SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
Date of Report (Date of earliest event reported) February 1, 2000
RESIDENTIAL ACCREDIT LOANS, INC. (as company under a Pooling and Servicing
Agreement dated as of February 1, 2000 providing for, inter alia, the issuance
of Mortgage Asset-Backed Pass-Through Certificates, Series 2000-QS2)
Residential Accredit Loans, Inc.
(Exact name of registrant as specified in its charter)
DELAWARE 333-72661 51-0368240
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(State or other jurisdiction (Commission) (I.R.S. employer
of incorporation) file number) identification no.)
8400 Normandale Lake Blvd., Suite 600, Minneapolis, MN 55437
(Address of principal executive offices) (Zip code)
Registrant's telephone number, including area code (612) 832-7000
(Former name or former address, if changed since last report)
Exhibit Index located on Page 2
<PAGE>
Items 1 through 6 and Item 8 are not included because they are not applicable.
Item 7. Financial Statements, Pro Forma Financial Information and Exhibits.
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(a) Not applicable
(b) Not applicable
(c) Exhibits (executed copies): The following execution copies of
Exhibits to the Form S-3 Registration Statement of the Registrant are hereby
filed:
Sequentially
Exhibit Numbered
Number Exhibit Page
10.1 Series Supplement, dated as of February 1, 2000, and the Standard Terms of
Pooling and Servicing Agreement, dated as of December 1, 1999, among Residential
Accredit Loans, Inc., as company, Residential Funding Corporation, as master
servicer, and Bankers Trust Company, as trustee.
<PAGE>
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of
1934, the registrant has duly caused this report to be signed on its behalf by
the undersigned thereunto duly authorized.
RESIDENTIAL ACCREDIT LOANS, INC.
By: /s/ Timothy G. Pillar
Name: Timothy G. Pillar
Title: Vice President
Dated: February 29, 2000
<PAGE>
EXHIBIT 10.1
Series Supplement, dated as of February 1, 2000, and the Standard Terms of
Pooling and Servicing Agreement, dated as of December 1, 1999, among Residential
Accredit Loans, Inc., as company, Residential Funding Corporation, as master
servicer, and Bankers Trust Company, as trustee.
<PAGE>
EXECUTION COPY
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RESIDENTIAL ACCREDIT LOANS, INC.,
Company,
RESIDENTIAL FUNDING CORPORATION,
Master Servicer,
and
BANKERS TRUST COMPANY,
Trustee
SERIES SUPPLEMENT,
Dated as of February 1, 2000,
TO
STANDARD TERMS OF
POOLING AND SERVICING AGREEMENT
dated as of December 1, 1999
Mortgage Asset-Backed Pass-Through Certificates
Series 2000-QS2
================================================================================
<PAGE>
<TABLE>
<CAPTION>
<S> <C>
Article I DEFINITIONS...............................................................3
Section 1.01.Definitions............................................................3
Section 1.02.Use of Words and Phrases..............................................11
Article II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES..........12
Section 2.01.Conveyance of Mortgage Loans. (See Section 2.01 of the Standard
Terms).................................................................12
Section 2.02.Acceptance by Trustee. (See Section 2.02 of the Standard Terms)......12
Section 2.03.Representations, Warranties and Covenants of the Master Servicer and the Company
12
Section 2.04.Representations and Warranties of Sellers. (See Section 2.04 of the Standard Terms)
15
Section 2.05............................Execution and Authentication of Certificates.
15
Article III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS...........................16
Article IV PAYMENTS TO CERTIFICATEHOLDERS...........................................17
Section 4.01...........Certificate Account. (See Section 4.01 of the Standard Terms)
17
Section 4.02............................................................Distributions
17
Section 4.03.Statements to Certificateholders. (See Section 4.03 of the Standard Terms and Exhibit Three
attached hereto).......................................................26
Section 4.04.Distribution of Reports to the Trustee and the Company; Advances by the Master Servicer.
(See Section 4.04 of the Standard Terms)...............................26
Section 4.05............................................Allocation of Realized Losses
26
Section 4.06.Reports of Foreclosures and Abandonment of Mortgaged Property. (See Section 4.06 of the
Standard Terms)........................................................27
Section 4.07.Optional Purchase of Defaulted Mortgage Loans. (See Section 4.07 of the Standard Terms)
27
Section 4.08....................Surety Bond. (See Section 4.08 of the Standard Terms)
27
Article V THE CERTIFICATES.........................................................28
Article VI THE COMPANY AND THE MASTER SERVICER......................................29
Article VII DEFAULT..................................................................30
Article VIII CONCERNING THE TRUSTEE...................................................31
Article IX TERMINATION..............................................................32
Article X REMIC PROVISIONS.........................................................33
Section 10.01.REMIC Administration. (See Section 10.01 of the Standard Terms).....33
Section 10.02.Master Servicer; REMIC Administrator and Trustee
Indemnification. (See Section 10.02 of the Standard Terms)............33
Section 10.03.Designation of REMIC.................................................33
Section 10.04.Compliance with Withholding Requirements.............................33
Article XI MISCELLANEOUS PROVISIONS.................................................34
Section 11.01.Amendment. (See Section 11.01 of the Standard Terms)................34
Section 11.02.Recordation of Agreement; Counterparts. (See Section 11.02
of the Standard Terms).................................................34
Section 11.03.Limitation on Rights of Certificateholders. (See Section 11.03
of the Standard Terms).................................................34
Section 11.04.Governing Laws. (See Section 11.04 of the Standard Terms)...........34
Section 11.05.Notices..............................................................34
Section 11.06.Required Notices to Rating Agency and Subservicer.
(See Section 11.06 of the Standard Terms)..............................35
Section 11.07.Severability of Provisions. (See Section 11.07 of the Standard
Terms).................................................................35
Section 11.08.Supplemental Provisions for Resecuritization.
(See Section 11.08 of the Standard Terms)..............................35
Section 11.09.Allocation of Voting Rights..........................................35
</TABLE>
<PAGE>
EXHIBITS
Exhibit One: Mortgage Loan Schedule
Exhibit Two: Schedule of Discount Fractions
Exhibit Three: Information to be Included in
Monthly Distribution Date Statement
Exhibit Four: Standard Terms of Pooling and Servicing
Agreement Dated as of December 1, 1999
Exhibit Five:.. Form of Class IO Certificate
<PAGE>
This is a Series Supplement, dated as of February 1, 2000 (the "Series
Supplement"), to the Standard Terms of Pooling and Servicing Agreement, dated as
of December 1, 1999 and attached as Exhibit Four hereto (the "Standard Terms"
and, together with this Series Supplement, the "Pooling and Servicing Agreement"
or "Agreement"), among RESIDENTIAL ACCREDIT LOANS, INC., as the company
(together with its permitted successors and assigns, the "Company"), RESIDENTIAL
FUNDING CORPORATION, as master servicer (together with its permitted successors
and assigns, the "Master Servicer"), and BANKERS TRUST COMPANY, as Trustee
(together with its permitted successors and assigns, the "Trustee").
PRELIMINARY STATEMENT:
The Company intends to sell mortgage asset-backed pass-through
certificates (collectively, the "Certificates"), to be issued hereunder in
multiple classes, which in the aggregate will evidence the entire beneficial
ownership interest in the Mortgage Loans. As provided herein, the REMIC
Administrator will make an election to treat the entire segregated pool of
assets described in the definition of Trust Fund, and subject to this Agreement
(including the Mortgage Loans but excluding the Initial Monthly Payment Fund),
as one or more real estate mortgage investment conduits (each, a "REMIC") for
federal income tax purposes.
The terms and provisions of the Standard Terms are hereby incorporated
by reference herein as though set forth in full herein. If any term or provision
contained herein shall conflict with or be inconsistent with any provision
contained in the Standard Terms, the terms and provisions of this Series
Supplement shall govern. All capitalized terms not otherwise defined herein
shall have the meanings set forth in the Standard Terms. The Pooling and
Servicing Agreement shall be dated as of the date of the Series Supplement.
<PAGE>
The following table sets forth the designation, type, Pass-Through Rate,
aggregate Initial Certificate Principal Balance, Maturity Date, initial ratings
and certain features for each Class of Certificates comprising the interests in
the Trust Fund created hereunder.
<TABLE>
<CAPTION>
Aggregate
Initial Standard &
Certificate Poor's/
Pass-Through Principal Maturity ------------ Minimum
Designation Rate Balance Features1 Date Fitch Denominations2
-
<S> <C> <C> <C> <C> <C> <C>
Class A-1 7.75% $15,000,000.00 Senior February 25, 2030 AAA/AAA $25,000.00
Class A-2 7.75% $83,021,000.00 Senior February 25, 2030 AAA/AAA $25,000.00
Class A-3 7.75% $25,652,000.00 Senior February 25, 2030 AAA/AAA $25,000.00
Class A-4 7.75% $17,862,000.00 Senior February 25, 2030 AAA/AAA $25,000.00
Class A-5 7.75% $17,150,000.00 Senior February 25, 2030 AAA/AAA $25,000.00
Class A-6 7.75% $20,000,000.00 Senior February 25, 2030 AAA/AAA $25,000.00
Class A-7 7.75% $21,888,000.00 Senior/Lockout February 25, 2030 AAA/AAA $25,000.00
Class A-P 0.00% $ Principal February 25, 2030 AAAr/AAA $25,000.00
250,505.68 Only/Senior
Class IO-A Variable $0.00 Variable February 25, 2030 AAAr/AAA 4
Rate3 Rate/Interest
Only/Senior
Class IO-B Variable $0.00 Variable February 25, 2030 AAAr/AAA 4
Rate3 Rate/Interest
Only/Senior
Class R-I 7.75% $100.00 Residual/SeniorFebruary 25, 2030 AAA/AAA 5
Class R-II 7.75% $100.00 Residual/SeniorFebruary 25, 2030 AAA/AAA 5
Class M-1 7.75% $ 9,850,100.00 Mezzanine February 25, 2030 NA/AA $25,000.00
Class M-2 7.75% $2,845,500.00 Mezzanine February 25, 2030 NA/A $250,000.00
Class M-3 7.75% $2,407,700.00 Mezzanine February 25, 2030 NA/BBB $250,000.00
Class B-1 7.75% $1,422,700.00 Subordinate February 25, 2030 NA/BB $250,000.00
Class B-2 7.75% $ 656,700.00 Subordinate February 25, 2030 NA/B $250,000.00
Class B-3 7.75% $ 875,528.01 Subordinate February 25, 2030 NA/NA $250,000.00
875,528.01
</TABLE>
The Mortgage Loans have an aggregate principal balance as of the Cut-off
Date of $218,881,933.69.
_______________________________________
1 The Certificates, other than the Class A-P, Class IO, Class B and Class R
Certificates shall be Book-Entry Certificates. The Class A-P, Class IO,
Class B and Class R Certificates shall be delivered to the holders thereof
in physical form.
2 The Certificates, other than the Class IO and Class R Certificates, shall
be issuable in minimum dollar denominations as indicated above (by
Certificate Principal Balance or Notional Amount, as applicable) and
integral multiples of $1 (or $1,000 in the case of the Class A-P, Class
B-1, Class B-2 and Class B-3 Certificates) in excess thereof, except that
one Certificate of any of the Class A-P and Class B-1, Class B-2 and Class
B-3 Certificates that contain an uneven multiple of $1,000 shall be issued
in a denomination equal to the sum of the related minimum denomination set
forth above and such uneven multiple for such Class or the sum of such
denomination and an integral multiple of $1,000.
3 With respect to the Class IO-A and Class IO-B Certificates and any
Distribution Date, a rate equal to the Weighted Average Adjusted Net
Mortgage Rate minus 7.75%. The initial Pass-Through Rate for the Class IO-A
and Class IO-B Certificates shall be equal to 0.7778%.
4 Each class of the Class IO Certificates shall be issuable in minimum
denominations of not less than a 20% Percentage Interest.
5 Each class of the Class R Certificates shall be issuable in minimum
denominations of not less than a 20% Percentage Interest; provided,
however, that one Class R Certificate will be issuable to Residential
Funding as "tax matters person" pursuant to Section 10.01(c) and (e) in a
minimum denomination representing a Percentage Interest of not less than
0.01%.
In consideration of the mutual agreements herein contained, the Company,
the Master Servicer and the Trustee agree as follows:
Article I......
<PAGE>
Article I
DEFINITIONS
Section 1.01...Definitions.
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Whenever used in this Agreement, the following words and phrases, unless
the context otherwise requires, shall have the meanings specified in this
Article.
Accretion Termination Date: 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)
$157,492 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.
<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 IO, Class M, Class B or Class R
Certificate.
Certificate Account: The separate account or accounts created and
maintained pursuant to Section 4.01 of the Standard Terms, which shall be
entitled "Bankers Trust Company, as trustee, in trust for the registered holders
of Residential Accredit Loans, Inc., Mortgage Asset-Backed Pass-Through
Certificates, Series 2000-QS2" 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-6, Class A-7 or Class A-P Certificates, executed
by the Trustee and authenticated by the Certificate Registrar substantially in
the form annexed to the Standard Terms as Exhibit A.
Class IO Certificate: Any one of the Class IO-A or Class IO-B
Certificates, executed by the Trustee and authenticated by the Certificate
Registrar substantially in the form annexed as Exhibit Five hereto. The Class
IO-A Certificates and Class IO-B Certificates will be separate Classes of
Certificates for purposes of this Agreement.
Class IO-A Notional Principal Distribution Amount: With respect to each
Distribution Date, an amount equal to the sum of (A) the lesser of (i) the
amount to be distributed on such Distribution Date as principal pursuant to
Section 4.02 on all Classes of Certificates other than the Class R-I and Class
A-P Certificates and (ii) the pro-rata share attributable to the Class IO-A
Certificates of the Principal Amortization Model Principal Payment Amount for
such Distribution Date, based on its Notional Amount relative to the Notional
Amount of the Class IO Certificates and (B) the excess, if any, of the Class
IO-B Notional Principal Distribution Amount (determined without reference to the
proviso at the end of the definition thereof) over the amount required to reduce
the Class IO-B Notional Balance to zero.
Class IO-B Notional Principal Distribution Amount: With respect to each
Distribution Date, an amount equal to the greater of (A) zero and (B) the amount
to be distributed on such Distribution Date as principal pursuant to Section
4.02 on all Classes of Certificates other than the Class R-I and Class A-P
Certificates reduced by the Class IO-A Notional Principal Distribution Amount
for such Distribution Date (determined without regard to clause (B) thereof),
provided that, if Class IO-B Notional Principal Distribution Amount as defined
without reference to this proviso would reduce the Class IO-B Notional Balance
below zero, the Class IO-B Notional Principal Distribution Amount shall be
reduced to such amount as will reduce the Class IO-B Notional Balance to zero.
Class R Certificate: Any one of the Class R-I Certificates and Class R-II
Certificates.
<PAGE>
Class R-I Certificate: Any one of the 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: February 29, 2000.
------------
Corporate Trust Office: The principal office of the Trustee at which at any
particular time its corporate trust business with respect to this Agreement
shall be administered, which office at the date of the execution of this
instrument is located at 1761 East St. Andrew Place, Santa Ana, California
92705-4934, Attention: Residential Funding Corporation Series 2000-QS2.
Cut-off Date: February 1, 2000.
Discount Net Mortgage Rate: 7.75% per annum.
Due Period: With respect to each Distribution Date and any Mortgage
Loan, the period commencing on the second day of the month prior to the month in
which such Distribution Date occurs and ending on the first day of the month in
which such Distribution Date occurs.
Eligible Funds: On any Distribution Date, the portion, if any, of the
Available Distribution Amount remaining after reduction by the sum of (i) the
aggregate amount of Accrued Certificate Interest on the Senior Certificates,
(ii) the Senior Principal Distribution Amount (determined without regard to
Section 4.02(a)(ii)(Y)(D) hereof), (iii) the Class A-P Principal Distribution
Amount (determined without regard to Section 4.02(b)(i)(E) hereof) and (iv) the
aggregate amount of Accrued Certificate Interest on the Class M, Class B-1 and
Class B-2 Certificates.
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.
<PAGE>
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: $26,678, representing scheduled principal
amortization and interest at the Net Mortgage Rate during the Due Period ending
on February 1, 2000, for those Mortgage Loans for which the Trustee will not be
entitled to receive such payment.
Initial Notional Amount: With respect to the Class IO-A Certificates,
the aggregate Closing Date Uncertificated Principal Balance of Uncertificated
REMIC I Regular Interest X. With respect to the IO-B Certificates, the aggregate
Closing Date Uncertificated Principal Balance of Uncertificated REMIC I Regular
Interest Y.
Initial Subordinate Class Percentage: With respect to each Class of
Subordinate Certificates, an amount which is equal to the initial aggregate
Certificate Principal Balance of the such Class of Subordinate Certificates
divided by the aggregate Stated Principal Balance of all the Mortgage Loans as
of the Cut-off Date as follows:
Class M-1: 4.50% Class B-1: 0.65%
Class M-2: 1.30% Class B-2: 0.30%
Class M-3: 1.10% Class B-3: 0.40%
Interest Accrual Period: With respect to any Certificates and any
Distribution Date, the calendar month preceding the month in which such
Distribution Date occurs.
Interest Only Certificates: Any one of the Class IO Certificates. The
Interest Only Certificates will have no Certificate Principal Balance.
Lockout Percentage: For any Distribution Date occurring prior to the
Distribution Date in March 2005 will be 0%, and for any Distribution Date
thereafter will be as follows: 30% for any Distribution Date on or after March
2005 and prior to March 2006; 40% for any Distribution Date on or after March
2006 and prior to March 2007; 60% for any Distribution Date on or after March
2007 and prior to March 2008; 80% for any Distribution Date on or after March
2008 and prior to March 2009; and 100% for any Distribution Date thereafter.
Maturity Date: February 25, 2030, the Distribution Date immediately
following the latest scheduled maturity date of any Mortgage Loan.
Mortgage Loan Schedule: The list or lists of the Mortgage Loans attached
hereto as Exhibit One (as amended from time to time to reflect the addition of
Qualified Substitute Mortgage Loans), which list or lists shall set forth the
following information as to each Mortgage Loan:
<PAGE>
(i) the Mortgage Loan identifying number ("RFC LOAN #");
(ii) the street address of the Mortgaged Property (or, with respect
to a Cooperative Loan, the related Cooperative Apartment)
including state and zip code ("ADDRESS");
(iii) the maturity of the Mortgage Note ("MATURITY DATE");
(iv) the Mortgage Rate ("ORIG RATE");
(v) the Subservicer pass-through rate ("CURR NET");
(vi) the Net Mortgage Rate ("NET MTG RT");
(vii) the Pool Strip Rate ("STRIP");
(viii) the initial scheduled monthly payment of principal, if any, and interest
("ORIGINAL P & I");
(ix) the Cut-off Date Principal Balance ("PRINCIPAL BAL");
(x) the Loan-to-Value Ratio at origination ("LTV");
(xi) the rate at which the Subservicing Fee accrues ("SUBSERV FEE") and at which
the Servicing Fee accrues ("MSTR SERV FEE");
(xii)a code "T," "BT" or "CT" under the column "LN FEATURE," indicating that
the Mortgage Loan is secured by a second or vacation residence; and
(xiii) a code "N" under the column "OCCP CODE," indicating that the Mortgage
Loan is secured by a non-owner occupied residence.
Such schedule may consist of multiple reports that collectively set forth all of
the information required.
Notional Amount: As of any Distribution Date, with respect to the Class
IO-A Certificates, the aggregate Uncertificated Principal Balance of
Uncertificated REMIC I Regular Interest X immediately prior to such date. As of
any Distribution Date, with respect to the Class IO-B Certificates, the
aggregate Uncertificated Principal Balance of Uncertificated REMIC I Regular
Interest Y immediately prior to such date.
Pass-Through Rate: With respect to the Class A Certificates (other than
the Class A-P Certificates), Class R Certificates, Class M Certificates and
Class B Certificates and any Distribution Date, the per annum rates set forth in
the Preliminary Statement hereto. For the Class IO-A Certificates and the Class
IO-B Certificates and any Distribution Date, a rate equal to the Weighted
Average Adjusted Net Mortgage Rate minus 7.75%.
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
<PAGE>
balance of the related Mortgage Loans in the first month of the life of such
Mortgage Loans and an additional 1.090909% per annum in each month thereafter
until the twelfth month, and beginning in the twelfth month and in each month
thereafter during the life of the Mortgage Loans, a constant prepayment rate of
16.0% per annum.
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 March
2005 (unless the Certificate Principal Balances of the Senior
Certificates (other than the Class A-P Certificates), have been
reduced to zero), 0%.
(ii) For any Distribution Date for which clause (i) above does not
apply, and on which any Class of Subordinate Certificates are
outstanding:
(a) in the case of the Class of Subordinate Certificates
then outstanding with the Highest Priority and each other Class
of Subordinate Certificates for which the related Prepayment
Distribution Trigger has been satisfied, a fraction, expressed as
a percentage, the numerator of which is the Certificate Principal
Balance of such Class immediately prior to such date and the
denominator of which is the sum of the Certificate Principal
Balances immediately prior to such date of (1) the Class of
Subordinate Certificates then outstanding with the Highest
Priority and (2) all other Classes of Subordinate Certificates
for which the respective Prepayment Distribution Triggers have
been satisfied; and
(b) in the case of each other Class of Subordinate
Certificates for which the Prepayment Distribution Triggers have
not been satisfied, 0%; and
(iii)Notwithstanding the foregoing, if the application of the foregoing
percentages on any Distribution Date as provided in Section 4.02 of
this Series Supplement (determined without regard to the proviso to
the definition of "Subordinate Principal Distribution Amount") would
result in a distribution in respect of principal of any Class or
Classes of Subordinate Certificates in an amount greater than the
remaining Certificate Principal Balance thereof (any such class, a
"Maturing Class"), then: (a) the Prepayment Distribution Percentage of
each Maturing Class shall be reduced to a level that, when applied as
described above, would exactly reduce the Certificate Principal
Balance of such Class to zero; (b) the Prepayment Distribution
Percentage of each other Class of Subordinate Certificates (any such
Class, a "Non-Maturing Class") shall be recalculated in accordance
with the provisions in paragraph (ii) above, as if the Certificate
Principal Balance of each Maturing Class had been reduced to zero
(such percentage as recalculated, the "Recalculated Percentage"); (c)
the total amount of the reductions in the Prepayment Distribution
Percentages of the Maturing Class or Classes pursuant to clause (a) of
this sentence, expressed as an aggregate percentage, shall be
allocated among the Non-Maturing Classes in proportion to their
<PAGE>
respective Recalculated Percentages (the portion of such aggregate
reduction so allocated to any Non-Maturing Class, the "Adjustment
Percentage"); and (d) for purposes of such Distribution Date, the
Prepayment Distribution Percentage of each Non-Maturing Class shall be
equal to the sum of (1) the Prepayment Distribution Percentage
thereof, calculated in accordance with the provisions in paragraph
(ii) above as if the Certificate Principal Balance of each Maturing
Class had not been reduced to zero, plus (2) the related Adjustment
Percentage.
Principal Amortization Model: The principal amortization model for
Residential Accredit Loans, Inc., Mortgage Asset-Backed Pass-Through
Certificates, Series 2000-QS2, designated by the Master Servicer on the Closing
Date or if such principal amortization model is no longer available the
replacement prepayment model adopted by the Master Servicer pursuant to the
provisions hereof.
Principal Amortization Model Principal Payment Amount: For any
Distribution Date, the amount determined by the Principal Amortization Model as
the amount of payments of principal with respect to the Mortgage Loans that are
predicted to be received for distribution on such Distribution Date.
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.
<PAGE>
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.
REMIC II Certificates: Any Class of Certificates (other than the Class R-I
Certificates).
Senior Certificate: Any one of the Class A, Class IO 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 with respect to the Class A Certificates or Class R Certificates
and annexed as Exhibit Five hereto with respect to the Class IO Certificates.
Senior Percentage: As of any Distribution Date, the lesser of 100% and a
fraction, expressed as a percentage, the numerator of which is the aggregate
Certificate Principal Balance of the Senior Certificates (other than the Class
A-P Certificates) immediately prior to such Distribution Date and the
denominator of which is the aggregate Stated Principal Balance of all of the
Mortgage Loans (or related REO Properties) (other than the related Discount
Fraction of each Discount Mortgage Loan) immediately prior to such Distribution
Date.
Senior Principal Distribution Amount: As to any Distribution Date, the
lesser of (a) the balance of the Available Distribution Amount remaining after
the distribution of all amounts required to be distributed pursuant to Section
4.02(a)(i) and Section 4.02(a)(ii)(X), or, after the Credit Support Depletion
Date, the amount required to be distributed to the Class A-P Certificateholders
pursuant to Section 4.02(c) of this Series Supplement, and (b) the sum of the
amounts required to be distributed to the Senior Certificateholders on such
Distribution Date pursuant to Sections 4.02(a)(ii)(Y), 4.02(a)(xvi) and
4.02(a)(xvii) of this Series Supplement.
Special Hazard Amount: As of any Distribution Date, an amount equal to
$2,188,819 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
<PAGE>
(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
21.42% (which percentage is equal to the percentage of Mortgage Loans by
aggregate principal balance initially secured by Mortgaged Properties located in
the State of California) and (ii) the aggregate outstanding principal balance
(as of the immediately preceding Distribution Date) of the largest Mortgage Loan
secured by a Mortgaged Property (or, with respect to a Cooperative Loan, the
related Cooperative Apartment) located in the State of California.
The Special Hazard Amount may be further reduced by the Master Servicer
(including accelerating the manner in which coverage is reduced) provided that
prior to any such reduction, the Master Servicer shall (i) obtain written
confirmation from each Rating Agency that such reduction shall not reduce the
rating assigned to any Class of Certificates by such Rating Agency below the
lower of the then-current rating or the rating assigned to such Certificates as
of the Closing Date by such Rating Agency and (ii) provide a copy of such
written confirmation to the Trustee.
Subordinate Principal Distribution Amount: With respect to any
Distribution Date and each Class of Subordinate Certificates, (a) the sum of (i)
the product of (x) the related Subordinate Class Percentage for such Class and
(y) the aggregate of the amounts calculated (without giving effect to the
related Senior Percentages) for such Distribution Date under clauses (1), (2)
and (3) of Section 4.02(a)(ii)(Y)(A); (ii) such Class's pro rata share, based on
the Certificate Principal Balance of each Class of Subordinate Certificates then
outstanding, of the principal collections described in Section
4.02(a)(ii)(Y)(B)(b) (without giving effect to the Senior Accelerated
Distribution Percentage) to the extent such collections are not otherwise
distributed to the Senior Certificates; (iii) the product of (x) the related
Prepayment Distribution Percentage and (y) the aggregate of all Principal
Prepayments in Full and Curtailments received in the related Prepayment Period
(other than the related Discount Fraction of such Principal Prepayments in Full
and Curtailments with respect to a Discount Mortgage Loan) to the extent not
payable to the Senior Certificates; (iv) if such Class is the Class of
Subordinate Certificates with the Highest Priority, any Excess Subordinate
Principal Amount for such Distribution Date; and (v) any amounts described in
clauses (i), (ii) and (iii) as determined for any previous Distribution Date,
that remain undistributed to the extent that such amounts are not attributable
to Realized Losses which have been allocated to a Class of Subordinate
Certificates minus (b) with respect to the Class of Subordinate Certificates
with the Lowest Priority, any Excess Subordinate Principal Amount for such
Distribution Date; provided, however, that the Subordinate Principal
Distribution Amount for any Class of Subordinate Certificates on any
Distribution Date shall in no event exceed the outstanding Certificate Principal
Balance of such Class of Certificates immediately prior to such date.
Uncertificated Accrued Interest: With respect to each Distribution Date,
as to each Uncertificated REMIC I Regular Interest, an amount equal to such
Interest's pro-rata share of the aggregate amount of Accrued Certificate
Interest that would result under the terms of the definition thereof on the
Related Classes of Certificates other than the related Class IO Certificates if
the Pass-Through Rate on such Classes were equal to the Uncertificated
Pass-Through Rate on such Uncertificated REMIC I Regular Interest, reduced by
any prepayment interest shortfalls or other reductions of interest allocable to
the related Classes of Certificates.
<PAGE>
Uncertificated Pass-Through Rate: With respect to each of the
Uncertificated REMIC I Regular Interests the per annum rate specified in the
definition of Uncertificated REMIC I Regular Interest.
Uncertificated Principal Balance: With respect to each Uncertificated REMIC
I Regular Interest, as defined in the definition of Uncertificated REMIC Regular
Interest.
Uncertificated REMIC I Regular Interests: 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 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 10.04(a) 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
10.04(d).
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
10.04(a).
<TABLE>
<CAPTION>
- ----------------------- --------------------------------- ------------------- -------------------
Uncertificated REMIC Related Classes of Certificates Pass-Through Rate Initial Principal
I Regular Interest Balance
- ----------------------- --------------------------------- ------------------- -------------------
- ----------------------- --------------------------------- ------------------- -------------------
<S> <C> <C>
W Class A-P 0.00% $250,505.68
- ----------------------- --------------------------------- ------------------- -------------------
- ----------------------- --------------------------------- ------------------- -------------------
X Class IO-A, Class A-1, Class Weighted Average $207,699,761.61
A-2, Class A-3, Class A-4, Adjusted Net
Class A-5, Class A-6, Class Mortgage Rate
A-7, Class M-1, Class M-2,
Class M-3, Class B-1, Class
B-2, Class B-3, Class R-II
- ----------------------- --------------------------------- ------------------- -------------------
- ----------------------- --------------------------------- ------------------- -------------------
Y Class IO-B, Class A-1, Class Weighted Average $10,931,566.40
A-2, Class A-3, Class A-4, Adjusted Net
Class A-5, Class A-6, Class Mortgage Rate
A-7, Class M-1, Class M-2,
Class M-3, Class B-1, Class
B-2, Class B-3, Class R-II
- ----------------------- --------------------------------- ------------------- -------------------
</TABLE>
<PAGE>
Uncertificated REMIC I Regular Interest Distribution Amounts: With
respect to each Uncertificated REMIC I Regular Interest the amount specified as
the Uncertificated REMIC I Regular Interest Distribution Amount with respect
thereto in the definition of Uncertificated REMIC I Regular Interest.
Weighted Average Adjusted Net Mortgage Rate: The weighted average,
expressed as a percentage, of the Net Mortgage 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), adjusted by including loans
a portion of whose principal is allocated to the Uncertificated REMIC I Regular
Interest W on the following basis: Such loans shall be included using a
weighting equal to their principal balance reduced by the portion thereof
allocated to the Uncertificated REMIC I Regular Interest W and using a rate
equal to the rate which when applied to the principal balance as so reduced
produces an accrual of interest on such principal balance equal to the amount of
interest that accrues on the unreduced principal balance of such loan at the Net
Mortgage Rate for such Mortgage Loan.
Section 1.02...Use of Words and Phrases.
"Herein," "hereby," "hereunder," "hereof," "hereinbefore," "hereinafter"
and other equivalent words refer to the Pooling and Servicing Agreement as a
whole. All references herein to Articles, Sections or Subsections shall mean the
corresponding Articles, Sections and Subsections in the Pooling and Servicing
Agreement. The definitions set forth herein include both the singular and the
plural.
<PAGE>
Article II
CONVEYANCE OF MORTGAGE LOANS;
ORIGINAL ISSUANCE OF CERTIFICATES
Section 2.01...Conveyance of Mortgage Loans. (See Section 2.01 of the Standard
Terms)
Section 2.02. Acceptance by Trustee. (See Section 2.02 of the Standard Terms)
----------------------------------------------------------------
Section 2.03. Representations, Warranties and Covenants of the Master Servicer
and the Company.
(a) For representations, warranties and covenants of the Master Servicer,
see Section 2.03(a) of the Standard Terms.
(b) The Company hereby represents and warrants to the Trustee for the
benefit of Certificateholders that as of the Closing Date (or, if otherwise
specified below, as of the date so specified):
(i) No Mortgage Loan is 30 or more days Delinquent in payment of principal
and interest as of the Cut-off Date and no Mortgage Loan has been so
Delinquent more than once in the 12-month period prior to the Cut-off
Date;
(ii) The information set forth in Exhibit One hereto with respect to each
Mortgage Loan or the Mortgage Loans, as the case may be, is true and
correct in all material respects at the date or dates respecting which
such information is furnished;
(iii) The Mortgage Loans are fully-amortizing, fixed-rate mortgage loans with
level Monthly Payments due on the first day of each month and terms to
maturity at origination or modification of not more than 30 years;
(iv) To the best of the Company's knowledge, if a Mortgage Loan is secured by
a Mortgaged Property with a Loan-to-Value Ratio at origination in excess
of 80%, such Mortgage Loan is the subject of a Primary Insurance Policy
that insures that portion of the principal balance thereof that
generally exceeds the amount equal to 75% of the Appraised Value of the
related Mortgaged Property. To the best of the Company's knowledge, each
such Primary Insurance Policy is in full force and effect and the
Trustee is entitled to the benefits thereunder;
(v) The issuers of the Primary Insurance Policies are insurance companies whose
claims-paying abilities are currently acceptable to each Rating Agency;
(vi) No more than 0.4% of the Mortgage Loans by aggregate Stated Principal
Balance as of the Cut-off Date are secured by Mortgaged Properties
located in any one zip code area in California and no more than 0.5% of
the Mortgage Loans by aggregate Stated Principal Balance as of the
Cut-off Date are secured by Mortgaged Properties located in any one zip
code area outside California;
<PAGE>
(vii) If the improvements securing a Mortgage Loan are in a federally
designated special flood hazard area, flood insurance in the amount
required under the Program Guide covers the related Mortgaged Property
(either by coverage under the federal flood insurance program or by
coverage by private insurers);
(viii) Immediately prior to the assignment of the Mortgage Loans to the
Trustee, the Company had good title to, and was the sole owner of, each
Mortgage Loan free and clear of any pledge, lien, encumbrance or
security interest (other than rights to servicing and related
compensation) and such assignment validly transfers ownership of the
Mortgage Loans to the Trustee free and clear of any pledge, lien,
encumbrance or security interest;
(ix) Approximately 41.97% of the Mortgage Loans by aggregate Stated Principal
Balance as of the Cut-off Date were underwritten under a reduced loan
documentation program, approximately 11.14% of the Mortgage Loans by
aggregate Stated Principal Balance as of the Cut-off Date were
underwritten under a no-stated income program, and approximately 1.11%
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 32.20% 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) No more than 0.16% of the Mortgage Loans by aggregate Stated Principal
Balance 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 property at the
time of origination of the refinanced Mortgage Loan or (b) the
Loan-to-Value Ratio of the Mortgage Loan as of the date of origination of
the Mortgage Loan generally meets the Company's underwriting guidelines;
<PAGE>
(xvi)Interest on each Mortgage Loan is calculated on the basis of a 360-day
year consisting of twelve 30-day months;
(xvii) None of the Mortgage Loans contains in the related Mortgage File a
Destroyed Mortgage Note;
(xviii) Not more than 0.38% of the Mortgage Loans by aggregate Stated Principal
Balance as of the Cut-off Date will have been made to International
Borrowers, and no such Mortgagor is a member of a foreign diplomatic
mission with diplomatic rank;
(xix) No Mortgage Loan provides for payments that are subject to reduction by
withholding taxes levied by any foreign (non-United States) sovereign
government; and
(xx) None of the Mortgage Loans are Additional Collateral Loans and none of the
Mortgage Loans are Pledged Asset Loans.
It is understood and agreed that the representations and warranties set forth in
this Section 2.03(b) shall survive delivery of the respective Mortgage Files to
the Trustee or any Custodian.
Upon discovery by any of the Company, the Master Servicer, the Trustee
or any Custodian of a breach of any of the representations and warranties set
forth in this Section 2.03(b) that materially and adversely affects the
interests of the Certificateholders in any Mortgage Loan, the party discovering
such breach shall give prompt written notice to the other parties (any Custodian
being so obligated under a Custodial Agreement); provided, however, that in the
event of a breach of the representation and warranty set forth in Section
2.03(b)(xii), the party discovering such breach shall give such notice within
five days of discovery. Within 90 days of its discovery or its receipt of notice
of breach, the Company shall either (i) cure such breach in all material
respects or (ii) purchase such Mortgage Loan from the Trust Fund at the Purchase
Price and in the manner set forth in Section 2.02; provided that the Company
shall have the option to substitute a Qualified Substitute Mortgage Loan or
Loans for such Mortgage Loan if such substitution occurs within two years
following the Closing Date; provided that if the omission or defect would cause
the Mortgage Loan to be other than a "qualified mortgage" as defined in Section
860G(a)(3) of the Code, any such cure or repurchase must occur within 90 days
from the date such breach was discovered. Any such substitution shall be
effected by the Company under the same terms and conditions as provided in
Section 2.04 for substitutions by Residential Funding. It is understood and
agreed that the obligation of the Company to cure such breach or to so purchase
or substitute for any Mortgage Loan as to which such a breach has occurred and
is continuing shall constitute the sole remedy respecting such breach available
to the Certificateholders or the Trustee on behalf of the Certificateholders.
Notwithstanding the foregoing, the Company shall not be required to cure
breaches or purchase or substitute for Mortgage Loans as provided in this
Section 2.03(b) if the substance of the breach of a representation set forth
above also constitutes fraud in the origination of the Mortgage Loan.
<PAGE>
Section 2.04. Representations and Warranties of Sellers. (See Section 2.04
of the Standard Terms)
Section 2.05. Execution and Authentication of Certificates.
The Trustee acknowledges the assignment to it of the Mortgage Loans and
the delivery of the Mortgage Files to it, or any Custodian on its behalf,
subject to any exceptions noted, together with the assignment to it of all other
assets included in the Trust Fund and/or the applicable REMIC, receipt of which
is hereby acknowledged. Concurrently with such delivery and in exchange
therefor, the Trustee, pursuant to the written request of the Company executed
by an officer of the Company, has executed and caused to be authenticated and
delivered to or upon the order of the Company the Certificates in authorized
denominations that evidence ownership of the entire Trust Fund.
<PAGE>
Article III
ADMINISTRATION AND SERVICING
OF MORTGAGE LOANS
(See Article III of the Standard Terms)
<PAGE>
Article IV
PAYMENTS TO CERTIFICATEHOLDERS
Section 4.01. Certificate Account. (See Section 4.01 of the Standard Terms)
--------------------------------------------------------------
Section 4.02. Distributions.
-------------
(a) On each Distribution Date (x) the Master Servicer on behalf of the Trustee
or (y) the Paying Agent appointed by the Trustee, shall distribute to the Master
Servicer, in the case of a distribution pursuant to Section 4.02(a)(iii) below,
the amount required to be distributed to the Master Servicer or a Sub-Servicer
pursuant to Section 4.02(a)(iii) below, and to each Certificateholder of record
on the next preceding Record Date (other than as provided in Section 9.01
respecting the final distribution) either in immediately available funds (by
wire transfer or otherwise) to the account of such Certificateholder at a bank
or other entity having appropriate facilities therefor, if such
Certificateholder has so notified the Master Servicer or the Paying Agent, as
the case may be, or, if such Certificateholder has not so notified the Master
Servicer or the Paying Agent by the Record Date, by check mailed to such
Certificateholder at the address of such Holder appearing in the Certificate
Register such Certificateholder's share (which share with respect to each Class
of Certificates shall be based on the aggregate of the Percentage Interests
represented by Certificates of the applicable Class held by such Holder) 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 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 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;
<PAGE>
(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);
(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);
<PAGE>
(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;
(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;
<PAGE>
(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;
<PAGE>
(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) 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);
<PAGE>
(C) in connection with the Cash Liquidation or REO Disposition of a Discount
Mortgage Loan that did not result in any Excess Special Hazard Losses,
Excess Fraud Losses, Excess Bankruptcy Losses or Extraordinary Losses, an
amount equal to the lesser of (1) the applicable Discount Fraction of the
Stated Principal Balance of such Discount Mortgage Loan immediately prior
to such Distribution Date and (2) the aggregate amount of the collections
on such Mortgage Loan to the extent applied as recoveries of principal;
(D) any amounts allocable to principal for any previous Distribution Date
(calculated pursuant to clauses (A) through (C) above) that remain
undistributed; and
(E) the amount of any Class A-P Collection Shortfalls for
such Distribution Date and the amount of any Class A-P Collection
Shortfalls remaining unpaid for all previous Distribution Dates,
but only to the extent of the Eligible Funds for such
Distribution Date;
(ii) the Senior Principal Distribution Amount shall be distributed as follows:
(A) first, to the Class A-7 Certificates in reduction of the
Certificate Principal Balance thereof, an amount equal to the
Lockout Percentage of the Class A-7 Certificates' pro rata share
(based on the Certificate Principal Balance thereof relative to
the Certificate Principal Balance of all of the Certificates
(other than the Class A-P Certificates)) of the aggregate of the
collections described in Sections 4.02(a)(ii)(Y)(A), (B), (C) and
(E). without any application of the Senior Percentage or 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-7 Certificates pursuant to this clause (ii)(A) shall be
reduced by an amount equal to the Class A-7 Certificates' pro
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 distribution, 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;
<PAGE>
(2) second, concurrently, until the Class A-1
Certificates have been reduced to zero:
(a) 21.576214477% to the Class A-1 Certificates; and
(b) 78.423785523% to the Class A-2 Certificates;
(3) third, concurrently, 52.629635113% to the Class A-2
Certificates and 47.370364887% to the Class A-3
Certificates, until their respective Certificates
Principal Balances have been reduced to zero;
(4) fourth, sequentially, to the Class A-4, Class A-5
and Class A-6 Certificates, in that order, in each
case until the Certificate Principal Balances
thereof have been reduced to zero; and
(5) fifth, to the Class A-7 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 IO and Subordinate Certificates, in each case as described
herein.
(e) In addition to the foregoing distributions, with respect to any Mortgage
Loan that was previously the subject of a Cash Liquidation or an REO Disposition
that resulted in a Realized Loss, in the event that within two years of the date
on which such Realized Loss was determined to have occurred the Master Servicer
receives amounts, which the Master Servicer reasonably believes to represent
subsequent recoveries (net of any related liquidation expenses), or determines
that it holds surplus amounts previously reserved to cover estimated expenses,
specifically related to such Mortgage Loan (including, but not limited to,
recoveries in respect of the representations and warranties made by the related
Seller pursuant to the applicable Seller's Agreement), the Master Servicer shall
distribute such amounts to the applicable Certificateholders of the Class or
Classes to which such Realized Loss was allocated (with the amounts to be
distributed allocated among such Classes in the same proportions as such
Realized Loss was allocated), and within each such Class to the
Certificateholders of record as of the Record Date immediately preceding the
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
<PAGE>
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, on a pro rata basis based
on the Percentage Interest represented by each Certificate of such Class as of
such Record Date. Any amounts to be so distributed shall not be remitted to or
distributed from the Trust Fund, and shall constitute subsequent recoveries with
respect to Mortgage Loans that are no longer assets of the Trust Fund.
(f) Each distribution with respect to a Book-Entry Certificate shall be paid to
the Depository, as Holder thereof, and the Depository shall be solely
responsible for crediting the amount of such distribution to the accounts of its
Depository Participants in accordance with its normal procedures. Each
Depository Participant shall be responsible for disbursing such distribution to
the Certificate Owners that it represents and to each indirect participating
brokerage firm (a "brokerage firm") for which it acts as agent. Each brokerage
firm shall be responsible for disbursing funds to the Certificate Owners that it
represents. None of the Trustee, the Certificate Registrar, the Company or the
Master Servicer shall have any responsibility therefor.
(g) Except as otherwise provided in Section 9.01, if the Master Servicer
anticipates that a final distribution with respect to any Class of Certificates
will be made on the next Distribution Date, the Master Servicer shall, no later
than the Determination Date in the month of such final distribution, notify the
Trustee and the Trustee shall, no later than two (2) Business Days after such
Determination Date, mail on such date to each Holder of such Class of
Certificates a notice to the effect that: (i) the Trustee anticipates that the
final distribution with respect to such Class of Certificates will be made on
such Distribution Date but only upon presentation and surrender of such
Certificates at the office of the Trustee or as otherwise specified therein, and
(ii) no interest shall accrue on such Certificates from and after the end of the
related Interest Accrual Period. In the event that Certificateholders required
to surrender their Certificates pursuant to Section 9.01(c) do not surrender
their Certificates for final cancellation, the Trustee shall cause funds
distributable with respect to such Certificates to be withdrawn from the
Certificate Account and credited to a separate escrow account for the benefit of
such Certificateholders as provided in Section 9.01(d).
<PAGE>
Section 4.03. Statements to Certificateholders. (See Section 4.03 of the
Standard Terms and Exhibit Three attached hereto)
Section 4.04. Distribution of Reports to the Trustee and the Company; Advances
by the Master Servicer. (See Section 4.04 of the Standard Terms)
Section 4.05. Allocation of Realized Losses.
Prior to each Distribution Date, the Master Servicer shall determine the
total amount of Realized Losses, if any, that resulted from any Cash
Liquidation, Servicing Modification, Debt Service Reduction, Deficient Valuation
or REO Disposition that occurred during the related Prepayment Period or, in the
case of a Servicing Modification that constitutes a reduction of the interest
rate on a Mortgage Loan, the amount of the reduction in the interest portion of
the Monthly Payment due during the related Due Period. The amount of each
Realized Loss shall be evidenced by an Officers' Certificate. All Realized
Losses, other than Excess Special Hazard Losses, Extraordinary Losses, Excess
Bankruptcy Losses or Excess Fraud Losses, shall be allocated as follows: first,
to the Class B-3 Certificates until the Certificate Principal Balance thereof
has been reduced to zero; second, to the Class B-2 Certificates until the
Certificate Principal Balance thereof has been reduced to zero; third, to the
Class B-1 Certificates until the Certificate Principal Balance thereof has been
reduced to zero; fourth, to the Class M-3 Certificates until the Certificate
Principal Balance thereof has been reduced to zero; fifth, to the Class M-2
Certificates until the Certificate Principal Balance thereof has been reduced to
zero; sixth, to the Class M-1 Certificates until the Certificate Principal
Balance thereof has been reduced to zero; and, thereafter, if any such Realized
Losses are on a Discount Mortgage Loan, to the Class A-P Certificates in an
amount equal to the Discount Fraction of the principal portion thereof, and the
remainder of such Realized Losses on the Discount Mortgage Loans and the entire
amount of such Realized Losses on Non-Discount Mortgage Loans will be allocated
among all Senior Certificates (other than the Class A-P Certificates) on a pro
rata basis, as described below. The principal portion of any Excess Special
Hazard Losses, Excess Bankruptcy Losses, Excess Fraud Losses and Extraordinary
Losses on Discount Mortgage Loans will be allocated to the Class A-P
Certificates in an amount equal to the Discount Fraction thereof and the
remainder of the principal portion of such Realized Losses on Discount Mortgage
Loans and the entire amount of such Realized Losses on Non-Discount Mortgage
Loans will be allocated among the Senior Certificates (other than the Class A-P
Certificates) and Subordinate Certificates, on a pro rata basis, as described
below. The interest portion of any Excess Special Hazard Losses, Excess
Bankruptcy Losses, Excess Fraud Losses and Extraordinary Losses will be
allocated to all the Certificates on a pro rata basis.
As used herein, an allocation of a Realized Loss on a "pro rata basis"
among two or more specified Classes of Certificates means an allocation on a pro
rata basis, among the various Classes so specified, to each such Class of
Certificates on the basis of their then outstanding Certificate Principal
Balances prior to giving effect to distributions to be made on such Distribution
Date in the case of the principal portion of a Realized Loss or based on the
Accrued Certificate Interest thereon payable on such Distribution Date (without
regard to any Compensating Interest for such Distribution Date) in the case of
an interest portion of a Realized Loss. Except as provided in the following
sentence, any allocation of the principal portion of Realized Losses (other than
Debt Service Reductions) to a Class of Certificates shall be made by reducing
the Certificate Principal Balance thereof by the amount so allocated, which
allocation shall be deemed to have occurred on such Distribution Date. Any
allocation of the principal portion of Realized Losses (other than Debt Service
Reductions) to the Subordinate Certificates then outstanding with the Lowest
<PAGE>
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.
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") for federal income tax purposes and
will make an election to treat the segregated pool of assets consisting of
Uncertificated REMIC I Regular Interests 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-6,
Class A-7, Class A-P, Class IO-A, Class IO-B, Class M-1, Class M-2, Class M-3,
Class B-1, Class B-2 and Class B-3 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.
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).
<PAGE>
(b) The amount described in Section 10.04(a)(ii) shall be deemed distributed to
(i) Uncertificated REMIC I Regular Interest W in an amount equal to the amount
distributable to the Class A-P Certificates pursuant to Section 4.02, (ii)
Uncertificated REMIC I Regular Interest X in an amount equal to the Class IO-A
Notional Principal Distribution Amount, and (iii) Uncertificated REMIC I Regular
Interest Y in an amount equal to the Class IO-B Notional Principal Distribution
Amount 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:
(i) Realized Losses allocated to the Class A-P Certificates under Section 4.05
shall be deemed allocated to Uncertificated REMIC I Regular Interest W; and
(ii) Realized Losses allocated to the Class A-1, Class A-2, Class A-3, Class
A-4, Class A-5, Class A-6, Class A-7, Class M-1, Class M-2, Class M-3,
Class B-1, Class B-2, Class B-3 and Class R-II Certificates under Section
4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest X
and Uncertificated REMIC I Regular Interest Y pro-rata according to their
respective Uncertificated Principal Balances.
(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.
(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:
<TABLE>
<CAPTION>
- ---------------------------------- --------------------------------------------------------------
Recipient Address
- ---------------------------------- --------------------------------------------------------------
- ---------------------------------- --------------------------------------------------------------
<S> <C>
Company 8400 Normandale Lake Boulevard
Suite 600, Minneapolis, Minnesota 55437,
Attention: President
- ---------------------------------- --------------------------------------------------------------
- ---------------------------------- --------------------------------------------------------------
Master Servicer 10 Universal City Plaza, Suite 2100
Universal City, California 91608,
Attention: Managing Director/Master Servicing
- ---------------------------------- --------------------------------------------------------------
- ---------------------------------- --------------------------------------------------------------
Trustee Corporate Trust Office
1761 East St. Andrew Place
Santa Ana, California 92705-4934,
Attention: Residential Accredit Loans, Inc. Series 2000-QS2
The Trustee designates its offices located at
Four Albany Street, New York, NY 10006, for
the purposes of Section 8.12 of the Standard
Terms
- ---------------------------------- --------------------------------------------------------------
- ---------------------------------- --------------------------------------------------------------
Standard & Poor's 55 Water Street
New York, New York 10041
- ---------------------------------- --------------------------------------------------------------
- ---------------------------------- --------------------------------------------------------------
Fitch IBCA, Inc, One State Street Plaza
New York, N.Y. 10004
- ---------------------------------- --------------------------------------------------------------
</TABLE>
<PAGE>
Any notice required or permitted to be mailed to a Certificateholder shall be
given by first class mail, postage prepaid, at the address of such holder as
shown in the Certificate Register. Any notice so mailed within the time
prescribed in this Agreement shall be conclusively presumed to have been duly
given, whether or not the Certificateholder receives such notice.
Section 11.06. Required Notices to Rating Agency and Subservicer. (See Section
11.06 of the Standard Terms)
Section 11.07. Severability of Provisions. (See Section 11.07 of the Standard
Terms)
Section 11.08. Supplemental Provisions for Resecuritization. (See Section 11.08
of the Standard Terms)
Section 11.09. Allocation of Voting Rights.
98.0% of all of the Voting Rights shall be allocated among
Holders of Certificates, other than the Class IO Certificates and Class R
Certificates, in proportion to the outstanding Certificate Principal Balances of
their respective Certificates; 0.5% of all Voting Rights shall be allocated
among the Holders of the Class IO-A Certificates in accordance with their
respective Percentage Interests, 0.5% of all Voting Rights shall be allocated
among the Holders of the Class IO-B 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.
<PAGE>
IN WITNESS WHEREOF, the Company, the Master Servicer and the Trustee
have caused their names to be signed hereto by their respective officers
thereunto duly authorized and their respective seals, duly attested, to be
hereunto affixed, all as of the day and year first above written.
RESIDENTIAL ACCREDIT LOANS, INC.
[Seal]
By:
Name: Timothy Pillar
Title: Vice President
Attest: ____________________
Name:
Title: Vice President
RESIDENTIAL FUNDING CORPORATION
[Seal]
By:
Name:
Title: Director
Attest:____________________
Name: Timothy Pillar
Title: Director
BANKERS TRUST COMPANY,
as Trustee
[Seal]
By:
Name:
Title:
Attest:____________________
Name:
Title:
<PAGE>
STATE OF MINNESOTA
)
) ss.:
COUNTY OF HENNEPIN )
On the 29th day of February, 2000 before me, a notary public in
and for said State, personally appeared Timothy Pillar, known to me to be a Vice
President of Residential Accredit Loans, Inc., one of the corporations that
executed the within instrument, and also known to me to be the person who
executed it on behalf of said corporation, and acknowledged to me that such
corporation executed the within instrument.
IN WITNESS WHEREOF, I have hereunto set my hand and affixed my
official seal the day and year in this certificate first above written.
- ------------------------------------------------------------------------------
Notary Public
[Notarial Seal]
<PAGE>
STATE OF MINNESOTA
)
) ss.:
COUNTY OF HENNEPIN )
On the 29th day of February, 2000 before me, a notary public in
and for said State, personally appeared ______________, known to me to be a
Director of Residential Funding Corporation, one of the corporations that
executed the within instrument, and also known to me to be the person who
executed it on behalf of said corporation, and acknowledged to me that such
corporation executed the within instrument.
IN WITNESS WHEREOF, I have hereunto set my hand and affixed my
official seal the day and year in this certificate first above written.
- ------------------------------------------------------------------------------
Notary Public
[Notarial Seal]
<PAGE>
STATE OF
)
) ss.:
COUNTY OF )
On the 29th day of February, 2000 before me, a notary public in
and for said State, personally appeared _______________, known to me to be a[n]
_________________ of Bankers Trust Company, the New York banking corporation
that executed the within instrument, and also known to me to be the person who
executed it on behalf of said banking corporation and acknowledged to me that
such banking corporation executed the within instrument.
IN WITNESS WHEREOF, I have hereunto set my hand and affixed my
official seal the day and year in this certificate first above written.
