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): February 25, 2004
BANC OF AMERICA ALTERNATIVE LOAN TRUST
Mortgage Pass-Through Certificates, Series 2003-10 Trust
(Exact name of registrant as specified in its charter)
New York (governing law of 333-105940-17 54-2135813
Pooling and Servicing Agreement) (Commission 54-2135814
(State or other File Number) IRS EIN
jurisdiction
of Incorporation)
c/o Wells Fargo Bank, 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 February 25, 2004 a distribution was made to holders of BANC OF AMERICA
ALTERNATIVE LOAN TRUST, Mortgage Pass-Through Certificates, Series 2003-10
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 Mortgage Pass-Through Certificates,
Series 2003-10 Trust, relating to the
February 25, 2004 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.
BANC OF AMERICA ALTERNATIVE LOAN TRUST
Mortgage Pass-Through Certificates, Series 2003-10 Trust
By: Wells Fargo Bank, N.A. as Trustee
By: /s/ Beth Belfield as Assistant Vice President
By: Beth Belfield as Assistant Vice President
Date: 3/8/04
INDEX TO EXHIBITS
Exhibit Number Description
EX-99.1 Monthly report distributed to holders of Mortgage
Pass-Through Certificates, Series 2003-10 Trust,
relating to the February 25, 2004 distribution.
EX-99.1
Banc of America Alternative Loan Trust
Mortgage Pass-Through Certificates
Record Date: 1/31/04
Distribution Date: 2/25/04
BAA Series: 2003-10
Contact: Customer Service - CTSLink
Wells Fargo Bank, 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
<s> <c> <c> <c> <c> <c> <c>
1-A-1 05948KGY9 SEN 5.50000% 61,665,760.51 282,634.70 461,534.52
1-A-R 05948KGZ6 SEN 5.50000% 0.00 0.00 0.00
1-A-LR 05948KHA0 SEN 5.50000% 0.00 0.00 0.00
2-A-1 05948KHB8 SEN 6.00000% 35,593,719.36 177,968.57 635,530.31
2-A-2 05948KHC6 SEN 1.55000% 64,195,246.71 82,918.85 1,238,198.09
2-A-3 05948KHD4 SEN 16.68000% 26,748,019.96 371,797.42 515,915.88
2-A-4 05948KHE2 SEN 6.00000% 5,701,591.12 28,507.95 (28,507.95)
3-A-1 05948KHF9 SEN 5.50000% 86,143,128.63 394,822.62 647,752.98
CB-IO 05948KHG7 IO 0.42153% 0.00 69,459.79 0.00
4-A-1 05948KHH5 SEN 5.50000% 27,670,291.21 126,822.15 37,225.77
4-A-2 05948KHJ1 SEN 5.50000% 2,341,000.00 10,729.58 0.00
4-A-3 05948KHK8 SEN 5.50000% 2,341,000.00 10,729.58 0.00
4-IO 05948KHL6 IO 0.59275% 0.00 13,204.99 0.00
5-A-1 05948KHM4 SEN 4.50000% 70,746,319.91 265,298.68 469,660.96
5-A-2 05948KHN2 SEN 4.50000% 1,303,792.22 4,889.22 8,655.44
6-A-1 05948KHP7 SEN 5.25000% 1,636,891.20 7,161.40 9,213.17
6-A-2 05948KHQ5 SEN 5.50000% 44,730,648.33 205,015.45 251,764.57
6-A-3 05948KHR3 SEN 5.00000% 44,730,648.33 186,377.69 251,764.57
15-IO 05948KHS1 IO 0.38768% 0.00 35,861.55 0.00
PO 05948KHT9 PO 0.00000% 5,441,662.64 0.00 27,080.35
15-B-1 05948KHX0 SUB 4.91792% 1,937,789.83 7,941.58 7,671.95
15-B-2 05948KHY8 SUB 4.91792% 590,366.08 2,419.48 2,337.33
15-B-3 05948KHZ5 SUB 4.91792% 589,373.87 2,415.41 2,333.40
15-B-4 05948KJE0 SUB 4.91792% 253,014.03 1,036.92 1,001.71
15-B-5 05948KJF7 SUB 4.91792% 168,676.02 691.28 667.81
15-B-6 05948KJG5 SUB 4.91792% 252,943.59 1,036.63 1,001.43
30-B-1 05948KHU6 SUB 5.71022% 7,733,048.47 36,797.83 8,050.26
30-B-2 05948KHV4 SUB 5.71022% 3,362,064.82 15,998.44 3,499.98
30-B-3 05948KHW2 SUB 5.71022% 1,681,531.38 8,001.59 1,750.51
30-B-4 05948KJB6 SUB 5.71022% 1,680,533.44 7,996.84 1,749.47
30-B-5 05948KJC4 SUB 5.71022% 1,176,573.00 5,598.74 1,224.84
30-B-6 05948KJD2 SUB 5.71022% 1,345,247.06 6,401.38 1,400.43
SES 05948KJA8 SEN 0.00000% 0.00 88,015.36 0.00
Totals 501,760,881.72 2,458,551.67 4,558,477.78
Certificateholder Distribution Summary (continued)
Current Ending Cumulative
Realized Certificate Total Realized
Class Loss Balance Distribution Losses
<s> <c> <c> <c> <c>
1-A-1 0.00 61,204,225.99 744,169.22 0.00
1-A-R 0.00 0.00 0.00 0.00
1-A-LR 0.00 0.00 0.00 0.00
2-A-1 0.00 34,958,189.05 813,498.88 0.00
2-A-2 0.00 62,957,048.62 1,321,116.94 0.00
2-A-3 0.00 26,232,104.08 887,713.30 0.00
2-A-4 0.00 5,730,099.08 0.00 0.00
3-A-1 0.00 85,495,375.65 1,042,575.60 0.00
CB-IO 0.00 0.00 69,459.79 0.00
4-A-1 0.00 27,633,065.44 164,047.92 0.00
4-A-2 0.00 2,341,000.00 10,729.58 0.00
4-A-3 0.00 2,341,000.00 10,729.58 0.00
4-IO 0.00 0.00 13,204.99 0.00
5-A-1 0.00 70,276,658.94 734,959.64 0.00
5-A-2 0.00 1,295,136.78 13,544.66 0.00
6-A-1 0.00 1,627,678.03 16,374.57 0.00
6-A-2 0.00 44,478,883.76 456,780.02 0.00
6-A-3 0.00 44,478,883.76 438,142.26 0.00
15-IO 0.00 0.00 35,861.55 0.00
PO 0.00 5,414,582.29 27,080.35 0.00
15-B-1 0.00 1,930,117.88 15,613.53 0.00
15-B-2 0.00 588,028.75 4,756.81 0.00
15-B-3 0.00 587,040.46 4,748.81 0.00
15-B-4 0.00 252,012.32 2,038.63 0.00
15-B-5 0.00 168,008.21 1,359.09 0.00
15-B-6 0.00 251,942.16 2,038.06 0.00
30-B-1 0.00 7,724,998.20 44,848.09 0.00
30-B-2 0.00 3,358,564.84 19,498.42 0.00
30-B-3 0.00 1,679,780.87 9,752.10 0.00
30-B-4 0.00 1,678,783.97 9,746.31 0.00
30-B-5 0.00 1,175,348.16 6,823.58 0.00
30-B-6 0.00 1,343,846.64 7,801.81 0.00
SES 0.00 0.00 88,015.36 0.00
Totals 0.00 497,202,403.93 7,017,029.45 0.00
<FN>
All distributions required by the Pooling and Servicing Agreement have been calculated by the
Certificate Administrator on behalf of the Trustee.
