hard · Asset-Backed Securities

In a 'step-up' OC structure, the target OC is 2.00% for months 1-12 and increases to 4.00% after month 12.

If a deal starts with 1.00% initial OC and has reached its 2.00% target by month 8, what happens to excess spread in months 9, 10, and 11?

  1. It continues to be trapped to reach the future 4.00% target early
  2. It is released to the residual holder
  3. It is deposited into the reserve account until month 12
  4. It is used to pay down the senior bonds pro-rata

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