8-K 1 ahl02001.txt DECEMBER 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): December 26, 2002 ACCREDITED MORTGAGE LOAN TRUST Asset-Backed Certificates, Series 2002-1 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-07219-03 Pooling and Servicing Agreement) (Commission N/A (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 ACCREDITED MORTGAGE LOAN TRUST, Asset-Backed Certificates, 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 Asset-Backed Certificates, 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. ACCREDITED MORTGAGE LOAN TRUST Asset-Backed Certificates, Series 2002-1 Trust By: Wells Fargo Bank Minnesota, N.A., as Indenture Trustee By: /s/ Beth Belfield, Assistant Vice President By: Beth Belfield, Assistant Vice President Date: 12/31/02 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Asset- Backed Certificates, Series 2002-1 Trust, relating to the December 26, 2002 distribution. EX-99.1

Accredited Home Lenders, Inc. Mortgage Pass-Through Certificates Record Date: ~~10/31/02~~ 11/2530/02 Distribution Date: 12/26/02 AHL 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 A-1 004375AE1 SEN 4.93000% 6766,~~224~~387,~~258~~520.6029 ~~276~~272,~~179~~742.6606 ~~836~~439,~~738~~046.3122 A-2 004375AF8 SEN 21.~~15000~~70000% ~~135~~133,~~587~~484,~~654~~534.4854 ~~251~~195,~~025~~406.4853 2,~~103~~148,~~119~~234.9558 OC AHL0001OC JUN 0.00000% 23,~~450~~330,~~965~~489.5515 0.00 0.00 Trust Cert AHL0001TC RES 0.00000% 0.00 0.00 0.00 Totals ~~205~~203,~~262~~202,~~878~~543.6398 ~~527~~468,~~205~~148.1459 2,~~939~~587,~~858~~280.2680

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses A-1 0.00 6665,~~387~~948,~~520~~474.2907 1711,~~112,917~~788.9728 0.00 A-2 0.00 ~~133~~131,~~484~~336,~~534~~299.5495 2,~~354~~343,~~145~~641.4311 0.00 OC 0.00 34,~~330~~229,~~489~~580.1570 0.00 0.00 Trust Cert 0.00 0.00 0.00 0.00 Totals 0.00 ~~203~~201,~~202~~514,~~543~~354.9872 3,~~467~~055,~~063~~429.4039 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) A-1 68,704,000.00 6766,~~224~~387,~~258~~520.6029 60,~~134~~229.7100 ~~776~~378,~~603~~817.6022 0.00 0.00 A-2 138,694,000.00 ~~135~~133,~~587~~484,~~654~~534.4854 89,~~349~~251.0585 2,~~013~~058,~~770~~982.9073 0.00 0.00 OC 1,158.72 23,~~450~~330,~~965~~489.5515 0.00 0.00 0.00 0.00 Trust Cert 0.00 0.00 0.00 0.00 0.00 0.00 Totals 207,399,158.72 ~~205~~203,~~262~~202,~~878~~543.6398 149,~~483~~480.7685 2,~~790~~437,~~374~~799.5095 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 A-1 ~~836~~439,~~738~~046.3122 6665,~~387~~948,~~520~~474.2907 0.~~96628319~~95989279 ~~836~~439,~~738~~046.3122 A-2 2,~~103~~148,~~119~~234.9558 ~~133~~131,~~484~~336,~~534~~299.5495 0.~~96243914~~94695012 2,~~103~~148,~~119~~234.9558 OC 0.00 34,~~330~~229,~~489~~580.1570 23,~~874~~650.~~28295878~~21808547 0.00 Trust Cert 0.00 0.00 0.00000000 0.00 Totals 2,~~939~~587,~~858~~280.2680 ~~203~~201,~~202~~514,~~543~~354.9872 0.~~97976552~~97162571 2,~~939~~587,~~858~~280.2680

Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion A-1 68,704,000.00 ~~978~~966.~~46207790~~28319006 0.~~87527233~~87664474 115.~~30361551~~51375786 0.00000000 A-2 138,694,000.00 ~~977~~962.~~60288462~~43914329 0.~~64421713~~64351630 14.~~51952428~~84550687 0.00000000 OC 1,158.72 ~~2115235~~2874282.~~38904999~~95878210 0.00000000 0.00000000 0.00000000 Trust Cert 0.00 0.00000000 0.00000000 0.00000000 0.00000000 (2) All denominations are per $1,000

