0001539497-14-000113.txt : 20140131 0001539497-14-000113.hdr.sgml : 20140131 20140131153929 ACCESSION NUMBER: 0001539497-14-000113 CONFORMED SUBMISSION TYPE: FWP PUBLIC DOCUMENT COUNT: 3 FILED AS OF DATE: 20140131 DATE AS OF CHANGE: 20140131 SUBJECT COMPANY: COMPANY DATA: COMPANY CONFORMED NAME: WFRBS Commercial Mortgage Trust 2014-LC14 CENTRAL INDEX KEY: 0001596958 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] STATE OF INCORPORATION: NC FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: FWP SEC ACT: 1934 Act SEC FILE NUMBER: 333-172366-12 FILM NUMBER: 14564621 BUSINESS ADDRESS: STREET 1: 301 SOUTH COLLEGE STREET CITY: CHARLOTTE STATE: NC ZIP: 28228-0166 BUSINESS PHONE: 7043832556 MAIL ADDRESS: STREET 1: 301 SOUTH COLLEGE STREET CITY: CHARLOTTE STATE: NC ZIP: 28228-0166 FILED BY: COMPANY DATA: COMPANY CONFORMED NAME: WELLS FARGO COMMERCIAL MORTGAGE SECURITIES INC CENTRAL INDEX KEY: 0000850779 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] IRS NUMBER: 561643598 STATE OF INCORPORATION: NC FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: FWP BUSINESS ADDRESS: STREET 1: 301 SOUTH COLLEGE STREET CITY: CHARLOTTE STATE: NC ZIP: 28228-0166 BUSINESS PHONE: 7043832556 MAIL ADDRESS: STREET 1: 301 SOUTH COLLEGE STREET CITY: CHARLOTTE STATE: NC ZIP: 28228-0166 FORMER COMPANY: FORMER CONFORMED NAME: WACHOVIA COMMERCIAL MORTGAGE SECURITIES INC DATE OF NAME CHANGE: 20020304 FORMER COMPANY: FORMER CONFORMED NAME: FIRST UNION COMMERCIAL MORTGAGE SECURITIES INC DATE OF NAME CHANGE: 19960520 FORMER COMPANY: FORMER CONFORMED NAME: FIRST UNION MORTGAGE SECURITIES INC DATE OF NAME CHANGE: 19951013 FWP 1 n285_fwpx8.htm FREE WRITING PROSPECTUS Unassociated Document
   
FREE WRITING PROSPECTUS
   
FILED PURSUANT TO RULE 433
   
REGISTRATION FILE NO.: 333-172366-12
     
 
(wells fargo logo)   (rbs logo) 
 
 
THIS FREE WRITING PROSPECTUS, DATED JANUARY 29, 2014, MAY BE AMENDED OR
COMPLETED PRIOR TO TIME OF SALE.
 
The depositor has filed a registration statement (including a prospectus) with the SEC (SEC File No. 333-172366) for the offering to which this communication relates.  Before you invest, you should read the prospectus in that registration statement and other documents the depositor has filed with the SEC for more complete information about the depositor and this offering.  You may get these documents for free by visiting EDGAR on the SEC website at www.sec.gov.  Alternatively, the depositor or any underwriter or any dealer participating in this offering will arrange to send you the prospectus if you request it by calling 1-800-745-2063 (8 a.m. – 5 p.m. EST) or by emailing wfs.cmbs@wellsfargo.com.
 
SUPPLEMENT TO FREE WRITING PROSPECTUS AND STRUCTURAL AND
COLLATERAL TERM SHEET, EACH DATED JANUARY 27, 2014
 
$1,023,355,000
(Approximate)
 
 
WFRBS Commercial Mortgage Trust 2014-LC14
as Issuing Entity
 
 
Wells Fargo Commercial Mortgage Securities, Inc.
as Depositor
 
 
Wells Fargo Bank, National Association
Ladder Capital Finance LLC
Rialto Mortgage Finance, LLC
The Royal Bank of Scotland
as Sponsors and Mortgage Loan Sellers
 
