LOAN ACQUISITION AGREEMENT

between

ALLEGIANCE CAPITAL, LLC("Company")and

 

ALLEGIANCE FUNDING CORP. I("Depositor")

 

 

----

 

Dated as of August 1, 1998

 

 

 

 

TABLE OF CONTENTS

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       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| PageARTICLE ONEDEFINITIONS
Section 1.01 Defined Terms. 
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Section 1.02 Certain Rules of Construction. 5ARTICLE TWOACQUISITION OF LOAN ASSETSSection 2.01Conveyance of Loan Assets7Section 2.02Authorization and Issuance of Common Stock by the Depositor.7Section 2.03Use of Proceeds7Section 2.04Delivery of Loans; Filing of Financing Statements8Section 2.05Servicing of Loans8Section 2.06Review of Loans8Section 2.07Nature of Transfer9
ARTICLE THREE
REPRESENTATIONS AND WARRANTIESSection 3.01Representations and Warranties of the Company10Section 3.02Representations and Warranties of the Depositor20Section 3.03Substitution or Repurchase of Loans22Section 3.04Requirements for Purchase or Substitution of Loans22ARTICLE FOURCOVENANTS OF THE COMPANYSection 4.01The Company Covenants24Section 4.02Depositor Covenants27Section 4.03Assignment of Loan Assets28ARTICLE FIVECONDITIONSSection 5.01Conditions to the Depositor's Obligations29Section 5.02Conditions to the Company's Obligations30ARTICLE SIXTERM AND TERMINATIONSection 6.01Term31Section 6.02Default by the Company31
iARTICLE SEVENGENERAL PROVISIONS
Section 7.01Amendments.32Section 7.02Governing Law32Section 7.03Notices32Section 7.04Separability Clause32Section 7.05Assignment32Section 7.06Further Assurances32Section 7.07No Waivers; Cumulative Remedies33Section 7.08Binding Effect; Third Party Beneficiaries33Section 7.09Set-Off33
EXHIBITSExhibit AForm of Company CertificateExhibit BLoan Funding ChecklistExhibit CForm of Pending Credit ScheduleExhibit DPool CriteriaExhibit EProgram GuidelinesExhibit FScope of Specified ReviewExhibit GStandard Forms
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                   This LOAN ACQUISITION AGREEMENT (this "Agreement"), dated as of August 1, 1998,is entered into between Allegiance Capital, LLC, a Delaware limited liability company (the"Company"), and Allegiance Funding Corp. I, a Delaware corporation (the"Depositor").

RECITALS

                   The Depositor has entered into, or is in the process of entering into, a Trust Agreement,dated as of August 1, 1998 (the "Trust Agreement"), with Manufacturers andTraders Trust Company, a New York banking corporation (the "Trustee"),Allegiance Capital, LLC, as special servicer (the "Special Servicer"), and PointWest Capital Corporation, as servicer (the "Servicer"), pursuant to which theDepositor, on behalf of the Trust, has caused or will cause the issuance of various Seriesof Revolving Certificates and various Series of Term Certificates.

                   In furtherance thereof, the Company and the Depositor are entering into this Agreement toprovide for, among other things, the acquisition by the Depositor of all of the Company=s right, title and interestin and to certain Loan Assets, which the Depositor will, in accordance with the TrustAgreement, subsequently be conveying to the Trustee from time to time for inclusion in theTrust Estate. As a precondition to the effectiveness of this Agreement, the Depositor, theTrustee, the Servicer, the Special Servicer and the Servicing Advisor will enter into theServicing Agreement to provide for the servicing of the Loan Assets. 
                    In addition, the Depositor will be conveying to the Trustee, among other things, all ofthe Depositor's rights derived under this Agreement and the Servicing Agreement, and theCompany agrees that all representations, warranties, covenants and agreements made by itin this Agreement with respect to the Loan Assets and otherwise shall also be for thebenefit of the Trustee and all Certificateholders. In consideration of the Company=s contribution and sale andthe Company=srepresentations, warranties, covenants and agreements under this Agreement, the Companywill be receiving all of the Common Stock and such other consideration as is required tobe paid from time to time hereunder.
                   In consideration of the mutual agreements contained herein and of other good and valuableconsideration (the receipt and adequacy of which are hereby acknowledged), the partieshereto agree as follows:

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**ARTICLE ONE

DEFINITIONS

 
**                   Section 1.01            Defined Terms.**
                   Each capitalized term used herein but not otherwise defined has the meaning assigned tosuch term in the Trust Agreement or, if not defined therein, in the Servicing Agreement.For purposes of this Agreement, each of the following terms has the meaning specifiedherein:

                   "Agreement": The meaning set forth in the introductory paragraph hereof.

                   "Common Stock": All of the issued and outstanding shares of common stock of theDepositor, which consist of one thousand (1,000) shares having a par value of $0.01 pershare.

                   "Company": The Person described in the introductory paragraph hereof and allsuccessors and permitted assigns of such Person under this Agreement.

                   "Company Address": 1700 Montgomery Street, Suite 250, San Francisco, California94111, or such other address furnished in writing to the Trustee, the Certificateholdersand the Depositor in accordance with the provisions hereof.

                   "Company Certificate": A certificate of the Company, substantially in the formof Exhibit A.

                   "Depositor": The Person described in the introductory paragraph hereof and allsuccessors and permitted assigns of such Person under the Trust Agreement and thisAgreement.

                   "Depositor Address": 1700 Montgomery Street, Suite 250B, San Francisco,California 94111, or such other address furnished in writing to the Trustee, theCertificateholders and the Company in accordance with the provisions hereof.

                   "Electronic Records": The electronic master records of all loans of the Companyor the Special Servicer similar to and including the Loans.

                   "Eligible Loan": A Loan that satisfies all of the criteria set forth in Section3.01(a) and does not cause the Loan Pool to violate the Pool Criteria.

                   "Environmental Laws": All federal, state, local and foreign statutes, laws,regulations, ordinances, rules, judgments, orders, decrees, permits, concessions, grants,franchises, licenses, agreements or other governmental restrictions relating to theenvironment or to emissions, discharges or releases of pollutants, contaminants, petroleumor petroleum products, chemicals or industrial, toxic or hazardous substances or wastesinto the environment, including ambient air, surface water, ground water, or land, orotherwise relating to the manufacture, processing, distribution, use, treatment, storage,disposal, transport or handling of pollutants, contaminants, petroleum or petroleumproducts, chemicals or industrial, toxic or hazardous substances or wastes or the cleanupor other remediation thereof.

                   "Existing Indebtedness": Any indebtedness of the Company that relates topre-existing financings of any Loans that are conveyed hereunder.

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                   "GAAP": With respect to any Loan, generally accepted accounting principles inthe United States consistently applied and, to the extent not in conflict therewith, inthe case of any accounting determination with respect to the related Obligor(s), on abasis consistent with the financial statements of such Obligor(s).

                   "Initial Delivery Date": The meaning set forth in the Trust Agreement.

                   "Lease": A lease for all or any portion of the real property comprising theMortgaged Property entered into with a third party, the lessee=s interest in which is heldby an Obligor of the related Loan.
                   "Lien": Any security interest, lien, charge, pledge, equity or encumbrance ofany kind, other than any inchoate liens for taxes not yet due.

                   "Loan Assets": All of the Company=s right, title and interest, whenever existing or arisingand whether now owned or hereafter acquired, in and to the following: (a) the Loans andall rights with respect thereto, including (i) all payments made or payable by or onbehalf of any Obligor thereunder or with respect thereto on or after the Cut-Off Date forsuch Loan, including all periodic payments ( including all Scheduled Payments butexcluding the portion thereof representing interest accrued prior to the Cut-Off Date),all amounts paid by any guarantor of a Loan, all payments made in respect of DefaultedLoans, all Insurance Proceeds, all prepayments fees, all premiums, and all late payment orother incidental charges or fees (including late fees, collection fees and bounced checkcharges) and (ii) all guaranties, Insurance Policies, and other agreements or arrangementsof whatever character from time to time supporting or securing payment of any Loan; (b)the Loan Files; (c) the security interests and other Liens of the Company in the LoanCollateral; and (d) all income and proceeds of the foregoing or relating thereto.
                   "Loan Collateral": The tangible and intangible assets (including accounts,equipment, general intangibles, inventory, and real property) that secure, directly orindirectly, all or any portion of a Loan.

                   "Loan File": With respect to any Loan, a file containing: (a) all of the itemson the Loan Funding Checklist for such Loan, including the original manually executedcredit agreement(s), loan agreement(s), promissory note(s), Mortgage(s), assignment(s),consent(s), estoppel(s), guaranty(ies), security agreement(s), and other agreements,documents and instruments (including any Insurance Policies) evidencing or otherwiserelating to such Loan, the original credit application executed by the Obligor(s)thereunder, and all other agreements, documents, and instruments required by the LoanFunding Checklist (including any share certificates and related stock powers); (b) therelated loan application; (c) the related credit memorandum; (d) the related Valuation;(e) the related Specified Review; and (f) all related filings (including UniformCommercial Code filings), notices, transfers, assignments (including assignments of allrelated Mortgages (in recordable form and duly executed) and Notes), stock or otherappropriate powers or instruments of transfer (duly executed in blank) and recordings asrequired under Section 3.01(a)(ix) hereof, the Trust Agreement or applicable law (i) toperfect the sale by the Company to the Depositor of such Loan and the related Loan Assetsbeing acquired hereunder, (ii) to assign to the Trustee all Uniform Commercial Codefinancing statements perfecting the security interest of the Depositor (as assignee of theCompany) in the related Loan Collateral, (iii) to perfect the first priority securityinterest of the Trustee in the Depositor's rights therein, and (iv) to cause any relatedLoan Collateral (including any related Mortgages) to name the Trustee as lienholder inaccordance with the provisions of the Trust Agreement.

                   "Loan Funding Checklist": The checklist of all required documentation relatingto any Loan, substantially in the form of Exhibit B. 

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                   "Mortgage": The mortgage, deed of trust or other instrument securing a Loan,which creates a first lien on an unsubordinated fee, leasehold or ground leasehold estateon real property.

                   "Mortgaged Property": Any real property (irrespective of whether a fee or aleasehold estate) that is encumbered by a Mortgage and secures, directly or indirectly,the repayment of all or any portion of any Loan or any guaranty thereof or any debtevidenced by a Note.

                   "Note": The note or other evidence of indebtedness of an Obligor evidencing aLoan.

                   "Pending Credit Schedule": A schedule, substantially in the form of Exhibit Cattached hereto, setting forth, with respect to each Loan, a summary of the financialterms of such Loan, a summary of the relevant documents and the structure of the Loan andthe security therefor.

                   "Pension Plans": The meaning set forth in Section 3.01(c)(xvi).

                   "Permitted Loan Collateral Liens": Collectively, with respect to any Loan andthe related Loan Collateral therefor: (a) Liens that are identified as existing on thedate of the related Loan closing or that are permitted under the terms of the related Loandocuments to arise thereafter, in each case as approved in writing by the Depositor andthe Certificateholder Agent; (b) statutory Liens of landlords, carriers, warehousemen,mechanics, or materialmen, and other Liens (other than Liens in connection with anyEnvironmental Law and any Lien imposed under ERISA) imposed by law and incurred in theordinary course of business of any related Obligor for sums either not yet delinquent orbeing contested in good faith by appropriate proceedings promptly instituted anddiligently conducted and for which adequate reserves have been established in accordancewith GAAP (if so required); (c) Liens (other than Liens in connection with anyEnvironmental Law and any Lien imposed under ERISA) incurred or deposits made in theordinary course of business of any related Obligor in connection with workers'compensation, unemployment insurance, and other types of social security, or to secure theperformance of statutory obligations, surety and appeal bonds, leases, or other similarobligations; (d) non-material easements, rights-of-way, restrictions, and other similarcharges or encumbrances not interfering in any material respect with the ordinary courseof business of any Obligor; (e) banker's Liens in the nature of rights of setoff arisingin the ordinary course of business of any related Obligor; (f) Liens on property of anyrelated Obligor to another related Obligor securing debt of the one party owing to theother (but only if such debt is Loan Collateral); (g) Liens for taxes, assessments orother governmental charges or statutory obligations that are not delinquent or remainpayable without any penalty or that are being contested in good faith by appropriateproceedings promptly instituted and diligently conducted and for which adequate reserveshave been established in accordance with GAAP (if so required); and (h) Liens created bythe Loan documents in favor of the Company.

                   "Pool Criteria": The criteria set forth on Exhibit D.

"Program Guidelines": The underwriting guidelines of theCompany with respect to the origination of the Loans, which are as set forth on ExhibitE attached hereto; provided that "Program Guidelines" shall notinclude any Proposed Revisions (as that term is defined in Section 4.01(r)) if thesame is, or is deemed, rejected by the Depositor, the Rating Agency or theCertificateholder Agent in accordance with Section 4.01(r).

                   "Proposed Revisions": The meaning set forth in the Section 4.01(r).

