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) April 1, 2000
RESIDENTIAL ACCREDIT LOANS, INC. (as company under a Pooling and Servicing
Agreement dated as of April 1, 2000 providing for, inter alia, the issuance of
Mortgage Asset-Backed Pass-Through Certificates, Series 2000-QS5)
Residential Accredit Loans, Inc.
(Exact name of registrant as specified in its charter)
DELAWARE 333-72661 51-0368240
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(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 April 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: /s/Stephen Hynes
Name: Stephen Hynes
Title: Vice President
Dated: April 28, 2000
<PAGE>
Exhibit 10.1
Series Supplement, dated as of April 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 April 1, 2000,
TO
STANDARD TERMS OF
POOLING AND SERVICING AGREEMENT
dated as of December 1, 1999
Mortgage Asset-Backed Pass-Through Certificates
Series 2000-QS5
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<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)...........25
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).....................................25
Section 4.05. Allocation of Realized Losses.................................25
Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged
Property (See Section 4.06 of the Standard Terms).........26
Section 4.07. Optional Purchase of Defaulted Mortgage Loans. (See
Section 4.07 of the Standard Terms)..................26
Section 4.08. Surety Bond. (See Section 4.08 of the Standard Terms)........26
Article V THE CERTIFICATES.........................................................27
Article VI THE COMPANY AND THE MASTER SERVICER......................................28
Article VII DEFAULT..................................................................29
Article VIII CONCERNING THE TRUSTEE...................................................30
Article IX TERMINATION..............................................................31
Article X REMIC PROVISIONS.........................................................32
Section 10.01. REMIC Administration. (See Section 10.01 of the Standard Terms)32
Section 10.02. Master Servicer; REMIC Administrator and Trustee Indemnification. (See
Section 10.02 of the Standard Terms)...................................32
Section 10.03. Designation of REMIC.........................................32
Section 10.04. Compliance with Withholding Requirements......................32
Article XI MISCELLANEOUS PROVISIONS.................................................33
Section 11.01 Amendment. (See Section 11.01 of the Standard Terms).........33
Section 11.02. Recordation of Agreement; Counterparts. (See Section
11.02 of the Standard Terms)..............................33
Section 11.03. Limitation on Rights of Certificateholders. (See Section
11.03 of the Standard Terms).............................33
Section 11.04. Governing Laws. (See Section 11.04 of the Standard
Terms)...................................................33
Section 11.05. Notices.....................................................33
Section 11.06. Required Notices to Rating Agency and Subservicer.
(See Section 11.06 of the Standard Terms)...............34
Section 11.07. Severability of Provisions. (See Section 11.07 of the
Standard Terms)........................................34
Section 11.08. Supplemental Provisions for Resecuritization.
(See Section 11.08 of the Standard Terms)..............34
Section 11.09. Allocation of Voting Rights...............................34
</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>
2
This is a Series Supplement, dated as of April 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 a 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 Fitch Denominations2
-
<S> <C> <C> <C> <C> <C> <C>
Class A-1 7.75% $92,675,000.00 Senior/PAC April 25, 2030 AAA/AAA $25,000.00
Class A-2 7.75% $74,478,000.00 Senior/TAC/ April 25, 2030 AAA/AAA $25,000.00
Accretion
Directed
Class A-3 7.75% $10,750,000.00 Senior April 25, 2030 AAA/AAA $25,000.00
Class A-4 7.75% $21,700,000.00 Senior/Lockout AAA/AAA $25,000.00
Class A-5 7.75% $1,075,000.00 Senior/Accrual/CAprili25, 2030 AAA/AAA $25,000.00
Class A-P 0.00% $145,114.60 Principal April 25, 2030 AAAr/AAA $25,000.00
Only/Senior
Class A-V Variable $0.00 Variable April 25, 2030 AAAr/AAA 4
Rate3 Strip/Senior
Class R 7.75% $100.00 Residual/Senior April 25, 2030 AAA/AAA 5
Class M-1 7.75% Mezzanine April 25, 2030 NA/AA $25,000.00
$8,141,800.00
Class M-2 7.75% $2,822,400.00 Mezzanine April 25, 2030 NA/A $250,000.00
Class M-3 7.75% $2,388,200.00 Mezzanine April 25, 2030 NA/BBB $250,000.00
Class B-1 7.75% $1,411,200.00 Subordinate April 25, 2030 NA/BB $250,000.00
Class B-2 7.75% $651,400.00 Subordinate April 25, 2030 NA/B $250,000.00
Class B-3 7.75% $868,514.12 Subordinate April 25, 2030 NA/NA $250,000.00
</TABLE>
____________________________-
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 1.0085%.
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%.
The Mortgage Loans have an aggregate principal balance as of the Cut-off
Date of $217,106,728.72.
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.
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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: The earlier to occur of (i) the Distribution
Date on which the Certificate Principal Balance of the Class A-2 Certificates
has been reduced to zero and (ii) the Credit Support Depletion Date.
Accrual Certificates: Any of the Class A-5 Certificates.
Accrual Distribution Amount: With respect to any Distribution Date on or
prior to the Accretion Termination Date, an amount equal to the amount of the
Accrued Certificate Interest on the Class A-5 Certificates that is added to the
Certificate Principal Balance thereof on such Distribution Date pursuant to
Section 4.02(h).
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)
$150,000 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,
<PAGE>
over (2) the aggregate amount of Bankruptcy Losses allocated
solely to one or more specific Classes of Certificates in accordance
with Section 4.05 since the Relevant Anniversary.
The Bankruptcy Amount may be further reduced by the Master Servicer
(including accelerating the manner in which such coverage is reduced) provided
that prior to any such reduction, the Master Servicer shall (i) obtain written
confirmation from each Rating Agency that such reduction shall not reduce the
rating assigned to any Class of Certificates by such Rating Agency below the
lower of the then-current rating or the rating assigned to such Certificates as
of the Closing Date by such Rating Agency and (ii) provide a copy of such
written confirmation to the Trustee.
Certificate: Any Class A, 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-QS5" and which must be an Eligible Account.
Certificate Policy: None.
Class A Certificate: Any one of the Class A-1, Class A-2, Class A-3,
Class A-4, Class A-5, Class A-V or Class A-P Certificates, executed by the
Trustee and authenticated by the Certificate Registrar substantially in the form
annexed to the Standard Terms as Exhibit A.
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: April 28, 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-QS5.
Cut-off Date: April 1, 2000.
Discount Net Mortgage Rate: 7.75% per annum.
<PAGE>
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.
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.
Initial Monthly Payment Fund: $21,522, representing scheduled principal
amortization and interest at the Net Mortgage Rate during the Due Period ending
on May 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:
<PAGE>
Class M-1: 3.75% Class B-1: 0.65%
Class M-2: 1.30% Class B-2: 0.30%
Class M-3: 1.10% 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.
Interest Only Certificates: Any one of the Class A-V Certificates. The
Interest Only Certificates will have no Certificate Principal Balance.
Lockout Percentage: For any Distribution Date occurring prior to the
Distribution Date in May 2005 will be 0%, and for any Distribution Date
thereafter will be as follows: 30% for any Distribution Date on or after May
2005 and prior to May 2006; 40% for any Distribution Date on or after May 2006
and prior to May 2007; 60% for any Distribution Date on or after May 2007 and
prior to May 2008; 80% for any Distribution Date on or after May 2008 and prior
to May 2009; and 100% for any Distribution Date thereafter.
Maturity Date: April 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");
<PAGE>
(xi) the rate at which the Subservicing Fee accrues ("SUBSERV FEE")
and at which the Servicing Fee accrues ("MSTR SERV FEE");
(xii) a code "T," "BT" or "CT" under the column "LN FEATURE,"
indicating that the Mortgage Loan is secured by a second or
vacation residence; and
(xiii) a code "N" under the column "OCCP CODE," indicating that the
Mortgage Loan is secured by a non-owner occupied residence.
Such schedule may consist of multiple reports that collectively set forth all of
the information required.
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 1.0085% 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.
Planned Principal Balance: With respect to the Class A-1 Certificates
and any Distribution Date, the amount set forth in the Prospectus Supplement
dated April 25, 2000 in the table entitled "Planned Principal Balances and
Targeted Principal Balances," under the column entitled "Class A-1 Planned
Principal Balances."
Prepayment Assumption: The prepayment assumption to be used for
determining the accrual of original issue discount and premium and market
discount on the 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.
<PAGE>
Prepayment Distribution Percentage: With respect to any Distribution
Date 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 May
2005 (unless the Certificate Principal Balances of the Senior
Certificates (other than the Class A-P Certificates), 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
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.
<PAGE>
Principal Only Certificates: Any one of the Class A-P Certificates.
Senior Certificate: Any one of the Class A 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: 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 Senior Certificates (other than the Class
A-P Certificates) immediately prior to such Distribution Date and the
denominator of which is the aggregate Stated Principal Balance of all of the
Mortgage Loans (or related REO Properties) (other than the related Discount
Fraction of each Discount Mortgage Loan) immediately prior to such Distribution
Date.
Senior Principal Distribution Amount: As to any Distribution Date, the
lesser of (a) the balance of the Available Distribution Amount remaining after
the distribution of all amounts required to be distributed pursuant to Section
4.02(a)(i), Section 4.02(a)(ii)(W) and 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(c) of this Series
Supplement, and (b) the sum of the amounts required to be distributed to the
Senior Certificateholders on such Distribution Date pursuant to Sections
4.02(a)(ii)(Y), 4.02(a)(xvi) and 4.02(a)(xvii) of this Series Supplement.
Special Hazard Amount: As of any Distribution Date, an amount equal to
$2,171,067 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
23.01% (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.
<PAGE>
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.
Subordinate Principal Distribution Amount: With respect to any
Distribution Date and each Class of Subordinate Certificates, (a) the sum of (i)
the product of (x) the related Subordinate Class Percentage for such Class and
(y) the aggregate of the amounts calculated (without giving effect to the
related Senior Percentages) for such Distribution Date under clauses (1), (2)
and (3) of Section 4.02(a)(ii)(Y)(A); (ii) such Class's pro rata share, based on
the Certificate Principal Balance of each Class of Subordinate Certificates then
outstanding, of the principal collections described in Section
4.02(a)(ii)(Y)(B)(b) (without giving effect to the Senior Accelerated
Distribution Percentage) 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
(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 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.
Targeted Principal Balance: With respect to the Class A-2 Certificates
and any Distribution Date, the amount set forth in the Prospectus Supplement
dated April 25, 2000 in the table entitled "Planned Principal Balances and
Targeted Principal Balances," under the column entitled "Class A-2 Targeted
Principal Balances."
Uncertificated Class A-V REMIC Regular Interests or Uncertificated REMIC
Regular Interests: The 1,511 uncertificated partial undivided beneficial
ownership interests in the Trust Fund, numbered sequentially from 1 to 1,511,
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.
<PAGE>
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.
<PAGE>
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 twenty-four
Mortgage Loans representing approximately 1.3% of the Mortgage Loans, each
Mortgage Loan with a Loan-to-Value Ratio at origination in excess of 80%
will be insured by a Primary Insurance Policy covering at least 30% of the
principal balance of the Mortgage Loan at origination if the Loan-to-Value
Ratio is between 95.00% and 90.01%, at least 25% of the balance if the
Loan-to-Value Ratio is between 90.00% and 85.01% and at least 12% of the
balance if the Loan-to-Value Ratio is between 85.00% and 80.01%. 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 0.6% of the Mortgage Loans by aggregate Stated Principal
Balance as of the Cut-off Date are secured by Mortgaged Properties
located in any one zip code area in California and no more than 0.6% of
the Mortgage Loans by aggregate Stated Principal Balance as of the
Cut-off Date are secured by Mortgaged Properties located in any one zip
code area outside California;
<PAGE>
(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 54.03% of the Mortgage Loans by aggregate Stated Principal
Balance as of the Cut-off Date were underwritten under a reduced loan
documentation program, approximately 14.18% of the Mortgage Loans by
aggregate Stated Principal Balance as of the Cut-off Date were
underwritten under a no-stated income program, and approximately 3.08%
of the Mortgage Loans by aggregate Stated Principal Balance as of the
Cut-off Date were underwritten under a no income/no asset program;
(x) Except with respect to approximately 25.06% of the Mortgage Loans by
aggregate Stated Principal Balance as of the Cut-off Date, the Mortgagor
represented in its loan application with respect to the related Mortgage
Loan that the Mortgaged Property would be owner-occupied;
(xi) One of the Mortgage Loans, representing 0.1% of the Mortgage Loans, is a
Buy-Down Mortgage Loan;
(xii) Each Mortgage Loan constitutes a qualified mortgage under Section
860G(a)(3)(A) of the Code and Treasury Regulations Section
1.860G-2(a)(1);
(xiii) A policy of title insurance was effective as of the closing of each
Mortgage Loan and is valid and binding and remains in full force and
effect;
(xiv) One of the Mortgage Loans, representing approximately 0.12% of the
Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off
Date is a Cooperative Loan; 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;
<PAGE>
(xvi)Interest on each Mortgage Loan is calculated on the basis of a 360-day
year consisting of twelve 30-day months;
(xvii) One of the Mortgage Loans contains in the related Mortgage File a
Destroyed Mortgage Note;
(xviii) Not more than 0.4% of the Mortgage Loans by aggregate Stated Principal
Balance as of the Cut-off Date will have been made to International
Borrowers, and no such Mortgagor is a member of a foreign diplomatic
mission with diplomatic rank;
(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
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.
<PAGE>
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.
<PAGE>
Article III
ADMINISTRATION AND SERVICING
OF MORTGAGE LOANS
(See Article III of the Standard Terms)
<PAGE>
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)(iii) below,
the amount required to be distributed to the Master Servicer or a Sub-Servicer
pursuant to Section 4.02(a)(iii) 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 Available Distribution Amount remaining:
(i) to the Senior Certificates (other than the Class A-P
Certificates), 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
(ii) (W) to the Class A-P Certificates, the Class A-P Principal
Distribution Amount;
(X) to the Class A-2 Certificates, the Accrual
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), (c) and (e), the sum of the following (applied to reduce the
Certificate Principal Balances of such Senior Certificates, as
applicable):
(A) the Senior Percentage for such Distribution Date times the sum of the
following:
(1) the principal portion of each Monthly Payment due during the
related Due Period on each Outstanding Mortgage Loan (other than the
related Discount Fraction of the principal portion of such payment with
respect to a Discount Mortgage Loan), whether or not received on or prior
to the related Determination Date, minus the principal portion of any Debt
Service Reduction (other than the related Discount Fraction of the
principal portion of such Debt Service Reductions with respect to each
Discount Mortgage Loan) which together with other Bankruptcy Losses exceeds
the Bankruptcy Amount;
(2) the Stated Principal Balance of any Mortgage Loan repurchased
during the related Prepayment Period (or deemed to have been so repurchased
in accordance with Section 3.07(b)) pursuant to Section 2.02, 2.03, 2.04 or
4.07 and the amount of any shortfall deposited in the Custodial Account in
connection with the substitution of a Deleted Mortgage Loan pursuant to
Section 2.03 or 2.04 during the related Prepayment Period (other than the
related Discount Fraction of such Stated Principal Balance or shortfall
with respect to each Discount Mortgage Loan); and
(3) the principal portion of all other unscheduled collections (other
than Principal Prepayments in Full and Curtailments and amounts received in
connection with a Cash Liquidation or REO Disposition of a Mortgage Loan
described in Section 4.02(a)(ii)(Y)(B) 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);
(B) with respect to each Mortgage Loan for which a Cash Liquidation or a
REO Disposition occurred during the related Prepayment Period (or was deemed to
have occurred during such period in accordance with Section 3.07(b) 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 Senior Percentage for such Distribution Date times the
Stated Principal Balance of such Mortgage Loan (other than the related Discount
Fraction of such Stated Principal Balance, with respect to each Discount
Mortgage Loan) and (b) the Senior Accelerated Distribution Percentage for such
Distribution Date times the related unscheduled collections (including 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);
<PAGE>
(C) the Senior Accelerated Distribution Percentage for such Distribution
Date times the aggregate of all Principal Prepayments in Full and Curtailments
received in the related Prepayment Period (other than the related Discount
Fraction of such Principal Prepayments in Full and Curtailments, with respect to
each Discount Mortgage Loan);
(D) any Excess Subordinate Principal Amount for such Distribution Date; and
(E) any amounts described in subsection (ii)(Y), clauses (A), (B) and (C)
of this Section 4.02(a), as determined for any previous Distribution Date, which
remain unpaid after application of amounts previously distributed pursuant to
this clause (E) to the extent that such amounts are not attributable to Realized
Losses which have been allocated to the Subordinate Certificates;
(iii) 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;
(iv) to the Holders of the Class M-1 Certificates, the Accrued
Certificate Interest thereon for such Distribution Date, plus any
Accrued Certificate Interest thereon remaining unpaid from any previous
Distribution Date, except as provided below;
(v) to the Holders of the Class M-1 Certificates, an amount equal
to (x) the Subordinate Principal Distribution Amount for such Class of
Certificates for such Distribution Date, minus (y) the amount of any
Class A-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)(vii), (ix), (xi),
(xiii), (xiv), and (xv) of this Series Supplement are insufficient
therefor, applied in reduction of the Certificate Principal Balance of
the Class M-1 Certificates;
(vi) to the Holders of the Class M-2 Certificates, the Accrued
Certificate Interest thereon for such Distribution Date, plus any
Accrued Certificate Interest thereon remaining unpaid from any previous
Distribution Date, except as provided below;
(vii) to the Holders of the Class M-2 Certificates, an amount
equal to (x) the Subordinate Principal Distribution Amount for such
Class of Certificates for such Distribution Date, minus (y) the amount
of any Class A-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) (ix), (xi),
(xiii), (xiv) and (xv) are insufficient therefor, applied in reduction
of the Certificate Principal Balance of the Class M-2 Certificates;
<PAGE>
(viii) to the Holders of the Class M-3 Certificates, the Accrued
Certificate Interest thereon for such Distribution Date, plus any
Accrued Certificate Interest thereon remaining unpaid from any previous
Distribution Date, except as provided below;
(ix) to the Holders of the Class M-3 Certificates, an amount
equal to (x) the Subordinate Principal Distribution Amount for such
Class of Certificates for such Distribution Date minus (y) the amount of
any Class A-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)(xi),
(xiii), (xiv) and (xv) are insufficient therefor, applied in reduction
of the Certificate Principal Balance of the Class M-3 Certificates;
(x) to the Holders of the Class B-1 Certificates, the Accrued
Certificate Interest thereon for such Distribution Date, plus any
Accrued Certificate Interest thereon remaining unpaid from any previous
Distribution Date, except as provided below;
(xi) to the Holders of the Class B-1 Certificates, an amount
equal to (x) the Subordinate Principal Distribution Amount for such
Class of Certificates for such Distribution Date minus (y) the amount of
any Class A-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)(xiii),
(xiv) and (xv) are insufficient therefor, applied in reduction of the
Certificate Principal Balance of the Class B-1 Certificates;
(xii) to the Holders of the Class B-2 Certificates, the Accrued
Certificate Interest thereon for such Distribution Date, plus any
Accrued Certificate Interest thereon remaining unpaid from any previous
Distribution Date, except as provided below;
(xiii) to the Holders of the Class B-2 Certificates, an amount
equal to (x) the Subordinate Principal Distribution Amount for such
Class of Certificates for such Distribution Date minus (y) the amount of
any Class A-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) and
(xv) are insufficient therefor, applied in reduction of the Certificate
Principal Balance of the Class B-2 Certificates;
(xiv) to the Holders of the Class B-3 Certificates, an amount
equal to (x) the Accrued Certificate Interest thereon for such
Distribution Date, plus any Accrued Certificate Interest thereon
remaining unpaid from any previous Distribution Date, except as provided
below, minus (y) the amount of any Class A-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) (xv) are insufficient therefor;
<PAGE>
(xv) to the Holders of the Class B-3 Certificates, an amount
equal to (x) the Subordinate Principal Distribution Amount for such
Class of Certificates for such Distribution Date minus (y) the amount of
any Class A-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;
(xvi) 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 Amount
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 Amount 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
(xvii) to the Class R Certificates, the balance, if any, of the
Available Distribution Amount.
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
<PAGE>
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);
(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) second, the Accrual Distribution Amount shall be distributed to the
Class A-2 Certificates until the Certificate Principal Balance thereof has been
reduced to zero; and
(iii) third, the Senior Principal Distribution Amount shall be distributed
as follows:
(A) first, to the Class A-4 Certificates in reduction of the
Certificate Principal Balance thereof, an amount equal to the
Lockout Percentage of the Class A-4 Certificates' pro rata share
(based on the Certificate Principal Balance thereof relative to
the Certificate Principal Balance of all of the Senior
Certificates (other than the Class A-P Certificates)) of the
Senior Principal Distribution Amount; and
(B) second, the balance of the Senior Principal
Distribution Amount remaining after the distribution, if any,
described in clause (iii)(A) above shall be distributed as
follows:
(1) first, to the Class R Certificates, until the
Certificate Principal Balance thereof has been reduced
to zero;
(2) second, to the Class A-1 Certificates, until the
Certificate Principal Balance thereof has been
reduced to the Planned Principal Balance for such
Distribution Date;
<PAGE>
(3) third, to the Class A-2 Certificates, until the
Certificate Principal Balance thereof has been
reduced to the Targeted Principal Balance for such
Distribution Date;
(4) fourth, to the Class A-5 Certificates, until the
Certificate Principal Balance thereof has been reduced
to zero;
(5) fifth, to the Class A-2 Certificates (without regard
to the Targeted Principal Balance for such
Distribution Date), until the Certificate Principal
Balance thereof has been reduced zero;
(6) sixth, to the Class A-1 Certificates (without regard
to the Planned Principal Balance for such
Distribution Date), until the Certificate Principal
Balance thereof has been reduced zero;
(7) seventh, to the Class A-3 Certificates, until the
Certificate Principal Balance thereof has been reduced
to zero; and
(8) eighth, to the Class A-4 Certificates, until the
Certificate Principal Balance thereof has been
reduced to zero.
(c) 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) an amount equal to the Discount
Fraction of the principal portion of scheduled payments and unscheduled
collections received or advanced in respect of the Discount Mortgage Loans will
be distributed to the Class A-P Certificates, (ii) the Senior Principal
Distribution Amount will be distributed to the remaining Senior Certificates
(other than the Class A-P Certificates) pro rata in accordance with their
respective outstanding Certificate Principal Balances and (iii) the amount set
forth in Section 4.02(a)(i) will be distributed as set forth therein.
(d) 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 will be paid solely to the holders of the
Class A-P, Class A-V and Subordinate Certificates, in each case as described
herein.
(e) In addition to the foregoing distributions, with respect to any Mortgage
Loan that was previously the subject of a Cash Liquidation or an REO Disposition
that resulted in a Realized Loss, in the event that within two years of the date
on which such Realized Loss was determined to have occurred the Master Servicer
receives amounts, which the Master Servicer reasonably believes to represent
subsequent recoveries (net of any related liquidation expenses), or determines
that it holds surplus amounts previously reserved to cover estimated expenses,
specifically related to such Mortgage Loan (including, but not limited to,
recoveries in respect of the representations and warranties made by the related
Seller pursuant to the applicable Seller's Agreement), the Master Servicer shall
distribute such amounts to the applicable Certificateholders of the Class or
Classes to which such Realized Loss was allocated (with the amounts to be
distributed allocated among such Classes in the same proportions as such
Realized Loss was allocated), and within each such Class to the
Certificateholders of record as of the Record Date immediately preceding the
<PAGE>
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.
(f) 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.
(g) Except as otherwise provided in Section 9.01, if the Master Servicer
anticipates that a final distribution with respect to any Class of Certificates
will be made on the next Distribution Date, the Master Servicer shall, no later
than the Determination Date in the month of such final distribution, notify the
Trustee and the Trustee shall, no later than two (2) Business Days after such
Determination Date, mail on such date to each Holder of such Class of
Certificates a notice to the effect that: (i) the Trustee anticipates that the
final distribution with respect to such Class of Certificates will be made on
such Distribution Date but only upon presentation and surrender of such
Certificates at the office of the Trustee or as otherwise specified therein, and
(ii) no interest shall accrue on such Certificates from and after the end of the
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).
<PAGE>
(h) On each Distribution Date preceding the Accretion Termination Date, Accrued
Certificate Interest on the Class A-5 Certificates will be added to the
Certificate Principal Balance of the Class A-5 Certificates and such amount will
thereafter accrue interest at a rate of 7.75% per annum. On the Accretion
Termination Date, the Accrued Certificate Interest on the Class A-5 Certificates
for such date will be payable to the holders of the Class A-2 Certificates as a
distribution of principal until the Certificate Principal Balance thereof has
been reduced to zero, any such amount will be added to the Certificate Principal
Balance of the Class A-5 Certificates, and any remaining amount of Accrued
Certificate Interest will be paid to the holders of the Class A-5 Certificates
as a distribution of interest and will not be added to the Certificate Principal
Balance thereof; provided, however, if the Accretion Termination Date is the
Credit Support Depletion Date, the entire amount of Accrued Certificate Interest
for such date will be payable to the holders of the Class A-5 Certificates as a
distribution of interest and will not be added to the Certificate Principal
Balance thereof.
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 Senior Certificates (other than the Class A-P Certificates) on a pro
<PAGE>
rata basis, as described below. The principal portion of any Excess Special
Hazard Losses, Excess Bankruptcy Losses, Excess Fraud Losses and Extraordinary
Losses on Discount Mortgage Loans will be allocated to the Class A-P
Certificates in an amount equal to the Discount Fraction thereof and the
remainder of the principal portion of such Realized Losses on Discount Mortgage
Loans and the entire amount of such Realized Losses on Non-Discount Mortgage
Loans will be allocated among the Senior Certificates (other than the Class A-P
Certificates) and 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 prior to giving effect to distributions to be made on such Distribution
Date in the case of the principal portion of a Realized Loss or based on the
Accrued Certificate Interest thereon payable on such Distribution Date (without
regard to any Compensating Interest for such Distribution Date) in the case of
an interest portion of a Realized Loss. Except as provided in the following
sentence, any allocation of the principal portion of Realized Losses (other than
Debt Service Reductions) to a Class of Certificates shall be made by reducing
the Certificate Principal Balance thereof by the amount so allocated, which
allocation shall be deemed to have occurred on such Distribution Date; provided
that the Certificate Principal Balance of the Accrual Certificates for purposes
this Section 4.05 shall be the lesser of (a) the Certificate Principal Balance
of the Accrual Certificates as of the Cut-off Date, and (b) the Certificate
Principal Balance of the Accrual Certificates as of the date of determination.
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)
<PAGE>
Article V
THE CERTIFICATES
(See Article V of the Standard Terms)
<PAGE>
Article VI
THE COMPANY AND THE MASTER SERVICER
(See Article VI of the Standard Terms)
<PAGE>
Article VII
DEFAULT
(See Article VII of the Standard Terms)
<PAGE>
Article VIII
CONCERNING THE TRUSTEE
(See Article VIII of the Standard Terms)
<PAGE>
Article IX
TERMINATION
(See Article IX of the Standard Terms)
<PAGE>
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 A-1, Class A-2, Class A-3, Class A-4, Class A-5, 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.
<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-QS5
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
- ---------------------------------- --------------------------------------------
- ---------------------------------- --------------------------------------------
Fitch IBCA, Inc. One State Street Plaza
New York, N.Y. 10004
- ---------------------------------- --------------------------------------------
<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.
<PAGE>
IN WITNESS WHEREOF, the Company, the Master Servicer and the Trustee
have caused their names to be signed hereto by their respective officers
thereunto duly authorized and their respective seals, duly attested, to be
hereunto affixed, all as of the day and year first above written.
RESIDENTIAL ACCREDIT LOANS, INC.
[Seal]
By:
Name: Stephen Hynes
Title: Vice President
Attest: ____________________
Name:
Title: Vice President
RESIDENTIAL FUNDING CORPORATION
[Seal]
By:
Name: Randy Van Zee
Title: Director
Attest:____________________
Name: Stephen Hynes
Title: Director
BANKERS TRUST COMPANY,
as Trustee
[Seal]
By:
Name:
Title:
Attest:____________________
Name:
Title:
<PAGE>
STATE OF MINNESOTA
)
) ss.:
COUNTY OF HENNEPIN )
On the 28th day of April, 2000 before me, a notary public in and
for said State, personally appeared Stephen Hynes, known to me to be a Vice
President of Residential Accredit Loans, Inc., one of the corporations that
executed the within instrument, and also known to me to be the person who
executed it on behalf of said corporation, and acknowledged to me that such
corporation executed the within instrument.
IN WITNESS WHEREOF, I have hereunto set my hand and affixed my
official seal the day and year in this certificate first above written.
- -------------------------------------------------------------------------------
Notary Public
[Notarial Seal]
<PAGE>
STATE OF MINNESOTA
)
) ss.:
COUNTY OF HENNEPIN )
On the 28th day of April, 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.
- -------------------------------------------------------------------------------
Notary Public
[Notarial Seal]
<PAGE>
STATE OF
)
) ss.:
COUNTY OF )
On the 28th day of April, 2000 before me, a notary public in and
for said State, personally appeared _______________, known to me to be a[n]
_________________ of Bankers Trust Company, the New York banking corporation
that executed the within instrument, and also known to me to be the person who
executed it on behalf of said banking corporation and acknowledged to me that
such banking corporation executed the within instrument.
IN WITNESS WHEREOF, I have hereunto set my hand and affixed my
official seal the day and year in this certificate first above written.
- -------------------------------------------------------------------------------
Notary Public
[Notarial Seal]
<PAGE>
Exhibit ONE
MORTGAGE LOAN SCHEDULE
1
RUN ON : 04/20/00 RFC DISCLOSURE SYSTEM RFFSDFIX-01
AT : 12.52.37 FIXED PASSTHRU REPORT AMORTIZED BALANCE
SERIES : 2000-QS5 CUTOFF : 04/01/00
POOL : 0004438
:
:
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
----------------------------------------------------------------------------
1862556 .2500
99,517.68 .0300
7.5000 .0000
7.2500 .0000
7.2200 .0000
7.2200 .0000
1939988 .2500
501,431.75 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1949534 .2500
132,427.61 .0300
7.7500 .0000
7.5000 .0000
7.4700 .0000
7.4700 .0000
1951793 .2500
35,889.63 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1953971 .2500
69,967.34 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
7.7500 1.6700
1954775 .2500
186,977.61 .0800
8.1250 .0000
7.8750 .0000
7.7950 .0000
7.7500 .0450
1
1954784 .2500
204,300.00 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
7.7500 1.0450
1956387 .2500
51,882.07 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
1958171 .2500
118,138.40 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1959221 .2500
130,320.67 .0800
9.8750 .0000
9.6250 .0000
9.5450 .0000
7.7500 1.7950
1959506 .2500
107,860.97 .0800
9.8750 .0000
9.6250 .0000
9.5450 .0000
7.7500 1.7950
1960286 .2500
