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EX-10.1 3 f88843exv10w1.htm EXHIBIT 10.1 exv10w1

EXHIBIT 10.1

Contact: Customer Services — CTSLink
Wells Fargo Bank Minnesota, N.A.
Securities Administration Services
7485 New Horizon Way
Frederick, MD 21703
www.ctslink.com
Telephone: (301) ###-###-####
Fax: (301) ###-###-####

FRB SERIES 2002-FRB2

Record Date: February 28, 2003
Distribution Date: March 17, 2003

Certificateholder Distribution Summary


				Certificate Class	Certificate			Beginning		Interest
Class			CUSIP	Description	Pass-Through Rate			Certificate Balance		Distribution

	A-1		336161BT0	SEN		3.98600	%		58,086,060.25		192,942.53
	A-2		336161BU7	SEN		1.74000	%		306,149,168.30		442,466.29
	A-R		336161BW3	SEN		4.88756	%		0.00		0.00
	B-1		336161BX1	SUB		2.39000	%		3,799,000.00		7,566.34
	B-2		336161BY9	SUB		3.16923	%		1,519,000.00		4,011.72
	B-3		336161BZ6	SUB		3.16923	%		2,279,000.00		6,018.89
	B-4		336161CA0	SUB		3.16923	%		1,519,000.00		4,011.72
	B-5		336161CB8	SUB		3.16923	%		1,139,000.00		3,008.13
	B-6		336161CC6	SUB		3.16923	%		1,146,346.99		3,027.53
		X	336161BV5	SEN		1.04967	%		0.00		327,702.53

Totals									374,636,575.54		990,755.68

[Additional columns below]

[Continued from above table, first column(s) repeated]


			Principal		Current Realized		Ending Certificate				Cumulative Realized
Class			Distribution		Loss		Balance		Total Distribution		Loss

	A-1			623,632.56		0.00		57,462,427.69		816,575.09		0.00
	A-2			414,153.22		0.00		304,735,015.08		856,619.51		0.00
	A-R			0.00		0.00		0.00		0.00		0.00
	B-1			0.00		0.00		3,799,000.00		7,566.34		0.00
	B-2			0.00		0.00		1,519,000.00		4,011.72		0.00
	B-3			0.00		0.00		2,279,000.00		6,018.89		0.00
	B-4			0.00		0.00		1,519,000.00		4,011.72		0.00
	B-5			0.00		0.00		1,139,000.00		3,008.13		0.00
	B-6			0.00		0.00		1,146,346.99		3,027.53		0.00
		X		0.00		0.00		0.00		327,702.53		0.00

Totals				1,037,785.78		0.00		373,598,789.76		2,028,541.46		0.00

All distributions required by the Pooling and Servicing Agreement have been calculated by the Certificate Administrator on behalf of the Trustee.


Principal Distribution Statement

									Unscheduled
					Beginning		Scheduled Principal		Principal
Class			Original Face Amount		Certificate Balance		Distribution		Distribution		Accretion

	A-1			58,144,000.00		58,086,060.25		7,384.54		616,248.02		0.00
	A-2			310,464,000.00		305,149,168.30		34,471.67		379,681.55		0.00
	A-R			100.00		0.00		0.00		0.00		0.00
	B-1			3,799,000.00		3,799,000.00		0.00		0.00		0.00
	B-2			1,519,000.00		1,519,000.00		0.00		0.00		0.00
	B-3			2,279,000.00		2,279,000.00		0.00		0.00		0.00
	B-4			1,519,000.00		1,519,000.00		0.00		0.00		0.00
	B-5			1,139,000.00		1,139,000.00		0.00		0.00		0.00
	B-6			1,146,346.99		1,146,346.99		0.00		0.00		0.00
		X		0.00		0.00		0.00		0.00		0.00

Totals				380,009,446.99		374,636,575.54		41,856.21		995,929.57		0.00

[Additional columns below]

[Continued from above table, first column(s) repeated]


Principal Distribution Statement

			Realized		Total Principal		Ending Certificate		Ending Certificate		Total Principal
Class			Loss (1)		Reduction		Balance		Percentage		Distribution

