Document:

<PAGE>   1
<TABLE>
<S>                                                                 <C>
American Residential Eagle Bond Trust 1999-1                        Contact:   Customer Service
Mortgage-Backed LIBOR Notes, Class A, Series 1999-1                 Norwest Bank Minnesota, N.A.
                                                                    Securities Administration Services
Record Date:         31-Jan-2000                                    7485 New Horizon Way
Distribution Date:   25-Feb-2000                                    Frederick, MD  21703
                                                                    Telephone: (301) 846-8130
                                                                    Facsimile: (301) 846-8152
</TABLE>

                                  EXHIBIT 10.1

                     Certificateholder Distribution Summary

<TABLE>
<CAPTION>
=========================================================================================================================
                                      Certificate     Certificate        Beginning
                                         Class        Pass-Through      Certificate        Interest         Principal
      Class              CUSIP        Description         Rate            Balance        Distribution     Distribution
=========================================================================================================================
<S>                    <C>            <C>             <C>               <C>              <C>              <C>
        A               02926NAA4         SEQ               6.16375%    193,047,041.08     1,024,630.66     3,479,676.10
     INV_CERT           ARE991INV         SUB               0.00000%      5,316,432.67       147,695.42             0.00
=========================================================================================================================
Totals                                                                  198,363,473.75     1,172,326.08     3,479,676.10
=========================================================================================================================
</TABLE>

<TABLE>
<CAPTION>
=========================================================================================
                                           Ending
                         Current         Certificate          Total         Cumulative
      Class           Realized Loss        Balance        Distribution    Realized Losses
=========================================================================================
<S>                   <C>               <C>               <C>             <C>
        A                       0.00    189,567,364.98     4,504,306.76              0.00
     INV_CERT                   0.00      5,316,432.67       147,695.42              0.00
=========================================================================================
Totals                          0.00    194,883,797.65     4,652,002.18              0.00
=========================================================================================
</TABLE>

All distributions required by the Pooling and Servicing Agreement have been
calculated by the Certificate Administrator on behalf of the Trustee

<PAGE>   2
<TABLE>
<S>                                                                 <C>
American Residential Eagle Bond Trust 1999-1                        Contact:   Customer Service
Mortgage-Backed LIBOR Notes, Class A, Series 1999-1                 Norwest Bank Minnesota, N.A.
                                                                    Securities Administration Services
Record Date:         31-Jan-2000                                    7485 New Horizon Way
Distribution Date:   25-Feb-2000                                    Frederick, MD  21703
                                                                    Telephone: (301) 846-8130
                                                                    Facsimile: (301) 846-8152
</TABLE>

                        Principal Distribution Statement

<TABLE>
<CAPTION>
============================================================================================================================
                                         Beginning         Scheduled       Unscheduled
                       Original Face    Certificate         Principal       Principal                          Realized
     Class                Amount          Balance         Distribution    Distribution       Accretion          Loss(1)
============================================================================================================================
<S>                  <C>               <C>                <C>             <C>                <C>               <C>
       A             229,000,000.00    193,047,041.08            0.00     3,479,676.10             0.00             0.00
    INV_CERT           7,285,896.30      5,316,432.67            0.00             0.00             0.00             0.00
============================================================================================================================
     Totals          236,285,896.30    198,363,473.75            0.00     3,479,676.10             0.00             0.00
============================================================================================================================
</TABLE>

<TABLE>
<CAPTION>
========================================================================================
                           Total             Ending           Ending
                          Principal       Certificate      Certificate   Total Principal
     Class              Reduction            Balance        Percentage      Distribution
========================================================================================
<S>                    <C>              <C>                <C>           <C>
       A               3,479,676.10     189,567,364.98     0.82780509      3,479,676.10
    INV_CERT                   0.00       5,316,432.67     0.72968822              0.00
========================================================================================
     Totals            3,479,676.10     194,883,797.65     0.82477964      3,479,676.10
========================================================================================
</TABLE>

(1)    Amount Does Not Include Excess Special Hazard, Bankruptcy, Or Fraud
       Losses Unless Otherwise Disclosed. Please Refer To The Prospectus
       Supplement For A Full Description.

