8-K 1 rma02001.txt NOVEMBER 8K 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 25, 2002 RENAISSANCE MORTGAGE ACCEPTANCE CORPORATION Home Equity Loan Asset-Backed Certs., Series 2002-1 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-82550-01 52-2385853 Pooling and Servicing Agreement) (Commission 52-2385855 (State or other File Number) IRS EIN jurisdiction of Incorporation) c/o Wells Fargo Bank Minnesota, N.A. 9062 Old Annapolis Road Columbia, MD 21045 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (410) 884-2000 Former name or former address, if changed since last report) ITEM 5. Other Events On November 25, 2002 a distribution was made to holders of RENAISSANCE MORTGAGE ACCEPTANCE CORPORATION, Home Equity Loan Asset-Backed Certs., Series 2002-1 Trust. 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 Home Equity Loan Asset-Backed Certs., Series 2002-1 Trust, relating to the November 25, 2002 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 hereunto duly authorized. RENAISSANCE MORTGAGE ACCEPTANCE CORPORATION Home Equity Loan Asset-Backed Certs., Series 2002-1 Trust By: Wells Fargo Bank Minnesota, N.A. as Trustee By: /s/ Beth Belfield, Assistant Vice President By: Beth Belfield, Assistant Vice President Date: 12/10/02 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Home Equity Loan Asset-Backed Certs., Series 2002-1 Trust, relating to the November 25, 2002 distribution. EX-99.1

Renaissance Mortgage Acceptance Corp. Mortgage Pass-Through Certificates Record Date: ~~9/30/02~~ 10/2531/02 Distribution Date: 11/25/02 RMAC Series: 2002-1 Contact: Customer Service - CTSLink Wells Fargo Bank Minnesota, N.A. Securities Administration Services 7485 New Horizon Way Frederick, MD 21703 Telephone: (301) 815-6600 Fax: (301) 815-6660 Certificateholder Distribution Summary Certificate Certificate Beginning Class Pass-Through Certificate Interest Principal Class CUSIP Description Rate Balance Distribution Distribution AF-1 759950AA6 SEN 1.~~97375~~99000% 2423,~~798~~010,~~876~~048.8326 4039,~~788~~430.9927 12,~~788~~408,~~828~~507.5799 AF-2 759950AB4 SEN 5.72000% 64,160,000.00 305,829.33 0.00 AV-1 759950AC2 SEN 2.~~16375~~18000% 44,~~669~~090,~~304~~819.4717 8082,~~544~~768.3426 ~~578~~1,~~485~~388,407.3072 M-1 759950AD0 SUB 2.~~86375~~88000% 12,250,000.00 2930,~~234~~380.1100 0.00 M-2 759950AE8 SUB 3.~~76375~~78000% 8,750,000.00 2728,~~444~~481.0125 0.00 B 759950AF5 SUB 4.~~81375~~83000% 7,000,000.00 2829,~~080~~114.2117 0.00 BIO RMA021BIO SEN 0.00000% 0.01 ~~760~~736,~~132~~764.2758 0.00 P RMA02002P SEN 0.00000% 100.00 33102,~~234~~126.2708 0.00 R-1 RMA0201R1 RES 0.00000% 0.00 0.00 0.00 R-2 RMA0201R2 RES 0.00000% 0.00 0.00 0.00 Totals ~~161~~159,~~628~~260,~~281~~967.3144 1,~~305~~354,~~287~~893.5394 23,~~367~~796,~~313~~915.8771