	A-1			0.00		623,632.56		57,462,427.69		0.98827786		623,632.56
	A-2			0.00		414,153.22		304,735,015.08		0.98154702		414,153.22
	A-R			0.00		0.00		0.00		0.00000000		0.00
	B-1			0.00		0.00		3,799,000.00		1.00000000		0.00
	B-2			0.00		0.00		1,519,000.00		1.00000000		0.00
	B-3			0.00		0.00		2,279,000.00		1.00000000		0.00
	B-4			0.00		0.00		1,519,000.00		1.00000000		0.00
	B-5			0.00		0.00		1,139,000.00		1.00000000		0.00
	B-6			0.00		0.00		1,146,346.99		1.00000000		0.00
		X		0.00		0.00		0.00		0.00000000		0.00

Totals				0.00		1,037,785.78		373,598,789.76				1,037,785.78

(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.


Principal Distribution Factors Statement

									Unscheduled
					Beginning		Scheduled Principal		Principal
Class(2)			Original Face Amount		Certificate Balance		Distribution		Distribution		Accretion

	A-1			58,144,000.00		999.00351283		0.12700433		10.59865197		0.00000000
	A-2			310,464,000.00		982.88100488		0.11103274		1.22294872		0.00000000
	A-R			100.00		0.00000000		0.00000000		0.00000000		0.00000000
	B-1			3,799,000.00		1000.00000000		0.00000000		0.00000000		0.00000000
	B-2			1,519,000.00		1000.00000000		0.00000000		0.00000000		0.00000000
	B-3			2,279,000.00		1000.00000000		0.00000000		0.00000000		0.00000000
	B-4			1,159,000.00		1000.00000000		0.00000000		0.00000000		0.00000000
	B-5			1,139,000.00		1000.00000000		0.00000000		0.00000000		0.00000000
	B-6			1,146,346.99		1000.00000000		0.00000000		0.00000000		0.00000000
		X		0.00		0.00000000		0.00000000		0.00000000		0.00000000

[Additional columns below]

[Continued from above table, first column(s) repeated]


Principal Distribution Factors Statement

			Realized		Total Principal		Ending Certificate		Ending Certificate		Total Principal
Class(2)			Loss (3)		Reduction		Balance		Percentage		Distribution

	A-1			0.00000000		10.72565630		988.27785653		0.98827786		10.72565630
	A-2			0.00000000		1.33398146		981.54702342		0.98154702		1.33398146
	A-R			0.00000000		0.00000000		0.00000000		0.00000000		0.00000000
	B-1			0.00000000		0.00000000		1000.00000000		1.00000000		0.00000000
	B-2			0.00000000		0.00000000		1000.00000000		1.00000000		0.00000000
	B-3			0.00000000		0.00000000		1000.00000000		1.00000000		0.00000000
	B-4			0.00000000		0.00000000		1000.00000000		1.00000000		0.00000000
	B-5			0.00000000		0.00000000		1000.00000000		1.00000000		0.00000000
	B-6			0.00000000		0.00000000		1000.00000000		1.00000000		0.00000000
		X		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000

(2)		Per $1,000 denomination.

(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.


Interest Distribution Statement

								Beginning
					Current Certificate			Certificate/		Current Accrued		Payment of Unpaid		Current Interest
Class			Original Face Amount		Rate			Notional Balance		Interest		Interest Shortfall		Shortfall

	A-1			58,144,000.00		3.98600	%		58,086,060.25		192,942.53		0.00		0.00
	A-2			310,464,000.00		1.74000	%		305,149,168.30		442,466.29		0.00		0.00
	A-R			100.00		4.88756	%		0.00		0.00		0.00		0.00
	B-1			3,799,000.00		2.39000	%		3,799,000.00		7,566.34		0.00		0.00
	B-2			1,519,000.00		3.16923	%		1,519,000.00		4,011.72		0.00		0.00
	B-3			2,279,000.00		3.16923	%		2,279,000.00		6,018.89		0.00		0.00
	B-4			1,519,000.00		3.16923	%		1,519,000.00		4,011.72		0.00		0.00
	B-5			1,139,000.00		3.16923	%		1,139,000.00		3,008.13		0.00		0.00
	B-6			1,146,346.99		3.16923	%		1,146,346.99		3,027.53		0.00		0.00
		X		0.00		1.04967	%		374,636,575.56		327,702,53		0.00		0.00

