8-K 1 sami023nov03.txt SAMI 2002-3, 8K, 11/03 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): November 28, 2003 STRUCTURED ASSET MORTGAGE INVESTMENTS TRUST 2002-3 (Pass-Through Certificates Series 2002-3) (Exact name of registrant as specified in its charter) Delaware (governing law of 333-68542-01 13-3633241 Trust and Pooling Agreement) (State or other jurisdiction (Commission (IRS Employer of Incorporation) File Number) Identification Number) 383 Madison Avenue, New York, New York 10179 (Address of principal executive offices) (Zip Code) Registrant's Telephone Number, including area code: (212) 272-2000 Not Applicable (Former name or former address, if changed since last report) ITEM 5 Other Events On November 28, 2003 a distribution was made to holders of Structured Asset Mortgage Investments Trust 2002-3 Pass-Through Certificates. The distribution was made pursuant to the provisions of a Trust and Pooling Agreement, dated as of April 1, 2002, among Structured Asset Mortgage Investments Inc., as seller, U.S. Bank National Association, as trustee, and U.S. Bank Trust National Association, as Delaware trustee. ITEM 7. Financial Statements and Exhibits (C) Exhibits furnished in accordance with Item 601(a) of Regulation S-K Exhibit Number Description EX-99.1 Monthly report distributed to holders of Structured Asset Mortgage Investments Trust 2002-3 Pass-Through Certificates, relating to the November 28, 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 thereunto duly authorized. STRUCTURED ASSET MORTGAGE INVESTMENTS TRUST 2002-3 By: U.S. Bank National Association, as Trustee By: /s/ Sheryl Christopherson Name: Sheryl Christopherson Title: Vice President Dated: December 01, 2003 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Structured Asset Mortgage Investments Trust 2002-3 Pass-Through Certificates, relating to the November 28, 2003 distribution

Structured Assets Mortgage Investment Trust Administrator: Sheryl Christopherson Pass-Through Certificates, Series 2002-3 US Bank, NA 60 Livingston Ave STATEMENT TO CERTIFICATEHOLDERS Saint Paul, MN 55107 Distribution Date: ~~October~~December,3001 2003 Original Beginning Distribution Supp. Dist Total Certificate Certificate Date Principal Date Principal Principal Class Face Value Balance Distribution Distribution (1) Distribution 1A 50000000.00 0.00 0.00 0.00 0.00 2A 114000000.00 0.00 0.00 0.00 0.00 3A 61000000.00 ~~1023283~~0.8400 ~~1023283~~0.8400 0.00 ~~1023283~~0.8400 CC 51184155.00 ~~28314001~~18357662.0231 ~~9956338~~9118520.7118 0.00 ~~9956338~~9118520.7118 R 0.00 0.00 0.00 0.00 0.00 CC-1B 22884163.00 ~~13509884~~10267282.0729 ~~3242601~~1125433.7846 0.00 ~~3242601~~1125433.7846 CC-2B 10854768.00 ~~4887905~~2397722.7417 ~~2490183~~2397722.5717 0.00 ~~2490183~~2397722.5717 CC-3B 8661995.00 ~~9629708~~5594685.6478 ~~4035022~~5594685.8678 0.00 ~~4035022~~5594685.8678 CC-4A 8783229.00 ~~286502~~97972.5707 ~~188530~~678.5077 0.00 ~~188530~~678.5077 CC-IO 65061437.00 ~~1787694~~0.6400 0.00 0.00 0.00 Total (3) 276184155.00 ~~29337284~~18357662.8631 ~~10979622~~9118520.5518 0.00 ~~10979622~~9118520.5518

Distribution Supp. Dist Total Ending Date Realized Date Realized Realized Certificate Class Losses Losses (1) Losses Balance (2) 1A 0.00 0.00 0.00 0.00 2A 0.00 0.00 0.00 0.00 3A 0.00 0.00 0.00 0.00 CC 0.00 0.00 0.00 ~~18357662~~9239142.3113 R 0.00 0.00 0.00 0.00 CC-1B 0.00 0.00 0.00 ~~10267282~~9141848.2983 CC-2B 0.00 0.00 0.00 ~~2397722~~0.1700 CC-3B 0.00 0.00 0.00 ~~5594685~~0.7800 CC-4A 0.00 0.00 0.00 ~~97972~~97293.0730 CC-IO 0.00 0.00 0.00 0.00 Total (3) 0.00 0.00 0.00 ~~18357662~~9239142.3113

