UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D. C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 16, 2001 SOUNDVIEW HOME EQUITY LOAN TRUST Home Equity Loan Asset-Backed Certs., Series 2001-1 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-84929-07 Pooling and Servicing Agreement) (Commission (State or other File Number) 52-2316396 jurisdiction 52-2316397 of Incorporation) 52-2316398 IRS EIN c/o Wells Fargo Bank Minnesota, N.A. 11000 Broken Land Parkway Columbia, MD 21044 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (410) 884-2000 Former name or former address, if changed since last report) ITEM 5. Other Events On July 16, 2001 a distribution was made to holders of SOUNDVIEW HOME EQUITY LOAN TRUST, Home Equity Loan Asset-Backed Certs., Series 2001-1 Trust. ITEM 7. Financial Statements and Exhibits (c) Exhibits furnished in accordance with Item 601(a) of Regulation S-K Exhibit Number Description EX-99.1 Monthly report distributed to holders of Home Equity Loan Asset-Backed Certs., Series 2001-1 Trust, relating to the July 16, 2001 distribution. Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. SOUNDVIEW HOME EQUITY LOAN TRUST Home Equity Loan Asset-Backed Certs., Series 2001-1 Trust By: Wells Fargo Bank Minnesota, N.A. as Trustee By: /s/ Sherri Sharps, Vice President By: Sherri Sharps, Vice President Date: 7/21/01 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Home Equity Loan Asset-Backed Certs., Series 2001-1 Trust, relating to the July 16, 2001 distribution. EX-99.1 Soundview Mortgage Pass-Through Certificates Record Date: 6/30/01 Distribution Date: 7/16/01 SDV Series: 2001-1 Contact: Customer Service - CTSLink Wells Fargo Bank Minnesota, N.A. Securities Administration Services 7485 New Horizon Way Frederick, MD 21703 Telephone: (301) 815-6600 Fax: (301) 815-6660 Certificateholder Distribution Summary Certificate Certificate Beginning Class Pass-Through Certificate Interest Principal Class CUSIP Description Rate Balance Distribution Distribution A 83611PAJ0 SEN 6.26500% 90,103,592.48 470,415.84 1,602,255.58 IO 83611PAK7 SEN 7.00000% 0.00 250,446.43 0.00 M_1 83611PAL5 MEZ 7.10000% 6,335,000.00 37,482.08 0.00 M_2 83611PAM3 MEZ 7.10000% 4,223,000.00 24,986.08 0.00 B 83611PAN1 JUN 7.10000% 2,903,000.00 17,176.08 0.00 BIO SDV011BIO JUN 0.00000% 528.25 0.00 0.00 R_1 SDV0101R1 SEN 0.00000% 0.00 0.00 0.00 R_2 SDV0101R2 SEN 0.00000% 0.00 0.00 0.00 R_3 SDV0101R3 SEN 0.00000% 0.00 0.00 0.00 P SDV01001P JUN 0.00000% 100.00 29,696.67 0.00 Totals 103,565,220.73 830,203.18 1,602,255.58 Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses A 0.00 88,501,336.91 2,072,671.42 0.00 IO 0.00 0.00 250,446.43 0.00 M_1 0.00 6,335,000.00 37,482.08 0.00 M_2 0.00 4,223,000.00 24,986.08 0.00 B 0.00 2,903,000.00 17,176.08 0.00 BIO 0.00 528.25 0.00 0.00 R_1 0.00 0.00 0.00 0.00 R_2 0.00 0.00 0.00 0.00 R_3 0.00 0.00 0.00 0.00 P 0.00 100.00 29,696.67 0.00 Totals 0.00 101,962,965.16 2,432,458.76 0.00 <FN> All distributions required by the Pooling and Servicing Agreement have been calculated by the Certificate Administrator on behalf of the Trustee. </FN> Principal Distribution Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Realized Class Amount Balance Distribution Distribution Accretion Loss (1) A 92,125,000.00 90,103,592.48 0.00 1,602,255.58 0.00 0.00 IO 0.00 0.00 0.00 0.00 0.00 0.00 M_1 6,335,000.00 6,335,000.00 0.00 0.00 0.00 0.00 M_2 4,223,000.00 4,223,000.00 0.00 0.00 0.00 0.00 B 2,903,000.00 2,903,000.00 0.00 0.00 0.00 0.00 BIO 528.25 528.25 0.00 0.00 0.00 0.00 R_1 0.00 0.00 0.00 0.00 0.00 0.00 R_2 0.00 0.00 0.00 0.00 0.00 0.00 R_3 0.00 0.00 0.00 0.00 0.00 0.00 P 100.00 100.00 0.00 0.00 0.00 0.00 Totals 105,586,628.25 103,565,220.73 0.00 1,602,255.58 0.00 0.00 <FN> (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. </FN> Principal Distribution Statement (continued) Total Ending Ending Total Principal Certificate Certificate Principal Class Reduction Balance