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): January 26, 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)
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 January 26, 2004,
a revision was made to the BANC OF AMERICA ALTERNATIVE LOAN TRUST, Mortgage
Pass-Through Certificates, Series 2003-10 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 2003-10 Trust,
relating to the January 26, 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
(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: 9/9/2004
INDEX TO EXHIBITS
Exhibit Number Description
EX-99.1 Amended monthly report distributed to holders of
Mortgage Pass-Through Certificates, Series 2003-10
Trust, relating to the January 26, 2004 distribution.
EX-99.1
Banc of America Alternative Loan Trust
Mortgage Pass-Through Certificates
Record Date: 12/31/2003
Distribution Date: 1/26/2004
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% 61,746,314.30 283,003.93 80,553.79
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% 35,822,075.67 179,110.37 228,356.31
2-A-2 05948KHC6 SEN 1.59125% 64,652,943.82 85,732.49 457,697.11
2-A-3 05948KHD4 SEN 16.58100% 26,938,727.09 372,225.85 190,707.13
2-A-4 05948KHE2 SEN 6.00000% 5,673,225.00 28,366.12 (28,366.12)
3-A-1 05948KHF9 SEN 5.50000% 86,752,442.95 397,615.35 609,314.32
CB-IO 05948KHG7 IO 0.42309% 0.00 70,218.40 0.00
4-A-1 05948KHH5 SEN 5.50000% 27,706,817.21 126,989.58 36,526.00
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 0.59270% 0.00 13,218.00 0.00
5-A-1 05948KHM4 SEN 4.50000% 71,098,526.30 266,619.42 352,206.39
5-A-2 05948KHN2 SEN 4.50000% 1,310,283.07 4,913.56 6,490.85
6-A-1 05948KHP7 SEN 5.25000% 1,648,201.46 7,210.88 11,310.26
6-A-2 05948KHQ5 SEN 5.50000% 45,039,719.16 206,432.00 309,070.83
6-A-3 05948KHR3 SEN 5.00000% 45,039,719.16 187,665.46 309,070.83
15-IO 05948KHS1 IO 0.38755% 0.00 36,030.30 0.00
PO 05948KHT9 PO 0.00000% 5,452,717.88 0.00 11,055.24
15-B-1 05948KHX0 SUB 4.91786% 1,945,414.44 7,972.72 7,624.60
15-B-2 05948KHY8 SUB 4.91786% 592,688.99 2,428.97 2,322.91
15-B-3 05948KHZ5 SUB 4.91786% 591,692.87 2,424.88 2,319.00
15-B-4 05948KJE0 SUB 4.91786% 254,009.57 1,040.99 995.53
15-B-5 05948KJF7 SUB 4.91786% 169,339.71 693.99 663.69
15-B-6 05948KJG5 SUB 4.91786% 253,938.84 1,040.70 995.25
30-B-1 05948KHU6 SUB 5.71020% 7,741,049.08 36,835.81 8,000.61
30-B-2 05948KHV4 SUB 5.71020% 3,365,543.21 16,014.95 3,478.39
30-B-3 05948KHW2 SUB 5.71020% 1,683,271.09 8,009.85 1,739.71
30-B-4 05948KJB6 SUB 5.71020% 1,682,272.12 8,005.10 1,738.68
30-B-5 05948KJC4 SUB 5.71020% 1,177,790.28 5,604.52 1,217.28
30-B-6 05948KJD2 SUB 5.71020% 1,346,638.85 6,407.99 1,391.79
SES 05948KJA8 SEN 0.00000% 0.00 86,938.36 0.00
Totals 504,367,362.12 2,470,229.70 2,606,480.38
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 61,665,760.51 363,557.72 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 35,593,719.36 407,466.68 0.00
2-A-2 0.00 64,195,246.71 543,429.60 0.00
2-A-3 0.00 26,748,019.96 562,932.98 0.00
2-A-4 0.00 5,701,591.12 0.00 0.00
3-A-1 0.00 86,143,128.63 1,006,929.67 0.00
CB-IO 0.00 0.00 70,218.40 0.00
4-A-1 0.00 27,670,291.21 163,515.58 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 13,218.00 0.00
5-A-1 0.00 70,746,319.91 618,825.81 0.00
5-A-2 0.00 1,303,792.22 11,404.41 0.00
6-A-1 0.00 1,636,891.20 18,521.14 0.00
6-A-2 0.00 44,730,648.33 515,502.83 0.00
6-A-3 0.00 44,730,648.33 496,736.29 0.00
15-IO 0.00 0.00 36,030.30 0.00
PO 0.00 5,441,662.64 11,055.24 0.00
15-B-1 0.00 1,937,789.83 15,597.32 0.00
15-B-2 0.00 590,366.08 4,751.88 0.00
15-B-3 0.00 589,373.87 4,743.88 0.00
15-B-4 0.00 253,014.03 2,036.52 0.00
