1961669 455/G02 F 365,000.00 ZZ
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0431740729 05 02/01/00 0
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SAN FRANCISCO CA 94121 1 11/11/99 00
0431723352 05 01/01/00 0
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0
1961750 K15/G02 F 310,000.00 ZZ
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CORDOVA TN 38018 4 12/20/99 01
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0
1962097 286/286 F 328,000.00 ZZ
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18331 WHITNEY DRIVE 8.125 2,435.39 80
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SANTA ANA CA 92705 5 11/10/99 00
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1962204 286/286 F 398,000.00 ZZ
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POWAY CA 92064 2 11/19/99 00
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1962239 163/G02 F 403,200.00 ZZ
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5395 LAKESHORE AVENUE 8.750 3,171.98 78
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1962290 286/286 F 280,000.00 ZZ
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SUGAR LAND TX 77478 1 12/03/99 00
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1962305 L20/G02 F 325,800.00 T
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0431733369 05 02/01/00 25
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1962381 163/G02 F 429,600.00 T
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SANTA BARBARA CA 93109 1 12/06/99 00
0431735133 05 02/01/00 0
1817162290 O 01/01/30
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1962391 163/G02 F 272,500.00 ZZ
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1445 NORTH CLEVELAND AVENUE 9.000 2,192.60 58
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CHICAGO IL 60610 1 12/03/99 00
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1
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YORBA LINDA CA 92886 1 12/09/99 00
0431740471 05 02/01/00 0
3006019 O 01/01/30
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1962421 163/G02 F 491,250.00 ZZ
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301 BUDD AVENUE 9.125 3,996.97 75
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CAMPBELL CA 95008 1 11/30/99 00
0431735323 05 02/01/00 0
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1962503 L84/G02 F 300,000.00 ZZ
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0431741388 05 02/01/00 0
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1962705 A52/G02 F 376,000.00 ZZ
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2212 STEPHENS WALK 8.625 2,924.49 80
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DUNWOODY GA 30338 1 12/29/99 00
0431738004 03 02/01/00 0
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1962728 F84/G02 F 280,000.00 ZZ
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STAMFORD CT 06807 1 12/29/99 00
0431750934 05 02/01/00 0
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1
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BOSTON MA 02116 1 12/22/99 00
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1963171 665/G02 F 275,000.00 ZZ
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LIVERMORE CA 94550 1 11/24/99 00
0431742584 05 01/01/00 0
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1963202 665/G02 F 316,000.00 ZZ
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743 PINE AVENUE 8.000 2,318.70 80
7.750 2,318.70 395,000.00
SAN JOSE CA 95125 1 11/19/99 00
0431742493 05 01/01/00 0
9901234323 O 12/01/29
0
1963207 F18/G02 F 335,750.00 ZZ
360 335,750.00 1
60 LYCETT CIRCLE 9.250 2,762.14 85
9.000 2,762.14 395,000.00
1
DALY CITY CA 94015 5 12/22/99 11
0431750470 05 02/01/00 12
R02370 O 01/01/30
0
1963597 J95/J95 F 262,000.00 ZZ
360 261,532.60 1
3553 EAST COVE POINT DRIVE 8.625 2,037.81 75
8.375 2,037.81 351,000.00
SALT LAKE CITY UT 84109 5 09/30/99 00
0014942148 03 11/01/99 0
0014942148 O 10/01/29
0
1963598 J95/J95 F 296,000.00 ZZ
360 295,471.94 1
10295 SW CORMORANT DRIVE 8.625 2,302.26 80
8.375 2,302.26 370,000.00
BEAVERTON OR 97007 5 09/27/99 00
0017054610 03 11/01/99 0
0017054610 O 10/01/29
0
1963605 J95/J95 F 272,000.00 ZZ
360 271,651.91 1
749 NE JACKSON SCHOOL ROAD 8.250 2,043.45 80
8.000 2,043.45 340,000.00
HILLSBORO OR 97124 5 10/06/99 00
0017080862 05 12/01/99 0
0017080862 O 11/01/29
0
1963610 665/G02 F 276,000.00 ZZ
360 275,837.05 1
3300 CRANE WAY 8.625 2,146.70 80
8.375 2,146.70 345,000.00
OAKLAND CA 94602 5 11/17/99 00
0431746353 05 01/01/00 0
9901233682 O 12/01/29
0
1963871 637/G02 F 332,000.00 ZZ
360 332,000.00 1
257 E ENID DRIVE #60 8.500 2,552.80 80
8.000 2,552.80 415,000.00
KEY BISCAYNE FL 33149 1 12/17/99 00
0431749761 08 02/01/00 0
0019155712 O 01/01/30
0
1
1963978 470/G02 F 424,000.00 ZZ
360 424,000.00 1
1 TERRAZA DEL MAR 8.750 3,335.61 80
8.500 3,335.61 530,000.00
DANA POINT CA 92629 1 12/20/99 00
0431751296 03 02/01/00 0
01183231 O 01/01/30
0
1964193 163/G02 F 291,000.00 ZZ
360 290,814.44 1
6 WILDWAY 8.250 2,186.19 80
8.000 2,186.19 364,000.00
EASTCHESTER NY 10583 1 11/24/99 00
0431749969 05 01/01/00 0
1000158446 O 12/01/29
0
1964532 637/G02 F 280,000.00 ZZ
360 280,000.00 1
56 BRIDLE PATH DRIVE 9.625 2,379.97 80
9.375 2,379.97 350,000.00
LINDENHURST IL 60046 5 12/20/99 00
0431752393 05 02/01/00 0
20214672 O 01/01/30
0
2865219 G41/G02 F 386,250.00 ZZ
360 385,093.29 1
4649 WENDRICK DRIVE 8.625 3,004.21 75
8.375 3,004.21 515,000.00
WEST BLOOMFIELD MI 48323 5 07/24/99 00
0431414226 05 09/01/99 0
61109313 O 08/01/29
0
2895256 074/074 F 400,000.00 ZZ
360 398,605.41 1
18 RED SABLE DRIVE 7.875 2,900.28 62
7.625 2,900.28 655,000.00
THE WOODLANDS TX 77380 1 07/30/99 00
1532044085 03 09/01/99 0
1532044085 O 08/01/29
0
2967561 K08/G02 F 259,200.00 ZZ
360 258,868.30 1
1
6376 FOREST GROVE DRIVE 8.250 1,947.28 85
8.000 1,947.28 305,000.00
MEMPHIS TN 38119 1 10/14/99 04
0411620610 05 12/01/99 20
0411620610 O 11/01/29
0
2975808 736/G02 F 432,300.00 ZZ
360 431,705.90 1
409 NEWBURGH COURT 9.875 3,753.88 80
9.625 3,753.88 541,000.00
WEST NEW YORK NJ 07093 1 09/30/99 00
0431587013 01 11/01/99 0
939510 O 10/01/29
0
2975819 736/G02 F 446,250.00 ZZ
360 441,817.82 1
1250 CENTER HARBOR PLACE 9.125 3,630.84 75
8.875 3,630.84 595,000.00
RESTON VA 20194 1 09/29/99 00
0431587112 03 11/01/99 0
943551 O 10/01/29
0
2975823 736/G02 F 385,200.00 ZZ
360 384,799.06 1
11021 EAST RAINTREE DRIVE 9.250 3,168.95 80
9.000 3,168.95 481,500.00
SCOTTSDALE AZ 85259 1 10/01/99 00
0431587039 03 12/01/99 0
945253 O 11/01/29
0
2975826 736/G02 F 326,200.00 ZZ
360 325,110.66 1
2501 MONTCLAIRE CIRCLE 9.000 2,624.68 70
8.750 2,624.68 466,735.00
WESTON FL 33327 1 06/30/99 00
0431586981 03 08/01/99 0
945931 O 07/01/29
0
2975838 736/G02 F 536,000.00 ZZ
360 535,091.84 3
1584 RIVERSIDE PLACE 8.875 4,264.66 80
8.625 4,264.66 670,000.00
COSTA MESA CA 92627 1 09/23/99 00
0431650316 23 11/01/99 0
1
950511 O 10/01/29
0
2975867 736/G02 F 279,900.00 ZZ
360 279,231.80 1
15900 SOUTHWEST CORMORANT DRIV 8.625 2,177.03 80
8.375 2,177.03 349,900.00
BEAVERTON OR 97007 1 08/25/99 00
0431586460 03 10/01/99 0
956829 O 09/01/29
0
2993767 074/074 F 261,000.00 ZZ
360 260,534.36 1
8 ROSS PLACE 8.625 2,030.04 75
8.375 2,030.04 348,000.00
TAPPAN NY 10983 5 09/27/99 00
1106279244 05 11/01/99 0
1106279244 O 10/01/29
0
2993841 074/074 F 356,000.00 ZZ
360 355,034.89 1
29877 BUFFALO PARK ROAD 8.000 2,612.21 72
7.750 2,612.21 498,000.00
EVERGREEN CO 80439 2 08/23/99 00
1579120085 05 10/01/99 0
1579120085 O 09/01/29
0
3010244 253/253 F 322,500.00 ZZ
360 322,065.76 1
1500 COUNTY ROAD 259 8.000 2,366.40 75
7.750 2,366.40 430,000.00
RIFLE CO 81650 5 10/18/99 00
946437 05 12/01/99 0
946437 O 11/01/29
0
3025315 976/R97 F 297,500.00 ZZ
360 297,190.35 1
25280 SEA VISTA DRIVE 9.250 2,447.46 70
9.000 2,447.46 425,000.00
WAVES NC 27982 2 10/26/99 00
0431660919 03 12/01/99 0
5616191 N 11/01/29
0
1
3042501 163/G02 F 328,000.00 T
360 327,611.31 1
7772 SANDHILL COURT 8.625 2,551.15 80
8.375 2,551.15 410,000.00
WEST PALM BEACH FL 33412 1 10/28/99 00
0431731736 03 12/01/99 0
0373605554 O 11/01/29
0
3044075 K08/G02 F 270,600.00 ZZ
360 270,436.07 1
2 HILLSIDE DRIVE 8.500 2,080.68 80
8.250 2,080.68 338,305.00
PLACITAS NM 87043 1 11/24/99 00
0411385651 05 01/01/00 0
0411385651 O 12/01/29
0
3044103 K08/G02 F 258,000.00 ZZ
240 257,575.42 1
880 JOHN RIDGE COVE 8.250 2,198.33 85
8.000 2,198.33 304,000.00
COLLIERVILLE TN 38017 5 11/19/99 04
0411701741 05 01/01/00 12
0411701741 O 12/01/19
0
3049356 F42/G02 F 372,000.00 ZZ
360 371,570.38 1
2642 GRACE DRIVE 8.750 2,926.53 75
8.500 2,926.53 500,000.00
FT LAUDERDALE FL 33316 1 10/13/99 00
0431686815 05 12/01/99 0
99LA0143 O 11/01/29
0
3050878 286/286 F 308,000.00 ZZ
360 305,878.30 1
865 BUTTS MILL RD 7.750 2,206.55 70
7.500 2,206.55 440,000.00
PINE MOUNTAIN GA 31822 5 02/26/99 00
0000617611 05 05/01/99 0
0000617611 O 04/01/29
0
3050907 286/286 F 283,000.00 ZZ
360 281,501.94 1
783 BOULDER RIDGE DR 7.500 1,978.78 85
7.250 1,978.78 333,779.00
1
BELVIDERE IL 61008 1 05/14/99 21
0009429100 05 07/01/99 12
0009429100 O 06/01/29
0
3050917 286/286 F 260,500.00 ZZ
360 258,879.70 1
6807 BELL RD 7.375 1,799.21 79
7.125 1,799.21 330,000.00
BIRCH RUN MI 48415 5 04/05/99 00
0009515861 05 06/01/99 0
0009515861 O 05/01/29
0
3050945 286/286 F 273,700.00 ZZ
360 273,331.47 1
14 JACOB DR 8.000 2,008.32 85
7.750 2,008.32 322,000.00
WEST WINDSOR NJ 08550 1 10/29/99 10
0009631415 05 12/01/99 12
0009631415 O 11/01/29
0
3050955 286/286 F 494,000.00 ZZ
360 493,487.29 1
26495 SOUTHGATE TRAIL 8.000 3,624.80 76
7.750 3,624.80 650,000.00
BARRINGTON IL 60010 1 11/05/99 00
0009655908 05 01/01/00 0
0009655908 O 12/01/29
0
3050957 286/286 F 461,600.00 ZZ
360 461,305.65 1
26110 CAROL AVE 8.250 3,467.85 80
8.000 3,467.85 577,000.00
FRANKLIN VILLAG MI 48025 1 11/04/99 00
0009656774 05 01/01/00 0
0009656774 O 12/01/29
0
3051597 405/405 F 280,000.00 ZZ
360 279,650.72 1
22393 CASS AVE 8.375 2,128.20 80
8.125 2,128.20 350,000.00
WOODLAND HILLS CA 91364 1 10/08/99 00
11344405 05 12/01/99 0
11344405 O 11/01/29
0
1
3051611 405/405 F 476,000.00 ZZ
360 475,059.55 1
5012 ROLLING MEADOWS RD 8.125 3,534.29 80
7.875 3,534.29 595,000.00
ROLLINGS HILLSE CA 90274 1 09/07/99 00
16287310 05 11/01/99 0
16287310 O 10/01/29
0
3053081 076/076 F 346,000.00 ZZ
360 345,600.43 1
361 N QUAKER HILL RD 8.750 2,721.98 74
8.500 2,721.98 470,000.00
PAWLING NY 12564 5 10/25/99 00
9675423 05 12/01/99 0
9675423 O 11/01/29
0
3054152 K08/G02 F 340,000.00 ZZ
360 339,794.02 1
9 NORTHWOOD COURT 8.500 2,614.31 80
8.250 2,614.31 425,000.00
ORINDA CA 94563 1 11/19/99 00
0411604077 05 01/01/00 0
0411604077 O 12/01/29
0
3056172 074/074 F 300,000.00 ZZ
360 299,803.76 1
1801 OLE HOLLOW COURT 8.125 2,227.49 80
7.875 2,227.49 379,000.00
OAK RIDGE NC 27310 1 11/02/99 00
1841133931 03 01/01/00 0
1841133931 O 12/01/29
0
3056174 074/074 F 408,000.00 ZZ
360 407,765.26 2
6 IDAR COURT 8.750 3,209.74 80
8.500 3,209.74 510,000.00
GREENWICH CT 06830 1 11/08/99 00
1817177690 05 01/01/00 0
1817177690 O 12/01/29
0
3056176 074/074 F 375,000.00 ZZ
360 374,619.78 1
1
50 LONGWOOD AVENUE UNIT 518 9.375 3,119.06 75
9.125 3,119.06 500,000.00
BROOKLINE MA 02446 5 10/20/99 00
1813129095 06 12/01/99 0
1813129095 O 11/01/29
0
3056179 074/074 F 345,000.00 ZZ
360 344,580.52 1
41 E STONE STREET 8.500 2,652.75 72
8.250 2,652.75 480,000.00
LAKE FOREST IL 60045 1 11/04/99 00
1637000012 05 12/01/99 0
1637000012 O 11/01/29
0
3056183 074/074 F 367,200.00 ZZ
360 366,827.69 1
401 E ONTARIO STREET UNIT 4306 9.375 3,054.18 69
9.125 3,054.18 538,900.00
CHICAGO IL 60611 1 10/15/99 00
1610017524 06 12/01/99 0
1610017524 N 11/01/29
0
3056184 074/074 F 395,500.00 ZZ
360 395,247.80 1
209 S FORMOSA AVENUE 8.250 2,971.26 70
8.000 2,971.26 565,000.00
LOS ANGELES CA 90036 1 11/02/99 00
1596148659 05 01/01/00 0
1596148659 N 12/01/29
0
3056185 074/074 F 393,000.00 T
360 392,801.53 1
131 BEAVER TRAIL 9.375 3,268.78 79
9.125 3,268.78 500,000.00
MAMMOTH LAKES CA 93546 1 11/01/99 00
1596147770 05 01/01/00 0
1596147770 O 12/01/29
0
3056186 074/074 F 631,900.00 ZZ
360 631,242.29 1
862 LYNNHAVEN LANE 9.250 5,198.49 71
9.000 5,198.49 900,000.00
LA CANADA FLINT CA 91011 2 10/13/99 00
1596145785 05 12/01/99 0
1
1596145785 O 11/01/29
0
3056189 074/074 F 300,000.00 ZZ
360 299,644.49 1
14 ROBERTS DRIVE 8.625 2,333.37 80
8.375 2,333.37 375,000.00
SHIP BOTTOM NJ 08008 1 11/03/99 00
1587270447 05 12/01/99 0
1587270447 O 11/01/29
0
3056193 074/074 F 600,000.00 ZZ
360 599,697.00 1
20 LONGMEADOW ROAD 9.375 4,990.50 53
9.125 4,990.50 1,150,000.00
WINNETKA IL 60093 2 11/03/99 00
1583251983 05 01/01/00 0
1583251983 O 12/01/29
0
3056194 074/074 F 300,000.00 ZZ
360 299,852.43 1
1743 HEATHER HILL CRESCENT 9.500 2,522.57 76
9.250 2,522.57 395,000.00
FLOSSMOOR IL 60422 2 11/01/99 00
1583251418 05 01/01/00 0
1583251418 O 12/01/29
0
3056198 074/074 F 316,000.00 ZZ
360 315,662.38 1
2607 W HURON STREET 9.125 2,571.09 70
8.875 2,571.09 453,000.00
CHICAGO IL 60612 2 10/19/99 00
1583248537 05 12/01/99 0
1583248537 O 11/01/29
0
3056207 074/074 F 500,000.00 ZZ
360 499,506.17 1
15 LOCKWOOD AVENUE 9.500 4,204.27 79
9.250 4,204.27 640,000.00
GREENWICH CT 06870 1 10/07/99 00
1580175620 05 12/01/99 0
1580175620 O 11/01/29
0
1
3056213 074/074 F 280,000.00 ZZ
360 279,632.42 1
23827 LAKEVIEW COURT 8.125 2,079.00 58
7.875 2,079.00 490,000.00
AUBURN CA 95602 1 10/15/99 00
1569256502 03 12/01/99 0
1569256502 O 11/01/29
0
3056215 074/074 F 340,000.00 ZZ
360 339,823.73 1
573 BONNIE BLUFF COURT 9.250 2,797.10 80
9.000 2,797.10 425,000.00
ENCINITAS CA 92024 1 11/03/99 00
1567289078 03 01/01/00 0
1567289078 O 12/01/29
0
3056220 074/074 F 324,000.00 ZZ
360 323,644.71 1
2095 CALLE TECOLOTE 9.000 2,606.98 80
8.750 2,606.98 405,000.00
SANTA FE NM 87505 1 10/27/99 00
1563316260 05 12/01/99 0
1563316260 O 11/01/29
0
3056221 074/074 F 433,000.00 ZZ
360 432,560.95 1
44 LILY COURT 9.375 3,601.48 79
9.125 3,601.48 550,000.00
DANVILLE CA 94506 2 10/19/99 00
1561462500 03 12/01/99 0
1561462500 O 11/01/29
0
3056222 074/074 F 320,000.00 ZZ
360 319,658.11 1
45040 PAWNEE DRIVE 9.125 2,603.63 63
8.875 2,603.63 510,000.00
FREMONT CA 94539 2 10/13/99 00
1561461960 05 12/01/99 0
1561461960 O 11/01/29
0
3056223 074/074 F 390,000.00 ZZ
360 389,604.56 1
4591 TERRA PLACE 9.375 3,243.83 56
9.125 3,243.83 700,000.00
1
SAN JOSE CA 95121 2 10/08/99 00
1561460298 05 12/01/99 0
1561460298 O 11/01/29
0
3056234 074/074 F 374,500.00 ZZ
360 374,067.51 1
1517 S MIRAMAR AVENUE 8.750 2,946.19 70
8.500 2,946.19 535,000.00
INDIALANTIC FL 32903 1 10/22/99 00
1391080350 05 12/01/99 0
1391080350 O 11/01/29
0
3056247 074/074 F 330,000.00 ZZ
360 329,819.74 1
27 EASTVIEW COURT 9.000 2,655.26 75
8.750 2,655.26 440,000.00
SAG HARBOR NY 11963 1 11/10/99 00
1111334240 05 01/01/00 0
1111334240 O 12/01/29
0
3056251 074/074 F 264,000.00 ZZ
360 263,668.15 1
30 THOMPSON STREET 8.625 2,053.37 80
8.375 2,053.37 330,000.00
VALLEY STREAM NY 11580 1 10/27/99 00
1109003206 05 12/01/99 0
1109003206 O 11/01/29
0
3057155 K08/G02 F 468,000.00 ZZ
360 467,685.98 1
5944 WEST FITCH AVENUE 8.000 3,434.02 79
7.750 3,434.02 594,000.00
CHICAGO IL 60646 1 11/30/99 00
0411695356 05 01/01/00 0
0411695356 O 12/01/29
0
3057175 K08/G02 F 407,000.00 ZZ
360 406,765.84 1
18309 SE FEDERAL HIGHWAY 8.750 3,201.87 51
8.500 3,201.87 800,000.00
TEQUESTA FL 33469 2 11/24/99 00
0411708662 05 01/01/00 0
0411708662 O 12/01/29
0
1
3057178 K08/G02 F 510,000.00 ZZ
360 509,721.42 1
881 RUBIS DRIVE 9.000 4,103.58 75
8.750 4,103.58 680,000.00
SUNNYVALE CA 94087 1 11/23/99 00
0411710346 05 01/01/00 0
0411710346 O 12/01/29
0
3058576 562/G02 F 328,500.00 ZZ
360 328,320.56 1
253 HOSMER AVENUE 9.000 2,643.19 90
8.750 2,643.19 365,000.00
BRONX NY 10465 1 11/29/99 04
0431669639 07 01/01/00 25
613398 O 12/01/29
0
3060129 975/G02 F 330,000.00 ZZ
360 329,789.57 1
1724 ROCKEFELLER LANE 8.250 2,479.18 75
8.000 2,479.18 440,000.00
REDONDO BEACH CA 90278 5 11/05/99 00
0431677731 05 01/01/00 0
992891 O 12/01/29
0
3061294 K08/G02 F 309,000.00 ZZ
360 308,835.56 1
560 TOWNSEND 9.125 2,514.13 75
8.875 2,514.13 412,000.00
BIRMINGHAM MI 48009 1 12/01/99 00
0411698012 05 01/01/00 0
0411698012 N 12/01/29
0
3062278 623/623 F 270,000.00 ZZ
360 269,703.92 1
476 ETON DRIVE 9.000 2,172.48 75
8.750 2,172.48 360,000.00
NORTH BARRINGTO IL 60010 1 11/03/99 00
1376346 05 12/01/99 0
1376346 O 11/01/29
0
3062284 623/623 F 256,000.00 ZZ
360 255,863.77 1
1
7965 SHORESIDE DRIVE 9.125 2,082.90 80
8.875 2,082.90 320,000.00
TRAVERSE CITY MI 49684 1 11/05/99 00
1376991 05 01/01/00 0
1376991 O 12/01/29
0
3065177 K08/G02 F 337,600.00 ZZ
360 337,410.73 1
95 LOIS LANE 8.875 2,686.10 80
8.625 2,686.10 422,000.00
SAN FRANCISCO CA 94134 1 11/23/99 00
0411724123 05 01/01/00 0
0411724123 O 12/01/29
0
3068491 526/526 F 282,000.00 ZZ
360 281,229.16 1
14356 37TH AVE NE 8.500 2,168.34 76
8.250 2,168.34 375,000.00
SEATTLE WA 98155 2 11/17/99 00
0385490 05 01/01/00 0
0385490 O 12/01/29
0
3068505 526/526 F 298,800.00 ZZ
360 298,636.79 1
5424 NORTH BOBSLED BLVD 9.000 2,404.21 90
8.750 2,404.21 332,000.00
PARK CITY UT 84098 1 11/02/99 12
0386577 05 01/01/00 25
0386577 N 12/01/29
0
3068514 526/526 F 292,000.00 ZZ
360 291,799.04 1
1123 W MAPLEWOOD ST 7.875 2,117.21 80
7.625 2,117.21 365,000.00
CHANDLER AZ 85248 1 11/17/99 00
0387962 03 01/01/00 0
0387962 N 12/01/29
0
3068673 526/526 F 600,000.00 ZZ
360 599,251.54 4
204 BELLE AVE 11,11A 8.375 4,560.43 80
15 VALENCIA AVE 8.125 4,560.43 750,000.00
SAN RAFAEL CA 94901 1 10/29/99 00
0385413 05 12/01/99 0
1
0385413 O 11/01/29
0
3068674 526/526 F 272,000.00 ZZ
360 271,693.91 1
4702 N 40TH PL 8.875 2,164.15 80
8.625 2,164.15 340,000.00
PHOENIX AZ 85018 5 10/18/99 00
0385566 05 12/01/99 0
0385566 O 11/01/29
0
3068680 526/526 F 357,000.00 ZZ
360 356,794.60 1
7687 EAST MARY SHARON 8.750 2,808.53 80
8.500 2,808.53 450,000.00
SCOTTSDALE AZ 85255 2 11/09/99 00
0386782 03 01/01/00 0
0386782 O 12/01/29
0
3068888 K08/G02 F 287,900.00 ZZ
360 287,900.00 1
15450 IOLA STREET 8.375 2,188.25 80
8.125 2,188.25 359,900.00
BRIGHTON CO 80601 1 12/03/99 00
0411612021 05 02/01/00 0
0411612021 O 01/01/30
0
3068898 K08/G02 F 289,000.00 ZZ
360 288,833.73 1
18570 CARLWYN DRIVE 8.750 2,273.56 75
8.500 2,273.56 389,000.00
CASTRO VALLEY CA 94546 1 11/22/99 00
0411689185 05 01/01/00 0
0411689185 O 12/01/29
0
3071453 246/G02 F 291,750.00 ZZ
360 291,446.33 1
3606 NORTH ABINGDON STREET 9.250 2,400.16 75
9.000 2,400.16 389,000.00
ARLINGTON VA 22207 1 10/28/99 00
0431687334 05 12/01/99 0
031662 O 11/01/29
0
1
3071648 G75/G75 F 265,000.00 ZZ
360 264,851.44 1
15290 67TH STREET SOUTH 8.875 2,108.46 59
8.625 2,108.46 450,000.00
DENMARK TOWNSHI MN 55033 2 11/10/99 00
03606627 05 01/01/00 0
03606627 O 12/01/29
0
3071653 G75/G75 F 292,800.00 ZZ
360 292,584.85 1
5028 ABBOT RUN COURT 8.750 2,303.46 80
8.500 2,303.46 366,000.00
HAMILTON OH 45011 1 11/12/99 00
03882708 03 01/01/00 0
03882708 O 12/01/29
0
3071657 G75/G75 F 339,950.00 ZZ
360 339,733.22 1
14 CASTLE HILL DRIVE 8.250 2,553.94 60
8.000 2,553.94 567,053.00
MARLBORO NJ 07751 1 11/22/99 00
03766067 05 01/01/00 0
03766067 O 12/01/29
0
3076138 K08/G02 F 375,000.00 ZZ
360 375,000.00 1
16170 JACARANDA WAY 8.500 2,883.43 54
8.250 2,883.43 700,000.00
LOS GATOS CA 95032 5 12/01/99 00
0411706591 05 02/01/00 0
0411706591 O 01/01/30
0
3079035 K08/G02 F 457,300.00 ZZ
360 457,300.00 1
15 VINEYARD DRIVE 8.375 3,475.81 67
8.125 3,475.81 685,000.00
SAN ANTONIO TX 78257 5 12/03/99 00
0411720733 03 02/01/00 0
0411720733 O 01/01/30
0
3080236 664/G02 F 254,000.00 ZZ
360 253,674.95 1
4496 SKYGLEN COURT 8.250 1,908.22 80
8.000 1,908.22 317,500.00
1
MOORPARK CA 93021 1 10/04/99 00
0431733575 03 12/01/99 0
0003192150 O 11/01/29
0
3080836 685/G02 F 335,000.00 ZZ
360 334,797.05 1
1255 SHELL AVENUE 8.500 2,575.87 78
8.250 2,575.87 435,000.00
PACIFIC GROVE CA 93950 5 11/24/99 00
0431713965 05 01/01/00 0
207882 O 12/01/29
0
3082356 K08/G02 F 370,000.00 ZZ
360 370,000.00 1
278 NEVADA AVENUE 8.625 2,877.82 79
8.375 2,877.82 470,000.00
MOSS BEACH CA 94038 1 12/03/99 00
0411731920 05 02/01/00 0
0411731920 O 01/01/30
0
3082536 E82/G02 F 255,500.00 ZZ
360 255,349.16 1
8701 WEST SURREY PARK 8.625 1,987.25 79
8.375 1,987.25 325,000.00
PALOS HILLS IL 60456 2 12/03/99 00
0400242731 05 01/01/00 0
0400242731 O 12/01/29
0
3083178 664/G02 F 272,000.00 ZZ
360 271,502.14 1
21404 ANGELA YVONNE AVENUE 8.500 2,091.45 80
8.250 2,091.45 340,000.00
SANTA CLARITA CA 91350 5 09/29/99 00
0431741370 03 11/01/99 0
0003259538 O 10/01/29
0
3083248 664/G02 F 480,000.00 ZZ
360 479,416.36 1
31892 VIA PATO 8.500 3,690.79 78
8.250 3,690.79 617,000.00
TRABUCO CANYON CA 92679 5 10/07/99 00
0431741321 03 12/01/99 0
0003266632 O 11/01/29
0
1
3087718 K08/G02 F 340,000.00 ZZ
360 340,000.00 1
27 WOODBRIDGE WAY 8.375 2,584.25 80
8.125 2,584.25 425,000.00
NOVATO CA 94949 1 12/07/99 00
0411628209 03 02/01/00 0
0411628209 O 01/01/30
0
3087746 K08/G02 F 254,700.00 ZZ
360 254,700.00 1
7635 JOHN PELHAM TRAIL 8.875 2,026.51 90
8.625 2,026.51 283,000.00
MCCALLA AL 35111 1 12/13/99 01
0411737240 05 02/01/00 25
0411737240 O 01/01/30
0
3093101 K08/G02 F 558,750.00 ZZ
360 558,750.00 1
1619 UPPER WEIMER ROAD 8.375 4,246.90 80
8.125 4,246.90 700,000.00
TAOS NM 87571 2 12/10/99 00
0411737786 05 02/01/00 0
0411737786 O 01/01/30
0
3093104 K08/G02 F 277,000.00 ZZ
360 277,000.00 1
605 WEST KEYSTONE AVENUE 8.500 2,129.89 70
8.250 2,129.89 400,000.00
WOODLAND CA 95695 5 12/09/99 00
0411740921 05 02/01/00 0
0411740921 O 01/01/30
0
3095403 K08/G02 F 332,000.00 ZZ
360 332,000.00 1
435 BOYNTON AVENUE 8.500 2,552.79 80
8.250 2,552.79 415,000.00
BERKELEY CA 94707 1 12/01/99 00
0411711450 05 02/01/00 0
0411711450 N 01/01/30
0
3095426 K08/G02 F 435,000.00 ZZ
360 435,000.00 1
1
2655 VISTA ORNADA 8.125 3,229.86 80
7.875 3,229.86 545,000.00
NEWPORT BEACH CA 92660 1 12/13/99 00
0411751183 03 02/01/00 0
0411751183 O 01/01/30
0
3095427 K08/G02 F 312,000.00 ZZ
360 312,000.00 1
24 PASO MEDIANO 8.375 2,371.43 80
8.125 2,371.43 390,000.00
CARMEL VALLEY CA 93924 1 12/13/99 00
0411755028 05 02/01/00 0
0411755028 O 01/01/30
0
3096599 G32/G02 F 298,000.00 ZZ
360 298,000.00 1
604 W. SYCAMORE ST. 8.625 2,317.82 77
8.375 2,317.82 390,000.00
VERNON HILLS IL 60061 2 12/17/99 00
0431734938 05 02/01/00 0
1006080 O 01/01/30
0
3096669 601/G02 F 300,000.00 ZZ
360 300,000.00 1
146 GRANDVIEW DR 8.875 2,386.94 80
8.625 2,386.94 375,000.00
INMAN SC 29349 1 12/14/99 00
0431721380 05 02/01/00 0
60141272 O 01/01/30
0
3099676 K08/G02 F 287,200.00 T
360 287,200.00 1
HC11 BOX 66 8.500 2,208.32 66
8.250 2,208.32 440,000.00
KAMIAH ID 83536 4 12/07/99 00
0411722465 04 02/01/00 0
0411722465 O 01/01/30
0
3099692 K08/G02 F 260,000.00 ZZ
360 260,000.00 1
5934 MONTEREY AVENUE 8.625 2,022.25 80
8.375 2,022.25 325,000.00
RICHMOND CA 94805 5 12/15/99 00
0411743479 05 02/01/00 0
1
0411743479 O 01/01/30
0
3099826 K08/G02 F 310,000.00 ZZ
360 310,000.00 1
230 MONTAIR DRIVE 9.500 2,606.65 37
9.250 2,606.65 850,000.00
DANVILLE CA 94526 5 12/14/99 00
0411727480 05 02/01/00 0
0411727480 O 01/01/30
0
3101394 076/076 F 590,000.00 ZZ
360 589,669.24 1
1 JILLIAN CIR 8.875 4,694.31 50
8.625 4,694.31 1,200,000.00
WEST HARTFORD CT 06107 2 11/05/99 00
2578091 05 01/01/00 0
2578091 O 12/01/29
0
3101409 076/076 F 335,000.00 ZZ
360 334,807.26 1
5355 PARSONAGE DR 8.750 2,635.45 64
8.500 2,635.45 525,000.00
OMAHA NE 68152 2 11/03/99 00
9866224 05 01/01/00 0
9866224 O 12/01/29
0
3101675 455/G02 F 750,000.00 ZZ
360 750,000.00 1
8088 MILFORD ROAD 9.000 6,034.67 63
8.750 6,034.67 1,200,000.00
GAINESVILLE GA 30506 5 12/08/99 00
0431734086 05 02/01/00 0
09000102 O 01/01/30
0
3102294 K08/G02 F 396,000.00 ZZ
360 396,000.00 1
82 MAPLE PARKWAY 9.750 3,402.25 90
9.500 3,402.25 440,000.00
SPARTA NJ 07871 5 12/17/99 10
0411739139 03 02/01/00 25
0411739139 O 01/01/30
0
1
3104450 K08/G02 F 272,000.00 ZZ
360 272,000.00 1
189 SUBURBIA COURT 8.625 2,115.59 80
8.375 2,115.59 340,000.00
SANTA CRUZ CA 95062 1 12/08/99 00
0411725393 05 02/01/00 0
0411725393 N 01/01/30
0
3104456 K08/G02 F 299,700.00 ZZ
360 299,700.00 1
1668 NORTHWEST ALBANY AVE 9.625 2,547.42 90
9.375 2,547.42 333,000.00
BEND OR 97701 1 12/15/99 04
0411739204 05 02/01/00 25
0411739204 N 01/01/30
0
3104460 K08/G02 F 478,100.00 ZZ
360 478,100.00 1
10215 JEAN ELLEN DRIVE 8.750 3,761.21 70
8.500 3,761.21 683,000.00
GILROY CA 95020 1 12/14/99 00
0411747553 05 02/01/00 0
0411747553 O 01/01/30
0
3106749 696/G02 F 434,500.00 ZZ
360 434,500.00 1
1418 INGLESIDE AVENUE 8.875 3,457.08 77
8.625 3,457.08 565,000.00
MCLEAN VA 22101 2 12/23/99 00
0431739218 03 02/01/00 0
21599126 O 01/01/30
0
3109550 K08/G02 F 311,600.00 ZZ
360 311,600.00 1
7640 HAZEL AVENUE 8.750 2,451.36 80
8.500 2,451.36 389,500.00
ORANGEVALE CA 95662 2 12/21/99 00
0411757065 05 02/01/00 0
0411757065 N 01/01/30
0
3110625 E86/G02 F 256,000.00 ZZ
360 256,000.00 1
45 RIDGEWOOD ROAD 8.375 1,945.78 80
8.125 1,945.78 320,000.00
1
RIDGEFIELD CT 06877 1 12/15/99 00
0431738137 05 02/01/00 0
51931 O 01/01/30
0
3110693 E86/G02 F 472,500.00 ZZ
360 472,500.00 1
162 WEST BROOKSIDE 9.250 3,887.14 90
9.000 3,887.14 525,000.00
LARCHMONT NY 10538 1 12/16/99 01
0431738186 05 02/01/00 25
52375 O 01/01/30
0
3112722 286/286 F 433,000.00 ZZ
360 432,730.86 1
520 LEMMON ST 8.375 3,291.12 79
8.125 3,291.12 550,000.00
WEST MINSTER MD 21157 5 11/10/99 00
0000639029 05 01/01/00 0
0000639029 O 12/01/29
0
3112725 286/286 F 616,000.00 ZZ
360 615,597.05 1
4971 W PALOMINO RD 8.125 4,573.79 80
7.875 4,573.79 770,000.00
PHOENIX AZ 85018 5 11/05/99 00
0000643915 05 01/01/00 0
0000643915 O 12/01/29
0
3112726 286/286 F 470,000.00 ZZ
360 469,684.64 1
2826 SILVER PLACE 8.000 3,448.69 77
7.750 3,448.69 615,000.00
SUPERIOR CO 80027 5 11/10/99 00
0000644392 03 01/01/00 0
0000644392 O 12/01/29
0
3112727 286/286 F 459,000.00 ZZ
360 458,684.12 1
2020 WOODSWAY DR 7.875 3,328.07 90
7.625 3,328.07 510,000.00
GREENWOOD IN 46143 1 11/16/99 10
0000645316 05 01/01/00 25
0000645316 O 12/01/29
0
1
3112728 286/286 F 488,000.00 ZZ
360 487,655.58 1
2305 WHITE OAK ROAD 7.750 3,496.09 80
7.500 3,496.09 610,012.00
RALEIGH NC 27608 1 11/16/99 00
0000645557 05 01/01/00 0
0000645557 O 12/01/29
0
3112729 286/286 F 449,500.00 ZZ
360 449,500.00 1
2127 CHANDLER LN 7.875 3,259.19 77
7.625 3,259.19 585,000.00
GLENVIEW IL 60025 2 12/06/99 00
0000645701 05 02/01/00 0
0000645701 O 01/01/30
0
3112731 286/286 F 292,500.00 ZZ
360 292,327.31 1
18472 W PORTER DRIVE 8.625 2,275.03 77
8.375 2,275.03 380,000.00
GOODYEAR AZ 85338 2 11/24/99 00
0000646194 03 01/01/00 0
0000646194 O 12/01/29
0
3112733 286/286 F 295,000.00 ZZ
360 295,000.00 1
3467 EMY'S PLACE 7.250 2,012.43 77
7.000 2,012.43 384,554.00
MONROVIA MD 21770 1 12/08/99 00
0009541289 05 02/01/00 0
0009541289 O 01/01/30
