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): December 26, 2003
BANC OF AMERICA ALTERNATIVE LOAN TRUST
Mortgage Pass-Through Certificates, Series 2003-7 Trust
(Exact name of registrant as specified in its charter)
New York (governing law of 333-105940-09 54-2123764
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 December 26, 2003,
a revision was made to the BANC OF AMERICA ALTERNATIVE LOAN TRUST, Mortgage
Pass-Through Certificates, Series 2003-7 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 2003-7 Trust,
relating to the December 26, 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 2003-7 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 2003-7
Trust, relating to the December 26, 2003 distribution.
EX-99.1
Banc of America Alternative Loan Trust
Mortgage Pass-Through Certificates
Record Date: 11/30/03
Distribution Date: 12/26/03
BAA Series: 2003-7
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-CB-1 05948KEJ4 SEN 5.50000% 98,149,104.60 449,850.06 417,166.32
1-CB-WIO 05948KEK1 SEN 0.31549% 0.00 14,431.84 0.00
1-AR 05948KEU9 SEN 5.50000% 0.00 0.18 0.00
1-A-1 05948KEL9 SEN 5.50000% 113,388,947.39 519,699.34 963,973.45
1-A-2 05948KEM7 SEN 5.50000% 26,298,000.00 120,532.50 0.00
1-A-3 05948KEN5 SEN 5.50000% 1,311,000.00 6,008.75 0.00
1-A-4 05948KEP0 SEN 5.50000% 127,237,947.39 583,173.93 963,973.45
1-A-5 05948KEQ8 SEN 0.00000% 598,261.00 0.00 0.00
1-A-6 05948KFS3 SEN 5.75000% 3,287,000.00 15,750.21 0.00
1-A-7 05948KER6 SEN 5.75000% 1,250,000.00 5,989.58 0.00
1-A-8 05948KES4 SEN 5.75000% 2,975,000.00 14,255.21 0.00
1-A-9 05948KET2 SEN 5.75000% 5,649,739.00 27,071.67 0.00
1-A-WIO 05948KEV7 SEN 0.31711% 0.00 41,434.67 0.00
2-A-1 05948KEW5 SEN 5.00000% 56,404,154.86 235,017.30 691,921.56
2-A-2 05948KEX3 SEN 5.00000% 63,917,154.86 266,321.46 691,921.56
2-A-3 05948KEY1 SEN 5.00000% 24,873,000.00 103,637.49 0.00
2-A-4 05948KEZ8 SEN 5.00000% 72,598,136.61 302,492.22 691,930.91
2-A-WIO 05948KFA2 SEN 0.34375% 0.00 36,664.92 0.00
A-PO 05948KFB0 PO 0.00000% 12,246,392.43 0.00 53,137.95
1-B-1 05948KFC8 SUB 5.50000% 8,918,863.50 40,878.12 9,640.99
1-B-2 05948KFD6 SUB 5.50000% 4,149,096.54 19,016.69 4,485.04
1-B-3 05948KFE4 SUB 5.50000% 2,074,249.23 9,506.98 2,242.19
1-B-4 05948KFL8 SUB 5.50000% 2,073,850.51 9,505.15 2,241.76
1-B-5 05948KFM6 SUB 5.50000% 1,452,482.33 6,657.21 1,570.09
1-B-6 05948KFN4 SUB 5.50000% 1,659,563.86 7,606.33 1,793.93
2-B-1 05948KFF1 SUB 5.00000% 2,292,726.25 9,553.03 9,005.16
2-B-2 05948KFG9 SUB 5.00000% 802,454.19 3,343.56 3,151.81
2-B-3 05948KFH7 SUB 5.00000% 802,454.19 3,343.56 3,151.81
2-B-4 05948KFP9 SUB 5.00000% 458,545.25 1,910.61 1,801.03
2-B-5 05948KFQ7 SUB 5.00000% 229,272.63 955.30 900.52
2-B-6 05948KFR5 SUB 5.00000% 344,090.82 1,433.71 1,351.49
SES 05948KFU8 SEN 0.00000% 0.00 109,230.12 0.00
Totals 635,441,487.44 2,965,271.70 4,515,361.02
Certificateholder Distribution Summary (continued)
Current Ending Cumulative
Realized Certificate Total Realized
Class Loss Balance Distribution Losses
<s> <c> <c> <c> <c>
1-CB-1 0.00 97,731,938.29 867,016.38 0.00
1-CB-WIO 0.00 0.00 14,431.84 0.00
1-AR 0.00 0.00 0.18 0.00
1-A-1 0.00 112,424,973.94 1,483,672.79 0.00
1-A-2 0.00 26,298,000.00 120,532.50 0.00
1-A-3 0.00 1,311,000.00 6,008.75 0.00
1-A-4 0.00 126,273,973.94 1,547,147.38 0.00
1-A-5 0.00 598,261.00 0.00 0.00
1-A-6 0.00 3,287,000.00 15,750.21 0.00
