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): October 27, 2003
FREMONT HOME LOAN TRUST
Asset Backed Certificates, Series 2003-A Trust
(Exact name of registrant as specified in its charter)
New York (governing law of 333-104153-08 54-2123741
Pooling and Servicing Agreement) (Commission 54-2123742
(State or other File Number) IRS EIN
jurisdiction
of Incorporation)
c/o Wells Fargo Bank, N.A.
9062 Old Annapolis Road
Columbia, Maryland 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 October 27, 2003,
a revision was made to the FREMONT HOME LOAN TRUST, Asset Backed Certificates,
Series 2003-A Trust 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., 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 Asset Backed Certificates, Series 2003-A
Trust, relating to the October 27, 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.
FREMONT HOME LOAN TRUST
Asset Backed Certificates, Series 2003-A Trust
(Registrant)
By: Wells Fargo Bank, N.A. as Trust Administrator
By: /s/ Beth Belfield as Assistant Vice President
By: Beth Belfield as Assistant Vice President
Date: 4/20/2005
INDEX TO EXHIBITS
Exhibit Number Description
EX-99.1 Amended monthly report distributed to holders of Asset
Backed Certificates, Series 2003-A Trust, relating to
the October 27, 2003 distribution.
EX-99.1
Fremont Home Loan Trust
Asset Backed Certificates
Record Date: 9/30/2003
Distribution Date: 10/27/2003
Fremont Home Loan Trust
Asset Backed Certificates
Series 2003-A
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 35729PBH2 SEN 1.47000% 293,356,256.50 383,318.84 2,368,640.62
2 A-1 35729PBJ8 SEN 1.25000% 40,535,917.15 45,039.91 512,905.14
2 A-2 35729PBK5 SEN 1.47500% 122,168,000.00 160,175.82 0.00
M-1 35729PBL3 MEZ 1.77000% 36,502,000.00 57,429.81 0.00
M-2 35729PBM1 MEZ 2.84500% 26,675,000.00 67,458.11 0.00
M-3 35729PBN9 MEZ 3.17000% 8,424,000.00 23,736.96 0.00
M-4 35729PBP4 MEZ 4.22000% 5,616,000.00 21,066.24 0.00
M-5 35729PBQ2 MEZ 5.12000% 12,635,000.00 57,503.29 0.00
C FOM0300AC OC 0.00000% 12,634,766.24 2,385,758.63 0.00
P FOM0300AP PrePay 0.00000% 100.00 36,677.88 0.00
R-1 FOM030AR1 RES 0.00000% 0.00 0.00 0.00
R-2 FOM030AR2 RES 0.00000% 0.00 0.00 0.00
Totals 558,547,039.89 3,238,165.49 2,881,545.76
Certificateholder Distribution Summary (continued)
Current Ending Cumulative
Realized Certificate Total Realized
Class Loss Balance Distribution Losses
<s> <c> <c> <c> <c>
1 A-1 0.00 290,987,615.88 2,751,959.46 0.00
2 A-1 0.00 40,023,012.01 557,945.05 0.00
2 A-2 0.00 122,168,000.00 160,175.82 0.00
M-1 0.00 36,502,000.00 57,429.81 0.00
M-2 0.00 26,675,000.00 67,458.11 0.00
M-3 0.00 8,424,000.00 23,736.96 0.00
M-4 0.00 5,616,000.00 21,066.24 0.00
M-5 0.00 12,635,000.00 57,503.29 0.00
C 0.00 12,634,766.24 2,385,758.63 0.00
P 0.00 100.00 36,677.88 0.00
R-1 0.00 0.00 0.00 0.00
R-2 0.00 0.00 0.00 0.00
Totals 0.00 555,665,494.13 6,119,711.25 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-1 294,422,000.00 293,356,256.50 0.00 2,368,640.62 0.00 0.00
2 A-1 42,500,000.00 40,535,917.15 0.00 512,905.14 0.00 0.00
2 A-2 122,168,000.00 122,168,000.00 0.00 0.00 0.00 0.00
M-1 36,502,000.00 36,502,000.00 0.00 0.00 0.00 0.00
M-2 26,675,000.00 26,675,000.00 0.00 0.00 0.00 0.00
M-3 8,424,000.00 8,424,000.00 0.00 0.00 0.00 0.00
M-4 5,616,000.00 5,616,000.00 0.00 0.00 0.00 0.00
M-5 12,635,000.00 12,635,000.00 0.00 0.00 0.00 0.00
C 12,634,766.24 12,634,766.24 0.00 0.00 0.00 0.00
P 100.00 100.00 0.00 0.00 0.00 0.00
R-1 0.00 0.00 0.00 0.00 0.00 0.00
R-2 0.00 0.00 0.00 0.00 0.00 0.00
Totals 561,576,866.24 558,547,039.89 0.00 2,881,545.76 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 A-1 2,368,640.62 290,987,615.88 0.98833516 2,368,640.62
2 A-1 512,905.14 40,023,012.01 0.94171793 512,905.14
2 A-2 0.00 122,168,000.00 1.00000000 0.00
M-1 0.00 36,502,000.00 1.00000000 0.00
M-2 0.00 26,675,000.00 1.00000000 0.00
M-3 0.00 8,424,000.00 1.00000000 0.00
M-4 0.00 5,616,000.00 1.00000000 0.00
M-5 0.00 12,635,000.00 1.00000000 0.00
C 0.00 12,634,766.24 1.00000000 0.00
P 0.00 100.00 1.00000000 0.00
