8-K 1 rma02001.txt DECEMBER 8-K 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): December 26, 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 December 26, 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 December 26, 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: 1/3/03 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 December 26, 2002 distribution. EX-99.1

Renaissance Mortgage Acceptance Corp. Mortgage Pass-Through Certificates Record Date: 1011/3130/02 Distribution Date: 1112/2526/02 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.~~99000~~54000% 2320,~~010~~601,~~048~~540.2627 3927,~~430~~319.2793 2,~~408~~100,~~507~~005.9982 AF-2 759950AB4 SEN 5.72000% 64,160,000.00 305,829.3332 0.00 AV-1 759950AC2 SEN 21.~~18000~~73000% 4442,~~090~~702,~~819~~411.1745 8263,~~768~~614.2673 1,~~388~~053,~~407~~024.7257 M-1 759950AD0 SUB 2.~~88000~~43000% 12,250,000.00 3025,~~380~~633.0012 0.00 M-2 759950AE8 SUB 3.~~78000~~33000% 8,750,000.00 2825,~~481~~090.2562 0.00 B 759950AF5 SUB 4.~~83000~~38000% 7,000,000.00 2926,~~114~~401.1767 0.00 BIO RMA021BIO SEN 0.00000% 0.01 ~~736~~745,~~764~~166.5851 0.00 P RMA02002P SEN 0.00000% 100.00 ~~102~~77,~~126~~677.0822 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 ~~159~~155,~~260~~464,~~967~~051.4473 1,~~354~~296,~~893~~733.9412 3,~~796~~153,~~915~~030.7139

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses AF-1 0.00 2018,~~601~~501,~~540~~534.2745 2,~~447~~127,~~938~~325.2675 0.00 AF-2 0.00 64,160,000.00 305,829.3332 0.00 AV-1 0.00 4241,~~702~~649,~~411~~386.4588 1,~~471~~116,~~175~~639.9830 0.00 M-1 0.00 12,250,000.00 3025,~~380~~633.0012 0.00 M-2 0.00 8,750,000.00 2825,~~481~~090.2562 0.00 B 0.00 7,000,000.00 2926,~~114~~401.1767 0.00 BIO 0.00 0.01 ~~736~~745,~~764~~166.5851 0.00 P 0.00 100.00 ~~102~~77,~~126~~677.0822 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 ~~155~~152,~~464~~311,~~051~~021.7334 54,~~151~~449,~~809~~763.6551 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 2320,~~010~~601,~~048~~540.2627 9093,~~795~~893.3281 2,~~317~~006,~~712~~112.6701 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 4442,~~090~~702,~~819~~411.1745 5247,~~339~~082.8400 1,~~336~~005,~~067~~942.8857 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 ~~159~~155,~~260~~464,~~967~~051.4473 ~~143~~140,~~135~~975.1681 3,~~653~~012,~~780~~054.5558 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 2,~~408~~100,~~507~~005.9982 2018,~~601~~501,~~540~~534.2745 0.~~67435484~~60561488 2,~~408~~100,~~507~~005.9982 AF-2 0.00 64,160,000.00 1.00000000 0.00 AV-1 1,~~388~~053,~~407~~024.7257 4241,~~702~~649,~~411~~386.4588 0.~~87522877~~85364597 1,~~388~~053,~~407~~024.7257 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 3,~~796~~153,~~915~~030.7139 ~~155~~152,~~464~~311,~~051~~021.7334 0.~~90649540~~88811039 3,~~796~~153,~~915~~030.7139