59,860.40 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1960402 .2500
58,500.00 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
1960963 .2500
86,321.16 .0800
9.8750 .0000
9.6250 .0000
9.5450 .0000
7.7500 1.7950
1
1960969 .2500
86,321.16 .0800
9.8750 .0000
9.6250 .0000
9.5450 .0000
7.7500 1.7950
1961823 .2500
117,700.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1961840 .2500
55,771.82 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
1962177 .2500
161,505.78 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1962355 .2500
83,954.12 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1962803 .2500
399,488.11 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
1962820 .2500
133,577.00 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1963039 .2500
223,392.74 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
7.7200 .0000
1
1963515 .2500
184,678.34 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1963980 .2500
164,909.87 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1964061 .2500
144,684.48 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
1964320 .2500
30,486.14 .0800
9.8750 .0000
9.6250 .0000
9.5450 .0000
7.7500 1.7950
1964638 .2500
149,859.47 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
7.7500 1.6700
1964643 .2500
62,636.42 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
1965153 .2500
78,328.46 .0800
9.8750 .0000
9.6250 .0000
9.5450 .0000
7.7500 1.7950
1965473 .2500
73,532.84 .0800
9.8750 .0000
9.6250 .0000
9.5450 .0000
7.7500 1.7950
1
1965638 .2500
238,991.40 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
1965957 .2500
129,386.03 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1965984 .2500
424,180.69 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1966385 .2500
65,450.00 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1966606 .2500
141,300.00 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
7.7500 1.5450
1966759 .2500
63,535.25 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
7.7500 1.6700
1966834 .2500
143,785.82 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
1967292 .2500
125,797.31 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
7.7500 1.0450
1
1967548 .2500
147,768.04 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
1967702 .2500
423,843.49 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
1967725 .2500
28,292.06 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
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9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
3339644 .2500
310,500.00 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
1
3343970 .2500
250,000.00 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
TOTAL NUMBER OF LOANS: 1511
TOTAL BALANCE........: 217,106,728.72
1
RUN ON : 04/20/00 RFC DISCLOSURE SYSTEM RFFSDFIX-01
AT : 12.52.37 INITIAL SECURITY FEES AMORTIZED BALANCE
SERIES : 2000-QS5 FIXED SUMMARY REPORT CUTOFF : 04/01/00
POOL : 0004438
:
:
POOL STATUS: F
WEIGHTED AVERAGES FROM TO
----------------------------------------------------------------------------
RFC NET RATE 8.8319 6.8750 10.3750
NET MTG RATE(INVSTR RATE) 8.7533 6.8450 10.2950
POST STRIP RATE 7.7448 6.8450 7.7500
SUB SERV FEE .2508 .2500 .5000
MSTR SERV FEE .0786 .0300 .0800
ALL EXP .0000 .0000 .0000
MISC EXP .0000 .0000 .0000
SPREAD .0000 .0000 .0000
STRIP 1.0085 .0000 2.5450
TOTAL NUMBER OF LOANS: 1511
TOTAL BALANCE........: 217,106,728.72
***************************
* END OF REPORT *
***************************
1
RUN ON : 04/20/00 RFC DISCLOSURE SYSTEM RFFSD177-01
AT : 12.52.37 FIXED RATE LOAN LISTING AMORTIZED BALANCE
SERIES : 2000-QS5 CUTOFF : 04/01/00
POOL : 0004438
:
:
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 #
______________________________________________________________________________
1862556 229/G02 F 100,500.00 ZZ
360 99,517.68 1
332 WEST 160 SOUTH 7.500 702.72 78
7.250 702.72 130,000.00
PIMA AZ 85543 2 04/26/99 00
0431355882 05 06/01/99 0
16518052 O 05/01/29
0
1939988 560/560 F 504,000.00 ZZ
360 501,431.75 1
3811 MERIDIAN ROAD 8.375 3,830.77 80
8.125 3,830.77 630,000.00
OKEMOS MI 48864 1 07/20/99 00
122319106 05 09/01/99 0
122319106 O 08/01/29
0
1949534 L98/G02 F 133,000.00 ZZ
360 132,427.61 2
1067 & 1069 N 5TH STREET 7.750 952.83 45
7.500 952.83 297,000.00
SAN JOSE CA 95112 5 09/23/99 00
0431893064 05 11/01/99 0
X O 10/01/29
0
1951793 E45/G02 F 36,000.00 ZZ
360 35,889.63 1
616 WEST LIBERTY STREET 8.750 283.21 80
8.500 283.21 45,000.00
SWAINSBORO GA 30401 5 10/25/99 00
0431592302 05 12/01/99 0
1
58524 O 11/01/29
0
1953971 Q54/G02 F 70,000.00 ZZ
360 69,967.34 3
254 PRESIDENT STREET 9.750 601.41 9
9.500 601.41 800,000.00
BROOKLYN NY 11231 5 02/04/00 00
0431825827 07 04/01/00 0
CUSIMANO N 03/01/30
0
1954775 S62/G02 F 187,100.00 ZZ
360 186,977.61 1
XXX 239TH AVENUE 8.125 1,389.21 80
7.875 1,389.21 233,900.00
ZIMMERMAN MN 55398 1 02/25/00 00
0431876960 05 04/01/00 0
15468 O 03/01/30
0
1954784 N94/G02 F 204,300.00 ZZ
360 204,300.00 1
178 MAIN STREET 9.125 1,662.25 90
8.875 1,662.25 227,000.00
WEST HARWICH MA 02671 1 03/24/00 11
0431935956 05 05/01/00 25
1954784 O 04/01/30
0
1956387 P58/G02 F 52,000.00 ZZ
360 51,882.07 1
110 BEECHNUT COURT 8.875 413.74 80
8.625 413.74 65,000.00
LUMBERTON NJ 08060 1 11/16/99 00
0431651736 03 01/01/00 0
002990010571 O 12/01/29
0
1958171 964/G02 F 118,400.00 ZZ
360 118,138.40 1
992 TAM O'SHANTER 9.000 952.67 80
8.750 952.67 148,000.00
LAS VEGAS NV 89109 5 11/24/99 00
0431914779 09 01/01/00 0
68393 N 12/01/29
0
1
1959221 H49/G02 F 130,500.00 ZZ
360 130,320.67 2
1980-1984 YOSEMITE STREET 9.875 1,133.19 90
9.625 1,133.19 145,000.00
AURORA CO 80220 1 01/03/00 01
0431904598 05 02/01/00 25
317398306 N 01/01/30
0
1959506 L04/G02 F 107,910.00 ZZ
360 107,860.97 1
2497 GRAY STREET 9.875 937.04 90
9.625 937.04 119,900.00
EDGEWATER CO 80214 1 02/18/00 10
0431863646 05 04/01/00 25
NELSON N 03/01/30
0
1960286 H93/G02 F 60,000.00 ZZ
360 59,860.40 1
1819 BROOKLINE COURT 8.750 472.02 84
8.500 472.02 72,000.00
JEFFERSON CITY TN 37760 2 11/24/99 04
0431780154 09 01/01/00 12
9981120 O 12/01/29
0
1960402 G26/G02 F 58,500.00 ZZ
360 58,500.00 1
912 ARMSTRONG AVENUE UNIT 1-2 9.500 491.90 90
9.250 491.90 65,000.00
STATEN ISLAND NY 10308 1 03/13/00 10
0431927763 01 05/01/00 25
2856AMO N 04/01/30
0
1960963 196/G02 F 86,400.00 ZZ
360 86,321.16 3
519 TEXAS NE 9.875 750.26 90
9.625 750.26 96,000.00
ALBUQUERQUE NM 87108 1 01/14/00 01
0431872969 05 03/01/00 25
1357989 N 02/01/30
0
1960969 196/G02 F 86,400.00 ZZ
360 86,321.16 3
515 TEXAS NE 9.875 750.26 90
9.625 750.26 96,000.00
1
ALBUQUERQUE NM 87108 1 01/14/00 01
0431866441 05 03/01/00 25
1357987 N 02/01/30
0
1961823 G09/G02 F 117,700.00 ZZ
360 117,700.00 1
1302 CARR AVE 8.750 925.95 64
8.500 925.95 185,000.00
MEMPHIS TN 38104 2 03/27/00 00
0431947787 05 05/01/00 0
RHODES O 04/01/30
0
1961840 P01/G02 F 55,800.00 ZZ
360 55,771.82 2
1479-1481 RUGBY ROAD 9.375 464.12 90
9.125 464.12 62,000.00
SCHENECTADY NY 12308 1 03/01/00 04
0431884071 05 04/01/00 25
MUSCO N 03/01/30
0
1962177 B28/G02 F 162,000.00 ZZ
360 161,505.78 1
5417 IMPERIAL COURT 8.375 1,231.32 86
8.125 1,231.32 190,000.00
NORTHEAST ALBUQ NM 87111 2 11/29/99 11
0431732213 05 01/01/00 25
05991577B O 12/01/29
0
1962355 T39/G02 F 84,000.00 ZZ
360 83,954.12 3
4518 19TH AVENUE SOUTHEAST 9.000 675.88 68
8.750 675.88 125,000.00
LACEY WA 98503 5 02/17/00 00
0431898923 05 04/01/00 0
990619 O 03/01/30
0
1962803 N24/G02 F 400,000.00 ZZ
360 399,488.11 1
1473 EAST 250 NORTH 8.250 3,005.07 28
8.000 3,005.07 1,450,000.00
BOUNTIFUL UT 84010 5 01/10/00 00
0431846773 05 03/01/00 0
1962803 O 02/01/30
0
1
1962820 683/G02 F 133,650.00 ZZ
360 133,577.00 1
137 HIGHLAND STREET 9.000 1,075.38 90
8.750 1,075.38 148,500.00
HUDSON NH 03051 1 02/11/00 14
0431874734 05 04/01/00 25
018176 O 03/01/30
0
1963039 B35/G02 F 224,000.00 ZZ
360 223,392.74 1
929 MANDERIN ISLE 8.000 1,643.64 80
7.750 1,643.64 280,000.00
FT LAUDERDALE FL 33315 1 12/02/99 00
0431751056 05 01/01/00 0
99004116 O 12/01/29
0
1963515 G34/G02 F 185,000.00 ZZ
360 184,678.34 1
6333 EVERITT ROAD NORTHWEST 8.750 1,455.40 79
8.500 1,455.40 235,000.00
ALBUQUERQUE NM 87120 2 12/08/99 00
0431755537 05 02/01/00 0
88050390 O 01/01/30
0
1963980 687/G02 F 165,000.00 ZZ
360 164,909.87 1
4800 MOUNTAIN POINT LANE 9.000 1,327.63 60
8.750 1,327.63 275,000.00
CHARLOTTE NC 28212 1 02/10/00 00
0431871268 05 04/01/00 0
0000 O 03/01/30
0
1964061 E86/G02 F 144,900.00 ZZ
360 144,684.48 1
27 HENDERSON PLACE 9.500 1,218.40 90
9.250 1,218.40 161,000.00
BRENTWOOD NY 11717 1 12/28/99 10
0431754043 05 02/01/00 25
55999 N 01/01/30
0
1964320 687/G02 F 30,500.00 ZZ
360 30,486.14 1
1
2438C EAST AVE 9.875 264.85 90
9.625 264.85 33,900.00
ROCHESTER NY 14610 1 02/24/00 10
0431891431 01 04/01/00 25
3Q1489 O 03/01/30
0
1964638 S61/G02 F 150,000.00 ZZ
360 149,859.47 1
LOT 5 OLD TURNPIKE ROAD 9.750 1,288.73 90
9.500 1,288.73 167,691.00
OAKHAM MA 01068 5 02/05/00 10
0431904127 05 03/07/00 25
NC0020001 N 02/07/30
0
1964643 N46/G02 F 62,700.00 ZZ
360 62,636.42 1
19325 SOUTH MAIN STREET 9.375 521.51 90
9.125 521.51 69,707.00
CORNELIUS NC 28031 1 02/01/00 10
0431851690 05 03/01/00 25
4503413 O 02/01/30
0
1965153 P38/G02 F 78,400.00 ZZ
360 78,328.46 4
1552 WEST MCDOWELL ROAD 9.875 680.79 80
9.625 680.79 98,000.00
PHOENIX AZ 85007 1 01/28/00 00
0431860634 05 03/01/00 0
0DC003 N 02/01/30
0
1965473 P38/G02 F 73,600.00 ZZ
360 73,532.84 4
1546 WEST MCDOWELL ROAD 9.875 639.11 80
9.625 639.11 92,000.00
PHOENIX AZ 85007 1 01/28/00 00
0431923432 05 03/01/00 0
0DC004 N 02/01/30
0
1965638 738/G02 F 239,500.00 ZZ
360 238,991.40 1
1347 S EDGEWATER DRIVE 8.250 1,799.29 34
8.000 1,799.29 716,000.00
CHARLESTON SC 29407 5 01/18/00 00
0431802420 05 03/01/00 0
1
5298688 O 02/01/30
0
1965957 964/G02 F 129,600.00 ZZ
360 129,386.03 4
200 NORTH 14TH STREET 9.000 1,042.79 80
8.750 1,042.79 162,000.00
LAS VEGAS NV 89101 1 12/29/99 00
0431777887 05 02/01/00 0
69085 N 01/01/30
0
1965984 F28/G02 F 425,500.00 ZZ
360 424,180.69 4
79 KIRKLAND STREET 9.000 3,423.67 59
8.750 3,423.67 725,500.00
CAMBRIDGE MA 02138 1 11/30/99 00
0431774777 05 01/01/00 0
5232939 O 12/01/29
0
1966385 962/G02 F 65,450.00 ZZ
360 65,450.00 1
75 CUSTER DRIVE 8.500 503.26 85
8.250 503.26 77,000.00
LINCOLN ND 58504 5 03/07/00 04
0431918119 05 05/01/00 25
1966385 O 04/01/30
0
1966606 L55/G02 F 141,300.00 ZZ
360 141,300.00 2
520 BEACH 66TH STREET 9.625 1,201.04 90
9.375 1,201.04 157,000.00
ARVERNE NY 11692 1 03/21/00 10
0431924018 05 05/01/00 25
396069 N 04/01/30
0
1966759 P34/G02 F 63,900.00 ZZ
360 63,535.25 4
112-116 COWDEN STREET 9.750 549.00 90
9.500 549.00 71,000.00
CENTRAL FALLS RI 02863 2 01/31/00 01
0431899228 05 03/01/00 25
61326 N 02/01/30
0
1
1966834 K15/G02 F 144,000.00 ZZ
360 143,785.82 4
1320 DESERET AVENUE 9.500 1,210.83 80
9.250 1,210.83 180,000.00
BARSTOW CA 92311 1 12/14/99 00
0431895267 05 02/01/00 0
3006380 N 01/01/30
0
1967292 163/G02 F 126,000.00 ZZ
360 125,797.31 4
113 119 RIVER STREET 9.125 1,025.18 70
8.875 1,025.18 180,000.00
DORCHESTER MA 02126 5 12/17/99 00
0431803444 05 02/01/00 0
1000140293 N 01/01/30
0
1967548 286/286 F 148,000.00 ZZ
360 147,768.04 4
10807 NORTH 15TH LANE 9.250 1,217.56 80
9.000 1,217.56 185,000.00
PHOENIX AZ 85029 2 12/21/99 00
09693879 09 02/01/00 0
09693879 N 01/01/30
0
1967702 286/286 F 425,000.00 ZZ
360 423,843.49 1
526 CHINO CHINO CANYON ROAD 8.875 3,381.49 48
8.625 3,381.49 900,000.00
PALM SPRINGS CA 92262 5 11/02/99 00
08939966 05 01/01/00 0
08939966 O 12/01/29
0
1967725 286/286 F 28,350.00 ZZ
360 28,292.06 2
235 BLAKE STREET 9.375 235.80 90
9.125 235.80 31,500.00
LEWISTON ME 04240 1 11/10/99 10
08926834 05 01/01/00 25
08926834 N 12/01/29
0
1967786 286/286 F 360,000.00 ZZ
360 358,753.59 1
10330 LOCKWOOD DRIVE 8.625 2,800.04 38
8.375 2,800.04 960,000.00
1
CUPERTINO CA 95014 1 11/30/99 00
09687332 05 02/01/00 0
09687332 N 01/01/30
0
1967814 286/286 F 50,000.00 ZZ
360 49,925.62 3
4076 4078 & 4080 IOWA STREET 9.500 420.43 21
9.250 420.43 240,000.00
SAN DIEGO CA 92104 5 12/28/99 00
09695222 05 02/01/00 0
09695222 N 01/01/30
0
1968367 225/225 F 111,900.00 ZZ
360 111,518.49 1
255 8TH STREET UNIT 4R 8.875 890.33 80
8.625 890.33 139,900.00
JERSEY CITY NJ 07302 1 11/03/99 00
7159977 01 12/01/99 0
7159977 O 11/01/29
0
1968458 K15/G02 F 66,400.00 ZZ
360 66,357.65 1
527 NW 36TH TERRACE 8.250 498.85 80
8.000 498.85 83,000.00
GAINESVILLE FL 32607 1 02/15/00 00
0431905918 05 04/01/00 0
3012944 N 03/01/30
0
1968496 416/G02 F 50,000.00 ZZ
360 49,976.67 1
2944 IMPRESSIONS DRIVE 9.750 429.58 47
9.500 429.58 108,260.00
LAKE IN THE HIL IL 60102 1 02/24/00 00
0431881374 09 04/01/00 0
642142 O 03/01/30
0
1968625 313/G02 F 117,000.00 ZZ
360 116,942.45 1
3506 N ELDER LANE 9.500 983.80 67
9.250 983.80 177,000.00
FRANKLIN PARK IL 60131 1 02/29/00 00
0431896216 05 04/01/00 0
0006831507 O 03/01/30
0
1
1968932 R13/R13 F 111,900.00 ZZ
360 111,830.44 1
10508 59TH DR NE 8.375 850.53 80
8.125 850.53 140,000.00
MARYSVILLE WA 98271 1 02/11/00 00
0431878834 05 04/01/00 0
0000 O 03/01/30
0
1969047 B49/G02 F 111,550.00 ZZ
360 111,550.00 1
1060 OPAL STREET #102 8.750 877.57 80
8.500 877.57 139,450.00
BROOMFIELD CO 80020 1 03/15/00 00
0431908284 09 05/01/00 0
0390655 O 04/01/30
0
1969413 B93/G02 F 369,000.00 ZZ
360 368,573.85 1
12775 N 58TH AVENUE 8.750 2,902.93 90
8.500 2,902.93 410,000.00
GLENDALE AZ 85304 2 01/26/00 01
0431822394 03 03/01/00 25
1000019024 O 02/01/30
0
1969417 E47/G02 F 166,600.00 ZZ
360 166,412.53 1
7 ELK PATH 8.875 1,325.54 70
8.625 1,325.54 238,000.00
MANITOU SPRINGS CO 80829 5 01/27/00 00
0431816149 05 03/01/00 0
DEN13708 N 02/01/30
0
1969443 K15/G02 F 85,900.00 ZZ
360 85,821.63 1
3722 ROBINSON ROAD 9.875 745.91 90
9.625 745.91 95,500.00
NEWTON NC 28658 5 01/21/00 10
0431818061 05 03/01/00 12
017405300882 O 02/01/30
0
1969458 K15/G02 F 110,100.00 ZZ
360 109,999.55 1
1
290 WEST PORTLAND AVENUE 9.875 956.05 95
9.625 956.05 116,000.00
FRESNO CA 93711 5 01/26/00 10
0431824952 05 03/01/00 30
038305300568 O 02/01/30
0
1969459 K15/G02 F 116,300.00 ZZ
360 116,233.09 1
48 FOCH ST 8.750 914.93 85
8.500 914.93 137,000.00
MANCHESTER NH 03102 5 01/28/00 23
0431823012 05 04/01/00 0
03340005301143 O 03/01/30
0
1969466 742/G02 F 60,300.00 ZZ
360 60,268.74 2
457 HUDSON AVENUE 9.250 496.07 90
9.000 496.07 67,000.00
ALBANY NY 12203 1 02/28/00 14
0431901396 05 04/01/00 25
6017487 N 03/01/30
0
1969595 M65/G02 F 236,550.00 ZZ
360 236,550.00 4
1550 BRYANT AVENUE 9.500 1,989.04 95
9.250 1,989.04 249,000.00
BRONX NY 10460 1 03/14/00 01
0431913235 05 05/01/00 30
2419 O 04/01/30
0
1969596 N66/G02 F 175,000.00 ZZ
360 175,000.00 1
PLAYHOUSE LANE 9.125 1,423.86 67
8.875 1,423.86 262,000.00
DORSET VT 05251 1 03/10/00 00
0431893262 05 05/01/00 0
00M0013 O 04/01/30
0
1969650 683/G02 F 86,250.00 ZZ
360 86,210.82 2
90-91 HAROLD STREET 9.875 748.95 75
9.625 748.95 115,600.00
MANCHESTER NH 03104 1 02/18/00 00
0431914845 05 04/01/00 0
1
018228 N 03/01/30
0
1969782 N11/G02 F 43,200.00 ZZ
360 43,160.58 1
765 COLLEGE STREET 9.875 375.13 80
9.625 375.13 54,000.00
BLOUNTSVILLE AL 35031 5 02/18/00 00
0431890508 05 03/18/00 0
BROOKS N 02/18/30
0
1970296 227/G02 F 46,170.00 ZZ
360 46,149.02 3
1210 18TH STREET 9.875 400.92 90
9.625 400.92 51,300.00
BAY CITY MI 48708 1 02/25/00 14
0431884873 05 04/01/00 25
1862779 N 03/01/30
0
1970297 687/G02 F 29,500.00 ZZ
360 29,486.60 1
5705 80TH STREET NORTH 9.875 256.16 80
UNIT 207 9.625 256.16 36,900.00
SAINT PETERSBUR FL 33709 1 02/22/00 00
0431891423 01 04/01/00 0
1270058 O 03/01/30
0
1970463 286/286 F 85,500.00 ZZ
360 85,421.98 3
64-66 HANMER STREET 9.875 742.44 95
9.625 742.44 90,000.00
EAST HARTFORD CT 06108 1 01/10/00 14
8933552 05 03/01/00 30
8933552 O 02/01/30
0
1970489 286/286 F 172,350.00 ZZ
360 172,170.61 4
114 HOWARD DRIVE 9.250 1,417.88 77
9.000 1,417.88 225,000.00
CHARLOTTESVILLE VA 22901 1 01/27/00 00
08939604 05 03/01/00 0
08939604 N 02/01/30
0
1
1970547 286/286 F 64,000.00 ZZ
360 63,927.98 1
1175 SARATOGA AVENUE 8.875 509.21 59
8.625 509.21 109,900.00
VENTURA CA 93003 1 01/12/00 00
9697042 01 03/01/00 0
9697042 N 02/01/30
0
1970697 227/G02 F 63,000.00 ZZ
360 62,969.81 1
838 MAIN SAIL COURT 9.625 535.50 65
9.375 535.50 98,000.00
GARDEN CITY SC 29576 2 02/28/00 00
0431898881 03 04/01/00 0
1775285 N 03/01/30
0
1970726 N94/G02 F 98,100.00 ZZ
360 98,055.43 4
36-38 SPRINGFIELD STREET 9.875 851.85 90
9.625 851.85 109,000.00
LAWRENCE MA 01843 1 02/29/00 01
0431888692 05 04/01/00 25
1970726 O 03/01/30
0
1970729 K15/G02 F 140,000.00 ZZ
360 139,762.81 1
7808 VISTA MONTAN DRIVE 8.875 1,113.90 56
8.625 1,113.90 250,000.00
SAN ANTONIO TX 78256 5 12/23/99 00
0431840032 05 02/01/00 0
3006357 O 01/01/30
0
1970948 H76/G02 F 260,000.00 ZZ
360 259,854.24 1
1 TURNBERRY DRIVE 8.875 2,068.68 80
8.625 2,068.68 325,000.00
CUMBERLAND ME 04021 5 02/24/00 00
0431888239 05 04/01/00 0
COOK O 03/01/30
0
1971005 J74/G02 F 66,150.00 ZZ
360 66,119.95 2
695 CURTIS DRIVE 9.875 574.41 90
9.625 574.41 73,500.00
1
OPA LOCKA FL 33054 1 02/08/00 11
0431846682 05 04/01/00 25
000023W N 03/01/30
0
1971016 S05/G02 F 82,000.00 ZZ
360 81,960.71 1
6142 IROQUOIS ROAD 9.625 697.00 37
9.375 697.00 225,000.00
WESTMINSTER CA 92683 5 02/22/00 00
0431875277 05 04/01/00 0
M0800203000 O 03/01/30
0
1971181 S54/G02 F 68,000.00 ZZ
360 68,000.00 1
202 EAST MAIN STREET 9.500 571.78 80
9.250 571.78 85,000.00
PITTSBORO IN 46167 5 03/10/00 00
0431921881 05 05/01/00 0
AGAL O 04/01/30
0
1971197 229/G02 F 49,500.00 ZZ
360 49,472.96 1
26 MISSION WOOD WAY 9.000 398.29 90
8.750 398.29 55,000.00
REISTERSTOWN MD 21136 1 02/18/00 12
0431889633 01 04/01/00 25
17253808 N 03/01/30
0
1971200 253/253 F 130,000.00 ZZ
360 129,921.24 1
2410 BUGTUSSIE ROAD 8.500 999.59 79
8.250 999.59 165,000.00
WEST TX 76691 2 02/23/00 00
949068 05 04/01/00 0
949068 O 03/01/30
0
1971202 742/G02 F 49,500.00 ZZ
360 49,474.34 2
545 WASHINGTON AVENUE 9.250 407.22 90
9.000 407.22 55,000.00
ALBANY NY 12205 1 02/28/00 14
0431897321 05 04/01/00 25
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61344 N 03/01/30
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COLUMBIA SC 29209 1 02/11/00 14
0431876101 05 04/01/00 25
1215 N 03/01/30
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1972066 K15/G02 F 265,500.00 ZZ
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GLENDALE CA 91201 1 01/03/00 11
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3007288 O 02/01/30
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1972072 K15/G02 F 64,300.00 ZZ
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0431855626 05 04/01/00 25
007205300727 O 03/01/30
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032605300452 O 03/01/30
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1972130 K15/G02 F 176,300.00 ZZ
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POMFRET CT 06259 5 02/07/00 10
0431886548 05 04/01/00 25
037905300642 O 03/01/30
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0431855451 05 04/01/00 30
029505300543 O 03/01/30
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1972419 964/G02 F 276,250.00 ZZ
360 276,102.99 1
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COLFAX CA 95713 1 01/31/00 04
0431870716 05 04/01/00 12
69333 O 03/01/30
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1972424 637/G02 F 55,800.00 ZZ
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PHOENIX AZ 85008 1 02/09/00 01
0431860303 05 04/01/00 25
3012073 N 03/01/30
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1
1972535 S07/G02 F 237,510.00 ZZ
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DENVER CO 80204 1 02/28/00 14
0431919034 05 04/01/00 25
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WASHINGTON DC 20003 1 02/29/00 00
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1972540 O 03/01/30
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PHOENIX AZ 85006 1 03/03/00 01
0431902543 05 05/01/00 25
MARQUEZ N 04/01/30
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1972565 P79/G02 F 105,000.00 ZZ
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0001235949 O 02/01/30
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1972678 K15/G02 F 83,700.00 ZZ
360 83,612.88 1
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LITHONIA GA 30058 1 01/25/00 01
0431866243 05 03/01/00 25
3011059 N 02/01/30
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1972693 K15/G02 F 209,000.00 ZZ
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OAKLAND CA 94601 5 02/11/00 01
0431865948 05 04/01/00 30
3011711 O 03/01/30
0
1972755 H49/G02 F 63,000.00 ZZ
360 63,000.00 4
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HARVEY LA 70058 1 03/10/00 12
0431921824 05 05/01/00 25
318454501 N 04/01/30
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1972756 A46/G02 F 40,500.00 ZZ
360 40,481.10 1
3721 WINDS WEST COURT 9.750 347.96 90
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OKLAHOMA CITY OK 73179 1 02/17/00 01
0431865815 05 04/01/00 25
0926720 N 03/01/30
0
1972772 E23/G02 F 97,200.00 ZZ
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LOS ANGELES CA 90059 1 02/18/00 04
0431865849 05 04/01/00 25
50508197 N 03/01/30
0
1972780 M65/G02 F 229,500.00 ZZ
360 229,500.00 2
1847 MULINER AVENUE 8.875 1,826.01 90
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BRONX NY 10462 1 03/16/00 12
0431919828 05 05/01/00 25
1
2428 O 04/01/30
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1972829 K81/G02 F 105,000.00 ZZ
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2500124 O 03/01/30
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1972884 Q14/G02 F 32,000.00 ZZ
360 31,985.85 1
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KANSAS CITY MO 64132 1 03/02/00 00
0431915115 05 04/02/00 0
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1972888 Q14/G02 F 36,800.00 ZZ
360 36,783.72 1
4021 EAST 68TH STREET 10.000 322.95 80
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KANSAS CITY MO 64132 1 03/02/00 00
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1972892 Q14/G02 F 44,000.00 ZZ
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KANSAS CITY MO 64130 1 03/02/00 00
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1972897 Q14/G02 F 31,200.00 ZZ
360 31,186.20 1
3601 BENTON BOULEVARD 10.000 273.80 80
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KANSAS CITY MO 64128 1 03/02/00 00
0431915131 05 04/02/00 0
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1
1972904 P79/G02 F 135,000.00 ZZ
360 135,000.00 2
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MIAMI FL 33133 1 03/07/00 00
0431898360 05 05/01/00 0
1972904 O 04/01/30
0
1972911 Q49/G02 F 93,600.00 ZZ
360 93,600.00 1
3113 BUCKINGHAM 8.750 736.36 80
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BERKLEY MI 48072 2 03/02/00 00
0431892397 05 05/01/00 0
1307 O 04/01/30
0
1972965 637/G02 F 210,000.00 ZZ
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5616 ROCKEFELLER AVENUE 8.875 1,670.86 70
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EVERETT WA 98203 5 02/02/00 00
0431866904 05 04/01/00 0
0017887548 O 03/01/30
0
1972991 637/G02 F 62,550.00 ZZ
360 62,518.41 1
2600 BELLEFONTAINE #D 26 9.375 520.26 90
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HOUSTON TX 77025 1 02/04/00 11
0431867480 01 04/01/00 25
017629247 O 03/01/30
0
1973030 420/G02 F 158,400.00 ZZ
360 158,311.19 1
1640 JAMES STREET 8.875 1,260.31 80
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UKIAH CA 95482 1 02/07/00 00
0431869924 05 04/01/00 0
0000442657 O 03/01/30
0
1973058 H37/G02 F 65,250.00 ZZ
360 65,250.00 1
150 PARKER ROAD 8.875 519.16 90
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1
WENTWORTH TWP.( NC 27288 1 03/20/00 01
0431931443 05 05/01/00 25
00225398 N 04/01/30
0
1973059 T44/G02 F 125,000.00 ZZ
360 124,926.20 1
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LAS VEGAS NV 89123 5 02/15/00 00
0431872134 05 04/01/00 0
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0
1973071 Q11/G02 F 68,400.00 ZZ
360 68,332.43 1
6711 W KENDALL DRIVE #505 9.500 575.15 90
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PINECREST FL 33156 1 01/24/00 01
0431870435 01 03/01/00 25
9912002901 N 02/01/30
0
1973081 Q14/G02 F 64,300.00 ZZ
360 64,263.95 1
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PHOENIX AZ 85033 5 02/29/00 01
0431896190 05 04/01/00 12
0000352 O 03/01/30
0
1973132 624/G02 F 196,000.00 ZZ
360 195,890.12 2
415 ERNA AVENUE #A & B 8.875 1,559.46 80
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LA HABRA CA 90631 2 02/09/00 00
0431870351 05 04/01/00 0
34073290803F O 03/01/30
0
1973188 637/G02 F 68,600.00 ZZ
360 68,522.78 1
4371 SYMCO AVENUE 8.875 545.82 70
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NORTH PORT FL 34286 1 01/28/00 00
0431871888 03 03/01/00 0
0019159342 O 02/01/30
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1
1973197 637/G02 F 127,000.00 ZZ
360 126,845.58 1
2005 ESTATE COURT 8.500 976.52 80
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WOODSTOCK GA 30188 2 01/27/00 00
0431870302 05 03/01/00 0
0012063350 O 02/01/30
0
1973238 R86/G02 F 35,600.00 ZZ
360 35,545.65 1
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PHOENIX AZ 85009 1 02/29/00 00
0431892447 05 04/01/00 0
000191 N 03/01/30
0
1973257 R59/G02 F 64,741.00 ZZ
360 64,659.32 1
1506 S KEELER AVE 8.375 492.08 79
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CHICAGO IL 60623 5 01/31/00 00
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16592 O 02/04/30
0
1973259 931/G02 F 33,750.00 ZZ
360 33,750.00 1
237 HIGHPATH ROAD 9.875 293.07 90
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WINDSOR CT 06095 1 03/13/00 14
0431921063 01 05/01/00 25
048980 O 04/01/30
0
1973265 T08/G02 F 65,250.00 ZZ
360 65,213.42 1
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LONGWOOD FL 32779 1 02/11/00 00
0431871169 09 04/01/00 0
11015596 O 03/01/30
0
1973294 K15/G02 F 287,250.00 ZZ
360 287,084.73 1
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1165 BELLINGHAM DRIVE 8.750 2,259.80 75
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SAN JOSE CA 95121 5 02/14/00 00
0431871680 05 04/01/00 0
3008863 O 03/01/30
0
1973302 K15/G02 F 57,500.00 T
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APACHE JUNCTION AZ 85220 1 02/02/00 00
0431880566 05 04/01/00 0
3013053 O 03/01/30
0
1973309 K15/G02 F 105,400.00 ZZ
360 105,353.37 1
2104 13TH STREET 10.000 924.96 95
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MOLINE IL 61265 5 02/22/00 10
0431877570 05 04/01/00 25
029405300582 O 03/01/30
0
1973314 K15/G02 F 151,800.00 ZZ
360 151,723.34 1
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0431872746 05 04/01/00 30
037905300679 O 03/01/30
0
1973318 K15/G02 F 224,900.00 ZZ
360 224,797.82 1
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0431872738 05 04/01/00 25
000305300480 O 03/01/30
0
1973320 H93/G02 F 114,300.00 ZZ
360 114,248.07 4
2366 LASANTAVILLE 9.875 992.52 90
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CINCINNATI OH 45237 1 02/09/00 04
0431873637 05 04/01/00 25
1
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0
1973344 R61/G02 F 71,060.00 ZZ
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0431872654 01 04/01/00 30
11960 O 03/01/30
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1973384 L20/G02 F 78,650.00 ZZ
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OGDEN UT 84401 5 02/14/00 00
0431899376 05 04/01/00 0
441026 N 03/01/30
0
1973408 M76/G02 F 80,000.00 ZZ
360 80,000.00 1
6957 E CALLE CANIS 9.625 679.99 80
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TUCSON AZ 85710 1 03/09/00 00
0431913417 05 05/01/00 0
000537 N 04/01/30
0
1973500 M18/G02 F 42,300.00 ZZ
360 42,300.00 2
1117 W HAYS 8.500 325.25 90
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BANNING CA 92220 1 03/02/00 04
0431931336 05 05/01/00 25
980100767 N 04/01/30
0
1973519 N20/G02 F 63,000.00 ZZ
360 63,000.00 1
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WEST JORDAN UT 84084 1 03/10/00 12
0431919315 07 05/01/00 25
KENNINGTON N 04/01/30
0
1
1973567 950/G02 F 65,000.00 ZZ
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SEATTLE WA 98126 5 02/10/00 00
0431875590 05 04/01/00 0
500000125016 O 03/01/30
0
1973571 573/G02 F 220,500.00 ZZ
360 220,394.36 4
8635 DENVER AVENUE 9.625 1,874.23 90
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LOS ANGELES CA 90044 1 02/10/00 14
0431875293 05 04/01/00 25
5700058 N 03/01/30
0
1973626 A33/G02 F 18,900.00 ZZ
360 18,900.00 1
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FORT WAYNE IN 46806 1 03/09/00 10
0431917608 05 05/01/00 25
009085189 N 04/01/30
0
1973630 H76/G02 F 194,000.00 ZZ
360 194,000.00 2
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0431901073 05 05/01/00 0
2000337432 O 04/01/30
0
1973675 E11/G02 F 180,750.00 ZZ
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BLOOMINGTON MN 55431 5 02/23/00 00
0431897578 05 04/01/00 0
0003001020525 N 03/01/30
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1973694 N24/G02 F 96,000.00 ZZ
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CASTLE ROCK CO 80104 5 02/21/00 00
0431884865 05 04/01/00 0
0394861 O 03/01/30
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1973719 637/G02 F 202,500.00 ZZ
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849 SCHUMAN PLACE 9.375 1,684.30 75
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0431877588 05 04/01/00 0
0018766600 O 03/01/30
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1973722 P63/G02 F 181,000.00 ZZ
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BRONX NY 10466 2 03/08/00 00
0431908946 05 05/01/00 0
1973722 O 04/01/30
0
1973732 313/G02 F 49,650.00 ZZ
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MESA AZ 85210 1 03/08/00 04
0431915412 01 05/01/00 30
0006902993 O 04/01/30
0
1973739 163/G02 F 128,000.00 ZZ
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0
1973742 K15/G02 F 101,600.00 ZZ
360 101,540.02 1
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0431878024 05 04/01/00 0
023605300894 O 03/01/30
0
1
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0431878073 05 04/01/00 17
029705300519 O 03/01/30
0
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0431878222 05 04/01/00 12
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1973760 K15/G02 F 133,900.00 ZZ
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LEXINGTON MN 55014 1 02/28/00 01
0431888007 05 04/01/00 25
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1973854 Q69/G02 F 119,200.00 ZZ
360 119,131.42 1
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0431878610 05 04/01/00 25
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1973940 S22/G02 F 63,900.00 ZZ
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201078P N 03/01/30
0
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0431879972 05 04/01/00 25
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1973957 025/025 F 232,000.00 ZZ
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3312 BRENTWOOD COURT 9.750 1,993.24 80
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1973961 R19/G02 F 111,850.00 ZZ
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METHUEN MA 01844 1 03/28/00 00
0431946128 01 05/01/00 0
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1
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360 87,749.64 1
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0021922232 O 11/01/29
0
1973963 025/025 F 183,200.00 ZZ
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PARRISH FL 34219 1 10/29/99 96
447991 03 12/01/99 0
447991 O 12/01/28
0
1973967 025/025 F 80,100.00 ZZ
360 79,890.30 1
193 BAYSIDE DRIVE 9.000 644.50 61
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PALM COAST FL 32137 2 11/10/99 00
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1973972 025/025 F 168,000.00 ZZ
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ALPHARETTA GA 30022 1 10/28/99 00
0021017579 03 12/01/99 0
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0
1973973 025/025 F 60,000.00 ZZ
360 59,143.10 1
1
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7.625 435.04 146,600.00
WEST PALM BEACH FL 33411 1 08/07/98 00
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0
1973974 025/025 F 95,000.00 ZZ
360 92,914.85 1
1770 LOCH LOMOND TRAIL 8.375 722.07 61
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ATLANTA GA 30331 5 09/29/99 00
0020110169 05 12/01/99 0
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0
1973976 025/025 F 95,000.00 ZZ
360 94,810.85 1
4176 WAIKIKI DRIVE 9.500 798.81 74
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SARASOTA FL 34241 1 11/08/99 00
0020803201 03 01/01/00 0
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0
1973978 Q83/G02 F 59,200.00 ZZ
360 59,167.66 1
3910 CARRIE AVENUE 9.000 476.34 80
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0431889609 05 04/01/00 0
0020346 N 03/01/30
0
1973982 025/025 F 107,200.00 ZZ
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VALRICO FL 33594 1 12/09/99 00
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0
1973987 025/025 F 82,800.00 ZZ
360 82,401.51 1
3199 HIGHLAND DRIVE 9.250 681.18 90
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SMYRNA GA 30080 1 06/30/99 96
85198 05 08/01/99 0
1
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0
1973988 025/025 F 87,400.00 ZZ
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MARIETTA GA 30067 1 10/18/99 96
0021777909 05 12/01/99 0
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0
1973991 025/025 F 128,900.00 ZZ
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VALRICO FL 33594 1 10/29/99 00
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0
1973995 025/025 F 70,500.00 ZZ
360 70,000.27 1
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SARASOTA FL 34239 5 05/19/99 00
173315 05 07/01/99 0
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0
1974001 M47/G02 F 107,100.00 ZZ
360 107,041.50 1
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LAS VEGAS NV 89123 1 02/22/00 04
0431889526 03 04/01/00 25
0393769 N 03/01/30
0
1974003 025/025 F 95,400.00 ZZ
360 95,097.48 1
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LAWRENCEVILLE GA 30043 1 09/23/99 96
9024910259 05 11/01/99 0
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0
1
1974010 025/025 F 100,000.00 ZZ
300 99,120.74 1
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EUFAULA AL 36027 5 06/25/99 00
0021759139 05 08/01/99 0
0021759139 O 07/01/24
0
1974017 025/025 F 64,250.00 ZZ
360 63,066.94 1
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JONESBORO GA 30238 1 09/28/99 96
0021775358 05 11/01/99 0
0021775358 N 10/01/29
0
1974020 025/025 F 110,700.00 ZZ
360 110,210.57 1
6872 HWY 127 SOUTH 10.500 1,012.62 86
10.250 1,012.62 130,000.00
CROSSVILLE TN 38555 1 09/08/99 96
0021766647 05 11/01/99 0
0021766647 O 10/01/29
0
1974022 025/025 F 150,000.00 ZZ
360 148,894.42 1
3047 LENOX ROAD #1108 7.125 1,010.58 60
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1974026 025/025 F 129,900.00 ZZ
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0
1974027 025/025 F 70,000.00 ZZ
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SAVANNAH GA 31405 5 12/20/99 00
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GAINESVILLE GA 30504 1 05/28/99 00
788073 05 07/01/99 0
788073 O 06/01/29
0
1974029 025/025 F 108,000.00 ZZ
360 107,708.24 1
4915 BONITO DRIVE 9.125 878.72 80
8.875 878.72 135,000.00
NEW PORT RICHEY FL 34652 1 10/04/99 00
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0
1974033 025/025 F 100,000.00 ZZ
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0
1974034 025/025 F 650,000.00 ZZ
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0004649448 03 12/01/99 0
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0
1974037 025/025 F 67,217.00 ZZ
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NEW PORT RICHEY FL 34654 1 09/30/99 00
0021580667 03 11/01/99 0
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0
1
1974043 025/025 F 76,000.00 ZZ
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JOHNSON CITY TN 37601 1 09/23/99 00
0021815311 05 11/01/99 0
0021815311 O 10/01/29
0
1974046 025/025 F 50,000.00 ZZ
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0
1974047 025/025 F 93,250.00 ZZ
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0021023205 05 02/01/00 0
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1974053 025/025 F 77,700.00 ZZ
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0
1974054 025/025 F 95,500.00 ZZ
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1
1710 INDIANA AVENUE 9.750 820.49 69
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PALM HARBOR FL 34683 1 12/10/99 00
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1974055 025/025 F 99,000.00 ZZ
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11619 BOWSBY COURT 10.625 914.86 90
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CHARLOTTE NC 28215 1 08/13/99 96
20766580 05 10/01/99 0
20766580 N 09/01/29
0
1974062 025/025 F 66,000.00 ZZ
360 65,797.25 1
628 MILLER CIRCLE 8.500 507.48 53
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SEYMOUR TN 37865 1 10/29/99 00
0020597662 05 12/01/99 0
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0
1974065 025/025 F 120,000.00 ZZ
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9 PIONEER TRAIL 9.625 1,032.74 90