</FN>
Principal Distribution Statement
Original Beginning Scheduled Unscheduled
Face Certificate Principal Principal Realized
Class Amount Balance Distribution Distribution Accretion Loss (1)
<s> <c> <c> <c> <c> <c> <c>
1-A-1 61,876,000.00 61,665,760.51 72,925.12 388,609.40 0.00 0.00
1-A-R 50.00 0.00 0.00 0.00 0.00 0.00
1-A-LR 50.00 0.00 0.00 0.00 0.00 0.00
2-A-1 36,000,000.00 35,593,719.36 34,665.64 600,864.67 0.00 0.00
2-A-2 65,013,882.00 64,195,246.71 67,538.76 1,170,659.33 0.00 0.00
2-A-3 27,089,118.00 26,748,019.96 28,141.15 487,774.73 0.00 0.00
2-A-4 5,645,000.00 5,701,591.12 0.00 0.00 (28,507.95) 0.00
3-A-1 86,988,000.00 86,143,128.63 90,727.30 557,025.68 0.00 0.00
CB-IO 0.00 0.00 0.00 0.00 0.00 0.00
4-A-1 28,208,000.00 27,670,291.21 32,637.83 4,587.94 0.00 0.00
4-A-2 2,341,000.00 2,341,000.00 0.00 0.00 0.00 0.00
4-A-3 2,341,000.00 2,341,000.00 0.00 0.00 0.00 0.00
4-IO 0.00 0.00 0.00 0.00 0.00 0.00
5-A-1 71,463,000.00 70,746,319.91 293,059.63 176,601.33 0.00 0.00
5-A-2 1,317,000.00 1,303,792.22 5,400.83 3,254.61 0.00 0.00
6-A-1 1,655,000.00 1,636,891.20 6,242.27 2,970.90 0.00 0.00
6-A-2 45,225,500.00 44,730,648.33 170,579.95 81,184.62 0.00 0.00
6-A-3 45,225,500.00 44,730,648.33 170,579.95 81,184.62 0.00 0.00
15-IO 0.00 0.00 0.00 0.00 0.00 0.00
PO 5,471,808.00 5,441,662.64 10,244.63 16,835.71 0.00 0.00
15-B-1 1,953,000.00 1,937,789.83 7,671.95 0.00 0.00 0.00
15-B-2 595,000.00 590,366.08 2,337.33 0.00 0.00 0.00
15-B-3 594,000.00 589,373.87 2,333.40 0.00 0.00 0.00
15-B-4 255,000.00 253,014.03 1,001.71 0.00 0.00 0.00
15-B-5 170,000.00 168,676.02 667.81 0.00 0.00 0.00
15-B-6 254,929.00 252,943.59 1,001.43 0.00 0.00 0.00
30-B-1 7,749,000.00 7,733,048.47 8,050.26 0.00 0.00 0.00
30-B-2 3,369,000.00 3,362,064.82 3,499.98 0.00 0.00 0.00
30-B-3 1,685,000.00 1,681,531.38 1,750.51 0.00 0.00 0.00
30-B-4 1,684,000.00 1,680,533.44 1,749.47 0.00 0.00 0.00
30-B-5 1,179,000.00 1,176,573.00 1,224.84 0.00 0.00 0.00
30-B-6 1,348,022.00 1,345,247.06 1,400.43 0.00 0.00 0.00
SES 0.00 0.00 0.00 0.00 0.00 0.00
Totals 506,695,859.00 501,760,881.72 1,015,432.18 3,571,553.54 (28,507.95) 0.00
<FN>
(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.
