RMAC REMIC TRUST, SERIES

Transcription

1 Monthly Report for Distribution dated Sep 16, 216 Global Corporate Trust Services

2 DISTRIBUTION PACKAGE TABLE OF CONTENTS Statement to Certificateholders Page 1 Delinquency Report Page 4 Delinquency History Report - Six Months Page 5 Bankruptcy Loan Detail Report Page 6 Foreclosure Loan Detail Report Page 8 REO Loan Detail Report Page 13 Prepayment & Liquidation Loan Detail Report Page 14 DATES First Distribution Date: March 15, 216 Settlement Date: Cutoff Date: February 1, 216 PARTIES TO THE TRANSACTION Servicer(s): Rushmore Loan Management Services LLC Certificate Insurer(s): Roosevelt Management Company Underwriter(s): ADMINISTRATOR Name: Title: Phone: Fax: Address: Kimberley Trego Account Administrator kimberley.trego@usbank.com 6 Livingston Ave., St Paul, MN 5517 Website: The Trustee, at the direction of the Depositor, and based upon information provided in the Mortgage Loan Schedule or by the Servicer, is furnishing this information to each Certificateholder. The Depositor and/or the Servicer may discontinue the furnishing of this Supplemental Report (other than the Payment Date Statement), or may change its format, at any time and without notice to any Certificateholder. While the above parties have undertaken efforts to ensure the reasonable accuracy of this information, this information has not been audited and the parties make no representation as to the accuracy or completeness of the information.

3 STATEMENT TO TO CERTIFICATEHOLDERS Distribution Date: Sep 16, 16, Accrual Period: Begin End 8/1/216 8/31/216 Distribution Summary: Pass Applied Loss Through Original Beginning Principal Interest In-Kind Amounts Total Ending Class Rate Balance Balance Paid Paid * Distribution ** Recovered Paid Balance A N/A 1,364,.... N/A N/A.. B % 11,24,. 98,5, , , ,355, N/A 423, ,49,51.97 R N/A.... N/A N/A.. Totals: 12,64,. 98,5, , ,571.9 N/A N/A 423, ,49,51.97 *The interest amount reported in September 216 includes the interest adjustment for the reduction in Security Principal Balance by the FMV of the in-kind distribution from May 216 to August 216 **The in-kind distribution amount reported in September 216 includes the total FMV of the in-kind distribution from May 216 to August 216. Amounts Per 1,: Beginning Principal Interest In-Kind Ending Class Cusip Balance Paid Paid Distribution Balance Index Value A RMACRT162A... N/A. B RMACRT162B R RMACRT162R... N/A. INTEREST DETAIL: Beginning Accrued Allocation of Total Ending Index + Carryforward Interest Net PPIS & Interest Carryforward Class Margin Interest Relief Act Paid Interest A N/A N/A N/A N/A N/A N/A B N/A (.) 138, ,571.9 (.) R N/A N/A N/A N/A N/A N/A Page 1 of 14

4 STATEMENT TO TO CERTIFICATEHOLDERS Distribution Date: Sep 16, 16, COLLATERAL INFORMATION Reconciliation: Pool Balance Information: Available funds (A): Prior Ending Balance 9,269,71.28 Servicer remittance 423, Transferred out Loans Balance 3,949, Interest Earnings 5.28 Addition Loans Balance. *Beginning Balance 86,32,33.32 Repurchase/Purchase Price Deposited to Certificate Account. Less: Principal Remittance 428,356.5 Funds From Transferred Loans. 423, Less: Realized Losses 475, Distributions (B): Ending Balance 85,416, Extraordinary Trust Fund Expenses. Principal Remittance: Acceptance Fee. Principal 428,356.5 Legal Fee. Liquidation principal. Administration Fee. Repurchase principal. Custodian fee. Total interest distributed 138,571.9 Total principal distributed 285, Funds from Transferred Loans. 423, Total Principal Remittance (A): 428,356.5 (A) - (B):. Prepayment Premiums (B). Interest Remittance (C) (4,527.37) Total Remit (A)+(B)+(C): 423, Aggregate Collateral Balance 85,416, Addition Loans - Current Unpaid Administration Fee. Addition Loans -Cumulative 562 Unpaid Acceptance Fee.. Transferred out Loans-Current 24 Unpaid Legal Fee. Transferred out Loans-Cumulative 151 * The beginning balance includes the balance of the transferred/addition loans Page 2 of 14

