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XXXX XX XXXXXXX MORTGAGE SECURITIES, INC.,
as Depositor,
BANK OF AMERICA, N.A.,
as Servicer,
and
THE BANK OF NEW YORK,
as Trustee
POOLING AND SERVICING AGREEMENT
Dated November 21, 2000
-----------------------
Mortgage Pass-Through Certificates
Series 2000-7
================================================================================
TABLE OF CONTENTS
Page
----
PRELIMINARY STATEMENT.......................................................
ARTICLE I
DEFINITIONS
Section 1.01 Defined Terms.................................................
Section 1.02 Interest Calculations.........................................
ARTICLE II
CONVEYANCE OF MORTGAGE LOANS
ORIGINAL ISSUANCE OF CERTIFICATES
Section 2.01 Conveyance of Mortgage Loans..................................
Section 2.02 Acceptance by the Trustee of the Mortgage Loans...............
Section 2.03 Representations, Warranties and Covenants of the Servicer.....
Section 2.04 Representations and Warranties of the Depositor as to the
Mortgage Loans...............................................
Section 2.05 Designation of Interests in the REMICs........................
Section 2.06 Designation of Start-up Day...................................
Section 2.07 REMIC Certificate Maturity Date...............................
Section 2.08 Execution and Delivery of Certificates........................
ARTICLE III
ADMINISTRATION AND SERVICING
OF MORTGAGE LOANS
Section 3.01 Servicer to Service Mortgage Loans............................
Section 3.02 Subservicing; Enforcement of the Obligations of Servicer......
Section 3.03 Fidelity Bond; Errors and Omissions Insurance.................
Section 3.04 Access to Certain Documentation...............................
Section 3.05 Maintenance of Primary Mortgage Insurance Policy; Claims......
Section 3.06 Rights of the Depositor and the Trustee in Respect of the
Servicer....................................................
Section 3.07 Trustee to Act as Servicer....................................
Section 3.08 Collection of Mortgage Loan Payments; Servicer Custodial
Account; Certificate Account; and Upper-Tier Certificate
Account.....................................................
Section 3.09 Collection of Taxes, Assessments and Similar Items; Escrow
Accounts....................................................
Section 3.10 Access to Certain Documentation and Information Regarding the
Mortgage Loans..............................................
Section 3.11 Permitted Withdrawals from the Servicer Custodial Account,
Certificate Account and Upper-Tier Certificate Account......
Section 3.12 Maintenance of Hazard Insurance...............................
Section 3.13 Enforcement of Due-On-Sale Clauses; Assumption Agreements.....
Section 3.14 Realization Upon Defaulted Mortgage Loans; REO Property.......
Section 3.15 Trustee to Cooperate; Release of Mortgage Files...............
Section 3.16 Documents, Records and Funds in Possession of the Servicer to
be Held for the Trustee.....................................
Section 3.17 Servicing Compensation........................................
Section 3.18 Annual Statement as to Compliance.............................
Section 3.19 Annual Independent Public Accountants' Servicing Statement;
Financial Statements........................................
Section 3.20 Advances......................................................
Section 3.21 Modifications, Waivers, Amendments and Consents...............
Section 3.22 Reports to the Securities and Exchange Commission.............
Section 3.23 Maintenance of the Rounding Accounts; Collections Thereunder..
ARTICLE IV
SERVICER'S CERTIFICATE
Section 4.01 Servicer's Certificate........................................
ARTICLE V
PAYMENTS AND STATEMENTS TO CERTIFICATEHOLDERS;
REMIC ADMINISTRATION
Section 5.01 Distributions.................................................
Section 5.02 Priorities of Distributions...................................
Section 5.03 Allocation of Losses..........................................
Section 5.04 Statements to Certificateholders..............................
Section 5.05 Tax Returns and Reports to Certificateholders.................
Section 5.06 Tax Matters Person............................................
Section 5.07 Rights of the Tax Matters Person in Respect of the Trustee....
Section 5.08 REMIC Related Covenants.......................................
Section 5.09 Principal Distributions on the Special Retail Certificates....
ARTICLE VI
THE CERTIFICATES
Section 6.01 The Certificates..............................................
Section 6.02 Registration of Transfer and Exchange of Certificates.........
Section 6.03 Mutilated, Destroyed, Lost or Stolen Certificates.............
Section 6.04 Persons Deemed Owners.........................................
ARTICLE VII
THE DEPOSITOR AND THE SERVICER
Section 7.01 Respective Liabilities of the Depositor and the Servicer......
Section 7.02 Merger or Consolidation of the Depositor or the Servicer......
Section 7.03 Limitation on Liability of the Depositor, the Servicer and
Others......................................................
Section 7.04 Depositor and Servicer Not to Resign..........................
ARTICLE VIII
DEFAULT
Section 8.01 Events of Default.............................................
Section 8.02 Remedies of Trustee...........................................
Section 8.03 Directions by Certificateholders and Duties of Trustee During
Event of Default............................................
Section 8.04 Action upon Certain Failures of the Servicer and upon Event of
Default.....................................................
Section 8.05 Trustee to Act; Appointment of Successor......................
Section 8.06 Notification to Certificateholders............................
ARTICLE IX
THE TRUSTEE
Section 9.01 Duties of Trustee.............................................
Section 9.02 Certain Matters Affecting the Trustee.........................
Section 9.03 Trustee Not Liable for Certificates or Mortgage Loans.........
Section 9.04 Trustee May Own Certificates..................................
Section 9.05 Eligibility Requirements for Trustee..........................
Section 9.06 Resignation and Removal of Trustee............................
Section 9.07 Successor Trustee.............................................
Section 9.08 Merger or Consolidation of Trustee............................
Section 9.09 Appointment of Co-Trustee or Separate Trustee.................
Section 9.10 Authenticating Agents.........................................
Section 9.11 Trustee's Fees and Expenses...................................
Section 9.12 Appointment of Custodian......................................
Section 9.13 Paying Agents.................................................
Section 9.14 Limitation of Liability.......................................
Section 9.15 Trustee May Enforce Claims Without Possession of Certificates.
Section 9.16 Suits for Enforcement.........................................
Section 9.17 Waiver of Bond Requirement....................................
Section 9.18 Waiver of Inventory, Accounting and Appraisal Requirement.....
ARTICLE X
TERMINATION
Section 10.01 Termination upon Purchase by the Depositor or Liquidation of
All Mortgage Loans..........................................
Section 10.02 Additional Termination Requirements...........................
ARTICLE XI
MISCELLANEOUS PROVISIONS
Section 11.01 Amendment.....................................................
Section 11.02 Recordation of Agreement......................................
Section 11.03 Limitation on Rights of Certificateholders....................
Section 11.04 Governing Law.................................................
Section 11.05 Notices.......................................................
Section 11.06 Severability of Provisions....................................
Section 11.07 Certificates Nonassessable and Fully Paid.....................
Section 11.08 Access to List of Certificateholders..........................
Section 11.09 Recharacterization............................................
EXHIBITS
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Exhibit A-1 Form of Face of Class A-1 Certificate
Exhibit A-2 Form of Face of Class A-2 Certificate
Exhibit A-3 Form of Face of Class A-3 Certificate
Exhibit A-4 Form of Face of Class A-4 Certificate
Exhibit A-5 Form of Face of Class A-5 Certificate
Exhibit A-6 Form of Face of Class A-6 Certificate
Exhibit A-7 Form of Face of Class A-7 Certificate
Exhibit A-8 Form of Face of Class A-8 Certificate
Exhibit A-9 Form of Face of Class A-9 Certificate
Exhibit A-10 Form of Face of Class A-10 Certificate
Exhibit A-11 Form of Face of Class A-11 Certificate
Exhibit A-12 Form of Face of Class A-12 Certificate
Exhibit A-13 Form of Face of Class A-13 Certificate
Exhibit A-14 Form of Face of Class A-14 Certificate
Exhibit A-15 Form of Face of Class A-15 Certificate
Exhibit A-16 Form of Face of Class A-16 Certificate
Exhibit A-17 Form of Face of Class A-17 Certificate
Exhibit A-18 Form of Face of Class A-18 Certificate
Exhibit A-19 Form of Face of Class A-19 Certificate
Exhibit A-20 Form of Face of Class A-20 Certificate
Exhibit A-21 Form of Face of Class A-21 Certificate
Exhibit A-22 Form of Face of Class A-22 Certificate
Exhibit A-23 Form of Face of Class A-23 Certificate
Exhibit A-24 Form of Face of Class A-24 Certificate
Exhibit A-25 Form of Face of Class A-25 Certificate
Exhibit A-PO Form of Face of Class A-PO Certificate
Exhibit A-R Form of Face of Class A-R Certificate
Exhibit A-LR Form of Face of Class A-LR Certificate
Exhibit B-1 Form of Face of Class B-1 Certificate
Exhibit B-2 Form of Face of Class B-2 Certificate
Exhibit B-3 Form of Face of Class B-3 Certificate
Exhibit B-4 Form of Face of Class B-4 Certificate
Exhibit B-5 Form of Face of Class B-5 Certificate
Exhibit B-6 Form of Face of Class B-6 Certificate
Exhibit C Form of Reverse of all Certificates.......................
Exhibit D Mortgage Loan Schedule....................................
Exhibit E Request for Release of Documents..........................
Exhibit F Form of Certification of Establishment of Account.........
Exhibit G-1 Form of Transferor's Certificate..........................
Exhibit G-2A Form 1 of Transferee's Certificate........................
Exhibit G-2B Form 2 of Transferee's Certificate........................
Exhibit H Form of Transferee Representation Letter
for ERISA Restricted Certificates.........................
Exhibit I Form of Affidavit Regarding Transfer of Residual
Certificates..............................................
Exhibit J Contents of Servicing File................................
Exhibit K Form of Special Servicing Agreement.......................
Exhibit L Principal Balance Schedules and TAC Group Balance
Schedules.................................................
POOLING AND SERVICING AGREEMENT
THIS POOLING AND SERVICING AGREEMENT, dated November 21, 2000, is
hereby executed by and among BANK OF AMERICA MORTGAGE SECURITIES, INC., as
depositor (together with its permitted successors and assigns, the "Depositor"),
BANK OF AMERICA, N.A., as servicer (together with its permitted successors and
assigns, the "Servicer"), and THE BANK OF NEW YORK, as trustee (together with
its permitted successors and assigns, the "Trustee").
W I T N E S S E T H T H A T:
- - - - - - - - - - - - - -
In consideration of the mutual agreements herein contained, the
Depositor, the Servicer and the Trustee agree as follows:
PRELIMINARY STATEMENT
In exchange for the Certificates, the Depositor hereby conveys the
Trust Estate to the Trustee to create the Trust. The Trust Estate for federal
income tax purposes will be treated as two separate real estate mortgage
investment conduits (the "Upper-Tier REMIC" and the "Lower-Tier REMIC,"
respectively, and each, a "REMIC"). The Class A Certificates (other than the
Class A-19, Class A-R and Class A-LR Certificates) and the Class B Certificates
are referred to collectively as the "Regular Certificates" and shall constitute
"regular interests" in the Upper-Tier REMIC. The Class A-19 PAC IO Component,
the Class A-19 PAC I Component, the Class A-19 TAC IO Component and the Class
A-19 TAC Component (collectively, the "Components") shall also constitute
"regular interests" in the Upper-Tier REMIC. The Uncertificated Lower-Tier
Interests shall constitute the "regular interests" in the Lower-Tier REMIC. The
Class A-R Certificate shall be the "residual interest" in the Upper-Tier REMIC
and the Class A-LR Certificate shall be the "residual interest" in the
Lower-Tier REMIC. The Certificates will represent the entire beneficial
ownership interest in the Trust. The "latest possible maturity date" for federal
income tax purposes of all interests created hereby will be the REMIC
Certificate Maturity Date.
The following table sets forth characteristics of the Certificates
and the Components, together with the minimum denominations and integral
multiples in excess thereof in which the Classes of Certificates shall be
issuable (except that one Certificate of each Class of Certificates may be
issued in any amount in excess of the minimum denomination):
===================================================================================================
Integral
Initial Class Pass- Multiples
Certificate Balance or Through Minimum in Excess
Classes Notional Amount Rate Denomination of Minimum
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Class A-1 $ 59,653,000.00 7.125% $1,000 $1
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Class A-2 $ 21,960,000.00 7.125% $1,000 $1
---------------------------------------------------------------------------------------------------
Class A-3 $ 11,000,000.00 7.125% $1,000 $1
---------------------------------------------------------------------------------------------------
Class A-4 $ 113,007,000.00 7.125% $1,000 $1
---------------------------------------------------------------------------------------------------
Class A-5 $ 1,800,000.00 8.000% $1,000 $1
---------------------------------------------------------------------------------------------------
Class A-6 $ 12,100,000.00 8.000% $1,000 $1,000
---------------------------------------------------------------------------------------------------
Class A-7 $ 8,200,000.00 8.000% $1,000 $1,000
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Class A-8 $ 8,265,000.00 8.000% $1,000 $1,000
---------------------------------------------------------------------------------------------------
Class A-9 $ 13,892,000.00 7.500% $1,000 $1
---------------------------------------------------------------------------------------------------
Class A-10 $ 6,288,000.00 7.500% $1,000 $1
---------------------------------------------------------------------------------------------------
Class A-11 $ 4,944,000.00 7.500% $1,000 $1
---------------------------------------------------------------------------------------------------
Class A-12 $ 2,360,000.00 7.500% $1,000 $1
---------------------------------------------------------------------------------------------------
Class A-13 $ 6,476,000.00 7.500% $1,000 $1
---------------------------------------------------------------------------------------------------
Class A-14 $ 9,662,000.00 7.500% $1,000 $1,000
---------------------------------------------------------------------------------------------------
Class A-15 $ 4,378,000.00 7.500% $1,000 $1
---------------------------------------------------------------------------------------------------
Class A-16 $ 15,900,000.00 8.000% $1,000 $1
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Class A-17 $ 3,735,000.00 8.000% $1,000 $1
---------------------------------------------------------------------------------------------------
Class A-18 $ 2,000,000.00 7.500% $1,000 $1,000
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Class A-19 $ 61,997,250.00 (1) $1,000 $1
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Class A-20 $ 10,011,000.00 7.750% $1,000 $1
---------------------------------------------------------------------------------------------------
Class A-21 $ 116,788,000.00 7.500% $1,000 $1
---------------------------------------------------------------------------------------------------
Class A-22 $ 8,319,085.00 7.750% $1,000 $1
---------------------------------------------------------------------------------------------------
Class A-23 $ 3,810,750.00 7.125% $1,000 $1
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Class A-24 $ 1,025,000.00 7.750% $1,000 $1
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Class A-25 $ 75,018,000.00 7.125% $1,000 $1
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Class A-PO $ 1,747,362.00 (2) $25,000 $1
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Class A-R $ 50.00 7.750% $50 N/A
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Class A-LR $ 50.00 7.750% $50 N/A
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Class B-1 $ 12,901,000.00 7.750% $25,000 $1
---------------------------------------------------------------------------------------------------
Class B-2 $ 4,501,000.00 7.750% $25,000 $1
---------------------------------------------------------------------------------------------------
Class B-3 $ 2,701,000.00 7.750% $25,000 $1
---------------------------------------------------------------------------------------------------
Class B-4 $ 1,501,000.00 7.750% $25,000 $1
---------------------------------------------------------------------------------------------------
Class B-5 $ 1,201,000.00 7.750% $25,000 $1
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Class B-6 $ 1,200,149.53 7.750% $25,000 $1
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Components Initial Component Component
Balance or Notional Rate
Amount
---------------------------------------------------------------------------------------------------
Class A-19 PAC IO $ 15,181,156.93 7.750% N/A N/A
---------------------------------------------------------------------------------------------------
Class A-19 PAC I $ 6,954,250.00 7.125% N/A N/A
---------------------------------------------------------------------------------------------------
Class A-19 TAC IO $ 3,767,354.84 7.750% N/A N/A
---------------------------------------------------------------------------------------------------
Class A-19 TAC $ 55,043,000.00 7.750% N/A N/A
===================================================================================================
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(1) The Class A-19 Certificates will be deemed for purposes of the distribution
of interest and principal to consist of four Components as described in the
table. The Components are not severable.
(2) The Class A-PO Certificates will be Principal-Only Certificates and will not
bear interest.
ARTICLE I
DEFINITIONS
Section 1.01 Defined Terms. Whenever used in this Agreement, the
following words and phrases, unless the context otherwise requires, shall have
the meanings specified in this Article:
1933 Act: The Securities Act of 1933, as amended.
Accretion Termination Date: (a) For the Class A-19 PAC I Component,
the earlier to occur of (i) the Distribution Date following the Distribution
Date on which the Class Certificate Balances of the Class A-1, Class A-2, Class
A-3, Class A-4 and Class A-25 Certificates have been reduced to zero or (ii) the
Senior Credit Support Depletion Date; (b) for the Class A-19 TAC Component, the
earlier to occur of (i) the Distribution Date following the Distribution Date on
which the Class Certificate Balance of the Class A-21 Certificates has been
reduced to zero or (ii) the Senior Credit Support Depletion Date; (c) for the
Class A-20 Certificates, the earlier to occur of (i) the Distribution Date
following the Distribution Date on which the Component Principal Balance or
Class Principal Balance of the Class A-19 TAC Component and Class A-21
Certificates, as applicable, have been reduced to zero or (ii) the Senior Credit
Support Depletion Date; and (d) for the Class A-23 Certificates, the earlier to
occur of (i) the Distribution Date following the Distribution Date on which the
Class Certificate Balances of the Class A-1, Class A-2, Class A-3, Class A-4 and
Class A-25 Certificates have been reduced to zero or (ii) the Senior Credit
Support Depletion Date.
Accrual Certificates: The Class A-20 and Class A-23 Certificates.
Accrual Components: The Class A-19 PAC I Component and the Class
A-19 TAC Component.
Accrual Distribution Amount: For any Distribution Date and the
Accrual Certificates and the Accrual Components prior to the applicable
Accretion Termination Date, an amount with respect to such Class or Component
equal to the sum of (i) the amount allocated but not currently distributable as
interest to such Class or Component pursuant to Section 5.02(a)(i) that is
attributable to clause (i) of the definition of "Interest Distribution Amount"
or "Component Interest Distribution Amount," as applicable, and (ii) the amount
allocated but not currently distributable as interest to such Class or Component
pursuant to Section 5.02(a)(i) that is attributable to clause (ii) of the
definition of "Interest Distribution Amount" or "Component Interest Distribution
Amount," as applicable.
Accrued Certificate Interest: For any Distribution Date and each
interest-bearing Class (other than the Class A-19 Certificates), one month's
interest accrued during the related Interest Accrual Period at the applicable
Pass-Through Rate on the applicable Class Certificate Balance or Notional
Amount. For any Distribution Date and the Class A-19 Certificates, the sum of
Accrued Component Interest for each Component.
Accrued Component Interest: For any Distribution Date and each
Component, one month's interest accrued during the related Interest Accrual
Period at the applicable Component Rate on the applicable Component Balance or
Notional Amount.
Adjusted Pool Amount: With respect to any Distribution Date, the
Cut-Off Date Pool Principal Balance of the Mortgage Loans minus the sum of (i)
all amounts in respect of principal received in respect of the Mortgage Loans
(including, without limitation, amounts received as Monthly Payments, Periodic
Advances, Principal Prepayments, Liquidation Proceeds and Substitution
Adjustment Amounts) and distributed to Holders of Certificates on such
Distribution Date and all prior Distribution Dates and (ii) the principal
portion of all Realized Losses (other than Debt Service Reductions) incurred on
the Mortgage Loans from the Cut-Off Date through the end of the month preceding
such Distribution Date.
Adjusted Pool Amount (PO Portion): With respect to any Distribution
Date, the sum of the amounts, calculated as follows, with respect to all
Outstanding Mortgage Loans: the product of (i) the PO Percentage for each such
Mortgage Loan and (ii) the remainder of (A) the Cut-Off Date Principal Balance
of such Mortgage Loan minus (B) the sum of (x) all amounts in respect of
principal received in respect of such Mortgage Loan (including, without
limitation, amounts received as Monthly Payments, Periodic Advances, Principal
Prepayments, Liquidation Proceeds and Substitution Adjustment Amounts) and
distributed to Holders of the Certificates on such Distribution Date and all
prior Distribution Dates and (y) the principal portion of any Realized Loss
(other than a Debt Service Reduction) incurred on such Mortgage Loan from the
Cut-Off Date through the end of the month preceding such Distribution Date.
Advance: A Periodic Advance or a Servicing Advance.
Agreement: This Pooling and Servicing Agreement together with all
amendments hereof and supplements hereto.
Amount Held for Future Distribution: As to any Distribution Date,
the total of the amounts held in the Servicer Custodial Account at the close of
business on the preceding Determination Date on account of (i) Principal
Prepayments and Liquidation Proceeds received or made in the month of such
Distribution Date and (ii) payments which represent receipt of Monthly Payments
in respect of a Due Date or Due Dates subsequent to the related Due Date.
Appraised Value: With respect to any Mortgaged Property, either (i)
the lesser of (a) the appraised value determined in an appraisal obtained by the
originator at origination of such Mortgage Loan and (b) the sales price for such
property, except that, in the case of Mortgage Loans the proceeds of which were
used to refinance an existing mortgage loan, the Appraised Value of the related
Mortgaged Property is the appraised value thereof determined in an appraisal
obtained at the time of refinancing, or (ii) the appraised value determined in
an appraisal made at the request of a Mortgagor subsequent to origination in
order to eliminate the Mortgagor's obligation to keep a Primary Insurance Policy
in force.
Assignment of Mortgage: An individual 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 give record notice of the sale of the Mortgage.
Authenticating Agents: As defined in Section 9.10.
Bankruptcy Loss: Any Deficient Valuation or Debt Service Reduction.
Bankruptcy Loss Amount: As of any Distribution Date, the Initial
Bankruptcy Loss Amount less the aggregate amount of Bankruptcy Losses previously
incurred during the period from the Cut-Off Date through the last day of the
month preceding the month of such Distribution Date; provided, however, that
such amount may be reduced from time to time with the written consent of the
Rating Agencies provided that such reduction does not result in a downgrading to
the current rating of the Certificates.
Book-Entry Certificate: All Classes of Certificates other than the
Physical Certificates.
Business Day: Any day other than (i) a Saturday or a Sunday or (ii)
a day on which banking institutions in the State of North Carolina, the State of
New York, the State of California, the State of Virginia, the state in which the
servicing offices of the Servicer is located or the state in which the Corporate
Trust Office is located are required or authorized by law or executive order to
be closed.
Certificate: Any of the Bank of America Mortgage Securities, Inc.
Mortgage Pass-Through Certificates, Series 2000-7 that are issued pursuant to
this Agreement.
Certificate Account: The separate Eligible Account created and
maintained by the Trustee pursuant to Section 3.08(c) in the name of the Trustee
for the benefit of the Certificateholders and designated "The Bank of New York,
in trust for registered holders of Bank of America Mortgage Securities, Inc.
Mortgage Pass-Through Certificates, Series 2000-7." Funds in the Certificate
Account shall be held in trust for the Certificateholders for the uses and
purposes set forth in this Agreement.
Certificate Balance: With respect to any Certificate at any date,
the maximum dollar amount of principal to which the Holder thereof is then
entitled hereunder, such amount being equal to the product of the Percentage
Interest of such Certificate and the Class Certificate Balance of the Class of
Certificates of which such Certificate is a part.
Certificate Custodian: Initially, The Bank of New York; thereafter
any other Certificate Custodian acceptable to the Depository and selected by the
Trustee.
Certificate Owner: With respect to a Book-Entry Certificate, the
Person who is the beneficial owner of a Book-Entry Certificate. With respect to
any Definitive Certificate, the Certificateholder of such Certificate.
Certificate Register: The register maintained pursuant to Section
6.02.
Certificate Registrar: The registrar appointed pursuant to Section
6.02.
Certificateholder: The Person in whose name a Certificate is
registered in the Certificate Register, except that, solely for the purpose of
giving any consent pursuant to this Agreement, any Certificate registered in the
name of the Depositor, the Servicer or any affiliate thereof shall be deemed not
to be outstanding and the Percentage Interest and Voting Rights evidenced
thereby shall not be taken into account in determining whether the requisite
amount of Percentage Interests or Voting Rights, as the case may be, necessary
to effect any such consent has been obtained, unless such entity is the
registered owner of the entire Class of Certificates, provided that the Trustee
shall not be responsible for knowing that any Certificate is registered in the
name of such an affiliate unless one of its Responsible Officers has actual
knowledge.
Class: As to the Certificates, the Class A-1, Class A-2, Class A-3,
Class A-4, Class A-5, Class A-6, Class A-7, Class A-8, Class A-9, Class A-10,
Class A-11, Class A-12, Class A-13, Class A-14, Class A-15, Class A-16, Class
A-17, Class A-18, Class A-19, Class A-20, Class A-21, Class A-22, Class A-23,
Class A-24, Class A-25, Class A-PO, Class A-R, Class A-LR, Class B-1, Class B-2,
Class B-3, Class B-4, Class B-5 and Class B-6 Certificates, as the case may be.
Class A Certificates: The Class A-1, Class A-2, Class A-3, Class
A-4, Class A-5, Class A-6, Class A-7, Class A-8, Class A-9, Class A-10, Class
A-11, Class A-12, Class A-13, Class A-14, Class A-15, Class A-16, Class A-17,
Class A-18, Class A-19, Class A-20, Class A-21, Class A-22, Class A-23, Class
A-24, Class A-25, Class A-PO, Class A-R and Class A-LR Certificates.
Class A-19 PAC I Component Loss Amount: With respect to any
Distribution Date after the Senior Credit Support Depletion Date, the amount, if
any, by which the Component Balance of the Class A-19 PAC I Component would be
reduced as a result of the allocation of any Realized Loss (other than an Excess
Loss) to such Component pursuant to Section 5.03(a)(ii)(1) or the allocation of
any reduction pursuant to Section 5.03(b) to such Component, in each case
without regard to the operation of Section 5.03(f).
Class A-19 PAC IO Notional Amount: As to any Distribution Date and
the Class A-19 PAC IO Component, 5.20967764% of the sum of the Class Certificate
Balances and Component Balance, as applicable, of the Class A-1, Class A-2,
Class A-3, Class A-4, Class A-23 and Class A-25 Certificates and the Class A-19
PAC I Component immediately prior to such date.
Class A-19 TAC Component Loss Amount: With respect to any
Distribution Date after the Senior Credit Support Depletion Date, the amount, if
any, by which the Component Balance of the Class A-19 TAC Component would be
reduced as a result of the allocation of any Realized Loss (other than an Excess
Loss) to such Component pursuant to Section 5.03(a)(ii)(1) or the allocation of
any reduction pursuant to Section 5.03(b) to such Component, in each case
without regard to the operation of Section 5.03(f).
Class A-19 TAC IO Notional Amount: As to any Distribution Date and
the Class A-19 TAC IO Component, 3.22580645% of the Class Certificate Balance of
the Class A-21 Certificates immediately prior to such date.
Class A-20 Accrual Distribution Amount: For any Distribution Date
and the Class A-20 Certificates prior to the applicable Accretion Termination
Date, an amount with respect to such Class equal to the sum of (i) the amount
allocated but not currently distributable as interest to such Class pursuant to
Section 5.02(a)(i) that is attributable to clause (i) of the definition of
"Interest Distribution Amount," and (ii) the amount allocated but not currently
distributable as interest to such Class pursuant to Section 5.02(a)(i) that is
attributable to clause (ii) of the definition of "Interest Distribution Amount."
Class A-22 Notional Amount: As to any Distribution Date and the
Class A-22 Certificates, 2.85483849% of the sum of the Class Certificate
Balances and Component Balance, as applicable, of the Class A-1, Class A-2,
Class A-3, Class A-4, Class A-23 and Class A-25 Certificates and the Class A-19
PAC I Component immediately prior to such date.
Class A-23 Accrual Distribution Amount: For any Distribution Date
and the Class A-23 Certificates prior to the applicable Accretion Termination
Date, an amount with respect to such Class equal to the sum of (i) the amount
allocated but not currently distributable as interest to such Class pursuant to
Section 5.02(a)(i) that is attributable to clause (i) of the definition of
"Interest Distribution Amount," and (ii) the amount allocated but not currently
distributable as interest to such Class pursuant to Section 5.02(a)(i) that is
attributable to clause (ii) of the definition of "Interest Distribution Amount."
Class A-24 Loss Allocation Amount: With respect to any Distribution
Date after the Senior Credit Support Depletion Date, the lesser of (a) the Class
Certificate Balance of the Class A-24 Certificates with respect to such
Distribution Date prior to any reduction for the Class A-24 Loss Allocation
Amount and (b) the sum of the Class A-19 PAC I Component Loss Amount and the
Class A-19 TAC Component Loss Amount with respect to such Distribution Date.
Class A-PO Deferred Amount: As to any Distribution Date prior to the
Senior Credit Support Depletion Date, the aggregate of the applicable PO
Percentage of each Realized Loss, other than an Excess Loss, to be allocated to
the Class A-PO Certificates on such Distribution Date or previously allocated to
the Class A-PO Certificates and not yet paid to the Holders of the Class A-PO
Certificates pursuant to Section 5.02(a)(iii).
Class B Certificates: The Class B-1, Class B-2, Class B-3, Class
B-4, Class B-5 and Class B-6 Certificates.
Class Certificate Balance: With respect to any Class (other than the
Class A-19 Certificates) and any date of determination, the Initial Class
Certificate Balance of such Class (plus, in the case of the Accrual
Certificates, any Accrual Distribution Amounts previously allocated thereto)
minus the sum of (i) all distributions of principal made with respect thereto,
(ii) all Realized Losses allocated thereto pursuant to Section 5.03(a), (iii)
all other reductions in Class Certificate Balance previously allocated thereto
pursuant to Section 5.03(b) and (iv) in the case of the Class A-24 Certificates,
any reduction allocated thereto pursuant to Section 5.03(f). The Class
Certificate Balance of the Class A-19 Certificates will equal the sum of the
Component Balances of the Class A-19 PAC I Component and the Class A-19 TAC
Component. The Class A-22 Certificates are Interest-Only Certificates and have
no Class Certificate Balance.
Class Interest Shortfall: For any Distribution Date and each
interest-bearing Class (other than the Class A-19 Certificates), the amount by
which Accrued Certificate Interest for such Class (as reduced pursuant to
Section 5.02(c)) exceeds the amount of interest actually distributed on such
Class (or, in the case of a Class of Accrual Certificates prior to the
applicable Accretion Termination Date, the amount included in the Accrual
Distribution Amount pursuant to clause (i) of the definition thereof, but not
distributed as interest on such Accrual Certificates) on such Distribution Date
pursuant to clause (i) of the definition of "Interest Distribution Amount."
Class Unpaid Interest Shortfall: As to any Distribution Date and
each interest-bearing Class (other than the Class A-19 Certificates), the amount
by which the aggregate Class Interest Shortfalls for such Class on prior
Distribution Dates exceeds the amount of interest actually distributed on such
Class (or, in the case of a Class of Accrual Certificates prior to the
applicable Accretion Termination Date, the amount included in the Accrual
Distribution Amount pursuant to clause (ii) of the definition thereof, but not
distributed as interest on such Accrual Certificates) on such prior Distribution
Dates pursuant to clause (ii) of the definition of "Interest Distribution
Amount."
Closing Date: November 21, 2000.
Code: The Internal Revenue Code of 1986, as amended.
Compensating Interest: As defined in Section 3.17.
Component Balance: With respect to the Class A-19 PAC I Component
and Class A-19 TAC Component, and any date of determination, the Initial
Component Balance of such Component (plus, in each case, any Accrual
Distribution Amounts previously allocated thereto) minus the sum of (i) all
distributions of principal made with respect thereto, (ii) all Realized Losses
allocated thereto pursuant to Section 5.03(a) and (iii) all other reductions in
Component Balance previously allocated thereto pursuant to Section 5.03(b);
provided, however, that the Component Balance of such Component will not be
reduced pursuant to clauses (ii) and (iii) in accordance with the provisions of
Section 5.03(f). The Class A-19 PAC IO Component and the Class A-19 TAC IO
Component are interest-only Components and have no Component Balance.
Component Interest Distribution Amount: For any Distribution Date
and each Component, the sum of (i) the Accrued Component Interest, subject to
reduction pursuant to Section 5.02(c), and (ii) any Component Unpaid Interest
Shortfall for such Component.
Component Interest Shortfall: For any Distribution Date and each
Component, the amount by which Accrued Component Interest for such Component (as
reduced pursuant to Section 5.02(c)) exceeds the amount of interest actually
distributed on such Component (or, in the case of each Accrual Component prior
to the applicable Accretion Termination Date, the amount included in the Accrual
Distribution Amount pursuant to clause (i) of the definition thereof, but not
distributed as interest on such Accrual Component) on such Distribution Date
pursuant to clause (i) of the definition of "Component Interest Distribution
Amount."
Component Rate: As to each Component, the per annum rate set forth
in the Preliminary Statement.
Component Unpaid Interest Shortfall: As to any Distribution Date and
Component, the amount by which the aggregate Component Interest Shortfalls for
such Component on prior Distribution Dates exceeds the amount of interest
actually distributed on such Component (including, in the case of each Accrual
Component prior to the applicable Accretion Termination Date, the amount
included in the Accrual Distribution Amount pursuant to clause (ii) of the
definition thereof, but not distributed as interest on such Accrual Component)
on such prior Distribution Dates pursuant to clause (ii) of the definition of
"Component Interest Distribution Amount."
Co-op Shares: Shares issued by private non-profit housing
corporations.
Corporate Trust Office: The principal office of the Trustee at which
at any particular time its certificate transfer services are conducted, which
office at the date of the execution of this instrument is located at 000 Xxxxxxx
Xxxxxx - 00X, Xxx Xxxx, Xxx Xxxx 00000, Attention: Corporate Trust - MBS (Fax:
(000) 000-0000).
Corresponding Upper-Tier Class, Classes, Component or Components: As
to the following Uncertificated Lower-Tier Interests, the Corresponding
Upper-Tier Class, Classes, Component or Components, as follows:
Corresponding Upper-Tier Class,
Uncertificated Lower-Tier Interest Classes, Component or Components
---------------------------------- --------------------------------
Class A-L1 Interest Class A-1 Certificates, Class A-2
Certificates, Class A-3 Certificates,
Class A-4 Certificates, Class A-19 PAC IO
Component, Class A-19 PAC I Component,
Class A-22 Certificates, Class A-23
Certificates and Class A-25 Certificates
Class A-L5 Interest Class A-5 Certificates, Class A-6
Certificates, Class A-7 Certificates,
Class A-8 Certificates, Class A-16
Certificates and Class A-17 Certificates
Class A-L9 Interest Class A-9 Certificates, Class A-10
Certificates, Class A-11 Certificates,
Class A-12 Certificates, Class A-13
Certificates, Class A-14 Certificates,
Class A-15 Certificates and Class A-18
Certificates
Class A-L20 Interest Class A-19 TAC Component, Class A-20
Certificates and Class A-24 Certificates
Class A-L21 Interest Class A-19 TAC IO Component and Class
A-21 Certificates
Class A-LPO Interest Class A-PO Certificates
Class A-LUR Interest Class A-R Certificate
Class B-L1 Interest Class B-1 Certificates
Class B-L2 Interest Class B-2 Certificates
Class B-L3 Interest Class B-3 Certificates
Class B-L4 Interest Class B-4 Certificates
Class B-L5 Interest Class B-5 Certificates
Class B-L6 Interest Class B-6 Certificates
Custodian: Initially, the Trustee, and thereafter the Custodian, if
any, hereafter appointed by the Trustee pursuant to Section 9.12. The Custodian
may (but need not) be the Trustee or any Person directly or indirectly
controlling or controlled by or under common control of either of them. Neither
the Servicer nor the Depositor, nor any Person directly or indirectly
controlling or controlled by or under common control with any such Person may be
appointed Custodian.
Customary Servicing Procedures: With respect to the Servicer,
procedures (including collection procedures) that the Servicer customarily
employs and exercises in servicing and administering mortgage loans for its own
account and which are in accordance with accepted mortgage servicing practices
of prudent lending institutions servicing mortgage loans of the same type as the
Mortgage Loans in the jurisdictions in which the related Mortgaged Properties
are located.
Cut-Off Date: November 1, 2000.
Cut-Off Date Pool Principal Balance: The aggregate of the Cut-Off
Date Principal Balances of the Mortgage Loans which is $600,022,612.19.
Cut-Off Date Principal Balance: As to any Mortgage Loan, the unpaid
principal balance thereof as of the close of business on the Cut-Off Date,
reduced by all installments of principal due on or prior thereto whether or not
paid.
Debt Service Reduction: As to any Mortgage Loan and any
Determination Date, the excess of (i) the Monthly Payment due on the related Due
Date under the terms of such Mortgage Loan over (ii) the amount of the monthly
payment of principal and/or interest required to be paid with respect to such
Due Date by the Mortgagor as established by a court of competent jurisdiction
(pursuant to an order which has become final and nonappealable) as a result of a
proceeding initiated by or against the related Mortgagor under the Bankruptcy
Code, as amended from time to time (11 U.S.C.); provided that no such excess
shall be considered a Debt Service Reduction so long as (a) the Servicer is
pursuing an appeal of the court order giving rise to any such modification and
(b)(1) such Mortgage Loan is not in default with respect to payment due
thereunder in accordance with the terms of such Mortgage Loan as in effect on
the Cut-Off Date or (2) Monthly Payments are being advanced by the Servicer in
accordance with the terms of such Mortgage Loan as in effect on the Cut-Off
Date.
Debt Service Reduction Mortgage Loan: Any Mortgage Loan that became
the subject of a Debt Service Reduction.
Deceased Holder: A Certificate Owner of a Special Retail Certificate
who was living at the time such interest was acquired and whose executor or
other authorized representative causes to be furnished to the Trustee a
certified copy of the death certificate and any additional evidence of death
satisfactory to the Trustee and any tax waivers requested by the Trustee.
Defective Mortgage Loan: Any Mortgage Loan which is required to be
cured, repurchased or substituted for pursuant to Sections 2.02 or 2.04.
Deficient Valuation: As to any Mortgage Loan and any Determination
Date, the excess of (i) the then outstanding indebtedness under such Mortgage
Loan over (ii) the secured valuation thereof established by a court of competent
jurisdiction (pursuant to an order which has become final and nonappealable) as
a result of a proceeding initiated by or against the related Mortgagor under the
Bankruptcy Code, as amended from time to time (11 U.S.C.), pursuant to which
such Mortgagor retained such Mortgaged Property; provided that no such excess
shall be considered a Deficient Valuation so long as (a) the Servicer is
pursuing an appeal of the court order giving rise to any such modification and
(b)(1) such Mortgage Loan is not in default with respect to payments due
thereunder in accordance with the terms of such Mortgage Loan as in effect on
the Cut-Off Date or (2) Monthly Payments are being advanced by the Servicer in
accordance with the terms of such Mortgage Loan as in effect on the Cut-Off
Date.
Deficient Valuation Mortgage Loan: Any Mortgage Loan that became the
subject of a Deficient Valuation.
Definitive Certificates: As defined in Section 6.02(c)(iii).
Depositor: Bank of America Mortgage Securities, Inc., a Delaware
corporation, or its successor in interest, as depositor of the Trust Estate.
Depository: The Depository Trust Company, the nominee of which is
Cede & Co., as the registered Holder of the Book-Entry Certificates or any
successor thereto appointed in accordance with this Agreement. The Depository
shall at all times be a "clearing corporation" as defined in Section 8-102(3) of
the Uniform Commercial Code of the State of New York.
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.
Determination Date: As to any Distribution Date, the 16th day of the
month of the related Distribution Date or, if such 16th day is not a Business
Day, the Business Day immediately preceding such 16th day.
Discount Mortgage Loan: Any Mortgage Loan with a Net Mortgage
Interest Rate that is less than 7.750% per annum.
Distribution Date: The 25th day of each month beginning in December
2000 (or, if such day is not a Business Day, the next Business Day).
Due Date: As to any Distribution Date and each Mortgage Loan, the
first day in the calendar month of such Distribution Date.
Eligible Account: Any of (i) an account or accounts maintained with
(a) Bank of America, N.A., or (b) a federal or state chartered depository
institution or trust company the short-term unsecured debt obligations of which
(or, in the case of a depository institution or trust company that is the
principal subsidiary of a holding company, the debt obligations of such holding
company) have the highest short-term ratings of each Rating Agency at the time
any amounts are held on deposit therein, or (ii) an account or accounts in a
depository institution or trust company in which such accounts are insured by
the FDIC (to the limits established by the FDIC) and the uninsured deposits in
which accounts are otherwise secured such that, as evidenced by an Opinion of
Counsel delivered to the Trustee and to each Rating Agency, the
Certificateholders have a claim with respect to the funds in such account or a
perfected first priority 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 or
trust company in which such account is maintained, or (iii) a trust account or
accounts maintained with the trust department of a federal or state chartered
depository institution or trust company, acting in its fiduciary capacity or
(iv) any other account acceptable to each Rating Agency. Eligible Accounts may
bear interest and may include, if otherwise qualified under this definition,
accounts maintained with the Trustee.
ERISA: The Employee Retirement Income Security Act of 1974, as
amended.
ERISA Restricted Certificates: Any Class B-4, Class B-5, or Class
B-6 Certificate.
Escrow Account: As defined in Section 3.09.
Escrow Payments: The amounts constituting taxes, assessments,
Primary Insurance Policy premiums, fire and hazard insurance premiums and other
payments as may be required to be escrowed by the Mortgagor with the mortgagee
pursuant to the terms of any Mortgage Note or Mortgage.
Event of Default: As defined in Section 8.01.
Excess Losses: For any Distribution Date, the amount of any (i)
Fraud Losses in excess of the Fraud Loss Amount, (ii) Special Hazard Losses in
excess of the Special Hazard Loss Amount or (iii) Bankruptcy Losses in excess of
the Bankruptcy Loss Amount.
Excess Proceeds: With respect to any Liquidated Mortgage Loan, the
amount, if any, by which the sum of any Liquidation Proceeds of such Mortgage
Loan received in the calendar month in which such Mortgage Loan became a
Liquidated Mortgage Loan, net of any amounts previously reimbursed to the
Servicer as Nonrecoverable Advance(s) with respect to such Mortgage Loan
pursuant to Section 3.11(a)(iii), exceeds (i) the unpaid principal balance of
such Liquidated Mortgage Loan as of the Due Date in the month in which such
Mortgage Loan became a Liquidated Mortgage Loan plus (ii) accrued interest at
the Mortgage Interest Rate from the Due Date as to which interest was last paid
or for which a Periodic Advance was made (and not reimbursed) up to the Due Date
applicable to the Distribution Date immediately following the calendar month
during which such liquidation occurred.
FDIC: The Federal Deposit Insurance Corporation, or any successor
thereto.
FHLMC: The Federal Home Loan Mortgage Corporation, 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
10.01.
Financial Market Service: Bloomberg Financial Service and any other
financial information provider designated by the Depositor by written notice to
the Trustee.
FIRREA: The Financial Institutions Reform, Recovery and Enforcement
Act of 1989, as amended.
Fitch: Fitch, Inc., or any successor thereto.
FNMA: Xxxxxx Xxx, or any successor thereto.
Fractional Interest: As defined in Section 5.02(d).
Fraud Loss: Realized Losses on Mortgage Loans as to which a loss is
sustained by reason of a default arising from fraud, dishonesty or
misrepresentation in connection with the related Mortgage Loan, including a loss
by reason of the denial of coverage under any related Primary Insurance Policy
because of such fraud, dishonesty or misrepresentation.
Fraud Loss Amount: For each Distribution Date occurring during the
period from the Closing Date through the first anniversary of the Cut-Off Date,
the Initial Fraud Loss Amount reduced by the amount of Fraud Losses allocated to
the Certificates. Thereafter, the Fraud Loss Amount shall be equal to the lesser
of (i) the Initial Fraud Loss Amount reduced by the amount of Fraud Losses
allocated to the Certificates and (ii) for each Distribution Date occurring (a)
during the period from the day after the first anniversary through the third
anniversary of the Cut-Off Date, 1% of the Pool Stated Principal Balance, (b)
during the period from the day after the third anniversary through the fifth
anniversary of the Cut-Off Date, 0.5% of the Pool Stated Principal Balance, and
(c) after the fifth anniversary of the Cut-Off Date, zero.
Holder: A Certificateholder.
Independent: When used with respect to any specified Person means
such a Person who (i) is in fact independent of the Depositor and the Servicer,
(ii) does not have any direct financial interest or any material indirect
financial interest in the Depositor or the Servicer or in an affiliate of either
of them, and (iii) is not connected with the Depositor or the Servicer as an
officer, employee, promoter, underwriter, trustee, partner, director or person
performing similar functions.
Indirect Depository Participant: A broker, dealer, bank or other
financial institution or other Person maintaining a custodial relationship with
a Depository Participant.
Initial Bankruptcy Loss Amount: $100,000.00.
Initial Class Certificate Balance: As to each Class of Certificates
(other than the Class A-22 Certificates), the Class Certificate Balance set
forth in the Preliminary Statement. The Class A-22 Certificates are
Interest-Only Certificates and have no Initial Class Certificate Balance.
Initial Component Balance: As to the Class A-19 PAC I Component and
the Class A-19 TAC Component, the Component Balance set forth in the Preliminary
Statement. The Class A-19 PAC IO Component and the Class A-19 TAC IO Component
are interest-only Components and have no Initial Component Balance.
Initial Fraud Loss Amount: $12,000,452.24.
Initial Notional Amount: As to the Class A-19 PAC IO Component, the
Class A-19 TAC IO Component and the Class A-22 Certificates, the Notional Amount
set forth in the Preliminary Statement.
Initial Special Hazard Amount: $6,000,226.19.
Insurance Policy: With respect to any Mortgage Loan included in the
Trust Estate, any related insurance policy, including all riders and
endorsements thereto in effect, including any replacement policy or policies for
any Insurance Policies.
Insurance Proceeds: Proceeds paid by an insurer pursuant to any
Insurance Policy, in each case other than any amount included in such Insurance
Proceeds in respect of Insured Expenses.
Insured Expenses: Expenses covered by an Insurance Policy or any
other insurance policy with respect to the Mortgage Loans.
Interest Accrual Period: As to any Distribution Date and each Class
of Certificates (other than the Class A-19 and Class A-PO Certificates) and each
Component, the period from and including the first day of the calendar month
preceding the calendar month of such Distribution Date to but not including the
first day of the calendar month of such Distribution Date.
Interest Distribution Amount: For any Distribution Date and each
interest-bearing Class (other than the Class A-19 Certificates), the sum of (i)
the Accrued Certificate Interest, subject to reduction pursuant to Section
5.02(c) and (ii) any Class Unpaid Interest Shortfall for such Class. For any
Distribution Date and the Class A-19 Certificates, the sum of the Component
Interest Distribution Amounts.
Interest-Only Certificates: Any Class of Certificates entitled to
distributions of interest, but no distributions of principal. The Class A-22
Certificates are the sole Class of Interest-Only Certificates.
Liquidated Mortgage Loan: With respect to any Distribution Date, a
defaulted Mortgage Loan (including any REO Property) that was liquidated in the
calendar month preceding the month of such Distribution Date and as to which the
Servicer has certified (in accordance with this Agreement) that it has received
all proceeds it expects to receive in connection with the liquidation of such
Mortgage Loan including the final disposition of an REO Property.
Liquidation Proceeds: Amounts, including Insurance Proceeds,
received in connection with the partial or complete liquidation of defaulted
Mortgage Loans, whether through trustee's sale, foreclosure sale or otherwise or
amounts received in connection with any condemnation or partial release of a
Mortgaged Property and any other proceeds received in connection with an REO
Property, less the sum of related unreimbursed Servicing Fees and Advances.
Living Holder: A Certificate Owner of a Special Retail Certificate
other than a Deceased Holder.
Loan-to-Value Ratio: With respect to any Mortgage Loan and any date
of determination, the fraction, expressed as a percentage, the numerator of
which is the outstanding 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-Tier Distribution Amount: As defined in Section 5.02(a).
Lower-Tier REMIC: As defined in the Preliminary Statement, the
assets of which consist of the Mortgage Loans, such amounts as shall from time
to time be held in the Certificate Account, the insurance policies, if any,
relating to a Mortgage Loan and property which secured a Mortgage Loan and which
has been acquired by foreclosure or deed in lieu of foreclosure.
MERS: As defined in Section 2.01(b)(iii).
Monthly Payment: The scheduled monthly payment on a Mortgage Loan
due on any Due Date allocable to principal and/or interest on such Mortgage Loan
which, unless otherwise specified herein, shall give effect to any related Debt
Service Reduction and any Deficient Valuation that affects the amount of the
monthly payment due on such Mortgage Loan.
Moody's: Xxxxx'x Investors Service, Inc., or any successor thereto.
Mortgage: The mortgage, deed of trust or other instrument creating a
first lien on a Mortgaged Property securing a Mortgage Note or creating a first
lien on a leasehold interest.
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 Interest Rate: As to any Mortgage Loan, the per annum rate
of interest at which interest accrues on the principal balance of such Mortgage
Loan in accordance with the terms of the related Mortgage Note.
Mortgage Loan Purchase Agreement: The Mortgage Loan Purchase
Agreement, dated November 21, 2000, between the Bank of America, N.A., as
seller, and the Depositor, as purchaser.
Mortgage Loan Schedule: The list of Mortgage Loans (as from time to
time amended by the Servicer to reflect the addition of Substitute Mortgage
Loans and the deletion of Defective Mortgage Loans pursuant to the provisions of
this Agreement) transferred to the Trustee as part of the Trust Estate and from
time to time subject to this Agreement, attached hereto as Exhibit D, setting
forth the following information with respect to each Mortgage Loan: (i) the
Mortgage Loan identifying number; (ii) a code indicating whether the Mortgaged
Property is owner-occupied; (iii) the property type for each Mortgaged Property;
(iv) the original months to maturity or the remaining months to maturity from
the Cut-Off Date; (v) the Loan-to-Value Ratio at origination; (vi) the Mortgage
Interest Rate; (vii) the date on which the first Monthly Payment was due on the
Mortgage Loan, and, if such date is not the Due Date currently in effect, such
Due Date; (viii) the stated maturity date; (ix) the amount of the Monthly
Payment as of the Cut-Off Date; (x) the paid-through date; (xi) the original
principal amount of the Mortgage Loan; (xii) the principal balance of the
Mortgage Loan as of the close of business on the Cut-Off Date, after application
of payments of principal due on or before the Cut-Off Date, whether or not
collected, and after deduction of any payments collected of scheduled principal
due after the Cut-Off Date; (xiii) a code indicating the purpose of the Mortgage
Loan; (xiv) a code indicating the documentation style; and (xv) the Appraised
Value. With respect to the Mortgage Loans in the aggregate, the Mortgage Loan
Schedule shall set forth the following information, as of the Cut-Off Date: (i)
the number of Mortgage Loans; (ii) the current aggregate outstanding principal
balance of the Mortgage Loans; (iii) the weighted average Mortgage Rate of the
Mortgage Loans; and (iv) the weighted average months to maturity of the Mortgage
Loans.
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 as a part
of the Trust Estate (including any Substitute Mortgage Loans and REO Property),
the Mortgage Loans originally so held being identified in the Mortgage Loan
Schedule.
Mortgage Note: The originally executed note or other evidence of
indebtedness evidencing the indebtedness of a Mortgagor under a Mortgage Loan,
together with all riders thereto and amendments thereof.
Mortgaged Property: The underlying property securing a Mortgage
Loan, which may include Co-op Shares or residential long-term leases.
Mortgagor: The obligor on a Mortgage Note.
Net Mortgage Interest Rate: As to any Mortgage Loan and Distribution
Date, such Mortgage Loan's Mortgage Interest Rate thereon on the first day of
the month preceding the month of the related Distribution Date reduced by the
Servicing Fee Rate and the Trustee Fee Rate.
Non-PO Percentage: As to any Discount Mortgage Loan, a fraction
(expressed as a percentage), the numerator of which is the Net Mortgage Interest
Rate of such Discount Mortgage Loan and the denominator of which is 7.750%. As
to any Mortgage Loan that is not a Discount Mortgage Loan, 100%.
Non-PO Principal Amount: As to any Distribution Date, the sum of the
applicable Non-PO Percentage of (a) the principal portion of each Monthly
Payment (without giving effect, prior to the reduction of the Bankruptcy Loss
Amount to zero, to any reductions thereof caused by any Debt Service Reductions)
due on each Mortgage Loan on the related Due Date, (b) the Stated Principal
Balance, as of the date of repurchase, of each Mortgage Loan that was
repurchased by the Depositor pursuant to this Agreement as of such Distribution
Date, (c) any Substitution Adjustment Amount in connection with a Defective
Mortgage Loan received with respect to such Distribution Date, (d) any
Liquidation Proceeds allocable to recoveries of principal of Mortgage Loans that
are not yet Liquidated Mortgage Loans received during the calendar month
preceding the month of such Distribution Date, (e) with respect to each Mortgage
Loan that became a Liquidated Mortgage Loan during the calendar month preceding
the month of such Distribution Date, the amount of Liquidation Proceeds
allocable to principal received during the calendar month preceding the month of
such Distribution Date with respect to such Mortgage Loan and (f) all Principal
Prepayments received during the calendar month preceding the month of such
Distribution Date.
Non-Supported Interest Shortfalls: As to any Distribution Date, the
amount, if any, by which the aggregate of Prepayment Interest Shortfalls exceeds
Compensating Interest for such Distribution Date.
Non-U.S. Person: A Person other than a U.S. Person.
Nonrecoverable Advance: Any portion of an Advance previously made or
proposed to be made in respect of a Mortgage Loan which has not been previously
reimbursed and which, in the good faith judgment of the Servicer, will not or,
in the case of a proposed Advance, would not be ultimately recoverable from the
related Mortgagor, related Liquidation Proceeds, or other recoveries in respect
of the related Mortgage Loan.
Notional Amount: As to any Distribution Date, the Class A-19 PAC IO
Notional Amount, the Class A-19 TAC IO Notional Amount or the Class A-22
Notional Amount.
Offered Certificates: The Class A, Class B-1, Class B-2 and Class
B-3 Certificates.
Officer's Certificate: A certificate signed by the Chairman of the
Board, Vice Chairman of the Board, President or a Vice President and by the
Treasurer, the Secretary or one of the Assistant Treasurers or Assistant
Secretaries, or any other duly authorized officer of the Depositor or the
Servicer, as the case may be, and delivered to the Trustee.
Opinion of Counsel: A written opinion of counsel acceptable to the
Trustee, who may be counsel for the Depositor or the Servicer, except that any
opinion of counsel relating to the qualification of the Trust Estate as two
separate REMICs or compliance with the REMIC Provisions must be an opinion of
Independent counsel.
Original Fractional Interest: With respect to each of the following
Classes of Subordinate Certificates, the corresponding percentage described
below, as of the Closing Date:
Class B-1 1.86%
Class B-2 1.10%
Class B-3 0.65%
Class B-4 0.40%
Class B-5 0.20%
Class B-6 0.00%
Original Subordinate Certificate Balance: $24,006,149.53.
OTS: The Office of Thrift Supervision.
Outstanding Mortgage Loan: As to any Due Date, a Mortgage Loan which
was not the subject of a Principal Prepayment in Full prior to such Due Date,
which did not become a Liquidated Mortgage Loan prior to such Due Date and which
was not purchased from the Trust prior to such Due Date pursuant to Sections
2.02 or 2.04.
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.
PAC Group: The Class A-4 and Class A-25 Certificates, collectively.
PAC Principal Amount: As to any Distribution Date and for the Class
A-1, Class A-2, Class A-3, Class A-4 or Class A-23 Certificates, the PAC Group
or the Class A-19 PAC I Component, the amount, if any, that would reduce the
Class Certificate Balance, balance of the PAC Group or Component Balance thereof
to the balance shown in the tables set forth in Exhibit L with respect to such
Distribution Date.
Pass-Through Rate: As to each Class of interest-bearing Certificates
(other than the Class A-19 Certificates), the per annum rate set forth in the
Preliminary Statement.
Paying Agent: As defined in Section 9.13.
Percentage Interest: As to any Certificate (other than a Class A-6,
Class A-7, Class A-8, Class A-14 or Class A-18 Certificate), the percentage
obtained by dividing the initial Certificate Balance or Initial Notional Amount,
as applicable, of such Certificate by the Initial Class Certificate Balance or
Initial Notional Amount, as applicable, of the Class of which such Certificate
is a part. With respect to a Class A-6, Class A-7, Class A-8, Class A-14 or
Class A-18 Certificate, the percentage obtained by dividing the current
Certificate Balance of each such Certificate by the current Class Certificate
Balance of the Class of which said Certificate is a part.
Periodic Advance: The payment required to be made by the Servicer
with respect to any Distribution Date pursuant to Section 3.20, the amount of
any such payment being equal to the aggregate of Monthly Payments (net of the
Servicing Fee) on the Mortgage Loans (including any REO Property) that were due
on the related Due Date and not received as of the close of business on the
related Determination Date, less the aggregate amount of any such delinquent
payments that the Servicer has determined would constitute a Nonrecoverable
Advance if advanced.
Permitted Investments: One or more of the following:
(i) obligations of or guaranteed as to principal and interest by the
United States, FHLMC, FNMA or any agency or instrumentality of the United
States when such obligations are backed by the full faith and credit of
the United States; provided that such obligations of FHLMC or FNMA shall
be limited to senior debt obligations and mortgage participation
certificates other than investments in mortgage-backed or mortgage
participation securities with yields evidencing extreme sensitivity to the
rate of principal payments on the underlying mortgages, which shall not
constitute Permitted Investments hereunder;
(ii) repurchase agreements on obligations specified in clause (i)
maturing not more than one month from the date of acquisition thereof with
a corporation incorporated under the laws of the United States or any
state thereof rated not lower than "P-1" by Xxxxx'x and "F-1" by Fitch;
(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,
rated not lower than "P-1" by Xxxxx'x and "F-1" by Fitch;
(iv) commercial paper (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 is rated not lower than "P-1" by Xxxxx'x
and "F-1" by Fitch;
(v) investments in money market funds (including funds of the
Trustee or its affiliates, or funds for which an affiliate of the Trustee
acts as advisor, as well as funds for which the Trustee and its affiliates
may receive compensation) rated "Aaa" by Xxxxx'x, and "AAA" by Fitch or
otherwise approved in writing by each Rating Agency; and
(vi) other obligations or securities that are acceptable to each
Rating Agency and, as evidenced by an Opinion of Counsel obtained by the
Servicer, will not affect the qualification of the Trust Estate as a two
separate REMICs;
provided, however, that no instrument shall be a Permitted Investment if it
represents either (a) the right to receive only interest payments with respect
to the underlying debt instrument or (b) the right to receive both principal and
interest payments derived from obligations underlying such instrument and the
principal and interest with respect to such instrument provide a yield to
maturity greater than 120% of the yield to maturity at par of such underlying
obligations.
Permitted Transferee: Any Person other than (i) the United States,
or any State or any political subdivision thereof, or any agency or
instrumentality of any of the foregoing, (ii) a foreign government,
international organization or any agency or instrumentality of either of the
foregoing, (iii) an organization which is exempt from tax imposed by Chapter 1
of the Code (including the tax imposed by Section 511 of the Code on unrelated
business taxable income) (except certain farmers' cooperatives described in Code
Section 521), (iv) rural electric and telephone cooperatives described in Code
Section 1381(a)(2)(C) and (v) any other Person so designated by the Servicer
based on an Opinion of Counsel to the effect that any transfer to such Person
may cause the Trust or any other Holder of a Residual Certificate to incur tax
liability that would not be imposed other than on account of such transfer. The
terms "United States," "State" and "international organization" shall have the
meanings set forth in Code Section 7701 or successor provisions.
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.
Physical Certificates: The Class A-R, Class A-LR, Class B-4, Class
B-5 and Class B-6 Certificates.
Plan: As defined in Section 6.02(e).
PO Percentage: As to any Discount Mortgage Loan, 100% minus the
Non-PO Percentage for such Mortgage Loan. As to any Mortgage Loan that is not a
Discount Mortgage Loan, 0%.
PO Principal Amount: As to any Distribution Date, the sum of the
applicable PO Percentage of (a) the principal portion of each Monthly Payment
(without giving effect, prior to the reduction of the Bankruptcy Loss Amount to
zero, to any reductions thereof caused by any Debt Service Reductions) due on
each Mortgage Loan on the related Due Date, (b) the Stated Principal Balance, as
of the date of repurchase, of each Mortgage Loan that was repurchased by the
related Seller or the Depositor pursuant to this Agreement as of such
Distribution Date, (c) any Substitution Adjustment Amount in connection with any
Defective Mortgage Loan received with respect to such Distribution Date, (d) any
Liquidation Proceeds allocable to recoveries of principal of Mortgage Loans that
are not yet Liquidated Mortgage Loans received during the calendar month
preceding the month of such Distribution Date, (e) with respect to each Mortgage
Loan that became a Liquidated Mortgage Loan during the calendar month preceding
the month of such Distribution Date, the amount of Liquidation Proceeds
allocable to principal received with respect to such Mortgage Loan during the
calendar month preceding the month of such Distribution Date with respect to
such Mortgage Loan and (f) all Principal Prepayments received during the
calendar month preceding the month of such Distribution Date.
Pool Distribution Amount: As to any Distribution Date, the excess of
(a) the sum of (i) the aggregate of (A) the interest portion of any Monthly
Payment (net of the Servicing Fee) and the principal portion of any Monthly
Payment due on the Due Date in the month in which such Distribution Date occurs
and which is received prior to the related Determination Date and (B) all
Periodic Advances and payments of Compensating Interest made by the Servicer in
respect of such Distribution Date deposited to the Servicer Custodial Account
pursuant to Section 3.08(b)(vii); (ii) all Liquidation Proceeds received during
the preceding calendar month and deposited to the Servicer Custodial Account
pursuant to Section 3.08(b)(iii); (iii) all Principal Prepayments received
during the month preceding the month of such Distribution Date and deposited to
the Servicer Custodial Account pursuant to Section 3.08(b)(i) during such
period; (iv) in connection with Defective Mortgage Loans, as applicable, the
aggregate of the Repurchase Prices and Substitution Adjustment Amounts deposited
on the related Remittance Date pursuant to Section 3.08(b)(vi); and (v) any
other amounts in the Servicer Custodial Account deposited therein pursuant to
Sections 3.08(b)(iv), (v) and (viii) in respect of such Distribution Date; over
(b) any (i) amounts permitted to be withdrawn from the Servicer Custodial
Account pursuant to clauses (i) through (vii), inclusive, of Section 3.11(a) and
(ii) amounts permitted to be withdrawn from the Certificate Account pursuant to
clauses (i) and (ii) of Section 3.11(b).
Pool Stated Principal Balance: As to any Distribution Date, the
aggregate Stated Principal Balances of all Mortgage Loans that were Outstanding
Mortgage Loans immediately following the Due Date in the month of such
Distribution Date.
Premium Mortgage Loan: Any Mortgage Loan with a Net Mortgage
Interest Rate that is equal to or more than 7.750% per annum.
Prepayment Interest Shortfall: As to any Distribution Date and each
Mortgage Loan subject to a Principal Prepayment received during the calendar
month preceding such Distribution Date, the amount, if any, by which one month's
interest at the related Mortgage Interest Rate (net of the Servicing Fee) on
such Principal Prepayment exceeds the amount of interest paid in connection with
such Principal Prepayment.
Primary Insurance Policy: Each policy of primary mortgage guaranty
insurance or any replacement policy therefor with respect to any Mortgage Loan,
in each case issued by an insurer acceptable to FNMA or FHLMC.
Principal-Only Certificates: Any Class of Certificates entitled to
distributions of principal, but to no distributions of interest. The Class A-PO
Certificates are the only Class of Principal-Only Certificates.
Principal Prepayment: Any payment or other recovery of principal on
a Mortgage Loan (other than Liquidation Proceeds) which is received in advance
of its scheduled Due Date and is not accompanied by an amount of interest
representing scheduled interest 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.
Private Certificates: The Class B-4, Class B-5 and Class B-6
Certificates.
Pro Rata Share: As to any Distribution Date and any Class of
Subordinate Certificates that is not a Restricted Class, the portion of the
Subordinate Principal Distribution Amount allocable to such Class, equal to the
product of the Subordinate Principal Distribution Amount for such Distribution
Date and a fraction, the numerator of which is the related Class Certificate
Balance thereof and the denominator of which is the aggregate Class Certificate
Balance of the Subordinate Certificates that are not Restricted Classes. The Pro
Rata Share of a Restricted Class shall be 0%.
Qualified Appraiser: An appraiser of a Mortgaged Property duly
appointed by the originator of the related Mortgage Loan, who had no interest,
direct or indirect, in such Mortgaged Property or in any loan made on the
security thereof, whose compensation is not affected by the approval or
disapproval of the related Mortgage Loan and who met the minimum qualifications
of FNMA or FHLMC.
Rating Agency: Each of Fitch and Xxxxx'x. If either such
organization or a successor is no longer in existence, "Rating Agency" shall be
such nationally recognized statistical rating organization, or other comparable
Person, as is designated by the Depositor, notice of which designation shall be
given to the Trustee. References herein to a given rating or rating category of
a Rating Agency shall mean such rating category without giving effect to any
modifiers.
Realized Loss: With respect to each Liquidated Mortgage Loan, an
amount as of the date of such liquidation, equal to (i) the unpaid principal
balance of the Liquidated Mortgage Loan as of the date of such liquidation, plus
(ii) interest at the Net Mortgage Interest Rate from the Due Date as to which
interest was last paid or advanced (and not reimbursed) to Certificateholders up
to the Due Date in the month in which Liquidation Proceeds are required to be
distributed on the Stated Principal Balance of such Liquidated Mortgage Loan
from time to time, minus (iii) the Liquidation Proceeds, if any, received during
the month in which such liquidation occurred, to the extent applied as
recoveries of interest at the Net Mortgage Interest Rate and to principal of the
Liquidated Mortgage Loan. With respect to each Mortgage Loan that has become the
subject of a Deficient Valuation, if the principal amount due under the related
Mortgage Note has been reduced, 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. With respect to each Mortgage Loan that has become the subject of a
Debt Service Reduction and any Distribution Date, the amount, if any, by which
the principal portion of the related Monthly Payment has been reduced.
Record Date: The last day of the month (or, if such day is not a
Business Day, the preceding Business Day) preceding the month of the related
Distribution Date.
Refinance Mortgage Loan: Any Mortgage Loan the proceeds of which
were not used to purchase the related Mortgaged Property.
Regular Certificates: As defined in the Preliminary Statement
hereto.
Relief Act: The Soldiers' and Sailors' Civil Relief Act of 1940, as
amended.
Relief Act Reduction: With respect to any Distribution Date, for any
Mortgage Loan as to which there has been a reduction in the amount of interest
collectible thereon for the most recently ended calendar month as a result of
the application of the Relief Act, the amount, if any, by which (i) interest
collectible on such Mortgage Loan for the most recently ended calendar month is
less than (ii) interest accrued pursuant to the terms of the Mortgage Note on
the same principal amount and for the same period as the interest collectible on
such Mortgage Loan for the most recently ended calendar month.
REMIC: A "real estate mortgage investment conduit" within the
meaning of Section 860D of the Code.
REMIC Certificate Maturity Date: The "latest possible maturity date"
of the Regular Certificates as that term is defined in Section 2.07.
REMIC Provisions: Provisions of the federal income tax law relating
to real estate mortgage investment conduits, which appear at Section 860A
through 860G of Subchapter M of Chapter 1 of the Code, and related provisions,
and regulations promulgated thereunder, as the foregoing may be in effect from
time to time, as well as provisions of applicable state laws.
Remittance Date: As to any Distribution Date, by 2:00 p.m. Eastern
time on the Business Day immediately preceding such Distribution Date.
REO Disposition Period: As defined in Section 3.14.
REO Proceeds: Proceeds, net of any related expenses of the Servicer,
received in respect of any REO Property (including, without limitation, proceeds
from the rental of the related Mortgaged Property) which are received prior to
the final liquidation of such Mortgaged Property.
REO Property: A Mortgaged Property acquired by the Servicer on
behalf of the Trust through foreclosure or deed-in-lieu of foreclosure in
connection with a defaulted Mortgage Loan.
Repurchase Price: As to any Defective Mortgage Loan repurchased on
any date pursuant to Sections 2.02 or 2.04, an amount equal to the sum of (i)
the unpaid principal balance thereof and (ii) the unpaid accrued interest
thereon at the applicable Mortgage Interest Rate 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 Mortgage Loan became eligible to be repurchased.
Request for Release: The Request for Release submitted by the
Servicer to the Trustee or the Custodian on behalf of the
Trustee, substantially in the form of Exhibit E.
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 in respect of such Mortgage Loan.
Residual Certificates: The Class A-R and Class A-LR Certificates.
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 and having responsibility for the
administration of this Agreement.
Restricted Classes: As defined in Section 5.02(d).
Rounding Account: As defined in Section 3.23.
Rounding Amount: As defined in Section 3.23.
Seller: Bank of America, N.A., a national banking association, or
its successor in interest, as seller of the Mortgage Loans under the Mortgage
Loan Purchase Agreement.
Senior Certificates: The Class A Certificates.
Senior Credit Support Depletion Date: The date on which the
aggregate Class Certificate Balance of the Subordinate Certificates is reduced
to zero.
Senior Percentage: With respect to any Distribution Date, the
percentage, carried six places rounded up, obtained by dividing the aggregate
Class Certificate Balance of the Senior Certificates (other than the Class A-PO
Certificates) immediately prior to such Distribution Date by the aggregate Class
Certificate Balance of all Classes of Certificates (other than the Class A-PO
Certificates) immediately prior to such Distribution Date.
Senior Prepayment Percentage: For any Distribution Date during the
five years beginning on the first Distribution Date, 100%. The Senior Prepayment
Percentage for any Distribution Date occurring on or after the fifth anniversary
of the first Distribution Date will, except as provided herein, be as follows:
for any Distribution Date in the first year thereafter, the Senior Percentage
plus 70% of the Subordinate Percentage for such Distribution Date; for any
Distribution Date in the second year thereafter, the Senior Percentage plus 60%
of the Subordinate Percentage for such Distribution Date; for any Distribution
Date in the third year thereafter, the Senior Percentage plus 40% of the
Subordinate Percentage for such Distribution Date; for any Distribution Date in
the fourth year thereafter, the Senior Percentage plus 20% of the Subordinate
Percentage for such Distribution Date; and for any Distribution Date in the
fifth or later years thereafter, the Senior Percentage for such Distribution
Date (unless on any of the foregoing Distribution Dates the Senior Percentage
exceeds the initial Senior Percentage, in which case the Senior Prepayment
Percentage for such Distribution Date will once again equal 100%).
Notwithstanding the foregoing, no decrease in the Senior Prepayment Percentage
will occur unless both of the Senior Step Down Conditions are satisfied.
Senior Principal Distribution Amount: As to any Distribution Date,
the sum of (i) the Senior Percentage of the applicable Non-PO Percentage of all
amounts described in clauses (a) through (d) of the definition of "Non-PO
Principal Amount" for such Distribution Date and (ii) the Senior Prepayment
Percentage of the applicable Non-PO Percentage of the amounts described in
clauses (e) and (f) of the definition of "Non-PO Principal Amount" for such
Distribution Date; provided, however, that if a Debt Service Reduction that is
an Excess Loss is sustained with respect to a Mortgage Loan that is not a
Liquidated Mortgage Loan, the Senior Principal Distribution Amount will be
reduced on the related Distribution Date by the Senior Percentage of the Non-PO
Percentage of the principal portion of such Debt Service Reduction.
Senior Step Down Conditions: As of any Distribution Date as to which
any decrease in the Senior Prepayment Percentage applies, (i) the outstanding
principal balance of all Mortgage Loans (including, for this purpose, any
Mortgage Loans in foreclosure or any REO Property) delinquent 60 days or more
(averaged over the preceding six month period), as a percentage of the aggregate
Class Certificate Balance of the Subordinate Certificates (averaged over the
preceding six-month period), is not equal to or greater than 50% or (ii)
cumulative Realized Losses with respect to the Mortgage Loans as of the
applicable Distribution Date do not exceed the percentages of the Original
Subordinate Certificate Balance set forth below:
Percentage of
Original Subordinate
Distribution Date Occurring Certificate Balance
--------------------------- -------------------
December 2005 through November 2006 30%
December 2006 through November 2007 35%
December 2007 through November 2008 40%
December 2008 through November 2009 45%
December 2009 and thereafter 50%
Servicer: Bank of America, N.A., a national banking association, or
its successor in interest, in its capacity as servicer of the Mortgage Loans, or
any successor servicer appointed as herein provided.
Servicer Advance Date: As to any Distribution Date, 11:30 a.m.,
Eastern time, on the Business Day immediately preceding such Distribution Date.
Servicer Custodial Account: The separate Eligible Account or
Accounts created and maintained by the Servicer pursuant to Section 3.08(b).
Servicer's Certificate: The monthly report required by Section 4.01.
Servicing Advances: All customary, reasonable and necessary "out of
pocket" costs and expenses incurred in the performance by the Servicer of its
servicing obligations, including, but not limited to (i) the preservation,
restoration and protection of a Mortgaged Property, (ii) expenses reimbursable
to the Servicer pursuant to Section 3.14 and any enforcement or judicial
proceedings, including foreclosures, (iii) the management and liquidation of any
REO Property and (iv) compliance with the obligations under Section 3.12.
Servicing Fee: With respect to each Mortgage Loan and Distribution
Date, the amount of the fee payable to the Servicer, which shall, for such
Distribution Date, be equal to one-twelfth of the product of the Servicing Fee
Rate with respect to such Mortgage Loan and the Stated Principal Balance of such
Mortgage Loan, subject to reduction as provided in Section 3.17. Such fee shall
be payable monthly, computed on the basis of the same Stated Principal Balance
and period respecting which any related interest payment on a Mortgage Loan is
computed. The Servicer's right to receive the Servicing Fee is limited to, and
payable solely from, the interest portion (including recoveries with respect to
interest from Liquidation Proceeds and other proceeds, to the extent permitted
by Section 3.11) of related Monthly Payments collected by the Servicer, or as
otherwise provided under Section 3.11.
Servicing Fee Rate: With respect to each Mortgage Loan, the per
annum rate equal to (i) the related Mortgage Interest Rate less (ii) the sum of
7.750% and the Trustee Fee Rate; provided, however, that the Servicing Fee Rate
will not be less than 0.25% per annum with respect to any Mortgage Loan.
Servicing File: The items pertaining to a particular Mortgage Loan
referred to in Exhibit J hereto, and any additional documents required to be
added to the Servicing File pursuant to the Agreement.
Servicing Officer: Any officer of the Servicer involved in, or
responsible for, the administration and servicing of the Mortgage Loans whose
name appears on a list of servicing officers furnished to the Trustee by the
Servicer, as such list may from time to time be amended.
Similar Law: As defined in Section 6.02(e).
Special Hazard Loss: As to a Mortgaged Property, any Realized Loss
on account of direct physical loss, exclusive of (i) any loss covered by a
hazard policy or a flood insurance policy maintained in respect of such
Mortgaged Property pursuant to Section 3.12 and (ii) any loss caused by or
resulting from:
(a) (i) wear and tear, deterioration, rust or corrosion, mold, wet
or dry rot; inherent vice or latent defect; animals, birds, vermin or insects;
or
(ii) settling, subsidence, cracking, shrinkage, building or
expansion of pavements, foundations, walls, floors, roofs or ceilings;
(b) errors in design, faulty workmanship or faulty materials, unless
the collapse of the property or a part thereof ensues and then only for the
ensuing loss;
(c) nuclear or chemical reaction or nuclear radiation or radioactive
or chemical contamination, all whether controlled or uncontrolled, and whether
such loss is direct or indirect, proximate or remote; or
(d) (i) hostile or warlike action in time of peace or war, including
action in hindering, combating or defending against an actual, impending or
expected attack (A) by any government or sovereign power (de jure or de facto),
or by any authority maintaining or using military, naval or air forces; or (B)
by military, naval or air forces; or (C) by an agent of any such government,
power, authority or forces;
(ii) any weapon of war or facility for producing same employing
atomic fission, radioactive force or chemical or biological contaminants,
whether in time of peace or war; or
(iii) 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.
