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