Principal Distribution Factors Statement (continued) Total Ending Ending Total Realized Principal Certificate Certificate Principal Class Loss (3) Reduction Balance Percentage Distribution A-1 0.00000000 126.~~17888784~~39040260 ~~966~~959.~~28319006~~89278747 0.~~96628319~~95989279 126.~~17888784~~39040260 A-2 0.00000000 15.~~16374140~~48902317 ~~962~~946.~~43914329~~95012005 0.~~96243914~~94695012 15.~~16374140~~48902317 OC 0.00000000 0.00000000 23,~~874~~650,~~282~~218.~~9587821~~08547363 ~~2874~~3650.~~28295878~~21808547 0.00000000 Trust Cert 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 A-1 68,704,000.00 4.93000% 6766,~~224~~387,~~258~~520.6029 ~~276~~272,~~179~~742.6606 0.00 0.00 A-2 138,694,000.00 21.~~15000~~70000% ~~135~~133,~~587~~484,~~654~~534.4854 ~~251~~195,~~025~~406.4853 0.00 0.00 OC 1,158.72 0.00000% 0.00 0.00 0.00 0.00 Trust Cert 0.00 0.00000% 0.00 0.00 0.00 0.00 Totals 207,399,158.72 ~~527~~468,~~205~~148.1459 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 A-1 0.00 0.00 ~~276~~272,~~179~~742.6606 0.00 6665,~~387~~948,~~520~~474.2907 A-2 0.00 0.00 ~~251~~195,~~025~~406.4853 0.00 ~~133~~131,~~484~~336,~~534~~299.5495 OC 0.00 0.00 0.00 0.00 0.00 Trust Cert 0.00 0.00 0.00 0.00 0.00 Totals 0.00 0.00 ~~527~~468,~~205~~148.1459 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 A-1 68,704,000.00 4.93000% ~~978~~966.~~46207790~~28319006 43.~~01984833~~96981340 0.00000000 0.00000000 A-2 138,694,000.00 21.~~15000~~70000% ~~977~~962.~~60288462~~43914329 1.~~80992314~~40890399 0.00000000 0.00000000 OC 1,158.72 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 Trust Cert 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 (5) All Denominations are per $1,000

Interest Distribution Factors Statement (continued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (6) Distribution Shortfall Balance A-1 0.00000000 0.00000000 43.~~01984833~~96981340 0.00000000 ~~966~~959.~~28319006~~89278747 A-2 0.00000000 0.00000000 1.~~80992314~~40890399 0.00000000 ~~962~~946.~~43914329~~95012005 OC 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 Trust Cert 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 Component Statement Component Beginning Ending Beginning Ending Ending Pass-Through Notional Notional Component Component Component Class Rate Balance Balance Balance Balance Percentage AMBAC 0.22000% ~~202,811,913.09~~ 199,872,054.83 197,284,774.02 0.00 0.00 9695.~~37125470~~12375916%

CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and Principal 3,~~515~~125,~~235~~751.3204 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 7652,~~409~~847.8208 Total Deposits 3,~~591~~178,~~645~~598.1412 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee ~~124~~123,~~581~~168.7473 Payment of Interest and Principal 3,~~467~~055,~~063~~429.4039 Total Withdrawals (Pool Distribution Amount) 3,~~591~~178,~~645~~598.1412 Ending Balance 0.00

SERVICING FEES Gross Servicing Fee 82,~~960~~127.4184 Ambac Fee 3736,~~182~~643.1821 Backup Servicing Fee 2,~~566~~540.1318 Group 1 Owner Trustee Accrual 110.4972 Group 2 Owner Trustee Accrual 222.8562 Indenture Trustee Fee 1,~~539~~524.6816 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee ~~124~~123,~~581~~168.7473

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 21 0 0 21 ~~175~~38,~~960~~737.6753 0.00 0.00 ~~175~~38,~~960~~737.6753 30 Days 32 01 0 0 3 ~~527~~162,~~988~~154.3811 0103,859.0093 0.00 0.00 ~~527~~266,~~988~~014.3804 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 1 0 1 0.00 0.00 113,600.00 0.00 113,600.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180+ Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 32 2 1 0 65 ~~527~~162,~~988~~154.3811 ~~175~~142,~~960~~597.6746 113,600.00 0.00 ~~817~~418,~~549~~351.0557 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.~~138600~~069735% 0.000000% 0.000000% 0.~~138600~~069735% 0.~~086539~~019210% 0.000000% 0.000000% 0.~~086539~~019210% 30 Days 0.~~207900~~139470% 0.~~000000~~069735% 0.000000% 0.000000% 0.~~207900~~209205% 0.~~259668~~080414% 0.~~000000~~051505% 0.000000% 0.000000% 0.~~259668~~131919% 60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 0.~~069300~~069735% 0.000000% 0.~~069300~~069735% 0.000000% 0.000000% 0.~~055869~~056335% 0.000000% 0.~~055869~~056335% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180+ Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.~~207900~~139470% 0.~~138600~~139470% 0.~~069300~~069735% 0.000000% 0.~~415800~~348675% 0.~~259668~~080414% 0.~~086539~~070715% 0.~~055869~~056335% 0.000000% 0.~~402076~~207465% (7) Delinquencies are stratified according to the information the Servicer has provided. All 90+ delinquencies are reported in the 90 day delinquency field.