15-B-5 0.00 168,676.02 1,357.68 0.00
15-B-6 0.00 252,943.59 2,035.95 0.00
30-B-1 0.00 7,733,048.47 44,836.42 0.00
30-B-2 0.00 3,362,064.82 19,493.34 0.00
30-B-3 0.00 1,681,531.38 9,749.56 0.00
30-B-4 0.00 1,680,533.44 9,743.78 0.00
30-B-5 0.00 1,176,573.00 6,821.80 0.00
30-B-6 0.00 1,345,247.06 7,799.78 0.00
SES 0.00 0.00 86,938.36 0.00
Totals 0.00 501,760,881.72 5,076,710.08 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 61,746,314.30 72,547.58 8,006.21 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 35,822,075.67 34,630.81 193,725.50 0.00 0.00
2-A-2 65,013,882.00 64,652,943.82 69,410.91 388,286.20 0.00 0.00
2-A-3 27,089,118.00 26,938,727.09 28,921.22 161,785.92 0.00 0.00
2-A-4 5,645,000.00 5,673,225.00 0.00 0.00 (28,366.12) 0.00
3-A-1 86,988,000.00 86,752,442.95 90,666.41 518,647.91 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 27,706,817.21 32,452.67 4,073.33 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 71,098,526.30 291,922.58 60,283.82 0.00 0.00
5-A-2 1,317,000.00 1,310,283.07 5,379.88 1,110.98 0.00 0.00
6-A-1 1,655,000.00 1,648,201.46 6,215.26 5,095.01 0.00 0.00
6-A-2 45,225,500.00 45,039,719.16 169,841.72 139,229.11 0.00 0.00
6-A-3 45,225,500.00 45,039,719.16 169,841.72 139,229.11 0.00 0.00
15-IO 0.00 0.00 0.00 0.00 0.00 0.00
PO 5,471,808.00 5,452,717.88 10,199.25 855.99 0.00 0.00
15-B-1 1,953,000.00 1,945,414.44 7,624.60 0.00 0.00 0.00
15-B-2 595,000.00 592,688.99 2,322.91 0.00 0.00 0.00
15-B-3 594,000.00 591,692.87 2,319.00 0.00 0.00 0.00
15-B-4 255,000.00 254,009.57 995.53 0.00 0.00 0.00
15-B-5 170,000.00 169,339.71 663.69 0.00 0.00 0.00
15-B-6 254,929.00 253,938.84 995.25 0.00 0.00 0.00
30-B-1 7,749,000.00 7,741,049.08 8,000.61 0.00 0.00 0.00
30-B-2 3,369,000.00 3,365,543.21 3,478.39 0.00 0.00 0.00
30-B-3 1,685,000.00 1,683,271.09 1,739.71 0.00 0.00 0.00
30-B-4 1,684,000.00 1,682,272.12 1,738.68 0.00 0.00 0.00
30-B-5 1,179,000.00 1,177,790.28 1,217.28 0.00 0.00 0.00
30-B-6 1,348,022.00 1,346,638.85 1,391.79 0.00 0.00 0.00
SES 0.00 0.00 0.00 0.00 0.00 0.00
Totals 506,695,859.00 504,367,362.12 1,014,517.45 1,620,329.09 (28,366.12) 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 80,553.79 61,665,760.51 0.99660224 80,553.79
1-A-R 0.00 0.00 0.00000000 0.00
1-A-LR 0.00 0.00 0.00000000 0.00
2-A-1 228,356.31 35,593,719.36 0.98871443 228,356.31
2-A-2 457,697.11 64,195,246.71 0.98740830 457,697.11
2-A-3 190,707.13 26,748,019.96 0.98740830 190,707.13
2-A-4 (28,366.12) 5,701,591.12 1.01002500 (28,366.12)
3-A-1 609,314.32 86,143,128.63 0.99028750 609,314.32
CB-IO 0.00 0.00 0.00000000 0.00
4-A-1 36,526.00 27,670,291.21 0.98093772 36,526.00
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-1 352,206.39 70,746,319.91 0.98997131 352,206.39
5-A-2 6,490.85 1,303,792.22 0.98997131 6,490.85
6-A-1 11,310.26 1,636,891.20 0.98905813 11,310.26
6-A-2 309,070.83 44,730,648.33 0.98905813 309,070.83
6-A-3 309,070.83 44,730,648.33 0.98905813 309,070.83
15-IO 0.00 0.00 0.00000000 0.00
PO 11,055.24 5,441,662.64 0.99449079 11,055.24
15-B-1 7,624.60 1,937,789.83 0.99221189 7,624.60
15-B-2 2,322.91 590,366.08 0.99221190 2,322.91
15-B-3 2,319.00 589,373.87 0.99221190 2,319.00
15-B-4 995.53 253,014.03 0.99221188 995.53
15-B-5 663.69 168,676.02 0.99221188 663.69
15-B-6 995.25 252,943.59 0.99221191 995.25
30-B-1 8,000.61 7,733,048.47 0.99794147 8,000.61
30-B-2 3,478.39 3,362,064.82 0.99794147 3,478.39
30-B-3 1,739.71 1,681,531.38 0.99794147 1,739.71
30-B-4 1,738.68 1,680,533.44 0.99794147 1,738.68
30-B-5 1,217.28 1,176,573.00 0.99794148 1,217.28
30-B-6 1,391.79 1,345,247.06 0.99794147 1,391.79
SES 0.00 0.00 0.00000000 0.00
Totals 2,606,480.38 501,760,881.72 0.99026047 2,606,480.38