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MARIETTA GA 30068 1 09/22/99 96
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LONGWOOD FL 32779 1 10/29/99 96
0021839907 05 12/01/99 0
1
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0431878958 05 04/01/00 0
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0
1974079 025/025 F 100,000.00 ZZ
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5119 VICTORIA COVE 8.875 795.64 50
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BRENTWOOD TN 37027 1 11/04/99 00
002149836 05 01/01/00 0
002149836 O 12/01/29
0
1974083 025/025 F 90,000.00 ZZ
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1974114 025/025 F 144,000.00 ZZ
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936981 05 06/01/99 0
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1
1974199 A26/G02 F 175,300.00 ZZ
360 175,193.80 1
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HENDERSON NV 89012 1 02/24/00 04
0431882489 05 04/01/00 25
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0
1974213 E40/G02 F 78,480.00 ZZ
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LOWELL MA 01852 1 03/01/00 04
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CRESTED BUTTE CO 81224 2 02/22/00 00
0431883693 05 04/01/00 0
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1974261 A33/G02 F 132,800.00 ZZ
360 132,727.46 1
467 PARAGON DRIVE 9.000 1,068.54 80
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TROY MI 48078 1 02/29/00 00
0431882695 05 04/01/00 0
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1974262 665/G02 F 92,000.00 ZZ
360 91,888.14 1
595 WEST DIVISION AVENUE 8.500 707.40 80
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HERMISTON OR 97838 1 01/26/00 00
0431881978 05 03/01/00 0
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1
AUSTIN TX 78753 1 02/16/00 14
948917 05 04/01/00 25
948917 N 03/01/30
0
1974269 665/G02 F 75,750.00 ZZ
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0431881671 05 04/01/00 0
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1974287 N46/G02 F 175,200.00 ZZ
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GREENSBORO NC 27407 5 02/22/00 00
0431883354 05 04/01/00 0
510725 O 03/01/30
0
1974289 K45/G02 F 19,950.00 ZZ
360 19,950.00 1
6901 WEST MONTEROSA #1245 9.875 173.24 95
9.625 173.24 21,000.00
PHOENIX AZ 85033 1 03/09/00 01
0431930544 09 05/01/00 35
GOMAN O 04/01/30
0
1974314 758/G02 F 70,200.00 ZZ
360 70,200.00 1
2414 PECAN RIDGE 9.000 564.85 90
8.750 564.85 78,000.00
BRYAN TX 77802 1 03/06/00 11
0431917426 05 05/01/00 25
0397190 N 04/01/30
0
1974333 S06/G02 F 40,350.00 ZZ
360 40,331.67 1
3100 SOUTH FEDERAL BLVD #313 9.875 350.38 86
9.625 350.38 47,000.00
DENVER CO 80236 1 02/25/00 04
0431891522 01 04/01/00 30
009104563 O 03/01/30
0
1
1974374 M18/G02 F 108,000.00 ZZ
360 108,000.00 1
2613 WALNUT AVENUE 9.375 898.29 80
9.125 898.29 135,000.00
CARMICHAEL CA 95608 5 03/02/00 00
0431934876 05 05/01/00 0
XXXX O 04/01/30
0
1974414 M66/G02 F 258,000.00 ZZ
360 257,873.09 1
12 FLORENCE AVENUE 9.500 2,169.41 64
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CRESSKILL NJ 07626 5 02/14/00 00
0431881861 05 04/01/00 0
135056 O 03/01/30
0
1974428 F32/G02 F 48,750.00 ZZ
360 48,726.02 1
21 ECHOTA ROAD 9.500 409.92 65
9.250 409.92 75,000.00
CARTERSVILLE GA 30121 5 02/28/00 00
0431885151 05 04/01/00 0
406114256 N 03/01/30
0
1974439 Q99/G02 F 111,000.00 ZZ
360 110,932.76 1
1157 TUCKERTOWN 8.500 853.49 52
8.250 853.49 215,000.00
SOUTH KINGSTOWN RI 02879 5 03/10/00 00
0431910744 05 04/15/00 0
BARROWS O 03/15/30
0
1974440 964/G02 F 168,700.00 ZZ
360 168,610.22 1
705 NORTHROP AVENUE 9.125 1,372.60 90
8.875 1,372.60 187,500.00
LAS VEGAS NV 89119 1 02/24/00 12
0431889096 05 04/01/00 25
71303 N 03/01/30
0
1974447 940/G02 F 250,500.00 T
360 250,373.49 1
1
8132 B CAMINO DEL SOL 9.375 2,083.54 60
9.125 2,083.54 417,500.00
LA JOLLA CA 92037 1 02/24/00 00
0431885607 01 04/01/00 0
CP5036 O 03/01/30
0
1974453 Q48/G02 F 126,000.00 ZZ
360 126,000.00 1
16 MOUNT RUN 9.000 1,013.82 72
8.750 1,013.82 176,000.00
TINTON FALLS NJ 07753 2 03/13/00 00
0431906460 05 05/01/00 0
TOMAINO O 04/01/30
0
1974460 M05/G02 F 45,000.00 ZZ
360 45,000.00 1
18 CLEARVIEW DRIVE 9.125 366.14 90
8.875 366.14 50,000.00
MASTIC BEACH NY 11951 1 03/17/00 11
0431936145 05 05/01/00 25
SANTORO N 04/01/30
0
1974470 964/G02 F 205,000.00 ZZ
360 204,882.05 1
730 EAST CALIFORNIA STREET 8.750 1,612.74 60
8.500 1,612.74 345,000.00
JACKSONVILLE OR 97530 1 02/14/00 00
0431889476 05 04/01/00 0
71231 O 03/01/30
0
1974476 144/144 F 196,000.00 ZZ
360 195,881.26 1
LOT 1 JANSEN ROAD 8.500 1,507.07 77
8.250 1,507.07 257,000.00
PINE BUSH NY 12566 2 02/29/00 00
14064730S 05 04/01/00 0
14064730S O 03/01/30
0
1974500 H47/G02 F 152,800.00 ZZ
360 152,714.33 1
12524 VILLAGE PINES LANE 8.875 1,215.75 80
8.625 1,215.75 191,000.00
RALEIGH NC 27614 1 02/29/00 00
0431891456 03 04/01/00 0
1
220605532 O 03/01/30
0
1974512 G81/G02 F 78,750.00 ZZ
360 78,750.00 2
544 SW 7TH STREET 9.875 683.82 90
9.625 683.82 87,500.00
MIAMI FL 33130 1 03/01/00 10
0431884949 02 05/01/00 25
022002016 N 04/01/30
0
1974515 G81/G02 F 78,750.00 ZZ
360 78,750.00 2
542 SW 7TH STREET 9.875 683.82 90
9.625 683.82 87,500.00
MIAMI FL 33130 1 03/01/00 14
0431884980 05 05/01/00 25
022002015 N 04/01/30
0
1974576 J40/G02 F 90,000.00 ZZ
360 89,689.87 1
240 SWEET TREE ROAD 8.500 692.02 75
8.250 692.02 120,000.00
BROXTON GA 31519 2 01/21/00 00
0431884907 05 03/01/00 0
7662288 O 02/01/30
0
1974579 405/405 F 166,500.00 ZZ
360 166,406.66 1
9409 WILLIAM KIRK LN 8.875 1,324.75 90
8.625 1,324.75 185,000.00
BURKE VA 22015 1 02/16/00 10
16484784 03 04/01/00 25
16484784 O 03/01/30
0
1974591 N94/G02 F 99,000.00 ZZ
360 98,955.02 1
34 SPRUCE STREET 9.875 859.67 90
9.625 859.67 110,000.00
NORTH ATTLEBORO MA 02760 1 02/29/00 11
0431908003 05 04/01/00 30
0395319 N 03/01/30
0
1
1974601 L48/G02 F 81,000.00 ZZ
360 80,961.20 4
631-633 COIT AVENUE NE 9.625 688.49 90
9.375 688.49 90,000.00
GRAND RAPIDS MI 49503 1 02/28/00 10
0431885573 05 04/01/00 25
85273 N 03/01/30
0
1974605 T33/G02 F 227,050.00 ZZ
360 227,050.00 1
10618 INDIANWOODS DRIVE 9.875 1,971.59 95
9.625 1,971.59 239,000.00
CINCINNATI OH 45242 1 03/11/00 04
0431925932 05 05/01/00 30
20003069 O 04/01/30
0
1974662 F44/G02 F 93,750.00 T
360 93,703.88 1
3750 PINEBROOK CIRCLE UNIT 508 9.500 788.31 75
9.250 788.31 125,000.00
BRADENTON FL 34209 5 02/18/00 00
0431884857 08 04/01/00 0
212825 O 03/01/30
0
1974704 637/G02 F 59,600.00 ZZ
360 59,567.44 1
144 WEST WAY DRIVE 9.000 479.56 80
8.750 479.56 74,500.00
ALLEN TX 75002 1 02/08/00 00
0431886589 05 04/01/00 0
0019032283 O 03/01/30
0
1974707 665/G02 F 292,000.00 ZZ
360 291,653.96 1
691 DONALD DRIVE 8.625 2,271.15 80
8.375 2,271.15 365,000.00
HOLLISTER CA 95023 1 01/21/00 00
0431892470 03 03/01/00 0
0001236469 O 02/01/30
0
1974713 665/G02 F 218,000.00 ZZ
360 217,721.02 3
5635 PICKERING AVENUE 8.250 1,637.76 80
8.000 1,637.76 272,500.00
1
WHITTIER CA 90601 1 01/31/00 00
0431892504 05 03/01/00 0
0001235897 O 02/01/30
0
1974732 665/G02 F 86,250.00 ZZ
360 86,169.19 1
327 EAST ACACIA STREET 9.750 741.02 75
9.500 741.02 115,000.00
STOCKTON CA 95376 1 01/14/00 00
0431892702 05 03/01/00 0
9901235154 N 02/01/30
0
1974736 637/G02 F 23,150.00 ZZ
360 23,139.48 1
11 PINE STREET 9.875 201.03 90
9.625 201.03 25,773.00
BUCKSPORT ME 04416 1 02/18/00 01
0431904077 05 04/01/00 30
0020415626 O 03/01/30
0
1974740 A52/G02 F 174,000.00 ZZ
360 174,000.00 1
340 EMERALD LAKE DRIVE 9.000 1,400.04 53
8.750 1,400.04 330,000.00
FAYETTEVILLE GA 30215 2 03/01/00 00
0431901339 03 05/01/00 0
0396586 O 04/01/30
0
1974755 637/G02 F 127,000.00 ZZ
360 126,930.63 1
59 MOUNTAIN STREET 9.000 1,021.87 67
8.750 1,021.87 191,000.00
CAMDEN ME 04843 5 02/15/00 00
0431885854 05 04/01/00 0
0020415659 O 03/01/30
0
1974762 163/G02 F 650,000.00 ZZ
360 649,663.03 1
576 GRANDVIEW DRIVE 9.250 5,347.39 71
9.000 5,347.39 920,000.00
SUNRISE BEACH MO 65079 5 02/04/00 00
0431885938 03 04/01/00 0
0217273717 O 03/01/30
0
1
1974764 163/G02 F 151,500.00 ZZ
360 151,408.22 1
2969 FRANKEL WAY 8.500 1,164.90 69
8.250 1,164.90 221,000.00
SAN DIEGO CA 92111 5 02/10/00 00
0431887405 05 04/01/00 0
1417289168 O 03/01/30
0
1974799 637/G02 F 83,000.00 ZZ
360 82,952.24 1
938 WEST CAMPUS DRIVE 8.750 652.97 49
8.500 652.97 170,000.00
PHOENIX AZ 85013 5 02/16/00 00
0431887595 05 04/01/00 0
0016355968 O 03/01/30
0
1974827 637/G02 F 365,000.00 ZZ
360 364,815.67 1
94 BROWN ROAD 9.375 3,035.89 48
9.125 3,035.89 776,000.00
HARVARD MA 01451 5 02/10/00 00
0431885813 05 04/01/00 0
0018809715 O 03/01/30
0
1974838 N46/G02 F 80,000.00 ZZ
360 79,959.60 1
8126 HAYNE BOULEVARD 9.375 665.40 80
9.125 665.40 100,000.00
NEW ORLEANS LA 70126 1 02/25/00 00
0431890359 05 04/01/00 0
CREGUT O 03/01/30
0
1974988 K45/G02 F 160,000.00 ZZ
360 160,000.00 1
346 EAST MEDLOCK DRIVE 8.875 1,273.03 80
8.625 1,273.03 200,000.00
PHOENIX AZ 85012 1 03/10/00 00
0431923697 05 05/01/00 0
15249 O 04/01/30
0
1975021 A48/G02 F 239,750.00 ZZ
360 239,619.05 1
1
493 TOWER HILL AVENUE 9.000 1,929.08 80
8.750 1,929.08 299,839.00
SAN JOSE CA 95136 1 02/25/00 00
0431887652 01 04/01/00 0
8111003320 O 03/01/30
0
1975024 964/G02 F 320,000.00 ZZ
360 319,825.21 1
727 PEARL STREET 9.000 2,574.79 80
8.750 2,574.79 400,000.00
BOULDER CO 80302 1 02/29/00 00
0431920354 03 04/01/00 0
67867 O 03/01/30
0
1975025 K15/G02 F 56,800.00 ZZ
360 56,740.88 1
22462 LUNA WAY 9.250 467.28 80
9.000 467.28 71,000.00
YARNELL AZ 85363 1 01/27/00 00
0431898568 05 03/01/00 0
3011424 O 02/01/30
0
1975028 G81/G02 F 220,000.00 ZZ
360 219,897.36 1
19901 E COUNTRY CLUB DR #2408 9.750 1,890.14 90
9.500 1,890.14 245,900.00
AVENTURA FL 33180 1 03/02/00 14
0431901503 08 04/01/00 30
022002041 N 03/01/30
0
1975070 H76/G02 F 229,000.00 ZZ
240 229,000.00 1
1 ALLISON DRIVE 8.375 1,969.24 51
8.125 1,969.24 450,000.00
BURLINGTON MA 01803 2 03/14/00 00
0431919646 05 05/01/00 0
200340604 O 04/01/20
0
1975089 664/G02 F 50,000.00 ZZ
360 49,976.67 2
1272 FIR STREET S 9.750 429.58 40
9.500 429.58 127,500.00
SALEM OR 97302 5 02/22/00 00
0431897818 05 04/01/00 0
1
3346731 O 03/01/30
0
1975108 P76/G02 F 162,837.00 ZZ
360 162,738.35 1
1405 ROLLING HILL LANE 8.500 1,252.08 75
8.250 1,252.08 217,116.00
CELINA TX 75009 1 02/24/00 00
0431890672 05 04/01/00 0
STALLCUP O 03/01/30
0
1975211 593/G02 F 108,000.00 ZZ
360 107,944.01 1
1766 WEST 150 NORTH 9.250 888.49 90
9.000 888.49 120,000.00
WEST POINT UT 84015 1 02/25/00 12
0431889765 05 04/01/00 25
007653066 N 03/01/30
0
1975241 T44/G02 F 94,400.00 ZZ
360 94,357.11 1
46 HELEN 9.875 819.72 80
9.625 819.72 118,000.00
OXFORD MI 48371 1 02/28/00 00
0431893114 05 04/01/00 0
8944644 N 03/01/30
0
1975257 624/G02 F 160,400.00 ZZ
360 160,400.00 1
21612 LOST RIVER DRIVE 9.375 1,334.13 80
9.125 1,334.13 200,500.00
DIAMOND BAR CA 91765 1 03/01/00 00
0431891571 05 05/01/00 0
35300200253 N 04/01/30
0
1975265 B98/G02 F 165,000.00 ZZ
360 165,000.00 1
8968 LA DONA COURT 8.875 1,312.82 57
8.625 1,312.82 291,000.00
FOUNTAIN VALLEY CA 92708 2 03/02/00 00
0431904093 03 05/01/00 0
002024 O 04/01/30
0
1
1975267 K15/G02 F 198,250.00 ZZ
360 198,144.50 1
1260 BELLINGHAM DRIVE 9.125 1,613.03 65
8.875 1,613.03 305,000.00
SAN JOSE CA 95121 5 02/14/00 00
0431898709 05 04/01/00 0
3009731 N 03/01/30
0
1975273 K15/G02 F 120,000.00 ZZ
360 119,932.73 1
9200 BELL RIDGE DRIVE 8.875 954.77 62
8.625 954.77 195,000.00
PENSACOLA FL 32526 4 02/15/00 00
0431900042 03 04/01/00 0
3010321 O 03/01/30
0
1975274 144/144 F 165,000.00 ZZ
360 164,912.20 1
16 HOUGHTON BOULEVARD 9.125 1,342.49 57
P.O. BOX 711 8.875 1,342.49 290,000.00
STONEY BROOK NY 11790 2 02/16/00 00
160628834 05 04/01/00 0
160628834 N 03/01/30
0
1975295 573/G02 F 131,850.00 ZZ
360 131,776.08 1
31400 PASEO GOLETA 8.875 1,049.06 90
8.625 1,049.06 146,500.00
TEMECULA CA 92592 1 02/24/00 04
0431890417 05 04/01/00 25
5900101 N 03/01/30
0
1975296 P63/G02 F 288,000.00 ZZ
360 288,000.00 4
223-225 VANDERBILT AVENUE 9.875 2,500.84 90
9.625 2,500.84 320,000.00
STATEN ISLAND NY 10304 1 03/22/00 10
0431928837 05 05/01/00 25
1975296 N 04/01/30
0
1975302 163/G02 F 145,600.00 ZZ
360 145,524.51 1
271 N COUNTRY CLUB BLVD 9.250 1,197.82 80
9.000 1,197.82 182,000.00
1
BOCA RATON FL 33487 1 02/24/00 00
0431890714 05 04/01/00 0
217282817 O 03/01/30
0
1975308 N24/G02 F 506,250.00 ZZ
360 506,250.00 1
5521 SOUTH LAKE GULCH ROAD 8.875 4,027.95 75
8.625 4,027.95 675,000.00
CASTLE ROCK CO 80104 4 03/13/00 00
0431915842 05 05/01/00 0
MEYERS O 04/01/30
0
1975330 E38/G02 F 280,000.00 ZZ
360 279,734.69 1
2096 EAST ORANGE GROVE BOULEVA 8.625 2,177.81 80
8.375 2,177.81 350,000.00
PASADENA CA 91104 1 02/25/00 00
0431897420 05 04/01/00 0
995410 O 03/01/30
0
1975410 K15/G02 F 175,500.00 ZZ
360 175,406.60 1
375 S 24TH STREET 9.125 1,427.93 65
8.875 1,427.93 270,000.00
SAN JOSE CA 95116 5 02/14/00 00
0431898592 05 04/01/00 0
3009734 N 03/01/30
0
1975412 H19/G02 F 176,000.00 ZZ
360 176,000.00 1
1724 SOUTH 165 WEST 8.375 1,337.73 45
8.125 1,337.73 395,000.00
ODEM UT 84058 5 02/29/00 00
0431899723 05 05/01/00 0
0002151470 O 04/01/30
0
1975413 K15/G02 F 53,100.00 ZZ
360 53,047.57 1
964 JETT STREET N W 9.500 446.49 90
9.250 446.49 59,000.00
ATLANTA GA 30314 1 02/02/00 04
0431898576 05 03/01/00 25
3012978 N 02/01/30
0
1
1975470 B28/G02 F 104,000.00 ZZ
360 103,946.08 1
1830 WEST 50TH AVENUE 9.250 855.59 80
9.000 855.59 130,000.00
DENVER CO 80221 5 02/23/00 00
0431900570 05 04/01/00 0
0001250036 O 03/01/30
0
1975474 E23/G02 F 180,000.00 ZZ
360 179,918.22 1
6723 EAST GRANDVIEW DRIVE 9.875 1,563.03 88
9.625 1,563.03 205,000.00
SCOTTSDALE AZ 85254 2 02/16/00 14
0431900224 03 04/01/00 25
40503817 O 03/01/30
0
1975480 K15/G02 F 60,600.00 ZZ
360 60,571.73 1
BOX 320 PAINT CREEK ROAD 9.750 520.65 80
9.500 520.65 76,000.00
PAX WV 25904 5 02/24/00 00
0431898972 05 04/01/00 0
038105300648 O 03/01/30
0
1975481 664/G02 F 256,500.00 ZZ
360 256,380.32 2
311 JACKSON STREET 9.750 2,203.74 90
9.500 2,203.74 285,000.00
DUNDEE IL 60118 1 02/29/00 11
0431892579 05 04/01/00 25
0003370517 N 03/01/30
0
1975484 K15/G02 F 65,900.00 ZZ
360 65,871.61 1
620 FLORENCE AVENUE 10.125 584.42 95
9.875 584.42 70,000.00
SABINA OH 45169 5 02/25/00 10
0431898931 05 04/01/00 30
029005300792 O 03/01/30
0
1975486 K15/G02 F 255,000.00 ZZ
360 255,000.00 1
1
78716 HWY 25 9.125 2,074.76 85
8.875 2,074.76 300,000.00
FOLSOM LA 70437 5 02/28/00 10
0431898915 05 05/01/00 12
009005300878 O 04/01/30
0
1975507 U05/G02 F 243,000.00 ZZ
360 242,577.53 2
27424 & 27426 TYRRELL AVENUE 8.750 1,911.68 90
8.500 1,911.68 270,000.00
HAYWARD CA 94544 1 12/09/99 10
0431914142 05 02/01/00 25
3004843 N 01/01/30
0
1975512 163/G02 F 31,500.00 ZZ
360 31,484.51 1
624 WINDY HILL DRIVE 9.500 264.87 70
9.250 264.87 45,000.00
GASTONIA NC 28052 1 02/16/00 00
0431892942 05 04/01/00 0
0217262561 N 03/01/30
0
1975596 N11/G02 F 41,500.00 ZZ
360 41,479.59 1
30 SHADOW TRACE LANE 9.500 348.95 80
9.250 348.95 52,000.00
ANNISTON AL 36201 5 03/22/00 00
0431933944 05 04/27/00 0
TERRY O 03/27/30
0
1975633 E38/G02 F 141,520.00 ZZ
360 141,448.54 1
7564 JELLISON COURT 9.375 1,177.09 80
9.125 1,177.09 176,900.00
ARVADA CO 80005 1 02/29/00 00
0431896521 05 04/01/00 0
994845 O 03/01/30
0
1975644 825/G02 F 282,400.00 ZZ
360 282,241.68 1
0142 HIGHPOINT DRIVE 8.875 2,246.90 80
8.625 2,246.90 355,000.00
BRECKENRIDGE CO 80424 1 02/25/00 00
0431893254 05 04/01/00 0
1
01500 O 03/01/30
0
1975679 F88/G02 F 225,600.00 ZZ
360 225,600.00 1
1462 WEST LAUREL AVENUE 9.000 1,815.23 80
8.750 1,815.23 282,000.00
CHANDLER AZ 85225 4 03/03/00 00
0431902618 03 05/01/00 0
60002179 O 04/01/30
0
1975687 G52/G02 F 168,000.00 ZZ
360 167,903.34 1
3962 KIANI STREET 8.750 1,321.66 74
8.500 1,321.66 230,000.00
LAWAI HI 96765 1 02/28/00 00
0431910447 05 04/01/00 0
92500668 O 03/01/30
0
1975736 T44/G02 F 145,600.00 ZZ
360 145,600.00 1
356 LERNER 9.875 1,264.32 80
9.625 1,264.32 182,000.00
CLAWSON MI 48017 5 03/31/00 00
0431958446 05 05/01/00 0
999 N 04/01/30
0
1975765 A75/G02 F 62,000.00 ZZ
360 62,000.00 1
142 WEST CENTRAL AVENUE 9.000 498.87 38
8.750 498.87 165,000.00
MAYWOOD NJ 07607 5 03/03/00 00
0431913987 05 05/01/00 0
1000030492 O 04/01/30
0
1975784 T08/G02 F 68,000.00 ZZ
360 67,965.66 1
3072 NW 20TH STREET 9.375 565.59 80
9.125 565.59 85,000.00
FT. LAUDERDALE FL 33311 1 02/29/00 00
0431897834 05 04/01/00 0
13200393 N 03/01/30
0
1
1975801 637/G02 F 470,400.00 ZZ
360 470,162.45 1
291 OAKLAND STREET 9.375 3,912.55 80
9.125 3,912.55 588,000.00
WELLESLEY MA 02481 5 02/24/00 00
0431897180 05 04/01/00 0
0018812297 O 03/01/30
0
1975808 637/G02 F 80,000.00 ZZ
360 79,959.60 3
2950 SEMMES STREET 9.375 665.40 80
9.125 665.40 100,000.00
EAST POINT GA 30344 1 02/24/00 00
0431897115 05 04/01/00 0
0012067849 N 03/01/30
0
1975816 637/G02 F 116,500.00 ZZ
360 116,436.36 1
1007 BURKETT STREET 9.000 937.39 90
8.750 937.39 130,000.00
TAYLOR TX 76574 1 02/28/00 14
0431897479 05 04/01/00 30
0018282467 N 03/01/30
0
1975835 637/G02 F 138,000.00 T
360 137,930.31 1
28750 ZION DRIVE 9.375 1,147.82 50
9.125 1,147.82 276,500.00
LAKE ARROWHEAD CA 92352 5 02/23/00 00
0431907526 05 04/01/00 0
0018192484 O 03/01/30
0
1975848 637/G02 F 96,000.00 ZZ
360 95,950.23 1
10613 NORTH 45TH DRIVE 9.250 789.77 80
9.000 789.77 120,000.00
PHOENIX AZ 85304 5 02/24/00 00
0431922863 05 04/01/00 0
0017360496 O 03/01/30
0
1975851 637/G02 F 25,000.00 ZZ
360 24,985.98 1
3033 E DEVONSHIRE AVE #3020 8.875 198.92 60
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1
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1976028 665/G02 F 124,000.00 ZZ
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1976104 E62/G02 F 354,400.00 ZZ
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0217286016 O 03/01/30
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0003367273 O 03/01/30
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1976168 K15/G02 F 52,250.00 ZZ
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3007469 O 03/01/30
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1976177 253/253 F 119,900.00 T
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949927 03 05/01/00 0
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3016480 O 03/01/30
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3010942 O 03/01/30
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1976400 E47/G02 F 65,000.00 ZZ
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0431932714 05 05/01/00 0
LAG12170 O 04/01/30
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003805301052 O 04/01/30
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1976530 L47/G02 F 111,000.00 ZZ
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0431911817 05 04/01/00 30
108310190 O 03/01/30
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1976652 637/G02 F 192,000.00 ZZ
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0431912799 03 05/01/00 0
0020021028 O 04/01/30
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1976660 664/G02 F 88,000.00 ZZ
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1976672 025/025 F 180,000.00 ZZ
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1976684 461/461 F 267,000.00 ZZ
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9023212277 O 03/01/30
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9023226541 O 03/01/30
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0396147 N 04/01/30
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RODRIGUEZ O 04/01/30
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022705300634 O 04/01/30
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0431931971 05 03/01/00 0
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3015228 O 03/01/30
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3014891 N 03/01/30
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0431939107 05 04/01/00 25
3013475 N 03/01/30
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1977379 K15/G02 F 182,000.00 ZZ
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3012945 O 03/01/30
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0431926203 03 05/01/00 0
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0431952571 05 05/01/00 25
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1977564 K15/G02 F 92,700.00 ZZ
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3020144 N 03/01/30
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1977573 K15/G02 F 202,500.00 ZZ
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3019968 O 03/01/30
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1977580 E65/G02 F 25,650.00 ZZ
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3019816 O 03/01/30
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1977586 E65/G02 F 25,200.00 ZZ
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FLINT MI 48505 1 03/10/00 01
0431932706 05 05/01/00 25
228231 N 04/01/30
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1977592 E65/G02 F 17,100.00 ZZ
360 17,100.00 1
213 W BALTIMORE 9.875 148.49 90
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FLINT MI 48505 1 03/10/00 01
0431930619 05 05/01/00 25
228232 O 04/01/30
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1977596 E65/G02 F 23,400.00 ZZ
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0431930742 05 05/01/00 25
228230 N 04/01/30
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1977599 F32/G02 F 51,500.00 ZZ
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1977605 E47/G02 F 252,000.00 BB
360 252,000.00 1
2708 VIA MONTAZUMA 9.875 2,188.24 80
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SAN CLEMENTE CA 92672 1 03/03/00 00
0431946094 05 05/01/00 0
LAG12221 O 04/01/30
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1977626 K15/G02 F 232,000.00 ZZ
360 232,000.00 1
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0431959634 05 05/01/00 0
3020654 O 04/01/30
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1977628 K15/G02 F 42,000.00 ZZ
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RT 1 BOX 117B 10.125 372.47 80
9.875 372.47 52,700.00
ATHENS LA 71003 5 03/17/00 00
0431933142 05 05/01/00 0
008405302008 O 04/01/30
0
1977630 K15/G02 F 91,700.00 ZZ
360 91,652.46 2
3226 CLOVERHURST DRIVE 9.250 754.39 90
9.000 754.39 102,000.00
EAST POINT GA 30344 1 03/02/00 04
0431933431 05 04/01/00 25
3019205 N 03/01/30
0
1977631 A50/A50 F 51,200.00 ZZ
360 51,200.00 1
2219C HIGHWAY 280 EAST 9.750 439.89 95
9.500 439.89 53,900.00
LESLIE GA 31764 1 03/31/00 01
701256 05 05/01/00 30
701256 O 04/01/30
0
1977632 K15/G02 F 87,400.00 ZZ
360 87,400.00 1
3086 MARGARET 9.375 726.95 85
9.125 726.95 103,000.00
1
AUBURN HILLS MI 48326 5 03/17/00 27
0431933167 05 05/01/00 12
035805300830 O 04/01/30
0
1977644 G52/G02 F 106,650.00 ZZ
360 106,650.00 1
1785 AWA A PLACE 8.875 848.56 90
8.625 848.56 118,500.00
KAPAA HI 96746 1 03/02/00 11
0431928746 05 05/01/00 25
92500680 O 04/01/30
0
1977645 A33/G02 F 63,000.00 ZZ
360 63,000.00 1
5123 EAST NORTH STREET 9.875 547.06 90
9.625 547.06 70,000.00
INDIANAPOLIS IN 46219 1 03/17/00 11
0431934496 05 05/01/00 25
029085950 N 04/01/30
0
1977649 E47/G02 F 198,800.00 ZZ
360 198,800.00 1
7744 TRIPLE BEND DRIVE 8.500 1,528.60 80
8.250 1,528.60 248,500.00
CHINA GROVE TX 78263 2 03/09/00 00
0431941152 05 05/01/00 0
SAT10994 O 04/01/30
0
1977652 637/G02 F 117,200.00 ZZ
360 117,200.00 1
1505 SOUTH DECATUR STREET 9.125 953.58 80
8.875 953.58 146,500.00
DENVER CO 80219 1 03/10/00 00
0431929082 05 05/01/00 0
0014994305 O 04/01/30
0
1977653 E11/G02 F 93,350.00 ZZ
360 93,350.00 1
122 HARRISON AVENUE 9.375 776.44 90
9.125 776.44 103,750.00
HOPKINS MN 55343 1 03/22/00 04
0431930387 05 05/01/00 25
2120693 N 04/01/30
0
1
1977655 K15/G02 F 77,350.00 ZZ
360 77,350.00 1
19 COTTON GIN ROAD 9.250 636.34 70
9.000 636.34 110,500.00
KYLE TX 78640 5 03/02/00 00
0431940311 05 05/01/00 0
3021240 O 04/01/30
0
1977659 637/G02 F 97,000.00 ZZ
360 97,000.00 1
513 HIBISCUS AVENUE 9.500 815.63 90
9.250 815.63 107,900.00
LEHIGH ACRES FL 33936 1 03/09/00 04
0431930429 05 05/01/00 25
0019070457 O 04/01/30
0
1977664 664/G02 F 69,300.00 ZZ
360 69,300.00 1
6706 W FRIENDLY AVNEUE UNIT 1K 9.250 570.12 90
9.000 570.12 77,000.00
GREENSBORO NC 27410 1 03/15/00 11
0431928563 01 05/01/00 17
0003331485 O 04/01/30
0
1977676 637/G02 F 45,050.00 ZZ
360 45,050.00 1
2521 UTICA DRIVE 9.750 387.05 85
9.500 387.05 53,000.00
DALLAS TX 75227 1 03/10/00 11
0431927383 05 05/01/00 12
0019036748 O 04/01/30
0
1977688 K15/G02 F 140,000.00 ZZ
360 140,000.00 1
1428 SOUND FOREST DRIVE 8.750 1,101.38 79
8.500 1,101.38 177,300.00
GULF BREEZE FL 32561 2 03/07/00 00
0431959097 05 05/01/00 0
3021647 O 04/01/30
0
1977696 M66/G02 F 112,000.00 ZZ
360 112,000.00 3
1
432 2ND STREET 9.875 972.56 87
9.625 972.56 129,000.00
JERSEY CITY NJ 07302 1 03/16/00 01
0431929504 05 05/01/00 20
136583 N 04/01/30
0
1977697 A50/A50 F 79,500.00 ZZ
360 79,500.00 1
7840 EDGEWATER DRIVE 8.625 618.34 76
8.375 618.34 105,000.00
COLUMBUS GA 31904 5 03/20/00 00
701286 05 05/01/00 0
701286 O 04/01/30
0
1977698 B49/G02 F 173,700.00 ZZ
360 173,700.00 1
1061 BEAVER CREEK BLVD #R304 9.000 1,397.63 90
8.750 1,397.63 193,000.00
AVON CO 81620 1 03/30/00 10
0431947803 01 05/01/00 30
22602932 O 04/01/30
0
1977715 R86/G02 F 103,500.00 ZZ
360 103,500.00 4
6707 WEST MYRTLE AVENUE 9.750 889.22 90
9.500 889.22 115,000.00
GLENDALE AZ 85303 1 03/27/00 10
0431947381 05 05/01/00 25
000322 N 04/01/30
0
1977725 S22/G02 F 208,000.00 ZZ
360 207,886.38 1
180 MONICA COURT 9.000 1,673.62 80
8.750 1,673.62 260,000.00
LAKE MARY FL 32746 1 02/25/00 00
0431929355 05 04/01/00 0
201087P N 03/01/30
0
1977763 E38/G02 F 304,000.00 ZZ
360 304,000.00 1
1771 GLENCOE ROAD 8.750 2,391.57 80
8.500 2,391.57 380,000.00
WINTER PARK FL 32789 1 03/17/00 00
0431930312 05 05/01/00 0
1
995535 O 04/01/30
0
1977775 A50/A50 F 96,444.00 ZZ
360 96,382.50 1
108 OLD POND DRIVE 8.250 724.55 80
8.000 724.55 120,556.00
KINGSLAND GA 31548 1 02/22/00 00
128617 03 04/01/00 0
128617 O 03/01/30
0
1977776 A50/A50 F 76,500.00 ZZ
360 76,463.35 2
1319 1321 FULLER ROAD 9.625 650.24 90
9.375 650.24 85,000.00
TALLAHASSEE FL 32303 1 02/29/00 04
128764 03 04/01/00 25
128764 N 03/01/30
0
1977779 737/G02 F 140,000.00 ZZ
360 140,000.00 1
290 EDGEWOOD ROAD 9.750 1,202.82 69
9.500 1,202.82 205,000.00
GUYTON GA 31312 4 03/15/00 00
0431934629 05 05/01/00 0
2000569 O 04/01/30
0
1977815 T44/G02 F 81,900.00 ZZ
360 81,900.00 1
7745 ROSEMARY 9.875 711.18 90
9.625 711.18 91,000.00
DEARBORN HEIGHT MI 48127 1 03/21/00 04
0431930924 05 05/01/00 25
8954411 N 04/01/30
0
1977817 T44/G02 F 130,500.00 ZZ
360 130,500.00 1
5031 OAKWOOD 9.875 1,133.19 90
9.625 1,133.19 145,000.00
ORTONVILLE MI 48462 1 03/21/00 04
0431935220 05 05/01/00 25
8958211 N 04/01/30
0
1
1977829 025/025 F 71,900.00 ZZ
360 71,715.18 1
758 BUFORD STREET 10.250 644.30 90
10.000 644.30 79,900.00
SMYRNA TN 37167 1 09/15/99 11
0021725239 05 11/01/99 25
0021725239 N 10/01/29
0
1977832 Q69/G02 F 63,000.00 ZZ
360 63,000.00 2
2501 & 2503 ALDEN AVENUE 9.750 541.27 90
9.500 541.27 70,000.00
DALLAS TX 75211 1 03/21/00 04
0431938026 05 05/01/00 25
0003002 N 04/01/30
0
1977840 E11/G02 F 162,000.00 ZZ
360 162,000.00 1
822 SE 7TH STREET 9.375 1,347.43 90
9.125 1,347.43 180,000.00
MINNEAPOLIS MN 55414 1 03/15/00 12
0431929165 05 05/01/00 25
0396256 N 04/01/30
0
1977858 M96/G02 F 50,490.00 ZZ
240 50,490.00 2
841 MC REYNOLDS ST NW 9.875 483.07 90
9.625 483.07 56,100.00
GRAND RAPIDS MI 49504 1 03/23/00 10
0431932599 05 05/01/00 25
200000213 N 04/01/20
0
1977874 700/G02 F 143,100.00 ZZ
360 143,100.00 1
13788 BOSTON COURT 8.750 1,125.77 90
8.500 1,125.77 159,000.00
FONTANA CA 92336 1 03/20/00 10
0431931088 03 05/01/00 25
00250321 O 04/01/30
0
1977895 P58/G02 F 22,000.00 ZZ
360 22,000.00 1
113 FEDERAL COURT 8.625 171.12 53
8.375 171.12 42,000.00
1
ABSECON NJ 08201 1 03/18/00 00
0431935568 01 05/01/00 0
002000000601 O 04/01/30
0
1977939 E84/G02 F 123,750.00 T
360 123,750.00 1
3543 SOUTH OCEAN BOULEVAR 9.625 1,051.86 75
APT 115 9.375 1,051.86 165,000.00
PALM BEACH FL 33480 1 03/17/00 00
0431951979 09 05/01/00 0
15500245 O 04/01/30
0
1977991 183/G02 F 180,000.00 ZZ
360 179,918.22 1
208 SUMMITT CIRCLE 9.875 1,563.03 86
9.625 1,563.03 210,000.00
SHELBURNE VT 05482 5 03/17/00 23
0431930510 05 04/22/00 0
800364267 O 03/22/30
0
1978048 025/025 F 43,200.00 ZZ
360 43,120.51 1
3935 LONGHORN DRIVE 9.875 375.13 80
9.625 375.13 54,000.00
SARASOTA FL 34233 1 11/30/99 00
0021327911 05 01/01/00 0
0021327911 O 12/01/29
0
1978076 U05/G02 F 99,000.00 ZZ
360 98,888.59 1
842 PLEASURE ROAD 8.875 787.69 90
8.625 787.69 110,000.00
LANCASTER PA 17601 5 01/31/00 12
0431959113 05 03/01/00 25
3009417 O 02/01/30
0
1978078 A33/G02 F 48,600.00 ZZ
360 48,600.00 3
1316 EAST 7TH STREET 9.875 422.02 89
9.625 422.02 55,000.00
ANDERSON IN 46012 1 03/17/00 11
0431933902 05 05/01/00 25
034084495 N 04/01/30
0
1
1978090 L04/G02 F 216,000.00 ZZ
360 216,000.00 1
2130 SOUTH UNIVERSITY BLVD 9.875 1,875.63 80
9.625 1,875.63 270,000.00
DENVER CO 80210 1 03/27/00 00
0431932052 05 05/01/00 0
6699540017 N 04/01/30
0
1978094 U05/G02 F 121,500.00 ZZ
360 121,435.35 1
2908 LARKIN ROAD 9.125 988.56 90
8.875 988.56 135,000.00
UPPER CHICHESTE PA 19061 1 02/25/00 04
0431940170 05 04/01/00 25
3012242 O 03/01/30
0
1978097 K15/G02 F 114,300.00 ZZ
360 114,300.00 1
3603 13TH STREET NW 9.875 992.52 90
9.625 992.52 127,000.00
WASHINGTON DC 20010 1 03/06/00 04
0431934256 07 05/01/00 25
3014025 N 04/01/30
0
1978102 U05/G02 F 160,000.00 ZZ
360 160,000.00 1
1415 OCEAN AVENUE 9.375 1,330.80 80
9.125 1,330.80 200,000.00
POINT PLEASANT NJ 08742 5 03/03/00 00
0431938489 05 05/01/00 0
3019818 O 04/01/30
0
1978109 B28/G02 F 49,400.00 ZZ
360 49,400.00 1
96 WEST WINDSOR DRIVE 9.875 428.97 95
9.625 428.97 52,000.00
LITTLE ROCK AR 72209 1 03/10/00 11
0431938463 05 05/01/00 30
0001310047 O 04/01/30
0
1978113 A48/G02 F 251,250.00 ZZ
360 251,250.00 1
1
4806 11TH AVE 9.375 2,089.77 75
9.125 2,089.77 335,000.00
BROOKLYN NY 11219 1 03/20/00 00
0431934132 07 05/01/00 0
2200402046 O 04/01/30
0
1978122 665/G02 F 283,600.00 ZZ
360 283,600.00 1
3447 QUARRY PARK DRIVE 8.875 2,256.45 65
8.625 2,256.45 440,000.00
SAN JOSE CA 95136 2 03/10/00 00
0431933761 03 05/01/00 0
0001237168 O 04/01/30
0
1978123 Q01/G02 F 130,500.00 ZZ
360 130,500.00 4
1100 EAST CEDAR STREET #M-P 9.875 1,133.19 90
9.625 1,133.19 145,000.00
POCATELLO ID 83201 1 03/03/00 01
0431931344 05 05/01/00 25
17715016 O 04/01/30
0
1978140 B28/G02 F 145,600.00 ZZ
360 145,600.00 4
491 EAST 2650 NORTH 9.875 1,264.32 80
9.625 1,264.32 182,000.00
OGDEN UT 84414 1 03/03/00 00
0431937101 05 05/01/00 0
2080001 N 04/01/30
0
1978164 069/G02 F 171,000.00 ZZ
360 171,000.00 4
1224 WEST 111TH STREET 9.875 1,484.88 90
9.625 1,484.88 190,000.00
LOS ANGELES CA 90044 1 03/20/00 01
0431934603 05 05/01/00 25
22188036801 N 04/01/30
0
1978168 163/G02 F 50,000.00 ZZ
360 48,747.33 1
201 FRIES 8.875 397.82 73
8.625 397.82 69,000.00
TONAWANDA NY 14150 1 01/31/00 00
0431937879 05 03/01/00 0
1
1000162476 O 02/01/30
0
1978171 926/926 F 208,500.00 T
360 208,500.00 1
28 BRADLEY BEACH ROAD 9.125 1,696.43 75
8.875 1,696.43 278,000.00
HILTON HEAD ISL SC 29928 1 03/16/00 00
163018850 05 05/01/00 0
163018850 O 04/01/30
0
1978178 L47/G02 F 57,600.00 ZZ
360 57,600.00 1
1536 MYRTLE AVE 9.500 484.33 80
9.250 484.33 72,000.00
COLUMBUS OH 43211 1 03/22/00 00
0431934066 05 05/01/00 0
0020018387 N 04/01/30
0
1978179 163/G02 F 252,000.00 ZZ
360 252,000.00 1
82 OLD HARBOR STREET 9.625 2,141.97 80
9.375 2,141.97 315,000.00
SOUTH BOSTON MA 02127 1 03/08/00 00
0431934215 05 05/01/00 0
190001630 O 04/01/30
0
1978183 163/G02 F 55,800.00 ZZ
360 55,800.00 1
2707 LORAINE 9.750 479.41 90
9.500 479.41 62,000.00
RACINE WI 53404 1 03/03/00 04
0431934975 05 05/01/00 25
3917306004 N 04/01/30
0
1978192 183/G02 F 63,000.00 ZZ
360 62,971.38 2
18248 SANTA ROSA 9.875 547.06 70
9.625 547.06 90,000.00
DETROIT MI 48221 1 03/22/00 00
0431935287 05 04/22/00 0
800373781 O 03/22/30
0
1
1978194 K15/G02 F 90,000.00 ZZ
360 90,000.00 2
11016 LANGTON AVENUE 9.375 748.57 85
9.125 748.57 106,000.00
GARFIELD HEIGHT OH 44125 5 03/21/00 10
0431940709 05 05/01/00 25
028605300946 O 04/01/30
0
1978201 K15/G02 F 98,900.00 ZZ
360 98,900.00 1
31 RIVERPARK CIRCLE 9.500 831.60 83
9.250 831.60 120,000.00
SAINT ALBANS WV 25177 5 03/21/00 27
0431941186 05 05/01/00 12
038105300702 O 04/01/30
0
1978205 163/G02 F 81,630.00 ZZ
360 81,592.91 1
50 GREENHOUSE ROAD UNIT 9C 9.875 708.84 90
9.625 708.84 90,700.00
BRIDGEPORT CT 06606 1 02/18/00 04
0431935246 01 04/01/00 25
1000204407 O 03/01/30
0
1978206 369/G02 F 61,200.00 ZZ
360 61,200.00 1
7065 MORTWOOD AVENUE 9.750 525.81 90
9.500 525.81 68,000.00
INDIANAPOLIS IN 46241 1 03/21/00 14
0431934199 05 05/01/00 25
0072014657 N 04/01/30
0
1978217 665/G02 F 328,000.00 ZZ
360 328,000.00 1
23620 CLOVER TRAIL 8.375 2,493.04 80
8.125 2,493.04 410,000.00
CALABASAS CA 91302 1 03/14/00 00
0431934926 05 05/01/00 0
0001237308 O 04/01/30
0
1978220 369/G02 F 30,000.00 ZZ
360 30,000.00 1
95-009 WAIKALANI DRIVE A 306 9.000 241.39 80
8.750 241.39 37,500.00
1
MILILANI HI 96789 1 03/15/00 00
0431935196 01 05/01/00 0
0071850705 N 04/01/30
0
1978222 664/G02 F 36,800.00 ZZ
360 36,800.00 1
2914 KINGS CHAPEL ROAD 9.000 296.11 80
8.750 296.11 46,000.00
FALLS CHURCH VA 22042 1 03/13/00 00
0431936293 01 05/01/00 0
0003332715 O 04/01/30
0
1978230 P01/G02 F 108,000.00 ZZ
360 108,000.00 1
111 SMITH ROAD 9.250 888.49 80
9.000 888.49 135,000.00
MECHANICVILLE NY 12118 1 03/21/00 00
0431933787 05 05/01/00 0
0396942 O 04/01/30
0
1978231 B93/G02 F 105,000.00 ZZ
360 105,000.00 1
9290 EAST LAKESHORE DRIVE 9.250 863.81 68
9.000 863.81 156,000.00
PRESCOTT VALLEY AZ 86314 5 03/16/00 00
0431935451 05 05/01/00 0
1000046004 O 04/01/30
0
1978246 964/G02 F 59,600.00 ZZ
360 59,600.00 1
205 WEST 8TH STREET 9.000 479.56 72
8.750 479.56 83,000.00
PRINEVILLE OR 97754 2 03/13/00 00
0431933969 05 05/01/00 0
71754 O 04/01/30
0
1978249 665/G02 F 215,000.00 ZZ
360 215,000.00 1
1515 26TH AVENUE 9.125 1,749.31 44
8.875 1,749.31 495,000.00
SAN FRANCISCO CA 94122 5 03/14/00 00
0431937671 05 05/01/00 0
0001237269 O 04/01/30
0
1
1978251 B90/G02 F 418,300.00 ZZ
360 418,300.00 1
2701 STEARMAN ST 9.000 3,365.74 75
8.750 3,365.74 560,000.00
POPLAR GROVE IL 61065 4 03/10/00 00
0431943620 05 05/01/00 0
901420921 O 04/01/30
0
1978252 665/G02 F 50,000.00 T
360 50,000.00 1
198 CHABLIS WAY 9.625 424.99 22
9.375 424.99 238,000.00
CLOVERDALE CA 95425 1 03/14/00 00
0431934959 05 05/01/00 0
0001237270 O 04/01/30
0
1978255 G92/G02 F 280,000.00 ZZ
360 279,838.91 1
5865 SOUTHWIND DRIVE 8.750 2,202.76 80
8.500 2,202.76 350,000.00
SAN JOSE CA 95138 1 02/09/00 00
0431943422 05 04/01/00 0
TOKHI O 03/01/30
0
1978256 A52/G02 F 310,000.00 ZZ
360 310,000.00 1
2223 LASALLE DRIVE 8.875 2,466.50 80
8.625 2,466.50 387,500.00
MARIETTA GA 30068 1 03/28/00 00
0431935345 05 05/01/00 0
0399403 O 04/01/30
0
1978260 811/G02 F 265,500.00 ZZ
360 265,500.00 1
3 HENRY STREET UNIT 77 9.375 2,208.29 90
9.125 2,208.29 295,000.00
CAMBRIDGE MA 02139 1 03/23/00 19
0431939057 01 05/01/00 25
FM80039492 O 04/01/30
0
1978262 B57/G02 F 90,000.00 ZZ
360 90,000.00 1
1
7838 FENWICK STREET 9.125 732.27 67
8.875 732.27 135,000.00
LOS ANGELES CA 91040 2 03/22/00 00
0431936210 01 05/01/00 0
2010975 N 04/01/30
0
1978263 356/G02 F 396,900.00 T
360 396,900.00 1
14658 SWISS LANE 9.000 3,193.55 70
8.750 3,193.55 567,000.00
TRUCKEE CA 96161 1 03/24/00 00
0431945955 03 05/01/00 0
2810323 O 04/01/30
0
1978283 A50/A50 F 53,000.00 ZZ
360 52,973.23 1
116 A AND B BRENTWOOD 9.375 440.83 64
9.125 440.83 83,500.00
CRESTVIEW FL 32539 5 02/21/00 00
18MYERS 03 04/01/00 0
18MYERS N 03/01/30
0
1978287 K15/G02 F 218,700.00 ZZ
360 218,589.55 1
263 NW 70 STREET 9.375 1,819.04 90
9.125 1,819.04 243,000.00
BOCA RATON FL 33487 2 02/25/00 11
0431935048 03 04/01/00 25
3013764 O 03/01/30
0
1978365 624/G02 F 50,300.00 ZZ
360 50,300.00 1
1625 N MURRAY BLVD 124 9.250 413.81 80
9.000 413.81 62,900.00
COLORADO SPRING CO 80915 1 03/31/00 00
0431959774 01 05/01/00 0
73900300493F N 04/01/30
0
1978374 K56/G02 F 314,125.00 ZZ
360 314,125.00 1
61503 HILLRIDGE ROAD 9.125 2,555.82 80
8.875 2,555.82 395,000.00
BEND OR 97702 2 03/21/00 00
0431935402 05 05/01/00 0
1
1210017 O 04/01/30
0
1978388 742/G02 F 45,000.00 ZZ
360 45,000.00 1
212 RICHMOND AVENUE 9.625 382.50 70
9.375 382.50 65,000.00
BATAVIA NY 14020 1 03/24/00 00
0431941459 05 05/01/00 0
6023337 N 04/01/30
0
1978389 H19/G02 F 99,750.00 ZZ
360 99,750.00 1
2232 ROXBURY ROAD 8.875 793.66 95
8.625 793.66 106,000.00
ROXBURY VT 05669 1 03/24/00 10
0431935774 05 05/01/00 30
001011708 O 04/01/30
0
1978390 742/G02 F 33,150.00 ZZ
360 33,150.00 1
31 SATTLER AVENUE 9.500 278.74 65
9.250 278.74 51,000.00
BUFFALO NY 14211 5 03/22/00 00
0431939065 05 05/01/00 0
6019053 N 04/01/30
0
1978391 Q64/G02 F 108,000.00 ZZ
360 108,000.00 2
1546 LELAND AVE 10.000 947.78 90
9.750 947.78 120,000.00
BOROUGH OF BRON NY 10462 1 03/06/00 23
0431941095 05 05/01/00 0
5001018000 O 04/01/30
0
1978421 J40/G02 F 117,000.00 ZZ
360 117,000.00 1
3565 IVEY LOG GAP ROAD 8.875 930.90 69
8.625 930.90 172,000.00
BLAIRSVILLE GA 30512 2 03/10/00 00
0431941731 05 05/01/00 0
392283 O 04/01/30
0
1
1978425 P59/G02 F 256,050.00 ZZ
360 256,050.00 1
28690 CAPANO BAY COURT 9.375 2,129.70 90
9.125 2,129.70 286,000.00
MENIFEE CA 92584 1 03/20/00 01
0431941871 05 05/01/00 25
LA000001 O 04/01/30
0
1978427 637/G02 F 143,900.00 ZZ
360 143,900.00 3
2322 BIJOU STREET WEST 9.000 1,157.86 90
8.750 1,157.86 159,900.00
COLORADO SPRING CO 80904 1 03/17/00 01
