Exhibit 99.3


                                 CITEC 2002-VT1



                               Principal Distribution  Interest Distribution
                                                   
Class A-1                              288,499,999.99           1,886,070.49
Class A-2                               12,018,489.91           5,466,902.80
Class A-3                                           -           8,749,018.03
Class A-4                                           -           3,386,366.16
Class B                                  8,876,019.91             674,176.60
Class C                                  4,832,374.50             411,228.56
Class D                                  9,761,743.01             956,315.12

Total CITEC 2002-VT1                   323,988,627.32          21,530,077.76


CPB A/O 12/31/02                                              744,508,366.67


RPA/Delinquency A/O 12/31/02


 31-60 days                                                    22,212,986.79
 61-90 days                                                     6,096,437.20
 91-120 days                                                    2,819,004.81
 120+ days                                                      3,369,084.72