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 61,876,000.00 997.90410337 1.17246719 0.12939120 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 36,000,000.00 995.05765750 0.96196694 5.38126389 0.00000000
2-A-2 65,013,882.00 994.44829060 1.06763214 5.97235833 0.00000000
2-A-3 27,089,118.00 994.44829064 1.06763240 5.97235835 0.00000000
2-A-4 5,645,000.00 1005.00000000 0.00000000 0.00000000 (5.02499911)
3-A-1 86,988,000.00 997.29207419 1.04228641 5.96229262 0.00000000
CB-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000
4-A-1 28,208,000.00 982.23260104 1.15047752 0.14440336 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 71,463,000.00 994.89982648 4.08494718 0.84356688 0.00000000
5-A-2 1,317,000.00 994.89982536 4.08495065 0.84356872 0.00000000
6-A-1 1,655,000.00 995.89212085 3.75544411 3.07855589 0.00000000
6-A-2 45,225,500.00 995.89212192 3.75544151 3.07855325 0.00000000
6-A-3 45,225,500.00 995.89212192 3.75544151 3.07855325 0.00000000
15-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000
PO 5,471,808.00 996.51118607 1.86396343 0.15643641 0.00000000
15-B-1 1,953,000.00 996.11594470 3.90404506 0.00000000 0.00000000
15-B-2 595,000.00 996.11594958 3.90405042 0.00000000 0.00000000
15-B-3 594,000.00 996.11594276 3.90404040 0.00000000 0.00000000
15-B-4 255,000.00 996.11596078 3.90403922 0.00000000 0.00000000
15-B-5 170,000.00 996.11594118 3.90405882 0.00000000 0.00000000
15-B-6 254,929.00 996.11593816 3.90402818 0.00000000 0.00000000
30-B-1 7,749,000.00 998.97394244 1.03247000 0.00000000 0.00000000
30-B-2 3,369,000.00 998.97394182 1.03246958 0.00000000 0.00000000
30-B-3 1,685,000.00 998.97394065 1.03246884 0.00000000 0.00000000
30-B-4 1,684,000.00 998.97394299 1.03247031 0.00000000 0.00000000
30-B-5 1,179,000.00 998.97394402 1.03246819 0.00000000 0.00000000
30-B-6 1,348,022.00 998.97394108 1.03246831 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 1.30185839 996.60224497 0.99660224 1.30185839
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 6.34323083 988.71442667 0.98871443 6.34323083
2-A-2 0.00000000 7.03999047 987.40830012 0.98740830 7.03999047
2-A-3 0.00000000 7.03999038 987.40830026 0.98740830 7.03999038
2-A-4 0.00000000 (5.02499911) 1,010.02499911 1.01002500 (5.02499911)
3-A-1 0.00000000 7.00457902 990.28749517 0.99028750 7.00457902
CB-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
4-A-1 0.00000000 1.29488088 980.93772015 0.98093772 1.29488088
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 4.92851392 989.97131257 0.98997131 4.92851392
5-A-2 0.00000000 4.92851177 989.97131359 0.98997131 4.92851177
6-A-1 0.00000000 6.83399396 989.05812689 0.98905813 6.83399396
6-A-2 0.00000000 6.83399476 989.05812716 0.98905813 6.83399476
6-A-3 0.00000000 6.83399476 989.05812716 0.98905813 6.83399476
15-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
PO 0.00000000 2.02039984 994.49078623 0.99449079 2.02039984
15-B-1 0.00000000 3.90404506 992.21189452 0.99221189 3.90404506
15-B-2 0.00000000 3.90405042 992.21189916 0.99221190 3.90405042
15-B-3 0.00000000 3.90404040 992.21190236 0.99221190 3.90404040
15-B-4 0.00000000 3.90403922 992.21188235 0.99221188 3.90403922
15-B-5 0.00000000 3.90405882 992.21188235 0.99221188 3.90405882
15-B-6 0.00000000 3.90402818 992.21190998 0.99221191 3.90402818
30-B-1 0.00000000 1.03247000 997.94147245 0.99794147 1.03247000
30-B-2 0.00000000 1.03246958 997.94147225 0.99794147 1.03246958
30-B-3 0.00000000 1.03246884 997.94147181 0.99794147 1.03246884
30-B-4 0.00000000 1.03247031 997.94147268 0.99794147 1.03247031
30-B-5 0.00000000 1.03246819 997.94147583 0.99794148 1.03246819
