UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington D. C. 20549
Form 8-K/A
Current Report
Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): November 25, 2003
BANC OF AMERICA ALTERNATIVE LOAN TRUST
Mortgage Pass-Through Certificates, Series 2003-6 Trust
(Exact name of registrant as specified in its charter)
New York (governing law of 333-105940-05 54-2121750
Pooling and Servicing Agreement) (Commission IRS EIN
(State or other File Number)
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)
Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any
of the following provisions (see General Instruction A.2. below):
[ ] Written communications pursuant to Rule 425 under the Securities Act
(17 CFR 230.425)
[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act
(17 CFR 240.14a-12)
[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the
Exchange Act(17 CFR 240.14d-2(b))
[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the
Exchange Act(17 CFR 240.13e-4(c))
ITEM 8.01 Other Events
Subsequent to filing the 8-K relating to the payment date on November 25, 2003,
a revision was made to the BANC OF AMERICA ALTERNATIVE LOAN TRUST, Mortgage
Pass-Through Certificates, Series 2003-6 which was not included in the original
8-K filed. The 8-K is being amended because delinquency information was revised.
This revision was not previously disclosed in a 1934 Act filing. The revised
data has been and will continue to be available on the Wells Fargo Bank, N.A.
as Trustee, website at www.ctslink.com.
ITEM 9.01 Financial Statements and Exhibits
(c) Exhibits
Exhibit Number Description
EX-99.1 Amended monthly report distributed to
holders of Mortgage Pass-Through
Certificates, Series 2003-6 Trust,
relating to the November 25, 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.
BANC OF AMERICA ALTERNATIVE LOAN TRUST
Mortgage Pass-Through Certificates, Series 2003-6 Trust
(Registrant)
By: Wells Fargo Bank, N.A. as Trustee
By: /s/ Beth Belfield as Assistant Vice President
By: Beth Belfield as Assistant Vice President
Date: 8/10/04
INDEX TO EXHIBITS
Exhibit Number Description
EX-99.1 Amended monthly report distributed to holders of
Mortgage Pass-Through Certificates, Series 2003-6
Trust, relating to the November 25, 2003 distribution.
EX-99.1
Banc of America Alternative Loan Trust
Mortgage Pass-Through Certificates
Record Date: 10/31/03
Distribution Date: 11/25/03
BAA Series: 2003-6
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>
CB-1 05948KDH9 SEN 5.50000% 316,750,690.04 1,451,773.90 2,432,310.27
CB-WIO 05948KDK2 SEN 0.39358% 0.00 86,312.48 0.00
CB-R 05948KDJ5 SEN 5.50000% 0.00 0.00 0.00
NC-1 05948KDL0 SEN 5.00000% 40,849,011.22 170,204.20 1,729,881.96
NC-2 05948KDM8 SEN 8.00000% 8,169,802.24 54,465.34 345,976.39
NC-3 05948KDN6 SEN 5.50000% 2,000,000.00 9,166.67 0.00
NC-4 05948KDP1 SEN 5.50000% 2,000,000.00 9,166.67 0.00
NC-5 05948KDQ9 SEN 5.50000% 2,000,000.00 9,166.67 0.00
NC-WIO 05948KDR7 SEN 0.35516% 0.00 15,651.73 0.00
2-A-1 05948KDZ9 SEN 4.75000% 97,477,216.92 385,847.32 667,150.42
2-A-WIO 05948KEA3 SEN 0.55954% 0.00 39,293.30 0.00