1-A-7 0.00 1,250,000.00 5,989.58 0.00
1-A-8 0.00 2,975,000.00 14,255.21 0.00
1-A-9 0.00 5,649,739.00 27,071.67 0.00
1-A-WIO 0.00 0.00 41,434.67 0.00
2-A-1 0.00 55,712,233.31 926,938.86 0.00
2-A-2 0.00 63,225,233.31 958,243.02 0.00
2-A-3 0.00 24,873,000.00 103,637.49 0.00
2-A-4 0.00 71,906,205.69 994,423.13 0.00
2-A-WIO 0.00 0.00 36,664.92 0.00
A-PO 0.00 12,193,254.49 53,137.95 0.00
1-B-1 0.00 8,909,222.50 50,519.11 0.00
1-B-2 0.00 4,144,611.51 23,501.73 0.00
1-B-3 0.00 2,072,007.04 11,749.17 0.00
1-B-4 0.00 2,071,608.74 11,746.91 0.00
1-B-5 0.00 1,450,912.25 8,227.30 0.00
1-B-6 0.00 1,657,769.92 9,400.26 0.00
2-B-1 0.00 2,283,721.09 18,558.19 0.00
2-B-2 0.00 799,302.38 6,495.37 0.00
2-B-3 0.00 799,302.38 6,495.37 0.00
2-B-4 0.00 456,744.22 3,711.64 0.00
2-B-5 0.00 228,372.11 1,855.82 0.00
2-B-6 0.00 342,739.33 2,785.20 0.00
SES 0.00 0.00 109,230.12 0.00
Totals 0.00 630,926,126.44 7,480,632.72 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-CB-1 100,000,000.00 98,149,104.60 106,377.93 310,788.39 0.00 0.00
1-CB-WIO 0.00 0.00 0.00 0.00 0.00 0.00
1-AR 100.00 0.00 0.00 0.00 0.00 0.00
1-A-1 116,638,000.00 113,388,947.39 152,273.62 811,699.83 0.00 0.00
1-A-2 26,298,000.00 26,298,000.00 0.00 0.00 0.00 0.00
1-A-3 1,311,000.00 1,311,000.00 0.00 0.00 0.00 0.00
1-A-4 130,487,000.00 127,237,947.39 152,273.62 811,699.83 0.00 0.00
1-A-5 598,261.00 598,261.00 0.00 0.00 0.00 0.00
1-A-6 3,287,000.00 3,287,000.00 0.00 0.00 0.00 0.00
1-A-7 1,250,000.00 1,250,000.00 0.00 0.00 0.00 0.00
1-A-8 2,975,000.00 2,975,000.00 0.00 0.00 0.00 0.00
1-A-9 5,649,739.00 5,649,739.00 0.00 0.00 0.00 0.00
1-A-WIO 0.00 0.00 0.00 0.00 0.00 0.00
2-A-1 57,754,000.00 56,404,154.86 285,138.10 406,783.46 0.00 0.00
2-A-2 65,267,000.00 63,917,154.86 285,138.10 406,783.46 0.00 0.00
2-A-3 24,873,000.00 24,873,000.00 0.00 0.00 0.00 0.00
2-A-4 73,948,000.00 72,598,136.61 285,141.95 406,788.96 0.00 0.00
2-A-WIO 0.00 0.00 0.00 0.00 0.00 0.00
A-PO 12,413,176.11 12,246,392.43 29,384.36 23,753.58 0.00 0.00
1-B-1 8,947,439.00 8,918,863.50 9,640.99 0.00 0.00 0.00
1-B-2 4,162,390.00 4,149,096.54 4,485.04 0.00 0.00 0.00
1-B-3 2,080,895.00 2,074,249.23 2,242.19 0.00 0.00 0.00
1-B-4 2,080,495.00 2,073,850.51 2,241.76 0.00 0.00 0.00
1-B-5 1,457,136.00 1,452,482.33 1,570.09 0.00 0.00 0.00
1-B-6 1,664,881.00 1,659,563.86 1,793.93 0.00 0.00 0.00
2-B-1 2,319,440.00 2,292,726.25 9,005.16 0.00 0.00 0.00
2-B-2 811,804.00 802,454.19 3,151.81 0.00 0.00 0.00
2-B-3 811,804.00 802,454.19 3,151.81 0.00 0.00 0.00
2-B-4 463,888.00 458,545.25 1,801.03 0.00 0.00 0.00
2-B-5 231,944.00 229,272.63 900.52 0.00 0.00 0.00
2-B-6 348,100.00 344,090.82 1,351.49 0.00 0.00 0.00
SES 0.00 0.00 0.00 0.00 0.00 0.00
Totals 648,129,492.11 635,441,487.44 1,337,063.50 3,178,297.51 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>
1-CB-1 417,166.32 97,731,938.29 0.97731938 417,166.32
1-CB-WIO 0.00 0.00 0.00000000 0.00
1-AR 0.00 0.00 0.00000000 0.00
1-A-1 963,973.45 112,424,973.94 0.96387947 963,973.45
1-A-2 0.00 26,298,000.00 1.00000000 0.00
1-A-3 0.00 1,311,000.00 1.00000000 0.00
1-A-4 963,973.45 126,273,973.94 0.96771306 963,973.45
1-A-5 0.00 598,261.00 1.00000000 0.00
1-A-6 0.00 3,287,000.00 1.00000000 0.00
1-A-7 0.00 1,250,000.00 1.00000000 0.00
1-A-8 0.00 2,975,000.00 1.00000000 0.00
1-A-9 0.00 5,649,739.00 1.00000000 0.00
1-A-WIO 0.00 0.00 0.00000000 0.00