0
3112734 286/286 F 356,000.00 ZZ
360 355,588.85 1
5372 GAULEY RIVER DRIVE 8.750 2,800.66 80
8.500 2,800.66 445,000.00
STONE MOUNTAIN GA 30087 1 11/05/99 00
0009608612 05 12/01/99 0
0009608612 O 11/01/29
0
3115796 K08/G02 F 260,000.00 ZZ
360 260,000.00 1
1
10150 SNOWBIRD DRIVE 8.875 2,068.68 80
8.625 2,068.68 325,000.00
RANCHO CUCAMONG CA 91737 2 12/19/99 00
0411508153 05 02/01/00 0
0411508153 O 01/01/30
0
3115812 K08/G02 F 288,000.00 ZZ
360 288,000.00 1
614 NORTH HIGHWAY 101 7.875 2,088.20 80
7.625 2,088.20 360,000.00
DEPOE BAY OR 97341 1 12/23/99 00
0411733306 05 02/01/00 0
0411733306 O 01/01/30
0
TOTAL NUMBER OF LOANS : 216
TOTAL ORIGINAL BALANCE : 76,314,300.00
TOTAL PRINCIPAL BALANCE : 76,246,816.25
TOTAL ORIGINAL P+I : 590,740.61
TOTAL CURRENT P+I : 590,740.61
***************************
* END OF REPORT *
***************************
<PAGE>
1
RUN ON : 01/21/00 RFC DISCLOSURE SYSTEM RFFSDFIX-01
AT : 15.14.02 FIXED PASSTHRU REPORT AMORTIZED BALANCE
SERIES : RALI 2000-QS1 NON-CONFORMING CUTOFF : 01/01/00
POOL : 0004421
:
:
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
--------------------------------------------------------------------------
1895999 .2500
308,184.87 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1913184 .2500
444,838.52 .0300
7.0000 .0000
6.7500 .0000
6.7200 .0000
6.7200 .0000
1946610 .2500
349,798.63 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1946830 .2500
458,115.90 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
1951262 .2500
255,680.67 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1951481 .2500
799,476.69 .0800
8.1250 .0000
7.8750 .0000
7.7950 .0000
7.7500 .0450
1
1952122 .2500
548,213.27 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
1952314 .2500
352,317.26 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
1953353 .2500
430,682.14 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1953670 .2500
275,619.59 .0800
8.1250 .0000
7.8750 .0000
7.7950 .0000
7.7500 .0450
1954052 .2500
500,000.00 .0300
7.5000 .0000
7.2500 .0000
7.2200 .0000
7.2200 .0000
1954339 .2500
265,830.38 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
1955993 .2500
359,527.43 .0800
8.1250 .0000
7.8750 .0000
7.7950 .0000
7.7500 .0450
1955994 .2500
274,456.66 .0800
8.1250 .0000
7.8750 .0000
7.7950 .0000
7.7500 .0450
1
1955995 .2500
269,304.18 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
1956128 .2500
285,886.17 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1956134 .2500
267,521.89 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1956277 .2500
403,482.99 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
1956297 .2500
413,166.90 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1956369 .2500
329,000.56 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1956408 .2500
347,043.83 .0800
8.1250 .0000
7.8750 .0000
7.7950 .0000
7.7500 .0450
1957030 .2500
334,269.80 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
7.5950 .0000
1
1957035 .2500
386,788.61 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1957144 .2500
292,000.00 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
1957242 .2500
326,991.36 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
1957351 .2500
284,553.35 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
1957659 .2500
343,686.25 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1958063 .2500
359,576.36 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1958308 .2500
465,288.50 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
1958313 .2500
519,700.83 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1
1958404 .2500
275,810.05 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
7.5950 .0000
1958465 .2500
350,287.67 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1958484 .2500
262,336.84 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1958488 .2500
345,600.00 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
7.7200 .0000
1958494 .2500
350,100.00 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
7.5950 .0000
1958506 .2500
304,000.00 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1958537 .2500
287,820.99 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1958612 .2500
566,619.55 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
7.7200 .0000
1
1958642 .2500
325,200.00 .0800
8.1250 .0000
7.8750 .0000
7.7950 .0000
7.7500 .0450
1958654 .2500
279,276.30 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1958732 .2500
465,509.33 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
7.7200 .0000
1958786 .2500
273,434.25 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1958963 .2500
409,781.81 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
7.7500 1.0450
1959068 .2500
260,653.79 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
1959135 .2500
284,900.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
1959836 .2500
262,352.84 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
1
1959901 .2500
283,200.00 .0300
7.7500 .0000
7.5000 .0000
7.4700 .0000
7.4700 .0000
1959952 .2500
343,796.90 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1960176 .2500
299,827.39 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1960218 .2500
274,333.70 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1960256 .2500
375,022.67 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1960260 .2500
328,250.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1960274 .2500
367,765.34 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
1960282 .2500
299,822.88 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1
1960298 .2500
252,750.69 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1960302 .2500
323,798.62 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1960312 .2500
287,825.53 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1960319 .2500
317,781.16 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
7.5950 .0000
1960322 .2500
279,641.67 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
1960325 .2500
426,470.84 .0800
8.1250 .0000
7.8750 .0000
7.7950 .0000
7.7500 .0450
1960418 .2500
425,092.33 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1960501 .2500
311,200.00 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1
1960651 .2500
264,901.41 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
1960657 .2500
364,800.00 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1960740 .2500
262,319.35 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
7.5950 .0000
1960797 .2500
260,533.75 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
1960798 .2500
450,000.00 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
7.5950 .0000
1960850 .2500
283,500.00 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
1961033 .2500
279,816.84 .0800
8.1250 .0000
7.8750 .0000
7.7950 .0000
7.7500 .0450
1961034 .2500
339,530.48 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
7.5950 .0000
1
1961205 .2500
500,000.00 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1961462 .2500
260,000.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1961467 .2500
297,000.00 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
7.7200 .0000
1961516 .2500
264,000.00 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1961669 .2500
365,000.00 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
7.7500 1.0450
1961700 .2500
599,654.80 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1961750 .2500
310,000.00 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1961897 .2500
388,000.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1
1962097 .2500
327,720.83 .0800
8.1250 .0000
7.8750 .0000
7.7950 .0000
7.7500 .0450
1962204 .2500
397,758.89 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1962239 .2500
403,200.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1962290 .2500
279,807.31 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
7.5950 .0000
1962305 .2500
325,800.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
1962381 .2500
429,600.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1962391 .2500
272,500.00 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1962419 .2500
268,000.00 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
7.7200 .0000
1
1962421 .2500
491,250.00 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
7.7500 1.0450
1962503 .2500
300,000.00 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1962705 .2500
376,000.00 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1962728 .2500
280,000.00 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1963021 .2500
350,000.00 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1963028 .2500
298,450.00 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1963166 .2500
312,000.00 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
7.7500 1.0450
1963171 .2500
274,810.75 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
7.5950 .0000
1
1963202 .2500
315,787.97 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
7.7200 .0000
1963207 .2500
335,750.00 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
1963597 .2500
261,532.60 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1963598 .2500
295,471.94 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1963605 .2500
271,651.91 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
1963610 .2500
275,837.05 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1963871 .5000
332,000.00 .0800
8.5000 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
1963978 .2500
424,000.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1
1964193 .2500
290,814.44 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
1964532 .2500
280,000.00 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
7.7500 1.5450
2865219 .2500
385,093.29 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
2895256 .2500
398,605.41 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
7.5950 .0000
2967561 .2500
258,868.30 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
2975808 .2500
431,705.90 .0800
9.8750 .0000
9.6250 .0000
9.5450 .0000
7.7500 1.7950
2975819 .2500
441,817.82 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
7.7500 1.0450
2975823 .2500
384,799.06 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
1
2975826 .2500
325,110.66 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
2975838 .2500
535,091.84 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
2975867 .2500
279,231.80 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
2993767 .2500
260,534.36 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
2993841 .2500
355,034.89 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
7.7200 .0000
3010244 .2500
322,065.76 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
7.7200 .0000
3025315 .2500
297,190.35 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
3042501 .2500
327,611.31 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1
3044075 .2500
270,436.07 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
3044103 .2500
257,575.42 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
3049356 .2500
371,570.38 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3050878 .2500
305,878.30 .0300
7.7500 .0000
7.5000 .0000
7.4700 .0000
7.4700 .0000
3050907 .2500
281,501.94 .0300
7.5000 .0000
7.2500 .0000
7.2200 .0000
7.2200 .0000
3050917 .2500
258,879.70 .0300
7.3750 .0000
7.1250 .0000
7.0950 .0000
7.0950 .0000
3050945 .2500
273,331.47 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
7.7200 .0000
3050955 .2500
493,487.29 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
7.7200 .0000
1
3050957 .2500
461,305.65 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
3051597 .2500
279,650.72 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
3051611 .2500
475,059.55 .0800
8.1250 .0000
7.8750 .0000
7.7950 .0000
7.7500 .0450
3053081 .2500
345,600.43 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3054152 .2500
339,794.02 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
3056172 .2500
299,803.76 .0800
8.1250 .0000
7.8750 .0000
7.7950 .0000
7.7500 .0450
3056174 .2500
407,765.26 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3056176 .2500
374,619.78 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
1
3056179 .2500
344,580.52 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
3056183 .2500
366,827.69 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
3056184 .2500
395,247.80 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
3056185 .2500
392,801.53 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
3056186 .2500
631,242.29 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
3056189 .2500
299,644.49 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
3056193 .2500
599,697.00 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
3056194 .2500
299,852.43 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
1
3056198 .2500
315,662.38 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
7.7500 1.0450
3056207 .2500
499,506.17 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
3056213 .2500
279,632.42 .0800
8.1250 .0000
7.8750 .0000
7.7950 .0000
7.7500 .0450
3056215 .2500
339,823.73 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
3056220 .2500
323,644.71 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
3056221 .2500
432,560.95 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
3056222 .2500
319,658.11 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
7.7500 1.0450
3056223 .2500
389,604.56 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
1
3056234 .2500
374,067.51 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3056247 .2500
329,819.74 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
3056251 .2500
263,668.15 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
3057155 .2500
467,685.98 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
7.7200 .0000
3057175 .2500
406,765.84 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3057178 .2500
509,721.42 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
3058576 .2500
328,320.56 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
3060129 .2500
329,789.57 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
1
3061294 .2500
308,835.56 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
7.7500 1.0450
3062278 .2500
269,703.92 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
3062284 .2500
255,863.77 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
7.7500 1.0450
3065177 .2500
337,410.73 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3068491 .2500
281,229.16 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
3068505 .2500
298,636.79 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
3068514 .2500
291,799.04 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
7.5950 .0000
3068673 .2500
599,251.54 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1
3068674 .2500
271,693.91 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3068680 .2500
356,794.60 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3068888 .2500
287,900.00 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
3068898 .2500
288,833.73 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3071453 .2500
291,446.33 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
3071648 .2500
264,851.44 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3071653 .2500
292,584.85 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3071657 .2500
339,733.22 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
1
3076138 .2500
375,000.00 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
3079035 .2500
457,300.00 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
3080236 .2500
253,674.95 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
3080836 .2500
334,797.05 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
3082356 .2500
370,000.00 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
3082536 .2500
255,349.16 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
3083178 .2500
271,502.14 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
3083248 .2500
479,416.36 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1
3087718 .2500
340,000.00 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
3087746 .2500
254,700.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3093101 .2500
558,750.00 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
3093104 .2500
277,000.00 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
3095403 .2500
332,000.00 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
3095426 .2500
435,000.00 .0800
8.1250 .0000
7.8750 .0000
7.7950 .0000
7.7500 .0450
3095427 .2500
312,000.00 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
3096599 .2500
298,000.00 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1
3096669 .2500
300,000.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3099676 .2500
287,200.00 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
3099692 .2500
260,000.00 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
3099826 .2500
310,000.00 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
3101394 .2500
589,669.24 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3101409 .2500
334,807.26 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3101675 .2500
750,000.00 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
3102294 .2500
396,000.00 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
7.7500 1.6700
1
3104450 .2500
272,000.00 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
3104456 .2500
299,700.00 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
7.7500 1.5450
3104460 .2500
478,100.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3106749 .2500
434,500.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3109550 .2500
311,600.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3110625 .2500
256,000.00 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
3110693 .2500
472,500.00 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
3112722 .2500
432,730.86 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1
3112725 .2500
615,597.05 .0800
8.1250 .0000
7.8750 .0000
7.7950 .0000
7.7500 .0450
3112726 .2500
469,684.64 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
7.7200 .0000
3112727 .2500
458,684.12 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
7.5950 .0000
3112728 .2500
487,655.58 .0300
7.7500 .0000
7.5000 .0000
7.4700 .0000
7.4700 .0000
3112729 .2500
449,500.00 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
7.5950 .0000
3112731 .2500
292,327.31 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
3112733 .2500
295,000.00 .0300
7.2500 .0000
7.0000 .0000
6.9700 .0000
6.9700 .0000
3112734 .2500
355,588.85 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1
3115796 .2500
260,000.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3115812 .2500
288,000.00 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
7.5950 .0000
TOTAL NUMBER OF LOANS: 216
TOTAL BALANCE........: 76,246,816.25
1
RUN ON : 01/21/00 RFC DISCLOSURE SYSTEM RFFSDFIX-01
AT : 15.14.02 INITIAL SECURITY FEES AMORTIZED BALANCE
SERIES : RALI 2000-QS1 NON- FIXED SUMMARY REPORT CUTOFF : 01/01/00
POOL : 0004421
:
:
POOL STATUS: F
WEIGHTED AVERAGES FROM TO
---------------------------------------------------------------------------
CURR NOTE RATE 8.5645 7.0000 9.8750
RFC NET RATE 8.3134 6.7500 9.6250
NET MTG RATE(INVSTR RATE) 8.2414 6.7200 9.5450
POST STRIP RATE 7.7178 6.7200 7.7500
SUB SERV FEE .2511 .2500 .5000
MSTR SERV FEE .0720 .0300 .0800
ALL EXP .0000 .0000 .0000
MISC EXP .0000 .0000 .0000
SPREAD .0000 .0000 .0000
STRIP .5236 .0000 1.7950
TOTAL NUMBER OF LOANS: 216
TOTAL BALANCE........: 76,246,816.25
***************************
* END OF REPORT *
***************************
<PAGE>
EXHIBIT TWO
SCHEDULE OF DISCOUNT FRACTIONS
Loan Number Current Balance Net Mortgage Rate Discount Fraction PO Balance
1956368 "$217,471.50 " 0.0647 0.16516129 "$35,917.87 "
1865231 "$94,996.13 " 0.06595 0.149032258 "$14,157.49 "
1913184 "$444,838.52 " 0.0672 0.132903226 "$59,120.47 "
3068396 "$113,781.40 " 0.06845 0.116774194 "$13,286.73 "
3112733 "$295,000.00 " 0.0697 0.100645161 "$29,690.32 "
3068390 "$134,286.94 " 0.07095 0.084516129 "$11,349.41 "
1879616 "$50,371.40 " 0.07095 0.084516129 "$4,257.20 "
3050917 "$258,879.70 " 0.07095 0.084516129 "$21,879.51 "
2844536 "$44,761.77 " 0.0722 0.068387097 "$3,061.13 "
3050907 "$281,501.94 " 0.0722 0.068387097 "$19,251.10 "
1954052 "$500,000.00 " 0.0722 0.068387097 "$34,193.55 "
3101389 "$79,838.29 " 0.07345 0.052258065 "$4,172.19 "
3101393 "$65,081.46 " 0.07345 0.052258065 "$3,401.03 "
3050878 "$305,878.30 " 0.0747 0.036129032 "$11,051.09 "
1959901 "$283,200.00 " 0.0747 0.036129032 "$10,231.74 "
1958487 "$169,880.01 " 0.0747 0.036129032 "$6,137.60 "
3042484 "$108,600.21 " 0.0747 0.036129032 "$3,923.62 "
3101398 "$69,900.86 " 0.0747 0.036129032 "$2,525.45 "
1884102 "$33,008.37 " 0.0747 0.036129032 "$1,192.56 "
3112728 "$487,655.58 " 0.0747 0.036129032 "$17,618.52 "
1954663 "$40,426.45 " 0.0747 0.036129032 "$1,460.57 "
1960740 "$262,319.35 " 0.07595 0.02 "$5,246.39 "
1957030 "$334,269.80 " 0.07595 0.02 "$6,685.40 "
3115812 "$288,000.00 " 0.07595 0.02 "$5,760.00 "
1962290 "$279,807.31 " 0.07595 0.02 "$5,596.15 "
1961154 "$93,942.00 " 0.07595 0.02 "$1,878.84 "
1963171 "$274,810.75 " 0.07595 0.02 "$5,496.22 "
1961034 "$339,530.48 " 0.07595 0.02 "$6,790.61 "
1960798 "$450,000.00 " 0.07595 0.02 "$9,000.00 "
2799061 "$37,085.27 " 0.07595 0.02 $741.71
1960319 "$317,781.16 " 0.07595 0.02 "$6,355.62 "
1958494 "$350,100.00 " 0.07595 0.02 "$7,002.00 "
1958404 "$275,810.05 " 0.07595 0.02 "$5,516.20 "
1958228 "$67,353.61 " 0.07595 0.02 "$1,347.07 "
1961740 "$239,000.00 " 0.07595 0.02 "$4,780.00 "
1956304 "$181,874.75 " 0.07595 0.02 "$3,637.50 "
1955812 "$250,000.00 " 0.07595 0.02 "$5,000.00 "
1952638 "$172,480.05 " 0.07595 0.02 "$3,449.60 "
1951468 "$112,805.15 " 0.07595 0.02 "$2,256.10 "
1944114 "$26,807.21 " 0.07595 0.02 $536.14
1890544 "$49,643.67 " 0.07595 0.02 $992.87
1883711 "$32,915.01 " 0.07595 0.02 $658.30
1958231 "$71,350.86 " 0.07595 0.02 "$1,427.02 "
3085023 "$148,800.00 " 0.07595 0.02 "$2,976.00 "
2895256 "$398,605.41 " 0.07595 0.02 "$7,972.11 "
3068418 "$189,962.22 " 0.07595 0.02 "$3,799.24 "
3068417 "$218,611.83 " 0.07595 0.02 "$4,372.24 "
3068416 "$24,086.68 " 0.07595 0.02 $481.73
3072616 "$132,796.64 " 0.07595 0.02 "$2,655.93 "
3068514 "$291,799.04 " 0.07595 0.02 "$5,835.98 "
3081665 "$123,928.64 " 0.07595 0.02 "$2,478.57 "
3086434 "$64,955.26 " 0.07595 0.02 "$1,299.11 "
3056250 "$182,431.00 " 0.07595 0.02 "$3,648.62 "
3051620 "$197,506.87 " 0.07595 0.02 "$3,950.14 "
2937273 "$89,301.05 " 0.07595 0.02 "$1,786.02 "
3112729 "$449,500.00 " 0.07595 0.02 "$8,990.00 "
3101392 "$129,910.54 " 0.07595 0.02 "$2,598.21 "
3112727 "$458,684.12 " 0.07595 0.02 "$9,173.68 "
2901566 "$51,707.02 " 0.07595 0.02 "$1,034.14 "
3072454 "$194,869.16 " 0.0772 0.003870968 $754.33
1956107 "$143,000.00 " 0.0772 0.003870968 $553.55
1955991 "$64,225.40 " 0.0772 0.003870968 $248.61
1955990 "$87,510.22 " 0.0772 0.003870968 $338.75
1955989 "$99,797.35 " 0.0772 0.003870968 $386.31
1955988 "$111,924.85 " 0.0772 0.003870968 $433.26
3112726 "$469,684.64 " 0.0772 0.003870968 "$1,818.13 "
1952654 "$174,364.92 " 0.0772 0.003870968 $674.96
1955949 "$97,368.70 " 0.0772 0.003870968 $376.91
1933929 "$44,545.66 " 0.0772 0.003870968 $172.43
1955674 "$70,807.50 " 0.0772 0.003870968 $274.09
1955659 "$199,730.71 " 0.0772 0.003870968 $773.15
3101407 "$223,849.69 " 0.0772 0.003870968 $866.51
1956745 "$107,980.72 " 0.0772 0.003870968 $417.99
1903462 "$28,567.23 " 0.0772 0.003870968 $110.58
3101387 "$95,239.14 " 0.0772 0.003870968 $368.67
1930434 "$38,867.40 " 0.0772 0.003870968 $150.45
3095397 "$138,700.00 " 0.0772 0.003870968 $536.90
3099664 "$207,760.50 " 0.0772 0.003870968 $804.23
1955987 "$186,022.27 " 0.0772 0.003870968 $720.09
1959920 "$151,898.01 " 0.0772 0.003870968 $587.99
2832787 "$43,919.46 " 0.0772 0.003870968 $170.01
2799199 "$26,832.51 " 0.0772 0.003870968 $103.87
1963202 "$315,787.97 " 0.0772 0.003870968 "$1,222.41 "
1962633 "$214,000.00 " 0.0772 0.003870968 $828.39
1962419 "$268,000.00 " 0.0772 0.003870968 "$1,037.42 "
2993841 "$355,034.89 " 0.0772 0.003870968 "$1,374.33 "
1961879 "$168,000.00 " 0.0772 0.003870968 $650.32
3010244 "$322,065.76 " 0.0772 0.003870968 "$1,246.71 "
3050945 "$273,331.47 " 0.0772 0.003870968 "$1,058.06 "
1863474 "$27,172.85 " 0.0772 0.003870968 $105.19
3050955 "$493,487.29 " 0.0772 0.003870968 "$1,910.27 "
3057155 "$467,685.98 " 0.0772 0.003870968 "$1,810.40 "
1956451 "$239,349.38 " 0.0772 0.003870968 $926.51
1959971 "$152,647.50 " 0.0772 0.003870968 $590.89
1956371 "$63,507.33 " 0.0772 0.003870968 $245.83
3068392 "$79,878.81 " 0.0772 0.003870968 $309.21
1958732 "$465,509.33 " 0.0772 0.003870968 "$1,801.97 "
1958612 "$566,619.55 " 0.0772 0.003870968 "$2,193.37 "
3068412 "$200,925.55 " 0.0772 0.003870968 $777.78
1958488 "$345,600.00 " 0.0772 0.003870968 "$1,337.81 "
3068456 "$234,523.80 " 0.0772 0.003870968 $907.83
1957308 "$145,600.00 " 0.0772 0.003870968 $563.61
3068494 "$175,881.90 " 0.0772 0.003870968 $680.83
1956453 "$54,850.86 " 0.0772 0.003870968 $212.33
1961467 "$297,000.00 " 0.0772 0.003870968 "$1,149.68 "
1956406 "$58,840.02 " 0.0772 0.003870968 $227.77
1956405 "$64,912.47 " 0.0772 0.003870968 $251.27
1960299 "$122,400.00 " 0.0772 0.003870968 $473.81
<PAGE>
EXHIBIT THREE
INFORMATION TO BE INCLUDED IN
MONTHLY DISTRIBUTION DATE STATEMENT
(i) 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 related Class CB and Class NB Percentages and Subordinate Class
Percentage, 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 Sub-Servicers,
the number and aggregate principal balances of Mortgage Loans that are
Delinquent (A) 30-59 days, (B) 60-89 days and (C) 90 or more days 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;
(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-V Certificates and each Subclass,
if any, thereof;
(xiii) the Notional Amount with respect to each class of Interest Only
Certificates and each Subclass Notional Amount;
<PAGE>
(xiv) the occurrence of the Credit Support Depletion Date;
(xv) the related Senior Accelerated Distribution Percentage applicable to such
distribution;
(xvi) the related 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;
(xx) the weighted average Mortgage Rates of the Mortgage Loans after giving
effect to the amounts distributed on such Distribution Date; and
(xxi) if any of the Class M Certificates are held by a Depository, a legend
substantially in the form of Exhibit H-3 to the Standard Terms, referencing such
Certificates.