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                   "Qualified Insurer": An insurance company duly qualified as such under the lawsof the states in which any applicable Loan Collateral is located, duly authorized andlicensed in such states to transact the applicable insurance business and to write theinsurance provided, and which is rated as to claims paying ability as follows: (a) withrespect to pre-need insurance for customers of Obligors, at least "B++/V" or, inthe case of Homesteaders Life Co., "B+/V" by Best=s Key Rating Guide; (b) withrespect to life insurance assigned by an Obligor under a Loan, at least "B+/V"or, if in excess of the applicable state guaranty fund limits, at least "B++/VI"by Best=s KeyRating Guide; and (c) with respect to all other insurance, at least "A" by Best=s Key Rating Guide.
                   "Servicer": The Person described in the recitals hereof until a successor Personshall have (if applicable) become the Servicer pursuant to the applicable provisions ofthe Servicing Agreement, whereupon "Servicer" shall mean such successor Person.

                   "Servicing Advisor": The Person described in the introduction of the ServicingAgreement until a successor Person shall have (if applicable) become the Servicing Advisorpursuant to the applicable provisions of the Servicing Agreement, whereupon"Servicing Advisor" shall mean such successor Person.

                   "Special Servicer": The Person described in the recitals hereof until asuccessor Person shall have (if applicable) become the Special Servicer pursuant to theapplicable provisions of the Servicing Agreement, whereupon "Special Servicer"shall mean such successor Person.

                   "Specified Review": A review of a Loan and of the related initial Valuation,conducted by Deloitte & Touche LLP or any other "Big 5" accounting firm(including any consulting arm thereof) or any other Independent person approved in advancein writing by the Certificateholder Agent, which review addresses the items set forth on ExhibitF.

                   "Standard Forms": The forms of the documents attached hereto as Exhibit Gwith such changes thereto, if any, as are from time to time approved by both theCertificateholder Agent and the Rating Agency.

                   "Substitute Loan": The meaning set forth in Section 3.04(b).

                   "Transfer Taxes": The meaning set forth in Section 3.01(a)(viii).

                   "Trust Agreement": The meaning set forth in the recitals hereof.

                   "Trustee": The Person described in the recitals hereof until a successor Personshall have (if applicable) become the Trustee pursuant to the applicable provisions of theTrust Agreement, whereupon "Trustee" shall mean such successor Person.

                   "Valuation": A valuation of an Obligor=s business and assets comprising the Loan Collateral, asprepared by an experienced and competent business appraiser acceptable to theCertificateholder Agent and which, initially, shall include FAIr Market Value, Inc.**                   Section 1.02            Certain Rules of Construction.**
                   Unless the context of this Agreement clearly requires otherwise: (a) references to theplural include the singular and to the singular include the plural; (b) references to anygender include any other gender; (c) the words "include" and"including" are not limiting; (d) the word "or" has the inclusivemeaning represented 

5

by the phrase "and/or"; (e) the words "hereof,""herein," "hereby," and "hereunder," and any other similarwords, refer to this Agreement as a whole and not to any particular provision hereof; and(f) article, section, subsection, clause, exhibit, and schedule references are to thisAgreement. Article, section, and subsection headings are for convenience of referenceonly, shall not constitute a part of this Agreement for any other purpose, and shall notaffect the construction of this Agreement. All exhibits and schedules attached hereto areincorporated herein by this reference. Any reference herein to this Agreement or any otheragreement, document, or instrument includes all permitted alterations, amendments,changes, extensions, modifications, renewals, or supplements thereto or thereof, asapplicable.

6

 

 
**ARTICLE TWO

ACQUISITION OF LOAN ASSETS

                   Section 2.01            Conveyance of Loan Assets.**
                   (a)          In consideration of the Depositor'sdelivery to or upon the order of the Company of the Common Stock and the net proceeds fromthe initial sale of the Certificates, the Company does hereby sell, transfer, contribute,assign, set over and otherwise convey to the Depositor, without recourse (except asprovided in Sections 2.06, 3.03 and 3.04), all of the Company's right, title and interestnow existing or hereafter arising in and to the Loan Assets related to the Loans listed oneach Loan Schedule. The Company, from time to time hereafter, shall sell and contribute tothe Depositor all of the Company's right, title and interest then existing or thereafterarising in and to a Funding Group or Substitute Loans (and, in each case, the related LoanAssets) pursuant to a Company Certificate under the circumstances and in accordance withthe procedures set forth herein and in the Trust Agreement. The Company agrees that allLoans sold, contributed, transferred and conveyed to the Depositor hereunder shall beEligible Loans and that all Loan Assets acquired by the Depositor shall conform with allof the requirements hereof. The Company hereby acknowledges that each transfer of the LoanAssets to the Depositor is absolute and irrevocable, without reservation, retention of anyinterest, or recourse to the Company, except as provided in Sections 2.06, 3.03 and 3.04.

                   (b)          If, for any reason, the Companyretains any portion of the Loan File pertaining to any Loan sold to the Depositorhereunder, it shall hold such documents as the Special Servicer in trust for the benefitof the Depositor and the Trustee. The possession by the Company of any Loan File (or anyportion thereof) pertaining to any Loan is, and shall be, at the will of the Depositor andthe Trustee for the sole purpose of servicing such Loan Assets, and such retention andpossession by the Company is, and shall be, in a custodial capacity only. Any Loan File orportion thereof relating to any Loan shall be segregated from the books and records of theCompany and shall be marked appropriately to reflect clearly the sale of the related LoanAssets to the Depositor and the conveyance thereof to the Trust.
**                   Section 2.02         Authorization and Issuance ofCommon Stock by the Depositor.**
                   Subject to all the terms and conditions hereof and in reliance upon the representations,warranties and covenants set forth in this Agreement, the Depositor shall issue, as of theInitial Delivery Date, the Common Stock to the Company. In accordance with all of theterms and conditions hereof: (a) the Depositor shall issue the Common Stock in the nameof, and shall deliver the Common Stock directly to, the Company; and (b) the Company shallobtain the Common Stock directly from the Depositor.
**                   Section 2.03         Use of Proceeds.**
                   Subject to all the terms and conditions hereof and in reliance upon the representations,warranties and covenants set forth herein, the Depositor shall, on the Initial DeliveryDate and on any Acquisition Date, repay the Existing Indebtedness, if any, with theproceeds of the sale of any Certificates simultaneously upon the issuance of suchCertificates.

 

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**                   Section 2.04         Delivery of Loans; Filing ofFinancing Statements.**
                   (a)          In connection with each Funding, theCompany shall deliver to the Depositor, the Certificateholder Agent and the Rating Agencya Pending Credit Schedule, Specified Reviews, a Funding Report and a Company Certificatein accordance with Sections 4.03 and 4.04 of the Trust Agreement.

                   (b)          Promptly upon the transfer by theCompany to the Depositor of the Loan Assets, the Company shall notify all Obligors inwriting to send all payments in respect of the Loans directly to the Lockbox Account.

                   (c)          In connection with the Depositor'sacquisition of any Loan Assets, the Company, on behalf of the Depositor, shall deliver tothe Trustee in accordance with Section 4.06 of the Trust Agreement****the originalrelated Loan Files and shall deliver to the Servicer and the Special Servicer a copy ofsuch Loan Files to assist them in their respective servicing obligations (as providedunder the Transaction Documents). In addition, in connection with the Depositor=s acquisition of any LoanAssets, the Company shall make, file, or record, as applicable, on or prior to theacquisition of such Loan Assets all filings (including Uniform Commercial Code filings),notices, transfers, assignments (including assignments of all related Mortgages (inrecordable form duly executed) and Notes), stock or other appropriate powers orinstruments of transfer (duly executed in blank) and recordings as required under Section3.01(a)(ix) hereof, the Trust Agreement or applicable law (i) to perfect the sale by theCompany to the Depositor of the Loans and the related Loan Assets being acquiredhereunder, (ii) to assign to the Trustee all Uniform Commercial Code financing statementsperfecting the security interest of the Depositor (as assignee of the Company) in therelated Loan Collateral, (iii) to perfect the first priority security interest of theTrustee in the Depositor's rights therein, and (iv) to cause any related Loan Collateral(including any Mortgages) to name the Trustee as lienholder in accordance with theprovisions of the Trust Agreement.
                   (d)          In connection with the Depositor'sacquisition of any Loan Assets, the Company shall promptly, at its own expense, cause allElectronic Records and other records maintained by it to be marked to show that the LoanAssets have been acquired by the Depositor in accordance herewith and subsequentlyconveyed by the Depositor to the Trustee in accordance with the Transaction Documents..
**Section 20.5                 Servicing of    Loans.**
The Servicer and the Special Servicer shall service all Loan Assets forthe benefit of the Depositor (and its successors and assigns), the Trustee and theCertificateholders, in accordance with the terms and conditions of the TransactionDocuments. Notwithstanding the foregoing, the Company acknowledges and agrees that itsobligations hereunder are independent of any obligations it may have as the SpecialServicer and that its obligations under this Agreement will continue in full force andeffect, whether or not it is acting as the Special Servicer, until termination of thisAgreement in accordance with Section 6.01.
**Section 2.06                 Review of Loans.**
If the Company discovers or is notified by the Depositor or by theTrustee on behalf of the Certificateholders or by the Certificateholder Agent that anymaterial document in any Loan File (including any Note, Mortgage or other documentspecified in clause (f) of the definition of "Loan File" contained herein) ismissing or defective (that is, mutilated, damaged, defaced, incomplete, improperly dated,clearly forged or otherwise physically altered) in any material respect, the Company shallcorrect or cure such omission, defect or other irregularity within forty-five (45) daysfrom the date the Company discovered, or 

8

 

is notified by the Depositor or the Trustee of, such omission ordefect. Otherwise, the Company shall repurchase such Loan from the Depositor or replacesuch Loan with a Substitute Loan in accordance with Sections 3.03 and 3.04.
**                   Section 2.07         Nature of Transfer.**
                   (a) The transfers of Loan Assets by the Company to the Depositor pursuant to thisAgreement are intended to be absolute assignments of all of the Company's right, title andinterest in, to and under such Loan Assets, without recourse (except as provided inSections 2.06, 3.03 and 3.04), for all purposes.

                   (b) If the transfer of any or all of the Loan Assets from the Company to the Depositor isdeemed for any reason to be a secured financing, then the Company shall be deemedhereunder to have granted to the Depositor, and the Company does hereby grant to theDepositor, a first priority security interest in all of the Loan Assets. For purposes ofsuch grant, this Agreement shall constitute a security agreement under applicable law.

                   (c) If the transfer contemplated by this Agreement is deemed for any reason to be lessthan a transfer of complete legal title of all of the Loan Assets, the parties heretonevertheless intend that this Agreement operate to transfer all of the Loan Assets to theDepositor.

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**ARTICLE THREE

REPRESENTATIONS AND WARRANTIES

 
**                   Section 3.01         Representations andWarranties of the Company.**
                   (a)          Subject to any exceptions reflectedin a related Funding Report that are approved by the Certificateholder Agent, the Companyhereby makes the following representations and warranties as to each Loan to the Depositorand for the benefit of the Trustee and the Certificateholders, on which the Depositorrelies in acquiring the Loan and the other related Loan Assets, the Trustee relies inaccepting the Trust Estate and authenticating the Certificates and the Certificateholdersrely in acquiring the Certificates and making advances under the Transaction Documents.Such representations and warranties speak, unless otherwise indicated, as of theAcquisition Date with respect to such Loan, but such representations and warranties shallsurvive any subsequent transfer, assignment, contribution or conveyance of such Loan.

            (i)                 The information    set forth with respect to such Loan in the Loan Schedule is true and correct as of the    related Cut-Off Date and Acquisition Date;

            (ii)                 Such Loan is a    senior secured commercial loan originated in the United States of America by the Company    in the ordinary course of the Company's business. Such Loan is denominated and payable in    United States dollars. Such Loan is fully and properly executed by the parties thereto.    The rights with respect to such Loan are assignable by the lender thereunder and its    assignees without the consent of or notice to any Person. 

               (iii)              The Company    shall have delivered to the Depositor either (A) the original manually executed Note    relating to such Loan, all other original documents evidencing such Loan (with the    exception of such original documents as have not yet been returned from the appropriate    filing/recordation office, which documents shall be forwarded to the Trustee within one    hundred twenty (120) days of the date of the closing of such Loan; provided that,    if such original documents are not forwarded to the Trustee on or before such date, then    the Company shall provide written notice to the Trustee and the Certificateholder Agent of    such fact, such written notice to provide the circumstances of such failure and what steps    the Company is taking or is able to take in respect thereof (depending on information    supplied by the applicable filing/recordation office)), and the other items comprising the    Loan File related thereto or (B) executed Escrow Instructions, or other evidence    acceptable to the Depositor, the Trustee and the Certificateholder Agent that such items    have been obtained from the Obligor and are being held in escrow; with delivery of all    original documents evidencing such Loan and the related Loan File to be made within two    (2) Business Days following the related Acquisition Date (with the exception of such    original documents as have not yet been returned from the appropriate filing/recordation    office, which documents shall be forwarded to the Trustee within one hundred twenty (120)    days of the date of the closing of such Loan; provided that, if such original    documents are not forwarded to the Trustee on or before such date, then the Company shall    provide written notice to the Trustee and the Certificateholder Agent of such fact, such    written notice to provide the circumstances of such failure and what steps the Company is    taking or is able to take in respect thereof (depending on information supplied by the    applicable filing/recordation office)).

