EXHIBIT 99.3 Date: 02/03/2003 Client Distribution History Report Page 1 of 1 Date Range - From: 01/02/2002 to: 12/31/2002 Payable Date: September 25, 2002 - --------------------------------------------------- Client: 12828 Equity One ABS, Series 2002-4 - --------------------------------------------------- Pool Number Beginning Principal Interest Total Interest Series Cusip No. Prin Bal Paid Paid Distrib Adjustment af1 294751AZ5 94,523,052.02 2,738,473.99 158,694.44 2,897,168.43 0.00 af2 294751BA9 28,000,000.00 0.00 85,516.67 85,516.67 0.00 af3 294751BB7 20,000,000.00 0.00 76,666.67 76,666.67 0.00 af4 294751BCS 12,924,000.00 0.00 57,716.43 57,716.43 0.00 av1a 294751BD3 48,488,416.84 755,791.58 81,763.89 837,555.47 0.00 av1b 294751BH4 41,942,480.58 653,759.71 73,164.58 726,924.29 0.00 b 294751BG6 12,103,000.00 0.00 59,597.19 59,597.19 0.00 m1 294751BE1 19,668,000.00 0.00 85,572.19 85,572.19 0.00 m2 294751BF8 16,642,000.00 0.00 78,550.24 78,550.24 0.00 r 0.00 0.00 0.00 0.00 0.00 x 296,919,716.16 0.00 0.00 0.00 0.00 PAYABLE TOTALS: 4,148,025.28 757,242.30 4,905,267.58 0.00 GRAND TOTALS: 4,148,025.28 757,242.30 4,905,267.58 0.00 Pool Number Net Interest Ending Int@Mtg Servicer Series Distribution Other Prin Bal Rate Fee af1 158,694.44 0.00 97,261,526.01 0.00 0.00 af2 85,516.67 0.00 28,000,000.00 0.00 0.00 af3 76,666.67 0.00 20,000,000.00 0.00 0.00 af4 57,716.43 0.00 12,924,000.00 0.00 0.00 av1a 81,763.89 0.00 49,244,208.42 0.00 0.00 av1b 73,164.58 0.00 42,596,240.29 0.00 0.00 b 59,597.19 0.00 12,103,000.00 0.00 0.00 m1 85,572.19 0.00 19,668,000.00 0.00 0.00 m2 78,550.24 0.00 16,642,000.00 0.00 0.00 r 0.00 0.00 0.00 0.00 0.00 x 0.00 0.00 299,753,740.93 0.00 0.00 PAYABLE TOTALS: 757,242.30 0.00 598,192,715.65 0.00 0.00 GRAND TOTALS: 757,242.30 0.00 598,192,715.65 0.00 0.00 Date: 02/03/2003 Client Distribution History Report Page 1 of 1 Date Range - From: 01/02/2002 to: 12/31/2002 Payable Date: October 25, 2002 - --------------------------------------------------- Client: 12828 Equity One ABS, Series 2002-4 - --------------------------------------------------- Pool Number Beginning Principal Interest Total Interest Series Cusip No. Prin Bal Paid Paid Distrib Adjustment af1 294751AZ5 91,886,340.03 2,687,592.99 159,974.95 2,847,567.94 0.00 af2 294751 BA9 28,000,000.00 0.00 85,516.67 85,516.67 0.00 af3 294751BB7 20,000,000.00 0.00 76,666.67 76,666.67 0.00 af4 294751BC5 12,924,000.00 0.00 57,716.43 57,716.43 0.00 av1a 294751BD3 47,815,228.52 714,489.95 83,458.67 797,948.62 0.00 av1b 294751BH4 41,360,172.67 618,033.81 74,676.53 692,710.34 0.00 b 294751BG6 12,103,000.00 0.00 59,597.19 59,597.19 0.00 m1 294751BE1 19,668,000.00 0.00 85,572.19 85,572.19 0.00 m2 294751BF8 16,642,000.00 0.00 78,550.24 78,550.24 0.00 r 0.00 0.00 0.00 0.00 0.00 x 294,292,535.19 0.00 11.76 11.76 0.00 PAYABLE TOTALS: 4,020,116.75 761,741.30 4,781,858.05 0.00 GRAND TOTALS: 4,020,116.75 761,741.30 4,781,858.05 0.00 Pool Number Net Interest Ending Int@Mtg Servicer Series Distribution Other Prin Bal Rate Fee af1 159,974.95 0.00 94,573,933.02 0.00 0.00 af2 85,516.67 0.00 28,000,000.00 0.00 0.00 af3 76,666.67 0.00 20,000,000.00 0.00 0.00 af4 57,716.43 0.00 12,924,000.00 0.00 0.00 av1a 83,458.67 0.00 48,529,718.47 0.00 0.00 av1b 74,676.53 0.00 41,978,206.48 0.00 0.00 b 59,597.19 0.00 12,103,000.00 0.00 0.00 m1 85,572.19 0.00 19,668,000.00 0.00 0.00 m2 78,550.24 0.00 16,642,000.00 0.00 0.00 r 0.00 0.00 0.00 0.00 0.00 x 11.76 0.00 297,023,138.06 0.00 0.00 PAYABLE TOTALS: 761,741.30 0.00 591,441,996.03 0.00 0.00 GRAND TOTALS: 761,741.30 0.00 591,441,996.03 0.00 