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.
<PAGE>
EXHIBIT FOUR
STANDARD TERMS OF POOLING AND SERVICING
AGREEMENT DATED AS OF DECEMBER 1, 1999
===============================================================================
STANDARD TERMS OF
POOLING AND SERVICING AGREEMENT
Dated as of December 1, 1999
Residential Accredit Loans, Inc.
Mortgage Asset-Backed Pass-Through Certificates
===============================================================================
<PAGE>
<TABLE>
<CAPTION>
TABLE OF CONTENTS
PAGE
<S> <C>
ARTICLE I DEFINITIONS................................................................................2
Section 1.01.Definitions................................................................................2
Section 1.02.Use of Words and Phrases..................................................................30
ARTICLE II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES...........................31
Section 2.01.Conveyance of Mortgage Loans..............................................................31
Section 2.02.Acceptance by Trustee.....................................................................37
Section 2.03.Representations, Warranties and Covenants of the Master
Servicer and the Company...............................................................38
Section 2.04. Representations and Warranties of Sellers..............................................40
ARTICLE III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS............................................43
Section 3.01. Master Servicer to Act as Servicer.....................................................43
Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement of
Subservicers' and Sellers' Obligations.................................................44
Section 3.03. Successor Subservicers.................................................................45
Section 3.04. Liability of the Master Servicer.......................................................46
Section 3.05. No Contractual Relationship Between Subservicer and Trustee or Certificateholders......46
Section 3.06. Assumption or Termination of Subservicing Agreements by Trustee........................46
Section 3.07. Collection of Certain Mortgage Loan Payments; Deposits to Custodial Account...........47
Section 3.08. Subservicing Accounts; Servicing Accounts..............................................49
Section 3.09. Access to Certain Documentation and Information Regarding the Mortgage Loans..........50
Section 3.10. Permitted Withdrawals from the Custodial Account.......................................51
Section 3.11. Maintenance of the Primary Insurance Policies; Collections Thereunder.................52
Section 3.12. Maintenance of Fire Insurance and Omissions and Fidelity Coverage.....................53
Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and Modification Agreements;
Certain Assignments....................................................................55
Section 3.14. Realization Upon Defaulted Mortgage Loans..............................................57
Section 3.15. Trustee to Cooperate; Release of Mortgage Files........................................60
Section 3.16. Servicing and Other Compensation; Compensating Interest................................61
Section 3.17. Reports to the Trustee and the Company.................................................62
Section 3.18. Annual Statement as to Compliance......................................................63
Section 3.19. Annual Independent Public Accountants' Servicing Report................................63
Section 3.20. Rights of the Company in Respect of the Master Servicer................................64
Section 3.21. Administration of Buydown Funds........................................................64
ARTICLE IV PAYMENTS TO CERTIFICATEHOLDERS............................................................66
Section 4.01. Certificate Account....................................................................66
Section 4.02. Distributions..........................................................................66
Section 4.03. Statements to Certificateholders.......................................................66
Section 4.04. Distribution of Reports to the Trustee and the Company; Advances by the Master
Servicer...............................................................................67
Section 4.05. Allocation of Realized Losses..........................................................69
Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property..........................69
Section 4.07. Optional Purchase of Defaulted Mortgage Loans..........................................69
Section 4.08. Surety Bond............................................................................69
ARTICLE V THE CERTIFICATES..........................................................................71
Section 5.01. The Certificates.......................................................................71
Section 5.02. Registration of Transfer and Exchange of Certificates..................................73
Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates......................................78
Section 5.04. Persons Deemed Owners..................................................................79
Section 5.05. Appointment of Paying Agent............................................................79
Section 5.06. Optional Purchase of Certificates......................................................79
ARTICLE VI THE COMPANY AND THE MASTER SERVICER.......................................................82
Section 6.01. Respective Liabilities of the Company and the Master Servicer..........................82
Section 6.02. Merger or Consolidation of the Company or the Master Servicer; Assignment of
Rights and Delegation of Duties by Master Servicer.....................................82
Section 6.03. Limitation on Liability of the Company, the Master Servicer and Others................83
Section 6.04. Company and Master Servicer Not to Resign..............................................84
ARTICLE VII DEFAULT...................................................................................85
Section 7.01. Events of Default......................................................................85
Section 7.02. Trustee or Company to Act; Appointment of Successor....................................87
Section 7.03. Notification to Certificateholders.....................................................88
Section 7.04. Waiver of Events of Default............................................................88
ARTICLE VIII CONCERNING THE TRUSTEE....................................................................89
Section 8.01. Duties of Trustee......................................................................89
Section 8.02. Certain Matters Affecting the Trustee..................................................90
Section 8.03. Trustee Not Liable for Certificates or Mortgage Loans..................................92
Section 8.04. Trustee May Own Certificates...........................................................92
Section 8.05. Master Servicer to Pay Trustee's Fees and Expenses; Indemnification...................92
Section 8.06. Eligibility Requirements for Trustee...................................................93
Section 8.07. Resignation and Removal of the Trustee.................................................93
Section 8.08. Successor Trustee......................................................................94
Section 8.09. Merger or Consolidation of Trustee.....................................................95
Section 8.10. Appointment of Co-Trustee or Separate Trustee..........................................95
Section 8.11. Appointment of Custodians..............................................................96
Section 8.12. Appointment of Office or Agency........................................................96
ARTICLE IX TERMINATION...............................................................................98
Section 9.01. Termination Upon Purchase by the Master Servicer or the Company or Liquidation
of All Mortgage Loans..................................................................98
Section 9.02. Additional Termination Requirements...................................................100
Section 9.03. Termination of Multiple REMICs........................................................101
ARTICLE X REMIC PROVISIONS.........................................................................102
Section 10.01.REMIC Administration....................................................................102
Section 10.02.Master Servicer, REMIC Administrator and Trustee Indemnification........................105
Section 10.03.Designation of REMIC(s).................................................................106
ARTICLE XI MISCELLANEOUS PROVISIONS.................................................................107
Section 11.01.Amendment...............................................................................107
Section 11.02.Recordation of Agreement; Counterparts..................................................109
Section 11.03.Limitation on Rights of Certificateholders..............................................110
Section 11.04.Governing Law...........................................................................110
Section 11.05.Notices.................................................................................111
Section 11.06.Required Notices to Rating Agency and Subservicer.......................................111
Section 11.07.Severability of Provisions..............................................................111
Section 11.08.Supplemental Provisions for Resecuritization............................................112
</TABLE>
<PAGE>
EXHIBITS
Exhibit A: Form of Class A Certificate
Exhibit B: Form of Class M Certificate
Exhibit C: Form of Class B Certificate
Exhibit D: Form of Class R Certificate
Exhibit E: Form of Seller/Servicer Contract
Exhibit F: Forms of Request for Release
Exhibit G-1: Form of Transfer Affidavit and Agreement
Exhibit G-2: Form of Transferor Certificate
Exhibit H-1: Form of Investor Representation Letter
Exhibit H-2: Form of ERISA Representation Letter
Exhibit H-3: Form of ERISA Legend
Exhibit I: Form of Transferor Representation Letter
Exhibit J: Form of Rule 144A Investment Representation Letter
Exhibit K: Text of Amendment to Pooling and Servicing Agreemen
Pursuant to Section 11.01(e) for a Limited Guaranty
Exhibit L: Form of Limited Guaranty
Exhibit M: Form of Lender Certification for Assignment of
Mortgage Loan
Exhibit N: Request for Exchange Form
<PAGE>
This is the Standard Terms of Pooling and Servicing Agreement, dated as
of December 1, 1999 (the "Standard Terms", and as incorporated by reference into
a Series Supplement dated as of the Cut-off Date, the "Pooling and Servicing
Agreement" or "Agreement"), 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 the trustee named in the
applicable Series Supplement (together with its permitted successors and
assigns, the "Trustee").
PRELIMINARY STATEMENT:
The Company intends to sell certain mortgage asset-backed pass-through
certificates (collectively, the "Certificates"), to be issued under the
Agreement in multiple classes, which in the aggregate will evidence the entire
beneficial ownership interest in the Mortgage Loans.
In consideration of the mutual agreements herein contained, the
Company, the Master Servicer and the Trustee agree as follows:
<PAGE>
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.
ACCRETION TERMINATION DATE: As defined in the Series Supplement.
ACCRUAL CERTIFICATES: As defined in the Series Supplement.
ACCRUED CERTIFICATE INTEREST: With respect to each Distribution Date,
as to any Class or Subclass of Certificates (other than any Principal Only
Certificates), interest accrued during the related Interest Accrual Period at
the related Pass-Through Rate on the Certificate Principal Balance or Notional
Amount thereof immediately prior to such Distribution Date. 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 or
Subclass of Certificates will be reduced by the amount of:
(i) Prepayment Interest Shortfalls on all Mortgage Loans or, if
the Mortgage Pool is comprised of two or more Loan Groups, on
the Mortgage Loans in the related Loan Group (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 on all Mortgage Loans or,
if the Mortgage Pool is comprised of two or more Loan Groups,
on the Mortgage Loans in the related Loan Group (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 that were (A) previously made
with respect to a Mortgage Loan or REO Property on all
Mortgage Loans or, if the Mortgage Pool is comprised of two or
more Loan Groups, on the Mortgage Loans in the related Loan
Group, which remained unreimbursed following the Cash
Liquidation or REO Disposition of such Mortgage Loan or REO
Property or (B) 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,
2
<PAGE>
with all such reductions allocated (A) among all of the Certificates in
proportion to their respective amounts of Accrued Certificate Interest payable
on such Distribution Date absent such reductions or (B) if the Mortgage Pool is
comprised of two or more Loan Groups, the related Senior Percentage of such
reductions among the related Senior Certificates in proportion to the amounts of
Accrued Certificate Interest payable from the related Loan Group on such
Distribution Date absent such reductions, with the remainder of such reductions
allocated among the holders of the Class M Certificates and Class B Certificates
in proportion to their respective amounts of Accrued Certificate Interest
payable on such Distribution Date absent such reductions. In addition to that
portion of the reductions described in the preceding sentence that are allocated
to any Class of Class B Certificates or any Class of Class M Certificates,
Accrued Certificate Interest on such Class of Class B Certificates or such Class
of Class M Certificates will be reduced by the interest portion (adjusted to the
Net Mortgage Rate) of Realized Losses that are allocated solely to such Class of
Class B Certificates or such Class of Class M Certificates pursuant to Section
4.05.
ADDENDUM AND ASSIGNMENT AGREEMENT: The Addendum and Assignment Agreement,
dated as of January 31, 1995, between MLCC and the Master Servicer.
ADDITIONAL COLLATERAL: Any of the following held, in addition to the
related Mortgaged Property, as security for a Mortgage Loan: (i) all money,
securities, security entitlements, accounts, general intangibles, instruments,
documents, certificates of deposit, commodities contracts and other investment
property and other property of whatever kind or description now existing or
hereafter acquired which is pledged as security for the repayment of such
Mortgage Loan, (ii) third-party guarantees, and (A) all money, securities,
security entitlements, accounts, general intangibles, instruments, documents,
certificates of deposit, commodities contracts and other investment property and
other property of whatever kind or description now existing or hereafter
acquired which is pledged as collateral for such guarantee or (B) any mortgaged
property securing the performance of such guarantee, or (iii) such other
collateral as may be set forth in the Series Supplement.
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.
3
<PAGE>
AMBAC: Ambac Assurance Corporation (formerly known as AMBAC Indemnity
Corporation).
AMOUNT HELD FOR FUTURE DISTRIBUTION: As to any Distribution Date and,
with respect to any Mortgage Pool that is comprised of two or more Loan Groups,
each Loan Group, 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.
ASSIGNED CONTRACTS: With respect to any Pledged Asset Loan: the Credit
Support Pledge Agreement; the Funding and Pledge Agreement, among GMAC Mortgage
Corporation, National Financial Services Corporation and the Mortgagor or other
person pledging the related Pledged Assets; the Additional Collateral Agreement,
between GMAC Mortgage Corporation and the Mortgagor or other person pledging the
related Pledged Assets; or such other contracts as may be set forth in the
Series Supplement.
ASSIGNMENT: An assignment of the Mortgage, notice of transfer or
equivalent instrument, in recordable form, sufficient under the laws of the
jurisdiction wherein the related Mortgaged Property is located to reflect of
record the sale of the Mortgage Loan to the Trustee for the benefit of
Certificateholders, which assignment, notice of transfer or equivalent
instrument may be in the form of one or more blanket assignments covering
Mortgages secured by Mortgaged Properties located in the same county, if
permitted by law and accompanied by an Opinion of Counsel to that effect.
ASSIGNMENT AGREEMENT: The Assignment and Assumption Agreement, dated
the Closing Date, 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 and, with
respect to any Mortgage Pool comprised of two or more Loan Groups, each Loan
Group, an amount equal to (a) the sum of (i) the amount relating to the Mortgage
Loans on deposit in the Custodial Account as of the close of business on the
4
<PAGE>
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), (vi) any amount received by the Trustee pursuant to
the Surety Bond in respect of such Distribution Date and (vii) the proceeds of
any Pledged Assets received by the Master Servicer, 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). Such amount shall be determined separately for
each Loan Group. Additionally, with respect to any Mortgage Pool that is
comprised of two or more Loan Groups, if on any Distribution Date Compensating
Interest provided pursuant to this Section 3.16(e) is less than Prepayment
Interest Shortfalls incurred on the Mortgage Loans in the related Prepayment
Period, such Compensating Interest shall be allocated on such Distribution Date
to the Available Distribution Amount for each Loan Group on a pro rata basis in
accordance with the respective amounts of Prepayment Interest Shortfalls
incurred on the Mortgage Loans in such Loan Group in respect of such
Distribution Date.
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, and designated as such in the Preliminary Statement
to the Series Supplement.
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.
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BUYDOWN MORTGAGE LOAN: Any Mortgage Loan as to which a specified amount
of interest is paid out of related Buydown Funds in accordance with a related
buydown agreement.
CASH LIQUIDATION: As to any defaulted Mortgage Loan other than a
Mortgage Loan as to which an REO Acquisition occurred, a determination by the
Master Servicer that it has received all Insurance Proceeds, Liquidation
Proceeds and other payments or cash recoveries which the Master Servicer
reasonably and in good faith expects to be finally recoverable with respect to
such Mortgage Loan.
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 Certificate (other than
any Interest Only 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, plus
(ii) in the case of each Accrual Certificate, an amount equal to
the aggregate Accrued Certificate Interest added to the
Certificate Principal Balance thereof prior to such date of
determination, minus
(iii) 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;
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provided, that the Certificate Principal Balance of the Class of Subordinate
Certificates with the Lowest Priority 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.
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-V Certificates and any Subclass thereof issued
pursuant to Section 5.01(c) shall be a single Class for purposes of this
Agreement.
CLASS A-P CERTIFICATE: Any one of the Certificates designated as a Class
A-P Certificate.
CLASS A-P COLLECTION SHORTFALL: With respect to the Cash Liquidation or
REO Disposition of a Discount Mortgage Loan and any Distribution Date, the
excess of the amount described in Section 4.02(b)(i)(C)(1) over the amount
described in Section 4.02(b)(i)(C)(2).
CLASS A-P PRINCIPAL DISTRIBUTION AMOUNT: As defined in Section 4.02.
CLASSA-V CERTIFICATE: Any one of the Certificates designated as a Class A-V
Certificate, including any Subclass thereof.
CLASS B CERTIFICATE: Any one of the Certificates designated as a Class
B-1 Certificate, Class B-2 Certificate or Class B-3 Certificate.
CLASS M CERTIFICATE: Any one of the Certificates designated as a Class
M-1 Certificate, Class M-2 Certificate or Class M-3 Certificate.
CLOSING DATE: As defined in the Series Supplement.
CODE: The Internal Revenue Code of 1986.
COMBINED COLLATERAL LLC: Combined Collateral LLC, a Delaware limited
liability company.
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
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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 which owns or
leases land and all or part of a building or buildings, 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.
CREDIT SUPPORT DEPLETION DATE: The first Distribution Date on which the
Certificate Principal Balances of the Subordinate Certificates have been reduced
to zero.
CREDIT SUPPORT PLEDGE AGREEMENT: The Credit Support Pledge Agreement, dated
as of November 24, 1998, among the Master Servicer, GMAC Mortgage Corporation,
Combined Collateral LLC and The First National Bank of
Chicago (now known as Bank One, National Association), as custodian.
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.
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CUSTODIAL AGREEMENT: An agreement that may be entered into among the
Company, the Master Servicer, the Trustee and a Custodian pursuant to which the
Custodian will hold certain documents relating to the Mortgage Loans on behalf
of the Trustee.
CUSTODIAN: A custodian appointed pursuant to a Custodial Agreement.
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.
DCR: Duff & Phelps Credit Rating Company, or its successor in interest.
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 Certificate other than a Book-Entry
Certificate.
DELETED MORTGAGE LOAN: A Mortgage Loan replaced or to be replaced with a
Qualified Substitute Mortgage Loan.
DELINQUENT: As used herein, a Mortgage Loan is considered to be: "30 to
59 days" or "30 or more days" delinquent when a payment due on any scheduled due
date remains unpaid as of the close of business on the last business day
immediately prior to the next following monthly scheduled due date; "60 to 89
days" or "60 or more days" delinquent when a payment due on any scheduled due
date remains unpaid as of the close of business on the last business day
immediately prior to the second following monthly scheduled due date; and so on.
The determination as to whether a Mortgage Loan falls into these categories is
made as of the close of business on the last business day of each month. For
example, a Mortgage Loan with a payment due on July 1 that remained unpaid as of
the close of business on July 31 would then be considered to be 30 to 59 days
delinquent. Delinquency information as of the Cut-off Date is determined and
prepared as of the close of business on the last business day immediately prior
to the Cut-off Date.
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(a)(5) of the Uniform Commercial Code of the State of New York and
a "clearing agency" registered pursuant to the provisions of Section 17A of the
Securities Exchange Act of 1934, as amended.
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DEPOSITORY PARTICIPANT: A broker, dealer, bank or other financial
institution or other Person for whom from time to time a Depository effects
book-entry transfers and pledges of securities deposited with the Depository.
DESTROYED MORTGAGE NOTE: A Mortgage Note the original of which was
permanently lost or destroyed and has not been replaced.
DETERMINATION DATE: With respect to any Distribution Date, the 20th day
(or if such 20th day is not a Business Day, the Business Day immediately
following such 20th day) of the month of the related Distribution Date.
DISCOUNT FRACTION: With respect to each Discount Mortgage Loan, the
fraction expressed as a percentage, the numerator of which is the Discount Net
Mortgage Rate minus the Net Mortgage Rate (or the initial Net Mortgage Rate with
respect to any Discount Mortgage Loans as to which the Mortgage Rate is modified
pursuant to 3.07(a)) for such Mortgage Loan and the denominator of which is the
Discount Net Mortgage Rate. The Discount Fraction with respect to each Discount
Mortgage Loan is set forth as an exhibit attached to the Series Supplement.
DISCOUNT MORTGAGE LOAN: Any Mortgage Loan having a Net Mortgage Rate
(or the initial Net Mortgage Rate) of less than the Discount Net Mortgage Rate
per annum and any Mortgage Loan deemed to be a Discount Mortgage Loan pursuant
to the definition of Qualified Substitute Mortgage Loan.
DISCOUNT NET MORTGAGE RATE: As defined in the Series Supplement.
DISQUALIFIED ORGANIZATION: Any organization defined as a "disqualified
organization" under Section 860E(e)(5) of the Code, and if not otherwise
included, 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, (v) any "electing large partnership," as defined in Section 775(a) of the
Code and (vi) 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.
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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 and any Mortgage Loan, the
day during the related Due Period on which the Monthly Payment is due.
DUE PERIOD: With respect to any Distribution Date, the one-month period set
forth in the Series Supplement.
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 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, a trust account or
accounts maintained in the corporate trust department of Bank One, National
Association, or (iv) in the case of the Certificate Account, a trust account or
accounts maintained in the corporate trust division of the Trustee, 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 aggregate Certificate Principal Balance of the Class of
Subordinate Certificates then outstanding with the Lowest Priority 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 aggregate
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). With respect to any Mortgage Pool that is comprised of two or
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more Loan Groups, the Excess Subordinate Principal Amount will be allocated
between each Loan Group on a pro rata basis in accordance with the amount of
Realized Losses attributable to each Loan Group and allocated to the
Certificates on such Distribution Date.
EXTRAORDINARY EVENTS: Any of the following conditions with respect to a
Mortgaged Property (or, with respect to a Cooperative Loan, the Cooperative
Apartment) or Mortgage Loan causing or resulting in a loss which causes the
liquidation of such Mortgage Loan:
(a) losses that are of the type that would be covered by the fidelity bond
and the errors and omissions insurance policy required to be maintained
pursuant to Section 3.12(b) but are in excess of the coverage
maintained thereunder;
(b) nuclear reaction or nuclear radiation or radioactive contamination, all
whether controlled or uncontrolled, and whether such loss be direct or
indirect, proximate or remote or be in whole or in part caused by,
contributed to or aggravated by a peril covered by the definition of
the term "Special Hazard Loss";
(c) hostile or warlike action in time of peace or war, including action in
hindering, combating 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, combating 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.