30-B-6 0.00000000 1.03246831 997.94147277 0.99794147 1.03246831
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% 61,746,314.30 283,003.94 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% 35,822,075.67 179,110.38 0.00 0.00
2-A-2 65,013,882.00 1.59125% 64,652,943.82 85,732.50 0.00 0.00
2-A-3 27,089,118.00 16.58100% 26,938,727.09 372,225.86 0.00 0.00
2-A-4 5,645,000.00 6.00000% 5,673,225.00 28,366.12 0.00 0.00
3-A-1 86,988,000.00 5.50000% 86,752,442.95 397,615.36 0.00 0.00
CB-IO 0.00 0.42309% 199,160,878.01 70,218.41 0.00 0.00
4-A-1 28,208,000.00 5.50000% 27,706,817.21 126,989.58 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 0.59270% 26,761,568.19 13,218.00 0.00 0.00
5-A-1 71,463,000.00 4.50000% 71,098,526.30 266,619.47 0.00 0.00
5-A-2 1,317,000.00 4.50000% 1,310,283.07 4,913.56 0.00 0.00
6-A-1 1,655,000.00 5.25000% 1,648,201.46 7,210.88 0.00 0.00
6-A-2 45,225,500.00 5.50000% 45,039,719.16 206,432.05 0.00 0.00
6-A-3 45,225,500.00 5.00000% 45,039,719.16 187,665.50 0.00 0.00
15-IO 0.00 0.38755% 111,562,607.28 36,030.30 0.00 0.00
PO 5,471,808.00 0.00000% 5,452,717.88 0.00 0.00 0.00
15-B-1 1,953,000.00 4.91786% 1,945,414.44 7,972.72 0.00 0.00
15-B-2 595,000.00 4.91786% 592,688.99 2,428.97 0.00 0.00
15-B-3 594,000.00 4.91786% 591,692.87 2,424.88 0.00 0.00
15-B-4 255,000.00 4.91786% 254,009.57 1,040.99 0.00 0.00
15-B-5 170,000.00 4.91786% 169,339.71 693.99 0.00 0.00
15-B-6 254,929.00 4.91786% 253,938.84 1,040.70 0.00 0.00
30-B-1 7,749,000.00 5.71020% 7,741,049.08 36,835.82 0.00 0.00
30-B-2 3,369,000.00 5.71020% 3,365,543.21 16,014.95 0.00 0.00
30-B-3 1,685,000.00 5.71020% 1,683,271.09 8,009.85 0.00 0.00
30-B-4 1,684,000.00 5.71020% 1,682,272.12 8,005.10 0.00 0.00
30-B-5 1,179,000.00 5.71020% 1,177,790.28 5,604.52 0.00 0.00
30-B-6 1,348,022.00 5.71020% 1,346,638.85 6,407.99 0.00 0.00
SES 0.00 0.00000% 504,367,363.26 0.00 0.00 0.00
Totals 506,695,859.00 2,383,291.55 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 0.01 0.00 283,003.93 0.00 61,665,760.51
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 0.01 0.00 179,110.37 0.00 35,593,719.36
2-A-2 0.00 0.00 85,732.49 0.00 64,195,246.71
2-A-3 0.01 0.00 372,225.85 0.00 26,748,019.96
2-A-4 0.00 0.00 28,366.12 0.00 5,701,591.12
3-A-1 0.01 0.00 397,615.35 0.00 86,143,128.63
CB-IO 0.00 0.00 70,218.40 0.00 197,734,867.29
4-A-1 0.00 0.00 126,989.58 0.00 27,670,291.21
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 13,218.00 0.00 26,732,966.96
5-A-1 0.06 0.00 266,619.42 0.00 70,746,319.91
5-A-2 0.00 0.00 4,913.56 0.00 1,303,792.22
6-A-1 0.00 0.00 7,210.88 0.00 1,636,891.20
6-A-2 0.04 0.00 206,432.00 0.00 44,730,648.33
6-A-3 0.04 0.00 187,665.46 0.00 44,730,648.33
15-IO 0.01 0.00 36,030.30 0.00 111,003,171.30
PO 0.00 0.00 0.00 0.00 5,441,662.64
15-B-1 0.00 0.00 7,972.72 0.00 1,937,789.83
15-B-2 0.00 0.00 2,428.97 0.00 590,366.08
15-B-3 0.00 0.00 2,424.88 0.00 589,373.87
15-B-4 0.00 0.00 1,040.99 0.00 253,014.03
15-B-5 0.00 0.00 693.99 0.00 168,676.02
15-B-6 0.00 0.00 1,040.70 0.00 252,943.59
30-B-1 0.00 0.00 36,835.81 0.00 7,733,048.47
30-B-2 0.00 0.00 16,014.95 0.00 3,362,064.82
30-B-3 0.00 0.00 8,009.85 0.00 1,681,531.38
30-B-4 0.00 0.00 8,005.10 0.00 1,680,533.44
30-B-5 0.00 0.00 5,604.52 0.00 1,176,573.00
30-B-6 0.00 0.00 6,407.99 0.00 1,345,247.06
SES 0.00 0.00 86,938.36 0.00 501,760,882.86
Totals 0.19 0.00 2,470,229.70 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-A-1 61,876,000.00 5.50000% 997.90410337 4.57372713 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% 995.05765750 4.97528833 0.00000000 0.00000000
2-A-2 65,013,882.00 1.59125% 994.44829060 1.31867991 0.00000000 0.00000000