 
Commercial Mortgage Pass-Through Certificates
Series 2014-LC14
 
 
 
January 29, 2014
 
 

WELLS FARGO SECURITIES
RBS
   
Co-Lead Manager and Co-Bookrunner
Co-Lead Manager and Co-Bookrunner
 
 
 
 
Deutsche Bank Securities
Co-Manager
 
 
 
 
 
$1,023,355,000 (Approximate)
WFRBS Commercial Mortgage Trust 2014-LC14
Commercial Mortgage Pass-Through Certificates, Series 2014-LC14
 
IMPORTANT NOTICE REGARDING THE CERTIFICATES
 
THE CERTIFICATES REFERRED TO IN THESE MATERIALS ARE SUBJECT TO MODIFICATION OR REVISION (INCLUDING THE POSSIBILITY THAT ONE OR MORE CLASSES OF CERTIFICATES MAY BE SPLIT, COMBINED OR ELIMINATED AT ANY TIME PRIOR TO ISSUANCE OR AVAILABILITY OF A FINAL PROSPECTUS SUPPLEMENT) AND ARE OFFERED ON A “WHEN, AS AND IF ISSUED” BASIS.  PROSPECTIVE INVESTORS SHOULD UNDERSTAND THAT, WHEN CONSIDERING THE PURCHASE OF THESE SECURITIES, A CONTRACT OF SALE WILL COME INTO BEING NO SOONER THAN THE DATE ON WHICH THE RELEVANT CLASS OF CERTIFICATES HAS BEEN PRICED AND THE UNDERWRITERS HAVE CONFIRMED THE ALLOCATION OF CERTIFICATES TO BE MADE TO INVESTORS; ANY “INDICATIONS OF INTEREST” EXPRESSED BY ANY PROSPECTIVE INVESTOR, AND ANY “SOFT CIRCLES” GENERATED BY THE UNDERWRITERS, WILL NOT CREATE BINDING CONTRACTUAL OBLIGATIONS FOR SUCH PROSPECTIVE INVESTORS, ON THE ONE HAND, OR THE UNDERWRITERS, THE DEPOSITOR OR ANY OF THEIR RESPECTIVE AGENTS OR AFFILIATES, ON THE OTHER HAND.
 
AS A RESULT OF THE FOREGOING, A PROSPECTIVE INVESTOR MAY COMMIT TO PURCHASE CERTIFICATES THAT HAVE CHARACTERISTICS THAT MAY CHANGE, AND EACH PROSPECTIVE INVESTOR IS ADVISED THAT ALL OR A PORTION OF THE CERTIFICATES REFERRED TO IN THESE MATERIALS MAY BE ISSUED WITHOUT ALL OR CERTAIN OF THE CHARACTERISTICS DESCRIBED IN THESE MATERIALS. THE UNDERWRITERS’ OBLIGATION TO SELL CERTIFICATES TO ANY PROSPECTIVE INVESTOR IS CONDITIONED ON THE CERTIFICATES AND THE TRANSACTION HAVING THE CHARACTERISTICS DESCRIBED IN THESE MATERIALS.  IF THE UNDERWRITERS DETERMINE THAT A CONDITION IS NOT SATISFIED IN ANY MATERIAL RESPECT, SUCH PROSPECTIVE INVESTOR WILL BE NOTIFIED, AND NEITHER THE DEPOSITOR NOR THE UNDERWRITERS WILL HAVE ANY OBLIGATION TO SUCH PROSPECTIVE INVESTOR TO DELIVER ANY PORTION OF THE CERTIFICATES WHICH SUCH PROSPECTIVE INVESTOR HAS COMMITTED TO PURCHASE, AND THERE WILL BE NO LIABILITY BETWEEN THE UNDERWRITERS, THE DEPOSITOR OR ANY OF THEIR RESPECTIVE AGENTS OR AFFILIATES, ON THE ONE HAND, AND SUCH PROSPECTIVE INVESTOR, ON THE OTHER HAND, AS A CONSEQUENCE OF THE NON-DELIVERY.
 