Distribution Supp. Dist Total Date Interest Date Interest Interest Total Interest Certificate Class Distribution Distribution (1) Distribution Distribution Shortfalls Rate 1A 0.00 0.00 0.00 0.00 0.00 6.7500% 2A 0.00 0.00 0.00 0.00 0.00 7.0000% 3A ~~6395~~0.5200 0.00 ~~6395~~0.5200 ~~1029679~~0.3600 0.00 7.5000% CC ~~175974~~113163.6934 0.00 ~~175974~~113163.6934 ~~10132313~~9231683.4052 ~~632~~101.9842 N/A R 0.00 0.00 0.00 0.00 0.00 N/A CC-1B ~~75360~~57652.1204 0.00 ~~75360~~57652.1204 ~~3317961~~1183085.9050 ~~632~~101.9842 6.7500% CC-2B ~~28512~~13986.7871 0.00 ~~28512~~13986.7871 ~~2518696~~2411708.3588 0.00 7.0000% CC-3B ~~60185~~34966.6879 0.00 ~~60185~~34966.6879 ~~4095208~~5629652.5457 0.00 7.5000% CC-4A ~~10612~~6557.9980 0.00 ~~10612~~6557.9980 ~~199143~~7236.4957 0.00 4480.~~4519~~3225% CC-IO ~~1303~~0.1200 0.00 ~~1303~~0.1200 ~~1303~~0.1200 0.00 0.~~8747~~0000% Total (3) ~~182370~~113163.2134 0.00 ~~182370~~113163.2134 ~~11161992~~9231683.7652 ~~632~~101.9842

(1) If applicable. (2) Class CC-1B Ending Balance includes accrual amount of 0.00 Class CC-2B Ending Balance includes accrual amount of 0.00 Class CC-3B Ending Balance includes accrual amount of 0.00 (3) Totals do not include Class CC component breakout

AMOUNTS PER $1,000 UNIT Ending Principal Interest Total Realized Certificate Class Cusip Distribution Distribution Distribution Losses Balance 1A 86358HNC9 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 2A 86358HND7 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 3A 86358HNE5 160.~~77514492~~00000000 0.~~10484459~~00000000 160.~~87998951~~00000000 0.00000000 0.00000000 CC 86358HNF2 ~~194~~178.~~51993903~~15123020 32.~~43806961~~21090576 ~~197~~180.~~95800864~~36213596 0.00000000 ~~358~~180.~~65908717~~50785697 CC-1B N/A ~~141~~49.~~69632422~~17957716 32.~~29311227~~51929873 ~~144~~51.~~98943649~~69887589 0.00000000 ~~448~~399.~~66322137~~48364421 CC-2B N/A ~~229~~220.~~40919327~~89114848 21.~~62675167~~28853145 ~~232~~222.~~03594494~~17967993 0.00000000 ~~220~~0.~~89114848~~00000000 CC-3B N/A ~~465~~645.~~83066141~~88882584 64.~~94824691~~03680561 ~~472~~649.~~77890832~~92563145 0.00000000 ~~645~~0.~~88882584~~00000000 CC-4A N/A 210.~~46482803~~07728023 10.~~20832441~~74662746 220.~~67315244~~82390770 0.00000000 11.~~15444787~~07716763 CC-IO N/A 0.00000000 0.~~02002907~~00000000 0.~~02002907~~00000000 0.00000000 0.00000000 R 86358HNG0 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000

Pursuant to Section 3.06 (a) of the Pooling Agreement dated April 1, 2002 (i) Available Principal 9118520.50 Available Interest 113163.35 Total Available Funds 9231683.85 (ii) Amount of interest being distributed to each Class of Certificates and the Certificate Rates for each Class of Certificates. See Page 1 (iii) Accrual Amounts for the Class CC-1B, Class CC-2B and Class CC-3B Certificates See Page 1 (iv) Amount of reinvestment income distributed to the Trustee 0.00 (v) Amount of principal being distributed to each Class of Certificates See Page 1 (vi) Loss Amounts allocated to each Class of Certificates Class Current Period Since Issuance 1A 0.00 0.00 2A 0.00 0.00 3A 0.00 0.00 CC 0.00 0.00 CC-1B 0.00 0.00 CC-2B 0.00 0.00 CC-3B 0.00 0.00 CC-4A 0.00 0.00 (vii) Class Principal Balances for each Class of Certificates See Page 1 (viii) Aggregate Pooled Security Distribution Date Principal Balance as of the second immediately preceding Pooled Security Distribution 18357662.65 (ix) Aggregate Pooled Security Distribution Date Principal Balance as of the immediately preceding Pooled Security Distribution Date 9239142.15

