Loan Rates. Percent of Initial HELs Number of Cut-Off Date by Range of Loan Initial HELs Balance Cut-Off Date Rates(%) Balance 0.001% to 8.000% 30 $335,094.26 0.84% 8.001% to 9.000% 18 569,409.50 1.43% 9.001% to 10.000% 605 16,270,524.75 40.74% 10.001% to 11.000% 536 13,983,747.56 35.02% 11.001% to 12.000% 264 6,596,577.75 16.52% 12.001% to 13.000% 81 2,119,921.04 5.31% 13.001% to 14.000% 1 27,800.00 0.07% 16.001% to 17.000% 1 29,993.64 0.08% Total 1,536 $39,933,068.50 100.00% The weighted average Loan Rate of the Initial HELs as of the Cut-Off Date is approximately 10.41%. Recipients of these Computational Materials must read and acknowledge the attached document "STATEMENT REGARDING ASSUMPTIONS AS TO SECURITIES, PRICING ESTIMATES, AND OTHER INFORMATION" before using or relying on the information contained herein. In addition, recipients of these Computational Materials may only use or rely on the information contained herein if read in conjunction with the related Prospectus and Prospectus Supplement. If you have not received the statement described above or the related Prospectus and Prospectus Supplement, please contact your account executive at Bear, Xxxxxxx & Co. Inc. BEAR XXXXXXX ------------------------------------------------------------------------------- GMACM Home Equity Loan Trust 2000-HE1 ------------------------------------------------------------------------------- THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT ------------------------------------------------------------------------------- Months Remaining to Scheduled Maturity Percent of Initial HELs Number of Cut-Off Date by Range of Months Initial HELs Balance Cut-Off Date Balance 0 to 60 169 $2,549,072.00 6.38% 61 to 120 405 8,571,768.72 21.47% 121 to 180 753 21,803,986.42 54.60% 181 to 240 188 6,220,002.76 15.58% 241 to 300 7 213,436.47 0.53% 301 + 14 574,802.13 1.44% Total 1,536 $39,933,068.50 100.00% The weighted average months remaining to scheduled maturity of the Initial HELs as of the Cut-Off Date is approximately 162 months. Lien Priority Percent of Initial HELs Number of Cut-Off Date by Lien Position Initial HELs Balance Cut-Off Date Balance First 32 $1,063,235.31 2.66% Second 1,504 38,869,833.19 97.34% Total 1,536 $39,933,068.50 100.00% Origination Year Percent of Initial HELs Number of Cut-Off Date by Origination Initial Balance Cut-Off Date Year HELs Balance 1997 2 $37,867.16 0.09% 1999 1,403 35,907,815.07 ...

Loan Rates. Subject to Section 3.4.3, each Borrowing of Working Capital Facility Loans shall accrue interest at the following rates per annum, at the election of the Borrowers pursuant to an appropriately delivered Borrowing Request or Continuation/Conversion Notice:

Loan Rates. If the parties agree in the Application for the Use of the Limit that the fixed interest rate is applicable and the specific value is recorded in the fixed interest rate value column, the interest rate at the time of each loan loan shall be implemented according to the fixed value. The quota use application form agreed applicable fixed rate and fixed rate value bar did not record specific values and agreed in the quota use application for applicable floating rate, each loan lending rate in the corresponding “quota use application” agreed “pricing benchmark applicable date” applicable on the basis of the pricing benchmark value, according to the quota use application form agreed plus (minus) point value. The “applicable date of the pricing benchmark” is taken as the T day, and the pricing benchmark value rule applicable to the T date shall be implemented in accordance with Article 3.5.1 of this Contract.