R-1 0.00 0.00 0.00000000 0.00
R-2 0.00 0.00 0.00000000 0.00
Totals 2,881,545.76 555,665,494.13 0.98947362 2,881,545.76
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-1 294,422,000.00 996.38021785 0.00000000 8.04505309 0.00000000
2 A-1 42,500,000.00 953.78628588 0.00000000 12.06835624 0.00000000
2 A-2 122,168,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
M-1 36,502,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
M-2 26,675,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
M-3 8,424,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
M-4 5,616,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
M-5 12,635,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
C 12,634,766.24 1000.00000000 0.00000000 0.00000000 0.00000000
P 100.00 1000.00000000 0.00000000 0.00000000 0.00000000
R-1 0.00 0.00000000 0.00000000 0.00000000 0.00000000
R-2 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 8.04505309 988.33516476 0.98833516 8.04505309
2 A-1 0.00000000 12.06835624 941.71792965 0.94171793 12.06835624
2 A-2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
M-1 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
M-2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
M-3 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
M-4 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
M-5 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
C 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
P 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
R-1 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
R-2 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-1 294,422,000.00 1.47000% 293,356,256.50 383,318.84 0.00 0.00
2 A-1 42,500,000.00 1.25000% 40,535,917.15 45,039.91 0.00 0.00
2 A-2 122,168,000.00 1.47500% 122,168,000.00 160,175.82 0.00 0.00
M-1 36,502,000.00 1.77000% 36,502,000.00 57,429.81 0.00 0.00
M-2 26,675,000.00 2.84500% 26,675,000.00 67,458.11 0.00 0.00
M-3 8,424,000.00 3.17000% 8,424,000.00 23,736.96 0.00 0.00
M-4 5,616,000.00 4.22000% 5,616,000.00 21,066.24 0.00 0.00
M-5 12,635,000.00 5.12000% 12,635,000.00 57,503.29 0.00 0.00
C 12,634,766.24 0.00000% 12,634,766.24 0.00 0.00 0.00
P 100.00 0.00000% 100.00 0.00 0.00 0.00
R-1 0.00 0.00000% 0.00 0.00 0.00 0.00
R-2 0.00 0.00000% 0.00 0.00 0.00 0.00
Totals 561,576,866.24 815,728.98 0.00 0.00
Interest Distribution Statement (continued)
Remaining Ending
Non-Supported Total Unpaid Certificate/
Interest Realized Interest Interest Notional
Class Shortfall Losses (4) Distribution Shortfall Balance
<s> <c> <c> <c> <c> <c>
1 A-1 0.00 0.00 383,318.84 0.00 290,987,615.88
2 A-1 0.00 0.00 45,039.91 0.00 40,023,012.01
2 A-2 0.00 0.00 160,175.82 0.00 122,168,000.00
M-1 0.00 0.00 57,429.81 0.00 36,502,000.00
M-2 0.00 0.00 67,458.11 0.00 26,675,000.00
M-3 0.00 0.00 23,736.96 0.00 8,424,000.00
M-4 0.00 0.00 21,066.24 0.00 5,616,000.00
M-5 0.00 0.00 57,503.29 0.00 12,635,000.00
C 0.00 0.00 2,385,758.63 0.00 12,634,766.24
P 0.00 0.00 36,677.88 0.00 100.00
R-1 0.00 0.00 0.00 0.00 0.00
R-2 0.00 0.00 0.00 0.00 0.00
Totals 0.00 0.00 3,238,165.49 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-1 294,422,000.00 1.47000% 996.38021785 1.30193681 0.00000000 0.00000000
2 A-1 42,500,000.00 1.25000% 953.78628588 1.05976259 0.00000000 0.00000000
2 A-2 122,168,000.00 1.47500% 1000.00000000 1.31111109 0.00000000 0.00000000
M-1 36,502,000.00 1.77000% 1000.00000000 1.57333324 0.00000000 0.00000000
M-2 26,675,000.00 2.84500% 1000.00000000 2.52888885 0.00000000 0.00000000
M-3 8,424,000.00 3.17000% 1000.00000000 2.81777778 0.00000000 0.00000000
M-4 5,616,000.00 4.22000% 1000.00000000 3.75111111 0.00000000 0.00000000
M-5 12,635,000.00 5.12000% 1000.00000000 4.55111120 0.00000000 0.00000000
C 12,634,766.24 0.00000% 1000.00000000 0.00000000 0.00000000 0.00000000
P 100.00 0.00000% 1000.00000000 0.00000000 0.00000000 0.00000000
R-1 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000
R-2 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000
<FN>
(5) All Classes are per $1,000 denomination.