0431938885 05 05/01/00 25
0014996359 N 04/01/30
0
1978431 637/G02 F 64,000.00 ZZ
360 64,000.00 1
1220 N E 3RD STREET #104 9.500 538.15 80
9.250 538.15 80,000.00
FORT LAUDERDALE FL 33301 5 03/13/00 00
0431938703 01 05/01/00 0
0019075134 O 04/01/30
0
1978473 286/286 F 321,000.00 ZZ
360 320,837.89 1
1523 SKYE COURT 9.375 2,669.92 79
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FLOSSMOOR IL 60422 5 02/22/00 00
9696175 05 04/01/00 0
9696175 O 03/01/30
0
1978540 286/286 F 344,000.00 ZZ
360 343,807.15 1
45 SEAVIEW AVENUE 8.875 2,737.02 80
8.625 2,737.02 430,000.00
MARBLEHEAD MA 01945 5 02/18/00 00
9705725 05 04/01/00 0
9705725 O 03/01/30
0
1978541 286/286 F 255,600.00 ZZ
360 255,460.38 1
8861 SOUTH TUSCANY LANE 9.000 2,056.62 80
8.750 2,056.62 319,500.00
1
HIGHLANDS RANCH CO 80126 1 02/25/00 00
9705797 03 04/01/00 0
9705797 O 03/01/30
0
1978543 286/286 F 172,000.00 ZZ
360 171,903.57 1
3236 WEST CAMERON PARK COURT 8.875 1,368.51 80
8.625 1,368.51 215,000.00
SOUTH JORDAN UT 84095 1 02/24/00 00
9708513 05 04/01/00 0
9708513 O 03/01/30
0
1978546 286/286 F 111,600.00 ZZ
360 111,530.64 1
7525 ESCONDIDO AVENUE 8.375 848.24 80
8.125 848.24 139,500.00
OAK HILLS CA 92345 1 02/03/00 00
09697734 05 04/01/00 0
09697734 O 03/01/30
0
1978548 286/286 F 332,000.00 ZZ
360 331,793.64 1
4525 WEST FOXY LANE 8.375 2,523.44 80
8.125 2,523.44 420,000.00
KUNA ID 83634 5 02/17/00 00
09698492 05 04/01/00 0
09698492 O 03/01/30
0
1978550 286/286 F 284,000.00 ZZ
360 283,818.90 1
1672 VISTA SANTA FE PLACE 8.250 2,133.60 80
8.000 2,133.60 355,000.00
CHINO HILLS CA 91709 2 02/01/00 00
09698518 05 04/01/00 0
09698518 O 03/01/30
0
1978552 286/286 F 127,900.00 ZZ
360 127,740.46 1
37520 VINEYARD KNOLL DRIVE 8.375 972.13 80
8.125 972.13 159,900.00
MURRIETA CA 92562 1 01/26/00 00
09701107 03 03/01/00 0
09701107 O 02/01/30
0
1
1978554 286/286 F 340,000.00 ZZ
360 339,809.39 1
30912 CALLE MORAGA 8.875 2,705.19 80
8.625 2,705.19 425,000.00
LAGUNA NIGUEL CA 92677 1 02/11/00 00
09704468 03 04/01/00 0
09704468 O 03/01/30
0
1978641 967/G02 F 86,400.00 ZZ
360 86,400.00 1
13452 EAST 52ND DRIVE 9.125 702.98 80
8.875 702.98 108,000.00
YUMA AZ 85367 2 03/01/00 00
0431942945 05 05/01/00 0
4885117 O 04/01/30
0
1978655 K15/G02 F 100,600.00 ZZ
240 100,600.00 1
519 NOAH AVENUE 9.750 954.21 95
9.500 954.21 106,000.00
AKRON OH 44320 5 03/24/00 10
0431947514 05 05/01/00 30
028005300472 O 04/01/20
0
1978662 K15/G02 F 39,000.00 ZZ
360 39,000.00 1
334 GEYER ST 10.125 345.86 80
9.875 345.86 49,000.00
DAYTON OH 45405 5 03/23/00 00
0431950039 05 05/01/00 0
027805300375 O 04/01/30
0
1978664 K15/G02 F 83,300.00 ZZ
360 83,300.00 4
10913 DOVE AVENUE 10.125 738.72 85
9.875 738.72 98,000.00
CLEVELAND OH 44105 5 03/24/00 10
0431947464 05 05/01/00 12
028605301010 O 04/01/30
0
1978670 L48/G02 F 142,400.00 ZZ
360 142,400.00 1
1
116 LAKE VIEW 8.750 1,120.26 80
8.500 1,120.26 178,000.00
EAST JORDAN MI 49727 1 03/29/00 00
0431940303 05 05/01/00 0
85302 O 04/01/30
0
1978671 A06/G02 F 164,450.00 ZZ
360 164,450.00 1
18540 LOHR ROAD 9.125 1,338.02 65
8.875 1,338.02 255,000.00
BELLEVILLE MI 48111 5 03/15/00 00
0431940527 05 05/01/00 0
025000020001400 O 04/01/30
0
1978678 623/623 F 61,500.00 ZZ
360 61,500.00 1
36 MORRY STREET 9.500 517.12 85
9.250 517.12 72,500.00
HILLSDALE MI 49242 1 03/10/00 10
5247837 05 05/01/00 12
5247837 O 04/01/30
0
1978682 K15/G02 F 151,900.00 ZZ
360 151,900.00 1
5471 KEIFER ROAD 8.500 1,167.98 80
8.250 1,167.98 190,000.00
CANTON OH 44706 5 03/27/00 00
0431945799 05 05/01/00 0
036905300678 O 04/01/30
0
1978683 K15/G02 F 128,200.00 ZZ
360 128,200.00 1
6457 GROSSE DRIVE 9.625 1,089.69 95
9.375 1,089.69 135,000.00
BROOKPARK OH 44142 5 03/27/00 27
0431950559 05 05/01/00 30
028005300476 O 04/01/30
0
1978749 F32/G02 F 78,000.00 ZZ
360 78,000.00 4
892 ALLENE AVENUE 9.625 662.99 90
9.375 662.99 86,700.00
ATLANTA GA 30310 1 03/22/00 12
0431945500 05 05/01/00 25
1
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0
1978812 E45/G02 F 66,300.00 ZZ
360 66,269.07 1
300 PEACHTREE ST #2-0 9.750 569.62 79
9.500 569.62 84,000.00
ATLANTA GA 30303 1 03/06/00 00
0431944701 06 04/01/00 0
67504 O 03/01/30
0
1978821 E45/G02 F 300,000.00 ZZ
360 299,836.13 1
22 WATERFRONT PARK CT 9.000 2,413.87 78
8.750 2,413.87 386,480.00
DAWSONVILLE GA 30534 1 03/07/00 00
0431951623 03 04/01/00 0
65028 O 03/01/30
0
1978822 E45/G02 F 100,000.00 ZZ
360 100,000.00 4
904 CLEBURNE 9.625 849.99 80
9.375 849.99 125,000.00
BRUNSWICK GA 31520 1 03/16/00 00
0431944073 05 05/01/00 0
63169 N 04/01/30
0
1978829 T44/G02 F 130,000.00 ZZ
360 130,000.00 1
27961 PREAKNESS DRIVE 9.250 1,069.48 65
9.000 1,069.48 200,000.00
TEHACHAPI CA 93561 5 03/27/00 00
0431948215 05 05/01/00 0
8970394 O 04/01/30
0
1978832 A52/G02 F 73,800.00 ZZ
360 73,800.00 1
259 MASON DRIVE 8.500 567.46 90
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CANTON GA 30115 1 03/31/00 11
0431949536 05 05/01/00 25
0398867 O 04/01/30
0
1
1978833 T44/G02 F 116,100.00 ZZ
360 116,100.00 1
280 CABIN LANE 8.625 903.01 90
8.375 903.01 129,000.00
SELAH WA 98942 1 03/27/00 04
0431948884 27 05/01/00 25
201152977 O 04/01/30
0
1978834 E45/G02 F 60,000.00 ZZ
360 60,000.00 1
37 SANDALWOOD CIRCLE 9.000 482.77 80
8.750 482.77 75,000.00
LAWRENCEVILLE GA 30045 5 03/13/00 00
0431950732 01 05/01/00 0
67706 O 04/01/30
0
1978845 E45/G02 F 175,950.00 ZZ
360 175,950.00 1
1 CALLE ZANATE 9.250 1,447.50 90
9.000 1,447.50 195,500.00
SANTE FE NM 87505 1 03/15/00 11
0431944214 05 05/01/00 25
67779 O 04/01/30
0
1978850 624/G02 F 354,000.00 ZZ
360 354,000.00 1
2420 HOFFMAN LANE 9.000 2,848.36 74
8.750 2,848.36 480,000.00
BYRON CA 94514 5 03/23/00 00
0431942622 05 05/01/00 0
31300100216 O 04/01/30
0
1978852 637/G02 F 85,400.00 ZZ
360 85,400.00 3
30 HOLYOKE STREET 9.500 718.09 90
9.250 718.09 95,000.00
BREWER ME 04412 1 03/17/00 14
0431943109 05 05/01/00 25
0018808956 N 04/01/30
0
1978854 637/G02 F 68,800.00 ZZ
360 68,800.00 1
607 SE RIVERSIDE AVENUE 9.000 553.58 80
8.750 553.58 86,500.00
1
GRANTS PASS OR 97526 2 03/14/00 00
0431952811 05 05/01/00 0
0010300713 O 04/01/30
0
1978855 225/225 F 495,000.00 ZZ
360 494,700.13 1
1643 SE 10 STREET 8.500 3,806.12 90
8.250 3,806.12 550,000.00
DEERFIELD BEACH FL 33441 1 03/01/00 14
8789133 05 04/01/00 25
8789133 O 03/01/30
0
1978859 637/G02 F 117,000.00 ZZ
360 117,000.00 2
115 SOUTH AGASSIZ STREET 8.375 889.29 75
8.125 889.29 156,000.00
FLAGSTAFF AZ 86001 1 03/06/00 00
0431944891 05 05/01/00 0
0020022117 N 04/01/30
0
1978860 637/G02 F 268,950.00 ZZ
360 268,950.00 1
15023 EAST STAGHORN DRIVE 8.750 2,115.83 90
8.500 2,115.83 298,854.00
FOUNTAIN HILLS AZ 85268 1 03/20/00 01
0431943786 03 05/01/00 25
0016358236 O 04/01/30
0
1978862 T44/G02 F 187,500.00 ZZ
360 187,500.00 3
9 MOUNT VERNON STREET 9.500 1,576.60 62
9.250 1,576.60 307,000.00
NEWPORT RI 02840 5 03/24/00 00
0431945484 05 05/01/00 0
0398952 O 04/01/30
0
1978866 T44/G02 F 96,750.00 ZZ
360 96,750.00 1
2515 PADDOCK LANE 9.750 831.23 90
9.500 831.23 108,000.00
LOUISVILLE KY 40216 1 04/03/00 11
0431945492 05 05/01/00 25
0399941 O 04/01/30
0
1
1978873 E11/G02 F 26,600.00 ZZ
360 26,600.00 1
1528 N 22ND AVENUE 9.250 218.83 70
9.000 218.83 38,000.00
MINNEAPOLIS MN 55411 1 03/30/00 00
0431959857 05 05/01/00 0
0003001021564 N 04/01/30
0
1978874 T44/G02 F 39,600.00 ZZ
360 39,600.00 2
35 ELLWOOD 9.875 343.87 90
9.625 343.87 44,000.00
PONTIAC MI 48342 1 03/30/00 04
0431944875 07 05/01/00 25
8967547 N 04/01/30
0
1978883 N94/G02 F 137,600.00 ZZ
360 137,600.00 3
40 HARBOR STREET 9.000 1,107.16 80
8.750 1,107.16 172,000.00
SALEM MA 01970 5 03/25/00 00
0431945989 05 05/01/00 0
20003076 O 04/01/30
0
1978894 225/225 F 435,000.00 ZZ
360 434,722.62 1
32220 COUNTY ROAD 17 8.250 3,268.01 73
8.000 3,268.01 600,000.00
ELIZABETH CO 80107 5 02/14/00 00
7174802 05 04/01/00 0
7174802 O 03/01/30
0
1978916 G92/G02 F 240,000.00 ZZ
360 240,000.00 1
232 TRUCKEE LANE 8.500 1,845.39 80
8.250 1,845.39 300,000.00
SAN JOSE CA 95136 1 03/21/00 00
0431953009 01 05/01/00 0
PUTHUFF O 04/01/30
0
1978942 665/G02 F 280,000.00 ZZ
360 280,000.00 1
1
41 MARVEL COURT 8.750 2,202.76 50
8.500 2,202.76 560,000.00
SAN FRANCISCO CA 94121 1 03/02/00 00
0431943299 05 05/01/00 0
0001236695 O 04/01/30
0
1978949 966/G02 F 104,000.00 ZZ
360 104,000.00 1
3802 SHELL DRIVE 9.500 874.49 80
9.250 874.49 130,000.00
MIDLAND TX 79707 1 03/07/00 00
0431948595 05 05/01/00 0
30014669 O 04/01/30
0
1978971 E11/G02 F 309,800.00 ZZ
360 309,800.00 1
684 TONKAWA ROAD 9.125 2,520.63 80
8.875 2,520.63 387,254.00
ORONO MN 55356 1 03/30/00 00
0431947795 05 05/01/00 0
3001021289 O 04/01/30
0
1978989 E53/G02 F 115,000.00 ZZ
360 115,000.00 1
2450 SW 142 PL 9.500 966.98 77
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MIAMI FL 33175 5 03/30/00 00
0431948108 05 05/01/00 0
0011109990 N 04/01/30
0
1978997 964/G02 F 183,600.00 ZZ
360 183,600.00 4
2157-2163 NOMAD COURT SOUTHEAS 9.250 1,510.43 80
9.000 1,510.43 229,500.00
SALEM OR 97306 1 03/22/00 00
0431951383 07 05/01/00 0
72921 N 04/01/30
0
1979000 F26/G02 F 239,200.00 ZZ
360 239,200.00 1
16109 158TH AVENUE NORTHEAST 8.250 1,797.03 80
8.000 1,797.03 299,000.00
WOODINVILLE WA 98072 1 03/14/00 00
0431950633 05 05/01/00 0
1
7142670808 O 04/01/30
0
1979001 964/G02 F 340,000.00 ZZ
360 340,000.00 2
2353 & 2359 NORTHWEST HOYT ST 9.250 2,797.10 80
9.000 2,797.10 425,000.00
PORTLAND OR 97210 1 03/02/00 00
0431952720 05 05/01/00 0
70654 O 04/01/30
0
1979006 E45/G02 F 160,000.00 ZZ
360 160,000.00 1
2271 W LAKE HALL ROAD 9.250 1,316.28 34
9.000 1,316.28 480,000.00
TALLAHASSEE FL 32308 5 03/08/00 00
0431947936 05 05/01/00 0
000 O 04/01/30
0
1979016 637/G02 F 73,800.00 ZZ
360 73,800.00 2
6917 S PLEASANT VALLEY ROAD 8.875 587.19 90
8.625 587.19 82,000.00
AUSTIN TX 78744 1 03/17/00 04
0431945807 05 05/01/00 25
0018282079 N 04/01/30
0
1979021 956/G02 F 40,000.00 ZZ
360 39,980.33 1
10715 BEXELY DRIVE 9.500 336.34 80
9.250 336.34 50,000.00
HOUSTON TX 77099 1 02/17/00 00
0431950658 03 04/01/00 0
3210020057 O 03/01/30
0
1979022 964/G02 F 68,800.00 ZZ
360 68,800.00 1
802 WEST FAIRMONT AVENUE 9.250 566.00 80
9.000 566.00 86,000.00
CLOVIS CA 93612 5 03/24/00 00
0431947118 05 05/01/00 0
73872 N 04/01/30
0
1
1979023 637/G02 F 80,000.00 ZZ
360 80,000.00 1
9841 NW 18 PLACE 8.375 608.06 56
8.125 608.06 145,000.00
PLANTATION FL 33322 1 03/21/00 00
0431945948 05 05/01/00 0
0019163039 O 04/01/30
0
1979028 163/G02 F 136,710.00 ZZ
360 136,425.90 2
76 JESSIE AVENUE SOUTH 7.875 991.24 90
7.625 991.24 151,900.00
ATTLEBORO MA 02703 1 12/22/99 04
0431951029 05 02/01/00 25
0217191174 N 01/01/30
0
1979029 637/G02 F 65,000.00 ZZ
360 65,000.00 1
203 WALKER ROAD 9.000 523.00 42
8.750 523.00 155,000.00
CARROLLTON GA 30117 5 03/13/00 00
0431959394 05 05/01/00 0
9999999 O 04/01/30
0
1979032 163/G02 F 97,600.00 ZZ
360 97,600.00 1
29 MEADOWVIEW LANE 8.875 776.55 80
8.625 776.55 122,000.00
QUEENSBURY NY 12804 1 03/20/00 00
0431950971 05 05/01/00 0
1000158066 O 04/01/30
0
1979095 637/G02 F 20,000.00 ZZ
360 20,000.00 1
607 E MESCALERO 9.750 171.83 36
9.500 171.83 57,000.00
ROSWELL NM 88201 5 03/20/00 00
0431950336 05 05/01/00 0
0019036516 N 04/01/30
0
1979101 E76/G02 F 93,150.00 ZZ
360 93,150.00 2
200 4TH STREET 9.000 749.51 90
8.750 749.51 103,500.00
1
FAIRPLAY CO 80440 1 03/24/00 10
0431950773 05 05/01/00 25
99999999 O 04/01/30
0
1979105 A35/G02 F 337,000.00 ZZ
360 337,000.00 1
47 EDWARDS LANE EAST 9.375 2,802.99 95
9.125 2,802.99 355,000.00
BLUE POINT NY 11715 1 03/29/00 10
0431951144 05 05/01/00 30
10457 O 04/01/30
0
1979121 637/G02 F 28,800.00 ZZ
360 28,800.00 1
106 STARLIGHT TERRACE 9.875 250.09 80
9.625 250.09 36,000.00
SAN ANTONIO TX 78233 1 03/17/00 00
0431949924 05 05/01/00 0
0020829578 N 04/01/30
0
1979123 637/G02 F 211,050.00 ZZ
360 211,050.00 4
1609 25TH STREET 9.500 1,774.63 90
9.250 1,774.63 234,500.00
SACRAMENTO CA 95816 1 03/15/00 10
0431951987 05 05/01/00 25
0010885515 N 04/01/30
0
1979124 Q73/G02 F 432,000.00 ZZ
360 432,000.00 1
580 PINE NEEDLE TRACE 9.250 3,553.96 90
9.000 3,553.96 480,000.00
GUNTERSVILLE AL 35976 2 03/24/00 11
0431950609 05 05/01/00 25
9115405 O 04/01/30
0
1979126 637/G02 F 84,150.00 ZZ
360 84,150.00 1
1000 BRITTANY DRIVE 9.500 707.58 90
9.250 707.58 93,500.00
DENTON TX 76201 1 03/21/00 11
0431950401 05 05/01/00 25
0020833075 O 04/01/30
0
1
1979354 134/G02 F 74,250.00 ZZ
360 74,250.00 3
212 E FULTON STREET 9.875 644.75 90
9.625 644.75 82,500.00
MICHIGAN CITY IN 46360 1 03/23/00 11
0431951458 05 05/01/00 25
10010494 N 04/01/30
0
1979391 665/G02 F 75,724.00 ZZ
360 75,724.00 1
9118 MOUNTAIN FIELD DRIVE 8.625 588.97 80
8.375 588.97 94,655.00
SAN ANTONIO TX 78240 1 03/29/00 00
0431954015 03 05/01/00 0
0021237952 O 04/01/30
0
1979403 665/G02 F 105,000.00 ZZ
360 105,000.00 1
990 CAMBRIDGE WAY 9.375 873.34 70
9.125 873.34 150,000.00
RENO NV 89511 1 03/27/00 00
0431955079 05 05/01/00 0
0001238115 N 04/01/30
0
1979685 369/G02 F 153,300.00 ZZ
360 153,300.00 1
1412 W OCEAN VIEW AVENUE B 8.375 1,165.20 70
8.125 1,165.20 221,000.00
NORFOLK VA 23503 1 03/13/00 00
0431958933 05 05/01/00 0
0071948327 N 04/01/30
0
1979707 637/G02 F 64,000.00 ZZ
360 64,000.00 1
2401 S ATLANTIC AVE 106A 8.875 509.22 63
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NEW SMYRNA FL 32169 5 03/15/00 00
0431954734 01 05/01/00 0
0019069889 N 04/01/30
0
1979731 637/G02 F 105,000.00 ZZ
360 105,000.00 1
1
3619 EAST FOXLAIR DRIVE 8.875 835.43 68
8.625 835.43 155,000.00
FLAGSTAFF AZ 86004 1 03/02/00 00
0431957463 05 05/01/00 0
0020020681 N 04/01/30
0
1979748 637/G02 F 208,000.00 ZZ
360 208,000.00 4
60 MAUJER ST 9.875 1,806.17 80
9.625 1,806.17 260,000.00
BROOKLYN NY 11212 1 03/22/00 00
0431959253 07 05/01/00 0
0013315593 O 04/01/30
0
1979791 G81/G02 F 77,250.00 ZZ
360 77,250.00 1
1251 E GOLFVIEW DRIVE 8.750 607.73 75
8.500 607.73 103,000.00
PEMBROKE PINES FL 33026 1 03/31/00 00
0431959071 09 05/01/00 0
200003040 O 04/01/30
0
2809218 E82/G02 F 129,400.00 ZZ
360 128,570.01 2
990-992 NORTH BOEHNING ST 8.375 983.53 90
8.125 983.53 145,000.00
INDIANAPOLIS IN 46219 1 05/20/99 04
0400201125 05 07/01/99 25
0400201125 N 06/01/29
0
2899949 K08/G02 F 116,100.00 ZZ
360 115,670.45 3
11-13 GLOVER PLACE 8.500 892.71 90
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MIDDLETOWN CT 06457 1 09/02/99 10
0431935675 05 11/01/99 25
0411583784 N 10/01/29
0
2948098 K15/G02 F 40,500.00 ZZ
360 40,322.94 1
407 EAST MAIN STREET 9.125 329.52 90
8.875 329.52 45,000.00
WILLIAMSTON SC 29697 1 07/26/99 10
0431578145 05 09/01/99 25
1
015705413508 O 08/01/29
0
2958504 638/G02 F 31,960.00 ZZ
360 31,858.63 2
606 NORTH EAST STREET 9.250 262.93 80
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ARLINGTON TX 76011 1 10/05/99 00
0431551076 05 11/01/99 0
08927395 N 10/01/29
0
3106111 074/G02 F 310,000.00 ZZ
360 309,259.97 1
5801 E PRINCETON AVENUE 8.625 2,411.15 45
8.375 2,411.15 699,950.00
ENGLEWOOD CO 80111 1 11/16/99 00
0431835289 03 01/01/00 0
1579122808 O 12/01/29
0
3109423 E22/G02 F 84,600.00 ZZ
360 84,474.18 1
443 WAYSIDE FARM ROAD 9.500 711.36 90
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HAVANA FL 32333 5 12/21/99 10
0411722507 27 02/01/00 25
0411722507 O 01/01/30
0
3110832 A78/G02 F 114,950.00 ZZ
360 114,779.00 1
2850 EAST AURORA AVENUE #110 9.500 966.57 95
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BOULDER CO 80303 1 12/17/99 14
0431745546 01 02/01/00 30
50000137 O 01/01/30
0
3117743 E86/G02 F 280,000.00 ZZ
360 279,460.66 1
2144 SIERRA WOOD DRIVE 8.250 2,103.55 80
8.000 2,103.55 350,000.00
SAN JOSE CA 95132 5 12/21/99 00
0431753730 05 02/01/00 0
51610104 O 01/01/30
0
1
3126370 F28/G02 F 525,000.00 ZZ
360 521,039.12 1
8157 ZITOLA TERRACE 8.000 3,852.26 75
7.750 3,852.26 700,000.00
PLAYA DEL REY CA 90293 5 08/27/99 00
0431774181 05 10/01/99 0
5081443 O 09/01/29
0
3126406 F28/G02 F 370,000.00 ZZ
360 368,863.28 1
6700 E MALCOMB DR 8.500 2,844.98 47
8.250 2,844.98 800,000.00
PARADISE VALLEY AZ 85253 5 10/27/99 00
0431774702 05 12/01/99 0
5205277 O 11/01/29
0
3141418 K15/G02 F 154,700.00 ZZ
360 154,437.90 1
22 FRANKLIN ST 8.875 1,230.86 86
8.625 1,230.86 180,000.00
UNION NJ 07088 5 12/21/99 10
0431780071 05 02/01/00 25
011005300443 O 01/01/30
0
3157532 637/G02 F 87,300.00 ZZ
360 87,180.03 3
242 NW 14TH STREET 9.875 758.07 90
9.625 758.07 97,000.00
POMPANO BEACH FL 33060 1 01/05/00 11
0431792779 05 02/01/00 25
0019057298 N 01/01/30
0
3168283 F42/G02 F 175,300.00 ZZ
360 174,848.20 2
40 LUDWIG LANE 8.250 1,316.98 95
8.000 1,316.98 184,550.00
STATEN ISLAND NY 10303 1 11/12/99 04
0431808906 05 01/01/00 30
SI00075 O 12/01/29
0
3169362 S48/429 F 360,000.00 ZZ
360 359,374.07 1
VIZCAINO AVE, 5NW FLANDERS WAY 8.750 2,832.13 55
8.500 2,832.13 660,000.00
1
CARMEL CA 93923 1 12/03/99 00
6253107061 05 02/01/00 0
6253107061 O 01/01/30
0
3169365 S48/S48 F 393,000.00 ZZ
360 385,098.25 1
21 WEST LOS OLIVOS STREET 8.250 2,952.48 57
8.000 2,952.48 693,000.00
SANTA BARBARA CA 93105 1 11/23/99 00
6577258905 05 02/01/00 0
6577258905 O 01/01/30
0
3171125 A06/G02 F 104,000.00 T
360 103,882.95 1
1419 S CROOKED LAKE ROAD 8.875 827.48 65
8.625 827.48 160,000.00
KALAMAZOO MI 49009 2 01/19/00 00
0431892199 05 03/01/00 0
010000010000681 O 02/01/30
0
3173497 074/G02 F 59,850.00 ZZ
360 59,782.65 4
2912 S 11TH STREET 8.875 476.19 95
8.625 476.19 63,000.00
MILWAUKEE WI 53215 1 01/07/00 10
0431835362 05 03/01/00 30
1671098359 O 02/01/30
0
3173507 074/G02 F 131,400.00 ZZ
360 131,255.90 4
113 NE 5TH STREET 9.000 1,057.28 90
8.750 1,057.28 146,000.00
POMPANO BEACH FL 33060 1 01/04/00 11
0431835438 05 03/01/00 25
1589403541 N 02/01/30
0
3173508 074/G02 F 131,400.00 ZZ
360 131,255.90 4
107 NE 5TH STREET 9.000 1,057.28 90
8.750 1,057.28 146,000.00
POMPANO BEACH FL 33060 1 01/04/00 14
0431835446 05 03/01/00 25
1589403530 N 02/01/30
0
1
3173513 074/G02 F 150,000.00 ZZ
360 149,839.75 4
208 3RD AVENUE SW 9.125 1,220.45 89
8.875 1,220.45 170,000.00
FOREST LAKE MN 55025 1 01/13/00 11
0431827278 05 03/01/00 25
1583265886 N 02/01/30
0
3173514 074/G02 F 158,950.00 ZZ
360 158,780.18 4
220 3RD AVENUE SW 9.125 1,293.27 85
8.875 1,293.27 187,000.00
FOREST LAKE MN 55025 1 01/13/00 14
0431827286 05 03/01/00 20
1583265875 N 02/01/30
0
3173531 074/G02 F 101,700.00 ZZ
360 101,585.53 4
44 NORTH ARLINGTON 8.875 809.18 90
8.625 809.18 113,000.00
AKRON OH 44305 1 01/10/00 10
0431835602 05 03/01/00 25
1581372230 N 02/01/30
0
3173532 074/G02 F 72,000.00 ZZ
360 71,887.14 4
3451 E 117TH STREET 9.250 592.33 90
9.000 592.33 80,000.00
CLEVELAND OH 44120 1 01/06/00 10
0431835610 05 02/01/00 25
1581369541 N 01/01/30
0
3173578 074/G02 F 320,000.00 ZZ
360 319,457.83 1
35890 SW ORCHID HILL 8.875 2,546.06 58
8.625 2,546.06 554,400.00
HILLSBORO OR 97123 5 12/21/99 00
0431835867 05 02/01/00 0
1395004660 O 01/01/30
0
3173595 074/074 F 400,000.00 ZZ
360 399,405.06 3
1
4202 HIGHLAND AVENUE 9.500 3,363.42 89
9.250 3,363.42 450,000.00
BROOKLYN NY 11224 1 12/23/99 14
1111335468 05 02/01/00 25
1111335468 O 01/01/30
0
3173596 074/074 F 236,250.00 ZZ
360 235,977.17 3
35-22 146TH STREET 8.750 1,858.58 75
8.500 1,858.58 315,000.00
FLUSHING NY 11354 1 01/07/00 00
1111323232 05 03/01/00 0
1111323232 N 02/01/30
0
3173951 K15/G02 F 115,000.00 ZZ
360 114,870.58 1
23444 VIEJAS GRADE 8.875 914.99 44
8.625 914.99 262,000.00
DESCANSO CA 91916 1 01/07/00 00
0431812304 05 03/01/00 0
3008509 O 02/01/30
0
3181471 286/286 F 153,000.00 ZZ
360 152,682.03 1
2216 SE 20 ST 7.875 1,109.36 48
7.625 1,109.36 323,000.00
FORT LAUDERDALE FL 33316 1 12/22/99 00
0009439607 05 02/01/00 0
0009439607 O 01/01/30
0
3184962 K08/G02 F 62,837.00 ZZ
360 62,768.10 1
7895 ANN ARBOR WAY 9.000 505.60 79
8.750 505.60 80,000.00
SACRAMENTO CA 95832 2 01/26/00 00
0411809387 05 03/01/00 0
0411809387 O 02/01/30
0
3188781 562/G02 F 296,600.00 ZZ
360 296,283.12 2
1642 MACE AVENUE 9.125 2,413.24 85
8.875 2,413.24 349,000.00
BRONX NY 10469 1 01/31/00 04
0431934181 05 03/01/00 25
1
603548 N 02/01/30
0
3193569 K08/G02 F 121,500.00 ZZ
360 121,392.05 1
6495 HAPPY CANYON ROAD, #3 10.000 1,066.25 90
9.750 1,066.25 135,000.00
DENVER CO 80237 5 01/31/00 10
0411797038 01 03/01/00 25
0411797038 O 02/01/30
0
3194674 420/G02 F 297,000.00 ZZ
360 296,837.77 4
4016 KANSAS STREET 9.000 2,389.73 90
8.750 2,389.73 330,000.00
OAKLAND CA 94619 1 01/31/00 11
0431839315 05 04/01/00 25
0000440750 N 03/01/30
0
3194697 405/405 F 380,000.00 ZZ
360 378,969.84 1
86 SKYLINE CIRCLE 8.000 2,788.31 75
7.750 2,788.31 512,000.00
SANTA BARBARA CA 93109 5 11/19/99 00
11383874 05 01/01/00 0
11383874 O 12/01/29
0
3194791 K15/G02 F 156,750.00 ZZ
360 156,582.53 4
1244 WALL AVENUE 9.125 1,275.37 95
8.875 1,275.37 165,000.00
SAN BERNARDINO CA 92404 1 01/12/00 11
0431850122 05 03/01/00 30
3008909 O 02/01/30
0
3197239 K08/G02 F 104,400.00 ZZ
360 104,353.82 1
115 MOUNTAIN OAK DRIVE 10.000 916.18 90
9.750 916.18 116,000.00
WETUMPKA AL 36093 5 02/02/00 04
0411779069 03 04/01/00 25
0411779069 O 03/01/30
0
1
3201205 T64/G02 F 325,000.00 ZZ
360 324,817.80 1
4743 EAST MOHAVE PLACE 8.875 2,585.85 54
8.625 2,585.85 610,000.00
PARADISE VALLEY AZ 85253 5 02/07/00 00
0431843135 05 04/01/00 0
391897 O 03/01/30
0
3201583 286/286 F 202,500.00 ZZ
360 202,289.23 2
3 DRAGON CT 9.250 1,665.92 90
9.000 1,665.92 225,000.00
WOBURN MA 01801 5 01/24/00 11
0009056740 05 03/01/00 25
0009056740 O 02/01/30
0
3201584 286/286 F 181,000.00 ZZ
360 180,749.97 1
16 MESQUITE PLACE 7.875 1,312.38 68
7.625 1,312.38 268,000.00
PALMYRA VA 22963 4 01/12/00 00
9387313 03 03/01/00 0
9387313 O 02/01/30
0
3201621 286/286 F 62,100.00 ZZ
360 62,041.81 4
2009 MAURY AVE 9.750 533.54 90
9.500 533.54 69,000.00
ST LOUIS MO 63110 1 01/14/00 10
0009983984 05 03/01/00 25
0009983984 N 02/01/30
0
3202887 K08/G02 F 161,500.00 ZZ
360 161,424.66 1
3918 SHERWOOD BLVD 9.750 1,387.53 95
9.500 1,387.53 170,000.00
DELRAY BEACH FL 33445 5 02/04/00 14
0411808017 03 04/01/00 30
0411808017 O 03/01/30
0
3211202 K08/G02 F 41,800.00 ZZ
360 41,777.75 2
103-105 S. SUGAR CREEK BLVD 9.125 340.10 50
8.875 340.10 84,000.00
1
SUGAR CREEK MO 64054 5 02/11/00 00
0411761661 05 04/01/00 0
0411761661 N 03/01/30
0
3213449 623/G02 F 356,250.00 ZZ
360 355,399.56 1
57375 POLE HOUSE LANE 8.625 2,770.88 75
8.375 2,770.88 475,000.00
SUNRIVER OR 97707 5 11/24/99 00
0431858224 03 01/01/00 0
6209713 N 12/01/29
0
3215640 F34/G02 F 33,600.00 ZZ
360 33,566.81 1
132 ALGONQUIN STREET 9.500 282.53 80
9.250 282.53 42,000.00
PARK FOREST IL 60466 1 02/01/00 00
0431865179 05 03/01/00 0
0000002 N 02/01/30
0
3216101 601/G02 F 114,000.00 ZZ
360 113,857.78 1
18 LA CANADA 8.375 866.49 64
8.125 866.49 180,000.00
ARROYO SECO NM 87514 2 01/31/00 00
0431873413 05 03/01/00 0
60157302 O 02/01/30
0
3217331 K08/G02 F 141,000.00 ZZ
360 140,928.79 1
3420 HENNEPIN AVENUE S 9.375 1,172.77 75
9.125 1,172.77 188,000.00
MINNEAPOLIS MN 55408 5 02/10/00 00
0411802713 05 04/01/00 0
0411802713 O 03/01/30
0
3217341 K08/G02 F 86,000.00 ZZ
360 85,957.70 1
5211 SW 104 AVENUE 9.500 723.13 64
9.250 723.13 136,000.00
MIAMI FL 33165 1 02/15/00 00
0411828718 05 04/01/00 0
0411828718 O 03/01/30
0
1
3217343 K08/G02 F 56,000.00 ZZ
360 55,974.55 4
3248-50 CALIFORNIA AVENUE 9.875 486.28 80
9.625 486.28 70,000.00
ST LOUIS MO 63118 1 02/15/00 00
0411835606 05 04/01/00 0
0411835606 N 03/01/30
0
3217781 196/G02 F 100,500.00 ZZ
360 100,403.32 1
431 SOUTH CENTRAL AVENUE 9.625 854.24 75
9.375 854.24 134,000.00
TRACY CA 95376 1 01/20/00 00
0431868645 05 03/01/00 0
1360420 N 02/01/30
0
3217827 196/G02 F 168,000.00 ZZ
360 167,850.72 1
6208 SEDONA DRIVE NE 10.000 1,474.33 80
9.750 1,474.33 210,000.00
ALBUQUERQUE NM 87111 2 01/21/00 00
0431858398 03 03/01/00 0
1351051 N 02/01/30
0
3217858 676/G02 F 201,700.00 ZZ
360 201,571.38 1
11 HAKU HALE PLACE 8.250 1,515.31 75
8.000 1,515.31 269,000.00
LAHAINA HI 96761 1 02/08/00 00
0431874296 03 04/01/00 0
300100327445 O 03/01/30
0
3217882 253/253 F 32,600.00 ZZ
360 31,996.50 1
1955 S IRVING ST 9.125 265.25 29
8.875 265.25 115,000.00
DENVER CO 80219 2 02/04/00 00
949143 05 03/01/00 0
949143 O 02/01/30
0
3217889 196/G02 F 168,000.00 ZZ
360 167,850.72 1
1
6212 SEDON DRIVE NE 10.000 1,474.33 80
9.750 1,474.33 210,000.00
ALBUQUERQUE NM 87111 2 01/21/00 00
0431858463 03 03/01/00 0
1351047 N 02/01/30
0
3217961 196/G02 F 54,150.00 ZZ
360 54,084.15 1
9254 FOREST LANE 8.500 416.37 92
UNIT 101 8.250 416.37 59,000.00
DALLAS TX 75023 1 01/25/00 10
0431866565 01 03/01/00 30
1359326 O 02/01/30
0
3218017 196/G02 F 60,000.00 ZZ
360 59,943.77 1
400 EAST BROADWAY STREET 9.750 515.50 80
9.500 515.50 75,000.00
GRANGER TX 76530 1 01/19/00 00
0431866631 05 03/01/00 0
1359083 N 02/01/30
0
3218052 196/G02 F 215,000.00 ZZ
360 214,798.56 1
22534 LATONIA COURT 9.750 1,847.19 80
9.500 1,847.19 272,000.00
RICHTON PARK IL 60471 2 01/28/00 00
0431858182 05 03/01/00 0
1361520 O 02/01/30
0
3218121 196/G02 F 60,000.00 ZZ
360 59,973.45 1
10731 SOUTH CHAMPLAIN AVENUE 10.000 526.55 80
9.750 526.55 75,000.00
CHICAGO IL 60628 5 02/04/00 00
0431858034 07 04/01/00 0
1358827 N 03/01/30
0
3218252 196/G02 F 60,000.00 ZZ
360 59,973.45 1
10904 SOUTH STATE STREET 10.000 526.55 80
9.750 526.55 75,000.00
CHICAGO IL 60628 5 02/04/00 00
0431857895 05 04/01/00 0
1
1358828 N 03/01/30
0
3218291 196/G02 F 120,000.00 ZZ
360 119,868.41 1
136 TOWER RIDGE ROAD NW 9.000 965.55 76
8.750 965.55 159,000.00
CARTERSVILLE GA 30120 1 01/28/00 00
0431858299 05 03/01/00 0
1359439 O 02/01/30
0
3218386 196/G02 F 176,000.00 ZZ
360 175,801.93 1
525 AMIGOS ROAD 8.875 1,400.34 80
8.625 1,400.34 220,000.00
RAMONA CA 92065 5 01/24/00 00
0431858315 05 03/01/00 0
1360793 O 02/01/30
0
3218401 E84/G02 F 55,500.00 ZZ
360 55,435.90 1
15242 SCOTT PLACE 8.750 436.62 59
8.500 436.62 95,500.00
LOXAHATCHEE FL 33470 1 01/26/00 00
0431855071 05 03/01/00 0
15500156 O 02/01/30
0
3218432 E84/G02 F 204,650.00 ZZ
360 204,458.27 1
410 EAST 5TH STREET UNIT 308 9.750 1,758.26 75
9.500 1,758.26 272,900.00
AUSTIN TX 78701 1 01/21/00 00
0431863232 01 03/01/00 0
32601116 N 02/01/30
0
3218699 E84/G02 F 37,600.00 ZZ
360 37,563.82 1
863 GUSTAV AVENUE 9.625 319.60 80
9.375 319.60 47,000.00
ST LOUIS MO 63147 5 01/24/00 00
0431854660 05 03/01/00 0
11901880 N 02/01/30
0
1
3218968 E84/G02 F 279,950.00 ZZ
360 279,754.42 1
18226 SOUTHEAST 128TH STREET 8.500 2,152.57 80
8.250 2,152.57 349,950.00
RENTON WA 98059 1 02/09/00 00
0431875921 05 04/01/00 0
61101600 O 03/01/30
0
3222636 E82/G02 F 307,350.00 ZZ
360 307,177.70 1
224 HICKORY LANE 8.875 2,445.41 90
8.625 2,445.41 341,500.00
HADDONFIELD NJ 08033 1 02/18/00 04
0400252953 05 04/01/00 25
0400252953 O 03/01/30
0
3225620 K08/G02 F 144,000.00 ZZ
360 143,932.82 4
3401 KENT STREET 9.750 1,237.18 90
9.500 1,237.18 160,000.00
METAIRIE LA 70006 1 02/17/00 01
0411790124 05 04/01/00 25
0411790124 N 03/01/30
0
3225625 K08/G02 F 166,500.00 ZZ
360 166,422.32 1
6520 EDGEWORTH DRIVE 9.750 1,430.49 90
9.500 1,430.49 185,000.00
ORLANDO FL 32819 1 02/17/00 11
0411814528 03 04/01/00 25
0411814528 O 03/01/30
0
3225626 K08/G02 F 96,750.00 ZZ
360 96,703.66 1
443 EAST 169TH STREET 9.625 822.36 75
9.375 822.36 129,000.00
SOUTH HOLLAND IL 60473 1 02/17/00 00
0411815392 05 04/01/00 0
0411815392 O 03/01/30
0
3226172 943/943 F 423,000.00 ZZ
353 421,522.86 1
1310 KILDARE CT 8.125 3,155.51 90
7.875 3,155.51 470,000.00
1
SNELLVILLE GA 30078 2 10/29/99 04
9080042771 05 12/01/99 25
9080042771 O 04/01/29
0
3226175 943/943 F 490,500.00 ZZ
360 489,015.35 1
17400 TARZANA STREET 8.250 3,684.97 90
8.000 3,684.97 545,000.00
LOS ANGELES CA 91316 1 12/17/99 14
9080046516 05 02/01/00 25
9080046516 O 01/01/30
0
3226178 943/943 F 261,000.00 ZZ
360 260,497.26 1
433 WEST ALDINE AVENUE 8.250 1,960.81 90
UNIT 14 8.000 1,960.81 290,000.00
CHICAGO IL 60657 1 12/20/99 14
9090097961 01 02/01/00 25
9090097961 O 01/01/30
0
3226710 196/G02 F 130,000.00 ZZ
360 129,857.45 1
16415 COLISEUM DRIVE 9.000 1,046.01 69
8.750 1,046.01 190,000.00
BATON ROUGE LA 70816 1 01/14/00 00
0431869270 05 03/01/00 0
1358987 O 02/01/30
0
3226716 196/G02 F 80,100.00 ZZ
360 80,016.62 1
4232 RIVERSIDE DRIVE 9.250 658.97 62
9.000 658.97 130,000.00
CRYSTAL LAKE IL 60014 5 01/26/00 00
0431864362 03 03/01/00 0
1360411 O 02/01/30
0
3226845 196/G02 F 177,650.00 ZZ
360 177,474.54 1
2 AZUL LOOP 9.500 1,493.78 80
9.250 1,493.78 222,100.00
SANTA FE NM 87505 1 01/31/00 00
0431869387 03 03/01/00 0
1361984 O 02/01/30
0
1
3226905 196/G02 F 145,000.00 ZZ
360 144,823.68 2
1534 NORTH 36TH AVENUE 8.500 1,114.93 75
8.250 1,114.93 195,000.00
MELROSE PARK IL 60160 5 01/07/00 00
0431868694 05 03/01/00 0
1359293 O 02/01/30
0
3226930 196/G02 F 45,000.00 ZZ
360 44,956.70 1
1211 RUSSWOOD ROAD 9.625 382.50 90
9.375 382.50 50,000.00
MEMPHIS TN 38122 1 01/14/00 10
0431869361 05 03/01/00 25
1357512 O 02/01/30
0
3226996 196/G02 F 53,250.00 ZZ
360 53,198.77 2
1889 91 WEST 65TH STREET 9.625 452.62 75
9.375 452.62 71,000.00
CLEVELAND OH 44102 1 01/14/00 00
0431868942 05 03/01/00 0
1360185 N 02/01/30
0
3227064 196/G02 F 59,200.00 ZZ
360 59,141.53 1
9324 SOUTH MARQUETTE AVENUE 9.500 497.79 80
9.250 497.79 74,000.00
CHICAGO IL 60617 1 01/19/00 00
0431865781 05 03/01/00 0
1359361 N 02/01/30
0
3227120 196/G02 F 216,000.00 ZZ
360 215,744.02 1
23155 MINERS ROAD 8.625 1,680.03 80
8.375 1,680.03 270,000.00
PERRIS CA 92570 5 01/19/00 00
0431870765 03 03/01/00 0
1358791 O 02/01/30
0
3227359 A06/G02 F 112,800.00 ZZ
360 112,738.38 1
1
1016 SMITH 9.000 907.62 80
8.750 907.62 141,000.00
BIRMINGHAM MI 48009 2 02/15/00 00
0431901875 05 04/01/00 0
001000010003607 N 03/01/30
0
3227378 736/G02 F 123,600.00 ZZ
360 123,528.88 1
5744 EAST CREEKSIDE AVENUE 8.750 972.37 80
8.500 972.37 154,500.00
ORANGE CA 92689 1 02/03/00 00
0431894591 01 04/01/00 0
0100275148 O 03/01/30
0
3227448 196/G02 F 277,000.00 ZZ
360 276,680.08 2
4650-4652 SNEAD DRIVE 8.750 2,179.17 67
8.500 2,179.17 415,000.00
SANTA CLARA CA 95054 5 01/25/00 00
0431870799 05 03/01/00 0
1359809 N 02/01/30
0
3227665 736/G02 F 225,700.00 ZZ
360 225,559.71 1
29401 MOUNT RICHMOND ROAD 8.375 1,715.49 74
8.125 1,715.49 308,000.00
GASTON OR 97119 2 02/09/00 00
0431893981 05 04/01/00 0
0100422260 O 03/01/30
0
3227806 736/G02 F 344,800.00 ZZ
360 344,634.81 1
13610 GLENOAKS BOULEVARD 9.625 2,930.77 80
9.375 2,930.77 431,000.00
LOS ANGELES CA 91342 1 02/08/00 00
0431895127 05 04/01/00 0
0100396753 O 03/01/30
0
3227856 736/G02 F 156,000.00 ZZ
360 155,905.49 1
1407 WALNUT STREET 8.500 1,199.51 80
8.250 1,199.51 195,000.00
SAN GABRIEL CA 91776 1 02/01/00 00
0431894351 05 04/01/00 0
1
0100390939 O 03/01/30
0
3227885 736/G02 F 110,400.00 ZZ
360 110,265.75 1
14711 SOUTH NORMANDIE AVENUE 8.500 848.89 80
#7 8.250 848.89 138,000.00
GARDENA CA 90247 1 01/28/00 00
0431894377 01 03/01/00 0
0100345446 O 02/01/30
0
3227911 736/G02 F 171,900.00 ZZ
360 171,803.62 2
20523 POPLAR WAY 8.875 1,367.72 80
8.625 1,367.72 214,950.00
LYNNWOOD WA 98036 1 02/04/00 00
0431894575 05 04/01/00 0
0100406743 O 03/01/30
0
3227942 736/G02 F 110,300.00 ZZ
360 110,239.75 1
279 FLAME TREE PLACE 9.000 887.50 80
8.750 887.50 137,900.00
OCEANSIDE CA 92057 1 02/09/00 00
0431894658 03 04/01/00 0
0100409861 O 03/01/30
0
3228103 736/G02 F 99,900.00 ZZ
360 99,846.84 1
3615 VISTA BELLA UNIT 8 9.125 812.82 80
8.875 812.82 124,900.00
OCEANSIDE CA 92057 1 02/08/00 00
0431894641 09 04/01/00 0
0100397660 O 03/01/30
0
3228149 736/G02 F 82,000.00 ZZ
360 81,951.59 1
BOX 185 RR2 ROUTE 26 8.625 637.79 69
8.375 637.79 120,000.00
DAGSBORO DE 19939 5 02/09/00 00
0431875913 05 04/01/00 0
0100282342 O 03/01/30
0
1
3228884 K08/G02 F 143,650.00 ZZ
360 143,586.45 4
7433 TIARA WAY 10.000 1,260.63 90
9.750 1,260.63 159,650.00
CITRUS HEIGHTS CA 95610 1 02/14/00 04
0411787203 05 04/01/00 25
0411787203 N 03/01/30
0
3228911 K08/G02 F 94,500.00 ZZ
360 94,454.73 1
8140 S. ARTESIAN 9.625 803.24 90
9.375 803.24 105,000.00
CHICAGO IL 60652 1 02/18/00 01
0411829948 05 04/01/00 25
0411829948 O 03/01/30
0
3229024 736/G02 F 135,000.00 ZZ
360 134,737.50 1
35513 REESE ROAD 8.500 1,038.04 70
8.250 1,038.04 195,000.00
SULTAN WA 98294 5 01/28/00 00
0431895069 05 03/01/00 0
0100349968 O 02/01/30
0
3229466 736/G02 F 85,600.00 ZZ
360 85,549.46 1
1489 GUSTAVO STREET UNIT C 8.625 665.79 80
8.375 665.79 107,000.00
EL CAJON CA 92019 1 02/03/00 00
0431894096 01 04/01/00 0
0100441971 O 03/01/30
0
3229962 736/G02 F 120,800.00 ZZ
360 120,742.13 1
1714 SCHUBERT COURT 9.625 1,026.79 80
9.375 1,026.79 151,000.00
GLENDALE HEIGHT IL 60139 1 02/08/00 00
0431894864 05 04/01/00 0
0100453794 O 03/01/30
0
3229976 736/G02 F 98,000.00 ZZ
360 97,945.05 1
24704 ALPINE ROAD 8.875 779.74 54
8.625 779.74 183,000.00
1
MONROE OR 97456 5 02/01/00 00
0431894781 05 04/01/00 0
0100445360 O 03/01/30
0
3230156 736/G02 F 92,800.00 ZZ
360 92,746.61 1
3849 BELLVIEW ROAD 8.750 730.06 80
8.500 730.06 116,000.00
SCHECKSVILLE PA 18078 2 01/29/00 00
0431895119 05 04/01/00 0
0100384684 O 03/01/30
0
3230298 196/G02 F 61,600.00 ZZ
360 61,540.73 1
18619 RIDGEDALE DRIVE 9.625 523.60 80
9.375 523.60 77,000.00
MADERA CA 93638 1 01/18/00 00
0431869155 05 03/01/00 0
1360778 N 02/01/30
0
3230321 637/G02 F 54,200.00 ZZ
360 54,174.03 1
416 SIXTH STREET 9.625 460.70 70
9.375 460.70 77,500.00
PHILIPSBURG PA 16866 1 02/08/00 00
0431892173 05 04/01/00 0
0014554273 N 03/01/30
0
3230397 196/G02 F 142,500.00 ZZ
360 142,355.50 1
341 GREENS VIEW DRIVE 9.375 1,185.25 56
9.125 1,185.25 257,500.00
ALGONQUIN IL 60102 1 01/28/00 00
0431869163 05 03/01/00 0
1360680 O 02/01/30
0
3230448 196/G02 F 46,800.00 ZZ
360 46,751.29 1
1116 NORTH MALLORY STREET 9.250 385.01 90
9.000 385.01 52,000.00
HAMPTON VA 23663 1 01/10/00 10
0431869098 05 03/01/00 25
1358596 N 02/01/30
0
1
3230695 B42/G02 F 85,000.00 ZZ
360 84,802.22 1
5166 A KIPULU PLACE 8.750 668.70 49
8.500 668.70 175,000.00
LAHAINA HI 96761 5 11/18/99 00
0431876523 03 01/01/00 0
99H35606 O 12/01/29
0
3230801 736/G02 F 83,900.00 ZZ
360 83,800.57 1
7890 EAST SPRING STREET #4B 8.625 652.57 80
8.375 652.57 104,900.00
LONG BEACH CA 90815 1 01/31/00 00
0431895051 02 03/01/00 0
0100416577 O 02/01/30
0
3230937 736/G02 F 114,400.00 ZZ
360 114,012.42 1
8032 SOUTHEAST BOISE STREET 8.625 889.80 80
8.375 889.80 143,000.00
PORTLAND OR 97206 5 01/31/00 00
0431894120 05 03/01/00 0
0100384171 O 02/01/30
0
3231004 736/G02 F 75,500.00 ZZ
360 75,458.75 1
2186 WEST 5100 SOUTH 9.000 607.50 80
8.750 607.50 95,000.00
ROY UT 84067 1 02/10/00 00
0431876093 05 04/01/00 0
0100466093 O 03/01/30
0
3231162 736/G02 F 315,000.00 ZZ
360 314,809.17 1
5512 THUNDERBIRD LANE 8.500 2,422.08 52
8.250 2,422.08 615,000.00
SAN DIEGO CA 92037 2 02/01/00 00
0431894088 05 04/01/00 0
0100414580 O 03/01/30
0
3232040 K08/G02 F 43,000.00 ZZ
360 42,979.94 1
1
5909 WINIFRED DRIVE 9.750 369.44 51
9.500 369.44 85,000.00
FORT WORTH TX 76133 5 02/16/00 00
0411782410 05 04/01/00 0
0411782410 O 03/01/30
0
3232043 K08/G02 F 186,000.00 ZZ
360 185,906.08 1
806 MOORE ROAD 9.375 1,547.05 62
9.125 1,547.05 300,000.00
MANSFIELD TX 76063 5 02/15/00 00
0411806557 05 04/01/00 0
0411806557 O 03/01/30
0
3232044 K08/G02 F 66,400.00 ZZ
360 66,366.47 1
99 SAINT PHILLIP STREET 9.375 552.28 95
UNIT #305 9.125 552.28 69,900.00
CHARLESTON SC 29403 1 02/22/00 14
0411807217 01 04/01/00 30
0411807217 O 03/01/30
0
3232047 K08/G02 F 108,000.00 ZZ
360 107,946.88 4
1301 QUAIL CIRCLE 9.500 908.12 90
9.250 908.12 120,000.00
KILLEEN TX 76541 1 02/18/00 14
0411813108 05 04/01/00 25
0411813108 N 03/01/30
0
3232052 K08/G02 F 85,500.00 ZZ
360 85,461.15 4
215 FOREST AVENUE 9.875 742.44 90
9.625 742.44 95,000.00
CINCINNATI OH 45229 1 02/22/00 04
0411821796 05 04/01/00 25
0411821796 N 03/01/30
0
3232053 K08/G02 F 45,000.00 ZZ
360 44,978.44 1
1500 NW 66 TERR 9.625 382.50 60
9.375 382.50 75,000.00
MARGATE FL 33063 5 02/16/00 00
0411821804 05 04/01/00 0
1
0411821804 O 03/01/30
0
3232059 K08/G02 F 292,300.00 ZZ
360 292,148.47 1
521 SAN JUAN DRIVE 9.250 2,404.68 65
9.000 2,404.68 450,000.00
CORAL GABLES FL 33143 5 02/15/00 00
0411825425 05 04/01/00 0
0411825425 O 03/01/30
0
3232067 K08/G02 F 231,000.00 ZZ
360 230,867.10 4
1857 SOUTH 500 EAST UNIT A-D 8.750 1,817.28 90
8.500 1,817.28 256,700.00
SALT LAKE CITY UT 84105 1 02/22/00 01
0411834476 05 04/01/00 25
0411834476 N 03/01/30
0
3232201 736/G02 F 157,500.00 ZZ
360 157,062.12 4
471 FLORIDA AVENUE N W 7.875 1,141.99 90
7.625 1,141.99 175,000.00
WASHINGTON DC 20001 1 12/01/99 10
0431893817 05 01/01/00 25
100012707 O 12/01/29
0
3232202 736/G02 F 199,550.00 ZZ
360 199,325.43 1
31525 STONEY CREEK DRIVE 8.875 1,587.71 80
8.625 1,587.71 249,435.00
LAKE ELSINORE CA 92532 1 01/28/00 00
0431894484 05 03/01/00 0
100060094 O 02/01/30
0
3232203 736/G02 F 119,600.00 ZZ
360 119,529.39 1
1306 LOS LENTES 8.625 930.24 80
8.375 930.24 149,500.00
LOS LUNAS NM 87031 2 02/01/00 00
0431894237 05 04/01/00 0
100252170 O 03/01/30
0
1
3232204 736/G02 F 200,000.00 ZZ
360 199,896.31 1
10837 RAMPART LANE 9.250 1,645.36 80
9.000 1,645.36 250,000.00
LITTLETON CO 80125 1 02/04/00 00
0431894617 05 04/01/00 0
100258805 O 03/01/30
0
3232205 736/G02 F 169,000.00 ZZ
360 168,902.76 1
2505 CENTER ROAD 8.750 1,329.53 49
8.500 1,329.53 350,000.00
NOVATO CA 94947 5 02/03/00 00
0431894203 05 04/01/00 0
100274042 O 03/01/30
0
3232209 736/G02 F 98,400.00 ZZ
360 98,348.98 1
2703 TOPLEY AVENUE 9.250 809.52 80
9.000 809.52 123,000.00
LAS CRUCES NM 88005 2 02/04/00 00
0431894799 05 04/01/00 0
100296623 O 03/01/30
0
3232210 736/G02 F 194,520.00 ZZ
360 194,246.50 1
6850 STERLING DRIVE 9.250 1,600.27 80
9.000 1,600.27 243,150.00
SUWANEE GA 30024 1 01/28/00 00
0431895168 03 03/01/00 0
100343391 O 02/01/30
0
3232213 736/G02 F 137,000.00 ZZ
360 136,917.00 1
902 DUNLIN FIELDS DRIVE 8.500 1,053.42 77
8.250 1,053.42 180,000.00