Loan Rates. Percent of Initial Group Number of Cut-Off Date I HELs by Range of Loan Rates(%) Initial Balance Cut-Off Date Group I HELs Balance 6.000% to 6.999% 1 $20,000.00 0.03% 8.000% to 8.999% 1 18,500.00 0.03 9.000% to 9.999% 578 15,441,009.15 27.00 10.000% to 10.999% 594 14,498,693.44 25.35 11.000% to 11.999% 447 11,380,144.74 19.90 12.000% to 12.999% 457 9,726,851.17 17.01 13.000% to 13.999% 260 5,750,276.82 10.05 14.000% to 14.999% 21 356,308.75 0.62 -- ---------- ---- Total 2,359 $57,191,784.07 100.00% The weighted average loan rate of the Initial Group I HELs as of the Cut-Off Date is approximately 11.016%. THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT Months Remaining to Scheduled Maturity ---------------------- --------------- Percent of Initial Group Number of Cut-Off Date I HELs by Range of Months Initial Balance Cut-Off Date Group I HELs Balance 0 to 60 139 $2,471,012.07 4.32% 61 to 120 373 7,363,790.79 12.88 121 to 180 1167 26,646,461.80 46.59 181 to 240 137 3,814,212.81 6.67 241 to 300 541 16,844,306.60 29.45 301 + 2 52,000.00 0.09 - ---------- ---- Total 2,359 $57,191,784.07 100.00% The weighted average months remaining to scheduled maturity of the Initial Group I HELs as of the Cut-Off Date is approximately 207 months. Origination Year -------------- --------------- Percent of Initial Group Number of Cut-Off Date I HELs by Origination Initial Balance Cut-Off Date Year Group I HELs Balance 2000 2,359 $57,191,784.07 100.00% ----- -------------- ------- Total 2,359 $57,191,784.07 100.00% Lien Priority ------------ --------------- Percent of Initial Group Number of Cut-Off Date I HELs by Lien Initial Balance Cut-Off Date Position Group I HELs Balance First 106 $2,947,338.50 5.15% Second 2,253 54,244,445.57 94.85% ----- ------------- ------ Total 2,359 $57,191,784.07 100.00% THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT Debt-to-Income Ratios -------------------------- ------------ Percent of Initial Group Number of Cut-Off Date I HELs by Range of Debt-to-Income Initial Balance Cut-Off Date Ratios (%) Group I HELs Balance 0.000% to10.000% 4 79,200.00 0.14% 10.001% to20.000% 56 1,239,393.81 2.17 20.001% to30.000% 357 7,751,760.08 13.55 30.001% to40.000% 769 17,972,821.48 31.43 40.001% to50.000% 1,059 26,802,594.50 46.86 50.001% to60.000% 99 2,883,383.15 5.04 60.001% + 10 315,200.00 0.55 N/A 5 147...

Loan Rates. Subject to Section 3.4.3, each Borrowing of Working Capital Facility Loans shall accrue interest at a rate per annum equal to the Prime Rate as in effect from time to time plus one and one-half percent (1.50%).

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Interest Rates (a) Each Base Rate Loan shall bear interest on the outstanding principal amount thereof, for each day from the date such Loan is made until it becomes due, at a rate per annum equal to the Base Rate for such day. Such interest shall be payable for each Interest Period on the last day thereof. Any overdue principal of or interest on any Base Rate Loan shall bear interest, payable on demand, for each day until paid at a rate per annum equal to the sum of 2% plus the rate otherwise applicable to Base Rate Loans for such day.
Applicable Interest Rates (a) U.S.
Interest Rates; LIBOR Notification The interest rate on Eurodollar Loans is determined by reference to the LIBO Rate, which is derived from the London interbank offered rate. The London interbank offered rate is intended to represent the rate at which contributing banks may obtain short-term borrowings from each other in the London interbank market. In July 2017, the U.K. Financial Conduct Authority announced that, after the end of 2021, it would no longer persuade or compel contributing banks to make rate submissions to the ICE Benchmark Administration (together with any successor to the ICE Benchmark Administrator, the “IBA”) for purposes of the IBA setting the London interbank offered rate. As a result, it is possible that commencing in 2022, the London interbank offered rate may no longer be available or may no longer be deemed an appropriate reference rate upon which to determine the interest rate on Eurodollar Loans. In light of this eventuality, public and private sector industry initiatives are currently underway to identify new or alternative reference rates to be used in place of the London interbank offered rate. In the event that the London interbank offered rate is no longer available or in certain other circumstances as set forth in Section 2.14(c) of this Agreement, such Section 2.14(c) provides a mechanism for determining an alternative rate of interest. The Administrative Agent will notify the Borrower, pursuant to Section 2.14, in advance of any change to the reference rate upon which the interest rate on Eurodollar Loans is based. However, the Administrative Agent does not warrant or accept any responsibility for, and shall not have any liability with respect to, the administration, submission or any other matter related to the London interbank offered rate or other rates in the definition of “LIBO Rate” or with respect to any alternative or successor rate thereto, or replacement rate thereof, including without limitation, whether the composition or characteristics of any such alternative, successor or replacement reference rate, as it may or may not be adjusted pursuant to Section 2.14(c), will be similar to, or produce the same value or economic equivalence of, the LIBO Rate or have the same volume or liquidity as did the London interbank offered rate prior to its discontinuance or unavailability.
