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EX-10.1 3 f95106iexv10w1.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) ###-###-####

SMT SERIES 2003-4
Record Date: October 31, 2003
Distribution Date: November 20, 2003

Certificateholder Distribution Summary


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

1-A-1	81743PBH8	SEN			1.43000	%		145,926,900.72		173,896.22
1-A-2	81743PBJ4	SEN			1.45375	%		149,200,946.99		180,750.73
1-X-1A	81743PBM7	IO			0.88489	%		0.00		50,834.30
1-X-1B	81743PBN5	IO			1.04715	%		0.00		67,183.63
1-X-2	81743PBP0	IO			1.01859	%		0.00		126,645.67
1-X-B	81743PBQ8	IO			0.66681	%		0.00		2,147.13
1-A-R	81743PBL9		R		2.39080	%		0.00		0.00
1-B-1	81743PBK1	SUB			1.77000	%		3,864,000.00		5,699.40
1-B-2	81743PBR6	SUB			2.43658	%		2,628,000.00		5,336.11
1-B-3	81743PBS4	SUB			2.43658	%		1,546,000.00		3,139.13
1-B-4	81743PBT2	SUB			2.43658	%		773,000.00		1,569.56
1-B-5	81743PBU9	SUB			2.43658	%		464,000.00		942.14
1-B-6	81743PBV7	SUB			2.43658	%		1,236,668.87		2,511.04
2-A-1	81743PBW5	SEN			1.47000	%		184,701,008.42		226,258.73
2-M-1	81743PBX3	MEZ			1.59000	%		9,986,000.00		13,231.45
2-X-1	81743PCA2	IO			0.92410	%		0.00		142,235.41
2-X-M	81743PCB0	IO			0.80410	%		0.00		6,691.47
2-X-B	81743PCC8	IO			0.62410	%		0.00		1,231.04
2-A-R	81743PBZ8		R		2.34132	%		0.00		0.00
2-B-1	81743PBY1	SUB			1.77000	%		2,367,000.00		3,491.33
2-B-2	81743PCD6	SUB			3.39410	%		824,000.00		1,643.95
2-B-3	81743PCE4	SUB			3.39410	%		1,235,000.00		2,463.93
2-B-4	81743PCF1	SUB			3.39410	%		618,000.00		1,232.96
2-B-5	81743PCG9	SUB			3.39410	%		515,000.00		1,027.47
2-B-6	81743PCH7	SUB			3.39410	%		926,589.00		1,848.62

Totals								506,812,114.00		1,022,011.42

[Additional columns below]

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


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

1-A-1		774,283.92		0.00		145,152,616.80		948,180.14		0.00
1-A-2		1,110,274.24		0.00		148,090,672.75		1,291,024.97		0.00
1-X-1A		0.00		0.00		0.00		50,834.30		0.00
1-X-1B		0.00		0.00		0.00		67,183.63		0.00
1-X-2		0.00		0.00		0.00		126,645.67		0.00
1-X-B		0.00		0.00		0.00		2,147.13		0.00
1-A-R		0.00		0.00		0.00		0.00		0.00
1-B-1		0.00		0.00		3,864,000.00		5,699.40		0.00
1-B-2		0.00		0.00		2,628,000.00		5,336.11		0.00
1-B-3		0.00		0.00		1,546,000.00		3,139.13		0.00
1-B-4		0.00		0.00		773,000.00		1,569.56		0.00
1-B-5		0.00		0.00		464,000.00		942.14		0.00
1-B-6		0.00		0.00		1,236,668.87		2,511.04		0.00
2-A-1		2,044,039.51		0.00		182,656,968.91		2,270,298.24		0.00
2-M-1		0.00		0.00		9,986,000.00		13,231.45		0.00
2-X-1		0.00		0.00		0.00		142,235.41		0.00
2-X-M		0.00		0.00		0.00		6,691.47		0.00
2-X-B		0.00		0.00		0.00		1,231.04		0.00
2-A-R		0.00		0.00		0.00		0.00		0.00
2-B-1		0.00		0.00		2,367,000.00		3,491.33		0.00
2-B-2		0.00		0.00		824,000.00		1,643.95		0.00
2-B-3		0.00		0.00		1,235,000.00		2,463.93		0.00
2-B-4		0.00		0.00		618,000.00		1,232.96		0.00
2-B-5		0.00		0.00		515,000.00		1,027.47		0.00
2-B-6		0.00		0.00		926,589.00		1,848.62		0.00

