8-K 1 rma03001.txt OCTOBER 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): October 27, 2003 RENAISSANCE MORTGAGE ACCEPTANCE CORPORATION Home Equity Loan Asset-Backed Certs., Series 2003-1 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-82550-05 75-3033688 Pooling and Servicing Agreement) (Commission 75-3033698 (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 October 27, 2003 a distribution was made to holders of RENAISSANCE MORTGAGE ACCEPTANCE CORPORATION, Home Equity Loan Asset-Backed Certs., Series 2003-1 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 2003-1 Trust, relating to the October 27, 2003 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 2003-1 Trust By: Wells Fargo Bank Minnesota, N.A. as Trustee By: /s/ Beth Belfield, Assistant Vice President By: Beth Belfield, Assistant Vice President Date: 10/30/03 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Home Equity Loan Asset-Backed Certs., Series 2003-1 Trust, relating to the October 27, 2003 distribution. EX-99.1

Renaissance Mortgage Acceptance Corp. Home Equity Loan Asset-Backed Certificates Record Date: 89/3130/03 Distribution Date: 910/2527/03 RMAC Series: 2003-1 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 759950AQ1 SEN 1.~~54000~~55000% ~~208~~205,~~849~~153,~~997~~150.9733 ~~276~~282,~~544~~238.4786 35,~~696~~598,~~847~~465.6490 AIO 759950AR9 SEN 3.00000% 0.00 73,~~941~~099.8560 0.00 M-1 759950AS7 SUB 2.~~11000~~12000% 17,105,000.00 3132,~~032~~185.4092 0.00 M-2 759950AT5 SUB 5.61700% 14,473,000.00 67,~~644~~645.4885 0.00 B-A 759950AU2 SUB 5.~~36000~~37000% 3,000,000.00 1314,~~825~~298.9889 0.00 B-F 759950AV0 SUB 7.34600% 7,000,000.00 42,~~787~~788.6451 0.00 BIO RMA031BIO SEN 0.00000% 0.01 1,~~223~~191,~~070~~094.5557 0.00 P RMA03001P SUB 0.00000% 100.00 69142,~~662~~874.0798 0.00 R1 RMA0301R1 SEN 0.00000% 0.00 0.00 0.00 R2 RMA0301R2 SEN 0.00000% 0.00 0.00 0.00 Totals ~~250~~246,~~428~~731,~~097~~250.9834 1,~~798~~846,~~509~~227.4418 35,~~696~~598,~~847~~465.6490

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses A 0.00 ~~205~~199,~~153~~554,~~150~~684.3343 35,~~973~~880,~~392~~704.1176 0.00 AIO 0.00 0.00 73,~~941~~099.8560 0.00 M-1 0.00 17,105,000.00 3132,~~032~~185.4092 0.00 M-2 0.00 14,473,000.00 67,~~644~~645.4885 0.00 B-A 0.00 3,000,000.00 1314,~~825~~298.9889 0.00 B-F 0.00 7,000,000.00 42,~~787~~788.6451 0.00 BIO 0.00 0.01 1,~~223~~191,~~070~~094.5557 0.00 P 0.00 100.00 69142,~~662~~874.0798 0.00 R1 0.00 0.00 0.00 0.00 R2 0.00 0.00 0.00 0.00 Totals 0.00 ~~246~~241,~~731~~132,~~250~~784.3444 57,~~495~~444,~~357~~693.08 0.00 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) A 216,973,000.00 ~~208~~205,~~849~~153,~~997~~150.9733 0.00 35,~~696~~598,~~847~~465.6490 0.00 0.00 AIO 0.00 0.00 0.00 0.00 0.00 0.00 M-1 17,105,000.00 17,105,000.00 0.00 0.00 0.00 0.00 M-2 14,473,000.00 14,473,000.00 0.00 0.00 0.00 0.00 B-A 3,000,000.00 3,000,000.00 0.00 0.00 0.00 0.00 B-F 7,000,000.00 7,000,000.00 0.00 0.00 0.00 0.00 BIO 0.00 0.01 0.00 0.00 0.00 0.00 P 100.00 100.00 0.00 0.00 0.00 0.00 R1 0.00 0.00 0.00 0.00 0.00 0.00 R2 0.00 0.00 0.00 0.00 0.00 0.00 Totals 258,551,100.00 ~~250~~246,~~428~~731,~~097~~250.9834 0.00 35,~~696~~598,~~847~~465.6490 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 A 35,~~696~~598,~~847~~465.6490 ~~205~~199,~~153~~554,~~150~~684.3343 0.~~94552387~~91972128 35,~~696~~598,~~847~~465.6490 AIO 0.00 0.00 0.00000000 0.00 M-1 0.00 17,105,000.00 1.00000000 0.00 M-2 0.00 14,473,000.00 1.00000000 0.00 B-A 0.00 3,000,000.00 1.00000000 0.00 B-F 0.00 7,000,000.00 1.00000000 0.00 BIO 0.00 0.01 0.00000000 0.00 P 0.00 100.00 1.00000000 0.00 R1 0.00 0.00 0.00000000 0.00 R2 0.00 0.00 0.00000000 0.00 Totals 35,~~696~~598,~~847~~465.6490 ~~246~~241,~~731~~132,~~250~~784.3444 0.~~95428428~~93263105 35,~~696~~598,~~847~~465.6490

Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion A 216,973,000.00 ~~962~~945.~~56215276~~52386855 0.00000000 1725.~~03828421~~80259249 0.00000000 AIO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 M-1 17,105,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-2 14,473,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 B-A 3,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 B-F 7,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 BIO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 P 100.00 1000.00000000 0.00000000 0.00000000 0.00000000 R1 0.00 0.00000000 0.00000000 0.00000000 0.00000000 R2 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 A 0.00000000 1725.~~03828421~~80259249 ~~945~~919.~~52386855~~72127606 0.~~94552387~~91972128 1725.~~03828421~~80259249 AIO 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-A 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 B-F 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 BIO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 P 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 R1 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R2 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 (3) Amount Does Not Include Excess Special Hazard, Bankruptcy, 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 A 216,973,000.00 1.~~54000~~55000% ~~208~~205,~~849~~153,~~997~~150.9733 ~~276~~282,~~958~~655.3045 0.00 0.00 AIO 0.00 3.00000% 29,~~621~~283,000.00 7473,~~052~~207.50 0.00 0.00 M-1 17,105,000.00 2.~~11000~~12000% 17,105,000.00 3132,~~078~~233.8342 0.00 0.00 M-2 14,473,000.00 5.61700% 14,473,000.00 67,745.70 0.00 0.00 B-A 3,000,000.00 5.~~36000~~37000% 3,000,000.00 1314,~~846~~320.6700 0.00 0.00 B-F 7,000,000.00 7.34600% 7,000,000.00 42,851.67 0.00 0.00 BIO 0.00 0.00000% 0.01 0.00 0.00 0.00 P 100.00 0.00000% 100.00 0.00 0.00 0.00 R1 0.00 0.00000% 0.00 0.00 0.00 0.00 R2 0.00 0.00000% 0.00 0.00 0.00 0.00 Totals 258,551,100.00 ~~506~~513,~~533~~013.6774 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 ~~413~~416.8359 0.00 ~~276~~282,~~544~~238.4786 0.00 ~~205~~199,~~153~~554,~~150~~684.3343 AIO ~~110~~107.6590 0.00 73,~~941~~099.8560 0.00 2928,~~283~~907,000.00 M-1 4647.4451 0.00 3132,~~032~~185.4092 0.00 17,105,000.00 M-2 ~~101~~99.2385 0.00 67,~~644~~645.4885 0.00 14,473,000.00 B-A 2021.6911 0.00 1314,~~825~~298.9889 0.00 3,000,000.00 B-F 6463.0316 0.00 42,~~787~~788.6451 0.00 7,000,000.00 BIO 0.00 0.00 1,~~223~~191,~~070~~094.5557 0.00 0.01 P 0.00 0.00 69142,~~662~~874.0798 0.00 100.00 R1 0.00 0.00 0.00 0.00 0.00 R2 0.00 0.00 0.00 0.00 0.00 Totals 756.8712 0.00 1,~~798~~846,~~509~~227.4418 0.00 (4) Amount Does Not Include Excess Special Hazard, Bankruptcy, 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 A 216,973,000.00 1.~~54000~~55000% ~~962~~945.~~56215276~~52386855 1.~~27646435~~30272177 0.00000000 0.00000000 AIO 0.00 3.00000% ~~964~~953.~~82199277~~81257939 2.~~41205498~~38453145 0.00000000 0.00000000 M-1 17,105,000.00 2.~~11000~~12000% 1000.00000000 1.~~81694417~~88444431 0.00000000 0.00000000 M-2 14,473,000.00 5.61700% 1000.00000000 4.68083328 0.00000000 0.00000000 B-A 3,000,000.00 5.~~36000~~37000% 1000.00000000 4.~~61555667~~77333333 0.00000000 0.00000000 B-F 7,000,000.00 7.34600% 1000.00000000 6.12166714 0.00000000 0.00000000 BIO 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 P 100.00 0.00000% 1000.00000000 0.00000000 0.00000000 0.00000000 R1 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 R2 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 A 0.~~00190729~~00192001 0.00000000 1.~~27455706~~30080176 0.00000000 ~~945~~919.~~52386855~~72127606 AIO 0.~~00360412~~00351454 0.00000000 2.~~40845086~~38101690 0.00000000 ~~953~~941.~~81257939~~56542132 M-1 0.~~00271500~~00277755 0.00000000 1.~~81422976~~88166735 0.00000000 1000.00000000 M-2 0.~~00699440~~00689905 0.00000000 4.~~67383956~~67393422 0.00000000 1000.00000000 B-A 0.~~00689667~~00703667 0.00000000 4.~~60866000~~76629667 0.00000000 1000.00000000 B-F 0.~~00914714~~00902286 0.00000000 6.~~11252000~~11264429 0.00000000 1000.00000000 BIO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 P 0.00000000 0.00000000 ~~696620~~1428749.~~70000000~~80000000 0.00000000 1000.00000000 R1 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R2 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 (6) Amount Does Not Include Excess Special Hazard, Bankruptcy,or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and Principal 57,~~583~~531,~~719~~708.4207 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 0.00 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 0.00 Total Deposits 57,~~583~~531,~~719~~708.4207 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee 8887,~~362~~014.3499 Payment of Interest and Principal 57,~~495~~444,~~357~~693.08 Total Withdrawals (Pool Distribution Amount) 57,~~583~~531,~~719~~708.4207 Ending Balance 0.00