</FN>
Principal Distribution Statement (continued)
Total Ending Ending Total
Principal Certificate Certificate Principal
Class Reduction Balance Percentage Distribution
<s> <c> <c> <c> <c>
1-A-1 461,534.52 61,204,225.99 0.98914322 461,534.52
1-A-R 0.00 0.00 0.00000000 0.00
1-A-LR 0.00 0.00 0.00000000 0.00
2-A-1 635,530.31 34,958,189.05 0.97106081 635,530.31
2-A-2 1,238,198.09 62,957,048.62 0.96836317 1,238,198.09
2-A-3 515,915.88 26,232,104.08 0.96836317 515,915.88
2-A-4 (28,507.95) 5,730,099.08 1.01507512 (28,507.95)
3-A-1 647,752.98 85,495,375.65 0.98284103 647,752.98
CB-IO 0.00 0.00 0.00000000 0.00
4-A-1 37,225.77 27,633,065.44 0.97961803 37,225.77
4-A-2 0.00 2,341,000.00 1.00000000 0.00
4-A-3 0.00 2,341,000.00 1.00000000 0.00
4-IO 0.00 0.00 0.00000000 0.00
5-A-1 469,660.96 70,276,658.94 0.98339923 469,660.96
5-A-2 8,655.44 1,295,136.78 0.98339923 8,655.44
6-A-1 9,213.17 1,627,678.03 0.98349126 9,213.17
6-A-2 251,764.57 44,478,883.76 0.98349126 251,764.57
6-A-3 251,764.57 44,478,883.76 0.98349126 251,764.57
15-IO 0.00 0.00 0.00000000 0.00
PO 27,080.35 5,414,582.29 0.98954172 27,080.35
15-B-1 7,671.95 1,930,117.88 0.98828360 7,671.95
15-B-2 2,337.33 588,028.75 0.98828361 2,337.33
15-B-3 2,333.40 587,040.46 0.98828360 2,333.40
15-B-4 1,001.71 252,012.32 0.98828361 1,001.71
15-B-5 667.81 168,008.21 0.98828359 667.81
15-B-6 1,001.43 251,942.16 0.98828364 1,001.43
30-B-1 8,050.26 7,724,998.20 0.99690259 8,050.26
30-B-2 3,499.98 3,358,564.84 0.99690259 3,499.98
30-B-3 1,750.51 1,679,780.87 0.99690259 1,750.51
30-B-4 1,749.47 1,678,783.97 0.99690260 1,749.47
30-B-5 1,224.84 1,175,348.16 0.99690260 1,224.84
30-B-6 1,400.43 1,343,846.64 0.99690260 1,400.43
SES 0.00 0.00 0.00000000 0.00
Totals 4,558,477.78 497,202,403.93 0.98126400 4,558,477.78
Principal Distribution Factors Statement
Original Beginning Scheduled Unscheduled
Face Certificate Principal Principal
Class (2) Amount Balance Distribution Distribution Accretion
<s> <c> <c> <c> <c> <c>
1-A-1 61,876,000.00 996.60224497 1.17856875 6.28045446 0.00000000
1-A-R 50.00 0.00000000 0.00000000 0.00000000 0.00000000
1-A-LR 50.00 0.00000000 0.00000000 0.00000000 0.00000000
2-A-1 36,000,000.00 988.71442667 0.96293444 16.69068528 0.00000000
2-A-2 65,013,882.00 987.40830012 1.03883598 18.00629795 0.00000000
2-A-3 27,089,118.00 987.40830026 1.03883596 18.00629795 0.00000000
2-A-4 5,645,000.00 1010.02499911 0.00000000 0.00000000 (5.05012400)
3-A-1 86,988,000.00 990.28749517 1.04298639 6.40347726 0.00000000
CB-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000
4-A-1 28,208,000.00 980.93772015 1.15704162 0.16264677 0.00000000
4-A-2 2,341,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
4-A-3 2,341,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
4-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000
5-A-1 71,463,000.00 989.97131257 4.10085821 2.47122749 0.00000000
5-A-2 1,317,000.00 989.97131359 4.10085801 2.47123007 0.00000000
6-A-1 1,655,000.00 989.05812689 3.77176435 1.79510574 0.00000000
6-A-2 45,225,500.00 989.05812716 3.77176482 1.79510719 0.00000000
6-A-3 45,225,500.00 989.05812716 3.77176482 1.79510719 0.00000000
15-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000
PO 5,471,808.00 994.49078623 1.87225685 3.07680935 0.00000000
15-B-1 1,953,000.00 992.21189452 3.92828981 0.00000000 0.00000000
15-B-2 595,000.00 992.21189916 3.92828571 0.00000000 0.00000000
15-B-3 594,000.00 992.21190236 3.92828283 0.00000000 0.00000000
15-B-4 255,000.00 992.21188235 3.92827451 0.00000000 0.00000000
15-B-5 170,000.00 992.21188235 3.92829412 0.00000000 0.00000000
15-B-6 254,929.00 992.21190998 3.92827022 0.00000000 0.00000000
30-B-1 7,749,000.00 997.94147245 1.03887727 0.00000000 0.00000000
30-B-2 3,369,000.00 997.94147225 1.03887801 0.00000000 0.00000000
30-B-3 1,685,000.00 997.94147181 1.03887834 0.00000000 0.00000000
30-B-4 1,684,000.00 997.94147268 1.03887767 0.00000000 0.00000000
30-B-5 1,179,000.00 997.94147583 1.03888041 0.00000000 0.00000000
30-B-6 1,348,022.00 997.94147277 1.03887770 0.00000000 0.00000000
SES 0.00 0.00000000 0.00000000 0.00000000 0.00000000
<FN>
(2) All Classes are per $1,000 denomination.