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses AF-1 0.00 2320,~~010~~601,~~048~~540.2627 12,~~829~~447,~~617~~938.5626 0.00 AF-2 0.00 64,160,000.00 305,829.33 0.00 AV-1 0.00 4442,~~090~~702,~~819~~411.1745 ~~659~~1,~~029~~471,175.6498 0.00 M-1 0.00 12,250,000.00 2930,~~234~~380.1100 0.00 M-2 0.00 8,750,000.00 2728,~~444~~481.0125 0.00 B 0.00 7,000,000.00 2829,~~080~~114.2117 0.00 BIO 0.00 0.01 ~~760~~736,~~132~~764.2758 0.00 P 0.00 100.00 33102,~~234~~126.2708 0.00 R-1 0.00 0.00 0.00 0.00 R-2 0.00 0.00 0.00 0.00 Totals 0.00 ~~159~~155,~~260~~464,~~967~~051.4473 35,~~672~~151,~~601~~809.4065 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 Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Realized Class Amount Balance Distribution Distribution Accretion Loss (1) AF-1 30,550,000.00 2423,~~798~~010,~~876~~048.8326 ~~108~~90,~~404~~795.8832 12,~~680~~317,~~423~~712.6967 0.00 0.00 AF-2 64,160,000.00 64,160,000.00 0.00 0.00 0.00 0.00 AV-1 48,790,000.00 44,~~669~~090,~~304~~819.4717 3552,~~056~~339.8284 ~~543~~1,~~428~~336,067.4888 0.00 0.00 M-1 12,250,000.00 12,250,000.00 0.00 0.00 0.00 0.00 M-2 8,750,000.00 8,750,000.00 0.00 0.00 0.00 0.00 B 7,000,000.00 7,000,000.00 0.00 0.00 0.00 0.00 BIO 0.00 0.01 0.00 0.00 0.00 0.00 P 100.00 100.00 0.00 0.00 0.00 0.00 R-1 0.00 0.00 0.00 0.00 0.00 0.00 R-2 0.00 0.00 0.00 0.00 0.00 0.00 Totals 171,500,100.00 ~~161~~159,~~628~~260,~~281~~967.3144 143,~~461~~135.7016 23,~~223~~653,~~852~~780.1755 0.00 0.00 (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 Statement (continued) Total Ending Ending Total Principal Certificate Certificate Principal Class Reduction Balance Percentage Distribution AF-1 12,~~788~~408,~~828~~507.5799 2320,~~010~~601,~~048~~540.2627 0.~~75319307~~67435484 12,~~788~~408,~~828~~507.5799 AF-2 0.00 64,160,000.00 1.00000000 0.00 AV-1 ~~578~~1,~~485~~388,407.3072 4442,~~090~~702,~~819~~411.1745 0.~~90368557~~87522877 ~~578~~1,~~485~~388,407.3072 M-1 0.00 12,250,000.00 1.00000000 0.00 M-2 0.00 8,750,000.00 1.00000000 0.00 B 0.00 7,000,000.00 1.00000000 0.00 BIO 0.00 0.01 0.00000000 0.00 P 0.00 100.00 1.00000000 0.00 R-1 0.00 0.00 0.00000000 0.00 R-2 0.00 0.00 0.00000000 0.00 Totals 23,~~367~~796,~~313~~915.8771 ~~159~~155,~~260~~464,~~967~~051.4473 0.~~92863484~~90649540 23,~~367~~796,~~313~~915.8771

Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion AF-1 30,550,000.00 ~~811~~753.~~74719574~~19306907 32.~~54844124~~97202357 5575.~~00568543~~86620851 0.00000000 AF-2 64,160,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 AV-1 48,790,000.00 ~~915~~903.~~54221090~~68557430 01.~~71852470~~07275753 1127.~~13811191~~38405165 0.00000000 M-1 12,250,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-2 8,750,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 B 7,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 BIO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 P 100.00 1000.00000000 0.00000000 0.00000000 0.00000000 R-1 0.00 0.00000000 0.00000000 0.00000000 0.00000000 R-2 0.00 0.00000000 0.00000000 0.00000000 0.00000000 (2) All classes are per $1,000 denomination

Principal Distribution Factors Statement (continued) Total Ending Ending Total Realized Principal Certificate Certificate Principal Class Loss (3) Reduction Balance Percentage Distribution AF-1 0.00000000 5878.~~55412668~~83823208 ~~753~~674.~~19306907~~35483699 0.~~75319307~~67435484 5878.~~55412668~~83823208 AF-2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 AV-1 0.00000000 1128.~~85663661~~45680918 ~~903~~875.~~68557430~~22876512 0.~~90368557~~87522877 1128.~~85663661~~45680918 M-1 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M-2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 B 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 BIO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 P 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 R-1 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R-2 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 (3) Amount Does Not Include Excess Special Hazard, Bankrupcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

Interest Distribution Statement Beginning Payment of Original Current Certificate/ Current Unpaid Current Face Certificate Notional Accrued Interest Interest Class Amount Rate Balance Interest Shortfall Shortfall AF-1 30,550,000.00 1.~~97375~~99000% 2423,~~798~~010,~~876~~048.8326 4039,~~788~~430.9927 0.00 0.00 AF-2 64,160,000.00 5.72000% 64,160,000.00 305,829.33 0.00 0.00 AV-1 48,790,000.00 2.~~16375~~18000% 44,~~669~~090,~~304~~819.4717 8082,~~544~~768.3427 0.00 0.00 M-1 12,250,000.00 2.~~86375~~88000% 12,250,000.00 2930,~~234~~380.1100 0.00 0.00 M-2 8,750,000.00 3.~~76375~~78000% 8,750,000.00 2728,~~444~~481.0125 0.00 0.00 B 7,000,000.00 4.~~81375~~83000% 7,000,000.00 2829,~~080~~114.2117 0.00 0.00 BIO 0.00 0.00000% 0.01 ~~760~~736,~~132~~764.2758 0.00 0.00 P 100.00 0.00000% 100.00 0.00 0.00 0.00 R-1 0.00 0.00000% 0.00 0.00 0.00 0.00 R-2 0.00 0.00000% 0.00 0.00 0.00 0.00 Totals 171,500,100.00 1,~~272~~252,~~053~~767.2687 0.00 0.00