EACH PROSPECTIVE INVESTOR HAS REQUESTED THAT THE UNDERWRITERS PROVIDE TO SUCH PROSPECTIVE INVESTOR INFORMATION IN CONNECTION WITH SUCH PROSPECTIVE INVESTOR’S CONSIDERATION OF THE PURCHASE OF THE CERTIFICATES DESCRIBED IN THESE MATERIALS.  THESE MATERIALS ARE BEING PROVIDED TO EACH PROSPECTIVE INVESTOR FOR INFORMATIVE PURPOSES ONLY IN RESPONSE TO SUCH PROSPECTIVE INVESTOR’S SPECIFIC REQUEST.  THE UNDERWRITERS DESCRIBED IN THESE MATERIALS MAY FROM TIME TO TIME PERFORM INVESTMENT BANKING SERVICES FOR, OR SOLICIT INVESTMENT BANKING BUSINESS FROM, ANY COMPANY NAMED IN THESE MATERIALS.  THE UNDERWRITERS AND/OR THEIR AFFILIATES OR RESPECTIVE EMPLOYEES MAY FROM TIME TO TIME HAVE A LONG OR SHORT POSITION IN ANY SECURITY OR CONTRACT DISCUSSED IN THESE MATERIALS.
 
THE INFORMATION CONTAINED HEREIN SUPERSEDES ANY PREVIOUS SUCH INFORMATION DELIVERED TO ANY PROSPECTIVE INVESTOR AND WILL BE SUPERSEDED BY INFORMATION DELIVERED TO SUCH PROSPECTIVE INVESTOR PRIOR TO THE TIME OF SALE.
 
 
Wells Fargo Securities is the trade name for the capital markets and investment banking services of Wells Fargo & Company and its subsidiaries, including but not limited to WFS, a member of NYSE, FINRA, NFA and SIPC, Wells Fargo Institutional Securities, LLC a member of FINRA and SIPC, and Wells Fargo Bank, National Association.  Wells Fargo Securities carries and provides clearing services for Wells Fargo Institutional Securities, LLC customer accounts.
 
RBS is a trade name for the investment banking business of RBSSI.  Securities, syndicated loan arranging, financial advisory and other investment banking activities are performed by RBSSI and their securities affiliates.  Lending, derivatives and other commercial banking activities are performed by The Royal Bank of Scotland plc and their banking affiliates.  RBSSI is a member of SIPC, FINRA and the NYSE.
 
 
THE INFORMATION IN THIS SUPPLEMENT IS NOT COMPLETE AND MAY BE AMENDED PRIOR TO THE TIME OF SALE. THIS SUPPLEMENT IS NOT AN OFFER TO SELL THESE SECURITIES AND IT IS NOT A SOLICITATION OF AN OFFER TO BUY THESE SECURITIES IN ANY JURISDICTION WHERE THE OFFER OR SALE IS NOT PERMITTED.
 
i
 
 
$1,023,355,000 (Approximate)
WFRBS Commercial Mortgage Trust 2014-LC14
Commercial Mortgage Pass-Through Certificates, Series 2014-LC14
 
 
IMPORTANT NOTICE RELATING TO AUTOMATICALLY-GENERATED EMAIL DISCLAIMERS
 
Any legends, disclaimers or other notices that may appear at the bottom of any email communication to which this Supplement is attached relating to (1) these materials not constituting an offer (or a solicitation of an offer), (2) no representation that these materials are accurate or complete and may not be updated or (3) these materials possibly being confidential, are not applicable to these materials and should be disregarded.  Such legends, disclaimers or other notices have been automatically generated as a result of these materials having been sent via Bloomberg or another system.
 