<PAGE>   3
<TABLE>
<S>                                                                 <C>
American Residential Eagle Bond Trust 1999-1                        Contact:   Customer Service
Mortgage-Backed LIBOR Notes, Class A, Series 1999-1                 Norwest Bank Minnesota, N.A.
                                                                    Securities Administration Services
Record Date:         31-Jan-2000                                    7485 New Horizon Way
Distribution Date:   25-Feb-2000                                    Frederick, MD  21703
                                                                    Telephone: (301) 846-8130
                                                                    Facsimile: (301) 846-8152
</TABLE>

                    Principal Distribution Factors Statement

<TABLE>
<CAPTION>
==========================================================================================================================
                                        Beginning        Scheduled       Unscheduled
                    Original Face      Certificate       Principal        Principal                         Realized
    Class(2)           Amount            Balance        Distribution    Distribution       Accretion         Loss(3)
==========================================================================================================================
<S>                 <C>                <C>              <C>             <C>                <C>              <C>
       A             229,000,000.00      843.00017939      0.00000000      15.19509214       0.00000000       0.00000000
    INV_CERT           7,285,896.30      729.68821557      0.00000000       0.00000000       0.00000000       0.00000000
==========================================================================================================================
</TABLE>

<TABLE>
<CAPTION>
=====================================================================================
                       Total            Ending           Ending
                     Principal        Certificate      Certificate   Total Principal
    Class(2)         Reduction          Balance        Percentage      Distribution
=====================================================================================
<S>                  <C>               <C>             <C>           <C>
       A              15.19509214       827.80508725     0.82780509       15.19509214
    INV_CERT           0.00000000       729.68821557     0.72968822        0.00000000
=====================================================================================
</TABLE>

(2)    All Denominations Are Per $1,000.

(3)    Amount Does Not Include Excess Special Hazard, Bankruptcy, Or Fraud
       Losses Unless Otherwise Disclosed. Please Refer To The Prospectus
       Supplement For A Full Description.

<PAGE>   4
<TABLE>
<S>                                                                 <C>
American Residential Eagle Bond Trust 1999-1                        Contact:   Customer Service
Mortgage-Backed LIBOR Notes, Class A, Series 1999-1                 Norwest Bank Minnesota, N.A.
                                                                    Securities Administration Services
Record Date:         31-Jan-2000                                    7485 New Horizon Way
Distribution Date:   25-Feb-2000                                    Frederick, MD  21703
                                                                    Telephone: (301) 846-8130
                                                                    Facsimile: (301) 846-8152
</TABLE>

                         Interest Distribution Statement

<TABLE>
<CAPTION>
=================================================================================================================================
                                                                                                                       Non-
                                                        Beginning          Current         Payment of     Current     Supported
                  Original Face        Current         Certificate         Accrued      Unpaid Interest   Interest    Interest
     Class            Amount       Certificate Rate  Notional Balance      Interest         Shortfall      Shortfall  Shortfall
=================================================================================================================================
<S>               <C>              <C>               <C>                  <C>           <C>               <C>         <C>
       A           229,000,000.00          6.16375%    193,047,041.08     1,024,630.69              0.00       0.00         0.00
   INV_CERT          7,285,896.30          0.00000%      5,316,432.67             0.00              0.00       0.00         0.00
=================================================================================================================================
Totals             236,285,896.30                                         1,024,630.69              0.00       0.00         0.00
=================================================================================================================================
</TABLE>

<TABLE>
<CAPTION>
==============================================================================
                                                 Remaining
                                                   Unpaid          Ending
                  Realized     Total Interest     Interest      Certificate/
     Class        Losses(4)     Distribution     Shortfall    Notional Balance
==============================================================================
<S>               <C>          <C>               <C>          <C>
       A                0.00      1,024,630.66          0.00    189,567,364.98
   INV_CERT             0.00        147,695.42          0.00      5,316,432.67
==============================================================================
Totals                  0.00      1,172,326.08          0.00
==============================================================================
</TABLE>

(4)    Amount Does Not Include Excess Special Hazard, Bankruptcy, Or Fraud
       Losses Unless Otherwise Disclosed. Please Refer To The Prospectus
       Supplement For A Full Description.