- -------------------------------------------------------------------------------
Notary Public
[Notarial Seal]
<PAGE>
Exhibit ONE
MORTGAGE LOAN SCHEDULE
1
RUN ON : 02/23/00 RFC DISCLOSURE SYSTEM RFFSD177-01
AT : 12.52.24 FIXED RATE LOAN LISTING AMORTIZED BALANCE
SERIES : RFMSI I 2000-QS CUTOFF : 02/01/00
POOL : 0004425
:
:
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 #
______________________________________________________________________________
1773883 180/G02 F 36,950.00 ZZ
360 36,547.18 1
577 SW LAKEHURS DR 8.500 284.11 90
8.250 284.11 41,100.00
PORT ST LUCIE FL 34983 1 08/20/98 12
0431097799 05 10/01/98 25
000 N 09/01/28
0
1839348 E22/G02 F 215,850.00 BB
360 213,682.98 1
2291 GOLDSMITH AVENUE 8.250 1,621.61 80
8.000 1,621.61 269,850.00
THOUSAND OAKS CA 91360 1 11/02/98 00
0411080930 05 12/01/98 0
411080930 O 11/01/28
0
1865391 526/526 F 59,500.00 T
360 58,848.59 1
13426 TRACY STREET #1 7.875 431.42 70
7.625 431.42 85,000.00
BALDWIN PARK CA 91706 1 11/16/98 00
348420 01 01/01/99 0
348420 O 12/01/28
0
1880058 560/560 F 60,200.00 ZZ
360 59,503.33 1
3032 SANDPIPER BAY CIR 305 7.875 436.50 70
7.625 436.50 86,000.00
NAPLES FL 34112 1 09/29/98 00
498066505 01 11/01/98 0
1
498066505 N 10/01/28
0
1931005 687/G02 F 64,800.00 ZZ
360 64,342.79 1
535 PONDS EDGE LANE 8.250 486.83 80
8.000 486.83 81,000.00
ALLENTOWN PA 18104 1 06/30/99 00
0431397595 01 08/01/99 0
60900567 O 07/01/29
0
1931548 N81/G02 F 54,600.00 ZZ
360 54,456.28 1
132 HOFFMAN AVENUE #108 9.250 449.18 95
9.000 449.18 57,500.00
CRANSTON RI 02920 1 08/30/99 10
0431452929 01 10/01/99 30
10877 O 09/01/29
0
1931739 G26/G02 F 267,200.00 ZZ
360 267,200.00 1
2417 GLADMORE STREET 8.875 2,125.97 80
8.625 2,125.97 334,000.00
EAST MEADOW NY 11554 1 01/05/00 00
0431787597 05 03/01/00 0
3856 O 02/01/30
0
1933157 562/G02 F 300,000.00 ZZ
360 298,998.16 2
756 QUINCY AVENUE 9.000 2,413.87 86
8.750 2,413.87 352,000.00
BRONX NY 10465 1 07/26/99 04
0431407378 07 09/01/99 25
606897 N 08/01/29
0
1936001 E82/G02 F 180,800.00 ZZ
360 180,185.27 1
5093 KAHANA STREET 8.000 1,326.65 80
7.750 1,326.65 226,000.00
KAPAA HI 96746 2 08/11/99 00
0400220661 05 10/01/99 0
1503652 O 09/01/29
0
1
1938060 E86/G02 F 166,500.00 ZZ
360 166,001.37 2
521 LITTLE EAST NECK ROAD 8.625 1,295.02 90
8.375 1,295.02 185,000.00
WEST BABYLON NY 11704 1 08/20/99 14
0431435932 05 10/01/99 25
26278 N 09/01/29
0
1938656 A60/G02 F 18,900.00 ZZ
360 18,890.94 1
95 AAB STREET 9.625 160.65 70
9.375 160.65 27,000.00
ROCHESTER NY 14613 5 12/07/99 00
0431751106 05 02/01/00 0
41279 N 01/01/30
0
1940323 K65/G02 F 287,800.00 ZZ
360 287,058.29 1
3944 BENNIGAN LANE 8.250 2,162.15 90
8.000 2,162.15 319,876.00
DULUTH GA 30097 1 09/23/99 10
0431507318 05 11/01/99 25
9901398B O 10/01/29
0
1941228 P63/G02 F 60,000.00 ZZ
360 60,000.00 3
2160 CROTONA AVENUE 9.875 521.01 26
9.625 521.01 232,000.00
BRONX NY 10457 5 01/20/00 00
0431817295 05 03/01/00 0
HENRY O 02/01/30
0
1941948 B75/G02 F 205,000.00 ZZ
360 204,416.83 1
36415 SOUTHEAST 94TH STREET 8.875 1,631.07 74
8.625 1,631.07 280,000.00
SNOQUALMIE WA 98065 2 08/20/99 00
0431468842 05 10/01/99 0
1971886 O 09/01/29
0
1943149 H90/G02 F 114,000.00 ZZ
360 113,887.40 1
235 W PARK AVENUE UNIT 202 9.500 958.58 95
9.250 958.58 120,000.00
1
LONG BEACH NY 11561 1 11/22/99 11
0431710912 08 01/01/00 30
0071346 O 12/01/29
0
1945564 P30/G02 F 174,000.00 ZZ
360 173,899.89 1
SEQUOYAH DRIVE LOT #14 8.750 1,368.86 84
8.500 1,368.86 207,567.00
FLETCHER NC 28732 2 11/29/99 14
0431684588 05 02/01/00 12
1945564 O 01/01/30
0
1946924 765/G02 F 130,500.00 ZZ
360 130,204.09 1
2122 WEST 177TH STREET 8.875 1,038.32 58
8.625 1,038.32 225,000.00
TORRANCE CA 90504 2 09/23/99 00
0431525021 05 11/01/99 0
348978 N 10/01/29
0
1946937 765/G02 F 149,500.00 ZZ
360 149,161.01 1
623 AVIATION WAY 8.875 1,189.49 43
8.625 1,189.49 350,000.00
MANHATTAN BEACH CA 90266 2 09/23/99 00
0431531862 05 11/01/99 0
348979 N 10/01/29
0
1947338 N66/G02 F 116,000.00 ZZ
360 116,000.00 3
344 NORTH STREET 8.750 912.58 77
8.500 912.58 151,500.00
BURLINGTON VT 05401 1 01/12/00 00
0431781111 05 03/01/00 0
99B0208 O 02/01/30
0
1947906 Q52/G02 F 92,400.00 ZZ
360 92,400.00 1
33 SHILOH COURT 8.750 726.91 62
8.500 726.91 150,000.00
ROCHESTER NY 14612 1 01/10/00 00
0431772177 05 03/01/00 0
1947906 O 02/01/30
0
1
1948353 L49/G02 F 650,000.00 ZZ
360 648,715.77 1
7 MONTIA 8.125 4,826.23 78
7.875 4,826.23 833,566.00
IRVINE CA 92620 1 10/01/99 00
0431560135 03 12/01/99 0
10001181 O 11/01/29
0
1949418 F25/G02 F 172,800.00 ZZ
360 172,712.74 3
45 UPPER CROTON AVENUE 9.375 1,437.26 90
9.125 1,437.26 192,000.00
OSSINING NY 10562 1 12/02/99 04
0431765171 05 02/01/00 25
GONZALEZ O 01/01/30
0
1950417 129/G02 F 31,150.00 ZZ
360 31,119.22 1
2113 FAIRFAX 9.500 261.93 70
9.250 261.93 44,500.00
TOLEDO OH 43613 1 11/10/99 00
0431666148 05 01/01/00 0
3500427939 N 12/01/29
0
1950637 637/G02 F 52,650.00 ZZ
360 52,533.64 1
11363 ANGELIQUE DRIVE 9.000 423.64 79
8.750 423.64 67,000.00
HOUSTON TX 77065 1 09/28/99 00
0431579473 05 11/01/99 0
0017607045 N 10/01/29
0
1950989 A06/G02 F 28,700.00 ZZ
360 28,665.10 1
1229 TASKER ST 8.500 220.68 70
8.250 220.68 41,000.00
PHILADELPHIA PA 19148 5 11/30/99 00
0431665587 07 01/01/00 0
9935850 N 12/01/29
0
1951234 163/G02 F 140,000.00 ZZ
360 139,742.34 1
1
2533 CASTRO WAY 8.500 1,076.48 80
8.250 1,076.48 175,000.00
SACRAMENTO CA 95818 1 10/15/99 00
0431592807 05 12/01/99 0
717154404 O 11/01/29
0
1951648 Q13/G02 F 157,600.00 ZZ
360 157,516.13 1
59 OLD AMHERST ROAD 9.125 1,282.29 80
8.875 1,282.29 197,000.00
MONT VERNON NH 03057 1 12/30/99 00
0431802222 05 02/01/00 0
74720 O 01/01/30
0
1952523 227/G02 F 306,600.00 ZZ
360 306,600.00 1
8 BARANCO CT 8.875 2,439.45 59
8.625 2,439.45 525,000.00
BALTIMORE MD 21204 1 01/10/00 00
0431787704 05 03/01/00 0
1774655 O 02/01/30
0
1952779 H37/G02 F 110,100.00 ZZ
360 109,979.27 1
484 LONG LANE 9.000 885.89 90
8.750 885.89 122,350.00
LANCASTER PA 17603 1 11/26/99 19
0431690692 05 01/01/00 25
00024935 N 12/01/29
0
1952781 742/G02 F 43,000.00 ZZ
360 42,976.51 1
22 HIDDEN HILLS DRIVE 9.000 345.99 47
8.750 345.99 93,000.00
QUEENSBURY NY 12804 5 12/27/99 00
0431759315 05 02/01/00 0
4876280 N 01/01/30
0
1953281 A65/G02 F 182,132.00 ZZ
360 182,037.57 4
10413 CRENSHAW BLVD 9.250 1,498.36 90
9.000 1,498.36 203,500.00
INGLEWOOD CA 90303 1 12/20/99 01
0431747062 05 02/01/00 25
1
099291004000 N 01/01/30
0
1953283 S61/G02 F 81,250.00 ZZ
360 81,129.16 1
4 DEXTER ROCK ROAD 9.500 683.19 65
9.250 683.19 125,000.00
LINCOLN RI 02865 5 11/23/99 00
0431709567 05 12/23/99 0
BOUTHILLETTE N 11/23/29
0
1953314 A22/G02 F 175,000.00 ZZ
360 175,000.00 2
134 SUMMIT AVENUE 8.750 1,376.73 78
8.500 1,376.73 225,000.00
MOUNT VERNON NY 10550 1 01/03/00 00
0431763044 05 03/01/00 0
99308 O 02/01/30
0
1953796 Q96/G02 F 104,000.00 ZZ
360 103,763.94 2
8446 SUMTER CIRCLE N 8.870 827.10 90
8.620 827.10 116,000.00
BROOKLYN PARK MN 55445 5 09/16/99 10
0431662527 05 11/01/99 30
PRINZLING O 10/01/29
0
1954581 624/G02 F 403,750.00 ZZ
360 403,529.47 1
1766 BELLEVUE WAY NE 9.000 3,248.66 95
8.750 3,248.66 425,000.00
BELLEVUE WA 98004 1 12/15/99 01
0431757459 01 02/01/00 30
85500191606 O 01/01/30
0
1954582 227/G02 F 52,155.00 ZZ
360 52,097.79 1
10211 URA LN #10-102 9.000 419.66 95
8.750 419.66 54,900.00
DENVER CO 80260 1 12/01/99 04
0431702091 01 01/01/00 30
1800308 O 12/01/29
0
1
1954591 Q01/G02 F 46,800.00 ZZ
360 46,775.74 1
5148 GARDEN LANE #A 9.250 385.01 90
9.000 385.01 52,000.00
LAS VEGAS NV 89119 1 12/07/99 01
0431728393 01 02/01/00 25
15599014 N 01/01/30
0
1954593 Q01/G02 F 34,200.00 ZZ
360 34,182.27 1
5148 GARDEN LANE #B 9.250 281.35 90
9.000 281.35 38,000.00
LAS VEGAS NV 89119 1 12/07/99 01
0431725381 01 02/01/00 25
15601014 N 01/01/30
0
1954667 K45/G02 F 166,500.00 ZZ
360 166,500.00 1
2011 WEST CAMBRIDGE AVENUE 9.125 1,354.70 90
8.875 1,354.70 185,000.00
PHOENIX AZ 85009 1 01/04/00 12
0431829779 05 03/01/00 25
5263 N 02/01/30
0
1954932 822/G02 F 119,500.00 ZZ
360 119,429.45 1
963 ALEXANDER RD 8.625 929.46 58
8.375 929.46 208,000.00
PRINCETON NJ 08543 2 12/15/99 00
0431769751 05 02/01/00 0
3626029689 N 01/01/30
0
1955005 G92/G02 F 182,000.00 ZZ
360 181,886.88 1
2015 NUSHAKE WAY 8.375 1,383.33 80
8.125 1,383.33 227,565.00
MANTECA CA 95336 1 12/08/99 00
0431750603 05 02/01/00 0
SHARP O 01/01/30
0
1955129 F16/G02 F 78,300.00 ZZ
360 78,170.73 1
5219 CAMINITO MINDY 9.000 630.02 90
8.750 630.02 87,000.00
1
SAN DIEGO CA 92105 1 10/29/99 10
0431649359 01 12/01/99 25
99D21209 N 11/01/29
0
1955331 637/G02 F 56,950.00 ZZ
360 56,867.50 2
9212 9214 & 9216 WEST LN 9.625 484.07 85
9.375 484.07 67,000.00
STOCKTON CA 95210 1 10/22/99 11
0431761147 05 12/01/99 12
0010999225 O 11/01/29
0
1955419 A09/G02 F 60,000.00 ZZ
360 59,925.16 1
27 HAMILTON TERRACE 8.375 456.04 14
8.125 456.04 460,000.00
NEW YORK NY 10031 5 11/30/99 00
0431776111 07 01/01/00 0
GREENE O 12/01/29
0
1955431 377/377 F 140,000.00 ZZ
360 139,931.13 1
1863 PEKIN RD W 9.500 1,177.20 64
9.250 1,177.20 220,000.00
LEBANON OH 45036 2 12/23/99 00
6607121 05 02/01/00 0
6607121 O 01/01/30
0
1955436 N11/G02 F 115,000.00 ZZ
360 114,873.89 1
2039 OAKLEAF LANE 9.000 925.32 74
8.750 925.32 156,500.00
ARAB AL 35016 5 11/29/99 00
0431754555 05 01/01/00 0
H999198 O 12/01/29
0
1955627 F89/G02 F 99,000.00 ZZ
360 98,938.47 1
9807 GOLD DUST DRIVE 8.375 752.47 88
8.125 752.47 113,000.00
BAKERSFIELD CA 93311 1 12/14/99 19
0431771336 05 02/01/00 25
2001163 O 01/01/30
0
1
1955666 Q99/G02 F 140,000.00 ZZ
360 139,919.45 1
9 SALLINGER WAY 8.750 1,101.38 80
8.500 1,101.38 175,000.00
BOURNE MA 02552 2 01/03/00 00
0431750199 05 02/07/00 0
LIOLIOS O 01/07/30
0
1955823 P41/G02 F 244,400.00 ZZ
360 244,269.94 1
6110 SW 69TH STREET 9.125 1,988.52 89
8.875 1,988.52 276,000.00
AUBURN KS 66402 5 12/10/99 10
0431723998 05 02/01/00 25
375425 O 01/01/30
0
1955829 S76/G02 F 179,100.00 ZZ
360 179,002.17 2
325 MADEIRA AVENUE 9.000 1,441.08 90
8.750 1,441.08 199,000.00
CORAL GABLES FL 33134 1 12/23/99 04
0431749472 05 02/01/00 25
389669 N 01/01/30
0
1955933 K81/G02 F 200,100.00 ZZ
360 199,850.39 1
483 INDIGO SPRINGS 8.375 1,520.90 80
8.125 1,520.90 250,179.00
HENDERSON NV 89014 1 11/02/99 00
0431742733 05 01/01/00 0
2500284 O 12/01/29
0
1956069 992/G02 F 245,700.00 ZZ
360 245,700.00 1
3011 MATTHEWS AVENUE 9.000 1,976.96 90
8.750 1,976.96 273,000.00
BRONX NY 10467 1 01/06/00 04
0431805092 05 03/01/00 30
376836 N 02/01/30
0
1956083 963/G02 F 60,000.00 ZZ
360 59,970.48 1
1
915 31ST STREET 9.500 504.52 75
9.250 504.52 80,000.00
WEST PALM BEACH FL 33407 1 12/10/99 00
0431752922 05 02/01/00 0
990535 N 01/01/30
0
1956166 664/G02 F 98,600.00 ZZ
360 98,547.52 1
2755 YALE AVENUE 9.125 802.25 90
8.875 802.25 109,580.00
TURLOCK CA 95381 1 12/07/99 11
0431775709 05 02/01/00 30
0003300415 N 01/01/30
0
1956370 962/G02 F 98,752.00 ZZ
360 98,696.63 1
4220 CRESCENT RIDGE ROAD 8.875 785.72 95
8.625 785.72 103,950.00
BISMARCK ND 58501 1 12/28/99 04
0431748755 05 02/01/00 30
000 O 01/01/30
0
1956482 828/G02 F 58,500.00 ZZ
360 58,466.34 2
3400-02 SANGUINET 8.750 460.22 90
8.500 460.22 65,000.00
FORT WORTH TX 76107 1 12/22/99 11
0431747906 05 02/01/00 25
95400053 N 01/01/30
0
1956515 931/G02 F 43,850.00 ZZ
360 43,824.77 1
5 WOODLAND DRIVE 8.750 344.97 95
8.500 344.97 46,200.00
CROMWELL CT 06416 1 12/29/99 12
0431757673 01 02/01/00 30
047766 O 01/01/30
0
1956549 227/G02 F 44,910.00 ZZ
360 44,910.00 2
803 FULTON 9.125 365.41 90
8.875 365.41 49,900.00
BAY CITY MI 48706 1 01/14/00 14
0431794692 05 03/01/00 25
1
1859479 N 02/01/30
0
1956762 Q13/G02 F 84,000.00 ZZ
360 83,954.12 1
7 CRESCENT DRIVE #10 9.000 675.88 75
8.750 675.88 112,000.00
ANDOVER MA 01810 1 12/06/99 00
0431734409 01 02/01/00 0
0000 N 01/01/30
0
1956941 962/G02 F 26,600.00 ZZ
360 26,587.59 1
1522 6TH AVENUE S 9.750 228.54 70
9.500 228.54 38,000.00
FARGO ND 58103 1 12/29/99 00
0431754506 05 02/01/00 0
000 N 01/01/30
0
1957029 742/G02 F 50,000.00 ZZ
360 49,969.71 2
299 EAST MAIN STREET 8.500 384.46 80
8.250 384.46 62,500.00
JOHNSTOWN NY 12095 1 12/30/99 00
0431763176 05 02/01/00 0
4886297 N 01/01/30
0
1957143 M74/G02 F 52,500.00 ZZ
360 52,474.18 1
574 THOMAS AVENUE 9.500 441.45 85
9.250 441.45 62,000.00
FORT MEYERS FL 33905 5 12/15/99 01
0431729672 05 02/01/00 12
991119RF O 01/01/30
0
1957216 A33/G02 F 228,750.00 ZZ
360 228,592.57 1
460 PEACH TREE LANE 7.875 1,658.60 75
7.625 1,658.60 305,000.00
MILFORD MI 48381 1 12/17/99 00
0431760768 05 02/01/00 0
015082565 O 01/01/30
0
1
1957285 G69/G02 F 160,000.00 ZZ
360 159,903.06 1
12114-C WOLFSVILLE ROAD 8.500 1,230.27 80
8.250 1,230.27 200,000.00
MYERSVILLE MD 21773 1 12/30/99 00
0431754092 05 02/01/00 0
0400196 O 01/01/30
0
1957305 K15/G02 F 144,000.00 ZZ
360 143,850.12 4
1391 BARSTOW ROAD 9.250 1,184.65 80
9.000 1,184.65 180,000.00
BARSTOW CA 92311 1 11/17/99 00
0431683226 05 01/01/00 0
3004059 O 12/01/29
0
1957330 J40/G02 F 99,450.00 ZZ
360 99,325.95 1
356 ARROW WAY 8.375 755.89 90
8.125 755.89 110,500.00
MINERAL BLUFF GA 30559 1 11/30/99 12
0431665413 05 01/01/00 25
7659602 O 12/01/29
0
1957427 M05/G02 F 40,800.00 ZZ
360 40,778.84 1
376 DOGWOOD ROAD WEST 9.250 335.66 80
9.000 335.66 51,000.00
MASTIC BEACH NY 11951 1 12/22/99 00
0431779966 05 02/01/00 0
0000 O 01/01/30
0
1957461 R77/G02 F 94,000.00 ZZ
360 93,947.30 1
8345 CLARENCE CENTER ROAD 8.875 747.91 80
8.625 747.91 118,000.00
CLARENCE NY 14051 5 12/13/99 00
0431776061 05 02/01/00 0
YZR11698 O 01/01/30
0
1957502 A33/G02 F 260,000.00 ZZ
360 259,842.50 1
15600 E MERCURY AVE 8.500 1,999.17 80
8.250 1,999.17 325,000.00
1
PALMER AK 99645 1 12/13/99 00
0431802719 05 02/01/00 0
017082425 O 01/01/30
0
1957523 A33/G02 F 35,000.00 ZZ
360 34,983.23 1
3617 CHEROKEE 9.625 297.50 70
9.375 297.50 50,000.00
FLINT MI 48507 1 12/17/99 00
0431745686 05 02/01/00 0
H0004082446 N 01/01/30
0
1957596 737/G02 F 130,000.00 ZZ
360 129,868.20 1
100 SOUTH PARK AVENUE 109-W 9.375 1,081.27 66
9.125 1,081.27 198,000.00
BRECKENRIDGE CO 80424 1 11/19/99 00
0431676485 01 01/01/00 0
593544 N 12/01/29
0
1957665 P34/G02 F 80,000.00 ZZ
240 79,806.66 3
3615 ROCKDALE TERRACE 9.750 758.81 64
9.500 758.81 125,000.00
BALTIMORE MD 21244 5 12/14/99 00
0431830256 05 01/14/00 0
13593 N 12/14/19
0
1957923 P16/G02 F 77,250.00 ZZ
360 77,203.20 1
7513 TAMARIND AVENUE 8.500 593.99 75
8.250 593.99 103,000.00
FONTANA CA 92336 1 12/27/99 00
0431779230 05 02/01/00 0
50004535 N 01/01/30
0
1958207 K15/G02 F 212,500.00 ZZ
360 212,206.56 2
86-35 126TH ST 7.875 1,540.77 85
7.625 1,540.77 250,000.00
RICHMOND HILL NY 11418 5 11/22/99 10
0431689298 05 01/01/00 12
005005300091 O 12/01/29
0
1
1958217 N20/G02 F 80,370.00 ZZ
360 80,326.10 1
947 EAST 1150 SOUTH 9.000 646.68 90
8.750 646.68 89,300.00
CLEARFIELD UT 84015 1 12/20/99 12
0431763135 05 02/01/00 25
389122 N 01/01/30
0
1958218 N94/G02 F 112,000.00 ZZ
360 111,873.96 1
129 LONG POND ROAD 8.875 891.12 80
8.625 891.12 140,000.00
MARSTONS MILLS MA 02648 5 11/30/99 00
0431755065 05 01/01/00 0
003881 O 12/01/29
0
1958236 K15/G02 F 60,500.00 ZZ
360 60,417.29 1
1300 GOLDEN CIR #105 9.900 526.47 81
9.650 526.47 75,000.00
GOLDEN CO 80401 5 10/20/99 10
0431688829 01 12/01/99 21
023105300164 O 11/01/29
0
1958324 227/G02 F 21,000.00 ZZ
360 20,988.52 1
10527 PERRIN BEITEL 9.000 168.98 92
UNIT 109 8.750 168.98 22,950.00
SAN ANTONIO TX 78217 1 12/15/99 10
0431749886 01 02/01/00 30
1801036 O 01/01/30
0
1958389 992/G02 F 168,000.00 ZZ
360 167,903.34 1
596 LAKE SHORE DR. SOUTH 8.750 1,321.66 79
8.500 1,321.66 213,000.00
WURTSBORO NY 12790 1 12/29/99 00
0431755750 05 02/01/00 0
377143 O 01/01/30
0
1958398 E23/G02 F 112,500.00 ZZ
360 112,309.38 2
1
1098 WEST G STREET A B 8.875 895.10 90
8.625 895.10 125,000.00
COLTON CA 92624 1 10/15/99 01
0431681543 05 12/01/99 25
10509984 N 11/01/29
0
1958444 Q76/G02 F 69,525.00 ZZ
360 69,491.69 1
1826 WEST MICHELE DRIVE 9.625 590.96 90
9.375 590.96 77,250.00
PHOENIX AZ 85023 1 12/08/99 04
0431713767 05 02/01/00 25
9911015 N 01/01/30
0
1958512 M65/G02 F 220,500.00 ZZ
360 220,500.00 3
1153 GRANT AVENUE 9.875 1,914.71 90
9.625 1,914.71 246,000.00
BRONX NY 10456 1 01/14/00 01
0431803451 05 03/01/00 25
2381 O 02/01/30
0
1958552 637/G02 F 121,950.00 ZZ
360 121,832.67 1
516 SE 6TH TERRACE 9.625 1,036.57 90
9.375 1,036.57 135,500.00
CAPE CORAL FL 33990 1 11/11/99 04
0431729383 05 01/01/00 25
0019049873 N 12/01/29
0
1958616 P44/G02 F 220,500.00 ZZ
360 220,382.65 4
26 WARNER STREET 9.125 1,794.07 90
8.875 1,794.07 245,000.00
HUDSON MA 01749 1 12/31/99 14
0431752609 05 02/01/00 25
1958616 N 01/01/30
0
1958647 931/G02 F 43,200.00 ZZ
360 43,171.74 1
81 EAST PATTAGANSETT RD 8.125 320.76 80
UNIT 6 7.875 320.76 54,000.00
NIANTIC CT 06357 1 12/28/99 00
0431749563 01 02/01/00 0
1
047867 O 01/01/30
0
1958743 G70/G02 F 63,000.00 ZZ
360 62,968.19 1
705-707 FREBIS AVENUE 9.375 524.00 90
9.125 524.00 70,000.00
COLUMBUS OH 43207 1 12/20/99 01
0431744507 05 02/01/00 25
101461 N 01/01/30
0
1958837 828/G02 F 63,050.00 ZZ
360 63,011.80 1
10570 WAVING FIELDS DRIVE 8.500 484.80 65
8.250 484.80 97,701.00
HOUSTON TX 77064 1 12/30/99 00
0431779834 03 02/01/00 0
90200022 N 01/01/30
0
1958866 R53/G02 F 125,000.00 ZZ
360 125,000.00 1
CHRISTIAN HILL ROAD 8.625 972.24 61
8.375 972.24 205,000.00
BETHEL VT 05032 1 01/05/00 00
0431749142 05 03/01/00 0
MS518 O 02/01/30
0
1958894 G70/G02 F 64,800.00 ZZ
360 64,767.28 2
775-777 SOUTH 17TH STREET 9.375 538.97 90
9.125 538.97 72,000.00
COLUMBUS OH 43207 1 12/20/99 10
0431743624 05 02/01/00 25
101463 N 01/01/30
0
1958901 G70/G02 F 61,200.00 ZZ
360 61,169.10 2
477-479 WOODROW AVENUE 9.375 509.03 90
9.125 509.03 68,000.00
COLUMBUS OH 43207 1 12/20/99 10
0431770155 05 02/01/00 25
101462 N 01/01/30
0
1
1958961 P34/G02 F 500,000.00 ZZ
360 499,697.10 1
15 PREAKNESS DRIVE 8.500 3,844.57 80
8.250 3,844.57 625,000.00
LINCOLN RI 02865 1 12/15/99 00
0431721901 05 02/01/00 0
61302 O 01/01/30
0
1959120 687/G02 F 73,500.00 ZZ
360 73,500.00 4
145 BRYANT STREET 9.875 638.24 70
9.625 638.24 105,000.00
NORTH TONAWANDA NY 14120 5 01/21/00 00
0431819184 05 03/01/00 0
9912100783 N 02/01/30
0
1959276 E53/G02 F 99,000.00 ZZ
360 98,950.01 3
911 ARDMORE AVENUE 9.375 823.43 90
9.125 823.43 110,000.00
WEST PALM BEACH FL 33401 1 12/07/99 14
0431699297 05 02/01/00 25
11109732 O 01/01/30
0
1959378 562/G02 F 301,000.00 ZZ
360 300,702.70 2
164-18 65TH AVENUE 9.500 2,530.98 79
9.250 2,530.98 385,000.00
FLUSHING NY 11365 2 11/30/99 00
0431829365 05 01/01/00 0
615427 O 12/01/29
0
1959591 624/G02 F 117,500.00 ZZ
360 117,428.82 1
393 NE KELLY 8.500 903.47 83
8.250 903.47 142,500.00
GRESHAM OR 97030 1 12/21/99 01
0431763671 01 02/01/00 20
81600891163 O 01/01/30
0
1959605 G88/G02 F 51,000.00 ZZ
360 50,968.30 1
156 FRONT STREET 8.375 387.64 75
UNIT 300 8.125 387.64 68,000.00
1
EXETER NH 03833 1 12/30/99 00
0431751114 01 02/01/00 0
9911074 N 01/01/30
0
1959817 K15/G02 F 104,000.00 ZZ
360 103,882.97 2
444-446 WHEELING WAY 8.875 827.47 80
8.625 827.47 130,000.00
LOS ANGELES CA 90042 1 11/23/99 00
0431697291 05 01/01/00 0
3003748 N 12/01/29
0
1959846 K15/G02 F 132,050.00 ZZ
360 131,981.55 1
5231 N STERLING HEIGHTS PLACE 9.250 1,086.34 90
9.000 1,086.34 146,772.00
TUCSON AZ 85749 1 12/01/99 11
0431720143 03 02/01/00 25
3005256 O 01/01/30
0
1959893 A75/G02 F 285,600.00 ZZ
360 285,278.58 1
56 QUAIL HOLLOW DRIVE 8.875 2,272.37 80
8.625 2,272.37 357,000.00
SEWELL NJ 08080 5 12/06/99 00
0431696939 05 01/01/00 0
1000025542 O 12/01/29
0
1959919 N31/G02 F 280,000.00 ZZ
360 280,000.00 1
418 EAST JEFFERSON AVENUE 9.500 2,354.39 80
9.250 2,354.39 350,000.00
POMONA CA 91767 1 01/06/00 00
0431778687 05 03/01/00 0
1959919 N 02/01/30
0
1959927 637/G02 F 228,600.00 ZZ
360 228,471.84 4
904 WESCOTT SQUARE 8.875 1,818.85 90
8.625 1,818.85 254,000.00
EAGAN MN 55123 1 01/04/00 11
0431807759 05 02/01/00 25
0018696815 N 01/01/30
0
1
1960134 G44/G02 F 156,750.00 ZZ
360 156,591.06 1
600 SW 33 AVENUE 9.375 1,303.77 95
3300 SW 6 STREET 9.125 1,303.77 165,000.00
MIAMI FL 33135 1 11/15/99 10
0431765429 05 01/01/00 30
1199024 O 12/01/29
0
1960145 M93/G02 F 87,750.00 ZZ
360 87,705.69 1
852 HADLEY LANE NORTH 9.375 729.86 75
9.125 729.86 117,000.00
OAKDALE MN 55128 5 12/21/99 00
0431764315 05 02/01/00 0
1960145 O 01/01/30
0
1960184 F44/G02 F 55,000.00 ZZ
360 54,942.75 1
4712 NORMA DRIVE NE 9.250 452.47 61
9.000 452.47 91,000.00
ALBUQUERQUE NM 87109 5 11/24/99 00
0431801315 05 01/01/00 0
211284 O 12/01/29
0
1960238 637/G02 F 273,000.00 ZZ
360 272,659.44 1
4073 LONG BEACH DRIVE NW 8.375 2,075.00 80
8.125 2,075.00 342,400.00
HACKENSACK MN 56452 5 12/01/99 00
0431720309 05 01/01/00 0
0018691105 O 12/01/29
0
1960244 E87/G02 F 496,000.00 ZZ
360 495,667.20 1
754 ALAMEDA PADRE SERRA 8.000 3,639.47 80
7.750 3,639.47 620,000.00
SANTA BARBARA CA 93103 1 12/01/99 00
0431700608 05 02/01/00 0
70002702 O 01/01/30
0
1960257 129/G02 F 46,800.00 ZZ
360 46,773.76 1
1
2158 RUSSELL RD 8.875 372.36 90
8.625 372.36 52,000.00
MUSKEGON MI 49445 1 12/23/99 10
0431795871 05 02/01/00 25
3500440114 N 01/01/30
0
1960268 K15/G02 F 234,000.00 ZZ
360 233,861.85 1
460 SUNNYSLOPE AVENUE 8.625 1,820.03 87
8.375 1,820.03 272,000.00
PETALUMA CA 94952 5 12/01/99 10
0431728914 05 02/01/00 25
3004450 O 01/01/30
0
1960283 K15/G02 F 64,000.00 ZZ
360 63,935.11 2
906 S 15TH STREET 9.375 532.32 80
9.125 532.32 80,000.00
FORT PIERCE FL 34950 1 11/23/99 00
0431701580 05 01/01/00 0
3004638 N 12/01/29
0
1960370 K45/G02 F 62,800.00 ZZ
360 62,764.80 1
14404 NORTH 62ND AVENUE 8.875 499.66 80
8.625 499.66 78,500.00
GLENDALE AZ 85306 1 12/29/99 00
0431751858 05 02/01/00 0
390238 O 01/01/30
0
1960371 L94/G02 F 66,600.00 ZZ
360 66,566.36 1
4956 SOUTH 142 STREET 9.375 553.95 90
9.125 553.95 74,000.00
OMAHA NE 68137 1 12/30/99 10
0431751783 05 02/01/00 30
1960371 N 01/01/30
0
1960382 P44/G02 F 79,000.00 ZZ
360 79,000.00 1
78 MIDWAY DRIVE 9.500 664.27 70
9.250 664.27 114,000.00
BARNSTABLE MA 02632 5 01/10/00 00
0431784107 05 03/01/00 0
1
1960382 O 02/01/30
0
1960400 K15/G02 F 84,750.00 ZZ
360 84,652.12 1
298 PINE LANE 8.750 666.73 75
8.500 666.73 113,000.00
CARBONDALE IL 62901 2 11/30/99 00
0431736537 05 01/01/00 0
3004834 O 12/01/29
0
1960414 F96/G02 F 237,500.00 ZZ
360 237,363.36 2
50 PASSAIC AVENUE 8.750 1,868.41 95
8.500 1,868.41 250,000.00
EAST NEWARK NJ 07029 1 12/10/99 12
0431716158 05 02/01/00 30
9900424 O 01/01/30
0
1960426 P59/G02 F 35,000.00 ZZ
360 34,982.78 1
43947 2ND STREET EAST 9.500 294.30 70
9.250 294.30 50,000.00
LANCASTER CA 93535 1 12/01/99 00
0431705086 05 02/01/00 0
99199855 N 01/01/30
0
1960443 E11/G02 F 396,000.00 ZZ
360 395,772.17 1
9257 NW UNITY STREET 8.750 3,115.33 80
8.500 3,115.33 500,000.00
COON RAPIDS MN 55433 1 12/10/99 00
0431704949 05 02/01/00 0
3001008777 O 01/01/30
0
1960491 687/G02 F 94,400.00 ZZ
360 94,354.78 1
13300 WOODLAND FARM DR 9.625 802.39 90
9.375 802.39 104,900.00
CHARLOTTE NC 28215 1 12/30/99 14
0431789999 05 02/01/00 25
9912161099 N 01/01/30
0
1
1960641 136/136 F 180,000.00 ZZ
360 180,000.00 2
597 E. 91ST STREET 8.625 1,400.03 80
8.375 1,400.03 225,000.00
BROOKLYN NY 11236 1 01/14/00 00
4579650 05 03/01/00 0
4579650 O 02/01/30
0
1960684 683/G02 F 116,000.00 ZZ
360 115,931.51 2
128 BOWERS STREET 8.625 902.24 80
8.375 902.24 145,000.00
NASHUA NH 03060 1 12/28/99 00
0431811090 05 02/01/00 0
18151 O 01/01/30
0
1960778 637/G02 F 268,000.00 ZZ
360 267,629.91 1
245 SEQUOIA AVENUE 7.875 1,943.19 80
7.625 1,943.19 335,000.00
SOUTH SAN FRANC CA 94080 2 11/22/99 00
0431784164 05 01/01/00 0
0013833801 O 12/01/29
0
1960791 L94/G02 F 44,100.00 ZZ
360 44,100.00 1
411 NORTH ARTHUR STREET 9.750 378.89 90
9.500 378.89 49,000.00
POCATELLO ID 83204 1 01/12/00 10
0431799147 05 03/01/00 30
89735660 N 02/01/30
0
1960936 K15/G02 F 88,000.00 ZZ
360 87,893.01 1
328 SPRING STREET 8.500 676.64 80
8.250 676.64 110,000.00
ROYERSFORD PA 19468 2 11/24/99 00
0431735067 05 01/01/00 0
3004456 O 12/01/29
0
1960945 K15/G02 F 140,000.00 ZZ
360 139,846.49 1
695 695 1/2 EAST 41ST PLACE 9.000 1,126.47 80
8.750 1,126.47 175,000.00
1
LOS ANGELES CA 90011 1 11/17/99 00
0431735935 05 01/01/00 0
3004263 O 12/01/29
0
1960972 G81/G02 F 205,650.00 ZZ
360 205,554.06 4
1223 NE 15 AVENUE 9.750 1,766.85 90
9.500 1,766.85 228,500.00
FT LAUDERDALE FL 33304 1 12/30/99 01
0431775667 05 02/01/00 25
021912040 N 01/01/30
0
1960995 P16/G02 F 460,000.00 ZZ
360 460,000.00 1
202 SOUTH EAGLE DRIVE 8.875 3,659.97 58
8.625 3,659.97 805,000.00
BIG BEAR LAKE CA 92315 5 01/13/00 00
0431804343 05 03/01/00 0
50004966 O 02/01/30
0
1961015 498/G02 F 38,880.00 ZZ
360 38,858.20 2
1131-1133 E 54TH STREET 8.875 309.35 90
8.625 309.35 43,200.00
SAVANNAH GA 31404 1 12/27/99 12
0431751007 05 02/01/00 25
26003871 N 01/01/30
0
1961021 129/G02 F 142,200.00 ZZ
360 142,052.00 4
4618 E MILHAM ROAD 9.250 1,169.84 90
9.000 1,169.84 158,000.00
PORTAGE MI 49008 1 11/11/99 10
0431752187 05 01/01/00 25
3500431469 N 12/01/29
0
1961165 B49/G02 F 77,400.00 ZZ
360 77,400.00 3
1200 CARTERET AVENUE 9.250 636.76 90
9.000 636.76 86,000.00
PUEBLO CO 81004 1 01/04/00 11
0431751635 05 03/01/00 30
1961165 N 02/01/30
0
1
1961189 637/G02 F 60,800.00 ZZ
360 60,766.79 3
745 EAST VENTURA AVENUE 9.000 489.21 80
8.750 489.21 76,000.00
TULARE CA 93274 1 12/09/99 00
0431748227 05 02/01/00 0
0013960380 N 01/01/30
0
1961219 E86/G02 F 42,300.00 ZZ
360 42,280.27 1
92 WEST 149TH STREET 9.750 363.42 90
9.500 363.42 47,000.00
RIVERDALE IL 60827 1 12/15/99 10
0431778356 05 02/01/00 25
02992876 N 01/01/30
0
1961251 F64/G02 F 240,000.00 ZZ
360 239,875.58 1
7028 HOLLYBERRY ROAD 9.250 1,974.42 53
9.000 1,974.42 460,000.00
ROANOKE VA 24018 5 12/30/99 00
0431763101 05 02/01/00 0
8000000842 O 01/01/30
0
1961321 883/G02 F 285,000.00 ZZ
360 284,848.33 1
13936 MARINE DRIVE 9.125 2,318.86 75
8.875 2,318.86 383,000.00
ORLANDO FL 32832 4 12/09/99 00
0431758754 05 02/01/00 0
05008576 O 01/01/30
0
1961347 N94/G02 F 66,500.00 ZZ
360 66,468.15 1
3 AUTUMN LEAF DRIVE 9.625 565.24 95
UNIT 3-2 9.375 565.24 70,000.00
NASHUA NH 03062 1 12/30/99 14
0431756071 01 02/01/00 30
1961347 O 01/01/30
0
1961356 P76/G02 F 81,000.00 ZZ
360 80,949.65 1
1
1301 S HAMPTON ROAD 8.375 615.66 75
8.125 615.66 108,000.00
DESOTO TX 75115 2 12/27/99 00
0431797638 05 02/01/00 0
0000 O 01/01/30
0
1961366 E86/G02 F 59,375.00 ZZ
360 59,345.79 1
225 NORTH GREGORY STREET UNIT9 9.500 499.26 95
9.250 499.26 62,500.00
AURORA IL 60504 1 12/15/99 10
0431778117 01 02/01/00 30
03991517 O 01/01/30
0
1961367 E86/G02 F 119,000.00 ZZ
360 118,935.00 2
3339 WEST POTOMAC AVENUE 9.000 957.50 85
8.750 957.50 140,000.00
CHICAGO IL 60651 5 12/10/99 10
0431809409 05 02/01/00 12
07991585 O 01/01/30
0
1961434 637/G02 F 114,000.00 ZZ
360 113,939.33 1
1223 CANAL AVENUE 9.125 927.55 80
8.875 927.55 142,511.00
MANAHAWKIN NJ 08050 1 12/10/99 00
0431719608 05 02/01/00 0
18762955 O 01/01/30
0
1961459 H47/G02 F 85,000.00 ZZ
360 84,949.81 1
1502 WICKLOW PLACE 8.625 661.13 61
8.375 661.13 139,719.00
FORT COLLINS CO 80526 1 12/17/99 00
0431764174 03 02/01/00 0
150000507 O 01/01/30
0
1961461 129/G02 F 51,500.00 ZZ
360 51,500.00 1
100 NE 45TH COURT 9.125 419.02 67
8.875 419.02 78,000.00
OAKLAND PARK FL 33334 2 01/07/00 00
0431801513 05 03/01/00 0
1
3500444587 O 02/01/30
0
1961498 N33/G02 F 29,000.00 ZZ
360 28,983.32 1
4107 LEES LANE 8.750 228.14 51
8.500 228.14 57,500.00
LOUISVILLE KY 40216 5 12/29/99 00
0431746981 05 02/01/00 0
28439 N 01/01/30
0
1961558 K15/G02 F 206,400.00 ZZ
360 206,190.73 4
8165 PHILBIN AVENUE A D 9.375 1,716.73 80
9.125 1,716.73 258,000.00
RIVERSIDE CA 92503 1 11/29/99 00
0431736867 05 01/01/00 0
3004868 N 12/01/29
0
1961575 455/G02 F 100,600.00 ZZ
360 100,543.60 1
501 DANCING FOX ROAD 8.875 800.42 80
8.625 800.42 125,751.00
DECATUR GA 30032 1 12/17/99 00
0431788728 01 02/01/00 0
10000301 O 01/01/30
0
1961577 455/G02 F 202,500.00 ZZ
360 202,400.40 1
1146 FINCHER ROAD 9.500 1,702.73 90
9.250 1,702.73 225,900.00
CANTON GA 30114 1 12/13/99 01
0431749597 05 02/01/00 25
09000117 O 01/01/30
0
1961676 455/G02 F 239,000.00 ZZ
360 238,702.90 1
133 EAST WINDWALKER COURT 8.375 1,816.57 67
8.125 1,816.57 360,000.00
WEATHERFORD TX 76088 2 12/13/99 00
0431749639 05 02/01/00 0
30000026 O 01/01/30
0
1
1961711 183/G02 F 123,000.00 ZZ
360 122,864.83 1
17253 WORMER 8.990 988.81 77
8.740 988.81 160,000.00
DETROIT MI 48219 5 12/08/99 00
0431725050 05 01/13/00 0
01933800274961 O 12/13/29
0
1961726 966/G02 F 87,200.00 ZZ
360 87,153.59 1
7205 NORTH STONE MEADOW CIRCLE 9.125 709.49 77
8.875 709.49 114,500.00
ROWLETT TX 75088 2 12/06/99 00
0431737626 03 02/01/00 0
30013941 N 01/01/30
0
1961737 E76/G02 F 80,100.00 ZZ
360 80,060.61 1
130 EVERGREEN ROAD #B302 9.500 673.52 90
9.250 673.52 89,000.00
DILLON CO 80435 1 12/13/99 10
0431742113 01 02/01/00 25
19911087 N 01/01/30
0
1961760 E11/G02 F 95,500.00 ZZ
360 95,446.46 1
6425 N CLOVERDALE AVENUE 8.875 759.84 70
8.625 759.84 137,000.00
CRYSTAL MN 55428 5 12/15/99 00
0431750967 05 02/01/00 0
0004001019590 N 01/01/30
0
1961792 N24/G02 F 56,625.00 ZZ
360 56,588.90 1
9310 EAST GIRARD AVENUE #10 8.250 425.40 75
8.000 425.40 75,500.00
AURORA CO 80231 1 01/03/00 00
0431749233 01 02/01/00 0
3055910 N 01/01/30
0
1961813 M46/G02 F 34,200.00 ZZ
360 34,182.73 1
5335 BENT TREE FOREST DR 101 9.375 284.46 95
9.125 284.46 36,000.00
1
DALLAS TX 75248 1 01/03/00 11
0431775816 04 02/01/00 30
7320570 O 01/01/30
0
1961855 A52/G02 F 100,000.00 ZZ
360 99,953.35 1
4091-4093 BOWERS POINT DRIVE 9.750 859.15 90
9.500 859.15 111,500.00
LILBURN GA 30047 1 12/17/99 11
0431733609 05 02/01/00 25
10023 N 01/01/30
0
1961875 129/G02 F 85,000.00 ZZ
360 84,955.94 1
16143 NORTH 157TH DRIVE 9.250 699.27 54
9.000 699.27 158,266.00
SURPRISE AZ 85374 1 12/09/99 00
0431728138 03 02/01/00 0
3500438480 O 01/01/30
0
1961880 L55/G02 F 90,000.00 ZZ
360 90,000.00 1
20-15 STEINWAY STREET 7.875 652.57 30
7.625 652.57 305,000.00
LONG ISLAND CIT NY 11105 5 01/06/00 00
0431780618 05 03/01/00 0
7325 O 02/01/30
0
1961902 A50/A50 F 52,000.00 ZZ
360 51,941.47 1
4607 GEORGIA HIGHWAY 219 8.875 413.74 80
8.625 413.74 65,000.00
FORTSON GA 31808 1 11/23/99 00
701075 05 01/01/00 0
701075 O 12/01/29
0
1961956 H37/G02 F 130,500.00 ZZ
360 130,500.00 2
592-594 WILDER STREET 9.250 1,073.59 90
9.000 1,073.59 145,000.00
LOWELL MA 01851 1 01/26/00 14
0431819234 05 03/01/00 25
00222374 N 02/01/30
0
1
1962033 Q99/G02 F 70,000.00 ZZ
360 69,960.76 1
76 STANLEY STREET 8.875 556.95 72
8.625 556.95 98,000.00
EAST HARTFORD CT 06108 5 01/21/00 00
0431801950 05 02/26/00 0
SMITH O 01/26/30
0
1962040 P64/G02 F 270,000.00 ZZ
360 269,870.65 1
1840,42,44,46 KNOLL BROOK PL 9.625 2,294.97 88
9.375 2,294.97 310,200.00
LEE'S SUMMIT MO 64086 1 12/08/99 11
0431778588 07 02/01/00 25
HMC990000858 N 01/01/30
0
1962079 Q64/G02 F 72,000.00 ZZ
360 72,000.00 1
120 ASH COURT 9.875 625.22 90
9.625 625.22 80,000.00
KINGSLAND GA 31548 1 01/06/00 11
0431800762 05 03/01/00 25
0100691708 N 02/01/30
0
1962091 227/G02 F 40,500.00 ZZ
360 40,500.00 1
616 WARRIOR TRAIL 9.000 325.88 90
8.750 325.88 45,000.00
GRAND PRAIRIE TX 75051 1 01/14/00 14
0431794486 05 03/01/00 25
1801367 N 02/01/30
0
1962100 313/G02 F 54,000.00 ZZ
360 53,967.28 2
108-110 ADAMS AKA 8.500 415.22 90
W ADAMS ST 8.250 415.22 60,000.00
PAULSBORO NJ 08066 1 01/05/00 01
0431779560 05 02/01/00 25
0006909469 N 01/01/30
0
1962101 H49/G02 F 70,000.00 ZZ
360 70,000.00 2
1
119 JACKSON STREET 9.750 601.41 90
9.500 601.41 78,000.00
TRENTON NJ 08611 1 01/12/00 11
0431820877 05 03/01/00 25
31719212 N 02/01/30
0
1962134 M05/G02 F 294,000.00 ZZ
360 294,000.00 2
43-24 194TH STREET 8.625 2,286.71 79
8.375 2,286.71 375,000.00
FLUSHING NY 11358 2 01/10/00 00
0431808765 07 03/01/00 0
PAOLANTONIO O 02/01/30
0
1962174 737/G02 F 140,000.00 ZZ
360 139,932.93 2
670 HOLMES STREET 9.625 1,189.99 80
9.375 1,189.99 175,000.00
ATLANTA GA 30318 5 12/17/99 00
0431740083 05 02/01/00 0
200268 N 01/01/30
0
1962184 J33/G02 F 78,000.00 ZZ
360 77,951.52 1
892 & 894 YORKSHIRE LANE 8.375 592.86 63
8.125 592.86 125,000.00
LAWRENCEVILLE GA 30045 5 12/10/99 00
0431750181 07 02/01/00 0
9946030295 O 01/01/30
0
1962190 J33/G02 F 144,281.00 ZZ
360 144,114.37 1
3849 CAIN MILL DRIVE 8.750 1,135.06 75
8.500 1,135.06 192,375.00
LITHONIA GA 30038 1 11/30/99 00
0431736156 05 01/01/00 0
9905350178 O 12/01/29
0
1962201 A02/G02 F 67,500.00 ZZ
360 67,467.67 1
306 SHAWNEE STREET 9.625 573.74 90
9.375 573.74 75,000.00
PARK FOREST IL 60466 1 12/13/99 10
0431735109 05 02/01/00 25
1
03084095 N 01/01/30
0
1962232 H37/G02 F 69,750.00 ZZ
360 69,750.00 4
5-7 SULLIVAN STREET 9.125 567.51 90
8.875 567.51 77,500.00
BIDDEFORD ME 04005 1 01/18/00 14
0431797794 05 03/01/00 25
00223072 N 02/01/30
0
1962242 M66/G02 F 108,000.00 ZZ
360 107,949.61 4
19 SOUTH STATE ROAD 9.750 927.89 90
9.500 927.89 120,000.00
UPPER DARBY PA 19082 1 12/30/99 01
0431821123 05 02/01/00 25
134885 N 01/01/30
0
1962244 F96/G02 F 184,500.00 ZZ
360 184,393.85 3
99 BARKLEY AVENUE 8.750 1,451.46 69
8.500 1,451.46 269,000.00
CLIFTON NJ 07011 1 12/10/99 00
0431738160 05 02/01/00 0
9902639 O 01/01/30
0
1962251 737/G02 F 152,000.00 ZZ
360 151,927.19 2
820 BERKELEY AVENUE 9.625 1,291.98 80
9.375 1,291.98 190,000.00
ATLANTA GA 30318 5 12/17/99 00
0431740141 05 02/01/00 0
2000269 N 01/01/30
0
1962291 737/G02 F 157,250.00 ZZ
360 157,161.84 1
4194 HORSESHOE DRIVE 8.875 1,251.15 85
8.625 1,251.15 185,000.00
STRASBURG CO 80136 5 12/22/99 14
0431742766 27 02/01/00 12
593559 O 01/01/30
0
1
1962317 F32/G02 F 69,600.00 ZZ
360 69,554.47 1
1090 BRITLEY PARK LANE 8.125 516.78 80
7.875 516.78 87,000.00
WOODSTOCK GA 30189 2 12/21/99 00
0431737378 05 02/01/00 0
407056897 N 01/01/30
0
1962347 R21/G02 F 87,590.00 ZZ
360 87,590.00 1
8219 S JEFFREY 9.750 752.53 95
9.500 752.53 92,200.00
CHICAGO IL 60617 1 01/11/00 10
0431771468 05 03/01/00 30
1962347 O 02/01/30
0
1962361 134/G02 F 216,000.00 ZZ
360 216,000.00 1
240 OAKRIDGE AVENUE 9.000 1,737.99 80
8.750 1,737.99 270,000.00
ATLANTA GA 30317 1 01/12/00 00
0431793058 05 03/01/00 0
9348517 N 02/01/30
0
1962375 163/G02 F 199,200.00 ZZ
360 199,079.32 1
22058 S BEAVERCREEK ROAD 8.500 1,531.68 80
8.250 1,531.68 249,000.00
BEAVERCREEK OR 97004 1 12/03/99 00
0431764430 05 02/01/00 0
817211600 O 01/01/30
0
1962395 K15/G02 F 113,800.00 ZZ
360 113,736.21 1
1398 MOSSWOOD AVENUE 8.875 905.44 85
8.625 905.44 134,000.00
ESCALON CA 95320 1 12/13/99 04
0431746072 05 02/01/00 12
3005491 O 01/01/30
0
1962401 811/G02 F 216,000.00 ZZ
360 215,869.15 1
918 BUENA VISTA AVENUE 8.500 1,660.85 80
8.250 1,660.85 270,000.00
1
ALAMEDA CA 94501 1 12/16/99 00
0431747674 03 02/01/00 0
FM00205129 O 01/01/30
0
1962402 K15/G02 F 228,000.00 ZZ
360 227,887.85 1
5112 CATHEDRAL OAKS ROAD 9.500 1,917.15 61
9.250 1,917.15 375,000.00
SANTA BARBARA CA 93111 1 12/08/99 00
0431747583 05 02/01/00 0
3005763 N 01/01/30
0
1962413 K15/G02 F 196,000.00 ZZ
360 195,903.60 1
723 NORTH ELIZABETH STREET 9.500 1,648.07 80
9.250 1,648.07 245,000.00
CHICAGO IL 60622 1 12/03/99 00
0431742410 05 02/01/00 0
3004406 O 01/01/30
0
1962442 227/G02 F 30,400.00 ZZ
360 30,400.00 1
3640 KENBROOKE COURT 9.625 258.40 95
9.375 258.40 32,000.00
KALAMAZOO MI 49006 1 01/14/00 11
0431796796 01 03/01/00 30
1861824 O 02/01/30
0
1962453 896/G02 F 81,000.00 ZZ
360 80,955.75 1
4951 TURTLE TRACE 9.000 651.75 90
8.750 651.75 90,000.00
MARIETTA GA 30062 1 12/15/99 10
0431747146 05 02/01/00 25
20126 N 01/01/30
0
1962459 F96/G02 F 102,800.00 ZZ
360 102,737.73 1
998 MCGUIRE DRIVE 8.500 790.44 80
8.250 790.44 128,500.00
DOVER TOWNSHIP NJ 08753 1 12/20/99 00
0431740406 05 02/01/00 0
9902873 O 01/01/30
0
1
1962490 129/G02 F 66,500.00 ZZ
360 66,465.52 1
22913 FRANCIS 9.250 547.08 70
9.000 547.08 95,000.00
ST CLAIR SHORES MI 48082 1 12/17/99 00
0431747898 05 02/01/00 0
3500433580 N 01/01/30
0
1962542 K79/G02 F 216,000.00 ZZ
360 216,000.00 1
300 COMMERCIAL ST UNIT 810 9.875 1,875.63 51
9.625 1,875.63 427,000.00
BOSTON MA 02109 2 01/11/00 00
0431779917 08 03/01/00 0
127670390857 N 02/01/30
0
1962550 P63/G02 F 56,250.00 ZZ
360 56,250.00 1
279 CLARK STREET UNIT 3C 9.375 467.86 75
9.125 467.86 75,000.00
HACKENSACK NJ 07601 2 01/07/00 00
0431778729 01 03/01/00 0
1962550 N 02/01/30
0
1962577 601/G02 F 148,350.00 ZZ
360 148,247.90 1
14366 S HOLLY CREST LN 7.875 1,075.65 74
7.625 1,075.65 202,500.00
OREGON CITY OR 97045 2 12/10/99 00
0431761238 05 02/01/00 0
60145190 O 01/01/30
0
1962578 601/G02 F 40,500.00 ZZ
360 40,480.59 1
384 MCPHERSON ST 9.625 344.25 90
9.375 344.25 45,000.00
MASFIELD OH 44903 2 12/16/99 10
0431751163 05 02/01/00 25
60145323 N 01/01/30
0
1962580 601/G02 F 68,800.00 ZZ
360 68,759.38 1
1
35 NORTHVIEW ST 8.625 535.12 80
8.375 535.12 86,000.00
ASHVILLE NC 28801 1 12/16/99 00
0431775956 05 02/01/00 0
60146875 O 01/01/30
0
1962583 601/G02 F 35,000.00 ZZ
360 34,976.51 1
8401 N NEW BRAUNFELS AVENUE 8.000 256.82 68
UNIT 142 7.750 256.82 52,000.00
SAN ANTONIO TX 78209 1 12/08/99 00
0431744721 04 02/01/00 0
20471207 N 01/01/30
0
1962598 601/G02 F 33,600.00 ZZ
360 33,583.90 1
86 HOME AVE 9.625 285.60 80
9.375 285.60 42,000.00
MANSFIELD OH 44902 5 12/08/99 00
0431747591 05 02/01/00 0
60145083 N 01/01/30
0
1962635 687/G02 F 133,650.00 ZZ
360 133,650.00 1
3507 MARIONWOOD DR 9.875 1,160.55 90
9.625 1,160.55 148,500.00
CHARLOTTE NC 28212 1 01/06/00 01
0431787159 05 03/01/00 25
9912291753 N 02/01/30
0
1962646 G18/G02 F 123,570.00 ZZ
360 123,570.00 1
7720 47 1/2 PLACE NORTH 9.250 1,016.58 90
9.000 1,016.58 137,300.00
MINNEAPOLIS MN 55428 1 01/07/00 12
0431763069 05 03/01/00 30
13FF09900300 N 02/01/30
0
1962655 P16/G02 F 66,000.00 ZZ
360 66,000.00 1
16490 W SHEDD ROAD 9.125 537.00 80
8.875 537.00 82,500.00
CASA GRANDE AZ 85222 5 01/05/00 00
0431804020 05 03/01/00 0
1
50005017 O 02/01/30
0
1962658 624/G02 F 463,800.00 ZZ
360 463,800.00 1
18545 POLVERA DRIVE 9.375 3,857.65 80
9.125 3,857.65 580,000.00
SAN DIEGO CA 92128 2 01/07/00 00
0431803089 03 03/01/00 0
37009190316 O 02/01/30
0
1962661 Q99/G02 F 56,000.00 ZZ
360 56,000.00 3
14 CAMPBELL ROAD 9.250 460.70 60
9.000 460.70 94,000.00
WARE MA 01082 5 01/10/00 00
0431773258 05 03/01/00 0
CAMPBELL N 02/01/30
0
1962667 637/G02 F 100,000.00 ZZ
360 99,942.46 1
566 TIMBER RIDGE DRIVE 8.750 786.71 80
8.250 786.71 125,000.00
PENSACOLA FL 32534 1 12/15/99 00
0431738848 05 02/01/00 0
19058866 O 01/01/30
0
1962669 966/G02 F 53,550.00 ZZ
360 53,525.01 1
510 22ND AVENUE NORTH 9.750 460.08 90
9.500 460.08 59,500.00
TEXAS CITY TX 77590 1 12/21/99 14
0431738772 05 02/01/00 25
91200260 O 01/01/30
0
1962671 M81/G02 F 102,000.00 ZZ
360 102,000.00 1
5800 GAZEBO ST 8.875 811.56 75
8.625 811.56 136,000.00
MILTON FL 32583 5 12/31/99 00
0431750314 05 03/01/00 0
92569860 O 02/01/30
0
1
1962673 Q76/G02 F 122,400.00 ZZ
360 122,334.86 1
3035 WEST BRENDA LOOP 9.125 995.89 90
8.875 995.89 136,000.00
FLAGSTAFF AZ 86001 1 12/30/99 10
0431749340 05 02/01/00 25
9912009 N 01/01/30
0
1962684 M29/G02 F 112,000.00 ZZ
360 112,000.00 1
916 29TH ST 8.875 891.12 70
8.625 891.12 160,000.00
DENVER CO 80205 5 01/18/00 00
0431795657 05 03/01/00 0
9910107NL N 02/01/30
0
1962687 811/G02 F 376,000.00 ZZ
360 375,783.68 1
276 WILDWOOD AVENUE 8.750 2,957.99 80
8.500 2,957.99 470,000.00
PIEDMONT CA 94610 1 12/15/99 00
0431753581 05 02/01/00 0
80038057 O 01/01/30
0
1962691 J92/G02 F 104,000.00 ZZ
360 104,000.00 1
56 COLLEGE ROAD 9.250 855.58 80
9.000 855.58 130,000.00
SELDEN NY 11784 1 01/12/00 00
0431781244 05 03/01/00 0
1991210083 O 02/01/30
0
1962695 K15/G02 F 153,000.00 ZZ
360 152,914.22 1
1728 EAST BLACKHAWK DRIVE 8.875 1,217.34 79
8.625 1,217.34 195,000.00
PHOENIX AZ 85024 5 12/14/99 00
0431744796 05 02/01/00 0
3005953 O 01/01/30
0
1962725 A50/A50 F 56,100.00 ZZ
360 56,067.72 1
2954 VICTORY CIRCLE 8.750 441.34 85
8.500 441.34 66,000.00
1
COLUMBUS GA 31909 5 12/20/99 01
701186 05 02/01/00 30
701186 O 01/01/30
0
1962731 M46/G02 F 96,000.00 ZZ
360 95,943.32 1
15014 FALLING CREEK DRIVE 8.625 746.68 80
8.375 746.68 120,000.00
HOUSTON TX 77068 1 12/16/99 00
0431745660 03 02/01/00 0
7353672 O 01/01/30
0
1962789 Q11/G02 F 104,400.00 ZZ
360 104,345.87 1
7820 CARLYLE AVENUE 9.250 858.88 90
9.000 858.88 116,000.00
MIAMI BEACH FL 33141 1 12/28/99 01
0431765122 05 02/01/00 25
9118011123 N 01/01/30
0
1962799 Q99/G02 F 97,000.00 ZZ
360 97,000.00 2
8 OAK STREET 8.875 771.78 52
8.625 771.78 189,000.00
EXETER NH 03833 5 01/11/00 00
0431772946 05 03/01/00 0
GLIDDEN O 02/01/30
0
1962843 P92/G02 F 216,300.00 ZZ
360 216,187.86 1
21646 MANDY LANE 9.250 1,779.45 80
9.000 1,779.45 270,425.00
GRETNA NE 68028 1 12/30/99 00
0431751866 03 02/01/00 0
0101036 O 01/01/30
0
1962853 F18/G02 F 101,500.00 ZZ
360 101,438.51 2
1017 TAYLOR AVENUE 8.500 780.45 70
8.250 780.45 145,000.00
VALLEJO CA 94591 5 12/13/99 00
0431747914 05 02/01/00 0
R02354 N 01/01/30
0
1
1962876 K15/G02 F 90,400.00 ZZ
360 90,346.63 1
194 HORSESHOE BEND ROAD 8.625 703.12 80
8.375 703.12 113,000.00
GOLDENDALE WA 98620 2 12/07/99 00
0431740075 05 02/01/00 0
3005587 O 01/01/30
0
1962885 K15/G02 F 144,000.00 ZZ
360 143,929.17 4
1141 ABCD BARSTOW ROAD 9.500 1,210.83 80
9.250 1,210.83 180,000.00
BARSTOW CA 92311 5 12/14/99 00
0431751189 05 02/01/00 0
3005909 N 01/01/30
0
1962886 K15/G02 F 199,000.00 ZZ
360 198,879.44 1
3500 COVELLO CIRCLE 8.500 1,530.14 80
8.250 1,530.14 250,000.00
CAMERON PARK CA 95682 2 12/01/99 00
0431751155 05 02/01/00 0
3004029 O 01/01/30
0
1962892 P79/G02 F 71,600.00 ZZ
360 71,600.00 1
11023 WEST OKEECHOBEE ROAD 8.750 563.28 80
#101 8.500 563.28 89,500.00
HIALEAH GARDENS FL 33018 1 01/10/00 00
0431776475 01 03/01/00 0
1962892 O 02/01/30
0
1962895 664/G02 F 125,000.00 ZZ
360 124,926.20 1
512 GROTON DRIVE 8.625 972.24 53
8.375 972.24 240,000.00
BURBANK CA 91504 5 12/13/99 00
0431748060 05 02/01/00 0
0003300514 O 01/01/30
0
1962914 A50/A50 F 171,900.00 T
360 171,577.23 1
1
2524 HIGHWAY 98 EAST 8.375 1,306.56 90
8.125 1,306.56 191,000.00
CARRABELLE FL 32322 2 11/02/99 11
126555 05 12/01/99 25
126555 O 11/01/29
0
1962916 K15/G02 F 110,000.00 ZZ
360 109,938.33 1
6082 WHITE SETTLEMENT ROAD 8.875 875.21 72
8.625 875.21 153,000.00
WEATHERFORD TX 76087 5 12/09/99 00
0431740174 05 02/01/00 0
3005443 O 01/01/30
0
1962920 A46/G02 F 71,100.00 ZZ
360 71,063.13 1
23 WEST BIGELOW OAK COURT 9.250 584.93 90
9.000 584.93 79,000.00
THE WOODLANDS TX 77381 1 12/15/99 04
0431740125 03 02/01/00 25
999999 N 01/01/30
0
1962991 P29/G02 F 38,250.00 ZZ
360 38,250.00 1
408 W. DUNKERTON 9.750 328.63 75
9.500 328.63 51,000.00
DUNKERTON IA 50626 5 01/12/00 00
0431787811 05 03/01/00 0
REED O 02/01/30
0
1962996 253/253 F 94,500.00 ZZ
360 94,445.62 1
13320 WESTVIEW AVE NE 8.750 743.44 90
8.500 743.44 105,000.00
ALBUQUERQUE NM 87123 5 12/13/99 14
947944 05 02/01/00 30
947944 O 01/01/30
0
1963029 709/G02 F 344,250.00 ZZ
360 344,051.94 1
54020 DAHLGREN ROAD 8.750 2,708.22 85
8.500 2,708.22 405,000.00
SCAPPOOSE OR 97056 5 12/20/99 10
0431820984 05 02/01/00 12
1
475103 O 01/01/30
0
1963040 E86/G02 F 62,000.00 ZZ
360 61,962.44 1
50 CARVER BLVD 8.500 476.73 80
8.250 476.73 78,000.00
BELLPORT NY 11713 1 12/27/99 00
0431750892 05 02/01/00 0
0000051034 O 01/01/30
0
1963127 Q73/G02 F 50,750.00 ZZ
360 50,721.55 1
318 N GROVE CIRCLE 8.875 403.79 70
8.625 403.79 72,500.00
BRANDON MS 39047 2 12/17/99 00
0431752377 05 02/01/00 0
991996 N 01/01/30
0
1963131 P92/G02 F 30,600.00 ZZ
360 30,560.84 1
450 WEST 7TH UNIT 110 1207 D 8.250 229.89 90
8.000 229.89 34,000.00
TULSA OK 74119 1 12/28/99 12
0431752344 01 02/01/00 25
600207 O 01/01/30
0
1963133 A02/G02 F 193,500.00 ZZ
360 193,394.31 1
2776 SOUTH JOSLIN COURT 9.000 1,556.94 90
8.750 1,556.94 215,000.00
DENVER CO 80227 1 12/20/99 10
0431753417 05 02/01/00 25
08990041 O 01/01/30
0
1963144 H93/G02 F 72,750.00 ZZ
360 72,665.97 1
406 ROSEBUD CIRCLE 8.750 572.33 75
8.500 572.33 97,000.00
ANDALE KS 67001 2 12/06/99 00
0431754316 05 01/01/00 0
9990039 O 12/01/29
0
1
1963155 H93/G02 F 42,210.00 ZZ
360 42,189.78 2
1017 GOODWIN AVENUE 9.625 358.78 9
9.375 358.78 469,000.00
LANCASTER OH 43130 1 12/13/99 00
0431740497 05 02/01/00 0
9989639 N 01/01/30
0
1963177 665/G02 F 211,500.00 ZZ
360 211,207.94 1
1511 RAINBOW DRIVE 7.875 1,533.52 84
7.625 1,533.52 252,500.00
HOLLISTER CA 95023 5 11/15/99 10
0431754365 05 01/01/00 12
2301233800 O 12/01/29
0
1963236 K15/G02 F 41,600.00 ZZ
360 41,551.95 1
5342 ALTO VISTA AVENUE 8.750 327.27 80
8.500 327.27 52,000.00
SHREVEPORT LA 71109 5 11/24/99 00
0431740547 05 01/01/00 0
4639 O 12/01/29
0
1963239 K15/G02 F 243,100.00 ZZ
360 242,948.90 2
1325 64TH STREET 8.375 1,847.74 74
8.125 1,847.74 330,000.00
BROOKLYN NY 11219 5 12/10/99 00
0431758598 05 02/01/00 0
005005300122 O 01/01/30
0
1963241 K15/G02 F 70,000.00 ZZ
360 69,961.76 1
3186 120TH AVENUE 9.000 563.24 84
8.750 563.24 84,000.00
NEW WINDSOR IL 61465 5 12/10/99 10
0431771252 05 02/01/00 12
029405422833 O 01/01/30
0
1963244 K15/G02 F 91,300.00 ZZ
360 91,247.47 1
3395 NORTH HENDERSON RD 8.750 718.26 85
8.500 718.26 107,500.00
1
RUSHVILLE IN 46173 5 12/13/99 10
0431771278 05 02/01/00 12
033705300145 O 01/01/30
0
1963245 K15/G02 F 70,300.00 ZZ
360 70,256.31 1
3347 CARDIFF AVE 8.375 534.33 80
8.125 534.33 88,000.00
CINCINNATI OH 45209 5 12/17/99 00
0431771260 05 02/01/00 0
028105300424 O 01/01/30
0
1963246 K15/G02 F 50,000.00 ZZ
360 49,972.69 1
303 COLLEGE STREET 9.000 402.31 68
8.750 402.31 74,000.00
BARBERTON OH 44203 5 12/17/99 00
0431755610 05 02/01/00 0
028005300102 O 01/01/30
0
1963297 L39/G02 F 92,000.00 ZZ
360 92,000.00 1
256 ALMOND AVENUE 8.625 715.57 80
8.375 715.57 115,000.00
MANTECA CA 95337 1 01/12/00 00
0431787464 05 03/01/00 0
MOTHERSHED N 02/01/30
0
1963303 L94/G02 F 334,500.00 ZZ
360 334,500.00 1
3720 NORTH SUNDIAL COURT 9.625 2,843.21 75
UNIT C415/415A 9.375 2,843.21 446,000.00
PARK CITY UT 84098 1 01/12/00 00
0431783968 08 03/01/00 0
1963303 N 02/01/30
0
1963425 J33/G02 F 90,250.00 ZZ
360 90,250.00 1
68 MCLEOD STREET 9.000 726.18 95
8.750 726.18 95,000.00
LYERLY GA 30730 1 01/11/00 12
0431802032 05 03/01/00 30
990152020348 O 02/01/30
0
1
1963467 623/G02 F 102,750.00 ZZ
360 102,521.12 1
104 CAROLYN DRIVE 8.375 780.98 75
8.125 780.98 137,000.00
AMERICAN CANYON CA 94589 1 11/05/99 00
0431745959 05 01/01/00 0
19213734 N 12/01/29
0
1963472 455/G02 F 52,500.00 ZZ
360 52,475.50 1
305 C WINDING RIVER DRIVE 9.750 451.06 75
9.500 451.06 70,000.00
DUNWOODY GA 30350 5 12/21/99 00
0431753276 01 02/01/00 0
09000138 N 01/01/30
0
1963485 455/G02 F 108,900.00 ZZ
360 108,849.19 1
3953 GREEN OAK DRIVE 9.750 935.62 90
9.500 935.62 121,000.00
DORAVILLE GA 30340 1 12/22/99 01
0431753425 05 02/01/00 25
09000143 N 01/01/30
0
1963487 455/G02 F 48,750.00 ZZ
360 48,727.25 1
365 A WINDING RIVER DRIVE 9.750 418.84 75
9.500 418.84 65,000.00
DUNWOODY GA 30350 2 12/21/99 00
0431753763 01 02/01/00 0
09000136 N 01/01/30
0
1963498 E62/G02 F 47,000.00 ZZ
360 46,977.48 1
1603 EZRA CHURCH DRIVE 9.625 399.50 56
9.375 399.50 85,000.00
ATLANTA GA 30314 5 12/22/99 00
0431749191 05 02/01/00 0
107746 N 01/01/30
0
1963579 R43/G02 F 114,300.00 ZZ
360 114,242.28 2
1
800 S DEPEYSTER 9.375 950.69 90
9.125 950.69 127,000.00
KENT OH 44240 1 12/22/99 12
0431783307 05 02/01/00 25
000002922 N 01/01/30
0
1963607 E23/G02 F 265,000.00 ZZ
360 264,839.46 1
3611 LOTUS DRIVE 8.500 2,037.62 71
8.250 2,037.62 375,000.00
SAN DIEGO CA 92106 1 12/28/99 00
0431751627 05 02/01/00 0
10510622 O 01/01/30
0
1963608 J95/J95 F 488,000.00 ZZ