Structured Assets Mortgage Investment Trust Administrator: Sheryl Christopherson Pass-Through Certificates, Series 2002-3 US Bank, NA 60 Livingston Ave STATEMENT TO CERTIFICATEHOLDERS St. Paul, MN 55107 Distribution Date: ~~October~~December,3001 2003 Pursuant to Section 3.06 (b) of the Pooling Agreement dated March 1, 2001 (i) (A), (B), (C), (E), (G), (H) Class A-1 and Class CC-1B Related Pooled Securities Issue Series Cusip Beginning Ending Principal Interest Total Certificate Number Balance Balance Distributed Distributed Distributed AMAC 98-1 (1A-1-5) 00077BEY5 ~~7150203.16~~ 5819460.25 ~~1330742~~5551529.9186 ~~40219~~267930.8939 ~~1370962~~32734.8046 300664.85 MRFC 98-2 (A-11-2)* 060506AB8 0.00 0.00 0.00 0.00 0.00 MRFC 98-2 (A-11-4) 16162TDC7 ~~6359821.57~~ 4447962.71 ~~1911858~~3590459.8764 ~~35140~~857503.2307 ~~1946999~~24917.0958 ~~Total 13510024~~882420.7364 Total 10267422.96 ~~3242601~~9141989.7850 ~~75360~~1125433.1246 ~~3317961~~57652.8904 1183085.49 Current Period Cumulative Stated Effective Realized Realized Interest Interest Interest Interest Losses Losses Shortfall $ Shortfall % Rate Rate AMAC 98-1 (1A-1-5) 0.00 0.00 0.00 0.000% 6.750% 6.750% MRFC 98-2 (A-11-2)* 0.00 0.00 0.00 0.000% 6.750% 0.000% MRFC 98-2 (A-11-4) 0.00 0.00 ~~633~~102.7721 0.~~120~~028% 6.750% 6.~~630~~722% Total 0.00 0.00 0.00 0.000% 0.000% *Interest is Deferred

Class A-2 and Class CC-2B Related Pooled Securities Issue Series Cusip Beginning Ending Principal Interest Total Certificate Number Balance Balance Distributed Distributed Distributed AMAC 98-1 (1A-1-3) 055240KN4 0.00 0.00 0.00 0.00 0.00 CHEMPT 94-3 (A-6 PAC) 055240KV6 ~~2826457.74~~ 2397722.48 ~~428735~~0.2600 ~~16487~~2397722.6748 ~~445222~~13986.9371 2411709.19 CHEMPT 94-3 (A-6 TAC) 055240LQ6 0.00 0.00 0.00 0.00 0.00 GECMS 96-6 (A-12B TAC) 172953JE2 0.00 0.00 0.00 0.00 0.00 GECMS 96-6 (A-12C TAC) 12669AK37 0.00 0.00 0.00 0.00 0.00 GECMS 97-9 (1-A11 4) 36157RWB7 0.00 0.00 0.00 0.00 0.00 HSMS 98-2 (1A-1 three) 36157RYG4 0.00 0.00 0.00 0.00 0.00 PHMSC 95-7 (A-11B) 66937REF2 0.00 0.00 0.00 0.00 0.00 PHMSC 95-7 (A-11C) 66937RGW3 0.00 0.00 0.00 0.00 0.00 PHMSC 96-6 (A-4 TAC ACC) 66937RQQ5 0.00 0.00 0.00 0.00 0.00 PHMSC 98-1 (II-A-1-2) 69348RAN6 0.00 0.00 0.00 0.00 0.00 PHMSC 98-1 (II-A-1-5) 69348RAU0 ~~2061448~~0.3100 0.00 ~~2061448~~0.3100 ~~12025~~0.1200 ~~2073473~~0.4300 Total ~~4887906.05~~ 2397722.48 ~~2490183~~0.5700 ~~28512~~2397722.7948 ~~2518696~~13986.3671 2411709.19 Current Period Cumulative Stated Effective Issue Series Realized Realized Interest Interest Interest Interest Certificate Losses Losses Shortfall $ Shortfall % Rate Rate AMAC 98-1 (1A-1-3) 0.00 0.00 0.00 0.000% 7.000% 0.000% CHEMPT 94-3 (A-6 PAC) 0.00 0.00 0.00 0.000% 7.000% 7.000% CHEMPT 94-3 (A-6 TAC) 0.00 0.00 0.00 0.000% 7.000% 0.000% GECMS 96-6 (A-12B TAC) 0.00 0.00 0.00 0.000% 7.000% 0.000% GECMS 96-6 (A-12C TAC) 0.00 0.00 0.00 0.000% 7.000% 0.000% GECMS 97-9 (1-A11 4) 0.00 0.00 0.00 0.000% 7.000% 0.000% HSMS 98-2 (1A-1 three) 0.00 0.00 0.00 0.000% 7.000% 0.000% PHMSC 95-7 (A-11B) 0.00 0.00 0.00 0.000% 7.000% 0.000% PHMSC 95-7 (A-11C) 0.00 0.00 0.00 0.000% 7.000% 0.000% PHMSC 96-6 (A-4 TAC ACC) 0.00 0.00 0.00 0.000% 7.000% 0.000% PHMSC 98-1 (II-A-1-2) 0.00 0.00 0.00 0.000% 7.000% 0.000% PHMSC 98-1 (II-A-1-5) 0.00 0.00 0.00 0.000% 7.000% 70.000% Total 0.00 0.00 0.00 0.000% 7.000%

