Common use of Loan Rates Clause in Contracts

Loan Rates. Percent of Initial HELs by Number of Cut-Off Date Cut-Off Date Range of Junior Ratios (%) Initial HELs Balance Balance __________________________ ____________ ___________ _______________ 0.001% to 8.000% 30 $335,094.26 0.84% 8.001% to 9.000% 18 569,409.50 1.43% 9.001% to 10.000% 605 16,270,524.75 40.74% 10.001% to 11.000% 536 13,983,747.56 35.02% 11.001% to 12.000% 264 6,596,577.75 16.52% 12.001% to 13.000% 81 2,119,921.04 5.31% 13.001% to 14.000% 1 27,800.00 0.07% 16.001% to 17.000% 1 29,993.64 0.08% ______ _____________ _______ Total 1,536 $39,933,068.50 100.00% The weighted average Loan Rate as of the Cut-Off Date is approximately 10.41%. Recipients of these Computational Materials must read and acknowledge the attached document "STATEMENT REGARDING ASSUMPTIONS AS TO SECURITIES, PRICING ESTIMATES, AND OTHER INFORMATION" before using or relying on the information contained herein. In addition, recipients of these Computational Materials may only use or rely on the information contained herein if read in conjunction with the related Prospectus and Prospectus Supplement. If you have not received the statement described above or the related Prospectus and Prospectus Supplement, please contact your account executive at Bear, Xxxxxxx & Co. Inc. BEAR XXXXXXX 12 ------------------------------------------------------------------------------ GMACM Home Equity Loan Trust 2000-HE1 ------------------------------------------------------------------------------ THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT ------------------------------------------------------------------------------ Months Remaining to Scheduled Maturity Percent of Initial HELs Number of Cut-Off Date by Cut-Off Date Range of Months Initial HELs Balance Balance _______________ ____________ _____________ ______________ 0 to 60 169 $2,549,072.00 6.38% 61 to 120 405 8,571,768.72 21.47% 121 to 180 753 21,803,986.42 54.60% 181 to 240 188 6,220,002.76 15.58% 241 to 300 7 213,436.47 0.53% 301 + 14 574,802.13 1.44% _____ _____________ ______ Total 1,536 $39,933,068.50 100.00% The weighted average months remaining to scheduled maturity as of the Cut-Off Date is approximately 162 months. Lien Priority Percent of Initial HELs Number of Cut-Off Date by Cut-Off Date Lien Position Initial HELs Balance Balance _______________ ______________ _____________ ______________ First 32 $1,063,235.31 2.66% Second 1,504 38,869,833.19 97.34% _____ _____________ ______ Total 1,536 $39,933,068.50 100.00% Origination Year Percent of Initial HELs Number of Cut-Off Date by Cut-Off Date Origination Year Initial HELs Balance Balance ________________ ______________ _____________ ______________ 1997 2 $ 37,867.16 0.09% 1999 1,403 35,907,815.07 89.92% 2000 131 3,987,386.27 9.99% _____ ______________ ______ Total 1,536 $39,933,068.50 100.00% Debt-to-Income Ratios Percent of Initial HELs Range of Debt-to-Income Number of Cut-Off Date by Cut-Off Date Ratios (%) Initial HELs Balance Balance ________________ ______________ _____________ ______________ 0.00% 9.99% 6 $180,450.20 0.45% 10.00% 19.99% 47 1,140,738.56 2.86% 20.00% 29.99% 258 5,765,240.38 14.44% 30.00% 39.99% 488 12,424,866.26 31.11% 40.00% 49.99% 642 17,608,829.31 44.10% 50.00% 59.99% 86 2,490,557.96 6.24% 60.00% 69.99% 9 322,385.83 0.81% _____ _____________ _______ Total 1,536 $39,933,068.50 100.00% Recipients of these Computational Materials must read and acknowledge the attached document "STATEMENT REGARDING ASSUMPTIONS AS TO SECURITIES, PRICING ESTIMATES, AND OTHER INFORMATION" before using or relying on the information contained herein. In addition, recipients of these Computational Materials may only use or rely on the information contained herein if read in conjunction with the related Prospectus and Prospectus Supplement. If you have not received the statement described above or the related Prospectus and Prospectus Supplement, please contact your account executive at Bear, Xxxxxxx & Co. Inc. BEAR XXXXXXX 13 ------------------------------------------------------------------------------ GMACM Home Equity Loan Trust 2000-HE1 ------------------------------------------------------------------------------ THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT ------------------------------------------------------------------------------ Documentation Type Percent of Initial HELs Number of Cut-Off Date by Cut-Off Date Documentation Initial HELs Balance Balance ________________ ______________ _____________ ______________ Standard 980 $27,240,091.44 68.21% No Income No Appraisal 350 7,705,140.22 19.30% No Income Verification 90 2,471,670.73 6.19% Family First Direct 93 1,883,810.91 4.72% Super Express 14 308,783.15 0.77% Select 5 223,748.82 0.56% GM Expanded FAM 3 80,057.18 0.20% Streamline 1 19,766.05 0.05% _____ _____________ ______ Total 1,536 $39,933,068.50 100.00% The information set forth in the preceding sections is based upon information provided by the Seller and tabulated by the Depositor. The Depositor makes no representation as to the accuracy or completeness of such information. Recipients of these Computational Materials must read and acknowledge the attached document "STATEMENT REGARDING ASSUMPTIONS AS TO SECURITIES, PRICING ESTIMATES, AND OTHER INFORMATION" before using or relying on the information contained herein. In addition, recipients of these Computational Materials may only use or rely on the information contained herein if read in conjunction with the related Prospectus and Prospectus Supplement. If you have not received the statement described above or the related Prospectus and Prospectus Supplement, please contact your account executive at Bear, Xxxxxxx & Co. Inc. ------------------------------------------------------------------------------ GMACM Home Equity Loan Trust 2000-HE1 ------------------------------------------------------------------------------ SENSITIVITY TABLES Class A-3 (to call) ------------------------------------------------------------------------------- PPC HELs 0% 50% 75% 100% 125% 150% 