360 487,375.50 1
2211 11TH AVENUE EAST 8.250 3,666.18 80
8.000 3,666.18 610,000.00
SEATTLE WA 98102 5 11/24/99 00
0022222004 05 01/01/00 0
0022222004 O 12/01/29
0
1963685 H47/G02 F 190,888.00 ZZ
360 190,778.17 1
5460 TILLER COURT 8.750 1,501.72 80
8.500 1,501.72 238,611.00
FORT COLLINS CO 80528 1 12/23/99 00
0431746643 03 02/01/00 0
MC00150000315 O 01/01/30
0
1963731 163/G02 F 147,600.00 ZZ
360 147,515.08 4
155 WAVERLY STREET 8.750 1,161.17 90
8.500 1,161.17 164,000.00
YONKERS NY 10703 1 12/14/99 04
0431760214 05 02/01/00 25
1000148389 O 01/01/30
0
1963742 F42/G02 F 175,500.00 ZZ
360 175,413.68 1
2616 KENNEDY BOULEVARD 9.500 1,475.70 90
9.250 1,475.70 195,000.00
UNION CITY NJ 07087 1 12/10/99 01
0431753458 05 02/01/00 30
1
NJ02579 N 01/01/30
0
1963744 F42/G02 F 170,000.00 ZZ
360 169,914.16 4
17201 N E 23RD AVENUE 9.375 1,413.97 89
9.125 1,413.97 193,000.00
NORTH MIAMI BEA FL 33160 1 12/16/99 04
0431753607 05 02/01/00 25
990ZO523 N 01/01/30
0
1963749 F42/G02 F 147,600.00 ZZ
360 147,510.58 1
174 IRISH LANE 8.500 1,134.92 80
8.250 1,134.92 184,500.00
ISLIP TERRACE NY 11752 1 12/09/99 00
0431753557 05 02/01/00 0
RS03193 O 01/01/30
0
1963761 P48/G02 F 26,550.00 ZZ
360 26,550.00 1
1714 IOWA AVENUE 9.750 228.11 90
9.500 228.11 29,500.00
SUPERIOR WI 54880 1 01/13/00 10
0431781475 05 03/01/00 25
1963761 N 02/01/30
0
1963800 455/G02 F 45,000.00 ZZ
360 44,979.01 1
1704 EVANS DRIVE SW 9.750 386.62 90
9.500 386.62 50,000.00
ATLATA GA 30310 1 12/17/99 01
0431750983 05 02/01/00 25
22000127 N 01/01/30
0
1963804 K15/G02 F 108,400.00 ZZ
360 108,323.49 1
762 S MAIN ST 7.750 776.59 80
7.500 776.59 135,900.00
DEGRAFF OH 43318 5 12/15/99 00
0431745504 05 02/01/00 0
028505300411 O 01/01/30
0
1
1963807 Q59/G02 F 229,440.00 ZZ
360 229,307.99 3
1346 AZALEA STREET 8.750 1,805.01 90
8.500 1,805.01 255,000.00
OXNARD CA 93030 1 12/17/99 11
0431749670 05 02/01/00 25
99001525 O 01/01/30
0
1963814 637/G02 F 72,000.00 ZZ
360 71,959.63 3
27 EAST WOODWARD DRIVE 8.875 572.87 71
8.625 572.87 102,000.00
PHOENIX AZ 85004 2 12/16/99 00
0431807718 05 02/01/00 0
0017354614 N 01/01/30
0
1963818 163/G02 F 105,000.00 ZZ
360 104,936.39 1
48 WEST BROADWAY #140N 8.500 807.36 62
8.250 807.36 172,000.00
SALT LAKE CITY UT 84101 5 11/30/99 00
0431751403 06 02/01/00 0
0217194913 O 01/01/30
0
1963820 K21/G02 F 448,000.00 ZZ
360 448,000.00 1
323 WESTBOURNE DRIVE 9.000 3,604.71 80
8.750 3,604.71 560,000.00
WEST HOLLYWOOD CA 90048 5 12/29/99 00
0431758556 05 03/01/00 0
9911709 O 02/01/30
0
1963825 637/G02 F 188,000.00 ZZ
360 187,897.31 1
3178 FENTON AVENUE 9.000 1,512.69 80
8.750 1,512.69 235,000.00
BRONX NY 10469 1 12/23/99 00
0431748573 05 02/01/00 0
0013309828 O 01/01/30
0
1963828 637/G02 F 40,050.00 ZZ
360 40,030.29 1
6712 OVERPARK COURT 9.500 336.77 90
9.250 336.77 44,500.00
1
DALLAS TX 75217 1 12/17/99 11
0431748342 05 02/01/00 25
0019014257 N 01/01/30
0
1963833 K44/G02 F 371,300.00 ZZ
360 371,050.86 1
31 MOORE ROAD 8.000 2,724.47 80
7.750 2,724.47 464,351.00
NOVATO CA 94949 1 12/13/99 00
0431773068 03 02/01/00 0
001002486 O 01/01/30
0
1963836 967/G02 F 71,200.00 ZZ
360 71,157.96 1
783 LEISURE WORLD 8.625 553.79 80
8.375 553.79 89,000.00
MESA AZ 85206 1 12/24/99 00
0431760743 03 02/01/00 0
6008189 N 01/01/30
0
1963842 R68/G02 F 144,000.00 ZZ
360 143,914.98 1
16371 SW 92ND COURT 8.625 1,120.02 90
8.375 1,120.02 160,000.00
MIAMI FL 33157 1 12/30/99 10
0431760339 05 02/01/00 25
995495 O 01/01/30
0
1963845 F18/G02 F 208,000.00 ZZ
360 207,873.98 2
14510 LARK STREET 8.500 1,599.35 80
8.250 1,599.35 260,000.00
SAN LEANDRO CA 94578 1 12/30/99 00
0431751130 05 02/01/00 0
R02373 O 01/01/30
0
1963852 G52/G02 F 126,000.00 ZZ
360 125,938.02 3
40470 40480 40490 MYOMA STREET 9.500 1,059.48 90
9.250 1,059.48 140,000.00
INDIO AREA CA 92203 1 12/27/99 10
0431786656 05 02/01/00 25
89503439 N 01/01/30
0
1
1963853 637/G02 F 65,700.00 ZZ
360 65,564.11 1
97 LAKEVIEW DRIVE 9.000 528.64 90
8.750 528.64 73,000.00
ASHFORD CT 06278 1 12/23/99 14
0431750504 05 02/01/00 25
0018802637 O 01/01/30
0
1963854 637/G02 F 90,300.00 ZZ
360 90,237.12 2
40-42 ROY AVENUE 8.500 694.33 80
8.250 694.33 112,900.00
MANCHESTER NH 03104 1 12/23/99 00
0431751494 05 02/01/00 0
0016655268 N 01/01/30
0
1963857 637/G02 F 172,850.00 ZZ
360 172,760.39 1
14530 SW 33RD COURT 9.250 1,422.00 70
9.000 1,422.00 246,990.00
MIRAMAR FL 33027 1 12/20/99 00
0431750850 03 02/01/00 0
0011314465 O 01/01/30
0
1963861 637/G02 F 75,000.00 ZZ
360 74,955.71 1
3713 S GEORGE MASON #508W 8.625 583.35 80
8.375 583.35 94,000.00
FALLS CHURCH VA 22041 1 12/20/99 00
0431802081 06 02/01/00 0
0019155886 O 01/01/30
0
1963870 K15/G02 F 220,000.00 ZZ
360 219,870.11 1
2163 EAST MALLORY STREET 8.625 1,711.14 67
8.375 1,711.14 330,000.00
MESA AZ 85213 2 12/21/99 00
0431762962 05 02/01/00 0
3005687 O 01/01/30
0
1963874 E11/G02 F 165,600.00 ZZ
360 165,507.16 1
1
360 S CENTRAL AVENUE #2 8.875 1,317.59 80
8.625 1,317.59 207,000.00
WAYZATA MN 55391 1 12/29/99 00
0431748789 01 02/01/00 0
3001020150 N 01/01/30
0
1963880 637/G02 F 130,500.00 ZZ
360 130,349.27 3
125 SPENCER AVE 8.750 1,026.65 90
8.500 1,026.65 145,000.00
CHELSEA MA 02150 1 11/08/99 14
0431751742 05 01/01/00 25
18791038 N 12/01/29
0
1963898 K15/G02 F 195,300.00 ZZ
360 195,175.47 1
31948 HIGHWAY 71 8.250 1,467.22 90
8.000 1,467.22 217,000.00
SNYDER CO 80750 2 12/16/99 01
0431749027 05 02/01/00 25
3005820 O 01/01/30
0
1963906 637/G02 F 107,100.00 ZZ
360 107,031.70 1
2456 CLIPPER WAY 8.250 804.61 86
7.750 804.61 125,000.00
NAPLES FL 34104 1 12/20/99 04
0431748474 05 02/01/00 25
19060359 O 01/01/30
0
1963908 R61/G02 F 140,000.00 ZZ
360 139,912.97 1
3139 S KENILWORTH AVE 8.375 1,064.11 79
8.125 1,064.11 178,000.00
BERWYN IL 60402 5 12/06/99 00
0431751536 05 02/01/00 0
10631 O 01/01/30
0
1963915 883/G02 F 53,850.00 ZZ
360 53,823.51 1
1156 SE 33RD AVENUE 9.500 452.80 90
9.250 452.80 59,870.00
OCALA FL 34471 1 12/28/99 14
0431759422 05 02/01/00 25
1
50000447 N 01/01/30
0
1963921 637/G02 F 144,000.00 ZZ
360 143,912.76 1
806 NORTHGRAVES AVENUE 8.500 1,107.24 78
8.250 1,107.24 185,000.00
CHICO CA 95928 5 12/16/99 00
0431753185 05 02/01/00 0
0016944845 O 01/01/30
0
1963937 967/G02 F 69,600.00 ZZ
360 69,558.91 1
968 LEISURE WORLD 8.625 541.34 80
8.375 541.34 87,000.00
MESA AZ 85206 1 12/24/99 00
0431759679 03 02/01/00 0
6008122 N 01/01/30
0
1963955 A50/A50 F 56,700.00 ZZ
360 56,669.03 3
427 BAYLISS COURT 9.000 456.22 90
8.750 456.22 63,000.00
PENSACOLA FL 32505 1 12/17/99 04
127250 05 02/01/00 25
127250 N 01/01/30
0
1963965 637/G02 F 229,600.00 ZZ
360 229,354.16 1
60 BOURNE STREET 9.125 1,868.11 80
8.875 1,868.11 287,000.00
JAMAICA PLAIN MA 02130 2 11/26/99 00
0431748532 05 01/01/00 0
0018801647 O 12/01/29
0
1963968 637/G02 F 47,000.00 ZZ
360 46,972.24 1
. OLD STAGE COACH 8.625 365.57 74
8.375 365.57 64,000.00
OLD TOWN ME 04468 1 12/22/99 00
0431748417 05 02/01/00 0
0016456766 O 01/01/30
0
1
1963984 A33/G02 F 285,600.00 ZZ
360 284,935.50 1
15 ANTLER LANE 8.750 2,246.82 80
8.500 2,246.82 357,000.00
SEDONA AZ 86336 1 09/03/99 00
0431802727 05 11/01/99 0
506079281 O 10/01/29
0
1963997 A02/G02 F 85,550.00 ZZ
360 85,506.80 1
120 HILTON PLACE 9.375 711.56 95
9.125 711.56 90,100.00
ELGIN IL 60120 1 01/04/00 10
0431753482 05 02/01/00 30
03991361 O 01/01/30
0
1964001 P92/G02 F 40,000.00 ZZ
360 39,974.49 1
6916 LAFAYETTE AVENUE 8.250 300.51 80
8.000 300.51 50,000.00
OMAHA NE 68132 1 12/17/99 00
0431746478 05 02/01/00 0
0101220 N 01/01/30
0
1964010 664/G02 F 324,000.00 ZZ
360 323,793.39 1
5100 SW HEWETT BLVD 8.250 2,434.11 80
8.000 2,434.11 405,000.00
PORTLAND OR 97221 1 12/20/99 00
0431771682 05 02/01/00 0
0003234960 O 01/01/30
0
1964014 M92/G02 F 132,000.00 ZZ
360 132,000.00 1
2614 SLEEPY HOLLOW AVENUE 9.000 1,062.10 80
8.750 1,062.10 165,000.00
HAYWARD CA 94545 1 01/12/00 00
0431801992 05 03/01/00 0
1964014 N 02/01/30
0
1964056 P86/G02 F 251,250.00 ZZ
360 251,085.65 1
177 SAN PEDRO CIRCLE 8.125 1,865.52 75
7.875 1,865.52 335,000.00
1
SAN JOSE CA 95110 5 12/16/99 00
0431751064 01 02/01/00 0
99021095 O 01/01/30
0
1964059 742/G02 F 100,398.00 ZZ
360 100,340.24 3
3823 JOHN AVENUE 8.750 789.83 80
8.500 789.83 125,500.00
CLEVELAND OH 44113 1 12/22/99 00
0431758705 05 02/01/00 0
4893327 N 01/01/30
0
1964135 575/G02 F 66,300.00 ZZ
360 66,257.72 1
112 VALIREY DRIVE 8.250 498.09 80
8.000 498.09 82,900.00
HAMPTON VA 23669 1 12/30/99 00
0431749431 05 02/01/00 0
4364758 N 01/01/30
0
1964146 N66/G02 F 420,000.00 ZZ
360 420,000.00 1
292 TACONIC AVENUE 8.500 3,229.44 75
8.250 3,229.44 560,000.00
MANCHESTER VT 05254 1 01/28/00 00
0431813567 05 03/01/00 0
99M0478 O 02/01/30
0
1964167 455/G02 F 47,700.00 ZZ
360 47,678.32 1
1446 INVERNESS DRIVE 9.875 414.21 90
9.625 414.21 53,005.00
STONE MOUNTAIN GA 30083 1 12/23/99 01
0431759539 07 02/01/00 25
22000135 N 01/01/30
0
1964175 K15/G02 F 400,000.00 ZZ
360 399,775.75 1
1144 WAVELAND DRIVE 8.875 3,182.58 80
8.625 3,182.58 500,000.00
LAKE FOREST IL 60045 5 12/13/99 00
0431771864 05 02/01/00 0
3006155 O 01/01/30
0
1
1964178 K15/G02 F 220,000.00 ZZ
360 219,866.72 1
9125 MAPLE ROAD 8.500 1,691.61 69
8.250 1,691.61 320,000.00
SNOHOMISH WA 98296 1 12/10/99 00
0431771591 05 02/01/00 0
3006125 O 01/01/30
0
1964190 183/G02 F 151,920.00 ZZ
360 151,023.80 1
10436 DUSTIN ROAD 9.375 1,263.60 80
9.125 1,263.60 190,000.00
FORESTPORT NY 13438 1 12/21/99 00
0431750173 05 01/21/00 0
800219875 O 12/21/29
0
1964215 J40/G02 F 110,400.00 ZZ
360 110,331.38 1
24 RAINBOW MOUNTAIN DRIVE 8.375 839.12 80
8.125 839.12 138,000.00
ELLIJAY GA 30540 2 12/17/99 00
0431749662 05 02/01/00 0
7659482 O 01/01/30
0
1964220 A52/G02 F 35,900.00 ZZ
360 35,879.87 1
3097 M COLONIAL WAY 8.875 285.64 75
8.625 285.64 47,900.00
CHAMBLEE GA 30341 1 12/29/99 00
0431760933 01 02/01/00 0
0390154 N 01/01/30
0
1964244 L47/G02 F 65,700.00 ZZ
360 65,635.12 1
42 PROSPECT PARKWAY 9.500 552.44 90
9.250 552.44 73,000.00
PORTSMOUTH VA 23702 1 11/05/99 04
0431797281 05 01/01/00 25
0050063790 N 12/01/29
0
1964245 N84/G02 F 52,800.00 ZZ
360 52,800.00 1
1
5819 HOLLOW PINE 8.875 420.10 80
8.625 420.10 66,000.00
HOUSTON TX 77049 5 01/14/00 00
0431789445 03 03/01/00 0
NAIR N 02/01/30
0
1964246 N84/G02 F 56,000.00 ZZ
360 56,000.00 1
5714 HOPETOWN 8.875 445.56 80
8.625 445.56 70,000.00
HOUSTON TX 77049 5 01/14/00 00
0431787084 03 03/01/00 0
NAIR N 02/01/30
0
1964252 N84/G02 F 56,800.00 ZZ
360 56,800.00 1
14007 MERRY MEADOW 8.875 451.93 80
8.625 451.93 71,000.00
HOUSTON TX 77049 5 01/14/00 00
0431789387 03 03/01/00 0
NAIR N 02/01/30
0
1964259 E11/G02 F 118,500.00 ZZ
360 118,428.21 1
13575 N FREELAND AVENUE 8.500 911.16 75
8.250 911.16 158,000.00
HUGO MN 55038 1 12/30/99 00
0431754621 05 02/01/00 0
10001019041 N 01/01/30
0
1964263 M39/G02 F 141,600.00 ZZ
360 141,600.00 1
2309 SOUTH COLINA VISTA DRIVE 8.875 1,126.63 80
8.625 1,126.63 178,500.00
WASHINGTON UT 84780 2 12/30/99 00
0431759612 05 03/01/00 0
389981 O 02/01/30
0
1964264 664/G02 F 192,000.00 ZZ
360 191,889.53 1
3521 S EUDORA WAY 8.750 1,510.47 80
8.500 1,510.47 240,000.00
DENVER CO 80237 1 12/29/99 00
0431771286 05 02/01/00 0
1
3249638 O 01/01/30
0
1964271 G52/G02 F 262,500.00 ZZ
360 262,367.44 1
9671 NORTH HORIZON VISTA PLACE 9.375 2,183.34 75
9.125 2,183.34 350,000.00
ORO VALLEY AZ 85737 1 12/30/99 00
0431754209 03 02/01/00 0
99004021 O 01/01/30
0
1964273 R61/G02 F 103,200.00 ZZ
360 103,135.85 1
8015 W O'CONNOR ST 3D 8.375 784.40 80
8.125 784.40 129,000.00
RIVER GROVE IL 60171 1 12/03/99 00
0431759752 08 02/01/00 0
10860 O 01/01/30
0
1964275 S11/G02 F 108,000.00 ZZ
360 107,939.45 1
19901 NW 86TH COURT 8.875 859.30 80
8.625 859.30 135,000.00
MIAMI FL 33015 1 12/15/99 00
0431751940 03 02/01/00 0
10200132 O 01/01/30
0
1964277 E11/G02 F 152,000.00 ZZ
360 151,910.26 2
5508 S PENN AVENUE 8.625 1,182.24 80
8.375 1,182.24 190,000.00
MINNEAPOLIS MN 55419 5 12/30/99 00
0431768688 05 02/01/00 0
2001019911 N 01/01/30
0
1964515 455/G02 F 74,800.00 ZZ
360 74,759.14 1
166 POLAR ROCK ROAD 9.000 601.86 85
8.750 601.86 88,000.00
ATLANTA GA 30315 1 12/23/99 01
0431758952 05 02/01/00 12
09000135 N 01/01/30
0
1
1964521 455/G02 F 42,300.00 ZZ
360 42,300.00 2
66 A & B CHESTER AVE SE 9.875 367.32 90
9.625 367.32 47,000.00
ATLANTA GA 30316 1 01/04/00 01
0431759083 05 03/01/00 25
09000155 N 02/01/30
0
1964522 455/G02 F 43,650.00 ZZ
360 43,650.00 2
70 A & B CHESTER AVE SE 9.875 379.04 90
9.625 379.04 48,500.00
ATLANTA GA 30316 1 01/04/00 01
0431759323 05 03/01/00 25
0900154 N 02/01/30
0
1964528 455/G02 F 100,000.00 ZZ
360 99,943.93 1
990 OUSLEY PLACE 8.875 795.65 80
8.625 795.65 125,000.00
MACON GA 31210 1 12/31/99 00
0431758697 05 02/01/00 0
09000152 O 01/01/30
0
1964559 E40/G02 F 233,100.00 ZZ
360 233,100.00 3
94-96 GRANITE AVENUE 9.000 1,875.58 90
8.750 1,875.58 259,000.00
DORCHESTER MA 02124 1 01/05/00 04
0431765486 05 03/01/00 25
199900615 N 02/01/30
0
1964571 E11/G02 F 266,000.00 ZZ
360 265,838.86 1
3574 BAILEY RIDGE ALCOVE 8.500 2,045.31 93
8.250 2,045.31 288,000.00
WOODBURY MN 55125 1 01/04/00 12
0431754100 05 02/01/00 30
0002001012201 O 01/01/30
0
1964575 940/G02 F 365,228.00 ZZ
360 365,012.37 1
1120 COOKE AVENUE 8.625 2,840.71 80
8.375 2,840.71 456,535.00
1
CLAREMONT CA 91711 1 12/21/99 00
0431754969 05 02/01/00 0
CP1002 O 01/01/30
0
1964576 129/G02 F 71,800.00 T
360 71,762.78 1
16228 N 160TH AVE 9.250 590.68 59
9.000 590.68 123,712.00
SURPRISE AZ 85374 1 12/27/99 00
0431798156 03 02/01/00 0
3500440767 O 01/01/30
0
1964584 940/G02 F 103,550.00 ZZ
360 103,483.97 3
119,121,123 MAITLAND STREET 8.250 777.94 95
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ONTARIO CA 91762 1 12/29/99 10
0431754530 05 02/01/00 30
UP1129 O 01/01/30
0
1964598 573/G02 F 163,400.00 ZZ
360 163,315.29 2
4821 LA SENA AVENUE #1 & #2 9.250 1,344.25 95
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BALDWIN PARK CA 91706 1 12/15/99 04
0431758812 05 02/01/00 30
157330 O 01/01/30
0
1964609 L13/G02 F 130,150.00 ZZ
360 130,150.00 2
492 UTAH AVENUE 8.375 989.23 95
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PROVO UT 84606 2 01/14/00 10
0431800770 05 03/01/00 30
CURTIS O 02/01/30
0
1964616 K15/G02 F 191,700.00 ZZ
360 191,700.00 2
2012 WATSON AVE 8.750 1,508.10 80
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BRONX NY 10472 2 01/05/00 00
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1
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360 69,960.76 1
2767 ROUTE 207 8.875 556.95 63
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CAMPBELL HALL NY 10916 5 12/20/99 00
0431753805 05 02/01/00 0
62007433 N 01/01/30
0
1964646 R61/G02 F 232,407.00 ZZ
360 232,280.05 2
1411 N OAKLEY BLVD 9.000 1,870.00 90
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CHICAGO IL 60622 1 12/17/99 04
0431782481 05 02/01/00 25
10946 O 01/01/30
0
1964671 R61/G02 F 221,250.00 ZZ
360 221,122.70 1
11272 RANCH PLACE 8.750 1,740.58 75
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DENVER CO 80234 5 12/14/99 00
0431770197 03 02/01/00 0
11225 O 01/01/30
0
1964674 M29/G02 F 161,600.00 ZZ
360 161,509.40 1
17873 EAST BERRY AVENUE 8.875 1,285.77 80
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AURORA CO 80015 1 12/30/99 00
0431802149 05 02/01/00 0
0390133 O 01/01/30
0
1964723 313/G02 F 82,350.00 ZZ
360 82,307.30 2
1626-26A NORTH WARREN AVENUE 9.250 677.48 90
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MILWAUKEE WI 53202 1 12/29/99 10
0431753722 05 02/01/00 25
6895957 N 01/01/30
0
1964724 Q48/G02 F 184,000.00 ZZ
360 184,000.00 1
1
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AIRMONT NY 10952 1 01/14/00 00
0431795699 05 03/01/00 0
1964724 O 02/01/30
0
1964728 M96/G02 F 36,800.00 ZZ
360 36,800.00 1
620 PLEASANT STREET SE 9.500 309.43 80
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GRAND RAPIDS MI 49503 1 01/06/00 00
0431781657 05 03/01/00 0
106053606 O 02/01/30
0
1964733 L16/G02 F 155,000.00 ZZ
360 155,000.00 1
1137 ADAMS STREET 8.500 1,191.82 62
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DENVER CO 80206 5 01/04/00 00
0431758721 05 03/01/00 0
99120017 O 02/01/30
0
1964778 J54/G02 F 68,000.00 ZZ
360 67,903.89 1
1633 E ROCKWELL AVENUE 7.760 487.63 80
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SPOKANE WA 99207 2 11/23/99 00
0431801539 05 01/01/00 0
9729526 O 12/01/29
0
1964782 J54/G02 F 83,200.00 ZZ
360 83,087.75 1
2501 W LIBERTY AVENUE 7.990 609.91 80
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SPOKANE WA 99205 2 11/22/99 00
0431801547 05 01/01/00 0
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0
1964786 J54/G02 F 176,000.00 ZZ
360 175,750.75 1
9202 RONDA AVENUE 7.750 1,260.89 80
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SAN DIEGO CA 92123 2 11/20/99 00
0431801554 05 01/01/00 0
1
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1964796 J54/G02 F 25,600.00 ZZ
360 25,587.38 1
1341 4TH STREET NORTH WEST 9.490 215.07 80
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CEDAR RAPIDS IA 52405 1 12/03/99 00
0431801588 05 02/01/00 0
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0
1964815 J54/G02 F 89,500.00 ZZ
360 89,401.66 1
80720 COLUMBIA AVENUE 8.990 719.49 80
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INDIO CA 92201 5 11/12/99 00
0431801596 05 01/01/00 0
9704884 O 12/01/29
0
1964820 J54/G02 F 138,000.00 ZZ
360 137,918.53 1
1444 EAST CORSON STREET 8.625 1,073.35 73
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PASADENA CA 91106 5 12/01/99 00
0431801612 05 02/01/00 0
9734791 O 01/01/30
0
1964829 J54/G02 F 38,500.00 ZZ
360 38,287.24 1
698 SOUTHEAST 2ND STREET 7.990 282.23 73
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ONTARIO OR 97914 5 11/08/99 00
0431801638 05 01/01/00 0
9744282 O 12/01/29
0
1964830 J54/G02 F 70,400.00 ZZ
360 70,302.78 1
1111 BRIARWOOD DR 7.875 510.45 80
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NAMPA ID 83651 2 11/23/99 00
0431801687 05 01/01/00 0
9717633 O 12/01/29
0
1
1964924 B85/G02 F 182,000.00 ZZ
360 182,000.00 3
108-110 TRENTON STREET 9.750 1,563.66 70
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EAST BOSTON MA 02128 5 01/07/00 00
0431754159 05 03/01/00 0
0390525 N 02/01/30
0
1964942 F96/G02 F 199,500.00 ZZ
360 199,388.16 3
312 LIBERTY AVENUE 8.875 1,587.31 95
8.625 1,587.31 210,000.00
CITY OF JERSEY NJ 07307 1 12/30/99 12
0431754183 05 02/01/00 30
9902896 O 01/01/30
0
1964971 P48/G02 F 138,600.00 ZZ
360 138,600.00 1
2426 HAMLINE AVENUE N 9.875 1,203.53 90
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ROSEVILLE MN 55113 1 01/18/00 14
0431801935 05 03/01/00 25
1964971 N 02/01/30
0
1964991 964/G02 F 145,500.00 ZZ
360 145,411.85 1
102 CHINOOK AVENUE 8.500 1,118.77 77
8.250 1,118.77 190,000.00
ENUMCLAW WA 98022 5 12/17/99 00
0431759240 05 02/01/00 0
68668 O 01/01/30
0
1964997 964/G02 F 100,000.00 ZZ
360 99,946.79 1
406 PEACHTREE LANE 9.125 813.63 53
8.875 813.63 192,000.00
PASO ROBLES CA 93446 5 12/21/99 00
0431758937 05 02/01/00 0
68418 N 01/01/30
0
1965002 964/G02 F 77,000.00 ZZ
360 76,954.54 1
5508 TROY STREET 8.625 598.90 70
8.375 598.90 110,000.00
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DENVER CO 80239 5 12/30/99 00
0431759307 05 02/01/00 0
68878 O 01/01/30
0
1965003 964/G02 F 88,000.00 ZZ
360 87,955.56 1
6565 IRVING STREET 9.375 731.94 80
9.125 731.94 110,000.00
DENVER CO 80221 1 12/31/99 00
0431758994 05 02/01/00 0
69655 N 01/01/30
0
1965025 967/G02 F 100,000.00 ZZ
360 99,942.47 1
25916 NORTH 157TH AVENUE 8.750 786.70 80
8.500 786.70 125,000.00
WEST SUN CITY AZ 85375 5 12/27/99 00
0431758333 05 02/01/00 0
6005250 O 01/01/30
0
1965049 E76/G02 F 66,300.00 ZZ
360 66,267.39 2
121 QUAIL COVE 9.500 557.49 65
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LOCKHART TX 78644 5 12/30/99 00
0431760172 05 02/01/00 0
9999999 N 01/01/30
0
1965054 E65/G02 F 20,000.00 ZZ
360 19,989.63 2
16220 GREENFIELD 9.250 164.54 59
9.000 164.54 34,000.00
DETROIT MI 48235 1 01/03/00 00
0431763416 07 02/01/00 0
228058 N 01/01/30
0
1965059 511/511 F 400,000.00 ZZ
360 399,751.38 1
533 ROOKWOOD PLACE 8.375 3,040.29 71
8.125 3,040.29 569,000.00
CHARLOTTESVILLE VA 22903 1 12/15/99 00
830908 03 02/01/00 0
830908 O 01/01/30
0
1
1965071 F96/G02 F 166,250.00 ZZ
360 166,250.00 3
82 SCHEERER AVENUE 9.875 1,443.63 95
9.625 1,443.63 175,000.00
NEWARK NJ 07112 1 01/07/00 10
0431765965 05 03/01/00 30
9903107 O 02/01/30
0
1965084 E86/G02 F 115,500.00 ZZ
360 115,500.00 3
13 THIRD STREET 8.875 918.97 70
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HAVERSTRAW NY 10927 1 01/07/00 00
0431821511 05 03/01/00 0
0000047839 N 02/01/30
0
1965099 A38/G02 F 39,600.00 ZZ
360 39,579.47 1
45 W MOUNTAIN CREEK 9.250 325.78 90
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GRAND PRAIRIE TX 75052 1 01/05/00 19
0431767656 09 02/01/00 25
1231736 N 01/01/30
0
1965100 P48/G02 F 130,950.00 ZZ
360 130,950.00 1
2075 WATSON AVENUE 9.875 1,137.10 90
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ST PAUL MN 55116 1 01/18/00 14
0431801885 05 03/01/00 25
1965100 N 02/01/30
0
1965102 299/G02 F 467,500.00 ZZ
360 466,901.71 1
3101 CARMEL STREET 8.250 3,512.18 85
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DENTON TX 76205 1 11/22/99 12
0431798354 05 01/01/00 12
0137542858 O 12/01/29
0
1965107 M11/G02 F 64,800.00 ZZ
360 64,763.67 1
1
4930 LAHOMA STREET 8.875 515.58 90
8.625 515.58 72,000.00
DALLAS TX 75235 1 12/28/99 04
0431770023 01 02/01/00 25
1100012 N 01/01/30
0
1965118 P48/G02 F 95,850.00 ZZ
360 95,850.00 1
735 MONTANA AVENUE E 9.875 832.31 90
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ST PAUL MN 55106 1 01/18/00 10
0431801893 05 03/01/00 25
1965118 N 02/01/30
0
1965167 N71/G02 F 70,400.00 ZZ
360 70,400.00 1
10930 SW 160TH STREET 8.000 516.57 80
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MIAMI FL 33157 1 01/06/00 00
0431767599 05 03/01/00 0
36611199 O 02/01/30
0
1965171 J54/G02 F 102,400.00 ZZ
360 102,267.35 1
822 HOSTETLER STREET WEST 8.190 764.98 80
7.940 764.98 128,000.00
THE DALLES OR 97058 2 11/17/99 00
0431801695 05 01/01/00 0
9702598 O 12/01/29
0
1965184 Q70/G02 F 29,700.00 ZZ
360 29,686.86 1
117 NORTH FLORENCE PLACE 10.000 260.64 90
9.750 260.64 33,000.00
TULSA OK 74110 1 12/29/99 04
0431773233 05 02/01/00 25
8111484 N 01/01/30
0
1965185 M66/G02 F 68,000.00 ZZ
360 67,960.87 1
241 ELM STREET 8.750 534.96 80
8.500 534.96 85,000.00
READING PA 19606 1 12/27/99 00
0431765940 07 02/01/00 0
1
134827 O 01/01/30
0
1965188 F62/G02 F 102,200.00 T
360 102,136.47 1
737 NW 208 DRIVE 8.375 776.80 90
8.125 776.80 113,565.00
PEMBROKE PINES FL 33029 1 12/27/99 04
0431796309 09 02/01/00 25
590254670 O 01/01/30
0
1965189 N94/G02 F 247,350.00 ZZ
360 247,350.00 1
6 WHITTIER PLACE, UNIT 3D-6 9.500 2,079.85 85
9.250 2,079.85 291,000.00
BOSTON MA 02114 1 01/14/00 11
0431792068 06 03/01/00 25
93588560 O 02/01/30
0
1965245 455/G02 F 110,400.00 ZZ
359 110,400.00 1
210 KENT DRIVE 8.500 848.89 80
8.250 848.89 138,000.00
MACON GA 31206 2 01/06/00 00
0431769959 05 03/01/00 0
09000157 O 01/01/30
0
1965290 F18/G02 F 227,150.00 ZZ
360 227,150.00 1
1774 INDIAN WELLS WAY 8.750 1,786.99 70
8.500 1,786.99 325,000.00
CLAYTON CA 94517 5 01/05/00 00
0431780253 09 03/01/00 0
R02382 O 02/01/30
0
1965297 313/G02 F 175,000.00 ZZ
360 175,000.00 1
60 KIMBARK 8.750 1,376.73 78
8.500 1,376.73 225,000.00
RIVERDALE IL 60546 1 01/04/00 00
0431788652 05 03/01/00 0
6943930 O 02/01/30
0
1
1965310 163/G02 F 110,000.00 ZZ
360 109,928.04 1
7117 NE 399TH STREET 8.125 816.75 55
7.875 816.75 203,500.00
LA CENTER WA 98629 1 12/13/99 00
0431778026 05 02/01/00 0
817220825 O 01/01/30
0
1965313 163/G02 F 45,500.00 ZZ
360 45,474.49 1
416 N CYPRESS DRIVE C 8.875 362.02 65
8.625 362.02 70,000.00
TEQUESTA FL 33469 5 12/20/99 00
0431760230 09 02/01/00 0
217208937 N 01/01/30
0
1965318 163/G02 F 228,950.00 ZZ
360 228,821.65 1
1305,1307,1309 N SCREENLAND DR 8.875 1,821.63 94
8.625 1,821.63 245,000.00
BURBANK CA 91505 1 12/10/99 04
0431759877 05 02/01/00 30
617210164 O 01/01/30
0
1965327 313/G02 F 256,000.00 ZZ
360 255,874.08 4
211 W PALATINE ROAD 9.500 2,152.59 80
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PALATINE IL 60067 1 12/30/99 00
0431787746 05 02/01/00 0
0006943633 N 01/01/30
0
1965356 163/G02 F 294,500.00 ZZ
360 294,312.21 1
41833 CARLETON WAY 8.250 2,212.48 95
8.000 2,212.48 310,000.00
TEMECULA CA 92591 1 12/15/99 04
0431779255 03 02/01/00 30
617217342 O 01/01/30
0
1965361 163/G02 F 44,100.00 ZZ
360 44,074.63 1
431 N CYPRESS DRIVE #A 8.750 346.93 70
8.500 346.93 63,000.00
1
TEQUESTA FL 33469 1 12/17/99 00
0431760503 09 02/01/00 0
7717227861 N 01/01/30
0
1965371 F28/G02 F 432,000.00 ZZ
360 430,892.03 1
2351 PASEO SAUCEDAL 9.375 3,593.16 94
9.125 3,593.16 462,238.00
CARLSBAD CA 92009 1 08/11/99 04
0431773951 03 10/01/99 30
5022589 O 09/01/29
0
1965376 286/286 F 46,900.00 ZZ
360 46,873.70 2
547 CAIRO ST 8.875 373.16 70
8.625 373.16 67,000.00
ATLANTA GA 30314 2 12/21/99 00
0009644889 07 02/01/00 0
0009644889 O 01/01/30
0
1965379 286/286 F 123,500.00 ZZ
360 123,219.94 1
69 LINDEN AVE 8.875 982.63 95
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EAST ORANGE NJ 07018 1 09/21/99 01
0009600517 05 11/01/99 30
0009600517 O 10/01/29
0
1965380 F28/G02 F 682,500.00 ZZ
360 679,467.63 1
16226 WAYFARER LANE 8.375 5,187.49 75
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HUNTINGTON BEAC CA 92649 1 06/10/99 00
0431774025 05 08/01/99 0
4885921 O 07/01/29
0
1965386 286/286 F 157,500.00 ZZ
360 157,407.01 2
4220 BOWDENS FERRY RD 8.625 1,225.02 90
8.375 1,225.02 175,000.00
NORFOLK VA 23508 1 01/05/00 11
0009970245 05 02/01/00 25
0009970245 N 01/01/30
0
1
1965403 P41/G02 F 29,925.00 ZZ
360 29,925.00 1
5127 VIRGINIA 9.875 259.85 90
9.625 259.85 33,250.00
KANSAS CITY MO 64110 1 01/11/00 14
0431770635 05 03/01/00 25
382147 N 02/01/30
0
1965417 K81/G02 F 53,900.00 ZZ
360 53,836.13 1
4904 VINCENNES STREET #204 8.625 419.23 70
8.375 419.23 77,000.00
CAPE CORAL FL 33904 1 11/30/99 00
0431767961 01 01/01/00 0
2500335 N 12/01/29
0
1965425 F28/G02 F 454,500.00 ZZ
360 453,239.94 1
111 REGENTS SQUARE 9.000 3,657.01 85
8.750 3,657.01 534,710.00
PEACHTREE CITY GA 30269 1 08/13/99 10
0431773936 03 10/01/99 12
5017431 O 09/01/29
0
1965428 F42/G02 F 55,500.00 ZZ
360 55,471.23 2
714-716 60TH AVENUE W 9.250 456.58 80
9.000 456.58 69,400.00
BRADENTON FL 34207 1 12/17/99 00
0431776392 05 02/01/00 0
99AH0504 N 01/01/30
0
1965475 J54/G02 F 91,000.00 ZZ
360 90,912.47 1
6133 THORN STREET 9.625 773.49 80
9.375 773.49 115,000.00
SAN DIEGO CA 92115 5 11/22/99 00
0431801703 05 01/01/00 0
9719830 O 12/01/29
0
1965500 H93/G02 F 40,375.00 ZZ
360 40,351.77 1
1
827 RELIANCE STREET 8.750 317.63 85
8.500 317.63 47,500.00
CHARLOTTE NC 28208 1 12/28/99 10
0431779149 05 02/01/00 12
9996302 N 01/01/30
0
1965512 H93/G02 F 44,550.00 ZZ
360 44,528.66 1
1609 N 32ND STREET 9.625 378.67 90
9.375 378.67 49,550.00
KANSAS CITY KS 66102 1 12/10/99 04
0431763713 05 02/01/00 25
9995392 N 01/01/30
0
1965518 H93/G02 F 149,000.00 ZZ
360 148,912.03 1
7210 FM ROAD NO 113 N 8.625 1,158.91 79
8.375 1,158.91 190,000.00
WEATHERFORD TX 76088 2 12/03/99 00
0431779362 05 02/01/00 0
9901732 O 01/01/30
0
1965520 H93/G02 F 101,400.00 ZZ
360 101,341.67 1
4282 GA HIGHWAY 105 8.750 797.71 76
8.500 797.71 135,000.00
BALDWIN GA 30511 2 12/08/99 00
0431778968 05 02/01/00 0
9990613 O 01/01/30
0
1965523 F44/G02 F 265,650.00 ZZ
360 265,650.00 1
15 COTTONWOOD DRIVE 9.000 2,137.48 90
8.750 2,137.48 295,185.00
LUMBERTON NJ 08048 1 01/11/00 10
0431772110 05 03/01/00 25
209707 O 02/01/30
0
1965532 A26/G02 F 170,100.00 ZZ
360 169,996.95 4
537 MCKELLAR CIRCLE 8.500 1,307.92 90
8.250 1,307.92 189,000.00
LAS VEGAS NV 89119 1 12/22/99 04
0431763820 05 02/01/00 30
1
40086S N 01/01/30
0
1965549 K71/K71 F 134,100.00 ZZ
360 134,032.28 2
1813 W 47TH AVENUE 9.375 1,115.38 90
9.125 1,115.38 149,000.00
ANCHORAGE AK 99517 1 12/03/99 01
850318 05 02/01/00 25
850318 N 01/01/30
0
1965556 K15/G02 F 75,000.00 ZZ
360 74,956.85 1
6000 MCBRYDE AVENUE 8.750 590.03 66
8.500 590.03 115,000.00
RICHMOND CA 94805 1 12/17/99 00
0431777143 05 02/01/00 0
3000787 O 01/01/30
0
1965557 K15/G02 F 213,000.00 ZZ
360 212,874.25 1
735 SHELBORNE DRIVE 8.625 1,656.69 80
8.375 1,656.69 267,000.00
TRACY CA 95376 2 12/23/99 00
0431802735 05 02/01/00 0
3005411 O 01/01/30
0
1965582 B57/G02 F 38,650.00 ZZ
360 38,631.48 1
1920 NORTH "H" STREET #230 9.625 328.53 90
9.375 328.53 42,950.00
OXNARD CA 93030 1 12/29/99 10
0431777549 01 02/01/00 25
9914773 N 01/01/30
0
1965583 K15/G02 F 600,000.00 ZZ
360 599,688.95 1
3150 KEYSTONE ROAD 9.250 4,936.05 65
9.000 4,936.05 930,000.00
NORTHBROOK IL 60062 4 12/22/99 00
0431777051 05 02/01/00 0
3004414 O 01/01/30
0
1
1965588 163/G02 F 140,400.00 ZZ
360 140,319.22 1
1355-1355 1/4-1355 1/2 E 71 ST 8.750 1,104.53 88
8.500 1,104.53 160,000.00
LOS ANGELES CA 90001 1 12/06/99 04
0431764943 05 02/01/00 25
1417214398 O 01/01/30
0
1965594 163/G02 F 38,000.00 ZZ
360 37,976.38 1
1 ELIZABETH STREET 8.375 288.83 80
8.125 288.83 47,500.00
FORT ANN NY 12827 1 12/29/99 00
0431765361 05 02/01/00 0
1000158054 N 01/01/30
0
1965595 G70/G02 F 54,000.00 ZZ
360 53,919.69 1
16 ELM STREET 9.500 454.06 90
9.250 454.06 60,000.00
TRENTON NJ 08611 1 10/05/99 10
0431770205 07 12/01/99 25
101429 N 11/01/29
0
1965600 163/G02 F 150,000.00 ZZ
360 149,913.70 2
19271 ARNOLD DRIVE 8.750 1,180.05 65
8.500 1,180.05 233,000.00
SONOMA CA 95476 1 12/22/99 00
0431767359 07 02/01/00 0
717203334 O 01/01/30
0
1965636 N94/G02 F 265,500.00 ZZ
360 265,376.14 4
354 CABOT STREET 9.750 2,281.05 90
9.500 2,281.05 295,000.00
BEVERLY MA 01915 1 01/03/00 11
0431775758 05 02/01/00 25
88002960 N 01/01/30
0
1965646 H58/G02 F 232,750.00 ZZ
360 232,629.33 2
1336 144TH AVENUE 9.250 1,914.78 95
9.000 1,914.78 245,000.00
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SAN LEANDRO CA 94577 1 12/20/99 04
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1965918 K15/G02 F 46,500.00 ZZ
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1965923 665/G02 F 328,000.00 ZZ
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HOLLISTER CA 95023 1 11/15/99 10
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2301234258 O 12/01/29
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5283868 O 01/01/30
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0431786177 01 02/01/00 0
68802 N 01/01/30
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1965934 964/G02 F 194,400.00 ZZ
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1965939 665/G02 F 190,000.00 ZZ
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1965940 964/G02 F 112,550.00 ZZ
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0431777614 09 02/01/00 30
68930 O 01/01/30
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1965945 F27/F27 F 275,100.00 ZZ
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VISALIA CA 93291 1 12/09/99 00
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5282215 O 01/01/30
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0431777226 03 02/01/00 0
1
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1965960 964/G02 F 164,150.00 ZZ
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ROCKLIN CA 95765 1 12/10/99 00
0431777960 05 02/01/00 0
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1965962 964/G02 F 205,000.00 ZZ
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0431777564 05 02/01/00 0
68730 O 01/01/30
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0431774900 05 02/01/00 0
5299211 O 01/01/30
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1965969 964/G02 F 163,800.00 ZZ
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0431789502 05 02/01/00 25
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0431801828 05 02/01/00 25
3007383 N 01/01/30
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1966014 637/G02 F 63,000.00 ZZ
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4902494 O 08/01/29
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1966064 637/G02 F 184,000.00 ZZ
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0431781483 05 02/01/00 25
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0431773266 05 02/01/00 0
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0431777689 05 02/01/00 30
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0431804350 05 02/01/00 25
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1966370 B57/G02 F 34,350.00 ZZ
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0431780139 03 02/01/00 25
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1966386 Q64/G02 F 81,900.00 ZZ
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7662013 O 02/01/30
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6400801 N 01/01/30
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0431793629 03 02/01/00 30
0012064846 O 01/01/30
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0018804427 O 01/01/30
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3007311 O 01/01/30
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R02388 O 02/01/30
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68192 N 02/01/30
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0431780212 05 02/01/00 0
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0431782069 01 01/01/00 0
13958848 N 12/01/29
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15455 O 02/01/30
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0431808047 05 01/01/00 0
1091100291 N 12/01/29
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1209090129 N 11/01/29
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1409110098 O 12/01/29
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909110084 O 12/01/29
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0431807908 05 12/01/99 0
209090133 N 11/01/29
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0431807403 01 01/01/00 0
1409100274 N 12/01/29
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1609110306 O 01/01/30
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0431806934 03 02/01/00 0
1709110107 O 01/01/30
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2209100029 O 12/01/29
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1409110024 O 12/01/29
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1409110104 N 12/01/29
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1967190 956/G02 F 170,500.00 ZZ
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709070116 N 12/01/29
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1967193 956/G02 F 290,400.00 ZZ
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509110163 O 01/01/30
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0431809391 05 02/01/00 0
1409120268 O 01/01/30
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0431805530 05 02/01/00 0
709120066 O 01/01/30
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0431808070 05 02/01/00 0
709110167 O 01/01/30
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0431809540 05 02/01/00 0
2809120024 N 01/01/30
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2309120037 O 01/01/30
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0431807825 05 01/01/00 0
209100038 O 12/01/29
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1967205 956/G02 F 263,600.00 ZZ
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2309110158 O 12/01/29
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1967207 956/G02 F 74,800.00 ZZ
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0431809565 03 02/01/00 0
509120136 O 01/01/30
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0431809250 05 02/01/00 25
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0431807692 05 01/01/00 0
1409110046 O 12/01/29
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0431809151 05 02/01/00 0
2809110147 N 01/01/30
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1967214 956/G02 F 111,600.00 ZZ
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0431808104 05 01/01/00 0
1109110233 O 12/01/29
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1109120045 N 01/01/30
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0431785344 05 03/01/00 0
002285033 O 02/01/30
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0431783596 05 02/01/00 25
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0431782390 05 03/01/00 25
0018281923 N 02/01/30
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6004543 N 02/01/30
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1967293 E23/G02 F 270,750.00 ZZ
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0431790294 05 03/01/00 30
10510547 O 02/01/30
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60003225 N 02/01/30
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0431789601 01 02/01/00 0
68471 O 01/01/30
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1000009165 O 02/01/30
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1000029585 O 02/01/30
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R02389 O 02/01/30
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1209120064 O 01/01/30
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3007514 N 01/01/30
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3007517 N 01/01/30
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99001573 N 02/01/30
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1967492 R17/G02 F 106,800.00 ZZ
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0431793124 01 02/01/00 0
1999104766 N 01/01/30
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850100326611 05 02/01/00 25
850100326611 O 01/01/30
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3007585 O 01/01/30
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0431788942 05 02/01/00 0
9901235452 O 01/01/30
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127903 N 01/01/30
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0431803808 05 02/01/00 25
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3007374 N 01/01/30
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0431791581 05 02/01/00 0
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0431788397 01 02/01/00 0
9901234946 O 01/01/30
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XXX 09 03/01/00 25
XXX N 02/01/30
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1967701 369/G02 F 110,000.00 ZZ
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0431799824 01 01/01/00 0
0071734016 O 12/01/29
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1967703 926/926 F 71,750.00 ZZ
360 71,750.00 1
283 SEA SIDE VILLAS 9.500 603.32 69
9.250 603.32 105,000.00
HILTON HEAD ISL SC 29928 1 01/12/00 00
163018496 01 03/01/00 0
163018496 N 02/01/30
0
1967704 926/926 F 71,750.00 ZZ
360 71,750.00 1
284 SEA SIDE VILLAS 9.500 603.32 70
9.250 603.32 102,500.00
HILTON HEAD ISL SC 29928 1 01/12/00 00
163018488 01 03/01/00 0
163018488 N 02/01/30
0
1967712 369/G02 F 153,450.00 ZZ
360 153,272.77 4
4411 N. LONGVIEW AVENUE 8.750 1,207.20 90
8.500 1,207.20 170,500.00
PHOENIX AZ 85014 1 11/30/99 10
0431801026 05 01/01/00 25
71900344 N 12/01/29
0
1967718 369/G02 F 122,550.00 ZZ
360 122,489.72 1
278-280 FEDERAL STREET 9.500 1,030.47 95
9.250 1,030.47 129,000.00
BRIDGEPORT CT 06606 1 12/03/99 12
0431787753 05 02/01/00 30
0071894315 O 01/01/30
0
1967722 369/G02 F 74,400.00 ZZ
360 74,326.51 1
3526 W. MANDALAY LANE 9.500 625.60 80
9.250 625.60 93,000.00
1
PHOENIX AZ 85028 1 12/02/99 00
0431801216 05 01/01/00 0
71886295 N 12/01/29
0
1967724 369/G02 F 100,000.00 ZZ
360 99,865.35 1
92-1479A ALLIINUI DRIVE #31-A 8.000 733.77 53
7.750 733.77 192,000.00
KAPOLEI HI 96707 1 11/10/99 00
0431801000 01 01/01/00 0
0071862858 O 12/01/29
0
1967726 Q14/G02 F 72,000.00 ZZ
360 72,000.00 2
805 BERKSHIRE AVENUE 10.125 638.51 90
9.875 638.51 80,000.00
PITTSBURG PA 15226 1 01/26/00 01
0431818319 05 03/01/00 25
0000128 N 02/01/30
0
1967727 369/G02 F 188,800.00 ZZ
360 188,688.53 2
502 RIKER STREET 8.625 1,468.47 80
8.375 1,468.47 236,000.00
SALINAS CA 93901 1 12/07/99 00
0431787878 05 02/01/00 0
0071892699 O 01/01/30
0
1967731 369/G02 F 100,000.00 ZZ
360 100,000.00 3
8012 E 1ST AVENUE 8.375 760.08 87
8.125 760.08 115,000.00
MESA AZ 85208 1 01/03/00 11
0431800119 05 03/01/00 25
0071852834 O 02/01/30
0
1967732 369/G02 F 57,000.00 ZZ
360 56,940.66 1
200 ORANGE STREET 9.250 468.93 75
9.000 468.93 76,000.00
OXFORD NC 27565 1 11/30/99 00
0431801059 05 01/01/00 0
0071878466 O 12/01/29
0
1
1967738 623/G02 F 340,000.00 ZZ
360 339,771.87 1
16968 BROOKLANE BOULEVARD 8.000 2,494.80 66
7.750 2,494.80 517,815.00
NORTHVILLE TWP. MI 48167 1 12/03/99 00
0431787795 05 02/01/00 0
1418356 O 01/01/30
0
1967739 369/G02 F 179,200.00 ZZ
360 178,993.04 1
156 CORONADO COURT 8.750 1,409.77 80
8.500 1,409.77 224,000.00
SEDONA AZ 86351 1 11/01/99 00
0431800242 05 01/01/00 0
0071739064 O 12/01/29
0
1967746 369/G02 F 53,600.00 ZZ
360 53,571.47 1
1620 N 10TH STREET 9.125 436.11 80
8.875 436.11 67,000.00
NOBLESVILLE IN 46060 1 12/29/99 00
0431789114 05 02/01/00 0
0071926471 N 01/01/30
0
1967753 369/G02 F 104,500.00 ZZ
360 104,394.04 1
1 W LAKE STREET 9.375 869.18 95
9.125 869.18 110,000.00
WORCESTER MA 01603 1 11/30/99 12
0431801075 05 01/01/00 30
0071897086 O 12/01/29
0
1967754 369/G02 F 259,200.00 ZZ
360 258,930.20 1
4675 COOPER COURT 9.250 2,132.38 90
9.000 2,132.38 288,000.00
LA VERNE CA 91750 2 11/04/99 14
0431801166 05 01/01/00 25
0071787675 O 12/01/29
0
1967756 369/G02 F 30,000.00 ZZ
360 30,000.00 1
1
95-009 WAIKALANI DRIVE #A303 8.875 238.70 80
8.625 238.70 37,500.00
MILILANI HI 96789 1 01/07/00 00
0431799758 01 03/01/00 0
71850648 N 02/01/30
0
1967760 369/G02 F 96,300.00 ZZ
360 96,252.63 1
1049 S 9TH STREET 9.500 809.75 90
9.250 809.75 107,000.00
NOBLESVILLE IN 46060 1 12/30/99 12
0431800069 05 02/01/00 25
0071805600 O 01/01/30
0
1967761 369/G02 F 94,000.00 ZZ
360 93,896.91 3
17-19 SOUTH STREET 9.000 756.35 70
8.750 756.35 135,000.00
MANCHESTER NH 03103 5 11/22/99 00
0431800234 05 01/01/00 0
0071875348 O 12/01/29
0
1967768 369/G02 F 249,000.00 ZZ
360 248,860.40 1
29 KINGMAN ROAD 8.875 1,981.16 93
8.625 1,981.16 269,876.00
VILLAGE OF SOUT NJ 07079 1 12/15/99 12
0431799907 05 02/01/00 30
0071874713 O 01/01/30
0
1967773 369/G02 F 96,500.00 ZZ
360 96,388.55 1
19 HALFORD PLACE 8.750 759.17 76
8.500 759.17 128,000.00
LYNN MA 01902 2 11/23/99 00
0431801182 05 01/01/00 0
0071870489 O 12/01/29
0
1967774 369/G02 F 83,200.00 ZZ
360 83,156.86 1
302 CORLEY CIRCLE 9.250 684.47 80
9.000 684.47 104,000.00
HIRAM GA 30141 1 12/29/99 00
0431800143 05 02/01/00 0
1
0071949036 O 01/01/30
0
1967777 369/G02 F 36,000.00 ZZ
360 36,000.00 1
95-009 WAIKALANI DRIVE #A304 8.875 286.44 80
8.625 286.44 45,000.00
MILILANI HI 96789 1 01/07/00 00
0431800093 01 03/01/00 0
71850622 N 02/01/30
0
1967779 369/G02 F 50,000.00 ZZ
360 49,970.48 1
1214 ANSIN STREET 8.625 388.90 80
8.375 388.90 63,000.00
PUNTA GORDA FL 33950 1 12/15/99 00
0431800085 05 02/01/00 0
0071890446 O 01/01/30
0
1967782 369/G02 F 91,000.00 ZZ
360 90,955.24 3
1920 W MULBERRY DRIVE 9.500 765.18 70
9.250 765.18 130,000.00
PHOENIX AZ 85015 5 12/28/99 00
0431799535 05 02/01/00 0
0071929368 N 01/01/30
0
1967790 369/G02 F 171,000.00 ZZ
360 171,000.00 1
275 KULIKE HIGHWAY 8.625 1,330.03 75
8.375 1,330.03 229,000.00
HAIKU HI 96708 5 12/29/99 00
0431799568 05 03/01/00 0
0071869861 O 02/01/30
0
1967791 Q99/G02 F 196,000.00 ZZ
360 196,000.00 1
482 SPELLMAN HIGHWAY 9.625 1,665.98 80
9.375 1,665.98 245,000.00
BURLINGTON CT 06013 5 01/31/00 00
0431827013 05 03/05/00 0
DEVIN O 02/05/30
0
1
1967793 369/G02 F 67,500.00 ZZ
360 67,468.51 2
114 HILLSIDE AVENUE 9.750 579.93 90
9.500 579.93 75,000.00
HARTFORD CT 06106 1 12/30/99 14
0431799774 05 02/01/00 25
0071933089 N 01/01/30
0
1967795 369/G02 F 30,000.00 ZZ
360 30,000.00 1
95-020 WAIHONU STREET #C206 8.875 238.70 80
8.625 238.70 37,500.00
MILILANI HI 96789 1 01/07/00 00
0431800135 01 03/01/00 0
71850655 N 02/01/30
0
1967800 369/G02 F 30,000.00 ZZ
360 30,000.00 1
95-061 WAIKALANI DRIVE 8.875 238.70 80
D1003 8.625 238.70 37,500.00
MILILANI HI 96789 1 01/07/00 00
0431800259 01 03/01/00 0
0071850614 N 02/01/30
0
1967824 K31/G02 F 114,650.00 T
360 114,650.00 1
320 BERRONG STREET 8.875 912.21 75
8.625 912.21 152,900.00
HIAWASSEE GA 30546 1 01/14/00 00
0431796614 09 03/01/00 0
9050720144 O 02/01/30
0
1967831 K81/G02 F 102,000.00 ZZ
360 102,000.00 3
3528-3530 W DAKOTA AVE 8.375 775.27 47
8.125 775.27 220,000.00
DENVER CO 80219 5 01/04/00 00
0431813112 05 03/01/00 0
7000515 N 02/01/30
0
1967911 665/G02 F 375,000.00 ZZ
360 374,789.77 2
297-299 BEVERLY STREET 8.875 2,983.67 54
8.625 2,983.67 700,000.00
1
LAGUNA BEACH CA 92651 5 12/14/99 00
0431792381 05 02/01/00 0
9901235164 O 01/01/30
0
1967913 964/G02 F 134,400.00 ZZ
360 134,400.00 2
16700 & 16710 EAST 13TH AVENUE 9.375 1,117.87 80
9.125 1,117.87 168,000.00
AURORA CO 80011 1 01/17/00 00
0431790773 05 03/01/00 0
69662 N 02/01/30
0
1967916 637/G02 F 31,500.00 ZZ
360 31,500.00 1
2051 AIRPORT HIGHWAY 9.500 264.87 90
9.250 264.87 35,000.00
TOLEDO OH 43609 1 01/13/00 01
0431790856 05 03/01/00 30
0018698803 N 02/01/30
0
1967917 637/G02 F 160,000.00 ZZ
360 160,000.00 4
223 NORGREN STREET 9.000 1,287.40 64
8.750 1,287.40 250,000.00
FRASER CO 80442 5 01/11/00 00
0431792217 05 03/01/00 0
0015344831 N 02/01/30
0
1967922 637/G02 F 121,950.00 ZZ
360 121,950.00 1
1326 OLD BARN LANE 9.000 981.24 85
8.750 981.24 143,500.00
LEWISVILLE TX 75067 1 01/13/00 11
0431792332 05 03/01/00 12
0018999250 O 02/01/30
0
1967946 K15/G02 F 134,000.00 ZZ
360 134,000.00 3
14509/14511 AND 14513 8TH AVE 8.625 1,042.24 64
SOUTHWEST 8.375 1,042.24 210,000.00
BURIEN WA 98166 5 01/06/00 00
0431803824 05 03/01/00 0
3007519 O 02/01/30
0
1
1967958 F42/G02 F 252,700.00 ZZ
360 252,700.00 1
16 MIDDLESEX DRIVE 8.250 1,898.46 78
8.000 1,898.46 325,000.00
DIX HILLS NY 11746 1 01/18/00 00
0431797307 05 03/01/00 0
RS03289 O 02/01/30
0
1967963 E46/G02 F 161,900.00 ZZ
360 161,824.47 3
236 SOUTH MORRIS STREET 9.750 1,390.97 90
9.500 1,390.97 179,900.00
DOVER NJ 07801 1 12/30/99 04
0431797240 05 02/01/00 25
40003 N 01/01/30
0
1967964 964/G02 F 79,100.00 ZZ
360 79,100.00 1
1115 EAST CORDOVA STREET #109 9.500 665.12 69
9.250 665.12 115,000.00
PASADENA CA 91106 5 01/04/00 00
0431800929 01 03/01/00 0
67593 N 02/01/30
0
1967970 R55/G02 F 94,500.00 ZZ
360 94,500.00 1
13140 NATHALINE AVE 10.000 829.31 90
9.750 829.31 105,000.00
REFORD TWP MI 48239 1 01/21/00 04
0431803162 05 03/01/00 25
4265 N 02/01/30
0
1967975 462/G02 F 114,700.00 ZZ
360 114,634.00 1
4918 EAST ROBERTA DRIVE 8.750 902.35 70
8.500 902.35 163,865.00
CAVE CREEK AZ 85331 1 12/27/99 00
0431800895 03 02/01/00 0
0007652001 O 01/01/30
0
1967995 883/G02 F 181,800.00 ZZ
360 181,800.00 1
1
961 SAGAMORE DRIVE 9.625 1,545.29 90
9.375 1,545.29 202,000.00
LOUISBURG NC 27549 1 01/14/00 14
0431797117 03 03/01/00 25
05009870 O 02/01/30
0
1968014 623/G02 F 128,000.00 ZZ
360 127,920.44 1
5 DEEPWOOD ROAD 8.375 972.89 80
8.125 972.89 160,000.00
SIMSBURY CT 06070 5 12/29/99 00
0431792878 05 02/01/00 0
1426716 O 01/01/30
0
1968099 P16/G02 F 318,000.00 ZZ
360 318,000.00 1
802 EAST MOUNTAIN STREET 9.250 2,616.11 95
9.000 2,616.11 335,000.00
PASADENA CA 91104 1 01/11/00 10