</FN>
Principal Distribution Factors Statement (continued)
Total Ending Ending Total
Realized Principal Certificate Certificate Principal
Class Loss (3) Reduction Balance Percentage Distribution
<s> <c> <c> <c> <c> <c>
1-A-1 0.00000000 7.45902321 989.14322177 0.98914322 7.45902321
1-A-R 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
1-A-LR 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
2-A-1 0.00000000 17.65361972 971.06080694 0.97106081 17.65361972
2-A-2 0.00000000 19.04513393 968.36316619 0.96836317 19.04513393
2-A-3 0.00000000 19.04513392 968.36316635 0.96836317 19.04513392
2-A-4 0.00000000 (5.05012400) 1,015.07512489 1.01507512 (5.05012400)
3-A-1 0.00000000 7.44646365 982.84103152 0.98284103 7.44646365
CB-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
4-A-1 0.00000000 1.31968839 979.61803176 0.97961803 1.31968839
4-A-2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
4-A-3 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
4-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
5-A-1 0.00000000 6.57208569 983.39922673 0.98339923 6.57208569
5-A-2 0.00000000 6.57208808 983.39922551 0.98339923 6.57208808
6-A-1 0.00000000 5.56687009 983.49125680 0.98349126 5.56687009
6-A-2 0.00000000 5.56687201 983.49125515 0.98349126 5.56687201
6-A-3 0.00000000 5.56687201 983.49125515 0.98349126 5.56687201
15-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
PO 0.00000000 4.94906802 989.54171820 0.98954172 4.94906802
15-B-1 0.00000000 3.92828981 988.28360471 0.98828360 3.92828981
15-B-2 0.00000000 3.92828571 988.28361345 0.98828361 3.92828571
15-B-3 0.00000000 3.92828283 988.28360269 0.98828360 3.92828283
15-B-4 0.00000000 3.92827451 988.28360784 0.98828361 3.92827451
15-B-5 0.00000000 3.92829412 988.28358824 0.98828359 3.92829412
15-B-6 0.00000000 3.92827022 988.28363976 0.98828364 3.92827022
30-B-1 0.00000000 1.03887727 996.90259388 0.99690259 1.03887727
30-B-2 0.00000000 1.03887801 996.90259424 0.99690259 1.03887801
30-B-3 0.00000000 1.03887834 996.90259347 0.99690259 1.03887834
30-B-4 0.00000000 1.03887767 996.90259501 0.99690260 1.03887767
30-B-5 0.00000000 1.03888041 996.90259542 0.99690260 1.03888041
30-B-6 0.00000000 1.03887770 996.90260248 0.99690260 1.03887770
SES 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
<FN>
(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.
</FN>
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
<s> <c> <c> <c> <c> <c> <c>
1-A-1 61,876,000.00 5.50000% 61,665,760.51 282,634.74 0.00 0.00
1-A-R 50.00 5.50000% 0.00 0.00 0.00 0.00
1-A-LR 50.00 5.50000% 0.00 0.00 0.00 0.00
2-A-1 36,000,000.00 6.00000% 35,593,719.36 177,968.60 0.00 0.00
2-A-2 65,013,882.00 1.55000% 64,195,246.71 82,918.86 0.00 0.00
2-A-3 27,089,118.00 16.68000% 26,748,019.96 371,797.47 0.00 0.00
2-A-4 5,645,000.00 6.00000% 5,701,591.12 28,507.96 0.00 0.00
3-A-1 86,988,000.00 5.50000% 86,143,128.63 394,822.67 0.00 0.00
CB-IO 0.00 0.42153% 197,734,867.29 69,459.80 0.00 0.00
4-A-1 28,208,000.00 5.50000% 27,670,291.21 126,822.17 0.00 0.00
4-A-2 2,341,000.00 5.50000% 2,341,000.00 10,729.58 0.00 0.00
4-A-3 2,341,000.00 5.50000% 2,341,000.00 10,729.58 0.00 0.00
4-IO 0.00 0.59275% 26,732,966.96 13,205.00 0.00 0.00
5-A-1 71,463,000.00 4.50000% 70,746,319.91 265,298.70 0.00 0.00
5-A-2 1,317,000.00 4.50000% 1,303,792.22 4,889.22 0.00 0.00
6-A-1 1,655,000.00 5.25000% 1,636,891.20 7,161.40 0.00 0.00
6-A-2 45,225,500.00 5.50000% 44,730,648.33 205,015.47 0.00 0.00
6-A-3 45,225,500.00 5.00000% 44,730,648.33 186,377.70 0.00 0.00
15-IO 0.00 0.38768% 111,003,171.30 35,861.55 0.00 0.00
PO 5,471,808.00 0.00000% 5,441,662.64 0.00 0.00 0.00
15-B-1 1,953,000.00 4.91792% 1,937,789.83 7,941.58 0.00 0.00
15-B-2 595,000.00 4.91792% 590,366.08 2,419.48 0.00 0.00
15-B-3 594,000.00 4.91792% 589,373.87 2,415.41 0.00 0.00
15-B-4 255,000.00 4.91792% 253,014.03 1,036.92 0.00 0.00
15-B-5 170,000.00 4.91792% 168,676.02 691.28 0.00 0.00
15-B-6 254,929.00 4.91792% 252,943.59 1,036.63 0.00 0.00
30-B-1 7,749,000.00 5.71022% 7,733,048.47 36,797.84 0.00 0.00
30-B-2 3,369,000.00 5.71022% 3,362,064.82 15,998.44 0.00 0.00
30-B-3 1,685,000.00 5.71022% 1,681,531.38 8,001.59 0.00 0.00
30-B-4 1,684,000.00 5.71022% 1,680,533.44 7,996.85 0.00 0.00
30-B-5 1,179,000.00 5.71022% 1,176,573.00 5,598.74 0.00 0.00