SERVICING FEES Gross Servicing Fee 6362,~~758~~834.4225 FSA Premium 20,~~885~~515.0032 Wells Fargo Bank Minnesota, N.A. 3,~~718~~665.9242 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee 8887,~~362~~014.3499

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 5 0 0 5 ~~550~~546,~~631~~940.5650 0.00 0.00 ~~550~~546,~~631~~940.5650 30 Days 3026 01 0 0 3027 43,~~404~~158,~~441~~214.4450 048,210.0037 0.00 0.00 43,~~404~~206,~~441~~424.4487 60 Days 24 0 514 0 718 ~~341~~332,~~262~~042.1787 0.00 ~~472~~2,~~838~~239,730.4448 0.00 ~~814~~2,~~100~~571,773.6135 90 Days 20 0 65 0 85 ~~277,580~~0.8600 0.00 ~~486~~720,~~966~~281.0648 0.00 ~~764~~720,~~546~~281.9248 120 Days 2 0 1 6 0 37 ~~113,198.08~~ 0.00 5538,~~804~~890.2088 682,943.53 0.00 ~~169~~721,~~002~~834.2841 150 Days 02 0 01 0 03 0113,142.0045 0.00 055,775.0033 0.00 0168,917.0078 180+ Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 3632 57 1226 0 5365 53,~~136~~603,~~482~~399.5582 ~~550~~634,~~631~~041.5675 13,~~015~~698,~~608~~730.7082 0.00 67,~~702~~936,~~722~~172.8139 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.~~248262~~253550% 0.000000% 0.000000% 0.~~248262~~253550% 0.~~219082~~222571% 0.000000% 0.000000% 0.~~219082~~222571% 30 Days 1.~~489573~~318458% 0.~~000000~~050710% 0.000000% 0.000000% 1.~~489573~~369168% 1.~~752409~~285196% 0.~~000000~~019619% 0.000000% 0.000000% 1.~~752409~~304815% 60 Days 0.~~099305~~202840% 0.000000% 0.~~248262~~709939% 0.000000% 0.~~347567~~912779% 0.~~135779~~135121% 0.000000% 0.~~188130~~911431% 0.000000% 01.~~323909~~046551% 90 Days 0.~~099305~~000000% 0.000000% 0.~~297915~~253550% 0.000000% 0.~~397219~~253550% 0.~~110442~~000000% 0.000000% 0.~~193751~~293110% 0.000000% 0.~~304193~~293110% 120 Days 0.~~099305~~000000% 0.~~000000~~050710% 0.~~049652~~304260% 0.000000% 0.~~148957~~354970% 0.~~045038~~000000% 0.~~000000~~015826% 0.~~022203~~277915% 0.000000% 0.~~067241~~293742% 150 Days 0.~~000000~~101420% 0.000000% 0.~~000000~~050710% 0.000000% 0.~~000000~~152130% 0.~~000000~~046042% 0.000000% 0.~~000000~~022697% 0.000000% 0.~~000000~~068739% 180+ Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 1.~~787488~~622718% 0.~~248262~~354970% 01.~~595829~~318458% 0.000000% 23.~~631579~~296146% 21.~~043669~~466359% 0.~~219082~~258015% 01.~~404083~~505153% 0.000000% 23.~~666833~~229527%