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 ~~753~~674.~~19306907~~35483699 23.~~97202357~~07344714 7565.~~86620851~~66651424 0.00000000 AF-2 64,160,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 AV-1 48,790,000.00 ~~903~~875.~~68557430~~22876512 10.~~07275753~~96499283 2720.~~38405165~~61780221 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 7868.~~83823208~~73996137 ~~674~~605.~~35483699~~61487561 0.~~67435484~~60561488 7868.~~83823208~~73996137 AF-2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 AV-1 0.00000000 2821.~~45680918~~58279504 ~~875~~853.~~22876512~~64597008 0.~~87522877~~85364597 2821.~~45680918~~58279504 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.~~99000~~54000% 2320,~~010~~601,~~048~~540.2627 3927,~~430~~319.2793 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 21.~~18000~~73000% 4442,~~090~~702,~~819~~411.1745 8263,~~768~~614.2773 0.00 0.00 M-1 12,250,000.00 2.~~88000~~43000% 12,250,000.00 3025,~~380~~633.0013 0.00 0.00 M-2 8,750,000.00 3.~~78000~~33000% 8,750,000.00 2825,~~481~~090.2563 0.00 0.00 B 7,000,000.00 4.~~83000~~38000% 7,000,000.00 2926,~~114~~401.1767 0.00 0.00 BIO 0.00 0.00000% 0.01 ~~736~~745,~~764~~166.5851 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,~~252~~219,~~767~~055.8793 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 3927,~~430~~319.2793 0.00 2018,~~601~~501,~~540~~534.2745 AF-2 0.0001 0.00 305,829.3332 0.00 64,160,000.00 AV-1 0.00 0.00 8263,~~768~~614.2673 0.00 4241,~~702~~649,~~411~~386.4588 M-1 0.00 0.00 3025,~~380~~633.0012 0.00 12,250,000.00 M-2 0.00 0.00 2825,~~481~~090.2562 0.00 8,750,000.00 B 0.00 0.00 2926,~~114~~401.1767 0.00 7,000,000.00 BIO 0.00 0.00 ~~736~~745,~~764~~166.5851 0.00 0.01 P 0.00 0.00 ~~102~~77,~~126~~677.0822 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 0.0001 0.00 1,~~354~~296,~~893~~733.9412 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.~~99000~~54000% ~~753~~674.~~19306907~~35483699 10.~~29067987~~89426939 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 21.~~18000~~73000% ~~903~~875.~~68557430~~22876512 1.~~69641873~~30384771 0.00000000 0.00000000 M-1 12,250,000.00 2.~~88000~~43000% 1000.00000000 2.~~48000000~~09250041 0.00000000 0.00000000 M-2 8,750,000.00 3.~~78000~~33000% 1000.00000000 32.~~25500000~~86750057 0.00000000 0.00000000 B 7,000,000.00 4.~~83000~~38000% 1000.00000000 43.~~15916714~~77166714 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 10.~~29067987~~89426939 0.00000000 ~~674~~605.~~35483699~~61487561 AF-2 0.~~00000000~~00000016 0.00000000 4.~~76666661~~76666646 0.00000000 1000.00000000 AV-1 0.00000000 0.00000000 1.~~69641853~~30384771 0.00000000 ~~875~~853.~~22876512~~64597008 M-1 0.00000000 0.00000000 2.~~48000000~~09249959 0.00000000 1000.00000000 M-2 0.00000000 0.00000000 32.~~25500000~~86749943 0.00000000 1000.00000000 B 0.00000000 0.00000000 43.~~15916714~~77166714 0.00000000 1000.00000000 BIO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 P 0.00000000 0.00000000 ~~1021260~~776772.~~80000000~~20000000 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 54,~~256~~555,~~488~~989.7693 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 0.00 Realized Losses 0(4,062.0074) Prepayment Penalties 0.00 Total Deposits 54,~~256~~551,~~488~~927.7619 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee ~~104~~102,~~679~~163.1168 Payment of Interest and Principal 54,~~151~~449,~~809~~763.6551 Total Withdrawals (Pool Distribution Amount) 54,~~256~~551,~~488~~927.7619 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 0.0001

SERVICING FEES Gross Servicing Fee 8886,~~162~~105.1653 FSA Fee 1312,~~126~~746.0940 Trustee Fee- Wells Fargo Bank Minnnesota, N.A. 3,~~390~~311.8675 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee ~~104~~102,~~679~~163.1168

OTHER ACCOUNTS Beginning Current Current Ending Account Type Balance Withdrawals Deposits Balance Reserve Fund 10,000.00 074.0068 074.0068 10,000.00