30-B-6 1,348,022.00 5.71022% 1,345,247.06 6,401.38 0.00 0.00
SES 0.00 0.00000% 501,760,882.86 0.00 0.00 0.00
Totals 506,695,859.00 2,370,536.61 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
<s> <c> <c> <c> <c> <c>
1-A-1 0.00 0.00 282,634.70 0.00 61,204,225.99
1-A-R 0.00 0.00 0.00 0.00 0.00
1-A-LR 0.00 0.00 0.00 0.00 0.00
2-A-1 0.00 0.00 177,968.57 0.00 34,958,189.05
2-A-2 0.00 0.00 82,918.85 0.00 62,957,048.62
2-A-3 0.00 0.00 371,797.42 0.00 26,232,104.08
2-A-4 0.00 0.00 28,507.95 0.00 5,730,099.08
3-A-1 0.00 0.00 394,822.62 0.00 85,495,375.65
CB-IO 0.00 0.00 69,459.79 0.00 194,749,092.71
4-A-1 0.00 0.00 126,822.15 0.00 27,633,065.44
4-A-2 0.00 0.00 10,729.58 0.00 2,341,000.00
4-A-3 0.00 0.00 10,729.58 0.00 2,341,000.00
4-IO 0.00 0.00 13,204.99 0.00 26,703,219.01
5-A-1 0.00 0.00 265,298.68 0.00 70,276,658.94
5-A-2 0.00 0.00 4,889.22 0.00 1,295,136.78
6-A-1 0.00 0.00 7,161.40 0.00 1,627,678.03
6-A-2 0.00 0.00 205,015.45 0.00 44,478,883.76
6-A-3 0.00 0.00 186,377.69 0.00 44,478,883.76
15-IO 0.00 0.00 35,861.55 0.00 110,305,933.48
PO 0.00 0.00 0.00 0.00 5,414,582.29
15-B-1 0.00 0.00 7,941.58 0.00 1,930,117.88
15-B-2 0.00 0.00 2,419.48 0.00 588,028.75
15-B-3 0.00 0.00 2,415.41 0.00 587,040.46
15-B-4 0.00 0.00 1,036.92 0.00 252,012.32
15-B-5 0.00 0.00 691.28 0.00 168,008.21
15-B-6 0.00 0.00 1,036.63 0.00 251,942.16
30-B-1 0.00 0.00 36,797.83 0.00 7,724,998.20
30-B-2 0.00 0.00 15,998.44 0.00 3,358,564.84
30-B-3 0.00 0.00 8,001.59 0.00 1,679,780.87
30-B-4 0.00 0.00 7,996.84 0.00 1,678,783.97
30-B-5 0.00 0.00 5,598.74 0.00 1,175,348.16
30-B-6 0.00 0.00 6,401.38 0.00 1,343,846.64
SES 0.00 0.00 88,015.36 0.00 497,202,405.07
Totals 0.00 0.00 2,458,551.67 0.00
<FN>
(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.
</FN>
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
<s> <c> <c> <c> <c> <c> <c>
1-A-1 61,876,000.00 5.50000% 996.60224497 4.56776036 0.00000000 0.00000000
1-A-R 50.00 5.50000% 0.00000000 0.00000000 0.00000000 0.00000000
1-A-LR 50.00 5.50000% 0.00000000 0.00000000 0.00000000 0.00000000
2-A-1 36,000,000.00 6.00000% 988.71442667 4.94357222 0.00000000 0.00000000
2-A-2 65,013,882.00 1.55000% 987.40830012 1.27540238 0.00000000 0.00000000
2-A-3 27,089,118.00 16.68000% 987.40830026 13.72497510 0.00000000 0.00000000
2-A-4 5,645,000.00 6.00000% 1010.02499911 5.05012578 0.00000000 0.00000000
3-A-1 86,988,000.00 5.50000% 990.28749517 4.53881765 0.00000000 0.00000000
CB-IO 0.00 0.42153% 988.81798416 0.34734946 0.00000000 0.00000000
4-A-1 28,208,000.00 5.50000% 980.93772015 4.49596462 0.00000000 0.00000000
4-A-2 2,341,000.00 5.50000% 1000.00000000 4.58333191 0.00000000 0.00000000
4-A-3 2,341,000.00 5.50000% 1000.00000000 4.58333191 0.00000000 0.00000000
4-IO 0.00 0.59275% 980.80506243 0.48447787 0.00000000 0.00000000
5-A-1 71,463,000.00 4.50000% 989.97131257 3.71239243 0.00000000 0.00000000
5-A-2 1,317,000.00 4.50000% 989.97131359 3.71239180 0.00000000 0.00000000
6-A-1 1,655,000.00 5.25000% 989.05812689 4.32712991 0.00000000 0.00000000
6-A-2 45,225,500.00 5.50000% 989.05812716 4.53318305 0.00000000 0.00000000
6-A-3 45,225,500.00 5.00000% 989.05812716 4.12107550 0.00000000 0.00000000
15-IO 0.00 0.38768% 990.83880237 0.32010811 0.00000000 0.00000000
PO 5,471,808.00 0.00000% 994.49078623 0.00000000 0.00000000 0.00000000
15-B-1 1,953,000.00 4.91792% 992.21189452 4.06634921 0.00000000 0.00000000
15-B-2 595,000.00 4.91792% 992.21189916 4.06635294 0.00000000 0.00000000
15-B-3 594,000.00 4.91792% 992.21190236 4.06634680 0.00000000 0.00000000
15-B-4 255,000.00 4.91792% 992.21188235 4.06635294 0.00000000 0.00000000
15-B-5 170,000.00 4.91792% 992.21188235 4.06635294 0.00000000 0.00000000
15-B-6 254,929.00 4.91792% 992.21190998 4.06634789 0.00000000 0.00000000
30-B-1 7,749,000.00 5.71022% 997.94147245 4.74872113 0.00000000 0.00000000
30-B-2 3,369,000.00 5.71022% 997.94147225 4.74872069 0.00000000 0.00000000
30-B-3 1,685,000.00 5.71022% 997.94147181 4.74871810 0.00000000 0.00000000
30-B-4 1,684,000.00 5.71022% 997.94147268 4.74872328 0.00000000 0.00000000
30-B-5 1,179,000.00 5.71022% 997.94147583 4.74871925 0.00000000 0.00000000
30-B-6 1,348,022.00 5.71022% 997.94147277 4.74872072 0.00000000 0.00000000
SES 0.00 0.00000% 990.26047442 0.00000000 0.00000000 0.00000000
<FN>
(5) All Classes are per $1,000 denomination.