Special Hazard Loss Amount: As to any Distribution Date, the lesser
of (a) the greatest of (i) 1% of the Pool Stated Principal Balance of the
Mortgage Loans, (ii) twice the principal balance of the largest Mortgage Loan,
and (iii) the aggregate principal balance of all Mortgage Loans secured by
Mortgaged Properties located in the single California five-digit postal zip code
having the highest aggregate principal balance of any zip code area (all
principal balances to be calculated as of the first day of the month preceding
such Distribution Date after giving effect to Monthly Payments then due, whether
or not paid) and (b) the Initial Special Hazard Loss Amount, reduced (but not
below zero) by the amount of Realized Losses in respect of Special Hazard
Mortgage Loans previously incurred during the period from the Cut-Off Date
through the last day of the month preceding the month of such Distribution Date.
The Special Hazard Loss Amount may be further reduced from time to time below
the amounts specified above with the written consent of the Rating Agencies and
without resulting in a downgrading to the then-current rating of the
Certificates.
Special Hazard Mortgage Loan: Any Liquidated Mortgage Loan as to
which the ability to recover thereon was substantially impaired by reason of a
hazard or loss not covered by a hazard policy or flood insurance policy
maintained in respect of such Mortgaged Property pursuant to Section 3.12.
Special Retail Certificates: The Class A-6, Class A-7, Class A-8,
Class A-14 and Class A-18 Certificates.
Stated Principal Balance: As to any Mortgage Loan and date, the
unpaid principal balance of such Mortgage Loan as of the Due Date immediately
preceding such date as specified in the amortization schedule at the time
relating thereto (before any adjustment to such amortization schedule by reason
of any moratorium or similar waiver or grace period) after giving effect to any
previous partial Principal Prepayments and Liquidation Proceeds allocable to
principal (other than with respect to any Liquidated Mortgage Loan) and to the
payment of principal due on such Due Date and irrespective of any delinquency in
payment by the related Mortgagor, and after giving effect to any Deficient
Valuation.
Subordinate Certificates: The Class B Certificates.
Subordinate Percentage: As of any Distribution Date, 100% minus the
Senior Percentage for such Distribution Date.
Subordinate Prepayment Percentage: As to any Distribution Date, 100%
minus the Senior Prepayment Percentage for such Distribution Date.
Subordinate Principal Distribution Amount: With respect to any
Distribution Date, an amount equal to the sum of (i) the Subordinate Percentage
of the applicable Non-PO Percentage of all amounts described in clauses (a)
through (d) of the definition of "Non-PO Principal Amount" for such Distribution
Date and (ii) the Subordinate Prepayment Percentage of the applicable Non-PO
Percentage of the amounts described in clauses (e) and (f) of the definition of
"Non-PO Principal Amount" for such Distribution Date; provided, however, that if
a Debt Service Reduction that is an Excess Loss is sustained with respect to a
Mortgage Loan that is not a Liquidated Mortgage Loan, the Subordinate Principal
Distribution Amount will be reduced on the related Distribution Date by the
Subordinate Percentage of the applicable Non-PO Percentage of the principal
portion of such Debt Service Reduction.
Subservicer: Any Person with which the Servicer has entered into a
Subservicing Agreement and which satisfies the requirements set forth therein.
Subservicing Agreement: Any subservicing agreement (which, in the
event the Subservicer is an affiliate of the Servicer, need not be in writing)
between the Servicer and any Subservicer relating to servicing and/or
administration of certain Mortgage Loans as provided in Section 3.02.
Substitute Mortgage Loan: A Mortgage Loan substituted for a
Defective Mortgage Loan which must, on the date of such substitution (i) have a
Stated Principal Balance, after deduction of the principal portion of the
Monthly Payment due in the month of substitution, not in excess of, and not more
than 10% less than, the Stated Principal Balance of the Defective Mortgage Loan;
(ii) have a Net Mortgage Interest Rate equal to that of the Defective Mortgage
Loan; (iii) have a Loan-to-Value Ratio not higher than that of the Defective
Mortgage Loan; (iv) have a remaining term to maturity not greater than (and not
more than one year less than) that of the Defective Mortgage Loan; and (v)
comply with each Mortgage Loan representation and warranty set forth in the Sale
Agreement relating to the Defective Mortgage Loan. More than one Substitute
Mortgage Loan may be substituted for a Defective Mortgage Loan if such
Substitute Mortgage Loans meet the foregoing attributes in the aggregate.
Substitution Adjustment Amount: As defined in Section 2.02.
TAC Group: The Class A-21 Certificates and the Class A-19 TAC
Component, collectively.
TAC Principal Amount: As to any Distribution Date and for the TAC
Group, the amount, if any, that would reduce the balance of the TAC Group to the
balance shown in the table set forth in Exhibit L with respect to such
Distribution Date.
Tax Matters Person: The person designated as "tax matters person" in
accordance with Section 5.06 and the manner provided under Treasury Regulation
ss. 1.860F-4(d) and Treasury Regulation ss. 301.6231(a)(7)-1.
Treasury Regulations: The final and temporary regulations
promulgated under the Code by the U.S. Department of the Treasury.
Trust: The trust created by this Agreement.
Trust Estate: The corpus of the Trust created to the extent
described herein, consisting of the Mortgage Loans, such assets as shall from
time to time be identified as deposited in the Servicer Custodial Account or the
Certificate Account, in accordance with this Agreement, REO Property, the
Primary Insurance Policies and any other Required Insurance Policy and amounts
in the Rounding Accounts.
Trustee: The Bank of New York, and its successors-in-interest and,
if a successor trustee is appointed hereunder, such successor, as trustee.
Trustee Fee: As to any Distribution Date, an amount equal to
one-twelfth of the Trustee Fee Rate multiplied by the aggregate Stated Principal
Balance of the Mortgage Loans immediately following the Due Date in the month
preceding the month in which such Distribution Date occurs.
Trustee Fee Rate: With respect to each Mortgage Loan, 0.0035% per
annum.
Uncertificated Lower-Tier Interest: A regular interest in the
Lower-Tier REMIC which is held as an asset of the Upper-Tier REMIC and is
entitled to monthly distributions as provided in Section 5.02(a) hereof. Any of
the Class A-L1, Class A-L5, Class A-L9, Class A-L20, Class A-L21, Class A-LPO,
Class A-LUR, Class B-L1, Class B-L2, Class B-L3, Class B-L4, Class B-L5 and
Class B-L6 Interests are Uncertificated Lower-Tier Interests.
Underwriting Guidelines: The underwriting guidelines of Bank of
America, N.A.
Upper-Tier Certificate: Any one of the Class A Certificates (other
than the Class A-LR Certificate) and the Class B Certificates.
Upper-Tier Certificate Account: The separate Eligible Account
established and maintained by the Trustee pursuant to Section 3.08(f).
Upper-Tier REMIC: As defined in the Preliminary Statement, the
assets of which consist of the Uncertificated Lower-Tier Interests and such
amounts as shall from time to time be held in the Upper-Tier Certificate
Account.
U.S. Person: A citizen or resident of the United States, a
corporation or partnership (unless, in the case of a partnership, Treasury
Regulations are adopted that provide otherwise) created or organized in or under
the laws of the United States, any state thereof or the District of Columbia,
including an entity treated as a corporation or partnership for federal income
tax purposes, an estate whose income is subject to United States federal income
tax regardless of its source, or a trust if a court within the United States is
able to exercise primary supervision over the administration of such trust, and
one or more such U.S. Persons have the authority to control all substantial
decisions of such trust (or, to the extent provided in applicable Treasury
Regulations, certain trusts in existence on August 20, 1996 which are eligible
to elect to be treated as U.S. Persons).
Voting Rights: The portion of the voting rights of all of the
Certificates which is allocated to any Certificate. As of any date of
determination, (a) 1% of all Voting Rights shall be allocated to the Holders of
the Residual Certificates, (b) 1% of all Voting Rights shall be allocated to the
Holders of the Interest-Only Certificates and (c) the remaining Voting Rights
shall be allocated among Holders of the remaining Classes of Certificates in
proportion to the Certificate Balances of their respective Certificates on such
date.
Section 1.02 Interest Calculations. All calculations of interest
will be made on a 360-day year consisting of twelve 30-day months. All dollar
amounts calculated hereunder shall be rounded to the nearest xxxxx with one-half
of one xxxxx being rounded down.
ARTICLE II
CONVEYANCE OF MORTGAGE LOANS
ORIGINAL ISSUANCE OF CERTIFICATES
Section 2.01 Conveyance of Mortgage Loans.
(a) The Depositor, concurrently with the execution and delivery
hereof, hereby sells, transfers, assigns, sets over and otherwise conveys to the
Trustee on behalf of the Trust for the benefit of the Certificateholders,
without recourse, all the right, title and interest of the Depositor in and to
the Mortgage Loans, including all interest and principal received on or with
respect to the Mortgage Loans (other than payments of principal and interest due
and payable on the Mortgage Loans on or before the Cut-Off Date). The foregoing
sale, transfer, assignment and set over does not and is not intended to result
in a creation of an assumption by the Trustee of any obligation of the Depositor
or any other Person in connection with the Mortgage Loans or any agreement or
instrument relating thereto, except as specifically set forth herein.
(b) In connection with such transfer and assignment, the Depositor
has delivered or caused to be delivered to the Trustee, for the benefit of the
Certificateholders, the following documents or instruments with respect to each
Mortgage Loan so assigned:
(i) the original Mortgage Note, endorsed by manual or facsimile
signature in the following form: "Pay to the order of The Bank of New
York, as Trustee, without recourse," with all necessary intervening
endorsements showing a complete chain of endorsement from the originator
to the Trustee (each such endorsement being sufficient to transfer all
right, title and interest of the party so endorsing, as noteholder or
assignee thereof, in and to that Mortgage Note);
(ii) except as provided below, the original recorded Mortgage with
evidence of a recording thereon, or if any such Mortgage has not been
returned from the applicable recording office or has been lost, or if such
public recording office retains the original recorded Mortgage, a copy of
such Mortgage certified by the Depositor as being a true and correct copy
of the Mortgage;
(iii) subject to the provisos at the end of this paragraph, a duly
executed Assignment of Mortgage to "The Bank of New York, as trustee for
the holders of the Bank of America Mortgage Securities, Inc. Mortgage
Pass-Through Certificates, Series 2000-7" (which may be included in a
blanket assignment or assignments), together with, except as provided
below, originals of all interim recorded assignments of such mortgage or a
copy of such interim assignment certified by the Depositor as being a true
and complete copy of the original recorded intervening assignments of
Mortgage (each such assignment, when duly and validly completed, to be in
recordable form and sufficient to effect the assignment of and transfer to
the assignee thereof, under the Mortgage to which the assignment relates);
provided that, if the related Mortgage has not been returned from the
applicable public recording office, such Assignment of Mortgage may
exclude the information to be provided by the recording office; and
provided, further, if the related Mortgage has been recorded in the name
of Mortgage Electronic Registration Systems, Inc. ("MERS") or its
designee, no Assignment of Mortgage in favor of the Trustee will be
required to be prepared or delivered and instead, the Servicer shall take
all actions as are necessary to cause the Trust to be shown as the owner
of the related Mortgage Loan on the records of MERS for purposes of the
system of recording transfers of beneficial ownership of mortgages
maintained by MERS;
(iv) the originals of all assumption, modification, consolidation or
extension agreements, if any, with evidence of recording thereon, if any;
(v)the original or duplicate original mortgagee title insurance
policy and all riders thereto;
(vi) the original of any guarantee executed in connection with the
Mortgage Note;
(vii) for each Mortgage Loan which is secured by a residential
long-term lease, a copy of the lease with evidence of recording indicated
thereon, or, if the lease is in the process of being recorded, a photocopy
of the lease, certified by an officer of the respective prior owner of
such Mortgage Loan or by the applicable title insurance company,
closing/settlement/escrow agent or company or closing attorney to be a
true and correct copy of the lease transmitted for recordation;
(viii) the original of any security agreement, chattel mortgage or
equivalent document executed in connection with the Mortgage; and
(ix) for each Mortgage Loan secured by Co-op Shares, the originals
of the following documents or instruments:
(A) The stock certificate;
(B) The stock power executed in blank;
(C) The executed proprietary lease;
(D) The executed recognition agreement;
(E) The executed assignment of recognition agreement;
(F) The executed UCC-1 financing statement with evidence of
recording thereon; and
(G) Executed UCC-3 financing statements or other appropriate
UCC financing statements required by state law, evidencing a
complete and unbroken line from the mortgagee to the Trustee with
evidence of recording thereon (or in a form suitable for
recordation).
provided, however, that on the Closing Date, with respect to item (iii), the
Depositor has delivered to the Trustee a copy of such Assignment of Mortgage in
blank and has caused the Servicer to retain the completed Assignment of Mortgage
for recording as described below, unless such Mortgage has been recorded in the
name of MERS or its designee. In addition, if the Depositor is unable to deliver
or cause the delivery of any original Mortgage Note due to the loss of such
original Mortgage Note, the Depositor may deliver a copy of such Mortgage Note,
together with a lost note affidavit, and shall thereby be deemed to have
satisfied the document delivery requirements of this Section 2.01(b).
If in connection with any Mortgage Loans, the Depositor cannot
deliver (A) the Mortgage, (B) all interim recorded assignments, (C) all
assumption, modification, consolidation or extension agreements, if any, or (D)
the lender's title policy (together with all riders thereto) satisfying the
requirements of clause (ii), (iii), (iv) or (v) above, respectively,
concurrently with the execution and delivery hereof because such document or
documents have not been returned from the applicable public recording office in
the case of clause (ii), (iii) or (iv) above, or because the title policy has
not been delivered to either the Servicer or the Depositor by the applicable
title insurer in the case of clause (v) above, the Depositor shall promptly
deliver or cause to be delivered to the Trustee or the Custodian on behalf of
the Trustee, in the case of clause (ii), (iii) or (iv) above, such Mortgage,
such interim assignment or such assumption, modification, consolidation or
extension agreement, as the case may be, with evidence of recording indicated
thereon upon receipt thereof from the public recording office, but in no event
shall any such delivery of any such documents or instruments be made later than
one year following the Closing Date, unless, in the case of clause (ii), (iii)
or (iv) above, there has been a continuing delay at the applicable recording
office or, in the case of clause (v), there has been a continuing delay at the
applicable insurer and the Depositor has delivered the Officer's Certificate to
such effect to the Trustee. The Depositor shall forward or cause to be forwarded
to the Trustee (1) from time to time additional original documents evidencing an
assumption or modification of a Mortgage Loan and (2) any other documents
required to be delivered by the Depositor or the Servicer to the Trustee or the
Custodian on the Trustee's behalf. In the event that the original Mortgage is
not delivered and in connection with the payment in full of the related Mortgage
Loan the public recording office requires the presentation of a "lost
instruments affidavit and indemnity" or any equivalent document, because only a
copy of the Mortgage can be delivered with the instrument of satisfaction or
reconveyance, the Servicer shall prepare, execute and deliver or cause to be
prepared, executed and delivered, on behalf of the Trust, such a document to the
public recording office.
As promptly as practicable subsequent to such transfer and
assignment, and in any event, within 30 days thereafter, the Servicer shall
(except for any Mortgage which has been recorded in the name of MERS or its
designee) (I) cause each Assignment of Mortgage to be in proper form for
recording in the appropriate public office for real property records within 30
days of the Closing Date and (II) at the Depositor's expense, cause to be
delivered for recording in the appropriate public office for real property
records the Assignments of the Mortgages to the Trustee, except that, with
respect to any Assignment of a Mortgage as to which the Servicer has not
received the information required to prepare such assignment in recordable form,
the Servicer's obligation to do so and to deliver the same for such recording
shall be as soon as practicable after receipt of such information and in any
event within 30 days after the receipt thereof and, no recording of an
Assignment of Mortgage will be required if the Depositor furnishes to the
Trustee an unqualified Opinion of Counsel reasonably acceptable to the Trustee
to the effect that recordation of such assignment is not necessary under
applicable state law to preserve the Trustee's interest in the related Mortgage
Loan against the claim of any subsequent transferee of such Mortgage Loan or any
successor to, or creditor of, the Depositor or the originator of such Mortgage
Loan.
In the case of Mortgage Loans that have been prepaid in full as of
the Closing Date, the Depositor, in lieu of delivering the above documents to
the Trustee, or the Custodian on the Trustee's behalf, will cause the Servicer
to deposit in the Servicer Custodial Account the portion of such payment that is
required to be deposited in the Servicer Custodial Account pursuant to Section
3.08.
Section 2.02 Acceptance by the Trustee of the Mortgage Loans.
Subject to the provisions of the following paragraph, the Trustee declares that
it, or the Custodian as its agent, will hold the documents referred to in
Section 2.01 and the other documents delivered to it constituting the Mortgage
Files, and that it will hold such other assets as are included in the Trust
Estate, in trust for the exclusive use and benefit of all present and future
Certificateholders.
Within 90 days after the execution and delivery of this Agreement,
the Trustee shall review, or cause the Custodian to review, the Mortgage Files
in its possession. If, in the course of such review, the Trustee or the
Custodian finds any document constituting a part of a Mortgage File which does
not meet the requirements of Section 2.01 or is omitted from such Mortgage File,
the Trustee shall promptly so notify the Servicer and the Depositor, or shall
cause the Custodian to promptly so notify the Servicer and the Depositor. In
performing any such review, the Trustee or the Custodian may conclusively rely
on the purported genuineness of any such document and any signature thereon. It
is understood that the scope of the Trustee's or the Custodian's review of the
Mortgage Files is limited solely to confirming that the documents listed in
Section 2.01 have been received and further confirming that any and all
documents delivered pursuant to Section 2.01 appear on their face to have been
executed and relate to the Mortgage Loans identified in the Mortgage Loan
Schedule. Neither the Trustee nor the Custodian shall have any responsibility
for determining whether any document is valid and binding, whether the text of
any assignment or endorsement is in proper or recordable form, whether any
document has been recorded in accordance with the requirements of any applicable
jurisdiction, or whether a blanket assignment is permitted in any applicable
jurisdiction. The Depositor hereby covenants and agrees that it will promptly
correct or cure such defect within 90 days from the date it was so notified of
such defect and, if the Depositor does not correct or cure such defect within
such period, the Depositor will either (a) substitute for the related Mortgage
Loan a Substitute Mortgage Loan, which substitution shall be accomplished in the
manner and subject to the conditions set forth below or (b) purchase such
Mortgage Loan from the Trustee at the Repurchase Price for such Mortgage Loan;
provided, however, that in no event shall such a substitution occur more than
two years from the Closing Date; provided, further, that such substitution or
repurchase shall occur within 90 days of when such defect was discovered if such
defect will cause the Mortgage Loan not to be a "qualified mortgage" within the
meaning of Section 860G(a)(3) of the Code.
With respect to each Substitute Mortgage Loan the Depositor shall
deliver to the Trustee, for the benefit of the Certificateholders, the Mortgage
Note, the Mortgage, the related Assignment of Mortgage (except for any Mortgage
which has been recorded in the name of MERS or its designee), and such other
documents and agreements as are otherwise required by Section 2.01, with the
Mortgage Note endorsed and the Mortgage assigned as required by Section 2.01. No
substitution is permitted to be made in any calendar month after the
Determination Date for such month. Monthly Payments due with respect to any such
Substitute Mortgage Loan in the month of substitution shall not be part of the
Trust Estate and will be retained by the Depositor. For the month of
substitution, distributions to Certificateholders will include the Monthly
Payment due for such month on any Defective Mortgage Loan for which the
Depositor has substituted a Substitute Mortgage Loan.
The Servicer shall amend the Mortgage Loan Schedule for the benefit
of the Certificateholders to reflect the removal of each Mortgage Loan that has
become a Defective Mortgage Loan and the substitution of the Substitute Mortgage
Loan or Loans and the Servicer shall deliver the amended Mortgage Loan Schedule
to the Trustee and the Custodian. Upon such substitution, each Substitute
Mortgage Loan shall be subject to the terms of this Agreement in all respects,
and the Depositor shall be deemed to have made to the Trustee with respect to
such Substitute Mortgage Loan, as of the date of substitution, the
representations and warranties made pursuant to Section 2.04. Upon any such
substitution and the deposit to the Servicer Custodial Account of any required
Substitution Adjustment Amount (as described in the next paragraph) and receipt
of a Request for Release, the Trustee shall release, or shall direct the
Custodian to release, the Mortgage File relating to such Defective Mortgage Loan
to the Depositor and shall execute and deliver at the Depositor's direction such
instruments of transfer or assignment prepared by the Depositor, in each case
without recourse, as shall be necessary to vest title in the Depositor, or its
designee, to the Trustee's interest in any Defective Mortgage Loan substituted
for pursuant to this Section 2.02.
For any month in which the Depositor substitutes one or more
Substitute Mortgage Loans for one or more Defective Mortgage Loans, the amount
(if any) by which the aggregate principal balance of all such Substitute
Mortgage Loans as of the date of substitution is less than the aggregate Stated
Principal Balance of all such Defective Mortgage Loans (after application of the
principal portion of the Monthly Payments due in the month of substitution) (the
"Substitution Adjustment Amount") plus an amount equal to the aggregate of any
unreimbursed Advances with respect to such Defective Mortgage Loans shall be
deposited into the Certificate Account by the Depositor on or before the
Remittance Date for the Distribution Date in the month succeeding the calendar
month during which the related Mortgage Loan is required to be purchased or
replaced hereunder.
The Trustee shall retain or shall cause the Custodian to retain
possession and custody of each Mortgage File in accordance with and subject to
the terms and conditions set forth herein. The Servicer shall promptly deliver
to the Trustee, upon the execution or, in the case of documents requiring
recording, receipt thereof, the originals of such other documents or instruments
constituting the Mortgage File as come into the Servicer's possession from time
to time.
It is understood and agreed that the obligation of the Depositor to
substitute for or to purchase any Mortgage Loan which does not meet the
requirements of Section 2.01 shall constitute the sole remedy respecting such
defect available to the Trustee and any Certificateholder against the Depositor.
The Trustee or the Custodian, on behalf of the Trustee, shall be
under no duty or obligation (i) to inspect, review or examine any such
documents, instruments, certificates or other papers to determine that they are
genuine, enforceable, or appropriate for the represented purpose or that they
are other than what they purport to be on their face or (ii) to determine
whether any Mortgage File should include any of the documents specified in
Section 2.01(b)(iv), (vi), (vii) and (viii).
Section 2.03 Representations, Warranties and Covenants of the
Servicer.
The Servicer hereby makes the following representations and
warranties to the Depositor and the Trustee, as of the Closing Date:
(i) The Servicer is a national banking association duly organized,
validly existing, and in good standing under the federal laws of the
United States of America and has all licenses necessary to carry on its
business as now being conducted and is licensed, qualified and in good
standing in each of the states where a Mortgaged Property is located if
the laws of such state require licensing or qualification in order to
conduct business of the type conducted by the Servicer. The Servicer has
power and authority to execute and deliver this Agreement and to perform
in accordance herewith; the execution, delivery and performance of this
Agreement (including all instruments of transfer to be delivered pursuant
to this Agreement) by the Servicer and the consummation of the
transactions contemplated hereby have been duly and validly authorized.
This Agreement, assuming due authorization, execution and delivery by the
other parties hereto, evidences the valid, binding and enforceable
obligation of the Servicer, subject to applicable law except as
enforceability may be limited by (A) bankruptcy, insolvency, liquidation,
receivership, moratorium, reorganization or other similar laws affecting
the enforcement of the rights of creditors and (B) general principles of
equity, whether enforcement is sought in a proceeding in equity or at law.
All requisite corporate action has been taken by the Servicer to make this
Agreement valid and binding upon the Servicer in accordance with its
terms.
(ii) No consent, approval, authorization or order is required for
the transactions contemplated by this Agreement from any court,
governmental agency or body, or federal or state regulatory authority
having jurisdiction over the Servicer is required or, if required, such
consent, approval, authorization or order has been or will, prior to the
Closing Date, be obtained.
(iii) The consummation of the transactions contemplated by this
Agreement are in the ordinary course of business of the Servicer and will
not result in the breach of any term or provision of the charter or
by-laws of the Servicer or result in the breach of any term or provision
of, or conflict with or constitute a default under or result in the
acceleration of any obligation under, any agreement, indenture or loan or
credit agreement or other instrument to which the Servicer or its property
is subject, or result in the violation of any law, rule, regulation,
order, judgment or decree to which the Servicer or its property is
subject.
(iv) There is no action, suit, proceeding or investigation pending
or, to the best knowledge of the Servicer, threatened against the Servicer
which, either individually or in the aggregate, would result in any
material adverse change in the business, operations, financial condition,
properties or assets of the Servicer, or in any material impairment of the
right or ability of the Servicer to carry on its business substantially as
now conducted or which would draw into question the validity of this
Agreement or the Mortgage Loans or of any action taken or to be taken in
connection with the obligations of the Servicer contemplated herein, or
which would materially impair the ability of the Servicer to perform under
the terms of this Agreement.
The representations and warranties made pursuant to this Section
2.03 shall survive delivery of the respective Mortgage Files to the Trustee for
the benefit of the Certificateholders.
Section 2.04 Representations and Warranties of the Depositor as to
the Mortgage Loans.
The Depositor hereby represents and warrants to the Trustee with
respect to the Mortgage Loans or each Mortgage Loan, as the case may be, as of
the date hereof or such other date set forth herein that as of the Closing Date:
(i) The information set forth in the Mortgage Loan Schedule is true
and correct in all material respects.
(ii) There are no delinquent taxes, ground rents, governmental
assessments, insurance premiums, leasehold payments, including assessments
payable in future installments or other outstanding charges affecting the
lien priority of the related Mortgaged Property.
(iii) The terms of the Mortgage Note and the Mortgage have not been
impaired, waived, altered or modified in any respect, except by written
instruments, recorded in the applicable public recording office if
necessary to maintain the lien priority of the Mortgage, and which have
been delivered to the Trustee; the substance of any such waiver,
alteration or modification has been approved by the insurer under the
Primary Mortgage Insurance Policy, if any, the title insurer, to the
extent required by the related policy, and is reflected on the Mortgage
Loan Schedule. No instrument of waiver, alteration or modification has
been executed, and no Mortgagor has been released, in whole or in part,
except in connection with an assumption agreement approved by the insurer
under the Primary Mortgage Insurance Policy, if any, the title insurer, to
the extent required by the policy, and which assumption agreement has been
delivered to the Trustee.
(iv) The Mortgage Note and the Mortgage are not subject to any right
of rescission, set-off, counterclaim or defense, including the defense of
usury, nor will the operation of any of the terms of the Mortgage Note and
the Mortgage, or the exercise of any right thereunder, render either the
Mortgage Note or the Mortgage unenforceable, in whole or in part, or
subject to any right of rescission, set-off, counterclaim or defense,
including the defense of usury and no such right of rescission, set-off,
counterclaim or defense has been asserted with respect thereto.
(v) All buildings upon the Mortgaged Property are insured by an
insurer generally acceptable to prudent mortgage lending institutions
against loss by fire, hazards of extended coverage and such other hazards
as are customary in the area the Mortgaged Property is located, pursuant
to insurance policies conforming to the requirements of Customary
Servicing Procedures and this Agreement. All such insurance policies
contain a standard mortgagee clause naming the originator of the Mortgage
Loan, its successors and assigns as mortgagee and all premiums thereon
have been paid. If the Mortgaged Property is in an area identified on a
flood hazard map or flood insurance rate map issued by the Federal
Emergency Management Agency as having special flood hazards (and such
flood insurance has been made available), a flood insurance policy meeting
the requirements of the current guidelines of the Federal Insurance
Administration is in effect which policy conforms to the requirements of
FNMA or FHLMC. The Mortgage obligates the Mortgagor thereunder to maintain
all such insurance at the Mortgagor's cost and expense, and on the
Mortgagor's failure to do so, authorizes the holder of the Mortgage to
maintain such insurance at Mortgagor's cost and expense and to seek
reimbursement therefor from the Mortgagor.
(vi) Any and all requirements of any federal, state or local law
including, without limitation, usury, truth in lending, real estate
settlement procedures, consumer credit protections, equal credit
opportunity or disclosure laws applicable to the origination and servicing
of Mortgage Loan have been complied with.
(vii) The Mortgage has not been satisfied, canceled, subordinated or
rescinded, in whole or in part (other than as to Principal Prepayments in
full which may have been received prior to the Closing Date), and the
Mortgaged Property has not been released from the lien of the Mortgage, in
whole or in part, nor has any instrument been executed that would effect
any such satisfaction, cancellation, subordination, rescission or release.
(viii) The Mortgage is a valid, existing and enforceable first lien
on the Mortgaged Property, including all improvements on the Mortgaged
Property subject only to (A) the lien of current real property taxes and
assessments not yet due and payable, (B) covenants, conditions and
restrictions, rights of way, easements and other matters of the public
record as of the date of recording being acceptable to mortgage lending
institutions generally and specifically referred to in the lender's title
insurance policy delivered to the originator of the Mortgage Loan and
which do not adversely affect the Appraised Value of the Mortgaged
Property, (C) if the Mortgaged Property consists of Co-op Shares, any lien
for amounts due to the cooperative housing corporation for unpaid
assessments or charges or any lien of any assignment of rents or
maintenance expenses secured by the real property owned by the cooperative
housing corporation, and (D) other matters to which like properties are
commonly subject which do not materially interfere with the benefits of
the security intended to be provided by the Mortgage or the use,
enjoyment, value or marketability of the related Mortgaged Property. Any
security agreement, chattel mortgage or equivalent document related to and
delivered in connection with the Mortgage Loan establishes and creates a
valid, existing and enforceable first lien and first priority security
interest on the property described therein and the Depositor has the full
right to sell and assign the same to the Trustee.
(ix) The Mortgage Note and the related Mortgage are genuine and each
is the legal, valid and binding obligation of the maker thereof,
enforceable in accordance with its terms except as enforceability may be
limited by (A) bankruptcy, insolvency, liquidation, receivership,
moratorium, reorganization or other similar laws affecting the enforcement
of the rights of creditors and (B) general principles of equity, whether
enforcement is sought in a proceeding in equity or at law.
(x) All parties to the Mortgage Note and the Mortgage had legal
capacity to enter into the Mortgage Loan and to execute and deliver the
Mortgage Note and the Mortgage, and the Mortgage Note and the Mortgage
have been duly and properly executed by such parties.
(xi) The proceeds of the Mortgage Loan have been fully disbursed to
or for the account of the Mortgagor and there is no obligation for the
Mortgagee to advance additional funds thereunder and any and all
requirements as to completion of any on-site or off-site improvements and
as to disbursements of any escrow funds therefor have been complied with.
All costs fees and expenses incurred in making or closing the Mortgage
Loan and the recording of the Mortgage have been paid, and the Mortgagor
is not entitled to any refund of any amounts paid or due to the Mortgagee
pursuant to the Mortgage Note or Mortgage.
(xii) To the best of the Depositor's knowledge, all parties which
have had any interest in the Mortgage Loan, whether as mortgagee,
assignee, pledgee or otherwise, are (or, during the period in which they
held and disposed of such interest, were) in compliance with any and all
applicable "doing business" and licensing requirements of the laws of the
state wherein the Mortgaged Property is located.
(xiii) The Mortgage Loan is covered by an ALTA lender's title
insurance policy, acceptable to FNMA or FHLMC, issued by a title insurer
acceptable to FNMA or FHLMC and qualified to do business in the
jurisdiction where the Mortgaged Property is located, insuring (subject to
the exceptions contained in (viii)(A) and (B) above) the Seller, its
successors and assigns as to the first priority lien of the Mortgage in
the original principal amount of the Mortgage Loan. The Depositor is the
sole insured of such lender's title insurance policy, and such lender's
title insurance policy is in full force and effect and will be in full
force and effect upon the consummation of the transactions contemplated by
this Agreement. No claims have been made under such lender's title
insurance policy, and the Depositor has not done, by act or omission,
anything which would impair the coverage of such lender's title insurance
policy.
(xiv) There is no default, breach, violation or event of
acceleration existing under the Mortgage or the Mortgage Note and no event
which, with the passage of time or with notice and the expiration of any
grace or cure period, would constitute a default, breach, violation or
event of acceleration, and the Seller has not waived any default, breach,
violation or event of acceleration.
(xv) As of the date of origination of the Mortgage Loan, there had
been no mechanics' or similar liens or claims filed for work, labor or
material (and no rights are outstanding that under law could give rise to
such lien) affecting the relating Mortgaged Property which are or may be
liens prior to, or equal or coordinate with, the lien of the related
Mortgage.
(xvi) All improvements which were considered in determining the
Appraised Value of the related Mortgaged Property lay wholly within the
boundaries and building restriction lines of the Mortgaged Property, and
no improvements on adjoining properties encroach upon the Mortgaged
Property.
(xvii) The Mortgage Loan was originated by a commercial bank or
similar banking institution which is supervised and examined by a federal
or state authority, or by a mortgagee approved by the Secretary of HUD.
(xviii) Principal payments on the Mortgage Loan commenced no more
than sixty days after the proceeds of the Mortgaged Loan were disbursed.
The Mortgage Loans are 30-year fixed rate mortgage loans having an
original term to maturity of not more than 30 years, with interest payable
in arrears on the first day of the month. Each Mortgage Note requires a
monthly payment which is sufficient to fully amortize the original
principal balance over the original term thereof and to pay interest at
the related Mortgage Interest Rate. The Mortgage Note does not permit
negative amortization.
(xix) There is no proceeding pending or, to the Depositor's
knowledge, threatened for the total or partial condemnation of the
Mortgaged Property and such property is in good repair and is undamaged by
waste, fire, earthquake or earth movement, windstorm, flood, tornado or
other casualty, so as to affect adversely the value of the Mortgaged
Property as security for the Mortgage Loan or the use for which the
premises were intended.
(xx) The Mortgage and related Mortgage Note contain customary and
enforceable provisions such as to render the rights and remedies of the
holder thereof adequate for the realization against the Mortgaged Property
of the benefits of the security provided thereby, including (A) in the
case of a Mortgage designated as a deed of trust, by trustee's sale, and
(B) otherwise by judicial foreclosure. To the best of the Depositor's
knowledge, following the date of origination of the Mortgage Loan, the
Mortgaged Property has not been subject to any bankruptcy proceeding or
foreclosure proceeding and the Mortgagor has not filed for protection
under applicable bankruptcy laws. There is no homestead or other exemption
or right available to the Mortgagor or any other person which would
interfere with the right to sell the Mortgaged Property at a trustee's
sale or the right to foreclose the Mortgage.
(xxi) The Mortgage Note and Mortgage are on forms acceptable to FNMA
or FHLMC.
(xxii) The Mortgage Note is not and has not been secured by any
collateral except the lien of the corresponding Mortgage on the Mortgaged
Property and the security interest of any applicable security agreement or
chattel mortgage referred to in (viii) above.
(xxiii) The Mortgage File contains an appraisal of the related
Mortgaged Property, in a form acceptable to FNMA or FHLMC and such
appraisal complies with the requirements of FIRREA, and was made and
signed, prior to the approval of the Mortgage Loan application, by a
Qualified Appraiser.
(xxiv) In the event the Mortgage constitutes a deed of trust, a
trustee, duly qualified under applicable law to serve as such, has been
properly designated and currently so serves, and no fees or expenses are
or will become payable by the Trustee to the trustee under the deed of
trust, except in connection with a trustee's sale after default by the
Mortgagor.
(xxv) No Mortgage Loan is a graduated payment mortgage loan, no
Mortgage Loan has a shared appreciation or other contingent interest
feature, and no Mortgage Loan contains any "buydown" provision.
(xxvi) The Mortgagor has received all disclosure materials required
by applicable law with respect to the making of mortgage loans of the same
type as the Mortgage Loan and rescission materials required by applicable
law if the Mortgage Loan is a Refinance Mortgage Loan.
(xxvii) Each Mortgage Loan with a Loan-to-Value Ratio at origination
in excess of 80% will be subject to a Primary Mortgage Insurance Policy,
issued by an insurer acceptable to FNMA or FHLMC, which insures that
portion of the Mortgage Loan in excess of the portion of the Appraised
Value of the Mortgaged Property required by FNMA. All provisions of such
Primary Mortgage Insurance Policy have been and are being complied with,
such policy is in full force and effect, and all premiums due thereunder
have been paid. Any Mortgage subject to any such Primary Mortgage
Insurance Policy obligates the Mortgagor thereunder to maintain such
insurance and to pay all premiums and charges in connection therewith at
least until Loan-to-Value Ratio of such Mortgage Loan is reduced to less
than 80%. The Mortgage Interest Rate for the Mortgage Loan does not
include any such insurance premium.
(xxviii) To the best of the Depositor's knowledge as of the date of
origination of the Mortgage Loan, (A) the Mortgaged Property is lawfully
occupied under applicable law, (B) all inspections, licenses and
certificates required to be made or issued with respect to all occupied
portions of the Mortgaged Property and, with respect to the use and
occupancy of the same, including but not limited to certificates of
occupancy, have been made or obtained from the appropriate authorities and
(C) no improvement located on or part of the Mortgaged Property is in
violation of any zoning law or regulation.
(xxix) The Assignment of Mortgage (except with respect to any
Mortgage that has been recorded in the name of MERS or its designee) is in
recordable form and is acceptable for recording under the laws of the
jurisdiction in which the Mortgaged Property is located.
(xxx) All payments required to be made prior to the Cut-Off Date for
such Mortgage Loan under the terms of the Mortgage Note have been made and
no Mortgage Loan has been more than 30 days delinquent more than once in
the twelve month period immediately prior to the Cut-Off Date.
(xxxi) With respect to each Mortgage Loan, the Depositor or Servicer
is in possession of a complete Mortgage File except for the documents
which have been delivered to the Trustee or which have been submitted for
recording and not yet returned.
(xxxii) Immediately prior to the transfer and assignment
contemplated herein, the Depositor was the sole owner and holder of the
Mortgage Loans. The Mortgage Loans were not assigned or pledged by the
Depositor and the Depositor had good and marketable title thereto, and the
Depositor had full right to transfer and sell the Mortgage Loans to the
Trustee free and clear of any encumbrance, participation interest, lien,
equity, pledge, claim or security interest and had full right and
authority subject to no interest or participation in, or agreement with
any other party to sell or otherwise transfer the Mortgage Loans.
(xxxiii) Any future advances made prior to the Cut-Off Date have
been consolidated with the outstanding principal amount secured by the
Mortgage, and the secured principal amount, as consolidated, bears a
single interest rate and single repayment term. The lien of the Mortgage
securing the consolidated principal amount is expressly insured as having
first lien priority by a title insurance policy, an endorsement to the
policy insuring the mortgagee's consolidated interest or by other title
evidence acceptable to FNMA and FHLMC. The consolidated principal amount
does not exceed the original principal amount of the Mortgage Loan.
(xxxiv) The Mortgage Loan was underwritten in accordance with the
applicable Underwriting Guidelines in effect at the time of origination
with exceptions thereto exercised in a reasonable manner.
(xxxv) If the Mortgage Loan is secured by a long-term residential
lease, (1) the lessor under the lease holds a fee simple interest in the
land; (2) the terms of such lease expressly permit the mortgaging of the
leasehold estate, the assignment of the lease without the lessor's consent
and the acquisition by the holder of the Mortgage of the rights of the
lessee upon foreclosure or assignment in lieu of foreclosure or provide
the holder of the Mortgage with substantially similar protections; (3) the
terms of such lease do not (a) allow the termination thereof upon the
lessee's default without the holder of the Mortgage being entitled to
receive written notice of, and opportunity to cure, such default, (b)
allow the termination of the lease in the event of damage or destruction
as long as the Mortgage is in existence, (c) prohibit the holder of the
Mortgage from being insured (or receiving proceeds of insurance) under the
hazard insurance policy or policies relating to the Mortgaged Property or
(d) permit any increase in the rent other than pre-established increases
set forth in the lease; (4) the original term of such lease in not less
than 15 years; (5) the term of such lease does not terminate earlier than
five years after the maturity date of the Mortgage Note; and (6) the
Mortgaged Property is located in a jurisdiction in which the use of
leasehold estates in transferring ownership in residential properties is a
widely accepted practice.
(xxxvi) The Mortgaged Property is located in the state identified in
the Mortgage Loan Schedule and consists of a parcel of real property with
a detached single family residence erected thereon, or a two- to
four-family dwelling, or an individual condominium unit, or an individual
unit in a planned unit development, or, in the case of Mortgage Loans
secured by Co-op Shares, leases or occupancy agreements; provided,
however, that any condominium project or planned unit development
generally conforms with the applicable Underwriting Guidelines regarding
such dwellings, and no residence or dwelling is a mobile home or a
manufactured dwelling.
(xxxvii) The Depositor used no adverse selection procedures in
selecting the Mortgage Loan for inclusion in the Trust Estate.
(xxxviii)Each Mortgage Loan is a "qualified mortgage" within Section
860G(a)(3) of the Code.
(xxxix) With respect to each Mortgage where a lost note affidavit
has been delivered to the Trustee in place of the related Mortgage Note,
the related Mortgage Note is no longer in existence.
Notwithstanding the foregoing, no representations or warranties are
made by the Depositor as to the environmental condition of any Mortgaged
Property; the absence, presence or effect of hazardous wastes or hazardous
substances on any Mortgaged Property; any casualty resulting from the presence
or effect of hazardous wastes or hazardous substances on, near or emanating from
any Mortgaged Property; the impact on Certificateholders of any environmental
condition or presence of any hazardous substance on or near any Mortgaged
Property; or the compliance of any Mortgaged Property with any environmental
laws, nor is any agent, Person or entity otherwise affiliated with the Depositor
authorized or able to make any such representation, warranty or assumption of
liability relative to any Mortgaged Property. In addition, no representations or
warranties are made by the Depositor with respect to the absence or effect of
fraud in the origination of any Mortgage Loan.
It is understood and agreed that the representations and warranties
set forth in this Section 2.04 shall survive delivery of the respective Mortgage
Files to the Trustee or the Custodian and shall inure to the benefit of the
Trustee, notwithstanding any restrictive or qualified endorsement or assignment.
Upon discovery by either the Depositor, the Servicer, the Trustee or
the Custodian that any of the representations and warranties set forth in this
Section 2.04 is not accurate (referred to herein as a "breach") and that such
breach materially and adversely affects the interests of the Certificateholders
in the related 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 that any such breach that causes the
Mortgage Loan not to be a "qualified mortgage" within the meaning of Section
860G(a)(3) of the Code shall be deemed to materially and adversely affect the
interests of the Certificateholders. Within 90 days of its discovery or its
receipt of notice of any such breach, the Depositor shall cure such breach in
all material respects or shall either (i) repurchase the Mortgage Loan or any
property acquired in respect thereof from the Trustee at a price equal to the
Repurchase Price or (ii) if within two years of the Closing Date, substitute for
such Mortgage Loan in the manner described in Section 2.02; 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 repurchase or substitution
must occur within 90 days from the date the breach was discovered. The
Repurchase Price of any repurchase described in this paragraph and the
Substitution Adjustment Amount, if any, shall be deposited in the Certificate
Account. It is understood and agreed that the obligation of the Depositor to
repurchase or substitute for any Mortgage Loan or Mortgaged Property as to which
such a breach has occurred and is continuing shall constitute the sole remedy
respecting such breach available to Certificateholders, or to the Trustee on
behalf of Certificateholders, and such obligation shall survive until
termination of the Trust hereunder.
Section 2.05 Designation of Interests in the REMICs. The Depositor
hereby designates the Classes of Class A Certificates (other than the Class
A-19, Class A-R and Class A-LR Certificates), the Classes of Class B
Certificates and the Components as classes of "regular interests" and the Class
A-R Certificate as the single class of "residual interest" in the Upper-Tier
REMIC for the purposes of Code Sections 860G(a)(1) and 860G(a)(2), respectively.
The Depositor hereby further designates the Class A-L1 Interest, Class A-L5
Interest, Class A-L9 Interest, Class A-L20 Interest, Class A-L21 Interest, Class
A-LPO Interest, Class A-LUR Interest, Class B-L1 Interest, Class B-L2 Interest,
Class B-L3 Interest, Class B-L4 Interest, Class B-L5 Interest and Class B-L6
Interest as classes of "regular interests" and the Class A-LR Certificate as the
single class of "residual interest" in the Lower-Tier REMIC for the purposes of
Code Sections 860G(a)(1) and 860G(a)(2), respectively.
Section 2.06 Designation of Start-up Day. The Closing Date is hereby
designated as the "start-up day" of each of the Upper-Tier REMIC and Lower-Tier
REMIC within the meaning of Section 860G(a)(9) of the Code.
Section 2.07 REMIC Certificate Maturity Date. Solely for purposes of
satisfying Section 1.860G-1(a)(4)(iii) of the Treasury Regulations, the "latest
possible maturity date" of the regular interests in the Upper-Tier REMIC and
Lower-Tier REMIC is December 25, 2030.
Section 2.08 Execution and Delivery of Certificates. The Trustee (i)
acknowledges the issuance of and hereby declares that it holds the
Uncertificated Lower-Tier Interests on behalf of the Upper-Tier REMIC and the
Certificateholders and (ii) has executed and delivered to or upon the order of
the Depositor, in exchange for the Mortgage Loans and Uncertificated Lower-Tier
Interests together with all other assets included in the definition of "Trust
Estate," receipt of which is hereby acknowledged, Certificates in authorized
denominations which, together with the Uncertificated Lower-Tier Interests,
evidence ownership of the entire Trust Estate.
ARTICLE III
ADMINISTRATION AND SERVICING
OF MORTGAGE LOANS
Section 3.01 Servicer to Service Mortgage Loans. For and on behalf
of the Certificateholders, the Servicer shall service and administer the
Mortgage Loans, all in accordance with the terms of this Agreement, Customary
Servicing Procedures, applicable law and the terms of the Mortgage Notes and
Mortgages. In connection with such servicing and administration, the Servicer
shall have full power and authority, acting alone and/or through Subservicers as
provided in Section 3.02, to do or cause to be done any and all things that it
may deem necessary or desirable in connection with such servicing and
administration including, but not limited to, the power and authority, subject
to the terms hereof, (a) to execute and deliver, on behalf of the
Certificateholders and the Trustee, customary consents or waivers and other
instruments and documents, (b) to consent, with respect to the Mortgage Loans it
services, to transfers of any Mortgaged Property and assumptions of the Mortgage
Notes and related Mortgages (but only in the manner provided in this Agreement),
(c) to collect any Insurance Proceeds and other Liquidation Proceeds relating to
the Mortgage Loans it services, and (d) to effectuate foreclosure or other
conversion of the ownership of the Mortgaged Property securing any Mortgage Loan
it services. The Servicer shall represent and protect the interests of the Trust
in the same manner as it protects its own interests in mortgage loans in its own
portfolio in any claim, proceeding or litigation regarding a Mortgage Loan and
shall not make or permit any modification, waiver or amendment of any term of
any Mortgage Loan, except as provided pursuant to Section 3.21. Without limiting
the generality of the foregoing, the Servicer, in its own name or in the name of
any Subservicer or the Depositor and the Trustee, is hereby authorized and
empowered by the Depositor and the Trustee, when the Servicer or any
Subservicer, as the case may be, believes it appropriate in its reasonable
judgment, to execute and deliver, on behalf of the Trustee, the Depositor, the
Certificateholders or any of them, any and all instruments of satisfaction or
cancellation, or of partial or full release or discharge, and all other
comparable instruments, with respect to the Mortgage Loans it services, and with
respect to the related Mortgaged Properties held for the benefit of the
Certificateholders. The Servicer shall prepare and deliver to the Depositor
and/or the Trustee such documents requiring execution and delivery by either or
both of them as are necessary or appropriate to enable the Servicer to service
and administer the Mortgage Loans it services to the extent that the Servicer is
not permitted to execute and deliver such documents pursuant to the preceding
sentence. Upon receipt of such documents, the Depositor and/or the Trustee, upon
the direction of the Servicer, shall promptly execute such documents and deliver
them to the Servicer.
In accordance with the standards of the preceding paragraph, the
Servicer shall advance or cause to be advanced funds as necessary for the
purpose of effecting the payment of taxes and assessments on the Mortgaged
Properties relating to the Mortgage Loans it services, which Servicing Advances
shall be reimbursable in the first instance from related collections from the
Mortgagors pursuant to Section 3.09, and further as provided in Section 3.11.
The costs incurred by the Servicer, if any, in effecting the timely payments of
taxes and assessments on the Mortgaged Properties and related insurance premiums
shall not, for the purpose of calculating monthly distributions to the
Certificateholders, be added to the Stated Principal Balances of the related
Mortgage Loans, notwithstanding that the terms of such Mortgage Loans so permit.
The relationship of the Servicer (and of any successor to the
Servicer as servicer under this Agreement) to the Trustee under this Agreement
is intended by the parties to be that of an independent contractor and not that
of a joint venturer, partner or agent.
Section 3.02 Subservicing; Enforcement of the Obligations of
Servicer.
(a) The Servicer may arrange for the subservicing of any Mortgage
Loan it services by a Subservicer pursuant to a Subservicing Agreement;
provided, however, that such subservicing arrangement and the terms of the
related Subservicing Agreement must provide for the servicing of such Mortgage
Loan in a manner consistent with the servicing arrangements contemplated
hereunder. Notwithstanding the provisions of any Subservicing Agreement, any of
the provisions of this Agreement relating to agreements or arrangements between
the Servicer and a Subservicer or reference to actions taken through a
Subservicer or otherwise, the Servicer shall remain obligated and liable to the
Depositor, the Trustee and the Certificateholders for the servicing and
administration of the Mortgage Loans it services in accordance with the
provisions of this Agreement without diminution of such obligation or liability
by virtue of such Subservicing Agreements or arrangements or by virtue of
indemnification from the Subservicer and to the same extent and under the same
terms and conditions as if the Servicer alone were servicing and administering
those Mortgage Loans. All actions of each Subservicer performed pursuant to the
related Subservicing Agreement shall be performed as agent of the Servicer with
the same force and effect as if performed directly by the Servicer.
(b) For purposes of this Agreement, the Servicer shall be deemed to
have received any collections, recoveries or payments with respect to the
Mortgage Loans it services that are received by a Subservicer regardless of
whether such payments are remitted by the Subservicer to the Servicer.
(c) As part of its servicing activities hereunder, the Servicer, for
the benefit of the Trustee and the Certificateholders, shall use its best
reasonable efforts to enforce the obligations of each Subservicer engaged by the
Servicer under the related Subservicing Agreement, to the extent that the
non-performance of any such obligation would have a material and adverse effect
on a Mortgage Loan. Such enforcement, including, without limitation, the legal
prosecution of claims, termination of Subservicing Agreements 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 Servicer, in its good faith business judgment,
would require were it the owner of the related Mortgage Loans. The 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.
(d) Any Subservicing Agreement entered into by the Servicer shall
provide that it may be assumed or terminated by the Trustee, if the Trustee has
assumed the duties of the Servicer, or any successor Servicer, at the Trustee's
or successor Servicer's option, as applicable, without cost or obligation to the
assuming or terminating party or the Trust Estate, upon the assumption by such
party of the obligations of the Servicer pursuant to Section 8.05.
Any Subservicing Agreement, and any other transactions or services
relating to the Mortgage Loans involving a Subservicer, shall be deemed to be
between the Servicer and such Subservicer alone, and the Trustee and the
Certificateholders shall not be deemed parties thereto and shall have no claims
or rights of action against, rights, obligations, duties or liabilities to or
with respect to the Subservicer or its officers, directors or employees, except
as set forth in Section 3.01.
Section 3.03 Fidelity Bond; Errors and Omissions Insurance.
The Servicer shall maintain, at its own expense, a blanket fidelity
bond and an errors and omissions insurance policy, with broad coverage on all
officers, employees or other persons acting in any capacity requiring such
persons to handle funds, money, documents or papers relating to the Mortgage
Loans it services. These policies must insure the Servicer against losses
resulting from dishonest or fraudulent acts committed by the Servicer's
personnel, any employees of outside firms that provide data processing services
for the Servicer, and temporary contract employees or student interns. Such
fidelity bond shall also protect and insure the Servicer against losses in
connection with the release or satisfaction of a Mortgage Loan without having
obtained payment in full of the indebtedness secured thereby. No provision of
this Section 3.03 requiring such fidelity bond and errors and omissions
insurance shall diminish or relieve the Servicer from its duties and obligations
as set forth in this Agreement. The minimum coverage under any such bond and
insurance policy shall be at least equal to the corresponding amounts required
by FNMA in the FNMA Servicing Guide or by FHLMC in the FHLMC Sellers' &
Servicers' Guide, as amended or restated from time to time, or in an amount as
may be permitted to the Servicer by express waiver of FNMA or FHLMC.
Section 3.04 Access to Certain Documentation.
The Servicer shall provide to the OTS and the FDIC and to comparable
regulatory authorities supervising Holders of Subordinate Certificates and the
examiners and supervisory agents of the OTS, the FDIC and such other
authorities, access to the documentation required by applicable regulations of
the OTS and the FDIC with respect to the Mortgage Loans. Such access shall be
afforded without charge, but only upon reasonable and prior written request and
during normal business hours at the offices designated by the Servicer. Nothing
in this Section 3.04 shall limit the obligation of the Servicer to observe any
applicable law and the failure of the Servicer to provide access as provided in
this Section 3.04 as a result of such obligation shall not constitute a breach
of this Section 3.04.
Section 3.05 Maintenance of Primary Mortgage Insurance Policy;
Claims.
With respect to each Mortgage Loan with a Loan-to-Value Ratio in
excess of 80% or such other Loan-to-Value Ratio as may be required by law, the
Servicer responsible for servicing such Mortgage Loan shall, without any cost to
the Trust Estate, maintain or cause the Mortgagor to maintain in full force and
effect a Primary Insurance Policy insuring that portion of the Mortgage Loan in
excess of a percentage in conformity with FNMA requirements. The Servicer shall
pay or shall cause the Mortgagor to pay the premium thereon on a timely basis,
at least until the Loan-to-Value Ratio of such Mortgage Loan is reduced to 80%
or such other Loan-to-Value Ratio as may be required by law. If such Primary
Insurance Policy is terminated, the Servicer shall obtain from another insurer a
comparable replacement policy, with a total coverage equal to the remaining
coverage of such terminated Primary Insurance Policy. If the insurer shall cease
to be an insurer acceptable to FNMA, the Servicer shall notify the Trustee in
writing, it being understood that the Servicer shall not have any responsibility
or liability for any failure to recover under the Primary Insurance Policy for
such reason. If the Servicer determines that recoveries under the Primary
Insurance Policy are jeopardized by the financial condition of the insurer, the
Servicer shall obtain from another insurer which meets the requirements of this
Section 3.05 a replacement insurance policy. The Servicer shall not take any
action that would result in noncoverage under any applicable Primary Insurance
Policy of any loss that, but for the actions of the Servicer, would have been
covered thereunder. In connection with any assumption or substitution agreement
entered into or to be entered into pursuant to Section 3.13, the Servicer shall
promptly notify the insurer under the related Primary Insurance Policy, if any,
of such assumption or substitution of liability in accordance with the terms of
such Primary Insurance Policy and shall take all actions which may be required
by such insurer as a condition to the continuation of coverage under such
Primary Insurance Policy. If such Primary Insurance Policy is terminated as a
result of such assumption or substitution of liability, the Servicer shall
obtain a replacement Primary Insurance Policy as provided above.
In connection with its activities as servicer, the Servicer agrees
to prepare and present, on behalf of itself, the Trustee and the
Certificateholders, claims to the insurer under any Primary Insurance Policy in
a timely fashion in accordance with the terms of such Primary Insurance Policy
and, in this regard, to take such action as shall be necessary to permit
recovery under any Primary Insurance Policy respecting a defaulted Mortgage
Loan. Pursuant to Section 3.09(a), any amounts collected by the Servicer under
any Primary Insurance Policy shall be deposited in the related Escrow Account,
subject to withdrawal pursuant to Section 3.09(b).
The Servicer will comply with all provisions of applicable state and
federal law relating to the cancellation of, or collection of premiums with
respect to, Primary Mortgage Insurance, including, but not limited to, the
provisions of the Homeowners Protection Act of 1998, and all regulations
promulgated thereunder, as amended from time to time.
Section 3.06 Rights of the Depositor and the Trustee in Respect of
the Servicer.
The Depositor may, but is not obligated to, enforce the obligations
of the Servicer hereunder and may, but is not obligated to, perform, or cause a
designee to perform, any defaulted obligation of the Servicer hereunder and in
connection with any such defaulted obligation to exercise the related rights of
the Servicer hereunder; provided that the Servicer shall not be relieved of any
of its obligations hereunder by virtue of such performance by the Depositor or
its designee. Neither the Trustee nor the Depositor shall have any
responsibility or liability for any action or failure to act by the Servicer nor
shall the Trustee or the Depositor be obligated to supervise the performance of
the Servicer hereunder or otherwise.
Any Subservicing Agreement that may be entered into and any
transactions or services relating to the Mortgage Loans involving a Subservicer
in its capacity as such shall be deemed to be between the Subservicer and the
Servicer alone, and the Trustee and Certificateholders shall not be deemed
parties thereto and shall have no claims, rights, obligations, duties or
liabilities with respect to the Subservicer except as set forth in Section 3.07.
The Servicer shall be solely liable for all fees owed by it to any Subservicer,
irrespective of whether the Servicer's compensation pursuant to this Agreement
is sufficient to pay such fees.
Section 3.07 Trustee to Act as Servicer.
If the Servicer shall for any reason no longer be the Servicer
hereunder (including by reason of an Event of Default), the Trustee shall
thereupon assume, if it so elects, or shall appoint a successor Servicer to
assume, all of the rights and obligations of the Servicer hereunder arising
thereafter (except that the Trustee shall not be (a) liable for losses of the
Servicer pursuant to Section 3.12 or any acts or omissions of the predecessor
Servicer hereunder, (b) obligated to make Advances if it is prohibited from
doing so by applicable law or (c) deemed to have made any representations and
warranties of the Servicer hereunder). Any such assumption shall be subject to
Section 7.02. If the Servicer shall for any reason no longer be the Servicer
(including by reason of any Event of Default), the Trustee or the successor
Servicer may elect to succeed to any rights and obligations of the Servicer
under each Subservicing Agreement or may terminate each Subservicing Agreement.
If it has elected to assume the Subservicing Agreement, the Trustee or the
successor Servicer shall be deemed to have assumed all of the Servicer's
interest therein and to have replaced the Servicer as a party to any
Subservicing Agreement entered into by the Servicer as contemplated by Section
3.02 to the same extent as if the Subservicing Agreement had been assigned to
the assuming party except that the Servicer shall not be relieved of any
liability or obligations under any such Subservicing Agreement.
The Servicer that is no longer the Servicer hereunder shall, upon
request of the Trustee, but at the expense of the Servicer, deliver to the
assuming party all documents and records relating to each Subservicing Agreement
or substitute servicing agreement and the Mortgage Loans then being serviced
thereunder and an accounting of amounts collected or held by it and otherwise
use its best efforts to effect the orderly and efficient transfer of such
substitute Subservicing Agreement to the assuming party.
Section 3.08 Collection of Mortgage Loan Payments; Servicer
Custodial Account; Certificate Account; and Upper-Tier Certificate Account.
(a) Continuously from the date hereof until the principal and
interest on all Mortgage Loans are paid in full, the Servicer will proceed
diligently, in accordance with this Agreement, to collect all payments due under
each of the Mortgage Loans it services when the same shall become due and
payable. Further, the Servicer will in accordance with all applicable law and
Customary Servicing Procedures ascertain and estimate taxes, assessments, fire
and hazard insurance premiums, mortgage insurance premiums and all other charges
with respect to the Mortgage Loans it services that, as provided in any
Mortgage, will become due and payable to the end that the installments payable
by the Mortgagors will be sufficient to pay such charges as and when they become
due and payable. Consistent with the foregoing, the 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 it services and
(ii) extend the due dates for payments due on a Mortgage Note for a period not
greater than 120 days; provided, however, that the Servicer cannot extend the
maturity of any such Mortgage Loan past the date on which the final payment is
due on the latest maturing Mortgage Loan as of the Cut-Off Date. In the event of
any such arrangement, the Servicer shall make Periodic Advances on the related
Mortgage Loan in accordance with the provisions of Section 3.20 during the
scheduled period in accordance with the amortization schedule of such Mortgage
Loan without modification thereof by reason of such arrangements. The Servicer
shall not be required to institute or join in litigation with respect to
collection of any payment (whether under a Mortgage, Mortgage Note or otherwise
or against any public or governmental authority with respect to a taking or
condemnation) if it reasonably believes that enforcing the provision of the
Mortgage or other instrument pursuant to which such payment is required is
prohibited by applicable law.
(b) The Servicer shall establish and maintain the Servicer Custodial
Account. The Servicer shall deposit or cause to be deposited into the Servicer
Custodial Account, all on a daily basis within one Business Day of receipt,
except as otherwise specifically provided herein, the following payments and
collections remitted by Subservicers or received by the Servicer in respect of
the Mortgage Loans subsequent to the Cut-Off Date (other than in respect of
principal and interest due on the Mortgage Loans on or before the Cut-Off Date)
and the following amounts required to be deposited hereunder with respect to the
Mortgage Loans it services:
(i) all payments on account of principal of the Mortgage Loans,
including Principal Prepayments;
(ii) all payments on account of interest on the Mortgage Loans, net
of the Servicing Fee;
(iii) (A) all Insurance Proceeds and Liquidation Proceeds, other
than Insurance Proceeds to be (1) applied to the restoration or repair of
the Mortgaged Property, (2) released to the Mortgagor in accordance with
Customary Servicing Procedures or (3) required to be deposited to an
Escrow Account pursuant to Section 3.09(a) and (B) any Insurance Proceeds
released from an Escrow Account pursuant to Section 3.09(b)(iv);
(iv) any amount required to be deposited by the Servicer pursuant to
Section 3.08(d) in connection with any losses on Permitted Investments
with respect to the Servicer Custodial Account;
(v)any amounts required to be deposited by the Servicer pursuant to
Section 3.14;
(vi) all Repurchase Prices and all Substitution Adjustment Amounts
received by the Servicer;
(vii) Periodic Advances made by the Servicer pursuant to Section
3.20 and any payments of Compensating Interest; and
(viii) any other amounts required to be deposited hereunder.
The foregoing requirements for deposits to the Servicer Custodial
Account by the Servicer shall be exclusive, it being understood and agreed that,
without limiting the generality of the foregoing, payments in the nature of
prepayment penalties, late payment charges or assumption fees, if collected,
need not be deposited by the Servicer. If the Servicer shall deposit in the
Servicer Custodial Account any amount not required to be deposited, it may at
any time withdraw or direct the institution maintaining the Servicer Custodial
Account to withdraw such amount from the Servicer Custodial Account, any
provision herein to the contrary notwithstanding. The Servicer 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 Servicer or serviced by the Servicer
on behalf of others. Notwithstanding such commingling of funds, the Servicer
shall keep records that accurately reflect the funds on deposit in the Servicer
Custodial Account that have been identified by it as being attributable to the
Mortgage Loans it services. The Servicer shall maintain adequate records with
respect to all withdrawals made pursuant to this Section 3.08. All funds
required to be deposited in the Servicer Custodial Account shall be held in
trust for the Certificateholders until withdrawn in accordance with Section
3.11.
(c) The Trustee shall establish and maintain, on behalf of the
Certificateholders, the Certificate Account. The Trustee shall, promptly upon
receipt, deposit in the Certificate Account and retain therein the following:
(i) the aggregate amount remitted by the Servicer to the Trustee
pursuant to Section 3.11(a)(viii);
(ii) any amount paid by the Trustee pursuant to Section 3.08(d) in
connection with any losses on Permitted Investments with respect to the
Certificate Account; and
(iii) any other amounts deposited hereunder which are required to be
deposited in the Certificate Account.
If the Servicer shall remit any amount not required to be remitted,
it may at any time direct the Trustee to withdraw such amount from the
Certificate Account, any provision herein to the contrary notwithstanding. Such
direction may be accomplished by delivering an Officer's Certificate to the
Trustee which describes the amounts deposited in error in the Certificate
Account. All funds required to be deposited in the Certificate Account shall be
held by the Trustee in trust for the Certificateholders until disbursed in
accordance with this Agreement or withdrawn in accordance with Section 3.11. In
no event shall the Trustee incur liability for withdrawals from the Certificate
Account at the direction of a the Servicer.
(d) Each institution at which the Servicer Custodial Account or the
Certificate Account is maintained shall invest the funds therein as directed in
writing by the Servicer in Permitted Investments, which shall mature not later
than (i) in the case of the Servicer Custodial Account, the Business Day next
preceding the related Remittance Date (except that if such Permitted Investment
is an obligation of the institution that maintains such account, then such
Permitted Investment shall mature not later than such Remittance Date) and (ii)
in the case of the Certificate Account, the Business Day next preceding the
Distribution Date (except that if such Permitted Investment is an obligation of
the institution that maintains such account, then such Permitted Investment
shall mature not later than such Distribution Date) and, in each case, shall not
be sold or disposed of prior to its maturity. All such Permitted Investments
shall be made in the name of the Trustee, for the benefit of the
Certificateholders. All income or gain (net of any losses) realized from any
such investment of funds on deposit in the Servicer Custodial Account shall be
for the benefit of the Servicer as servicing compensation and shall be retained
by it monthly as provided herein. All income or gain (net of any losses)
realized from any such investment of funds on deposit in the Certificate Account
shall be for the benefit of the Trustee as additional compensation and shall be
retained by it monthly as provided herein. The amount of any losses realized in
the Servicer Custodial Account or the Certificate Account incurred in any such
account in respect of any such investments shall promptly be deposited by the
Servicer in the Servicer Custodial Account or by the Trustee in the Certificate
Account, as applicable.
(e) The Servicer shall give notice to the Trustee of any proposed
change of the location of the Servicer Custodial Account maintained by the
Servicer not later than 30 days and not more than 45 days prior to any change
thereof. The Trustee shall give notice to the Servicer, each Rating Agency and
the Depositor of any proposed change of the location of the Certificate Account
not later than 30 days and not more than 45 days prior to any change thereof.
The creation of the Servicer Custodial Account shall be evidenced by a
certification substantially in the form of Exhibit F hereto. A copy of such
certification shall be furnished to the Trustee.
(f) The Trustee shall establish and maintain the Upper-Tier
Certificate Account. On each Distribution Date (other than the Final
Distribution Date, if such Final Distribution Date is in connection with a
purchase of the assets of the Trust Estate by the Depositor), the Trustee shall,
from funds available on deposit in the Certificate Account, deposit, in
immediately available funds, by wire transfer or otherwise, into the Upper-Tier
Certificate Account, the Lower-Tier Distribution Amount.
Section 3.09 Collection of Taxes, Assessments and Similar Items;
Escrow Accounts.
(a) To the extent required by the related Mortgage Note and not
violative of current law, the Servicer shall segregate and hold all funds
collected and received pursuant to each Mortgage Loan which constitute Escrow
Payments in trust separate and apart from any of its own funds and general
assets and for such purpose shall establish and maintain one or more escrow
accounts (collectively, the "Escrow Account"), titled "[Insert name of
Servicer], in trust for registered holders of Bank of America Mortgage
Securities, Inc. Mortgage Pass-Through Certificates, Series 2000-7 and various
Mortgagors." The Escrow Account shall be established with a commercial bank, a
savings bank or a savings and loan association that meets the guidelines set
forth by FNMA or FHLMC as an eligible institution for escrow accounts and which
is a member of the Automated Clearing House. In any case, the Escrow Account
shall be insured by the FDIC to the fullest extent permitted by law. The
Servicer shall deposit in the appropriate Escrow Account on a daily basis, and
retain therein: (i) all Escrow Payments collected on account of the Mortgage
Loans, (ii) all amounts representing proceeds of any hazard insurance policy
which are to be applied to the restoration or repair of any related Mortgaged
Property and (iii) all amounts representing proceeds of any Primary Insurance
Policy. Nothing herein shall require the Servicer to compel a Mortgagor to
establish an Escrow Account in violation of applicable law.
(b) Withdrawals of amounts so collected from the Escrow Accounts may
be made by the Servicer only (i) to effect timely payment of taxes, assessments,
mortgage insurance premiums, fire and hazard insurance premiums, condominium or
PUD association dues, or comparable items constituting Escrow Payments for the
related Mortgage, (ii) to reimburse the Servicer out of related Escrow Payments
made with respect to a Mortgage Loan for any Servicing Advance made by the
Servicer pursuant to Section 3.09(c) with respect to such Mortgage Loan, (iii)
to refund to any Mortgagor any sums determined to be overages, (iv) for transfer
to the Servicer Custodial Account upon default of a Mortgagor or in accordance
with the terms of the related Mortgage Loan and if permitted by applicable law,
(v) for application to restore or repair the Mortgaged Property, (vi) to pay to
the Mortgagor, to the extent required by law, any interest paid on the funds
deposited in the Escrow Account, (vii) to pay to itself any interest earned on
funds deposited in the Escrow Account (and not required to be paid to the
Mortgagor), (viii) to the extent permitted under the terms of the related
Mortgage Note and applicable law, to pay late fees with respect to any Monthly
Payment which is received after the applicable grace period, (ix) to withdraw
suspense payments that are deposited into the Escrow Account, (x) to withdraw
any amounts inadvertently deposited in the Escrow Account or (xi) to clear and
terminate the Escrow Account upon the termination of this Agreement in
accordance with Section 10.01. Any Escrow Account shall not be a part of the
Trust Estate.
(c) With respect to each Mortgage Loan, the Servicer shall maintain
accurate records reflecting the status of taxes, assessments and other charges
which are or may become a lien upon the Mortgaged Property and the status of
Primary Insurance Policy premiums and fire and hazard insurance coverage. The
Servicer shall obtain, from time to time, all bills for the payment of such
charges (including renewal premiums) and shall effect payment thereof prior to
the applicable penalty or termination date and at a time appropriate for
securing maximum discounts allowable, employing for such purpose deposits of the
Mortgagor in the Escrow Account, if any, which shall have been estimated and
accumulated by the Servicer in amounts sufficient for such purposes, as allowed
under the terms of the Mortgage. To the extent that a Mortgage does not provide
for Escrow Payments, the Servicer shall determine that any such payments are
made by the Mortgagor. The Servicer assumes full responsibility for the timely
payment of all such bills and shall effect timely payments of all such bills
irrespective of each Mortgagor's faithful performance in the payment of same or
the making of the Escrow Payments. The Servicer shall advance any such payments
that are not timely paid, but the Servicer shall be required so to advance only
to the extent that such Servicing Advances, in the good faith judgment of the
Servicer, will be recoverable by the Servicer out of Insurance Proceeds,
Liquidation Proceeds or otherwise.
Section 3.10 Access to Certain Documentation and Information
Regarding the Mortgage Loans.
The Servicer shall afford the Trustee reasonable access to all
records and documentation regarding the Mortgage Loans and all accounts,
insurance information and other matters relating to this Agreement, such access
being afforded without charge, but only upon reasonable request and during
normal business hours at the office designated by the Servicer.
Upon reasonable advance notice in writing, the Servicer will provide
to each Certificateholder which is a savings and loan association, bank or
insurance company certain reports and reasonable access to information and
documentation regarding the Mortgage Loans sufficient to permit such
Certificateholder to comply with applicable regulations of the OTS or other
regulatory authorities with respect to investment in the Certificates; provided
that the Servicer shall be entitled to be reimbursed by each such
Certificateholder for actual expenses incurred by the Servicer in providing such
reports and access.
Section 3.11 Permitted Withdrawals from the Servicer Custodial
Account, Certificate Account and Upper-Tier Certificate Account.
(a) The Servicer may from time to time make withdrawals from the
Servicer Custodial Account, for the following purposes:
(i) to pay to the Servicer (to the extent not previously retained),
the servicing compensation to which it is entitled pursuant to Section
3.17, and to pay to the Servicer, as additional servicing compensation,
earnings on or investment income with respect to funds in or credited to
the Servicer Custodial Account;
(ii) to reimburse the Servicer for unreimbursed Advances made by it,
such right of reimbursement pursuant to this clause (ii) being limited to
amounts received on the Mortgage Loan(s) in respect of which any such
Advance was made;
(iii) to reimburse the Servicer for any Nonrecoverable Advance
previously made;
(iv) to reimburse the Servicer for Insured Expenses from the related
Insurance Proceeds;
(v)to pay to the purchaser, with respect to each Mortgage Loan or
REO Property that has been purchased pursuant to Section 2.02 or 2.04, all
amounts received thereon after the date of such purchase;
(vi) to reimburse the Servicer or the Depositor for expenses
incurred by any of them and reimbursable pursuant to Section 7.03;
(vii) to withdraw any amount deposited in the Servicer Custodial
Account and not required to be deposited therein;
(viii) on or prior to the Remittance Date, to withdraw an amount
equal to the related Pool Distribution Amount, the related Trustee Fee and
any other amounts due to the Trustee under this Agreement for such
Distribution Date, to the extent on deposit, and remit such amount in
immediately available funds to the Trustee for deposit in the Certificate
Account; and
(ix) to clear and terminate the Servicer Custodial Account upon
termination of this Agreement pursuant to Section 10.01.
The Servicer shall keep and maintain separate accounting, on a
Mortgage Loan by Mortgage Loan basis, for the purpose of justifying any
withdrawal from the Servicer Custodial Account pursuant to clauses (i), (ii),
(iv) and (v). Prior to making any withdrawal from the Servicer Custodial Account
pursuant to clause (iii), the Servicer shall deliver to the Trustee an Officer's
Certificate of a Servicing Officer indicating the amount of any previous Advance
determined by the Servicer to be a Nonrecoverable Advance and identifying the
related Mortgage Loan(s) and their respective portions of such Nonrecoverable
Advance.
(b) The Trustee shall withdraw funds from the Certificate Account
for distributions to Certificateholders in the manner specified in this
Agreement. In addition, the Trustee may from time to time make withdrawals from
the Certificate Account for the following purposes:
(i) to pay to itself the Trustee Fee and any other amounts due to
the Trustee under this Agreement for the related Distribution Date;
(ii) to pay to itself as additional compensation earnings on or
investment income with respect to funds in the Certificate Account;
(iii) to withdraw and return to the Servicer any amount deposited in
the Certificate Account and not required to be deposited therein; and
(iv) to clear and terminate the Certificate Account upon termination
of the Agreement pursuant to Section 10.01.
(c) Notwithstanding anything herein to the contrary, the Regular
Certificates and the Class A-R Certificate shall not receive distributions
directly from the Certificate Account. On each Distribution Date, funds on
deposit in the Upper-Tier Certificate Account shall be used to make payments on
the Regular Certificates and the Class A-R Certificate as provided in Sections
5.01 and 5.02. The Upper-Tier Certificate Account shall be cleared and
terminated upon termination of this Agreement pursuant to Section 10.01.
Section 3.12 Maintenance of Hazard Insurance.
The Servicer shall cause to be maintained for each Mortgage Loan,
fire and hazard insurance with extended coverage customary in the area where the
Mortgaged Property is located in an amount which is at least equal to the lesser
of (a) the full insurable value of the Mortgaged Property or (b) the greater of
(i) the outstanding principal balance owing on the Mortgage Loan and (ii) an
amount such that the proceeds of such insurance shall be sufficient to avoid the
application to the Mortgagor or loss payee of any coinsurance clause under the
policy. If the Mortgaged Property is in an area identified in the Federal
Register by the Federal Emergency Management Agency as having special flood
hazards (and such flood insurance has been made available) the Servicer will
cause to be maintained a flood insurance policy meeting the requirements of the
current guidelines of the Federal Insurance Administration and the requirements
of FNMA or FHLMC. The Servicer shall also maintain on REO Property, fire and
hazard insurance with extended coverage in an amount which is at least equal to
the maximum insurable value of the improvements which are a part of such
property, liability insurance and, to the extent required, flood insurance in an
amount required above. Any amounts collected by the Servicer under any such
policies (other than amounts to be deposited in an Escrow Account and applied to
the restoration or repair of the property subject to the related Mortgage or
property acquired in liquidation of the Mortgage Loan, or to be released to the
Mortgagor in accordance with Customary Servicing Procedures) shall be deposited
in the Servicer Custodial Account, subject to withdrawal pursuant to Section
3.11(a). It is understood and agreed that no earthquake or other additional
insurance need be required by the Servicer of any Mortgagor or maintained on REO
Property, other than pursuant to such applicable laws and regulations as shall
at any time be in force and as shall require such additional insurance. All
policies required hereunder shall be endorsed with standard mortgagee clauses
with loss payable to the Servicer, and shall provide for at least 30 days prior
written notice of any cancellation, reduction in amount or material change in
coverage to the Servicer.