175% ------------------------------------------------------------------------------- Average Life (years) 8.23 4.79 3.78 3.07 2.57 2.20 1.92 Modified Duration (years) 5.55 3.60 2.98 2.51 2.16 1.89 1.68 First Principal Payment 7/25/00 7/25/00 7/25/00 7/25/00 7/25/00 7/25/00 7/25/00 Last Principal Payment 12/25/12 6/25/10 9/25/08 2/25/07 12/25/05 1/25/05 5/25/04 Principal Lockout(months) 4 4 4 4 4 4 4 Principal Window (months) 150 120 99 80 66 55 47 Illustrative Yield @ Par (30/360) 8.02% 7.97% 7.94% 7.90% 7.87% 7.83% 7.80% Class A-3 (to maturity) ------------------------------------------------------------------------------- PPC-HEIs 0% 50% 75% 100% 125% 150% 175% ------------------------------------------------------------------------------- Average Life (years) 8.26 4.92 3.96 3.25 2.74 2.35 2.04 Modified Duration (years) 5.56 3.65 3.06 2.60 2.26 1.98 1.76 First Principal Payment 7/25/00 7/25/00 7/25/00 7/25/00 7/25/00 7/25/00 7/25/00 Last Principal Payment 8/25/13 6/25/13 3/25/13 7/25/12 5/25/11 1/25/10 10/25/08 Principal Lockout(months) 4 4 4 4 4 4 4 Principal Window (months) 158 156 153 145 131 115 100 Illustrative Yield @ Par (30/360) 8.02% 7.98% 7.95% 7.93% 7.90% 7.87% 7.83% Recipients of these Computational Materials must read and acknowledge the attached document "STATEMENT REGARDING ASSUMPTIONS AS TO SECURITIES, PRICING ESTIMATES, AND OTHER INFORMATION" before using or relying on the information contained herein. In addition, recipients of these Computational Materials may only use or rely on the information contained herein if read in conjunction with the related Prospectus and Prospectus Supplement. If you have not received the statement described above or the related Prospectus and Prospectus Supplement, please contact your account executive at Bear, Xxxxxxx & Co. Inc. ------------------------------------------------------------------------------ GMACM Home Equity Loan Trust 2000-HE1 ------------------------------------------------------------------------------ PERCENTAGE OF INITIAL CLASS A-3 TERM NOTE BALANCE (1)(2)(3) Payment Date Percentage of Balance _________________________________________________ PPC - HELs 0% 50% 75% 100% 125% 150% 175% _________________________________________________ Initial................... 100 100 100 100 100 100 100 February 2001.............. 96 90 86 83 79 75 71 February 2002.............. 92 75 67 59 51 44 38 February 2003............. 88 62 51 42 34 26 20 February 2004.............. 83 51 39 30 22 16 11 February 2005.............. 77 42 30 21 14 9 5 February 2006.............. 71 34 22 14 9 5 3 February 2007.............. 64 27 16 10 5 3 1 February 2008.............. 57 21 12 6 3 1 * February 2009.............. 49 16 8 4 2 * 0 February 2010.............. 40 11 5 2 1 0 0 February 2011.............. 30 7 3 1 * 0 0 February 2012.............. 19 4 1 * 0 0 0 February 2013.............. 6 1 * 0 0 0 0 Weighted Average Life to 10% call (years).......... 8.23 4.79 3.78 3.07 2.57 2.20 1.92 Weighted Average Life to maturity (years).......... 8.26 4.92 3.96 3.25 2.74 2.35 2.04

Loan Rates. Percent of Initial HELs by Number of Cut-Off Date by Range of Loan Initial HELs Balance Cut-Off Date Range of Junior Ratios (%Rates(%) Initial HELs Balance Balance __________________________ ____________ ___________ _______________ 0.001% to 8.000% 30 $335,094.26 0.84% 8.001% to 9.000% 18 569,409.50 1.43% 9.001% to 10.000% 605 16,270,524.75 40.74% 10.001% to 11.000% 536 13,983,747.56 35.02% 11.001% to 12.000% 264 6,596,577.75 16.52% 12.001% to 13.000% 81 2,119,921.04 5.31% 13.001% to 14.000% 1 27,800.00 0.07% 16.001% to 17.000% 1 29,993.64 0.08% ______ _____________ _______ Total 1,536 $39,933,068.50 100.00% The weighted average Loan Rate of the Initial HELs as of the Cut-Off Date is approximately 10.41%. Recipients of these Computational Materials must read and acknowledge the attached document "STATEMENT REGARDING ASSUMPTIONS AS TO SECURITIES, PRICING ESTIMATES, AND OTHER INFORMATION" before using or relying on the information contained herein. In addition, recipients of these Computational Materials may only use or rely on the information contained herein if read in conjunction with the related Prospectus and Prospectus Supplement. If you have not received the statement described above or the related Prospectus and Prospectus Supplement, please contact your account executive at Bear, Xxxxxxx & Co. Inc. BEAR XXXXXXX 12 ------------------------------------------------------------------------------ ------------------------------------------------------------------------------- GMACM Home Equity Loan Trust 2000-HE1 ------------------------------------------------------------------------------ ------------------------------------------------------------------------------- THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT ------------------------------------------------------------------------------ ------------------------------------------------------------------------------- Months Remaining to Scheduled Maturity Percent of Initial HELs Number of Cut-Off Date by Cut-Off Date Range of Months Initial HELs Balance Cut-Off Date Balance _______________ ____________ _____________ ______________ 0 to 60 169 $2,549,072.00 6.38% 61 to 120 405 8,571,768.72 21.47% 121 to 180 753 21,803,986.42 54.60% 181 to 240 188 6,220,002.76 15.58% 241 to 300 7 213,436.47 0.53% 301 + 14 574,802.13 1.44% _____ _____________ ______ Total 1,536 $39,933,068.50 100.00% The weighted average months remaining to scheduled maturity of the Initial HELs as of the Cut-Off Date is approximately 162 months. Lien Priority Percent of Initial HELs Number of Cut-Off Date by Cut-Off Date Lien Position Initial HELs Balance Cut-Off Date Balance _______________ ______________ _____________ ______________ First 32 $1,063,235.31 2.66% Second 1,504 38,869,833.19 97.34% _____ _____________ ______ Total 1,536 $39,933,068.50 100.00% Origination Year Percent of Initial HELs Number of Cut-Off Date by Origination Initial Balance Cut-Off Date Origination Year Initial HELs Balance Balance ________________ ______________ _____________ ______________ 1997 2 $ $37,867.16 0.09% 1999 1,403 