0.00 Date: 02/03/2003 Client Distribution History Report Page 1 of 1 Date Range - From: 01/02/2002 to: 12/31/2002 Payable Date: November 25, 2002 - --------------------------------------------------- Client: 12828 Equity One ABS, Series 2002-4 - --------------------------------------------------- Pool Number Beginning Principal Interest Total Interest Series Cusip No. Prin Bal Paid Paid Distrib Adjustment af1 294751AZ5 94,573,933.02 3,666,503.42 162,062.94 3,828,566.36 0.00 af2 294751BA9 28,000,000.00 0.00 85,516.67 85,516.67 0.00 af3 294751BB7 20,000,000.00 0.00 76,666.67 76,666.67 0.00 af4 294751BC5 12,924,000.00 0.00 57,716.43 57,716.43 0.00 av1a 294751BD3 48,529,718.47 1,120,953.66 85,668.43 1,206,622.09 0.00 av1b 294751BH4 41,978,206.48 969,624.92 76,633.55 1,046,258.47 0.00 b 294751BG6 12,103,000.00 0.00 59,597.19 59,597.19 0.00 m1 294751BE1 19,668,000.00 0.00 85,572.19 85,572.19 0.00 m2 294751BF8 16,642,000.00 0.00 78,550.24 78,550.24 0.00 r 0.00 0.00 0.00 0.00 0.00 x 292,529,074.36 0.00 12.09 12.09 0.00 PAYABLE TOTALS: 5,757,082.00 767,996.40 6,525,078.40 0.00 GRAND TOTALS: 5,757,082.00 767,996.40 6,525,078.40 0.00 Pool Number Net Interest Ending Int@Mtg Servicer Series Distribution Other Prin Bal Rate Fee af1 162,062.94 0.00 90,907,429.60 0.00 0.00 af2 85,516.67 0.00 28,000,000.00 0.00 0.00 af3 76,666.67 0.00 20,000,000.00 0.00 0.00 af4 57,716.43 0.00 12,924,000.00 0.00 0.00 av1a 85,668.43 0.00 47,408,764.81 0.00 0.00 av1b 76,633.55 0.00 41,008,581.56 0.00 0.00 b 59,597.19 0.00 12,103,000.00 0.00 0.00 m1 85,572.19 0.00 19,668,000.00 0.00 0.00 m2 78,550.24 0.00 16,642,000.00 0.00 0.00 r 0.00 0.00 0.00 0.00 0.00 x 12.09 0.00 292,529,074.36 0.00 0.00 PAYABLE TOTALS: 767,996.40 0.00 581,190,850.33 0.00 0.00 GRAND TOTALS: 767,996.40 0.00 581,190,850.33 0.00 0.00 Date: 02/03/2003 Client Distribution History Report Page 1 of 1 Date Range - From: 01/02/2002 to: 12/31/2002 Payable Date: December 26, 2002 - --------------------------------------------------- Client: 12828 Equity One ABS, Series 2002-4 - --------------------------------------------------- Pool Number Beginning Principal Interest Total Interest Series Cusip No. Prin Bal Paid Paid Distrib Adjustment af1 294751AZ5 90,907,429.60 3,987,142.54 120,553.35 4,107,695.89 0.00 af2 294751BA9 28,000,000.00 0.00 85,516.67 85,516.67 0.00 af3 294751BB7 20,000,000.00 0.00 76,666.67 76,666.67 0.00 af4 294751BCS 12,924,000.00 0.00 57,716.43 57,716.43 0.00 av1a 294751BD3 47,408,764.81 661,697.56 65,318.74 727,016.30 0.00 av1b 294751BH4 41,008,581.56 572,368.39 58,972.62 631,341.01 0.00 b 294751BG6 12,103,000.00 0.00 59,597.19 59,597.19 0.00 m1 294751BE1 19,668,000.00 0.00 85,572.19 85,572.19 0.00 m2 294751BF8 16,642,000.00 0.00 78,550.24 78,550.24 0.00 r 0.00 0.00 0.00 0.00 0.00 x 292,529,074.36 0.00 10.21 10.21 0.00 PAYABLE TOTALS: 5,221,208.49 688,474.31 5,909,682.80 0.00 GRAND TOTALS: 5,221,208.49 688,474.31 5,909,682.80 0.00 Pool Number Net Interest Ending Int@Mtg Servicer Series Distribution Other Prin Bal Rate Fee af1 120,553.35 0.00 86,920,287.06 0.00 0.00 af2 85,516.67 0.00 28,000,000.00 0.00 0.00 af3 76,666.67 0.00 20,000,000.00 0.00 0.00 af4 57,716.43 0.00 12,924,000.00 0.00 0.00 av1a 65,318.74 0.00 46,747,067.25 0.00 0.00 av1b 58,972.62 0.00 40,436,213.17 0.00 0.00 b 59,597.19 0.00 12,103,000.00 0.00 0.00 m1 85,572.19 0.00 19,668,000.00 0.00 0.00 m2 78,550.24 0.00 16,642,000.00 0.00 0.00 r 0.00 0.00 0.00 0.00 0.00 x 10.21 0.00 288,619,401.88 0.00 0.00 PAYABLE TOTALS: 688,474.31 0.00 572,059,969.36 0.00 0.00 GRAND TOTALS: 688,474.31 0.00 572,059,969.36 0.00 0.00