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                   (iv)          There is only one original manuallyexecuted counterpart of the Note relating to such Loan, which has been delivered to theTrustee, and the Company's Electronic Records and other records have been marked asprovided in Section 2.04(d).

                   (v)          Such Loan was not originated in, noris it subject to the laws of, any jurisdiction, the laws of which would make unlawful thesale, transfer or assignment of such document under any of the Transaction Documents,including any repurchase in accordance with the Transaction Documents.

                   (vi)          Such Loan is, and on the relatedCut-Off Date and Acquisition Date will be, in full force and effect in accordance with itsrespective terms and neither the Company nor any Obligor has or will have suspended orreduced any payments or obligations due or to become due thereunder by reason of a defaultby the other party to such Loan; and, as of the related Acquisition Date: (A) such Loan isnot a Delinquent Loan or a Defaulted Loan and (B) there are no proceedings pending, or tothe best of the Company's knowledge, threatened, asserting the insolvency of an Obligor;and there are no proceedings pending, or to the best of the Company's knowledge,threatened wherein the Obligor or any governmental agency has alleged that such Loan isillegal or unenforceable or which could reasonably be expected to have a material adverseeffect on the financial condition of the related Obligor or the enforceability of theLoan; and no advances were made to qualify the Loan under the eligibility criteriacontained in this Section 3.01. 

                   (vii)          To the best of the Company=s knowledge, there has been no advance offunds by a party other than the related Obligor(s) for the payment of any amount requiredin respect of such Loan.

                   (viii)          Such Loan is the valid, bindingand legally enforceable obligation of the parties thereto, enforceable in accordance withits terms, subject, as to enforcement, to applicable bankruptcy, insolvency,reorganization and other similar laws of general applicability relating to or affectingcreditors' rights generally and to general principles of equity regardless of whetherenforcement is sought in a court of law or equity. 

                   (ix)          All related filings (includingUniform Commercial Code filings and further including such Uniform Commercial Code filingsnaming the Trustee as assignee of secured party with respect to the Obligors under suchLoan), notices, transfers, assignments (including assignments of all related Mortgages (inrecordable form and duly executed)), stock or other appropriate powers or instruments oftransfer (duly executed in blank), recordings and other actions as required under theTrust Agreement or applicable law to perfect the first priority security interest of theDepositor in such Loan and the related Loan Assets being acquired hereunder, to assignsuch security interest to the Trustee, to perfect the first priority security interest ofthe Trustee in the Depositor's rights therein and to cause any related Loan Collateral(including any related Mortgages) to name the Trustee as lienholder in accordance with theprovisions of the Trust Agreement have been accomplished and are in full force and effector will be accomplished within the time period specified in the Transaction Documents.Such Loan creates a valid, subsisting and enforceable first priority lien upon andsecurity interest in the related Loan Collateral subject only to Permitted Loan CollateralLiens, securing such Loan in favor of the Company. Such Loan together with the relatedlien and security interest in the Loan Collateral has been duly assigned by the Company tothe Depositor and by the Depositor to the Trustee.

11

 

                   (x)          Each Loan (except as described below)is secured by a related Mortgage, which is a valid and enforceable first lien on the feeor leasehold estate (as indicated in the exhibit/attachment to the Mortgage) of therelated Mortgage Property, which estate is free and clear of all other encumbrances andliens, except (in the case of a mortgage of a fee estate) for (A) liens for real estatetaxes and special assessments not yet due and payable, (B) covenants, conditions andrestrictions, rights of way, easements and other matters of public record as of the dateof recording of such Mortgage, such exceptions appearing of record being acceptable tocommercial mortgage lending institutions generally or specifically (i.e., not through ageneral exception or exclusion) reflected in the title policy made in connection with theorigination of the related Loan, (C) other matters to which like properties are commonlysubject which do not individually or in the aggregate, materially interfere with thebenefits of the security intended to be provided by such Mortgage, or (D) any other lienas approved by the Company, the Depositor and the Certificateholder Agent.

                   (xi)          Such Loan is notcross-collateralized with any other obligation other than the following: (A) a Loan thatis a whole loan and not a participation interest; or (B) an obligation not a Loan to theextent that: (1) such obligation is a loan originated by the Company; (2) such obligationhas a debt service coverage ratio, fixed charge coverage ratio or other similar measureanalogous to the Coverage Ratio applicable to the Loan of not less than 1.60:1.00; (3) theproceeds of such other obligation are to be used solely for (y) acquiring additional deathcare establishments or real property or making any improvements relating thereto or (z)constructive business purposes of the related Obligor, provided that no proceeds ofany such obligation are used by or distributed to any Affiliate of the related Obligorother than such Person=s wholly ownedsubsidiaries; (4) such other obligation will be serviced solely by the Servicer; (5) theCompany shall have entered into an intercreditor agreement in form and substancereasonably satisfactory to the Certificateholder Agent and the Rating Agency with therelated creditor (or the assignee thereof) of such other obligation; and (6) the Companyshall have provided all information with respect to such other obligation as shall havebeen reasonably requested by the Certificateholder Agent and the Rating Agency.

                   (xii) In the case of a Mortgage of a fee or leasehold estate in connection with such Loan,the related Mortgaged Property is covered by an ALTA or comparable lender's titleinsurance policy, issued by a Qualified Insurer, insuring the Company, its successors andassigns that the related Mortgage is a valid first lien on such Mortgaged Property,subject (in the case of a Mortgage on a fee estate) only to the matters set forth inSection 3.01(a)(x) and Permitted Loan Collateral Liens. Such title insurance policy is infull force and effect, is freely assignable to each of the Depositor and the Trustee, asassignee of the Loan using a 104 or similar endorsement which endorsement insures theholder of record that there is no prior assignment of the Loan. Such title insurancepolicy insures the Mortgaged Property in the amount required by the Program Guidelines.The policy does not contain any special exceptions (other than standard exclusions andendorsements) for zoning and uses or other special exceptions (other than surveyexceptions) that would render the Mortgaged Property unmarketable. No claim has been madeunder such title insurance policy. The Company has not done, by act or omission, anything,and has no knowledge of any fact, which would materially impair the coverage of any suchtitle insurance policy. The title policy has been marked to delete the intervening lienexception and all premiums for such policy, including any premiums for endorsements andspecial endorsements, have been paid. 

                   (xiii) Any Mortgaged Property related to such Loan is insured by a fire and extendedperils insurance policy, issued by a Qualified Insurer, providing coverage against loss ordamage sustained by reason of fire, lightning, windstorm, hail, explosion, riot, riotattending a strike, civil 

12

commotion, aircraft, vehicles and smoke, and, to the extent required asof the date of origination by the Company consistent with its commercial lending practicesand the Program Guidelines, against other risks insured against by Persons operating likeproperties in the locality of the Mortgaged Property, in an amount not less than thatspecified by the Program Guidelines. The primary related Obligor also maintains businessinterruption and rental continuation coverage sufficient to protect against loss under apolicy issued by a Qualified Insurer in accordance with the Program Guidelines. If anyportion of the Mortgage Property is in an area identified by any federal governmentaldepartment, agency or authority as having special flood hazards, and flood insurance isavailable, a flood insurance policy meeting the current guidelines of the FederalInsurance Administration is in effect with a generally acceptable insurance carrier, in anamount representing coverage not less than the least of the maximum amount of insuranceavailable under the Flood Disaster Protection Act of 1973, as amended. All such insurancepolicies contain a standard loss payable endorsement naming the Company, its successorsand assigns (including subsequent owners of the Loan), as mortgagee, and may not bereduced, terminated or cancelled without thirty (30) days prior written notice to themortgagee. No such notice has been received by the insured. All premiums on any suchpolicy have been paid for at least six (6) months following the related Loan closing date.The related Mortgage obligates the related Obligor to maintain all such insurance and, atsuch Obligor's failure to do so, authorizes the mortgagee to maintain such insurance atthe Obligor's cost and expense and to seek reimbursement therefor from such Obligor.

                   (xiv)          Such Loan was originated by theCompany and each related Loan Asset satisfies in all material respects the ProgramGuidelines.

                   (xv)          The proceeds of such Loan have beenfully disbursed and there is no requirement for future advances thereunder and any and allrequirements stated in the commitment letter between the Company and the related Obligorsand the closing instructions of the Company as to the escrow of any funds have beencomplied with except as described in the related Loan File and approved in writing by theDepositor and the Certificateholder Agent. Except for any escrowed funds depositedpursuant to the related Loan documents, no cash deposits, letters of credit, pledgedaccount, surety bonds or other cash equivalent items are held to assure compliance by anyrelated Obligor with any of its obligations in respect of the Loan. 

                   (xvi)          The Coverage Ratio relating to suchLoan is not less than 1.4:1.0.

                   (xvii)          No Obligor with respect to suchLoan is the United States of America or any state, or agency, department orinstrumentality or political subdivision of the United States of America or any State.

                   (xviii)          All requirements of any federal,state or local law (including usury, truth in lending, real estate settlement procedures,consumer credit protection, equal credit opportunity or disclosure laws) applicable to theorigination, conveyance and servicing of such Loan have been complied with.

                   (xix)          Such Loan is not and, to the bestof the Company=s knowledge, will not besubject to any right of rescission, set-off, claim, counterclaim or defense, including thedefense of usury, whether arising out of transactions concerning such Loan or otherwise;the operation of any of the terms of such Loan or the exercise by the Company or anyrelated Obligor of any right under such Loan will not render such Loan unenforceable inwhole or in part, nor subject to any claim, counterclaim, setoff, recision or defense, andno such right of rescission, set-off, claim, counterclaim 

13

or defense has been asserted with respect thereto; provided thatcertain rights or defenses may exist under applicable law which, individually or in theaggregate, do not make the remedies available to the Company and its assignees withrespect to such Loan inadequate for the practical realization of the benefits providedthereby. 

                   (xx)              Proceeds ofthe Loans may be used for acquisitions, debt refinancing, stock purchase, distribution andother legal purposes specified in the Program Guidelines or otherwise approved by theCertificateholder Agent. Except as expressly previously disclosed to the Depositor and theCertificateholder Agent, to the best of the Company=s knowledge, the proceeds of such Loan have not been and will not be usedto satisfy, in whole or in part, any debt owed or owing by any Obligor to any of itsAffiliates.

                   (xxi)              Allexisting indebtedness of the related primary Obligor of such Loan shall be repaid prior toor concurrently upon the closing of such Loan; provided that, subject to Section3.01(a) (xvi), incidental unsecured debt (including revolving credit), debt secured by,and leases of, or indebtedness relating to, vehicles and equipment consistent with theProgram Guidelines and as permitted under the related Loan documents is permitted.

                   (xxii)              There isno default, breach, violation or event of acceleration existing with respect to such Loan,and no event (other than payments due but not yet delinquent) which, with the passage oftime or with notice and the expiration of any grace or cure period, would constitute adefault, breach, violation or event of acceleration, exists with respect to such Loan. 

                   (xxiii)              Such Loanis evidenced by documents substantially in the form of the Standard Forms. The relatedNote, the related Mortgage and the other related Loan documents contain customary andenforceable provisions such as to render the rights and remedies of the holder thereofadequate for the realization against each related Obligor's interest in the related LoanCollateral. Such Loan has a stated maturity. Such Loan has scheduled monthly payments andan amortization schedule that comply with the Program Guidelines; without limiting theforegoing, the grace period with respect to any scheduled monthly payment due in respectof such Loan is not greater than five (5) days.

                   (xxiv)              To theextent such Loan is secured by a Mortgage that is a deed of trust, a trustee, dulyqualified under applicable law to serve as such, has either been properly designated andcurrently so serves or may be substituted in accordance with applicable law. Except inconnection with a trustee's sale after default by the related Obligor, no fees or expensesare payable by the Company or the Depositor to such trustee. 

                   (xxv)              Withrespect to each Loan which is secured by the interest of an Obligor as lessee under aLease, unless otherwise approved in writing by the Depositor and the CertificateholderAgent:

                       (1)              The lessor    under such Lease has agreed in such Lease or in another writing contained in the Loan    File, or the related Loan provides for the Obligor's agreement, that such Lease may not be    amended, modified, surrendered, cancelled or terminated in any manner that would be    materially adverse to the Company without the prior written consent of the Company;

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                       (2)              Such Loan    provides that the original term of the related Lease (plus all consecutive renewal terms    which may be exercised, and which under all circumstances would be enforceable, by the    Company, the Depositor and the Trustee, as appropriate) extends beyond the stated maturity    date for such Loan, unless otherwise approved in writing by the Depositor and the    Certificateholder Agent;

                       (3)              Such Lease or    related lease estoppel requires the lessor thereunder to give to the Company notice of any    default by the lessee, the opportunity to cure any such default, and the right to enter    into a new lease on substantially the same terms as the Lease following a rejection    thereof by a trustee or debtor-in-possession in any bankruptcy or insolvency proceeding or    a termination of such Lease as a result of an incurable default; and

                       (4)              Such Lease is    in full force and effect and no default has occurred under such Lease, nor is there any    existing condition which, but for the passage of time or the giving of notice, would    result in a default under the terms of such Lease.

