8-K 1 rma0301_dec.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, 2003 RENAISSANCE MORTGAGE ACCEPTANCE CORPORATION Home Equity Loan Asset-Backed Certs., Series 2003-1 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-82550-05 75-3033688 Pooling and Servicing Agreement) (Commission 75-3033698 (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, 2003 a distribution was made to holders of RENAISSANCE MORTGAGE ACCEPTANCE CORPORATION, Home Equity Loan Asset-Backed Certs., Series 2003-1 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 2003-1 Trust, relating to the December 26, 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 hereunto duly authorized. RENAISSANCE MORTGAGE ACCEPTANCE CORPORATION Home Equity Loan Asset-Backed Certs., Series 2003-1 Trust By: Wells Fargo Bank Minnesota, N.A. as Trustee By: /s/ Beth Belfield as Assistant Vice President By: Beth Belfield as Assistant Vice President Date: 1/8/04 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Home Equity Loan Asset-Backed Certs., Series 2003-1 Trust, relating to the December 26, 2003 distribution. EX-99.1

Renaissance Mortgage Acceptance Corp. ~~Home~~Mortgage ~~Equity Loan Asset~~Pass-~~Backed~~Through Certificates Record Date: 911/30/03 Distribution Date: 1012/2726/03 RMAC Series: 2003-1 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 759950AQ1 SEN 1.~~55000~~54875% ~~205~~192,~~153~~638,~~150~~620.3370 ~~282~~256,~~238~~510.8677 54,~~598~~302,~~465~~567.9004 AIO 759950AR9 SEN 3.00000% 0.00 7371,~~099~~121.6034 0.00 M-1 759950AS7 SUB 2.~~12000~~11875% 17,105,000.00 3231,~~185~~159.9201 0.00 M-2 759950AT5 SUB 5.61700% 14,473,000.00 67,~~645~~639.8598 0.00 B-A 759950AU2 SUB 5.~~37000~~36875% 3,000,000.00 1413,~~298~~847.8963 0.00 B-F 759950AV0 SUB 7.34600% 7,000,000.00 42,~~788~~784.5179 0.00 BIO RMA031BIO SEN 0.00000% 0.01 1,~~191~~132,~~094~~233.5721 0.00 P RMA03001P SUB 0.00000% 100.00 ~~142~~153,~~874~~404.9881 0.00 R1 RMA0301R1 SEN 0.00000% 0.00 0.00 0.00 R2 RMA0301R2 SEN 0.00000% 0.00 0.00 0.00 Totals ~~246~~234,~~731~~216,~~250~~720.3471 1,~~846~~768,~~227~~701.1854 54,~~598~~302,~~465~~567.9004

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses A 0.00 ~~199~~188,~~554~~336,~~684~~053.4366 54,~~880~~559,~~704~~077.7681 0.00 AIO 0.00 0.00 7371,~~099~~121.6034 0.00 M-1 0.00 17,105,000.00 3231,~~185~~159.9201 0.00 M-2 0.00 14,473,000.00 67,~~645~~639.8598 0.00 B-A 0.00 3,000,000.00 1413,~~298~~847.8963 0.00 B-F 0.00 7,000,000.00 42,~~788~~784.5179 0.00 BIO 0.00 0.01 1,~~191~~132,~~094~~233.5721 0.00 P 0.00 100.00 ~~142~~153,~~874~~404.9881 0.00 R1 0.00 0.00 0.00 0.00 R2 0.00 0.00 0.00 0.00 Totals 0.00 ~~241~~229,~~132~~914,~~784~~153.4467 76,~~444~~071,~~693~~268.0858 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 216,973,000.00 ~~205~~192,~~153~~638,~~150~~620.3370 0.00 54,~~598~~302,~~465~~567.9004 0.00 0.00 AIO 0.00 0.00 0.00 0.00 0.00 0.00 M-1 17,105,000.00 17,105,000.00 0.00 0.00 0.00 0.00 M-2 14,473,000.00 14,473,000.00 0.00 0.00 0.00 0.00 B-A 3,000,000.00 3,000,000.00 0.00 0.00 0.00 0.00 B-F 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 R1 0.00 0.00 0.00 0.00 0.00 0.00 R2 0.00 0.00 0.00 0.00 0.00 0.00 Totals 258,551,100.00 ~~246~~234,~~731~~216,~~250~~720.3471 0.00 54,~~598~~302,~~465~~567.9004 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 54,~~598~~302,~~465~~567.9004 ~~199~~188,~~554~~336,~~684~~053.4366 0.~~91972128~~86801608 54,~~598~~302,~~465~~567.9004 AIO 0.00 0.00 0.00000000 0.00 M-1 0.00 17,105,000.00 1.00000000 0.00 M-2 0.00 14,473,000.00 1.00000000 0.00 B-A 0.00 3,000,000.00 1.00000000 0.00 B-F 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 R1 0.00 0.00 0.00000000 0.00 R2 0.00 0.00 0.00000000 0.00 Totals 54,~~598~~302,~~465~~567.9004 ~~241~~229,~~132~~914,~~784~~153.4467 0.~~93263105~~88924067 54,~~598~~302,~~465~~567.9004

Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion A 216,973,000.00 ~~945~~887.~~52386855~~84604859 0.00000000 2519.~~80259249~~82996520 0.00000000 AIO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 M-1 17,105,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-2 14,473,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 B-A 3,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 B-F 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 R1 0.00 0.00000000 0.00000000 0.00000000 0.00000000 R2 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 A 0.00000000 2519.~~80259249~~82996520 ~~919~~868.~~72127606~~01608338 0.~~91972128~~86801608 2519.~~80259249~~82996520 AIO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 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-A 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 B-F 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 R1 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R2 0.00000000 0.00000000 0.00000000 0.00000000 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 Original Current Certificate/ Current Unpaid Current Face Certificate Notional Accrued Interest Interest Class Amount Rate Balance Interest Shortfall Shortfall A 216,973,000.00 1.~~55000~~54875% ~~205~~192,~~153~~638,~~150~~620.3370 ~~282~~256,~~655~~911.4569 0.00 0.00 AIO 0.00 3.00000% 2928,~~283~~493,000.00 7371,~~207~~232.50 0.00 0.00 M-1 17,105,000.00 2.~~12000~~11875% 17,105,000.00 3231,~~233~~207.4272 0.00 0.00 M-2 14,473,000.00 5.61700% 14,473,000.00 67,745.70 0.00 0.00 B-A 3,000,000.00 5.~~37000~~36875% 3,000,000.00 1413,~~320~~869.0027 0.00 0.00 B-F 7,000,000.00 7.34600% 7,000,000.00 42,851.67 0.00 0.00 BIO 0.00 0.00000% 0.01 0.00 0.00 0.00 P 100.00 0.00000% 100.00 0.00 0.00 0.00 R1 0.00 0.00000% 0.00 0.00 0.00 0.00 R2 0.00 0.00000% 0.00 0.00 0.00 0.00 Totals 258,551,100.00 ~~513~~483,~~013~~818.7455 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 ~~416~~400.5993 0.00 ~~282~~256,~~238~~510.8677 0.00 ~~199~~188,~~554~~336,~~684~~053.4366 AIO ~~107~~111.9016 0.00 7371,~~099~~121.6034 0.00 28,~~907~~044,000.00 M-1 4748.5170 0.00 3231,~~185~~159.9201 0.00 17,105,000.00 M-2 99105.8572 0.00 67,~~645~~639.8598 0.00 14,473,000.00 B-A 21.1164 0.00 1413,~~298~~847.8963 0.00 3,000,000.00 B-F 6366.1687 0.00 42,~~788~~784.5179 0.00 7,000,000.00 BIO 0.00 0.00 1,~~191~~132,~~094~~233.5721 0.00 0.01 P 0.00 0.00 ~~142~~153,~~874~~404.9881 0.00 100.00 R1 0.00 0.00 0.00 0.00 0.00 R2 0.00 0.00 0.00 0.00 0.00 Totals ~~756~~755.1202 0.00 1,~~846~~768,~~227~~701.1854 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 Beginning Payment of Original Current Certificate/ Current Unpaid Current Face Certificate Notional Accrued Interest Interest Class (5) Amount Rate Balance Interest Shortfall Shortfall A 216,973,000.00 1.~~55000~~54875% ~~945~~887.~~52386855~~84604859 1.~~30272177~~18407217 0.00000000 0.00000000 AIO 0.00 3.00000% ~~953~~928.~~81257939~~08051855 2.~~38453145~~32020130 0.00000000 0.00000000 M-1 17,105,000.00 2.~~12000~~11875% 1000.00000000 1.~~88444431~~82447939 0.00000000 0.00000000 M-2 14,473,000.00 5.61700% 1000.00000000 4.68083328 0.00000000 0.00000000 B-A 3,000,000.00 5.~~37000~~36875% 1000.00000000 4.~~77333333~~62309000 0.00000000 0.00000000 B-F 7,000,000.00 7.34600% 1000.00000000 6.12166714 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 R1 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 R2 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 A 0.~~00192001~~00184783 0.00000000 1.~~30080176~~18222438 0.00000000 ~~919~~868.~~72127606~~01608338 AIO 0.~~00351454~~00362073 0.00000000 2.~~38101690~~31658057 0.00000000 ~~941~~913.~~56542132~~45558777 M-1 0.~~00277755~~00284712 0.00000000 1.~~88166735~~82163169 0.00000000 1000.00000000 M-2 0.~~00689905~~00730464 0.00000000 4.~~67393422~~67352864 0.00000000 1000.00000000 B-A 0.~~00703667~~00721333 0.00000000 4.~~76629667~~61587667 0.00000000 1000.00000000 B-F 0.~~00902286~~00955286 0.00000000 6.~~11264429~~11211286 0.00000000 1000.00000000 BIO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 P 0.00000000 0.00000000 ~~1428749~~1534048.~~80000000~~10000000 0.00000000 1000.00000000 R1 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R2 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 (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 76,~~531~~153,~~708~~706.0752 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 0.00 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 0.00 Total Deposits 76,~~531~~153,~~708~~706.0752 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee 8782,~~014~~452.9912 Payment of Interest and Principal 76,~~444~~071,~~693~~254.0840 Total Withdrawals (Pool Distribution Amount) 76,~~531~~153,~~708~~706.0752 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 0755.0002