5 STATEMENT TO CERTIFICATEHOLDERS S COLLATERAL/REMITTANCE SUMMARY POOL BALANCE INFORMATION: Beginning Balance 86,32,33.32 Less: Principal Remittance 428,356.5 Plus: Negative Amortization. Plus: Draws (If Applicable). Less: Net Realized Losses 475, Ending Balance 85,416, PRINCIPAL REMITTANCE: Scheduled Principal 52, Prepayments. Curtailments (92,169.61) Net Liquidation Proceeds. Repurchase Principal. Total Principal Remittance (A) 428,356.5 INTEREST REMITTANCE: Gross Interest 214, Less: Total Retained Fees 9, Less: Deferred Interest. Less: Relief Act Interest Shortfall. Less: Net Prepayment Interest Shortfall. Less: Net Nonrecoverable Advances 128, Less: Interest Loss. Net Interest Remittance From Servicer(s) (B) (4,527.37) Prepayment Premiums (C). Other Funds (D). REMITTANCE TO TRUST (A+B+C+D): 423, OTHER INFORMATION: Beginning Loan Count 431. Ending Loan Count 426. Ending Pool Factor.86 Liquidated Loans - Balance 957,912.3 Negative Amortization - Count. Negative Amortization - Balance. Substitution In Loans. Substitution Out Loans 3,949, Substitution Adjustment - Principal 3,949, Loans w/ Prepayment Penalties - Balance. Loans w/ Prepayment Penalties - Count. Repurchase Loans - Count. Subsequent Recoveries. NON-RETAINED FEES: Excess Servicing Fee. RETAINED FEES: Servicing Fee 9, LPMI. Special Servicing Fee. Additional Master Servicing Fee. Backup Servicing Fee. Supplemental Insurance Fee. Retained Interest. Page 3 of 14

6 DELINQUENCY SUMMARY REPORT Delinquent Bankruptcy Foreclosure REO TOTAL Loan Count Sched Bal Percentage* Actual Bal Loan Count Sched Bal Percentage* Actual Bal Loan Count Sched Bal Percentage* Actual Bal Loan Count Sched Bal Percentage* Actual Bal Loan Count Sched Bal Percentage* Actual Bal Current 3-59 days 6-89 days days 12 + days TOTAL ,453, ,41, ,359, , ,643, ,23, % 1.65% 1.59%.42% 7.78% 22.51% 1,961, ,567, ,56, , ,197, ,595, , , , ,79, ,161, %.56%.47%.% 11.46% 13.7% 515, , , ,53, ,957, ,24,2.5 55,24,2.5.%.%.%.% 64.42% 64.42% ,226, ,226, %.%.%.%.%.% ,947, ,887, ,76, , ,458, ,416, % 2.21% 2.6%.42% 83.66% 1.% 11,477, ,44, ,94, , ,954, ,779, days 6-89 days 3-59 days Current Current 11.6% 3-59 days 2.2% 6-89 days 2.1% days.4% 12 + days 83.7% Total: 1.% 12 + days * Percentages are based on scheduled balance as a percent of total pool scheduled balance days 6-89 days days 12 + days TOTAL Count Balance ($) % of Bal* Count Balance ($) % of Bal* Count Balance ($) % of Bal* Count Balance ($) % of Bal* Count Balance ($) % of Bal* Delinquent 9 1,41, % 7 1,359, % 4 362, % 32 6,643, % 52 9,776, % Bankruptcy 2 476, % 2 4, %..% 53 9,79, % 57 1,667, % Foreclosure..%..%..% ,24, % ,24, % REO..%..%..%..%..% TOTAL 11 1,887, % 9 1,76, % 4 362, % ,458, % ,468, % % % % % days Delinquent 6-89 days Bankruptcy Group days Group 1 Foreclosure 12 + days REO Distribution of Delinquencies By Group and Days. (total 1%) Distribution of Delinquencies By Group and Status Type. (total 1%) * Percentages are based on scheduled balance as a percent of total delinquent scheduled balance. Page 4 of 14