(xxvi)                 The Company has    duly fulfilled all obligations to be fulfilled on the lender's part under or in connection    with the origination, acquisition and assignment of the Loan Assets related to such Loan,    including giving any notices or consents necessary to effect the acquisition of such Loan    Assets by the Depositor, and has done nothing to impair the rights of the Trust Estate and    the Certificateholders in such Loan. The Company has obtained all necessary licenses,    permits and charters required to be obtained by the Company, which failure to obtain would    render any material portion of the Loan documents unenforceable or would have a material    adverse effect on the Depositor or the Certificateholders.

(xxvii)                 Such Loan and the    related Loan Assets have not been sold, transferred, assigned or pledged by the Company to    any Person other than the Depositor (except for security interests in the Loan Assets    which shall be terminated on or prior to the related Cut-Off Date), and upon execution and    delivery of this Agreement by the Company and the contemporaneous repayment of the    Existing Indebtedness, the Depositor will have all of the right, title and interest in and    to the Loan Assets, free and clear of all liens and encumbrances and any interest of the    Company or its successors, except for the interests of any related Obligors in connection    with the Loan and the lien of the Trustee under the Trust Agreement. The sale to the    Depositor of the such Loan and the related Loan Assets does not violate the terms or    provisions of any loan or any other agreement to which the Company is a party or by which    it is bound.

(xviii)                 The sale,    transfer, assignment and conveyance of such Loan and the related Loan Assets by the    Company pursuant to this Agreement is not subject to and will not result in any tax, fee    or governmental charge payable by the Company to any federal, state or local government    ("Transfer Taxes") other than Transfer Taxes that have or will be paid by the    Company as due. If the Depositor receives actual notice of any Transfer Taxes arising out    of the transfer, assignment and conveyance of such Loan or the related Loan Assets, on    written demand by the Depositor, or upon the Company otherwise being given notice thereof,    then the Company shall pay, and otherwise indemnify and hold the Depositor, the Trustee    and the Trust harmless, on an after-tax basis, from 

15

and against any and all such Transfer Taxes (it being understood that    the Certificateholders, the Trustee and the Trust shall have no obligation to pay such    Transfer Taxes).

                       (xxix)              As of the    related Acquisition Date, such Loan has not been prepaid in full or in part (except for    any partial prepayment reflected in the Loan Balance as shown on the Loan Schedule).

                       (xxx) Such Loan has been originated at par (100% of the Note amount) and all fees paid to    the Company in connection with the origination of such Loan have been disclosed in the    related Loan File.

                       (xxxi) Such Loan has a final Scheduled Payment on or before the date that is six months    prior to the latest Series Termination Date. 

                       (xxxii) Such Loan has (A) an amortization schedule of not more than 216 months and    (B) a remaining term of at least 140 months and not more than 180 months.

                       (xxxiii) Except as disclosed in the Funding Report relating to such Loan, to the best of    the Company's knowledge, there is no hazardous substance, or proceeding for remediation of    any hazardous substance, affecting any Mortgaged Property related to such Loan and there    is no material violation of any environmental law, regulation or order affecting any    Mortgaged Property relating to such Loan.

                       (xxxiv) There are no delinquent property taxes or similar charges on or affecting any    Mortgaged Property relating to such Loan.

                       (xxxv) Any improvements on any Mortgaged Property relating to such Loan are in good    repair, and, to the best of the Company's knowledge, since the origination of such Loan,    the operator of such Mortgaged Property has maintained all material licenses, permits and    qualifications necessary for the operation of the Mortgaged Property, and the Company has    not received any notice of any proceeding to revoke or suspend any such license, permit or    qualification.

                       (xxxvi) Such Loan has been serviced solely by the Company or the Servicer.

                   (b)                The Company hereby makes, as of each Acquisition Date, the following representations andwarranties to the Depositor, and for the benefit of the Trustee and theCertificateholders, on which the Depositor relies in acquiring the Loan Assets and sellingthe Certificates, the Trustee relies in accepting the Trust Estate and authenticating theCertificates and the Certificateholders rely in acquiring the Certificates and makingadvances under the Transaction Documents. Such representations and warranties speak as ofeach Acquisition Date, as applicable, unless otherwise indicated, but shall survive anysubsequent transfer, assignment, contribution or conveyance of the Loans.

                       (i)              The Company    used no selection procedures that identified the Loans being acquired as being less    desirable or valuable than other comparable loans, if any, originated by the Company.

                       (ii)              The Loans    comply with the Pool Criteria.

                       (iii)              As of any    Acquisition Date on which any Substitute Loans are conveyed to the Depositor and the    Trustee: (A) the weighted average remaining term to maturity of the Loans

16

immediately after the substitution of such Substitute Loans does not    vary by more than 1.5 months shorter or longer from the weighted average remaining term to    maturity immediately prior to such substitution of Substitute Loans; (B) each Substitute    Loan has a final Scheduled Payment on or before the final scheduled maturity of all other    Loans; (C) the interest rate and prepayment premium with respect to each Substitute Loan    are not less than those on the Loan being replaced.

                       (iv)              As to any    Loans acquired on any Acquisition Date while a Swap Agreement is then in effect, the    acquisition of such Loans will not cause the weighted average interest rate on all Loans    then held in the Trust Estate (computed, prior to any default under the Swap Agreement, by    taking into account any Swap Payments anticipated to be made in respect thereof) to be    less than the weighted average interest rate then accruing on Rated Certificates then    Outstanding.

                   (c)                The Company hereby makes the following representations and warranties to the Depositor,and for the benefit of the Trustee and the Certificateholders, on which the Depositorrelies in acquiring the Loan Assets and selling the Certificates, the Trustee relies inaccepting the Trust Estate and authenticating the Certificates and the Certificateholdersrely in acquiring the Certificates and making advances under the Transaction Documents.Such representations and warranties speak as of the related Acquisition Date, unlessotherwise indicated, but shall survive any subsequent transfer, assignment, contributionor conveyance of the Loans:

                       (i)              The Company    has been duly organized and is validly existing and in good standing as a limited    liability company under the laws of its jurisdiction of organization with limited    liability company power and authority to own its properties and to transact the business    in which it is now engaged, and the Company is duly qualified to do business in and is in    good standing under the laws of each State in which any Obligor or Mortgaged Property is    located or is not required under applicable law to effect such qualification, except where    failure to so qualify would not have a material adverse effect on the ability of the    Company to perform its obligations under the Transaction Documents or under any of the    Loans.

                       (ii)              The    performance of the obligations of the Company under this Agreement and the other    Transaction Documents and the consummation of the transactions herein and therein    contemplated will not conflict with or result in any breach of any of the terms or    provisions of, or constitute with or without notice, lapse of time or both, a default    under any material indenture, agreement, mortgage, deed of trust or other instrument to    which the Company is a party or by which it is bound, or result in the creation or    imposition of any Lien (except the Lien created by the Trust Agreement) upon any of the    property or assets of the Company pursuant to the terms of such indenture, mortgage, deed    of trust, or other agreement or instrument to which the Company is a party or by which the    Company is bound or to which any of the Company's property or assets is subject, nor will    such action conflict with or result in any violation of the provisions of the Company's    certificate of formation or limited liability company operating agreement or any statute    or any order, rule or regulation of any court or any regulatory authority or other    governmental agency or body having jurisdiction over the Company or any of its properties;    and no consent, approval, authorization, order, registration or qualification of or with    or other action of any court, or any such regulatory authority or other governmental    agency or body is required for consummation of the transactions contemplated by this    Agreement and the other Transaction Documents except such consents, approvals and    authorizations that have been obtained or such registrations or qualifications that have    been made.

17

 

                       (iii)              Each of the    Transaction Documents has been duly authorized, executed and delivered by the Company by    all necessary corporate action and such agreements are the valid and legally binding    obligations of the Company, enforceable against the Company in accordance with their    respective terms, subject as to enforcement to applicable bankruptcy, insolvency,    reorganization and other similar laws of general applicability relating to or affecting    creditors' rights generally and to general principles of equity regardless of whether    enforcement is sought in a court of law or equity.

                       (iv)              The Company    Address is the chief executive office and chief place of business of the Company and the    office where the Company keeps its records concerning the Loans. 

                       (v)              The Company    does not believe, nor does it have any reasonable cause to believe, that it cannot perform    each and every covenant contained in this Agreement.

                       (vi)              The    transactions contemplated by the Transaction Documents are being consummated by the    Company in furtherance of its ordinary business purposes, with no contemplation of    insolvency and with no intent to hinder, delay or defraud any of its present or future    creditors.

                       (vii)              The    consideration received by the Company as set forth herein is fair consideration having    value reasonably equivalent to or in excess of the value of the Loan Assets and the    performance of the Company's obligations hereunder.

                       (viii)              Neither on    the date of the transactions contemplated by the Transaction Documents or immediately    before or after such transactions, nor as a result of the transactions, will the Company:

                           (1)              be insolvent        such that the sum of its debts is greater than all of its respective property, at a fair        valuation;

                           (2)              be engaged in        or about to engage in, business or a transaction for which the Company will have        unreasonably small capital or the remaining assets of the Company will be unreasonably        small in relation to its respective business or the transaction; and

                           (3)              have intended        to incur or believed it would incur, debts that would be beyond its respective ability to        pay as such debts mature or become due. The Company's assets and cash flow enable it to        meet its present obligations in the ordinary course of business as they become due.

                       (ix)                   Both immediately before and after the transactions contemplated by the Transaction    Documents: (A) the present fair salable value of the Company's assets was or will be in    excess of the amount that will be required to pay its probable liabilities as they then    exist and as they become absolute and matured; and (B) the sum of the Company's assets was    or will be greater than the sum of its debts, valuing its assets at a fair salable value.

18

 

                       (x)              The    acquisition of the Loan Assets by the Depositor pursuant to this Agreement is not subject    to the bulk transfer or any similar statutory provisions in effect in any applicable    jurisdiction.

                       (xi)              There are no    proceedings or investigations pending, or to the knowledge of the Company, threatened,    against or affecting the Company in or before any court, governmental authority or agency    or arbitration board or tribunal which, individually or in the aggregate, if determined    adversely to the Company, would materially and adversely affect the ability of the Company    to perform its obligations under, or the validity or enforceability of, any of the    Transaction Documents. The Company is not in default with respect to any order of any    court, governmental authority or agency or arbitration board or tribunal.

                       (xii)              All tax    returns or extensions required to be filed by the Company in any jurisdiction have in fact    been filed, and all taxes, assessments, fees and other governmental charges upon the    Company, or upon any of the respective properties, income or franchises of the Company,    shown to be due and payable on such returns have been, or will be, paid when due. To the    best of the Company's knowledge, all such tax returns are true and correct and the Company    has no knowledge of any proposed additional tax assessment against it in any material    amount nor of any basis therefor. The provisions for taxes on the books of the Company are    in accordance with generally accepted accounting principles.

                       (xiii)              The    Company (A) is not in violation of any laws, ordinances, governmental rules or regulations    to which it is subject, (B) has not failed to obtain any licenses, permits, franchises or    other governmental authorizations necessary to the ownership of its property or to the    conduct of its business, and (C) is not in violation in any material respect of any term    of any agreement, charter instrument, bylaw or instrument to which it is a party or by    which it may be bound which violation or failure to obtain would materially and adversely    affect the ability of the Company to perform its obligations under, or the validity or    enforceability of, any of the Transaction Documents.

                       (xiv)              It is the    intention of the Company that the Loan Assets be acquired by the Depositor and that the    beneficial interest in and title to the Loan Assets not be part of the Company's estate in    the event of the filing of a bankruptcy petition by or against the Company under any    bankruptcy law.

                       (xv)              As of the    Initial Delivery Date and after giving effect to the transactions contemplated hereby to    be consummated on the Initial Delivery Date, the Company is and will be the registered    owner of all of the issued and outstanding common stock of the Depositor, all of which    Common Stock is validly issued, fully paid and nonassessable. 

                       (xvi)              The present    value of all benefits vested under all "employee pension benefit plans," as such    term is defined in Section 3 of ERISA, maintained by the Company, or in which    employees of the Company are entitled to participate, as from time to time in effect    (collectively, the "Pension Plans"), does not exceed the value of the assets of    the Pension Plans allocable to such vested benefits (based on the value of such assets as    of December 31, 1997, the last annual valuation date). No prohibited transactions,    accumulated funding deficiencies, withdrawals or reportable events have occurred with    respect to any Pension Plans that, in the aggregate, could subject the Company to any    material tax, penalty or other liability. No notice of intent to terminate a Pension Plan    has been filed, nor has any Pension Plan been terminated under Section 4041(f) of ERISA,    nor has the 

19

Pension Benefit Guaranty Corporation instituted proceedings to    terminate, or appoint a trustee to administer, a Pension Plan and no event has occurred or    condition exists which might constitute grounds under Section 4042 of ERISA for the    termination of, or the appointment of a trustee to administer, any Pension Plan.