Interest Rate Computations All interest hereunder shall be computed on the basis of a year of 360 days, unless such computation would exceed the Highest Lawful Rate, in which case interest shall be computed on the basis of a year of 365 days (or 366 days in a leap year), except that interest computed by reference to the Alternate Base Rate at times when the Alternate Base Rate is based on the Prime Rate shall be computed on the basis of a year of 365 days (or 366 days in a leap year), and in each case shall be payable for the actual number of days elapsed (including the first day but excluding the last day). The applicable Alternate Base Rate, Adjusted LIBO Rate or LIBO Rate shall be determined by the Administrative Agent, and such determination shall be conclusive absent manifest error, and be binding upon the parties hereto.
Applicable Margin The following percentages per annum, based upon the Total Leverage Ratio as set forth in the most recent Compliance Certificate received by the Administrative Agent pursuant to §8.4(c): Level Total Leverage Ratio Eurodollar Rate Loans / Letter of Credit Fees Base Rate Loans Commitment Fee I ≥ 3.75x 2.00% 1.00% 0.35% II < 3.75x and ≥ 3.25x 1.75% 0.75% 0.30% III < 3.25x and ≥ 2.50x 1.50% 0.50% 0.25% IV < 2.50x 1.25% 0.25% 0.20% Any increase or decrease in the Applicable Margin resulting from a change in the Total Leverage Ratio shall become effective as of the first Business Day immediately following the date a Compliance Certificate is delivered pursuant to §8.4(c); provided, however, that if a Compliance Certificate is not delivered when due in accordance with such Section, then, upon the request of the Required Lenders, Level I shall apply as of the first Business Day after the date on which such Compliance Certificate was required to have been delivered and shall remain in effect until the date on which such Compliance Certificate is delivered. The Applicable Margin in effect from the Sixth Amendment Effective Date through the date of delivery of the Compliance Certificate for the period ending March 31, 2019 (pursuant to §8.4(c)), with the financial statements to be delivered pursuant to §8.4(a), shall initially be set at Level II and in any event shall be no lower than Level II. Notwithstanding the foregoing to the contrary, in the event either the Borrowers or the Administrative Agent determines, in good faith, that the calculation of the Total Leverage Ratio on which the Applicable Margin for any particular period was determined is inaccurate and, as a consequence thereof, the Applicable Margin was lower or higher than it should have been, (i) the Borrowers shall promptly deliver (but in any event within ten (10) Business Days after the Borrowers discover such inaccuracy or the Borrowers are notified by the Administrative Agent of such inaccuracy, as the case may be) to the Administrative Agent correct financial statements for such period (and if such financial statements are not accurately restated and delivered within thirty (30) days after the first discovery of such inaccuracy by the Borrowers or such notice, as the case may be, and the Applicable Margin was lower than it should have been, then Level I shall apply retroactively for such period until such time as the correct financial statements are delivered and, upon the delivery of such corrected financial statements, thereafter the corrected Level shall apply for such period), (ii) the Administrative Agent shall determine and notify the Borrowers of the amount of interest that would have been due in respect of outstanding Obligations, if any, during such period had the Applicable Margin been calculated based on the correct Total Leverage Ratio (or, to the extent applicable, the Level I Applicable Margin if such corrected financial statements were not delivered as provided herein) and (iii) the applicable Borrower shall promptly pay to the Administrative Agent the difference, if any, between that amount and the amount actually paid in respect of such period. The foregoing notwithstanding shall in no way limit the rights of the Administrative Agent or the Lenders to exercise their rights to impose the rate of interest applicable during an Event of Default as provided herein.