Class A-3 and Class CC-3B Related Pooled Securities Issue Series Cusip Beginning Ending Principal Interest Total Certificate Number Balance Balance Distributed Distributed Distributed CHEMPT 94-3 (A-6 PAC) 060506DQ2 ~~6595068.07~~ 5594685.80 ~~1000382~~0.2700 ~~41219~~5594685.1880 ~~1041601~~34966.4579 5629652.59 CHEMPT 94-3 (A-6 TAC) 1616263L8 0.00 0.00 0.00 0.00 0.00 PHMSC 95-7 (A-11A) 16162TAA4 0.00 0.00 0.00 0.00 0.00 PHMSC 96-6 (A-4 TAC ACC) 16162TDC7 0.00 0.00 0.00 0.00 0.00 PHMSC 98-1 (II-A-1-2) 16162TMW3 0.00 0.00 0.00 0.00 0.00 PNCMS 95-2 (A-7 T-2) 172953EY3 ~~4057924~~0.4300 0.00 ~~4057924~~0.4300 ~~25362~~0.0300 ~~4083286~~0.4600 SASI 95-4 (A-8 ACCSCH) 12669ATF1 0.00 0.00 0.00 0.00 0.00 Total ~~10652992.50~~ 5594685.80 ~~5058306~~0.7000 ~~66581~~5594685.2180 ~~5124887~~34966.9179 5629652.59 Current Period Cumulative Stated Effective Realized Realized Interest Interest Interest Interest Losses Losses Shortfall $ Shortfall % Rate Rate CHEMPT 94-3 (A-6 PAC) 0.00 0.00 0.00 0.000% 7.500% 7.500% CHEMPT 94-3 (A-6 TAC) 0.00 0.00 0.00 0.000% 7.500% 0.000% PHMSC 95-7 (A-11A) 0.00 0.00 0.00 0.000% 7.500% 0.000% PHMSC 96-6 (A-4 TAC ACC) 0.00 0.00 0.00 0.000% 7.500% 0.000% PHMSC 98-1 (II-A-1-2) 0.00 0.00 0.00 0.000% 7.500% 0.000% PNCMS 95-2 (A-7 T-2) 0.00 0.00 0.00 0.000% 7.500% 70.~~500~~000% SASI 95-4 (A-8 ACCSCH) 0.00 0.00 0.00 0.000% 7.500% 0.000% Total 0.00 0.00 0.00 0.000% 7.500%