<PAGE>   5
<TABLE>
<S>                                                                 <C>
American Residential Eagle Bond Trust 1999-1                        Contact:   Customer Service
Mortgage-Backed LIBOR Notes, Class A, Series 1999-1                 Norwest Bank Minnesota, N.A.
                                                                    Securities Administration Services
Record Date:         31-Jan-2000                                    7485 New Horizon Way
Distribution Date:   25-Feb-2000                                    Frederick, MD  21703
                                                                    Telephone: (301) 846-8130
                                                                    Facsimile: (301) 846-8152
</TABLE>

                     Interest Distribution Factors Statement

<TABLE>
<CAPTION>
=============================================================================================================================
                                                                                                Payment of
                                                         Beginning                                Unpaid       Current
                    Original Face          Current       Certificate/      Current Accrued       Interest      Interest
    Class(5)            Amount        Certificate Rate  Notional Balance       Interest          Shortfall     Shortfall
=============================================================================================================================
<S>                 <C>               <C>               <C>                <C>                  <C>            <C>
       A            229,000,000.00          6.16375%      843.00017939          4.47436983      0.00000000     0.00000000
    INV_CERT          7,285,896.30          0.00000%      729.68821557          0.00000000      0.00000000     0.00000000
=============================================================================================================================
</TABLE>

<TABLE>
<CAPTION>
=================================================================================================
                          Non-                                        Remaining         Ending
                        Supported                                       Unpaid       Certificate/
                        Interest      Realized      Total Interest     Interest        Notional
    Class(5)            Shortfall     Losses(6)       Distribution     Shortfall        Balance
=================================================================================================
<S>                     <C>           <C>           <C>               <C>            <C>
       A                0.00000000    0.00000000        4.47436969    0.00000000     827.80508725
    INV_CERT            0.00000000    0.00000000       20.27141396    0.00000000     729.68821557
=================================================================================================
</TABLE>

(5)    All Denominations Are Per $1,000.

(6)    Amount Does Not Include Excess Special Hazard, Bankruptcy, Or Fraud
       Losses Unless Otherwise Disclosed. Please Refer To The Prospectus
       Supplement For A Full Description.

<PAGE>   6
<TABLE>
<S>                                                                 <C>
American Residential Eagle Bond Trust 1999-1                        Contact:   Customer Service
Mortgage-Backed LIBOR Notes, Class A, Series 1999-1                 Norwest Bank Minnesota, N.A.
                                                                    Securities Administration Services
Record Date:         31-Jan-2000                                    7485 New Horizon Way
Distribution Date:   25-Feb-2000                                    Frederick, MD  21703
                                                                    Telephone: (301) 846-8130
                                                                    Facsimile: (301) 846-8152
</TABLE>

                      Certificateholder Component Statement

<TABLE>
<CAPTION>
================================================================================================================
                    Component Pass-Through    Beginning Notional      Ending Notional     Beginning Component
           Class             Rate                   Balance               Balance               Balance
================================================================================================================
<S>                 <C>                       <C>                     <C>                 <C>
            FSA          1,200.00000%              37,000.68             36,333.74               0.00
================================================================================================================
</TABLE>

<TABLE>
<CAPTION>
===============================================================
                      Ending Component    Ending Component
           Class            Balance          Percentage
===============================================================
<S>                   <C>                 <C>
            FSA               0.00         82.78049115%
===============================================================
</TABLE>

<PAGE>   7
<TABLE>
<S>                                                                 <C>
American Residential Eagle Bond Trust 1999-1                        Contact:   Customer Service
Mortgage-Backed LIBOR Notes, Class A, Series 1999-1                 Norwest Bank Minnesota, N.A.
                                                                    Securities Administration Services
Record Date:         31-Jan-2000                                    7485 New Horizon Way
Distribution Date:   25-Feb-2000                                    Frederick, MD  21703
                                                                    Telephone: (301) 846-8130
                                                                    Facsimile: (301) 846-8152
</TABLE>