 
 
 
 
THE INFORMATION IN THIS SUPPLEMENT IS NOT COMPLETE AND MAY BE AMENDED PRIOR TO THE TIME OF SALE. THIS SUPPLEMENT IS NOT AN OFFER TO SELL THESE SECURITIES AND IT IS NOT A SOLICITATION OF AN OFFER TO BUY THESE SECURITIES IN ANY JURISDICTION WHERE THE OFFER OR SALE IS NOT PERMITTED.
 
ii
 
 
$1,023,355,000 (Approximate)
WFRBS Commercial Mortgage Trust 2014-LC14
Commercial Mortgage Pass-Through Certificates, Series 2014-LC14
 
The Free Writing Prospectus dated January 27, 2014 (the “Free Writing Prospectus”) and the Structural and Collateral Term Sheet dated January 27, 2014 (the “Term Sheet”) are hereby updated as set forth below.  The information in this supplement dated January 29, 2014 (this “Supplement”) supersedes any contradictory information in the Free Writing Prospectus and the Term Sheet.  Defined terms used in this Supplement but not defined herein have the meanings given to them in the Free Writing Prospectus.  In all other respects, except as modified below, the Free Writing Prospectus and Term Sheet remain unmodified.
 
Structural Update
 
1.       Class A-3, Class A-3FL and Class A-3FX Certificates.
 
The Class A-3 Certificates will no longer be offered.  References to the Class A-3 Certificates and related definitions should be disregarded in the Free Writing Prospectus.  A new class of certificates, the Class A-3FL Certificates, with an initial principal balance of $80,000,000 will be privately offered, which will receive payments and be allocated losses as described in Attachment A to this Supplement.  An additional class of certificates, the Class A-3FX Certificates, with an initial principal balance of $0, will also be privately offered, which will receive payments and be allocated losses pari passu with the Class A-3FL Certificates.  Additional information with respect to the Class A-3FL and Class A-3FX Certificates is set forth on Attachment A of this Supplement.  The trust will privately offer the Class A-3FL and Class A-3FX Certificates pursuant to a separate Private Placement Memorandum.  After giving effect to the addition of the Class A-3FL Certificates and the Class A-3FX Certificates and the removal of the Class A-3 Certificates, the trust fund will issue twenty (20) classes of commercial mortgage pass-through certificates, and the aggregate certificate principal balance of Certificates offered by the Free Writing Prospectus is now $1,023,355,000.
 
2.           Class X-A Certificates.
 
The Class X-A Certificates will have an aggregate notional amount equal to the aggregate principal balance of the Class A-1, A-2, A-4, A-5 and A-SB Certificates and the Class A-3FX and Class A-S regular interests outstanding from time to time.  The pass-through rate for the Class X-A Certificates for any distribution date will be a per annum rate equal to the excess, if any, of (a) the weighted average of the net mortgage interest rates on the mortgage loans for the related distribution date, over (b) the weighted average of the pass-through rates on the Class A-1, A-2, A-4, A-5 and A-SB Certificates and the Class A-3FX and Class A-S regular interests for the related distribution date, weighted on the basis of their respective aggregate principal balances outstanding immediately prior to that distribution date.  For purposes of the calculation of the weighted average of the net mortgage interest rates on the mortgage loans for each distribution date, the mortgage interest rates will be adjusted as necessary to a 30/360 basis.
 
 
 
 
 
 
THE INFORMATION IN THIS SUPPLEMENT IS NOT COMPLETE AND MAY BE AMENDED PRIOR TO THE TIME OF SALE. THIS SUPPLEMENT IS NOT AN OFFER TO SELL THESE SECURITIES AND IT IS NOT A SOLICITATION OF AN OFFER TO BUY THESE SECURITIES IN ANY JURISDICTION WHERE THE OFFER OR SALE IS NOT PERMITTED.
 
1
 
 
$1,023,355,000 (Approximate)
WFRBS Commercial Mortgage Trust 2014-LC14
Commercial Mortgage Pass-Through Certificates, Series 2014-LC14
 
3.      Revised Issue Characteristics.
 
Class
Expected Ratings
(DBRS/Fitch/Moody’s)
Approx. Initial
Principal
Balance(1)
Approx. % of
Aggregate
Cut-off
Date
Balance
Approx.
Initial
Credit
Support(2)
Approx. Initial
Pass-
Through Rate
Pass-
Through
Rate
Description
Weighted
Average
Life
(Years)(3)
Expected
Principal
Window(3)
  Non-Offered Certificates
                
A-3FL
AAA(sf)/AAAsf/Aaa(sf)
$80,000,000(5)
  
6.371%
30.000%
LIBOR +  % (6)
Floating
6.74
11/20 – 11/20
A-3FX
AAA(sf)/AAAsf/Aaa(sf)
$0 (5)
  
N/A
30.000%
%
 (4)
6.74
11/20 – 11/20
 
Note:
(1)
The principal balances set forth in the table are approximate.  The actual initial principal balances may be larger or smaller depending on the aggregate cut-off date principal balance of the mortgage loans definitively included in the pool of mortgage loans, which aggregate cut-off date principal balance may be as much as 5% larger or smaller than the amount presented in the Free Writing Prospectus.
 