</FN>
Interest Distribution Factors Statement (continued)
Remaining Ending
Non-Supported Total Unpaid Certificate/
Interest Realized Interest Interest Notional
Class Shortfall Losses (6) Distribution Shortfall Balance
<s> <c> <c> <c> <c> <c>
1 A-1 0.00000000 0.00000000 1.30193681 0.00000000 988.33516476
2 A-1 0.00000000 0.00000000 1.05976259 0.00000000 941.71792965
2 A-2 0.00000000 0.00000000 1.31111109 0.00000000 1000.00000000
M-1 0.00000000 0.00000000 1.57333324 0.00000000 1000.00000000
M-2 0.00000000 0.00000000 2.52888885 0.00000000 1000.00000000
M-3 0.00000000 0.00000000 2.81777778 0.00000000 1000.00000000
M-4 0.00000000 0.00000000 3.75111111 0.00000000 1000.00000000
M-5 0.00000000 0.00000000 4.55111120 0.00000000 1000.00000000
C 0.00000000 0.00000000 188.82491252 0.00000000 1000.00000000
P 0.00000000 0.00000000 366778.80000000 0.00000000 1000.00000000
R-1 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
R-2 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
<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 ACCOUNT STATEMENT
CERTIFICATE ACCOUNT
<s> <c>
Beginning Balance 0.00
Deposits
Payments of Interest and Principal 6,320,415.89
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 36,677.88
Total Deposits 6,357,093.77
Withdrawals
Reimbursement for Servicer Advances 0.00
Payment of Service Fee 237,382.52
Payment of Interest and Principal 6,119,711.25
Total Withdrawals (Pool Distribution Amount) 6,357,093.77
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 228,073.36
Master Servicing 4,654.58
Trust Administration 4,654.58
Supported Prepayment/Curtailment Interest Shortfall 0.00
Net Servicing Fee 237,382.52
OTHER ACCOUNTS
Beginning Current Current Ending
Account Type Balance Withdrawals Deposits Balance
<s> <c> <c> <c> <c>
Reserve Fund 1,000.00 0.00 0.00 1,000.00
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 5 0 0 5
1,012,754.70 0.00 0.00 1,012,754.70
30 Days 3 0 0 0 3
575,431.99 0.00 0.00 0.00 575,431.99
60 Days 0 0 4 0 4
0.00 0.00 409,337.17 0.00 409,337.17
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 5 4 0 12
575,431.99 1,012,754.70 409,337.17 0.00 1,997,523.86
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 0.174034% 0.000000% 0.000000% 0.174034%
0.182126% 0.000000% 0.000000% 0.182126%
30 Days 0.104420% 0.000000% 0.000000% 0.000000% 0.104420%
0.103481% 0.000000% 0.000000% 0.000000% 0.103481%
60 Days 0.000000% 0.000000% 0.139227% 0.000000% 0.139227%
0.000000% 0.000000% 0.073612% 0.000000% 0.073612%
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 0.104420% 0.174034% 0.139227% 0.000000% 0.417682%
0.103481% 0.182126% 0.073612% 0.000000% 0.359219%
OTHER INFORMATION
<s> <c>
Current Period Class A Insufficient Funds 0.00
Principal Balance of Contaminated Properties 0.00
Periodic Advance 0.00
COLLATERAL STATEMENT
Collateral Description Mixed Fixed & Arm
Weighted Average Gross Coupon 7.388264%
Weighted Average Net Coupon 6.898264%
Weighted Average Pass-Through Rate 6.878264%
Weighted Average Maturity (Stepdown Calculation) 353
Beginning Scheduled Collateral Loan Count 2,887
Number Of Loans Paid In Full 14
Ending Scheduled Collateral Loan Count 2,873
Beginning Scheduled Collateral Balance 558,547,039.89