                       (xvii)              There has    been no material adverse change in the financial condition of the Company since April 28,    1998 and all information concerning the Company and its Affiliates furnished by the    Company to the Depositor, the Certificateholder Agent, any Certificateholder, the Trustee    or the Rating Agency prior to such Acquisition Date in connection with the Transaction    Documents or any transaction contemplated thereby was true and accurate in all material    respects or based on reasonable estimates (but, if based on estimates, shall be identified    as so based) on the date as of which such information is stated or certified, as    applicable, and no such information contains any untrue statement of a material fact or    omits to state a material fact necessary in order to make the statements contained herein    or therein, in light of the circumstances under which such statements were made and taken    as a whole, not misleading; provided that, to the extent that the representations    and warranties of the Company contained in this clause (xvii) relate to any such    information that was not prepared by the Company or any of its Affiliates, then such    representations and warranties are made by the Company solely to the best of its    knowledge. As used in this clause, "information" does not include casual oral    conversations or informal oral statements of opinions on which it would be unreasonable to    rely.

Notwithstanding that any representation or warranty set forth in thisSection 3.01 is made to the best of the Company's knowledge (or to the best of theDepositor's knowledge as such representation or warranty is applied to the Depositor underthe terms of the Trust Agreement), in the event any such representation or warranty isfound to be untrue or incorrect, the repurchase and substitution provisions of Sections3.03 and 3.04 shall apply as if such representation or warranty was not conditioned on theCompany's (or the Depositor's) knowledge.
**Section 3.02                 Representations    and Warranties of the Depositor.**
                   The Depositor hereby makes the following representations and warranties to the Company,and for the benefit of the Trustee and the Certificateholders, on which the Company reliesin entering into this Agreement with the Depositor the Trustee relies in accepting theTrust Estate and authenticating the Certificates and the Certificateholders rely inacquiring the Certificates and making Fundings. The Company agrees that any breach by theDepositor of any such representations and warranties shall not limit or excuse the fullperformance of the Company's obligations hereunder. Unless otherwise indicated, suchrepresentations and warranties speak as of the Initial Delivery Date and each AcquisitionDate, but such representations and warranties shall survive any subsequent transfer,assignment, contribution or conveyance of the Loan Assets:

                   (a)              The Depositorhas been duly organized and is validly existing in good standing as a corporation underthe laws of the State of Delaware, with corporate power and authority to own itsproperties, perform its obligations under the Transaction Documents and to transact thebusiness in which it is now engaged or in which it proposes to engage; the Depositor isduly qualified to do business and is in good standing in each State in which the nature ofits business requires it to be so qualified, except where failure to so qualify would nothave a material adverse effect on the ability of the Depositor to perform its obligationsunder the Transaction Documents.

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                   (b)              Theperformance of the obligations of the Depositor under this Agreement and the otherTransaction Documents and the consummation of the transactions herein and thereincontemplated will not conflict with or result in any breach of any of the terms orprovisions of, or constitute with or without notice, lapse of time or both, a defaultunder any indenture, agreement, mortgage, deed of trust or other instrument to which theDepositor is a party or by which it is bound, or result in the creation or imposition ofany Lien (except the Lien created by the Trust Agreement) upon any of the property orassets of the Depositor pursuant to the terms of such indenture, mortgage, deed of trust,or other agreement or instrument to which the Depositor is a party or by which theDepositor is bound or to which any of the Depositor's property or assets is subject, norwill such action conflict with or result in any violation of the provisions of theDepositor's certificate of incorporation or bylaws or any statute or any order, rule orregulation of any court or any regulatory authority or other governmental agency or bodyhaving jurisdiction over the Depositor or any of its properties; and no consent, approval,authorization, order, registration or qualification of or with or other action of anycourt, or any such regulatory authority or other governmental agency or body is requiredfor consummation of the transactions contemplated by this Agreement and the otherTransaction Documents except such consents, approvals and authorizations that have beenobtained or such registrations or qualifications that have been made.

                (c)                The Transaction Documents have been duly authorized, executed and delivered by theDepositor by all necessary corporate action and constitute valid and legally bindingobligations of the Depositor, enforceable against the Depositor in accordance with theirterms, except that such enforcement may be subject to bankruptcy, insolvency,reorganization and other similar laws of general applicability relating to or affectingcreditors' rights generally and to general principles of equity regardless of whetherenforcement is sought in a court of equity or law.

               (d)                There are no proceedings or investigations to which the Depositor is a party pending, or,to the knowledge of the Depositor, threatened, before any court, regulatory body,administrative agency or other tribunal or governmental instrumentality (i) asserting theinvalidity of any Transaction Document, (ii) seeking to prevent the issuance of theCertificates or the consummation of any of the transactions contemplated by any of theTransaction Documents, or (iii) seeking any determination or ruling that would materiallyand adversely affect the performance by the Depositor of its obligations under, or thevalidity or enforceability of, any of the Transactions Documents.

              (e)                    All approvals, authorizations, consents, orders or other actions of any Person or of anycourt, governmental agency or body or official, required in connection with the executionand delivery of this Agreement have been or will be taken or obtained on or prior to theInitial Delivery Date.

              (f)                    The Depositor Address is the principal place of business and chief executive office of theDepositor.

               (g)                    All tax returns or extensions required to be filed by the Depositor in any jurisdictionhave in fact been filed, and all taxes, assessments, fees and other governmental chargesupon the Depositor, or upon any of the respective properties, income or franchises ofthe Depositor, shown to be due and payable on such returns have been, or will be, paidwhen due. To the best of the Depositor's knowledge, all such tax returns are true andcorrect and the Depositor has no knowledge of any proposed additional tax assessmentagainst it in any material amount nor of any basis therefor. The provisions for taxes onthe books of the Depositor are in accordance with generally accepted accountingprinciples.

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               (h)                    The Depositor (i) is not in violation of any laws, ordinances, governmental rules orregulations to which it is subject, (ii) has not failed to obtain any licenses, permits,franchises or other governmental authorizations necessary to the ownership of its propertyor to the conduct of its business, and (iii) is not in violation in any material respectof any term of any agreement, charter instrument, bylaw or instrument to which it is aparty or by which it may be bound which violation or failure to obtain would materiallyand adversely affect the ability of the Depositor to perform its obligations under, or thevalidity or enforceability of, any of the Transaction Documents.
**    Section 3.03               Substitution or  Repurchase of Loans.**
             If (a) the Company, the Depositor, the Trustee, the Servicer or the Special Servicerdiscovers or are notified of (i) the breach of any representations or warranties set forthin Sections 3.01 or 3.02 that materially and adversely affects the value of a Loan, aninterest (of the Company, the Depositor or the Trustee) in the related Loan Collateral, orthe interests of the Certificateholders, or (ii) the breach of any of the representationsand warranties set forth in Sections 3.01(a)(ii), 3.01(a)(v), 3.01(a)(viii) or3.01(a)(xxvii), or (b) the Company or the Depositor discovers or is notified of theoccurrence of any missing or defective document as specified in Section 2.06, then theparty discovering such breach or condition shall give prompt written notice to the otherparties and to the Trustee, the Certificateholder Agent and each Certificateholder and, inthe case of clause (a) of this Section, the Company shall, within thirty (30) days fromthe date the Company was notified of or otherwise discovers such breach, cure such breach,and in the case of clause (b) of this Section, the Company shall, within forty-five (45)days from the date the Company was notified of or otherwise discovers such breach, curesuch breach. If in the case of either clause (a) or (b) of this Section, the Company failsto cure such breach in the applicable time period or the Company or the Special Serviceris unable to cure such circumstance or condition, then at the expiration of the applicablecure period the Company shall either (A) purchase such Loan and the security interest inthe related Loan Collateral at the Repurchase Price or (B) provide a Substitute Loan(together with a Company Certificate) and remit the applicable Repurchase Price, if any,to the Collection Account. The Repurchase Price for a repurchased Loan and, if any, for aSubstitute Loan shall be paid and any Substitute Loan shall be delivered, by the Companyto the Collection Account in accordance with Section 3.04. It is understood and agreedthat the obligation of the Company to cure or purchase or substitute any Loan as to whichsuch a breach has occurred shall constitute the sole remedy respecting such breachavailable to the Depositor, the Certificateholders or the Trustee on behalf of suchCertificateholders (except for any indemnities provided under Section 4.01(j) or under theTrust Agreement) for any losses, claims, damages and liabilities arising from theDepositor's ownership of such Loan or the inclusion of such Loan in the Trust Estate.
**    Section 3.04               Requirements for  Purchase or Substitution of Loans.**
            (a)                    If the Company purchases any Loan under Sections 2.06 or 3.03, or if the Depositor removesany Loan under Section 3.04 of the Trust Agreement, such Loan shall be purchased by theCompany or removed by the Depositor, as applicable, at the Repurchase Price. All purchasesand removals shall be accomplished at the times specified in subsection (c) below.

            (b)                    If the Company substitutes for any Loan under Section 2.06 or 3.03, or if the Depositorsubstitutes any Loan under Section 3.04 of the Trust Agreement (a "SubstituteLoan"), each such Substitute Loan shall (i) be an Eligible Loan, (ii) be written onone of the Standard Forms, (iii) be accompanied by (A) a Company Certificate subjectingsuch Loan to the provisions hereof and providing with respect to such Substitute Loan therelated Loan Schedule and (B) evidence of all required UCC filings and other actionsrequired under the Transaction Documents to perfect the interests of the Depositor and theTrustee in such 

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Substitute Loan and the related Loan Assets, and (iv) not have beenselected using any other procedures that identified the Loan as being less desirable orvaluable than other comparable loans owned by the Company. Upon the substitution of anySubstitute Loan pursuant to the provisions of this Section 3.04(b): (y) such SubstituteLoan will be subject to all the terms and provisions of this Agreement, the ServicingAgreement and the Trust Agreement (including the applicability and accuracy of all of therepresentations and warranties set forth in Sections 3.01(a) and 3.01(b) as of the date ofsubstitution) just as if such Substitute Loan had been one of the original Loans acquiredon the Initial Delivery Date; and (z) the Depositor and the Company shall also comply withthe provisions and limitations set forth in the Trust Agreement. All substitutions shallbe accomplished at the time specified in subsection (c) below.

            (c)                    Any purchase or substitution of a Loan by the Company in accordance with Sections 2.06,3.03 or this Section 3.04 shall be made by remittance of the Repurchase Price directly tothe Collection Account or by substitution of a Substitute Loan and remittance of theapplicable Repurchase Price, if any, directly to the Collection Account, on or priorto the Determination Date next following the expiration of the cure period set forth inSections 2.06 or 3.03, as applicable. In addition, the Trustee shall release the relatedLoan in accordance with Section 3.05 of the Trust Agreement, and the Special Servicershall no longer hold the copy of the related Loan File in its capacity as the SpecialServicer in accordance with the provisions of the Servicing Agreement.

            (d)                    Any voluntary purchase or substitution of a Loan by the Depositor pursuant to the terms ofthe Trust Agreement in the event of a prepayment, default or delinquency with respect tosuch Loan shall satisfy the same requirements for a purchase or substitution, as the casemay be, as are set forth in this Section 3.04.

