8-K 1 rma02003.txt DECEMBER 8-K 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): December 26, 2002 RENAISSANCE MORTGAGE ACCEPTANCE CORPORATION Home Equity Loan Asset-Backed Certs., Series 2002-3 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-82550-03 52-0434485 Pooling and Servicing Agreement) (Commission 52-0434480 (State or other File Number) IRS EIN jurisdiction of Incorporation) c/o Wells Fargo Bank Minnesota, N.A. 9062 Old Annapolis Road Columbia, MD 21045 (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 December 26, 2002 a distribution was made to holders of RENAISSANCE MORTGAGE ACCEPTANCE CORPORATION, Home Equity Loan Asset-Backed Certs., Series 2002-3 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 2002-3 Trust, relating to the December 26, 2002 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. RENAISSANCE MORTGAGE ACCEPTANCE CORPORATION Home Equity Loan Asset-Backed Certs., Series 2002-3 Trust By: Wells Fargo Bank Minnesota, N.A. as Trustee By: /s/ Beth Belfield, Assistant Vice President By: Beth Belfield, Assistant Vice President Date: 1/3/03 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Home Equity Loan Asset-Backed Certs., Series 2002-3 Trust, relating to the December 26, 2002 distribution. EX-99.1

~~Structured~~Renaissance ~~Asset~~Mortgage ~~Securities~~Acceptance ~~Corporation~~Corp. Mortgage Pass-Through Certificates Record Date: 1011/3130/02 Distribution Date: 1112/2526/02 ~~SASC~~RMAC Series: 2002-3 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 ~~1A1~~A ~~86358RVY0~~75970NAA5 SEN 51.~~50000~~76000% 25203,~~000~~635,~~000~~407.0027 ~~114~~308,~~576~~620.1877 ~~0.00 1A2 86358RVZ7 SEN 2.18000% 45~~1,~~615~~935,~~300~~602.0098 ~~82,862.62~~M1 ~~0.00~~75970NAB3 ~~1A3~~SUB ~~86358RWA1 IO 6.32000% 0.00 240,225.59 0.00 1A5 86358RWB9 SEN 6.50000% 5,306,929.57 28,744.07~~ 2~~,550,433~~.~~62 1A6 86358RWC7 SEN 6.50000~~38000% 5516,~~873~~875,~~892.84 302,631.36 10,265,815.71 1A8 86358RXQ5 SEN 5.50000% 48,500,~~000.00 ~~222~~34,~~277~~584.7937 0.00 ~~1A9~~M2 ~~86358RXR3~~75970NAC1 ~~SEN~~SUB 53.~~50000~~08000% 1715,~~730~~000,~~700~~000.00 8139,~~260~~783.6433 0.00 ~~2A1~~B ~~86358RWD5~~75970NAD9 ~~SEN~~SUB 64.~~50000~~88000% 2510,~~727~~000,~~818.78 139,359.02 1,514,669.36 2A2 86358RWE3 SEN 6.50000% 12,781,~~000.00 6942,~~230~~022.4222 0.00 ~~2AP~~BIO ~~86358RWF0~~RMA023BIO POSUB 0.00000% ~~527,842.83~~ 0.0001 ~~545.26 3A1 86358RWH6 SEN 6.50000% 6~~1,~~081~~365,~~150~~942.~~12 32,939.56 919,208.97 3A2 86358RWJ2 SEN 6.50000% 14,045,168.23~~ 76~~,077.99~~ ~~339,981.40 4A1 86358RWK9 SEN 6.00000% 61,411,580.32 307,057.90 4,852,070.47 4A2 86358RWL7 SEN 2.48000% 15,352,895.08 31,729.32 1,213,017.62 4A3 86358RWM5 IO 6.02000%~~ 0.00 ~~77,020.36~~OC ~~0.00~~RMA0203OC ~~A4 86358RWQ6~~ SEN ~~6.40000% 35,000,000.00 186,656.96~~ 0.~~00 A7 86358RXS1 IO 6.50000% 0.00 1,166.67 0.00 AP 86358RWS2 PO 0.~~00000% 1,623,180.40 0.00 35,794.12 AX 86358RWT0 IO 6.50000% 0.00 18,950.94 0.00 B1 86358RWU7 SUB 6.50000% 11,059,776.31 59,904.37 9,617.79 B2 86358RWV5 SUB 6.50000% 4,705,843.92 25,488.82 4,092.29 B3 86358RWW3 SUB 6.50000% 3,~~529~~124,~~631~~999.~~30 19,118.75 3,069.43 B4 86358RXM4 SUB 6.50000% 1,409,666.~~99 ~~7,635.35 1,225.87 B5 86358RXN2 SUB 6.50000% 1,645,108.20 8,910.59 1,430.62 B6 86358RXP7 SUB 6.50000% 1,657,744.78 8,979.04 1,441.61 CAP 86358RWP8 PO~~ 0.~~00000% 326,162.03 0.~~00 ~~527.99 CAX 86358RWN3 IO 6.50000%~~ 0.00 ~~14,954.47~~P ~~0.00~~RMA02003P ~~IAX~~SEN ~~86358RWR4 IO~~ 0.~~56678~~00000% 0100.00 1226,~~414~~859.6358 0.00 ~~PAX~~R1 ~~86358RXT9~~RMA0203R1 IORES ~~6.50000%~~ 0.~~00 60,281.90 0.00 E SEN 0.~~00000% 0.00 0.00 0.00 PR2 ~~SEN~~RMA0203R2 ~~0.00000%~~RES 0.~~00 46,692.02 0.00 R 86358RWZ1 SEN 6.50000% 0.00 0.00 0.00 ALR SAC023ALR SEN 0.~~00000% 0.00 0.00 0.00 Totals ~~394~~248,~~911~~635,~~391~~507.7027 21,~~277~~817,~~147~~813.3303 211,~~712~~935,~~942~~602.1398

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses ~~1A1~~A 0.00 25201,~~000~~699,~~000~~804.0029 ~~114,576.18 0.00 1A2 0.00 45,615,300.00 82,862.62 0.00 1A3 0.00 0.00 240,225.59 0.00 1A5 0.00~~ 2,~~756~~244,~~495~~223.9575 ~~2,579,177.69~~ 0.00 ~~1A6~~M1 0.00 4516,~~608~~875,~~077.12 10,568,447.07 0.00 1A8 0.00 48,500,~~000.00 ~~222~~34,~~277~~584.7937 0.00 ~~1A9~~M2 0.00 1715,~~730~~000,~~700.00 81,260.64 0.00 2A1 0.00 24,213,149.42 1,654,028.38 0.00 2A2 0.00 12,781,~~000.00 ~~69,230.42 0.00 2AP 0.00 527,297.57 545.26 0.00 3A1 0.00 5,161,941.15 952,148.53 0.00 3A2 0.00 13,705,186.83 416,059.~~39 ~~0.00 4A1 0.00 56~~,~~559,509~~783.8533 ~~5,159,128.37~~ 0.00 ~~4A2~~B 0.00 1410,~~139,877.46 1,244,746.94 0.00 4A3 0.00 0.00 77,020.36 0.00 A4 0.00 35,~~000,000.00 ~~186~~42,~~656~~022.9622 0.00 A7BIO 0.00 0.0001 1,~~166.67 0.00 AP 0.00 1~~365,~~587,386~~942.2776 ~~35,794.12~~ 0.00 AXOC 0.00 ~~0.00 18,950.94 0.00 B1 0.00 11,050,158.52 69,522.16 0.00 B2 0.00 4,701,751.63 29,581.11 0.00 B3 0.00~~ 3,~~526~~124,~~561~~999.~~86 22,188.18 0.00 B4 0.00 1,408,441.12 8,861.22 0.00 B5 0.00 1,643,677.58 10,341.21 0.00 B6 0.00 1,656,303.18 10,420.65 0.00 CAP 0.00 325,634.05 527.~~99 0.00 ~~CAX~~ 0.0001 ~~0.00 14,954.47 0.00 IAX 0.00 0.00 12,414.63 0.00 PAX 0.00 0.00 60,281.90 0.00 E 0.00 0.00 0.00 0.00~~ P 0.00 0100.00 4626,~~692~~859.0258 0.00 RR1 0.00 0.00 0.00 0.00 ~~ALR~~R2 0.00 0.00 0.00 0.00 Totals 0.00 ~~373~~246,~~198~~699,~~449~~904.5629 233,~~990~~753,~~089~~416.4601 0.0001 All distributions required by the Pooling and Servicing Agreement have been calculated by the Certificate Administrator on behalf of the Trustee.