2-A-3 27,089,118.00 16.58100% 994.44829064 13.74078920 0.00000000 0.00000000
2-A-4 5,645,000.00 6.00000% 1005.00000000 5.02499911 0.00000000 0.00000000
3-A-1 86,988,000.00 5.50000% 997.29207419 4.57092197 0.00000000 0.00000000
CB-IO 0.00 0.42309% 995.94907371 0.35114306 0.00000000 0.00000000
4-A-1 28,208,000.00 5.50000% 982.23260104 4.50189946 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 0.59270% 981.85441214 0.48495483 0.00000000 0.00000000
5-A-1 71,463,000.00 4.50000% 994.89982648 3.73087430 0.00000000 0.00000000
5-A-2 1,317,000.00 4.50000% 994.89982536 3.73087320 0.00000000 0.00000000
6-A-1 1,655,000.00 5.25000% 995.89212085 4.35702719 0.00000000 0.00000000
6-A-2 45,225,500.00 5.50000% 995.89212192 4.56450564 0.00000000 0.00000000
6-A-3 45,225,500.00 5.00000% 995.89212192 4.14955059 0.00000000 0.00000000
15-IO 0.00 0.38755% 995.83245138 0.32161441 0.00000000 0.00000000
PO 5,471,808.00 0.00000% 996.51118607 0.00000000 0.00000000 0.00000000
15-B-1 1,953,000.00 4.91786% 996.11594470 4.08229391 0.00000000 0.00000000
15-B-2 595,000.00 4.91786% 996.11594958 4.08230252 0.00000000 0.00000000
15-B-3 594,000.00 4.91786% 996.11594276 4.08228956 0.00000000 0.00000000
15-B-4 255,000.00 4.91786% 996.11596078 4.08231373 0.00000000 0.00000000
15-B-5 170,000.00 4.91786% 996.11594118 4.08229412 0.00000000 0.00000000
15-B-6 254,929.00 4.91786% 996.11593816 4.08231311 0.00000000 0.00000000
30-B-1 7,749,000.00 5.71020% 998.97394244 4.75362240 0.00000000 0.00000000
30-B-2 3,369,000.00 5.71020% 998.97394182 4.75362125 0.00000000 0.00000000
30-B-3 1,685,000.00 5.71020% 998.97394065 4.75362018 0.00000000 0.00000000
30-B-4 1,684,000.00 5.71020% 998.97394299 4.75362233 0.00000000 0.00000000
30-B-5 1,179,000.00 5.71020% 998.97394402 4.75362171 0.00000000 0.00000000
30-B-6 1,348,022.00 5.71020% 998.97394108 4.75362420 0.00000000 0.00000000
SES 0.00 0.00000% 995.40454724 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 0.00000016 0.00000000 4.57372697 0.00000000 996.60224497
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 0.00000028 0.00000000 4.97528806 0.00000000 988.71442667
2-A-2 0.00000000 0.00000000 1.31867976 0.00000000 987.40830012
2-A-3 0.00000037 0.00000000 13.74078883 0.00000000 987.40830026
2-A-4 0.00000000 0.00000000 5.02499911 0.00000000 1010.02499911
3-A-1 0.00000011 0.00000000 4.57092185 0.00000000 990.28749517
CB-IO 0.00000000 0.00000000 0.35114301 0.00000000 988.81798416
4-A-1 0.00000000 0.00000000 4.50189946 0.00000000 980.93772015
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 0.48495483 0.00000000 980.80506243
5-A-1 0.00000084 0.00000000 3.73087360 0.00000000 989.97131257
5-A-2 0.00000000 0.00000000 3.73087320 0.00000000 989.97131359
6-A-1 0.00000000 0.00000000 4.35702719 0.00000000 989.05812689
6-A-2 0.00000088 0.00000000 4.56450454 0.00000000 989.05812716
6-A-3 0.00000088 0.00000000 4.14954970 0.00000000 989.05812716
15-IO 0.00000009 0.00000000 0.32161441 0.00000000 990.83880237
PO 0.00000000 0.00000000 0.00000000 0.00000000 994.49078623
15-B-1 0.00000000 0.00000000 4.08229391 0.00000000 992.21189452
15-B-2 0.00000000 0.00000000 4.08230252 0.00000000 992.21189916
15-B-3 0.00000000 0.00000000 4.08228956 0.00000000 992.21190236
15-B-4 0.00000000 0.00000000 4.08231373 0.00000000 992.21188235
15-B-5 0.00000000 0.00000000 4.08229412 0.00000000 992.21188235
15-B-6 0.00000000 0.00000000 4.08231311 0.00000000 992.21190998
30-B-1 0.00000000 0.00000000 4.75362111 0.00000000 997.94147245
30-B-2 0.00000000 0.00000000 4.75362125 0.00000000 997.94147225
30-B-3 0.00000000 0.00000000 4.75362018 0.00000000 997.94147181
