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) December 1, 1999
RESIDENTIAL ACCREDIT LOANS, INC. (as company under a Pooling and Servicing
Agreement dated as of December 1, 1999 providing for, inter alia, the issuance
of Mortgage Asset-Backed Pass-Through Certificates, Series 1999-QS15)
RESIDENTIAL ACCREDIT LOANS, INC.
(EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)
DELAWARE 333-72661 51-0368240
(STATE OR OTHER JURISDICTION (COMMISSION) (I.R.S. EMPLOYER
OF INCORPORATION) FILE NUMBER) IDENTIFICATION NO.)
8400 NORMANDALE LAKE BLVD., SUITE 600, MINNEAPOLIS, MN
55437 (ADDRESS OF PRINCIPAL EXECUTIVE OFFICES) (ZIP CODE)
Registrant's telephone number, including area code (612) 832-7000
(FORMER NAME OR FORMER ADDRESS, IF CHANGED SINCE LAST REPORT)
Exhibit Index located on Page 2
<PAGE>
Items 1 through 6 and Item 8 are not included because they are not applicable.
ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS.
(a) Not applicable
(b) Not applicable
(c) Exhibits (executed copies): The following execution copies of
Exhibits to the Form S-3 Registration Statement of the Registrant are hereby
filed:
Sequentially
Exhibit Numbered
NUMBER EXHIBIT PAGE
10.1 Pooling and Servicing Agreement, dated as of December 1, 1999 among
Residential Accredit Loans, Inc., as company, Residential Funding Corporation,
as master servicer, and Bankers Trust Company, as Trustee.
<PAGE>
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of
1934, the registrant has duly caused this report to be signed on its behalf by
the undersigned thereunto duly authorized.
RESIDENTIAL ACCREDIT LOANS, INC.
BY:
Name: Timothy Pillar
Title: Vice President
Dated: December 30, 1999
<PAGE>
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of
1934, the registrant has duly caused this report to be signed on its behalf by
the undersigned thereunto duly authorized.
RESIDENTIAL ACCREDIT LOANS, INC.
BY: /S/ TIMOTHY PILLAR
Name: Timothy Pillar
Title: Vice President
Dated: December 30, 1999
<PAGE>
EXHIBIT 10.1
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.
EXECUTION COPY
===============================================================================
RESIDENTIAL ACCREDIT LOANS, INC.,
Company,
RESIDENTIAL FUNDING CORPORATION,
Master Servicer,
and
BANKERS TRUST COMPANY,
Trustee
SERIES SUPPLEMENT,
DATED AS OF DECEMBER 1, 1999,
TO
STANDARD TERMS OF
POOLING AND SERVICING AGREEMENT
dated as of December 1, 1999
Mortgage Asset-Backed Pass-Through Certificates
Series 1999-QS15
==============================================================================
<PAGE>
<TABLE>
<CAPTION>
TABLE OF CONTENTS
<S> <C>
ARTICLE I DEFINITIONS...............................................................5
Section 1.01. Definitions...........................................................5
Section 1.02. Use of Words and Phrases.............................................15
Section 1.03. Determination of LIBOR...............................................15
ARTICLE II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES..........17
Section 2.01. Conveyance of Mortgage Loans. (See Section 2.01 of the
Standard Terms)........................................................... 17
Section 2.02. Acceptance by Trustee. (See Section 2.02 of the Standard Terms).....17
Section 2.03. Representations, Warranties and Covenants of the Master
Servicer and the Company....................................................17
Section 2.04. Representations and Warranties of Sellers. (See Section 2.04 of
the Standard Terms).........................................................20
Section 2.05. Execution and Authentication of Certificates.........................20
ARTICLE III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS...........................21
ARTICLE IV PAYMENTS TO CERTIFICATEHOLDERS...........................................22
Section 4.01. Certificate Account. (See Section 4.01 of the Standard Terms).......22
Section 4.02. Distributions........................................................22
Section 4.03. Statements to Certificateholders. (See Section 4.03 of the
Standard Terms and Exhibit Three attached hereto)...........................30
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) 30
Section 4.05. Allocation of Realized Losses........................................30
Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property.
(See Section 4.06 of the Standard Terms)....................................31
Section 4.07. Optional Purchase of Defaulted Mortgage Loans. (See Section
4.07 of the Standard Terms).................................................31
Section 4.08. Surety Bond. (See Section 4.08 of the Standard Terms)................31
ARTICLE V THE CERTIFICATES.........................................................32
ARTICLE VI THE COMPANY AND THE MASTER SERVICER......................................33
ARTICLE VII DEFAULT..................................................................34
ARTICLE VIII CONCERNING THE TRUSTEE...................................................35
ARTICLE IX TERMINATION..............................................................36
ARTICLE X REMIC PROVISIONS.........................................................37
Section 10.01.REMIC Administration. (See Section 10.01 of the Standard Terms).....37
Section 10.04.Distributions on the Uncertificated REMIC I and REMIC II
Regular Interests...........................................................37
Section 10.05.Compliance with Withholding Requirements.............................39
ARTICLE XI MISCELLANEOUS PROVISIONS.................................................40
Section 11.01.Amendment. (See Section 11.01 of the Standard Terms)................40
Section 11.02.Recordation of Agreement. Counterparts. (See Section 11.02 of
the Standard Terms).........................................................40
Section 11.03.Limitation on Rights of Certificateholders. (See Section 11.03
of the Standard Terms)......................................................40
Section 11.04.Governing Laws. (See Section 11.04 of the Standard Terms)...........40
Section 11.05.Notices..............................................................40
Section 11.06.Required Notices to Rating Agency and Subservicer. (See
Section 11.06 of the Standard Terms)........................................41
Section 11.07.Severability of Provisions (See Section 11.07 of the Standard
Terms) .....................................................................41
Section 11.08.Supplemental Provisions for Resecuritization. (See Section
11.08 of the Standard Terms)................................................41
Section 11.09.Allocation of Voting Rights..........................................41
</TABLE>
<PAGE>
EXHIBITS
Exhibit One: Mortgage Loan Schedule
Exhibit Two: Schedule of Discount Fractions
Exhibit Three: Information to be Included in
Monthly Distribution Date Statement
Exhibit Four: Standard Terms of Pooling and Servicing
Agreement Dated as of December 1, 1999
<PAGE>
This is a Series Supplement, dated as of December 1, 1999 (the "Series
Supplement"), to the Standard Terms of Pooling and Servicing Agreement, dated as
of December 1, 1999 and attached as Exhibit Four hereto (the "Standard Terms"
and, together with this Series Supplement, the "Pooling and Servicing Agreement"
or "Agreement"), among RESIDENTIAL ACCREDIT LOANS, INC., as the company
(together with its permitted successors and assigns, the "Company"), RESIDENTIAL
FUNDING CORPORATION, as master servicer (together with its permitted successors
and assigns, the "Master Servicer"), and BANKERS TRUST COMPANY, as Trustee
(together with its permitted successors and assigns, the "Trustee").
PRELIMINARY STATEMENT:
The Company intends to sell mortgage asset-backed pass-through
certificates (collectively, the "Certificates"), to be issued hereunder in
multiple classes, which in the aggregate will evidence the entire beneficial
ownership interest in the Mortgage Loans. As provided herein, the REMIC
Administrator will make an election to treat the entire segregated pool of
assets described in the definition of Trust Fund, and subject to this Agreement
(including the Mortgage Loans but excluding the Initial Monthly Payment Fund),
as one or more real estate mortgage investment conduits (each, a "REMIC") for
federal income tax purposes.
The terms and provisions of the Standard Terms are hereby incorporated
by reference herein as though set forth in full herein. If any term or provision
contained herein shall conflict with or be inconsistent with any provision
contained in the Standard Terms, the terms and provisions of this Series
Supplement shall govern. All capitalized terms not otherwise defined herein
shall have the meanings set forth in the Standard Terms. The Pooling and
Servicing Agreement shall be dated as of the date of the Series Supplement.
<PAGE>
The following table sets forth the designation, type, Pass-Through Rate,
aggregate Initial Certificate Principal Balance, Maturity Date, initial ratings
and certain features for each Class of Certificates comprising the interests in
the Trust Fund created hereunder.
<TABLE>
<CAPTION>
AGGREGATE
INITIAL STANDARD &
CERTIFICATE POOR'S/
PASS-THROUGH PRINCIPAL MATURITY -------------- MINIMUM
DESIGNATION RATE BALANCE FEATURES1 DATE FITCH IBCA DENOMINATIONS2
December
<S> <C> <C> <C> <C> <C> <C>
Class A-1 7.00% $112,000,000.00 Senior 25, 2029 AAA/AAA $25,000.00
Class A-2 7.75% $20,028,000.00 Senior December AAA/AAA $25,000.00
25, 2029
Class A-3 Adjustable $48,000,000.00 Senior/Floater December AAA/AAA $25,000.00
RATE3 25, 2029
CLASS A-4 ADJUSTABLE $0.004 Senior/Interest December AAAr/AAA $25,000.00
RATE3 Only/Inverse 25, 2029
Floater
Class A-5 7.75% $20,253,000.00 Senior/Prepay-ment December AAA/AAA $25,000.00
Lockout 25, 2029
Class A-P 0.00% $242,044.80 Principal December AAAr/AAA $25,000.00
Only/Senior 25, 2029
CLASS A-V VARIABLE $0.006 INTEREST DECEMBER AAAR/AAA 7
RATE5 Only/Senior 25, 2029
CLASS R-I 7.75% $100.00 RESIDUAL/SENIOR DECEMBER AAA/AAA 8
25, 2029
CLASS R-II 7.75% $100.00 RESIDUAL/SENIOR DECEMBER AAA/AAA 8
25, 2029
Class M-1 7.75% $8,695,000.00 Mezzanine December NA/AA $25,000.00
25, 2029
Class M-2 7.75% $2,825,900.00 Mezzanine December NA/A $250,000.00
25, 2029
Class M-3 7.75% $2,391,000.00 Mezzanine December NA/BBB $250,000.00
25, 2029
Class B-1 7.75% $1,412,900.00 Subordinate December NA/BB $250,000.00
25, 2029
Class B-2 7.75% $652,100.00 Subordinate December NA/B $250,000.00
25, 2029
Class B-3 7.75% $869,572.62 Subordinate December NA/NA $250,000.00
25, 2029
</TABLE>
The Mortgage Loans have an aggregate principal balance as of the Cut-off
Date of $217,369,717.42.
<PAGE>
- -----------------------
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, 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
- -------------------------------------------------------------------------------
ADJUSTABLE INITIAL FORMULA MAXIMUM MINIMUM
RATES:
- -------------------------------------------------------------------------------
- -------------------------------------------------------------------------------
Class A-3: 5.90875% LIBOR + 0.45% 9.50% 0.45%
- -------------------------------------------------------------------------------
- -------------------------------------------------------------------------------
Class A-4: 3.59125% 9.05% -LIBOR 9.05% 0.00%
- -------------------------------------------------------------------------------
4 The notional amount of the Class A-4 Certificates will be equal to the
Certificate Principal Balance of the Class A-3 Certificates.
5 The Initial Pass-Through Rate on the Class A-V Certificates is 0.7321%.
6 The notional amount of the Class A-V Certificates will be equal to the
aggregate Stated Principal Balance of the Mortgage Loans.
7 The Class A-V Certificates shall be issuable in minimum denominations of not
less than a 20% Percentage Interest.
8 The Class R Certificates shall be issuable in minimum denominations of not
less than a 20% PERCENTAGE INTEREST; PROVIDED, HOWEVER, that one Class R-I
Certificate and one Class R-II Certificate will be issuable to Residential
Funding as "tax matters person" pursuant to Section 10.01(c) and (e) in a
minimum denomination representing a Percentage Interest of not less than 0.01%.
<PAGE>
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: None.
ACCRUAL CERTIFICATES: None.
BANKRUPTCY AMOUNT: As of any date of determination prior to the first
anniversary of the Cut-off Date, an amount equal to the excess, if any, of (A)
$130,054 over (B) the aggregate amount of Bankruptcy Losses allocated solely to
one or more specific Classes of Certificates in accordance with Section 4.05 of
this Series Supplement. As of any date of determination on or after the first
anniversary of the Cut-off Date, an amount equal to the excess, if any, of
(1) the lesser of (a) the Bankruptcy Amount calculated as of the
close of business on the Business Day immediately preceding the most
recent anniversary of the Cut-off Date coinciding with or preceding such
date of determination (or, if such date of determination is an
anniversary of the Cut-off Date, the Business Day immediately preceding
such date of determination) (for purposes of this definition, the
"Relevant Anniversary") and (b) the greater of
(A) the greater of (i) 0.0006 times the aggregate
principal balance of all the Mortgage Loans in the Mortgage Pool
as of the Relevant Anniversary (other than Additional Collateral
Loans) having a Loan-to-Value Ratio at origination which exceeds
75% and (ii) $100,000; and
(B) the greater of (i) the product of (x) an amount equal
to the largest difference in the related Monthly Payment for any
Non-Primary Residence Loan remaining in the Mortgage Pool (other
than Additional Collateral Loans) which had an original
Loan-to-Value Ratio of 80% or greater that would result if the
Net Mortgage Rate thereof was equal to the weighted average
(based on the principal balance of the Mortgage Loans as of the
Relevant Anniversary) of the Net Mortgage Rates of all Mortgage
Loans as of the Relevant Anniversary less 1.25% per annum, (y) a
number equal to the weighted average remaining term to maturity,
in months, of all Non-Primary Residence Loans remaining in the
Mortgage Pool as of the Relevant Anniversary, and (z) one plus
the quotient of the number of all Non-Primary Residence Loans
remaining in the Mortgage Pool divided by the total number of
Outstanding Mortgage Loans in the Mortgage Pool as of the
Relevant Anniversary, and (ii) $50,000,
over (2) the aggregate amount of Bankruptcy Losses allocated
solely to one or more specific Classes of Certificates in accordance
with Section 4.05 since the Relevant Anniversary.
5
<PAGE>
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 1999-QS15" 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-P or Class A-V 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-I Certificates and Class R-II
Certificates.
CLASS R-I CERTIFICATE: Any one of the Class R-I 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 REMIC I for purposes of the REMIC
Provisions.
CLASS R-II CERTIFICATE: Any one of the Class R-II 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 REMIC II for purposes of the REMIC
Provisions.
CLOSING DATE: December 30, 1999.
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 1999-QS15.
CUT-OFF DATE: December 1, 1999.
DISCOUNT NET MORTGAGE RATE: 7.75% per annum.
DUE PERIOD: With respect to each Distribution Date and any Mortgage
Loan, the period commencing on the second day of the month prior to the month in
which such Distribution Date occurs and ending on the first day of the month in
which such Distribution Date occurs.
6
<PAGE>
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.
FLOATER CERTIFICATES: The Class A-3 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: $29,861, representing scheduled principal
amortization and interest at the Net Mortgage Rate during the Due Period ending
on December 1, 1999, 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
REMIC II Regular Interest Z 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:
7
<PAGE>
Class M-1: 4.00% 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 (other than
the Floater Certificates and the Inverse Floater Certificates) and any
Distribution Date, the calendar month preceding the month in which such
Distribution Date occurs. The Interest Accrual Period for the Floater
Certificates and the Inverse Floater Certificates for any Distribution Date is
the period beginning on the previous Distribution Date (or in the case of the
first Distribution Date, the Closing Date) and ending on the day before such
Distribution Date.
INTEREST ONLY CERTIFICATES: Any one of the Class A-4 Certificates or Class
A-V Certificates. The Interest Only Certificates will have no Certificate
Principal Balance.
INVERSE FLOATER CERTIFICATES: The Class A-4 Certificates.
MATURITY DATE: December 25, 2029, the Distribution Date immediately
following the latest scheduled maturity date of any Mortgage Loan.
MORTGAGE LOAN SCHEDULE: The list or lists of the Mortgage Loans attached
hereto as Exhibit One (as amended from time to time to reflect the addition of
Qualified Substitute Mortgage Loans), which list or lists shall set forth the
following information as to each Mortgage Loan:
(i) the Mortgage Loan identifying number ("RFC LOAN #");
(ii) the street address of the Mortgaged Property (or, with respect
to a Cooperative Loan, the related Cooperative Apartment)
including state and zip code ("ADDRESS");
(iii) the maturity of the Mortgage Note ("MATURITY DATE");
(iv) the Mortgage Rate ("ORIG RATE");
(v) the Subservicer pass-through rate ("CURR NET");
(vi) the Net Mortgage Rate ("NET MTG RT");
(vii) the Pool Strip Rate ("STRIP");
(viii) the initial scheduled monthly payment of principal, if any,
and interest ("ORIGINAL P & I");
(ix) the Cut-off Date Principal Balance ("PRINCIPAL BAL");
(x) the Loan-to-Value Ratio at origination ("LTV");
(xi) the rate at which the Subservicing Fee accrues ("SUBSERV FEE")
and at which the Servicing Fee accrues ("MSTR SERV FEE");
8
<PAGE>
(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, (i) with respect to the
Inverse Floater Certificates, the Certificate Principal Balance of the Floater
Certificates immediately prior to such date, and (ii) 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
Uncertificated REMIC II Regular Interest Z represented by such Class or Subclass
immediately prior to such date.
PASS-THROUGH RATE: With respect to the Class A Certificates (other than
the Floater, Inverse Floater, Class A-V and Class A-P Certificates), Class M
Certificates, Class B Certificates and Class R Certificates and any Distribution
Date, the per annum rates set forth in the Preliminary Statement hereto. With
respect to the Floater Certificates and the initial Interest Accrual Period,
5.90875% per annum, and as to any Interest Accrual Period thereafter, a per
annum rate equal to 0.45% plus LIBOR, subject to a maximum rate of 9.50% per
annum and a minimum rate of 0.45% per annum. With respect to the Inverse Floater
Certificates and the initial Interest Accrual Period, 3.59125% per annum, and as
to any Interest Accrual Period thereafter, a per annum rate equal to 9.05% minus
LIBOR, subject to a maximum rate of 9.05% per annum and a minimum rate of 0.00%
per annum. With respect to the Class A-V Certificates (other than any Subclass
thereof) and any Distribution Date, a rate equal to the weighted average,
expressed as a percentage, of the Pool Strip Rates of all Mortgage Loans as of
the Due Date in the related Due Period, weighted on the basis of the respective
Stated Principal Balances of such Mortgage Loans as of the day immediately
preceding such Distribution Date (or, with respect to the initial Distribution
Date, at the close of business on the Cut-off Date). With respect to the Class
A-V Certificates and the initial Distribution Date the Pass-Through Rate is
equal to 0.7321% 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 Uncertificated REMIC II Regular Interest Z represented by such
Subclass as of the Due Date in the related Due Period, weighted on the basis of
the respective Stated Principal Balances of such Mortgage Loans as of the day
immediately preceding such Distribution Date (or with respect to the initial
Distribution Date, at the close of business on the Cut-off Date). The Principal
Only Certificates have no Pass-Through Rate and are not entitled to Accrued
Certificate Interest.
PREPAYMENT ASSUMPTION: 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
9
<PAGE>
until the twelfth month, and beginning in the twelfth month and in each month
thereafter during the life of the Mortgage Loans, a constant prepayment rate of
16.0% per annum.
PREPAYMENT DISTRIBUTION PERCENTAGE: With respect to any Distribution
Date and each Class of 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
January 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 not discussed in clause (i) above 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
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<PAGE>
Distribution Percentage of each Non-Maturing Class shall be equal
to the sum of (1) the Prepayment Distribution Percentage thereof,
calculated in accordance with the provisions in paragraph (ii)
above as if the Certificate Principal Balance of each Maturing
Class had not been reduced to zero, plus (2) the related
Adjustment Percentage.
PREPAYMENT LOCKOUT PERCENTAGE: For any Distribution Date occurring prior
to the Distribution Date in January 2005 will be 0% and for any Distribution
Date thereafter will be as follows: for any Distribution Date on and after
January 2005 and prior to January 2006, 30%; for any Distribution Date on or
after January 2006 and prior to January 2007, 40%; for any Distribution Date on
or after January 2007 and prior to January 2008, 60%; for any Distribution Date
on or after January 2008 and prior to January 2009, 80%; and for any
Distribution Date thereafter, 100%.
PRINCIPAL ONLY CERTIFICATES: Any one of the Class A-P Certificates.
RELATED CLASSES: As to any Uncertificated REMIC I Regular Interest,
those classes of Certificates identified as "Related Classes of Certificates" to
such Uncertificated REMIC I Regular Interest in the definition of Uncertificated
REMIC I Regular Interest.
REMIC I: The segregated pool of assets, with respect to which a REMIC
election is to be made, consisting of:
(i) the Mortgage Loans and the related Mortgage Files,
(ii) all payments on and collections in respect of the Mortgage
Loans due after the Cut-off Date as shall be on deposit in
the Custodial Account or in the Certificate Account and
identified as belonging to the Trust Fund, including the
proceeds from the liquidation of Additional Collateral for
any Additional Collateral Loan, but not including amounts
on deposit in the Initial Monthly Payment Fund;
(iii) property which secured a Mortgage Loan and which has been
acquired for the benefit of the Certificateholders by
foreclosure or deed in lieu of foreclosure,
(iv) the hazard insurance policies and Primary Insurance
Policies, if any, the Pledged Assets with respect to each
Pledged Asset Mortgage 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.
REMIC I CERTIFICATES: The Class R-I Certificates.
REMIC II: The segregated pool of assets consisting of the Uncertificated
REMIC I Regular Interests conveyed in trust to the Trustee for the benefit of
the holders of each Class of Certificates (other than the Class R-I
Certificates) pursuant to Section 2.06, with respect to which a separate REMIC
election is to be made.
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<PAGE>
REMIC II CERTIFICATES: Any Class of Certificates (other than the Class R-I
Certificates).
SENIOR CERTIFICATE: Any one of the Class A Certificates 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 (1)
Section 4.02(a)(i) and (2) 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
$2,173,697 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
24.64% (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.
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<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 to the extent such amount is not
otherwise distributed to the Senior Certificates; and (v) any amounts described
in clauses (i), (ii) and (iii) as determined for any previous Distribution Date,
that remain undistributed to the extent that such amounts are not attributable
to Realized Losses which have been allocated to a Class of Subordinate
Certificates minus (b) with respect to the Class of Subordinate Certificates
with the Lowest Priority, any Excess Subordinate Principal AMOUNT FOR SUCH
DISTRIBUTION DATE; PROVIDED, HOWEVER, that the Subordinate Principal
Distribution Amount for any Class of Subordinate Certificates on any
Distribution Date shall in no event exceed the outstanding Certificate Principal
Balance of such Class of Certificates immediately prior to such date.
UNCERTIFICATED ACCRUED INTEREST: With respect to each Distribution Date,
(i) as to each Uncertificated REMIC I Regular Interest other than the
Uncertificated REMIC I Regular Interest Z, an amount equal to the aggregate
amount of Accrued Certificate Interest that would result under the terms of the
definition thereof on the Related Classes of Certificates if the Pass-Through
Rate on such Classes were equal to the Uncertificated Pass-Through Rate on such
Uncertificated REMIC I Regular Interest, (ii) as to each Uncertificated REMIC I
Regular Interest Z and each Uncertificated REMIC II Regular Interest, an amount
equal to one month's interest at the Pool Strip Rate of the related Mortgage
Loan on the principal balance of such Mortgage Loan reduced by such Interest's
pro-rata share of any prepayment interest shortfalls or other reductions of
interest allocable to the Class A-V Certificates.
UNCERTIFICATED PASS-THROUGH RATE: With respect to each of the
Uncertificated REMIC Regular Interests the per annum rate specified in the
definition of Uncertificated REMIC Regular Interest. With respect to each
Uncertificated REMIC I Regular Interest Z and each Uncertificated REMIC II
Regular Interest Z, the Pool Strip Rate for the related Mortgage Loan.
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<PAGE>
UNCERTIFICATED PRINCIPAL BALANCE: With respect to each Uncertificated REMIC
I Regular Interest, as defined in the definition of Uncertificated REMIC Regular
Interest.
UNCERTIFICATED REMIC REGULAR INTERESTS: The Uncertificated REMIC I
Regular Interests Z together with the interests identified in the table below,
each representing an undivided beneficial ownership interest in REMIC I, and
having the following characteristics:
1. The principal balance from time to time of each REMIC I Regular
Interest identified in the table below shall be the amount
identified as the Initial Principal Balance thereof in such
table, minus (ii) the sum of (x) the aggregate of all amounts
previously deemed distributed with respect to such interest and
applied to reduce the Uncertificated Principal Balance thereof
pursuant to Section 4.02(a)(ii) and (y) the aggregate of all
reductions in Certificate Principal Balance deemed to have
occurred in connection with Realized Losses that were previously
deemed allocated to the Uncertificated Principal Balance of such
Uncertificated REMIC I Regular Interest pursuant to Section
4.02(d), which equals the aggregate principal balance of the
Classes of Certificates identified as related to such Regular
Interest in such table.
2. The Uncertified Pass-Through Rate for each REMIC I Regular
Interest identified in the table below shall be the per annum
rate set forth in the Pass-Through Rate column of such table.
3. The Uncertificated REMIC I Distribution Amount for each REMIC I
Regular Interest identified in the table below shall be, for any
Distribution Date, the amount deemed distributed with respect to
such Uncertificated REMIC I Regular Interest on such
Distribution Date pursuant to the provisions of Section 4.02(a).
<TABLE>
<CAPTION>
- ----------------------- --------------------------------- ------------------- -------------------
Uncertificated REMIC Related Classes of Certificates Pass-Through Rate Initial Principal
I Regular Interest Balance
- ----------------------- --------------------------------- ------------------- -------------------
- ----------------------- --------------------------------- ------------------- -------------------
<S> <C> <C> <C>
V A-1 7.00% $112,000,000
- ----------------------- --------------------------------- ------------------- -------------------
- ----------------------- --------------------------------- ------------------- -------------------
W A-3, A-4 9.50% $48,000,000
- ----------------------- --------------------------------- ------------------- -------------------
- ----------------------- --------------------------------- ------------------- -------------------
X A-P 0.00% $242,044.80
- ----------------------- --------------------------------- ------------------- -------------------
- ----------------------- --------------------------------- ------------------- -------------------
Y A-2, A-5, R-II, M-1, M-2, M-3, 7.75% $57,127,572.62
B-1, B-2, B-3
- ----------------------- --------------------------------- ------------------- -------------------
</TABLE>
UNCERTIFICATED REMIC-I REGULAR INTEREST Z: Each of the 1,528
uncertificated partial undivided beneficial ownership interests in the Trust
Fund, numbered sequentially from 1 to 1,528, each relating to the particular
Mortgage Loan identified by such sequential number on the Mortgage Loan
Schedule, each having no principal balance, and each bearing interest at the
respective Pool Strip Rate on the Stated Principal Balance of the related
Mortgage Loan.
UNCERTIFICATED REMIC I REGULAR INTERESTS Z DISTRIBUTION AMOUNT: With
respect to any Distribution Date, the sum of the amounts deemed to be
distributed on the Uncertificated REMIC I Regular Interests Z for such
Distribution Date pursuant to Section 4.02(a).
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<PAGE>
UNCERTIFICATED REMIC I REGULAR INTEREST DISTRIBUTION AMOUNTS: With
respect to each Uncertificated REMIC I Regular Interest, other than the
Uncertificated REMIC I Regular Interest Z, the amount specified as the
Uncertificated REMIC I Regular Interest Distribution Amount with respect thereto
in the definition of Uncertificated REMIC I Regular Interest. With respect to
the Uncertificated REMIC I Regular Interests Z, the Uncertificated REMIC I
Regular Interests Z Distribution Amount.
UNCERTIFICATED REMIC II REGULAR INTEREST Z: Each of the 1,528
uncertificated partial undivided beneficial ownership interests in REMIC II
numbered sequentially from 1 through 1,528 each relating to the identically
numbered Uncertificated REMIC I Regular Interests Z, each having no principal
balance and bearing interest at a rate equal to the related Pool Strip Rate on
the Stated Principal Balance of the Mortgage Loan related to the identically
numbered Uncertificated REMIC I Regular Interest Z, comprising such
Uncertificated REMIC II Regular Interest's pro rata share of the amount
distributed pursuant to Sections 4.02(a) and (b).
UNCERTIFICATED REMIC II REGULAR INTERESTS DISTRIBUTION AMOUNT: With
respect to any Distribution Date, the sum of the amounts deemed to be
distributed on the Uncertificated REMIC I Regular Interests Z for such
Distribution Date pursuant to Section 4.02(a).
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.
SECTION 1.03. DETERMINATION OF LIBOR.
LIBOR applicable to the calculation of the Pass-Through Rates on the
Floater Certificates and Inverse Floater Certificates, if any, for any Interest
Accrual Period (other than the initial Interest Accrual Period) will be
determined as described below:
On each Distribution Date, LIBOR shall be established by the Trustee and, as to
any Interest Accrual Period other than the first Interest Accrual Period, will
equal the rate for one month United States dollar deposits that appears on the
Telerate Screen Page 3750 as of 11:00 a.m., London time, on the second LIBOR
Business Day prior to the first day of such Interest Accrual Period ("LIBOR Rate
Adjustment Date"). "Telerate Screen Page 3750" means the display designated as
page 3750 on the Telerate Service (or such other page as may replace page 3750
on that service for the purpose of displaying London interbank offered rates of
major banks). If such rate does not appear on such page (or such other page as
may replace that page on that service, or if such service is no longer offered,
LIBOR shall be so established by use of such other service for displaying LIBOR
or comparable rates as may be selected by the Trustee after consultation with
the Master Servicer), the rate will be the Reference Bank Rate. The "Reference
Bank Rate" will be determined on the basis of the rates at which deposits in
U.S. Dollars are offered by the reference banks (which shall be any three major
banks that are engaged in transactions in the London interbank market, selected
by the Trustee after consultation with the Master Servicer) as of 11:00 a.m.,
London time, on the day that is one LIBOR Business Day prior to the immediately
preceding Distribution Date to prime banks in the London interbank market for a
period of one month in amounts approximately equal to, the aggregate Certificate
Principal Balance of the Floater Certificates and Inverse Floater Certificates,
then outstanding. The Trustee will request the principal London office of each
of the reference banks to provide a quotation of its rate. If at least two such
quotations are provided, the rate will be the arithmetic mean of the quotations
15
<PAGE>
rounded up to the next multiple of 1/16%. If on such date fewer than two
quotations are provided as requested, the rate will be the arithmetic mean of
the rates quoted by one or more major banks in New York City, selected by the
Trustee after consultation with the Master Servicer, as of 11:00 a.m., New York
City time, on such date for loans in U.S. Dollars to leading European banks for
a period of one month in amounts approximately equal to, with respect to each of
the Floater Certificates and Inverse Floater Certificates, the Certificate
Principal Balances of the Floater Certificates and Inverse Floater Certificates,
respectively, then outstanding. If no such quotations can be obtained, the rate
will be LIBOR for the prior Distribution Date, or, in the case of the first
LIBOR Rate Adjustment Date, 5.45875%; provided however, if, under the priorities
described above, LIBOR for a Distribution Date would be based on LIBOR for the
previous Distribution Date for the third consecutive Distribution Date, the
Trustee shall select an alternative comparable index (over which the Trustee has
no control), used for determining one-month Eurodollar lending rates that is
calculated and published (or otherwise made available) by an independent party.
"LIBOR Business Day" means any day other than (i) a Saturday or a Sunday or (ii)
a day on which banking institutions in the city of London, England are required
or authorized by law to be closed.
The establishment of LIBOR by the Trustee on any LIBOR Rate Adjustment
Date and the Trustee's subsequent calculation of the Pass-Through Rates
applicable to each of the Floater Certificates and Inverse Floater Certificates
for the relevant Interest Accrual Period, in the absence of manifest error, will
be final and binding.
Promptly following each LIBOR Rate Adjustment Date the Trustee shall
supply the Master Servicer with the results of its determination of LIBOR on
such date. Furthermore, the Trustee will supply to any Certificateholder so
requesting by telephone the Pass-Through Rates on each of the Floater
Certificates and Inverse Floater Certificates for the current and the
immediately preceding Interest Accrual Period.
16
<PAGE>
ARTICLE II
<PAGE>
CONVEYANCE OF MORTGAGE LOANS;
<PAGE>
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 two Mortgage Loans representing approximately 0.1% of the Mortgage
Loans by aggregate Stated Principal Balance, if a Mortgage Loan is
secured by a Mortgaged Property with a Loan-to-Value Ratio at
origination in excess of 80%, such Mortgage Loan is the subject of a
Primary Insurance Policy that insures that portion of the principal
balance thereof that generally exceeds the amount equal to 75% of the
Appraised Value of the related Mortgaged Property. To the best of the
Company's knowledge, each such Primary Insurance Policy is in full force
and effect and the Trustee is entitled to the benefits thereunder;
(v) The issuers of the Primary Insurance Policies are insurance
companies whose claims-paying abilities are currently acceptable to each
Rating Agency;
(vi) No more than 0.5% of the Mortgage Loans by aggregate Stated
Principal Balance as of the Cut-off Date are secured by Mortgaged
Properties located in any one zip code area 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;
(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);
17
<PAGE>
(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 43.39% of the Mortgage Loans by aggregate
Stated Principal Balance as of the Cut-off Date were underwritten under
a reduced loan documentation program, approximately 11.91% 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 2.02% 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 25.00% of the Mortgage
Loans by aggregate Stated Principal Balance as of the Cut-off Date, the
Mortgagor represented in its loan application with respect to the
related Mortgage Loan that the Mortgaged Property would be
owner-occupied;
(xi) None of the Mortgage Loans are Buydown Mortgage Loans;
(xii) Each Mortgage Loan constitutes a qualified mortgage under
Section 860G(a)(3)(A) of the Code and Treasury Regulations Section
1.860G-2(a)(1);
(xiii) A policy of title insurance was effective as of the
closing of each Mortgage Loan and is valid and binding and remains in
full force and effect;
(xiv) None of the Mortgage Loans are Cooperative Loans; with
respect to a Mortgage Loan that is a Cooperative Loan, the Cooperative
Stock that is pledged as security for the Mortgage Loan is held by a
person as a tenant-stockholder (as defined in Section 216 of the Code)
in a cooperative housing corporation (as defined in Section 216 of the
Code);
(xv) With respect to each Mortgage Loan originated under a
"streamlined" Mortgage Loan program (through which no new or updated
appraisals of Mortgaged Properties are obtained in connection with the
refinancing thereof), the related Seller has represented that either (a)
the value of the related Mortgaged Property as of the date the Mortgage
Loan was originated was not less than the appraised value of such
18
<PAGE>
property at the time of origination of the refinanced Mortgage Loan or
(b) the Loan-to-Value Ratio of the Mortgage Loan as of the date of
origination of the Mortgage Loan generally meets the Company's
underwriting guidelines;
(xvi) Interest on each Mortgage Loan is calculated on the basis
of a 360-day year consisting of twelve 30-day months;
(xvii) None of the Mortgage Loans contain in the related Mortgage
File a Destroyed Mortgage Note;
(xviii)Not more than 0.8% 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.
19
<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) (X) to the Class A-P Certificates, the Class A-P Principal
Distribution Amount; and
(Y) to the Senior Certificates (other than the Class A-P
Certificates), in the priorities and amounts set forth in Section
4.02(b), (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
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<PAGE>
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);
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(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;
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(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;
(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;
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(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-I 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
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)
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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) the Senior Principal Distribution Amount shall be
distributed as follows:
(A) first, to the Class A-5 Certificates an amount equal to
the aggregate of:
(1) the Class A-5 Certificates' pro rata share (based on the
Certificate Principal Balance thereof relative to the aggregate
Certificate Principal Balance of all classes of Certificates
(other than the Principal Only Certificates)) of the aggregate of
the collections described in Sections 4.02(a)(ii)(Y)(A), (B) and
(E), without any application of the Senior Percentage or the
Senior Accelerated Distribution Percentage; and
(2) the Prepayment Lockout Percentage of the Class A-5
Certificates' pro rata share (based on the aggregate Certificate
Principal Balance thereof relative to the aggregate Certificate
Principal Balance of all of the Certificates (other than the
Principal Only Certificates)) of the aggregate of the collections
described in Section 4.02(a)(ii)(C), without any application of
the Senior Accelerated Distribution Percentage;
PROVIDED that, if the aggregate of the amounts set forth in
Sections 4.02(a)(ii)(Y)(A) through (E), is more than the balance
of the Available Distribution Amount remaining after the Senior
Interest Distribution Amount and the Class A-P Principal
Distribution Amount have been distributed, the amount paid to the
Class A-5 Certificates pursuant to this clause (ii)(A) SHALL BE
REDUCED BY AN AMOUNT EQUAL TO THE CLASS A-5 CERTIFICATES' PRO
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RATA share (based on the aggregate Certificate Principal Balance
thereof relative to the aggregate Certificate Principal Balance
of all classes of Senior Certificates (other than the Principal
Only Certificates)) of such difference; and
(B) second, the balance of the Senior Principal
Distribution Amount remaining after the distributions, if any,
described in clause (ii)(A) above shall be distributed as
follows:
(1) FIRST, concurrently, to each class of the Class
R CERTIFICATES, ON A PRO RATA basis (in proportion to
their respective Certificate Principal Balances) until the
Certificate Principal Balances thereof have been reduced
to zero;
(2) SECOND, concurrently, to the Class A-1
Certificates and CLASS A-3 CERTIFICATES, ON A PRO RATA
basis (in proportion to their respective Certificate
Principal Balances) until the Certificate Principal
Balances thereof have been reduced to zero;
(3) THIRD, to the Class A-2 Certificates until the
Certificate Principal Balance thereof has been reduced to
zero; and
(4) FOURTH, to the Class A-5 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
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the Class or Classes to which such Realized Loss was allocated (with the amounts
to be distributed allocated among such Classes in the same proportions as such
Realized Loss was allocated), and within each such Class to the
Certificateholders of record as of the Record Date immediately preceding the
date of such distribution (or if such Class of Certificates is no longer
outstanding, to the Certificateholders of record at the time that such Realized
Loss was allocated); provided that no such distribution to any Class of
Certificates of subsequent recoveries related to a Mortgage Loan shall exceed,
either individually or in the aggregate and together with any other amounts paid
in reimbursement therefor, the amount of the related Realized Loss that was
allocated to such Class of Certificates. Notwithstanding the foregoing, no such
distribution shall be made with respect to the Certificates of any Class to the
extent that either (i) such Class was protected against the related Realized
Loss pursuant to any instrument or fund established under Section 11.01(e) or
(ii) such Class of Certificates has been deposited into a separate trust fund or
other structuring vehicle and separate certificates or other instruments
representing interests therein have been issued in one or more classes, and any
of such separate certificates or other instruments was protected against the
related Realized Loss pursuant to any limited guaranty, payment obligation,
irrevocable letter of credit, surety bond, insurance policy or similar
instrument or a reserve fund, or a combination thereof. Any amount to be so
distributed with respect to the Certificates of any Class shall be distributed
by the Master Servicer to the Certificateholders of record as of the Record Date
immediately preceding the date of such distribution (i) with respect to the
Certificates of any Class (other than the Class A-V Certificates), on a pro rata
basis based on the Percentage Interest represented by each Certificate of such
Class as of such Record Date and (ii) with respect to the Class A-V
Certificates, to the Class A-V Certificates or any Subclass thereof in the same
proportion as the related Realized Loss was allocated. Any amounts to be so
distributed shall not be remitted to or distributed from the Trust Fund, and
shall constitute subsequent recoveries with respect to Mortgage Loans that are
no longer assets of the Trust Fund.
(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
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final distribution with respect to such Class of Certificates will be made on
such Distribution Date but only upon presentation and surrender of such
Certificates at the office of the Trustee or as otherwise specified therein, and
(ii) no interest shall accrue on such Certificates from and after the end of the
related Interest Accrual Period. In the event that Certificateholders required
to surrender their Certificates pursuant to Section 9.01(c) do not surrender
their Certificates for final cancellation, the Trustee shall cause funds
distributable with respect to such Certificates to be withdrawn from the
Certificate Account and credited to a separate escrow account for the benefit of
such Certificateholders as provided in Section 9.01(d).
SECTION 4.03. STATEMENTS TO CERTIFICATEHOLDERS. (SEE SECTION 4.03 OF THE
STANDARD TERMS AND EXHIBIT THREE ATTACHED HERETO)
SECTION 4.04. DISTRIBUTION OF REPORTS TO THE TRUSTEE AND THE COMPANY;
ADVANCES BY THE MASTER SERVICER. (SEE SECTION 4.04 OF THE STANDARD
TERMS)
SECTION 4.05. ALLOCATION OF REALIZED LOSSES.
Prior to each Distribution Date, the Master Servicer shall determine the
total amount of Realized Losses, if any, that resulted from any Cash
Liquidation, Servicing Modification, Debt Service Reduction, Deficient Valuation
or REO Disposition that occurred during the related Prepayment Period or, in the
case of a Servicing Modification that constitutes a reduction of the interest
rate on a Mortgage Loan, the amount of the reduction in the interest portion of
the Monthly Payment due during the related Due Period. The amount of each
Realized Loss shall be evidenced by an Officers' Certificate. All Realized
Losses, other than Excess Special Hazard Losses, Extraordinary Losses, Excess
Bankruptcy Losses or Excess Fraud Losses, shall be allocated as follows: first,
to the Class B-3 Certificates until the Certificate Principal Balance thereof
has been reduced to zero; second, to the Class B-2 Certificates until the
Certificate Principal Balance thereof has been reduced to zero; third, to the
Class B-1 Certificates until the Certificate Principal Balance thereof has been
reduced to zero; fourth, to the Class M-3 Certificates until the Certificate
Principal Balance thereof has been reduced to zero; fifth, to the Class M-2
Certificates until the Certificate Principal Balance thereof has been reduced to
zero; sixth, to the Class M-1 Certificates until the Certificate Principal
Balance thereof has been reduced to zero; and, thereafter, if any such Realized
Losses are on a Discount Mortgage Loan, to the Class A-P Certificates in an
amount equal to the Discount Fraction of the principal portion thereof, and the
remainder of such Realized Losses on the Discount Mortgage Loans and the entire
amount of such Realized Losses on Non-Discount Mortgage Loans will be allocated
among all the Senior Certificates (other than the Class A-P Certificates) on a
pro rata basis, as described below. The principal portion of any Excess Special
Hazard Losses, Excess Bankruptcy Losses, Excess Fraud Losses and Extraordinary
Losses on the 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 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 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
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Date in the case of the principal portion of a Realized Loss or based on the
Accrued Certificate Interest thereon payable on such Distribution Date (without
regard to any Compensating Interest for such Distribution Date) in the case of
an interest portion of a Realized Loss. Except as provided in the following
sentence, any allocation of the principal portion of Realized Losses (other than
Debt Service Reductions) to a Class of Certificates shall be made by reducing
the Certificate Principal Balance thereof by the amount so allocated, which
allocation shall be deemed to have occurred on such Distribution Date. Any
allocation of the principal portion of Realized Losses (other than Debt Service
Reductions) to the 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 REMICS.
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 ("REMIC I") and will make and election to treat
the pool of assets comprised of the uncertificated REMIC I Regular Interest as a
REMIC ("REMIC II") for federal income tax purposes.
The Uncertificated REMIC I Regular Interests will be "regular interests"
in REMIC I and the Class R-I Certificates will be the sole class of "residual
interests" in REMIC I for purposes of the REMIC Provisions (as defined herein)
under the federal income tax law.
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 REMIC II Regular Interests, the rights in and to which
will be represented by the Class A-V Certificates, will be "regular interests"
in REMIC II, and the Class R-II 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 REMIC II Regular Interest Z or Interests specified
by the initial Holder of the Class A-V Certificates pursuant to said Section.
SECTION 10.04.DISTRIBUTIONS ON THE UNCERTIFICATED REMIC I AND
REMIC II REGULAR INTERESTS.
(a)On each Distribution Date the Trustee shall be deemed to distribute
to itself, as the holder of the Uncertificated REMIC I Regular Interests, the
Uncertificated REMIC I Regular Interest Distribution Amounts in the following
order of priority to the extent of the Available Distribution Amount reduced by
distributions made to the Class R-I Certificates pursuant to Section 4.02(a):
(i) Uncertificated Accrued Interest on the Uncertificated REMIC I
Regular Interests for such Distribution Date, plus any Uncertificated
Accrued Interest thereon remaining unpaid from any previous Distribution
Date; and
(ii) In accordance with the priority set forth in Section
10.04(b), an amount equal to the sum of the amounts in respect of
principal distributable on each Class of Certificates (other than the
Class R-I Certificates) under Section 4.02(a), as allocated thereto
pursuant to Section 4.02(b).
37
<PAGE>
(b)The amount described in Section 10.04(a)(ii) shall be deemed
distributed to (i) Uncertificated REMIC I Regular Interest V, (ii)
Uncertificated REMIC I Regular Interest W, (iii) Uncertificated REMIC I Regular
Interest X and (iv) Uncertificated REMIC I Regular Interest Y with the amount to
be distributed allocated among such interests in accordance with the priority
assigned to each Class of Certificates (other than the Class R-I Certificates),
respectively, under Section 4.02(b) until the Uncertificated Principal Balance
of each such interest is reduced to zero.
(c)The portion of the Uncertificated REMIC I Regular Interest
Distribution Amounts described in Section 10.04(a)(ii) shall be deemed
distributed by REMIC I to REMIC II in accordance with the priority assigned to
the REMIC II Certificates relative to that assigned to the REMIC I Certificates
under Section 4.02(b).
(d)In determining from time to time the Uncertificated REMIC I Regular
Interest Distribution Amounts and Uncertificated REMIC II Regular Interest
Distribution Amounts:
(i) Realized Losses allocated to the Class A-V Certificates under
Section 4.05 shall be deemed allocated to the REMIC II Uncertificated
Regular Interests pro-rata according to the respective amounts of
Uncertificated Accrued Interest that would have accrued on such
Uncertificated REMIC Regular II Interests for the Distribution Date for
which such allocation is being made in the absence of such allocation;
(ii) Realized Losses allocated to the Class A-1 Certificates
under Section 4.05 shall be deemed allocated to Uncertificated REMIC I
Regular Interest V;
(iii) Realized Losses allocated to the Class A-3 Certificates and
Class A-4 Certificates under Section 4.05 shall be deemed allocated to
Uncertificated REMIC I Regular Interest W;
(iv) Realized Losses allocated to the Class A-P Certificates
under Section 4.05 shall be deemed allocated to Uncertificated REMIC I
Regular Interest X;
(v) Realized Losses allocated to the Class A-2, Class A-5, Class
M-1, Class M-2, Class M-3, Class B-1, Class B-2, Class B-3 and Class
R-II Certificates under Section 4.05 shall be deemed allocated to
Uncertificated REMIC I Regular Interest Y; and
(vi) Realized Losses allocated to the Uncertificated REMIC II
Regular Interests under clause (I), above, shall be deemed allocated, in
each case, to the related Uncertificated REMIC I Regular Interest Z.
(e)On each Distribution Date the Trustee shall be deemed to distribute
from REMIC II, in the priority set forth in Sections 4.02(a) and (b), to the
Holders of each Class of Certificates (other than the Class R-I Certificates)
the amounts distributable thereon from the Uncertificated REMIC I Regular
Interest Distribution Amounts deemed to have been received by REMIC II from
REMIC I under this Section 10.04. The amounts deemed distributed hereunder with
respect to the Class A-V Certificates shall be deemed to have been distributed
in respect of the Uncertificated REMIC II Regular Interests Z in accordance with
their respective Uncertificated REMIC II Regular Interest Distribution Amounts,
as such Uncertificated REMIC II Regular Interests comprise the Class A-V
Certificates.
38
<PAGE>
(f)Notwithstanding the deemed distributions on the Uncertificated REMIC
I Regular Interests described in this Section 10.04, distributions of funds from
the Certificate Account shall be made only in accordance with Section 4.02.
SECTION 10.05.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 1999-QS15
The Trustee designates its offices located at
Four Albany Street, New York, New York,
10006, for the purposes of Section 8.12 of
the Standard Terms
- ---------------------------------- ---------------------------------------------
- ---------------------------------- ---------------------------------------------
Fitch IBCA One State Street Plaza
New York, New York 10004
- ---------------------------------- ---------------------------------------------
- ---------------------------------- ---------------------------------------------
Standard & Poor's 55 Water Street
New York, New York 10041
- ---------------------------------- ---------------------------------------------
Any notice required or permitted to be mailed to a Certificateholder shall be
40
<PAGE>
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
97.0% of all of the Voting Rights shall be allocated among
Holders of Certificates, other than the Interest Only 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, 1% of all Voting Rights shall be allocated among the
Holders of the Class A-4 Certificates in accordance with their respective
Percentage Interests, 0.5% of all Voting Rights shall be allocated among the
Holders of the Class R-I Certificates in accordance with their respective
Percentage Interests, and 0.5% of all Voting Rights shall be allocated among the
Holders of the Class R-II Certificates in accordance with their respective
Percentage Interests.
41
<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: /S/ TIMOTHY PILLAR
Name: Timothy Pillar
Title: Vice President
ATTEST: __/S/ RANDY VAN ZEE__________________
Name: Randy Van Zee
Title: Vice President
RESIDENTIAL FUNDING CORPORATION
[Seal]
BY: /S/ RANDY VAN ZEE
Name: Randy Van Zee
Title: Director
ATTEST:_/S/ TIMOTHY PILLAR___________________
Name: Timothy Pillar
Title: Director
BANKERS TRUST COMPANY,
as Trustee
[Seal]
BY: /S/ KATHERINE M. WANNENMACHER
Name: Katherine M. Wannenmacher
Title: Assistant Vice President
ATTEST:____/S/ BARBARA CAMPBELL________________
Name: Barbara Campbell
Title: Assistant Secretary
<PAGE>
STATE OF MINNESOTA
)
) ss.:
COUNTY OF HENNEPIN )
ON THE 30TH day of December, 1999 before me, a notary public in
and for said STATE, PERSONALLY APPEARED TIMOTHY PILLAR, known to me to be a Vice
President of Residential Accredit Loans, Inc., one of the corporations that
executed the within instrument, and also known to me to be the person who
executed it on behalf of said corporation, and acknowledged to me that such
corporation executed the within instrument.
IN WITNESS WHEREOF, I have hereunto set my hand and affixed my
official seal the day and year in this certificate first above written.
/S/ JENNIFER OLSEN
Notary Public
[Notarial Seal]
<PAGE>
STATE OF MINNESOTA
)
) ss.:
COUNTY OF HENNEPIN )
ON THE 30TH day of December, 1999 before me, a notary public in
and for said STATE, PERSONALLY APPEARED RANDY VAN ZEE, known to me to be a
Director of Residential Funding Corporation, one of the corporations that
executed the within instrument, and also known to me to be the person who
executed it on behalf of said corporation, and acknowledged to me that such
corporation executed the within instrument.
IN WITNESS WHEREOF, I have hereunto set my hand and affixed my
official seal the day and year in this certificate first above written.
/S/ JENNIFER OLSEN
Notary Public
[Notarial Seal]
<PAGE>
STATE OF CALIFORNIA
)
) ss.:
COUNTY OF ORANGE )
ON THE 30TH day of December, 1999 before me, a notary public in
and for said STATE, PERSONALLY APPEARED KATHERINE M. WANNENMACHER, KNOWN TO ME
TO BE A[N] ASSISTANT VICE PRESIDENT of Bankers Trust Company, the New York
banking corporation that executed the within instrument, and also known to me to
be the person who executed it on behalf of said banking corporation and
acknowledged to me that such banking corporation executed the within instrument.
IN WITNESS WHEREOF, I have hereunto set my hand and affixed my
official seal the day and year in this certificate first above written.