Totals		3,928,597.67		0.00		502,883,516.33		4,950,609.09		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


			Beginning		Scheduled		Unscheduled
	Original Face		Certificate		Principal		Principal				Realized
Class	Amount		Balance		Distribution		Distribution		Accretion		Loss (1)

1-A-1		148,641,000.00		145,926,900.72		0.00		774,283.92		0.00		0.00
1-A-2		150,000,000.00		149,200,946.99		0.00		1,110,274.24		0.00		0.00
1-X-1A		0.00		0.00		0.00		0.00		0.00		0.00
1-X-1B		0.00		0.00		0.00		0.00		0.00		0.00
1-X-2		0.00		0.00		0.00		0.00		0.00		0.00
1-X-B		0.00		0.00		0.00		0.00		0.00		0.00
1-A-R		100.00		0.00		0.00		0.00		0.00		0.00
1-B-1		3,864,000.00		3,864,000.00		0.00		0.00		0.00		0.00
1-B-2		2,628,000.00		2,628,000.00		0.00		0.00		0.00		0.00
1-B-3		1,546,000.00		1,546,000.00		0.00		0.00		0.00		0.00
1-B-4		773,000.00		773,000.00		0.00		0.00		0.00		0.00
1-B-5		464,000.00		464,000.00		0.00		0.00		0.00		0.00
1-B-6		1,236,668.87		1,236,668.87		0.00		0.00		0.00		0.00
2-A-1		189,415,000.00		184,701,008.42		9,428.96		2,034,610.55		0.00		0.00
2-M-1		9,986,000.00		9,986,000.00		0.00		0.00		0.00		0.00
2-X-1		0.00		0.00		0.00		0.00		0.00		0.00
2-X-M		0.00		0.00		0.00		0.00		0.00		0.00
2-X-B		0.00		0.00		0.00		0.00		0.00		0.00
2-A-R		100.00		0.00		0.00		0.00		0.00		0.00
2-B-1		2,367,000.00		2,367,000.00		0.00		0.00		0.00		0.00
2-B-2		824,000.00		824,000.00		0.00		0.00		0.00		0.00
2-B-3		1,235,000.00		1,235,000.00		0.00		0.00		0.00		0.00
2-B-4		618,000.00		618,000.00		0.00		0.00		0.00		0.00
2-B-5		515,000.00		515,000.00		0.00		0.00		0.00		0.00
2-B-6		926,589.00		926,589.00		0.00		0.00		0.00		0.00

Totals		515,039,457.87		506,812,114.00		9,428.96		3,919,168.71		0.00		0.00

[Additional columns below]

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


	Total Principal		Ending Certificate		Ending Certificate		Total Principal
Class	Reduction		Balance		Percentage		Distribution