30-B-4 0.00000000 0.00000000 4.75362233 0.00000000 997.94147268
30-B-5 0.00000000 0.00000000 4.75362171 0.00000000 997.94147583
30-B-6 0.00000000 0.00000000 4.75362420 0.00000000 997.94147277
SES 0.00000000 0.00000000 0.17157898 0.00000000 990.26047442
<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 0.15572% 32,000,331.87 31,963,066.91 0.00 0.00 99.72793731%
2-IO 0.37863% 100,960,958.36 100,150,382.91 0.00 0.00 98.65543292%
3-IO 0.62013% 66,199,587.78 65,621,417.47 0.00 0.00 98.81946296%
4-IO 0.59270% 26,761,568.19 26,732,966.96 0.00 0.00 98.08050624%
5-IO 0.31073% 50,975,721.90 50,719,738.24 0.00 0.00 99.07666885%
6-IO 0.45219% 60,586,885.38 60,283,433.06 0.00 0.00 99.08994838%
1-PO 0.00000% 0.00 0.00 1,773,531.25 1,770,760.11 99.53660082%
2-PO 0.00000% 0.00 0.00 712,547.65 711,723.53 99.75465539%
3-PO 0.00000% 0.00 0.00 1,645,888.30 1,643,565.39 99.71554081%
4-PO 0.00000% 0.00 0.00 220,580.09 220,300.93 99.75544849%
5-PO 0.00000% 0.00 0.00 752,592.05 749,267.37 98.42915958%
6-PO 0.00000% 0.00 0.00 347,578.53 346,045.31 99.15054296%
1-SES 0.00000% 66,901,650.96 66,814,352.64 0.00 0.00 99.66213706%
2-SES 0.00000% 140,945,051.83 140,088,925.37 0.00 0.00 98.92316467%
3-SES 0.00000% 93,107,965.81 92,491,406.47 0.00 0.00 99.07941392%
4-SES 0.00000% 34,368,990.04 34,330,421.82 0.00 0.00 98.44643899%
5-SES 0.00000% 74,847,398.31 74,478,453.87 0.00 0.00 98.99558982%
6-SES 0.00000% 94,196,306.31 93,557,322.69 0.00 0.00 98.91447996%
CERTIFICATEHOLDER ACCOUNT STATEMENT
CERTIFICATE ACCOUNT
<s> <c>
Beginning Balance 0.00
Deposits
Payments of Interest and Principal 5,099,616.75
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 5,099,616.75
Withdrawals
Reimbursement for Servicer Advances 0.00
Payment of Service Fee 22,906.67
Payment of Interest and Principal 5,076,710.08
Total Withdrawals (Pool Distribution Amount) 5,099,616.75
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 21,015.28
Trustee Fee - Wells Fargo Bank, N.A. 1,891.39
Supported Prepayment/Curtailment Interest Shortfall 0.00
Net Servicing Fee 22,906.67
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
339,077.15 0.00 0.00 339,077.15
30 Days 40 1 0 0 41
4,850,783.23 283,278.93 0.00 0.00 5,134,062.16
60 Days 1 0 0 0 1
47,440.00 0.00 0.00 0.00 47,440.00
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 41 4 0 0 45
4,898,223.23 622,356.08 0.00 0.00 5,520,579.31
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 0.074092% 0.000000% 0.000000% 0.074092%
0.067465% 0.000000% 0.000000% 0.067465%
30 Days 0.987898% 0.024697% 0.000000% 0.000000% 1.012596%
0.965138% 0.056363% 0.000000% 0.000000% 1.021501%
60 Days 0.024697% 0.000000% 0.000000% 0.000000% 0.024697%
0.009439% 0.000000% 0.000000% 0.000000% 0.009439%
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 1.012596% 0.098790% 0.000000% 0.000000% 1.111386%
0.974577% 0.123827% 0.000000% 0.000000% 1.098405%
Delinquency Status By Groups
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
1 - 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 7 0 0 0 7
840,197.53 0.00 0.00 0.00 840,197.53
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 7 0 0 0 7
840,197.53 0.00 0.00 0.00 840,197.53
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 1.353965% 0.000000% 0.000000% 0.000000% 1.353965%
1.256207% 0.000000% 0.000000% 0.000000% 1.256207%
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 1.353965% 0.000000% 0.000000% 0.000000% 1.353965%
1.256207% 0.000000% 0.000000% 0.000000% 1.256207%
<caption>
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
2 - 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 7 0 0 0 7
926,291.38 0.00 0.00 0.00 926,291.38