/S/ KAREN C. CORWIN
Notary Public
[Notarial Seal]
<PAGE>
EXHIBIT ONE
MORTGAGE LOAN SCHEDULE
1
RUN ON : 12/20/99 RFC DISCLOSURE SYSTEM RFFSD177-01
AT : 09.21.14 FIXED RATE LOAN LISTING AMORTIZED BALANCE
SERIES : RALI 1999-QS15 CUTOFF : 12/01/99
POOL : 0004416
:
:
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 #
______________________________________________________________________________
1675830 074/K05 F 41,400.00 ZZ
360 40,805.75 2
24 WEAVER AVENUE 8.750 325.70 90
8.500 325.70 46,000.00
BUFFALO NY 14206 1 12/10/97 01
0430593301 05 02/01/98 25
1111134400 N 01/01/28
0
1798593 K63/G02 F 63,000.00 ZZ
360 60,531.79 1
7520 BEAR CREEK RD 7.625 445.92 90
7.375 445.92 70,000.00
FAIRVIEW PA 16415 1 08/28/98 10
0431023233 05 10/01/98 25
980300262 N 09/01/28
0
1800195 E84/G02 F 19,500.00 ZZ
360 19,297.69 1
9567 OLDE TOWNE ROWE 8.750 153.41 80
8.500 153.41 24,400.00
DALLAS TX 75227 1 05/29/98 00
0431025956 09 08/01/98 0
26980187 N 07/01/28
0
1802605 976/976 F 132,500.00 ZZ
360 130,995.68 1
34 CRESPY LANE 7.625 937.83 69
7.375 937.83 192,500.00
MARPLE TOWNSHIP PA 19008 1 08/14/98 00
5385372 05 10/01/98 0
1
5385372 O 09/01/28
0
1804028 E84/G02 F 19,500.00 ZZ
360 19,289.29 1
9419 OLDE TOWNE ROWE 8.750 153.41 80
8.500 153.41 24,400.00
DALLAS TX 75227 1 05/29/98 00
0431025931 09 08/01/98 0
26980184 N 07/01/28
0
1804740 F25/G02 F 138,600.00 ZZ
360 138,600.00 3
77 HURON STREET 8.750 1,090.37 90
8.500 1,090.37 154,000.00
BROOKLYN NY 11222 1 11/18/99 02
0431650746 05 01/01/00 25
R9808045 N 12/01/29
0
1807868 E82/G02 F 108,000.00 ZZ
360 106,887.39 1
318 EAST BUFFALO CHURCH ROAD 8.250 811.37 90
8.000 811.37 120,000.00
WASHINGTON PA 15301 1 09/21/98 04
0400142550 05 11/01/98 25
0400142550 N 10/01/28
0
1836664 L13/G02 F 118,800.00 ZZ
360 117,807.63 1
472 NORTH 2150 WEST 8.000 871.71 90
7.750 871.71 132,000.00
PROVO UT 84601 5 11/19/98 10
0431122894 03 01/01/99 25
1836664 O 12/01/28
0
1864660 227/G02 F 16,650.00 ZZ
360 16,399.30 1
1330 SOUTH MERRIMAC ROAD 8.000 122.18 90
7.750 122.18 18,501.00
CAMDEN NJ 08104 1 02/05/99 10
0431238971 05 04/01/99 25
1771036 N 03/01/29
0
1
1878347 E22/G02 F 108,000.00 ZZ
360 107,203.96 1
2606 KANUGA ROAD 7.125 727.62 60
6.875 727.62 180,000.00
HENDERSONVILLE NC 28739 2 02/02/99 00
0411256415 05 04/01/99 0
411256415 O 03/01/29
0
1889494 526/526 F 69,000.00 ZZ
360 68,447.92 1
1209 EAST RIO GRANDE STREET 7.000 459.06 95
6.750 459.06 73,000.00
COLORADO SPRING CO 80910 2 02/01/99 12
360986 05 04/01/99 30
360986 O 03/01/29
0
1910546 638/G02 F 112,500.00 ZZ
360 111,974.28 1
1919 WAHL WAY 8.125 835.31 90
7.875 835.31 125,000.00
DAVIS CA 95616 1 04/22/99 10
0431329275 05 06/01/99 25
8866201 N 05/01/29
0
1910874 687/G02 F 23,100.00 ZZ
360 23,016.66 1
232 E STREICHER 8.625 179.67 80
8.375 179.67 28,900.00
TOLEDO OH 43608 1 06/01/99 00
0431359421 05 07/01/99 0
1812084 N 06/01/29
0
1913874 637/G02 F 54,000.00 ZZ
360 53,795.07 1
810 SW 31ST STREET 8.375 410.44 88
8.125 410.44 61,500.00
PALM CITY FL 34980 1 05/14/99 04
0431351220 05 07/01/99 25
0012389797 N 06/01/29
0
1913908 637/G02 F 37,800.00 ZZ
360 37,637.27 1
801 CHIMBORAZO BLVD 7.750 270.81 83
7.500 270.81 46,000.00
1
RICHMOND VA 23223 1 05/14/99 04
0431350198 05 07/01/99 25
0014774491 N 06/01/29
0
1918536 638/G02 F 60,750.00 ZZ
360 60,519.48 1
312 NORTH NINTH STREET 8.375 461.74 90
8.125 461.74 67,500.00
ALLENTOWN PA 18102 1 05/20/99 04
0431355106 07 07/01/99 25
8885196 N 06/01/29
0
1918927 822/G02 F 65,000.00 ZZ
360 64,828.16 1
1115 CLINTON AVE 8.125 482.63 57
7.875 482.63 115,000.00
SOUTH PLAINFIEL NJ 07080 1 07/16/99 00
0431399294 05 09/01/99 0
2216125480 N 08/01/29
0
1921470 Q48/G02 F 396,000.00 ZZ
360 395,783.69 1
62 BOWMAN AVENUE 9.000 3,186.31 80
8.750 3,186.31 495,000.00
RYE BROOK NY 10573 1 10/13/99 00
0431554674 05 12/01/99 0
1921470 N 11/01/29
0
1922022 A33/G02 F 94,500.00 ZZ
360 94,231.18 3
1745 W ROMA AVE 8.875 751.88 90
8.625 751.88 105,000.00
PHOENIX AZ 85015 1 06/04/99 11
0431365048 05 08/01/99 25
544074990 N 07/01/29
0
1925005 638/G02 F 24,200.00 ZZ
360 23,718.50 1
3300 PEBBLEBROOK DRIVE 8.500 186.08 95
#80 8.250 186.08 25,500.00
SEABROOK TX 77586 1 06/16/99 10
0431376896 01 08/01/99 30
08895588 O 07/01/29
0
1
1927023 F16/G02 F 22,050.00 ZZ
360 21,988.86 1
2896 MOHAWK ROAD 9.000 177.42 70
8.750 177.42 31,500.00
BANNING CA 92220 1 06/16/99 00
0431383348 05 08/01/99 0
99A20763 N 07/01/29
0
1927269 F32/G02 F 73,500.00 ZZ
360 73,333.33 1
4453 S ATLANTIC AVENUE 8.875 584.80 70
UNIT 708 8.625 584.80 105,000.00
PONCE INLET FL 32127 5 07/07/99 00
0431383108 08 09/01/99 0
405117361 N 08/01/29
0
1929242 225/225 F 97,200.00 ZZ
360 96,916.24 3
1414 SOUTH STANLEY PLACE 8.750 764.68 95
8.500 764.68 102,350.00
TEMPE AZ 85281 1 06/28/99 12
9999999 05 08/01/99 30
9999999 O 07/01/29
0
1930205 L47/G02 F 104,300.00 ZZ
360 104,088.64 1
388 PAPER MILL ROAD 8.000 765.32 75
7.750 765.32 140,000.00
NEWARK DE 19711 2 08/25/99 00
0431610153 05 10/01/99 0
XXX N 09/01/29
0
1931669 E18/G02 F 38,700.00 ZZ
360 38,700.00 4
5107 WAYNE AVENUE 8.875 307.92 90
8.625 307.92 43,000.00
PHILADELPHIA PA 19144 1 11/22/99 10
0431653674 07 01/01/00 25
A1925 N 12/01/29
0
1931740 687/G02 F 46,800.00 ZZ
360 46,776.98 2
1
32-34 DANA ST 9.500 393.52 90
9.250 393.52 52,000.00
ROCHESTER NY 14606 1 10/29/99 01
0431609973 05 12/01/99 25
9907090300 N 11/01/29
0
1932009 H49/G02 F 415,050.00 ZZ
360 414,328.39 1
20 POOLE COURT 8.750 3,265.20 80
8.500 3,265.20 518,842.00
BATAVIA IL 60510 1 08/10/99 00
0431456912 03 10/01/99 0
31412053 O 09/01/29
0
1932135 M65/G02 F 211,500.00 ZZ
360 211,398.68 3
270 LINDEN STREET 9.625 1,797.73 87
9.375 1,797.73 245,000.00
BROOKLYN NY 11253 1 10/05/99 01
0431568575 07 12/01/99 25
2254 O 11/01/29
0
1932595 G75/G75 F 120,000.00 ZZ
360 119,640.62 1
46 WESTWOOD RD 8.625 933.35 26
8.375 933.35 464,900.00
WORCESTER MA 01609 1 06/29/99 00
038535583 03 08/01/99 0
038535583 O 07/01/29
0
1932684 Q49/G02 F 85,600.00 ZZ
360 85,472.66 1
23015 GOLFVIEW 9.500 719.78 80
9.250 719.78 107,000.00
SOUTHFIELD MI 48034 5 08/17/99 00
0431442961 05 10/01/99 0
0000 O 09/01/29
0
1932861 575/G02 F 128,250.00 ZZ
360 127,959.22 3
2011 WOODBOURNE AVENUE 8.875 1,020.41 95
8.625 1,020.41 135,000.00
LOUISVILLE KY 40205 1 07/26/99 11
0431405786 05 09/01/99 30
1
9315847 O 08/01/29
0
1934207 638/G02 F 370,000.00 ZZ
360 369,139.15 1
102 CONCORD ROAD 8.750 2,910.79 74
8.500 2,910.79 500,000.00
WAYLAND MA 01778 2 07/26/99 00
0431417831 05 09/01/99 0
08910926 O 08/01/29
0
1934221 H22/G02 F 297,900.00 ZZ
300 297,611.35 3
25-14 24TH AVENUE 8.500 2,398.77 90
8.250 2,398.77 331,000.00
ASTORIA NY 11102 1 10/07/99 10
0431543685 05 12/01/99 25
9906084 O 11/01/24
0
1934648 B68/G02 F 292,500.00 ZZ
360 292,322.80 4
369 MEDFORD STREET 8.500 2,249.07 75
8.250 2,249.07 390,000.00
SOMERVILLE MA 02145 5 10/20/99 00
0431582113 05 12/01/99 0
1031016617 O 11/01/29
0
1935068 196/G02 F 168,000.00 ZZ
360 167,707.91 4
7036 LACEY AVENUE 8.750 1,321.66 70
8.500 1,321.66 240,000.00
OAKLAND CA 94601 5 08/30/99 00
0431558774 05 10/01/99 0
1344181 N 09/01/29
0
1936253 H49/G02 F 153,900.00 ZZ
360 153,824.31 4
1000 NORTH CENTRAL PARK 9.500 1,294.07 95
9.250 1,294.07 162,000.00
CHICAGO IL 60651 1 10/29/99 11
0431602531 05 12/01/99 30
31553153 O 11/01/29
0
1
1936622 H49/G02 F 55,100.00 ZZ
360 55,037.99 1
HCI BOX 2A HIGH CREEK ROAD 8.875 438.40 75
8.625 438.40 73,500.00
BONITA AZ 85643 5 09/17/99 00
0431528165 27 11/01/99 0
313670 O 10/01/29
0
1937096 129/G02 F 291,000.00 ZZ
360 290,823.71 1
87 NORTH STREET, 8.500 2,237.54 76
8.250 2,237.54 383,000.00
ANDOVER MA 01810 2 10/19/99 00
0431619576 05 12/01/99 0
3500419175 O 11/01/29
0
1937229 638/G02 F 90,000.00 ZZ
360 89,858.94 1
3100-3102 CARVER ROAD 9.250 740.41 90
9.000 740.41 100,000.00
MODESTO CA 95350 1 08/04/99 10
0431439793 05 10/01/99 25
8907731 N 09/01/29
0
1937253 G15/G02 F 189,000.00 ZZ
360 188,792.75 4
45 WEST STREET 9.000 1,520.74 90
8.750 1,520.74 210,000.00
WARWICK NY 10990 1 09/17/99 01
0431515402 05 11/01/99 17
5000039590 O 10/01/29
0
1937607 638/G02 F 196,200.00 ZZ
360 195,812.36 1
25555 NORTH WINDY WALK DRIVE 8.125 1,456.78 78
7.875 1,456.78 253,500.00
SCOTTSDALE AZ 85255 1 08/12/99 00
0431437185 09 10/01/99 0
8915017 O 09/01/29
0
1937609 638/G02 F 168,000.00 ZZ
360 167,659.58 1
8614 LAVERNE DRIVE 8.000 1,232.72 80
7.750 1,232.72 210,000.00
1
HYATTSVILLE MD 20783 1 08/12/99 00
0431437136 05 10/01/99 0
8919042 O 09/01/29
0
1937916 964/G02 F 129,440.00 ZZ
360 128,936.03 4
1317 NORTH 23RD STREET 8.750 1,018.31 90
8.500 1,018.31 143,825.00
LAS VEGAS NV 89101 1 06/09/99 10
0431434315 05 08/01/99 25
57737 N 07/01/29
0
1937957 M91/G02 F 110,000.00 ZZ
360 109,840.63 1
8 S. CAMBRIDGE DRIVE 9.625 934.99 69
9.375 934.99 160,000.00
GENEVA IL 60134 1 09/01/99 00
0431553429 05 10/01/99 0
0000 N 09/01/29
0
1938126 A60/G02 F 92,700.00 ZZ
360 92,700.00 2
26 28 COACHLIGHT CIRCLE 8.875 737.57 90
8.625 737.57 103,000.00
CANADAIGUA NY 14424 1 11/16/99 14
0431650530 05 01/01/00 25
41262 N 12/01/29
0
1938220 L79/G02 F 56,210.00 ZZ
360 56,143.38 1
13932 NE 60TH STREET #153 8.625 437.20 75
8.375 437.20 74,950.00
REDMOND WA 98052 1 09/02/99 00
0431483064 01 11/01/99 0
199985301193 N 10/01/29
0
1938315 369/G02 F 140,300.00 T
360 139,075.41 1
4784 MICHAEL LANE 9.625 1,192.54 65
9.375 1,192.54 215,900.00
PONCE INLET FL 32127 1 09/15/99 00
0431590504 05 11/01/99 0
9908007 O 10/01/29
0
1
1938399 H49/G02 F 66,500.00 ZZ
360 66,432.58 2
4024 WEST KAMERLING 9.375 553.11 95
9.125 553.11 70,000.00
CHICAGO IL 60651 1 09/23/99 11
0431555069 05 11/01/99 30
31562153 O 10/01/29
0
1938404 638/G02 F 356,000.00 ZZ
360 355,331.52 1
4246 HARTFIELD COURT 8.375 2,705.86 80
8.125 2,705.86 445,000.00
WESTLAKE VILLAG CA 91361 5 08/11/99 00
0431442680 05 10/01/99 0
08903906 O 09/01/29
0
1938406 638/G02 F 276,900.00 ZZ
360 276,324.56 1
9 BERLAMO 7.875 2,007.72 80
7.625 2,007.72 346,166.00
RANCHO SANTA MA CA 92688 1 08/10/99 00
0431440734 03 10/01/99 0
08903904 O 09/01/29
0
1938495 B37/G02 F 136,000.00 ZZ
360 135,757.39 1
2213 JESTER LANE 8.625 1,057.79 80
8.375 1,057.79 170,000.00
FLOWER MOUND TX 75028 1 08/19/99 00
0431442953 05 10/01/99 0
0373111 O 09/01/29
0
1938564 637/G02 F 20,100.00 ZZ
360 20,064.13 1
58 KELLY ROAD 8.625 156.34 60
8.375 156.34 33,500.00
ORONO ME 04473 1 08/06/99 00
0431444827 05 10/01/99 0
0016456444 N 09/01/29
0
1938660 J86/G02 F 119,000.00 ZZ
360 118,941.46 3
1
64 N 7TH STREET 9.500 1,000.62 70
9.250 1,000.62 170,000.00
PATERSON NJ 07522 5 10/05/99 00
0431617448 05 12/01/99 0
0011939 N 11/01/29
0
1938673 J33/G02 F 59,500.00 ZZ
360 59,399.19 1
10348 CYPRUS CEDAR AVENUE 8.875 473.41 70
8.625 473.41 85,000.00
BATON ROUGE LA 70816 1 08/10/99 00
0431449081 05 10/01/99 0
990121010163 N 09/01/29
0
1939341 992/G02 F 63,000.00 ZZ
360 62,927.23 1
158 COTTAGE STREET 8.750 495.63 90
8.500 495.63 70,000.00
MIDDLETOWN NY 10940 1 10/01/99 04
0431591387 05 11/01/99 25
365484 N 10/01/29
0
1939603 E65/G02 F 60,300.00 ZZ
360 60,200.43 1
806 BURGANDY CT 9.000 485.19 90
8.750 485.19 67,000.00
JACKSONVILLE AR 72076 5 08/27/99 10
0431594068 05 10/01/99 25
67136850 O 09/01/29
0
1939607 637/G02 F 380,000.00 ZZ
360 379,549.67 1
5 SHERBORNE LANE 8.625 2,955.61 95
8.375 2,955.61 400,000.00
SAN ANTONIO TX 78257 1 09/15/99 10
0431555226 03 11/01/99 30
4202552 O 10/01/29
0
1939627 931/G02 F 117,000.00 ZZ
360 116,936.09 3
149 151 SOUTH CLIFF ST 9.000 941.41 90
8.750 941.41 130,000.00
ANSONIA CT 06401 1 10/22/99 10
0431579937 05 12/01/99 25
1
9999999999 N 11/01/29
0
1939631 L47/G02 F 185,000.00 ZZ
360 184,661.39 1
5130 BEAUREGARD ST 8.500 1,422.49 94
8.250 1,422.49 197,500.00
ALEXANDRIA VA 22312 1 08/26/99 10
0431609924 05 10/01/99 30
56578790 O 09/01/29
0
1939728 638/G02 F 288,000.00 ZZ
360 287,445.26 1
8272 POLK CIRCLE 8.250 2,163.65 80
8.000 2,163.65 360,000.00
HUNTINGTON BEAC CA 92646 5 08/17/99 00
0431450550 05 10/01/99 0
08918255 O 09/01/29
0
1939731 638/G02 F 63,175.00 ZZ
360 63,067.93 2
4150-4152 SANDERS DRIVE 8.875 502.65 95
8.625 502.65 66,500.00
LAKE WORTH FL 33461 1 08/20/99 14
0431448851 05 10/01/99 30
08919848 O 09/01/29
0
1939742 638/G02 F 300,000.00 ZZ
360 299,317.13 1
2625 NORTH 24TH STREET 8.500 2,306.74 79
#36 8.250 2,306.74 381,000.00
MESA AZ 85213 1 08/25/99 00
0431448786 05 10/01/99 0
08924415 O 09/01/29
0
1939763 K09/G02 F 136,800.00 ZZ
360 136,491.54 1
852 SOUTH SLATE CANYON DRIVE 8.875 1,088.44 90
8.625 1,088.44 152,500.00
PROVO UT 84606 1 09/17/99 01
0431508399 05 11/01/99 25
377328 O 10/01/29
0
1
1939928 B75/G02 F 65,950.00 ZZ
360 65,835.34 4
529 AVON STREET 8.750 518.83 90
8.500 518.83 73,500.00
FLINT MI 48503 1 08/19/99 14
0431452556 05 10/01/99 25
1733211 N 09/01/29
0
1940310 F62/F62 F 373,500.00 ZZ
360 372,883.34 1
1150 NW 120TH AVENUE 9.000 3,005.27 90
8.750 3,005.27 415,000.00
PLANTATION FL 33323 1 08/30/99 04
0000 05 10/01/99 25
0000 O 09/01/29
0
1940316 N34/G02 F 33,300.00 ZZ
360 33,300.00 1
5413 S KENWOOD #SG1 9.375 276.97 90
9.125 276.97 37,000.00
CHICAGO IL 60615 1 11/02/99 11
0431636166 01 01/01/00 25
1940316 N 12/01/29
0
1940329 E60/G02 F 147,600.00 ZZ
360 147,349.91 1
1020 WILLOW CIRCLE 8.875 1,174.38 90
8.625 1,174.38 164,000.00
SAN LUIS OBISPO CA 93401 1 08/24/99 11
0431650662 01 10/01/99 25
512020 N 09/01/29
0
1940347 A33/G02 F 84,150.00 ZZ
360 84,099.02 1
6908 W COMET AVE 8.500 647.04 85
8.250 647.04 99,000.00
PEORIA AZ 85345 1 10/29/99 14
0431618420 05 12/01/99 25
017075724 N 11/01/29
0
1940927 F25/G02 F 284,800.00 ZZ
360 284,291.91 1
18 HOLLOW LANE 8.625 2,215.15 80
8.375 2,215.15 356,000.00
1
WESTHAMPTON NY 11977 1 08/26/99 00
0431458322 05 10/01/99 0
0000 O 09/01/29
0
1940928 A52/G02 F 107,950.00 ZZ
360 107,837.63 1
287 EAST UNION GROVE CIRCLE 9.250 888.08 85
9.000 888.08 127,000.00
AUBURN GA 30011 1 09/15/99 11
0431518398 05 11/01/99 12
99523 O 10/01/29
0
1941324 874/G02 F 87,300.00 ZZ
360 87,201.75 3
736 738 740 E SECOND STREET 8.875 694.60 90
8.625 694.60 97,000.00
RENO NV 89502 1 09/24/99 04
0431567486 05 11/01/99 25
375527 N 10/01/29
0
1941493 M29/G02 F 139,120.00 ZZ
360 139,047.87 1
451 SOUTH KINGSTON CIRCLE 9.250 1,144.51 80
9.000 1,144.51 173,900.00
AURORA CO 80012 1 07/30/99 00
0431606417 05 12/01/99 0
63566110 O 11/01/29
0
1941820 562/G02 F 360,000.00 ZZ
360 359,653.68 4
522 WEST 159TH STREET 9.625 3,059.97 90
9.375 3,059.97 400,000.00
NEW YORK NY 10032 1 09/03/99 04
0431472208 07 11/01/99 25
613646 O 10/01/29
0
1941842 J86/G02 F 180,000.00 ZZ
360 180,000.00 3
1024 ELDER AVENUE 8.625 1,400.02 90
8.375 1,400.02 200,000.00
BRONX NY 10472 1 11/09/99 11
0431645860 05 01/01/00 25
81160 O 12/01/29
0
1
1942061 R70/G02 F 139,500.00 ZZ
360 139,318.53 4
6039 SOUTH 2700 WEST 9.375 1,160.29 90
9.125 1,160.29 155,000.00
ROY UT 84067 1 09/16/99 23
0431511252 05 11/01/99 0
990920 O 10/01/29
0
1942240 B28/G02 F 58,125.00 ZZ
360 58,066.05 2
15 WEST HOLLISTER 9.375 483.46 75
9.125 483.46 77,500.00
CINCINNATI OH 45219 1 09/10/99 00
0431470327 05 11/01/99 0
84990068 O 10/01/29
0
1942567 L49/G02 F 496,000.00 ZZ
360 495,412.22 1
8 ROSELEAF 8.625 3,857.84 80
8.375 3,857.84 621,115.00
IRVINE CA 92620 1 09/08/99 00
0431509009 03 11/01/99 0
10001707 O 10/01/29
0
1942878 N34/G02 F 57,200.00 ZZ
360 57,133.94 1
1571 178TH STREET 8.750 449.99 80
8.500 449.99 71,500.00
HAMMOND IN 46324 5 09/24/99 00
0431523752 05 11/01/99 0
0000 O 10/01/29
0
1943122 637/G02 F 213,750.00 ZZ
360 213,432.08 1
673 THIRTIETH AVENUE 9.500 1,797.33 95
9.250 1,797.33 225,000.00
SANTA CRUZ CA 95062 1 08/16/99 11
0431562875 01 10/01/99 30
0010989721 O 09/01/29
0
1943254 H22/G02 F 198,900.00 ZZ
360 198,782.57 2
1
23-15 128TH STREET 8.625 1,547.02 89
8.375 1,547.02 224,000.00
COLLEGE POINT NY 11356 1 10/05/99 10
0431532977 07 12/01/99 25
9907023 O 11/01/29
0
1943300 638/G02 F 69,600.00 ZZ
360 69,496.50 1
1315 E. LENOIR STREET 9.500 585.23 80
9.250 585.23 87,000.00
RALEIGH NC 27610 1 08/27/99 00
0431577865 05 10/01/99 0
8922143 O 09/01/29
0
1943303 638/G02 F 56,900.00 ZZ
360 56,803.60 1
536 ANITA STREET #89 8.875 452.72 95
8.625 452.72 59,900.00
CHULA VISTA CA 91911 1 08/30/99 14
0431489210 01 10/01/99 30
8919996 O 09/01/29
0
1943618 964/G02 F 316,000.00 ZZ
360 315,625.52 1
14629 GREENLEAF STREET 8.625 2,457.82 77
8.375 2,457.82 415,000.00
SHERMAN OAKS (A CA 91403 1 08/30/99 00
0431481118 05 11/01/99 0
61924 O 10/01/29
0
1943687 005/G02 F 102,500.00 ZZ
360 102,445.45 1
638 SEAVIEW DRIVE 9.125 833.98 77
8.875 833.98 134,000.00
DESTIN FL 32541 2 10/07/99 00
0431579796 05 12/01/99 0
003011017062 O 11/01/29
0
1943874 369/G02 F 85,500.00 ZZ
360 85,300.99 1
218 MERCER AVENUE 8.750 672.63 90
8.500 672.63 96,000.00
WILIMINGTON NC 28403 1 07/16/99 21
0431515352 05 09/01/99 25
1
0071593537 O 08/01/29
0
1943894 369/G02 F 175,100.00 ZZ
360 174,748.16 1
606 KONA DRIVE 8.750 1,377.52 85
8.500 1,377.52 206,000.00
ARLINGTON WA 98223 5 08/25/99 10
0431513373 03 10/01/99 12
0071613442 O 09/01/29
0
1943897 369/G02 F 73,100.00 ZZ
360 71,210.08 1
13274 N 56TH AVENUE 8.750 575.08 71
8.500 575.08 104,400.00
GLENDALE AZ 85304 1 08/23/99 00
0431512177 05 10/01/99 0
007121534 O 09/01/29
0
1943907 369/G02 F 55,100.00 ZZ
360 55,001.68 1
4731 CARMEL STREET 8.625 428.57 80
8.375 428.57 68,900.00
ORLANDO FL 32808 1 09/01/99 00
0431513357 05 10/01/99 0
0071749626 O 09/01/29
0
1943914 369/G02 F 63,000.00 ZZ
360 62,895.58 2
2022 & 2024 BENTLEY STREET 9.000 506.92 90
8.750 506.92 70,000.00
ORLANDO FL 32805 2 08/17/99 11
0431515485 05 10/01/99 25
0071684815 O 09/01/29
0
1944057 R86/G02 F 114,900.00 ZZ
360 114,900.00 1
1030 WEST ROAD 4 1/2 NORTH 8.750 903.92 68
8.500 903.92 169,900.00
CHINO VALLEY AZ 86323 1 11/09/99 00
0431644798 05 01/01/00 0
0000 O 12/01/29
0
1
1944075 H19/G02 F 126,000.00 ZZ
360 125,939.63 4
129 SPRING ST 9.625 1,070.99 90
9.375 1,070.99 140,000.00
WOONSOCKET RI 02895 1 10/29/99 10
0431627173 05 12/01/99 25
0001968551 N 11/01/29
0
1944077 H19/G02 F 113,130.00 ZZ
360 113,075.80 4
104-110 AVENUE C 9.625 961.60 90
9.375 961.60 125,700.00
WOONSOCKET RI 02895 1 10/29/99 12
0431627009 05 12/01/99 25
0001968569 N 11/01/29
0
1944078 H19/G02 F 117,000.00 ZZ
360 116,943.95 3
61-63 COTE AVE 9.625 994.49 90
9.375 994.49 130,000.00
WOONSOCKET RI 02895 1 10/29/99 10
0431627223 05 12/01/99 25
0001968577 N 11/01/29
0
1944108 163/G02 F 85,000.00 ZZ
360 84,901.83 2
785-795 FAIRCHILD PLACE 8.750 668.70 74
8.500 668.70 116,000.00
LEWISTON NY 14092 2 08/30/99 00
0431547371 05 11/01/99 0
0373926835 O 10/01/29
0
1944254 369/G02 F 105,600.00 ZZ
360 105,317.02 3
39 HARRISON STREET 9.000 849.69 76
8.750 849.69 140,000.00
LEOMINSTER MA 01453 1 07/19/99 00
0431515600 05 09/01/99 0
000 N 08/01/29
0
1944310 S07/G02 F 214,400.00 ZZ
360 214,188.23 4
2410 SPLIT ROCK DRIVE 9.500 1,802.80 80
9.250 1,802.80 268,000.00
1
COLORADO SPRING CO 80919 5 09/29/99 00
0431554617 05 11/01/99 0
FRANCO N 10/01/29
0
1944423 K15/G02 F 376,000.00 ZZ
360 375,794.61 1
228 LITCHEFORD COURT 9.000 3,025.39 80
8.750 3,025.39 470,000.00
CREVE COEUR MO 63141 1 10/07/99 00
0431568005 05 12/01/99 0
100014700006472 O 11/01/29
0
1944547 L38/G02 F 127,400.00 ZZ
360 127,400.00 1
131 SUNNYBROOK ROAD 8.500 979.60 75
8.250 979.60 169,900.00
JACKSON NJ 08527 1 11/19/99 00
0431651363 05 01/01/00 0
43419 O 12/01/29
0
1944630 P92/G02 F 29,205.00 ZZ
360 29,166.65 1
450 WEST 7TH 8.125 216.85 90
UNIT 1000505 D 7.875 216.85 32,450.00
TULSA OK 74119 1 09/22/99 04
0431507672 06 11/01/99 25
0600199 O 10/01/29
0
1944721 163/G02 F 337,500.00 ZZ
360 336,913.23 1
5025 COLLINS AVENUE, # 903, 8.750 2,655.11 90
8.500 2,655.11 375,000.00
MIAMI BEACH FL 33140 1 08/10/99 04
0431508092 06 10/01/99 25
7717063050 O 09/01/29
0
1944735 134/G02 F 80,000.00 T
360 79,958.52 1
370 IMPERIAL WAY #328 9.250 658.15 73
9.000 658.15 110,000.00
DALY CITY CA 94015 1 10/12/99 00
0431624105 01 12/01/99 0
8981896 O 11/01/29
0
1
1944760 950/G02 F 127,800.00 ZZ
360 127,648.54 1
512 225TH PLACE SOUTHEAST 8.625 994.02 44
8.375 994.02 296,000.00
BOTHELL WA 98021 1 08/31/99 00
0431506161 03 11/01/99 0
990721191 O 10/01/29
0
1944814 637/G02 F 154,000.00 ZZ
360 153,732.25 4
3926 S TYLER STREET 8.750 1,211.52 77
8.500 1,211.52 200,000.00
TACOMA WA 98409 2 08/30/99 00
0431536432 05 10/01/99 0
00153005410 N 09/01/29
0
1944845 638/G02 F 56,000.00 ZZ
360 55,936.98 1
22807 HOCKADAY DRIVE 8.875 445.56 80
8.625 445.56 70,000.00
KATY TX 77450 1 09/07/99 00
0431511005 05 11/01/99 0
08926467 O 10/01/29
0
1944858 H49/G02 F 292,000.00 ZZ
360 291,856.38 1
2289 EASTVIEW DRIVE 9.500 2,455.29 95
9.250 2,455.29 310,000.00
DES PLAINES IL 60018 2 10/22/99 11
0431635960 05 12/01/99 30
316326 O 11/01/29
0
1944860 N11/G02 F 86,000.00 ZZ
360 85,908.13 1
111 SUFFOLK DRIVE 9.125 699.72 80
8.875 699.72 107,600.00
MADISON AL 35758 1 09/30/99 00
0431535301 05 11/01/99 0
EDMISTON O 10/01/29
0
1944866 E38/G02 F 117,000.00 ZZ
360 116,914.52 1
1
3056 WEST 1010 NORTH 8.875 930.90 90
8.625 930.90 130,000.00
PROVO UT 84604 1 10/05/99 01
0431579721 05 12/01/99 25
991853 O 11/01/29
0
1944948 G44/G02 F 114,850.00 ZZ
360 114,736.57 1
595 WEST RAQUET CLUB ROAD 9.500 965.72 95
UNIT 73 9.250 965.72 120,900.00
FT LAUDERDALE FL 33326 1 09/30/99 10
0431538503 09 11/01/99 30
0999006 O 10/01/29
0
1945019 A37/G02 F 78,960.00 ZZ
360 78,657.58 3
812 CHICAGO AVE 8.250 593.20 80
8.000 593.20 98,700.00
WAUSAU WI 54403 1 09/23/99 00
0431516533 05 11/01/99 0
PAUL N 10/01/29
0
1945069 637/G02 F 61,100.00 ZZ
360 61,006.70 1
3663 S SHERIDAN BLVD #B8 9.375 508.20 90
9.125 508.20 67,900.00
DENVER CO 80235 1 09/01/99 04
0431512383 01 10/01/99 30
0014978415 O 09/01/29
0
1945119 F96/G02 F 63,450.00 T
360 63,388.96 1
2 WINTER PARK DRIVE UNIT 4 9.625 539.32 90
9.375 539.32 70,500.00
TOWNSHIP OF VER NJ 07462 1 09/08/99 12
0431509769 01 11/01/99 25
9901775 O 10/01/29
0
1945145 P80/G02 F 130,500.00 T
360 130,435.82 1
625 LAKE ROAD 9.500 1,097.31 90
9.250 1,097.31 145,000.00
COVINGTON GA 30314 1 10/05/99 14
0431542588 05 12/01/99 25
1
SADLERIII O 11/01/29
0
1945152 R38/G02 F 62,550.00 T
360 62,517.57 1
203 33RD STREET 9.250 514.59 90
9.000 514.59 69,500.00
OCEAN CITY MD 21842 1 10/08/99 11
0431555390 08 12/01/99 25
80002 O 11/01/29
0
1945335 227/G02 F 29,925.00 ZZ
360 29,909.48 1
3638 KENBROOKE CT 9.250 246.19 95
9.000 246.19 31,500.00
KALAMAZOO MI 49006 1 10/11/99 10
0431578038 01 12/01/99 30
1857104 O 11/01/29
0
1945384 R21/G02 F 190,000.00 ZZ
360 189,911.36 1
20408 ITHACA 9.750 1,632.39 95
9.500 1,632.39 200,000.00
OLYMPIA FIELDS IL 60461 1 10/15/99 10
0431559293 05 12/01/99 30
ANYASOR O 11/01/29
0
1945552 227/G02 F 63,750.00 ZZ
360 63,714.25 1
10255 UTE PASS AVENUE 8.875 507.23 72
8.625 507.23 89,000.00
GREEN MOUNTAIN CO 80819 5 10/14/99 00
0431592419 05 12/01/99 0
1800020 O 11/01/29
0
1945561 Q30/G02 F 91,200.00 ZZ
360 91,144.75 1
105 SPRING MILL AVENUE 8.500 701.25 80
8.250 701.25 114,000.00
CONSHOHOCKEN PA 19428 1 10/14/99 00
0431615137 05 12/01/99 0
91010965 O 11/01/29
0
1
1945578 G81/G02 F 115,900.00 ZZ
360 115,842.99 1
2370 NE 135 STREET UNIT 309 9.500 974.55 95
9.250 974.55 122,000.00
NORTH MIAMI FL 33181 1 10/08/99 11
0431566801 01 12/01/99 30
021906042 O 11/01/29
0
1945658 685/G02 F 270,350.00 ZZ
360 270,037.77 1
251 KENNEDY AVENUE 8.750 2,126.85 80
8.500 2,126.85 338,000.00
SAN BUENAVENTUR CA 93003 1 09/17/99 00
0431518232 05 11/01/99 0
11171998 O 10/01/29
0
1945670 A93/G02 F 279,100.00 ZZ
360 278,922.36 2
1211 EAST 84TH STREET 9.000 2,245.71 95
8.750 2,245.71 293,800.00
BROOKLYN NY 11236 1 10/28/99 01
0431588722 07 12/01/99 30
07992978 O 11/01/29
0
1945718 G92/G02 F 400,000.00 T
360 399,787.14 1
14156 SOUTH SHORE DRIVE 9.125 3,254.53 50
8.875 3,254.53 800,000.00
TRUCKEE CA 96161 5 10/07/99 00
0431553031 05 12/01/99 0
0000 O 11/01/29
0
1945724 L84/G02 F 151,500.00 ZZ
360 151,417.25 1
1122 NORTH PASS AVENUE 9.000 1,219.00 95
8.750 1,219.00 159,500.00
BURBANK CA 91505 1 10/06/99 10
0431553890 05 12/01/99 35
99182 O 11/01/29
0
1946108 J74/G02 F 85,000.00 ZZ
360 84,913.81 1
125 NW 6TH AVENUE 9.375 706.99 95
9.125 706.99 89,500.00
1
DANIA FL 33004 1 09/28/99 11
0431534809 05 11/01/99 25
995003W O 10/01/29
0
1946158 455/G02 F 140,000.00 ZZ
360 139,842.44 1
3870 MICHAELIS WAY 8.875 1,113.91 95
8.625 1,113.91 148,000.00
CUMMING GA 30040 2 09/27/99 01
0431532282 05 11/01/99 30
86212 O 10/01/29
0
1946159 F18/G02 F 170,000.00 ZZ
360 169,798.53 2
1515-1517 52ND AVENUE 8.625 1,322.25 95
8.375 1,322.25 179,000.00
OAKLAND CA 94601 1 09/29/99 14
0431526805 05 11/01/99 30
R02191 O 10/01/29
0
1946226 S89/G02 F 110,000.00 ZZ
360 109,584.27 1
320 SIMPSON AVE 8.750 865.37 95
8.500 865.37 116,000.00
OCEAN CITY NJ 08226 1 08/31/99 10
0431538040 07 10/01/99 30
62007022 O 09/01/29
0
1946244 129/G02 F 150,000.00 ZZ
360 150,000.00 1
10 LEXINGTON DRIVE 8.375 1,140.11 72
8.125 1,140.11 210,000.00
BEVERLY MA 01915 5 10/28/99 00
0431635697 05 01/01/00 0
3500424449 O 12/01/29
0
1946247 369/G02 F 66,150.00 ZZ
360 66,077.22 1
4637 CLARCONA OCOEE ROAD 9.000 532.26 90
8.750 532.26 73,500.00
ORLANDO FL 32810 1 09/16/99 11
0431516871 05 11/01/99 25
71730485 O 10/01/29
0
1
1946253 P29/G02 F 100,000.00 ZZ
360 100,000.00 1
600 ASHLAND STREET 8.625 777.79 72
8.375 777.79 138,900.00
HASTINGS MN 55033 1 11/03/99 00
0431600949 05 01/01/00 0
1946253 O 12/01/29
0
1946259 638/G02 F 103,500.00 ZZ
360 103,386.52 1
4425 FIFTH STREET 9.000 832.78 90
8.750 832.78 115,000.00
RIVERSIDE CA 92501 1 09/01/99 14
0431528900 05 11/01/99 25
8924762 O 10/01/29
0
1946267 R53/G02 F 136,000.00 ZZ
360 136,000.00 1
190 HOME AVENUE 9.125 1,106.54 85
8.875 1,106.54 160,000.00
BURLINGTON VT 05401 5 11/20/99 04
0431651223 05 01/01/00 12
TB428 O 12/01/29
0
1946272 L94/G02 F 85,500.00 ZZ
360 85,454.50 1
8914 LAURIE CIRCLE 9.125 695.66 91
8.875 695.66 94,500.00
OMAHA NE 68124 2 10/14/99 10
0431560093 05 12/01/99 30
SPIEGEL O 11/01/29
0
1946276 N34/G02 F 116,280.00 ZZ
360 116,280.00 1
929 EAST 171ST STREET 9.250 956.61 95
9.000 956.61 122,400.00
SOUTH HOLLAND IL 60473 1 11/03/99 10
0431596303 05 01/01/00 30
1946276 O 12/01/29
0
1946322 R21/G02 F 57,000.00 ZZ
360 56,973.41 1
1
6817 SOUTH THROOP 9.750 489.72 95
9.500 489.72 60,000.00
CHICAGO IL 60636 1 10/14/99 10
0431553262 05 12/01/99 30
SMITH O 11/01/29
0
1946417 R62/G02 F 66,000.00 ZZ
360 65,938.15 2
5711 SOUTH MORGAN 9.750 567.05 75
9.500 567.05 88,000.00
CHICAGO IL 60621 5 09/10/99 00
0431631829 05 11/01/99 0
1001581 O 10/01/29
0
1946535 899/G02 F 66,500.00 ZZ
360 66,500.00 1
610 NORTH TENNESSEE STREET 9.380 553.36 95
9.130 553.36 70,000.00
BLYTHEVILLE AR 72315 2 10/19/99 01
0431583061 05 01/01/00 25
99276537 O 12/01/29
0
1946591 Q81/G02 F 158,400.00 ZZ
360 158,400.00 4
860 EAST BROWN ROAD 9.500 1,331.91 80
#13-16 9.250 1,331.91 198,000.00
MESA AZ 85203 5 11/16/99 00
0431666593 05 01/01/00 0
9MC0545 N 12/01/29
0
1946599 966/G02 F 28,000.00 ZZ
360 27,663.82 1
1233 CLARICE STREET 8.500 215.30 70
8.250 215.30 40,000.00
GRAND PRAIRIE TX 75051 1 09/24/99 00
0431533249 05 11/01/99 0
30013338 N 10/01/29
0
1946601 966/G02 F 68,800.00 ZZ
360 68,720.55 1
1334 STEVENS RIDGE DRIVE 8.750 541.25 80
8.500 541.25 86,000.00
DALLAS TX 75211 1 10/01/99 00
0431533058 05 11/01/99 0
1
30013423 O 10/01/29
0
1946623 L81/G02 F 56,000.00 ZZ
360 56,000.00 3
21-23 FAIRVIEW STREET 9.375 465.78 70
9.125 465.78 80,000.00
WATERBURY CT 06710 5 11/16/99 00
0431650126 05 01/01/00 0
992196 N 12/01/29
0
1946777 F34/G02 F 118,800.00 ZZ
360 118,679.55 1
5419 NORTH MAIN STREET 9.375 988.12 90
9.125 988.12 132,000.00
COLUMBIA SC 29201 1 09/30/99 10
0431525583 05 11/01/99 25
9900338 O 10/01/29
0
1946817 637/G02 F 62,100.00 ZZ
360 62,002.65 1
2401 T STREET 9.250 510.89 90
9.000 510.89 69,000.00
SACRAMENTO CA 95816 1 08/30/99 14
0431659051 05 10/01/99 25
0014025605 N 09/01/29
0
1946827 G52/G02 F 95,000.00 ZZ
360 94,945.34 1
2812 EAST 8TH STREET 8.750 747.37 52
8.500 747.37 186,000.00
TUCSON AZ 85716 5 10/01/99 00
0431537018 05 12/01/99 0
99004169 O 11/01/29
0
1946872 956/G02 F 311,200.00 ZZ
360 310,831.22 1
2465 SOUTH 1200 WEST 8.625 2,420.48 80
8.375 2,420.48 389,000.00
SYRACUSE UT 84075 1 09/15/99 00
0431538842 05 11/01/99 0
2209090086 O 10/01/29
0
1
1946920 P16/G02 F 84,150.00 ZZ
360 84,100.32 1
5199 LEONARD DRIVE 8.625 654.51 85
8.375 654.51 99,000.00
EUREKA CA 95503 5 10/22/99 10
0431617620 05 12/01/99 12
50003851 O 11/01/29
0
1946951 A60/G02 F 160,000.00 ZZ
360 160,000.00 1
29 PINE AVENUE 9.375 1,330.80 64
9.125 1,330.80 253,000.00
FLORAL PARK NY 11001 2 11/10/99 00
0431634252 05 01/01/00 0
0000 O 12/01/29
0
1946965 H49/G02 F 60,000.00 ZZ
360 60,000.00 3
2656 SOUTH RIDGEWAY 9.500 504.51 80
9.250 504.51 75,000.00
CHICAGO IL 60623 1 11/16/99 00
0431667260 05 01/01/00 0
31668953 O 12/01/29
0
1946981 P29/G02 F 76,000.00 ZZ
360 75,928.79 1
207 5TH AVENUE SW #103 9.750 652.96 95
9.500 652.96 80,000.00
ROCHESTER MN 55902 1 09/29/99 10
0431535483 06 11/01/99 30
70069150 O 10/01/29
0
1946984 P48/G02 F 54,000.00 ZZ
360 53,974.81 4
2125-2127 W 4TH STREET 9.750 463.94 90
9.500 463.94 60,000.00
DULUTH MN 55806 1 10/21/99 10
0431589514 05 12/01/99 30
1946984 N 11/01/29
0
1946993 950/G02 F 141,000.00 ZZ
360 140,832.92 1
5646 31ST AVE SOUTHWEST 8.625 1,096.68 90
8.375 1,096.68 156,700.00
1
SEATTLE WA 98126 1 09/29/99 14
0431530641 05 11/01/99 25
102990917010 O 10/01/29
0
1947000 637/G02 F 75,000.00 T
360 74,906.43 1
28750 ZION DRIVE 8.375 570.06 28
8.125 570.06 275,000.00
LAKE ARROWHEAD CA 92352 2 09/10/99 00
0431542182 05 11/01/99 0
0010839538 O 10/01/29
0
1947004 637/G02 F 151,500.00 ZZ
360 151,225.02 1
5126 PATTERSON RD 8.750 1,191.86 75
8.500 1,191.86 202,000.00
ANDERSON SC 29625 5 09/07/99 00
0431641125 05 11/01/99 0
0013112230 O 10/01/29
0
1947021 455/G02 F 285,500.00 ZZ
360 285,331.44 1
4936 GREEN POINET WAY 8.625 2,220.59 83
8.375 2,220.59 345,343.00
MARIETTA GA 30067 1 10/06/99 01
0431538800 03 12/01/99 12
09000026 O 11/01/29
0
1947072 N20/G02 F 215,000.00 ZZ
360 215,000.00 1
7637 WEST 900 SOUTH 8.250 1,615.22 72
8.000 1,615.22 300,000.00
OGDEN UT 84404 4 11/16/99 00
0431654102 05 01/01/00 0
384642 O 12/01/29
0
1947074 G69/G02 F 109,350.00 ZZ
360 109,297.61 1
1601 18TH STREET N.W. #203 9.625 929.47 90
9.375 929.47 121,500.00
WASHINGTON DC 20009 1 10/15/99 10
0431593714 06 12/01/99 25
0600221 O 11/01/29
0
1
1947075 M65/G02 F 206,000.00 ZZ
300 206,000.00 1
535 94TH STREET 8.500 1,658.77 78
8.250 1,658.77 265,000.00
BROOKLYN NY 11209 5 11/15/99 00
0431654623 05 01/01/00 0
2322 O 12/01/24
0
1947247 828/G02 F 124,425.00 ZZ
360 124,355.24 1
5606 COUNTRY CLUB DRIVE 8.875 989.99 90
8.625 989.99 138,250.00
LAGO VISTA TX 78645 1 10/21/99 11
0431593763 05 12/01/99 25
90030279 N 11/01/29
0
1947257 R74/G02 F 420,000.00 ZZ
360 419,489.32 1
605 NW 158TH STREET 8.500 3,229.44 80
8.250 3,229.44 525,000.00
EDMOND OK 73013 5 10/15/99 00
0431577469 05 11/20/99 0
404004391 O 10/20/29
0
1947327 M46/G02 F 66,500.00 ZZ
360 66,461.74 1
2001 BERING DRIVE 8.750 523.16 90
8.500 523.16 74,500.00
HOUSTON TX 77057 1 10/13/99 10
0431618073 01 12/01/99 25
7353635 O 11/01/29
0
1947609 E46/G02 F 77,600.00 ZZ
360 77,519.23 2
10837 ACADEMY ROAD 9.250 638.40 80
9.000 638.40 97,000.00
PHILADELPHIA PA 19154 5 10/01/99 00
0431544758 05 11/01/99 0
38947 N 10/01/29
0
1947637 428/G02 F 87,710.00 ZZ
360 87,611.27 1
1
11429 VISTA HAVEN DRIVE 8.875 697.87 90
8.625 697.87 98,000.00
CHARLOTTE NC 28226 2 09/30/99 19
0431545789 05 11/01/99 25
2201405 O 10/01/29
0
1947644 H93/G02 F 167,700.00 ZZ
360 167,516.11 1
7265 PARK BEND DR 9.000 1,349.35 80
8.750 1,349.35 209,667.00
WESTERVILLE OH 43082 1 09/28/99 00
0431546258 05 11/01/99 0
9978000 O 10/01/29
0
1947646 H93/G02 F 176,400.00 ZZ
360 176,206.58 1
7892 PINEHILL RD 9.000 1,419.35 90
8.750 1,419.35 196,000.00
LEWIS CENTER OH 43035 1 09/28/99 04
0431546167 05 11/01/99 25
69251380 O 10/01/29
0
1947647 H93/G02 F 146,400.00 ZZ
360 146,239.46 1
7281 PARKBEND DRIVE 9.000 1,177.97 80
8.750 1,177.97 183,000.00
WESTERVILLE OH 43082 1 09/28/99 00
0431554054 05 11/01/99 0
9972524 O 10/01/29
0
1947686 N70/G02 F 180,000.00 ZZ
360 180,000.00 2
41-42 LEONARD STREET 8.875 1,432.16 68
8.625 1,432.16 265,000.00
PORT CHESTER NY 10573 2 11/15/99 00
0431639525 05 01/01/00 0
1947686 O 12/01/29
0
1947687 638/G02 F 158,950.00 ZZ
360 158,793.01 1
8245 EAST BELL ROAD #233 9.500 1,336.54 90
9.250 1,336.54 176,651.00
SCOTTSDALE AZ 85260 1 09/28/99 10
0431543628 07 11/01/99 25
1
08932728 O 10/01/29
0
1947689 638/G02 F 169,200.00 ZZ
360 168,702.40 1
4320 COLFAX #204 8.750 1,331.10 90
8.500 1,331.10 188,000.00
STUDIO CITY CA 91604 1 09/30/99 14
0431635929 05 11/01/99 25
08931247 O 10/01/29
0
1947704 N34/G02 F 79,050.00 ZZ
360 79,004.52 1
21630 OLIVIA 8.750 621.89 85
8.500 621.89 93,000.00
SAUK VILLAGE IL 60411 2 10/27/99 10
0431584754 05 12/01/99 12
1947704 O 11/01/29
0
1947761 P29/G02 F 58,900.00 ZZ
360 58,870.26 1
626 WOODLAWN 9.375 489.90 95
9.125 489.90 62,000.00
TRAER IA 50675 1 10/15/99 10
0431557693 05 12/01/99 30
ROBINSON O 11/01/29
0
1947852 B75/G02 F 260,000.00 ZZ
360 259,699.73 1
2708 63RD AVENUE SOUTHEAST 8.750 2,045.42 78
8.500 2,045.42 335,000.00
MERCER ISLAND WA 98040 5 09/20/99 00
0431557222 05 11/01/99 0
1743772 O 10/01/29
0
1947862 129/G02 F 114,300.00 ZZ
360 114,184.11 1
2601 E MONANVIER 9.375 950.69 90
9.125 950.69 127,000.00
PHEONIX AZ 85028 1 09/17/99 04
0431652072 05 11/01/99 25
9999999 O 10/01/29
0
1
1947874 K15/G02 F 117,000.00 ZZ
360 116,881.36 2
1210 AND 1212 BROADWAY STREET 9.375 973.15 90
9.125 973.15 130,000.00
FAIRFIELD CA 94533 1 09/15/99 04
0431557206 05 11/01/99 25
1682509 N 10/01/29
0
1947880 134/G02 F 125,450.00 ZZ
360 125,388.29 1
1512 GLENWOOD AVE 9.500 1,054.86 65
9.250 1,054.86 193,000.00
ATLANTA GA 30316 5 10/27/99 00
0431652403 05 12/01/99 0
9033127 N 11/01/29
0
1947891 P93/G02 F 42,750.00 ZZ
360 42,728.97 1
816 SOUTH KIMBALL STREET 9.500 359.47 90
9.250 359.47 47,500.00
GRAND ISLAND NE 68801 1 10/29/99 11
0431601921 05 12/01/99 25
0000 N 11/01/29
0
1947895 R13/R13 F 305,000.00 ZZ
360 304,810.42 1
2005 W MUKILTEO BLVD 8.375 2,318.23 54
8.125 2,318.23 575,000.00
EVERETT WA 98203 5 10/21/99 00
9999999 05 12/01/99 0
9999999 O 11/01/29
0
1947921 P29/G02 F 64,125.00 ZZ
360 64,091.76 2
3520-22 OAKLAND AVE. 9.250 527.54 95
9.000 527.54 67,500.00
MINNEAPOLIS MN 55407 1 10/20/99 10
0431574664 05 12/01/99 30
1947921 O 11/01/29
0
1947970 001/G02 F 73,100.00 ZZ
360 73,059.03 1
446 BUTTONWOODS AVENUE 8.875 581.61 75
8.625 581.61 97,500.00
1
WARWICK RI 02886 1 10/25/99 00
0431635598 05 12/01/99 0
1537119 O 11/01/29
0
1948060 637/G02 F 73,800.00 ZZ
360 73,800.00 2
6913 SOUTH PLEASANT VALLEY 8.875 587.19 90
ROAD 8.625 587.19 82,000.00
AUSTIN TX 78744 1 11/08/99 10
0431654698 05 01/01/00 25
0017423211 N 12/01/29
0
1948158 G52/G02 F 64,100.00 ZZ
360 64,069.30 1
928 EAST HELEN STREET 9.625 544.84 90
9.375 544.84 71,250.00
TUCSON AZ 85719 1 10/05/99 10
0431567833 05 12/01/99 25
99004127 N 11/01/29
0
1948179 N94/G02 F 118,000.00 ZZ
360 117,935.55 1
148 MAIN STREET UNIT C540 9.000 949.45 90
8.750 949.45 132,000.00
NORTH ANDOVER MA 01845 5 10/08/99 11
0431593557 01 12/01/99 25
002664 O 11/01/29
0
1948230 E23/G02 F 152,950.00 ZZ
360 152,773.36 2
3222-3224 47TH STREET 8.750 1,203.26 95
8.500 1,203.26 161,000.00
SAN DIEGO CA 92105 1 09/29/99 12
0431554583 05 11/01/99 30
10509963 O 10/01/29
0
1948296 S62/G02 F 66,500.00 ZZ
360 66,500.00 1
1940 ATLANTIC S 9.000 535.07 95
8.750 535.07 70,000.00
MAPLEWOOD MN 55109 1 11/04/99 10
0431659812 05 01/01/00 30
15394 O 12/01/29
0
1
1948300 Q59/G02 F 236,550.00 ZZ
360 236,424.12 3
2142 YOSEMITE DR. 9.125 1,924.65 95
8.875 1,924.65 249,000.00
LOS ANGELES CA 90041 1 10/25/99 11
0431624055 05 12/01/99 25
99001320 O 11/01/29
0
1948301 F18/G02 F 393,600.00 ZZ
360 392,769.17 1
5899 GOLD CREEK DRIVE 8.750 3,096.46 80
8.500 3,096.46 492,000.00
CASTRO VALLEY CA 94552 1 10/06/99 00
0431553015 03 12/01/99 0
R02203 O 11/01/29
0
1948310 637/G02 F 184,000.00 ZZ
360 183,787.50 1
5059 SUTTER CREEK CIRCLE 8.750 1,447.53 80
8.500 1,447.53 230,000.00
SAN JOSE CA 95136 1 09/15/99 00
0431557867 01 11/01/99 0
0010995611 O 10/01/29
0
1948347 Q70/G02 F 47,700.00 ZZ
360 47,676.54 1
6100 N. BROOKLINE AVE #3 9.500 401.09 90
9.250 401.09 53,000.00
OKLAHOMA CITY OK 73112 1 10/25/99 04
0431633742 01 12/01/99 25
19312 N 11/01/29
0
1948360 Q69/G02 F 74,000.00 ZZ
360 73,956.32 1
4708-4710 PIONEER ROAD 8.625 575.56 62
8.375 575.56 120,000.00
BALCH SPRINGS TX 75180 2 10/27/99 00
0431593052 05 12/01/99 0
9910009 O 11/01/29
0
1948368 313/G02 F 64,750.00 ZZ
360 64,675.22 1
1
2329 W COLORADO BVLD 8.750 509.39 70
8.500 509.39 92,500.00
DALLAS TX 75211 1 10/01/99 00
0431556687 05 11/01/99 0
69959390 N 10/01/29
0
1948454 168/168 F 209,700.00 ZZ
360 209,588.40 3
32-36 106TH STREET 9.125 1,706.19 90
8.875 1,706.19 233,000.00
EAST ELMHURST NY 11369 1 10/08/99 10
0189539968 05 12/01/99 25
0189539968 O 11/01/29
0
1948516 A06/G02 F 256,000.00 ZZ
360 255,688.72 1
7066 COLONY 8.500 1,968.42 80
8.250 1,968.42 320,000.00
WEST BLOOMFIELD MI 48323 2 09/30/99 00
0431560143 05 11/01/99 0
001000009937424 O 10/01/29
0
1948590 705/G02 F 204,000.00 ZZ
360 204,000.00 1
11 CHESTNUT STREET 8.500 1,568.58 80
8.250 1,568.58 255,000.00
HUNTINGTON NY 11743 1 11/12/99 00
0431629864 05 01/01/00 0
99030644 O 12/01/29
0
1948598 E11/G02 F 150,100.00 ZZ
360 150,011.38 1
1873 OAKHILL COURT 8.625 1,167.46 64
8.375 1,167.46 235,000.00
EAGAN MN 55122 1 10/13/99 00
0431573237 03 12/01/99 0
0003001017065 O 11/01/29
0
1948628 P16/G02 F 167,100.00 ZZ
360 167,100.00 4
925 MESA VERDE AVENUE 8.625 1,299.69 84
8.375 1,299.69 200,000.00
CORONA CA 91720 2 11/12/99 11
0431656578 05 01/01/00 12
1
50003855 N 12/01/29
0
1948681 Q49/G02 F 153,600.00 ZZ
360 153,520.37 1
25594 MULROY 9.250 1,263.63 80
9.000 1,263.63 192,000.00
SOUTHFIELD MI 48034 5 11/01/99 00
0431614882 05 12/01/99 0
1255 O 11/01/29
0
1948728 N34/G02 F 133,855.00 ZZ
360 133,775.97 1
201 SHAWNEE 8.625 1,041.11 95
8.375 1,041.11 140,950.00
HARVARD IL 60033 1 10/22/99 11
0431574201 05 12/01/99 30
ELLIOTT O 11/01/29
0
1948739 Q30/G02 F 109,000.00 ZZ
360 109,000.00 1
360 COURT STREET #31 9.750 936.48 58
9.500 936.48 189,000.00
BROOKLYN NY 11231 5 11/16/99 00
0431655679 08 01/01/00 0
91010685 N 12/01/29
0
1949004 455/G02 F 348,800.00 ZZ
360 348,604.46 1
3643 N STRATFORD ROAD 8.875 2,775.21 80
8.625 2,775.21 436,000.00
ATLANTA GA 30342 1 10/07/99 00
0431581826 05 12/01/99 0
09000051 O 11/01/29
0
1949045 H49/G02 F 32,950.00 ZZ
360 32,934.63 1
10211 URA LANE #4-106 9.750 283.09 75
9.500 283.09 43,950.00
THORNTON CO 80221 1 10/28/99 00
0431643568 01 12/01/99 0
316387306 N 11/01/29
0
1
1949069 687/G02 F 172,000.00 ZZ
360 171,895.80 1
15878 WAYLAND DRIVE 8.500 1,322.53 80
8.250 1,322.53 215,000.00
CHARLOTTE NC 28277 1 10/27/99 00
0431609874 03 12/01/99 0
9905200670 O 11/01/29
0
1949092 R19/G02 F 174,325.00 ZZ
360 174,325.00 4
284 MAIN STREET 9.250 1,434.13 95
9.000 1,434.13 183,500.00
AMESBURY MA 01913 1 11/19/99 04
0431652478 05 01/01/00 30
1949092 O 12/01/29
0
1949096 637/G02 F 323,000.00 ZZ
360 322,617.23 1
6310 GOLDEN GOOSE LANE 8.625 2,512.26 95
8.375 2,512.26 340,000.00
LAS VEGAS NV 89118 1 09/20/99 11
0431619709 03 11/01/99 30
0012915369 O 10/01/29
0
1949370 Q49/G02 F 48,600.00 ZZ
360 48,577.33 1
20036 STRASBURG 9.750 417.55 90
9.500 417.55 54,000.00
DETROIT MI 48205 1 10/29/99 12
0431622018 05 12/01/99 25
LULIS N 11/01/29
0
1949373 001/G02 F 240,000.00 ZZ
360 240,000.00 1
51 SUMMIT DRIVE 8.250 1,803.03 79
8.000 1,803.03 305,000.00
CRANSTON RI 02920 2 11/02/99 00
0431628726 05 01/01/00 0
1537309 O 12/01/29
0
1949414 P44/G02 F 132,000.00 ZZ
360 132,000.00 1
84 KNOTT AVENUE 9.375 1,097.91 80
9.125 1,097.91 165,000.00
1
SANDWICH MA 02563 5 11/17/99 00
0431651686 05 01/01/00 0
1949414 O 12/01/29
0
1949415 E48/G02 F 337,000.00 ZZ
360 336,801.03 1
5813 BENDING CHESTNUT ROAD 8.625 2,621.16 57
8.375 2,621.16 600,000.00
FRANKLIN TN 37064 1 10/11/99 00
0431561166 05 12/01/99 0
08990945 O 11/01/29
0
1949495 L47/G02 F 191,700.00 ZZ
360 191,484.27 1
5 HILLVALE CIRCLE 8.875 1,525.25 90
8.625 1,525.25 213,000.00
WILMINGTON DE 19808 2 09/27/99 04
0431588037 05 11/01/99 25
9802639 O 10/01/29
0
1949497 E18/G02 F 110,000.00 ZZ
360 109,945.89 1
374 DEVON WAY 9.500 924.94 69
9.250 924.94 160,000.00
WEST CHESTER PA 19380 1 10/28/99 00
0431595123 07 12/01/99 0
A2042 O 11/01/29
0
1949506 L94/G02 F 140,165.00 ZZ
360 140,092.34 1
12803 BALD EAGLE DRIVE 9.250 1,153.10 85
9.000 1,153.10 164,900.00
CHARLOTTE NC 28215 1 10/22/99 10
0431588839 03 12/01/99 12
CURTIS O 11/01/29
0
1949508 L94/G02 F 116,500.00 ZZ
360 116,445.65 1
435 NORTH MORTON DRIVE 9.750 1,000.91 94
9.500 1,000.91 124,500.00
SALT LAKE CITY UT 84116 2 10/25/99 10
0431588672 05 12/01/99 30
1949508 O 11/01/29
0
1
1949535 F03/G02 F 61,275.00 ZZ
360 61,238.82 1
3716 E UNIVERSITY DR 8.625 476.59 95
2003 8.375 476.59 64,500.00
MESA AZ 85205 1 10/26/99 11
0431600766 03 12/01/99 30
AZN10335 O 11/01/29
0
1949549 687/G02 F 53,100.00 ZZ
360 53,071.00 1
2878 REVEILLE CIRCLE 9.000 427.25 90
8.750 427.25 59,000.00
DECATUR GA 30316 1 10/28/99 10
0431609635 05 12/01/99 25
9908201186 N 11/01/29
0
1949703 S95/G02 F 147,000.00 ZZ
360 146,915.43 2
247-249 PARK STREET 8.750 1,156.45 64
8.500 1,156.45 230,000.00
MEDFORD MA 02155 5 10/25/99 00
0431595800 05 12/01/99 0
RABUFFETTI O 11/01/29
0
1949733 M18/G02 F 259,950.00 ZZ
360 259,641.96 1
35 WELLINGTON PLACE 8.625 2,021.86 93
8.375 2,021.86 280,000.00
ALISO VIEJO ARE CA 92656 1 09/27/99 04
0431573195 05 11/01/99 30
980100669 O 10/01/29
0
1950008 P80/G02 F 84,600.00 ZZ
360 84,552.57 1
5895 WEST FAYETTEVILLE ROAD 8.875 673.12 90
8.625 673.12 94,000.00
COLLEGE PARK GA 30349 1 10/29/99 14
0431595982 05 12/01/99 25
1950008 N 11/01/29
0
1950030 B26/G02 F 251,000.00 ZZ
360 251,000.00 3
1
93-12 49TH AVENUE 8.500 1,929.97 79
8.250 1,929.97 320,000.00
ELMHURST NY 11373 2 11/12/99 00
0431640010 05 01/01/00 0
1311014615 O 12/01/29
0
1950039 742/G02 F 200,000.00 ZZ
360 200,000.00 1
4 MARTIN COURT 8.750 1,573.40 73
8.500 1,573.40 277,500.00
KINDERHOOK NY 12106 1 11/03/99 00
0431623206 05 01/01/00 0
4872115 O 12/01/29
0
1950050 687/G02 F 60,000.00 ZZ
360 59,960.75 1
8257 DAMPIER CIR 8.125 445.50 51
7.875 445.50 118,372.00
LIVERPOOL NY 13090 1 10/28/99 00
0431618222 05 12/01/99 0
9904120348 O 11/01/29
0
1950066 Q28/G02 F 64,800.00 ZZ
360 64,800.00 1
8326 DEERFIELD DRIVE 9.375 538.97 90
9.125 538.97 72,000.00
PARMA OH 44129 1 11/02/99 12
0431597525 05 01/01/00 30
18631 N 12/01/29
0
1950122 227/G02 F 125,000.00 ZZ
360 125,000.00 1
351 MAPLE CT 8.625 972.24 50
8.375 972.24 255,000.00
MUSKEGON MI 49445 1 11/08/99 00
0431649979 05 01/01/00 0
1858674 O 12/01/29
0
1950138 962/G02 F 35,550.00 ZZ
360 35,530.06 1
3410 2ND STREET N #29 8.875 282.86 90
8.625 282.86 39,500.00
FARGO ND 58102 1 10/29/99 14
0431620186 01 12/01/99 25
1
000 N 11/01/29
0
1950168 S97/G02 F 130,000.00 ZZ
360 130,000.00 1
2529 JACKSON AVENUE 8.375 988.09 88
8.125 988.09 148,000.00
EVERETT WA 98203 5 11/01/99 10
0431627082 05 01/01/00 25
HENSEN O 12/01/29
0
1950219 Q59/G02 F 160,500.00 ZZ
360 160,410.02 2
2317 & 2317 1/2 S SYCAMORE AVE 8.875 1,277.01 95
8.625 1,277.01 169,000.00
LOS ANGELES CA 90016 1 10/27/99 11
0431623784 05 12/01/99 30
99001324 O 11/01/29
0
1950242 S54/G02 F 144,750.00 ZZ
360 144,672.96 1
20101 CYNTHEANNE ROAD 9.125 1,177.74 75
8.875 1,177.74 193,000.00
NOBLESVILLE IN 46060 5 11/01/99 00
0431595743 05 12/05/99 0
1950242 O 11/05/29
0
1950256 A78/G02 F 133,450.00 ZZ
360 133,375.18 1
1105 STONEHAM STREET 8.875 1,061.79 64
8.625 1,061.79 210,000.00
SUPERIOR CO 80027 1 10/14/99 00
0431576602 05 12/01/99 0
01000239 N 11/01/29
0
1950260 163/G02 F 56,250.00 T