A-PO 05948KDS5 STP 0.00000% 2,184,697.96 0.00 5,849.73
1-B-1 05948KDT3 SUB 5.50000% 8,583,742.88 39,342.15 8,869.40
1-B-2 05948KDU0 SUB 5.50000% 3,992,786.32 18,300.27 4,125.66
1-B-3 05948KDV8 SUB 5.50000% 1,994,897.74 9,143.28 2,061.28
1-B-4 05948KEB1 SUB 5.50000% 1,996,891.64 9,152.42 2,063.35
1-B-5 05948KEC9 SUB 5.50000% 1,396,727.50 6,401.67 1,443.21
1-B-6 05948KED7 SUB 5.50000% 1,598,296.91 7,325.53 1,651.49
2-B-1 05948KDW6 SUB 4.75000% 1,124,003.97 4,449.18 4,379.98
2-B-2 05948KDX4 SUB 4.75000% 357,862.30 1,416.54 1,394.50
2-B-3 05948KDY2 SUB 4.75000% 357,862.30 1,416.54 1,394.50
2-B-4 05948KEE5 SUB 4.75000% 203,645.40 806.10 793.56
2-B-5 05948KEF2 SUB 4.75000% 102,811.27 406.96 400.63
2-B-6 05948KEG0 SUB 4.75000% 153,483.38 607.54 598.09
SES 05948KEH8 SEN 0.00000% 0.00 85,562.25 0.00
Totals 493,294,429.99 2,415,378.71 5,210,344.42
Certificateholder Distribution Summary (continued)
Current Ending Cumulative
Realized Certificate Total Realized
Class Loss Balance Distribution Losses
<s> <c> <c> <c> <c>
CB-1 0.00 314,318,379.77 3,884,084.17 0.00
CB-WIO 0.00 0.00 86,312.48 0.00
CB-R 0.00 0.00 0.00 0.00
NC-1 0.00 39,119,129.27 1,900,086.16 0.00
NC-2 0.00 7,823,825.85 400,441.73 0.00
NC-3 0.00 2,000,000.00 9,166.67 0.00
NC-4 0.00 2,000,000.00 9,166.67 0.00
NC-5 0.00 2,000,000.00 9,166.67 0.00
NC-WIO 0.00 0.00 15,651.73 0.00
2-A-1 0.00 96,810,066.50 1,052,997.74 0.00
2-A-WIO 0.00 0.00 39,293.30 0.00
A-PO 0.00 2,178,848.23 5,849.73 0.00
1-B-1 0.00 8,574,873.49 48,211.55 0.00
1-B-2 0.00 3,988,660.66 22,425.93 0.00
1-B-3 0.00 1,992,836.45 11,204.56 0.00
1-B-4 0.00 1,994,828.29 11,215.77 0.00
1-B-5 0.00 1,395,284.29 7,844.88 0.00
1-B-6 0.00 1,596,645.43 8,977.02 0.00
2-B-1 0.00 1,119,623.99 8,829.16 0.00
2-B-2 0.00 356,467.80 2,811.04 0.00
2-B-3 0.00 356,467.80 2,811.04 0.00
2-B-4 0.00 202,851.84 1,599.66 0.00
2-B-5 0.00 102,410.64 807.59 0.00
2-B-6 0.00 152,885.30 1,205.63 0.00
SES 0.00 0.00 85,562.25 0.00
Totals 0.00 488,084,085.60 7,625,723.13 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>
CB-1 323,459,000.00 316,750,690.04 327,957.83 2,104,352.43 0.00 0.00
CB-WIO 0.00 0.00 0.00 0.00 0.00 0.00
CB-R 100.00 0.00 0.00 0.00 0.00 0.00
NC-1 41,307,500.00 40,849,011.22 46,811.22 1,683,070.74 0.00 0.00
NC-2 8,261,500.00 8,169,802.24 9,362.24 336,614.15 0.00 0.00
NC-3 2,000,000.00 2,000,000.00 0.00 0.00 0.00 0.00
NC-4 2,000,000.00 2,000,000.00 0.00 0.00 0.00 0.00
NC-5 2,000,000.00 2,000,000.00 0.00 0.00 0.00 0.00
NC-WIO 0.00 0.00 0.00 0.00 0.00 0.00
2-A-1 100,612,000.00 97,477,216.92 379,845.49 287,304.93 0.00 0.00
2-A-WIO 0.00 0.00 0.00 0.00 0.00 0.00
A-PO 2,211,773.59 2,184,697.96 3,932.18 1,917.56 0.00 0.00
1-B-1 8,610,000.00 8,583,742.88 8,869.40 0.00 0.00 0.00
1-B-2 4,005,000.00 3,992,786.32 4,125.66 0.00 0.00 0.00
1-B-3 2,001,000.00 1,994,897.74 2,061.28 0.00 0.00 0.00
1-B-4 2,003,000.00 1,996,891.64 2,063.35 0.00 0.00 0.00
1-B-5 1,401,000.00 1,396,727.50 1,443.21 0.00 0.00 0.00
1-B-6 1,603,186.00 1,598,296.91 1,651.49 0.00 0.00 0.00
2-B-1 1,137,000.00 1,124,003.97 4,379.98 0.00 0.00 0.00
2-B-2 362,000.00 357,862.30 1,394.50 0.00 0.00 0.00
2-B-3 362,000.00 357,862.30 1,394.50 0.00 0.00 0.00