0431798461 05 03/01/00 30
50004979 O 02/01/30
0
1968102 624/G02 F 27,000.00 ZZ
360 26,987.41 1
2118 DUKE DRIVE 9.750 231.97 90
9.500 231.97 30,000.00
SHERMAN TX 75090 1 01/04/00 11
0431799352 05 02/01/00 25
82300290596F N 01/01/30
0
1968108 637/G02 F 292,600.00 ZZ
360 292,600.00 1
6943 EAST TETON CIRCLE 8.500 2,249.84 80
8.250 2,249.84 365,809.00
MESA AZ 85207 1 01/06/00 00
0431798511 03 03/01/00 0
0014642623 O 02/01/30
0
1968114 964/G02 F 58,350.00 ZZ
360 58,350.00 1
24498 LOWE STREET 9.000 469.50 70
8.750 469.50 83,400.00
FORESTHILL CA 95631 5 01/12/00 00
0431798578 05 03/01/00 0
1
69479 N 02/01/30
0
1968115 964/G02 F 140,800.00 ZZ
360 140,800.00 1
1513 CHALGROVE DRIVE 8.375 1,070.18 80
8.125 1,070.18 176,000.00
CORONA CA 92882 1 01/12/00 00
0431798370 09 03/01/00 0
69789 O 02/01/30
0
1968117 964/G02 F 204,800.00 ZZ
360 204,800.00 1
14755 DIAMOND VIEW DRIVE 8.625 1,592.91 80
8.375 1,592.91 256,000.00
VOLCANO CA 95689 5 01/13/00 00
0431800945 05 03/01/00 0
66837 O 02/01/30
0
1968125 964/G02 F 88,900.00 ZZ
360 88,900.00 1
903 REDWOOD DRIVE 9.500 747.52 70
9.250 747.52 127,000.00
VISALIA CA 93277 2 01/12/00 00
0431798255 05 03/01/00 0
68838 N 02/01/30
0
1968129 624/G02 F 108,900.00 ZZ
360 108,900.00 1
3856 SOUTH HALLMARK DRIVE 9.250 895.89 90
9.000 895.89 121,000.00
SALT LAKE CITY UT 84119 5 01/14/00 01
0431803055 05 03/01/00 25
67042600013 O 02/01/30
0
1968134 K31/G02 F 60,750.00 ZZ
360 60,750.00 1
70 VILLA ROSA WAY 9.500 510.82 87
9.250 510.82 70,500.00
TEMPLE GA 30117 1 01/14/00 14
0431798941 05 03/01/00 25
0390464 N 02/01/30
0
1
1968138 B57/G02 F 155,250.00 ZZ
360 155,250.00 1
12111 ROSSITER AVENUE 8.750 1,221.36 90
8.500 1,221.36 172,500.00
LOS ANGELES CA 91342 5 01/03/00 10
0431813542 05 03/01/00 25
99BK019 O 02/01/30
0
1968142 A50/A50 F 41,100.00 ZZ
360 41,078.69 1
1027 FISK AVENUE 9.250 338.12 80
9.000 338.12 52,000.00
COLUMBUS GA 31906 2 12/28/99 00
200727 05 02/01/00 0
200727 N 01/01/30
0
1968163 896/G02 F 134,400.00 ZZ
360 134,326.59 1
3777 THOMPSON MILL ROAD 9.000 1,081.41 80
8.750 1,081.41 168,000.00
BUFORD GA 30519 5 12/31/99 00
0431798610 05 02/01/00 0
20179 O 01/01/30
0
1968179 F36/G02 F 84,000.00 ZZ
360 84,000.00 1
1202 SOUTH 19TH STREET 8.875 668.34 80
8.625 668.34 105,000.00
TACOMA WA 98405 5 01/10/00 00
0431797869 05 03/01/00 0
06400823 O 02/01/30
0
1968201 J74/G02 F 144,000.00 ZZ
360 144,000.00 1
3400-04 SW 27 STREET 9.000 1,158.66 90
8.750 1,158.66 160,000.00
MIAMI FL 33133 1 01/13/00 11
0431802362 05 03/01/00 25
RIOS O 02/01/30
0
1968209 J74/G02 F 90,000.00 ZZ
360 90,000.00 1
3185 NW 132 TERRACE 9.875 781.51 90
9.625 781.51 100,000.00
1
OPA LOCKA FL 33055 1 01/10/00 11
0431802628 05 03/01/00 25
995160W N 02/01/30
0
1968211 R58/G02 F 79,650.00 ZZ
360 79,650.00 1
1193 MASSACHUSETTS DRIVE 9.500 669.74 90
9.250 669.74 88,500.00
XENIA OH 45385 1 01/31/00 14
0431825199 05 03/01/00 25
LAWLESS N 02/01/30
0
1968260 H22/G02 F 384,000.00 ZZ
360 384,000.00 1
70-28 JUNO STREET 8.375 2,918.68 80
8.125 2,918.68 480,000.00
FOREST HILLS NY 11375 1 01/21/00 00
0431802156 05 03/01/00 0
9911028 O 02/01/30
0
1968269 623/G02 F 115,000.00 ZZ
360 115,000.00 1
601 MAIN STREET 8.625 894.46 66
8.375 894.46 175,000.00
WEAVERVILLE CA 96093 5 12/30/99 00
0431800903 05 03/01/00 0
5232209 O 02/01/30
0
1968280 624/G02 F 225,000.00 ZZ
360 225,000.00 1
615 SANTA LUCIA AVENUE 8.750 1,770.08 63
8.500 1,770.08 360,000.00
LOS OSOS CA 93402 1 01/03/00 00
0431801299 05 03/01/00 0
72016790153F O 02/01/30
0
1968281 H93/G02 F 92,610.00 ZZ
360 92,561.99 1
5085 E SHERWOOD 9.250 761.88 90
9.000 761.88 102,900.00
NEWBURGH IN 47630 1 12/30/99 12
0431800960 05 02/01/00 25
9994753 O 01/01/30
0
1
1968282 624/G02 F 110,000.00 ZZ
360 110,000.00 1
404 GOLDEN COURT 9.500 924.94 74
9.250 924.94 149,000.00
MANTECA CA 95336 2 01/11/00 00
0431800986 05 03/01/00 0
38100100023F N 02/01/30
0
1968294 624/G02 F 200,000.00 ZZ
360 200,000.00 2
2894 D STREET 9.625 1,699.98 80
9.375 1,699.98 250,000.00
HAYWARD CA 94541 5 01/13/00 00
0431801497 05 03/01/00 0
31300191628F N 02/01/30
0
1968300 K15/G02 F 300,350.00 ZZ
360 300,350.00 1
15541 CARRINGTON DRIVE 8.875 2,389.72 79
8.625 2,389.72 381,000.00
LA MIRADA CA 90638 1 01/07/00 00
0431811058 05 03/01/00 0
3008477 O 02/01/30
0
1968306 K15/G02 F 41,800.00 ZZ
360 41,779.44 1
39376 169TH STREET EAST 9.500 351.48 65
9.250 351.48 65,000.00
PALMDALE AREA CA 93591 1 12/29/99 11
0431809953 05 02/01/00 25
3007873 N 01/01/30
0
1968307 163/G02 F 69,000.00 ZZ
360 69,000.00 1
22 MAGNOLIA AVENUE 8.500 530.56 75
8.250 530.56 92,000.00
HOLYOKE MA 01040 5 01/03/00 00
0431801661 05 03/01/00 0
1000175537 O 02/01/30
0
1968309 A52/G02 F 368,000.00 ZZ
360 368,000.00 1
1
4610 COLUMNS CIRCLE 8.750 2,895.06 80
8.500 2,895.06 460,000.00
MARIETTA GA 30067 1 01/21/00 00
0431801356 05 03/01/00 0
10251 O 02/01/30
0
1968371 N94/G02 F 87,500.00 ZZ
360 87,500.00 2
5 ROBINSON STREET 9.875 759.81 70
9.625 759.81 125,000.00
LOWELL MA 01852 5 01/19/00 00
0431803139 05 03/01/00 0
0039331 N 02/01/30
0
1968391 A02/G02 F 92,000.00 ZZ
360 92,000.00 1
8111 SOUTH LOMMIS STREET 9.625 781.99 80
9.375 781.99 115,000.00
CHICAGO IL 60620 5 01/21/00 00
0431801984 05 03/01/00 0
9990035 O 02/01/30
0
1968412 K15/G02 F 356,250.00 ZZ
360 356,250.00 4
30 & 32 N 11TH STREET 9.625 3,028.09 75
9.375 3,028.09 475,000.00
SAN JOSE CA 95116 1 01/04/00 00
0431808666 05 03/01/00 0
3008227 O 02/01/30
0
1968446 R17/G02 F 117,720.00 ZZ
360 117,720.00 1
210 INSLEE PLACE 9.750 1,011.40 90
9.500 1,011.40 130,800.00
ELIZABETH NJ 07206 1 01/11/00 01
0431803931 05 03/01/00 25
1087101235 N 02/01/30
0
1968484 637/G02 F 116,900.00 ZZ
360 116,900.00 1
15371 EAST 8TH AVENUE 9.000 940.61 90
8.750 940.61 129,900.00
AURORA CO 80011 1 01/14/00 01
0431802586 05 03/01/00 25
1
0015355019 N 02/01/30
0
1968535 163/G02 F 123,000.00 ZZ
360 122,923.55 2
31 MAIN STREET 8.375 934.89 80
8.125 934.89 155,000.00
LINDEN NJ 07036 1 12/29/99 00
0431803774 05 02/01/00 0
3217164130 O 01/01/30
0
1968536 E82/G02 F 85,000.00 ZZ
360 85,000.00 1
RT 1 BOX 2044 8.375 646.06 57
8.125 646.06 150,000.00
BANDON OR 97411 5 01/24/00 00
0400250429 05 03/01/00 0
0400250429 O 02/01/30
0
1968606 742/G02 F 78,750.00 ZZ
360 78,750.00 3
182 WESTERN AVENUE 9.125 640.74 90
8.875 640.74 87,500.00
ALBANY NY 12203 1 01/19/00 04
0431803493 05 03/01/00 25
4888616 N 02/01/30
0
1968615 H22/G02 F 390,000.00 ZZ
360 390,000.00 2
31-51 41ST STREET 8.875 3,103.02 80
8.625 3,103.02 490,000.00
ASTORIA NY 11103 1 01/25/00 00
0431804400 07 03/01/00 0
9912004 O 02/01/30
0
1968617 637/G02 F 297,500.00 ZZ
360 297,500.00 1
1268 WEST WASATCH DOWNS DRIVE 9.250 2,447.46 85
9.000 2,447.46 350,000.00
SOUTH JORDAN UT 84095 2 01/12/00 12
0431803402 05 03/01/00 12
0012495586 O 02/01/30
0
1
1968618 H93/G02 F 82,500.00 ZZ
360 82,500.00 1
5845 LONG AVENUE 8.625 641.68 75
8.375 641.68 110,000.00
SHAWNEE KS 66216 1 01/07/00 00
0431803857 05 03/01/00 0
1000000061 O 02/01/30
0
1968621 637/G02 F 108,000.00 ZZ
360 108,000.00 1
4695 SUGARLOAF PARKWAY 9.750 927.89 90
9.500 927.89 120,000.00
LAWRENCEVILLE GA 30044 1 01/18/00 10
0431803758 05 03/01/00 25
12065579 N 02/01/30
0
1968622 637/G02 F 54,000.00 ZZ
360 54,000.00 1
708 COLLEGE AVENUE 9.500 454.07 90
9.250 454.07 60,000.00
GLEN ROSE TX 76043 1 01/17/00 11
0431803436 05 03/01/00 17
0019019793 O 02/01/30
0
1968623 H93/G02 F 42,000.00 ZZ
360 42,000.00 1
7520 PENNYSLVANIA 9.375 349.33 77
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KANSAS CITY MO 64114 5 01/19/00 00
0431803659 05 03/01/00 0
9998477 O 02/01/30
0
1968626 K15/G02 F 110,500.00 ZZ
360 110,500.00 1
720 SHERIDAN AVE N 8.375 839.88 79
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MINNEAPOLIS MN 55411 5 01/11/00 00
0431810431 05 03/01/00 0
013105300656 O 02/01/30
0
1968634 163/G02 F 215,900.00 ZZ
360 215,900.00 1
3513 33RD STREET NE 9.500 1,815.40 90
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TACOMA WA 98422 1 01/06/00 11
0431803816 05 03/01/00 30
0217181688 N 02/01/30
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1968635 R61/G02 F 34,200.00 ZZ
360 34,200.00 1
7143 GLEN GROVE LANE 9.000 275.18 90
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SAN ANTONIO TX 78239 1 01/20/00 04
0431830561 05 03/01/00 25
10435 N 02/01/30
0
1968639 163/G02 F 47,600.00 ZZ
360 47,573.31 1
414 NORTH CYPRESS DRIVE #A 8.875 378.73 70
8.625 378.73 68,000.00
TEQUESTA FL 33469 1 12/20/99 00
0431803600 03 02/01/00 0
0217232440 N 01/01/30
0
1968652 883/G02 F 125,300.00 T
360 125,300.00 1
1724 SW 44TH STREET 9.500 1,053.60 90
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0431819218 05 03/01/00 25
05002913 O 02/01/30
0
1968657 163/G02 F 212,000.00 ZZ
360 211,890.10 1
1054 CIRCLE DRIVE 9.250 1,744.07 80
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ESCONDIDO CA 92025 5 12/30/99 00
0431803733 05 02/01/00 0
217235757 O 01/01/30
0
1968665 B90/G02 F 204,000.00 ZZ
360 204,000.00 1
45W420 PENSTEMON 9.000 1,641.43 80
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HAMPSHIRE IL 60140 1 01/11/00 00
0431804038 05 03/01/00 0
901104953 O 02/01/30
0
1
1968671 E76/G02 F 228,000.00 ZZ
360 228,000.00 1
233 COUNTY ROAD 48 8.500 1,753.13 80
8.250 1,753.13 285,000.00
GUNNISON CO 81230 1 01/13/00 00
0431804632 05 03/01/00 0
S9912001 O 02/01/30
0
1968673 H22/G02 F 200,000.00 ZZ
360 200,000.00 3
20-12 41ST STREET 8.750 1,573.40 80
8.500 1,573.40 250,000.00
ASTORIA NY 11105 1 01/26/00 00
0431810860 05 03/01/00 0
9912008 O 02/01/30
0
1968676 575/G02 F 80,000.00 ZZ
360 80,000.00 1
175 WOODLAND DRIVE 9.000 643.70 63
8.750 643.70 128,000.00
MEDINA OH 44256 5 01/10/00 00
0431804509 05 03/01/00 0
9354762 N 02/01/30
0
1968680 964/G02 F 135,200.00 ZZ
360 135,200.00 1
2350 NORTH AVENIDA CABALLEROS 8.625 1,051.57 80
8.375 1,051.57 169,000.00
PALM SPRINGS CA 92262 5 01/14/00 00
0431804723 05 03/01/00 0
70374 O 02/01/30
0
1968682 163/G02 F 124,000.00 ZZ
360 124,000.00 1
2164 SOUTH LAFAYETTE STREET 9.125 1,008.90 80
8.875 1,008.90 155,000.00
DENVER CO 80210 1 01/11/00 00
0431804541 05 03/01/00 0
217249378 N 02/01/30
0
1968684 737/G02 F 118,800.00 ZZ
360 118,800.00 4
1
6304 N 77TH STREET 9.875 1,031.60 90
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MILWAUKEE WI 53218 1 01/20/00 12
0431808880 05 03/01/00 25
963111 N 02/01/30
0
1968688 624/G02 F 95,000.00 ZZ
360 95,000.00 1
1410 EAST AUSTIN WAY 9.000 764.39 71
8.750 764.39 134,000.00
FRESNO CA 93704 5 01/21/00 00
0431804129 05 03/01/00 0
29500300083F N 02/01/30
0
1968695 664/G02 F 37,500.00 ZZ
360 37,478.42 1
3414 PINEY GROVE RAOD 8.750 295.02 75
8.500 295.02 50,000.00
KERNERSVILLE NC 27284 1 01/04/00 00
0431804012 05 02/01/00 0
00 N 01/01/30
0
1968701 665/G02 F 180,000.00 ZZ
360 179,890.96 1
27610 SCHULTE ROAD 8.500 1,384.04 34
8.250 1,384.04 530,000.00
CARMEL CA 93923 5 12/27/99 00
0431804848 05 02/01/00 0
9901235020 O 01/01/30
0
1968702 665/G02 F 543,750.00 ZZ
360 543,445.16 2
1012 - 1014 SCOTT STREET 8.875 4,326.32 75
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SAN FRANCISCO CA 94115 1 12/21/99 00
0431804798 05 02/01/00 0
9901235532 O 01/01/30
0
1968704 665/G02 F 312,000.00 ZZ
360 311,806.07 1
178 SANTA BARBARA AVENUE 8.375 2,371.43 80
8.125 2,371.43 390,000.00
DALY CITY CA 94014 1 12/27/99 00
0431804988 07 02/01/00 0
1
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0
1968717 664/G02 F 232,800.00 ZZ
360 232,800.00 1
19344 RUNNYMEDE STREET 8.875 1,852.27 80
8.625 1,852.27 291,000.00
RESEDA AREA CA 91335 5 01/11/00 00
0431804616 05 03/01/00 0
3304383 O 02/01/30
0
1968772 163/G02 F 128,000.00 ZZ
360 127,930.08 1
380 NEPONSET AVENUE 9.000 1,029.92 64
8.750 1,029.92 200,000.00
DORCHESTER MA 02122 1 12/17/99 00
0431807080 05 02/01/00 0
100186441 N 01/01/30
0
1968780 637/G02 F 87,750.00 ZZ
360 87,750.00 4
235-237 SPRUCE STREET 9.500 737.85 90
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MANCHESTER NH 03103 1 01/21/00 01
0431807023 05 03/01/00 25
0016659815 N 02/01/30
0
1968783 624/G02 F 144,000.00 ZZ
360 144,000.00 2
231 WEST PEARL STREET 9.500 1,210.83 90
9.250 1,210.83 160,000.00
POMONA CA 91768 1 01/18/00 11
0431806975 05 03/01/00 25
38500100026F N 02/01/30
0
1968802 K15/G02 F 197,400.00 ZZ
360 197,400.00 2
729 CHAUNCEY STREET 9.250 1,623.96 90
9.000 1,623.96 220,000.00
BROOKLYN NY 11212 5 01/12/00 10
0431807155 05 03/01/00 25
5005300217 O 02/01/30
0
1
1968817 M47/G02 F 220,050.00 ZZ
360 220,050.00 1
11165 DELL CLIFFS COURT 9.375 1,830.26 90
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LAS VEGAS NV 89144 1 01/21/00 04
0431812957 03 03/01/00 25
391647 N 02/01/30
0
1968827 K15/G02 F 97,700.00 ZZ
360 97,700.00 1
4826 NORTH DELBERT AVENUE 9.125 794.92 85
8.875 794.92 115,000.00
FRESNO CA 93722 5 01/10/00 10
0431816875 05 03/01/00 12
038305300557 O 02/01/30
0
1968846 K15/G02 F 50,700.00 ZZ
360 50,700.00 1
207 ISABELLE STREET 9.000 407.94 85
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BELDING MI 48809 5 01/18/00 10
0431811629 05 03/01/00 12
035905300500 O 02/01/30
0
1968928 M66/G02 F 49,500.00 ZZ
360 49,500.00 1
57 WAYDELL STREET 9.625 420.75 90
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NEWARK NJ 07105 1 01/13/00 12
0431808450 05 03/01/00 25
133927 N 02/01/30
0
1968986 G41/G02 F 145,300.00 ZZ
360 145,300.00 4
2630 EAST MONTE CRISTO AVENUE 9.625 1,235.03 90
9.375 1,235.03 161,481.00
PHOENIX AZ 85032 1 01/07/00 04
0431808823 05 03/01/00 30
61111072 N 02/01/30
0
1969001 964/G02 F 85,600.00 ZZ
360 85,600.00 2
5123-5133 NORTH ALBINA AVENUE 9.375 711.98 80
9.125 711.98 107,000.00
1
PORTLAND OR 97217 5 01/12/00 00
0431809185 05 03/01/00 0
68929 N 02/01/30
0
1969014 M46/G02 F 43,150.00 ZZ
360 43,150.00 1
10706 BUFFALO BEND DRIVE 8.750 339.46 65
8.500 339.46 66,500.00
HOUSTON TX 77064 2 01/11/00 00
0431808948 03 03/01/00 0
7353669 N 02/01/30
0
1969029 940/G02 F 87,300.00 ZZ
360 87,300.00 3
41957 MARINE DRIVE 9.500 734.07 90
#A,B,C 9.250 734.07 97,000.00
HEMET AREA CA 92544 1 01/20/00 10
0431820604 05 03/01/00 25
HM1118 N 02/01/30
0
1969054 956/G02 F 175,200.00 T
360 175,200.00 1
4524 BERCHMONT DRIVE NE UNIT 9 9.000 1,409.70 80
8.750 1,409.70 219,000.00
BEMIDJI MN 56601 1 01/06/00 00
0431808773 09 03/01/00 0
1309110188 O 02/01/30
0
1969055 S35/G02 F 35,600.00 ZZ
360 35,600.00 1
6130 WEST 19 AVENUE #112 9.500 299.34 80
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HIALEAH FL 33012 1 01/28/00 00
0431820323 01 03/01/00 0
0001039WS O 02/01/30
0
1969057 956/G02 F 204,800.00 ZZ
360 204,202.21 4
4245 WEST 70TH PLACE 8.750 1,611.16 80
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WESTMINSTER CO 80030 1 09/07/99 00
0431808781 05 10/01/99 0
2409080271 N 09/01/29
0
1
1969063 A68/G02 F 106,200.00 ZZ
360 106,200.00 4
210 SOUTH ROSEMONT AVENUE 9.875 922.19 90
9.625 922.19 118,000.00
DALLAS TX 75208 1 01/28/00 04
0431818186 05 03/01/00 25
SEARCY N 02/01/30
0
1969165 737/G02 F 200,000.00 ZZ
360 200,000.00 1
809 A LAKEPOINT COURT 9.625 1,699.98 40
9.375 1,699.98 500,000.00
FRISCO CO 80443 4 01/24/00 00
0431821297 05 03/01/00 0
593700 N 02/01/30
0
1969191 F96/G02 F 110,250.00 ZZ
360 110,250.00 3
220 6TH AVENUE 8.875 877.20 90
8.625 877.20 122,500.00
TOWNSHIP OF DOV NJ 08751 1 01/31/00 10
0431819101 05 03/01/00 25
0001053 O 02/01/30
0
1969227 163/G02 F 85,500.00 ZZ
360 85,500.00 2
55 EUTAW AVENUE 8.500 657.43 90
8.250 657.43 95,000.00
LYNN MA 01902 1 01/07/00 10
0431813146 05 03/01/00 25
1000197510 N 02/01/30
0
1969229 163/G02 F 112,410.00 ZZ
360 112,350.18 1
66 DARTHMOUTH STREET 9.125 914.60 87
8.875 914.60 129,900.00
MANCHESTER NH 03102 1 12/16/99 04
0431813187 05 02/01/00 25
3217202815 N 01/01/30
0
1969231 E23/G02 F 286,000.00 ZZ
360 286,000.00 1
1
21271 SPRUCE 9.000 2,301.22 95
8.750 2,301.22 301,900.00
MISSION VIEJO CA 92692 1 01/26/00 04
0431819713 05 03/01/00 30
50508252 O 02/01/30
0
1969348 A33/G02 F 124,200.00 T
360 124,024.82 2
3002 N NIXON STREET 9.750 1,067.00 90
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NORTH MYRTLE BE SC 29582 1 11/04/99 04
0431825512 05 12/01/99 30
030079991 O 11/01/29
0
1969439 163/G02 F 316,850.00 ZZ
360 316,850.00 2
3 POWDERHOUSE LANE 8.375 2,408.29 59
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NANTUCKET MA 02554 1 01/20/00 00
0431817287 05 03/01/00 0
1900000925 N 02/01/30
0
1969442 K15/G02 F 125,800.00 ZZ
360 125,800.00 2
418 & 418 1/2 N ALVARADO ST 9.000 1,012.22 85
8.750 1,012.22 148,000.00
LOS ANGELES CA 90026 1 01/07/00 11
0431817477 05 03/01/00 25
3007737 N 02/01/30
0
1969470 964/G02 F 97,600.00 ZZ
360 97,600.00 1
1317 NORTH SIMON COURT 8.750 767.82 80
8.500 767.82 122,000.00
VISALIA CA 93292 1 01/24/00 00
0431817949 05 03/01/00 0
69636 N 02/01/30
0
1969504 P01/G02 F 66,000.00 ZZ
360 66,000.00 2
106 OAKWOOD AVENUE 8.750 519.23 75
8.500 519.23 88,000.00
TROY NY 12180 5 01/27/00 00
0431829332 05 03/01/00 0
1
COLEHAMER N 02/01/30
0
1969559 163/G02 F 60,000.00 ZZ
360 60,000.00 1
2068 SUNNYSIDE LANE 9.750 515.49 53
9.500 515.49 115,000.00
SARASOTA FL 34239 1 01/28/00 00
0431822089 05 03/01/00 0
1900000411 N 02/01/30
0
1969560 Q64/G02 F 31,500.00 ZZ
360 31,500.00 2
317 BURCHFIELD STREET 9.750 270.64 90
9.500 270.64 35,000.00
CITY OF HARRISB PA 17104 1 01/13/00 14
0431822097 05 03/01/00 25
500872001 N 02/01/30
0
1969577 G52/G02 F 79,300.00 ZZ
360 79,300.00 1
1381 IRONTON STREET 9.375 659.58 65
9.125 659.58 122,000.00
AURORA CO 80010 5 01/14/00 00
0431822048 05 03/01/00 0
75500074 N 02/01/30
0
1969678 637/G02 F 61,200.00 ZZ
360 61,200.00 1
11799 HWY 100 8.875 486.94 80
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LYERLY GA 30730 5 01/14/00 00
0431823830 05 03/01/00 0
0012065710 O 02/01/30
0
1969690 163/G02 F 88,000.00 ZZ
360 88,000.00 2
5666-5668 BRUSH CREEK DRIVE 9.625 747.99 80
9.375 747.99 110,000.00
STOCKTON CA 95207 1 01/12/00 00
0431823434 05 03/01/00 0
717244593 O 02/01/30
0
1
1969692 163/G02 F 149,220.00 ZZ
360 149,220.00 1
11 BELM LANE 8.875 1,187.27 90
8.625 1,187.27 165,800.00
OGUNQUIT ME 03907 1 01/21/00 04
0431823350 05 03/01/00 25
100208068 N 02/01/30
0
1969699 E23/G02 F 60,480.00 ZZ
360 60,480.00 1
2015 EAST SOUTHERN AVENUE 8.875 481.21 90
UNIT 30 8.625 481.21 67,200.00
TEMPE AZ 85282 1 01/27/00 04
0431823384 01 03/01/00 25
40503773 N 02/01/30
0
1969716 637/G02 F 119,000.00 ZZ
360 119,000.00 2
2352 & 2354 ROOSEVELT AVENUE 9.625 1,011.49 70
9.375 1,011.49 170,000.00
ENUMCLAW WA 98022 5 01/14/00 00
0431823442 05 03/01/00 0
0017883455 N 02/01/30
0
1969944 B57/G02 F 208,000.00 ZZ
360 208,000.00 4
4177 SAN PEDRO PLACE 8.875 1,654.95 80
8.625 1,654.95 260,000.00
LOS ANGELES CA 90011 5 01/13/00 00
0431826403 05 03/01/00 0
9914952 O 02/01/30
0
1969960 623/G02 F 114,750.00 ZZ
360 114,750.00 4
33 SOUTH GARFIELD STREET 8.500 882.33 85
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LODI CA 95240 5 01/07/00 11
0431826395 05 03/01/00 12
5234864 O 02/01/30
0
1970243 L47/G02 F 19,800.00 ZZ
360 19,800.00 2
1126 & 1128 SUPERIOR AVENUE 9.750 170.11 90
9.500 170.11 22,000.00
1
DAYTON OH 45406 1 01/19/00 04
0431830033 05 03/01/00 25
0020018239 O 02/01/30
0
2788378 623/G02 F 79,050.00 T
360 78,355.53 1
14001 BLOOMING DESERT DRIVE 7.750 566.32 70
7.500 566.32 112,950.00
EL PASO TX 79927 1 01/14/99 00
0431291780 03 03/01/99 0
1214443 O 02/01/29
0
2796369 F28/G02 F 232,500.00 T
360 227,539.71 1
38 REDFIELD PROCTOR RD 7.875 1,685.79 75
7.625 1,685.79 310,000.00
QUECHEE VT 05059 1 11/16/98 00
0431326347 03 01/01/99 0
4330106 O 12/01/28
0
2813988 E22/G02 F 29,700.00 ZZ
360 29,559.76 4
2620-20 1/2-22-22 1/2 S 8.750 233.65 90
GALVEZ ST 8.500 233.65 33,000.00
NEW ORLEANS LA 70125 1 05/28/99 04
0411448889 05 07/01/99 25
0411448889 O 06/01/29
0
2863172 074/074 F 63,000.00 T
360 62,727.07 1
7500 CALLAGHAN RD #342 8.500 484.42 70
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SAN ANTONIO TX 78229 1 06/22/99 00
1512780805 01 08/01/99 0
1512780805 O 07/01/29
0
2871780 883/G02 F 650,000.00 ZZ
360 648,150.81 1
145 BROADMOOR DRIVE 8.875 5,171.70 71
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FAYETTEVILLE GA 30215 4 08/09/99 00
0431453265 05 10/01/99 0
30000464 O 09/01/29
0
1
2895243 074/074 F 54,000.00 ZZ
360 53,859.50 1
1168 19TH STREET 9.375 449.14 90
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DES MOINES IA 50314 2 08/09/99 04
1505634950 05 10/01/99 25
1505634950 N 09/01/29
0
2901799 560/560 F 333,750.00 ZZ
360 332,483.36 1
155 E WEST 68TH STREET 723 8.375 2,536.75 75
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NEW YORK NY 10023 1 07/23/99 00
122765506 06 09/01/99 0
122765506 O 08/01/29
0
2921098 369/G02 F 220,500.00 ZZ
360 219,750.26 1
98 1761 C KAAHUMANU STREET #44 8.000 1,617.96 90
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AIEA HI 96701 2 08/03/99 11
0431515857 01 10/01/99 25
71485825 O 09/01/29
0
2927148 F96/G02 F 128,000.00 BB
360 127,709.75 1
40 JORDAN ROAD 8.875 1,018.43 80
8.625 1,018.43 160,000.00
WOODBRIDGE NJ 07067 1 09/30/99 00
0431523786 05 11/01/99 0
9901927 O 10/01/29
0
2937381 253/253 F 99,750.00 ZZ
360 99,540.75 1
208 GROVE ST NE 9.250 820.62 95
9.000 820.62 105,000.00
ALBUQUERQUE NM 87108 1 09/22/99 14
944993 05 11/01/99 30
944993 O 10/01/29
0
2965051 K08/G02 F 76,000.00 ZZ
360 75,860.91 1
1
1103 CANDLEWOOD DRIVE 8.500 584.37 80
8.250 584.37 95,000.00
ALLEN TX 75002 2 10/07/99 00
0411641145 05 12/01/99 0
0411641145 O 11/01/29
0
2975800 736/G02 F 272,000.00 ZZ
360 271,414.34 1
1 KITZBUHEL PLACE 9.125 2,213.09 80
8.875 2,213.09 340,000.00
MAMMOTH LAKES CA 93546 5 09/24/99 00
0431652015 05 11/01/99 0
918381 O 10/01/29
0
2984653 B35/G02 F 45,000.00 ZZ
360 44,927.60 1
2851 LEONARD DRIVE J-214 9.125 366.14 73
8.875 366.14 62,000.00
AVENTURA FL 33160 5 10/20/99 00
0431750975 01 12/01/99 0
99003703 O 11/01/29
0
2993288 K08/G02 F 129,400.00 ZZ
360 129,180.76 1
2013 LAMBERTON CREEK LN 8.875 1,029.56 70
8.625 1,029.56 186,307.00
GRAND RAPIDS MI 49546 1 10/27/99 00
0411588734 01 12/01/99 0
0411588734 O 11/01/29
0
2993818 074/074 F 105,300.00 ZZ
360 104,961.59 4
2408 FOX HOLLOW DRIVE 9.125 856.76 90
8.875 856.76 117,000.00
TITUSVILLE FL 32796 1 09/23/99 11
1533002819 05 11/01/99 25
1533002819 N 10/01/29
0
2999056 B35/G02 F 49,500.00 ZZ
360 49,425.62 4
4974 BENNING ROAD SE 9.500 416.23 90
9.250 416.23 55,000.00
WASHINGTON DC 20019 1 10/27/99 12
0431602242 05 12/01/99 25
1
99003548 N 11/01/29
0
3002866 G75/G75 F 281,250.00 ZZ
360 280,612.24 1
1420 LONGFELLOW ST, NW 8.875 2,237.76 75
8.625 2,237.76 375,000.00
WASHINGTON DC 20011 5 09/29/99 00
03969637 05 11/01/99 0
03969637 O 10/01/29
0
3010129 638/G02 F 75,050.00 ZZ
360 74,932.37 1
1829 AUGUSTA DRIVE UNIT 22 9.250 617.42 95
9.000 617.42 79,000.00
HOUSTON TX 77057 1 10/14/99 10
0431635770 04 12/01/99 30
08933192 O 11/01/29
0
3014922 687/G02 F 331,350.00 ZZ
360 330,711.76 1
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KC5119 O 11/01/29
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0431662212 09 01/01/00 0
3002698 O 12/01/29
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0431665223 05 01/01/00 0
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3052259 K15/G02 F 165,200.00 T
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1671098086 05 12/01/99 25
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1
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3056248 074/074 F 313,500.00 ZZ
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3061295 K08/G02 F 90,000.00 ZZ
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GILL CO 80624 1 12/01/99 00
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NORTH MUSKEGON MI 49445 1 10/07/99 10
5219491 05 12/01/99 25
5219491 N 11/01/29
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3065290 E82/G02 F 105,500.00 ZZ
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1
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NEWBERRY SC 29108 1 12/02/99 00
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3066372 480/G02 F 166,500.00 ZZ
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0431752203 05 10/01/99 25
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LEON WV 25123 5 02/26/97 00
0167200 05 04/01/97 0
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3068411 526/526 F 63,297.06 ZZ
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2108-2110 30TH STREET 7.250 435.29 90
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DES MOINES IA 50310 1 01/30/98 04
0167450 05 03/01/98 25
1
0167450 N 04/01/27
0
3068463 526/526 F 93,600.00 ZZ
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0382587 05 11/01/99 25
0382587 N 10/01/29
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3068672 526/526 F 60,000.00 ZZ
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0382860 05 12/01/99 0
0382860 N 11/01/29
0
3068915 K08/G02 F 56,700.00 ZZ
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0411733538 N 01/01/30
0
3068916 K08/G02 F 80,100.00 ZZ
360 80,063.61 1
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0411735350 06 02/01/00 25
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0
3072455 K08/G02 F 18,000.00 ZZ
360 17,990.92 1
2221 E ASH 9.375 149.71 90
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SPRINGFIELD IL 62703 1 12/06/99 04
0411698780 05 02/01/00 25
0411698780 N 01/01/30
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1
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0431715044 05 01/01/00 25
2000198 N 12/01/29
0
3077050 F34/G02 F 112,500.00 ZZ
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WASHINGTON DC 20032 1 11/30/99 11
0431687656 05 01/01/00 25
22909033 N 12/01/29
0
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LAS VEGAS NV 89104 1 11/30/99 04
0431687904 05 01/01/00 20
30929 O 12/01/29
0
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947580 05 01/01/00 0
947580 O 12/01/29
0
3079038 K08/G02 F 396,000.00 ZZ
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CUDJOE KEY FL 33042 5 12/03/99 00
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0411724834 O 01/01/30
0
3079046 K08/G02 F 110,250.00 ZZ
360 110,195.77 1
1517 NE 1 AVENUE 9.500 927.04 90
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1
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0411738313 05 02/01/00 25
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3079049 K08/G02 F 126,000.00 ZZ
360 125,934.68 4
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AUSTIN TX 78745 1 12/08/99 04
0411748080 05 02/01/00 25
0411748080 N 01/01/30
0
3081463 K15/G02 F 114,750.00 ZZ
360 114,617.48 1
4949 EAST ST CHARLES AVENUE 8.750 902.74 90
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LAKE CHARLES LA 70605 1 12/02/99 01
0431715283 05 01/01/00 25
1745496 O 12/01/29
0
3083694 G41/G02 F 26,100.00 ZZ
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PHILADELPHIA PA 19124 1 12/03/99 10
0431752120 05 02/01/00 25
64001507 N 01/01/30
0
3084007 A75/G02 F 73,000.00 ZZ
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HAMPTON GA 30228 5 12/09/99 00
0431764117 05 02/01/00 0
1000021517 N 01/01/30
0
3085017 K08/G02 F 33,250.00 ZZ
360 33,233.21 1
525 CHICKASAW TRACE 9.375 276.56 70
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GRAND PRAIRIE TX 75051 1 12/10/99 00
0411724032 05 02/01/00 0
0411724032 N 01/01/30
0
1
3085024 K08/G02 F 37,800.00 ZZ
360 37,780.40 1
50 JUNIPER ROAD 9.250 310.97 90
UNIT 4C 9.000 310.97 42,000.00
NORTH ATTLEBORO MA 02760 1 12/10/99 04
0411739626 01 02/01/00 25
0411739626 O 01/01/30
0
3086414 A06/G02 F 24,700.00 ZZ
360 24,685.03 1
12712 GREENLAWN 8.500 189.93 65
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DETROIT MI 48206 2 12/10/99 00
0431729656 05 02/01/00 0
001000009934271 N 01/01/30
0
3089761 K15/G02 F 70,000.00 ZZ
360 69,959.73 1
111 W UNION STREET 8.750 550.69 85
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CENTERVILLE IN 47330 2 12/03/99 10
0431735968 05 02/01/00 12
033705421742 O 01/01/30
0
3091012 196/G02 F 47,250.00 ZZ
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121 CRAIN AVENUE 9.250 388.72 90
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KENT OH 44240 1 11/30/99 10
0431726942 05 01/01/00 25
13526906 N 12/01/29
0
3093079 K08/G02 F 152,000.00 ZZ
360 151,912.55 1
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PEABODY MA 01960 5 12/10/99 00
0411672801 01 02/01/00 0
0411672801 O 01/01/30
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3093106 K08/G02 F 76,450.00 ZZ
360 76,414.34 1
1
10430 ABINGTON WAY 9.750 656.82 90
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RANCHO CORDOVA CA 95670 1 12/09/99 04
0411742331 05 02/01/00 25
0411742331 N 01/01/30
0
3094189 737/G02 F 182,700.00 ZZ
360 182,592.14 1
1246 VALLEY VIEW ROAD 8.625 1,421.02 90
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DUNWOODY GA 30338 1 12/10/99 10
0431725712 05 02/01/00 25
2000176 O 01/01/30
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3095398 K08/G02 F 92,500.00 ZZ
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EVANSTON IL 60202 1 12/16/99 10
0411667033 09 02/01/00 30
0411667033 O 01/01/30
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3095896 737/G02 F 115,650.00 ZZ
360 115,593.11 4
7835 WEST BENDER AVENUE 9.500 972.45 90
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MILWAUKEE WI 53218 1 12/07/99 10
0431772045 05 02/01/00 25
962810 N 01/01/30
0
3096634 601/G02 F 57,150.00 ZZ
360 57,118.78 1
2720 LOGAN ST 9.000 459.85 90
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DES MOINES IA 50317 1 12/13/99 10
0431740646 05 02/01/00 25
60142437 N 01/01/30
0
3097035 163/G02 F 110,400.00 ZZ
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3802 M STREET 8.750 868.52 79
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VANCOUVER WA 98663 2 11/12/99 00
0431768076 05 01/01/00 0
1
217134042 N 12/01/29
0
3097792 K08/G02 F 268,000.00 ZZ
360 267,837.64 1
1345 SANTA LUCIA AVENUE 8.500 2,060.69 87
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LOS OSOS CA 93402 2 12/10/99 01
0411729395 05 02/01/00 25
0411729395 O 01/01/30
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3097817 K08/G02 F 20,000.00 ZZ
360 19,989.08 1
309 W. WASHINGTON STREET 9.000 160.92 80
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DUNKIRK IN 47396 1 12/17/99 00
0411754658 05 02/01/00 0
0411754658 N 01/01/30
0
3099149 A06/G02 F 200,000.00 ZZ
360 199,875.68 1
6289 MUNSELL ROAD 8.375 1,520.15 77
8.125 1,520.15 261,000.00
HOWELL MI 48843 1 12/10/99 00
0431742279 05 02/01/00 0
1000009937626 O 01/01/30
0
3099663 K08/G02 F 433,000.00 ZZ
360 432,769.57 1
871 QUAIL RUN DRIVE 9.125 3,523.03 79
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GRAND JUNCTION CO 81505 4 12/03/99 00
0411262603 03 02/01/00 0
0411262603 O 01/01/30
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3099665 K08/G02 F 104,800.00 ZZ
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COLUMBIA TN 38401 1 12/20/99 00
0411675564 05 02/01/00 0
0411675564 O 01/01/30
0
1
3099666 K08/G02 F 261,600.00 ZZ
360 261,424.47 1
23023 WHISPER CANYON 8.000 1,919.53 80
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SAN ANTONIO TX 78258 1 12/07/99 00
0411697790 03 02/01/00 0
0411697790 O 01/01/30
0
3099668 K08/G02 F 63,050.00 ZZ
360 63,017.31 1
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DUNEDIN FL 34698 1 12/20/99 10
0411700370 05 02/01/00 25
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0
3099671 K08/G02 F 69,000.00 ZZ
360 68,962.31 1
601 HARVEY LAKE ROAD 9.000 555.19 75
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HIGHLAND MI 48356 5 12/15/99 00
0411714181 05 02/01/00 0
0411714181 O 01/01/30
0
3099678 K08/G02 F 87,500.00 T
360 87,449.66 1
2611 PHLOX LANE 8.750 688.36 80
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WHITE PINE TN 37890 1 12/20/99 00
0411723927 05 02/01/00 0
0411723927 O 01/01/30
0
3099685 K08/G02 F 85,000.00 ZZ
360 84,952.35 1
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ELBERTA AL 36530 5 12/15/99 10
0411736960 05 02/01/00 12
0411736960 O 01/01/30
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3099687 K08/G02 F 126,000.00 ZZ
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BOYNTON BEACH FL 33437 1 12/20/99 01
0411737877 03 02/01/00 25
0411737877 O 01/01/30
0
3099689 K08/G02 F 32,000.00 ZZ
360 31,984.26 1
5820 HIGHLAND AVENUE 9.500 269.07 80
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HALTOM CITY TX 76117 1 12/17/99 00
0411738800 05 02/01/00 0
0411738800 N 01/01/30
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3099694 K08/G02 F 113,400.00 ZZ
360 113,341.21 1
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0411743818 05 02/01/00 25
0411743818 O 01/01/30
0
3099704 K08/G02 F 144,000.00 ZZ
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93 NORTHWEST 17TH PLACE 9.000 1,158.66 90
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MIAMI FL 33125 1 12/20/99 10
0411750094 05 02/01/00 25
0411750094 N 01/01/30
0
3099706 K08/G02 F 178,800.00 ZZ
360 178,697.13 1
608 NATCHEZ COURT 8.750 1,406.62 80
8.500 1,406.62 223,500.00
HURST TX 76054 1 12/20/99 00
0411755770 05 02/01/00 0
0411755770 N 01/01/30
0
3099707 K08/G02 F 82,800.00 ZZ
360 82,753.58 1
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LAWRENCEVILLE GA 30045 1 12/20/99 00
0411756786 05 02/01/00 0
0411756786 N 01/01/30
0
1
3099812 K08/G02 F 119,850.00 ZZ
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0411670763 05 02/01/00 20
0411670763 O 01/01/30
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3099821 K08/G02 F 104,000.00 ZZ
360 103,944.65 1
17965 SKYLINE DR 9.125 846.18 80
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GARRISON MN 56450 5 12/16/99 00
0411715154 05 02/01/00 0
0411715154 O 01/01/30
0
3099825 K08/G02 F 24,750.00 ZZ
360 24,738.45 1
3821 S. LINN AVENUE 9.750 212.64 90
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OKLAHOMA CITY OK 73119 1 12/21/99 04
0411724297 05 02/01/00 25
0411724297 N 01/01/30
0
3099839 K08/G02 F 282,400.00 ZZ
360 282,253.59 1
10 CEDAR BEND TRAIL 9.250 2,323.24 80
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LUCAS TX 75002 1 12/21/99 00
0411749229 05 02/01/00 0
0411749229 O 01/01/30
0
3100026 E82/G02 F 39,200.00 ZZ
360 39,120.20 2
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ROME NY 13440 5 12/22/99 00
0400245288 05 02/01/00 0
0400245288 N 01/01/30
0
3101283 S48/S48 F 300,000.00 ZZ
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15346 SINGLETREE DRIVE 8.750 2,360.10 76
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LONGMONT CO 80501 2 08/31/99 00
0023418494 03 11/01/99 0
0023418494 O 10/01/29
0
3101284 S48/S48 F 325,000.00 ZZ
360 324,110.06 1
4 REINA 8.250 2,441.62 62
8.000 2,441.62 525,000.00
DANA POINT CA 92629 1 09/21/99 00
0023505746 03 11/01/99 0
0023505746 O 10/01/29
0
3101285 S48/S48 F 980,000.00 ZZ
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817 SOUTH BISHOP 8.750 7,709.66 45
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CHICAGO IL 60607 5 11/01/99 00
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3101286 S48/S48 F 257,600.00 ZZ
360 257,177.95 1
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ATLANTA GA 30308 1 11/15/99 00
0023641285 05 01/01/00 0
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3101288 S48/S48 F 296,000.00 ZZ
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2820 NORTHEAST 9 STREET 8.750 2,328.64 80
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POMPANO BEA FL 33062 1 12/06/99 00
6347801331 05 02/01/00 0
6347801331 O 01/01/30
0
3101291 S48/S48 F 268,000.00 ZZ
360 267,483.77 1
4184 MILDRED AVENUE 8.250 2,013.40 80
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LOS ANGELES CA 90066 1 10/26/99 00
6658780124 05 12/01/99 0
1
6658780124 O 11/01/29
0
3101292 S48/S48 F 268,000.00 ZZ
360 267,674.13 1
2030 NEVIS COURT 8.500 2,060.69 80
8.250 2,060.69 335,000.00
ANAHEIM CA 92802 1 11/05/99 00
6663933957 03 01/01/00 0
6663933957 O 12/01/29
0
3101293 S48/S48 F 390,000.00 T
360 389,321.91 1
24425 MARINE VIEW DRIVE SOUTH 8.750 3,068.14 60
8.500 3,068.14 650,000.00
DES MOINES WA 98198 1 10/20/99 00
6742963678 05 12/01/99 0
6742963678 O 11/01/29
0
3101296 S48/S48 F 264,000.00 ZZ
360 263,687.14 1
6100 BEECH TREE 8.625 2,053.37 66
8.375 2,053.37 400,000.00
ALEXANDRIA VA 22310 1 11/30/99 00
6953446694 05 01/01/00 0
6953446694 O 12/01/29
0
3101297 S48/S48 F 274,800.00 ZZ
360 274,482.63 1
209 MICHELLE COURT 8.750 2,161.86 80
8.500 2,161.86 343,500.00
WATSONVILLE CA 95076 1 11/22/99 00
6980783556 03 01/01/00 0
6980783556 O 12/01/29
0
3102298 K08/G02 F 63,650.00 ZZ
240 63,548.48 1
3607 E FERN STREET 8.500 552.37 95
8.250 552.37 67,000.00
TAMPA FL 33610 5 12/17/99 04
0411745268 05 02/01/00 30
0411745268 O 01/01/20
0
1
3102301 K08/G02 F 76,500.00 ZZ
360 76,463.34 1
8964 LAMONT 9.625 650.25 90
9.375 650.25 85,000.00
LIVONIA MI 48152 1 12/23/99 04
0411746522 05 02/01/00 25
0411746522 N 01/01/30
0
3102308 K08/G02 F 139,500.00 ZZ
360 139,434.92 2
155 S. HARLAN STREET 9.750 1,198.52 90
9.500 1,198.52 155,000.00
LAKEWOOD CO 80226 5 12/17/99 04
0411751589 05 02/01/00 25
0411751589 O 01/01/30
0
3103409 721/G02 F 38,700.00 ZZ
360 38,677.15 2
320 N 21ST AVENUE WEST 8.625 301.01 90
8.375 301.01 43,000.00
DULUTH MN 55806 1 12/10/99 10
0431740596 05 02/01/00 25
7810118013 N 01/01/30
0
3105376 737/G02 F 86,450.00 ZZ
360 86,402.78 1
40 OAK GROVE LANE 9.000 695.60 90
8.750 695.60 96,100.00
MCDONOUGH GA 30253 1 12/17/99 10
0431742816 05 02/01/00 25
955819 N 01/01/30
0
3105492 562/G02 F 250,000.00 ZZ
360 249,827.95 1
17 COLUMBUS AVENUE 7.875 1,812.68 67
7.625 1,812.68 375,000.00
KINGS PARK NY 11754 1 12/06/99 00
0431752302 05 02/01/00 0
622217 O 01/01/30
0
3106072 074/G02 F 50,960.00 ZZ
360 50,906.95 3
431 HUMMEL STREET 9.250 419.24 73
9.000 419.24 70,000.00
1
HARRISBURG PA 17104 2 12/03/99 00
0431758531 05 01/01/00 0
1179005705 N 12/01/29
0
3106073 074/G02 F 58,500.00 ZZ
360 58,465.46 2
1644 AND 1646E CHOCOLATE AVE 8.625 455.01 90
8.375 455.01 65,000.00
HERSHEY PA 17033 1 12/03/99 04
0431758507 05 02/01/00 25
1179006300 N 01/01/30
0
3106074 074/G02 F 300,000.00 ZZ
360 299,827.40 1
8625 N ARNOLD PALMER DR 8.750 2,360.10 77
8.500 2,360.10 391,243.00
TUCSON AZ 85742 1 12/01/99 00
0431758481 03 02/01/00 0
1221186990 O 01/01/30
0
3106075 074/G02 F 260,000.00 ZZ
360 259,536.19 1
1100 N ALTA LOMA ROAD #707 8.625 2,022.25 79
8.375 2,022.25 330,000.00
WEST HOLLYWOOD CA 90069 2 10/28/99 00
0431758473 06 12/01/99 0
1246057024 O 11/01/29
0
3106076 074/G02 F 149,625.00 ZZ
360 149,452.21 2
5640 NE 17 TERRACE 8.750 1,177.10 95
8.500 1,177.10 157,500.00
FT LAUDERDALE FL 33334 1 11/10/99 01
0431758234 05 01/01/00 30
1301188178 O 12/01/29
0
3106077 074/G02 F 141,300.00 ZZ
360 141,136.81 4
7490 SW 10 COURT 8.750 1,111.61 90
8.500 1,111.61 157,000.00
NORTH LAUDERDAL FL 33068 1 11/30/99 01
0431758200 05 01/01/00 25
1302051838 N 12/01/29
0
1
3106078 074/G02 F 141,300.00 ZZ
360 141,136.81 4
7480 SW 10 COURT 8.750 1,111.61 90
8.500 1,111.61 157,000.00
NORTH LAUDERDAL FL 33068 1 11/30/99 01
0431758192 05 01/01/00 25
1302051849 N 12/01/29
0
3106079 074/G02 F 67,500.00 ZZ
360 67,420.01 1
605 FAIRFAX ROAD 8.625 525.01 90
8.375 525.01 75,000.00
W PALM BEACH FL 33405 1 11/30/99 10
0431758150 05 01/01/00 25
1303029244 N 12/01/29
0
3106081 074/G02 F 139,500.00 ZZ
360 138,770.98 3
1320 NW 2ND AVENUE 8.250 1,048.02 90
8.000 1,048.02 155,000.00
GAINESVILLE FL 32601 1 05/10/99 14
0431758135 05 07/01/99 25
1322043854 N 06/01/29
0
3106082 074/G02 F 120,000.00 ZZ
360 119,842.47 4
463 76TH AVENUE N 8.125 891.00 80
7.875 891.00 150,000.00
ST PETERSBURG FL 33702 1 11/30/99 00
0431758119 05 01/01/00 0
1326003862 N 12/01/29
0
3106083 074/G02 F 87,300.00 ZZ
360 87,201.75 3
417 MACY STREET 8.875 694.60 90
8.625 694.60 97,000.00
WEST PALM BEACH FL 33405 1 11/12/99 01
0431758101 05 01/01/00 25
1327002184 N 12/01/29
0
3106087 074/G02 F 34,200.00 ZZ
360 34,147.77 2
1
17 RUTH 9.375 284.46 90
9.125 284.46 38,000.00
ECORSE MI 48229 1 10/28/99 11
0431758069 05 12/01/99 25
1503651721 N 11/01/29
0
3106088 074/G02 F 72,450.00 ZZ
360 72,372.59 4
11106 BALTIC DRIVE 9.125 589.48 90
8.875 589.48 80,500.00
SAN ANTONIO TX 78213 1 11/18/99 10
0431757962 05 01/01/00 25
1526044921 N 12/01/29
0
3106089 074/G02 F 284,000.00 ZZ
360 283,672.01 1
3 KINGS MILL 8.750 2,234.23 80
8.500 2,234.23 355,000.00
SAN ANTONIO TX 78257 1 12/01/99 00
0431757947 03 01/01/00 0
1526044954 N 12/01/29
0
3106090 074/G02 F 45,700.00 ZZ
360 45,647.23 1
6473 BROOKWAY 8.750 359.52 90
8.500 359.52 50,820.00
SAN ANTONIO TX 78240 1 11/30/99 10
0431757798 03 01/01/00 25
1526045006 N 12/01/29
0
3106091 074/G02 F 100,800.00 ZZ
360 100,677.43 4
12635 ASHFORD MEADOWS DR 8.500 775.07 90
8.250 775.07 112,000.00
HOUSTON TX 77082 1 11/18/99 14
0431757012 05 01/01/00 25
1539037157 N 12/01/29
0
3106093 074/G02 F 45,400.00 ZZ
360 45,352.74 1
1000 N 22ND STREET 9.250 373.50 90
9.000 373.50 50,470.00
WACO TX 76707 1 11/19/99 14
0431756972 05 01/01/00 25
1
1539043310 N 12/01/29
0
3106094 074/G02 F 376,000.00 ZZ
360 375,576.84 1
659 40TH AVENUE 8.875 2,991.63 80
8.625 2,991.63 470,000.00
SAN FRANCISCO CA 94121 1 11/16/99 00
0431756881 05 01/01/00 0
1557040958 O 12/01/29
0
3106095 074/G02 F 156,000.00 ZZ
360 155,815.12 4
1036 AND 1038 25TH ST 8.625 1,213.36 79
8.375 1,213.36 198,000.00
OGDEN UT 84401 2 11/29/99 00
0431756873 05 01/01/00 0
1557041677 N 12/01/29
0
3106096 074/G02 F 280,000.00 ZZ
360 279,692.95 1
830 PACHECO DRIVE 9.000 2,252.95 71
8.750 2,252.95 399,000.00
MILPITAS CA 95035 2 11/08/99 00
0431756865 05 01/01/00 0
1561461971 O 12/01/29
0
3106098 074/G02 F 316,400.00 ZZ
360 316,043.91 1
3217 AMARO LANE 8.875 2,517.43 80
8.625 2,517.43 395,560.00
SAN JOSE CA 95135 1 11/09/99 00
0431756857 03 01/01/00 0
1561462806 O 12/01/29
0
3106099 074/G02 F 380,600.00 ZZ
360 380,171.67 1
721 SALTILLO PLACE 8.875 3,028.23 80
8.625 3,028.23 475,800.00
FREMONT CA 94536 1 11/20/99 00
0431756824 03 01/01/00 0
1561462817 O 12/01/29
0
1
3106100 074/G02 F 80,000.00 ZZ
360 79,920.99 4
11126 BEL AIR DRIVE 9.500 672.68 90
9.250 672.68 88,900.00
SAN ANTONIO TX 78213 1 11/15/99 10
0431756832 05 01/01/00 25
1563317626 N 12/01/29
0
3106101 074/G02 F 108,800.00 ZZ
360 108,187.01 1
5152 SELENA DRIVE 7.875 788.88 85
7.625 788.88 128,000.00
STONE MOUNTAIN GA 30087 5 05/03/99 14
0431756774 05 07/01/99 12
1566172508 O 06/01/29
0
3106103 074/G02 F 284,000.00 ZZ
360 283,654.68 1
1836 CANYON HEIGHTS RD 8.500 2,183.72 80
8.250 2,183.72 355,000.00
FALLBROOK CA 92028 1 11/17/99 00
0431756808 05 01/01/00 0
1567292684 O 12/01/29
0
3106106 074/G02 F 256,000.00 ZZ
360 255,277.40 1
1315 STREET LAURENCE DR 8.625 1,991.15 80
8.375 1,991.15 320,000.00
ALPHARETTA GA 30201 1 11/02/99 00
0431756766 03 12/01/99 0
1577280160 O 11/01/29
0
3106107 074/G02 F 123,500.00 ZZ
360 123,415.00 1
855 CAMPBELL LEAD RD #210 7.875 895.47 65
7.625 895.47 190,000.00
GATLINBURG TN 37738 2 12/09/99 00
0431756758 08 02/01/00 0
1577285109 N 01/01/30
0
3106108 074/G02 F 56,700.00 ZZ
360 56,668.20 1
2151 CAMBRIDGE ROAD 8.875 451.14 90
8.625 451.14 63,000.00
1
ATLANTA GA 30337 1 12/03/99 14
0431756741 05 02/01/00 25
1577287148 N 01/01/30
0
3106109 074/G02 F 375,200.00 ZZ
360 374,960.74 1
31 SUSSEX LANE 8.250 2,818.76 80
8.000 2,818.76 469,000.00
HILTON HEAD ISL SC 29926 1 12/09/99 00
0431756725 03 02/01/00 0
1577287953 O 01/01/30
0
3106110 074/G02 F 107,100.00 ZZ
360 106,982.54 1
795 EAST PINEWOOD DRIVE 9.000 861.76 90
8.750 861.76 119,000.00
SANDY UT 84094 1 11/04/99 11
0431756717 05 01/01/00 25
1579119144 N 12/01/29
0
3106112 074/G02 F 53,900.00 ZZ
360 53,745.05 3
20 20 1/2 5TH AVENUE & 504 W 8.625 419.23 90
FIRST ST 8.375 419.23 59,900.00
LAUREL MT 59044 1 11/22/99 01
0431756709 05 01/01/00 25
1579124869 N 12/01/29
0
3106113 074/G02 F 93,600.00 ZZ
360 93,505.09 4
52 & 54 POND STREET 9.375 778.52 90
9.125 778.52 104,000.00
PAWTUCKET RI 02860 1 11/30/99 11
0431756683 05 01/01/00 25
1580177782 N 12/01/29
0
3106115 074/G02 F 67,500.00 ZZ
360 67,422.03 3
25-27 NEWTON STREET 8.750 531.03 90
8.500 531.03 75,000.00
PROVIDENCE RI 02907 1 11/30/99 11
0431756659 05 01/01/00 25
1580180197 N 12/01/29
0
1
3106116 074/G02 F 121,500.00 ZZ
360 121,373.52 3
12-14 SAUNDERS STREET 9.250 999.56 90
9.000 999.56 135,000.00
PORTLAND ME 04103 1 11/22/99 14
0431756634 05 01/01/00 25
1580180517 N 12/01/29
0
3106117 074/G02 F 62,900.00 ZZ
360 62,867.38 3
106 WASHINGTON STREET 9.250 517.47 90
9.000 517.47 69,900.00
ROCHESTER NH 03867 1 12/08/99 11
0431756618 05 02/01/00 25
1580181666 N 01/01/30
0
3106118 074/G02 F 103,950.00 ZZ
360 103,838.45 3
6705 ALEXANDER 9.125 845.78 90
8.875 845.78 115,500.00
HAMMOND IN 46323 1 11/23/99 01
0431756592 05 01/01/00 25
1581341076 N 12/01/29
0
3106119 074/G02 F 50,400.00 ZZ
360 50,350.20 4
110 S MERRIMAC STREET 9.500 423.80 90
9.250 423.80 56,000.00
PONTIAC MI 48340 1 11/19/99 11
0431756535 05 01/01/00 25
1581361313 N 12/01/29
0
3106120 074/G02 F 46,300.00 ZZ
360 46,271.22 1
558 NASH STREET 8.375 351.92 90
8.125 351.92 51,450.00
AKRON OH 44306 1 12/03/99 14
0431756444 05 02/01/00 25
1581366634 N 01/01/30
0
3106121 074/G02 F 116,350.00 ZZ
360 116,222.42 4
1
10145 CHAUCER 9.000 936.18 90
8.750 936.18 129,300.00
OVERLAND MO 63114 1 11/23/99 11
0431756410 05 01/01/00 25
1583252013 N 12/01/29
0
3106123 074/G02 F 350,000.00 ZZ
360 349,823.25 1
14601 N SOMERSET CIRCLE 9.375 2,911.13 64
9.125 2,911.13 555,000.00
LIBERTYVILLE IL 60048 2 12/02/99 00
0431756402 05 02/01/00 0
1583258778 O 01/01/30
0
3106124 074/G02 F 342,500.00 ZZ
360 342,143.50 1
6227 BLUE SPRUCE COURT 9.250 2,817.67 63
9.000 2,817.67 550,000.00
LONG GROVE IL 60047 2 11/29/99 00
0431756394 05 01/01/00 0
1583259260 O 12/01/29
0
3106125 074/G02 F 107,100.00 ZZ
360 106,991.40 2
1441 41ST STREET 9.375 890.81 90
9.125 890.81 119,000.00
NORFOLK VA 23508 1 11/09/99 11
0431756378 05 01/01/00 25
1587266971 N 12/01/29
0
3106126 074/G02 F 73,500.00 ZZ
360 73,417.28 1
530 OCEAN DRIVE 8.875 584.80 75
8.625 584.80 98,000.00
MIAMI BEACH FL 33139 1 11/29/99 00
0431756352 01 01/01/00 0
1589392569 N 12/01/29
0
3106127 074/G02 F 440,000.00 ZZ
360 439,726.51 1
10801 ROCHESTER AVENUE 8.375 3,344.32 80
8.125 3,344.32 550,000.00
LOS ANGELES CA 90024 1 12/01/99 00
0431756345 05 02/01/00 0
1
1595174041 O 01/01/30
0
3106128 074/G02 F 263,200.00 ZZ
360 262,863.17 1
5791 CARLIN AVENUE 8.250 1,977.34 80
8.000 1,977.34 330,000.00
WESTMINSTER CA 92683 2 11/23/99 00
0431756337 03 01/01/00 0
1595186346 O 12/01/29
0
3106131 074/G02 F 82,800.00 ZZ
360 82,704.37 3
1501 15TH AVENUE 8.750 651.39 90
8.500 651.39 92,000.00
ROCKFORD IL 61104 1 11/30/99 01
0431756279 05 01/01/00 25
1607707728 O 12/01/29
0
3106132 074/G02 F 80,900.00 ZZ
360 80,806.58 3
542 NORTH MONTELLO S 8.750 636.44 90
8.500 636.44 89,900.00
BROCKTON MA 02301 1 11/12/99 04
0431756261 05 01/01/00 25
1811098558 N 12/01/29
0
3106136 074/074 F 292,000.00 ZZ
360 291,818.50 1
19 NICOLE LOOP 8.375 2,219.42 80
8.125 2,219.42 365,000.00
STATEN ISLAND NY 10301 1 12/03/99 00
1106281552 03 02/01/00 0
1106281552 O 01/01/30
0
3106138 074/074 F 400,000.00 ZZ
360 399,775.75 2
14-06 WATERS EDGE DRIVE 8.875 3,182.58 75
8.625 3,182.58 535,000.00
BAYSIDE NY 11360 1 12/03/99 00
1111329873 05 02/01/00 0