Totals				380,009,446.99							990,755.68		0.00		0.00

[Additional columns below]

[Continued from above table, first column(s) repeated]


Interest Distribution Statement

			Non-Supported		Realized		Total Interest			Remaining Unpaid	Ending Certificate/
Class			Interest Shortfall		Loss (4)		Distribution			Interest Shortfall	Notational Balance

	A-1			0.00		0.00		192,942.53	0.00		57,462,427.69
	A-2			0.00		0.00		442,466.29	0.00		304,735,015.08
	A-R			0.00		0.00		0.00	0.00		0.00
	B-1			0.00		0.00		7,566.34	0.00		3,799,000.00
	B-2			0.00		0.00		4,011.72	0.00		1,519,000.00
	B-3			0.00		0.00		6,018.89	0.00		2,279,000.00
	B-4			0.00		0.00		4,011.72	0.00		1,519,000.00
	B-5			0.00		0.00		3,008.13	0.00		1,139,000.00
	B-6			0.00		0.00		3,027.53	0.00		1,146,346.99
		X		0.00		0.00		327,702.53	0.00		373,598,789.78

Totals				0.00		0.00		990,755.68	0.00

(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.


Interest Distribution Factors Statement

								Beginning
					Current Certificate			Certificate/		Current Accrued		Payment of Unpaid
Class (5)			Original Face Amount		Rate			Notional Balance		Interest		Interest Shortfall

	A-1			58,144,000.00		3.98600	%		999.00351283		3.31835667		0.00000000
	A-2			310,464,000.00		1.74000	%		982.88100488		1.42517744		0.00000000
	A-R			100.00		4.88756	%		0.00000000		0.00000000		0.00000000
	B-1			3,799,000.00		2.39000	%		1000.00000000		1.99166623		0.00000000
	B-2			1,519,000.00		3.16923	%		1000.00000000		2.64102699		0.00000000
	B-3			2,279,000.00		3.16923	%		1000.00000000		2.64102238		0.00000000
	B-4			1,519,000.00		3.16923	%		1000.00000000		2.64102699		0.00000000
	B-5			1,139,000.00		3.16923	%		1000.00000000		2.64102722		0.00000000
	B-6			1,146,346.99		3.16923	%		1000.00000000		2.64102408		0.00000000
		X		0.00		1.04967	%		985.86121616		0.86235364		0.00000000

[Additional columns below]

[Continued from above table, first column(s) repeated]


Interest Distribution Factors Statement

			Current Interest		Non-Supported		Realized		Total Interest		Remaining Unpaid		Ending Certificate/
Class (5)			Shortfall		Interest Shortfall		Loss (6)		Distribution		Interest Shortfall		Notational Balance

	A-1			0.00000000		0.00000000		0.00000000		3.31835667		0.00000000		988.27785653
	A-2			0.00000000		0.00000000		0.00000000		1.42517744		0.00000000		981.54702342
	A-R			0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000
	B-1			0.00000000		0.00000000		0.00000000		1.99166623		0.00000000		1000.00000000
	B-2			0.00000000		0.00000000		0.00000000		2.64102699		0.00000000		1000.00000000
	B-3			0.00000000		0.00000000		0.00000000		2.64102238		0.00000000		1000.00000000
	B-4			0.00000000		0.00000000		0.00000000		2.64102699		0.00000000		1000.00000000
	B-5			0.00000000		0.00000000		0.00000000		2.64102722		0.00000000		1000.00000000
	B-6			0.00000000		0.00000000		0.00000000		2.64102408		0.00000000		1000.00000000
		X		0.00000000		0.00000000		0.00000000		0.86235364		0.00000000		981.13026884

(5)

Per $1 denomination (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.