1-A-1		774,283.92		145,152,616.80		0.97653149		774,283.92
1-A-2		1,110,274.24		148,090,672.75		0.98727115		1,110,274.24
1-X-1A		0.00		0.00		0.00000000		0.00
1-X-1B		0.00		0.00		0.00000000		0.00
1-X-2		0.00		0.00		0.00000000		0.00
1-X-B		0.00		0.00		0.00000000		0.00
1-A-R		0.00		0.00		0.00000000		0.00
1-B-1		0.00		3,864,000.00		1.00000000		0.00
1-B-2		0.00		2,628,000.00		1.00000000		0.00
1-B-3		0.00		1,546,000.00		1.00000000		0.00
1-B-4		0.00		773,000.00		1.00000000		0.00
1-B-5		0.00		464,000.00		1.00000000		0.00
1-B-6		0.00		1,236,668.87		1.00000000		0.00
2-A-1		2,044,039.51		182,656,968.91		0.96432156		2,044,039.51
2-M-1		0.00		9,986,000.00		1.00000000		0.00
2-X-1		0.00		0.00		0.00000000		0.00
2-X-M		0.00		0.00		0.00000000		0.00
2-X-B		0.00		0.00		0.00000000		0.00
2-A-R		0.00		0.00		0.00000000		0.00
2-B-1		0.00		2,367,000.00		1.00000000		0.00
2-B-2		0.00		824,000.00		1.00000000		0.00
2-B-3		0.00		1,235,000.00		1.00000000		0.00
2-B-4		0.00		618,000.00		1.00000000		0.00
2-B-5		0.00		515,000.00		1.00000000		0.00
2-B-6		0.00		926,589.00		1.00000000		0.00

Totals		3,928,597.67		502,883,516.33		0.97639804		3,928,597.67

(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


			Beginning		Scheduled		Unscheduled
	Original Face		Certificate		Principal		Principal				Realized
Class	Amount		Balance		Distribution		Distribution		Accretion		Loss (3)

1-A-1		148,641,000.00		981.74057440		0.00000000		5.20908713		0.00000000		0.00000000
1-A-2		150,000,000.00		994.67297993		0.00000000		7.40182827		0.00000000		0.00000000
1-X-1A		0.00		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000
1-X-1B		0.00		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000
1-X-2		0.00		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000
1-X-B		0.00		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000
1-A-R		100.00		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000
1-B-1		3,864,000.00		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000
1-B-2		2,628,000.00		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000
1-B-3		1,546,000.00		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000
1-B-4		773,000.00		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000
1-B-5		464,000.00		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000
1-B-6		1,236,668.87		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000
2-A-1		189,415,000.00		975.11289190		0.04977937		10.74154924		0.00000000		0.00000000
2-M-1		9,986,000.00		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000
2-X-1		0.00		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000
2-X-M		0.00		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000
2-X-B		0.00		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000
2-A-R		100.00		0.00000000		0.0000000		0.00000000		0.00000000		0.00000000
2-B-1		2,367,000.00		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000
2-B-2		824,000.00		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000
2-B-3		1,235,000.00		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000
2-B-4		618,000.00		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000
2-B-5		515,000.00		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000
2-B-6		926,589.00		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000

[Additional columns below]

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


	Total Principal		Ending Certificate		Ending Certificate		Total Principal
Class	Reduction		Balance		Percentage		Distribution

1-A-1		5.20908713		976.53148727		0.97653149		5 ###-###-####
1-A-2		7.40182827		987.27115167		0.98727115		7.40182827
1-X-1A		0.00000000		0.00000000		0.00000000		0.00000000
1-X-1B		0.00000000		0.00000000		0.00000000		0.00000000
1-X-2		0.00000000		0.00000000		0.00000000		0.00000000
1-X-B		0.00000000		0.00000000		0.00000000		0.00000000
1-A-R		0.00000000		0.00000000		0.00000000		0.00000000
1-B-1		0.00000000		1000.00000000		1.00000000		0.00000000
1-B-2		0.00000000		1000.00000000		1.00000000		0.00000000
1-B-3		0.00000000		1000.00000000		1.00000000		0.00000000
1-B-4		0.00000000		1000.00000000		1.00000000		0.00000000
1-B-5		0.00000000		1000.00000000		1.00000000		0.00000000
1-B-6		0.00000000		1000.00000000		1.00000000		0.00000000
2-A-1		10.79132862		964.32156329		0.96432156		10.79132862
2-M-1		0.00000000		1000.00000000		1.00000000		0.00000000
2-X-1		0.00000000		0.00000000		0.00000000		0.00000000
2-X-M		0.00000000		0.00000000		0.00000000		0.00000000
2-X-B		0.00000000		0.00000000		0.00000000		0.00000000
2-A-R		0.00000000		0.00000000		0.00000000		0.00000000
2-B-1		0.00000000		1000.00000000		1.00000000		0.00000000
2-B-2		0.00000000		1000.00000000		1.00000000		0.00000000
2-B-3		0.00000000		1000.00000000		1.00000000		0.00000000
2-B-4		0.00000000		1000.00000000		1.00000000		0.00000000
2-B-5		0.00000000		1000.00000000		1.00000000		0.00000000
2-B-6		0.00000000		1000.00000000		1.00000000		0.00000000