</FN>
Interest Distribution Factors Statement (continued)
Remaining Ending
Non-Supported Total Unpaid Certificate/
Interest Realized Interest Interest Notional
Class Shortfall Losses (6) Distribution Shortfall Balance
<s> <c> <c> <c> <c> <c>
1-A-1 0.00000000 0.00000000 4.56775971 0.00000000 989.14322177
1-A-R 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
1-A-LR 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
2-A-1 0.00000000 0.00000000 4.94357139 0.00000000 971.06080694
2-A-2 0.00000000 0.00000000 1.27540223 0.00000000 968.36316619
2-A-3 0.00000000 0.00000000 13.72497325 0.00000000 968.36316635
2-A-4 0.00000000 0.00000000 5.05012400 0.00000000 1015.07512489
3-A-1 0.00000000 0.00000000 4.53881708 0.00000000 982.84103152
CB-IO 0.00000000 0.00000000 0.34734941 0.00000000 973.88694220
4-A-1 0.00000000 0.00000000 4.49596391 0.00000000 979.61803176
4-A-2 0.00000000 0.00000000 4.58333191 0.00000000 1000.00000000
4-A-3 0.00000000 0.00000000 4.58333191 0.00000000 1000.00000000
4-IO 0.00000000 0.00000000 0.48447750 0.00000000 979.71364074
5-A-1 0.00000000 0.00000000 3.71239215 0.00000000 983.39922673
5-A-2 0.00000000 0.00000000 3.71239180 0.00000000 983.39922551
6-A-1 0.00000000 0.00000000 4.32712991 0.00000000 983.49125680
6-A-2 0.00000000 0.00000000 4.53318261 0.00000000 983.49125515
6-A-3 0.00000000 0.00000000 4.12107528 0.00000000 983.49125515
15-IO 0.00000000 0.00000000 0.32010811 0.00000000 984.61510373
PO 0.00000000 0.00000000 0.00000000 0.00000000 989.54171820
15-B-1 0.00000000 0.00000000 4.06634921 0.00000000 988.28360471
15-B-2 0.00000000 0.00000000 4.06635294 0.00000000 988.28361345
15-B-3 0.00000000 0.00000000 4.06634680 0.00000000 988.28360269
15-B-4 0.00000000 0.00000000 4.06635294 0.00000000 988.28360784
15-B-5 0.00000000 0.00000000 4.06635294 0.00000000 988.28358824
15-B-6 0.00000000 0.00000000 4.06634789 0.00000000 988.28363976
30-B-1 0.00000000 0.00000000 4.74871983 0.00000000 996.90259388
30-B-2 0.00000000 0.00000000 4.74872069 0.00000000 996.90259424
30-B-3 0.00000000 0.00000000 4.74871810 0.00000000 996.90259347
30-B-4 0.00000000 0.00000000 4.74871734 0.00000000 996.90259501
30-B-5 0.00000000 0.00000000 4.74871925 0.00000000 996.90259542
30-B-6 0.00000000 0.00000000 4.74872072 0.00000000 996.90260248
SES 0.00000000 0.00000000 0.17370452 0.00000000 981.26399715
<FN>
(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.
</FN>
Certificateholder Component Statement
Component Beginning Ending Beginning Ending Ending
Pass-Through Notional Notional Component Component Component
Class Rate Balance Balance Balance Balance Percentage
<s> <c> <c> <c> <c> <c> <c>
1-IO 0.15573% 31,963,066.91 31,542,392.56 0.00 0.00 98.41539163%
2-IO 0.37719% 100,150,382.91 98,202,001.07 0.00 0.00 96.73613468%
3-IO 0.61868% 65,621,417.47 65,004,699.08 0.00 0.00 97.89074513%
4-IO 0.59275% 26,732,966.96 26,703,219.01 0.00 0.00 97.97136407%
5-IO 0.31078% 50,719,738.24 50,401,225.55 0.00 0.00 98.45448157%
6-IO 0.45238% 60,283,433.06 59,904,707.93 0.00 0.00 98.46742488%
1-PO 0.00000% 0.00 0.00 1,770,760.11 1,768,107.91 99.38751740%
2-PO 0.00000% 0.00 0.00 711,723.53 702,639.63 98.48146253%
3-PO 0.00000% 0.00 0.00 1,643,565.39 1,641,220.10 99.57325145%
4-PO 0.00000% 0.00 0.00 220,300.93 220,020.89 99.62864233%
5-PO 0.00000% 0.00 0.00 749,267.37 738,020.87 96.95173832%
6-PO 0.00000% 0.00 0.00 346,045.31 344,572.90 98.72866107%
1-SES 0.00000% 66,814,352.64 66,346,171.35 0.00 0.00 98.96378489%
2-SES 0.00000% 140,088,925.37 137,711,752.65 0.00 0.00 97.24453484%
3-SES 0.00000% 92,491,406.47 91,836,353.12 0.00 0.00 98.37770222%
4-SES 0.00000% 34,330,421.82 34,291,142.66 0.00 0.00 98.33380147%
5-SES 0.00000% 74,478,453.87 73,981,935.57 0.00 0.00 98.33562550%
6-SES 0.00000% 93,557,322.69 93,035,049.72 0.00 0.00 98.36230128%
CERTIFICATEHOLDER ACCOUNT STATEMENT
CERTIFICATE ACCOUNT
<s> <c>
Beginning Balance 0.00
Deposits
Payments of Interest and Principal 7,039,817.80
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 7,039,817.80
Withdrawals
Reimbursement for Servicer Advances 0.00
Payment of Service Fee 22,788.35
Payment of Interest and Principal 7,017,029.45
Total Withdrawals (Pool Distribution Amount) 7,039,817.80
Ending Balance 0.00
PREPAYMENT/CURTAILMENT INTEREST SHORTFALL
<s> <c>
Total Prepayment/Curtailment Interest Shortfall 0.00
Servicing Fee Support 0.00
Non-Supported Prepayment/Curtailment Interest Shortfall 0.00
SERVICING FEES
<s> <c>
Gross Servicing Fee 20,906.74
Trustee Fee - Wells Fargo Bank, N.A. 1,881.61
Supported Prepayment/Curtailment Interest Shortfall 0.00
Net Servicing Fee 22,788.35
LOAN STATUS STRATIFICATION/CREDIT ENHANCEMENT STATEMENT
DELINQUENCY STATUS
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s> <c> <c> <c> <c> <c>
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 3 0 0 3
338,636.58 0.00 0.00 338,636.58
30 Days 28 0 0 0 28
3,173,639.23 0.00 0.00 0.00 3,173,639.23
60 Days 2 1 0 0 3
472,000.00 283,278.93 0.00 0.00 755,278.93
90 Days 1 0 0 0 1
47,440.00 0.00 0.00 0.00 47,440.00
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 31 4 0 0 35
3,693,079.23 621,915.51 0.00 0.00 4,314,994.74