                       Certificateholder Account Statement

<TABLE>
<CAPTION>
===============================================================================
                             CERTIFICATE ACCOUNT

<S>                                                               <C>
Beginning Balance                                                         0.00
Deposits
      Payments of Interest and Principal                          5,035,774.96
      Liquidations, Insurance Proceeds, Reserve Funds                     0.00
      Proceeds from Repurchased Loans                                     0.00
      Other Amounts (Servicer Advances)                                   0.00
      Realized Losses                                               (215,083.74)
                                                                  -------------

Total Deposits                                                    4,820,691.22

Withdrawals
      Reimbursement for Servicer Advances                                 0.00
      Payment of Service Fee                                        168,689.04
      Payment of Interest and Principal                           4,652,002.18
                                                                  -------------

Total Withdrawals (Pool Distribution Amount)                      4,820,691.22

Ending Balance                                                            0.00
                                                                  ============
===============================================================================
</TABLE>

<TABLE>
<CAPTION>
==============================================================================================
                                         OTHER ACCOUNTS

                                       Beginning         Current         Current       Ending
           Account Type                 Balance        Withdrawals      Deposits       Balance
----------------------------------------------------------------------------------------------
<S>                                    <C>             <C>              <C>            <C>
Financial Guaranty                       0.00              0.00           0.00          0.00
==============================================================================================
</TABLE>

<TABLE>
<CAPTION>
=================================================================================
                   PREPAYMENT/CURTAILMENT INTEREST SHORTFALL

<S>                                                                         <C>
Total Prepayment/Curtailment Interest Shortfall                             0.00
Servicing Fee Support                                                       0.00
                                                                            ----
Non-Supported Prepayment/Curtailment Interest Shortfall                     0.00
                                                                            ====
=================================================================================
</TABLE>

<TABLE>
<CAPTION>
=================================================================================
                                 SERVICING FEES
<S>                                                                    <C>

Gross Servicing Fee                                                    82,651.31
Management Fee                                                          1,000.00
FSA Insurance Premium                                                  37,000.68
Trustee Fee - Norwest Bank Minnesota N.A.                                 826.57
Mortgage Insurance Premium                                             47,210.48
Supported Prepayment/Curtailment Interest Shortfall                         0.00
                                                                      ----------
Net Servicing Fee                                                     168,689.04
                                                                      ==========
=================================================================================
</TABLE>

<PAGE>   8
<TABLE>
<S>                                                                 <C>
American Residential Eagle Bond Trust 1999-1                        Contact:   Customer Service
Mortgage-Backed LIBOR Notes, Class A, Series 1999-1                 Norwest Bank Minnesota, N.A.
                                                                    Securities Administration Services
Record Date:         31-Jan-2000                                    7485 New Horizon Way
Distribution Date:   25-Feb-2000                                    Frederick, MD  21703
                                                                    Telephone: (301) 846-8130
                                                                    Facsimile: (301) 846-8152
</TABLE>

<TABLE>
<CAPTION>
 =======================================================================================================
                       CERTIFICATEHOLDER DELINQUENCY/CREDIT ENHANCEMENT STATEMENT
                                           DELINQUENCY STATUS

                                                                           Percentage Delinquent
                                                                                  Based On
                                                                        -------------------------
                                    Current
                                   Number Of     Unpaid Principal        Number            Unpaid
                                     Loans            Balance           of Loans          Balance
                                   ---------     ----------------       --------          -------
<S>                                <C>           <C>                   <C>               <C>
 30 Days                                  87        9,090,665.10        5.147929%         4.664659%
 60 Days                                  24        2,462,318.65        1.420118%         1.263480%
 90+ Days                                 36        4,348,376.27        2.130178%         2.231266%
 Foreclosure                              72        7,609,629.23        4.260355%         3.904701%
 REO                                      31        3,380,177.71        1.834320%         1.734458%
                                         ---       -------------       ---------         ---------