(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				Payment of				Non-
						Certificate/		Current		Unpaid		Current		Supported
	Original Face		Current			Notional		Accrued		Interest		Interest		Interest		Realized
Class	Amount		Certificate Rate			Balance		Interest		Shortfall		Shortfall		Shortfall		Loss (4)

1-A-1		148,641,000.00		1.43000	%		145,926,900.72		173,896.22		0.00		0.00		0.00		0.00
1-A-2		150,000,000.00		1.45375	%		149,200,946.99		180,750.73		0.00		0.00		0.00		0.00
1-X-1A		0.00		0.88489	%		68,936,729.14		50,834.30		0.00		0.00		0.00		0.00
1-X-1B		0.00		1.04715	%		76,990,171.58		67,183.63		0.00		0.00		0.00		0.00
1-X-2		0.00		1.01859	%		149,200,946.99		126,645.67		0.00		0.00		0.00		0.00
1-X-B		0.00		0.66681	%		3,864,000.00		2,147.13		0.00		0.00		0.00		0.00
1-A-R		100.00		2.39080	%		0.00		0.00		0.00		0.00		0.00		0.00
1-B-1		3,864,000.00		1.77000	%		3,864,000.00		5,699.40		0.00		0.00		0.00		0.00
1-B-2		2,628,000.00		2.43658	%		2,628,000.00		5,336.11		0.00		0.00		0.00		0.00
1-B-3		1,546,000.00		2.43658	%		1,546,000.00		3,139.13		0.00		0.00		0.00		0.00
1-B-4		773,000.00		2.43658	%		773,000.00		1,569.56		0.00		0.00		0.00		0.00
1-B-5		464,000.00		2.43658	%		464,000.00		942.14		0.00		0.00		0.00		0.00
1-B-6		1,236,668.87		2.43658	%		1,236,668.87		2,511.04		0.00		0.00		0.00		0.00
2-A-1		189,415,000.00		1.47000	%		184,701,008.42		226,258.74		0.00		0.00		0.00		0.00
2-M-1		9,986,000.00		1.59000	%		9,986,000.00		13,231.45		0.00		0.00		0.00		0.00
2-X-1		0.00		0.92410	%		184,701,008.42		142,235.41		0.00		0.00		0.00		0.00
2-X-M		0.00		0.80410	%		9,986,000.00		6,691.47		0.00		0.00		0.00		0.00
2-X-B		0.00		0.62410	%		2,367,000.00		1,231.04		0.00		0.00		0.00		0.00
2-A-R		100.00		2.34132	%		0.00		0.00		0.00		0.00		0.00		0.00
2-B-1		2,367,000.00		1.77000	%		2,367,000.00		3,491.33		0.00		0.00		0.00		0.00
2-B-2		824,000.00		2.39410	%		824,000.00		1,643.95		0.00		0.00		0.00		0.00
2-B-3		1,235,000.00		2.39410	%		1,235,000.00		2,463.93		0.00		0.00		0.00		0.00
2-B-4		618,000.00		2.39410	%		618,000.00		1,232.96		0.00		0.00		0.00		0.00
2-B-5		515,000.00		2.39410	%		515,000.00		1,027.47		0.00		0.00		0.00		0.00
2-B-6		926,589.00		2.39410	%		926,589.00		1,848.62		0.00		0.00		0.00		0.00

Totals		515,039,457.87							1,022,011.43		0.00		0.00		0.00		0.00

[Additional columns below]