Ending Scheduled Collateral Balance 555,665,494.13
Ending Actual Collateral Balance at 30-Sep-2003 556,074,366.73
Monthly P&I Constant 3,898,336.36
Special Servicing Fee 0.00
Prepayment Penalties 36,677.88
Realized Loss Amount 0.00
Cumulative Realized Loss 0.00
Ending Scheduled Balance for Premium Loans 555,665,494.13
Scheduled Principal 459,425.63
Unscheduled Principal 2,422,120.13
Miscellaneous Reporting
Group 1 Credit Enhancement 18.443968%
Group 2 Credit Enhancement 18.348816%
Excess Cash Amount 2,385,758.63
Extra Principal Amount 0.00
Overcollateralization Amount 12,634,766.24
Overcollateralization Deficiency Amount 0.00
Overcollateralization Release Amount 0.00
Target Overcollateralization Amount 12,634,766.24
Step Down Date NO
Trigger Event NO
Yield Maintenance Payment 0.00
Group Level Collateral Statement
Group Group 1 Group 2 Group 3
Collateral Description Mixed Fixed Mixed ARM Mixed Fixed
Weighted Average Coupon Rate 7.054351 7.575746 6.806489
Weighted Average Net Rate 6.564351 7.085746 6.316489
Weighted Average Maturity 349 356 341
Beginning Loan Count 580 1,447 237
Loans Paid In Full 2 9 0
Ending Loan Count 578 1,438 237
Beginning Scheduled Balance 105,489,739.46 253,592,846.70 65,084,248.72
Ending scheduled Balance 105,049,309.16 251,664,636.38 65,014,187.63
Record Date 09/30/2003 09/30/2003 09/30/2003
Principal And Interest Constant 716,200.38 1,795,382.07 435,162.81
Scheduled Principal 96,065.66 194,419.61 66,000.13
Unscheduled Principal 344,364.64 1,733,790.71 4,060.96
Scheduled Interest 620,134.72 1,600,962.46 369,162.68
Servicing Fees 43,074.98 103,550.42 26,576.05
Master Servicing Fees 879.07 2,113.27 542.38
Trustee Fee 0.00 0.00 0.00
FRY Amount 0.00 0.00 0.00
Special Hazard Fee 0.00 0.00 0.00
Other Fee 879.07 2,113.27 542.38
Pool Insurance Fee 0.00 0.00 0.00
Spread 1 0.00 0.00 0.00
Spread 2 0.00 0.00 0.00
Spread 3 0.00 0.00 0.00
Net Interest 577,059.81 1,497,412.03 342,586.69
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 30,184.20 0.00 6,493.68
Special Servicing Fee 0.00 0.00 0.00
Pass-Through Rate 6.544351 7.065746 6.296489
Group Level Collateral Statement
Group Group 4 Total
Collateral Description Mixed ARM Mixed Fixed & Arm
Weighted Average Coupon Rate 7.578356 7.388264
Weighted Average Net Rate 7.088356 6.898264
Weighted Average Maturity 356 353
Beginning Loan Count 623 2,887
Loans Paid In Full 3 14
Ending Loan Count 620 2,873
Beginning Scheduled Balance 134,380,205.01 558,547,039.89
Ending scheduled Balance 133,937,360.96 555,665,494.13
Record Date 09/30/2003 09/30/2003
Principal And Interest Constant 951,591.10 3,898,336.36
Scheduled Principal 102,940.23 459,425.63
Unscheduled Principal 339,903.82 2,422,120.13
Scheduled Interest 848,650.87 3,438,910.73
Servicing Fees 54,871.91 228,073.36
Master Servicing Fees 1,119.86 4,654.58
Trustee Fee 0.00 0.00
FRY Amount 0.00 0.00
Special Hazard Fee 0.00 0.00
Other Fee 1,119.86 4,654.58
Pool Insurance Fee 0.00 0.00
Spread 1 0.00 0.00
Spread 2 0.00 0.00
Spread 3 0.00 0.00
Net Interest 793,779.04 3,210,837.57
Realized Loss Amount 0.00 0.00
Cumulative Realized Loss 0.00 0.00
Percentage of Cumulative Losses 0.0000 0.0000
Prepayment Penalties 0.00 36,677.88
Special Servicing Fee 0.00 0.00
Pass-Through Rate 7.068356 6.878264