7 DELINQUENCY HISTORY REPORT - SIX MONTHS * Delinquency counts and amounts include loans in Bankruptcy, Forclosure and REO's April 216 May 216 June 216 July 216 August 216 September 216 Count Balance ($) Count Balance ($) Count Balance ($) Count Balance ($) Count Balance ($) Count Balance ($) 3-59 days 8 1,271, ,245, , ,819, ,961, ,887, days 5 632, , , , , ,76, days 7 1,583, , , , , , days 28 4,58, ,395, ,637, ,46, ,954, ,458,61.9 Bankruptcy 4 712, , , ,622, ,721, ,161,765.7 Foreclosure ,184, ,77, ,474, ,24,2.5 REO days 6-89 days days 12 + days 1M 1M 1M 1M 9M 9M 9M 9M 8M 8M 8M 8M 7M 7M 7M 7M Balance ($) 6M 5M 4M Balance ($) 6M 5M 4M Balance ($) 6M 5M 4M Balance ($) 6M 5M 4M 3M 3M 3M 3M 2M 2M 2M 2M 1M 1M 1M 1M M 4/1/216 5/1/216 6/1/216 7/1/216 8/1/216 9/1/216 M 4/1/216 5/1/216 6/1/216 7/1/216 8/1/216 9/1/216 M 4/1/216 5/1/216 6/1/216 7/1/216 8/1/216 9/1/216 M 4/1/216 5/1/216 6/1/216 7/1/216 8/1/216 9/1/216 Bankruptcy Foreclosure REO 1M 1M 1M 9M 9M 9M 8M 8M 8M 7M 7M 7M Balance ($) 6M 5M 4M Balance ($) 6M 5M 4M Balance ($) 6M 5M 4M 3M 3M 3M 2M 2M 2M 1M 1M 1M M 4/1/216 5/1/216 6/1/216 7/1/216 8/1/216 9/1/216 M 4/1/216 5/1/216 6/1/216 7/1/216 8/1/216 9/1/216 M 4/1/216 5/1/216 6/1/216 7/1/216 8/1/216 9/1/216 Page 5 of 14

8 BANKRUPTCY LOAN DETAIL REPORT Bankruptcy Count Balance ($) % 6 11,161, % Loan Number Original Balance Ending Balance Rate % Next Due Date Orig Term State Lien ,. 42, % 7/1/ NJ ,14. 74, % 7/1/ TX ,. 149,97..2% 9/1/ IL , , % 6/1/ CA ,5. 79, % 5/1/ GA ,. 184, % 2/1/ FL ,9. 146, % 12/1/ OH , , % 2/1/ PA ,. 76, % 5/1/ MS , , % 8/1/ OH ,5. 186, % 11/1/ PA ,. 148, % 5/1/ ME , , % 5/1/ WI ,3. 84, % 5/1/ WI ,. 173, % 12/1/ MD ,. 194,2.91.2% 9/1/ PA ,6. 184, % 7/1/ MD ,6. 146, % 12/1/ IL , , % 6/1/ CA ,9. 246, % 6/1/ VA , , % 3/1/ PA , , % 1/1/ OH ,. 75, % 7/1/ OH ,. 416, % 6/1/ OR ,. 16, % 11/1/ VA ,699. 4, % 5/1/ AL , ,779..6% 1/1/ PA , , % 4/1/ OH ,. 18, % 9/1/ SC ,. 133, % 9/1/ NV , , % 5/1/ MD ,. 338, % 12/1/ NJ ,. 134, % 3/1/21 36 FL ,2. 181, % 9/1/ FL ,5. 271, % 9/1/ CA ,. 56, % 3/1/ IN ,. 149, % 8/1/ UT ,5. 394, % 8/1/ FL ,. 316, % 4/1/ IN ,6. 187, % 12/1/ MA ,. 169, % 3/1/ GA ,. 27, % 1/1/ VA 1 Page 6 of 14

9 BANKRUPTCY LOAN DETAIL REPORT Loan Number Original Balance Ending Balance Rate % Next Due Date Orig Term State Lien ,. 97, % 4/1/ FL ,. 249, % 2/1/ MD ,. 132, % 7/1/ AZ ,. 168, % 12/1/ PA ,8. 174, % 4/1/ AZ ,5. 11, % 8/1/ MD , ,81.9.7% 1/1/ TX ,2. 331, % 9/1/ IL ,. 279, % 1/1/ SC ,. 159, % 4/1/ FL ,. 346, % 1/1/ NC ,. 15, % 1/1/ IN ,6. 296, % 3/1/ WI ,2. 284, % 8/1/ NC ,5. 29, % 5/1/ MI ,5. 21, % 5/1/ MD ,5. 57, % 11/1/ TN ,7. 211, % 1/1/ MI 1 Total: 6 12,345, ,161,765.7 Page 7 of 14