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


			Remaining		Ending
			Unpaid		Certificate/
	Total Interest		Interest		Notational
Class	Distribution		Shortfall		Balance

1-A-1		173,896.22		0.00		145,152,616.80
1-A-2		180,750.73		0.00		148,090,672.75
1-X-1A		50,834.30		0.00		68,873,164.50
1-X-1B		67,183.63		0.00		76,279,452.30
1-X-2		126,645.67		0.00		148,090,672.75
1-X-B		2,147.13		0.00		3,864,000.00
1-A-R		0.00		0.00		0.00
1-B-1		5,699.40		0.00		3,864,000.00
1-B-2		5,336.11		0.00		2,628,000.00
1-B-3		3,139.13		0.00		1,546,000.00
1-B-4		1,569.56		0.00		773,000.00
1-B-5		942.14		0.00		464,000.00
1-B-6		2,511.04		0.00		1,236,668.87
2-A-1		226,258.73		0.00		182,656,968.91
2-M-1		13,231.45		0.00		9,986,000.00
2-X-1		142,235.41		0.00		182,656,968.91
2-X-M		6,691.47		0.00		9,986,000.00
2-X-B		1,231.04		0.00		2,367,000.00
2-A-R		0.00		0.00		0.00
2-B-1		3,491.33		0.00		2,367,000.00
2-B-2		1,643.95		0.00		824,000.00
2-B-3		2,463.93		0.00		1,235,000.00
2-B-4		1,232.96		0.00		618,000.00
2-B-5		1,027.47		0.00		515,000.00
2-B-6		1,848.62		0.00		926,589.00

Totals		1,022,011.42		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


										Payment of				Non-
			Current			Beginning				Unpaid		Current		Supported
	Original Face		Certificate			Certificate/		Current		Interest		Interest		Interest		Realized
Class (5)	Amount		Rate			Notional Balance		Accrued Interest		Shortfall		Shortfall		Shortfall		Loss (6)

1-A-1		148,641,000.00		1.43000	%		981.74057440		1.16990750		0.00000000		0.00000000		0.00000000		0.00000000
1-A-2		150,000,000.00		1.45375	%		994.67297993		1.20500487		0.00000000		0.00000000		0.00000000		0.00000000
1-X-1A		0.00		0.88489	%		979.75437981		0.72247594		0.00000000		0.00000000		0.00000000		0.00000000
1-X-1B		0.00		1.04715	%		983.52586453		0.85825030		0.00000000		0.00000000		0.00000000		0.00000000
1-X-2		0.00		1.01859	%		994.67297993		0.84430447		0.00000000		0.00000000		0.00000000		0.00000000
1-X-B		0.00		0.66681	%		1000.00000000		0.55567547		0.00000000		0.00000000		0.00000000		0.00000000
1-A-R		100.00		2.39080	%		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000
1-B-1		3,864,000.00		1.77000	%		1000.00000000		1.47500000		0.00000000		0.00000000		0.00000000		0.00000000
1-B-2		2,628,000.00		2.43658	%		1000.00000000		2.03048326		0.00000000		0.00000000		0.00000000		0.00000000
1-B-3		1,546,000.00		2.43658	%		1000.00000000		2.03048512		0.00000000		0.00000000		0.00000000		0.00000000
1-B-4		773,000.00		2.43658	%		1000.00000000		2.03047865		0.00000000		0.00000000		0.00000000		0.00000000
1-B-5		464,000.00		2.43658	%		1000.00000000		2.03047414		0.00000000		0.00000000		0.00000000		0.00000000
1-B-6		1,236,668.87		2.43658	%		1000.00000000		2.03048695		0.00000000		0.00000000		0.00000000		0.00000000
2-A-1		189,415,000.00		1.47000	%		975.11289190		1.19451332		0.00000000		0.00000000		0.00000000		0.00000000
2-M-1		9,986,000.00		1.59000	%		1000.00000000		1.32500000		0.00000000		0.00000000		0.00000000		0.00000000
2-X-1		0.00		0.92410	%		975.11289190		0.75091946		0.00000000		0.00000000		0.00000000		0.00000000
2-X-M		0.00		0.80410	%		1000.00000000		0.67008512		0.00000000		0.00000000		0.00000000		0.00000000
2-X-B		0.00		0.62410	%		1000.00000000		0.52008450		0.00000000		0.00000000		0.00000000		0.00000000
2-A-R		100.00		2.34132	%		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000
2-B-1		2,367,000.00		1.77000	%		1000.00000000		1.47500211		0.00000000		0.00000000		0.00000000		0.00000000
2-B-2		824,000.00		2.39410	%		1000.00000000		1.99508495		0.00000000		0.00000000		0.00000000		0.00000000
2-B-3		1,235,000.00		2.39410	%		1000.00000000		1.99508502		0.00000000		0.00000000		0.00000000		0.00000000
2-B-4		618,000.00		2.39410	%		1000.00000000		1.99508091		0.00000000		0.00000000		0.00000000		0.00000000
2-B-5		515,000.00		2.39410	%		1000.00000000		1.99508738		0.00000000		0.00000000		0.00000000		0.00000000
2-B-6		926,589.00		2.39410	%		1000.00000000		1.99508088		0.00000000		0.00000000		0.00000000		0.00000000