1111329873 O 01/01/30
0
1
3106140 074/074 F 112,900.00 ZZ
360 112,779.38 4
1103 SW 15 TERRACE 9.125 918.59 90
8.875 918.59 125,540.00
FT LAUDERDALE FL 33312 1 12/01/99 01
1302051383 05 01/01/00 25
1302051383 N 12/01/29
0
3106141 074/074 F 112,900.00 ZZ
360 112,779.38 4
1105 SW 15 TERRACE 9.125 918.59 90
8.875 918.59 125,540.00
FORT LAUDERDALE FL 33312 1 12/01/99 01
1302051394 05 01/01/00 25
1302051394 N 12/01/29
0
3106142 074/074 F 94,500.00 ZZ
360 94,393.64 2
64 MORNINGSIDE DRIVE 8.875 751.89 90
8.625 751.89 105,000.00
WATERBURY CT 06708 1 12/03/99 11
1580180029 05 01/01/00 25
1580180029 N 12/01/29
0
3106144 074/074 F 93,500.00 ZZ
360 93,400.10 4
412-414WHITTAKER AVENUE 9.125 760.75 78
8.875 760.75 120,000.00
TRENTON NJ 08611 2 11/15/99 00
1587264353 05 01/01/00 0
1587264353 N 12/01/29
0
3107821 E86/G02 F 139,500.00 ZZ
360 139,431.39 1
28 EAST BIRCH STREET 9.500 1,172.99 90
9.250 1,172.99 155,000.00
CENTRAL ISLIP NY 11722 1 12/13/99 14
0431753359 05 02/01/00 25
54967 N 01/01/30
0
3107853 737/G02 F 54,900.00 ZZ
360 54,873.70 2
1736 HAWTHORNE AVENUE 9.625 466.64 90
9.375 466.64 61,000.00
1
COLLEGE PARK GA 30337 1 12/20/99 10
0431743053 05 02/01/00 25
2000273 N 01/01/30
0
3108019 623/G02 F 134,900.00 ZZ
360 134,830.06 4
476-482 BARNETT ROAD 9.250 1,109.79 90
9.000 1,109.79 149,900.00
COLUMBUS OH 43213 1 12/15/99 01
0431743145 05 02/01/00 25
1418337 N 01/01/30
0
3108111 E60/G02 F 239,900.00 ZZ
360 239,778.85 1
520 HILL STREET 9.375 1,995.37 69
9.125 1,995.37 350,000.00
SAN LUIS OBISPO CA 93401 1 12/16/99 00
0431747575 05 02/01/00 0
512191 N 01/01/30
0
3108225 830/G02 F 50,000.00 ZZ
360 49,976.05 1
30 SOUTH 1ST EAST 9.625 424.99 72
9.375 424.99 69,500.00
SMITHFIELD UT 84335 5 12/16/99 00
0431748110 05 02/01/00 0
544099 N 01/01/30
0
3108448 168/168 F 175,000.00 ZZ
360 174,888.41 1
27 CHERYL DRIVE 8.250 1,314.72 69
8.000 1,314.72 254,900.00
SHOREHAM NY 11786 1 12/17/99 00
249506203 05 02/01/00 0
249506203 O 01/01/30
0
3109201 738/G02 F 124,200.00 ZZ
360 124,126.67 1
1729 DEARMON DR 8.625 966.02 90
8.375 966.02 138,000.00
CHARLOTTE NC 28205 1 12/20/99 01
0431797364 05 02/01/00 25
5277997 O 01/01/30
0
1
3109395 K08/G02 F 580,000.00 ZZ
360 579,666.31 1
18 CONNOR LANE 8.750 4,562.86 69
8.500 4,562.86 850,000.00
PRINCETON MA 01541 5 12/20/99 00
0411729924 05 02/01/00 0
0411729924 O 01/01/30
0
3109396 K08/G02 F 157,250.00 ZZ
360 157,170.59 1
28442 THORNY BRAE 9.375 1,307.93 85
9.125 1,307.93 185,000.00
FARMINGTON HILL MI 48331 5 12/20/99 10
0411731326 05 02/01/00 12
0411731326 O 01/01/30
0
3109415 K08/G02 F 72,000.00 ZZ
360 71,961.68 2
1569 MAPLE 9.125 585.82 80
8.875 585.82 90,000.00
WYANDOTTE MI 48192 1 11/26/99 00
0411699200 05 01/01/00 0
0411699200 N 12/01/29
0
3109420 K08/G02 F 183,350.00 ZZ
360 183,230.06 1
18748 EAST WHITAKER CIRCLE 8.125 1,361.37 90
7.875 1,361.37 205,000.00
AURORA CO 80015 2 12/20/99 10
0411718679 03 02/01/00 25
0411718679 O 01/01/30
0
3109424 K08/G02 F 224,200.00 ZZ
360 224,083.77 1
3164 WEST 100TH DRIVE 9.250 1,844.44 95
9.000 1,844.44 236,000.00
WESTMINSTER CO 80031 5 12/16/99 10
0411731490 05 02/01/00 30
0411731490 O 01/01/30
0
3109426 K08/G02 F 225,150.00 ZZ
360 225,010.06 1
1
10700 RAWLES ROAD 8.375 1,711.30 95
8.125 1,711.30 237,000.00
OAKDALE CA 95361 5 12/20/99 04
0411733439 05 02/01/00 25
0411733439 O 01/01/30
0
3109427 K08/G02 F 134,500.00 ZZ
360 134,414.24 1
903 OXBOW TRAIL 8.250 1,010.45 80
8.000 1,010.45 170,000.00
MARBLE FALLS TX 78654 4 12/27/99 00
0411733603 05 02/01/00 0
0411733603 O 01/01/30
0
3109430 K08/G02 F 64,500.00 ZZ
360 64,461.92 1
724 25TH AVENUE NE 8.625 501.67 75
8.375 501.67 86,000.00
GREAT FALLS MT 59404 5 12/21/99 00
0411740293 05 02/01/00 0
0411740293 O 01/01/30
0
3109431 K08/G02 F 67,500.00 ZZ
360 67,468.51 4
406 ALTITUDE DRIVE 9.750 579.93 90
9.500 579.93 75,000.00
SAN ANTONIO TX 78227 1 12/27/99 04
0411747090 05 02/01/00 25
0411747090 N 01/01/30
0
3109432 K08/G02 F 47,250.00 ZZ
360 47,223.51 1
3628 EAST 61ST STREET 8.875 375.94 90
8.625 375.94 52,500.00
CLEVELAND OH 44105 1 12/27/99 04
0411748098 05 02/01/00 25
0411748098 N 01/01/30
0
3109433 K08/G02 F 51,200.00 ZZ
360 51,114.94 1
915 W. GREENWOOD STREET 9.625 435.19 80
9.375 435.19 64,000.00
FAYETTEVILLE AR 72701 2 12/23/99 00
0411749187 05 02/01/00 0
1
0411749187 N 01/01/30
0
3109434 K08/G02 F 139,500.00 ZZ
360 139,427.68 1
7950 S.W. 23 STREET 9.250 1,147.63 90
9.000 1,147.63 156,000.00
MIAMI FL 33155 5 12/21/99 01
0411749997 05 02/01/00 25
0411749997 O 01/01/30
0
3109438 K08/G02 F 73,700.00 ZZ
360 73,661.79 1
2315 SPRINGRIDGE DRIVE 9.250 606.31 90
9.000 606.31 82,000.00
ARLINGTON TX 76014 1 12/27/99 10
0411755887 05 02/01/00 25
0411755887 O 01/01/30
0
3109440 K08/G02 F 32,400.00 ZZ
360 32,385.28 1
21640 HILLSIDE DRIVE 9.875 281.35 90
9.625 281.35 36,000.00
CLINTON TWP MI 48035 1 12/27/99 10
0411756273 01 02/01/00 25
0411756273 N 01/01/30
0
3109442 K08/G02 F 53,200.00 ZZ
360 53,170.18 1
2109 LONGWOOD LANE 8.875 423.28 70
8.625 423.28 76,000.00
DALLAS TX 75228 5 12/20/99 00
0411759624 05 02/01/00 0
0411759624 O 01/01/30
0
3109532 K08/G02 F 307,000.00 ZZ
360 306,827.89 1
3 VIA TORRE 8.875 2,442.63 75
8.625 2,442.63 410,000.00
RANCHO SANTA MA CA 92688 5 12/14/99 00
0411696446 03 02/01/00 0
0411696446 O 01/01/30
0
1
3109534 K08/G02 F 184,000.00 ZZ
360 183,798.23 1
7041 STONEBROOK 9.000 1,480.51 80
8.750 1,480.51 230,000.00
WEST BLOOMFIELD MI 48322 1 11/29/99 00
0411706195 05 01/01/00 0
0411706195 O 12/01/29
0
3109536 K08/G02 F 136,800.00 ZZ
360 136,732.71 1
2945 N 77TH CT 9.500 1,150.29 90
9.250 1,150.29 152,000.00
ELMWOOD PARK IL 60707 1 12/28/99 01
0411719131 05 02/01/00 25
0411708712 N 01/01/30
0
3109537 K08/G02 F 74,600.00 ZZ
240 74,482.88 1
12154 S ADA ST 8.625 653.31 89
8.375 653.31 84,000.00
CHICAGO IL 60643 2 12/22/99 04
0411710510 05 02/01/00 25
0411710510 O 01/01/20
0
3109538 K08/G02 F 111,000.00 ZZ
360 110,937.77 1
39260 SCHROEDER 8.875 883.17 67
8.625 883.17 166,000.00
CLINTON TWP MI 48038 1 12/28/99 00
0411714009 05 02/01/00 0
0411714009 O 01/01/30
0
3109541 K08/G02 F 66,000.00 ZZ
360 65,961.04 1
6851 ROSWELL ROAD 8.625 513.34 71
UNIT L19 8.375 513.34 93,500.00
ATLANTA GA 30328 1 12/28/99 00
0411720634 01 02/01/00 0
0411720634 O 01/01/30
0
3109551 K08/G02 F 80,000.00 ZZ
360 79,953.97 1
22131 SPITZLEY 8.750 629.36 80
8.125 629.36 100,000.00
1
CLINTON MI 49236 1 12/28/99 00
0411759061 05 02/01/00 0
0411759061 N 01/01/30
0
3109555 K08/G02 F 92,000.00 ZZ
360 91,945.68 1
4947 REVERE COURT 8.625 715.57 80
8.375 715.57 115,000.00
DOUGLASVILLE GA 30135 5 12/22/99 00
0411764111 05 02/01/00 0
0411764111 O 01/01/30
0
3109556 K08/G02 F 72,900.00 ZZ
360 72,865.08 1
3713 GREENHILL LANE 9.625 619.64 90
9.375 619.64 81,000.00
GRAND PRAIRIE TX 75052 1 12/28/99 10
0411764269 05 02/01/00 25
0411764269 N 01/01/30
0
3110493 E82/G02 F 149,750.00 ZZ
360 149,659.28 1
1374 SUGAR MAPLE LANE 8.500 1,151.45 73
8.250 1,151.45 207,900.00
LEXINGTON KY 40511 1 12/30/99 00
0400237699 05 02/01/00 0
0400237699 N 01/01/30
0
3110496 E82/G02 F 110,000.00 T
360 109,944.46 1
493 OCEAN BLVD UNIT 16 9.375 914.92 63
9.125 914.92 175,000.00
HAMPTON NH 03842 5 12/23/99 00
0400247193 01 02/01/00 0
0400247193 O 01/01/30
0
3110780 637/G02 F 124,600.00 ZZ
360 124,530.15 1
834 MUIRFIELD ROAD 8.875 991.37 70
8.375 991.37 178,000.00
KELLER TX 76248 1 12/08/99 00
0431763648 05 02/01/00 0
001900711 N 01/01/30
0
1
3111044 E82/G02 F 127,000.00 ZZ
360 126,928.80 2
33 ALSTON STREET 8.875 1,010.47 64
8.625 1,010.47 200,000.00
SOMERVILLE MA 02145 5 12/28/99 00
0400201497 05 02/01/00 0
0400201497 N 01/01/30
0
3111174 A38/G02 F 58,050.00 ZZ
360 58,017.46 1
5927 HOLLOW PINE DRIVE 8.875 461.87 90
8.625 461.87 64,500.00
HOUSTON TX 77049 1 12/14/99 10
0431745462 03 02/01/00 25
2430530 N 01/01/30
0
3111768 F36/G02 F 77,000.00 ZZ
360 76,057.08 1
6106 24TH STREET NW 9.000 619.56 67
8.750 619.56 115,000.00
GIG HARBOR WA 98335 5 12/14/99 00
0431740232 05 02/01/00 0
06502913 N 01/01/30
0
3112082 562/G02 F 283,500.00 ZZ
360 283,219.99 2
118-07 14TH ROAD 9.500 2,383.83 90
9.250 2,383.83 315,000.00
COLLEGE POINT NY 11356 1 11/15/99 04
0431750942 05 01/01/00 25
620385 N 12/01/29
0
3112202 742/G02 F 63,000.00 ZZ
360 62,968.19 4
107-109 EAST COLUMBUS AVENUE 9.375 524.00 90
9.125 524.00 70,000.00
PITTSON PA 18640 1 12/22/99 04
0431750058 05 02/01/00 25
4878393 N 01/01/30
0
3112723 286/286 F 228,000.00 ZZ
360 227,526.17 1
1
220 CANOE BRANCH LANDING 7.875 1,653.16 80
7.625 1,653.16 285,000.00
CASTALIAN SPRIN TN 37031 2 11/01/99 00
0000641870 05 12/01/99 0
0000641870 O 11/01/29
0
3112724 286/286 F 456,000.00 ZZ
360 455,230.96 1
5909 NORTH KOLMAR 8.125 3,385.79 80
7.875 3,385.79 570,000.00
CHICAGO IL 60646 1 11/15/99 00
0000643589 05 01/01/00 0
0000643589 O 12/01/29
0
3112730 286/286 F 192,500.00 ZZ
360 192,271.87 1
1769 COUNTY RD 17 8.625 1,497.25 69
8.375 1,497.25 282,000.00
ROLLINSVILLE CO 80474 5 11/17/99 00
0000645788 05 01/01/00 0
0000645788 O 12/01/29
0
3112732 286/286 F 286,200.00 ZZ
360 280,364.96 2
32-49 70TH ST 8.250 2,150.13 90
8.000 2,150.13 318,000.00
JACKSON HEIGHTS NY 11369 1 08/25/97 12
0008638879 07 10/01/97 25
0008638879 O 09/01/27
0
3112735 286/286 F 110,000.00 ZZ
360 109,869.65 1
5 DOUGLAS AVENUE 8.625 855.57 75
8.375 855.57 147,000.00
MANOMET MA 02360 5 11/22/99 00
0009664369 05 01/01/00 0
0009664369 N 12/01/29
0
3113040 K08/G02 F 54,000.00 ZZ
360 53,972.01 2
212 OHIO ST 9.250 444.24 90
9.000 444.24 60,000.00
JOLIET IL 60432 1 12/29/99 01
0411743024 05 02/01/00 25
1
0411743024 N 01/01/30
0
3113042 K08/G02 F 91,800.00 ZZ
360 91,749.86 1
1416 WAVERLY STREET 9.000 738.64 90
8.750 738.64 102,000.00
HOUSTON TX 77008 1 12/28/99 04
0411747942 05 02/01/00 25
0411747942 N 01/01/30
0
3113043 K08/G02 F 53,600.00 ZZ
360 53,574.99 1
1311 N FRANCES STREET 9.750 460.51 80
9.500 460.51 67,000.00
TERRELL TX 75160 2 12/29/99 00
0411748452 05 02/01/00 0
0411748452 N 01/01/30
0
3113045 K08/G02 F 112,100.00 T
360 112,022.86 1
6 DUTTON DRIVE 7.875 812.80 75
7.625 812.80 150,000.00
PAGOSA SPRINGS CO 81147 2 12/29/99 00
0411748866 05 02/01/00 0
0411748866 O 01/01/30
0
3113047 K08/G02 F 44,000.00 ZZ
360 43,976.58 1
5550 LAKESIDE DRIVE, UNIT #201 9.125 358.00 79
8.875 358.00 56,100.00
MARGATE FL 33063 1 12/29/99 00
0411750847 01 02/01/00 0
0411750847 O 01/01/30
0
3113048 K08/G02 F 103,550.00 ZZ
360 103,493.44 2
109 HAMILTON STREET 9.000 833.19 95
8.750 833.19 109,000.00
BOUND BROOK NJ 08805 1 12/29/99 10
0411752967 05 02/01/00 30
0411752967 O 01/01/30
0
1
3113049 K08/G02 F 62,100.00 ZZ
360 62,067.81 1
3733 ATLANTIC ROAD 9.250 510.88 90
9.000 510.88 69,000.00
PALM BEACH GARD FL 33410 1 12/29/99 11
0411754211 05 02/01/00 25
0411754211 O 01/01/30
0
3113053 K08/G02 F 73,000.00 ZZ
360 72,965.03 4
708 QUINCY STREET 9.625 620.49 95
9.375 620.49 76,887.00
SAN ANTONIO TX 78215 1 12/22/99 04
0411757636 05 02/01/00 30
0411757636 O 01/01/30
0
3113055 K08/G02 F 55,500.00 ZZ
360 55,447.24 1
167 ANISTASIA DRIVE 8.625 431.67 94
8.375 431.67 59,500.00
FERGUSON MO 63135 5 12/23/99 01
0411762321 05 02/01/00 30
0411762321 O 01/01/30
0
3113056 K08/G02 F 212,000.00 ZZ
360 211,884.20 1
3100 BRAZOS COURT 9.000 1,705.80 80
8.750 1,705.80 265,000.00
HURST TX 76054 1 12/22/99 00
0411762529 05 02/01/00 0
0411762529 N 01/01/30
0
3113057 K08/G02 F 300,000.00 ZZ
360 299,848.50 4
5943-45 PALO PINTO AVENUE 9.375 2,495.25 89
9.125 2,495.25 340,000.00
DALLAS TX 75206 1 12/29/99 01
0411764137 05 02/01/00 25
0411764137 N 01/01/30
0
3113059 K08/G02 F 202,300.00 ZZ
240 201,987.35 1
4 ANDERSON PLACE 8.750 1,787.75 85
8.500 1,787.75 240,000.00
1
OXFORD AL 36203 5 12/23/99 10
0411765084 05 02/01/00 12
0411765084 O 01/01/20
0
3113063 K08/G02 F 76,500.00 ZZ
360 76,461.37 2
4163 & 4165 CASS ST. 9.375 636.29 90
9.125 636.29 85,000.00
OMAHA NE 68131 1 12/29/99 04
0411767429 05 02/01/00 25
0411767429 N 01/01/30
0
3115795 K08/G02 F 138,000.00 ZZ
360 137,918.53 1
9851 E. LINDSEY 8.625 1,073.35 77
8.375 1,073.35 179,314.00
NORMAN OK 73071 5 12/23/99 00
0411401508 05 02/01/00 0
0411401508 O 01/01/30
0
3115797 K08/G02 F 49,900.00 ZZ
360 49,877.92 1
313 W. LEHOW AVENUE, #21 10.000 437.91 75
9.750 437.91 66,575.00
ENGLEWOOD CO 80110 1 12/30/99 00
0411585706 01 02/01/00 0
0411585706 N 01/01/30
0
3115799 K08/G02 F 60,000.00 ZZ
360 59,967.23 1
1904 N. FIREWOOD AVENUE 9.000 482.77 80
8.750 482.77 75,000.00
BROKEN ARROW OK 74012 1 12/30/99 00
0411639214 05 02/01/00 0
0411639214 N 01/01/30
0
3115800 K08/G02 F 28,800.00 ZZ
360 28,783.43 1
3613 E 30TH ST 8.750 226.57 80
8.500 226.57 36,000.00
INDIANAPOLIS IN 46218 5 12/30/99 00
0411664865 05 02/01/00 0
0411664865 N 01/01/30
0
1
3115801 K08/G02 F 67,050.00 ZZ
360 67,012.41 2
3126 & 3128 SCOTCH MOSS LANE 8.875 533.48 90
8.625 533.48 74,500.00
LA PORTE TX 77571 1 12/22/99 10
0411672694 05 02/01/00 25
0411672694 N 01/01/30
0
3115803 K08/G02 F 108,500.00 ZZ
360 108,446.63 2
713-717 W SHAKOPEE AVE AV 9.500 912.33 70
9.250 912.33 156,000.00
SHAKOPEE MN 55379 1 12/30/99 00
0411702962 05 02/01/00 0
0411702962 N 01/01/30
0
3115804 K08/G02 F 110,700.00 ZZ
360 110,629.41 1
4109 LAURA LANE 8.250 831.65 90
8.000 831.65 123,000.00
YAKIMA WA 98908 1 12/23/99 04
0411709751 05 02/01/00 25
0411709751 O 01/01/30
0
3115805 K08/G02 F 52,500.00 ZZ
360 52,464.77 1
2724 EAST 16TH AVENUE 8.000 385.23 68
7.750 385.23 78,000.00
SPOKANE WA 99223 1 12/20/99 00
0411710486 05 02/01/00 0
0411710486 N 01/01/30
0
3115806 K08/G02 F 265,600.00 ZZ
360 265,443.19 1
3001 SW 189 TERRACE 8.625 2,065.81 80
8.375 2,065.81 332,014.00
MIRAMAR FL 33029 1 12/30/99 00
0411715808 03 02/01/00 0
0411715808 O 01/01/30
0
3115809 K08/G02 F 240,000.00 ZZ
360 239,850.83 3
1
1954,1956 & 1958 GRAND AVENUE 8.375 1,824.17 73
8.125 1,824.17 330,000.00
VENTURA CA 93003 5 12/20/99 00
0411727894 05 02/01/00 0
0411727894 O 01/01/30
0
3115810 K08/G02 F 71,250.00 ZZ
360 71,210.05 1
3234 BIRCH AVENUE 8.875 566.90 75
8.625 566.90 95,000.00
BREMERTON WA 98310 5 12/27/99 00
0411730609 05 02/01/00 0
0411730609 N 01/01/30
0
3115811 K08/G02 F 77,500.00 ZZ
360 77,461.88 4
30-32 CENTER STREET 9.500 651.66 87
9.250 651.66 90,000.00
BRIDGEPORT CT 06608 1 12/30/99 10
0411731003 05 02/01/00 25
0411731003 N 01/01/30
0
3115813 K08/G02 F 80,800.00 ZZ
360 80,753.52 1
271 NW 147 STREET 8.750 635.65 82
8.500 635.65 99,000.00
MIAMI FL 33168 2 12/30/99 10
0411734056 05 02/01/00 20
0411734056 N 01/01/30
0
3115816 K08/G02 F 57,250.00 ZZ
360 57,221.09 1
1900 NORTH KEY BOULEVARD 9.375 476.18 72
UNIT 9460 9.125 476.18 80,000.00
ARLINGTON VA 22201 2 12/30/99 00
0411738826 01 02/01/00 0
0411738826 N 01/01/30
0
3115818 K08/G02 F 85,000.00 ZZ
360 84,953.57 4
2756 ENSLIN ST 9.000 683.93 78
8.750 683.93 110,000.00
CINCINNATI OH 45225 2 12/30/99 00
0411741572 05 02/01/00 0
1
0411741572 N 01/01/30
0
3115823 K08/G02 F 54,000.00 ZZ
360 53,973.44 1
216 BENNETT STREET 9.500 454.06 90
9.250 454.06 60,000.00
WINTER SPRINGS FL 32708 1 12/23/99 01
0411745011 05 02/01/00 25
0411745011 N 01/01/30
0
3115824 K08/G02 F 97,600.00 ZZ
360 97,546.69 1
600 NORTH BREA BOULEVARD UNIT 9.000 785.31 80
8.750 785.31 122,000.00
BREA CA 92821 5 12/23/99 00
0411745136 01 02/01/00 0
0411745136 O 01/01/30
0
3115825 K08/G02 F 43,000.00 ZZ
360 42,978.85 1
1804 SOUTH PERRY STREET 9.500 361.57 80
9.250 361.57 54,000.00
GASTONIA NC 28052 2 12/30/99 00
0411747116 05 02/01/00 0
0411747116 N 01/01/30
0
3115826 K08/G02 F 39,900.00 ZZ
360 39,880.38 1
2001 FOXWORTH STREET 9.500 335.50 80
9.250 335.50 50,000.00
GASTONIA NC 28052 2 12/30/99 00
0411747538 05 02/01/00 0
0411747538 N 01/01/30
0
3115828 K08/G02 F 47,900.00 ZZ
360 47,876.44 1
2119 HARTFORD ROAD 9.500 402.77 80
9.250 402.77 60,000.00
GASTONIA NC 28052 2 12/30/99 00
0411748023 05 02/01/00 0
0411748023 N 01/01/30
0
1
3115830 K08/G02 F 112,500.00 ZZ
360 112,424.84 4
1128 DIMARCO DRIVE UNIT A-D 9.625 956.24 90
9.375 956.24 125,000.00
MARRERO LA 70072 1 12/28/99 04
0411751514 05 02/01/00 25
0411751514 N 01/01/30
0
3115831 K08/G02 F 20,000.00 ZZ
360 19,987.25 1
360 WEST SPRING STREET 8.250 150.25 80
UNIT # D18 8.000 150.25 25,000.00
WEST HAVEN CT 06516 1 12/30/99 00
0411751621 01 02/01/00 0
0411751621 N 01/01/30
0
3115832 K08/G02 F 104,250.00 ZZ
360 104,190.02 1
1204 STAPLE COVE 8.750 820.14 90
8.500 820.14 115,848.00
PFLUGERVILLE TX 78660 1 12/30/99 04
0411752744 05 02/01/00 25
0411752744 O 01/01/30
0
3115834 K08/G02 F 88,650.00 ZZ
360 88,601.58 2
1902 NICOLE CIRCLE 9.000 713.30 90
8.750 713.30 98,500.00
ROUND ROCK TX 78664 1 12/23/99 01
0411756174 05 02/01/00 25
0411756174 N 01/01/30
0
3115835 K08/G02 F 171,050.00 ZZ
360 170,849.01 1
12105 PORTOBELLA DRIVE 8.625 1,330.41 46
8.375 1,330.41 377,355.00
AUSTIN TX 78732 1 12/23/99 00
0411756745 03 02/01/00 0
0411756745 O 01/01/30
0
3115837 K08/G02 F 69,300.00 ZZ
360 69,265.92 2
3727 PARK 9.500 582.71 90
9.250 582.71 77,000.00
1
STEGER IL 60425 1 12/30/99 10
0411759111 05 02/01/00 25
0411759111 N 01/01/30
0
3115838 K08/G02 F 55,800.00 ZZ
360 55,772.55 1
1714 CENTER ST. 9.500 469.20 90
9.250 469.20 62,000.00
CREST HILL IL 60435 1 12/30/99 04
0411759814 05 02/01/00 25
0411759814 N 01/01/30
0
3115843 K08/G02 F 76,100.00 ZZ
360 76,057.33 1
919 VALLEY RANCH DRIVE 8.875 605.49 77
8.625 605.49 99,000.00
KATY TX 77450 2 12/30/99 00
0411764921 03 02/01/00 0
0411764921 N 01/01/30
0
3115844 K08/G02 F 68,000.00 ZZ
360 67,964.75 2
5207 RATON PASS 9.250 559.42 80
9.000 559.42 85,000.00
AUSTIN TX 78724 5 12/30/99 00
0411764954 05 02/01/00 0
0411764954 N 01/01/30
0
3115845 K08/G02 F 62,400.00 ZZ
360 62,365.02 1
22715 BRAKEN CARTER LANE 8.875 496.48 80
8.625 496.48 78,000.00
KATY TX 77449 2 12/27/99 00
0411765092 03 02/01/00 0
0411765092 N 01/01/30
0
3115846 K08/G02 F 227,500.00 ZZ
360 227,388.10 4
2708 SALADO ST AND 801 WEST 28 9.500 1,912.94 65
9.250 1,912.94 350,000.00
AUSTIN TX 78705 5 12/30/99 00
0411765241 05 02/01/00 0
0411765241 N 01/01/30
0
1
3115847 K08/G02 F 77,600.00 ZZ
360 77,556.50 1
22615 DE VILLE DRIVE 8.875 617.42 80
8.625 617.42 97,000.00
KATY TX 77450 2 12/30/99 00
0411765555 03 02/01/00 0
0411765555 N 01/01/30
0
3115848 K08/G02 F 183,500.00 ZZ
360 183,382.99 1
1645 WHISPERING OAKS COURT 8.250 1,378.57 65
8.000 1,378.57 283,517.00
WEST CHICAGO IL 60185 1 12/30/99 00
0411765597 05 02/01/00 0
0411765597 O 01/01/30
0
3115849 K08/G02 F 135,200.00 ZZ
360 135,118.10 1
11459 BALL ROAD 8.500 1,039.57 80
8.250 1,039.57 169,000.00
GRASS VALLEY CA 95949 1 12/28/99 00
0411765712 05 02/01/00 0
0411765712 O 01/01/30
0
3115850 K08/G02 F 68,200.00 ZZ
360 67,513.62 1
928 8TH AVE. S. 9.750 585.94 76
9.500 585.94 90,000.00
SOUTH ST. PAUL MN 55075 2 12/30/99 00
0411767676 05 02/01/00 0
0411767676 N 01/01/30
0
3115851 K08/G02 F 72,000.00 ZZ
360 71,967.29 1
1572 7TH STREET 9.875 625.21 75
9.625 625.21 96,000.00
ST. PAUL MN 55106 5 12/30/99 00
0411767833 05 02/01/00 0
0411767833 N 01/01/30
0
3115852 K08/G02 F 93,600.00 ZZ
360 93,556.33 1
1
8139 1ST AVENUE SOUTH 9.750 804.17 80
9.500 804.17 117,000.00
BLOOMINGTON MN 55420 2 12/30/99 00
0411767999 05 02/01/00 0
0411767999 N 01/01/30
0
3115853 K08/G02 F 86,400.00 ZZ
360 86,355.21 1
8522 ZUNI 9.250 710.79 80
9.000 710.79 108,000.00
UNIVERSAL CITY TX 78148 5 12/30/99 00
0411768609 03 02/01/00 0
0411768609 N 01/01/30
0
3115858 K08/G02 F 141,100.00 ZZ
360 140,870.70 1
6947 MAGNOLIA PARK DRIVE 8.875 1,122.65 90
8.625 1,122.65 156,800.00
NORCROSS GA 30093 1 12/30/99 01
0411773682 05 02/01/00 25
0411773682 O 01/01/30
0
3116313 134/G02 F 56,400.00 ZZ
360 56,371.52 2
11140 W NEVADA AVE 9.375 469.11 79
9.125 469.11 72,000.00
YOUNGTOWN AZ 85363 5 12/13/99 00
0431779990 05 02/01/00 0
9292376 N 01/01/30
0
3117051 H19/G02 F 136,000.00 ZZ
360 135,927.62 2
6351 & 6353 W 49TH STREET 9.125 1,106.55 80
8.875 1,106.55 171,000.00
MISSION KS 66202 2 12/29/99 00
0431753342 05 02/01/00 0
1978352 N 01/01/30
0
3117168 L47/G02 F 30,875.00 ZZ
360 30,859.82 1
545 GENTEEL RIDGE ROAD 9.500 259.61 95
9.250 259.61 32,500.00
WELLSBURG WV 26070 1 12/02/99 04
0431756816 05 02/01/00 30
1
0050063996 O 01/01/30
0
3117221 L47/G02 F 61,200.00 ZZ
360 61,149.00 1
6 ALDEN AVENUE 10.300 550.69 88
10.050 550.69 70,000.00
PORTSMOUTH VA 23702 1 11/05/99 04
0431750900 05 01/01/00 25
0050063792 N 12/01/29
0
3117296 A06/G02 F 124,000.00 ZZ
360 123,924.87 1
885 WALLACE AVE 8.500 953.46 58
8.250 953.46 214,000.00
BALDWIN NY 11510 1 12/28/99 00
0431753177 05 02/01/00 0
001000009940754 O 01/01/30
0
3117459 E60/G02 F 160,000.00 ZZ
360 159,903.06 1
4786 MALLARD COURT 8.500 1,230.27 80
8.250 1,230.27 201,000.00
PASO ROBLES CA 93446 5 12/15/99 00
0431754266 03 02/01/00 0
512166 O 01/01/30
0
3117848 M46/G02 F 70,400.00 ZZ
360 70,358.44 2
4215 LOUETTA ROAD 8.625 547.56 80
8.375 547.56 88,000.00
SPRING TX 77388 1 12/23/99 00
0431752468 05 02/01/00 0
7353864 N 01/01/30
0
3118435 K08/G02 F 135,000.00 ZZ
360 134,937.02 1
6061 COLLINS AVE 9.750 1,159.86 90
9.500 1,159.86 150,000.00
MIAMI BEACH FL 33149 1 12/31/99 01
0411722887 08 02/01/00 30
0411722887 O 01/01/30
0
1
3118439 K08/G02 F 83,900.00 ZZ
360 83,857.63 1
5037 W 23RD PLACE 9.375 697.84 90
9.125 697.84 93,250.00
CHICAGO IL 60804 1 12/31/99 01
0411732126 05 02/01/00 25
0411732126 O 01/01/30
0
3118442 K08/G02 F 56,000.00 ZZ
360 55,966.08 1
RT 2 BOX 139A 8.500 430.59 78
8.250 430.59 72,000.00
MARLOW OK 73055 5 12/27/99 00
0411751712 05 02/01/00 0
0411751712 O 01/01/30
0
3118444 K08/G02 F 156,900.00 ZZ
360 156,812.04 1
3 WOODBRIDGE LANE 8.875 1,248.37 60
8.625 1,248.37 262,000.00
FLETCHER NC 28732 5 12/27/99 00
0411752140 05 02/01/00 0
0411752140 O 01/01/30
0
3118446 K08/G02 F 100,800.00 ZZ
360 100,744.94 2
104 NICOLE COVE 9.000 811.06 90
8.750 811.06 112,000.00
ROUND ROCK TX 78664 1 12/23/99 01
0411756166 05 02/01/00 25
0411756166 N 01/01/30
0
3118449 K08/G02 F 48,600.00 ZZ
360 48,576.09 1
29 CALUMET LANE 9.500 408.66 90
9.250 408.66 54,000.00
DAYTON OH 45427 1 12/31/99 04
0411766041 05 02/01/00 25
0411766041 N 01/01/30
0
3118450 K08/G02 F 237,500.00 ZZ
360 237,117.54 1
4501 AMANDA COURT 9.250 1,953.85 95
9.000 1,953.85 250,000.00
1
ROWLETT TX 75088 1 12/29/99 01
0411766744 03 02/01/00 30
0411766744 O 01/01/30
0
3118451 K08/G02 F 60,000.00 ZZ
360 59,966.36 1
6938 NEFF STREET 8.875 477.39 75
8.625 477.39 80,000.00
HOUSTON TX 77074 5 12/31/99 00
0411766843 05 02/01/00 0
0411766843 N 01/01/30
0
3118454 K08/G02 F 472,000.00 ZZ
360 471,742.18 1
260 CR 1325 9.000 3,797.82 80
8.750 3,797.82 590,000.00
BRIDGEPORT TX 76426 4 12/31/99 00
0411769789 05 02/01/00 0
0411769789 O 01/01/30
0
3118455 K08/G02 F 139,500.00 ZZ
360 139,433.17 4
3405 KENT STREET 9.625 1,185.74 90
9.375 1,185.74 155,000.00
METAIRIE LA 70006 1 12/31/99 04
0411772320 05 02/01/00 25
0411772320 N 01/01/30
0
3118456 K08/G02 F 89,700.00 ZZ
360 89,654.70 1
1216 RUTLAND AVENUE 9.375 746.08 90
9.125 746.08 99,700.00
WEST COLUMBIA SC 29169 1 12/30/99 01
0411773427 05 02/01/00 25
0411773427 O 01/01/30
0
3118457 K08/G02 F 42,750.00 ZZ
360 42,730.58 1
1022 BLAKLEY DR 9.875 371.22 90
9.625 371.22 47,500.00
DAYTON OH 45403 1 12/31/99 12
0411773526 05 02/01/00 25
0411773526 N 01/01/30
0
1
3118568 H19/G02 F 41,400.00 ZZ
360 41,379.09 1
617 WEST 42ND STREET 9.375 344.35 90
9.125 344.35 46,000.00
INDIANAPOLIS IN 46208 1 12/30/99 10
0431753102 05 02/01/00 25
0001957711 N 01/01/30
0
3118636 E23/G02 F 151,600.00 ZZ
360 151,505.77 1
1350 BROOKDALE DRIVE 8.375 1,152.27 66
8.125 1,152.27 232,000.00
CORONA CA 92880 2 12/17/99 00
0431751361 05 02/01/00 0
55507416 O 01/01/30
0
3118760 F42/G02 F 76,800.00 ZZ
360 76,758.05 1
14921 GLASGOW CT 9.000 617.95 80
8.750 617.95 97,000.00
TAMPA FL 33624 1 12/16/99 00
0431753565 05 02/01/00 0
99AH0525 N 01/01/30
0
3119081 E86/G02 F 149,400.00 ZZ
360 149,316.25 1
54 4TH STREET 8.875 1,188.69 90
8.625 1,188.69 166,000.00
BRENTWOOD NY 11717 2 12/28/99 14
0431822105 05 02/01/00 25
55195 N 01/01/30
0
3119478 134/G02 F 67,950.00 ZZ
360 67,914.77 1
352 WILSHIRE ST 9.250 559.01 90
9.000 559.01 75,500.00
PARK FOREST IL 60466 1 12/16/99 14
0431779479 05 02/01/00 25
8885543 N 01/01/30
0
3119979 562/G02 F 332,100.00 ZZ
360 331,945.05 4
1
743 MCDONOUGH STREET 9.750 2,853.26 90
9.500 2,853.26 369,000.00
BROOKLYN NY 11233 1 12/17/99 04
0431753631 05 02/01/00 25
631563 O 01/01/30
0
3123528 K08/G02 F 63,200.00 ZZ
360 63,165.48 1
1008 BROADMOOR DRIVE 9.000 508.52 78
8.750 508.52 82,000.00
DAYTON OH 45419 2 12/29/99 00
0411718166 05 02/01/00 0
0411718166 O 01/01/30
0
3123529 K08/G02 F 82,000.00 ZZ
360 81,950.32 1
18615 SIESTA DRIVE 8.500 630.51 63
8.250 630.51 132,000.00
PENN VALLEY CA 95946 1 12/09/99 00
0411722176 05 02/01/00 0
0411722176 O 01/01/30
0
3123530 K08/G02 F 156,200.00 ZZ
360 156,110.13 4
185 LAWRENCE STREET 8.750 1,228.83 95
8.500 1,228.83 164,500.00
NEW BRUNSWICK NJ 08901 1 01/04/00 04
0411722267 05 02/01/00 30
0411722267 O 01/01/30
0
3123532 K08/G02 F 93,600.00 ZZ
360 93,555.16 4
1901 TUSA DRIVE 9.625 795.59 80
9.375 795.59 117,000.00
VIOLET LA 70092 2 12/28/99 00
0411732076 05 02/01/00 0
0411732076 O 01/01/30
0
3123537 K08/G02 F 65,100.00 ZZ
360 65,069.63 3
823 WEST WALNUT AVENUE 9.750 559.31 70
9.500 559.31 93,000.00
GASTONIA NC 28052 1 01/04/00 00
0411748031 05 02/01/00 0
1
0411748031 N 01/01/30
0
3123538 K08/G02 F 197,000.00 ZZ
360 197,000.00 1
1424 SHERMAN AVENUE 8.375 1,497.34 73
8.125 1,497.34 270,000.00
ALAMEDA CA 94501 2 12/27/99 00
0411753718 05 03/01/00 0
0411753718 N 02/01/30
0
3123539 K08/G02 F 67,600.00 ZZ
360 67,600.00 1
400 JONES STREET 9.875 587.00 80
9.625 587.00 84,500.00
OLD HICKORY TN 37138 5 01/04/00 00
0411755424 05 03/01/00 0
0411755424 N 02/01/30
0
3123545 K08/G02 F 77,600.00 ZZ
360 77,560.81 1
23532 LAKEWOOD DRIVE 9.375 645.44 80
9.125 645.44 97,000.00
TWAIN HARTE CA 95383 1 12/22/99 00
0411763568 05 02/01/00 0
0411763568 N 01/01/30
0
3123546 K08/G02 F 76,500.00 ZZ
360 76,464.31 2
1005-07 MARIGNY STREET 9.750 657.25 90
9.500 657.25 85,000.00
NEW ORLEANS LA 70117 1 01/03/00 04
0411766256 05 02/01/00 25
0411766256 N 01/01/30
0
3123552 K08/G02 F 140,700.00 ZZ
360 140,634.36 3
1712 11TH AVENUE UNITS A-C 9.750 1,208.83 90
9.500 1,208.83 156,385.00
GREELEY CO 80631 1 12/30/99 04
0411774177 05 02/01/00 25
0411774177 N 01/01/30
0
1
3123637 E82/G02 F 63,700.00 ZZ
360 63,700.00 1
RT 1 BOX 14A 8.250 478.56 75
8.000 478.56 85,000.00
NEW FAIRVIEW TX 76078 1 01/05/00 00
0400246138 05 03/01/00 0
0400246138 O 02/01/30
0
3123638 E82/G02 F 63,000.00 ZZ
360 63,000.00 1
30 ROBERTS STREET 9.500 529.74 90
9.250 529.74 70,000.00
MIDDLETOWN CT 06422 1 01/06/00 04
0400247227 05 03/01/00 25
0400247227 N 02/01/30
0
3124631 G41/G02 F 43,200.00 ZZ
360 43,175.78 2
22 DIVISION STREET 8.875 343.72 90
8.625 343.72 48,000.00
TRENTON NJ 08611 1 12/20/99 19
0431748821 05 02/01/00 25
62007449 N 01/01/30
0
3124898 737/G02 F 104,750.00 ZZ
360 104,692.79 1
4518 RIVER BIRCH CIRCLE 9.000 842.84 80
8.750 842.84 130,970.00
BESSEMER AL 35022 1 12/30/99 00
0431786631 05 02/01/00 0
2000115 O 01/01/30
0
3125270 286/286 F 86,850.00 ZZ
360 86,747.08 2
121 NORTH AVE 8.625 675.52 90
8.375 675.52 96,500.00
MASSILLION OH 44646 1 11/22/99 04
0000642090 05 01/01/00 25
0000642090 N 12/01/29
0
3125271 286/286 F 194,400.00 ZZ
360 194,044.19 1
6445 BURROWS RD 8.500 1,494.77 80
8.250 1,494.77 243,000.00
1
COLORADO SPRING CO 80908 1 11/01/99 00
0000642184 05 12/01/99 0
0000642184 O 11/01/29
0
3125272 286/286 F 382,500.00 ZZ
360 382,122.23 1
10908 LAKESIDE DRIVE 9.500 3,216.27 75
9.250 3,216.27 510,000.00
ORLAND PRRK IL 60467 5 11/17/99 00
0000642685 05 01/01/00 0
0000642685 O 12/01/29
0
3125274 286/286 F 171,000.00 ZZ
360 170,807.57 2
45 MILLER PLACE 8.875 1,360.55 95
8.625 1,360.55 180,000.00
HEMPSTEAD NY 11550 1 11/04/99 12
0000642899 05 01/01/00 30
0000642899 O 12/01/29
0
3125275 286/286 F 76,500.00 ZZ
360 76,452.45 1
9374 HUNTERS CREEK 8.375 581.46 60
8.125 581.46 128,500.00
CINCINNATI OH 45242 1 12/03/99 00
0000643185 01 02/01/00 0
0000643185 O 01/01/30
0
3125276 286/286 F 75,000.00 ZZ
360 74,696.48 1
5380 STEMETTANIA 8.625 583.35 60
8.375 583.35 125,000.00
ERIE PA 16506 1 11/01/99 00
0000643196 05 12/01/99 0
0000643196 O 11/01/29
0
3125277 286/286 F 45,000.00 ZZ
360 44,905.94 1
471 SE EVANS AVE 9.000 362.09 90
8.750 362.09 50,000.00
PORT ST LUCIE FL 34952 1 11/10/99 10
0000643301 05 01/01/00 25
0000643301 N 12/01/29
0
1
3125278 286/286 F 37,800.00 ZZ
360 37,725.24 1
250 SW HOMELAND RD 9.000 304.15 90
8.750 304.15 42,000.00
PORT ST LUCIE FL 34953 1 11/01/99 12
0000643302 05 01/01/00 25
0000643302 N 12/01/29
0
3125279 286/286 F 187,000.00 ZZ
360 186,721.86 4
227 BEACHVIEW DRIVE 9.500 1,572.40 89
9.250 1,572.40 212,000.00
ROUND LAKE BEAC IL 60073 2 10/28/99 12
0000643789 05 12/01/99 25
0000643789 N 11/01/29
0
3125281 286/286 F 31,500.00 ZZ
360 31,465.45 1
742 TIMBERWAY DRIVE 9.000 253.46 90
8.750 253.46 35,000.00
COLUMBUS OH 43085 1 11/30/99 12
0000644397 01 01/01/00 25
0000644397 N 12/01/29
0
3125282 286/286 F 185,300.00 ZZ
360 185,107.12 4
1822,24,26,28 CROMWELL DRIVE 9.250 1,524.42 85
9.000 1,524.42 218,000.00
AKRON OH 44313 1 11/29/99 12
0000644413 05 01/01/00 12
0000644413 N 12/01/29
0
3125283 286/286 F 73,800.00 ZZ
360 73,721.14 2
2365-2367 NICHOLAS 9.125 600.47 90
8.875 600.47 82,000.00
AKRON OH 44305 1 11/22/99 10
0000644418 05 01/01/00 25
0000644418 N 12/01/29
0
3125284 286/286 F 46,000.00 ZZ
360 45,952.12 2
1
1112 RUSSELL ST 9.250 378.43 80
9.000 378.43 57,500.00
COVINGTON KY 41011 1 11/15/99 00
0000644846 05 01/01/00 0
0000644846 N 12/01/29
0
3125285 286/286 F 75,000.00 ZZ
360 74,915.61 1
8101 NORTH 89TH DRIVE 8.875 596.73 80
8.625 596.73 93,750.00
PEORIA AZ 85345 1 11/22/99 00
0000645363 05 01/01/00 0
0000645363 O 12/01/29
0
3125286 286/286 F 179,600.00 ZZ
360 179,352.00 2
255 & 257 HAWTHORNE STREET 7.875 1,302.22 80
7.625 1,302.22 224,500.00
MEMPHIS TN 38112 1 11/23/99 00
0000645395 05 01/01/00 0
0000645395 O 12/01/29
0
3125287 286/286 F 26,000.00 ZZ
360 25,970.73 2
216-218 OAK DRIVE 8.875 206.87 80
8.625 206.87 32,500.00
MOON TWP PA 15108 1 11/30/99 00
0000645396 05 01/01/00 0
0000645396 N 12/01/29
0
3125288 286/286 F 53,520.00 ZZ
360 53,461.30 2
2557 S STATE ST/1710 E SOUTHER 9.000 430.64 80
8.750 430.64 66,900.00
INDIANAPOLIS IN 46203 1 11/24/99 00
0000645519 05 01/01/00 0
0000645519 N 12/01/29
0
3125289 286/286 F 45,500.00 ZZ
360 45,275.77 2
904 SOUTH WALNUT 8.750 357.95 70
8.500 357.95 65,000.00
ELDON MO 65026 5 11/29/99 00
0000645663 05 01/01/00 0
1
0000645663 N 12/01/29
0
3125290 286/286 F 45,500.00 ZZ
360 45,282.65 2
906 SOUTH WALNUT 8.750 357.95 70
8.500 357.95 65,000.00
ELDON MO 65026 5 11/29/99 00
0000645664 05 01/01/00 0
0000645664 N 12/01/29
0
3125291 286/286 F 200,000.00 ZZ
360 199,721.00 1
LAKE RD 5 77-G 8.500 1,537.83 60
8.250 1,537.83 334,300.00
CAMDENTON MO 65020 5 11/29/99 00
0000646287 05 01/01/00 0
0000646287 O 12/01/29
0
3125292 286/286 F 196,000.00 ZZ
360 195,884.28 1
4986 N PEACHTREE RD 8.625 1,524.47 80
8.375 1,524.47 245,000.00
ATLANTA GA 30338 1 12/06/99 00
0000646429 05 02/01/00 0
0000646429 N 01/01/30
0
3125293 286/286 F 56,700.00 ZZ
360 56,601.42 1
802 SOUTHVIEW TERRACE 8.750 446.06 90
8.500 446.06 63,000.00
PLEASANT HILL MO 64080 1 11/05/99 11
0008781468 05 12/01/99 25
0008781468 N 11/01/29
0
3125294 286/286 F 112,500.00 ZZ
360 110,915.61 2
604 ROOSEVELT AVE 8.370 854.69 90
8.120 854.69 125,000.00
PLAINFIELD NJ 07060 2 08/27/98 21
0009036152 05 10/01/98 17
0009036152 N 09/01/28
0
1
3125295 286/286 F 116,000.00 ZZ
360 115,580.06 1
3332 CREEK BED CT 8.375 881.69 80
8.125 881.69 145,097.00
MODESTO CA 95355 1 10/21/99 00
0009053607 05 12/01/99 0
0009053607 O 11/01/29
0
3125296 286/286 F 138,400.00 ZZ
360 138,222.87 1
3437 BEAR RIVER CT 8.250 1,039.76 80
8.000 1,039.76 173,000.00
MODESTO CA 95355 1 11/10/99 00
0009053684 05 01/01/00 0
0009053684 O 12/01/29
0
3125297 286/286 F 285,000.00 ZZ
360 284,687.47 3
45 UPHAM ST 9.000 2,293.18 95
8.750 2,293.18 300,000.00
MALDEN MA 02148 1 11/23/99 11
0009352462 05 01/01/00 30
0009352462 O 12/01/29
0
3125299 286/286 F 69,300.00 ZZ
360 69,229.72 1
332 5TH ST 9.375 576.41 90
9.125 576.41 77,000.00
JERSEY CITY NJ 07302 1 11/29/99 11
0009375683 05 01/01/00 25
0009375683 N 12/01/29
0
3125300 286/286 F 63,000.00 ZZ
360 62,895.96 1
1205 HOLLY AVE 9.000 506.92 90
8.750 506.92 70,000.00
DAYTON OH 45410 1 10/29/99 10
0009425601 05 12/01/99 25
0009425601 N 11/01/29
0
3125301 286/286 F 62,100.00 ZZ
360 61,997.45 1
775 WORK DR 9.000 499.68 90
8.750 499.68 69,000.00
1
AKRON OH 44320 1 10/19/99 01
0009425627 05 12/01/99 25
0009425627 N 11/01/29
0
3125302 286/286 F 49,400.00 ZZ
360 49,376.95 3
30-32 SANFORD AVE 9.750 424.43 90
9.500 424.43 54,900.00
BRIDGEPORT CT 06604 1 12/02/99 11
0009433876 05 02/01/00 25
0009433876 N 01/01/30
0
3125303 286/286 F 120,000.00 ZZ
360 119,806.96 1
19 CHELSEABROOK COURT 9.125 976.36 75
8.875 976.36 160,000.00
MAULDIN SC 29662 2 10/20/99 00
0009450328 03 12/01/99 0
0009450328 N 11/01/29
0
3125304 286/286 F 121,500.00 ZZ
360 121,304.53 1
27 CHELSEABROOK COURT 9.125 988.57 75
8.875 988.57 162,000.00
MAULDIN SC 29662 2 10/20/99 00
0009450329 03 12/01/99 0
0009450329 N 11/01/29
0
3125305 286/286 F 112,000.00 ZZ
360 111,833.41 1
25 CHELSEABROOK COURT 9.500 941.76 70
9.250 941.76 160,000.00
MAULDIN SC 29662 2 10/20/99 00
0009450330 03 12/01/99 0
0009450330 N 11/01/29
0
3125306 286/286 F 112,700.00 ZZ
360 112,532.36 1
17 CHELSEABROOK COURT 9.500 947.65 71
9.250 947.65 160,000.00
MAULDIN SC 29662 2 10/20/99 00
0009450331 03 12/01/99 0
0009450331 N 11/01/29
0
1
3125307 286/286 F 60,000.00 ZZ
360 59,930.69 1
1805 MATOAX AVE 8.750 472.03 75
8.500 472.03 80,500.00
PETERSBURG VA 23805 1 11/12/99 00
0009460797 05 01/01/00 0
0009460797 O 12/01/29
0
3125308 286/286 F 62,000.00 ZZ
360 61,689.99 1
4133 STAGHORN CIR S 8.750 487.76 80
8.500 487.76 77,500.00
FORT WORTH TX 76137 1 10/21/99 00
0009519161 05 12/01/99 0
0009519161 N 11/01/29
0
3125309 286/286 F 205,200.00 ZZ
360 204,902.71 4
111 & 113 MADISON AVENUE 9.625 1,744.18 90
9.375 1,744.18 228,000.00
PERTH AMBOY NJ 08861 1 10/28/99 11
0009521027 05 12/01/99 25
0009521027 N 11/01/29
0
3125310 286/286 F 113,400.00 ZZ
360 113,194.12 3
398 FIRST STREET 9.875 984.71 90
9.625 984.71 126,000.00
JERSEY CITY NJ 07306 1 10/27/99 11
0009521220 05 12/01/99 25
0009521220 N 11/01/29
0
3125311 286/286 F 161,250.00 ZZ
360 161,063.76 2
124 PASSAIC STREET 8.750 1,268.56 75
8.500 1,268.56 215,000.00
GARFIELD NJ 07026 1 12/01/99 00
0009521227 05 01/01/00 0
0009521227 O 12/01/29
0
3125312 286/286 F 96,000.00 ZZ
360 95,880.24 1
1
619 COACH HILL COURT 8.375 729.67 75
8.125 729.67 128,000.00
WEST WHITELAND PA 19380 1 11/12/99 00
0009532785 05 01/01/00 0
0009532785 O 12/01/29
0
3125313 286/286 F 121,500.00 ZZ
360 121,424.48 2
3007-3009 SURF DR 8.375 923.49 90
8.125 923.49 135,000.00
LORAIN OH 44053 1 12/01/99 11
0009534762 05 02/01/00 25
0009534762 N 01/01/30
0
3125314 286/286 F 89,600.00 ZZ
360 89,444.20 1
4621 WOODBINE DRIVE 8.750 704.89 80
8.500 704.89 112,000.00
BLOOMINGTON IN 47403 1 10/29/99 00
0009544042 05 12/01/99 0
0009544042 O 11/01/29
0
3125315 286/286 F 94,400.00 ZZ
360 94,227.20 1
136 BEAVER FALLS AVE 8.500 725.86 62
8.250 725.86 154,375.00
LAS VEGAS NV 89123 1 10/01/99 00
0009556422 05 12/01/99 0
0009556422 O 11/01/29
0
3125316 286/286 F 78,500.00 ZZ
360 78,410.66 1
BOX 8 8.875 624.59 90
8.625 624.59 88,000.00
CASSODAY KS 66842 2 11/23/99 11
0009557903 05 01/01/00 25
0009557903 N 12/01/29
0
3125317 286/286 F 359,000.00 ZZ
360 358,407.28 3
14-46 31ST DRIVE 9.000 2,888.60 80
8.750 2,888.60 450,000.00
ASTORIA NY 11103 2 10/07/99 00
0009567583 05 12/01/99 0
1
0009567583 O 11/01/29
0
3125318 286/286 F 88,650.00 ZZ
360 88,511.03 4
1626,-28,-30,-32 FAY ST 9.250 729.31 90
9.000 729.31 98,500.00
CAPE CANAVERAL FL 32926 1 10/18/99 10
0009571539 05 12/01/99 25
0009571539 N 11/01/29
0
3125319 286/286 F 51,300.00 ZZ
360 51,079.26 1
414 DELAWARE AVE #219 9.000 412.78 90
8.750 412.78 57,000.00
NORFOLK VA 23508 1 10/20/99 11
0009572100 01 12/01/99 25
0009572100 O 11/01/29
0
3125320 286/286 F 46,800.00 ZZ
360 46,753.78 2
127-129 RANNEY ST 9.500 393.52 90
9.250 393.52 52,000.00
SPRINGFIELD MA 01108 1 11/05/99 11
0009572506 05 01/01/00 25
0009572506 N 12/01/29
0
3125321 286/286 F 125,000.00 ZZ
360 124,831.68 1
440 ROCKY HILL RD 8.000 917.21 78
7.750 917.21 162,000.00
NORTHAMPTON MA 01060 5 11/10/99 00
0009574793 05 01/01/00 0
0009574793 O 12/01/29
0
3125322 286/286 F 72,600.00 ZZ
360 72,516.15 1
1094 CORNELL AVE APT 2A 8.750 571.15 61
8.500 571.15 120,000.00
WHEELING IL 60090 5 11/18/99 00
0009581096 01 01/01/00 0
0009581096 O 12/01/29
0
1
3125323 286/286 F 81,000.00 ZZ
360 80,906.46 1
116 SUTHERLAND RD UNIT 10 8.750 637.23 90
8.500 637.23 90,000.00
BRIGHTON MA 02135 1 11/15/99 01
0009599922 01 01/01/00 25
0009599922 N 12/01/29
0
3125324 286/286 F 85,000.00 ZZ
360 84,848.34 1
28 OLD MOUNTAIN ROAD 8.625 661.13 46
8.375 661.13 185,000.00
RICHMOND RI 02876 1 11/05/99 00
0009600179 05 12/01/99 0
0009600179 O 11/01/29
0
3125325 286/286 F 42,750.00 ZZ
360 42,706.64 1
209 LAKE CRYSTAL BROOK 9.375 355.58 90
9.125 355.58 47,526.00
LITTLE EGG HARB NJ 08087 1 11/09/99 21
0009600217 05 01/01/00 25
0009600217 N 12/01/29
0
3125326 286/286 F 108,000.00 ZZ
360 107,890.49 4
32-34 CANFIELD ST 9.375 898.29 90
9.125 898.29 120,000.00
ORANGE NJ 07050 1 11/12/99 21
0009600405 05 01/01/00 25
0009600405 N 12/01/29
0
3125327 286/286 F 160,550.00 ZZ
360 160,283.75 2
147-16 111TH AVE 9.500 1,350.00 95
9.250 1,350.00 169,000.00
JAMAICA NY 11435 1 10/21/99 01
0009600527 05 12/01/99 30
0009600527 O 11/01/29
0
3125328 286/286 F 144,000.00 ZZ
360 143,853.99 3
1229 WHEELER AVE 9.375 1,197.72 90
9.125 1,197.72 160,000.00
1
BRONX NY 10472 1 11/18/99 01
0009600533 05 01/01/00 25
0009600533 N 12/01/29
0
3125330 286/286 F 164,000.00 ZZ
360 163,784.71 1
6614 MAIN RD 8.125 1,217.70 80
7.875 1,217.70 205,000.00
WEST HAVEN VT 05743 1 11/10/99 00
0009600847 05 01/01/00 0
0009600847 O 12/01/29
0
3125331 286/286 F 240,750.00 ZZ
360 240,499.40 3
24 LOTHROP ST 9.250 1,980.60 90
9.000 1,980.60 267,500.00
BEVERLY MA 01915 1 11/18/99 21
0009601205 05 01/01/00 25
0009601205 N 12/01/29
0
3125332 286/286 F 109,900.00 ZZ
360 109,736.53 1
21 CHELSEABROOK COURT 9.500 924.10 70
9.250 924.10 157,000.00
MAULDIN SC 29662 2 10/20/99 00
0009607278 03 12/01/99 0
0009607278 N 11/01/29
0
3125334 286/286 F 117,750.00 ZZ
360 117,560.55 1
5 CHELSEABROOK COURT 9.125 958.06 75
8.875 958.06 157,000.00
MAULDIN SC 29662 2 10/20/99 00
0009607280 03 12/01/99 0
0009607280 N 11/01/29
0
3125335 286/286 F 58,100.00 ZZ
360 58,042.11 1
1984 SHIRLEY STREET 9.500 488.54 70
9.250 488.54 83,000.00
ATLANTA GA 30311 5 11/12/99 00
0009608620 05 01/01/00 0
0009608620 N 12/01/29
0
1
3125336 286/286 F 60,000.00 ZZ
360 59,934.21 1
420 BLANCHE DRIVE 9.000 482.77 80
8.750 482.77 75,000.00
ST CHARLES MO 63303 1 11/12/99 00
0009616631 05 01/01/00 0
0009616631 O 12/01/29
0
3125337 286/286 F 145,000.00 ZZ
360 144,912.15 1
4220 DALTON 8.500 1,114.93 73
8.250 1,114.93 201,000.00
DERBY KS 67037 2 12/17/99 00
0009616806 05 02/01/00 0
0009616806 O 01/01/30
0
3125338 286/286 F 75,900.00 ZZ
360 75,795.68 4
1133-35 TALMAGE AVE 9.875 659.08 95
9.625 659.08 79,900.00
ST LOUIS MO 63110 1 10/18/99 11
0009617003 05 12/01/99 25
0009617003 O 11/01/29
0
3125339 286/286 F 49,200.00 ZZ
360 49,118.76 1
161 LACASCATA 9.000 395.88 80
8.750 395.88 61,500.00
SICKLERVILLE NJ 08081 1 10/29/99 00
0009618598 03 12/01/99 0
0009618598 N 11/01/29
0
3125340 286/286 F 76,950.00 ZZ
360 76,912.15 1
202 SHADY BROOKE COURT 9.500 647.04 90
9.250 647.04 85,500.00
SWEDESBORO NJ 08085 1 12/09/99 11
0009618604 05 02/01/00 25
0009618604 N 01/01/30
0
3125341 286/286 F 78,500.00 ZZ
360 78,363.52 3
1
6733 N BROAD STREET 8.750 617.56 90
8.500 617.56 87,500.00
PHILADELPHIA PA 19120 1 10/29/99 11
0009620206 05 12/01/99 25
0009620206 N 11/01/29
0
3125342 286/286 F 47,300.00 ZZ
360 47,223.91 2
1403 MARCUS PL 9.125 384.85 79
8.875 384.85 60,000.00
AUSTIN TX 78721 2 10/25/99 00
0009622233 05 12/01/99 0
0009622233 N 11/01/29
0
3125343 286/286 F 51,300.00 ZZ
360 51,217.46 2
1401 MARCUS PLACE 9.125 417.40 79
8.875 417.40 65,000.00
AUSTIN TX 78721 2 10/25/99 00
0009622235 05 12/01/99 0
0009622235 N 11/01/29
0
3125344 286/286 F 50,200.00 ZZ
360 50,119.23 2
1416 SPRINGDALE RD 9.125 408.45 80
8.875 408.45 63,000.00
AUSTIN TX 78721 2 10/25/99 00
0009622250 05 12/01/99 0
0009622250 N 11/01/29
0
3125345 286/286 F 30,000.00 ZZ
360 29,935.41 1
4325 MELBOURNE ROAD EAST DR 9.125 244.09 24
8.875 244.09 125,000.00
INDIANAPOLIS IN 46228 1 09/14/99 00
0009625001 05 11/01/99 0
0009625001 N 10/01/29
0
3125346 286/286 F 180,000.00 ZZ
360 179,802.60 1
306 HILLTOP DR 9.000 1,448.33 80
8.750 1,448.33 225,000.00
BAYFIELD CO 81122 1 11/30/99 00
0009625479 05 01/01/00 0
1
0009625479 O 12/01/29
0
3125348 286/286 F 72,000.00 ZZ
360 71,921.05 3
320 S SHORT ST 9.000 579.33 80
8.750 579.33 90,000.00
TROY OH 45373 2 11/09/99 00
0009629430 05 01/01/00 0
0009629430 N 12/01/29
0
3125349 286/286 F 84,000.00 ZZ
360 83,907.88 3
324 S SHORT ST 9.000 675.89 80
8.750 675.89 105,000.00
TROY OH 45373 2 11/11/99 00
0009629431 05 01/01/00 0
0009629431 N 12/01/29
0
3125350 286/286 F 31,950.00 ZZ
360 31,892.98 1
2129 7TH ST NE 8.625 248.51 90
8.375 248.51 35,500.00
CANTON OH 44704 1 10/29/99 01
0009630284 05 12/01/99 25
0009630284 N 11/01/29
0
3125351 286/286 F 92,700.00 ZZ
360 92,572.61 2
77-79 MOULTON ST 9.875 804.96 90
9.625 804.96 103,000.00
SPRINGFIELD MA 01118 1 10/26/99 12
0009630448 05 12/01/99 25
0009630448 N 11/01/29
0
3125352 286/286 F 92,700.00 ZZ
360 92,572.61 2
85-87 MOULTON ST 9.875 804.96 90
9.625 804.96 103,000.00
SPRINGFIELD MA 01118 1 10/26/99 04
0009630451 05 12/01/99 25
0009630451 N 11/01/29
0
1
3125353 286/286 F 92,700.00 ZZ
360 92,572.61 2
93-95 MOULTON ST 9.875 804.96 90
9.625 804.96 103,000.00
SPRINGFIELD MA 01118 1 10/26/99 10
0009630453 05 12/01/99 25
0009630453 N 11/01/29
0
3125354 286/286 F 92,700.00 ZZ
360 92,572.61 2
84-86 POWELL AVE 9.875 804.96 90
9.625 804.96 103,000.00
SPRINGFIELD MA 01118 1 10/26/99 01
0009630454 05 12/01/99 25
0009630454 N 11/01/29
0
3125355 286/286 F 92,700.00 ZZ
360 92,572.61 2
26-28 TULSA ST 9.875 804.96 90
9.625 804.96 103,000.00
SPRINGFIELD MA 01118 1 10/26/99 01
0009630457 05 12/01/99 25
0009630457 N 11/01/29
0
3125356 286/286 F 92,700.00 ZZ
360 92,572.61 2
34-36 WINNIPEG ST 9.875 804.96 90
9.625 804.96 103,000.00
SPRINGFIELD MA 01108 1 10/26/99 14
0009630459 05 12/01/99 25
0009630459 N 11/01/29
0
3125357 286/286 F 160,000.00 ZZ
360 159,819.92 1
138 PIKE HILL RD 8.875 1,273.04 80
8.625 1,273.04 200,000.00
WARREN VT 05674 5 11/04/99 00
0009630633 03 01/01/00 0
0009630633 O 12/01/29
0
3125358 286/286 F 55,350.00 ZZ
360 55,292.38 2
605 SOUTH E STREET 9.250 455.36 90
9.000 455.36 61,500.00
1
FAIRFIELD IA 52556 1 11/19/99 11
0009632831 05 01/01/00 25
0009632831 N 12/01/29
0
3125359 286/286 F 58,500.00 ZZ
360 58,439.10 2
413 NORTH COURT STREET 9.250 481.27 90
9.000 481.27 65,000.00
FAIRFIELD IA 52556 1 11/19/99 11
0009632832 05 01/01/00 25
0009632832 N 12/01/29
0
3125360 286/286 F 62,100.00 ZZ
360 62,035.35 2
103 & 105 WEST GRIMES 9.250 510.89 90
9.000 510.89 69,000.00
FAIRFIELD IA 52556 1 11/19/99 11
0009632833 05 01/01/00 25
0009632833 N 12/01/29
0
3125361 286/286 F 49,500.00 ZZ
360 49,424.41 2
3217-3219 CULVER STREET 9.375 411.72 90
9.125 411.72 55,000.00
DALLAS TX 75223 1 10/22/99 11
0009632851 05 12/01/99 30
0009632851 N 11/01/29
0
3125362 286/286 F 69,000.00 ZZ
360 68,918.22 1
3915 FORESTFORD RD 8.625 536.68 70
8.375 536.68 99,500.00
RICHMOND VA 23294 2 11/29/99 00
0009634703 05 01/01/00 0
0009634703 N 12/01/29
0
3125364 286/286 F 113,300.00 ZZ
360 113,147.44 1
505 WASHINGTON AVE SW 8.000 831.36 60
7.750 831.36 189,000.00
ROANOKE VA 24016 1 12/01/99 00
0009634725 05 01/01/00 0
0009634725 O 12/01/29
0
1
3125365 286/286 F 68,500.00 T
360 68,410.06 1
6414 FOREST GROVE DR 8.125 508.62 52
7.875 508.62 133,500.00
FREDERICKSBURG VA 22407 1 11/30/99 00
0009636379 03 01/01/00 0
0009636379 O 12/01/29
0
3125366 286/286 F 47,200.00 ZZ
360 47,152.13 1
1717 BRYAN STREET 9.375 392.59 80
9.125 392.59 59,000.00
MELBOURNE FL 32901 1 11/01/99 00
0009637204 05 01/01/00 0
0009637204 O 12/01/29
0
3125367 286/286 F 163,200.00 ZZ
360 162,930.57 1
14046 TENNESSEE AVENUE 9.000 1,313.14 80
8.750 1,313.14 204,000.00
ASTATULA FL 34705 1 10/20/99 00
0009637258 05 12/01/99 0
0009637258 O 11/01/29
0
3125368 286/286 F 81,000.00 ZZ
360 80,961.19 2
445 PERRY AVE 9.625 688.50 90
9.375 688.50 90,000.00
GREENACRE FL 33463 1 12/22/99 12
0009637347 05 02/01/00 25
0009637347 N 01/01/30
0
3125369 286/286 F 120,000.00 ZZ
360 119,884.56 4
741 8TH STREET NORTH 9.625 1,019.99 80
9.375 1,019.99 150,000.00
ST PETERSBURG FL 33701 5 11/16/99 00
0009637432 05 01/01/00 0
0009637432 O 12/01/29
0
3125370 286/286 F 35,000.00 ZZ
360 34,959.57 1
1
7947 SW 6TH ST 8.750 275.35 65
8.500 275.35 54,000.00
NORTH LAUDERDAL FL 33068 1 11/12/99 00
0009637504 05 01/01/00 0
0009637504 O 12/01/29
0
3125371 286/286 F 56,800.00 T
360 56,470.55 1
1625 NW 80TH AVE #J 9.250 467.28 80
9.000 467.28 71,500.00
MARGATE FL 33063 1 12/15/99 00
0009637527 03 02/01/00 0
0009637527 O 01/01/30
0
3125372 286/286 F 52,000.00 ZZ
360 51,935.68 1
152 EAST STREET 8.500 399.84 80
8.250 399.84 65,000.00
CHARLESTOWN NH 03603 5 11/08/99 00
0009640491 05 01/01/00 0
0009640491 O 12/01/29
0
3125373 286/286 F 43,400.00 ZZ
360 43,301.88 1
1138 W LOCUST AVE 8.375 329.88 70
8.125 329.88 62,000.00
PINEDALE CA 93650 5 10/14/99 00
0009641122 05 12/01/99 0
0009641122 N 11/01/29
0
3125374 286/286 F 61,425.00 ZZ
360 61,323.59 2
3300-02 N 84TH TERRACE 9.000 494.24 90
8.750 494.24 68,250.00
KANSAS CITY KS 66109 1 10/28/99 11
0009641466 05 12/01/99 25
0009641466 N 11/01/29
0
3125375 286/286 F 49,500.00 ZZ
360 49,411.68 2
1336 W MARKET ST 8.625 385.01 90
8.375 385.01 55,000.00
YORK PA 17404 1 10/28/99 01
0009641488 05 12/01/99 25
1
0009641488 N 11/01/29
0
3125376 286/286 F 81,450.00 ZZ
360 81,304.70 1
3777 FERDINAND PL 8.625 633.51 90
8.375 633.51 90,500.00
CINCINNATI OH 45209 1 10/29/99 10
0009641659 05 12/01/99 25
0009641659 N 11/01/29
0
3125377 286/286 F 36,000.00 ZZ
360 35,946.45 2
506-508 EIGHTEENTH ST 9.500 302.71 90
9.250 302.71 40,000.00
ALTOONA PA 16602 1 10/25/99 01
0009642143 05 12/01/99 25
0009642143 N 11/01/29
0
3125378 286/286 F 89,250.00 ZZ
360 88,325.19 1
702 DORAL DR 9.000 718.13 65
8.750 718.13 139,250.00
BLACKWOOD NJ 08012 1 10/29/99 00
0009642770 09 12/01/99 0
0009642770 N 11/01/29
0
3125380 286/286 F 72,000.00 ZZ
360 71,874.80 1
1821 BORDON ST 8.750 566.43 80
8.500 566.43 90,000.00
CHILLICOTHE MO 64601 1 10/28/99 00
0009643061 05 12/01/99 0
0009643061 O 11/01/29
0
3125381 286/286 F 67,950.00 ZZ
360 67,865.23 1
1474 ROCK LN 8.375 516.47 80
8.125 516.47 84,950.00
SALEM VA 24153 1 11/09/99 00
0009643625 05 01/01/00 0
0009643625 N 12/01/29
0
1
3125382 286/286 F 45,000.00 ZZ
360 44,920.95 2
42047 ADELBERT ST 9.125 366.14 90
8.875 366.14 50,000.00
ELYRIA OH 44035 1 11/18/99 11
0009644095 05 01/01/00 25
0009644095 N 12/01/29
0
3125383 286/286 F 117,300.00 ZZ
360 117,111.28 1
15 CHELSEABROOK COURT 9.125 954.40 74
8.875 954.40 159,000.00
MAULDIN SC 29662 2 10/20/99 00
0009645329 03 12/01/99 0
0009645329 N 11/01/29
0
3125384 286/286 F 112,350.00 ZZ
360 112,182.90 1