35,907,815.07 89.92% 2000 131 3,987,386.27 9.99% _____ ______________ ______ Total 1,536 $39,933,068.50 100.00% Debt-to-Income Ratios Percent of Number of Cut-Off Date Initial HELs by Range of Debt-to-Income Number of Cut-Off Date by Initial HELs Balance Cut-Off Date Ratios (%) Initial HELs Balance Balance ________________ ______________ _____________ ______________ 0.00% 9.99% 6 $180,450.20 0.45% 10.00% 19.99% 47 1,140,738.56 2.86% 20.00% 29.99% 258 5,765,240.38 14.44% 30.00% 39.99% 488 12,424,866.26 1 2,424,866.26 31.11% 40.00% 49.99% 642 17,608,829.31 1 7,608,829.31 44.10% 50.00% 59.99% 86 2,490,557.96 6.24% 60.00% 69.99% 9 322,385.83 0.81% _____ _____________ _______ Total 1,536 $39,933,068.50 100.00% Recipients of these Computational Materials must read and acknowledge the attached document "STATEMENT REGARDING ASSUMPTIONS AS TO SECURITIES, PRICING ESTIMATES, AND OTHER INFORMATION" before using or relying on the information contained herein. In addition, recipients of these Computational Materials may only use or rely on the information contained herein if read in conjunction with the related Prospectus and Prospectus Supplement. If you have not received the statement described above or the related Prospectus and Prospectus Supplement, please contact your account executive at Bear, Xxxxxxx & Co. Inc. BEAR XXXXXXX 13 ------------------------------------------------------------------------------ ------------------------------------------------------------------------------- GMACM Home Equity Loan Trust 2000-HE1 ------------------------------------------------------------------------------ ------------------------------------------------------------------------------- THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT ------------------------------------------------------------------------------ ------------------------------------------------------------------------------- Documentation Type Percent of Initial HELs Number of Cut-Off Initial HELs Documentation Initial HELs Date Balance by Cut-Off Date Documentation Initial HELs Balance Balance ________________ ______________ _____________ ______________ Standard 980 $27,240,091.44 68.21% No Income No Appraisal 350 7,705,140.22 19.30% No Income Verification 90 2,471,670.73 6.19% Family First Direct 93 1,883,810.91 4.72% Super Express 14 308,783.15 0.77% Select 5 223,748.82 0.56% GM Expanded FAM 3 80,057.18 0.20% Streamline 1 19,766.05 0.05% _____ _____________ ______ Total 1,536 1,536l $39,933,068.50 100.00% The information set forth in the preceding sections is based upon information provided by the Seller and tabulated by the Depositor. The Depositor makes no representation as to the accuracy or completeness of such information. Recipients of these Computational Materials must read and acknowledge the attached document "STATEMENT REGARDING ASSUMPTIONS AS TO SECURITIES, PRICING ESTIMATES, AND OTHER INFORMATION" before using or relying on the information contained herein. In addition, recipients of these Computational Materials may only use or rely on the information contained herein if read in conjunction with the related Prospectus and Prospectus Supplement. If you have not received the statement described above or the related Prospectus and Prospectus Supplement, please contact your account executive at Bear, Xxxxxxx & Co. Inc. ------------------------------------------------------------------------------ BEAR XXXXXXX ------------------------------------------------------------------------------- GMACM Home Equity Loan Trust 2000-HE1 ------------------------------------------------------------------------------ ------------------------------------------------------------------------------- SENSITIVITY TABLES Class A-3 A-1 (to call) ------------------------------------------------------------------------------- PPC HELs 0% 50% 75% 100% 125% 150% 175% ------------------------------------------------------------------------------- Average Life (years) 8.23 4.79 3.78 3.07 2.57 2.20 1.92 Modified Duration (years) 5.55 3.60 2.98 2.51 2.16 1.89 1.68 First Principal Payment 7/25/00 7/25/00 7/25/00 7/25/00 7/25/00 7/25/00 7/25/00 Last Principal Payment 12/25/12 6/25/10 9/25/08 2/25/07 12/25/05 1/25/05 5/25/04 Principal Lockout(months) 4 4 4 4 4 4 4 Principal Window (months) 150 120 99 80 66 55 47 Illustrative Yield @ Par (30/360) 8.02% 7.97% 7.94% 7.90% 7.87% 7.83% 7.80% Class A-3 (to maturity) ------------------------------------------------------------------------------- PPC-HEIs 0% 50% 75% 100% 125% 150% 175% ------------------------------------------------------------------------------- Average Life (years) 8.26 4.92 3.96 3.25 2.74 2.35 2.04 Modified Duration (years) 5.56 3.65 3.06 2.60 2.26 1.98 1.76 First Principal Payment 7/25/00 7/25/00 7/25/00 7/25/00 7/25/00 7/25/00 7/25/00 Last Principal Payment 8/25/13 6/25/13 3/25/13 7/25/12 5/25/11 1/25/10 10/25/08 Principal Lockout(months) 4 4 4 4 4 4 4 Principal Window (months) 158 156 153 145 131 115 100 Illustrative Yield @ Par (30/360) 8.02% 7.98% 7.95% 7.93% 7.90% 7.87% 7.83% -------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------- * Assumes in the case of HEGOCs, a Gross CPR as disclosed above less a constant draw rate of 10'%, and in the case of the HELs, the percentage of the prepayment assumption disclosed above. Recipients of these Computational Materials must read and acknowledge the attached document "STATEMENT REGARDING ASSUMPTIONS AS TO SECURITIES, PRICING ESTIMATES, AND OTHER INFORMATION" before using or relying on the information contained herein. In addition, recipients of these Computational Materials may only use or rely on the information contained herein if read in conjunction with the related Prospectus and Prospectus Supplement. If you have not received the statement described above or the related Prospectus and Prospectus Supplement, please contact your account executive at Bear, Xxxxxxx & Co. Inc. ------------------------------------------------------------------------------ BEAR XXXXXXX ------------------------------------------------------------------------------- GMACM Home Equity Loan Trust 2000-HE1 ------------------------------------------------------------------------------ PERCENTAGE OF INITIAL CLASS A-3 TERM NOTE BALANCE ------------------------------------------------------------------------------- SENSITIVITY TABLES Class A-1 (1)(2)(3to maturity) Payment Date Percentage of Balance _________________________________________________ PPC -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Gross CPR 10% 25% 30% 35% 40% 45% 50% - HELOCs PPC- HELs 0% 50% 75% 100% 125% 150% 175% _________________________________________________ Initial................... 