 
(2)
The approximate initial credit support with respect to the A-3FL and Class A-3FX Certificates represents the approximate credit enhancement for the Class A-1, A-2, A-3FL, A-3FX, A-4, A-5 and A-SB Certificates in the aggregate.  No class of Certificates will provide any credit support to the Class A-3FL Certificates for any failure by the swap counterparty to make the payment under the related swap contract.
 
 
(3)
Calculated based on a 0% CPR and the structuring assumptions described in the Free Writing Prospectus.
 
 
(4)
The pass-through rates for the Class A-3FX Certificates and the Class A-3FX regular interest, in each case, will be one of the following:  (i) a fixed rate per annum, (ii) the weighted average of the net mortgage interest rates on the mortgage loans for the related distribution date, (iii) a variable rate per annum equal to the lesser of (a) a fixed rate and (b) the weighted average of the net mortgage interest rates on the mortgage loans for the related distribution date or (iv) a variable rate per annum equal to the weighted average of the net mortgage interest rates on the mortgage loans for the related distribution date minus a specified percentage.  For purposes of the calculation of the weighted average of the net mortgage rates on the mortgage loans for each distribution date, the mortgage interest rates will be adjusted as necessary to a 30/360 basis.
 
 
(5)
The aggregate principal balance of the Class A-3FL and A-3FX Certificates will at all times equal the principal balance of the Class A-3FX regular interest.  The approximate initial principal balance of the Class A-3FX regular interest is $80,000,000.
 
 
(6)
The pass-through rate on the Class A-3FL Certificates will be a per annum rate equal to LIBOR plus      %; provided, however, that under certain circumstances, the pass-through rate on the Class A-3FL Certificates may convert to the pass-through rate applicable to the Class A-3FX regular interest.  The initial LIBOR rate will be determined two LIBOR Business Days prior to the Closing Date, and subsequent LIBOR rates for the Class A-3FL Certificates will be determined two LIBOR Business Days before the start of the related interest accrual period.
 
 
 
THE INFORMATION IN THIS SUPPLEMENT IS NOT COMPLETE AND MAY BE AMENDED PRIOR TO THE TIME OF SALE. THIS SUPPLEMENT IS NOT AN OFFER TO SELL THESE SECURITIES AND IT IS NOT A SOLICITATION OF AN OFFER TO BUY THESE SECURITIES IN ANY JURISDICTION WHERE THE OFFER OR SALE IS NOT PERMITTED.
 
2
 
 
$1,023,355,000 (Approximate)
WFRBS Commercial Mortgage Trust 2014-LC14
Commercial Mortgage Pass-Through Certificates, Series 2014-LC14
 
Collateral Update
 
The following supplemental lease rollover table is provided in addition to the disclosure in the Free Writing Prospectus and the Term Sheet relating to the AmericasMart Mortgage Loan:
 
Supplemental Lease Expiration Schedule(1)(2)(3)