Class CC-4A Related Pooled Securities Issue Series Cusip Beginning Ending Principal Interest Total Certificate Number Balance Balance Distributed Distributed Distributed AMAC 98-1 (1A-1-1) 00077BJM6 0.00 0.00 0.00 0.00 0.00 AMAC 98-1 (1A-1-4) 073914YT4 ~~81018.25~~ 65782.20 ~~15236~~65692.0539 89.81 0.00 ~~15236~~89.0581 AMAC 98-1 (1A-1-6)** 16162TNR3 ~~502859.96~~ 430514.58 416843.22 0.00 ~~2828~~2421.5964 ~~2828~~2421.5964 GECMS 97-9 (1-A11 B PO2) 1729215M6 0.00 0.00 0.00 0.00 0.00 HSMS 98-2 (1A-1 One) 172953CA7 0.00 0.00 0.00 0.00 0.00 HSMS 98-2 (1A-1 Four) 172953FZ9 ~~16068.54~~ 16035.93 3215469.6183 566.10 0.00 32566.6110 HSMS 98-2 (1A-1 Five)** 12669BDE9 ~~507459.93~~ 409881.41 381710.11 0.00 ~~2854~~2305.4658 ~~2854~~2305.4658 MRFC 98-2 (A-11-5)** 12669BDF6 ~~18304717.36~~ 15841253.39 14698843.56 0.00 ~~2041~~1830.5958 ~~2041~~1830.5958 MRFC 98-2 (A-11-6) 12669BKC5 ~~16492.54~~ 16154.61 ~~337~~16131.9375 22.86 0.00 ~~337~~22.9386 PHMSC 96-6 (A-4 PO) 36157RCL7 0.00 0.00 0.00 0.00 0.00 PHMSC 96-6 (A-4 IO B)** 36157RPZ2 0.00 0.00 0.00 0.00 0.00 PNCMS 95-2 (A-7 PO) 36158GGZ5 ~~120019~~0.5700 0.00 ~~120019~~0.5700 0.00 ~~120019~~0.5700 PNCMS 95-2 (A-7 W)** 36157R6S9 ~~8077272~~0.9000 0.00 0.00 ~~673~~0.1100 ~~673~~0.1100 PHMSC 98-1 (II-A-1-1) 66937NXJ2 ~~29318~~0.3900 0.00 ~~29318~~0.3900 0.00 ~~29318~~0.3900 PHMSC 98-1 (II-A-1-4) 66937NL55 ~~23585~~0.9500 0.00 ~~23585~~0.9500 0.00 ~~23585~~0.9500 PHMSC 98-1 (II-A-1-6)** 66937RF53 ~~379756~~0.2900 0.00 0.00 ~~2215~~0.2500 ~~2215~~0.2500 SASI 95-4 (A-8 PO) 69348LTW9 0.00 0.00 0.00 0.00 0.00 Total ~~286503.24~~ 97972.74 ~~188530~~97293.5097 ~~10613~~678.0077 ~~199143~~6557.5080 7236.57 **Denotes Notional Class Current Period Cumulative Stated Effective Issue Series Realized Realized Interest Interest Interest Interest Certificate Losses Losses Shortfall $ Shortfall % Rate Rate AMAC 98-1 (1A-1-1) 0.00 0.00 0.00 0.000% 0.000% 0.000% AMAC 98-1 (1A-1-4) 0.00 0.00 0.00 0.000% 0.000% 0.000% AMAC 98-1 (1A-1-6)** 0.00 0.00 0.00 0.000% 6.750% 6.750% GECMS 97-9 (1-A11 B PO2) 0.00 0.00 0.00 0.000% 0.000% 0.000% HSMS 98-2 (1A-1 One) 0.00 0.00 0.00 0.000% 0.000% 0.000% HSMS 98-2 (1A-1 Four) 0.00 0.00 0.00 0.000% 0.000% 0.000% HSMS 98-2 (1A-1 Five)** 0.00 0.00 0.00 0.000% 6.750% 6.750% MRFC 98-2 (A-11-5)** 0.00 0.00 0.00 0.000% 0.~~134~~139% 0.~~134~~139% MRFC 98-2 (A-11-6) 0.00 0.00 0.00 0.000% 0.000% 0.000% PHMSC 96-6 (A-4 PO) 0.00 0.00 0.00 0.000% 0.000% 0.000% PHMSC 96-6 (A-4 IO B)** 0.00 0.00 0.00 0.000% 0.000% 0.000% PNCMS 95-2 (A-7 PO) 0.00 0.00 0.00 0.000% 0.000% 0.000% PNCMS 95-2 (A-7 W)** 0.00 0.00 0.00 0.000% 0.100% 0.~~100~~000% PHMSC 98-1 (II-A-1-1) 0.00 0.00 0.00 0.000% 0.000% 0.000% PHMSC 98-1 (II-A-1-4) 0.00 0.00 0.00 0.000% 0.000% 0.000% PHMSC 98-1 (II-A-1-6)** 0.00 0.00 0.00 0.000% 7.000% 70.000% SASI 95-4 (A-8 PO) 0.00 0.00 0.00 0.000% 0.000% 0.000% Total 0.00 0.00 0.00 0.000% 4480.~~452~~322% **Denotes Notional Class