2-B-4 206,000.00 203,645.40 793.56 0.00 0.00 0.00
2-B-5 104,000.00 102,811.27 400.63 0.00 0.00 0.00
2-B-6 155,258.00 153,483.38 598.09 0.00 0.00 0.00
SES 0.00 0.00 0.00 0.00 0.00 0.00
Totals 503,801,317.59 493,294,429.99 797,084.61 4,413,259.81 0.00 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>
CB-1 2,432,310.27 314,318,379.77 0.97174102 2,432,310.27
CB-WIO 0.00 0.00 0.00000000 0.00
CB-R 0.00 0.00 0.00000000 0.00
NC-1 1,729,881.96 39,119,129.27 0.94702244 1,729,881.96
NC-2 345,976.39 7,823,825.85 0.94702244 345,976.39
NC-3 0.00 2,000,000.00 1.00000000 0.00
NC-4 0.00 2,000,000.00 1.00000000 0.00
NC-5 0.00 2,000,000.00 1.00000000 0.00
NC-WIO 0.00 0.00 0.00000000 0.00
2-A-1 667,150.42 96,810,066.50 0.96221193 667,150.42
2-A-WIO 0.00 0.00 0.00000000 0.00
A-PO 5,849.73 2,178,848.23 0.98511359 5,849.73
1-B-1 8,869.40 8,574,873.49 0.99592027 8,869.40
1-B-2 4,125.66 3,988,660.66 0.99592026 4,125.66
1-B-3 2,061.28 1,992,836.45 0.99592026 2,061.28
1-B-4 2,063.35 1,994,828.29 0.99592026 2,063.35
1-B-5 1,443.21 1,395,284.29 0.99592026 1,443.21
1-B-6 1,651.49 1,596,645.43 0.99592027 1,651.49
2-B-1 4,379.98 1,119,623.99 0.98471767 4,379.98
2-B-2 1,394.50 356,467.80 0.98471768 1,394.50
2-B-3 1,394.50 356,467.80 0.98471768 1,394.50
2-B-4 793.56 202,851.84 0.98471767 793.56
2-B-5 400.63 102,410.64 0.98471769 400.63
2-B-6 598.09 152,885.30 0.98471770 598.09
SES 0.00 0.00 0.00000000 0.00
Totals 5,210,344.42 488,084,085.60 0.96880272 5,210,344.42
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>
CB-1 323,459,000.00 979.26071014 1.01390850 6.50577795 0.00000000
CB-WIO 0.00 0.00000000 0.00000000 0.00000000 0.00000000
CB-R 100.00 0.00000000 0.00000000 0.00000000 0.00000000
NC-1 41,307,500.00 988.90059239 1.13323779 40.74491896 0.00000000
NC-2 8,261,500.00 988.90059190 1.13323731 40.74491920 0.00000000
NC-3 2,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
NC-4 2,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
NC-5 2,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
NC-WIO 0.00 0.00000000 0.00000000 0.00000000 0.00000000
2-A-1 100,612,000.00 968.84285095 3.77534976 2.85557319 0.00000000
2-A-WIO 0.00 0.00000000 0.00000000 0.00000000 0.00000000
A-PO 2,211,773.59 987.75840795 1.77784020 0.86697843 0.00000000
1-B-1 8,610,000.00 996.95039257 1.03012776 0.00000000 0.00000000
1-B-2 4,005,000.00 996.95039201 1.03012734 0.00000000 0.00000000
1-B-3 2,001,000.00 996.95039480 1.03012494 0.00000000 0.00000000
1-B-4 2,003,000.00 996.95039441 1.03012981 0.00000000 0.00000000
1-B-5 1,401,000.00 996.95039258 1.03012848 0.00000000 0.00000000
1-B-6 1,603,186.00 996.95039128 1.03013000 0.00000000 0.00000000
2-B-1 1,137,000.00 988.56989446 3.85222515 0.00000000 0.00000000
2-B-2 362,000.00 988.56988950 3.85220994 0.00000000 0.00000000
2-B-3 362,000.00 988.56988950 3.85220994 0.00000000 0.00000000
2-B-4 206,000.00 988.56990291 3.85223301 0.00000000 0.00000000
2-B-5 104,000.00 988.56990385 3.85221154 0.00000000 0.00000000
2-B-6 155,258.00 988.56986435 3.85223306 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>
CB-1 0.00000000 7.51968648 971.74102365 0.97174102 7.51968648