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 1012 0 0 1012 ~~552~~618,~~577~~716.8964 0.00 0.00 ~~552~~618,~~577~~716.8964 30 Days 6076 2 0 0 6278 56,~~763~~249,~~646~~685.2952 ~~196~~129,~~963~~798.4825 0.00 0.00 56,~~960~~379,~~609~~483.77 60 Days 915 01 103 0 19 ~~786~~1,~~662~~575,346.1445 0143,142.0049 ~~950~~266,~~402~~799.4989 0.00 1,~~737~~985,~~064~~288.6383 90 Days 6 2 1611 0 2419 ~~560~~772,~~286~~522.0402 ~~257~~152,~~324~~491.5278 1695,~~193,652~~992.3792 0.00 21,~~011~~621,~~262~~006.9372 120 Days 34 01 12 10 1617 ~~255~~317,~~332~~830.4193 0160,847.0014 ~~791~~745,~~076~~059.4789 ~~99,667~~0.9400 1,~~146~~223,~~076~~737.8296 150 Days 04 0 711 02 717 0295,651.0006 0.00 ~~406~~718,~~972~~286.1145 0172,058.0043 ~~406~~1,~~972~~185,995.1194 180+ Days 02 0 1314 34 1620 0127,675.0047 0.00 1,~~224~~319,~~237~~457.0843 ~~162~~210,~~081~~463.0730 1,~~386~~657,~~318~~596.1520 Totals 78107 1418 5851 46 ~~154~~182 79,~~365~~338,~~926~~711.8845 1,~~006~~204,~~865~~996.8930 43,~~566~~745,~~340~~596.5258 ~~261~~382,~~749~~521.0173 1314,~~200~~671,~~882~~826.3006 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.~~609385~~743955% 0.000000% 0.000000% 0.~~609385~~743955% 0.~~347612~~397094% 0.000000% 0.000000% 0.~~347612~~397094% 30 Days 34.~~656307~~711717% 0.~~121877~~123993% 0.000000% 0.000000% 34.~~778184~~835710% 34.~~625756~~011069% 0.~~123904~~083305% 0.000000% 0.000000% 34.~~749660~~094374% 60 Days 0.~~548446~~929944% 0.~~000000~~061996% 0.~~609385~~185989% 0.000000% 1.~~157831~~177929% 01.~~494868~~011063% 0.~~000000~~091869% 0.~~597873~~171233% 0.000000% 1.~~092741~~274165% 90 Days 0.~~365631~~371978% 0.~~121877~~123993% 0.~~975015~~681959% 0.000000% 1.~~462523~~177929% 0.~~352461~~495807% 0.~~161876~~097870% 0.~~750895~~446691% 0.000000% 1.~~265232~~040367% 120 Days 0.~~182815~~247985% 0.~~000000~~061996% 0.~~731261~~743955% 0.~~060938~~000000% 01.~~975015~~053937% 0.~~160623~~203985% 0.~~000000~~103232% 0.~~497645~~478182% 0.~~062698~~000000% 0.~~720966~~785399% 150 Days 0.~~000000~~247985% 0.000000% 0.~~426569~~681959% 0.~~000000~~123993% 01.~~426569~~053937% 0.~~000000~~189750% 0.000000% 0.~~256015~~460999% 0.~~000000~~110428% 0.~~256015~~761176% 180+ Days 0.~~000000~~123993% 0.000000% 0.~~792200~~867948% 0.~~182815~~247985% 01.~~975015~~239926% 0.~~000000~~081943% 0.000000% 0.~~770135~~846832% 0.~~101961~~135076% 01.~~872096~~063851% Totals 46.~~753199~~633602% 01.~~853138~~115933% 3.~~534430~~161810% 0.~~243754~~371978% 911.~~384522~~283323% 45.~~633707~~993616% 0.~~633392~~773371% 2.~~872563~~403936% 0.~~164659~~245504% 89.~~304322~~416427%