Year
Ending
December 31,
No. of
Leases
Expiring
Expiring
NRSF(4)
% of Total
NRSF
Cumulative
Expiring
NRSF
Cumulative
% of Total
NRSF
Annual
Base Rent(5)
% of
Annual Base
Rent
Annual
Base Rent
PSF(5)(6)
MTM
50
48,531
1.4%
48,531
1.4%
$1,231,092
1.2%
$25.37
2014
508
836,600
23.9%
885,131
25.3%
$27,374,585
26.2%
$32.72
2015
448
791,188
22.6%
1,676,319
47.8%
$28,038,194
26.8%
$35.44
2016
340
700,007
20.0%
2,376,326
67.8%
$24,961,912
23.9%
$35.66
2017
116
390,129
11.1%
2,766,455
78.9%
$12,979,104
12.4%
$33.27
2018
64
282,924
8.1%
3,049,379
87.0%
$9,175,436
8.8%
$32.43
2019
3
9,968
0.3%
3,059,347
87.3%
$337,212
0.3%
$33.83
2020
0
0
0.0%
3,059,347
87.3%
$0
0.0%
$0.00
2021
0
0
0.0%
3,059,347
87.3%
$0
0.0%
$0.00
2022
2
13,213
0.4%
3,072,560
87.7%
$332,568
0.3%
$25.17
2023
1
5,728
0.2%
3,078,288
87.8%
$55,332
0.1%
$9.66
2024
0
0
0.0%
3,078,288
87.8%
$0
0.0%
$0.00
Thereafter
0
0
0.0%
3,078,288
87.8%
$0
0.0%
$0.00
Vacant
0
426,372
12.2%
3,504,660
100.0%
$0
0.0%
$0.00
Total/Weighted Average
1,532
3,504,660
100.0%
    
$104,485,434
100.0%
$33.94
 
(1)  
Information obtained from the borrower rent roll dated January 1, 2014.
(2)  
Excludes trade show and exhibition space.
(3)  
Certain tenants may have lease termination options that are exercisable prior to the originally stated expiration date of the subject lease and that are not considered in the Supplemental Lease Expiration Schedule.
(4)  
Since loan origination, total net rentable square feet has increased 1,514 square feet. See footnote (1) to the Historical Occupancy table.
(5)  
Annual Base Rent and Annual Base Rent PSF are based on actual in place rent.
(6)  
The annual and Total/Weighted Average Annual Base Rent PSF excludes vacant space.
 
 
 

THE INFORMATION IN THIS SUPPLEMENT IS NOT COMPLETE AND MAY BE AMENDED PRIOR TO THE TIME OF SALE. THIS SUPPLEMENT IS NOT AN OFFER TO SELL THESE SECURITIES AND IT IS NOT A SOLICITATION OF AN OFFER TO BUY THESE SECURITIES IN ANY JURISDICTION WHERE THE OFFER OR SALE IS NOT PERMITTED.
 
3
 
 
$1,023,355,000 (Approximate)
WFRBS Commercial Mortgage Trust 2014-LC14
Commercial Mortgage Pass-Through Certificates, Series 2014-LC14
 
ATTACHMENT A
 
Class A-3FL and Class A-3FX Certificates
 
The WFRBS Commercial Mortgage Trust 2014-LC14, Commercial Mortgage Pass-Through Certificates, Series 2014-LC14, will include a class of certificates (the “Class A-3FL Certificates”) that entitles their holders to payments of interest based on a floating rate.  The trust fund will include a swap transaction that will relate to the Class A-3FL Certificates (herein, the “Class A-3FL Swap Transaction”) under a swap agreement (the “Class A-3FL Swap Agreement”) with the Swap Counterparty (as defined below).  Wells Fargo Bank, National Association (the “Swap Counterparty”), an affiliate of the depositor, one of the mortgage loan sellers and one of the underwriters, will be the counterparty under the Class A-3FL Swap Transaction.
 
Holders of the Class A-3FL Certificates may, under certain circumstances, exchange such Certificates for an equal principal balance of Class A-3FX Certificates.  Any such exchange will reduce the outstanding principal balance of the Class A-3FL Certificates, which could in turn have an adverse effect on the liquidity of the remaining Class A-3FL Certificates.
 
Distributions of interest among the Class A-1, A-2, A-4, A-5, A-SB, X-A, X-B and X-C Certificates and the Class A-3FX Regular Interest will generally be made on a pro rata basis in accordance with their respective interest entitlements.
 