Interest Distribution Statement (continued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (4) Distribution Shortfall Balance AF-1 0.00 0.00 4039,~~788~~430.9927 0.00 2320,~~010~~601,~~048~~540.2627 AF-2 0.00 0.00 305,829.33 0.00 64,160,000.00 AV-1 0.00 0.00 8082,~~544~~768.3426 0.00 4442,~~090~~702,~~819~~411.1745 M-1 0.00 0.00 2930,~~234~~380.1100 0.00 12,250,000.00 M-2 0.00 0.00 2728,~~444~~481.0125 0.00 8,750,000.00 B 0.00 0.00 2829,~~080~~114.2117 0.00 7,000,000.00 BIO 0.00 0.00 ~~760~~736,~~132~~764.2758 0.00 0.01 P 0.00 0.00 33102,~~234~~126.2708 0.00 100.00 R-1 0.00 0.00 0.00 0.00 0.00 R-2 0.00 0.00 0.00 0.00 0.00 Totals 0.00 0.00 1,~~305~~354,~~287~~893.5394 0.00 (4) Amount Does Not Include Excess Special Hazard, Bankrupcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

Interest Distribution Factors Statement Beginning Payment of Original Current Certificate/ Current Unpaid Current Face Certificate Notional Accrued Interest Interest Class (5) Amount Rate Balance Interest Shortfall Shortfall AF-1 30,550,000.00 1.~~97375~~99000% ~~811~~753.~~74719574~~19306907 1.~~33515516~~29067987 0.00000000 0.00000000 AF-2 64,160,000.00 5.72000% 1000.00000000 4.76666661 0.00000000 0.00000000 AV-1 48,790,000.00 2.~~16375~~18000% ~~915~~903.~~54221090~~68557430 1.~~65083706~~69641873 0.00000000 0.00000000 M-1 12,250,000.00 2.~~86375~~88000% 1000.00000000 2.~~38645796~~48000000 0.00000000 0.00000000 M-2 8,750,000.00 3.~~76375~~78000% 1000.00000000 3.~~13645829~~25500000 0.00000000 0.00000000 B 7,000,000.00 4.~~81375~~83000% 1000.00000000 4.~~01145857~~15916714 0.00000000 0.00000000 BIO 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 P 100.00 0.00000% 1000.00000000 0.00000000 0.00000000 0.00000000 R-1 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 R-2 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 (5) All classes are per $1,000 denomination

Interest Distribution Factors Statement (continued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (6) Distribution Shortfall Balance AF-1 0.00000000 0.00000000 1.~~33515516~~29067987 0.00000000 ~~753~~674.~~19306907~~35483699 AF-2 0.00000000 0.00000000 4.76666661 0.00000000 1000.00000000 AV-1 0.00000000 0.00000000 1.~~65083706~~69641853 0.00000000 ~~903~~875.~~68557430~~22876512 M-1 0.00000000 0.00000000 2.~~38645796~~48000000 0.00000000 1000.00000000 M-2 0.00000000 0.00000000 3.~~13645829~~25500000 0.00000000 1000.00000000 B 0.00000000 0.00000000 4.~~01145857~~15916714 0.00000000 1000.00000000 BIO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 P 0.00000000 0.00000000 ~~332342~~1021260.~~70000000~~80000000 0.00000000 1000.00000000 R-1 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R-2 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 (6) Amount Does Not Include Excess Special Hazard, Bankrupcy,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 35,~~778~~256,~~848~~488.8876 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 35,~~778~~256,~~848~~488.8876 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee ~~106~~104,~~247~~679.4811 Payment of Interest and Principal 35,~~672~~151,~~601~~809.4065 Total Withdrawals (Pool Distribution Amount) 35,~~778~~256,~~848~~488.8876 Ending Balance 0.00

SERVICING FEES Gross Servicing Fee 8988,~~444~~162.4716 FSA Fee 13,~~362~~126.8209 Trustee Fee- Wells Fargo Bank Minnnesota, N.A. 3,~~440~~390.1986 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee ~~106~~104,~~247~~679.4811