[Additional columns below]

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


			Remaining
			Unpaid
	Total Interest		Interest		Ending Certificate/
Class (5)	Distribution		Shortfall		Notational Balance

1-A-1		1.16990750		0.00000000		976.53148727
1-A-2		1.20500487		0.00000000		987.27115167
1-X-1A		0.72247594		0.00000000		978.85097556
1-X-1B		0.85825030		0.00000000		974.44664338
1-X-2		0.84430447		0.00000000		987.27115167
1-X-B		0.55567547		0.00000000		1000.00000000
1-A-R		0.00000000		0.00000000		0.00000000
1-B-1		1.47500000		0.00000000		1000.00000000
1-B-2		2.03048326		0.00000000		1000.00000000
1-B-3		2.03048512		0.00000000		1000.00000000
1-B-4		2.03047865		0.00000000		1000.00000000
1-B-5		2.03047414		0.00000000		1000.00000000
1-B-6		2.03048695		0.00000000		1000.00000000
2-A-1		1.19451326		0.00000000		964.32156329
2-M-1		1.32500000		0.00000000		1000.00000000
2-X-1		0.75091946		0.00000000		964.32156329
2-X-M		0.67008512		0.00000000		1000.00000000
2-X-B		0.52008450		0.00000000		1000.00000000
2-A-R		0.00000000		0.00000000		0.00000000
2-B-1		1.47500211		0.00000000		1000.00000000
2-B-2		1.99508495		0.00000000		1000.00000000
2-B-3		1.99508502		0.00000000		1000.00000000
2-B-4		1.99508091		0.00000000		1000.00000000
2-B-5		1.99508738		0.00000000		1000.00000000
2-B-6		1.99508088		0.00000000		1000.00000000

(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	5,097,470.44
	Liquidations, Insurance Proceeds, Reserve Funds	0.00
	Proceeds from Repurchased Loans	0.00
	Other Amounts (Servicer Advances)	0.00
	Realized Losses (Gains, Subsequent Expenses & Recoveries)	0.00
	Prepayment Penalties	0.00

Total Deposits		5,097,470.44
Withdrawals
	Reimbursement for Servicer Advances	0.00
	Payment of Service Fee	146,861.35
	Payment of Interest and Principal	4,950,609.09

Total Withdrawals (Pool Distribution Amount)		5,097,470.44
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			145,805.50
Master Servicing Fee			1,055.85
Supported Prepayment/Curtailment Interest Shortfall			0.00

Net Servicing Fee			146,861.35


	Beginning		Current		Current		Ending
Account Type	Balance		Withdrawals		Deposits		Balance