2-A-1 691,921.56 55,712,233.31 0.96464718 691,921.56
2-A-2 691,921.56 63,225,233.31 0.96871671 691,921.56
2-A-3 0.00 24,873,000.00 1.00000000 0.00
2-A-4 691,930.91 71,906,205.69 0.97238878 691,930.91
2-A-WIO 0.00 0.00 0.00000000 0.00
A-PO 53,137.95 12,193,254.49 0.98228321 53,137.95
1-B-1 9,640.99 8,909,222.50 0.99572878 9,640.99
1-B-2 4,485.04 4,144,611.51 0.99572878 4,485.04
1-B-3 2,242.19 2,072,007.04 0.99572878 2,242.19
1-B-4 2,241.76 2,071,608.74 0.99572878 2,241.76
1-B-5 1,570.09 1,450,912.25 0.99572878 1,570.09
1-B-6 1,793.93 1,657,769.92 0.99572878 1,793.93
2-B-1 9,005.16 2,283,721.09 0.98460020 9,005.16
2-B-2 3,151.81 799,302.38 0.98460020 3,151.81
2-B-3 3,151.81 799,302.38 0.98460020 3,151.81
2-B-4 1,801.03 456,744.22 0.98460021 1,801.03
2-B-5 900.52 228,372.11 0.98460021 900.52
2-B-6 1,351.49 342,739.33 0.98460020 1,351.49
SES 0.00 0.00 0.00000000 0.00
Totals 4,515,361.02 630,926,126.44 0.97345690 4,515,361.02
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-CB-1 100,000,000.00 981.49104600 1.06377930 3.10788390 0.00000000
1-CB-WIO 0.00 0.00000000 0.00000000 0.00000000 0.00000000
1-AR 100.00 0.00000000 0.00000000 0.00000000 0.00000000
1-A-1 116,638,000.00 972.14413304 1.30552324 6.95913707 0.00000000
1-A-2 26,298,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
1-A-3 1,311,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
1-A-4 130,487,000.00 975.10056473 1.16696391 6.22054174 0.00000000
1-A-5 598,261.00 1000.00000000 0.00000000 0.00000000 0.00000000
1-A-6 3,287,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
1-A-7 1,250,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
1-A-8 2,975,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
1-A-9 5,649,739.00 1000.00000000 0.00000000 0.00000000 0.00000000
1-A-WIO 0.00 0.00000000 0.00000000 0.00000000 0.00000000
2-A-1 57,754,000.00 976.62767704 4.93711431 7.04338158 0.00000000
2-A-2 65,267,000.00 979.31810655 4.36879434 6.23260545 0.00000000
2-A-3 24,873,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
2-A-4 73,948,000.00 981.74577554 3.85597920 5.50101369 0.00000000
2-A-WIO 0.00 0.00000000 0.00000000 0.00000000 0.00000000
A-PO 12,413,176.11 986.56398020 2.36719110 1.91357794 0.00000000
1-B-1 8,947,439.00 996.80629284 1.07751391 0.00000000 0.00000000
1-B-2 4,162,390.00 996.80629158 1.07751556 0.00000000 0.00000000
1-B-3 2,080,895.00 996.80629248 1.07751232 0.00000000 0.00000000
1-B-4 2,080,495.00 996.80629369 1.07751280 0.00000000 0.00000000
1-B-5 1,457,136.00 996.80628987 1.07751782 0.00000000 0.00000000
1-B-6 1,664,881.00 996.80629426 1.07751245 0.00000000 0.00000000
2-B-1 2,319,440.00 988.48267254 3.88247163 0.00000000 0.00000000
2-B-2 811,804.00 988.48267562 3.88247656 0.00000000 0.00000000
2-B-3 811,804.00 988.48267562 3.88247656 0.00000000 0.00000000
2-B-4 463,888.00 988.48267254 3.88246732 0.00000000 0.00000000
2-B-5 231,944.00 988.48269410 3.88248888 0.00000000 0.00000000
2-B-6 348,100.00 988.48267739 3.88247630 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-CB-1 0.00000000 4.17166320 977.31938290 0.97731938 4.17166320
1-CB-WIO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
1-AR 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
1-A-1 0.00000000 8.26466032 963.87947273 0.96387947 8.26466032
1-A-2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
1-A-3 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