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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 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 LOSSES: Losses on Mortgage Loans as to which there was fraud in the
origination of such Mortgage Loan.
HIGHEST PRIORITY: As of any date of determination, the Class of Subordinate
Certificates then outstanding with the earliest priority for payments pursuant
to Section 4.02(a), in the following order: Class M-1, Class M-2, Class M-3,
Class B-1, Class B-2 and Class B-3 Certificates.
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 Series Supplement.
INITIAL MONTHLY PAYMENT FUND: An amount representing scheduled
principal amortization and interest at the Net Mortgage Rate for the Due Date in
the first Due Period commencing subsequent to the Cut-off Date for those
Mortgage Loans for which the Trustee will not be entitled to receive such
payment, and as more specifically defined in the Series Supplement.
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INITIAL NOTIONAL AMOUNT: With respect to any Class or Subclass of
Interest Only Certificates, the amount initially used as the principal basis for
the calculation of any interest payment amount, as more specifically defined in
the Series Supplement.
INITIAL SUBORDINATE CLASS PERCENTAGE: As defined in the Series Supplement.
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 (excluding any Certificate Policy (as defined in the
Series Supplement)), 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: As defined in the Series Supplement.
INTEREST ONLY CERTIFICATES: A Class or Subclass of Certificates not
entitled to payments of principal, and designated as such in the Series
Supplement. The Interest Only Certificates will have no Certificate Principal
Balance.
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.
JUNIOR CERTIFICATEHOLDER: The Holder of not less than 95% of the Percentage
Interests of the Junior Class of Certificates.
JUNIOR CLASS OF CERTIFICATES: The Class of Subordinate Certificates
outstanding as of the date of the repurchase of a Mortgage Loan pursuant to
Section 4.07 herein that has the Lowest Priority.
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.
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LOAN GROUP: Any group of Mortgage Loans designated as a separate loan
group in the Series Supplement. The Certificates relating to each Loan Group
will be designated in the Series Supplement.
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.
LOWER PRIORITY: As of any date of determination and any Class of
Subordinate Certificates, any other Class of Subordinate Certificates then
outstanding with a later priority for payments pursuant to Section 4.02 (a).
LOWEST PRIORITY: As of any date of determination, the Class of
Subordinate Certificates then outstanding with the latest priority for payments
pursuant to Section 4.02(a), in the following order: Class B-3, Class B-2, Class
B-1, Class M-3, Class M-2 and Class M-1 Certificates.
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
Interest Only Certificates which have no Certificate Principal Balance) and each
Uncertificated REMIC Regular Interest would be reduced to zero, as designated in
the Series Supplement.
MERS: Mortgage Electronic Registration Systems, Inc., a corporation
organized and existing under the laws of the State of Delaware, or any successor
thereto.
MERS(R) SYSTEM: The system of recording transfers of Mortgages
electronically maintained by MERS.
MIN: The Mortgage Identification Number for Mortgage Loans registered with
MERS on the MERS(R) System.
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.
MOM LOAN: With respect to any Mortgage Loan, MERS acting as the
mortgagee of such Mortgage Loan, solely as nominee for the originator of such
Mortgage Loan and its successors and assigns, at the origination thereof.
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
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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 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 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 LOAN SCHEDULE: As defined in the Series Supplement.
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 POOL: The pool of mortgage loans, including all Loan Groups, if
any, consisting of the Mortgage Loans.
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.
NET MORTGAGE RATE: As to each Mortgage Loan, a per annum rate of
interest equal to the Adjusted Mortgage Rate less the per annum rate at which
the Servicing Fee is calculated.
NON-DISCOUNT MORTGAGE LOAN: A Mortgage Loan that is not a Discount Mortgage
Loan.
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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.
NOTIONAL AMOUNT: With respect to any Class or Subclass of Interest Only
Certificates, an amount used as the principal basis for the calculation of any
interest payment amount, as more specifically defined in the Series Supplement.
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 any REMIC formed under the Series Supplement 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.
PASS-THROUGH RATE: As defined in the Series Supplement.
PAYING AGENT: The Trustee or any successor Paying Agent appointed by the
Trustee.
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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
Notional Amount (in the case of any Interest Only Certificate) thereof divided
by the aggregate Initial Certificate Principal Balance or the aggregate of the
Initial Notional Amounts, as applicable, of all the Certificates of the same
Class. With respect to a Class R Certificate, the interest in distributions to
be made with respect to such Class evidenced thereby, expressed as a percentage,
as stated on the face of each such Certificate.
PERMITTED INVESTMENTS: One or more of the following:
(i) obligations of or guaranteed as to principal and interest by the United
States or any agency or instrumentality thereof when such obligations
are backed by the full faith and credit of the United States;
(ii) repurchase agreements on obligations specified in clause (i) maturing
not more than one month from the date of acquisition thereof, provided
that the unsecured obligations of the party agreeing to repurchase such
obligations are at the time rated by each Rating Agency in its highest
short-term rating available;
(iii)federal funds, certificates of deposit, demand deposits, time deposits and
bankers' acceptances (which shall each have an original maturity of not
more than 90 days and, in the case of bankers' acceptances, shall in no
event have an original maturity of more than 365 days or a remaining
maturity of more than 30 days) denominated in United States dollars of any
U.S. depository institution or trust company incorporated under the laws of
the United States or any state thereof or of any domestic branch of a
foreign depository institution or trust company; provided that the debt
obligations of such depository institution or trust company (or, if the
only Rating Agency is Standard & Poor's, in the case of the principal
depository institution in a depository institution holding company, debt
obligations of the depository institution holding company) at the date of
acquisition thereof have been rated by each Rating Agency in its highest
short-term rating available; and provided further that, if the only Rating
Agency is Standard & Poor's and if the depository or trust company is a
principal subsidiary of a bank holding company and the debt obligations of
such subsidiary are not separately rated, the applicable rating shall be
that of the bank 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 and demand notes (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;
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(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, Fitch IBCA and
DCR 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, D-1 in
the case of DCR 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.
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 AMOUNT: With respect to any Pledged Asset Loan, the amount of money
remitted to Combined Collateral LLC, at the direction of or for the benefit of
the related Mortgagor.
PLEDGED ASSET LOAN: Any Mortgage Loan supported by Pledged Assets or
such other collateral, other than the related Mortgaged Property, set forth in
the Series Supplement.
PLEDGED ASSETS: With respect to any Mortgage Loan, all money,
securities, security entitlements, accounts, general intangibles, instruments,
documents, certificates of deposit, commodities contracts and other investment
property and other property of whatever kind or description pledged by Combined
Collateral LLC as security in respect of any Realized Losses in connection with
such Mortgage Loan up to the Pledged Amount for such Mortgage Loan, and any
related collateral, or such other collateral as may be set forth in the Series
Supplement.
PLEDGED ASSET MORTGAGE SERVICING AGREEMENT: The Pledged Asset Mortgage
Servicing Agreement, dated as of February 28, 1996 between MLCC and the Master
Servicer.
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POOLING AND SERVICING AGREEMENT OR AGREEMENT: With respect to any
Series, this Standard Terms together with the related Series Supplement.
POOL STATED PRINCIPAL BALANCE: As to any Distribution Date, the aggregate
of the Stated Principal
Balances of each Mortgage Loan.
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)
the Discount Net Mortgage Rate (but not less than 0.00%) per annum.
PREPAYMENT DISTRIBUTION TRIGGER: With respect to any Distribution Date
and any Class of Subordinate Certificates (other than the Class M-1
Certificates), a test that shall be satisfied if the fraction (expressed as a
percentage) equal to the sum of the Certificate Principal Balances of such Class
and each Class of Subordinate Certificates with a Lower Priority than such Class
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 the sum
of the related Initial Subordinate Class Percentages of such Classes of
Subordinate Certificates.
PREPAYMENT INTEREST SHORTFALL: As to any Distribution Date and any
Mortgage Loan (other than a Mortgage Loan relating to an REO Property) that was
the subject of (a) a Principal Prepayment in Full during the related Prepayment
Period, an amount equal to the excess of one month's interest at the Net
Mortgage Rate (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 ONLY CERTIFICATES: A Class of Certificates not entitled to
payments of interest, and more specifically designated as such in the Series
Supplement.
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 of the entire
principal balance of a Mortgage Loan.
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PROGRAM GUIDE: Collectively, the Client 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 Due Date in the Due Period related to the Distribution Date
occurring in 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, with a copy to the Custodian,
(i) have an outstanding principal balance, after deduction of the
principal portion of the monthly payment due in the month of
substitution (or in the case of a substitution of more than
one Mortgage Loan for a Deleted Mortgage Loan, an aggregate
outstanding principal balance, after such deduction), not in
excess of the Stated Principal Balance of the Deleted Mortgage
Loan (the amount of any shortfall to be deposited by
Residential Funding in the Custodial Account in the month of
substitution);
(ii) have a Mortgage Rate and a Net Mortgage Rate no lower than and
not more than 1% per annum higher than the Mortgage Rate and
Net Mortgage Rate, respectively, of the Deleted Mortgage Loan
as of the date of substitution;
(iii) have a Loan-to-Value Ratio at the time of substitution no
higher than that of the Deleted Mortgage Loan at the time of
substitution;
(iv) have a remaining term to stated maturity not greater than (and
not more than one year less than) that of the Deleted Mortgage
Loan;
(v) comply with each representation and warranty set forth in
Sections 2.03 and 2.04 hereof and Section 4 of the Assignment
Agreement; and
(vi) have a Pool Strip Rate equal to or greater than that of the
Deleted Mortgage Loan.
Notwithstanding any other provisions herein, (x) with respect to any Qualified
Substitute Mortgage Loan substituted for a Deleted Mortgage Loan which was a
Discount Mortgage Loan, such Qualified Substitute Mortgage Loan shall be deemed
to be a Discount Mortgage Loan and to have a Discount Fraction equal to the
Discount Fraction of the Deleted Mortgage Loan and (y) in the event that the
"Pool Strip Rate" of any Qualified Substitute Mortgage Loan as calculated
pursuant to the definition of "Pool Strip Rate" is greater than the Pool Strip
Rate of the related Deleted Mortgage Loan
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(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-V 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: Each of the statistical credit rating agencies specified
in the Preliminary Statement of the Series Supplement. If any 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):
(a) 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 Due Date in the Due Period related
to the Distribution Date on which such Realized Loss will be
allocated pursuant to Section 4.05 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,
(b) which is the subject of a Servicing Modification, (i) the
amount by which the interest portion of a Monthly Payment or
the principal balance of such Mortgage Loan was reduced, and
(ii) 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,
(c) 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, or
(d) which has become the object of a Debt Service Reduction, the
amount of such Debt Service Reduction.
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Notwithstanding the above, neither a Deficient Valuation nor a Debt Service
Reduction shall be deemed a Realized Loss hereunder so long as the Master
Servicer has notified the Trustee in writing that the Master Servicer is
diligently pursuing any remedies that may exist in connection with the
representations and warranties made regarding the related Mortgage Loan and
either (A) the related Mortgage Loan is not in default with regard to payments
due thereunder or (B) delinquent payments of principal and interest under the
related Mortgage Loan and any premiums on any applicable primary hazard
insurance policy and any related escrow payments in respect of such Mortgage
Loan are being advanced on a current basis by the Master Servicer or a
Subservicer, in either case without giving effect to any Debt Service Reduction.
RECORD DATE: With respect to each Distribution Date, the close of
business on the last Business Day of the month next 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 F 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 Loan
that becomes a Liquidated Mortgage Loan, the lesser of (i) the 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 the
Subservicer 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.
RETAIL CERTIFICATES: A Senior Certificate, if any, offered in smaller
minimum denominations than other Senior Certificates, and designated as such in
the Series Supplement.
SCHEDULE OF DISCOUNT FRACTIONS: The schedule setting forth the Discount
Fractions with respect to the Discount Mortgage Loans, attached as an exhibit to
the Series Supplement.
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.
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SENIOR ACCELERATED DISTRIBUTION PERCENTAGE: With respect to any
Distribution Date occurring on or prior to the 60th Distribution Date and, with
respect to any Mortgage Pool comprised of two or more Loan Groups, any Loan
Group, 100%. With respect to any Distribution Date thereafter and any such Loan
Group, if applicable, as follows:
(i) for any Distribution Date after the 60th Distribution Date but on or
prior to the 72nd Distribution Date, the related Senior Percentage for
such Distribution Date plus 70% of the related Subordinate Percentage
for such Distribution Date;
(ii) for any Distribution Date after the 72nd Distribution Date but on or
prior to the 84th Distribution Date, the related Senior Percentage for
such Distribution Date plus 60% of the related Subordinate Percentage
for such Distribution Date;
(iii) for any Distribution Date after the 84th Distribution Date but on or
prior to the 96th Distribution Date, the related Senior Percentage for
such Distribution Date plus 40% of the related Subordinate Percentage
for such Distribution Date;
(iv) for any Distribution Date after the 96th Distribution Date but on or
prior to the 108th Distribution Date, the related Senior Percentage for
such Distribution Date plus 20% of the related Subordinate Percentage
for such Distribution Date; and
(v) for any Distribution Date thereafter, the Senior Percentage for such
Distribution Date;
PROVIDED, HOWEVER,
(i) that any scheduled reduction to the Senior Accelerated Distribution
Percentage 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 Subordinate 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 Subordinate 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, if occurring during the sixth, seventh, eighth,
ninth or tenth year (or any year thereafter) after the Closing Date are
less than 10%, 15%, 20%, 25% or 30%, respectively, of the sum of the
Initial Certificate Principal Balances of the Subordinate Certificates,
and
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(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%,
or, if the Mortgage Pool is comprised of two or more Loan Groups, for any
Distribution Date on which the weighted average of the Senior Percentages for
each Loan Group, weighted on the basis of the Stated Principal Balances of the
Mortgage Loans in the related Loan Group, exceeds the weighted average of the
initial Senior Percentages (calculated on such basis) for each Loan Group, each
of the Senior Accelerated Distribution Percentages for such Distribution Date
will equal 100%.
Notwithstanding the foregoing, upon the reduction of the Certificate Principal
Balances of the related Senior Certificates (other than the Class A-P
Certificates, if any) to zero, the related Senior Accelerated Distribution
Percentage shall thereafter be 0%.
SENIOR CERTIFICATE: AS DEFINED IN THE Series Supplement.
SENIOR PERCENTAGE: As defined in the Series Supplement.
SENIOR SUPPORT CERTIFICATE: A Senior Certificate that provides
additional credit enhancement to certain other classes of Senior Certificates
and designated as such in the Preliminary Statement of the Series Supplement.
SERIES: All of the Certificates issued pursuant to a Pooling and Servicing
Agreement and bearing the same series designation.
SERIES SUPPLEMENT: The agreement into which this Standard Terms is
incorporated and pursuant to which, together with this Standard Terms, a Series
of Certificates is issued.
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, including any
expenses incurred in relation to any such proceedings that result from the
Mortgage Loan being registered on the MERS System, (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.
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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 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, a division of The McGraw-Hill
Companies, Inc., 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-V Certificates, any Subclass
thereof issued pursuant to Section 5.01(c). Any such Subclass will represent the
Uncertificated Class A-V REMIC Regular Interest or Interests specified by the
initial Holder of the Class A-V Certificates pursuant to Section 5.01(c).
SUBORDINATE CERTIFICATE: Any one of the Class M Certificates or Class B
Certificates, executed by the Trustee and authenticated by the Certificate
Registrar substantially in the form annexed hereto as Exhibit B and Exhibit C,
respectively.
SUBORDINATE CLASS PERCENTAGE: With respect to any Distribution Date and
any Class of Subordinate Certificates, a fraction, expressed as a percentage,
the numerator of which is the aggregate Certificate Principal Balance of such
Class of Subordinate Certificates immediately prior to such date and the
denominator of which is the aggregate Stated Principal Balance of all of the
Mortgage Loans (or related REO Properties) (other than the related Discount
Fraction of each Discount Mortgage Loan) immediately prior to such Distribution
Date.
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SUBORDINATE PERCENTAGE: As of any Distribution Date and, with respect
to any Mortgage Pool comprised of two or more Loan Groups, any Loan Group, 100%
minus the related Senior Percentage as of such Distribution 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 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 Additional Collateral Loans subserviced by MLCC, the Subservicing Agreement
shall also include the Addendum and Assignment Agreement and the Pledged Asset
Mortgage Servicing Agreement. With respect to any Pledged Asset Loan subserviced
by GMAC Mortgage Corporation, the Addendum and Assignment Agreement, dated as of
November 24, 1998, between the Master Servicer and GMAC Mortgage Corporation, as
such agreement may be amended from time to time.
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, or its successors in interest, or such other surety as may
be identified in the Series Supplement.
SURETY BOND: The Limited Purpose Surety Bond (Policy No. AB0039BE),
dated February 28, 1996 in respect to Mortgage Loans originated by MLCC, or the
Surety Bond (Policy No. AB0240BE), dated March 17, 1999 in respect to Mortgage
Loans originated by Novus Financial Corporation, in each case issued by Ambac
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 Surety Bond
covers any Additional Collateral Loans, or such other Surety Bond as may be
identified in the Series Supplement.
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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 any REMIC formed under the Series Supplement and 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 related to a Series, with
respect to which one or more REMIC elections are to be made pursuant to this
Agreement, consisting of:
(i) the Mortgage Loans and the related Mortgage Files and collateral securing
such Mortgage Loans,
(ii) all payments on and collections in respect of the Mortgage Loans due
after the Cut-off Date as shall be on deposit in the Custodial Account
or in the Certificate Account and identified as belonging to the Trust
Fund, including the proceeds from the liquidation of Additional
Collateral for any Additional Collateral Loan or Pledged Assets for any
Pledged Asset Loan, but not including amounts on deposit in the Initial
Monthly Payment Fund,
(iii) property that secured a Mortgage Loan and that 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,
the Pledged Assets with respect to each Pledged Asset Loan, 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.
UNIFORM SINGLE ATTESTATION PROGRAM FOR MORTGAGE BANKERS: The Uniform
Single Attestation Program for Mortgage Bankers, as published by the Mortgage
Bankers Association of America and effective with respect to fiscal periods
ending on or after December 15, 1995.
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UNINSURED CAUSE: Any cause of damage to property subject to a Mortgage
such that the complete restoration of such property is not fully reimbursable by
the hazard insurance policies.
UNITED STATES PERSON: A citizen or resident of the United States, a
corporation, partnership or other entity created or organized in, or under the
laws of, the United States, any state thereof, or the District of Columbia
(except in the case of a partnership, to the extent provided in Treasury
regulations) or any political subdivision thereof, or an estate that is
described in Section 7701(a)(30)(D) of the Code, or a trust that is described in
Section 7701(a)(30)(E) of the Code.
VOTING RIGHTS: The portion of the voting rights of all of the Certificates
which is allocated to any Certificate, and more specifically designated in
Article XI of the Series Supplement.
SECTION 1.02. USE OF WORDS AND PHRASES.
"Herein," "hereby," "hereunder," `hereof," "hereinbefore,"
"hereinafter" and other equivalent words refer to the Pooling and Servicing
Agreement as a whole. All references herein to Articles, Sections or Subsections
shall mean the corresponding Articles, Sections and Subsections in the Pooling
and Servicing Agreement. The definition set forth herein include both the
singular and the plural.
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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). In connection with such transfer and assignment,
the Company does hereby deliver to the Trustee the Certificate Policy (as
defined in the Series Supplement), if any.
(b) In connection with such assignment, except as set forth in Section 2.01(c)
and subject to Section 2.01(d) 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, noting the presence of the MIN of the Mortgage
Loan and language indicating that the Mortgage Loan is a MOM Loan if
the Mortgage Loan is a MOM Loan, 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) Unless the Mortgage Loan is registered on the MERS(R) System, 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 to MERS, if the Mortgage Loan is
registered on the MERS(R) System and noting the presence of a MIN) with
evidence of recordation noted thereon or attached thereto, 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
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(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 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.
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(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 thirty 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.
(d) In connection with any Mortgage Loan, if 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 because of (i) 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, or (ii) a
delay in the receipt of certain information necessary to prepare the related
assignments, 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 (a) 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 or (b) if MERS is identified on
the Mortgage or on a properly recorded assignment of the Mortgage as the
mortgagee of record solely as nominee for the Seller and its successors and
assigns, and shall promptly cause to be filed the Form UCC-3 assignment and
UCC-1 financing statement referred to in clause (II)(vii) and (x), respectively,
of Section 2.01(b). If any Assignment, Form UCC-3 or Form UCC-1, as applicable,
is lost or returned unrecorded to the Company because of any defect therein, the
Company shall prepare a substitute Assignment, Form UCC-3 or Form UCC-1, as
applicable, or cure such defect, as the case may be, and cause such Assignment
to be recorded in accordance with this paragraph. The Company shall promptly
deliver or cause to be delivered to the Trustee or the respective Custodian such
Mortgage or Assignment or Form UCC-3 or Form UCC-1, as applicable, (or copy
thereof certified by the public recording office) with evidence of recording
indicated thereon upon receipt thereof from the public recording office or from
the related Subservicer. In connection with its servicing of Cooperative Loans,
the Master Servicer will use its best efforts to file timely continuation
statements with regard to each financing statement and assignment relating to
Cooperative Loans as to which the related Cooperative Apartment is located
outside of the State of New York.
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If 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 to the Trustee or the Custodian.
In connection with the assignment of any Mortgage Loan registered on
the MERS(R) System, the Company further agrees that it will cause, at the
Company's own expense, on or prior to the Closing Date, the MERS(R) System to
indicate that such Mortgage Loans have been assigned by the Company to the
Trustee in accordance with this Agreement for the benefit of the
Certificateholders by including (or deleting, in the case of Mortgage LOANS
WHICH ARE REPURCHASED IN ACCORDANCE WITH THIS AGREEMENT) IN SUCH COMPUTER FILES
(A) THE CODE "[IDENTIFY TRUSTEE SPECIFIC CODE]" IN THE FIELD "[IDENTIFY THE
FIELD NAME FOR TRUSTEE]" which identifies the Trustee and (b) THE CODE
"[IDENTIFY SERIES SPECIFIC CODE NUMBER]" in the field "Pool Field" which
identifies the series of the Certificates issued in connection with such
Mortgage Loans. The Company further agrees that it will not, and will not permit
the Master Servicer to, and the Master Servicer agrees that it will not, alter
the codes referenced in this paragraph with respect to any Mortgage Loan during
the term of this Agreement unless and until such Mortgage Loan is repurchased in
accordance with the terms of this Agreement.
(e) Residential Funding hereby assigns to the Trustee its security interest in
and to any Additional Collateral or Pledged Assets, its right to receive amounts
due or to become due in respect of any Additional Collateral or Pledged Assets
pursuant to the related Subservicing Agreement and its rights as beneficiary
under the Surety Bond in respect of any Additional Collateral Loans. With
respect to any Additional Collateral Loan or Pledged Asset 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 and the Uncertificated
REMIC Regular Interests, if any (as provided for in Section 2.06), be construed
as a sale by the Company to the Trustee of the Mortgage Loans and any
Uncertificated REMIC Regular Interests for the benefit of the
Certificateholders. Further, it is not intended that such conveyance be deemed
to be a pledge of the Mortgage Loans and any Uncertificated REMIC Regular
Interests by the Company to the Trustee to secure a debt or other obligation of
the Company. However, if the Mortgage Loans and any Uncertificated REMIC Regular
Interests 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 and any Uncertificated REMIC Regular Interests, then it is
intended that (a) this Agreement shall 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, and hereby is, (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 any and all general intangibles,
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accounts, chattel paper, instruments, documents, money, deposit accounts,
certificates of deposit, goods, letters of credit, advices of credit and
investment property and other property of whatever kind or description now
existing or hereafter acquired consisting of, arising from or relating to any of
the following: (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 and Cooperative Lease, (ii)
with respect to each Mortgage Loan other than a Cooperative Loan, the related
Mortgage Note and Mortgage, and (iii) 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, (C) any Uncertificated
REMIC Regular Interests and (D) all proceeds of the conversion, voluntary or
involuntary, of the foregoing into cash, instruments, securities or other
property, including without limitation all amounts from time to time held or
invested in the Certificate Account or the Custodial Account, whether in the
form of cash, instruments, securities or other property and (2) an assignment by
the Company to the Trustee of any security interest in any and all of
Residential Funding's right (including the power to convey title thereto), title
and interest, whether now owned or hereafter acquired, in and to the property
described in the foregoing clauses (1)(A), (B), (C) and (D) 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, goods, letters of credit, advices of credit, investment
property, certificated securities 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, Sections 8-106, 9-305 and 9-115 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, securities intermediaries,
bailees or agents of, or persons holding for (as applicable) 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
determined to create a security interest in the Mortgage Loans, any
Uncertificated REMIC Regular Interests and the other property described above,
such security interest would be determined 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 and any Uncertificated REMIC
Regular Interests, as evidenced by an Officers' Certificate of the Company,
including without limitation (x) continuation statements, and (y) such other
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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, (3) any transfer of any interest of
Residential Funding or the Company in any Mortgage Loan or (4) any transfer of
any interest of Residential Funding or the Company in any Uncertificated REMIC
Regular Interest.
(g) The Master Servicer hereby acknowledges the receipt by it of the Initial
Monthly Payment Fund. 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 initial Distribution
Date. Notwithstanding anything herein to the contrary, the Initial Monthly
Payment Fund shall not be an asset of any 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 any REMIC, (2) it
shall be owned by the Seller and (3) amounts transferred by any 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.
(h) The Company agrees that the sale of each Pledged Asset Loan pursuant to this
Agreement will also constitute the assignment, sale, setting-over, transfer and
conveyance to the Trustee, without recourse (but subject to the Company's
covenants, representations and warranties specifically provided herein), of all
of the Company's obligations and all of the Company's right, title and interest
in, to and under, whether now existing or hereafter acquired as owner of the
Mortgage Loan with respect to all money, securities, security entitlements,
accounts, general intangibles, instruments, documents, certificates of deposit,
commodities contracts, and other investment property and other property of
whatever kind or description consisting of, arising from or related to (i) the
Assigned Contracts, (ii) all rights, powers and remedies of the Company as owner
of such Mortgage Loan under or in connection with the Assigned Contracts,
whether arising under the terms of such Assigned Contracts, by statute, at law
or in equity, or otherwise arising out of any default by the Mortgagor under or
in connection with the Assigned Contracts, including all rights to exercise any
election or option or to make any decision or determination or to give or
receive any notice, consent, approval or waiver thereunder, (iii) all security
interests in and lien of the Company as owner of such Mortgage Loan in the
Pledged Amounts and all money, securities, security entitlements, accounts,
general intangibles, instruments, documents, certificates of deposit,
commodities contracts, and other investment property and other property of
whatever kind or description and all cash and non-cash proceeds of the sale,
exchange, or redemption of, and all stock or conversion rights, rights to
subscribe, liquidation dividends or preferences, stock dividends, rights to
interest, dividends, earnings, income, rents, issues, profits, interest payments
or other distributions of cash or other property that is credited to the
Custodial Account, (iv) all documents, books and records concerning the
foregoing (including all computer programs, tapes, disks and related items
containing any such information) and (v) all insurance proceeds (including
proceeds from the Federal Deposit Insurance Corporation or the Securities
Investor Protection Corporation or any other insurance company) of any of the
foregoing or replacements thereof or substitutions therefor, proceeds of
proceeds and the conversion, voluntary or involuntary, of any thereof. The
foregoing transfer, sale, assignment and conveyance does not constitute and is
not intended to result in the creation, or an assumption by the Trustee, of any
obligation of the Company, or any other person in connection with the Pledged
Assets or under any agreement or instrument relating thereto, including any
obligation to the Mortgagor, other than as owner of the Mortgage Loan.