Percentage Distribution A 1,602,255.58 88,501,336.91 0.96066580 1,602,255.58 IO 0.00 0.00 0.00000000 0.00 M_1 0.00 6,335,000.00 1.00000000 0.00 M_2 0.00 4,223,000.00 1.00000000 0.00 B 0.00 2,903,000.00 1.00000000 0.00 BIO 0.00 528.25 1.00000000 0.00 R_1 0.00 0.00 0.00000000 0.00 R_2 0.00 0.00 0.00000000 0.00 R_3 0.00 0.00 0.00000000 0.00 P 0.00 100.00 1.00000000 0.00 Totals 1,602,255.58 101,962,965.16 0.96568066 1,602,255.58 Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion A 92,125,000.00 978.05799164 0.00000000 17.39219083 0.00000000 IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 M_1 6,335,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M_2 4,223,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 B 2,903,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 BIO 528.25 1000.00000000 0.00000000 0.00000000 0.00000000 R_1 0.00 0.00000000 0.00000000 0.00000000 0.00000000 R_2 0.00 0.00000000 0.00000000 0.00000000 0.00000000 R_3 0.00 0.00000000 0.00000000 0.00000000 0.00000000 P 100.00 1000.00000000 0.00000000 0.00000000 0.00000000 <FN> (2) All Classes are per $1,000 denomination. </FN> Principal Distribution Factors Statement (continued) Total Ending Ending Total Realized Principal Certificate Certificate Principal Class Loss (3) Reduction Balance Percentage Distribution A 0.00000000 17.39219083 960.66580092 0.96066580 17.39219083 IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 M_1 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M_2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 B 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 BIO 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 R_1 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R_2 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R_3 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 P 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 <FN> (3) Amount Does Not Include Excess Special Hazard, Bankrupcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description. </FN> Interest Distribution Statement Beginning Payment of Original Current Certificate/ Current Unpaid Current Face Certificate Notional Accrued Interest Interest Class Amount Rate Balance Interest Shortfall Shortfall A 92,125,000.00 6.26500% 90,103,592.48 470,415.84 0.00 0.00 IO 0.00 7.00000% 42,933,673.00 250,446.43 0.00 0.00 M_1 6,335,000.00 7.10000% 6,335,000.00 37,482.08 0.00 0.00 M_2 4,223,000.00 7.10000% 4,223,000.00 24,986.08 0.00 0.00 B 2,903,000.00 7.10000% 2,903,000.00 17,176.08 0.00 0.00 BIO 528.25 0.00000% 528.25 0.00 0.00 0.00 R_1 0.00 0.00000% 0.00 0.00 0.00 0.00 R_2 0.00 0.00000% 0.00 0.00 0.00 0.00 R_3 0.00 0.00000% 0.00 0.00 0.00 0.00 P 100.00 0.00000% 0.00 0.00 0.00 0.00 Totals 105,586,628.25 800,506.51 0.00 0.00 Interest Distribution Statement (continued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (4) Distribution Shortfall Balance A 0.00 0.00 470,415.84 0.00 88,501,336.91 IO 0.00 0.00 250,446.43 0.00 41,502,551.00 M_1 0.00 0.00 37,482.08 0.00 6,335,000.00 M_2 0.00 0.00 24,986.08 0.00 4,223,000.00 B 0.00 0.00 17,176.08 0.00 2,903,000.00 BIO 0.00 0.00 0.00 0.00 528.25 R_1 0.00 0.00 0.00 0.00 0.00 R_2 0.00 0.00 0.00 0.00 0.00 R_3 0.00 0.00 0.00 0.00 0.00 P 0.00 0.00 29,696.67 0.00 0.00 Totals 0.00 0.00 830,203.18 0.00 <FN> (4) Amount Does Not Include Excess Special Hazard, Bankrupcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description. </FN> Interest Distribution Factors Statement Beginning Payment of Original Current Certificate/ Current Unpaid Current Face Certificate Notional Accrued Interest Interest Class (5) Amount Rate Balance Interest Shortfall Shortfall A 92,125,000.00 6.26500% 978.05799164 5.10627777 0.00000000 0.00000000 IO 0.00 7.00000% 1000.00000000 5.83333343 0.00000000 0.00000000 M_1 6,335,000.00 7.10000% 1000.00000000 5.91666614 0.00000000 0.00000000 M_2 4,223,000.00 7.10000% 1000.00000000 5.91666588 0.00000000 0.00000000 B 2,903,000.00 7.10000% 1000.00000000 5.91666552 0.00000000 0.00000000 BIO 528.25 0.00000% 1000.00000000 0.00000000 0.00000000 0.00000000 R_1 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 R_2 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 R_3 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 P 100.