COLLATERAL STATEMENT Collateral Description Mixed Fixed & Arm Weighted Average Gross Coupon 8.~~554023~~551677% Weighted Average Net Coupon 8.~~254023~~251677% Weighted Average Pass-Through Rate 8.~~236523~~234177% Weighted Average Maturity(Stepdown Calculation ) ~~317~~316 Beginning Scheduled Collateral Loan Count 2,~~043~~014 Number Of Loans Paid In Full 2942 Ending Scheduled Collateral Loan Count 21,~~014~~972 Beginning Scheduled Collateral Balance ~~255~~251,~~033~~336,~~232~~384.0743 Ending Scheduled Collateral Balance ~~251~~245,~~336~~737,~~384~~918.4353 Ending Actual Collateral Balance at 3130-~~Aug~~Sep-2003 ~~251~~245,~~336~~737,~~384~~918.4353 Monthly P &I Constant 2,~~114~~086,~~840~~050.2820 Special Servicing Fee 0.00 Prepayment Penalties 0.00 Realized Loss Amount 0.00 Cumulative Realized Loss 905.20 Ending Scheduled Balance for Premium Loans ~~251~~245,~~336~~737,~~384~~918.4353 Scheduled Principal ~~296~~294,~~873~~927.5215 Unscheduled Principal 35,~~399~~303,~~974~~538.1275

Curtailments $ 3231,~~607~~142.2454 Servicing Advance Recovery $ 4652,~~471~~016.2313 ~~Pre-Funding Account remaining amount 0.00 First Payment Loan Account remaining amount 0.00~~ P & I Advance $ 1,~~776~~759,~~031~~252.3793 P & I Recovery $ 1,~~355~~778,~~497~~146.1164

Miscellaneous Reporting Required OC Amount 4,605,234.10 Subordination Deficiency Amount 0.00 Excess Overcollateralization 0.00 Subordination Reduction 0.00 Subordination Increase 0.00 Overcollateralization Amount 4,605,234.10 Extra Interest paid as Principal 0.00 Three Month Delinquency Rate 01.~~606842~~157654% Delinquency Event NO Cumulative Loss Event NO Step Down Date Occurred NO Trigger Event NO

Group Level Collateral Statement Group 1 2 Total Collateral Description Mixed ARM Mixed Fixed Mixed Fixed & Arm Weighted Average Coupon Rate 8.~~487486~~490943 8.~~579405~~575007 8.~~554023~~551677 Weighted Average Net Rate 8.~~187486~~190943 8.~~279405~~275007 8.~~254023~~251677 Weighted Average Maturity ~~307~~306 ~~343~~342 ~~317~~316 Beginning Loan Count ~~577~~573 1,~~466~~441 2,~~043~~014 Loans Paid In Full 49 2533 2942 Ending Loan Count ~~573~~564 1,~~441~~408 21,~~014~~972 Beginning Scheduled Balance 7069,~~423~~751,~~215~~571.4777 ~~184~~181,~~610~~584,~~016~~812.6066 ~~255~~251,~~033~~336,~~232~~384.0743 Ending scheduled Balance 6968,~~751,~~571,834.7750 ~~181~~177,~~584~~166,~~812~~084.6603 ~~251~~245,~~336~~737,~~384~~918.4353 Record Date 0809/3130/2003 0809/3130/2003 0809/3130/2003 Principal And Interest Constant ~~552~~548,~~991~~384.4924 1,~~561~~537,~~848~~665.7996 2,~~114~~086,~~840~~050.2820 Scheduled Principal 54,~~894~~837.7804 ~~241~~240,~~978~~090.7411 ~~296~~294,~~873~~927.5215 Unscheduled Principal ~~616~~1,~~748~~124,900.9223 24,~~783~~178,~~225~~638.2052 35,~~399~~303,~~974~~538.1275 Scheduled Interest ~~498~~493,~~096~~547.7120 1,~~319~~297,~~870~~575.0585 1,~~817~~791,~~966~~123.7605 Servicing Fees 17,~~605~~437.8089 4645,~~152~~396.5020 6362,~~758~~834.3009 Master Servicing Fees 0.00 0.00 0.00 Trustee Fee 1,~~027~~017.0021 2,~~692~~648.2311 3,~~719~~665.2332 FRY Amount 0.00 0.00 0.00 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 ~~479~~475,~~463~~092.9110 1,~~271~~249,~~025~~531.3254 1,~~750~~724,~~489~~623.2364 Realized Loss Amount 0.00 0.00 0.00 Cumulative Realized Loss 0.00 905.20 905.20 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 8.~~169986~~173443 8.~~261905~~257507 8.~~236523~~234177

Filing Compare · RENAISSANCE MORT ACCEPT CORP HOME EQ LN AS BK CER SE 03 1