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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 Pledged Assets, Additional Collateral
and the Surety Bond assigned to the Trustee pursuant to Section 2.01, in trust
for the use and benefit of all present and future Certificateholders. The
Trustee or Custodian (such Custodian being so obligated under a Custodial
Agreement) agrees, for the benefit of Certificateholders, to review each
Mortgage File delivered to it pursuant to Section 2.01(b) within 45 days after
the Closing Date to ascertain that all required documents (specifically as set
forth in Section 2.01(b)), have been executed and received, and that such
documents relate to the Mortgage Loans identified on the Mortgage Loan Schedule,
as supplemented, that have been conveyed to it. Upon delivery of the Mortgage
Files by the Company or the Master Servicer, the Trustee shall acknowledge
receipt (or, with respect to Mortgage Loans subject to a Custodial Agreement,
and based solely upon a receipt or certification executed by the Custodian,
receipt by the respective Custodian as the duly appointed agent of the Trustee)
of the documents referred to in Section 2.01(c) above. The Trustee or Custodian
(such Custodian being so obligated under a Custodial Agreement) agrees to review
each Mortgage File delivered to it pursuant to Section 2.01(c) within 45 days
after receipt thereof to ascertain that all documents required to be delivered
pursuant to such Section have been received, and that such documents relate to
the Mortgage Loans identified on the Mortgage Loan Schedule, as supplemented,
that have been conveyed to it.
If the Custodian, as the Trustee's agent, finds any document or
documents constituting a part of a Mortgage File to be missing or defective, 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 in respect of the items reviewed by
it pursuant to the Custodial Agreement. If such omission or defect materially
and adversely affects the interests of the Certificateholders, 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 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
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Loan released pursuant hereto and thereafter such Mortgage Loan shall not be
part of the Trust Fund. In furtherance of the foregoing, if the Subservicer or
Seller that repurchases the Mortgage Loan is not a member of MERS and the
Mortgage is registered on the MERS(R) System, the Master Servicer, at its own
expense and without any right of reimbursement, shall cause MERS to execute and
deliver an assignment of the Mortgage in recordable form to transfer the
Mortgage from MERS to such Subservicer or Seller and shall cause such Mortgage
to be removed from registration on the MERS(R) System in accordance with MERS'
rules and regulations. 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 and adverse 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. Notwithstanding the foregoing, it is understood and
agreed that the Master Servicer shall use its best efforts to substitute, within
60 days of the Closing Date, Qualified Substitute Mortgage Loans to replace any
of the Mortgage Loans identified on Schedule I hereto with respect to which any
document or documents constituting a part of the Mortgage File are missing or
defective in any material respect if the Master Servicer cannot cure such
omission or defect within such 60 day period.
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;
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(iii) This Agreement, assuming due authorization, execution and delivery by
the Trustee and the Company, constitutes a valid, legal and binding
obligation of the Master Servicer, enforceable against it in accordance
with the terms hereof subject to applicable bankruptcy, insolvency,
reorganization, moratorium and other laws affecting the enforcement of
creditors' rights generally and to general principles of equity,
regardless of whether such enforcement is considered in a proceeding in
equity or at law;
(iv) The Master Servicer is not in default with respect to any order or
decree of any court or any order, regulation or demand of any federal,
state, municipal or governmental agency, which default might have
consequences that would materially and adversely affect the condition
(financial or other) or operations of the Master Servicer or its
properties or might have consequences that would materially adversely
affect its performance hereunder;
(v) No litigation is pending or, to the best of the Master Servicer's
knowledge, threatened against the Master Servicer which would prohibit
its entering into this Agreement or performing its obligations under
this Agreement;
(vi) The Master Servicer will comply in all material respects in the
performance of this Agreement with all reasonable rules and
requirements of each insurer under each Required Insurance Policy;
(vii) No information, certificate of an officer, statement furnished in
writing or report delivered to the Company, any Affiliate of the
Company or the Trustee by the Master Servicer will, to the knowledge of
the Master Servicer, contain any untrue statement of a material fact or
omit a material fact necessary to make the information, certificate,
statement or report not misleading;
(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; and
(ix) The Master Servicer is a member of MERS in good standing, and will
comply in all material respects with the rules and procedures of MERS
in connection with the servicing of the Mortgage Loans that are
registered with MERS.
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
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Code, any such cure or repurchase 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) Representations and warranties relating to the Mortgage Loans are set forth
in Section 2.03(b) of the Series Supplement.
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 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, repurchase 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
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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, if required pursuant to Section
2.01, and such other documents and agreements as are required by Section 2.01,
with the Mortgage Note endorsed as required by Section 2.01. No substitution
will be made in any calendar month after the Determination Date for such month.
Monthly Payments due with respect to Qualified Substitute Mortgage Loans in the
month of substitution shall not be part of the Trust Fund and will be retained
by the Master Servicer and remitted by the Master Servicer to Residential
Funding on the next succeeding Distribution Date. For the month of substitution,
distributions to the Certificateholders will include the Monthly Payment due on
a Deleted Mortgage Loan for such month and thereafter Residential Funding shall
be entitled to retain all amounts received in respect of such Deleted Mortgage
Loan. The Master Servicer shall amend or cause to be amended the Mortgage Loan
Schedule, and, if the Deleted Mortgage Loan was a Discount Mortgage Loan, the
Schedule of Discount Fractions, for the benefit of the Certificateholders to
reflect the removal of such Deleted Mortgage Loan and the substitution of the
Qualified Substitute Mortgage Loan or Loans and the Master Servicer shall
deliver the amended Mortgage Loan Schedule, and, if the Deleted Mortgage Loan
was a Discount Mortgage Loan, the amended Schedule of Discount Fractions, to the
Trustee. Upon such substitution, the Qualified Substitute Mortgage Loan or Loans
shall be subject to the terms of this Agreement and the related Subservicing
Agreement in all respects, the related Seller shall be deemed to have made the
representations and warranties with respect to the Qualified Substitute Mortgage
Loan contained in the related Seller's Agreement as of the date of substitution,
and the Company and the Master Servicer shall be deemed to have made with
respect to any Qualified Substitute Mortgage Loan or Loans, as of the date of
substitution, the covenants, representations and warranties set forth in this
Section 2.04, in Section 2.03 hereof and in Section 4 of the Assignment
Agreement, and the Master Servicer shall be obligated to repurchase or
substitute for any Qualified Substitute Mortgage Loan as to which a Repurchase
Event (as defined in the Assignment Agreement) has occurred pursuant to Section
4 of the Assignment Agreement.
In connection with the substitution of one or more Qualified Substitute
Mortgage Loans for one or more Deleted Mortgage Loans, the Master Servicer will
determine the amount (if any) by which the aggregate principal balance of all
such Qualified Substitute Mortgage Loans as of the date of substitution is less
than the aggregate Stated Principal Balance of all such Deleted Mortgage Loans
(in each case after application of the principal portion of the Monthly Payments
due in the month of substitution that are to be distributed to the
Certificateholders in the month of substitution). Residential Funding shall
deposit the amount of such shortfall into the Custodial Account on the day of
substitution, without any reimbursement therefor. Residential Funding shall give
notice in writing to the Trustee of such event, which notice shall be
accompanied by an Officers' Certificate as to the calculation of such shortfall
and (subject to Section 10.01(f)) by an Opinion of Counsel to the effect that
such substitution will not cause (a) any federal tax to be imposed on the Trust
Fund, including without limitation, any federal tax imposed on "prohibited
transactions" under Section 860F(a)(1) of the Code or on "contributions after
the startup date" under Section 860G(d)(1) of the Code or (b) any portion of any
REMIC to fail to qualify as such 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.
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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 commencement,
prosecution or 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. The Master Servicer further is authorized and
empowered by the Trustee, on behalf of the Certificateholders and the Trustee,
in its own name or in the name of the Subservicer, when the Master Servicer or
the Subservicer, as the case may be, believes it appropriate in its best
judgment to register any Mortgage Loan on the MERS(R) System, or cause the
removal from the registration of any Mortgage Loan on the MERS(R) System, to
execute and deliver, on behalf of the Trustee and the Certificateholders or any
of them, any and all instruments of assignment and other comparable instruments
with respect to such assignment or re-recording of a Mortgage in the name of
MERS, solely as nominee for the Trustee and its successors and assigns. Any
expenses incurred in connection with the actions described in the preceding
sentence shall be borne by the Master Servicer in accordance with Section
3.16(c), with no right of reimbursement; provided, that if, as a result of MERS
discontinuing or becoming unable to continue operations in connection with the
MERS System, it becomes necessary to remove any Mortgage Loan from registration
on the MERS System and to arrange for the assignment of the related Mortgages to
the Trustee, then any related expenses shall be reimbursable to the Master
Servicer. 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 any REMIC
formed under the Series Supplement to fail to qualify as a REMIC 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
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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.
(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 E. 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
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in the Program Guide is merely provided for information and shall not be deemed
to limit in any respect the discretion of the Master Servicer to modify or enter
into different SUBSERVICING AGREEMENTS; PROVIDED, HOWEVER, that any such
amendments or different forms shall be consistent with and not violate the
provisions of either this Agreement or the Program Guide in a manner which would
materially and adversely affect the interests of the Certificateholders.
(b) As part of its servicing activities hereunder, the Master Servicer, for the
benefit of the Trustee and the Certificateholders, shall use its best reasonable
efforts to enforce the obligations of each Subservicer under the related
Subservicing Agreement and of each Seller under the related Seller's Agreement,
to the extent that the non-performance of any such obligation would have a
material and adverse effect on a Mortgage Loan, including, without limitation,
the obligation to purchase a Mortgage Loan on account of defective
documentation, as described in Section 2.02, or on account of a breach of a
representation or warranty, as described in Section 2.04. Such enforcement,
including, without limitation, the legal prosecution of claims, termination of
Subservicing Agreements or Seller's Agreements, as appropriate, and the pursuit
of other appropriate remedies, shall be in such form and carried out to such an
extent and at such time as the Master Servicer would employ in its good faith
business judgment and which are normal and usual in its general mortgage
servicing activities. The Master Servicer shall pay the costs of such
enforcement at its own expense, and shall be reimbursed therefor only (i) from a
general recovery resulting from such enforcement to the extent, if any, that
such recovery exceeds all amounts due in respect of the related Mortgage Loan or
(ii) from a specific recovery of costs, expenses or attorneys fees against the
party against whom such enforcement is directed.
SECTION 3.03. SUCCESSOR SUBSERVICERS.
The Master Servicer shall be entitled to terminate any Subservicing
Agreement that may exist in accordance with the terms and conditions of such
Subservicing Agreement and without any limitation by virtue of THIS AGREEMENT;
PROVIDED, HOWEVER, that in the event of termination of any Subservicing
Agreement by the Master Servicer or the Subservicer, the Master Servicer shall
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.
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SECTION 3.04. LIABILITY OF THE MASTER SERVICER.
Notwithstanding any Subservicing Agreement, any of the provisions of
this Agreement relating to agreements or arrangements between the Master
Servicer or a Subservicer or reference to actions taken through a Subservicer or
otherwise, the Master Servicer shall remain obligated and liable to the Trustee
and the Certificateholders for the servicing and administering of the Mortgage
Loans in accordance with the provisions of Section 3.01 without diminution of
such obligation or liability by virtue of such Subservicing Agreements or
arrangements or by virtue of indemnification from the Subservicer or the Company
and to the same extent and under the same terms and conditions as if the Master
Servicer alone were servicing and administering the Mortgage Loans. The Master
Servicer shall be entitled to enter into any agreement with a Subservicer or
Seller for indemnification of the Master Servicer and nothing contained in this
Agreement shall be deemed to limit or modify such indemnification.
SECTION 3.05. NO CONTRACTUAL RELATIONSHIP BETWEEN SUBSERVICER AND
TRUSTEE OR CERTIFICATEHOLDERS.
Any Subservicing Agreement that may be entered into and any other
transactions or services relating to the Mortgage Loans involving a Subservicer
in its capacity as such and not as an originator shall be deemed to be between
the Subservicer and the Master Servicer alone and the Trustee and the
Certificateholders shall not be deemed parties thereto and shall have no claims,
rights, obligations, duties or liabilities with respect to the Subservicer in
its capacity as such except as set forth in Section 3.06. The foregoing
provision shall not in any way limit a Subservicer's obligation to cure an
omission or defect or to repurchase a Mortgage Loan as referred to in Section
2.02 hereof.
SECTION 3.06. ASSUMPTION OR TERMINATION OF SUBSERVICING AGREEMENTS BY TRUSTEE.
(a) If 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.
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SECTION 3.07. COLLECTION OF CERTAIN MORTGAGE LOAN PAYMENTS;
DEPOSITS TO CUSTODIAL ACCOUNT.
(a) The Master Servicer shall make reasonable efforts to collect all payments
called for under the terms and provisions of the Mortgage Loans, and shall, to
the extent such procedures shall be consistent with this Agreement and the terms
and provisions of any related Primary Insurance Policy, follow such collection
procedures as it would employ in its good faith business judgment and which are
normal and usual in its general mortgage servicing activities. Consistent with
the foregoing, the Master Servicer may in its discretion (i) waive any late
payment charge or any prepayment charge or penalty interest in connection with
the prepayment of a Mortgage Loan and (ii) extend the Due Date for payments due
on a Mortgage Loan in accordance with the Program Guide; PROVIDED, HOWEVER, that
the Master Servicer shall first determine that any such waiver or extension will
not impair the coverage of any related Primary Insurance Policy or materially
adversely affect the lien of the related Mortgage. In the event of any such
arrangement, the Master Servicer shall make timely advances on the related
Mortgage Loan during the scheduled period in accordance with the amortization
schedule of such Mortgage Loan without modification thereof by reason of such
arrangements unless otherwise agreed to by the Holders of the CLASSES OF
CERTIFICATES AFFECTED THEREBY; PROVIDED, HOWEVER, that no such extension shall
be made if any such 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, except if such reissuance is described in Treasury
Regulation Section 1.860G-2(b)(3).
(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):
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(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);
(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);
(vii) Any amounts realized by the Subservicer and received by the Master
Servicer in respect of any Additional Collateral; and
(viii) Any amounts received by the Master Servicer in respect of Pledged Assets.
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
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(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
Master Servicer out of its own funds immediately as realized without any right
of reimbursement.
(d) The Master Servicer shall give notice to the Trustee and the Company of any
change in the location of the Custodial Account and the location of the
Certificate Account prior to the use thereof.
SECTION 3.08. SUBSERVICING ACCOUNTS; SERVICING ACCOUNTS.
(a) In those cases where a Subservicer is servicing a Mortgage Loan pursuant to
a Subservicing Agreement, the Master Servicer shall cause the Subservicer,
pursuant to the Subservicing Agreement, to establish and maintain one or more
Subservicing Accounts which shall be an Eligible Account or, if such account is
not an Eligible Account, shall generally satisfy the requirements of the Program
Guide and be otherwise acceptable to the Master Servicer and each Rating Agency.
The Subservicer will be required thereby to deposit into the Subservicing
Account on a daily basis all proceeds of Mortgage Loans received by the
Subservicer, less its Subservicing Fees and unreimbursed advances and expenses,
to the extent permitted by the Subservicing Agreement. If the Subservicing
Account is not an Eligible Account, the Master Servicer shall be deemed to have
received such monies upon receipt thereof by the Subservicer. The Subservicer
shall not be required to deposit in the Subservicing Account payments or
collections in the nature of prepayment charges or late charges or assumption
fees. On or before the date specified in the Program Guide, but in no event
later than the Determination Date, the Master Servicer shall cause the
Subservicer, pursuant to the Subservicing Agreement, to remit to the Master
Servicer for deposit in the Custodial Account all funds held in the Subservicing
Account with respect to each Mortgage Loan serviced by such Subservicer that are
required to be remitted to the Master Servicer. The Subservicer will also be
required, pursuant to the Subservicing Agreement, to advance on such scheduled
date of remittance amounts equal to any scheduled monthly installments of
principal and interest less its Subservicing Fees on any Mortgage Loans for
which payment was not received by the Subservicer. This obligation to advance
with respect to each Mortgage Loan will continue up to and including the first
of the month following the date on which the related Mortgaged Property is sold
at a foreclosure sale or is acquired 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.
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(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 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.
If 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
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such documentation and shall provide equipment for that purpose at a charge
reasonably approximating the cost of such photocopying to the Master Servicer.
SECTION 3.10. PERMITTED WITHDRAWALS FROM THE CUSTODIAL ACCOUNT.
(a) The Master Servicer may, from time to time as provided herein, make
withdrawals from the Custodial Account of amounts on deposit therein pursuant to
Section 3.07 that are attributable to the Mortgage Loans for the following
purposes:
(i) to make deposits into the Certificate Account in the amounts and in the
manner provided for in Section 4.01;
(ii) to reimburse itself or the related Subservicer for previously unreimbursed
advances or expenses made pursuant to Sections 3.01, 3.07(a), 3.08, 3.11,
3.12(a), 3.14 and 4.04 or otherwise reimbursable pursuant to the terms of
this Agreement, such withdrawal right being limited to amounts received on
particular Mortgage Loans (including, for this purpose, REO Proceeds,
Insurance Proceeds, Liquidation Proceeds and proceeds from the purchase of
a Mortgage Loan pursuant to Section 2.02, 2.03, 2.04 or 4.07) which
represent (A) Late Collections of Monthly Payments for which any such
advance was made in the case of Subservicer Advances or Advances pursuant
to Section 4.04 and (B) recoveries of amounts in respect of which such
advances were made in the case of Servicing Advances;
(iii)to pay to itself or the related Subservicer (if not previously retained by
such Subservicer) out of each payment received by the Master Servicer on
account of 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 and other property deposited in or
credited to 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;
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(vii) to reimburse itself or the related Subservicer for any Nonrecoverable
Advance or Advances in the manner and to the extent provided in
subsection (c) below, 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);
(viii) to reimburse itself or the Company for expenses incurred by and
reimbursable to it or the Company pursuant to Sections 3.01(a), 3.11,
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 Servicing Advances 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
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Subservicer, would have been covered thereunder. To the extent coverage is
available, the Master Servicer shall keep or cause to be kept in full force and
effect each such Primary Insurance Policy until the principal balance of the
related Mortgage Loan secured by a Mortgaged Property is reduced to 80% or less
of the Appraised Value in the case of such a Mortgage Loan having a
Loan-to-Value Ratio at origination in excess of 80%, provided that such Primary
Insurance Policy was in place as of the Cut-off Date and the Company had
knowledge of such Primary Insurance Policy. The Master Servicer shall be
entitled to cancel or permit the discontinuation of any Primary Insurance Policy
as to any Mortgage Loan, if the Stated Principal Balance of the Mortgage Loan is
reduced below an amount equal to 80% of the appraised value of the related
Mortgaged Property as determined in any appraisal thereof after the Closing
Date, or if the Loan-to-Value Ratio is reduced below 80% as a result of
principal payments on the Mortgage Loan after the Closing Date. In the event
that the Company gains knowledge that as of the Closing Date, a Mortgage Loan
had a Loan-to-Value Ratio at origination in excess of 80% and is not the subject
of a Primary Insurance Policy (and was not included in any exception to the
representation in Section 2.03(b)(iv)) and that such Mortgage Loan has a current
Loan-to-Value Ratio in excess of 80% then the Master Servicer shall use its
reasonable efforts to obtain and maintain a Primary Insurance Policy to the
extent that such a policy is obtainable at a reasonable price. The Master
Servicer shall not cancel or refuse to renew any such Primary Insurance Policy
applicable to a Nonsubserviced Mortgage Loan, or consent to any Subservicer
canceling or refusing to renew any such Primary Insurance Policy applicable to a
Mortgage Loan subserviced by it, that is in effect at the date of the initial
issuance of the Certificates and is required to be kept in force hereunder
unless the replacement Primary Insurance Policy for such canceled or non-renewed
policy is maintained with an insurer whose claims-paying ability is acceptable
to each Rating Agency for mortgage pass-through certificates having a rating
equal to or better than the lower of the then-current rating or the rating
assigned to the Certificates as of the Closing Date by such Rating Agency.
(b) In connection with its activities as administrator and servicer of the
Mortgage Loans, the Master Servicer agrees to present or to cause the related
Subservicer to present, on behalf of the Master Servicer, the Subservicer, if
any, the Trustee and Certificateholders, claims to the related Insurer under any
Primary Insurance Policies, in a timely manner in accordance with such policies,
and, in this regard, to take or cause to be taken such reasonable action as
shall be necessary to permit recovery under any Primary Insurance Policies
respecting defaulted Mortgage Loans. Pursuant to Section 3.07, any Insurance
Proceeds collected by or remitted to the Master Servicer under any Primary
Insurance Policies shall be deposited in the Custodial Account, subject to
withdrawal pursuant to Section 3.10.
SECTION 3.12. MAINTENANCE OF FIRE INSURANCE AND
OMISSIONS AND FIDELITY COVERAGE.
(a) The Master Servicer shall cause to be maintained for each Mortgage Loan
(other than a Cooperative Loan) fire insurance with extended coverage in an
amount which is equal to the lesser of the principal balance owing on SUCH
MORTGAGE LOAN OR 100 PERCENT OF THE INSURABLE VALUE OF THE IMPROVEMENTS;
PROVIDED, HOWEVER, that such coverage may not be less than the minimum amount
required to fully compensate for any loss or damage on a replacement cost basis.
To the extent it may do so without breaching the related Subservicing Agreement,
the Master Servicer shall replace any Subservicer that does not cause such
insurance, to the extent it is available, to be maintained. The Master Servicer
shall also cause to be maintained on property acquired upon foreclosure, or deed
in lieu of foreclosure, of any Mortgage Loan (other than a Cooperative Loan),
fire insurance with extended coverage in an amount which is at least equal to
the amount necessary to avoid the application of any co-insurance clause
contained in the related hazard insurance policy. Pursuant to Section 3.07, any
amounts collected by the Master Servicer under any such policies (other than
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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).
If 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 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,
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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 either (i) both (A) constitute a "significant
modification" effecting an exchange or reissuance of such Mortgage Loan under
the REMIC Provisions and (B) cause any portion of any REMIC formed under the
Series Supplement 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 (ii) constitute "contributions" after the start-up date under
the REMIC Provisions. The Master Servicer shall execute and deliver such
documents only if it reasonably determines that (i) its execution and delivery
thereof will not conflict with or violate any terms of this Agreement or cause
the unpaid balance and interest on the Mortgage Loan to be uncollectible in
whole or in part, (ii) any required consents of insurers under any Required
Insurance Policies have been obtained and (iii) subsequent to the closing of the
transaction involving the assumption or transfer (A) the Mortgage Loan will
continue to be secured by a first mortgage lien pursuant to the terms of the
Mortgage, (B) such transaction will not adversely affect the coverage under any
Required Insurance Policies, (C) the Mortgage Loan will fully amortize over the
remaining term thereof, (D) no material term of the Mortgage Loan (including the
interest rate on the Mortgage Loan) will be altered nor will the term of the
Mortgage Loan be changed and (E) if the seller/transferor of the Mortgaged
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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)
without any right of reimbursement 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 any portion of any REMIC formed under the
Series Supplement 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 any such 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 M, in form and substance
satisfactory to the Trustee and Master Servicer, providing the following: (i)
that the substance of the assignment is, and is intended to be, a refinancing of
such Mortgage; (ii) that the Mortgage Loan following the proposed assignment
will have a rate of interest at least 0.25 percent below or above the rate of
interest on such Mortgage Loan prior to such proposed assignment; and (iii) that
such assignment is at the request of the borrower under the related Mortgage
Loan. Upon approval of an assignment in lieu of satisfaction with respect to any
Mortgage Loan, the Master Servicer shall receive cash in an amount equal to the
unpaid principal balance of and accrued interest on such Mortgage Loan and the
Master Servicer shall treat such amount as a Principal Prepayment in Full with
respect to such Mortgage Loan for all purposes hereof.
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SECTION 3.14. REALIZATION UPON DEFAULTED MORTGAGE LOANS.
(a) The Master Servicer shall foreclose upon or otherwise comparably convert
(which may include an REO Acquisition) the ownership of properties securing such
of the Mortgage Loans as come into and continue in default and as to which no
satisfactory arrangements can be made for collection of delinquent payments
pursuant to Section 3.07. In connection with such foreclosure or other
conversion, the Master Servicer shall, consistent with Section 3.11, follow such
practices and procedures as it shall deem necessary or advisable, as shall be
normal and usual in its general mortgage servicing activities and as shall be
required or permitted by the Program Guide; provided that the Master Servicer
shall not be liable in any respect hereunder if the Master Servicer is acting in
connection with any such foreclosure or other conversion in a manner that is
consistent with the provisions of this Agreement. The Master Servicer, however,
shall not be required to expend its own funds or incur other reimbursable
charges in connection with any foreclosure, or attempted foreclosure which is
not completed, or towards the restoration of any property unless it shall
determine (i) that such restoration and/or foreclosure will increase the
proceeds of liquidation of the Mortgage Loan to Holders of Certificates of one
or more Classes after reimbursement to itself for such expenses or charges and
(ii) that such expenses or charges will be recoverable to it through Liquidation
Proceeds, Insurance Proceeds, or REO Proceeds (respecting which it shall have
priority for purposes of withdrawals from the Custodial Account pursuant to
Section 3.10, whether or not such expenses and charges are actually recoverable
from related Liquidation Proceeds, Insurance Proceeds or REO Proceeds). In the
event of such a determination by the Master Servicer pursuant to this Section
3.14(a), the Master Servicer shall be entitled to reimbursement of such amounts
pursuant to Section 3.10.
In addition to the foregoing, the Master Servicer shall use
its best reasonable efforts to realize upon any Additional Collateral for such
of the Additional Collateral Loans as come into and continue in default and as
to which no satisfactory arrangements can be made for collection of delinquent
payments pursuant to Section 3.07; provided that the Master Servicer shall not,
on behalf of the Trustee, obtain title to any such Additional Collateral as a
result of or in lieu of the disposition thereof or otherwise; and provided
further that (i) the Master Servicer shall not proceed with respect to such
Additional Collateral in any manner that would impair the ability to recover
against the related Mortgaged Property, and (ii) the Master Servicer shall
proceed with any REO Acquisition in a manner that preserves the ability to apply
the proceeds of such Additional Collateral against amounts owed under the
defaulted Mortgage Loan. Any proceeds realized from such Additional Collateral
(other than amounts to be released to the Mortgagor or the related guarantor in
accordance with procedures that the Master Servicer would follow in servicing
loans held for its own account, subject to the terms and conditions of the
related Mortgage and Mortgage Note and to the terms and conditions of any
security agreement, guarantee agreement, mortgage or other agreement governing
the disposition of the proceeds of such Additional Collateral) shall be
deposited in the Custodial Account, subject to withdrawal pursuant to Section
3.10. Any other payment received by the Master Servicer in respect of such
Additional Collateral shall be deposited in the Custodial Account subject to
withdrawal pursuant to Section 3.10.
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For so long as the Master Servicer is the Master Servicer
under the Credit Support Pledge Agreement, the Master Servicer shall perform its
obligations under the Credit Support Pledge Agreement in accordance with such
Agreement and in a manner that is in the best interests of the
Certificateholders. Further, the Master Servicer shall use its best reasonable
efforts to realize upon any Pledged Assets for such of the Pledged Asset 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 Pledged Assets 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 Pledged Assets 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 Pledged Assets against
amounts owed under the defaulted Mortgage Loan. Any proceeds realized from such
Pledged Assets (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 Pledged Assets)
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 Pledged Assets shall be deposited in the Custodial Account subject to
withdrawal pursuant to Section 3.10.