Principal Distribution Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Realized Class Amount Balance Distribution Distribution Accretion Loss (1) ~~1A1~~A 25205,000,000.00 25203,~~000~~635,~~000~~407.0027 ~~0.00 0.00 0.00 0.00 1A2 45~~253,~~615,300~~241.0033 451,~~615,300.00 0.00 0.00 0.00 0.00 1A3 0.00 0.00 0.00 0.00 0.00 0.00 1A5 20,000,000.00 5,306,929.57 37,750.94 2,512,~~682~~.68 0.00 0.00 1A6 100~~,~~076,000~~361.0065 ~~55,873,892.84 151,952.28 10,113,863.44~~ 0.00 0.00 ~~1A8~~M1 4816,~~500~~875,000.00 4816,~~500~~875,000.00 0.00 0.00 0.00 0.00 ~~1A9~~M2 1715,~~730,700.00 17,730,700.00 0.00 0.00 0.00 0.00 2A1 30,~~000,000.00 2515,~~727,818.78 34,853.32 1,479,816.04 0.00 0.00 2A2 12,781,~~000~~.00 12~~,~~781,~~000.00 0.00 0.00 0.00 0.00 ~~2AP~~B ~~532,046.00 527,842.83 527.~~10 ~~18.16 0.00 0.00 3A1 10~~,000,000.00 610,~~081,150.12 16,484.90 902,724.07 0.00 0.00 3A2 15,602,~~000~~.00 14~~,~~045,168.23 6,097.16 333,884.24 0.00 0.00 4A1 69,440,~~000.00 ~~61,411,580.32 59,133.05 4,792,937.42~~ 0.00 0.00 ~~4A2 17,360,000.00 15,352,895.08 14,783.26 1,198,234.35~~ 0.00 0.00 ~~4A3~~BIO 0.0001 0.0001 0.00 0.00 0.00 0.00 A4OC 353,~~000~~124,~~000~~899.0097 353,~~000~~124,~~000~~999.0099 0.00 0.00 0.00 0.00 A7 0.00 0.00 0.00 0.00 0.00 0.00 AP 1,694,214.00 1,623,180.40 1,673.96 34,120.16 0.00 0.00 AX 0.00 0.00 0.00 0.00 0.00 0.00 B1 11,133,000.00 11,059,776.31 9,617.79 0.00 0.00 0.00 B2 4,737,000.00 4,705,843.92 4,092.29 0.00 0.00 0.00 B3 3,~~553~~124,~~000~~899.0097 3,~~529~~124,~~631~~999.~~30 3,069.43 0.00 0.00 0.00 B4 1,419,000.00 1,409,666.~~99 ~~1,225.87~~ 0.00 0.00 0.00 ~~B5 1,656,000.00 1,645,108.20 1,430.62~~ 0.00 ~~0.00~~P 0100.00 ~~B6 1,668,720~~100.00 ~~1,657,744.78 1,441.61~~ 0.00 0.00 0.00 ~~CAP 329,619.00 326,162.03 330.79 197.20~~ 0.00 0100.00 ~~CAX 0~~100.00 0.00 0.00 0.00 0.00 ~~0.00~~R1 ~~IAX~~ 0.00 0.00 0.00 0.00 0.00 0.00 ~~PAX~~ 0.00 0.00 0.00 0.00 0.00 0.00 ER2 0.00 0.00 0.00 0.00 0.00 0.00 P 0.00 0.00 0.00 0.00 0.00 0.00 ~~R 100.00 0.00 0.00 0.00 0.00 0.00 ALR 0.00 0.00 0.00 0.00 0.00 0.00~~ Totals ~~473~~253,~~827~~124,~~699~~999.0095 ~~394~~251,~~911~~760,~~391~~607.7026 ~~344~~253,~~464~~241.3733 211,~~368~~682,~~477~~361.7665 0.00 0.00 (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.

Principal Distribution Statement (continued) Total Ending Ending Total Principal Certificate Certificate Principal Class Reduction Balance Percentage Distribution ~~1A1~~A ~~0.00 25,000,000.00~~ 1~~.00000000 0.00 1A2 0.00 45~~,~~615~~935,~~300~~602.0098 ~~1.00000000 0.00 1A3 0.00 0.00 0.00000000 0.00 1A5 2~~201,~~550~~699,~~433~~804.6229 ~~2,756,495.95~~ 0.~~13782480~~98390148 21,~~550~~935,~~433~~602.6298 ~~1A6~~M1 ~~10,265,815.71 45,608,077.12~~ 0.~~45573441 10,265,815.71 1A8 0.~~00 4816,~~500~~875,000.00 1.00000000 0.00 ~~1A9~~M2 0.00 1715,~~730~~000,~~700~~000.00 1.00000000 0.00 ~~2A1~~B ~~1,514,669.36 24,213,149.42~~ 0.~~80710498 1,514,669.36 2A2 0.~~00 1210,~~781~~000,000.00 1.00000000 0.00 ~~2AP~~BIO ~~545.26 527,297.57~~ 0.~~99107515~~00 ~~545.26 3A1 919,208.97 5,161,941.15~~ 0.~~51619411~~01 ~~919,208.97 3A2 339,981.40 13,705,186.83 0.87842500 339,981.40 4A1 4,852,070.47 56,559,509.85 0.81450907 4,852,070.47 4A2~~ 1~~,213,017~~.~~62 14,139,877.46 0.81450907 1,213,017.62 4A3 0.00 0.00 0.~~00000000 0.00 A4OC 0.00 353,~~000~~124,~~000~~999.0099 1.~~00000000~~00003201 0.00 A7OC 0.00 ~~0.00 0.00000000 0.00 AP 35,794.12 1,587,386.27 0.93694555 35,794.12 AX 0.00 0.00 0.00000000 0.00 B1 9,617.79 11,050,158.52 0.99255893 9,617.79 B2 4,092.29 4,701,751.63 0.99255893 4,092.29 B3~~ 3,~~069.43 3~~124,~~526,561~~999.8699 ~~0.99255892 3,069.43 B4~~ 1~~,225~~.8700003201 ~~1,408,441.12~~ 0.~~99255893 1,225.87 B5 1,430.62 1,643,677.58 0.99255893 1,430.62 B6 1,441.61 1,656,303.18 0.99255908 1,441.61 CAP 527.99 325,634.05 0.98791044 527.99 CAX 0.~~00 ~~0.00~~P 0.~~00000000 0.~~00 ~~IAX 0~~100.00 01.~~00 0.~~00000000 0.00 ~~PAX~~P 0.00 0100.00 01.00000000 0.00 ER1 0.00 0.00 0.00000000 0.00 PR1 0.00 0.00 0.00000000 0.00 RR2 0.00 0.00 0.00000000 0.00 ~~ALR~~R2 0.00 0.00 0.00000000 0.00 Totals 211,~~712~~935,~~942~~602.1398 ~~373~~249,~~198~~825,~~449~~004.5628 0.~~78762481~~98696298 211,~~712~~935,~~942~~602.1398

Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion ~~1A1~~A 25205,000,000.00 ~~1000~~993.~~00000000~~34345010 ~~0.00000000 0.00000000 0.00000000 1A2 45,615,300.00 1000.00000000 0.00000000 0.00000000 0.00000000 1A3 0.00 0.00000000 0.00000000 0.00000000 0.00000000 1A5 20,000,000.00 265.34647850~~ 1.~~88754700~~23532356 ~~125~~8.~~63413400~~20664220 0.00000000 ~~1A6~~M1 ~~100~~16,~~076~~875,000.00 ~~558.31460930 1.51836884 101.06182741 0.00000000 1A8 48,500,000.00~~ 1000.00000000 0.00000000 0.00000000 0.00000000 ~~1A9~~M2 1715,~~730,700.00 1000.00000000 0.00000000 0.00000000 0.00000000 2A1 30,~~000,000.00 ~~857.59395933 1.16177733 49.32720133 0.00000000 2A2 12,781,000.00~~ 1000.00000000 0.00000000 0.00000000 0.00000000 ~~2AP~~B ~~532,046.00 992.09998760 0.99070381 0.03413239 0.00000000 3A1~~ 10,000,000.00 608.11501200 1.64849000 90.27240700 0.00000000 3A2 15,602,000.00 900.21588450 0.39079349 21.40009230 0.00000000 4A1 69,440,000.00 884.38335714 0.85157042 69.02271630 0.00000000 4A2 17,360,000.00 884.38335714 0.85157028 69.02271601 0.00000000 4A3 0.00 0.00000000 0.00000000 0.00000000 0.00000000 A4 35,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 A7BIO 0.0001 0.00000000 0.00000000 0.00000000 0.00000000 APOC 1,694,214.00 958.07282905 0.98804519 20.13922680 0.00000000 AX 0.00 0.00000000 0.00000000 0.00000000 0.00000000 B1 11,133,000.00 993.42282493 0.86389922 0.00000000 0.00000000 B2 4,737,000.00 993.42282457 0.86389909 0.00000000 0.00000000 B3 3,~~553~~124,~~000~~899.0097 ~~993~~1000.~~42282578~~03200742 0.~~86389811 0.~~00000000 0.00000000 ~~B4 1,419,000.00 993.42282593~~ 0.~~86389711 0.~~00000000 ~~0.00000000~~P ~~B5 1,656,000~~100.00 ~~993~~1000.~~42282609 0.86390097 0.~~00000000 0.00000000 ~~B6 1,668,720.00 993.42297090~~ 0.~~86390167 0.~~00000000 0.00000000 ~~CAP~~R1 ~~329,619.00 989.51222472 1.00355259~~ 0.~~59826648 0.00000000 CAX 0.~~00 0.00000000 0.00000000 0.00000000 0.00000000 ~~IAX~~R2 0.00 0.00000000 0.00000000 0.00000000 0.00000000 PAX 0.00 0.00000000 0.00000000 0.00000000 0.00000000 E 0.00 0.00000000 0.00000000 0.00000000 0.00000000 P 0.00 0.00000000 0.00000000 0.00000000 0.00000000 R 100.00 0.00000000 0.00000000 0.00000000 0.00000000 ALR 0.00 0.00000000 0.00000000 0.00000000 0.00000000 (2) All Classes are Per 1,000 Denomination.

Principal Distribution Factors Statement (continued) Total Ending Ending Total Realized Principal Certificate Certificate Principal Class Loss (3) Reduction Balance Percentage Distribution ~~1A1~~A 0.00000000 09.~~00000000~~44196576 ~~1,000~~983.~~00000000~~90148434 10.~~00000000~~98390148 09.~~00000000~~44196576 ~~1A2~~M1 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 ~~1A3~~M2 0.00000000 0.00000000 ~~0.00000000 0.00000000 0.00000000 1A5 0.00000000 127.52168100 137.82479750 0.13782480 127.52168100 1A6 0.00000000 102.58019615 455.73441305 0.45573441 102.58019615 1A8 0.00000000 0.00000000~~ 1,000.00000000 1.00000000 0.00000000 ~~1A9~~B 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 ~~2A1~~BIO 0.00000000 ~~50.48897867 807.10498067~~ 0.~~80710498 50.48897867 2A2 0.~~00000000 0.00000000 1~~,000~~.00000000 ~~1.00000000~~ 0.00000000 ~~2AP~~OC 0.00000000 ~~1.02483620 991.07515140~~ 0.~~99107515 1.02483620 3A1 0.~~00000000 91.92089700 516.19411500 0.51619411 91.92089700 3A2 0.00000000 21.79088578 878.42499872 0.87842500 21.79088578 4A1 0.00000000 69.87428672 814.50907042 0.81450907 69.87428672 4A2 0.00000000 69.87428687 814.50907028 0.81450907 69.87428687 4A3 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 A4 0.00000000 0.00000000 1,000.~~00000000~~03200742 1.~~00000000~~00003201 0.00000000 A7P 0.00000000 0.00000000 01,000.00000000 0.00000000 0.00000000 AP 0.00000000 21.12727200 936.94555115 0.93694555 21.12727200 AX 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 B1 0.00000000 0.86389922 992.55892572 0.99255893 0.86389922 B2 0.00000000 0.86389909 992.55892548 0.99255893 0.86389909 B3 0.00000000 0.86389811 992.55892485 0.99255892 0.86389811 B4 0.00000000 0.86389711 992.55892882 0.99255893 0.86389711 B5 0.00000000 0.86390097 992.55892512 0.99255893 0.86390097 B6 0.00000000 0.86390167 992.55907522 0.99255908 0.86390167 CAP 0.00000000 1.~~60181907 987.91043599 0.98791044 1.60181907 CAX 0.~~00000000 0.00000000 ~~0.00000000~~R1 0.00000000 0.00000000 ~~IAX~~ 0.00000000 0.00000000 0.00000000 ~~0.00000000~~R2 0.00000000 ~~PAX~~ 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 E 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 P 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 ALR 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 (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.