100 100 100 100 100 100 100 February 2001.............. 96 90 86 83 79 75 71 February 2002.............. 92 75 67 59 51 44 38 February 2003............. 88 62 51 42 34 26 20 February 2004.............. 83 51 39 30 22 16 11 February 2005.............. 77 42 30 21 14 9 5 February 2006.............. 71 34 22 14 9 5 3 February 2007.............. 64 27 16 10 5 3 1 February 2008.............. 57 21 12 6 3 1 * February 2009.............. 49 16 8 4 2 * 0 February 2010.............. 40 11 5 2 1 0 0 February 2011.............. 30 7 3 1 * 0 0 February 2012.............. 19 4 1 * 0 0 0 February 2013.............. 6 1 * 0 0 0 0 Weighted -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Average Life (years) 8.44 4.76 4.10 3.58 3.18 2.86 2.59 Modified Duration (years) 6.17 3.83 3.37 3.01 2.72 2.48 2.28 First Principal Payment 3/25/01 3/25/01 3/25/01 3/25/01 3/25/01 3/25/01 3/25/01 Last Principal Payment 9/25/15 4/25/15 8/25/14 7/25/13 2/25/12 9/25/10 6/25/09 Principal Lockout 12 12 12 12 12 12 12 (months) Principal Window (months) 175 170 162 149 132 115 100 Illustrative Yield @ Par 30/360 6.30% 6.30% 6.30% 6.30% 6.30% 6.30% 6.30% -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Class A-2 (to maturity) -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Gross CPR 10% call 25% 30% 35% 40% 45% 50% - HELOCs PPC- HELs 0% 50% 75% 100% 125% 150% 175% -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 40 * Assumes in the case of HELOCs, a Gross CPR as disclosed above less a constant draw rate of 10%, and in the case of tire HEGs, the percentage of the prepayment assumption disclosed above. Recipients of these Computational Materials must read and acknowledge the attached document "STATEMENT REGARDING ASSUMPTIONS AS TO SECURITIES, PRICING ESTIMATES, AND OTHER INFORMATION" before using or relying on the information contained herein. In addition, recipients of these Computational Materials may only use or rely on the information contained herein if read in conjunction with the related Prospectus and Prospectus Supplement. If you have not received the statement described above or the related Prospectus and Prospectus Supplement, please contact your account executive at Bear, Xxxxxxx & Co. Inc. BEAR XXXXXXX ------------------------------------------------------------------------------- GMACM Home Equity Loan Trust 2000-HE1 ------------------------------------------------------------------------------- SENSITIVITY TABLES PERCENTAGE OF INITIAL CLASS A-1 TERM NOTE BALANCE (years).......... 8.23 4.79 3.78 3.07 2.57 2.20 1.92 Weighted Average Life to maturity (years).......... 8.26 4.92 3.96 3.25 2.74 2.35 2.041)(2)(3) Payment Date Percentage of Balance ----------------------------------------

Loan Rates. Percent of Initial HELs by Subgroup 2 Number of Cut-Off Date HELOCs by Range of Loan Initial Balance Cut-Off Date Range of Junior Ratios (%Rates(%) Initial HELs Subgroup 2 Balance Balance __________________________ ____________ ___________ _______________ HELOCs 0.001% to 8.000% 30 161 $335,094.26 0.8415,053,324.77 85.40% 8.001% to 9.000% 18 569,409.50 1.433 219,328.02 1.24% 9.001% to 10.000% 605 16,270,524.75 40.7413 686,075.21 3.89% 10.001% to 11.000% 536 13,983,747.56 35.0210 791,314.45 4.49% 11.001% to 12.000% 264 6,596,577.75 16.526 397,505.30 2.26% 12.001% to 13.000% 81 2,119,921.04 5.312 139,446.62 0.79% 13.001% to 14.000% 1 27,800.00 0.073 339,883.64 1.93% 16.001% to 17.000% 1 29,993.64 0.08% ______ _____________ _______ Total 1,536 198 $39,933,068.50 17,626,878.01 100.00% The weighted average Loan Rate of the Initial Subgroup 2 HELOCs as of the Cut-Off Date is approximately 10.417.27%. Recipients of these Computational Materials must read and acknowledge the attached document "STATEMENT REGARDING ASSUMPTIONS AS TO SECURITIES, PRICING ESTIMATES, AND OTHER INFORMATION" before using or relying on the information contained herein. In addition, recipients of these Computational Materials may only use or rely on the information contained herein if read in conjunction with the related Prospectus and Prospectus Supplement. If you have not received the statement described above or the related Prospectus and Prospectus Supplement, please contact your account executive at Bear, Xxxxxxx & Co. Inc. BEAR XXXXXXX 12 ------------------------------------------------------------------------------ ------------------------------------------------------------------------------- GMACM Home Equity Loan Trust 2000-HE1 ------------------------------------------------------------------------------ ------------------------------------------------------------------------------- THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT ------------------------------------------------------------------------------ ------------------------------------------------------------------------------- Fully Indexed Gross Margin Percent of Initial Subgroup 2 Number of Cut-Off Date HELOCs by Range of Fully Indexed Initial Balance Cut-Off Date Gross Margins(%) Subgroup 2 Balance HELOCs Less 0.000% 1 $20,500.00 0.12% than 0.000% to 1.000% 126 12,157,132.77 68.97% 1.001% to 2.000% 42 2,861,822.56 16.24% 2.001% to 3.000% 14 1,126,806.54 6.39% 3.001% to 4.000% 10 991,365.56 5.62% 4.001% to 5.000% 5 469,250.58 2.66% Total 198 $17,626,878.01 100.00% The weighted average fully indexed gross margin of the Initial Subgroup 2 HELOCs as of the Cut-Off Date is approximately 1.14% per annum. Credit Utilization Rates Percent of Initial Subgroup 2 Number of Cut-Off Date HELOCs by Range of Credit Initial