Concurrently with the foregoing, the Master Servicer may
pursue any remedies that may be available in connection with a breach of a
representation and warranty with respect to any such Mortgage Loan in accordance
with Sections 2.03 and 2.04. However, the Master Servicer is not required to
continue to pursue both foreclosure (or similar remedies) with respect to the
Mortgage Loans and remedies in connection with a breach of a representation and
warranty if the Master Servicer determines in its reasonable discretion that one
such remedy is more likely to result in a greater recovery as to the Mortgage
Loan. Upon the occurrence of a Cash Liquidation or REO Disposition, following
the deposit in the Custodial Account of all Insurance Proceeds, Liquidation
Proceeds and other payments and recoveries referred to in the definition of
"Cash Liquidation" or "REO Disposition," as applicable, upon receipt by the
Trustee of written notification of such deposit signed by a Servicing Officer,
the Trustee or any Custodian, as the case may be, shall release to the Master
Servicer the related Mortgage File and the Trustee shall execute and deliver
such instruments of transfer or assignment prepared by the Master Servicer, in
each case without recourse, as shall be necessary to vest in the Master Servicer
or its designee, as the case may be, the related Mortgage Loan, and thereafter
such Mortgage Loan shall not be part of the Trust Fund. Notwithstanding the
foregoing or any other provision of this Agreement, in the Master Servicer's
sole discretion with respect to any defaulted Mortgage Loan or REO Property as
to either of the following provisions, (i) a Cash Liquidation or REO Disposition
may be deemed to have occurred if substantially all amounts expected by the
Master Servicer to be received in connection with the related defaulted Mortgage
Loan or REO Property have been received, and (ii) for purposes of determining
the amount of any Liquidation Proceeds, Insurance Proceeds, REO Proceeds or any
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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) If 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) If the Trust Fund acquires any REO Property as aforesaid or otherwise in
connection with a default or imminent default on a Mortgage Loan, the Master
Servicer on behalf of the Trust Fund shall dispose of such REO Property within
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 any portion of any REMIC formed under the
Series Supplement 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 any
REMIC formed under the Series Supplement 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.
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(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
such recovery is of an amount previously allocated to one or more Classes of
Certificates as a Realized Loss, such recovery shall be allocated among such
Classes in the same proportions as the allocation of such Realized Losses and,
if any such Class of Certificates to which such Realized Loss was allocated is
no longer outstanding, such subsequent recovery shall be distributed to the
persons who were the Holders of such Class of Certificates when it was retired);
fourth, to all Servicing Fees and Subservicing Fees payable therefrom (and the
Master Servicer and the Subservicer shall have no claims for any deficiencies
with respect to such fees which result from the foregoing allocation); and
fifth, to Foreclosure Profits.
(e) In the event of a default on a Mortgage Loan one or more of whose obligors
is not a United States Person, in connection with any foreclosure or acquisition
of a deed in lieu of foreclosure (together, "foreclosure") in respect of such
Mortgage Loan, the Master Servicer will cause compliance with the provisions of
Treasury Regulation Section 1.1445-2(d)(3) (or any successor thereto) necessary
to assure that no withholding tax obligation arises with respect to the proceeds
of such foreclosure except to the extent, if any, that proceeds of such
foreclosure are required to be remitted to the obligors on such Mortgage Loan.
SECTION 3.15. TRUSTEE TO COOPERATE; RELEASE OF MORTGAGE FILES.
(a) Upon becoming aware of the payment in full of any Mortgage Loan, or upon the
receipt by the Master Servicer of a notification that payment in full will be
escrowed in a manner customary for such purposes, the Master Servicer will
immediately notify the Trustee (if it holds the related Mortgage File) or the
Custodian by a certification of a Servicing Officer (which certification shall
include a statement to the effect that all amounts received or to be received in
connection with such payment which are required to be deposited in the Custodial
Account pursuant to Section 3.07 have been or will be so deposited),
substantially in one of the forms attached hereto as Exhibit F, 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. Within two Business Days of
receipt of such certification and request, the Trustee shall 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
and to cause the removal from the registration on the MERS(R) System of such
Mortgage and to execute and deliver, on behalf of the Trustee and the
Certificateholders or any of them, any and all instruments of satisfaction or
cancellation or of partial or full release. 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.
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(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 F 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 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
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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.
(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.
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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 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.
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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, 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 or be
payable on demand 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 or be payable on demand on such Distribution Date and (ii)
any other investment may mature or be payable on demand 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.
As provided in Section 4.02 of the Series Supplement.
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 information as to each Class of Certificates, the
Mortgage Pool and, if the Mortgage Pool is comprised of two or more Loan Groups,
each Loan Group, to the extent applicable. This statement will include the
information set forth in an exhibit to the Series Supplement. In addition, 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.
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(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 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
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Master Servicer shall be entitled to use any Advance made by a Subservicer as
described in Section 3.07(b) that has been deposited in the Custodial Account on
or before such Distribution Date as part of the Advance made by the Master
Servicer pursuant to this Section 4.04. The amount of any reimbursement pursuant
to Section 4.02(a) 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 an Officers' Certificate of the
Master Servicer delivered to the Company and the Trustee.
If 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.
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SECTION 4.05. ALLOCATION OF REALIZED LOSSES.
As provided in Section 4.05 of the Series
Supplement.
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.
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.
If, however, the Master Servicer shall have exercised its right to
repurchase a Mortgage Loan pursuant to this Section 4.07 upon the written
request of and with funds provided by the Junior Certificateholder and thereupon
transferred such Mortgage Loan to the Junior Certificateholder, the Master
Servicer shall so notify the Trustee in writing.
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.
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(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 Senior, Class M, Class B and Class R Certificates shall be substantially
in the forms set forth in Exhibits A, B, C and D, respectively, 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 shall be issuable in the minimum denominations
designated in the Preliminary Statement to the Series Supplement.
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) Except as provided below, registration of Book-Entry 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 Holders of the Book-Entry Certificates shall hold their respective
Ownership Interests in and to each of such Certificates through the book-entry
facilities of the Depository and, except as provided below, shall not be
entitled to Definitive Certificates in respect of such Ownership Interests. All
transfers by Certificate Owners of their respective Ownership Interests in the
Book-Entry Certificates shall be made in accordance with the procedures
established by the Depository Participant or brokerage firm representing such
Certificate Owner. Each Depository Participant shall transfer the Ownership
Interests only in the Book-Entry Certificates of Certificate Owners it
represents or of brokerage firms for which it acts as agent in accordance with
the Depository's normal procedures.
The Trustee, the Master Servicer and the Company may for all purposes
(including the making of payments due on the respective Classes of Book-Entry
Certificates) deal with the Depository as the authorized representative of the
Certificate Owners with respect to the respective Classes of Book-Entry
Certificates for the purposes of exercising the rights of Certificateholders
hereunder. The rights of Certificate Owners with respect to the respective
Classes of Book-Entry Certificates shall be limited to those established by law
and agreements between such Certificate Owners and the Depository Participants
and brokerage firms representing such Certificate Owners. Multiple requests and
directions from, and votes of, the Depository as Holder of any Class of
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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-V Certificates, may exchange such Holder's Class A-V Certificates for
Subclasses of Class A-V Certificates to be issued under this Agreement by
delivering a "Request for Exchange" substantially in the form attached hereto as
Exhibit N executed by an authorized officer, which Subclasses, in the aggregate,
will represent the Uncertificated Class A-V REMIC Regular Interests
corresponding to the Class A-V Certificates so surrendered for exchange. Any
Subclass so issued shall bear a numerical designation commencing with Class
A-V-1 and continuing sequentially thereafter, and will evidence ownership of the
Uncertificated REMIC Regular Interest or Interests specified in writing by such
initial Holder to the Trustee. The Trustee may conclusively, without any
independent verification, rely on, and shall be protected in relying on,
Residential Funding's determinations of the Uncertificated Class A-V REMIC
Regular Interests corresponding to any Subclass, the Initial 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
Class A-V 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-V Certificates may be transferred in whole, but not in part, in accordance
with the provisions of Section 5.02.
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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 transfer or exchange shall (if so required by the
Trustee or the Certificate Registrar) be duly endorsed by, or be accompanied by
a written instrument of transfer in form satisfactory to the Trustee and the
Certificate Registrar duly executed by, the Holder thereof or his attorney duly
authorized in writing.
(d) No transfer, sale, pledge or other disposition of a Class B Certificate
shall be made unless such transfer, sale, pledge or other disposition is exempt
from the registration requirements of the Securities Act of 1933, as amended,
and any applicable state securities laws or is made in accordance with said Act
and laws. In the event that a transfer of a Class B 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 (except that, if such
transfer is made by the Company or the Master Servicer or any Affiliate thereof,
the Company or the Master Servicer shall provide such Opinion of Counsel at
their own expense); provided that such Opinion of Counsel will not be required
in connection with the initial transfer of any such Certificate by the Company
or any Affiliate thereof to the Company or an Affiliate of the Company and (B)
the Trustee shall require the transferee to execute a representation letter,
substantially in the form of Exhibit H-1 hereto, and the Trustee shall require
the transferor to execute a representation letter, substantially in the form of
Exhibit I 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; PROVIDED, HOWEVER, that such
representation letters will not be required in connection with any transfer of
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any such Certificate by the Company or any Affiliate thereof to the Company or
an Affiliate of the Company, and the Trustee shall be entitled to conclusively
rely upon a representation (which, upon the request of the Trustee, shall be a
written representation) from the Company, of the status of such transferee as an
Affiliate of the Company 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 J
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) (i) In the case of any Senior Support, Class M, Class B or Class R
Certificate presented for registration in the name of any Person, either
(A) 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 Senior Support,
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 (B) 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 H-1 (with respect to any Class B
Certificate), Exhibit H-2 (with respect to any Senior Support Certificate
or Class M Certificate) or paragraph fourteen of Exhibit G-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
either (a) is not an employee benefit plan or other plan subject to the
prohibited transaction provisions of ERISA or Section 4975 of the Code, or
any Person (including an investment manager, a named fiduciary or a trustee
of any such plan) who is using "plan assets" of any such plan to effect
such acquisition (each, a "Plan Investor") or (b) in the case of any Senior
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Support, Class M or Class B Certificate, the following conditions are
satisfied: (i) such Transferee is an insurance company, (ii) the source of
funds used to purchase or hold such Certificate (or interest therein) is an
"insurance company general account" (as defined in U.S. Department of Labor
Prohibited Transaction Class Exemption ("PTCE") 95-60, and (iii) the
conditions set forth in Sections I and III of PTCE 95-60 have been
satisfied (each entity that satisfies this clause (b), a "Complying
Insurance Company").
(ii) Notwithstanding the foregoing, an Opinion of Counsel or
certification will not be REQUIRED WITH RESPECT TO THE
TRANSFER OF ANY SENIOR SUPPORT CERTIFICATE OR Class M
Certificate TO A DEPOSITORY, OR FOR ANY SUBSEQUENT TRANSFER OF
ANY INTEREST IN a Senior Support Certificate or Class M
Certificate for so long as such Certificate is a Book-Entry
Certificate (each such Senior Support Certificate or Class M
Certificate, a "Book-Entry Mezzanine Certificate"). Any
Transferee of a Book-Entry Mezzanine Certificate will be
deemed to have represented by virtue of its purchase or
holding of such Certificate (or interest therein) that either
(a) such Transferee is not a Plan Investor or (b) such
Transferee is a Complying Insurance Company.
(iii) (A) If any Senior Support Certificate or Class M
Certificate (or any interest therein) is acquired or held in
violation of the provisions of Section (ii) above, then the
last preceding Transferee that either (i) is not a Plan
Investor or (ii) is a Complying Insurance Company shall be
restored, to the extent permitted by law, to all rights and
obligations as Certificate Owner thereof retroactive to the
date of such Transfer of such Senior Support Certificate or
Class M Certificate. The Trustee shall be under no liability
to any Person for making any payments due on such Certificate
to such preceding Transferee.
(B) Any purported Certificate Owner whose acquisition
or holding of any Book-Entry Mezzanine Certificate (or
interest therein) was effected in violation of the
restrictions in this Section 5.02(e) shall indemnify and hold
harmless the Company, the Trustee, the Master Servicer, any
Subservicer, and the Trust Fund from and against any and all
liabilities, claims, costs or expenses incurred by such
parties as a result of such acquisition or holding.
(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.
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(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 G-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 G-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 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 G-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 G-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.
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(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 Class R
Certificate to a purchaser selected by the Master Servicer on such
terms as the Master Servicer may choose. Such purported Transferee
shall promptly endorse and deliver each Class R Certificate in
accordance with the instructions of the Master Servicer. Such
purchaser may be the Master Servicer itself or any Affiliate of the
Master Servicer. The proceeds of such sale, net of the commissions
(which may include commissions payable to the Master Servicer or its
Affiliates), expenses and taxes due, if any, will be remitted by the
Master Servicer to such purported Transferee. The terms and conditions
of any sale under this clause (iii)(B) shall be determined in the sole
discretion of the Master Servicer, and the Master Servicer shall not
be liable to any Person having an Ownership Interest in a Class R
Certificate as a result of its exercise of such discretion.
(iv) The Master Servicer, on behalf of the Trustee, shall make available, upon
written request from the Trustee, all information necessary to compute any
tax imposed (A) as a result of the Transfer of an Ownership Interest in a
Class R Certificate to any Person who is a Disqualified Organization,
including the information regarding "excess inclusions" of such Class R
Certificates required to be provided to the Internal Revenue Service and
certain Persons as described in Treasury Regulations Sections
1.860D-1(b)(5) and 1.860E-2(a)(5), and (B) as a result of any regulated
investment company, real estate investment trust, common trust fund,
partnership, trust, estate or organization described in Section 1381 of the
Code that holds an Ownership Interest in a Class R Certificate having as
among its record holders at any time any Person who is a Disqualified
Organization. Reasonable compensation for providing such information may be
required by the Master Servicer from such Person.
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(v) The provisions of this Section 5.02(f) set forth prior to this clause
(v) may be modified, added to or eliminated, provided that there shall
have been delivered to the Trustee the following:
(A) written notification from each Rating Agency to the effect that the
modification, addition to or elimination of such provisions will not cause
such Rating Agency to downgrade its then-current ratings, if any, of any
Class of the Senior, Class M or Class B 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), an Officers' 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 any portion of any REMIC formed under the Series Supplement
to cease to qualify as a REMIC and will not cause (x) any portion of any
REMIC formed under the Series Supplement to be subject to an entity-level
tax caused by the Transfer of any Class R Certificate to a Person that is a
Disqualified Organization or (y) a Certificateholder or another Person to
be subject to a REMIC-related tax caused by the Transfer of a Class R
Certificate to a Person that is not a Permitted Transferee.
(g) No service charge shall be made for any transfer or exchange of Certificates
of any Class, but the Trustee may require payment of a sum sufficient to cover
any tax or governmental charge that may be imposed in connection with any
transfer or exchange of Certificates.
(h) All Certificates surrendered for transfer and exchange shall be destroyed by
the Certificate Registrar.
SECTION 5.03. MUTILATED, DESTROYED, LOST OR STOLEN CERTIFICATES.
If (i) any mutilated Certificate is surrendered to the Certificate
Registrar, or the Trustee and the Certificate Registrar receive evidence to
their satisfaction of the destruction, loss or theft of any Certificate, and
(ii) there is delivered to the Trustee and the Certificate Registrar such
security or indemnity as may be required by them to save each of them harmless,
then, in the absence of notice to the Trustee or the Certificate Registrar that
such Certificate has been acquired by a bona fide purchaser, the Trustee shall
execute and the Certificate Registrar shall authenticate and deliver, in
exchange for or in lieu of any such mutilated, destroyed, lost or stolen
Certificate, a new Certificate of like tenor, Class and Percentage Interest but
bearing a number not contemporaneously outstanding. Upon the issuance of any new
Certificate under this Section, the Trustee may require the payment of a sum
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sufficient to cover any tax or other governmental charge that may be imposed in
relation thereto and any other expenses (including the fees and expenses of the
Trustee and the Certificate Registrar) connected therewith. Any duplicate
Certificate issued pursuant to this Section shall constitute complete and
indefeasible evidence of ownership in the Trust Fund, as if originally issued,
whether or not the lost, stolen or destroyed Certificate shall be found at any
time.
SECTION 5.04. PERSONS DEEMED OWNERS.
Prior to due presentation of a Certificate for registration of
transfer, the Company, the Master Servicer, the Trustee, the Certificate
Registrar and any agent of the Company, the Master Servicer, the Trustee or the
Certificate Registrar may treat the Person in whose name any Certificate is
registered as the owner of such Certificate for the purpose of receiving
distributions pursuant to Section 4.02 and for all other purposes whatsoever,
except as and to the extent provided in the definition of "Certificateholder,"
and neither the Company, the Master Servicer, the Trustee, the Certificate
Registrar nor any agent of the Company, the Master Servicer, the Trustee or the
Certificate Registrar shall be affected by notice to the contrary except as
provided in Section 5.02(f).
SECTION 5.05. APPOINTMENT OF PAYING AGENT.
The Trustee may appoint a Paying Agent for the purpose of making
distributions to the Certificateholders pursuant to Section 4.02. In the event
of any such appointment, on or prior to each Distribution Date the Master
Servicer on behalf of the Trustee shall deposit or cause to be deposited with
the Paying Agent a sum sufficient to make the payments to the Certificateholders
in the amounts and in the manner provided for in Section 4.02, such sum to be
held in trust for the benefit of the Certificateholders.
The Trustee shall cause each Paying Agent to execute and deliver to the
Trustee an instrument in which such Paying Agent shall agree with the Trustee
that such Paying Agent will hold all sums held by it for the payment to the
Certificateholders in trust for the benefit of the Certificateholders entitled
thereto until such sums shall be paid to such Certificateholders. Any sums so
held by such Paying Agent shall be held only in Eligible Accounts to the extent
such sums are not distributed to the Certificateholders on the date of receipt
by such Paying Agent.
SECTION 5.06. OPTIONAL PURCHASE OF CERTIFICATES.
(a) On any Distribution Date on which the Pool Stated Principal Balance, prior
to giving effect to distributions to be made on such Distribution Date, 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 such 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
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letter to Certificateholders (with a copy to the Certificate Registrar and each
Rating Agency) mailed not earlier than the 15th day and not later than the 25th
day of the month next preceding the month of such final distribution,
specifying:
(i) the Distribution Date upon which purchase of the Certificates is
anticipated to be made upon presentation and surrender of such
Certificates at the office or agency of the Trustee therein designated,
(ii) the purchase price therefor, if known, and
(iii) that the Record Date otherwise applicable to such Distribution Date is
not applicable, payments being made only upon presentation and
surrender of the Certificates at the office or agency of the Trustee
therein specified.
If either the Master Servicer or the Company gives the notice specified above,
the Master Servicer or the Company, as applicable, shall deposit in the
Certificate Account before the Distribution Date on which the purchase pursuant
to Section 5.06(a) is to be made, in immediately available funds, an amount
equal to the purchase price for the Certificates computed as provided above.
(c) Upon presentation and surrender of the Certificates to be purchased pursuant
to Section 5.06(a) by the Holders thereof, the Trustee shall distribute to such
Holders an amount equal to the outstanding Certificate Principal Balance thereof
plus the sum of Accrued Certificate Interest thereon for the related Interest
Accrual Period and any previously unpaid Accrued Certificate Interest with
respect thereto.
(d) If 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
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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 Senior, Class
M or Class B 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 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
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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 Shortfall.
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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 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
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(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 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.
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SECTION 7.02. TRUSTEE OR COMPANY TO ACT; APPOINTMENT OF SUCCESSOR.
(a) 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.
(b) In connection with the termination or resignation of the Master
Servicer hereunder, either (i) the successor Master Servicer, including the
Trustee if the Trustee is acting as successor Master Servicer, shall represent
and warrant that it is a member of MERS in good standing and shall agree to
comply in all material respects with the rules and procedures of MERS in
connection with the servicing of the Mortgage Loans that are registered with
MERS, in which case the predecessor Master Servicer shall cooperate with the
successor Master Servicer in causing MERS to revise its records to reflect the
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transfer of servicing to the successor Master Servicer as necessary under MERS'
rules and regulations, or (ii) the predecessor Master Servicer shall cooperate
with the successor Master Servicer in causing MERS to execute and deliver an
assignment of Mortgage in recordable form to transfer the Mortgage from MERS to
the Trustee and to execute and deliver such other notices, documents and other
instruments as may be necessary or desirable to effect a transfer of such
Mortgage Loan or servicing of such Mortgage Loan on the MERS(R)System to the
successor Master Servicer. The predecessor Master Servicer shall file or cause
to be filed any such assignment in the appropriate recording office. The
predecessor Master Servicer shall bear any and all fees of MERS, costs of
preparing any assignments of Mortgage, and fees and costs of filing any
assignments of Mortgage that may be required under this subsection (b). The
successor Master Servicer shall cause such assignment to be delivered to the
Trustee or the Custodian promptly upon receipt of the original with evidence of
recording thereon or a copy certified by the public recording office in which
such assignment was recorded.
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) or (ii). 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 or waiver 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 any portion of any REMIC formed under the Series Supplement 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 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;
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(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.
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;
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(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 or waived), 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 or waiver of all Events of Default which may have occurred, the
Trustee shall not be bound to make any investigation into the facts or
matters stated in any resolution, certificate, statement, instrument,
opinion, report, notice, request, consent, order, approval, bond or other
paper or document, unless requested in writing so to do by Holders of
Certificates of any Class evidencing, as to such Class, Percentage
Interests, aggregating NOT LESS THAN 50%; PROVIDED, HOWEVER, that if the
payment within a reasonable time to the Trustee of the -------- -------
costs, expenses or liabilities likely to be incurred by it in the making of
such investigation is, in the opinion of the Trustee, not reasonably
assured to the Trustee by the security afforded to it by the terms of this
Agreement, the Trustee may require reasonable indemnity against such
expense or liability as a condition to so proceeding. The reasonable
expense of every such examination shall be paid by the Master Servicer, if
an Event of Default shall have occurred and is continuing, and otherwise by
the Certificateholder requesting the investigation;
(vi) The Trustee may execute any of the trusts or powers hereunder or
perform any duties hereunder either directly or by or through agents or
attorneys; and
(vii)To the extent authorized under the Code and the regulations promulgated
thereunder, each Holder of a Class R Certificate hereby irrevocably
appoints and authorizes the Trustee to be its attorney-in-fact for purposes
of signing any Tax Returns required to be filed on behalf of the Trust
Fund. The Trustee shall sign on behalf of the Trust Fund and deliver to the
Master Servicer in a timely manner any Tax Returns prepared by or on behalf
of the Master Servicer that the Trustee is required to sign as determined
by the Master Servicer pursuant to applicable federal, state or local tax
laws, provided that the Master Servicer shall indemnify the Trustee for
signing any such Tax Returns that contain errors or omissions.
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(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 any portion of any REMIC formed under
the Series Supplement 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, or of MERS
or the MERS(R) System. Except as otherwise provided herein, the Trustee shall
not be accountable for the use or application by the Company or the Master
Servicer of any of the Certificates or of the proceeds of such Certificates, or
for the use or application of any funds paid to the Company or the Master
Servicer in respect of the Mortgage Loans or deposited in or withdrawn from the
Custodial Account or the Certificate Account by the Company or the Master
Servicer.
SECTION 8.04. TRUSTEE MAY OWN CERTIFICATES.
The Trustee in its individual or any other capacity may become the
owner or pledgee of Certificates with the same rights it would have if it were
not Trustee.
SECTION 8.05. MASTER SERVICER TO PAY TRUSTEE'S FEES
AND EXPENSES; INDEMNIFICATION.
(a) The Master Servicer covenants and agrees to pay to the Trustee and any
co-trustee from time to time, and the Trustee and any co-trustee shall be
entitled to, reasonable compensation (which shall not be limited by any
provision of law in regard to the compensation of a trustee of an express trust)
for all services rendered by each of them in the execution of the trusts hereby
created and in the exercise and performance of any of the powers and duties
hereunder of the Trustee and any co-trustee, and the Master Servicer will pay or
reimburse the Trustee and any co-trustee upon request for all reasonable
expenses, disbursements and advances incurred or made by the Trustee or any
co-trustee in accordance with any of the provisions of this Agreement (including
the reasonable compensation and the expenses and disbursements of its counsel
and of all persons not regularly in its employ, and the expenses incurred by the
Trustee or any co-trustee in connection with the appointment of an office or
agency pursuant to Section 8.12) except any such expense, disbursement or
advance as may arise from its negligence or bad faith.
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(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 the Trustee's part, arising out of, or in
connection with, the acceptance and administration of the Trust Fund, including
the costs and expenses (including reasonable legal fees and expenses) of
defending itself against any claim in connection with the exercise or
performance of any of its powers or duties under this Agreement and the
Custodial Agreement, provided that:
(i) with respect to any such claim, the Trustee shall have given the Master
Servicer written notice thereof promptly after the Trustee shall have
actual knowledge thereof;
(ii) while maintaining control over its own defense, the Trustee shall
cooperate and consult fully with the Master Servicer in preparing such
defense; and
(iii) notwithstanding anything in this Agreement to the contrary, the Master
Servicer shall not be liable for settlement of any claim by the Trustee
entered into without the prior consent of the Master Servicer which
consent shall not be unreasonably withheld.
No termination of this Agreement shall affect the obligations created by this
Section 8.05(b) of the Master Servicer to indemnify the Trustee under the
conditions and to the extent set forth herein.
Notwithstanding the foregoing, the indemnification provided by the
Master Servicer in this Section 8.05(b) shall not pertain to any loss, liability
or expense of the Trustee, including the costs and expenses of defending itself
against any claim, incurred in connection with any actions taken by the Trustee
at the direction of the Certificateholders pursuant to the terms of this
Agreement.
SECTION 8.06. ELIGIBILITY REQUIREMENTS FOR TRUSTEE.
The Trustee hereunder shall at all times be a corporation or a national
banking association having its principal office in a state and city acceptable
to the Company and organized and doing business under the laws of such state or
the United States of America, authorized under such laws to exercise corporate
trust powers, having a combined capital and surplus of at least $50,000,000 and
subject to supervision or examination by federal or state authority. If such
corporation or national banking association publishes reports of condition at
least annually, pursuant to law or to the requirements of the aforesaid
supervising or examining authority, then for the purposes of this Section the
combined capital and surplus of such corporation shall be deemed to be its
combined capital and surplus as set forth in its most recent report of condition
so published. In case at any time the Trustee shall cease to be eligible in
accordance with the provisions of this Section, the Trustee shall 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
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successor trustee shall have been so appointed and have accepted appointment
within 30 days after the giving of such notice of resignation, the resigning
Trustee may petition any court of competent jurisdiction for the appointment of
a successor trustee.
(b) If at any time the Trustee shall cease to be eligible in accordance with the
provisions of Section 8.06 and shall fail to resign after written request
therefor by the Company, or if at any time the Trustee shall become incapable of
acting, or shall be adjudged bankrupt or insolvent, or a receiver of the Trustee
or of its property shall be appointed, or any public officer shall take charge
or control of the Trustee or of its property or affairs for the purpose of
rehabilitation, conservation or liquidation, then the Company may remove the
Trustee and appoint a successor trustee by written instrument, in duplicate, one
copy of which instrument shall be delivered to the Trustee so removed and one
copy to the successor trustee. In addition, in the event that the Company
determines that the Trustee has failed (i) to distribute or cause to be
distributed to the Certificateholders any amount required to be distributed
hereunder, if such amount is held by the Trustee or its Paying Agent (other than
the Master Servicer or the Company) for distribution or (ii) to otherwise
observe or perform in any material respect any of its covenants, agreements or
obligations hereunder, and such failure shall continue unremedied for a period
of 5 days (in respect of clause (i) above) or 30 days (in respect of clause (ii)
above) after the date on which written notice of such failure, requiring that
the same be remedied, shall have been given to the Trustee by the Company, then
the Company may remove the Trustee and appoint a successor trustee by written
instrument delivered as provided in the preceding sentence. In connection with
the appointment of a successor trustee pursuant to the preceding sentence, the
Company shall, on or before the date on which any such appointment becomes
effective, obtain from each Rating Agency written confirmation that the
appointment of any such successor trustee will not result in the reduction of
the ratings on any class of the Certificates below the lesser of the then
current or original ratings on such Certificates.
(c) The Holders of Certificates entitled to at least 51% of the Voting Rights
may at any time remove the Trustee and appoint 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
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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.
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.
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(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.