1-A-4 0.00000000 7.38750565 967.71305908 0.96771306 7.38750565
1-A-5 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
1-A-6 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
1-A-7 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
1-A-8 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
1-A-9 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
1-A-WIO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
2-A-1 0.00000000 11.98049590 964.64718132 0.96464718 11.98049590
2-A-2 0.00000000 10.60139979 968.71670691 0.96871671 10.60139979
2-A-3 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
2-A-4 0.00000000 9.35699289 972.38878252 0.97238878 9.35699289
2-A-WIO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
A-PO 0.00000000 4.28076985 982.28321116 0.98228321 4.28076985
1-B-1 0.00000000 1.07751391 995.72877781 0.99572878 1.07751391
1-B-2 0.00000000 1.07751556 995.72877842 0.99572878 1.07751556
1-B-3 0.00000000 1.07751232 995.72878016 0.99572878 1.07751232
1-B-4 0.00000000 1.07751280 995.72877608 0.99572878 1.07751280
1-B-5 0.00000000 1.07751782 995.72877892 0.99572878 1.07751782
1-B-6 0.00000000 1.07751245 995.72877581 0.99572878 1.07751245
2-B-1 0.00000000 3.88247163 984.60020091 0.98460020 3.88247163
2-B-2 0.00000000 3.88247656 984.60019906 0.98460020 3.88247656
2-B-3 0.00000000 3.88247656 984.60019906 0.98460020 3.88247656
2-B-4 0.00000000 3.88246732 984.60020522 0.98460021 3.88246732
2-B-5 0.00000000 3.88248888 984.60020522 0.98460021 3.88248888
2-B-6 0.00000000 3.88247630 984.60020109 0.98460020 3.88247630
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-CB-1 100,000,000.00 5.50000% 98,149,104.60 449,850.06 0.00 0.00
1-CB-WIO 0.00 0.31549% 54,892,363.62 14,431.84 0.00 0.00
1-AR 100.00 5.50000% 0.00 0.00 0.00 0.00
1-A-1 116,638,000.00 5.50000% 113,388,947.39 519,699.34 0.00 0.00
1-A-2 26,298,000.00 5.50000% 26,298,000.00 120,532.50 0.00 0.00
1-A-3 1,311,000.00 5.50000% 1,311,000.00 6,008.75 0.00 0.00
1-A-4 130,487,000.00 5.50000% 127,237,947.39 583,173.93 0.00 0.00
1-A-5 598,261.00 0.00000% 598,261.00 0.00 0.00 0.00
1-A-6 3,287,000.00 5.75000% 3,287,000.00 15,750.21 0.00 0.00
1-A-7 1,250,000.00 5.75000% 1,250,000.00 5,989.58 0.00 0.00
1-A-8 2,975,000.00 5.75000% 2,975,000.00 14,255.21 0.00 0.00
1-A-9 5,649,739.00 5.75000% 5,649,739.00 27,071.67 0.00 0.00
1-A-WIO 0.00 0.31711% 156,796,920.38 41,434.67 0.00 0.00
2-A-1 57,754,000.00 5.00000% 56,404,154.86 235,017.31 0.00 0.00
2-A-2 65,267,000.00 5.00000% 63,917,154.86 266,321.48 0.00 0.00
2-A-3 24,873,000.00 5.00000% 24,873,000.00 103,637.50 0.00 0.00
2-A-4 73,948,000.00 5.00000% 72,598,136.61 302,492.24 0.00 0.00
2-A-WIO 0.00 0.34375% 127,994,295.42 36,664.92 0.00 0.00
A-PO 12,413,176.11 0.00000% 12,246,392.43 0.00 0.00 0.00
1-B-1 8,947,439.00 5.50000% 8,918,863.50 40,878.12 0.00 0.00
1-B-2 4,162,390.00 5.50000% 4,149,096.54 19,016.69 0.00 0.00
1-B-3 2,080,895.00 5.50000% 2,074,249.23 9,506.98 0.00 0.00
1-B-4 2,080,495.00 5.50000% 2,073,850.51 9,505.15 0.00 0.00
1-B-5 1,457,136.00 5.50000% 1,452,482.33 6,657.21 0.00 0.00
1-B-6 1,664,881.00 5.50000% 1,659,563.86 7,606.33 0.00 0.00
2-B-1 2,319,440.00 5.00000% 2,292,726.25 9,553.03 0.00 0.00
2-B-2 811,804.00 5.00000% 802,454.19 3,343.56 0.00 0.00
2-B-3 811,804.00 5.00000% 802,454.19 3,343.56 0.00 0.00
2-B-4 463,888.00 5.00000% 458,545.25 1,910.61 0.00 0.00