Certificateholder Account Statement

Certificate Account


Beginning Balance		0.00
Deposits
	Payments of Interest and Principal	2,123,761.57
	Liquidations, Insurance Proceeds, Reserve Funds	0.00
	Proceeds from Repurchased Loans	0.00
	Other Amounts (Servicer Advances)	0.00
	Realized Losses	0.00
	Prepayment Penalties	0.00

Total Deposits		2,123,761.57
Withdrawals
	Reimbursement for Servicer Advances	0.00
	Payment of Service Fee	95,220.11
	Payment of Interest and Principal	2,028,541.46

Total Withdrawals (Pool Distribution Amount)		2,123,761.57
Ending Balance		0.00

Prepayment/Curtailment Interest Shortfall


Total Prepayment/Curtailment Interest Shortfall			0.00
Servicing Fee Support			0.00

Non-Supported Prepayment Curtailment Interest Shortfall			0.00

Servicing Fees


Gross Servicing Fee			93,659.14
Special Servicing Fee			0.00
Trustee Fee			1,560.97
Supported Prepayment/Curtailment Interest Shortfall			0.00

Net Servicing Fee			95,220.11

Loan Status Stratification/Credit Enhancement Statement


DELINQUENT					BANKRUPTCY					FORECLOSURE

	No. of		Principal			No. of		Principal			No. of		Principal
	Loans		Balance			Loans		Balance			Loans		Balance

0-29 Days		0		0.00	0-29 Days		0		0.00	0-29 Days		0		0.00
30 Days		0		0.00	30 Days		0		0.00	30 Days		0		0.00
60 Days		0		0.00	60 Days		0		0.00	60 Days		0		0.00
90 Days		0		0.00	90 Days		0		0.00	90 Days		0		0.00
120 Days		0		0.00	120 Days		0		0.00	120 Days		0		0.00
150 Days		0		0.00	150 Days		0		0.00	150 Days		0		0.00
180+ Days		0		0.00	180+ Days		0		0.00	180+ Days		0		0.00

		0		0.00			0		0.00			0		0.00

[Additional columns below]

[Continued from above table, first column(s) repeated]


DELINQUENT	REO					TOTAL

		No. of		Principal			No. of		Principal
		Loans		Balance			Loans		Balance

0-29 Days	0-29 Days		0		0.00	0-29 Days		0		0.00
30 Days	30 Days		0		0.00	30 Days		0		0.00
60 Days	60 Days		0		0.00	60 Days		0		0.00
90 Days	90 Days		0		0.00	90 Days		0		0.00
120 Days	120 Days		0		0.00	120 Days		0		0.00
150 Days	150 Days		0		0.00	150 Days		0		0.00
180+ Days	180+ Days		0		0.00	180+ Days		0		0.00

			0		0.00			0		0.00


	No. of			Principal				No. of			Principal				No. of			Principal
	Loans			Balance				Loans			Balance				Loans			Balance
0-29 Days		0.000000	%		0.000000	%	0-29 Days		0.000000	%		0.000000	%	0-29 Days		0.000000	%		0.000000	%
30 Days		0.000000	%		0.000000	%	30 Days		0.000000	%		0.000000	%	30 Days		0.000000	%		0.000000	%
60 Days		0.000000	%		0.000000	%	60 Days		0.000000	%		0.000000	%	60 Days		0.000000	%		0.000000	%
90 Days		0.000000	%		0.000000	%	90 Days		0.000000	%		0.000000	%	90 Days		0.000000	%		0.000000	%
120 Days		0.000000	%		0.000000	%	120 Days		0.000000	%		0.000000	%	120 Days		0.000000	%		0.000000	%
150 Days		0.000000	%		0.000000	%	150 Days		0.000000	%		0.000000	%	150 Days		0.000000	%		0.000000	%
180+ Days		0.000000	%		0.000000	%	180+ Days		0.000000	%		0.000000	%	180+ Days		0.000000	%		0.000000	%

		0.000000	%		0.000000	%			0.000000	%		0.000000	%			0.000000	%		0.000000	%

[Additional columns below]

[Continued from above table, first column(s) repeated]