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 ~~1A1~~A 25205,000,000.00 51.~~50000~~76000% 25203,~~000~~635,~~000~~407.0027 ~~114~~308,~~583~~620.3377 0.00 0.00 ~~1A2~~M1 4516,~~615~~875,~~300~~000.00 2.~~18000~~38000% 4516,~~615~~875,~~300.00 82,867.80 0.00 0.00 1A3 0.00 6.32000% 45,615,300.00 240,240.58 0.00 0.00 1A5 20,~~000~~,000~~.00 ~~6.50000% 5~~34,~~306,929~~584.5738 ~~28,745.87~~ 0.00 0.00 ~~1A6~~M2 ~~100~~15,~~076,~~000~~.00 6.50000% 55~~,~~873,892.84 302,650.25 0.00 0.00 1A8 48,500,~~000.00 53.~~50000~~08000% 4815,~~500,~~000~~.00 222~~,~~291.67 0.00 0.00 1A9 17,730,700.00 5.50000% 17,730,700.00 81,265.71 0.00 0.00 2A1 30,~~000~~,000~~.00 ~~6.50000% 25~~39,~~727,818~~783.7833 ~~139,359.02~~ 0.00 0.00 ~~2A2~~B 1210,~~781,~~000~~.00 6.50000% 12~~,~~781,~~000.00 ~~69,230~~4.~~42 0.00 0.00 2AP 532,046.00 0.00000~~88000% ~~527,842.83 0.00 0.00 0.00 3A1~~ 10,000,000.00 ~~6.50000% 6~~42,~~081,150~~022.1222 ~~32,939.56~~ 0.00 0.00 ~~3A2~~BIO ~~15,602,000.00 6.50000% 14,045,168.23 76,077.99~~ 0.0001 0.~~00 4A1 69,440,000.00 6.~~00000% ~~61,411,580.32 307,057.90~~ 0.0001 0.00 ~~4A2 17,360,000.00 2.48000% 15,352,895.08 31,729.32~~ 0.00 0.00 ~~4A3~~OC ~~0.00 6.02000% 15~~3,~~352~~124,~~895~~899.0897 ~~77,020.36~~ 0.~~00 0.00 A4 35,000,000.00 6.40000% 35,000,000.00 186,666.67 0.00 0.00 A7 0.00 6.50000% 215,384.62 1,166.67 0.00 0.00 AP 1,694,214.00 0.~~00000% ~~1,623,180.40 0.00 0.00 0.00 AX 0.00 6.50000%~~ 3,~~498~~124,~~635~~999.~~29 18,950.94 0.00 0.00 B1 11,133,000.00 6.50000% 11,059,776.31 59,907.12 0.00 0.00 B2 4,737,000.00 6.50000% 4,705,843.92 25,489.~~99 0.00 0.00 ~~B3 3,553,000.00 6.50000% 3,529,631.30 19,118.84~~ 0.00 ~~0.00~~P ~~B4 1,419,000~~100.00 ~~6.50000% 1,409,666.99 7,635.70~~ 0.~~00 0.00 B5 1,656,000.00 6.50000% 1,645,108.20 8,911.00 0.00 0.00 B6 1,668,720.00 6.50000% 1,657,744.78 8,979.45 0.00 0.00 CAP 329,619.00 0.~~00000% ~~326,162~~100.~~03 0.~~00 0.00 0.00 ~~CAX~~ 0.00 ~~6.50000%~~R1 ~~2,760,826.14 14,954.47~~ 0.00 0.~~00 IAX 0.00 0.56678% 26,284,649.11 12,414.63 0.00 0.00 PAX 0.00 6.50000% 11,128,966.24 60,281.90 0.00 0.00 E 0.00 0.~~00000% 0.00 0.00 0.00 0.00 PR2 0.00 0.00000% 0.00 0.00 0.00 0.00 ~~R 100.00 6.50000% 0.00 0.00 0.00 0.00 ALR 0.00 0.00000% 0.00 0.00 0.00 0.00~~ Totals ~~473~~249,~~827~~999,~~699~~999.0098 2425,~~230,537~~010.1670 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 ~~1A1~~A ~~7.15~~ 0.0001 ~~114,576.18 26.60 25,000,000.00 1A2 5.17~~ 0.00 82308,~~862~~620.6277 ~~19.18 45,615,300.00 1A3 14.99~~ 0.00 ~~240~~201,~~225.59 55.86 45~~699,~~615,300~~804.0029 ~~1A5~~M1 ~~1.79~~ 0.00 ~~28,744.07 11.31 2,756,495.95 1A6 18.89~~ 0.00 ~~302~~34,~~631~~584.3637 ~~88.60 45,608,077.12 1A8 13.87~~ 0.00 ~~222~~16,~~277.79 51.62 48~~875,~~500,~~000.00 ~~1A9~~M2 ~~5.07~~ 0.00 ~~81,260.64 18.87 17,730,700.00 2A1~~ 0.00 ~~0.00 139~~39,~~359~~783.0233 0.00 2415,~~213~~000,~~149.42 2A2 0.00 0.00 69,230.42 0.00 12,781,~~000.00 ~~2AP~~B 0.00 0.00 ~~0.00 0.00 527~~42,~~297~~022.5722 ~~3A1~~ 0.00 ~~0.00 32~~10,939.56 0.00 5,161,941.15 3A2 0.00 0.00 76,077.99 0.00 13,705,186.83 4A1 0.00 0.00 307,057.90 0.00 56,559,509.85 4A2 0.00 0.00 31,729.32 0.00 14,139,877.46 4A3 0.00 0.00 77,020.36 0.00 14,139,877.46 A4 9.71 0.00 186,656.96 36.14 35,000,000.00 A7BIO 0.00 0.00 1,~~166.67 0.00 215~~365,~~384~~942.6276 AP 0.00 0.0001 ~~0.00~~OC 0.00 ~~1,587,386.27 AX~~ 0.00 0.00 ~~18,950.94~~ 0.00 3,~~213~~124,~~201~~999.6099 B1P ~~2.75~~ 0.00 ~~59,904.37 9.37 11,050,158.52 B2 1.17~~ 0.00 2526,~~488~~859.8258 ~~3.98 4,701,751.63 B3~~ 0.~~09 0.~~00 ~~19,118~~100.~~75 0.30 3,526,561.86 B4 0.35 0.~~00 ~~7,635.35~~R1 ~~1.19 1,408,441.12 B5~~ 0.~~41 0.~~00 ~~8,910.59 1.40 1,643,677.58 B6~~ 0.~~41 0.~~00 ~~8,979.04 1.40 1,656,303.18 CAP~~ 0.00 0.00 0.00 ~~0.00~~R2 ~~325,634.05 CAX~~ 0.00 0.00 ~~14,954.47~~ 0.00 ~~2,440,063.10 IAX~~ 0.00 0.00 ~~12,414.63~~Totals 0.0001 ~~24,783,916.17 PAX~~ 0.00 ~~0.00 60~~1,~~281.90 0.00 10~~817,~~847,873~~813.5103 E 0.00 ~~0.00 0.00 0.00 0.00 P 0.00 0.00 46,692.02 0.00 0.00 R 0.00 0.00 0.00 0.00 0.00 ALR 0.00 0.00 0.00 0.00 0.00 Totals 81.82 0.00 2,277,147.33 325.82~~ (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.