LOAN STATUS STRATIFICATION/CREDIT ENHANCEMENT STATEMENT DELINQUENCY STATUS DELINQUENT BANKRUPTCY FORECLOSURE REO Total No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 810 0 0 810 ~~575~~552,~~141~~577.2389 0.00 0.00 ~~575~~552,~~141~~577.2389 30 Days 6260 12 0 0 6362 5,~~167~~763,~~558~~646.7129 96196,~~483~~963.5348 0.00 0.00 5,~~264~~960,~~042~~609.2477 60 Days 119 10 1610 0 2819 ~~844~~786,~~781~~662.7814 ~~160,918~~0.1400 1950,~~176,507~~402.8349 0.00 21,~~182~~737,~~207~~064.7563 90 Days 6 2 116 19 0 2224 ~~149~~560,~~838~~286.3004 ~~105~~257,~~688~~324.4152 1,~~345~~193,~~648~~652.4337 0.00 12,~~601~~011,~~175~~262.1493 120 Days 23 0 612 01 816 ~~186~~255,~~563~~332.4841 0.00 ~~320~~791,~~260~~076.0947 099,667.0094 ~~506~~1,~~823~~146,076.5782 150 Days 10 0 57 0 67 ~~44,872~~0.1300 0.00 ~~662~~406,~~085~~972.5111 0.00 ~~706~~406,~~957~~972.6411 180+ Days 10 0 1213 23 1516 ~~84,751~~0.1900 0.00 ~~743~~1,~~155~~224,237.2008 ~~127~~162,~~114~~081.1707 ~~955~~1,~~020~~386,318.5615 Totals 7978 1114 58 24 ~~150~~154 67,~~478,~~365,926.5988 ~~938~~1,~~231~~006,865.3189 4,~~247~~566,~~657~~340.0652 ~~127~~261,~~114~~749.1701 1113,~~791~~200,~~368~~882.1330 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0.~~475624~~609385% 0.000000% 0.000000% 0.~~475624~~609385% 0.~~353366~~347612% 0.000000% 0.000000% 0.~~353366~~347612% 30 Days 3.~~686088~~656307% 0.~~059453~~121877% 0.000000% 0.000000% 3.~~745541~~778184% 3.~~174938~~625756% 0.~~059279~~123904% 0.000000% 0.000000% 3.~~234218~~749660% 60 Days 0.~~653983~~548446% 0.~~059453~~000000% 0.~~951249~~609385% 0.000000% 1.~~664685~~157831% 0.~~519032~~494868% 0.~~098868~~000000% 0.~~722844~~597873% 0.000000% 1.~~340744~~092741% 90 Days 0.~~118906~~365631% 0.~~059453~~121877% 10.~~129608~~975015% 0.000000% 1.~~307967~~462523% 0.~~092060~~352461% 0.~~064935~~161876% 0.~~826764~~750895% 0.000000% 01.~~983759~~265232% 120 Days 0.~~118906~~182815% 0.000000% 0.~~356718~~731261% 0.~~000000~~060938% 0.~~475624~~975015% 0.~~114624~~160623% 0.000000% 0.~~196767~~497645% 0.~~000000~~062698% 0.~~311391~~720966% 150 Days 0.~~059453~~000000% 0.000000% 0.~~297265~~426569% 0.000000% 0.~~356718~~426569% 0.~~027569~~000000% 0.000000% 0.~~406784~~256015% 0.000000% 0.~~434353~~256015% 180+ Days 0.~~059453~~000000% 0.000000% 0.~~713436~~792200% 0.~~118906~~182815% 0.~~891795~~975015% 0.~~052071~~000000% 0.000000% 0.~~456593~~770135% 0.~~078099~~101961% 0.~~586763~~872096% Totals 4.~~696790~~753199% 0.~~653983~~853138% 3.~~448276~~534430% 0.~~118906~~243754% 89.~~917955~~384522% 34.~~980295~~633707% 0.~~576448~~633392% 2.~~609752~~872563% 0.~~078099~~164659% 78.~~244594~~304322%