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 0.074553% 0.000000% 0.000000% 0.074553%
0.067993% 0.000000% 0.000000% 0.067993%
30 Days 0.695825% 0.000000% 0.000000% 0.000000% 0.695825%
0.637217% 0.000000% 0.000000% 0.000000% 0.637217%
60 Days 0.049702% 0.024851% 0.000000% 0.000000% 0.074553%
0.094770% 0.056878% 0.000000% 0.000000% 0.151648%
90 Days 0.024851% 0.000000% 0.000000% 0.000000% 0.024851%
0.009525% 0.000000% 0.000000% 0.000000% 0.009525%
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 0.770378% 0.099404% 0.000000% 0.000000% 0.869781%
0.741512% 0.124871% 0.000000% 0.000000% 0.866383%
Delinquency Status By Groups
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
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 3 0 0 0 3
205,876.36 0.00 0.00 0.00 205,876.36
60 Days 1 0 0 0 1
300,000.00 0.00 0.00 0.00 300,000.00
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 4 0 0 0 4
505,876.36 0.00 0.00 0.00 505,876.36
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 0.582524% 0.000000% 0.000000% 0.000000% 0.582524%
0.309993% 0.000000% 0.000000% 0.000000% 0.309993%
60 Days 0.194175% 0.000000% 0.000000% 0.000000% 0.194175%
0.451717% 0.000000% 0.000000% 0.000000% 0.451717%
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 0.776699% 0.000000% 0.000000% 0.000000% 0.776699%
0.761710% 0.000000% 0.000000% 0.000000% 0.761710%
<caption>
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
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 10 0 0 0 10
994,044.42 0.00 0.00 0.00 994,044.42
60 Days 1 0 0 0 1
172,000.00 0.00 0.00 0.00 172,000.00
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 11 0 0 0 11
1,166,044.42 0.00 0.00 0.00 1,166,044.42
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 0.873362% 0.000000% 0.000000% 0.000000% 0.873362%
0.721248% 0.000000% 0.000000% 0.000000% 0.721248%
60 Days 0.087336% 0.000000% 0.000000% 0.000000% 0.087336%
0.124798% 0.000000% 0.000000% 0.000000% 0.124798%
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 0.960699% 0.000000% 0.000000% 0.000000% 0.960699%
0.846046% 0.000000% 0.000000% 0.000000% 0.846046%
<caption>
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
Group 3 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 3 0 0 3
338,636.58 0.00 0.00 338,636.58
30 Days 4 0 0 0 4
433,912.88 0.00 0.00 0.00 433,912.88
60 Days 0 1 0 0 1
0.00 283,278.93 0.00 0.00 283,278.93
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 4 0 0 8
433,912.88 621,915.51 0.00 0.00 1,055,828.39
0-29 Days 0.468019% 0.000000% 0.000000% 0.468019%
0.368425% 0.000000% 0.000000% 0.368425%
30 Days 0.624025% 0.000000% 0.000000% 0.000000% 0.624025%
0.472083% 0.000000% 0.000000% 0.000000% 0.472083%
60 Days 0.000000% 0.156006% 0.000000% 0.000000% 0.156006%
0.000000% 0.308198% 0.000000% 0.000000% 0.308198%
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 0.624025% 0.624025% 0.000000% 0.000000% 1.248050%
0.472083% 0.676624% 0.000000% 0.000000% 1.148706%
<caption>
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
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 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 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 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
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 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 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
<caption>
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
Group 5 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 2 0 0 0 2
142,530.97 0.00 0.00 0.00 142,530.97
60 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
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 2 0 0 0 2
142,530.97 0.00 0.00 0.00 142,530.97
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 0.311042% 0.000000% 0.000000% 0.000000% 0.311042%
0.191984% 0.000000% 0.000000% 0.000000% 0.191984%
60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
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 0.311042% 0.000000% 0.000000% 0.000000% 0.311042%
0.191984% 0.000000% 0.000000% 0.000000% 0.191984%
<caption>
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
Group 6 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 9 0 0 0 9
1,397,274.60 0.00 0.00 0.00 1,397,274.60
60 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
90 Days 1 0 0 0 1
47,440.00 0.00 0.00 0.00 47,440.00
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 10 0 0 0 10
1,444,714.60 0.00 0.00 0.00 1,444,714.60
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 0.891972% 0.000000% 0.000000% 0.000000% 0.891972%
1.497021% 0.000000% 0.000000% 0.000000% 1.497021%
60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
90 Days 0.099108% 0.000000% 0.000000% 0.000000% 0.099108%
0.050827% 0.000000% 0.000000% 0.000000% 0.050827%
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 0.991080% 0.000000% 0.000000% 0.000000% 0.991080%
1.547847% 0.000000% 0.000000% 0.000000% 1.547847%
OTHER INFORMATION
<s> <c>
Current Period Class A Insufficient Funds 0.00
Principal Balance of Contaminated Properties 0.00