Balance Cut-Off Date Utilization Rates (%) Subgroup 2 Balance HELOCs 0.01% to 30.00% 52 $960,807.51 5.45% 30.01% to 35.00% 10 633,580.26 3.59% 35.01% to 40.00% 4 211,540.28 1.20% 40.01% to 45.00% 6 423,930.28 2.41% 45.01% to 50.00% 4 326,272.78 1.85% 50.01% to 55.00% 6 433,135.42 2.46% 55.01% to 60.00% 7 737,180.24 4.18% 60.01% to 65.00% 7 916,775.70 5.20% 65.01% to 70.00% 5 510,677.35 2.90% 70.01% to 75.00% 7 689,350.36 3.91% 75.01% to 80.00% 7 1,045,158.49 5.93% 80.01% to 85.00% 8 984,307.99 5.58% 85.01% to 90.00% 3 356,581.94 2.02% 90.01% to 95.00% 6 741,767.76 4.21% 95.01% to 100.00% 66 8,655,811.65 49.11% Total 198 $17,626,878.01 100.00% The weighted average Credit Utilization Rate based on the Cut-Off Date Credit Limit of the Initial Subgroup 2 HELOCs as of the Cut-Off Date is approximately 80.00%. Recipients of these Computational Materials must read and acknowledge the attached document "STATEMENT REGARDING ASSUMPTIONS AS TO SECURITIES, PRICING ESTIMATES, AND OTHER INFORMATION" before using or relying on the information contained herein. In addition, recipients of these Computational Materials may only use or rely on the information contained herein if read in conjunction with the related Prospectus and Prospectus Supplement. If you have not received the statement described above or the related Prospectus and Prospectus Supplement, please contact your account executive at Bear, Xxxxxxx & Co. Inc. BEAR XXXXXXX ------------------------------------------------------------------------------- GMACM Home Equity Loan Trust 2000-HE1 ------------------------------------------------------------------------------- THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT ------------------------------------------------------------------------------- Credit Limits Percent of Initial Subgroup 2 Number of Cut-Off Date HELOCs by Range of Credit Limits Initial Balance Cut-Off Date ($) Subgroup 2 Balance HELOCs $0.01 To $25,000.00 1 $12,000.00 0.07% $25,000.01 To $50,000.00 25 690,462.06 3.92% $50,000.01 To $75,000.00 12 612,005.29 3.47% $75,000.01 To $100,000.00 37 1,882,041.37 10.68% $100,000.01To $125,000.00 2 241,649.60 1.37% $125,000.01To $150,000.00 56 5,218,915.43 29.61% $150,000.01To $175,000.00 8 825,565.86 4.68% $175,000.01To $200,000.00 20 1,882,564.77 10.68% $200,000.01To $225,000.00 9 1,563,706.64 8.87% $225,000.01To $250,000.00 19 2,507,676.31 14.23% $250,000.01To $275,000.00 2 511,302.89 2.90% $275,000.01To $300,000.00 2 94,224.69 0.53% $425,000.01To $450,000.00 1 27,416.33 0.16% $575,000.01To $600,000.00 1 325,175.50 1.84% $650,000.01To $675,000.00 1 500,000.00 2.84% $675,000.01To $700,000.00 1 236,860.05 1.34% $775,000.01To $800,000.00 1 495,311.22 2.81% Total 198 $17,626,878.01 100.00% The average of the Credit Limits of the Initial Subgroup 2 HELOCs as of the Cut-Off Date is approximately $150,210.61. Maximum Loan Rates Percent of Initial Subgroup 2 Number of Cut-Off Date HELOCs by Maximum Loan Rates Initial Balance Cut-Off Date (%) Subgroup 2 Balance HELOCs 14.001% to 15.000% 1 $45,282.85 0.26% 15.001% to 16.000% 1 90,499.65 0.51% 17.001% to 18.000% 76 5,551,525.84 31.49% 18.001% to 19.000% 120 11,939,569.67 67.74% Total 198 $17,626,878.01 100.00% The weighted average Maximum Loan Rate of the Initial Subgroup 2 HELOCs as of the Cut-Off Date is approximately 18.32%. Months Remaining to Scheduled Maturity Percent of Initial HELs Subgroup 2 Number of Cut-Off Date HELOCs by Range of Months Initial Balance Cut-Off Date Range of Months Initial HELs Subgroup 2 Balance Balance _______________ ____________ _____________ ______________ 0 to 60 169 $2,549,072.00 6.38% HELOCs 61 to 120 405 8,571,768.72 21.47132 $11,474,882.33 65.10% 121 to 180 753 21,803,986.42 54.60% 181 to 240 188 6,220,002.76 15.5815 1,522,270.25 8.64% 241 to 300 7 213,436.47 0.5350 4,479,725.43 25.41% 301 + 14 574,802.13 1.441 150,000.00 0.85% _____ _____________ ______ Total 1,536 198 $39,933,068.50 17,626,878.01 100.00% The weighted average months remaining to scheduled maturity of the Initial Subgroup 2 HELOCs as of the Cut-Off Date is approximately 162 170 months. Lien Priority Recipients of these Computational Materials must read and acknowledge the attached document "STATEMENT REGARDING ASSUMPTIONS AS TO SECURITIES, PRICING ESTIMATES, AND OTHER INFORMATION" before using or relying on the information contained herein. In addition, recipients of these Computational Materials may only use or rely on the information contained herein if read in conjunction with the related Prospectus and Prospectus Supplement. If you have not received the statement described above or the related Prospectus and Prospectus Supplement, please contact your account executive at Bear, Xxxxxxx & Co. Inc. BEAR XXXXXXX ------------------------------------------------------------------------------- GMACM Home Equity Loan Trust 2000-HE1 ------------------------------------------------------------------------------- THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT ------------------------------------------------------------------------------- Origination Year Percent of Initial HELs Subgroup 2 Number of Cut-Off Date HELOCs by Origination Initial Balance Cut-Off Date Lien Position Initial HELs Year Subgroup 2 Balance Balance _______________ ______________ _____________ ______________ First 32 HELOCs 1993 1 $1,063,235.31 2.666,450.00 0.04% Second 1,504 38,869,833.19 97.341998 3 31,306.00 0.18% _____ _____________ ______ 1999 171 15,897,129.41 90.19% 2000 23 1,691,992.60 9.60% Total 1,536 198l $39,933,068.50 17,626,878.01 100.00% Origination Year Lien Priority Percent of Initial HELs Subgroup 2 Number of Cut-Off Date HELOCs by Lien Initial Balance Cut-Off Date Origination Year Initial HELs Position Subgroup 2 Balance Balance ________________ ______________ _____________ ______________ 1997 2 $ 37,867.16 0.09HELOCs First 1 $136,000.00 0.77% 1999 1,403 35,907,815.07 89.92Second 197 17,490,878.01 99.23% 2000 131 3,987,386.27 9.99% _____ ______________ ______ Total 1,536 198 $39,933,068.50 17,626,878.01 100.00% Debt-to-Income Ratios Percent of Initial HELs Number of Subgroup 