Class CC-IO Related Pooled Securities Issue Series Cusip Beginning Ending Principal Interest Total Certificate Number Balance Balance Distributed Distributed Distributed AMAC 98-1 (1A-1-2)** 1729215M6 0.00 0.00 0.00 0.00 0.00 GECMS 96-6 (A-12D IO)** 12669BKC5 0.00 0.00 0.00 0.00 0.00 GECMS 97-9 (1-A11 F IO6)** 12669BHC9 0.00 0.00 0.00 0.00 0.00 HSMS 98-2 (1A-1 Two)** 36157R6S9 0.00 0.00 0.00 0.00 0.00 MRFC 98-2 (A-11-3)** 66937RF53 0.00 0.00 0.00 0.00 0.00 PHMSC 95-7 (A-11A)** 74434UQW7 0.00 0.00 0.00 0.00 0.00 PHMSC 96-6 (A-4 IO a)** 76110FV34 0.00 0.00 0.00 0.00 0.00 PNCMS 95-2 (A-7-S-2) ** 760944QB7 ~~1720138~~0.0900 0.00 0.00 ~~1075~~0.0900 ~~1075~~0.0900 PHMSC 98-1 (II-A-1-3)** ~~38271~~0.0800 0.00 0.00 ~~228~~0.0300 ~~228~~0.0300 SASI 95-4 (A-8 IO)** 0.00 0.00 0.00 0.00 0.00 Total ~~1758409~~0.1700 0.00 0.00 ~~1303~~0.1200 ~~1303~~0.1200 **Denotes Notional Class Current Period Cumulative Stated Effective Issue Series Realized Realized Interest Interest Interest Interest Certificate Losses Losses Shortfall $ Shortfall % Rate Rate AMAC 98-1 (1A-1-2)** 0.00 0.00 0.00 0.000% 7.000% 0.000% GECMS 96-6 (A-12D IO)** 0.00 0.00 0.00 0.000% 7.000% 0.000% GECMS 97-9 (1-A11 F IO6)** 0.00 0.00 0.00 0.000% 0.500% 0.000% HSMS 98-2 (1A-1 Two)** 0.00 0.00 0.00 0.000% 7.000% 0.000% MRFC 98-2 (A-11-3)** 0.00 0.00 0.00 0.000% 6.750% 0.000% PHMSC 95-7 (A-11A)** 0.00 0.00 0.00 0.000% 1.100% 0.000% PHMSC 96-6 (A-4 IO a)** 0.00 0.00 0.00 0.000% 7.250% 0.000% PNCMS 95-2 (A-7-S-2) ** 0.00 0.00 0.00 0.000% 0.750% 0.~~750~~000% PHMSC 98-1 (II-A-1-3)** 0.00 0.00 0.00 0.000% 7.150% 70.~~150~~000% SASI 95-4 (A-8 IO)** 0.00 0.00 0.00 0.000% 7.500% 0.000% Total 0.00 0.00 0.00 0.000% 0.~~875~~000% **Denotes Notional Class

CASH RECONCILIATION DEAL NAME: Structured Asset Mortgage Investment Trust 2002-3 SERIES: Pass-Through Certificates, Series 2002-3 ISSUE DATE: 04/30/02 DISTRIBUTION DATE: 12/01/03 RUN DATE: 12/01/03 CASH RECONCILIATION A. Collections on Underlying Certificates 9231683.85 Total Collections 9231683.85 DISTRIBUTION SUMMARY AND RECONCILIATION: B. Distributions (Section 3.05) 1A 0.00 2A 0.00 3A 0.00 CC 9231683.52 R 0.00 CC-1B 1183085.50 CC-2B 2411708.88 CC-3B 5629652.57 CC-4A 7236.57 CC-IO 0.00 Total Amount Distributed 9231683.52 Difference between A and B 0.33

Filing Compare · STRUCTURED ASSET MORTGAGE INVESTMENTS TRUST 2002-3