360 56,185.04 1
112 HARMONY LANE 8.750 442.52 75
8.500 442.52 75,000.00
LAKE PLACID FL 33852 1 09/23/99 00
0431586445 05 11/01/99 0
0217117757 O 10/01/29
0
1
1950266 H19/G02 F 163,800.00 ZZ
360 163,800.00 2
24 BAKER ST 9.250 1,347.55 90
9.000 1,347.55 182,000.00
RICHMOND VT 05477 1 11/12/99 10
0431647502 05 01/01/00 25
0001964501 N 12/01/29
0
1950294 E48/G02 F 235,000.00 ZZ
360 235,000.00 1
7313 HENRY ROAD 8.250 1,765.48 79
8.000 1,765.48 298,000.00
FAIRVIEW TN 37062 2 11/12/99 00
0431647577 05 01/01/00 0
06990884 O 12/01/29
0
1950296 601/G02 F 170,000.00 ZZ
360 169,916.37 1
79050 US HIGHWAY 40 9.500 1,429.46 67
9.250 1,429.46 257,000.00
WINTER PARK CO 80482 5 10/08/99 00
0431583996 08 12/01/99 0
60128766 O 11/01/29
0
1950326 K81/G02 F 200,000.00 ZZ
360 199,723.82 1
13701 FONTANA 7.875 1,450.14 61
7.625 1,450.14 330,000.00
LEAWOOD KS 66224 5 09/30/99 00
0431609049 03 11/05/99 0
6001023 O 10/05/29
0
1950365 S81/G02 F 150,000.00 ZZ
360 149,915.90 1
60 WOOD STREAM DR 8.875 1,193.47 60
8.625 1,193.47 250,000.00
LANGHORNE PA 19047 5 10/28/99 00
0431596196 05 12/01/99 0
99080017 O 11/01/29
0
1950396 E67/G02 F 59,900.00 T
360 59,865.54 1
56856 ENTERPRISE DR 8.750 471.23 80
UNIT J 5 8.500 471.23 74,900.00
1
SUNRIVER OR 97707 1 10/08/99 00
0431571975 01 12/01/99 0
150035355 O 11/01/29
0
1950441 R21/G02 F 156,750.00 ZZ
360 156,659.82 2
5045 WEST ADAMS 8.750 1,233.15 95
8.500 1,233.15 165,000.00
CHICAGO IL 60644 2 10/29/99 10
0431588318 05 12/01/99 30
1950441 O 11/01/29
0
1950445 N87/G02 F 94,500.00 ZZ
360 94,500.00 1
23785 DAVID AVE 8.500 726.62 90
8.250 726.62 105,000.00
EASTPOINTE MI 48021 5 11/17/99 10
0431655828 05 01/01/00 25
000000452 O 12/01/29
0
1950449 144/144 F 147,600.00 ZZ
360 147,600.00 1
83 SMITH LANE 8.375 1,121.87 90
8.125 1,121.87 164,000.00
MARBLETOWN NY 12484 1 11/03/99 10
160650267 05 01/01/00 25
160650267 O 12/01/29
0
1950483 S64/G02 F 73,800.00 ZZ
360 73,800.00 1
327 EAST MAIN STREET 9.500 620.56 90
9.250 620.56 82,000.00
MILLERSBURG IN 46543 1 11/15/99 14
0431639756 05 01/01/00 25
4900147 N 12/01/29
0
1950618 696/G02 F 287,850.00 ZZ
360 287,688.63 1
20797 IRIS DRIVE 8.875 2,290.26 80
8.625 2,290.26 359,813.00
STERLING VA 20165 1 10/18/99 00
0431573468 03 12/01/99 0
24399055 O 11/01/29
0
1
1950630 964/G02 F 152,800.00 ZZ
360 152,709.79 1
13408 MELODY ROAD 8.625 1,188.46 80
8.375 1,188.46 191,000.00
CHINO HILLS CA 91709 1 09/29/99 00
0431585603 05 12/01/99 0
65146 O 11/01/29
0
1950635 637/G02 F 100,000.00 ZZ
360 99,893.15 1
101 PASTO VERDE 9.125 813.64 44
8.875 813.64 230,000.00
NOGAL NM 88341 4 09/29/99 00
0431603679 05 11/01/99 0
0017526153 O 10/01/29
0
1950656 536/536 F 238,400.00 ZZ
360 238,131.71 1
75-6082 ALII DRIVE #A219 8.875 1,896.82 80
8.625 1,896.82 298,000.00
KAILUA-KONA HI 96740 1 09/17/99 00
1243773 01 11/01/99 0
1243773 O 10/01/29
0
1950672 637/G02 F 110,700.00 T
360 110,575.42 1
1275 TARPON CENTER DRIVE 8.875 880.78 90
8.625 880.78 123,000.00
VENICE FL 34285 1 09/30/99 04
0431586544 01 11/01/99 25
0011417458 O 10/01/29
0
1950674 637/G02 F 230,000.00 ZZ
360 229,705.65 1
3670 W MESA VERDE AVENUE 8.250 1,727.92 65
8.000 1,727.92 355,000.00
LAS VEGAS NV 89139 4 09/15/99 00
0431650720 05 11/01/99 0
0012914024 O 10/01/29
0
1950703 638/G02 F 104,500.00 ZZ
360 104,388.35 1
1
485 RIMMON STREET 9.125 850.25 95
8.875 850.25 110,000.00
MANCHESTER NH 03102 1 10/04/99 10
0431581677 05 11/01/99 30
8922569 O 10/01/29
0
1950732 G13/G02 F 174,250.00 ZZ
360 174,152.31 1
1823 STRATHMORE PLACE 8.875 1,386.41 85
8.625 1,386.41 205,000.00
WEST COVINA CA 91792 5 10/06/99 01
0431583749 05 12/01/99 12
0000010215 O 11/01/29
0
1950737 H49/G02 F 263,250.00 ZZ
360 263,127.19 4
2654 SOUTH FEDERAL BLVD 9.750 2,261.72 90
9.500 2,261.72 292,500.00
DENVER CO 80219 1 11/04/99 01
0431654854 05 12/01/99 25
316510306 N 11/01/29
0
1950738 G13/G02 F 187,000.00 ZZ
360 186,810.40 1
10966 SOUTH BROADWAY 9.375 1,555.37 85
9.125 1,555.37 220,000.00
LOS ANGELES CA 90061 1 09/29/99 01
0431608223 05 11/01/99 12
99999999 O 10/01/29
0
1950742 H49/G02 F 68,000.00 ZZ
360 68,000.00 1
3214 SOUTH MADISON 8.625 528.90 80
8.375 528.90 85,000.00
BROOKFIELD IL 60513 1 11/16/99 00
0431654581 05 01/01/00 0
31652353 O 12/01/29
0
1950746 Q80/G02 F 204,250.00 ZZ
360 204,250.00 3
940-942-944 N LAKE AVENUE 9.750 1,754.82 95
9.500 1,754.82 215,000.00
PASADENA CA 91104 1 11/12/99 10
0431666270 05 01/01/00 30
1
101199 O 12/01/29
0
1950763 B39/G02 F 117,800.00 ZZ
360 117,740.51 1
5209 BEACHSIDE DRIVE 9.375 979.80 95
9.125 979.80 124,000.00
MINNETONKA MN 55343 1 11/02/99 02
0431595594 09 12/01/99 30
SMITH O 11/01/29
0
1950772 P01/G02 F 91,800.00 ZZ
360 91,800.00 3
232 SECOND AVENUE 9.000 738.65 88
8.750 738.65 105,000.00
ALBANY NY 12209 2 11/09/99 04
0431638493 05 01/01/00 25
GIROUX N 12/01/29
0
1950776 E45/G02 F 146,000.00 ZZ
360 145,916.00 1
5086 MINNIEC ROAD 8.750 1,148.58 80
8.500 1,148.58 182,500.00
LAS CRUCES NM 88011 1 10/22/99 00
0431579945 05 12/01/99 0
56163 O 11/01/29
0
1950793 M96/G02 F 43,000.00 ZZ
360 43,000.00 2
519-21 LAFAYETTE NE 9.250 353.75 75
9.000 353.75 57,500.00
GRAND RAPIDS MI 49503 2 11/08/99 00
0431622000 05 01/01/00 0
106053530 N 12/01/29
0
1950794 L48/G02 F 16,200.00 ZZ
360 16,191.82 1
620 SIMCOE AVENUE 9.375 134.74 54
9.125 134.74 30,000.00
FLINT MI 48507 1 10/07/99 10
0431576552 05 12/01/99 25
85198 N 11/01/29
0
1
1950808 N13/G02 F 157,050.00 ZZ
360 156,790.71 4
8714 NW 82ND TER 9.000 1,263.66 90
8.750 1,263.66 174,500.00
KANSAS CITY MO 64152 1 10/29/99 14
0431624931 05 12/01/99 25
18RICEDOUG N 11/01/29
0
1950824 K15/G02 F 148,500.00 ZZ
360 148,349.43 4
1949 ALWILL STREET 9.375 1,235.15 90
9.125 1,235.15 165,000.00
LAS VEGAS NV 89106 1 09/21/99 01
0431578178 05 11/01/99 25
1746692 N 10/01/29
0
1950826 E11/G02 F 76,500.00 ZZ
360 76,459.29 1
9237 13TH AVENUE SOUTH 9.125 622.43 75
8.875 622.43 102,000.00
BLOOMINGTON MN 55425 1 10/18/99 00
0431587716 05 12/01/99 0
1017990 N 11/01/29
0
1950828 637/G02 F 204,150.00 ZZ
360 204,035.55 1
7276 CRONIN CIRCLE 8.875 1,624.31 90
8.625 1,624.31 226,950.00
DUBLIN CA 94568 1 10/04/99 04
0431586395 01 12/01/99 25
0015313695 O 11/01/29
0
1950830 830/G02 F 280,000.00 ZZ
360 279,821.45 1
177 NORTH ALTA STREET 8.250 2,103.55 80
8.000 2,103.55 350,000.00
SALT LAKE CITY UT 84103 1 10/20/99 00
0431610450 05 12/01/99 0
WILLIAMS544102 O 11/01/29
0
1950869 G52/G02 F 44,100.00 ZZ
360 44,078.31 1
4040 NORTH 64TH DRIVE 9.500 370.82 90
9.250 370.82 49,000.00
1
PHOENIX AZ 85033 1 10/13/99 10
0431585355 05 12/01/99 25
98506333 N 11/01/29
0
1950874 N66/G02 F 420,000.00 ZZ
360 420,000.00 1
THOMPSONBURG ROAD 8.500 3,229.44 64
8.250 3,229.44 664,000.00
LONDONDERRY VT 05148 5 11/08/99 00
0431620699 05 01/01/00 0
990407 O 12/01/29
0
1950878 E18/G02 F 153,000.00 ZZ
360 153,000.00 4
2337 HAVERFORD ROAD 9.250 1,258.70 90
9.000 1,258.70 170,000.00
ARDMORE PA 19003 1 11/18/99 04
0431651058 05 01/01/00 25
A2070 N 12/01/29
0
1950879 E18/G02 F 153,000.00 ZZ
360 153,000.00 4
2333 HAVERFORD ROAD 9.250 1,258.70 90
9.000 1,258.70 170,000.00
ARDMORE PA 19003 1 11/18/99 10
0431652890 05 01/01/00 25
A2069 N 12/01/29
0
1950897 Q49/G02 F 48,600.00 ZZ
360 48,600.00 1
19165 RENO 9.375 404.24 90
9.125 404.24 54,000.00
DETROIT MI 48205 1 11/09/99 10
0431622190 05 01/01/00 25
0383594 N 12/01/29
0
1950898 637/G02 F 167,200.00 ZZ
360 167,006.90 1
26521 CORNELL ST 8.750 1,315.37 80
8.500 1,315.37 209,000.00
LOMA LINDA CA 92354 1 09/28/99 00
0431591130 03 11/01/99 0
15307846 O 10/01/29
0
1
1950910 637/G02 F 332,000.00 ZZ
360 331,645.28 1
620 NEAL STREET 9.125 2,701.27 80
8.875 2,701.27 415,000.00
PLEASANTON CA 94566 1 09/17/99 00
0431581131 05 11/01/99 0
0018358812 O 10/01/29
0
1950920 Q76/G02 F 78,750.00 ZZ
360 78,706.99 1
4304 NORTH 14TH STREET 9.000 633.64 90
8.750 633.64 87,500.00
PHOENIX AZ 85014 1 10/27/99 10
0431601095 05 12/01/99 25
1950920 N 11/01/29
0
1950922 Q76/G02 F 46,800.00 ZZ
360 46,774.44 1
2537 WEST SAN MIGUEL AVENUE 9.000 376.56 90
8.750 376.56 52,000.00
PHOENIX AZ 85017 1 10/27/99 01
0431601129 05 12/01/99 25
9909008 N 11/01/29
0
1950927 F62/G02 F 97,043.00 ZZ
360 96,918.80 1
20844 NW 3RD COURT 8.250 729.06 90
8.000 729.06 107,826.00
PEMBROKE PINES FL 33029 1 09/30/99 04
0431582170 09 11/01/99 25
BARCHI O 10/01/29
0
1950937 F64/G02 F 106,200.00 ZZ
360 106,200.00 4
347 PEMBROKE AVE 9.500 892.99 90
9.250 892.99 118,000.00
HAMPTON VA 23669 1 11/05/99 11
0431627355 05 01/01/00 25
8000000771 N 12/01/29
0
1950945 687/G02 F 135,000.00 ZZ
360 134,937.02 4
1
3620 E CHEYENNE AVE 9.750 1,159.86 90
9.500 1,159.86 150,000.00
LAS VEGAS NV 89115 1 10/29/99 01
0431619337 05 12/01/99 25
9906050036 N 11/01/29
0
1950959 K15/G02 F 126,900.00 ZZ
360 126,834.21 1
10702 NEW HAMPSHIRE AVENUE 9.250 1,043.98 90
9.000 1,043.98 141,000.00
SILVER SPRING MD 20903 1 10/11/99 01
0431578442 05 12/01/99 25
1809094 O 11/01/29
0
1950967 K15/G02 F 42,000.00 ZZ
360 41,958.52 2
738 WEST ATHERTON ROAD 9.500 353.16 80
9.250 353.16 52,500.00
FLINT MI 48507 1 10/01/99 00
0431578517 05 11/01/99 0
1805324 N 10/01/29
0
1950970 K15/G02 F 301,500.00 ZZ
360 301,151.81 1
12365 HIGH GLEN WAY 8.750 2,371.90 90
8.500 2,371.90 335,000.00
NORTHRIDGE AREA CA 91326 1 09/21/99 14
0431578566 05 11/01/99 25
1735828 O 10/01/29
0
1950972 K15/G02 F 107,700.00 ZZ
360 107,593.64 4
2012 SOUTH GRANADA 9.500 905.60 72
9.250 905.60 150,000.00
TEMPE AZ 85282 2 09/21/99 00
0431578582 05 11/01/99 0
1744226 N 10/01/29
0
1950990 H19/G02 F 81,000.00 ZZ
360 81,000.00 2
42 OAKLAND AVE 9.500 681.10 90
9.250 681.10 90,000.00
ATTLEBORO MA 02703 1 11/12/99 10
0431647973 05 01/01/00 25
1
0001968825 N 12/01/29
0
1951025 G34/G02 F 53,900.00 ZZ
360 53,846.77 1
311 EDGEWOOD AVENUE 9.500 453.22 90
9.250 453.22 59,900.00
WATERBURY CT 06706 1 09/29/99 04
0431580307 05 11/01/99 25
9088541 N 10/01/29
0
1951051 637/G02 F 78,300.00 ZZ
360 78,254.95 4
3224 A/B & B 3226 A/B MURA 8.750 615.99 90
8.500 615.99 87,000.00
FORT PIERCE FL 34982 1 10/01/99 04
0431604206 05 12/01/99 25
0019037340 N 11/01/29
0
1951059 K15/G02 F 80,800.00 ZZ
240 80,313.20 1
1359 N ECHO AVE 9.275 741.33 90
9.025 741.33 90,000.00
FRESNO CA 93728 5 09/22/99 10
0431585520 05 11/01/99 25
038305300223 O 10/01/19
0
1951060 163/G02 F 396,700.00 ZZ
360 396,483.31 1
921 OSCEOLA DRIVE 9.000 3,191.94 80
8.750 3,191.94 495,970.00
BOCA RATON FL 33431 1 10/14/99 00
0431581628 09 12/01/99 0
0217125156 O 11/01/29
0
1951061 K15/G02 F 70,300.00 ZZ
360 70,137.68 1
10818 BELLEFONTAINE STREET 8.250 528.14 80
8.000 528.14 88,000.00
INDIANAPOLIS IN 46280 5 09/22/99 00
0431585504 05 11/01/99 0
027605300195 O 10/01/29
0
1
1951071 L96/G02 F 293,600.00 ZZ
360 293,431.08 1
25529 PAINE CIRCLE 8.750 2,309.75 80
8.500 2,309.75 367,000.00
STEVENSEN RANCH CA 91381 1 10/22/99 00
0431585389 05 12/01/99 0
0381826 O 11/01/29
0
1951073 K15/G02 F 106,300.00 ZZ
360 106,077.99 1
3825 VALLEY VIEW ST 7.850 768.90 76
7.600 768.90 140,000.00
COLORADO SPRING CO 80906 5 08/24/99 00
0431585926 05 10/01/99 0
021805417549 O 09/01/29
0
1951075 637/G02 F 97,900.00 ZZ
360 97,798.10 1
29-31 MYRICK STREET 9.250 805.40 70
9.000 805.40 139,900.00
AYER MA 01432 1 10/01/99 00
0431579523 05 11/01/99 0
0018785758 N 10/01/29
0
1951078 K15/G02 F 129,100.00 ZZ
360 128,954.71 2
858-860 NORTH AVENUE 50 8.875 1,027.18 95
8.625 1,027.18 135,900.00
LOS ANGELES CA 90042 1 09/16/99 14
0431593631 05 11/01/99 30
1745017 O 10/01/29
0
1951084 J73/G02 F 87,700.00 ZZ
360 87,656.86 1
6821 SW 6TH STREET 9.500 737.43 90
9.250 737.43 97,500.00
PEMBROKE PINES FL 33023 1 10/26/99 10
0431589431 05 12/01/99 25
9909042 O 11/01/29
0
1951097 R61/G02 F 61,650.00 ZZ
360 61,618.04 1
2932 LAREDO DRIVE 9.250 507.18 90
9.000 507.18 68,500.00
1
FT WORTH TX 76116 1 10/26/99 04
0431589761 05 12/01/99 25
10342 O 11/01/29
0
1951121 L84/G02 F 341,100.00 ZZ
360 340,913.68 1
913 CORNELL DRIVE 9.000 2,744.57 90
8.750 2,744.57 379,000.00
BURBANK CA 91504 1 10/27/99 10
0431594308 05 12/01/99 25
99204 O 11/01/29
0
1951129 H87/G02 F 234,000.00 ZZ
360 233,881.84 1
46 WOODLAND DRIVE 9.375 1,946.29 90
9.125 1,946.29 260,000.00
NORTH HAVEN NY 11963 1 11/05/99 11
0431647759 05 12/01/99 25
NY99102802MH N 11/01/29
0
1951136 705/G02 F 66,500.00 ZZ
360 66,500.00 1
69 CRANBERRY DRIVE 9.125 541.07 90
8.875 541.07 73,900.00
MASTIC BEACH NY 11951 1 11/09/99 14
0431634062 05 01/01/00 30
99030714 N 12/01/29
0
1951144 K65/G02 F 423,000.00 ZZ
360 423,000.00 1
3103 PEACHTREE DRIVE NE 8.625 3,290.05 75
8.375 3,290.05 565,000.00
ATLANTA GA 30305 5 11/05/99 00
0431622653 05 01/01/00 0
99R1665R O 12/01/29
0
1951191 E46/G02 F 81,000.00 ZZ
360 80,961.20 4
115 SOUTH MAIN STREET 9.625 688.49 90
9.375 688.49 90,000.00
BANGOR PA 18013 1 10/16/99 19
0431581271 05 12/01/99 25
39319 N 11/01/29
0
1
1951196 637/G02 F 95,650.00 ZZ
360 95,601.70 3
527 6TH STREET NW 9.375 795.57 95
9.125 795.57 100,700.00
FARIBAULT MN 55021 1 10/13/99 04
0431582923 05 12/01/99 30
0018685131 O 11/01/29
0
1951216 R55/G02 F 166,900.00 ZZ
360 166,806.42 1
47693 BEACON SQAURE DRIVE 8.875 1,327.94 80
8.625 1,327.94 208,645.00
MACOMB MI 48044 1 10/27/99 00
0431608181 05 12/01/99 0
000 O 11/01/29
0
1951233 637/G02 F 90,250.00 ZZ
360 90,200.70 1
4616 E WT HARRIS BLVD 9.000 726.18 95
8.750 726.18 95,000.00
CHARLOTTE NC 28215 2 10/06/99 14
0431582055 05 12/01/99 30
0013112982 O 11/01/29
0
1951238 637/G02 F 100,000.00 ZZ
360 99,948.15 1
7213 WESTOVER DRIVE 9.250 822.68 76
9.000 822.68 132,500.00
GRANBURY TX 76049 1 10/14/99 00
0431652734 03 12/01/99 0
0018998187 O 11/01/29
0
1951242 K65/G02 F 312,000.00 ZZ
360 311,785.28 1
655 RIVER KNOLL DRIVE 7.875 2,262.22 80
7.625 2,262.22 390,000.00
MARRIETTA GA 30067 1 11/05/99 00
0431607399 05 12/01/99 0
000 O 11/01/29
0
1951253 P92/G02 F 32,400.00 ZZ
360 32,382.76 1
1
3041 SOUTH 18TH STREET 9.125 263.62 90
8.875 263.62 36,000.00
OMAHA NE 68108 1 10/27/99 04
0431585496 05 12/01/99 25
0101103 N 11/01/29
0
1951287 M65/G02 F 313,000.00 ZZ
360 313,000.00 1
1318 RIVERBANK ROAD 8.875 2,490.37 95
8.625 2,490.37 329,600.00
STAMFORD CT 06903 1 11/08/99 01
0431635408 05 01/01/00 30
VACCARO O 12/01/29
0
1951292 G52/G02 F 104,000.00 ZZ
360 103,947.48 4
230 NORTH SHANNON ROAD 9.375 865.02 80
9.125 865.02 130,000.00
TUCSON AZ 85745 1 10/20/99 00
0431596212 05 12/01/99 0
77000512 N 11/01/29
0
1951296 F36/G02 F 76,000.00 ZZ
360 75,956.28 1
345 6TH AVENUE NORTH 8.750 597.89 51
8.500 597.89 150,000.00
ALGONA WA 98001 2 10/20/99 00
0431593110 05 12/01/99 0
06502864 N 11/01/29
0
1951299 J87/G02 F 84,350.00 ZZ
360 84,301.47 1
2323 18TH AVE 8.750 663.58 70
8.500 663.58 122,000.00
FOREST GROVE OR 97116 1 10/22/99 00
0431583137 05 12/01/99 0
1348 N 11/01/29
0
1951300 637/G02 F 159,600.00 ZZ
360 159,495.59 4
1632 STEVENS STREET 8.125 1,185.03 95
7.875 1,185.03 168,000.00
LAS VEGAS NV 89115 1 10/11/99 12
0431650696 05 12/01/99 30
1
0012917613 O 11/01/29
0
1951311 A02/G02 F 229,500.00 ZZ
360 229,387.12 1
450 ECHO 9.500 1,929.76 90
9.250 1,929.76 255,000.00
AURORA IL 60504 1 10/12/99 10
0431589167 07 12/01/99 25
3991068 O 11/01/29
0
1951322 S68/G02 F 103,500.00 ZZ
360 103,500.00 1
3111 N WOLF ROAD 8.375 786.67 90
8.125 786.67 115,000.00
LEYDEN IL 60164 1 11/03/99 04
0431651280 05 01/01/00 25
1951322 O 12/01/29
0
1951323 B85/G02 F 183,650.00 ZZ
360 183,552.27 1
209 CAPTAIN EAMES CIRCLE 9.125 1,494.24 75
8.875 1,494.24 244,900.00
ASHLAND MA 01721 1 10/27/99 00
0431583921 01 12/01/99 0
H991255BOS O 11/01/29
0
1951351 B28/G02 F 192,000.00 ZZ
360 191,880.66 4
728 734 31ST STREET 8.375 1,459.34 80
8.125 1,459.34 240,000.00
DENVER CO 80205 5 10/13/99 00
0431583962 05 12/01/99 0
05991559 N 11/01/29
0
1951352 P01/G02 F 122,400.00 ZZ
360 122,400.00 1
22 WEST CHESTNUT STREET 9.250 1,006.96 90
9.000 1,006.96 136,000.00
RHINEBECK NY 12572 1 11/05/99 04
0431640911 05 01/01/00 25
CAMPBELL O 12/01/29
0
1
1951358 A02/G02 F 58,500.00 ZZ
240 58,417.83 1
11754 SOUTH LAFLIN AVENUE 9.500 545.30 63
9.250 545.30 94,000.00
CHICAGO IL 60643 5 10/21/99 00
0431593060 05 12/01/99 0
07991811 O 11/01/19
0
1951360 A68/G02 F 220,000.00 ZZ
360 219,873.43 1
3365 WHITLEY ROAD 8.750 1,730.74 80
8.500 1,730.74 275,000.00
WYLIE TX 75198 4 10/26/99 00
0431585546 05 12/01/99 0
0377791 O 11/01/29
0
1951392 S76/G02 F 100,000.00 T
360 100,000.00 1
5601 COLLINS AVENUE #1411 9.000 804.63 62
8.750 804.63 162,000.00
MIAMI FL 33140 1 11/09/99 00
0431638790 06 01/01/00 0
1951392 O 12/01/29
0
1951397 A50/A50 F 123,300.00 ZZ
360 123,111.72 1
300 PEACHTREE ST UNITS A & B 9.375 1,025.55 90
9.125 1,025.55 137,000.00
ATLANTA GA 30308 1 08/31/99 04
125039 06 10/01/99 25
125039 O 09/01/29
0
1951404 K15/G02 F 73,800.00 ZZ
360 73,757.55 1
1428 PANOLA DRIVE 8.750 580.58 90
8.500 580.58 82,000.00
MESQUITE TX 75150 1 10/05/99 01
0431599182 05 12/01/99 25
1799188 N 11/01/29
0
1951424 K15/G02 F 66,800.00 ZZ
360 66,767.14 1
1028 N 59TH LANE 9.500 561.69 80
9.250 561.69 83,500.00
1
PHOENIX AZ 85043 2 10/04/99 00
0431605005 05 12/01/99 0
1798479 O 11/01/29
0
1951427 T11/G02 F 81,000.00 ZZ
360 81,000.00 1
2872 DALE CREEK DRIVE 9.000 651.74 90
8.750 651.74 90,000.00
ATLANTA GA 30318 1 11/19/99 04
0431660695 05 01/01/00 25
0385311 N 12/01/29
0
1951431 455/G02 F 74,800.00 ZZ
360 74,762.23 1
19 CLAIR DR 9.375 622.15 85
9.125 622.15 88,000.00
ATLANTA GA 30315 1 10/26/99 01
0431614189 05 12/01/99 12
9000061 O 11/01/29
0
1951444 624/G02 F 124,250.00 ZZ
360 124,250.00 4
918 A,B,C & D NORTH CLEVELAND 9.125 1,010.94 90
ST 8.875 1,010.94 138,100.00
KENNEWICK WA 99336 1 11/08/99 11
0431634864 05 01/01/00 25
85045090253 N 12/01/29
0
1951448 624/G02 F 124,250.00 ZZ
360 124,250.00 4
1000 A,B,C & D NORTH CLEVELAND 9.125 1,010.94 90
ST 8.875 1,010.94 138,100.00
KENNEWICK WA 99336 1 11/08/99 01
0431634989 05 01/01/00 25
85045090263 N 12/01/29
0
1951457 Q83/G02 F 62,100.00 ZZ
360 62,069.46 3
2141 MADISON AVENUE 9.500 522.17 90
9.250 522.17 69,000.00
HAMILTON OH 45015 1 10/28/99 11
0431589985 05 12/01/99 25
9919903 N 11/01/29
0
1
1951459 B28/G02 F 170,000.00 ZZ
360 169,899.63 1
1 ESQUINA ROAD 8.625 1,322.25 76
8.375 1,322.25 224,000.00
SANTA FE NM 87505 1 10/15/99 00
0431587351 05 12/01/99 0
05991504 O 11/01/29
0
1951460 637/G02 F 275,000.00 ZZ
360 274,841.78 1
239 LOVETTA LANE 8.750 2,163.43 70
8.500 2,163.43 398,000.00
MOUNT SHASTA CA 96067 2 10/08/99 00
0431593409 05 12/01/99 0
0015320518 O 11/01/29
0
1951463 637/G02 F 52,450.00 ZZ
360 52,419.82 1
1329 SE HAMILTON STREET 8.750 412.63 80
8.500 412.63 65,600.00
ROSEBURG OR 97470 1 10/14/99 00
0431641067 05 12/01/99 0
15281546 N 11/01/29
0
1951475 637/G02 F 76,500.00 ZZ
360 76,461.37 4
1779 PRYOUR CIRCLE 9.375 636.29 90
9.125 636.29 85,000.00
ATLANTA GA 30315 1 10/19/99 01
0431650753 05 12/01/99 25
12058665 N 11/01/29
0
1951523 E40/G02 F 117,000.00 ZZ
360 116,945.42 1
28-32 FISHER STREET 9.750 1,005.21 90
9.500 1,005.21 130,000.00
LOWELL MA 01850 1 10/27/99 04
0431588433 05 12/01/99 25
545000047 O 11/01/29
0
1951569 E11/G02 F 44,100.00 ZZ
360 44,074.63 1
1
3732 S MINNEHAHA AVENUE 8.750 346.93 70
8.500 346.93 63,000.00
MINNEAPOLIS MN 55406 1 10/27/99 00
0431590025 05 12/01/99 0
3001019032 N 11/01/29
0
1951581 685/G02 F 100,000.00 ZZ
360 99,940.96 1
4260 VIA ARBOLADA #124 8.625 777.79 80
8.375 777.79 125,000.00
LOS ANGELES CA 90042 1 10/15/99 00
0431588391 01 12/01/99 0
119508 O 11/01/29
0
1951583 G52/G02 F 118,400.00 ZZ
360 118,338.62 1
2341 TASHA DRIVE 9.250 974.05 80
9.000 974.05 148,000.00
ANCHORAGE AK 99502 1 10/22/99 00
0431592484 05 12/01/99 0
89502525 O 11/01/29
0
1951597 183/G02 F 60,000.00 ZZ
360 59,935.90 1
142 EAST MOUNTAIN ROAD 9.125 488.18 56
8.875 488.18 108,000.00
WATERBURY CT 06706 1 10/18/99 00
0431608033 05 11/18/99 0
800208781 O 10/18/29
0
1951621 638/G02 F 106,200.00 ZZ
360 106,147.76 1
10 FLAGGER ROAD 9.500 892.99 89
9.250 892.99 120,000.00
LEOMINSTER MA 01453 2 10/07/99 14
0431596170 05 12/01/99 25
08925528 O 11/01/29
0
1951624 638/G02 F 94,500.00 ZZ
360 94,452.28 1
3110 W DIVISION STREET 9.375 786.00 90
9.125 786.00 105,000.00
MELROSE PARK IL 60160 1 10/19/99 12
0431596162 05 12/01/99 25
1
08927945 O 11/01/29
0
1951627 638/G02 F 55,800.00 ZZ
360 55,771.07 1
1027 & 1029 SOUTH WAUGH STREET 9.250 459.05 90
9.000 459.05 62,000.00
KOKOMO IN 46902 1 10/15/99 10
0431596147 05 12/01/99 25
08929266 O 11/01/29
0
1951628 638/G02 F 123,300.00 ZZ
360 123,230.88 1
1324 SE 36TH AVENUE 8.875 981.03 90
8.625 981.03 137,000.00
PORTLAND OR 97214 1 10/12/99 10
0431596113 05 12/01/99 25
8930140 N 11/01/29
0
1951630 638/G02 F 69,300.00 ZZ
360 69,263.12 1
240 BAMBOO DRIVE 9.125 563.85 90
8.875 563.85 77,000.00
PORT CHARLOTTE FL 33954 1 10/19/99 10
0431596105 05 12/01/99 25
8936185 N 11/01/29
0
1951635 Q30/G02 F 88,000.00 ZZ
360 88,000.00 1
4616 MAIN STREET 8.250 661.11 74
8.000 661.11 120,000.00
WHITEHALL PA 18052 5 11/08/99 00
0431653617 05 01/01/00 0
91011133 O 12/01/29
0
1951642 Q99/G02 F 198,750.00 ZZ
360 198,654.79 1
211 BELVEDERE DRIVE 9.625 1,689.35 75
9.375 1,689.35 265,000.00
CRANSTON RI 02920 2 11/23/99 00
0431651165 05 12/23/99 0
SUGARMAN N 11/23/29
0
1
1951645 S95/G02 F 131,200.00 ZZ
360 131,200.00 1
30 FILLEY STREET 8.875 1,043.89 80
8.625 1,043.89 164,000.00
BLOOMFIELD CT 06002 2 11/05/99 00
0431635747 05 01/01/00 0
990132 O 12/01/29
0
1951670 K37/G02 F 60,400.00 ZZ
360 60,400.00 1
1319 NORTH 10TH 9.000 485.99 80
8.750 485.99 75,500.00
BEATRICE NE 68310 1 11/08/99 00
0431624006 05 01/01/00 0
BARTLETT O 12/01/29
0
1951747 737/G02 F 77,400.00 ZZ
360 77,362.92 1
2340 CANDLER ROAD 9.625 657.89 90
9.375 657.89 86,000.00
DECATUR GA 30032 1 10/21/99 01
0431617893 05 12/01/99 25
955986 N 11/01/29
0
1951759 Q99/G02 F 174,000.00 ZZ
360 173,894.59 1
40 OLD JACOBS ROAD 8.500 1,337.91 77
8.250 1,337.91 227,000.00
GEORGETOWN MA 01833 5 11/12/99 00
0431631647 05 12/17/99 0
0000 O 11/17/29
0
1951771 E40/G02 F 115,200.00 ZZ
360 115,146.25 3
29 EAST MAIN STREET 9.750 989.75 90
9.500 989.75 128,000.00
BROCKTON MA 02301 1 10/29/99 04
0431590876 05 12/01/99 25
199900752 N 11/01/29
0
1951778 L03/G02 F 71,920.00 ZZ
360 71,877.54 1
2518 CHIMAYO DRIVE 8.625 559.39 80
8.375 559.39 89,900.00
1
COLORADO SPRING CO 80911 1 10/22/99 00
0431638246 05 12/01/99 0
99004880 O 11/01/29
0
1951785 K15/G02 F 148,500.00 ZZ
360 148,349.43 4
1941 ALWILL STREET 9.375 1,235.15 90
9.125 1,235.15 165,000.00
LAS VEGAS NV 89106 1 09/21/99 14
0431588995 05 11/01/99 25
1745736 N 10/01/29
0
1951809 R95/G02 F 80,500.00 ZZ
360 80,500.00 1
6 WHISPER TRAIL 7.875 583.68 85
7.625 583.68 95,000.00
BELTON TX 76513 4 11/10/99 12
0431626621 05 01/01/00 12
0000 O 12/01/29
0
1951816 428/G02 F 361,000.00 ZZ
360 360,812.85 1
1328 RIDGE AVENUE 9.250 2,969.86 95
9.000 2,969.86 380,000.00
STAFFORD TWP NJ 08050 1 11/01/99 19
0431594191 05 12/01/99 30
2201501 O 11/01/29
0
1951827 F03/G02 F 107,400.00 ZZ
360 107,336.59 1
985 WINONA CIRCLE 8.625 835.35 80
8.375 835.35 134,300.00
LOVELAND CO 80537 1 10/22/99 00
0431601210 09 12/01/99 0
DEN13617 O 11/01/29
0
1951832 811/G02 F 278,000.00 ZZ
360 277,813.46 1
4620 HAMPTON FALLS PLACE #11 8.000 2,039.87 80
7.750 2,039.87 347,500.00
SAN JOSE CA 95136 1 10/22/99 00
0431590645 01 12/01/99 0
FM02213046 O 11/01/29
0
1
1951833 E11/G02 F 120,500.00 ZZ
360 120,432.45 1
1687 BAYARD AVENUE 8.875 958.75 90
8.625 958.75 133,900.00
ST PAUL MN 55116 1 10/29/99 12
0431590066 05 12/01/99 25
91014924 N 11/01/29
0
1951838 E11/G02 F 66,600.00 ZZ
360 66,561.69 1
4111 3RD STREET 8.750 523.94 90
8.500 523.94 74,000.00
MINNEAPOLIS MN 55418 1 10/28/99 12
0431590538 01 12/01/99 25
3001019063 O 11/01/29
0
1951849 964/G02 F 160,000.00 ZZ
360 159,907.95 1
9330 WAGONETTE WAY 8.750 1,258.72 72
8.500 1,258.72 225,000.00
PALO CEDRO CA 96073 2 10/13/99 00
0431589449 05 12/01/99 0
57438 O 11/01/29
0
1951851 964/G02 F 75,000.00 ZZ
360 74,956.85 1
35571 CRESTVIEW DRIVE 8.750 590.03 72
8.500 590.03 105,000.00
YUCAIPA CA 92399 1 10/01/99 00
0431589886 05 12/01/99 0
62912 O 11/01/29
0
1951862 K15/G02 F 364,000.00 ZZ
360 363,779.48 1
19671 HIGHBRIDGE WAY 8.500 2,798.85 80
8.250 2,798.85 455,000.00
TRABUCO CANYON CA 92679 5 10/08/99 00
0431591981 05 12/01/99 0
1972884 O 11/01/29
0
1951864 624/G02 F 499,950.00 ZZ
360 499,669.72 1
1
165 OBSERVATION DRIVE 8.875 3,977.83 80
8.625 3,977.83 630,000.00
TAHOE CITY CA 96145 1 10/21/99 00
0431590322 03 12/01/99 0
36800190726 O 11/01/29
0
1951891 624/G02 F 203,920.00 ZZ
360 203,920.00 1
4 CALANEVA DRIVE UNIT #7 8.125 1,514.10 80
7.875 1,514.10 254,900.00
CRYSTAL BAY NV 89402 1 11/09/99 00
0431628239 01 01/01/00 0
36800190713 O 12/01/29
0
1951923 573/G02 F 66,600.00 ZZ
360 66,563.62 1
3668 GARDEN DRIVE 9.000 535.88 90
8.750 535.88 74,000.00
LAS VEGAS NV 89121 1 10/21/99 12
0431593532 05 12/01/99 25
156045 O 11/01/29
0
1951938 225/225 F 168,750.00 ZZ
360 168,496.54 1
2224 SOUTH OGDEN STREET 9.000 1,357.81 75
8.750 1,357.81 225,000.00
DENVER CO 80210 1 09/30/99 00
7158010 05 11/01/99 0
7158010 O 10/01/29
0
1951941 225/225 F 300,000.00 ZZ
360 299,831.81 4
1920 CONGRESS CIRCLE #A B C D 8.875 2,386.94 90
8.625 2,386.94 335,000.00
ANCHORAGE AK 99507 1 09/28/99 11
7157393 03 12/01/99 25
7157393 O 11/01/29
0
1951944 225/225 F 157,500.00 ZZ
360 157,104.28 1
501 SOUTH EMMA AVENUE 8.375 1,197.12 75
8.125 1,197.12 210,000.00
VENTURA CA 93003 1 06/30/99 00
7135555 05 09/01/99 0
1
7135555 O 08/01/29
0
1951947 225/225 F 172,000.00 ZZ
360 171,660.15 1
RR#1 BOX 1501 8.125 1,277.10 74
7.875 1,277.10 235,000.00
CLIFTON TOWNSHI PA 18424 2 08/25/99 00
7150073 05 10/01/99 0
7150073 O 09/01/29
0
1951950 225/225 F 86,400.00 ZZ
360 86,305.25 1
14414 S KILPATRICK AVENUE 9.000 695.20 79
8.750 695.20 110,000.00
MIDLOTHIAN IL 60445 1 09/15/99 00
7156106 05 11/01/99 0
7156106 O 10/01/29
0
1951953 225/225 F 376,800.00 ZZ
360 376,565.79 1
4192 SILLIMAN DRIVE 8.375 2,863.96 80
8.125 2,863.96 471,000.00
HUNTINGTON BEAC CA 92649 1 09/29/99 00
7158353 05 12/01/99 0
7158353 O 11/01/29
0
1951954 225/225 F 118,400.00 ZZ
360 118,343.28 3
85 ELM STREET 9.625 1,006.39 80
9.375 1,006.39 148,000.00
WEST HAVEN CT 06516 5 10/14/99 00
7158215 05 12/01/99 0
7158215 N 11/01/29
0
1951957 225/225 F 72,800.00 ZZ
360 72,602.65 1
3114 DWARF PINE AVE 8.000 534.18 80
7.750 534.18 91,000.00
WINTER PARK FL 32792 1 07/16/99 00
8772990 05 09/01/99 0
8772990 O 08/01/29
0
1
1951971 225/225 F 102,800.00 ZZ
360 102,681.27 1
2165 FOREST GATE DRIVE WEST 8.750 808.73 80
8.500 808.73 128,500.00
JACKSONVILLE FL 32246 1 09/17/99 00
8777638 03 11/01/99 0
8777638 O 10/01/29
0
1951974 225/225 F 150,000.00 ZZ
360 149,660.54 1
4882 ESCOBEDO DRIVE 8.375 1,140.11 62
8.125 1,140.11 242,000.00
WOODLAND HILLS CA 91364 5 08/04/99 00
7149163 05 10/01/99 0
7149163 O 09/01/29
0
1951976 225/225 F 132,000.00 ZZ
360 131,855.24 1
5315 CORK OAK STREET 9.000 1,062.11 75
8.750 1,062.11 176,000.00
SARASOTA FL 34232 5 09/14/99 00
7153392 03 11/01/99 0
7153392 O 10/01/29
0
1951978 225/225 F 172,000.00 ZZ
360 171,599.81 1
14120 CITATION LANE 8.750 1,353.13 80
8.500 1,353.13 215,000.00
PEYTON CO 80831 1 07/28/99 00
7144521 05 09/01/99 0
7144521 O 08/01/29
0
1951979 225/225 F 146,800.00 ZZ
360 145,814.44 1
2420 MAJOR ANDERSON DRIVE 8.500 1,128.77 80
8.250 1,128.77 185,000.00
GEORGETOWN CO 80444 1 07/12/99 00
7144372 01 09/01/99 0
7144372 O 08/01/29
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7156166 01 11/01/99 0
7156166 N 10/01/29
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7146841 O 09/01/29
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7132428 O 08/01/29
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IRVINE CA 92720 5 07/14/99 00
7146312 03 09/01/99 0
7146312 O 08/01/29
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1952012 O 12/01/29
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7152250 N 10/01/29
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HERMOSA BEACH CA 90254 5 08/19/99 00
7150667 01 10/01/99 0
7150667 O 09/01/29
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0431640796 05 01/01/00 0
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WEATHERFORD TX 76086 1 10/07/99 01
0431631316 05 12/01/99 25
1748698 N 11/01/29
0
1952043 225/225 F 151,000.00 ZZ
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1
8505 122ND ST E 8.125 1,121.18 80
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PUYALLUP WA 98373 1 07/28/99 00
7148524 05 09/01/99 0
7148524 O 08/01/29
0
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7156171 01 11/01/99 0
7156171 N 10/01/29
0
1952048 225/225 F 140,000.00 ZZ
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MOORESVILLE NC 28115 1 09/29/99 00
9999999999 05 11/01/99 0
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7154550 01 10/01/99 0
7154550 O 09/01/29
0
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765 NORTH WIND TERRACE 8.500 2,132.28 80
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ROSWELL GA 30075 1 09/27/99 00
7154186 03 11/01/99 0
7154186 O 10/01/29
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9999999999 05 11/01/99 0
1
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7156454 03 11/01/99 0
7156454 O 10/01/29
0
1952118 225/225 F 83,550.00 ZZ
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SEGUIN TX 78155 1 07/23/99 12
7148179 05 09/01/99 25
7148179 N 08/01/29
0
1952120 225/225 F 198,750.00 ZZ
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CHICAGO IL 60626 5 08/27/99 00
7151534 05 10/01/99 0
7151534 O 09/01/29
0
1952121 225/225 F 210,000.00 ZZ
360 209,757.46 1
2632 WEST RIO LOBO DRIVE 8.750 1,652.08 66
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SAINT GEORGE UT 84770 1 09/14/99 00
7151110 03 11/01/99 0
7151110 O 10/01/29
0
1952124 225/225 F 60,750.00 ZZ
360 60,599.91 1
227 MERRICK 8.750 477.93 90
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SHREVEPORT LA 71104 1 07/14/99 14
7138449 05 09/01/99 25
7138449 N 08/01/29
0
1
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DULUTH MN 55807 1 08/25/99 00
7153705 05 10/01/99 0
7153705 N 09/01/29
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1952132 225/225 F 289,600.00 ZZ
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1549 CHERRY STREET #A B C D 8.875 2,304.19 80
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PLACENTIA CA 92870 1 07/20/99 00
7145227 05 09/01/99 0
7145227 N 08/01/29
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1952134 225/225 F 80,500.00 ZZ
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7150634 05 11/01/99 0
7150634 N 10/01/29
0
1952137 225/225 F 40,000.00 ZZ
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DENVER CO 80207 5 09/16/99 00
7156173 01 11/01/99 0
7156173 N 10/01/29
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1952139 225/225 F 100,700.00 ZZ
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DENVER CO 80203 5 08/27/99 00
7153779 01 10/01/99 0
7153779 O 09/01/29
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1952140 225/225 F 79,200.00 ZZ
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KENNESAW GA 30144 2 08/23/99 00
7151638 05 10/01/99 0
7151638 O 09/01/29
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1952147 225/225 F 47,600.00 ZZ
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MIAMI FL 33183 1 07/16/99 00
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1952151 225/225 F 112,000.00 ZZ
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MAHOPAC NY 10541 2 08/13/99 00
7125208 05 10/01/99 0
7125208 O 09/01/29
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1952154 225/225 F 40,000.00 ZZ
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DENVER CO 80207 5 09/16/99 00
7156175 01 11/01/99 0
7156175 N 10/01/29
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1952157 225/225 F 135,000.00 ZZ
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DENVER CO 80206 1 09/20/99 11
7156805 05 11/01/99 25
7156805 N 10/01/29
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1952163 A33/G02 F 103,400.00 ZZ
360 103,342.03 1
0-420 FENNESSY ST SW 8.875 822.70 90
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WALKER MI 49544 1 10/22/99 04
0431631910 05 12/01/99 25
774081438 O 11/01/29
0
1
1952166 225/225 F 77,200.00 ZZ
360 77,103.69 1
116 BLACKMAN STREET 8.375 586.78 80
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NAGS HEAD NC 27954 1 09/09/99 00
8775908 05 11/01/99 0
8775908 O 10/01/29
0
1952167 225/225 F 199,000.00 ZZ
360 198,751.74 1
3 DEER POND TRAIL 8.375 1,512.55 75
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HAMDEN CT 06518 1 09/15/99 00
7146862 05 11/01/99 0
7146862 O 10/01/29
0
1952168 225/225 F 131,600.00 ZZ
360 131,269.35 1
4158 LARCH AVENUE 8.375 1,000.26 75
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PALM BEACH GARD FL 33418 1 07/14/99 00
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714383300 O 08/01/29
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MERIDEN CT 06450 1 07/29/99 14
7145693 05 09/01/99 25
7145693 N 08/01/29
0
1952171 225/225 F 68,200.00 ZZ
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ARLINGTON TX 76017 1 07/17/99 00
712508600 05 09/01/99 0
712508600 O 08/01/29
0
1952172 225/225 F 60,590.00 ZZ
360 60,473.27 1
1
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DEARBORN MI 48126 1 07/22/99 11
7137899 05 09/01/99 12
7137899 N 08/01/29
0
1952198 455/G02 F 138,600.00 ZZ
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1410 BRANDY SHOALS ROAD 8.875 1,102.77 70
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CONYERS GA 30013 1 10/29/99 00
0431593151 05 12/01/99 0
86534 O 11/01/29
0
1952249 F18/G02 F 236,000.00 ZZ
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OAKLAND CA 94609 5 10/28/99 00
0431606805 05 12/01/99 0
R02238 N 11/01/29
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1952272 940/G02 F 248,000.00 ZZ
360 247,857.31 1
39450 AVENIDA BIZARO 8.750 1,951.02 80
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MURRIETA CA 92562 1 10/28/99 00
0431619162 05 12/01/99 0
RV1042 O 11/01/29
0
1952294 K15/G02 F 154,800.00 ZZ
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0431602200 05 12/01/99 25
3001695 O 11/01/29
0
1952312 S99/G02 F 100,000.00 ZZ
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ORO VALLEY AZ 85737 1 11/01/99 00
0431651702 01 01/01/00 0
1
1526 N 12/01/29
0
1952329 K15/G02 F 147,200.00 ZZ
360 147,125.66 4
2805 A, B, C, &D TULLY ROAD 9.375 1,224.34 80
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MODESTO CA 95350 1 10/12/99 00
0431608215 05 12/01/99 0
1800283 N 11/01/29
0
1952333 420/G02 F 44,000.00 ZZ
360 43,972.64 1
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BENICIA CA 94510 1 10/18/99 00
0431594332 01 12/01/99 0
429142 N 11/01/29
0
1952348 140/G02 F 56,250.00 ZZ
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FLORENCE AL 35630 5 11/18/99 00
0431655612 05 01/01/00 0
455407 O 12/01/29
0
1952403 225/225 F 500,000.00 ZZ
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5022 DOMAN AVENUE 8.625 3,888.95 77
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TARZANA AREA CA 91356 1 08/20/99 00
7151658 05 10/01/99 0
7151658 O 09/01/29
0
1952404 225/225 F 324,000.00 ZZ
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7316 BRADLEY BOULEVARD 8.625 2,520.04 80
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BETHESDA MD 20817 1 08/30/99 00
8775899 05 10/01/99 0
8775899 O 09/01/29
0
1
1952405 225/225 F 229,000.00 ZZ
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214 NORTH 1160 WEST 8.625 1,781.14 79
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SAINT GEORGE UT 84770 2 08/04/99 00
7147498 05 10/01/99 0
7147498 O 09/01/29
0
1952406 225/225 F 214,000.00 ZZ
360 213,587.77 1
2912 LADOGA AVENUE 8.250 1,607.72 80
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LONG BEACH CA 90815 1 08/16/99 00
7147282 05 10/01/99 0
7147282 O 09/01/29
0
1952407 225/225 F 269,000.00 ZZ
360 268,464.42 1
3026 EAST OAK SIDE CIRCLE 9.500 2,261.90 80
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SALT LAKE CITY UT 84121 1 08/03/99 00
7149086 05 09/01/99 0
7149086 N 08/01/29
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1952409 225/225 F 68,800.00 ZZ
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108 STONELEIGH AVENUE 8.250 516.88 80
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CAARMEL NY 10512 1 09/08/99 00
7148101 01 11/01/99 0
7148101 O 10/01/29
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1952411 225/225 F 330,000.00 ZZ
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3245 RIDGECREST DRIVE 8.500 2,537.42 74
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POLLOCK PINES CA 95726 5 08/31/99 00
7152667 05 11/01/99 0
7152667 O 10/01/29
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1952412 225/225 F 199,900.00 ZZ
360 197,955.48 1
3 MAYFLOWER ROAD 8.375 1,519.39 65
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NORWALK CT 06851 1 07/08/99 00
7145365 05 09/01/99 0
7145365 O 08/01/29
0
1952415 225/225 F 123,200.00 ZZ
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FARMINGVILLE NY 11738 1 09/27/99 00
7153164 05 11/01/99 0
7153164 O 10/01/29
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1952456 731/G02 F 146,250.00 ZZ
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JENSEN BEACH FL 34957 1 10/19/99 00
0431620319 05 12/01/99 0
412130824 O 11/01/29
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1952467 K15/G02 F 266,000.00 ZZ
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CANOGA PARK CA 91306 2 09/17/99 00
0431611839 05 11/01/99 0
1693308 O 10/01/29
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1952470 B57/G02 F 440,000.00 ZZ
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0431622042 05 12/01/99 0
9914035 O 11/01/29
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1952481 K15/G02 F 107,600.00 ZZ
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SPRING VALLEY CA 91977 1 10/20/99 00
0431603042 05 12/01/99 0
3000997 O 11/01/29
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1
1952487 K15/G02 F 152,000.00 ZZ
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21820 BLUE HORIZON COURT 8.750 1,195.78 80
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SMARTSVILLE CA 95946 2 10/18/99 00
0431631811 05 12/01/99 0
1748293 O 11/01/29
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1952499 828/G02 F 208,000.00 ZZ
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THE COLONY TX 75056 2 11/12/99 00
0431646355 05 01/01/00 0
97260026 N 12/01/29
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1952512 A75/G02 F 733,000.00 ZZ
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TARPON SPRINGS FL 34689 2 11/24/99 00
0431664523 05 01/01/00 0
1000022127 O 12/01/29
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1952528 B23/G02 F 340,000.00 ZZ
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SANTA CLARITA CA 91351 1 11/22/99 00
0431658517 05 01/01/00 0
88003669 O 12/01/29
0
1952535 N24/G02 F 202,600.00 ZZ
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ELIZABETH CO 80107 2 11/16/99 00
0431650373 05 01/01/00 0
VANCLEAVE O 12/01/29
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1952570 664/G02 F 62,000.00 ZZ
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HOOD RIVER OR 97031 5 10/13/99 00
0431596006 05 12/01/99 0
3109055 N 11/01/29
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1952578 B37/G02 F 99,900.00 ZZ
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7152 NICOLE PLACE 8.750 785.91 67
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DALLLAS TX 75252 1 11/01/99 00
0431629286 05 12/01/99 0
0381480 O 11/01/29
0
1952618 B57/G02 F 76,500.00 ZZ
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BAKERSFIELD CA 93309 1 10/11/99 14
0431608504 05 12/01/99 25
9913587 N 11/01/29
0
1952622 637/G02 F 83,200.00 ZZ
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0431648161 05 12/01/99 25
12916466 N 11/01/29
0
1952627 225/225 F 156,000.00 ZZ
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HIGHLAND PARK IL 60035 2 07/27/99 00
714735700 05 09/01/99 0
714735700 O 08/01/29
0
1952632 225/225 F 148,000.00 ZZ
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TUCSON AZ 85735 1 09/01/99 00
715117700 05 11/01/99 0
1
715117700 O 10/01/29
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1952637 637/G02 F 72,900.00 ZZ
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0431606979 05 12/01/99 25
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0431604842 05 12/01/99 0
19037928 O 11/01/29
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1952642 225/225 F 125,200.00 ZZ
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HIGHLAND CA 92346 1 08/20/99 00
714716900 03 10/01/99 0
714716900 O 09/01/29
0
1952646 225/225 F 144,000.00 ZZ
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441 SOUTH PINE STREET 9.375 1,197.72 90
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715521400 07 11/01/99 25
715521400 N 10/01/29
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1952650 G44/G02 F 64,000.00 ZZ
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0431624253 05 12/01/99 25
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1
1952653 637/G02 F 135,000.00 ZZ
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CLARKSTON GA 30021 1 10/22/99 10
0431603109 07 12/01/99 25
12059432 N 11/01/29
0
1952659 225/225 F 109,800.00 ZZ
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MERIDEN CT 06450 1 08/19/99 14
714966000 07 10/01/99 25
714966000 N 09/01/29
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1952663 225/225 F 304,300.00 ZZ
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1555 CHERRY STREET #A B C & D 8.750 2,393.93 85
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PLACENTIA CA 92870 1 07/20/99 11
714776300 07 09/01/99 12
714776300 O 08/01/29
0
1952669 225/225 F 284,000.00 ZZ
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24402 VIA SANTA CLARA 8.500 2,183.72 80
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MISSION VIEJO CA 92692 1 08/10/99 00
714651200 05 10/01/99 0
714651200 O 09/01/29
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1952672 225/225 F 148,450.00 ZZ
360 147,914.33 4
515 2ND STREET 9.125 1,207.84 90
UNITS 1 2 3 & 4 8.875 1,207.84 165,000.00
BANNING CA 92220 1 07/20/99 11
714586400 05 09/01/99 30
714586400 N 08/01/29
0
1952673 K15/G02 F 270,000.00 ZZ
360 269,867.19 2
5727 NORTH ELSTON AVENUE 9.500 2,270.31 90
9.250 2,270.31 300,000.00
1
CHICAGO IL 60646 1 10/14/99 11
0431631720 05 12/01/99 25
3000058 N 11/01/29
0
1952678 225/225 F 236,000.00 ZZ
360 235,713.04 1
205 NW E STREET 8.500 1,814.64 80
8.250 1,814.64 295,000.00
GRANTS PASS OR 97526 2 09/10/99 00
715483800 05 11/01/99 0
715483800 O 10/01/29
0
1952681 K15/G02 F 72,450.00 ZZ
360 72,408.32 1
10610 S 48TH STREET #2076 8.750 569.96 90
8.500 569.96 80,500.00
PHOENIX AZ 85044 1 10/22/99 01
0431631670 01 12/01/99 25
3001378 O 11/01/29
0
1952684 225/225 F 216,000.00 ZZ
360 215,624.43 1
3243 33RD AVE S 8.750 1,699.28 80
8.500 1,699.28 270,000.00
SEATTLE WA 98144 2 08/03/99 00
714916200 05 10/01/99 0
714916200 O 09/01/29
0
1952688 225/225 F 102,000.00 ZZ
360 101,942.81 1
9907 SEAPOINTE BLVD 8.875 811.56 75
UNIT 114 8.625 811.56 136,000.00
LOWER TOWNSHIP NJ 08260 1 10/14/99 00
715709200 01 12/01/99 0
715709200 O 11/01/29
0
1952694 225/225 F 50,400.00 ZZ
360 50,351.51 2
3100-3102 TOULOUSE STREET 9.625 428.40 90
9.375 428.40 56,000.00
NEW ORLEANS LA 70119 1 09/17/99 14
715577800 05 11/01/99 25
715577800 N 10/01/29
0
1
1952701 225/225 F 31,050.00 ZZ
360 30,981.38 1