2 Initial Cut-Off Date HELOCs by Range of Subgroup 2 Balance Cut-Off Date Debt-to-Income Number of Cut-Off Date by Cut-Off Date Ratios HELOCs Balance (%) Initial HELs Balance Balance ________________ ______________ _____________ ______________ 0.00% 9.99% 6 1 $180,450.20 0.45248,209.28 1.41% 10.00% 19.99% 47 1,140,738.56 2.8612 1,562,187.01 8.86% 20.00% 29.99% 258 5,765,240.38 14.4431 1,929,247.31 10.94% 30.00% 39.99% 488 12,424,866.26 31.1166 6,143,095.78 34.85% 40.00% 49.99% 642 17,608,829.31 44.1074 6,242,117.66 35.41% 50.00% 59.99% 86 2,490,557.96 6.249 711,676.74 4.04% 60.00% 69.99% 9 322,385.83 0.814 640,344.23 3.63% _____ _____________ _______ 80.00% 89.99% 1 150,000.00 0.85% Total 1,536 198 $39,933,068.50 17,626,878.01 100.00% Recipients of these Computational Materials must read and acknowledge the attached document "STATEMENT REGARDING ASSUMPTIONS AS TO SECURITIES, PRICING ESTIMATES, AND OTHER INFORMATION" before using or relying on the information contained herein. In addition, recipients of these Computational Materials may only use or rely on the information contained herein if read in conjunction with the related Prospectus and Prospectus Supplement. If you have not received the statement described above or the related Prospectus and Prospectus Supplement, please contact your account executive at Bear, Xxxxxxx & Co. Inc. BEAR XXXXXXX 13 ------------------------------------------------------------------------------ ------------------------------------------------------------------------------- GMACM Home Equity Loan Trust 2000-HE1 ------------------------------------------------------------------------------ ------------------------------------------------------------------------------- THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT ------------------------------------------------------------------------------ Documentation Type ------------------------------------------------------------------------------- Teaser Expiration Month ------------------ -------------- Percent of Initial HELs Subgroup 2 Number of Cut-Off Date HELOCs by Teaser Expiration Initial Balance Cut-Off Date Month Subgroup 2 Balance HELOCs No Teaser Date 37 $2,573,553.24 14.60% Date February 23 1,892,448.44 10.74% 2000 March 2000 54 5,289,050.17 30.01% April 2000 23 1,763,903.70 10.01% May 2000 14 2,048,329.64 11.62% June 2000 34 3,133,039.39 17.77% July 2000 13 926,553.43 5.26% Total 198l $17,626,878.01 100.00% Documentation Type Percent of Initial Subgroup 2 Number of Cut-Off HELOCs by Documentation Initial HELs Date Balance Cut-Off Date Subgroup 2 Balance ________________ ______________ _____________ ______________ HELOCs Standard 980 109 $27,240,091.44 68.2110,406,116.22 59.04% Select 43 4,808,208.82 27.28% Family First Direct 25 1,339,176.94 7.60% No Income Verification 10 451,443.80 2.56% Streamline 4 373,626.47 2.12% GM EXPANDED FAM 1 146,226.13 0.83% No Income No Appraisal 350 7,705,140.22 19.30% No Income Verification 90 2,471,670.73 6.19% Family First Direct 93 1,883,810.91 4.724 90,679.63 0.51% Super Express 14 308,783.15 0.772 11,400.00 0.06% Select 5 223,748.82 0.56% GM Expanded FAM 3 80,057.18 0.20% Streamline 1 19,766.05 0.05% _____ _____________ ______ Total 1,536 198 $39,933,068.50 17,626,878.01 100.00% The information set forth in the preceding sections is based upon information provided by the Seller and tabulated by the Depositor. The Depositor makes no representation as to the accuracy or completeness of such information. Recipients of these Computational Materials must read and acknowledge the attached document "STATEMENT REGARDING ASSUMPTIONS AS TO SECURITIES, PRICING ESTIMATES, AND OTHER INFORMATION" before using or relying on the information contained herein. In addition, recipients of these Computational Materials may only use or rely on the information contained herein if read in conjunction with the related Prospectus and Prospectus Supplement. If you have not received the statement described above or the related Prospectus and Prospectus Supplement, please contact your account executive at Bear, Xxxxxxx & Co. Inc. ------------------------------------------------------------------------------ GMACM Home Equity Loan Trust 2000-HE1 ------------------------------------------------------------------------------ SENSITIVITY TABLES Class A-3 (to call) ------------------------------------------------------------------------------- PPC HELs 0% 50% 75% 100% 125% 150% 175% ------------------------------------------------------------------------------- Average Life (years) 8.23 4.79 3.78 3.07 2.57 2.20 1.92 Modified Duration (years) 5.55 3.60 2.98 2.51 2.16 1.89 1.68 First Principal Payment 7/25/00 7/25/00 7/25/00 7/25/00 7/25/00 7/25/00 7/25/00 Last Principal Payment 12/25/12 6/25/10 9/25/08 2/25/07 12/25/05 1/25/05 5/25/04 Principal Lockout(months) 4 4 4 4 4 4 4 Principal Window (months) 150 120 99 80 66 55 47 Illustrative Yield @ Par (30/360) 8.02% 7.97% 7.94% 7.90% 7.87% 7.83% 7.80% Class A-3 (to maturity) ------------------------------------------------------------------------------- PPC-HEIs 0% 50% 75% 100% 125% 150% 175% ------------------------------------------------------------------------------- Average Life (years) 8.26 4.92 3.96 3.25 2.74 2.35 2.04 Modified Duration (years) 5.56 3.65 3.06 2.60 2.26 1.98 1.76 First Principal Payment 7/25/00 7/25/00 7/25/00 7/25/00 7/25/00 7/25/00 7/25/00 Last Principal Payment 8/25/13 6/25/13 3/25/13 7/25/12 5/25/11 1/25/10 10/25/08 Principal Lockout(months) 4 4 4 4 4 4 4 Principal Window (months) 158 156 153 145 131 115 100 Illustrative Yield @ Par (30/360) 8.02% 7.98% 7.95% 7.93% 7.90% 7.87% 7.83% Recipients of these Computational Materials must read and acknowledge the attached document "STATEMENT REGARDING ASSUMPTIONS AS TO SECURITIES, PRICING ESTIMATES, AND OTHER INFORMATION" before using or relying on the information contained herein. In addition, recipients of these Computational Materials may only use or rely on the information contained herein if read in conjunction with the related Prospectus and Prospectus Supplement. If you have not received the