		No. of			Principal				No. of			Principal
		Loans			Balance				Loans			Balance
0-29 Days	0-29 Days		0.000000	%		0.000000	%	0-29 Days		0.000000	%		0.000000	%
30 Days	30 Days		0.000000	%		0.000000	%	30 Days		0.000000	%		0.000000	%
60 Days	60 Days		0.000000	%		0.000000	%	60 Days		0.000000	%		0.000000	%
90 Days	90 Days		0.000000	%		0.000000	%	90 Days		0.000000	%		0.000000	%
120 Days	120 Days		0.000000	%		0.000000	%	120 Days		0.000000	%		0.000000	%
150 Days	150 Days		0.000000	%		0.000000	%	150 Days		0.000000	%		0.000000	%
180+ Days	180+ Days		0.000000	%		0.000000	%	180+ Days		0.000000	%		0.000000	%

			0.000000	%		0.000000	%			0.000000	%		0.000000	%


Current Period Class A Insufficient Funds: 0.00		Principal Balance of Contaminated Properties 0.00		Periodic Advance 0.00


			Original $		Original %			Current $		Current %

	Bankruptcy			100,000.00		0.02631514	%		100,000.00		0.02676668	%
		Fraud		7,600,189.00		2.00000002	%		7,600,189.00		2.03431842	%
Special Hazard				11,400,283.00		2.99999989	%		11,400,283.00		3.05147750	%

Limit of subordinate’s exposure to certain types of losses

Delinquency Status By Group

Group 1


DELINQUENT					BANKRUPTCY					FORECLOSURE

	No. of		Principal			No. of		Principal			No. of		Principal
	Loans		Balance			Loans		Balance			Loans		Balance

0-29 Days		0		0.00	0-29 Days		0		0.00	0-29 Days		0		0.00
30 Days		0		0.00	30 Days		0		0.00	30 Days		0		0.00
60 Days		0		0.00	60 Days		0		0.00	60 Days		0		0.00
90 Days		c		0.00	90 Days		0		0.00	90 Days		0		0.00
120 Days		0		0.00	120 Days		0		0.00	120 Days		0		0.00
150 Days		0		0.00	150 Days		0		0.00	150 Days		0		0.00
180+ Days		0		0.00	180+Days		0		0.00	180+ Days		0		0.00

		0		0.00			0		0.00			0		0.00

[Additional columns below]

[Continued from above table, first column(s) repeated]


	REO					TOTAL

		No. of		Principal			No. of		Principal
		Loans		Balance			Loans		Balance

0-29 Days	0-29 Days		0		0.00	0-29 Days		0		0.00
30 Days	30 Days		0		0.00	30 Days		0		0.00
60 Days	60 Days		0		0.00	60 Days		0		0.00
90 Days	90 Days		0		0.00	90 Days		0		0.00
120 Days	120 Days		0		0.00	120 Days		0		0.00
150 Days	150 Days		0		0.00	150 Days		0		0.00
180+ Days	180+ Days		0		0.00	180+Days		0		0.00

			0		0.00			0		0.00


DELINQUENT							BANKRUPTCY								FORECLOSURE

	No. of			Principal				No. of			Principal					No. of			Principal
	Loans			Balance				Loans			Balance					Loans			Balance

0-29Days		0.000000	%		0.000000	%	0-29 Days		0.000000	%		0.000000	%	0-29 Days			0.000000	%		0.000000	%
30 Days		0.000000	%		0.000000	%	30 Days		0.000000	%		0.000000	%	30 Days			0.000000	%		0.000000	%
60 Days		0.000000	%		0.000000	%	60 Days		0.000000	%		0.000000	%	60 Days			0.000000	%		0.000000	%
90 Days		0.000000	%		0.000000	%	90 Days		0.000000	%		0.000000	%	90 Days			0.000000	%		0.000000	%
120 Days		0.000000	%		0.000000	%	120 Days		0.000000	%		0.000000	%	120 Days			0.000000	%		0.000000	%
150 Days		0.000000	%		0.000000	%	150 Days		0.000000	%		0.000000	%	150 Days			0.000000	%		0.000000	%
180+ Days		0.000000	%		0.000000	%	180+Days		0.000000	%		0.000000	%	180+ Days			0.000000	%		0.000000	%