2-B-5 231,944.00 5.00000% 229,272.63 955.30 0.00 0.00
2-B-6 348,100.00 5.00000% 344,090.82 1,433.71 0.00 0.00
SES 0.00 0.00000% 635,441,488.39 0.00 0.00 0.00
Totals 648,129,492.11 2,856,041.46 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-CB-1 0.00 0.00 449,850.06 0.00 97,731,938.29
1-CB-WIO 0.00 0.00 14,431.84 0.00 54,527,827.34
1-AR 0.00 0.00 0.18 0.00 0.00
1-A-1 0.00 0.00 519,699.34 0.00 112,424,973.94
1-A-2 0.00 0.00 120,532.50 0.00 26,298,000.00
1-A-3 0.00 0.00 6,008.75 0.00 1,311,000.00
1-A-4 0.00 0.00 583,173.93 0.00 126,273,973.94
1-A-5 0.00 0.00 0.00 0.00 598,261.00
1-A-6 0.00 0.00 15,750.21 0.00 3,287,000.00
1-A-7 0.00 0.00 5,989.58 0.00 1,250,000.00
1-A-8 0.00 0.00 14,255.21 0.00 2,975,000.00
1-A-9 0.00 0.00 27,071.67 0.00 5,649,739.00
1-A-WIO 0.00 0.00 41,434.67 0.00 155,524,898.69
2-A-1 0.02 0.00 235,017.30 0.00 55,712,233.31
2-A-2 0.02 0.00 266,321.46 0.00 63,225,233.31
2-A-3 0.01 0.00 103,637.49 0.00 24,873,000.00
2-A-4 0.02 0.00 302,492.22 0.00 71,906,205.69
2-A-WIO 0.00 0.00 36,664.92 0.00 126,543,105.12
A-PO 0.00 0.00 0.00 0.00 12,193,254.49
1-B-1 0.00 0.00 40,878.12 0.00 8,909,222.50
1-B-2 0.00 0.00 19,016.69 0.00 4,144,611.51
1-B-3 0.00 0.00 9,506.98 0.00 2,072,007.04
1-B-4 0.00 0.00 9,505.15 0.00 2,071,608.74
1-B-5 0.00 0.00 6,657.21 0.00 1,450,912.25
1-B-6 0.00 0.00 7,606.33 0.00 1,657,769.92
2-B-1 0.00 0.00 9,553.03 0.00 2,283,721.09
2-B-2 0.00 0.00 3,343.56 0.00 799,302.38
2-B-3 0.00 0.00 3,343.56 0.00 799,302.38
2-B-4 0.00 0.00 1,910.61 0.00 456,744.22
2-B-5 0.00 0.00 955.30 0.00 228,372.11
2-B-6 0.00 0.00 1,433.71 0.00 342,739.33
SES 0.00 0.00 109,230.12 0.00 630,926,127.38
Totals 0.07 0.00 2,965,271.70 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-CB-1 100,000,000.00 5.50000% 981.49104600 4.49850060 0.00000000 0.00000000
1-CB-WIO 0.00 0.31549% 972.74842086 0.25574686 0.00000000 0.00000000
1-AR 100.00 5.50000% 0.00000000 0.00000000 0.00000000 0.00000000
1-A-1 116,638,000.00 5.50000% 972.14413304 4.45566059 0.00000000 0.00000000
1-A-2 26,298,000.00 5.50000% 1000.00000000 4.58333333 0.00000000 0.00000000
1-A-3 1,311,000.00 5.50000% 1000.00000000 4.58333333 0.00000000 0.00000000
1-A-4 130,487,000.00 5.50000% 975.10056473 4.46921096 0.00000000 0.00000000
1-A-5 598,261.00 0.00000% 1000.00000000 0.00000000 0.00000000 0.00000000
1-A-6 3,287,000.00 5.75000% 1000.00000000 4.79166717 0.00000000 0.00000000
1-A-7 1,250,000.00 5.75000% 1000.00000000 4.79166400 0.00000000 0.00000000
1-A-8 2,975,000.00 5.75000% 1000.00000000 4.79166723 0.00000000 0.00000000
1-A-9 5,649,739.00 5.75000% 1000.00000000 4.79166737 0.00000000 0.00000000
1-A-WIO 0.00 0.31711% 972.64491850 0.25702814 0.00000000 0.00000000
2-A-1 57,754,000.00 5.00000% 976.62767704 4.06928195 0.00000000 0.00000000
2-A-2 65,267,000.00 5.00000% 979.31810655 4.08049213 0.00000000 0.00000000
2-A-3 24,873,000.00 5.00000% 1000.00000000 4.16666667 0.00000000 0.00000000
2-A-4 73,948,000.00 5.00000% 981.74577554 4.09060745 0.00000000 0.00000000
2-A-WIO 0.00 0.34375% 982.46630466 0.28143480 0.00000000 0.00000000
A-PO 12,413,176.11 0.00000% 986.56398020 0.00000000 0.00000000 0.00000000
1-B-1 8,947,439.00 5.50000% 996.80629284 4.56869502 0.00000000 0.00000000
1-B-2 4,162,390.00 5.50000% 996.80629158 4.56869491 0.00000000 0.00000000
1-B-3 2,080,895.00 5.50000% 996.80629248 4.56869760 0.00000000 0.00000000
1-B-4 2,080,495.00 5.50000% 996.80629369 4.56869639 0.00000000 0.00000000