10 FORECLOSURE LOAN DETAIL REPORT Foreclosure Count Balance ($) % ,24,2.5 1.% Loan Number Original Balance Ending Balance Rate % Next Due Date Orig Term State Lien ,2. 76, % 1/1/ TN ,. 395,5.49.2% 12/1/ NY ,15. 9, % 2/1/ LA , , % 1/1/ NJ , , % 9/1/ CA ,. 117,253..2% 9/1/ MD , , % 1/1/ NY ,5. 269, % 9/1/ CT ,. 31, % 1/1/ NY ,. 31, % 1/1/ MI ,95. 62, % 9/1/ NC ,. 11, % 8/1/ GA ,. 79, % 5/1/ MN ,. 138, % 8/1/ FL ,93. 66, % 5/1/ IN ,. 221,9.53.6% 4/1/ NJ ,. 195,33.9.7% 2/1/ PA ,25. 62, % 4/1/ AL ,7. 74, % 9/1/ VT ,76. 91, % 1/1/ MA , , % 5/1/ DC ,2. 268, % 2/1/ NJ ,6. 178, % 8/1/ PA ,75. 92, % 4/1/29 36 NJ ,75. 85, % 8/1/ MD ,6. 13, % 11/1/28 36 NJ ,. 151, % 4/1/ DC , , % 11/1/ FL ,9. 213, % 1/1/ NJ ,1. 119, % 12/1/ DC ,. 96, % 2/1/ TX ,. 84, % 11/1/ FL , , % 11/1/ NJ ,. 74, % 9/1/29 36 NY ,. 194, % 4/1/ MA ,. 179, % 1/1/ MA ,. 24,13.6.4% 4/1/ MA ,5. 129, % 4/1/21 36 FL , , % 5/1/ NV , , % 6/1/ NV ,8. 83, % 7/1/ NM ,6. 318, % 1/1/ HI 1 Page 8 of 14

11 FORECLOSURE LOAN DETAIL REPORT Loan Number Original Balance Ending Balance Rate % Next Due Date Orig Term State Lien ,4. 15, % 8/1/ WV , , % 1/1/ NJ ,75. 77, % 12/1/ OH ,. 384, % 5/1/ MD ,. 473,458..4% 9/1/ NY ,2. 26, % 11/1/ MA ,5. 77, % 1/1/ OH ,. 316, % 1/1/ WA ,. 252, % 4/1/ CA , , % 4/1/ NV , ,325..7% 1/1/ MD ,. 325, % 7/1/ WI ,. 15, % 3/1/ FL ,. 153, % 8/1/ MA ,. 63, % 7/1/ WI ,. 214, % 8/1/21 33 NJ , , % 3/1/21 36 NV ,3. 271, % 3/1/21 36 NJ ,6. 67, % 7/1/ NY ,. 73, % 2/1/ IN ,4. 174,4..7% 3/1/ NV ,. 12, % 1/1/ FL ,5. 91, % 4/1/ NJ ,. 227, % 11/1/ IL ,5. 38, % 1/1/ FL ,. 323, % 1/1/21 36 NY , , % 11/1/ NJ ,8. 125, % 1/1/ PA ,. 12, % 2/1/ NJ , ,11.3.7% 4/1/ NY , , % 8/1/29 36 NY ,2. 373, % 8/1/ NJ ,. 193, % 11/1/21 36 NJ ,. 55, % 4/1/ PA ,. 417,..8% 4/1/28 36 NY ,3. 315, % 9/1/29 36 NY ,5. 38, % 5/1/ NY ,. 14, % 1/1/ WI ,5. 328, % 4/1/ NY ,. 255, % 8/1/ NY ,. 29, % 3/1/ PA , , % 4/1/ DE ,. 11, % 1/1/ GA ,. 255, % 7/1/ NM ,1. 1, % 9/1/ WA ,. 455, % 2/1/ MA , , % 7/1/28 36 NY ,4. 378, % 9/1/ HI ,2. 256, % 1/1/ NJ ,. 522, % 1/1/ NY ,2. 133, % 11/1/29 36 NJ ,. 29, % 1/1/ DE ,. 18, % 7/1/ NJ ,9. 36, % 2/1/ PA ,. 66, % 9/1/ KY , , % 1/1/ CT ,9. 185,12.3.5% 1/1/ CA 1 Page 9 of 14