1-X-1A Reserve Fund		4,000.00		0.00		0.00		4,000.00
1-X-2 Reserve Fund		4,000.00		0.00		0.00		4,000.00
1-X-1B Reserve Fund		2,000.00		0.00		0.00		2,000.00
2-X-1 Reserve Fund		5,000.00		0.00		0.00		5,000.00
2-X-B Reserve Fund		2,500.00		0.00		0.00		2,500.00
2-X-M Reserve Fund		2,500.00		0.00		0.00		2,500.00

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


	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	%


REO					TOTAL

	No. of		Principal			No. of		Principal
	Loans		Balance			Loans		Balance
0-29 Days		0		0.00	0-29 Days		0		0.00
30 Days		0		0.00	30 Days		0		0.00
60 Days		0		0.00	60 Days		0		0.00
90 Days		0		0.00	90 Days		0		0.00
120 Days		0		0.00	120 Days		0		0.00
150 Days		0		0.00	150 Days		0		0.00
180+ Days		0		0.00	180+ Days		0		0.00

		0		0.00			0		0.00


	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	%


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

Group 1A — 1 Mo.


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


	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	%


REO					TOTAL

	No. of		Principal			No. of		Principal
	Loans		Balance			Loans		Balance
0-29 Days		0		0.00	0-29 Days		0		0.00
30 Days		0		0.00	30 Days		0		0.00
60 Days		0		0.00	60 Days		0		0.00
90 Days		0		0.00	90 Days		0		0.00
120 Days		0		0.00	120 Days		0		0.00
150 Days		0		0.00	150 Days		0		0.00
180+ Days		0		0.00	180+ Days		0		0.00

		0		0.00			0		0.00


	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	%

Group 1A — 6 Mo.


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


	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	%


REO					TOTAL

	No. of		Principal			No. of		Principal
	Loans		Balance			Loans		Balance
0-29 Days		0		0.00	0-29 Days		0		0.00
30 Days		0		0.00	30 Days		0		0.00
60 Days		0		0.00	60 Days		0		0.00
90 Days		0		0.00	90 Days		0		0.00
120 Days		0		0.00	120 Days		0		0.00
150 Days		0		0.00	150 Days		0		0.00
180+ Days		0		0.00	180+ Days		0		0.00

		0		0.00			0		0.00


	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	%

Group 1B


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


	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	%


REO					TOTAL

	No. of		Principal			No. of		Principal
	Loans		Balance			Loans		Balance
0-29 Days		0		0.00	0-29 Days		0		0.00
30 Days		0		0.00	30 Days		0		0.00
60 Days		0		0.00	60 Days		0		0.00
90 Days		0		0.00	90 Days		0		0.00
120 Days		0		0.00	120 Days		0		0.00
150 Days		0		0.00	150 Days		0		0.00
180+ Days		0		0.00	180+ Days		0		0.00

		0		0.00			0		0.00


	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	%

Group 2


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


	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	%


REO					TOTAL

	No. of		Principal			No. of		Principal
	Loans		Balance			Loans		Balance
0-29 Days		0		0.00	0-29 Days		0		0.00
30 Days		0		0.00	30 Days		0		0.00
60 Days		0		0.00	60 Days		0		0.00
90 Days		0		0.00	90 Days		0		0.00
120 Days		0		0.00	120 Days		0		0.00
150 Days		0		0.00	150 Days		0		0.00
180+ Days		0		0.00	180+ Days		0		0.00

		0		0.00			0		0.00


	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	Mixed Arm
Weighted Average Gross Coupon		2.767587	%
Weighted Average Net Coupon		2.422357	%
Weighted Average Pass-Through Rate		2.419857	%
Weighted Average Maturity (Stepdown Calculation)		320
Beginning Scheduled Collateral Loan Count		1,037
Number of Loans Paid in Full		6
Ending Scheduled Collateral Loan Count		1,031
Beginning Scheduled Collateral Balance		506,812,114.75
Ending Scheduled Collateral Balance		502,883,517.08
Ending Actual Collateral Balance at 31-Oct-2003		502,883,517.08
Monthly P&I Constant		1,178,301.02
Special Servicing Fee		0.00
Prepayment Penalties		0.00
Realized Loss Amount		0.00
Cumulative Realized Loss		0.00
Ending Scheduled Balance for Premium Loans		502,883,517.08
Scheduled Principal		9,428.96
Unscheduled Principal		3,919,168.71