The hazard insurance policies for each Mortgage Loan secured by a
unit in a condominium development or planned unit development shall be
maintained with respect to such Mortgage Loan and the related development in a
manner which is consistent with FNMA requirements.
Notwithstanding the foregoing, the Servicer may maintain a blanket
policy insuring against hazard losses on all of the Mortgaged Properties
relating to the Mortgage Loans in lieu of maintaining the required hazard
insurance policies for each Mortgage Loan and may maintain a blanket policy
insuring against special flood hazards in lieu of maintaining any required flood
insurance. Any such blanket policies shall (A) be consistent with prudent
industry standards, (B) name the Servicer as loss payee, (C) provide coverage in
an amount equal to the aggregate unpaid principal balance on the related
Mortgage Loans without co-insurance, and (D) otherwise comply with the
requirements of this Section 3.12. Any such blanket policy may contain a
deductible clause; provided that if any Mortgaged Property is not covered by a
separate policy otherwise complying with this Section 3.12 and a loss occurs
with respect to such Mortgaged Property which loss would have been covered by
such a policy, the Servicer shall deposit in the Servicer Custodial Account the
difference, if any, between the amount that would have been payable under a
separate policy complying with this Section 3.12 and the amount paid under such
blanket policy.
Section 3.13 Enforcement of Due-On-Sale Clauses; Assumption
Agreements.
(a) Except as otherwise provided in this Section 3.13, when any
Mortgaged Property subject to a Mortgage has been conveyed by the Mortgagor, the
Servicer shall use reasonable efforts, to the extent that it has actual
knowledge of such conveyance, to 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, the Servicer is not required to exercise such
rights with respect to a Mortgage Loan if the Person to whom the related
Mortgaged Property has been conveyed or is proposed to be conveyed satisfies the
terms and conditions contained in the Mortgage Note and Mortgage related thereto
and the consent of the mortgagee under such Mortgage Note or Mortgage is not
otherwise required under such Mortgage Note or Mortgage as a condition to such
transfer. If (i) the Servicer is prohibited by law from enforcing any such
due-on-sale clause, (ii) coverage under any Required Insurance Policy would be
adversely affected, (iii) the Mortgage Note does not include a due-on-sale
clause or (iv) nonenforcement is otherwise permitted hereunder, the Servicer is
authorized, subject to Section 3.13(b), to take or enter into an assumption and
modification agreement from or with the Person to whom such Mortgaged Property
has been or is about to be conveyed, pursuant to which such Person becomes
liable under the Mortgage Note and, unless prohibited by applicable state law,
the Mortgagor remains liable thereon; provided that the Mortgage Loan shall
continue to be covered (if so covered before the Servicer enters such agreement)
by the applicable Required Insurance Policies. The Servicer, subject to Section
3.13(b), is also authorized with the prior approval of the insurers under any
Required Insurance Policies to enter into a substitution of liability agreement
with such Person, pursuant to which the original Mortgagor is released from
liability and such Person is substituted as Mortgagor and becomes liable under
the Mortgage Note. Notwithstanding the foregoing, the Servicer shall not be
deemed to be in default under this Section 3.13 by reason of any transfer or
assumption which the Servicer reasonably believes it is restricted by law from
preventing, for any reason whatsoever.
(b) Subject to the 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 has been conveyed to a Person by a Mortgagor, and such Person is to
enter into an assumption agreement or modification agreement or supplement to
the Mortgage Note or Mortgage that 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 Servicer shall prepare and
deliver or cause to be prepared and delivered to the Trustee for signature and
shall direct, in writing, the Trustee to execute 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.
In no event shall the Trustee incur liability for executing any document under
this Section 3.13 at the direction of the Servicer. In connection with any such
assumption, no material term of the Mortgage Note may be changed. In addition,
the substitute Mortgagor and the Mortgaged Property must be acceptable to the
Servicer in accordance with its underwriting standards as then in effect.
Together with each such substitution, assumption or other agreement or
instrument delivered to the Trustee for execution by it, the Servicer shall
deliver an Officer's Certificate signed by a Servicing Officer stating that the
requirements of this subsection have been met. The Servicer shall notify the
Trustee that any such substitution or assumption agreement has been completed by
forwarding to the Trustee (or at the direction of the Trustee, the Custodian)
the original of such substitution or assumption agreement, which in the case of
the original shall be added to the related Mortgage File and shall, for all
purposes, be considered a part of such Mortgage File to the same extent as all
other documents and instruments constituting a part thereof. Any fee collected
by the Servicer for entering into an assumption or substitution of liability
agreement may be retained by the Servicer as additional master servicing
compensation. Notwithstanding the foregoing, to the extent permissible under
applicable law and at the request of the Servicer, the Trustee shall execute and
deliver to the Servicer any powers of attorney and other documents prepared by
the Servicer that are reasonably necessary or appropriate to enable the Servicer
to execute any assumption agreement or modification agreement required to be
executed by the Trustee under this Section 3.13.
Section 3.14 Realization Upon Defaulted Mortgage Loans; REO
Property.
(a) The Servicer shall use reasonable efforts to foreclose upon or
otherwise comparably convert the ownership of Mortgaged 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. In
connection with such foreclosure or other conversion, the Servicer shall follow
Customary Servicing Procedures and shall meet the requirements of the insurer
under any Required Insurance Policy; provided, however, that the Servicer may
enter into a special servicing agreement with an unaffiliated Holder of 100%
Percentage Interest of a Class of Class B Certificates or a holder of a class of
securities representing interests in the Class B Certificates alone or together
with other subordinated mortgage pass-through certificates. Such agreement shall
be substantially in the form attached hereto as Exhibit K or subject to each
Rating Agency's acknowledgment that the ratings of the Certificates in effect
immediately prior to the entering into such agreement would not be qualified,
downgraded or withdrawn and the Certificates would not be placed on credit
review status (except for possible upgrading) as a result of such agreement. Any
such agreement may contain provisions whereby such holder may instruct the
Servicer to commence or delay foreclosure proceedings with respect to delinquent
Mortgage Loans and will contain provisions for the deposit of cash by the holder
that would be available for distribution to Certificateholders if Liquidation
Proceeds are less than they otherwise may have been had the Servicer acted in
accordance with its normal procedures. Notwithstanding the foregoing, the
Servicer shall not be required to expend its own funds in connection with any
foreclosure or towards the restoration of any Mortgaged Property unless it shall
determine (i) that such restoration and/or foreclosure will increase the
proceeds of liquidation of the Mortgage Loan after reimbursement to itself of
such expenses and (ii) that such expenses will be recoverable to it through
proceeds of the liquidation of the Mortgage Loan (respecting which it shall have
priority for purposes of withdrawals from the Servicer Custodial Account). Any
such expenditures shall constitute Servicing Advances for purposes of this
Agreement.
The decision of the Servicer to foreclose on a defaulted Mortgage
Loan shall be subject to a determination by the Servicer that the proceeds of
such foreclosure would exceed the costs and expenses of bringing such a
proceeding.
With respect to any REO Property, the deed or certificate of sale
shall be taken in the name of the Trustee for the benefit of the
Certificateholders, or its nominee, on behalf of the Certificateholders. The
Trustee's name shall be placed on the title to such REO Property solely as the
Trustee hereunder and not in its individual capacity. The Servicer shall ensure
that the title to such REO Property references this Agreement and the Trustee's
capacity hereunder. Pursuant to its efforts to sell such REO Property, the
Servicer shall either itself or through an agent selected by the Servicer
manage, conserve, protect and operate such REO Property in the same manner that
it manages, conserves, protects and operates other foreclosed property for its
own account and in the same manner that similar property in the same locality as
the REO Property is managed. Incident to its conservation and protection of the
interests of the Certificateholders, the Servicer may rent the same, or any part
thereof, as the Servicer deems to be in the best interest of the
Certificateholders for the period prior to the sale of such REO Property. The
Servicer shall prepare for and deliver to the Trustee a statement with respect
to each REO Property that has been rented, if any, showing the aggregate rental
income received and all expenses incurred in connection with the management and
maintenance of such REO Property at such times as is necessary to enable the
Trustee to comply with the reporting requirements of the REMIC Provisions;
provided, however, that the Servicer shall have no duty to rent any REO Property
on behalf of the Trust. The net monthly rental income, if any, from such REO
Property shall be deposited in the Servicer Custodial Account no later than the
close of business on each Determination Date. The Servicer shall perform, with
respect to the Mortgage Loans, the tax reporting and withholding required by
Sections 1445 and 6050J of the Code with respect to foreclosures and
abandonments, the tax reporting required by Section 6050H of the Code with
respect to the receipt of mortgage interest from individuals and, if required by
Section 6050P of the Code with respect to the cancellation of indebtedness by
certain financial entities, by preparing such tax and information returns as may
be required, in the form required. The Servicer shall deliver copies of such
reports to the Trustee.
If the Trust acquires any Mortgaged Property as described above or
otherwise in connection with a default or a default which is reasonably
foreseeable on a Mortgage Loan, the Servicer shall dispose of such Mortgaged
Property prior to the end of the third calendar year following the year of its
acquisition by the Trust (such period, the "REO Disposition Period") unless (A)
the Trustee shall have been supplied by the Servicer with an Opinion of Counsel
to the effect that the holding by the Trust of such Mortgaged Property
subsequent to the REO Disposition Period will not result in the imposition of
taxes on "prohibited transactions" on either the Upper-Tier REMIC or the
Lower-Tier REMIC (as defined in Section 860F of the Code) or cause either REMIC
to fail to qualify as a REMIC at any time that any Certificates are outstanding,
or (B) the Trustee (at the Servicer's expense) or the Servicer shall have
applied for, prior to the expiration of the REO Disposition Period, an extension
of the REO Disposition Period in the manner contemplated by Section 856(e)(3) of
the Code. If such an Opinion of Counsel is provided or such an exemption is
obtained, the Trust may continue to hold such Mortgaged Property (subject to any
conditions contained in such Opinion of Counsel) for the applicable period.
Notwithstanding any other provision of this Agreement, no Mortgaged Property
acquired by the Trust shall be rented (or allowed to continue to be rented) or
otherwise used for the production of income by or on behalf of the Trust in such
a manner or pursuant to any terms that would (i) cause such Mortgaged Property
to fail to qualify as "foreclosure property" within the meaning of Section
860G(a)(8) of the Code or (ii) subject either REMIC to the imposition of any
federal, state or local income taxes on the income earned from such Mortgaged
Property under Section 860G(c) of the Code or otherwise, unless the Servicer has
agreed to indemnify and hold harmless the Trust with respect to the imposition
of any such taxes. The Servicer shall identify to the Trustee any Mortgaged
Property relating to a Mortgage Loan held by the Trust for 30 months for which
no plans to dispose of such Mortgaged Property by the Servicer have been made.
After delivery of such identification, the Servicer shall proceed to dispose of
any such Mortgaged Property by holding a commercially reasonable auction for
such property.
The income earned from the management of any REO Properties, net of
reimbursement to the Servicer for expenses incurred (including any property or
other taxes) in connection with such management and net of unreimbursed
Servicing Fees, Periodic Advances and Servicing Advances, shall be applied to
the payment of principal of and interest on the related defaulted Mortgage Loans
(solely for the purposes of allocating principal and interest, interest shall be
treated as accruing as though such Mortgage Loans were still current) and all
such income shall be deemed, for all purposes in this Agreement, to be payments
on account of principal and interest on the related Mortgage Notes and shall be
deposited into the Servicer Custodial Account. To the extent the net income
received during any calendar month is in excess of the amount attributable to
amortizing principal and accrued interest at the related Mortgage Interest Rate
on the related Mortgage Loan for such calendar month, such excess shall be
considered to be a partial prepayment of principal of the related Mortgage Loan.
The proceeds from any liquidation of a Mortgage Loan, as well as any
income from an REO Property, will be applied in the following order of priority:
first, to reimburse the Servicer for any related unreimbursed Servicing Advances
and Servicing Fees; second, to reimburse the Servicer for any unreimbursed
Periodic Advances and to reimburse the Servicer Custodial Account for any
Nonrecoverable Advances (or portions thereof) that were previously withdrawn by
the Servicer pursuant to Section 3.11(a)(iii) that related to such Mortgage
Loan; third, to accrued and unpaid interest (to the extent no Periodic Advance
has been made for such amount or any such Periodic Advance has been reimbursed)
on the Mortgage Loan or related REO Property, at the Mortgage Rate to the Due
Date occurring in the month in which such amounts are required to be
distributed; and fourth, as a recovery of principal of the Mortgage Loan. Excess
Proceeds, if any, from the liquidation of a Liquidated Mortgage Loan will be
retained by the Servicer as additional servicing compensation pursuant to
Section 3.17.
(b) The Servicer shall promptly notify the Depositor of any Mortgage
Loan which comes into default. The Depositor shall be entitled, at its option,
to repurchase (i) any such defaulted Mortgage Loan from the Trust Estate if, in
the Depositor's judgment, the default is not likely to be cured by the Mortgagor
or (ii) any Mortgage Loan in the Trust Estate which pursuant to Section 4(b) of
the applicable Mortgage Loan Purchase Agreement the applicable Seller requests
the Depositor to repurchase and to sell to such Seller to facilitate the
exercise of the Seller's rights against the originator or prior holder of such
Mortgage Loan. The purchase price for any such Mortgage Loan shall be 100% of
the unpaid principal balance of such Mortgage Loan plus accrued interest thereon
at the Mortgage Interest Rate (less the Servicing Fee Rate for such Mortgage
Loan) through the last day of the month in which such repurchase occurs. Upon
the receipt of such purchase price, the Servicer shall provide to the Trustee
the notification required by Section 3.15 and the Trustee or the Custodian shall
promptly release to the Depositor the Mortgage File relating to the Mortgage
Loan being repurchased.
Section 3.15 Trustee to Cooperate; Release of Mortgage Files.
Upon the payment in full of any Mortgage Loan, or the receipt by the
Servicer of a notification that payment in full will be escrowed in a manner
customary for such purposes, the Servicer will immediately notify the Trustee
(or, at the direction of the Trustee, the Custodian) by delivering, or causing
to be delivered, two copies (one of which will be returned to the Servicer with
the Mortgage File) of a Request for Release (which may be delivered in an
electronic format acceptable to the Trustee and the Servicer). Upon receipt of
such request, the Trustee or the Custodian, as applicable, shall within seven
Business Days release the related Mortgage File to the Servicer. The Trustee
shall at the Servicer's direction execute and deliver to the Servicer the
request for reconveyance, deed of reconveyance or release or satisfaction of
mortgage or such instrument releasing the lien of the Mortgage, in each case
provided by the Servicer, together with the Mortgage Note with written evidence
of cancellation thereon. If the Mortgage has been recorded in the name of MERS
or its designee, the Servicer shall take all necessary action to reflect the
release of the Mortgage on the records of MERS. Expenses incurred in connection
with any instrument of satisfaction or deed of reconveyance shall be chargeable
to the related Mortgagor. From time to time and as shall be appropriate for the
servicing or foreclosure of any Mortgage Loan, including for such purpose
collection under any policy of flood insurance, any fidelity bond or errors or
omissions policy, or for the purposes of effecting a partial release of any
Mortgaged Property from the lien of the Mortgage or the making of any
corrections to the Mortgage Note or the Mortgage or any of the other documents
included in the Mortgage File, the Trustee or the Custodian, as applicable,
shall, upon delivery to the Trustee (or, at the direction of the Trustee, the
Custodian) of a Request for Release signed by a Servicing Officer, release the
Mortgage File within seven Business Days to the Servicer. Subject to the further
limitations set forth below, the Servicer shall cause the Mortgage File so
released to be returned to the Trustee or the Custodian, as applicable, when the
need therefor by the Servicer no longer exists, unless the Mortgage Loan is
liquidated and the proceeds thereof are deposited in the Servicer Custodial
Account, in which case the Servicer shall deliver to the Trustee or the
Custodian, as applicable, a Request for Release, signed by a Servicing Officer.
The Trustee shall execute and deliver to the Servicer any powers of
attorney and other documents prepared by the Servicer that are reasonably
necessary or appropriate to enable the Servicer to carry out its servicing and
administrative duties under this Agreement, upon the request of the Servicer. In
addition, upon prepayment in full of any Mortgage Loan or the receipt of notice
that funds for such purpose have been placed in escrow, the Servicer is
authorized to give, as attorney-in-fact for the Trustee and the mortgagee under
the Mortgage, an instrument of satisfaction (or Assignment of Mortgage without
recourse) regarding the Mortgaged Property relating to such Mortgage Loan, which
instrument of satisfaction or Assignment of Mortgage, as the case may be, shall
be delivered to the Person entitled thereto against receipt of the prepayment in
full. If the Mortgage is registered in the name of MERS or its designee, the
Servicer shall take all necessary action to reflect the release on the records
of MERS. In lieu of executing such satisfaction or Assignment of Mortgage, or if
another document is required to be executed by the Trustee, the Servicer may
deliver or cause to be delivered to the Trustee, for signature, as appropriate,
any court pleadings, requests for trustee's sale or other documents necessary to
effectuate such foreclosure or any legal action brought to obtain judgment
against the Mortgagor on the Mortgage Note or the Mortgage or to obtain a
deficiency judgment or to enforce any other remedies or rights provided by the
Mortgage Note or the Mortgage or otherwise available at law or in equity.
Section 3.16 Documents, Records and Funds in Possession of the
Servicer to be Held for the Trustee.
The Servicer shall transmit to the Trustee or, at the direction of
the Trustee, the Custodian as required by this Agreement all documents and
instruments in respect of a Mortgage Loan coming into the possession of the
Servicer from time to time and shall account fully to the Trustee for any funds
received by the Servicer or which otherwise are collected by the Servicer as
Liquidation Proceeds or Insurance Proceeds in respect of any Mortgage Loan. The
documents constituting the Servicing File shall be held by the Servicer as
custodian and bailee for the Trustee. All Mortgage Files and funds collected or
held by, or under the control of, the Servicer in respect of any Mortgage Loans,
whether from the collection of principal and interest payments or from
Liquidation Proceeds, including but not limited to, any funds on deposit in the
Servicer Custodial Account, shall be held by the Servicer for and on behalf of
the Trustee and shall be and remain the sole and exclusive property of the
Trustee, subject to the applicable provisions of this Agreement. The Servicer
also agrees that it shall not knowingly create, incur or subject any Mortgage
File or any funds that are deposited in the Servicer Custodial Account,
Certificate Account or any Escrow Account, or any funds that otherwise are or
may become due or payable to the Trustee for the benefit of the
Certificateholders, to any claim, lien, security interest, judgment, levy, writ
of attachment or other encumbrance created by the Servicer, or assert by legal
action or otherwise any claim or right of setoff against any Mortgage File or
any funds collected on, or in connection with, a Mortgage Loan, except, however,
that the Servicer shall be entitled to set off against and deduct from any such
funds any amounts that are properly due and payable to the Servicer under this
Agreement.
Section 3.17 Servicing Compensation.
The Servicer shall be entitled out of each payment of interest on a
Mortgage Loan (or portion thereof) and included in the Trust Estate to retain or
withdraw from the Servicer Custodial Account an amount equal to the Servicing
Fee for such Distribution Date.
Additional servicing compensation in the form of Excess Proceeds,
prepayment penalties, assumption fees, late payment charges and all income and
gain net of any losses realized from Permitted Investments and all other
customary and ancillary income and fees shall be retained by the Servicer to the
extent not required to be deposited in the Servicer Custodial Account pursuant
to Section 3.08(b). The Servicer shall be required to pay all expenses incurred
by it in connection with its servicing activities hereunder and shall not be
entitled to reimbursement therefor except as specifically provided in this
Agreement.
Notwithstanding the foregoing, with respect to the payment of the
Servicing Fee on any Distribution Date, the aggregate Servicing Fee for the
Servicer for such Distribution Date shall be reduced (but not below zero) by an
amount equal to the lesser of (a) the Prepayment Interest Shortfall for such
Distribution Date relating to the Mortgage Loans and (b) one-twelfth of 0.25% of
the aggregate Stated Principal Balance of such Mortgage Loans for such
Distribution Date (any such reduction, "Compensating Interest").
Section 3.18 Annual Statement as to Compliance.
The Servicer shall deliver to the Trustee and each Rating Agency on
or before 90 days after the end of the Servicer's fiscal year, commencing with
its 2000 fiscal year, an Officer's Certificate stating, as to the signer
thereof, that (a) a review of the activities of the Servicer during the
preceding calendar year and of the performance of the Servicer under this
Agreement has been made under such officer's supervision, and (b) to the best of
such officer's knowledge, based on such review, the Servicer has fulfilled all
its obligations under this Agreement throughout such year, or, if there has been
a default in the fulfillment of any such obligation, specifying each such
default known to such officer and the nature and status thereof.
Section 3.19 Annual Independent Public Accountants' Servicing
Statement; Financial Statements.
The Servicer shall, at its own expense, on or before 90 days after
the end of the Servicer's fiscal year, commencing with its 2000 fiscal year,
cause a firm of independent public accountants (who may also render other
services to the Servicer or any affiliate thereof) which is a member of the
American Institute of Certified Public Accountants to furnish a statement to the
Trustee to the effect that such firm has with respect to the Servicer's overall
servicing operations, examined such operations in accordance with the
requirements of the Uniform Single Attestation Program for Mortgage Bankers,
stating such firm's conclusions relating thereto.
Section 3.20 Advances.
The Servicer shall determine on or before each Servicer Advance Date
whether it is required to make a Periodic Advance pursuant to the definition
thereof. If the Servicer determines it is required to make a Periodic Advance,
it shall, on or before the Servicer Advance Date, either (a) deposit into the
Servicer Custodial Account an amount equal to the Advance and/or (b) make an
appropriate entry in its records relating to the Servicer Custodial Account that
any portion of the Amount Held for Future Distribution in the Servicer Custodial
Account has been used by the Servicer in discharge of its obligation to make any
such Periodic Advance. Any funds so applied shall be replaced by the Servicer by
deposit in the Servicer Custodial Account no later than the close of business on
the Business Day preceding the next Servicer Advance Date. The Servicer shall be
entitled to be reimbursed from the Servicer Custodial Account for all Advances
of its own funds made pursuant to this Section 3.20 as provided in Section
3.11(a). The obligation to make Periodic Advances with respect to any Mortgage
Loan shall continue until the ultimate disposition of the REO Property or
Mortgaged Property relating to such Mortgage Loan. The Servicer shall inform the
Trustee of the amount of the Periodic Advance to be made by the Servicer on each
Servicer Advance Date no later than the related Remittance Date.
The Servicer shall deliver to the Trustee on the related Servicer
Advance Date an Officer's Certificate of a Servicing Officer indicating the
amount of any proposed Periodic Advance determined by the Servicer to be a
Nonrecoverable Advance. Notwithstanding anything to the contrary, the Servicer
shall not be required to make any Periodic Advance or Servicing Advance that
would be a Nonrecoverable Advance.
Section 3.21 Modifications, Waivers, Amendments and Consents.
(a) Subject to this Section 3.21, the Servicer may agree to any
modification, waiver, forbearance, or amendment of any term of any Mortgage Loan
without the consent of the Trustee or any Certificateholder. All modifications,
waivers, forbearances or amendments of any Mortgage Loan shall be in writing and
shall be consistent with Customary Servicing Procedures.
(b) The Servicer shall not agree to enter into, and shall not enter
into, any modification, waiver (other than a waiver referred to in Section 3.13,
which waiver, if any, shall be governed by Section 3.13), forbearance or
amendment of any term of any Mortgage Loan if such modification, waiver,
forbearance, or amendment would:
(i) affect the amount or timing of any related payment of principal,
interest or other amount payable thereunder;
(ii) in the Servicer's judgment, materially impair the security for
such Mortgage Loan or reduce the likelihood of timely payment of amounts
due thereon; or
(iii) otherwise constitute a "significant modification" within the
meaning of Treasury Regulations Section 1.860G-2(b);
unless, in either case, (A) such Mortgage Loan is 90 days or more past due or
(B) the Servicer delivers to the Trustee an Opinion of Counsel to the effect
that such modification, waiver, forbearance or amendment would not affect the
REMIC status of either the Upper-Tier REMIC or the Lower-Tier REMIC and, in
either case, such modification, waiver, forbearance or amendment is reasonably
likely to produce a greater recovery with respect to such Mortgage Loan than
would liquidation. Subject to Customary Servicing Procedures, the Servicer may
permit a forbearance for a Mortgage Loan which in the Servicer's judgment is
subject to imminent default.
(c) Any payment of interest, which is deferred pursuant to any
modification, waiver, forbearance or amendment permitted hereunder, shall not,
for purposes hereof, including, without limitation, calculating monthly
distributions to Certificateholders, be added to the unpaid principal balance of
the related Mortgage Loan, notwithstanding that the terms of such Mortgage Loan
or such modification, waiver or amendment so permit.
(d) The Servicer may, as a condition to granting any request by a
Mortgagor for consent, modification, waiver, forbearance or amendment, the
granting of which is within the Servicer's discretion pursuant to the Mortgage
Loan and is permitted by the terms of this Agreement, require that such
Mortgagor pay to the Servicer, as additional servicing compensation, a
reasonable or customary fee for the additional services performed in connection
with such request, together with any related costs and expenses incurred by the
Servicer, which amount shall be retained by the Servicer as additional servicing
compensation.
(e) The Servicer shall notify the Trustee, in writing, of any
modification, waiver, forbearance or amendment of any term of any Mortgage Loan
and the date thereof, and shall deliver to the Trustee (or, at the direction of
the Trustee, the Custodian) for deposit in the related Mortgage File, an
original counterpart of the agreement relating to such modification, waiver,
forbearance or amendment, promptly (and in any event within ten Business Days)
following the execution thereof; provided, however, that if any such
modification, waiver, forbearance or amendment is required by applicable law to
be recorded, the Servicer (i) shall deliver to the Trustee a copy thereof and
(ii) shall deliver to the Trustee such document, with evidence of notification
upon receipt thereof from the public recording office.
Section 3.22 Reports to the Securities and Exchange Commission.
The Trustee shall, on behalf of the Trust, cause to be filed with
the Securities and Exchange Commission any periodic reports required to be filed
under the provisions of the Securities Exchange Act of 1934, as amended, and the
rules and regulations of the Securities and Exchange Commission thereunder, for
so long as any Certificates registered under the 1933 Act are outstanding (other
than the Current Report on Form 8-K to be filed by the Depositor in connection
with computational materials and the initial Current Report on Form 8-K to be
filed by the Depositor in connection with the issuance of the Certificates).
Upon the request of the Trustee, the Servicer and the Depositor shall cooperate
with the Trustee in the preparation of any such report and shall provide to the
Trustee in a timely manner all such information or documentation as the Trustee
may reasonably request in connection with the performance of its duties and
obligations under this Section.
Section 3.23 Maintenance of the Rounding Accounts; Collections
Thereunder.
On or prior to the Closing Date, the Trustee shall establish a
separate account (each, a "Rounding Account") with respect to each of the
Special Retail Certificates, and Banc of America Securities LLC shall deposit
$999.99 in each such Rounding Account. The Trustee shall maintain such accounts
to provide, if needed, the applicable Rounding Amount (defined below) on any
Distribution Date. If, on any Distribution Date, the Trustee determines that
amounts are available out of the Pool Distribution Amount (after giving effect
to the last sentence of this paragraph) for distributions of principal on any
Class of the Special Retail Certificates, and the aggregate amount allocable to
such distributions of principal is not an amount equal to an integral multiple
of $1,000, the Trustee shall withdraw from the applicable Rounding Account an
amount which, when added to the amount allocable to such distributions of
principal, would be an integral multiple of $1,000 (the "Rounding Amount"). On
each Distribution Date prior to the earlier of (a) the Senior Credit Support
Depletion Date and (b) the date on which any loss is allocated to any Class of
the Special Retail Certificates, with respect to which the Trustee determines
that amounts are available out of the Pool Distribution Amount for distributions
of principal on any Class of Special Retail Certificates, the aggregate amount
allocable to such Class will be applied first to repay any funds withdrawn from
the applicable Rounding Account on prior Distribution Dates which have not been
repaid.
Any amounts withdrawn by the Trustee from any Rounding Account shall
be deposited in the Certificate Account for distribution to the Holders of the
Special Retail Certificates as described in the preceding paragraph.
On or promptly after the earlier of (i) the Senior Credit Support
Depletion Date and (ii) the date on which any loss is allocated to any Class of
the Special Retail Certificates, the Trustee shall remit to Banc of America
Securities LLC any amounts remaining in the applicable Rounding Account.
Amounts on deposit in the Rounding Accounts shall not be invested.
Each Rounding Account established hereunder, to the extent that it
constitutes a "reserve fund" for purposes of the REMIC Provisions, shall be an
"outside reserve fund" as defined in Section 1.860G-2(h) of the Treasury
Regulations, and in that regard (A) such Rounding Account shall be an outside
reserve fund and not an asset of the either of the Upper-Tier REMIC or
Lower-Tier REMIC, (B) such Rounding Account shall be owned for federal tax
purposes by Banc of America Securities LLC and Banc of America Securities LLC
shall report all amounts of income, deduction, gain or loss accruing therefrom,
and (C) amounts transferred by either REMIC to any Rounding Account shall be
treated for all federal tax purposes as distributed by either REMIC to Banc of
America Securities LLC.
ARTICLE IV
SERVICER'S CERTIFICATE
Section 4.01 Servicer's Certificate.
Each month, not later than 12:00 noon Eastern time on the Business
Day following each Determination Date, the Servicer shall deliver to the
Trustee, a Servicer's Certificate (in substance and format mutually acceptable
to the Servicer and the Trustee) certified by a Servicing Officer setting forth
the information necessary in order for the Trustee to perform its obligations
under this Agreement. The Trustee may conclusively rely upon the information
contained in a Servicer's Certificate for all purposes hereunder and shall have
no duty to verify or re-compute any of the information contained therein.
Each such statement shall be provided by the Trustee to any Holder
of a Certificate upon request and shall also, to the extent available, include
information regarding delinquencies on Mortgage Loans providing such statement,
indicating the number and aggregate principal amount of Mortgage Loans which are
either one, two, three or more than three months delinquent and the book value
of any REO Property.
ARTICLE V
PAYMENTS AND STATEMENTS TO CERTIFICATEHOLDERS;
REMIC ADMINISTRATION
Section 5.01 Distributions. On each Distribution Date, based solely
on the information in the Servicer's Certificate, the Trustee shall distribute
out of the Upper-Tier Certificate Account or Certificate Account, as applicable,
(to the extent funds are available therein) to each Certificateholder of record
on the related Record Date (other than as provided in Section 10.01 respecting
the final distribution) (a) by check mailed to such Certificateholder entitled
to receive a distribution on such Distribution Date at the address appearing in
the Certificate Register, or (b) upon written request by the Holder of a Regular
Certificate (in the event such Certificateholder owns of record 100% of a Class
of Certificates or holds Certificates of any Class having denominations
aggregating $1,000,000 or more), by wire transfer or by such other means of
payment as such Certificateholder and the Trustee shall agree upon, such
Certificateholder's Percentage Interest in the amount to which the related Class
of Certificates is entitled in accordance with the priorities set forth below in
Section 5.02; provided, however, that distributions of principal to the Special
Retail Certificates shall be made as described in Section 5.09.
None of the Holders of any Class of Certificates, the Depositor, the
Servicer or the Trustee shall in any way be responsible or liable to Holders of
any Class of Certificates in respect of amounts properly previously distributed
on any such Class.
Amounts distributed with respect to any Class of Certificates shall
be applied first to the distribution of interest thereon and then to principal
thereon.
Section 5.02 Priorities of Distributions.
(a) On each Distribution Date, based solely on the information
contained in the Servicer's Certificate, the Trustee shall withdraw from the
Certificate Account (to the extent funds are available therein) (1) the amounts
payable to the Trustee pursuant to Sections 3.11(b)(i) and 3.11(b)(ii) and shall
pay such funds to itself, and (2) the Pool Distribution Amount, in an amount as
specified in written notice received by the Trustee from the Servicer no later
than the related Determination Date, and shall apply such funds, first, to
distributions in respect of the Uncertificated Lower-Tier Interests as specified
in this Section 5.02(a) for deposit in the Upper-Tier Certificate Account and to
the Class A-LR Certificate, and then from the Upper-Tier Certificate Account to
distributions on the Certificates in the following order of priority and to the
extent of such funds:
(i) to each Class of Senior Certificates (other than the Class A-PO
and the Class A-LR Certificates), an amount allocable to interest equal to
the Interest Distribution Amount for such Class and any shortfall being
allocated among such Classes in proportion to the amount of the Interest
Distribution Amount that would have been distributed in the absence of
such shortfall and any shortfall allocated to the Class A-19 Certificates
being allocated among the Components in proportion to the amount of
Component Interest Distribution Amount that would have been distributed
with respect to such Component in the absence of such shortfall; provided,
however, that until the applicable Accretion Termination Date, amounts
that would have been distributed pursuant to this clause to the Class A-19
Certificates with respect to the Accrual Components or to the Class A-20
and Class A-23 Certificates will instead be distributed in reduction of
the Component Balance and/or Class Certificate Balance of the Components
and/or Classes of Certificates specified in Section 5.02(b)(i) and (ii);
(ii) concurrently to the Class A Certificates (other than the Class
A-PO and the Class A-LR Certificates) and the Class A-PO Certificates, pro
rata, based on their respective Senior Principal Distribution Amount and
PO Principal Amount, (A) to the Class A Certificates (other than the Class
A-PO Certificates), in an aggregate amount up to the Senior Principal
Distribution Amount, such distribution to be allocated among such Classes
in accordance with Section 5.02(b) and (B) to the Class A-PO Certificates
in an aggregate amount up to the PO Principal Amount;
(iii) to the Class A-PO Certificates, any Class A-PO Deferred
Amount, up to the Subordinate Principal Distribution Amount for such
Distribution Date from amounts otherwise distributable first to the Class
B-6 Certificates pursuant to clause (iv)(L) below, second to the Class B-5
Certificates pursuant to clause (iv)(J) below, third to the Class B-4
Certificates pursuant to clause (iv)(H) below, fourth to the Class B-3
Certificates pursuant to clause (iv)(F) below, fifth to the Clause B-2
Certificates pursuant to clause (iv)(D) below and finally to the Class B-1
Certificates pursuant to clause (iv)(B) below;
(iv) to each Class of Subordinate Certificates, subject to paragraph
(d) below, in the following order of priority:
(A) to the Class B-1 Certificates, an amount allocable to
interest equal to the Interest Distribution Amount for such Class
for such Distribution Date;
(B) to the Class B-1 Certificates, an amount allocable to
principal equal to its Pro Rata Share for such Distribution Date
less any amount used to pay the Class A-PO Deferred Amount pursuant
to clause (iii) above until the Class Certificate Balance thereof
has been reduced to zero;
(C) to the Class B-2 Certificates, an amount allocable to
interest equal to the Interest Distribution Amount for such Class
for such Distribution Date;
(D) to the Class B-2 Certificates, an amount allocable to
principal equal to its Pro Rata Share for such Distribution Date
less any amount used to pay the Class A-PO Deferred Amount pursuant
to clause (iii) above until the Class Certificate Balance thereof
has been reduced to zero;
(E) to the Class B-3 Certificates, an amount allocable to
interest equal to the Interest Distribution Amount for such Class
for such Distribution Date;
(F) to the Class B-3 Certificates, an amount allocable to
principal equal to its Pro Rata Share for such Distribution Date
less any amount used to pay the Class A-PO Deferred Amount pursuant
to clause (iii) above until the Class Certificate Balance thereof
has been reduced to zero;
(G) to the Class B-4 Certificates, an amount allocable to
interest equal to the Interest Distribution Amount for such Class
for such Distribution Date;
(H) to the Class B-4 Certificates, an amount allocable to
principal equal to its Pro Rata Share for such Distribution Date
less any amount used to pay the Class A-PO Deferred Amount pursuant
to clause (iii) above until the Class Certificate Balance thereof
has been reduced to zero;
(I) to the Class B-5 Certificates, an amount allocable to
interest equal to the Interest Distribution Amount for such Class
for such Distribution Date;
(J) to the Class B-5 Certificates, an amount allocable to
principal equal to its Pro Rata Share for such Distribution Date
less any amount used to pay the Class A-PO Deferred Amount pursuant
to clause (iii) above until the Class Certificate Balance thereof
has been reduced to zero;
(K) to the Class B-6 Certificates, an amount allocable to
interest equal to the Interest Distribution Amount for such Class
for such Distribution Date; and
(L) to the Class B-6 Certificates, an amount allocable to
principal equal to its Pro Rata Share for such Distribution Date
less any amount used to pay the Class A-PO Deferred Amount pursuant
to clause (iii) above until the Class Certificate Balance thereof
has been reduced to zero; and
(v) to the Holder of the Class A-R Certificate, any amounts
remaining in the Upper-Tier Certificate Account, and to the Holder of the
Class A-LR Certificate, any remaining Pool Distribution Amount.
On any Distribution Date, amounts distributed in respect of Class
A-PO Deferred Amounts will not reduce the Class Certificate Balance of the Class
A-PO Certificates.
All distributions in respect of the Interest Distribution Amount for
a Class or the Component Interest Distribution Amount for a Component will be
applied first with respect to the amount payable pursuant to clause (i) of the
definition of "Interest Distribution Amount" or "Component Interest Distribution
Amount," as applicable, and second with respect to the amount payable pursuant
to clause (ii) of such definitions.
On each Distribution Date, each Uncertificated Lower-Tier Interest
shall receive distributions in respect of principal in an amount equal to the
amount of principal distributed to their respective Corresponding Upper-Tier
Class, Classes, Component or Components as provided herein. On each Distribution
Date, each Uncertificated Lower-Tier Interest shall receive distributions in
respect of interest (or in the case of the Class A-L1 and Class A-L20 Interests,
with respect to the Accrual Components and the Accrual Certificates, shall have
such amounts added to their principal balance) in an amount equal to the
Interest Distribution Amounts or Component Interest Distribution Amounts in
respect of its Corresponding Upper-Tier Class, Classes, Component or Components,
in each case to the extent actually distributed thereon. Such amounts
distributed to the Uncertificated Lower-Tier Interests in respect of principal
and interest with respect to any Distribution Date are referred to herein
collectively as the "Lower-Tier Distribution Amount."
As of any date, the principal balance of each Uncertificated
Lower-Tier Interest equals the aggregate of the Class Certificate Balances and
Component Balances of the respective Corresponding Upper-Tier Class, Classes,
Component or Components. The initial principal balance of each Uncertificated
Lower-Tier Interest equals the aggregate of the Initial Class Certificate
Balances and Initial Component Balances of the respective Corresponding
Upper-Tier Class, Classes, Component or Components.
The pass-through rate with respect to the Class A-L1 Interest, Class
A-L20 Interest, Class A-L21 Interest, Class A-LUR Interest, Class B-L1 Interest,
Class B-L2 Interest, Class B-L3 Interest, Class B-L4 Interest, Class B-L5
Interest and Class B-L6 Interest shall be 7.750% per annum. The pass-through
rate with respect to the Class A-L5 Interest shall be 8.000% per annum. The
pass-through rate with respect to the Class A-L9 Certificate shall be 7.500% per
annum. The Class A-LPO Interest is a principal-only interest and is not entitled
to distributions of interest. Any Non-Supported Interest Shortfalls will be
allocated to each Uncertificated Lower-Tier Interest in the same relative
proportions as interest is allocated to such Uncertificated Lower-Tier Interest.
(b) (i) On each Distribution Date occurring prior to the applicable
Accretion Termination Date, based solely on the information contained in the
Servicer's Certificate, the sum of the Accrual Distribution Amounts for the
Class A-19 PAC I Component and the Class A-23 Certificates will be allocated
sequentially as follows:
first, concurrently, 33.00087657%, sequentially, to the Class
A-1, Class A-2 and Class A-3 Certificates, in that order, up to their
respective PAC Principal Amounts for such Distribution Date and
66.99912343% to the PAC Group, up to its PAC Principal Amount for such
Distribution Date; and
second, concurrently, to the Class A-19 PAC I Component and
the Class A-23 Certificates, pro rata, until their Component Principal
Balance and Class Certificate Balance, respectively, have been reduced to
zero.
(ii) On each Distribution Date occurring prior to the applicable
Accretion Termination Date, based solely on the information contained in
the Servicer's Certificate, the Accrual Distribution Amount for the Class
A-19 TAC Component will be allocated sequentially as follows:
first, to the Class A-21 Certificates, until their Class
Certificate Balance has been reduced to zero; and
second, to the Class A-19 TAC Component, until its Component
Balance has been reduced to zero.
(iii) On each Distribution Date occurring prior to the applicable
Accretion Termination Date, based solely on the information contained in
the Servicer's Certificate, the Accrual Distribution Amount for the Class
A-20 Certificates will be allocated sequentially as follows:
first, to the TAC Group, up to its TAC Principal Amount for
such Distribution Date; and
second, to the Class A-20 Certificates, until their Class
Certificate Balance has been reduced to zero.
(iv) On each Distribution Date prior to the Senior Credit Support
Depletion Date, the amount distributable to the Class A Certificates
(other than the Class A-PO Certificates) pursuant to Section 5.02(a)(ii)
for such Distribution Date, will be distributed in the following order of
priority:
first, concurrently, to the Class A-R and Class A-LR
Certificates, pro rata, until their Class Certificate Balances has been
reduced to zero;
second, concurrently, 0.17848744% to the Class A-24
Certificates, until their Class Certificate Balance has been reduced to
zero and 99.82151256%, sequentially, as follows:
(A) sequentially, as follows:
(i) concurrently, 33.00087657%, sequentially, to the
Class A-1, Class A-2 and Class A-3 Certificates, in that
order, up to their respective PAC Principal Amounts for such
Distribution Date and 66.99912343% to the PAC Group, up to its
PAC Principal Amount for such Distribution Date; and
(ii) concurrently, to the Class A-19 PAC I Component and
the Class A-23 Certificates, pro rata, up to their respective
PAC Principal Amounts; and
(B) concurrently, as follows:
(i) 35.48087226%, sequentially, as follows:
(a) 50.00000000%, sequentially, as follows:
(1) sequentially, to the Class A-9, Class
A-10 and Class A-11 Certificates, in that order,
until their Class Certificate Balances have been
reduced to zero;
(2) concurrently, to the Class A-12 and
Class A-18 Certificates, pro rata, until their
Class Certificate Balances have been reduced to
zero; and
(3) sequentially, to the Class A-13, Class
A-14 and Class A-15 Certificates, in that order,
until their Class Certificate Balances have been
reduced to zero; and
(b) 50.00000000%, sequentially, as follows:
(1) concurrently, to the Class A-6 and Class
A-16 Certificates, pro rata, until their Class
Certificate Balances have been reduced to zero;
(2) concurrently, to the Class A-5 and Class
A-7 Certificates, pro rata, until their Class
Certificate Balances have been reduced to zero;
and
(3) concurrently, to the Class A-8 and Class
A-17 Certificates, pro rata, until their Class
Certificate Balances have been reduced to zero;
(ii) 64.51912774%, sequentially, as follows:
(a) to the TAC Group, up to its TAC Principal
Amount for such Distribution Date;
(b) to the Class A-20 Certificates, until their
Class Certificate Balance has been reduced to zero; and
(c) to the TAC Group; and
(C) sequentially, as follows:
(i) concurrently, 33.00087657%, sequentially, to the
Class A-1, Class A-2 and Class A-3 Certificates, in that
order, until their Class Certificate Balances have been
reduced to zero and 66.99912343% to the PAC Group; and
(ii) concurrently, to the Class A-19 PAC I Component and
the Class A-23 Certificates, pro rata, until their Component
Balance and Class Certificate Balance, respectively, have been
reduced to zero.
The Class A-22 Certificates are Interest-Only Certificates and are
not entitled to distributions in respect of principal.
Prior to the Senior Credit Support Depletion Date, all distributions
of principal to the PAC Group will be made sequentially first to the Class A-4
Certificates up to their PAC Principal Amount for such Distribution Date and
then to the Class A-25 and Class A-4 Certificates, in that order, until their
Class Certificate Balances have been reduced to zero.
Prior to the Senior Credit Support Depletion Date, all distributions
of principal to the TAC Group will be made sequentially to the Class A-21
Certificates and the Class A-19 TAC Component, in that order, until their Class
Certificate Balance and Component Principal Balance, respectively, have been
reduced to zero.
On each Distribution Date on or after the Senior Credit Support
Depletion Date, notwithstanding the allocation and priority set forth above, the
portion of the Pool Distribution Amount available to be distributed as principal
of the Class A Certificates (other than the Class A-PO Certificates) shall be
distributed concurrently, as principal, on such Classes, pro rata, on the basis
of their respective Class Certificate Balances, until the Class Certificate
Balances thereof are reduced to zero.
(c) On each Distribution Date, Accrued Certificate Interest for each
Class of Certificates (other than the Class A-19 Certificates) and Accrued
Component Interest for each Component for such Distribution Date shall be
reduced by such Class's or Component's pro rata share, based on such Class's
Interest Distribution Amount or such Component's Component Interest Distribution
Amount for such Distribution Date, without taking into account the allocation
made by this Section 5.02(c), of (A) Non-Supported Interest Shortfalls, (B) any
Excess Losses allocable to interest, (C) on and after the Senior Credit Support
Depletion Date, any other Realized Loss allocable to interest and (D) each
Relief Act Reduction incurred during the calendar month preceding the month of
such Distribution Date.
(d) Notwithstanding the priority and allocation contained in Section
5.02(a)(iv), if with respect to any Class of Subordinate Certificates on any
Distribution Date, (i) the aggregate of the Class Certificate Balances
immediately prior to such Distribution Date of all Classes of Subordinate
Certificates which have a higher numerical Class designation than such Class,
divided by (ii) the aggregate Class Certificate Balance of all the Certificates
(other than the Class A-PO Certificates) immediately prior to such Distribution
Date (the "Fractional Interest") is less than the Original Fractional Interest
for such Class, no distribution of principal will be made to any Classes junior
to such Class (the "Restricted Classes") and the Class Certificate Balances of
the Restricted Classes will not be used in determining the Pro Rata Share for
the Subordinate Certificates that are not Restricted Classes. Any funds
remaining will be distributed in the order provided in Section 5.02(a)(iv).
Section 5.03 Allocation of Losses.
(a) On or prior to each Determination Date, the Servicer shall
inform the Trustee in writing with respect to each Mortgage Loan: (1) whether
any Realized Loss is a Deficient Valuation, a Debt Service Reduction, a Fraud
Loss or a Special Hazard Loss, (2) of the amount of such loss or Deficient
Valuation, or of the terms of such Debt Service Reduction and (3) of the total
amount of Realized Losses. Based on such information, the Trustee shall
determine the total amount of Realized Losses, including Excess Losses, with
respect to the related Distribution Date.
The principal portion of Realized Losses with respect to any
Distribution Date shall be allocated as follows:
(i) the applicable PO Percentage of the principal portion of any
Realized Loss with respect to a Discount Mortgage Loan, including any
Excess Loss, shall be allocated to the Class A-PO Certificates until the
Class Certificate Balance thereof is reduced to zero; and
(ii) (1) the applicable Non-PO Percentage of the principal portion
of any Realized Loss (other than an Excess Loss) shall be allocated first
to the Subordinate Certificates in reverse order of their respective
numerical Class designations (beginning with the Class of Subordinate
Certificates then outstanding with the highest numerical Class
designation) until the respective Class Certificate Balance of each such
Class is reduced to zero, and second to the Senior Certificates (other
than the Class A-19 and Class A-PO Certificates), the Class A-19 PAC I
Component and the Class A-19 TAC Component, pro rata, on the basis of
their respective Class Certificate Balances or Component Balances
immediately prior to the related Distribution Date or, in the case of a
Class of Accrual Certificates or an Accrual Component, the Initial Class
Certificate Balance or the Initial Component Balance, if lower, until the
Class Certificate Balances and Component Balances thereof have been
reduced to zero; and
(2) the applicable Non-PO Percentage of the principal portion
of any Excess Losses shall be allocated pro rata among the Senior
Certificates (other than the Class A-PO Certificates) in the aggregate on
the basis of their aggregate principal balance and among the Classes of
Subordinate Certificates on the basis of their respective Class
Certificate Balances immediately prior to the related Distribution Date.
Excess Losses allocated to the Senior Certificates (other than the Class
A-PO and Class A-19 Certificates), the Class A-19 PAC I Component and the
Class A-19 TAC Component will be allocated among such Classes and
Components pro rata on the basis of their respective Class Certificate
Balances or Component Balances, or in the case of a Class of Accrual
Certificates or an Accrual Component, the Initial Class Certificate
Balance or the Initial Component Balance, if lower.
(b) The Class Certificate Balance of the Class of Subordinate
Certificates then outstanding with the highest numerical Class designation shall
be reduced on each Distribution Date by the amount, if any, by which the
aggregate of the Class Certificate Balances of all outstanding Classes of
Certificates (after giving effect to the amount to be distributed as a
distribution of principal and the allocation of Realized Losses and Class A-PO
Deferred Amounts on such Distribution Date) exceeds the Adjusted Pool Amount for
such Distribution Date.
After the Senior Credit Support Depletion Date, the Class
Certificate Balances of the Senior Certificates in the aggregate (other than the
Class Certificate Balance of the Class A-PO Certificates) shall be reduced on
each Distribution Date by the amount, if any, by which the aggregate of the
Class Certificate Balances of all outstanding Classes of Senior Certificates
(other than Class A-PO Certificates) (after giving effect to the amount to be
distributed as a distribution of principal and the allocation of Realized Losses
on such Distribution Date) exceeds the difference between (i) the Adjusted Pool
Amount for such Distribution Date and (ii) the Adjusted Pool Amount (PO Portion)
for such Distribution Date.
Any such reduction shall be allocated among the Senior Certificates
(other than the Class A-19 and Class A-PO Certificates), the Class A-19 PAC I
Component and the Class A-19 TAC Component based on the Class Certificate
Balances or Component Balances immediately prior to such Distribution Date or,
in the case of a Class of Accrual Certificates or an Accrual Component, the
Initial Class Certificate Balance or the Initial Component Balance, if lower.
After the Senior Credit Support Depletion Date, the Class
Certificate Balance of the Class A-PO Certificates shall be reduced on each
Distribution Date by the amount, if any, by which the Class Certificate Balance
of the Class A-PO Certificates (after giving effect to the amount to be
distributed as a distribution of principal and the allocation of Realized Losses
on such Distribution Date) exceeds the Adjusted Pool Amount (PO Portion) for
such Distribution Date.
(c) Any Realized Loss allocated to a Class of Certificates or any
reduction in the Class Certificate Balance of a Class of Certificates pursuant
to Section 5.03(b) above shall be allocated among the Certificates of such Class
in proportion to their respective Percentage Interests.
(d) Any allocation of Realized Losses to a Class of Certificates or
any reduction in the Class Certificate Balance of a Class pursuant to Section
5.03(b) above shall be accomplished by reducing the Class Certificate Balance
thereof prior to the distributions made on the related Distribution Date in
accordance with the definition of "Class Certificate Balance."
(e) With respect to any Distribution Date, Realized Losses allocated
pursuant to this Section 5.03 will be allocated to each Uncertificated
Lower-Tier Interest in an amount equal to the amount allocated to its respective
Corresponding Upper-Tier Class, Classes, Component or Components as provided
above.
(f) After the Senior Credit Support Depletion Date, on any
Distribution Date on which the Class A-24 Loss Allocation Amount is greater than
zero, the Class Certificate Balance of the Class A-24 Certificates will be
reduced by the Class A-24 Loss Allocation Amount and, notwithstanding Section
5.03(a)(ii)(1) and Section 5.03(b), the Component Balances of the Class A-19 PAC
I Component and the Class A-19 TAC Component will not be reduced by such
Component's pro rata share, based on the Class A-19 PAC Component Loss Amount
and the Class A-19 TAC Component Loss Amount, of the Class A-24 Loss Allocation
Amount.
Section 5.04 Statements to Certificateholders.
(a) Prior to the Distribution Date in each month, based upon the
information provided to the Trustee on the Servicer's Certificates delivered to
the Trustee pursuant to Section 4.01, the Trustee shall determine the following
information with respect to such Distribution Date:
(i) the amount allocable to principal, separately identifying the
aggregate amount of any Principal Prepayments and Liquidation Proceeds
included therein;
(ii) the amount allocable to interest, the Accrual Distribution
Amounts with respect to the Accrual Components and Accrual Certificates,
any Class Unpaid Interest Shortfall included in such distribution and any
remaining Class Unpaid Interest Shortfall after giving effect to such
distribution;
(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 and the allocation thereof as between principal and
interest;
(iv) the Class Certificate Balance of each Class of Certificates
after giving effect to the distribution of principal on such Distribution
Date;
(v) the Pool Stated Principal Balance for the following Distribution
Date;
(vi) the Senior Percentage and Subordinate Percentage for the
following Distribution Date;
(vii) the amount of the Servicing Fee paid to or retained by the
Servicer with respect to such Distribution Date;
(viii) the Pass-Through Rate for each such Class of Certificates
with respect to such Distribution Date;
(ix) the amount of Periodic Advances included in the distribution on
such Distribution Date and the aggregate amount of Periodic Advances
outstanding as of the close of business on such Distribution Date;
(x) the number and aggregate principal amounts of Mortgage Loans (A)
delinquent (exclusive of Mortgage Loans in foreclosure) (1) 1 to 30 days
(2) 31 to 60 days (3) 61 to 90 days and (4) 91 or more days and (B) in
foreclosure, as of the close of business on the last day of the calendar
month preceding such Distribution Date;
(xi) with respect to any Mortgage Loan that became an REO Property
during the preceding calendar month, the loan number and Stated Principal
Balance of such Mortgage Loan as of the close of business on the
Determination Date preceding such Distribution Date and the date of
acquisition thereof;
(xii) the total number and principal balance of any REO Properties
(and market value, if available) as of the close of business on the
Determination Date preceding such Distribution Date;
(xiii) the Senior Prepayment Percentage and the Subordinate
Prepayment Percentage for the following Distribution Date;
(xiv) the aggregate amount of Realized Losses incurred during the
preceding calendar month or any Class A-PO Deferred Amounts for such
Distribution Date;
(xv) the Special Hazard Loss Amount, the Fraud Loss Amount and the
Bankruptcy Loss Amount, in each case as of the related Determination Date;
and
(xvi) in the case of the Class A-22 Certificates, the Class A-22
Notional Amount for the following Distribution Date.
(b) No later than each Distribution Date, the Trustee, based upon
information supplied to it on the Servicer's Certificates, shall prepare and
deliver (by mail, fax or electronically) to each Holder of a Certificate, each
Rating Agency and the Servicer a statement setting forth the information set
forth in Section 5.04(a).
In the case of information furnished pursuant to clauses (i), (ii)
and (ix) of Section 5.04(a), the amounts shall be expressed as a dollar amount
per Certificate with a $1,000 denomination.
On each Distribution Date, the Trustee shall prepare and furnish to
each Financial Market Service, in electronic or such other format and media
mutually agreed upon by the Trustee, the Financial Market Service and the
Depositor, the information contained in the statement described in Section
5.04(a) for such Distribution Date.
The Trustee may make available each month, to any interested party,
the monthly statement to Certificateholders via the Trustee's website.
Within a reasonable period of time after the end of each calendar
year, the Trustee shall furnish to each Person who at any time during the
calendar year was the Holder of a Certificate, if requested in writing by such
Person, a statement containing the information set forth in clauses (i), (ii)
and (vii) of Section 5.04(a), in each case aggregated for such calendar year or
applicable portion thereof during which such Person was a Certificateholder.
Such obligation of the Trustee shall be deemed to have been satisfied to the
extent that substantially comparable information shall be provided by the
Trustee pursuant to any requirements of the Code as from time to time in force.
The Trustee shall deliver to the Holders of Certificates any reports
or information the Trustee is required by this Agreement or the Code, Treasury
Regulations or REMIC Provisions to deliver to the Holders of Certificates, and
the Trustee shall prepare and provide to the Certificateholders (by mail,
telephone, or publication as may be permitted by applicable Treasury
Regulations) such other reasonable information as the Trustee deems necessary or
appropriate or is required by the Code, Treasury Regulations, and the REMIC
Provisions including, but not limited to, (i) information to be reported to the
Holders of the Residual Certificates for quarterly notices on Schedule Q (Form
1066) (which information shall be forwarded to the Holders of the Residual
Certificates by the Trustee), (ii) information to be provided to the Holders of
Certificates with respect to amounts which should be included as interest and
original issue discount in such Holders' gross income and (iii) information to
be provided to all Holders of Certificates setting forth the percentage of each
REMIC's assets, determined in accordance with Treasury Regulations using a
convention, not inconsistent with Treasury Regulations, selected by the Trustee
in its absolute discretion, that constitute real estate assets under Section 856
of the Code, and assets described in Section 7701(a)(19)(C) of the Code;
provided, however, that in setting forth the percentage of such assets of each
REMIC, nothing contained in this Agreement, including without limitation Section
7.03 hereof, shall be interpreted to require the Trustee periodically to
appraise the fair market values of the assets of the Trust Estate or to
indemnify the Trust Estate or any Certificateholders from any adverse federal,
state or local tax consequences associated with a change subsequently required
to be made in the Depositor's initial good faith determinations of such fair
market values (if subsequent determinations are required pursuant to the REMIC
Provisions) made from time to time.
Section 5.05 Tax Returns and Reports to Certificateholders.
(a) For federal income tax purposes, each REMIC shall have a
calendar year taxable year and shall maintain its books on the accrual method of
accounting.
(b) The Trustee shall prepare or cause to be prepared, shall execute
and shall file or cause to be filed with the Internal Revenue Service and
applicable state or local tax authorities income tax information returns for
each taxable year with respect to each REMIC containing such information at the
times and in the manner as may be required by the Code, the Treasury Regulations
or state or local tax laws, regulations, or rules, and shall furnish or cause to
be furnished to each REMIC and the Certificateholders the schedules, statements
or information at such times and in such manner as may be required thereby.
Within 30 days of the Closing Date, the Trustee shall furnish or cause to be
furnished to the Internal Revenue Service, on Form 8811 or as otherwise required
by the Code or the Treasury Regulations, the name, title, address and telephone
number of the person that Holders of the Certificates may contact for tax
information relating thereto, together with such additional information at the
time or times and in the manner required by the Code or the Treasury
Regulations. Such federal, state, or local income tax or information returns
shall be signed by the Trustee, or such other Person as may be required to sign
such returns by the Code, the Treasury Regulations or state or local tax laws,
regulations, or rules.
(c) In the first federal income tax return of each REMIC for its
short taxable year ending December 31, 2000, REMIC status shall be elected for
such taxable year and all succeeding taxable years.
(d) The Trustee will maintain or cause to be maintained such records
relating to each REMIC, including but not limited to records relating to the
income, expenses, assets and liabilities of the Trust Estate, and the initial
fair market value and adjusted basis of the Trust Estate property and assets
determined at such intervals as may be required by the Code or the Treasury
Regulations, as may be necessary to prepare the foregoing returns, schedules,
statements or information.
Section 5.06 Tax Matters Person. The Tax Matters Person shall have
the same duties with respect to each REMIC as those of a "tax matters partner"
under Subchapter C of Chapter 63 of Subtitle F of the Code. The Holder of the
Class A-R Certificate is hereby designated as the Tax Matters Person for the
Upper-Tier REMIC. The Holder of the Class A-LR Certificate is hereby designated
as the Tax Matters Person for the Lower-Tier REMIC. By their acceptance of the
Class A-R or Class A-LR Certificate, as applicable, each such Holder irrevocably
appoints the Trustee as its agent to perform all of the duties of the Tax
Matters Person for the Upper-Tier REMIC and the Lower-Tier REMIC.
Section 5.07 Rights of the Tax Matters Person in Respect of the
Trustee. The Trustee shall afford the Tax Matters Person, upon reasonable notice
during normal business hours, access to all records maintained by the Trustee in
respect of its duties hereunder and access to officers of the Trustee
responsible for performing such duties. Upon request, the Trustee shall furnish
the Tax Matters Person with its most recent report of condition published
pursuant to law or to the requirements of its supervisory or examining authority
publicly available. The Trustee shall make available to the Tax Matters Person
such books, documents or records relating to the Trustee's services hereunder as
the Tax Matters Person shall reasonably request. The Tax Matters Person shall
not have any responsibility or liability for any action or failure to act by the
Trustee and is not obligated to supervise the performance of the Trustee under
this Agreement or otherwise.
Section 5.08 REMIC Related Covenants. For as long as the Trust shall
exist, the Trustee, the Depositor and the Servicer shall act in accordance
herewith to assure continuing treatment of the Upper-Tier REMIC and the
Lower-Tier REMIC as REMICs and avoid the imposition of tax on either REMIC. In
particular:
(a) The Trustee shall not create, or permit the creation of, any
"interests" in either REMIC within the meaning of Code Section 860D(a)(2) other
than the interests represented by the Regular Certificates, the Residual
Certificates and the Uncertificated Lower-Tier Interests.
(b) Except as otherwise provided in the Code, (i) the Depositor and
the Servicer shall not contribute to the Trust Estate and the Trustee shall not
accept property unless substantially all of the property held in each REMIC
constitutes either "qualified mortgages" or "permitted investments" as defined
in Code Sections 860G(a)(3) and (5), respectively, and (ii) no property shall be
contributed to either REMIC after the start-up day unless such contribution
would not subject the Trust Estate to the 100% tax on contributions to a REMIC
after the start-up day of the REMIC imposed by Code Section 860G(d).
(c) The Trustee shall not accept on behalf of either REMIC any fee
or other compensation for services and neither the Trustee nor the Servicer
shall knowingly accept, on behalf of the Trust Estate any income from assets
other than those permitted to be held by a REMIC.
(d) The Trustee shall not sell or permit the sale of all or any
portion of the Mortgage Loans (other than in accordance with Sections 2.02, 2.04
or 3.14(b)), unless such sale is pursuant to a "qualified liquidation" as
defined in Code Section 860F(a)(4)(A) and in accordance with Article X.
(e) The Trustee shall maintain books with respect to the Trust on a
calendar year taxable year and on an accrual basis.
Neither the Servicer nor the Trustee shall engage in a "prohibited
transaction" (as defined in Code Section 860F(a)(2)), except that, with the
prior written consent of the Servicer and the Depositor, the Trustee may engage
in the activities otherwise prohibited by the foregoing paragraphs (b), (c) and
(d); provided that the Servicer shall have delivered to the Trustee an Opinion
of Counsel to the effect that such transaction will not result in the imposition
of a tax on either the Upper-Tier REMIC or the Lower-Tier REMIC and will not
disqualify either REMIC from treatment as a REMIC; and, provided further, that
the Servicer shall have demonstrated to the satisfaction of the Trustee that
such action will not adversely affect the rights of the Holders of the
Certificates and the Trustee and that such action will not adversely impact the
rating of the Certificates.
Section 5.09 Principal Distributions on the Special Retail
Certificates. Prior to the earlier of (1) the Senior Credit Support Depletion
Date and (2) the date on which any Realized Loss is allocated to any Class of
Special Retail Certificates, distributions in reduction of the Class Certificate
Balance of such Class will be made in integral multiples of $1,000 at the
request of the appropriate representatives of Deceased Holders of Certificates
of each such Class and at the request of Living Holders of Certificates of each
such Class or by mandatory distributions, pursuant to Section 5.09(a) and
Section 5.09(d). On and after the earlier of (A) the Senior Credit Support
Depletion Date and (B) the date on which any Realized Loss is allocated to any
Class of Special Retail Certificates, distributions in reduction of the Class
Certificate Balances of such Class will be made on a pro rata basis pursuant to
Section 5.09(e).
(a) Except as set forth in Section 5.09(e), on each Distribution
Date on which principal distributions to any Class of the Special Retail
Certificates are made, such distributions will be made in the following
priority:
(i) first, to requesting Deceased Holders, in the order in which
such requests are received by the Depository, but not exceeding an
aggregate amount of $25,000 for each requesting Deceased Holder; and
(ii) second, to requesting Living Holders, in the order in which
such requests are received by the Depository, but not exceeding an
aggregate amount of $10,000 for each requesting Living Holder.
Thereafter, distributions will be made, with respect to such Class
of the Special Retail Certificates, as provided in clauses (i) and (ii) above,
up to a second $25,000 and $10,000, respectively. This sequence of priorities
will be repeated until all requests for principal distributions by Deceased
Holders and Living Holders of such Class have been honored, to the extent of
amounts available for principal distributions to the Holders of such Class.
All requests for principal distributions to Special Retail
Certificates will be accepted in accordance with the provisions set forth in
Section 5.09(c). Requests for principal distributions that are received by the
Trustee after the related Record Date and requests for principal distributions
received in a timely manner but not accepted with respect to any Distribution
Date, will be treated as requests for principal distributions to the Special
Retail Certificates on the next succeeding Distribution Date, and each
succeeding Distribution Date thereafter, until each such request is accepted or
is withdrawn as provided in Section 5.09(c). Such requests that are not
withdrawn shall retain their order of priority without the need for any further
action on the part of the appropriate Certificate Owner of the related Special
Retail Certificate, all in accordance with the procedures of the Depository and
the Trustee. Upon the transfer of beneficial ownership of any Special Retail
Certificate, any distribution request previously submitted with respect to such
Certificate will be deemed to have been withdrawn only upon the receipt by the
Trustee on or before the Record Date for such Distribution Date of notification
of such withdrawal in the manner set forth in Section 5.09(c) using a form
required by the Depository.
Distributions in reduction of the Class Certificate Balance of any
Class of Special Retail Certificates will be applied in an amount equal to the
portion of the Senior Principal Distribution Amount allocable to such Class
pursuant to Section 5.02, plus any amounts available for distribution from the
applicable Rounding Account established as provided in Section 3.23, provided
that the aggregate distribution of principal to such Class on any Distribution
Date shall be made in an integral multiple of $1,000.
To the extent that the portion of the Senior Principal Distribution
Amount allocable to any Class of Special Retail Certificates on any Distribution
Date exceeds the aggregate Class Certificate Balance of that Class of Special
Retail Certificates with respect to which principal distribution requests have
been received, principal distributions in reduction of the Class Certificate
Balance of such Class will be made by mandatory distribution pursuant to Section
5.09(d).
(b) A Special Retail Certificate shall be deemed to be held by a
Deceased Holder for purposes of this Section 5.09 if the death of the
Certificate Owner thereof is deemed to have occurred. Special Retail
Certificates beneficially owned by tenants by the entirety, joint tenants or
tenants in common will be considered to be beneficially owned by a single owner.
The death of a tenant by the entirety, joint tenant or tenant in common will be
deemed to be the death of the Certificate Owner. Special Retail Certificates
beneficially owned by a trust will be considered to be beneficially owned by
each beneficiary of the trust to the extent of such beneficiary's beneficial
interest therein, but in no event will a trust's beneficiaries collectively be
deemed to be Certificate Owners of a number of Special Retail Certificates
greater than the number of Special Retail Certificates of which such trust is
the owner. The death of a beneficiary of a trust will be deemed to be the death
of a Certificate Owner of the Special Retail Certificates beneficially owned by
the trust to the extent of such beneficiary's beneficial interest in such trust.
The death of an individual who was a tenant by the entirety, joint tenant or
tenant in common in a tenancy which is the beneficiary of a trust will be deemed
to be the death of the beneficiary of such trust. The death of an individual
who, during his or her lifetime, was entitled to substantially all of the
beneficial ownership interests in a Special Retail Certificate will be deemed to
be the death of the Certificate Owner of such Special Retail Certificate
regardless of the registration of ownership, if such beneficial ownership
interest can be established to the satisfaction of the Trustee. Such beneficial
interest will be deemed to exist in typical cases of street name or nominee
ownership, ownership by a trustee, ownership under the Uniform Gifts to Minors
Act and community property or other joint ownership arrangements between a
husband and wife. Beneficial interest shall include the power to sell, transfer
or otherwise dispose of a Special Retail Certificate and the right to receive
the proceeds therefrom, as well as interest and principal distributions, as
applicable, payable with respect thereto. The Trustee shall not be under any
duty to determine independently the occurrence of the death of any deceased
Certificate Owner. The Trustee may rely entirely upon documentation delivered to
it pursuant to Section 5.09(c) in establishing the eligibility of any
Certificate Owner to receive the priority accorded Deceased Holders in Section
5.09(a).
(c) Requests for principal distributions to the Certificate Owner of
any Special Retail Certificate must be made by delivering a written request
therefor to the Depository Participant or Indirect Depository Participant that
maintains the account evidencing such Certificate Owner's interest in such
Certificate. In the case of a request on behalf of a Deceased Holder,
appropriate evidence of death and any tax waivers are required to be forwarded
to the Trustee under separate cover. The Depository Participant should in turn
make the request of the Depository (or, in the case of an Indirect Depository
Participant, such Indirect Depository Participant must notify the related
Depository Participant of such request, which Depository Participant should make
the request of the Depository) in the manner required under the rules and
regulations of the Depository's APUT System. Upon receipt of such request, the
Depository will date and time stamp such request and forward such request to the
Trustee. The Depository may establish such procedures as it deems fair and
equitable to establish the order of receipt of requests for such distributions
received by it on the same day. None of the Depositor, the Master Servicer or
the Trustee shall be liable for any delay in delivery of requests for
distributions or withdrawals of such requests by the Depository, a Depository
Participant or any Indirect Depository Participant.
The Trustee shall maintain a list of those Depository Participants
representing the appropriate Certificate Owners of Special Retail Certificates
that have submitted requests for principal distributions, together with the
order of receipt and the amounts of such requests. Subject to the priorities
described in Section 5.09(a) above, the Depository will honor requests for
distributions in the order of their receipt. The Trustee shall notify the
Depository as to which requests should be honored on each Distribution Date at
least two Business Days prior to such Distribution Date and shall notify the
Depository as to the portion of the Senior Principal Distribution Amount
(together with any amounts available for distribution from the applicable
Rounding Account) to be distributed to the Special Retail Certificates by
mandatory distribution pursuant to Section 5.09(d). Requests shall be honored by
the Depository in accordance with the procedures, and subject to the priorities
and limitations, described in this Section 5.09. The exact procedures to be
followed by the Trustee and the Depository for purposes of determining such
priorities and limitations will be those established from time to time by the
Trustee or the Depository, as the case may be. The decisions of the Trustee and
the Depository concerning such matters will be final and binding on all affected
Persons.
Special Retail Certificates that have been accepted for a
distribution shall be due and payable on the applicable Distribution Date. Such
Certificates shall cease to bear interest after the last day of the calendar
month preceding the month in which such Distribution Date occurs.
Any Certificate Owner of a Special Retail Certificate that has
requested a principal distribution may withdraw its request by so notifying in
writing the Depository Participant or Indirect Depository Participant that
maintains such Certificate Owner's account. If such account is maintained by an
Indirect Depository Participant, such Indirect Depository Participant must
notify the related Depository Participant which in turn must forward the
withdrawal of such request, in the manner required under the rules and
regulations of the Depository's APUT System, to the Depository to be forwarded
to the Trustee. If such notice of withdrawal of a request for distribution has
not been received by the Depository and forwarded to the Trustee on or before
the Record Date for the next Distribution Date, the previously made request for
a principal distribution will be irrevocable with respect to the making of
principal distributions on such Distribution Date.
If any requests for principal distributions are rejected by the
Trustee for failure to comply with the requirements of this Section 5.09, the
Trustee shall return such request to the appropriate Depository Participant with
a copy to the Depository with an explanation as to the reason for such
rejection.
(d) If principal distributions to be made to any Class of the
Special Retail Certificates on a Distribution Date exceed the aggregate amount
of principal distribution requests for such Class which have been received on or
before the applicable Record Date, as provided in Section 5.09(a) above,
additional Special Retail Certificates of such Class will be selected to receive
mandatory principal distributions in lots equal to $1,000 in accordance with the
then-applicable random lot procedures of the Depository, and the then-applicable
procedures of the Depository Participants and Indirect Depository Participants
representing the Certificate Owners (which procedures may or may not be by
random lot). The Trustee shall notify the Depository of the aggregate amount of
the mandatory principal distribution to be made on the next Distribution Date.
The Depository shall then allocate such aggregate amount among the Depository
Participants on a random lot basis. Each Depository Participant and, in turn,
each Indirect Depository Participant will then select, in accordance with its
own procedures, Special Retail Certificates of such Class from among those held
in its accounts to receive mandatory principal distributions, such that the
total amount of principal distributed to the Special Retail Certificates of such
Class so selected is equal to the aggregate amount of such mandatory
distributions allocated to such Depository Participant by the Depository and to
such Indirect Depository Participant by its related Depository Participant, as
the case may be. Depository Participants and Indirect Depository Participants
that hold Special Retail Certificates of such Class selected for mandatory
principal distributions are required to provide notice of such mandatory
distributions to the affected Certificate Owners.
(e) Notwithstanding any provisions herein to the contrary, on each
Distribution Date on and after the earlier of (i) the Senior Credit Support
Depletion Date and (ii) the date on which any Realized Loss is allocated to any
Class of Special Retail Certificates, distributions in reduction of the Class
Certificate Balance of such Class will be made pro rata among the Certificate
Owners of the Certificates of such Class and will not be made in integral
multiples of $1,000 or pursuant to requests for distribution as permitted by
Section 5.09(a) or by mandatory distributions as provided for by Section
5.09(d).
(f) In the event that Definitive Certificates representing the
Special Retail Certificates are issued pursuant to Section 6.02(c)(iii), an
amendment to this Agreement, which may be approved without the consent of any
Certificateholders, shall establish procedures relating to the manner in which
distributions in reduction of the Class Certificate Balance of each Class of the
Special Retail Certificates are to be made; provided that such procedures shall
be consistent, to the extent practicable and customary for certificates similar
to the Special Retail Certificates, with the provisions of this Section 5.09.
ARTICLE VI
THE CERTIFICATES
Section 6.01 The Certificates. The Classes of Senior Certificates
and the Subordinate Certificates shall be substantially in the forms set forth
in Exhibits X-0, X-0, X-0, X-0, X-0, X-0, X-0, X-0, X-0, X-00, X-00, X-00, X-00,
X-00, X-00, X-00, X-00, X-00, X-00, X-00, X-00, X-00, X-00, X-00, X-00, A-PO,
A-R, A-LR, X-0, X-0, X-0, X-0, X-0, B-6 and C (reverse of all Certificates) and
shall, on original issue, be executed by the Trustee and shall be countersigned
and delivered by the Trustee to or upon the order of the Depositor upon receipt
by the Trustee of the documents specified in Section 2.01. The Senior
Certificates (other than the Class A-6, Class A-7, Class A-8, Class A-14, Class
A-18, Class A-PO, Class A-R and Class A-LR Certificates) shall be available to
investors in interests representing minimum dollar Certificate Balances (or
notional amounts) of $1,000 and integral multiples of $1 in excess thereof. The
Class X-0, Xxxxx X-0, Class A-8, Class A-14 and Class A-18 Certificates shall be
available to investors in interests representing minimum dollar Certificate
Balances of $1,000 and integral multiples of $1,000 in excess thereof. The
Subordinate Certificates and the Class A-PO Certificates shall be available to
investors in interests representing minimum dollar Certificate Balances of
$25,000 and integral dollar multiples of $1 in excess thereof (except one
Certificate of such Class may be issued with a different Certificate Balance (or
notional amount). The Class A-R and Class A-LR Certificates shall each be in a
minimum denomination of $50. The Senior Certificates (other than the Class A-R
and Class A-LR Certificates) and the Class B-1, Class B-2 and Class B-3
Certificates shall initially be issued in book-entry form through the Depository
and delivered to the Depository or, pursuant to the Depository's instructions on
behalf of the Depository to, and deposited with, the Certificate Custodian, and
all other Classes of Certificates shall initially be issued in definitive,
fully-registered form.
The Certificates shall be executed by manual or facsimile signature
on behalf of the Trustee by an authorized officer or signatory. Certificates
bearing the manual or facsimile signatures of individuals who were, at the time
when such signatures were affixed, authorized to sign on behalf of the Trustee
shall bind the Trustee, notwithstanding that such individuals or any of them
have ceased to be so authorized prior to the execution and delivery of such
Certificates or did not hold such offices or positions at the date of such
Certificate. No Certificate shall be entitled to any benefit under this
Agreement, or be valid for any purpose, unless such Certificate shall have been
manually countersigned by the Trustee substantially in the form provided for
herein, and such countersignature 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 countersignature.
Section 6.02 Registration of Transfer and Exchange of Certificates.