12 FORECLOSURE LOAN DETAIL REPORT Loan Number Original Balance Ending Balance Rate % Next Due Date Orig Term State Lien , , % 2/1/ NJ , , % 9/1/ MD , , % 5/1/ NY ,7. 23, % 12/1/29 36 NJ ,7. 328, % 11/1/ PA , , % 9/1/29 36 NJ ,25. 89,51.8.6% 11/1/ SC , , % 7/1/27 36 NY ,8. 81, % 6/1/ NV ,. 149, % 5/1/ NY , , % 8/1/ FL ,. 124, % 9/1/ ME ,2. 8, % 1/1/ IL ,. 296, % 9/1/ NY ,8. 137, % 9/1/ SC ,2. 26, % 12/1/29 36 NY ,. 84, % 12/1/ FL ,2. 183,2..7% 8/1/21 36 MA , ,4.31.7% 3/1/29 36 NY , , % 6/1/29 36 NY ,. 144,15.7.7% 1/1/21 36 FL ,. 32, % 7/1/ MD ,. 3,..7% 1/1/ WV ,6. 357,6..6% 3/1/29 36 NY ,. 152, % 9/1/ PA ,. 256, % 1/1/ MD ,. 273, % 6/1/ NY ,5. 156, % 1/1/ OR ,. 318, % 1/1/29 36 NV ,3. 114, % 2/1/ FL ,6. 242, % 12/1/ MA ,. 372, % 3/1/ NY ,. 163, % 9/1/ MA ,2. 452, % 7/1/ NM ,58. 91, % 1/1/ PA ,1. 617, % 8/1/ NY ,. 21, % 1/1/ IL , , % 7/1/ DE ,. 169, % 9/1/ DE ,. 298, % 9/1/ NJ ,. 211, % 3/1/ PA ,. 236, % 4/1/ FL ,. 382, % 11/1/ NJ ,8. 246, % 8/1/ MA ,. 243, % 3/1/ MA ,. 296, % 8/1/21 36 NJ ,. 384, % 5/1/29 36 NY ,. 122, % 9/1/21 36 DC ,3. 183, % 2/1/ DC ,5. 167, % 6/1/28 36 NJ ,. 34, % 1/1/ FL , , % 6/1/ NJ ,. 81, % 1/1/ GA ,3. 8,9.9.5% 9/1/ GA ,5. 19, % 5/1/ NY , , % 1/1/ PA , , % 6/1/ NJ 1 Page 1 of 14

13 FORECLOSURE LOAN DETAIL REPORT Loan Number Original Balance Ending Balance Rate % Next Due Date Orig Term State Lien , , % 2/1/ CT , , % 1/1/ NY ,. 183, % 11/1/ NJ ,2. 171, % 7/1/ PA ,. 126, % 12/1/21 36 FL , , % 5/1/ FL ,. 271, % 12/1/21 36 MA ,. 27, % 2/1/ MA , , % 4/1/ NY ,. 297, % 1/1/21 36 NJ ,9. 118, % 9/1/ FL ,. 282, % 11/1/ MN , , % 1/1/ ME ,. 9, % 12/1/ IL ,. 131, % 9/1/ FL ,. 33, % 7/1/ CA ,. 166, % 9/1/ MA ,. 233, % 9/1/ NY ,. 28, % 4/1/ FL ,. 11, % 1/1/ FL ,5. 292, % 1/1/ NJ , , % 1/1/ NY , , % 12/1/ NY ,. 42,7.47.4% 9/1/ NJ ,. 112, % 7/1/ OH ,6. 87, % 8/1/21 48 OR ,8. 132, % 1/1/ RI ,8. 89, % 8/1/ PA ,6. 121, % 5/1/ NH ,. 87, % 11/1/ IL ,. 17, % 7/1/ MA ,. 23, % 1/1/ FL ,3. 119, % 1/1/21 36 DE ,. 14, % 1/1/ MA ,. 269, % 3/1/ NJ ,. 92, % 6/1/29 36 NJ ,. 24, % 7/1/ CT ,. 363, % 1/1/ OR , , % 5/1/29 48 NY ,. 197,..7% 1/1/ FL ,. 113, % 11/1/29 36 DC ,. 68, % 9/1/ NC , , % 5/1/ MA ,. 324, % 6/1/29 36 NY ,7. 17, % 4/1/29 36 NJ ,. 392, % 3/1/ NY ,84. 82, % 9/1/ LA ,2. 9, % 4/1/ OK ,. 64, % 4/1/ NJ ,. 187, % 6/1/ CT ,. 142, % 2/1/ MD , , % 8/1/ NJ ,. 273, % 6/1/ NJ ,5. 36, % 3/1/ MD ,3. 18, % 1/1/21 36 DC ,. 39, % 1/1/ NY ,. 133, % 8/1/ NJ 1 Page 11 of 14