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
at the address designated in Section 11.05 of the Series Supplement where
Certificates may be surrendered for registration of transfer or exchange. The
Trustee will maintain an office at the address stated in Section 11.05 of the
Series Supplement 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 any portion of any REMIC formed under the Series
Supplement 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, prior to giving
effect to distributions to be made on such 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 applicable, the Mortgage Files pertaining to the Mortgage
Loans being purchased.
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(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 Senior Certificates and Class M
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 Senior, Class M or Class B Certificates, upon
presentation and surrender of the Certificates by the Certificateholders
thereof, the Trustee shall distribute to the Certificateholders (i) the amount
otherwise distributable on such Distribution Date, if not in connection with the
Master Servicer's or the Company's election to repurchase, or (ii) if the Master
Servicer or the Company elected to so repurchase, an amount determined as
follows: (A) with respect to each Certificate the outstanding Certificate
Principal Balance thereof, plus Accrued Certificate Interest for the related
Interest Accrual Period thereon and any previously unpaid Accrued Certificate
Interest, subject to the priority set forth in Section 4.02(a), and (B) with
respect to the Class R Certificates, any excess of the amounts available for
distribution (including the repurchase price specified in clause (ii) of
subsection (a) of this Section) over the total amount distributed under the
immediately preceding clause (A).
(d) If 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
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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) Each REMIC that comprises 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 each such REMIC 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 any such
REMIC 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
each such REMIC 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 a REMIC under
Section 860F of the Code and regulations thereunder;
(ii) The Master Servicer shall notify the Trustee at the commencement of
such 90-day liquidation period and, at or prior to the time of making
of the final payment on the Certificates, the Trustee shall sell or
otherwise dispose of all of the remaining assets of the Trust Fund in
accordance with the terms hereof; and
(iii) If the Master Servicer or the Company is exercising its right to
purchase the assets of the Trust Fund, the Master Servicer shall,
during the 90-day liquidation period and at or prior to the Final
Distribution Date, purchase all of the assets of the Trust Fund for
cash.
(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
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liquidation for each REMIC at the expense of the Trust Fund in accordance with
the terms and conditions of this Agreement.
SECTION 9.03. TERMINATION OF MULTIPLE REMICS.
If the REMIC Administrator makes two or more separate REMIC elections,
the applicable REMIC shall be terminated on the earlier of the Final
Distribution Date and the date on which it is deemed to receive the last deemed
distributions on the related Uncertificated REMIC Regular Interests and the last
distribution due on the Certificates is made.
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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
one or more REMICs under the Code and, if necessary, under applicable state law.
The assets of each such REMIC will be set forth in the Series Supplement. 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 each REMIC election in respect of
the Trust Fund, Certificates and interests to be designated as the "regular
interests" and the sole class of "residual interests" in the REMIC will be set
forth in Section 10.03 of the Series Supplement. The REMIC Administrator and the
Trustee shall not permit the creation of any "interests" (within the meaning of
Section 860G of the Code) in any REMIC elected in respect of the Trust Fund
other than the "regular interests" and "residual interests" so designated.
(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 each Class of the Class R Certificates and shall be
designated as "the tax matters person" with respect to each REMIC in the manner
provided under Treasury regulations section 1.860F-4(d) and Treasury regulations
section 301.6231(a)(7)-1. The REMIC Administrator, as tax matters person, shall
(i) act on behalf of each 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 each REMIC created
hereunder and deliver such Tax Returns in a timely manner to the Trustee and the
Trustee shall sign and file such Tax Returns in a timely manner. The expenses of
preparing such returns shall be borne by the REMIC Administrator without any
right of reimbursement therefor. The REMIC Administrator agrees to indemnify and
hold harmless the Trustee with respect to any tax or liability arising from the
Trustee's signing of Tax Returns that contain errors or omissions. The Trustee
and Master Servicer shall promptly provide the REMIC Administrator with such
information as the REMIC Administrator may from time to time request for the
purpose of enabling the REMIC Administrator to prepare Tax Returns.
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(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 REMIC.
(f) The Master Servicer and the REMIC Administrator shall take such actions and
shall cause each 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 of each REMIC 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 any
portion of any REMIC formed under the Series Supplement as a REMIC or (ii)
result in the imposition of a tax upon any such 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 each REMIC created hereunder, endanger such status or,
unless the Master Servicer, the REMIC Administrator or both, as applicable,
determine in its or their sole discretion to indemnify the Trust Fund against
the imposition of such a tax, result in the imposition of such a tax. Wherever
in this Agreement a contemplated action may not be taken because the timing of
such action might result in the imposition of a tax on the Trust Fund, or may
only be taken pursuant to an Opinion of Counsel that such action would not
impose a tax on the Trust Fund, such action may nonetheless be taken provided
that the indemnity given in the preceding sentence with respect to any taxes
that might be imposed on the Trust Fund has been given and that all other
preconditions to the taking of such action have been satisfied. The Trustee
shall not take or fail to take any action (whether or not authorized hereunder)
as to which the Master Servicer or the REMIC Administrator, as applicable, has
advised it in writing that it has received an Opinion of Counsel to the effect
that an Adverse REMIC Event could occur with respect to such action. In
addition, prior to taking any action with respect to any REMIC created hereunder
or any related assets thereof, or causing any such REMIC to take any action,
which is not expressly permitted under the terms of this Agreement, the Trustee
will consult with the Master Servicer or the REMIC Administrator, as applicable,
or its designee, in writing, with respect to whether such action could cause an
Adverse REMIC Event to occur with respect to any such REMIC, and the Trustee
shall not take any such action or cause any such REMIC to take any such action
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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 each REMIC created hereunder
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 any
REMIC created hereunder as defined in Section 860F(a)(2) of the Code, on "net
income from foreclosure property" of any such REMIC as defined in Section
860G(c) of the Code, on any contributions to any such 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 each REMIC created hereunder 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 any REMIC created hereunder 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 such 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 any REMIC created hereunder will
receive a fee or other compensation for services nor permit any such REMIC to
receive any income from assets other than "qualified mortgages" as defined in
Section 860G(a)(3) of the Code or "permitted investments" as defined in Section
860G(a)(5) of the Code.
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(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 Interest Only
Certificates) representing a regular interest in the applicable REMIC and the
Uncertificated Principal Balance of each Uncertificated REMIC Regular Interest
(other than each Uncertificated Class A-V REMIC Regular Interest, if any) and
the rights to the Interest Only Certificates and Uncertificated Class A-V REMIC
Regular Interest would be reduced to zero is the Maturity Date for each such
Certificate and Interest.
(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 each REMIC created hereunder.
(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 any REMIC created hereunder, (iii)
the termination of any such 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 any such REMIC, nor sell or dispose of any
investments in the Custodial Account or the Certificate Account for gain nor
accept any contributions to any such 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 such 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 such 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 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.
SECTION 10.03. DESIGNATION OF REMIC(S).
As provided in Section 10.03 of the Series Supplement.
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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 a REMIC, 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 expense of the party seeking so to modify, eliminate or
add such provisions), cause any REMIC created hereunder 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,
(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
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Counsel, adversely affect in any material respect the interests of any
Certificateholder or
(vii) to amend any provision herein or therein that is not
material to any of the Certificateholders.
(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 any REMIC created under the Series Supplement 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 the Custodian and
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, 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
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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 Senior 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) any REMIC created
hereunder 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 K (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 L, with such changes as the Company shall deem to be
appropriate; it being understood that the Trustee has reviewed and approved the
content of such forms and that the Trustee's consent or approval to the use
thereof is not required.
SECTION 11.02. RECORDATION OF AGREEMENT; COUNTERPARTS.
(a) To the extent permitted by applicable law, this Agreement is subject to
recordation in all appropriate public offices for real property records in all
the counties or other comparable jurisdictions in which any or all of the
properties subject to the Mortgages are situated, and in any other appropriate
public recording office or elsewhere, such recordation to be effected by the
Master Servicer and at its expense on direction by the Trustee (pursuant to the
request of Holders of Certificates entitled to at least 25% of the Voting
Rights), but only upon direction accompanied by an Opinion of Counsel to the
effect that such recordation materially and beneficially affects the interests
of the Certificateholders.
(b) For the purpose of facilitating the recordation of this Agreement as herein
provided and for other purposes, this Agreement may be executed simultaneously
in any number of counterparts, each of which counterparts shall be deemed to be
an original, and such counterparts shall constitute but one and the same
instrument.
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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.
As provided in Section 11.05 of the Series Supplement.
SECTION 11.06. REQUIRED NOTICES TO RATING AGENCY AND SUBSERVICER.
The Company, the Master Servicer or the Trustee, as applicable, shall
notify each Rating Agency and the Subservicer at such time as it is otherwise
required pursuant to this Agreement to give notice of the occurrence of, any of
the events described in clause (a), (b), (c), (d), (g), (h), (i) or (j) below or
provide a copy to each Rating Agency at such time as otherwise required to be
delivered pursuant to this Agreement of any of the statements described in
clauses (e) and (f) below:
(a) a material change or amendment to this Agreement,
(b) the occurrence of an Event of Default,
(c) the termination or appointment of a successor Master Servicer or
Trustee or a change in the majority ownership of the Trustee,
(d) the filing of any claim under the Master Servicer's blanket fidelity
bond and the errors and omissions insurance policy required by Section
3.12 or the cancellation or modification of coverage under any such
instrument,
(e) the statement required to be delivered to the Holders of each Class of
Certificates pursuant to Section 4.03,
(f) the statements required to be delivered pursuant to Sections 3.18 and 3.19,
(g) a change in the location of the Custodial Account or the Certificate
Account,
(h) the occurrence of any monthly cash flow shortfall to the Holders of any
Class of Certificates resulting from 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
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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 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).
112
<PAGE>
EXHIBIT A
FORM OF CLASS A CERTIFICATE, [PRINCIPAL ONLY/CLASS A-P] CERTIFICATE AND
[INTEREST ONLY/CLASS A-V] 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.
UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF
THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO ISSUER OR ITS
AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE
ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS
REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO
CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
[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 ___________ __, ____.
ASSUMING THAT THE MORTGAGE LOANS PREPAY AT [___]% OF THE PREPAYMENT SPEED
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 PREPAYMENT SPEED
ASSUMPTION OR AT ANY OTHER RATE OR AS TO THE CONSTANCY OF THE PASS-THROUGH
RATE.]
113
<PAGE>
<TABLE>
<S> <C>
CERTIFICATE NO. [ %][Variable] Pass-Through Rate [based on a
Notional Amount]
CLASS A- Senior
DATE OF POOLING AND SERVICING [PERCENTAGE INTEREST: %]
Agreement and Cut-off Date:
___________ 1, ____ Aggregate Initial [Certificate Principal Balance]
[[Interest Only/Class A-V] Notional Amount] [Subclass
FIRST DISTRIBUTION DATE: NOTIONAL AMOUNT] OF THE CLASS A- Certificates:
_________ 25, ____
[Initial] [Certificate Principal
Master Servicer: Balance] [Interest Only/Class A-V] [Subclass]
Residential Funding Notional Amount] of this Certificate:
CORPORATION $ ]
Assumed Final CUSIP 76110F-
Distribution Date:
___________ 25, ____
</TABLE>
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE
SERIES ____-___
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 [Interest Only/Class A-V]
Notional Amount] of this Certificate by the AGGREGATE [INITIAL CERTIFICATE
PRINCIPAL BALANCE OF ALL CLASS A- Certificates] [Initial [Interest Only/Class
A-V] Notional Amounts of all [Interest Only/Class A-V] Certificates], both as
specified above)] in certain distributions with respect to the Trust Fund
consisting primarily of an interest in a pool of conventional one- to
four-family fixed interest rate first mortgage loans (the "Mortgage Loans"),
formed and sold by Residential Accredit Loans, Inc. (hereinafter called the
"Company," which term includes any successor entity under the Agreement referred
to below). The Trust Fund was created pursuant to a Pooling and Servicing
Agreement dated as specified above (the "Agreement") among the Company, the
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Master Servicer and __________________, 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 [Interest Only/Class A-V] Notional
Amount of the [Interest Only/Class A-V] 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 [INTEREST ONLY/CLASS A-V] CERTIFICATES.] [THE SUBCLASS NOTIONAL AMOUNT OF
THE [INTEREST ONLY/CLASS A-V]- 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
[Interest Only/Class A-V]- CERTIFICATES IMMEDIATELY PRIOR TO SUCH DATE.] [THE
[INTEREST ONLY/CLASS A-V][- ] 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 [Interest Only/Class
A-V] 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
115
<PAGE>
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.
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.
116
<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.
117
<PAGE>
IN WITNESS WHEREOF, the Trustee has caused this Certificate to
be duly executed.
Dated: [_________________________],
as Trustee
BY:
Authorized Signatory
CERTIFICATE OF AUTHENTICATION
THIS IS ONE OF THE CLASS A- Certificates referred to in the
within-mentioned Agreement.
[---------------------------],
as Certificate Registrar
BY:
Authorized Signatory
118
<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 SENIOR
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").
UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF
THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO ISSUER OR ITS
AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE
ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS
REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO
CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.
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 ___________ __, ____.
ASSUMING THAT THE MORTGAGE LOANS PREPAY AT [___]% OF THE PREPAYMENT SPEED
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 PREPAYMENT SPEED ASSUMPTION OR AT ANY OTHER RATE.
NO TRANSFER OF THIS CLASS M CERTIFICATE WILL BE MADE UNLESS THE TRUSTEE
HAS RECEIVED EITHER (A) 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 CODE
AND STATING, AMONG OTHER THINGS, THAT THE TRANSFEREE'S ACQUISITION OF THIS
CERTIFICATE WILL NOT CONSTITUTE OR RESULT IN A NON-EXEMPT PROHIBITED TRANSACTION
UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE OR (B) A REPRESENTATION
LETTER, IN THE FORM DESCRIBED IN 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 (A "PLAN INVESTOR"), OR STATING THAT
<PAGE>
(I) THE TRANSFEREE IS AN INSURANCE COMPANY, (II) 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 (III) THE CONDITIONS SET FORTH IN SECTIONS I AND
III OF PTCE 95-60 HAVE BEEN SATISFIED (EACH ENTITY THAT SATISFIES THIS CLAUSE
(B), A "COMPLYING INSURANCE COMPANY").
NOTWITHSTANDING THE ABOVE, WITH RESPECT TO THE TRANSFER OF THIS
CERTIFICATE TO A DEPOSITORY OR ANY SUBSEQUENT TRANSFER OF ANY INTEREST IN THIS
CERTIFICATE FOR SO LONG AS THIS CERTIFICATE IS HELD BY A DEPOSITORY, (I) NEITHER
AN OPINION OF COUNSEL NOR A CERTIFICATION, EACH AS DESCRIBED IN THE FOREGOING
PARAGRAPH, SHALL BE REQUIRED, AND (II) THE FOLLOWING CONDITIONS SHALL APPLY:
1. ANY TRANSFEREE OF THIS CERTIFICATE WILL BE DEEMED TO HAVE
REPRESENTED BY VIRTUE OF ITS PURCHASE OR HOLDING OF THIS CERTIFICATE
(OR INTEREST HEREIN) THAT EITHER (A) SUCH TRANSFEREE IS NOT A PLAN
INVESTOR OR (B) SUCH TRANSFEREE IS A COMPLYING INSURANCE COMPANY; AND
2. IF THIS CERTIFICATE (OR ANY INTEREST HEREIN) IS ACQUIRED OR
HELD IN VIOLATION OF THE PROVISIONS OF THE PRECEDING PARAGRAPH, THEN
THE LAST PRECEDING TRANSFEREE THAT EITHER (I) IS NOT A PLAN INVESTOR OR
(II) IS A COMPLYING INSURANCE COMPANY SHALL BE RESTORED, TO THE EXTENT
PERMITTED BY LAW, TO ALL RIGHTS AND OBLIGATIONS AS CERTIFICATE OWNER
THEREOF RETROACTIVE TO THE DATE OF SUCH TRANSFER OF THIS CERTIFICATE.
THE TRUSTEE SHALL BE UNDER NO LIABILITY TO ANY PERSON FOR MAKING ANY
PAYMENTS DUE ON THIS CERTIFICATE TO SUCH PRECEDING TRANSFEREE.
ANY PURPORTED CERTIFICATE OWNER WHOSE ACQUISITION OR HOLDING OF THIS
CERTIFICATE (OR INTEREST HEREIN) WAS EFFECTED IN VIOLATION OF THE RESTRICTIONS
IN SECTION 5.02(E) OF THE POOLING AND SERVICING AGREEMENT SHALL INDEMNIFY AND
HOLD HARMLESS THE COMPANY, THE TRUSTEE, THE MASTER SERVICER, ANY SUBSERVICER,
AND THE TRUST FUND FROM AND AGAINST ANY AND ALL LIABILITIES, CLAIMS, COSTS OR
EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH ACQUISITION OR HOLDING.
<PAGE>
<TABLE>
<S> <C>
CERTIFICATE NO. [ ]% Pass-Through Rate
CLASS M- Subordinate Aggregate Certificate
Principal Balance
Date of Pooling and Servicing of the Class M Certificates:
Agreement and Cut-off Date: $
___________ 1, ____
Initial Certificate Principal
First Distribution Date: Balance of this Certificate:
_________ 25, ____ $
Master Servicer: CUSIP: 76110F-
Residential Funding Corporation
Assumed Final Distribution Date:
___________ 25, ____
</TABLE>
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE,
SERIES ____-___
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
<PAGE>
the Company, the Master Servicer and __________________, as trustee (the
"Trustee"), a summary of certain of the pertinent provisions of which is set
forth hereafter. To the extent not defined herein, the capitalized terms used
herein have the meanings assigned in the Agreement. This Certificate is issued
under and is subject to the terms, provisions and conditions of the Agreement,
to which Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Pursuant to the terms of the Agreement, a distribution will be
made on the 25th day of each month or, if such 25th day is not a Business Day,
the Business Day immediately following (the "Distribution Date"), commencing as
described in the Agreement, to the Person in whose name this Certificate is
registered at the close of business on the last day (or if such last day is not
a Business Day, the Business Day immediately preceding such last day) of the
month immediately preceding the month of such distribution (the "Record Date"),
from the Available Distribution Amount in an amount equal to the product of the
Percentage Interest evidenced by this Certificate and the amount (of interest
and principal, if any) required to be distributed to Holders of CLASS M-
Certificates on such Distribution Date.
Distributions on this Certificate will be made either by the
Master Servicer acting on behalf of the Trustee or by a Paying Agent appointed
by the Trustee in immediately available funds (by wire transfer or otherwise)
for the account of the Person entitled thereto if such Person shall have so
notified the Master Servicer or such Paying Agent, or by check mailed to the
address of the Person entitled thereto, as such name and address shall appear on
the Certificate Register.
Notwithstanding the above, the final distribution on this
Certificate will be made after due notice of the pendency of such distribution
and only upon presentation and surrender of this Certificate at the office or
agency appointed by the Trustee for that purpose in the City and State of New
York. The Initial Certificate Principal Balance of this Certificate is set forth
above. The Certificate Principal Balance hereof will be reduced to the extent of
the distributions allocable to principal and any Realized Losses allocable
hereto.
As described above, no transfer of this Class M Certificate
will be made unless (i) the Trustee has received either an opinion of counsel or
a representation letter, each as described in the Agreement, relating to the
permissibility of such transfer under ERISA and Section 4975 of the Code, or
(ii) this Certificate is held by a Depository, in which case the Transferee will
be deemed to have made representations relating to the permissibility of such
transfer under ERISA and Section 4975 of the Code, as described in Section
5.02(e) of the Agreement. In addition, any purported Certificate Owner whose
acquisition or holding of this Certificate (or interest herein) was effected in
violation of the restrictions in Section 5.02(e) of the Agreement shall
indemnify and hold harmless the Company, the Trustee, the Master Servicer, any
Subservicer, and the Trust Fund from and against any and all liabilities,
claims, costs or expenses incurred by such parties as a result of such
acquisition or holding.
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").
<PAGE>
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.
<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.
<PAGE>
IN WITNESS WHEREOF, the Trustee has caused this Certificate to
be duly executed.
Dated: [____________________________],
as Trustee
BY:
Authorized Signatory
CERTIFICATE OF AUTHENTICATION
THIS IS ONE OF THE CLASS M- Certificates referred to in the
within-mentioned Agreement.
[-------------------------],
as Certificate Registrar
BY:
Authorized Signatory
<PAGE>
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and
transfer(s) unto ______________________ (Please print or typewrite name and
address including postal zip code of assignee) a Percentage Interest evidenced
by the within Mortgage Asset-Backed Pass-Through Certificate and hereby
authorizes the transfer of registration of such interest to assignee on the
Certificate Register of the Trust Fund.
I (We) further direct the Certificate Registrar to issue a new
Certificate of a like denomination and Class, to the above named assignee and
deliver such Certificate to the following address:
DATED:
Signature by or on behalf of assignor
Signature Guaranteed
DISTRIBUTION INSTRUCTIONS
The assignee should include the following for purposes of
distribution:
Distributions shall be made, by wire transfer or otherwise, in immediately
available funds to _______________________ for the account of
____________________________ account number _______________, or, if mailed by
check, to __________________________. Applicable statements should be mailed to
________________________________.
This information is provided by _____________________ , the assignee named
above, or _______________, as its agent.
<PAGE>
EXHIBIT C
FORM OF CLASS B CERTIFICATE
THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE SENIOR CERTIFICATES
AND CLASS M CERTIFICATES [AND CLASS B-1] [CLASS B-2 CERTIFICATES] 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 ___________ __, ____. ASSUMING THAT THE MORTGAGE
LOANS PREPAY AT 100% OF THE PREPAYMENT SPEED 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 PREPAYMENT SPEED
ASSUMPTION OR AT ANY OTHER RATE.
CERTIFICATE NO. [ ]% Pass-Through Rate
CLASS B- Subordinate Aggregate Certificate
Principal Balance
Date of Pooling and Servicing of the Class B-
Agreement and Cut-off Date: Certificates as of
___________ 1, ____ the Cut-off Date:
$
First Distribution Date:
_________ 25, ____ Initial Certificate Principal
Balance of this Certificate:
Master Servicer: $
Residential Funding Corporation
Assumed Final Distribution Date:
___________ 25, ____
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE,
SERIES ____-___
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 Company, the Master Servicer and __________________,
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.
<PAGE>
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 B
Certificate will not constitute or result in a non-exempt prohibited transaction
<PAGE>
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
<PAGE>
Holder's attorney duly authorized in writing, and thereupon one or more new
Certificates of authorized denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated transferee or transferees.
The Certificates are issuable only as registered Certificates
without coupons in Classes and in denominations specified in the Agreement. As
provided in the Agreement and subject to certain limitations therein set forth,
Certificates are exchangeable for new Certificates of authorized denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.
No service charge will be made for any such registration of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.
The Company, the Master Servicer, the Trustee and the
Certificate Registrar and any agent of the Company, the Master Servicer, the
Trustee or the Certificate Registrar may treat the Person in whose name this
Certificate is registered as the owner hereof for all purposes, and neither the
Company, the Master Servicer, the Trustee nor any such agent shall be affected
by notice to the contrary.
This Certificate shall be governed by and construed in
accordance with the laws of the State of New York.
The obligations created by the Agreement in respect of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to Certificateholders of all amounts held by or on behalf of the Trustee and
required to be paid to them pursuant to the Agreement following the earlier of
(i) the maturity or other liquidation of the last Mortgage Loan subject thereto
or the disposition of all property acquired upon foreclosure or deed in lieu of
foreclosure of any Mortgage Loan and (ii) the purchase by the Master Servicer or
the Company from the Trust Fund of all remaining Mortgage Loans and all property
acquired in respect of such Mortgage Loans, thereby effecting early retirement
of the Certificates. The Agreement permits, but does not require, the Master
Servicer or the Company to (i) purchase at a price determined as provided in the
Agreement all remaining Mortgage Loans and all property acquired in respect of
any Mortgage Loan or (ii) purchase in whole, but not in part, all of the
Certificates 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.
<PAGE>
IN WITNESS WHEREOF, the Trustee has caused this Certificate to
be duly executed.
Dated: [_____________________________],
as Trustee
BY:
Authorized Signatory
CERTIFICATE OF AUTHENTICATION
THIS IS ONE OF THE CLASS M- Certificates referred to in the
within-mentioned Agreement.
[---------------------------],
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 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), (B) A FOREIGN GOVERNMENT, ANY INTERNATIONAL ORGANIZATION, OR
ANY AGENCY OR INSTRUMENTALITY OF EITHER OF THE FOREGOING, (C) 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 UNLESS SUCH
ORGANIZATION IS SUBJECT TO THE TAX IMPOSED BY SECTION 511 OF THE CODE (INCLUDING
THE TAX IMPOSED BY SECTION 511 OF THE CODE ON UNRELATED BUSINESS TAXABLE
INCOME), (D) RURAL ELECTRIC AND TELEPHONE COOPERATIVES DESCRIBED IN SECTION
1381(a)(2)(C) OF THE CODE, (E) AN ELECTING LARGE PARTNERSHIP UNDER SECTION
<PAGE>
775(a) OF THE CODE (ANY SUCH PERSON DESCRIBED IN THE FOREGOING CLAUSES (A), (B),
(C), (D) OR (E) BEING HEREIN REFERRED TO AS A "DISQUALIFIED ORGANIZATION"), OR
(F) AN AGENT OF A DISQUALIFIED ORGANIZATION, (2) NO PURPOSE OF SUCH TRANSFER IS
TO IMPEDE THE ASSESSMENT OR COLLECTION OF TAX AND (3) SUCH TRANSFEREE SATISFIES
CERTAIN ADDITIONAL CONDITIONS RELATING TO THE FINANCIAL CONDITION OF THE
PROPOSED TRANSFEREE. NOTWITHSTANDING THE REGISTRATION IN THE CERTIFICATE
REGISTER OR ANY TRANSFER, SALE OR OTHER DISPOSITION OF THIS CERTIFICATE TO A
DISQUALIFIED ORGANIZATION OR AN AGENT OF A DISQUALIFIED ORGANIZATION, SUCH
REGISTRATION SHALL BE DEEMED TO BE OF NO LEGAL FORCE OR EFFECT WHATSOEVER AND
SUCH PERSON SHALL NOT BE DEEMED TO BE A CERTIFICATEHOLDER FOR ANY PURPOSE
HEREUNDER, INCLUDING, BUT NOT LIMITED TO, THE RECEIPT OF DISTRIBUTIONS ON THIS
CERTIFICATE. EACH HOLDER OF THIS CERTIFICATE BY ACCEPTANCE OF THIS CERTIFICATE
SHALL BE DEEMED TO HAVE CONSENTED TO THE PROVISIONS OF THIS PARAGRAPH.
CERTIFICATE NO. [ ]% Pass-Through Rate
Class R Senior Aggregate Initial Certificate
Principal Balance of the
Date of Pooling and Servicing Class R Certificates:
Agreement and Cut-off Date: $100.00
___________ 1, ____
Initial Certificate Principal
First Distribution Date: Balance of this Certificate:
_________ 25, ____ $
Master Servicer: Percentage Interest:
RESIDENTIAL FUNDING CORPORATION %
Assumed Final Distribution Date: CUSIP 76110F-
___________ 25, ____
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE,
SERIES ____-___
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.
<PAGE>
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 Company, the Master Servicer and __________________,
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
<PAGE>
Holder hereof may have additional obligations with respect to this Certificate,
including tax liabilities, and may be entitled to certain additional
distributions hereon, in accordance with the terms and provisions of the
Agreement.
No transfer of this Class R Certificate will be made unless
the Trustee has received either (i) an opinion of counsel acceptable to and in
form and substance satisfactory to the Trustee, the Company and the Master
Servicer with respect to the permissibility of such transfer under the Employee
Retirement Income Security Act of 1974, as amended ("ERISA"), and Section 4975
of the Internal Revenue Code (the "Code") and stating, among other things, that
the transferee's acquisition of a Class R Certificate will not constitute or
result in a non-exempt prohibited transaction under Section 406 of ERISA or
Section 4975 of the Code or (ii) a representation letter, in the form as
described by the Agreement, stating that the transferee is not an employee
benefit or other plan subject to the prohibited transaction provisions of ERISA
or Section 4975 of the Code (a "Plan"), or any other person (including an
investment manager, a named fiduciary or a trustee of any Plan) acting, directly
or indirectly, on behalf of or purchasing any Certificate with "plan assets" of
any Plan.