8755 SIELOFF DRIVE F 9.000 249.84 90
8.750 249.84 34,500.00
HAZELWOOD MO 63042 1 07/21/99 11
714657700 01 09/01/99 25
714657700 N 08/01/29
0
1952703 964/G02 F 640,000.00 ZZ
360 639,668.21 1
5300 ALTA CANYADA ROAD 9.250 5,265.12 80
9.000 5,265.12 800,000.00
LA CANADA-FLINT CA 91011 5 10/28/99 00
0431624477 05 12/01/99 0
66322 O 11/01/29
0
1952706 225/225 F 377,500.00 ZZ
360 377,265.36 1
31661 THIRD AVENUE 8.375 2,869.28 77
8.125 2,869.28 495,000.00
LAGUNA BEACH CA 92651 2 10/14/99 00
716029600 05 12/01/99 0
716029600 O 11/01/29
0
1952708 E30/G02 F 335,800.00 ZZ
360 335,601.74 1
21 VIA PALACIO 8.625 2,611.82 80
8.375 2,611.82 419,820.00
SAN CLEMENTE CA 92673 1 10/26/99 00
0431597988 03 12/01/99 0
I990042RL O 11/01/29
0
1952710 225/225 F 288,000.00 ZZ
360 287,499.26 1
2140 VIA TECA 8.750 2,265.70 90
8.500 2,265.70 320,000.00
SAN CLEMENTE CA 92673 2 08/06/99 11
715019200 01 10/01/99 25
715019200 O 09/01/29
0
1952714 225/225 F 199,950.00 ZZ
360 199,166.82 4
1
82-88 BALDWIN DRIVE 9.250 1,644.94 80
9.000 1,644.94 250,000.00
PUEBLO CO 81007 2 08/24/99 00
715003300 05 10/01/99 0
715003300 N 09/01/29
0
1952718 225/225 F 81,000.00 ZZ
360 80,834.44 3
27 NORTH STREET 9.375 673.72 90
9.125 673.72 90,000.00
MERIDEN CT 06450 1 07/29/99 14
714569400 05 09/01/99 25
714569400 N 08/01/29
0
1952722 225/225 F 45,000.00 ZZ
360 44,802.58 3
1256-1258 WORCESTER STREET 9.000 362.09 90
8.750 362.09 50,000.00
SPRINGFIELD MA 01151 1 08/10/99 14
714648200 05 10/01/99 25
714648200 N 09/01/29
0
1952732 225/225 F 100,000.00 ZZ
360 99,812.21 1
630 WEST PALM AVENUE 8.375 760.08 65
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ORANGE CA 92868 2 08/20/99 00
715289700 09 10/01/99 0
715289700 O 09/01/29
0
1952734 225/225 F 295,900.00 ZZ
360 295,013.78 1
510 KATHRYN COURT 8.250 2,223.00 80
8.000 2,223.00 369,900.00
NIPOMO CA 93444 1 09/02/99 00
714796100 03 11/01/99 0
714796100 O 10/01/29
0
1952735 K15/G02 F 110,000.00 ZZ
360 109,941.46 1
1197 WEST ARMSTRONG ROAD 9.125 895.00 60
8.875 895.00 185,000.00
LODI CA 95242 5 10/25/99 00
0431623099 05 12/01/99 0
1
3001167 O 11/01/29
0
1952739 225/225 F 108,000.00 ZZ
360 107,426.10 3
48 JAMES STREET 9.250 888.49 90
9.000 888.49 120,000.00
ATTLEBORO MA 02703 1 08/27/99 11
715258200 05 10/01/99 25
715258200 N 09/01/29
0
1952742 K15/G02 F 196,000.00 ZZ
360 195,890.12 1
9292 CAMPO ROAD 8.875 1,559.46 80
8.625 1,559.46 245,000.00
SPRING VALLEY CA 91977 1 10/25/99 00
0431623040 05 12/01/99 0
3001338 O 11/01/29
0
1952744 225/225 F 178,200.00 ZZ
360 177,994.19 1
14 WARD STREET 8.750 1,401.91 70
8.500 1,401.91 255,000.00
MILFORD CT 06460 2 09/20/99 00
715536600 05 11/01/99 0
715536600 O 10/01/29
0
1952746 K15/G02 F 192,000.00 ZZ
360 191,883.69 1
6710 19TH AVENUE NORTHEAST 8.500 1,476.31 80
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MARYSVILLE WA 98271 5 10/26/99 00
0431623156 05 12/01/99 0
3001561 O 11/01/29
0
1952747 225/225 F 84,000.00 ZZ
360 83,857.65 3
2307 GARRISON BOULEVARD 8.875 668.35 78
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BALTIMORE MD 21216 1 08/13/99 00
714753200 05 10/01/99 0
714753200 N 09/01/29
0
1
1952749 K15/G02 F 360,000.00 ZZ
360 359,770.44 1
4306 GRAND AVENUE 8.250 2,704.56 80
8.000 2,704.56 450,000.00
WESTERN SPRINGS IL 60558 1 11/01/99 00
0431623164 05 12/01/99 0
3001775 O 11/01/29
0
1952753 K15/G02 F 191,200.00 ZZ
360 191,078.08 1
1643 BEAVER STREET 8.250 1,436.42 80
8.000 1,436.42 239,000.00
SANTA ROSA CA 95404 1 10/25/99 00
0431623131 05 12/01/99 0
3001260 O 11/01/29
0
1952827 R86/G02 F 102,000.00 ZZ
360 102,000.00 1
1427 EAST BEACON DRIVE 8.500 784.29 85
8.250 784.29 120,000.00
GILBERT AZ 85234 1 11/18/99 10
0431671593 03 01/01/00 25
991597 N 12/01/29
0
1952883 R86/G02 F 97,600.00 ZZ
360 97,600.00 1
92 SOUTH CYPRESS COURT 8.500 750.46 80
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CHANDLER AZ 85226 1 11/18/99 00
0431671544 03 01/01/00 0
991598 N 12/01/29
0
1952899 940/G02 F 201,500.00 ZZ
360 201,384.06 1
30264 PUERTO VALLARTA WAY 8.750 1,585.21 65
8.500 1,585.21 310,000.00
MENIFEE CA 92584 5 10/21/99 00
0431601483 05 12/01/99 0
WH1227 O 11/01/29
0
1952935 637/G02 F 154,400.00 ZZ
360 154,301.54 1
7106 KENNETH AVENUE 8.250 1,159.96 80
8.000 1,159.96 193,000.00
1
ORANGEVALE CA 95662 1 10/20/99 00
0431609254 05 12/01/99 0
0010884922 O 11/01/29
0
1952945 163/G02 F 179,900.00 ZZ
360 179,796.49 1
8 DEERFIELD ST 8.750 1,415.28 80
8.500 1,415.28 224,900.00
QUINCY MA 02171 1 10/27/99 00
0431620046 05 12/01/99 0
1000178899 O 11/01/29
0
1952947 687/G02 F 56,700.00 ZZ
360 56,671.37 1
7669 E ARBORY COURT 9.375 471.60 90
9.125 471.60 63,000.00
LAUREL MD 20707 1 10/18/99 11
0431609353 01 12/01/99 25
9909290025 N 11/01/29
0
1952956 A52/G02 F 80,000.00 ZZ
360 80,000.00 1
2883 KNOLLVIEW DRIVE 8.500 615.13 80
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DECATUR GA 30034 5 11/08/99 00
0431609411 05 01/01/00 0
9672 O 12/01/29
0
1952962 F32/G02 F 74,250.00 ZZ
360 74,250.00 1
139 LAUREL AVENUE 9.000 597.43 90
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ATLANTA GA 30314 1 11/02/99 12
0431605096 05 01/01/00 25
407045248 N 12/01/29
0
1952970 K15/G02 F 90,900.00 ZZ
360 90,847.70 1
5257 W BOSTON WAY 8.750 715.11 90
8.500 715.11 101,000.00
CHANDLER AZ 85226 1 10/22/99 01
0431624436 03 12/01/99 25
3001374 N 11/01/29
0
1
1952974 F32/G02 F 223,200.00 ZZ
360 223,093.07 1
2700 ANTIOCH RD BLDG C 9.625 1,897.18 90
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CUMMING GA 30040 1 11/03/99 12
0431611599 07 12/01/99 25
405131313 N 11/01/29
0
1952978 K15/G02 F 372,600.00 ZZ
360 372,396.48 1
5552 5554 5556 5558 KINSTON 9.000 2,998.02 90
AVENUE 8.750 2,998.02 414,000.00
CULVER CITY CA 90230 1 10/27/99 11
0431622992 05 12/01/99 25
3001760 O 11/01/29
0
1952995 P59/G02 F 54,000.00 ZZ
360 53,968.93 1
117 PEARWOOD AVENUE 8.750 424.82 29
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ARROYO GRANDE CA 93420 5 10/28/99 00
0431624238 05 12/01/99 0
99186741 N 11/01/29
0
1952998 B60/G02 F 158,000.00 ZZ
360 157,904.29 1
2309 AND 2311 TEVIOT STREET 8.500 1,214.88 56
8.250 1,214.88 285,000.00
LOS ANGELES CA 90039 5 10/11/99 00
0431606516 05 12/01/99 0
277199 N 11/01/29
0
1953020 129/G02 F 135,200.00 ZZ
360 135,115.96 1
8270 N HAYDEN RD #2051 8.375 1,027.62 80
8.125 1,027.62 169,000.00
SCOTTSDALE AZ 85258 1 10/21/99 00
0431641919 05 12/01/99 0
3500428358 O 11/01/29
0
1953049 M12/G02 F 54,540.00 ZZ
360 54,540.00 1
1
4201 E VALENTINE STREET 9.750 468.58 90
9.500 468.58 60,600.00
TUCSON AZ 85711 1 11/04/99 10
0431621382 05 01/01/00 25
DM377 N 12/01/29
0
1953059 638/G02 F 123,300.00 ZZ
360 123,227.21 1
8917 CAROUSEL 8.625 959.01 90
8.375 959.01 137,000.00
HOUSTON TX 77080 1 10/11/99 10
0431622711 05 12/01/99 25
99999999 O 11/01/29
0
1953109 R86/G02 F 105,750.00 ZZ
360 105,750.00 1
6645 WEST CARIBE LANE 9.125 860.42 75
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GLENDALE AZ 85306 1 11/12/99 00
0431646595 03 01/01/00 0
991590 O 12/01/29
0
1953111 L86/G02 F 190,000.00 ZZ
360 190,000.00 1
2255 MADISON STREET 8.500 1,460.94 47
8.250 1,460.94 405,000.00
CAMBRIA CA 93428 5 11/16/99 00
0431652643 05 01/01/00 0
20501865 O 12/01/29
0
1953118 G18/G02 F 92,700.00 ZZ
360 92,700.00 2
1711 SECOND STREET NORTHEAST 9.000 745.89 90
8.750 745.89 103,000.00
MINNEAPOLIS MN 55413 1 11/15/99 12
0431640713 05 01/01/00 25
9901500 N 12/01/29
0
1953153 J86/G02 F 202,500.00 ZZ
360 202,500.00 3
109 ISLAND AVENUE 9.500 1,702.73 90
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SEASIDE PARK NJ 08752 1 12/01/99 12
0431665306 05 01/01/00 25
1
11963 N 12/01/29
0
1953157 140/G02 F 73,800.00 ZZ
360 73,800.00 2
413-415 PIERRE 9.125 600.46 90
8.875 600.46 82,000.00
CHALMETTE LA 70043 1 11/19/99 01
0431665660 05 01/01/00 25
454774 N 12/01/29
0
1953170 129/G02 F 135,000.00 ZZ
360 134,922.33 1
5019 N 86TH PLACE 8.750 1,062.05 75
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SCOTTSDALE AZ 85250 2 10/22/99 00
0431630961 05 12/01/99 0
99999999999 O 11/01/29
0
1953181 F18/G02 F 262,000.00 ZZ
360 261,638.19 1
124 VILLAGE LANE 7.875 1,899.69 78
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DALY CITY CA 94015 5 10/25/99 00
0431620061 05 11/01/99 0
R02097 O 10/01/29
0
1953210 R53/G02 F 131,200.00 ZZ
360 131,200.00 2
18 WINDEMERE WAY 8.625 1,020.47 80
8.375 1,020.47 164,000.00
COLCHESTER VT 05446 5 12/01/99 00
0431658871 05 01/01/00 0
SINKEWICZ N 12/01/29
0
1953219 964/G02 F 100,000.00 ZZ
360 99,939.42 1
10554 ROXBOROUGH DRIVE 8.500 768.91 46
8.250 768.91 219,900.00
LITTLETON CO 80125 1 11/01/99 00
0431610500 01 12/01/99 0
66440 O 11/01/29
0
1
1953224 F32/G02 F 219,600.00 ZZ
360 219,494.79 4
2700 ANTIOCH ROAD 9.625 1,866.58 90
BUILDING B 9.375 1,866.58 244,000.00
CUMMING GA 30040 1 11/03/99 12
0431609379 07 12/01/99 25
405132147 N 11/01/29
0
1953231 A52/G02 F 140,000.00 ZZ
360 140,000.00 1
2255 SHASTA WAY 8.125 1,039.50 56
7.875 1,039.50 254,000.00
ATLANTA GA 30345 5 11/04/99 00
0431617919 05 01/01/00 0
000 O 12/01/29
0
1953244 144/144 F 88,000.00 ZZ
360 87,700.83 1
ROUTE 44 8.000 645.71 80
7.750 645.71 110,000.00
PLEASANT VALLEY NY 12569 1 06/24/99 00
000 05 08/01/99 0
000 O 07/01/29
0
1953253 144/144 F 180,000.00 ZZ
360 179,635.23 1
150 GOOSE CREEK LANE EXT 8.000 1,320.78 50
7.750 1,320.78 365,000.00
SOUTHOLD NY 11971 5 08/11/99 00
160624726 05 10/01/99 0
160624726 O 09/01/29
0
1953303 E11/G02 F 58,500.00 ZZ
360 58,468.05 1
3925 S 21ST AVENUE 9.000 470.70 90
8.750 470.70 65,000.00
MINNEAPOLIS MN 55407 1 11/05/99 12
0431621945 05 12/01/99 25
0002001018533 N 11/01/29
0
1953329 183/G02 F 102,000.00 ZZ
360 101,887.90 1
485 CAYUGA CREEK RD 8.990 819.99 56
8.740 819.99 183,000.00
1
CHEEKTOWAGA NY 14227 5 10/19/99 00
0431666445 05 11/25/99 0
800192265 O 10/25/29
0
1953333 964/G02 F 500,000.00 ZZ
360 500,000.00 1
6948 IRON OAK DRIVE 8.125 3,712.49 75
7.875 3,712.49 675,000.00
BAKERSFIELD CA 93312 5 10/29/99 00
0431612803 03 01/01/00 0
66763 O 12/01/29
0
1953415 L16/G02 F 261,000.00 ZZ
360 261,000.00 1
1167 EAST MURDOCK DRIVE 9.250 2,147.18 90
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AMERICAN FORK UT 84003 2 11/05/99 10
0431614106 03 01/01/00 25
99100032 O 12/01/29
0
1953548 F32/G02 F 249,300.00 ZZ
360 249,300.00 1
2295 SHENANDOAH AVENUE 9.375 2,073.55 90
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ATLANTA GA 30305 1 11/05/99 14
0431612407 05 01/01/00 25
409135328 N 12/01/29
0
1953590 F18/G02 F 96,000.00 ZZ
360 95,935.58 1
103 S 42ND STREET 8.000 704.42 80
7.750 704.42 120,000.00
RICHMOND CA 94804 2 10/15/99 00
0431614478 05 12/01/99 0
R02222 N 11/01/29
0
1953592 624/G02 F 82,150.00 ZZ
360 82,102.74 1
1912 LA TIJERA COURT 8.750 646.27 95
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OCEANO CA 93445 1 10/22/99 01
0431654649 01 12/01/99 30
72005590163 O 11/01/29
0
1
1953608 369/G02 F 108,000.00 ZZ
360 107,893.32 4
3814 N 15TH AVENUE 9.500 908.13 90
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PHOENIX AZ 85015 1 09/13/99 01
0431627439 05 11/01/99 25
71700553 N 10/01/29
0
1953614 369/G02 F 108,000.00 ZZ
360 107,893.32 4
3808 N 15TH AVENUE 9.500 908.13 90
9.250 908.13 120,000.00
PHOENIX AZ 85015 1 09/13/99 01
0431627462 05 11/01/99 25
0071635056 N 10/01/29
0
1953617 369/G02 F 216,000.00 ZZ
360 215,775.18 1
6210 BENBROOKE DRIVE 9.250 1,776.98 80
9.000 1,776.98 270,000.00
ACWORTH GA 30101 1 09/27/99 00
0431627207 03 11/01/99 0
0071771828 O 10/01/29
0
1953621 369/G02 F 50,400.00 ZZ
360 50,375.85 2
1301 1303 N COLORADO 9.625 428.40 90
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INDIANAPOLIS IN 46201 1 10/21/99 14
0431627496 05 12/01/99 25
0071768352 N 11/01/29
0
1953624 369/G02 F 50,000.00 ZZ
360 49,975.40 4
164 W PECOS RD 9.500 420.43 44
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CHANDLER AZ 85224 2 10/18/99 00
0431627504 05 12/01/99 0
0071821128 N 11/01/29
0
1953629 369/G02 F 40,500.00 ZZ
360 40,454.41 1
1
95 2057 WAIKALANI PLACE 8.875 322.24 87
C206 8.625 322.24 47,000.00
MILILANI HI 96789 1 09/28/99 12
0431627405 01 11/01/99 25
71747422 N 10/01/29
0
1953632 369/G02 F 142,500.00 ZZ
360 142,339.65 1
8633 W INDORE PLACE 8.875 1,133.79 75
8.625 1,133.79 190,000.00
LITTLEON CO 80128 1 09/22/99 00
0431631274 03 11/01/99 0
0071792923 O 10/01/29
0
1953637 369/G02 F 80,000.00 ZZ
360 79,864.44 1
2201 COMO ST 8.875 636.52 80
8.625 636.52 100,000.00
HIDALGO TX 78557 2 08/23/99 00
0431627421 05 10/01/99 0
0071701882 O 09/01/29
0
1953638 369/G02 F 111,900.00 ZZ
360 111,832.20 1
2240 E MONONA DRIVE 8.500 860.42 76
8.250 860.42 149,000.00
PHOENIX AZ 85024 1 10/06/99 00
0431627520 03 12/01/99 0
0071803902 O 11/01/29
0
1953641 369/G02 F 51,800.00 ZZ
360 51,735.38 1
7866 HUNTERS PATH 8.375 393.72 70
8.125 393.72 75,000.00
INDIANAPOLIS IN 46214 2 10/04/99 00
0431626746 09 11/01/99 0
0071786107 N 10/01/29
0
1953643 369/G02 F 86,400.00 ZZ
360 86,297.59 1
1225 W KEATS 8.625 672.02 80
8.375 672.02 108,000.00
MESA AZ 85202 1 09/23/99 00
0431627215 03 11/01/99 0
1
71768998 O 10/01/29
0
1953646 369/G02 F 88,550.00 ZZ
360 88,505.28 1
93 SUSSEX STREET 9.375 736.52 70
UNIT 1 9.125 736.52 127,000.00
REHOBOTH BEACH DE 19971 1 10/11/99 00
0431627512 01 12/01/99 0
71806558 O 11/01/29
0
1953647 369/G02 F 151,200.00 ZZ
360 151,046.68 1
7323-25 S CANTON AVENUE 9.375 1,257.61 90
9.125 1,257.61 168,000.00
TULSA OK 74136 1 09/15/99 12
0431630854 05 11/01/99 25
0071707392 O 10/01/29
0
1953648 369/G02 F 224,000.00 ZZ
360 223,874.42 1
2700 WEXFORD LANE 8.875 1,782.25 80
8.625 1,782.25 281,000.00
YORK PA 17404 1 11/03/99 00
0431627413 05 12/01/99 0
0071778252 O 11/01/29
0
1953652 369/G02 F 61,200.00 ZZ
360 61,068.29 1
3262 & 3264 SPLIT WILLOW DRIVE 9.375 509.04 90
9.125 509.04 68,000.00
ORLANDO FL 32808 1 09/17/99 11
0431627231 05 11/01/99 30
007174828 O 10/01/29
0
1953654 369/G02 F 86,800.00 ZZ
360 86,688.92 1
7832 W YUCCA STREET 8.250 652.10 65
8.000 652.10 134,000.00
PEORIA AZ 85345 1 09/20/99 00
0431627389 05 11/01/99 0
0071750384 O 10/01/29
0
1
1953657 369/G02 F 37,800.00 ZZ
360 37,762.65 1
6528 LUPINE TERRACE 9.500 317.85 89
9.250 317.85 42,500.00
INDIANAPOLIS IN 46224 1 09/29/99 14
0431627264 09 11/01/99 25
0071768659 N 10/01/29
0
1953658 369/G02 F 124,000.00 ZZ
360 123,935.71 1
10770 N 117TH PALCE 9.250 1,020.12 80
9.000 1,020.12 156,000.00
SCOTTSDALE AZ 85259 1 10/08/99 00
0431627249 09 12/01/99 0
0071746911 N 11/01/29
0
1953663 369/G02 F 126,000.00 ZZ
360 125,861.82 4
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MESA AZ 85210 1 09/29/99 01
0431627199 03 11/01/99 25
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0
1953679 S20/G02 F 42,400.00 ZZ
360 42,400.00 1
1100 SKYLAND DRIVE #O-7 8.875 337.36 80
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COLUMBIA SC 29201 1 11/11/99 00
0431629740 01 01/01/00 0
1009248 N 12/01/29
0
1953756 A50/A50 F 500,000.00 ZZ
360 499,392.05 1
176 BICKLEY ROAD 8.500 3,844.57 65
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LEXINGTON SC 29072 2 09/30/99 00
7505532150 05 11/01/99 0
7505532150 O 10/01/29
0
1953845 964/G02 F 128,800.00 ZZ
360 128,715.74 1
8220 DONOVAN STREET 8.125 956.34 80
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DOWNEY CA 90242 1 10/26/99 00
0431619055 05 12/01/99 0
61789 O 11/01/29
0
1953846 129/G02 F 78,750.00 ZZ
360 78,709.17 1
702 N BIRCH STREET 9.250 647.86 72
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GILBERT AZ 85234 5 10/25/99 00
0431646504 05 12/01/99 0
3500431410 O 11/01/29
0
1953848 964/G02 F 450,000.00 ZZ
360 450,000.00 1
4735 HALL ROAD 8.625 3,500.05 57
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SANTA ROSA CA 95401 5 11/01/99 00
0431639533 05 01/01/00 0
66074 O 12/01/29
0
1953850 A52/G02 F 252,000.00 ZZ
360 252,000.00 1
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ALPHARETTA GA 30004 1 11/12/99 00
0431621028 05 01/01/00 0
9778 O 12/01/29
0
1953868 G52/G02 F 84,600.00 ZZ
360 84,600.00 1
3601 WEST MEDLOCK DRIVE 8.875 673.12 90
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PHOENIX AZ 85019 5 11/04/99 10
0431626316 05 01/01/00 25
991000FF O 12/01/29
0
1953873 637/G02 F 234,600.00 ZZ
360 234,471.85 1
3103 SABLE CREEK 9.000 1,887.65 75
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SAN ANTONIO TX 78258 1 10/29/99 00
0431636190 03 12/01/99 0
0017610361 O 11/01/29
0
1
1953880 637/G02 F 328,500.00 ZZ
360 328,285.11 1
5824 TARAWOOD DRIVE 8.125 2,439.11 90
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ORLANDO FL 32819 1 10/26/99 04
0431648112 03 12/01/99 25
0019039098 O 11/01/29
0
1953928 163/G02 F 268,000.00 ZZ
360 267,837.64 1
248 CANTERBURY PLACE 8.500 2,060.69 80
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RIDGEWOOD NJ 07450 1 11/01/99 00
0431641026 05 12/01/99 0
1000182649 O 11/01/29
0
1953932 638/G02 F 125,600.00 ZZ
360 125,521.93 1
1670 NORTH BROADWAY 8.375 954.65 80
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0431626530 05 12/01/99 0
08938279 O 11/01/29
0
1953945 638/G02 F 59,900.00 ZZ
360 59,861.80 1
1050 EAST WASHINGTON AVENUE 8.250 450.01 80
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ESCONDIDO CA 92025 1 10/25/99 00
0431626555 01 12/01/99 0
08928169 O 11/01/29
0
1953948 638/G02 F 385,000.00 ZZ
360 384,778.49 1
5 POND EDGE LANE 8.750 3,028.80 80
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IPSWICH MA 01938 1 10/28/99 00
0431626712 05 12/01/99 0
08930732 O 11/01/29
0
1953961 638/G02 F 271,800.00 ZZ
360 271,643.63 1
1
35823 POST OAK CIRCLE 8.750 2,138.25 80
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MAGNOLIA TX 77355 1 10/28/99 00
0431626019 03 12/01/99 0
08935336 O 11/01/29
0
1953964 A50/A50 F 78,750.00 ZZ
360 78,702.29 1
3 ELLIOTT DRIVE S.E. 8.500 605.52 75
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ROME GA 30161 5 10/22/99 00
126926 05 12/01/99 0
126926 O 11/01/29
0
1953988 P79/G02 F 173,850.00 ZZ
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MIAMI FL 33134 1 11/23/99 10
0431654664 05 01/01/00 30
1953988 O 12/01/29
0
1953993 624/G02 F 108,000.00 ZZ
360 107,946.88 1
4902 MERRITT DRIVE 9.500 908.12 90
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AUSTIN TX 78744 1 11/03/99 11
0431621986 05 12/01/99 25
82300190488 N 11/01/29
0
1953997 637/G02 F 179,900.00 ZZ
360 179,791.01 1
4727 NW HUSERIK DRIVE 8.500 1,383.28 80
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PORTLAND OR 97229 1 10/14/99 00
0431621291 09 12/01/99 0
0016191272 O 11/01/29
0
1954013 F03/G02 F 100,000.00 ZZ
360 99,943.94 1
8250 KRAMERIA STREET 8.875 795.64 89
8.625 795.64 113,135.00
COMMERCE CITY CO 80022 1 10/20/99 11
0431618974 05 12/01/99 25
1
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0
1954020 637/G02 F 50,300.00 ZZ
360 50,274.60 3
738 DELAWARE AVENUE 9.375 418.37 90
9.125 418.37 55,900.00
FORT PIERCE FL 34950 1 10/22/99 04
0431621960 05 12/01/99 25
9313123 N 11/01/29
0
1954026 637/G02 F 277,000.00 ZZ
360 276,836.46 1
119 24TH AVENUE SOUTH 8.625 2,154.48 75
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SEATTLE WA 98122 2 10/20/99 00
0431648096 05 12/01/99 0
0017874363 O 11/01/29
0
1954030 637/G02 F 259,000.00 ZZ
360 258,850.98 1
323 VIOLET STREET 8.750 2,037.56 85
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MASSAPEQUA NY 11762 5 10/25/99 01
0431621747 05 12/01/99 12
0018325555 O 11/01/29
0
1954031 F27/F27 F 89,900.00 ZZ
360 89,590.68 1
7604 POPLAR ST 8.500 691.26 60
8.250 691.26 149,900.00
MANASSAS VA 20111 1 10/08/99 00
6060102331 05 11/01/99 0
6060102331 N 10/01/29
0
1954037 637/G02 F 88,000.00 ZZ
360 87,948.04 1
291 FOURTH ST 8.625 684.46 80
8.375 684.46 110,000.00
WEBSTER PA 15087 5 10/25/99 00
0431622455 05 12/01/99 0
0014548366 O 11/01/29
0
1
1954040 637/G02 F 58,400.00 ZZ
240 58,306.86 1
1708 LUZA STREET 8.500 506.81 80
8.250 506.81 73,000.00
BRYAN TX 77802 1 10/29/99 00
0431622133 05 12/01/99 0
0017612276 N 11/01/19
0
1954043 Q85/G02 F 315,000.00 ZZ
360 315,000.00 1
111 2ND STREET NE 9.500 2,648.69 90
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WASHINGTON DC 20002 1 11/11/99 10
0431645746 07 01/01/00 25
3586FPJL O 12/01/29
0
1954072 P34/G02 F 100,000.00 ZZ
360 100,000.00 1
93 COLONIAL RD 8.000 733.77 72
7.750 733.77 139,500.00
PROVIDENCE RI 02906 1 11/05/99 00
0431628627 05 01/01/00 0
61274 O 12/01/29
0
1954084 K56/G02 F 104,000.00 ZZ
360 103,946.09 2
1535 SW KNOLL AVENUE 9.250 855.58 65
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BEND OR 97702 5 10/29/99 00
0431619667 05 12/01/99 0
5000866 N 11/01/29
0
1954185 H93/G02 F 61,600.00 ZZ
360 61,566.35 1
3401 BAHAMAS DRIVE 9.000 495.65 70
8.750 495.65 88,000.00
MESQUITE TX 75150 5 10/28/99 00
0431630680 05 12/01/99 0
9984989 N 11/01/29
0
1954318 163/G02 F 393,600.00 ZZ
360 393,367.62 1
59 EAST WANDERWOOD WAY 8.625 3,061.38 80
8.375 3,061.38 492,000.00
1
SANDY UT 84092 1 10/29/99 00
0431638949 03 12/01/99 0
6517147135 O 11/01/29
0
1954322 163/G02 F 183,750.00 T
360 183,635.78 1
75 CROSBY LANE 8.375 1,396.64 75
8.125 1,396.64 245,000.00
BRESTER MA 02631 1 10/15/99 00
0431638816 05 12/01/99 0
1000130854 O 11/01/29
0
1954325 637/G02 F 71,900.00 ZZ
360 71,857.55 2
8 BOOKER STREET 8.625 559.23 90
8.375 559.23 79,900.00
LISBON FALLS ME 04252 1 10/28/99 01
0431650787 05 12/01/99 25
0017539271 N 11/01/29
0
1954327 637/G02 F 139,500.00 ZZ
360 139,423.80 3
416 MAIN STREET 9.000 1,122.45 90
8.750 1,122.45 155,000.00
SACO ME 04072 1 10/29/99 14
0431623057 05 12/01/99 25
0013869821 O 11/01/29
0
1954347 253/253 F 105,750.00 ZZ
360 105,695.18 4
1830 BUENA VISTA SE 9.250 869.98 90
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ALBUQUERQUE NM 87106 1 10/28/99 14
946607 05 12/01/99 25
946607 N 11/01/29
0
1954353 E11/G02 F 117,500.00 ZZ
360 117,500.00 1
5542 ROWLAND ROAD 8.250 882.74 80
8.000 882.74 146,900.00
MINNETONKA MN 55343 1 11/08/99 00
0431625805 01 01/01/00 0
0003001018950 O 12/01/29
0
1
1954359 A50/A50 F 96,000.00 ZZ
360 95,880.24 1
4549 GREENBRIAR DRIVE 8.375 729.67 70
8.125 729.67 137,410.00
LITTLE RIVER SC 29566 1 09/28/99 00
9999999 03 11/01/99 0
9999999 O 10/01/29
0
1954362 L49/G02 F 180,000.00 ZZ
360 179,890.96 1
34961 PERRY ROAD 8.500 1,384.04 60
8.250 1,384.04 305,000.00
UNION CITY CA 94587 5 10/05/99 00
0431626209 05 12/01/99 0
10002015 O 11/01/29
0
1954367 K37/G02 F 58,500.00 ZZ
360 58,500.00 1
2835 SOUTH 14TH STREET 8.625 455.01 90
8.375 455.01 65,000.00
LINCOLN NE 68502 1 11/24/99 12
0431659853 05 01/01/00 25
PICKREL N 12/01/29
0
1954383 A06/G02 F 106,250.00 ZZ
360 106,061.70 1
1707 BOTKINS 9.000 854.92 82
8.750 854.92 130,000.00
COMMERCE TWP MI 48390 2 08/27/99 12
0431621879 05 10/01/99 12
009906934 N 09/01/29
0
1954424 P48/G02 F 48,150.00 ZZ
360 48,150.00 1
7944 YATES AVENUE N 9.500 404.87 90
9.250 404.87 53,500.00
BROOKLYN PARK MN 55443 1 11/29/99 10
0431654607 09 01/01/00 25
1954424 N 12/01/29
0
1954468 N79/G02 F 117,600.00 ZZ
360 117,600.00 1
1
4930 NATURAL BRIDGE DRIVE 9.375 978.14 80
9.125 978.14 148,000.00
KINGWOOD TX 77345 1 11/08/99 00
0431634682 03 01/01/00 0
MCALLISTER O 12/01/29
0
1954486 J33/G02 F 105,960.00 ZZ
360 105,906.48 2
5917-5919 SUMMERGLENN LANE 9.375 881.33 80
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COLLEGE PARK GA 30349 1 10/29/99 00
0431635499 05 12/01/99 0
9908060066 N 11/01/29
0
1954573 P58/G02 F 22,000.00 ZZ
360 21,985.97 1
60 LIBERTY COURT 8.250 165.28 52
8.000 165.28 43,000.00
GALLOWAY TOWNSH NJ 08201 1 10/29/99 00
0431624121 01 12/01/99 0
990010201 N 11/01/29
0
1954623 E45/G02 F 60,000.00 ZZ
360 59,971.26 1
2805 LONG WAY DRIVE 9.625 509.99 80
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DECATUR GA 30032 5 11/01/99 00
0431629351 05 12/01/99 0
58928 O 11/01/29
0
1954646 665/G02 F 50,000.00 ZZ
360 49,968.92 1
1225 GEORGIA WAY 8.375 380.04 43
8.125 380.04 117,000.00
YREKA CA 96097 1 10/01/99 00
0431631357 05 12/01/99 0
9901232938 N 11/01/29
0
1954661 E23/G02 F 237,000.00 ZZ
360 237,000.00 1
9350 CRYSTAL VIEW DRIVE 8.000 1,739.02 75
7.750 1,739.02 320,000.00
LOS ANGELES CA 91042 2 11/05/99 00
0431630987 05 01/01/00 0
1
90500468 O 12/01/29
0
1954662 Q99/G02 F 175,500.00 ZZ
360 175,500.00 1
493 MAIN STREET 8.875 1,396.36 75
8.625 1,396.36 237,000.00
MEDFORD MA 02155 5 11/24/99 00
0431652825 05 01/01/00 0
0000 O 12/01/29
0
1954675 940/G02 F 105,300.00 ZZ
360 105,300.00 3
475 CALLE EL SEGUNDO 8.875 837.82 90
8.625 837.82 117,000.00
PALM SPRINGS CA 92262 1 11/09/99 10
0431630821 05 01/01/00 25
WHI252 O 12/01/29
0
1954682 E11/G02 F 68,000.00 ZZ
360 68,000.00 1
3533 S PLEASANT AVENUE #2 8.625 528.90 80
8.375 528.90 85,000.00
MINNEAPOLIS MN 55408 1 11/12/99 00
0431635663 01 01/01/00 0
000 N 12/01/29
0
1954691 685/G02 F 217,000.00 ZZ
360 217,000.00 1
2493 CHOISSER COURT 8.375 1,649.36 80
8.125 1,649.36 271,283.00
TRACY CA 95376 1 11/04/99 00
0431631431 05 01/01/00 0
600577 O 12/01/29
0
1954813 F18/G02 F 252,000.00 ZZ
360 252,000.00 2
650-652 OLDHAM WAY 8.625 1,960.04 80
8.375 1,960.04 315,000.00
SAN JOSE CA 95111 1 11/11/99 00
0431650639 05 01/01/00 0
R02272 O 12/01/29
0
1
1954851 Q57/G02 F 76,000.00 ZZ
360 75,955.13 1
601 MAIN STREET 8.625 591.12 80
8.375 591.12 95,000.00
CARIBOU ME 04736 5 10/23/99 00
0431627884 05 12/01/99 0
1556 O 11/01/29
0
1954885 S41/G02 F 168,000.00 ZZ
360 168,000.00 1
1433 SOUTH 1400 EAST 8.875 1,336.68 80
8.625 1,336.68 210,000.00
SALT LAKE CITY UT 84105 5 11/23/99 00
0431667419 05 01/01/00 0
1954885 O 12/01/29
0
1954890 G51/G02 F 139,500.00 T
360 139,500.00 1
1012 DOMNUS LANE 8.125 1,035.78 90
7.875 1,035.78 155,036.00
LAS VEGAS NV 89134 1 11/10/99 01
0431628494 01 01/01/00 25
98106463 O 12/01/29
0
1954922 A52/G02 F 54,800.00 ZZ
360 54,800.00 1
2340 BEAVER RUIN ROAD #67 8.875 436.01 80
8.625 436.01 68,500.00
NORCROSS GA 30071 1 11/15/99 00
0431638774 01 01/01/00 0
9814 O 12/01/29
0
1954930 J40/G02 F 142,000.00 ZZ
360 141,913.97 1
180 HARVEST LANE 8.500 1,091.86 80
8.250 1,091.86 177,500.00
ROCK SPRING GA 30739 1 11/04/99 00
0431640994 05 12/01/99 0
7656773 O 11/01/29
0
1954933 637/G02 F 128,856.00 ZZ
360 128,856.00 1
430 OAK GLEN RD 8.250 968.06 80
8.000 968.06 162,000.00
1
HOWELL NJ 07731 2 10/28/99 00
0431651074 05 01/01/00 0
0013302625 O 12/01/29
0
1954936 637/G02 F 190,500.00 ZZ
360 190,291.10 1
3789 NEW FRANKLIN 9.000 1,532.81 75
8.750 1,532.81 254,000.00
CHAMERSBURG PA 17201 5 09/30/99 00
0431660794 05 11/01/99 0
0018792986 O 10/01/29
0
1954945 G81/G02 F 100,000.00 ZZ
360 100,000.00 1
7465 S WATERWAY DRIVE 8.750 786.70 80
8.500 786.70 125,000.00
MIAMI FL 33155 1 11/15/99 00
0431639046 05 01/01/00 0
021908041 O 12/01/29
0
1954959 E45/G02 F 150,000.00 ZZ
360 150,000.00 1
5644 RANSOM FREE ROAD 8.500 1,153.37 77
8.250 1,153.37 195,000.00
CLERMONT GA 30527 2 11/15/99 00
0431640606 05 01/01/00 0
58144 O 12/01/29
0
1954961 637/G02 F 108,000.00 ZZ
360 108,000.00 4
1415 ROOSEVELT AVENUE 9.500 908.13 90
9.250 908.13 120,000.00
MELBOURNE FL 32901 1 11/04/99 01
0431642016 05 01/01/00 25
0010359883 N 12/01/29
0
1954968 K56/G02 F 119,250.00 ZZ
360 119,250.00 3
1408 THOMAS ROAD 9.000 959.51 90
8.750 959.51 132,500.00
MEDFORD OR 97501 1 11/08/99 01
0431634435 05 01/01/00 25
R5000876 O 12/01/29
0
1
1954975 G52/G02 F 113,600.00 ZZ
360 113,600.00 1
6325 EAST DESERT COVE AVENUE 8.500 873.49 80
8.250 873.49 142,000.00
PHOENIX AZ 85254 1 11/03/99 00
0431638170 05 01/01/00 0
598506597 O 12/01/29
0
1954980 E76/G02 F 370,000.00 ZZ
360 370,000.00 1
25 WEDGE WAY 8.125 2,747.24 69
7.875 2,747.24 540,000.00
LITTLETON CO 80123 5 11/09/99 00
0431638196 03 01/01/00 0
S9910015 O 12/01/29
0
1954990 E46/G02 F 48,000.00 ZZ
360 47,972.38 2
62 PALMER STREET 8.750 377.62 80
8.500 377.62 60,000.00
PASSAIC NJ 07055 1 10/28/99 00
0431639467 05 12/01/99 0
39401 N 11/01/29
0
1955073 253/253 F 97,920.00 ZZ
360 97,920.00 2
2620-2610 JEFFERSON 8.750 770.34 80
8.500 770.34 122,400.00
EUGENE OR 97405 1 11/02/99 00
946368 05 01/01/00 0
946368 N 12/01/29
0
1955076 253/253 F 130,610.00 ZZ
360 130,610.00 1
11500 VALLEY ROAD 8.500 1,004.28 74
8.250 1,004.28 176,500.00
FAIRFAX VA 22033 5 11/02/99 00
946936 05 01/01/00 0
946936 O 12/01/29
0
1955078 573/G02 F 58,500.00 ZZ
360 58,470.46 1
1
1526 W 70TH STREET 9.375 486.57 90
9.125 486.57 65,000.00
LOS ANGELES CA 90047 1 10/08/99 10
0431638410 05 12/01/99 25
155358 O 11/01/29
0
1955090 F42/G02 F 152,000.00 ZZ
360 151,824.45 3
34 ELIZABETH STREET 8.750 1,195.79 80
8.500 1,195.79 190,000.00
JERSEY CITY NJ 07306 1 09/24/99 00
0431645977 05 11/01/99 0
NJ02199 O 10/01/29
0
1955121 F62/G02 F 60,500.00 T
360 60,461.42 1
4901 CENTER LANE 8.250 454.52 63
8.000 454.52 96,500.00
ORLANDO FL 32808 1 10/15/99 00
0431634401 05 12/01/99 0
0000 O 11/01/29
0
1955165 P67/G02 F 97,750.00 ZZ
360 97,750.00 1
50 LAKEWOOD PARK DRIVE 9.375 813.03 85
9.125 813.03 115,000.00
WESTMINSTER MA 01473 1 11/17/99 04
0431643816 05 01/01/00 12
3801317560 O 12/01/29
0
1955256 685/G02 F 283,500.00 ZZ
360 283,500.00 4
1421 CAMEO LANE 8.875 2,255.66 90
8.625 2,255.66 315,000.00
FULLERTON CA 92831 1 11/05/99 01
0431644814 05 01/01/00 25
600511 N 12/01/29
0
1955276 A52/G02 F 237,990.00 ZZ
360 237,990.00 1
6400 LONG ISLAND DRIVE 9.000 1,914.92 62
8.750 1,914.92 385,000.00
SANDY SPRINGS GA 30328 5 11/17/99 00
0431644285 05 01/01/00 0
1
9555 O 12/01/29
0
1955284 163/G02 F 200,000.00 ZZ
360 199,884.93 1
16 JORDAN DRIVE 8.750 1,573.40 70
8.500 1,573.40 288,500.00
RIVER EDGE NJ 07651 1 10/15/99 00
0431640457 01 12/01/99 0
1000149478 O 11/01/29
0
1955286 685/G02 F 171,450.00 ZZ
360 171,450.00 1
31613 SADDLERIDGE DRIVE 8.375 1,303.15 80
8.125 1,303.15 214,313.00
LAKE ELSINORE CA 92532 1 11/09/99 00
0431645142 05 01/01/00 0
119660 O 12/01/29
0
1955287 163/G02 F 284,000.00 ZZ
360 283,827.96 1
989 BRYANT WAY 8.500 2,183.71 79
8.250 2,183.71 360,000.00
SUNNYVALE CA 94087 1 10/08/99 00
0431640705 05 12/01/99 0
217142961 O 11/01/29
0
1955292 163/G02 F 119,700.00 ZZ
360 119,700.00 1
1501 & 1503 33RD STREET 8.625 931.01 90
8.375 931.01 133,000.00
SACRAMENTO CA 95816 1 11/01/99 04
0431645647 05 01/01/00 25
717152796 N 12/01/29
0
1955299 163/G02 F 54,000.00 ZZ
360 53,968.93 1
15 LONGWORTH ROAD 8.750 424.82 36
8.500 424.82 152,500.00
WORCESTER MA 01602 5 10/26/99 00
0431646116 05 12/01/99 0
1000178183 N 11/01/29
0
1
1955306 637/G02 F 248,000.00 ZZ
360 247,052.03 1
1864 DAIQUIRI LANE 8.375 1,884.98 80
8.125 1,884.98 310,000.00
LUTZ FL 33549 1 11/01/99 00
0431651678 05 12/01/99 0
0019051432 O 11/01/29
0
1955310 811/G02 F 75,000.00 ZZ
360 75,000.00 1
610 BRYCELAND BOULEVARD 8.625 583.34 75
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RIDGELAND MS 39157 5 11/10/99 00
0431647569 05 01/01/00 0
FM80037549 O 12/01/29
0
1955311 637/G02 F 105,600.00 ZZ
360 105,543.80 4
846 W SACRAMENTO AVENUE 9.125 859.20 80
8.875 859.20 132,000.00
CHICO CA 95926 1 10/21/99 00
0431652866 05 12/01/99 0
0016934283 N 11/01/29
0
1955334 964/G02 F 152,000.00 ZZ
360 152,000.00 1
4682 WARNER AVENUE #C208 8.625 1,182.24 80
8.375 1,182.24 190,000.00
HUNTINGTONBEACH CA 92649 1 11/08/99 00
0431635036 01 01/01/00 0
66963 O 12/01/29
0
1955491 L84/G02 F 224,000.00 ZZ
360 224,000.00 2
14743 OTSEGO STREET 8.750 1,762.21 80
8.500 1,762.21 280,000.00
SHERMAN OAKS CA 91403 1 11/10/99 00
0431642925 05 01/01/00 0
99200 O 12/01/29
0
1955496 F62/G02 F 131,600.00 ZZ
360 131,526.22 1
1161 SW 74 AVE 8.875 1,047.07 80
8.625 1,047.07 164,500.00
1
PLANTATION FL 33317 1 10/20/99 00
0431650704 05 12/01/99 0
0000 O 11/01/29
0
1955517 664/G02 F 160,000.00 ZZ
360 160,000.00 1
20008 CABRILLO LANE 8.500 1,230.27 80
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CERRITOS CA 90703 5 11/01/99 00
0431638063 05 01/01/00 0
0003266806 O 12/01/29
0
1955518 B28/G02 F 96,000.00 ZZ
360 95,948.91 1
28 CYPRESS 9.125 781.09 80
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WICHITA KS 67208 1 10/29/99 00
0431638113 05 12/01/99 0
81980077 O 11/01/29
0
1955520 B65/G02 F 46,800.00 ZZ
360 46,800.00 1
581 PASADENA ROAD 9.375 389.26 90
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SHEFFIELD LAKE OH 44054 1 11/16/99 10
0431643907 05 01/01/00 25
0378922 N 12/01/29
0
1955533 P32/G02 F 103,600.00 ZZ
360 103,600.00 3
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ATLANTA GA 30324 1 11/17/99 00
0431650944 05 01/01/00 0
1066 N 12/01/29
0
1955534 E11/G02 F 303,200.00 ZZ
360 303,200.00 1
8587 COLLEGE TRAIL 8.375 2,304.54 80
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INVER GROVE HEI MN 55076 1 11/15/99 00
0431638394 05 01/01/00 0
00 O 12/01/29
0
1
1955548 163/G02 F 167,000.00 ZZ
360 166,898.83 4
2522-2528 BRIGHTON STREET 8.500 1,284.09 73
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ROSEMEAD CA 91770 5 10/19/99 00
0431649524 05 12/01/99 0
617135874 O 11/01/29
0
1955553 942/G02 F 110,000.00 ZZ
360 110,000.00 1
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BORO OF KINNELO NJ 07405 5 11/08/99 00
0431659218 05 01/01/00 0
2308R9PPXX O 12/01/29
0
1955555 163/G02 F 92,000.00 ZZ
360 91,947.07 1
135 EAST JERSEY STREET 8.750 723.76 80
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ELIZABETH NJ 07206 1 10/22/99 00
0431649516 05 12/01/99 0
1000187969 O 11/01/29
0
1955597 L16/G02 F 180,000.00 ZZ
360 180,000.00 1
8877 SOUTH 1275 EAST 9.375 1,497.15 95
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SANDY UT 84094 2 11/24/99 01
0431655836 05 01/01/00 30
99110035 O 12/01/29
0
1955600 601/G02 F 140,400.00 ZZ
360 140,319.22 1
1082 12TH ST 8.750 1,104.53 90
8.500 1,104.53 156,000.00
OGDEN UT 84404 1 10/22/99 01
0431649540 05 12/01/99 25
60119757 N 11/01/29
0
1955616 964/G02 F 353,500.00 ZZ
360 353,500.00 1
1
7500 STREAMSIDE DRIVE 8.250 2,655.73 80
8.000 2,655.73 442,000.00
FORT COLLINS CO 80525 2 11/11/99 00
0431644681 03 01/01/00 0
65735 O 12/01/29
0
1955663 Q99/G02 F 150,000.00 ZZ
360 150,000.00 1
601 W WILLOW CREEK LANE 8.875 1,193.47 74
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MCRAE GA 31055 5 12/01/99 00
0431664879 05 01/06/00 0
0000 O 12/06/29
0
1955740 L38/G02 F 183,350.00 ZZ
360 183,350.00 1
45 CEDAR LANE 8.500 1,409.81 95
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BERKELEY HEIGHT NJ 07922 1 11/17/99 12
0431644822 03 01/01/00 30
43401000000276 O 12/01/29
0
1955850 637/G02 F 132,000.00 ZZ
360 132,000.00 1
5362 SO FERNCREST CIRCLE 8.250 991.68 80
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TAYLORSVILLE UT 84118 1 11/08/99 00
0431651868 05 01/01/00 0
0012488714 O 12/01/29
0
1955859 637/G02 F 47,920.00 ZZ
360 47,920.00 2
427 SOUTH 13TH STREET 9.750 411.71 80
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HARRISBURG PA 17104 1 11/05/99 00
0431652882 05 01/01/00 0
0018797514 N 12/01/29
0
1955861 637/G02 F 72,750.00 ZZ
360 72,713.26 1
1535 WOODROW COURT 9.375 605.10 75
9.125 605.10 97,000.00
WICHITA KS 67203 5 11/03/99 00
0431651819 05 12/01/99 0
1
0017898024 O 11/01/29
0
1955864 455/G02 F 61,875.00 ZZ
360 61,875.00 2
1462 CLERMONT ROAD 9.750 531.61 90
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ATLANTA GA 30344 1 11/18/99 01
0431655257 05 01/01/00 25
09000080 N 12/01/29
0
1955865 637/G02 F 100,000.00 ZZ
360 99,890.34 1
655 WOODLAND CHURCH ROAD 9.000 804.62 77
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WAKE FOREST NC 27587 1 09/27/99 00
0431651934 05 11/01/99 0
0013112883 O 10/01/29
0
1955869 637/G02 F 180,000.00 ZZ
360 179,893.72 1
2623 LAKE DRIVE 8.625 1,400.03 72
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BOYNTON BEACH FL 33435 5 11/02/99 00
0431652668 05 12/01/99 0
0013672613 O 11/01/29
0
1955875 A75/G02 F 113,400.00 ZZ
360 113,400.00 1
11 DONDANVILLE ROAD 9.500 953.53 90
UNIT 35 9.250 953.53 126,000.00
ST AUGUSTINE FL 32084 1 11/12/99 04
0431647965 01 01/01/00 25
1000019958 N 12/01/29
0
1955881 A52/G02 F 80,000.00 ZZ
360 80,000.00 1
7008 MCCURLEY ROAD 8.500 615.13 29
8.250 615.13 277,500.00
ACWORTH GA 30102 5 11/19/99 00
0431649847 05 01/01/00 0
000 O 12/01/29
0
1
1955884 Q59/G02 F 221,000.00 ZZ
360 221,000.00 2
5153-5155 INGLEWOOD BOULEVARD 9.125 1,798.13 85
8.875 1,798.13 260,000.00
LOS ANGELES CA 90230 5 11/23/99 11
0431661990 05 01/01/00 12
99001464 O 12/01/29
0
1955885 964/G02 F 480,000.00 ZZ
360 480,000.00 1
1006 HERDSMAN WAY 8.250 3,606.08 80
8.000 3,606.08 600,000.00
TEMPLETON CA 93465 2 11/08/99 00
0431646272 05 01/01/00 0
66810 O 12/01/29
0
1955891 964/G02 F 169,000.00 ZZ
360 169,000.00 1
1074 PINTAIL CIRCLE 8.625 1,314.46 70
8.375 1,314.46 241,490.00
FOLSOM CA 95630 1 11/03/99 00
0431646033 05 01/01/00 0
66526 O 12/01/29
0
1955895 964/G02 F 62,400.00 ZZ
360 62,400.00 1
1749 WEST DONNER AVENUE 8.625 485.34 80
8.375 485.34 78,000.00
FRESNO CA 93705 1 11/16/99 00
0431646231 05 01/01/00 0
66219 O 12/01/29
0
1955899 A78/G02 F 148,500.00 ZZ
360 148,500.00 2
174 176 HAZEL COURT 9.250 1,221.68 90
9.000 1,221.68 165,000.00
DENVER CO 80219 1 11/15/99 11
0431649821 05 01/01/00 25
20000778 N 12/01/29
0
1955901 F18/G02 F 131,250.00 ZZ
360 131,250.00 1
2497 COLE STREET 7.625 928.98 77
7.375 928.98 171,000.00
1
OAKLAND CA 94601 2 11/12/99 00
0431651876 05 01/01/00 0
R02271 O 12/01/29
0
1955902 964/G02 F 115,800.00 ZZ
360 115,800.00 1
172 MADGE LANE 8.000 849.70 78
7.750 849.70 150,000.00
LAS VEGAS NV 89110 2 11/09/99 00
0431646371 05 01/01/00 0
65994 O 12/01/29
0
1955906 964/G02 F 131,250.00 ZZ
360 131,250.00 1
1850 NORTHWEST 312TH AVENUE 7.875 951.65 75
7.625 951.65 177,250.00
HILLSBORO OR 97124 1 11/15/99 00
0431646181 05 01/01/00 0
67165 O 12/01/29
0
1955912 A50/A50 F 86,400.00 ZZ
360 86,347.65 1
1841 PLEASANT RIDGE DRIVE 8.500 664.35 67
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SYLACAUGA AL 35150 5 10/08/99 00
127041 05 12/01/99 0
127041 O 11/01/29
0
1955915 A50/A50 F 199,900.00 ZZ
360 199,769.24 1
1307 CONFEDERATE AVENUE 8.125 1,484.25 80
7.875 1,484.25 249,900.00
COLUMBIA SC 29201 1 10/28/99 00
7505717550 05 12/01/99 0
7505717550 O 11/01/29
0
1955960 F27/F27 F 529,800.00 ZZ
360 529,444.51 1
406 FIRESTONE DRIVE 8.000 3,887.49 80
7.750 3,887.49 662,260.00
SILVER SPRING MD 20905 1 10/29/99 00
6060081725 03 12/01/99 0
6060081725 O 11/01/29
0
1
1955996 664/G02 F 280,000.00 ZZ
360 280,000.00 1
31826 HERMAN ROAD 9.125 2,278.18 80
8.875 2,278.18 350,000.00
EUGENE OR 97408 5 11/05/99 00
0431650811 05 01/01/00 0
0003109204 O 12/01/29
0
1956008 A26/G02 F 333,000.00 ZZ
360 331,420.80 2
16 DETROIT AVENUE 8.875 2,649.50 90
8.625 2,649.50 370,000.00
STATEN ISLAND NY 10312 1 08/12/99 04
0431654565 05 10/01/99 25
14327 O 09/01/29
0
1956010 573/G02 F 97,200.00 ZZ
360 97,200.00 1
7688 SUN PETAL COURT 8.875 773.37 90
8.625 773.37 108,000.00
FONTANA CA 92336 1 11/08/99 14
0431659838 05 01/01/00 25
155357 N 12/01/29
0
1956016 P59/G02 F 161,100.00 ZZ
360 161,100.00 1
522 THIRD STREET 8.750 1,267.37 90
8.500 1,267.37 179,000.00
PASO ROBLES CA 93446 1 11/09/99 01
0431659945 05 01/01/00 25
99188194 O 12/01/29
0
1956032 E46/G02 F 101,000.00 ZZ
360 101,000.00 1
441 RAVEN SPRINGS TRAIL 8.250 758.78 85
8.000 758.78 119,000.00
STONE MOUNTAIN GA 30087 5 11/05/99 19
0431652080 05 01/01/00 12
38202 O 12/01/29
0
1956037 B68/G02 F 231,000.00 ZZ
360 231,000.00 1
1
BLUE HILL ROAD 8.625 1,796.69 73
8.375 1,796.69 320,000.00
BLUE HILL ME 04614 1 11/15/99 00
0431650977 05 01/01/00 0
1031018200 O 12/01/29
0
1956038 F26/G02 F 269,950.00 ZZ
360 269,950.00 3
3708 MEADOW AVENUE NORTH 9.375 2,245.31 90
9.125 2,245.31 299,950.00
RENTON WA 98056 1 11/10/99 10
0431648252 05 01/01/00 25
7142651008 N 12/01/29
0
1956040 A52/G02 F 471,200.00 ZZ
360 471,200.00 1
6245 POLO DRIVE 8.375 3,581.46 80
8.125 3,581.46 589,000.00
CUMMING GA 30040 1 11/23/99 00
0431652031 03 01/01/00 0
000 O 12/01/29
0
1956050 A80/G02 F 121,600.00 ZZ
360 121,600.00 1
10501 NE 3 AVENUE 8.625 945.80 95
8.375 945.80 128,000.00
MIAMI SHORES FL 33138 1 11/19/99 01
0431650597 05 01/01/00 30
9952259 O 12/01/29
0
1956051 K15/G02 F 303,150.00 ZZ
360 303,150.00 1
629 FLOWER AVENUE NO 1 8.375 2,304.16 88
8.125 2,304.16 345,000.00
VENCIE CA 90291 2 11/01/99 11
0431653732 01 01/01/00 25
1800176 O 12/01/29
0
1956054 K15/G02 F 154,000.00 ZZ
360 154,000.00 1
25460 LODGE ROAD 8.500 1,184.13 70
8.250 1,184.13 220,000.00
IDYLLWILD CA 92549 2 11/04/99 00
0431654078 05 01/01/00 0
1
3001346 O 12/01/29
0
1956055 882/G02 F 150,000.00 ZZ
360 150,000.00 1
9905 SW 131ST STREET 8.500 1,153.37 52
8.250 1,153.37 293,000.00
MIAMI FL 33176 5 11/19/99 00
0431661388 05 01/01/00 0
990338 O 12/01/29
0
1956091 637/G02 F 238,500.00 ZZ
360 238,500.00 4
1443-1445 QUITMAN ST 8.750 1,876.28 90
8.500 1,876.28 265,000.00
DENVER CO 80204 1 11/12/99 01
0431652536 05 01/01/00 25
15334642 O 12/01/29
0
1956167 B65/G02 F 114,300.00 ZZ
360 114,300.00 1
1257 FISHINGER ROAD 8.625 889.01 80
8.375 889.01 144,000.00
COLUMBUS OH 43221 1 11/18/99 00
0431652049 05 01/01/00 0
0383741 O 12/01/29
0
1956206 L84/G02 F 199,500.00 ZZ
360 199,500.00 2
1125 STANLEY AVE 8.500 1,533.98 95
8.250 1,533.98 210,000.00
GLENDALE CA 91206 1 11/22/99 10
0431652593 05 01/01/00 30
99201 O 12/01/29
0
1956228 Q01/G02 F 52,500.00 ZZ
360 52,500.00 2
1334 1336 SE 37TH 9.375 436.67 30
9.125 436.67 175,000.00
PORTLAND OR 97214 5 11/15/99 00
0431660182 05 01/01/00 0
94765115 N 12/01/29
0
1
1956246 637/G02 F 293,250.00 ZZ
360 293,250.00 1
22514 27TH AVENUE NE 8.250 2,203.09 85
8.000 2,203.09 345,000.00
ARLINGTON WA 98223 1 11/12/99 04
0431655125 05 01/01/00 12
0017876699 O 12/01/29
0
1956288 964/G02 F 456,000.00 ZZ
360 456,000.00 1
47846 MIAMI HIGHLANDS DRIVE 8.250 3,425.78 80
8.000 3,425.78 570,000.00
OAKHURST CA 93644 2 11/15/99 00
0431652627 05 01/01/00 0
67520 O 12/01/29
0
1956358 420/G02 F 254,600.00 ZZ
360 254,600.00 1
5220 CHINOOK COURT 8.125 1,890.40 95
7.875 1,890.40 268,000.00
ANTIOCH CA 94509 1 11/10/99 11
0431651009 05 01/01/00 30
434746 O 12/01/29
0
1956374 L48/G02 F 278,600.00 ZZ
360 278,600.00 1
6393 GREEN ROAD 8.500 2,142.19 70
8.250 2,142.19 398,900.00
HASLETT MI 48840 1 11/17/99 00
0431652486 05 01/01/00 0
85209 O 12/01/29
0
1956379 G44/G02 F 152,000.00 ZZ
360 152,000.00 1
661 E 58TH STREET 8.750 1,195.78 95
8.500 1,195.78 160,000.00
HIALEAH FL 33013 1 11/24/99 10
0431658624 05 01/01/00 30
1099026 O 12/01/29
0
1956424 076/076 F 115,000.00 ZZ
360 114,564.96 1
2301 S EISENHOWER CIR 8.000 843.83 60
7.750 843.83 194,000.00
1
SIOUX FALLS SD 57106 1 08/12/99 00
1368998 05 10/01/99 0
1368998 O 09/01/29
0
1956428 076/076 F 278,000.00 ZZ
360 277,710.65 1
7957 E 120 9.250 2,287.04 67
9.000 2,287.04 420,000.00
WETUMKA OK 74883 5 09/21/99 00
9270064 05 11/01/99 0
9270064 O 10/01/29
0
1956430 076/076 F 109,800.00 T
360 109,659.49 1
105 CHAPEL HILL COVE 8.250 824.89 88
8.000 824.89 125,000.00
HOT SPRINGS AR 71901 1 09/24/99 12
9516719 05 11/01/99 25
9516719 O 10/01/29
0
1956432 076/076 F 116,250.00 ZZ
360 116,119.18 1
4122 NORFOLK STREET 8.875 924.94 73
8.625 924.94 160,000.00
HOUSTON TX 77027 1 09/14/99 00
9685901 05 11/01/99 0
9685901 O 10/01/29
0
1956434 076/076 F 127,200.00 T
360 127,071.02 1
5605 MUSTER COURT 9.375 1,057.99 80
9.125 1,057.99 159,000.00
AUSTIN TX 78731 1 09/27/99 00
9867710 03 11/01/99 0
9867710 O 10/01/29
0
1956437 076/076 F 58,800.00 ZZ
360 58,692.38 1
1030 BIGNELL DRIVE 8.500 452.12 80
8.250 452.12 73,500.00
BATTLE CREEK MI 49014 1 09/03/99 00
9873985 05 10/01/99 0
9873985 O 09/01/29
0
1
1956446 A33/G02 F 124,000.00 ZZ
360 123,926.79 1
21234 WELLINGTON 8.625 964.46 80
8.375 964.46 155,000.00
WOODHAVEN MI 48183 1 10/29/99 00
0431653500 05 12/01/99 0
001081072 O 11/01/29
0
1956529 G81/G02 F 142,500.00 ZZ
360 142,500.00 1
1925 BRICKELL AVENUE #1104 & 9.125 1,159.43 75
1105 8.875 1,159.43 190,000.00
MIAMI FL 33129 1 11/23/99 00
0431654185 06 01/01/00 0
021910088 O 12/01/29
0
1956543 163/G02 F 115,200.00 ZZ