		0.000000	%		0.000000	%			0.000000	%		0.000000	%				0.000000	%		0.000000	%

[Additional columns below]

[Continued from above table, first column(s) repeated]


	REO							TOTAL

		No. of			Principal				No. of			Principal
		Loans			Balance				Loans			Balance

0-29Days	0-29 Days		0.000000	%		0.000000	%	0-29 Days		0.000000	%		0.000000	%
30 Days	30 Days		0.000000	%		0.000000	%	30 Days		0.000000	%		0.000000	%
60 Days	60 Days		0.000000	%		0.000000	%	60 Days		0.000000	%		0.000000	%
90 Days	90 Days		0.000000	%		0.000000	%	90 Days		0.000000	%		0.000000	%
120 Days	120 Days		0.000000	%		0.000000	%	120 Days		0.000000	%		0.000000	%
150 Days	150 Days		0.000000	%		0.000000	%	150 Days		0.000000	%		0.000000	%
180+ Days	180+ Days		0.000000	%		0.000000	%	180+ Days		0.000000	%		0.000000	%

			0.000000	%		0.000000	%			0.000000	%		0.000000	%

Group 2


DELINQUENT						BANKRUPTCY								FORECLOSURE

	No. of		Principal				No. of		Principal			No. of
	Loans		Balance				Loans		Balance			Loans

0-29 Days		0		0.00	0-29 Days			0		0.00	0-29 Days		0
30 Days		0		0.00	30 Days			0		0.00	30 Days		0
60 Days		0		0.00	60 Days			0		0.00	60 Days		0
90 Days		0		0.00	90 Days			0		0.00	90 Days		0
120 Days		0		0.00	120 Days			0		0.00	120 Days		0
150 Days		0		0.00	150 Days			0		0.00	150 Days		0
180+ Days		0		0.00	180+ Days			0		0.00	180+ Days		0

		0		0.00				0		0.00			0

[Additional columns below]

[Continued from above table, first column(s) repeated]


	FORECLOSURE		REO						TOTAL

	Principal			No. of		Principal			No. of		Principal
	Balance			Loans		Balance			Loans		Balance

0-29 Days		0.00	0-29 Days		0		0.00	0-29 Days		0		0.00
30 Days		0.00	30 Days		0		0.00	30 Days		0		0.00
60 Days		0.00	60 Days		0		0.00	60 Days		0		0.00
90 Days		0.00	90 Days		0		0.00	90 Days		0		0.00
120 Days		0.00	120 Days		0		0.00	120 Days		0		0.00
150 Days		0.00	150 Days		0		0.00	150 Days		0		0.00
180+ Days		0.00	180+ Days		0		0.00	180+ Days		0		0.00

		0.00			0		0.00			0		0.00


	No. of			Principal				No. of			Principal				No. of			Principal			No. of
	Loans			Balance				Loans			Balance				Loans			Balance			Loans

0-29 Days		0.000000	%		0.000000	%	0-29 Days		0.000000	%		0.000000	%	0-29 Days		0.000000	%		0.000000	%	0-29 Days
30 Days		0.000000	%		0.000000	%	30 Days		0.000000	%		0.000000	%	30 Days		0.000000	%		0.000000	%	30 Days
60 Days		0.000000	%		0.000000	%	60 Days		0.000000	%		0.000000	%	60 Days		0.000000	%		0.000000	%	60 Days
90 Days		0.000000	%		0.000000	%	90 Days		0.000000	%		0.000000	%	90 Days		0.000000	%		0.000000	%	90 Days
120 Days		0.000000	%		0.000000	%	120 Days		0.000000	%		0.000000	%	120 Days		0.000000	%		0.000000	%	120 Days
150 Days		0.000000	%		0.000000	%	150 Days		0.000000	%		0.000000	%	150 Days		0.000000	%		0.000000	%	150 Days
180+ Days		0.000000	%		0.000000	%	180+ Days		0.000000	%		0.000000	%	180+ Days		0.000000	%		0.000000	%	180+ Days