 

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** 

 

ARTICLE FOUR

COVENANTS OF THE COMPANY

Section 4.01 The Company Covenants.**
                   The Company hereby covenants and agrees with the Depositor and for the benefit of theTrustee and the Certificateholders as follows:

                   (a)                    Except as hereinafter provided, the Company will keep in full effect its existence, rightsand franchises as a limited liability company and will obtain and preserve itsqualification to do business as a foreign limited liability company in each jurisdictionin which such qualification is or shall be necessary to protect the validity andenforceability of the Transaction Documents or any of the Loans and to perform its dutieshereunder. The Company may not merge or consolidate with, or sell all or substantially allof its assets to, any other Person unless: (i) immediately after giving effect to suchtransaction, no representation or warranty made pursuant to Section 3.01(c) shall havebeen breached and no Default would occur as a result thereof, (ii) such intended successorexecutes an agreement or assumption, in form reasonably satisfactory to the Trustee, toperform every obligation under each of the Transaction Documents to which it is to be aparty, (iii) such intended successor has a net worth that is sufficient to perform inaccordance with the Transaction Documents to which it is to be a party and at leastapproximately equivalent to the net worth of the Company immediately prior to suchintended sale, merger or consolidation, (iv) the Company shall have delivered priorwritten notice to the Certificateholder Agent, the Certificateholders and the Trustee andshall have delivered to the Depositor, the Certificateholder Agent, the Certificateholdersand the Trustee an Officer=s Certificate of the Company and an Opinion of Counsel each stating that suchintended consolidation, merger, or succession and such agreement of assumption complieswith this Section 4.01 and that all conditions precedent, if any, provided for in thisAgreement relating to such transaction have been complied with, and (v) the Company shallhave delivered to the Depositor, the Certificateholder Agent, the Certificateholders andthe Trustee an Opinion of Counsel either (A) stating that, in the opinion of such Counsel,all financing statements, continuation statements and amendments thereto have beenexecuted and filed and, if applicable, all other actions have been taken, to preservefully the interest of the Depositor in the Loans and the Loan Assets and reciting thedetails of such filings and, if applicable, such actions, or (B) stating that, in theopinion of such counsel, no such action shall be necessary to preserve and protect suchinterest; whereupon such Person, upon consummation of such transaction shall become thesuccessor of the Company hereunder, without the execution or filing of any paper or anyfurther act on the part of any of the parties hereto.
                   (b)                    Neither the Company nor any of the directors, officers, employees or agents of the Companyshall be under any liability to the Depositor, the Trustee or the Certificateholders fortaking any action, or for refraining to take any action, in good faith pursuant to thisAgreement or for errors in judgment unless such action or inaction involves recklessnessor negligence; provided that this provision shall not protect the Company againstany breach of warranties or representations made herein, any failure to perform itsobligations in strict compliance with this Agreement, or any liability which wouldotherwise be imposed by reason of any breach of the terms and conditions of thisAgreement. The Company, and any director, officer, employee or agent of the Company, mayrely in good faith on any document of any kind prima facie properly executed and submittedby any Person respecting any matters arising hereunder. The Company shall not be under anyobligation to appear in, prosecute, or defend any legal action that is not incidental toits obligations as the contributor of the Loan Assets hereunder and that in its opinionmay involve it incurring any expense or liability.

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                   (c)                    The Company, from time to time, at its own expense, shall execute and file such additionalfinancing statements (including continuation statements) and take such other actions asmay be necessary to preserve the security interests and liens described in Section3.01(a)(ix) as may be reasonably requested by the Depositor or the Trustee and arereasonably satisfactory in form and substance to the Trustee.

                   (d)                    The Company will not change its name, identity or corporate structure in any manner thatwould, could, or might make any financing statement or continuation statement misleadingwithin the meaning of Section 9-402(7) of the UCC, unless it shall have given theDepositor, the Certificateholder Agent and the Trustee at least thirty (30) days priorwritten notice thereof and shall have provided evidence of appropriate UCC filings.

                   (e)                    The Company will give the Depositor, the Certificateholder Agent and the Trustee at leastthirty (30) days prior written notice of any relocation of its principal executiveoffice and, if, as a result of such relocation, the applicable provisions of the UCC wouldrequire the filing of any amendment of any previously filed financing or continuationstatement or of any new financing statement and the Company, the Company shall provideevidence of appropriate UCC filings.

                   (f)                    The Company will duly fulfill all obligations on its part to be fulfilled under or inconnection with each Loan, will not change or modify the terms of the Loans except asexpressly permitted by the terms of the Transaction Documents and will do nothing toimpair the rights of the Depositor or the Trustee in the Loans or the Loan Collateral. If,for any reason, the rights of the Company under any Loan (including under any guaranty ofthe related Obligor's obligations under any Loan) are not assignable or have, in fact, notbeen assigned to the Depositor or to the Trustee, then the Company will enforce suchrights on behalf of the Depositor and the Trustee.

                   (g)                    The Company will comply, in all material respects, with all acts, rules, regulations,orders, decrees and directions of any governmental authority applicable to the Loan Assetsor any part thereof; provided that the Company may contest any act, regulation,order, decree or direction in any reasonable manner which shall not materially andadversely affect the rights of the Depositor or the Trustee in the Loan Assets.

                   (h)                    The Company will advise the Depositor, the Certificateholders and the Trustee promptly, inreasonable detail, of the occurrence of any breach by the Company, following discovery bythe Company of such breach, of any of its representations, warranties or covenantscontained herein. 

                   (i)                    The Company will execute or endorse, acknowledge, and deliver to the Depositor, theCertificateholders and the Trustee from time to time such schedules, confirmatoryassignments, conveyances, powers of attorney, and other reassurances or instruments andtake such further similar actions relating to the Loans and the rights covered by theTransaction Documents, as the Depositor or the Trustee may reasonably request to preserveand maintain title to the Loan Assets and the rights of the Trustee and theCertificateholders therein against the claims of all Persons.

                   (j)                    The Company agrees to indemnify, defend and hold the Depositor, the Trustee and theCertificateholders harmless from and against any loss, liability, damage, judgment, claim,deficiency or expense (including interest, penalties, reasonable attorney's fees andamounts paid in settlement) that is caused by (i) a breach at any time by the Company ofits representations, warranties and covenants contained in Section 3.01 or this Section4.01 or (ii) any material information furnished by the Company that is set forth in anyschedule delivered hereunder, being untrue in any respect when any such representation was

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made or schedule delivered; provided that the Company shall nothave any liability with respect to a representation or warranty as to any specific Loanother than to purchase such Loan or substitute for such Loan in accordance with Sections3.03 and 3.04 unless such breach of representation or warranty is the result of theCompany's fraud, gross negligence, bad faith or willful misconduct. The Company shall alsoindemnify the Depositor, the Trustee and the Certificateholders for any costs or expensesincurred by them in the enforcement of this Agreement or as a result of the Company'sfailure to perform its obligations hereunder. The obligations of the Company under thisSection 4.01(j) shall be considered to have been relied upon by the Depositor, the Trusteeand the Certificateholders and shall survive the execution, delivery and performance ofthis Agreement, regardless of any investigation made by or on behalf of the Depositor, theTrustee, the Certificateholder Agent or any Certificateholder until termination of theTrust Agreement. If the Company has made any indemnity payments pursuant to this Section4.01(j) and thereafter any Person recovers the amount of the related loss or any portionthereof from others, such Person will promptly repay the amount recovered to the Company,without interest.    

                   (k)                    The Company will not do anything to disturb or impair the acquisition of the Loan Assetsby the Depositor hereunder.

                   (l)                    The Company (i) will (A) maintain its books and records separate from the books andrecords of the Depositor and (B) maintain bank accounts separate from those of theDepositor and (C) maintain one (1) independent director on the Depositor's board ofdirectors, so long as the Company is a shareholder of the Depositor and (ii) will not, andwill not in any manner encourage any other Person to, (A) take any action that would causethe dissolution or liquidation of the Depositor, (B) guarantee (directly or indirectly),endorse or otherwise become contingently liable (directly or indirectly) for theobligations of the Depositor, or (C) institute against the Depositor, or join any otherPerson in instituting against the Depositor, any case, proceeding or other action underany existing or future bankruptcy, insolvency or similar laws. This Section 4.01(l) shallsurvive termination of this Agreement.

                   (m)                    The Company shall notify the Depositor, the Trustee, the Certificateholder Agent and eachCertificateholder promptly after becoming aware of any Lien (other than a Permitted LoanCollateral Lien) on any Loan Asset.

                   (n)                    On each date as of which the Company substitutes a Substitute Loan or Substitute Loans inaccordance with Sections 2.06 or 3.04(b), the Company shall provide to the Depositor (witha copy thereof to the Trustee, the Certificateholder Agent and each Certificateholder) aCompany Certificate with respect to such Substitute Loan(s), subjecting such Loan(s) andthe related Loan Assets to the provisions hereof and providing with respect to suchLoan(s) the information required in the related amended Loan Schedule.

                   (o)                    The annual financial statements of the Company will reflect the effects of thetransactions contemplated by the Transaction Documents as a sale by the Company and a saleby the Depositor in accordance with generally accepted accounting principles. Thefinancial statements of the Company and the Depositor will also reflect that the assets ofthe Depositor are not available to pay creditors of the Company. The resolutions,agreements and other instruments underlying the Transaction Documents will be continuouslymaintained by the Company as official records.

                   (p)                    The Company, in its capacity as the Special Servicer, will, at its own cost and expense,(i) retain on its Electronic Records a master record of the Loans for the benefit of theDepositor, the Trustee and other Persons, if any, with interests in the Loans and (ii)mark its Electronic Records and all other records 

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to the effect that the Loan Assets have been acquired by the Depositorand that they have been transferred and assigned to the Trustee pursuant to the TrustAgreement.

                   (q)                    Except as otherwise agreed to in advance in writing by the Controlling Holders, theCompany will at all times own one hundred percent (100%) of the Common Stock and will notpledge the Common Stock as security. If (with such agreement of the Controlling Holders)the Company elects to transfer the Common Stock to an affiliate or pledge a securityinterest in the Common Stock, then, as a condition to such sale or pledge, the Companyshall, on behalf of the Depositor, obtain an agreement from the transferee or the securedparty that it will take no action that would cause the Depositor to breach any of itscovenants under any Transaction Document, and that for so long as the Trust Agreement isin effect and for one year and one day thereafter, it will not file any involuntarypetition or otherwise institute any bankruptcy, reorganization, insolvency or liquidationproceeding or other proceeding under any federal or state bankruptcy or similar lawagainst the Depositor and it will comply with the Depositor's certificate of incorporationand the covenants of the Depositor set forth in the Transaction Documents. Subject to theforegoing limitation, the parties acknowledge and agree that the Company may in the futuretransfer the Common Stock to a direct or indirect wholly owned subsidiary of the Company,which subsidiary may pledge the Common Stock to or for the benefit of one or more lendersor purchasers of its Certificates or other obligations.

                   (r)                    If the Company desires to amend or otherwise revise the Program Guidelines, then theCompany shall first deliver to the Depositor, the Trustee, the Certificateholder Agent andthe Rating Agency the final version of the proposed amendments or other proposed revisionsto the Program Guidelines (in each instance and as so proposed, the "ProposedRevision"). Within thirty (30) days following its receipt of any Proposed Revision,each of the Depositor, the Rating Agency and the Certificateholder Agent shall deliver tothe Company written notice indicating whether the Depositor, the Rating Agency and theCertificateholder Agent deem the Proposed Revision acceptable or not acceptable; providedthat the failure of the Depositor, the Rating Agency or the Certificateholder Agent toprovide such a written notice to the Company within such time period shall be deemed toconstitute rejection of such Proposed Revision. 
**Section 4.02                            Depositor Covenants.**
                   The Depositor hereby covenants and agrees with the Company and for the benefit of theTrustee and the Certificateholders as follows:

                   (a)                    If in any enforcement suit or legal proceeding it is held that the Company may not enforcea Loan on the ground that it is not a real party in interest or holder entitled to enforcethe Loan, the Depositor shall, at the Depositor's expense, take such steps as theDepositor deems necessary to enforce the Loan, including bringing suit in the Depositor'sname.

                   (b)                    The Depositor warrants that it will own and possess a first priority security interest inthe Loan Collateral (subject only to Permitted Loan Collateral Liens) upon its acquisitionof the Loan Assets and that it will warrant and defend its interest in the Loan Collateralagainst all Persons, claims and demands whatsoever. The Depositor shall not assign, sell,pledge, or exchange, or in any way encumber or otherwise dispose of its interest in theLoan Assets, except as permitted under the Trust Agreement.

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**Section 4.03                            Assignment of Loan Assets.**
                       The Company understands that the Depositor will convey and assign to the Trustee all ofits right, title and interest in and to this Agreement and the Loan Assets. The Companyconsents to such assignment and grants and further agrees that all representations,warranties, covenants and agreements of the Company made herein shall also be for thebenefit of and inure to the Trustee and all Certificateholders.

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**ARTICLE FIVE

CONDITIONS

Section 5.01                            Conditions to the Depositor's Obligations.**
                   The obligations of the Depositor to provide the Company with the consideration providedfor herein, and of the Certificateholders to make Fundings on any Funding Date, shall besubject to the satisfaction of the following conditions:

                   (a)                    On or before the Initial Delivery Date, the Depositor, the Servicer, the Special Servicer,the Servicing Advisor and the Trustee shall have entered into the Trust Agreement and theServicing Agreement (to the extent they are parties thereto);

                   (b)                    On the Initial Delivery Date, the Certificates to be sold on such Date shall have beenissued and sold and the Depositor shall have received the full consideration due it uponthe issuance of such Certificates.