LAWRENCEVILLE GA 30044 2 02/07/00 00
0431894492 03 04/01/00 0
100350438 O 03/01/30
0
3232214 736/G02 F 192,250.00 ZZ
360 192,136.49 1
16125 VASQUEZ WAY 8.625 1,495.31 76
8.375 1,495.31 255,000.00
1
CANYON COUNTRY CA 91351 1 02/02/00 00
0431895143 05 04/01/00 0
100359686 O 03/01/30
0
3232215 736/G02 F 223,200.00 ZZ
360 222,942.22 1
14018 YORK AVENUE 8.750 1,755.92 80
8.500 1,755.92 279,000.00
POWAY CA 92064 1 01/28/00 00
0431894716 05 03/01/00 0
100361823 O 02/01/30
0
3232216 736/G02 F 680,000.00 T
360 679,214.67 1
1271 PASEO LADERA 8.750 5,349.57 80
8.500 5,349.57 850,000.00
ARROYO GRANDE CA 93420 1 01/20/00 00
0431894021 05 03/01/00 0
100362664 O 02/01/30
0
3232217 736/G02 F 108,000.00 ZZ
360 107,875.27 1
2482 ZACHERY WOODS DRIVE 8.750 849.64 80
8.500 849.64 135,000.00
MARIETTA GA 30064 1 01/31/00 00
0431873157 05 03/01/00 0
100363258 O 02/01/30
0
3232218 736/G02 F 241,600.00 ZZ
360 241,313.67 1
33 SHORECLIFF 8.625 1,879.15 80
8.375 1,879.15 302,000.00
ALISO VIEJO ARE CA 92656 5 01/24/00 00
0431894633 03 03/01/00 0
100363811 O 02/01/30
0
3232219 736/G02 F 70,000.00 ZZ
360 69,959.72 1
1498 OVERTON DRIVE 8.750 550.70 67
8.500 550.70 105,000.00
MINERAL VA 23117 5 02/02/00 00
0431894955 03 04/01/00 0
100364132 O 03/01/30
0
1
3232221 736/G02 F 100,000.00 ZZ
360 99,890.33 1
5 EVERGREEN LANE 9.000 804.63 80
8.750 804.63 125,000.00
FESTUS MO 63028 1 02/04/00 00
0431894815 03 03/01/00 0
100368331 O 02/01/30
0
3232222 736/G02 F 85,400.00 ZZ
360 85,296.15 1
780 GAILEEN WAY 8.500 656.66 70
8.250 656.66 122,000.00
HARRISBURG OR 97446 5 02/02/00 00
0431875814 05 03/01/00 0
100372325 O 02/01/30
0
3232223 736/G02 F 113,200.00 ZZ
360 113,069.26 1
9227 FLORENCE AVE UNIT 28 8.750 890.55 80
8.500 890.55 141,500.00
DOWNEY CA 90240 1 01/12/00 00
0431894294 01 03/01/00 0
100372549 O 02/01/30
0
3232224 736/G02 F 137,000.00 ZZ
360 136,921.18 1
5645 EAST VAN DUSEN ROAD 8.750 1,077.78 78
8.500 1,077.78 176,500.00
HARRISON ID 83833 2 02/04/00 00
0431893858 05 04/01/00 0
100372572 O 03/01/30
0
3232225 736/G02 F 85,000.00 ZZ
360 84,949.81 1
1248 U.S. HIGHWAY 46 8.625 661.13 57
8.375 661.13 150,000.00
GOODING ID 83330 5 02/07/00 00
0431895002 05 04/01/00 0
100376946 O 03/01/30
0
3232226 736/G02 F 208,000.00 ZZ
360 207,883.38 1
1
212 FIRELIGHT COURT 8.875 1,654.95 80
8.625 1,654.95 260,000.00
SANTA ROSA CA 95403 1 02/08/00 00
0431894971 03 04/01/00 0
100377480 O 03/01/30
0
3232227 736/G02 F 99,350.00 ZZ
360 99,292.84 1
12205 BISHOPSFORD DRIVE 8.750 781.59 80
8.500 781.59 124,205.00
TAMPA FL 33626 1 02/08/00 00
0431895135 03 04/01/00 0
100379627 O 03/01/30
0
3232229 736/G02 F 120,000.00 ZZ
360 119,861.40 1
7661 HILLHAVEN COURT 8.750 944.05 80
8.500 944.05 150,000.00
ANTELOPE CA 95843 1 01/27/00 00
0431895010 05 03/01/00 0
100384395 O 02/01/30
0
3232231 736/G02 F 523,600.00 ZZ
360 523,266.11 1
50 COLONY CROSSING 8.250 3,933.64 80
8.000 3,933.64 654,583.00
EDGEWATER MD 21037 2 02/04/00 00
0431894427 02 04/01/00 0
100385715 O 03/01/30
0
3232235 736/G02 F 105,000.00 ZZ
360 104,875.57 1
8940 11TH AVE SOUTH 8.625 816.68 79
8.375 816.68 134,000.00
BLOOMINGTON MN 55420 2 02/01/00 00
0431894450 05 03/01/00 0
100396860 O 02/01/30
0
3232243 736/G02 F 125,000.00 ZZ
360 124,928.08 1
1938 VERDUGO KNOLLS DRIVE 8.750 983.38 27
8.500 983.38 475,000.00
GLENDALE CA 91208 5 02/09/00 00
0431894740 05 04/01/00 0
1
100418425 O 03/01/30
0
3232244 736/G02 F 130,000.00 ZZ
360 129,925.20 1
3662 WEST 8070 SOUTH 8.750 1,022.72 76
8.500 1,022.72 172,000.00
WEST JORDAN UT 84088 2 02/08/00 00
0431894419 05 04/01/00 0
100421296 O 03/01/30
0
3232246 736/G02 F 278,400.00 ZZ
360 278,247.93 1
3838 ALBATROSS STREET 9.000 2,240.07 68
8.750 2,240.07 410,000.00
SAN DIEGO CA 92103 5 02/03/00 00
0431893973 05 04/01/00 0
100424886 O 03/01/30
0
3232248 736/G02 F 499,850.00 ZZ
360 499,569.77 1
540 PACIFIC ROAD 8.875 3,977.04 80
8.625 3,977.04 624,858.00
CORONA CA 91719 1 02/01/00 00
0431894997 05 04/01/00 0
100427632 O 03/01/30
0
3232249 736/G02 F 121,600.00 ZZ
360 121,528.20 1
12-A BENT TREE COURT 8.625 945.80 80
8.375 945.80 152,000.00
WATSONVILLE CA 95076 1 02/03/00 00
0431894625 01 04/01/00 0
100429190 O 03/01/30
0
3232250 736/G02 F 148,000.00 ZZ
360 147,837.69 1
1307 WEST MORNING VISTA DRIVE 9.000 1,190.85 80
8.750 1,190.85 185,000.00
TAYLORSVILLE UT 84123 2 02/02/00 00
0431893866 05 03/01/00 0
100430719 O 02/01/30
0
1
3232254 736/G02 F 50,000.00 ZZ
360 49,969.71 1
13164 LINCOLN WAY 8.500 384.46 40
8.250 384.46 127,000.00
AUBURN CA 95603 5 02/02/00 00
0431894328 05 04/01/00 0
100441500 O 03/01/30
0
3232258 736/G02 F 134,400.00 ZZ
360 134,322.67 1
107 DEL PRESIDENTE 8.750 1,057.33 80
8.500 1,057.33 170,000.00
SAN CLEMENTE CA 92672 1 02/07/00 00
0431894153 01 04/01/00 0
100446897 O 03/01/30
0
3232261 736/G02 F 215,950.00 ZZ
360 215,825.76 1
200 BRIGHTON DRIVE 8.750 1,698.88 80
8.500 1,698.88 269,950.00
VALLEJO CA 94591 1 02/03/00 00
0431894062 05 04/01/00 0
100456011 O 03/01/30
0
3232262 736/G02 F 176,900.00 ZZ
360 176,790.04 1
1615 WEST CRIS AVENUE 8.375 1,344.57 77
8.125 1,344.57 230,000.00
ANAHEIM CA 92802 2 02/03/00 00
0431894195 05 04/01/00 0
100460468 O 03/01/30
0
3232263 736/G02 F 392,000.00 ZZ
360 391,785.87 1
45850 VIA VAQUERO ROAD 9.000 3,154.13 70
8.750 3,154.13 560,000.00
TEMECULA CA 92590 5 02/03/00 00
0431893825 03 04/01/00 0
100464072 O 03/01/30
0
3232264 736/G02 F 65,000.00 ZZ
360 64,960.62 1
29057 PEBBLE BEACH DRIVE 8.500 499.80 60
8.250 499.80 109,000.00
1
SUN CITY CA 92586 5 02/04/00 00
0431894823 05 04/01/00 0
100465723 O 03/01/30
0
3232266 736/G02 F 105,600.00 ZZ
360 105,542.31 1
11315 PARKGREEN LANE 9.000 849.69 80
8.750 849.69 132,000.00
GARDEN GROVE CA 92843 1 02/08/00 00
0431894518 01 04/01/00 0
100470079 O 03/01/30
0
3232267 736/G02 F 196,000.00 ZZ
360 195,890.11 1
6555 W. 91ST. ST. 8.875 1,559.47 80
8.625 1,559.47 245,000.00
OAK LAWN IL 60453 2 02/07/00 00
0431894005 05 04/01/00 0
100470673 O 03/01/30
0
3232268 736/G02 F 128,000.00 ZZ
360 127,924.42 1
0094 ASPEN CIRCLE 8.625 995.58 60
8.375 995.58 215,000.00
SOUTH FORK CO 81154 2 02/09/00 00
0431894922 05 04/01/00 0
100476431 O 03/01/30
0
3232269 736/G02 F 75,500.00 ZZ
360 75,457.67 2
8646 SOUTH 60 EAST 8.875 600.72 59
8.625 600.72 129,000.00
SANDY UT 84070 5 02/09/00 00
0431894989 02 04/01/00 0
100491588 O 03/01/30
0
3232396 736/G02 F 120,000.00 ZZ
360 119,932.72 1
1515 MORAGA DRIVE 8.875 954.78 80
8.625 954.78 150,000.00
SANTA ROSA CA 95404 1 02/01/00 00
0431894039 05 04/01/00 0
0100417294 O 03/01/30
0
1
3232415 736/G02 F 100,000.00 ZZ
360 99,939.41 1
2206 VIRGIN WOOD SE 8.500 768.92 77
8.250 768.92 130,000.00
RIO RANCHO NM 87124 2 02/03/00 00
0431876176 05 04/01/00 0
0100449396 O 03/01/30
0
3234279 637/G02 F 115,200.00 ZZ
360 115,094.89 1
575 SUNCOOK VALLEY HWY 9.875 1,000.34 90
9.625 1,000.34 128,000.00
EPSOM NH 03234 1 02/01/00 01
0431872191 05 03/01/00 25
0016660193 N 02/01/30
0
3235395 K08/G02 F 102,750.00 ZZ
360 102,703.32 4
3107 6TH STREET NORTH 9.875 892.23 79
9.625 892.23 131,000.00
MINNEAPOLIS MN 55411 2 02/23/00 00
0411809346 05 04/01/00 0
0411809346 N 03/01/30
0
3235400 K08/G02 F 158,000.00 ZZ
360 157,913.70 1
10 GOLD CREEK CROSSING 9.000 1,271.30 80
8.750 1,271.30 198,000.00
BLACK MOUNTAIN NC 28711 2 02/17/00 00
0411821895 05 04/01/00 0
0411821895 O 03/01/30
0
3235412 K08/G02 F 83,500.00 ZZ
360 83,456.72 1
11505 KNOLLPARK DRIVE 9.250 686.93 63
9.000 686.93 133,500.00
AUSTIN TX 78758 1 02/23/00 00
0411840143 05 04/01/00 0
0411840143 O 03/01/30
0
3235983 E82/G02 F 45,400.00 ZZ
360 45,377.67 3
1
140-142 LILAC STREET 9.500 381.75 88
9.250 381.75 52,000.00
SYRACUSE NY 13208 1 02/28/00 04
0400252441 05 04/01/00 25
0400252441 N 03/01/30
0
3235989 E82/G02 F 84,100.00 ZZ
360 84,051.61 1
2100 PARKWAY AVENUE 8.750 661.62 80
8.500 661.62 105,175.00
SHAKOPEE MN 55379 1 02/24/00 00
0400182952 01 04/01/00 0
0400182952 O 03/01/30
0
3236995 K88/G02 F 260,000.00 ZZ
360 259,872.10 1
16 LAURENCE COURT 9.500 2,186.23 73
9.250 2,186.23 359,000.00
CLOSTER NJ 07624 2 02/18/00 00
0431872993 05 04/01/00 0
25049 O 03/01/30
0
3237876 737/G02 F 31,500.00 ZZ
360 31,500.00 2
1558 - 1562 SOUTH 13TH STREET 9.875 273.53 90
9.625 273.53 35,000.00
MILWAUKEE WI 53204 1 03/07/00 12
0431922830 05 05/01/00 25
963476 N 04/01/30
0
3238890 K08/G02 F 43,500.00 ZZ
360 43,480.24 3
1528 N. TACOMA ST 9.875 377.73 75
9.625 377.73 58,000.00
INDIANAPOLIS IN 46201 5 02/24/00 00
0411831464 05 04/01/00 0
0411831464 N 03/01/30
0
3239001 696/G02 F 280,000.00 ZZ
360 279,830.37 1
6186 TREYWOOD LANE 8.500 2,152.96 71
8.250 2,152.96 396,786.00
MANASSAS VA 20112 1 02/25/00 00
0431873975 03 04/01/00 0
1
22399111 O 03/01/30
0
3239061 E82/G02 F 660,000.00 ZZ
360 659,675.36 3
126 SOUTH OXFORD STREET 9.500 5,549.64 90
9.250 5,549.64 735,000.00
BROOKLYN NY 11217 1 02/29/00 04
0400255006 05 04/01/00 25
0400255006 O 03/01/30
0
3240148 G52/G02 F 130,400.00 ZZ
360 130,334.15 3
907 EAST 7TH STREET 9.375 1,084.60 80
9.125 1,084.60 163,000.00
TUCSON AZ 85719 2 02/11/00 00
0431892363 05 04/01/00 0
95000213 N 03/01/30
0
3240919 076/076 F 21,600.00 ZZ
360 21,576.93 1
12363 ABRAMS ROAD #534 9.125 175.74 90
8.875 175.74 24,000.00
DALLAS TX 75243 1 01/27/00 12
6770363 01 03/01/00 25
6770363 N 02/01/30
0
3240920 076/076 F 21,600.00 ZZ
360 21,576.93 1
12363 ABRAMS ROAD UNIT #535 9.125 175.74 90
8.875 175.74 24,000.00
DALLAS TX 75243 1 01/27/00 10
6770364 01 03/01/00 25
6770364 N 02/01/30
0
3240921 076/076 F 21,600.00 ZZ
360 21,576.93 1
12363 ABRAMS ROAD UNITE #633 9.125 175.74 90
8.875 175.74 24,000.00
DALLAS TX 75243 1 01/27/00 12
6770365 01 03/01/00 25
6770365 N 02/01/30
0
1
3240922 076/076 F 21,600.00 ZZ
360 21,576.93 1
12363 ABRAMS RD #636 9.125 175.74 90
8.875 175.74 24,000.00
DALLAS TX 75243 1 01/27/00 10
6770366 01 03/01/00 25
6770366 N 02/01/30
0
3240923 076/076 F 21,600.00 ZZ
360 21,576.93 1
12375 ABRAMS ROAD #724 9.125 175.74 90
8.875 175.74 24,000.00
DALLAS TX 75243 1 01/27/00 12
6770367 01 03/01/00 25
6770367 N 02/01/30
0
3240924 076/076 F 56,000.00 ZZ
360 55,936.96 1
5341 BROOKFIELD CIRCLE 8.875 445.57 23
8.625 445.57 251,542.00
ROCKLIN CA 95677 1 01/13/00 00
8866276 05 03/01/00 0
8866276 O 02/01/30
0
3240925 076/076 F 74,700.00 ZZ
360 74,615.93 1
31270 JOHN WALLACE ROAD 8.875 594.35 90
UNIT 311 8.625 594.35 83,000.00
EVERGREEN CO 80439 1 01/31/00 10
9331307 01 03/01/00 25
9331307 N 02/01/30
0
3240926 076/076 F 150,000.00 ZZ
360 149,835.51 1
78 MARSHALL STREET 9.000 1,206.94 56
8.750 1,206.94 270,000.00
PAXTON MA 01612 2 01/27/00 00
9399025 05 03/01/00 0
9399025 O 02/01/30
0
3240927 076/076 F 115,000.00 ZZ
360 114,883.40 2
26105 CANAL ROAD 9.375 956.51 79
9.125 956.51 146,000.00
1
ORANGE BEACH AL 36561 2 01/28/00 00
9459755 05 03/01/00 0
9459755 N 02/01/30
0
3240928 076/076 F 250,000.00 ZZ
360 249,542.43 1
1137 W BECK LANE 8.500 1,922.28 80
8.250 1,922.28 315,000.00
PHOENIX AZ 85023 5 12/23/99 00
9533103 05 02/01/00 0
9533103 O 01/01/30
0
3240929 076/076 F 210,000.00 ZZ
360 209,581.01 1
4283 AUTUMN RIDGE 8.625 1,633.36 70
8.375 1,633.36 300,000.00
SAGINAW MI 48603 1 01/21/00 00
9647328 05 03/01/00 0
9647328 O 02/01/30
0
3240931 076/076 F 75,400.00 ZZ
360 75,298.57 1
12 CHARLES CIRCLE 9.375 627.14 65
9.125 627.14 116,000.00
HIGHGATE CENTER VT 05459 5 01/31/00 00
9987725 05 03/01/00 0
9987725 N 02/01/30
0
3240932 076/076 F 129,600.00 ZZ
360 129,468.59 2
2 CHARLES CIRCLE 9.375 1,077.95 80
9.125 1,077.95 162,000.00
HIGHGATE CENTER VT 05459 2 01/31/00 00
9987727 05 03/01/00 0
9987727 N 02/01/30
0
3240933 076/076 F 216,400.00 ZZ
360 216,150.09 1
12 CONRAD COURT 8.750 1,702.42 80
8.500 1,702.42 270,525.00
BAYVILLE NJ 08721 1 01/20/00 00
1743673 03 03/01/00 0
1743673 O 02/01/30
0
1
3242096 K08/G02 F 274,400.00 ZZ
360 274,246.17 1
7 SCHAFF ROAD 8.875 2,183.25 90
8.625 2,183.25 304,900.00
ALEXANDRIA TWP NJ 08804 1 02/25/00 01
0411793771 05 04/01/00 25
0411793771 O 03/01/30
0
3242098 K08/G02 F 125,900.00 ZZ
360 125,842.80 4
1211-1217 SIMONTON AVENUE 9.875 1,093.25 90
9.625 1,093.25 139,900.00
MIAMISBURG OH 45342 1 02/25/00 01
0411798325 05 04/01/00 25
0411798325 N 03/01/30
0
3242112 K08/G02 F 128,000.00 ZZ
360 127,937.04 1
2430 HEARST AVENUE 9.500 1,076.29 53
9.250 1,076.29 245,000.00
OAKLAND CA 94602 5 02/17/00 00
0411823404 05 04/01/00 0
0411823404 N 03/01/30
0
3242113 K08/G02 F 75,100.00 ZZ
360 75,057.90 1
108 CREEK COURT 8.875 597.53 80
8.625 597.53 93,900.00
SMYRNA TN 37167 1 02/25/00 00
0411823982 05 04/01/00 0
0411823982 O 03/01/30
0
3242119 K08/G02 F 50,000.00 ZZ
360 49,973.39 1
870 U.S. HIGHWAY 395 NORTH 9.125 406.82 38
8.875 406.82 135,000.00
CARSON CITY NV 89704 5 02/17/00 00
0411832777 05 04/01/00 0
0411832777 O 03/01/30
0
3242120 K08/G02 F 55,000.00 ZZ
360 54,973.66 1
1
15 SAWMILL ROAD, UNIT # 15 9.625 467.49 87
9.375 467.49 63,950.00
BRICK NJ 08723 1 02/25/00 04
0411838295 01 04/01/00 25
0411838295 N 03/01/30
0
3243171 A06/G02 F 67,200.00 ZZ
360 67,169.46 2
823 BEARD 9.875 583.54 80
9.625 583.54 84,000.00
PORT HURON MI 48060 5 02/25/00 00
0431898634 05 04/01/00 0
1000010002090 N 03/01/30
0
3243265 588/G02 F 170,000.00 ZZ
360 168,380.32 1
1223 RHEADS DRIVE 8.750 1,337.39 90
8.500 1,337.39 189,900.00
MONTGOMERY TOWN NJ 08502 1 09/29/99 04
0431920792 01 11/01/99 25
1010184 O 10/01/29
0
3243302 F42/G02 F 112,500.00 ZZ
360 112,448.88 3
133 MYRTLE AVENUE 9.875 976.90 90
9.625 976.90 125,000.00
JERSEY CITY NJ 07305 1 02/23/00 10
0431880822 05 04/01/00 25
NJ02733 N 03/01/30
0
3243611 074/G02 F 137,250.00 ZZ
360 137,099.51 4
10-12 KILBURN COURT 9.000 1,104.34 90
8.750 1,104.34 152,500.00
NEWPORT RI 02840 1 01/24/00 01
0431893387 05 03/01/00 25
1814093186 N 02/01/30
0
3243612 074/G02 F 175,500.00 ZZ
360 175,317.32 3
323-327 ESSEX STREET 9.250 1,443.80 90
9.000 1,443.80 196,000.00
WHITMAN MA 02382 1 01/28/00 01
0431893395 05 03/01/00 25
1
1811100514 O 02/01/30
0
3243613 074/G02 F 72,450.00 ZZ
360 72,322.21 3
108 ILLINOIS STREET 9.125 589.48 90
8.875 589.48 80,500.00
WORCESTER MA 01603 1 01/19/00 01
0431893403 05 03/01/00 25
1811099700 N 02/01/30
0
3243615 074/G02 F 71,900.00 ZZ
360 71,821.17 2
1124-1126 ROGERS DRIVE 9.000 578.52 85
8.750 578.52 85,000.00
SPRINGFIELD OH 45503 2 01/24/00 04
0431893411 05 03/01/00 25
1620003049 N 02/01/30
0
3243616 074/G02 F 330,000.00 ZZ
360 329,665.41 1
1551 COURTNEY AVENUE 9.375 2,744.77 75
9.125 2,744.77 440,000.00
LOS ANGELES CA 90046 1 01/05/00 00
0431893429 05 03/01/00 0
1596153070 N 02/01/30
0
3243617 074/G02 F 1,000,000.00 ZZ
360 999,012.34 1
577 PERUGIA WAY 9.500 8,408.55 31
9.250 8,408.55 3,300,000.00
LOS ANGELES CA 90077 2 01/10/00 00
0431893437 05 03/01/00 0
1596152838 O 02/01/30
0
3243619 074/G02 F 521,600.00 ZZ
360 521,329.59 1
1927 LE FLORE DRIVE 9.250 4,291.08 80
9.000 4,291.08 652,000.00
LA HABRA HEIGHT CA 90631 1 02/02/00 00
0431893452 05 04/01/00 0
1595196270 O 03/01/30
0
1
3243620 074/G02 F 361,300.00 ZZ
360 360,849.28 1
778 CALLE DE SOTO 8.375 2,746.15 80
8.125 2,746.15 451,653.00
SAN MARCOS CA 92069 1 01/12/00 00
0431893460 03 03/01/00 0
1595191379 O 02/01/30
0
3243621 074/G02 F 308,000.00 ZZ
360 307,670.94 1
20244 OCEAN KEY DRIVE 9.125 2,505.99 80
8.875 2,505.99 385,000.00
BOCA RATON FL 33498 1 02/04/00 00
0431893478 03 03/01/00 0
1589415223 O 02/01/30
0
3243622 074/G02 F 131,100.00 ZZ
360 130,970.52 4
375 SW 19TH AVENUE 9.500 1,102.36 95
9.250 1,102.36 138,000.00
MIAMI FL 33135 1 01/21/00 14
0431893486 05 03/01/00 30
1589413750 O 02/01/30
0
3243623 074/G02 F 89,900.00 ZZ
360 89,817.97 3
300 SE 9TH AVENUE 9.875 780.65 58
9.625 780.65 156,000.00
POMPANO BEACH FL 33060 5 01/24/00 00
0431893494 05 03/01/00 0
1589411572 N 02/01/30
0
3243624 074/G02 F 45,000.00 ZZ
360 44,948.03 1
2225 NE 123RD STREET UNIT 205 8.750 354.02 90
8.500 354.02 50,000.00
NORTH MIAMI FL 33181 1 01/21/00 14
0431893502 01 03/01/00 25
1589410977 N 02/01/30
0
3243627 074/074 F 112,500.00 ZZ
360 112,376.62 3
221 E 17TH AVENUE 9.000 905.21 88
8.750 905.21 128,750.00
1
WILDWOOD NJ 08260 1 01/28/00 14
1587285149 05 03/01/00 25
1587285149 N 02/01/30
0
3243631 074/G02 F 301,000.00 ZZ
360 300,708.90 1
14240 W BRAEMORE CLOSE 9.625 2,558.47 60
9.375 2,558.47 510,000.00
GREEN OAKS IL 60048 2 01/28/00 00
0431893510 05 03/01/00 0
1583265730 O 02/01/30
0
3243632 074/G02 F 330,000.00 ZZ
360 324,365.23 1
1801 VOLLMER ROAD 9.625 2,804.97 52
9.375 2,804.97 635,000.00
FLOSSMOOR IL 60422 2 01/19/00 00
0431893528 05 03/01/00 0
1583265729 O 02/01/30
0
3243633 074/G02 F 459,950.00 ZZ
360 459,519.06 1
7528 ZANZIBAR LANE 9.750 3,951.69 80
9.500 3,951.69 574,949.00
MAPLE GROVE MN 55311 1 01/28/00 00
0431893536 05 03/01/00 0
1583263790 O 02/01/30
0
3243634 074/G02 F 430,000.00 ZZ
360 429,597.13 1
11136 TANGLEWOOD LN NORTH 9.750 3,694.37 80
9.500 3,694.37 538,000.00
CHAMPLIN MN 55316 1 02/02/00 00
0431893544 05 03/01/00 0
1583263778 O 02/01/30
0
3243635 074/G02 F 357,000.00 ZZ
360 356,665.52 1
3380 HILLSIDE COURT 9.750 3,067.19 75
9.500 3,067.19 476,000.00
WOODRIDGE IL 60517 2 01/24/00 00
0431893551 05 03/01/00 0
1583248956 O 02/01/30
0
1
3243636 074/G02 F 42,650.00 ZZ
360 42,629.56 4
1120 GORDON STREET 9.625 362.53 88
9.375 362.53 49,000.00
TOLEDO OH 43609 1 02/04/00 14
0431893569 05 04/01/00 25
1581377641 N 03/01/30
0
3243637 074/G02 F 112,400.00 ZZ
360 112,294.69 4
15220-15222 SARANAC ROAD 9.750 965.69 90
9.500 965.69 124,900.00
CLEVELAND OH 44110 1 01/27/00 14
0431893577 05 03/01/00 25
1581376456 N 02/01/30
0
3243638 074/G02 F 22,500.00 ZZ
360 22,477.77 1
2044 RUGBY ROAD 9.500 189.20 90
9.250 189.20 25,000.00
DAYTON OH 45406 1 01/21/00 01
0431893585 05 03/01/00 25
1581374213 N 02/01/30
0
3243639 074/G02 F 54,000.00 ZZ
360 53,946.67 2
1731-1733 EUCLID AVENUE 9.500 454.06 90
9.250 454.06 60,000.00
LORAIN OH 44052 1 01/09/00 01
0431893593 05 03/01/00 25
1581373775 N 02/01/30
0
3243640 074/G02 F 31,500.00 ZZ
360 31,468.89 2
695 BROWN STREET 9.500 264.87 90
9.250 264.87 35,000.00
AKRON OH 44311 1 01/31/00 10
0431893601 05 03/01/00 25
1581373017 N 02/01/30
0
3243642 074/G02 F 15,750.00 ZZ
360 15,734.44 1
1
20218 SYRACUSE 9.500 132.44 90
9.250 132.44 17,500.00
DETROIT MI 48234 1 01/28/00 14
0431893627 05 03/01/00 25
1581372885 N 02/01/30
0
3243645 074/G02 F 49,500.00 ZZ
360 49,320.84 1
626 W FRANKLIN STRE 9.375 411.72 90
9.125 411.72 55,000.00
ELKHART IN 46516 1 08/10/99 14
0431893643 05 10/01/99 25
1581328497 N 09/01/29
0
3243646 074/G02 F 83,500.00 ZZ
360 83,408.44 4
33-35 HUDSON STREET 9.000 671.86 90
8.750 671.86 93,000.00
SAINT ALBANS VT 05478 1 01/22/00 11
0431893668 05 03/01/00 25
1580184085 N 02/01/30
0
3243647 074/G02 F 49,500.00 ZZ
360 49,445.72 1
19 SUTHERLAND DRIVE 9.000 398.29 90
8.750 398.29 55,000.00
NEWNAN GA 30263 1 01/19/00 11
0431893684 05 03/01/00 25
1577296014 N 02/01/30
0
3243648 074/G02 F 211,500.00 ZZ
360 211,279.86 4
1859 RUTHERFORD AVE 9.250 1,739.96 90
9.000 1,739.96 235,000.00
LOUISVILLE KY 40205 1 01/19/00 14
0431893692 05 03/01/00 25
1577294880 N 02/01/30
0
3243649 074/G02 F 185,250.00 ZZ
360 185,030.46 3
2145 A-C ACRES COUNTRY WALKWAY 8.625 1,440.86 95
8.375 1,440.86 195,000.00
CONYERS GA 30013 1 01/14/00 14
0431893718 05 03/01/00 30
1
1577294700 O 02/01/30
0
3243650 074/G02 F 40,500.00 ZZ
360 40,455.57 1
4701 FLAT SHOALS ROAD #1G 9.000 325.88 90
8.750 325.88 45,000.00
UNION CITY GA 30291 1 01/19/00 14
0431893726 05 03/01/00 25
1577293810 N 02/01/30
0
3243651 074/G02 F 300,000.00 ZZ
360 299,818.25 1
8549 PRESTWICK DRIV 8.500 2,306.75 32
8.250 2,306.75 950,000.00
SAN DIEGO CA 92037 1 02/04/00 00
0431893734 05 04/01/00 0
1567297509 O 03/01/30
0
3243652 074/G02 F 263,200.00 ZZ
360 262,911.38 1
28236 GLENMEADE WAY 9.000 2,117.77 80
8.750 2,117.77 329,000.00
ESCONDIDO CA 92026 1 01/25/00 00
0431893742 03 03/01/00 0
1567297010 O 02/01/30
0
3243653 074/G02 F 300,000.00 ZZ
360 299,616.08 1
13645 GLENCLIFF WAY 8.250 2,253.80 42
8.000 2,253.80 730,000.00
SAN DIEGO CA 92130 1 01/24/00 00
0431893759 03 03/01/00 0
1567296426 O 02/01/30
0
3243656 074/G02 F 333,000.00 ZZ
360 332,696.16 1
33733 NE 122ND STREET 9.875 2,891.61 70
9.625 2,891.61 478,800.00
CARNATION WA 98014 5 01/21/00 00
0431893775 03 03/01/00 0
1565267992 O 02/01/30
0
1
3243657 074/G02 F 441,000.00 ZZ
360 440,575.76 1
44148 GLENDORA DRIV 9.625 3,748.46 78
9.375 3,748.46 570,000.00
FREMONT CA 94539 2 01/14/00 00
0431893783 03 03/01/00 0
1561465688 O 02/01/30
0
3243659 074/G02 F 300,000.00 ZZ
360 299,711.41 1
1710 30TH AVENUE 9.625 2,549.97 80
9.375 2,549.97 375,000.00
SAN FRANCISCO CA 94122 1 01/27/00 00
0431893791 05 03/01/00 0
1557045190 O 02/01/30
0
3243660 074/G02 F 375,000.00 T
360 374,629.62 1
747 S GALENA STREET UNIT 303 9.500 3,153.21 75
9.250 3,153.21 500,000.00
ASPEN CO 81611 1 01/20/00 00
0431893809 01 03/01/00 0
1557044722 O 02/01/30
0
3243661 074/G02 F 336,000.00 ZZ
360 335,591.46 1
8118 VINTAGE CREEK 8.500 2,583.55 80
8.250 2,583.55 420,000.00
SPRING TX 77379 1 01/19/00 00
0431893841 03 03/01/00 0
1539048890 O 02/01/30
0
3243664 074/G02 F 377,600.00 ZZ
360 377,175.05 1
4325 AVONDALE AVENUE 8.875 3,004.36 80
8.625 3,004.36 472,000.00
DALLAS TX 75219 1 01/27/00 00
0431893890 05 03/01/00 0
1524053422 O 02/01/30
0
3243665 074/G02 F 61,200.00 ZZ
360 61,104.08 3
2329 10TH COURT S 9.250 503.48 90
9.000 503.48 68,000.00
1
BIRMINGHAM AL 35205 1 12/30/99 11
0431893924 05 02/01/00 25
1511449759 N 01/01/30
0
3243666 074/074 F 236,550.00 ZZ
360 236,316.38 3
892 WILLOUGHBY AVEN 9.500 1,989.04 95
9.250 1,989.04 249,000.00
BROOKLYN NY 11221 1 01/20/00 12
1503741198 05 03/01/00 30
1503741198 O 02/01/30
0
3243668 074/074 F 236,550.00 ZZ
360 236,316.38 3
1062 CYPRESS AVENUE 9.500 1,989.04 95
9.250 1,989.04 249,000.00
RIDGEWOOD NY 11385 1 01/13/00 11
1503736653 05 03/01/00 30
1503736653 O 02/01/30
0
3243669 074/074 F 256,500.00 ZZ
360 256,253.26 10
250 W 22ND STREET 2 9.625 2,180.22 89
9.375 2,180.22 290,000.00
NEW YORK NY 10011 1 01/20/00 04
1503729330 11 03/01/00 25
1503729330 O 02/01/30
0
3243670 074/074 F 301,500.00 ZZ
360 301,202.22 4
3198 THIRD AVENUE 9.500 2,535.18 90
9.250 2,535.18 335,000.00
BRONX NY 10456 1 01/07/00 12
1503676416 05 03/01/00 25
1503676416 O 02/01/30
0
3243671 074/G02 F 54,000.00 ZZ
360 53,968.12 2
3826 BELL STREET 8.625 420.01 90
8.375 420.01 60,000.00
KANSAS CITY MO 64111 1 02/08/00 04
0431894104 05 04/01/00 25
1456031268 N 03/01/30
0
1
3243673 074/G02 F 200,000.00 ZZ
360 199,774.93 4
139 RUSSELL ROAD EX 8.875 1,591.29 80
8.625 1,591.29 250,000.00
FRAMINGHAM MA 01701 1 01/19/00 00
0431894146 05 03/01/00 0
1391082855 O 02/01/30
0
3243674 074/G02 F 56,250.00 ZZ
360 56,188.32 1
7393 OVIS LANE 9.000 452.60 90
8.750 452.60 62,500.00
RIVERDALE GA 30274 1 02/04/00 10
0431894187 05 03/01/00 25
1355006649 N 02/01/30
0
3243675 074/G02 F 192,600.00 ZZ
360 192,409.77 4
130 MEADOWBROOK COURT 9.500 1,619.49 90
9.250 1,619.49 214,000.00
FAYETTEVILLE GA 30215 1 01/31/00 01
0431894229 05 03/01/00 25
1339005361 N 02/01/30
0
3243676 074/G02 F 135,000.00 ZZ
360 134,863.12 4
706 JOLLY AVENUE 1- 9.375 1,122.86 90
9.125 1,122.86 150,000.00
CLARKSTON GA 30021 1 02/04/00 14
0431894278 05 03/01/00 25
1336008104 N 02/01/30
0
3243677 074/G02 F 432,000.00 ZZ
360 431,474.73 1
207 MONTEGO INLET B 8.500 3,321.71 80
8.250 3,321.71 540,000.00
LONGWOOD FL 32779 1 01/21/00 00
0431894302 03 03/01/00 0
1331206450 O 02/01/30
0
3243678 074/G02 F 45,000.00 ZZ
360 44,954.36 1
1
2914 NE 15TH STREET 9.375 374.29 90
9.125 374.29 50,000.00
GAINESVILLE FL 32609 1 01/31/00 01
0431894344 05 03/01/00 25
1322050066 N 02/01/30
0
3243679 074/G02 F 131,840.00 ZZ
360 131,687.73 4
911-913 SW 15 TERRA 8.750 1,037.19 80
8.500 1,037.19 164,800.00
FORT LAUDERDALE FL 33312 1 01/25/00 00
0431894393 05 03/01/00 0
1302052841 N 02/01/30
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0431894476 08 03/01/00 0
1233071408 N 02/01/30
0
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0431894526 03 03/01/00 0
1204030611 O 02/01/30
0
3243684 074/G02 F 86,400.00 ZZ
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WILMINGTON DE 19805 1 01/14/00 04
0431894542 05 03/01/00 25
1
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0
3243685 074/G02 F 42,750.00 ZZ
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0431894567 05 03/01/00 30
1163006040 O 02/01/30
0
3243687 074/074 F 272,000.00 ZZ
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3243688 074/074 F 218,500.00 ZZ
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1111347740 O 02/01/30
0
3243689 074/074 F 152,000.00 ZZ
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0
3243690 074/074 F 270,000.00 ZZ
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FLUSHING NY 11366 1 01/14/00 00
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0
1
3243691 074/074 F 313,500.00 ZZ
360 313,098.79 2
23-88 CRESCENT STREE 8.250 2,355.23 95
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0
3243692 074/074 F 375,000.00 ZZ
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7 WATERSIDE EST 8.875 2,983.67 75
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WHITESTONE NY 11357 1 01/26/00 00
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3243693 074/074 F 313,600.00 ZZ
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1106298169 05 03/01/00 0
1106298169 O 02/01/30
0
3245361 K08/G02 F 170,000.00 ZZ
360 169,345.83 1
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WEYMOUTH MA 02189 1 02/28/00 00
0411817240 05 04/01/00 0
0411817240 O 03/01/30
0
3245364 K08/G02 F 74,700.00 ZZ
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0411823578 05 04/01/00 25
0411823578 O 03/01/30
0
3245380 K08/G02 F 148,500.00 ZZ
360 148,432.53 4
31-35 MAPLEDALE AVENUE 9.875 1,289.50 90
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1
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0411840192 05 04/01/00 25
0411840192 N 03/01/30
0
3245383 K08/G02 F 139,350.00 ZZ
360 139,284.99 1
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0411843204 03 04/01/00 25
0411843204 N 03/01/30
0
3245576 E82/G02 F 75,750.00 ZZ
360 75,715.59 1
28 HERITAGE LANE 9.875 657.77 90
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0400258877 01 04/01/00 25
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0
3246660 E86/G02 F 200,000.00 ZZ
360 199,893.56 1
32 MEADE AVENUE 9.125 1,627.27 80
8.875 1,627.27 250,000.00
BETHPAGE NY 11714 1 02/25/00 00
0431880210 05 04/01/00 0
58304 O 03/01/30
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3246712 134/G02 F 68,000.00 ZZ
360 67,967.42 1
2345 2349 EMPRESS STREET 9.625 578.00 80
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SACRAMENTO CA 95815 5 02/14/00 00
0431929744 05 04/01/00 0
10003671 N 03/01/30
0
3251093 K08/G02 F 133,200.00 ZZ
360 133,139.49 3
12215,12217,12219 5TH STREET 9.875 1,156.64 90
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YUCAIPA CA 92399 1 02/17/00 04
0411572597 05 04/01/00 25
0411572597 N 03/01/30
0
1
3251098 K08/G02 F 94,000.00 E
360 93,953.77 1
8940 NW 53 COURT 9.500 790.40 90
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0411767320 09 04/01/00 30
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0
3251102 K08/G02 F 23,850.00 ZZ
360 23,839.45 1
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0411792427 05 04/01/00 25
0411792427 N 03/01/30
0
3251106 K08/G02 F 85,500.00 ZZ
360 85,455.67 3
1746 CHATHAM STREET 9.250 703.39 90
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RACINE WI 53402 1 02/29/00 10
0411805559 05 04/01/00 25
0411805559 N 03/01/30
0
3251107 K08/G02 F 63,300.00 ZZ
360 63,266.31 1
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DELTA CO 81416 2 02/24/00 01
0411805849 05 04/01/00 12
0411805849 O 03/01/30
0
3251112 K08/G02 F 112,400.00 ZZ
360 112,348.94 1
127 17TH STREET CT 9.875 976.02 90
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SAUK RAPIDS MN 56379 1 02/29/00 01
0411815798 05 04/01/00 25
0411815798 O 03/01/30
0
3251118 K08/G02 F 72,000.00 ZZ
360 71,961.68 1
1
4134 RENFREW COURT 9.125 585.82 80
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ATLANTA GA 30331 5 02/29/00 00
0411819535 05 04/01/00 0
0411819535 N 03/01/30
0
3251120 K08/G02 F 59,600.00 ZZ
360 59,568.28 1
1177 FLAT SHOALS RD 9.125 484.93 80
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COLLEGE PARK GA 30349 5 02/29/00 00
0411819600 05 04/01/00 0
0411819600 N 03/01/30
0
3251121 K08/G02 F 324,000.00 ZZ
360 323,848.84 4
216 ARUNDEL STREET 9.750 2,783.66 90
9.500 2,783.66 360,000.00
ST PAUL MN 55102 1 02/29/00 01
0411821838 05 04/01/00 25
0411821838 N 03/01/30
0
3251122 K08/G02 F 78,400.00 ZZ
360 78,362.44 1
312 WESTVIEW DRIVE 9.625 666.39 80
9.375 666.39 98,000.00
WHITE BLUFF TN 37187 1 02/29/00 00
0411822752 05 04/01/00 0
0411822752 O 03/01/30
0
3251123 K08/G02 F 189,600.00 ZZ
360 189,511.54 1
105 ALGONQUIN TRAIL 9.750 1,628.96 80
UNIT #124C 9.500 1,628.96 237,000.00
ASHLAND MA 01721 1 02/29/00 00
0411822802 01 04/01/00 0
0411822802 O 03/01/30
0
3251126 K08/G02 F 208,000.00 ZZ
360 207,905.50 3
17 GEORGE STREET 9.875 1,806.17 80
9.625 1,806.17 260,000.00
SOMERVILLE MA 02145 1 02/29/00 00
0411826431 05 04/01/00 0
1
0411826431 N 03/01/30
0
3251128 K08/G02 F 196,100.00 ZZ
360 196,006.06 4
32550 SHIFTING SANDS TRAIL 9.625 1,666.83 90
9.375 1,666.83 218,000.00
CATHEDRAL CITY CA 92234 1 02/23/00 01
0411829005 05 04/01/00 25
0411829005 N 03/01/30
0
3251129 K08/G02 F 150,000.00 ZZ
360 149,913.70 1
2284 CR 1560 8.750 1,180.05 60
8.500 1,180.05 250,000.00
CHICO TX 76431 5 02/24/00 00
0411830169 05 04/01/00 0
0411830169 O 03/01/30
0
3251137 K08/G02 F 21,750.00 ZZ
360 21,739.58 1
174 SCOTTSDALE SQUARE 9.625 184.87 75
9.375 184.87 29,000.00
WINTER PARK FL 32792 1 02/29/00 00
0411839145 01 04/01/00 0
0411839145 N 03/01/30
0
3251139 K08/G02 F 133,600.00 ZZ
360 133,525.10 1
3428 SAULS ROAD 8.875 1,062.98 80
8.625 1,062.98 167,000.00
AUBREY TX 76227 5 02/24/00 00
0411840655 05 04/01/00 0
0411840655 O 03/01/30
0
3251142 K08/G02 F 34,000.00 ZZ
360 33,982.84 1
18847 CARDONI 9.375 282.79 78
9.125 282.79 44,000.00
DETROIT MI 48203 2 02/29/00 00
0411842495 05 04/01/00 0
0411842495 N 03/01/30
0
1
3251149 K08/G02 F 61,200.00 ZZ
360 61,172.93 3
145-147 MARATHON AVE 10.000 537.07 90
9.750 537.07 68,000.00
DAYTON OH 45405 1 02/29/00 01
0411849631 05 04/01/00 25
0411849631 N 03/01/30
0
3251157 K08/G02 F 153,800.00 ZZ
360 153,715.99 1
708-10 DENNINGER ROAD 9.000 1,237.51 90
8.750 1,237.51 171,000.00
NORTH PLAINFIEL NJ 07063 1 02/29/00 04
0411853559 05 04/01/00 25
0411853559 O 03/01/30
0
3251158 K08/G02 F 102,600.00 ZZ
360 102,550.85 4
6903 WENTWORTH DRIVE 9.625 872.09 90
9.375 872.09 114,000.00
AUSTIN TX 78724 1 02/29/00 04
0411855844 05 04/01/00 25
0411855844 N 03/01/30
0
3251159 K08/G02 F 176,000.00 ZZ
360 175,896.09 1
144 WOOD DUCK COURT 8.625 1,368.91 80
8.375 1,368.91 220,000.00
REIDSVILLE NC 27320 1 02/29/00 00
0411857386 05 04/01/00 0
0411857386 O 03/01/30
0
3251161 K08/G02 F 200,000.00 ZZ
360 199,634.93 1
2 PALMER DRIVE 8.750 1,573.40 75
8.500 1,573.40 269,199.00
MOORESTOWN NJ 08057 1 02/29/00 00
0411864770 01 04/01/00 0
0411864770 O 03/01/30
0
3252301 593/G02 F 87,500.00 ZZ
360 87,450.95 1
2307 CANAL ROAD 8.875 696.19 39
8.625 696.19 225,000.00
1
SPARKS NV 89434 2 02/14/00 00
0431884576 05 04/01/00 0
0007601024 O 03/01/30
0
3252609 286/286 F 128,200.00 ZZ
360 128,122.33 1
4301 RIVER CLOSE BLVD 8.500 985.75 80
8.250 985.75 160,260.00
VALRICO FL 33594 1 02/09/00 00
0000001367 03 04/01/00 0
0000001367 O 03/01/30
0
3252610 286/286 F 574,900.00 ZZ
360 573,874.41 1
6410 OAKWOOD MANOR DR 8.625 4,471.52 80
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CRYSTAL LAKE IL 60012 1 12/21/99 00
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0000648145 O 01/01/30
0
3252611 286/286 F 500,000.00 ZZ
360 498,960.91 1
1199 HILLCREEK LN 7.875 3,625.35 80
7.625 3,625.35 630,000.00
GATES MILLS OH 44040 5 06/02/99 00
0009552838 05 02/01/00 0
0009552838 O 01/01/30
0
3252800 664/G02 F 130,500.00 ZZ
360 130,440.71 3
7642 SOUTH KINGSTON 9.875 1,133.20 90
9.625 1,133.20 145,000.00
CHICAGO IL 60649 1 02/25/00 11
0431897727 05 04/01/00 25
0003343258 N 03/01/30
0
3252850 910/G02 F 68,500.00 ZZ
360 68,467.19 1
915 NW 3RD STREET 9.625 582.24 79
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FRUITLAND ID 83619 2 02/28/00 00
0431897719 05 04/01/00 0
1716129 N 03/01/30
0
1
3252889 K30/G02 F 168,000.00 ZZ
360 167,903.34 1
1860 RACINE DRIVE 8.750 1,321.66 80
8.500 1,321.66 210,000.00
LAS VEGAS NV 89115 5 02/18/00 00
0431884618 03 04/01/00 0
0069427 O 03/01/30
0
3252926 637/G02 F 31,500.00 ZZ
360 31,482.34 1
845 AUGUSTA DRIVE 25 8.875 250.63 90
8.625 250.63 35,000.00
HOUSTON TX 77057 1 02/16/00 10
0431884360 01 04/01/00 25
0017630252 O 03/01/30
0
3253551 637/G02 F 115,000.00 ZZ
360 114,935.52 1
156 RAINER CIRCLE 8.875 915.00 79
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VACAVILLE CA 95687 1 02/09/00 00
0431884030 05 04/01/00 0
0015359102 O 03/01/30
0
3253554 F96/G02 F 224,000.00 ZZ
360 223,903.52 3
38 63RD STREET 10.125 1,986.48 90
9.875 1,986.48 249,000.00
WEST NEW YORK NJ 07093 1 02/11/00 10
0431884493 07 04/01/00 25
0001225 N 03/01/30
0
3256303 E82/G02 F 141,000.00 T
360 140,728.79 1
6 OLD SQUAW CIRCLE 9.375 1,172.77 60
9.125 1,172.77 235,000.00
EDGARTOWN MA 02539 1 03/03/00 00
0400254074 05 04/01/00 0
0400254074 O 03/01/30
0
3256307 E82/G02 F 176,000.00 ZZ
360 176,000.00 1
1
16 ROBIN LAKE DRIVE 9.375 1,463.88 39
9.125 1,463.88 452,500.00
CHERRY HILL NJ 08003 5 02/29/00 00
0400251393 05 05/01/00 0
0400251393 O 04/01/30
0
3256593 K08/G02 F 175,750.00 ZZ
360 175,672.25 1
9 DEER CREEK COURT 10.000 1,542.33 95
9.750 1,542.33 185,000.00
LAKE IN THE HIL IL 60102 5 02/25/00 04
0411794944 05 04/01/00 30
0411794944 O 03/01/30
0
3256594 K08/G02 F 233,600.00 ZZ
360 233,365.60 1
1709 HUTCHINSON LANE 8.750 1,837.73 80
8.500 1,837.73 292,000.00
SILVER SPRING MD 20906 1 03/01/00 00
0411798978 03 04/01/00 0
0411798978 O 03/01/30
0
3256597 K08/G02 F 44,000.00 ZZ
360 43,977.19 1
4809 42ND STREET 9.250 361.98 80
9.000 361.98 55,000.00
LUBBOCK TX 79414 2 02/29/00 00
0411825458 05 04/01/00 0
0411825458 N 03/01/30
0
3256601 K08/G02 F 50,100.00 ZZ
360 50,071.91 1
918 FOSTER STREET 8.875 398.62 78
8.625 398.62 65,000.00
WEATHERFORD TX 76086 5 02/24/00 00
0411833759 05 04/01/00 0
0411833759 O 03/01/30
0
3256603 K08/G02 F 65,700.00 ZZ
360 65,670.15 1
2819 FRONTIER AVENUE 9.875 570.51 90
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ORANGE PARK FL 32065 1 03/01/00 04
0411836349 03 04/01/00 25
1
0411836349 N 03/01/30
0
3256604 K08/G02 F 79,200.00 ZZ
360 79,161.04 1
707 34TH STREET 9.500 665.96 80
9.250 665.96 99,000.00
WEST PALM BEACH FL 33407 1 03/01/00 00
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0411836703 N 03/01/30
0
3256606 K08/G02 F 272,000.00 ZZ
360 271,847.52 1
2113 LIME ROCK COURT 8.875 2,164.15 80
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EL CAJON CA 92019 1 02/24/00 00
0411840416 05 04/01/00 0
0411840416 O 03/01/30
0
3256609 K08/G02 F 141,300.00 ZZ
360 141,226.75 1
866 HIGHWAY #141 9.250 1,162.44 90
9.000 1,162.44 157,000.00
WHITE SALMON WA 98672 1 02/22/00 01
0411843824 05 04/01/00 25
0411843824 O 03/01/30
0
3256614 K08/G02 F 121,000.00 ZZ
360 120,932.17 1
2620 KEYSTONE AVENUE 8.875 962.73 80
8.625 962.73 152,000.00
RENO NV 89509 1 02/28/00 00
0411852486 05 04/01/00 0
0411852486 O 03/01/30
0
3256615 K08/G02 F 90,750.00 ZZ
360 90,707.66 1
2615 E. NICHOLS CIRCLE 9.750 779.68 75
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LITTLETON CO 80122 1 02/29/00 00
0411855323 09 04/01/00 0
0411855323 O 03/01/30
0
1
3256975 B28/G02 F 167,500.00 ZZ
360 167,410.86 1
5214 BLACK BARK COURT 9.125 1,362.84 67
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FORT COLLINS CO 80525 1 02/25/00 00
0431886340 03 04/01/00 0
0001190010 O 03/01/30
0
3256983 253/253 F 63,900.00 ZZ
360 63,869.38 1
4104 BIRCHMAN 9.625 543.15 90
9.375 543.15 71,000.00
FORT WORTH TX 76107 1 02/25/00 19
950036 05 04/01/00 30
950036 N 03/01/30
0
3257048 F36/G02 F 72,000.00 ZZ
360 71,962.67 1
4102 220TH STREET EAST 9.250 592.33 75
9.000 592.33 96,000.00
SPANAWAY WA 98387 1 02/18/00 00
0431886324 05 04/01/00 0
06502969 O 03/01/30
0
3259302 K08/G02 F 40,000.00 ZZ
360 40,000.00 1
214 ERIE ROAD 10.000 351.03 22
9.750 351.03 190,000.00
WEST HEMPSTEAD NY 11552 5 03/02/00 00
0411810435 05 05/01/00 0
0411810435 N 04/01/30
0
3259309 K08/G02 F 103,230.00 ZZ
360 103,177.87 4
12206 EAST LENORA DRIVE 9.375 858.61 90
9.125 858.61 114,700.00
SPOKANE WA 99206 1 02/23/00 01
0411837032 05 04/01/00 25
0411837032 N 03/01/30
0
3259310 K08/G02 F 103,230.00 ZZ
360 103,177.87 4
3001 SOUTH WHIPPLE ROAD 9.375 858.61 90
9.125 858.61 114,700.00
1
SPOKANE WA 99206 1 02/23/00 04
0411837065 05 04/01/00 25
0411837065 N 03/01/30
0
3259311 K08/G02 F 111,000.00 ZZ
360 110,937.77 1
191 W. TIENKEN RD. 8.875 883.17 79
8.625 883.17 141,000.00
ROCHESTER HILLS MI 48307 1 03/02/00 00
0411845191 05 04/01/00 0
0411845191 N 03/01/30
0
3259312 K08/G02 F 78,000.00 ZZ
360 78,000.00 1
3118 CLEMSON AVENUE 9.250 641.69 78
9.000 641.69 100,000.00
CHARLOTTE NC 28205 2 03/02/00 00
0411846538 05 05/01/00 0
0411846538 N 04/01/30
0
3259313 K08/G02 F 49,600.00 ZZ
360 49,600.00 1
1512 NORTH ALLEN STREET 9.500 417.06 80
9.250 417.06 62,000.00
CHARLOTTE NC 28205 2 03/02/00 00
0411848526 05 05/01/00 0
0411848526 N 04/01/30
0
3259315 K08/G02 F 103,050.00 ZZ
360 102,999.31 2
822 KING ALBERT 9.500 866.50 90
9.250 866.50 114,500.00
AUSTIN TX 78745 1 02/29/00 04
0411854417 05 04/01/00 25
0411854417 N 03/01/30
0
3259317 K08/G02 F 58,000.00 ZZ
360 58,000.00 1
5902 EBENEZER ROAD 9.250 477.15 75
9.000 477.15 78,000.00
WHITE MARSH MD 21162 1 03/02/00 00