Applicable Margins The ABR Applicable Margin and the LIBOR Applicable Margin to be used in calculating the interest rate applicable to different Types of Advances shall vary from time to time in accordance with the long-term unsecured debt ratings from Xxxxx’x, and Fitch of the General Partner and the Borrower. In the event the General Partner and the Borrower have different ratings, the rating of the higher rated entity shall be used. In the event the rating agencies are split on the rating for the higher rated entity, the lower rating for such entity shall be deemed to be the applicable rating (e.g., if the higher rated entity’s Xxxxx’x debt rating is Baa1, and its Fitch’s rating is BBB, then the Applicable Margins shall be computed based on the Fitch rating), and the Applicable Margins shall be adjusted effective on the next Business Day following any change in the higher rated entity’s Xxxxx’x debt rating, and/or Fitch’s debt rating, as the case may be. The applicable debt ratings and the Applicable Margins are set forth in the table attached as Exhibit A. In the event that Fitch or Xxxxx’x shall discontinue their ratings of the REIT industry, the General Partner or the Borrower, a mutually agreeable substitute rating agency (or two mutually agreeable substitute agencies if both existing rating agencies discontinue such ratings) shall be selected by the Required Lenders and the Borrower. If the Required Lenders and the Borrower cannot agree on a substitute rating agency or substitute rating agencies within thirty (30) days after such discontinuance, or if Fitch and Xxxxx’x shall discontinue their ratings of the REIT industry, the Borrower, or the General Partner, the Applicable Margin to be used for the calculation of interest on Advances hereunder shall be the highest Applicable Margin for each Type. If a rating agency downgrade or discontinuance results in an increase in the ABR Applicable Margin, the LIBOR Applicable Margin, or Facility Fee Rate and if such downgrade or discontinuance is reversed and the affected Applicable Margin is restored within ninety (90) days thereafter, at the Borrower’s request, the Borrower shall receive a credit against interest next due the Lenders equal to interest accrued from time to time during such period of downgrade or discontinuance and actually paid by the Borrower on the Advances at the differential between such Applicable Margins, and the differential of the Facility Fee paid during such period of downgrade. If a rating agency upgrade results in a decrease in the ABR Applicable Margin, LIBOR Applicable Margin or Facility Fee Rate and if such upgrade is reversed and the affected Applicable Margin is restored within ninety (90) days thereafter, Borrower shall be required to pay an amount to the Lenders equal to the interest differential on the Advances and the differential on the Facility Fees during such period of upgrade.
Applicable Interest Rate 5.10.1 In respect of Pre-Delivery Interest Periods or Interest Periods pursuant to Clause 5.3.1 and subject to Clause 5.3.1, Clause 5.12 and Clause 6, the rate of interest applicable to the Loan (or relevant part in the case of the division of the Loan under Clause 5.8) during a Pre-Delivery Interest Period or an Interest Period shall be the Floating Interest Rate.
Revolving Credit Interest Rate Options The Borrower shall have the right to select from the following Interest Rate Options applicable to the Revolving Credit Loans:
Interest Rates and Letter of Credit Fee Rates Payments and Calculations (a) Interest Rates. Except as provided in Section 2.13(c) and Section 2.15(a), all Obligations (except for the undrawn portion of the face amount of Letters of Credit) that have been charged to the Loan Account pursuant to the terms hereof shall bear interest at a per annum rate equal to the lesser of (i) the LIBOR Rate plus the Applicable Margin, or (ii) the maximum rate of interest allowed by applicable laws; provided, that following notice to Borrower in accordance with Section 2.15(a) hereof, all Obligations that have been charged to the Loan Account pursuant to the terms hereof shall bear interest at a per annum rate equal, during the duration of the circumstances described in Section 2.15(a), to the lesser of (A) the Base Rate plus the Applicable Margin as calculated pursuant to Section 2.15(a) or (B) the maximum rate of interest allowable by applicable laws.
Increased LIBO Rate Loan Costs, etc The Borrower agrees to reimburse each Lender and each Issuer for any increase in the cost to such Lender or Issuer of, or any reduction in the amount of any sum receivable by such Secured Party in respect of, such Secured Party’s Commitments and the making of Credit Extensions hereunder (including the making, continuing or maintaining (or of its obligation to make or continue) any Loans as, or of converting (or of its obligation to convert) any Loans into, LIBO Rate Loans) that arise in connection with any change in, or the introduction, adoption, effectiveness, interpretation, reinterpretation or phase-in after the Restatement Effective Date of, any law or regulation, directive, guideline, decision or request (whether or not having the force of law) of any Governmental Authority, except for such changes with respect to increased capital costs and Taxes which are governed by Sections 4.5 and 4.6, respectively. Each affected Secured Party shall promptly notify the Administrative Agent and the Borrower in writing of the occurrence of any such event, stating the reasons therefor and the additional amount required fully to compensate such Secured Party for such increased cost or reduced amount. Such additional amounts shall be payable by the Borrower directly to such Secured Party within five Business Days of its receipt of such notice, and such notice shall, in the absence of manifest error, constitute prima facie evidence thereof and shall be binding on the Borrower.

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