26 CHELSEABROOK COURT 9.500 944.70 70
9.250 944.70 160,500.00
MAULDIN SC 29662 2 10/20/99 00
0009645330 03 12/01/99 0
0009645330 N 11/01/29
0
3125385 286/286 F 80,100.00 ZZ
360 80,002.60 1
1054 KATHERWOOD DRIVE 8.500 615.90 90
8.250 615.90 89,000.00
ATLANTA GA 30310 1 11/16/99 11
0009645468 05 01/01/00 35
0009645468 N 12/01/29
0
3125387 286/286 F 206,200.00 ZZ
360 206,071.83 1
3776 THORNBROOKE COURT 8.375 1,567.27 77
8.125 1,567.27 270,000.00
DULUTH GA 30097 2 12/07/99 00
0009646077 03 02/01/00 0
0009646077 O 01/01/30
0
3125388 286/286 F 56,000.00 ZZ
360 55,916.71 1
8 GRAY ST 9.500 470.88 80
9.250 470.88 70,000.00
1
JERSEY CITY NJ 07302 1 11/05/99 00
0009647141 05 12/01/99 0
0009647141 O 11/01/29
0
3125389 286/286 F 91,200.00 ZZ
360 91,148.87 2
119 POPLAR STREET 8.875 725.63 80
8.625 725.63 114,000.00
JERSEY CITY NJ 07302 1 12/03/99 00
0009647243 05 02/01/00 0
0009647243 O 01/01/30
0
3125390 286/286 F 76,000.00 ZZ
360 75,902.73 1
525 SOMOA LN 8.250 570.97 80
8.000 570.97 95,000.00
LATHROP CA 95330 1 11/15/99 00
0009654114 05 01/01/00 0
0009654114 N 12/01/29
0
3125391 286/286 F 37,800.00 ZZ
360 37,737.59 1
1900 HUCKLEBERRY SPRINGS RD 9.000 304.15 90
8.750 304.15 42,000.00
KNOXVILLE TN 37914 1 10/29/99 01
0009655212 05 12/01/99 25
0009655212 N 11/01/29
0
3125392 286/286 F 80,550.00 ZZ
360 80,427.00 2
162-164 RIVERSIDE AVE 9.375 669.98 90
9.125 669.98 89,500.00
BURLINGTON VT 05401 1 10/29/99 11
0009655224 05 12/01/99 25
0009655224 N 11/01/29
0
3125393 286/286 F 132,300.00 ZZ
360 132,158.65 1
115 N VINE ST 9.125 1,076.44 90
8.875 1,076.44 147,000.00
RICHMOND VA 23220 1 11/15/99 10
0009656246 05 01/01/00 25
0009656246 N 12/01/29
0
1
3125394 286/286 F 99,000.00 ZZ
360 98,876.49 3
302 PINE ST 8.375 752.48 90
8.125 752.48 110,000.00
CLIO MI 48420 1 11/12/99 10
0009656258 05 01/01/00 25
0009656258 N 12/01/29
0
3125395 286/286 F 126,000.00 ZZ
360 125,854.47 1
894 N 25TH ST 8.750 991.25 70
8.500 991.25 180,000.00
PHILADELPHIA PA 19130 5 11/15/99 00
0009656945 05 01/01/00 0
0009656945 N 12/01/29
0
3125396 286/286 F 109,100.00 ZZ
360 108,973.98 3
163 SUMAC ST 8.750 858.30 90
8.500 858.30 121,250.00
PHILADELPHIA PA 19128 1 11/30/99 11
0009657859 05 01/01/00 25
0009657859 N 12/01/29
0
3125397 286/286 F 117,000.00 ZZ
360 116,830.49 4
475 N PERKINS FERRY RD 9.625 994.49 90
UNITS 91-94 9.375 994.49 130,000.00
LAKE CHARLES LA 70611 1 10/26/99 11
0009659323 03 12/01/99 25
0009659323 N 11/01/29
0
3125398 286/286 F 63,000.00 ZZ
360 62,910.15 1
130 LITHIA AVE 9.750 541.27 90
9.500 541.27 70,000.00
WEBSTER GROVES MO 63119 1 10/22/99 11
0009659367 05 12/01/99 25
0009659367 N 11/01/29
0
3125399 286/286 F 103,500.00 ZZ
360 103,395.04 2
1
9416-18 BLUEJACKET 9.375 860.87 90
9.125 860.87 115,000.00
OVERLAND PARK KS 66214 1 11/02/99 11
0009659566 03 01/01/00 25
0009659566 N 12/01/29
0
3125400 286/286 F 28,600.00 ZZ
360 28,573.21 2
1410 A & B ARLINGTON AVE 9.750 245.72 65
9.500 245.72 44,000.00
ST LOUIS MO 63112 5 11/03/99 00
0009659779 05 01/01/00 0
0009659779 N 12/01/29
0
3125401 286/286 F 110,000.00 ZZ
360 109,938.33 1
5916 NW CANEY CREEK DR 8.875 875.21 69
8.625 875.21 160,000.00
KANSAS CITY MO 64151 5 12/02/99 00
0009659846 05 02/01/00 0
0009659846 O 01/01/30
0
3125402 286/286 F 35,775.00 ZZ
360 35,717.44 1
7030 PLATEAU 9.125 291.08 90
8.875 291.08 39,750.00
ST LOUIS MO 63117 1 10/28/99 11
0009659869 05 12/01/99 25
0009659869 N 11/01/29
0
3125403 286/286 F 98,400.00 ZZ
360 98,292.10 1
6680 MAPLE COURT 9.000 791.75 80
8.750 791.75 123,000.00
MERIDEN KS 66512 1 11/19/99 00
0009659872 05 01/01/00 0
0009659872 O 12/01/29
0
3125404 286/286 F 61,650.00 ZZ
360 61,563.01 4
3148 OREGON AVE 9.750 529.67 90
9.500 529.67 68,500.00
ST LOUIS MO 63118 1 11/02/99 11
0009660018 05 12/01/99 30
1
0009660018 N 11/01/29
0
3125407 286/286 F 114,400.00 ZZ
360 114,271.25 1
1674 STATE ROUTE 14 8.875 910.22 80
8.625 910.22 143,000.00
WEST PLAINS MO 65775 1 11/29/99 00
0009660174 05 01/01/00 0
0009660174 O 12/01/29
0
3125408 286/286 F 95,400.00 ZZ
360 95,246.52 1
12052 GLENPARK DR 9.125 776.21 90
8.875 776.21 106,000.00
MARYLAND HEIGHT MO 63043 1 11/05/99 11
0009660187 05 12/01/99 25
0009660187 N 11/01/29
0
3125409 286/286 F 95,000.00 ZZ
360 94,910.99 1
7397 FLORA AVE 9.750 816.20 80
9.500 816.20 118,750.00
MAPLEWOOD MO 63143 1 11/22/99 00
0009660295 05 01/01/00 0
0009660295 N 12/01/29
0
3125411 286/286 F 55,000.00 ZZ
360 54,948.47 4
2031 MAURY AVE 9.750 472.54 85
9.500 472.54 65,000.00
ST LOUIS MO 63110 1 11/23/99 11
0009660408 05 01/01/00 12
0009660408 O 12/01/29
0
3125412 286/286 F 72,900.00 ZZ
360 72,826.07 4
3130 MAURY AVE 9.375 606.35 90
9.125 606.35 81,000.00
ST LOUIS MO 63116 1 11/24/99 11
0009660646 05 01/01/00 30
0009660646 N 12/01/29
0
1
3125413 286/286 F 130,500.00 ZZ
360 130,371.11 1
2125 ST PETERS HOWELL RD 9.500 1,097.32 90
9.250 1,097.32 145,000.00
ST PETERS MO 63376 1 12/01/99 11
0009660755 05 01/01/00 25
0009660755 N 12/01/29
0
3125414 286/286 F 45,000.00 ZZ
360 44,950.64 3
6619 CHAMBERS AVE 9.000 362.09 90
8.750 362.09 50,000.00
CLEVELAND OH 44105 1 11/26/99 10
0009662825 05 01/01/00 25
0009662825 N 12/01/29
0
3125415 286/286 F 143,100.00 ZZ
360 142,938.95 1
1916 LEE ELDER DR 8.875 1,138.57 90
8.625 1,138.57 159,000.00
EL PASO TX 79936 1 11/18/99 11
0009663555 05 01/01/00 25
0009663555 N 12/01/29
0
3125416 286/286 F 350,000.00 ZZ
360 349,574.43 1
12909 GLEN ROAD 8.500 2,691.20 56
8.250 2,691.20 625,000.00
NORTH POTOMAC MD 20878 1 11/08/99 00
0009663795 05 01/01/00 0
0009663795 O 12/01/29
0
3125417 286/286 F 60,750.00 ZZ
360 60,633.01 1
767 RICHARD DR 9.000 488.81 90
8.750 488.81 67,500.00
XENIA OH 45385 1 11/24/99 10
0009663954 05 01/01/00 25
0009663954 N 12/01/29
0
3125418 286/286 F 49,500.00 ZZ
360 49,442.83 1
928 W LAFAYETTE ST 8.750 389.42 90
8.500 389.42 55,000.00
1
NORRISTOWN PA 19401 1 11/15/99 11
0009664409 05 01/01/00 25
0009664409 N 12/01/29
0
3125419 286/286 F 78,000.00 ZZ
360 77,902.70 1
7366 E HANNIBAL ST 8.375 592.86 77
8.125 592.86 102,000.00
MESA AZ 85207 1 11/19/99 00
0009664700 05 01/01/00 0
0009664700 N 12/01/29
0
3125420 286/286 F 34,650.00 ZZ
360 34,613.93 1
3026 LAPEY ST 9.250 285.06 90
9.000 285.06 38,500.00
ROCKFORD IL 61104 1 12/01/99 11
0009664754 05 01/01/00 25
0009664754 N 12/01/29
0
3125421 286/286 F 135,850.00 ZZ
360 135,701.04 3
55 W MAIN ST 9.000 1,093.08 95
8.750 1,093.08 143,000.00
GROTON MA 01450 1 11/30/99 11
0009665554 05 01/01/00 30
0009665554 O 12/01/29
0
3125422 286/286 F 216,000.00 ZZ
360 215,709.15 2
4336 W BANCROFT ST 8.000 1,584.94 80
7.750 1,584.94 270,000.00
TOLEDO OH 43606 1 11/29/99 00
0009665765 05 01/01/00 0
0009665765 N 12/01/29
0
3125423 286/286 F 103,500.00 ZZ
360 103,380.46 2
56 S ENOLA DR 8.750 814.24 90
8.500 814.24 115,000.00
ENOLA PA 17025 1 11/30/99 10
0009666020 05 01/01/00 25
0009666020 N 12/01/29
0
1
3125424 286/286 F 98,400.00 ZZ
360 98,340.38 1
32 & 34 WASHINGTON RD 8.500 756.62 80
8.250 756.62 123,000.00
PITTSFORD NY 14534 1 12/10/99 00
0009666332 05 02/01/00 0
0009666332 O 01/01/30
0
3125425 286/286 F 150,250.00 ZZ
360 150,067.30 1
8719 COBBLECREEK DR 8.500 1,155.30 90
8.250 1,155.30 166,950.00
DAYTON OH 45458 1 11/30/99 10
0009666372 05 01/01/00 25
0009666372 N 12/01/29
0
3125426 286/286 F 65,000.00 ZZ
360 64,928.71 1
23-25 EAST MAIN ST 9.000 523.01 77
8.750 523.01 85,000.00
RAILROAD PA 17355 1 11/29/99 00
0009666528 05 01/01/00 0
0009666528 O 12/01/29
0
3125427 286/286 F 63,900.00 ZZ
360 63,826.19 3
3322 DAISY AVENUE 8.750 502.71 90
8.500 502.71 71,000.00
CLEVELAND OH 44109 1 11/29/99 10
0009667549 05 01/01/00 25
0009667549 N 12/01/29
0
3125445 765/G02 F 40,000.00 ZZ
360 39,978.15 1
136 CLYDE STREET 9.000 321.85 80
8.750 321.85 50,000.00
BAKERSFIELD CA 93307 1 12/21/99 00
0431751031 05 02/01/00 0
350288 N 01/01/30
0
3126280 F28/G02 F 394,100.00 ZZ
360 391,662.80 1
1
53247 RUNBOAT CIRCLE 7.750 2,823.38 70
7.500 2,823.38 563,000.00
FRISCO NC 27936 2 06/03/99 00
0431773324 05 07/01/99 0
4125730 N 06/01/29
0
3126282 F28/G02 F 300,000.00 ZZ
360 298,917.99 1
4 GARDEN CIRCLE 8.625 2,333.37 80
8.375 2,333.37 375,000.00
ASHLAND MA 01721 1 07/12/99 00
0431773340 05 09/01/99 0
4352763 O 08/01/29
0
3126285 F28/G02 F 270,000.00 T
360 268,445.96 1
1077 COROLLA DR 7.750 1,934.31 80
7.500 1,934.31 340,000.00
COROLLA NC 27927 2 06/11/99 00
0431773373 05 08/01/99 0
4735482 O 07/01/29
0
3126286 F28/G02 F 265,600.00 ZZ
360 264,389.74 1
52 R BUTTER'S ROW 8.250 1,995.36 80
8.000 1,995.36 332,000.00
WILMINGTON MA 01887 1 06/04/99 00
0431773563 05 08/01/99 0
4738981 O 07/01/29
0
3126288 F28/G02 F 380,000.00 ZZ
360 378,311.66 2
4612-4614 SARATOGA AV 8.375 2,888.27 80
8.125 2,888.27 475,000.00
SAN DIEGO CA 92107 5 06/17/99 00
0431773597 05 08/01/99 0
4769671 O 07/01/29
0
3126289 F28/G02 F 262,500.00 ZZ
360 261,300.48 1
1 COLUMBINE LN 9.500 2,207.24 70
9.250 2,207.24 375,000.00
NORWALK CT 06851 5 04/28/99 00
0431773407 05 06/01/99 0
1
4776807 O 05/01/29
0
3126291 F28/G02 F 366,750.00 ZZ
360 365,161.31 1
611 E. BEVERLEY ST 8.500 2,819.99 80
8.250 2,819.99 458,500.00
STAUNTON VA 24401 5 06/07/99 00
0431773423 05 08/01/99 0
4786899 O 07/01/29
0
3126292 F28/G02 F 325,000.00 ZZ
360 323,547.46 1
8411 GEORGETOWN 8.250 2,441.62 70
8.000 2,441.62 465,000.00
LOS ANGELES CA 90045 5 05/18/99 00
0431773621 05 07/01/99 0
4794915 N 06/01/29
0
3126294 F28/G02 F 425,000.00 ZZ
360 423,250.45 1
4219 CORDLEY LAKE RD 8.750 3,343.48 57
8.500 3,343.48 750,000.00
HAMBURG TOWNSHI MI 48169 5 06/09/99 00
0431773449 05 08/01/99 0
4814772 O 07/01/29
0
3126295 F28/G02 F 276,000.00 ZZ
360 275,173.45 1
34599 MORGAN TRAIL 8.625 2,146.70 80
8.375 2,146.70 345,000.00
ELIZABETH CO 80107 1 08/27/99 00
0431773456 05 10/01/99 0
4825853 O 09/01/29
0
3126297 F28/G02 F 313,950.00 ZZ
360 312,033.13 1
1040 N. ORLEANS #2 8.500 2,414.00 95
8.250 2,414.00 330,500.00
CHICAGO IL 60610 1 06/01/99 10
0431773472 01 07/01/99 30
4831246 O 06/01/29
0
1
3126299 F28/G02 F 280,000.00 ZZ
360 279,073.58 1
50 OCEAN ST 8.750 2,202.76 74
8.500 2,202.76 380,500.00
MARSHFIELD MA 02043 1 08/30/99 00
0431773704 05 10/01/99 0
4839953 O 09/01/29
0
3126302 F28/G02 F 367,500.00 ZZ
360 366,069.59 1
3207 OMENA POINT RD 8.250 2,760.90 70
8.000 2,760.90 525,000.00
OMENA MI 49674 1 07/23/99 00
0431773753 05 09/01/99 0
4862383 N 08/01/29
0
3126305 F28/G02 F 280,000.00 ZZ
360 279,094.89 1
11820 WEMBLEY DRIVE 8.250 2,103.55 75
8.000 2,103.55 375,000.00
MOKENA IL 60448 5 08/23/99 00
0431773878 05 10/01/99 0
4874271 O 09/01/29
0
3126311 F28/G02 F 312,000.00 ZZ
360 310,648.47 2
1735 U STREET NW 8.500 2,399.01 80
8.250 2,399.01 390,000.00
WASHINGTON DC 20009 1 06/23/99 00
0431774009 05 08/01/99 0
4884310 O 07/01/29
0
3126316 F28/G02 F 388,500.00 ZZ
360 387,168.81 1
1012 ABBOT BL 8.875 3,091.08 95
8.625 3,091.08 409,000.00
FORT LEE NJ 07024 1 07/22/99 10
0431774124 05 09/01/99 30
4894020 O 08/01/29
0
3126321 F28/G02 F 389,500.00 ZZ
360 388,303.36 1
261B OLD MILL RD 8.500 2,994.92 95
8.250 2,994.92 410,000.00
1
NISSEQOUGUE NY 11780 1 08/24/99 10
0431774223 05 10/01/99 30
4906950 O 09/01/29
0
3126325 F28/G02 F 360,000.00 ZZ
360 358,734.35 1
2881 SOUTHAVEN RD 8.750 2,832.13 34
8.500 2,832.13 1,075,000.00
ANNAPOLIS MD 21401 2 07/23/99 00
0431774298 05 09/01/99 0
4914564 O 08/01/29
0
3126329 F28/G02 F 266,000.00 ZZ
360 264,701.05 2
940 10TH ST 8.625 2,068.93 70
8.375 2,068.93 380,000.00
BOULDER CO 80302 5 06/28/99 00
0431774439 05 08/01/99 0
4919987 N 07/01/29
0
3126331 F28/G02 F 279,000.00 ZZ
360 277,993.78 1
71 GRANT ST 8.625 2,170.03 80
8.375 2,170.03 349,000.00
LEXINGTON MA 02420 2 07/14/99 00
0431774470 05 09/01/99 0
4920983 O 08/01/29
0
3126333 F28/G02 F 272,000.00 ZZ
360 271,043.72 3
2209 NORTH TALMAN AVE 8.750 2,139.83 80
8.500 2,139.83 340,000.00
CHICAGO IL 60647 1 07/23/99 00
0431774520 05 09/01/99 0
4927758 O 08/01/29
0
3126339 F28/G02 F 280,500.00 ZZ
360 279,507.95 2
4300 EAST TRADEWINDS AVE 8.875 2,231.78 85
8.625 2,231.78 330,000.00
FORT LAUDERDALE FL 33308 1 07/14/99 10
0431773498 05 09/01/99 25
4938043 N 08/01/29
0
1
3126340 F28/G02 F 350,000.00 ZZ
360 348,405.15 1
22 LAKE AV 8.250 2,629.43 78
8.000 2,629.43 450,000.00
REHOBOTH BEACH DE 19971 1 06/30/99 00
0431773522 05 08/01/99 0
4938217 O 07/01/29
0
3126341 F28/G02 F 311,500.00 ZZ
360 309,368.66 1
113 4TH ST NE 8.750 2,450.58 78
8.500 2,450.58 400,000.00
WASHINGTON DC 20002 2 08/05/99 00
0431773530 05 10/01/99 0
4939787 O 09/01/29
0
3126342 F28/G02 F 410,800.00 ZZ
360 409,201.04 1
107 ANTELOPE HILL 8.250 3,086.20 79
8.000 3,086.20 520,000.00
BOERNE TX 78006 2 07/16/99 00
0431773555 03 09/01/99 0
4940288 O 08/01/29
0
3126346 F28/G02 F 471,600.00 ZZ
360 469,764.37 1
7911 KELTY TRAIL 8.250 3,542.97 80
8.000 3,542.97 589,500.00
FRANKTOWN CO 80116 1 07/15/99 00
0431773613 03 09/01/99 0
4965020 O 08/01/29
0
3126359 F28/G02 F 399,999.00 ZZ
360 399,092.02 1
79 MT VICKERY RD 8.875 3,182.57 62
8.625 3,182.57 650,000.00
SOUTHBOROUGH MA 01772 5 09/07/99 00
0431773803 05 11/01/99 0
4997793 N 10/01/29
0
3126365 F28/G02 F 284,000.00 ZZ
360 283,192.07 1
1
20 APPLE HILL LANE 8.875 2,259.63 80
8.625 2,259.63 355,000.00
DUXBURY MA 02332 1 09/02/99 00
0431774074 05 10/01/99 0
5053493 O 09/01/29
0
3126367 F28/G02 F 264,000.00 ZZ
360 263,305.07 1
19200 DEVONSHIRE 9.250 2,171.86 80
9.000 2,171.86 330,000.00
BEVERLY HILLS MI 48025 1 09/01/99 00
0431774116 05 10/01/99 0
5066644 O 09/01/29
0
3126368 F28/G02 F 400,000.00 ZZ
360 398,859.74 1
12 OBER STREET 7.750 2,865.65 80
7.500 2,865.65 500,000.00
BEVERLY MA 01915 5 09/16/99 00
0431774132 05 11/01/99 0
5078532 O 10/01/29
0
3126373 F28/G02 F 300,000.00 ZZ
360 299,226.87 1
929 WEST PALM LN 8.250 2,253.80 80
8.000 2,253.80 375,000.00
PHOENIX AZ 85007 5 09/22/99 00
0431774231 05 11/01/99 0
5083359 O 10/01/29
0
3126375 F28/G02 F 403,000.00 ZZ
360 402,154.61 1
130 ANGELL RD 9.250 3,315.38 65
9.000 3,315.38 620,000.00
CUMBERLAND RI 02864 5 09/17/99 00
0431774249 05 11/01/99 0
5087244 O 10/01/29
0
3126378 F28/G02 F 312,000.00 ZZ
360 311,471.38 4
17 WORTHINGTON ST 8.875 2,482.41 80
8.625 2,482.41 390,000.00
BOSTON MA 02120 1 10/05/99 00
0431774306 07 12/01/99 0
1
5094166 N 11/01/29
0
3126380 F28/G02 F 332,950.00 ZZ
360 332,155.20 1
140 NW 17TH ST 8.625 2,589.65 95
8.375 2,589.65 350,500.00
BEND OR 97701 1 09/21/99 14
0431774330 05 11/01/99 30
5097847 O 10/01/29
0
3126398 F28/G02 F 431,000.00 ZZ
360 430,324.50 1
143 ANNAWAN RD 9.250 3,545.73 90
9.000 3,545.73 480,000.00
NEWTON MA 02160 1 11/05/99 10
0431774637 05 12/01/99 25
5173598 O 11/01/29
0
3126407 F28/G02 F 390,000.00 ZZ
360 389,321.94 1
5530 HIGHWAY 86 8.750 3,068.13 60
8.500 3,068.13 650,000.00
FRANKTOWN CO 80116 5 10/29/99 00
0431774728 05 12/01/99 0
5207364 N 11/01/29
0
3126409 F28/G02 F 292,000.00 ZZ
360 291,492.31 1
407 PLEASANT AV 8.750 2,297.17 80
8.500 2,297.17 365,000.00
HIGHLAND PARK IL 60035 1 10/29/99 00
0431774744 05 12/01/99 0
5213426 O 11/01/29
0
3126671 168/168 F 175,000.00 ZZ
360 174,741.22 1
617 WESTBURY AVENUE 8.375 1,330.13 78
8.125 1,330.13 225,000.00
WESTBURY NY 11590 1 12/28/99 00
0249508648 05 02/01/00 0
0249508648 O 01/01/30
0
1
3127068 K08/G02 F 55,800.00 ZZ
360 55,769.52 1
8806 S UNION 9.000 448.98 90
8.750 448.98 62,000.00
CHICAGO IL 60620 1 01/05/00 04
0411647688 05 02/01/00 25
0411647688 N 01/01/30
0
3127070 K08/G02 F 41,000.00 ZZ
360 41,000.00 1
ROUTE 2 BOX 327 C 8.500 315.25 79
8.250 315.25 52,000.00
WALDRON AR 72958 5 12/30/99 00
0411667223 05 03/01/00 0
0411667223 O 02/01/30
0
3127074 K08/G02 F 76,500.00 ZZ
360 76,460.34 1
10001 E. EVANS AVE, UNIT # 89C 9.250 629.35 85
9.000 629.35 90,000.00
DENVER CO 80231 5 12/30/99 10
0411740228 09 02/01/00 17
0411740228 O 01/01/30
0
3127075 K08/G02 F 49,500.00 ZZ
360 49,500.00 2
6454 SOUTH MORGAN STREET 9.250 407.22 90
9.000 407.22 55,000.00
CHICAGO IL 60621 1 01/05/00 10
0411742521 05 03/01/00 25
0411742521 N 02/01/30
0
3127077 K08/G02 F 123,750.00 ZZ
360 123,750.00 1
3304 WATER OAK COURT 8.875 984.61 90
8.625 984.61 137,500.00
FARMERS BRANCH TX 75234 1 01/04/00 01
0411744931 03 03/01/00 25
0411744931 N 02/01/30
0
3127078 K08/G02 F 96,000.00 ZZ
360 95,933.93 1
19420 CHAPARRAL 7.875 696.07 78
7.625 696.07 124,000.00
1
CANYON TX 79015 5 12/29/99 00
0411748791 05 02/01/00 0
0411748791 O 01/01/30
0
3127080 K08/G02 F 84,800.00 ZZ
240 84,673.03 1
RT 2 BOX 501 9.000 762.97 80
8.750 762.97 106,000.00
HARPERS FERRY WV 25425 5 12/30/99 00
0411750375 05 02/01/00 0
0411750375 O 01/01/20
0
3127081 K08/G02 F 189,000.00 ZZ
360 189,000.00 1
26 HINGSTON STREET 9.250 1,554.86 90
9.000 1,554.86 210,000.00
PEABODY MA 01960 2 12/30/99 04
0411751910 05 03/01/00 25
0411751910 O 02/01/30
0
3127082 K08/G02 F 145,500.00 ZZ
360 145,418.43 1
2238 KNOB HILL DRIVE 8.875 1,157.66 77
8.625 1,157.66 190,000.00
CORINTH TX 76205 2 12/27/99 00
0411753098 03 02/01/00 0
0411753098 O 01/01/30
0
3127084 K08/G02 F 73,800.00 ZZ
360 73,800.00 1
5896 DEBBIE LANE 8.750 580.58 90
8.500 580.58 82,000.00
PARADISE CA 95969 1 12/28/99 01
0411753361 05 03/01/00 25
0411753361 O 02/01/30
0
3127085 K08/G02 F 102,600.00 ZZ
360 102,543.96 2
3314 SOUTH OAK DRIVE 9.000 825.54 90
8.750 825.54 114,000.00
AUSTIN TX 78704 1 12/23/99 01
0411754500 05 02/01/00 25
0411754500 N 01/01/30
0
1
3127089 K08/G02 F 103,500.00 ZZ
360 103,443.47 2
212-214 JOSHUA BLVD. 9.000 832.78 90
8.750 832.78 115,000.00
JOSHUA TX 76058 1 01/04/00 10
0411758618 05 02/01/00 25
0411758618 N 01/01/30
0
3127090 K08/G02 F 140,000.00 ZZ
360 139,932.93 1
1154 IRWIN 9.625 1,189.99 90
9.375 1,189.99 156,000.00
WATERFORD MI 48327 5 12/30/99 01
0411760036 05 02/01/00 25
0411760036 O 01/01/30
0
3127093 K08/G02 F 92,700.00 ZZ
360 92,656.75 4
8306 GARCREEK CIRCLE 9.750 796.44 90
9.500 796.44 103,000.00
AUSTIN TX 78724 1 12/30/99 04
0411766694 05 02/01/00 25
0411766694 N 01/01/30
0
3127094 K08/G02 F 92,700.00 ZZ
360 92,654.41 4
8400 GARCREEK CIRCLE 9.500 779.47 90
9.250 779.47 103,000.00
AUSTIN TX 78724 1 12/30/99 04
0411766702 05 02/01/00 25
0411766702 N 01/01/30
0
3127098 K08/G02 F 80,300.00 ZZ
360 80,300.00 1
125 ALAMO AVE. SE 9.500 675.21 95
9.250 675.21 85,000.00
ALBUQUERQUE NM 87102 5 12/30/99 04
0411769995 05 03/01/00 30
0411769995 O 02/01/30
0
3127099 K08/G02 F 30,750.00 ZZ
360 30,734.88 1
1
5234 FLEETWOOD OAKS DRIVE #118 9.500 258.56 75
9.250 258.56 41,000.00
DALLAS TX 75235 1 12/30/99 00
0411773450 01 02/01/00 0
0411773450 N 01/01/30
0
3127100 K08/G02 F 56,250.00 ZZ
360 56,224.44 1
907 REES STREET 9.875 488.45 75
9.625 488.45 75,000.00
GREENVILLE TX 75401 5 01/05/00 00
0411774714 05 02/01/00 0
0411774714 N 01/01/30
0
3128517 G41/G02 F 41,250.00 ZZ
360 41,228.62 1
4120 B KNORR STREET 9.250 339.35 75
9.000 339.35 55,000.00
PHILADELPHIA PA 19135 1 12/14/99 00
0431772128 07 02/01/00 0
64001610 O 01/01/30
0
3128763 286/286 F 220,000.00 ZZ
360 215,668.96 1
2995 HONEYSUCKLE LANE 8.500 1,691.61 71
8.250 1,691.61 310,000.00
APPLETON WI 54913 2 12/03/99 00
0000617180 05 01/01/00 0
0000617180 O 12/01/29
0
3128764 286/286 F 368,000.00 ZZ
360 367,552.56 1
13502 WESTSHIRE DRIVE 8.500 2,829.60 80
8.250 2,829.60 460,000.00
TAMPA FL 33618 5 12/01/99 00
0000642156 03 01/01/00 0
0000642156 O 12/01/29
0
3128765 286/286 F 422,500.00 ZZ
240 420,992.50 1
207 MASSBURY ST 7.625 3,436.00 80
7.375 3,436.00 533,000.00
GAITHERSBURG MD 20878 5 11/29/99 00
0000644782 05 01/01/00 0
1
0000644782 O 12/01/19
0
3128766 286/286 F 300,000.00 ZZ
360 299,616.06 1
3 ELDER PL 8.250 2,253.81 73
8.000 2,253.81 415,000.00
DENVILLE NJ 07834 1 11/22/99 00
0009506775 05 01/01/00 0
0009506775 O 12/01/29
0
3128767 286/286 F 325,800.00 ZZ
360 325,370.83 2
1071 EAST 58 STREET 8.625 2,534.04 90
8.375 2,534.04 362,000.00
BROOKLYN NY 11234 1 11/19/99 01
0009600855 05 01/01/00 25
0009600855 O 12/01/29
0
3128768 286/286 F 412,000.00 ZZ
360 411,459.16 3
323 PINE ST 8.125 3,059.09 80
7.875 3,059.09 515,000.00
PHILADELPHIA PA 19106 1 11/30/99 00
0009640854 05 01/01/00 0
0009640854 O 12/01/29
0
3128769 286/286 F 75,000.00 ZZ
360 74,908.80 1
904 ARROWHEAD LANE 8.500 576.69 23
8.250 576.69 330,000.00
BRANDON FL 33511 5 11/19/99 00
0009645471 05 01/01/00 0
0009645471 O 12/01/29
0
3128770 286/286 F 467,500.00 ZZ
360 466,973.88 1
29200 LOMA CHIQUITA ROAD 8.875 3,719.64 85
8.625 3,719.64 550,000.00
LOS GATOS CA 95030 2 12/01/99 11
0009659962 05 01/01/00 12
0009659962 O 12/01/29
0
1
3128771 286/286 F 712,000.00 ZZ
360 711,016.78 1
4628 MANTLE DR 7.875 5,162.50 80
7.625 5,162.50 890,000.00
AUSTIN TX 78746 1 11/30/99 00
0009666124 03 01/01/00 0
0009666124 O 12/01/29
0
3128811 G41/G02 F 151,500.00 ZZ
360 151,301.11 1
10 TWIN COURT 8.125 1,124.89 75
7.875 1,124.89 202,000.00
MANAHAWKIN NJ 08050 1 12/03/99 00
0431753920 05 01/01/00 0
R3452 O 12/01/29
0
3129063 637/G02 F 111,200.00 ZZ
360 111,145.30 1
3280 ZION ROAD 9.500 935.03 80
9.250 935.03 139,000.00
BELLEFONTE PA 16823 5 12/10/99 00
0431765106 05 02/01/00 0
0014551048 O 01/01/30
0
3129328 765/G02 F 161,500.00 ZZ
360 161,409.46 2
317,317 1/2 & 321 LEIGHTON DRI 8.875 1,284.97 85
8.625 1,284.97 190,000.00
VENTURA CA 93001 1 12/14/99 14
0431755768 05 02/01/00 20
350287 N 01/01/30
0
3130329 K08/G02 F 240,000.00 ZZ
360 239,858.30 4
4221, 4223, 4225, 4227 JOHN CT 8.625 1,866.70 90
8.375 1,866.70 267,500.00
FLOWER MOUND TX 75028 1 12/13/99 10
0411728173 05 02/01/00 25
0411728173 N 01/01/30
0
3130331 K08/G02 F 135,000.00 ZZ
360 135,000.00 1
875 N. TABLE MOUNTAIN LOOP 8.250 1,014.21 90
8.000 1,014.21 150,000.00
1
CHEYENNE WY 82009 1 01/06/00 01
0411736804 05 03/01/00 25
0411736804 O 02/01/30
0
3130333 K08/G02 F 70,100.00 ZZ
360 70,100.00 2
1409-1411 CONCORD DRIVE 9.375 583.06 90
9.125 583.06 77,900.00
NORMAN OK 73071 1 01/06/00 04
0411747678 05 03/01/00 25
0411747678 N 02/01/30
0
3130335 K08/G02 F 90,000.00 ZZ
360 89,950.00 1
5700 RUTHELLEN STREET 9.000 724.16 60
8.750 724.16 150,000.00
LOS ANGELES CA 90062 5 12/29/99 00
0411749310 05 02/01/00 0
0411749310 N 01/01/30
0
3130336 K08/G02 F 37,700.00 ZZ
360 37,700.00 1
1128 E 21ST 9.750 323.90 90
9.500 323.90 41,900.00
COLUMBUS OH 43211 1 01/06/00 04
0411751415 05 03/01/00 25
0411751415 N 02/01/30
0
3130337 K08/G02 F 72,900.00 ZZ
360 72,859.13 4
104 NORTH CHILSON STREET 8.875 580.03 90
8.625 580.03 81,000.00
BAY CITY MI 48706 1 01/06/00 04
0411754385 05 02/01/00 25
0411754385 N 01/01/30
0
3130340 K08/G02 F 65,250.00 ZZ
360 65,250.00 1
4521 GREENSBORO STREET 9.625 554.62 75
9.375 554.62 87,000.00
CORPUS CHRISTI TX 78413 5 01/06/00 00
0411762263 05 03/01/00 0
0411762263 N 02/01/30
0
1
3130345 K08/G02 F 77,600.00 ZZ
360 77,558.70 1
5101 PHELPS ROAD 9.125 631.38 80
8.875 631.38 97,000.00
KANSAS CITY MO 64136 2 12/30/99 00
0411765860 05 02/01/00 0
0411765860 O 01/01/30
0
3130346 K08/G02 F 70,100.00 ZZ
360 70,100.00 2
1421-23 CONCORD DRIVE 9.375 583.06 90
9.125 583.06 77,900.00
NORMAN OK 73071 1 01/06/00 04
0411765993 05 03/01/00 25
0411765993 N 02/01/30
0
3130349 K08/G02 F 42,000.00 ZZ
360 42,000.00 1
3901 BARNES DRIVE 9.625 357.00 75
9.375 357.00 56,000.00
CORPUS CHRISTI TX 78415 5 01/06/00 00
0411774458 05 03/01/00 0
0411774458 N 02/01/30
0
3130350 K08/G02 F 33,000.00 ZZ
360 33,000.00 1
441 WEST CLARK DRIVE 9.750 283.52 75
9.500 283.52 44,500.00
CORPUS CHRISTI TX 78415 5 01/06/00 00
0411774599 05 03/01/00 0
0411774599 N 02/01/30
0
3130453 E82/G02 F 120,000.00 ZZ
360 120,000.00 1
64 COLD SPRING ROAD 8.000 880.52 49
7.750 880.52 247,000.00
HOLLISTON MA 01746 5 01/06/00 00
0400245270 05 03/01/00 0
0400245270 O 02/01/30
0
3131232 623/G02 F 364,000.00 ZZ
360 363,761.89 1
1
134 MAPLE DRIVE 8.125 2,702.69 80
7.875 2,702.69 455,000.00
LOS ALAMOS NM 87544 5 12/10/99 00
0431767151 05 02/01/00 0
1516908 O 01/01/30
0
3131236 623/G02 F 333,000.00 ZZ
360 332,798.27 4
1914,1916,1916.5&1918 BRANARD 8.500 2,560.48 90
8.250 2,560.48 370,000.00
HOUSTON TX 77098 1 12/13/99 10
0431771815 05 02/01/00 25
5223135 O 01/01/30
0
3131241 623/G02 F 396,000.00 ZZ
360 395,480.17 1
38850 VIA CANTAVIENTO 8.125 2,940.29 80
7.875 2,940.29 495,000.00
MURRIETA CA 92562 5 11/24/99 00
0431768191 03 01/01/00 0
6213453 O 12/01/29
0
3132439 K15/G02 F 360,000.00 ZZ
360 359,752.25 2
140-85 BURDEN CRESCENT 7.875 2,610.25 90
7.625 2,610.25 400,000.00
BRIARWOOD NY 11435 1 12/23/99 01
0431764455 05 02/01/00 25
3006419 O 01/01/30
0
3133323 K08/G02 F 22,500.00 ZZ
360 22,488.34 2
3001-03 S. CEDAR 9.250 185.10 90
9.000 185.10 25,000.00
PINE BLUFF AR 71603 1 12/30/99 04
0411649122 05 02/01/00 25
0411649122 N 01/01/30
0
3133325 K08/G02 F 104,850.00 ZZ
360 104,850.00 1
3615 GARFIELD 9.000 843.65 90
8.750 843.65 116,500.00
JOHNSBURG IL 60050 1 01/07/00 14
0411703804 05 03/01/00 25
1
0411703804 O 02/01/30
0
3133327 K08/G02 F 66,800.00 ZZ
360 66,800.00 1
231 LYNN AVE 9.125 543.51 80
8.875 543.51 83,500.00
FRANKLIN OH 45005 1 01/07/00 00
0411734445 05 03/01/00 0
0411734445 O 02/01/30
0
3133329 K08/G02 F 71,200.00 ZZ
360 71,200.00 1
1550 HANCOCK DRIVE 9.000 572.89 80
8.750 572.89 89,000.00
MESQUITE TX 75149 5 01/07/00 00
0411740533 05 03/01/00 0
0411740533 N 02/01/30
0
3133332 K08/G02 F 35,900.00 ZZ
360 35,900.00 1
470 REYNOLDS AVENUE 9.750 308.44 90
9.500 308.44 39,900.00
COLUMBUS OH 43201 1 01/06/00 04
0411755234 05 03/01/00 25
0411755234 N 02/01/30
0
3133338 K08/G02 F 97,200.00 ZZ
360 97,200.00 1
5320 EAST THRILL PLACE 9.500 817.31 90
9.250 817.31 108,000.00
DENVER CO 80207 1 01/07/00 04
0411767346 05 03/01/00 25
0411767346 N 02/01/30
0
3133340 K08/G02 F 30,150.00 ZZ
360 30,150.00 1
1555 HARRIS COURT 9.625 256.27 90
9.375 256.27 33,500.00
DALLAS TX 75223 1 01/06/00 01
0411772270 05 03/01/00 25
0411772270 N 02/01/30
0
1
3133342 K08/G02 F 184,500.00 ZZ
360 184,500.00 2
13194-13196 FOLIAGE AVENUE 9.625 1,568.23 90
9.375 1,568.23 205,000.00
APPLE VALLEY MN 55124 1 01/07/00 10
0411774441 05 03/01/00 25
0411774441 N 02/01/30
0
3133343 K08/G02 F 244,800.00 ZZ
360 244,800.00 1
216 SIEBMAN ROAD 8.875 1,947.74 80
8.625 1,947.74 306,000.00
SADLER TX 76264 1 01/05/00 00
0411776016 05 03/01/00 0
0411776016 O 02/01/30
0
3133345 K08/G02 F 120,000.00 ZZ
360 120,000.00 1
2039 CAMELOT DRIVE 8.375 912.09 71
8.125 912.09 170,000.00
LEWISVILLE TX 75067 1 01/07/00 00
0411777634 05 03/01/00 0
0411777634 O 02/01/30
0
3134778 A53/G02 F 52,000.00 ZZ
360 51,974.42 4
4065 BOTANICAL AVENUE 9.500 437.25 80
9.250 437.25 65,000.00
ST. LOUIS MO 63110 1 12/17/99 00
0431763168 05 02/01/00 0
0290037582 N 01/01/30
0
3135091 K15/G02 F 144,000.00 ZZ
360 143,929.17 4
1131 A B C D BARSTOW ROAD 9.500 1,210.83 80
9.250 1,210.83 180,000.00
BARSTOW CA 92311 5 12/14/99 00
0431770395 05 02/01/00 0
3005908 N 01/01/30
0
3135130 526/526 F 76,400.00 ZZ
360 76,352.51 1
COUNTY RD 941A (HENSLEY LANE) 8.375 580.70 80
8.125 580.70 95,500.00
1
ALVIN TX 77511 1 12/23/99 00
390860 05 02/01/00 0
390860 O 01/01/30
0
3135145 526/526 F 266,000.00 ZZ
360 265,838.86 1
3652 N PERRY PARK RD 8.500 2,045.31 70
8.250 2,045.31 380,000.00
SEDALIA CO 80135 1 12/29/99 00
388476 05 02/01/00 0
388476 N 01/01/30
0
3135151 526/526 F 656,250.00 ZZ
360 655,410.18 1
23 SANDALWOOD DRIVE 8.250 4,930.19 75
8.000 4,930.19 875,000.00
HOUSTON TX 77024 1 11/19/99 00
384886 03 01/01/00 0
384886 O 12/01/29
0
3135163 526/526 F 93,500.00 T
360 93,383.36 1
BRITT RD 8.375 710.67 55
8.125 710.67 170,000.00
PITTSBURG NH 03592 5 11/29/99 00
385639 05 01/01/00 0
385639 O 12/01/29
0
3135166 526/526 F 103,200.00 ZZ
360 103,132.49 1
843 3RD STREET 8.125 766.26 80
7.875 766.26 129,000.00
COTTONWOOD AZ 86326 1 11/29/99 00
388570 05 02/01/00 0
388570 O 01/01/30
0
3135169 526/526 F 304,000.00 ZZ
360 303,457.68 1
1406 COLE ST 8.625 2,364.48 40
8.375 2,364.48 775,000.00
SAN FRANCISCO CA 94117 2 10/29/99 00
384910 05 12/01/99 0
384910 N 11/01/29
0
1
3135173 526/526 F 236,800.00 ZZ
360 236,641.11 1
10131 DEER BROOK LN 8.000 1,737.56 80
7.750 1,737.56 296,000.00
CHARLOTTE NC 28210 1 12/15/99 00
389024 03 02/01/00 0
389024 O 01/01/30
0
3135187 526/526 F 128,000.00 ZZ
360 127,918.37 1
13005 SW 119 TER 8.250 961.63 80
8.000 961.63 160,000.00
MIAMI FL 33186 1 12/30/99 00
390755 05 02/01/00 0
390755 O 01/01/30
0
3135189 526/526 F 151,900.00 ZZ
360 151,695.48 1
5318 W 119TH PL 8.000 1,114.59 80
7.750 1,114.59 189,900.00
INGLEWOOD CA 90304 1 11/17/99 00
388050 05 01/01/00 0
388050 O 12/01/29
0
3135208 526/526 F 355,000.00 ZZ
360 354,557.14 2
1776 78TH ST 8.375 2,698.26 88
8.125 2,698.26 405,000.00
BROOKLYN NY 11214 1 11/19/99 11
385827 05 01/01/00 25
385827 O 12/01/29
0
3135212 526/526 F 185,000.00 ZZ
360 184,769.21 1
27 PLYMOUTH COURT 8.375 1,406.14 50
8.125 1,406.14 375,000.00
LINCOLNSHIRE IL 60069 2 11/12/99 00
385679 05 01/01/00 0
385679 O 12/01/29
0
3135231 526/526 F 173,600.00 ZZ
360 173,494.84 1
1
10814 AVENIDA CATHERINA 8.500 1,334.83 80
8.250 1,334.83 217,000.00
SPRING VALLEY CA 91977 1 12/02/99 00
385949 05 02/01/00 0
385949 O 01/01/30
0
3135234 526/526 F 720,000.00 ZZ
360 717,947.54 1
6216 TOBRUK CT & BOAT SLIP # 7.750 5,158.17 80
31 7.500 5,158.17 900,000.00
LONG BEACH CA 90803 1 09/02/99 00
378635 03 11/01/99 0
378635 O 10/01/29
0
3135262 K15/G02 F 128,000.00 ZZ
360 127,852.17 1
2332 STONEGATE DRIVE NORTH 8.750 1,006.98 80
8.500 1,006.98 160,000.00
BEDFORD TX 76021 5 11/24/99 00
0431787233 05 01/01/00 0
3004664 O 12/01/29
0
3136464 K08/G02 F 105,000.00 ZZ
360 105,000.00 1
2840 CREEKSIDE CT. 9.000 844.85 68
8.750 844.85 155,000.00
WATERFORD MI 48328 1 01/10/00 00
0411592041 05 03/01/00 0
0411592041 O 02/01/30
0
3136465 K08/G02 F 75,000.00 ZZ
360 75,000.00 1
7612 KALMALII AVENUE 9.000 603.47 73
8.750 603.47 104,000.00
LAS VEGAS NV 89147 1 01/06/00 00
0411703010 03 03/01/00 0
0411703010 O 02/01/30
0
3136466 K08/G02 F 68,000.00 ZZ
360 68,000.00 1
219 PENNSYLVANIA AVENUE 8.875 541.04 90
8.625 541.04 76,000.00
CUMBERLAND MD 21502 5 01/04/00 11
0411712284 05 03/01/00 25
1
0411712284 O 02/01/30
0
3136467 K08/G02 F 74,500.00 ZZ
360 74,500.00 1
9405 EAGLE HILL 8.750 586.09 63
8.500 586.09 120,000.00
CLARKSTON MI 48346 5 01/04/00 00
0411723265 05 03/01/00 0
0411732365 O 02/01/30
0
3136468 K08/G02 F 200,000.00 ZZ
360 200,000.00 1
6228 SOUTH SCHNEIDER ROAD 9.250 1,645.35 80
9.000 1,645.35 250,000.00
WOODBURN OR 97071 1 12/30/99 00
0411733892 05 03/01/00 0
0411733892 O 02/01/30
0
3136469 K08/G02 F 160,000.00 ZZ
360 160,000.00 1
505 GOLDEN TROUT WAY 9.500 1,345.37 80
9.250 1,345.37 200,400.00
BOZEMAN MT 59715 5 12/30/99 00
0411734791 05 03/01/00 0
0411734791 O 02/01/30
0
3136471 K08/G02 F 79,850.00 ZZ
360 79,806.39 1
409 HILLRIDGE DRIVE 9.000 642.49 75
8.750 642.49 106,500.00
LAWRENCEVILLE GA 30045 5 01/10/00 00
0411747652 05 02/01/00 0
0411747652 N 01/01/30
0
3136472 K08/G02 F 39,950.00 ZZ
360 39,950.00 1
805 KANSAS AVE. 9.250 328.66 85
9.000 328.66 47,000.00
BENSON MN 56215 5 01/05/00 01
0411752637 05 03/01/00 12
0411752637 O 02/01/30
0
1
3136474 K08/G02 F 100,750.00 ZZ
360 100,750.00 2
5005 AVENUE F UNIT A & B 9.500 847.16 65
9.250 847.16 155,000.00
AUSTIN TX 78751 5 01/07/00 00
0411753767 05 03/01/00 0
0411753767 N 02/01/30
0
3136475 K08/G02 F 82,850.00 ZZ
360 82,850.00 4
2047 WEST SUMMIT AVENUE 8.875 659.19 95
8.625 659.19 87,250.00
SAN ANTONIO TX 78201 1 01/06/00 01
0411756125 05 03/01/00 30
0411756125 O 02/01/30
0
3136478 K08/G02 F 117,000.00 ZZ
360 117,000.00 3
16 PINE STREET 9.750 1,005.21 90
9.500 1,005.21 130,000.00
BROCKTON MA 02302 5 01/05/00 04
0411775406 05 03/01/00 25
0411775406 O 02/01/30
0
3137669 B28/G02 F 65,700.00 ZZ
360 65,663.17 1
3016 EAST ENGLISH STREET 8.875 522.74 90
8.625 522.74 73,000.00
WICHITA KS 67211 2 12/17/99 11
0431767987 05 02/01/00 25
81990097 O 01/01/30
0
3138018 E65/G02 F 16,200.00 ZZ
360 16,200.00 1
1722 INDIANA 9.750 139.18 90
9.500 139.18 18,000.00
FLINT MI 48506 1 01/10/00 01
0431778406 05 03/01/00 25
227349 N 02/01/30
0
3138392 P33/G02 F 69,750.00 ZZ
360 69,719.14 4
8001-8007 CAMBRIDGE CIRCLE 10.000 612.11 75
9.750 612.11 93,000.00
1
WHITE SETTLEMEN TX 76108 4 12/17/99 00
0431800028 05 02/01/00 0
32575 N 01/01/30
0
3138777 623/G02 F 262,800.00 ZZ
360 261,718.17 1
7178 VIA COLINA 8.750 2,067.45 90
8.500 2,067.45 292,000.00
SAN JOSE CA 95139 1 06/08/99 01
0431780675 03 08/01/99 25
20199115 N 07/01/29
0
3138825 623/G02 F 116,100.00 ZZ
360 114,834.10 2
741 SHERIDAN STREET 8.500 892.71 90
8.250 892.71 129,000.00
AURORA IL 60505 1 08/06/98 11
0431785641 05 10/01/98 25
1169853 N 09/01/28
0
3139543 K08/G02 F 126,500.00 ZZ
360 126,500.00 1
8121 CLARION CIRCLE 8.625 983.90 87
8.375 983.90 147,000.00
SACRAMENTO CA 95843 2 01/06/00 01
0411726409 05 03/01/00 25
0411726409 O 02/01/30
0
3139544 K08/G02 F 170,000.00 ZZ
360 170,000.00 1
47 LINDA COURT 8.875 1,352.60 85
8.625 1,352.60 200,000.00
NAUGATUCK CT 06770 5 01/06/00 04
0411747454 05 03/01/00 12
0411747454 O 02/01/30
0
3139545 K08/G02 F 65,650.00 ZZ
360 65,650.00 1
1216 CHOCTAW STREET 9.375 546.04 65
9.125 546.04 101,000.00
JUPITER FL 33458 5 01/11/00 00
0411748106 05 03/01/00 0
0411748106 N 02/01/30
0
1
3139550 K08/G02 F 195,000.00 ZZ
360 195,000.00 1
1200 BARBE DRIVE 9.500 1,639.67 84
9.250 1,639.67 234,000.00
WESTWEGO LA 70094 5 01/06/00 04
0411765530 05 03/01/00 12
0411765530 O 02/01/30
0
3139552 K08/G02 F 50,400.00 ZZ
360 50,400.00 2
2246-2248 N. LELAND 9.250 414.63 90
9.000 414.63 56,000.00
INDIANAPOLIS IN 46219 1 01/11/00 04
0411773831 05 03/01/00 25
0411773831 N 02/01/30
0
3139553 K08/G02 F 79,800.00 ZZ
360 79,800.00 1
1271 TRENTON STREET 9.375 663.74 70
9.125 663.74 114,000.00
ATLANTA GA 30316 5 01/11/00 00
0411775273 05 03/01/00 0
0411775273 N 02/01/30
0
3139554 K08/G02 F 67,500.00 ZZ
360 67,500.00 1
5114 KENWOOD ROAD 9.500 567.58 90
9.250 567.58 75,000.00
CINCINNATI OH 45227 1 01/11/00 04
0411775588 05 03/01/00 25
0411775588 N 02/01/30
0
3139555 K08/G02 F 94,050.00 ZZ
360 94,050.00 1
3248 SUN VALLEY 9.875 816.68 95
9.625 816.68 99,000.00
SAGINAW MI 48601 2 01/06/00 04
0411775836 05 03/01/00 30
0411775836 O 02/01/30
0
3139557 K08/G02 F 100,000.00 ZZ
360 100,000.00 1
1
6441 ARNO ROAD 8.875 795.64 80
8.625 795.64 125,000.00
COLLEGE GROVE TN 37046 1 01/11/00 00
0411778566 05 03/01/00 0
0411778566 O 02/01/30
0
3139559 K08/G02 F 110,400.00 T
360 110,400.00 1
282 ELM COVE DRIVE 9.000 888.30 80
8.750 888.30 138,000.00
ABILENE TX 79605 1 01/06/00 00
0411779259 05 03/01/00 0
0411779259 O 02/01/30
0
3139560 K08/G02 F 38,250.00 ZZ
360 38,250.00 1
401 MOSIER ROAD 9.750 328.63 90
9.500 328.63 42,500.00
GIRARD OH 44420 1 01/11/00 04
0411779648 05 03/01/00 25
0411779648 N 02/01/30
0
3141514 601/G02 F 200,000.00 ZZ
360 199,884.92 1
1713 W CAMPBELL AVE 8.750 1,573.41 62
8.500 1,573.41 325,000.00
CAMPBELL CA 95008 5 12/17/99 00
0431771518 05 02/01/00 0
60148293 O 01/01/30
0
3141546 K15/G02 F 103,600.00 ZZ
360 103,600.00 1
606 GALE AVE 8.750 815.02 85
8.500 815.02 122,000.00
NEW PORT OH 45768 5 12/29/99 10
0431780063 05 03/01/00 12
012805300160 O 02/01/30
0
3141621 601/G02 F 243,000.00 ZZ
360 242,860.19 1
HC 75 BOX 206 8.750 1,911.69 90
8.500 1,911.69 270,000.00
GALISTEO NM 87540 1 12/28/99 10
0431772029 05 02/01/00 25
1
6014036 O 01/01/30
0
3141697 253/253 F 45,500.00 ZZ
360 45,500.00 1
5713 EMERSON DRIVE 9.000 366.11 76
8.750 366.11 60,000.00
WATAUGA TX 76148 2 01/05/00 00
948516 05 03/01/00 0
948516 N 02/01/30
0
3141863 822/G02 F 119,250.00 ZZ
360 119,184.86 4
80 WEST ALBEMARLE AVE 9.000 959.52 90
8.750 959.52 132,500.00
LANSDOWNE PA 19050 1 12/30/99 04
0431801067 05 02/01/00 25
3626030423 N 01/01/30
0
3141869 950/G02 F 91,000.00 ZZ
360 90,946.27 1
1212 SOUTH 9TH AVENUE 8.625 707.79 70
8.375 707.79 130,000.00
YAKIMA WA 98902 5 12/28/99 00
0431772326 03 02/01/00 0
104991203008 N 01/01/30
0
3141984 P16/G02 F 183,500.00 ZZ
360 183,397.13 1
3438 COLLINS #6 8.875 1,460.01 90
8.625 1,460.01 203,900.00
ORANGE CA 92867 1 12/03/99 10
0431778877 03 02/01/00 25
50004207 O 01/01/30
0
3142182 664/G02 F 144,000.00 ZZ
360 144,000.00 1
6703 AURORA AVE N 9.375 1,197.72 90
9.125 1,197.72 160,000.00
SEATTLE WA 98103 1 01/05/00 01
0431778224 05 03/01/00 25
0003322583 N 02/01/30
0
1
3142343 601/G02 F 48,900.00 ZZ
360 48,877.18 1
395 HENRY 9.750 420.13 89
9.500 420.13 55,500.00
MANSFIELD OH 44907 2 12/30/99 01
0431801745 05 02/01/00 25
60153483 N 01/01/30
0
3142547 601/G02 F 96,000.00 ZZ
360 95,952.77 1
67 ORGAN PIPE DR 9.500 807.23 60
9.250 807.23 160,000.00
ESCUDILLA BONIT NM 85938 5 12/23/99 00
0431779610 05 02/01/00 0
60147790 O 01/01/30
0
3142690 E65/G02 F 22,500.00 ZZ
360 22,500.00 1
1714 COLORADO 9.750 193.31 87
9.500 193.31 26,000.00
FLINT MI 48506 1 01/10/00 01
0431778851 05 03/01/00 25
227352 N 02/01/30
0
3143399 E82/G02 F 199,600.00 ZZ
360 199,600.00 1
1259 SOUTH 1ST STREET 8.875 1,588.11 80
8.625 1,588.11 249,500.00
LOUISVILLE KY 40203 1 01/14/00 00
0400249777 05 03/01/00 0
0400249777 O 02/01/30
0
3143679 K08/G02 F 99,650.00 ZZ
360 99,650.00 1
1093 VIA JARDIN 9.500 837.91 90
9.250 837.91 110,729.00
PALM BEACH GARD FL 33418 1 01/12/00 14
0411729825 09 03/01/00 25
0411729825 O 02/01/30
0
3143680 K08/G02 F 135,000.00 ZZ
360 135,000.00 1
1945 WASHINGTON STREET UNIT406 9.625 1,147.49 50
9.375 1,147.49 274,000.00
1
SAN FRANCISCO CA 94109 1 01/07/00 00
0411739220 01 03/01/00 0
0411739220 N 02/01/30
0
3143683 K08/G02 F 165,600.00 ZZ
360 165,600.00 1
7457 S. PIERCE COURT 8.625 1,288.02 80
8.375 1,288.02 207,000.00
LITTLETON CO 80128 5 01/12/00 00
0411761943 05 03/01/00 0
0411761943 N 02/01/30
0
3143684 K08/G02 F 300,000.00 ZZ
360 300,000.00 1
11280 DONA LISA DRIVE 9.625 2,549.97 50
9.375 2,549.97 611,000.00
STUDIO CITY CA 91604 5 01/04/00 00
0411765498 05 03/01/00 0
0411765498 O 02/01/30
0
3144175 623/G02 F 114,400.00 ZZ
360 114,086.13 1
6212 HEATHER MIST LANE 8.750 899.99 72
8.500 899.99 160,000.00
LAS VEGAS NV 89108 2 12/22/99 00
0431786581 05 02/01/00 0
1310339 N 01/01/30
0
3144176 623/G02 F 105,500.00 ZZ
360 105,434.42 1
7898 PALACE MONACO AVENUE 8.375 801.88 80
8.125 801.88 131,895.00
LAS VEGAS NV 89117 1 12/02/99 00
0431790534 03 02/01/00 0
1313619 O 01/01/30
0
3144178 623/G02 F 205,600.00 ZZ
360 204,470.29 4
4729 MATT DRIVE 8.000 1,508.62 80
7.750 1,508.62 257,000.00
RALEIGH NC 27603 1 05/05/99 00
0431780246 07 07/01/99 0
1345432 N 06/01/29
0
1
3144180 623/G02 F 63,000.00 ZZ
360 62,961.83 1
197 NEW OAKRIDGE TRL 8.500 484.42 70
8.250 484.42 90,000.00
FAYETTEVILLE GA 30214 5 12/21/99 00
0431789130 05 02/01/00 0
1353629 N 01/01/30
0
3144181 623/G02 F 203,700.00 ZZ
360 203,119.33 1
21438 CHADBURY 7.750 1,459.33 80
7.500 1,459.33 255,000.00
MACOMB TOWNSHIP MI 48044 1 09/15/99 00
0431783497 05 11/01/99 0
1382867 O 10/01/29
0
3144182 623/G02 F 50,800.00 ZZ
360 50,738.23 4
4114 16 NEBRASKA AVENUE 8.500 390.61 80
8.250 390.61 63,500.00
ST LOUIS MO 63118 5 11/22/99 00
0431786706 05 01/01/00 0
1384209 N 12/01/29
0
3144183 623/G02 F 71,500.00 ZZ
360 71,466.64 1
119 FAIRVIEW AVENUE EXTENSION 9.750 614.30 65
9.500 614.30 110,000.00
BRIDGEPORT CT 06606 5 12/17/99 00
0431789395 05 02/01/00 0
1393111 N 01/01/30
0
3144184 623/G02 F 98,100.00 ZZ
360 97,453.39 2
241 MAPLE AVENUE 9.250 807.04 90
9.000 807.04 109,000.00
BARRINGTON RI 02806 1 11/29/99 01
0431784800 05 01/01/00 25
1417748 N 12/01/29
0
3144185 623/G02 F 55,080.00 ZZ
360 55,046.63 1
1
2018 E NINE MILE ROAD 8.500 423.52 90
8.250 423.52 61,200.00
SANDSTON VA 23150 1 12/15/99 10
0431791623 05 02/01/00 25
1417867 N 01/01/30
0
3144186 623/G02 F 96,000.00 ZZ
360 95,943.32 1
5611 SOUTH 7TH ROAD 8.625 746.68 80
8.375 746.68 120,000.00
ARLINGTON VA 22204 1 12/10/99 00
0431791615 05 02/01/00 0
1418303 O 01/01/30
0
3144187 623/G02 F 86,000.00 ZZ
240 85,849.40 1
124 SOUTH KING STREET 7.750 706.02 73
7.500 706.02 118,400.00
JONESTOWN PA 17038 5 12/09/99 00
0431789296 05 02/01/00 0
1418377 O 01/01/20
0
3144188 623/G02 F 120,000.00 ZZ
360 119,934.45 1
5592 HENSEL WOODS ROAD 9.000 965.55 80
8.750 965.55 150,000.00
COLUMBUS OH 43230 1 12/20/99 00
0431785708 05 02/01/00 0
1426258 O 01/01/30
0
3144189 623/G02 F 81,150.00 ZZ
240 79,582.18 1
3222 FURMAN BOULEVARD 8.500 704.24 75
8.250 704.24 108,250.00
LOUISVILLE KY 40220 1 12/23/99 00
0431780345 05 02/01/00 0
1427708 N 01/01/20
0
3144191 623/G02 F 75,000.00 ZZ
360 74,952.18 1
12202 CLARESHOM DRIVE 8.250 563.45 76
8.000 563.45 99,518.00
TOMBALL TX 77375 1 12/13/99 00
0431790914 03 02/01/00 0
1
5222313 O 01/01/30
0
3144192 623/G02 F 47,000.00 ZZ
360 46,971.53 1
1605 WEST PHOENIX PLACE 8.500 361.39 53
8.250 361.39 89,000.00
BROKEN ARROW OK 74011 2 12/20/99 00
0431785807 05 02/01/00 0
5223125 N 01/01/30
0
3144193 623/G02 F 50,000.00 ZZ
360 49,969.71 1
1405 N JUNIPER AVE 8.500 384.46 58
8.250 384.46 87,000.00
BROKEN ARROW OK 74012 2 12/20/99 00
0431785922 05 02/01/00 0
5223126 N 01/01/30
0
3144194 623/G02 F 68,000.00 ZZ
360 67,958.81 1
6453 MEADOW RUE DRIVE 8.500 522.86 80
8.250 522.86 85,000.00
NORCROSS GA 30092 1 12/22/99 00
0431786938 05 02/01/00 0
5223156 N 01/01/30
0
3144195 623/G02 F 75,000.00 ZZ
360 74,956.85 1
4432 LONGMEADOW WAY 8.750 590.03 75
8.500 590.03 100,000.00
FORT WORTH TX 76133 2 12/10/99 00
0431791664 05 02/01/00 0
5223219 O 01/01/30
0
3144196 623/G02 F 110,000.00 ZZ
360 109,929.86 1
940 ORCHARD LANE 8.250 826.39 41
8.000 826.39 270,000.00
ROSEVILLE MN 55113 5 12/13/99 00
0431790559 05 02/01/00 0
5224375 O 01/01/30
0
1
3144197 623/G02 F 211,500.00 ZZ
360 211,365.13 1
13220 SHERWOOD FOREST DRIVE 8.250 1,588.93 90
8.000 1,588.93 235,000.00
SILVER SPRING MD 20904 1 12/27/99 10
0431785286 05 02/01/00 25
5224951 N 01/01/30
0
3144198 623/G02 F 266,400.00 ZZ
360 265,993.05 1
49 PARTRIDGE 8.875 2,119.60 80
8.625 2,119.60 333,000.00
TROY MI 48098 5 11/08/99 00
0431789155 05 01/01/00 0
5225423 O 12/01/29
0
3144199 623/G02 F 110,000.00 ZZ
360 109,928.04 1
759 CHRISTOPHER DRIVE 8.125 816.75 65
7.875 816.75 170,000.00
MARION OH 43302 5 12/20/99 00
0431785104 05 02/01/00 0
5225661 O 01/01/30
0
3144200 623/G02 F 68,250.00 ZZ
360 68,216.43 1
912 11TH AVENUE NW 9.500 573.88 65
9.250 573.88 105,000.00
RIO RANCHO NM 87124 5 12/09/99 00
0431786185 05 02/01/00 0
5225830 N 01/01/30
0
3144201 623/G02 F 138,750.00 ZZ
360 138,672.21 1
313 APASUS TRAIL 8.875 1,103.96 75
8.625 1,103.96 185,000.00
VIRGINIA BEACH VA 23452 1 12/20/99 00
0431786904 05 02/01/00 0
5226353 O 01/01/30
0
3144202 623/G02 F 245,000.00 ZZ
360 244,847.72 1
6435 BAKER LANE 8.375 1,862.18 70
8.125 1,862.18 355,000.00
1
LAKE WYLIE SC 29710 5 12/20/99 00
0431782580 05 02/01/00 0
5226520 O 01/01/30
0
3144203 623/G02 F 240,000.00 ZZ
360 239,850.83 1
676 SOUTHERN HILLS DRIVE 8.375 1,824.17 80
8.125 1,824.17 300,000.00
EUREKA MO 63025 1 12/17/99 00
0431791060 03 02/01/00 0
5226643 O 01/01/30
0
3144204 623/G02 F 91,120.00 ZZ
360 91,075.18 1
1305 WOODINGTON CIRCLE 9.500 766.19 80
9.250 766.19 113,900.00
LAWRENCEVILLE GA 30044 1 12/23/99 00
0431786698 05 02/01/00 0
5226697 N 01/01/30
0
3144205 623/G02 F 487,500.00 ZZ
360 487,189.13 1
19045 COUCH MARKET ROAD 8.250 3,662.43 69
8.000 3,662.43 708,000.00
BEND OR 97701 5 12/08/99 00
0431790815 05 02/01/00 0
5227006 O 01/01/30
0
3144206 623/G02 F 53,600.00 ZZ
360 53,566.68 1
3095 SHOSHONE PLACE #5B 8.375 407.40 80
8.125 407.40 67,000.00
PRESCOTT AZ 86301 1 12/20/99 00
0431784883 07 02/01/00 0
5227077 O 01/01/30
0
3144207 623/G02 F 65,070.00 ZZ
360 65,027.44 1
1229 TAFT STREET 8.125 483.14 79
7.875 483.14 82,500.00
SHERRODSVILLE OH 44675 1 12/21/99 00
0431785898 05 02/01/00 0
5227335 O 01/01/30
0
1
3144208 623/G02 F 70,000.00 ZZ
360 69,961.76 1
2588 SOUTH 900 EAST #24 9.000 563.24 73
8.750 563.24 97,000.00
SALT LAKE CITY UT 84106 2 12/23/99 00
0431785294 01 02/01/00 0
5227683 N 01/01/30
0
3144209 623/G02 F 80,000.00 ZZ
360 79,958.53 1
10209 GUADIANA PLACE SW 9.250 658.14 67
9.000 658.14 120,000.00
ALBUQUERQUE NM 87121 5 12/09/99 00
0431785161 05 02/01/00 0
5227760 O 01/01/30
0
3144210 623/G02 F 120,000.00 ZZ
360 119,937.79 4
3734 BELL 9.250 987.21 70
9.000 987.21 172,000.00
KANSAS CITY MO 64111 2 12/23/99 00
0431783869 05 02/01/00 0
5227867 N 01/01/30
0
3144211 623/G02 F 164,700.00 ZZ
360 164,612.35 2
6220 54TH AVE COURT WEST 9.125 1,340.06 90
8.875 1,340.06 183,000.00
UNIVERSITY PLAC WA 98467 1 12/20/99 11
0431789569 05 02/01/00 25
5227999 O 01/01/30
0
3144212 623/G02 F 54,450.00 ZZ
360 54,421.77 1
7121 MAIN 9.250 447.95 70
9.000 447.95 78,000.00
KANSAS CITY MO 64114 2 12/22/99 00
0431791730 05 02/01/00 0
5228003 N 01/01/30
0
3144213 623/G02 F 196,000.00 ZZ
360 195,881.26 1
1
2219 NORTH GRANTLAND AVENUE 8.500 1,507.07 80
8.250 1,507.07 245,000.00
FRESNO CA 93722 1 12/14/99 00
0431786953 05 02/01/00 0
5228367 N 01/01/30
0
3144214 623/G02 F 134,800.00 ZZ
360 134,722.44 1
1131 SUNUP ROAD 8.750 1,060.48 80
8.500 1,060.48 168,500.00
PRESCOTT AZ 86303 5 12/16/99 00
0431781020 03 02/01/00 0
5228392 O 01/01/30
0
3144215 623/G02 F 64,000.00 ZZ
360 63,961.23 1
108 GUNPOWDER DRIVE 8.500 492.10 80
8.250 492.10 80,000.00
SAVANNAH GA 31410 1 12/27/99 00
0431798180 05 02/01/00 0
5228842 N 01/01/30
0
3144216 623/G02 F 101,600.00 ZZ
360 101,545.93 1
813 OLD MINE CREEK LANE 9.125 826.65 80
8.875 826.65 127,000.00
LAS VEGAS NV 89134 1 12/16/99 00
0431787415 03 02/01/00 0
5229069 N 01/01/30
0
3144217 623/G02 F 450,000.00 ZZ
360 449,713.05 1
2307 15TH STREET 8.250 3,380.70 79
8.000 3,380.70 570,000.00
SAN FRANCISCO CA 94116 1 12/16/99 00
0431791680 05 02/01/00 0
5229344 O 01/01/30
0
3144218 623/G02 F 90,000.00 ZZ
360 89,939.61 1
8815 EAST 63RD STREET 8.000 660.39 75
7.750 660.39 120,000.00
TULSA OK 74133 1 12/20/99 00
0431790211 03 02/01/00 0
1
5229394 O 01/01/30
0
3144219 623/G02 F 154,050.00 ZZ
360 153,956.68 1
1077 RUNWAY DRIVE SW 8.500 1,184.51 79
8.250 1,184.51 195,000.00
BYRON CENTER MI 49315 1 12/21/99 00
0431784750 05 02/01/00 0
5229712 O 01/01/30
0
3144220 623/G02 F 72,000.00 ZZ
360 71,959.64 1
1505 BARNA AVENUE 8.875 572.86 80
8.625 572.86 90,000.00
TITUSVILLE FL 32780 1 12/20/99 00
0431790229 05 02/01/00 0
5229774 O 01/01/30
0
3144221 623/G02 F 420,000.00 ZZ
360 419,787.90 1
13951 TELLURIDE DRIVE 9.375 3,493.35 80
9.125 3,493.35 525,000.00
BROOMFIELD CO 80020 1 12/20/99 00
0431782325 05 02/01/00 0
5229958 O 01/01/30
0
3144222 623/G02 F 134,250.00 ZZ
360 134,172.76 1
4028 VALLEY WEST DRIVE 8.750 1,056.15 74
8.500 1,056.15 182,300.00
RAPID CITY SD 57702 1 12/27/99 00
0431785450 05 02/01/00 0
5230266 O 01/01/30
0
3144223 623/G02 F 127,000.00 ZZ
360 126,926.93 1
13645 SOUTH POTAWATOMI TRAIL 8.750 999.11 45
8.500 999.11 285,000.00
LOCKPORT IL 60441 1 12/27/99 00
0431786847 05 02/01/00 0
5231287 O 01/01/30
0
1
3144224 623/G02 F 230,000.00 ZZ
360 229,698.06 1
9925 NACIMIENTO LAKE DRIVE 8.125 1,707.75 65
7.875 1,707.75 355,000.00
PASO ROBLES CA 93446 1 12/01/99 00
0431791482 05 01/01/00 0
6209475 O 12/01/29
0
3144225 623/G02 F 138,400.00 ZZ
360 138,311.74 1
6327 CHADBOURNE AVENUE 8.250 1,039.76 80
8.000 1,039.76 173,000.00
RIVERSIDE CA 92505 5 12/09/99 00
0431791854 05 02/01/00 0
6227439 O 01/01/30
0
3144226 623/G02 F 168,000.00 ZZ
360 167,898.22 1
313 CHERRYWOOD AVENUE 8.500 1,291.78 78
8.250 1,291.78 218,000.00
SAN LEANDRO CA 94577 2 12/14/99 00
0431785773 05 02/01/00 0
6227475 O 01/01/30
0
3144227 623/G02 F 108,750.00 ZZ
360 108,689.03 1
9300 MOUNTAIN VIEW ROAD 8.875 865.27 75
8.625 865.27 145,000.00
PRESCOTT VALLEY AZ 86314 4 12/02/99 00
0431785831 05 02/01/00 0
6302681 O 01/01/30
0
3144228 623/G02 F 44,100.00 ZZ
360 44,073.96 1
13415 NORTH 37TH AVENUE 8.625 343.01 60
8.375 343.01 73,500.00
PHOENIX AZ 85029 1 12/17/99 00
0431788512 05 02/01/00 0
6307336 N 01/01/30