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 7 0 0 0 7
926,291.38 0.00 0.00 0.00 926,291.38
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 0.603448% 0.000000% 0.000000% 0.000000% 0.603448%
0.660704% 0.000000% 0.000000% 0.000000% 0.660704%
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 0.603448% 0.000000% 0.000000% 0.000000% 0.603448%
0.660704% 0.000000% 0.000000% 0.000000% 0.660704%
<caption>
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
3 - 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 3 0 0 3
339,077.15 0.00 0.00 339,077.15
30 Days 5 1 0 0 6
901,848.28 283,278.93 0.00 0.00 1,185,127.21
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 5 4 0 0 9
901,848.28 622,356.08 0.00 0.00 1,524,204.36
0-29 Days 0.465839% 0.000000% 0.000000% 0.465839%
0.366302% 0.000000% 0.000000% 0.366302%
30 Days 0.776398% 0.155280% 0.000000% 0.000000% 0.931677%
0.974257% 0.306023% 0.000000% 0.000000% 1.280281%
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 0.776398% 0.621118% 0.000000% 0.000000% 1.397516%
0.974257% 0.672325% 0.000000% 0.000000% 1.646582%
<caption>
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
4 - 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 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>
5 - 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
276,174.02 0.00 0.00 0.00 276,174.02
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 3 0 0 0 3
276,174.02 0.00 0.00 0.00 276,174.02
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 0.465116% 0.000000% 0.000000% 0.000000% 0.465116%
0.369527% 0.000000% 0.000000% 0.000000% 0.369527%
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 0.465116% 0.000000% 0.000000% 0.000000% 0.465116%
0.369527% 0.000000% 0.000000% 0.000000% 0.369527%
<caption>
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
6 - 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 18 0 0 0 18
1,906,272.02 0.00 0.00 0.00 1,906,272.02
60 Days 1 0 0 0 1
47,440.00 0.00 0.00 0.00 47,440.00
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 19 0 0 0 19
1,953,712.02 0.00 0.00 0.00 1,953,712.02
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 1.778656% 0.000000% 0.000000% 0.000000% 1.778656%
2.031062% 0.000000% 0.000000% 0.000000% 2.031062%
60 Days 0.098814% 0.000000% 0.000000% 0.000000% 0.098814%
0.050546% 0.000000% 0.000000% 0.000000% 0.050546%
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 1.877470% 0.000000% 0.000000% 0.000000% 1.877470%
2.081608% 0.000000% 0.000000% 0.000000% 2.081608%
OTHER INFORMATION
<s> <c>
Current Period Class A Insufficient Funds 0.00
Principal Balance of Contaminated Properties 0.00
Periodic Advance 34,120.62
COLLATERAL STATEMENT
Collateral Description Mixed Fixed
Weighted Average Gross Coupon 5.924871%
Weighted Average Pass-Through Rate 5.670372%
Weighted Average Maturity(Stepdown Calculation ) 291
Beginning Scheduled Collateral Loan Count 4,061
Number Of Loans Paid In Full 12
Ending Scheduled Collateral Loan Count 4,049
Beginning Scheduled Collateral Balance 504,367,363.26
Ending Scheduled Collateral Balance 501,760,882.86
Ending Actual Collateral Balance at 31-Dec-2003 502,599,800.95
Monthly P &I Constant 3,500,475.18
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 4,838,693.57
Class AP Deferred Amount 0.00
Ending Scheduled Balance for Premium Loans 501,760,882.86
Scheduled Principal 1,010,215.65
Unscheduled Principal 1,596,264.75
Group Level Collateral Statement
Group 1 - 30 Year Fixed 2 - 30 Year Fixed 3 - 30 Year Fixed
Collateral Description Mixed Fixed Mixed Fixed Mixed Fixed
Weighted Average Coupon Rate 5.683182 6.495382 6.098191