 Totals                                  250       26,891,166.96       14.792899%        13.798565%

 Current Period Realized Loss - Includes Interest Shortfall    0.00
 Cumulative Realized Losses - Includes Interest Shortfall      566,369.44
 Current Period Class A Insufficient Funds                     0.00
 Principal Balance of Contaminated Properties                  0.00
 Periodic Advance                                              0.00
 =======================================================================================================
</TABLE>

<TABLE>
<CAPTION>
-------------------------------------------------------------------------------------------------------------
 SUBORDINATION LEVEL/CREDIT ENHANCEMENT/CLASS PERCENTAGE AND PREPAYMENT PERCENTAGE

             Original $     Original %      Current $      Current %    Current Class %    Next Prepayment %
             ----------     ----------      ---------      ---------    ---------------    -----------------
<S>         <C>             <C>           <C>             <C>             <C>                  <C>
Class A     7,285,896.30    3.08350876%   5,316,432.67    2.72800137%     97.271999%           0.000000%

Please Refer to Prospectus Supplement for a Full Description of Loss Exposure.
-------------------------------------------------------------------------------------------------------------
</TABLE>

<PAGE>   9
<TABLE>
<S>                                                                 <C>
American Residential Eagle Bond Trust 1999-1                        Contact:   Customer Service
Mortgage-Backed LIBOR Notes, Class A, Series 1999-1                 Norwest Bank Minnesota, N.A.
                                                                    Securities Administration Services
Record Date:         31-Jan-2000                                    7485 New Horizon Way
Distribution Date:   25-Feb-2000                                    Frederick, MD  21703
                                                                    Telephone: (301) 846-8130
                                                                    Facsimile: (301) 846-8152
</TABLE>

<TABLE>
<CAPTION>
 ==========================================================================================================
                                           COLLATERAL STATEMENT

 Collateral Description                                                          Fixed Mixed & ARM Balloon
<S>                                                                              <C>
 Weighted Average Gross Coupon                                                                   9.413622%
 Weighted Average Net Coupon                                                                     8.913623%
 Weighted Average Pass-Through Rate                                                              8.908623%
 Weighted Average Maturity (Stepdown Calculation)                                                      318

 Beginning Scheduled Collateral Loan Count                                                           1,715
 Number of Loans Paid in Full                                                                           25
 Ending Scheduled Collateral Loan Count                                                              1,690

 Beginning Scheduled Collateral Balance                                                     198,363,473.75
 Ending Scheduled Collateral Balance                                                        194,883,797.65
 Ending Actual Collateral Balance at 31-Jan-2000                                            194,883,797.65
 Monthly P&I Constant                                                                         1,678,954.60
 Class A Optimal Amount                                                                       4,541,307.47
 Ending Scheduled Balance for Premium Loans                                                 194,883,797.65

 Scheduled Principal                                                                            122,855.61
 Unscheduled Principal                                                                        3,356,820.49
                                                                                              5,316,432.67
 Required Overcollateralized Amount
 Overcollateralized Increase Amount                                                                   0.00
 Overcollateralized Reduction Amount                                                                  0.00
 Specified O/C Amount                                                                         5,316,432.67
 Overcollateralized Amount                                                                    5,316,432.67
 Overcollateralized Deficiency Amount                                                                 0.00
 Base Overcollateralization Amount                                                            5,316,432.67

 Extra Principal Distribution Amount                                                                  0.00
 Excess Cash Amount                                                                             363,779.15
 ==========================================================================================================
 Bankruptcy                                                                               39    $4,835,747
 Bankruptcies are included in the 30, 60 and 90 day delinquencies
 ==========================================================================================================
</TABLE><PAGE>   1
                                                                     EXHIBIT 4.1

 COMMON STOCK                       [CALDERA LOGO]                 COMMON STOCK

                                    CALDERA
                                    systems

              INCORPORATED UNDER THE LAWS OF THE STATE OF DELAWARE

                             CALDERA SYSTEMS, INC.