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 ~~1A1~~A 25205,000,000.00 ~~5.50000% 1000.00000000 4.58333320 0.00000000 0.00000000 1A2 45,615,300.00 2.18000% 1000.00000000~~ 1.~~81666678 0.00000000 0.00000000 1A3 0.00 6.32000~~76000% ~~1000~~993.~~00000000~~34345010 ~~5.26666667 0.00000000 0.00000000 1A5 20,000,000.00 6.50000% 265.34647850~~ 1.~~43729350~~50546717 0.00000000 0.00000000 ~~1A6~~M1 ~~100~~16,~~076~~875,000.00 62.~~50000~~38000% ~~558.31460930 3.02420410 0.00000000 0.00000000 1A8 48,500,000.00 5.50000%~~ 1000.00000000 42.~~58333340~~04944474 0.00000000 0.00000000 ~~1A9~~M2 1715,~~730,700.00 5.50000% 1000.00000000 4.58333343 0.00000000 0.00000000 2A1 30,~~000,000.00 63.~~50000~~08000% ~~857.59395933 4.64530067 0.00000000 0.00000000 2A2 12,781,000.00 6.50000%~~ 1000.00000000 52.~~41666693~~65222200 0.00000000 0.00000000 ~~2AP~~B ~~532,046.00 0.00000% 992.09998760 0.00000000 0.00000000 0.00000000 3A1~~ 10,000,000.00 ~~6.50000% 608.11501200 3.29395600 0.00000000 0.00000000 3A2 15,602,000.00 6.50000% 900.21588450~~ 4.~~87616908 0.00000000 0.00000000 4A1 69,440,000.00 6.00000~~88000% ~~884~~1000.~~38335714 4.42191676 0.~~00000000 ~~0.00000000 4A2 17,360,000.00 2.48000% 884.38335714 1.82772581 0.00000000 0.00000000 4A3 0.00 6.02000% 884.38335714~~ 4.~~43665668~~20222200 0.00000000 0.00000000 A4BIO ~~35,000,000.00 6.40000% 1000.00000000 5.33333343~~ 0.~~00000000~~01 0.~~00000000 A7 0.00 6.50000% 117.64714044 0.63725715 0.00000000 0.00000000 AP 1,694,214.00 0.~~00000% ~~958.07282905~~ 0.00000000 0.00000000 0.00000000 AX 0.~~00 6.50000% 694.55539850 3.76217485 0.~~00000000 ~~0.00000000~~OC ~~B1 11,133,000.00 6.50000% 993.42282493 5.38104015 0.00000000 0.00000000 B2 4,737,000.00 6.50000% 993.42282457 5.38104074 0.00000000 0.00000000 B3~~ 3,~~553~~124,~~000~~899.0097 ~~6.50000% 993.42282578 5.38104137~~ 0.00000000 0.00000000 B4 1,419,000.00 6.50000% 993.42282593 5.38104299 0.00000000 0.00000000 B5 1,656,000.00 6.50000% 993.42282609 5.38103865 0.00000000 0.00000000 B6 1,668,720.00 6.50000% 993.42297090 5.38104056 0.00000000 0.00000000 CAP 329,619.00 0.00000% ~~989~~1000.~~51222472~~03200742 0.00000000 0.00000000 0.00000000 ~~CAX~~P 0100.00 ~~6.50000% 824.80058794 4.46766838~~ 0.~~00000000 0.00000000 IAX 0.00 0.56678% 854.17902258 0.40344143 0.00000000 0.00000000 PAX 0.00 6.50000% 747.71576073 4.05012701 0.00000000 0.00000000 E 0.00 0.~~00000% 01000.00000000 0.00000000 0.00000000 0.00000000 PR1 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 RR2 ~~100.00 6.50000%~~ 0.~~00000000 0.00000000 0.00000000 0.00000000 ALR 0.~~00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 (5) All Classes are Per 1,000 Denomination.

Interest Distribution Factors Statement (continued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (6) Distribution Shortfall Balance ~~1A1~~A 0.~~00028600~~00000005 0.00000000 ~~4.58304720 0.00106400 1000.00000000 1A2 0.00011334 0.00000000~~ 1.~~81655322~~50546717 0.~~00042047 1000.~~00000000 ~~1A3 0~~983.~~00032862~~90148434 ~~0.00000000~~M1 ~~5.26633805~~ 0.~~00122459 1000.~~00000000 ~~1A5~~ 0.~~00008950 0.~~00000000 12.~~43720350~~04944415 0.~~00056550 137.82479750 1A6 0.00018876 0.~~00000000 ~~3.02401535 0.00088533 455.73441305 1A8 0.00028598 0.00000000 4.58304722 0.00106433~~ 1000.00000000 ~~1A9~~M2 0.~~00028594 0.~~00000000 ~~4.58304748~~ 0.~~00106426 1000.~~00000000 ~~2A1 0~~2.~~00000000~~65222200 0.00000000 ~~4.64530067 0.00000000 807.10498067 2A2 0.00000000 0.00000000 5.41666693 0.00000000~~ 1000.00000000 ~~2AP~~B 0.00000000 0.00000000 ~~0.00000000 0.00000000 991.07515140 3A1 0.00000000 0.00000000 3.29395600 0.00000000 516.19411500 3A2 0.00000000 0.00000000~~ 4.~~87616908~~20222200 0.00000000 878.42499872 4A1 0.00000000 0.00000000 4.42191676 0.00000000 814.50907042 4A2 0.00000000 0.00000000 1.82772581 0.00000000 814.50907028 4A3 0.00000000 0.00000000 4.43665668 0.00000000 814.50907028 A4 0.00027743 0.00000000 5.33305600 0.00103257 1000.00000000 A7BIO 0.00000000 0.00000000 0.~~63725715 0.~~00000000 ~~117.64714044 AP~~ 0.00000000 0.00000000 ~~0.00000000~~OC 0.00000000 ~~936.94555115 AX~~ 0.00000000 0.00000000 ~~3.76217485~~ 0.00000000 ~~637~~1000.~~89058669~~03200742 B1 0.00024701 0.00000000 5.38079314 0.00084164 992.55892572 B2 0.00024699 0.00000000 5.38079375 0.00084019 992.55892548 B3 0.00002533 0.00000000 5.38101604 0.00008444 992.55892485 B4 0.00024665 0.00000000 5.38079634 0.00083862 992.55892882 B5 0.00024758 0.00000000 5.38079106 0.00084541 992.55892512 B6 0.00024570 0.00000000 5.38079486 0.00083897 992.55907522 CAP 0.00000000 0.00000000 0.00000000 0.00000000 987.91043599 CAX 0.00000000 0.00000000 4.46766838 0.00000000 728.97219073 IAX 0.00000000 0.00000000 0.40344143 0.00000000 805.40931710 PAX 0.00000000 0.00000000 4.05012701 0.00000000 728.83013740 E 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 P 0.00000000 0.00000000 0268595.~~00000000~~80000000 0.00000000 01000.00000000 RR1 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 ~~ALR~~R2 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 (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.

~~Certificateholder~~CERTIFICATEHOLDER ~~Component~~ACCOUNT ~~Statement~~STATEMENT ~~Component~~CERTIFICATE ~~Beginning~~ACCOUNT ~~Ending~~ Beginning ~~Ending Ending Pass-Through Notional Notional Component Component Component Class Rate~~ Balance ~~Balance Balance Balance Percentage A4_1 6.40000%~~ 0.00 ~~0.00~~Deposits ~~29,170,000.00~~Payments ~~29,170,000.00~~of ~~100.00000000%~~Interest ~~A4_2~~and ~~6.40000%~~Principal ~~0.00 0.00 1,500,000.00 1,500,000.00 100.00000000% A4_3 6.40000% 0.00 0.00~~ 3,~~000~~908,~~000~~689.0011 3Liquidations,~~000,000.00~~ ~~100.00000000%~~Insurance ~~A4_4 6.40000% 0.00 0.00 1~~Proceeds,~~330,000.00~~ ~~1,330,000.00~~Reserve ~~100.00000000%~~Funds ~~A7_1 6.50000% 179,507.69 179,507.69~~ 0.00 ~~0.00~~Proceeds ~~11.76470870%~~from ~~A7_2~~Repurchased ~~6.50000%~~Loans ~~9,230.77 9,230.77~~ 0.00 ~~0.00~~Other ~~11.76478760%~~Amounts ~~A7_3~~(Servicer ~~6.50000%~~Advances) ~~18,461.54 18,461.54~~ 0.00 ~~0.00~~Realized ~~11.76471263%~~Losses ~~A7_4 6.50000% 8,184.62 8,184.62~~ 0.00 ~~0.00~~Prepayment ~~11.76475154%~~Penalties ~~AP_1~~ 0.~~00000% 0.~~00 ~~0.00~~Total ~~1,257,862.27~~Deposits ~~1,222,445.22 92.94429707% AP_3 0.00000% 0.00 0.00 365,318.13 364,941.05 96.29839116% AX_1 6.50000%~~ 3,~~064~~908,~~249~~689.9511 ~~2,953,934.32~~Withdrawals ~~0.00~~Reimbursement ~~0.00~~for ~~77.24075254%~~Servicer ~~AX_3~~Advances ~~6.50000% 434,385.34 259,267.28~~ 0.00 ~~0.00~~Payment ~~21.37565803%~~of ~~IAX_1~~Service ~~0.73436%~~Fee 12155,~~998,328~~273.4010 ~~12,987,496.09~~Payment ~~0.00~~of ~~0.00~~Interest ~~78.86048427%~~and ~~IAX_2~~Principal ~~0.40283% 13~~3,~~286~~753,~~320~~416.7101 ~~11,796,420.08~~Total ~~0.00~~Withdrawals ~~0.00~~(Pool ~~82.47587219%~~Distribution ~~PAX_1~~Amount) ~~6.50000% 7,202,144.16 6,923,944.72 0.00 0.00 69.31890052% PAX_2 6.50000%~~ 3,~~519~~908,~~619~~689.6211 ~~3,517,273.69~~Ending ~~0.00~~Balance 0.00 ~~80.09624670% PAX_3 6.50000% 407,202.46 406,655.09 0.00 0.00 80.66856772%~~