Weighted Average Net Rate 5.433182 6.245382 5.848191
Weighted Average Maturity 346 352 351
Beginning Loan Count 517 1,166 648
Loans Paid In Full 0 6 4
Ending Loan Count 517 1,160 644
Beginning Scheduled Balance 66,901,650.96 140,945,051.83 93,107,965.81
Ending scheduled Balance 66,814,352.64 140,088,925.37 92,491,406.47
Record Date 12/31/2003 12/31/2003 12/31/2003
Principal And Interest Constant 395,735.50 899,238.87 570,964.10
Scheduled Principal 78,890.27 136,328.89 97,805.65
Unscheduled Principal 8,408.05 719,797.57 518,753.69
Scheduled Interest 316,845.23 762,909.98 473,158.45
Servicing Fees 13,937.85 29,363.55 19,397.50
Master Servicing Fees 0.00 0.00 0.00
Trustee Fee 250.88 528.54 349.15
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 302,656.50 733,017.89 453,411.80
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 5.428682 6.240882 5.843691
Group Level Collateral Statement
Group 4 - 30 Year Fixed 5 - 15 Year Fixed 6 - 15 Year Fixed
Collateral Description Mixed Fixed Mixed Fixed Mixed Fixed
Weighted Average Coupon Rate 6.180711 4.920878 5.775973
Weighted Average Net Rate 5.930711 4.670878 5.525973
Weighted Average Maturity 354 171 173
Beginning Loan Count 71 646 1,013
Loans Paid In Full 0 1 1
Ending Loan Count 71 645 1,012
Beginning Scheduled Balance 34,368,990.04 74,847,398.31 94,196,306.31
Ending scheduled Balance 34,330,421.82 74,478,453.87 93,557,322.69
Record Date 12/31/2003 12/31/2003 12/31/2003
Principal And Interest Constant 211,482.23 614,436.94 808,617.54
Scheduled Principal 34,461.56 307,507.85 355,221.43
Unscheduled Principal 4,106.66 61,436.59 283,762.19
Scheduled Interest 177,020.67 306,929.09 453,396.11
Servicing Fees 7,160.21 15,593.20 19,624.23
Master Servicing Fees 0.00 0.00 0.00
Trustee Fee 128.90 280.68 353.24
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 169,731.56 291,055.21 433,418.64
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 5.926211 4.666378 5.521473
Group Level Collateral Statement
Group Total
Collateral Description Mixed Fixed
Weighted Average Coupon Rate 5.924871
Weighted Average Net Rate 5.674871
Weighted Average Maturity 291.00
Record Date 12/31/2003
Principal And Interest Constant 3,500,475.18
Beginning Loan Count 4,061
Loans Paid In Full 12
Ending Loan Count 4,049
Beginning Scheduled Balance 504,367,363.26
Ending Scheduled Balance 501,760,882.86
Scheduled Principal 1,010,215.65
Unscheduled Principal 1,596,264.75
Scheduled Interest 2,490,259.53
Servicing Fee 105,076.54
Master Servicing Fee 0.00
Trustee Fee 1,891.39
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 2,383,291.60
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 5.670372
Miscellaneous Reporting
Group 1 - 30 Year Fixed
CPR 0.150887%
Subordinate % 5.192542%
Subordinate Prepayment % 0.000000%
Senior Prepayment % 100.000000%
Senior % 94.807458%
Group 2 - 30 Year Fixed
CPR 5.964697%
Subordinate % 5.095489%
Subordinate Prepayment % 0.000000%
Senior Prepayment % 100.000000%
Senior % 94.904511%
Group 3 - 30 Year Fixed
CPR 6.491326%
Subordinate % 5.149275%
Subordinate Prepayment % 0.000000%
Senior Prepayment % 100.000000%
Senior % 94.850725%
Miscellaneous Reporting
Group 4 - 30 Year Fixed
CPR 0.143434%
Subordinate % 5.152780%
Subordinate Prepayment % 0.000000%
Senior Prepayment % 100.000000%
Senior % 94.847220%
Group 5 - 15 Year Fixed
CPR 0.984582%
Subordinate % 2.275458%
Subordinate Prepayment % 0.000000%
Senior Prepayment % 100.000000%
Senior % 97.724542%
Group 6 - 15 Year Fixed
CPR 3.568886%
Subordinate % 2.260113%
Subordinate Prepayment % 0.000000%
Senior Prepayment % 100.000000%
Senior % 97.739887%
Group