(a) The Trustee shall cause to be kept at an office or agency in the
city in which the Corporate Trust Office of the Trustee is located 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 shall initially
serve as Certificate Registrar for the purpose of registering Certificates and
transfers and exchanges of Certificates as herein provided.
(b) At the option of the Certificateholders, Certificates may be
exchanged for other Certificates of authorized denominations of a like Class,
tenor 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 Trustee shall
authenticate, countersign and deliver the Certificates 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 its attorney duly
authorized in writing.
(c) (i) Except as provided in paragraph (c)(iii) below, the
Book-Entry Certificates shall at all times remain registered in the name
of the Depository or its nominee and at all times: (A) registration of the
Certificates may not be transferred by the Trustee except to another
Depository; (B) the Depository shall maintain book-entry records with
respect to the Certificate Owners and with respect to ownership and
transfers of such Book-Entry Certificates; (C) ownership and transfers of
registration of the Book-Entry Certificates on the books of the Depository
shall be governed by applicable rules established by the Depository; (D)
the Depository may collect its usual and customary fees, charges and
expenses from its Depository Participants; (E) the Trustee shall deal with
the Depository as the representative of the Certificate Owners of the
Book-Entry Certificates for purposes of exercising the rights of Holders
under this Agreement, and requests and directions for and votes of the
Depository shall not be deemed to be inconsistent if they are made with
respect to different Certificate Owners; and (F) the Trustee may rely and
shall be fully protected in relying upon information furnished by the
Depository with respect to its Depository Participants and furnished by
the Depository Participants with respect to indirect participating firms
and persons shown on the books of such indirect participating firms as
direct or indirect Certificate Owners.
(ii) All transfers by Certificate Owners of 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 only transfer 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.
(iii) If (A) (1) the Depository or the Depositor advises the Trustee
in writing that the Depository is no longer willing or able to properly
discharge its responsibilities as Depository, and (2) the Trustee or the
Depositor is unable to locate a qualified successor, (B) the Depositor at
its option advises the Trustee in writing that it elects to terminate the
book-entry system through the Depository, (C) after the occurrence of an
Event of Default, or (D) in the event the Depository is unable to make the
pro rata distributions required by Section 5.09(e), Certificate Owners
representing at least 51% of the aggregate Class Certificate Balances of
the Book-Entry Certificates together advise the Trustee and the Depository
through the Depository Participants in writing that the continuation of a
book-entry system through the Depository is no longer in the best
interests of the Certificate Owners, the Trustee shall notify all
Certificate Owners, through the Depository, of the occurrence of any such
event and of the availability of definitive, fully-registered Certificates
(the "Definitive Certificates") to Certificate Owners requesting the same.
Upon surrender to the Trustee of the related Class of Certificates by the
Depository (or by the Certificate Custodian, if it holds such Class on
behalf of the Depository), accompanied by the instructions from the
Depository for registration, the Trustee shall issue the Definitive
Certificates. None of the Servicer, the Depositor or the Trustee shall be
liable for any delay in delivery of such instruction and may conclusively
rely on, and shall be protected in relying on, such instructions. The
Depositor shall provide the Trustee with an adequate inventory of
certificates to facilitate the issuance and transfer of Definitive
Certificates. Upon the issuance of Definitive Certificates, the Trustee
shall recognize the Holders of the Definitive Certificates as
Certificateholders hereunder.
(d) No transfer of a Private Certificate shall be made unless such
transfer is exempt from the registration requirements of the 1933 Act and any
applicable state securities laws or is made in accordance with the 1933 Act and
such laws. In the event of any such transfer, (i) unless such transfer is made
in reliance on Rule 144A under the 1933 Act, the Trustee or the Depositor may
require a written Opinion of Counsel (which may be in-house counsel) acceptable
to and in form and substance reasonably satisfactory to the Trustee and the
Depositor that such transfer may be made pursuant to an exemption, describing
the applicable exemption and the basis therefor, from the 1933 Act and such laws
or is being made pursuant to the 1933 Act and such laws, which Opinion of
Counsel shall not be an expense of the Trustee or the Depositor and (ii) the
Trustee shall require a certificate from the Certificateholder desiring to
effect such transfer substantially in the form attached hereto as Exhibit G-1
and a certificate from such Certificateholder's prospective transferee
substantially in the form attached hereto either as Exhibit G-2A or as Exhibit
G-2B, which certificates shall not be an expense of the Trustee or the
Depositor; provided that the foregoing requirements under clauses (i) and (ii)
shall not apply to a transfer of a Private Certificate between or among the
Depositor, the Seller, their affiliates or both. The Depositor shall provide to
any Holder of a Private Certificate and any prospective transferees designated
by any such Holder, information regarding the related Certificates and the
Mortgage Loans and such other information as shall be necessary to satisfy the
condition to eligibility set forth in Rule 144A(d)(4) for transfer of any such
certificate without registration thereof under the 1933 Act pursuant to the
registration exemption provided by Rule 144A. The Holder of a Private
Certificate desiring to effect such transfer shall, and does hereby agree to,
indemnify the Trustee and the Depositor 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.
(e) No transfer of an ERISA Restricted Certificate shall be made
unless the transferee delivers to the Trustee either (i) a representation letter
in the form of Exhibit H from the transferee of such Certificate, which
representation letter shall not be an expense of the Depositor, the Trustee or
the Servicer, or (ii) in the case of any ERISA Restricted Certificate presented
for registration in the name of an employee benefit plan or arrangement,
including an individual retirement account, subject to ERISA, the Code, or any
federal, state or local law ("Similar Law") which is similar to ERISA or the
Code (collectively, a "Plan"), or a trustee or custodian of any of the
foregoing, an Opinion of Counsel in form and substance satisfactory to the
Trustee and the Servicer to the effect that the purchase or holding of such
ERISA Restricted Certificate by or on behalf of such Plan will not result in the
assets of the Trust Estate being deemed to be "plan assets" and subject to the
prohibited transaction provisions of ERISA, the Code or Similar Law and will not
subject the Trustee, the Depositor or the Servicer to any obligation in addition
to those undertaken in this Agreement, which Opinion of Counsel shall not be an
expense of the Trustee or the Servicer. Any transferee of an ERISA Restricted
Certificate that does not comply with either clause (i) or (ii) of the preceding
sentence will be deemed to have made one of the representations set forth in
Exhibit H. Notwithstanding anything else to the contrary herein, any purported
transfer of an ERISA Restricted Certificate to or on behalf of a Plan without
the delivery to the Trustee and the Servicer of an Opinion of Counsel
satisfactory to the Trustee and the Servicer as described above shall be void
and of no effect.
Neither the Trustee nor the Certificate Registrar shall have any
liability for transfers of Book-Entry Certificates made through the book-entry
facilities of the Depository or between or among any Depository Participants or
Certificate Owners, made in violation of applicable restrictions. The Trustee
may rely and shall be fully protected in relying upon information furnished by
the Depository with respect to its Depository Participants and furnished by the
Depository Participants with respect to indirect participating firms and Persons
shown on the books of such indirect participating firms as direct or indirect
Certificate Owners.
To the extent permitted under applicable law (including, but not
limited to, ERISA), the Trustee shall be under no liability to any Person for
any registration of transfer of any ERISA Restricted Certificate that is in fact
not permitted by this Section 6.02 or for making any payments due on such
Certificate to the Holder thereof or taking any other action with respect to
such Holder under the provisions of this Agreement so long as the transfer was
registered by the Trustee in accordance with the foregoing requirements.
(f) Each Person who has or who acquires any Ownership Interest in a
Residual Certificate shall be deemed by the acceptance or acquisition of such
Ownership Interest to have agreed to be bound by the following provisions, and
the rights of each Person acquiring any Ownership Interest in a Residual
Certificate are expressly subject to the following provisions:
(i) Each Person holding or acquiring any Ownership Interest in a
Residual 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.
(ii) No Person shall acquire an Ownership Interest in a Residual
Certificate unless such Ownership Interest is a pro rata undivided
interest.
(iii) In connection with any proposed transfer of any Ownership
Interest in a Residual Certificate, the Trustee shall require delivery to
it, in form and substance satisfactory to it, of an affidavit in the form
of Exhibit I hereto from the proposed transferee.
(iv) Notwithstanding the delivery of an affidavit by a proposed
transferee under clause (iii) above, if a Responsible Officer of the
Trustee has actual knowledge that the proposed transferee is not a
Permitted Transferee, no transfer of any Ownership Interest in a Residual
Certificate to such proposed transferee shall be effected.
(v) No Ownership Interest in a Residual Certificate may be purchased
by or transferred to any Person that is not a U.S. Person, unless (A) such
Person holds such Residual Certificate in connection with the conduct of a
trade or business within the United States and furnishes the transferor
and the Trustee with an effective Internal Revenue Service Form 4224 (or
successor thereto) or (B) the transferee delivers to both the transferor
and the Trustee an Opinion of Counsel from a nationally-recognized tax
counsel to the effect that such transfer is in accordance with the
requirements of the Code and the regulations promulgated thereunder and
that such transfer of a Residual Certificate will not be disregarded for
federal income tax purposes.
(vi) Any attempted or purported transfer of any Ownership Interest
in a Residual Certificate in violation of the provisions of this Section
6.02 shall be absolutely null and void and shall vest no rights in the
purported transferee. If any purported transferee shall, in violation of
the provisions of this Section 6.02, become a Holder of a Residual
Certificate, then the prior Holder of such Residual Certificate that is a
Permitted Transferee shall, upon discovery that the registration of
transfer of such Residual Certificate was not in fact permitted by this
Section 6.02, be restored to all rights as Holder thereof retroactive to
the date of registration of transfer of such Residual Certificate. The
Trustee shall be under no liability to any Person for any registration of
transfer of a Residual Certificate that is in fact not permitted by this
Section 6.02 or for making any distributions due on such Residual
Certificate to the Holder thereof or taking any other action with respect
to such Holder under the provisions of the Agreement so long as the
transfer was registered in accordance with this Section 6.02. The Trustee
shall be entitled to recover from any Holder of a Residual Certificate
that was in fact not a Permitted Transferee at the time such distributions
were made all distributions made on such Residual Certificate. Any such
distributions so recovered by the Trustee shall be distributed and
delivered by the Trustee to the prior Holder of such Residual Certificate
that is a Permitted Transferee.
(vii) If any Person other than a Permitted Transferee acquires any
Ownership Interest in a Residual Certificate in violation of the
restrictions in this Section 6.02, then the Trustee, based on information
provided to the Trustee by the Servicer, will provide to the Internal
Revenue Service, and to the Persons specified in Section 860E(e)(3) and
(6) of the Code, information needed to compute the tax imposed under
Section 860E(e) of the Code on transfers of residual interests to
disqualified organizations. The expenses of the Trustee under this clause
(vii) shall be reimbursable by the Trust.
(viii) No Ownership Interest in a Residual Certificate shall be
acquired by a Plan or any Person acting on behalf of a Plan.
(g) [Reserved]
(h) No service charge shall be imposed 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.
(i) All Certificates surrendered for transfer and exchange shall be
destroyed by the Certificate Registrar.
Section 6.03 Mutilated, Destroyed, Lost or Stolen Certificates. If
(a) any mutilated Certificate is surrendered to the Certificate Registrar or the
Certificate Registrar receives evidence to its satisfaction of the destruction,
loss or theft of any Certificate, and (b) there is delivered to the Trustee, the
Depositor and the Certificate Registrar such security or indemnity reasonably
satisfactory to each, to save each of them harmless, then, in the absence of
actual notice to the Trustee or the Certificate Registrar that such Certificate
has been acquired by a bona fide purchaser, the Trustee shall countersign 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 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, as if originally
issued, whether or not the lost, stolen or destroyed Certificate shall be found
at any time.
Section 6.04 Persons Deemed Owners. Prior to due presentation of a
Certificate for registration of transfer, the Depositor, the Servicer, the
Trustee, the Certificate Registrar and any agent of the Depositor, the 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 5.01 and for all other purposes
whatsoever, and none of the Depositor, the Servicer, the Trustee, the
Certificate Registrar or any agent of the Servicer, the Trustee or the
Certificate Registrar shall be affected by notice to the contrary.
ARTICLE VII
THE DEPOSITOR AND THE SERVICER
Section 7.01 Respective Liabilities of the Depositor and the
Servicer. The Depositor and the Servicer shall each be liable in accordance
herewith only to the extent of the obligations specifically and respectively
imposed upon and undertaken by the Depositor and the Servicer herein. By way of
illustration and not limitation, the Depositor is not liable for the servicing
and administration of the Mortgage Loans, nor is it obligated by Section 8.01 to
assume any obligations of the 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 7.02 Merger or Consolidation of the Depositor or the
Servicer. The Depositor and the Servicer will each keep in full effect its
existence, rights and franchises as a separate entity under the laws governing
its organization, 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.
Any Person into which the Depositor or the Servicer may be merged or
consolidated, or any corporation resulting from any merger or consolidation to
which the Depositor or the Servicer shall be a party, or any Person succeeding
to the business of the Depositor or the Servicer, shall be the successor of the
Depositor or the 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 Servicer shall be qualified to service
mortgage loans on behalf of FNMA or FHLMC.
Section 7.03 Limitation on Liability of the Depositor, the Servicer
and Others. None of the Depositor, the Servicer or any of the directors,
officers, employees or agents of the Depositor or of the Servicer shall be under
any liability to the Trust Estate 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 Depositor, the 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 Depositor, the Servicer and any director,
officer, employee or agent of the Depositor or the 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 Depositor, the Servicer
and any director, officer, employee or agent of the Depositor or the Servicer
shall be indemnified by the Trust Estate 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 of the Depositor nor the Servicer shall be under any
obligation to appear in, prosecute or defend any legal action which 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
Depositor or the Servicer may in its discretion undertake any such action which
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 and any
liability resulting therefrom shall be expenses, costs and liabilities of the
Trust Estate, and the Depositor and the Servicer shall be entitled to be
reimbursed therefor out of amounts attributable to the Mortgage Loans on deposit
in the Servicer Custodial Account as provided by Section 3.11.
Section 7.04 Depositor and Servicer Not to Resign. Subject to the
provisions of Section 7.02, neither the Depositor nor the 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
Depositor or the Servicer shall be evidenced by an Opinion of Counsel to such
effect delivered to the Trustee. No such resignation by the Servicer shall
become effective until the Trustee or a successor servicer shall have assumed
the Servicer's responsibilities and obligations in accordance with Section 8.05
hereof.
ARTICLE VIII
DEFAULT
Section 8.01 Events of Default. If any one of the following events
("Events of Default") shall occur and be continuing:
(a) any failure by the Servicer to deposit amounts in the Servicer
Custodial Account in the amount and manner provided herein so as to enable the
Trustee to distribute to Holders of Certificates any payment required to be made
under the terms of such Certificates and this Agreement (other than the payments
required to be made under Section 3.20) which continues unremedied for a period
of five days; or
(b) failure on the part of the Servicer duly to observe or perform
in any material respect any other covenants or agreements of the Servicer set
forth in the Certificates or in this Agreement, which covenants and agreements
continue unremedied for a period of 30 days after the date on which written
notice of such failure, requiring the same to be remedied, shall have been given
to the Servicer by the Trustee or the Depositor, or to the Servicer, the
Depositor and the Trustee by the Holders of Certificates evidencing Voting
Rights aggregating not less than 25% of all Certificates affected thereby; or
(c) the entry of a decree or order by a court or agency or
supervisory authority having jurisdiction in the premises for the appointment of
a conservator, receiver or liquidator in any insolvency, readjustment of debt,
marshalling of assets and liabilities or similar proceedings against the
Servicer, or for the winding up or liquidation of the Servicer's affairs, and
the continuance of any such decree or order unstayed and in effect for a period
of 60 consecutive days; or
(d) the consent by the Servicer 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 Servicer
or of or relating to substantially all of its property; or the Servicer shall
admit in writing its inability to pay its debts generally as they become due,
file a petition to take advantage of any applicable insolvency or reorganization
statute, make an assignment for the benefit of its creditors, or voluntarily
suspend payment of its obligations; or
(e) the failure of the Servicer to remit any Periodic Advance
required to be remitted by the Servicer pursuant to Section 3.20 which failure
continues unremedied at 3:00 p.m. on the related Distribution Date;
then, and in each and every such case, so long as an Event of Default shall not
have been remedied by the Servicer, either the Trustee or the Depositor may, and
at the direction of the Holders of Certificates evidencing Voting Rights
aggregating not less than 51% of all Certificates affected thereby shall, by
notice then given in writing to the Servicer (and to the Trustee, if given by
the Depositor, and to the Depositor, if given by the Trustee), terminate all of
the rights and obligations of the Servicer under this Agreement. If an Event of
Default described in clause (e) hereof shall occur, the Trustee shall, by notice
to the Servicer, terminate all of the rights and obligations of the Servicer
under this Agreement and in and to the Mortgage Loans and proceeds thereof and
the Trustee or a successor Servicer appointed pursuant to Section 8.05 shall
make the Advance which the Servicer failed to make. On or after the receipt by
the Servicer of such written notice, all authority and power of the Servicer
under this Agreement, whether with respect to the Certificates or the Mortgage
Loans or otherwise, shall pass to and be vested in the Trustee pursuant to and
under this Section 8.01, unless and until such time as the Trustee shall appoint
a successor Servicer pursuant to Section 8.05, and, without limitation, the
Trustee is hereby authorized and empowered to execute and deliver, on behalf of
the 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 of the Mortgage Loans and related
documents, or otherwise, including, without limitation, the recordation of the
assignments of the Mortgage Loans to it. The Servicer agrees to cooperate with
the Trustee in effecting the termination of the responsibilities and rights of
the Servicer hereunder, including, without limitation, the transfer to the
Trustee for the administration by it of all cash amounts that have been
deposited by the Servicer in the Servicer Custodial Account or thereafter
received by the Servicer with respect to the Mortgage Loans. Upon obtaining
notice or knowledge of the occurrence of any Event of Default, the Person
obtaining such notice or knowledge shall give prompt written notice thereof to
Certificateholders at their respective addresses appearing in the Certificate
Register and to each Rating Agency. All costs and expenses (including attorneys'
fees) incurred in connection with transferring the Mortgage Files to the
successor Servicer and amending this Agreement to reflect such succession as
Servicer pursuant to this Section 8.01 shall be paid by the predecessor
Servicer. Notwithstanding the termination of the Servicer pursuant hereto, the
Servicer shall remain liable for any causes of action arising out of any Event
of Default occurring prior to such termination.
Section 8.02 Remedies of Trustee. During the continuance of any
Event of Default, so long as such Event of Default shall not have been remedied,
the Trustee, in addition to the rights specified in Section 8.01, shall have the
right, in its own name as trustee of an express trust, to take all actions now
or hereafter existing at law, in equity or by statute to enforce its rights and
remedies and to protect the interests, and enforce the rights and remedies, of
the Certificateholders (including the institution and prosecution of all
judicial, administrative and other proceedings and the filing of proofs of claim
and debt in connection therewith). Except as otherwise expressly provided in
this Agreement, no remedy provided for by this Agreement shall be exclusive of
any other remedy, and each and every remedy shall be cumulative and in addition
to any other remedy and no delay or omission to exercise any right or remedy
shall impair any such right or remedy or shall be deemed to be a waiver of any
Event of Default.
Section 8.03 Directions by Certificateholders and Duties of Trustee
During Event of Default. During the continuance of any Event of Default, Holders
of Certificates evidencing Voting Rights aggregating not less than 25% of each
Class of Certificates affected thereby may direct 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; provided,
however, that the Trustee shall be under no obligation to pursue any such
remedy, or to exercise any of the trusts or powers vested in it by this
Agreement (including, without limitation, (a) the conducting or defending of any
administrative action or litigation hereunder or in relation hereto, and (b) the
terminating of the Servicer or any successor Servicer from its rights and duties
as servicer hereunder) at the request, order or direction of any of the
Certificateholders, 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 and, provided further,
that, subject to the provisions of Section 9.01, the Trustee shall have the
right to decline to follow any such direction if the Trustee, based upon an
Opinion of Counsel, determines that the action or proceeding so directed may not
lawfully be taken or if the Trustee in good faith determines that the action or
proceeding so directed would involve it in personal liability or be unjustly
prejudicial to the non-assenting Certificateholders.
Section 8.04 Action upon Certain Failures of the Servicer and upon
Event of Default. In the event that the Trustee shall have actual knowledge of
any failure of the Servicer specified in Section 8.01(a) or (b) which would
become an Event of Default upon the Servicer's failure to remedy the same after
notice, the Trustee shall give notice thereof to the Servicer. If the Trustee
shall have knowledge of an Event of Default, the Trustee shall give prompt
written notice thereof to the Certificateholders.
Section 8.05 Trustee to Act; Appointment of Successor.
(a) On and after the time the Servicer receives a notice of
termination pursuant to Section 8.01, the Trustee shall be the successor in all
respects to the 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
Servicer by the terms and provisions hereof or shall appoint a successor
pursuant to Section 3.07. Notwithstanding anything provided herein to the
contrary, under no circumstances shall any provision of this Agreement be
construed to require the Trustee, acting in its capacity as successor to the
Servicer in its obligation to make Advances, to advance, expend or risk its own
funds or otherwise incur any financial liability in the performance of its
duties hereunder if it shall have reasonable grounds for believing that such
funds are non-recoverable. Subject to Section 8.05(b), as compensation therefor,
the Trustee shall be entitled to such compensation as the terminated Servicer
would have been entitled to hereunder if no such notice of termination had been
given. Notwithstanding the above, the Trustee may, if it shall be unwilling so
to act, or shall, if it is legally unable so to act, appoint, or petition a
court of competent jurisdiction to appoint, any established housing and home
finance institution having a net worth of not less than $10,000,000 as the
successor to the terminated Servicer hereunder in the assumption of all or any
part of the responsibilities, duties or liabilities of the Servicer hereunder;
provided, however, that any such institution appointed as successor Servicer
shall not, as evidenced in writing by each Rating Agency, adversely affect the
then current rating of any Class of Certificates immediately prior to the
termination of the terminated Servicer. The appointment of a successor Servicer
shall not affect any liability of the predecessor Servicer which may have arisen
under this Agreement prior to its termination as Servicer, nor shall any
successor Servicer be liable for any acts or omissions of the predecessor
Servicer or for any breach by the Servicer of any of its representations or
warranties contained herein or in any related document or agreement. Pending
appointment of a successor to the terminated Servicer hereunder, unless the
Trustee is prohibited by law from so acting, the Trustee shall act in such
capacity as provided above. The Trustee and such successor shall take such
action, consistent with this Agreement, as shall be necessary to effectuate any
such succession.
(b) In connection with the appointment of a successor Servicer or
the assumption of the duties of the Servicer, as specified in Section 8.05(a),
the Trustee may make such arrangements for the compensation of such successor
out of payments on Mortgage Loans serviced by the predecessor Servicer as it and
such successor shall agree; provided, however, that any Person assuming the
duties of the Servicer shall pay to such predecessor an amount equal to the
market value of the portion of the Servicing Fee that will accrue in the future
due to the Servicing Fee Rate exceeding 0.25% per annum with respect to any
Mortgage Loan. The "market value" of such portion of the Servicing Fee shall be
determined by Bank of America, N.A., on the basis of at least two quotations
from third parties actively engaged in the servicing of single-family mortgage
loans. If the successor Servicer does not agree that such market value is a fair
price, such successor shall obtain two quotations of market value from third
parties actively engaged in the servicing of single-family mortgage loans. The
market value of the excess portion of the Servicing Fee will then be equal to
the average of (i) the lowest figure obtained by Bank of America, N.A., and (ii)
the highest figure obtained by the successor Servicer. Payment of the amount
calculated above shall be made to Bank of America, N.A., by the successor
Servicer no later than the last Business Day of the month in which such
successor Servicer becomes entitled to receive the Servicing Fee under this
Agreement. In no event will any portion of the Trust Estate be used to pay
amounts due to Bank of America, N.A. under this Section 8.05(b).
(c) Any successor, including the Trustee, to the Servicer as
servicer shall during the term of its service as servicer maintain in force (i)
a policy or policies of insurance covering errors and omissions in the
performance of its obligations as servicer hereunder and (ii) a fidelity bond in
respect of its officers, employees and agents to the same extent as the Servicer
is so required pursuant to Section 3.03.
Section 8.06 Notification to Certificateholders. Upon any
termination or appointment of a successor to the Servicer pursuant to this
Article VIII, the Trustee shall give prompt written notice thereof to
Certificateholders at their respective addresses appearing in the Certificate
Register and to each Rating Agency.
ARTICLE IX
THE TRUSTEE
Section 9.01 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 of which a
Responsible Officer of the Trustee shall have actual knowledge (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 reasonably prudent investor would exercise or use under the
circumstances in the conduct of such investor's own affairs.
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.
(b) No provision of this Agreement shall be construed to relieve the
Trustee from liability for its own grossly negligent action, its own grossly
negligent failure to act or its own willful misfeasance; 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 Depositor or the Servicer and which on
their face, do not contradict the requirements of this Agreement;
(ii) The Trustee (in its individual capacity) 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 grossly negligent in ascertaining the
pertinent facts;
(iii) The Trustee (in its individual capacity) 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 as provided in Section 8.03;
(iv) The Trustee shall not be charged with knowledge of any default
(other than a default in payment to the Trustee) specified in clauses (a)
and (b) of Section 8.01 or an Event of Default under clauses (c), (d) and
(e) of Section 8.01 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 any officer of the Trustee receives written
notice of such failure or event at its Corporate Trust Office from the
Servicer, the Depositor or any Certificateholder; and
(v) Except to the extent provided in Section 8.05, no provision in
this Agreement shall require the Trustee to expend or risk its own funds
(including, without limitation, the making of any Advance as successor
Servicer) 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.
Section 9.02 Certain Matters Affecting the Trustee.
Except as otherwise provided in Section 9.01:
(i) The Trustee may request and rely upon and shall be protected in
acting or refraining from acting upon any resolution, Officer's
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;
(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 waiving 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 or Certificate or 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 or payment of such estimated expenses as a condition to so
proceeding; and
(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.
Section 9.03 Trustee Not Liable for Certificates or Mortgage Loans.
The recitals contained herein and in the Certificates (other than the execution
of, and the counter-signature on the Certificates) shall be taken as the
statements of the Depositor or Servicer, as applicable, 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 or any
Mortgage Loans save that the Trustee represents that, assuming due execution and
delivery by the other parties hereto, this Agreement has been duly authorized,
executed and delivered by it and constitutes its legal, valid and binding
obligation, enforceable against it in accordance with its terms, subject, as to
enforcement of remedies, to applicable insolvency, receivership, moratorium and
other laws affecting the rights of creditors generally, and to general
principles of equity and the discretion of the court (regardless of whether
enforcement of such remedies is considered in a proceeding in equity or at law).
The Trustee shall not be accountable for the use or application by the Depositor
of funds paid to the Depositor in consideration of the assignment of the
Mortgage Loans hereunder by the Depositor, or for the use or application of any
funds paid to Subservicers or the Servicer in respect of the Mortgage Loans or
deposited into the Servicer Custodial Account, or any other account hereunder
(other than the Certificate Account) by the Servicer.
The Trustee shall at no time have any responsibility or liability
for or with respect to the legality, validity and enforceability of any Mortgage
or any Mortgage Loan, or the perfection and priority of any Mortgage or the
maintenance of any such perfection and priority or for or with respect to the
sufficiency of the Trust or its ability to generate the payments to be
distributed to Certificateholders under this Agreement, including, without
limitation: the existence, condition and ownership of any Mortgaged Property;
the existence and enforceability of any hazard insurance thereon (other than if
the Trustee shall assume the duties of the Servicer pursuant to Section 8.05 and
thereupon only for the acts or omissions of the successor Servicer); the
validity of the assignment of any Mortgage Loan to the Trustee or of any
intervening assignment; the completeness of any Mortgage Loan; the performance
or enforcement of any Mortgage Loan (other than if the Trustee shall assume the
duties of the Servicer pursuant to Section 8.05 and thereupon only for the acts
or omissions of the Trustee as successor Servicer); the compliance by the
Depositor or the Servicer with any warranty or representation made under this
Agreement or in any related document or the accuracy of any such warranty or
representation; any investment of monies by or at the direction of the Servicer
or any loss resulting therefrom, it being understood that the Trustee shall
remain responsible for any Trust property that it may hold in its individual
capacity; the acts or omissions of any of the Depositor, the Servicer (other
than if the Trustee shall assume the duties of the Servicer pursuant to Section
8.05 and thereupon only for the acts or omissions of the Trustee as successor
Servicer), any Subservicer or any Mortgagor; any action of the Servicer (other
than if the Trustee shall assume the duties of the Servicer pursuant to Section
8.05 and thereupon only for the acts or omissions of the Trustee as successor
Servicer) or any Subservicer taken in the name of the Trustee; the failure of
the Servicer or any Subservicer to act or perform any duties required of it as
agent of the Trustee hereunder; or any action by the Trustee taken at the
instruction of the Servicer (other than if the Trustee shall assume the duties
of the Servicer pursuant to Section 8.05 and thereupon only for the acts or
omissions of the Trustee as successor Servicer); provided, however, that the
foregoing shall not relieve the Trustee of its obligation to perform its duties
under this Agreement, including, without limitation, the Trustee's review of the
Mortgage Files pursuant to Section 2.02. The Trustee shall file any financing or
continuation statement in any public office at any time required to maintain the
perfection of any security interest or lien granted to it hereunder.
Section 9.04 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 and may otherwise deal
with the Servicer, any Subservicer or any of their respective affiliates with
the same right it would have if it were not the Trustee.
Section 9.05 Eligibility Requirements for Trustee. The Trustee
hereunder shall at all times be (a) an institution the deposits of which are
fully insured by the FDIC and (b) a corporation or banking association organized
and doing business under the laws of the United States of America or of any
State, authorized under such laws to exercise corporate trust powers, having a
combined capital and surplus of not less than $50,000,000 and subject to
supervision or examination by Federal or State authority and (c) with respect to
every successor trustee hereunder either an institution (i) the long-term
unsecured debt obligations of which are rated at xxxxx "X0" by Xxxxx'x and "A"
by Fitch or (ii) whose serving as Trustee hereunder would not result in the
lowering of the ratings originally assigned to any Class of Certificates. The
Trustee shall not be an affiliate of the Depositor or the Servicer. If such
corporation or 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 9.05, the combined
capital and surplus of such corporation or banking association 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 provision of this Section 9.05, the Trustee
shall resign immediately in the manner and with the effect specified in Section
9.06.
Section 9.06 Resignation and Removal of Trustee. The Trustee may at
any time resign and be discharged from the trust hereby created by giving
written notice thereof to the Servicer and mailing a copy of such notice to all
Holders of record. The Trustee shall also mail a copy of such notice of
resignation to each Rating Agency. Upon receiving such notice of resignation,
the Servicer shall use their best efforts to promptly appoint a mutually
acceptable 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 successor Trustee shall have been so appointed and
shall 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.
If at any time the Trustee shall cease to be eligible in accordance
with the provisions of Section 9.05 and shall fail to resign after written
request therefor by the Servicer, or if at any time the Trustee shall become
incapable of acting, or shall be adjudged a 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 Servicer
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.
The Holders of Certificates evidencing not less than 50% of the
Voting Rights may at any time remove the Trustee by written instrument or
instruments delivered to the Servicer and the Trustee; the Servicer shall
thereupon use their best efforts to appoint a mutually acceptable successor
Trustee in accordance with this Section 9.06.
Any resignation or removal of the Trustee and appointment of a
successor Trustee pursuant to any of the provisions of this Section 9.06 shall
become effective upon acceptance of appointment by the successor Trustee as
provided in Section 9.07.
Section 9.07 Successor Trustee. Any successor Trustee appointed as
provided in Section 9.06 shall execute, acknowledge and deliver to the Servicer
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, without any further act, deed
or conveyance, shall become fully vested with all the rights, powers, duties and
obligations of its predecessor hereunder, with like effect as if originally
named as Trustee herein. The predecessor Trustee shall duly assign, transfer,
deliver and pay over to the successor Trustee the whole of the Mortgage Files
and related documents and statements held by it hereunder, together with all
instruments of transfer and assignment or other documents properly executed as
may be reasonably required to effect such transfer and such of the records or
copies thereof maintained by the predecessor Trustee in the administration
hereof as may be reasonably requested by the successor Trustee and shall
thereupon be discharged from all duties and responsibilities under this
Agreement; provided, however, that if the predecessor Trustee has been
terminated pursuant to the third paragraph of Section 9.06, all reasonable
expenses of the predecessor Trustee incurred in complying with this Section 9.07
shall be reimbursed by the Trust.
No successor Trustee shall accept appointment as provided in this
Section 9.07 unless at the time of such appointment such successor Trustee shall
be eligible under the provisions of Section 9.05.
Upon acceptance of appointment by a successor Trustee as provided in
this Section 9.07, the Servicer shall cooperate to mail notice of the succession
of such Trustee hereunder to all Holders of Certificates at their addresses as
shown in the Certificate Register and to each Rating Agency. If the Servicer
fail to mail such notice within ten days after acceptance of appointment by the
successor Trustee, the successor Trustee shall cause such notice to be mailed at
the expense of the Servicer.
Section 9.08 Merger or Consolidation of Trustee. Any corporation or
banking association into which the Trustee may be merged or converted or with
which it may be consolidated, or any corporation or banking association
resulting from any merger, conversion or consolidation to which the Trustee
shall be a party, or any corporation or banking association succeeding to all or
substantially all of the corporate trust business of the Trustee, shall be the
successor of the Trustee hereunder, if such corporation or banking association
is eligible under the provisions of Section 9.05, 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.
Section 9.09 Appointment of Co-Trustee or Separate Trustee.
Notwithstanding any of the provisions hereof, at any time, for the purpose of
meeting any legal requirements of any jurisdiction in which any Mortgaged
Property may at the time be located or for any other reason, the 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 as
co-trustee or separate trustee of all or any part of the Trust Estate, and to
vest in such Person or Persons, in such capacity, such title to the Trust
Estate, or any part thereof, and, subject to the other provision of this Section
9.09, such powers, duties, obligations, rights and trusts as the Servicer and
the Trustee may consider necessary or desirable. If the Servicer shall not have
joined in such appointment within ten days after the receipt by it of a request
to do so, 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 9.05 and no notice to Holders
of Certificates of the appointment of co-trustee(s) or separate trustee(s) shall
be required under Section 9.07.
In the case of any appointment of a co-trustee or separate trustee
pursuant to this Section 9.09, 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 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 Estate 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. No
trustee hereunder shall be held personally liable by reason of any act or
omission of any other trustee hereunder; provided, however, that no appointment
of a co-trustee or separate trustee hereunder shall relieve the Trustee of its
obligations hereunder.
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 IX. 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.
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 become incapable of acting, resign or be removed, or shall be adjudged a
bankrupt or insolvent, or a receiver of its property shall be appointed, or any
public officer shall take charge or control of such trustee or co-trustee or of
its property or affairs for the purpose of rehabilitation, conservation or
liquidation, 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 9.10 Authenticating Agents. The Trustee may appoint one or
more authenticating agents ("Authenticating Agents") which shall be authorized
to act on behalf of the Trustee in authenticating or countersigning
Certificates. Initially, the Authenticating Agent shall be The Bank of New York.
Wherever reference is made in this Agreement to the authentication or
countersigning of Certificates by the Trustee or the Trustee's certificate of
authentication or countersigning, such reference shall be deemed to include
authentication or countersigning on behalf of the Trustee by an Authenticating
Agent and a certificate of authentication or countersignature executed on behalf
of the Trustee by an Authenticating Agent. Each Authenticating Agent must be
acceptable to the Servicer and must be a corporation or banking association
organized and doing business under the laws of the United States of America or
of any State, having a principal office and place of business in New York, New
York, having a combined capital and surplus of at least $15,000,000, authorized
under such laws to do a trust business and subject to supervision or examination
by Federal or State authorities.
Any corporation or banking association into which any Authenticating
Agent may be merged or converted or with which it may be consolidated, or any
corporation or banking association resulting from any merger, conversion or
consolidation to which any Authenticating Agent shall be a party, or any
corporation or banking association succeeding to the corporate agency business
of any Authenticating Agent, shall continue to be the Authenticating Agent
without the execution or filing of any paper or any further act on the part of
the Trustee or the Authenticating Agent.
Any Authenticating Agent may at any time resign by giving written
notice of resignation to the Trustee and to the Servicer. The Trustee may at any
time terminate the agency of any Authenticating Agent by giving written notice
of termination to such Authenticating Agent and to the Servicer. Upon receiving
a notice of resignation or upon such a termination, or in case, at any time any
Authenticating Agent shall cease to be eligible in accordance with the
provisions of this Section 9.10, the Trustee may appoint a successor
Authenticating Agent, shall give written notice of such appointment to the
Servicer and shall mail notice of such appointment to all Certificateholders.
Any successor Authenticating Agent upon acceptance of its appointment hereunder
shall become vested with all the rights, powers, duties and responsibilities of
its predecessor hereunder, with like effect as if originally named as
Authenticating Agent.
Section 9.11 Trustee's Fees and Expenses. The Trustee, as
compensation for its activities hereunder, shall be entitled to receive on each
Distribution Date an amount equal to the Trustee Fee for such Distribution Date
pursuant to Section 5.02(a). The Trustee and any director, officer, employee or
agent of the Trustee shall be indemnified by the Trust and held harmless against
any loss, liability or expense (including reasonable attorney's fees) (a)
incurred in connection with any claim or legal action relating to (i) this
Agreement, (ii) the Certificates, or (iii) the performance of any of the
Trustee's duties hereunder, other than any loss, liability or expense incurred
by reason of willful misfeasance, bad faith or gross negligence in the
performance of any of the Trustee's duties hereunder, (b) resulting from any tax
or information return which was prepared by, or should have been prepared by,
the Servicer and (c) arising out of the transfer of any Private Certificate not
in compliance with ERISA. Such indemnity shall survive the termination of this
Agreement or the resignation or removal of the Trustee hereunder. Without
limiting the foregoing, except as otherwise agreed upon in writing by the
Depositor and the Trustee, and except for any such expense, disbursement or
advance as may arise from the Trustee's gross negligence, bad faith or willful
misconduct, the Trust shall reimburse the Trustee for all reasonable expenses,
disbursements and advances incurred or made by the Trustee in accordance with
any of the provisions of this Agreement to the extent permitted by Treasury
Regulations Section 1.860G-1(b)(3)(ii) and (iii); provided, however, that the
Depositor and the Trustee intend to enter into a separate agreement for
custody-related services. Except as otherwise provided herein, the Trustee shall
not be entitled to payment or reimbursement for any routine ongoing expenses
incurred by the Trustee in the ordinary course of its duties as Trustee,
Certificate Registrar or Paying Agent hereunder or for any other expenses.
Section 9.12 Appointment of Custodian. The Trustee may at any time
on or after the Closing Date, with the consent of the Depositor and the
Servicer, appoint one or more Custodians to hold all or a portion of the
Mortgage Files as agent for the Trustee, by entering into a custodial agreement
in a form acceptable to the Depositor and the Servicer. Subject to this Article
IX, 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 $10,000,000 and shall be qualified to
do business in the jurisdiction in which it holds any Mortgage File.
Section 9.13 Paying Agents. The Trustee may appoint one or more
Paying Agents (each, a "Paying Agent") which shall be authorized to act on
behalf of the Trustee in making withdrawals from the Certificate Account and
distributions to Certificateholders as provided in Section 3.08 and Section
5.02. Wherever reference is made in this Agreement to the withdrawal from the
Certificate Account by the Trustee, such reference shall be deemed to include
such a withdrawal on behalf of the Trustee by a Paying Agent. Initially, the
Paying Agent shall be The Bank of New York. Whenever reference is made in this
Agreement to a distribution by the Trustee or the furnishing of a statement to
Certificateholders by the Trustee, such reference shall be deemed to include
such a distribution or furnishing on behalf of the Trustee by a Paying Agent.
Each Paying Agent shall provide to the Trustee such information concerning the
Certificate Account as the Trustee shall request from time to time. Each Paying
Agent must be reasonably acceptable to the Servicer and must be a corporation or
banking association organized and doing business under the laws of the United
States of America or of any state, having (except in the case of the Trustee) a
principal office and place of business in New York, New York, having a combined
capital and surplus of at least $15,000,000, authorized under such laws to do a
trust business and subject to supervision or examination by federal or state
authorities.
Any corporation into which any Paying Agent may be merged or
converted or with which it may be consolidated, or any corporation resulting
from any merger, conversion or consolidation to which any Paying Agent shall be
a party, or any corporation succeeding to the corporate agency business of any
Paying Agent, shall continue to be the Paying Agent provided that such
corporation after the consummation of such merger, conversion, consolidation or
succession meets the eligibility requirements of this Section 9.13.
Any Paying Agent may at any time resign by giving written notice of
resignation to the Trustee and to the Servicer; provided that the Paying Agent
has returned to the Certificate Account or otherwise accounted, to the
reasonable satisfaction of the Trustee, for all amounts it has withdrawn from
the Certificate Account. The Trustee may, upon prior written approval of the
Servicer, at any time terminate the agency of any Paying Agent by giving written
notice of termination to such Paying Agent and to the Servicer. Upon receiving a
notice of resignation or upon such a termination, or in case at any time any
Paying Agent shall cease to be eligible in accordance with the provisions of the
first paragraph of this Section 9.13, the Trustee may appoint, upon prior
written approval of the Servicer, a successor Paying Agent, shall give written
notice of such appointment to the Servicer and shall mail notice of such
appointment to all Certificateholders. Any successor Paying Agent upon
acceptance of its appointment hereunder shall become vested with all rights,
powers, duties and responsibilities of its predecessor hereunder, with like
effect as if originally named as Paying Agent. The Trustee shall remain liable
for any duties and obligations assumed by its appointed Paying Agent.
Section 9.14 Limitation of Liability. The Certificates are executed
by the Trustee, not in its individual capacity but solely as Trustee of the
Trust, in the exercise of the powers and authority conferred and vested in it by
this Agreement. Each of the undertakings and agreements made on the part of the
Trustee in the Certificates is made and intended not as a personal undertaking
or agreement by the Trustee but is made and intended for the purpose of binding
only the Trust.
Section 9.15 Trustee May Enforce Claims Without Possession of
Certificates. All rights of action and claims under this Agreement or the
Certificates may be prosecuted and enforced by the Trustee without the
possession of any of the Certificates or the production thereof in any
proceeding relating thereto, and such preceding instituted by the Trustee shall
be brought in its own name or in its capacity as Trustee. Any recovery of
judgment shall, after provision for the payment of the reasonable compensation,
expenses, disbursement and advances of the Trustee, its agents and counsel, be
for the ratable benefit of the Certificateholders in respect of which such
judgment has been recovered.
Section 9.16 Suits for Enforcement. In case an Event of Default or
other default by the Servicer or the Depositor hereunder shall occur and be
continuing, the Trustee, in its discretion, may proceed to protect and enforce
its rights and the rights of the Holders of Certificates under this Agreement by
a suit, action or proceeding in equity or at law or otherwise, whether for the
specific performance of any covenant or agreement contained in this Agreement or
in aid of the execution of any power granted in this Agreement or for the
enforcement of any other legal, equitable or other remedy, as the Trustee, being
advised by counsel, shall deem most effectual to protect and enforce any of the
rights of the Trustee and the Certificateholders.
Section 9.17 Waiver of Bond Requirement. The Trustee shall be
relieved of, and each Certificateholder hereby waives, any requirement of any
jurisdiction in which the Trust, or any part thereof, may be located that the
Trustee post a bond or other surety with any court, agency or body whatsoever.
Section 9.18 Waiver of Inventory, Accounting and Appraisal
Requirement. The Trustee shall be relieved of, and each Certificateholder hereby
waives, any requirement of any jurisdiction in which the Trust, or any part
thereof, may be located that the Trustee file any inventory, accounting or
appraisal of the Trust with any court, agency or body at any time or in any
manner whatsoever.
ARTICLE X
TERMINATION
Section 10.01 Termination upon Purchase by the Depositor or
Liquidation of All Mortgage Loans. Subject to Section 10.02, the respective
obligations and responsibilities of the Depositor, the Servicer and the Trustee
created hereby (other than the obligation of Trustee to make certain payments to
Certificateholders after the Final Distribution Date and to send certain notices
as hereinafter set forth and the obligations of the Trustee pursuant to Sections
5.04(b) and 5.05(b)) shall terminate upon the last action required to be taken
by the Trustee on the Final Distribution Date pursuant to this Article X
following the earlier of (a) the purchase by the Depositor of all Mortgage Loans
and all REO Property remaining in the Trust Estate at a price equal to the sum
of (i) 100% of the Stated Principal Balance of each Mortgage Loan (other than
any Mortgage Loan as to which REO Property has been acquired and whose fair
market value is included pursuant to clause (ii) below) and (ii) the fair market
value of such REO Property (as determined by the Depositor as of the close of
business on the third Business Day next preceding the date upon which notice of
any such termination is furnished to Certificateholders pursuant to the third
paragraph of this Article X), plus any Class Unpaid Interest Shortfall for any
Class of Certificates as well as one month's interest at the related Mortgage
Rate on the Stated Principal Balance of each Mortgage Loan (including any
Mortgage Loan as to which REO Property has been acquired) or (b) the final
payment or other liquidation (or any advance with respect thereto) of the last
Mortgage Loan remaining in the Trust Estate or the disposition of all REO
Property; 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 Xxxxxx X. Xxxxxxx, the late ambassador of the United
States to the Court of St. Xxxxx, living on the date hereof.
The right of the Depositor to repurchase all Mortgage Loans pursuant
to (a) above is conditioned upon the Pool Stated Principal Balance as of the
Final Distribution Date being less than 10% of the Cut-Off Date Pool Principal
Balance. If such right is exercised, the Trustee shall, promptly following
payment of the purchase price, release to the Depositor or its designee the
Mortgage Files pertaining to the Mortgage Loans being purchased.
Notice of any termination, specifying the 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 for
payment of the final distribution and for cancellation, shall be given promptly
by the Depositor (if exercising its right to purchase the assets of the Trust)
or by the Trustee (in any other case) by letter to 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 (1) the Final
Distribution Date upon which final payment of the Certificates will be made upon
presentation and surrender of Certificates at the office or agency of the
Trustee therein designated, (2) the amount of any such final payment and (3)
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 the
Depositor is obligated to give notice to Certificateholders as aforesaid, it
shall give such notice to the Trustee and the Certificate Registrar at the time
such notice is given to Certificateholders. In the event such notice is given by
the Depositor, the Depositor shall deposit in the Certificate Account on or
before the Final Distribution Date in immediately available funds an amount
equal to the amount necessary to make the amount, if any, on deposit in the
Certificate Account on the Final Distribution Date equal to the purchase price
for the related assets of the Trust computed as above provided together with a
statement as to the amount to be distributed on each Class of Certificates
pursuant to the next succeeding paragraph.
Upon presentation and surrender of the Certificates, the Trustee
shall cause to be distributed to Certificateholders of each Class, in the order
set forth in Section 5.02 hereof, on the final Distribution Date and in
proportion to their respective Percentage Interests, with respect to
Certificateholders of the same Class, an amount equal to (I) as to each Class of
Certificates, the Class Certificate Balance thereof plus (a) accrued interest
thereon in the case of an interest bearing Certificate and (b) the Class A-PO
Deferred Amount with respect to the Class A-PO Certificates, and (II) as to the
Class A-R and A-LR Certificates, the amounts, if any, which remain on deposit in
the Upper-Tier Certificate Account and the Certificate Account, respectively
(other than the amounts retained to meet claims) after application pursuant to
clause (I) above. An amount shall be distributed in respect of interest and
principal to the Uncertificated Lower-Tier Interests in the same amounts as
distributed to their Corresponding Upper-Tier Class or Classes.
If all of the Certificateholders do not surrender their Certificates
for final payment and cancellation on or before the Final Distribution Date, the
Trustee shall on such date cause all funds in the Certificate Account not
distributed in final distribution to Certificateholders to continue to be held
by the Trustee in an Eligible Account for the benefit of such Certificateholders
and the Depositor (if it exercised its right to purchase the assets of the Trust
Estate) 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
one year after the second notice all the Certificates shall not have been
surrendered for cancellation, the Trustee may take appropriate steps, or may
appoint an agent to take appropriate steps, to contact the remaining
Certificateholders concerning surrender of their Certificates, and the cost
thereof shall be paid out of the funds on deposit in such Eligible Account.
Section 10.02 Additional Termination Requirements.
(a) If the Depositor exercises its purchase option as provided in
Section 10.01, the Trust shall be terminated in accordance with the following
additional requirements, unless the Trustee has received an Opinion of Counsel
to the effect that the failure of the Trust to comply with the requirements of
this Section 10.02 will not (i) result in the imposition of taxes on "prohibited
transactions" of the Trust as defined in Section 860F of the Code, or (ii) cause
the Trust Estate to fail to qualify as two separate REMICs at any time that any
Certificates are outstanding:
(i) within 90 days prior to the Final Distribution Date set forth in
the notice given by the Depositor under Section 10.01, the Trustee shall
sell all of the assets of the Trust Estate to the Depositor for cash; and
(ii) the notice given by the Depositor or the Trustee pursuant to
Section 10.01 shall provide that such notice constitutes the adopting of a
plan of complete liquidation of the Upper-Tier REMIC and the Lower-Tier
REMIC as of the date of such notice (or, if earlier, the date on which
such notice was mailed to Certificateholders). The Trustee shall also
specify such date in the final tax return of the Upper-Tier REMIC and the
Lower-Tier REMIC.
(b) By their acceptance of the Residual Certificates, the Holders
thereof hereby agree to take such other action in connection with such plan of
complete liquidation as may be reasonably requested by the Depositor.
ARTICLE XI
MISCELLANEOUS PROVISIONS
Section 11.01 Amendment. This Agreement may be amended from time to
time by the Depositor, the Servicer and the Trustee without the consent of any
of the Certificateholders, (i) to cure any ambiguity or mistake, (ii) to correct
or supplement any provisions herein or therein which may be inconsistent with
any other provisions of this Agreement, any amendment to this Agreement or the
related Prospectus Supplement, (iii) to modify, eliminate or add to any of its
provisions to such extent as shall be necessary to maintain the qualification of
the Upper-Tier REMIC and the Lower-Tier REMIC as REMICs at all times that any
Certificates are outstanding or to avoid or minimize the risk of the imposition
of any tax on either REMIC pursuant to the Code that would be a claim against
the Trust Estate, provided that (a) the Trustee has received an Opinion of
Counsel to the effect that 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 shall not, as evidenced by such Opinion of Counsel,
adversely affect in any material respect the interests of any Certificateholder,
(iv) to change the timing and/or nature of deposits into the Certificate Account
provided that (a) such change shall not, as evidenced by an Opinion of Counsel,
adversely affect in any material respect the interests of any Certificateholder
and (b) such change shall not adversely affect the then-current rating of the
Senior Certificates, the Class B-1 Certificates, the Class B-2 Certificates, the
Class B-3 Certificates, the Class B-4 Certificates or the Class B-5 Certificates
as evidenced by a letter from each Rating Agency rating such Certificates to
such effect and (v) to make any other provisions with respect to matters or
questions arising under this 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 Counsel, adversely affect in any
material respect the interests of any Certificateholder, provided that the
amendment shall not be deemed to adversely affect in any material respect the
interests of the Certificateholders and no Opinion of Counsel to that effect
shall be required if the Person requesting the amendment obtains a letter from
each Rating Agency stating that the amendment would not result in the
downgrading or withdrawal of the respective ratings then assigned to the
Certificates.
This Agreement may also be amended from time to time by the
Depositor, the Servicer and the Trustee, with the consent of the Holders of
Certificates of each Class of Certificates which is affected by such amendment,
evidencing, as to each such Class of Certificates, Percentage Interests
aggregating not less than 66-2/3%, for the purpose of adding any provisions to
or changing in any manner or eliminating any of the provisions of this Agreement
or of modifying in any manner the rights of the Holders of such Certificates;
provided, however, that no such amendment shall (A) reduce in any manner the
amount of, or delay the timing of, collections of payments on Mortgage Loans or
distributions which are required to be made on any Certificate without the
consent of the Holder of such Certificate or (B) reduce the aforesaid percentage
required to consent to any such amendment, without the consent of the Holders of
all Certificates then Outstanding.
Prior to the solicitation of consent of Certificateholders in
connection with any such amendment, the party seeking such amendment shall
furnish the Trustee with an Opinion of Counsel stating whether such amendment
would adversely affect the qualification of the Upper-Tier REMIC or the
Lower-Tier REMIC as REMICs and notice of the conclusion expressed in such
Opinion of Counsel shall be included with any such solicitation. An amendment
made with the consent of all Certificateholders and executed in accordance with
this Section 11.01 shall be permitted or authorized by this Agreement
notwithstanding that such Opinion of Counsel may conclude that such amendment
would adversely affect the qualification of the Upper-Tier REMIC or the
Lower-Tier REMIC as REMICs.
Promptly after the execution of any such amendment or consent the
Trustee shall furnish written notification of the substance of or a copy of such
amendment to each Certificateholder and to each Rating Agency.
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 requirements as the Trustee may prescribe.
Section 11.02 Recordation of Agreement. 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
Servicer and at its expense on direction by the Trustee, who will act at the
direction of Holders of Certificates evidencing not less than 50% of all Voting
Rights, but only upon direction of the Trustee accompanied by an Opinion of
Counsel to the effect that such recordation materially and beneficially affects
the interests of Certificateholders.
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.
Section 11.03 Limitation on Rights of Certificateholders. The death
or incapacity of any Certificateholder shall not operate to terminate this
Agreement or the Trust, nor entitle such Certificateholder's legal
representatives or heirs to claim an accounting or to take any action or
commence any proceeding in any court for a partition or winding up of the Trust,
nor otherwise affect the rights, obligations and liabilities of the parties
hereto or any of them.
No Certificateholder shall have any right to vote (except as
provided herein) or in any manner otherwise control the operation and management
of the Trust, 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.
No Certificateholder shall have any right by virtue or by availing
itself of any provisions 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 provided herein, and unless also
the Holders of Certificates evidencing Percentage Interests aggregating not less
than 25% of each Class of Certificates affected thereby 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
shall have any right in any manner whatever by virtue or by availing itself or
themselves of any provisions of this Agreement to affect, disturb or prejudice
the rights of the Holders of any other of the Certificates, 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
equal, ratable and common benefit of all Certificateholders. 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 SHALL BE CONSTRUED IN
ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, WITHOUT APPLICATION OF THE
CONFLICTS OF LAWS PROVISIONS THEREOF, AND THE OBLIGATIONS, RIGHTS AND REMEDIES
OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS.
Section 11.05 Notices. All demands, notices, instructions,
directions, requests and communications required to be delivered hereunder shall
be in writing and shall be deemed to have been duly given if personally
delivered at or mailed by certified mail, return receipt requested, (provided,
however, that notices to the Trustee may be delivered by facsimile and shall be
deemed effective upon receipt ) to (a) in the case of the Depositor, Bank of
America Mortgage Securities, Inc., 000 Xxxxx Xxxxx Xxxxxx, Xxxxxxxxx, Xxxxx
Xxxxxxxx 00000, Attention: General Counsel and Chief Financial Officer, (b) in
the case of the Servicer, Bank of America, N.A., 0000 Xxxxx Xxxxxx Xxxx,
Xxxxxxxx, Xxxxxxxx 00000, Attention: Servicing Manager, with a copy to: Bank of
America, N.A. 000 Xxxxx Xxxxx Xxxxxx, Xxxxxxxxx, Xxxxx Xxxxxxxx, 00000,
Attention: General Counsel and Chief Financial Officer, (c) in the case of the
Trustee, 000 Xxxxxxx Xxxxxx - 00X, Xxx Xxxx, Xxx Xxxx 00000, Attention:
Corporate Trust - MBS Group (Fax: (000) 000-0000), (d) in the case of Moody's,
Xxxxx'x Investors Service, Inc., 00 Xxxxxx Xxxxxx, Xxx Xxxx, Xxx Xxxx 00000,
Attn: Residential Mortgage Monitoring Group, and (e) in the case of Fitch,
Fitch, Inc., Xxx Xxxxx Xxxxxx Xxxxx, Xxx Xxxx, Xxx Xxxx 00000, Attn: Residential
Mortgage Surveillance Group; or, as to each party, at such other address as
shall be designated by such party in a written notice to each other party. 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 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 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 11.07 Certificates Nonassessable and Fully Paid. It is the
intention of the Trustee that Certificateholders shall not be personally liable
for obligations of the Trust Estate, that the beneficial ownership interests
represented by the Certificates shall be nonassessable for any losses or
expenses of the Trust Estate or for any reason whatsoever, and that Certificates
upon execution, countersignature and delivery thereof by the Trustee pursuant to
Section 6.01 are and shall be deemed fully paid.
Section 11.08 Access to List of Certificateholders. The Certificate
Registrar will furnish or cause to be furnished to the Trustee, within 15 days
after the receipt of a request by the Trustee in writing, a list, in such form
as the Trustee may reasonably require, of the names and addresses of the
Certificateholders as of the most recent Record Date for payment of
distributions to Certificateholders.
If three or more Certificateholders apply in writing to the Trustee,
and such application states that the applicants desire to communicate with other
Certificateholders with respect to their rights under this Agreement or under
the Certificates and is accompanied by a copy of the communication which such
applicants propose to transmit, then the Trustee shall, within five Business
Days after the receipt of such application, afford such applicants access during
normal business hours to the most recent list of Certificateholders held by the
Trustee. If such a list is as of a date more than 90 days prior to the date of
receipt of such applicants' request, the Trustee shall promptly request from the
Certificate Registrar a current list as provided above, and shall afford such
applicants access to such list promptly upon receipt.
Every Certificateholder, by receiving and holding such list, agrees
with the Certificate Registrar and the Trustee that neither the Certificate
Registrar nor the Trustee shall be held accountable by reason of the disclosure
of any such information as to the names and addresses of the Certificateholders
hereunder, regardless of the source from which such information was derived.
Section 11.09 Recharacterization. The parties to this Agreement
intend the conveyance by the Depositor to the Trustee of all of its right, title
and interest in and to the Mortgage Loans pursuant to this Agreement to
constitute a purchase and sale and not a loan. Notwithstanding the foregoing, to
the extent that such conveyance is held not to constitute a sale under
applicable law, it is intended that this Agreement shall constitute a security
agreement under applicable law and that the Depositor shall be deemed to have
granted to the Trustee a first priority security interest in all of the
Depositor's right, title and interest in and to the Mortgage Loans.
IN WITNESS WHEREOF, the Depositor, the Servicer and the Trustee have
caused this Agreement to be duly executed by their respective officers thereunto
duly authorized to be hereunto affixed, all as of the day and year first above
written.
BANK OF AMERICA MORTGAGE SECURITIES, INC.,
as Depositor
By:
-----------------------------------------
Name: Xxxx Xxxx
Title: Vice President
BANK OF AMERICA, N.A.,
as Servicer
By:
-----------------------------------------
Name: Xxxxxx X. XxXxxxxxx
Title: Senior Vice President
THE BANK OF NEW YORK,
as Trustee
By:
-----------------------------------------
Name:
Title:
STATE OF NEW YORK )
) ss.:
COUNTY OF NEW YORK )
On the 21st day of November, 2000, before me, a notary public in and
for the State of New York, personally appeared _________________, known to me
who, being by me duly sworn, did depose and say that s/he is a ________________
of The Bank of New York, a New York banking corporation, one of the parties that
executed the foregoing instrument; and that s/he signed his/her name thereto by
order of the Board of Directors of such corporation.
---------------------------------------
Notary Public
[Notarial Seal]
My commission expires ____________.
STATE OF NORTH CAROLINA )
) ss.:
COUNTY OF MECKLENBURG )
On the 21st day of November, 2000, before me, a notary public in and
for the State of North Carolina, personally appeared Xxxx Xxxx, known to me who,
being by me duly sworn, did depose and say that she is the Vice President of
Bank of America Mortgage Securities, Inc. a Delaware corporation, one of the
parties that executed the foregoing instrument; and that she signed her name
thereto by order of the Board of Directors of such corporation.
---------------------------------------
Notary Public
[Notarial Seal]
My commission expires ____________.
STATE OF NORTH CAROLINA )
) ss.:
COUNTY OF MECKLENBURG )
On the 21st day of November, 2000, before me, a notary public in and
for the State of North Carolina, personally appeared Xxxxxx X. XxXxxxxxx, known
to me who, being by me duly sworn, did depose and say that he is the Senior Vice
President of Bank of America, N.A., a national banking association, one of the
parties that executed the foregoing instrument; and that he signed her name
thereto by order of the Board of Directors of such corporation.
---------------------------------------
Notary Public
[Notarial Seal]
My commission expires ____________.
EXHIBIT A-1
[FORM OF FACE OF CLASS A-1 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-1
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.]
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, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-1
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $59,653,000.00
Pass-Through Rate: 7.125%
CUSIP No.: 060506 QC 9
This certifies that _____________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated November 21, 2000 (the
"Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A.,
as servicer (the "Servicer"), and The Bank of New York, as trustee (the
"Trustee"). To the extent not defined herein, the capitalized terms used herein
have the meanings assigned in the Pooling and Servicing Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT A-2
[FORM OF FACE OF CLASS A-2 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-2
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.]
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, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-2
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $21,960,000.00
Pass-Through Rate: 7.125%
CUSIP No.: 060506 QD 7
This certifies that ________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated November 21, 2000 (the
"Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A.,
as servicer (the "Servicer"), and The Bank of New York, as trustee (the
"Trustee"). To the extent not defined herein, the capitalized terms used herein
have the meanings assigned in the Pooling and Servicing Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT A-3
[FORM OF FACE OF CLASS A-3 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-3
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.]
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, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-3
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $11,000,000.00
Pass-Through Rate: 7.125%
CUSIP No.: 060506 QE 5
This certifies that ______________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated November 21, 2000 (the
"Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A.,
as servicer (the "Servicer"), and The Bank of New York, as trustee (the
"Trustee"). To the extent not defined herein, the capitalized terms used herein
have the meanings assigned in the Pooling and Servicing Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT A-4
[FORM OF FACE OF CLASS A-4 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-4
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.]
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, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-4
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $113,007,000.00
Pass-Through Rate: 7.125%
CUSIP No.: 060506 QF 2
This certifies that ______________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated November 21, 2000 (the
"Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A.,
as servicer (the "Servicer"), and The Bank of New York, as trustee (the
"Trustee"). To the extent not defined herein, the capitalized terms used herein
have the meanings assigned in the Pooling and Servicing Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT A-5
[FORM OF FACE OF CLASS A-5 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-5
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.]
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, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-5
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $1,800,000.00
Pass-Through Rate: 8.000%
CUSIP No.: 060506 QG 0
This certifies that _______________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated November 21, 2000 (the
"Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A.,
as servicer (the "Servicer"), and The Bank of New York, as trustee (the
"Trustee"). To the extent not defined herein, the capitalized terms used herein
have the meanings assigned in the Pooling and Servicing Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT A-6
[FORM OF FACE OF CLASS A-6 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-6
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.]
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, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-6
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $12,100,000.00
Pass-Through Rate: 8.000%
CUSIP No.: 060506 QH 8
This certifies that ______________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
current Certificate Balance of this Certificate by the current Class Certificate
Balance of the Class to which this Certificate belongs) in certain monthly
distributions with respect to a Trust consisting primarily of the Mortgage Loans
deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The
Trust was created pursuant to a Pooling and Servicing Agreement, dated November
21, 2000 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of
America, N.A., as servicer (the "Servicer"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT A-7
[FORM OF FACE OF CLASS A-7 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-7
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.]
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, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-7
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $8,200,000.00
Pass-Through Rate: 8.000%
CUSIP No.: 060506 QJ 4
This certifies that _______________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
current Certificate Balance of this Certificate by the current Class Certificate
Balance of the Class to which this Certificate belongs) in certain monthly
distributions with respect to a Trust consisting primarily of the Mortgage Loans
deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The
Trust was created pursuant to a Pooling and Servicing Agreement, dated November
21, 2000 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of
America, N.A., as servicer (the "Servicer"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT A-8
[FORM OF FACE OF CLASS A-8 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-8
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.]
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, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-8
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $8,265,000.00
Pass-Through Rate: 8.000%
CUSIP No.: 060506 QK 1
This certifies that _______________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
current Certificate Balance of this Certificate by the current Class Certificate
Balance of the Class to which this Certificate belongs) in certain monthly
distributions with respect to a Trust consisting primarily of the Mortgage Loans
deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The
Trust was created pursuant to a Pooling and Servicing Agreement, dated November
21, 2000 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of
America, N.A., as servicer (the "Servicer"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT A-9
[FORM OF FACE OF CLASS A-9 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-9
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.]
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, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-9
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $13,892,000.00
Pass-Through Rate: 7.500%
CUSIP No.: 060506 QL 9
This certifies that _____________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated November 21, 2000 (the
"Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A.,
as servicer (the "Servicer"), and The Bank of New York, as trustee (the
"Trustee"). To the extent not defined herein, the capitalized terms used herein
have the meanings assigned in the Pooling and Servicing Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT A-10
[FORM OF FACE OF CLASS A-10 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-10
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.]
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, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-10
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $6,288,000.00
Pass-Through Rate: 7.500%
CUSIP No.: 060506 QM 7
This certifies that ________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated November 21, 2000 (the
"Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A.,
as servicer (the "Servicer"), and The Bank of New York, as trustee (the
"Trustee"). To the extent not defined herein, the capitalized terms used herein
have the meanings assigned in the Pooling and Servicing Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT A-11
[FORM OF FACE OF CLASS A-11 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-11
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.]
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, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-11
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $4,944,000.00
Pass-Through Rate: 7.500%
CUSIP No.: 060506 QN 5
This certifies that ______________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated November 21, 2000 (the
"Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A.,
as servicer (the "Servicer"), and The Bank of New York, as trustee (the
"Trustee"). To the extent not defined herein, the capitalized terms used herein
have the meanings assigned in the Pooling and Servicing Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT A-12
[FORM OF FACE OF CLASS A-12 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-12
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.]
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, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-12
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $2,360,000.00
Pass-Through Rate: 7.500%
CUSIP No.: 060506 QP 0
This certifies that _______________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated November 21, 2000 (the
"Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A.,
as servicer (the "Servicer"), and The Bank of New York, as trustee (the
"Trustee"). To the extent not defined herein, the capitalized terms used herein
have the meanings assigned in the Pooling and Servicing Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT A-13
[FORM OF FACE OF CLASS A-13 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-13
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.]
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, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-13
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $6,476,000.00
Pass-Through Rate: 7.500%
CUSIP No.: 060506 QQ 8
This certifies that ______________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated November 21, 2000 (the
"Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A.,
as servicer (the "Servicer"), and The Bank of New York, as trustee (the
"Trustee"). To the extent not defined herein, the capitalized terms used herein
have the meanings assigned in the Pooling and Servicing Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT A-14
[FORM OF FACE OF CLASS A-14 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-14
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.]
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, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-14
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $9,662,000.00
Pass-Through Rate: 7.500%
CUSIP No.: 060506 QR 6
This certifies that _______________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
current Certificate Balance of this Certificate by the current Class Certificate
Balance of the Class to which this Certificate belongs) in certain monthly
distributions with respect to a Trust consisting primarily of the Mortgage Loans
deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The
Trust was created pursuant to a Pooling and Servicing Agreement, dated November
21, 2000 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of
America, N.A., as servicer (the "Servicer"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT A-15
[FORM OF FACE OF CLASS A-15 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-15
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.]
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, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-15
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $4,378,000.00
Pass-Through Rate: 7.500%
CUSIP No.: 060506 QS 4
This certifies that _______________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated November 21, 2000 (the
"Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A.,
as servicer (the "Servicer"), and The Bank of New York, as trustee (the
"Trustee"). To the extent not defined herein, the capitalized terms used herein
have the meanings assigned in the Pooling and Servicing Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT A-16
[FORM OF FACE OF CLASS A-16 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-16
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.]
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, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-16
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $15,900,000.00
Pass-Through Rate: 8.000%
CUSIP No.: 060506 QT 2
This certifies that _____________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated November 21, 2000 (the
"Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A.,
as servicer (the "Servicer"), and The Bank of New York, as trustee (the
"Trustee"). To the extent not defined herein, the capitalized terms used herein
have the meanings assigned in the Pooling and Servicing Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT A-17
[FORM OF FACE OF CLASS A-17 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-17
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.]
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, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-17
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $3,735,000.00
Pass-Through Rate: 8.000%
CUSIP No.: 060506 QU 9
This certifies that ________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated November 21, 2000 (the
"Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A.,
as servicer (the "Servicer"), and The Bank of New York, as trustee (the
"Trustee"). To the extent not defined herein, the capitalized terms used herein
have the meanings assigned in the Pooling and Servicing Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT A-18
[FORM OF FACE OF CLASS A-18 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-18
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.]
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, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-18
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $2,000,000.00
Pass-Through Rate: 7.500%
CUSIP No.: 060506 QV 7
This certifies that ______________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
current Certificate Balance of this Certificate by the current Class Certificate
Balance of the Class to which this Certificate belongs) in certain monthly
distributions with respect to a Trust consisting primarily of the Mortgage Loans
deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The
Trust was created pursuant to a Pooling and Servicing Agreement, dated November
21, 2000 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of
America, N.A., as servicer (the "Servicer"), and The Bank of New York, as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT A-19
[FORM OF FACE OF CLASS A-19 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-19
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.]
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, EACH COMPONENT OF 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, AS AMENDED (THE "CODE").
UNTIL THE APPLICABLE ACCRETION TERMINATION DATE, THE INTEREST THAT ACCRUES ON A
PORTION OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE WILL NOT BE PAYABLE.
BECAUSE SUCH UNPAID INTEREST IS ADDED TO THE CERTIFICATE BALANCE OF THIS
CERTIFICATE AND BECAUSE REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS
CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING
AGREEMENT REFERENCED HEREIN, THE OUTSTANDING CERTIFICATE BALANCE OF THIS
CERTIFICATE MAY BE MORE OR LESS THAN THE AMOUNT SET FORTH BELOW.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-19
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $61,997,250.00
CUSIP No.: 060506 QW 5
This certifies that ______________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated November 21, 2000 (the
"Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A.,
as servicer (the "Servicer"), and The Bank of New York, as trustee (the
"Trustee"). To the extent not defined herein, the capitalized terms used herein
have the meanings assigned in the Pooling and Servicing Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
For the purposes of determining distributions of interest and in reduction
of Class Certificate Balance, the Class A-19 Certificates consist of four
components (each, a "Component" and individually, the "Class A-19 PAC IO
Component," the "Class A-19 PAC I Component," the "Class A-19 TAC IO Component
and the "Class A-19 TAC Component"). The amount of interest which accrues on the
Class A-19 Certificates in any month will equal the sum of the interest which
accrues on the Components. The component rate (the "Component Rate") for the
Class A-19 PAC I Component will be 7.125% per annum and the Component Rate for
the Class A-19 PAC IO Component, the Class A-19 TAC IO Component and the Class
A-19 TAC Component will be 7.750% per annum. Interest with respect to each
Component will accrue during each month in an amount equal to the product of (i)
1/12th of the Component Rate for such Component and (ii) the outstanding
Component Balance in the case of the Class A-19 PAC I Component and the Class
A-19 TAC Component or the outstanding notional amount in the case of the Class
A-19 PAC IO Component and the Class A-19 TAC IO Component. Prior to the
applicable Accretion Termination Date, the interest accrued on the Class A-19
PAC Component and Class A-19 TAC Component otherwise available for distribution
on this Certificate will be added to the Component Balance of such Component on
each Distribution Date. This Certificate does not evidence an obligation of, or
an interest in, and is not guaranteed by the Depositor, the Servicer or the
Trustee referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT A-20
[FORM OF FACE OF CLASS A-20 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-20
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.]
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, AS AMENDED (THE "CODE").
UNTIL THE APPLICABLE ACCRETION TERMINATION DATE, THE INTEREST THAT ACCRUES ON
THE CERTIFICATE BALANCE OF THIS CERTIFICATE WILL NOT BE PAYABLE. BECAUSE SUCH
UNPAID INTEREST IS ADDED TO THE CERTIFICATE BALANCE OF THIS CERTIFICATE AND
BECAUSE REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE
MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MORE OR LESS THAN
THE AMOUNT SET FORTH BELOW.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-20
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $10,011,000.00
Pass-Through Rate: 7.750%
CUSIP No.: 060506 QX 3
This certifies that ______________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated November 21, 2000 (the
"Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A.,
as servicer (the "Servicer"), and The Bank of New York, as trustee (the
"Trustee"). To the extent not defined herein, the capitalized terms used herein
have the meanings assigned in the Pooling and Servicing Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT A-21
[FORM OF FACE OF CLASS A-21 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-21
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.]
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, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-21
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $116,788,000.00
Pass-Through Rate: 7.500%
CUSIP No.: 060506 QY 1
This certifies that ______________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated November 21, 2000 (the
"Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A.,
as servicer (the "Servicer"), and The Bank of New York, as trustee (the
"Trustee"). To the extent not defined herein, the capitalized terms used herein
have the meanings assigned in the Pooling and Servicing Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT A-22
[FORM OF FACE OF CLASS A-22 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-22
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.]
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, AS AMENDED (THE "CODE").
REDUCTIONS OF THE NOTIONAL AMOUNT OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING NOTIONAL AMOUNT OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT
SET FORTH BELOW.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-22
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Notional Amount
of this Certificate
("Denomination"): $
Initial Notional Amount
of this Class: $8,319,085.00
Pass-Through Rate: 7.750%
CUSIP No.: 060506 QZ 8
This certifies that ________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Notional Amount of the Class to
which this Certificate belongs) in certain monthly distributions with respect to
a Trust consisting primarily of the Mortgage Loans deposited by Bank of America
Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a
Pooling and Servicing Agreement, dated November 21, 2000 (the "Pooling and
Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer
(the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the
extent not defined herein, the capitalized terms used herein have the meanings
assigned in the Pooling and Servicing Agreement. This Certificate is issued
under and is subject to the terms, provisions and conditions of the Pooling and
Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this
Certificate by virtue of the acceptance hereof assents and by which such Holder
is bound.
This Class A-22 Certificate represents the right to receive interest at
the Pass-Through Rate for such Class on the Class A-22 Notional Amount.. This
Class A-22 Certificate is not entitled to any distributions with respect to
principal on the Mortgage Loans in the Trust. This Certificate does not evidence
an obligation of, or an interest in, and is not guaranteed by the Depositor, the
Servicer or the Trustee referred to below or any of their respective affiliates.
Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any
governmental agency or instrumentality.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT A-23
[FORM OF FACE OF CLASS A-23 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-23
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.]
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, AS AMENDED (THE "CODE").
UNTIL THE APPLICABLE ACCRETION TERMINATION DATE, THE INTEREST THAT ACCRUES ON
THE CERTIFICATE BALANCE OF THIS CERTIFICATE WILL NOT BE PAYABLE. BECAUSE SUCH
UNPAID INTEREST IS ADDED TO THE CERTIFICATE BALANCE OF THIS CERTIFICATE AND
BECAUSE REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE
MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MORE OR LESS THAN
THE AMOUNT SET FORTH BELOW.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-23
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $3,810,750.00
Pass-Through Rate: 7.125%
CUSIP No.: 060506 RA 2
This certifies that _______________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated November 21, 2000 (the
"Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A.,
as servicer (the "Servicer"), and The Bank of New York, as trustee (the
"Trustee"). To the extent not defined herein, the capitalized terms used herein
have the meanings assigned in the Pooling and Servicing Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT A-24
[FORM OF FACE OF CLASS A-24 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-24
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.]
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, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
AFTER THE SENIOR CREDIT SUPPORT DEPLETION DATE, THE PRINCIPAL PORTION OF
REALIZED LOSSES, OTHER THAN EXCESS LOSSES, ALLOCATED TO THE CLASS A-19
CERTIFICATES WILL BE BORNE BY THE CLASS A-24 CERTIFICATES AS DESCRIBED IN THE
POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-24
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $1,025,000.00
Pass-Through Rate: 7.750%
CUSIP No.: 060506 RB 0
This certifies that ______________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated November 21, 2000 (the
"Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A.,
as servicer (the "Servicer"), and The Bank of New York, as trustee (the
"Trustee"). To the extent not defined herein, the capitalized terms used herein
have the meanings assigned in the Pooling and Servicing Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT A-25
[FORM OF FACE OF CLASS A-25 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-25
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.]