COLLATERAL STATEMENT Collateral Description Mixed Fixed & Arm Weighted Average Gross Coupon 10.~~008154~~003832% Weighted Average Net Coupon 9.~~358154~~353832% Weighted Average Pass-Through Rate 9.~~333154~~328832% Weighted Average Maturity (Stepdown Calculation ) ~~320~~319 Beginning Scheduled Collateral Loan Count 1,~~682~~641 Number Of Loans Paid In Full 4128 Ending Scheduled Collateral Loan Count 1,~~641~~613 Beginning Scheduled Collateral Balance ~~162~~158,~~760~~964,~~920~~005.8110 Ending Scheduled Collateral Balance ~~158~~155,~~964~~810,~~005~~974.1071 Ending Actual Collateral Balance at 3130-~~Oct~~Nov-2002 ~~158~~155,~~964~~810,~~005~~974.1071 Monthly P &I Constant 1,~~500~~466,~~582~~183.1446 Special Servicing Fee 0.00 Prepayment Penalties 0.00 Realized Loss Amount 04,062.0074 Cumulative Realized Loss 04,062.0074 Ending Scheduled Balance for Premium Loans ~~158~~155,~~964~~810,~~005~~974.1071 Scheduled Principal ~~143~~140,~~135~~975.1681 Unscheduled Principal 3,~~653~~012,~~780~~054.5558

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.~~038536~~039494 9.~~857136~~841233 11.~~025861~~017756 Weighted Average Net Rate 9.~~388537~~389494 9.~~207136~~191233 10.~~375860~~367754 Weighted Average Maturity ~~310~~309 ~~345~~344 ~~345~~344 Beginning Loan Count 1,~~073~~050 ~~526~~510 8381 Loans Paid In Full 23 16 212 0 Ending Loan Count 1,~~050~~034 ~~510~~498 81 Beginning Scheduled Balance ~~107~~105,~~960~~552,~~854~~346.2829 5049,~~525~~229,~~601~~470.0051 4,~~274~~182,~~465~~188.5330 Ending scheduled Balance ~~105~~103,~~552~~455,~~346~~046.2937 4948,~~229~~188,~~470~~057.5161 4,~~182~~167,~~188~~870.3073 Record Date 1011/3130/2002 1011/3130/2002 1011/3130/2002 Principal And Interest Constant 1991,~~013,667~~932.9915 ~~440~~429,~~727~~067.9111 4645,~~186~~184.2420 Scheduled Principal ~~110~~108,~~527~~855.1835 25,~~696~~334.4687 6,~~911~~785.5259 Unscheduled Principal 21,~~297~~988,~~980~~444.8157 1,~~270~~016,~~434~~078.03 857,~~365~~531.7198 Scheduled Interest ~~903~~883,~~140~~076.8180 ~~415~~403,~~031~~732.4524 3938,~~274~~398.7261 Servicing Fees 5857,~~478~~174.7920 2726,~~368~~665.0397 2,~~315~~265.3436 Master Servicing Fees 0.00 0.00 0.00 Trustee Fee 2,~~249~~199.1900 1,~~052~~025.62 8987.0513 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 ~~842~~823,~~412~~703.8360 ~~386~~376,~~610~~040.8065 36,~~870~~046.3312 Realized Loss Amount 0.00 04,062.0074 0.00 Cumulative Realized Loss 0.00 04,062.0074 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.~~363536~~364494 9.~~182136~~166233 10.~~350861~~342756

Group Level Collateral Statement Group Total Collateral Description Mixed Fixed & Arm Weighted Average Coupon Rate 10.~~008154~~003832 Weighted Average Net Rate 9.~~358154~~353832 Weighted Average Maturity ~~320~~319 Beginning Loan Count 1,~~682~~641 Loans Paid In Full 4128 Ending Loan Count 1,~~641~~613 Beginning Scheduled Balance ~~162~~158,~~760~~964,~~920~~005.8110 Ending scheduled Balance ~~158~~155,~~964~~810,~~005~~974.1071 Record Date 1011/3130/2002 Principal And Interest Constant 1,~~500~~466,~~582~~183.1446 Scheduled Principal ~~143~~140,~~135~~975.1681 Unscheduled Principal 3,~~653~~012,~~780~~054.5558 Scheduled Interest 1,~~357~~325,~~446~~207.9865 Servicing Fees 8886,~~162~~105.1653 Master Servicing Fees 0.00 Trustee Fee 3,~~390~~311.8675 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,~~265~~235,~~893~~790.9637 Realized Loss Amount 04,062.0074 Cumulative Realized Loss 04,062.0074 Percentage of Cumulative Losses 0.00 Prepayment Penalties 0.00 Special Servicing Fee 0.00 Pass-Through Rate 9.~~333154~~328832

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