COLLATERAL STATEMENT Collateral Description Mixed Fixed & Arm Weighted Average Gross Coupon 10.~~016221~~008154% Weighted Average Net Coupon 9.~~366221~~358154% Weighted Average Pass-Through Rate 9.~~341221~~333154% Weighted Average Maturity(Stepdown Calculation ) ~~321~~320 Beginning Scheduled Collateral Loan Count 1,~~707~~682 Number Of Loans Paid In Full 2541 Ending Scheduled Collateral Loan Count 1,~~682~~641 Beginning Scheduled Collateral Balance ~~165~~162,~~128~~760,~~234~~920.6881 Ending Scheduled Collateral Balance ~~162~~158,~~760~~964,~~920~~005.8110 Ending Actual Collateral Balance at 3031-~~Sep~~Oct-2002 ~~162~~158,~~760~~964,~~920~~005.8110 Monthly P &I Constant 1,~~521~~500,~~762~~582.4114 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 ~~162~~158,~~760~~964,~~920~~005.8110 Scheduled Principal 143,~~461~~135.7016 Unscheduled Principal 23,~~223~~653,~~852~~780.1755

Group Level Collateral Statement Group 1 2 3 Collateral Description Mixed Fixed Fixed 15/30 & ARM Fixed 15/30 & ARM Weighted Average Coupon Rate 10.~~045919~~038536 9.~~866195~~857136 11.~~030186~~025861 Weighted Average Net Rate 9.~~395919~~388537 9.~~216195~~207136 10.~~380181~~375860 Weighted Average Maturity ~~311~~310 ~~346~~345 ~~346~~345 Beginning Loan Count 1,~~092~~073 ~~530~~526 8583 Loans Paid In Full 1923 416 2 Ending Loan Count 1,~~073~~050 ~~526~~510 8381 Beginning Scheduled Balance ~~109~~107,~~749~~960,~~682~~854.8528 5150,~~041~~525,~~025~~601.3000 4,~~337~~274,~~526~~465.53 Ending scheduled Balance ~~107~~105,~~960~~552,~~854~~346.2829 5049,~~525~~229,~~601~~470.0051 4,~~274~~182,~~465~~188.5330 Record Date 0910/3031/2002 0910/3031/2002 0910/3031/2002 Principal And Interest Constant 1,~~029~~013,~~623~~667.6399 ~~445~~440,~~329~~727.2591 46,~~809~~186.5324 Scheduled Principal 110,~~843~~527.2718 25,~~678~~696.6746 6,~~939~~911.7652 Unscheduled Principal 12,~~677~~297,~~985~~980.3081 ~~489~~1,~~745~~270,434.6303 5685,~~121~~365.2471 Scheduled Interest ~~918~~903,~~780~~140.3681 ~~419~~415,~~650~~031.5845 39,~~869~~274.7772 Servicing Fees 5958,~~447~~478.7379 27,~~647~~368.2303 2,~~349~~315.5134 Master Servicing Fees 0.00 0.00 0.00 Trustee Fee 2,~~286~~249.4519 1,~~063~~052.3762 9089.3705 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 Fee 1 0.00 0.00 0.00 Spread Fee 2 0.00 0.00 0.00 Spread Fee 3 0.00 0.00 0.00 Net Interest ~~857~~842,~~046~~412.1883 ~~390~~386,~~939~~610.9880 3736,~~429~~870.8933 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 Pass-Through Rate 9.~~370919~~363536 9.~~191195~~182136 10.~~355186~~350861

Group Level Collateral Statement Group Total Collateral Description Mixed Fixed & Arm Weighted Average Coupon Rate 10.~~016221~~008154 Weighted Average Net Rate 9.~~366221~~358154 Weighted Average Maturity ~~321~~320 Beginning Loan Count 1,~~707~~682 Loans Paid In Full 2541 Ending Loan Count 1,~~682~~641 Beginning Scheduled Balance ~~165~~162,~~128~~760,~~234~~920.6881 Ending scheduled Balance ~~162~~158,~~760~~964,~~920~~005.8110 Record Date 0910/3031/2002 Principal And Interest Constant 1,~~521~~500,~~762~~582.4114 Scheduled Principal 143,~~461~~135.7016 Unscheduled Principal 23,~~223~~653,~~852~~780.1755 Scheduled Interest 1,~~378~~357,~~300~~446.7198 Servicing Fees 8988,~~444~~162.4716 Master Servicing Fees 0.00 Trustee Fee 3,~~440~~390.1986 FRY Amount 0.00 Special Hazard Fee 0.00 Other Fee 0.00 Pool Insurance Fee 0.00 Spread Fee 1 0.00 Spread Fee 2 0.00 Spread Fee 3 0.00 Net Interest 1,~~285~~265,~~416~~893.0596 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Percentage of Cumulative Losses 0.00 Prepayment Penalties 0.00 Special Servicing Fee 0.00 Pass-Through Rate 9.~~341221~~333154

Filing Compare · RENAISSANCE HOME EQUITY LOAN ASSET-BKD CERT SERIES 2002-1