CB-WIO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
CB-R 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
NC-1 0.00000000 41.87815675 947.02243588 0.94702244 41.87815675
NC-2 0.00000000 41.87815651 947.02243539 0.94702244 41.87815651
NC-3 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
NC-4 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
NC-5 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
NC-WIO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
2-A-1 0.00000000 6.63092295 962.21192800 0.96221193 6.63092295
2-A-WIO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
A-PO 0.00000000 2.64481411 985.11359384 0.98511359 2.64481411
1-B-1 0.00000000 1.03012776 995.92026597 0.99592027 1.03012776
1-B-2 0.00000000 1.03012734 995.92026467 0.99592026 1.03012734
1-B-3 0.00000000 1.03012494 995.92026487 0.99592026 1.03012494
1-B-4 0.00000000 1.03012981 995.92026460 0.99592026 1.03012981
1-B-5 0.00000000 1.03012848 995.92026410 0.99592026 1.03012848
1-B-6 0.00000000 1.03013000 995.92026752 0.99592027 1.03013000
2-B-1 0.00000000 3.85222515 984.71766931 0.98471767 3.85222515
2-B-2 0.00000000 3.85220994 984.71767956 0.98471768 3.85220994
2-B-3 0.00000000 3.85220994 984.71767956 0.98471768 3.85220994
2-B-4 0.00000000 3.85223301 984.71766990 0.98471767 3.85223301
2-B-5 0.00000000 3.85221154 984.71769231 0.98471769 3.85221154
2-B-6 0.00000000 3.85223306 984.71769571 0.98471770 3.85223306
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>
CB-1 323,459,000.00 5.50000% 316,750,690.04 1,451,774.00 0.00 0.00
CB-WIO 0.00 0.39358% 263,159,397.68 86,312.48 0.00 0.00
CB-R 100.00 5.50000% 0.00 0.00 0.00 0.00
NC-1 41,307,500.00 5.00000% 40,849,011.22 170,204.21 0.00 0.00
NC-2 8,261,500.00 8.00000% 8,169,802.24 54,465.35 0.00 0.00
NC-3 2,000,000.00 5.50000% 2,000,000.00 9,166.67 0.00 0.00
NC-4 2,000,000.00 5.50000% 2,000,000.00 9,166.67 0.00 0.00
NC-5 2,000,000.00 5.50000% 2,000,000.00 9,166.67 0.00 0.00
NC-WIO 0.00 0.35516% 52,884,220.93 15,651.73 0.00 0.00
2-A-1 100,612,000.00 4.75000% 97,477,216.92 385,847.32 0.00 0.00
2-A-WIO 0.00 0.55954% 84,269,056.25 39,293.30 0.00 0.00
A-PO 2,211,773.59 0.00000% 2,184,697.96 0.00 0.00 0.00
1-B-1 8,610,000.00 5.50000% 8,583,742.88 39,342.15 0.00 0.00
1-B-2 4,005,000.00 5.50000% 3,992,786.32 18,300.27 0.00 0.00
1-B-3 2,001,000.00 5.50000% 1,994,897.74 9,143.28 0.00 0.00
1-B-4 2,003,000.00 5.50000% 1,996,891.64 9,152.42 0.00 0.00
1-B-5 1,401,000.00 5.50000% 1,396,727.50 6,401.67 0.00 0.00
1-B-6 1,603,186.00 5.50000% 1,598,296.91 7,325.53 0.00 0.00
2-B-1 1,137,000.00 4.75000% 1,124,003.97 4,449.18 0.00 0.00
2-B-2 362,000.00 4.75000% 357,862.30 1,416.54 0.00 0.00
2-B-3 362,000.00 4.75000% 357,862.30 1,416.54 0.00 0.00
2-B-4 206,000.00 4.75000% 203,645.40 806.10 0.00 0.00
2-B-5 104,000.00 4.75000% 102,811.27 406.96 0.00 0.00
2-B-6 155,258.00 4.75000% 153,483.38 607.54 0.00 0.00
SES 0.00 0.00000% 493,294,430.59 0.00 0.00 0.00
Totals 503,801,317.59 2,329,816.58 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>
CB-1 0.10 0.00 1,451,773.90 0.00 314,318,379.77
CB-WIO 0.00 0.00 86,312.48 0.00 260,794,998.99