~~CERTIFICATEHOLDER~~PREPAYMENT/CURTAILMENT ~~ACCOUNT~~INTEREST ~~STATEMENT~~SHORTFALL ~~CERTIFICATE~~Total ~~ACCOUNT~~Prepayment/Curtailment ~~Beginning Balance 0.00 Deposits Payments of~~ Interest ~~and~~Shortfall ~~Principal 24,047,707.89 Liquidations, Insurance Proceeds, Reserve Funds~~ 0.00 ~~Proceeds~~Servicing ~~from~~Fee ~~Repurchased~~Support ~~Loans~~ 0.00 ~~Other~~Non-Supported ~~Amounts (Servicer Advances) 106,054.83 Realized Losses 0.00~~ Prepayment/Curtailment ~~Penalties 0.00 Total Deposits 24,153,762.72 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee 163,673.26 Payment of~~ Interest ~~and~~Shortfall ~~Principal 23,990,089.46 Total Withdrawals (Pool Distribution Amount) 24,153,762.72 Ending Balance~~ 0.00

~~PREPAYMENT/CURTAILMENT~~SERVICING ~~INTEREST~~FEES ~~SHORTFALL~~Gross ~~Total~~Servicing ~~Prepayment/Curtailment~~Fee ~~Interest~~134,677.55 ~~Shortfall~~FSA 0Premium Amount 16,969.0062 ~~Servicing~~Wells ~~Fee~~Fargo ~~Support~~Bank 0Minnesota, NA 3,625.0093 ~~Non-~~Supported Prepayment/Curtailment Interest Shortfall 810.8200 Net Servicing Fee 155,273.10

~~SERVICING~~OTHER ~~FEES~~ACCOUNTS ~~Gross~~Beginning ~~Servicing~~Current ~~Fee~~Current ~~160,885.21~~Ending ~~A4-MBIA~~Account ~~Insurance~~Type ~~Premium~~Balance 1Withdrawals Deposits Balance Reserve Fund 5,~~750~~000.00 ~~LPMI~~8.80 ~~Insurance~~8.80 ~~Premium 1~~5,~~038~~000.0500 ~~Supported~~Financial ~~Prepayment/Curtailment~~Guaranty ~~Interest~~0.00 ~~Shortfall~~0.00 0.00 ~~Net Servicing Fee 163,673~~0.2600

~~OTHER~~LOAN ~~ACCOUNTS~~STATUS ~~Beginning~~STRATIFICATION/CREDIT ~~Current~~ENHANCEMENT ~~Current~~STATEMENT ~~Ending~~DELINQUENCY ~~Account~~STATUS ~~Type~~DELINQUENT BANKRUPTCY FORECLOSURE REO Total No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance ~~Withdrawals~~Principal ~~Deposits~~Balance Principal Balance ~~Financial~~Principal ~~Guaranty~~Balance Principal Balance 0-29 Days 2 0 0 2 191,829.40 0.00 0.00 191,829.40 30 Days 13 0 0 0 13 1,173,784.43 0.00 0.00 ~~Reserve~~0.00 ~~Fund~~1,173,784.43 1060 Days 2 1 1 0 4 161,~~000~~033.57 254,592.84 192,135.17 0.00 607,761.58 90 Days 0 0 0 0 0 0.00 0.00 ~~10,000~~0.00 ~~Reserve~~0.00 ~~Fund~~0.00 ~~999~~120 Days 0 0 0 0 0 0.9900 0.00 0.00 ~~999~~0.9900 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 15 3 1 0 19 1,334,818.00 446,422.24 192,135.17 0.00 1,973,375.41 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 0.087835% 0.000000% 0.000000% 0.087835% 0.077758% 0.000000% 0.000000% 0.077758% 30 Days 0.570927% 0.000000% 0.000000% 0.000000% 0.570927% 0.475794% 0.000000% 0.000000% 0.000000% 0.475794% 60 Days 0.087835% 0.043917% 0.043917% 0.000000% 0.175670% 0.065275% 0.103199% 0.077882% 0.000000% 0.246357% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 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 0.658762% 0.131752% 0.043917% 0.000000% 0.834431% 0.541070% 0.180958% 0.077882% 0.000000% 0.799909%

Delinquency Status By Groups

~~LOAN STATUS STRATIFICATION/CREDIT ENHANCEMENT STATEMENT DELINQUENCY STATUS~~ 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 02 0 0 02 0191,829.0040 0.00 0.00 0191,829.0040 30 Days 246 0 0 0 246 7455,~~930,672~~427.2240 0.00 0.00 0.00 7455,~~930,672~~427.2240 60 Days 71 0 01 0 72 1108,~~731,469~~649.4841 0.00 0192,135.0017 0.00 1300,~~731,469~~784.4858 90 Days 60 0 0 0 60 ~~1,998,822~~0.3400 0.00 0.00 0.00 ~~1,998,822~~0.3400 120 Days 30 0 0 0 30 ~~573,914~~0.0200 0.00 0.00 0.00 ~~573,914~~0.0200 150 Days 10 0 0 0 10 ~~461,331~~0.5800 0.00 0.00 0.00 ~~461,331~~0.5800 180+ Days 80 0 0 0 80 ~~2,761,659~~0.6800 0.00 0.00 0.00 0.00 Totals 7 2 1 0 10 564,~~761~~076.81 191,~~659~~829.6840 192,135.17 0.00 948,041.38 0-29 Days 0.124766% 0.000000% 0.000000% 0.124766% 0.113850% 0.000000% 0.000000% 0.113850% 30 Days 0.374298% 0.000000% 0.000000% 0.000000% 0.374298% 0.270295% 0.000000% 0.000000% 0.000000% 0.270295% 60 Days 0.062383% 0.000000% 0.062383% 0.000000% 0.124766% 0.064483% 0.000000% 0.114032% 0.000000% 0.178515% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 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 490.436681% 0.124766% 0.062383% 0.000000% 490.623830% ~~15,457,869~~0.32334779% 0.00113850% 0.00114032% 0.00000000% ~~15,457,869~~0.32562661% 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 7 0 0 0 7 718,357.03 0.00 0.00 0.00 718,357.03 60 Days 1 1 0 0 2 52,384.16 254,592.84 0.00 0.00 306,977.00 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 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 8 1 0 0 9 770,741.19 254,592.84 0.00 0.00 1,025,334.03 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 21.~~348337~~038576% 0.000000% 0.000000% 0.000000% 21.~~348337~~038576% 20.~~123300~~918527% 0.000000% 0.000000% 0.000000% 20.~~123300~~918527% 60 Days 0.~~684932~~148368% 0.~~000000~~148368% 0.000000% 0.000000% 0.~~684932~~296736% 0.~~463571~~066981% 0.~~000000~~325535% 0.000000% 0.000000% 0.~~463571~~392516% 90 Days 0.~~587084~~000000% 0.000000% 0.000000% 0.000000% 0.~~587084~~000000% 0.~~535150~~000000% 0.000000% 0.000000% 0.000000% 0.~~535150~~000000% 120 Days 0.~~293542~~000000% 0.000000% 0.000000% 0.000000% 0.~~293542~~000000% 0.~~153656~~000000% 0.000000% 0.000000% 0.000000% 0.~~153656~~000000% 150 Days 0.~~097847~~000000% 0.000000% 0.000000% 0.000000% 0.~~097847~~000000% 0.~~123514~~000000% 0.000000% 0.000000% 0.000000% 0.~~123514~~000000% 180+ Days 0.~~782779~~000000% 0.000000% 0.000000% 0.000000% 0.~~782779~~000000% 0.~~739386~~000000% 0.000000% 0.000000% 0.000000% 0.~~739386~~000000% Totals 41.~~794521~~186944% 0.~~000000~~148368% 0.000000% 0.000000% 41.~~794521~~335312% 40.~~138576~~985508% 0.~~000000~~325535% 0.000000% 0.000000% 41.~~138576~~311044%

