SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 10-K/A
Amendment No.1
(Mark One)
/ x / ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 1999 or
/ / TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
Commission File No.: 333-02038
Provident Bank Home Equity Loan Trust
Home Equity Loan Asset-Backed Certs., Series 1999-3 Trust
(Exact name of registrant as specified in its charter)
New York 52-2198840
(State or other jurisdiction (I.R.S. Employer
of incorporation or Identification No.)
organization)
c/o Wells Fargo Bank Minnesota, N.A.
11000 Broken Land Parkway
Columbia, Maryland 21044
(Address of principal executive offices) (ZIP Code)
Registrant's telephone number, including area code:
(410) 884-2000
Securities to be registered pursuant to Section 12(b) of the Act:
NONE
Securities to be registered pursuant to Section 12(g) of the Act:
NONE
Indicate by check mark whether the registrant (1) has filed all reports required
to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
the preceding 12 months (or for such shorter period that the registrant was
required to file such reports), and (2) has been subject to such filing
requirements for the past 90 days.
Yes X No ___
This Amendment No. 1 on Form 10-K/A amends Item 14 of the original Annual Report
on Form 10-K (the "Original Form 10-K") filed on March 24, 2000, on behalf of
Provident Bank Home Equity Loan Trust Home Equity Loan Asset-Backed Certs.,
Series 1999-3 Trust established pursuant to the Pooling and Servicing Agreement
among Provident Bank as Seller, Document Custodian and Master Servicer, and
Wells Fargo Bank Minnesota,N.A. as the Trustee, pursuant to which the Provident
Bank Home Equity Loan Trust Home Equity Loan Asset-Backed Certs. Series 1999-3
Trust registered under the Securities Act of 1933 (the "Certificates")
were issued.
Item 14 of the original Form 10K is amended in its entirety to read as follows:
Item 14. Exhibits, Financial Statement Schedules, and Reports
on Form 8-K.
(a) Exhibits
(99.1) Annual Independent Accountants' Servicing Reports
concerning servicing activities for the year ended December
31, 1999.
a) PROVIDENT BANK <F1>
(99.2) Report of Management as to Compliance with Minimum
Servicing Standards for the year ended December 31, 1999.
a) PROVIDENT BANK <F1>
(99.3) Annual Statements of Compliance under the Pooling and
Servicing Agreements for the year ended December 31, 1999.
a) PROVIDENT BANK <F1>
(99.4) Aggregate Statement of Principal and Interest Distributions
to Certificates Holders. <F2>
(b) On November 8, 1999 and December 7, 1999, reports on Form 8-K
were filed by the Company in order to provide the statements
for the monthly distributions to holders of the Certificates.
No other reports on Form 8-K have been filed during the last
quarter of the period covered by this report.
(c) Not applicable.
(d) Omitted.
<F1> Filed herewith.
<F2> Previously filed.
SIGNATURE
Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange
Act of 1934, the registrant has duly caused this report to be signed on its
behalf by the undersigned, thereunto duly authorized:
Provident Bank Home Equity Loan Trust
Home Equity Loan Asset-Backed Certs., Series 1999-3
Signed: Wells Fargo Bank Minnesota, N.A., as Trustee
By: Sherri Sharps, Vice president
By: /s/ Sherri Sharps, Vice president
Dated: April 6, 2001
Exhibit Index
Exhibit No.
99.1 Annual Independent Accountants' Servicing Reports concerning servicing
activities for the year ended December 31, 1999.
a) PROVIDENT BANK <F1>
99.2 Report of Management as to Compliance with Minimum Servicing Standards
for the year ended December 31, 1999.
a) PROVIDENT BANK <F1>
99.3 Annual Statements of Compliance under the Pooling and Servicing
Agreements for the year ended December 31, 1999.
a) PROVIDENT BANK <F1>
99.4 Aggregate Statement of Principal and Interest Distributions to
Certificate Holders.<F2>
<F1> Filed herewith.
<F2> Previously filed.