CB-R 0.00 0.00 0.00 0.00 0.00
NC-1 0.01 0.00 170,204.20 0.00 39,119,129.27
NC-2 0.00 0.00 54,465.34 0.00 7,823,825.85
NC-3 0.00 0.00 9,166.67 0.00 2,000,000.00
NC-4 0.00 0.00 9,166.67 0.00 2,000,000.00
NC-5 0.00 0.00 9,166.67 0.00 2,000,000.00
NC-WIO 0.00 0.00 15,651.73 0.00 50,811,137.03
2-A-1 0.00 0.00 385,847.32 0.00 96,810,066.50
2-A-WIO 0.00 0.00 39,293.30 0.00 83,690,948.24
A-PO 0.00 0.00 0.00 0.00 2,178,848.23
1-B-1 0.00 0.00 39,342.15 0.00 8,574,873.49
1-B-2 0.00 0.00 18,300.27 0.00 3,988,660.66
1-B-3 0.00 0.00 9,143.28 0.00 1,992,836.45
1-B-4 0.00 0.00 9,152.42 0.00 1,994,828.29
1-B-5 0.00 0.00 6,401.67 0.00 1,395,284.29
1-B-6 0.00 0.00 7,325.53 0.00 1,596,645.43
2-B-1 0.00 0.00 4,449.18 0.00 1,119,623.99
2-B-2 0.00 0.00 1,416.54 0.00 356,467.80
2-B-3 0.00 0.00 1,416.54 0.00 356,467.80
2-B-4 0.00 0.00 806.10 0.00 202,851.84
2-B-5 0.00 0.00 406.96 0.00 102,410.64
2-B-6 0.00 0.00 607.54 0.00 152,885.30
SES 0.00 0.00 85,562.25 0.00 488,084,086.18
Totals 0.11 0.00 2,415,378.71 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>
CB-1 323,459,000.00 5.50000% 979.26071014 4.48827827 0.00000000 0.00000000
CB-WIO 0.00 0.39358% 978.77349737 0.32102356 0.00000000 0.00000000
CB-R 100.00 5.50000% 0.00000000 0.00000000 0.00000000 0.00000000
NC-1 41,307,500.00 5.00000% 988.90059239 4.12041905 0.00000000 0.00000000
NC-2 8,261,500.00 8.00000% 988.90059190 6.59267082 0.00000000 0.00000000
NC-3 2,000,000.00 5.50000% 1000.00000000 4.58333500 0.00000000 0.00000000
NC-4 2,000,000.00 5.50000% 1000.00000000 4.58333500 0.00000000 0.00000000
NC-5 2,000,000.00 5.50000% 1000.00000000 4.58333500 0.00000000 0.00000000
NC-WIO 0.00 0.35516% 989.85642724 0.29296008 0.00000000 0.00000000
2-A-1 100,612,000.00 4.75000% 968.84285095 3.83500298 0.00000000 0.00000000
2-A-WIO 0.00 0.55954% 966.06471670 0.45046038 0.00000000 0.00000000
A-PO 2,211,773.59 0.00000% 987.75840795 0.00000000 0.00000000 0.00000000
1-B-1 8,610,000.00 5.50000% 996.95039257 4.56935540 0.00000000 0.00000000
1-B-2 4,005,000.00 5.50000% 996.95039201 4.56935581 0.00000000 0.00000000
1-B-3 2,001,000.00 5.50000% 996.95039480 4.56935532 0.00000000 0.00000000
1-B-4 2,003,000.00 5.50000% 996.95039441 4.56935597 0.00000000 0.00000000
1-B-5 1,401,000.00 5.50000% 996.95039258 4.56935760 0.00000000 0.00000000
1-B-6 1,603,186.00 5.50000% 996.95039128 4.56935752 0.00000000 0.00000000
2-B-1 1,137,000.00 4.75000% 988.56989446 3.91308707 0.00000000 0.00000000
2-B-2 362,000.00 4.75000% 988.56988950 3.91309392 0.00000000 0.00000000
2-B-3 362,000.00 4.75000% 988.56988950 3.91309392 0.00000000 0.00000000
2-B-4 206,000.00 4.75000% 988.56990291 3.91310680 0.00000000 0.00000000
2-B-5 104,000.00 4.75000% 988.56990385 3.91307692 0.00000000 0.00000000
2-B-6 155,258.00 4.75000% 988.56986435 3.91309949 0.00000000 0.00000000
SES 0.00 0.00000% 979.14477950 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>
CB-1 0.00000031 0.00000000 4.48827796 0.00000000 971.74102365
CB-WIO 0.00000000 0.00000000 0.32102356 0.00000000 969.97954665
CB-R 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
NC-1 0.00000024 0.00000000 4.12041881 0.00000000 947.02243588