SERVICING FEES Gross Servicing Fee 6259,~~834~~705.2557 FSA Premium 2019,~~515~~263.3286 Wells Fargo Bank Minnesota, N.A. 3,~~665~~482.4269 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee 8782,~~014~~452.9912

OTHER ACCOUNTS Beginning Current Current Ending Account Type Balance Withdrawals Deposits Balance Reserve Fund 5,000.00 014.0029 014.0029 5,000.00 Financial Guaranty 0.00 0.00 0.00 0.00

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 58 0 0 58 ~~546~~734,~~940~~922.5066 0.00 0.00 ~~546~~734,~~940~~922.5066 30 Days 2638 1 0 0 2739 34,~~158~~816,~~214~~654.5071 4882,~~210~~066.3725 0.00 0.00 34,~~206~~898,~~424~~720.8796 60 Days 415 1 0 14 0 1816 ~~332~~1,~~042~~928,701.8703 76,276.68 0.00 ~~2,239,730.48~~ 0.00 2,~~571~~004,~~773~~977.3571 90 Days 02 0 58 0 510 0172,910.0008 0.00 ~~720~~1,~~281~~012,738.4844 0.00 ~~720~~1,~~281~~185,648.4852 120 Days 3 0 123 6 0 726 417,112.65 0.00 383,~~890.88 682~~052,~~943~~173.5367 0.00 ~~721~~3,~~834~~469,286.4132 150 Days 20 0 10 0 30 ~~113,142~~0.4500 0.00 ~~55,775~~0.3300 0.00 ~~168,917~~0.7800 180+ Days 0 01 0 0 01 0.00 038,862.0030 0.00 0.00 038,862.0030 Totals 3258 711 2631 0 65100 37,~~603~~335,~~399~~378.8247 ~~634~~932,~~041~~127.7589 34,~~698~~064,~~730~~912.8211 0.00 712,~~936~~332,~~172~~418.3947 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.~~253550~~422386% 0.000000% 0.000000% 0.~~253550~~422386% 0.~~222571~~313374% 0.000000% 0.000000% 0.~~222571~~313374% 30 Days 12.~~318458~~006336% 0.~~050710~~052798% 0.000000% 0.000000% 12.~~369168~~059134% 12.~~285196~~053842% 0.~~019619~~034993% 0.000000% 0.000000% 12.~~304815~~088835% 60 Days 0.~~202840~~791975% 0.~~000000~~052798% 0.~~709939~~000000% 0.000000% 0.~~912779~~844773% 0.~~135121~~822406% 0.~~000000~~032525% 0.~~911431~~000000% 0.000000% 10.~~046551~~854931% 90 Days 0.~~000000~~105597% 0.000000% 0.~~253550~~422386% 0.000000% 0.~~253550~~527983% 0.~~000000~~073730% 0.000000% 0.~~293110~~431836% 0.000000% 0.~~293110~~505565% 120 Days 0.~~000000~~158395% 0.~~050710~~000000% 01.~~304260~~214361% 0.000000% 01.~~354970~~372756% 0.~~000000~~177859% 0.~~015826~~000000% 01.~~277915~~301460% 0.000000% 01.~~293742~~479318% 150 Days 0.~~101420~~000000% 0.000000% 0.~~050710~~000000% 0.000000% 0.~~152130~~000000% 0.~~046042~~000000% 0.000000% 0.~~022697~~000000% 0.000000% 0.~~068739~~000000% 180+ Days 0.000000% 0.~~000000~~052798% 0.000000% 0.000000% 0.~~000000~~052798% 0.000000% 0.~~000000~~016571% 0.000000% 0.000000% 0.~~000000~~016571% Totals 13.~~622718~~062302% 0.~~354970~~580781% 1.~~318458~~636748% 0.000000% 35.~~296146~~279831% 13.~~466359~~127836% 0.~~258015~~397463% 1.~~505153~~733295% 0.000000% 35.~~229527~~258595%