0
3144229 623/G02 F 120,000.00 ZZ
360 119,857.79 1
8662 SOUTHWEST HAMLET CT 8.625 933.35 75
8.375 933.35 160,000.00
1
TIGARD OR 97224 1 11/09/99 00
0431786359 05 01/01/00 0
6314539 O 12/01/29
0
3145094 808/G02 F 180,000.00 ZZ
360 180,000.00 4
3445 SPRING STREET A B C D 9.500 1,513.54 75
9.250 1,513.54 240,000.00
PASO ROBLES CA 93446 1 01/07/00 00
0431802040 05 03/01/00 0
9416148 N 02/01/30
0
3146564 K08/G02 F 117,000.00 ZZ
360 117,000.00 1
60-49 PALISADE AVENUE 9.500 983.80 90
9.250 983.80 130,000.00
WEST NEW YORK NJ 07093 1 01/13/00 10
0411683527 05 03/01/00 25
0411683527 N 02/01/30
0
3146565 K08/G02 F 20,000.00 ZZ
360 20,000.00 1
1113 ROSELAWN 9.750 171.83 80
9.500 171.83 25,000.00
ARTESIA NM 88210 1 01/07/00 00
0411688666 05 03/01/00 0
0411688666 N 02/01/30
0
3146566 K08/G02 F 168,000.00 ZZ
360 168,000.00 1
2014 ROCKCREEK DRIVE 8.875 1,336.68 80
8.625 1,336.68 210,000.00
ARLINGTON TX 76010 5 01/06/00 00
0411689417 05 03/01/00 0
0411689417 O 02/01/30
0
3146567 K08/G02 F 133,600.00 ZZ
360 133,600.00 4
21737-21743 FIGUEROA STREET 10.000 1,172.44 80
9.750 1,172.44 167,000.00
CARSON CA 90745 1 01/10/00 00
0411708415 05 03/01/00 0
0411708415 O 02/01/30
0
1
3146569 K08/G02 F 121,950.00 ZZ
360 121,950.00 2
18128 MOHAWK DR 8.750 959.38 90
8.500 959.38 135,500.00
SPRING LAKE TOW MI 49456 1 01/13/00 04
0411740434 05 03/01/00 25
0411740434 N 02/01/30
0
3146570 K08/G02 F 45,000.00 ZZ
360 45,000.00 1
324 CAMELIA LANE 9.500 378.38 90
9.250 378.38 50,000.00
ASHEVILLE NC 28806 1 01/13/00 04
0411746027 27 03/01/00 25
0411746027 O 02/01/30
0
3146571 K08/G02 F 58,600.00 ZZ
360 58,600.00 1
11357 1ST AVENUE 9.125 476.79 85
8.875 476.79 69,000.00
PUNTA GORDA FL 33955 5 01/04/00 11
0411750748 05 03/01/00 25
0411750748 O 02/01/30
0
3146572 K08/G02 F 131,900.00 ZZ
360 131,900.00 1
600-#202 COPPERLINE DRIVE 9.375 1,097.08 80
9.125 1,097.08 164,900.00
CHAPEL HILL NC 27516 1 01/13/00 00
0411757768 01 03/01/00 0
0411757768 O 02/01/30
0
3146574 K08/G02 F 45,000.00 ZZ
360 45,000.00 2
3057 FIELD STREET 10.000 394.91 90
9.750 394.91 50,000.00
DETROIT MI 48214 1 01/13/00 04
0411763485 05 03/01/00 25
0411763485 N 02/01/30
0
3146575 K08/G02 F 59,600.00 ZZ
360 59,600.00 1
1
303 KENSINGTON AVENUE 9.875 517.54 75
9.625 517.54 79,500.00
FERNDALE MI 48220 5 01/13/00 00
0411765696 05 03/01/00 0
0411765696 N 02/01/30
0
3146577 K08/G02 F 89,100.00 ZZ
360 89,100.00 4
3642 NORTHDALE PLACE 9.625 757.34 90
9.375 757.34 99,000.00
CINCINNATI OH 45213 1 01/13/00 04
0411769235 05 03/01/00 25
0411769235 N 02/01/30
0
3146581 K08/G02 F 113,000.00 ZZ
360 113,000.00 1
5023 BLACKCLOUD LOOP 9.375 939.88 80
9.125 939.88 143,000.00
COLORADO SPRING CO 80922 1 01/13/00 00
0411780257 05 03/01/00 0
0411780257 N 02/01/30
0
3146582 K08/G02 F 382,500.00 ZZ
360 382,500.00 4
4405 AVENUE H UNITS A-D 9.125 3,112.15 90
8.875 3,112.15 425,000.00
AUSTIN TX 78751 1 01/13/00 04
0411781016 05 03/01/00 25
0411781016 O 02/01/30
0
3146583 K08/G02 F 48,000.00 ZZ
360 48,000.00 2
3450 DUNNICA AVE. 10.000 421.23 80
9.750 421.23 60,000.00
ST. LOUIS MO 63118 1 01/13/00 00
0411784507 05 03/01/00 0
0411784507 N 02/01/30
0
3146584 K08/G02 F 128,000.00 ZZ
360 128,000.00 1
2612 MILLBROOK DRIVE 8.875 1,018.43 80
8.625 1,018.43 160,000.00
SNELLVILLE GA 30078 1 01/13/00 00
0411787047 05 03/01/00 0
1
0411787047 O 02/01/30
0
3146692 E82/G02 F 33,600.00 ZZ
360 33,600.00 1
4411 LEES LANE 9.500 282.53 70
9.250 282.53 48,000.00
LOUISVILLE KY 40216 5 01/19/00 00
0400244521 05 03/01/00 0
0400244521 N 02/01/30
0
3146693 E82/G02 F 33,600.00 ZZ
360 33,600.00 1
4400 LEES LANE 9.500 282.53 70
9.250 282.53 48,000.00
LOUISVILLE KY 40216 5 01/19/00 00
0400244505 05 03/01/00 0
0400244505 N 02/01/30
0
3146839 A26/G02 F 109,600.00 ZZ
360 107,873.46 1
2106 STATZ STREET 8.000 804.21 88
7.750 804.21 125,000.00
NORTH LAS VEGAS NV 89030 2 08/02/99 04
0431817246 05 10/01/99 25
30792 N 09/01/29
0
3147492 637/G02 F 73,600.00 ZZ
360 73,557.65 1
12738 WATER STREET 8.750 579.02 80
8.500 579.02 92,000.00
ARDARA PA 15615 2 12/10/99 00
0431796689 05 02/01/00 0
0014551410 O 01/01/30
0
3148173 976/976 F 121,600.00 ZZ
360 121,459.57 2
966-968 BRIDGE STREET 8.750 956.63 95
8.500 956.63 128,000.00
LOWELL MA 01850 1 12/02/99 11
5829193 05 01/01/00 30
5829193 O 12/01/29
0
1
3148234 976/976 F 260,000.00 ZZ
360 259,683.86 1
73 ADAMS AVENUE 8.500 1,999.18 80
8.250 1,999.18 325,000.00
HAWORTH NJ 07641 1 11/10/99 00
5763028 05 01/01/00 0
5763028 N 12/01/29
0
3148291 976/976 F 540,000.00 ZZ
360 539,326.36 1
8 AIRMONT AVENUE 8.375 4,104.40 75
8.125 4,104.40 720,000.00
MAHWAH NJ 07430 5 11/19/99 00
5559987 05 01/01/00 0
5559987 O 12/01/29
0
3148309 664/G02 F 270,000.00 ZZ
360 270,000.00 4
17222-17230 44TH AVE W 1,2,3,4 9.750 2,319.72 90
9.500 2,319.72 300,000.00
LYNNWOOD WA 98037 1 01/05/00 11
0431803840 05 03/01/00 25
0003322559 N 02/01/30
0
3148380 757/G02 F 131,300.00 ZZ
360 131,300.00 1
206 TOWLER DRIVE 9.500 1,104.05 90
9.250 1,104.05 145,900.00
LOGANVILLE GA 30052 1 01/07/00 01
0431803204 05 03/01/00 25
2311629 N 02/01/30
0
3148992 G41/G02 F 135,000.00 T
360 134,931.83 1
6585 NW 113 WAY 9.375 1,122.86 72
9.125 1,122.86 188,295.00
PARKLAND FL 33076 1 12/29/99 00
0431790104 03 02/01/00 0
64001203 O 01/01/30
0
3150125 K08/G02 F 110,600.00 ZZ
360 110,600.00 1
1107 DIXIE LANE 9.000 889.91 90
8.750 889.91 122,900.00
1
FERNLEY NV 89408 1 01/12/00 01
0411744279 05 03/01/00 25
0411744279 O 02/01/30
0
3150126 K08/G02 F 176,200.00 ZZ
360 176,200.00 2
110 FIFTH AVENUE 9.750 1,513.83 75
9.500 1,513.83 235,000.00
BRADLEY BEACH NJ 07720 1 01/14/00 00
0411748502 05 03/01/00 0
0411748502 N 02/01/30
0
3150127 K08/G02 F 168,800.00 ZZ
360 168,800.00 1
3225 MADERA AVENUE 8.500 1,297.93 80
8.250 1,297.93 211,000.00
OAKLAND CA 94619 1 01/07/00 00
0411749443 05 03/01/00 0
0411749443 O 02/01/30
0
3150130 K08/G02 F 108,000.00 ZZ
360 108,000.00 1
4716 ENNISMORE 9.500 908.12 80
9.250 908.12 135,000.00
INDEPENDENCE TW MI 48348 5 01/14/00 00
0411753015 05 03/01/00 0
0411753015 N 02/01/30
0
3150137 K08/G02 F 146,200.00 ZZ
360 146,200.00 1
99 HAZLET AVENUE 8.625 1,137.13 90
8.375 1,137.13 162,500.00
HAZLET NJ 07730 1 01/14/00 10
0411767023 05 03/01/00 25
0411767023 N 02/01/30
0
3150138 K08/G02 F 80,000.00 ZZ
360 80,000.00 1
4114 NE MOON RIVER CIRCLE 8.875 636.52 48
8.625 636.52 169,900.00
JENSEN BEACH FL 34957 5 01/10/00 00
0411768807 09 03/01/00 0
0411768807 O 02/01/30
0
1
3150139 K08/G02 F 31,500.00 ZZ
360 31,500.00 2
1505 W 109TH PLACE 9.375 262.00 90
9.125 262.00 35,000.00
CHICAGO IL 60643 1 01/14/00 04
0411770225 05 03/01/00 25
0411770225 N 02/01/30
0
3150140 K08/G02 F 32,800.00 ZZ
360 32,800.00 1
15927 STILLWOOD STREET 9.500 275.80 80
BLDG D UNIT #1093 9.250 275.80 41,000.00
DALLAS TX 75248 1 01/14/00 00
0411772023 01 03/01/00 0
0411772023 N 02/01/30
0
3150141 K08/G02 F 102,400.00 ZZ
360 102,400.00 1
38 LINDEN AVENUE 8.500 787.37 80
8.250 787.37 128,000.00
ASHEVILLE NC 28801 1 01/14/00 00
0411773260 05 03/01/00 0
0411773260 O 02/01/30
0
3150142 K08/G02 F 196,000.00 ZZ
360 196,000.00 1
4691 NORTH VERSAILLES AVENUE 9.000 1,577.06 80
8.750 1,577.06 245,000.00
HIGHLAND PARK TX 75205 1 01/14/00 00
0411773476 05 03/01/00 0
0411773476 N 02/01/30
0
3150143 K08/G02 F 196,000.00 ZZ
360 196,000.00 1
18033 SW 26 COURT 9.000 1,577.06 80
8.750 1,577.06 245,000.00
MIRAMAR FL 33029 5 01/10/00 00
0411774250 03 03/01/00 0
0411774250 O 02/01/30
0
3150144 K08/G02 F 129,500.00 ZZ
360 129,500.00 2
1
2320-2322 AXIS COURT 8.875 1,030.36 80
8.625 1,030.36 161,900.00
COLLEGE STATION TX 77845 1 01/14/00 00
0411774771 05 03/01/00 0
0411774771 O 02/01/30
0
3150147 K08/G02 F 81,000.00 ZZ
360 81,000.00 1
10404 ABBOTTFORD WAY 9.875 703.36 90
9.625 703.36 90,000.00
RANCHO CORDOVA CA 95670 1 01/07/00 04
0411777899 05 03/01/00 25
0411777899 N 02/01/30
0
3150148 K08/G02 F 372,000.00 ZZ
360 372,000.00 1
3900 BOWSER AVENUE 8.750 2,926.53 80
8.500 2,926.53 465,000.00
DALLAS TX 75219 1 01/14/00 00
0411779481 05 03/01/00 0
0411779481 O 02/01/30
0
3150149 K08/G02 F 203,200.00 ZZ
360 203,200.00 1
6390 SW 144 STREET 8.500 1,562.43 80
8.250 1,562.43 254,000.00
MIAMI FL 33158 1 01/14/00 00
0411780133 05 03/01/00 0
0411780133 O 02/01/30
0
3150150 K08/G02 F 277,200.00 ZZ
360 277,200.00 1
96 WINEMACK STREET 9.875 2,407.06 80
9.625 2,407.06 346,500.00
OAK BLUFFS MA 02557 1 01/14/00 00
0411780273 05 03/01/00 0
0411780273 N 02/01/30
0
3150151 K08/G02 F 66,400.00 ZZ
360 66,400.00 1
11604 IDLEWOOD ROAD 9.250 546.26 80
9.000 546.26 83,000.00
SILVER SPRING MD 20906 1 01/14/00 00
0411780737 05 03/01/00 0
1
0411780737 N 02/01/30
0
3150153 K08/G02 F 210,750.00 ZZ
360 210,750.00 1
13700 NORRIS AVENUE (SYLMAR AR 9.000 1,695.74 80
8.750 1,695.74 263,497.00
LOS ANGELES CA 91342 1 01/12/00 00
0411788730 05 03/01/00 0
0411788730 O 02/01/30
0
3150154 K08/G02 F 175,500.00 ZZ
360 175,500.00 1
436 E 2ND STREET 9.750 1,507.82 90
9.500 1,507.82 195,000.00
OCEAN ISLE BEAC NC 28469 1 01/14/00 04
0411790231 05 03/01/00 25
0411790231 N 02/01/30
0
3150287 E82/G02 F 79,000.00 ZZ
360 79,000.00 1
312 CHIEFTAIN DRIVE 8.875 628.56 69
8.625 628.56 116,000.00
LOISVILLE KY 40118 5 01/14/00 00
0400249215 05 03/01/00 0
0400249215 O 02/01/30
0
3150532 E86/G02 F 112,500.00 ZZ
360 112,500.00 3
74 MONTGOMERY AVENUE 9.750 966.55 90
9.500 966.55 125,000.00
STATEN ISLAND NY 10301 1 01/12/00 14
0431792951 05 03/01/00 25
50795 O 02/01/30
0
3151011 B35/G02 F 79,700.00 ZZ
360 79,655.32 1
18 VISTA DRIVE 8.875 634.13 71
8.625 634.13 113,000.00
SCOTIA NY 12302 5 12/27/99 00
0431796168 05 02/01/00 0
99004174 O 01/01/30
0
1
3151158 J86/G02 F 450,000.00 ZZ
360 450,000.00 1
4824 EAST HUMMINGBIRD LANE 8.625 3,500.05 55
8.375 3,500.05 820,000.00
PARADISE VALLEY AZ 85253 5 01/12/00 00
0431790187 05 03/01/00 0
0151230 O 02/01/30
0
3151915 664/G02 F 102,900.00 ZZ
360 102,848.03 1
100 73RD STREET UNIT 202A 9.375 855.88 69
9.125 855.88 150,000.00
HOLMES BEACH FL 34217 1 12/30/99 00
0431791359 01 02/01/00 0
0003271038 N 01/01/30
0
3151975 R55/G02 F 85,550.00 ZZ
360 85,550.00 1
312 S HARDY DR 9.750 735.01 80
9.500 735.01 106,985.00
TEMPE AZ 85281 1 01/14/00 00
0431786623 05 03/01/00 0
200170 N 02/01/30
0
3152398 G41/G02 F 92,000.00 ZZ
360 91,953.54 1
179 PEREGRINE DRIVE 9.375 765.21 80
9.125 765.21 115,000.00
VOORHEES NJ 08043 1 12/30/99 00
0431783737 05 02/01/00 0
64001008 O 01/01/30
0
3153643 K08/G02 F 28,000.00 ZZ
360 28,000.00 1
508 WEST ARGYLE 9.750 240.56 80
9.500 240.56 35,000.00
HAGERMAN NM 88232 1 01/14/00 00
0411688674 05 03/01/00 0
0411688674 N 02/01/30
0
3153644 K08/G02 F 40,000.00 ZZ
360 40,000.00 1
205 S. CAMBRIDGE 9.750 343.66 80
9.500 343.66 50,000.00
1
HAGERMAN NM 88232 1 01/07/00 00
0411688708 05 03/01/00 0
0411688708 N 02/01/30
0
3153645 K08/G02 F 33,600.00 ZZ
360 33,600.00 1
300 SOUTH MANCHESTER AVENUE 9.750 288.68 80
9.500 288.68 42,000.00
HAGERMAN NM 88232 1 01/14/00 00
0411688716 05 03/01/00 0
0411688716 N 02/01/30
0
3153646 K08/G02 F 177,000.00 ZZ
360 177,000.00 1
372 SOUTH MARENGO UNIT#101 8.750 1,392.46 74
8.500 1,392.46 240,000.00
PASADENA CA 91101 5 01/05/00 00
0411713324 01 03/01/00 0
0411713324 O 02/01/30
0
3153651 K08/G02 F 42,400.00 ZZ
360 42,400.00 2
2640-42 HELENA STREET 9.250 348.81 80
9.000 348.81 53,000.00
KENNER LA 70062 1 01/18/00 00
0411754559 05 03/01/00 0
0411754559 N 02/01/30
0
3153653 K08/G02 F 150,100.00 ZZ
360 150,100.00 1
405 PARK AVE. 9.750 1,289.59 95
9.500 1,289.59 158,000.00
BAY CITY MI 48708 5 01/12/00 10
0411756471 05 03/01/00 30
0411756471 O 02/01/30
0
3153656 K08/G02 F 55,800.00 ZZ
360 55,800.00 1
26803 AVENUE 18 8.625 434.01 90
8.375 434.01 62,000.00
MADERA CA 93638 1 01/10/00 01
0411766397 05 03/01/00 25
0411766397 N 02/01/30
0
1
3153660 K08/G02 F 141,500.00 ZZ
360 141,500.00 1
430 NEWTON STREET 9.500 1,189.81 73
9.250 1,189.81 195,000.00
WESTBURY NY 11590 2 01/11/00 00
0411770878 05 03/01/00 0
0411770878 O 02/01/30
0
3153667 K08/G02 F 100,000.00 ZZ
360 100,000.00 1
1390 NW 185TH TERRACE 8.625 777.79 60
8.375 777.79 167,500.00
PEMBROKE PINES FL 33029 1 01/18/00 00
0411784713 03 03/01/00 0
0411784713 O 02/01/30
0
3153668 K08/G02 F 57,500.00 ZZ
360 57,500.00 1
5933 N. ASBURY 9.500 483.49 90
9.250 483.49 63,900.00
WARR ACRES OK 73122 1 01/18/00 04
0411786296 05 03/01/00 25
0411786296 N 02/01/30
0
3153669 K08/G02 F 221,150.00 ZZ
360 221,150.00 1
4711 AVENUE H 8.875 1,759.57 80
8.625 1,759.57 276,450.00
AUSTIN TX 78751 1 01/18/00 00
0411793276 05 03/01/00 0
0411793276 O 02/01/30
0
3153740 696/G02 F 143,600.00 ZZ
360 143,600.00 1
7207 HIDDEN RIDGE COURT 8.750 1,129.70 80
8.500 1,129.70 179,500.00
SPRINGFIELD VA 22152 1 01/18/00 00
0431789486 03 03/01/00 0
22700003 O 02/01/30
0
3153971 K08/G02 F 300,000.00 ZZ
360 300,000.00 1
1
18417 LANIER ISLAND SQUARE 9.625 2,549.97 87
9.375 2,549.97 346,030.00
LEESBURG VA 20176 1 01/18/00 01
0411754435 09 03/01/00 25
0411754435 O 02/01/30
0
3154533 737/G02 F 32,500.00 ZZ
360 32,500.00 2
2253 SECOND AVENUE 9.625 276.25 59
9.375 276.25 56,000.00
DECATUR GA 30032 1 01/12/00 00
0431800879 05 03/01/00 0
955996 N 02/01/30
0
3155338 369/G02 F 86,400.00 ZZ
360 86,347.65 1
1732 W. ANGEL FIRE TERRACE 8.500 664.35 80
8.250 664.35 108,000.00
PHOENIX AZ 85027 1 12/01/99 00
0431800275 05 02/01/00 0
0071776488 O 01/01/30
0
3156504 K08/G02 F 118,800.00 ZZ
360 118,800.00 2
3702 N. KIMBAL 9.750 1,020.68 90
9.500 1,020.68 132,000.00
CHICAGO IL 60618 1 01/19/00 10
0411750789 05 03/01/00 25
0411750789 N 02/01/30
0
3156507 K08/G02 F 165,750.00 ZZ
360 165,750.00 1
19482 EAST EVANS DRIVE 8.500 1,274.47 85
8.250 1,274.47 195,000.00
AURORA CO 80013 5 01/07/00 11
0411761463 03 03/01/00 25
0411761463 O 02/01/30
0
3156509 K08/G02 F 61,600.00 ZZ
360 61,600.00 1
3949 CADIEUX 9.625 523.59 70
9.375 523.59 88,000.00
DETROIT MI 48224 5 01/20/00 00
0411764640 05 03/01/00 0
1
0411764640 N 02/01/30
0
3156510 K08/G02 F 112,000.00 ZZ
360 112,000.00 1
1169 LAKE NEPESSING 9.375 931.56 80
9.125 931.56 140,000.00
LAPEER MI 48446 5 01/13/00 00
0411773567 05 03/01/00 0
0411773567 O 02/01/30
0
3156512 K08/G02 F 87,200.00 ZZ
360 87,200.00 1
17485 SMOKEY RIVER DRIVE 9.125 709.49 90
8.875 709.49 96,900.00
SONORA CA 95370 1 01/12/00 01
0411775281 05 03/01/00 25
0411775281 O 02/01/30
0
3156513 K08/G02 F 111,600.00 ZZ
360 111,600.00 4
24 FARRINGTON STREET 9.750 958.82 90
9.500 958.82 124,000.00
BROCKTON MA 02301 1 01/19/00 04
0411775679 05 03/01/00 25
0411775679 N 02/01/30
0
3156514 K08/G02 F 88,000.00 T
360 88,000.00 1
2061 DREAMERS LANE 9.375 731.94 80
9.125 731.94 110,000.00
LEWISTON MI 49756 1 01/19/00 00
0411778095 05 03/01/00 0
0411778095 O 02/01/30
0
3156516 K08/G02 F 212,000.00 ZZ
360 212,000.00 1
283 NORTH 400 EAST 9.000 1,705.80 80
8.750 1,705.80 265,000.00
SALEM UT 84653 4 01/18/00 00
0411782451 05 03/01/00 0
0411782451 O 02/01/30
0
1
3156517 K08/G02 F 132,000.00 T
360 132,000.00 1
103 PARQUE COVE 9.000 1,062.10 80
8.750 1,062.10 165,000.00
GEORGETOWN TX 78626 1 01/18/00 00
0411785447 03 03/01/00 0
0411785447 O 02/01/30
0
3157543 601/G02 F 88,000.00 ZZ
360 88,000.00 1
76811 MARTIN CREEK RD 8.500 676.65 80
8.250 676.65 110,000.00
COTTAGE GROVE OR 97424 5 01/03/00 00
0431804939 05 03/01/00 0
60149382 O 02/01/30
0
3158099 950/G02 F 145,800.00 ZZ
360 145,800.00 1
823 NORTHEAST 188TH STREET 8.875 1,160.05 90
8.625 1,160.05 162,000.00
SHORELINE WA 98155 1 01/12/00 11
0431797539 05 03/01/00 25
104991223056 O 02/01/30
0
3158330 134/G02 F 45,450.00 ZZ
360 45,427.64 1
1415 GRAND JUNCTION 9.500 382.17 70
9.250 382.17 65,000.00
KATY TX 77450 5 01/05/00 00
0431793066 03 02/01/00 0
9322207 N 01/01/30
0
3158364 F18/G02 F 141,600.00 ZZ
360 141,600.00 1
267 BONITA AVENUE 8.750 1,113.97 80
8.500 1,113.97 177,000.00
SAN JOSE CA 95116 5 01/11/00 00
0431799162 05 03/01/00 0
R02394 O 02/01/30
0
3158463 F28/G02 F 584,000.00 ZZ
360 581,486.63 1
908 KENTER WY 7.750 4,183.85 80
7.500 4,183.85 730,000.00
1
LOS ANGELES CA 90049 1 07/22/99 00
0431828045 05 09/01/99 0
4956144 O 08/01/29
0
3158472 F28/G02 F 300,000.00 ZZ
360 299,422.14 1
1125 BURGOYNE STREET 8.250 2,253.80 80
8.000 2,253.80 375,000.00
MOUNTAIN VIEW CA 94043 1 10/21/99 00
0431828136 05 12/01/99 0
5175553 N 11/01/29
0
3159018 637/G02 F 87,300.00 ZZ
360 87,300.00 3
246 NW 14TH STREET 9.875 758.07 90
9.625 758.07 97,000.00
POMPANO BEACH FL 33060 1 01/05/00 04
0431796606 05 03/01/00 25
0019057280 N 02/01/30
0
3159549 K08/G02 F 28,000.00 ZZ
360 28,000.00 1
9208 DECATUR 10.000 245.72 80
9.750 245.72 35,000.00
DETROIT MI 48228 1 01/20/00 00
0411731854 05 03/01/00 0
0411731854 N 02/01/30
0
3159553 K08/G02 F 109,800.00 ZZ
360 109,800.00 2
4412-14 WEST METAIRIE AVE 9.500 923.26 90
9.250 923.26 122,000.00
METAIRIE LA 70001 1 01/20/00 01
0411751555 05 03/01/00 25
0411751555 N 02/01/30
0
3159555 K08/G02 F 84,000.00 ZZ
360 84,000.00 1
5983 HAZEL WAY 8.875 668.34 80
8.625 668.34 105,000.00
PARADISE CA 95969 1 01/04/00 00
0411754617 05 03/01/00 0
0411754617 O 02/01/30
0
1
3159556 K08/G02 F 73,600.00 ZZ
360 73,600.00 1
302 HILL STREET 8.875 585.59 90
8.625 585.59 81,800.00
GLEN ROSE TX 76043 1 01/19/00 10
0411758543 05 03/01/00 25
0411758543 N 02/01/30
0
3159559 K08/G02 F 104,000.00 ZZ
360 104,000.00 2
384 VALLEY ROAD 9.375 865.02 80
9.125 865.02 130,000.00
WEST ORANGE NJ 07052 2 01/14/00 00
0411762420 05 03/01/00 0
0411762420 O 02/01/30
0
3159560 K08/G02 F 270,000.00 ZZ
360 270,000.00 1
50 INDIAN FIELD ROAD 9.500 2,270.31 63
9.250 2,270.31 430,000.00
GREENWICH CT 06830 5 01/14/00 00
0411763394 05 03/01/00 0
0411763394 O 02/01/30
0
3159563 K08/G02 F 27,950.00 ZZ
360 27,950.00 1
1012 IDAHO 9.625 237.58 65
9.375 237.58 43,000.00
TOLEDO OH 43605 5 01/20/00 00
0411769219 05 03/01/00 0
0411769219 N 02/01/30
0
3159564 K08/G02 F 341,500.00 ZZ
360 341,500.00 1
622 43RD AVENUE 8.375 2,595.65 78
8.125 2,595.65 441,500.00
SAN FRANCISCO CA 94121 1 01/14/00 00
0411772585 05 03/01/00 0
0411772585 O 02/01/30
0
3159567 K08/G02 F 152,000.00 ZZ
360 152,000.00 2
1
7029 S MAY 9.750 1,305.91 95
9.500 1,305.91 160,000.00
CHICAGO IL 60621 1 01/20/00 04
0411775349 05 03/01/00 30
0411775349 O 02/01/30
0
3159568 K08/G02 F 104,000.00 ZZ
360 104,000.00 1
4574 OSCEOLA STREET 9.375 865.02 80
9.125 865.02 130,000.00
DENVER CO 80212 1 01/20/00 00
0411779655 05 03/01/00 0
0411779655 N 02/01/30
0
3159569 K08/G02 F 124,000.00 ZZ
360 124,000.00 1
670 WEST 10TH AVENUE 8.875 986.60 80
8.625 986.60 155,000.00
EUGENE OR 97401 5 01/11/00 00
0411781495 05 03/01/00 0
0411781495 N 02/01/30
0
3159570 K08/G02 F 75,000.00 ZZ
360 75,000.00 1
17206 PENNINGTON 9.375 623.81 75
9.125 623.81 100,000.00
DETROIT MI 48221 5 01/20/00 00
0411782923 05 03/01/00 0
0411782923 N 02/01/30
0
3159571 K08/G02 F 72,250.00 ZZ
360 72,250.00 1
12015 HAWTHORNE LANE 8.875 574.85 85
8.625 574.85 85,000.00
OKLAHOMA CITY OK 73162 5 01/14/00 04
0411784143 09 03/01/00 12
0411784143 O 02/01/30
0
3159572 K08/G02 F 77,600.00 ZZ
360 77,600.00 1
1805 SOUTHWESTERN TRAIL 9.250 638.40 80
9.000 638.40 97,000.00
ROUND ROCK TX 78664 1 01/18/00 00
0411785389 03 03/01/00 0
1
0411785389 N 02/01/30
0
3159573 K08/G02 F 248,000.00 T
360 248,000.00 1
1461 DAVID DRIVE 8.875 1,973.20 80
8.625 1,973.20 310,000.00
ESTES PARK CO 80517 1 01/14/00 00
0411787229 05 03/01/00 0
0411787229 O 02/01/30
0
3159673 E82/G02 F 66,150.00 ZZ
360 66,150.00 1
16C MAYBERRY DRIVE UNIT #16C3 9.625 562.27 90
9.375 562.27 73,500.00
WESTBOROUGH MA 01581 1 01/21/00 04
0400245825 01 03/01/00 25
0400245825 O 02/01/30
0
3160449 J83/G02 F 109,250.00 ZZ
360 109,185.49 1
659 CARRIGER ROAD 8.625 849.74 54
8.375 849.74 205,000.00
HAZEL GREEN AL 35750 2 12/22/99 00
0431798685 05 02/01/00 0
266716 O 01/01/30
0
3160895 944/G02 F 50,400.00 ZZ
360 50,400.00 2
3355 3357 E TERRACE AVENUE 9.625 428.39 90
9.375 428.39 56,000.00
FRENSO CA 93703 1 01/07/00 01
0431815885 05 03/01/00 25
9912002031607 N 02/01/30
0
3160900 163/G02 F 150,000.00 ZZ
360 150,000.00 1
2881 JUNIPER AVENUE 9.000 1,206.93 38
8.750 1,206.93 395,000.00
MORRO BAY CA 93442 5 01/04/00 00
0431799378 05 03/01/00 0
717241615 O 02/01/30
0
1
3162590 K08/G02 F 96,000.00 ZZ
360 96,000.00 4
46 MAPLE AVENUE 9.750 824.79 80
9.500 824.79 120,000.00
BARRE VT 05641 2 01/21/00 00
0411691041 05 03/01/00 0
0411691041 N 02/01/30
0
3162599 K08/G02 F 78,000.00 ZZ
360 78,000.00 3
826-828-830 ASTOR DRIVE 9.375 648.76 80
9.125 648.76 97,500.00
STOCKTON CA 95210 1 01/07/00 00
0411757156 05 03/01/00 0
0411757156 N 02/01/30
0
3162606 K08/G02 F 104,000.00 ZZ
360 104,000.00 1
1102 NORTHMOOR DRIVE 8.875 827.47 79
8.625 827.47 132,000.00
BROOMFIELD CO 80020 2 01/13/00 00
0411774615 01 03/01/00 0
0411774615 O 02/01/30
0
3162607 K08/G02 F 100,800.00 ZZ
360 100,800.00 1
8506 AVENUE C 9.375 838.40 80
9.125 838.40 126,000.00
SANTA FE TX 77510 5 01/17/00 00
0411776636 05 03/01/00 0
0411776636 O 02/01/30
0
3162610 K08/G02 F 100,000.00 ZZ
360 100,000.00 1
2216 PAUL AVENUE NORTH WEST 9.000 804.62 80
8.750 804.62 125,000.00
ATLANTA GA 30318 1 01/21/00 00
0411779093 05 03/01/00 0
0411779093 N 02/01/30
0
3162611 K08/G02 F 78,300.00 ZZ
360 78,300.00 1
8927 LIPTONSHIRE DRIVE 9.375 651.26 90
9.125 651.26 87,000.00
1
DALLAS TX 75218 1 01/13/00 01
0411780711 05 03/01/00 25
0411780711 N 02/01/30
0
3162619 K08/G02 F 30,950.00 ZZ
360 30,950.00 1
2612 W MT VERNON 9.375 257.43 90
9.125 257.43 34,400.00
SPRINGFIELD MO 65802 1 01/21/00 01
0411788946 05 03/01/00 25
0411788946 N 02/01/30
0
3162620 K08/G02 F 60,000.00 ZZ
360 60,000.00 1
1823 WILLIAM PLACE 9.125 488.18 80
8.875 488.18 75,000.00
ATLANTA GA 30318 1 01/21/00 00
0411790686 05 03/01/00 0
0411790686 N 02/01/30
0
3162621 K08/G02 F 110,700.00 ZZ
360 110,700.00 3
931-935 MARKET STREET 9.625 940.94 90
9.375 940.94 123,000.00
WEST PALM BEACH FL 33401 1 01/21/00 01
0411791718 05 03/01/00 25
0411791718 N 02/01/30
0
3162746 E82/G02 F 70,000.00 ZZ
360 70,000.00 1
ROAD #2 861 A 9.375 582.22 80
9.125 582.22 87,500.00
KARNS CITY PA 16041 5 01/20/00 00
0400245726 27 03/01/00 0
0400245726 O 02/01/30
0
3162749 E82/G02 F 37,800.00 ZZ
360 37,800.00 2
40-42 WAVERLY STREET 9.625 321.30 90
9.375 321.30 42,000.00
COLUMBUS OH 43213 1 01/21/00 04
0400249074 05 03/01/00 25
0400249074 N 02/01/30
0
1
3166669 K08/G02 F 225,000.00 ZZ
360 225,000.00 3
78 MAIN STREET 9.125 1,830.67 87
8.875 1,830.67 260,000.00
EAST BRUNSWICK NJ 08816 5 01/19/00 04
0411670722 05 03/01/00 25
0411670722 O 02/01/30
0
3166671 K08/G02 F 228,000.00 ZZ
360 228,000.00 1
8072 ELGIN LANE 8.375 1,732.96 80
8.125 1,732.96 285,000.00
DUBLIN CA 94568 5 01/14/00 00
0411710650 05 03/01/00 0
0411710650 O 02/01/30
0
3166678 K08/G02 F 232,500.00 ZZ
360 232,500.00 1
5530 WILLOW LANE 9.250 1,912.72 77
9.000 1,912.72 305,000.00
DALLAS TX 75230 5 01/18/00 00
0411774854 05 03/01/00 0
0411774854 O 02/01/30
0
3166683 K08/G02 F 36,000.00 ZZ
360 36,000.00 2
575 SOUTH CLINTON AVENUE 9.500 302.71 90
9.250 302.71 40,000.00
TRENTON NJ 08611 1 01/21/00 01
0411782543 05 03/01/00 25
0411782543 N 02/01/30
0
3166692 K08/G02 F 150,000.00 ZZ
360 150,000.00 1
3 CRABAPPLE CT 9.375 1,247.62 90
9.125 1,247.62 167,550.00
OLIVETTE MO 63132 5 01/19/00 04
0411792146 05 03/01/00 25
0411792146 O 02/01/30
0
3167796 957/G02 F 114,400.00 ZZ
360 114,400.00 2
1
15816-15818 EL ESTADO DRIVE 9.250 941.15 80
9.000 941.15 143,000.00
DALLAS TX 75248 1 01/18/00 00
0431802396 05 03/01/00 0
0390493 N 02/01/30
0
3168054 940/G02 F 60,300.00 ZZ
360 60,300.00 3
16177 & 16181 & 16185 9.875 523.62 90
JUNIPER STREET 9.625 523.62 67,000.00
HESPERIA CA 92345 1 01/11/00 10
0431806413 05 03/01/00 25
VC1075 N 02/01/30
0
3168079 F42/G02 F 121,600.00 ZZ
360 121,531.83 1
11915 DESMAR CT 8.875 967.50 80
8.625 967.50 152,000.00
ORLANDO FL 32821 1 12/14/99 00
0431817303 03 02/01/00 0
99AH0520 O 01/01/30
0
3168252 B57/G02 F 74,300.00 ZZ
360 74,300.00 1
3513 DE SOUZA PLACE 9.500 624.76 90
9.250 624.76 82,560.00
BAKERSFIELD CA 93309 1 01/05/00 10
0431808260 05 03/01/00 25
9914713 N 02/01/30
0
3169903 K08/G02 F 132,200.00 ZZ
360 132,200.00 1
12347 NW 54 COURT 8.875 1,051.84 80
8.625 1,051.84 165,300.00
CORAL SPRINGS FL 33076 1 01/25/00 00
0411616048 03 03/01/00 0
0411616048 O 02/01/30
0
3169905 K08/G02 F 146,250.00 ZZ
360 146,250.00 2
33 OXFORD STREET 9.625 1,243.11 90
9.375 1,243.11 162,500.00
NORWALK CT 06854 1 01/25/00 10
0411757057 05 03/01/00 25
1
0411757057 N 02/01/30
0
3169909 K08/G02 F 251,750.00 ZZ
360 251,750.00 4
8700 SCHICK ROAD 8.750 1,980.52 95
8.500 1,980.52 265,000.00
AUSTIN TX 78729 1 01/25/00 04
0411783251 05 03/01/00 30
0411783251 O 02/01/30
0
3169910 K08/G02 F 106,200.00 ZZ
360 106,200.00 4
409 EISENHOWER AVE. A,B,C&D 9.750 912.42 90
9.500 912.42 118,000.00
METAIRIE LA 70003 1 01/25/00 04
0411786189 05 03/01/00 25
0411786189 N 02/01/30
0
3169911 K08/G02 F 106,200.00 ZZ
360 106,200.00 4
521 EISENHOWER AVE. A,B,C,D 9.750 912.42 90
9.500 912.42 118,000.00
METAIRIE LA 70003 1 01/25/00 01
0411786262 05 03/01/00 25
0411786262 N 02/01/30
0
3169912 K08/G02 F 106,200.00 ZZ
360 106,200.00 4
401 EISENHOWER AVENUE UNIT A-D 9.750 912.42 90
9.500 912.42 118,000.00
METAIRIE LA 70003 1 01/25/00 01
0411786338 05 03/01/00 25
0411786338 N 02/01/30
0
3169913 K08/G02 F 106,200.00 ZZ
360 106,200.00 4
413 EISENHOWER AVE. A,B,C,D 9.750 912.42 90
9.500 912.42 118,000.00
METAIRIE LA 70003 1 01/25/00 04
0411786379 05 03/01/00 25
0411786379 N 02/01/30
0
1
3169916 K08/G02 F 159,300.00 ZZ
360 159,300.00 1
3747 WOODBINE ROAD 8.875 1,267.46 90
8.625 1,267.46 177,000.00
SOUTH LAKE TAHO CA 96150 1 01/21/00 04
0411792419 05 03/01/00 25
0411792419 O 02/01/30
0
3170038 E82/G02 F 96,000.00 ZZ
360 96,000.00 3
47-49 EMMET STREET 9.250 789.77 66
9.000 789.77 146,000.00
LAWRENCE MA 01843 5 01/24/00 00
0400249728 05 03/01/00 0
0400249728 N 02/01/30
0
3170040 E82/G02 F 125,700.00 ZZ
360 125,700.00 1
647 REYNOLDS DRIVE 8.875 1,000.13 90
8.625 1,000.13 139,700.00
CHARLOTTE NC 28209 1 01/27/00 04
0400251310 05 03/01/00 25
0400251310 O 02/01/30
0
3171351 765/G02 F 168,000.00 ZZ
360 168,000.00 1
25256 PARKCREST DRIVE 8.625 1,306.69 80
8.375 1,306.69 210,000.00
MURRIETA CA 92562 5 01/06/00 00
0431806827 03 03/01/00 0
350649 O 02/01/30
0
3171471 E86/G02 F 262,550.00 ZZ
360 262,550.00 1
26 MEADOWBROOK DRIVE 9.125 2,136.19 89
8.875 2,136.19 295,000.00
HUNTINGTON STAT NY 11746 1 01/26/00 14
0431821230 05 03/01/00 25
56141 O 02/01/30
0
3172619 K08/G02 F 328,500.00 ZZ
360 328,315.84 1
4240 NE 23RD AVENUE 8.875 2,613.69 90
8.625 2,613.69 365,000.00
1
LIGHTHOUSE POIN FL 33064 1 01/07/00 01
0411730922 05 02/01/00 25
0411730922 O 01/01/30
0
3172620 K08/G02 F 104,500.00 ZZ
360 104,500.00 3
602 ALLEN STREET 10.000 917.06 95
9.750 917.06 110,000.00
AUSTIN TX 78702 1 01/26/00 04
0411749203 05 03/01/00 30
0411749203 O 02/01/30
0
3172622 K08/G02 F 233,750.00 ZZ
360 233,750.00 1
23335 WESTWOOD STREET 8.875 1,859.82 85
8.625 1,859.82 275,000.00
GRAND TERRACE CA 92313 2 01/13/00 04
0411752231 05 03/01/00 12
0411752231 O 02/01/30
0
3172634 K08/G02 F 144,000.00 ZZ
360 144,000.00 4
5039 YALE STREET 9.750 1,237.18 90
9.500 1,237.18 160,000.00
METAIRIE LA 70006 1 01/26/00 04
0411780943 05 03/01/00 25
0411780943 N 02/01/30
0
3172637 K08/G02 F 180,000.00 ZZ
360 180,000.00 1
1315 MARION STREET 9.750 1,546.48 90
9.500 1,546.48 200,000.00
DENVER CO 80218 1 01/26/00 01
0411790108 05 03/01/00 25
0411790108 N 02/01/30
0
3172641 K08/G02 F 105,050.00 ZZ
360 105,050.00 1
2303 HOPE VALLEY 9.500 883.32 90
9.250 883.32 116,767.00
CHARLOTTE NC 28215 1 01/26/00 10
0411796642 05 03/01/00 25
0411796642 N 02/01/30
0
1
3172642 K08/G02 F 51,750.00 ZZ
360 51,750.00 1
166 WEST MILTON 9.750 444.62 90
9.500 444.62 57,500.00
HAZEL PARK MI 48030 1 01/26/00 04
0411798853 05 03/01/00 25
0411798853 N 02/01/30
0
3172674 696/G02 F 148,500.00 ZZ
360 148,500.00 1
2234 KAREN TERRACE 9.750 1,275.84 75
9.500 1,275.84 198,000.00
FREDERICKSBURG VA 22405 2 01/18/00 00
0431805456 05 03/01/00 0
22399184 O 02/01/30
0
3172818 E82/G02 F 135,000.00 ZZ
360 135,000.00 1
784 LANGE ROAD 8.625 1,050.02 70
8.375 1,050.02 195,000.00
BELLINGHAM WA 98226 5 01/26/00 00
0400252037 05 03/01/00 0
0040252037 O 02/01/30
0
3173873 F42/G02 F 59,000.00 ZZ
360 59,000.00 1
8550 SW 149TH AVE #704 8.875 469.43 87
8.625 469.43 68,000.00
MIAMI FL 33193 2 01/21/00 04
0431818301 01 03/01/00 25
99LA0186 N 02/01/30
0
3175428 K08/G02 F 74,200.00 ZZ
360 74,200.00 1
543 S OPDYKE 9.750 637.49 70
9.500 637.49 106,000.00
AUBURN HILLS MI 48326 5 01/27/00 00
0411762172 05 03/01/00 0
0411762172 N 02/01/30
0
3175432 K08/G02 F 160,000.00 ZZ
360 160,000.00 1
1
114 WHITEHAVEN LANE 9.250 1,316.28 90
9.000 1,316.28 178,000.00
APEX NC 27502 5 01/20/00 04
0411778772 05 03/01/00 25
0411778772 O 02/01/30
0
3175434 K08/G02 F 35,700.00 ZZ
360 35,700.00 1
422 SOUTH JACKSON STREET 9.375 296.93 90
9.125 296.93 39,700.00
WILMINGTON DE 19805 1 01/27/00 04
0411783889 05 03/01/00 25
0411783889 N 02/01/30
0
3175436 K08/G02 F 50,000.00 ZZ
360 50,000.00 1
812 SPRING STREET 8.875 397.82 80
8.625 397.82 62,500.00
PLACERVILLE CA 95667 1 01/19/00 00
0411788045 05 03/01/00 0
0411788045 N 02/01/30
0
3176315 623/G02 F 75,000.00 T
360 74,952.18 1
6187 NORTH DOLORES AVENUE 8.250 563.45 43
8.000 563.45 175,000.00
FRESNO CA 93711 5 12/14/99 00
0431810803 05 02/01/00 0
6325094 O 01/01/30
0
3176318 623/G02 F 117,150.00 T
360 117,084.32 1
722 PEACH CORAL STREET 8.875 932.10 80
8.625 932.10 146,490.00
LAS VEGAS NV 89123 1 12/08/99 00
0431811082 03 02/01/00 0
1309659 O 01/01/30
0
3176322 623/G02 F 449,500.00 ZZ
360 449,234.61 2
602 SOUTH VAN NESS AVE 8.625 3,496.17 75
8.375 3,496.17 600,000.00
LOS ANGELES CA 90005 5 12/16/99 00
0431815679 05 02/01/00 0
1
6227587 O 01/01/30
0
3176323 623/G02 F 208,000.00 ZZ
360 207,867.36 4
12712 RAMONA AVENUE #ABCD 8.250 1,562.64 71
8.000 1,562.64 295,000.00
HAWTHORNE CA 90250 5 12/14/99 00
0431816172 05 02/01/00 0
6227223 O 01/01/30
0
3176324 623/G02 F 88,000.00 ZZ
360 87,908.39 2
2162 WEST 28TH STREET 9.250 723.96 80
9.000 723.96 110,000.00
LOS ANGELES CA 90018 1 11/29/99 00
0431810951 05 01/01/00 0
6227218 N 12/01/29
0
3176325 623/G02 F 171,920.00 ZZ
360 171,826.09 4
6930 INTERURBAN AVENUE SW 9.000 1,383.31 80
8.750 1,383.31 214,900.00
GRAND RAPIDS MI 49548 1 12/30/99 00
0431814110 05 02/01/00 0
5233531 N 01/01/30
0
3176326 623/G02 F 42,800.00 ZZ
360 42,325.12 1
5932 SOUTH LIBERTY AVENUE 9.250 352.11 58
9.000 352.11 75,000.00
TUCSON AZ 85706 5 12/20/99 00
0431817873 05 02/01/00 0
5232522 N 01/01/30
0
3176328 623/G02 F 168,000.00 ZZ
360 167,917.36 1
725 S CHESTER AVENUE 9.500 1,412.64 60
9.250 1,412.64 280,000.00
PARK RIDGE IL 60068 1 12/30/99 00
0431816008 05 02/01/00 0
5231925 N 01/01/30
0
1
3176334 623/G02 F 67,000.00 T
360 64,890.97 1
1312 KIBBEY DRIVE 9.375 557.28 53
9.125 557.28 127,000.00
LAKE HAVASU CIT AZ 86404 1 11/23/99 00
0431815778 05 01/01/00 0
5229237 O 12/01/29
0
3176339 623/G02 F 56,000.00 ZZ
360 55,966.94 1
4311 DRAKE CT 8.625 435.56 80
8.375 435.56 70,000.00
WALDORF MD 20603 1 01/05/00 00
0431810654 03 02/01/00 0
5228129 N 01/01/30
0
3176342 623/G02 F 320,000.00 ZZ
360 319,806.15 1
9213 KENSINGTON PARKWAY 8.500 2,460.52 80
8.250 2,460.52 400,000.00
CHEVY CHASE MD 20815 5 12/17/99 00
0431810795 05 02/01/00 0
5227993 O 01/01/30
0
3176344 623/G02 F 97,500.00 ZZ
360 97,450.76 2
1430 56TH AVENUE 9.375 810.96 75
9.125 810.96 130,000.00
OAKLAND CA 94621 5 12/17/99 00
0431815331 05 02/01/00 0
5227676 N 01/01/30
0
3176345 623/G02 F 42,000.00 ZZ
360 41,976.44 1
555 VALLOMBROSA AVENUE #13 8.875 334.18 70
8.625 334.18 60,000.00
CHICO CA 95926 1 12/07/99 00
0431811025 01 02/01/00 0
5227623 N 01/01/30
0
3176346 623/G02 F 134,300.00 ZZ
360 134,218.63 1
9521 CAMBURY DRIVE 8.500 1,032.66 80
8.250 1,032.66 167,900.00
1
SANTEE CA 92071 1 12/13/99 00
0431810613 05 02/01/00 0
5227438 N 01/01/30
0
3176347 623/G02 F 71,250.00 ZZ
360 71,119.09 1
2409 PARIS NE 8.500 547.85 75
8.250 547.85 96,000.00
GRAND RAPIDS MI 49505 5 12/20/99 00
0431813377 05 02/01/00 0
5227369 N 01/01/30
0
3176349 623/G02 F 91,500.00 ZZ
360 91,450.02 1
6690 CAJON LANE 9.000 736.23 68
8.750 736.23 135,000.00
PAHRUMP NV 89048 2 12/21/99 00
0431813286 05 02/01/00 0
5227207 N 01/01/30
0
3176355 623/G02 F 191,250.00 ZZ
360 191,153.42 4
13066 PRAIRIE VIEW 9.375 1,590.72 90
9.125 1,590.72 213,000.00
DEWITT MI 48820 1 12/20/99 10
0431809672 05 02/01/00 25
5223424 N 01/01/30
0
3176360 623/G02 F 100,000.00 ZZ
360 99,940.96 3
11 BATTLES STREET 8.625 777.79 65
8.375 777.79 154,000.00
BROCKTON MA 02401 5 01/03/00 00
0431815513 05 02/01/00 0
1427901 N 01/01/30
0
3176365 623/G02 F 57,600.00 ZZ
360 57,481.10 1
11850 EDGEWATER DRIVE #413 8.500 442.89 80
8.250 442.89 72,000.00
LAKEWOOD OH 44107 1 12/16/99 00
0431809276 06 02/01/00 0
1426211 O 01/01/30
0
1
3176367 623/G02 F 64,000.00 ZZ
360 63,962.21 2
1105 18 1/2 AVENUE NE 8.625 497.79 88
8.375 497.79 73,000.00
MINNEAPOLIS MN 55418 2 12/13/99 11
0431810688 05 02/01/00 25
1390516 N 01/01/30
0
3176369 623/G02 F 194,000.00 T
360 193,764.12 1
4180 E COMMERCE ROAD 8.500 1,491.69 75
8.250 1,491.69 260,000.00
MILFORD MI 48381 5 11/08/99 00
0431815174 05 01/01/00 0
1383486 O 12/01/29
0
3176928 573/G02 F 106,720.00 ZZ
360 106,720.00 2
2 ST. JAMES #A & B 9.000 858.69 80
8.750 858.69 133,400.00
CHICO CA 95926 1 01/19/00 00
0431809292 05 03/01/00 0
153348 N 02/01/30
0
3178914 K08/G02 F 300,000.00 ZZ
360 300,000.00 4
1916 CALVERT STREET NW 9.375 2,495.25 50
9.125 2,495.25 600,000.00
WASHINGTON DC 20009 5 01/28/00 00
0411736416 05 03/01/00 0
0411736416 N 02/01/30
0
3178916 K08/G02 F 47,700.00 ZZ
360 47,700.00 1
755 INDIANA 10.000 418.60 90
9.750 418.60 53,000.00
SOUTH HAVEN MI 49090 1 01/28/00 10
0411750474 05 03/01/00 25
0411750474 N 02/01/30
0
3178918 K08/G02 F 73,000.00 ZZ
360 73,000.00 1
1
2105 OHIO AVENUE 9.375 607.18 70
9.125 607.18 105,000.00
KLAMATH FALLS OR 97601 5 01/20/00 00
0411763865 05 03/01/00 0
0411763865 N 02/01/30
0
3178921 K08/G02 F 65,000.00 ZZ
360 65,000.00 2
2282 2284 YEMANS 9.250 534.74 65
9.000 534.74 100,000.00
HAMTRAMCK MI 48212 5 01/28/00 00
0411775240 05 03/01/00 0
0411775240 N 02/01/30
0
3178926 K08/G02 F 78,200.00 ZZ
360 78,200.00 1
10009 BRAILE STREET 9.500 657.55 85
9.250 657.55 92,000.00
DETROIT MI 48228 5 01/24/00 04
0411781792 05 03/01/00 12
0411781792 O 02/01/30
0
3178927 K08/G02 F 114,750.00 ZZ
360 114,750.00 2
3221-23 31ST ST AVENUE SO 9.500 964.88 90
9.250 964.88 127,500.00
MINNEAPOLIS MN 55406 1 01/28/00 10
0411782105 05 03/01/00 25
0411782105 N 02/01/30
0
3178928 K08/G02 F 63,200.00 ZZ
360 63,200.00 1
1617 2ND AVE 9.375 525.67 80
9.125 525.67 79,000.00
COUNCIL BLUFFS IA 51501 5 01/28/00 00
0411782238 05 03/01/00 0
0411782238 N 02/01/30
0
3178933 K08/G02 F 97,200.00 ZZ
360 97,200.00 1
3386 MAHOPAC 9.625 826.19 90
9.375 826.19 108,000.00
LAKE ORION MI 48360 1 01/28/00 04
0411785298 05 03/01/00 25
1
0411785298 N 02/01/30
0
3178944 K08/G02 F 295,950.00 ZZ
360 295,950.00 1
11417 BETLEN DRIVE 8.875 2,354.71 80
8.625 2,354.71 369,950.00
DUBLIN CA 94568 1 01/25/00 00
0411797160 05 03/01/00 0
0411797160 O 02/01/30
0
3178945 K08/G02 F 52,200.00 ZZ
360 52,200.00 1
310 EAST EDGEBROOK DRIVE 9.375 434.17 90
9.125 434.17 58,000.00
HOUSTON TX 77034 1 01/27/00 04
0411798176 05 03/01/00 25
0411798176 N 02/01/30
0
3178946 K08/G02 F 300,000.00 ZZ
360 300,000.00 1
823 EDGEWOOD DRIVE 8.750 2,360.10 80
8.500 2,360.10 376,272.00
KELLER TX 76248 1 01/28/00 00
0411798614 03 03/01/00 0
0411798614 O 02/01/30
0
3178952 K08/G02 F 83,600.00 ZZ
360 83,600.00 1
504 HANCOCK STREET 9.500 702.95 95
9.250 702.95 88,000.00
LARAMIE WY 82072 1 01/28/00 04
0411804727 05 03/01/00 30
0411804727 O 02/01/30
0
3178953 K08/G02 F 305,300.00 ZZ
360 305,300.00 1
6 ALMOND ORCHARD LANE 9.125 2,484.02 80
8.875 2,484.02 381,698.00
SAN RAMON CA 94583 1 01/25/00 00
0411805716 03 03/01/00 0
0411805716 N 02/01/30
0
1
3182003 K08/G02 F 98,500.00 ZZ
360 98,500.00 1
7235 LOVELAND AVENUE 8.500 757.38 79
8.250 757.38 125,000.00
FOUNTAIN CO 80817 5 01/26/00 00
0411763923 05 03/01/00 0
0411763923 O 02/01/30
0
3182007 K08/G02 F 106,400.00 ZZ
360 106,400.00 1
5009 56TH AVENUE 8.750 837.05 95
8.500 837.05 112,000.00
HYATTSVILLE MD 20781 5 01/26/00 01
0411773864 05 03/01/00 30
0411773864 O 02/01/30
0
3182014 K08/G02 F 92,000.00 ZZ
360 92,000.00 2
1737 N. RAMPART STREET 8.875 731.99 70
8.625 731.99 132,000.00
NEW ORLEANS LA 70116 1 01/31/00 00
0411788383 05 03/01/00 0
0411788383 O 02/01/30
0
3182020 K08/G02 F 142,500.00 ZZ
360 142,500.00 1
11274 SW 55 PLACE 9.250 1,172.31 94
9.000 1,172.31 153,000.00
COOPER CITY FL 33330 5 01/26/00 01
0411792054 05 03/01/00 30
0411792054 O 02/01/30
0
3182029 K08/G02 F 42,400.00 ZZ
360 42,400.00 1
4129 MISSION ROAD 10.000 372.09 80
9.750 372.09 53,000.00
KANSAS CITY KS 66103 5 01/31/00 00
0411798424 05 03/01/00 0
0411798424 N 02/01/30
0
3182040 K08/G02 F 76,000.00 ZZ
360 76,000.00 1
425 JACKSON STREET 8.750 597.89 72
8.500 597.89 106,700.00
1
KRUM TX 76249 5 01/26/00 00
0411804883 05 03/01/00 0
0411804883 O 02/01/30
0
3182043 K08/G02 F 256,000.00 T
360 256,000.00 1
4139 SOUTH ATLANTIC AVENUE 9.750 2,199.44 80
UNIT # A501 9.500 2,199.44 320,000.00
NEW SMYRNA BEAC FL 32169 1 01/31/00 00
0411808553 08 03/01/00 0
0411808553 O 02/01/30
0
3182045 K08/G02 F 117,400.00 ZZ
360 117,400.00 1
11236 NORTHWOODS FOREST DRIVE 9.500 987.16 90
9.250 987.16 130,500.00
CHARLOTTE NC 28214 1 01/31/00 14
0411814411 05 03/01/00 25
0411814411 N 02/01/30
0
3184947 K08/G02 F 255,000.00 ZZ
360 255,000.00 1
23198 SOUTH FREDERICK ROAD 8.625 1,983.36 75
8.375 1,983.36 340,000.00
RIPON CA 95366 2 01/26/00 00
0411783079 05 03/01/00 0
0411783079 O 02/01/30
0
3184960 K08/G02 F 136,000.00 ZZ
360 136,000.00 1
600 SW 3RD AVENUE 9.125 1,106.54 80
8.875 1,106.54 170,000.00
HALLANDALE FL 33009 5 01/27/00 00
0411803968 05 03/01/00 0
0411803968 O 02/01/30
0
3184961 K08/G02 F 485,950.00 ZZ
360 485,950.00 1
2516 ELLA LEE LANE 8.625 3,779.67 79
8.375 3,779.67 615,950.00
HOUSTON TX 77019 1 02/01/00 00
0411808439 05 03/01/00 0
0411808439 O 02/01/30
0
1
3184963 K08/G02 F 118,700.00 ZZ
360 118,700.00 1
8516 POTOSI COVE 8.750 933.81 80
8.500 933.81 150,000.00
AUSTIN TX 78717 2 01/31/00 00
0411817265 03 03/01/00 0
0411817265 N 02/01/30
0
3184964 K08/G02 F 73,400.00 ZZ
360 73,400.00 1
11802 PINTO CIRCLE 8.750 577.44 78
8.500 577.44 94,500.00
BUDA TX 78610 2 01/31/00 00
0411817430 05 03/01/00 0
0411817430 N 02/01/30
0
3185079 E82/G02 F 135,000.00 ZZ
360 135,000.00 1
5300 SOUTHWEST WHITBY AVENUE 9.125 1,098.40 90
8.875 1,098.40 150,000.00
CORVALLIS OR 97333 1 02/02/00 04
0400245130 05 03/01/00 25
0400245130 N 02/01/30
0
3187726 K08/G02 F 121,500.00 ZZ
360 121,500.00 4
735/737/739/741 ROCK PIT ROAD 9.625 1,032.74 90
9.375 1,032.74 135,000.00
TITUSVILLE FL 32780 1 02/02/00 01
0411778848 05 03/01/00 25
0411778848 N 02/01/30
0
3187730 K08/G02 F 140,600.00 ZZ
360 140,600.00 2
26000 & 26012 NORTH HIGHWAY 99 9.000 1,131.30 80
8.750 1,131.30 175,800.00
ACAMPO CA 95220 1 01/21/00 00
0411790702 05 03/01/00 0
0411790702 N 02/01/30
0
3190519 K08/G02 F 87,750.00 ZZ
360 87,750.00 1
1
704 WEST 9TH AVENUE 9.250 721.90 65
9.000 721.90 135,000.00
ESCONDIDO CA 92025 5 01/19/00 00
0411782188 05 03/01/00 0
0411782188 N 02/01/30
0
3190525 K08/G02 F 102,350.00 ZZ
360 102,350.00 3
236, 238, 240 PRADO WAY 8.375 777.93 89
8.125 777.93 115,000.00
STOCKTON CA 95207 1 01/26/00 01
0411800188 05 03/01/00 25
0411800188 N 02/01/30
0
3191954 637/G02 F 85,500.00 ZZ
360 85,500.00 1
149 WARREN STREET 9.000 687.96 90
8.750 687.96 95,000.00
BANGOR ME 04401 1 01/10/00 11
0431826783 05 03/01/00 25
0020415147 N 02/01/30
0
TOTAL NUMBER OF LOANS : 1,540
TOTAL ORIGINAL BALANCE : 219,121,037.06
TOTAL PRINCIPAL BALANCE : 218,881,933.69
TOTAL ORIGINAL P+I : 1,740,621.87
TOTAL CURRENT P+I : 1,740,621.87
***************************
* END OF REPORT *
***************************
1
RUN ON : 02/23/00 RFC DISCLOSURE SYSTEM RFFSDFIX-01
AT : 12.52.24 FIXED PASSTHRU REPORT AMORTIZED BALANCE
SERIES : RFMSI I 2000-QS2 CUTOFF : 02/01/00
POOL : 0004425
:
:
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
--------------------------------------------------------------------------
1773883 .2500
36,547.18 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1839348 .2500
213,682.98 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
1865391 .2500
58,848.59 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
7.5950 .0000
1880058 .2500
59,503.33 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
7.5950 .0000
1931005 .2500
64,342.79 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
1931548 .2500
54,456.28 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
1
1931739 .2500
267,200.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
1933157 .2500
298,998.16 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1936001 .2500
180,185.27 .0300
8.0000 .0000
7.7500 .0000
7.7200 .0000
7.7200 .0000
1938060 .2500
166,001.37 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1938656 .2500
18,890.94 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
7.7500 1.5450
1940323 .2500
287,058.29 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
1941228 .2500
60,000.00 .0800
9.8750 .0000
9.6250 .0000
9.5450 .0000
7.7500 1.7950
1941948 .2500
204,416.83 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
1
1943149 .2500
113,887.40 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
1945564 .2500
173,899.89 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1946924 .2500
130,204.09 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
1946937 .2500
149,161.01 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
1947338 .2500
116,000.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1947906 .2500
92,400.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1948353 .2500
648,715.77 .0800
8.1250 .0000
7.8750 .0000
7.7950 .0000
7.7500 .0450
1949418 .2500
172,712.74 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
1
1950417 .2500
31,119.22 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
1950637 .2500
52,533.64 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1950989 .2500
28,665.10 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1951234 .2500
139,742.34 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1951648 .2500
157,516.13 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
7.7500 1.0450
1952523 .2500
306,600.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
1952779 .2500
109,979.27 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1952781 .2500
42,976.51 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1
1953281 .2500
182,037.57 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
1953283 .2500
81,129.16 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
1953314 .2500
175,000.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1953796 .2500
103,763.94 .0800
8.8700 .0000
8.6200 .0000
8.5400 .0000
7.7500 .7900
1954581 .2500
403,529.47 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1954582 .2500
52,097.79 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1954591 .2500
46,775.74 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
1954593 .2500
34,182.27 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
1
1954667 .2500
166,500.00 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
7.7500 1.0450
1954932 .2500
119,429.45 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1955005 .2500
181,886.88 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1955129 .2500
78,170.73 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1955331 .2500
56,867.50 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
7.7500 1.5450
1955419 .2500
59,925.16 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1955431 .2500
139,931.13 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
1955436 .2500
114,873.89 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1
1955627 .2500
98,938.47 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1955666 .2500
139,919.45 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1955823 .2500
244,269.94 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
7.7500 1.0450
1955829 .2500
179,002.17 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1955933 .2500
199,850.39 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1956069 .2500
245,700.00 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1956083 .2500
59,970.48 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
1956166 .2500
98,547.52 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
7.7500 1.0450
1
1956370 .2500
98,696.63 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
1956482 .2500
58,466.34 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1956515 .2500
43,824.77 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1956549 .2500
44,910.00 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
7.7500 1.0450
1956762 .2500
83,954.12 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1956941 .2500
26,587.59 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
7.7500 1.6700
1957029 .2500
49,969.71 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1957143 .2500
52,474.18 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
1
1957216 .2500
228,592.57 .0300
7.8750 .0000
7.6250 .0000
7.5950 .0000
7.5950 .0000
1957285 .2500
159,903.06 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1957305 .2500
143,850.12 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
1957330 .2500
99,325.95 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
1957427 .2500
40,778.84 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
1957461 .2500
93,947.30 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
1957502 .2500
259,842.50 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
1957523 .2500
34,983.23 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
7.7500 1.5450
1
1957596 .2500
129,868.20 .0800
9.3750 .0000
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9.5000 .0000
9.4200 .0000
7.7500 1.6700
3151011 .2500
79,655.32 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3151158 .2500
450,000.00 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
3151915 .2500
102,848.03 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
3151975 .2500
85,550.00 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
7.7500 1.6700
3152398 .2500
91,953.54 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
1
3153643 .2500
28,000.00 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
7.7500 1.6700
3153644 .2500
40,000.00 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
7.7500 1.6700
3153645 .2500
33,600.00 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
7.7500 1.6700
3153646 .2500
177,000.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3153651 .2500
42,400.00 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
3153653 .2500
150,100.00 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
7.7500 1.6700
3153656 .2500
55,800.00 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
3153660 .2500
141,500.00 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
1
3153667 .2500
100,000.00 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
3153668 .2500
57,500.00 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
3153669 .2500
221,150.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3153740 .2500
143,600.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3153971 .2500