Periodic Advance 27,283.73
COLLATERAL STATEMENT
Collateral Description Mixed Fixed
Weighted Average Gross Coupon 5.923821%
Weighted Average Pass-Through Rate 5.669321%
Weighted Average Maturity(Stepdown Calculation ) 290
Beginning Scheduled Collateral Loan Count 4,049
Number Of Loans Paid In Full 25
Ending Scheduled Collateral Loan Count 4,024
Beginning Scheduled Collateral Balance 501,760,882.86
Ending Scheduled Collateral Balance 497,202,405.07
Ending Actual Collateral Balance at 31-Jan-2004 498,047,139.21
Monthly P &I Constant 3,490,828.59
Special Servicing Fee 0.00
Prepayment Penalties 0.00
Realized Loss Amount 0.00
Cumulative Realized Loss 0.00
Class A Non-PO Optimal Amount 6,745,828.43
Class AP Deferred Amount 0.00
Ending Scheduled Balance for Premium Loans 497,202,405.07
Scheduled Principal 1,013,877.20
Unscheduled Principal 3,544,600.59
Group Level Collateral Statement
Group Group 1 Group 2 Group 3
Collateral Description Mixed Fixed Mixed Fixed Mixed Fixed
Weighted Average Coupon Rate 5.683230 6.493672 6.095708
Weighted Average Net Rate 5.433230 6.243672 5.845708
Weighted Average Maturity 345 351 350
Beginning Loan Count 517 1,160 644
Loans Paid In Full 2 15 3
Ending Loan Count 515 1,145 641
Beginning Scheduled Balance 66,814,352.64 140,088,925.37 92,491,406.47
Ending scheduled Balance 66,346,171.35 137,711,752.65 91,836,353.12
Record Date 01/31/2004 01/31/2004 01/31/2004
Principal And Interest Constant 395,735.49 894,583.36 567,743.42
Scheduled Principal 79,301.06 136,507.04 97,909.58
Unscheduled Principal 388,880.23 2,240,665.68 557,143.77
Scheduled Interest 316,434.43 758,076.32 469,833.84
Servicing Fees 13,919.67 29,185.20 19,269.04
Master Servicing Fees 0.00 0.00 0.00
Trustee Fee 250.57 525.31 346.83
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 302,264.19 728,365.81 450,217.97
Realized Loss Amount 0.00 0.00 0.00
Cumulative Realized Loss 0.00 0.00 0.00
Percentage of Cumulative Losses 0.0000 0.0000 0.0000
Prepayment Penalties 0.00 0.00 0.00
Special Servicing Fee 0.00 0.00 0.00
Pass-Through Rate 5.428730 6.239172 5.841208
Group Level Collateral Statement
Group Group 4 Group 5 Group 6
Collateral Description Mixed Fixed Mixed Fixed Mixed Fixed
Weighted Average Coupon Rate 6.180779 4.920871 5.776571
Weighted Average Net Rate 5.930779 4.670871 5.526571
Weighted Average Maturity 353 170 172
Beginning Loan Count 71 645 1,012
Loans Paid In Full 0 2 3
Ending Loan Count 71 643 1,009
Beginning Scheduled Balance 34,330,421.82 74,478,453.87 93,557,322.69
Ending scheduled Balance 34,291,142.66 73,981,935.57 93,035,049.72
Record Date 01/31/2004 01/31/2004 01/31/2004
Principal And Interest Constant 211,482.24 614,126.66 807,157.42
Scheduled Principal 34,658.28 308,710.92 356,790.32
Unscheduled Principal 4,620.88 187,807.38 165,482.65
Scheduled Interest 176,823.96 305,415.74 450,367.10
Servicing Fees 7,152.18 15,516.35 19,491.13
Master Servicing Fees 0.00 0.00 0.00
Trustee Fee 128.74 279.31 350.85
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 169,543.04 289,620.08 430,525.12
Realized Loss Amount 0.00 0.00 0.00
Cumulative Realized Loss 0.00 0.00 0.00
Percentage of Cumulative Losses 0.0000 0.0000 0.0000
Prepayment Penalties 0.00 0.00 0.00
Special Servicing Fee 0.00 0.00 0.00
Pass-Through Rate 5.926279 4.666371 5.522071
Group Level Collateral Statement
Group Total
Collateral Description Mixed Fixed
Weighted Average Coupon Rate 5.923821
Weighted Average Net Rate 5.673821
Weighted Average Maturity 290.00
Record Date 01/31/2004
Principal And Interest Constant 3,490,828.59
Beginning Loan Count 4,049
Loans Paid In Full 25
Ending Loan Count 4,024
Beginning Scheduled Balance 501,760,882.86
Ending Scheduled Balance 497,202,405.07
Scheduled Principal 1,013,877.20
Unscheduled Principal 3,544,600.59
Scheduled Interest 2,476,951.39
Servicing Fee 104,533.57
Master Servicing Fee 0.00
Trustee Fee 1,881.61
Fry Amount 0.00
Special Hazard Fee 0.00
Other Fee 0.00
Pool Insurance Fee 0.00
Spread 1 0.00
Spread 2 0.00
Spread 3 0.00
Net Interest 2,370,536.21
Realized Loss Amount 0.00
Cumulative Realized Loss 0.00
Percentage of Cumulative Losses 0.0000
Prepayment Penalties 0.00
Special Servicing Fee 0.00
Pass-Through Rate 5.669321
Miscellaneous Reporting
Group Group 1
CPR 6.772855%
Subordinate % 5.193181%
Subordinate Prepayment % 0.000000%
Senior Prepayment % 100.000000%
Senior % 94.806819%
Group Group 2
CPR 17.607595%
Subordinate % 5.121802%
Subordinate Prepayment % 0.000000%
Senior Prepayment % 100.000000%
Senior % 94.878198%
Group Group 3
CPR 7.000910%
Subordinate % 5.178672%
Subordinate Prepayment % 0.000000%
Senior Prepayment % 100.000000%
Senior % 94.821328%
Miscellaneous Reporting
Group Group 4
CPR 0.161564%
Subordinate % 5.153396%
Subordinate Prepayment % 0.000000%
Senior Prepayment % 100.000000%
Senior % 94.846604%
Group Group 5
CPR 2.996593%
Subordinate % 2.277353%
Subordinate Prepayment % 0.000000%
Senior Prepayment % 100.000000%
Senior % 97.722647%
Group Group 6
CPR 2.109981%
Subordinate % 2.266989%
Subordinate Prepayment % 0.000000%
Senior Prepayment % 100.000000%
Senior % 97.733011%
Group