360 115,135.42 3
136 CHURCH STREET 8.875 916.58 80
8.625 916.58 144,000.00
BURRILLVILLE RI 02859 1 10/27/99 00
0431652726 05 12/01/99 0
1000196961 N 11/01/29
0
1956544 575/G02 F 110,000.00 ZZ
360 110,000.00 1
2800 NELSON BLVD 8.750 865.37 66
8.500 865.37 167,000.00
PARMA OH 44134 5 11/12/99 00
0431652809 05 01/01/00 0
93335316 O 12/01/29
0
1956593 K21/G02 F 296,250.00 ZZ
360 296,250.00 1
5240 MARGARET DRIVE 8.000 2,173.78 75
7.750 2,173.78 395,000.00
BONITA CA 91909 5 11/23/99 00
0431658400 05 01/01/00 0
9911689 O 12/01/29
0
1956643 L04/G02 F 198,000.00 ZZ
360 198,000.00 1
1
9238 LARK SPARROW DRIVE 9.000 1,593.15 65
8.750 1,593.15 305,000.00
LITTLETON CO 80126 5 11/24/99 00
0431654441 03 01/01/00 0
0385502 O 12/01/29
0
1956685 M96/G02 F 84,000.00 ZZ
360 84,000.00 1
11400 6 MILE RD 8.750 660.83 80
8.500 660.83 105,000.00
BATTLE CREEK MI 49014 5 11/19/99 00
0431654250 05 01/01/00 0
106053008 O 12/01/29
0
1956854 E10/G02 F 96,000.00 ZZ
360 96,000.00 4
1492 NW 27 STREET 9.625 815.99 80
9.375 815.99 120,000.00
MIAMI FL 33142 5 11/18/99 00
0431671403 05 01/01/00 0
112559 N 12/01/29
0
1956977 K15/G02 F 76,500.00 ZZ
360 76,380.09 2
571-573 NE 34TH STREET 9.250 629.35 90
9.000 629.35 85,000.00
OAKLAND PARK FL 33334 1 09/01/99 11
0431656107 05 10/01/99 25
1734383 N 09/01/29
0
1956980 K15/G02 F 148,000.00 ZZ
360 148,000.00 3
8885 GLORI DAWN DRIVE #1,2,3 8.750 1,164.32 80
8.500 1,164.32 185,000.00
ORANGEVALE CA 95662 1 11/11/99 00
0431666098 05 01/01/00 0
3003600 N 12/01/29
0
1956990 F32/G02 F 141,750.00 ZZ
360 141,750.00 1
444 BRIDLEWOOD CIRCLE 8.875 1,127.83 90
8.625 1,127.83 157,500.00
DECATUR GA 30030 1 11/23/99 14
0431658442 05 01/01/00 25
1
6100693 N 12/01/29
0
1957013 B90/G02 F 45,600.00 ZZ
360 45,600.00 4
417 ILLINOIS AVENUE 9.125 371.02 80
8.875 371.02 57,000.00
ROCKFORD IL 61103 1 11/16/99 00
0431657824 05 01/01/00 0
901162601 N 12/01/29
0
1957047 H93/G02 F 84,000.00 T
360 84,000.00 1
61 ASPEN DRIVE 9.250 691.05 60
9.000 691.05 140,000.00
BAILEY CO 80421 5 11/10/99 00
0431656933 05 01/01/00 0
9986096 O 12/01/29
0
1957063 A68/G02 F 131,250.00 ZZ
360 131,250.00 1
444 HALIFAX DRIVE 9.000 1,056.07 75
8.750 1,056.07 175,000.00
COPPELL TX 75019 1 11/22/99 00
0431660216 05 01/01/00 0
LION N 12/01/29
0
1957072 561/G02 F 122,800.00 ZZ
360 122,800.00 1
524 NORTH CENTRAL AVENUE 9.000 988.08 80
8.750 988.08 153,500.00
LAUREL DE 19956 1 11/10/99 00
0431657436 05 01/01/00 0
18067991 O 12/01/29
0
1957079 964/G02 F 145,600.00 ZZ
360 145,600.00 1
1717 SPRUCE STREET #1 8.500 1,119.54 80
8.250 1,119.54 182,000.00
BOULDER CO 80302 1 11/19/99 00
0431656750 01 01/01/00 0
67971 O 12/01/29
0
1
1957098 562/G02 F 369,550.00 ZZ
360 369,550.00 1
1414 MERRY AVENUE 9.250 3,040.20 95
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BRONX NY 10461 1 11/23/99 04
0431657311 09 01/01/00 30
9999999 O 12/01/29
0
1957124 B60/G02 F 183,350.00 ZZ
360 183,350.00 1
8787 SHOREHAM DRIVE #109 8.375 1,393.59 95
8.125 1,393.59 195,000.00
WEST HOLLYWOOD CA 90069 1 11/15/99 19
0431665520 06 01/01/00 30
276369 O 12/01/29
0
1957132 808/G02 F 41,500.00 ZZ
360 41,500.00 1
1811 BEDFORD WAY 9.375 345.18 62
9.125 345.18 67,000.00
BAKERSFIELD CA 93308 5 11/08/99 00
0431666197 05 01/01/00 0
9415745 N 12/01/29
0
1957146 M96/G02 F 103,200.00 ZZ
360 103,200.00 1
16760 140TH AVE 8.875 821.11 80
8.625 821.11 129,900.00
SPRING LAKE MI 49448 1 11/30/99 00
0431658673 05 01/01/00 0
106053352 O 12/01/29
0
1957152 E46/G02 F 60,000.00 ZZ
360 60,000.00 1
1525 W DUNCANNON AVENUE 8.750 472.02 80
8.500 472.02 75,000.00
PHILADELPHIA PA 19141 5 11/24/99 00
0431656883 07 01/01/00 0
39834 O 12/01/29
0
1957200 K15/G02 F 62,400.00 ZZ
360 62,365.02 1
19 EAST GEM COURT 8.875 496.48 80
8.625 496.48 78,000.00
1
GRAPEVIEW WA 98546 2 10/08/99 00
0431655851 05 12/01/99 0
1809375 O 11/01/29
0
1957205 K15/G02 F 247,000.00 ZZ
360 246,729.15 1
2800 INVERNESS COURT 9.000 1,987.42 73
8.750 1,987.42 340,000.00
PENSACOLA FL 32503 1 09/17/99 00
0431655869 05 11/01/99 0
1733575 O 10/01/29
0
1957227 F19/G02 F 400,000.00 ZZ
360 400,000.00 1
215 RANCHO BRAZIL LANE 8.000 2,935.06 72
7.750 2,935.06 560,000.00
WATSONVILLE CA 95076 2 11/10/99 00
0431657303 05 01/01/00 0
382857 O 12/01/29
0
1957303 163/G02 F 84,000.00 ZZ
360 83,949.11 1
9301 NE 95TH STREET 8.500 645.89 72
8.250 645.89 117,000.00
VANCOUVER WA 98662 5 10/21/99 00
0431664267 05 12/01/99 0
817156151 O 11/01/29
0
1957315 163/G02 F 175,000.00 ZZ
360 175,000.00 1
147 LAKE BALDWIN DRIVE 8.750 1,376.73 78
8.500 1,376.73 225,000.00
MAHOPAC NY 10541 2 11/01/99 00
0431667005 05 01/01/00 0
1000197593 O 12/01/29
0
1957369 964/G02 F 85,000.00 ZZ
360 85,000.00 1
1044 SOUTHEAST BLAIR ROAD 8.875 676.30 44
8.625 676.30 195,000.00
WASHOUGAL WA 98671 5 11/18/99 00
0431660992 05 01/01/00 0
60201604 O 12/01/29
0
1
1957383 709/G02 F 76,800.00 ZZ
360 76,800.00 1
9708 EAST VIA LINDA #2336 8.500 590.53 80
8.250 590.53 96,000.00
SCOTTSDALE AZ 85258 1 11/12/99 00
0431658905 01 01/01/00 0
999999 O 12/01/29
0
1957389 709/G02 F 121,600.00 ZZ
360 121,600.00 1
7851 RAINSHOWER DRIVE 8.250 913.55 80
8.000 913.55 152,000.00
LAS VEGAS NV 89147 1 11/17/99 00
0431658939 05 01/01/00 0
473454 O 12/01/29
0
1957400 420/G02 F 109,500.00 ZZ
360 109,500.00 1
580 VIRGINIA CIRCLE 8.125 813.04 79
7.875 813.04 139,500.00
REDWOOD VALLEY CA 95470 1 11/22/99 00
0431661222 05 01/01/00 0
000431700 O 12/01/29
0
1957449 P59/G02 F 104,000.00 ZZ
360 104,000.00 1
25598 PALO CEDRO DRIVE 8.500 799.67 76
8.250 799.67 137,000.00
MORENO VALLEY CA 92551 1 11/18/99 00
0431667567 05 01/01/00 0
99191125 O 12/01/29
0
1957736 964/G02 F 225,000.00 ZZ
360 225,000.00 1
11176 ED RAU ROAD 8.000 1,650.97 57
7.750 1,650.97 400,000.00
ELK GROVE CA 95758 2 11/24/99 00
0431665835 05 01/01/00 0
67619 O 12/01/29
0
1957783 K79/G02 F 118,800.00 ZZ
360 118,800.00 3
1
14 HUNT STREET 9.500 998.93 90
9.250 998.93 132,000.00
BROCKTON MA 02302 1 12/03/99 14
0431670462 05 01/01/00 30
127440386326 N 12/01/29
0
1958226 E46/G02 F 185,500.00 ZZ
360 185,500.00 3
2 MEADOWVIEW LANE 9.375 1,542.90 70
9.125 1,542.90 265,000.00
UPPER TOWNSHIP NJ 08250 5 11/12/99 00
0431666304 05 01/01/00 0
39554 N 12/01/29
0
1958322 Q11/G02 F 119,000.00 ZZ
360 119,000.00 1
2692 WEST 8 LANE 9.375 989.79 90
9.125 989.79 132,500.00
HIALEAH FL 33010 1 11/12/99 01
0431671775 05 01/01/00 25
9911091523 N 12/01/29
0
2683524 387/600 F 112,500.00 ZZ
360 111,276.21 1
6401 NORTHEAST 76TH STREET 8.500 865.03 90
8.250 865.03 125,000.00
VANCOUVER WA 98661 1 08/26/98 01
306632354 05 10/01/98 25
0001495506 O 09/01/28
0
2683534 387/600 F 137,000.00 ZZ
360 135,691.46 1
1832 EDGEWOOD DRIVE 8.500 1,053.41 90
8.250 1,053.41 152,950.00
CAMANO ISLAND WA 98292 1 08/28/98 01
306631092 03 10/01/98 25
0001518133 O 09/01/28
0
2683571 387/600 F 113,400.00 ZZ
360 111,957.80 1
201 WONDER STREET 7.375 783.23 90
7.125 783.23 126,000.00
RENO NV 89502 1 08/12/98 23
306633307 05 10/01/98 0
1
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0
2788411 623/G02 F 15,000.00 ZZ
360 14,674.07 1
195 BURGUNDY HILL LANE 9.250 123.40 75
9.000 123.40 20,000.00
MIDDLETOWN CT 06457 1 03/11/99 00
0431308360 01 05/01/99 0
1226730 N 04/01/29
0
2796460 F28/G02 F 117,000.00 ZZ
360 116,254.17 1
1007 W MARKET ST 7.250 798.15 89
7.000 798.15 132,000.00
ORRVILLE OH 44667 5 03/11/99 14
0431328863 05 05/01/99 25
4624353 O 04/01/29
0
2799027 526/526 F 36,000.00 ZZ
360 35,782.22 1
10212 REGAL OAKS #D 8.125 267.30 90
7.875 267.30 40,000.00
DALLAS TX 75230 1 02/12/99 12
0363540 01 04/01/99 25
0363540 N 03/01/29
0
2799114 526/526 F 67,500.00 ZZ
360 65,955.02 4
3045 SE50TH COURT 8.000 495.29 90
7.750 495.29 75,000.00
OCALA FL 34471 1 04/06/99 10
0366891 05 05/01/99 25
0366891 N 04/01/29
0
2820397 K08/G02 F 18,000.00 ZZ
360 17,956.18 1
3723 PENNSLYVANIA AVENUE 9.625 153.00 90
9.375 153.00 20,000.00
SAINT LOUIS MO 63118 1 06/03/99 04
0411437577 05 08/01/99 25
0411437577 N 07/01/29
0
1
2820911 K08/G02 F 34,650.00 ZZ
360 34,525.05 2
3208 SW 24TH WAY 8.625 269.50 90
8.375 269.50 38,500.00
GAINESVILLE FL 32608 1 06/04/99 10
0411349855 03 07/01/99 25
0411349855 N 06/01/29
0
2823868 K08/G02 F 68,000.00 ZZ
360 67,801.49 1
655 EAST ROOSEVELT AVENUE 8.750 534.96 80
8.500 534.96 85,000.00
SALT LAKE CITY UT 84105 1 06/09/99 00
0411459019 05 08/01/99 0
0411459019 O 07/01/29
0
2837929 K08/G02 F 66,500.00 ZZ
360 66,310.84 1
9867 E. PEAKVIEW AVENUE # 8.875 529.10 95
8.625 529.10 70,000.00
ENGLEWOOD CO 80111 1 06/30/99 01
0411508302 01 08/01/99 30
0411508302 O 07/01/29
0
2844454 526/526 F 67,500.00 ZZ
360 67,147.31 1
1747 WEST CORTEZ STREET B & C 8.250 507.10 90
8.000 507.10 75,000.00
PHOENIX AZ 85029 1 03/30/99 12
0367606 05 05/01/99 25
0367606 N 04/01/29
0
2844522 526/526 F 108,500.00 ZZ
360 108,044.57 1
308 15TH AVENUE NORTH 7.875 786.70 95
7.625 786.70 115,000.00
SAINT CLOUD MN 56303 2 05/11/99 11
0370989 05 07/01/99 30
0370989 O 06/01/29
0
2844553 526/526 F 76,400.00 ZZ
360 76,090.44 1
2352 EAST RUE DE LAM 8.125 567.27 90
7.875 567.27 84,900.00
1
PHOENIX AZ 85029 1 05/14/99 01
0373136 09 07/01/99 25
0373136 N 06/01/29
0
2844567 526/526 F 28,500.00 ZZ
360 28,308.11 1
5315 PINEWILDE DRIVE 8.375 216.62 95
8.125 216.62 30,000.00
HOUSTON TX 77066 1 06/09/99 01
0373986 01 08/01/99 30
0373986 O 07/01/29
0
2844855 623/G02 F 40,200.00 ZZ
360 40,073.31 1
139 HEATHER RIDGE 8.375 305.55 60
8.125 305.55 67,000.00
SHELTON CT 06484 1 06/14/99 00
0431393040 01 08/01/99 0
1357622 N 07/01/29
0
2847284 K08/G02 F 16,200.00 ZZ
360 16,166.03 1
1223 S 12TH 9.250 133.27 90
9.000 133.27 18,000.00
SPRINGFIELD IL 62703 1 07/14/99 10
0411492606 05 09/01/99 25
0411492606 N 08/01/29
0
2847288 K08/G02 F 20,000.00 ZZ
360 19,959.12 1
500 RIVERSIDE DRIVE EAST 9.375 166.35 67
UNIT # 119 9.125 166.35 30,000.00
AUSTIN TX 78704 1 07/14/99 00
0411501778 01 09/01/99 0
0411501778 N 08/01/29
0
2858343 E22/G02 F 102,400.00 T
360 102,161.76 1
14245 CRYSTAL KEY PLACE 8.750 805.58 80
8.500 805.58 128,015.00
ORLANDO FL 32824 1 07/19/99 00
0411342577 09 09/01/99 0
0411342587 O 08/01/29
0
1
2858999 976/R97 F 56,000.00 ZZ
360 55,809.59 1
609 GALLERY DRIVE #6 8.000 410.91 80
7.750 410.91 70,000.00
WINTER PARK FL 32792 1 06/21/99 00
TO BE ASSIGNED 01 08/01/99 0
5735209 O 07/01/29
0
2863135 074/074 F 125,400.00 ZZ
360 124,138.72 1
1982 NE 4 STREET 7.750 898.38 80
7.500 898.38 156,800.00
DEERFIELD BEACH FL 33441 1 06/24/99 00
1301177138 05 08/01/99 0
1301177138 O 07/01/29
0
2863180 074/074 F 121,500.00 ZZ
360 120,410.19 1
806 TRACE COURT 7.875 880.96 90
7.625 880.96 135,000.00
MANDEVILLE LA 70448 1 06/18/99 12
1539023560 05 08/01/99 25
1539023560 N 07/01/29
0
2863248 074/074 F 118,800.00 ZZ
360 118,444.25 4
846-852 DOUGLAS AVENUE 8.625 924.01 90
8.375 924.01 132,000.00
PROVIDENCE RI 02908 1 06/16/99 11
1814088460 05 08/01/99 25
1814088460 N 07/01/29
0
2863249 074/074 F 225,000.00 ZZ
360 224,358.61 1
1104 B RIDGEFIELD CIRCLE 7.750 1,611.93 75
7.500 1,611.93 300,000.00
CLINTON MA 01510 5 06/29/99 00
1814089553 01 09/01/99 0
1814089553 O 08/01/29
0
2865451 736/G02 F 146,000.00 ZZ
360 145,642.41 1
1
12030 ROCHESTER AVENUE NO. 103 8.500 1,122.62 80
8.250 1,122.62 182,500.00
LOS ANGELES CA 90025 1 07/26/99 00
0431429133 01 09/01/99 0
928957 O 08/01/29
0
2869576 638/G02 F 60,800.00 ZZ
360 60,691.52 1
1032 EAST 400 SOUTH #104B 8.625 472.90 80
8.375 472.90 76,000.00
SALT LAKE CITY UT 84102 1 08/03/99 00
0431425727 01 10/01/99 0
08913720 O 09/01/29
0
2869838 638/G02 F 345,000.00 ZZ
360 344,120.89 1
24208 HERITAGE LANE 8.500 2,652.75 75
8.250 2,652.75 460,000.00
NEWHALL AREA CA 91321 5 07/27/99 00
0431420074 05 09/01/99 0
08910769 O 08/01/29
0
2872005 K08/G02 F 135,650.00 ZZ
360 135,420.17 1
1070 W. THORNBURY PLACE 8.875 1,079.29 80
8.625 1,079.29 169,610.00
HIGHLANDS RANCH CO 80126 1 08/11/99 00
0411515893 03 10/01/99 0
0411515893 O 09/01/29
0
2879447 K08/G02 F 72,400.00 ZZ
360 72,280.45 2
1602 VALLEYRIDGE DRIVE UNITA&B 9.000 582.55 80
8.750 582.55 90,500.00
AUSTIN TX 78704 1 08/18/99 00
0411557713 05 10/01/99 0
0411557713 O 09/01/29
0
2882778 K08/G02 F 16,200.00 ZZ
360 16,175.90 2
2659-61 NORTH 23RD STREET 9.500 136.22 90
9.250 136.22 18,000.00
MILWAUKEE WI 53206 1 08/19/99 01
0411537897 05 10/01/99 25
1
0411537897 N 09/01/29
0
2882913 405/405 F 265,400.00 ZZ
360 264,427.26 1
528 ZORAH STREET 7.625 1,878.49 90
7.375 1,878.49 295,000.00
OAKLAND CA 94606 1 06/09/99 10
11087087 05 08/01/99 25
11087087 O 07/01/29
0
2882947 405/405 F 341,000.00 ZZ
360 340,003.31 1
4555 BLANK ROAD 7.625 2,413.58 90
7.375 2,413.58 379,000.00
SEBASTOPOL CA 95472 1 07/01/99 10
16158982 05 09/01/99 25
16158982 O 08/01/29
0
2882972 405/405 F 104,800.00 ZZ
360 104,617.77 1
4805 CLAYTON ROAD #6 8.750 824.47 90
8.500 824.47 116,500.00
CONCORD CA 94521 1 08/05/99 04
16245599 01 10/01/99 25
16245599 O 09/01/29
0
2884607 K08/G02 F 139,200.00 ZZ
360 138,888.38 1
2710 QUAIL RIDGE DR 9.250 1,145.16 80
8.750 1,145.16 174,000.00
CARROLLTON TX 75006 1 08/20/99 00
0411552342 03 10/01/99 0
0411552342 O 09/01/29
0
2886328 638/G02 F 62,700.00 ZZ
360 62,604.26 1
18620 HATTERAS STREET #151 9.375 521.51 95
9.125 521.51 66,000.00
TARZANA CA 91356 1 08/04/99 10
0431439181 01 10/01/99 30
08913905 O 09/01/29
0
1
2892730 K08/G02 F 16,200.00 ZZ
360 16,177.15 1
1411 S. GRAND AVE 9.750 139.18 90
9.500 139.18 18,000.00
SPRINGFIELD IL 62703 1 08/27/99 04
0411481385 05 10/01/99 25
0411481385 N 09/01/29
0
2892731 K08/G02 F 16,200.00 ZZ
360 16,177.15 1
1105 SOUTH 12TH STREET 9.750 139.18 90
9.500 139.18 18,000.00
SPRINGFIELD IL 62703 1 08/27/99 01
0411481443 05 10/01/99 25
0411481443 N 09/01/29
0
2892771 K08/G02 F 16,650.00 ZZ
360 16,627.12 1
19661 HOYT 9.875 144.58 90
9.625 144.58 18,540.00
DETROIT MI 48205 1 08/27/99 10
0411577281 05 10/01/99 25
0411577281 N 09/01/29
0
2894286 976/976 F 63,000.00 ZZ
360 62,853.39 1
185 INDIAN ROCK ROAD 8.750 495.63 59
8.500 495.63 108,000.00
MERRIMACK NH 03054 1 07/28/99 00
5712777 01 09/01/99 0
5712777 O 08/01/29
0
2894422 976/976 F 57,600.00 ZZ
360 57,465.98 1
200 SANDLEWOOD TRAIL 8.750 453.14 80
8.500 453.14 72,000.00
WINTER PARK FL 32789 1 07/28/99 00
5778466 01 09/01/99 0
5778466 O 08/01/29
0
2894480 976/976 F 73,600.00 ZZ
360 73,475.28 2
1008 26TH AVENUE SOUTHEAST 8.875 585.59 80
8.625 585.59 92,000.00
1
MINNEAPOLIS MN 55414 1 08/23/99 00
5804968 05 10/01/99 0
5804968 N 09/01/29
0
2896869 696/G02 F 491,250.00 ZZ
360 490,395.88 1
37437 QUANBECK LANE 8.750 3,864.67 75
8.500 3,864.67 655,000.00
MIDDLEBURG VA 20117 1 08/31/99 00
0431448844 05 10/01/99 0
50199092 O 09/01/29
0
2897412 K08/G02 F 56,500.00 ZZ
360 56,406.73 2
14921-14923 CENTRAL WOODS 9.000 454.61 95
8.750 454.61 59,500.00
BATON ROUGE LA 70818 1 08/31/99 04
0411590508 05 10/01/99 30
0411590508 O 09/01/29
0
2898661 K08/G02 F 110,550.00 ZZ
360 110,309.48 1
700 COUNTY CORK LANE 8.625 859.85 70
8.375 859.85 157,950.00
LEANDER TX 78641 1 08/24/99 00
0411576812 05 10/01/99 0
0411576812 O 09/01/29
0
2901848 560/560 F 155,800.00 ZZ
360 155,351.44 2
7623 DUBEN AVENUE 9.250 1,281.73 92
9.000 1,281.73 170,000.00
ANCHORAGE AK 99504 1 08/04/99 04
124153305 05 09/01/99 30
124153305 O 08/01/29
0
2901849 560/560 F 89,775.00 ZZ
360 89,630.57 1
2 POST OAK LANE 4 9.125 730.44 95
8.875 730.44 94,500.00
NATICK MA 01760 1 08/05/99 21
124175902 01 10/01/99 30
124175902 O 09/01/29
0
1
2902060 K08/G02 F 64,600.00 ZZ
360 64,529.16 1
22812 HILTON HEAD DRIVE UNIT49 9.000 519.79 95
8.750 519.79 68,000.00
DIAMOND BAR CA 91765 1 09/01/99 04
0411597115 01 11/01/99 30
0411597115 O 10/01/29
0
2902715 163/G02 F 64,800.00 ZZ
360 64,703.63 1
3829 DAVIS PLACE NW #6 9.500 544.87 90
9.250 544.87 72,000.00
WASHINGTON DC 20007 1 08/17/99 04
0431464668 01 10/01/99 25
0217077928 O 09/01/29
0
2905702 696/G02 F 202,400.00 ZZ
360 202,143.63 1
2709 HOLLY STREET 8.625 1,574.25 80
8.375 1,574.25 253,000.00
ALEXANDRIA VA 22305 1 09/09/99 00
0431462431 05 11/01/99 0
22699202 O 10/01/29
0
2906876 526/526 F 33,700.00 ZZ
360 33,560.37 1
8787 BRAE ACRES RD, UNIT 808 8.375 256.14 95
8.125 256.14 35,500.00
HOUSTON TX 77074 1 06/21/99 11
0373690 01 08/01/99 30
0373690 O 07/01/29
0
2911898 638/G02 F 348,000.00 ZZ
360 347,379.18 1
1836 EAGLE PEAK AVENUE 8.625 2,706.71 80
8.375 2,706.71 435,000.00
CLAYTON CA 94517 1 08/12/99 00
0431471903 05 10/01/99 0
8916804 O 09/01/29
0
2912293 638/G02 F 239,000.00 ZZ
360 238,562.57 1
1
203 UNION STREET 8.500 1,837.70 76
8.250 1,837.70 315,000.00
NORWOOD MA 02062 2 08/25/99 00
0431472059 05 10/01/99 0
08920097 O 09/01/29
0
2920213 K08/G02 F 69,300.00 ZZ
360 69,215.57 1
1561 FIFTH SQ 9.000 557.60 90
8.750 557.60 77,000.00
MUSKEGON MI 49441 1 09/17/99 04
0411612880 05 11/01/99 25
0411612880 O 10/01/29
0
2920878 369/G02 F 41,950.00 ZZ
360 40,829.42 1
326 KENTUCKY STREET 9.000 337.54 70
8.750 337.54 60,000.00
VALLEJO CA 94590 1 07/06/99 00
0431514389 05 09/01/99 0
71548028 N 08/01/29
0
2921045 601/G02 F 308,000.00 ZZ
360 307,491.49 1
353 DEARBORN STREET 9.000 2,478.24 80
8.750 2,478.24 385,000.00
PASADENA CA 91104 1 08/27/99 00
0431500800 05 10/01/99 0
14054514 O 09/01/29
0
2926287 K08/G02 F 127,500.00 ZZ
360 127,352.76 1
3015 ADAMS ST 8.750 1,003.04 90
8.500 1,003.04 143,000.00
BELLWOOD IL 60104 2 09/17/99 04
0411600794 05 11/01/99 25
0411600794 O 10/01/29
0
2927455 455/G02 F 114,000.00 ZZ
360 113,884.41 1
2016 PALMETTO BAY 9.375 948.20 64
UNIT 201 9.125 948.20 178,500.00
HILTON HEAD ISL SC 29928 1 09/29/99 00
0431548510 01 11/01/99 0
1
86257 N 10/01/29
0
2927683 637/G02 F 159,300.00 ZZ
360 159,036.98 1
713 715 717 NEVADA ST 9.000 1,281.77 90
8.750 1,281.77 177,000.00
MANTECA CA 95337 1 08/19/99 14
0431542406 05 10/01/99 25
0016915522 N 09/01/29
0
2927696 637/G02 F 220,850.00 ZZ
360 220,607.83 4
34 NORTH 400 EAST 9.000 1,777.01 95
8.750 1,777.01 232,500.00
PROVO UT 84606 1 09/28/99 12
0431577899 05 11/01/99 30
0012486098 O 10/01/29
0
2928689 K08/G02 F 61,750.00 ZZ
360 60,980.49 1
5616 B PRESTON OAKS ROAD 8.875 491.31 95
UNIT 208 8.625 491.31 65,000.00
DALLAS TX 75240 1 08/27/99 10
0411587579 01 10/01/99 30
0411587579 O 09/01/29
0
2928697 K08/G02 F 220,500.00 ZZ
360 220,251.85 1
3623 MCKINLEY BOULEVARD 8.875 1,754.40 70
8.625 1,754.40 315,000.00
SACRAMENTO CA 95816 1 09/14/99 00
0411599376 05 11/01/99 0
0411599376 O 10/01/29
0
2932575 940/G02 F 52,000.00 ZZ
360 51,947.27 1
28082 CHULA VISTA DRIVE 9.375 432.51 80
9.125 432.51 65,000.00
SUN CITY CA 92586 1 09/30/99 00
0431512086 09 11/01/99 0
WH1054 N 10/01/29
0
1
2932698 638/G02 F 332,400.00 ZZ
360 332,035.50 1
442 RANCHO LA MIRADA LANE 9.000 2,674.57 95
8.750 2,674.57 349,900.00
ESCONDIDO CA 92025 1 09/15/99 10
0431508662 05 11/01/99 30
008927160 O 10/01/29
0
2932724 623/G02 F 39,650.00 ZZ
360 39,503.32 1
8022 HEMLOCK 8.500 304.87 65
8.250 304.87 61,000.00
OVERLAND PARK KS 66210 2 06/03/99 00
0431509538 05 07/01/99 0
1357480 N 06/01/29
0
2932750 623/G02 F 103,600.00 ZZ
360 103,437.63 1
405 SABLE LANE 9.250 852.29 70
9.000 852.29 148,000.00
STATESBORO GA 30458 2 08/31/99 00
0431512193 05 10/01/99 0
1383618 N 09/01/29
0
2932753 623/G02 F 122,000.00 ZZ
360 121,798.58 1
139 MANGROVE CT 9.000 981.64 71
8.750 981.64 171,994.00
ROYAL PALM BEAC FL 33411 1 08/30/99 00
0431512243 03 10/01/99 0
1383865 O 09/01/29
0
2932760 623/G02 F 97,500.00 ZZ
360 97,330.50 1
308 FOSTER AVENUE 8.750 767.03 75
8.500 767.03 130,000.00
COEUR D ALENE ID 83814 5 08/26/99 00
0431511898 05 10/01/99 0
1681210 O 09/01/29
0
2932937 638/G02 F 414,400.00 ZZ
360 413,757.23 1
278 SILVERLAKE DRIVE 8.750 3,260.09 80
8.500 3,260.09 518,000.00
1
MILPITAS CA 95035 1 09/08/99 00
0431510528 03 11/01/99 0
008923873 O 10/01/29
0
2933206 623/G02 F 157,200.00 ZZ
360 156,805.08 4
3217 ARLENE WAY 8.375 1,194.83 80
8.125 1,194.83 196,500.00
LAS VEGAS NV 89108 1 07/30/99 00
0431509736 05 09/01/99 0
1309010 N 08/01/29
0
2933212 623/G02 F 125,100.00 ZZ
360 124,888.05 1
1745 THORNAPPLE LANE 8.875 995.35 90
8.625 995.35 139,000.00
ALGONQUIN IL 60102 1 08/30/99 10
0431509751 05 10/01/99 25
1367647 N 09/01/29
0
2934125 K08/G02 F 61,750.00 ZZ
360 61,678.68 1
69A NICHOLAS ROAD 8.750 485.79 95
8.500 485.79 65,000.00
FRAMINGHAM MA 01701 1 09/27/99 04
0411592728 01 11/01/99 30
0411592728 O 10/01/29
0
2934768 B37/G02 F 305,600.00 ZZ
360 305,237.84 1
2708 WISDOM CREEK DRIVE 8.625 2,376.93 80
8.375 2,376.93 382,000.00
FLOWER MOUND TX 75022 1 09/23/99 00
0431512037 05 11/01/99 0
0376174 O 10/01/29
0
2937271 074/074 F 122,500.00 ZZ
360 122,292.43 3
98 DIVISION AVENUE 8.875 974.67 95
8.625 974.67 129,000.00
SHELTON CT 06484 1 08/31/99 11
1580167031 05 10/01/99 30
1580167031 O 09/01/29
0
1
2937275 074/074 F 148,500.00 ZZ
360 148,025.62 4
221 MARSHALL ROAD 8.875 1,181.54 90
8.625 1,181.54 165,000.00
PLATTE CITY MO 64079 1 08/16/99 14
1583236221 05 10/01/99 25
1583236221 O 09/01/29
0
2937276 074/074 F 112,500.00 ZZ
360 112,332.66 4
3201 POLK STREET NE 9.500 945.97 90
9.250 945.97 125,000.00
MINNEAPOLIS MN 55409 1 09/02/99 14
1583239092 05 10/01/99 25
1583239092 O 09/01/29
0
2938301 K08/G02 F 184,300.00 ZZ
360 184,103.09 1
204 WALNUT STREET 9.125 1,499.53 95
8.875 1,499.53 194,000.00
MIDDLETOWN NJ 07716 1 09/29/99 04
0411624711 05 11/01/99 30
0411624711 O 10/01/29
0
2938306 K08/G02 F 131,950.00 ZZ
360 131,809.03 1
1701 SOUTH FLAGLER DRIVE 9.125 1,073.59 90
UNIT #308 8.875 1,073.59 146,635.00
WEST PALM BEACH FL 33401 1 09/29/99 10
0411635055 06 11/01/99 25
0411635055 O 10/01/29
0
2941489 K08/G02 F 109,100.00 ZZ
360 108,989.37 2
210 SOUTH 8TH AVENUE 9.375 907.44 95
9.125 907.44 114,900.00
MANVILLE NJ 08835 1 09/30/99 10
0411547912 05 11/01/99 30
0411547912 O 10/01/29
0
2941504 K08/G02 F 117,900.00 ZZ
360 117,777.29 1
1
57 MEADOW POND ROAD 9.250 969.93 90
9.000 969.93 131,000.00
HARDYSTON NJ 07418 1 09/30/99 04
0411593544 09 11/01/99 25
0411593544 O 10/01/29
0
2941507 K08/G02 F 264,000.00 ZZ
360 263,587.26 3
534 WEST DEMPSTER AVENUE 8.875 2,100.50 80
8.625 2,100.50 330,000.00
MOUNT PROSPECT IL 60056 1 09/30/99 00
0411598733 05 11/01/99 0
0411598733 O 10/01/29
0
2941510 K08/G02 F 60,450.00 ZZ
360 60,381.97 1
31821 118TH PLACE SOUTHEAST 8.875 480.97 65
8.625 480.97 93,000.00
AUBURN WA 98092 5 09/24/99 00
0411607013 05 11/01/99 0
0411607013 N 10/01/29
0
2941517 K08/G02 F 94,900.00 ZZ
360 94,790.59 1
26129 172ND AVENUE SOUTHEST 8.875 755.07 65
8.625 755.07 146,000.00
KENT WA 98042 2 09/23/99 00
0411614316 05 11/01/99 0
0411614316 N 10/01/29
0
2941521 K08/G02 F 51,200.00 ZZ
360 51,140.87 1
1974 GLADSTONE 8.750 402.79 80
8.500 402.79 64,000.00
DETROIT MI 48206 5 09/30/99 00
0411617103 05 11/01/99 0
0411617103 N 10/01/29
0
2941525 K08/G02 F 88,350.00 ZZ
360 88,250.58 1
7607 EAST 118TH STREET 8.875 702.95 95
8.625 702.95 93,000.00
KANSAS CITY MO 64134 2 09/24/99 04
0411623093 05 11/01/99 30
1
0411623093 O 10/01/29
0
2941531 K08/G02 F 109,250.00 ZZ
360 109,090.99 2
1144 ELM 9.500 918.63 95
9.250 918.63 115,000.00
WYANDOTTE MI 48192 1 09/30/99 04
0411626641 05 11/01/99 30
0411626641 O 10/01/29
0
2943344 455/G02 F 55,600.00 ZZ
360 55,545.08 1
1430 WISDOM WAY 9.500 467.52 65
9.250 467.52 86,000.00
AUSTELL GA 30106 2 09/29/99 00
0431524297 05 11/01/99 0
86145 N 10/01/29
0
2944163 K08/G02 F 74,100.00 ZZ
360 74,014.41 1
2217 SOUTH BUCKLEY ROAD, # 201 8.750 582.95 95
8.500 582.95 78,000.00
AURORA CO 80013 1 09/30/99 10
0411606007 01 11/01/99 30
0411606007 O 10/01/29
0
2944175 K08/G02 F 75,500.00 T
360 75,417.21 1
RT 1 BOX 215-DD 9.000 607.49 60
8.750 607.49 126,000.00
DAVIS OK 73031 5 09/29/99 00
0411631062 05 11/01/99 0
0411631062 O 10/01/29
0
2944178 K08/G02 F 57,600.00 ZZ
360 57,536.84 1
7665 EAST EASTMAN AVE.UNIT#106 9.000 463.46 90
8.750 463.46 64,000.00
DENVER CO 80231 1 10/01/99 04
0411637986 01 11/01/99 25
0411637986 O 10/01/29
0
1
2944241 696/G02 F 134,900.00 ZZ
360 134,759.59 1
3900 WHEAT COURT 9.250 1,109.79 54
9.000 1,109.79 249,900.00
ALEXANDRIA VA 22311 1 09/30/99 00
0431520113 05 11/01/99 0
22899157 N 10/01/29
0
2944606 455/G02 F 210,140.00 ZZ
360 209,932.44 1
1604 OCEAN RD 9.500 1,766.98 70
9.250 1,766.98 300,300.00
SAINT SIMONS IS GA 31522 1 09/30/99 00
0431523331 05 11/01/99 0
10000183 N 10/01/29
0
2945802 623/G02 F 70,000.00 ZZ
360 69,747.56 1
7450 S EASTERN AVENUE 8.625 544.45 75
8.375 544.45 94,500.00
LAS VEGAS NV 89123 1 05/27/99 00
0431542323 01 07/01/99 0
1308541 O 06/01/29
0
2945806 623/G02 F 63,200.00 ZZ
360 63,098.32 1
5623 SPRING WATCH 9.125 514.22 80
8.875 514.22 79,000.00
SAN ANTONIO TX 78247 2 08/18/99 00
0431543404 05 10/01/99 0
1336325 O 09/01/29
0
2945818 623/G02 F 142,500.00 ZZ
360 142,339.65 1
55 SOUTH HILL DRIVE 8.875 1,133.79 75
8.625 1,133.79 190,000.00
CRANSTON RI 02920 1 09/02/99 00
0431539063 05 11/01/99 0
1367381 O 10/01/29
0
2945820 623/G02 F 251,400.00 ZZ
360 250,903.29 1
685 PONTE VEDRA BOULEVAR 8.125 1,866.64 56
7.875 1,866.64 450,000.00
1
PONTE VEDRA BEA FL 32082 5 08/30/99 00
0431539097 01 10/01/99 0
1368364 N 09/01/29
0
2945823 623/G02 F 79,200.00 ZZ
360 79,115.38 1
3409 SUMMIT ROAD 9.125 644.40 80
8.875 644.40 99,000.00
AKRON OH 44203 1 09/01/99 00
0431539196 05 11/01/99 0
1370040 O 10/01/29
0
2945825 623/G02 F 322,000.00 ZZ
360 321,454.42 1
4627 ROSEWOOD 8.875 2,561.98 80
8.625 2,561.98 402,900.00
WEST BLOMFIELD MI 48323 1 08/26/99 00
0431539279 05 10/01/99 0
1370176 O 09/01/29
0
2945843 623/G02 F 55,100.00 ZZ
360 54,996.53 1
160 NORTH 500 WEST 8.375 418.80 80
8.125 418.80 68,900.00
VERNAL UT 84078 1 08/13/99 00
0431545797 05 10/01/99 0
1470894 O 09/01/29
0
2945848 623/G02 F 55,800.00 ZZ
360 55,724.87 1
14911 WONDERLICH 8.000 409.44 90
7.750 409.44 62,000.00
HOUSTON TX 77069 1 09/10/99 11
0431545995 01 11/01/99 25
5217906 O 10/01/29
0
2945852 623/G02 F 154,375.00 ZZ
360 154,201.26 1
8405 SUNSET COVE 8.875 1,228.28 50
8.625 1,228.28 310,000.00
FORT WORTH TX 76179 2 09/03/99 00
0431542984 05 11/01/99 0
5219485 O 10/01/29
0
1
2945853 623/G02 F 118,400.00 ZZ
360 118,259.70 1
1248 WILLOW BRANCH DRIVE 8.625 920.90 80
8.375 920.90 148,000.00
LEAGUE CITY TX 77573 1 09/10/99 00
0431546191 03 11/01/99 0
5219696 O 10/01/29
0
2945862 623/G02 F 66,450.00 ZZ
360 66,375.21 1
4760 DONNA DRIVE 8.875 528.71 75
8.625 528.71 88,650.00
PRESCOTT AZ 86301 1 09/02/99 00
0431546621 05 11/01/99 0
6317300 O 10/01/29
0
2945864 623/G02 F 117,800.00 ZZ
360 117,605.50 2
724-72 MARGARET AVENUE 9.000 947.85 95
8.750 947.85 124,000.00
LOS ANGELES AR CA 90022 1 08/30/99 10
0431546357 05 10/01/99 30
6318479 O 09/01/29
0
2945867 623/G02 F 195,000.00 ZZ
360 194,774.80 1
1851 CHESTNUT STREET 8.750 1,534.07 65
8.500 1,534.07 300,000.00
SANTA CLARA CA 95054 5 09/13/99 00
0431546597 05 11/01/99 0
6399367 O 10/01/29
0
2945965 K15/G02 F 61,700.00 ZZ
360 61,650.06 1
105 S 7TH ST 10.250 552.89 95
10.000 552.89 65,000.00
GOSHEN IN 46528 2 09/24/99 10
0431550359 05 11/01/99 30
03405300121 O 10/01/29
0
2948063 K15/G02 F 71,900.00 ZZ
360 71,748.38 1
1
2430 POPLAR ST 9.225 590.20 90
8.975 590.20 80,000.00
PUEBLO CO 81004 2 07/27/99 10
0431578160 05 09/01/99 25
021805415560 O 08/01/29
0
2948132 K15/G02 F 92,700.00 ZZ
360 92,592.95 1
3230 OZARK CIR 8.750 729.27 80
8.500 729.27 116,000.00
CHATTANOOGA TN 37415 5 09/10/99 00
0431578095 05 11/01/99 0
003405419148 O 10/01/29
0
2948142 K15/G02 F 107,500.00 ZZ
360 107,375.21 1
S-5251 SOUTHCREST AVENUE 8.725 843.78 87
8.475 843.78 124,000.00
HAMBURG NY 14075 5 09/08/99 10
0431575976 05 11/01/99 25
023605300038 O 10/01/29
0
2949186 K15/G02 F 89,900.00 ZZ
360 89,795.74 1
1195 FAWNLEA DR 8.730 705.96 90
8.480 705.96 100,000.00
CORYDON IN 47112 5 09/02/99 10
0431576040 05 11/01/99 25
003410005300064 O 10/01/29
0
2949223 K15/G02 F 56,000.00 ZZ
240 55,741.72 1
460 ADAMS HAMMOCK RD 8.850 498.46 85
8.600 498.46 66,000.00
LYONS GA 30436 5 08/24/99 10
0431576263 05 10/01/99 12
001520005300097 O 09/01/19
0
2949263 K08/G02 F 55,000.00 ZZ
360 54,941.24 1
4446 MILL CREEK ROAD 9.125 447.50 22
8.875 447.50 250,000.00
DALLAS TX 75244 5 10/05/99 00
0411624166 05 11/01/99 0
1
0411624166 N 10/01/29
0
2949264 K08/G02 F 76,000.00 ZZ
360 75,918.81 1
2229 CHEROKEE PARKWAY UNIT #C 9.125 618.36 95
8.875 618.36 80,000.00
LOUISVILLE KY 40205 1 09/29/99 14
0411624448 01 11/01/99 30
0411624448 O 10/01/29
0
2950740 637/G02 F 121,500.00 T
360 121,366.76 1
171 AUGUSTA ROAD 9.000 977.62 90
8.750 977.62 135,000.00
LIBERTY ME 04949 1 09/17/99 11
0431542281 05 11/01/99 25
0017773243 O 10/01/29
0
2951981 K08/G02 F 146,000.00 T
360 145,916.00 1
131 ADAMS DRIVE 8.750 1,148.58 65
8.500 1,148.58 226,000.00
MONTAUK NY 11954 5 10/06/99 00
0411600943 05 12/01/99 0
0411600943 O 11/01/29
0
2951987 K08/G02 F 113,000.00 ZZ
360 112,876.10 1
13308 WEST GREENFIELD ROAD 9.000 909.22 75
8.750 909.22 152,000.00
NINE MILE FALLS WA 99026 2 09/28/99 00
0411616782 05 11/01/99 0
0411616782 N 10/01/29
0
2951993 K08/G02 F 83,100.00 ZZ
360 83,013.51 4
6800 WEST CORONET COURT 9.250 683.64 95
UNIT A-D 9.000 683.64 87,500.00
NEW ORLEANS LA 70126 1 10/06/99 04
0411627862 05 12/01/99 30
0411627862 O 11/01/29
0
1
2952002 K08/G02 F 69,300.00 ZZ
360 69,260.13 1
11613 BALSAM DRIVE 8.750 545.18 90
8.500 545.18 77,000.00
ROYAL PALM BEAC FL 33411 1 10/06/99 10
0411641665 05 12/01/99 25
0411641665 O 11/01/29
0
2952166 950/G02 F 93,600.00 ZZ
360 93,550.19 1
425 VINE STREET UNIT 507 9.125 761.56 90
8.875 761.56 104,000.00
SEATTLE WA 98101 1 10/01/99 14
0431541366 08 12/01/99 25
107990916023 N 11/01/29
0
2952267 J86/G02 F 57,250.00 ZZ
360 57,220.32 1
49 PARK AVENUE UNIT 21 9.250 470.98 79
9.000 470.98 72,500.00
BLOOMFIELD NJ 07003 1 10/07/99 00
0431594670 08 12/01/99 0
0011972 O 11/01/29
0
2952864 638/G02 F 113,000.00 ZZ
360 112,869.50 1
17748 NORWALK BOULEVARD 8.750 888.97 65
8.500 888.97 174,000.00
ARTESIA CA 90701 2 09/24/99 00
0431543644 05 11/01/99 0
08927255 N 10/01/29
0
2953043 638/G02 F 116,850.00 ZZ
360 116,734.59 3
71 75 SPRING STREET 9.500 982.54 95
9.250 982.54 123,000.00
WEST SPRINGFIEL MA 01089 1 09/23/99 14
0431538230 05 11/01/99 30
08923696 O 10/01/29
0
2955119 638/G02 F 196,000.00 ZZ
360 195,689.03 1
7 MAYMONT DRIVE 8.625 1,524.47 80
8.375 1,524.47 245,000.00
1
FRAMINGHAM MA 01701 1 09/28/99 00
0431538958 05 11/01/99 0
0892874 O 10/01/29
0
2957371 E82/G02 F 93,000.00 ZZ
360 92,947.86 4
7714 MARTIN LUTHER KING WAY S 8.875 739.95 45
8.625 739.95 210,000.00
SEATTLE WA 98118 5 10/06/99 00
0400230991 05 12/01/99 0
0400230991 N 11/01/29
0
2957720 K08/G02 F 100,000.00 ZZ
360 99,936.23 1
613 CIMMARON STRIP 8.250 751.27 80
8.000 751.27 125,000.00
LEWISVILLE TX 75077 1 10/08/99 00
0411644321 05 12/01/99 0
0411644321 O 11/01/29
0
2957725 K08/G02 F 74,600.00 ZZ
360 74,561.32 1
9723 HIGHLAND VIEW DRIVE 9.250 613.72 75
9.000 613.72 99,500.00
DALLAS TX 75238 1 10/08/99 00
0411651425 03 12/01/99 0
0411651425 N 11/01/29
0
2958474 638/G02 F 129,400.00 ZZ
360 129,246.65 1
4815 146TH STREET NW 8.625 1,006.46 80
8.375 1,006.46 161,750.00
GIG HARBOR WA 98332 1 09/21/99 00
0431593680 05 11/01/99 0
08926309 O 10/01/29
0
2958657 737/G02 F 124,450.00 T
360 124,387.16 1
8245 E BELL RD #135 9.375 1,035.11 90
9.125 1,035.11 138,282.00
SCOTTSDALE AZ 85260 1 09/30/99 10
0431611052 01 12/01/99 25
962395 O 11/01/29
0
1
2958830 737/G02 F 134,350.00 T
360 134,282.15 1
8245 E BELL RD #136 9.375 1,117.46 90
9.125 1,117.46 149,322.00
SCOTTSDALE AZ 85260 1 09/30/99 10
0431557909 01 12/01/99 25
962394 O 11/01/29
0
2959544 196/G02 F 32,300.00 ZZ
360 32,263.64 1
1375 ANDRUS STREET 8.875 257.00 47
8.625 257.00 69,000.00
AKRON OH 44301 2 09/08/99 00
0431558865 05 11/01/99 0
1344612 N 10/01/29
0
2959566 196/G02 F 81,000.00 T
360 80,859.17 1
779 BURNT MILL ROAD 8.750 637.23 75
8.500 637.23 108,000.00
LAKE ARROWHEAD CA 92352 1 08/25/99 00
0431556075 03 10/01/99 0
1344055 O 09/01/29
0
2960367 526/526 F 137,200.00 ZZ
360 135,913.90 1
5520 EAST KELTON LN 8.750 1,079.36 80
8.500 1,079.36 171,500.00
SCOTTSDALE AZ 85254 2 09/03/99 00
0380961 03 11/01/99 0
0380961 O 10/01/29
0
2960386 526/526 F 100,800.00 ZZ
360 100,683.58 1
5807 SE 89TH AVE 8.750 793.00 80
8.500 793.00 126,000.00
PORTLAND OR 97266 1 09/13/99 00
0382321 05 11/01/99 0
0382321 O 10/01/29
0
2962108 K08/G02 F 260,000.00 ZZ
360 259,857.98 1
1
5228 S KING DR 9.000 2,092.02 80
8.750 2,092.02 325,000.00
CHICAGO IL 60615 5 10/05/99 00
0411617194 05 12/01/99 0
0411617194 O 11/01/29
0
2962112 K08/G02 F 324,000.00 ZZ
360 323,808.71 1
1913 FARRELL AVENUE UNIT B 8.625 2,520.04 80
8.375 2,520.04 405,000.00
REDONDO BEACH CA 90278 1 10/01/99 00
0411625304 01 12/01/99 0
0411625304 O 11/01/29
0
2962126 K08/G02 F 86,450.00 ZZ
360 86,400.26 4
7525-31 OAK CHASE 8.750 680.10 65
8.500 680.10 133,000.00
SAN ANTONIO TX 78239 5 10/08/99 00
0411641897 05 12/01/99 0
0411641897 N 11/01/29
0
2962768 E82/G02 F 58,900.00 ZZ
360 58,866.11 1
309 INTERSTATE PARKWAY 8.750 463.37 95
8.500 463.37 62,000.00
BRADFORD PA 16701 1 10/14/99 04
0400232989 05 12/01/99 30
0400232989 O 11/01/29
0
2962770 E82/G02 F 61,600.00 ZZ
360 61,564.56 1
JOHN KENNEDY ROAD 8.750 484.61 80
8.500 484.61 77,000.00
CUSTER KY 40115 2 10/08/99 00
0400176806 05 12/01/99 0
0400176806 O 11/01/29
0
2964360 287/287 F 193,500.00 ZZ
360 193,026.09 4
1900 S HARVEY 8.500 1,487.85 90
8.250 1,487.85 215,000.00
BERWYN IL 60402 1 07/22/99 11
8246894 05 09/01/99 25
1
8246894 O 08/01/29
0
2964412 287/287 F 111,500.00 ZZ
360 111,371.21 3
98 KING AVENUE 8.750 877.18 90
8.500 877.18 125,250.00
COLUMBUS OH 43201 1 09/10/99 11
8399859 05 11/01/99 25
8399859 O 10/01/29
0
2964416 287/287 F 325,600.00 ZZ
360 325,033.89 1
9710 E SAN SALVADOR DRIVE 8.750 2,561.50 80
8.500 2,561.50 407,000.00
SCOTTSDALE AZ 85258 1 08/06/99 00
8469611 05 10/01/99 0
8469611 O 09/01/29
0
2964424 287/287 F 394,200.00 ZZ
360 393,514.62 1
47460 MIDDLE BLUFF PLACE 8.750 3,101.18 90
8.500 3,101.18 438,000.00
STERLING VA 20165 1 08/31/99 14
8844466 03 10/01/99 25
8844466 O 09/01/29
0
2964427 287/287 F 166,500.00 ZZ
360 166,225.10 4
6751 SOUTHERN SPRINGS DRIVE 9.000 1,339.70 90
8.750 1,339.70 185,000.00
MORROW GA 30260 1 08/27/99 11
8849697 05 10/01/99 25
8849697 O 09/01/29
0
2964428 287/287 F 166,500.00 ZZ
360 166,225.10 4
6791 SOUTHERN SPRINGS DRIVE 9.000 1,339.70 90
8.750 1,339.70 185,000.00
MORROW GA 30260 1 08/27/99 14
8849945 05 10/01/99 25
8849945 O 09/01/29
0
1
2964432 287/287 F 117,000.00 ZZ
360 116,861.34 1
3308 JEFFERSON STREET 8.625 910.02 90
8.375 910.02 130,000.00
AUSTIN TX 78703 1 09/09/99 11
8892614 05 11/01/99 25
8892614 O 10/01/29
0
2967216 L14/G02 F 269,217.00 ZZ
360 268,921.77 1
141 RUSHMORE DRIVE 9.000 2,166.19 90
8.750 2,166.19 299,130.00
BARTLETT IL 60103 1 09/09/99 11
0431569169 03 11/01/99 25
101213682 O 10/01/29
0
2967558 K08/G02 F 65,000.00 ZZ
360 64,968.86 4
504 GADSDEN ROAD 9.625 552.49 87
9.375 552.49 75,000.00
JACKSONVILLE AL 36265 2 10/14/99 04
0411607047 05 12/01/99 20
0411607047 N 11/01/29
0
2967559 K08/G02 F 83,200.00 ZZ
360 83,146.95 1
4816 NORTH CASCADES STREET 8.250 625.05 80
8.000 625.05 104,000.00
FORT WORTH TX 76137 1 10/14/99 00
0411612310 03 12/01/99 0
0411612310 O 11/01/29
0
2967577 K08/G02 F 153,000.00 ZZ
360 152,909.67 1
3 EAST BAIRD MOUNTAIN ROAD 8.625 1,190.02 90
8.375 1,190.02 170,000.00
ASHEVILLE NC 28804 1 10/14/99 04
0411656374 05 12/01/99 25
0411656374 O 11/01/29
0
2967962 F32/G02 F 167,000.00 ZZ
360 166,906.37 2
1850 NEW YORK AVENUE 8.875 1,328.73 75
8.625 1,328.73 225,000.00
1
ATLANTA GA 30307 2 10/13/99 00
0431555077 05 12/01/99 0
40513776 O 11/01/29
0
2968602 638/G02 F 269,100.00 ZZ
360 268,827.14 3
285 E STREET 9.375 2,238.24 90
9.125 2,238.24 299,000.00
SOUTH BOSTON MA 02127 1 09/30/99 14
0431633940 05 11/01/99 25
8928799 N 10/01/29
0
2970060 K08/G02 F 207,900.00 ZZ
360 207,777.26 1
6502 DUFFIELD DRIVE 8.625 1,617.02 80
8.375 1,617.02 259,900.00
DALLAS TX 75252 1 10/15/99 00
0411544802 05 12/01/99 0
0411544802 O 11/01/29
0
2970082 K08/G02 F 100,900.00 ZZ
360 100,734.00 1
27 TOLEDO LANE 8.125 749.18 76
7.875 749.18 133,000.00
WILLINGBORO NJ 08046 2 10/11/99 00
0411641343 05 12/01/99 0
0411641343 O 11/01/29
0
2970096 K08/G02 F 74,150.00 ZZ
360 74,109.50 1
5309 HOLLOW BEND LANE 9.000 596.63 80
8.750 596.63 93,500.00
GARLAND TX 75043 1 10/15/99 00
0411665086 05 12/01/99 0
0411665086 O 11/01/29
0
2971607 L14/G02 F 423,000.00 ZZ
360 422,536.15 1
17555 COLLINS AVE UNIT 702 9.000 3,403.56 90
8.750 3,403.56 470,000.00
SUNNY ISLES BEA FL 33160 1 09/21/99 14
0431583210 06 11/01/99 25
215804495 O 10/01/29
0
1
2973559 F42/G02 F 30,000.00 ZZ
360 29,984.44 1
206 NORTH OAKS BLVD 9.250 246.81 64
9.000 246.81 47,000.00
NORTH BRUNSWICK NJ 08902 1 10/08/99 00
0431568906 01 12/01/99 0
NJ02421 N 11/01/29
0
2974018 076/076 F 45,000.00 ZZ
360 44,878.03 1
524 TIFFANY ST 8.000 330.19 60
7.750 330.19 76,000.00
SPRINGFIELD MA 01108 1 07/23/99 00
7397361 05 09/01/99 0
7397361 N 08/01/29
0
2974038 076/076 F 400,000.00 ZZ
360 399,112.53 3
41-31 71ST ST 9.000 3,218.50 89
8.750 3,218.50 450,000.00
WOODSIDE NY 11377 1 08/16/99 10
1279416 05 10/01/99 25
1279416 O 09/01/29
0
2974044 076/076 F 34,000.00 ZZ
360 33,918.84 1
61 POPLAR AVE 8.625 264.45 62
8.375 264.45 55,000.00
NEWARK OH 43055 5 07/12/99 00
1826265 05 09/01/99 0
1826265 N 08/01/29
0
2974680 K08/G02 F 75,000.00 T
360 74,965.01 1
6021 STATE HIGHWAY 361 #502 9.750 644.37 75
9.500 644.37 100,000.00
MUSTANG ISLAND TX 78373 1 10/14/99 00
0411644610 20 12/01/99 0
0411644610 O 11/01/29
0
2975795 736/G02 F 116,000.00 ZZ
180 115,934.97 1
1
5231 WEST 4250 SOUTH 8.875 922.95 80
8.625 922.95 145,000.00
HOOPER UT 84315 5 10/06/99 00
0431583590 05 12/01/99 0
100001262 O 11/01/14
0
2975801 736/G02 F 95,500.00 ZZ
180 95,395.27 1
535 WINTER CAMP TRAIL 9.000 768.42 75
8.750 768.42 127,380.00
HEDGESVILLE WV 25427 1 10/01/99 00
0431583459 03 11/01/99 0
919707 O 10/01/14
0
2975802 736/G02 F 70,000.00 ZZ
180 69,927.12 1
6313 SKUNK HOLLOW ROAD 9.250 575.88 64
9.000 575.88 110,000.00
FLORENCE OR 97439 5 09/24/99 00
0431583467 05 11/01/99 0
923251 N 10/01/14
0
2975804 736/G02 F 61,500.00 ZZ
180 61,430.77 1
0167 ARGENTINE COURT #1451 8.875 489.33 44
8.625 489.33 140,000.00
KEYSTONE CO 80435 1 09/30/99 00
0431583665 01 11/01/99 0
934305 N 10/01/14
0
2975806 736/G02 F 164,500.00 T
180 164,405.35 1
14422 IRIS LEE LANE 8.750 1,294.13 72
8.500 1,294.13 230,000.00
PENN VALLEY CA 95946 1 10/01/99 00
0431583822 05 12/01/99 0
936804 O 11/01/14
0
2975807 736/G02 F 204,000.00 ZZ
180 203,894.24 2
42 POCANTICO STREET 9.250 1,678.26 80
9.000 1,678.26 255,000.00
SLEEPY HOLLOW NY 10591 1 10/05/99 00
0431583897 05 12/01/99 0
1
939398 O 11/01/14
0
2975812 736/G02 F 129,600.00 ZZ
180 129,472.00 4
415 EAST PARK AVENUE 9.500 1,089.75 80
9.250 1,089.75 162,000.00
SAVANNAH GA 31401 1 10/07/99 00
0431587062 05 11/01/99 0
941231 N 10/01/14
0
2975822 736/G02 F 149,900.00 ZZ
180 149,830.06 1
2267 WAILEA WAY 9.750 1,287.88 75
9.500 1,287.88 199,900.00
SAN DIEGO CA 92154 1 10/06/99 00
0431586890 05 12/01/99 0
944804 O 11/01/14
0
2975827 736/G02 F 372,000.00 ZZ
180 371,581.36 2
1116 CYPRESS AVENUE 8.875 2,959.80 80
8.625 2,959.80 465,000.00
SAN MATEO CA 94401 1 09/27/99 00
0431583681 05 11/01/99 0
946002 O 10/01/14
0
2975829 736/G02 F 82,500.00 ZZ
180 82,464.46 1
6701 S. CRANDON, #2B 10.125 731.63 75
9.875 731.63 110,000.00
CHICAGO IL 60649 1 10/05/99 00
0431583632 06 12/01/99 0
947990 O 11/01/14
0
2975833 736/G02 F 315,000.00 ZZ
360 314,827.93 1
1727 JACK RABBIT RIDGE 9.000 2,534.57 75
8.750 2,534.57 420,000.00
SCOTTS VALLEY CA 95066 1 10/11/99 00
0431583509 05 12/01/99 0
949633 O 11/01/29
0
1
2975836 736/G02 F 216,000.00 ZZ
180 215,786.66 2
809 FLEMING STREET 9.500 1,816.25 75
9.250 1,816.25 288,000.00
KEY WEST FL 33040 1 09/30/99 00
0431583608 05 11/01/99 0
950447 O 10/01/14
0
2975841 736/G02 F 308,000.00 ZZ
360 307,653.38 1
4116 WEST MCFARLANE AVENUE 8.875 2,450.59 80
8.625 2,450.59 385,000.00
BURBANK CA 91505 1 09/13/99 00
0431586965 05 11/01/99 0
951156 O 10/01/29
0
2975843 736/G02 F 196,000.00 ZZ
180 195,906.10 3
29-31 EVERETT STREET 9.625 1,665.98 70
9.375 1,665.98 280,000.00
EVERETT MA 02149 1 10/04/99 00
0431587161 05 12/01/99 0
951672 O 11/01/14
0
2975844 736/G02 F 77,600.00 ZZ
180 77,557.61 1
245 SOUTH 37TH STREET 9.000 624.39 80
8.750 624.39 97,000.00
RICHMOND CA 94804 1 10/08/99 00
0431587088 05 12/01/99 0
951985 N 11/01/14
0
2975848 736/G02 F 112,450.00 T
360 112,201.52 1
406 LAKE DAVENPORT BLVD. 9.000 904.80 75
8.750 904.80 149,950.00
DAVENPORT FL 33837 1 07/12/99 00
0431583475 03 09/01/99 0
953098 O 08/01/29
0
2975851 736/G02 F 130,000.00 T
180 129,829.34 1
402C EAST CHARLESTON AVENUE 8.125 965.25 57
7.875 965.25 230,000.00
1
WILDWOOD CREST NJ 08260 1 10/05/99 00
0431583657 01 11/01/99 0
953724 O 10/01/14
0
2975852 736/G02 F 96,100.00 ZZ
180 96,044.71 1
5756 VIA ESCALANTE 8.750 756.02 90
8.500 756.02 106,800.00
RIVERSIDE CA 92509 1 10/06/99 04
0431583707 04 12/01/99 25
953862 N 11/01/14
0
2975853 736/G02 F 175,600.00 ZZ
180 175,501.55 1
42151 SOUTHEAST PAGH ROAD 8.875 1,397.16 80
8.625 1,397.16 219,500.00
SANDY OR 97055 5 10/01/99 00
0431583541 05 12/01/99 0
953900 O 11/01/14
0
2975854 736/G02 F 94,500.00 ZZ
180 94,447.02 1
4992 SPRING VALLEY ROAD 8.875 751.89 70
8.625 751.89 135,000.00
NEWPORT WA 99156 5 10/01/99 00
0431583426 05 12/01/99 0
954158 O 11/01/14
0
2975858 736/G02 F 276,000.00 ZZ
180 275,860.62 4
25685 SPRING DRIVE 9.375 2,295.63 80
9.125 2,295.63 345,000.00
HAYWARD CA 94542 1 10/01/99 00
0431583418 05 12/01/99 0
955500 O 11/01/14
0
2975859 736/G02 F 96,100.00 ZZ
180 96,012.30 1
2752 SOUTH GLENCOE 9.875 834.49 90
9.625 834.49 106,800.00
DENVER CO 80222 1 09/28/99 04
0431583855 05 11/01/99 25
955908 N 10/01/14
0
1
2975860 736/G02 F 500,000.00 ZZ
180 499,733.91 1
5403 SOLEDAD MOUNTAIN ROAD 9.125 4,068.17 80
8.875 4,068.17 625,000.00
LA JOLLA CA 92037 1 10/07/99 00
0431586775 05 12/01/99 0
956100 O 11/01/14
0
2975861 736/G02 F 220,000.00 ZZ
180 219,900.05 1
23 WINTERSIDE COURT 9.875 1,910.37 61
9.625 1,910.37 365,000.00
SAN RAMON CA 94583 2 10/01/99 00
0431583764 03 12/01/99 0
956118 N 11/01/14
0
2975864 736/G02 F 184,300.00 ZZ
180 184,199.33 1
22208 GILMORE STREET 9.000 1,482.92 95
8.750 1,482.92 194,000.00
LOS ANGELES CA 91303 1 10/07/99 04
0431587005 05 12/01/99 30
956612 O 11/01/14
0
2975868 736/G02 F 185,250.00 T
360 185,163.57 1
2010 BEACON HILL WAY 9.750 1,591.59 75
9.500 1,591.59 247,000.00
ALPHARETTA GA 30005 1 10/08/99 00
0431586874 03 12/01/99 0
957401 O 11/01/29
0
2975870 736/G02 F 208,300.00 T
180 208,186.22 1
8436 SOUTH LACROIX DRIVE 9.000 1,676.03 90
8.750 1,676.03 231,496.00
SANDY UT 84070 1 10/06/99 04
0431583533 01 12/01/99 25
957530 O 11/01/14
0
2975871 736/G02 F 189,800.00 T
180 189,612.52 1
1
13478 MADISON AVENUE 9.500 1,595.95 65
9.250 1,595.95 292,000.00
OCEAN CITY MD 21842 5 10/04/99 00
0431583673 05 11/01/99 0
957702 O 10/01/14
0
2975873 736/G02 F 471,250.00 ZZ
360 470,511.41 1
311 SOUTH BRIDGE VIEW DRIVE 9.250 3,876.86 65
9.000 3,876.86 725,000.00
ANAHEIM CA 92807 1 08/20/99 00
0431586833 05 10/01/99 0
958132 N 09/01/29
0
2975876 736/G02 F 120,000.00 ZZ
180 119,934.45 2
20935-A SE MORRISON STREET 9.000 965.55 80
20935-B SE MORRISION STREET 8.750 965.55 150,000.00
GRESHAM OR 97233 5 10/01/99 00
0431583814 05 12/01/99 0
958617 N 11/01/14
0
2975878 736/G02 F 85,000.00 T
360 84,873.57 1
253 JULIAND BLVD. 9.500 714.73 46
9.250 714.73 185,762.00
DAVENPORT FL 33837 1 08/23/99 00
0431586817 03 10/01/99 0
959267 O 09/01/29
0
2975881 736/G02 F 130,000.00 ZZ
180 129,921.24 1
50814 IVER ROAD 8.500 999.59 55
8.250 999.59 240,000.00
AGUILA AZ 85320 5 10/04/99 00
0431583582 05 12/01/99 0
959696 O 11/01/14
0
2976084 K15/G02 F 199,200.00 ZZ
360 198,751.47 1
907 GREEN ST 7.475 1,389.43 80
7.225 1,389.43 249,000.00
ALEXANDRIA VA 22314 1 08/18/99 00
0431637040 05 10/01/99 0