Delinquency Status By Groups DELINQUENT BANKRUPTCY FORECLOSURE REO Total Group I 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 1 0 0 1 38,737.53 0.00 0.00 38,737.53 30 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 0 1 0 0 1 0.00 38,737.53 0.00 0.00 38,737.53 0-29 Days 0.~~178891~~179533% 0.000000% 0.000000% 0.~~178891~~179533% 0.~~057712~~057942% 0.000000% 0.000000% 0.~~057712~~057942% 30 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.000000% 0.~~178891~~179533% 0.000000% 0.000000% 0.~~178891~~179533% 0.000000% 0.~~057712~~057942% 0.000000% 0.000000% 0.~~057712~~057942% DELINQUENT BANKRUPTCY FORECLOSURE REO Total Group II 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 10 0 0 10 ~~137,223~~0.1400 0.00 0.00 ~~137,223~~0.1400 30 Days 32 01 0 0 3 ~~527~~162,~~988~~154.3811 0103,859.0093 0.00 0.00 ~~527~~266,~~988~~014.3804 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 1 0 1 0.00 0.00 113,600.00 0.00 113,600.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 32 1 1 0 54 ~~527~~162,~~988~~154.3811 ~~137~~103,~~223~~859.1493 113,600.00 0.00 ~~778~~379,~~811~~614.5204 0-29 Days 0.~~113122~~000000% 0.000000% 0.000000% 0.~~113122~~000000% 0.~~100744~~000000% 0.000000% 0.000000% 0.~~100744~~000000% 30 Days 0.~~339367~~228050% 0.~~000000~~114025% 0.000000% 0.000000% 0.~~339367~~342075% 0.~~387629~~120298% 0.~~000000~~077051% 0.000000% 0.000000% 0.~~387629~~197348% 60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 0.~~113122~~114025% 0.000000% 0.~~113122~~114025% 0.000000% 0.000000% 0.~~083401~~084277% 0.000000% 0.~~083401~~084277% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.~~339367~~228050% 0.~~113122~~114025% 0.~~113122~~114025% 0.000000% 0.~~565611~~456100% 0.~~387629~~120298% 0.~~100744~~077051% 0.~~083401~~084277% 0.000000% 0.~~571773~~281625%

OTHER INFORMATION Current Period Class A Insufficient Funds 0.00 Principal Balance of Contaminated Properties 0.00 Periodic Advance 0901,042.0030

Class A-2 1,158.72 0.00055869% 4,229,580.70 2.09889797% 65.174662% 0.000000% Class OC 0.00 0.00000000% 0.00 0.00000000% 2.098898% 0.000000% Please Refer to the Prospectus Supplement for a Full Description of Loss Exposure

COLLATERAL STATEMENT Collateral Description Mixed Fixed & Arm Weighted Average Gross Coupon 8.~~489478~~489193% Weighted Average Net Coupon 8.~~004478~~004193% Weighted Average Pass-Through Rate 7.~~980475~~980193% Weighted Average Maturity(Stepdown Calculation ) ~~356~~355 Beginning Scheduled Collateral Loan Count 1,~~454~~443 Number Of Loans Paid In Full 119 Ending Scheduled Collateral Loan Count 1,~~443~~434 Beginning Scheduled Collateral Balance ~~205~~203,~~262~~202,~~878~~543.6498 Ending Scheduled Collateral Balance ~~203~~201,~~202~~514,~~543~~354.9872 Ending Actual Collateral Balance at 3130-~~Oct~~Nov-2002 ~~203~~201,~~332~~649,~~215~~526.5604 Monthly P &I Constant 1,~~601~~587,~~629~~002.4221 Special Servicing Fee 0.00 Prepayment Penalties 7652,~~409~~847.8208 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Ending Scheduled Balance for Premium Loans ~~203~~201,~~202~~514,~~543~~354.9872 Scheduled Principal 149,~~483~~480.7685 Unscheduled Principal 1,~~910~~538,~~850~~708.9040