0411861099 05 05/01/00 0
0411861099 O 04/01/30
0
1
3259318 K08/G02 F 70,550.00 ZZ
360 70,517.95 4
7911 SARITA 9.875 612.62 85
9.625 612.62 83,000.00
HOUSTON TX 77012 1 03/02/00 04
0411862527 05 04/01/00 12
0411862527 O 03/01/30
0
3260170 E82/G02 F 111,150.00 ZZ
360 111,150.00 1
344 WESTFIELD ROAD 9.625 944.76 90
9.375 944.76 123,500.00
CHARLOTTESVILLE VA 22901 1 03/06/00 04
0400258455 05 05/01/00 25
0400258455 N 04/01/30
0
3261187 498/G02 F 42,200.00 ZZ
360 42,179.78 4
3236 NEBRASKA AVENUE 9.625 358.70 90
9.375 358.70 46,900.00
ST LOUIS MO 63118 1 02/29/00 12
0431887603 05 04/01/00 25
24110744 N 03/01/30
0
3262104 811/G02 F 112,800.00 ZZ
360 112,735.10 1
5222 OXFORD CREST DRIVE 8.750 887.40 79
8.500 887.40 143,000.00
JACKSONVILLE FL 32258 1 02/29/00 00
0431916832 05 04/01/00 0
FM80045206 O 03/01/30
0
3262243 G51/G02 F 100,000.00 ZZ
360 99,953.35 1
708 N MTN ESTATES RD 9.750 859.15 71
9.500 859.15 142,000.00
FLORISSANT CO 80816 1 02/28/00 00
0431898139 03 04/01/00 0
395229 N 03/01/30
0
3262960 K08/G02 F 58,500.00 ZZ
360 58,474.12 3
1
2703-2705 EVALINE 10.000 513.38 90
9.750 513.38 65,000.00
HAMTRAMCK MI 48212 1 03/03/00 04
0411782071 05 04/01/00 25
0411782071 N 03/01/30
0
3262961 K08/G02 F 324,000.00 ZZ
360 323,840.63 4
2806 NE 30TH STREET 9.500 2,724.37 80
9.250 2,724.37 405,000.00
FT LAUDERDALE FL 33306 1 03/03/00 00
0411804842 05 04/01/00 0
0411804842 O 03/01/30
0
3262962 K08/G02 F 185,850.00 ZZ
360 185,475.14 1
6646 PARKSHADOW COURT NORTHEAS 8.625 1,445.52 80
8.375 1,445.52 232,315.00
KEIZER OR 97303 1 02/28/00 00
0411812688 03 04/01/00 0
0411812688 O 03/01/30
0
3262964 K08/G02 F 94,400.00 ZZ
360 94,345.68 1
609 PARK RIDGE DRIVE 8.750 742.65 90
8.500 742.65 104,900.00
CLEBURNE TX 76031 1 02/28/00 10
0411817729 05 04/01/00 25
0411817729 O 03/01/30
0
3262965 K08/G02 F 81,000.00 ZZ
360 80,960.16 2
601 RIVERVIEW BLVD 9.500 681.09 90
9.250 681.09 90,000.00
DAYTONA BEACH FL 32118 1 03/03/00 10
0411821499 05 04/01/00 25
0411821499 N 03/01/30
0
3262968 K08/G02 F 112,500.00 ZZ
360 112,440.13 1
4642 AUTUMN HARVEST 9.125 915.34 90
8.875 915.34 125,000.00
SHASTA LAKE CA 96019 1 02/24/00 01
0411825441 05 04/01/00 25
1
0411825441 O 03/01/30
0
3262970 K08/G02 F 111,000.00 ZZ
360 110,939.37 1
9465 CR 2188 LILLY ROAD 9.000 893.13 75
8.750 893.13 148,000.00
WHITEHOUSE TX 75791 5 02/28/00 00
0411828627 05 04/01/00 0
0411828627 O 03/01/30
0
3262972 K08/G02 F 224,000.00 ZZ
360 223,877.65 4
320 EAST 15TH STREET 9.000 1,802.35 80
8.750 1,802.35 280,000.00
OAKLAND CA 94606 1 02/23/00 00
0411831647 05 04/01/00 0
0411831647 O 03/01/30
0
3262973 K08/G02 F 75,000.00 ZZ
360 74,961.11 1
31234 PANTHER DRIVE 9.250 617.01 64
9.000 617.01 118,000.00
BULVERDE TX 78163 5 02/28/00 00
0411833296 05 04/01/00 0
0411833296 O 03/01/30
0
3262978 K08/G02 F 118,500.00 ZZ
360 118,500.00 4
257 MOUNT EVEREST 9.750 1,018.10 84
9.500 1,018.10 142,000.00
FENTON MO 63026 2 03/03/00 04
0411836778 05 05/01/00 20
0411836778 N 04/01/30
0
3262979 K08/G02 F 118,550.00 ZZ
360 118,550.00 4
249 MOUNT EVEREST 9.750 1,018.53 84
9.500 1,018.53 142,000.00
FENTON MO 63026 2 03/03/00 01
0411836844 05 05/01/00 20
0411836844 N 04/01/30
0
1
3262980 K08/G02 F 118,500.00 ZZ
360 118,500.00 4
247 MOUNT EVEREST 9.750 1,018.10 84
9.500 1,018.10 142,000.00
FENTON MO 63026 2 03/03/00 10
0411836869 05 05/01/00 20
0411836869 N 04/01/30
0
3262981 K08/G02 F 133,750.00 ZZ
360 133,750.00 1
9060 SUMMER GLEN LANE 9.250 1,100.33 75
9.000 1,100.33 178,350.00
DALLAS TX 75243 1 03/03/00 00
0411837206 05 05/01/00 0
0411837206 O 04/01/30
0
3262982 K08/G02 F 44,500.00 ZZ
360 44,477.53 1
1253 24TH STREET 9.375 370.13 84
9.125 370.13 53,000.00
GULFPORT MS 39501 5 02/28/00 11
0411841729 05 04/01/00 12
0411841729 O 03/01/30
0
3262985 K08/G02 F 126,000.00 ZZ
360 125,936.38 1
2945 GREENVALLEY ROAD 9.375 1,048.00 78
9.125 1,048.00 163,000.00
BIRMINGHAM AL 35243 5 02/28/00 00
0411844483 05 04/01/00 0
0411844483 O 03/01/30
0
3262987 K08/G02 F 118,750.00 ZZ
360 118,691.59 1
1024 CAMINO DE CHELLY 9.500 998.51 95
9.250 998.51 125,500.00
SANTA FE NM 87501 5 02/24/00 10
0411847676 03 04/01/00 30
0411847676 O 03/01/30
0
3262988 K08/G02 F 92,000.00 ZZ
360 91,949.75 1
2605 WEST BOSTON STREET 9.000 740.25 80
8.750 740.25 115,000.00
1
BROKEN ARROW OK 74012 1 03/03/00 00
0411849789 03 04/01/00 0
0411849789 O 03/01/30
0
3262991 K08/G02 F 110,500.00 ZZ
360 110,298.56 1
45 PARK ST 9.375 919.08 85
9.125 919.08 130,000.00
OXFORD MI 48371 1 03/03/00 01
0411857246 05 04/01/00 12
0411857246 O 03/01/30
0
3265363 A33/G02 F 164,000.00 ZZ
360 163,247.08 1
3968 HILLCREST 9.125 1,334.36 68
8.875 1,334.36 242,000.00
HIGHLAND MI 48356 1 02/28/00 00
0431898287 05 04/01/00 0
015085177 O 03/01/30
0
3266104 601/G02 F 124,200.00 ZZ
360 124,107.18 1
4389 SCHIRTZINGER ROAD 9.250 1,021.77 90
9.000 1,021.77 138,000.00
HILLIARD OH 43026 1 02/25/00 11
0431890870 05 04/01/00 25
60168234 O 03/01/30
0
3266172 514/G02 F 625,000.00 ZZ
360 623,429.78 1
3177 WALTER TRAVIS DRIVE 8.375 4,750.45 70
8.125 4,750.45 900,000.00
SARASOTA FL 34240 5 11/24/99 00
0431914068 03 01/01/00 0
887275 O 12/01/29
0
3266418 601/G02 F 76,500.00 ZZ
360 76,455.98 1
304 N 9TH ST 8.750 601.83 85
8.500 601.83 90,000.00
ARTESIA NM 88210 5 02/24/00 11
0431889138 05 04/01/00 12
60165826 O 03/01/30
0
1
3267012 K08/G02 F 60,500.00 ZZ
360 60,466.95 1
404 RICHMOND AVENUE 9.000 486.80 85
8.750 486.80 71,200.00
KNOXVILLE TN 37921 1 03/06/00 01
0411710114 05 04/01/00 12
0411710114 O 03/01/30
0
3267014 K08/G02 F 75,000.00 ZZ
240 74,885.91 1
401 SOUTH SUMMIT 8.875 668.78 85
8.625 668.78 88,500.00
GIRARD KS 66743 5 03/01/00 10
0411796204 05 04/01/00 12
0411796204 O 03/01/20
0
3267019 K08/G02 F 116,000.00 ZZ
360 115,934.97 1
610 NORTH SCHOOL STREET 8.875 922.95 80
8.625 922.95 145,000.00
BOERNE TX 78006 2 02/28/00 00
0411830193 05 04/01/00 0
0411830193 N 03/01/30
0
3267021 K08/G02 F 136,000.00 ZZ
360 135,919.71 1
934 ASH STREET 8.625 1,057.79 80
8.375 1,057.79 170,000.00
BROCKTON MA 02301 2 02/29/00 00
0411841448 05 04/01/00 0
0411841448 O 03/01/30
0
3267022 K08/G02 F 112,500.00 ZZ
360 112,500.00 4
5716 LIME ROAD 9.875 976.89 90
9.625 976.89 125,000.00
WEST PALM BEACH FL 33413 1 03/06/00 01
0411842255 05 05/01/00 25
0411842255 N 04/01/30
0
3267023 K08/G02 F 75,600.00 ZZ
360 75,600.00 1
1
212 TUMBLEBROOK STREET 9.750 649.52 90
9.500 649.52 84,000.00
SLIDELL LA 70461 2 03/06/00 01
0411844509 05 05/01/00 25
0411844509 N 04/01/30
0
3267025 K08/G02 F 59,100.00 ZZ
360 59,073.15 1
138 SPICEWOOD CIRCLE W. 9.875 513.19 80
9.625 513.19 74,000.00
MIDDLEBURG FL 32068 5 03/06/00 00
0411846736 05 04/01/00 0
0411846736 N 03/01/30
0
3267027 K08/G02 F 104,800.00 ZZ
360 104,800.00 1
1718 BUNCHE ROAD 9.250 862.16 80
9.000 862.16 131,000.00
AUSTIN TX 78721 5 02/29/00 00
0411849011 05 05/01/00 0
0411849011 O 04/01/30
0
3267032 K08/G02 F 72,000.00 ZZ
360 72,000.00 1
4804 COTTONWOOD STREET UNIT#3 9.500 605.42 79
9.250 605.42 92,000.00
AUSTIN TX 78744 5 03/01/00 00
0411859978 05 05/01/00 0
0411859978 O 04/01/30
0
3267216 E82/G02 F 34,200.00 ZZ
360 34,200.00 1
409 SCOTT AVENUE 9.375 284.46 90
9.125 284.46 38,000.00
ROME NY 13440 1 03/08/00 04
0400244893 05 05/01/00 25
0400244893 N 04/01/30
0
3267345 601/G02 F 43,000.00 ZZ
360 42,976.51 1
301 W RICHEY WY 9.000 345.99 90
8.750 345.99 48,000.00
ARTESIA NM 88210 5 02/24/00 11
0431897594 05 04/01/00 25
1
60165800 O 03/01/30
0
3267784 134/G02 F 26,000.00 ZZ
360 25,986.87 1
3516 KENBROOK COURT 9.375 216.26 80
9.125 216.26 32,500.00
KALAMAZOO MI 49006 1 02/25/00 00
0431890367 01 04/01/00 0
10004505 N 03/01/30
0
3268234 134/G02 F 26,000.00 ZZ
360 25,986.87 1
3506 KENBROOK COURT 9.375 216.26 80
9.125 216.26 32,500.00
KALAMAZOO MI 49006 1 02/25/00 00
0431890789 01 04/01/00 0
10004497 N 03/01/30
0
3268579 163/G02 F 84,000.00 ZZ
360 83,855.08 1
165 HOLLAND STREET 8.875 668.35 88
8.625 668.35 95,885.00
CRANSTON RI 02920 1 01/28/00 04
0431912187 01 03/01/00 25
1000131160 O 02/01/30
0
3269236 664/G02 F 280,000.00 ZZ
360 279,847.05 1
4035 COLONIAL AVENUE 9.000 2,252.95 80
8.750 2,252.95 350,000.00
CULVER CITY CA 90066 5 02/03/00 00
0431901412 05 04/01/00 0
0003374592 O 03/01/30
0
3270950 E82/G02 F 129,600.00 ZZ
360 129,600.00 3
228-230 PLEASANT STREET 8.875 1,031.16 85
8.625 1,031.16 152,500.00
PROVIDENCE RI 02906 1 03/09/00 04
0400254561 05 05/01/00 12
0400254561 N 04/01/30
0
1
3270951 E82/G02 F 129,600.00 ZZ
360 129,600.00 3
224-226 PLEASANT STREET 8.875 1,031.16 85
8.625 1,031.16 152,500.00
PROVIDENCE RI 02906 1 03/09/00 04
0400254553 05 05/01/00 12
0400256561 N 04/01/30
0
3271340 765/G02 F 41,300.00 ZZ
360 41,279.68 1
555 EAST 10TH AVENUE 9.500 347.28 70
UNIT 309 9.250 347.28 59,000.00
DENVER CO 80203 1 02/24/00 00
0431892975 01 04/01/00 0
109612 N 03/01/30
0
3271718 561/G02 F 108,000.00 ZZ
360 107,898.40 3
112 W 9TH AVENUE 9.750 927.89 90
9.500 927.89 120,000.00
NORTH WILDWOOD NJ 08260 1 01/29/00 04
0431935550 05 03/01/00 25
18134825 N 02/01/30
0
3271748 B28/G02 F 107,100.00 ZZ
360 107,047.32 1
2604 SOUTH NEWTON STREET 9.500 900.56 85
9.250 900.56 126,000.00
DENVER CO 80219 1 02/11/00 01
0431910504 05 04/01/00 12
0001250023 O 03/01/30
0
3271867 K08/G02 F 124,800.00 ZZ
360 124,731.83 4
8170 STONEBROOK DRIVE 9.000 1,004.17 90
8.750 1,004.17 138,700.00
PENSACOLA FL 32514 1 03/07/00 10
0411766199 05 04/01/00 25
0411766199 N 03/01/30
0
3271868 K08/G02 F 40,350.00 ZZ
360 40,332.15 1
1834 CROCKER STREET 10.000 354.10 95
9.750 354.10 42,500.00
1
CHESTERTON IN 46304 2 03/02/00 10
0411784770 05 04/01/00 30
0411784770 O 03/01/30
0
3271869 K08/G02 F 67,700.00 ZZ
360 67,700.00 2
11005 DODGE 9.750 581.65 90
9.500 581.65 75,257.00
WARREN MI 48089 1 03/07/00 04
0411785710 05 05/01/00 25
0411785710 N 04/01/30
0
3271870 K08/G02 F 20,000.00 ZZ
360 20,000.00 1
6736 NORTH RICHMOND AVENU 9.500 168.17 16
9.250 168.17 127,000.00
PORTLAND OR 97203 5 02/29/00 00
0411803174 01 05/01/00 0
0411803174 N 04/01/30
0
3271873 K08/G02 F 54,000.00 ZZ
360 54,000.00 2
3449 MONTANA STREET 9.250 444.24 90
9.000 444.24 60,000.00
SAINT LOUIS MO 63118 1 03/07/00 04
0411813686 05 05/01/00 25
0411813686 O 04/01/30
0
3271876 K08/G02 F 70,400.00 ZZ
360 70,400.00 1
1325 E LONNA 9.375 585.55 80
9.125 585.55 88,000.00
HAYSVILLE KS 67060 2 03/07/00 00
0411828155 05 05/01/00 0
0411828155 N 04/01/30
0
3271878 K08/G02 F 149,900.00 ZZ
360 149,900.00 1
1319 CONSTELLATION DRIVE 9.000 1,206.13 72
8.750 1,206.13 210,000.00
ALLEN TX 75013 2 03/02/00 00
0411828429 03 05/01/00 0
0411828429 O 04/01/30
0
1
3271880 K08/G02 F 108,000.00 ZZ
360 108,000.00 2
1600 AND 1602 3RD STREET 9.000 868.99 80
8.750 868.99 135,000.00
EAST WENATCHEE WA 98802 5 03/01/00 00
0411836885 05 05/01/00 0
0411836885 O 04/01/30
0
3271881 K08/G02 F 108,000.00 ZZ
360 107,946.88 1
5675 MELLIE AVENUE 9.500 908.12 90
9.250 908.12 120,000.00
MILFORD OH 45150 2 03/02/00 01
0411842834 05 04/01/00 25
0411842834 O 03/01/30
0
3271882 K08/G02 F 153,000.00 ZZ
360 153,000.00 1
824 EL RADO STREET 9.250 1,258.69 90
9.000 1,258.69 170,000.00
CORAL GABLES FL 33134 1 03/07/00 10
0411844970 05 05/01/00 25
0411844970 O 04/01/30
0
3271895 G52/G02 F 131,200.00 ZZ
360 131,133.74 3
911 EAST 7TH STREET 9.375 1,091.26 80
9.125 1,091.26 164,000.00
TUCSON AZ 85719 2 02/11/00 00
0431895788 05 04/01/00 0
95000215 N 03/01/30
0
3272019 664/G02 F 348,000.00 ZZ
360 347,778.09 1
1200 NORTH DUKE LANE 8.250 2,614.41 80
8.000 2,614.41 435,000.00
WALNUT CA 91789 5 02/04/00 00
0431904960 05 04/01/00 0
0003306725 O 03/01/30
0
3272080 A46/G02 F 61,200.00 ZZ
360 61,169.89 1
1
11314 FEATHERSTAR LANE 9.500 514.61 90
9.250 514.61 68,000.00
HOUSTON TX 77067 1 03/02/00 04
0431895515 03 04/01/00 25
0290380 N 03/01/30
0
3272213 225/225 F 514,000.00 ZZ
360 510,446.12 1
24 CANDLEBUSH 8.000 3,771.55 80
7.750 3,771.55 650,000.00
IRVINE CA 92612 5 07/21/99 00
7147242 09 09/01/99 0
7147242 O 08/01/29
0
3272714 664/G02 F 335,000.00 ZZ
360 334,582.09 1
10432 CIRCULO DE ZAPATA 8.375 2,546.25 78
8.125 2,546.25 435,000.00
FOUNTAIN VALLEY CA 92708 1 01/13/00 00
0431904895 05 03/01/00 0
0003305364 O 02/01/30
0
3273664 E82/G02 F 160,000.00 ZZ
360 160,000.00 1
25099 CALLE ENTRADERO 8.500 1,230.26 72
8.250 1,230.26 223,000.00
MURRIETA CA 92563 5 03/07/00 00
0400256129 05 05/01/00 0
0400256129 O 04/01/30
0
3275405 G75/G75 F 72,100.00 ZZ
360 72,052.83 1
1823 PENWOOD DRIVE 8.125 535.35 70
7.875 535.35 103,000.00
KNOXVILLE TN 37922 1 02/29/00 00
04030312 05 04/01/00 0
04030312 O 03/01/30
0
3275406 G75/G75 F 183,850.00 ZZ
360 183,467.91 1
1867 DISNEY ESTATES CIR 7.875 1,333.05 70
7.625 1,333.05 262,712.00
SEVERN MD 21144 1 12/29/99 00
03945637 03 02/01/00 0
1
03945637 O 01/01/30
0
3275407 G75/G75 F 112,700.00 ZZ
360 112,378.71 1
1620 ROUNDHILL DRIVE 7.750 807.40 70
7.500 807.40 161,000.00
NASHVILLE TN 37211 1 12/03/99 00
04014546 03 01/01/00 0
04014546 O 12/01/29
0
3275408 G75/G75 F 111,900.00 ZZ
360 111,673.23 1
6438 FROTHINGHAM COURT 8.000 821.09 70
7.750 821.09 159,900.00
ELKRIDGE MD 21227 1 12/29/99 00
04012035 09 02/01/00 0
04012035 O 01/01/30
0
3275409 G75/G75 F 452,000.00 ZZ
360 451,719.05 1
3207 MEREDITH STREET 8.375 3,435.53 80
8.125 3,435.53 565,000.00
AUSTIN TX 78703 1 02/14/00 00
04043662 05 04/01/00 0
04043662 O 03/01/30
0
3275432 K08/G02 F 235,000.00 ZZ
360 235,000.00 2
2010 GREY AVE 8.625 1,827.81 73
8.375 1,827.81 325,000.00
EVANSTON IL 60201 5 03/01/00 00
0411763386 05 05/01/00 0
0411763386 O 04/01/30
0
3275438 K08/G02 F 78,700.00 ZZ
360 78,700.00 1
2415 PARKWAY DRIVE 9.500 661.75 80
9.250 661.75 98,500.00
WINSTON SALEM NC 27103 5 03/08/00 00
0411840077 05 05/01/00 0
0411840077 N 04/01/30
0
1
3275441 K08/G02 F 73,950.00 ZZ
360 73,950.00 1
1903 WOODSIDE AVE 9.125 601.68 84
8.875 601.68 88,400.00
ESSEXVILLE MI 48732 1 03/08/00 01
0411848401 05 05/01/00 12
0411848401 O 04/01/30
0
3275443 K08/G02 F 25,425.00 ZZ
360 25,411.81 1
123 NORTH 9TH AVENUE EAST 9.250 209.17 90
9.000 209.17 28,250.00
DULUTH MN 55805 1 02/29/00 01
0411851348 05 04/01/00 25
0411851348 N 03/01/30
0
3275444 K08/G02 F 47,650.00 ZZ
360 47,625.29 1
1024 E 3RD ST 9.250 392.01 90
9.000 392.01 52,970.00
DULUTH MN 55805 1 02/29/00 10
0411851355 05 04/01/00 25
0411851355 N 03/01/30
0
3275445 K08/G02 F 47,650.00 ZZ
360 47,625.29 1
1228 E THIRD ST 9.250 392.01 90
9.000 392.01 52,970.00
DULUTH MN 55805 1 02/29/00 04
0411851363 05 04/01/00 25
0411851363 N 03/01/30
0
3275447 K08/G02 F 67,600.00 ZZ
360 67,600.00 1
18 SALINA AVENUE 9.250 556.13 80
9.000 556.13 84,500.00
JOHNSTON RI 02919 1 03/08/00 00
0411869365 05 05/01/00 0
0411869365 O 04/01/30
0
3275573 637/G02 F 364,000.00 ZZ
360 363,825.61 1
7479 MEADOWRUE CIRCLE 9.625 3,093.97 80
9.375 3,093.97 456,000.00
1
MIDDLETON WI 53562 4 02/24/00 00
0431906973 05 04/01/00 0
0018703884 O 03/01/30
0
3275777 F18/G02 F 220,000.00 ZZ
360 220,000.00 1
15917 VIA MEDIA 8.750 1,730.75 80
8.500 1,730.75 275,000.00
SAN LORENZO CA 94580 1 03/08/00 00
0431913524 03 05/01/00 0
R02521 O 04/01/30
0
3275892 F18/G02 F 104,800.00 ZZ
360 104,800.00 1
10636 ACALANES DRIVE 9.250 862.17 80
9.000 862.17 131,000.00
OAKLAND CA 94603 5 03/03/00 00
0431938364 05 05/01/00 0
02508 N 04/01/30
0
3276204 526/526 F 68,400.00 ZZ
360 68,318.94 2
3832 WEST DUNLAP AVE 8.625 532.01 66
8.375 532.01 105,000.00
PHOENIX AZ 85051 5 01/31/00 00
0390596 05 03/01/00 0
0390596 N 02/01/30
0
3276205 526/526 F 45,000.00 ZZ
360 44,927.63 2
28 NORTH 96TH WAY 9.125 366.13 90
8.875 366.13 50,000.00
MESA AZ 85207 1 12/29/99 10
0393396 05 02/01/00 25
0393396 N 01/01/30
0
3276206 526/526 F 230,400.00 ZZ
360 230,036.67 3
2108 117TH AVE NE 9.500 1,937.33 90
9.250 1,937.33 256,000.00
LAKE STEVEN WA 98258 1 02/11/00 12
0393460 05 04/01/00 25
0393460 N 03/01/30
0
1
3276207 526/526 F 75,000.00 ZZ
360 74,908.80 1
118 CINNAMON TEAL 8.500 576.69 58
8.250 576.69 130,000.00
ALISO VIEJO CA 92656 1 01/31/00 00
0393605 01 03/01/00 0
0393605 N 02/01/30
0
3276208 526/526 F 100,000.00 ZZ
360 99,878.41 1
7858 CAMINO RAPOSA 8.500 768.91 58
8.250 768.91 175,000.00
SAN DIEGO CA 92122 1 01/29/00 00
0393708 01 03/01/00 0
0393708 N 02/01/30
0
3276209 526/526 F 28,000.00 ZZ
360 27,986.23 3
618 N 9TH AVE 9.500 235.44 47
9.250 235.44 60,000.00
PHOENIX AZ 85007 5 02/25/00 00
0393814 05 04/01/00 0
0393814 N 03/01/30
0
3276210 526/526 F 50,400.00 ZZ
360 50,373.18 1
133 E HOWARD 9.125 410.07 90
8.875 410.07 56,000.00
PONTIAC MI 48342 1 02/29/00 01
0394082 05 04/01/00 25
0394082 N 03/01/30
0
3276211 526/526 F 77,400.00 ZZ
360 77,356.61 1
1408 SOUTH 24 CT 8.875 615.83 90
8.625 615.83 86,000.00
HOLLYWOOD FL 33020 1 02/10/00 12
0394680 05 04/01/00 25
0394680 O 03/01/30
0
3276212 526/526 F 50,000.00 ZZ
360 49,973.39 1
1
855 NILE ST 9.125 406.82 48
8.875 406.82 105,000.00
AURORA CO 80010 5 02/18/00 00
0395156 05 04/01/00 0
0395156 N 03/01/30
0
3276213 526/526 F 106,400.00 ZZ
360 106,349.03 2
685-687 JACKSON PARK LN 9.625 904.39 80
9.375 904.39 133,000.00
SUWANEE GA 30024 1 02/29/00 00
0395314 05 04/01/00 0
0395314 N 03/01/30
0
3276214 526/526 F 64,000.00 ZZ
360 63,965.94 1
2222 EAST WOODS STREET 9.125 520.73 80
8.875 520.73 80,000.00
PHOENIX AZ 85040 5 02/18/00 00
0395518 05 04/01/00 0
0395518 O 03/01/30
0
3276215 526/526 F 109,350.00 ZZ
360 109,293.31 1
11980 EAST JEWELL AVENUE 9.250 899.60 90
9.000 899.60 121,500.00
AURORA CO 80012 1 02/22/00 12
0395536 07 04/01/00 25
0395536 O 03/01/30
0
3276216 526/526 F 62,000.00 ZZ
360 61,967.86 1
9550 N 94TH PL #206 9.250 510.06 80
9.000 510.06 77,500.00
SCOTTSDALE AZ 85258 1 02/23/00 00
0395635 01 04/01/00 0
0395635 O 03/01/30
0
3276217 526/526 F 100,000.00 ZZ
360 99,940.96 1
9615 CAMINITO DEL FELIZ 8.625 777.79 53
8.375 777.79 189,000.00
SAN DIEGO CA 92121 1 02/28/00 00
0396568 01 04/01/00 0
1
0396568 N 03/01/30
0
3276218 526/526 F 400,000.00 ZZ
360 399,538.06 1
7400 S HIGHWAY 1 8.750 3,146.80 80
8.500 3,146.80 500,000.00
ELK CA 95432 1 02/01/00 00
0345905 05 03/01/00 0
0345905 O 02/01/30
0
3276219 526/526 F 236,000.00 ZZ
360 235,690.21 1
13610 NE 223RD COURT 8.125 1,752.29 80
7.875 1,752.29 295,000.00
BRUSH PRARIE WA 98606 1 02/01/00 00
0357393 05 03/01/00 0
0357393 O 02/01/30
0
3276220 526/526 F 78,300.00 ZZ
360 78,257.23 3
3223 E HARVARD ST 9.000 630.02 90
8.750 630.02 87,000.00
PHOENIX AZ 85008 1 02/28/00 01
0389558 05 04/01/00 25
0389558 O 03/01/30
0
3276222 526/526 F 52,200.00 ZZ
360 52,118.19 1
1201 SHARON AVE. 9.250 429.44 90
9.000 429.44 58,000.00
INDIANAPOLIS IN 46222 1 12/17/99 14
0391100 05 02/01/00 25
0391100 N 01/01/30
0
3276223 526/526 F 46,800.00 ZZ
360 46,726.65 1
1105 WINFIELD AVE 9.250 385.01 90
9.000 385.01 52,000.00
INDIANAPOLIS IN 46222 2 12/17/99 14
0391107 05 02/01/00 25
0391107 N 01/01/30
0
1
3276224 526/526 F 58,090.00 T
360 58,022.90 1
734 MCDOUGHALL COURT #G734 8.750 457.00 75
8.500 457.00 77,490.00
ORLANDO FL 32809 1 02/02/00 00
0391313 01 03/01/00 0
0391313 O 02/01/30
0
3276225 526/526 F 47,350.00 ZZ
360 47,326.70 1
5425 DUNGAREE STREET 9.500 398.14 42
9.250 398.14 113,995.00
LAS VEGAS NV 89118 1 02/18/00 00
0391796 03 04/01/00 0
0391796 O 03/01/30
0
3276226 526/526 F 37,600.00 ZZ
360 37,555.44 1
3932 BENNETT DRIVE 8.625 292.45 80
8.375 292.45 47,000.00
INDIANAPOLIS IN 46254 1 02/04/00 00
0392103 05 03/01/00 0
0392103 N 02/01/30
0
3276227 526/526 F 154,800.00 ZZ
360 154,634.61 4
1017 LOMBARD STREET 9.125 1,259.51 90
8.875 1,259.51 172,000.00
REDLANDS CA 92374 1 01/10/00 01
0392143 05 03/01/00 25
0392143 N 02/01/30
0
3276228 526/526 F 48,000.00 ZZ
360 47,948.71 1
2120 ANDREWS ST 9.125 390.55 80
8.875 390.55 60,000.00
ROCKFORD IL 61101 5 01/26/00 00
0392253 05 03/01/00 0
0392253 O 02/01/30
0
3276229 526/526 F 189,000.00 ZZ
360 188,894.04 1
6418 BAKER COURT 8.875 1,503.77 90
8.625 1,503.77 210,000.00
1
NORCROSS GA 30092 1 02/07/00 12
0392389 05 04/01/00 25
0392389 N 03/01/30
0
3276230 526/526 F 156,150.00 ZZ
360 156,066.90 1
8725 MOSQUERO CIRCLE 9.125 1,270.49 90
8.875 1,270.49 173,500.00
AUSTIN TX 78748 1 02/16/00 12
0392873 05 04/01/00 25
0392873 N 03/01/30
0
3276231 526/526 F 68,500.00 ZZ
360 68,464.48 1
11514 NE 97TH STREET 9.250 563.54 61
9.000 563.54 114,000.00
VANCOUVER WA 98662 1 02/08/00 00
0393182 05 04/01/00 0
0393182 N 03/01/30
0
3276232 526/526 F 120,600.00 ZZ
360 120,540.67 3
6 HILLSIDE PL 9.500 1,014.08 90
9.250 1,014.08 134,000.00
HAVERHILL MA 01832 1 02/14/00 04
0393222 05 04/01/00 25
0393222 N 03/01/30
0
3276233 526/526 F 133,500.00 ZZ
360 133,423.19 1
21932 S SCHIEFFER RD 8.750 1,050.25 61
8.500 1,050.25 220,000.00
COLTON OR 97017 5 02/04/00 00
0393245 05 04/01/00 0
0393245 O 03/01/30
0
3276234 526/526 F 193,600.00 ZZ
360 193,482.71 1
3100 SW 137 TERRACE 8.500 1,488.62 80
8.250 1,488.62 242,000.00
DAVIE FL 33330 1 02/07/00 00
0393376 05 04/01/00 0
0393376 O 03/01/30
0
1
3276235 526/526 F 63,000.00 ZZ
360 62,967.33 1
4475 DALE AVE #209 9.250 518.29 90
9.000 518.29 70,000.00
LA MESA CA 91941 1 02/11/00 12
0393450 01 04/01/00 25
0393450 N 03/01/30
0
3276236 526/526 F 68,000.00 ZZ
360 67,961.88 1
1618 BURRY CR 8.875 541.04 80
8.625 541.04 85,000.00
CREST HILL IL 60435 1 02/09/00 00
0393557 05 04/01/00 0
0393557 O 03/01/30
0
3276237 526/526 F 78,000.00 ZZ
360 77,956.26 1
904 KNOTTINGHAM DR #2A 8.875 620.61 69
8.625 620.61 114,500.00
SCHAUMBURG IL 60193 2 02/09/00 00
0393623 01 04/01/00 0
0393623 O 03/01/30
0
3276238 526/526 F 63,900.00 ZZ
360 63,866.00 1
248 CARNIVAL DRIVE 9.125 519.91 90
8.875 519.91 71,000.00
EL PASO TX 79912 1 02/17/00 11
0393688 05 04/01/00 25
0393688 O 03/01/30
0
3276239 526/526 F 98,800.00 ZZ
360 98,746.03 1
1950 WATERS FERRY DRIVE 9.000 794.97 60
8.750 794.97 165,000.00
LAWRENCEVIL GA 30043 1 02/15/00 00
0393869 03 04/01/00 0
0393869 N 03/01/30
0
3276240 526/526 F 97,400.00 ZZ
360 97,346.79 1
1
759 TEAL CT 9.000 783.71 60
8.750 783.71 163,000.00
LAWRENCEVILLE GA 30043 1 02/07/00 00
0393872 07 04/01/00 0
0393872 N 03/01/30
0
3276241 526/526 F 82,000.00 ZZ
360 81,952.82 1
3425 PALISADES LAKE DR 8.750 645.10 53
8.500 645.10 156,845.00
DULUTH GA 30096 1 02/15/00 00
0393877 03 04/01/00 0
0393877 N 03/01/30
0
3276242 526/526 F 56,000.00 ZZ
360 55,971.72 2
2813 CHICAGO RD 9.375 465.78 80
9.125 465.78 70,000.00
CHICAGO HEIGHTS IL 60411 1 02/24/00 12
0394008 05 04/01/00 12
0394008 N 03/01/30
0
3276243 526/526 F 135,700.00 ZZ
360 135,631.47 1
6228 W FAIR DR 9.375 1,128.69 68
9.125 1,128.69 200,000.00
LITTLETON CO 80123 2 02/24/00 00
0394086 05 04/01/00 0
0394086 O 03/01/30
0
3276244 526/526 F 85,500.00 ZZ
360 85,456.82 1
6301 N SHERIDAN RD #9V 9.375 711.15 90
9.125 711.15 95,000.00
CHICAGO IL 60660 1 02/17/00 12
0394131 01 04/01/00 25
0394131 N 03/01/30
0
3276245 526/526 F 94,500.00 ZZ
360 94,452.27 1
2243 W 71ST ST 9.375 786.01 90
9.125 786.01 105,000.00
CHICAGO IL 60636 1 02/11/00 12
0394182 05 04/01/00 25
1
0394182 N 03/01/30
0
3276246 526/526 F 149,600.00 ZZ
360 149,516.13 2
539 SHATTUCK AVE S 8.875 1,190.29 80
8.625 1,190.29 187,000.00
RENTON WA 98055 1 01/02/00 00
0394250 05 04/01/00 0
0394250 N 03/01/30
0
3276247 526/526 F 89,910.00 ZZ
360 89,863.39 1
3827 NORTH 15TH AVE 9.250 739.67 90
9.000 739.67 99,900.00
PHOENIX AZ 85015 1 02/07/00 11
0394372 05 04/01/00 25
0394372 N 03/01/30
0
3276248 526/526 F 62,500.00 ZZ
360 62,461.15 1
120 MARCY LANE 8.375 475.05 79
8.125 475.05 80,000.00
GREENWOOD IN 46142 2 02/29/00 00
0394522 05 04/01/00 0
0394522 N 03/01/30
0
3276249 526/526 F 36,800.00 ZZ
360 36,780.41 1
5821 GETZ LANE 9.125 299.42 80
8.875 299.42 46,000.00
INDIANAPOLIS IN 46254 1 02/15/00 00
0394552 05 04/01/00 0
0394552 N 03/01/30
0
3276250 526/526 F 82,400.00 ZZ
360 82,356.14 1
4014 WEST PARADISE DR 9.125 670.44 80
8.875 670.44 103,000.00
PHOENIX AZ 85029 1 02/10/00 00
0394617 05 04/01/00 0
0394617 O 03/01/30
0
1
3276251 526/526 F 94,000.00 ZZ
360 93,951.27 1
328 E DUNBAR DR 9.250 773.31 80
9.000 773.31 117,500.00
TEMPE AZ 85282 1 02/14/00 00
0394631 05 04/01/00 0
0394631 N 03/01/30
0
3276252 526/526 F 102,000.00 ZZ
360 101,944.28 1
2604 NORTH PENNINGTON DRIVE 9.000 820.72 90
8.750 820.72 114,000.00
CHANDLER AZ 85224 1 02/16/00 01
0395507 05 04/01/00 25
0395507 N 03/01/30
0
3276253 526/526 F 69,690.00 ZZ
360 69,654.80 1
233 EAST ERIE #1308 9.375 579.65 80
9.125 579.65 87,113.00
CHICAGO IL 60611 1 02/29/00 00
0395550 06 04/01/00 0
0395550 O 03/01/30
0
3276254 526/526 F 109,500.00 ZZ
360 109,438.61 1
103 TAROCCO RD 8.875 871.23 75
8.625 871.23 146,000.00
IRVINE CA 92620 1 02/16/00 00
0395655 01 04/01/00 0
0395655 N 03/01/30
0
3276255 526/526 F 46,150.00 T
360 46,127.30 1
5323 THOMAS DR #1B 9.500 388.05 65
9.250 388.05 71,000.00
PANAMA CITY BEA FL 32408 5 02/25/00 00
0395805 01 04/01/00 0
0395805 O 03/01/30
0
3276256 526/526 F 112,000.00 ZZ
360 111,941.93 1
7145 N 76TH DR 9.250 921.40 80
9.000 921.40 140,000.00
1
GLENDALE AZ 85303 1 02/23/00 00
0395857 05 04/01/00 0
0395857 O 03/01/30
0
3276257 526/526 F 51,000.00 ZZ
360 50,974.24 1
2575 SOUTH SYRACUSE WAY 9.375 424.20 63
#E202 9.125 424.20 81,000.00
DENVER CO 80231 1 02/29/00 00
0396053 01 04/01/00 0
0396053 N 03/01/30
0
3276258 526/526 F 38,000.00 ZZ
360 37,981.30 1
3643 SOUTH SHERIDAN BLVD #R12 9.500 319.53 65
9.250 319.53 58,500.00
LAKEWOOD CO 80235 1 02/28/00 00
0396054 01 04/01/00 0
0396054 N 03/01/30
0
3276259 526/526 F 60,300.00 ZZ
360 60,267.90 1
6034 FIELDCREST DR 9.125 490.63 90
8.875 490.63 67,000.00
MORROW GA 30260 1 02/29/00 12
0396177 05 04/01/00 25
0396177 N 03/01/30
0
3276291 526/526 F 228,000.00 ZZ
360 226,566.29 1
7765 EAGLE RIDGE ROAD 7.625 1,613.77 80
7.375 1,613.77 285,000.00
SAN DIEGO CA 92119 1 07/27/99 00
0373309 07 09/01/99 0
0373309 O 08/01/29
0
3276292 526/526 F 161,000.00 ZZ
360 160,147.72 1
312 E IRVINE RD 7.500 1,125.74 80
7.250 1,125.74 202,000.00
PHOENIX AZ 85027 2 08/03/99 00
0377545 03 10/01/99 0
0377545 O 09/01/29
0
1
3276294 526/526 F 127,500.00 ZZ
360 127,420.24 1
310 EAST 800 SOUTH 8.625 991.69 80
8.375 991.69 160,000.00
SALT LAKE CITY UT 84111 5 02/02/00 00
0393095 05 04/01/00 0
0393095 O 03/01/30
0
3276303 526/526 F 319,500.00 ZZ
360 319,101.44 1
777 JORDANNA ROAD 8.375 2,428.43 80
8.125 2,428.43 400,000.00
GRAND JUNCTION CO 81506 5 01/24/00 00
0391589 05 03/01/00 0
0391589 O 02/01/30
0
3276304 526/526 F 603,100.00 ZZ
360 602,734.64 1
6314 ROYALTON DRIVE 8.500 4,637.32 80
8.250 4,637.32 753,900.00
DALLAS TX 75230 1 02/28/00 00
0395573 05 04/01/00 0
0395573 O 03/01/30
0
3277726 601/G02 F 25,875.00 ZZ
360 25,860.86 1
745 KERN STREET 9.000 208.20 90
8.750 208.20 28,750.00
WATERLOO IA 50703 1 02/24/00 11
0431901164 05 04/01/00 25
60155223 N 03/01/30
0
3278259 624/G02 F 261,400.00 ZZ
360 261,268.00 1
8042 TAHOE PARKE CIRCLE 9.375 2,174.19 90
9.125 2,174.19 290,450.00
AUSTIN TX 78726 1 02/29/00 11
0431912849 03 04/01/00 25
82005600016F O 03/01/30
0
3278261 F42/G02 F 252,600.00 ZZ
360 252,600.00 1
1
54 LINWOOD AVE 9.875 2,193.45 85
9.625 2,193.45 300,000.00
MIDLAND PARK NJ 07432 5 03/06/00 12
0431913581 05 05/01/00 12
03013 O 04/01/30
0
3278733 K08/G02 F 83,250.00 ZZ
360 83,209.05 1
1736 SOUTH AMERICAN STREET 9.500 700.01 90
9.250 700.01 92,500.00
STOCKTON CA 95206 1 02/17/00 01
0411816770 05 04/01/00 25
0411816770 O 03/01/30
0
3278735 K08/G02 F 126,000.00 ZZ
360 126,000.00 1
8386 COCONUT BLVD 9.875 1,094.12 90
9.625 1,094.12 140,000.00
WEST PALM BEACH FL 33412 1 03/09/00 10
0411829245 05 05/01/00 25
0411829245 O 04/01/30
0
3278736 K08/G02 F 75,150.00 T
360 75,114.00 1
203 EAST BRIGANTINE AVENUE 9.625 638.77 90
#209 9.375 638.77 83,500.00
BRIGANTINE NJ 08203 1 02/18/00 01
0411836943 01 04/01/00 25
0411836943 O 03/01/30
0
3278740 K08/G02 F 127,800.00 ZZ
360 127,800.00 4
211 CHANSLOR AVENUE 9.750 1,098.00 90
9.500 1,098.00 142,000.00
RICHMOND CA 94801 1 03/06/00 01
0411849086 05 05/01/00 25
0411849086 N 04/01/30
0
3278741 K08/G02 F 70,000.00 ZZ
360 70,000.00 1
4019 PRINCETON BOULEVARD 8.750 550.69 70
8.500 550.69 101,000.00
SOUTH EUCLID OH 44121 1 03/09/00 00
0411867849 05 05/01/00 0
1
0411867849 O 04/01/30
0
3278742 K08/G02 F 245,050.00 ZZ
360 245,050.00 1
316 GARRISON CIRCLE 9.625 2,082.90 95
9.375 2,082.90 257,957.00
BARRINGTON IL 60010 1 03/09/00 04
0411872393 03 05/01/00 30
0411872393 O 04/01/30
0
3280656 K08/G02 F 74,400.00 ZZ
360 74,400.00 1
5801 TRAVIS COOK ROAD 8.750 585.31 60
8.500 585.31 124,000.00
AUSTIN TX 78735 5 03/06/00 00
0411800568 05 05/01/00 0
0411800568 O 04/01/30
0
3280661 K08/G02 F 34,350.00 ZZ
360 34,350.00 1
2312 BALSAM DRIVE, A105 9.875 298.28 90
9.625 298.28 38,200.00
ARLINGTON TX 76006 1 03/10/00 10
0411820780 01 05/01/00 30
0411820780 N 04/01/30
0
3280662 K08/G02 F 28,000.00 ZZ
360 27,986.93 1
4303 7TH STREET 9.750 240.57 78
9.500 240.57 36,000.00
ECORSE MI 48229 5 02/11/00 00
0411822794 05 04/01/00 0
0411822794 N 03/01/30
0
3280663 K08/G02 F 53,550.00 ZZ
360 53,550.00 1
2306 WESTFIELD 9.750 460.08 90
9.500 460.08 59,500.00
NILES MI 49120 1 03/10/00 01
0411825607 05 05/01/00 25
0411825607 N 04/01/30
0
1
3280664 K08/G02 F 45,600.00 ZZ
360 45,600.00 2
1021 NORTH HUEY STREET 10.000 400.17 80
9.750 400.17 57,000.00
SOUTH BEND IN 46628 1 03/09/00 00
0411833270 05 05/01/00 0
0411833270 N 04/01/30
0
3280665 K08/G02 F 50,000.00 ZZ
360 50,000.00 1
1204 CLANCY 9.375 415.87 79
9.125 415.87 63,800.00
FLINT MI 48503 1 03/10/00 00
0411843469 05 05/01/00 0
0411843469 O 04/01/30
0
3280667 K08/G02 F 83,700.00 ZZ
360 83,700.00 4
7874 A,B,C SOUTH CORONET COURT 9.875 726.81 90
9.625 726.81 93,000.00
NEW ORLEANS LA 70126 1 03/10/00 01
0411852932 05 05/01/00 25
0411852932 N 04/01/30
0
3280670 K08/G02 F 63,000.00 ZZ
360 63,000.00 4
1152 TALLOW TREE 9.875 547.06 90
9.625 547.06 70,000.00
HARVEY LA 70058 1 03/10/00 01
0411855182 05 05/01/00 25
0411855182 N 04/01/30
0
3280671 K08/G02 F 42,400.00 ZZ
360 42,400.00 1
2333 WRIGHT 10.000 372.09 80
9.750 372.09 53,000.00
NORTH CHICAGO IL 60064 1 03/10/00 00
0411856529 05 05/01/00 0
0411856529 N 04/01/30
0
3280674 K08/G02 F 75,150.00 ZZ
360 75,150.00 2
1913 53RD ST. 9.750 645.65 90
9.500 645.65 83,500.00
1
KENOSHA WI 53140 1 03/10/00 01
0411858921 05 05/01/00 25
0411858921 N 04/01/30
0
3280677 K08/G02 F 210,000.00 ZZ
360 210,000.00 1
5818 WILLOW GROVE ROAD 9.750 1,804.22 70
9.500 1,804.22 300,000.00
TROY MI 48098 5 03/10/00 00
0411861222 05 05/01/00 0
0411861222 N 04/01/30
0
3280680 K08/G02 F 297,300.00 ZZ
360 297,300.00 1
7635 EADS AVENUE, UNIT #3 9.875 2,581.60 70
9.625 2,581.60 425,000.00
LA JOLLA CA 92037 2 03/03/00 00
0411863186 01 05/01/00 0
0411863186 N 04/01/30
0
3280683 K08/G02 F 158,400.00 ZZ
360 158,400.00 1
37 PEARL STREET 9.000 1,274.52 90
8.750 1,274.52 176,000.00
ESSEX JUNCTION VT 05452 1 03/10/00 01
0411867930 05 05/01/00 25
0411867930 O 04/01/30
0
3282058 J33/G02 F 81,900.00 ZZ
360 81,845.04 1
14 SOUTH HEATHROW 8.000 600.96 70
7.750 600.96 117,000.00
ROME GA 30165 5 03/03/00 00
0431918432 05 04/01/00 0
000152020035 N 03/01/30
0
3282070 624/G02 F 75,200.00 ZZ
360 75,200.00 4
1351 WEST 11TH STREET 9.750 646.08 80
9.500 646.08 94,000.00
MERCED CA 95340 1 03/09/00 00
0431908391 05 05/01/00 0
43200200053 N 04/01/30
0
1
3282155 562/G02 F 238,500.00 ZZ
360 238,391.64 3
90 WILSON AVENUE 9.875 2,071.02 90
9.625 2,071.02 265,000.00
BROOKLYN NY 11237 1 02/29/00 12
0431912773 07 04/01/00 25
631656 N 03/01/30
0
3284480 K08/G02 F 144,000.00 ZZ
360 144,000.00 4
3021 SOUTH 232ND PLACE 9.000 1,158.66 90
8.750 1,158.66 160,000.00
DES MOINES WA 98198 1 03/08/00 04
0411740640 05 05/01/00 25
0411740640 N 04/01/30
0
3284483 K08/G02 F 169,700.00 ZZ
360 169,700.00 1
7106 DUFFIELD DRIVE 8.375 1,289.84 90
8.125 1,289.84 189,000.00
DALLAS TX 75248 2 03/08/00 10
0411807282 05 05/01/00 25
0411807282 O 04/01/30
0
3284484 K08/G02 F 127,600.00 ZZ
360 127,600.00 2
1413 - 1415 LAKE STREET NE 9.750 1,096.28 80
9.500 1,096.28 159,500.00
HOPKINS MN 55343 1 03/13/00 00
0411812928 05 05/01/00 0
0411812928 N 04/01/30
0
3284488 K08/G02 F 216,000.00 ZZ
360 216,000.00 4
2425 L STREET 9.625 1,835.98 90
9.375 1,835.98 240,000.00
SACRAMENTO CA 95816 1 03/07/00 01
0411835945 05 05/01/00 25
0411835945 N 04/01/30
0
3284489 K08/G02 F 135,500.00 ZZ
360 135,500.00 1
1
10047 NE 23RD AVENUE 9.375 1,127.02 85
9.125 1,127.02 160,000.00
MITCHELLVILLE IA 50169 5 03/08/00 01
0411839616 05 05/01/00 12
0411839616 O 04/01/30
0
3284490 K08/G02 F 52,250.00 ZZ
240 52,250.00 1
3240 GURLEY AVENUE 10.000 504.22 95
9.750 504.22 55,000.00
GADSDEN AL 35903 5 03/07/00 04
0411842842 05 05/01/00 30
0411842842 O 04/01/20
0
3284496 K08/G02 F 297,500.00 ZZ
360 297,500.00 1
7406 SOUTH IRELAND WAY 9.000 2,393.75 85
8.750 2,393.75 350,000.00
AURORA CO 80016 5 03/07/00 01
0411853153 03 05/01/00 12
0411853153 O 04/01/30
0
3284497 K08/G02 F 87,300.00 ZZ
360 87,300.00 3
73 REGENT AVENUE 9.000 702.44 90
8.750 702.44 97,000.00
PROVIDENCE RI 02908 1 03/13/00 01
0411858749 05 05/01/00 25
0411858749 N 04/01/30
0
3284499 K08/G02 F 115,200.00 ZZ
360 115,200.00 1
1130 BLUEBIRD LANE 8.875 916.58 90
8.625 916.58 128,000.00
LIBERTY MO 64068 1 03/10/00 10
0411861776 03 05/01/00 25
0411861776 O 04/01/30
0
3284500 K08/G02 F 82,000.00 ZZ
360 82,000.00 1
170 HURT ROAD 9.250 674.59 80
9.000 674.59 102,500.00
SMYRNA GA 30082 5 03/10/00 00
0411867815 05 05/01/00 0
1
0411867815 N 04/01/30
0
3284501 K08/G02 F 157,900.00 ZZ
360 157,900.00 1
7532 SOUTH ROSEMARY CIRCLE 9.000 1,270.50 74
8.750 1,270.50 214,000.00
ENGLEWOOD CO 80112 5 03/07/00 00
0411873417 03 05/01/00 0
0411873417 O 04/01/30
0
3284502 K08/G02 F 72,100.00 ZZ
360 72,100.00 2
5305 & 5307 ASH LANE 9.375 599.69 70
9.125 599.69 103,000.00
DALLAS TX 75223 2 03/13/00 00
0411877160 05 05/01/00 0
0411877160 N 04/01/30
0
3284503 K08/G02 F 161,250.00 ZZ
360 161,250.00 2
1448 AND 1452 S. PEARL STREET 9.250 1,326.56 75
9.000 1,326.56 215,000.00
DENVER CO 80210 1 03/13/00 00
0411877194 05 05/01/00 0
0411877194 N 04/01/30
0
3286128 G32/G02 F 122,400.00 ZZ
360 122,400.00 1
9531 S HOYNE AVE 9.125 995.89 80
8.875 995.89 153,000.00
CHICAGO IL 60643 1 03/14/00 00
0431910769 05 05/01/00 0
1006191 O 04/01/30
0
3286176 950/G02 F 220,500.00 ZZ
360 220,500.00 1
5738 N W LONDONBERRY LOOP 9.250 1,814.00 90
9.000 1,814.00 245,000.00
BREMERTON WA 98312 1 03/07/00 14
0431917574 03 05/01/00 25
107000203007 O 04/01/30
0
1
3286305 026/G02 F 321,000.00 ZZ
360 321,000.00 1
4016 BAHAMA ROAD 8.375 2,439.84 78
8.125 2,439.84 415,000.00
ROUGEMONT NC 27572 4 03/13/00 00
0431910694 05 05/01/00 0
0200363212 O 04/01/30
0
3286321 K31/G02 F 85,500.00 ZZ
360 85,500.00 1
368 DESIREE DRIVE 9.750 734.58 90
9.500 734.58 95,000.00
LAWRENCEVILLE GA 30244 1 03/15/00 14
0431934348 05 05/01/00 25
296106 N 04/01/30
0
3287398 K08/G02 F 35,000.00 ZZ
360 35,000.00 1
2005 SE 25TH DRIVE 9.000 281.62 42
8.750 281.62 85,000.00
OKEECHOBEE FL 34974 5 03/09/00 00
0411791783 27 05/01/00 0
0411791783 O 04/01/30
0
3287402 K08/G02 F 208,000.00 ZZ
360 208,000.00 1
28185 GRAHAM 9.125 1,692.36 80
8.875 1,692.36 260,000.00
CHESTERFIELD TW MI 48051 1 03/14/00 00
0411823057 05 05/01/00 0
0411823057 O 04/01/30
0
3287403 K08/G02 F 209,000.00 ZZ
360 209,000.00 3
5156 S. LOOMIS 9.625 1,776.48 95
9.375 1,776.48 220,000.00
CHICAGO IL 60609 1 03/14/00 04
0411827736 05 05/01/00 30
0411827736 O 04/01/30
0
3287404 K08/G02 F 62,950.00 ZZ
360 62,950.00 2
197 MONTAUK AVENUE 8.750 495.23 90
8.500 495.23 69,950.00
1
NEW LONDON CT 06320 1 03/14/00 04
0411827843 05 05/01/00 25
0411827843 O 04/01/30
0
3287408 K08/G02 F 61,650.00 ZZ
360 61,650.00 1
7915 OAK MEADOW COURT 9.625 524.02 90
UNIT #22 9.375 524.02 68,500.00
CHARLOTTE NC 28210 1 03/13/00 04
0411844863 01 05/01/00 25
0411844863 N 04/01/30
0
3287409 K08/G02 F 513,750.00 ZZ
360 513,750.00 1
2041 TRENTHAM ROAD 9.000 4,133.75 75
8.750 4,133.75 685,000.00
LAKE SHERWOOD A CA 91361 1 03/13/00 00
0411844913 03 05/01/00 0
0411844913 O 04/01/30
0
3287410 K08/G02 F 52,700.00 ZZ
360 52,700.00 1
320 THOMAS STREET 9.750 452.77 90
9.500 452.77 58,600.00
PHILLIPSBURG NJ 08865 1 03/14/00 04
0411845894 05 05/01/00 25
0411845894 N 04/01/30
0
3287411 K08/G02 F 61,650.00 ZZ
360 61,650.00 1
7903-3 OAK MEADOW COURT 9.625 524.02 90
9.375 524.02 68,500.00
CHARLOTTE NC 28210 1 03/13/00 04
0411846405 01 05/01/00 25
0411846405 N 04/01/30
0
3287412 K08/G02 F 61,650.00 ZZ
360 61,650.00 1
7903-7 OAK MEADOW COURT 9.625 524.02 90
9.375 524.02 68,500.00
CHARLOTTE NC 28210 1 03/13/00 04
0411846413 01 05/01/00 25
0411846413 N 04/01/30
0
1
3287415 K08/G02 F 65,000.00 ZZ
360 65,000.00 1
480 ROCK CREEK ROAD 9.875 564.43 86
9.625 564.43 76,000.00
MULA AL 35118 5 03/09/00 01
0411853906 05 05/01/00 25
0411853906 O 04/01/30
0
3287421 K08/G02 F 79,200.00 T
360 79,200.00 1
1601 LENOX AVE, UNIT # 9 9.000 637.26 90
8.750 637.26 88,000.00
MIAMI BEACH FL 33139 1 03/09/00 10
0411859879 01 05/01/00 25
0411859879 O 04/01/30
0
3287425 K08/G02 F 120,000.00 ZZ
360 120,000.00 1
HCR 72 BOX 329J 8.500 922.70 69
8.250 922.70 174,000.00
ARDMORE OK 73401 4 03/09/00 00
0411863848 05 05/01/00 0
0411863848 O 04/01/30
0
3287429 K08/G02 F 183,600.00 ZZ
360 183,600.00 1
2517 COUNTY ROAD 312 9.000 1,477.29 90
8.750 1,477.29 204,000.00
CLEBURNE TX 76031 1 03/13/00 10
0411878788 05 05/01/00 30
0411878788 O 04/01/30
0
3287512 E82/G02 F 386,000.00 ZZ
360 386,000.00 1
2900 SOUTHWEST 45TH STREET 9.500 3,245.70 78
9.250 3,245.70 500,000.00
FORT LAUDERDALE FL 33312 5 03/13/00 00
0400254116 05 05/01/00 0
0400254116 O 04/01/30
0
3288304 F96/G02 F 89,500.00 ZZ
360 89,500.00 1
1
38 MOUNTAINSIDE AVENUE 9.750 768.94 90
9.500 768.94 99,500.00
HARDYSTON NJ 07460 1 03/10/00 10
0431920966 05 05/01/00 25
0001199 O 04/01/30
0
3290697 K08/G02 F 85,000.00 ZZ
360 85,000.00 1
510 LAKESIDE DRIVE 10.000 745.94 55
9.750 745.94 155,000.00
ROME CITY IN 46784 5 03/15/00 00
0411761349 05 05/01/00 0
0411761349 N 04/01/30
0
3290705 K08/G02 F 312,000.00 ZZ
360 312,000.00 1