14 FORECLOSURE LOAN DETAIL REPORT Loan Number Original Balance Ending Balance Rate % Next Due Date Orig Term State Lien ,5. 376, % 2/1/21 36 NY ,4. 19, % 8/1/ NJ ,5. 377, % 1/1/ OR ,. 238,5.72.5% 1/1/ NM ,2. 141, % 5/1/ PA ,4. 32, % 8/1/ DE ,5. 84, % 1/1/ GA ,. 183, % 1/1/ IL ,. 66, % 2/1/ MA ,. 113, % 12/1/ MA ,. 147, % 1/1/ FL ,. 21, % 3/1/ MA ,. 179, % 5/1/ MA ,. 243, % 4/1/21 36 MA ,. 168, % 5/1/ MA ,. 8, % 2/1/ FL ,. 265, % 9/1/ FL ,. 299,89.2.7% 1/1/ NY ,. 58, % 1/1/21 36 NJ , , % 8/1/ FL ,5. 121,97.9.5% 9/1/ CT ,3. 91, % 6/1/ ID , , % 11/1/ HI , , % 3/1/ DE ,. 323, % 4/1/ MD ,5. 194, % 9/1/ CA , , % 1/1/ CA , , % 7/1/ PA , , % 1/1/ PA , , % 5/1/ NY ,2. 245, % 6/1/ ME , , % 1/1/ NJ ,8. 29,331..6% 2/1/ IL , , % 4/1/ NJ ,8. 132, % 4/1/ DE , , % 7/1/ CA , , % 1/1/ HI ,. 116, % 1/1/ MA , ,98.3.5% 4/1/ MA ,1. 127, % 4/1/ ME ,. 266, % 1/1/ NM , , % 9/1/ FL ,2. 199, % 9/1/ IL , , % 7/1/ OR ,. 451, % 11/1/21 36 CT ,. 596,..7% 4/1/28 36 HI ,. 15, % 11/1/ WI ,6. 262, % 3/1/ NV ,. 183, % 1/1/ NV ,. 75, % 2/1/ NY , , % 8/1/ NV , , % 1/1/ CT ,4. 162, % 6/1/ PA 1 Total: ,313,58. 55,24,2.5 Page 12 of 14

15 REO LOAN DETAIL REPORT # None # Loan Number Original Balance Ending Balance Rate % Next Due Date Orig Term New REO? Book Value State Lien Scheduled Principal REO Date Actual Ending Balance (UPB) Total: Page 13 of 14

16 PREPAYMENT & LIQUIDATION LOAN DETAIL REPORT Original Group Count Balance Prepayment Liquidation Begin Balance 5 982, ,32, % 1 Prepayment.% Liquidation.% Beginning Balance 1.% Total: 1.% Loan Num Original Beginning Scheduled Prepayments Liquidation Loss Add'l Loss Payoff Description Paid Off Add'l Loss Loan Loss Prepay State Lien Balance Balance Principal Incl Curtail Proceeds Date Date Rate Severit Penalty ,8. 211, , , Liquidation.41% 76.21%. NJ ,. 4, , , Liquidation.23% 33.35%. NV ,5. 193, , , Liquidation.61% 55.72%. NV ,. 34, , Liquidation.73% 1.%. PA ,. 117,. 78, , Liquidation.59% 32.58%. OR 1 Total: 5 982,3. 957, , , Page 14 of 14