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, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-25
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $75,018,000.00
Pass-Through Rate: 7.125%
CUSIP No.: 060506 RC 8
This certifies that _______________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated November 21, 2000 (the
"Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A.,
as servicer (the "Servicer"), and The Bank of New York, as trustee (the
"Trustee"). To the extent not defined herein, the capitalized terms used herein
have the meanings assigned in the Pooling and Servicing Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT A-PO
[FORM OF FACE OF CLASS A-PO CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-PO
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.]
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, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-PO
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $1,747,362.00
CUSIP No.: 060506 RD 6
This certifies that ______________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated November 21, 2000 (the
"Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A.,
as servicer (the "Servicer"), and The Bank of New York, as trustee (the
"Trustee"). To the extent not defined herein, the capitalized terms used herein
have the meanings assigned in the Pooling and Servicing Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
This Class A-PO Certificate represents the right to receive principal
only.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT A-R
[FORM OF FACE OF CLASS A-R CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-R
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, AS AMENDED (THE "CODE").
THIS CLASS A-R CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY
EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT
ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS
AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW WHICH IS SIMILAR
TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), OR A PERSON ACTING ON BEHALF OF
OR INVESTING ASSETS OF A PLAN.
TRANSFER OF THIS CERTIFICATE IS SUBJECT TO CERTAIN TAX RELATED TRANSFER
RESTRICTIONS DESCRIBED HEREIN AND IN THE POOLING AND SERVICING AGREEMENT. ANY
ATTEMPTED OR PURPORTED TRANSFER OF THIS RESIDUAL CERTIFICATE IN VIOLATION OF
SUCH RESTRICTIONS SHALL BE ABSOLUTELY NULL AND VOID AND SHALL VEST NO RIGHTS IN
THE PURPORTED TRANSFEREE.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-R
evidencing a 100% Percentage Interest in the distributions allocable to the
Certificate of the above-referenced Class with respect to a Trust consisting
primarily of a pool of mortgage loans (the "Mortgage Loans") secured by first
liens on one- to four-family residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $50.00
Initial Class Certificate
Balance of this Class: $50.00
Pass-Through Rate: 7.750%
CUSIP No.: 060506 RE 4
This certifies that _____________________ is the registered owner of 100%
Percentage Interest evidenced by this Certificate in certain monthly
distributions with respect to a Trust consisting of the Mortgage Loans deposited
by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was
created pursuant to a Pooling and Servicing Agreement, dated November 21, 2000
(the "Pooling and Servicing Agreement"), among the Depositor, Bank of America,
N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the
"Trustee"). To the extent not defined herein, the capitalized terms used herein
have the meanings assigned in the Pooling and Servicing Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Any distribution of the proceeds of any remaining assets of the
Certificate Account will be made only upon presentment and surrender of this
Class A-R Certificate at the Corporate Trust Office.
Each Person who has or who acquires this Class A-R Certificate shall be
deemed by the acceptance or acquisition thereof to have agreed to be bound by
the following provisions and the rights of each Person acquiring this Class A-R
Certificate are expressly subject to the following provisions: (i) each Person
holding or acquiring this Class A-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; (ii) no Person shall acquire an ownership
interest in this Class A-R Certificate unless such ownership interest is a pro
rata undivided interest; (iii) in connection with any proposed transfer of this
Class A-R Certificate, the Trustee shall require delivery to it, in form and
substance satisfactory to it, of an affidavit in the form of Exhibit I to the
Pooling and Servicing Agreement; (iv) notwithstanding the delivery of an
affidavit by a proposed transferee under clause (iii) above, if a Responsible
Officer of the Trustee has actual knowledge that the proposed transferee is not
a Permitted Transferee, no transfer of any Ownership Interest in this Residual
Certificate to such proposed transferee shall be effected; (v) this Residual
Certificate may not be purchased by or transferred to any Person that is not a
U.S. Person, unless (A) such Person holds this Residual Certificate in
connection with the conduct of a trade or business within the United States and
furnishes the transferor and the Trustee with an effective Internal Revenue
Service Form 4224 (or any successor thereto) or (B) the transferee delivers to
both the transferor and the Trustee an Opinion of Counsel from a
nationally-recognized tax counsel to the effect that such transfer is in
accordance with the requirements of the Code and the regulations promulgated
thereunder and that such transfer of this Residual Certificate will not be
disregarded for federal income tax purposes; (vi) any attempted or purported
transfer of this Class A-R Certificate in violation of the provisions of such
restrictions shall be absolutely null and void and shall vest no rights in the
purported transferee; and (vii) if any Person other than a Permitted Transferee
acquires the Class A-R Certificate in violation of such restrictions, then the
Trustee, based on information provided to the Trustee by the Servicer, will
provide to the Internal Revenue Service, and to the Persons specified in Section
860E(e)(3) and (6) of the Code, information needed to compute the tax imposed
under Section 860E(e) of the Code on transfers of residual interests to
disqualified organizations.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT A-LR
[FORM OF FACE OF CLASS A-LR CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-LR
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, AS AMENDED (THE "CODE").
THIS CLASS A-LR CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY
EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT
ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS
AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW WHICH IS SIMILAR
TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), OR A PERSON ACTING ON BEHALF OF
OR INVESTING ASSETS OF A PLAN.
TRANSFER OF THIS CERTIFICATE IS SUBJECT TO CERTAIN TAX RELATED TRANSFER
RESTRICTIONS DESCRIBED HEREIN AND IN THE POOLING AND SERVICING AGREEMENT. ANY
ATTEMPTED OR PURPORTED TRANSFER OF THIS RESIDUAL CERTIFICATE IN VIOLATION OF
SUCH RESTRICTIONS SHALL BE ABSOLUTELY NULL AND VOID AND SHALL VEST NO RIGHTS IN
THE PURPORTED TRANSFEREE.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class A-LR
evidencing a 100% Percentage Interest in the distributions allocable to the
Certificate of the above-referenced Class with respect to a Trust consisting
primarily of a pool of mortgage loans (the "Mortgage Loans") secured by first
liens on one- to four-family residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $50.00
Initial Class Certificate
Balance of this Class: $50.00
Pass-Through Rate: 7.750%
CUSIP No.: 060506 RF 1
This certifies that _____________________ is the registered owner of 100%
Percentage Interest evidenced by this Certificate in certain monthly
distributions with respect to a Trust consisting of the Mortgage Loans deposited
by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was
created pursuant to a Pooling and Servicing Agreement, dated November 21, 2000
(the "Pooling and Servicing Agreement"), among the Depositor, Bank of America,
N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the
"Trustee"). To the extent not defined herein, the capitalized terms used herein
have the meanings assigned in the Pooling and Servicing Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Any distribution of the proceeds of any remaining assets of the
Certificate Account will be made only upon presentment and surrender of this
Class A-LR Certificate at the Corporate Trust Office.
Each Person who has or who acquires this Class A-LR Certificate shall be
deemed by the acceptance or acquisition thereof to have agreed to be bound by
the following provisions and the rights of each Person acquiring this Class A-LR
Certificate are expressly subject to the following provisions: (i) each Person
holding or acquiring this Class A-LR 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; (ii) no Person shall acquire an ownership
interest in this Class A-LR Certificate unless such ownership interest is a pro
rata undivided interest; (iii) in connection with any proposed transfer of this
Class A-LR Certificate, the Trustee shall require delivery to it, in form and
substance satisfactory to it, of an affidavit in the form of Exhibit I to the
Pooling and Servicing Agreement; (iv) notwithstanding the delivery of an
affidavit by a proposed transferee under clause (iii) above, if a Responsible
Officer of the Trustee has actual knowledge that the proposed transferee is not
a Permitted Transferee, no transfer of any Ownership Interest in this Residual
Certificate to such proposed transferee shall be effected; (v) this Residual
Certificate may not be purchased by or transferred to any Person that is not a
U.S. Person, unless (A) such Person holds this Residual Certificate in
connection with the conduct of a trade or business within the United States and
furnishes the transferor and the Trustee with an effective Internal Revenue
Service Form 4224 (or any successor thereto) or (B) the transferee delivers to
both the transferor and the Trustee an Opinion of Counsel from a
nationally-recognized tax counsel to the effect that such transfer is in
accordance with the requirements of the Code and the regulations promulgated
thereunder and that such transfer of this Residual Certificate will not be
disregarded for federal income tax purposes; (vi) any attempted or purported
transfer of this Class A-LR Certificate in violation of the provisions of such
restrictions shall be absolutely null and void and shall vest no rights in the
purported transferee; and (vii) if any Person other than a Permitted Transferee
acquires the Class A-LR Certificate in violation of such restrictions, then the
Trustee, based on information provided to the Trustee by the Servicer, will
provide to the Internal Revenue Service, and to the Persons specified in Section
860E(e)(3) and (6) of the Code, information needed to compute the tax imposed
under Section 860E(e) of the Code on transfers of residual interests to
disqualified organizations.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT B-1
[FORM OF FACE OF CLASS B-1 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class B-1
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.]
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, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A CERTIFICATES
AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class B-1
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $12,901,000.00
Pass-Through Rate: 7.750%
CUSIP No.: 060506 RG 9
This certifies that _________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated November 21, 2000 (the
"Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A.,
as servicer (the "Servicer"), and The Bank of New York, as trustee (the
"Trustee"). To the extent not defined herein, the capitalized terms used herein
have the meanings assigned in the Pooling and Servicing Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT B-2
[FORM OF FACE OF CLASS B-2 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class B-2
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.]
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, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A AND CLASS
B-1 CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class B-2
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $4,501,000.00
Pass-Through Rate: 7.750%
CUSIP No.: 060506 RH 7
This certifies that _________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated November 21, 2000 (the
"Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A.,
as servicer (the "Servicer"), and The Bank of New York, as trustee (the
"Trustee"). To the extent not defined herein, the capitalized terms used herein
have the meanings assigned in the Pooling and Servicing Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT B-3
[FORM OF FACE OF CLASS B-3 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class B-3
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.]
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, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A, CLASS B-1
AND CLASS B-2 CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class B-3
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $2,701,000.00
Pass-Through Rate: 7.750%
CUSIP No.: 060506 RJ 3
This certifies that _________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated November 21, 2000 (the
"Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A.,
as servicer (the "Servicer"), and The Bank of New York, as trustee (the
"Trustee"). To the extent not defined herein, the capitalized terms used herein
have the meanings assigned in the Pooling and Servicing Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT B-4
[FORM OF FACE OF CLASS B-4 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class B-4
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, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A, CLASS B-1,
CLASS B-2 AND CLASS B-3 CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING
AGREEMENT.
THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS
AMENDED (THE "1933 ACT"). ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT
REGISTRATION THEREOF UNDER THE 1933 ACT MAY ONLY BE MADE IN A TRANSACTION
EXEMPTED FROM THE REGISTRATION REQUIREMENTS OF THE 1933 ACT AND IN ACCORDANCE
WITH THE PROVISIONS OF THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN.
UNDER CURRENT LAW THE PURCHASE AND HOLDING OF THIS CERTIFICATE BY OR ON BEHALF
OF ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT
ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS
AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW ("SIMILAR LAW")
WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), MAY RESULT IN
"PROHIBITED TRANSACTIONS" WITHIN THE MEANING OF ERISA, THE CODE OR SIMILAR LAW.
TRANSFER OF THIS CERTIFICATE WILL NOT BE MADE UNLESS THE TRANSFEREE DELIVERS TO
THE TRUSTEE EITHER (I) A REPRESENTATION LETTER, IN FORM AND SUBSTANCE
SATISFACTORY TO THE TRUSTEE, STATING THAT (A) IT IS NOT, AND IS NOT ACTING ON
BEHALF OF, ANY SUCH PLAN OR USING THE ASSETS OF ANY SUCH PLAN TO EFFECT SUCH
PURCHASE OR (B) IF IT IS AN INSURANCE COMPANY, THAT THE SOURCE OF FUNDS USED TO
PURCHASE THIS CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (AS SUCH
TERM IS DEFINED IN SECTION V(E) OF PROHIBITED TRANSACTION CLASS EXEMPTION 95-60
("PTE 95-60"), 60 FED. REG. 35925 (JULY 12, 1995)), THERE IS NO PLAN WITH
RESPECT TO WHICH THE AMOUNT OF SUCH GENERAL ACCOUNT'S RESERVES AND LIABILITIES
FOR THE CONTRACT(S) HELD BY OR ON BEHALF OF SUCH PLAN AND ALL OTHER PLANS
MAINTAINED BY THE SAME EMPLOYER (OR AFFILIATE THEREOF AS DEFINED IN SECTION
V(A)(1) OF PTE 95-60) OR BY THE SAME EMPLOYEE ORGANIZATION EXCEEDS 10% OF THE
TOTAL OF ALL RESERVES AND LIABILITIES OF SUCH GENERAL ACCOUNT (AS SUCH AMOUNTS
ARE DETERMINED UNDER SECTION I(A) OF PTE 95-60) AT THE DATE OF ACQUISITION AND
ALL PLANS THAT HAVE AN INTEREST IN SUCH GENERAL ACCOUNT ARE PLANS TO WHICH PTE
95-60 APPLIES, OR (II) AN OPINION OF COUNSEL, IN FORM AND SUBSTANCE SATISFACTORY
TO THE TRUSTEE AND THE SERVICER, TO THE EFFECT THAT THE PURCHASE OR HOLDING OF
THIS CERTIFICATE BY OR ON BEHALF OF SUCH PLAN WILL NOT RESULT IN THE ASSETS OF
THE TRUST BEING DEEMED TO BE "PLAN ASSETS" AND SUBJECT TO THE PROHIBITED
TRANSACTION PROVISIONS OF ERISA, THE CODE OR SIMILAR LAW AND WILL NOT SUBJECT
THE DEPOSITOR, THE SERVICER OR THE TRUSTEE TO ANY OBLIGATION IN ADDITION TO
THOSE UNDERTAKEN IN THE POOLING AND SERVICING AGREEMENT. EACH PERSON WHO
ACQUIRES THIS CERTIFICATE OR ANY INTEREST THEREIN SHALL BE DEEMED TO HAVE MADE
THE REPRESENTATIONS REQUIRED BY THE REPRESENTATION LETTER REFERRED TO IN THE
PRECEDING SENTENCE, UNLESS SUCH PERSON SHALL HAVE PROVIDED SUCH REPRESENTATION
LETTER OR THE OPINION OF COUNSEL REFERRED TO IN THE PRECEDING SENTENCE TO THE
TRUSTEE. THE POOLING AND SERVICING AGREEMENT PROVIDES THAT ANY ATTEMPTED OR
PURPORTED TRANSFER IN VIOLATION OF THESE TRANSFER RESTRICTIONS WILL BE NULL AND
VOID AND WILL VEST NO RIGHTS IN ANY PURPORTED TRANSFEREE.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class B-4
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $1,501,000.00
Pass-Through Rate: 7.750%
CUSIP No.: 060506 RP 9
This certifies that _________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated November 21, 2000 (the
"Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A.,
as servicer (the "Servicer"), and The Bank of New York, as trustee (the
"Trustee"). To the extent not defined herein, the capitalized terms used herein
have the meanings assigned in the Pooling and Servicing Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
No transfer of a Certificate of this Class shall be made unless such
transfer is exempt from the registration requirements of the Securities Act of
1933, as amended (the "1933 Act"), and any applicable state securities laws or
is made in accordance with the 1933 Act and such laws. In the event of any such
transfer, (i) unless the transfer is made in reliance on Rule 144A under the
1933 Act, the Trustee or the Depositor may require a written Opinion of Counsel
(which may be in-house counsel) acceptable to and in form and substance
reasonably satisfactory to the Trustee and the Depositor that such transfer may
be made pursuant to an exemption, describing the applicable exemption and the
basis therefor, from the 1933 Act and such laws or is being made pursuant to the
1933 Act and such laws, which Opinion of Counsel shall not be an expense of the
Trustee or the Depositor and (ii) the Trustee shall require a certificate from
the Certificateholder desiring to effect such transfer substantially in the form
attached to the Pooling and Servicing Agreement as Exhibit G-1 and a certificate
from such Certificateholder's prospective transferee substantially in the form
attached to the Pooling and Servicing Agreement either as Exhibit G-2A or as
Exhibit G-2B, which certificates shall not be an expense of the Trustee or the
Depositor; provided that the foregoing requirements under clauses (i) and (ii)
shall not apply to a transfer of a Private Certificate between or among the
Depositor, the Seller, their affiliates or both. The Holder of a Private
Certificate desiring to effect such transfer shall, and does hereby agree to,
indemnify the Trustee and the Depositor 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.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT B-5
[FORM OF FACE OF CLASS B-5 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class B-5
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, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A, CLASS B-1,
CLASS B-2, CLASS B-3 AND CLASS B-4 CERTIFICATES AS DESCRIBED IN THE POOLING AND
SERVICING AGREEMENT.
THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS
AMENDED (THE "1933 ACT"). ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT
REGISTRATION THEREOF UNDER THE 1933 ACT MAY ONLY BE MADE IN A TRANSACTION
EXEMPTED FROM THE REGISTRATION REQUIREMENTS OF THE 1933 ACT AND IN ACCORDANCE
WITH THE PROVISIONS OF THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN.
UNDER CURRENT LAW THE PURCHASE AND HOLDING OF THIS CERTIFICATE BY OR ON BEHALF
OF ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT
ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS
AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW ("SIMILAR LAW")
WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), MAY RESULT IN
"PROHIBITED TRANSACTIONS" WITHIN THE MEANING OF ERISA, THE CODE OR SIMILAR LAW.
TRANSFER OF THIS CERTIFICATE WILL NOT BE MADE UNLESS THE TRANSFEREE DELIVERS TO
THE TRUSTEE EITHER (I) A REPRESENTATION LETTER, IN FORM AND SUBSTANCE
SATISFACTORY TO THE TRUSTEE, STATING THAT (A) IT IS NOT, AND IS NOT ACTING ON
BEHALF OF, ANY SUCH PLAN OR USING THE ASSETS OF ANY SUCH PLAN TO EFFECT SUCH
PURCHASE OR (B) IF IT IS AN INSURANCE COMPANY, THAT THE SOURCE OF FUNDS USED TO
PURCHASE THIS CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (AS SUCH
TERM IS DEFINED IN SECTION V(E) OF PROHIBITED TRANSACTION CLASS EXEMPTION 95-60
("PTE 95-60"), 60 FED. REG. 35925 (JULY 12, 1995)), THERE IS NO PLAN WITH
RESPECT TO WHICH THE AMOUNT OF SUCH GENERAL ACCOUNT'S RESERVES AND LIABILITIES
FOR THE CONTRACT(S) HELD BY OR ON BEHALF OF SUCH PLAN AND ALL OTHER PLANS
MAINTAINED BY THE SAME EMPLOYER (OR AFFILIATE THEREOF AS DEFINED IN SECTION
V(A)(1) OF PTE 95-60) OR BY THE SAME EMPLOYEE ORGANIZATION EXCEEDS 10% OF THE
TOTAL OF ALL RESERVES AND LIABILITIES OF SUCH GENERAL ACCOUNT (AS SUCH AMOUNTS
ARE DETERMINED UNDER SECTION I(A) OF PTE 95-60) AT THE DATE OF ACQUISITION AND
ALL PLANS THAT HAVE AN INTEREST IN SUCH GENERAL ACCOUNT ARE PLANS TO WHICH PTE
95-60 APPLIES, OR (II) AN OPINION OF COUNSEL, IN FORM AND SUBSTANCE SATISFACTORY
TO THE TRUSTEE AND THE SERVICER, TO THE EFFECT THAT THE PURCHASE OR HOLDING OF
THIS CERTIFICATE BY OR ON BEHALF OF SUCH PLAN WILL NOT RESULT IN THE ASSETS OF
THE TRUST BEING DEEMED TO BE "PLAN ASSETS" AND SUBJECT TO THE PROHIBITED
TRANSACTION PROVISIONS OF ERISA, THE CODE OR SIMILAR LAW AND WILL NOT SUBJECT
THE DEPOSITOR, THE SERVICER OR THE TRUSTEE TO ANY OBLIGATION IN ADDITION TO
THOSE UNDERTAKEN IN THE POOLING AND SERVICING AGREEMENT. EACH PERSON WHO
ACQUIRES THIS CERTIFICATE OR ANY INTEREST THEREIN SHALL BE DEEMED TO HAVE MADE
THE REPRESENTATIONS REQUIRED BY THE REPRESENTATION LETTER REFERRED TO IN THE
PRECEDING SENTENCE, UNLESS SUCH PERSON SHALL HAVE PROVIDED SUCH REPRESENTATION
LETTER OR THE OPINION OF COUNSEL REFERRED TO IN THE PRECEDING SENTENCE TO THE
TRUSTEE. THE POOLING AND SERVICING AGREEMENT PROVIDES THAT ANY ATTEMPTED OR
PURPORTED TRANSFER IN VIOLATION OF THESE TRANSFER RESTRICTIONS WILL BE NULL AND
VOID AND WILL VEST NO RIGHTS IN ANY PURPORTED TRANSFEREE.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class B-5
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $1,201,000.00
Pass-Through Rate: 7.750%
CUSIP No.: 060506 RQ 7
This certifies that _________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated November 21, 2000 (the
"Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A.,
as servicer (the "Servicer"), and The Bank of New York, as trustee (the
"Trustee"). To the extent not defined herein, the capitalized terms used herein
have the meanings assigned in the Pooling and Servicing Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
No transfer of a Certificate of this Class shall be made unless such
transfer is exempt from the registration requirements of the Securities Act of
1933, as amended (the "1933 Act"), and any applicable state securities laws or
is made in accordance with the 1933 Act and such laws. In the event of any such
transfer, (i) unless the transfer is made in reliance on Rule 144A under the
1933 Act, the Trustee or the Depositor may require a written Opinion of Counsel
(which may be in-house counsel) acceptable to and in form and substance
reasonably satisfactory to the Trustee and the Depositor that such transfer may
be made pursuant to an exemption, describing the applicable exemption and the
basis therefor, from the 1933 Act and such laws or is being made pursuant to the
1933 Act and such laws, which Opinion of Counsel shall not be an expense of the
Trustee or the Depositor and (ii) the Trustee shall require a certificate from
the Certificateholder desiring to effect such transfer substantially in the form
attached to the Pooling and Servicing Agreement as Exhibit G-1 and a certificate
from such Certificateholder's prospective transferee substantially in the form
attached to the Pooling and Servicing Agreement either as Exhibit G-2A or as
Exhibit G-2B, which certificates shall not be an expense of the Trustee or the
Depositor; provided that the foregoing requirements under clauses (i) and (ii)
shall not apply to a transfer of a Private Certificate between or among the
Depositor, the Seller, their affiliates or both. The Holder of a Private
Certificate desiring to effect such transfer shall, and does hereby agree to,
indemnify the Trustee and the Depositor 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.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT B-6
[FORM OF FACE OF CLASS B-6 CERTIFICATE]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class B-6
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, AS AMENDED (THE "CODE").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A, CLASS B-1,
CLASS B-2, CLASS B-3, CLASS B-4 AND CLASS B-5 CERTIFICATES AS DESCRIBED IN THE
POOLING AND SERVICING AGREEMENT.
THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS
AMENDED (THE "1933 ACT"). ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT
REGISTRATION THEREOF UNDER THE 1933 ACT MAY ONLY BE MADE IN A TRANSACTION
EXEMPTED FROM THE REGISTRATION REQUIREMENTS OF THE 1933 ACT AND IN ACCORDANCE
WITH THE PROVISIONS OF THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN.
UNDER CURRENT LAW THE PURCHASE AND HOLDING OF THIS CERTIFICATE BY OR ON BEHALF
OF ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT
ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS
AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW ("SIMILAR LAW")
WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), MAY RESULT IN
"PROHIBITED TRANSACTIONS" WITHIN THE MEANING OF ERISA, THE CODE OR SIMILAR LAW.
TRANSFER OF THIS CERTIFICATE WILL NOT BE MADE UNLESS THE TRANSFEREE DELIVERS TO
THE TRUSTEE EITHER (I) A REPRESENTATION LETTER, IN FORM AND SUBSTANCE
SATISFACTORY TO THE TRUSTEE, STATING THAT (A) IT IS NOT, AND IS NOT ACTING ON
BEHALF OF, ANY SUCH PLAN OR USING THE ASSETS OF ANY SUCH PLAN TO EFFECT SUCH
PURCHASE OR (B) IF IT IS AN INSURANCE COMPANY, THAT THE SOURCE OF FUNDS USED TO
PURCHASE THIS CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (AS SUCH
TERM IS DEFINED IN SECTION V(E) OF PROHIBITED TRANSACTION CLASS EXEMPTION 95-60
("PTE 95-60"), 60 FED. REG. 35925 (JULY 12, 1995)), THERE IS NO PLAN WITH
RESPECT TO WHICH THE AMOUNT OF SUCH GENERAL ACCOUNT'S RESERVES AND LIABILITIES
FOR THE CONTRACT(S) HELD BY OR ON BEHALF OF SUCH PLAN AND ALL OTHER PLANS
MAINTAINED BY THE SAME EMPLOYER (OR AFFILIATE THEREOF AS DEFINED IN SECTION
V(A)(1) OF PTE 95-60) OR BY THE SAME EMPLOYEE ORGANIZATION EXCEEDS 10% OF THE
TOTAL OF ALL RESERVES AND LIABILITIES OF SUCH GENERAL ACCOUNT (AS SUCH AMOUNTS
ARE DETERMINED UNDER SECTION I(A) OF PTE 95-60) AT THE DATE OF ACQUISITION AND
ALL PLANS THAT HAVE AN INTEREST IN SUCH GENERAL ACCOUNT ARE PLANS TO WHICH PTE
95-60 APPLIES, OR (II) AN OPINION OF COUNSEL, IN FORM AND SUBSTANCE SATISFACTORY
TO THE TRUSTEE AND THE SERVICER, TO THE EFFECT THAT THE PURCHASE OR HOLDING OF
THIS CERTIFICATE BY OR ON BEHALF OF SUCH PLAN WILL NOT RESULT IN THE ASSETS OF
THE TRUST BEING DEEMED TO BE "PLAN ASSETS" AND SUBJECT TO THE PROHIBITED
TRANSACTION PROVISIONS OF ERISA, THE CODE OR SIMILAR LAW AND WILL NOT SUBJECT
THE DEPOSITOR, THE SERVICER OR THE TRUSTEE TO ANY OBLIGATION IN ADDITION TO
THOSE UNDERTAKEN IN THE POOLING AND SERVICING AGREEMENT. EACH PERSON WHO
ACQUIRES THIS CERTIFICATE OR ANY INTEREST THEREIN SHALL BE DEEMED TO HAVE MADE
THE REPRESENTATIONS REQUIRED BY THE REPRESENTATION LETTER REFERRED TO IN THE
PRECEDING SENTENCE, UNLESS SUCH PERSON SHALL HAVE PROVIDED SUCH REPRESENTATION
LETTER OR THE OPINION OF COUNSEL REFERRED TO IN THE PRECEDING SENTENCE TO THE
TRUSTEE. THE POOLING AND SERVICING AGREEMENT PROVIDES THAT ANY ATTEMPTED OR
PURPORTED TRANSFER IN VIOLATION OF THESE TRANSFER RESTRICTIONS WILL BE NULL AND
VOID AND WILL VEST NO RIGHTS IN ANY PURPORTED TRANSFEREE.
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2000-7
Class B-6
evidencing an interest in a Trust consisting primarily of a pool of mortgage
loans (the "Mortgage Loans") secured by first liens on one- to four-family
residential properties deposited by
Bank of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-Off Date: November 1, 2000
First Distribution Date: December 26, 2000
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $1,200,149.53
Pass-Through Rate: 7.750%
CUSIP No.: 060506 RR 5
This certifies that _________________ is the registered owner of the
Percentage Interest evidenced by this Certificate (obtained by dividing the
Denomination of this Certificate by the Initial Class Certificate Balance of the
Class to which this Certificate belongs) in certain monthly distributions with
respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank
of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created
pursuant to a Pooling and Servicing Agreement, dated November 21, 2000 (the
"Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A.,
as servicer (the "Servicer"), and The Bank of New York, as trustee (the
"Trustee"). To the extent not defined herein, the capitalized terms used herein
have the meanings assigned in the Pooling and Servicing Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
No transfer of a Certificate of this Class shall be made unless such
transfer is exempt from the registration requirements of the Securities Act of
1933, as amended (the "1933 Act"), and any applicable state securities laws or
is made in accordance with the 1933 Act and such laws. In the event of any such
transfer, (i) unless the transfer is made in reliance on Rule 144A under the
1933 Act, the Trustee or the Depositor may require a written Opinion of Counsel
(which may be in-house counsel) acceptable to and in form and substance
reasonably satisfactory to the Trustee and the Depositor that such transfer may
be made pursuant to an exemption, describing the applicable exemption and the
basis therefor, from the 1933 Act and such laws or is being made pursuant to the
1933 Act and such laws, which Opinion of Counsel shall not be an expense of the
Trustee or the Depositor and (ii) the Trustee shall require a certificate from
the Certificateholder desiring to effect such transfer substantially in the form
attached to the Pooling and Servicing Agreement as Exhibit G-1 and a certificate
from such Certificateholder's prospective transferee substantially in the form
attached to the Pooling and Servicing Agreement either as Exhibit G-2A or as
Exhibit G-2B, which certificates shall not be an expense of the Trustee or the
Depositor; provided that the foregoing requirements under clauses (i) and (ii)
shall not apply to a transfer of a Private Certificate between or among the
Depositor, the Seller, their affiliates or both. The Holder of a Private
Certificate desiring to effect such transfer shall, and does hereby agree to,
indemnify the Trustee and the Depositor 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.
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.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
countersigned by an authorized signatory of the Trustee.
* * *
EXHIBIT C
[FORM OF REVERSE OF ALL CERTIFICATES]
BANK OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates
This Certificate is one of a duly authorized issue of Certificates
designated as Bank of America Mortgage Securities, Inc. Mortgage Pass-Through
Certificates, of the Series specified on the face hereof (collectively, the
"Certificates"), and representing a beneficial ownership interest in the Trust
created by the Pooling and Servicing Agreement.
The Certificateholder, by its acceptance of this Certificate, agrees that
it will look solely to the funds on deposit in the Certificate Account for
payment hereunder and that the Trustee is not liable to the Certificateholders
for any amount payable under this Certificate or the Pooling and Servicing
Agreement or, except as expressly provided in the Pooling and Servicing
Agreement, subject to any liability under the Pooling and Servicing Agreement.
This Certificate does not purport to summarize the Pooling and Servicing
Agreement and reference is made to the Pooling and Servicing Agreement for the
interests, rights and limitations of rights, benefits, obligations and duties
evidenced thereby, and the rights, duties and immunities of the Trustee.
Pursuant to the terms of the Pooling and Servicing Agreement, a
distribution will be made on the 25th day of each calendar month (or, if such
day is not a Business Day, the next Business Day) (each, a "Distribution Date"),
commencing on the first Distribution Date specified on the face hereof, to the
Person in whose name this Certificate is registered at the close of business on
the applicable Record Date in an amount required pursuant to the Pooling and
Servicing Agreement. The Record Date applicable to each Distribution Date is the
last Business Day of the month next preceding the month of such Distribution
Date.
On each Distribution Date, the Trustee shall distribute out of the
Certificate Account to each Certificateholder of record on the related Record
Date (other than respecting the final distribution) (a) by check mailed to such
Certificateholder entitled to receive a distribution on such Distribution Date
at the address appearing in the Certificate Register, or (b) upon written
request by the Holder of a Regular Certificate (in the event such
Certificateholder owns of record 100% of a Class of Certificates or holds
Certificates of any Class having denominations aggregating $1,000,000 or more),
by wire transfer or by such other means of payment as such Certificateholder and
the Trustee shall agree upon, such Certificateholder's Percentage Interest in,
the amount to which the related Class of Certificates is entitled in accordance
with the priorities set forth in Section 5.02 of the Pooling and Servicing
Agreement; provided, however, that in the case of the Class A-6, Class A-7,
Class A-8, Class A-14 or Class A-18 Certificates, distributions of principal to
which such Class is entitled will be made to the Holders of such Class as
described in Section 5.09 of the Pooling and Servicing Agreement. The final
distribution on each Certificate will be made in like manner, but only upon
presentation and surrender of such Certificate to the Trustee as contemplated by
Section 10.01 of the Pooling and Servicing Agreement.
The Pooling and Servicing Agreement permits, with certain exceptions
therein provided, the amendment thereof and the modification of the rights and
obligations of the Trustee and the rights of the Certificateholders under the
Pooling and Servicing Agreement at any time by the Depositor, the Servicer and
the Trustee with the consent of the Holders of Certificates affected by such
amendment evidencing the requisite Percentage Interest, as provided in the
Pooling and Servicing Agreement. 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 therefor or in lieu hereof whether or not notation of such
consent is made upon this Certificate. The Pooling and Servicing Agreement also
permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.
As provided in the Pooling and Servicing Agreement and subject to certain
limitations therein set forth, the transfer of this Certificate is registrable
in the Certificate Register of the Trustee upon surrender of this Certificate
for registration of transfer at the Corporate Trust Office accompanied by a
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 the same Class in authorized denominations and evidencing the same aggregate
Percentage Interest in the Trust will be issued to the designated transferee or
transferees.
The Certificates are issuable only as registered Certificates without
coupons in denominations specified in the Pooling and Servicing Agreement. As
provided in the Pooling and Servicing Agreement and subject to certain
limitations therein set forth, Certificates are exchangeable for new
Certificates of the same Class in authorized denominations and evidencing the
same 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 Depositor, the Servicer, the Certificate Registrar and the Trustee and
any agent of the Depositor, the Servicer, the Certificate Registrar or the
Trustee may treat the Person in whose name this Certificate is registered as the
owner hereof for all purposes, and none of the Depositor, the Servicer, the
Certificate Registrar, the Trustee or any such agent shall be affected by any
notice to the contrary.
On any Distribution Date on which the Pool Stated Principal Balance is
less than 10% of the Cut-Off Date Pool Principal Balance, the Depositor will
have the option to repurchase, in whole, from the Trust all remaining Mortgage
Loans and all property acquired in respect of the Mortgage Loans at a purchase
price determined as provided in the Pooling and Servicing Agreement. In the
event that no such optional termination occurs, the obligations and
responsibilities created by the Pooling and Servicing Agreement will terminate
upon the later of the maturity or other liquidation (or any advance with respect
thereto) of the last Mortgage Loan remaining in the Trust or the disposition of
all property in respect thereof and the distribution to Certificateholders of
all amounts required to be distributed pursuant to the Pooling and Servicing
Agreement. In no event shall the Trust created by the Pooling and Servicing
Agreement continue beyond the expiration of 21 years from the death of the last
survivor of the descendants of Xxxxxx X. Xxxxxxx, the late ambassador of the
United States to the Court of St. Xxxxx, living on the date thereof.
Any term used herein that is defined in the Pooling and Servicing
Agreement shall have the meaning assigned in the Pooling and Servicing
Agreement, and nothing herein shall be deemed inconsistent with that meaning.
IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly
executed.
Dated: ________ ___, ___
THE BANK OF NEW YORK,
as Trustee
By
----------------------------------------
Authorized Signatory
CERTIFICATE OF AUTHENTICATION
This is one of the Class [__] Certificates referred to in the Pooling and
Servicing Agreement referenced herein.
THE BANK OF NEW YORK,
as Trustee
By
----------------------------------------
Authorized Signatory
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)
the Percentage Interest evidenced by the within Certificate and hereby
authorizes the transfer of registration of such Percentage Interest to assignee
on the Certificate Register of the Trust.
I (We) further direct the Trustee 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
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.
EXHIBIT D
MORTGAGE LOAN SCHEDULE
Bank of America Mortgage Securities Inc
Series 2000-7
Settlement 11/21/00
Zip Orig. First
Loan Number Last Name ST Code Occ. Prop. Int. Rate LTV Pay Date
----------- --------- -- ---- ---- ----- --------- --- --------
0000000000 XXXXXXXX XX 00000 P SF 8.1250 80.000 20001101
6654021077 HAN CA 91011 P PA 8.5000 76.700 20001201
6654175550 XXXXXX XX 00000 P SF 8.3750 80.000 20001201
6654637336 XXXXXX XX 00000 P PD 8.3750 80.000 20001101
6655647417 XXXXXXXXX, XXX XX 00000 P SF 8.1250 70.000 20001201
6655779582 XXXXXXX XX 00000 P SF 8.2500 80.000 20001201
6658136301 XXXX XX 00000 P SF 8.3750 53.100 20001101
6660876746 XXXXXXX XX 00000 P SF 8.2500 79.800 20001201
0023901523 XXXXXX XX 00000 P SF 8.3750 78.000 20001101
0023972458 XXXXXXX XX 00000 P SF 8.1250 66.700 20001101
0028232627 XXXXXX XX 00000 P PD 8.3750 80.000 20001201
0028563039 XXXXXX XX 00000 P PD 8.2500 86.900 20000901
0028578748 XXXXX XX 00000 P SF 8.5000 67.700 20001101
0028580074 XXXXX XX 00000 P PD 8.2500 79.900 20001101
0028581965 XXXXXXXXX XX 00000 P PD 8.5000 78.800 20000801
0028606051 XXXXXXXXXX XX 00000 P PD 8.5000 55.100 20001101
0028606325 XXXXX XX 00000 P SF 8.2500 80.000 20001001
0028610012 XXXXXXXX XX 00000 P PD 8.3750 80.000 20001101
0028624450 XXXXXX XX 00000 P SF 8.1250 80.000 20001101
0028656882 XXXXXXXX XX 00000 P CO 8.3750 78.800 20001101
0028697837 XXXXXXX XX 00000 P PD 8.5000 80.000 20001101
0028702546 XXXXXX XX 00000 P SF 8.1250 95.000 20001001
0028719524 XXXXXXXXXXXXX XX 00000 P SF 8.2500 77.100 20001101
0028742757 XXXXXXXX XX 00000 P PD 8.3750 79.900 20001101
0028742963 XXXXX XX 00000 P PD 8.5000 80.000 20001101
0028758696 XXXXXXXX XX 00000 P PD 8.3750 80.000 20001101
0028771202 XXXXXXXX XX 00000 P SF 8.5000 76.700 20000701
0028803450 XXXXXXX XX 00000 P SF 8.3750 80.000 20000901
0028825164 XXXXXXX XX 00000 P SF 8.3750 80.000 20001001
0028827491 XXX XX 00000 P PD 8.5000 79.200 20001001
0028830008 XXXX XX 00000 P SF 8.5000 80.000 20000901
0028834091 XXXXX XX 00000 P PD 8.6250 75.400 20001101
0028835841 XXXXX XX 00000 P PD 8.3750 80.000 20000901
0028844462 XXXXXXX XX 00000 P SF 8.6250 80.000 20000901
0028847382 XXXXXX JR. XX 00000 P PD 8.7500 80.000 20001001
0028849347 XXXXX XX 00000 X XX 0.0000 80.000 20001101
0028850667 XXXXXX XX 00000 P SF 8.7500 71.500 20000901
0028854461 XXXXXX XX 00000 P SF 8.5000 80.000 20001001
0028858900 XXXXX XX 00000 P SF 8.7500 84.800 20001101
0028860526 XXXXXX XX 00000 P SF 8.5000 51.700 20001001
0028863595 XXXXXXX XX 00000 P PD 8.2500 80.000 20001001
0028863603 XXXXXXXXXXX XX 00000 P PD 8.3750 90.000 20001001
0028863736 XXXXXXXXX XX 00000 P SF 8.2500 80.000 20001001
0028863744 XXXXXX XX 00000 P SF 8.1250 55.600 20001101
0028864544 XXXXXXX XX 00000 P SF 8.3750 80.000 20001001
0028866614 XXXXXXXX XX AL 36561 S SF 8.3750 68.400 20001001
0028869824 XXXXXXXXX XX 00000 P PD 8.7500 80.000 20001001
0028873974 XXXXX XX 00000 P SF 8.5000 91.900 20001001
0028878973 XXXXXXXX XX 00000 S PD 8.3750 75.000 20001001
0028878981 XXXXXX XX 00000 P SF 8.6250 89.700 20001101
0028879153 XXXXXXXX XX 00000 P SF 8.5000 90.000 20001101
0028879690 XXXXXXXXXXXX XX 00000 P SF 8.0000 80.000 20001001
0028880391 OPIE MD 21401 P SF 8.5000 79.800 20001101
0028880706 XXXXXX XX 00000 P PD 8.3750 80.000 20001101
0028880730 XXXXX XX 00000 P SF 8.2500 80.000 20001001
0028881225 XXXX XX 00000 P SF 8.3750 60.000 20001001
0028882538 XXXXXXXXX XX 00000 P PD 8.0000 76.900 20001101
0028884047 XXXX XX 00000 P PD 8.6250 80.000 20001001
0028884450 XXXXXXXX XX 00000 P PD 8.3750 77.800 20001001
0028885663 XXXXXXXX XX 00000 P PD 8.7500 80.000 20001001
0028887438 XXXXX XX 00000 P PD 7.7500 80.000 20001101
0028888147 XXXXXXXX XX 00000 P PD 8.3750 95.000 20001001
0028888758 XXXXXX XX 00000 P PD 8.5000 80.000 20001001
0028889053 XXXXX XX 00000 P PD 8.0000 80.000 20001101
0028889202 XXXXXXXX XX 00000 P SF 8.3750 80.000 20001101
0028889756 XXXXXXX XX 00000 I SF 8.8750 70.000 20001001
0028892297 XXXX XX 00000 P SF 8.3750 58.900 20001001
0028893857 XXXXX XX 00000 P SF 8.2500 80.000 20001001
0028894541 XXXXXXXXXX XX 00000 P SF 8.3750 79.300 20001101
0028895548 XXXXX XX 00000 P PD 8.6250 95.000 20001001
0028895928 YI MD 20878 P SF 8.7500 80.000 20001001
0028896215 XXXXXX XX 00000 P SF 8.2500 80.000 20001001
0028896868 XX XX 00000 P PD 8.7500 80.000 20001001
0028896900 XXXXXXX XX 00000 P PD 8.0000 80.000 20001001
0028897155 XXXXXXXXXX XX 00000 P SF 8.2500 80.000 20001001
0028898930 XXXXXXX XX 00000 P PD 8.2500 80.000 20001001
0028899854 XXXXXXXXX XX 00000 P PD 8.2500 78.600 20001001
0028900157 XXXXXX XX 00000 P SF 8.6250 70.800 20000701
0028900264 XXXXXXXX XX 00000 P PD 8.3750 80.000 20000701
0028901239 LIGOT CA 92807 P PD 9.5000 95.000 20000901
0028901304 XXXX XX 00000 P CO 8.6250 70.000 20000801
0028901502 XXXXX XX 00000 P SF 8.3750 69.800 20000701
0028901593 XXXXX XX 00000 P SF 7.7500 55.300 20001001
0028902534 XXXXXXXXX XX 00000 P PD 8.3750 80.000 20001001
0028902583 XXXXXX XX 00000 P SF 8.2500 79.200 20001101
0028902807 XXXXXXXX XX 00000 P PD 8.6250 95.000 20001001
0028903011 XXXXX XX 00000 P SF 8.1250 70.900 20001101
0028903128 XXXXXXXX XX 00000 P PD 8.1250 80.000 20001101
0028903201 XXXXXX XX 00000 P SF 8.3750 69.000 20001001
0028903243 XXXXXX XX 00000 P PD 8.3750 80.000 20001001
0028904704 XXXXXXX XX 00000 P SF 8.2500 80.000 20001001
0028906071 XXXXXXXXX XX 00000 P PD 8.1250 69.700 20001101
0028906295 XXXXX XX 00000 S SF 8.3750 54.400 20001001
0028906576 XXXXXXXX XX 00000 P SF 8.0000 49.100 20001001
0028907772 XXXXXXX XX 00000 P PD 8.2500 80.000 20001001
0028907996 XXXXXX XX 00000 P SF 8.2500 80.000 20001001
0028908655 XXXXXX VA 20112 P PD 7.8750 80.000 20001001
0028909679 XXXX XX 00000 P SF 7.8750 80.000 20001001
0028909737 XXXXX XX 00000 P PD 8.3750 80.000 20001001
0028909935 XXXX XX 00000 P SF 8.2500 72.100 20001001
0028909943 XXXXXXX XX 00000 P SF 8.2500 90.000 20001101
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6911758818 RAMIREZ, SR. CA 93906 P SF 8.3750 80.000 20001101
6912455729 O'DRISCOLL CA 94123 P CO 8.5000 45.800 20001101
6915475393 HULL CA 94110 P CO 8.2500 80.000 20001201
6916098707 BRIGGS VA 23112 P PD 7.8750 70.200 20001101
6916258632 ENSWEILER TX 75056 P SF 8.5000 75.000 20000701
6917443555 BIERIG TX 75201 P CH 8.2500 80.000 20001101
6917483692 BOUTWELL CA 94558 I SF 8.7500 70.000 20001101
6921685373 STEWART FL 33914 S PD 8.6250 76.400 20001101
6921765969 CAVANAGH CA 94928 P SF 8.2500 80.000 20001101
6922929788 ZWEBACK NY 11803 P SF 8.6250 92.100 20001101
6924359372 CASSEL CA 92646 P SF 8.2500 80.000 20001101
6924568568 NAZAROV WA 98040 P SF 8.0000 77.300 20001101
6924694364 HOPE-MURRAY CT 06612 P SF 8.3750 46.900 20001101
6925658889 WHITE CA 94044 P SF 8.1250 90.000 20001101
6928042412 ACTON III VA 20194 P PD 8.0000 80.000 20001101
6930722886 LUCIDO CA 93908 P SF 8.1250 60.000 20001101
6930779167 SANCHEZ CA 95122 P SF 8.6250 95.000 20001101
6931327891 HOHENBERGER TX 78657 S PD 8.3750 75.000 20001101
6932568501 O'NEIL CA 92677 P PD 8.2500 80.000 20001001
6932721274 ESPINOZA CA 95631 I SF 9.0000 79.900 20001101
6936499083 PRINCE TX 75491 P SF 8.2500 90.000 20001101
6937144324 LORENZE CT 06443 P SF 8.3750 80.000 20001101
6938037782 AHMADPOUR CA 91361 P PD 8.5000 59.300 20001101
6938755425 FRES CA 95121 P SF 8.5000 80.000 20001101
6939016777 SURAKITBANHARN CA 92130 P SF 7.1250 69.300 19990601
6939221393 BERNSTEIN NY 11570 P SF 8.7500 72.700 20001101
6939553035 EASTMAN CA 92131 P SF 8.1250 75.300 20001101
6940202887 SAWYER CA 93953 P SF 8.5000 75.000 20001101
6940376194 BAKER MO 63367 P PD 8.3750 76.500 20001101
6941068352 GLASSMAN MD 21224 P CO 8.1250 80.000 20001101
6941613884 NASCIMIENTO FL 33138 P SF 8.6250 80.000 20001101
6941941269 WILLISON DC 20005 P TH 8.3750 74.500 20001101
6947633613 ARENAS CA 95121 P SF 8.3750 90.000 20001101
6948144370 HOLDNER CA 95403 P SF 8.3750 80.000 20001101
6949415233 BRANDT III CA 93001 S SF 8.3750 75.000 20001101
6949855859 BELL NC 28207 P SF 8.0000 80.000 20001001
6950094885 PETHERICK CA 92887 P SF 8.3750 80.000 20001101
6950290129 THOMS DC 20037 S CP 8.5000 80.000 20001101
6950578465 MCGLON, JR. MO 64081 P SF 8.2500 89.800 20001101
6952050661 LOERA CONTRERAS CA 94014 P SF 8.5000 80.000 20001101
6952203278 DAKIN CA 94010 P SF 8.3750 61.800 20001101
6955941031 WELLS FL 32233 P SF 8.3750 64.800 20001101
6957196386 NAVARRETE CA 93907 P SF 7.7500 76.800 20001101
6957760223 O'CONNOR FL 34109 P PD 8.2500 80.000 20001101
6959022531 KIM CA 94583 P PD 8.3750 80.000 20001101
6962657281 TAWBI CA 95035 P PD 8.5000 50.900 20001101
6962693914 JOHNSON IL 60525 P SF 8.3750 80.000 20001101
6965100024 AABY CA 94708 P SF 8.0000 80.000 20001101
6965460642 LEARMAN MI 48167 P SF 8.5000 60.000 20001101
6967144400 RHINES NJ 07305 P CO 7.8750 80.000 20001201
6968560786 MODISHER TN 37215 P CO 8.5000 80.000 20001101
6969688438 DORTON GA 30005 P PD 8.0000 62.900 20001101
6975686822 JURKEVICS VA 22207 P SF 8.0000 80.000 20001101
6976397866 UPSON CA 92692 P PD 8.2500 58.800 20001101
6976977642 SCHWARTZ FL 33611 P CO 8.3750 80.000 20001201
6981452755 BULLARD CA 94087 P SF 8.2500 77.500 20001101
6982954890 SHUTE AZ 85262 P PD 8.2500 43.800 20001101
6985539003 JAMES, SR CT 06443 S SF 7.8750 70.000 20001101
6985672044 LEE CA 91007 P SF 8.0000 80.000 20001101
6988370273 FLESHER NM 87501 P SF 8.2500 55.900 20001101
6989530123 HARTVICH MD 20878 P PD 8.0000 80.000 20001101
6989757528 MARCO CA 91311 P SF 8.5000 79.400 20001101
6989789950 MANNION NY 11561 P SF 8.8750 80.000 20001201
6990211762 LEVEY GA 30338 P PD 8.1250 57.700 20001101
6990541408 REYNOLDS MA 02050 P SF 8.3750 80.000 20001101
6991456093 ROSS CA 94618 P SF 8.3750 67.500 20001101
6992841780 MOUNTS FL 34242 P SF 8.1250 80.000 20001201
6992895620 RICE JR. GA 30076 P PD 8.1250 80.000 20001201
6993095212 MCQUAID CA 92688 P PD 8.2500 79.400 20001101
6995496590 DE VRIES CA 92782 P PD 7.7500 66.900 20001101
6999544619 BJURSTROM CA 92253 S PD 8.5000 79.800 20001101
0028937464 KRISTOFERU CA 94506 P PD 8.8750 65.300 20001201
0029006194 SAQUI CA 95746 P PD 8.7500 80.000 20000601
0029006269 PREWETT CA 91784 P SF 8.6250 95.000 20001001
0029006467 XI CA 95132 P SF 8.6250 80.000 20000801
0029007127 HOLT CA 91901 P SF 8.6250 51.200 20001001
0029010188 REDRICO CA 94591 P SF 8.5000 80.000 20001101
0029003373 KELLER CA 95124 P SF 8.5000 80.000 20001001
0029005352 NGUYEN CA 95148 P SF 8.5000 79.400 20001101
0029010071 MAGGIO CA 92679 P PD 8.5000 80.000 20001101
0023449325 CLUTTER TX 77057 P SF 7.7500 69.400 19991001
0029015088 DANCE IL 60044 P SF 7.7500 80.000 20001201
0028911154 GUTIERREZ CA 94509 P SF 7.7500 77.500 20001101
6735394097 MOSTERT CA 95818 P SF 8.3750 80.000 20001201
6958564228 WIDDOSS CA 94577 P SF 8.1250 80.000 20001201
TABLE (CONTINUED)
Maturity Loan Appraisal PMI
Loan Number Date P & I Orig. Bal. Sched. Bal. Purp. Value Doc Type Code
----------- ---- ----- ---------- ----------- ----- ----- -------- ----
6653855368 20301001 4,811.39 648,000.00 647,576.11 1 819,000.00 Reduced
6654021077 20301101 2,537.42 330,000.00 330,000.00 1 430,000.00 Standard
6654175550 20301101 3,450.73 454,000.00 454,000.00 1 568,000.00 Standard
6654637336 20301001 3,131.50 412,000.00 411,743.92 1 515,000.00 Standard
6655647417 20301101 4,547.80 612,500.00 612,500.00 6 875,000.00 Standard
6655779582 20301101 2,283.86 304,000.00 304,000.00 8 380,000.00 Standard
6658136301 20301001 6,460.62 850,000.00 849,471.67 8 1,600,000.00 Standard
6660876746 20301101 2,223.75 296,000.00 296,000.00 1 385,000.00 Standard
0023901523 20301001 2,432.24 320,000.00 319,801.09 8 410,000.00 Standard
0023972458 20301001 2,895.74 390,000.00 389,744.89 8 585,000.00 Standard
0028232627 20301101 3,404.19 447,876.00 447,876.00 1 560,000.00 Reduced
0028563039 20300801 1,990.86 265,000.00 264,334.25 1 309,000.00 Standard 13
0028578748 20301001 3,333.24 433,500.00 433,237.38 6 640,000.00 Reduced
0028580074 20301001 3,205.65 426,700.00 426,427.91 1 534,500.00 Standard
0028581965 20300701 2,371.72 308,450.00 307,694.56 1 392,000.00 Standard
0028606051 20301001 5,766.86 750,000.00 749,545.64 8 1,360,000.00 Standard
0028606325 20300901 2,272.09 302,434.00 302,046.96 1 379,000.00 Standard
0028610012 20301001 2,551.94 335,750.00 335,341.32 1 428,000.00 Standard
0028624450 20301001 2,368.57 319,000.00 318,791.33 1 400,000.00 Reduced
0028656882 20301001 4,940.47 650,000.00 649,595.99 1 825,000.00 Standard
0028697837 20301001 4,551.97 592,000.00 591,641.36 1 760,000.00 Standard
0028702546 20300901 2,124.05 286,068.00 285,692.47 1 301,500.00 Standard 11
0028719524 20301001 2,704.56 360,000.00 359,770.44 8 467,000.00 Reduced
0028742757 20301001 2,386.63 314,000.00 313,804.83 8 393,000.00 Reduced
0028742963 20301001 2,617.38 340,400.00 340,193.79 1 433,000.00 Reduced
0028758696 20301001 2,377.51 312,800.00 312,605.57 1 392,000.00 Standard
0028771202 20300601 4,805.71 625,000.00 623,079.85 8 815,000.00 Standard
0028803450 20300801 3,344.32 440,000.00 438,859.17 1 550,000.00 Standard
0028825164 20300901 2,277.18 299,600.00 299,226.26 1 375,000.00 Standard
0028827491 20300901 2,314.43 301,000.00 300,634.01 1 380,000.00 Standard
0028830008 20300801 2,583.55 336,000.00 335,368.45 1 420,000.00 Standard
0028834091 20301001 2,333.37 300,000.00 299,772.60 1 407,500.00 Reduced
0028835841 20300801 2,613.89 343,900.00 343,254.25 1 429,900.00 Standard
0028844462 20300801 2,364.48 304,000.00 303,336.58 1 395,000.00 Standard
0028847382 20300901 2,651.19 337,000.00 336,610.79 1 422,000.00 Standard
0028849347 20301001 4,094.29 526,400.00 526,089.21 1 665,000.00 Reduced
0028850667 20300801 2,576.44 327,500.00 326,930.60 6 458,000.00 Standard
0028854461 20300901 2,589.70 336,800.00 336,390.49 1 422,000.00 Standard
0028858900 20301001 2,501.71 318,000.00 317,817.04 8 375,000.00 Standard 35
0028860526 20300901 2,883.43 375,000.00 374,544.03 1 725,000.00 Reduced
0028863595 20300901 2,111.44 281,050.00 280,690.33 1 352,000.00 Standard
0028863603 20300901 2,462.64 324,000.00 323,595.82 1 360,000.00 Standard 11
0028863736 20300901 2,103.55 280,000.00 279,641.67 1 350,000.00 Standard
0028863744 20301001 2,969.99 400,000.00 399,337.43 1 724,000.00 Standard
0028864544 20300901 2,827.47 372,000.00 371,535.95 1 472,000.00 Standard
0028866614 20300901 4,937.05 649,550.00 648,739.72 1 1,000,000.00 Standard
0028869824 20300901 2,293.23 291,500.00 291,163.36 1 367,000.00 Standard
0028873974 20300901 3,037.98 395,100.00 394,619.59 1 430,000.00 Standard 11
0028878973 20300901 3,819.36 502,500.00 501,873.16 1 670,000.00 Standard
0028878981 20301001 2,030.03 261,000.00 260,845.91 1 291,000.00 Standard 24
0028879153 20301001 2,282.90 296,900.00 296,220.14 8 330,000.00 Standard 11
0028879690 20300901 3,008.43 410,000.00 409,447.97 1 513,000.00 Reduced
0028880391 20301001 4,523.52 588,300.00 587,943.61 1 737,000.00 Standard
0028880706 20301001 3,521.41 463,300.00 463,012.04 1 579,168.00 Reduced
0028880730 20300901 2,578.35 343,200.00 342,760.71 1 430,000.00 Standard
0028881225 20300901 2,280.22 300,000.00 299,625.76 6 500,000.00 Reduced
0028882538 20301001 3,301.94 450,000.00 449,698.06 1 592,000.00 Standard
0028884047 20300901 2,314.70 297,600.00 297,247.34 1 372,000.00 Reduced
0028884450 20300901 2,189.01 288,000.00 287,640.73 1 370,000.00 Reduced
0028885663 20300901 2,294.02 291,600.00 291,263.21 8 364,500.00 Standard
0028887438 20301001 2,263.87 316,000.00 315,776.96 1 420,000.00 Standard
0028888147 20300901 2,068.54 272,150.00 271,810.50 1 288,000.00 Standard 11
0028888758 20300901 4,152.14 540,000.00 539,343.40 1 690,000.00 Standard
0028889053 20301001 3,241.77 441,800.00 441,503.56 1 552,292.00 Reduced
0028889202 20301001 2,061.32 271,200.00 271,031.43 1 339,000.00 Standard
0028889756 20300901 2,779.19 349,300.00 348,762.06 1 500,000.00 Standard
0028892297 20300901 2,177.61 286,500.00 285,941.20 1 490,000.00 Standard
0028893857 20300901 3,155.32 420,000.00 419,462.52 1 525,000.00 Standard
0028894541 20301001 2,470.24 325,000.00 324,797.99 1 410,000.00 Reduced
0028895548 20300901 2,216.33 284,952.00 284,614.31 1 302,000.00 Reduced 13
0028895928 20300901 2,234.23 284,000.00 283,672.01 1 364,000.00 Standard
0028896215 20300901 2,404.06 320,000.00 319,590.48 8 400,000.00 Reduced
0028896868 20300901 2,863.59 364,000.00 363,579.63 1 455,000.00 Standard
0028896900 20300901 2,700.25 368,000.00 367,504.52 1 483,000.00 Reduced
0028897155 20300901 2,307.90 307,200.00 306,806.85 1 384,000.00 Standard
0028898930 20300901 2,539.28 338,000.00 337,567.45 1 423,000.00 Reduced
0028899854 20300901 3,305.57 440,000.00 439,436.93 8 560,000.00 Standard
0028900157 20300601 2,644.49 340,000.00 338,981.77 6 480,000.00 Standard
0028900264 20300601 2,061.32 271,200.00 270,345.30 1 340,000.00 Standard
0028901239 20300801 2,420.40 287,850.00 287,421.86 1 310,000.00 Standard 11
0028901304 20300701 2,776.71 357,000.00 356,042.90 1 510,000.00 Standard
0028901502 20300601 2,599.45 342,000.00 339,058.72 6 490,000.00 Standard
0028901593 20300901 2,149.24 300,000.00 299,575.15 1 550,000.00 Standard
0028902534 20300901 2,249.81 296,000.00 295,630.76 1 384,000.00 Reduced
0028902583 20301001 2,629.43 350,000.00 349,645.35 1 445,000.00 Standard
0028902807 20300901 2,083.70 267,900.00 267,582.52 1 282,000.00 Reduced 06
0028903011 20301001 3,526.87 475,000.00 474,689.28 1 675,000.00 Standard
0028903128 20301001 3,581.44 482,350.00 482,034.47 1 610,000.00 Standard
0028903201 20300901 2,280.22 300,000.00 299,625.76 6 435,000.00 Standard
0028903243 20300901 3,344.32 440,000.00 439,451.12 1 550,000.00 Standard
0028904704 20300901 2,374.00 316,000.00 315,595.62 1 395,000.00 Reduced
0028906071 20301001 3,029.39 408,000.00 407,733.11 1 585,000.00 Reduced
0028906295 20300901 2,354.71 309,800.00 309,277.58 1 700,000.00 Reduced
0028906576 20300901 3,262.68 444,650.00 444,051.31 8 905,000.00 Reduced
0028907772 20300901 3,858.51 513,600.00 512,942.73 1 642,000.00 Standard
0028907996 20300901 3,125.27 416,000.00 415,467.64 1 525,000.00 Standard
0028908655 20300901 2,261.49 311,900.00 311,469.21 1 390,000.00 Reduced
0028909679 20300901 2,465.24 340,000.00 339,530.48 1 425,000.00 Reduced
0028909737 20300901 2,067.40 272,000.00 271,660.68 1 370,000.00 Reduced
0028909935 20300901 2,328.93 310,000.00 309,603.28 1 433,000.00 Standard
0028909943 20301001 2,319.17 308,700.00 308,503.14 1 352,500.00 Standard 35
0028909976 20301001 3,040.29 400,000.00 399,751.38 8 525,000.00 Standard
0028910511 20300901 2,905.72 377,900.00 377,440.52 1 504,000.00 Reduced
0028910750 20301001 2,575.09 338,796.00 338,585.42 1 425,000.00 Reduced
0028910776 20301001 3,648.35 480,000.00 479,701.65 1 600,000.00 Reduced
0028911238 20300901 4,079.74 556,000.00 555,251.37 1 695,000.00 Reduced
0028911998 20300901 2,021.03 265,900.00 265,568.31 1 280,000.00 Standard 01
0028912533 20301001 2,356.23 310,000.00 309,807.23 1 410,000.00 Standard
0028912699 20300901 2,644.49 340,000.00 339,597.08 1 425,000.00 Standard
0028914190 20301001 2,398.79 315,600.00 315,403.84 1 420,800.00 Reduced
0028914984 20300901 2,911.18 370,050.00 369,622.65 1 494,000.00 Reduced
0028915346 20300901 3,005.07 400,000.00 399,488.11 1 640,000.00 Standard
0028915858 20300901 2,491.14 327,750.00 327,341.14 6 437,000.00 Reduced
0028917706 20300901 2,037.44 271,200.00 270,852.93 1 339,000.00 Standard
0028918167 20300901 2,479.18 330,000.00 329,577.69 1 740,000.00 Reduced
0028918191 20300901 2,420.24 307,644.00 307,286.71 1 353,000.00 Reduced 35
0028918340 20300901 2,561.25 333,100.00 332,694.99 8 495,000.00 Standard
0028918464 20300901 2,562.79 333,300.00 332,894.74 1 435,000.00 Standard
0028918522 20301001 2,048.33 272,650.00 272,476.14 1 287,000.00 Standard 06
0028918571 20301001 2,395.60 308,000.00 307,818.15 1 385,000.00 Standard
0028919017 20300901 2,616.08 328,800.00 328,429.98 1 416,000.00 Reduced
0028919843 20300901 2,163.65 288,000.00 287,631.44 1 325,000.00 Standard 01
0028919884 20300901 2,668.50 355,200.00 354,745.44 1 450,000.00 Standard
0028919892 20301001 3,688.72 491,000.00 490,686.91 8 830,000.00 Standard
0028920106 20300901 3,304.56 393,000.00 392,611.85 8 700,000.00 Reduced
0028920130 20300901 3,098.97 412,500.00 411,972.13 1 560,000.00 Standard
0028920197 20300901 3,500.10 455,200.00 454,524.05 1 577,500.00 Standard
0028920270 20301001 3,534.29 476,000.00 475,688.63 1 595,000.00 Standard
0028920288 20301001 3,867.93 460,000.00 459,773.74 1 575,000.00 Standard
0028920551 20301001 2,177.54 303,950.00 303,735.47 1 380,000.00 Standard
0028920817 20300901 2,157.64 287,200.00 286,832.46 1 364,000.00 Reduced
0028921369 20300901 2,779.69 370,000.00 369,526.50 1 484,500.00 Reduced
0028921377 20301001 3,756.34 500,000.00 499,681.16 1 1,461,000.00 Reduced
0028921484 20300901 2,097.80 276,000.00 275,655.70 1 347,000.00 Reduced
0028921534 20300901 2,371.43 312,000.00 311,610.79 8 350,000.00 Reduced 01
0028921807 20300901 2,291.46 288,000.00 287,675.89 8 320,000.00 Reduced 13
0028922037 20300901 2,280.22 300,000.00 299,625.76 1 420,000.00 Standard
0028922078 20301001 2,758.65 367,200.00 366,965.85 1 459,000.00 Reduced
0028922698 20301001 2,133.60 284,000.00 283,818.90 1 360,000.00 Standard
0028923167 20300901 3,606.08 480,000.00 479,385.74 8 625,000.00 Reduced
0028923324 20301001 3,723.62 468,000.00 467,737.63 8 585,000.00 Reduced
0028923639 20301001 2,432.24 320,000.00 319,801.09 6 450,000.00 Standard
0028923654 20300901 2,033.19 267,500.00 267,166.32 1 283,000.00 Reduced 12
0028923696 20300901 2,106.93 277,200.00 276,854.19 1 308,000.00 Standard 06
0028924405 20301001 2,625.68 349,500.00 349,277.13 6 466,000.00 Standard
0028924694 20300901 2,279.46 299,900.00 299,525.18 1 370,000.00 Reduced 35
0028924900 20300901 2,432.23 320,000.00 319,600.82 8 400,000.00 Reduced
0028924918 20301001 2,883.43 375,000.00 374,772.82 8 482,000.00 Reduced
0028924959 20301001 3,111.16 400,000.00 399,763.84 1 580,000.00 Standard
0028925766 20301001 2,458.90 327,300.00 326,968.35 8 416,000.00 Reduced
0028926038 20300901 2,259.99 308,000.00 307,585.31 1 385,000.00 Reduced
0028926160 20301001 2,708.90 356,400.00 356,178.48 1 400,000.00 Reduced 06
0028926483 20300901 2,591.24 337,000.00 336,590.24 1 450,000.00 Reduced
0028926632 20301001 5,766.85 750,000.00 749,545.65 8 970,000.00 Standard
0028927051 20300901 2,764.67 368,000.00 367,529.05 8 460,000.00 Standard
0028927598 20301001 3,104.49 403,750.00 403,505.41 8 475,000.00 Reduced 12
0028927770 20301001 4,854.90 646,229.00 645,816.92 1 810,000.00 Reduced
0028927861 20300801 2,085.64 274,400.00 273,884.74 1 343,000.00 Reduced
0028927895 20300901 2,705.20 340,000.00 339,612.52 1 445,000.00 Standard
0028928034 20300901 2,257.15 293,550.00 293,193.06 1 317,000.00 Reduced 13
0028928406 20301001 2,216.24 295,000.00 294,811.89 8 380,000.00 Reduced
0028928745 20300901 2,335.09 322,050.00 321,605.27 1 345,000.00 Reduced 35
0028929313 20300901 2,534.16 314,950.00 313,901.16 1 350,000.00 Reduced 06
0028929529 20301001 2,280.22 300,000.00 299,813.53 1 345,000.00 Reduced 06
0028929545 20301001 2,905.71 396,000.00 395,734.29 1 500,000.00 Reduced
0028929578 20301001 7,512.67 1,000,000.00 999,362.33 1 2,800,000.00 Standard
0028929883 20300901 3,040.29 400,000.00 398,999.75 8 675,000.00 Reduced
0028930501 20300901 2,191.07 291,650.00 291,276.77 1 365,000.00 Standard
0028930584 20300701 2,259.81 300,800.00 299,940.96 1 415,000.00 Standard
0028931020 20300901 2,583.89 348,000.00 347,543.18 1 460,000.00 Standard
0028931053 20300801 2,168.15 275,600.00 275,120.82 1 380,000.00 Standard
0028931145 20301001 2,432.23 320,000.00 319,801.10 1 410,000.00 Reduced
0028931178 20301001 1,975.81 259,950.00 259,788.42 1 325,000.00 Reduced
0028931269 20300801 4,519.26 568,000.00 564,392.25 1 710,000.00 Standard
0028931319 20301001 2,767.90 344,000.00 343,812.10 6 480,000.00 Reduced
0028931384 20301001 2,736.26 360,000.00 359,776.24 1 450,000.00 Reduced
0028931434 20300701 2,150.50 286,250.00 285,272.29 1 360,000.00 Standard
0028931467 20300801 2,014.19 265,000.00 264,225.99 8 312,000.00 Standard 06
0028931533 20301001 2,437.03 293,000.00 292,852.03 6 420,000.00 Standard
0028931939 20300801 2,614.65 344,000.00 343,354.06 1 433,000.00 Standard
0028932929 20300901 2,498.97 325,000.00 324,604.83 6 450,000.00 Reduced
0028933091 20301001 2,306.74 300,000.00 299,818.26 8 500,000.00 Standard
0028933174 20300601 2,178.12 270,700.00 269,838.09 1 285,000.00 Standard 35
0028933216 20300801 2,921.87 380,000.00 379,304.48 1 680,000.00 Standard
0028933471 20300901 2,361.98 314,400.00 313,997.66 8 393,000.00 Standard
0028933497 20300701 2,358.26 303,200.00 302,476.20 1 379,000.00 Standard
0028934156 20301001 3,242.33 398,500.00 398,287.93 8 598,000.00 Reduced
0028934230 20301001 2,667.00 355,000.00 354,773.63 1 650,000.00 Standard
0028934909 20301001 2,022.26 260,000.00 259,846.49 1 356,000.00 Standard
0028935047 20301001 2,386.93 300,000.00 299,831.82 8 445,000.00 Standard
0028935476 20300901 3,557.14 468,000.00 467,416.18 1 590,000.00 Standard
0028935526 20300801 2,523.44 332,000.00 331,351.73 1 415,000.00 Standard
0028935559 20300901 2,666.59 346,800.00 346,267.55 1 435,000.00 Standard
0028935567 20300801 2,238.63 301,500.00 300,904.32 1 336,000.00 Standard 35
0028935575 20300801 4,248.18 540,000.00 539,061.13 1 675,000.00 Standard
0028935583 20300801 2,669.93 331,824.00 331,276.15 1 370,000.00 Standard 06
0028935617 20300801 1,976.19 260,000.00 259,511.79 1 325,000.00 Standard
0028935641 20300801 3,723.62 468,000.00 466,323.12 1 520,000.00 Standard 06
0028935666 20300801 1,989.35 264,800.00 264,289.95 1 331,000.00 Standard
0028935708 20300801 2,643.31 336,000.00 335,415.82 1 420,000.00 Standard
0028935757 20300801 2,194.90 279,000.00 278,514.91 6 310,000.00 Standard 35
0028935799 20300701 2,422.08 315,000.00 314,228.54 1 450,000.00 Standard
0028935831 20300801 2,328.93 310,000.00 309,402.87 1 387,500.00 Standard
0028935856 20300801 2,189.01 288,000.00 287,459.21 1 369,000.00 Standard