300,000.00 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
7.7500 1.5450
3154533 .2500
32,500.00 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
7.7500 1.5450
3155338 .2500
86,347.65 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
3156504 .2500
118,800.00 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
7.7500 1.6700
1
3156507 .2500
165,750.00 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
3156509 .2500
61,600.00 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
7.7500 1.5450
3156510 .2500
112,000.00 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
3156512 .2500
87,200.00 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
7.7500 1.0450
3156513 .2500
111,600.00 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
7.7500 1.6700
3156514 .2500
88,000.00 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
3156516 .2500
212,000.00 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
3156517 .2500
132,000.00 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1
3157543 .2500
88,000.00 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
3158099 .2500
145,800.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3158330 .2500
45,427.64 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
3158364 .2500
141,600.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3158463 .2500
581,486.63 .0300
7.7500 .0000
7.5000 .0000
7.4700 .0000
7.4700 .0000
3158472 .2500
299,422.14 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
3159018 .2500
87,300.00 .0800
9.8750 .0000
9.6250 .0000
9.5450 .0000
7.7500 1.7950
3159549 .2500
28,000.00 .0800
10.0000 .0000
9.7500 .0000
9.6700 .0000
7.7500 1.9200
1
3159553 .2500
109,800.00 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
3159555 .2500
84,000.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3159556 .2500
73,600.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3159559 .2500
104,000.00 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
3159560 .2500
270,000.00 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
3159563 .2500
27,950.00 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
7.7500 1.5450
3159564 .2500
341,500.00 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
3159567 .2500
152,000.00 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
7.7500 1.6700
1
3159568 .2500
104,000.00 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
3159569 .2500
124,000.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3159570 .2500
75,000.00 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
3159571 .2500
72,250.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3159572 .2500
77,600.00 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
3159573 .2500
248,000.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3159673 .2500
66,150.00 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
7.7500 1.5450
3160449 .2500
109,185.49 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
1
3160895 .2500
50,400.00 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
7.7500 1.5450
3160900 .2500
150,000.00 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
3162590 .2500
96,000.00 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
7.7500 1.6700
3162599 .2500
78,000.00 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
3162606 .2500
104,000.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3162607 .2500
100,800.00 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
3162610 .2500
100,000.00 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
3162611 .2500
78,300.00 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
1
3162619 .2500
30,950.00 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
3162620 .2500
60,000.00 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
7.7500 1.0450
3162621 .2500
110,700.00 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
7.7500 1.5450
3162746 .2500
70,000.00 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
3162749 .2500
37,800.00 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
7.7500 1.5450
3166669 .2500
225,000.00 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
7.7500 1.0450
3166671 .2500
228,000.00 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
3166678 .2500
232,500.00 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
1
3166683 .2500
36,000.00 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
3166692 .2500
150,000.00 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
3167796 .2500
114,400.00 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
3168054 .2500
60,300.00 .0800
9.8750 .0000
9.6250 .0000
9.5450 .0000
7.7500 1.7950
3168079 .2500
121,531.83 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3168252 .2500
74,300.00 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
3169903 .2500
132,200.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3169905 .2500
146,250.00 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
7.7500 1.5450
1
3169909 .2500
251,750.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3169910 .2500
106,200.00 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
7.7500 1.6700
3169911 .2500
106,200.00 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
7.7500 1.6700
3169912 .2500
106,200.00 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
7.7500 1.6700
3169913 .2500
106,200.00 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
7.7500 1.6700
3169916 .2500
159,300.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3170038 .2500
96,000.00 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
3170040 .2500
125,700.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
1
3171351 .2500
168,000.00 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
3171471 .2500
262,550.00 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
7.7500 1.0450
3172619 .2500
328,315.84 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3172620 .2500
104,500.00 .0800
10.0000 .0000
9.7500 .0000
9.6700 .0000
7.7500 1.9200
3172622 .2500
233,750.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3172634 .2500
144,000.00 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
7.7500 1.6700
3172637 .2500
180,000.00 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
7.7500 1.6700
3172641 .2500
105,050.00 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
1
3172642 .2500
51,750.00 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
7.7500 1.6700
3172674 .2500
148,500.00 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
7.7500 1.6700
3172818 .2500
135,000.00 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
3173873 .2500
59,000.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3175428 .2500
74,200.00 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
7.7500 1.6700
3175432 .2500
160,000.00 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
3175434 .2500
35,700.00 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
3175436 .2500
50,000.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
1
3176315 .2500
74,952.18 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
3176318 .2500
117,084.32 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3176322 .2500
449,234.61 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
3176323 .2500
207,867.36 .0800
8.2500 .0000
8.0000 .0000
7.9200 .0000
7.7500 .1700
3176324 .2500
87,908.39 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
3176325 .2500
171,826.09 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
3176326 .2500
42,325.12 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
3176328 .2500
167,917.36 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
1
3176334 .2500
64,890.97 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
3176339 .2500
55,966.94 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
3176342 .2500
319,806.15 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
3176344 .2500
97,450.76 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
3176345 .2500
41,976.44 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3176346 .2500
134,218.63 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
3176347 .2500
71,119.09 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
3176349 .2500
91,450.02 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
1
3176355 .2500
191,153.42 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
3176360 .2500
99,940.96 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
3176365 .2500
57,481.10 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
3176367 .2500
63,962.21 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
3176369 .2500
193,764.12 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
3176928 .2500
106,720.00 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
3178914 .2500
300,000.00 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
3178916 .2500
47,700.00 .0800
10.0000 .0000
9.7500 .0000
9.6700 .0000
7.7500 1.9200
1
3178918 .2500
73,000.00 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
3178921 .2500
65,000.00 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
3178926 .2500
78,200.00 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
3178927 .2500
114,750.00 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
3178928 .2500
63,200.00 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
3178933 .2500
97,200.00 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
7.7500 1.5450
3178944 .2500
295,950.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3178945 .2500
52,200.00 .0800
9.3750 .0000
9.1250 .0000
9.0450 .0000
7.7500 1.2950
1
3178946 .2500
300,000.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3178952 .2500
83,600.00 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
3178953 .2500
305,300.00 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
7.7500 1.0450
3182003 .2500
98,500.00 .0800
8.5000 .0000
8.2500 .0000
8.1700 .0000
7.7500 .4200
3182007 .2500
106,400.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3182014 .2500
92,000.00 .0800
8.8750 .0000
8.6250 .0000
8.5450 .0000
7.7500 .7950
3182020 .2500
142,500.00 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
3182029 .2500
42,400.00 .0800
10.0000 .0000
9.7500 .0000
9.6700 .0000
7.7500 1.9200
1
3182040 .2500
76,000.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3182043 .2500
256,000.00 .0800
9.7500 .0000
9.5000 .0000
9.4200 .0000
7.7500 1.6700
3182045 .2500
117,400.00 .0800
9.5000 .0000
9.2500 .0000
9.1700 .0000
7.7500 1.4200
3184947 .2500
255,000.00 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
3184960 .2500
136,000.00 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
7.7500 1.0450
3184961 .2500
485,950.00 .0800
8.6250 .0000
8.3750 .0000
8.2950 .0000
7.7500 .5450
3184963 .2500
118,700.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
3184964 .2500
73,400.00 .0800
8.7500 .0000
8.5000 .0000
8.4200 .0000
7.7500 .6700
1
3185079 .2500
135,000.00 .0800
9.1250 .0000
8.8750 .0000
8.7950 .0000
7.7500 1.0450
3187726 .2500
121,500.00 .0800
9.6250 .0000
9.3750 .0000
9.2950 .0000
7.7500 1.5450
3187730 .2500
140,600.00 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
3190519 .2500
87,750.00 .0800
9.2500 .0000
9.0000 .0000
8.9200 .0000
7.7500 1.1700
3190525 .2500
102,350.00 .0800
8.3750 .0000
8.1250 .0000
8.0450 .0000
7.7500 .2950
3191954 .2500
85,500.00 .0800
9.0000 .0000
8.7500 .0000
8.6700 .0000
7.7500 .9200
TOTAL NUMBER OF LOANS: 1540
TOTAL BALANCE........: 218,881,933.69
1
RUN ON : 02/23/00 RFC DISCLOSURE SYSTEM RFFSDFIX-01
AT : 12.52.24 INITIAL SECURITY FEES AMORTIZED BALANCE
SERIES : RFMSI I 2000-QS2 FIXED SUMMARY REPORT CUTOFF : 02/01/00
POOL : 0004425
:
:
POOL STATUS: F
WEIGHTED AVERAGES FROM TO
----------------------------------------------------------------------------
CURR NOTE RATE 8.8466 7.2500 10.3000
RFC NET RATE 8.5961 7.0000 10.0500
NET MTG RATE(INVSTR RATE) 8.5190 6.9700 9.9700
POST STRIP RATE 7.7411 6.9700 7.7500
SUB SERV FEE .2505 .2500 .6250
MSTR SERV FEE .0771 .0300 .0800
ALL EXP .0000 .0000 .0000
MISC EXP .0000 .0000 .0000
SPREAD .0000 .0000 .0000
STRIP .7778 .0000 2.2200
TOTAL NUMBER OF LOANS: 1540
TOTAL BALANCE........: 218,881,933.69
***************************
* END OF REPORT *
***************************
<PAGE>
Exhibit TWO
SCHEDULE OF DISCOUNT FRACTIONS
Loan Number Current Balance Net Mortgage Rate Discount Fraction PO Balance
3068411 "$61,935.98 " 0.0697 0.100645161 "$6,233.56 "
3128765 "$420,992.50 " 0.07345 0.052258065 "$22,000.25 "
3158463 "$581,486.63 " 0.0747 0.036129032 "$21,008.55 "
2788378 "$78,355.53 " 0.0747 0.036129032 "$2,830.91 "
1964786 "$175,750.75 " 0.0747 0.036129032 "$6,349.70 "
3126280 "$391,662.80 " 0.0747 0.036129032 "$14,150.40 "
3126285 "$268,445.96 " 0.0747 0.036129032 "$9,698.69 "
3126368 "$398,859.74 " 0.0747 0.036129032 "$14,410.42 "
1963804 "$108,323.49 " 0.0747 0.036129032 "$3,913.62 "
3144187 "$85,849.40 " 0.0747 0.036129032 "$3,101.66 "
3135234 "$717,947.54 " 0.0747 0.036129032 "$25,938.75 "
3144181 "$203,119.33 " 0.0747 0.036129032 "$7,338.50 "
1964778 "$67,903.89 " 0.0748 0.03483871 "$2,365.68 "
1880058 "$59,503.33 " 0.07595 0.02 "$1,190.07 "
2796369 "$227,539.71 " 0.07595 0.02 "$4,550.79 "
1865391 "$58,848.59 " 0.07595 0.02 "$1,176.97 "
1957216 "$228,592.57 " 0.07595 0.02 "$4,571.85 "
1967656 "$219,848.60 " 0.07595 0.02 "$4,396.97 "
1967180 "$147,795.63 " 0.07595 0.02 "$2,955.91 "
1964830 "$70,302.78 " 0.07595 0.02 "$1,406.06 "
1962577 "$148,247.90 " 0.07595 0.02 "$2,964.96 "
1958207 "$212,206.56 " 0.07595 0.02 "$4,244.13 "
3078127 "$164,772.14 " 0.07595 0.02 "$3,295.44 "
1960778 "$267,629.91 " 0.07595 0.02 "$5,352.60 "
1961880 "$90,000.00 " 0.07595 0.02 "$1,800.00 "
1963177 "$211,207.94 " 0.07595 0.02 "$4,224.16 "
1966847 "$454,686.87 " 0.07595 0.02 "$9,093.74 "
3105492 "$249,827.95 " 0.07595 0.02 "$4,996.56 "
3106101 "$108,187.01 " 0.07595 0.02 "$2,163.74 "
3106107 "$123,415.00 " 0.07595 0.02 "$2,468.30 "
3112723 "$227,526.17 " 0.07595 0.02 "$4,550.52 "
3113045 "$112,022.86 " 0.07595 0.02 "$2,240.46 "
3132439 "$359,752.25 " 0.07595 0.02 "$7,195.05 "
3128771 "$711,016.78 " 0.07595 0.02 "$14,220.34 "
3127078 "$95,933.93 " 0.07595 0.02 "$1,918.68 "
3125286 "$179,352.00 " 0.07595 0.02 "$3,587.04 "
1964829 "$38,287.24 " 0.0771 0.00516129 $197.61
1964782 "$83,087.75 " 0.0771 0.00516129 $428.84
1963833 "$371,050.86 " 0.0772 0.003870968 "$1,436.33 "
3146839 "$107,873.46 " 0.0772 0.003870968 $417.57
1936001 "$180,185.27 " 0.0772 0.003870968 $697.49
3144218 "$89,939.61 " 0.0772 0.003870968 $348.15
3144178 "$204,470.29 " 0.0772 0.003870968 $791.50
1960244 "$495,667.20 " 0.0772 0.003870968 "$1,918.71 "
3135189 "$151,695.48 " 0.0772 0.003870968 $587.21
3135173 "$236,641.11 " 0.0772 0.003870968 $916.03
1967738 "$339,771.87 " 0.0772 0.003870968 "$1,315.25 "
1962583 "$34,976.51 " 0.0772 0.003870968 $135.39
3125422 "$215,709.15 " 0.0772 0.003870968 $835.00
1967724 "$99,865.35 " 0.0772 0.003870968 $386.58
1967184 "$107,055.66 " 0.0772 0.003870968 $414.41
1963906 "$107,031.70 " 0.0772 0.003870968 $414.32
3115805 "$52,464.77 " 0.0772 0.003870968 $203.09
2921098 "$219,750.26 " 0.0772 0.003870968 $850.65
1967332 "$144,902.71 " 0.0772 0.003870968 $560.91
3099666 "$261,424.47 " 0.0772 0.003870968 "$1,011.97 "
3125364 "$113,147.44 " 0.0772 0.003870968 $437.99
1965167 "$70,400.00 " 0.0772 0.003870968 $272.52
3125321 "$124,831.68 " 0.0772 0.003870968 $483.22
1967200 "$277,813.46 " 0.0772 0.003870968 "$1,075.41 "
3130453 "$120,000.00 " 0.0772 0.003870968 $464.52
61 "$12,536,893.32 " 1.99814796% "$250,505.68 "
<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 IO Certificates;
(xiii) the Notional Amount with respect to each class of Interest Only
Certificates;
(xiv) the occurrence of the Credit Support Depletion Date;
(xv) the related Senior Accelerated Distribution Percentage applicable to
such distribution;
(xvi) the related Senior Percentage for such Distribution Date;
(xvii) the aggregate amount of Realized Losses for such Distribution Date;
(xviii) the aggregate amount of any recoveries on previously foreclosed
loans from Sellers due to a breach of representation or warranty;
(xix) the weighted average remaining term to maturity of the Mortgage Loans
after giving effect to the amounts distributed on such Distribution Date;
(xx) the weighted average Mortgage Rates of the Mortgage Loans after giving
effect to the amounts distributed on such Distribution Date; and
(xxi) if any of the Class M Certificates are held by a Depository, a legend
substantially in the form of Exhibit H-3 to the Standard Terms, referencing such
Certificates.
In the case of information furnished pursuant to clauses (i) and (ii)
above, the amounts shall be expressed as a dollar amount per Certificate with a
$1,000 denomination.
<PAGE>
Exhibit FOUR
===============================================================================
STANDARD TERMS OF
POOLING AND SERVICING AGREEMENT
Dated as of December 1, 1999
Residential Accredit Loans, Inc.
Mortgage Asset-Backed Pass-Through Certificates
===============================================================================
<PAGE>
<TABLE>
<CAPTION>
TABLE OF CONTENTS
PAGE
<S> <C>
ARTICLE I DEFINITIONS................................................................................2
Section 1.01.Definitions................................................................................2
Section 1.02.Use of Words and Phrases..................................................................30
ARTICLE II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES...........................31
Section 2.01.Conveyance of Mortgage Loans..............................................................31
Section 2.02.Acceptance by Trustee.....................................................................37
Section 2.03.Representations, Warranties and Covenants of the Master
Servicer and the Company...............................................................38
Section 2.04. Representations and Warranties of Sellers..............................................40
ARTICLE III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS............................................43
Section 3.01. Master Servicer to Act as Servicer.....................................................43
Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement of
Subservicers' and Sellers' Obligations.................................................44
Section 3.03. Successor Subservicers.................................................................45
Section 3.04. Liability of the Master Servicer.......................................................46
Section 3.05. No Contractual Relationship Between Subservicer and Trustee or Certificateholders......46
Section 3.06. Assumption or Termination of Subservicing Agreements by Trustee........................46
Section 3.07. Collection of Certain Mortgage Loan Payments; Deposits to Custodial Account...........47
Section 3.08. Subservicing Accounts; Servicing Accounts..............................................49
Section 3.09. Access to Certain Documentation and Information Regarding the Mortgage Loans..........50
Section 3.10. Permitted Withdrawals from the Custodial Account.......................................51
Section 3.11. Maintenance of the Primary Insurance Policies; Collections Thereunder.................52
Section 3.12. Maintenance of Fire Insurance and Omissions and Fidelity Coverage.....................53
Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and Modification Agreements;
Certain Assignments....................................................................55
Section 3.14. Realization Upon Defaulted Mortgage Loans..............................................57
Section 3.15. Trustee to Cooperate; Release of Mortgage Files........................................60
Section 3.16. Servicing and Other Compensation; Compensating Interest................................61
Section 3.17. Reports to the Trustee and the Company.................................................62
Section 3.18. Annual Statement as to Compliance......................................................63
Section 3.19. Annual Independent Public Accountants' Servicing Report................................63
Section 3.20. Rights of the Company in Respect of the Master Servicer................................64
Section 3.21. Administration of Buydown Funds........................................................64
ARTICLE IV PAYMENTS TO CERTIFICATEHOLDERS............................................................66
Section 4.01. Certificate Account....................................................................66
Section 4.02. Distributions..........................................................................66
Section 4.03. Statements to Certificateholders.......................................................66
Section 4.04. Distribution of Reports to the Trustee and the Company; Advances by the Master
Servicer...............................................................................67
Section 4.05. Allocation of Realized Losses..........................................................69
Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property..........................69
Section 4.07. Optional Purchase of Defaulted Mortgage Loans..........................................69
Section 4.08. Surety Bond............................................................................69
ARTICLE V THE CERTIFICATES..........................................................................71
Section 5.01. The Certificates.......................................................................71
Section 5.02. Registration of Transfer and Exchange of Certificates..................................73
Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates......................................78
Section 5.04. Persons Deemed Owners..................................................................79
Section 5.05. Appointment of Paying Agent............................................................79
Section 5.06. Optional Purchase of Certificates......................................................79
ARTICLE VI THE COMPANY AND THE MASTER SERVICER.......................................................82
Section 6.01. Respective Liabilities of the Company and the Master Servicer..........................82
Section 6.02. Merger or Consolidation of the Company or the Master Servicer; Assignment of
Rights and Delegation of Duties by Master Servicer.....................................82
Section 6.03. Limitation on Liability of the Company, the Master Servicer and Others................83
Section 6.04. Company and Master Servicer Not to Resign..............................................84
ARTICLE VII DEFAULT...................................................................................85
Section 7.01. Events of Default......................................................................85
Section 7.02. Trustee or Company to Act; Appointment of Successor....................................87
Section 7.03. Notification to Certificateholders.....................................................88
Section 7.04. Waiver of Events of Default............................................................88
ARTICLE VIII CONCERNING THE TRUSTEE....................................................................89
Section 8.01. Duties of Trustee......................................................................89
Section 8.02. Certain Matters Affecting the Trustee..................................................90
Section 8.03. Trustee Not Liable for Certificates or Mortgage Loans..................................92
Section 8.04. Trustee May Own Certificates...........................................................92
Section 8.05. Master Servicer to Pay Trustee's Fees and Expenses; Indemnification...................92
Section 8.06. Eligibility Requirements for Trustee...................................................93
Section 8.07. Resignation and Removal of the Trustee.................................................93
Section 8.08. Successor Trustee......................................................................94
Section 8.09. Merger or Consolidation of Trustee.....................................................95
Section 8.10. Appointment of Co-Trustee or Separate Trustee..........................................95
Section 8.11. Appointment of Custodians..............................................................96
Section 8.12. Appointment of Office or Agency........................................................96
ARTICLE IX TERMINATION...............................................................................98
Section 9.01. Termination Upon Purchase by the Master Servicer or the Company or Liquidation
of All Mortgage Loans..................................................................98
Section 9.02. Additional Termination Requirements...................................................100
Section 9.03. Termination of Multiple REMICs........................................................101
ARTICLE X REMIC PROVISIONS.........................................................................102
Section 10.01.REMIC Administration....................................................................102
Section 10.02.Master Servicer, REMIC Administrator and Trustee Indemnification........................105
Section 10.03.Designation of REMIC(s).................................................................106
ARTICLE XI MISCELLANEOUS PROVISIONS.................................................................107
Section 11.01.Amendment...............................................................................107
Section 11.02.Recordation of Agreement; Counterparts..................................................109
Section 11.03.Limitation on Rights of Certificateholders..............................................110
Section 11.04.Governing Law...........................................................................110
Section 11.05.Notices.................................................................................111
Section 11.06.Required Notices to Rating Agency and Subservicer.......................................111
Section 11.07.Severability of Provisions..............................................................111
Section 11.08.Supplemental Provisions for Resecuritization............................................112
</TABLE>
<PAGE>
EXHIBITS
Exhibit A: Form of Class A Certificate
Exhibit B: Form of Class M Certificate
Exhibit C: Form of Class B Certificate
Exhibit D: Form of Class R Certificate
Exhibit E: Form of Seller/Servicer Contract
Exhibit F: Forms of Request for Release
Exhibit G-1: Form of Transfer Affidavit and Agreement
Exhibit G-2: Form of Transferor Certificate
Exhibit H-1: Form of Investor Representation Letter
Exhibit H-2: Form of ERISA Representation Letter
Exhibit H-3: Form of ERISA Legend
Exhibit I: Form of Transferor Representation Letter
Exhibit J: Form of Rule 144A Investment Representation Letter
Exhibit K: Text of Amendment to Pooling and Servicing Agreemen
Pursuant to Section 11.01(e) for a Limited Guaranty
Exhibit L: Form of Limited Guaranty
Exhibit M: Form of Lender Certification for Assignment of
Mortgage Loan
Exhibit N: Request for Exchange Form
<PAGE>
This is the Standard Terms of Pooling and Servicing Agreement, dated as
of December 1, 1999 (the "Standard Terms", and as incorporated by reference into
a Series Supplement dated as of the Cut-off Date, the "Pooling and Servicing
Agreement" or "Agreement"), among RESIDENTIAL ACCREDIT LOANS, INC., as the
company (together with its permitted successors and assigns, the "Company"),
RESIDENTIAL FUNDING CORPORATION, as master servicer (together with its permitted
successors and assigns, the "Master Servicer"), and the trustee named in the
applicable Series Supplement (together with its permitted successors and
assigns, the "Trustee").
PRELIMINARY STATEMENT:
The Company intends to sell certain mortgage asset-backed pass-through
certificates (collectively, the "Certificates"), to be issued under the
Agreement in multiple classes, which in the aggregate will evidence the entire
beneficial ownership interest in the Mortgage Loans.
In consideration of the mutual agreements herein contained, the
Company, the Master Servicer and the Trustee agree as follows:
<PAGE>
ARTICLE I
DEFINITIONS
SECTION 1.01......DEFINITIONS.
Whenever used in this Agreement, the following words and phrases,
unless the context otherwise requires, shall have the meanings specified in this
Article.
ACCRETION TERMINATION DATE: As defined in the Series Supplement.
ACCRUAL CERTIFICATES: As defined in the Series Supplement.
ACCRUED CERTIFICATE INTEREST: With respect to each Distribution Date,
as to any Class or Subclass of Certificates (other than any Principal Only
Certificates), interest accrued during the related Interest Accrual Period at
the related Pass-Through Rate on the Certificate Principal Balance or Notional
Amount thereof immediately prior to such Distribution Date. Accrued Certificate
Interest will be calculated on the basis of a 360-day year, consisting of twelve
30-day months. In each case Accrued Certificate Interest on any Class or
Subclass of Certificates will be reduced by the amount of:
(i) Prepayment Interest Shortfalls on all Mortgage Loans or, if
the Mortgage Pool is comprised of two or more Loan Groups, on
the Mortgage Loans in the related Loan Group (to the extent
not offset by the Master Servicer with a payment of
Compensating Interest as provided in Section 4.01),
(ii) the interest portion (adjusted to the Net Mortgage Rate (or
the Modified Net Mortgage Rate in the case of a Modified
Mortgage Loan)) of Realized Losses on all Mortgage Loans or,
if the Mortgage Pool is comprised of two or more Loan Groups,
on the Mortgage Loans in the related Loan Group (including
Excess Special Hazard Losses, Excess Fraud Losses, Excess
Bankruptcy Losses and Extraordinary Losses) not allocated
solely to one or more specific Classes of Certificates
pursuant to Section 4.05,
(iii) the interest portion of Advances that were (A) previously made
with respect to a Mortgage Loan or REO Property on all
Mortgage Loans or, if the Mortgage Pool is comprised of two or
more Loan Groups, on the Mortgage Loans in the related Loan
Group, which remained unreimbursed following the Cash
Liquidation or REO Disposition of such Mortgage Loan or REO
Property or (B) made with respect to delinquencies that were
ultimately determined to be Excess Special Hazard Losses,
Excess Fraud Losses, Excess Bankruptcy Losses or Extraordinary
Losses, and
(iv) any other interest shortfalls not covered by the subordination
provided by the Class M Certificates and Class B Certificates,
including interest that is not collectible from the Mortgagor
pursuant to the Soldiers' and Sailors' Civil Relief Act of
1940, as amended, or similar legislation or regulations as in
effect from time to time,
2
<PAGE>
with all such reductions allocated (A) among all of the Certificates in
proportion to their respective amounts of Accrued Certificate Interest payable
on such Distribution Date absent such reductions or (B) if the Mortgage Pool is
comprised of two or more Loan Groups, the related Senior Percentage of such
reductions among the related Senior Certificates in proportion to the amounts of
Accrued Certificate Interest payable from the related Loan Group on such
Distribution Date absent such reductions, with the remainder of such reductions
allocated among the holders of the Class M Certificates and Class B Certificates
in proportion to their respective amounts of Accrued Certificate Interest
payable on such Distribution Date absent such reductions. In addition to that
portion of the reductions described in the preceding sentence that are allocated
to any Class of Class B Certificates or any Class of Class M Certificates,
Accrued Certificate Interest on such Class of Class B Certificates or such Class
of Class M Certificates will be reduced by the interest portion (adjusted to the
Net Mortgage Rate) of Realized Losses that are allocated solely to such Class of
Class B Certificates or such Class of Class M Certificates pursuant to Section
4.05.
ADDENDUM AND ASSIGNMENT AGREEMENT: The Addendum and Assignment Agreement,
dated as of January 31, 1995, between MLCC and the Master Servicer.
ADDITIONAL COLLATERAL: Any of the following held, in addition to the
related Mortgaged Property, as security for a Mortgage Loan: (i) all money,
securities, security entitlements, accounts, general intangibles, instruments,
documents, certificates of deposit, commodities contracts and other investment
property and other property of whatever kind or description now existing or
hereafter acquired which is pledged as security for the repayment of such
Mortgage Loan, (ii) third-party guarantees, and (A) all money, securities,
security entitlements, accounts, general intangibles, instruments, documents,
certificates of deposit, commodities contracts and other investment property and
other property of whatever kind or description now existing or hereafter
acquired which is pledged as collateral for such guarantee or (B) any mortgaged
property securing the performance of such guarantee, or (iii) such other
collateral as may be set forth in the Series Supplement.
ADDITIONAL COLLATERAL LOAN: Each Mortgage Loan that is supported by
Additional Collateral.
ADJUSTED MORTGAGE RATE: With respect to any Mortgage Loan and any date
of determination, the Mortgage Rate borne by the related Mortgage Note, less the
rate at which the related Subservicing Fee accrues.
ADVANCE: As to any Mortgage Loan, any advance made by the Master Servicer,
pursuant to Section 4.04.
AFFILIATE: With respect to any Person, any other Person controlling,
controlled by or under common control with such first Person. For the purposes
of this definition, "control" means the power to direct the management and
policies of such Person, directly or indirectly, whether through the ownership
of voting securities, by contract or otherwise; and the terms "controlling" and
"controlled" have meanings correlative to the foregoing.
3
<PAGE>
AMBAC: Ambac Assurance Corporation (formerly known as AMBAC Indemnity
Corporation).
AMOUNT HELD FOR FUTURE DISTRIBUTION: As to any Distribution Date and,
with respect to any Mortgage Pool that is comprised of two or more Loan Groups,
each Loan Group, the total of the amounts held in the Custodial Account at the
close of business on the preceding Determination Date on account of (i)
Liquidation Proceeds, Insurance Proceeds, Principal Prepayments, Mortgage Loan
purchases made pursuant to Section 2.02, 2.03, 2.04 or 4.07 and Mortgage Loan
substitutions made pursuant to Section 2.03 or 2.04 received or made in the
month of such Distribution Date (other than such Liquidation Proceeds, Insurance
Proceeds and purchases of Mortgage Loans that the Master Servicer has deemed to
have been received in the preceding month in accordance with Section 3.07(b))
and (ii) payments which represent early receipt of scheduled payments of
principal and interest due on a date or dates subsequent to the related Due
Date.
APPRAISED VALUE: As to any Mortgaged Property, the lesser of (i) the
appraised value of such Mortgaged Property based upon the appraisal made at the
time of the origination of the related Mortgage Loan, and (ii) the sales price
of the Mortgaged Property at such time of origination, except in the case of a
Mortgaged Property securing a refinanced or modified Mortgage Loan as to which
it is either the appraised value determined above or the appraised value
determined in an appraisal at the time of refinancing or modification, as the
case may be.
ASSIGNED CONTRACTS: With respect to any Pledged Asset Loan: the Credit
Support Pledge Agreement; the Funding and Pledge Agreement, among GMAC Mortgage
Corporation, National Financial Services Corporation and the Mortgagor or other
person pledging the related Pledged Assets; the Additional Collateral Agreement,
between GMAC Mortgage Corporation and the Mortgagor or other person pledging the
related Pledged Assets; or such other contracts as may be set forth in the
Series Supplement.
ASSIGNMENT: An assignment of the Mortgage, notice of transfer or
equivalent instrument, in recordable form, sufficient under the laws of the
jurisdiction wherein the related Mortgaged Property is located to reflect of
record the sale of the Mortgage Loan to the Trustee for the benefit of
Certificateholders, which assignment, notice of transfer or equivalent
instrument may be in the form of one or more blanket assignments covering
Mortgages secured by Mortgaged Properties located in the same county, if
permitted by law and accompanied by an Opinion of Counsel to that effect.
ASSIGNMENT AGREEMENT: The Assignment and Assumption Agreement, dated
the Closing Date, between Residential Funding and the Company relating to the
transfer and assignment of the Mortgage Loans.
ASSIGNMENT OF PROPRIETARY LEASE: With respect to a Cooperative Loan,
the assignment of the related Cooperative Lease from the Mortgagor to the
originator of the Cooperative Loan.
AVAILABLE DISTRIBUTION AMOUNT: As to any Distribution Date and, with
respect to any Mortgage Pool comprised of two or more Loan Groups, each Loan
Group, an amount equal to (a) the sum of (i) the amount relating to the Mortgage
Loans on deposit in the Custodial Account as of the close of business on the
4
<PAGE>
immediately preceding Determination Date and amounts deposited in the Custodial
Account in connection with the substitution of Qualified Substitute Mortgage
Loans, (ii) the amount of any Advance made on the immediately preceding
Certificate Account Deposit Date, (iii) any amount deposited in the Certificate
Account on the related Certificate Account Deposit Date pursuant to the second
paragraph of Section 3.12(a), (iv) any amount deposited in the Certificate
Account pursuant to Section 4.07, (v) any amount that the Master Servicer is not
permitted to withdraw from the Custodial Account or the Certificate Account
pursuant to Section 3.16(e), (vi) any amount received by the Trustee pursuant to
the Surety Bond in respect of such Distribution Date and (vii) the proceeds of
any Pledged Assets received by the Master Servicer, reduced by (b) the sum as of
the close of business on the immediately preceding Determination Date of (w)
aggregate Foreclosure Profits, (x) the Amount Held for Future Distribution, and
(y) amounts permitted to be withdrawn by the Master Servicer from the Custodial
Account in respect of the Mortgage Loans pursuant to clauses (ii)-(x),
inclusive, of Section 3.10(a). Such amount shall be determined separately for
each Loan Group. Additionally, with respect to any Mortgage Pool that is
comprised of two or more Loan Groups, if on any Distribution Date Compensating
Interest provided pursuant to this Section 3.16(e) is less than Prepayment
Interest Shortfalls incurred on the Mortgage Loans in the related Prepayment
Period, such Compensating Interest shall be allocated on such Distribution Date
to the Available Distribution Amount for each Loan Group on a pro rata basis in
accordance with the respective amounts of Prepayment Interest Shortfalls
incurred on the Mortgage Loans in such Loan Group in respect of such
Distribution Date.
BANKRUPTCY CODE: The Bankruptcy Code of 1978, as amended.
BANKRUPTCY LOSS: With respect to any Mortgage Loan, a Deficient
Valuation or Debt Service Reduction; PROVIDED, HOWEVER, that neither a Deficient
Valuation nor a Debt Service Reduction shall be deemed a Bankruptcy Loss
hereunder so long as the Master Servicer has notified the Trustee in writing
that the Master Servicer is diligently pursuing any remedies that may exist in
connection with the representations and warranties made regarding the related
Mortgage Loan and either (A) the related Mortgage Loan is not in default with
regard to payments due thereunder or (B) delinquent payments of principal and
interest under the related Mortgage Loan and any premiums on any applicable
primary hazard insurance policy and any related escrow payments in respect of
such Mortgage Loan are being advanced on a current basis by the Master Servicer
or a Subservicer, in either case without giving effect to any Debt Service
Reduction.
BOOK-ENTRY CERTIFICATE: Any Certificate registered in the name of the
Depository or its nominee, and designated as such in the Preliminary Statement
to the Series Supplement.
BUSINESS DAY: Any day other than (i) a Saturday or a Sunday or (ii) a
day on which banking institutions in the State of New York, the State of
Michigan, the State of California or the State of Illinois (and such other state
or states in which the Custodial Account or the Certificate Account are at the
time located) are required or authorized by law or executive order to be closed.
BUYDOWN FUNDS: Any amount contributed by the seller of a Mortgaged
Property, the Company or other source in order to enable the Mortgagor to reduce
the payments required to be made from the Mortgagor's funds in the early years
of a Mortgage Loan. Buydown Funds are not part of the Trust Fund prior to
deposit into the Custodial or Certificate Account.
5
<PAGE>
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).
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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.]
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<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.
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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.
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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
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<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
==================
- ------------------
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]
==================
- ------------------
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>
Exhibit FIVE
STANDARD TERMS OF POOLING AND SERVICING
AGREEMENT DATED AS OF DECEMBER 1, 1999
FORM OF CLASS IO CERTIFICATE
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A
"REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE
TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL
REVENUE CODE OF 1986.
THE FOLLOWING INFORMATION IS PROVIDED SOLELY FOR THE PURPOSES OF
APPLYING THE U.S. FEDERAL INCOME TAX ORIGINAL ISSUE DISCOUNT ("OID") RULES TO
THIS CERTIFICATE. THE ISSUE DATE OF THIS CERTIFICATE IS FEBRUARY 29, 2000.
ASSUMING THAT THE MORTGAGE LOANS PREPAY AT 225% 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 $____________ OF NOTIONAL
AMOUNT, THE YIELD TO MATURITY IS ____% AND THE AMOUNT OF OID ATTRIBUTABLE TO THE
INITIAL ACCRUAL PERIOD IS NO MORE THAN $____________ PER $____________ OF
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.
<PAGE>
<TABLE>
<CAPTION>
- -----------------------------------------------------------------------------------------------
Certificate No. 1
- -----------------------------------------------------------------------------------------------
Class IO-___ Senior
- -----------------------------------------------------------------------------------------------
Date of Pooling and Servicing Agreement and Percentage Interest: 100%
Cut-off Date:
February 1, 2000
- -----------------------------------------------------------------------------------------------
<S> <C>
First Distribution Date: 0.7778% Initial Pass-Through Rate based on a
March 25, 2000 Notional Amount
- -----------------------------------------------------------------------------------------------
Master Servicer:
Residential Funding Corporation
- -----------------------------------------------------------------------------------------------
Assumed Final Distribution Date:
February 25, 2030
- -----------------------------------------------------------------------------------------------
</TABLE>
MORTGAGE PASS-THROUGH CERTIFICATE
SERIES 2000-QS2
evidencing a percentage interest in the distributions allocable to the
Class IO-___ 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 Notional Amount of this Certificate by the aggregate Initial
Notional Amounts of all Class IO-___ Certificates) 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
Series Supplement, dated as of February 1, 2000, to the Standard Terms of
Pooling and Servicing Agreement dated as of December 1, 1999 (together, the
"Pooling and Servicing Agreement" or the "Agreement") among the Company, the
Master Servicer and Bankers Trust Company as trustee (the "Trustee"), a summary
of certain of the pertinent provisions of which is set forth hereafter. To the
extent not defined herein, the capitalized terms used herein have the meanings
assigned in the Agreement. This Certificate is issued under and is subject to
the terms, provisions and conditions of the Agreement, to which Agreement the
Holder of this Certificate by virtue of the acceptance hereof assents and by
which such Holder is bound.
<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 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, if
any, required to be distributed to Holders of Class IO-___ Certificates on such
Distribution Date. The Notional Amount of the Class IO-___ Certificates as of
any date of determination is equal to the aggregate Stated Principal Balance of
the Mortgage Loans corresponding to the Uncertificated REMIC Regular Interests
represented by such Class IO-___ Certificates. The Class IO-___ 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 Notional Amount of this Certificate is set forth above.
This Certificate is one of a duly authorized issue of
Certificates issued in several Classes designated as Mortgage 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.
<PAGE>
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.
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
<PAGE>
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.
<PAGE>
IN WITNESS WHEREOF, the Trustee has caused this Certificate to be
duly executed.
Dated: February 29, 2000 BANKERS TRUST COMPANY, as
Trustee
By:
Authorized Signatory
CERTIFICATE OF AUTHENTICATION
This is one of the Class IO-___ Certificates referred to in the
within-mentioned Agreement.
BANKERS TRUST COMPANY, as
Certificate Registrar
By:
Authorized Signatory
<PAGE>
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and
transfer(s) unto (Please print or typewrite name and address including postal
zip code of assignee) a Percentage Interest evidenced by the within Mortgage
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>