1-B-5 1,457,136.00 5.50000% 996.80628987 4.56869503 0.00000000 0.00000000
1-B-6 1,664,881.00 5.50000% 996.80629426 4.56869290 0.00000000 0.00000000
2-B-1 2,319,440.00 5.00000% 988.48267254 4.11867951 0.00000000 0.00000000
2-B-2 811,804.00 5.00000% 988.48267562 4.11867889 0.00000000 0.00000000
2-B-3 811,804.00 5.00000% 988.48267562 4.11867889 0.00000000 0.00000000
2-B-4 463,888.00 5.00000% 988.48267254 4.11868813 0.00000000 0.00000000
2-B-5 231,944.00 5.00000% 988.48269410 4.11866657 0.00000000 0.00000000
2-B-6 348,100.00 5.00000% 988.48267739 4.11867280 0.00000000 0.00000000
SES 0.00 0.00000% 980.42365793 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-CB-1 0.00000000 0.00000000 4.49850060 0.00000000 977.31938290
1-CB-WIO 0.00000000 0.00000000 0.25574686 0.00000000 966.28846783
1-AR 0.00000000 0.00000000 1.80000000 0.00000000 0.00000000
1-A-1 0.00000000 0.00000000 4.45566059 0.00000000 963.87947273
1-A-2 0.00000000 0.00000000 4.58333333 0.00000000 1000.00000000
1-A-3 0.00000000 0.00000000 4.58333333 0.00000000 1000.00000000
1-A-4 0.00000000 0.00000000 4.46921096 0.00000000 967.71305908
1-A-5 0.00000000 0.00000000 0.00000000 0.00000000 1000.00000000
1-A-6 0.00000000 0.00000000 4.79166717 0.00000000 1000.00000000
1-A-7 0.00000000 0.00000000 4.79166400 0.00000000 1000.00000000
1-A-8 0.00000000 0.00000000 4.79166723 0.00000000 1000.00000000
1-A-9 0.00000000 0.00000000 4.79166737 0.00000000 1000.00000000
1-A-WIO 0.00000000 0.00000000 0.25702814 0.00000000 964.75429520
2-A-1 0.00000035 0.00000000 4.06928178 0.00000000 964.64718132
2-A-2 0.00000031 0.00000000 4.08049183 0.00000000 968.71670691
2-A-3 0.00000040 0.00000000 4.16666626 0.00000000 1000.00000000
2-A-4 0.00000027 0.00000000 4.09060718 0.00000000 972.38878252
2-A-WIO 0.00000000 0.00000000 0.28143480 0.00000000 971.32717095
A-PO 0.00000000 0.00000000 0.00000000 0.00000000 982.28321116
1-B-1 0.00000000 0.00000000 4.56869502 0.00000000 995.72877781
1-B-2 0.00000000 0.00000000 4.56869491 0.00000000 995.72877842
1-B-3 0.00000000 0.00000000 4.56869760 0.00000000 995.72878016
1-B-4 0.00000000 0.00000000 4.56869639 0.00000000 995.72877608
1-B-5 0.00000000 0.00000000 4.56869503 0.00000000 995.72877892
1-B-6 0.00000000 0.00000000 4.56869290 0.00000000 995.72877581
2-B-1 0.00000000 0.00000000 4.11867951 0.00000000 984.60020091
2-B-2 0.00000000 0.00000000 4.11867889 0.00000000 984.60019906
2-B-3 0.00000000 0.00000000 4.11867889 0.00000000 984.60019906
2-B-4 0.00000000 0.00000000 4.11868813 0.00000000 984.60020522
2-B-5 0.00000000 0.00000000 4.11866657 0.00000000 984.60020522
2-B-6 0.00000000 0.00000000 4.11867280 0.00000000 984.60020109
SES 0.00000000 0.00000000 0.16853132 0.00000000 973.45690043
<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-CB-APO 0.00000% 0.00 0.00 1,877,730.27 1,875,454.74 98.90350883%
1-A-APO 0.00000% 0.00 0.00 5,328,358.69 5,307,033.68 98.24396661%
2-APO 0.00000% 0.00 0.00 5,040,303.47 5,010,766.06 97.96149234%
1-CB-SES 0.00000% 105,260,212.63 104,835,098.64 0.00 0.00 97.84282368%
1-A-SES 0.00000% 302,418,982.36 300,453,408.59 0.00 0.00 97.22182947%
2-SES 0.00000% 227,762,293.40 225,637,620.15 0.00 0.00 97.28106951%
CERTIFICATEHOLDER ACCOUNT STATEMENT
CERTIFICATE ACCOUNT
<s> <c>
Beginning Balance 0.00
Deposits
Payments of Interest and Principal 7,508,963.01