statement described above or the related Prospectus and Prospectus Supplement, please contact your account executive at Bear, Xxxxxxx & Co. Inc. ------------------------------------------------------------------------------ BEAR XXXXXXX ------------------------------------------------------------------------------- GMACM Home Equity Loan Trust 2000-HE1 ------------------------------------------------------------------------------ PERCENTAGE ------------------------------------------------------------------------------- THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF INITIAL CLASS A-3 TERM NOTE BALANCE THE COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT ------------------------------------------------------------------------------- Initial HEL Characteristics Set forth below is a description of certain characteristics of the Initial HELs as of the Cut-Off Date. Unless otherwise specified, all principal balances of the Initial HELs are as of the Cut-Off Date and are rounded to the nearest dollar. All percentages are approximate percentages by aggregate principal balance as of the Cut-Off Date (1)(2)(3) Payment Date Percentage of Balance _________________________________________________ PPC - HELs 0% 50% 75% 100% 125% 150% 175% _________________________________________________ Initial................... 100 100 100 100 100 100 100 February 2001.............. 96 90 86 83 79 75 71 February 2002.............. 92 75 67 59 51 44 38 February 2003............. 88 62 51 42 34 26 20 February 2004.............. 83 51 39 30 22 16 11 February 2005.............. 77 42 30 21 14 9 5 February 2006.............. 71 34 22 14 9 5 3 February 2007.............. 64 27 16 10 5 3 1 February 2008.............. 57 21 12 6 3 1 * February 2009.............. 49 16 8 4 2 * 0 February 2010.............. 40 11 5 2 1 0 0 February 2011.............. 30 7 3 1 * 0 0 February 2012.............. 19 4 1 * 0 0 0 February 2013.............. 6 1 * 0 0 0 0 Weighted Average Life to 10% call (yearsexcept as indicated otherwise).......... 8.23 4.79 3.78 3.07 2.57 2.20 1.92 Weighted Average Life to maturity (years).......... 8.26 4.92 3.96 3.25 2.74 2.35 2.04.

Loan Rates. Percent of Initial HELs by Subgroup 1 Number of Cut-Off Date HELOCs by Range of Loan Initial Balance Cut-Off Date Range of Junior Ratios (%Rates(%) Initial HELs Subgroup 1 Balance Balance __________________________ ____________ ___________ _______________ HELOCs 0.001% to 8.000% 30 5,496 $335,094.26 0.84125,230,610.033 74.41% 8.001% to 9.000% 18 569,409.50 1.4391 1,837,864.80 1.09% 9.001% to 10.000% 605 16,270,524.75 40.74398 8,475,816.44 5.04% 10.001% to 11.000% 536 13,983,747.56 35.023953 8,191,588.05 4.87% 11.001% to 12.000% 264 6,596,577.75 16.52291 7,691,271.18 4.57% 12.001% to 13.000% 81 2,119,921.04 5.31364 10,861,284.87 6.45% 13.001% to 14.000% 1 27,800.00 0.07206 6,006,870.92 3.57% 16.001% to 17.000% 1 29,993.64 0.08% ______ _____________ _______ Total 1,536 7,241 $39,933,068.50 168,295,306.299 100.00% The weighted average Loan Rate of the Initial Subgroouup 1 HELOCs as of the Cut-Off Date is approximately 10.417.88%. ---------------------------- Recipients of these Computational Materials must read and acknowledge the attached document "STATEMENT REGARDING ASSUMPTIONS AS TO SECURITIES, PRICING ESTIMATES, AND OTHER INFORMATION" before using or relying on the information contained herein. In addition, recipients of these Computational Materials may only use or rely on the information contained herein if read in conjunction with the related Prospectus and Prospectus Supplement. If you have not received the statement described above or the related Prospectus and Prospectus Supplement, please contact your account executive at Bear, Xxxxxxx & Co. Inc. BEAR XXXXXXX 12 ------------------------------------------------------------------------------ ------------------------------------------------------------------------------- GMACM Home Equity Loan Trust 2000-HE1 ------------------------------------------------------------------------------ ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT ------------------------------------------------------------------------------ Months Remaining to Scheduled Maturity ------------------------------------------------------------------------------- Fully Indexed Gross Margin Percent of Initial HELs Subgroup 1 Number of Cut-Off Date HELOCs by Range of Fully Indexed Initial Balance Cut-Off Date Range of Months Initial HELs Gross Margins(%) Subgroup 1 Balance Balance _______________ ____________ _____________ ______________ 0 HELOCs Less than 0.000% 7 $243,683.80 0.14% 0.000% to 60 169 1.000% 3,152 67,069,417.07 39.85% 1.001% to 2.000% 1,831 37,261,039.86 22.14% 2.001% to 3.000% 703 19,158,396.42 11.38% 3.001% to 4.000% 691 20,048,033.61 11.91% 4.001% to 5.000% 854 24,379,167.04 14.49% 5.001% to 6.000% 3 135,568.49 0.08% Total 7,241 $2,549,072.00 6.38% 61 to 120 405 8,571,768.72 21.47% 121 to 180 753 21,803,986.42 54.60% 181 to 240 188 6,220,002.76 15.58% 241 to 300 7 213,436.47 0.53% 301 + 14 574,802.13 1.44% _____ _____________ ______ Total 1,536 $39,933,068.50 168,295,306.29 100.00% The weighted average months remaining to scheduled maturity fully indexed gross margin of the Initial Subgroup 1 HELOCs as of the Cut-Off Date is approximately 162 months. Lien Priority Percent of Initial HELs Number of Cut-Off Date by Cut-Off Date Lien Position Initial HELs Balance Balance _______________ ______________ _____________ ______________ First 32 $1,063,235.31 2.662.09% Second 1,504 38,869,833.19 97.34% _____ _____________ ______ Total 1,536 $39,933,068.50 100.00% Origination Year Percent of Initial HELs Number of Cut-Off Date by Cut-Off Date Origination Year Initial HELs Balance Balance ________________ ______________ _____________ ______________ 1997 2 $ 37,867.16 0.09% 1999 1,403 35,907,815.07 89.92% 2000 131 3,987,386.27 9.99% _____ ______________ ______ Total 1,536 $39,933,068.50 100.00% Debt-to-Income Ratios Percent of Initial HELs Range of Debt-to-Income Number of Cut-Off Date by Cut-Off Date Ratios (%) Initial HELs Balance Balance ________________ ______________ _____________ ______________ 0.00% 9.99% 6 $180,450.20 0.45% 10.00% 19.99% 47 1,140,738.56 2.86% 20.00% 29.99% 258 5,765,240.38 14.44% 30.00% 39.99% 488 12,424,866.26 31.11% 40.00% 49.99% 642 17,608,829.31 44.10% 50.00% 59.99% 86 2,490,557.96 6.24% 60.00% 69.99% 9 322,385.83 0.81% _____ _____________ _______ Total 1,536 $39,933,068.50 100.00% Recipients of these Computational Materials must read and acknowledge the attached document "STATEMENT REGARDING ASSUMPTIONS AS TO SECURITIES, PRICING ESTIMATES, AND OTHER INFORMATION" before using or relying on the information contained herein. In addition, recipients of these Computational Materials may only use or rely on the information contained herein if read in conjunction with the related Prospectus and Prospectus Supplement. If you have not received the statement described above or the related Prospectus and Prospectus Supplement, please contact your account executive at Bear, Xxxxxxx & Co. Inc. BEAR XXXXXXX 13 ------------------------------------------------------------------------------ GMACM Home Equity Loan Trust 2000-HE1 ------------------------------------------------------------------------------ THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT ------------------------------------------------------------------------------ Documentation Type Percent of Initial HELs Number of Cut-Off Date by Cut-Off Date Documentation Initial HELs Balance Balance ________________ ______________ _____________ ______________ Standard 980 $27,240,091.44 68.21% No Income No Appraisal 350 7,705,140.22 19.30% No Income Verification 90 2,471,670.73 6.19% Family First Direct 93 1,883,810.91 4.72% Super Express 14 308,783.15 0.77% Select 5 223,748.82 0.56% GM Expanded FAM 3 80,057.18 0.20% Streamline 1 19,766.05 0.05% _____ _____________ ______ Total 1,536 $39,933,068.50 100.00% The information set forth in the preceding sections is based upon information provided by the Seller and tabulated by the Depositor. The Depositor makes no representation as to the accuracy or completeness of such information. Recipients of these Computational Materials must read and acknowledge the attached document "STATEMENT REGARDING ASSUMPTIONS AS TO SECURITIES, PRICING ESTIMATES, AND OTHER INFORMATION" before using or relying on the information contained herein. In addition, recipients of these Computational Materials may only use or rely on the information contained herein if read in conjunction with the related Prospectus and Prospectus Supplement. If you have not received the statement described above or the related Prospectus and Prospectus Supplement, please contact your account executive at Bear, Xxxxxxx & Co. Inc. ------------------------------------------------------------------------------ GMACM Home Equity Loan Trust 2000-HE1 ------------------------------------------------------------------------------ SENSITIVITY TABLES Class A-3 (to call) ------------------------------------------------------------------------------- PPC HELs 0% 50% 75% 100% 125% 150% 175% ------------------------------------------------------------------------------- Average Life (years) 8.23 4.79 3.78 3.07 2.57 2.20 1.92 Modified Duration (years) 5.55 3.60 2.98 2.51 2.16 1.89 1.68 First Principal Payment 7/25/00 7/25/00 7/25/00 7/25/00 7/25/00 7/25/00 7/25/00 Last Principal Payment 12/25/12 6/25/10 9/25/08 2/25/07 12/25/05 1/25/05 5/25/04 Principal Lockout(months) 4 4 4 4 4 4 4 Principal Window (months) 150 120 99 80 66 55 47 Illustrative Yield @ Par (30/360) 8.02% 7.97% 7.94% 7.90% 7.87% 7.83% 7.80% Class A-3 (to maturity) ------------------------------------------------------------------------------- PPC-HEIs 0% 50% 75% 100% 125% 150% 175% ------------------------------------------------------------------------------- Average Life (years) 8.26 4.92 3.96 3.25 2.74 2.35 2.04 Modified Duration (years) 5.56 3.65 3.06 2.60 2.26 1.98 1.76 First Principal Payment 7/25/00 7/25/00 7/25/00 7/25/00 7/25/00 7/25/00 7/25/00 Last Principal Payment 8/25/13 6/25/13 3/25/13 7/25/12 5/25/11 1/25/10 10/25/08 Principal Lockout(months) 4 4 4 4 4 4 4 Principal Window (months) 158 156 153 145 131 115 100 Illustrative Yield @ Par (30/360) 8.02% 7.98% 7.95% 7.93% 7.90% 7.87% 7.83% Recipients of these Computational Materials must read and acknowledge the attached document "STATEMENT REGARDING ASSUMPTIONS AS TO SECURITIES, PRICING ESTIMATES, AND OTHER INFORMATION" before using or relying on the information contained herein. In addition, recipients of these Computational Materials may only use or rely on the information contained herein if read in conjunction with the related Prospectus and Prospectus Supplement. If you have not received the statement described above or the related Prospectus and Prospectus Supplement, please contact your account executive at Bear, Xxxxxxx & Co. Inc. ------------------------------------------------------------------------------ GMACM Home Equity Loan Trust 2000-HE1 ------------------------------------------------------------------------------ PERCENTAGE OF INITIAL CLASS A-3 TERM NOTE BALANCE (1)(2)(3) Payment Date Percentage of Balance _________________________________________________ PPC - HELs 0% 50% 75% 100% 125% 150% 175% _________________________________________________ Initial................... 100 100 100 100 100 100 100 February 2001.............. 96 90 86 83 79 75 71 February 2002.............. 92 75 67 59 51 44 38 February 2003............. 88 62 51 42 34 26 20 February 2004.............. 83 51 39 30 22 16 11 February 2005.............. 77 42 30 21 14 9 5 February 2006.............. 71 34 22 14 9 5 3 February 2007.............. 64 27 16 10 5 3 1 February 2008.............. 57 21 12 6 3 1 * February 2009.............. 49 16 8 4 2 * 0 February 2010.............. 40 11 5 2 1 0 0 February 2011.............. 30 7 3 1 * 0 0 February 2012.............. 19 4 1 * 0 0 0 February 2013.............. 6 1 * 0 0 0 0 Weighted Average Life to 10% call (years).......... 8.23 4.79 3.78 3.07 2.57 2.20 1.92 Weighted Average Life to maturity (years).......... 8.26 4.92 3.96 3.25 2.74 2.35 2.04per annum.