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 <FN> (5) All Classes are per $1,000 denomination. </FN> Interest Distribution Factors Statement (continued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (6) Distribution Shortfall Balance A 0.00000000 0.00000000 5.10627777 0.00000000 960.66580092 IO 0.00000000 0.00000000 5.83333343 0.00000000 966.66667676 M_1 0.00000000 0.00000000 5.91666614 0.00000000 1000.00000000 M_2 0.00000000 0.00000000 5.91666588 0.00000000 1000.00000000 B 0.00000000 0.00000000 5.91666552 0.00000000 1000.00000000 BIO 0.00000000 0.00000000 0.00000000 0.00000000 1000.00000000 R_1 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R_2 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R_3 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 P 0.00000000 0.00000000 296966.70000000 0.00000000 0.00000000 <FN> (6) Amount Does Not Include Excess Special Hazard, Bankrupcy,or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description. </FN> CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and Principal 2,150,050.03 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 336,107.65 Realized Losses 0.00 Total Deposits 2,486,157.68 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee 53,698.92 Payment of Interest and Principal 2,432,458.76 Total Withdrawals (Pool Distribution Amount) 2,486,157.68 Ending Balance 0.00 PREPAYMENT/CURTAILMENT INTEREST SHORTFALL Total Prepayment/Curtailment Interest Shortfall 0.00 Servicing Fee Support 0.00 Non-Supported Prepayment/Curtailment Interest Shortfall 0.00 SERVICING FEES Gross Servicing Fee 43,479.70 Trustee Fee- Wells Fargo Bank 2,596.16 FSA - Policy # 51074-N 6,757.77 Master Serv Fee 865.29 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee 53,698.92 OTHER ACCOUNTS Beginning Current Current Ending Account Type Balance Withdrawals Deposits Balance Reserve Fund 5,000.00 0.00 0.00 5,000.00 Financial Guaranty 0.00 0.00 0.00 0.00 LOAN STATUS STRATIFICATION/CREDIT ENHANCEMENT STATEMENT DELINQUENCY STATUS DELINQUENT BANKRUPTCY FORECLOSURE REO Total No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 63 0 0 0 63 4,045,561.21 0.00 0.00 0.00 4,045,561.21 60 Days 39 0 0 0 39 2,508,291.17 0.00 0.00 0.00 2,508,291.17 90 Days 44 0 0 0 44 2,504,695.61 0.00 0.00 0.00 2,504,695.61 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180+ Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 146 0 0 0 146 9,058,547.99 0.00 0.00 0.00 9,058,547.99 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 4.455446% 0.000000% 0.000000% 0.000000% 4.455446% 3.950710% 0.000000% 0.000000% 0.000000% 3.950710% 60 Days 2.758133% 0.000000% 0.000000% 0.000000% 2.758133% 2.449482% 0.000000% 0.000000% 0.000000% 2.449482% 90 Days 3.111740% 0.000000% 0.000000% 0.000000% 3.111740% 2.445971% 0.000000% 0.000000% 0.000000% 2.445971% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180+ Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 10.325318% 0.000000% 0.000000% 0.000000% 10.325318% 8.846162% 0.000000% 0.000000% 0.000000% 8.846162% Delinquency Status By Groups DELINQUENT BANKRUPTCY FORECLOSURE REO Total 1 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 41 0 0 0 41 2,472,874.93 0.00 0.00 0.00 2,472,874.93 60 Days 22 0 0 0 22 1,193,292.34 0.00 0.00 0.00 1,193,292.34 90 Days 24 0 0 0 24 1,461,186.57 0.00 0.00 0.00 1,461,186.57 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 87 0 0 0 87 5,127,353.84 0.00 0.00 0.00 5,127,353.84 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 4.137235% 0.000000% 0.000000% 0.000000% 4.137235% 3.594191% 0.000000% 0.000000% 0.000000% 3.594191% 60 Days 2.219980% 0.000000% 0.000000% 0.000000% 2.219980% 1.734386% 0.000000% 