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 7,508,963.01
Withdrawals
Reimbursement for Servicer Advances 0.00
Payment of Service Fee 28,330.29
Payment of Interest and Principal 7,480,632.72
Total Withdrawals (Pool Distribution Amount) 7,508,963.01
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 26,476.91
Trustee Fee 1,853.38
Supported Prepayment/Curtailment Interest Shortfall 0.00
Net Servicing Fee 28,330.29
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
27,532.35 0.00 0.00 27,532.35
30 Days 15 0 0 0 15
1,896,890.78 0.00 0.00 0.00 1,896,890.78
60 Days 3 0 0 0 3
485,842.66 0.00 0.00 0.00 485,842.66
90 Days 2 0 0 0 2
261,602.42 0.00 0.00 0.00 261,602.42
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 20 1 0 0 21
2,644,335.86 27,532.35 0.00 0.00 2,671,868.21
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 0.021997% 0.000000% 0.000000% 0.021997%
0.004356% 0.000000% 0.000000% 0.004356%
30 Days 0.329960% 0.000000% 0.000000% 0.000000% 0.329960%
0.300109% 0.000000% 0.000000% 0.000000% 0.300109%
60 Days 0.065992% 0.000000% 0.000000% 0.000000% 0.065992%
0.076866% 0.000000% 0.000000% 0.000000% 0.076866%
90 Days 0.043995% 0.000000% 0.000000% 0.000000% 0.043995%
0.041388% 0.000000% 0.000000% 0.000000% 0.041388%
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 0.439947% 0.021997% 0.000000% 0.000000% 0.461945%
0.418363% 0.004356% 0.000000% 0.000000% 0.422719%
Delinquency Status By Groups
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
Group 1-CB 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 4 0 0 0 4
268,143.49 0.00 0.00 0.00 268,143.49
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 4 0 0 0 4
268,143.49 0.00 0.00 0.00 268,143.49
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 0.559441% 0.000000% 0.000000% 0.000000% 0.559441%
0.255542% 0.000000% 0.000000% 0.000000% 0.255542%
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 0.559441% 0.000000% 0.000000% 0.000000% 0.559441%
0.255542% 0.000000% 0.000000% 0.000000% 0.255542%
<caption>
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 5 0 0 0 5
790,676.05 0.00 0.00 0.00 790,676.05
60 Days 1 0 0 0 1
283,182.32 0.00 0.00 0.00 283,182.32
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 6 0 0 0 6
1,073,858.37 0.00 0.00 0.00 1,073,858.37
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 0.267523% 0.000000% 0.000000% 0.000000% 0.267523%
0.262917% 0.000000% 0.000000% 0.000000% 0.262917%
60 Days 0.053505% 0.000000% 0.000000% 0.000000% 0.053505%
0.094164% 0.000000% 0.000000% 0.000000% 0.094164%
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 0.321027% 0.000000% 0.000000% 0.000000% 0.321027%
0.357081% 0.000000% 0.000000% 0.000000% 0.357081%
<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 1 0 0 1
27,532.35 0.00 0.00 27,532.35
30 Days 6 0 0 0 6
838,071.24 0.00 0.00 0.00 838,071.24
60 Days 2 0 0 0 2
202,660.34 0.00 0.00 0.00 202,660.34
90 Days 2 0 0 0 2
261,602.42 0.00 0.00 0.00 261,602.42
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 1 0 0 11
1,302,334.00 27,532.35 0.00 0.00 1,329,866.35
0-29 Days 0.050968% 0.000000% 0.000000% 0.050968%
0.012161% 0.000000% 0.000000% 0.012161%
30 Days 0.305810% 0.000000% 0.000000% 0.000000% 0.305810%
0.370167% 0.000000% 0.000000% 0.000000% 0.370167%
60 Days 0.101937% 0.000000% 0.000000% 0.000000% 0.101937%
0.089513% 0.000000% 0.000000% 0.000000% 0.089513%