82095 LOST CREEK ROAD 8.375 2,371.43 80
8.125 2,371.43 390,000.00
DEXTER OR 97431 1 03/07/00 00
0411821358 05 05/01/00 0
0411821358 O 04/01/30
0
3290706 K08/G02 F 245,000.00 ZZ
360 245,000.00 1
37024 CONTRA COSTA AVENUE 8.375 1,862.18 80
8.125 1,862.18 308,000.00
FREMONT CA 94536 5 03/09/00 00
0411827538 05 05/01/00 0
0411827538 O 04/01/30
0
3290710 K08/G02 F 152,000.00 ZZ
360 152,000.00 1
820 PORTSMOUTH 8.875 1,209.38 95
8.625 1,209.38 160,000.00
WESTCHESTER IL 60154 5 03/10/00 10
0411840879 05 05/01/00 30
0411840879 O 04/01/30
0
3290712 K08/G02 F 162,000.00 ZZ
360 162,000.00 1
5605 TIGER TRAIL 8.500 1,245.64 77
8.250 1,245.64 212,000.00
FORT WORTH TX 76126 5 03/10/00 00
0411848187 05 05/01/00 0
1
0411848187 O 04/01/30
0
3290713 K08/G02 F 770,000.00 ZZ
360 770,000.00 1
3215 PRINCETON AVENUE 9.125 6,264.97 70
8.875 6,264.97 1,100,000.00
HIGHLAND PARK TX 75205 1 03/15/00 00
0411852353 05 05/01/00 0
0411852353 O 04/01/30
0
3290714 K08/G02 F 112,500.00 ZZ
360 112,500.00 1
7755 BRIGHT AVENUE 9.750 966.55 69
9.500 966.55 165,000.00
WHITTIER CA 90602 5 03/10/00 00
0411852429 05 05/01/00 0
0411852429 N 04/01/30
0
3290715 K08/G02 F 90,250.00 ZZ
240 90,250.00 1
1617 E. WASHINGTON 8.625 790.37 95
8.375 790.37 95,000.00
JOLIET IL 60433 5 03/10/00 10
0411852544 05 05/01/00 30
0411852544 O 04/01/20
0
3290716 K08/G02 F 103,000.00 ZZ
360 103,000.00 1
895 CROSS GATES BLVD 8.875 819.51 61
8.625 819.51 169,000.00
SLIDELL LA 70461 2 03/10/00 00
0411852627 05 05/01/00 0
0411852627 O 04/01/30
0
3290718 K08/G02 F 62,900.00 ZZ
360 62,900.00 3
29 LANDRY STREET 9.500 528.90 90
9.250 528.90 69,900.00
BRISTOL CT 06010 1 03/15/00 04
0411856297 05 05/01/00 25
0411856297 N 04/01/30
0
1
3290721 K08/G02 F 98,100.00 ZZ
360 98,100.00 1
85 OAKWOOD STREET 9.625 833.84 90
9.375 833.84 109,000.00
WILLIAMS BAY WI 53191 1 03/15/00 01
0411859291 05 05/01/00 25
0411859291 O 04/01/30
0
3290723 K08/G02 F 176,000.00 ZZ
360 176,000.00 1
288 SALEM ROAD 8.625 1,368.91 80
8.375 1,368.91 220,000.00
BILLERICA MA 01821 5 03/10/00 00
0411860349 05 05/01/00 0
0411860349 O 04/01/30
0
3290725 K08/G02 F 208,000.00 ZZ
360 208,000.00 1
15834 NW 82 COURT 9.625 1,767.98 80
9.375 1,767.98 260,000.00
MIAMI FL 33016 1 03/15/00 00
0411862295 05 05/01/00 0
0411862295 O 04/01/30
0
3290727 K08/G02 F 126,000.00 ZZ
360 126,000.00 1
2201 NORTH 55TH AVENUE 9.500 1,059.48 75
9.250 1,059.48 168,000.00
HOLLYWOOD FL 33021 5 03/10/00 00
0411863194 05 05/01/00 0
0411863194 O 04/01/30
0
3290730 K08/G02 F 112,000.00 ZZ
360 112,000.00 1
12866 EAST NEVADA CIRCLE 9.250 921.40 80
9.000 921.40 140,000.00
AURORA CO 80012 1 03/15/00 00
0411865553 05 05/01/00 0
0411865553 N 04/01/30
0
3290732 K08/G02 F 105,000.00 ZZ
360 105,000.00 1
9212 CLYDESDALE 9.000 844.85 71
8.750 844.85 149,500.00
1
ST. LOUIS MO 63126 5 03/10/00 00
0411866072 05 05/01/00 0
0411866072 O 04/01/30
0
3290733 K08/G02 F 136,400.00 ZZ
360 136,400.00 1
4209 WHITE OAKS 8.875 1,085.26 80
8.625 1,085.26 170,500.00
HIGH RIDGE MO 63049 2 03/10/00 00
0411866098 05 05/01/00 0
0411866098 O 04/01/30
0
3290734 K08/G02 F 43,000.00 ZZ
360 43,000.00 1
514 EAST GALLOWAY AVENUE 9.375 357.65 77
9.125 357.65 56,500.00
WEISER ID 83672 2 03/10/00 00
0411867781 05 05/01/00 0
0411867781 N 04/01/30
0
3290735 K08/G02 F 186,300.00 ZZ
360 186,300.00 1
2842 LESLIE COURT 9.000 1,499.01 90
8.750 1,499.01 207,000.00
LARAMIE WY 82072 1 03/15/00 01
0411873144 03 05/01/00 25
0411873144 O 04/01/30
0
3290736 K08/G02 F 97,500.00 ZZ
360 97,500.00 1
1004 GRISWOLD RD 9.000 784.51 85
8.750 784.51 115,000.00
FAIRFIELD AL 35064 5 03/10/00 04
0411873524 05 05/01/00 12
0411873524 O 04/01/30
0
3290738 K08/G02 F 137,250.00 ZZ
360 137,250.00 1
611-6 NE 12 TERRACE 9.750 1,179.19 90
9.500 1,179.19 152,500.00
BOYNTON BEACH FL 33435 1 03/15/00 01
0411875099 09 05/01/00 25
0411875099 N 04/01/30
0
1
3290739 K08/G02 F 98,800.00 ZZ
360 98,800.00 1
5915 N. MISSISSIPPI AVENU 8.875 786.10 80
8.625 786.10 125,000.00
PORTLAND OR 97230 2 03/10/00 00
0411876410 05 05/01/00 0
0411876410 N 04/01/30
0
3290943 E82/G02 F 168,000.00 ZZ
360 168,000.00 2
145 SOUTH 15TH STREET 8.750 1,321.66 80
8.500 1,321.66 210,000.00
LINDENHURST NY 11757 1 03/20/00 00
0400254975 05 05/01/00 0
0400254975 O 04/01/30
0
3291707 624/G02 F 105,600.00 ZZ
360 105,600.00 1
762 9TH STREET 9.375 878.33 80
9.125 878.33 132,000.00
WASHOUGAL WA 98671 2 03/09/00 00
0431920305 05 05/01/00 0
81700100523F N 04/01/30
0
3292630 822/G02 F 76,000.00 ZZ
360 75,959.55 3
225 SPRUCE STREET 9.125 618.37 80
8.875 618.37 95,000.00
MANCHESTER NH 03103 1 02/25/00 00
0431916907 05 04/01/00 0
3806000239 N 03/01/30
0
3294837 K08/G02 F 81,000.00 ZZ
360 81,000.00 1
153 ROGERS ROAD 9.875 703.36 90
9.625 703.36 90,000.00
MIDDLEBURY VT 05753 1 03/16/00 10
0411818834 05 05/01/00 25
0411818834 N 04/01/30
0
3294838 K08/G02 F 300,000.00 ZZ
360 300,000.00 3
1
4339,4341,4341 1/2 CLARISSA 8.625 2,333.37 90
AVENUE 8.375 2,333.37 335,000.00
LOS ANGELES CA 90027 1 03/13/00 11
0411832371 05 05/01/00 25
0411832371 O 04/01/30
0
3294843 K08/G02 F 196,000.00 ZZ
360 196,000.00 1
3705 PEACOCK DRIVE 8.750 1,541.93 80
8.500 1,541.93 245,000.00
WEST MELBOURNE FL 32904 1 03/16/00 00
0411867021 05 05/01/00 0
0411867021 O 04/01/30
0
3294844 K08/G02 F 31,200.00 ZZ
360 31,200.00 1
669 S. ELIZABETH ST. 10.000 273.80 80
9.750 273.80 39,000.00
LIMA OH 45804 1 03/16/00 00
0411875206 05 05/01/00 0
0411875206 N 04/01/30
0
3294846 K08/G02 F 65,700.00 ZZ
360 65,700.00 2
1100 DAVID ST. 9.750 564.46 90
9.500 564.46 73,000.00
RACINE WI 53404 1 03/16/00 04
0411877863 05 05/01/00 25
0411877863 N 04/01/30
0
3294848 K08/G02 F 87,300.00 ZZ
360 87,300.00 3
27-29 PENN STREET 9.000 702.44 90
8.750 702.44 97,000.00
PROVIDENCE RI 02908 1 03/16/00 01
0411879737 05 05/01/00 25
0411879737 N 04/01/30
0
3294891 623/623 F 68,400.00 ZZ
360 68,228.37 1
2271 CAMBRIA ROAD 9.250 562.71 90
9.000 562.71 76,000.00
HILLSDALE MI 49242 1 11/05/99 10
1245219 05 01/01/00 25
1
1245219 N 12/01/29
0
3294893 623/623 F 241,450.00 ZZ
360 241,008.07 1
1860 KEEL DRIVE 8.500 1,856.54 78
8.250 1,856.54 312,000.00
HOWELL MI 48843 2 12/21/99 00
1248093 05 02/01/00 0
1248093 O 01/01/30
0
3294898 623/623 F 50,000.00 ZZ
360 49,946.58 1
3145 SHADYNOOK ROAD 9.125 406.82 27
8.875 406.82 190,000.00
CENTRAL LAKE MI 49622 4 12/10/99 00
1356288 05 03/01/00 0
1356288 O 02/01/30
0
3294902 623/623 F 219,000.00 ZZ
360 218,143.59 1
8934 N REYNOLDS ROAD 9.000 1,762.12 73
8.750 1,762.12 300,000.00
TRAVERSE CITY MI 49684 1 08/27/99 00
1371943 05 10/01/99 0
1371943 O 09/01/29
0
3294912 623/623 F 65,000.00 ZZ
360 64,922.98 1
1417 MINNESOTA 8.625 505.56 80
8.375 505.56 82,000.00
PORT HURON MI 48060 1 01/17/00 00
1375260 05 03/01/00 0
1375260 O 02/01/30
0
3294914 623/623 F 133,700.00 ZZ
360 133,625.04 1
46236 ROCKER DRIVE 8.875 1,063.78 75
8.625 1,063.78 178,300.00
MACOMB MI 48044 1 02/04/00 00
1375538 05 04/01/00 0
1375538 O 03/01/30
0
1
3294918 623/623 F 49,500.00 ZZ
360 49,333.52 1
626 FARMVIEW AVENUE 9.500 416.22 55
9.250 416.22 90,000.00
UNIVERSITY PARK IL 60466 5 10/25/99 00
1376054 05 12/01/99 0
1376054 N 11/01/29
0
3294922 623/623 F 32,400.00 ZZ
360 32,324.62 1
18191 GREELEY 8.750 254.89 90
8.500 254.89 36,000.00
DETROIT MI 48203 1 12/01/99 10
1376343 05 01/01/00 25
1376343 N 12/01/29
0
3294926 623/623 F 63,000.00 ZZ
360 62,867.81 1
2834 W 36TH STREET 9.250 518.29 75
9.000 518.29 84,000.00
CHICAGO IL 60632 5 11/29/99 00
1376680 05 01/01/00 0
1376680 N 12/01/29
0
3294927 623/623 F 45,000.00 ZZ
360 44,905.61 1
5628 SOUTH FAIRFIELD 9.250 370.20 75
9.000 370.20 60,000.00
CHICAGO IL 60629 5 11/29/99 00
1376681 05 01/01/00 0
1376681 N 12/01/29
0
3294929 623/623 F 225,000.00 ZZ
360 224,422.65 1
227 GRIFFITH STREET 9.125 1,830.67 75
8.875 1,830.67 300,000.00
SAUGATUCK MI 49453 1 11/17/99 00
1376968 05 01/01/00 0
1376968 O 12/01/29
0
3294930 623/623 F 303,200.00 ZZ
360 302,452.22 1
1050 AUGUSTA 9.375 2,521.86 78
9.125 2,521.86 389,000.00
1
TROY MI 48098 1 11/19/99 00
1376977 05 01/01/00 0
1376977 O 12/01/29
0
3294932 623/623 F 135,000.00 ZZ
360 134,108.19 1
7950 MCCORDS AVENUE 9.125 1,098.40 71
8.875 1,098.40 191,000.00
ALTO MI 49302 5 11/18/99 00
1377296 05 01/01/00 0
1377296 O 12/01/29
0
3294933 623/623 F 53,250.00 ZZ
360 53,150.01 1
6909 PENROD 8.375 404.74 75
8.125 404.74 71,000.00
DETROIT MI 48228 5 12/31/99 00
1377772 05 02/01/00 0
1377772 N 01/01/30
0
3294934 623/623 F 62,250.00 ZZ
360 62,133.12 1
6920 PENROD 8.375 473.14 75
8.125 473.14 83,000.00
DETROIT MI 48228 5 12/31/99 00
1377773 05 02/01/00 0
1377773 N 01/01/30
0
3294935 623/623 F 103,950.00 ZZ
360 103,749.78 1
7324 OAK GROVE 8.250 780.94 80
8.000 780.94 129,999.00
JUSTICE IL 60458 1 12/17/99 00
1377777 05 02/01/00 0
1377777 O 01/01/30
0
3294936 623/623 F 45,000.00 ZZ
360 44,892.56 1
1459 LINCOLN STREET 8.625 350.01 90
8.375 350.01 50,000.00
LINCOLN PARK MI 48146 1 11/19/99 10
1377781 05 01/01/00 25
1377781 N 12/01/29
0
1
3294937 623/623 F 105,600.00 ZZ
360 105,416.39 1
2031 HAMILTON ROAD 8.750 830.76 80
8.500 830.76 132,000.00
OKEMOS MI 48864 1 12/03/99 00
1377790 05 02/01/00 0
1377790 O 01/01/30
0
3294938 623/623 F 57,250.00 ZZ
360 57,147.88 1
202 COLLEGE 8.625 445.28 80
8.375 445.28 71,590.00
HOLLY MI 48442 1 12/08/99 00
1377791 05 02/01/00 0
1377791 O 01/01/30
0
3294939 623/623 F 362,250.00 ZZ
360 361,603.77 1
6965 HELENA 8.625 2,817.54 75
8.375 2,817.54 483,000.00
WEST OLIVE MI 49460 5 12/07/99 00
1377826 05 02/01/00 0
1377826 O 01/01/30
0
3294940 623/623 F 95,000.00 ZZ
360 94,890.28 1
1193 WINDEMERE DRIVE 8.750 747.37 67
8.500 747.37 142,160.00
COMSTOCK PARK MI 49321 1 01/14/00 00
1377837 05 03/01/00 0
1377837 O 02/01/30
0
3294941 623/623 F 85,400.00 ZZ
360 85,211.29 3
565 FREMONT AVENUE NW 9.000 687.15 90
8.750 687.15 94,900.00
GRAND RAPIDS MI 49504 1 11/30/99 10
1377839 05 01/01/00 25
1377839 N 12/01/29
0
3294942 623/623 F 197,200.00 ZZ
360 196,882.78 1
1
4585 ORCHARD CREEK DRIVE 9.125 1,604.48 75
8.875 1,604.48 265,000.00
KENTWOOD MI 49546 1 12/09/99 00
1382593 03 02/01/00 0
1382593 O 01/01/30
0
3294949 623/623 F 39,950.00 ZZ
360 39,796.66 2
1000 FIRST STREET NW 8.750 314.29 90
8.500 314.29 44,400.00
GRAND RAPIDS MI 49504 1 11/30/99 10
1426420 05 01/01/00 25
1426420 N 12/01/29
0
3294951 623/623 F 92,000.00 ZZ
360 84,922.97 1
283 FELCH STREET 9.250 756.86 64
9.000 756.86 145,000.00
HOLLAND MI 49424 5 12/21/99 00
1427077 05 02/01/00 0
1427077 O 01/01/30
0
3294962 623/623 F 78,000.00 ZZ
360 77,953.95 1
11367 LENORE 8.625 606.68 70
8.375 606.68 112,000.00
REDFORD MI 48239 2 02/11/00 00
5221429 05 04/01/00 0
5221429 O 03/01/30
0
3294963 623/623 F 64,000.00 ZZ
360 63,966.82 1
314 OAK STREET 9.250 526.51 80
9.000 526.51 80,000.00
FERRYSBURG MI 49409 2 02/22/00 00
5222191 05 04/01/00 0
5222191 O 03/01/30
0
3294965 623/623 F 140,000.00 ZZ
360 139,750.24 1
11900 NIXON ROAD 8.625 1,088.91 80
8.375 1,088.91 175,000.00
GRAND LEDGE MI 48837 1 12/17/99 00
5222772 05 02/01/00 0
1
5222772 O 01/01/30
0
3294968 623/623 F 30,600.00 ZZ
360 30,067.24 1
716 LENORE AVENUE 8.750 240.73 90
8.500 240.73 34,000.00
LANSING MI 48910 1 12/09/99 10
5222888 05 02/01/00 25
5222888 N 01/01/30
0
3294970 623/623 F 120,000.00 ZZ
360 119,796.69 1
3447 SOUTH WIND DRIVE 8.875 954.77 80
8.625 954.77 150,000.00
ZEELAND MI 49464 1 12/17/99 00
5222951 29 02/01/00 0
5222951 O 01/01/30
0
3294971 623/623 F 56,500.00 ZZ
360 56,345.43 1
5527 MONTICELLO AVENUE 8.125 419.51 71
7.875 419.51 80,000.00
PORTAGE MI 49002 2 12/21/99 00
5223712 05 02/01/00 0
5223712 O 01/01/30
0
3294973 623/623 F 130,500.00 ZZ
360 130,374.47 4
240 LEVERETT LANE 9.625 1,109.24 90
9.375 1,109.24 145,000.00
EDWARDSVILLE IL 62025 1 01/03/00 11
5224796 05 03/01/00 25
5224796 N 02/01/30
0
3294977 623/623 F 50,000.00 T
360 49,915.29 1
48150 68TH STREET 8.875 397.82 74
8.625 397.82 68,000.00
HARTFORD MI 49057 1 01/03/00 00
5225521 05 02/01/00 0
5225521 O 01/01/30
0
1
3294978 623/623 F 280,000.00 ZZ
360 279,351.60 1
2210 AVON LANE 8.375 2,128.20 48
8.125 2,128.20 595,000.00
BIRMINGHAM MI 48009 1 12/15/99 00
5226003 05 02/01/00 0
5226003 O 01/01/30
0
3294980 623/623 F 116,450.00 ZZ
360 116,322.32 2
8005 S MARSHFIELD AVENUE 9.000 936.98 85
8.750 936.98 137,000.00
CHICAGO IL 60620 5 01/07/00 11
5226784 05 03/01/00 12
5226784 O 02/01/30
0
3294986 623/623 F 159,550.00 ZZ
360 159,272.61 1
50782 BASE STREET 8.750 1,255.18 71
8.500 1,255.18 227,900.00
NEW BALTIMORE MI 48047 1 12/30/99 00
5227868 05 02/01/00 0
5227868 O 01/01/30
0
3294989 623/623 F 93,750.00 ZZ
360 52,339.71 1
1691 MCBRADY STREET 9.000 754.33 75
8.750 754.33 125,000.00
PORT HURON MI 48060 5 01/07/00 00
5228592 05 03/01/00 0
5228592 O 02/01/30
0
3294994 623/623 F 131,250.00 T
360 131,044.30 1
92860 GRAVEL LAKE DRIVE 9.250 1,079.76 75
9.000 1,079.76 175,000.00
LAWTON MI 49065 5 12/23/99 00
5229279 05 02/01/00 0
5229279 O 01/01/30
0
3294996 623/623 F 60,000.00 ZZ
360 59,865.00 1
1804 MORRICE ROAD 9.000 482.77 72
8.750 482.77 84,000.00
1
OWOSSO MI 48867 5 02/03/00 00
5229376 05 04/01/00 0
5229376 O 03/01/30
0
3295006 623/623 F 88,800.00 ZZ
360 88,753.96 1
5595 NORTH 18TH EAST STREET 9.250 730.54 80
9.000 730.54 111,000.00
MOUNTAIN HOME ID 83647 1 02/25/00 00
5234244 05 04/01/00 0
5234244 O 03/01/30
0
3295008 623/623 F 40,000.00 ZZ
360 30,287.50 1
205 W LINCOLN ST 8.625 311.12 38
8.375 311.12 106,000.00
ST JOHNS MI 48879 1 02/08/00 00
5235690 05 04/01/00 0
5235690 O 03/01/30
0
3295009 623/623 F 131,250.00 ZZ
360 131,176.42 1
1708 65TH STREET 8.875 1,044.28 75
8.625 1,044.28 175,000.00
FENNVILLE MI 49408 5 02/04/00 00
5236391 05 04/01/00 0
5236391 O 03/01/30
0
3295012 623/623 F 107,900.00 ZZ
360 107,800.49 1
5917 LOVERS LANE 9.125 877.91 80
8.875 877.91 134,900.00
PORTAGE MI 49002 1 02/15/00 00
5236914 05 04/01/00 0
5236914 O 03/01/30
0
3295017 623/623 F 130,000.00 ZZ
360 129,864.68 1
4729 N SAWYER AVENUE 9.250 1,069.48 74
9.000 1,069.48 177,000.00
CHICAGO IL 60625 5 01/24/00 00
5238686 05 03/01/00 0
5238686 O 02/01/30
0
1
3295025 623/623 F 203,000.00 ZZ
360 202,891.98 1
824 FAIRHOPE LANE 9.125 1,651.67 75
8.875 1,651.67 274,000.00
GLENVIEW IL 60025 1 02/07/00 00
5241953 05 04/01/00 0
5241953 O 03/01/30
0
3295029 623/623 F 117,600.00 ZZ
360 117,540.61 2
1239-1241 136TH AVE 9.375 978.14 70
9.125 978.14 168,000.00
HOLLAND MI 49424 2 02/22/00 00
5242628 05 04/01/00 0
5242628 N 03/01/30
0
3295034 623/623 F 96,750.00 ZZ
360 96,702.41 1
4438 W 79TH PLACE 9.500 813.53 75
9.250 813.53 129,000.00
CHICAGO IL 60652 5 02/16/00 00
5244233 05 04/01/00 0
5244233 O 03/01/30
0
3296223 637/G02 F 105,000.00 ZZ
360 105,000.00 1
407 OCEAN BLVD UNIT A7 8.375 798.08 78
8.125 798.08 135,000.00
HAMPTON NH 03842 1 03/07/00 00
0431933860 01 05/01/00 0
0016658668 O 04/01/30
0
3297519 822/G02 F 102,150.00 ZZ
360 102,150.00 3
305 BARTLETT STREET 9.125 831.13 90
8.875 831.13 113,500.00
MANCHESTER NH 03102 1 03/02/00 14
0431919299 05 05/01/00 25
3806000301 N 04/01/30
0
3298075 K08/G02 F 72,250.00 ZZ
360 72,250.00 1
1
107 147TH AVENUE EAST 9.750 620.74 85
9.500 620.74 85,000.00
MADEIRA BEACH FL 33708 1 03/17/00 01
0411801822 05 05/01/00 20
0411801822 N 04/01/30
0
3298077 K08/G02 F 36,000.00 ZZ
360 36,000.00 1
18809 EGRET BAY 9.875 312.61 80
UNIT # 214 9.625 312.61 45,000.00
HOUSTON TX 77058 1 03/16/00 00
0411823727 01 05/01/00 0
0411823727 N 04/01/30
0
3298080 K08/G02 F 45,000.00 ZZ
360 45,000.00 1
4733 N CARAMBOLA CIRCLE #27114 9.000 362.08 60
8.750 362.08 75,000.00
COCONUT CREEK FL 33066 1 03/17/00 00
0411839640 01 05/01/00 0
0411839640 O 04/01/30
0
3298081 K08/G02 F 142,200.00 ZZ
360 142,200.00 4
1021 A, B, C DI MARCO DRIVE 9.875 1,234.79 90
9.625 1,234.79 158,000.00
MARRERO LA 70072 1 03/17/00 01
0411839657 05 05/01/00 25
0411839657 N 04/01/30
0
3298084 K08/G02 F 75,000.00 ZZ
360 75,000.00 1
758 PINTA LANE 9.500 630.64 22
9.250 630.64 350,000.00
FOSTER CITY CA 94404 5 03/02/00 00
0411849854 09 05/01/00 0
0411849854 N 04/01/30
0
3298085 K08/G02 F 74,700.00 ZZ
360 74,700.00 1
17750 LINCOLN 9.500 628.12 90
9.250 628.12 83,000.00
EAST POINTE MI 48021 1 03/17/00 04
0411850001 05 05/01/00 25
1
0411850001 N 04/01/30
0
3298088 K08/G02 F 85,000.00 ZZ
360 85,000.00 1
907 MYRTLEWOOD DRIVE 9.125 691.59 34
8.875 691.59 252,550.00
FRIENDSWOOD TX 77546 5 03/13/00 00
0411856701 05 05/01/00 0
0411856701 O 04/01/30
0
3298089 K08/G02 F 58,500.00 ZZ
360 58,500.00 2
1315-17 MAZANT STREET 10.000 513.38 90
9.750 513.38 65,000.00
NEW ORLEANS LA 70117 1 03/17/00 01
0411856834 05 05/01/00 25
0411856834 N 04/01/30
0
3298091 K08/G02 F 245,000.00 ZZ
360 245,000.00 1
130 NEWLAND ROAD 8.750 1,927.42 78
8.500 1,927.42 315,000.00
ARLINGTON MA 02474 5 03/13/00 00
0411862816 05 05/01/00 0
0411862816 O 04/01/30
0
3298092 K08/G02 F 32,400.00 ZZ
360 32,400.00 1
1103 E. FRANKLIN 9.250 266.55 90
9.000 266.55 36,000.00
LIMA OH 45804 1 03/17/00 01
0411866841 05 05/01/00 25
0411866841 N 04/01/30
0
3298093 K08/G02 F 71,750.00 ZZ
360 71,750.00 1
62 WESTVIEW AVENUE 9.625 609.87 70
9.375 609.87 102,500.00
ASHEVILLE NC 28803 2 03/17/00 00
0411867732 05 05/01/00 0
0411867732 N 04/01/30
0
1
3298094 K08/G02 F 79,650.00 ZZ
360 79,650.00 1
6796 MOCCASIN DRIVE 9.000 640.88 90
8.750 640.88 88,530.00
PLANO TX 75023 1 03/09/00 01
0411872617 03 05/01/00 25
0411872617 N 04/01/30
0
3298095 K08/G02 F 86,400.00 ZZ
360 86,400.00 1
847 N. SANDY LANE 9.000 695.19 65
8.750 695.19 133,000.00
ELKHORN WI 53121 4 03/17/00 00
0411872666 05 05/01/00 0
0411872666 O 04/01/30
0
3298096 K08/G02 F 71,200.00 ZZ
360 71,200.00 1
30 ASH STREET 8.875 566.50 80
8.625 566.50 89,000.00
EUGENE OR 97402 1 03/06/00 00
0411873367 05 05/01/00 0
0411873367 O 04/01/30
0
3298098 K08/G02 F 109,800.00 ZZ
360 109,800.00 1
360 MEDILL AVENUE 9.375 913.26 90
9.125 913.26 122,000.00
NORTHLAKE IL 60164 1 03/17/00 01
0411878184 05 05/01/00 25
0411878184 O 04/01/30
0
3298100 K08/G02 F 210,000.00 ZZ
360 210,000.00 1
1906 FAR NIENTE 8.750 1,652.07 46
8.500 1,652.07 460,000.00
SAN ANTONIO TX 78258 1 03/17/00 00
0411885601 03 05/01/00 0
0411885601 O 04/01/30
0
3298809 736/G02 F 424,000.00 ZZ
360 423,785.88 1
19 HILLRISE 9.375 3,526.62 80
9.125 3,526.62 530,000.00
1
DOVE CANYON ARE CA 92679 1 02/26/00 00
0431960806 03 04/01/00 0
100282508 O 03/01/30
0
3298913 736/G02 F 448,000.00 ZZ
360 448,000.00 1
8 JERICHO 8.625 3,484.50 80
8.375 3,484.50 560,000.00
DOVE CANYON ARE CA 92679 2 03/03/00 00
0431961838 03 05/01/00 0
100592575 O 04/01/30
0
3299590 910/G02 F 68,900.00 ZZ
360 68,900.00 1
912 NW 3RD STREET 9.625 585.64 79
9.375 585.64 87,500.00
FRUITLAND ID 83619 2 03/14/00 00
0431930494 05 05/01/00 0
1716850 N 04/01/30
0
3299595 665/G02 F 164,950.00 ZZ
360 164,859.90 1
8137 BAY HARBOR DRIVE 9.000 1,327.23 61
8.750 1,327.23 274,900.00
LAS VEGAS NV 89128 1 02/16/00 00
0431920768 03 04/01/00 0
0001237012 O 03/01/30
0
3299686 700/G02 F 241,000.00 ZZ
360 241,000.00 1
855 EAST FIGUEROA DRIVE 9.250 1,982.65 90
9.000 1,982.65 268,000.00
ALTADENA CA 91001 1 03/13/00 10
0431920909 05 05/01/00 25
00250209 N 04/01/30
0
3301651 K08/G02 F 128,000.00 ZZ
360 128,000.00 1
8972 SW 49 COURT 8.875 1,018.43 79
8.625 1,018.43 164,000.00
COOPER CITY FL 33328 5 03/14/00 00
0411803950 05 05/01/00 0
0411803950 O 04/01/30
0
1
3301652 K08/G02 F 69,500.00 ZZ
360 69,500.00 1
1618 CHOCTAW STREET 8.875 552.97 93
8.625 552.97 75,000.00
NEW ORLEANS LA 70117 2 03/15/00 01
0411812365 05 05/01/00 25
0411812365 O 04/01/30
0
3301654 K08/G02 F 84,000.00 ZZ
360 84,000.00 1
27025 3RD AVENUE 8.750 660.83 80
8.500 660.83 105,000.00
GILL CO 80624 2 03/15/00 00
0411837222 05 05/01/00 0
0411837222 O 04/01/30
0
3301655 K08/G02 F 75,000.00 ZZ
360 75,000.00 1
5219 GIBBONS DRIVE 8.500 576.69 93
8.250 576.69 81,000.00
CARMICHAEL CA 95608 2 03/10/00 01
0411837982 01 05/01/00 30
0411837982 O 04/01/30
0
3301658 K08/G02 F 50,400.00 ZZ
360 50,400.00 1
3630 OLIVER AVENUE NORTH 8.500 387.53 90
8.250 387.53 56,000.00
MINNEAPOLIS MN 55412 1 03/20/00 04
0411843428 05 05/01/00 25
0411843428 N 04/01/30
0
3301659 K08/G02 F 43,200.00 ZZ
360 43,200.00 2
3603 55TH STREET NORTH 9.875 375.13 90
9.625 375.13 48,000.00
TAMPA FL 33619 1 03/20/00 01
0411845068 05 05/01/00 25
0411845068 N 04/01/30
0
3301661 K08/G02 F 102,500.00 ZZ
360 102,500.00 1
1
1425 S RANGE ROAD 9.250 843.24 86
9.000 843.24 120,000.00
ST. CLAIR MI 48079 5 03/15/00 04
0411849417 05 05/01/00 12
0411849417 O 04/01/30
0
3301662 K08/G02 F 166,250.00 ZZ
360 166,250.00 1
10279 MANORVILLE DRIVE 9.250 1,367.70 90
9.000 1,367.70 184,750.00
JACKSONVILLE FL 32221 1 03/20/00 10
0411850399 03 05/01/00 25
0411850399 O 04/01/30
0
3301669 K08/G02 F 198,000.00 ZZ
360 198,000.00 4
1439 WEST 1650 NORTH 9.250 1,628.90 90
9.000 1,628.90 220,000.00
LAYTON UT 84041 1 03/20/00 01
0411870496 05 05/01/00 25
0411870496 N 04/01/30
0
3301671 K08/G02 F 180,500.00 ZZ
360 180,500.00 3
31 N AUSTIN BLVD 9.125 1,468.61 95
8.875 1,468.61 190,000.00
CHICAGO IL 60644 2 03/14/00 01
0411873995 05 05/01/00 30
0411873995 O 04/01/30
0
3301672 K08/G02 F 200,000.00 ZZ
360 200,000.00 1
1515 CYPRESS AVENUE 9.125 1,627.27 80
8.875 1,627.27 250,000.00
RICHMOND CA 94805 5 03/13/00 00
0411874324 05 05/01/00 0
0411874324 O 04/01/30
0
3301673 K08/G02 F 70,000.00 ZZ
360 70,000.00 1
3435 NAVAJO COURT 9.375 582.22 74
9.125 582.22 95,000.00
DALLAS TX 75224 5 03/15/00 00
0411875438 05 05/01/00 0
1
0411875438 O 04/01/30
0
3301677 K08/G02 F 191,600.00 ZZ
360 191,600.00 1
537 RIDGEWAY DRIVE 9.000 1,541.66 75
8.750 1,541.66 257,833.00
METAIRIE LA 70001 5 03/15/00 00
0411882129 05 05/01/00 0
0411882129 O 04/01/30
0
3301678 K08/G02 F 132,300.00 ZZ
360 132,300.00 1
547 NE 24 STREET 9.125 1,076.44 90
8.875 1,076.44 147,000.00
WILTON MANORS FL 33305 1 03/20/00 10
0411885056 05 05/01/00 25
0411885056 O 04/01/30
0
3302521 E23/G02 F 85,500.00 ZZ
360 85,500.00 2
832 WEST BUDMOORE TERRACE 9.250 703.39 90
9.000 703.39 95,000.00
TUCSON AZ 85705 1 03/09/00 11
0431936863 05 05/01/00 25
40503959 N 04/01/30
0
3302542 904/G02 F 80,000.00 ZZ
360 80,000.00 1
8196 SOUTH MAIO DRIVE 8.750 629.36 43
8.500 629.36 188,000.00
SANDY UT 84093 5 03/20/00 00
0431932425 05 05/01/00 0
12001098UT O 04/01/30
0
3302543 B35/G02 F 97,500.00 ZZ
360 97,445.33 1
9545 NW 28 STREET 8.875 775.76 80
8.625 775.76 121,900.00
CORAL SPRINGS FL 33065 1 03/01/00 00
0431929520 09 04/01/00 0
20000095 O 03/01/30
0
1
3302649 253/253 F 121,000.00 ZZ
360 121,000.00 1
914 LOPEZ ST 9.125 984.50 80
8.875 984.50 152,000.00
SANTA FE NM 87501 5 03/13/00 00
950586 05 05/01/00 0
950586 O 04/01/30
0
3302681 B35/G02 F 97,500.00 ZZ
360 97,445.33 1
9543 NW 28 STREET 8.875 775.76 80
8.625 775.76 121,900.00
CORAL SPRINGS FL 33065 1 03/01/00 00
0431929314 09 04/01/00 0
20000096 O 03/01/30
0
3302684 K15/G02 F 197,900.00 ZZ
360 197,810.09 2
3429 3431 32ND STREET 9.875 1,718.46 90
9.625 1,718.46 220,000.00
SAN DIEGO CA 92104 1 02/23/00 10
0431935683 05 04/01/00 25
3018311 N 03/01/30
0
3302687 J83/G02 F 150,000.00 ZZ
360 149,918.06 1
9555 BIG BAY ROAD 9.000 1,206.94 90
8.750 1,206.94 167,500.00
LINDEN NC 28356 1 02/28/00 04
0431924224 05 04/01/00 25
277064 O 03/01/30
0
3302742 253/253 F 96,000.00 ZZ
360 96,000.00 1
201 BUCHANAN AVE 9.625 815.99 80
9.375 815.99 120,000.00
FIRESTONE CO 80520 1 03/14/00 00
950754 05 05/01/00 0
950754 N 04/01/30
0
3302865 F18/G02 F 329,000.00 ZZ
360 329,000.00 1
19 JOSEPH DRIVE 8.625 2,558.93 49
8.375 2,558.93 679,000.00
1
SOUTH SAN FRANC CA 94080 1 03/15/00 00
0431933126 03 05/01/00 0
02536 O 04/01/30
0
3302878 950/G02 F 71,950.00 ZZ
360 71,911.71 1
27034 168TH PLACE SOUTHEAST 9.125 585.41 80
8.875 585.41 89,950.00
KENT WA 98042 1 02/29/00 00
0431924414 05 04/01/00 0
401000224251 N 03/01/30
0
3302908 765/G02 F 90,000.00 ZZ
360 89,917.88 1
12042 LOWEMONT STREET 9.875 781.52 90
9.625 781.52 100,000.00
NORWALK CA 90650 1 01/07/00 04
0431926708 05 03/01/00 25
349717 N 02/01/30
0
3304851 K08/G02 F 61,650.00 ZZ
360 61,650.00 1
7113 BRANDT PIKE 9.625 524.02 90
9.375 524.02 68,500.00
HUBER HEIGHTS OH 45424 1 03/21/00 12
0411765399 05 05/01/00 25
0411765399 N 04/01/30
0
3304852 K08/G02 F 109,600.00 ZZ
360 109,600.00 1
2109 SOUTH 5TH STREET 8.875 872.03 80
8.625 872.03 137,000.00
AUSTIN TX 78704 5 03/16/00 00
0411786015 05 05/01/00 0
0411786015 O 04/01/30
0
3304853 K08/G02 F 144,000.00 ZZ
360 144,000.00 1
3075 GUM STREET 10.000 1,263.70 90
9.750 1,263.70 160,000.00
LIVE OAK CA 95953 2 03/14/00 04
0411812407 05 05/01/00 25
0411812407 O 04/01/30
0
1
3304854 K08/G02 F 64,800.00 ZZ
360 64,800.00 2
47-49 NORTH GUILFORD AVE 9.375 538.97 90
9.125 538.97 72,000.00
COLUMBUS OH 43223 1 03/21/00 04
0411824972 05 05/01/00 25
0411824972 N 04/01/30
0
3304859 K08/G02 F 49,500.00 ZZ
360 49,500.00 1
19140 YONKA 10.000 434.40 90
9.750 434.40 55,000.00
DETROIT MI 48234 1 03/21/00 01
0411851900 05 05/01/00 25
0411851900 N 04/01/30
0
3304864 K08/G02 F 44,000.00 ZZ
360 44,000.00 1
1301 WEST TOWN STREET 9.375 365.97 74
9.125 365.97 60,000.00
COLUMBUS OH 43222 5 03/21/00 00
0411861305 05 05/01/00 0
0411861305 N 04/01/30
0
3304867 K08/G02 F 101,650.00 ZZ
360 101,650.00 1
1078 PHILLIPS ROAD 210 9.000 817.90 95
8.750 817.90 107,000.00
LEXA AR 72355 5 03/16/00 04
0411867443 05 05/01/00 30
0411867443 O 04/01/30
0
3304870 K08/G02 F 101,600.00 ZZ
360 101,600.00 1
208 NORTH 27TH AVENUE 8.750 799.29 80
8.500 799.29 127,000.00
YAKIMA WA 98902 1 03/14/00 00
0411873425 05 05/01/00 0
0411873425 O 04/01/30
0
3304871 K08/G02 F 87,000.00 ZZ
360 87,000.00 1
1
5504 B TOWNSEND PLACE 8.875 692.21 69
8.625 692.21 127,900.00
CHEYENNE WY 82009 1 03/21/00 00
0411873821 07 05/01/00 0
0411873821 O 04/01/30
0
3304873 K08/G02 F 48,000.00 ZZ
360 48,000.00 2
723 W. WAYNE ST. 10.000 421.23 80
9.750 421.23 60,000.00
LIMA OH 45801 1 03/21/00 00
0411876790 05 05/01/00 0
0411876790 N 04/01/30
0
3304874 K08/G02 F 123,000.00 ZZ
360 123,000.00 1
37632 GREENWOOD DRIVE 8.375 934.89 46
8.125 934.89 270,000.00
NORTHVILLE MI 48167 2 03/16/00 00
0411877038 03 05/01/00 0
0411877038 O 04/01/30
0
3305802 K15/G02 F 137,700.00 ZZ
360 137,632.27 1
1617 CARRIE FARM COURT 9.500 1,157.86 90
9.250 1,157.86 153,000.00
KENNESAW GA 30144 5 02/24/00 11
0431929777 05 04/01/00 25
3016804 O 03/01/30
0
3306219 665/G02 F 100,000.00 ZZ
360 99,943.94 1
12465 SADDLE ROAD 8.875 795.64 32
8.625 795.64 315,000.00
CARMEL VALLEY CA 93924 5 02/24/00 00
0431929611 05 04/01/00 0
0001236648 O 03/01/30
0
3306406 A06/G02 F 86,400.00 ZZ
360 86,351.56 1
2090 SHATTUCK 8.875 687.44 90
8.625 687.44 96,000.00
SAGINAW MI 48603 5 03/09/00 10
0431936186 05 04/14/00 25
1
9000010005336 O 03/14/30
0
3306824 405/405 F 472,000.00 ZZ
360 471,675.17 1
21 HIDDEN VALLEY ROAD 7.875 3,422.33 80
7.625 3,422.33 590,000.00
MONROVIA CA 91016 1 02/24/00 00
16515603 05 04/01/00 0
16515603 O 03/01/30
0
3306842 405/405 F 500,000.00 ZZ
360 499,681.16 1
4127 BALLINA DRIVE 8.250 3,756.34 79
7.750 3,756.34 635,000.00
LOS ANGELES CA 91436 1 02/18/00 00
16496465 05 04/01/00 0
16496465 O 03/01/30
0
3306851 405/405 F 186,300.00 ZZ
360 186,300.00 1
2884 NORTH ANDALUCIA COURT 8.500 1,432.49 90
8.000 1,432.49 207,000.00
PALM SPRINGS CA 92264 1 03/03/00 11
16518821 05 05/01/00 25
16518821 O 04/01/30
0
3307934 K08/G02 F 73,000.00 ZZ
360 73,000.00 1
662 COUNTY ROAD 251 9.625 620.49 80
9.375 620.49 92,000.00
MOULTON AL 35650 5 03/17/00 04
0411742810 05 05/01/00 12
0411742810 O 04/01/30
0
3307936 K08/G02 F 134,900.00 ZZ
360 134,900.00 1
6201 LANTANA COURT 8.750 1,061.26 73
8.500 1,061.26 185,000.00
FORT WORTH TX 76112 5 03/16/00 00
0411787179 05 05/01/00 0
0411787179 O 04/01/30
0
1
3307938 K08/G02 F 121,400.00 ZZ
360 121,400.00 1
15 NORTH PLAZA PLACE 9.750 1,043.01 90
9.500 1,043.01 134,900.00
ATLANTIC CITY NJ 08401 1 03/22/00 10
0411835967 05 05/01/00 30
0411835697 O 04/01/30
0
3307939 K08/G02 F 162,900.00 ZZ
360 162,900.00 1
5130 CENTER 8.750 1,281.53 90
8.500 1,281.53 181,000.00
LISLE IL 60532 5 03/17/00 10
0411845480 05 05/01/00 25
0411845480 O 04/01/30
0
3307943 K08/G02 F 58,500.00 ZZ
360 58,500.00 4
709 S.W.14TH AVENUE 9.125 475.98 90
8.875 475.98 65,000.00
AMARILLO TX 79101 1 03/22/00 01
0411863921 05 05/01/00 25
0411863921 N 04/01/30
0
3307944 K08/G02 F 112,000.00 ZZ
360 112,000.00 1
6125 WEST 61ST AVENUE 9.250 921.40 80
9.000 921.40 140,000.00
ARVADA CO 80003 5 03/17/00 00
0411865645 05 05/01/00 0
0411865645 O 04/01/30
0
3307945 K08/G02 F 84,800.00 ZZ
360 84,800.00 1
5813 ANDERSON LANE 9.500 713.04 80
9.250 713.04 106,000.00
MILTON FL 32570 5 03/17/00 00
0411871213 05 05/01/00 0
0411871213 O 04/01/30
0
3307947 K08/G02 F 111,200.00 ZZ
360 111,200.00 1
2408 CHURCH AVENUE 8.500 855.03 80
8.250 855.03 139,000.00
1
TAMPA FL 33629 1 03/17/00 00
0411874902 05 05/01/00 0
0411874902 O 04/01/30
0
3307949 K08/G02 F 228,000.00 ZZ
360 228,000.00 1
106 LECKFORD WAY 9.375 1,896.39 80
9.125 1,896.39 285,000.00
CARY NC 27513 5 03/17/00 00
0411879109 03 05/01/00 0
0411879109 O 04/01/30
0
3307951 K08/G02 F 400,000.00 ZZ
360 400,000.00 1
47267 YUCATAN DRIVE 9.375 3,327.00 85
9.125 3,327.00 475,000.00
FREMONT CA 94539 1 03/17/00 01
0411886583 05 05/01/00 12
0411886583 O 04/01/30
0
3308928 904/G02 F 94,500.00 ZZ
360 94,500.00 1
3704 WEST TOULOUSE STREET 9.875 820.59 90
9.625 820.59 105,050.00
WEST VALLEY CIT UT 84120 1 03/24/00 01
0431936947 05 05/01/00 25
9999999 N 04/01/30
0
3308952 A50/A50 F 103,500.00 ZZ
360 103,438.90 1
1319 WILSON ROAD 8.625 805.01 65
8.375 805.01 160,000.00
PISGAH FOREST NC 28768 2 02/03/00 00
201179 05 04/01/00 0
201179 O 03/01/30
0
3309169 956/G02 F 144,000.00 ZZ
360 143,912.76 1
2470 BELVEDERE AVENUE 8.500 1,107.24 80
8.250 1,107.24 180,000.00
SAN LEANDRO CA 94577 5 02/17/00 00
0431938406 09 04/01/00 0
210020076 O 03/01/30
0
1
3309217 956/G02 F 111,900.00 ZZ
360 111,767.39 1
2830 STONEBROOK DRIVE 8.625 870.35 80
8.375 870.35 139,900.00
MEDFORD OR 97504 1 01/06/00 00
0431949155 05 03/01/00 0
1409120130 O 02/01/30
0
3309253 956/G02 F 260,000.00 ZZ
360 259,386.89 1
7921 149TH STREET NORTHWEST 8.500 1,999.18 69
8.250 1,999.18 380,000.00
GIG HARBOR WA 98329 5 01/12/00 00
0431950245 05 03/01/00 0
1309120028 O 02/01/30
0
3309292 956/G02 F 176,000.00 ZZ
360 175,893.38 4
3706 MONTREAL ROAD 8.500 1,353.29 80
8.250 1,353.29 220,000.00
SOUTH LAKE TAHO CA 96150 1 02/23/00 00
0431951482 05 04/01/00 0
210020023 O 03/01/30
0
3309352 253/253 F 36,900.00 ZZ
360 36,900.00 1
4133 MCKIBBEN ST 9.250 303.57 90
9.000 303.57 41,000.00
HALTOM CITY TX 76117 1 03/15/00 10
950339 05 05/01/00 25
950339 N 04/01/30
0
3309361 956/G02 F 288,750.00 ZZ
360 288,592.28 1
3521 SOUTHWEST CARSON STREET 9.000 2,323.35 75
8.750 2,323.35 385,000.00
PORTLAND OR 97219 5 02/17/00 00
0431948777 05 04/01/00 0
1410020046 O 03/01/30
0
3309502 956/G02 F 300,000.00 ZZ
360 299,852.44 1
1
4736 NORTH WINTHROP AVENUE 9.500 2,522.56 90
9.250 2,522.56 335,000.00
CHICAGO IL 60640 1 02/22/00 11
0431951011 05 04/01/00 25
2310020136 N 03/01/30
0
3309568 956/G02 F 340,000.00 ZZ
360 340,000.00 1
7715 ROCK HILL LANE 10.000 2,983.74 77
9.750 2,983.74 446,000.00
CINCINNATI OH 45243 5 03/03/00 00
0431948751 05 05/01/00 0
3310020049 O 04/01/30
0
3309584 956/G02 F 93,750.00 ZZ
360 93,647.21 2
214 MIDDLE STREET 9.000 754.33 75
8.750 754.33 125,000.00
PAWTUCKET RI 02860 5 01/19/00 00
0431949825 05 03/01/00 0
2809120107 O 02/01/30
0
3309659 956/G02 F 116,000.00 ZZ
360 115,838.66 1
28 NORRIS STREET 8.750 912.57 80
8.500 912.57 145,000.00
LAWRENCE MA 01841 5 01/26/00 00
0431949189 05 03/01/00 0
2809120148 O 02/01/30
0
3309668 956/G02 F 101,600.00 ZZ
360 101,491.45 3
8038 FERN CIRCLE 9.125 826.65 80
8.875 826.65 127,000.00
MIDVALE UT 84047 1 01/24/00 00
0431949247 05 03/01/00 0
1109120197 N 02/01/30
0
3309743 956/G02 F 70,000.00 ZZ
360 69,923.23 1
231 SOUTH POPLAR STREET 9.000 563.24 79
8.750 563.24 89,000.00
ATHENS GA 30601 5 01/26/00 00
0431950344 05 03/01/00 0
1
2709110081 N 02/01/30
0
3309851 956/G02 F 395,800.00 ZZ
360 395,605.32 1
3986 CORTE MAR DE HIERBA 9.500 3,328.10 76
9.250 3,328.10 525,000.00
SAN DIEGO CA 92130 2 02/11/00 00
0431950831 03 04/01/00 0
1510010070 O 03/01/30
0
3309913 956/G02 F 116,000.00 ZZ
360 115,936.64 1
10226 PARK STREET 9.000 933.36 65
8.750 933.36 180,000.00
BELLFLOWER CA 90706 1 02/08/00 00
0431938562 05 04/01/00 0
510010168 O 03/01/30
0
3309914 956/G02 F 84,000.00 ZZ
360 83,954.12 1
7002 CONGRESSIONAL BLVD 9.000 675.88 80
8.750 675.88 105,000.00
SAN ANTONIO TX 78244 1 02/29/00 00
0431950583 03 04/01/00 0
3210020210 O 03/01/30
0
3309994 956/G02 F 74,400.00 ZZ
360 74,363.40 2
23 PINE STREET 9.500 625.60 80
9.250 625.60 93,000.00
DUDLEY MA 01571 1 02/18/00 00
0431950716 05 04/01/00 0
2809110008 O 03/01/30
0
3310031 956/G02 F 172,500.00 ZZ
360 172,500.00 2
9 MANNING ROAD 9.500 1,450.47 75
9.250 1,450.47 230,000.00
CHELMSFORD MA 01824 1 03/02/00 00
0431951292 05 05/01/00 0
2810020132 O 04/01/30
0
1
3310063 956/G02 F 142,000.00 ZZ
360 141,930.16 1
18537 EDGEBROOK LANE 9.500 1,194.01 73
9.250 1,194.01 195,000.00
HUNTINGTON BEAC CA 92648 2 02/01/00 00
0431949791 01 04/01/00 0
609120116 O 03/01/30
0
3310091 956/G02 F 68,000.00 ZZ
360 67,925.44 1
26292 COUNTY ROAD 4 9.000 547.14 80
8.750 547.14 85,000.00
ELKHART IN 46514 1 01/25/00 00
0431950195 05 03/01/00 0
2310010079 O 02/01/30
0
3310130 956/G02 F 93,600.00 ZZ
360 93,491.91 3
2135 2137 2139 ACACIA COURT 8.750 736.35 90
8.500 736.35 104,000.00
STOCKTON CA 95203 1 01/10/00 04
0431949304 05 03/01/00 25
809120192 N 02/01/30
0
3310152 956/G02 F 285,000.00 ZZ
360 284,565.04 1
140 STANISLAUS COURT 8.875 2,267.59 64
8.625 2,267.59 450,000.00
SAN BRUNO CA 94066 2 01/07/00 00
0431950013 05 03/01/00 0
209120173 O 02/01/30
0
3310163 956/G02 F 188,000.00 ZZ
360 187,873.85 4
13360-13396 SW 17TH STREET 8.000 1,379.48 80
7.750 1,379.48 235,000.00
BEAVERTON OR 97008 1 02/07/00 00
0431950005 05 04/01/00 0
1710010135 N 03/01/30
0
3310209 956/G02 F 122,600.00 ZZ
360 122,465.56 1
1120 DELRAY LAKES DRIVE 9.000 986.47 80
8.750 986.47 153,300.00
1
DELRAY BEACH FL 33444 1 01/19/00 00
0431950286 03 03/01/00 0
1209100096 O 02/01/30
0
3310243 956/G02 F 104,000.00 ZZ
360 103,879.89 4
207 LOWER TERRACE #18 21 8.750 818.17 80
8.500 818.17 130,000.00
RUIDOSO NM 88345 1 01/20/00 00
0431949478 05 03/01/00 0
2409120196 O 02/01/30
0
3310510 956/G02 F 204,800.00 ZZ
360 204,551.00 4
8440 WESTWOLD DRIVE A B C & D 8.500 1,574.73 80
8.250 1,574.73 256,000.00
BAKERSFIELD CA 93311 1 01/04/00 00
0431949411 05 03/01/00 0
609090190 N 02/01/30
0
3311360 K08/G02 F 70,000.00 ZZ
360 70,000.00 1
18 VALLEY PLACE 9.375 582.22 70
9.125 582.22 100,000.00
EDGEWATER NJ 07020 1 03/23/00 00
0411810492 05 05/01/00 0
0411810492 N 04/01/30
0
3311362 K08/G02 F 224,050.00 ZZ
360 224,050.00 1
9821 KIKA COURT 9.250 1,843.20 80
9.000 1,843.20 280,086.00
SAN DIEGO CA 92129 1 03/14/00 00
0411850654 03 05/01/00 0
0411850654 N 04/01/30
0
3311363 K08/G02 F 288,750.00 ZZ
360 288,750.00 1
21392 TARRACO 9.000 2,323.35 75
8.750 2,323.35 385,000.00
MISSION VIEJO CA 92692 1 03/15/00 00
0411859341 03 05/01/00 0
0411859341 O 04/01/30
0
1
3311365 K08/G02 F 122,400.00 ZZ
360 122,400.00 1
1740 S.W. HACKMAN TERRACE 9.000 984.86 70
8.750 984.86 174,900.00
STUART FL 34997 1 03/23/00 00
0411863897 05 05/01/00 0
0411863897 O 04/01/30
0
3311370 K08/G02 F 132,300.00 ZZ
360 132,300.00 1
4179 SAXON DRIVE 9.500 1,112.45 90
9.250 1,112.45 147,000.00
NEW SMYRNA BEAC FL 32169 1 03/23/00 10
0411875867 05 05/01/00 25
0411875867 O 04/01/30
0
3311373 K08/G02 F 172,000.00 ZZ
360 172,000.00 1
281 SUSSEX PLACE 8.750 1,353.12 80
8.500 1,353.12 215,000.00
CARSON CITY NV 89703 1 03/14/00 00
0411879505 03 05/01/00 0
0411879505 O 04/01/30
0
3311374 K08/G02 F 47,700.00 ZZ
360 47,700.00 1
1304 ORREL DRIVE 10.000 418.60 90
9.750 418.60 53,000.00
PASADENA TX 77503 1 03/22/00 04
0411879588 05 05/01/00 25
0411879588 N 04/01/30
0
3311440 956/G02 F 193,000.00 ZZ
360 192,894.58 1
1670 MARSH STREET 9.000 1,552.92 64
8.750 1,552.92 305,000.00
SAN JOSE CA 95122 5 02/23/00 00
0431950872 05 04/01/00 0
710020031 O 03/01/30
0
3311502 E82/G02 F 150,000.00 ZZ
360 150,000.00 1
1
8 BRANDY CIRCLE 8.875 1,193.47 58
8.625 1,193.47 262,000.00
MILLSBORO DE 19966 5 03/23/00 00
0400262879 03 05/01/00 0
0400262879 O 04/01/30
0
3311536 956/G02 F 58,100.00 ZZ
360 58,042.61 1
13912 PATRICIA LANE 9.500 488.54 75
9.250 488.54 77,500.00
ALVIN TX 77511 1 01/28/00 00
0431949973 05 03/01/00 0
3210010179 O 02/01/30
0
3311844 956/G02 F 71,800.00 ZZ
360 71,760.78 1
222 ROCKHILL ROAD 9.000 577.72 57
8.750 577.72 126,000.00
ASHEVILLE NC 28803 2 02/17/00 00
0431951128 05 04/01/00 0
2710010127 O 03/01/30
0
3311904 956/G02 F 80,000.00 ZZ
360 79,892.29 1
110 CLINTON LANE 8.000 587.01 77
7.750 587.01 105,000.00
MIDLOTHIAN TX 76065 1 01/20/00 00
0431949551 05 03/01/00 0
1609090218 O 02/01/30
0
3312143 956/G02 F 176,000.00 ZZ
360 175,917.89 1
114 GRANTE ROAD 9.750 1,512.11 80
9.500 1,512.11 220,000.00
GLASTONBURY CT 06033 5 02/15/00 00
0431951219 05 04/01/00 0
3410020006 O 03/01/30
0
3312248 956/G02 F 134,900.00 ZZ
360 134,833.65 4
1325 EAST VISTA AVENUE 9.500 1,134.31 90
9.250 1,134.31 149,900.00
PHOENIX AZ 85020 1 02/02/00 01
0431949122 05 04/01/00 25
1
410010179 O 03/01/30
0
3312496 956/G02 F 90,000.00 ZZ
360 89,950.84 2
4260 NE INDIAN RIVER DRIVE 9.000 724.16 57
8.750 724.16 160,000.00
JENSEN BEACH FL 34957 5 02/07/00 00
0431949148 05 04/01/00 0
1210010121 O 03/01/30
0
3312500 956/G02 F 400,000.00 ZZ
360 399,513.65 1
2220 AVENUE OF THE STARS 8.500 3,075.65 70
#1101 8.250 3,075.65 575,000.00
LOS ANGELES CA 90067 1 01/11/00 00
0431949858 06 03/01/00 0
509120098 O 02/01/30
0
3312533 956/G02 F 121,600.00 ZZ
360 121,444.39 1
3362 ADMIRAL DRIVE 8.250 913.54 80
8.000 913.54 152,000.00
STOCKTON CA 95209 1 01/26/00 00
0431950112 05 03/01/00 0
209100176 O 02/01/30
0