That Certifies that                                          CUSIP 128780 10 3
                                                               SEE REVERSE FOR
                                                             CERTAIN DEFINITIONS

is the owner of

fully paid and non-assessable shares of common stock of the par value of one
hundredth of one cent ($0.001) per share of Caldera Systems, Inc. transferable
on the books of the Corporation by the holder hereof in person or by duly
authorized attorney upon surrender of this certificate properly endorsed. This
certificate is not valid unless countersigned by the Transfer Agent.

Witness the facsimile signatures of its duly authorized officers.

Dated

/s/ ALAN HANSEN                              /s/ RANSOM H. LOVE
------------------------------               ------------------------------
          SECRETARY                                     PRESIDENT
<PAGE>   2

                             CALDERA SYSTEMS, INC.

        THE CORPORATION WILL FURNISH WITHOUT CHARGE TO EACH STOCKHOLDER WHO SO
REQUESTS A STATEMENT OF THE POWERS, DESIGNATIONS, PREFERENCES AND RELATIVE,
PARTICIPATING, OPTIONAL OR OTHER SPECIAL RIGHTS OF  EACH CLASS OF STOCK OR
SERIES THEREOF OF THE CORPORATION, AND THE QUALIFICATIONS, LIMITATIONS OR
RESTRICTIONS OF SUCH PREFERENCES AND/OR RIGHTS. SUCH REQUEST MAY BE MADE TO THE
CORPORATION OR THE TRANSFER AGENT.

        The following abbreviations, when used in the inscription on the face
of this certificate, shall be construed as though they were written out in full
according to applicable laws or regulations:

<TABLE>
<CAPTION>
<S>                     <C>                             <C>
            TEN COM-    as tenants in common            UNIF GIFT MIN ACT-______________ Custodian_______________
                                                                              (Cust)                  (Minor)
            TEN ENT-    as tenants by the entireties
                                                                          under Uniform Gifts to Minors
             JT TEN-    as joint tenants with
                        right of survivorship and                         Act____________________________________
                        not as tenants in common                                      (State)

                                                        UNIF TRF MIN ACT-_____________ Custodian (until age_____)
                                                                            (Cust)

                                                                         _______under Uniform Transfers to Minors
                                                                         (Minor)

                                                                         Act_____________________________________
                                                                                        (State)
</TABLE>

    Additional abbreviations may also be used though not in the above list.

        For value received, _________________ hereby sell, assign and transfer
unto

PLEASE INSERT SOCIAL SECURITY OR OTHER
    IDENTIFYING NUMBER OF ASSIGNEE
______________________________________

________________________________________________________________________________

________________________________________________________________________________
             PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS OF ASSIGNEE

________________________________________________________________________________

________________________________________________________________________________

________________________________________________________________________________

_________________________________________________________________________ Shares

of the common stock represented by the within Certificate, and do hereby
irrevocably constitute and appoint _____________________________________________

_____________________________________________________________________Attorney to
transfer the said stock on the books of the within-named Corporation with full
power of substitution in the premises.

Dated,_____________________________

                                        X_______________________________________
                                         NOTICE: THE SIGNATURE TO THIS
                                         ASSIGNMENT MUST CORRESPOND WITH THE
                                         NAME AS WRITTEN UPON THE FACE OF THE
                                         CERTIFICATE, IN EVERY PARTICULAR,
                                         WITHOUT ALTERATION OR ENLARGEMENT, OR
                                         ANY CHANGE WHATEVER.

SIGNATURE GUARANTEED:_________________________________
                      THE SIGNATURE(S) MUST BE
                      GUARANTEED BY AN ELIGIBLE
                      GUARANTOR INSTITUTION (BANKS,
                      STOCKBROKERS, SAVINGS AND LOAN
                      ASSOCIATIONS AND CREDIT UNIONS
                      WITH MEMBERSHIP IN AN APPROVED
                      SIGNATURE GUARANTEE MEDALLION
                      PROGRAM) PURSUANT TO S.E.C. RULE
                      17Ad-15.

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00003-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00003-of-00352.parquet"}]]