NC-2 0.00000000 0.00000000 6.59266961 0.00000000 947.02243539
NC-3 0.00000000 0.00000000 4.58333500 0.00000000 1000.00000000
NC-4 0.00000000 0.00000000 4.58333500 0.00000000 1000.00000000
NC-5 0.00000000 0.00000000 4.58333500 0.00000000 1000.00000000
NC-WIO 0.00000000 0.00000000 0.29296008 0.00000000 951.05363529
2-A-1 0.00000000 0.00000000 3.83500298 0.00000000 962.21192800
2-A-WIO 0.00000000 0.00000000 0.45046038 0.00000000 959.43725727
A-PO 0.00000000 0.00000000 0.00000000 0.00000000 985.11359384
1-B-1 0.00000000 0.00000000 4.56935540 0.00000000 995.92026597
1-B-2 0.00000000 0.00000000 4.56935581 0.00000000 995.92026467
1-B-3 0.00000000 0.00000000 4.56935532 0.00000000 995.92026487
1-B-4 0.00000000 0.00000000 4.56935597 0.00000000 995.92026460
1-B-5 0.00000000 0.00000000 4.56935760 0.00000000 995.92026410
1-B-6 0.00000000 0.00000000 4.56935752 0.00000000 995.92026752
2-B-1 0.00000000 0.00000000 3.91308707 0.00000000 984.71766931
2-B-2 0.00000000 0.00000000 3.91309392 0.00000000 984.71767956
2-B-3 0.00000000 0.00000000 3.91309392 0.00000000 984.71767956
2-B-4 0.00000000 0.00000000 3.91310680 0.00000000 984.71766990
2-B-5 0.00000000 0.00000000 3.91307692 0.00000000 984.71769231
2-B-6 0.00000000 0.00000000 3.91309949 0.00000000 984.71769571
SES 0.00000000 0.00000000 0.16983332 0.00000000 968.80271761
<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>
CB-PO 0.00000% 0.00 0.00 1,711,766.41 1,709,561.37 98.64089838%
NC-PO 0.00000% 0.00 0.00 57,953.76 57,880.60 99.50038877%
2-A-PO 0.00000% 0.00 0.00 414,977.79 411,406.27 97.84061631%
CB-SES 0.00000% 335,167,525.74 332,715,714.31 0.00 0.00 97.29995845%
NC-SES 0.00000% 57,935,041.21 55,856,191.44 0.00 0.00 95.49028547%
2-SES 0.00000% 100,191,863.64 99,512,180.43 0.00 0.00 96.27843385%
CERTIFICATEHOLDER ACCOUNT STATEMENT
CERTIFICATE ACCOUNT
<s> <c>
Beginning Balance 0.00
Deposits
Payments of Interest and Principal 7,627,225.32
Liquidations, Insurance Proceeds, Reserve Funds 0.00
Proceeds from Repurchased Loans 0.00
Other Amounts (Servicer Advances) 20,901.63
Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00
Prepayment Penalties 0.00
Total Deposits 7,648,126.95
Withdrawals
Reimbursement for Servicer Advances 0.00
Payment of Service Fee 22,403.82
Payment of Interest and Principal 7,625,723.13
Total Withdrawals (Pool Distribution Amount) 7,648,126.95
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 20,553.97
Trustee Fee 1,849.85
Supported Prepayment/Curtailment Interest Shortfall 0.00
Net Servicing Fee 22,403.82
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 1 0 0 1
358,315.00 0.00 0.00 358,315.00
30 Days 14 0 0 0 14
2,779,646.03 0.00 0.00 0.00 2,779,646.03
60 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
90 Days 2 0 1 0 3
260,404.39 0.00 223,766.12 0.00 484,170.51
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 16 1 1 0 18
3,040,050.42 358,315.00 223,766.12 0.00 3,622,131.54
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 0.028719% 0.000000% 0.000000% 0.028719%
0.073315% 0.000000% 0.000000% 0.073315%
30 Days 0.402068% 0.000000% 0.000000% 0.000000% 0.402068%