0.000000% 0.000000% 1.734386% 90 Days 2.421796% 0.000000% 0.000000% 0.000000% 2.421796% 2.123756% 0.000000% 0.000000% 0.000000% 2.123756% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 8.779011% 0.000000% 0.000000% 0.000000% 8.779011% 7.452333% 0.000000% 0.000000% 0.000000% 7.452333% DELINQUENT BANKRUPTCY FORECLOSURE REO Total 2 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 22 0 0 0 22 1,572,686.28 0.00 0.00 0.00 1,572,686.28 60 Days 17 0 0 0 17 1,314,998.83 0.00 0.00 0.00 1,314,998.83 90 Days 20 0 0 0 20 1,043,509.04 0.00 0.00 0.00 1,043,509.04 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 59 0 0 0 59 3,931,194.15 0.00 0.00 0.00 3,931,194.15 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 5.200946% 0.000000% 0.000000% 0.000000% 5.200946% 4.680770% 0.000000% 0.000000% 0.000000% 4.680770% 60 Days 4.018913% 0.000000% 0.000000% 0.000000% 4.018913% 3.913817% 0.000000% 0.000000% 0.000000% 3.913817% 90 Days 4.728132% 0.000000% 0.000000% 0.000000% 4.728132% 3.105785% 0.000000% 0.000000% 0.000000% 3.105785% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 13.947991% 0.000000% 0.000000% 0.000000% 13.947991% 11.700373% 0.000000% 0.000000% 0.000000% 11.700373% <FN> (7) The 120 category for delinquent, bankruptcy, foreclosure, and REO contains loans that are 120 days or more delinquent. </FN> OTHER INFORMATION Current Period Realized Loss - Includes Interest Shortfall 0.00 Cumulative Realized Losses - Includes Interest Shortfall 0.00 Current Period Class A Insufficient Funds 0.00 Principal Balance of Contaminated Properties 0.00 Periodic Advance 336,107.65 COLLATERAL STATEMENT Collateral Description Mixed Fixed & Arm Weighted Average Gross Coupon 11.439520% Weighted Average Net Coupon 10.929521% Weighted Average Pass-Through Rate 10.899518% Weighted Average Maturity(Stepdown Calculation ) 357 Beginning Scheduled Collateral Loan Count 1,433 Number Of Loans Paid In Full 19 Ending Scheduled Collateral Loan Count 1,414 Beginning Scheduled Collateral Balance 103,836,332.22 Ending Scheduled Collateral Balance 102,369,736.18 Ending Actual Collateral Balance at 30-Jun-2001 102,400,877.14 Monthly P &I Constant 1,110,188.68 Ending Scheduled Balance for Premium Loans 102,369,736.18 Required Overcollateralization Amount 0.00 Overcollateralized Increase Amount 135,659.62 Overcollateralized reduction Amount 0.00 Specified O/C Amount 2,322,892.00 Overcollateralized Amount 406,771.11 Overcollateralized Deficiency Amount 2,051,780.51 Base Overcollateralized Amount 0.00 Extra principal distribution Amount 0.00 Excess Cash Amount 135,659.62 Cumulative Loss Event Occurred NO Delinquency Event Occurred NO Curtailments $9,635.60 Group Level Collateral Statement Group 1 2 Total Collateral Description Fixed 15/30 & ARM Fixed 15/30 & ARM Mixed Fixed & Arm Weighted Average Coupon Rate 11.503913 12.382598 11.439520 Weighted Average Net Rate 10.950219 11.832597 10.929521 Weighted Average Maturity 0 0 357 Beginning Loan Count 1,003 430 1,433 Loans Paid In Full 12 7 19 Ending Loan Count 991 423 1,414 Beginning Scheduled Balance 69,708,082.89 34,128,249.33 103,836,332.22 Ending scheduled Balance 68,777,447.17 33,592,289.01 102,369,736.18 Record Date 06/30/2001 06/30/2001 06/30/2001 Principal And Interest Constant 745,299.49 364,889.19 1,110,188.68 Scheduled Principal 77,036.38 12,725.54 89,761.92 Unscheduled Principal 853,599.34 523,234.78 1,376,834.12 Scheduled Interest 668,263.11 352,163.65 1,020,426.76 Servicing Fees 29,840.56 14,504.52 44,345.08 Master Servicing Fees 0.00 0.00 0.00 Trustee Fee 1,742.69 853.21 2,595.90 FRY Amount 580.88 284.41 865.29 Special Hazard Fee 0.00 0.00 0.00 Other Fee 0.00 0.00 0.00 Pool Insurance Fee 0.00 0.00 0.00 Spread Fee 1 0.00 0.00 0.00 Spread Fee 2 0.00 0.00 0.00 Spread Fee 3 0.00 0.00 0.00 Net Interest 636,098.98 336,521.51 972,620.49 Realized Loss Amount 0.00 0.00 0.00 Cumulative Realized Loss 0.00 0.00 0.00 Percentage of Cumulative Losses 0.00 0.00 0.00