                   (c)                    No Default (other than a Servicing Advisor Default), Depositor Event of Default, ServicerEvent of Default, Special Servicer Event of Default or Servicing Advisor Event of Defaultshall have occurred and be continuing;

                   (d)                    The Company shall have delivered all other information previously required or reasonablyrequested by the Depositor, the Trustee or the Certificateholder Agent to be delivered bythe Company hereunder, duly certified by an officer of the Company, shall have compliedwith Section 2.04 and shall have substantially performed all other obligations required tobe performed by it pursuant to the terms of the Transaction Documents;

                   (e)                    All representations and warranties of the Company contained in Sections 3.01(a) and (b)and all information provided in any Loan Schedule (including any related Funding Reportand Pending Credit Schedule), as applicable, shall be true and correct on the relevantAcquisition Date, all representations and warranties in Sections 3.01(c) shall be true andcorrect as of each Acquisition Date, and the Company shall have delivered to the Depositorand the Trustee an Officer's Certificate to such effect;

                   (f)                    Within two (2) Business Days of each Acquisition Date, as applicable, the Company shallhave delivered, or cause to have been delivered, to the Trustee, in the mannercontemplated by Section 3.01(a)(iii), the original manually executed Note relating to theLoans being acquired, all other original documents evidencing such Loans (except asotherwise contemplated by Section 3.01(a)(iii)), and the other items comprising the LoansFiles relating to such Loans, and there shall have been made all filings, recordings orregistrations, and there shall have been given or taken any notice or any other action, asapplicable, as may be necessary in the reasonable opinion of the Depositor, the Trusteeand the Certificateholder Agent, in order to establish and preserve the right, title andinterest of the Depositor and the Trustee in the Loan Assets;

                   (g)                    On or prior to the second Business Day following delivery of each of the documentsspecified in Section 3.01(a)(iii), the Servicer and the Special Servicer shall havereceived a copy of such documents; and 

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                   (h)                    On or before the Initial Delivery Date, the Depositor, the Servicer, the Special Servicer,the Servicing Advisor and the Trustee shall have entered into the Trust Agreement and theServicing Agreement (to the extent they are parties thereto).
**Section 5.02                        Conditions to the Company's Obligations.**
                   The obligations of the Company to enter into this Agreement on the Initial Delivery Dateshall be subject to the satisfaction of the following conditions:

                   (a)                    On or before the Initial Delivery Date, the Depositor, the Servicer, the Special Servicer,the Servicing Advisor and the Trustee shall have entered into the Trust Agreement and theServicing Agreement;

                   (b)                    On the Initial Delivery Date, the Certificates shall have been issued and sold and theDepositor shall have received the full consideration due it upon the issuance of suchCertificates; and

                   (c)                    The consideration set forth herein shall have been paid or delivered to the Companysimultaneously with the execution of this Agreement.

 

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**ARTICLE SIX

TERM AND TERMINATION

Section 6.01                            Term.**
                   This Agreement shall commence as of the date of execution and delivery hereof and shallcontinue in full force and effect until the later of (a) the final payment with respect tothe last Loan Asset and (b) termination of the Trust Agreement; provided that anyobligations of the Depositor with respect to the acquisition of any Loans from and afterthe Initial Delivery Date shall terminate upon the occurrence of a Funding TerminationEvent.
**Section 6.02                            Default by the Company.**
                   If the Company shall be in default under this Agreement and such default shall not havebeen cured for a period of thirty (30) days, or if the Company shall become insolvent ormake an assignment for the benefit of its creditors or have a receiver appointed for allor substantially all of its properties, or if any proceedings are commenced, or consentedto, by the Company or are not stayed or dismissed within sixty (60) days after beingcommenced against the Company under any bankruptcy, insolvency or other law for the reliefof debtors, then the Depositor shall have the right, with the prior written consent of theTrustee, in addition to any other rights it may have under any applicable law, toterminate its obligations under this Agreement upon thirty (30) days prior written noticeto the Company; provided that any termination of this Agreement pursuant to thisSection 6.02 shall not release the Company from any obligation under this Agreement.

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**ARTICLE SEVEN**
**GENERAL PROVISIONS
Section 7.01                            Amendments.**
                   This Agreement and the rights and obligations of the parties hereunder may not be changedorally but only by an instrument in writing signed by the party against whom enforcementis sought together with the prior written consent of the Holders of not less than 51% ofthe Outstanding Principal Amount of each affected Class (or, with respect to any affectedClass during the Funding Period applicable to such Class, of not less than 51% of theMaximum Series Amount of such Class) of Rated Certificates. Promptly after the executionof any amendment, the Depositor shall send to the Trustee, each Certificateholder, theCertificateholder Agent and each Rating Agency a conformed copy of each such amendment.
**Section 7.02                            Governing Law.**
                   This Agreement shall be construed in accordance with the internal laws of the State of NewYork.
**Section 7.03                            Notices.**
                   All demands, notices and communications hereunder shall be made in accordance with theprovisions of the Trust Agreement and shall be addressed, in the case of the Company, tothe Company Address, in the case of the Depositor, to the Depositor Address, and in thecase of any Certificateholders, to their address set forth on the Certificate Register.All demands, notices and communications made in accordance with the provisions hereofshall be deemed to have been received or made (as applicable) as provided in the TrustAgreement. Any Person may change the address for notices hereunder by giving notice ofsuch change to the other Person (or in the case of a Certificateholder, by causing theTrustee to change its address as provided on the Certificate Register).
**Section 7.04                            Separability Clause.**
                   Any provisions of this Agreement which are prohibited or unenforceable in any jurisdictionshall, as to such jurisdiction, be ineffective to the extent of such prohibition orunenforceability without invalidating the remaining provisions hereof, and any suchprohibition or unenforceability in any jurisdiction shall not invalidate or renderunenforceable such provision in any other jurisdiction.
**Section 7.05                            Assignment.**
                   Except as provided in Section 4.01(a), this Agreement may not be assigned or delegated bythe Company without the prior written consent of the Depositor and the Trustee and may notbe assigned or delegated by the Depositor without the prior written consent of theTrustee.
**Section 7.06                            Further Assurances.**
                   Each of the Company and the Depositor agrees to do such further acts and things and toexecute and deliver to the Trustee such additional assignments, agreements, powers andinstruments as are required by the Trustee to carry into effect the purposes of thisAgreement or to better assure and confirm unto the Trustee or the Certificateholders theirrights, powers or remedies hereunder. If any Obligor shall be in 

32

default under any Loan, upon reasonable request from the SpecialServicer or the Trustee, the Company will take all reasonable steps to assist in enforcingsuch Loan and preserving and maintaining title to the Loan Assets and the rights of theTrustee and the Certificateholders therein against the claims of all persons and partiesto the extent the Company is capable of performing such requested steps and the SpecialServicer or the Trustee reasonably determines that the assistance of the Company isnecessary to effect the intent and purposes hereof.
**Section 7.07                            No Waivers; Cumulative Remedies.**
                   No failure to exercise and no delay in exercising, on the part of the Depositor, theCompany, the Trustee or any other Person, any right, remedy, power or privilege hereundershall operate as a waiver thereof nor shall any single or partial exercise of any right,remedy, or privilege hereunder preclude any other or further exercise hereof or theexercise of any other right, remedy, power or privilege. The rights, remedies, powers andprivileges herein provided are cumulative and not exhaustive of any rights, remedies,powers and privilege provided by law.
**Section 7.08                            Binding Effect; Third Party Beneficiaries.**
                   This Agreement will inure to the benefit of and be binding upon the parties hereto andshall inure to the benefit of the Trustee and the Certificateholders, and their respectivesuccessors and permitted assigns, as express third party beneficiaries.
**Section 7.09                            Set-Off.**
                   (a)                    The Company hereby irrevocably and unconditionally waives all right of set-off that it mayhave under contract (including this Agreement), applicable law or otherwise with respectto any funds or monies of the Depositor, the Trustee, each Certificateholder, theCertificateholder Agent, the Servicer, the Special Servicer or the Servicing Advisor atany time held by or in the possession of the Company.

                   (b)                    Each of the Depositor, the Trustee, the Certificateholders and the Certificateholder Agentshall have the right to set-off against the Company any amounts to which the Company maybe entitled and to apply such amounts to any claims the Depositor, the Trustee, anyCertificateholder or the Certificateholder Agent may have against the Company from time totime under this Agreement. Upon any such set-off, the Person exercising such right shallgive notice of the amount thereof and the reasons therefor. 

33

 

                   IN WITNESS WHEREOF, the Company and the Depositor have caused this Agreement to be dulyexecuted by their respective officers thereunto duly authorized as of the date firstwritten above.

 

 

 

ALLEGIANCE CAPITAL, LLC,      CompanyBy:             /s/ Alan B. PerperName:    Alan B. PerperTitle:           President
 

 

 

ALLEGIANCE FUNDING CORP. 1,      DepositorBy:             /s/ Alan B. PerperName:    Alan B. PerperTitle:           President
 

 

 
**EXHIBIT Ato Loan Acquisition Agreement

COMPANY CERTIFICATE

 

_______________, 19__

 **
                   Pursuant to Section 2.01 of that certain Loan Acquisition Agreement, dated as of August 1,1998 (as amended or modified from time to time in accordance with the terms thereof, the"Loan Acquisition Agreement"), between Allegiance Capital, LLC (the"Company") and Allegiance Funding Corp. I (the "Depositor"), attachedhereto as Schedule A is a Loan Schedule related to the requested Funding that includesinformation regarding the Loan Assets that are hereby sold, transferred, contributed,assigned, set over and otherwise conveyed by the Company to the Depositor in accordancewith the Loan Acquisition Agreement. Each capitalized term used herein that is nototherwise defined herein has the meaning assigned thereto in the Loan AcquisitionAgreement. 

 

 

ALLEGIANCE CAPITAL, LLC,      CompanyBy:             Name:    Title:      
 

ALLEGIANCE FUNDING CORP. I,    DepositorBy:             Name:    Title:      
 

A-1

 

**Schedule A toCompany Certificate**

 

Loan Schedule

 

 
**EXHIBIT B

to Loan Acquisition Agreement**
 
**LOAN FUNDING CHECKLIST**
**CREDIT AGREEMENT**
Dated as of [__________ __, ____] 
**between

[______________________________],

as Borrower

and

**ALLEGIANCE CAPITAL, LLC,**
as Lender

 

                   The following is a list of closing documents in connection with the Credit Agreement,dated as of [______________ __, ____] (the "Credit Agreement"), between[_______________], a [_________] (the "Borrower"), and Allegiance Capital, LLC,a Delaware limited liability company, as lender (the "Lender").

Unless otherwise defined herein, each term used herein has the meaningassigned to it in the Credit Agreement. 

 

B-1
 
PARTIESABBREVIATION[_______________]Borrower[Subsidiary # 1of Borrower]Sub1[Subsidiary # 2 of Borrower]Sub2[Shareholder # 1 of Borrower]SHolder1[Shareholder # 2 of Borrower]SHolder2Borrower, Sub1, and Sub2CompaniesAllegiance Capital, LLCLender[Title Company]TCompanyBorrower, [Sub1, Sub2, SHolder1 and Sholder2]Credit Parties  
  
COUNSEL  
Counsel to the Credit PartiesCPCounselGiancarlo & Gnazzo, counsel to LenderG&G
 

B-2

 

 

 
**Primary

Documents and Actions Required                                                                                             Responsibility             Status
1. Credit Documents
1.1     Credit Agreement                                                                                                   G&G 

1.1.1     Exhibit G-1: Form of Guaranty                                                                             G&G 

1.1.2     Exhibit M-1: Form of Mortgage                                                                           G&G 

1.1.3     Exhibit N-1: Form of Note                                                                                   G&G 

1.1.4     Exhibit P-1: Form of Parent Pledge Agreement                                                     G&G 

1.1.5     Exhibit S-2: Form of Subsidiary Pledge      and                    Security      Agreement                                                                                              G&G                                                        1.1.6     Exhibit 4.1(e): Form of Opinion of Counsel                                                           G&G 

1.1.7     Exhibit 6.1(c): Form of Quarterly Borrower      Report                                               G&G 

1.1.8     [Schedule L-1: Schedule of Leases]                                                                    Borrower 

1.1.9     Schedule S-1: Schedule of Environmental      Exceptions                                          Borrower 

1.1.10     Schedule S-2: Schedule of Pending      Litigation                                                    Borrower 

1.1.11     Schedule S-3: Schedule of Permitted Debt                                                        Borrower 

1.1.12     Schedule S-4: Schedule of Permitted Liens                                                        Borrower 

1.1.13     Schedule S-5: Schedule of Permitted Uses of      Proceeds                                        Lender 

1.1.14     Schedule S-6: Schedule of      Subsidiaries/Establishments                                        Borrower 

1.1.15     Schedule 4.1(q): Schedule of Debt to be      Repaid                                                 Borrower 

1.1.16     Schedule 5.21: Schedule of Locations of      Collateral                                             Borrower 

1.1.17     Schedule 5.23: Schedule of Investment      Collateral                                                Borrower 

1.1.18     Schedule 6.4(b): Schedule of Insurance      Coverage                    Amounts                                                                                                                Lender 

1.2               Note                                                                                                                              G&G 

B-3

 
**Primary

Documents and Actions Required                                                                                       Responsibility      Status
 

1.3               Guaranties:

1.3.1     Guaranty by SHolder1                                                                                          G&G 

1.3.2     Guaranty by SHolder2                                                                                           G&G 

1.3.3     Guaranty by Sub1                                                                                                  G&G 

1.3.4     Guaranty by Sub2                                                                                                  G&G 

1.4                   Parent Pledge Agreement(s):

1.4.1     Parent Pledge Agreement by SHolder1                                                                  G&G 

1.4.1.1  Schedule 1: Description of Investment Collateral                                               CPCounsel 

1.4.1.2  Schedule 2: Location of Collateral                                                                    CPCounsel 

1.4.1.3  Stock Powers                                                                                                  CPCounsel 