~~Delinquency~~OTHER ~~Status~~INFORMATION ByCurrent ~~Groups~~Period ~~DELINQUENT~~Class ~~BANKRUPTCY~~A ~~FORECLOSURE~~Insufficient ~~REO~~Funds ~~Total Group 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 16 0 0 0 16 4,466,819.27 0.00 0.00 0.00 4,466,819.27 60 Days 5 0 0 0 5 990,598.17 0.00 0.00 0.00 990,598.17 90 Days 5 0 0 0 5 1,526,885.98 0.00 0.00 0.00 1,526,885.98 120 Days 2 0 0 0 2 248,425.31 0.00 0.00 0.00 248,425.31 150 Days 1 0 0 0 1 461,331.58 0.00 0.00 0.00 461,331.58 180 Days 8 0 0 0 8 2,761,659.68 0.00 0.00 0.00 2,761,659.68 Totals 37 0 0 0 37 10,455,719.99 0.00 0.00 0.00 10,455,719.99 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 2.435312% 0.000000% 0.000000% 0.000000% 2.435312% 1.932641% 0.000000% 0.000000% 0.000000% 1.932641% 60 Days 0.761035% 0.000000% 0.000000% 0.000000% 0.761035% 0.428598% 0.000000% 0.000000% 0.000000% 0.428598% 90 Days 0.761035% 0.000000% 0.000000% 0.000000% 0.761035% 0.660632% 0.000000% 0.000000% 0.000000% 0.660632% 120 Days 0.304414% 0.000000% 0.000000% 0.000000% 0.304414% 0.107485% 0.000000% 0.000000% 0.000000% 0.107485% 150 Days 0.152207% 0.000000% 0.000000% 0.000000% 0.152207% 0.199603% 0.000000% 0.000000% 0.000000% 0.199603% 180 Days 1.217656% 0.000000% 0.000000% 0.000000% 1.217656% 1.194877% 0.000000% 0.000000% 0.000000% 1.194877% Totals 5.631659% 0.000000% 0.000000% 0.000000% 5.631659% 4.523836% 0.000000% 0.000000% 0.000000% 4.523836% DELINQUENT BANKRUPTCY FORECLOSURE REO Total Group 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 5 0 0 0 5 2,431,041.78 0.00 0.00 0.00 2,431,041.78 60 Days 1 0 0 0 1 377,132.29 0.00 0.00 0.00 377,132.29 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 1 0 0 0 1 325,488.71 0.00 0.00 0.00 325,488.71 150 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 7 0 0 0 7 3,133,662.78 0.00 0.00 0.00 3,133,662.78 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 4.761905% 0.000000% 0.000000% 0.000000% 4.761905% 5.865190% 0.000000% 0.000000% 0.000000% 5.865190% 60 Days 0.952381% 0.000000% 0.000000% 0.000000% 0.952381% 0.909878% 0.000000% 0.000000% 0.000000% 0.909878% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.952381% 0.000000% 0.000000% 0.000000% 0.952381% 0.785282% 0.000000% 0.000000% 0.000000% 0.785282% 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 6.666667% 0.000000% 0.000000% 0.000000% 6.666667% 7.560350% 0.000000% 0.000000% 0.000000% 7.560350% DELINQUENT BANKRUPTCY FORECLOSURE REO Total Group 3 No of ~~Loans~~Contaminated NoProperties ~~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~~Periodic ~~0.00~~Advance ~~0.00 30 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 1 0 0 0 1 471~~16,~~936~~149.36 0.00 0.00 0.00 471,936.36 120 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 1 0 0 0 1 471,936.36 0.00 0.00 0.00 471,936.36 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 90 Days 1.666667% 0.000000% 0.000000% 0.000000% 1.666667% 1.983083% 0.000000% 0.000000% 0.000000% 1.983083% 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 1.666667% 0.000000% 0.000000% 0.000000% 1.666667% 1.983083% 0.000000% 0.000000% 0.000000% 1.983083% DELINQUENT BANKRUPTCY FORECLOSURE REO Total Group 4 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 3 0 0 0 3 1,032,811.17 0.00 0.00 0.00 1,032,811.17 60 Days 1 0 0 0 1 363,739.02 0.00 0.00 0.00 363,739.02 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 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 4 0 0 0 4 1,396,550.19 0.00 0.00 0.00 1,396,550.19 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 1.500000% 0.000000% 0.000000% 0.000000% 1.500000% 1.338964% 0.000000% 0.000000% 0.000000% 1.338964% 60 Days 0.500000% 0.000000% 0.000000% 0.000000% 0.500000% 0.471561% 0.000000% 0.000000% 0.000000% 0.471561% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 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 2.000000% 0.000000% 0.000000% 0.000000% 2.000000% 1.810526% 0.000000% 0.000000% 0.000000% 1.810526%93

~~OTHER~~COLLATERAL ~~INFORMATION~~STATEMENT ~~Current~~Collateral ~~Period~~Description ~~Class~~Fixed A& ~~Insufficient~~Mixed ~~Funds~~ARM Weighted Average Gross Coupon 9.393113% Weighted Average Net Coupon 8.743113% Weighted Average Pass-Through Rate 8.725612% Weighted Average Maturity (Stepdown Calculation) 320 Beginning Scheduled Collateral Loan Count 2,290 Number Of Loans Paid In Full 13 Ending Scheduled Collateral Loan Count 2,277 Beginning Scheduled Collateral Balance 248,635,507.27 Ending Scheduled Collateral Balance 246,699,904.29 Ending Actual Collateral Balance at 30-Nov-2002 246,699,904.29 Monthly P &I Constant 2,199,459.11 Special Servicing Fee 0.00 ~~Principal~~Prepayment ~~Balance~~Penalties of0.00 ~~Contaminated~~Realized ~~Properties~~Loss Amount 0.00 ~~Periodic~~Cumulative ~~Advance~~Realized ~~106~~Loss 0.00 Ending Scheduled Balance for Premium Loans 246,~~054~~699,904.8329 Scheduled Principal 253,241.33 Unscheduled Principal 1,682,361.65