1
007305300068 O 09/01/29
0
2976402 K15/G02 F 56,700.00 ZZ
360 56,631.41 1
4773 UNDERWOOD RD 8.525 436.98 80
8.275 436.98 71,000.00
WALKERTON IN 46574 5 09/24/99 00
0431636935 05 11/01/99 0
034205300126 O 10/01/29
0
2976497 K15/G02 F 71,700.00 ZZ
360 71,644.28 1
1202 N RITTER 10.625 662.58 89
10.375 662.58 81,000.00
INDIANAPOLIS IN 46219 5 09/23/99 10
0431635838 05 11/01/99 25
033805300096 O 10/01/29
0
2976666 K15/G02 F 65,800.00 ZZ
360 65,772.55 1
1294 STINGLY ROAD 10.275 590.86 89
10.025 590.86 74,000.00
WILMINGTON OH 45177 5 10/11/99 10
0431632009 05 12/01/99 25
002900005300339 O 11/01/29
0
2976853 K15/G02 F 81,100.00 ZZ
240 80,987.90 1
104 5TH AVE NW 9.625 762.59 80
9.375 762.59 102,000.00
KASSON MN 55944 5 10/07/99 00
0431631977 05 12/01/99 0
001310005300262 O 11/01/19
0
2976958 K15/G02 F 60,300.00 ZZ
360 60,272.01 1
1009 NORTH DIVISION ST 9.775 519.18 85
9.525 519.18 71,000.00
CRESTON IA 50501 2 10/08/99 10
0431631878 05 12/01/99 12
003770005300221 O 11/01/29
0
1
2977365 K15/G02 F 157,600.00 ZZ
360 157,409.36 1
8040 TALBROOK CT 8.525 1,214.60 79
8.275 1,214.60 200,000.00
CENTERVILLE OH 45458 5 09/24/99 00
0431646561 05 11/01/99 0
029005300214 O 10/01/29
0
2977379 K15/G02 F 83,100.00 ZZ
360 83,008.87 1
2420 12TH AVE SE 9.000 668.64 79
8.750 668.64 106,000.00
CEDAR RAPIDS IA 52403 5 09/22/99 00
0431646579 05 11/01/99 0
00099000530049 O 10/01/29
0
2977497 K08/G02 F 56,250.00 ZZ
360 56,218.47 2
10180-10182 DE SOTO WAY 8.875 447.55 75
8.625 447.55 75,000.00
SACRAMENTO CA 95670 1 10/14/99 00
0411586449 05 12/01/99 0
0411586449 N 11/01/29
0
2977499 K08/G02 F 100,000.00 ZZ
360 99,940.96 1
599 CREST LANE, UNIT#37 8.625 777.79 69
8.375 777.79 145,000.00
INCLINE VILLAGE NV 89451 1 10/12/99 00
0411616642 03 12/01/99 0
0411616642 N 11/01/29
0
2977500 K08/G02 F 85,500.00 ZZ
360 85,457.95 4
926 MAIN STREET 9.500 718.93 90
9.250 718.93 95,000.00
WEST WARWICK RI 02893 1 10/19/99 04
0411626344 05 12/01/99 25
0411626344 N 11/01/29
0
2977502 K08/G02 F 91,000.00 ZZ
360 90,950.29 1
1170 WEST BADGER STREET 9.000 732.21 70
8.750 732.21 130,000.00
1
SILVER SPRINGS NV 89429 5 10/08/99 00
0411633308 27 12/01/99 0
0411633308 O 11/01/29
0
2977503 K08/G02 F 90,000.00 ZZ
360 89,948.22 1
4011 ROSA ROAD 8.750 708.03 59
8.500 708.03 155,000.00
DALLAS TX 75220 5 10/05/99 00
0411635626 05 12/01/99 0
0411635626 O 11/01/29
0
2977507 K08/G02 F 104,800.00 ZZ
360 104,726.61 1
101 RIDGE ROAD 8.750 824.46 80
8.500 824.46 131,000.00
MANVEL TX 77578 5 10/14/99 00
0411642051 05 12/01/99 0
0411642051 O 11/01/29
0
2977508 K08/G02 F 400,000.00 ZZ
360 399,787.14 1
8901 ATLANTIC AVENUE UNIT 403 9.125 3,254.53 80
8.875 3,254.53 505,000.00
WILDWOOD CREST NJ 08260 1 10/19/99 00
0411645260 08 12/01/99 0
0411645260 O 11/01/29
0
2977511 K08/G02 F 102,400.00 ZZ
360 102,342.59 1
9525 SW 148 PLACE 8.875 814.74 80
8.625 814.74 128,000.00
MIAMI FL 33196 1 10/14/99 00
0411649791 03 12/01/99 0
0411649791 O 11/01/29
0
2977515 K08/G02 F 310,500.00 ZZ
360 310,325.93 1
58 TAMWORTH HILL AVENUE 8.875 2,470.48 90
8.625 2,470.48 345,000.00
WAKEFIELD MA 01880 1 10/19/99 01
0411670490 05 12/01/99 25
0411670490 O 11/01/29
0
1
2980299 K08/G02 F 128,000.00 ZZ
360 127,928.24 4
806 WEST 6TH STREET 8.875 1,018.43 80
8.625 1,018.43 160,000.00
ANTIOCH CA 94509 1 10/11/99 00
0411620347 05 12/01/99 0
0411620347 N 11/01/29
0
2980309 K08/G02 F 44,000.00 ZZ
360 43,975.34 1
1403 E IRELAND 8.875 350.08 80
8.625 350.08 55,000.00
SOUTH BEND IN 46614 1 10/20/99 00
0411638018 05 12/01/99 0
0411638018 N 11/01/29
0
2980320 K08/G02 F 128,200.00 ZZ
360 128,131.77 4
255-257 HOLLIS STREET 9.125 1,043.08 90
8.875 1,043.08 142,500.00
FRAMINGHAM MA 01701 1 10/20/99 04
0411662232 05 12/01/99 25
0411662232 N 11/01/29
0
2981603 462/G02 F 54,400.00 ZZ
360 54,340.34 2
1014 A HOWARD & 1014 B HOWARD 9.000 437.72 80
8.750 437.72 68,000.00
HUMBLE TX 77346 1 09/30/99 00
0431603547 05 11/01/99 0
0007365208 N 10/01/29
0
2983534 K08/G02 F 108,000.00 ZZ
360 107,937.86 1
3600 GENTRYTOWN DRIVE 8.750 849.64 80
8.500 849.64 135,000.00
ANTIOCH CA 94509 5 10/14/99 00
0411611841 05 12/01/99 0
0411611841 N 11/01/29
0
2983547 K08/G02 F 64,800.00 ZZ
360 64,763.67 2
1
5301-C WEST MONTGOMERY AVENUE 8.875 515.58 90
8.625 515.58 72,000.00
PHILADELPHIA PA 19131 1 10/21/99 04
0411654015 07 12/01/99 25
0411654015 N 11/01/29
0
2983550 K08/G02 F 109,800.00 ZZ
360 109,747.40 1
16303 S 76TH AV 9.625 933.29 90
9.375 933.29 122,000.00
TINLEY PARK IL 60477 1 10/21/99 10
0411664121 05 12/01/99 25
0411664121 N 11/01/29
0
2983551 K08/G02 F 130,400.00 T
360 130,326.90 1
1044 EVERGREEN FARM CIRCLE 8.875 1,037.52 80
8.625 1,037.52 163,000.00
CLYDE NC 28721 1 10/20/99 95
0411665805 05 12/01/99 0
0411665805 O 11/01/29
0
2984963 593/G02 F 117,000.00 ZZ
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0
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360 164,783.41 1
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0431650654 05 11/01/99 0
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0
2985794 638/G02 F 168,000.00 ZZ
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0411640089 O 11/01/29
0
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0
2987724 926/G02 F 138,000.00 ZZ
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FT. WORTH TX 76104 5 10/20/99 00
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0411662752 O 11/01/29
0
1
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CHICAGO IL 60621 5 10/26/99 00
0400238341 05 12/01/99 0
0400238341 N 11/01/29
0
2989640 E82/G02 F 110,250.00 ZZ
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2010-101 QUAKER LANDING 8.750 477.92 90
UNIT 8A 8.500 477.92 67,500.00
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0400235982 01 12/01/99 25
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28712 MAPLE STREET 8.875 461.47 80
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2991158 K08/G02 F 74,000.00 ZZ
360 73,957.42 1
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PLYMOUTH MI 48170 1 10/26/99 00
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0411651797 O 11/01/29
0
1
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116 DUNBARTON CIRCLE 8.625 1,014.24 80
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0411652613 O 11/01/29
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107 VUEWOOD 9.000 1,100.72 90
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0411653397 05 12/01/99 25
0411653397 N 11/01/29
0
2991164 K08/G02 F 79,200.00 ZZ
360 79,155.60 1
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0411655210 05 12/01/99 25
0411655210 O 11/01/29
0
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360 153,411.63 1
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ROUND ROCK TX 78664 5 10/20/99 00
0411661622 05 12/01/99 0
0411661622 O 11/01/29
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WALTHAM MA 02453 1 10/28/99 04
0400240537 05 12/01/99 30
0400240537 O 11/01/29
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337 ORANGE TREE AVENUE 9.000 790.94 80
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0431582709 05 04/01/99 12
NJ00641 O 03/01/29
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2993289 K08/G02 F 127,200.00 ZZ
360 127,128.69 1
5382 BECKIE COURT SW 8.875 1,012.06 80
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WYOMING MI 49509 1 10/27/99 00
0411602816 05 12/01/99 0
0411602816 O 11/01/29
0
2993292 K08/G02 F 124,950.00 ZZ
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6948 S ROCKWELL 9.375 1,039.27 85
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0411610025 05 12/01/99 12
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2993298 K08/G02 F 75,600.00 ZZ
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0411644776 05 12/01/99 25
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2993304 K08/G02 F 69,250.00 ZZ
360 69,211.18 1
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DELRAY BEACH FL 33445 1 10/27/99 10
0411649536 09 12/01/99 20
1
0411649536 O 11/01/29
0
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CONCORD NC 28025 1 10/27/99 04
0411654031 05 12/01/99 25
0411654031 N 11/01/29
0
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SILVERTHORNE CO 80498 1 10/22/99 04
0411666803 01 12/01/99 25
0411666803 O 11/01/29
0
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10680 BONITA DRIVE 9.500 624.33 90
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BONITA SPRINGS FL 34135 1 10/27/99 04
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0411668395 N 11/01/29
0
2993550 E82/G02 F 150,000.00 ZZ
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VERO BEACH FL 32963 1 11/01/99 00
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0
2993770 074/074 F 240,000.00 ZZ
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3664 BARNES AVENUE 9.000 1,931.10 88
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BRONX NY 10467 2 09/15/99 04
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1
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PHOENIX AZ 85032 1 08/30/99 14
1203047801 01 10/01/99 25
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0
2993782 074/074 F 53,000.00 ZZ
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PALM SPRINGS CA 92264 5 09/28/99 00
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0
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1237012568 05 11/01/99 0
1237012568 N 10/01/29
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2993785 074/074 F 134,100.00 ZZ
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1301185781 05 11/01/99 25
1301185781 N 10/01/29
0
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1802 OCEAN DRIVE 8.500 4,013.73 48
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VERO BEACH FL 32963 2 10/07/99 00
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1391081386 O 11/01/29
0
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323 WILLIAMS ST 8.750 424.82 90
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PROVIDENCE RI 02906 1 08/31/99 14
1503597229 05 10/01/99 25
1503597229 N 09/01/29
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2993807 074/074 F 216,000.00 ZZ
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BRONX NY 10472 1 10/07/99 10
1503614951 05 12/01/99 25
1503614951 O 11/01/29
0
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WAREHAM MA 02558 1 09/21/99 04
1503646299 05 11/01/99 25
1503646299 N 10/01/29
0
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NASHVILLE TN 37207 1 08/27/99 04
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1511879430 N 09/01/29
0
2993817 074/074 F 80,000.00 T
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LAKELAND FL 33813 1 10/08/99 00
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0
2993831 074/074 F 299,000.00 ZZ
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14216 NE 40TH PLACE 8.750 2,352.24 50
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BELLEVUE WA 98007 5 09/09/99 00
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1565259134 O 10/01/29
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1
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KENT WA 98031 1 10/04/99 11
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SEATTLE WA 98119 1 09/21/99 00
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0
2993834 074/074 F 140,000.00 ZZ
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LACEY WA 98503 1 10/05/99 00
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0
2993837 074/074 F 35,100.00 ZZ
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0
2993842 074/074 F 412,500.00 T
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401 SILVER KING DRIVE #47 9.375 3,430.97 72
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PARK CITY UT 84060 1 09/29/99 00
1579120981 01 11/01/99 0
1579120981 O 10/01/29
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2993845 074/074 F 62,100.00 ZZ
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1
135 NORTH CHAMPLAIN 9.125 505.27 90
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1580167676 05 11/01/99 25
1580167676 N 10/01/29
0
2993847 074/074 F 143,100.00 ZZ
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NASHUA NH 03060 1 09/14/99 11
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1580172042 N 10/01/29
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NEW HAVEN CT 06511 5 10/08/99 00
1580175812 05 12/01/99 0
1580175812 N 11/01/29
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HARRISBURG PA 17102 1 10/12/99 01
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1581344610 N 11/01/29
0
2993857 074/074 F 84,050.00 ZZ
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ST LOUIS MO 63116 1 09/22/99 14
1583237687 05 11/01/99 30
1583237687 O 10/01/29
0
2993861 074/074 F 324,000.00 ZZ
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5828 N WAYNE 9.125 2,636.18 90
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1583246611 05 11/01/99 25
1
1583246611 O 10/01/29
0
2993872 074/074 F 350,000.00 T
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1596144057 05 11/01/99 0
1596144057 O 10/01/29
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SEASIDE OR 97138 1 10/04/99 00
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0
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RIDGELAND MS 39157 2 10/13/99 00
0431604461 05 12/01/99 0
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DANDRIDGE TN 37725 1 10/28/99 00
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1
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17229 LOVERS LANE 9.000 405.53 90
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THREE RIVERS MI 49093 1 10/28/99 10
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11364 BALL ROAD 8.500 461.35 35
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GRASS VALLEY CA 95949 1 10/26/99 00
0411670987 05 12/01/99 0
0411670987 O 11/01/29
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2996063 286/286 F 315,000.00 ZZ
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DACULA GA 30019 1 10/18/99 00
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0009539754 O 11/01/29
0
2996074 286/286 F 500,000.00 ZZ
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2 SOUTHGATE CT 8.000 3,668.83 77
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ANNAPOLIS MD 21401 1 10/12/99 00
0009609568 08 12/01/99 0
0009609568 O 11/01/29
0
2996088 286/286 F 304,000.00 ZZ
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1240 W 63RD ST 8.250 2,283.86 80
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KANSAS CITY MO 64113 5 10/15/99 00
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470 ENGLISH AVENUE 9.625 527.42 85
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0431617539 05 12/01/99 20
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0
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0431604123 05 12/01/99 0
9W110385 N 11/01/29
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2996780 G52/G02 F 246,500.00 ZZ
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PASADENA CA 91104 2 10/25/99 10
0431594076 05 12/01/99 12
89502663 O 11/01/29
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2996919 638/G02 F 167,950.00 ZZ
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19235 TIMES AVENUE 8.750 1,321.26 80
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HAYWARD CA 94541 1 10/06/99 00
0431604339 05 12/01/99 0
08933902 O 11/01/29
0
2996945 638/G02 F 306,000.00 ZZ
360 305,819.34 4
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RICHMOND CA 94804 1 10/08/99 10
0431599240 05 12/01/99 25
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0
2997122 A06/G02 F 42,300.00 ZZ
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6210 CRESTVIEW 9.125 344.17 90
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STERLING HEIGHT MI 48312 1 10/25/99 11
0431594100 01 12/01/99 25
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1
2997655 638/G02 F 31,950.00 ZZ
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KOKOMO IN 46902 1 10/15/99 04
0431588680 05 12/01/99 25
08933662 N 11/01/29
0
2998477 K08/G02 F 156,650.00 ZZ
360 156,552.64 1
13515 LEAFWOOD DRIVE 8.375 1,190.65 80
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CORONA CA 91719 1 10/20/99 00
0411586126 03 12/01/99 0
0411586126 O 11/01/29
0
2998478 K08/G02 F 148,200.00 ZZ
360 148,117.92 4
1601 42ND STREET 9.125 1,205.80 95
8.875 1,205.80 156,000.00
KENNER LA 70065 1 10/29/99 10
0411599566 05 12/01/99 30
0411599566 O 11/01/29
0
2998479 K08/G02 F 113,400.00 ZZ
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2812 PIONEER ROAD 9.750 974.28 90
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ORLANDO FL 32808 1 10/29/99 10
0411606270 05 12/01/99 25
0411606270 N 11/01/29
0
2998482 K08/G02 F 95,200.00 ZZ
360 95,146.63 1
22400 NONA 8.875 757.45 80
8.625 757.45 119,000.00
DEARBORN MI 48124 1 10/29/99 00
0411609787 05 12/01/99 0
0411609787 O 11/01/29
0
2998483 K08/G02 F 280,000.00 ZZ
360 279,825.97 1
1
125 WEST GRAMERCY PLACE 8.375 2,128.20 80
8.125 2,128.20 350,000.00
SAN ANTONIO TX 78212 1 10/21/99 00
0411611627 05 12/01/99 0
0411611627 O 11/01/29
0
2998486 K08/G02 F 119,900.00 ZZ
360 119,836.19 1
39-E LEXINGTON LANE 9.125 975.55 80
8.875 975.55 149,900.00
WEST MILFORD NJ 07480 1 10/29/99 00
0411619620 01 12/01/99 0
0411619620 N 11/01/29
0
2998490 K08/G02 F 134,900.00 ZZ
360 134,833.65 4
1212 29TH AVENUE 9.500 1,134.31 75
9.250 1,134.31 179,900.00
FAIRBANKS AK 99701 1 10/22/99 00
0411630254 05 12/01/99 0
0411630254 N 11/01/29
0
2998500 K08/G02 F 207,500.00 ZZ
360 207,383.68 1
30 WEST MALLARD LANE 8.875 1,650.96 31
8.625 1,650.96 675,000.00
LAKE FOREST IL 60045 5 10/25/99 00
0411640097 05 12/01/99 0
0411640097 O 11/01/29
0
2998501 K08/G02 F 54,000.00 ZZ
360 53,968.93 2
268 TOPPING STREET 8.750 424.82 90
8.500 424.82 60,000.00
ST. PAUL MN 55117 1 10/15/99 10
0411640410 05 12/01/99 25
0411640410 N 11/01/29
0
2998503 K08/G02 F 229,600.00 ZZ
360 229,471.28 1
6119 NW 63RD WAY 8.875 1,826.80 80
8.625 1,826.80 287,000.00
PARKLAND FL 33067 1 10/29/99 00
0411641566 05 12/01/99 0
1
0411641566 O 11/01/29
0
2998505 K08/G02 F 42,400.00 ZZ
360 42,380.22 3
2604 21ST STREET UNIT A,B, & C 9.750 364.28 80
9.500 364.28 53,000.00
LUBBOCK TX 79410 5 10/29/99 00
0411642234 05 12/01/99 0
0411642234 N 11/01/29
0
2998506 K08/G02 F 55,200.00 ZZ
360 55,172.12 1
523 RUTH STREET 9.375 459.13 80
9.125 459.13 69,000.00
PORTAGE MI 49002 5 10/29/99 00
0411642622 05 12/01/99 0
0411642622 N 11/01/29
0
2998509 K08/G02 F 47,600.00 ZZ
360 47,576.58 2
82-84 WEST DAKOTA 9.500 400.25 90
9.250 400.25 52,900.00
DETROIT MI 48203 1 10/29/99 04
0411644693 05 12/01/99 25
0411644693 N 11/01/29
0
2998510 K08/G02 F 81,000.00 ZZ
360 80,955.76 2
22453 PANAMA 9.000 651.74 90
8.750 651.74 90,000.00
WARREN MI 48091 1 10/29/99 04
0411644743 05 12/01/99 25
0411644743 O 11/01/29
0
2998514 K08/G02 F 88,000.00 ZZ
360 87,948.05 1
611 GRANT COURT 8.625 684.45 79
8.375 684.45 112,500.00
DUNCANVILLE TX 75137 5 10/25/99 00
0411646599 05 12/01/99 0
0411646599 O 11/01/29
0
1
2998517 K08/G02 F 110,000.00 ZZ
360 109,931.63 1
720 SE 4 AVENUE 8.375 836.08 54
8.125 836.08 207,000.00
POMPANO BEACH FL 33060 1 10/29/99 00
0411647464 05 12/01/99 0
0411647464 O 11/01/29
0
2998521 K08/G02 F 110,400.00 ZZ
360 110,339.70 1
35546 LUCERNE 9.000 888.31 80
8.750 888.31 138,000.00
CLINTON TOWNSHI MI 48035 5 10/13/99 00
0411650112 05 12/01/99 0
0411650112 O 11/01/29
0
2998523 K08/G02 F 83,600.00 ZZ
360 83,557.79 1
1719 SUMMIT DR. 9.375 695.34 95
9.125 695.34 88,000.00
STOCKTON IL 61085 1 10/29/99 04
0411650898 05 12/01/99 30
0411650898 O 11/01/29
0
2998524 K08/G02 F 101,400.00 ZZ
360 101,343.16 1
7-2 HIGHLAND PINES 8.875 806.78 65
8.625 806.78 156,000.00
FAIRFAX VT 05454 5 10/29/99 00
0411651102 09 12/01/99 0
0411651102 N 11/01/29
0
2998525 K08/G02 F 101,400.00 ZZ
360 101,343.16 1
7-1 HIGHLAND PINES 8.875 806.78 65
8.625 806.78 156,000.00
FAIRFAX VT 05454 5 10/29/99 00
0411651151 09 12/01/99 0
0411651151 N 11/01/29
0
2998528 K08/G02 F 92,000.00 ZZ
360 91,948.43 1
1948 CAROL SUE AVENUE 8.875 731.99 80
8.625 731.99 115,000.00
1
GRETNA LA 70056 1 10/29/99 00
0411654361 05 12/01/99 0
0411654361 O 11/01/29
0
2998529 K08/G02 F 240,000.00 ZZ
360 239,850.83 1
1356 CRESPI DRIVE 8.375 1,824.17 80
8.125 1,824.17 300,000.00
PACIFICA CA 94044 1 10/26/99 00
0411655103 05 12/01/99 0
0411655103 O 11/01/29
0
2998530 K08/G02 F 310,400.00 ZZ
360 310,225.99 1
4280 SLASH PINE DRIVE 8.875 2,469.68 80
8.625 2,469.68 388,026.00
COLORADO SPRING CO 80908 1 10/29/99 00
0411656598 05 12/01/99 0
0411656598 O 11/01/29
0
2998533 K08/G02 F 60,000.00 ZZ
360 59,967.23 1
837 W WOODLAWN AVE. 9.000 482.77 43
8.750 482.77 140,000.00
SAN ANTONIO TX 78212 5 10/25/99 00
0411657513 05 12/01/99 0
0411657513 O 11/01/29
0
2998541 K08/G02 F 44,900.00 ZZ
360 44,875.47 1
52 GRAND STREET 9.000 361.28 90
8.750 361.28 49,990.00
TRENTON NJ 08611 1 10/29/99 10
0411662307 05 12/01/99 25
0411662307 N 11/01/29
0
2998543 K08/G02 F 146,000.00 ZZ
360 145,920.25 1
34 KENWOOD AVENUE 9.000 1,174.75 80
8.750 1,174.75 182,500.00
SAUGUS MA 01906 1 10/29/99 00
0411663560 05 12/01/99 0
0411663560 O 11/01/29
0
1
2998547 K08/G02 F 104,000.00 ZZ
360 103,943.19 1
6545 SW 29 STREET 9.000 836.81 80
8.750 836.81 130,000.00
MIAMI FL 33155 1 10/29/99 00
0411666019 05 12/01/99 0
0411666019 O 11/01/29
0
2998551 K08/G02 F 170,550.00 ZZ
360 170,466.11 4
335 DECKBAR AVENUE 9.500 1,434.08 90
9.250 1,434.08 189,500.00
JEFFERSON LA 70121 1 10/29/99 04
0411667926 05 12/01/99 25
0411667926 N 11/01/29
0
2998563 K08/G02 F 197,900.00 ZZ
360 197,786.14 1
4702 CLIFTON PARK DR 8.750 1,556.88 90
8.500 1,556.88 219,900.00
JAMESTOWN NC 27282 1 10/29/99 10
0411673494 03 12/01/99 25
0411673494 O 11/01/29
0
2998565 K08/G02 F 132,000.00 ZZ
360 131,917.95 1
1944 ORCHARD DR. 8.375 1,003.30 80
8.125 1,003.30 165,000.00
WOODBURY MN 55125 1 10/29/99 00
0411676265 05 12/01/99 0
0411676265 O 11/01/29
0
2998566 K08/G02 F 115,650.00 ZZ
360 115,593.11 4
2307 RACHAEL COURT 9.500 972.45 90
9.250 972.45 128,500.00
AUSTIN TX 78748 1 10/29/99 04
0411676802 05 12/01/99 25
0411676802 N 11/01/29
0
2998568 K08/G02 F 64,000.00 ZZ
360 63,963.18 1
1
1003 REST CHURCH ROAD 8.750 503.49 80
8.500 503.49 80,000.00
CLEAR BROOK VA 22624 1 10/29/99 00
0411678097 05 12/01/99 0
0411678097 O 11/01/29
0
2998569 K08/G02 F 186,700.00 ZZ
360 186,586.90 1
1117 DANBURY DRIVE 8.500 1,435.56 80
8.250 1,435.56 233,420.00
MANSFIELD TX 76063 1 10/29/99 00
0411679186 03 12/01/99 0
0411679186 O 11/01/29
0
2998573 K08/G02 F 92,150.00 ZZ
360 92,098.34 1
5407 BRYAN STREET 8.875 733.19 95
UNIT #B101 8.625 733.19 97,000.00
DALLAS TX 75206 1 10/29/99 10
0411685951 01 12/01/99 30
0411685951 O 11/01/29
0
2998585 696/G02 F 50,000.00 ZZ
360 49,971.23 2
4821 1ST STREET, S.W. 8.750 393.35 90
8.500 393.35 55,600.00
WASHINGTON DC 20032 1 10/27/99 12
0431588326 07 12/01/99 30
20299058 N 11/01/29
0
2998586 696/G02 F 50,000.00 ZZ
360 49,971.23 2
4817 1ST STREET, S.W. 8.750 393.35 90
8.500 393.35 55,600.00
WASHINGTON DC 20032 1 10/27/99 12
0431588961 07 12/01/99 30
20299055 N 11/01/29
0
2998615 E82/G02 F 105,300.00 ZZ
360 105,240.97 1
796 RAMBLING CREEK DRIVE 8.875 837.81 90
8.625 837.81 117,000.00
LEXINGTON KY 40509 1 11/02/99 04
0400241121 05 12/01/99 25
1
0400241121 O 11/01/29
0
2999300 638/G02 F 56,700.00 ZZ
360 56,672.12 1
3430 CARROLL DRIVE 9.500 476.76 90
9.250 476.76 63,000.00
HORN LAKE MS 38637 1 10/15/99 10
0431590835 05 12/01/99 25
08932910 N 11/01/29
0
2999894 685/G02 F 168,000.00 ZZ
360 167,908.23 1
1419 ROAN STREET 9.000 1,351.77 80
8.750 1,351.77 210,000.00
SIMI VALLEY CA 93065 1 10/25/99 00
0431593177 05 12/01/99 0
119782 O 11/01/29
0
2999922 637/G02 F 199,875.00 ZZ
360 199,747.54 1
28 GARD AVE 8.250 1,501.60 75
8.000 1,501.60 266,500.00
BRONXVILLE NY 10708 1 10/15/99 00
0431591593 05 12/01/99 0
0018791376 O 11/01/29
0
3000788 G41/G02 F 143,000.00 ZZ
360 142,917.72 1
39 BAYSIDE COURT 8.750 1,124.99 42
8.500 1,124.99 344,000.00
MARGATE NJ 08402 2 10/13/99 00
0431597244 05 12/01/99 0
R3503 O 11/01/29
0
3000813 K08/G02 F 132,000.00 ZZ
360 131,926.00 3
1122-28 ERATO STREET 8.875 1,050.25 80
8.625 1,050.25 165,000.00
NEW ORLEANS LA 70130 5 10/27/99 00
0411626567 05 12/01/99 0
0411626567 O 11/01/29
0
1
3000823 K08/G02 F 50,050.00 ZZ
360 50,026.02 1
1950 SPENWICK DRIVE 9.625 425.42 70
UNIT #348 9.375 425.42 71,500.00
HOUSTON TX 77055 1 10/25/99 00
0411650799 01 12/01/99 0
0411650799 N 11/01/29
0
3000824 K08/G02 F 53,350.00 ZZ
360 53,325.11 1
2121 EL PASEO 9.750 458.36 68
UNIT # 1302 9.500 458.36 78,500.00
HOUSTON TX 77054 1 10/25/99 00
0411650989 01 12/01/99 0
0411650989 N 11/01/29
0
3000825 K08/G02 F 50,050.00 ZZ
360 50,026.02 1
1950 SPENWICK DRIVE, 448 9.625 425.42 70
9.375 425.42 71,500.00
HOUSTON TX 77055 1 10/25/99 00
0411651995 01 12/01/99 0
0411651995 N 11/01/29
0
3000827 K08/G02 F 59,000.00 ZZ
360 58,967.77 1
1571 N S.E. BOUTELL ST 9.000 474.73 80
8.750 474.73 74,000.00
ESSEXVILLE MI 48732 1 11/01/99 00
0411656853 05 12/01/99 0
0411656853 O 11/01/29
0
3000829 K08/G02 F 92,050.00 ZZ
360 91,997.04 1
10506 SANFORD STREET 8.750 724.16 85
8.500 724.16 109,000.00
RIVERVIEW FL 33569 5 10/26/99 04
0411659105 05 12/01/99 12
0411659105 O 11/01/29
0
3000831 K08/G02 F 48,100.00 ZZ
360 48,078.14 1
414 POST ROAD DRIVE 9.875 417.68 65
9.625 417.68 74,000.00
1
AUSTIN TX 78704 5 10/28/99 00
0411664089 05 12/01/99 0
0411664089 N 11/01/29
0
3000833 K08/G02 F 68,800.00 ZZ
360 68,759.38 1
1902 WHITEBEAD TRAIL 8.625 535.12 80
8.375 535.12 86,000.00
AUSTIN TX 78734 1 10/26/99 00
0411666373 03 12/01/99 0
0411666373 O 11/01/29
0
3000837 K08/G02 F 105,200.00 ZZ
360 105,136.27 1
15418 PEBBLE GATE 8.500 808.90 80
8.250 808.90 131,500.00
SAN ANTONIO TX 78232 1 10/29/99 00
0411674864 05 12/01/99 0
0411674864 O 11/01/29
0
3000838 K08/G02 F 145,600.00 ZZ
360 145,530.25 2
3128 S CHICAGO AV 9.625 1,237.58 80
9.375 1,237.58 182,000.00
MINNEAPOLIS MN 55407 1 11/01/99 00
0411676000 05 12/01/99 0
0411676000 N 11/01/29
0
3000840 K08/G02 F 75,150.00 ZZ
360 75,106.76 1
7207 LANCASHIRE DR 8.750 591.21 90
8.500 591.21 83,500.00
CHARLOTTE NC 28227 1 11/01/99 04
0411678303 05 12/01/99 25
0411678303 N 11/01/29
0
3000841 K08/G02 F 95,600.00 ZZ
360 95,600.00 4
2621 PECAN KNOLL UNIT A,B,C &D 9.375 795.15 80
9.125 795.15 119,500.00
BRYAN TX 77802 1 11/01/99 00
0411680630 05 01/01/00 0
0411680630 N 12/01/29
0
1
3001569 M66/G02 F 187,000.00 ZZ
360 186,886.71 1
5 CHERRY BLOSOM DRIVE 8.500 1,437.87 68
8.250 1,437.87 275,000.00
SOUTHAMPTON PA 18966 5 10/25/99 00
0431599018 05 12/01/99 0
133248 O 11/01/29
0
3001770 G52/G02 F 92,000.00 ZZ
360 91,954.74 1
20837 NORTH 8TH STREET 9.500 773.59 78
9.250 773.59 118,000.00
PHOENIX AZ 85024 1 10/25/99 00
0431594688 03 12/01/99 0
94002122 O 11/01/29
0
3001834 G52/G02 F 184,500.00 ZZ
360 184,401.82 4
545 SOUTH DESERT VIEW DRIVE 9.125 1,501.15 90
8.875 1,501.15 205,000.00
PALM SPRINGS CA 92264 1 10/28/99 10
0431608272 05 12/01/99 25
98506569 O 11/01/29
0
3002359 A02/G02 F 130,800.00 ZZ
360 130,735.66 1
1266 WAYNE DRIVE 9.500 1,099.84 80
9.250 1,099.84 163,500.00
DES PLAINES IL 60018 1 10/28/99 00
0431630748 05 12/01/99 0
07991544 O 11/01/29
0
3002433 455/G02 F 92,700.00 ZZ
360 92,648.03 1
6444 OLYMPIA DRIVE UNIT #84 8.875 737.56 90
8.625 737.56 103,000.00
HOUSTON TX 77057 1 10/22/99 01
0431626605 07 12/01/99 25
45389 N 11/01/29
0
3002599 664/G02 F 125,100.00 ZZ
360 125,036.82 1
1
13219 REEDLEY STREET 9.375 1,040.52 90
9.125 1,040.52 139,000.00
ARLETA AREA CA 91331 1 10/15/99 19
0431594787 05 12/01/99 25
0003266392 N 11/01/29
0
3002704 F32/G02 F 63,000.00 ZZ
360 62,966.47 1
2784 HAMBY STREET 9.125 512.59 90
8.875 512.59 70,000.00
SMYRNA GA 30080 1 10/29/99 14
0431596337 05 12/01/99 25
405132220 N 11/01/29
0
3002814 638/G02 F 60,300.00 ZZ
360 60,270.34 1
183 THOMPSON STREET UNIT F 9.500 507.04 90
9.250 507.04 67,000.00
EAST HAVEN CT 06512 1 10/19/99 10
0431595222 01 12/01/99 25
08935287 N 11/01/29
0
3002852 G75/G75 F 63,000.00 ZZ
360 62,929.10 2
133 & RISDON STREET 8.875 501.26 87
8.625 501.26 72,500.00
MT. HOLLY NJ 08060 1 09/17/99 10
03923376 05 11/01/99 25
03923376 N 10/01/29
0
3002853 G75/G75 F 63,000.00 ZZ
360 62,929.10 1
301-5 3RD STREET 8.875 501.26 79
8.625 501.26 80,000.00
BEVERLY CITY NJ 08010 1 09/17/99 14
03921132 05 11/01/99 25
03921132 N 10/01/29
0
3002857 G75/G75 F 79,800.00 ZZ
360 79,754.09 1
102 MASSASOIT DRIVE 8.750 627.79 70
8.500 627.79 114,000.00
WARWICK RI 02888 1 10/07/99 00
03964409 05 12/01/99 0
1
03964409 O 11/01/29
0
3002868 G75/G75 F 73,000.00 ZZ
240 73,000.00 1
315 W. ELM ST. 8.875 650.95 60
8.625 650.95 122,000.00
CONSHOHOCKEN PA 19428 2 10/28/99 00
03983461 05 01/01/00 0
03983461 N 12/01/19
0
3002869 G75/G75 F 148,800.00 ZZ
360 148,714.38 1
708 MOURNING DOVE ROAD 8.750 1,170.62 80
8.500 1,170.62 187,000.00
LOWER PROVIDENC PA 19403 1 10/29/99 00
03987457 05 12/01/99 0
03987457 O 11/01/29
0
3002870 G75/G75 F 119,600.00 ZZ
360 119,534.67 1
456 STONEGATE WAY #456 9.000 962.33 95
8.750 962.33 126,000.00
MANTENO IL 60950 1 10/12/99 10
03980530 01 12/01/99 30
03980530 O 11/01/29
0
3002871 G75/G75 F 69,850.00 ZZ
360 69,800.78 2
1104 HARLEM BLVD 8.875 555.76 90
8.625 555.76 77,650.00
ROCKFORD IL 61103 1 10/22/99 14
03975820 05 12/01/99 25
03975820 N 11/01/29
0
3002968 638/G02 F 135,200.00 ZZ
360 135,133.50 2
81 STAPLES STREET 9.500 1,136.83 80
9.250 1,136.83 169,000.00
EAST TAUNTON MA 02718 2 10/14/99 00
0431594878 05 12/01/99 0
08928981 O 11/01/29
0
1
3003045 638/G02 F 193,000.00 ZZ
360 192,880.04 1
2275 EAST HAWK LANE 8.375 1,466.94 80
8.125 1,466.94 243,000.00
EAGLE MOUNTAIN UT 84043 2 10/20/99 00
0431604305 05 12/01/99 0
08935744 O 11/01/29
0
3003087 638/G02 F 79,500.00 ZZ
360 79,462.91 1
3 SWAN LANE 9.750 683.03 88
9.500 683.03 90,500.00
BILLERICA MA 01821 1 10/22/99 04
0431595008 05 12/01/99 25
08932457 N 11/01/29
0
3003134 638/G02 F 66,600.00 ZZ
360 66,564.56 2
262 BAMBOO DRIVE 9.125 541.88 90
8.875 541.88 74,000.00
PORT CHARLOTTE FL 33954 1 10/19/99 04
0431594936 05 12/01/99 25
08936186 N 11/01/29
0
3003188 638/G02 F 46,000.00 ZZ
360 45,977.96 1
1444 ENGLISH AVENUE 9.625 391.00 80
9.375 391.00 57,500.00
INDIANAPOLIS IN 46201 5 10/22/99 00
0431619683 05 12/01/99 0
08922725 N 11/01/29
0
3003584 K08/G02 F 44,100.00 ZZ
360 44,079.42 1
16 TAVISTOCK DRIVE 9.750 378.89 90
9.500 378.89 49,000.00
LITTLE EGG HARB NJ 08087 1 10/08/99 10
0411582992 09 12/01/99 25
0411582992 N 11/01/29
0
3003585 K08/G02 F 152,400.00 ZZ
360 152,314.56 1
191 COPPERWOOD DRIVE 8.875 1,212.56 80
8.625 1,212.56 190,500.00
1
STOUGHTON MA 02072 5 10/27/99 00
0411617848 01 12/01/99 0
0411617848 O 11/01/29
0
3003588 K08/G02 F 81,000.00 T
360 80,958.00 1
231 E LANTANA ROAD, UNIT # 205 9.250 666.37 90
9.000 666.37 90,000.00
LANTANA FL 33462 1 10/29/99 04
0411644651 08 12/01/99 25
0411644651 O 11/01/29
0
3003590 K08/G02 F 108,000.00 ZZ
360 107,946.88 4
42 CENTER AVENUE 9.500 908.12 90
9.250 908.12 120,000.00
KEANSBURG NJ 07734 1 11/02/99 04
0411656697 05 12/01/99 25
0411656697 N 11/01/29
0
3003592 K08/G02 F 142,000.00 ZZ
360 141,916.17 1
319 PLEASANT ST 8.625 1,104.46 73
8.375 1,104.46 196,000.00
CAMBRIDGE WI 53523 2 10/28/99 00
0411657539 05 12/01/99 0
0411657539 O 11/01/29
0
3003594 K08/G02 F 86,000.00 ZZ
360 85,954.24 1
30035 SE LUSTED ROAD 9.125 699.72 36
8.875 699.72 240,000.00
GRESHAM OR 97080 5 10/28/99 00
0411670821 05 12/01/99 0
0411670821 O 11/01/29
0
3003596 K08/G02 F 308,000.00 ZZ
360 307,822.79 1
321 AVENIDA SANTA DOROTEA 8.750 2,423.04 80
8.500 2,423.04 385,000.00
LA HABRA CA 90631 1 10/27/99 00
0411676828 03 12/01/99 0
0411676828 O 11/01/29
0
1
3003598 K08/G02 F 161,700.00 ZZ
360 161,624.56 3
24 BRADLEY STREET 9.750 1,389.25 95
9.500 1,389.25 170,275.00
BURLINGTON VT 05401 1 11/02/99 10
0411684285 05 12/01/99 30
0411684285 O 11/01/29
0
3003929 765/G02 F 64,800.00 ZZ
360 64,765.52 1
13126 BROMONT AVE 9.125 527.23 90
8.875 527.23 72,000.00
SAN FERNANDO CA 91342 1 10/18/99 04
0431619170 01 12/01/99 25
349040 N 11/01/29
0
3004150 940/G02 F 145,000.00 ZZ
360 144,918.71 1
1704 NORTH UKIAH WAY 8.875 1,153.69 40
8.625 1,153.69 368,000.00
UPLAND CA 91784 5 10/25/99 00
0431620285 05 12/01/99 0
UP1059 O 11/01/29
0
3004256 811/G02 F 90,000.00 ZZ
360 89,946.87 1
408 SOUTH STREET 8.625 700.01 73
8.375 700.01 124,500.00
PLAINVILLE MA 02762 1 10/29/99 00
0431595685 05 12/01/99 0
FM80035972 O 11/01/29
0
3004344 G41/G02 F 111,700.00 ZZ
240 111,353.49 1
1730 PROSPECT RIDGE BLVD 8.750 987.11 54
8.500 987.11 208,000.00
HADDON HEIGHTS NJ 08035 5 09/28/99 00
0431596956 05 11/01/99 0
R3844 O 10/01/19
0
3004428 575/G02 F 63,000.00 ZZ
360 62,966.47 1
1
179 LEAR ROAD 9.125 512.59 90
8.875 512.59 70,000.00
AVON LAKE OH 44012 1 10/28/99 11
0431603307 05 12/01/99 25
9332008 N 11/01/29
0
3004824 737/G02 F 50,000.00 ZZ
360 49,973.39 1
4303 E CACTUS RD #232B 9.125 406.82 61
8.875 406.82 82,000.00
PHOENIX AZ 85032 1 10/21/99 00
0431610401 05 12/01/99 0
962672 N 11/01/29
0
3004905 737/G02 F 76,000.00 ZZ
360 75,962.62 4
1230 W 3RD STREET 9.500 639.05 95
9.250 639.05 80,000.00
YUMA AZ 85364 1 10/18/99 10
0431650191 05 12/01/99 30
962494 O 11/01/29
0
3005096 B28/G02 F 61,000.00 ZZ
360 60,960.09 1
10460 COUNTY ROAD 284 8.125 452.93 75
7.875 452.93 81,400.00
CARL JUNCTION MO 64834 1 10/22/99 00
0431608751 05 12/01/99 0
05991430 O 11/01/29
0
3005123 E60/G02 F 233,950.00 ZZ
360 233,818.84 1
26 ELM COURT 8.875 1,861.42 90
8.625 1,861.42 260,000.00
SAN LUIS OBISPO CA 93401 1 10/27/99 01
0431620491 05 12/01/99 25
512150 N 11/01/29
0
3006137 K08/G02 F 106,200.00 ZZ
360 106,200.00 1
1587 RUTH STREET 9.000 854.51 90
8.750 854.51 118,000.00
ST PAUL MN 55119 1 11/03/99 04
0411648488 05 01/01/00 25
1
0411648488 N 12/01/29
0
3006143 K08/G02 F 68,500.00 ZZ
360 68,456.32 1
3311 DEER VALLEY ROAD 8.250 514.62 28
8.000 514.62 250,000.00
RESCUE CA 95672 5 10/25/99 00
0411659774 05 12/01/99 0
0411659774 O 11/01/29
0
3006150 K08/G02 F 109,000.00 ZZ
360 109,000.00 1
13280 SE BOBBY BRUCE LANE 9.000 877.04 60
8.750 877.04 182,500.00
BORING OR 97009 1 11/01/99 00
0411670813 05 01/01/00 0
0411670813 N 12/01/29
0
3006155 K08/G02 F 115,500.00 ZZ
360 115,436.91 1
16925 S HEATHERCREEK DR 9.000 929.34 89
8.750 929.34 130,500.00
PLAINFIELD IL 60544 1 11/03/99 01
0411679467 05 12/01/99 25
0411679467 N 11/01/29
0
3006157 K08/G02 F 176,500.00 ZZ
360 176,387.45 1
2007 VISCAYA PARKWAY 8.250 1,325.99 80
8.000 1,325.99 221,000.00
CAPE CORAL FL 33990 5 10/29/99 00
0411682362 05 12/01/99 0
0411682362 O 11/01/29
0
3006928 F32/G02 F 73,800.00 ZZ
360 73,800.00 1
851 MCDANIEL STREET 9.000 593.81 90
8.750 593.81 82,000.00
ATLANTA GA 30310 1 11/02/99 12
0431605047 05 01/01/00 25
407045248 N 12/01/29
0
1
3007466 624/G02 F 104,000.00 ZZ
360 103,943.19 2
1000 EAST 53RD STREET 9.000 836.81 80
8.750 836.81 130,000.00
AUSTIN TX 78758 1 10/29/99 00
0431603521 05 12/01/99 0
82300290536F O 11/01/29
0
3007652 889/G02 F 52,650.00 ZZ
360 52,619.71 1
5150 W JOAN DE ARC AVENUE 8.750 414.20 90
8.500 414.20 58,500.00
GLENDALE AZ 85304 1 10/26/99 12
0431606953 05 12/01/99 25
51110082 N 11/01/29
0
3007662 737/G02 F 95,600.00 ZZ
300 95,501.50 1
8505 W PORT ROYALE LANE 8.125 745.79 80
7.875 745.79 120,000.00
PEORIA AZ 85381 2 10/20/99 00
0431627157 05 12/01/99 0
962561 O 11/01/24
0
3007720 975/G02 F 150,000.00 ZZ
360 149,909.13 1
5256 LOS ADORNOS WAY 8.500 1,153.37 31
8.250 1,153.37 490,000.00
LOS ANGELES CA 90027 5 10/22/99 00
0431606854 05 12/01/99 0
992719 O 11/01/29
0
3008622 K08/G02 F 48,300.00 ZZ
360 48,255.94 2
545 SHERBURNE AVENUE 9.875 419.41 90
9.625 419.41 53,700.00
ST PAUL MN 55103 1 09/02/99 04
0411597719 05 11/01/99 25
0411597719 N 10/01/29
0
3008623 K08/G02 F 172,500.00 ZZ
360 172,403.29 3
120 SCHOOL ALLEY #A, B &C 8.875 1,372.49 75
8.625 1,372.49 230,000.00
1
GRASS VALLEY CA 95945 1 10/28/99 00
0411625916 05 12/01/99 0
0411625916 N 11/01/29
0
3008625 K08/G02 F 41,600.00 ZZ
360 41,576.06 1
1107 RAVENWOOD DRIVE 8.750 327.27 80
8.500 327.27 52,000.00
STEPHENS CITY VA 22655 1 11/04/99 00
0411646466 07 12/01/99 0
0411646466 N 11/01/29
0
3008628 K08/G02 F 132,000.00 ZZ
360 131,927.90 2
1 CHARLES CIRCLE 9.000 1,062.10 80
8.750 1,062.10 165,000.00
HIGHGATE VT 05459 2 11/04/99 00
0411651201 05 12/01/99 0
0411651201 N 11/01/29
0
3008629 K08/G02 F 140,000.00 ZZ
360 139,923.53 2
3 CHARLES CIRCLE 9.000 1,126.47 80
8.750 1,126.47 175,000.00
HIGHGATE VT 05459 2 11/04/99 00
0411651227 05 12/01/99 0
0411651227 N 11/01/29
0
3008630 K08/G02 F 57,600.00 ZZ
360 57,570.13 1
20027 DRESDEN 9.250 473.87 90
9.000 473.87 64,000.00
DETROIT MI 48205 1 10/19/99 04
0411654189 05 12/01/99 25
0411654189 N 11/01/29
0
3008635 K08/G02 F 91,200.00 ZZ
360 91,148.87 1
1912 S TYLER STREET 8.875 725.63 80
8.625 725.63 114,000.00
AMARILLO TX 79109 1 10/29/99 00
0411668791 05 12/01/99 0
0411668791 O 11/01/29
0
1
3008636 K08/G02 F 104,250.00 ZZ
360 104,250.00 2
1963-1967 88TH AVENUE 8.625 810.85 75
8.375 810.85 139,000.00
OAKLAND CA 94621 1 10/28/99 00
0411669203 05 01/01/00 0
0411669203 N 12/01/29
0
3008637 K08/G02 F 127,200.00 ZZ
360 127,200.00 4
411-417 MAGNOLIA STREET 9.875 1,104.54 90
9.625 1,104.54 142,000.00
SLIDELL LA 70460 2 11/04/99 04
0411669229 05 01/01/00 25
0411669229 N 12/01/29
0
3008640 K08/G02 F 135,000.00 T
360 134,922.33 1
527 ST. PHILIP STREET 8.750 1,062.05 90
UNIT 7 8.500 1,062.05 150,000.00
NEW ORLEANS LA 70116 1 11/03/99 04
0411678816 01 12/01/99 25
0411678816 O 11/01/29
0
3008642 K08/G02 F 45,000.00 ZZ
360 44,976.67 1
5208 NW 47TH STREET 9.250 370.20 84
9.000 370.20 53,750.00
WARR ACRES OK 73122 1 11/04/99 04
0411682727 05 12/01/99 25
0411682727 N 11/01/29
0
3008643 K08/G02 F 50,000.00 ZZ
360 49,971.23 1
15 JUERGENS 8.750 393.35 77
8.500 393.35 65,000.00
CINCINNATI OH 45220 1 11/04/99 00
0411683600 05 12/01/99 0
0411683600 N 11/01/29
0
3008645 K08/G02 F 90,000.00 ZZ
360 90,000.00 4
1
1 BRIGHTON STREET 9.000 724.16 90
8.750 724.16 100,000.00
PROVIDENCE RI 02909 1 11/04/99 10
0411688054 05 01/01/00 25
0411688054 N 12/01/29
0
3008646 K08/G02 F 27,000.00 ZZ
360 26,986.72 1
2050 SOUTH POPLAR STREET 9.500 227.03 90
9.250 227.03 30,000.00
WICHITA KS 67211 1 11/04/99 04
0411688492 05 12/01/99 25
0411688492 N 11/01/29
0
3008859 E82/G02 F 150,000.00 ZZ
360 150,000.00 1
207 PEACH TREE LANE 8.750 1,180.05 77
8.500 1,180.05 196,795.00
EGG HARBOR NJ 08234 1 11/05/99 00
0400186052 05 01/01/00 0
0400186052 O 12/01/29
0
3008860 E82/G02 F 55,000.00 ZZ
360 55,000.00 1
112 VINEYARD AVENUE 8.875 437.60 64
8.625 437.60 87,000.00
HIGHLAND NY 12528 1 11/08/99 00
0400242277 05 01/01/00 0
0400242277 O 12/01/29
0
3008861 E82/G02 F 140,000.00 ZZ
360 139,921.52 2
2620 HILLCREST AVENUE 8.875 1,113.90 79
8.625 1,113.90 178,000.00
TAHOE CITY CA 96145 5 10/29/99 00
0400236303 05 12/01/99 0
0400236303 N 11/01/29
0
3009094 638/G02 F 360,000.00 ZZ
360 359,758.45 1
205 MILLER AVENUE 8.000 2,641.55 80
7.750 2,641.55 450,000.00
MILL VALLEY CA 94941 5 10/20/99 00
0431607647 01 12/01/99 0
1
08934725 O 11/01/29
0
3009229 638/G02 F 300,000.00 ZZ
360 299,793.54 1
431 PURDY AVENUE 7.875 2,175.21 80
7.625 2,175.21 375,000.00
PLACENTIA CA 92870 1 10/19/99 00
0431606664 05 12/01/99 0
08924666 O 11/01/29
0
3009300 E86/G02 F 91,300.00 ZZ
360 91,253.89 1
27 TWIN OAKS 9.375 759.39 90
9.125 759.39 101,500.00
NEW MLIFORD CT 06776 1 10/29/99 14
0431611607 01 12/01/99 25
49598 N 11/01/29
0
3009611 638/G02 F 187,900.00 ZZ
360 187,786.17 1
544 SHAGBARK STREET 8.500 1,444.79 80
8.250 1,444.79 234,900.00
WINDSOR CA 95492 1 10/18/99 00
0431606813 05 12/01/99 0
08934373 O 11/01/29
0
3009713 638/G02 F 308,000.00 ZZ
360 307,813.42 1
4641 JERI WAY 8.500 2,368.25 80
8.250 2,368.25 385,000.00
EL CAJON CA 92020 5 10/15/99 00
0431605922 05 12/01/99 0
08933486 O 11/01/29
0
3009782 F27/F27 F 120,000.00 ZZ
360 119,927.30 1
43097 CANDLEWICK SQUARE 8.500 922.70 78
8.250 922.70 155,000.00
LEESBURG VA 20176 2 10/27/99 00
6060104946 07 12/01/99 0
6060104946 N 11/01/29
0
1
3009887 638/G02 F 112,500.00 T
360 112,435.27 1
999 PACIFIC STREET B119 8.750 885.04 90
8.500 885.04 125,000.00
OCEANSIDE CA 92054 1 10/19/99 14
0431626993 01 12/01/99 25
08933061 O 11/01/29
0
3009986 638/G02 F 45,000.00 ZZ
360 44,976.67 1
67 WEST PRINCE STREET 9.250 370.20 90
9.000 370.20 50,000.00
BANNING AREA CA 92220 1 10/21/99 14
0431627124 05 12/01/99 25
08934304 N 11/01/29
0
3010025 638/G02 F 169,000.00 ZZ
360 168,902.77 2
24-26 EUGENIA AVENUE 8.750 1,329.52 63
8.500 1,329.52 270,000.00
SAN FRANCISCO CA 94110 5 10/21/99 00
0431635846 05 12/01/99 0
008892922 O 11/01/29
0
3010034 637/G02 F 71,500.00 ZZ
360 71,456.68 1
15834 HOGENVILLE AVENUE 8.500 549.78 52
8.250 549.78 138,000.00
BATON ROUGE LA 70817 2 10/18/99 00
0431609981 05 12/01/99 0
0019000082 O 11/01/29
0
3010048 638/G02 F 99,000.00 ZZ
360 98,951.30 4
114 HAWKINS STREET 9.500 832.45 90
9.250 832.45 110,000.00
PROVIDENCE RI 02920 1 10/22/99 14
0431646439 05 12/01/99 20
08929356 N 11/01/29
0
3010075 638/G02 F 92,800.00 ZZ
360 92,743.78 1
16721 VENTURI COURT 8.500 713.55 80
8.250 713.55 116,000.00
1
WEED CA 96094 1 10/22/99 00
0431635820 05 12/01/99 0
08932167 O 11/01/29
0
3011062 K08/G02 F 60,450.00 ZZ
360 60,412.43 1
7802 CLYDESDALE DRIVE 8.375 459.46 80
8.125 459.46 75,600.00
AUSTIN TX 78745 1 11/05/99 00
0411625189 05 12/01/99 0
0411625189 N 11/01/29
0
3011064 K08/G02 F 347,500.00 ZZ
360 347,500.00 1
4403 CANYONSIDE TRAIL 8.875 2,764.87 73
8.625 2,764.87 482,000.00
AUSTIN TX 78731 5 11/01/99 00
0411646037 03 01/01/00 0
0411646037 O 12/01/29
0
3011067 K08/G02 F 304,600.00 ZZ
360 304,600.00 4
208 4TH AVENUE 9.250 2,505.87 90
9.000 2,505.87 338,500.00
BRADLEY BEACH NJ 07720 1 11/05/99 14
0411652803 05 01/01/00 25
0411652803 O 12/01/29
0
3011071 K08/G02 F 255,550.00 ZZ
360 255,402.98 4
461-463 EASTERN AVENUE 8.750 2,010.41 95
8.500 2,010.41 269,000.00
LYNN MA 01902 1 11/05/99 04
0411668387 05 12/01/99 30
0411668387 O 11/01/29
0
3011073 K08/G02 F 59,600.00 ZZ
360 59,567.44 1
2809 JEB STUART DRIVE 9.000 479.56 80
8.750 479.56 74,500.00
LEAGUE CITY TX 77573 5 11/01/99 00
0411670326 03 12/01/99 0
0411670326 O 11/01/29
0
1
3011076 K08/G02 F 278,400.00 ZZ
360 278,231.34 1
801 PARKDALE DRIVE 8.500 2,140.66 80
8.250 2,140.66 348,000.00
SOUTHLAKE TX 76092 5 11/01/99 00
0411678360 03 12/01/99 0
0411678360 O 11/01/29
0
3011077 K08/G02 F 187,900.00 ZZ
360 187,900.00 1
7573 QUIET COVE CIRCLE 8.875 1,495.02 80
8.625 1,495.02 234,990.00
HUNTINGTON BEAC CA 92648 1 11/02/99 00
0411678543 01 01/01/00 0
0411678543 O 12/01/29
0
3011082 K08/G02 F 60,000.00 ZZ
360 60,000.00 1
4242 N CAPISTRANO DR 8.500 461.35 55
UNIT 118 8.250 461.35 110,000.00
DALLAS TX 75287 1 11/05/99 00
0411694946 01 01/01/00 0
0411694946 O 12/01/29
0
3011888 685/G02 F 245,000.00 ZZ
360 245,000.00 1
3359 FAIRVIEW LANE 8.625 1,905.59 76
8.375 1,905.59 325,000.00
VISTA CA 92084 5 11/01/99 00
0431611193 05 01/01/00 0
119810 O 12/01/29
0
3012421 F32/G02 F 219,600.00 ZZ
360 219,494.79 4
2700 ANTIOCH ROAD BUILDING A 9.625 1,866.58 90
9.375 1,866.58 244,000.00
CUMMING GA 30040 1 11/03/99 12
0431613645 05 12/01/99 25
405132105 N 11/01/29
0
3012433 K15/G02 F 132,000.00 ZZ
360 131,917.95 1
1
4521 WEST GELDING DRIVE 8.375 1,003.30 59
8.125 1,003.30 225,000.00
GLENDALE AZ 85306 2 10/22/99 00
0431620079 05 12/01/99 0
3000320 O 11/01/29
0
3012595 E30/G02 F 196,000.00 ZZ
360 195,890.12 1
1077 SCENIC AVENUE 8.875 1,559.46 74
8.625 1,559.46 265,000.00