		0.000000	%		0.000000	%			0.000000	%		0.000000	%			0.000000	%		0.000000	%

[Additional columns below]

[Continued from above table, first column(s) repeated]


	No. of			Principal			No. of			Principal
	Loans			Balance			Loans			Balance

0-29 Days		0.000000	%		0.000000	%	0-29 Days	0.000000	%		0.000000	%
30 Days		0.000000	%		0.000000	%	30 Days	0.000000	%		0.000000	%
60 Days		0.000000	%		0.000000	%	60 Days	0.000000	%		0.000000	%
90 Days		0.000000	%		0.000000	%	90 Days	0.000000	%		0.000000	%
120 Days		0.000000	%		0.000000	%	120 Days	0.000000	%		0.000000	%
150 Days		0.000000	%		0.000000	%	150 Days	0.000000	%		0.000000	%
180+ Days		0.000000	%		0.000000	%	180+ Days	0.000000	%		0.000000	%

		0.000000	%		0.000000	%		0.000000	%		0.000000	%

Collateral Statement


Collateral Description	Fixed Mixed & ARM & Balloon
Weighted Average Gross Coupon		3.478494	%
Weighted Average Net Coupon		3.178494	%
Weighted Average Pass-Through Rate		3.173493	%
Weighted Average Maturity (Stepdown Calculation)		352
Beginning Scheduled Collateral Loan Count		405
Number of Loans Paid in Full		1
Ending Scheduled Collateral Loan Count		404
Beginning Scheduled Collateral Balance		374,636,575.56
Ending Scheduled Collateral Balance		373,598,789.78
Ending Actual Collateral Balance at 28-Feb-2003		373,598,789.78
Monthly P&I Constant		1,127,832.02
Special Servicing Fee		0.00
Prepayment Penalties		0.00
Realization Loss Amount		0.00
Cumulative Realized Loss		0.00
Ending Scheduled Balance for Premium Loans		373,598,789.78
Scheduled Principal		41,856.21
Unscheduled Principal		995,929.57

Miscellaneous Reporting


Senior Percentage	100.000000	%
Senior Percentage Group 1	100.000000	%
Senior Percentage Group 2	100.000000	%
Senior Prepayment Percentage	100.000000	%
Senior Prepayment Percentage Group 1	100.000000	%
Senior Prepayment Percentage Group 2	100.000000	%
Subordinate Percentage	0.000000	%
Subordinate Percentage Group 1	0.000000	%
Subordinate Percentage Group 2	0.000000	%


Group	1		2		Total

Collateral Description	Fixed 15/30 & ARM		Fixed 15/30 & ARM		Fixed Mixed & ARM & B
Weighted Average Coupon Rate		5.192296		3.152426		3.478494
Weighted Average Net Rate		4.892296		2.852426		3.178494
Pass-Through Rate		4.887296		2.847426		3.173493
Weighted Average Maturity		354		350		352
Record Date		02/28/2003		02/28/2003		02/28/2003
Principal and Interest Constant		266,500.43		861,331.59		1,127,832.02
Beginning Loan Count		73		332		405
Loans Paid in Full		0		1		1
Ending Loan Count		73		331		404
Beginning Scheduled Balance		59,884,699.03		314,751,876.53		374,636,575.56
Ending Scheduled Balance		59,261,066.47		314,337,723.31		373,598,789.78
Scheduled Principal		7,384.54		34,471.67		41,856.21
Unscheduled Principal		616,248.02		379,681.55		995,929.57
Scheduled Interest		259,115.89		826,859.92		1,085,975.81
Servicing Fee		14,971.17		78,687.97		93,659.14
Master Servicing Fee		0.00		0.00		0.00
Trustee Fee		249.51		1,311.46		1,560.97
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 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		243,895.21		746,860.49		990,755.70
Realized Loss Amount		0.00		0.00		0.00
Cumulative Realized Loss		0.00		0.00		0.00
Percentage of Cumulative Losses		0.00		0.00		0.00
Prepayment Penalties		0.00		0.00		0.00
Special Servicing Fee		0.00		0.00		0.00