0.568744% 0.000000% 0.000000% 0.000000% 0.568744%
60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
90 Days 0.057438% 0.000000% 0.028719% 0.000000% 0.086157%
0.053281% 0.000000% 0.045785% 0.000000% 0.099066%
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 0.459506% 0.028719% 0.028719% 0.000000% 0.516944%
0.622025% 0.073315% 0.045785% 0.000000% 0.741125%
Delinquency Status By Groups
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
1CB -30 Year Fixed 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
1,258,224.74 0.00 0.00 0.00 1,258,224.74
60 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
90 Days 1 0 1 0 2
164,800.00 0.00 223,766.12 0.00 388,566.12
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 1 0 11
1,423,024.74 0.00 223,766.12 0.00 1,646,790.86
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 0.374376% 0.000000% 0.000000% 0.000000% 0.374376%
0.377847% 0.000000% 0.000000% 0.000000% 0.377847%
60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
90 Days 0.041597% 0.000000% 0.041597% 0.000000% 0.083195%
0.049490% 0.000000% 0.067197% 0.000000% 0.116687%
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 0.415973% 0.000000% 0.041597% 0.000000% 0.457571%
0.427337% 0.000000% 0.067197% 0.000000% 0.494535%
<caption>
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
1NC -30 Year Fixed 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 1 0 0 1
358,315.00 0.00 0.00 358,315.00
30 Days 2 0 0 0 2
874,519.61 0.00 0.00 0.00 874,519.61
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 1 0 0 3
874,519.61 358,315.00 0.00 0.00 1,232,834.61
0-29 Days 0.826446% 0.000000% 0.000000% 0.826446%
0.640896% 0.000000% 0.000000% 0.640896%
30 Days 1.652893% 0.000000% 0.000000% 0.000000% 1.652893%
1.564199% 0.000000% 0.000000% 0.000000% 1.564199%
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 1.652893% 0.826446% 0.000000% 0.000000% 2.479339%
1.564199% 0.640896% 0.000000% 0.000000% 2.205094%
<caption>
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
2 - 15 Year Fixed 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
646,901.68 0.00 0.00 0.00 646,901.68
60 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
90 Days 1 0 0 0 1
95,604.39 0.00 0.00 0.00 95,604.39
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
742,506.07 0.00 0.00 0.00 742,506.07
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 0.313480% 0.000000% 0.000000% 0.000000% 0.313480%
0.648018% 0.000000% 0.000000% 0.000000% 0.648018%
60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
90 Days 0.104493% 0.000000% 0.000000% 0.000000% 0.104493%
0.095769% 0.000000% 0.000000% 0.000000% 0.095769%
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 0.417973% 0.000000% 0.000000% 0.000000% 0.417973%
0.743788% 0.000000% 0.000000% 0.000000% 0.743788%
OTHER INFORMATION
<s> <c>
Current Period Class A Insufficient Funds 0.00
Principal Balance of Contaminated Properties 0.00
Periodic Advance 20,901.63
COLLATERAL STATEMENT
Collateral Description Fixed
Weighted Average Gross Coupon 5.922068%
Weighted Average Net Coupon 5.672068%
Weighted Average Pass-Through Rate 5.667568%