CAMANO ISLAND WA 98292 2 10/28/99 00
0431620160 05 12/01/99 0
1993051WA O 11/01/29
0
3012603 163/G02 F 90,000.00 ZZ
360 89,893.35 1
135 BAKER ST 8.625 700.01 75
8.375 700.01 120,000.00
BRIDGEPORT CT 06606 1 09/24/99 00
0431619899 05 11/01/99 0
1000177996 O 10/01/29
0
3012854 638/G02 F 297,600.00 ZZ
360 297,405.33 1
44 OLCESE COURT 8.125 2,209.67 80
7.875 2,209.67 372,000.00
DALY CITY CA 94015 1 10/20/99 00
0431621473 05 12/01/99 0
08937343 O 11/01/29
0
3012975 944/G02 F 171,000.00 ZZ
360 170,890.96 1
233 A STREET 8.250 1,284.67 70
8.000 1,284.67 244,900.00
SOUTH SAN FRANC CA 94080 1 10/14/99 00
0431622315 05 12/01/99 0
17978 O 11/01/29
0
3012998 562/G02 F 227,400.00 ZZ
360 227,400.00 2
431 ST LAWRENCE AVENUE 9.375 1,891.40 90
9.125 1,891.40 252,700.00
BRONX NY 10473 1 11/08/99 04
0431620392 07 01/01/00 25
1
621599 N 12/01/29
0
3013336 E82/G02 F 264,000.00 ZZ
360 264,000.00 1
753 KIZER STREET 8.625 2,053.36 76
8.375 2,053.36 350,000.00
MILPITAS CA 95035 2 11/03/99 00
0400239117 05 01/01/00 0
0400239117 O 12/01/29
0
3013825 K08/G02 F 228,950.00 ZZ
360 228,950.00 4
54-56 HUDSON STREET 9.750 1,967.03 95
9.500 1,967.03 241,000.00
DOVER NJ 07801 2 11/03/99 04
0411559826 05 01/01/00 30
0411559826 O 12/01/29
0
3013835 K08/G02 F 79,650.00 ZZ
360 79,606.50 1
2168 ST. ANTHONY 9.000 640.88 90
8.750 640.88 88,500.00
ST PAUL MN 55119 1 11/06/99 10
0411676463 05 12/01/99 25
0411676463 N 11/01/29
0
3013836 K08/G02 F 42,550.00 E
360 42,550.00 1
625 SOUTH NEBRASKA 9.250 350.05 80
9.000 350.05 53,200.00
CASPER WY 82609 1 11/08/99 00
0411678436 05 01/01/00 0
0411678436 N 12/01/29
0
3013837 K08/G02 F 119,700.00 ZZ
360 119,700.00 3
240 BENSON STREET 8.500 920.39 95
8.250 920.39 126,000.00
NAPLES FL 34113 1 11/08/99 01
0411679095 05 01/01/00 30
0411679095 O 12/01/29
0
1
3013839 K08/G02 F 78,200.00 ZZ
360 78,200.00 2
1120 & 1130 SOUTH WILLOW 9.250 643.33 80
9.000 643.33 97,806.00
CASPER WY 82601 1 11/08/99 00
0411679541 05 01/01/00 0
0411679541 N 12/01/29
0
3013841 K08/G02 F 145,600.00 ZZ
360 145,600.00 1
393 MORGAN HILL DRIVE 9.125 1,184.65 80
8.875 1,184.65 182,000.00
LAKE ORION MI 48360 5 11/02/99 00
0411683543 05 01/01/00 0
0411683543 O 12/01/29
0
3013842 K08/G02 F 57,500.00 T
360 57,500.00 1
13697 NORTH FOREST BEACH SHORE 8.875 457.50 75
8.625 457.50 76,700.00
NORTHPORT MI 49670 1 11/08/99 00
0411685522 05 01/01/00 0
0411685522 O 12/01/29
0
3013843 K08/G02 F 203,700.00 ZZ
360 203,700.00 1
81 LITTLE RIVER ROAD 9.125 1,657.37 75
8.875 1,657.37 271,625.00
KINGSTON NH 03848 1 11/08/99 00
0411685910 05 01/01/00 0
0411685910 N 12/01/29
0
3013846 K08/G02 F 89,900.00 ZZ
360 89,900.00 1
22 PRIVATE ROAD 919 9.375 747.74 90
9.125 747.74 99,900.00
LEANDER TX 78641 1 11/05/99 11
0411691389 05 01/01/00 25
0411691389 N 12/01/29
0
3014577 354/354 F 151,200.00 ZZ
360 150,645.83 1
4497 SOUTH ALAMOS WAY 7.625 1,070.18 80
7.375 1,070.18 189,000.00
1
GOLD CANYON AZ 85219 1 06/02/99 00
0023155369 03 08/01/99 0
0023155369 O 07/01/29
0
3014579 354/354 F 65,600.00 ZZ
360 65,413.39 1
3713 BROOK-WOODS DRIVE 8.875 521.94 80
8.625 521.94 82,000.00
HOUSTON TX 77092 1 06/23/99 00
0023235435 05 08/01/99 0
0023235435 N 07/01/29
0
3014580 354/354 F 60,500.00 ZZ
360 60,243.29 1
3812 OLIVE 8.875 481.37 67
8.625 481.37 91,000.00
NORTH LITTLE RO AR 72116 5 07/26/99 00
0023314024 05 09/01/99 0
0023314024 O 08/01/29
0
3014581 354/354 F 55,000.00 ZZ
360 54,816.18 1
1408 NW 8TH PLACE 8.125 408.37 65
7.875 408.37 85,000.00
ANDREWS TX 79714 1 06/24/99 00
0023333909 05 08/01/99 0
0023333909 O 07/01/29
0
3014584 354/354 F 126,400.00 ZZ
360 126,031.04 1
ROUTE 2 BOX 578 8.750 994.39 80
8.500 994.39 158,000.00
MACCLENNY FL 32063 1 06/16/99 00
0028335727 05 08/01/99 0
0028335727 O 07/01/29
0
3014585 354/354 F 200,000.00 ZZ
360 199,416.16 1
10402 GREENHEDGES DRIVE 8.750 1,573.41 80
8.500 1,573.41 250,000.00
TAMPA FL 33626 1 06/30/99 00
0028347714 03 08/01/99 0
0028347714 O 07/01/29
0
1
3014587 354/354 F 88,400.00 ZZ
360 88,152.54 1
320 SW 25TH ROAD 9.000 711.29 46
8.750 711.29 195,000.00
MIAMI FL 33129 2 07/30/99 00
0028391068 05 10/01/99 0
0028391068 O 09/01/29
0
3014602 549/549 F 114,000.00 ZZ
360 113,807.43 1
5000 BOHEMIAN HIGHWAY 8.375 866.49 70
8.125 866.49 165,000.00
OCCIDENTAL CA 95465 5 09/09/99 00
6371595767 05 11/01/99 0
6371595767 O 10/01/29
0
3014768 163/G02 F 472,500.00 ZZ
360 472,221.04 1
60 EDGEWATER COMMONS LANE 8.625 3,675.05 70
8.375 3,675.05 675,000.00
WESTPORT CT 06880 1 10/15/99 00
0431623115 05 12/01/99 0
1000145270 O 11/01/29
0
3014824 K15/G02 F 251,750.00 ZZ
360 251,608.86 1
5530 HAZELTINE AVENUE 8.875 2,003.04 95
8.625 2,003.04 265,000.00
LOS ANGELES CA 91401 2 10/22/99 11
0431646603 05 12/01/99 30
3001135 O 11/01/29
0
3014854 163/G02 F 159,600.00 ZZ
360 159,517.26 2
1921 COLBY AVENUE 9.250 1,312.99 80
9.000 1,312.99 199,500.00
EVERETT WA 98201 1 10/19/99 00
0431623016 05 12/01/99 0
217156235 N 11/01/29
0
3015641 K15/G02 F 116,100.00 ZZ
360 116,033.20 2
1
236 FULTON STREET 8.750 913.36 90
8.500 913.36 129,000.00
ELIZABETH NJ 07206 1 10/29/99 01
0431619840 05 12/01/99 25
3001860 N 11/01/29
0
3015644 F34/G02 F 252,000.00 ZZ
360 251,885.51 4
1322 PIEDMONT AVENUE NE 9.875 2,188.24 90
9.625 2,188.24 280,000.00
ATLANTA GA 30309 1 10/21/99 01
0431622604 05 12/01/99 25
9900371 N 11/01/29
0
3015740 455/G02 F 195,000.00 ZZ
360 194,890.68 1
1331 PEBBLEBROOK ROAD 8.875 1,551.51 75
8.625 1,551.51 260,000.00
MABLETON GA 30059 5 11/01/99 00
0431624154 05 12/01/99 0
86542 O 11/01/29
0
3015800 624/G02 F 195,750.00 ZZ
360 195,750.00 1
23711 BALLESTROS ROAD 8.750 1,539.97 90
8.500 1,539.97 217,500.00
MURRIETA CA 92562 1 11/01/99 04
0431650563 05 01/01/00 25
38300190263F O 12/01/29
0
3016070 526/526 F 74,700.00 ZZ
360 74,611.48 1
5818 FORT HAVEN DR 8.625 581.01 90
8.375 581.01 83,000.00
MILLINGTON TN 38053 2 09/20/99 01
0377840 05 11/01/99 25
0377840 N 10/01/29
0
3016072 526/526 F 78,900.00 ZZ
360 78,804.05 1
4218 N 2ND DR 8.500 606.68 79
8.250 606.68 100,000.00
PHOENIX AZ 85013 2 09/28/99 00
0379310 05 11/01/99 0
1
0379310 N 10/01/29
0
3016073 526/526 F 77,144.00 ZZ
360 76,999.12 1
216 MEYERS AVENUE 8.375 586.36 78
8.125 586.36 99,000.00
HENDERSON NV 89015 2 08/25/99 00
0379435 05 10/01/99 0
0379435 N 09/01/29
0
3016074 526/526 F 64,750.00 ZZ
360 64,628.41 1
4415 SHALIMAR AVENUE 8.375 492.15 70
8.125 492.15 92,500.00
LAS VEGAS NV 89115 5 08/25/99 00
0379442 05 10/01/99 0
0379442 N 09/01/29
0
3016075 526/526 F 47,700.00 ZZ
360 47,623.25 3
3917 W TONTO ST 9.125 388.11 90
8.875 388.11 53,000.00
PHOENIX AZ 85009 1 08/31/99 01
0379764 05 10/01/99 25
0379764 N 09/01/29
0
3016076 526/526 F 126,000.00 ZZ
360 125,865.39 4
260 W 8TH AVE #33 9.125 1,025.18 90
8.875 1,025.18 140,000.00
MESA AZ 85210 1 09/01/99 01
0379943 03 11/01/99 25
0379943 N 10/01/29
0
3016077 526/526 F 126,000.00 ZZ
360 125,865.39 4
260 W 8TH AVE #26 9.125 1,025.18 90
8.875 1,025.18 140,000.00
MESA AZ 85210 1 09/01/99 01
0379946 03 11/01/99 25
0379946 N 10/01/29
0
1
3016078 526/526 F 240,750.00 ZZ
360 240,471.97 4
1623 E NANETTE AVENUE 8.750 1,893.98 89
8.500 1,893.98 272,000.00
WEST COVINA CA 91792 1 09/06/99 10
0380070 05 11/01/99 25
0380070 O 10/01/29
0
3016079 526/526 F 87,200.00 ZZ
360 87,101.86 4
10643 N 15TH AVE 8.875 693.81 80
8.625 693.81 109,000.00
PHOENIX AZ 85029 1 09/13/99 00
0380257 05 11/01/99 0
0380257 N 10/01/29
0
3016080 526/526 F 67,500.00 ZZ
360 67,379.58 1
3832 W ACAPULCO LN 8.625 525.01 90
8.375 525.01 75,000.00
PHOENIX AZ 85053 1 08/27/99 11
0380283 05 10/01/99 25
0380283 N 09/01/29
0
3016081 526/526 F 310,000.00 ZZ
360 309,651.13 3
51-53 ALLSTON ST 8.875 2,466.50 70
8.625 2,466.50 445,000.00
BOSTON MA 02134 2 09/13/99 00
0380637 05 11/01/99 0
0380637 N 10/01/29
0
3016082 526/526 F 160,200.00 ZZ
360 160,000.36 1
42805 N 7TH AVE 9.000 1,289.01 90
8.750 1,289.01 178,000.00
PHOENIX AZ 85027 1 09/03/99 11
0380756 05 11/01/99 25
0380756 N 10/01/29
0
3016083 526/526 F 81,000.00 ZZ
360 80,916.14 2
831 W RAY RD 9.375 673.72 90
9.125 673.72 90,000.00
1
CHANDLER AZ 85224 1 09/09/99 12
0380963 05 11/01/99 25
0380963 N 10/01/29
0
3016084 526/526 F 62,400.00 ZZ
360 62,333.33 1
2081 S 10TH AVE 9.125 507.71 80
8.875 507.71 78,000.00
YUMA AZ 85364 5 09/20/99 00
0380995 05 11/01/99 0
0380995 O 10/01/29
0
3016085 526/526 F 58,100.00 ZZ
360 58,027.51 1
25095 SHALIMAR AVE 8.375 441.61 70
8.125 441.61 83,000.00
LAS VEGAS NV 89115 5 08/25/99 00
0381104 05 11/01/99 0
0381104 N 10/01/29
0
3016086 526/526 F 294,000.00 ZZ
360 293,677.60 4
16706 E ALMONT 9.000 2,365.60 80
8.750 2,365.60 367,500.00
FOUNTAIN HILLS AZ 85268 1 09/16/99 00
0381198 05 11/01/99 0
0381198 N 10/01/29
0
3016087 526/526 F 80,000.00 ZZ
360 79,902.71 4
3481 KEARSAGE DR 8.500 615.14 90
8.250 615.14 89,000.00
LAKE HAVASU CIT AZ 86406 1 09/10/99 11
0381412 05 11/01/99 25
0381412 N 10/01/29
0
3016088 526/526 F 272,900.00 ZZ
360 272,747.00 1
57661 POPLAR LOOP 8.875 2,171.32 70
8.625 2,171.32 389,900.00
SUNRIVER OR 97707 1 10/18/99 00
0381416 03 12/01/99 0
0381416 N 11/01/29
0
1
3016090 526/526 F 236,000.00 ZZ
360 235,720.32 1
2130 COLLINWAY ST 8.625 1,835.59 80
8.375 1,835.59 295,000.00
OTTAMA OH 43606 2 10/01/99 00
0381674 05 11/01/99 0
0381674 N 10/01/29
0
3016091 526/526 F 90,000.00 ZZ
360 89,898.69 3
2 WEST OAKLAND ST 8.875 716.09 90
8.625 716.09 100,000.00
CHANDLER AZ 85224 1 09/24/99 11
0381682 05 11/01/99 25
0381682 N 10/01/29
0
3016092 526/526 F 58,500.00 ZZ
360 58,230.93 1
727 S HARTFORD ST #191 9.125 475.98 90
8.875 475.98 65,000.00
CHANDLER AZ 85224 1 09/10/99 04
0382493 09 11/01/99 25
0382493 N 10/01/29
0
3016093 526/526 F 117,000.00 ZZ
360 116,854.03 1
16236 SOUTH 32ND PLACE 8.375 889.29 90
8.125 889.29 130,000.00
PHOENIX AZ 85044 1 09/20/99 11
0382526 03 11/01/99 25
0382526 N 10/01/29
0
3016094 526/526 F 48,150.00 ZZ
360 48,125.68 1
4052 NW 88 AVE #1-D 9.375 400.49 90
9.125 400.49 53,500.00
SUNRISE FL 33351 1 10/08/99 12
0382698 01 12/01/99 25
0382698 N 11/01/29
0
3016095 526/526 F 204,250.00 ZZ
360 204,001.64 3
1
1369 OGDEN ST 8.500 1,570.51 95
8.250 1,570.51 215,000.00
DENVER CO 80218 1 09/29/99 04
0382745 05 11/01/99 30
0382745 O 10/01/29
0
3016096 526/526 F 108,500.00 ZZ
360 108,377.89 4
1850 N SPRING 8.875 863.28 70
8.625 863.28 155,000.00
MESA AZ 85203 5 09/24/99 00
0383222 09 11/01/99 0
0383222 N 10/01/29
0
3016097 526/526 F 130,400.00 ZZ
360 130,249.40 1
493 EAST CANTEBRIA DR 8.750 1,025.86 90
8.500 1,025.86 144,900.00
GILBERT AZ 85296 1 09/23/99 01
0383379 03 11/01/99 25
0383379 N 10/01/29
0
3016098 526/526 F 85,500.00 ZZ
360 85,406.23 2
1908 WEST WELDON AVE 9.000 687.96 95
8.750 687.96 90,000.00
PHOENIX AZ 85015 1 09/20/99 12
0383443 05 11/01/99 30
0383443 O 10/01/29
0
3016099 526/526 F 495,000.00 ZZ
360 494,366.54 4
2222 WALNUT STREET 8.250 3,718.77 75
8.000 3,718.77 660,000.00
BOULDER CO 80302 1 09/27/99 00
0383491 05 11/01/99 0
0383491 N 10/01/29
0
3016100 526/526 F 122,800.00 ZZ
360 122,661.81 4
3108 N 68TH STREET 8.875 977.05 80
8.625 977.05 153,500.00
SCOTTSDALE AZ 85251 1 09/30/99 00
0383492 05 11/01/99 0
1
0383492 N 10/01/29
0
3016101 526/526 F 122,800.00 ZZ
360 122,661.81 4
3114 N 68TH STREET 8.875 977.05 80
8.625 977.05 153,500.00
SCOTTSDALE AZ 85251 1 09/30/99 00
0383577 05 11/01/99 0
0383577 N 10/01/29
0
3016102 526/526 F 134,550.00 ZZ
360 134,461.98 1
17909 E WARNER RD 8.125 999.04 65
7.875 999.04 207,000.00
HIGLEY AZ 85236 5 10/01/99 00
0383702 05 12/01/99 0
0383702 O 11/01/29
0
3016103 526/526 F 53,100.00 ZZ
360 53,071.00 1
25095 JUANITA AVE 9.000 427.25 90
8.750 427.25 59,000.00
MORENO VALLEY CA 92551 1 10/13/99 10
0383842 05 12/01/99 25
0383842 N 11/01/29
0
3016105 526/526 F 135,000.00 ZZ
360 134,911.68 2
1508 E 1510 8TH ST 8.125 1,002.38 90
7.875 1,002.38 150,000.00
TUCSON AZ 85719 1 10/06/99 11
0383914 05 12/01/99 25
0383914 N 11/01/29
0
3016106 526/526 F 64,800.00 ZZ
360 64,762.72 1
23430 BAY AVE 8.750 509.78 90
8.500 509.78 72,000.00
MORENO VALLEY CA 92553 1 10/11/99 11
0383925 05 12/01/99 25
0383925 N 11/01/29
0
1
3016107 526/526 F 81,450.00 ZZ
360 81,403.14 2
3765 & 3767 LENORE W 8.750 640.77 90
8.500 640.77 90,500.00
NORTH HIGHLANDS CA 95660 1 10/18/99 04
0384393 05 12/01/99 25
0384393 N 11/01/29
0
3016108 526/526 F 125,000.00 ZZ
360 124,929.92 1
40572 NORTH TERRITORY TRAIL 8.875 994.56 90
8.625 994.56 138,964.00
ANTHEM AZ 85086 1 10/07/99 01
0384400 03 12/01/99 25
0384400 N 11/01/29
0
3016109 526/526 F 46,800.00 ZZ
360 46,775.10 1
2448 EAST TUSCARAWAS 9.125 380.78 90
8.875 380.78 52,000.00
CANTON OH 44707 1 10/28/99 01
0384559 05 12/01/99 25
0384559 N 11/01/29
0
3016110 526/526 F 130,000.00 ZZ
360 129,923.25 1
10861 UTICA STREET 8.625 1,011.13 65
8.375 1,011.13 200,000.00
WESTMINSTER CO 80031 1 10/28/99 00
0385293 05 12/01/99 0
0385293 N 11/01/29
0
3016111 526/526 F 390,000.00 ZZ
360 389,781.35 1
2239 AVENIDA SALVADO 8.875 3,103.02 75
8.625 3,103.02 520,000.00
SAN CLEMENT CA 92672 1 10/22/99 00
0385318 05 12/01/99 0
0385318 N 11/01/29
0
3016112 526/526 F 106,740.00 ZZ
360 106,683.19 1
710 WEST VAUGHN ST 9.125 868.48 90
8.875 868.48 118,600.00
1
TEMPE AZ 85283 1 10/14/99 12
0385350 05 12/01/99 25
0385350 N 11/01/29
0
3016113 526/526 F 51,943.00 ZZ
360 51,916.06 1
1853 E KIRKLAND LN 9.250 427.33 90
9.000 427.33 57,715.00
TEMPE AZ 85281 1 10/25/99 04
0385909 01 12/01/99 25
0385909 N 11/01/29
0
3017077 K08/G02 F 394,200.00 ZZ
360 394,200.00 1
55 LACONHEATH AVENUE 8.875 3,136.43 80
8.625 3,136.43 492,864.00
NOVATO CA 94949 1 11/04/99 00
0411654437 03 01/01/00 0
0411654437 O 12/01/29
0
3017078 K08/G02 F 100,800.00 ZZ
360 100,800.00 1
3275 5TH STREET 8.750 792.99 80
8.500 792.99 126,000.00
MARION IA 52302 2 11/02/99 00
0411654981 05 01/01/00 0
0411654981 O 12/01/29
0
3017082 K08/G02 F 123,000.00 ZZ
360 123,000.00 1
2109 BERRY PATCH DR 8.500 945.76 84
8.250 945.76 147,000.00
CINCINNATI OH 45244 5 11/04/99 04
0411661366 05 01/01/00 12
0411661366 O 12/01/29
0
3017084 K08/G02 F 63,900.00 ZZ
360 63,862.27 1
6264 GREAT SMOKEY AVENUE 8.625 497.01 64
8.375 497.01 100,000.00
LAS VEGAS NV 89156 5 10/29/99 00
0411675879 27 12/01/99 0
0411675879 O 11/01/29
0
1
3017086 K08/G02 F 108,900.00 ZZ
360 108,900.00 1
2265 WEST 175 NORTH 9.250 895.89 90
9.000 895.89 121,000.00
ALBION IN 46701 2 11/04/99 04
0411680473 05 01/01/00 25
0411680473 O 12/01/29
0
3017087 K08/G02 F 200,000.00 ZZ
360 200,000.00 1
971 ROBLEY PLACE 8.750 1,573.40 65
8.500 1,573.40 312,000.00
CARDIFF CA 92007 1 11/04/99 00
0411684053 05 01/01/00 0
0411684053 O 12/01/29
0
3017088 K08/G02 F 92,000.00 ZZ
360 92,000.00 1
3171 EAST POINT STREET 9.375 765.21 80
9.125 765.21 115,000.00
EAST POINT GA 30344 5 11/09/99 00
0411685316 05 01/01/00 0
0411685316 N 12/01/29
0
3017089 K08/G02 F 175,200.00 ZZ
360 175,200.00 3
3950 L K WOOD COURT 8.375 1,331.65 80
8.125 1,331.65 219,000.00
ARCATA CA 95521 1 11/03/99 00
0411686009 05 01/01/00 0
0411686009 O 12/01/29
0
3017090 K08/G02 F 117,400.00 ZZ
360 117,400.00 1
1593 WEST 1725 SOUTH 8.750 923.59 90
8.500 923.59 130,450.00
WOODS CROSS UT 84087 1 11/03/99 04
0411686256 05 01/01/00 25
0411686256 O 12/01/29
0
3017092 K08/G02 F 70,000.00 ZZ
360 70,000.00 1
1
431 PRINCESS AVENUE 9.375 582.22 70
9.125 582.22 100,000.00
CROYDON(BRISTOL PA 19007 1 11/09/99 00
0411691439 05 01/01/00 0
0411691439 N 12/01/29
0
3017277 E82/G02 F 131,500.00 ZZ
360 131,500.00 1
1240 PARKSIDE LANE 8.000 964.90 87
7.750 964.90 151,592.00
WACONIA MN 55322 1 11/12/99 04
0400240214 05 01/01/00 25
0400240214 N 12/01/29
0
3017279 E82/G02 F 46,200.00 ZZ
360 46,200.00 1
216 WATERGATE 8.500 355.24 70
8.250 355.24 66,000.00
MAPLE SHADE TOW NJ 08052 5 11/12/99 00
0400242012 01 01/01/00 0
0400242012 N 12/01/29
0
3017281 E82/G02 F 168,000.00 ZZ
360 168,000.00 1
24 PUMPKIN PINE ROAD 8.500 1,291.77 80
8.250 1,291.77 210,000.00
NATICK MA 01760 1 11/12/99 00
0400243341 05 01/01/00 0
0400243341 O 12/01/29
0
3017694 455/G02 F 162,000.00 ZZ
360 162,000.00 1
6412 WEXLEY LANE 9.625 1,376.98 90
9.375 1,376.98 180,000.00
THE COLONY TX 75056 2 11/02/99 01
0431649375 03 01/01/00 25
45419 N 12/01/29
0
3017935 A75/G02 F 102,000.00 ZZ
360 102,000.00 4
8003 ROTHINGTON ROAD 9.000 820.72 80
UNITS 21-23-25-27 8.750 820.72 127,500.00
DALLAS TX 75227 1 11/09/99 00
0431617745 05 01/01/00 0
1
1000020428 N 12/01/29
0
3018072 811/G02 F 180,000.00 ZZ
360 180,000.00 1
1293 ECHO WIND AVENUE 8.125 1,336.49 75
7.875 1,336.49 240,000.00
HENDERSON NV 89012 1 11/03/99 00
0431622737 03 01/01/00 0
FM80037511 O 12/01/29
0
3018304 J40/G02 F 152,000.00 ZZ
360 151,900.57 1
1511 RIDGE ROAD 8.125 1,128.60 52
7.875 1,128.60 295,000.00
BIRMINGHAM AL 35209 2 10/25/99 00
0431619410 05 12/01/99 0
CM990490 O 11/01/29
0
3019102 623/G02 F 109,000.00 ZZ
360 108,933.96 1
35245 DEQINDRE 8.500 838.12 76
8.250 838.12 145,000.00
TROY MI 48023 1 10/08/99 00
0431621424 05 12/01/99 0
1383558 O 11/01/29
0
3019103 623/G02 F 78,675.00 ZZ
360 78,634.21 1
705 23RD AVE 9.250 647.24 75
9.000 647.24 104,900.00
GREELEY CO 80631 1 10/22/99 00
0431637222 05 12/01/99 0
1511551 O 11/01/29
0
3019104 623/G02 F 100,000.00 ZZ
360 99,934.58 1
1236 WHIRLAWAY DRIVE 8.125 742.50 61
7.875 742.50 164,000.00
EL PASO TX 79936 1 10/20/99 00
0431630797 03 12/01/99 0
5220352 O 11/01/29
0
1
3019105 623/G02 F 154,000.00 ZZ
360 153,901.79 1
210 FLORAS ROAD 8.250 1,156.96 76
8.000 1,156.96 205,000.00
ALEDO TX 76008 1 10/19/99 00
0431621598 05 12/01/99 0
5221158 O 11/01/29
0
3019106 623/G02 F 61,200.00 ZZ
360 61,162.92 1
879 #C MANOR LANE 8.500 470.58 80
8.250 470.58 76,500.00
COLUMBUS OH 43221 1 10/12/99 00
0431634153 01 12/01/99 0
1390194 O 11/01/29
0
3019107 623/G02 F 114,400.00 ZZ
360 114,343.73 1
3000 W. KOOTENAI STREET 9.500 961.94 80
9.250 961.94 143,000.00
BOISE ID 83705 1 10/13/99 00
0431634310 05 12/01/99 0
1683284 O 11/01/29
0
3019108 623/G02 F 115,500.00 ZZ
360 115,428.21 1
119 HULL AVENUE 8.375 877.88 73
8.125 877.88 160,000.00
OAKLAND FL 34760 1 10/20/99 00
0431633676 05 12/01/99 0
5220171 O 11/01/29
0
3019109 623/G02 F 93,350.00 ZZ
360 93,300.32 1
12480 LOMPICO ROAD 9.125 759.53 75
8.875 759.53 124,500.00
FELTON CA 95018 1 10/12/99 00
0431633395 05 12/01/99 0
6249659 O 11/01/29
0
3019110 623/G02 F 159,750.00 ZZ
360 159,653.22 1
12703 CORTE RAYITO 8.500 1,228.34 75
8.250 1,228.34 213,000.00
1
POWAY CA 92064 1 10/12/99 00
0431635176 05 12/01/99 0
6324812 O 11/01/29
0
3019111 623/G02 F 225,000.00 ZZ
360 224,867.16 1
981 GRAYSON PARKWAY 8.625 1,750.03 75
8.375 1,750.03 300,000.00
GRAYSON GA 30017 1 10/15/99 00
0431635556 05 12/01/99 0
1353670 O 11/01/29
0
3019112 623/G02 F 85,500.00 ZZ
360 85,417.75 1
2207 S. BRAESWOOD BLVD. #41J 9.625 726.74 75
9.375 726.74 114,000.00
HOUSTON TX 77030 1 09/22/99 00
0431633684 01 11/01/99 0
5220289 N 10/01/29
0
3019113 623/G02 F 128,000.00 ZZ
360 127,922.46 1
21080 BOULDER CIRCLE 8.500 984.21 80
8.250 984.21 160,000.00
NORTHVILLE MI 48167 1 10/14/99 00
0431630888 01 12/01/99 0
5218721 O 11/01/29
0
3019114 623/G02 F 56,000.00 ZZ
360 55,966.93 1
1155 CALLE CASTANO 8.625 435.57 21
8.375 435.57 270,000.00
THOUSAND OAKS CA 91360 1 10/13/99 00
0431633627 05 12/01/99 0
6251695 O 11/01/29
0
3019115 623/G02 F 188,850.00 ZZ
360 188,746.85 1
26781 OLYMPIC TRAIL NORTH 9.000 1,519.53 79
8.750 1,519.53 240,000.00
LINDSTROM MN 55045 1 10/18/99 00
0431636877 05 12/01/99 0
1366512 O 11/01/29
0
1
3019116 623/G02 F 61,950.00 ZZ
360 61,916.17 1
1508 TWIN ISLAND DRIVE 9.000 498.46 70
8.750 498.46 88,500.00
LOCKHART TX 78644 1 10/08/99 00
0431630060 05 12/01/99 0
5221050 N 11/01/29
0
3019117 623/G02 F 68,000.00 ZZ
360 67,954.37 1
1301 HAMPTON BLVD 8.000 498.96 95
#212 7.750 498.96 71,600.00
NORFOLK VA 23517 1 10/25/99 11
0431634708 01 12/01/99 30
1390835 O 11/01/29
0
3019118 623/G02 F 63,000.00 ZZ
360 62,968.18 1
18410 NORTH 97TH AVENUE 9.375 524.01 75
9.125 524.01 84,000.00
SUN CITY AZ 85373 1 10/13/99 00
0431633502 03 12/01/99 0
6307077 O 11/01/29
0
3019119 623/G02 F 157,500.00 T
360 157,418.35 1
4133 JORY TRAIL 9.250 1,295.71 75
9.000 1,295.71 210,000.00
LAS VEGAS NV 89108 1 10/07/99 00
0431633973 05 12/01/99 0
1309531 O 11/01/29
0
3019120 623/G02 F 76,500.00 ZZ
360 76,458.21 1
5803 OAKWOOD BLVD 9.000 615.54 59
8.750 615.54 131,500.00
COLORADO SPRING CO 80918 1 10/13/99 00
0431637875 05 12/01/99 0
1513183 N 11/01/29
0
3019121 623/G02 F 145,000.00 ZZ
360 144,907.54 1
1
1073 LANIER BLVD 8.250 1,089.34 31
8.000 1,089.34 475,000.00
ATLANTA GA 30306 5 10/07/99 00
0431636919 05 12/01/99 0
1353599 O 11/01/29
0
3019122 623/G02 F 340,000.00 ZZ
360 339,804.39 1
505 CAMINO DE LUCIA 8.750 2,674.78 80
8.500 2,674.78 425,000.00
CORRALES NM 87048 1 10/21/99 00
0431637529 05 12/01/99 0
1514309 O 11/01/29
0
3019123 623/G02 F 56,950.00 ZZ
360 56,873.32 1
7236 CHURCH PARK DRIVE 8.000 417.88 85
7.750 417.88 67,000.00
FORT WORTH TX 76133 1 09/30/99 10
0431634922 05 11/01/99 25
5219940 N 10/01/29
0
3019124 623/G02 F 113,000.00 ZZ
360 112,927.94 1
114 BURWOOD WAY 8.250 848.94 57
8.000 848.94 199,000.00
FOLSOM CA 95630 2 10/01/99 00
0431637891 05 12/01/99 0
6321029 O 11/01/29
0
3019125 623/G02 F 57,600.00 ZZ
360 57,566.86 1
4128 MAPLE AVENUE 8.750 453.14 90
8.500 453.14 64,000.00
CINCINNATI OH 45209 1 10/20/99 10
0431630144 05 12/01/99 25
1383519 N 11/01/29
0
3019126 623/G02 F 270,000.00 ZZ
360 269,877.34 1
3525 TACKETT ROAD 9.875 2,344.54 77
9.625 2,344.54 355,000.00
DOUGLASVILLE GA 30135 2 10/15/99 00
0431621903 05 12/01/99 0
1
1390063 O 11/01/29
0
3019127 623/G02 F 68,000.00 ZZ
360 67,962.86 1
3625 W MONTEBELLO DR 9.000 547.14 56
8.750 547.14 123,000.00
COLORADO SPRING CO 80918 1 10/18/99 00
0431637065 05 12/01/99 0
1513186 N 11/01/29
0
3019128 623/G02 F 200,000.00 ZZ
360 199,878.84 1
273 HAMPTON LANE 8.500 1,537.83 79
8.250 1,537.83 255,000.00
BALLGROUND GA 30107 2 10/18/99 00
0431630649 05 12/01/99 0
1387274 O 11/01/29
0
3019129 623/G02 F 60,900.00 ZZ
360 60,868.43 1
5410 SOUTH 350 EAST #82 9.250 501.01 68
9.000 501.01 90,000.00
WASHINGTON TERR UT 84405 1 10/18/99 00
0431628221 01 12/01/99 0
1513056 N 11/01/29
0
3019130 623/G02 F 156,500.00 ZZ
360 156,409.96 1
14070 DEERFIELD ROAD 8.750 1,231.19 66
8.500 1,231.19 238,586.00
MCCALL ID 83638 5 10/20/99 00
0431634534 05 12/01/99 0
1714764 O 11/01/29
0
3019131 623/G02 F 55,900.00 ZZ
360 55,867.00 1
3287 BALL GROUND HWY 8.625 434.78 65
8.375 434.78 86,000.00
CANTON GA 30114 5 10/13/99 00
0431630516 05 12/01/99 0
1390285 O 11/01/29
0
1
3019132 623/G02 F 85,000.00 ZZ
360 84,951.09 1
165 OLD FIELD LANE 8.750 668.70 57
8.500 668.70 150,000.00
MILFORD CT 06460 5 10/06/99 00
0431629567 05 12/01/99 0
1389138 O 11/01/29
0
3019133 623/G02 F 36,800.00 ZZ
360 36,778.82 1
1311 DELESSEPS AVENUE 8.750 289.51 79
8.500 289.51 47,000.00
SAVANNAH GA 31404 1 10/08/99 00
0431630714 05 12/01/99 0
1387150 N 11/01/29
0
3019134 623/G02 F 117,000.00 ZZ
360 116,921.50 1
104 BARBARA ROAD 8.000 858.50 42
7.750 858.50 283,000.00
WALTHAM MA 02453 2 10/15/99 00
0431630300 05 12/01/99 0
1353649 O 11/01/29
0
3019135 623/G02 F 115,900.00 ZZ
360 115,829.79 1
501 GREEN HAVEN ROAD 8.500 891.17 75
8.250 891.17 155,000.00
STONINGTON CT 06378 1 10/20/99 00
0431630029 05 12/01/99 0
1353566 O 11/01/29
0
3019136 623/G02 F 340,000.00 ZZ
360 339,828.30 2
4514 N LEAVITT 9.375 2,827.95 80
9.125 2,827.95 425,000.00
CHICAGO IL 60625 1 10/13/99 00
0431635382 05 12/01/99 0
1384271 O 11/01/29
0
3019137 623/G02 F 65,800.00 ZZ
360 65,767.64 1
15622 TIMBERLINE 9.500 553.28 53
9.250 553.28 125,000.00
1
TYLER TX 75703 2 10/22/99 00
0431635440 05 12/01/99 0
5220788 N 11/01/29
0
3019138 623/G02 F 144,000.00 ZZ
360 143,842.09 1
9025 TWIN TRAILS COURT 9.000 1,158.66 80
8.750 1,158.66 180,000.00
SAN DIEGO CA 92129 1 09/22/99 00
0431637214 05 11/01/99 0
6324778 N 10/01/29
0
3019139 623/G02 F 572,600.00 ZZ
360 572,244.10 1
2202 NORTH DAVIS DRIVE 8.375 4,352.17 70
8.125 4,352.17 818,000.00
ARLINGTON TX 76012 2 10/14/99 00
0431637842 05 12/01/99 0
5221290 O 11/01/29
0
3019140 623/G02 F 93,800.00 ZZ
360 93,746.03 1
27980 SOUTH WESTERN AVENUE 8.750 737.93 70
8.500 737.93 134,000.00
LOS ANGELES CA 90732 1 10/05/99 00
0431637016 01 12/01/99 0
6326075 N 11/01/29
0
3019141 623/G02 F 95,000.00 ZZ
360 94,945.34 1
7347 BALDWIN ROAD 8.750 747.37 46
8.500 747.37 208,000.00
SWARTZ CREEK MI 48473 5 10/18/99 00
0431630839 05 12/01/99 0
5219273 O 11/01/29
0
3019142 623/G02 F 162,550.00 ZZ
360 162,446.34 1
504 NORTH INDIANOLA AVENUE 8.250 1,221.19 78
8.000 1,221.19 209,000.00
SANGER CA 93657 1 10/07/99 00
0431630599 05 12/01/99 0
6278261 O 11/01/29
0
1
3019143 623/G02 F 64,800.00 ZZ
360 64,767.28 1
1346 VAN CLEAVE ROAD NW 9.375 538.97 72
9.125 538.97 90,000.00
ALBUQUERQUE NM 87107 5 10/11/99 00
0431634294 05 12/01/99 0
1473087 O 11/01/29
0
3019144 623/G02 F 251,250.00 ZZ
360 250,981.75 1
4116 ANTIQUE STERLING COURT 9.125 2,044.25 75
8.875 2,044.25 335,000.00
LAS VEGAS NV 89129 1 09/07/99 00
0431634047 03 11/01/99 0
1319946 O 10/01/29
0
3019145 623/G02 F 70,000.00 ZZ
360 69,953.03 4
300 89TH LANE NE 8.000 513.64 43
7.750 513.64 165,000.00
BLAINE MN 55434 5 10/08/99 00
0431627769 05 12/01/99 0
1367899 O 11/01/29
0
3019146 623/G02 F 53,600.00 ZZ
360 53,572.22 3
245 HOWARD AVENUE 9.250 440.95 78
9.000 440.95 69,000.00
NEW HAVEN CT 06519 1 10/22/99 00
0431628452 05 12/01/99 0
1383720 N 11/01/29
0
3019147 623/G02 F 48,150.00 ZZ
360 48,125.04 1
5315 MICHIGAN AVENUE 9.250 396.12 90
9.000 396.12 53,500.00
ST LOUIS MO 63111 1 10/12/99 10
0431636992 05 12/01/99 25
1371791 N 11/01/29
0
3019148 623/G02 F 140,100.00 ZZ
360 140,015.12 3
1
3108 LORI PLACE NE 8.500 1,077.25 94
8.250 1,077.25 150,000.00
ALBUQUERQUE NM 87111 1 10/15/99 01
0431628064 05 12/01/99 30
1513281 O 11/01/29
0
3019149 623/G02 F 116,000.00 ZZ
240 115,809.10 1
12767 BLUEBELL AVENUE NE 8.250 988.40 80
8.000 988.40 146,000.00
HARTVILLE OH 44632 2 10/08/99 00
0431629625 05 12/01/99 0
1382801 O 11/01/19
0
3019150 623/G02 F 119,600.00 ZZ
360 119,527.55 1
5636 SOUTHERN PINES COURT 8.500 919.62 90
8.250 919.62 132,900.00
STONE MOUNTAIN GA 30087 1 10/18/99 10
0431637131 05 12/01/99 25
1390302 N 11/01/29
0
3019151 623/G02 F 171,500.00 ZZ
360 171,396.10 1
4057 DAWN CT 8.500 1,318.69 77
8.250 1,318.69 225,000.00
BOULDER CO 80304 2 10/04/99 00
0431635200 05 12/01/99 0
1511830 O 11/01/29
0
3019152 623/G02 F 89,100.00 ZZ
360 89,057.32 3
37 NELSON STREET 9.625 757.34 90
9.375 757.34 99,000.00
NEW BEDFORD MA 02740 1 10/21/99 12
0431633825 05 12/01/99 25
1353538 N 11/01/29
0
3019153 623/G02 F 135,000.00 ZZ
360 134,928.16 3
10 ALVAN TERRACE 9.125 1,098.40 90
8.875 1,098.40 150,000.00
DORCHESTER MA 02122 1 10/22/99 11
0431630201 05 12/01/99 25
1
1383639 N 11/01/29
0
3019154 623/G02 F 44,000.00 ZZ
360 43,975.34 1
9407 N 2ND STREET 8.875 350.08 80
8.625 350.08 55,000.00
MACHESNEY PARK IL 61115 5 10/18/99 00
0431637826 05 12/01/99 0
1384029 N 11/01/29
0
3019155 623/G02 F 45,630.00 ZZ
360 45,586.11 2
2150 28TH ST NW 9.625 387.85 90
9.375 387.85 50,700.00
WINTER HAVEN FL 33881 1 09/28/99 11
0431633890 05 11/01/99 25
1388766 N 10/01/29
0
3019156 623/G02 F 113,743.00 ZZ
360 113,666.68 1
1208 REDTAIL COURT 8.000 834.61 95
7.750 834.61 119,730.00
CALDWELL ID 83607 1 10/21/99 04
0431636844 03 12/01/99 30
1714741 O 11/01/29
0
3019157 623/G02 F 94,500.00 ZZ
360 94,453.52 2
1202 FRIES AVENUE AND 9.500 794.61 70
215 WEST "L" STREET 9.250 794.61 135,000.00
LOS ANGELES CA 90744 1 10/06/99 00
0431637834 05 12/01/99 0
6219384 N 11/01/29
0
3019158 623/G02 F 264,000.00 ZZ
360 263,848.11 1
1804 PARLIAMENT ROAD 8.750 2,076.89 39
8.500 2,076.89 680,000.00
ENCINITAS CA 92024 1 10/12/99 00
0431635465 03 12/01/99 0
6324948 N 11/01/29
0
1
3019159 623/G02 F 63,000.00 ZZ
360 62,969.82 3
306-308 MAPLE AVENUE 9.625 535.49 86
9.375 535.49 74,000.00
HARTFORD CT 06114 1 10/18/99 11
0431634450 05 12/01/99 25
1353614 N 11/01/29
0
3019160 623/G02 F 85,000.00 ZZ
360 84,951.09 1
7466 SOUTHWEST SURFLAND STREET 8.750 668.70 31
8.500 668.70 275,000.00
SOUTH BEACH OR 97366 5 10/05/99 00
0431637032 05 12/01/99 0
6398921 O 11/01/29
0
3019161 623/G02 F 64,800.00 ZZ
360 64,761.74 1
2304 DICKSON CIR. W. 8.625 504.01 80
8.375 504.01 81,000.00
IDAHO FALLS ID 83402 5 10/21/99 00
0431635986 05 12/01/99 0
1713265 N 11/01/29
0
3019162 623/G02 F 85,600.00 ZZ
360 85,549.46 2
56-58 LILLEY AVENUE 8.625 665.79 80
8.375 665.79 107,000.00
LOWELL MA 01852 5 10/21/99 00
0431633718 05 12/01/99 0
1389472 N 11/01/29
0
3019163 623/G02 F 48,000.00 ZZ
360 47,971.66 1
428 DAVIDSON DR. 8.625 373.34 77
8.375 373.34 63,000.00
IDAHO FALLS ID 83401 5 10/21/99 00
0431631522 05 12/01/99 0
1713266 N 11/01/29
0
3019164 623/G02 F 48,000.00 ZZ
360 47,971.66 1
4085 E GREENWILLOW LANE 8.625 373.34 80
8.375 373.34 60,000.00
1
IDAHO FALLS ID 83401 5 10/21/99 00
0431629997 05 12/01/99 0
1713267 N 11/01/29
0
3019165 623/G02 F 216,000.00 T
360 215,869.14 1
566 APACHE DRIVE 8.500 1,660.86 80
8.250 1,660.86 270,000.00
HAPPY JACK AZ 86024 2 10/07/99 00
0431634013 03 12/01/99 0
6377227 O 11/01/29
0
3019166 623/G02 F 202,400.00 ZZ
360 202,303.04 1
5797 BROOKSTONE VIEW 9.625 1,720.38 80
9.375 1,720.38 253,000.00
ACWORTH GA 30101 5 10/21/99 00
0431628288 03 12/01/99 0
1390818 N 11/01/29
0
3019167 623/G02 F 307,500.00 ZZ
360 307,303.91 1
2674 PINE RIDGE ROAD 8.250 2,310.15 75
8.000 2,310.15 410,000.00
BRADLEY CA 93426 5 10/07/99 00
0431630276 03 12/01/99 0
6321509 O 11/01/29
0
3019168 623/G02 F 70,300.00 ZZ
360 70,210.03 1
11357 LOMA LINDA CIRCLE 8.250 528.14 80
8.000 528.14 87,900.00
EL PASO TX 79934 1 09/30/99 00
0431636893 05 11/01/99 0
5220690 O 10/01/29
0
3019170 623/G02 F 191,200.00 ZZ
360 190,876.06 1
3216 RUSSELL ROAD 9.375 1,590.31 80
9.125 1,590.31 239,000.00
OSTRANDER OH 43061 4 08/16/99 00
0431633601 05 10/01/99 0
1369771 O 09/01/29
0
1
3019171 623/G02 F 68,000.00 ZZ
360 67,917.32 1
5967 5TH AVENUE SOUTH 8.500 522.86 80
8.250 522.86 85,000.00
ST PETERSBURG FL 33707 1 09/30/99 00
0431635515 05 11/01/99 0
1386576 O 10/01/29
0
3019172 623/G02 F 102,000.00 ZZ
360 101,702.29 1
24324 EMERALD TRAIL 8.750 802.43 42
8.500 802.43 245,000.00
DEER TRAIL CO 80105 4 06/18/99 00
0431634583 05 08/01/99 0
1462961 O 07/01/29
0
3019173 623/G02 F 176,000.00 ZZ
360 175,801.93 4
1105 E. AMITY AVENUE 8.875 1,400.34 80
8.625 1,400.34 220,000.00
NAMPA ID 83686 5 09/27/99 00
0431621994 05 11/01/99 0
1714437 O 10/01/29
0
3019174 623/G02 F 157,500.00 ZZ
360 157,293.26 4
1500 BLUEBIRD, UNITS 1-4 8.125 1,169.43 90
7.875 1,169.43 175,000.00
MCALLEN TX 78501 1 09/30/99 11
0431637198 05 11/01/99 25
5220807 O 10/01/29
0
3019175 623/G02 F 94,250.00 ZZ
360 94,141.14 1
15335 KIVETT LANE 8.750 741.47 65
8.500 741.47 145,000.00
RENO NV 89511 2 09/24/99 00
0431629815 05 11/01/99 0
6200795 N 10/01/29
0
3019176 623/G02 F 222,000.00 ZZ
360 221,875.54 1
1
3210 SNOWBERRY COURT 8.875 1,766.33 75
8.625 1,766.33 297,000.00
WILIMINGTON NC 28409 1 10/15/99 00
0431638014 05 12/01/99 0
1385248 O 11/01/29
0
3019177 623/G02 F 132,000.00 ZZ
360 131,847.57 1
12926 STATE ROUTE 41 8.750 1,038.44 80
8.500 1,038.44 165,000.00
GREENFIELD OH 45123 5 09/13/99 00
0431636059 05 11/01/99 0
1370003 O 10/01/29
0
3019178 623/G02 F 126,400.00 ZZ
360 126,234.06 1
4117 EAST HIDE TRAIL 8.125 938.52 80
7.875 938.52 158,000.00
PHOENIX AZ 85050 1 09/24/99 00
0431635069 09 11/01/99 0
6374624 O 10/01/29
0
3019179 623/G02 F 228,000.00 ZZ
360 222,626.60 1
6700 WEST INA ROAD 9.000 1,834.54 80
8.750 1,834.54 285,000.00
TUCSON AZ 85743 4 09/27/99 00
0431637156 05 11/01/99 0
6382703 O 10/01/29
0
3019180 623/G02 F 75,600.00 ZZ
360 75,521.32 2
90 ANTIOCH ROAD 2A & 2B 9.250 621.94 90
9.000 621.94 84,000.00
DALLAS GA 30132 1 10/01/99 10
0431636943 05 11/01/99 30
1381991 N 10/01/29
0
3019182 623/G02 F 113,600.00 ZZ
360 113,465.38 1
6 CRAWFORD ROAD 8.625 883.57 80
8.375 883.57 142,000.00
CONCORD NH 03303 2 09/02/99 00
0431635309 05 11/01/99 0
1
1370268 O 10/01/29
0
3019183 623/G02 F 154,700.00 ZZ
360 154,619.86 1
1096 WEST 4050 SOUTH 9.250 1,272.68 85
9.000 1,272.68 182,000.00
RIVERDALE UT 84405 2 10/14/99 11
0431633767 05 12/01/99 25
1472865 N 11/01/29
0
3019184 623/G02 F 62,100.00 ZZ
360 62,035.37 3
2108 WEST 19TH 9.250 510.88 90
9.000 510.88 69,000.00
PUEBLO CO 81003 1 09/30/99 04
0431637867 05 11/01/99 25
1512835 N 10/01/29
0
3019186 623/G02 F 123,000.00 ZZ
360 122,217.81 2
815-817 WEST 41ST STREET 7.875 891.84 75
7.625 891.84 164,000.00
LOS ANGELES CA 90037 5 02/03/99 00
0431634237 05 04/01/99 0
6287236 O 03/01/29
0
3019187 623/G02 F 72,000.00 ZZ
360 71,620.09 1
539 EAST STATE STREET 8.500 553.62 80
8.250 553.62 90,000.00
TRENTON OH 45067 5 07/06/99 00
0431629856 05 09/01/99 0
1351372 N 08/01/29
0
3019188 623/G02 F 143,000.00 ZZ
360 142,821.62 1
207 MIRA MONTE ROAD 8.375 1,086.90 72
8.125 1,086.90 200,000.00
GRAND JUNCTION CO 81503 2 09/29/99 00
0431637883 05 11/01/99 0
1512637 O 10/01/29
0
1
3019189 623/G02 F 91,500.00 ZZ
360 91,388.73 1
3740 CHRISTOPHER CIRCLE 8.500 703.56 75
8.250 703.56 122,000.00
RENO NV 89503 5 09/24/99 00
0431629724 09 11/01/99 0
6300801 O 10/01/29
0
3019190 623/G02 F 253,200.00 ZZ
360 252,248.63 1
4503E FORD AVENUE 7.500 1,770.41 72
7.250 1,770.41 356,000.00
GILBERT AZ 85234 2 06/08/99 00
0431634666 03 08/01/99 0
6272205 O 07/01/29
0
3019192 623/G02 F 90,000.00 ZZ
360 89,908.76 2
2564-2566 PAWTUCKET AVE 9.375 748.57 75
9.125 748.57 120,000.00
EAST PROVIDENCE RI 02914 5 09/30/99 00
0431637859 05 11/01/99 0
1353570 N 10/01/29
0
3019193 623/G02 F 74,900.00 ZZ
360 74,817.87 1
223-225 NURSERY LANE 9.000 602.66 75
8.750 602.66 99,900.00
COLUMBUS OH 43206 5 09/07/99 00
0431637909 05 11/01/99 0
1370255 N 10/01/29
0
3019204 623/G02 F 288,000.00 ZZ
360 287,820.99 1
16021 PINE TERRACE DRIVE 8.375 2,189.01 80
8.125 2,189.01 360,000.00
BALLWIN MO 63021 5 10/20/99 00
0431630367 03 12/01/99 0
1389033 O 11/01/29
0
3019207 623/G02 F 304,000.00 ZZ
360 303,796.03 1
418 NORTH WILKIE STREET 8.000 2,230.64 80
7.750 2,230.64 380,000.00
1
KAYSVILLE UT 84037 5 10/20/99 00
0431630474 05 12/01/99 0
1472978 O 11/01/29
0
3019208 623/G02 F 320,000.00 ZZ
360 319,785.28 1
1620 SWALLOWTAIL ROAD 8.000 2,348.05 80
7.750 2,348.05 400,000.00
ENCINITAS CA 92024 5 10/12/99 00
0431630441 03 12/01/99 0
6209282 O 11/01/29
0
3019214 623/G02 F 99,000.00 ZZ
360 98,703.52 1
1720 SW 20 STREET 8.625 770.01 90
8.375 770.01 110,000.00
FORT LAUDERDALE FL 33315 2 06/07/99 10
0431633304 05 08/01/99 30
1358207 N 07/01/29
0
3019215 623/G02 F 163,200.00 ZZ
360 162,314.56 1
26909 SCHADY DRIVE 7.375 1,127.18 80
7.125 1,127.18 204,000.00
OLMSTED FALLS OH 44138 2 04/22/99 00
0431633296 05 06/01/99 0
1343590 O 05/01/29
0
3019741 K08/G02 F 143,200.00 ZZ
360 143,200.00 1
0058 COUNTY ROAD 333 9.125 1,165.12 80
8.875 1,165.12 179,000.00
SILT CO 81652 1 11/10/99 00
0411563521 05 01/01/00 0
0411563521 O 12/01/29
0
3019742 K08/G02 F 91,600.00 ZZ
360 91,600.00 4
3926 EVERETT COURT 9.125 745.29 74
8.875 745.29 125,000.00
LAKE WORTH FL 33461 2 11/05/99 00
0411601065 05 01/01/00 0
0411601065 O 12/01/29
0
1
3019744 K08/G02 F 24,300.00 ZZ
360 24,300.00 1
13702 LOWE AVENUE 10.000 213.25 90
9.750 213.25 27,000.00
RIVERDALE IL 60827 1 11/10/99 04
0411611668 07 01/01/00 25
0411611668 N 12/01/29
0
3019746 K08/G02 F 39,200.00 ZZ
360 39,200.00 1
3502 BOXDALE 10.000 344.01 80
UNIT #7 9.750 344.01 49,000.00
MEMPHIS TN 38118 1 11/10/99 00
0411646284 01 01/01/00 0
0411646284 N 12/01/29
0
3019747 K08/G02 F 39,200.00 ZZ
360 39,200.00 1
3502 BOXDALE, UNIT # #5 10.000 344.01 80
9.750 344.01 49,000.00
MEMPHIS TN 38118 1 11/10/99 00
0411647860 01 01/01/00 0
0411647860 N 12/01/29
0
3019748 K08/G02 F 102,600.00 ZZ
360 102,540.98 1
8258 NIGHTINGALE 8.750 807.15 90
8.500 807.15 114,000.00
DEARBORN HEIGHT MI 48121 1 10/15/99 04
0411653454 05 12/01/99 25
0411653454 N 11/01/29
0
3019750 K08/G02 F 77,400.00 ZZ
360 77,400.00 1
715 SOUTH BRADFORD AVENUE 9.000 622.78 90
8.750 622.78 86,000.00
WEST CHESTER PA 19380 1 11/10/99 04
0411655426 05 01/01/00 25
0411655426 N 12/01/29
0
3019759 K08/G02 F 416,000.00 ZZ
360 416,000.00 1
1
3350 CARLYLE TERRACE 8.625 3,235.61 80
8.375 3,235.61 520,000.00
LAFAYETTE CA 94549 5 11/03/99 00
0411682263 05 01/01/00 0
0411682263 O 12/01/29
0
3019760 K08/G02 F 75,000.00 ZZ
360 75,000.00 1
127 LARRY DRIVE 8.500 576.69 77
8.250 576.69 97,700.00
HEATH TX 75032 1 11/10/99 00
0411682974 05 01/01/00 0
0411682974 O 12/01/29
0
3019761 K08/G02 F 106,000.00 ZZ
360 106,000.00 1
306 CLARKSON AVENUE 8.875 843.38 74
8.625 843.38 145,000.00
RIFLE CO 81650 1 11/10/99 00
0411684749 05 01/01/00 0
0411684749 O 12/01/29
0
3019763 K08/G02 F 106,200.00 ZZ
360 106,200.00 1
1104 JAMES K BLVD. 9.250 873.68 90
9.000 873.68 118,000.00
PONTIAC MI 48341 1 11/10/99 04
0411686728 05 01/01/00 25
0411686728 N 12/01/29
0
3019764 K08/G02 F 165,000.00 ZZ
360 165,000.00 1
3802 SOUTH HORSESHOE LAKE ROAD 8.500 1,268.71 70
8.250 1,268.71 236,000.00
BIG LAKE AK 99652 5 11/01/99 00
0411687965 05 01/01/00 0
0411687965 O 12/01/29
0
3019766 K08/G02 F 148,500.00 ZZ
360 148,500.00 4
4308 GEORGIA AVENUE 9.125 1,208.24 90
8.875 1,208.24 165,000.00
KENNER LA 70065 1 11/10/99 04
0411693112 05 01/01/00 25
1
0411693112 N 12/01/29
0
3019767 K08/G02 F 58,800.00 ZZ
360 58,800.00 1
3209 LARRY LANE 8.750 462.58 71
8.500 462.58 83,000.00
AUSTIN TX 78722 5 11/05/99 00
0411694003 05 01/01/00 0
0411694003 O 12/01/29
0
3020003 E82/G02 F 150,000.00 ZZ
360 150,000.00 1
306 BUNKER HILL STREET 9.125 1,220.45 46
8.875 1,220.45 328,500.00
CHARLESTOWN MA 02110 5 11/12/99 00
0400242426 01 01/01/00 0
0400242426 N 12/01/29
0
3020585 975/G02 F 110,600.00 ZZ
360 110,600.00 4
11035 KLINGERMAN STREET 8.500 850.42 70
8.250 850.42 158,000.00
EL MONTE CA 91733 2 11/09/99 00
0431631530 05 01/01/00 0
992817 N 12/01/29
0
3020852 637/G02 F 110,250.00 ZZ
360 110,192.84 1
10004 ASHLEY FARM DRIVE 9.250 907.00 90
9.000 907.00 122,500.00
MATTHEWS NC 28105 1 10/20/99 01
0431621937 05 12/01/99 25
0013114699 N 11/01/29
0
3020870 638/G02 F 110,400.00 ZZ
360 110,338.11 4
248 CAJON STREET 8.875 878.39 60
8.625 878.39 184,000.00
REDLANDS CA 92373 1 10/22/99 00
0431635481 05 12/01/99 0
08937440 N 11/01/29
0
1
3020949 638/G02 F 153,000.00 ZZ
360 152,918.58 3
97-99 BLAISDELL STREET 9.125 1,244.86 90
8.875 1,244.86 170,000.00
HAVERHILL MA 01832 1 10/29/99 10
0431624709 05 12/01/99 25
08933167 O 11/01/29
0
3020973 637/G02 F 36,900.00 ZZ
360 36,879.84 1
56 HIGH STREET 9.000 296.91 90
8.750 296.91 41,000.00
LINCOLN ME 04457 1 10/28/99 11
0431624980 05 12/01/99 25
0017055971 N 11/01/29
0
3021198 637/G02 F 171,000.00 ZZ
360 170,896.40 1
8620 OAKDALE AVE 8.500 1,314.85 72
8.250 1,314.85 240,000.00
LOS ANGELES CA 91306 2 10/25/99 00
0431622885 05 12/01/99 0
0017560913 O 11/01/29
0
3021214 624/G02 F 78,400.00 ZZ
360 78,361.44 2
112 A SURREY LANE 9.500 659.23 80
9.250 659.23 98,000.00
GATESVILLE TX 76528 1 11/04/99 00
0431634492 05 12/01/99 0
82300290426 N 11/01/29
0
3021276 A35/G02 F 200,000.00 ZZ
360 199,890.76 1
7 WILLIS COURT 9.000 1,609.24 70
8.750 1,609.24 288,000.00
EAST BRUNSWICK NJ 08816 5 10/15/99 00
0431633262 05 12/01/99 0
LPPFW4740 O 11/01/29
0
3023004 696/G02 F 165,150.00 ZZ
360 165,150.00 1
8864 PAPILLON DRIVE 8.375 1,255.26 80
8.125 1,255.26 206,455.00
1
ELLICOTT CITY MD 21043 1 11/12/99 00
0431624337 07 01/01/00 0
30199200 O 12/01/29
0
3023680 637/G02 F 155,000.00 ZZ
360 154,910.82 3
326 BREMEN STREET 8.750 1,219.39 65
8.500 1,219.39 240,000.00
EAST BOSTON MA 02128 5 10/20/99 00
0431626811 05 12/01/99 0
0018787960 N 11/01/29
0
3023803 889/G02 F 55,500.00 ZZ
360 55,500.00 1
3433 WEST STELLA LANE 8.500 426.75 75
8.250 426.75 74,000.00
PHOENIX AZ 85017 1 11/05/99 00
0431636232 05 01/01/00 0
5289A022 N 12/01/29
0
3024063 253/253 F 95,850.00 ZZ
360 95,794.85 1
1330 CHALLENGER AVE 8.750 754.06 90
8.500 754.06 106,500.00
ALAMOGORDO NM 88310 2 10/29/99 14
944892 03 12/01/99 30
944892 N 11/01/29
0
3024075 253/253 F 44,450.00 ZZ
360 44,425.07 1
3305 SWAN STREET 8.875 353.67 84
8.625 353.67 53,000.00
HALTOM CITY TX 76117 2 10/27/99 14
946381 05 12/01/99 20
946381 N 11/01/29
0
3024167 E82/G02 F 223,200.00 ZZ
360 223,200.00 1
1191 MAIN ROAD 8.500 1,716.21 80
8.250 1,716.21 279,000.00
WESTPORT MA 02790 1 11/16/99 00
0431630391 05 01/01/00 0
0400221354 O 12/01/29
0
1
3024168 E82/G02 F 112,500.00 ZZ
360 112,500.00 1
104 LAKEVIEW AVENUE 9.250 925.51 75
9.000 925.51 150,000.00
PATERSON NJ 07503 1 11/15/99 00
0400237632 05 01/01/00 0
0400237632 O 12/01/29
0
3024169 E82/G02 F 140,000.00 ZZ
360 140,000.00 1
2 MORGAN LANE 8.875 1,113.90 95
8.625 1,113.90 147,500.00
FARMINGDALE NY 11735 1 11/15/99 04
0400239364 05 01/01/00 30
0400239364 O 12/01/29
0
3024170 E82/G02 F 299,000.00 ZZ
360 299,000.00 1
1450 OLD PECOS TRAIL 8.750 2,352.23 88
8.500 2,352.23 340,000.00
SANTA FE NM 87501 1 11/15/99 04
0400242111 05 01/01/00 25
0400242111 N 12/01/29
0
3024727 A35/A35 F 360,000.00 ZZ
360 359,803.36 4
606 HENRY STREET 9.000 2,896.64 65
8.750 2,896.64 554,000.00
BROOKLYN NY 11218 5 10/20/99 00
LP9719 07 12/01/99 0
LP9719 O 11/01/29
0
3024871 637/G02 F 72,000.00 ZZ
360 71,964.58 1
40 OAK RIDGE ROAD 9.500 605.42 90
9.250 605.42 80,000.00
MADISON NH 03849 1 10/26/99 14
0431626936 05 12/01/99 25
0018790238 N 11/01/29
0
3024969 637/G02 F 32,400.00 ZZ
360 32,383.64 1
1
1223 WEST 11TH STREET 9.375 269.49 90
9.125 269.49 36,000.00
NORTH LITTLE RO AR 72114 1 10/28/99 11
0431629245 05 12/01/99 25
0018996777 N 11/01/29
0
3025692 K08/G02 F 69,600.00 ZZ
360 69,600.00 1
401 SOUTH KALISPELL WAY, # 206 8.750 547.54 80
8.500 547.54 87,000.00
AURORA CO 80017 1 11/12/99 00
0411488000 01 01/01/00 0
0411488000 O 12/01/29
0
3025695 K08/G02 F 199,350.00 ZZ
360 199,350.00 1
8308 THORNBROOK COURT 8.125 1,480.17 80
7.875 1,480.17 249,200.00
NORTH RICHLAND TX 76180 1 11/12/99 00
0411618804 03 01/01/00 0
0411618804 O 12/01/29
0
3025696 K08/G02 F 328,500.00 ZZ
360 328,500.00 1
340 FAVER DRIVE 8.750 2,584.31 90
8.500 2,584.31 365,000.00
CASTLE ROCK CO 80104 1 11/12/99 01
0411629124 05 01/01/00 25
0411629124 O 12/01/29
0
3025698 K08/G02 F 120,000.00 ZZ
360 120,000.00 1
2719 EAST BIG BEAVER RD 8.750 944.04 80
8.500 944.04 150,000.00
TROY MI 48083 1 11/12/99 00
0411632896 05 01/01/00 0
0411632896 O 12/01/29
0
3025699 K08/G02 F 54,000.00 ZZ
360 54,000.00 1
407 PEBBLE BEACH 7.875 391.54 90
7.625 391.54 60,000.00
UNIVERSITY PARK IL 60466 1 11/12/99 10
0411634694 03 01/01/00 25
1
0411634694 N 12/01/29
0
3025700 K08/G02 F 85,050.00 ZZ
360 85,050.00 1
8053 ROBINDALE AVENUE 9.375 707.40 90
9.125 707.40 94,500.00
DEARBORN HEIGHT MI 48127 1 11/12/99 04
0411642002 05 01/01/00 25
0411642002 N 12/01/29
0
3025701 K08/G02 F 182,000.00 ZZ
360 182,000.00 1
3243 RIVER BEND DRIVE 8.750 1,431.79 80
8.500 1,431.79 227,500.00
HURST TX 76054 1 11/12/99 00
0411652704 05 01/01/00 0
0411652704 N 12/01/29
0
3025704 K08/G02 F 26,550.00 ZZ
360 26,550.00 1
407 S SHERIDAN ST 9.750 228.11 90
9.500 228.11 29,500.00
BAY CITY MI 48708 1 11/12/99 04
0411659477 05 01/01/00 25
0411659477 N 12/01/29
0
3025705 K08/G02 F 74,700.00 ZZ
360 74,700.00 2
1640 45TH AVENUE 9.000 601.05 90
8.750 601.05 83,000.00
OAKLAND CA 94601 1 11/04/99 04
0411665581 05 01/01/00 25
0411665581 N 12/01/29
0
3025706 K08/G02 F 72,000.00 ZZ
360 72,000.00 1
2426 HOPEWELL ROAD 8.250 540.91 80
8.000 540.91 90,000.00
WATERFORD TOWNS NJ 08009 1 11/12/99 00
0411665706 05 01/01/00 0
0411665706 O 12/01/29
0
1
3025709 K08/G02 F 126,000.00 ZZ
360 126,000.00 3
4316 UMATILLA STREET 9.250 1,036.57 90
9.000 1,036.57 140,000.00
DENVER CO 80211 1 11/12/99 10
0411673031 05 01/01/00 25
0411673031 N 12/01/29
0
3025710 K08/G02 F 105,000.00 ZZ
360 105,000.00 1
598 LAUREL AVENUE 8.875 835.43 75
8.625 835.43 140,000.00
HAZLET NJ 07730 1 11/12/99 00
0411674708 05 01/01/00 0
0411674708 O 12/01/29