0028935872 20300801 2,394.23 315,000.00 314,408.52 1 415,000.00 Standard
0028935880 20300801 2,769.19 352,000.00 351,387.99 1 449,000.00 Standard
0028935898 20300801 3,044.24 410,000.00 409,025.83 1 810,000.00 Standard
0028936185 20300801 3,344.50 430,000.00 429,232.89 8 590,000.00 Standard
0028936292 20300801 2,257.53 293,600.00 293,062.62 8 367,000.00 Standard
0028936466 20300801 2,914.43 358,200.00 357,595.86 1 450,000.00 Standard 06
0028936490 20300601 2,198.58 292,650.00 291,704.02 1 375,000.00 Standard
0028936557 20300701 2,401.83 316,000.00 315,206.10 1 406,000.00 Standard
0028936573 20300801 2,177.81 280,000.00 279,500.49 8 400,000.00 Standard
0028936870 20301001 2,598.74 350,000.00 349,771.05 6 675,000.00 Standard
0028938314 20301001 2,004.74 270,000.00 269,823.39 1 420,000.00 Reduced
0028938934 20301001 2,073.50 276,000.00 275,824.00 1 350,000.00 Reduced
0028940666 20301001 3,219.45 418,700.00 418,446.34 1 530,000.00 Reduced
0028940880 20301001 2,052.20 270,000.00 269,832.18 1 302,000.00 Standard 12
0028941102 20301001 2,386.93 300,000.00 299,831.82 6 420,000.00 Reduced
0028941557 20301001 2,097.80 276,000.00 275,828.45 8 345,000.00 Standard
0028941805 20301001 3,040.29 400,000.00 399,751.38 8 540,000.00 Standard
0028942688 20300901 2,524.49 340,000.00 338,786.26 1 427,000.00 Standard
0028942829 20301001 2,288.20 301,050.00 300,862.88 1 390,000.00 Reduced
0028942936 20301001 3,017.87 397,050.00 396,603.21 1 497,300.00 Standard
0028942969 20301001 2,629.43 350,000.00 349,776.82 8 550,000.00 Reduced
0028945533 20301001 3,117.37 419,850.00 419,575.36 1 545,000.00 Reduced
0028945616 20301001 2,253.80 300,000.00 299,808.70 1 495,000.00 Standard
0028946622 20301001 2,563.17 322,150.00 321,969.40 1 379,000.00 Reduced 06
0028946671 20301001 2,553.84 336,000.00 335,791.16 1 425,000.00 Reduced
0028946838 20301001 2,426.32 304,950.00 304,779.04 1 390,000.00 Reduced
0028947562 20301001 2,454.38 319,200.00 319,006.62 1 400,000.00 Standard
0028947570 20301001 3,101.10 408,000.00 407,746.40 1 510,000.00 Standard
0028947620 20301001 2,932.49 394,950.00 394,691.65 8 515,000.00 Reduced
0028947794 20300901 2,821.49 380,000.00 379,501.17 1 475,000.00 Standard
0028948180 20301001 2,993.20 372,000.00 371,796.80 8 425,000.00 Reduced 06
0028948636 20301001 2,254.23 303,600.00 303,401.31 1 383,000.00 Standard
0028949873 20301001 2,163.65 288,000.00 287,816.35 1 398,500.00 Standard
0028950095 20301001 4,883.23 650,000.00 649,585.52 1 900,000.00 Standard
0028950319 20301001 3,764.19 495,241.00 494,933.18 1 661,000.00 Standard
0028950368 20301001 2,231.26 297,000.00 296,810.62 1 340,000.00 Standard 06
0028951309 20300901 2,202.31 289,750.00 289,388.55 1 377,000.00 Reduced
0028951457 20300901 2,452.10 330,250.00 329,816.47 1 430,000.00 Standard
0028951473 20300901 4,078.64 555,850.00 555,101.57 1 742,000.00 Standard
0028951481 20300901 1,983.80 258,000.00 257,469.52 1 301,000.00 Standard 11
0028951523 20300901 2,198.33 285,900.00 285,552.36 1 360,000.00 Standard
0028951564 20300901 2,103.55 280,000.00 279,641.67 1 355,000.00 Standard
0028952000 20300701 2,050.96 273,000.00 272,296.45 8 385,000.00 Reduced
0028952034 20300701 2,080.82 264,500.00 263,535.41 8 393,500.00 Reduced
0028952109 20300801 2,166.30 266,250.00 265,821.69 6 355,000.00 Reduced
0028952232 20300801 2,297.20 285,500.00 285,009.33 1 302,000.00 Standard 01
0028952273 20300901 2,078.99 280,000.00 279,632.44 1 350,000.00 Reduced
0028952356 20300901 3,892.87 550,000.00 549,201.31 1 900,000.00 Reduced
0028952398 20300901 1,945.37 268,300.00 267,874.50 1 345,000.00 Reduced
0028952414 20300901 2,227.50 300,000.00 299,600.15 1 320,000.00 Reduced 01
0028952422 20300901 2,451.39 326,300.00 325,882.41 1 408,000.00 Reduced
0028952588 20300901 2,228.76 286,550.00 286,210.42 1 359,000.00 Standard
0028952687 20300901 2,447.28 329,600.00 329,167.32 1 412,000.00 Standard
0028952893 20300901 2,339.45 311,400.00 311,001.49 1 350,000.00 Standard 01
0028952976 20300901 2,541.92 338,350.00 337,916.99 1 469,000.00 Standard
0028953248 20301001 2,903.16 391,000.00 390,744.24 8 560,000.00 Reduced
0028953289 20301001 2,462.28 327,750.00 327,541.00 6 437,000.00 Standard
0028953412 20300801 3,567.76 464,000.00 463,150.74 8 580,000.00 Standard
0028953420 20300701 2,253.80 300,000.00 299,226.87 1 350,000.00 Reduced 24
0028954220 20300901 2,442.37 325,100.00 324,683.96 1 410,000.00 Standard
0028954618 20301001 2,128.20 280,000.00 279,825.97 1 440,000.00 Reduced
0028954774 20301001 2,616.55 344,250.00 344,036.03 1 495,000.00 Standard
0028954790 20301001 4,438.82 584,000.00 583,637.01 1 730,000.00 Reduced
0028955003 20301001 2,660.05 342,000.00 341,798.08 6 500,000.00 Standard
0028955367 20300301 3,781.88 496,000.00 495,032.64 1 620,000.00 Reduced
0028955714 20301001 3,057.21 397,600.00 397,359.12 1 497,000.00 Standard
0028956340 20300901 3,146.80 400,000.00 399,538.06 8 450,000.00 Standard 06
0028956381 20300701 2,517.45 320,000.00 319,255.44 6 400,000.00 Standard
0028956423 20300701 4,940.47 650,000.00 648,366.96 8 825,000.00 Standard
0028956464 20300801 2,482.41 312,000.00 311,471.36 8 390,000.00 Reduced
0028956506 20300701 4,826.46 635,000.00 633,404.64 8 1,685,000.00 Standard
0028956555 20300801 2,705.19 340,000.00 339,423.92 8 425,000.00 Standard
0028956605 20300801 3,537.00 460,000.00 459,158.05 8 577,000.00 Standard
0028956639 20300801 3,064.98 389,600.00 388,922.63 1 490,000.00 Standard
0028956654 20300901 2,103.55 280,000.00 279,641.67 8 385,000.00 Reduced
0028956670 20300701 2,509.73 326,400.00 325,600.62 1 420,000.00 Standard
0028956761 20300801 2,587.87 332,720.00 331,697.87 1 417,000.00 Reduced
0028956811 20300901 3,437.83 442,000.00 441,476.22 1 522,000.00 Reduced 01
0028957355 20301001 2,268.44 298,450.00 298,264.49 1 315,000.00 Standard 35
0028957603 20301001 2,874.96 401,300.00 401,016.77 1 515,000.00 Standard
0028958353 20300701 2,177.82 280,000.00 279,294.14 1 362,000.00 Reduced
0028958361 20300801 2,368.25 308,000.00 307,436.26 1 398,000.00 Standard
0028958411 20300801 3,182.58 400,000.00 399,322.26 1 510,000.00 Reduced
0028958445 20301001 2,078.99 280,000.00 279,816.84 1 350,000.00 Reduced
0028958452 20300901 2,308.48 296,800.00 296,448.28 1 371,000.00 Standard
0028958494 20300701 2,297.17 292,000.00 291,320.61 1 370,000.00 Standard
0028958502 20300801 2,341.02 308,000.00 307,421.66 1 385,000.00 Standard
0028958536 20300701 2,488.93 320,000.00 319,236.09 6 400,000.00 Reduced
0028958569 20300701 2,368.25 308,000.00 307,245.67 1 398,000.00 Reduced
0028958627 20300801 2,257.53 293,600.00 293,062.62 1 370,000.00 Reduced
0028959807 20301001 1,981.13 260,650.00 260,487.99 1 328,000.00 Standard
0028959823 20300901 2,916.71 375,000.00 374,555.60 6 475,000.00 Standard
0028959898 20300901 2,955.16 388,800.00 388,314.98 1 486,000.00 Standard
0028959922 20300901 3,946.12 485,000.00 484,481.83 6 680,000.00 Standard
0028959963 20300801 2,439.00 317,200.00 316,619.40 1 398,500.00 Standard
0028960474 20300901 2,381.91 309,776.00 305,287.91 8 425,000.00 Standard
0028960508 20300801 2,238.41 294,500.00 293,947.02 1 325,000.00 Standard 06
0028960516 20300901 2,527.82 325,000.00 324,614.86 1 675,000.00 Standard
0028960524 20300901 3,800.36 500,000.00 499,376.26 1 1,100,000.00 Standard
0028960532 20300801 2,187.56 284,500.00 283,979.28 6 515,000.00 Standard
0028960565 20300901 2,219.04 291,950.00 291,585.79 1 370,000.00 Standard
0028960573 20300901 2,360.10 300,000.00 299,653.53 1 490,000.00 Standard
0028960615 20300901 2,928.02 380,800.00 380,316.85 1 480,000.00 Standard
0028960631 20300901 2,821.49 380,000.00 379,501.17 1 550,000.00 Standard
0028960649 20300901 2,921.87 380,000.00 379,537.96 1 510,000.00 Standard
0028960946 20300901 2,553.84 336,000.00 335,580.86 1 420,000.00 Standard
0028960961 20300901 2,735.72 340,000.00 339,627.17 6 425,000.00 Standard
0028960995 20300901 3,229.44 420,000.00 419,489.32 6 560,000.00 Standard
0028961035 20300901 2,283.85 304,000.00 303,610.96 1 380,000.00 Standard
0028961100 20300901 2,177.81 280,000.00 279,668.18 1 350,000.00 Standard
0028961126 20300801 2,736.26 360,000.00 359,324.01 1 455,000.00 Standard
0028961605 20301001 2,614.31 340,000.00 339,794.02 1 516,000.00 Reduced
0028961860 20301001 2,113.25 288,000.00 287,606.75 1 360,000.00 Standard
0028962116 20301001 2,527.50 352,800.00 352,551.00 1 443,000.00 Standard
0028962314 20301001 2,940.29 396,000.00 395,740.96 1 505,000.00 Standard
0028962439 20301001 2,561.82 341,000.00 340,782.56 1 383,000.00 Standard 35
0028962470 20300801 2,401.83 316,000.00 315,406.65 8 395,000.00 Standard
0028962603 20301001 2,227.49 300,000.00 299,803.76 1 710,000.00 Standard
0028962876 20301001 2,768.09 360,000.00 359,781.91 1 485,000.00 Standard
0028962884 20300901 2,225.49 292,800.00 292,434.74 1 366,000.00 Standard
0028962991 20300801 3,283.13 431,950.00 431,138.91 1 490,000.00 Standard 06
0028963015 20300801 2,184.71 284,130.00 283,609.97 1 316,000.00 Standard 06
0028963148 20300901 2,632.04 338,400.00 337,998.97 8 376,000.00 Standard 06
0028963155 20301001 2,451.01 326,250.00 326,041.96 1 410,000.00 Standard
0028963189 20300901 3,101.09 408,000.00 407,491.04 1 510,000.00 Standard
0028963395 20300801 2,084.48 268,000.00 267,521.89 1 335,000.00 Standard
0028963411 20300901 1,972.26 256,500.00 256,188.12 1 270,000.00 Standard 13
0028963437 20300901 3,321.71 432,000.00 431,474.73 1 542,000.00 Standard
0028963502 20300901 2,240.54 281,600.00 281,170.23 1 399,000.00 Standard
0028963544 20300601 2,265.02 298,000.00 297,060.85 1 375,000.00 Reduced
0028963601 20300901 3,007.99 391,200.00 390,724.34 1 510,000.00 Standard
0028963742 20300701 2,869.54 345,000.00 334,216.75 6 736,000.00 Reduced
0028963767 20300501 2,121.03 272,700.00 271,782.62 8 380,000.00 Standard 11
0028963775 20301001 2,921.88 380,000.00 379,769.79 8 500,000.00 Reduced
0028963833 20300701 3,670.66 506,250.00 504,609.73 1 675,000.00 Standard
0028963882 20300601 3,305.57 440,000.00 438,577.69 6 600,000.00 Standard
0028963957 20300801 2,289.43 294,350.00 293,824.87 1 376,000.00 Standard
0028963973 20300601 2,706.25 344,000.00 342,339.44 1 440,000.00 Standard
0028964013 20300901 2,404.06 320,000.00 319,590.48 1 400,000.00 Standard
0028964070 20300801 2,253.80 300,000.00 299,422.14 1 325,000.00 Standard 24
0028964088 20300901 3,075.65 400,000.00 399,513.65 1 500,000.00 Standard
0028964096 20300701 3,933.50 500,000.00 498,836.68 1 1,800,000.00 Standard
0028964146 20300901 3,040.29 400,000.00 399,501.02 1 520,000.00 Standard
0028964179 20300801 3,290.70 400,000.00 399,373.06 1 565,000.00 Standard
0028964260 20300901 2,520.50 335,500.00 335,070.65 1 420,000.00 Standard
0028964294 20301001 2,554.31 340,000.00 339,783.19 1 515,000.00 Standard
0028964393 20300901 3,587.54 472,000.00 471,404.66 8 590,000.00 Standard
0028964427 20300901 2,060.69 268,000.00 267,674.13 1 337,000.00 Standard
0028964435 20300901 2,152.96 280,000.00 279,659.54 1 350,000.00 Standard
0028964468 20300901 2,148.89 270,082.00 269,772.15 1 301,000.00 Standard 13
0028964484 20300801 7,581.72 997,500.00 995,626.96 1 1,500,000.00 Standard
0028964534 20300901 4,231.18 544,000.00 543,314.08 1 685,000.00 Standard
0028964542 20300901 2,395.60 308,000.00 307,634.99 8 385,000.00 Standard
0028964575 20300901 3,921.46 510,000.00 509,379.89 1 695,000.00 Standard
0028964591 20301001 2,517.32 323,650.00 323,458.89 1 428,000.00 Reduced 11
0028965242 20300901 3,085.27 401,250.00 400,747.28 1 545,000.00 Standard
0028965309 20300901 3,420.33 450,000.00 449,408.48 1 650,000.00 Standard
0028965341 20300901 2,522.04 328,000.00 327,601.18 1 410,000.00 Standard
0028965382 20300901 2,435.39 328,000.00 327,569.43 1 412,000.00 Standard
0028965390 20300701 3,888.56 499,950.00 498,756.50 8 650,000.00 Standard
0028965432 20300901 2,152.96 280,000.00 279,659.54 1 364,000.00 Standard
0028965747 20301001 3,142.25 423,200.00 422,923.17 1 545,000.00 Reduced
0028965762 20300901 3,090.65 401,950.00 401,461.27 1 539,990.00 Standard
0028965846 20300801 2,766.66 364,000.00 363,207.59 1 459,000.00 Standard
0028965861 20300901 2,580.38 328,000.00 327,621.12 1 455,000.00 Standard
0028965903 20300901 2,038.15 274,500.00 273,989.96 1 307,500.00 Standard 01
0028965911 20300901 2,400.19 298,300.00 297,878.69 1 314,000.00 Reduced 12
0028966166 20300901 2,038.51 268,200.00 267,828.73 1 299,000.00 Standard 12
0028966216 20300901 2,912.04 374,400.00 373,953.33 1 469,000.00 Standard
0028966232 20300801 2,333.37 300,000.00 299,464.81 1 550,000.00 Standard
0028966257 20300901 3,433.49 451,732.00 451,168.48 1 565,000.00 Standard
0028966356 20300901 2,226.77 289,600.00 289,247.88 1 306,000.00 Standard 13
0028966398 20300801 2,045.20 262,950.00 262,432.03 1 330,000.00 Standard
0028966414 20300801 2,437.98 309,900.00 309,361.21 1 417,000.00 Standard
0028966430 20300901 3,933.11 499,950.00 477,158.15 6 1,100,000.00 Standard
0028966455 20300901 1,982.78 257,868.00 257,554.46 1 286,500.00 Standard 12
0028966463 20300701 2,880.81 383,460.00 382,471.78 1 551,000.00 Standard
0028966471 20300801 2,702.06 355,500.00 354,832.46 1 395,000.00 Standard 11
0028966505 20300701 3,500.05 450,000.00 448,925.77 1 657,000.00 Standard
0028966513 20300801 3,025.09 398,000.00 397,252.66 1 450,000.00 Standard 12
0028966570 20300901 2,556.78 325,000.00 324,624.66 1 425,000.00 Standard
0028966596 20300901 2,657.10 316,000.00 315,687.91 1 400,000.00 Standard
0028966638 20300801 2,739.26 356,250.00 355,597.94 6 475,000.00 Standard
0028966653 20301001 2,964.29 390,000.00 389,757.59 8 530,000.00 Reduced
0028966687 20300801 2,536.12 318,750.00 318,209.93 1 375,000.00 Standard 06
0028966729 20300801 2,435.39 328,000.00 327,351.94 1 430,000.00 Standard
0028966745 20300801 2,178.67 290,000.00 289,441.40 1 390,000.00 Standard
0028966778 20300801 3,496.33 460,000.00 459,136.25 1 575,000.00 Standard
0028966786 20300801 3,398.55 432,000.00 431,248.90 1 540,000.00 Reduced
0028966810 20300801 3,020.93 384,000.00 383,232.37 1 482,000.00 Standard
0028966836 20300901 3,800.36 500,000.00 499,376.27 1 660,000.00 Standard
0028966851 20300801 2,379.06 292,400.00 291,929.62 1 348,000.00 Standard 12
0028966901 20300901 2,189.01 288,000.00 287,640.73 1 361,000.00 Reduced
0028966919 20300801 2,781.86 366,000.00 365,312.77 1 458,000.00 Standard
0028966935 20300601 3,187.72 455,900.00 454,187.00 1 574,000.00 Standard
0028966943 20300901 3,888.95 500,000.00 499,238.83 1 810,000.00 Standard
0028966950 20300801 4,414.07 587,550.00 586,418.27 1 740,000.00 Reduced
0028966976 20300901 2,650.73 370,000.00 369,476.02 6 495,000.00 Standard
0028967008 20300901 4,375.07 562,500.00 561,833.41 6 755,000.00 Standard
0028967016 20300901 2,172.48 270,000.00 269,203.93 1 300,000.00 Standard 12
0028967032 20300801 2,583.55 336,000.00 335,385.02 1 420,000.00 Standard
0028967057 20300801 3,241.21 412,000.00 411,283.68 1 515,000.00 Standard
0028967073 20300801 2,352.04 302,400.00 301,760.52 1 379,000.00 Standard
0028967081 20300801 2,286.89 308,000.00 287,214.93 1 385,000.00 Standard
0028967115 20300901 2,187.03 278,000.00 277,678.94 1 395,000.00 Standard
0028967156 20300801 2,294.44 298,400.00 297,853.84 1 375,000.00 Standard
0028967172 20300901 2,194.89 279,000.00 278,677.79 1 350,000.00 Reduced
0028967180 20300801 2,950.13 375,000.00 374,348.01 1 605,000.00 Standard
0028967198 20300801 2,460.52 320,000.00 319,314.29 1 520,000.00 Standard
0028967206 20300801 2,888.27 380,000.00 379,286.47 1 550,000.00 Standard
0028967230 20300901 2,614.31 340,000.00 339,586.58 1 427,000.00 Standard
0028967271 20300801 4,690.98 546,000.00 545,229.56 6 1,050,000.00 Standard
0028967289 20300801 2,508.24 330,000.00 329,380.35 1 370,000.00 Standard 06
0028967305 20300901 4,327.30 576,000.00 575,262.87 1 720,000.00 Reduced
0028967321 20300801 2,899.73 364,450.00 363,832.50 1 425,000.00 Standard 11
0028967354 20300801 3,653.09 492,000.00 491,027.93 1 645,000.00 Standard
0028967552 20300801 2,991.62 376,000.00 375,362.91 1 470,000.00 Standard
0028967560 20300901 3,500.06 450,000.00 449,466.73 6 600,000.00 Reduced
0028967586 20300801 2,028.51 273,200.00 272,660.20 1 347,000.00 Standard
0028967594 20300801 2,672.99 360,000.00 359,288.72 6 500,000.00 Reduced
0028967602 20300801 2,438.78 310,000.00 309,461.01 1 407,000.00 Standard
0028967610 20300801 4,026.19 542,250.00 541,178.63 1 723,000.00 Standard
0028967628 20300801 5,112.77 649,900.00 648,770.05 1 990,000.00 Standard
0028967636 20300801 2,121.43 275,900.00 275,395.01 1 345,000.00 Standard
0028967644 20300801 2,164.15 272,000.00 271,539.14 1 340,000.00 Reduced
0028967651 20300801 2,142.81 275,500.00 275,008.51 1 291,000.00 Standard 06
0028967669 20300801 3,605.79 438,300.00 437,613.05 1 561,000.00 Standard
0028967677 20300801 3,146.80 400,000.00 399,304.54 1 540,000.00 Reduced
0028967685 20300801 3,836.84 504,800.00 503,852.12 1 668,000.00 Reduced
0028967693 20300901 2,019.95 265,757.00 265,425.47 1 385,000.00 Reduced
0028967719 20300801 3,363.42 400,000.00 399,405.06 8 555,000.00 Standard
0028967727 20300801 2,527.82 325,000.00 324,420.21 8 442,000.00 Reduced
0028967743 20300601 2,549.97 300,000.00 299,269.78 1 375,000.00 Standard
0028967750 20300801 3,313.92 436,000.00 435,181.31 1 547,000.00 Reduced
0028967792 20300901 3,260.31 439,100.00 438,523.58 1 549,000.00 Reduced
0028967800 20300801 2,862.27 368,000.00 367,343.50 1 465,000.00 Standard
0028967826 20300901 2,041.87 275,000.00 274,639.00 1 522,490.00 Reduced
0028967834 20300801 2,360.11 300,000.00 299,478.38 8 375,000.00 Reduced
0028967859 20300801 2,294.45 282,000.00 281,546.34 1 353,000.00 Reduced
0028967891 20300801 2,052.20 270,000.00 269,493.00 1 342,000.00 Standard
0028967909 20300801 2,482.41 312,000.00 311,471.36 1 414,000.00 Standard
0028968519 20300901 2,239.85 291,300.00 290,945.81 1 365,000.00 Reduced
0028968568 20300901 2,063.77 268,400.00 268,073.65 1 299,000.00 Reduced 01
0028968618 20300901 2,267.68 298,350.00 297,977.81 1 373,000.00 Reduced
0028968634 20300901 2,312.76 297,350.00 296,997.62 1 332,000.00 Reduced 11
0028968659 20300901 2,015.28 268,250.00 267,906.70 1 394,000.00 Standard
0028968675 20300901 2,280.22 300,000.00 299,625.76 1 627,000.00 Standard
0028968709 20300901 3,304.80 434,800.00 434,257.60 1 544,000.00 Standard
0028968717 20300901 4,712.96 650,000.00 649,089.77 1 1,130,000.00 Reduced
0028968725 20300901 2,031.68 267,300.00 266,966.54 1 282,000.00 Reduced 01
0028968741 20300901 3,145.00 404,350.00 403,870.82 1 505,491.00 Reduced
0028968758 20300901 2,347.71 312,500.00 312,094.46 1 391,000.00 Reduced
0028968774 20300901 3,075.66 400,000.00 399,513.63 1 725,000.00 Standard
0028968782 20300901 2,873.08 378,000.00 377,528.46 1 480,000.00 Reduced
0028968816 20300801 2,532.57 333,200.00 332,574.32 1 465,000.00 Reduced
0028968923 20300901 2,192.01 275,500.00 275,189.94 1 290,000.00 Reduced 12
0028968949 20300901 3,049.80 401,250.00 400,749.45 1 535,000.00 Standard
0028968956 20300901 2,272.05 306,000.00 305,598.30 1 350,000.00 Standard 12
0028968998 20300901 2,208.32 287,200.00 286,850.79 1 320,000.00 Standard 12
0028969012 20300901 1,730.75 220,000.00 219,745.91 1 275,000.00 Standard
0028969095 20300901 3,928.06 516,800.00 516,155.30 1 646,000.00 Standard
0028969103 20300901 3,294.92 433,500.00 432,959.22 6 625,000.00 Standard
0028969129 20300901 2,470.24 325,000.00 324,594.57 1 650,000.00 Standard
0028969137 20300901 2,221.01 288,850.00 288,498.78 1 385,000.00 Standard
0028969152 20300901 5,003.42 636,000.00 635,265.49 1 797,000.00 Reduced
0028969160 20300901 991.90 130,500.00 130,337.11 1 178,000.00 Standard
0028969194 20300901 2,068.93 266,000.00 265,679.97 1 296,000.00 Standard 12
0028969202 20300901 2,411.15 310,000.00 309,632.64 1 345,000.00 Standard 12
0028969210 20300901 2,386.07 303,300.00 302,949.71 1 340,000.00 Standard 06
0028969244 20300901 2,971.86 386,500.00 385,881.45 1 485,000.00 Standard
0028969269 20300901 2,395.60 308,000.00 307,634.99 1 458,000.00 Standard
0028969293 20300901 2,695.05 346,500.00 346,089.37 1 385,000.00 Standard 06
0028969301 20300901 3,343.56 439,900.00 439,351.25 1 552,000.00 Reduced
0028969327 20300901 2,355.98 313,600.00 313,198.67 1 392,000.00 Standard
0028969392 20300901 2,550.56 339,500.00 339,065.51 1 450,000.00 Standard
0028969418 20301001 2,691.20 350,000.00 349,787.97 8 605,000.00 Standard
0028972693 20301001 2,175.21 300,000.00 299,793.54 1 407,000.00 Reduced
0028972784 20301001 2,079.00 280,000.00 279,816.83 1 350,000.00 Reduced
0028975738 20301001 3,708.51 476,800.00 476,518.49 1 600,000.00 Standard
0028980662 20301001 2,028.86 276,500.00 276,314.47 1 308,000.00 Reduced 24
0028980746 20301001 2,524.49 340,000.00 339,777.59 1 473,000.00 Reduced
0028983344 20300901 3,111.22 404,625.00 404,133.01 1 545,000.00 Standard
0028983377 20300901 2,031.43 270,400.00 270,053.95 1 360,000.00 Standard
0028983898 20300901 2,175.21 300,000.00 299,585.73 1 340,000.00 Standard 11
0028985182 20300901 2,022.57 272,400.00 272,042.41 1 345,000.00 Reduced
0028985190 20300901 3,470.89 446,250.00 445,721.17 1 525,000.00 Standard 11
0028985224 20300901 2,407.44 299,200.00 298,764.79 1 315,000.00 Standard 13
0028985232 20300901 2,137.71 281,250.00 280,899.14 1 375,000.00 Reduced
0028985265 20300901 2,029.98 264,005.00 263,683.98 1 278,000.00 Standard 11
0028985331 20300901 3,340.17 434,400.00 433,871.80 1 545,000.00 Standard
0028985349 20300901 2,227.50 300,000.00 299,494.04 1 407,000.00 Standard
0028985372 20300801 2,101.45 273,300.00 272,799.75 1 295,000.00 Reduced 13
0028985406 20300901 2,524.26 336,000.00 335,570.01 1 420,000.00 Reduced
0028985414 20300901 2,088.53 278,000.00 277,644.22 1 360,000.00 Standard
0028985430 20300901 2,827.85 372,050.00 371,585.89 1 445,000.00 Standard 12
0028985513 20301001 2,470.23 325,000.00 324,798.00 1 416,500.00 Standard
0028988608 20301001 4,418.30 581,300.00 580,938.69 8 805,000.00 Reduced
0028988988 20301001 2,568.18 350,000.00 349,765.15 1 598,000.00 Reduced
0028989549 20301001 3,432.80 485,000.00 484,648.97 1 820,000.00 Reduced
0028991412 20300901 2,823.45 367,200.00 366,753.51 1 460,000.00 Standard
0028991727 20300901 2,450.04 315,000.00 314,626.71 1 350,000.00 Standard 11
4665982098 20290101 2,196.09 347,445.00 340,127.29 480,000.00
5000372572 20200501 2,113.69 252,700.00 248,688.80 1 394,000.00 Reduced
6000989399 20301101 2,560.11 348,900.00 348,900.00 1 440,000.00 Reduced
6001759379 20301001 2,825.23 385,031.00 384,772.64 1 485,888.00 Reduced
6002195300 20301001 2,153.25 290,000.00 289,810.29 8 385,000.00 Standard
6003536742 20301101 2,404.06 320,000.00 320,000.00 1 441,000.00 Reduced
6004994650 20301001 3,180.12 423,300.00 423,030.07 1 529,134.00 Reduced
6005872145 20301101 3,976.70 523,200.00 523,200.00 1 1,075,000.00 Standard
6006632142 20300901 4,035.71 550,000.00 549,259.46 6 2,300,000.00 Reduced
6010303557 20301001 2,606.62 339,000.00 338,794.63 8 725,000.00 Standard
6011710933 20300801 2,693.67 342,400.00 341,804.67 1 428,000.00 Reduced
6012104052 20301101 2,366.49 315,000.00 315,000.00 6 445,000.00 Standard
6012668775 20301001 3,245.18 431,960.00 431,684.55 1 556,000.00 Standard
6014048802 20301001 3,315.94 431,250.00 430,988.75 1 575,000.00 Reduced
6014074907 20300101 2,477.28 350,000.00 347,393.12 1 450,000.00 Reduced
6014685785 20301101 2,079.00 280,000.00 280,000.00 1 350,000.00 Reduced
6016310119 20301101 3,191.88 435,000.00 435,000.00 1 620,000.00 Reduced
6020276652 20300101 4,173.16 589,600.00 584,960.68 1 740,000.00 Reduced
6021332801 20301101 1,887.36 260,300.00 260,300.00 1 274,000.00 Standard 13
6022065715 20301001 3,110.25 414,000.00 413,736.00 8 570,000.00 Standard
6022465907 20301101 3,421.75 471,920.00 471,920.00 1 610,000.00 Reduced
6024702406 20301001 2,705.86 356,000.00 355,778.72 1 445,000.00 Reduced
6025180420 20301001 2,774.27 365,000.00 364,773.13 1 775,000.00 Reduced
6025968162 20301001 2,404.06 320,000.00 319,795.94 1 400,000.00 Standard
6027165551 20301101 2,132.46 287,200.00 287,200.00 1 359,000.00 Standard
6027313573 20301001 2,886.83 388,800.00 388,545.67 1 486,000.00 Reduced
6027599007 20301101 3,287.27 448,000.00 448,000.00 1 560,000.00 Reduced
6028420518 20301001 5,152.74 728,000.00 721,546.75 1 960,000.00 Standard
6028830906 20301001 2,435.40 328,000.00 327,785.43 1 410,000.00 Reduced
6029695233 20301001 2,500.51 325,200.00 325,002.99 1 362,000.00 Reduced 06
6031586289 20301101 2,103.55 280,000.00 280,000.00 1 350,000.00 Reduced
6031954495 20301001 2,214.48 288,000.00 287,825.52 1 360,000.00 Standard
6032235597 20301101 2,644.46 352,000.00 352,000.00 8 445,000.00 Standard
6037506679 20301101 2,755.27 380,000.00 380,000.00 1 840,000.00 Reduced
6038324940 20301001 2,430.91 309,000.00 308,822.22 6 750,000.00 Standard
6040239433 20301001 2,546.25 335,000.00 334,791.77 6 670,000.00 Standard
6041066546 20301001 2,900.65 386,100.00 385,853.79 1 429,000.00 Standard 12
6042427010 20301001 4,692.59 632,000.00 631,586.58 1 790,000.00 Standard
6043448494 20301001 2,998.77 390,000.00 389,763.73 1 520,000.00 Reduced
6043900221 20301001 4,460.63 615,200.00 614,776.62 1 769,000.00 Standard
6045871529 20301101 4,769.47 650,000.00 650,000.00 1 905,000.00 Standard
6047678765 20300801 3,996.44 508,000.00 507,116.78 1 726,000.00 Standard
6047719171 20301001 2,280.22 300,000.00 299,793.75 1 660,000.00 Standard
6048866203 20301001 4,044.51 520,000.00 519,692.99 1 650,000.00 Standard
6048917568 20301001 4,826.24 650,000.00 649,574.80 1 875,000.00 Standard
6049766543 20301001 5,525.20 710,371.00 709,951.59 8 5,100,000.00 Standard
6049877811 20301001 6,163.63 840,000.00 839,436.37 1 1,050,000.00 Standard
6050438560 20301001 2,930.84 385,600.00 385,360.33 1 490,000.00 Reduced
6050580692 20301101 2,707.00 364,580.00 364,580.00 8 468,000.00 Reduced
6052579841 20301001 2,249.82 296,000.00 295,816.01 1 373,000.00 Reduced
6052734065 20301001 3,183.31 414,000.00 413,749.19 1 460,000.00 Standard 06
6052778989 20301001 2,711.94 356,800.00 356,578.23 1 446,000.00 Reduced
6053033699 20301001 2,413.12 325,000.00 324,787.40 6 535,000.00 Reduced
6053856768 20301101 2,307.69 310,800.00 310,800.00 1 390,000.00 Reduced
6055001603 20301001 2,484.82 330,750.00 330,539.09 1 415,000.00 Reduced
6055757717 20301001 2,183.72 284,000.00 283,827.95 1 459,000.00 Standard
6055830449 20301001 2,494.80 340,000.00 339,771.87 1 428,000.00 Reduced
6057200203 20301001 2,332.60 299,900.00 299,722.93 1 379,000.00 Reduced
6058140762 20301001 3,128.78 426,400.00 426,113.89 1 540,000.00 Standard
6059455516 20301001 3,175.81 438,000.00 437,698.57 6 645,000.00 Standard
6062437915 20301001 2,401.83 316,000.00 315,803.59 1 395,000.00 Standard
6065229046 20301001 2,175.67 289,600.00 289,415.33 1 362,000.00 Reduced
6065510643 20301001 2,291.37 298,000.00 297,819.46 8 395,000.00 Standard
6065596964 20301001 2,227.50 300,000.00 299,803.75 1 375,000.00 Reduced
6065599240 20301001 2,190.37 295,000.00 294,807.03 1 394,000.00 Reduced
6067575875 20301101 2,850.28 375,000.00 375,000.00 8 1,200,000.00 Reduced
6069282983 20301001 2,440.12 324,800.00 324,592.88 1 407,000.00 Reduced
6069942172 20301101 4,246.77 600,000.00 600,000.00 1 750,000.00 Reduced
6070115560 20301101 4,036.80 525,000.00 525,000.00 1 815,000.00 Reduced
6072447573 20301001 3,572.34 470,000.00 469,707.87 1 670,000.00 Reduced
6072766774 20301101 6,603.89 900,000.00 900,000.00 1 1,395,000.00 Standard
6073372333 20301001 2,025.42 269,600.00 269,428.08 1 340,000.00 Reduced
6073666148 20301001 2,960.32 385,000.00 384,766.76 1 510,000.00 Standard
6073787266 20301101 2,603.14 346,500.00 346,500.00 6 495,000.00 Standard
6076504221 20301101 3,005.07 400,000.00 400,000.00 1 530,000.00 Reduced
6077010137 20301101 2,998.77 390,000.00 390,000.00 6 725,000.00 Standard
6077202692 20301001 2,053.00 267,000.00 266,838.25 1 340,000.00 Reduced
6078559819 20301001 2,205.22 297,000.00 296,805.72 1 337,000.00 Standard 13
6079089212 20301101 3,969.30 540,950.00 540,950.00 1 720,000.00 Standard
6080179705 20301001 5,256.89 708,000.00 707,536.86 1 885,000.00 Reduced
6080571018 20301101 2,059.92 267,900.00 267,900.00 1 282,000.00 Standard 06
6081414333 20301001 2,726.45 367,200.00 366,959.80 1 475,000.00 Reduced
6084170981 20301001 7,600.73 1,000,000.00 999,378.44 1 2,835,000.00 Standard
6085957402 20301001 2,949.09 388,000.00 387,758.83 1 495,000.00 Standard
6086952444 20301001 3,940.27 550,000.00 549,611.81 1 950,000.00 Standard
6087426232 20301101 2,265.07 301,500.00 301,500.00 1 337,000.00 Standard 13
6089102799 20301001 1,867.78 257,600.00 257,422.72 1 325,000.00 Standard
6090423986 20301101 2,509.24 334,000.00 334,000.00 1 509,000.00 Reduced
6090787182 20301101 3,664.97 493,600.00 493,600.00 1 620,000.00 Reduced
6090950459 20301001 2,914.92 388,000.00 387,752.58 1 485,000.00 Reduced
6091272861 20301001 2,944.94 383,000.00 382,767.98 1 540,000.00 Reduced
6092056040 20301001 3,266.99 440,000.00 439,712.18 1 600,000.00 Reduced
6095640394 20300901 3,727.17 479,200.00 478,631.71 1 600,000.00 Standard
6095891054 20301001 3,081.82 420,000.00 419,718.18 1 525,000.00 Reduced
6096075145 20301001 3,088.79 416,000.00 415,727.88 1 525,000.00 Reduced
6097808973 20301101 4,319.79 575,000.00 575,000.00 1 850,000.00 Standard
6098489500 20301101 3,248.32 448,000.00 448,000.00 1 565,000.00 Reduced
6098689463 20301001 2,888.28 380,000.00 379,763.80 8 475,000.00 Standard
6098824714 20301001 2,554.20 344,000.00 343,773.19 1 430,000.00 Standard
6099171743 20301001 2,044.60 269,000.00 268,832.80 1 299,000.00 Standard 12
6099881671 20301001 2,421.43 330,000.00 329,778.57 1 455,000.00 Standard
6101354212 20301001 3,326.08 437,600.00 437,328.00 1 547,000.00 Reduced
6102964449 20301001 2,482.42 312,000.00 311,825.08 1 420,000.00 Standard
6103886096 20201101 2,279.44 270,000.00 270,000.00 8 600,000.00 Standard
6104886251 20301101 1,966.49 268,000.00 268,000.00 1 400,000.00 Standard
6107080555 20301001 2,201.30 300,000.00 299,798.70 1 475,000.00 Reduced
6107143916 20301001 4,312.07 560,800.00 560,460.26 1 701,000.00 Standard
6108015733 20301101 2,580.93 347,600.00 347,600.00 1 435,000.00 Reduced
6109160538 20301001 2,944.97 392,000.00 391,750.03 1 492,000.00 Reduced
6110188437 20301101 3,030.80 418,000.00 418,000.00 1 525,000.00 Reduced
6110322978 20301101 2,681.59 348,750.00 348,750.00 6 465,000.00 Standard
6111244346 20301001 2,735.99 355,825.00 355,609.44 8 530,000.00 Standard
6112060378 20301001 2,228.72 286,545.00 286,375.82 1 405,000.00 Standard
6112753543 20301001 2,389.67 314,400.00 314,204.58 1 398,000.00 Reduced
6113368069 20301001 2,050.68 269,800.00 269,632.30 1 284,000.00 Standard 13
6115127968 20301101 4,402.59 600,000.00 600,000.00 1 750,000.00 Standard
6115637883 20301101 2,518.25 335,200.00 335,200.00 1 419,000.00 Reduced
6116689909 20300901 3,040.29 400,000.00 399,501.02 1 791,000.00 Reduced
6118303244 20301001 2,149.89 279,600.00 279,430.61 1 350,000.00 Reduced
6118496378 20301101 2,248.26 306,400.00 306,400.00 1 385,000.00 Reduced
6119384193 20301001 3,597.05 473,250.00 472,955.84 1 645,000.00 Standard
6120709313 20301001 2,183.64 283,990.00 283,817.96 1 355,000.00 Standard
6120882995 20301001 6,920.23 900,000.00 899,454.77 6 1,350,000.00 Standard
6121370602 20301001 7,600.73 1,000,000.00 999,378.44 1 2,100,000.00 Standard
6122859553 20301001 4,519.63 601,600.00 601,216.37 1 755,000.00 Standard
6122893545 20301001 2,100.04 270,000.00 269,840.59 1 300,000.00 Standard 13
6123260603 20301101 2,602.39 346,400.00 346,400.00 1 433,000.00 Standard
6123475136 20301001 2,305.46 310,500.00 310,296.88 1 348,000.00 Standard 13
6123862564 20301001 2,394.07 326,272.00 326,053.08 1 418,000.00 Reduced
6124578342 20301001 2,217.52 291,750.00 291,568.65 1 389,000.00 Reduced
6125116910 20301101 7,593.13 999,000.00 999,000.00 1 1,600,000.00 Standard
6125360740 20301001 2,870.49 391,200.00 390,937.51 1 490,000.00 Standard
6126379004 20301101 2,916.58 383,724.00 383,724.00 1 426,500.00 Reduced 06
6127944046 20301001 2,988.00 388,600.00 388,364.58 1 525,000.00 Reduced
6128241715 20301101 2,450.25 330,000.00 330,000.00 1 497,000.00 Reduced
6128836647 20301001 2,690.66 354,000.00 353,779.97 1 605,000.00 Reduced
6132328375 20301001 2,599.39 346,000.00 345,779.36 1 484,000.00 Reduced
6133878808 20301101 2,907.28 382,500.00 382,500.00 6 510,000.00 Reduced
6134109005 20301001 2,300.00 436,000.00 305,954.78 1 545,000.00 Reduced
6134732145 20301101 3,537.01 460,000.00 460,000.00 1 575,000.00 Standard
6135308465 20301001 2,389.83 329,600.00 329,373.17 1 412,000.00 Reduced
6135720404 20301001 2,090.20 275,000.00 274,829.07 8 795,000.00 Standard
6137052202 20301001 2,237.99 305,000.00 304,795.34 1 445,000.00 Reduced
6137614662 20301001 3,080.05 396,000.00 395,766.20 1 495,000.00 Reduced
6141664679 20301001 2,751.62 375,000.00 374,748.38 6 500,000.00 Standard
6142871307 20301001 2,371.43 312,000.00 311,806.07 1 390,000.00 Reduced
6143729066 20301101 5,258.87 700,000.00 700,000.00 6 4,150,000.00 Standard
6143768130 20301001 2,182.93 287,200.00 287,021.49 1 360,000.00 Reduced
6144922678 20301001 3,192.74 430,000.00 429,718.72 1 630,000.00 Reduced
6144979769 20301101 2,953.99 393,200.00 393,200.00 1 491,500.00 Reduced
6146765679 20301001 2,411.64 324,800.00 324,587.53 1 406,000.00 Reduced
6146843096 20301001 2,816.45 370,550.00 370,319.68 1 475,000.00 Reduced
6147555327 20301001 3,046.11 387,200.00 386,977.22 1 525,000.00 Reduced
6147777731 20301101 4,056.24 539,920.00 537,252.57 1 675,000.00 Standard
6147834284 20301101 2,392.04 318,400.00 318,400.00 1 398,000.00 Standard
6147868993 20301001 2,969.99 400,000.00 399,738.34 1 500,000.00 Reduced
6150508825 20301101 2,464.16 328,000.00 328,000.00 1 410,000.00 Reduced
6151014823 20301001 2,641.56 360,000.00 359,600.00 1 470,000.00 Standard
6151794994 20301001 4,789.33 637,500.00 637,093.48 1 850,000.00 Standard
6153681470 20301101 2,523.45 332,000.00 332,000.00 1 420,000.00 Reduced
6154264623 20301101 3,301.95 450,000.00 450,000.00 6 700,000.00 Reduced
6155396002 20301101 2,682.76 370,000.00 370,000.00 1 463,500.00 Reduced
6155758375 20301001 2,706.78 364,550.00 364,311.53 1 476,000.00 Standard
6157512739 20301001 3,266.99 440,000.00 439,712.18 1 550,000.00 Reduced
6158004918 20301001 2,386.03 317,600.00 317,397.47 1 397,000.00 Reduced
6160489537 20301001 3,146.81 400,000.00 399,769.85 1 725,000.00 Reduced
6161158750 20301001 2,384.74 325,000.00 324,781.93 1 565,000.00 Reduced
6162229063 20301001 2,861.69 390,000.00 389,738.31 1 500,000.00 Reduced
6162653064 20301001 2,257.20 304,000.00 303,801.13 1 380,000.00 Reduced
6162863986 20301001 2,076.64 261,000.00 260,853.67 1 316,000.00 Standard 13
6164613488 20300901 2,152.96 280,000.00 279,659.54 8 575,000.00 Reduced
6164676246 20301001 3,739.56 492,000.00 491,694.19 1 620,000.00 Reduced
6165096873 20301001 2,114.52 275,000.00 274,833.40 8 320,000.00 Standard 13
6165945202 20301001 5,528.49 719,000.00 718,564.43 1 913,000.00 Standard
6166701497 20301001 4,226.49 576,000.00 575,613.51 1 730,000.00 Standard
6167305603 20301001 3,040.29 400,000.00 399,751.38 1 510,000.00 Standard
6169114623 20301001 4,834.16 628,700.00 628,319.13 1 792,600.00 Standard
6169912299 20301001 4,098.31 539,200.00 538,864.86 1 674,000.00 Standard
6171486753 20301001 2,178.68 290,000.00 289,815.07 1 1,200,000.00 Reduced
6171745018 20301101 2,114.64 284,800.00 284,800.00 1 356,000.00 Reduced
6175568754 20301101 4,101.92 546,000.00 546,000.00 1 780,000.00 Standard
6176706130 20300201 1,789.42 241,000.00 239,542.13 1 285,000.00 Standard 06
6176717293 20301101 3,382.33 445,000.00 445,000.00 1 810,000.00 Reduced
6177149165 20301101 3,005.07 400,000.00 400,000.00 6 600,000.00 Standard
6177168983 20301001 2,729.42 367,600.00 367,359.54 1 460,000.00 Reduced
6178580327 20301101 7,512.67 1,000,000.00 1,000,000.00 1 1,787,000.00 Standard
6179333874 20301001 2,507.36 333,750.00 333,537.17 6 445,000.00 Standard
6179608051 20301001 4,446.43 585,000.00 584,636.38 1 780,000.00 Reduced
6180073931 20301101 2,704.56 360,000.00 360,000.00 8 450,000.00 Standard
6180334481 20301001 2,914.92 388,000.00 387,752.58 1 485,000.00 Reduced
6181855278 20301001 4,494.31 612,500.00 611,889.02 1 875,000.00 Standard
6182705928 20301101 2,831.18 400,000.00 400,000.00 1 590,000.00 Standard
6183211405 20301001 2,162.89 298,300.00 298,094.70 8 650,000.00 Reduced
6183607560 20301101 3,445.19 464,000.00 464,000.00 1 580,000.00 Reduced
6184171962 20301101 3,223.86 450,000.00 450,000.00 1 659,000.00 Standard
6185207997 20301101 2,542.50 346,500.00 346,500.00 1 470,000.00 Reduced
6185747992 20301001 2,306.75 300,000.00 299,818.25 1 403,500.00 Standard
6185821557 20301101 3,191.88 435,000.00 435,000.00 6 730,000.00 Reduced
6187732943 20301001 4,238.23 577,600.00 577,212.44 1 722,000.00 Reduced
6188269994 20301001 2,488.86 335,200.00 334,980.72 1 420,000.00 Reduced
6191165122 20301101 3,668.83 500,000.00 500,000.00 6 670,000.00 Standard
6191634622 20301001 4,098.59 552,000.00 551,638.91 1 691,000.00 Standard
6192253703 20301101 2,076.07 270,000.00 270,000.00 1 305,000.00 Reduced 01
6193012009 20301101 2,197.80 296,000.00 296,000.00 1 372,000.00 Standard
6193531230 20301001 2,149.94 293,000.00 292,803.39 6 515,000.00 Standard
6195634990 20301001 2,476.18 329,600.00 329,389.82 1 415,000.00 Standard
6195878456 20301001 4,613.49 600,000.00 599,636.51 1 750,000.00 Standard
6197326983 20301101 2,029.94 264,000.00 264,000.00 6 400,000.00 Standard
6197542779 20301001 2,732.39 368,000.00 367,759.28 1 460,000.00 Standard
6197745562 20301001 4,195.60 552,000.00 551,656.90 1 690,000.00 Standard
6198132703 20301001 2,645.06 348,000.00 347,783.69 1 440,000.00 Reduced
6199500890 20301001 2,606.90 347,000.00 346,778.73 1 650,000.00 Reduced
6199848356 20301001 2,584.25 340,000.00 339,788.67 1 460,000.00 Reduced
6201118988 20301101 2,819.64 379,750.00 379,750.00 1 505,000.00 Reduced
6202290554 20301001 2,028.13 276,400.00 276,214.54 1 346,000.00 Reduced
6203107591 20301101 2,584.25 340,000.00 340,000.00 1 445,000.00 Reduced
6203585416 20301101 2,969.99 400,000.00 400,000.00 6 810,000.00 Reduced
6204574526 20301101 2,039.26 281,250.00 281,250.00 6 375,000.00 Reduced
6205609065 20301001 5,008.97 644,000.00 643,619.78 1 805,000.00 Reduced
6206704667 20301001 3,546.25 495,000.00 494,650.63 8 660,000.00 Standard
6207679652 20301001 2,055.47 273,600.00 273,425.53 1 342,000.00 Standard
6208479284 20301001 3,786.23 516,000.00 515,653.77 8 670,000.00 Reduced
6209508321 20301101 2,915.72 379,200.00 379,200.00 1 625,000.00 Standard
6210503519 20301001 3,380.70 450,000.00 449,713.05 8 600,000.00 Standard
6210842594 20301101 2,280.22 300,000.00 300,000.00 1 403,000.00 Reduced
6211935181 20301001 2,148.25 270,000.00 269,848.63 1 300,000.00 Standard 13
6212120833 20301001 2,294.48 295,000.00 294,825.83 6 629,000.00 Standard
6213717249 20301001 3,420.33 450,000.00 449,720.30 1 890,000.00 Reduced
6213781690 20301001 2,227.50 300,000.00 299,803.75 1 385,500.00 Reduced
6214060680 20301101 2,091.93 292,000.00 292,000.00 8 750,000.00 No Ratio
6215488450 20300901 2,101.27 283,000.00 282,624.75 8 475,000.00 Standard
6215820272 20301001 2,280.22 300,000.00 299,813.53 1 695,000.00 Reduced
6218027362 20301001 3,005.07 400,000.00 399,744.93 8 450,000.00 Standard 12
6219016257 20301101 3,455.83 460,000.00 460,000.00 1 580,000.00 Standard
6219100325 20301001 3,204.50 412,000.00 411,756.75 1 530,000.00 Reduced
6222831197 20301101 2,156.14 287,000.00 287,000.00 1 410,000.00 Reduced
6222991967 20301101 2,343.96 312,000.00 312,000.00 1 390,000.00 Reduced
6224795580 20301001 2,201.30 300,000.00 299,798.70 1 443,000.00 Reduced
6225922779 20301001 2,584.25 340,000.00 339,788.67 1 435,000.00 Reduced
6226428107 20301101 3,283.52 432,000.00 432,000.00 1 540,000.00 Reduced
6227405666 20301101 2,226.90 299,920.00 299,920.00 1 387,000.00 Reduced
6227406821 20301101 2,905.71 396,000.00 396,000.00 8 440,000.00 Standard 06
6228516867 20301001 3,341.24 450,000.00 449,705.63 1 632,000.00 Standard
6228976707 20301101 2,497.42 348,600.00 348,600.00 1 581,000.00 Standard
6229029472 20301101 2,702.69 364,000.00 364,000.00 1 457,000.00 Reduced
6230608132 20301101 2,091.72 275,200.00 275,200.00 1 345,000.00 Reduced
6230756956 20301101 3,185.38 424,000.00 424,000.00 1 530,000.00 Reduced
6231110484 20301001 2,905.71 396,000.00 395,734.29 1 495,000.00 Standard
6234699780 20301001 2,419.96 329,800.00 329,578.71 1 390,000.00 Reduced 12
6235860597 20301101 2,184.99 301,348.00 301,348.00 1 431,000.00 Standard
6235930093 20301101 2,704.56 360,000.00 360,000.00 1 450,000.00 Reduced
6236052731 20301001 1,975.58 259,920.00 259,758.45 1 334,000.00 Standard
6237533770 20300901 5,688.15 775,200.00 773,781.92 8 1,000,000.00 Standard
6238472119 20301001 2,824.77 376,000.00 375,760.23 1 470,000.00 Standard
6238699588 20301001 4,445.07 571,500.00 571,162.59 1 635,000.00 Reduced 01
6240463940 20301001 3,159.34 435,728.00 435,428.13 1 550,000.00 Standard
6240816923 20301101 4,793.09 638,000.00 638,000.00 1 938,000.00 Standard
6242104708 20301001 4,560.44 600,000.00 599,627.06 1 1,550,000.00 Reduced
6243124531 20301001 2,660.26 350,000.00 349,782.45 8 880,000.00 Standard
6245792012 20301101 2,892.38 385,000.00 385,000.00 1 1,250,000.00 Reduced
6246012055 20301101 2,212.21 281,200.00 281,200.00 1 296,000.00 Standard 12
6246903543 20301001 2,209.54 290,700.00 290,519.30 6 425,000.00 Reduced
6247270579 20301001 2,617.90 356,776.00 356,536.61 1 446,000.00 Standard
6247945212 20301001 2,310.62 304,000.00 303,811.05 1 324,000.00 Reduced 12
6248387570 20301001 2,935.06 400,000.00 399,731.61 1 507,000.00 Standard
6248603182 20301001 2,742.13 365,000.00 364,767.25 8 535,000.00 Standard
6252006256 20301001 3,126.50 431,200.00 430,903.25 1 539,000.00 Reduced
6252781858 20301001 2,691.56 362,500.00 362,262.87 1 482,500.00 Reduced
6254005835 20301001 4,773.26 628,000.00 627,609.66 1 795,000.00 Standard
6255122928 20301101 2,113.25 288,000.00 288,000.00 1 368,000.00 Standard
6255356419 20301101 3,952.38 520,000.00 520,000.00 1 665,000.00 Standard
6258131579 20301201 7,973.61 980,000.00 980,000.00 8 1,555,000.00 Standard
6259286455 20301001 3,718.77 495,000.00 494,684.36 1 650,000.00 Reduced
6260374977 20301001 2,704.56 360,000.00 359,770.44 6 695,000.00 Reduced
6262038810 20301101 4,507.60 600,000.00 600,000.00 1 2,862,500.00 Reduced
6263004613 20301101 2,697.26 372,000.00 372,000.00 1 465,000.00 Reduced
6264032191 20301101 2,760.59 363,200.00 363,200.00 1 454,000.00 Standard
6264234193 20301001 2,670.91 364,000.00 363,755.76 1 455,000.00 Reduced
6265154119 20301001 2,249.77 303,000.00 302,801.79 1 403,000.00 Reduced
6265449493 20301001 1,907.79 260,000.00 259,825.54 1 335,000.00 Reduced
6266473682 20301101 3,712.49 500,000.00 500,000.00 1 1,200,000.00 Standard
6266541009 20301101 2,437.11 324,400.00 324,400.00 1 429,500.00 Reduced
6266819934 20301001 3,800.37 500,000.00 499,689.21 8 625,000.00 Standard
6267137450 20301001 2,529.53 332,800.00 332,593.14 1 418,000.00 Reduced
6268370951 20301001 4,521.22 588,000.00 587,643.78 1 735,000.00 Reduced
6269317613 20301001 3,040.29 400,000.00 399,751.38 1 525,000.00 Reduced
6269454325 20301001 2,938.96 391,200.00 390,950.54 1 510,000.00 Standard
6269686959 20301101 5,014.00 735,000.00 735,000.00 1 1,050,000.00 Standard
6269857840 20301001 3,563.40 479,920.00 479,606.06 1 600,000.00 Reduced
6271345529 20301001 2,921.88 380,000.00 379,769.79 1 485,000.00 Standard
6272933240 20301001 2,182.95 294,000.00 293,807.68 1 367,500.00 Standard
6274131439 20301001 7,600.73 1,000,000.00 999,378.44 1 1,750,000.00 Reduced
6274155370 20301001 2,820.63 371,100.00 370,869.34 1 479,000.00 Standard
6275345459 20301101 2,218.91 302,400.00 302,400.00 1 385,000.00 Standard
6276635650 20301101 2,364.12 318,400.00 318,400.00 1 398,000.00 Standard
6276643142 20301101 2,935.06 400,000.00 400,000.00 1 850,000.00 Standard
6276890933 20301001 2,949.09 388,000.00 387,707.92 1 512,000.00 Reduced
6277328917 20301001 2,508.24 330,000.00 329,794.89 6 455,000.00 Standard
6281459781 20301001 2,286.90 308,000.00 307,798.52 1 395,000.00 Standard
6282488615 20301001 3,523.70 463,600.00 463,311.84 1 595,000.00 Reduced
6284653141 20301001 2,128.21 280,000.00 279,825.96 1 350,000.00 Standard
6284719512 20301001 2,500.71 336,797.00 336,576.69 1 450,000.00 Standard
6284858559 20301101 2,043.45 272,000.00 272,000.00 1 351,000.00 Standard
6285300254 20301001 3,454.52 459,825.00 459,531.78 1 700,000.00 Reduced
6285504467 20301001 2,079.00 280,000.00 279,816.83 1 350,000.00 Reduced
6287155912 20301001 2,940.29 396,000.00 395,740.96 1 500,000.00 Reduced
6287893702 20301001 2,675.46 352,000.00 351,781.21 1 440,000.00 Reduced
6289003961 20301101 2,475.43 329,500.00 329,500.00 8 415,000.00 Reduced
6289090257 20301001 2,755.27 380,000.00 379,738.48 1 580,000.00 Reduced
6289499656 20301001 4,229.03 550,000.00 549,666.80 1 835,000.00 Reduced
6290017414 20301001 5,382.40 700,000.00 699,575.93 1 1,200,000.00 Standard
6290590501 20301001 2,952.63 384,000.00 383,767.37 1 490,000.00 Reduced
6291312343 20301001 3,111.17 424,000.00 423,715.50 1 545,000.00 Standard
6291937206 20301001 3,712.49 500,000.00 499,672.93 1 625,000.00 Standard
6292457170 20301101 4,257.35 517,500.00 517,500.00 1 690,000.00 Standard
6293142045 20301101 2,165.49 284,905.00 284,905.00 1 300,000.00 Standard 06
6294623845 20301001 2,249.82 296,000.00 295,816.01 1 370,000.00 Standard
6294675415 20301101 2,885.74 375,300.00 375,300.00 1 418,000.00 Reduced 12
6294753741 20301101 3,075.66 400,000.00 400,000.00 6 650,000.00 Standard
6294804122 20301101 2,507.27 337,680.00 337,680.00 1 422,500.00 Reduced
6295043779 20301001 3,846.49 512,000.00 511,673.51 1 640,000.00 Standard
6295214743 20301001 2,399.02 312,000.00 311,810.98 1 390,000.00 Reduced
6295755380 20301001 2,541.53 334,380.00 334,172.16 1 425,000.00 Reduced
6296841064 20301101 3,245.48 432,000.00 432,000.00 1 540,000.00 Standard
6297079128 20301001 4,940.47 650,000.00 649,595.99 6 1,200,000.00 Reduced
6297753235 20301001 3,291.12 433,000.00 432,730.86 8 620,000.00 Standard
6299214087 20301001 2,193.70 292,000.00 291,813.80 1 366,000.00 Standard
6299654456 20301101 2,086.13 277,681.00 277,681.00 8 380,000.00 Reduced
6300671192 20301101 2,554.31 340,000.00 340,000.00 1 425,000.00 Reduced
6301358021 20301001 2,464.16 328,000.00 327,790.84 1 410,000.00 Standard
6301471006 20301101 4,104.40 540,000.00 540,000.00 6 900,000.00 Standard
6301777394 20301001 3,040.29 400,000.00 399,751.38 1 500,000.00 Standard
6303722729 20301001 2,394.23 315,000.00 314,804.21 6 700,000.00 Reduced
6308265369 20301001 2,057.48 280,400.00 280,211.85 1 365,000.00 Standard
6308493045 20301001 2,457.45 319,600.00 319,406.38 1 410,000.00 Standard
6308745220 20301001 3,534.34 465,000.00 464,710.97 6 805,000.00 Standard
6309705355 20301101 2,817.66 384,000.00 384,000.00 1 480,000.00 Reduced
6311003286 20301001 2,208.32 287,200.00 287,026.01 1 360,000.00 Standard
6311870692 20301001 4,826.24 650,000.00 649,574.80 1 950,000.00 Standard
6313131770 20301001 3,277.32 452,000.00 451,588.93 1 565,000.00 Reduced
6313406172 20301001 2,252.92 293,000.00 292,822.50 1 410,000.00 Reduced
6314480697 20301101 2,599.49 350,100.00 350,100.00 1 389,000.00 Reduced 12
6315004041 20301101 2,595.09 337,500.00 337,500.00 6 451,000.00 Standard
6315028529 20301001 2,726.45 367,200.00 366,959.80 1 477,000.00 Standard
6315233988 20301001 2,280.22 300,000.00 299,813.53 1 350,000.00 Reduced 01
6315647443 20301001 7,600.73 1,000,000.00 999,378.44 1 1,680,000.00 Standard
6317289228 20301101 3,973.39 548,000.00 548,000.00 1 685,000.00 Standard
6321220045 20301101 1,919.99 268,000.00 268,000.00 1 335,000.00 Reduced
6321310309 20301101 2,532.51 341,080.00 341,080.00 1 430,000.00 Reduced
6322158707 20301001 2,674.51 356,000.00 355,772.99 1 445,000.00 Reduced
6322198786 20301001 3,266.99 440,000.00 439,712.18 1 550,000.00 Standard
6324176525 20301001 3,709.16 488,000.00 487,696.67 1 610,000.00 Reduced
6324195319 20301001 4,402.59 600,000.00 599,597.41 6 1,200,000.00 Standard
6324303681 20301001 2,832.28 377,000.00 376,759.51 1 427,000.00 Standard 06
6324527255 20301001 2,141.13 281,700.00 281,524.90 6 375,600.00 Standard
6324621959 20301101 4,357.35 580,000.00 580,000.00 1 725,000.00 Standard
6325661780 20301001 2,971.89 391,000.00 390,756.96 1 489,000.00 Standard
6326330260 20301001 2,201.30 300,000.00 299,798.70 1 375,000.00 Standard
6326548499 20301001 6,611.06 922,800.00 922,148.69 1 1,340,000.00 Reduced
6327256274 20301001 4,507.60 600,000.00 599,617.40 1 1,500,000.00 Reduced
6327961428 20301001 4,883.24 650,000.00 649,585.51 1 860,000.00 Reduced
6329230533 20301001 3,075.66 400,000.00 399,757.67 1 460,000.00 Standard 13
6329539156 20301001 2,188.63 287,950.00 287,771.02 1 320,000.00 Standard 13
6330280725 20301001 4,600.66 650,000.00 649,529.55 1 840,000.00 Reduced
6332359345 20301001 3,438.78 480,000.00 479,661.22 1 880,000.00 Reduced
6334114441 20301001 3,116.22 383,000.00 382,796.18 8 485,000.00 No Ratio
6335565716 20301101 7,777.90 1,000,000.00 1,000,000.00 6 3,000,000.00 Standard
6335626450 20301001 3,705.07 499,000.00 498,673.58 1 650,000.00 Reduced
6335968373 20301001 2,949.09 388,000.00 387,758.83 1 500,000.00 Reduced
6336672024 20301101 2,042.82 268,766.00 268,766.00 6 412,000.00 Reduced
6336746661 20301101 2,751.62 375,000.00 375,000.00 1 665,000.00 Reduced
6338263863 20301101 7,424.98 1,000,000.00 1,000,000.00 6 2,650,000.00 Standard
6340669305 20301101 2,871.28 396,000.00 396,000.00 1 500,000.00 Standard
6342439145 20301001 2,704.56 360,000.00 359,770.44 6 450,000.00 Standard
6342909154 20301001 2,313.91 308,000.00 307,803.59 1 385,000.00 Standard
6343306574 20301001 2,798.85 364,000.00 363,779.48 1 460,000.00 Standard
6344246076 20301001 2,841.91 369,600.00 369,376.09 1 462,000.00 Standard
6345269341 20301001 4,603.49 620,000.00 619,594.43 1 775,000.00 Standard
6346961532 20301001 5,406.38 650,000.00 649,671.75 8 1,600,000.00 Standard
6348174662 20301101 2,163.65 288,000.00 288,000.00 1 360,000.00 Reduced
6348195048 20301101 1,960.20 264,000.00 264,000.00 6 380,000.00 Standard
6349410131 20301101 4,423.46 588,800.00 588,800.00 1 736,000.00 Reduced
6350647787 20301101 2,905.71 396,000.00 396,000.00 1 495,000.00 Reduced
6351047755 20301001 2,413.12 325,000.00 324,787.40 1 477,000.00 Standard
6352224957 20301001 4,235.13 557,200.00 556,853.66 8 700,000.00 Standard
6352665829 20301101 2,482.64 342,400.00 342,400.00 1 430,000.00 Standard
6352718578 20301001 2,794.72 372,000.00 371,762.78 6 540,000.00 Reduced
6353264663 20301001 4,163.93 560,800.00 560,433.15 1 701,000.00 Standard
6353487272 20301001 7,552.33 960,000.00 959,447.67 1 1,390,000.00 Standard
6354980804 20301001 2,888.28 380,000.00 379,763.80 6 475,000.00 Standard
6355114106 20301001 3,010.49 415,200.00 414,914.26 1 550,000.00 Standard
6355379378 20301001 3,075.66 400,000.00 399,753.33 6 545,000.00 Standard
6355487932 20301101 2,725.21 362,748.00 362,748.00 1 454,000.00 Reduced
6355964617 20301001 2,975.02 396,000.00 395,747.48 1 495,000.00 Reduced
6356853710 20300901 2,227.50 300,000.00 299,606.17 1 930,000.00 Reduced
6358466644 20301001 2,432.24 320,000.00 319,801.09 1 407,000.00 Reduced
6358722699 20301101 3,415.49 460,000.00 460,000.00 1 580,000.00 Standard
6358729355 20301001 3,118.49 420,000.00 419,725.26 1 655,000.00 Reduced
6359526792 20301001 3,305.58 440,000.00 439,719.42 1 550,000.00 Standard
6359607527 20301101 2,280.22 300,000.00 300,000.00 1 317,000.00 Reduced 06
6361717421 20301001 2,539.35 342,000.00 341,776.27 8 428,000.00 Standard
6362014372 20301101 2,588.21 356,960.00 356,960.00 1 450,000.00 Standard
6362341452 20301101 3,770.37 520,000.00 520,000.00 1 740,000.00 Reduced
6363110120 20301001 2,306.39 307,000.00 306,804.24 6 410,000.00 Standard
6363339356 20301001 3,610.35 475,000.00 474,704.75 1 861,000.00 Reduced
6363383115 20301001 5,751.98 793,300.00 792,754.05 8 2,000,000.00 Standard
6364400603 20301101 2,774.27 365,000.00 365,000.00 1 545,000.00 Reduced
6366012794 20301101 2,253.80 300,000.00 300,000.00 1 455,000.00 Reduced
6366408141 20301001 4,883.24 650,000.00 649,585.51 1 813,000.00 Reduced
6366541024 20301101 2,149.24 300,000.00 300,000.00 1 495,000.00 Reduced
6367219323 20301101 3,301.43 478,000.00 478,000.00 1 600,000.00 Standard
6368145345 20301001 4,559.24 628,800.00 628,367.26 1 790,000.00 Reduced
6368192479 20301001 7,315.70 962,500.00 961,901.45 1 1,375,000.00 Standard
6369539280 20301001 2,301.89 306,400.00 306,104.62 1 383,000.00 Reduced
6369783672 20301101 3,125.27 416,000.00 416,000.00 1 520,000.00 Standard
6370636505 20301001 2,350.75 316,600.00 316,392.90 1 397,000.00 Reduced
6370725530 20301001 2,224.51 296,100.00 295,911.18 1 330,000.00 Reduced 13
6371447415 20301001 2,969.99 400,000.00 399,738.34 1 575,000.00 Reduced
6371800852 20301101 1,914.22 264,005.00 264,005.00 1 283,750.00 Reduced 13
6372363066 20301001 3,480.34 480,000.00 479,669.66 1 600,000.00 Standard
6373550364 20301101 2,047.21 279,000.00 279,000.00 1 350,000.00 Standard
6374276449 20301001 2,441.62 325,000.00 324,792.76 6 440,000.00 Standard
6376462674 20301001 2,784.37 375,000.00 374,754.69 6 900,000.00 Reduced
6377411886 20301001 2,540.65 350,400.00 350,158.85 1 440,000.00 Reduced
6378828534 20301001 2,999.69 404,000.00 403,735.73 1 505,000.00 Reduced
6379051664 20301001 2,891.12 376,000.00 375,772.21 1 470,000.00 Reduced
6380168333 20301001 3,040.29 400,000.00 399,751.38 1 530,000.00 Reduced
6380891561 20301001 4,940.47 650,000.00 649,595.99 1 1,075,000.00 Reduced
6383094783 20301001 2,691.20 350,000.00 349,787.97 6 500,000.00 Standard
6385061210 20301001 7,512.67 1,000,000.00 999,362.33 8 1,470,000.00 Standard
6389619476 20301001 2,277.85 303,200.00 303,006.65 1 383,000.00 Standard
6391618011 20301101 2,149.24 300,000.00 300,000.00 1 414,000.00 Reduced
6392539224 20301101 2,175.21 300,000.00 300,000.00 1 710,000.00 Standard
6395631507 20301001 2,488.86 335,200.00 334,980.72 1 419,000.00 Reduced
6395971309 20201001 3,198.94 372,000.00 371,397.31 1 465,000.00 Reduced
6396469170 20301101 2,152.96 280,000.00 280,000.00 1 350,000.00 Reduced
6397766483 20301001 3,800.37 500,000.00 499,689.21 1 633,000.00 Reduced
6398781416 20301001 2,394.23 315,000.00 314,804.21 8 610,000.00 Reduced
6399076246 20301001 2,629.44 350,000.00 349,776.81 1 466,000.00 Reduced
6399875241 20301001 4,299.77 559,200.00 558,861.23 1 699,000.00 Standard
6399896684 20301001 2,678.90 348,400.00 348,188.93 1 435,500.00 Reduced
6400510357 20301101 3,110.55 429,000.00 429,000.00 1 830,000.00 Reduced
6402290891 20301001 2,310.62 304,000.00 303,811.05 1 380,000.00 Standard
6402457763 20301001 4,997.94 650,000.00 649,606.23 8 950,000.00 Standard
6402983685 20301001 3,386.34 450,750.00 450,462.57 1 601,000.00 Reduced
6404491901 20301001 2,734.92 386,400.00 386,120.33 1 485,000.00 Reduced
6405272417 20301101 4,666.74 600,000.00 600,000.00 1 750,000.00 Standard
6405326023 20301101 2,568.18 350,000.00 350,000.00 1 605,000.00 Standard
6405639698 20301001 2,507.45 350,000.00 349,752.97 6 670,000.00 Standard
6406343316 20301001 2,257.42 297,000.00 296,815.39 1 335,000.00 Standard 06
6406902624 20301001 3,005.07 400,000.00 399,744.93 1 825,000.00 Standard
6407032389 20300901 2,306.75 300,000.00 299,635.21 1 350,000.00 Reduced 12
6408879671 20301001 2,383.59 313,600.00 313,405.08 1 392,000.00 Standard
6409241855 20301001 2,022.26 260,000.00 259,846.49 1 325,000.00 Standard
6410969254 20301001 2,342.30 311,780.00 311,581.19 1 390,000.00 Standard
6411402479 20301001 2,683.38 345,000.00 344,796.31 6 460,000.00 Standard
6413882421 20301001 2,779.69 370,000.00 369,764.06 1 680,000.00 Standard
6414056348 20301001 2,892.38 385,000.00 384,754.41 6 575,000.00 Standard
6414131554 20301001 7,512.67 1,000,000.00 999,362.33 1 1,625,000.00 Standard
6414436870 20301101 2,762.09 372,000.00 372,000.00 1 466,000.00 Reduced
6416123120 20301101 4,883.24 650,000.00 650,000.00 1 870,000.00 Reduced
6417006506 20301101 2,032.89 267,460.00 267,460.00 1 341,000.00 Standard
6417034441 20301101 2,289.35 312,000.00 312,000.00 1 395,000.00 Standard
6417171029 20301001 2,502.82 325,500.00 325,295.62 6 465,000.00 Standard
6420535061 20301001 2,673.37 336,000.00 335,811.63 1 420,000.00 Reduced
6421254902 20301001 2,128.21 280,000.00 279,825.96 1 375,000.00 Reduced
6423102653 20301001 2,497.78 317,500.00 317,317.32 8 425,000.00 Standard
6423205167 20301001 4,940.47 650,000.00 649,595.99 8 1,325,000.00 Reduced
6423756706 20301001 2,593.75 341,250.00 341,037.89 6 455,000.00 Standard
6424465133 20301001 2,243.74 295,200.00 295,016.51 1 369,000.00 Reduced
6424479027 20301101 2,404.06 320,000.00 320,000.00 1 380,000.00 Standard 13
6424922935 20301001 2,460.53 320,000.00 319,766.67 1 425,000.00 Reduced
6425596498 20301101 2,614.91 365,000.00 365,000.00 1 465,000.00 Reduced
6426615834 20301001 2,128.21 280,000.00 279,825.96 1 350,000.00 Standard
6426708498 20301001 2,411.15 310,000.00 309,816.98 6 605,000.00 Reduced
6427875668 20301101 2,541.77 346,400.00 346,400.00 1 433,000.00 Standard
6429543785 20301001 3,972.37 535,000.00 534,650.03 1 722,000.00 Standard
6429568907 20301001 2,283.86 304,000.00 303,806.14 1 390,000.00 Reduced
6429990580 20301101 3,764.57 519,200.00 519,200.00 1 652,000.00 Standard
6431120903 20300601 3,245.14 412,500.00 411,295.92 6 590,000.00 Standard
6435705253 20301101 3,500.06 477,000.00 477,000.00 8 650,000.00 Standard
6436276676 20301101 2,133.60 284,000.00 284,000.00 1 360,000.00 Standard
6437852806 20301001 2,301.75 310,000.00 309,697.21 1 553,000.00 Standard
6437988451 20301101 2,271.10 298,800.00 298,800.00 1 335,000.00 Reduced 13
6438304328 20301101 3,034.21 399,200.00 399,200.00 1 499,000.00 Reduced
6438510510 20301001 2,435.00 331,850.00 331,627.33 1 416,000.00 Reduced
6439362531 20301001 4,507.60 600,000.00 599,617.40 1 750,000.00 Reduced
6439817344 20301001 2,583.45 365,000.00 364,396.00 1 465,000.00 Reduced
6439900330 20301001 2,547.77 335,200.00 334,991.65 1 419,000.00 Reduced
6440678842 20301001 2,554.31 340,000.00 339,783.19 1 425,000.00 Reduced
6441870224 20301001 3,344.32 440,000.00 439,726.51 1 560,000.00 Reduced
6442597503 20301001 2,189.01 288,000.00 287,820.99 1 365,000.00 Reduced
6444091182 20301101 2,613.00 351,920.00 351,920.00 1 450,000.00 Reduced
6444581190 20301001 2,691.97 350,100.00 349,887.90 1 400,000.00 Standard 12
6444904566 20301001 2,280.22 300,000.00 299,813.53 1 460,000.00 Reduced
6445564559 20301101 3,777.83 508,800.00 508,800.00 1 636,000.00 Standard
6446379999 20301001 2,306.75 300,000.00 299,818.25 6 408,000.00 Standard
6449143897 20301001 2,548.06 360,000.00 359,739.44 1 640,000.00 Reduced
6449891438 20301001 4,408.42 580,000.00 579,639.50 1 725,000.00 Standard
6450785164 20301001 2,396.57 308,125.00 307,943.08 1 363,000.00 Reduced 13
6451612193 20301001 2,832.13 360,000.00 359,792.87 8 450,000.00 Standard
6453624477 20301101 3,786.39 504,000.00 504,000.00 8 630,000.00 Standard
6454964492 20301001 2,227.94 283,200.00 283,037.06 1 354,000.00 Reduced
6455462280 20301101 3,736.51 480,400.00 480,400.00 1 650,000.00 Reduced
6456685780 20301101 4,769.47 650,000.00 650,000.00 8 2,100,000.00 Reduced
6456949947 20301001 2,479.18 330,000.00 329,789.57 1 440,000.00 Reduced
6457144092 20301001 3,920.39 528,000.00 527,654.61 1 660,000.00 Reduced
6457179825 20301101 2,650.73 370,000.00 370,000.00 8 725,000.00 No Ratio
6457658190 20301001 4,417.45 588,000.00 587,625.05 1 735,000.00 Reduced
6457947932 20301001 3,040.29 400,000.00 399,751.38 6 535,000.00 Standard
6458737183 20301001 2,713.59 326,250.00 326,085.24 1 475,000.00 Standard
6459194020 20301001 2,564.51 349,500.00 349,265.49 1 466,000.00 Reduced
6459496425 20301001 2,014.20 265,000.00 264,835.28 1 439,000.00 Reduced
6459867773 20301001 2,791.16 363,000.00 362,780.09 6 660,000.00 Standard
6460263434 20301001 2,316.60 312,000.00 311,795.90 1 390,000.00 Reduced
6460741819 20301101 3,044.90 396,000.00 396,000.00 6 720,000.00 Reduced
6461828656 20301001 3,148.19 424,000.00 423,722.64 1 530,000.00 Reduced
6462880508 20301001 2,006.29 263,960.00 263,795.93 1 330,000.00 Standard
6463100583 20301101 3,455.83 460,000.00 460,000.00 1 575,000.00 Reduced
6464201570 20301001 2,163.43 275,000.00 274,841.78 1 775,000.00 Reduced
6464802997 20301101 2,928.27 359,900.00 359,900.00 1 600,000.00 Standard 06
6465604442 20301101 2,601.08 372,000.00 372,000.00 1 470,000.00 Reduced
6467038797 20301101 2,869.01 386,400.00 386,400.00 1 483,000.00 Standard
6468777542 20301101 3,853.57 519,000.00 519,000.00 1 649,000.00 Standard
6469879610 20301001 2,045.20 262,950.00 262,794.75 1 330,000.00 Reduced
6471427796 20301001 3,667.94 494,000.00 493,676.85 8 735,000.00 Standard
6472124517 20301001 2,888.28 380,000.00 379,763.80 8 475,000.00 Standard
6472462305 20301001 2,460.97 323,780.00 323,578.74 1 420,000.00 Reduced
6476840415 20301001 2,275.22 295,900.00 295,720.74 1 375,000.00 Reduced
6477389925 20301001 2,153.60 293,500.00 293,303.07 1 367,000.00 Reduced
6477902792 20301101 2,670.76 355,500.00 355,500.00 1 474,000.00 Standard
6479273903 20301001 3,600.74 442,550.00 442,314.48 1 600,000.00 Standard
6481586045 20301101 3,618.83 460,000.00 460,000.00 8 1,600,000.00 Standard
6483339138 20301001 2,291.22 316,000.00 315,782.53 1 395,000.00 Reduced
6485535287 20301001 2,737.34 356,000.00 355,784.33 1 445,000.00 Reduced
6486086678 20301101 3,221.99 396,000.00 396,000.00 1 515,000.00 Standard
6487833037 20301001 4,666.75 636,000.00 635,573.25 1 800,000.00 Reduced
6488176196 20301001 3,425.78 456,000.00 455,709.22 1 570,000.00 Reduced
6488444818 20301001 3,563.99 480,000.00 479,686.01 1 610,000.00 Standard
6490637904 20301001 2,041.87 275,000.00 274,820.11 1 425,000.00 Reduced
6491455702 20200101 2,049.28 245,000.00 240,713.51 8 320,000.00 Reduced
6494247288 20301001 3,199.22 436,000.00 435,707.45 1 545,000.00 Reduced
6494400986 20301101 3,148.19 424,000.00 424,000.00 1 530,000.00 Reduced
6495951219 20301101 2,227.50 300,000.00 300,000.00 1 550,000.00 Reduced
6499007430 20301001 2,775.78 361,000.00 360,781.30 8 650,000.00 No Ratio
6499038070 20301001 3,455.83 460,000.00 459,706.67 6 575,000.00 Standard
6501441478 20300901 2,916.72 397,500.00 396,880.95 6 530,000.00 Standard
6502065995 20301101 1,937.39 267,200.00 267,200.00 1 335,000.00 Reduced
6503128081 20301001 2,006.70 258,000.00 257,847.68 6 580,000.00 Standard
6505323144 20301101 2,670.91 364,000.00 364,000.00 8 500,000.00 Standard
6505931334 20301101 2,313.91 308,000.00 308,000.00 1 390,000.00 Reduced
6505969938 20301001 4,748.01 632,000.00 631,596.99 1 790,000.00 Reduced
6506786398 20301101 3,123.02 415,700.00 415,700.00 1 620,432.00 Standard
6509134794 20301001 2,644.49 340,000.00 339,799.26 8 425,000.00 Reduced
6509357361 20301001 4,769.47 650,000.00 649,563.86 1 1,050,000.00 Reduced
6511210988 20301001 3,519.44 474,000.00 473,689.93 1 593,000.00 Reduced
6511730936 20301001 2,479.36 326,200.00 325,997.24 1 410,000.00 Reduced
6511948769 20301101 2,158.61 284,000.00 284,000.00 6 379,000.00 Reduced
6512788818 20301001 2,914.88 397,250.00 396,983.45 1 570,000.00 Reduced
6513372240 20301101 4,270.07 549,000.00 549,000.00 1 732,000.00 Standard
6515001631 20301101 4,165.20 548,000.00 548,000.00 1 685,000.00 Reduced
6515325535 20301001 2,376.00 320,000.00 319,790.67 6 560,000.00 Standard
6516211601 20301001 2,201.17 289,600.00 289,420.00 8 362,000.00 Standard
6517077928 20301001 2,861.69 390,000.00 389,738.31 1 494,000.00 Reduced
6517628076 20301001 3,383.22 440,000.00 439,733.45 6 550,000.00 Standard
6517885189 20301001 2,914.92 388,000.00 387,752.58 1 485,000.00 Standard
6518500647 20301101 2,678.93 360,800.00 360,800.00 1 451,000.00 Reduced
6518819773 20301101 2,613.60 352,000.00 352,000.00 8 415,000.00 Standard 01
6518905895 20301101 1,948.27 268,700.00 268,700.00 1 343,500.00 Standard
6519116765 20301101 2,214.48 288,000.00 288,000.00 1 360,000.00 Standard
6519316209 20301001 3,183.50 423,750.00 423,479.78 1 565,000.00 Reduced
6522051975 20301001 4,537.66 604,000.00 603,614.84 1 755,000.00 Standard
6522561817 20301001 2,204.21 290,000.00 289,819.75 1 363,000.00 Standard
6522848610 20301001 2,568.67 337,950.00 337,739.94 1 425,000.00 Reduced
6524276059 20301001 2,248.26 306,400.00 306,194.41 1 403,000.00 Standard
6525449622 20301101 2,559.03 357,200.00 357,200.00 1 475,000.00 Reduced
6526251001 20301001 1,969.81 259,160.00 258,998.91 1 325,000.00 Reduced
6526682569 20301001 2,587.10 370,000.00 369,712.50 1 515,000.00 Reduced
6526904104 20301101 3,844.57 500,000.00 500,000.00 1 900,000.00 Standard
6527466970 20301101 4,263.41 588,000.00 588,000.00 1 735,000.00 Standard
6527891102 20301001 2,013.46 274,400.00 274,215.87 1 310,000.00 Reduced 06
6528005330 20301001 2,568.18 350,000.00 349,765.15 1 489,000.00 Reduced
6528278689 20301001 4,883.24 650,000.00 649,585.51 1 839,000.00 Standard
6528756494 20301101 2,271.74 309,600.00 309,600.00 1 403,000.00 Reduced
6528857573 20301001 2,472.47 332,992.00 332,774.88 1 375,000.00 Standard 12
6529866466 20301001 2,918.68 384,000.00 383,761.32 1 480,000.00 Standard
6533334261 20301101 2,675.46 352,000.00 352,000.00 1 490,000.00 Standard
6533852015 20301101 2,660.26 350,000.00 350,000.00 1 620,000.00 Reduced
6534300717 20301001 3,485.39 475,000.00 474,681.28 1 675,000.00 Standard
6535184342 20301001 3,040.29 400,000.00 399,751.38 1 848,000.00 Standard
6537960939 20301001 2,403.68 319,950.00 319,745.98 1 400,000.00 Reduced
6538891695 20301001 2,359.76 310,465.00 310,272.03 1 345,000.00 Reduced 12
6539240546 20301101 2,607.88 347,130.00 347,130.00 1 497,000.00 Reduced
6541811409 20301101 7,512.67 1,000,000.00 1,000,000.00 1 1,675,000.00 Standard