Weighted Average Maturity(Stepdown Calculation ) 354
Beginning Scheduled Collateral Loan Count 3,504
Number Of Loans Paid In Full 22
Ending Scheduled Collateral Loan Count 3,482
Beginning Scheduled Collateral Balance 493,294,430.59
Ending Scheduled Collateral Balance 488,084,086.18
Ending Actual Collateral Balance at 31-Oct-2003 488,734,311.20
Monthly P &I Constant 3,231,520.64
Special Servicing Fee 0.00
Prepayment Penalties 0.00
Realized Loss Amount 0.00
Cumulative Realized Loss 0.00
Ending Scheduled Balance for Premium Loans 488,084,086.18
Scheduled Principal 797,084.60
Unscheduled Principal 4,413,259.81
Group Level Collateral Statement
Group 1CB -30 Year Fixed 1NC -30 Year Fixed 2 - 15 Year Fixed
Collateral Description Fixed 30 Year Fixed 30 Year Fixed 15 Year
Weighted Average Coupon Rate 6.035434 6.073190 5.455444
Weighted Average Net Rate 5.785434 5.823189 5.205444
Weighted Average Maturity 353 356 172
Beginning Loan Count 2,417 125 962
Loans Paid In Full 13 4 5
Ending Loan Count 2,404 121 957
Beginning Scheduled Balance 335,167,525.74 57,935,041.21 100,191,863.64
Ending scheduled Balance 332,715,714.31 55,856,191.44 99,512,180.43
Record Date 10/31/2003 10/31/2003 10/31/2003
Principal And Interest Constant 2,033,066.14 352,373.54 846,080.96
Scheduled Principal 347,331.45 59,164.80 390,588.35
Unscheduled Principal 2,104,479.98 2,019,684.97 289,094.86
Scheduled Interest 1,685,734.69 293,208.74 455,492.61
Servicing Fees 69,826.56 12,069.81 20,873.30
Master Servicing Fees 0.00 0.00 0.00
Trustee Fee 1,256.88 217.25 375.72
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 1,614,651.25 280,921.68 434,243.59
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 5.780934 5.818690 5.200944
Group Level Collateral Statement
Group Total
Collateral Description Fixed
Weighted Average Coupon Rate 5.922068
Weighted Average Net Rate 5.672068
Weighted Average Maturity 354
Beginning Loan Count 3,504
Loans Paid In Full 22
Ending Loan Count 3,482
Beginning Scheduled Balance 493,294,430.59
Ending scheduled Balance 488,084,086.18
Record Date 10/31/2003
Principal And Interest Constant 3,231,520.64
Scheduled Principal 797,084.60
Unscheduled Principal 4,413,259.81
Scheduled Interest 2,434,436.04
Servicing Fees 102,769.67
Master Servicing Fees 0.00
Trustee Fee 1,849.85
FRY Amount 0.00
Special Hazard Fee 0.00
Other Fee 0.00
Pool Insurance Fee 0.00
Spread Fee 1 0.00
Spread Fee 2 0.00
Spread Fee 3 0.00
Net Interest 2,329,816.52
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 5.667568
Miscellaneous Reporting
Group 1CB -30 Year Fixed
CPR 3.421197%
Group CB Subordinate Percentage 5.009681%
Group CB Subordinate Prepayment % 0.000000%
Group CB Senior Prepayment % 100.000000%
Group CB Senior Percentage 94.990319%
Group 1NC -30 Year Fixed
Group NC Subordinate Percentage 4.938524%
Group NC Subordinate Prepayment % 0.000000%
Group NC Senior Prepayment % 100.000000%
Group NC Senior Percentage 95.061476%
Group 2 - 15 Year Fixed
Group 2 Subordinate Percentage 2.304811%
Group 2 Subordinate Prepayment % 0.000000%
Group 2 Senior Prepayment % 100.000000%
Group 2 Senior Percentage 97.695189%
Group