Miscellaneous Reporting


Group 1A Pro Rata Senior Percentage	96.538738	%
Group1B Pro Rata Senior Percentage	96.582313	%
Group 2 Pro Rata Senior Percentage	91.812210	%
Group 1A Senior Percentage	100.000000	%
Group 1B Senior Percentage	100.000000	%
Group 2 Senior Percentage	100.000000	%
Group 1A Senior Prepayment Percentage	100.000000	%
Group 1B Senior Prepayment Percentage	100.000000	%
Group 2 Senior Prepayment Percentage	100.000000	%
Group 1 Subordinate Percentage	0.000000	%
Group 2 Subordinate Percentage	0.000000	%
Group 1 Subordinate Prepay Percentage	0.000000	%
Group 2 Subordinate Prepay Percentage	0.000000	%


	Group 1A – 1 Mo		Group 1A – 6 Mo		Group 1B		Group 2
Group	1 Month		6 Month		6 Month		1 Month		Total
Collateral Description	LIBOR ARM		LIBOR ARM		LIBOR ARM		LIBOR ARM		Mixed ARM
Weighted Average Coupon Rate		2.692386		2.854651		2.849841		2.696602		2.767587
Weighted Average Net Rate		2.317386		2.479651		2.474841		2.396602		2.422357
Pass-Through Rate		2.314886		2.477151		2.472341		2.394102		2.419857
Weighted Average Maturity		296		296		296		349		320
Record Date		10/31/203		10/31/2003		10/31/2003		10/31/2003		10/31/2003
Principal and Interest Constant		160,215.73		189,716.67		366,871.04		461,497.58		1,178,301.02
Beginning Loan Count		161		239		424		213		1,037
Loans Paid in Full		0		1		3		2		7
Ending Loan Count		161		238		421		211		1,031
Beginning Scheduled Balance		71,408,359.18		79,750,546.54		154,480,610.86		201,172,598.17		506,812,114.75
Ending Scheduled Balance		71,355,687.72		79,028,934.08		153,370,336.62		199,128,558.66		502,883,517.08
Scheduled Principal		0.00		0.00		0.00		9,428.96		9,428.96
Unscheduled Principal		52,671.46		721,612.46		1,110,274.24		2,034,610.55		3,919,168.71
Scheduled Interest		160,215.73		189,716.67		366,871.04		452,068.62		1,169,872.06
Servicing Fee		22,315.11		24,922.05		48,275.19		50,293.15		145,805.50
Master Servicing Fee		0.00		0.00		0.00		0.00		0.00
Trustee Fee		148.77		166.15		321.83		419.10		1,055.85
FRY Amount		0.00		0.00		0.00		0.00		0.00
Special Hazard Fee		0.00		0.00		0.00		0.00		0.00
Other Fee		0.00		0.00		0.00		0.00		0.00
Pool Insurance Fee		0.00		0.00		0.00		0.00		0.00
Spread 1		0.00		0.00		0.00		0.00		0.00
Spread 2		0.00		0.00		0.00		0.00		0.00
Spread 3		0.00		0.00		0.00		0.00		0.00
Net Interest		137,751.85		164,628.47		318,274.02		401,356.37		1,022,010.71
Realized Loss Amount		0.00		0.00		0.00		0.00		0.00
Cumulative Realized Loss		0.00		0.00		0.00		0.00		0.00
Percentage of Cumulative Losses		0.00		0.00		0.00		0.00		0.00
Prepayment Penalties		0.00		0.00		0.00		0.00		0.00
Special Servicing Fee		0.00		0.00		0.00		0.00		0.00