1.4.1.4  Stock Certificates                                                                                             CPCounsel 

1.4.2     Parent Pledge Agreement by SHolder2                                                                   G&G 

1.4.2.1  Schedule 1: Description of Investment Collateral                                               CPCounsel 

1.4.2.2  Schedule 2: Location of Collateral                                                                    CPCounsel 

1.4.2.3  Stock Powers                                                                                                 CPCounsel 

1.4.2.4  Stock Certificates                                                                                            CPCounsel

1.5                  Subsidiary Pledge and Security Agreement(s):

1.5.1     Subsidiary Pledge and Security Agreement      by Sub1                                              G&G 

1.5.1.1  Schedule 1: Schedule of Investment Collateral                                                  CPCounsel 

1.5.1.2  Schedule 2: Location of Collateral                                                                    CPCounsel 

1.5.2     Subsidiary Pledge and Security Agreement      by Sub2                                              G&G 

1.5.2.1  Schedule 1: Schedule of Investment Collateral                                                   CPCounsel 

 

B-4

 
**Primary****Documents and Actions Required                                                                                             Responsibility       Status
 

1.5.2.2  Schedule 2: Location of Collateral                                                                        CPCounsel ****
1.6     Deeds of Trust/Mortgages:

1.6.1     Deed of Trust/Mortgage by Borrower                                                                      G&G 

1.6.1.1 Exhibit A: Description of Real Property                                                                  CPCounsel 

1.6.2 Deed of Trust/Mortgage by Sub1                                                                                   G&G 

1.6.2.1 Exhibit A: Description of Real Property                                                                   CPCounsel 

1.6.3 Deed of Trust/Mortgage by Sub2                                                                                    G&G 

1.6.3.1 Exhibit A: Description of Real Property                                                                    CPCounsel 

1.6.4 Deed of Trust/Mortgage by [___________]                                                                     G&G 

1.6.4.1 Exhibit A: Description of Real Property                                                                    CPCounsel 

1.7     Environmental Indemnity by Borrower, Sub1,                                                                          G&G               Sub2 and [________]

1.8     Landlord's Estoppel                                                                                                                 G&G 

1.8.1 Exhibit A: Lease Description and Lease                                                                        CPCounsel

2                   Certain Documents Relating to Collateral
2.1     UCC-1 financing statements for Borrower:                                                                                   +

2.1.1 [_______] Secretary of State UCC-1 filing(s)                                                                    G&G 

2.1.2 [_______] County UCC-1 filing(s)                                                                                     G&G

2.1.3 UCC-1 financing statements for Sub1:

2.1.4 [_______] Secretary of State UCC-1 filing(s)                                                                     G&G 

2.1.5 [_______] County UCC-1 filing(s)                                                                                     G&G 

    2.2                        UCC-1 financing statements for Sub2:

 

B-5

 

 
**Primary****Documents and Actions Required                                                                                                    Responsibility       Status
 

2.2.1 [_______] Secretary of State UCC-1 filing(s)                                                                          G&G 

2.2.2 [_______] County UCC-1 filing(s)                                                                                           G&G 

    2.3                        UCC-1 financing statements for SHolder1:

2.3.1 [_______] Secretary of State UCC-1 filing(s)                                                                           G&G 

2.3.2 [_______] County UCC-1 filing(s)                                                                                            G&G 

    2.4                        UCC-1 financing statements for SHolder2:

2.4.1 [_______] Secretary of State UCC-1 filing(s)                                                                             G&G 

2.4.2 [_______] County UCC-1 filing(s)                                                                                              G&G 

2.4.3 Pre-filing UCC/Judgment/Lien searches for Borrower: 

2.4.4 Pre-filing Secretary of State and               County searches                                                                                                                  G&G/CPCounsel 

    2.5                        Pre-filing UCC/Judgment/Lien searches for Sub1:

2.5.1 Pre-filing Secretary of State and                County searches                                                                                                                  G&G/CPCounsel 

    2.6                        Pre-filing UCC/Judgment/Lien searches for Sub2:

2.6.1 Pre-filing Secretary of State and                County searches                                                                                                                  G&G/CPCounsel 

    2.7                        Pre-filing UCC/Judgment/Lien searches for SHolder1:

2.7.1 Pre-filing Secretary of State and               County searches                                                                                                                   G&G/CPCounsel

    2.8                        Pre-filing UCC/Judgment/Lien searches for SHolder2:

2.8.1 Pre-filing Secretary of State and                County searches                                                                                                                  G&G/CPCounsel

 

B-6 

 
**Primary                                                                                       ****Documents and Actions Required                                                                                                    Responsibility           Status
 

    2.9                        Preliminary Title Report(s):

2.9.1 [_______________]                                                                                              Lender/TCompany 

2.9.2 [_______________]                                                                                              Lender/TCompany 

2.9.3 [_______________]                                                                                              Lender/TCompany 

2.9.4 [_______________]                                                                                               Lender/TCompany 

    2.10                    Title Insurance Policies:

2.10.1 [_______________]                                                                                            Lender/TCompany 

2.10.2 [_______________]                                                                                            Lender/TCompany 

2.10.3 [_______________]                                                                                            Lender/TCompany 

2.10.4 [_______________]                                                                                            Lender/TCompany

3    Additional Closing Documents
3.1 Evidence of Insurance per Section 4.1(f)                                                                          Borrower 

3.2 Certified Copy of Related Transaction Documents per             Section 4.1(g)                                                                                                          Borrower/CPCounsel 

3.3 Payoff Letters per Section 4.1(q)                                                                              Borrower/CPCounsel 

3.4 Account and Wire Transfer Instructions per Section 4.1(r)                                                Borrower 

3.5 Certified Copy of Base Financials per Section 4.1(s)                                                        Borrower 

3.6 [Additional Documents]                                                                                                CPCounsel 
4                        Corporate Documents
4.1 Companies=      articles/certificate of incorporation 

4.1.1 Borrower                                                                                                            CPCounsel

4.1.2 Sub1 CPCounsel

4.1.3 Sub2 CPCounsel

 

B-7

 
**Primary****Documents and Actions Required                                                                                                 Responsibility           Status
 

    4.2             Companies= bylaws 

4.2.1 Borrower                                                                                                                     CPCounsel

4.2.2 Sub1 CPCounsel

4.2.3 Sub2 CPCounsel

   4.3             Companies' goodstanding certificates from State of                      Incorporation, state where principal place of business                     located and requested bring-down certificates

4.3.1 Borrower                                                                                                                       CPCounsel

4.3.2 Sub1                                                                                                                              CPCounsel

4.3.3 Sub2         CPCounsel

  4.4             SecretaryCertificates as to (A) resolutions, and                    (B) incumbency, authority and signatures of                     each officer of Companies executing any Credit Document

4.4.1 Borrower                                                                                                                        CPCounsel

4.4.2 Sub1 CPCounsel

4.4.3 Sub2 CPCounsel

   5     Legal Opinions
5.1 Opinion of Credit Parties                                                                                                          CPCounsel 

6        Selected Post-ClosingDocuments and Actions
6.1 Confirmation by Lender of closing                                                                                              Lender

6.2 Delivery by Lender of copies of closing documents to parties                                                       G&G

6.3 Confirmation of UCC filings                                                                                                         G&G

6.4 *[Other]*

 

B-8

 

 
**EXHIBIT C  to Loan Acquisition Agreement

FORM OF PENDING CREDIT SCHEDULE**
 

Borrower:                                            ___________________________________________________________________ 
Type of Entity:                                    ___________________________________________________________________ 
Principal Place  of Business (City & State):            ___________________________________________________________________ 

Business Type, Seasoning, Realty Type, Service Volume & Revenue  of each Establishment serving as Collateral:     ______________________________________________________________

Number & Business Type of other           ___________________________________________________________________ 

Establishments owned by Borrower:        ___________________________________________________________________
Guarantor(s):                                        ___________________________________________________________________ 

Obligor/Principal Seasoning:                ___________________________________________________________________ 
Anticipated Funding Date:                         ___________________________________________________________________ 
Use of Proceeds:                                 ___________________________________________________________________ 
Interest Type & Rate:                         ___________________________________________________________________ 
Arrangement Fee:                                 ___________________________________________________________________ 
Term to Maturity:                                 ___________________________________________________________________ 
Amortization Term:                                 ___________________________________________________________________ 
Adjusted Cash Flow:                         ___________________________________________________________________ 

Coverage Ratio:                                 ___________________________________________________________________ 
Valuation:                                                 ___________________________________________________________________ 
Loan-to-Value Ratio:                         ___________________________________________________________________ 

Underwriting or Documentation                 ___________________________________________________________________ 

Exceptions:                                         ___________________________________________________________________ 
Pool Criteria Exceptions:                         ___________________________________________________________________ 
Summary of Legal Structure:                 ___________________________________________________________________ **       ______________________________________________________________________________________________****
         ______________________________________________________________________________________________

Underwriting Model Output: To be attached.

 

 
**EXHIBIT D  to Loan Acquisition Agreement

POOL CRITERIA  (Dollar Percentage Limits Based on Greater of Pool Balance and $30,000,000)**
 

1. Minimum Number of Obligors* - 15

2. Minimum Number of Establishments** - 35

3. Maximum Aggregate Loan Balance to any one Obligor - $3,825,000 if      Pool Balance is less than $30,000,000,               otherwise 15% of the Pool Balance.

4. Maximum Number of Obligor Concentrations Over 10% - 3

5. Maximum Establishment Concentration - 6.5%

6. Maximum Number of Establishment Concentrations Over 5% - 3

7. Maximum State Concentration (By $) - 20%

8. Maximum Number of State Concentrations Over 15% (By $) - 3

9. Minimum Loan-Level Coverage Ratio*** - 1.40 if Obligor      Concentration 10% or less, 1.55 if Obligor Concentration                 over 10%

10. Minimum Pool-Level Wtd. Avg. Coverage Ratio - 1.55

11. Maximum Loan-Level Loan-to-Value Ratio - 80% if Obligor      Concentration 10% or less, 70% if Obligor               Concentration over 10%

12. Maximum Pool-Level Wtd. Avg. Loan-to-Value Ratio - 70%

13. Minimum Obligor/Principal ****Seasoning - 5 years,      including (a) 5 years with Funeral Service if a Funeral Home is                 included, and (b) 5 years or      since inception with Cemetery Industry if a Cemetery is included.

 

__________________

 
*Obligor=all affiliated entities not satisfying          bankruptcy-remoteness standards.**Establishment=a business establishment which          serves as collateral for a Loan.***Coverage Ratio=the fixed charge or debt service          coverage ratio, as applicable under the related loan and loan documents.****Obligor/Principal=the primary stockholder,          partner, proprietor.
D-1

14. Minimum Pool-Level Average (Non-Wtd.) Obligor/Principal Seasoning -      10 years

15. Minimum Establishment Seasoning for 1 of every 3 of Establishments      on those Loans with at least 3 Establishments -1                year

16. Minimum Establishment Seasoning for All other Establishments - 5      years

17. Minimum Pool-Level Average (Non-Wtd.) Establishment Seasoning - 20      years

18. Maximum Amount of Loans (or portion thereof by Establishment)      secured by other than Fee interests in Realty (By $                and By Rounded#)-17.50%

19. Maximum Amount of Loans (or portion thereof by Establishment)      secured by Cemetery Establishments other than              Combination Establishments (By $ and By Rounded      #) - 20%

20. Maximum Amount of Loans (or portion thereof by Establishment)      secured by Combination Establishments***** (By $                and By Rounded #) - 25%

21. Maximum Amount of Loans (or portion thereof by Establishment)      secured by Cemetery or Combination               Establishments (By $ and By Rounded #) - 35%

 

**** Combination Establishment = Fuenral Home and      Cemetery Located at same/contiguous site
D-2

 

 
**EXHIBIT E

PROGRAM GUIDELINES**
To be delivered under separate cover to the Certificateholder Agent and its Counsel.

 

 
**EXHIBIT F

to Loan Acquisition Agreement

SCOPE OF SPECIFIED REVIEW**
 

 

A.  Review of Appraiser's Valuation

1. Agree Valuation Methodology to Standard Methodology

2. Agree Reasonableness/Adequacy of Valuation Assumptions

3. Agree Valuation Calculations

B.  Review Company's Underwriting Calculations

1. Agree Adjusted Cash Flow to Borrower Financials

2. Agree Loan Payment Calculation

3. Agree Coverage Ratio

4. Agree Loan-to-Value Ratio

5. Agree Loan Payment Cap if Loan Coupon has not been fixed

(Highest Loan Payment at which Coverage Ratio and Pool Criteria aresatisfied)

C. Review Pool Criteria

1. Agree Pool Criteria Calculations (agree that the Pool Criteria are  met)
** **
 
**EXHIBIT G

STANDARD FORMS**
To be delivered under separate cover to the Certificateholder Agent, its Counsel and the Trustee.

 

 

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