Prior to the allocation of the Principal Distribution Amount for each distribution date to the Class A-4 Certificates, the remaining portion of the Principal Distribution Amount (net of any portion thereof that is distributable on that distribution date to the holders of the Class A-SB, Class A-1 and Class A-2 Certificates) that were previously allocated to the Class A-3 Certificates in the Free Writing Prospectus will be allocated to the Class A-3FX Regular Interest (and, therefore, to the holders of the Class A-3FX and Class A-3FL Certificates) in an amount equal to the lesser of:  (1) such remaining portion of the Principal Distribution Amount for that distribution date and (2) the aggregate principal balance of the Class A-3FX Regular Interest immediately prior to that distribution date.
 
Distributions of principal and distributions in respect of loss reimbursement amounts that were previously allocated to the Class A-3 Certificates in the Free Writing Prospectus will be allocated to the Class A-3FX Regular Interest, which in turn will each be allocated between the Class A-3FX and Class A-3FL Certificates on a pro rata basis in accordance with their respective principal balances.
 
Any reduction of the principal balances of the Class A-1, A-2, A-4, A-5 and A-SB Certificates and the Class A-3FX Regular Interest (and, therefore, the Class A-3FX and Class A-3FL Certificates) in connection with Realized Losses and Additional Trust Fund Expenses will be made on a pro rata basis in accordance with the relative sizes of those principal balances at the time of the reduction.
 
The monthly statement to Certificateholders is expected to include the following information:  (i) the amount of the distribution on the distribution date to the holders of each Class of interest-bearing Certificates and the Class A-3FX Regular Interest allocable to the interest distributable on that Class of Certificates or regular interest and, with respect to the Class A-3FL Certificates (a) information that the amount of interest distributed on such Class is the Class A-3FL Certificates’ allocable portion of the interest distributable with respect to the Class A-3FX Regular Interest, and (b) whether a conversion event has occurred and is continuing with respect to the Class A-3FL Swap Agreement; (ii) the amount of any (a) payment by the Swap Counterparty under the Class A-3FL Swap Agreement as a termination payment, (b) payment to any successor swap counterparty to acquire a replacement interest rate swap contract in respect of either the Class A-3FL Swap Agreement, and (c) collateral posted in connection with any rating agency trigger event; and (iii) the amount of and identification of any payments on the Class A-3FL Certificates in addition to the amount of principal and interest due thereon.
 
For purposes of allocations of Yield Maintenance Charges and Prepayment Premiums, “YM Group A” shall include the Class A-1, Class A-2, Class A-4, Class A-5, Class A-SB and Class X-A Certificates, as well as the Class A-3FX and Class A-S Regular Interests.
 
 
 
THE INFORMATION IN THIS SUPPLEMENT IS NOT COMPLETE AND MAY BE AMENDED PRIOR TO THE TIME OF SALE. THIS SUPPLEMENT IS NOT AN OFFER TO SELL THESE SECURITIES AND IT IS NOT A SOLICITATION OF AN OFFER TO BUY THESE SECURITIES IN ANY JURISDICTION WHERE THE OFFER OR SALE IS NOT PERMITTED.
 
A-1
 
 
$1,023,355,000 (Approximate)
WFRBS Commercial Mortgage Trust 2014-LC14
Commercial Mortgage Pass-Through Certificates, Series 2014-LC14
 
In addition to other limitations described above, no amendment may be made to the Pooling and Servicing Agreement that would adversely affect the Swap Counterparty under the Class A-3FL Swap Agreement without the consent of the Swap Counterparty.  For the avoidance of doubt, any exchange by a holder of a Class A-3FL Certificate of any portion of its aggregate outstanding certificate principal balance for an equal aggregate outstanding certificate principal balance of Class A-3FX Certificates will not be deemed to be an amendment.
 

 
THE INFORMATION IN THIS SUPPLEMENT IS NOT COMPLETE AND MAY BE AMENDED PRIOR TO THE TIME OF SALE. THIS SUPPLEMENT IS NOT AN OFFER TO SELL THESE SECURITIES AND IT IS NOT A SOLICITATION OF AN OFFER TO BUY THESE SECURITIES IN ANY JURISDICTION WHERE THE OFFER OR SALE IS NOT PERMITTED.
 
A-2
 
 
 

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