~~CREDIT~~First ~~ENHANCEMENT~~Payment ~~Original~~Loan $Account ~~Original~~Balance ~~% Current~~ $ ~~Current % Bankruptcy 138,987.00~~ 0.~~02933281% 138,987.~~00 ~~0.03724212%~~Pre-Funding ~~Fraud~~Account ~~9,456,554.00~~Balance 1$0.~~99577906% 9,456,554.~~00 ~~2.53392103%~~Initial ~~Special~~Interest ~~Hazard~~Coverage ~~7,989,228.00~~Account 1$0.~~68610405% 4,000,000.~~00 ~~1.07181581% Limit of Subordinate's Exposure to Certain Types of Losses~~

COLLATERAL STATEMENT Collateral Description Fixed & Mixed ~~Fixed~~ARM Weighted Average ~~Gross~~ Coupon 7Rate 9.~~275183~~393113% Weighted Average Net Rate 8.743113% Weighted Average Pass- Through Rate 68.~~783154~~725612% Weighted Average Maturity~~(Stepdown~~ ~~Calculation)~~320 ~~346~~Record ~~Beginning~~Date ~~Scheduled~~11/30/2002 ~~Collateral~~Principal ~~Loan~~and ~~Count~~Interest 1Constant 2,~~071~~199,459.11 ~~Number~~Beginning OfLoan Count 2,290 Loans Paid Inin Full 4913 Ending ~~Scheduled Collateral~~ Loan Count 12,~~022~~277 Beginning Scheduled ~~Collateral~~ Balance ~~394~~248,~~911~~635,~~392~~507.4827 Ending Scheduled ~~Collateral~~ Balance ~~373~~246,~~198~~699,~~450~~904.3629 Ending Actual ~~Collateral~~ Balance at 3130-~~Oct~~Nov-2002 ~~373~~246,~~506~~699,~~927~~904.3429 ~~Monthly~~Scheduled ~~P&I~~Principal ~~Constant~~253,241.33 2Unscheduled Principal 1,~~738~~682,~~674~~361.7965 ~~Special~~Scheduled Interest 1,946,217.78 Servicing Fee 134,677.55 Master Servicing Fee 0.00 ~~Prepayment~~Trustee ~~Penalties~~Fee 3,625.93 FRY Amount 0.00 ~~Realized~~Special ~~Loss~~Hazard ~~Amount~~Fee 0.00 ~~Cumulative~~Other ~~Realized~~Fee ~~Loss~~0.00 Pool Insurance Fee 0.00 ~~Class~~Spread A1 ~~Non-PO~~0.00 ~~Optimal~~Spread ~~Amount~~2 230.00 Spread 3 0.00 Net Interest 1,~~719~~807,~~898~~914.0930 ~~Class~~Realized APLoss ~~Deferred~~ Amount 0.00 ~~Scheduled~~Cumulative ~~Principal~~Realized ~~344,464~~Loss 0.3600 ~~Unscheduled~~Percentage ~~Principal~~of ~~21,368,477~~Cumulative Losses 0.7600 Special Servicing Fee 0.00 Prepayment Penalties 0.00

~~Group~~Miscellaneous ~~Level~~Reporting ~~Collateral~~Three ~~Statement~~Month ~~Group~~Delinquency ~~Group 1 Group 2 Group 3 Collateral Description Mixed Fixed Mixed Fixed Mixed Fixed Weighted Average Coupon~~ Rate 70.~~407645~~1422% ~~7.327660~~Delinquency ~~6.986349~~Event ~~Weighted~~NO ~~Average~~Cumulative ~~Net~~Loss ~~Rate~~Event ~~7.157645~~NO ~~7.077659~~Trigger ~~6.736351~~Event ~~Weighted~~NO ~~Average~~Subordination ~~Maturity~~Required ~~345~~OC ~~344~~Amount ~~347 Beginning Loan Count 684 107 64 Loans Paid In Full 27 2 4 Ending Loan Count 657 105 60 Beginning Scheduled Balance 243~~3,~~803~~125,~~158~~000.37 42,929,661.98 25,038,523.80 Ending scheduled Balance 230,938,676.43 41,412,362.72 23,777,445.87 Record Date 10/31/2002 10/31/2002 10/31/2002 Principal And Interest Constant 1,708,831.42 299,610.02 170,233.13 Scheduled Principal 203,825.37 37,465.06 24,459.91 Unscheduled Principal 12,660,656.57 1,479,834.20 1,236,618.02 Scheduled Interest 1,505,006.05 262,144.96 145,773.22 Servicing Fees 50,792.34 8,943.72 5,216.31 Master Servicing Fees 0.00 ~~0.00~~Overcollateralized ~~0.00 Trustee Fee 0.00 0.00 0.00 FRY~~ Amount 763,~~260.27 0.00 2~~125,~~351~~000.~~71 Special Hazard Fee 0.~~00 ~~0.00~~Excess ~~0.00 Other Fee 602.44 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 1,~~377~~365,~~351~~933.0089 ~~253,201.24~~Subordination ~~138,205.20~~Deficiency ~~Realized Loss Amount~~ 0.00 ~~0.00~~Overcollateralized ~~0.00~~Excess ~~Cumulative Realized Loss~~ 0.00 ~~0.00~~OC ~~0.00~~Reduction ~~Percentage~~Amount ~~of Cumulative Losses~~ 0.00 ~~0.00 0.00 Prepayment Penalties 0.00 0.00 0.00 Special Servicing Fee 0.00 0.00 0.00 Pass-Through Rate 6.779327 7.077660 6.623640~~

Group Level Collateral Statement Group ~~Group~~1 42 Total Collateral Description Mixed Fixed Mixed ARM Fixed & Mixed ARM Weighted Average Coupon Rate 69.~~946633~~425587 79.~~275183~~322689 9.393113 Weighted Average Net Rate 68.~~696633~~775587 78.~~025183~~672689 8.743113 Weighted Average Maturity ~~343~~304 ~~346~~355 320 Beginning Loan Count ~~216~~ 1,~~071~~614 676 2,290 Loans Paid In Full 1611 492 13 Ending Loan Count ~~200~~ 1,~~022~~603 674 2,277 Beginning Scheduled Balance 83170,~~140~~167,~~048~~269.3376 ~~394~~78,~~911~~468,~~392~~237.4851 248,635,507.27 Ending scheduled Balance 77168,~~069~~492,~~965~~433.3463 ~~373~~78,~~198~~207,~~450~~470.3666 246,699,904.29 Record Date 1011/3130/2002 1011/3130/2002 11/30/2002 Principal And Interest Constant ~~560~~1,~~000~~545,707.2294 653,751.17 2,~~738~~199,~~674~~459.7911 Scheduled Principal 78209,~~714~~102.0264 ~~344~~44,~~464~~138.3669 253,241.33 Unscheduled Principal 51,~~991~~465,~~368~~733.9749 21216,~~368~~628.16 1,~~477~~682,361.7665 Scheduled Interest ~~481~~1,~~286~~336,605.2030 2609,~~394~~612.48 1,~~210~~946,217.4378 Servicing Fees 1792,~~320~~173.8693 8242,~~273~~503.2362 134,677.55 Master Servicing Fees 02,481.0061 01,144.0032 3,625.93 Trustee Fee 0.00 0.00 0.00 FRY Amount 0.00 ~~78,611~~0.9800 0.00 Special Hazard Fee 0.00 0.00 0.00 Other Fee ~~435~~0.6100 ~~1,038~~0.0500 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 ~~463~~1,~~529~~241,949.7376 2565,~~232~~964.54 1,~~287~~807,914.1730 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 Prepayment Penalties 0.00 0.00 0.00 Special Servicing Fee 0.00 0.00 0.00 Pass-Through Rate 68.~~690346~~758087 68.~~783154~~655189 8.725612

Filing Compare · RENAISSANCE HOME EQUITY LOAN TR ASSET BKD CER SERIES 2002-3