This Certificate is one of a duly authorized issue of
Certificates issued in several Classes designated as Mortgage Asset-Backed
Pass-Through Certificates of the Series specified hereon (herein collectively
called the "Certificates").
The Certificates are limited in right of payment to certain
collections and recoveries respecting the Mortgage Loans, all as more
specifically set forth herein and in the Agreement. In the event Master Servicer
funds are advanced with respect to any Mortgage Loan, such advance is
reimbursable to the Master Servicer, to the extent provided in the Agreement,
from related recoveries on such Mortgage Loan or from other cash that would have
been distributable to Certificateholders.
As provided in the Agreement, withdrawals from the Custodial
Account and/or the Certificate Account created for the benefit of
Certificateholders may be made by the Master Servicer from time to time for
purposes other than distributions to Certificateholders, such purposes including
without limitation reimbursement to the Company and the Master Servicer of
advances made, or certain expenses incurred, by either of them.
The Agreement permits, with certain exceptions therein
provided, the amendment of the Agreement and the modification of the rights and
obligations of the Company, the Master Servicer and the Trustee and the rights
of the Certificateholders under the Agreement at any time by the Company, the
Master Servicer and the Trustee with the consent of the Holders of Certificates
evidencing 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.
<PAGE>
As provided in the Agreement and subject to certain
limitations therein set forth, the transfer of this Certificate is registrable
in the Certificate Register upon surrender of this Certificate for registration
of transfer at the offices or agencies appointed by the Trustee in the City and
State of New York, duly endorsed by, or accompanied by an assignment in the form
below or other written instrument of transfer in form satisfactory to the
Trustee and the Certificate Registrar duly executed by the Holder hereof or such
Holder's attorney duly authorized in writing, and thereupon one or more new
Certificates of authorized denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated transferee or transferees.
The Certificates are issuable only as registered Certificates
without coupons in Classes and in denominations specified in the Agreement. As
provided in the Agreement and subject to certain limitations therein set forth,
Certificates are exchangeable for new Certificates of authorized denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.
No service charge will be made for any such registration of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.
The Company, the Master Servicer, the Trustee and the
Certificate Registrar and any agent of the Company, the Master Servicer, the
Trustee or the Certificate Registrar may treat the Person in whose name this
Certificate is registered as the owner hereof for all purposes, and neither the
Company, the Master Servicer, the Trustee nor any such agent shall be affected
by notice to the contrary.
This Certificate shall be governed by and construed in
accordance with the laws of the State of New York.
The obligations created by the Agreement in respect of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to Certificateholders of all amounts held by or on behalf of the Trustee and
required to be paid to them pursuant to the Agreement following the earlier of
(i) the maturity or other liquidation of the last Mortgage Loan subject thereto
or the disposition of all property acquired upon foreclosure or deed in lieu of
foreclosure of any Mortgage Loan and (ii) the purchase by the Master Servicer or
the Company from the Trust Fund of all remaining Mortgage Loans and all property
acquired in respect of such Mortgage Loans, thereby effecting early retirement
of the Certificates. The Agreement permits, but does not require, the Master
Servicer or the Company to (i) purchase at a price determined as provided in the
Agreement all remaining Mortgage Loans and all property acquired in respect of
any Mortgage Loan or (ii) purchase in whole, but not in part, all of the
Certificates 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.
<PAGE>
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.
<PAGE>
IN WITNESS WHEREOF, the Trustee has caused this Certificate to
be duly executed.
Dated: [____________________________],
as Trustee
BY:
Authorized Signatory
CERTIFICATE OF AUTHENTICATION
This is one of the Class R Certificates referred to in the
within-mentioned Agreement.
[----------------------------],
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
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 CONTRACTOR.
At no time shall the Seller/Servicer represent that it is acting as an
agent of Residential Funding. The Seller/Servicer shall, at all times, act as an
independent contractor.
6. PRIOR AGREEMENTS SUPERSEDED.
This Contract restates, amends and supersedes any and all prior Seller
Contracts or Servicer Contracts between the parties except that any subservicing
agreement executed by the Seller/Servicer in connection with any loan-security
exchange transaction shall not be affected.
<PAGE>
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: ( ) -
------ ------
-----------------------------------------------------------------
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.
<PAGE>
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.
<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: By:
(TYPED NAME) (TYPED NAME)
TITLE: Title:
=============================================== ================================
ATTEST: RESIDENTIAL FUNDING CORPORATION
[CORPORATE SEAL]
BY: By:
(SIGNATURE) (SIGNATURE)
BY: By:
(TYPED NAME) (TYPED NAME)
TITLE: Title:
<PAGE>
EXHIBIT F
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#:
MIN#:
Borrower Name(s):
Reason for Document Request: (circle one)
Mortgage Loan Prepaid in Full Mortgage Loan Repurchased
"We hereby certify that all amounts received or to be received in connection
with such payments which are required to be deposited have been or will be so
deposited as provided in the Pooling and Servicing Agreement."
________________________________
Residential Funding Corporation
Authorized Signature
******************************************************************************
TO CUSTODIAN/TRUSTEE: Please acknowledge this request, and check off documents
being enclosed with a copy of this form. You should retain this form for your
files in accordance with the terms of the Pooling and Servicing Agreement.
Enclosed Documents: [ ] Promissory Note
[ ] Primary Insurance Policy
[ ] Mortgage or Deed of Trust
[ ] Assignment(s) of Mortgage or Deed of Trust
[ ] Title Insurance Policy
[ ] Other:
NAME:
TITLE:
DATE:
<PAGE>
EXHIBIT G-1
FORM OF TRANSFER AFFIDAVIT AND AGREEMENT
STATE OF )
) ss.:
COUNTY OF )
[NAME OF OFFICER], being first duly sworn, deposes and says:
1. That he is [Title of Officer] of [Name of Owner] (record or beneficial owner
of the Mortgage Asset-Backed Pass-Through Certificates, Series ____-___, Class R
(the "Owner")), a [savings institution] [CORPORATION] DULY ORGANIZED AND
EXISTING UNDER THE LAWS OF [THE STATE OF______________ ] [the United States], on
behalf of which he makes this affidavit and agreement.
2. That the Owner (i) is not and will not be a "disqualified organization" or an
electing large partnership as of [date of transfer] within the meaning of
Sections 860E(e)(5) and 775, respectively, of the Internal Revenue Code of 1986,
as amended (the "Code") or an electing large partnership under Section 775(a) of
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 an electing large partnership under
Section 775 of the Code, the United States, any state or political subdivision
thereof, any agency or instrumentality of any of the foregoing (other than an
instrumentality all of the activities of which are subject to tax and, except
for the Federal Home Loan Mortgage Corporation, a majority of whose board of
directors is not selected by any such governmental entity) or any foreign
government, international organization or any agency or instrumentality of such
foreign government or organization, any rural electric or telephone cooperative,
or any organization (other than certain farmers' cooperatives) that is generally
exempt from federal income tax unless such organization is subject to the tax on
unrelated business taxable income).
3. That the Owner is aware (i) of the tax that would be imposed on transfers of
Class R Certificates to disqualified organizations or electing large
partnerships, 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, with respect to transfers to electing large partnerships, on each such
partnership), 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 (other than with respect to transfers to electing large
partnerships) 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>
4. That the Owner is aware of the tax imposed on a "pass-through entity" holding
Class R Certificates if either the pass-through entity is an electing large
partnership under Section 775 of the if at any time during the taxable year of
the pass-through entity a disqualified organization is the record holder of an
interest in such entity. (For this purpose, a "pass through entity" includes a
regulated investment company, a real estate investment trust or common trust
fund, a partnership, trust or estate, and certain cooperatives.)
5. The Owner is a citizen or resident of the United States, a corporation,
partnership or other entity created or organized in, or under the laws of, the
United States or any political subdivision thereof (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.
6. That the Owner is aware that the Trustee will not register the transfer of
any Class R Certificates unless the transferee, or the transferee's agent,
delivers to it an affidavit and agreement, among other things, in substantially
the same form as this affidavit and agreement. The Owner expressly agrees that
it will not consummate any such transfer if it knows or believes that any of the
representations contained in such affidavit and agreement are false.
7. That the Owner has reviewed the restrictions set forth on the face of the
Class R Certificates and the provisions of Section 5.02(f) of the Pooling and
Servicing Agreement under which the Class R Certificates were issued (in
particular, clause (iii)(A) and (iii)(B) of Section 5.02(f) which authorize the
Trustee to deliver payments to a person other than the Owner and negotiate a
mandatory sale by the Trustee in the event the Owner holds such Certificates in
violation of Section 5.02(f)). The Owner expressly agrees to be bound by and to
comply with such restrictions and provisions.
8. That the Owner consents to any additional restrictions or arrangements that
shall be deemed necessary upon advice of counsel to constitute a reasonable
arrangement to ensure that the Class R Certificates will only be owned, directly
or indirectly, by an Owner that is not a disqualified organization.
9. THE OWNER'S TAXPAYER IDENTIFICATION NUMBER IS _____________________.
10. This affidavit and agreement relates only to the Class R Certificates held
by the Owner and not to any other holder of the Class R Certificates. The Owner
understands that the liabilities described herein relate only to the Class R
Certificates.
11. That no purpose of the Owner relating to the transfer of any of the Class R
Certificates by the Owner is or will be to impede the assessment or collection
of any tax.
12. That the Owner has no present knowledge or expectation that it will be
unable to pay any United States taxes owed by it so long as any of the
Certificates remain outstanding. In this regard, the Owner hereby represents to
and for the benefit of the person from whom it acquired the Class R Certificate
that the Owner intends to pay taxes associated with holding such Class R
Certificate as they become due, fully understanding that it may incur tax
liabilities in excess of any cash flows generated by the Class R Certificate.
13. That the Owner has no present knowledge or expectation that it will become
insolvent or subject to a bankruptcy proceeding for so long as any of the Class
R Certificates remain outstanding.
14. The Purchaser is not an employee benefit plan or other plan subject to the
prohibited transaction provisions of the Employee Retirement Income Security Act
of 1974, as amended ("ERISA"), or Section 4975 of the Internal Revenue Code of
1986, as amended (the "Code"), or an investment manager, named fiduciary or a
trustee of any such plan, or any other Person acting, directly or indirectly, on
behalf of or purchasing any Certificate with "plan assets" of any such plan.
<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 G-2
FORM OF TRANSFEROR CERTIFICATE
, 19
Residential Accredit Loans, Inc.
8400 Normandale Lake Boulevard
Suite 600
Minneapolis, Minnesota 55437
Attention: Residential Funding Corporation Series ____-___
Re: Mortgage Asset-Backed Pass-Through Certificates,
SERIES ____-___, 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 ____-___, Class R (the
"Certificates"), pursuant to Section 5.02 of the Pooling and Servicing Agreement
(the "Pooling and Servicing Agreement"), dated as of ___________ 1, ____ among
Residential Accredit Loans, Inc., as seller (the "Company"), Residential Funding
Corporation, as master servicer, and __________________, 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:
15. 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.
16. 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 G-1. The Seller does not know or
believe that any representation contained therein is false.
17. The Seller has at the time of the transfer conducted a reasonable
investigation of the financial condition of the Purchaser as contemplated by
Treasury Regulations Section 1.860E-1(c)(4)(i) and, as a result of that
investigation, the Seller has determined that the Purchaser has historically
paid its debts as they become due and has found no significant evidence to
indicate that the Purchaser will not continue to pay 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.
<PAGE>
18. 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:
<PAGE>
EXHIBIT H-1
FORM OF INVESTOR REPRESENTATION LETTER
, 19
Residential Accredit Loans, Inc.
8400 Normandale Lake Boulevard
Suite 600
Minneapolis, MN 55437
==================
- ------------------
Residential Funding Corporation
8400 Normandale Lake Boulevard
Suite 600
Minneapolis, MN 55437
Attention: Residential Funding Corporation Series ____-___
RE: Mortgage Asset-Backed Pass-Through Certificates,
SERIES ____-___, [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 ____-___, CLASS (the "Certificates"), issued pursuant to
the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"),
dated as of ___________ 1, ____ among Residential Accredit Loans, Inc., as
seller (the "Company"), Residential Funding Corporation, as master servicer (the
"Master Servicer"), and __________________, 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:
1. The Purchaser understands that (a) the Certificates have not
been and will not be registered or qualified under the
Securities Act of 1933, as amended (the "Act") or any state
securities law, (b) the Company is not required to so register
or qualify the Certificates, (c) the Certificates may be
resold only if registered and qualified pursuant to the
provisions of the Act or any state securities law, or if an
exemption from such registration and qualification is
available, (d) the Pooling and Servicing Agreement contains
restrictions regarding the transfer of the Certificates and
(e) the Certificates will bear a legend to the foregoing
effect.
<PAGE>
2. The Purchaser is acquiring the Certificates for its own
account for investment only and not with a view to or for sale
in connection with any distribution thereof in any manner that
would violate the Act or any applicable state securities laws.
3. The Purchaser is (a) a substantial, sophisticated
institutional investor having such knowledge and experience in
financial and business matters, and, in particular, in such
matters related to securities similar to the Certificates,
such that it is capable of evaluating the merits and risks of
investment in the Certificates, (b) able to bear the economic
risks of such an investment and (c) an "accredited investor"
within the meaning of Rule 501(a) promulgated pursuant to the
Act.
4. The Purchaser has been furnished with, and has had an opportunity
to review (a) [a copy of the Private PLACEMENT MEMORANDUM, DATED
_______________, 19___, relating to the Certificates (b)] a copy
of the Pooling and Servicing Agreement and [b] [c] such other
information concerning the Certificates, the Mortgage Loans and
the Company as has been requested by the Purchaser from the
Company or the Seller and is relevant to the Purchaser's decision
to purchase the Certificates. The Purchaser has had any questions
arising from such review answered by the Company or the Seller to
the satisfaction of the Purchaser. [If the Purchaser did not
purchase the Certificates from the Seller in connection with the
initial distribution of the Certificates and was provided with a
copy of the Private Placement Memorandum (the "Memorandum")
relating to the original sale (the "Original Sale") of the
Certificates by the Company, the Purchaser acknowledges that such
Memorandum was provided to it by the Seller, that the Memorandum
was prepared by the Company solely for use in connection with the
Original Sale and the Company did not participate in or
facilitate in any way the purchase of the Certificates by the
Purchaser from the Seller, and the Purchaser agrees that it will
look solely to the Seller and not to the Company with respect to
any damage, liability, claim or expense arising out of, resulting
from or in connection with (a) error or omission, or alleged
error or omission, contained in the Memorandum, or (b) any
information, development or event arising after the date of the
Memorandum.]
5. The Purchaser has not and will not nor has it authorized or will
it authorize any person to (a) offer, pledge, sell, dispose of or
otherwise transfer any Certificate, any interest in any
Certificate or any other similar security to any person in any
manner, (b) solicit any offer to buy or to accept a pledge,
disposition of other transfer of any Certificate, any interest in
any Certificate or any other similar security from any person in
any manner, (c) otherwise approach or negotiate with respect to
any Certificate, any interest in any Certificate or any other
similar security with any person in any manner, (d) make any
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.
<PAGE>
6. The Purchaser
(a) is not an employee benefit or other plan subject to the
prohibited transaction provisions of the Employee Retirement
Income Security Act of 1974, as amended ("ERISA"), or Section
4975 of the Internal Revenue Code of 1986, as amended (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.
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 6(a) or (b)
above.
Very truly yours,
BY:
NAME:
TITLE:
<PAGE>
EXHIBIT H-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
Attention: Residential Funding Corporation Series ____-___
RE: MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES, SERIES
____-___, CLASS M-
Ladies and Gentlemen:
_____________________ (the "Purchaser") intends to purchase from
________________________ (THE "SELLER") $________________ Initial Certificate
PRINCIPAL BALANCE OF MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES, SERIES
____-___, CLASS M- (the "Certificates"), issued pursuant to the Pooling and
Servicing Agreement (the "Pooling and Servicing Agreement"), dated as of
___________ 1, ____, among Residential Accredit Loans, Inc., as seller (the
"Company"), Residential Funding Corporation, as master servicer (the "Master
Servicer") and __________________, 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:
(a) 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 (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
<PAGE>
(b) The Purchaser 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
conditions set forth in Sections I and III of PTCE 95-60 have
been satisfied.
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:
<PAGE>
EXHIBIT H-3
FORM OF ERISA LEGEND
Each beneficial owner of a book-entry Class M Certificate (or any
interest therein) shall be deemed to have represented, by virtue of its
acquisition or holding of such Certificate (or interest therein), that either:
(a) it 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 (a "Plan"), or any other
person (including an investment manager, a named fiduciary or a trustee
of any Plan) acting, directly or indirectly, on behalf of or purchasing
any Certificate with "plan assets" of any Plan; or
(b) (i) the transferee is an insurance company, (ii) 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
(iii) the conditions set forth in Sections I and III of PTCE 95-60 have
been satisfied.
Any purported beneficial owner of a book-entry Class M Certificate (or
interest therein) to whom either (a) or (b) above does not apply shall indemnify
and hold harmless the Company, the Trustee, the Master Servicer, any
Subservicer, and the Trust Fund from and against any and all liabilities,
claims, costs or expenses incurred by such parties as a result of its
acquisition or holding of such Certificate.
<PAGE>
EXHIBIT I
FORM OF TRANSFEROR REPRESENTATION LETTER
, 19
Residential Accredit Loans, Inc.
8400 Normandale Lake Boulevard
Suite 600
Minneapolis, MN 55437
Attention: Residential Funding Corporation Series ____-___
Re: Mortgage Asset-Backed Pass-Through Certificates,
SERIES ____-___, [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 ____-___, CLASS (the "Certificates"), issued
pursuant to the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement"), dated as of ___________ 1, ____ among Residential Accredit Loans,
Inc., as seller (the "Company"), Residential Funding Corporation, as master
servicer, and __________________, 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 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:
<PAGE>
EXHIBIT J
[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 ___________ 1, ____ among Residential
Funding Corporation as Master Servicer, Residential Accredit Loans, Inc. as
depositor pursuant to Section 5.02 of the Agreement and __________________, as
trustee, as follows:
(a) The Buyer understands that the Rule 144A Securities have not been
registered under the 1933 Act or the securities laws of any state.
(b) The Buyer considers itself a substantial, sophisticated institutional
investor having such knowledge and experience in financial and business
matters that it is capable of evaluating the merits and risks of
investment in the Rule 144A Securities.
<PAGE>
(c) The Buyer has been furnished with all information regarding the Rule
144A Securities that it has requested from the Seller, the Trustee or
the Servicer.
(d) Neither the Buyer nor anyone acting on its behalf has offered, transferred,
pledged, sold or otherwise disposed of the Rule 144A Securities, any
interest in the Rule 144A Securities or any other similar security to, or
solicited any offer to buy or accept a transfer, pledge or other
disposition of the Rule 144A Securities, any interest in the Rule 144A
Securities or any other similar security from, or otherwise approached or
negotiated with respect to the Rule 144A Securities, any interest in the
Rule 144A Securities or any other similar security with, any person in any
manner, or made any general solicitation by means of general advertising or
in any other manner, or taken any other action, that would constitute a
distribution of the Rule 144A Securities under the 1933 Act or that would
render the disposition of the Rule 144A Securities a violation of Section 5
of the 1933 Act or require registration pursuant thereto, nor will it act,
nor has it authorized or will it authorize any person to act, in such
manner with respect to the Rule 144A Securities.
(e) The Buyer is a "qualified institutional buyer" as that term is defined in
Rule 144A under the 1933 Act and has completed either of the forms of
certification to that effect attached hereto as Annex 1 or Annex 2. The
Buyer is aware that the sale to it is being made in reliance on Rule 144A.
The Buyer is acquiring the Rule 144A Securities for its own account or the
accounts of other qualified institutional buyers, understands that such
Rule 144A Securities may be resold, pledged or transferred only (i) to a
person reasonably believed to be a qualified institutional buyer that
purchases for its own account or for the account of a qualified
institutional buyer to whom notice is given that the resale, pledge or
transfer is being made in reliance on Rule 144A, or (ii) pursuant to
another exemption from registration under the 1933 Act.
[3. The Buyer
(a) is not an employee benefit or other plan subject to the prohibited
transaction provisions of the Employee Retirement Income Security Act
of 1974, as amended ("ERISA"), or Section 4975 of the Internal Revenue
Code of 1986, as amended (the "Code") (a "Plan"), or any other person
(including an investment manager, a named fiduciary or a trustee of any
Plan) acting, directly or indirectly, on behalf of or purchasing any
Certificate with "plan assets" of any Plan 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.
<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:
<PAGE>
ANNEX 1 TO EXHIBIT J
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 District of Columbia.
<PAGE>
___ 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 made herein because one or more
sales to the Buyer may be in reliance on Rule 144A.
<PAGE>
Will the Buyer be purchasing the Rule 144A
Yes No Securities only for the Buyer's own account?
6. If the answer to the foregoing question is "no", the Buyer agrees that, in
connection with any purchase of securities sold to the Buyer for the account of
a third party (including any separate account) in reliance on Rule 144A, the
Buyer will only purchase for the account of a third party that at the time is a
"qualified institutional buyer" within the meaning of Rule 144A. In addition,
the Buyer agrees that the Buyer will not purchase securities for a third party
unless the Buyer has obtained a current representation letter from such third
party or taken other appropriate steps contemplated by Rule 144A to conclude
that such third party independently meets the definition of "qualified
institutional buyer" set forth in Rule 144A.
7. The Buyer will notify each of the parties to which this certification is made
of any changes in the information and conclusions herein. Until such notice is
given, the Buyer's 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:
<PAGE>
ANNEX 2 TO EXHIBIT J
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:
8. 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.
9. 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).
10. 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).
11. 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.
12. The Buyer is familiar with Rule 144A and understands that each of the
parties to which this certification is made are relying and will continue to
rely on the statements made herein because one or more sales to the Buyer will
be in reliance on Rule 144A. In addition, the Buyer will only purchase for the
Buyer's own account.
<PAGE>
13. 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:
<PAGE>
EXHIBIT K
[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 Sub-Servicer will be
entitled to any reimbursement pursuant to Section 4.02(a) on such Distribution
Date for Advances or Sub-Servicer Advances previously made, (which will not be
Advances or Sub-Servicer 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 Sub-Servicer Advances reimbursed pursuant to
Section 4.02(a), to the extent such Advances or Sub-Servicer 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 shall
be required to pay pursuant to this Section on any Distribution Date (the
"Amount Available") shall be equal to the lesser of (X)
<PAGE>
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 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
<PAGE>
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 supercession (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 supercession 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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EXHIBIT L
[FORM OF LIMITED GUARANTY]
LIMITED GUARANTY
RESIDENTIAL ACCREDIT LOANS, INC.
Mortgage Asset-Backed Pass-Through Certificates
Series ____-___
, 199
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Attention: Residential Funding Corporation Series ____-___
Ladies and Gentlemen:
WHEREAS, Residential Funding Corporation, a Delaware
corporation ("Residential Funding"), an indirect wholly-owned subsidiary of
General Motors Acceptance Corporation, a New York corporation ("GMAC"), plans to
incur certain obligations as described under Section 12.01 of the Pooling and
Servicing Agreement dated as of ___________ 1, ____ (the "Servicing Agreement"),
among Residential Accredit Loans, Inc. (the "Company"), RESIDENTIAL FUNDING AND
__________________ (THE "TRUSTEE") AS AMENDED BY AMENDMENT NO. thereto, dated as
OF , with respect to the Mortgage Asset-Backed Pass-Through Certificates, Series
____-___ (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:
14. PROVISION OF FUNDS. (a) GMAC agrees to contribute and deposit in the
Certificate Account on behalf of Residential Funding (or otherwise provide to
Residential Funding, or to cause to be made available to Residential Funding),
either directly or through a subsidiary, in any case prior to the related
Distribution Date, such moneys as may be required by Residential Funding to
perform its Subordinate Certificate Loss Obligation 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>
(b) The agreement set forth in the preceding clause (a) shall
be absolute, irrevocable and unconditional and shall not be affected by the
transfer by GMAC or any other person of all or any part of its or their interest
in Residential Funding, by any insolvency, bankruptcy, dissolution or other
proceeding affecting Residential Funding or any other person, by any defense or
right of counterclaim, set-off or recoupment that GMAC may have against
Residential Funding or any other person or by any other fact or circumstance.
Notwithstanding the foregoing, GMAC's obligations under clause (a) shall
terminate upon the earlier of (x) substitution for this Limited Guaranty
pursuant to Section 12.01(f) of the Servicing Agreement, or (y) the termination
of the Trust Fund pursuant to the Servicing Agreement.
15. 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.
16. 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.
17. SUCCESSOR. Except as otherwise expressly provided herein, the guarantee
herein set forth shall be binding upon GMAC and its respective successors.
18. GOVERNING LAW. This Limited Guaranty shall be governed by the laws of the
State of New York.
19. 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.
20. DEFINITIONS. Capitalized terms used but not otherwise defined herein shall
have the meaning given them in the Servicing Agreement.
21. 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.
<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
NAME:
TITLE:
Acknowledged by:
- ------------------,
as Trustee
BY:
NAME:
TITLE:
RESIDENTIAL ACCREDIT LOANS, INC.
BY:
NAME:
TITLE:
<PAGE>
EXHIBIT M
FORM OF LENDER CERTIFICATION FOR ASSIGNMENT OF MORTGAGE LOAN
, 19
Residential Accredit Loans, Inc.
8400 Normandale Lake Boulevard
Suite 600
Minneapolis, Minnesota 55437
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Attention: Residential Funding Corporation Series ____-___
RE: MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES, SERIES
____-___ 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 ___________ 1, ____ among Residential Accredit Loans, Inc., as seller (the
"Company"), Residential Funding Corporation, as master servicer, and the
Trustee. All terms used herein and not otherwise defined shall have the meanings
set forth in the Pooling and Servicing Agreement. The Lender hereby certifies,
represents and warrants to, and covenants with, the Master Servicer and the
Trustee that:
(i) the Mortgage Loan is secured by Mortgaged Property located in a jurisdiction
in which an assignment in lieu of satisfaction is required to preserve lien
priority, minimize or avoid mortgage recording taxes or otherwise comply with,
or facilitate a refinancing under, the laws of such jurisdiction;
(ii) the substance of the assignment is, and is intended to be, a refinancing of
such Mortgage Loan and the form of the transaction is solely to comply with, or
facilitate the transaction under, such local laws;
(iii) the Mortgage Loan following the proposed assignment will be modified to
have a rate of interest at least 0.25 percent below or above the rate of
interest on such Mortgage Loan prior to such proposed assignment; and
(iv) such assignment is at the request of the borrower under the related
Mortgage Loan.
Very truly yours,
(Lender)
BY:
NAME:
TITLE:
<PAGE>
EXHIBIT N
FORM OF REQUEST FOR EXCHANGE
[DATE]
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Re: Residential Accredit Loans, Inc.,
Mortgage Asset-Backed Pass-Through Certificates,
SERIES ____-___
RESIDENTIAL FUNDING CORPORATION, AS THE HOLDER OF A %
Percentage Interest of the [Interest Only/Class A-V][-1] Certificates, hereby
requests the Trustee to exchange the above-referenced Certificates for the
Subclasses referred to below:
1. [INTEREST ONLY/CLASS A-V]- 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
[INTEREST ONLY/CLASS A-V]- 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 [Interest
Only/Class A-V][-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
___________ 1, ____, among Residential Accredit Loans, Inc., Residential Funding
Corporation and __________________, as trustee.
RESIDENTIAL FUNDING CORPORATION
BY:
Name:
Title:
<PAGE>