Group I - Other Income ~~2,754~~0.8900 Group II - Other Income 040.00 Step Down Date Do Not Step Down In Effect SInce: N/A Comments: N/A Step-Up Test Not Triggered In Effect Since: N/A Comments: N/A Group I - Rolling 6 Month 60+ Delinquency 0.0000000% Group II - Rolling 6 Month 60+ ~~Delinquency~~Delinquenc 0.~~02065~~03318% Group I - Twelve Month Loss Amount 0.0000000% Group II - Twelve Month Loss Amount 0.0000000% Group I - Cut-Off Delinquency Balance 6766,~~122~~855,~~365~~382.5363 Group I - Cut-Off Delinquency Balance ~~136~~134,~~209~~794,~~850~~143.0341

Group Level Collateral Statement Group Group I Group II Total Collateral Description Fixed 30 Year Mixed ARM Mixed Fixed & Arm Weighted Average Coupon Rate 8.~~530148~~531894 8.~~469453~~468153 8.~~489478~~489193 Weighted Average Net Rate 8.~~045148~~046894 7.~~984453~~983153 8.~~004478~~004193 Weighted Average Maturity ~~305~~304 ~~356~~355 ~~356~~355 Beginning Loan Count ~~562~~559 ~~892~~884 1,~~454~~443 Loans Paid In Full 32 87 119 Ending Loan Count ~~559~~557 ~~884~~877 1,~~443~~434 Beginning Scheduled Balance 67,~~724~~074,~~569~~116.0328 ~~137~~136,~~538~~128,~~309~~427.6170 ~~205~~203,~~262~~202,~~878~~543.6498 Ending scheduled Balance 6766,~~074~~803,~~116~~356.2826 ~~136~~134,~~128~~710,~~427~~998.7046 ~~203~~201,~~202~~514,~~543~~354.9872 Record Date 1011/3130/2002 1011/3130/2002 1011/3130/2002 Principal And Interest Constant ~~541~~537,~~551~~120.8802 1,~~060~~049,~~077~~882.5419 1,~~601~~587,~~629~~002.4221 Scheduled Principal 60,~~134~~229.7100 89,~~349~~251.0585 149,~~483~~480.7685 Unscheduled Principal ~~590~~210,~~318~~531.0401 1,~~320~~328,~~532~~177.8639 1,~~910~~538,~~850~~708.9040 Scheduled Interest ~~481~~476,~~417~~891.1702 ~~970~~960,~~728~~630.4934 1,~~452~~437,~~145~~521.6636 Servicing Fees 27,~~371~~109.9918 55,~~588~~018.4266 82,~~960~~127.4184 Master Servicing Fees 0.00 0.00 0.00 Trustee Fee ~~508~~503.0112 1,~~031~~021.6704 1,~~539~~524.6816 FRY Amount 0.00 0.00 0.00 Special Hazard Fee 0.00 0.00 0.00 Other Fee ~~846~~838.7552 1,~~719~~701.3866 2,~~566~~540.1318 Pool Insurance Fee 012,171.0005 024,472.0016 036,643.0021 Spread Fee 1 ~~12,267~~110.9172 ~~24,914~~222.2762 ~~37,182~~333.1834 Spread Fee 2 ~~110~~0.4900 ~~222~~0.8400 ~~333~~0.3300 Spread Fee 3 0.00 0.00 0.00 Net Interest ~~454~~449,~~045~~781.1884 ~~915~~905,~~140~~611.0768 1,~~369~~355,~~185~~393.2552 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 04,868.0094 047,978.0014 052,847.0008 Special Servicing Fee 0.00 0.00 0.00 Pass-Through Rate 8.~~021144~~022894 7.~~960450~~959153 7.~~980475~~980193

Miscellaneous Reporting Group Group I Specified Overcollaterization Amt 1,~~345~~344,~~460~~515.8798 Excess Cash Amt ~~186~~168,~~285~~286.5621 Overcollateralization Deficiency Amt ~~845~~657,~~150~~920.4400 Extra Principal Amt ~~186~~168,~~285~~286.5621 Overcollaterization Amt ~~686~~854,~~595~~882.9919 Group Group II Specified Overcollaterization Amt 4,854,302.90 Excess Cash Amt ~~693~~730,~~238~~805.0434 Overcollateralization Deficiency Amt 2,~~903~~210,~~647~~409.7774 Extra Principal Amt ~~693~~730,~~238~~805.0434 Overcollaterization Amt 23,~~643~~374,~~893~~698.1651

Filing Compare · ACCRED HOME LNDRS INC AC MOR LN TR 2002-1 AS BK NT SE 2002-1