3312579 956/G02 F 160,000.00 ZZ
360 159,841.97 1
1148 EAST WEBSTER DRIVE 9.500 1,345.37 69
9.250 1,345.37 235,000.00
SANDY UT 84092 5 01/31/00 00
0431950138 05 03/01/00 0
2210010082 N 02/01/30
0
3312651 956/G02 F 80,000.00 ZZ
360 79,956.30 1
246 WELFARE AVENUE 9.000 643.70 80
8.750 643.70 100,000.00
WARWICK RI 02888 5 01/31/00 00
0431951540 05 04/01/00 0
2810010062 O 03/01/30
0
1
3312684 956/G02 F 255,000.00 ZZ
360 254,845.52 1
10468 SALINAS RIVER CIRCLE 8.500 1,960.73 75
8.250 1,960.73 340,000.00
FOUNTAIN VALLEY CA 92708 1 02/03/00 00
0431949965 03 04/01/00 0
2210010190 O 03/01/30
0
3312711 956/G02 F 212,250.00 ZZ
360 212,145.60 1
101 CARDINAL COURT 9.500 1,784.71 75
9.250 1,784.71 283,000.00
ISLAND LAKE IL 60042 5 02/18/00 00
0431951334 05 04/01/00 0
2310020034 O 03/01/30
0
3312725 956/G02 F 100,000.00 ZZ
360 99,940.96 1
2717 FALLCREEK DRIVE 8.625 777.79 53
8.375 777.79 190,000.00
CARROLLTON TX 75006 2 02/24/00 00
0431951151 05 04/01/00 0
1610020048 O 03/01/30
0
3312871 956/G02 F 210,000.00 ZZ
360 210,000.00 1
3746 DEVILLE LANE 8.750 1,652.07 72
8.500 1,652.07 291,775.00
ST CHARLES IL 60175 1 03/10/00 00
0431951375 03 05/01/00 0
2310010083 O 04/01/30
0
3312927 956/G02 F 62,000.00 ZZ
360 61,930.22 2
230 234 MCCALL ROAD 8.875 493.30 80
8.625 493.30 77,500.00
ROCHESTER NY 14616 1 01/11/00 00
0431949528 05 03/01/00 0
1110010041 N 02/01/30
0
3312987 956/G02 F 108,000.00 ZZ
360 107,854.58 1
17 CAMINO LARGO 8.000 792.47 71
7.750 792.47 154,000.00
1
SANTA FE NM 87505 2 01/27/00 00
0431949494 05 03/01/00 0
2410010069 O 02/01/30
0
3313106 956/G02 F 93,000.00 ZZ
360 92,886.92 1
7777 WEST 91ST STREET B1160 8.500 715.09 59
8.250 715.09 158,000.00
PLAYA DEL REY CA 90293 1 01/19/00 00
0431950682 01 03/01/00 0
109120154 O 02/01/30
0
3313206 956/G02 F 263,250.00 ZZ
360 263,120.51 1
1011 BROOKMERE DRIVE 9.500 2,213.55 71
9.250 2,213.55 371,000.00
EDMONDS WA 98020 5 02/23/00 00
0431950922 05 04/01/00 0
1410020121 O 03/01/30
0
3313399 G52/G02 F 29,450.00 ZZ
360 29,450.00 1
10853 BRAES BEND DRIVE 9.500 247.63 95
9.250 247.63 31,000.00
HOUSTON TX 77071 1 03/16/00 10
0431933001 01 05/01/00 30
89504145 O 04/01/30
0
3313469 665/G02 F 46,800.00 ZZ
360 46,800.00 1
12860 SIDONIE 9.000 376.56 65
8.750 376.56 72,000.00
WARREN MI 48089 5 03/09/00 00
0431935592 05 05/01/00 0
0001237070 O 04/01/30
0
3313472 562/G02 F 252,000.00 ZZ
360 251,885.51 3
21 VERNON AVENUE 9.875 2,188.24 90
9.625 2,188.24 280,000.00
BROOKLYN NY 11206 1 03/01/00 12
0431935253 07 04/01/00 25
631653 N 03/01/30
0
1
3314805 K08/G02 F 183,200.00 ZZ
360 183,200.00 1
6068 C DURHAM DRIVE 9.625 1,557.18 90
9.375 1,557.18 203,663.00
LAKE WORTH FL 33467 1 03/24/00 04
0411786353 03 05/01/00 25
0411786353 O 04/01/30
0
3314806 K08/G02 F 102,400.00 ZZ
360 102,400.00 1
2304 CLERMONT LANE 8.750 805.58 80
8.500 805.58 128,025.00
DENTON TX 76205 1 03/24/00 00
0411821150 03 05/01/00 0
0411821150 O 04/01/30
0
3314809 K08/G02 F 170,000.00 ZZ
360 170,000.00 1
104 SEA LANE 8.750 1,337.39 70
8.500 1,337.39 245,000.00
TYBEE ISLAND GA 31328 2 03/20/00 00
0411851231 05 05/01/00 0
0411851231 O 04/01/30
0
3314810 K08/G02 F 236,050.00 ZZ
360 236,050.00 1
1201 BRENTWOOD LANE 9.000 1,899.31 95
8.750 1,899.31 248,500.00
BRENTWOOD TN 37027 1 03/24/00 14
0411852411 05 05/01/00 30
0411852411 O 04/01/30
0
3314813 K08/G02 F 54,000.00 ZZ
360 54,000.00 1
1250 SOUTH BROOKHURST STREET 9.750 463.94 75
UNIT # 1023 9.500 463.94 72,000.00
ANAHEIM CA 92804 1 03/14/00 00
0411853443 01 05/01/00 0
0411853443 N 04/01/30
0
3314814 K08/G02 F 197,100.00 ZZ
360 197,100.00 4
1
1885 PLAZA SERENA 9.625 1,675.33 90
9.375 1,675.33 219,000.00
ONTARIO CA 91764 1 03/17/00 01
0411855174 05 05/01/00 25
0411855174 N 04/01/30
0
3314815 K08/G02 F 60,000.00 ZZ
360 60,000.00 1
1018 EAST 43RD STREET 8.750 472.02 40
8.500 472.02 150,000.00
AUSTIN TX 78751 2 03/20/00 00
0411855901 05 05/01/00 0
0411855901 O 04/01/30
0
3314816 K08/G02 F 69,600.00 ZZ
360 69,600.00 1
1100 LITTLE GARDEN CIRCLE 9.000 560.02 80
8.750 560.02 87,000.00
PORT ORANGE FL 32119 1 03/24/00 00
0411856883 03 05/01/00 0
0411856883 O 04/01/30
0
3314817 K08/G02 F 160,000.00 ZZ
360 160,000.00 3
5012 W. WASHINGTON 9.750 1,374.65 80
9.500 1,374.65 200,000.00
CHICAGO IL 60649 1 03/24/00 00
0411856917 05 05/01/00 0
0411856917 N 04/01/30
0
3314819 K08/G02 F 63,600.00 ZZ
360 63,600.00 1
8511 TEMPLE ROAD 9.750 546.42 80
9.500 546.42 79,500.00
PHILADELPHIA PA 19150 5 03/24/00 00
0411858715 05 05/01/00 0
0411858715 N 04/01/30
0
3314820 K08/G02 F 103,500.00 ZZ
360 103,500.00 4
3129 PHOENIX STREET 9.750 889.22 90
9.500 889.22 115,000.00
KENNER LA 70065 1 03/24/00 01
0411859473 05 05/01/00 25
1
0411859473 N 04/01/30
0
3314822 K08/G02 F 136,000.00 ZZ
360 136,000.00 1
547 NORTH 300 EAST 8.875 1,082.08 80
UNIT # 7 8.625 1,082.08 170,000.00
PROVO UT 84606 1 03/16/00 00
0411863319 01 05/01/00 0
0411863319 N 04/01/30
0
3314826 K08/G02 F 34,400.00 ZZ
360 34,400.00 1
2430 MT OLIVET RD. 9.250 283.00 80
9.000 283.00 43,000.00
KALAMAZOO MI 49004 1 03/24/00 00
0411874936 05 05/01/00 0
0411874936 N 04/01/30
0
3314828 K08/G02 F 94,500.00 ZZ
360 94,500.00 1
29 NE 16 STREET 10.000 829.31 90
9.750 829.31 105,000.00
FT LAUDERDALE FL 33304 1 03/24/00 10
0411876949 05 05/01/00 25
0411876949 O 04/01/30
0
3314829 K08/G02 F 166,500.00 ZZ
360 166,500.00 1
1000 HIGHLAND PARK DRIVE 9.375 1,384.86 90
9.125 1,384.86 185,000.00
COLLEGE PLACE WA 99324 1 03/21/00 01
0411877277 05 05/01/00 25
0411877277 O 04/01/30
0
3314831 K08/G02 F 46,800.00 ZZ
360 46,800.00 1
7241 MIAMI LAKES DRIVE 9.750 402.08 90
UNIT #D-10 9.500 402.08 52,000.00
MIAMI FL 33014 1 03/24/00 10
0411879703 01 05/01/00 25
0411879703 N 04/01/30
0
1
3314832 K08/G02 F 270,000.00 ZZ
360 270,000.00 1
1840 THIRD STREET 9.500 2,270.31 90
9.250 2,270.31 300,000.00
NAPA CA 94559 1 03/21/00 04
0411880586 05 05/01/00 25
0411880586 O 04/01/30
0
3314833 K08/G02 F 80,500.00 ZZ
360 80,500.00 1
19 ISHI CIRCLE 8.500 618.98 70
8.250 618.98 115,000.00
SACRAMENTO CA 95833 1 03/22/00 00
0411882046 05 05/01/00 0
0411882046 O 04/01/30
0
3314835 K08/G02 F 85,000.00 ZZ
360 85,000.00 1
4314 STATE HIGHWAY 276 9.250 699.27 78
9.000 699.27 110,000.00
ROCKWALL TX 75032 1 03/24/00 00
0411884927 05 05/01/00 0
0411884927 O 04/01/30
0
3314836 K08/G02 F 148,400.00 ZZ
360 148,400.00 1
6788 TRANSPARENT 9.125 1,207.43 80
8.875 1,207.43 185,500.00
CLARKSTON MI 48346 1 03/24/00 00
0411886310 05 05/01/00 0
0411886310 O 04/01/30
0
3314838 K08/G02 F 108,000.00 ZZ
360 108,000.00 3
2928 JEFFERSON AVE 9.500 908.12 90
9.250 908.12 120,000.00
CINCINNATI OH 45219 1 03/24/00 04
0411891740 05 05/01/00 25
0411891740 N 04/01/30
0
3314839 K08/G02 F 124,800.00 ZZ
360 124,800.00 1
121 JUANITA DRIVE 2-42 8.875 992.96 80
8.625 992.96 156,000.00
1
INCLINE VILLAGE NV 89451 1 03/22/00 00
0411894801 01 05/01/00 0
0411894801 O 04/01/30
0
3314870 E82/G02 F 235,500.00 ZZ
360 235,500.00 1
68 HIGHLAND CROSSING 9.250 1,937.40 60
9.000 1,937.40 396,000.00
SCITUATE MA 02066 5 03/24/00 00
0400261608 05 05/01/00 0
0400261608 O 04/01/30
0
3315159 286/286 F 58,875.00 ZZ
360 58,847.53 1
8069 CREEKSTONE WAY 9.750 505.83 75
9.500 505.83 78,500.00
RIVERDALE GA 30274 5 02/29/00 00
0009980672 07 04/01/00 0
0009980672 N 03/01/30
0
3315160 286/286 F 60,000.00 ZZ
360 59,972.00 1
8071 CREEKSTONE WAY 9.750 515.50 75
9.500 515.50 80,000.00
RIVERDALE GA 30274 5 02/29/00 00
0009980673 07 04/01/00 0
0009980673 N 03/01/30
0
3315161 286/286 F 58,875.00 ZZ
360 58,847.53 1
8073 CREEKSTONE WAY 9.750 505.83 75
9.500 505.83 78,500.00
RIVERDALE GA 30236 5 02/29/00 00
0009980674 07 04/01/00 0
0009980674 N 03/01/30
0
3315162 286/286 F 58,875.00 ZZ
360 58,847.53 1
8077 CREEKSTONE WAY 9.750 505.83 75
9.500 505.83 78,500.00
RIVERDALE GA 30236 5 02/29/00 00
0009980675 07 04/01/00 0
0009980675 N 03/01/30
0
1
3315163 286/286 F 58,875.00 ZZ
360 58,847.53 1
8079 CREEKSTONE WAY 9.750 505.83 75
9.500 505.83 78,500.00
RIVERDALE GA 30236 5 02/29/00 00
0009980676 07 04/01/00 0
0009980676 N 03/01/30
0
3315164 286/286 F 58,875.00 ZZ
360 58,847.53 1
8066 WOODLAKE DRIVE 9.750 505.83 75
9.500 505.83 78,500.00
RIVERDALE GA 30274 5 02/29/00 00
0009980677 07 04/01/00 0
0009980677 N 03/01/30
0
3315165 286/286 F 60,000.00 ZZ
360 59,972.00 1
8068 CREEKSTONE WAY 9.750 515.50 75
9.500 515.50 80,000.00
RIVERDALE GA 30274 5 02/29/00 00
0009980678 07 04/01/00 0
0009980678 N 03/01/30
0
3315166 286/286 F 58,875.00 ZZ
360 58,847.53 1
8070 WOODLAKE DRIVE 9.750 505.83 75
9.500 505.83 78,500.00
RIVERDALE GA 30274 5 02/29/00 00
0009980679 07 04/01/00 0
0009980679 N 03/01/30
0
3316113 F18/G02 F 250,000.00 ZZ
360 250,000.00 1
424 SOUTH 5TH AVENUE 8.875 1,989.12 70
8.625 1,989.12 360,000.00
LA PUENTE CA 91746 5 03/20/00 00
0431944685 05 05/01/00 0
R02545 O 04/01/30
0
3316239 F61/G02 F 100,000.00 ZZ
360 100,000.00 1
1
8335 28TH AVENUE NORTHWEST 9.750 859.15 36
9.500 859.15 279,500.00
SEATTLE WA 98117 1 03/16/00 00
0431938422 05 05/01/00 0
000201S O 04/01/30
0
3316318 253/253 F 135,000.00 ZZ
360 135,000.00 1
856 OVERGLEN DR 9.875 1,172.28 90
9.625 1,172.28 150,000.00
DALLAS TX 75218 1 03/22/00 19
950822 05 05/01/00 25
950822 N 04/01/30
0
3317985 K08/G02 F 69,950.00 ZZ
360 69,950.00 1
248 CITY VIEW DRIVE 9.000 562.83 80
8.750 562.83 87,490.00
FT LAUDERDALE FL 33311 1 03/27/00 00
0411605058 09 05/01/00 0
0411605058 O 04/01/30
0
3317989 K08/G02 F 126,000.00 ZZ
360 126,000.00 1
7345 WATERWHEEL STREET 9.500 1,059.48 90
9.250 1,059.48 140,000.00
COLORADO SPRING CO 80911 2 03/21/00 01
0411809395 05 05/01/00 25
0411809395 O 04/01/30
0
3317991 K08/G02 F 60,000.00 ZZ
360 60,000.00 1
36 NORTHWESTERN TRAIL 9.875 521.01 60
9.625 521.01 100,000.00
HOPATCONG BORO NJ 07843 5 03/27/00 00
0411821820 05 05/01/00 0
0411821820 N 04/01/30
0
3317992 K08/G02 F 380,000.00 G
360 380,000.00 1
8703 SANTANA LANE 9.000 3,057.57 80
8.750 3,057.57 475,000.00
INDIANAPOLIS IN 46278 5 03/22/00 00
0411845589 05 05/01/00 0
1
0411845589 O 04/01/30
0
3317997 K08/G02 F 69,300.00 ZZ
360 69,300.00 1
16620 S. WOLCOTT 9.750 595.39 90
9.500 595.39 77,000.00
MARKHAM IL 60426 1 03/27/00 10
0411851512 05 05/01/00 25
0411851512 N 04/01/30
0
3317998 K08/G02 F 57,500.00 ZZ
360 57,500.00 4
110 NICHOLSON STREET 9.875 499.30 90
9.625 499.30 63,900.00
PORTSMOUTH VA 23702 1 03/27/00 10
0411857717 05 05/01/00 25
0411857717 N 04/01/30
0
3317999 K08/G02 F 68,000.00 ZZ
360 68,000.00 1
311 LAMESA 8.625 528.90 80
8.375 528.90 85,000.00
KINGSLAND TX 78639 2 03/22/00 00
0411862642 03 05/01/00 0
0411862642 O 04/01/30
0
3318001 K08/G02 F 205,000.00 ZZ
360 205,000.00 1
27 COWEE STREET 8.875 1,631.07 73
8.625 1,631.07 282,000.00
SLYVA NC 28779 5 03/21/00 00
0411869571 05 05/01/00 0
0411869571 O 04/01/30
0
3318002 K08/G02 F 151,200.00 ZZ
360 151,200.00 1
7821 ESSEX DRIVE, UNIT#103 9.875 1,312.94 90
9.625 1,312.94 168,000.00
HUNTINGTON BEAC CA 92648 5 03/14/00 01
0411871858 01 05/01/00 25
0411871858 O 04/01/30
0
1
3318003 K08/G02 F 94,400.00 ZZ
360 94,400.00 1
3002 FENTON STREET 8.750 742.65 80
8.500 742.65 118,000.00
WHEATRIDGE CO 80214 2 03/22/00 00
0411872989 05 05/01/00 0
0411872989 O 04/01/30
0
3318005 K08/G02 F 123,300.00 ZZ
360 123,300.00 2
907-909 NE 111 STREET 9.500 1,036.77 90
9.250 1,036.77 137,000.00
BISCAYNE PARK FL 33161 1 03/27/00 01
0411876519 05 05/01/00 25
0411876519 N 04/01/30
0
3318007 K08/G02 F 236,000.00 ZZ
360 236,000.00 1
3703 21ST STREET SOUTHEAST 8.750 1,856.61 80
8.500 1,856.61 295,000.00
PUYALLUP WA 98374 2 03/13/00 00
0411879620 05 05/01/00 0
0411879620 O 04/01/30
0
3318008 K08/G02 F 215,200.00 ZZ
360 215,200.00 1
313 NORTH OAK DRIVE 9.250 1,770.40 80
9.000 1,770.40 269,000.00
SURFSIDE BEACH SC 29575 5 03/27/00 00
0411879836 05 05/01/00 0
0411879836 N 04/01/30
0
3318009 K08/G02 F 194,750.00 ZZ
360 194,750.00 2
1020-22 EUTERPE STREET 9.125 1,584.55 95
8.875 1,584.55 205,000.00
NEW ORLEANS LA 70130 1 03/27/00 01
0411880651 05 05/01/00 30
0411880651 O 04/01/30
0
3318012 K08/G02 F 108,000.00 ZZ
360 108,000.00 4
201 EAST 4TH STREET 9.875 937.82 90
9.625 937.82 120,000.00
1
EDMOND OK 73034 1 03/27/00 04
0411882194 05 05/01/00 25
0411882194 N 04/01/30
0
3318013 K08/G02 F 295,000.00 ZZ
360 295,000.00 1
5831 FALLSVIEW LANE 9.250 2,426.89 79
9.000 2,426.89 375,000.00
DALLAS TX 75252 2 03/22/00 00
0411882517 03 05/01/00 0
0411882517 O 04/01/30
0
3318016 K08/G02 F 45,000.00 ZZ
360 45,000.00 1
2019 22ND AVE. 9.375 374.29 90
9.125 374.29 50,000.00
KENOSHA WI 53140 1 03/27/00 01
0411887771 05 05/01/00 25
0411887771 N 04/01/30
0
3318019 K08/G02 F 26,900.00 ZZ
360 26,900.00 2
3144 RISEDORPH 10.000 236.07 90
9.750 236.07 29,900.00
FLINT MI 48506 1 03/27/00 01
0411890106 05 05/01/00 25
0411890106 N 04/01/30
0
3318023 K08/G02 F 489,600.00 ZZ
360 489,600.00 1
1508 EASY STREET 8.875 3,895.48 80
8.625 3,895.48 612,000.00
AUSTIN TX 78746 1 03/27/00 00
0411898281 05 05/01/00 0
0411898281 O 04/01/30
0
3320175 956/G02 F 114,300.00 ZZ
360 113,179.19 1
1553 SOUTH 1100 EAST 9.500 961.10 90
9.250 961.10 127,000.00
SALT LAKE CITY UT 84105 1 01/18/00 11
0431949197 05 03/01/00 25
2209120262 N 02/01/30
0
1
3320629 S48/S48 F 540,000.00 ZZ
360 539,681.19 1
56 JOUFLAS ROAD 8.625 4,200.06 40
8.375 4,200.06 1,375,000.00
WOLCOTT CO 81655 4 02/14/00 00
0023817133 03 04/01/00 0
0023817133 O 03/01/30
0
3320632 S48/S48 F 524,250.00 ZZ
360 523,932.41 1
21201 SADDLE ROCK LANE 8.500 4,031.03 75
8.250 4,031.03 699,000.00
AURORA CO 80016 1 02/29/00 00
0023825318 03 04/01/00 0
0023825318 O 03/01/30
0
3320901 253/253 F 44,925.00 ZZ
360 44,925.00 1
2442 LOYCE ST 9.375 373.67 75
9.125 373.67 59,900.00
MESQUITE TX 75149 1 03/21/00 00
950512 05 05/01/00 0
950512 O 04/01/30
0
3321144 G52/G02 F 50,900.00 ZZ
360 50,900.00 1
3430 LONDON STREET 9.875 441.99 70
9.625 441.99 72,736.00
HEMET CA 92545 1 03/17/00 00
0431943067 05 05/01/00 0
89504353 N 04/01/30
0
3322135 K08/G02 F 240,000.00 ZZ
360 240,000.00 1
216 CASPER DRIVE 8.500 1,845.39 80
8.250 1,845.39 300,000.00
FORT WALTON BEA FL 32547 1 03/28/00 00
0411775182 05 05/01/00 0
0411775182 O 04/01/30
0
3322136 K08/G02 F 312,300.00 ZZ
360 312,300.00 1
1
5012 SOUTH AUCKLAND COURT 9.750 2,683.14 90
9.500 2,683.14 347,000.00
AURORA CO 80015 1 03/28/00 04
0411824980 03 05/01/00 25
0411824980 N 04/01/30
0
3322139 K08/G02 F 252,000.00 ZZ
360 252,000.00 4
1220-1222 1/2 MARTIN LUTHER 9.750 2,165.07 90
KING JR BLVD 9.500 2,165.07 280,000.00
LOS ANGELES CA 90037 1 03/10/00 01
0411847171 05 05/01/00 25
0411847171 N 04/01/30
0
3322140 K08/G02 F 100,300.00 ZZ
360 100,300.00 1
603 B DALTON DRIVE 9.500 843.38 85
9.250 843.38 118,000.00
ESSEX VT 05451 5 03/23/00 10
0411848682 01 05/01/00 12
0411848682 O 04/01/30
0
3322142 K08/G02 F 112,000.00 ZZ
360 112,000.00 1
7621 HEWITT STREET 9.250 921.40 70
9.000 921.40 160,000.00
NORTH RICHLAND TX 76180 5 03/23/00 00
0411861156 05 05/01/00 0
0411861156 O 04/01/30
0
3322145 K08/G02 F 49,600.00 ZZ
360 49,600.00 1
2612 RINGWOOD STREET 9.375 412.55 80
9.125 412.55 62,000.00
CHARLOTTE NC 28208 2 03/28/00 00
0411864572 05 05/01/00 0
0411864572 N 04/01/30
0
3322146 K08/G02 F 56,800.00 ZZ
360 56,800.00 1
2007 HEYWOOD AVENUE 9.375 472.43 80
9.125 472.43 71,000.00
CHARLOTTE NC 28208 2 03/28/00 00
0411864580 05 05/01/00 0
1
0411864580 N 04/01/30
0
3322147 K08/G02 F 76,800.00 ZZ
360 76,800.00 2
2000-2002 UNION STREET 9.375 638.78 80
9.125 638.78 96,000.00
CHARLOTTE NC 28205 2 03/28/00 00
0411864614 05 05/01/00 0
0411864614 N 04/01/30
0
3322148 K08/G02 F 76,800.00 ZZ
360 76,800.00 2
2006-2008 UNION STREET 9.375 638.78 80
9.125 638.78 96,000.00
CHARLOTTE NC 28205 2 03/28/00 00
0411864648 05 05/01/00 0
0411864648 N 04/01/30
0
3322149 K08/G02 F 52,350.00 ZZ
360 52,350.00 1
3303 TUCKASEEGEE ROAD 9.250 430.67 79
9.000 430.67 66,500.00
CHARLOTTE NC 28208 2 03/28/00 00
0411864655 05 05/01/00 0
0411864655 N 04/01/30
0
3322153 K08/G02 F 94,500.00 ZZ
360 94,500.00 1
3226 POTOMAC DRIVE 8.875 751.88 90
8.625 751.88 105,000.00
GARLAND TX 75042 1 03/28/00 01
0411879315 05 05/01/00 25
0411879315 O 04/01/30
0
3322154 K08/G02 F 95,400.00 ZZ
360 95,400.00 4
8 LEANDER STREET 9.750 819.63 90
9.500 819.63 106,000.00
KILLINGLY CT 06239 1 03/28/00 10
0411879760 05 05/01/00 25
0411879760 N 04/01/30
0
1
3322155 K08/G02 F 120,000.00 ZZ
360 120,000.00 1
57 COUNTY ROAD 1788 8.750 944.04 80
8.500 944.04 150,000.00
FARMINGTON NM 87401 5 03/23/00 00
0411880321 05 05/01/00 0
0411880321 O 04/01/30
0
3322156 K08/G02 F 57,600.00 ZZ
360 57,600.00 1
2103 EAST 13TH STREET 9.750 494.87 80
9.500 494.87 72,000.00
AUSTIN TX 78702 2 03/27/00 00
0411881832 05 05/01/00 0
0411881832 N 04/01/30
0
3322157 K08/G02 F 138,400.00 ZZ
360 138,400.00 1
436 TUPELO DRIVE 9.250 1,138.58 68
9.000 1,138.58 205,000.00
NAPERVILLE IL 60540 2 03/23/00 00
0411882996 05 05/01/00 0
0411882996 O 04/01/30
0
3322161 K08/G02 F 42,400.00 ZZ
360 42,400.00 1
914 NW 31ST. STREET 10.000 372.09 80
9.750 372.09 53,000.00
OKLAHOMA CITY OK 73118 5 03/28/00 00
0411887185 05 05/01/00 0
0411887185 N 04/01/30
0
3322163 K08/G02 F 112,500.00 ZZ
360 112,500.00 1
3216 WESTERN DRIVE 8.875 895.10 90
8.625 895.10 125,000.00
AUSTIN TX 78745 1 03/28/00 04
0411892482 05 05/01/00 25
0411892482 O 04/01/30
0
3322164 K08/G02 F 127,800.00 ZZ
360 127,800.00 1
6 N 397 OAKWOOD DRIVE 9.375 1,062.98 90
9.125 1,062.98 142,000.00
1
ST. CHARLES IL 60174 1 03/28/00 01
0411894058 05 05/01/00 25
0411894058 O 04/01/30
0
3322335 E82/G02 F 122,000.00 ZZ
360 122,000.00 1
13 COVESIDE LANE 8.875 970.69 80
8.625 970.69 152,500.00
STONINGTON CT 06378 1 03/31/00 00
0400267985 29 05/01/00 0
0400267985 O 04/01/30
0
3322343 E82/G02 F 103,500.00 ZZ
360 103,500.00 1
1030 NORTH STATE STREET #20A 9.750 889.22 90
9.500 889.22 115,000.00
CHICAGO IL 60611 1 03/31/00 04
0400266821 06 05/01/00 25
0400266821 O 04/01/30
0
3323267 225/225 F 304,000.00 ZZ
360 303,829.56 1
625 S MAPLE AVE 8.875 2,418.77 80
8.625 2,418.77 380,000.00
GLEN ROCK NJ 07452 1 02/23/00 00
7175577 05 04/01/00 0
7175577 O 03/01/30
0
3323336 074/G02 F 440,400.00 ZZ
360 440,400.00 1
CHESTNUT DRIVE 9.750 3,783.72 23
9.500 3,783.72 2,000,000.00
WILMETTE IL 60091 2 03/06/00 00
0431957026 05 05/01/00 0
1583272473 O 04/01/30
0
3323362 074/G02 F 421,000.00 ZZ
360 421,000.00 1
2424 HERITAGE WAY 9.750 3,617.05 66
9.500 3,617.05 645,000.00
UNION CITY CA 94587 2 03/02/00 00
0431957349 05 05/01/00 0
1561468380 O 04/01/30
0
1
3323486 742/G02 F 113,000.00 ZZ
360 113,000.00 1
125 THAMESFORD COURT 9.250 929.62 72
9.000 929.62 158,386.00
AMHERST NY 14221 1 03/24/00 00
0431945427 05 05/01/00 0
4885950 O 04/01/30
0
3323702 765/G02 F 368,000.00 ZZ
360 368,000.00 1
216 CANAL STREET 9.250 3,027.45 80
9.000 3,027.45 460,000.00
NEWPORT BEACH CA 92663 2 03/15/00 00
0431939230 05 05/01/00 0
123264A O 04/01/30
0
3326003 K08/G02 F 225,000.00 ZZ
360 225,000.00 3
241 NORTH AVENUE 10.000 1,974.54 90
9.750 1,974.54 250,000.00
FANWOOD NJ 07023 1 03/29/00 10
0411834682 05 05/01/00 25
0411834682 N 04/01/30
0
3326010 K08/G02 F 115,900.00 ZZ
360 115,900.00 1
15081 EAST JARVIS PLACE 8.875 922.15 95
8.625 922.15 122,000.00
AURORA CO 80014 1 03/29/00 01
0411860232 09 05/01/00 30
0411860232 O 04/01/30
0
3326017 K08/G02 F 38,300.00 ZZ
360 38,300.00 1
812 SWAN LAKE ROAD 9.875 332.58 80
9.625 332.58 47,875.00
EDMOND OK 73003 1 03/29/00 00
0411874431 07 05/01/00 0
0411874431 N 04/01/30
0
3326018 K08/G02 F 64,800.00 ZZ
360 64,800.00 3
1
248-250 PARK AVENUE 9.750 556.73 90
9.500 556.73 72,000.00
WOONSOCKET RI 02895 1 03/29/00 10
0411877434 05 05/01/00 25
0411877434 N 04/01/30
0
3326019 K08/G02 F 102,400.00 ZZ
360 102,400.00 1
501 E. OLIVER STREET 9.000 823.93 80
8.750 823.93 128,000.00
MOAB UT 84532 1 03/29/00 00
0411879224 05 05/01/00 0
0411879224 O 04/01/30
0
3326023 K08/G02 F 310,500.00 ZZ
360 310,500.00 1
7644 QUARTZ STREET 9.875 2,696.22 90
9.625 2,696.22 345,000.00
ARVADA CO 80007 1 03/29/00 04
0411884497 05 05/01/00 25
0411884497 O 04/01/30
0
3326024 K08/G02 F 163,000.00 T
360 163,000.00 1
5555 COLLINS AVE, UNIT#17H 9.375 1,355.75 75
9.125 1,355.75 217,500.00
MIAMI FL 33140 1 03/29/00 00
0411885296 06 05/01/00 0
0411885296 O 04/01/30
0
3326027 K08/G02 F 276,000.00 ZZ
360 276,000.00 1
1334 LAKEVIEW BLVD EAST 9.375 2,295.63 80
9.125 2,295.63 345,000.00
SEATTLE WA 98102 1 03/24/00 00
0411888340 05 05/01/00 0
0411888340 N 04/01/30
0
3326030 K08/G02 F 40,000.00 ZZ
360 40,000.00 1
604 BLUEBONNET STREET 9.250 329.07 80
9.000 329.07 50,000.00
JOHNSON CITY TX 78636 1 03/29/00 00
0411899453 05 05/01/00 0
1
0411899453 O 04/01/30
0
3326450 076/076 F 852,500.00 ZZ
360 852,069.49 1
201 ALLMOND LN 9.375 7,090.66 54
9.125 7,090.66 1,600,000.00
ALPHARETTA GA 30004 2 02/28/00 00
8411747 05 04/01/00 0
8411747 O 03/01/30
0
3326521 664/G02 F 147,200.00 ZZ
360 147,200.00 1
17540 BALTAR STREET 8.875 1,171.19 80
8.625 1,171.19 184,000.00
NORTHRIDGE AREA CA 91325 1 03/17/00 00
0431942192 05 05/01/00 0
0003381894 O 04/01/30
0
3326618 665/G02 F 335,000.00 ZZ
360 334,791.78 1
2166 DEL MONTE AVENUE 8.375 2,546.24 78
8.125 2,546.24 430,000.00
SANTA CLARA CA 95051 5 02/28/00 00
0431942754 05 04/01/00 0
0001237039 O 03/01/30
0
3327710 286/286 F 120,000.00 ZZ
360 119,925.41 1
4832 BUCKHORN CT 8.375 912.09 80
8.125 912.09 150,000.00
POWDER SPRINGS GA 30127 2 02/28/00 00
0000651105 03 04/01/00 0
0000651105 O 03/01/30
0
3327711 286/286 F 172,000.00 ZZ
360 171,901.04 1
4543 E FERNWOOD CT 8.750 1,353.13 80
8.500 1,353.13 215,000.00
PHOENIX AZ 85331 1 02/23/00 00
0000651660 03 04/01/00 0
0000651660 O 03/01/30
0
1
3327712 286/286 F 260,800.00 ZZ
360 260,649.95 1
16256 E PRENTICE PL 8.750 2,051.72 80
8.500 2,051.72 326,000.00
AURORA CO 80015 5 02/18/00 00
0000652482 03 04/01/00 0
0000652482 O 03/01/30
0
3327713 286/286 F 152,650.00 ZZ
360 152,562.17 1
15337 EAST PALOMINO BLVD 8.750 1,200.90 80
8.500 1,200.90 190,850.00
FOUNTAIN HILLS AZ 85268 1 02/17/00 00
0000653781 05 04/01/00 0
0000653781 O 03/01/30
0
3327714 286/286 F 620,000.00 ZZ
360 619,614.63 1
2904 GEORGE B HATLEY DRIVE 8.375 4,712.45 80
8.125 4,712.45 775,000.00
AUSTIN TX 78746 1 02/29/00 00
0009633563 05 04/01/00 0
0009633563 O 03/01/30
0
3327715 286/286 F 253,000.00 ZZ
360 252,854.43 1
18190 SE YOUNGS LANE 8.750 1,990.36 78
8.500 1,990.36 325,000.00
BORING OR 97009 5 02/11/00 00
0009979188 05 04/01/00 0
0009979188 O 03/01/30
0
3327716 286/286 F 165,000.00 T
360 164,907.49 1
3204 DUFFY STREET 8.875 1,312.82 75
8.625 1,312.82 220,000.00
MYRTLE BEACH SC 29582 1 02/28/00 00
0009980642 05 04/01/00 0
0009980642 O 03/01/30
0
3327717 286/286 F 516,000.00 ZZ
360 515,662.46 1
605 NW 158TH 8.125 3,831.29 80
7.875 3,831.29 645,000.00
1
EDMOND OK 73013 5 02/16/00 00
0009984575 05 04/01/00 0
0009984575 O 03/01/30
0
3327718 286/286 F 550,000.00 T
360 549,675.28 1
8431 DRAKE LANE 8.625 4,277.85 79
8.375 4,277.85 705,000.00
WILLIAMSBURG MI 49690 1 02/28/00 00
0009987101 05 04/01/00 0
0009987101 O 03/01/30
0
3328794 696/G02 F 148,000.00 ZZ
360 148,000.00 1
1333 BELMONT STREET, N.W. 9.250 1,217.56 80
9.000 1,217.56 185,000.00
WASHINGTON DC 20009 1 03/30/00 00
0431942242 05 05/01/00 0
31900024 N 04/01/30
0
3328936 225/225 F 490,000.00 ZZ
353 489,445.88 1
13923 SUNNYBROOK ROAD 9.125 4,002.05 76
8.875 4,002.05 650,000.00
PHOENIX MD 21131 4 02/04/00 00
7132337 05 03/01/00 0
7132337 O 07/01/29
0
3330621 168/168 F 195,000.00 ZZ
360 195,000.00 1
81 ELLENSUE DRIVE 8.875 1,551.51 73
8.625 1,551.51 270,000.00
DEER PARK NY 11729 5 03/24/00 00
0189547111 05 05/01/00 0
0189547111 O 04/01/30
0
3330656 637/G02 F 76,500.00 ZZ
360 76,500.00 1
13472 POUSSON ROAD 9.375 636.29 90
9.125 636.29 85,000.00
IOWA LA 70647 1 03/17/00 11
0431959881 05 05/01/00 25
0017677196 O 04/01/30
0
1
3330658 G81/G02 F 108,550.00 T
360 108,550.00 1
6767 COLLINS AVENUE UNIT 1107 9.750 932.62 65
9.500 932.62 167,000.00
MIAMI BEACH FL 33141 1 03/28/00 00
0431944677 06 05/01/00 0
200003081 O 04/01/30
0
3330799 637/G02 F 135,000.00 ZZ
360 135,000.00 4
350 EAST 5TH AVENUE 9.875 1,172.27 90
9.625 1,172.27 150,000.00
MESA AZ 85210 1 03/14/00 01
0431948181 05 05/01/00 25
0015371222 N 04/01/30
0
3330878 K08/G02 F 65,600.00 ZZ
360 65,600.00 1
82 SE ONTARIO WAY 10.000 575.69 90
9.750 575.69 72,900.00
STUART FL 34997 1 03/30/00 10
0411802812 09 05/01/00 25
0411802812 O 04/01/30
0
3330880 K08/G02 F 95,400.00 ZZ
360 95,400.00 1
133 BANCROFT DRIVE 9.000 767.61 90
8.750 767.61 106,000.00
GARLAND TX 75040 2 03/29/00 01
0411824014 05 05/01/00 25
0411824014 N 04/01/30
0
3330881 K08/G02 F 232,500.00 T
360 232,500.00 1
2595 STERLING CIRCLE 9.375 1,933.82 75
9.125 1,933.82 310,000.00
LAS VEGAS NV 89120 5 03/15/00 00
0411830458 05 05/01/00 0
0411830458 O 04/01/30
0
3330883 K08/G02 F 170,000.00 ZZ
360 170,000.00 1
1
2053 BEECH COURT 9.000 1,367.86 80
8.750 1,367.86 212,500.00
GOLDEN CO 80401 1 03/30/00 00
0411854474 05 05/01/00 0
0411854474 N 04/01/30
0
3330884 K08/G02 F 104,850.00 ZZ
360 104,850.00 1
349 ALLEGHANY 9.250 862.58 90
9.000 862.58 116,500.00
GRAYSLAKE IL 60030 1 03/30/00 01
0411857006 05 05/01/00 25
0411857006 N 04/01/30
0
3330887 K08/G02 F 103,750.00 ZZ
360 103,750.00 1
557 BEE TREE ROAD 9.875 900.91 67
9.625 900.91 155,000.00
SWANNANOA NC 28778 2 03/30/00 00
0411870744 05 05/01/00 0
0411870744 N 04/01/30
0
3330888 K08/G02 F 59,200.00 ZZ
360 59,200.00 1
9503 NORTH CREEK DRIVE 10.000 519.52 80
9.750 519.52 74,000.00
AUSTIN TX 78758 5 03/27/00 00
0411871049 05 05/01/00 0
0411871049 N 04/01/30
0
3330889 K08/G02 F 370,000.00 ZZ
360 370,000.00 1
18 PEARTREE LANE 8.750 2,910.79 79
8.500 2,910.79 470,000.00
ROLLING HLS EST CA 90274 1 03/24/00 00
0411871510 09 05/01/00 0
0411871510 O 04/01/30
0
3330890 K08/G02 F 61,200.00 ZZ
360 61,200.00 2
212-214 FOUNTAIN AVENUE 10.000 537.07 90
9.750 537.07 68,000.00
DAYTON OH 45405 1 03/30/00 01
0411872435 05 05/01/00 25
1
0411872435 N 04/01/30
0
3330891 K08/G02 F 75,000.00 ZZ
360 75,000.00 1
1844 VIOLA 9.500 630.64 71
9.250 630.64 106,000.00
ORTONVILLE MI 48462 1 03/30/00 00
0411873201 05 05/01/00 0
0411873201 O 04/01/30
0
3330892 K08/G02 F 182,400.00 ZZ
360 182,400.00 1
3569 SUMMERTREE LANE 8.375 1,386.37 80
8.125 1,386.37 228,000.00
CORONA CA 92881 1 03/27/00 00
0411874365 05 05/01/00 0
0411874365 O 04/01/30
0
3330893 K08/G02 F 67,500.00 ZZ
360 67,500.00 3
132 1/2 RIPLEY PLACE 9.625 573.74 90
9.375 573.74 75,000.00
ELIZABETH NJ 07206 1 03/30/00 10
0411875180 05 05/01/00 25
0411875180 N 04/01/30
0
3330896 K08/G02 F 43,200.00 ZZ
360 43,200.00 1
4108 HELENA AVENUE 10.000 379.11 80
9.750 379.11 54,000.00
YOUNGSTOWN OH 44512 5 03/30/00 00
0411881840 05 05/01/00 0
0411881840 N 04/01/30
0
3330897 K08/G02 F 26,250.00 ZZ
360 26,250.00 1
9C CROSSING CIRCLE 9.875 227.94 75
UNIT #9-C 9.625 227.94 35,000.00
BOYNTON BEACH FL 33435 1 03/30/00 00
0411882566 01 05/01/00 0
0411882566 N 04/01/30
0
1
3330899 K08/G02 F 27,750.00 ZZ
360 27,750.00 1
17-C CROSSING CIRCLE 9.875 240.97 75
UNIT # 17-C 9.625 240.97 37,000.00
BOYNTON BEACH FL 33435 1 03/30/00 00
0411887334 01 05/01/00 0
0411887334 N 04/01/30
0
3330900 K08/G02 F 26,250.00 ZZ
360 26,250.00 1
4-D CROSSING CIRCLE 9.875 227.94 75
UNIT #4-D 9.625 227.94 35,000.00
BOYNTON BEACH FL 33435 1 03/30/00 00
0411887441 01 05/01/00 0
0411887441 N 04/01/30
0
3330901 K08/G02 F 202,500.00 ZZ
360 202,500.00 1
16221 ANDERSON DRIVE 9.250 1,665.92 90
9.000 1,665.92 225,000.00
SONORA CA 95370 1 03/27/00 01
0411887524 05 05/01/00 25
0411887524 O 04/01/30
0
3330907 K08/G02 F 114,000.00 ZZ
360 114,000.00 1
295 MAJORAM DR 8.875 907.04 75
8.625 907.04 154,000.00
GAHANNA OH 43230 1 03/30/00 00
0411894694 05 05/01/00 0
0411894694 O 04/01/30
0
3330910 K08/G02 F 106,650.00 ZZ
360 106,650.00 1
11340 RED FINCH LANE 9.500 896.77 90
9.250 896.77 118,531.00
CHARLOTTE NC 28214 1 03/29/00 11
0411899081 05 05/01/00 25
0411899081 N 04/01/30
0
3330911 K08/G02 F 45,000.00 ZZ
360 45,000.00 2
3225-27 ST. ANN STREET 9.875 390.76 90
9.625 390.76 50,000.00
1
NEW ORLEANS LA 70119 1 03/30/00 01
0411899628 05 05/01/00 25
0411899628 N 04/01/30
0
3330913 K08/G02 F 57,600.00 ZZ
360 57,600.00 1
84 SALEM ROAD 9.250 473.86 80
9.000 473.86 72,000.00
WEAVERVILLE NC 28787 1 03/30/00 00
0411899800 05 05/01/00 0
0411899800 N 04/01/30
0
3330914 K08/G02 F 400,000.00 ZZ
360 400,000.00 1
6524 HIDDEN CREEK COURT 8.875 3,182.58 80
8.625 3,182.58 500,000.00
PLANO TX 75024 1 03/30/00 00
0411900376 03 05/01/00 0
0411900376 O 04/01/30
0
3330926 623/623 F 157,000.00 ZZ
360 157,000.00 1
38145 CIRCLE DRIVE 9.250 1,291.60 74
9.000 1,291.60 215,000.00
HARRISON TOWNSH MI 48045 5 03/15/00 00
5246892 05 05/01/00 0
5246892 O 04/01/30
0
3331345 225/225 F 328,000.00 ZZ
360 327,834.36 1
5900 WEST DILLON WASH ROAD 9.375 2,728.14 80
9.125 2,728.14 410,000.00
PRESCOTT AZ 86305 1 02/28/00 00
7177122 03 04/01/00 0
7177122 O 03/01/30
0
3332817 K08/G02 F 93,550.00 ZZ
360 93,550.00 1
1423 HILLSIDE COURT 8.500 719.32 80
8.250 719.32 116,990.00
SAUK RAPIDS MN 56379 1 03/31/00 00
0411838337 05 05/01/00 0
0411838337 O 04/01/30
0
1
3332819 K08/G02 F 201,150.00 ZZ
360 201,150.00 1
7204 MARANATHA COURT 8.875 1,600.44 90
8.625 1,600.44 223,500.00
COLLEYVILLE TX 76034 1 03/31/00 10
0411844376 05 05/01/00 25
0411844376 O 04/01/30
0
3332824 K08/G02 F 128,500.00 ZZ
360 128,500.00 4
1708 SPRING ROSE CIRCLE 9.875 1,115.83 90
UNIT A-D 9.625 1,115.83 142,800.00
KILLEEN TX 76543 1 03/29/00 04
0411859432 05 05/01/00 25
0411859432 N 04/01/30
0
3332829 K08/G02 F 65,250.00 ZZ
360 65,250.00 1
116 WICKHAM FARM RD 9.000 525.02 90
8.750 525.02 72,500.00
UNION OH 45322 1 03/31/00 04
0411867765 05 05/01/00 25
0411867765 N 04/01/30
0
3332830 K08/G02 F 144,200.00 ZZ
360 144,200.00 1
1410 LAKE 9.500 1,212.51 80
9.250 1,212.51 180,250.00
EVANSTON IL 60201 1 03/31/00 00
0411868854 05 05/01/00 0
0411868854 N 04/01/30
0
3332845 K08/G02 F 109,650.00 ZZ
360 109,650.00 1
136 REGENCY BLVD 8.375 833.42 85
8.125 833.42 129,000.00
PUEBLO CO 81005 2 03/27/00 01
0411879463 05 05/01/00 12
0411879463 O 04/01/30
0
3332855 K08/G02 F 111,500.00 ZZ
360 111,500.00 1
1
407 W. MAYFIELD DRIVE 8.750 877.17 70
8.500 877.17 160,000.00
GRAND JUNCTION CO 81503 5 03/23/00 00
0411881493 05 05/01/00 0
0411881493 O 04/01/30
0
3332856 K08/G02 F 52,000.00 ZZ
360 52,000.00 1
1212 JONES STREET 9.750 446.76 80
9.500 446.76 65,000.00
TAYLOR TX 76574 2 03/31/00 00
0411881816 05 05/01/00 0
0411881816 N 04/01/30
0
3332857 K08/G02 F 81,900.00 ZZ
360 81,900.00 3
105-107 REBEKAH STREET 8.875 651.63 90
8.625 651.63 91,000.00
WOONSOCKET RI 02895 1 03/31/00 10
0411882699 05 05/01/00 25
0411882699 N 04/01/30
0
3332860 K08/G02 F 148,000.00 ZZ
360 148,000.00 4
342 SOMERSET STREET 9.250 1,217.56 80
9.000 1,217.56 185,000.00
NORTH PLAINFIEL NJ 07060 1 03/31/00 00
0411884513 05 05/01/00 0
0411884513 N 04/01/30
0
3332874 K08/G02 F 252,700.00 ZZ
360 252,700.00 1
5411 SYCAMORE COURT 8.625 1,965.47 79
8.375 1,965.47 320,000.00
COLLEYVILLE TX 76034 5 03/27/00 00
0411890262 05 05/01/00 0
0411890262 O 04/01/30
0
3332877 K08/G02 F 138,800.00 T
360 138,800.00 1
825 WEST BEACH BLVD., UNTI#122 9.375 1,154.47 80
9.125 1,154.47 173,500.00
GULF SHORES AL 36542 1 03/31/00 00
0411894850 06 05/01/00 0
1
0411894850 O 04/01/30
0
3332879 K08/G02 F 71,700.00 T
360 71,700.00 1
8722-B ROCKINGHAM TERRACE 9.500 602.89 75
UNIT #29 9.250 602.89 95,600.00
KISSIMEE FL 34747 1 03/29/00 00
0411895972 01 05/01/00 0
0411895972 O 04/01/30
0
3332881 K08/G02 F 116,000.00 ZZ
360 116,000.00 2
4712 N. KNOX 8.750 912.57 80
8.500 912.57 145,000.00
CHICAGO IL 60618 1 03/31/00 00
0411896962 05 05/01/00 0
0411896962 O 04/01/30
0
3332884 K08/G02 F 60,300.00 ZZ
360 60,300.00 2
730-732 DYER AVENUE 9.500 507.04 90
9.250 507.04 67,000.00
CRANSTON RI 02920 1 03/31/00 01
0411897895 05 05/01/00 25
0411897895 N 04/01/30
0
3332886 K08/G02 F 144,000.00 ZZ
360 144,000.00 4
3508 MARTINIQUE AVENUE 9.750 1,237.18 90
UNIT 1-4 9.500 1,237.18 160,000.00
KENNER LA 70065 1 03/31/00 01
0411898174 05 05/01/00 25
0411898174 N 04/01/30
0
3332887 K08/G02 F 144,000.00 ZZ
360 144,000.00 4
3500 MARTINIQUE AVENUE UN 9.750 1,237.18 90
9.500 1,237.18 160,000.00
KENNER LA 70065 1 03/31/00 01
0411898240 05 05/01/00 25
0411898240 N 04/01/30
0
1
3332888 K08/G02 F 67,500.00 ZZ
360 67,500.00 1
209 DUNCAN WAY 9.000 543.12 90
8.750 543.12 75,000.00
WYLIE TX 75098 1 03/31/00 01
0411898380 05 05/01/00 25
0411898380 N 04/01/30
0
3332889 K08/G02 F 118,000.00 ZZ
360 118,000.00 1
8554 SAN BENITO WAY 9.375 981.46 80
9.125 981.46 147,500.00
DALLAS TX 75218 1 03/28/00 00
0411898661 05 05/01/00 0
0411898661 N 04/01/30
0
3332890 K08/G02 F 144,000.00 ZZ
360 144,000.00 4
3516 MARTINIQUE AVENUE 9.750 1,237.18 90
UNIT 1-4 9.500 1,237.18 160,000.00
KENNER LA 70065 1 03/31/00 01
0411898836 05 05/01/00 25
0411898836 N 04/01/30
0
3332893 K08/G02 F 76,800.00 ZZ
360 76,800.00 1
45 N.E. 103 ST 9.125 624.87 80
8.875 624.87 96,000.00
MIAMI SHORES FL 33138 1 03/31/00 00
0411901192 05 05/01/00 0
0411901192 N 04/01/30
0
3332902 K08/G02 F 137,350.00 ZZ
360 137,350.00 1
1671 VALDOSTA CIRCLE 9.125 1,117.52 90
8.875 1,117.52 152,640.00
PONTIAC MI 48340 1 03/31/00 01
0411905771 05 05/01/00 25
0411905771 O 04/01/30
0
3332903 K08/G02 F 118,700.00 ZZ
360 118,700.00 1
12143 STEWART'S CROSSING 9.750 1,019.82 90
9.500 1,019.82 131,919.00
1
CHARLOTTE NC 28215 1 03/31/00 10
0411906241 05 05/01/00 25
0411906241 N 04/01/30
0
3333938 183/G02 F 54,000.00 ZZ
360 54,000.00 1
4800 CHICAGO BEACH DR 9.875 468.91 68
UNIT 114N 9.625 468.91 80,000.00
CHICAGO IL 60616 5 03/27/00 00
0431945450 06 05/01/00 0
800345266 N 04/01/30
0
3335014 462/G02 F 112,800.00 ZZ
360 112,800.00 1
16252 SW 102 TERRACE 9.000 907.62 80
8.750 907.62 141,000.00
MIAMI FL 33196 1 03/29/00 00
0431954767 09 05/01/00 0
0007968902 O 04/01/30
0
3335868 B28/G02 F 203,900.00 ZZ
360 203,900.00 1
12601 NORTH TENDERFOOT TRAIL 9.125 1,659.00 80
8.875 1,659.00 254,900.00
PARKER CO 80138 1 03/29/00 00
0431948736 05 05/01/00 0
0002090035 O 04/01/30
0
3336466 E82/G02 F 196,000.00 T
360 196,000.00 1
17165 BALBOA POINT WAY 9.250 1,612.44 80
9.000 1,612.44 245,000.00
BOCA RATON FL 33487 1 03/31/00 00
0400262838 05 05/01/00 0
0400262838 O 04/01/30
0
3337809 676/676 F 192,650.00 T
360 192,650.00 1
155 WAILEA IKE PL #118 9.375 1,602.37 75
9.125 1,602.37 256,880.00
KIHEI HI 96753 1 03/10/00 00
300100328088 01 05/01/00 0
300100328088 O 04/01/30
0
1
3338284 163/G02 F 123,800.00 ZZ
360 123,800.00 1
7770 SW 26 ST 9.250 1,018.47 73
9.000 1,018.47 170,000.00
MIAMI FL 33155 2 03/16/00 00
0431952670 05 05/01/00 0
7717295090 O 04/01/30
0
3338557 F27/F27 F 247,000.00 ZZ
360 246,861.52 1
2020 ROYAL FERN COURT 8.875 1,965.25 80
8.625 1,965.25 310,000.00
BEL AIR MD 21015 1 02/18/00 00
6061104087 05 04/01/00 0
6061104087 O 03/01/30
0
3338609 765/G02 F 106,400.00 ZZ
360 106,400.00 1
2921 BUTTERFLY DRIVE 9.000 856.12 80
8.750 856.12 133,000.00
HAILEY ID 83333 5 03/17/00 00
0431954403 05 05/01/00 0
351636 O 04/01/30
0
3338856 765/G02 F 99,866.00 ZZ
360 99,866.00 1
515 SUMMER STREET 9.000 803.55 85
8.750 803.55 117,490.00
FERNLEY NV 89408 1 03/20/00 04
0431952787 05 05/01/00 12
351939F N 04/01/30
0
3339644 K08/G02 F 310,500.00 ZZ
360 310,500.00 1
250 DE LONG STREET 9.500 2,610.85 90
9.250 2,610.85 345,000.00
SAN FRANCISCO CA 94112 5 03/27/00 01
0411860737 07 05/01/00 25
0411860737 O 04/01/30
0
3343970 K08/G02 F 250,000.00 ZZ
360 250,000.00 1
1
363 SUNBERRY DRIVE 8.500 1,922.28 59
8.250 1,922.28 430,000.00
CAMPBELL CA 95008 5 03/20/00 00
0411878507 05 05/01/00 0
0411878507 O 04/01/30
0
TOTAL NUMBER OF LOANS : 1,511
TOTAL ORIGINAL BALANCE : 217,358,546.00
TOTAL PRINCIPAL BALANCE : 217,106,728.72
TOTAL ORIGINAL P+I : 1,763,440.15
TOTAL CURRENT P+I : 1,763,440.15
***************************
* END OF REPORT *
***************************
<PAGE>
Exhibit TWO
SCHEDULE OF DISCOUNT FRACTIONS
Loan Number Current Balance Net Mortgage Rate Discount Fraction PO Balance
1974022 148894 0.06845 0.116774194 "$17,387.03 "
1973939 61838 0.0697 0.100645161 "$6,223.70 "
1973959 222940 0.0722 0.068387097 "$15,246.24 "
1974114 142787 0.0722 0.068387097 "$9,764.79 "
3276292 160148 0.0722 0.068387097 "$10,952.04 "
1862556 99518 0.0722 0.068387097 "$6,805.73 "
1974028 123053 0.0722 0.068387097 "$8,415.26 "
3276291 226566 0.07345 0.052258065 "$11,839.92 "
1949534 132428 0.0747 0.036129032 "$4,784.48 "
3275407 112379 0.0747 0.036129032 "$4,060.13 "
1979028 136426 0.07595 0.02 "$2,728.52 "
1973995 70000 0.07595 0.02 "$1,400.01 "
1973973 59143 0.07595 0.02 "$1,182.86 "
3201584 180750 0.07595 0.02 "$3,615.00 "
3232201 157062 0.07595 0.02 "$3,141.24 "
3275406 183468 0.07595 0.02 "$3,669.36 "
3181471 152682 0.07595 0.02 "$3,053.64 "
3306824 471675 0.07595 0.02 "$9,433.50 "
3252611 498961 0.07595 0.02 "$9,979.22 "
1973955 115625 0.0772 0.003870968 $447.58
1973238 35546 0.0772 0.003870968 $137.60
1963039 223393 0.0772 0.003870968 $864.75
1974033 99414 0.0772 0.003870968 $384.83
3194697 378970 0.0772 0.003870968 "$1,466.98 "
3312987 107855 0.0772 0.003870968 $417.50
3272213 510446 0.0772 0.003870968 "$1,975.92 "
3275408 111673 0.0772 0.003870968 $432.28
3282058 81845 0.0772 0.003870968 $316.82
3306842 499681 0.0772 0.003870968 "$1,934.25 "
3310163 187874 0.0772 0.003870968 $727.25
3311904 79892 0.0772 0.003870968 $309.26
3126370 521039 0.0772 0.003870968 "$2,016.93 "
6293971 2.30561298% "$145,114.60 "
<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 Senior Percentage 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;
(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.
<PAGE>
EXHIBIT L
[FORM OF LIMITED GUARANTY]
LIMITED GUARANTY
RESIDENTIAL ACCREDIT LOANS, INC.
Mortgage Asset-Backed Pass-Through Certificates
Series ____-___
, 199
==================
- ------------------
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>