6542678559 20301001 3,995.38 538,100.00 537,748.01 1 900,000.00 Reduced
6546127199 20301001 3,215.43 428,000.00 427,727.07 1 699,000.00 Reduced
6546816627 20301001 2,148.63 286,000.00 285,817.62 1 470,000.00 Reduced
6547506029 20301001 3,040.29 400,000.00 399,751.38 6 860,000.00 Standard
6548470092 20301101 3,365.68 448,000.00 448,000.00 6 720,000.00 Standard
6549305289 20301101 2,524.26 336,000.00 336,000.00 1 465,000.00 Standard
6551722090 20301101 2,503.98 341,250.00 341,250.00 6 455,000.00 Reduced
6552864180 20301001 2,128.21 280,000.00 279,825.96 8 350,000.00 Standard
6552896596 20301001 4,666.75 636,000.00 635,573.25 1 795,000.00 Reduced
6553133072 20301001 2,734.62 364,000.00 363,767.88 1 456,000.00 Reduced
6554306065 20301101 2,645.55 364,868.00 364,868.00 1 457,000.00 Reduced
6554586047 20301101 3,712.36 512,000.00 512,000.00 1 640,000.00 Reduced
6555637179 20301001 2,333.37 300,000.00 299,822.88 1 353,000.00 Standard 06
6556133004 20301101 2,116.48 291,900.00 291,900.00 1 420,000.00 Standard
6557747083 20301101 2,716.11 374,600.00 374,600.00 1 470,000.00 Standard
6558064454 20301101 2,614.31 340,000.00 340,000.00 6 515,000.00 Standard
6560186048 20301101 3,154.13 392,000.00 392,000.00 1 560,000.00 Standard
6562422532 20301001 2,629.44 350,000.00 349,776.81 1 610,000.00 Standard
6562586237 20301101 2,093.76 272,300.00 272,300.00 1 389,000.00 Reduced
6563518585 20301101 3,238.19 452,000.00 452,000.00 1 565,000.00 Reduced
6563895629 20301001 3,329.62 443,200.00 442,917.38 1 560,000.00 Standard
6565208052 20301001 2,705.86 356,000.00 355,778.72 8 445,000.00 Standard
6565552335 20301001 2,568.18 350,000.00 349,765.15 1 640,000.00 Standard
6565784847 20301001 4,408.42 580,000.00 579,639.50 1 725,000.00 Standard
6568488370 20301001 2,465.45 336,000.00 335,774.55 1 420,000.00 Reduced
6568697459 20301101 5,583.04 770,000.00 770,000.00 6 1,800,000.00 Standard
6569251066 20301001 2,265.02 298,000.00 297,814.77 6 400,000.00 Standard
6572889647 20301001 3,756.34 500,000.00 499,681.16 1 2,189,000.00 Reduced
6573028344 20301001 2,523.45 332,000.00 331,793.63 1 415,000.00 Reduced
6575043366 20301101 2,491.28 324,000.00 324,000.00 1 411,000.00 Standard
6575423626 20301001 2,942.99 350,000.00 349,827.84 1 475,000.00 Standard
6579056034 20301001 2,523.45 332,000.00 331,793.63 1 420,000.00 Reduced
6579376697 20300901 2,494.80 340,000.00 339,542.22 1 418,000.00 Reduced 12
6579480721 20301101 2,714.93 370,000.00 370,000.00 1 650,000.00 Standard
6581713705 20301101 3,364.33 464,000.00 464,000.00 8 600,000.00 Standard
6582029721 20301101 3,668.83 500,000.00 500,000.00 1 685,000.00 Reduced
6585030189 20301001 3,441.61 452,800.00 452,518.56 1 566,000.00 Standard
6586345537 20301101 4,217.39 568,000.00 568,000.00 1 710,000.00 Standard
6586931336 20301101 2,690.52 342,000.00 342,000.00 1 390,000.00 Reduced 06
6588049350 20301001 2,568.18 350,000.00 349,765.15 1 559,000.00 Reduced
6588776283 20301101 3,422.33 472,000.00 472,000.00 1 600,000.00 Reduced
6588982634 20301001 2,137.71 281,250.00 281,075.18 1 375,000.00 Standard
6589000006 20301101 2,629.44 350,000.00 350,000.00 6 1,100,000.00 Standard
6589298188 20301101 2,629.44 350,000.00 350,000.00 1 580,000.00 Reduced
6590439078 20301001 2,614.41 348,000.00 346,778.09 1 436,000.00 Reduced
6590538515 20301101 2,498.47 340,500.00 340,500.00 1 458,000.00 Reduced
6592269648 20301001 2,321.42 309,000.00 308,802.96 6 413,000.00 Standard
6593340828 20301001 2,212.65 298,000.00 297,805.06 1 385,000.00 Reduced
6594052612 20301001 3,005.07 400,000.00 399,744.93 1 576,000.00 Standard
6594702018 20301001 4,883.24 650,000.00 649,585.51 1 995,000.00 Standard
6595273522 20301101 3,167.93 412,000.00 412,000.00 8 1,200,000.00 Standard
6596295656 20301101 2,937.30 410,000.00 410,000.00 1 715,000.00 Standard
6598423173 20301001 4,767.27 620,000.00 619,624.40 1 775,000.00 Reduced
6598572417 20301001 2,870.05 369,000.00 368,782.14 1 415,000.00 Reduced 13
6599089858 20301001 3,275.15 435,950.00 435,672.01 1 586,000.00 Reduced
6599637615 20301101 3,794.17 511,000.00 511,000.00 1 731,000.00 Reduced
6600218041 20301101 2,273.82 313,600.00 313,600.00 1 395,000.00 Standard
6601655258 20301001 3,621.36 499,450.00 499,106.28 1 562,000.00 Reduced 13
6602637230 20301001 2,152.96 280,000.00 279,830.37 1 350,000.00 Reduced
6603707743 20301101 1,960.20 264,000.00 264,000.00 1 330,000.00 Standard
6604849742 20301001 7,600.73 1,000,000.00 999,378.44 1 1,535,000.00 Standard
6604879871 20301101 2,268.02 312,800.00 312,800.00 1 391,000.00 Reduced
6604919784 20301001 2,007.59 273,600.00 272,916.41 1 342,000.00 Reduced
6604965563 20301101 2,033.32 290,800.00 290,800.00 1 370,000.00 Standard
6606227061 20301101 3,676.52 489,375.00 489,375.00 1 653,000.00 Standard
6606787692 20301001 4,147.00 552,000.00 551,648.00 1 700,000.00 Standard
6610037795 20301001 2,634.22 359,000.00 358,759.11 8 455,000.00 Standard
6611699114 20301001 2,006.87 261,000.00 260,841.88 1 290,000.00 Reduced 12
6612154887 20301001 2,046.08 285,600.00 284,593.25 1 360,000.00 Reduced
6612209988 20301001 2,280.22 300,000.00 299,813.53 1 375,000.00 Reduced
6612884749 20301001 4,507.60 600,000.00 599,617.40 1 750,000.00 Standard
6614697842 20301101 1,989.90 268,000.00 268,000.00 1 335,000.00 Reduced
6614856034 20301001 2,472.75 325,330.00 325,127.78 8 425,000.00 No Ratio
6614886106 20301001 2,262.22 312,000.00 311,785.28 1 390,000.00 Reduced
6615057467 20301001 2,827.78 390,000.00 389,731.51 1 650,000.00 Standard
6615066203 20301001 2,568.66 330,250.00 330,055.01 1 415,000.00 Reduced
6615932560 20301101 2,285.36 304,200.00 304,200.00 1 360,000.00 Standard 01
6616506579 20301101 3,118.49 420,000.00 420,000.00 1 530,000.00 Reduced
6617460370 20301001 2,223.75 296,000.00 295,811.25 1 372,000.00 Reduced
6618235821 20301001 2,833.37 381,600.00 381,350.38 1 477,000.00 Reduced
6620438686 20301001 2,189.01 288,000.00 287,820.99 1 360,000.00 Reduced
6620727658 20301001 3,756.34 500,000.00 499,681.16 1 800,000.00 Reduced
6621101739 20301101 2,186.66 294,500.00 294,500.00 1 310,000.00 Reduced 01
6622693619 20301001 2,908.91 387,200.00 386,953.09 1 484,000.00 Standard
6623548903 20301101 4,415.20 587,700.00 587,700.00 8 1,000,000.00 No Ratio
6624158777 20301001 2,128.21 280,000.00 279,804.17 6 350,000.00 Standard
6625084378 20301001 2,121.58 282,400.00 282,219.92 1 353,000.00 Reduced
6625380115 20301001 2,962.57 399,000.00 398,738.99 6 570,000.00 Reduced
6626340720 20301001 4,148.48 545,800.00 545,460.75 1 682,300.00 Reduced
6626914342 20301001 2,242.22 295,000.00 294,816.63 1 390,000.00 Reduced
6627666420 20301001 2,598.75 350,000.00 349,771.04 6 660,000.00 Reduced
6628750892 20301001 2,494.80 336,000.00 335,780.20 1 420,000.00 Reduced
6631823462 20301001 2,856.02 380,160.00 379,917.58 1 508,000.00 Reduced
6632489016 20301101 4,883.24 650,000.00 650,000.00 1 960,000.00 Reduced
6633751745 20301101 2,914.92 388,000.00 388,000.00 1 485,000.00 Reduced
6634937111 20301001 3,257.50 433,600.00 433,323.50 1 580,000.00 Reduced
6635216044 20301001 2,673.00 360,000.00 359,764.50 1 450,000.00 Reduced
6636172220 20300901 2,523.45 332,000.00 331,584.26 1 425,000.00 Standard
6636300185 20301001 2,583.76 343,920.00 343,700.69 1 430,000.00 Reduced
6636556497 20301101 3,668.83 500,000.00 500,000.00 1 800,000.00 Standard
6638574126 20301101 2,548.06 360,000.00 360,000.00 1 460,000.00 Reduced
6641049298 20301001 2,269.08 305,600.00 305,329.66 1 385,000.00 Reduced
6641794448 20301001 3,004.22 386,250.00 385,926.17 1 515,000.00 Standard
6642562711 20301101 4,454.99 600,000.00 600,000.00 1 950,000.00 Reduced
6643489872 20301101 2,600.85 338,250.00 338,250.00 1 451,000.00 Standard
6646671682 20301001 2,249.82 296,000.00 295,816.01 1 442,000.00 Reduced
6647473492 20301001 2,346.30 316,000.00 315,793.28 1 395,000.00 Standard
6648003660 20301101 3,972.37 535,000.00 535,000.00 1 815,000.00 Reduced
6650049346 20301001 2,935.06 400,000.00 399,731.61 6 800,000.00 Standard
6653115607 20301101 2,189.01 288,000.00 288,000.00 1 360,000.00 Reduced
6653748399 20301001 2,568.18 350,000.00 349,765.15 1 650,000.00 Reduced
6653839693 20301001 2,794.01 390,000.00 389,724.74 1 520,000.00 Reduced
6661117389 20301001 2,128.21 280,000.00 279,825.96 1 350,000.00 Reduced
6663326103 20301101 3,045.30 420,000.00 420,000.00 1 710,000.00 Reduced
6663632112 20301101 2,091.23 285,000.00 285,000.00 8 510,000.00 Standard
6663676200 20301001 2,424.64 319,000.00 318,801.71 1 440,000.00 Standard
6664046452 20301001 3,694.67 497,600.00 497,274.50 1 622,000.00 Standard
6664237614 20301101 2,903.48 382,000.00 382,000.00 6 520,000.00 Standard
6664897607 20301001 2,376.00 320,000.00 319,790.67 1 403,000.00 Standard
6665568637 20301001 2,201.30 300,000.00 299,798.70 1 740,000.00 Reduced
6666384067 20301001 4,168.96 536,000.00 535,683.54 1 670,000.00 Reduced
6667676693 20301001 4,997.94 650,000.00 649,606.23 8 1,500,000.00 Standard
6668254912 20301101 2,400.30 319,500.00 319,500.00 1 355,000.00 Reduced 13
6669655489 20301001 4,778.06 636,000.00 635,594.44 1 799,000.00 Standard
6670077798 20301001 4,769.47 650,000.00 649,563.86 1 960,000.00 Standard
6671260088 20301101 3,082.01 430,200.00 430,200.00 1 485,000.00 Standard 13
6671372487 20301101 4,640.45 640,000.00 640,000.00 1 800,000.00 Reduced
6671424353 20301101 2,645.23 360,500.00 360,500.00 1 515,000.00 Standard
6671857719 20301001 3,380.70 450,000.00 449,713.05 1 3,000,000.00 Reduced
6671892989 20301101 3,583.55 477,000.00 477,000.00 6 1,350,000.00 Reduced
6672221998 20301001 3,897.66 512,800.00 512,481.26 1 641,000.00 Standard
6672558761 20301001 2,704.56 360,000.00 359,770.44 1 450,000.00 Reduced
6673103674 20301001 2,744.28 374,000.00 373,749.05 1 580,000.00 Reduced
6673340227 20301001 2,054.55 280,000.00 279,812.12 1 370,000.00 Standard
6673750805 20301001 2,429.77 316,000.00 315,808.56 1 400,000.00 Standard
6674462905 20301001 2,969.99 400,000.00 339,332.09 1 700,000.00 Reduced
6675417346 20301101 3,136.73 427,484.00 427,484.00 1 535,000.00 Standard
6678832590 20301001 3,353.83 431,200.00 430,945.42 1 540,000.00 Standard
6679404654 20301001 2,054.55 280,000.00 279,812.12 1 350,000.00 Reduced
6681324973 20301001 2,279.47 289,750.00 289,583.29 1 305,000.00 Standard 12
6683257437 20301001 2,888.28 380,000.00 379,763.80 1 645,000.00 Reduced
6683792896 20301101 3,936.64 524,000.00 524,000.00 1 660,000.00 Standard
6685846203 20301001 2,144.55 282,150.00 281,939.78 1 297,000.00 Reduced 12
6686879054 20301001 4,651.65 612,000.00 611,619.60 1 790,000.00 Standard
6687626827 20301101 2,086.78 274,550.00 274,550.00 1 350,000.00 Standard
6687667912 20301001 2,008.15 287,200.00 286,986.85 1 359,000.00 Reduced
6688743753 20301001 2,253.80 300,000.00 299,808.70 1 649,000.00 Standard
6689976832 20301101 3,077.41 440,123.00 440,123.00 1 490,000.00 Standard 06
6690940017 20301101 2,441.62 325,000.00 325,000.00 1 715,000.00 Reduced
6692014589 20301001 2,878.86 383,200.00 382,955.64 1 480,000.00 Reduced
6692171199 20301001 2,993.76 408,000.00 407,726.24 1 519,000.00 Reduced
6693466283 20301001 2,242.27 298,464.00 298,273.67 1 374,000.00 Standard
6694502623 20301001 2,321.40 332,000.00 331,753.60 1 415,000.00 Reduced
6694990356 20301101 2,701.30 355,400.00 355,400.00 1 395,000.00 Standard 06
6695640323 20301001 3,118.49 420,000.00 419,725.26 1 531,000.00 Standard
6696430021 20301001 3,042.63 405,000.00 404,741.75 8 520,000.00 Standard
6697023874 20301001 3,585.27 471,700.00 471,406.80 1 600,000.00 Standard
6697112370 20301001 3,191.00 415,000.00 414,748.41 1 525,000.00 Reduced
6697932678 20301001 2,088.00 295,000.00 294,786.48 1 390,000.00 Reduced
6698943591 20301101 2,817.66 384,000.00 384,000.00 1 480,000.00 Reduced
6699111560 20301101 2,028.42 270,000.00 270,000.00 1 300,000.00 Standard 12
6703518065 20301101 3,059.16 407,200.00 407,200.00 1 510,000.00 Reduced
6703772803 20301001 3,465.93 456,000.00 455,716.57 1 570,000.00 Reduced
6704653671 20301001 3,844.57 500,000.00 499,697.10 1 625,000.00 Standard
6705163241 20301001 3,259.57 439,000.00 438,712.83 1 645,000.00 Standard
6705686670 20301001 1,815.43 256,490.00 256,304.35 1 270,000.00 Standard 13
6706011894 20301101 4,913.11 617,500.00 617,500.00 1 950,000.00 Standard
6706553788 20301001 2,384.74 325,000.00 324,781.93 1 822,000.00 Reduced
6707242308 20301101 3,108.09 428,660.00 428,660.00 1 565,000.00 Reduced
6708100216 20301101 2,406.75 328,000.00 328,000.00 1 410,000.00 Reduced
6709511817 20301001 4,357.35 580,000.00 579,630.15 1 725,000.00 Standard
6709963158 20301101 2,491.28 324,000.00 324,000.00 1 405,000.00 Reduced
6714118038 20301101 2,690.66 354,000.00 354,000.00 8 750,000.00 Standard
6715659626 20301001 3,504.98 472,052.00 471,743.21 1 592,000.00 Standard
6717168386 20301101 2,176.85 286,400.00 286,400.00 6 400,000.00 Standard
6717504887 20301101 2,689.62 380,000.00 380,000.00 1 521,000.00 Standard
6719240209 20301101 2,175.21 300,000.00 300,000.00 1 415,000.00 Standard
6719965631 20301001 2,704.56 360,000.00 359,770.44 1 450,000.00 Reduced
6719995166 20301001 2,469.49 336,550.00 336,324.18 1 420,719.00 Reduced
6720845186 20301101 2,245.28 302,395.00 302,395.00 8 400,000.00 No Ratio
6723833668 20301001 2,595.09 337,500.00 337,295.54 6 450,000.00 Standard
6725350331 20301001 2,329.05 317,411.00 317,198.02 1 398,000.00 Reduced
6725671785 20301001 1,875.66 265,000.00 264,808.19 1 381,000.00 Reduced
6726435685 20301001 2,110.67 274,500.00 274,333.71 8 8,000,000.00 No Ratio
6726790493 20301001 2,336.31 318,400.00 318,186.36 1 400,000.00 Standard
6726804518 20301001 3,036.49 399,500.00 399,251.69 1 470,000.00 Standard 12
6728917151 20290501 2,029.48 297,500.00 293,100.89 425,000.00
6730000558 20301001 2,286.90 308,000.00 307,798.52 1 395,000.00 Standard
6730546022 20301001 2,922.43 389,000.00 388,751.95 1 535,000.00 Reduced
6732747446 20301001 3,040.29 400,000.00 399,751.38 1 750,000.00 Standard
6736434751 20301101 2,659.49 354,000.00 354,000.00 6 575,000.00 Standard
6737323359 20301001 2,229.85 290,000.00 289,741.82 8 470,000.00 Standard
6740048605 20301101 2,660.26 350,000.00 350,000.00 6 600,000.00 Reduced
6741245077 20301101 4,079.74 556,000.00 556,000.00 1 700,000.00 Reduced
6742090084 20301101 2,413.12 325,000.00 325,000.00 6 950,000.00 Standard
6743007632 20301001 2,201.30 300,000.00 299,298.70 1 393,000.00 Reduced
6746629804 20301001 6,232.60 820,000.00 819,490.32 8 1,500,000.00 Standard
6746850111 20301101 4,769.47 650,000.00 650,000.00 1 1,625,000.00 Standard
6747251327 20301001 4,035.71 550,000.00 549,630.96 1 1,150,000.00 Standard
6747628243 20301001 2,229.85 290,000.00 289,824.32 1 420,000.00 Reduced
6748323273 20301001 4,883.24 650,000.00 649,585.51 1 1,105,000.00 Reduced
6749790819 20301101 3,207.59 432,000.00 432,000.00 1 675,000.00 Reduced
6751295004 20301101 2,635.69 359,200.00 359,200.00 1 470,000.00 Standard
6751346104 20301001 2,149.24 300,000.00 299,788.26 1 410,000.00 Reduced
6752706405 20301101 2,312.83 315,200.00 315,200.00 1 394,000.00 Reduced
6753216875 20301001 2,360.11 300,000.00 299,701.01 1 320,000.00 Standard 12
6754671581 20301001 2,572.34 342,400.00 342,181.66 1 428,000.00 Reduced
6757003865 20301001 2,907.41 387,000.00 386,753.22 1 532,000.00 Standard
6757277972 20301001 2,254.84 293,250.00 293,072.35 1 348,000.00 Reduced 13
6757738858 20301001 2,163.65 288,000.00 287,816.35 1 365,000.00 Standard
6757895864 20301001 2,506.66 326,000.00 325,802.51 1 455,000.00 Standard
6761901591 20301001 3,146.02 413,910.00 413,652.73 1 460,000.00 Reduced 12
6764063001 20301001 2,274.68 310,000.00 309,791.99 1 420,000.00 Reduced
6765554438 20251001 2,710.62 355,000.00 354,619.07 1 585,000.00 Reduced
6765682858 20301001 3,485.88 464,000.00 463,704.12 1 580,000.00 Standard
6765876369 20301101 3,666.59 482,400.00 482,400.00 1 605,000.00 Standard
6767492744 20301001 4,256.41 560,000.00 559,651.92 1 710,000.00 Reduced
6767701052 20301101 2,576.37 364,000.00 364,000.00 1 460,000.00 Reduced
6768144492 20300801 2,898.94 364,350.00 363,732.65 6 610,000.00 Standard
6769303196 20301001 2,813.27 388,000.00 387,732.98 1 485,000.00 Reduced
6770720693 20301001 2,635.87 355,000.00 354,767.78 1 655,000.00 Reduced
6770930979 20301101 2,031.43 270,400.00 270,400.00 1 338,000.00 Reduced
6773533242 20301001 2,698.26 355,000.00 354,779.34 1 575,000.00 Standard
6774049313 20301001 3,040.29 399,999.00 399,750.37 1 502,000.00 Reduced
6775702712 20301001 2,021.66 269,100.00 268,928.40 1 300,000.00 Reduced 01
6776870351 20300901 4,613.49 600,000.00 599,270.45 1 800,000.00 Standard
6777554749 20301001 2,323.29 292,000.00 291,836.29 1 365,000.00 Standard
6779407722 20301101 3,712.49 500,000.00 500,000.00 1 895,000.00 Reduced
6779629838 20301001 2,921.88 380,000.00 379,769.79 1 475,000.00 Standard
6779697819 20301101 2,166.21 285,000.00 285,000.00 6 500,000.00 Reduced
6780750714 20301001 3,826.73 492,000.00 491,709.52 1 615,000.00 Standard
6782652116 20301101 2,553.51 348,000.00 348,000.00 1 435,000.00 Standard
6782844036 20301101 3,771.89 508,000.00 508,000.00 1 635,000.00 Reduced
6783652636 20301001 2,204.21 290,000.00 289,819.75 1 390,000.00 Standard
6783675140 20301001 2,910.59 392,000.00 391,743.58 1 522,000.00 Standard
6784512177 20301101 3,298.32 466,000.00 466,000.00 1 650,000.00 Reduced
6784641976 20301001 2,429.77 316,000.00 315,808.56 1 395,000.00 Reduced
6785440121 20301001 3,260.20 424,000.00 423,743.13 1 534,000.00 Reduced
6786482874 20301001 2,614.41 348,000.00 347,778.09 1 445,000.00 Reduced
6786633302 20301001 3,530.96 470,000.00 96,904.82 1 647,000.00 Reduced
6786655412 20301001 2,288.07 301,032.00 300,844.88 8 440,000.00 Reduced
6787500559 20301001 2,088.53 278,000.00 277,822.72 1 350,000.00 Reduced
6788675905 20301001 2,896.89 385,600.00 385,354.11 1 485,000.00 Standard
6789295745 20301001 4,883.24 650,000.00 649,585.51 1 830,000.00 Standard
6789314520 20301001 2,108.86 265,050.00 264,901.41 1 279,000.00 Standard 01
6790403775 20301101 4,769.47 650,000.00 650,000.00 1 1,600,000.00 Standard
6794513017 20301001 3,040.29 400,000.00 399,751.38 6 650,000.00 Standard
6795880555 20301001 2,792.70 363,200.00 362,979.97 1 454,000.00 Standard
6797571848 20301001 2,037.00 268,000.00 267,833.42 1 335,000.00 Standard
6798506140 20301001 2,454.38 319,200.00 318,961.00 1 400,000.00 Reduced
6799868531 20301101 2,194.17 310,000.00 310,000.00 1 625,000.00 Reduced
6800114784 20301101 2,103.55 280,000.00 280,000.00 6 655,000.00 Reduced
6800325117 20301001 2,845.15 370,021.00 369,796.83 1 411,135.00 Reduced 12
6800594662 20301101 4,021.04 548,000.00 548,000.00 1 685,000.00 Reduced
6804494067 20300901 3,021.29 397,500.00 397,004.13 8 530,000.00 Reduced
6804570742 20301001 2,230.65 304,000.00 303,796.02 1 380,000.00 Standard
6805805113 20301101 2,356.28 317,345.00 317,345.00 1 410,000.00 Reduced
6806169071 20301001 2,434.11 324,000.00 323,793.39 1 410,000.00 Reduced
6806220338 20301101 5,503.24 750,000.00 750,000.00 8 1,125,000.00 Standard
6806236094 20301001 2,935.06 400,000.00 399,731.61 1 600,000.00 Reduced
6806593627 20301101 3,644.74 496,717.00 496,717.00 8 730,000.00 Reduced
6806693716 20301001 3,563.99 480,000.00 479,686.01 1 600,000.00 Reduced
6806901838 20301101 3,005.07 400,000.00 400,000.00 1 896,000.00 Standard
6807646861 20301001 3,522.08 480,000.00 479,677.92 1 600,000.00 Standard
6807671810 20301001 4,499.63 592,000.00 591,632.04 1 775,000.00 Reduced
6807981524 20301001 3,101.10 408,000.00 407,746.40 1 510,000.00 Reduced
6808343237 20301101 4,402.59 600,000.00 600,000.00 1 750,000.00 Reduced
6808650904 20301101 4,153.20 572,800.00 572,800.00 1 720,000.00 Standard
6809444299 20301001 2,059.62 267,860.00 267,697.72 1 335,000.00 Standard
6809952150 20301001 2,424.64 319,000.00 318,801.71 1 435,000.00 Reduced
6810064466 20301001 2,942.63 391,688.00 391,438.23 1 495,000.00 Standard
6811847547 20301001 4,997.94 650,000.00 649,606.23 1 825,000.00 Standard
6813801054 20301101 4,883.24 650,000.00 650,000.00 1 1,100,000.00 Standard
6813942007 20301101 3,118.49 420,000.00 420,000.00 1 555,000.00 Standard
6814154727 20301101 2,580.61 343,500.00 343,500.00 6 1,200,000.00 Reduced
6816019407 20301001 2,292.52 320,000.00 319,774.15 1 425,000.00 Reduced
6816269911 20301001 2,153.25 290,000.00 289,510.29 1 535,000.00 Standard
6816659053 20301001 3,341.24 450,000.00 449,705.63 8 1,650,000.00 Reduced
6816678913 20301101 2,788.31 380,000.00 380,000.00 1 475,000.00 Reduced
6817056861 20301101 2,338.87 315,000.00 315,000.00 1 525,000.00 Standard
6819353506 20301101 2,406.75 328,000.00 328,000.00 1 423,500.00 Standard
6820171020 20301001 3,800.37 500,000.00 499,689.21 1 729,000.00 Standard
6820464987 20301001 2,132.46 287,200.00 287,012.12 1 360,000.00 Reduced
6820722863 20301001 3,568.52 475,000.00 474,697.11 1 850,000.00 Reduced
6822119936 20301101 4,454.99 600,000.00 600,000.00 1 880,000.00 Reduced
6822469190 20301101 4,402.59 600,000.00 600,000.00 1 809,000.00 Standard
6822937063 20301001 2,217.74 295,200.00 295,011.76 1 369,000.00 Standard
6825121731 20301101 2,052.20 270,000.00 270,000.00 1 300,000.00 Standard 13
6825738617 20301001 2,525.36 352,500.00 352,251.20 6 670,000.00 Reduced
6828226115 20301101 2,306.75 300,000.00 300,000.00 1 485,000.00 Reduced
6829222964 20301001 2,116.05 278,400.00 278,226.95 1 348,000.00 Standard
6829996161 20301101 3,936.64 524,000.00 524,000.00 1 655,000.00 Reduced
6832670050 20301001 1,962.69 261,250.00 261,083.40 1 280,000.00 Standard 01
6832786336 20301001 2,189.01 288,000.00 287,820.99 8 385,000.00 Reduced
6833486209 20301001 2,506.73 349,900.00 349,653.04 1 440,000.00 Standard
6834681899 20301101 2,401.83 316,000.00 316,000.00 1 395,000.00 Reduced
6835170314 20301001 2,932.87 395,000.00 394,741.61 1 795,000.00 Reduced
6837914826 20301001 2,135.81 281,000.00 280,825.34 1 381,000.00 Reduced
6838023197 20301001 2,719.35 384,200.00 383,921.92 1 525,000.00 Standard 06
6838659107 20301001 3,857.84 496,000.00 495,707.16 1 641,000.00 Reduced
6838697487 20301001 2,248.00 282,538.00 282,379.60 8 450,000.00 Reduced
6839633580 20301001 2,918.68 384,000.00 383,761.32 1 480,000.00 Standard
6840605197 20301001 2,460.53 320,000.00 319,806.14 1 400,000.00 Reduced
6841420828 20301101 1,884.31 256,800.00 256,800.00 1 325,000.00 Standard
6842939719 20301101 2,550.56 339,500.00 339,500.00 1 439,500.00 Reduced
6845004610 20301001 2,113.01 278,000.00 277,827.20 1 348,000.00 Reduced
6845070595 20301001 3,167.93 412,000.00 411,750.40 8 720,000.00 Reduced
6845927257 20301101 2,313.91 308,000.00 308,000.00 1 385,000.00 Standard
6846261672 20301101 2,450.25 330,000.00 330,000.00 1 455,000.00 Reduced
6846395272 20301001 4,826.24 650,000.00 649,574.80 1 860,000.00 Standard
6846970470 20301001 2,525.89 328,500.00 328,300.98 1 365,000.00 Standard 01
6847545354 20301001 3,075.66 400,000.00 399,757.67 1 2,200,000.00 Reduced
6848321599 20301101 2,383.59 313,600.00 313,600.00 1 392,000.00 Reduced
6848741531 20301101 4,529.89 610,088.00 610,088.00 1 775,000.00 Reduced
6849101131 20301001 3,875.33 504,000.00 503,694.67 1 630,000.00 Reduced
6850268050 20301001 2,346.30 316,000.00 315,618.66 1 395,000.00 Reduced
6851909231 20301001 4,997.94 650,000.00 649,606.23 1 1,000,000.00 Reduced
6854394498 20301001 7,867.01 1,000,000.00 999,424.66 1 2,150,000.00 Standard
6855292360 20301001 2,146.27 292,500.00 292,103.73 1 325,000.00 Standard 01
6856383499 20301001 2,153.59 308,000.00 307,771.41 1 389,000.00 Reduced
6856958993 20301001 3,005.07 400,000.00 399,744.93 1 550,000.00 Reduced
6857605130 20301001 3,989.23 531,000.00 530,661.31 6 819,000.00 Standard
6859804830 20251101 2,456.03 311,500.00 311,500.00 1 350,000.00 Standard 06
6861141783 20301001 4,397.42 558,970.00 558,648.40 1 705,000.00 Reduced
6861315650 20301001 3,698.18 504,000.00 503,661.82 1 630,000.00 Reduced
6861322177 20301001 2,758.66 367,200.00 366,965.84 1 459,500.00 Standard
6864429458 20301001 2,100.04 270,000.00 269,840.59 1 300,000.00 Standard 12
6869440013 20301001 2,737.83 352,000.00 351,792.17 1 440,500.00 Reduced
6871286016 20301001 3,184.51 439,200.00 438,897.74 1 549,000.00 Reduced
6871781560 20301101 2,876.36 392,000.00 392,000.00 1 490,000.00 Reduced
6872727174 20301001 2,230.06 303,920.00 303,041.71 1 382,000.00 Reduced
6877479540 20301001 4,940.47 650,000.00 647,036.46 1 855,000.00 Reduced
6877704988 20301001 2,584.25 340,000.00 339,788.67 6 500,000.00 Standard
6879062229 20301001 3,121.63 396,800.00 396,571.70 1 500,000.00 Reduced
6879870274 20301001 2,406.75 328,000.00 327,779.92 1 425,000.00 Standard
6880007569 20301001 3,117.76 415,000.00 414,653.13 1 895,000.00 Standard
6882530030 20301001 2,565.25 337,500.00 337,290.22 1 395,000.00 Reduced 12
6883276807 20301001 4,157.99 560,000.00 559,633.68 1 715,000.00 Standard
6883804228 20301001 3,040.29 400,000.00 399,751.38 1 525,000.00 Standard
6885040193 20301001 2,718.11 353,500.00 353,285.85 8 410,000.00 Standard 12
6885121183 20301001 2,770.88 356,250.00 356,039.67 6 475,000.00 Standard
6888119622 20301001 2,296.92 309,350.00 309,147.64 8 880,000.00 Reduced
6888418826 20301001 3,095.22 412,000.00 411,737.28 1 515,000.00 Reduced
6889630007 20301001 2,705.86 356,000.00 355,778.72 1 445,000.00 Reduced
6890577759 20301001 2,829.61 368,000.00 367,777.06 1 460,000.00 Reduced
6891764752 20301001 4,657.86 620,000.00 619,604.64 1 840,000.00 Reduced
6892617314 20301001 2,479.18 330,000.00 329,789.57 1 525,000.00 Reduced
6893873684 20301001 2,213.09 272,000.00 271,855.24 8 340,000.00 Reduced
6897185051 20301001 2,176.03 283,000.00 282,828.55 1 315,000.00 Reduced 12
6902779252 20301001 2,704.56 360,000.00 359,770.44 1 520,000.00 Reduced
6906889289 20301001 3,769.58 495,950.00 495,641.74 1 620,000.00 Standard
6908363234 20301101 3,756.34 500,000.00 500,000.00 1 860,000.00 Reduced
6908424986 20301001 1,953.30 260,000.00 259,825.45 1 330,000.00 Standard
6909098904 20301001 3,059.09 412,000.00 411,730.49 1 548,000.00 Standard
6909103365 20301001 2,201.30 300,000.00 299,798.70 1 470,000.00 Reduced
6910451548 20301001 2,645.07 344,000.00 343,791.60 1 430,000.00 Reduced
6911358718 20301001 2,223.75 296,000.00 295,811.25 1 380,000.00 Reduced
6911668611 20301001 2,253.80 300,000.00 299,808.70 1 375,000.00 Standard
6911758818 20301001 2,868.53 377,402.00 377,167.42 1 475,000.00 Standard
6912455729 20301001 2,199.10 286,000.00 285,826.73 6 625,000.00 Standard
6915475393 20301101 2,557.32 340,400.00 340,400.00 1 425,500.00 Reduced
6916098707 20301001 2,247.72 310,000.00 309,786.66 1 450,000.00 Reduced
6916258632 20300601 4,757.66 618,750.00 616,457.38 6 825,000.00 Standard
6917443555 20301001 2,475.28 329,480.00 329,269.90 1 415,000.00 Reduced
6917483692 20301001 3,634.56 462,000.00 461,734.19 1 660,000.00 Standard
6921685373 20301001 2,177.82 280,000.00 279,834.68 1 437,000.00 Reduced
6921765969 20301001 2,133.60 284,000.00 283,818.90 1 355,000.00 Standard
6922929788 20301001 2,650.91 340,825.00 340,623.77 1 370,000.00 Reduced 13
6924359372 20301001 1,995.37 265,600.00 265,430.63 1 335,000.00 Reduced
6924568568 20301001 4,500.92 613,400.00 612,988.41 1 830,000.00 Reduced
6924694364 20301001 2,850.28 375,000.00 374,766.91 8 800,000.00 Standard
6925658889 20301001 2,823.35 380,250.00 380,001.26 1 422,500.00 Standard 12
6928042412 20301001 3,492.72 476,000.00 475,680.61 1 595,000.00 Reduced
6930722886 20301001 2,891.29 389,400.00 389,145.27 1 650,000.00 No Ratio
6930779167 20301001 2,290.60 294,500.00 294,326.12 1 310,000.00 Standard 12
6931327891 20301001 3,015.59 396,750.00 396,503.39 1 550,000.00 Reduced
6932568501 20300901 2,566.33 341,600.00 341,162.84 1 427,000.00 Standard
6932721274 20301001 2,373.64 295,000.00 294,838.86 1 369,000.00 Reduced
6936499083 20301001 2,630.19 350,100.00 349,876.75 1 397,500.00 Reduced 13
6937144324 20301001 4,867.66 640,420.00 640,021.94 1 810,000.00 Standard
6938037782 20301001 3,075.66 400,000.00 399,757.67 1 675,000.00 Standard
6938755425 20301001 2,245.23 292,000.00 291,823.10 6 365,000.00 Reduced
6939016777 20290501 1,937.61 287,600.00 283,244.58 415,000.00 Unknown
6939221393 20301001 3,146.81 400,000.00 399,769.86 1 550,000.00 Reduced
6939553035 20301001 2,442.82 329,000.00 328,784.78 1 437,000.00 Reduced
6940202887 20301001 4,757.66 618,750.00 618,375.15 1 910,000.00 Reduced
6940376194 20301001 2,508.24 330,000.00 329,794.89 1 440,000.00 Reduced
6941068352 20301001 3,356.09 452,000.00 451,704.33 1 580,000.00 Reduced
6941613884 20301001 4,324.52 556,000.00 555,671.73 1 700,000.00 Standard
6941941269 20301001 4,104.40 540,000.00 539,664.35 8 725,000.00 Reduced
6947633613 20301001 2,838.87 373,500.00 373,067.85 1 415,000.00 Standard 12
6948144370 20301001 2,730.18 359,200.00 358,976.74 1 449,000.00 Reduced
6949415233 20301001 3,705.36 487,500.00 487,196.98 1 650,000.00 Standard
6949855859 20300901 2,359.79 321,600.00 321,166.98 1 430,000.00 Standard
6950094885 20301001 2,249.82 296,000.00 295,816.01 8 370,000.00 Reduced
6950290129 20301001 2,214.48 288,000.00 287,825.52 1 360,000.00 Standard
6950578465 20201001 3,000.55 352,150.00 351,570.48 8 392,000.00 Reduced 12
6952050661 20301001 2,263.69 294,400.00 294,221.64 1 368,000.00 Standard
6952203278 20301001 3,990.38 525,000.00 524,673.68 1 850,000.00 Reduced
6955941031 20301001 2,128.21 280,000.00 279,825.96 6 432,000.00 Reduced
6957196386 20301001 2,034.62 284,000.00 283,799.55 8 370,000.00 Standard
6957760223 20301001 2,494.21 332,000.00 331,788.29 1 445,000.00 Reduced
6959022531 20301001 3,313.92 436,000.00 435,729.00 1 545,000.00 Reduced
6962657281 20301001 2,306.75 300,000.00 299,818.25 1 589,000.00 Standard
6962693914 20301001 3,344.32 440,000.00 439,726.51 1 575,000.00 Standard
6965100024 20301001 3,580.78 488,000.00 487,672.55 1 610,000.00 Reduced
6965460642 20301001 2,537.42 330,000.00 329,800.08 8 549,968.00 Reduced
6967144400 20301101 2,581.25 356,000.00 356,000.00 1 445,000.00 Reduced
6968560786 20301001 2,325.20 302,400.00 301,916.80 1 380,000.00 Reduced
6969688438 20301001 2,201.30 300,000.00 299,798.70 1 486,000.00 Reduced
6975686822 20301001 2,641.56 360,000.00 359,758.44 1 450,000.00 Reduced
6976397866 20301001 2,689.54 358,000.00 357,771.71 1 610,000.00 Reduced
6976977642 20301101 2,979.49 392,000.00 392,000.00 1 490,000.00 Reduced
6981452755 20301001 4,627.81 616,000.00 614,273.58 8 795,000.00 No Ratio
6982954890 20301001 5,258.87 700,000.00 699,553.63 1 1,600,000.00 Reduced
6985539003 20301001 3,705.11 511,000.00 510,648.33 1 730,000.00 Reduced
6985672044 20301001 3,052.47 416,000.00 415,720.86 1 520,000.00 Reduced
6988370273 20301001 2,479.18 330,000.00 329,789.57 8 590,000.00 Standard
6989530123 20301001 2,758.96 376,000.00 375,747.71 1 470,000.00 Standard
6989757528 20301001 4,152.14 540,000.00 539,672.86 6 680,000.00 Standard
6989789950 20301101 2,227.81 280,000.00 280,000.00 1 350,000.00 Reduced
6990211762 20301001 2,784.37 375,000.00 374,754.69 1 650,000.00 Reduced
6990541408 20301001 2,249.82 296,000.00 295,816.01 1 370,000.00 Reduced
6991456093 20301001 4,560.44 600,000.00 599,627.06 1 889,200.00 Reduced
6992841780 20301101 2,999.69 404,000.00 404,000.00 1 520,000.00 Standard
6992895620 20301101 2,677.95 360,668.00 360,668.00 1 458,000.00 Standard
6993095212 20301001 2,289.87 304,800.00 304,605.63 1 384,000.00 Standard
6995496590 20301001 3,582.07 500,000.00 499,647.10 1 747,000.00 Reduced
6999544619 20301001 2,452.84 319,000.00 318,259.58 1 400,000.00 Standard
0028937464 20301101 2,909.67 365,700.00 365,700.00 6 560,000.00 Reduced
0029006194 20300501 3,052.40 388,000.00 386,635.95 1 485,000.00 Standard
0029006269 20300901 2,161.09 277,850.00 277,520.74 1 298,000.00 Standard 06
0029006467 20300701 3,111.16 400,000.00 399,045.12 1 500,000.00 Standard
0029007127 20300901 2,387.82 307,000.00 306,636.18 1 600,000.00 Standard
0029010188 20301001 2,485.90 323,300.00 323,104.14 1 405,000.00 Reduced
0029003373 20300901 4,293.62 558,400.00 557,721.03 1 698,000.00 Standard
0029005352 20301001 3,844.57 500,000.00 499,697.10 1 630,000.00 Standard
0029010071 20301001 4,505.07 585,900.00 585,545.06 1 732,500.00 Reduced
0023449325 20290901 1,791.03 250,000.00 247,423.31 1 360,000.00 Standard
0029015088 20301101 3,438.78 480,000.00 480,000.00 1 600,000.00 Reduced
0028911154 20301001 2,141.36 298,900.00 298,689.04 1 395,000.00 Standard
6735394097 20301101 2,006.60 264,000.00 264,000.00 1 333,000.00 Reduced
6958564228 20301101 1,960.20 264,000.00 264,000.00 1 330,000.00 Reduced
600,019,944.15
TABLE (CONTINUED)
Rem. Orig. FICO Payment
Loan Number Term Term Score Due Date Sales Price
----------- ---- ---- ----- -------- -----------
6653855368 359 360 775 20001201 810,000.00
6654021077 360 360 614 20001201 430,000.00
6654175550 360 360 666 20001201 567,500.00
6654637336 359 360 667 20001201 515,000.00
6655647417 360 360 750 20001201 -
6655779582 360 360 694 20001201 -
6658136301 359 360 699 20001101 -
6660876746 360 360 783 20001201 371,000.00
0023901523 359 360 710 20001201 -
0023972458 359 360 643 20001101 -
0028232627 360 360 719 20001201 559,845.00
0028563039 357 360 697 20001101 305,000.00
0028578748 359 360 655 20001201 -
0028580074 359 360 710 20001201 534,068.00
0028581965 356 360 733 20001101 391,459.00
0028606051 359 360 703 20001101 -
0028606325 358 360 779 20001101 378,043.00
0028610012 359 360 750 20001201 419,739.00
0028624450 359 360 755 20001101 398,814.00
0028656882 359 360 736 20001201 825,000.00
0028697837 359 360 697 20001101 740,000.00
0028702546 358 360 710 20001101 301,125.00
0028719524 359 360 761 20001201 -
0028742757 359 360 722 20001101 -
0028742963 359 360 752 20001201 425,515.00
0028758696 359 360 761 20001101 391,025.00
0028771202 355 360 641 20001101 -
0028803450 357 360 750 20001101 550,000.00
0028825164 358 360 764 20001201 374,500.00
0028827491 358 360 738 20001201 380,000.00
0028830008 357 360 770 20001101 420,000.00
0028834091 359 360 762 20001201 397,764.00
0028835841 357 360 744 20001201 429,900.00
0028844462 357 360 789 20001201 380,000.00
0028847382 358 360 712 20001201 421,356.00
0028849347 359 360 730 20001201 658,000.00
0028850667 357 360 648 20001101 -
0028854461 358 360 774 20001101 421,000.00
0028858900 359 360 702 20001101 -
0028860526 358 360 787 20001201 725,000.00
0028863595 358 360 717 20001101 351,328.00
0028863603 358 360 689 20001101 360,000.00
0028863736 358 360 790 20001201 350,000.00
0028863744 359 360 761 20001201 720,000.00
0028864544 358 360 678 20001201 465,000.00
0028866614 358 360 792 20001101 950,000.00
0028869824 358 360 739 20001101 364,400.00
0028873974 358 360 713 20001101 430,000.00
0028878973 358 360 784 20001201 670,000.00
0028878981 359 360 724 20001101 290,855.00
0028879153 359 360 618 20001201 -
0028879690 358 360 777 20001201 512,500.00
0028880391 359 360 696 20001101 737,000.00
0028880706 359 360 715 20001101 579,593.00
0028880730 358 360 788 20001101 429,000.00
0028881225 358 360 741 20010101 -
0028882538 359 360 702 20001201 585,000.00
0028884047 358 360 729 20001201 372,000.00
0028884450 358 360 712 20001101 369,950.00
0028885663 358 360 705 20001201 -
0028887438 359 360 695 20001101 395,000.00
0028888147 358 360 759 20001101 286,500.00
0028888758 358 360 672 20001101 675,000.00
0028889053 359 360 729 20001201 552,292.00
0028889202 359 360 773 20001201 339,000.00
0028889756 358 360 656 20001101 499,000.00
0028892297 358 360 725 20001101 486,500.00
0028893857 358 360 722 20001201 525,000.00
0028894541 359 360 734 20001201 410,000.00
0028895548 358 360 648 20001201 299,950.00
0028895928 358 360 778 20001101 355,000.00
0028896215 358 360 725 20001201 -
0028896868 358 360 685 20001201 455,000.00
0028896900 358 360 727 20001101 460,000.00
0028897155 358 360 752 20001201 390,000.00
0028898930 358 360 691 20001201 422,500.00
0028899854 358 360 741 20001201 -
0028900157 355 360 647 20001201 -
0028900264 355 360 739 20001201 339,000.00
0028901239 357 360 743 20001101 303,000.00
0028901304 356 360 673 20001201 510,000.00
0028901502 355 360 752 20001201 -
0028901593 358 360 749 20001101 542,500.00
0028902534 358 360 747 20001201 370,000.00
0028902583 359 360 798 20001201 442,000.00
0028902807 358 360 767 20001201 282,000.00
0028903011 359 360 703 20001101 670,000.00
0028903128 359 360 707 20001101 602,944.00
0028903201 358 360 784 20001201 -
0028903243 358 360 695 20001101 550,000.00
0028904704 358 360 775 20001101 395,000.00
0028906071 359 360 759 20001101 600,000.00
0028906295 358 360 740 20001201 569,800.00
0028906576 358 360 738 20001201 -
0028907772 358 360 704 20001101 642,000.00
0028907996 358 360 743 20001101 520,000.00
0028908655 358 360 666 20001101 389,900.00
0028909679 358 360 20001101 425,000.00
0028909737 358 360 680 20001201 340,000.00
0028909935 358 360 773 20001201 430,000.00
0028909943 359 360 635 20001101 343,000.00
0028909976 359 360 791 20001101 -
0028910511 358 360 717 20001101 472,379.00
0028910750 359 360 724 20001101 423,496.00
0028910776 359 360 747 20001101 600,000.00
0028911238 358 360 774 20001201 695,000.00
0028911998 358 360 669 20001201 279,900.00
0028912533 359 360 762 20001201 406,593.00
0028912699 358 360 729 20001201 425,000.00
0028914190 359 360 762 20001201 420,800.00
0028914984 358 360 688 20001101 493,461.00
0028915346 358 360 774 20001201 620,000.00
0028915858 358 360 788 20001201 -
0028917706 358 360 767 20001101 339,000.00
0028918167 358 360 762 20010101 725,000.00
0028918191 358 360 711 20001101 341,827.00
0028918340 358 360 703 20001201 -
0028918464 358 360 761 20001101 434,281.00
0028918522 359 360 626 20001101 287,000.00
0028918571 359 360 721 20001101 385,000.00
0028919017 358 360 682 20001201 411,031.00
0028919843 358 360 776 20001201 320,000.00
0028919884 358 360 743 20001201 444,000.00
0028919892 359 360 717 20001101 -
0028920106 358 360 683 20001201 -
0028920130 358 360 667 20001101 550,000.00
0028920197 358 360 799 20001201 569,000.00
0028920270 359 360 717 20001101 595,000.00
0028920288 359 360 783 20001101 575,000.00
0028920551 359 360 750 20001201 379,990.00
0028920817 358 360 791 20001201 359,000.00
0028921369 358 360 20001101 486,000.00
0028921377 359 360 718 20001101 1,461,000.00
0028921484 358 360 799 20001201 345,000.00
0028921534 358 360 722 20001101 -
0028921807 358 360 779 20001101 -
0028922037 358 360 660 20001101 402,615.00
0028922078 359 360 710 20001201 459,000.00
0028922698 359 360 714 20001201 355,000.00
0028923167 358 360 734 20001101 -
0028923324 359 360 738 20001201 -
0028923639 359 360 674 20001101 -
0028923654 358 360 785 20001201 282,500.00
0028923696 358 360 741 20001201 308,000.00
0028924405 359 360 661 20001101 -
0028924694 358 360 668 20001101 339,500.00
0028924900 358 360 706 20001101 -
0028924918 359 360 747 20001201 -
0028924959 359 360 790 20001201 580,000.00
0028925766 359 360 20001201 -
0028926038 358 360 761 20001101 395,000.00
0028926160 359 360 740 20001101 396,000.00
0028926483 358 360 820 20001201 450,000.00
0028926632 359 360 698 20001101 -
0028927051 358 360 779 20001201 -
0028927598 359 360 743 20001101 -
0028927770 359 360 686 20001201 807,787.00
0028927861 357 360 695 20001101 343,000.00
0028927895 358 360 736 20001101 432,000.00
0028928034 358 360 617 20001101 309,000.00
0028928406 359 360 759 20001101 -
0028928745 358 360 673 20001101 339,000.00
0028929313 358 360 640 20001201 349,950.00
0028929529 359 360 753 20001201 345,000.00
0028929545 359 360 791 20001201 495,000.00
0028929578 359 360 745 20001101 2,800,000.00
0028929883 358 360 709 20001101 -
0028930501 358 360 770 20001201 364,615.00
0028930584 356 360 721 20001201 376,000.00
0028931020 358 360 693 20001101 435,000.00
0028931053 357 360 681 20001201 345,000.00
0028931145 359 360 722 20001101 400,000.00
0028931178 359 360 653 20001201 325,000.00
0028931269 357 360 784 20001101 715,030.00
0028931319 359 360 682 20001101 -
0028931384 359 360 701 20001201 450,000.00
0028931434 356 360 735 20001201 357,847.00
0028931467 357 360 706 20001201 -
0028931533 359 360 772 20001101 -
0028931939 357 360 718 20001101 430,000.00
0028932929 358 360 761 20001101 -
0028933091 359 360 762 20001201 -
0028933174 355 360 701 20001101 284,950.00
0028933216 357 360 763 20001201 680,000.00
0028933471 358 360 694 20001201 -
0028933497 356 360 705 20001101 379,000.00
0028934156 359 360 702 20001201 -
0028934230 359 360 640 20001101 649,607.00
0028934909 359 360 762 20001201 350,000.00
0028935047 359 360 737 20001101 -
0028935476 358 360 760 20001101 585,000.00
0028935526 357 360 727 20001101 415,000.00
0028935559 358 360 749 20001201 433,559.00
0028935567 357 360 685 20001201 335,000.00
0028935575 357 360 658 20001101 675,000.00
0028935583 357 360 783 20010101 349,289.00
0028935617 357 360 714 20001101 325,000.00
0028935641 357 360 762 20001201 520,000.00
0028935666 357 360 725 20001101 331,000.00
0028935708 357 360 762 20001101 420,000.00
0028935757 357 360 682 20001201 -
0028935799 356 360 678 20001101 450,000.00
0028935831 357 360 723 20001201 387,500.00
0028935856 357 360 699 20001101 360,000.00
0028935872 357 360 774 20010101 415,000.00
0028935880 357 360 757 20001101 440,000.00
0028935898 357 360 742 20001101 810,000.00
0028936185 357 360 728 20001101 -
0028936292 357 360 781 20001101 -
0028936466 357 360 672 20001101 398,000.00
0028936490 355 360 769 20001101 375,000.00
0028936557 356 360 672 20001101 415,341.00
0028936573 357 360 733 20001201 -
0028936870 359 360 761 20001101 -
0028938314 359 360 776 20001101 412,500.00
0028938934 359 360 721 20001101 345,000.00
0028940666 359 360 722 20001101 525,000.00
0028940880 359 360 20001201 300,000.00
0028941102 359 360 766 20001101 -
0028941557 359 360 670 20001101 -
0028941805 359 360 701 20001201 -
0028942688 358 360 645 20001101 425,000.00
0028942829 359 360 715 20001201 376,360.00
0028942936 359 360 777 20001201 497,250.00
0028942969 359 360 774 20001201 -
0028945533 359 360 715 20001101 524,853.00
0028945616 359 360 734 20001101 460,000.00
0028946622 359 360 675 20001101 379,000.00
0028946671 359 360 751 20001201 420,000.00
0028946838 359 360 750 20001201 381,189.00
0028947562 359 360 712 20001201 399,000.00
0028947570 359 360 736 20001201 510,000.00
0028947620 359 360 672 20001101 -
0028947794 358 360 695 20001101 475,000.00
0028948180 359 360 642 20001101 -
0028948636 359 360 759 20001101 379,500.00
0028949873 359 360 765 20001201 398,000.00
0028950095 359 360 722 20001201 900,000.00
0028950319 359 360 703 20001101 660,322.00
0028950368 359 360 626 20001101 330,000.00
0028951309 358 360 780 20001201 362,233.00
0028951457 358 360 713 20001201 429,592.00
0028951473 358 360 780 20001101 741,194.00
0028951481 358 360 642 20001101 300,684.00
0028951523 358 360 703 20001101 357,383.00
0028951564 358 360 674 20001101 350,186.00
0028952000 356 360 716 20001201 -
0028952034 356 360 659 20001101 -
0028952109 357 360 631 20001201 -
0028952232 357 360 642 20001101 300,543.00
0028952273 358 360 728 20001101 350,000.00
0028952356 358 360 747 20001201 900,000.00
0028952398 358 360 648 20001101 335,401.00
0028952414 358 360 752 20001201 317,833.00
0028952422 358 360 782 20001201 407,877.00
0028952588 358 360 716 20001101 358,231.00
0028952687 358 360 789 20001201 412,000.00
0028952893 358 360 685 20001201 346,005.00
0028952976 358 360 760 20001201 468,390.00
0028953248 359 360 765 20001201 -
0028953289 359 360 696 20001101 -
0028953412 357 360 697 20001101 -
0028953420 356 360 682 20001101 403,000.00
0028954220 358 360 746 20001101 406,420.00
0028954618 359 360 728 20001101 436,000.00
0028954774 359 360 672 20001101 479,000.00
0028954790 359 360 695 20001201 730,000.00
0028955003 359 360 783 20001201 -
0028955367 352 355 702 20001101 625,000.00
0028955714 359 360 696 20001101 497,000.00
0028956340 358 360 730 20001201 -
0028956381 356 360 711 20001201 -
0028956423 356 360 738 20001101 -
0028956464 357 360 659 20001101 -
0028956506 356 360 781 20001201 -
0028956555 357 360 715 20001101 -
0028956605 357 360 770 20001101 -
0028956639 357 360 672 20001101 487,000.00
0028956654 358 360 671 20001101 -
0028956670 356 360 762 20001101 408,000.00
0028956761 357 360 717 20001101 415,900.00
0028956811 358 360 780 20001201 520,000.00
0028957355 359 360 716 20001201 314,200.00
0028957603 359 360 690 20001101 501,654.00
0028958353 356 360 656 20001101 360,173.00
0028958361 357 360 719 20001201 385,000.00
0028958411 357 360 710 20001101 500,000.00
0028958445 359 360 760 20001101 350,000.00
0028958452 358 360 749 20001201 371,000.00
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EXHIBIT E
REQUEST FOR RELEASE OF DOCUMENTS
[date]
To: The Bank of New York
101 Barclay Street - 12 E
New York, New York 10286
Attn: Inventory Control
Re: The Pooling and Servicing Agreement dated November 21, 2000, among
Bank of America Mortgage Securities, Inc., as Depositor, Bank of
America, N.A., as Servicer, and The Bank of New York, as Trustee
In connection with the administration of the Mortgage Loans held by you,
as Custodian, pursuant to the above-captioned Pooling and Servicing Agreement,
we request the release, and hereby acknowledge receipt, of the Mortgage File for
the Mortgage Loan described below, for the reason indicated.
Mortgage Loan Number:
--------------------
Mortgagor Name, Address & Zip Code:
----------------------------------
Reason for Requesting Documents (check one)
-------------------------------
____ 1. Mortgage Paid in Full
____ 2. Foreclosure
____ 3. Substitution
____ 4. Other Liquidation
____ 5. Nonliquidation Reason: ___________________
By:
----------------------------------------
(authorized signer of Bank of America
Mortgage Securities, Inc.)
Issuer:
-------------------------------------
Address:
------------------------------------
--------------------------------------------
Date:
---------------------------------------
Custodian
---------
The Bank of New York
Please acknowledge the execution of the above request by your signature and date
below:
---------------------------------- ---------------
Signature Date
Documents returned to Custodian:
----------------------------------- ----------------
Custodian Date
EXHIBIT F
FORM OF CERTIFICATION OF ESTABLISHMENT OF ACCOUNT
[Date]
[_______________] hereby certifies that it has established a [__________]
Account pursuant to Section [________] of the Pooling and Servicing Agreement,
dated November 21, 2000, among Bank of America Mortgage Securities, Inc., as
Depositor, Bank of America, N.A., as Servicer, and The Bank of New York, as
Trustee.
[---------------],
By:
---------------------------------------------
Name:
-------------------------------------------
Title:
------------------------------------------
EXHIBIT G-1
FORM OF TRANSFEROR CERTIFICATE
FOR TRANSFERS OF PRIVATE CERTIFICATES
[Date]
The Bank of New York
101 Barclay Street - 12 E
New York, New York 10286
Re: Bank of America Mortgage Securities, Inc., Mortgage Pass-Through
Certificates, Series 2000-7, Class ___, having an initial aggregate
Certificate Balance as of November 21, 2000 of $___________
Ladies and Gentlemen:
This letter is delivered to you in connection with the transfer by
[______________] (the "Transferor") to [______________] (the "Transferee") of
the captioned Certificates (the "Transferred Certificates"), pursuant to Section
6.02 of the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement"), dated November 21, 2000, among Bank of America Mortgage Securities,
Inc., as Depositor, Bank of America, N.A., as Servicer, and The Bank of New
York, as Trustee. All capitalized terms used herein and not otherwise defined
shall have the respective meanings set forth in the Pooling and Servicing
Agreement. The Transferor hereby certifies, represents and warrants to you, as
Trustee, that:
1. The Transferor is the lawful owner of the Transferred
Certificates with the full right to transfer such Certificates free from
any and all claims and encumbrances whatsoever.
2. Neither the Transferor nor anyone acting on its behalf has (a)
offered, transferred, pledged, sold or otherwise disposed of any
Transferred Certificate, any interest in a Transferred Certificate or any
other similar security to any person in any manner, (b) solicited any
offer to buy or accept a transfer, pledge or other disposition of any
Transferred Certificate, any interest in a Transferred Certificate or any
other similar security from any person in any manner, (c) otherwise
approached or negotiated with respect to any Transferred Certificate, any
interest in a Transferred Certificate or any other similar security with
any person in any manner, (d) made any general solicitation with respect
to any Transferred Certificate, any interest in a Transferred Certificate
or any other similar security by means of general advertising or in any
other manner, or (e) taken any other action with respect to any
Transferred Certificate, any interest in a Transferred Certificate or any
other similar security, which (in the case of any of the acts described in
clauses (a) through (e) hereof) would constitute a distribution of the
Transferred Certificates under the Securities Act of 1933, as amended (the
"1933 Act"), would render the disposition of the Transferred Certificates
a violation of Section 5 of the 1933 Act or any state securities laws, or
would require registration or qualification of the Transferred
Certificates pursuant to the 1933 Act or any state securities laws.
Very truly yours,
--------------------------------------------
(Transferor)
By:
-----------------------------------------
Name:
---------------------------------------
Title:
--------------------------------------
EXHIBIT G-2A
FORM I OF TRANSFEREE CERTIFICATE
FOR TRANSFERS OF PRIVATE CERTIFICATES
[Date]
The Bank of New York
000 Xxxxxxx Xxxxxx - 00 X
Xxx Xxxx, Xxx Xxxx 00000
Re: Bank of America Mortgage Securities, Inc., Mortgage Pass-Through
Certificates, Series 2000-7, Class ___, having an initial aggregate
Certificate Balance as of November 21, 2000 of $_________]
Ladies and Gentlemen:
This letter is delivered to you in connection with the transfer by
[_______________] (the "Transferor") to [_________________________________] (the
"Transferee") of the captioned Certificates (the "Transferred Certificates"),
pursuant to Section 6.02 of the Pooling and Servicing Agreement (the "Pooling
and Servicing Agreement"), dated November 21, 2000, among Bank of America
Mortgage Securities, Inc., as Depositor, Bank of America, N.A., as Servicer, and
The Bank of New York, as Trustee. All capitalized terms used herein and not
otherwise defined shall have the respective meanings set forth in the Pooling
and Servicing Agreement. The Transferor hereby certifies, represents and
warrants to you, as Trustee, that:
1. The Transferee is a "qualified institutional buyer" (a "Qualified
Institutional Buyer") as that term is defined in Rule 144A ("Rule 144A")
under the Securities Act of 1933, as amended (the "1933 Act"), and has
completed one of the forms of certification to that effect attached hereto
as Annex 1 and Annex 2. The Transferee is aware that the sale to it is
being made in reliance on Rule 144A. The Transferee is acquiring the
Transferred Certificates for its own account or for the account of another
Qualified Institutional Buyer, and understands that such Transferred
Certificates may be resold, pledged or transferred only (a) to a person
reasonably believed to be a Qualified Institutional Buyer that purchases
for its own account or for the account of another Qualified Institutional
Buyer to whom notice is given that the resale, pledge or transfer is being
made in reliance on Rule 144A, or (b) pursuant to another exemption from
registration under the 1933 Act.
2. The Transferee has been furnished with all information regarding
(a) the Depositor, (b) the Transferred Certificates and distributions
thereon, (c) the nature, performance and servicing of the Mortgage Loans,
(d) the Pooling and Servicing Agreement and the Trust created pursuant
thereto, (e) any credit enhancement mechanism associated with the
Transferred Certificate, and (f) all related matters, that it has
requested.
3. If the Transferee proposes that the Transferred Certificates be
registered in the name of a nominee, such nominee has completed the
Nominee Acknowledgment below.
Very truly yours,
--------------------------------------------
(Transferor)
By:
-----------------------------------------
Name:
---------------------------------------
Title:
--------------------------------------
Nominee Acknowledgment
----------------------
The undersigned hereby acknowledges and agrees that as to the Transferred
Certificates being registered in its name, the sole beneficial owner thereof is
and shall be the Transferee identified above, for whom the undersigned is acting
as nominee.
--------------------------------------------
(Nominee)
By:
-----------------------------------------
Name:
---------------------------------------
Title:
--------------------------------------
ANNEX 1 TO EXHIBIT G-2A
QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A
[For Transferees Other Than Registered Investment Companies]
The undersigned hereby certifies as follows to [__________________] (the
"Transferor") and The Bank of New York, as Trustee, with respect to the mortgage
pass-through certificates (the "Transferred Certificates") described in the
Transferee certificate to which this certification relates and to which this
certification is an Annex:
1. As indicated below, the undersigned is the chief financial officer, a
person fulfilling an equivalent function, or other executive officer of the
entity purchasing the Transferred Certificates (the "Transferee").
2. The Transferee is a "qualified institutional buyer" as that term is
defined in Rule 144A ("Rule 144A") under the Securities Act of 1933, as amended,
because (i) the Transferee owned and/or invested on a discretionary basis
$______________________(1) in securities (other than the excluded securities
referred to below) as of the end of the Transferee's most recent fiscal year
(such amount being calculated in accordance with Rule 144A) and (ii) the
Transferee satisfies the criteria in the category marked below.
___ Corporation, etc. The Transferee is a corporation (other than a
bank, savings and loan association or similar institution),
Massachusetts or similar business trust, partnership, or any
organization described in Section 501(c)(3) of the Internal Revenue
Code of 1986.
___ Bank. The Transferee (a) is a national bank or a banking institution
organized under the laws of any state, U.S. 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, as of a date not
more than 16 months preceding the date of sale of the Transferred
Certificates in the case of a U.S. bank, and not more than 18 months
preceding such date of sale in the case of a foreign bank or
equivalent institution.
___ Savings and Loan. The Transferee (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 institute 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, as of a date not
more than 16 months preceding the date of sale of the Transferred
Certificates in the case of a U.S. savings and loan association, and
not more than 18 months preceding such date of sale in the case of a
foreign savings and loan association or equivalent institution.
___ Broker-dealer. The Transferee is a dealer registered pursuant to
Section 15 of the Securities Exchange Act of 1934, as amended.
___ Insurance Company. The Transferee 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, U.S.
territory or the District of Columbia.
___ State or Local Plan. The Transferee 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 Transferee is an employee benefit plan within the
meaning of Title I of the Employee Retirement Income Security Act of
1974.
___ Investment Advisor. The Transferee is an investment advisor
registered under the Investment Advisers Act of 1940.
--------
(1) Transferee must own and/or invest on a discretionary basis at least
$100,000,000 in securities unless Transferee is a dealer, and, in that
case, Transferee must own and/or invest on a discretionary basis at least
$10,000,000 in securities.
___ Other. (Please supply a brief description of the entity and a
cross-reference to the paragraph and subparagraph under subsection
(a)(1) of Rule 144A pursuant to which it qualifies. Note that
registered investment companies should complete Annex 2 rather than
this Annex 1.)
3. The term "securities" as used herein does not include (i) securities of
issuers that are affiliated with the Transferee, (ii) securities that are part
of an unsold allotment to or subscription by the Transferee, if the Transferee
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.
For purposes of determining the aggregate amount of securities owned and/or
invested on a discretionary basis by the Transferee, the Transferee did not
include any of the securities referred to in this paragraph.
4. For purposes of determining the aggregate amount of securities owned
and/or invested on a discretionary basis by the Transferee, the Transferee used
the cost of such securities to the Transferee, unless the Transferee reports its
securities holdings in its financial statements on the basis of their market
value, and no current information with respect to the cost of those securities
has been published, in which case the securities were valued at market. Further,
in determining such aggregate amount, the Transferee may have included
securities owned by subsidiaries of the Transferee, but only if such
subsidiaries are consolidated with the Transferee in its financial statements
prepared in accordance with generally accepted accounting principles and if the
investments of such subsidiaries are managed under the Transferee's direction.
However, such securities were not included if the Transferee is a
majority-owned, consolidated subsidiary of another enterprise and the Transferee
is not itself a reporting company under the Securities Exchange Act of 1934, as
amended.
5. The Transferee is familiar with Rule 144A and understands that the
Transferor and other parties related to the Transferred Certificates are relying
and will continue to rely on the statements made herein because one or more
sales to the Transferee may be in reliance on Rule 144A.
____ ____ Will the Transferee be purchasing the
Yes No Transferred Certificates only for the
Transferee's own account?
6. If the answer to the foregoing question is "no," then in each case
where the Transferee is purchasing for an account other than its own, such
account belongs to a third party that is itself a "qualified institutional
buyer" within the meaning of Rule 144A, and the "qualified institutional buyer"
status of such third party has been established by the Transferee through one or
more of the appropriate methods contemplated by Rule 144A.
7. The Transferee 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 Transferee's purchase of the Transferred
Certificates will constitute a reaffirmation of this certification as of the
date of such purchase. In addition, if the Transferee is a bank or savings and
loan as provided above, the Transferee agrees that it will furnish to such
parties any updated annual financial statements that become available on or
before the date of such purchase, promptly after they become available.
--------------------------------------------
Print Name of Transferee
By:
-----------------------------------------
Name:
---------------------------------------
Title:
--------------------------------------
Date:
---------------------------------------
ANNEX 2 TO EXHIBIT G-2A
QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A
[For Transferees That Are Registered Investment Companies]
The undersigned hereby certifies as follows to [_________________] (the
"Transferor") and The Bank of New York, as Trustee, with respect to the mortgage
pass-through certificates (the "Transferred Certificates") described in the
Transferee certificate to which this certification relates and to which this
certification is an Annex:
1. As indicated below, the undersigned is the chief financial officer, a
person fulfilling an equivalent function, or other executive officer of the
entity purchasing the Transferred Certificates (the "Transferee") or, if the
Transferee is a "qualified institutional buyer" as that term is defined in Rule
144A ("Rule 144A") under the Securities Act of 1933, as amended, because the
Transferee is part of a Family of Investment Companies (as defined below), is an
executive officer of the investment adviser (the "Adviser").
2. The Transferee is a "qualified institutional buyer" as defined in Rule
144A because (i) the Transferee is an investment company registered under the
Investment Company Act of 1940, and (ii) as marked below, the Transferee alone
owned and/or invested on a discretionary basis, or the Transferee'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 Transferee's most
recent fiscal year. For purposes of determining the amount of securities owned
by the Transferee or the Transferee's Family of Investment Companies, the cost
of such securities was used, unless the Transferee or any member of the
Transferee's Family of Investment Companies, as the case may be, reports its
securities holdings in its financial statements on the basis of their market
value, and no current information with respect to the cost of those securities
has been published, in which case the securities of such entity were valued at
market.
____ The Transferee owned and/or invested on a discretionary basis
$____________________ in securities (other than the excluded
securities referred to below) as of the end of the Transferee's most
recent fiscal year (such amount being calculated in accordance with
Rule 144A).
____ The Transferee 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
Transferee's most recent fiscal year (such amount being calculated
in accordance with Rule 144A).
3. 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).
4. The term "securities" as used herein does not include (i) securities of
issuers that are affiliated with the Transferee or are part of the Transferee'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. For purposes of determining the aggregate amount of securities
owned and/or invested on a discretionary basis by the Transferee, or owned by
the Transferee's Family of Investment Companies, the securities referred to in
this paragraph were excluded.
5. The Transferee is familiar with Rule 144A and understands that the
Transferor and other parties related to the Transferred Certificates are relying
and will continue to rely on the statements made herein because one or more
sales to the Transferee will be in reliance on Rule 144A.
____ ____ Will the Transferee be purchasing the
Yes No Transferred Certificates only for the
Transferee's own account?
6. If the answer to the foregoing question is "no," then in each case
where the Transferee is purchasing for an account other than its own, such
account belongs to a third party that is itself a "qualified institutional
buyer" within the meaning of Rule 144A, and the "qualified institutional buyer"
status of such third party has been established by the Transferee through one or
more of the appropriate methods contemplated by Rule 144A.
7. The undersigned will notify the parties to which this certification is
made of any changes in the information and conclusions herein. Until such
notice, the Transferee's purchase of the Transferred Certificates will
constitute a reaffirmation of this certification by the undersigned as of the
date of such purchase.
--------------------------------------------
Print Name of Transferee
By:
-----------------------------------------
Name:
---------------------------------------
Title:
--------------------------------------
Date:
---------------------------------------
IF AN ADVISER:
--------------------------------------------
Print Name of Transferee
By:
-----------------------------------------
Name:
---------------------------------------
Title:
--------------------------------------
Date:
---------------------------------------
EXHIBIT G-2B
FORM II OF TRANSFEREE CERTIFICATE
FOR TRANSFERS OF PRIVATE CERTIFICATES
[Date]
The Bank of New York
000 Xxxxxxx Xxxxxx-00 X
Xxx Xxxx, Xxx Xxxx 00000
Re: Bank of America Mortgage Securities, Inc., Mortgage Pass-Through
Certificates, Series 2000-7, Class ___, having an initial aggregate
Certificate Principal Balance as of November 21, 2000 of $_________
Ladies and Gentlemen:
This letter is delivered to you in connection with the transfer by
[_______________________] (the "Transferor") to
[_________________________________] (the "Transferee") of the captioned
Certificates (the "Transferred Certificates"), pursuant to Section 6.02 of the
Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated
November 21, 2000, among Bank of America Mortgage Securities, Inc., as
Depositor, Bank of America, N.A., as Servicer, and The Bank of New York, as
Trustee. All capitalized terms used herein and not otherwise defined shall have
the respective meanings set forth in the Pooling and Servicing Agreement. The
Transferor hereby certifies, represents and warrants to you, as Trustee, that:
1. Transferee is acquiring the Transferred Certificates for its own
account for investment and not with a view to or for sale or transfer in
connection with any distribution thereof, in whole or in part, in any manner
which would violate the Securities Act of 1933, as amended (the "1933 Act"), or
any applicable state securities laws.