90 Days 0.101937% 0.000000% 0.000000% 0.000000% 0.101937%
0.115547% 0.000000% 0.000000% 0.000000% 0.115547%
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 0.509684% 0.050968% 0.000000% 0.000000% 0.560652%
0.575226% 0.012161% 0.000000% 0.000000% 0.587387%
OTHER INFORMATION
<s> <c>
Current Period Class A Insufficient Funds 0.00
Principal Balance of Contaminated Properties 0.00
Periodic Advance 18,025.61
COLLATERAL STATEMENT
Collateral Description Fixed
Weighted Average Gross Coupon 5.646994%
Weighted Average Pass-Through Rate 5.393494%
Weighted Average Maturity(Stepdown Calculation ) 288
Beginning Scheduled Collateral Loan Count 4,568
Number Of Loans Paid In Full 22
Ending Scheduled Collateral Loan Count 4,546
Beginning Scheduled Collateral Balance 635,441,488.39
Ending Scheduled Collateral Balance 630,926,127.38
Ending Actual Collateral Balance at 30-Nov-2003 632,067,608.44
Monthly P &I Constant 4,327,342.09
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 7,110,080.51
Class AP Deferred Amount 0.00
Ending Scheduled Balance for Premium Loans 630,926,127.38
Scheduled Principal 1,337,063.50
Unscheduled Principal 3,178,297.51
Group Level Collateral Statement
Group Group 1-CB Group 1 Group 2
Collateral Description Fixed 30 Year Fixed 30 Year Fixed 15 Year
Weighted Average Coupon Rate 5.819913 5.821008 5.336027
Weighted Average Net Rate 5.569913 5.571008 5.086027
Weighted Average Maturity 353 353 172
Beginning Loan Count 717 1,880 1,971
Loans Paid In Full 2 11 9
Ending Loan Count 715 1,869 1,962
Beginning Scheduled Balance 105,260,212.63 302,418,982.36 227,762,293.40
Ending scheduled Balance 104,835,098.64 300,453,408.59 225,637,620.15
Record Date 11/30/2003 11/30/2003 11/30/2003
Principal And Interest Constant 624,739.54 1,794,134.85 1,908,467.70
Scheduled Principal 114,235.10 327,148.81 895,679.59
Unscheduled Principal 310,878.89 1,638,424.96 1,228,993.66
Scheduled Interest 510,504.44 1,466,986.04 1,012,788.11
Servicing Fees 21,929.21 63,003.98 47,450.47
Master Servicing Fees 0.00 0.00 0.00
Trustee Fee 307.01 882.07 664.30
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 488,268.22 1,403,099.99 964,673.34
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 5.566413 5.567508 5.082527
Group Level Collateral Statement
Group Total
Collateral Description Fixed
Weighted Average Coupon Rate 5.646994
Weighted Average Net Rate 5.396994
Weighted Average Maturity 288
Beginning Loan Count 4,568
Loans Paid In Full 22
Ending Loan Count 4,546
Beginning Scheduled Balance 635,441,488.39
Ending scheduled Balance 630,926,127.38
Record Date 11/30/2003
Principal And Interest Constant 4,327,342.09
Scheduled Principal 1,337,063.50
Unscheduled Principal 3,178,297.51
Scheduled Interest 2,990,278.59
Servicing Fees 132,383.66
Master Servicing Fees 0.00
Trustee Fee 1,853.38
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 2,856,041.55
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 5.393494
Miscellaneous Reporting
Group Group 1-CB
CPR 3.490838%
Subordinate % 5.062151%
Subordintate Prepay % 0.000000%
Senior Prepay % 100.000000%
Senior % 94.937849%
Group Group 1
CPR 6.317644%
Subordinate % 5.080850%
Subordintate Prepay % 0.000000%
Senior Prepay % 100.000000%
Senior % 94.919150%
Group Group 2
CPR 6.310470%
Subordinate % 2.213335%
Subordintate Prepay % 0.000000%
Senior Prepay % 100.000000%
Senior % 97.786665%
Group