0
3025712 K08/G02 F 253,300.00 ZZ
360 253,300.00 1
52300 SAWMILL CREEK DR 8.750 1,992.71 90
8.500 1,992.71 282,000.00
MACOMB TWSHP MI 48042 1 11/12/99 04
0411683766 05 01/01/00 25
0411683766 O 12/01/29
0
3025713 K08/G02 F 135,000.00 ZZ
360 135,000.00 1
6237 SOUTH LAFAYETTE PLACE 8.500 1,038.03 74
8.250 1,038.03 183,000.00
LITTLETON CO 80121 1 11/12/99 00
0411684772 05 01/01/00 0
0411684772 O 12/01/29
0
3025714 K08/G02 F 50,600.00 ZZ
360 50,600.00 2
4315-4317 LAWRENCE AVENUE 8.625 393.56 78
8.375 393.56 65,000.00
MEMPHIS TN 38122 2 11/11/99 00
0411685308 05 01/01/00 0
0411685308 N 12/01/29
0
3025715 K08/G02 F 51,050.00 ZZ
360 51,050.00 2
4321-4323 LAWRENCE AVENUE 8.625 397.06 79
8.375 397.06 65,000.00
1
MEMPHIS TN 38122 2 11/11/99 00
0411685605 05 01/01/00 0
0411685605 N 12/01/29
0
3025716 K08/G02 F 50,700.00 ZZ
360 50,700.00 2
4316-4318 LAWRENCE AVENUE 8.625 394.34 78
8.375 394.34 65,000.00
MEMPHIS TN 38115 2 11/11/99 00
0411685787 05 01/01/00 0
0411685787 N 12/01/29
0
3025717 K08/G02 F 51,050.00 ZZ
360 51,050.00 2
4322-4324 LAWRENCE AVENUE 8.625 397.06 79
8.375 397.06 65,000.00
MEMPHIS TN 38115 2 11/11/99 00
0411685845 05 01/01/00 0
0411685845 N 12/01/29
0
3025719 K08/G02 F 118,400.00 ZZ
360 118,400.00 1
6113 MARTEL AVENUE 8.625 920.90 80
8.375 920.90 148,000.00
DALLAS TX 75214 1 11/11/99 00
0411693732 05 01/01/00 0
0411693732 O 12/01/29
0
3025721 K08/G02 F 118,400.00 ZZ
360 118,400.00 1
5605 WESTVIEW ROAD 8.875 942.04 90
8.625 942.04 131,580.00
AUSTIN TX 78749 1 11/09/99 04
0411695471 05 01/01/00 25
0411695471 N 12/01/29
0
3025726 K08/G02 F 261,600.00 ZZ
360 261,600.00 1
11485 HYNE DR 8.250 1,965.31 80
8.000 1,965.31 327,000.00
BRIGHTON MI 48116 1 11/12/99 00
0411709157 05 01/01/00 0
0411709157 O 12/01/29
0
1
3026467 637/G02 F 92,250.00 ZZ
360 92,199.61 2
379 HIGH STREET 9.000 742.27 90
8.750 742.27 102,500.00
BELFAST ME 04915 1 10/29/99 11
0431635671 05 12/01/99 17
0017773367 N 11/01/29
0
3026853 F42/G02 F 292,500.00 ZZ
360 292,322.79 3
26-16 9TH STREET 8.500 2,249.08 90
8.250 2,249.08 325,000.00
ASTORIA NY 11102 1 10/27/99 12
0431637776 05 12/01/99 25
NJ01995 O 11/01/29
0
3026872 F42/G02 F 71,500.00 ZZ
360 71,456.69 2
118-120 SHILOH AVENUE 8.500 549.77 65
8.250 549.77 110,000.00
LADY LAKE FL 32159 5 10/28/99 00
0431637735 05 12/01/99 0
99AH0400 N 11/01/29
0
3026904 F42/G02 F 144,000.00 ZZ
360 144,000.00 1
236 FREDERICK AVENUE 9.125 1,171.64 80
8.875 1,171.64 180,000.00
ROOSEVELT NY 11575 1 11/02/99 00
0431637784 05 01/01/00 0
NJ02223 O 12/01/29
0
3026955 F42/G02 F 180,000.00 ZZ
360 179,888.11 1
34-09 FIFTH STREET 8.375 1,368.14 66
8.125 1,368.14 275,000.00
OCEANSIDE NY 11572 1 10/27/99 00
0431642602 05 12/01/99 0
RS02543 O 11/01/29
0
3027514 F42/G02 F 499,000.00 ZZ
360 498,741.30 1
1
1307A HARBOR ROAD 9.250 4,105.16 74
9.000 4,105.16 675,000.00
HEWLETT HARBOR NY 11557 1 11/01/99 00
0431642958 05 12/01/99 0
RS02728 O 11/01/29
0
3027611 F42/G02 F 260,000.00 ZZ
360 259,854.24 1
17171 SEAGRAPE LANE 8.875 2,068.68 80
8.625 2,068.68 325,000.00
SUGARLOAF KEY FL 33042 1 10/28/99 00
0431641695 05 12/01/99 0
99OZ0321 O 11/01/29
0
3028322 K08/G02 F 312,450.00 ZZ
360 312,450.00 1
881 COSENS LANE 8.000 2,292.65 79
7.750 2,292.65 399,000.00
PLACERVILLE CA 95667 2 11/09/99 00
0411622053 05 01/01/00 0
0411622053 O 12/01/29
0
3028323 K08/G02 F 16,650.00 ZZ
360 16,650.00 2
1815-17 WEST CLARKE STREET 9.625 141.52 90
9.375 141.52 18,500.00
MILWAUKEE WI 53206 1 11/15/99 01
0411633266 05 01/01/00 25
0411633266 N 12/01/29
0
3028327 K08/G02 F 216,800.00 ZZ
360 216,800.00 1
6030 NW 61 MANOR 8.500 1,667.00 80
8.250 1,667.00 271,000.00
PARKLAND FL 33067 1 11/15/99 00
0411644859 03 01/01/00 0
0411644859 O 12/01/29
0
3028328 K08/G02 F 427,500.00 ZZ
360 427,500.00 1
4700 LAHSER RD 8.875 3,401.38 75
8.625 3,401.38 570,000.00
BLOOMFIELD TWP MI 48301 1 11/15/99 00
0411652639 05 01/01/00 0
1
0411652639 O 12/01/29
0
3028332 K08/G02 F 139,500.00 ZZ
360 139,429.55 4
1822 EMMA LEE LANE 9.375 1,160.29 90
9.125 1,160.29 155,000.00
HANFORD CA 93230 1 10/26/99 04
0411660962 05 12/01/99 25
0411660962 N 11/01/29
0
3028333 K08/G02 F 133,200.00 ZZ
360 133,200.00 1
11010 EAST 28TH AVENUE 8.750 1,047.88 90
8.500 1,047.88 148,000.00
SPOKANE WA 99206 5 11/03/99 04
0411662372 05 01/01/00 25
0411662372 O 12/01/29
0
3028336 K08/G02 F 239,150.00 ZZ
360 239,150.00 1
2502 RESNICK DRIVE 9.125 1,945.80 90
8.875 1,945.80 265,755.00
ROUND ROCK TX 78681 1 11/12/99 04
0411666258 03 01/01/00 25
0411666258 O 12/01/29
0
3028340 K08/G02 F 192,000.00 ZZ
360 192,000.00 1
RR2 BOX 649 OLD FORGE ROAD 8.875 1,527.64 80
8.625 1,527.64 240,000.00
DOVER NY 12594 5 11/08/99 00
0411671852 05 01/01/00 0
0411671852 O 12/01/29
0
3028345 K08/G02 F 219,330.00 ZZ
360 219,330.00 1
1320 GRAND AVENUE 9.125 1,784.54 75
8.875 1,784.54 292,443.00
PIEDMONT CA 94610 2 11/05/99 00
0411677420 05 01/01/00 0
0411677420 N 12/01/29
0
1
3028346 K08/G02 F 213,312.00 ZZ
360 213,312.00 1
1324 GRAND AVENUE 9.125 1,735.58 75
8.875 1,735.58 284,416.00
PIEDMONT CA 94610 2 11/05/99 00
0411677511 05 01/01/00 0
0411677511 N 12/01/29
0
3028347 K08/G02 F 46,200.00 ZZ
360 46,200.00 1
215 W MARKET ST 9.375 384.27 90
9.125 384.27 51,360.00
FARMER CITY IL 61842 1 11/15/99 10
0411678451 05 01/01/00 25
0411678451 N 12/01/29
0
3028349 K08/G02 F 331,500.00 ZZ
360 331,500.00 1
5303 GLIDE SLOPE COURT 8.500 2,548.95 74
8.250 2,548.95 449,000.00
GRANBURY TX 76049 4 11/15/99 00
0411680416 03 01/01/00 0
0411680416 O 12/01/29
0
3028353 K08/G02 F 144,000.00 ZZ
360 144,000.00 1
1101 S RIVERSIDE DRIVE 8.250 1,081.82 80
UNIT # 103 8.000 1,081.82 180,000.00
POMPANO BEACH FL 33062 1 11/15/99 00
0411684939 01 01/01/00 0
0411684939 O 12/01/29
0
3028354 K08/G02 F 55,250.00 ZZ
360 55,250.00 1
1310 PRESTON STREET SOUTH 8.875 439.59 85
8.625 439.59 65,000.00
ST PETERSBURG FL 33712 1 11/15/99 01
0411688773 05 01/01/00 20
0411688773 N 12/01/29
0
3028361 K08/G02 F 94,400.00 ZZ
360 94,400.00 1
2931 N NEW ENGLAND 8.625 734.23 80
8.375 734.23 118,000.00
1
CHICAGO IL 60635 1 11/15/99 00
0411698681 05 01/01/00 0
0411698681 N 12/01/29
0
3028362 K08/G02 F 178,300.00 ZZ
360 178,300.00 1
514 ARBOR COURT 8.625 1,386.80 80
8.375 1,386.80 223,446.00
PEARLAND TX 77584 1 11/15/99 00
0411701790 03 01/01/00 0
0411701790 O 12/01/29
0
3028364 K08/G02 F 84,600.00 ZZ
360 84,600.00 2
1721 GREENVIEW PL 9.000 680.71 90
8.750 680.71 94,000.00
CINCINNATI OH 45237 1 11/15/99 04
0411706013 05 01/01/00 25
0411706013 N 12/01/29
0
3028365 K08/G02 F 123,700.00 ZZ
360 123,700.00 1
1415 GRAND VIEW WAY 8.250 929.32 80
8.000 929.32 154,657.00
MUSTANG OK 73064 1 11/15/99 00
0411706302 03 01/01/00 0
0411706302 O 12/01/29
0
3028366 K08/G02 F 98,100.00 ZZ
360 98,100.00 1
11611 TUSCANY WAY 9.000 789.33 90
8.750 789.33 109,000.00
DALLAS TX 75218 1 11/15/99 01
0411706492 05 01/01/00 25
0411706492 N 12/01/29
0
3028879 957/G02 F 207,900.00 ZZ
360 207,900.00 1
112 PEMBROKE LANE 8.500 1,598.58 80
8.250 1,598.58 259,900.00
WICHITA FALLS TX 76309 1 11/15/99 00
0431635994 05 01/01/00 0
0381713 O 12/01/29
0
1
3030971 624/G02 F 63,400.00 ZZ
360 63,400.00 2
2012 EAST STASSNEY LANE 9.500 533.10 90
9.250 533.10 70,500.00
AUSTIN TX 78744 1 11/10/99 11
0431657337 05 01/01/00 25
82300290546F N 12/01/29
0
3031578 F42/G02 F 87,800.00 ZZ
360 87,757.94 3
3442-46 SUMMER STREET 9.625 746.29 95
9.375 746.29 92,500.00
LAKE WORTH FL 33461 1 10/27/99 10
0431637750 05 12/01/99 30
99LF0009 O 11/01/29
0
3031594 H19/G02 F 219,000.00 ZZ
360 219,000.00 1
1893 EAST ANASAZI DRIVE 8.125 1,626.07 73
7.875 1,626.07 300,000.00
OGDEN UT 84403 2 11/10/99 00
0431638295 05 01/01/00 0
0002149581 O 12/01/29
0
3031769 F42/G02 F 174,250.00 ZZ
360 174,250.00 1
2749 GIFFORD AVENUE 9.250 1,433.52 85
9.000 1,433.52 205,000.00
BRONX NY 10465 1 11/10/99 11
0431640952 05 01/01/00 12
NJ02357 O 12/01/29
0
3032699 K08/G02 F 75,600.00 ZZ
360 75,600.00 2
108 HOPE AVENUE 8.750 594.75 90
8.500 594.75 84,000.00
PASSAIC NJ 07055 1 11/16/99 04
0411639420 05 01/01/00 25
0411639420 N 12/01/29
0
3032702 K08/G02 F 112,950.00 ZZ
360 112,950.00 2
1
305 AND 307 EAST PARK STREET 8.625 878.51 90
8.375 878.51 125,500.00
CARSON CITY NV 89706 1 11/10/99 01
0411665409 05 01/01/00 25
0411665409 N 12/01/29
0
3032705 K08/G02 F 112,000.00 ZZ
360 112,000.00 1
1890 LAKEWOOD DRIVE 8.625 871.12 80
8.375 871.12 140,000.00
CENTER TX 75935 5 11/10/99 00
0411678527 05 01/01/00 0
0411678527 O 12/01/29
0
3032715 K08/G02 F 68,200.00 ZZ
360 68,200.00 1
21225 W. HAMMOND DRIVE 8.250 512.36 77
8.000 512.36 89,000.00
PORTER TX 77365 5 11/11/99 00
0411698434 03 01/01/00 0
0411698434 O 12/01/29
0
3032717 K08/G02 F 64,500.00 ZZ
360 64,500.00 1
5701 BAHIA DEL MAR CIRCLE 8.875 513.19 48
UNIT # 503 8.625 513.19 136,500.00
ST PETERSBURG FL 33715 1 11/16/99 00
0411711112 01 01/01/00 0
0411711112 N 12/01/29
0
3033015 E82/G02 F 198,000.00 ZZ
360 198,000.00 3
14 WEST MINEOLA AVENUE 8.875 1,575.38 90
8.625 1,575.38 220,000.00
VALLEY STREAM NY 11580 1 11/18/99 04
0400235990 05 01/01/00 25
0400235990 N 12/01/29
0
3033016 E82/G02 F 269,000.00 ZZ
360 269,000.00 1
146 BRANCH AVENUE 9.000 2,164.43 90
8.750 2,164.43 299,000.00
RED BANK NJ 07701 1 11/18/99 04
0400240461 05 01/01/00 25
1
0400240461 O 12/01/29
0
3033020 E82/G02 F 99,900.00 ZZ
360 99,900.00 1
144 TWIN LAKES DRIVE 9.000 803.82 80
8.750 803.82 124,900.00
HALIFAX MA 02338 1 11/18/99 00
0400239893 01 01/01/00 0
0400239893 O 12/01/29
0
3033021 E82/G02 F 406,000.00 ZZ
360 406,000.00 2
20 SOUTH STREET 9.250 3,340.06 85
9.000 3,340.06 482,600.00
BRIGHTON MA 02134 5 11/15/99 04
0400240669 05 01/01/00 12
0400240669 O 12/01/29
0
3033652 P16/G02 F 180,000.00 ZZ
360 180,000.00 1
1964 ARNOLD AVENUE 8.250 1,352.28 90
8.000 1,352.28 200,000.00
COSTA MESA CA 92627 5 11/08/99 10
0431636273 05 01/01/00 25
50004297 O 12/01/29
0
3034124 E86/G02 F 160,000.00 ZZ
360 160,000.00 1
338 41ST STREET 8.250 1,202.03 80
8.000 1,202.03 200,000.00
LINDENHURST NY 11757 1 11/17/99 00
0431644657 05 01/01/00 0
0000045775 O 12/01/29
0
3035397 K08/G02 F 159,300.00 ZZ
360 159,300.00 4
739 - 743 24TH STREET 9.625 1,354.03 90
9.375 1,354.03 177,000.00
OGDEN UT 84401 2 11/12/99 04
0411588957 05 01/01/00 25
0411588957 N 12/01/29
0
1
3035403 K08/G02 F 61,200.00 ZZ
360 61,168.27 1
6800 ORCHARD 9.250 503.48 90
9.000 503.48 68,000.00
WARREN MI 48091 1 10/19/99 01
0411654387 05 12/01/99 25
0411654387 N 11/01/29
0
3035407 K08/G02 F 137,700.00 ZZ
360 137,700.00 2
19-21 TAFT STREET 8.875 1,095.60 90
8.625 1,095.60 153,000.00
WATERBURY CT 06708 1 11/17/99 04
0411663263 05 01/01/00 25
0411663263 O 12/01/29
0
3035409 K08/G02 F 148,000.00 ZZ
360 148,000.00 1
10854 STAR PINE ROAD 8.250 1,111.87 80
8.000 1,111.87 185,000.00
TRUCKEE CA 96161 1 11/10/99 00
0411667207 03 01/01/00 0
0411667207 O 12/01/29
0
3035412 K08/G02 F 126,000.00 ZZ
360 126,000.00 4
250 WALNUT STREET 9.000 1,013.82 90
8.750 1,013.82 140,000.00
FRAMINGHAM MA 01702 1 11/17/99 04
0411676414 05 01/01/00 25
0411676414 N 12/01/29
0
3035413 K08/G02 F 126,000.00 ZZ
360 126,000.00 3
75 MAIN STREET 9.000 1,013.82 90
8.750 1,013.82 140,000.00
FRAMINGHAM MA 01702 1 11/17/99 04
0411676588 05 01/01/00 25
0411676588 N 12/01/29
0
3035416 K08/G02 F 56,000.00 ZZ
360 56,000.00 1
137 S RICHARDSON AV 8.875 445.56 72
8.625 445.56 77,800.00
1
COLUMBUS OH 43204 2 11/17/99 00
0411681505 05 01/01/00 0
0411681505 N 12/01/29
0
3035418 K08/G02 F 84,150.00 ZZ
360 84,150.00 4
2001 MONITO WAY 9.500 707.58 90
9.250 707.58 93,500.00
BRYAN TX 77807 1 11/12/99 04
0411685472 05 01/01/00 25
0411685472 N 12/01/29
0
3035419 K08/G02 F 100,000.00 ZZ
360 100,000.00 1
140 POTUCCOS RING ROAD 8.250 751.27 79
8.000 751.27 128,000.00
WOLCOTT CT 06716 2 11/12/99 00
0411686306 05 01/01/00 0
0411686306 O 12/01/29
0
3035420 K08/G02 F 94,900.00 ZZ
360 94,900.00 1
481 S. PINE STREET 9.250 780.72 65
9.000 780.72 146,000.00
CANBY OR 97013 5 11/10/99 00
0411688344 05 01/01/00 0
0411688344 N 12/01/29
0
3035422 K08/G02 F 267,500.00 ZZ
360 267,500.00 1
34472 CALLE NARANJA 8.625 2,080.59 80
8.375 2,080.59 335,000.00
DANA POINT CA 92624 2 11/09/99 00
0411688948 05 01/01/00 0
0411688948 O 12/01/29
0
3035427 K08/G02 F 140,000.00 ZZ
360 140,000.00 1
3002 YORK STREET 8.375 1,064.10 78
8.125 1,064.10 180,000.00
DENVER CO 80205 5 11/12/99 00
0411692908 05 01/01/00 0
0411692908 O 12/01/29
0
1
3035428 K08/G02 F 103,200.00 ZZ
360 103,200.00 1
13500 WILLOW SPRINGS ROAD 8.500 793.52 80
8.250 793.52 129,000.00
HASLET TX 76052 1 11/17/99 00
0411695489 05 01/01/00 0
0411695489 O 12/01/29
0
3035430 K08/G02 F 124,800.00 ZZ
360 124,800.00 1
2978 NORTH OGEMAW TRAIL 8.750 981.80 80
8.500 981.80 156,000.00
WEST BRANCH MI 48661 5 11/12/99 00
0411697204 05 01/01/00 0
0411697204 O 12/01/29
0
3035435 K08/G02 F 234,000.00 ZZ
360 234,000.00 1
1826 DELAWARE AVENUE 9.000 1,882.82 90
8.750 1,882.82 260,000.00
SANTA CRUZ CA 95060 1 11/12/99 01
0411703929 05 01/01/00 25
0411703929 N 12/01/29
0
3035439 K08/G02 F 119,900.00 ZZ
360 119,900.00 1
4111 NE MOON RIVER 8.625 932.57 71
8.375 932.57 169,900.00
JENSEN BEACH FL 34957 1 11/17/99 00
0411714173 09 01/01/00 0
0411714173 O 12/01/29
0
3035809 E82/G02 F 210,400.00 ZZ
360 210,400.00 1
5312 WOLFPEN WOODS DRIVE 8.625 1,636.47 80
8.375 1,636.47 263,000.00
LOUISVILLE KY 40059 1 11/19/99 00
0400241725 05 01/01/00 0
0400241725 O 12/01/29
0
3035810 E82/G02 F 122,150.00 ZZ
360 122,150.00 1
1
3239 MERRILL BOULEVARD 8.750 960.95 80
8.500 960.95 152,742.00
JACKSONVILLE BE FL 32250 1 11/19/99 00
0400242723 05 01/01/00 0
0400242723 O 12/01/29
0
3036026 B28/G02 F 118,750.00 ZZ
360 118,691.58 1
924 SOUTH 12TH STREET 9.500 998.52 95
9.250 998.52 125,000.00
CANON CITY CO 81212 1 11/04/99 11
0431646488 05 12/01/99 30
19990329 O 11/01/29
0
3036149 765/G02 F 164,000.00 ZZ
360 163,912.72 1
4702 MT ALIFAN DRIVE 9.125 1,334.36 80
8.875 1,334.36 205,000.00
SAN DIEGO CA 92111 1 10/28/99 00
0431645803 05 12/01/99 0
146417 O 11/01/29
0
3036695 168/168 F 46,400.00 ZZ
360 46,400.00 2
285 PARKDALE AVENUE 9.375 385.93 90
9.125 385.93 52,000.00
BUFFALO NY 14213 2 11/15/99 14
249474344 05 01/01/00 25
249474344 N 12/01/29
0
3036705 E40/G02 F 230,650.00 ZZ
360 230,650.00 1
40 MELIM DRIVE 8.750 1,814.52 80
8.500 1,814.52 288,320.00
TEWKSBURY MA 01876 1 11/15/99 00
0431640846 05 01/01/00 0
545000050 O 12/01/29
0
3038170 K08/G02 F 148,500.00 ZZ
360 148,500.00 1
436 N ASHBURY AV 8.875 1,181.53 90
8.625 1,181.53 165,000.00
BOLINGBROOK IL 60440 5 11/13/99 10
0411656804 05 01/01/00 25
1
0411656804 O 12/01/29
0
3038171 K08/G02 F 99,500.00 ZZ
360 99,500.00 1
278 BLOOMSBURY ROAD 9.250 818.56 90
9.000 818.56 110,600.00
FRANKLIN TOWNSH NJ 08802 1 11/18/99 10
0411658677 05 01/01/00 25
0411658677 N 12/01/29
0
3038173 K08/G02 F 96,000.00 ZZ
360 96,000.00 1
1933 EVERGREEN COURT 8.625 746.68 80
8.375 746.68 120,000.00
VISALIA CA 93277 1 11/03/99 00
0411668015 05 01/01/00 0
0411668015 O 12/01/29
0
3038174 K08/G02 F 45,000.00 ZZ
360 45,000.00 1
50 THOMAS 9.250 370.20 90
9.000 370.20 50,000.00
GALESBURG MI 49053 1 11/18/99 04
0411684327 05 01/01/00 25
0411684327 N 12/01/29
0
3038176 K08/G02 F 60,800.00 ZZ
360 60,800.00 1
1401 36TH AVENUE NORTH 9.250 500.19 80
9.000 500.19 76,000.00
ST PETERSBURG FL 33704 5 11/18/99 00
0411691066 05 01/01/00 0
0411691066 N 12/01/29
0
3038177 K08/G02 F 76,400.00 ZZ
360 76,400.00 2
1601 PLEASANT COVE 9.500 642.41 90
9.250 642.41 84,900.00
AUSTIN TX 78754 1 11/18/99 04
0411700594 05 01/01/00 25
0411700594 N 12/01/29
0
1
3038178 K08/G02 F 269,600.00 ZZ
360 269,600.00 1
657 WEST ACACIA AVE 8.625 2,096.92 80
8.375 2,096.92 337,000.00
EL SEGUNDO CA 90245 1 11/12/99 00
0411700966 05 01/01/00 0
0411700966 N 12/01/29
0
3038180 K08/G02 F 170,000.00 T
360 170,000.00 1
75473 STARDUST LANE 8.625 1,322.24 65
8.375 1,322.24 262,500.00
INDIAN WELLS CA 92210 1 11/15/99 00
0411703317 05 01/01/00 0
0411703317 O 12/01/29
0
3038182 K08/G02 F 76,400.00 ZZ
360 76,400.00 2
1607 PLEASANT COVE 9.500 642.41 90
9.250 642.41 84,900.00
AUSTIN TX 78754 1 11/18/99 10
0411716293 05 01/01/00 25
0411716293 N 12/01/29
0
3038279 696/G02 F 144,550.00 ZZ
360 144,550.00 1
2500 WATERSIDE DRIVE #206 9.125 1,176.11 90
8.875 1,176.11 160,664.00
FREDERICK MD 21701 1 11/19/99 12
0431646520 01 01/01/00 25
30399104 N 12/01/29
0
3038550 E82/G02 F 121,000.00 ZZ
360 121,000.00 1
2905 TAFT PARK 8.000 887.86 79
7.750 887.86 154,000.00
METAIRIE LA 70002 1 11/22/99 00
0400243044 05 01/01/00 0
0400243044 O 12/01/29
0
3038551 E82/G02 F 230,000.00 ZZ
360 230,000.00 1
382 HARVARD ROAD 8.375 1,748.17 70
8.125 1,748.17 330,000.00
1
GARDEN CITY SOU NY 11530 1 11/22/99 00
0400239349 05 01/01/00 0
0400239349 O 12/01/29
0
3038687 637/G02 F 129,600.00 ZZ
360 129,600.00 4
815 WEST RAY ROAD 8.625 1,008.02 90
8.375 1,008.02 144,000.00
CHANDLER AZ 85224 1 11/03/99 11
0431653708 05 01/01/00 25
0017349911 N 12/01/29
0
3038895 637/G02 F 81,000.00 ZZ
360 81,000.00 3
30-32 GROVE STREET 9.375 673.72 90
9.125 673.72 90,000.00
ROCKLAND ME 04841 1 11/09/99 11
0431653815 05 01/01/00 25
0017786617 N 12/01/29
0
3039329 E60/G02 F 103,000.00 ZZ
360 103,000.00 1
1723 SARATOGA AVENUE 8.250 773.81 51
8.000 773.81 203,000.00
GROVER BEACH CA 93433 1 11/16/99 00
0431649631 05 01/01/00 0
512052 O 12/01/29
0
3039366 737/G02 F 81,900.00 ZZ
360 81,900.00 1
651 DOSTER ROAD 8.875 651.63 90
8.625 651.63 91,000.00
JEFFERSON GA 30549 1 11/12/99 10
0431658376 05 01/01/00 25
2000120 N 12/01/29
0
3040510 K08/G02 F 32,000.00 ZZ
360 32,000.00 1
20505 CALDWELL STREET 9.500 269.07 75
9.250 269.07 42,750.00
DETROIT MI 48234 1 11/19/99 00
0411610520 05 01/01/00 0
0411610520 O 12/01/29
0
1
3040511 K08/G02 F 200,000.00 ZZ
360 200,000.00 1
8916 THORNMEADOW COURT 8.375 1,520.14 78
8.125 1,520.14 257,530.00
N. RICHLAND HIL TX 76180 1 11/19/99 00
0411631179 03 01/01/00 0
0411631179 O 12/01/29
0
3040515 K08/G02 F 58,500.00 ZZ
360 58,500.00 1
328 AVENUE A 9.625 497.24 90
9.375 497.24 65,000.00
WESTWEGO LA 70072 1 11/19/99 04
0411654627 05 01/01/00 25
0411654627 N 12/01/29
0
3040516 K08/G02 F 55,800.00 ZZ
360 55,800.00 1
916 NORTH LIVINGSTON 9.250 459.05 90
9.000 459.05 62,000.00
INDIANAPOLIS IN 46222 2 11/19/99 04
0411666597 05 01/01/00 25
0411666597 N 12/01/29
0
3040517 K08/G02 F 40,400.00 ZZ
360 40,400.00 1
207 HENDERSON AVENUE 9.000 325.07 90
8.750 325.07 44,900.00
JOLIET IL 60432 1 11/19/99 10
0411669906 05 01/01/00 25
0411669906 N 12/01/29
0
3040518 K08/G02 F 65,600.00 ZZ
360 65,600.00 1
3657 CARAMBOLA CIRCLE 8.750 516.08 80
UNIT # 2858 8.500 516.08 82,000.00
COCONUT CREEK FL 33066 1 11/19/99 00
0411672819 09 01/01/00 0
0411672819 O 12/01/29
0
3040519 K08/G02 F 164,500.00 E
360 164,500.00 4
1
2153,2155,2157 AND 2159 NAVAHO 8.500 1,264.86 72
COURT 8.250 1,264.86 230,000.00
SALEM OR 97302 1 11/11/99 00
0411674682 05 01/01/00 0
0411674682 N 12/01/29
0
3040521 K08/G02 F 75,000.00 ZZ
360 75,000.00 1
229 GARDEN BEND 8.500 576.69 69
8.250 576.69 110,000.00
LA VERNIA TX 78121 1 11/19/99 00
0411676018 05 01/01/00 0
0411676018 O 12/01/29
0
3040525 K08/G02 F 69,600.00 ZZ
360 69,600.00 1
355 YORK ROAD 8.375 529.01 85
8.125 529.01 81,900.00
SALISBURY NC 28147 5 11/15/99 14
0411684871 05 01/01/00 12
0411684871 O 12/01/29
0
3040528 K08/G02 F 42,000.00 ZZ
360 42,000.00 1
156 HOLIDAY DRIVE 9.000 337.94 66
8.750 337.94 64,000.00
PASS CHRISTIAN MS 39571 5 11/19/99 00
0411691298 05 01/01/00 0
0411691298 N 12/01/29
0
3040529 K08/G02 F 58,100.00 ZZ
360 58,100.00 1
15 31ST ST 9.000 467.49 70
8.750 467.49 83,000.00
GULFPORT MS 39501 5 11/19/99 00
0411691322 05 01/01/00 0
0411691322 N 12/01/29
0
3040530 K08/G02 F 76,000.00 ZZ
360 76,000.00 1
2930 NE 10 TERRACE 8.750 597.89 80
8.500 597.89 95,000.00
POMPANO BEACH FL 33064 2 11/15/99 00
0411691686 05 01/01/00 0
1
0411691686 O 12/01/29
0
3040531 K08/G02 F 66,600.00 ZZ
360 66,600.00 2
332 LIME ST 9.000 535.88 90
8.750 535.88 74,000.00
JOLIET IL 60435 1 11/19/99 10
0411691710 05 01/01/00 25
0411691710 N 12/01/29
0
3040532 K08/G02 F 58,500.00 ZZ
360 58,500.00 2
3416-18 WEST 50TH STREET 9.375 486.57 90
9.125 486.57 65,000.00
CLEVELAND OH 44102 1 11/19/99 04
0411692015 05 01/01/00 25
0411692015 N 12/01/29
0
3040533 K08/G02 F 148,000.00 ZZ
360 148,000.00 1
244 BO'S CIRCLE 9.000 1,190.84 80
8.750 1,190.84 185,000.00
SPOKANE MO 65764 1 11/19/99 00
0411692296 05 01/01/00 0
0411692296 O 12/01/29
0
3040535 K08/G02 F 209,200.00 ZZ
360 209,200.00 3
2728 W THOMAS 9.000 1,683.27 80
8.750 1,683.27 261,500.00
CHICAGO IL 60622 5 11/19/99 00
0411694417 05 01/01/00 0
0411694417 N 12/01/29
0
3040536 K08/G02 F 522,000.00 ZZ
360 522,000.00 1
1739 TRADEWINDS LANE 8.375 3,967.58 75
8.125 3,967.58 700,000.00
NEWPORT BEACH CA 92660 1 11/12/99 00
0411695372 05 01/01/00 0
0411695372 O 12/01/29
0
1
3040547 K08/G02 F 91,400.00 ZZ
360 91,400.00 1
740 VINTAGE CIRCLE 8.500 702.79 75
8.250 702.79 121,900.00
DESTIN FL 32541 1 11/19/99 00
0411711203 05 01/01/00 0
0411711203 O 12/01/29
0
3040548 K08/G02 F 280,000.00 ZZ
360 280,000.00 1
5411 DUCK CREEK ROAD 8.750 2,202.76 80
8.500 2,202.76 350,000.00
SANGER TX 76266 1 11/19/99 00
0411721004 05 01/01/00 0
0411721004 O 12/01/29
0
3040646 K08/G02 F 69,600.00 ZZ
360 69,600.00 2
12 HEDGE AVENUE 8.875 553.77 80
8.625 553.77 88,000.00
NORWICH CT 06360 5 11/16/99 00
0411634975 05 01/01/00 0
0411634975 O 12/01/29
0
3040647 K08/G02 F 152,000.00 ZZ
360 152,000.00 1
1346 HARNESS COURT 8.625 1,182.24 80
8.375 1,182.24 190,000.00
AUBURN CA 95603 2 11/12/99 00
0411647829 03 01/01/00 0
0411647829 O 12/01/29
0
3040653 K08/G02 F 160,000.00 ZZ
360 160,000.00 1
3701 ROYAL MEADOW ROAD 9.250 1,316.28 29
9.000 1,316.28 560,000.00
LOS ANGELES CA 91403 5 11/16/99 00
0411670060 05 01/01/00 0
0411670060 N 12/01/29
0
3040657 K08/G02 F 140,250.00 ZZ
360 140,250.00 1
3515 OAK DRIVE 8.375 1,066.00 85
8.125 1,066.00 165,000.00
1
EDGEWATER MD 21037 5 11/16/99 11
0411681232 03 01/01/00 12
0411681232 O 12/01/29
0
3040665 K08/G02 F 66,950.00 ZZ
360 66,950.00 1
4528 BLUE PINE CIRCLE 8.500 514.79 65
8.250 514.79 103,000.00
LAKE WORTH FL 33463 1 11/22/99 00
0411689581 03 01/01/00 0
0411689581 O 12/01/29
0
3040669 K08/G02 F 500,000.00 ZZ
360 500,000.00 2
490-492 PENNSYLVANIA AVENUE 9.000 4,023.11 77
8.750 4,023.11 650,000.00
SAN FRANCISCO CA 94107 5 11/09/99 00
0411692718 05 01/01/00 0
0411692718 O 12/01/29
0
3040672 K08/G02 F 103,000.00 ZZ
360 103,000.00 1
3934 ORD FERRY ROAD 8.500 791.98 80
8.250 791.98 130,000.00
CHICO CA 95928 2 11/12/99 00
0411696735 05 01/01/00 0
0411696735 O 12/01/29
0
3040680 K08/G02 F 260,600.00 ZZ
360 260,600.00 1
613 SOTOGRANDE DR. 8.125 1,934.95 80
7.875 1,934.95 325,750.00
GARLAND TX 75044 1 11/22/99 00
0411703457 03 01/01/00 0
0411703457 O 12/01/29
0
3040683 K08/G02 F 284,000.00 ZZ
360 284,000.00 1
1973 MONROE STREET 8.000 2,083.89 80
7.750 2,083.89 355,000.00
SANTA CLARA CA 95050 5 11/15/99 00
0411705981 05 01/01/00 0
0411705981 O 12/01/29
0
1
3040685 K08/G02 F 66,000.00 ZZ
360 66,000.00 1
4242 N CAPISTRANO DR. 8.500 507.48 75
UNIT # 197 8.250 507.48 88,000.00
DALLAS TX 75287 1 11/22/99 00
0411708605 01 01/01/00 0
0411708605 N 12/01/29
0
3040686 K08/G02 F 30,400.00 ZZ
360 30,400.00 1
709 E. HOLMES 9.375 252.85 80
9.125 252.85 38,000.00
LIMA OH 45804 1 11/22/99 00
0411708886 05 01/01/00 0
0411708886 N 12/01/29
0
3040993 K08/G02 F 148,000.00 ZZ
360 148,000.00 1
275 PILOT POINT 8.625 1,151.13 74
8.375 1,151.13 200,000.00
ALVARADO TX 76009 5 11/18/99 00
0411662703 03 01/01/00 0
0411662703 O 12/01/29
0
3041013 K08/G02 F 179,500.00 ZZ
360 179,500.00 1
16118 VIA MEDIA 8.250 1,348.52 78
8.000 1,348.52 232,500.00
SAN LORENZO CA 94580 5 11/17/99 00
0411702681 03 01/01/00 0
0411702681 O 12/01/29
0
3041553 E82/G02 F 67,500.00 ZZ
360 67,500.00 1
910 7TH AVENUE NORTH 9.125 549.20 90
8.875 549.20 75,000.00
PRINCETON MN 55371 1 11/23/99 04
0400242137 05 01/01/00 25
0400242137 N 12/01/29
0
3041554 E82/G02 F 176,000.00 ZZ
360 176,000.00 1
1
84 RAILROAD STREET 8.750 1,384.59 80
8.500 1,384.59 220,000.00
CANAAN-FALLS VI CT 06031 1 11/19/99 00
0400240826 05 01/01/00 0
040024082 O 12/01/29
0
3041822 562/G02 F 148,000.00 ZZ
360 148,000.00 1
57 RYEGATE TERRACE 8.500 1,138.00 80
8.250 1,138.00 185,000.00
MONROE CT 06468 1 11/18/99 00
0431650894 05 01/01/00 0
615005 O 12/01/29
0
3042695 664/G02 F 162,500.00 ZZ
360 162,500.00 1
24217 39TH AVE S 8.500 1,249.49 80
8.250 1,249.49 205,000.00
KENT WA 98032 2 11/11/99 00
0431649656 05 01/01/00 0
0003016581 O 12/01/29
0
3044096 K08/G02 F 191,700.00 ZZ
360 191,700.00 4
520 BLUFF STREET 9.250 1,577.07 90
9.000 1,577.07 213,000.00
WAUKEGAN IL 60085 2 11/24/99 01
0411696610 05 01/01/00 25
0411696610 N 12/01/29
0
3044101 K08/G02 F 85,000.00 ZZ
360 85,000.00 1
6951 NW 169 TERRACE 8.875 676.30 63
8.625 676.30 135,000.00
MIAMI FL 33015 1 11/24/99 00
0411701329 03 01/01/00 0
0411701329 O 12/01/29
0
3044102 K08/G02 F 208,800.00 ZZ
360 208,800.00 1
165 N CANAL ST 8.750 1,642.63 90
8.500 1,642.63 232,055.00
CHICAGO IL 60606 1 11/24/99 01
0411701444 06 01/01/00 20
1
0411701444 O 12/01/29
0
3044107 K08/G02 F 72,900.00 ZZ
360 72,900.00 1
2302 CHESTNUT OAK PLACE 9.375 606.35 90
9.125 606.35 81,000.00
THE WOODLANDS TX 77380 1 11/24/99 04
0411708795 03 01/01/00 25
0411708795 N 12/01/29
0
3044109 K08/G02 F 145,650.00 ZZ
360 145,650.00 1
6631 WATERBURY DRIVE 8.750 1,145.83 80
8.500 1,145.83 182,089.00
FRISCO TX 75035 1 11/24/99 00
0411713902 03 01/01/00 0
0411713902 O 12/01/29
0
3044305 696/G02 F 275,000.00 ZZ
360 275,000.00 1
1506 N EDISON STREET 8.250 2,065.98 67
8.000 2,065.98 415,000.00
ARLINGTON VA 22205 2 11/23/99 00
0431651264 05 01/01/00 0
10099067 O 12/01/29
0
3044369 E82/G02 F 114,000.00 ZZ
360 114,000.00 1
1 JAMES STREET 9.125 927.54 80
8.875 927.54 143,400.00
SANDWICH MA 02563 5 11/23/99 00
0400230306 05 01/01/00 0
04000 O 12/01/29
0
3044370 E82/G02 F 350,000.00 ZZ
360 350,000.00 1
210 PINE BROOK ROAD 8.875 2,784.76 52
8.625 2,784.76 680,000.00
BOULDER CO 80304 5 11/19/99 00
0400242079 05 01/01/00 0
0400242079 O 12/01/29
0
1
3044372 E82/G02 F 112,000.00 ZZ
360 112,000.00 1
1357 ETHEL AVENUE 8.750 881.10 80
8.500 881.10 140,000.00
LAKEWOOD OH 44107 5 11/23/99 00
0400243408 05 01/01/00 0
0400243408 O 12/01/29
0
3044840 K15/G02 F 49,000.00 ZZ
360 49,000.00 1
303 ST MARYS STREET 9.500 412.02 70
9.250 412.02 70,000.00
PHOENIXVILLE PA 19460 5 11/04/99 00
0431662410 05 01/01/00 0
3001381 N 12/01/29
0
3044902 K15/G02 F 348,000.00 ZZ
360 348,000.00 1
342 HILLCREST DRIVE 8.000 2,553.50 80
7.750 2,553.50 435,000.00
ENCINITAS CA 92024 1 11/05/99 00
0431660455 05 01/01/00 0
3002970 O 12/01/29
0
3044997 637/G02 F 130,400.00 ZZ
360 130,400.00 4
1979 NE 3RD STREET 9.000 1,049.23 80
8.750 1,049.23 163,000.00
DEERFIELD BEACH FL 33441 1 11/15/99 00
0431652460 05 01/01/00 0
0019050848 N 12/01/29
0
3045095 637/G02 F 101,000.00 ZZ
360 101,000.00 2
8 BOND STREET 9.125 821.77 90
8.875 821.77 112,250.00
BROOKLINE NH 03033 1 11/16/99 01
0431654599 05 01/01/00 25
0016658627 N 12/01/29
0
3045377 168/168 F 100,000.00 ZZ
360 100,000.00 1
3204 TIERNEY PLACE 8.750 786.70 31
8.500 786.70 325,000.00
1
BRONX NY 10465 1 11/22/99 00
249482967 05 01/01/00 0
249482967 O 12/01/29
0
3045534 P59/G02 F 43,200.00 ZZ
360 43,200.00 2
45519 & 45521 W CEDAR AVE 9.625 367.20 90
9.375 367.20 48,000.00
LANCASTER CA 93534 1 11/08/99 01
0431660331 05 01/01/00 25
99187598 N 12/01/29
0
3045852 B85/G02 F 239,900.00 ZZ
360 239,900.00 1
376 RIVER ROAD 8.625 1,865.92 29
8.375 1,865.92 855,000.00
CARLISLE MA 01741 5 11/23/99 00
0431653641 05 01/01/00 0
0380770 O 12/01/29
0
3045991 K15/G02 F 95,000.00 ZZ
360 95,000.00 1
5230 OLIVE DALE COURT 8.875 755.86 87
8.625 755.86 110,000.00
NORTH LAS VEGAS NV 89031 1 11/01/99 11
0431662436 05 01/01/00 25
3002352 O 12/01/29
0
3046092 950/G02 F 376,000.00 ZZ
360 376,000.00 1
899 NORTHWEST ELFORD DRIVE 9.000 3,025.38 80
8.750 3,025.38 470,000.00
SEATTLE WA 98177 1 11/16/99 00
0431657774 05 01/01/00 0
401991014105 O 12/01/29
0
3047035 E82/G02 F 112,000.00 ZZ
360 112,000.00 2
1833 FARNSLEY ROAD 8.625 871.12 80
8.375 871.12 140,000.00
LOUISVILLE KY 40216 5 11/24/99 00
0400242269 05 01/01/00 0
0400242269 O 12/01/29
0
1
3047038 E82/G02 F 223,550.00 ZZ
360 223,550.00 1
323 GARDNER STREET 8.875 1,778.66 85
8.625 1,778.66 263,000.00
HINGHAM MA 02043 1 11/30/99 04
0400242707 05 01/01/00 12
0400242707 O 12/01/29
0
3047045 E82/G02 F 80,800.00 ZZ
360 80,800.00 1
17645 IONIA COURT 9.375 672.05 80
9.125 672.05 101,000.00
LAKEVILLE MN 55044 2 11/24/99 00
0400242954 05 01/01/00 0
0400242954 N 12/01/29
0
3048076 K15/G02 F 131,800.00 ZZ
360 131,800.00 1
2990 SAVERS COURT 9.125 1,072.37 90
8.875 1,072.37 146,530.00
LAS VEGAS NV 89115 1 11/04/99 11
0431662246 05 01/01/00 25
3002418 N 12/01/29
0
3048768 A02/G02 F 312,200.00 ZZ
360 312,200.00 1
1324 BAY MEADOWS DRIVE 8.875 2,484.00 94
8.625 2,484.00 332,195.00
BARTLETT IL 60103 1 11/19/99 12
0431665777 05 01/01/00 30
3008280 O 12/01/29
0
3049140 E45/G02 F 342,950.00 ZZ
360 342,950.00 1
9611 GOVERNORS CLUB PLACE 9.000 2,759.45 95
8.750 2,759.45 361,000.00
BRADENTON FL 34202 1 11/12/99 11
0431655331 03 01/01/00 25
57036 O 12/01/29
0
3049486 M46/G02 F 128,250.00 ZZ
360 128,250.00 1
1
5001 WOODWAY DRIVE #1003 9.625 1,090.11 95
9.375 1,090.11 135,000.00
HOUSTON TX 77056 1 11/08/99 04
0431663012 06 01/01/00 30
7353500 O 12/01/29
0
3049559 H19/G02 F 58,600.00 ZZ
360 58,600.00 1
515 WEST CRAWFORD 8.750 461.01 88
8.500 461.01 67,000.00
ELKHART IN 46514 2 11/17/99 10
0431663053 05 01/01/00 25
0002163087 N 12/01/29
0
3051377 K08/G02 F 56,250.00 ZZ
360 56,250.00 1
4965 PACIFIC STREET 9.250 462.75 75
9.000 462.75 75,000.00
ROCKLIN CA 95677 1 11/17/99 00
0411657349 05 01/01/00 0
0411657349 N 12/01/29
0
3051612 405/405 F 144,250.00 ZZ
360 144,079.04 1
2479 GRAFTON STREET 8.625 1,121.97 63
8.375 1,121.97 230,000.00
EL CAJON CA 92020 5 10/05/99 00
16301186 05 11/01/99 0
16301186 N 10/01/29
0
3052222 E82/G02 F 55,000.00 ZZ
360 55,000.00 3
279 - 281 2ND AVENUE 8.500 422.90 30
8.250 422.90 185,000.00
NEWARK NJ 07107 5 11/26/99 00
0400243549 05 01/01/00 0
04002343549 O 12/01/29
0
3052394 455/G02 F 203,500.00 ZZ
360 203,500.00 1
24602 CAPILANO COURT 8.375 1,546.75 66
8.125 1,546.75 310,000.00
KATY TX 77494 2 11/18/99 00
0431658970 03 01/01/00 0
1
45440 O 12/01/29
0
3052530 163/G02 F 173,600.00 ZZ
360 173,600.00 1
4214 VIA CLEMENTE 8.750 1,365.71 80
8.500 1,365.71 217,000.00
OCEANSIDE CA 92057 5 11/09/99 00
0431654540 03 01/01/00 0
1417139934 O 12/01/29
0
3052556 163/G02 F 53,550.00 ZZ
360 53,520.75 1
3087 COLONIAL WAY #E 9.000 430.88 85
8.750 430.88 63,000.00
ATLANTA GA 30341 1 10/28/99 04
0431654912 01 12/01/99 20
7717131014 N 11/01/29
0
3052981 940/G02 F 236,800.00 ZZ
360 236,800.00 1
12860 SUNDOWN LANE 8.500 1,820.79 80
8.250 1,820.79 296,000.00
CHINO HILLS CA 91709 1 11/18/99 00
0431667138 05 01/01/00 0
WH1331 O 12/01/29
0
3054173 K08/G02 F 150,400.00 ZZ
360 150,400.00 1
12504 45TH AVENUE SOUTHEAST 8.250 1,129.90 79
8.000 1,129.90 191,000.00
EVERETT WA 98208 5 11/22/99 00
0411693930 05 01/01/00 0
0411693930 O 12/01/29
0
3054177 K08/G02 F 126,000.00 ZZ
360 126,000.00 3
1184 78TH AVENUE 9.500 1,059.48 90
9.250 1,059.48 140,000.00
OAKLAND CA 94621 1 11/18/99 01
0411696362 05 01/01/00 25
0411696362 N 12/01/29
0
1
3054182 K08/G02 F 157,425.00 ZZ
360 157,425.00 3
217, 219 & 221 WEST CARLTON 8.750 1,238.46 75
8.500 1,238.46 209,900.00
TRACY CA 95376 1 11/19/99 00
0411705445 05 01/01/00 0
0411705445 N 12/01/29
0
3054190 K08/G02 F 143,700.00 ZZ
360 143,700.00 1
5904 CAMRAY CIRCLE 8.625 1,117.68 79
8.375 1,117.68 183,000.00
CARMICHAEL CA 95608 2 11/18/99 00
0411712292 05 01/01/00 0
0411712292 O 12/01/29
0
3054372 E82/G02 F 95,000.00 ZZ
360 95,000.00 1
3630 PEBBLE CREEK COURT 8.875 755.86 68
8.625 755.86 139,775.00
MASON OH 45040 1 12/01/99 00
0400245593 05 01/01/00 0
0400245593 O 12/01/29
0
3057177 K08/G02 F 338,000.00 ZZ
360 338,000.00 1
3828 FAIRWAY DRIVE 8.750 2,659.05 75
8.500 2,659.05 455,000.00
CAMERON PARK CA 95682 2 11/23/99 00
0411709041 05 01/01/00 0
0411709041 O 12/01/29
0
3057186 K08/G02 F 162,000.00 ZZ
360 162,000.00 3
1424 NORTH FIRST STREET 8.625 1,260.02 90
8.375 1,260.02 180,000.00
EL CAJON CA 92021 1 11/24/99 10
0411716905 05 01/01/00 25
0411716905 N 12/01/29
0
3058642 H19/G02 F 119,000.00 ZZ
360 119,000.00 1
379 EAST 600 SOUTH #15 9.500 1,000.62 70
9.250 1,000.62 170,000.00
1
SALT LAKE CITY UT 84111 1 11/22/99 00
0431667443 01 01/01/00 0
0002149441 N 12/01/29
0
3061392 E82/G02 F 56,000.00 ZZ
360 56,000.00 1
308 REINHARD AVENUE 9.500 470.88 80
9.250 470.88 70,000.00
UNION MO 63084 5 11/26/99 00
0400242301 05 01/01/00 0
0400242301 N 12/01/29
0
TOTAL NUMBER OF LOANS : 1,528
TOTAL ORIGINAL BALANCE : 217,579,008.00
TOTAL PRINCIPAL BALANCE : 217,369,717.42
TOTAL ORIGINAL P+I : 1,720,912.77
TOTAL CURRENT P+I : 1,720,912.77
***************************
* END OF REPORT *
***************************
1
RUN ON : 12/20/99 RFC DISCLOSURE SYSTEM RFFSDFIX-01
AT : 09.21.14 FIXED PASSTHRU REPORT AMORTIZED BALANCE
SERIES : RALI 1999-QS15 CUTOFF : 12/01/99
POOL : 0004416
:
:
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
---------------------------------------------------------------------------
1675830 .2500
40,805.75 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1798593 .2500
60,531.79 .0300
7.6250 .0000
7.3750 .0000
7.3450 .0000
7.3450 .0000
1800195 .2500
19,297.69 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1802605 .2500
130,995.68 .0300
7.6250 .0000
7.3750 .0000
7.3450 .0000
7.3450 .0000
1804028 .2500
19,289.29 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1804740 .2500
138,600.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1
1807868 .2500
106,887.39 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
1836664 .2500
117,807.63 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
7.7200 .0000
1864660 .2500
16,399.30 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
7.7200 .0000
1878347 .2500
107,203.96 .0300
7.1250 .0000
6.8750 .0000
6.8450 .0000
6.8450 .0000
1889494 .2500
68,447.92 .0300
7.0000 .0000
6.7500 .0000
6.7200 .0000
6.7200 .0000
1910546 .2500
111,974.28 .0800
8.1250 .0000
7.8750 .0000
7.7950 .0000
7.7500 .0450
1910874 .2500
23,016.66 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1913874 .2500
53,795.07 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1
1913908 .2500
37,637.27 .0300
7.7500 .0000
7.5000 .0000
7.4700 .0000
7.4700 .0000
1918536 .2500
60,519.48 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1918927 .2500
64,828.16 .0800
8.1250 .0000
7.8750 .0000
7.7950 .0000
7.7500 .0450
1921470 .2500
395,783.69 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1922022 .2500
94,231.18 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
1925005 .2500
23,718.50 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1927023 .2500
21,988.86 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1927269 .2500
73,333.33 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
1
1929242 .2500
96,916.24 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1930205 .2500
104,088.64 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
7.7200 .0000
1931669 .2500
38,700.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
1931740 .2500
46,776.98 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
1932009 .2500
414,328.39 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1932135 .2500
211,398.68 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
7.7500 1.5450
1932595 .2500
119,640.62 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1932684 .2500
85,472.66 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
1
1932861 .2500
127,959.22 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
1934207 .2500
369,139.15 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1934221 .2500
297,611.35 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1934648 .2500
292,322.80 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1935068 .2500
167,707.91 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1936253 .2500
153,824.31 .0800
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58,600.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3051377 .2500
56,250.00 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
3051612 .2500
144,079.04 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
3052222 .2500
55,000.00 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
3052394 .2500
203,500.00 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
3052530 .2500
173,600.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3052556 .2500
53,520.75 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1
3052981 .2500
236,800.00 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
3054173 .2500
150,400.00 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
3054177 .2500
126,000.00 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
3054182 .2500
157,425.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3054190 .2500
143,700.00 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
3054372 .2500
95,000.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3057177 .2500
338,000.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3057186 .2500
162,000.00 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1
3058642 .2500
119,000.00 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
3061392 .2500
56,000.00 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
TOTAL NUMBER OF LOANS: 1528
TOTAL BALANCE........: 217,369,717.42
1
RUN ON : 12/20/99 RFC DISCLOSURE SYSTEM RFFSDFIX-01
AT : 09.21.14 INITIAL SECURITY FEES AMORTIZED BALANCE
SERIES : RALI 1999-QS15 FIXED SUMMARY REPORT CUTOFF : 12/01/99
POOL : 0004416
:
:
POOL STATUS: F
WEIGHTED AVERAGES FROM TO
---------------------------------------------------------------------------
CURR NOTE RATE 8.8010 7.0000 10.6250
RFC NET RATE 8.5509 6.7500 10.3750
NET MTG RATE(INVSTR RATE) 8.4735 6.7200 10.2950
POST STRIP RATE 7.7414 6.7200 7.7500
SUB SERV FEE .2502 .2500 .5000
MSTR SERV FEE .0774 .0300 .0800
ALL EXP .0000 .0000 .0000
MISC EXP .0000 .0000 .0000
SPREAD .0000 .0000 .0000
STRIP .7321 .0000 2.5450
TOTAL NUMBER OF LOANS: 1528
TOTAL BALANCE........: 217,369,717.42
***************************
* END OF REPORT *
***************************
<PAGE>
EXHIBIT TWO
SCHEDULE OF DISCOUNT FRACTIONS
Schedule of Discount Fractions
Loan Number Current Balance Net Mortgage Rate Discount Fraction PO Balance
1798593 $60,531.79 7.345% 5.2258% $3,163.27
1802605 $130,995.68 7.345% 5.2258% $6,845.58
1836664 $117,807.63 7.720% 0.3871% $456.03
1864660 $16,399.30 7.720% 0.3871% $63.48
1878347 $107,203.96 6.845% 11.6774% $12,518.66
1889494 $68,447.92 6.720% 13.2903% $9,096.95
1913908 $37,637.27 7.470% 3.6129% $1,359.80
1930205 $104,088.64 7.720% 0.3871% $402.92
1937609 $167,659.58 7.720% 0.3871% $649.00
1938406 $276,324.56 7.595% 2.0000% $5,526.49
1950326 $199,723.82 7.595% 2.0000% $3,994.48
1951073 $106,077.99 7.570% 2.3226% $2,463.75
1951242 $311,785.28 7.595% 2.0000% $6,235.71
1951809 $80,500.00 7.595% 2.0000% $1,610.00
1951832 $277,813.46 7.720% 0.3871% $1,075.41
1951957 $72,602.65 7.720% 0.3871% $281.04
1952151 $111,739.83 7.720% 0.3871% $432.54
1953181 $261,638.19 7.595% 2.0000% $5,232.76
1953244 $87,700.83 7.720% 0.3871% $339.49
1953253 $179,635.23 7.720% 0.3871% $695.36
1953590 $95,935.58 7.720% 0.3871% $371.36
1954072 $100,000.00 7.720% 0.3871% $387.10
1954661 $237,000.00 7.720% 0.3871% $917.42
1955553 $110,000.00 7.470% 3.6129% $3,974.19
1955901 $131,250.00 7.345% 5.2258% $6,858.87
1955902 $115,800.00 7.720% 0.3871% $448.26
1955906 $131,250.00 7.595% 2.0000% $2,625.00
1955960 $529,444.51 7.720% 0.3871% $2,049.46
1956424 $114,564.96 7.720% 0.3871% $443.48
1956593 $296,250.00 7.720% 0.3871% $1,146.77
1957227 $400,000.00 7.720% 0.3871% $1,548.39
1957736 $225,000.00 7.720% 0.3871% $870.97
2683571 $111,957.80 7.095% 8.4516% $9,462.24
2796460 $116,254.17 6.970% 10.0645% $11,700.42
2799114 $65,955.02 7.720% 0.3871% $255.31
2844522 $108,044.57 7.595% 2.0000% $2,160.89
2858999 $55,809.59 7.720% 0.3871% $216.04
2863135 $124,138.72 7.470% 3.6129% $4,485.01
2863180 $120,410.19 7.595% 2.0000% $2,408.20
2863249 $224,358.61 7.470% 3.6129% $8,105.86
2882913 $264,427.26 7.345% 5.2258% $13,818.46
2882947 $340,003.31 7.345% 5.2258% $17,767.91
2945848 $55,724.87 7.720% 0.3871% $215.71
2974018 $44,878.03 7.720% 0.3871% $173.72
2976084 $198,751.47 7.195% 7.1613% $14,233.17
2991929 $148,797.90 7.095% 8.4516% $12,575.82
2996074 $499,664.50 7.720% 0.3871% $1,934.19
3009094 $359,758.45 7.720% 0.3871% $1,392.61
3009229 $299,793.54 7.595% 2.0000% $5,995.87
3014577 $150,645.83 7.345% 5.2258% $7,872.46
3017277 $131,500.00 7.720% 0.3871% $509.03
3019117 $67,954.37 7.720% 0.3871% $263.05
3019123 $56,873.32 7.720% 0.3871% $220.15
3019134 $116,921.50 7.720% 0.3871% $452.60
3019145 $69,953.03 7.720% 0.3871% $270.79
3019156 $113,666.68 7.720% 0.3871% $440.00
3019186 $122,217.81 7.595% 2.0000% $2,444.36
3019190 $252,248.63 7.220% 6.8387% $17,250.55
3019207 $303,796.03 7.720% 0.3871% $1,175.98
3019208 $319,785.28 7.720% 0.3871% $1,237.88
3019215 $162,314.56 7.095% 8.4516% $13,718.20
3025699 $54,000.00 7.595% 2.0000% $1,080.00
3028322 $312,450.00 7.720% 0.3871% $1,209.48
3038550 $121,000.00 7.720% 0.3871% $468.39
3040683 $284,000.00 7.720% 0.3871% $1,099.35
3044902 $348,000.00 7.720% 0.3871% $1,347.10
<PAGE>
EXHIBIT THREE
INFORMATION TO BE INCLUDED IN
MONTHLY DISTRIBUTION DATE STATEMENT
(i) (a) the amount of such distribution to the Certificateholders
of such Class applied to reduce the Certificate Principal Balance
thereof, and (b) the aggregate amount included therein representing
Principal Prepayments;
(ii) the amount of such distribution to Holders of such Class of
Certificates allocable to interest;
(iii) if the distribution to the Holders of such Class of
Certificates is less than the full amount that would be distributable to
such Holders if there were sufficient funds available therefor, the
amount of the shortfall;
(iv) the amount of any Advance by the Master Servicer pursuant to
Section 4.04;
(v) the number and Pool Stated Principal Balance of the Mortgage
Loans after giving effect to the distribution of principal on such
Distribution Date;
(vi) the aggregate Certificate Principal Balance of each Class of
Certificates and 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;
<PAGE>
(xiii) the Pass-Through Rates on the Floater Certificates and
Inverse Floater Certificates for such Distribution Date, separately
identifying LIBOR for such Distribution Date;
(xiv) the Notional Amount with respect to each class of Interest
Only Certificates and each Subclass Notional Amount;
(xv) the occurrence of the Credit Support Depletion Date;
(xvi) the related Senior Accelerated Distribution Percentage
applicable to such distribution;
(xvii) the related Senior Percentage for such Distribution Date;
(xviii)the aggregate amount of Realized Losses for such
Distribution Date;
(xix) the aggregate amount of any recoveries on previously
foreclosed loans from Sellers due to a breach of representation or
warranty;
(xx) the weighted average remaining term to maturity of the
Mortgage Loans after giving effect to the amounts distributed on such
Distribution Date;
(xxi) the weighted average Mortgage Rates of the Mortgage Loans
after giving effect to the amounts distributed on such Distribution
Date; and
(xxii) 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
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
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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>
<PAGE>