2. Transferee understands that (a) the Transferred Certificates have not
been and will not be registered under the 1933 Act or registered or qualified
under any applicable state securities laws, (b) neither the Depositor nor the
Trustee is obligated so to register or qualify the Transferred Certificates and
(c) neither the Transferred Certificates nor any security issued in exchange
therefor or in lieu thereof may be resold or transferred unless such resale or
transfer is exempt from the registration requirements of the 1933 Act and any
applicable state securities laws or is made in accordance with the 1933 Act and
laws, in which case (i) unless the transfer is made in reliance on Rule 144A
under the 1933 Act, the Trustee or the Depositor may require a written Opinion
of Counsel (which may be in-house counsel) acceptable to and in form and
substance reasonably satisfactory to the Trustee and the Depositor that such
transfer may be made pursuant to an exemption, describing the applicable
exemption and the basis therefor, from the 1933 Act and such laws or is being
made pursuant to the 1933 Act and such laws, which Opinion of Counsel shall not
be an expense of the Trustee or the Depositor and (ii) the Trustee shall require
a certificate from the Certificateholder desiring to effect such transfer
substantially in the form attached to the Pooling and Servicing Agreement as
Exhibit G-1 and a certificate from such Certificateholder's prospective
transferee substantially in the form attached to the Pooling and Servicing
Agreement either as Exhibit G-2A or as Exhibit G-2B, which certificates shall
not be an expense of the Trustee or the Depositor; provided that the foregoing
requirements under clauses (i) and (ii) shall not apply to a transfer of a
Private Certificate between or among the Depositor, the Seller, their affiliates
or both.
3. The Transferee understands that it may not sell or otherwise transfer
the Transferred Certificates, any security issued in exchange therefor or in
lieu thereof or any interest in the foregoing except in compliance with the
provisions of Section 6.02 of the Pooling and Servicing Agreement, which
provisions it has carefully reviewed, and that the Transferred Certificates will
bear legends substantially to the following effect:
THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933,
AS AMENDED (THE "1933 ACT"). ANY RESALE OR TRANSFER OF THIS CERTIFICATE
WITHOUT REGISTRATION THEREOF UNDER THE 1933 ACT MAY ONLY BE MADE IN A
TRANSACTION EXEMPTED FROM THE REGISTRATION REQUIREMENTS OF THE 1933 ACT
AND IN ACCORDANCE WITH THE PROVISIONS OF THE POOLING AND SERVICING
AGREEMENT REFERENCED HEREIN.
UNDER CURRENT LAW THE PURCHASE AND HOLDING OF THIS CERTIFICATE BY OR ON
BEHALF OF ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN
INDIVIDUAL RETIREMENT ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME
SECURITY ACT OF 1974, AS AMENDED ("ERISA"), THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE"), OR ANY FEDERAL, STATE OR LOCAL LAW
("SIMILAR LAW") WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A
"PLAN"), MAY RESULT IN "PROHIBITED TRANSACTIONS" WITHIN THE MEANING OF
ERISA, THE CODE OR SIMILAR LAW. TRANSFER OF THIS CERTIFICATE WILL NOT BE
MADE UNLESS THE TRANSFEREE DELIVERS TO THE TRUSTEE EITHER (I) A
REPRESENTATION LETTER, IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE,
STATING THAT (A) IT IS NOT, AND IS NOT ACTING ON BEHALF OF, ANY SUCH PLAN
OR USING THE ASSETS OF ANY SUCH PLAN TO EFFECT SUCH PURCHASE OR (B) IF IT
IS AN INSURANCE COMPANY, THAT THE SOURCE OF FUNDS USED TO PURCHASE THIS
CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (AS SUCH TERM IS
DEFINED IN SECTION V(E) OF PROHIBITED TRANSACTION CLASS EXEMPTION 95-60
("PTE 95-60"), 60 FED. REG. 35925 (JULY 12, 1995)), THERE IS NO BENEFIT
PLAN WITH RESPECT TO WHICH THE AMOUNT OF SUCH GENERAL ACCOUNT'S RESERVES
AND LIABILITIES FOR THE CONTRACT(S) HELD BY OR ON BEHALF OF SUCH BENEFIT
PLAN AND ALL OTHER BENEFIT PLANS MAINTAINED BY THE SAME EMPLOYER (OR
AFFILIATE THEREOF AS DEFINED IN SECTION V(A)(1) OF PTE 95-60) OR BY THE
SAME EMPLOYEE ORGANIZATION EXCEEDS 10% OF THE TOTAL OF ALL RESERVES AND
LIABILITIES OF SUCH GENERAL ACCOUNT (AS SUCH AMOUNTS ARE DETERMINED UNDER
SECTION I(A) OF PTE 95-60) AT THE DATE OF ACQUISITION AND ALL PLANS THAT
HAVE AN INTEREST IN SUCH GENERAL ACCOUNT ARE PLANS TO WHICH PTE 95-60
APPLIES, OR (II) AN OPINION OF COUNSEL, IN FORM AND SUBSTANCE SATISFACTORY
TO THE TRUSTEE AND THE SERVICER, TO THE EFFECT THAT THE PURCHASE OR
HOLDING OF THIS CERTIFICATE BY OR ON BEHALF OF SUCH PLAN WILL NOT RESULT
IN THE ASSETS OF THE TRUST BEING DEEMED TO BE "PLAN ASSETS" AND SUBJECT TO
THE PROHIBITED TRANSACTION PROVISIONS OF ERISA, THE CODE OR SIMILAR LAW
AND WILL NOT SUBJECT THE DEPOSITOR, THE SERVICER OR THE TRUSTEE TO ANY
OBLIGATION IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING AND SERVICING
AGREEMENT. EACH PERSON WHO ACQUIRES THIS CERTIFICATE OR ANY INTEREST
THEREIN SHALL BE DEEMED TO HAVE MADE THE REPRESENTATIONS REQUIRED BY THE
REPRESENTATION LETTER REFERRED TO IN THE PRECEDING SENTENCE UNLESS SUCH
PERSON SHALL HAVE PROVIDED SUCH REPRESENTATION LETTER OR THE OPINION OF
COUNSEL REFERRED TO IN THE PRECEDING SENTENCE TO THE TRUSTEE. THE POOLING
AND SERVICING AGREEMENT PROVIDES THAT ANY ATTEMPTED OR PURPORTED TRANSFER
IN VIOLATION OF THESE TRANSFER RESTRICTIONS WILL BE NULL AND VOID AND WILL
VEST NO RIGHTS IN ANY PURPORTED TRANSFEREE.
4. Neither the Transferee nor anyone acting on its behalf has (a) offered,
transferred, pledged, sold or otherwise disposed of any Transferred Certificate,
any interest in a Transferred Certificate or any other similar security to any
person in any manner, (b) solicited any offer to buy or accept a transfer,
pledge or other disposition of any Transferred Certificate, any interest in a
Transferred Certificate or any other similar security from any person in any
manner, (c) otherwise approached or negotiated with respect to any Transferred
Certificate, any interest in a Transferred Certificate or any other similar
security with any person in any manner, (d) made any general solicitation by
means of general advertising or in any other manner, or (e) taken any other
action, that (in the case of any of the acts described in clauses (a) through
(e) above) would constitute a distribution of the Transferred Certificates under
the 1933 Act, would render the disposition of the Transferred Certificates a
violation of Section 5 of the 1933 Act or any state securities law or would
require registration or qualification of the Transferred Certificates pursuant
thereto. The Transferee will not act, nor has it authorized nor will it
authorize any person to act, in any manner set forth in the foregoing sentence
with respect to the Transferred Certificates, any interest in the Transferred
Certificates or any other similar security.
5. The Transferee has been furnished with all information regarding (a)
the Depositor, (b) the Transferred Certificates and distributions thereon, (c)
nature, performance and servicing of the Mortgage Loans., (d) the Pooling and
Servicing Agreement and the Trust created pursuant thereto, (e) any credit
enhancement mechanism associated with the Transferred Certificates, and (f) all
related matters, that it has requested.
6. The Transferee is an "accredited investor" within the meaning of
paragraph (1), (2), (3) or (7) of Rule 501 (a) under the 1933 Act or an entity
in which all the equity owners come within such paragraphs and has such
knowledge and experience in financial and business matters as to be capable of
evaluating the merits and risks of an investment in the Transferred
Certificates; the Transferee has sought such accounting, legal and tax advice as
it has considered necessary to make an informed investment decision; and the
Transferee is able to bear the economic risks of such an investment and can
afford a complete loss of such investment.
7. If the Transferee proposes that the Transferred Certificates be
registered in the name of a nominee, such nominee has completed the Nominee
Acknowledgment below.
Very truly yours,
--------------------------------------------
(Transferor)
By:
-----------------------------------------
Name:
---------------------------------------
Title:
--------------------------------------
Date:
---------------------------------------
Nominee Acknowledgment
----------------------
The undersigned hereby acknowledges and agrees that as to the Transferred
Certificates being registered in its name, the sole beneficial owner thereof is
and shall be the Transferee identified above, for whom the undersigned is acting
as nominee.
--------------------------------------------
(Nominee)
By:
-----------------------------------------
Name:
---------------------------------------
Title:
--------------------------------------
EXHIBIT H
FORM OF TRANSFEREE REPRESENTATION LETTER
FOR BENEFIT PLAN-RESTRICTED CERTIFICATES
The Bank of New York
000 Xxxxxxx Xxxxxx - 00 X
Xxx Xxxx, Xxx Xxxx 00000
Re: Bank of America Mortgage Securities, Inc., Mortgage Pass-Through
Certificates, Series 2000-7, Class ___, having an initial aggregate
Certificate Principal Balance as of November 21, 2000 of $_________
Ladies and Gentlemen:
This letter is delivered to you in connection with the transfer by
[_______________________] (the "Transferor") to
[________________________________] (the "Transferee") of the captioned
Certificates (the "Transferred Certificates"), pursuant to Section 6.02 of the
Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated
November 21, 2000, among Bank of America Mortgage Securities, Inc., as
Depositor, Bank of America, N.A., as Servicer, and The Bank of New York, as
Trustee. All capitalized terms used herein and not otherwise defined shall have
the respective meanings set forth in the Pooling and Servicing Agreement.
The Transferee hereby certifies, represents and warrants to you, as
Trustee, either that:
(a) it is not, and is not acting on behalf of, an employee benefit plan or
arrangement, including an individual retirement account, subject to the Employee
Retirement Income Security Act of 1974, as amended ("ERISA"), the Internal
Revenue Code of 1986, as amended (the "Code"), or any federal, state or local
law ("Similar Law") which is similar to ERISA or the Code (collectively, a
"Plan"), and it is not using the assets of any such Plan to effect the purchase
of the Transferred Certificates; or
(b) it is an insurance company and the source of funds used to purchase
the Transferred Certificates is an "insurance company general account" (as
defined in Section V(e) of Prohibited Transaction Class Exemption 95-60 ("PTE
95-60"), 60 Fed. Reg. 35925 (July 12, 1995)), there is no Plan with respect to
which the amount of such general account's reserves and liabilities for the
contract(s) held by or on behalf of such Plan and all other Plans maintained by
the same employer (or affiliate thereof as defined in Section V(a)(1) of PTE
95-60) or by the same employee organization exceeds 10% of the total of all
reserves and liabilities of such general account (as such amounts are determined
under Section I(a) of PTE 95-60) at the date of acquisition and all Plans that
have an interest in such general account are Plans to which PTE 95-60 applies.
Capitalized terms used in and not otherwise defined herein shall have the
meaning assigned to them in the Pooling and Servicing Agreement.
Very truly yours,
--------------------------------------------
(Transferor)
By:
-----------------------------------------
Name:
---------------------------------------
Title:
--------------------------------------
Date:
---------------------------------------
EXHIBIT I
FORM OF AFFIDAVIT REGARDING TRANSFER OF
RESIDUAL CERTIFICATE PURSUANT TO SECTION 6.02
Bank of America Mortgage Securities, Inc.
Mortgage Pass-Through Certificates,
Series 2000-7
STATE OF )
) ss:
COUNTY OF )
The undersigned, being first duly sworn, deposes and says as follows:
1. The undersigned is an officer of _______________________________, the
proposed transferee (the "Transferee") of the Class A-R or Class A-LR
Certificate (the "Certificate") issued pursuant to the Pooling and Servicing
Agreement, dated November 21, 2000, (the "Agreement"), relating to the
above-referenced Series, by and among Bank of America Mortgage Securities, Inc.,
as depositor (the "Depositor"), Bank of America, N.A., as servicer, and The Bank
of New York, as trustee. Capitalized terms used but not defined herein shall
have the meanings ascribed to such terms in the Agreement. The Transferee has
authorized the undersigned to make this affidavit on behalf of the Transferee.
2. The Transferee is, as of the date hereof, and will be, as of the date
of the transfer, a Permitted Transferee. The Transferee is acquiring the
Certificate either (i) for its own account or (ii) as nominee, trustee or agent
for another Person who is a Permitted Transferee and has attached hereto an
affidavit from such Person in substantially the same form as this affidavit. The
Transferee has no knowledge that any such affidavit is false.
3. The Transferee has been advised of, and understands that (i) a tax will
be imposed on Transfers of the Certificate to Persons that are not Permitted
Transferees; (ii) such tax will be imposed on the transferor, or, if such
transfer is through an agent (which includes a broker, nominee or middleman) for
a Person that is not a Permitted Transferee, on the agent; and (iii) the Person
otherwise liable for the tax shall be relieved of liability for the tax if the
subsequent Transferee furnished to such Person an affidavit that such subsequent
Transferee is a Permitted Transferee and, at the time of transfer, such Person
does not have actual knowledge that the affidavit is false.
4. The Transferee has been advised of, and understands that a tax will be
imposed on a "pass-through entity" holding the Certificate if at any time during
the taxable year of the pass-through entity a Person that is not a Permitted
Transferee is the record Holder of an interest in such entity. The Transferee
understands that, other than in the case of an "electing large partnership"
under Section 775 of the Code, such tax will not be imposed for any period with
respect to which the record Holder furnishes to the pass-through entity an
affidavit that such record Holder is a Permitted Transferee and the pass-through
entity does not have actual knowledge that such affidavit is false. (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 and, except as may be provided in Treasury Regulations,
persons holding interests in pass-through entities as a nominee for another
Person.)
5. The Transferee has reviewed the provisions of Section 6.02 of the
Agreement and understands the legal consequences of the acquisition of the
Certificate including, without limitation, the restrictions on subsequent
Transfers and the provisions regarding voiding the transfer and mandatory sales.
The Transferee expressly agrees to be bound by and to abide by the provisions of
Section 6.02 of the Agreement and the restrictions noted on the face of the
Certificate. The Transferee understands and agrees that any breach of any of the
representations included herein shall render the transfer to the Transferee
contemplated hereby null and void.
6. The Transferee agrees to require a transfer affidavit in the form of
this Affidavit from any Person to whom the Transferee attempts to transfer the
Certificate, and in connection with any transfer by a Person for whom the
Transferee is acting as nominee, trustee or agent, and the Transferee will not
transfer the Certificate or cause the Certificate to be transferred to any
Person that the Transferee knows is not a Permitted Transferee.
7. The Transferee historically has paid its debts as they have become due.
8. The Transferee does not have the intention to impede the assessment or
collection of any tax legally required to be paid with respect to the
Certificate.
9. The Transferee's taxpayer identification number is __________________.
10. The Transferee is a U.S. Person as defined in Code Section
7701(a)(30).
11. The Transferee is aware that the Certificate may be a "noneconomic
residual interest" within the meaning of proposed 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. The Transferee understands
that it may incur tax liabilities with respect to the Certificate in excess of
cash flows generated thereby, and agrees to pay taxes associated with holding
the Certificate as such taxes become due.
12. The Transferee is not an employee benefit plan or arrangement,
including an individual retirement account, subject to ERISA, the Code or any
federal, state or local law which is similar to ERISA or the Code, and the
Transferee is not acting on behalf of such a plan or arrangement.
* * *
IN WITNESS WHEREOF, the Transferee has caused this instrument to be
executed on its behalf, pursuant to authority of its Board of Directors, by its
duly authorized officer this _____ day of ________________, ____.
--------------------------------------------
Print Name of Transferee
By:
-----------------------------------------
Name:
Title:
Personally appeared before me the above-named ___________________________,
known or proved to me to be the same person who executed the foregoing
instrument and to be the _______________________ of the Transferee, and
acknowledged that he executed the same as his free act and deed and the free act
and deed of the Transferee.
Subscribed and sworn before me this _____ day of _______________________,
____
--------------------------------------------
NOTARY PUBLIC
My Commission expires the ____ day of
______________, ____
EXHIBIT J
CONTENTS OF THE SERVICER MORTGAGE FILE
1. Copies of Mortgage Loans Documents.
2. Residential loan application.
3. Mortgage Loan closing statement.
4. Verification of employment and income, if required.
5. Verification of acceptable evidence of source and amount of downpayment.
6. Credit report on Mortgagor, in a form acceptable to either FNMA or FHLMC.
7. Residential appraisal report.
8. Photograph of the Mortgaged Property.
9. Survey of the Mortgaged Property, unless a survey is not required by the
title insurer.
10. Copy of each instrument necessary to complete identification of any
exception set forth in the exception schedule in the title policy, i.e.,
map or plat, restrictions, easements, home owner association declarations,
etc.
11. Copies of all required disclosure statements.
12. If applicable, termite report, structural engineer's report, water
potability and septic certification.
13. Sales Contract, if applicable.
14. The Primary Insurance Policy or certificate of insurance or an electronic
notation of the existence of such policy, where required pursuant to the
Agreement.
15. Evidence of electronic notation of the hazard insurance policy, and if
required by law, evidence of the flood insurance policy.
EXHIBIT K
FORM OF SPECIAL SERVICING AGREEMENT
This Special Servicing Agreement (the "Agreement") is made and
entered into as of ___________________, between Bank of America, N.A. (the
"Servicer") and ___________________ (the "Loss Mitigation Advisor ").
PRELIMINARY STATEMENT
_________________ (the "Purchaser") is the holder of the entire interest
in Bank of America Mortgage Securities, Inc.; Mortgage Pass-Through
Certificates, Series ______, Class ____ (the "Class B Certificates"). The Class
B Certificates were issued pursuant to a Pooling and Servicing Agreement dated
___________________among Bank of America Mortgage Securities, Inc., as depositor
(the "Depositor"), the Servicer, and The Bank of New York, as Trustee.
The Purchaser has requested the Servicer to engage the Loss Mitigation
Advisor, at the Purchaser's expense, to assist the Servicer with respect to
default management and reporting situations for the benefit of the Purchaser.
In consideration of the mutual agreements herein contained, the receipt
and sufficiency of which are hereby acknowledged, the Servicer hereby engages
the Loss Mitigation Advisor to provide advice in connection with default
management and reporting situations with respect to defaulted loans, including
providing to the Servicer recommendations with respect to foreclosures, the
acceptance of so-called short payoffs, deeds in lieu of or in aid of foreclosure
and deficiency notes, as well as with respect to the sale of REO properties. The
Loss Mitigation Advisor hereby accepts such engagement, and acknowledges that
its fees will be paid by the Purchaser and not the Servicer, and that it will
not look to the Servicer for financial remuneration. It is the intent of the
parties to this Agreement that the services of the Loss Mitigation Advisor are
provided without fee to the Servicer for the benefit of the Purchaser for the
life of the Class B Certificates.
ARTICLE I
DEFINITIONS
Section 1.01. Defined Terms.
Whenever used in this Agreement, the following words and phrases, unless
the context otherwise requires, shall have the following meanings:
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 are required or
authorized by law or executive order to be closed.
Commencement of Foreclosure: The first official action required under
local law in order to commence foreclosure proceedings or to schedule a
trustee's sale under a deed of trust, including (i) in the case of a mortgage,
any filing or service of process necessary to commence an action to foreclose,
or (ii) in the case of a deed of trust, the posting, publishing, filing or
delivery of a notice of sale.
Delay of Foreclosure: The postponement for more than three Business Days
of the scheduled sale of Mortgaged Property to obtain satisfaction of a Mortgage
Loan.
Loss Mitigation Advisor: ______________.
Purchaser: _______________________, or the holder of record of the Class B
Certificates.
Short Payoff: Liquidation of a Mortgage Loan at less than the full amount
of the outstanding balance of the Mortgage Loan plus advances and costs through
a negotiated settlement with the borrower, which may include a deed-in-lieu of
foreclosure or sale of the property or of the promissory note secured by the
collateral property to a third party, in either case with or without a
contribution toward any resulting deficiency by the borrower.
Section 1.02. Definitions Incorporated by Reference.
All capitalized terms not otherwise defined in this Agreement shall have
the meanings assigned in the Pooling and Servicing Agreements.
ARTICLE II
SPECIAL SERVICING PROCEDURES
Section 2.01. Reports and Notices.
(a) In connection with the performance of its duties under the Pooling and
Servicing Agreement relating to the realization upon defaulted Mortgage Loans,
the Servicer shall use reasonable efforts to provide to the Loss Mitigation
Advisor with the following notices and reports. All such notices and reports may
be sent to the Loss Mitigation Advisor by telecopier, electronic mail, express
mail or regular mail.
(i) The Servicer shall within five Business Days after each
Distribution Date either: (A) provide to the Loss Mitigation Advisor a
written or electronic report, using the same methodology and calculations
as in its standard servicing reports, indicating for the trust fund formed
by the Pooling and Servicing Agreement, the number of Mortgage Loans that
are (1) sixty days delinquent, (2) ninety days or more delinquent, (3) in
foreclosure or (4) real estate owned (REO), and indicating for each such
Mortgage Loan the loan number, whether the loan is in bankruptcy or paying
under the terms of a repayment plan, the reason for default, and
outstanding principal balance; or (B) provide the information detailed in
(A) to a data service provider of the Loss Mitigation Advisor's choice in
an electronic format acceptable to that data service provider. Provision
of the information to a service provider other than that specified by the
Loss Mitigation Advisor is acceptable.
(ii) Prior to a Delay of Foreclosure in connection with any Mortgage
Loan, the Servicer shall provide the Loss Mitigation Advisor with a notice
of such proposed and imminent delay, stating the loan number, the
aggregate amount owing under the Mortgage Loan, and the reason and
justification for delaying foreclosure action. All notices and supporting
documentation pursuant to this subsection may be provided via telecopier,
express mail or electronic mail.
(iii) Prior to accepting any Short Payoff in connection with any
Mortgage Loan, the Servicer shall provide the Loss Mitigation Advisor with
a notice of such proposed and imminent Short Payoff, stating the loan
number, the aggregate amount owing under the Mortgage Loan, and the
justification for accepting the proposed Short Payoff. Such notice may be
sent by telecopier, express mail, electronic mail or regular mail.
(iv) Within five (5) business days of each Distribution Date, the
Servicer shall provide the Loss Mitigation Advisor with a report listing
each loan that has resulted in a realized loss that has been reported to
the trustee. Such report shall specify the loan number, the outstanding
principal balance of the loan upon its liquidation, the realized loss, and
the following components of realized loss: foreclosure costs, advances,
mortgage insurance proceeds, marketing and property rehabilitation costs,
and other costs. Such report may be provided by telecopier, express mail,
regular mail or electronic mail. The Loss Mitigation Advisor shall have at
least ten (10) business days in which to respond with reasonable questions
or requests for additional information regarding the amounts reported as
realized losses, and the Servicer shall within five (5) business days of
receipt of the Loss Mitigation Advisor's questions or additional
information requests provide responses to such questions and requests.
(v) Within five (5) business days of receipt by the Servicer of an
offer to acquire an REO property at an amount that is more than 15% below
the most recent market valuation of that property obtained by the Servicer
(or if no such valuation has been obtained, the appraisal used in
connection with the originating of the related Mortgage Loan), the
Servicer shall notify the Loss Mitigation Advisor of such offer and shall
provide a justification for accepting such offer, if that is the
Servicer's recommendation.
(vi) Within five (5) business days of receipt by the Servicer that a
claim filed for mortgage insurance, or any part thereof, has been rejected
by the mortgage insurance provider, the Servicer shall provide a copy of
the rejected claim with explanations for the item or items rejected to the
Loss Mitigation Advisor.
(vii) Within five (5) business days of providing the trustee with
any notice regarding a mortgage loan substitution, loan modification, or
loan repurchase, the Servicer shall provide the Loss Mitigation Advisor
with a copy of the notice.
(b) If requested by the Loss Mitigation Advisor, the Servicer shall make
its servicing personnel available during its normal business hours to respond to
reasonable inquiries, in writing by facsimile transmission, express mail or
electronic mail, by the Loss Mitigation Advisor in connection with any Mortgage
Loan identified in a report under subsection 2.01 (a)(i), (a)(ii), (a)(iii) or
(a)(iv) which has been given to the Loss Mitigation Advisor; provided that the
Servicer shall only be required to provide information that is readily
accessible to their servicing personnel.
(c) In addition to the foregoing, the Servicer shall provide to the Loss
Mitigation Advisor such information as the Loss Mitigation Advisor may
reasonably request concerning each Mortgage Loan that is at least sixty days
delinquent and each Mortgage Loan which has become real estate owned, provided
that the Servicer shall only be required to provide information that is readily
accessible to its servicing personnel.
(d) With respect to all Mortgage Loans which are serviced at any time by
the Servicer through a subservicer, the Servicer shall be entitled to rely for
all purposes hereunder, including for purposes of fulfilling its reporting
obligations under this Section 2.01, on the accuracy and completeness of any
information provided to it by the applicable subservicer.
Section 2.02. Loss Mitigation Advisor's Recommendations With Respect to
Defaulted Loans.
(a) All parties to this Agreement acknowledge that the Loss Mitigation
Advisor's advice is made in the form of recommendations, and that the Loss
Mitigation Advisor does not have the right to direct the Servicer in performing
its duties under the Pooling and Servicing Agreement. The Servicer may, after
review and analysis of the Loss Mitigation Advisor's recommendation, accept or
reject it, in the Servicer's sole discretion, subject to the standards of the
Servicer to protect the interest of the Certificateholders set forth in the
Pooling and Servicing Agreement.
(b) Within two (2) business days of receipt of a notice of a foreclosure
delay, the Loss Mitigation Advisor shall provide the Servicer with a
recommendation regarding the delay, provided, however, that if additional
information is required on which to base a recommendation, the Loss Mitigation
Advisor shall notify the Servicer of the additional information needed within
the allotted time, and the Servicer shall promptly provide such information and
the Loss Mitigation Advisor shall then submit to the Servicer its
recommendation. The Loss Mitigation Advisor may recommend that additional
procedures be undertaken to further analyze the property, the borrower, or
issues related to the default or foreclosure. Such additional procedures may
include asset searches, property valuations, legal analysis or other procedures
that are warranted by the circumstances of the property, borrower or
foreclosure. The Loss Mitigation Advisor may recommend such other actions as are
warranted by the circumstances of the property, borrower or foreclosure.
(c) Within two (2) business days of receipt of a notice of a proposed
Short Payoff, the Loss Mitigation Advisor shall provide the Servicer with a
recommendation regarding the proposed Short Payoff, provided, however, that if
additional information is required on which to base a recommendation, the Loss
Mitigation Advisor shall notify the Servicer of the additional information
needed within two business days, and the Servicer shall promptly provide such
information and the Loss Mitigation Advisor shall then submit to the Servicer
its recommendation. The Loss Mitigation Advisor's recommendation may take the
form of concurring with the proposed Short Payoff, recommending against such
Short Payoff, with a justification provided, or proposing a counteroffer.
(d) Within two (2) business days of receipt of a notice of an REO sale at
an amount that is more than 15% below the recent market valuation of that
property, the Loss Mitigation Advisor shall provide the Servicer with its
recommendation. The Loss Mitigation Advisor's recommendation may take the form
of concurring with the proposed below-market sale, recommending against such
below-market sale, or proposing a counteroffer.
Section 2.03. Termination.
(a) With respect to all Mortgage Loans included in a trust fund, the
Servicer's obligations under Section 2.01 and Section 2.02 shall terminate at
such time as the Certificate Principal Balances of the related Class B
Certificates have been reduced to zero.
(b) The Loss Mitigation Advisor's responsibilities under this Agreement
shall terminate upon the termination of the fee agreement between the Purchaser
or its successor and the Loss Mitigation Advisor. The Loss Mitigation Advisor
shall promptly notify the Servicer of the date of termination of such fee
agreement, but in no event later than 5:00 P.M., EST, on the effective date
thereof.
(c) Neither the Servicer nor any of its directors, officers, employees or
agents shall be under any liability 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
Servicer or any such Person against 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 Servicer and the Loss Mitigation Advisor and any director,
officer, employee or agent thereof 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. Neither the Loss Mitigation Advisor, its directors,
officers, employees or agents shall be under any liability for any actions taken
by the Servicer based upon the recommendation pursuant to this Agreement,
provided they are made in good faith.
ARTICLE III
MISCELLANEOUS PROVISIONS
Section 3.01. Amendment.
This Agreement may be amended from time to time by the Servicer and the
Loss Mitigation Advisor by written agreement signed by the Servicer and the Loss
Mitigation Advisor.
Section 3.02. Counterparts.
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.
Section 3.03. Governing Law.
This Agreement shall be 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.
Section 3.04. Notices.
All demands, notices and direction hereunder shall be in writing or by
telecopier and shall be deemed effective upon receipt to:
(a) in the case of the Servicer,
Bank of America, N.A.
000 Xxxxx Xxxxx Xxxxxx
Xxxxxxxxx, Xxxxx Xxxxxxxx 00000
Attn: Secondary Marketing with a copy to the General Counsel
or such other address as may hereafter be furnished in writing by the Servicer,
(b) in the case of the Loss Mitigation Advisor,
-----------------------
(c) in the case of the Purchaser:
-----------------------
Section 3.05. Severability of Provisions.
If any one or more of the covenants, agreements, provisions or terms of
this Agreement shall be for any reason whatsoever, including regulatory, 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 in no way affect the validity or enforceability of the other
provisions of this Agreement.
Section 3.06. Successors and Assigns.
(a) The provisions of this Agreement shall be binding upon and inure to
the benefit of the respective successors and assigns of the parties hereto, and
all such provisions shall inure to the benefit of the Certificateholders.
(b) The Servicer shall notify the Loss Mitigation Advisor of the
assignment of its duties to any successor servicer within thirty (30) days prior
to such assignment, and shall provide the name, address, telephone number and
telecopier number for the successor to the Loss Mitigation Advisor.
Section 3.07. Article and Section Headings.
The article and section headings herein are for convenience of reference
only and shall not limit or otherwise affect the meaning hereof.
Section 3.08. Confidentiality.
The Servicer acknowledges the confidentiality of this Agreement and will
not release or republish its contents without the consent of the Loss Mitigation
Advisor except to the extent required by law, regulation or court order.
The Loss Mitigation Advisor agrees that all information supplied by or on
behalf of the Servicer under this Agreement, is the property of the Servicer.
The Loss Mitigation Advisor shall keep in strictest confidence all information
relating to this Agreement, including, without limitation, individual account
information and other information supplied by or on behalf of the Servicer
pursuant to Section 2.01, and that information which may be acquired in
connection with or as a result of this Agreement. During the term of this
Agreement and at any time thereafter, without the prior written consent of the
Servicer, the Loss Mitigation Advisor shall not publish, communicate, divulge,
disclose or use any of such information. Upon termination or expiration of this
Agreement, the Loss Mitigation Advisor shall deliver all records, data,
information, and other documents and all copies thereof supplied by or on behalf
of the Servicer pursuant to Section 2.01 to the Servicer and such shall remain
the property of the Servicer.
Section 3.09. Independent Contractor.
In all matters relating to this Agreement, the Loss Mitigation Advisor
shall be acting as an independent contractor. Neither the Loss Mitigation
Advisor nor any employees of the Loss Mitigation Advisor are employees or agents
of the Servicer under the meaning or application of any Federal or State
Unemployment or Insurance Laws or Workmen's Compensation Laws, or otherwise. The
Loss Mitigation Advisor shall assume all liabilities or obligations imposed by
any one or more of such laws with respect to the employees of the Loss
Mitigation Advisor in the performance of this Agreement. The Loss Mitigation
Advisor shall not have any authority to assume or create any obligation, express
or implied, on behalf of the Servicer, and the Loss Mitigation Advisor shall not
have the authority to represent itself as an agent, employee, or in any other
capacity of the Servicer.
IN WITNESS WHEREOF, the Servicer and the Loss Mitigation Advisor have
caused their names to be signed hereto by their respective officers thereunto
duly authorized, all as of the day and year first above written.
Bank of America, N.A.
By:___________________________________
Name:_________________________________
Title:________________________________
Loss Mitigation Advisor
______________________________________
By:___________________________________
Name:
Title:
PURCHASER'S ACKNOWLEDGEMENT AND AGREEMENT
Purchaser executes this agreement for the purpose of acknowledging the limited
obligations of the Servicer in respect of the Loss Mitigation Advisor's
recommendation, as described in Section 2.02(a) hereof and confirming to the
Servicer that (i) it shall be solely responsible for the payment of the fees of
the Loss Mitigation Advisor pursuant to the terms of an agreement between
Purchaser and Loss Mitigation Advisor dated _____________, 20__ and (ii)
Purchaser upon transfer of its interest in any of the Class B Certificates or
any part thereof will require its successor to consent to this Special Servicing
Agreement and to pay any of the fees due to the Loss Mitigation Advisor pursuant
to the agreement referenced in clause (i) above.
Purchaser
By:______________________________________
Name:____________________________________
Title:___________________________________
EXHIBIT L
Principal Balance Schedules and TAC Group Balance Schedules
PRINCIPAL BALANCE SCHEDULES
------------------------------------------------------------------------
PAYMENT DATE CLASS A-1 CLASS A-2 CLASS A-3 CLASS A-4
------------ --------- --------- --------- ---------
December 25, 2000............................. $59,394,997.52 $21,960,000.00 $11,000,000.00 $113,007,000.00
January 25, 2001.............................. 59,094,920.99 21,960,000.00 11,000,000.00 113,007,000.00
February 25, 2001............................. 58,752,873.34 21,960,000.00 11,000,000.00 113,007,000.00
March 25, 2001................................ 58,368,951.39 21,960,000.00 11,000,000.00 113,007,000.00
April 25, 2001................................ 57,943,278.87 21,960,000.00 11,000,000.00 113,007,000.00
May 25, 2001.................................. 57,476,006.34 21,960,000.00 11,000,000.00 113,007,000.00
June 25, 2001................................. 56,967,311.18 21,960,000.00 11,000,000.00 113,007,000.00
July 25, 2001................................. 56,417,397.54 21,960,000.00 11,000,000.00 113,007,000.00
August 25, 2001............................... 55,826,496.19 21,960,000.00 11,000,000.00 113,007,000.00
September 25, 2001............................ 55,194,864.42 21,960,000.00 11,000,000.00 113,007,000.00
October 25, 2001.............................. 54,522,785.91 21,960,000.00 11,000,000.00 113,007,000.00
November 25, 2001............................. 53,810,570.47 21,960,000.00 11,000,000.00 113,007,000.00
December 25, 2001............................. 53,058,553.91 21,960,000.00 11,000,000.00 113,007,000.00
January 25, 2002.............................. 52,267,097.72 21,960,000.00 11,000,000.00 113,007,000.00
February 25, 2002............................. 51,436,588.87 21,960,000.00 11,000,000.00 113,007,000.00
March 25, 2002................................ 50,567,439.46 21,960,000.00 11,000,000.00 113,007,000.00
April 25, 2002................................ 49,660,086.41 21,960,000.00 11,000,000.00 113,007,000.00
May 25, 2002.................................. 48,714,991.11 21,960,000.00 11,000,000.00 113,007,000.00
June 25, 2002................................. 47,732,639.02 21,960,000.00 11,000,000.00 113,007,000.00
July 25, 2002................................. 46,713,539.29 21,960,000.00 11,000,000.00 113,007,000.00
August 25, 2002............................... 45,658,224.32 21,960,000.00 11,000,000.00 113,007,000.00
September 25, 2002............................ 44,567,249.25 21,960,000.00 11,000,000.00 113,007,000.00
October 25, 2002.............................. 43,441,191.58 21,960,000.00 11,000,000.00 111,100,446.38
November 25, 2002............................. 42,280,650.53 21,960,000.00 11,000,000.00 109,135,682.32
December 25, 2002............................. 41,086,246.61 21,960,000.00 11,000,000.00 107,113,548.78
January 25, 2003.............................. 39,858,621.01 21,960,000.00 11,000,000.00 105,034,915.08
February 25, 2003............................. 38,598,435.05 21,960,000.00 11,000,000.00 102,900,678.26
March 25, 2003................................ 37,306,369.54 21,960,000.00 11,000,000.00 100,711,762.44
April 25, 2003................................ 36,014,859.75 21,960,000.00 11,000,000.00 98,520,929.78
May 25, 2003.................................. 34,731,432.78 21,960,000.00 11,000,000.00 96,340,458.87
June 25, 2003................................. 33,456,034.98 21,960,000.00 11,000,000.00 94,170,293.28
July 25, 2003................................. 32,188,613.07 21,960,000.00 11,000,000.00 92,010,376.84
August 25, 2003............................... 30,929,114.09 21,960,000.00 11,000,000.00 89,860,653.65
September 25, 2003............................ 29,677,485.43 21,960,000.00 11,000,000.00 87,721,068.10
October 25, 2003.............................. 28,433,674.79 21,960,000.00 11,000,000.00 85,591,564.84
November 25, 2003............................. 27,197,630.23 21,960,000.00 11,000,000.00 83,472,088.78
December 25, 2003............................. 25,969,300.12 21,960,000.00 11,000,000.00 81,362,585.13
January 25, 2004.............................. 24,748,633.16 21,960,000.00 11,000,000.00 79,262,999.34
February 25, 2004............................. 23,535,578.38 21,960,000.00 11,000,000.00 77,173,277.14
March 25, 2004................................ 22,330,085.13 21,960,000.00 11,000,000.00 75,093,364.51
April 25, 2004................................ 21,132,103.08 21,960,000.00 11,000,000.00 73,023,207.70
May 25, 2004.................................. 19,941,582.23 21,960,000.00 11,000,000.00 70,962,753.24
June 25, 2004................................. 18,758,472.87 21,960,000.00 11,000,000.00 68,911,947.89
July 25, 2004................................. 17,582,725.62 21,960,000.00 11,000,000.00 66,870,738.68
August 25, 2004............................... 16,414,291.43 21,960,000.00 11,000,000.00 64,839,072.91
September 25, 2004............................ 15,253,121.53 21,960,000.00 11,000,000.00 62,816,898.13
October 25, 2004.............................. 14,099,167.48 21,960,000.00 11,000,000.00 60,804,162.12
November 25, 2004............................. 12,952,381.13 21,960,000.00 11,000,000.00 58,800,812.96
December 25, 2004............................. 11,812,714.64 21,960,000.00 11,000,000.00 56,806,798.94
January 25, 2005.............................. 10,680,120.47 21,960,000.00 11,000,000.00 54,822,068.61
February 25, 2005............................. 9,554,551.40 21,960,000.00 11,000,000.00 52,846,570.80
March 25, 2005................................ 8,435,960.48 21,960,000.00 11,000,000.00 50,880,254.54
April 25, 2005................................ 7,324,301.07 21,960,000.00 11,000,000.00 48,923,069.13
May 25, 2005.................................. 6,219,526.82 21,960,000.00 11,000,000.00 46,974,964.13
June 25, 2005................................. 5,121,591.68 21,960,000.00 11,000,000.00 45,035,889.32
July 25, 2005................................. 4,030,449.88 21,960,000.00 11,000,000.00 43,105,794.73
August 25, 2005............................... 2,946,055.95 21,960,000.00 11,000,000.00 41,184,630.63
September 25, 2005............................ 1,868,364.68 21,960,000.00 11,000,000.00 39,272,347.53
October 25, 2005.............................. 797,331.19 21,960,000.00 11,000,000.00 37,368,896.19
November 25, 2005............................. 0.00 21,692,910.84 11,000,000.00 35,474,227.59
December 25, 2005............................. 0.00 20,649,677.76 11,000,000.00 33,611,863.73
January 25, 2006.............................. 0.00 19,612,911.05 11,000,000.00 31,758,100.62
February 25, 2006............................. 0.00 18,582,566.78 11,000,000.00 29,912,889.61
March 25, 2006................................ 0.00 17,558,601.26 11,000,000.00 28,076,182.29
April 25, 2006................................ 0.00 16,540,971.08 11,000,000.00 26,247,930.47
May 25, 2006.................................. 0.00 15,529,633.10 11,000,000.00 24,428,086.19
June 25, 2006................................. 0.00 14,524,544.44 11,000,000.00 22,616,601.72
July 25, 2006................................. 0.00 13,525,662.51 11,000,000.00 20,861,848.13
August 25, 2006............................... 0.00 12,532,944.96 11,000,000.00 19,177,893.86
September 25, 2006............................ 0.00 11,546,349.72 11,000,000.00 17,561,897.19
October 25, 2006.............................. 0.00 10,565,834.95 11,000,000.00 16,011,127.67
November 25, 2006............................. 0.00 9,591,359.12 11,000,000.00 14,522,961.82
December 25, 2006............................. 0.00 8,650,987.43 11,000,000.00 13,145,284.47
January 25, 2007.............................. 0.00 7,739,290.97 11,000,000.00 11,823,800.63
February 25, 2007............................. 0.00 6,855,386.99 11,000,000.00 10,556,214.19
March 25, 2007................................ 0.00 5,998,419.14 11,000,000.00 9,340,319.70
April 25, 2007................................ 0.00 5,167,556.76 11,000,000.00 8,173,998.85
May 25, 2007.................................. 0.00 4,361,994.04 11,000,000.00 7,055,217.02
June 25, 2007................................. 0.00 3,580,949.37 11,000,000.00 5,982,020.03
July 25, 2007................................. 0.00 2,823,664.52 11,000,000.00 4,952,531.00
August 25, 2007............................... 0.00 2,089,404.02 11,000,000.00 3,964,947.30
September 25, 2007............................ 0.00 1,377,454.44 11,000,000.00 3,017,537.67
October 25, 2007.............................. 0.00 687,123.76 11,000,000.00 2,108,639.40
November 25, 2007............................. 0.00 17,740.72 11,000,000.00 1,236,655.69
December 25, 2007............................. 0.00 0.00 10,402,152.75 482,592.53
January 25, 2008.............................. 0.00 0.00 9,805,166.63 0.00
February 25, 2008............................. 0.00 0.00 9,226,194.33 0.00
March 25, 2008................................ 0.00 0.00 8,664,665.75 0.00
April 25, 2008................................ 0.00 0.00 8,120,028.13 0.00
May 25, 2008.................................. 0.00 0.00 7,591,745.53 0.00
June 25, 2008................................. 0.00 0.00 7,079,298.34 0.00
July 25, 2008................................. 0.00 0.00 6,582,182.81 0.00
August 25, 2008............................... 0.00 0.00 6,099,910.51 0.00
September 25, 2008............................ 0.00 0.00 5,632,007.93 0.00
October 25, 2008.............................. 0.00 0.00 5,178,015.98 0.00
November 25, 2008............................. 0.00 0.00 4,737,489.61 0.00
December 25, 2008............................. 0.00 0.00 4,336,656.91 0.00
January 25, 2009.............................. 0.00 0.00 3,947,275.31 0.00
February 25, 2009............................. 0.00 0.00 3,568,976.81 0.00
March 25, 2009................................ 0.00 0.00 3,201,404.72 0.00
April 25, 2009................................ 0.00 0.00 2,844,213.33 0.00
May 25, 2009.................................. 0.00 0.00 2,497,067.60 0.00
June 25, 2009................................. 0.00 0.00 2,159,642.78 0.00
July 25, 2009................................. 0.00 0.00 1,831,624.13 0.00
August 25, 2009............................... 0.00 0.00 1,512,706.62 0.00
September 25, 2009............................ 0.00 0.00 1,202,594.60 0.00
October 25, 2009.............................. 0.00 0.00 901,001.55 0.00
November 25, 2009............................. 0.00 0.00 607,649.78 0.00
December 25, 2009............................. 0.00 0.00 341,985.79 0.00
January 25, 2010.............................. 0.00 0.00 82,935.63 0.00
February 25, 2010............................. 0.00 0.00 0.00 0.00
and thereafter
PRINCIPAL BALANCE SCHEDULES
-------------------------------------------------------------------------
PAYMENT DATE CLASS A-1 CLASS A-2 CLASS A-3 CLASS A-4
------------ --------- --------- --------- ---------
December 25, 2000............................. $187,501,197.55 $3,833,376.33 $6,995,540.86 $171,538,704.91
January 25, 2001.............................. 186,891,975.42 3,856,137.00 7,037,076.88 171,164,809.15
February 25, 2001............................. 186,197,542.56 3,879,032.81 7,078,859.53 170,709,434.57
March 25, 2001................................ 185,418,095.58 3,902,064.57 7,120,890.26 170,172,857.66
April 25, 2001................................ 184,553,885.62 3,925,233.08 7,163,170.54 169,555,510.33
May 25, 2001.................................. 183,605,218.40 3,948,539.15 7,205,701.87 168,857,980.26
June 25, 2001................................. 182,572,454.03 3,971,983.60 7,248,485.72 168,081,010.86
July 25, 2001................................. 181,456,006.95 3,995,567.25 7,291,523.61 167,225,500.91
August 25, 2001............................... 180,256,345.71 4,019,290.94 7,334,817.03 166,292,503.78
September 25, 2001............................ 178,973,992.67 4,043,155.47 7,378,367.50 165,283,226.22
October 25, 2001.............................. 177,609,523.72 4,067,161.71 7,422,176.56 164,199,026.83
November 25, 2001............................. 176,163,567.88 4,091,310.48 7,466,245.73 163,041,414.10
December 25, 2001............................. 174,636,806.91 4,115,602.64 7,510,576.57 161,812,044.07
January 25, 2002.............................. 173,029,974.72 4,140,039.03 7,555,170.62 160,512,717.62
February 25, 2002............................. 171,343,856.94 4,164,620.51 7,600,029.44 159,145,377.33
March 25, 2002................................ 169,579,290.22 4,189,347.95 7,645,154.62 157,712,104.03
April 25, 2002................................ 167,737,161.60 4,214,222.20 7,690,547.72 156,215,112.93
May 25, 2002.................................. 165,818,407.81 4,239,244.14 7,736,210.35 154,656,749.39
June 25, 2002................................. 163,824,014.46 4,264,414.66 7,782,144.10 153,039,484.39
July 25, 2002................................. 161,755,015.22 4,289,734.62 7,828,350.58 151,365,909.54
August 25, 2002............................... 159,612,490.98 4,315,204.92 7,874,831.41 149,638,731.93
September 25, 2002............................ 157,397,568.82 4,340,826.45 7,921,588.22 147,860,768.46
October 25, 2002.............................. 155,111,421.14 4,366,600.10 7,968,622.65 146,034,940.03
November 25, 2002............................. 152,755,264.54 4,392,526.79 8,015,936.35 144,164,265.36
December 25, 2002............................. 150,330,358.79 4,418,607.42 8,063,530.97 142,251,854.53
January 25, 2003.............................. 147,838,005.64 4,444,842.90 8,111,408.19 140,300,902.27
February 25, 2003............................. 145,279,547.70 4,471,234.16 8,159,569.67 138,314,681.05
March 25, 2003................................ 142,656,367.18 4,497,782.11 8,208,017.12 136,296,533.89
April 25, 2003................................ 140,034,314.89 4,524,487.69 8,256,752.22 134,308,801.51
May 25, 2003.................................. 137,428,672.51 4,551,351.84 8,305,776.68 132,365,335.39
June 25, 2003................................. 134,839,331.16 4,578,375.49 8,355,092.23 130,465,407.82
July 25, 2003................................. 132,266,182.64 4,605,559.59 8,404,700.59 128,608,301.61
August 25, 2003............................... 129,709,119.42 4,632,905.10 8,454,603.50 126,793,309.96
September 25, 2003............................ 127,168,034.70 4,660,412.98 8,504,802.71 125,019,736.28
October 25, 2003.............................. 124,642,822.31 4,688,084.18 8,555,299.98 123,286,894.07
November 25, 2003............................. 122,133,376.78 4,715,919.68 8,606,097.07 121,594,106.76
December 25, 2003............................. 119,639,593.30 4,743,920.45 8,657,195.77 119,940,707.62
January 25, 2004.............................. 117,161,367.73 4,772,087.48 8,708,597.87 118,326,039.54
February 25, 2004............................. 114,698,596.57 4,800,421.75 8,760,305.17 116,749,454.98
March 25, 2004................................ 112,251,177.01 4,828,924.25 8,812,319.48 115,210,315.76
April 25, 2004................................ 109,819,006.86 4,857,595.99 8,864,642.63 113,707,993.00
May 25, 2004.................................. 107,401,984.58 4,886,437.97 8,917,276.45 112,241,866.94
June 25, 2004................................. 105,000,009.30 4,915,451.19 8,970,222.78 110,811,326.82
July 25, 2004................................. 102,612,980.74 4,944,636.68 9,023,483.47 109,415,770.77
August 25, 2004............................... 100,240,799.31 4,973,995.46 9,077,060.41 108,054,605.69
September 25, 2004............................ 97,883,366.01 5,003,528.56 9,130,955.45 106,727,247.07
October 25, 2004.............................. 95,540,582.48 5,033,237.01 9,185,170.50 105,433,118.97
November 25, 2004............................. 93,212,350.98 5,063,121.86 9,239,707.45 104,171,653.80
December 25, 2004............................. 90,898,574.39 5,093,184.14 9,294,568.21 102,942,292.25
January 25, 2005.............................. 88,599,156.19 5,123,424.92 9,349,754.71 101,744,483.19
February 25, 2005............................. 86,314,000.49 5,153,845.26 9,405,268.88 100,577,683.51
March 25, 2005................................ 84,043,012.00 5,184,446.21 9,461,112.67 99,441,358.03
April 25, 2005................................ 81,786,096.00 5,215,228.86 9,517,288.02 98,334,979.42
May 25, 2005.................................. 79,543,158.42 5,246,194.29 9,573,796.92 97,258,028.01
June 25, 2005................................. 77,314,105.75 5,277,343.56 9,630,641.34 96,209,991.77
July 25, 2005................................. 75,098,845.08 5,308,677.79 9,687,823.27 95,190,366.14
August 25, 2005............................... 72,897,284.07 5,340,198.07 9,745,344.72 94,198,653.96
September 25, 2005............................ 70,709,330.98 5,371,905.49 9,803,207.71 93,234,365.33
October 25, 2005.............................. 68,534,894.64 5,403,801.18 9,861,414.25 92,297,017.57
November 25, 2005............................. 66,373,884.45 5,435,886.25 9,919,966.40 91,386,135.03
December 25, 2005............................. 64,255,889.13 5,468,161.82 9,978,866.20 90,532,037.82
January 25, 2006.............................. 62,151,022.00 5,500,629.04 10,038,115.72 89,703,228.38
February 25, 2006............................. 60,059,193.84 5,533,289.02 10,097,717.03 88,899,252.50
March 25, 2006................................ 57,980,315.96 5,566,142.92 10,157,672.22 88,119,662.65
April 25, 2006................................ 55,914,300.22 5,599,191.90 10,217,983.40 87,364,017.88
May 25, 2006.................................. 53,861,059.06 5,632,437.10 10,278,652.68 86,631,883.74
June 25, 2006................................. 51,820,505.42 5,665,879.70 10,339,682.18 85,922,832.18
July 25, 2006................................. 49,792,552.82 5,699,520.86 10,401,074.04 85,236,441.46
August 25, 2006............................... 47,777,115.27 5,733,361.76 10,462,830.42 84,572,296.04
September 25, 2006............................ 45,774,107.37 5,767,403.60 10,524,953.48 83,929,986.55
October 25, 2006.............................. 43,783,444.19 5,801,647.56 10,587,445.39 83,309,109.64
November 25, 2006............................. 41,805,041.38 5,836,094.84 10,650,308.34 82,709,267.93
December 25, 2006............................. 39,895,877.58 5,870,746.65 10,713,544.55 82,093,730.78
January 25, 2007.............................. 38,044,930.90 5,905,604.21 10,777,156.22 81,453,817.90
February 25, 2007............................. 36,250,409.10 5,940,668.73 10,841,145.59 80,790,796.80
March 25, 2007................................ 34,510,573.67 5,975,941.45 10,905,514.89 80,105,889.41
April 25, 2007................................ 32,823,738.13 6,011,423.61 10,970,266.38 79,400,273.54
May 25, 2007.................................. 31,188,266.55 6,047,116.43 11,035,402.34 78,675,084.30
June 25, 2007................................. 29,602,572.05 6,083,021.19 11,100,925.04 77,931,415.42
July 25, 2007................................. 28,065,115.28 6,119,139.13 11,166,836.78 77,170,320.64
August 25, 2007............................... 26,574,403.05 6,155,471.52 11,233,139.88 76,392,814.94
September 25, 2007............................ 25,128,986.97 6,192,019.63 11,299,836.64 75,599,875.80
October 25, 2007.............................. 23,727,462.07 6,228,784.74 11,366,929.42 74,792,444.44
November 25, 2007............................. 22,368,465.55 6,265,768.15 11,434,420.57 73,971,426.94
December 25, 2007............................. 21,118,684.97 6,302,971.15 11,502,312.44 73,106,601.32
January 25, 2008.............................. 19,906,670.29 6,340,395.04 11,570,607.42 72,231,431.66
February 25, 2008............................. 18,731,227.69 6,378,041.14 11,639,307.90 71,346,682.82
March 25, 2008................................ 17,591,199.71 6,415,910.76 11,708,416.29 70,453,089.83
April 25, 2008................................ 16,485,464.12 6,454,005.23 11,777,935.01 69,551,358.81
May 25, 2008.................................. 15,412,932.88 6,492,325.88 11,847,866.50 68,642,168.00
June 25, 2008................................. 14,372,551.06 6,530,874.07 11,918,213.21 67,726,168.61
July 25, 2008................................. 13,363,295.90 6,569,651.13 11,988,977.60 66,803,985.77
August 25, 2008............................... 12,384,175.81 6,608,658.44 12,060,162.16 65,876,219.35
September 25, 2008............................ 11,434,229.44 6,647,897.35 12,131,769.37 64,943,444.83
October 25, 2008.............................. 10,512,524.75 6,687,369.24 12,203,801.75 64,006,214.12
November 25, 2008............................. 9,618,158.19 6,727,075.49 12,276,261.82 63,065,056.30
December 25, 2008............................. 8,804,378.59 6,767,017.50 12,349,152.13 62,099,083.71
January 25, 2009.............................. 8,013,847.30 6,807,196.67 12,422,475.22 61,131,791.72
February 25, 2009............................. 7,245,817.15 6,847,614.40 12,496,233.66 60,163,581.89
March 25, 2009................................ 6,499,564.01 6,888,272.11 12,570,430.05 59,194,837.87
April 25, 2009................................ 5,774,386.01 6,929,171.23 12,645,066.98 58,225,925.99
May 25, 2009.................................. 5,069,602.92 6,970,313.18 12,720,147.07 57,257,195.87
June 25, 2009................................. 4,384,555.45 7,011,699.41 12,795,672.94 56,288,981.00
July 25, 2009................................. 3,718,604.59 7,053,331.38 12,871,647.25 55,321,599.30
August 25, 2009............................... 3,071,131.07 7,095,210.53 12,948,072.65 54,355,353.67
September 25, 2009............................ 2,441,534.66 7,137,338.35 13,024,951.83 53,390,532.50
October 25, 2009.............................. 1,829,233.66 7,179,716.29 13,102,287.49 52,427,410.20
November 25, 2009............................. 1,233,664.29 7,222,345.86 13,180,082.32 51,466,247.65
December 25, 2009............................. 694,307.26 7,265,228.54 13,258,339.06 50,495,271.15
January 25, 2010.............................. 168,377.78 7,308,365.83 13,337,060.44 49,528,161.61
February 25, 2010............................. 0.00 7,169,716.33 13,084,038.53 48,565,067.50
March 25, 2010................................ 0.00 6,949,016.88 12,681,283.39 47,606,128.61
April 25, 2010................................ 0.00 6,735,022.97 12,290,765.21 46,651,476.35
May 25, 2010.................................. 0.00 6,527,532.75 11,912,115.63 45,701,234.05
June 25, 2010................................. 0.00 6,326,350.41 11,544,977.33 44,755,517.26
July 25, 2010................................. 0.00 6,131,286.00 11,189,003.66 43,814,434.04
August 25, 2010............................... 0.00 5,942,155.24 10,843,858.33 42,878,085.21
September 25, 2010............................ 0.00 5,758,779.38 10,509,215.11 41,946,564.63
October 25, 2010.............................. 0.00 5,580,984.99 10,184,757.57 41,019,959.47
November 25, 2010............................. 0.00 5,408,603.86 9,870,178.68 40,098,350.44
December 25, 2010............................. 0.00 5,241,472.79 9,565,180.64 39,181,812.02
January 25, 2011.............................. 0.00 5,079,433.47 9,269,474.57 38,270,412.73
February 25, 2011............................. 0.00 4,922,332.34 8,982,780.22 37,364,215.31
March 25, 2011................................ 0.00 4,770,020.43 8,704,825.72 36,463,276.97
April 25, 2011................................ 0.00 4,622,353.23 8,435,347.36 35,567,649.59
May 25, 2011.................................. 0.00 4,479,190.56 8,174,089.34 34,677,379.93
June 25, 2011................................. 0.00 4,340,396.43 7,920,803.49 33,792,509.79
July 25, 2011................................. 0.00 4,205,838.95 7,675,249.09 32,913,076.26
August 25, 2011............................... 0.00 4,075,390.14 7,437,192.65 32,039,111.87
September 25, 2011............................ 0.00 3,948,925.90 7,206,407.65 31,170,644.77
October 25, 2011.............................. 0.00 3,826,325.83 6,982,674.37 30,307,698.89
November 25, 2011............................. 0.00 3,707,473.12 6,765,779.70 29,450,294.13
December 25, 2011............................. 0.00 3,592,254.51 6,555,516.87 28,598,446.53
January 25, 2012.............................. 0.00 3,480,560.09 6,351,685.37 27,752,168.39
February 25, 2012............................. 0.00 3,372,283.28 6,154,090.66 26,911,468.43
March 25, 2012................................ 0.00 3,267,320.67 5,962,544.07 26,076,351.95
April 25, 2012................................ 0.00 3,165,571.98 5,776,862.55 25,246,820.98
May 25, 2012.................................. 0.00 3,066,939.93 5,596,868.59 24,422,874.38
June 25, 2012................................. 0.00 2,971,330.14 5,422,389.98 23,604,508.00
July 25, 2012................................. 0.00 2,878,651.09 5,253,259.69 22,791,714.79
August 25, 2012............................... 0.00 2,788,814.01 5,089,315.70 21,984,484.94
September 25, 2012............................ 0.00 2,701,732.77 4,930,400.88 21,182,805.98
October 25, 2012.............................. 0.00 2,617,323.86 4,776,362.77 20,386,662.91
November 25, 2012............................. 0.00 2,535,506.24 4,627,053.55 19,596,038.30
December 25, 2012............................. 0.00 2,456,201.35 4,482,329.79 18,810,912.39
January 25, 2013.............................. 0.00 2,379,332.96 4,342,052.42 18,031,263.21
February 25, 2013............................. 0.00 2,304,827.15 4,206,086.51 17,257,066.70
March 25, 2013................................ 0.00 2,232,612.20 4,074,301.23 16,488,296.72
April 25, 2013................................ 0.00 2,162,618.57 3,946,569.63 15,724,925.25
May 25, 2013.................................. 0.00 2,094,778.81 3,822,768.62 14,966,922.41
June 25, 2013................................. 0.00 2,029,027.48 3,702,778.82 14,214,256.58
July 25, 2013................................. 0.00 1,965,301.14 3,586,484.40 13,466,894.45
August 25, 2013............................... 0.00 1,903,538.22 3,473,773.06 12,724,801.13
September 25, 2013............................ 0.00 1,843,679.05 3,364,535.86 11,987,940.22
October 25, 2013.............................. 0.00 1,785,665.72 3,258,667.14 11,256,273.88
November 25, 2013............................. 0.00 1,729,442.07 3,156,064.44 10,529,762.91
December 25, 2013............................. 0.00 1,674,953.67 3,056,628.36 9,808,366.81
January 25, 2014.............................. 0.00 1,622,147.66 2,960,262.52 9,092,043.86
February 25, 2014............................. 0.00 1,570,972.85 2,866,873.43 8,380,751.15
March 25, 2014................................ 0.00 1,521,379.53 2,776,370.42 7,674,444.70
April 25, 2014................................ 0.00 1,473,319.53 2,688,665.57 6,973,079.48
May 25, 2014.................................. 0.00 1,426,746.11 2,603,673.59 6,276,609.46
June 25, 2014................................. 0.00 1,381,613.95 2,521,311.77 5,584,987.70
July 25, 2014................................. 0.00 1,337,879.10 2,441,499.91 4,898,166.38
August 25, 2014............................... 0.00 1,295,498.94 2,364,160.20 4,216,096.86
September 25, 2014............................ 0.00 1,254,432.11 2,289,217.22 3,538,729.73
October 25, 2014.............................. 0.00 1,214,638.53 2,216,597.79 2,866,014.84
November 25, 2014............................. 0.00 1,176,079.32 2,146,230.96 2,197,901.38
December 25, 2014............................. 0.00 1,138,716.77 2,078,047.92 1,534,337.90
January 25, 2015.............................. 0.00 1,102,514.31 2,011,981.94 875,272.35
February 25, 2015............................. 0.00 1,067,436.49 1,947,968.30 220,652.15
March 25, 2015................................ 0.00 1,033,448.90 1,885,944.25 0.00
April 25, 2015................................ 0.00 1,000,518.21 1,825,848.92 0.00
May 25, 2015.................................. 0.00 968,612.07 1,767,623.29 0.00
June 25, 2015................................. 0.00 937,699.11 1,711,210.15 0.00
July 25, 2015................................. 0.00 907,748.93 1,656,553.97 0.00
August 25, 2015............................... 0.00 878,732.04 1,603,600.93 0.00
September 25, 2015............................ 0.00 850,619.82 1,552,298.85 0.00
October 25, 2015.............................. 0.00 823,384.55 1,502,597.13 0.00
November 25, 2015............................. 0.00 796,999.34 1,454,446.66 0.00
December 25, 2015............................. 0.00 771,438.10 1,407,799.88 0.00
January 25, 2016.............................. 0.00 746,675.55 1,362,610.62 0.00
February 25, 2016............................. 0.00 722,687.17 1,318,834.14 0.00
March 25, 2016................................ 0.00 699,449.17 1,276,427.06 0.00
April 25, 2016................................ 0.00 676,938.51 1,235,347.28 0.00
May 25, 2016.................................. 0.00 655,132.83 1,195,554.01 0.00
June 25, 2016................................. 0.00 634,010.44 1,157,007.71 0.00
July 25, 2016................................. 0.00 613,550.33 1,119,669.99 0.00
August 25, 2016............................... 0.00 593,732.12 1,083,503.67 0.00
September 25, 2016............................ 0.00 574,536.04 1,048,472.68 0.00
October 25, 2016.............................. 0.00 555,942.94 1,014,542.06 0.00
November 25, 2016............................. 0.00 537,934.22 981,677.90 0.00
December 25, 2016............................. 0.00 520,491.89 949,847.32 0.00
January 25, 2017.............................. 0.00 503,598.46 919,018.46 0.00
February 25, 2017............................. 0.00 487,237.01 889,160.39 0.00
March 25, 2017................................ 0.00 471,391.12 860,243.17 0.00
April 25, 2017................................ 0.00 456,044.86 832,237.73 0.00
May 25, 2017.................................. 0.00 441,182.80 805,115.91 0.00
June 25, 2017................................. 0.00 426,789.97 778,850.41 0.00
July 25, 2017................................. 0.00 412,851.88 753,414.73 0.00
August 25, 2017............................... 0.00 399,354.44 728,783.21 0.00
September 25, 2017............................ 0.00 386,284.02 704,930.97 0.00
October 25, 2017.............................. 0.00 373,627.41 681,833.86 0.00
November 25, 2017............................. 0.00 361,371.77 659,468.51 0.00
December 25, 2017............................. 0.00 349,504.68 637,812.23 0.00
January 25, 2018.............................. 0.00 338,014.11 616,843.03 0.00
February 25, 2018............................. 0.00 326,888.35 596,539.60 0.00
March 25, 2018................................ 0.00 316,116.10 576,881.28 0.00
April 25, 2018................................ 0.00 305,686.36 557,848.04 0.00
May 25, 2018.................................. 0.00 295,588.52 539,420.44 0.00
June 25, 2018................................. 0.00 285,812.24 521,579.67 0.00
July 25, 2018................................. 0.00 276,347.52 504,307.48 0.00
August 25, 2018............................... 0.00 267,184.67 487,586.18 0.00
September 25, 2018............................ 0.00 258,314.30 471,398.60 0.00
October 25, 2018.............................. 0.00 249,727.29 455,728.14 0.00
November 25, 2018............................. 0.00 241,414.81 440,558.67 0.00
December 25, 2018............................. 0.00 233,368.31 425,874.57 0.00
January 25, 2019.............................. 0.00 225,579.47 411,660.71 0.00
February 25, 2019............................. 0.00 218,040.27 397,902.39 0.00
March 25, 2019................................ 0.00 210,742.90 384,585.40 0.00
April 25, 2019................................ 0.00 203,679.81 371,695.94 0.00
May 25, 2019.................................. 0.00 196,843.67 359,220.64 0.00
June 25, 2019................................. 0.00 190,227.38 347,146.55 0.00
July 25, 2019................................. 0.00 183,824.06 335,461.11 0.00
August 25, 2019............................... 0.00 177,627.03 324,152.15 0.00
September 25, 2019............................ 0.00 171,629.84 313,207.86 0.00
October 25, 2019.............................. 0.00 165,826.22 302,616.81 0.00
November 25, 2019............................. 0.00 160,210.09 292,367.91 0.00
December 25, 2019............................. 0.00 154,775.57 282,450.43 0.00
January 25, 2020.............................. 0.00 149,516.94 272,853.96 0.00
February 25, 2020............................. 0.00 144,428.70 263,568.39 0.00
March 25, 2020................................ 0.00 139,505.46 254,583.96 0.00
April 25, 2020................................ 0.00 134,742.04 245,891.18 0.00
May 25, 2020.................................. 0.00 130,133.41 237,480.87 0.00
June 25, 2020................................. 0.00 125,674.68 229,344.14 0.00
July 25, 2020................................. 0.00 121,361.14 221,472.33 0.00
August 25, 2020............................... 0.00 117,188.19 213,857.11 0.00
September 25, 2020............................ 0.00 113,151.41 206,490.36 0.00
October 25, 2020.............................. 0.00 109,246.47 199,364.25 0.00
November 25, 2020............................. 0.00 105,469.23 192,471.15 0.00
December 25, 2020............................. 0.00 101,815.64 185,803.68 0.00
January 25, 2021.............................. 0.00 98,281.77 179,354.73 0.00
February 25, 2021............................. 0.00 94,863.85 173,117.34 0.00
March 25, 2021................................ 0.00 91,558.18 167,084.83 0.00
April 25, 2021................................ 0.00 88,361.22 161,250.68 0.00
May 25, 2021.................................. 0.00 85,269.50 155,608.60 0.00
June 25, 2021................................. 0.00 82,279.69 150,152.48 0.00
July 25, 2021................................. 0.00 79,388.54 144,876.41 0.00
August 25, 2021............................... 0.00 76,592.91 139,774.66 0.00
September 25, 2021............................ 0.00 73,889.76 134,841.67 0.00
October 25, 2021.............................. 0.00 71,276.15 130,072.07 0.00
November 25, 2021............................. 0.00 68,749.21 125,460.65 0.00
December 25, 2021............................. 0.00 66,306.18 121,002.35 0.00
January 25, 2022.............................. 0.00 63,944.37 116,692.29 0.00
February 25, 2022............................. 0.00 61,661.20 112,525.72 0.00
March 25, 2022................................ 0.00 59,454.14 108,498.06 0.00
April 25, 2022................................ 0.00 57,320.76 104,604.84 0.00
May 25, 2022.................................. 0.00 55,258.69 100,841.77 0.00
June 25, 2022................................. 0.00 53,265.65 97,204.66 0.00
July 25, 2022................................. 0.00 51,339.42 93,689.48 0.00
August 25, 2022............................... 0.00 49,477.85 90,292.30 0.00
September 25, 2022............................ 0.00 47,678.87 87,009.32 0.00
October 25, 2022.............................. 0.00 45,940.46 83,836.88 0.00
November 25, 2022............................. 0.00 44,260.65 80,771.41 0.00
December 25, 2022............................. 0.00 42,637.58 77,809.46 0.00
January 25, 2023.............................. 0.00 41,069.40 74,947.68 0.00
February 25, 2023............................. 0.00 39,554.34 72,182.85 0.00
March 25, 2023................................ 0.00 38,090.69 69,511.82 0.00
April 25, 2023................................ 0.00 36,676.77 66,931.56 0.00
May 25, 2023.................................. 0.00 35,310.98 64,439.13 0.00
June 25, 2023................................. 0.00 33,991.76 62,031.67 0.00
July 25, 2023................................. 0.00 32,717.59 59,706.43 0.00
August 25, 2023............................... 0.00 31,487.01 57,460.74 0.00
September 25, 2023............................ 0.00 30,298.60 55,292.00 0.00
October 25, 2023.............................. 0.00 29,150.98 53,197.73 0.00
November 25, 2023............................. 0.00 28,042.84 51,175.47 0.00
December 25, 2023............................. 0.00 26,972.88 49,222.89 0.00
January 25, 2024.............................. 0.00 25,939.84 47,337.71 0.00
February 25, 2024............................. 0.00 24,942.54 45,517.71 0.00
March 25, 2024................................ 0.00 23,979.78 43,760.79 0.00
April 25, 2024................................ 0.00 23,050.45 42,064.85 0.00
May 25, 2024.................................. 0.00 22,153.45 40,427.89 0.00
June 25, 2024................................. 0.00 21,287.70 38,848.00 0.00
July 25, 2024................................. 0.00 20,452.19 37,323.28 0.00
August 25, 2024............................... 0.00 19,645.93 35,851.91 0.00
September 25, 2024............................ 0.00 18,867.93 34,432.15 0.00
October 25, 2024.............................. 0.00 18,117.28 33,062.29 0.00
November 25, 2024............................. 0.00 17,393.07 31,740.66 0.00
December 25, 2024............................. 0.00 16,694.42 30,465.70 0.00
January 25, 2025.............................. 0.00 16,020.49 29,235.83 0.00
February 25, 2025............................. 0.00 15,370.45 28,049.58 0.00
March 25, 2025................................ 0.00 14,743.51 26,905.49 0.00
April 25, 2025................................ 0.00 14,138.92 25,802.15 0.00
May 25, 2025.................................. 0.00 13,555.91 24,738.22 0.00
June 25, 2025................................. 0.00 12,993.77 23,712.38 0.00
July 25, 2025................................. 0.00 12,451.81 22,723.34 0.00
August 25, 2025............................... 0.00 11,929.34 21,769.90 0.00
September 25, 2025............................ 0.00 11,425.73 20,850.84 0.00
October 25, 2025.............................. 0.00 10,940.32 19,965.03 0.00
November 25, 2025............................. 0.00 10,472.52 19,111.34 0.00
December 25, 2025............................. 0.00 10,021.73 18,288.70 0.00
January 25, 2026.............................. 0.00 9,587.38 17,496.05 0.00
February 25, 2026............................. 0.00 9,168.91 16,732.38 0.00
March 25, 2026................................ 0.00 8,765.79 15,996.72 0.00
April 25, 2026................................ 0.00 8,377.50 15,288.12 0.00
May 25, 2026.................................. 0.00 8,003.53 14,605.67 0.00
June 25, 2026................................. 0.00 7,643.40 13,948.47 0.00
July 25, 2026................................. 0.00 7,296.64 13,315.66 0.00
August 25, 2026............................... 0.00 6,962.79 12,706.42 0.00
September 25, 2026............................ 0.00 6,641.42 12,119.94 0.00
October 25, 2026.............................. 0.00 6,332.09 11,555.45 0.00
November 25, 2026............................. 0.00 6,034.40 11,012.19 0.00
December 25, 2026............................. 0.00 5,747.94 10,489.43 0.00
January 25, 2027.............................. 0.00 5,472.33 9,986.48 0.00
February 25, 2027............................. 0.00 5,207.20 9,502.64 0.00
March 25, 2027................................ 0.00 4,952.18 9,037.26 0.00
April 25, 2027................................ 0.00 4,706.94 8,589.70 0.00
May 25, 2027.................................. 0.00 4,471.11 8,159.35 0.00
June 25, 2027................................. 0.00 4,244.39 7,745.61 0.00
July 25, 2027................................. 0.00 4,026.46 7,347.90 0.00
August 25, 2027............................... 0.00 3,817.01 6,965.66 0.00
September 25, 2027............................ 0.00 3,615.73 6,598.37 0.00
October 25, 2027.............................. 0.00 3,422.36 6,245.48 0.00
November 25, 2027............................. 0.00 3,236.61 5,906.50 0.00
December 25, 2027............................. 0.00 3,058.21 5,580.94 0.00
January 25, 2028.............................. 0.00 2,886.91 5,268.33 0.00
February 25, 2028............................. 0.00 2,722.45 4,968.22 0.00
March 25, 2028................................ 0.00 2,564.60 4,680.15 0.00
April 25, 2028................................ 0.00 2,413.12 4,403.70 0.00
May 25, 2028.................................. 0.00 2,267.78 4,138.48 0.00
June 25, 2028................................. 0.00 2,128.37 3,884.06 0.00
July 25, 2028................................. 0.00 1,994.67 3,640.07 0.00
August 25, 2028............................... 0.00 1,866.48 3,406.14 0.00
September 25, 2028............................ 0.00 1,743.60 3,181.91 0.00
October 25, 2028.............................. 0.00 1,625.85 2,967.01 0.00
November 25, 2028............................. 0.00 1,513.03 2,761.14 0.00
December 25, 2028............................. 0.00 1,404.98 2,563.94 0.00
January 25, 2029.............................. 0.00 1,301.51 2,375.12 0.00
February 25, 2029............................. 0.00 1,202.46 2,194.36 0.00
March 25, 2029................................ 0.00 1,107.67 2,021.38 0.00
April 25, 2029................................ 0.00 1,016.98 1,855.90 0.00
May 25, 2029.................................. 0.00 930.25 1,697.62 0.00
June 25, 2029................................. 0.00 847.33 1,546.30 0.00
July 25, 2029................................. 0.00 768.08 1,401.67 0.00
August 25, 2029............................... 0.00 692.36 1,263.49 0.00
September 25, 2029............................ 0.00 620.05 1,131.52 0.00
October 25, 2029.............................. 0.00 551.01 1,005.53 0.00
November 25, 2029............................. 0.00 485.12 885.30 0.00
December 25, 2029............................. 0.00 422.27 770.60 0.00
January 25, 2030.............................. 0.00 362.35 661.24 0.00
February 25, 2030............................. 0.00 305.23 557.01 0.00
March 25, 2030................................ 0.00 250.82 457.72 0.00
April 25, 2030................................ 0.00 199.02 363.18 0.00
May 25, 2030.................................. 0.00 149.71 273.22 0.00
June 25, 2030................................. 0.00 102.82 187.65 0.00
July 25, 2030................................. 0.00 58.25 106.30 0.00
August 25, 2030............................... 0.00 15.90 29.02 0.00
September 25, 2030............................ 0.00 0.00 0.00 0.00