COLLATERAL STATEMENT Collateral Description Mixed Fixed & Arm Weighted Average Gross Coupon 8.~~551677~~534343% Weighted Average Net Coupon 8.~~251677~~234343% Weighted Average Pass-Through Rate 8.~~234177~~216843% Weighted Average Maturity(Stepdown Calculation ) ~~316~~314 Beginning Scheduled Collateral Loan Count 21,~~014~~923 Number Of Loans Paid In Full 4229 Ending Scheduled Collateral Loan Count 1,~~972~~894 Beginning Scheduled Collateral Balance ~~251~~238,~~336~~821,~~384~~854.4380 Ending Scheduled Collateral Balance ~~245~~234,~~737~~519,~~918~~287.5376 Ending Actual Collateral Balance at 30-~~Sep~~Nov-2003 ~~245~~234,~~737~~519,~~918~~287.5376 Monthly P &I Constant 21,~~086~~986,~~050~~300.2042 Special Servicing Fee 0.00 Prepayment Penalties 0.00 Realized Loss Amount 0.00 Cumulative Realized Loss 905.20 Ending Scheduled Balance for Premium Loans ~~245~~234,~~737~~519,~~918~~287.5376 Scheduled Principal ~~294~~287,~~927~~810.1570 Unscheduled Principal 54,~~303~~014,~~538~~756.7534

Curtailments $31 35,~~142~~583.5464 Servicing Advance Recovery $52 89,~~016~~261.1316 P & I Advance $1 232,~~759,252~~445.9360 P & I Recovery $ 1,~~778~~860,~~146~~237.6423

Miscellaneous Reporting Required OC Amount 4,605,234.10 Subordination Deficiency Amount 0.00 Excess Overcollateralization 0.00 Subordination Reduction 0.00 Subordination Increase 0.00 Overcollateralization Amount 4,605,234.10 Extra Interest paid as Principal 0.00 Three Month Delinquency Rate 12.~~157654~~565504% Delinquency Event NO Cumulative Loss Event NO Step Down Date Occurred NO Trigger Event NO

Group Level Collateral Statement Group 1 2 Total Collateral Description Mixed ARM Mixed Fixed Mixed Fixed & Arm Weighted Average Coupon Rate 8.~~490943~~487260 8.~~575007~~552556 8.~~551677~~534343 Weighted Average Net Rate 8.~~190943~~187260 8.~~275007~~252556 8.~~251677~~234343 Weighted Average Maturity ~~306~~304 ~~342~~340 ~~316~~314 Beginning Loan Count ~~573~~550 1,~~441~~373 21,~~014~~923 Loans Paid In Full 912 3317 4229 Ending Loan Count ~~564~~538 1,~~408~~356 1,~~972~~894 Beginning Scheduled Balance 6966,~~751~~613,~~571~~343.7751 ~~181~~172,~~584~~208,~~812~~511.6629 ~~251~~238,~~336~~821,~~384~~854.4380 Ending scheduled Balance 6864,~~571~~723,~~834~~576.5067 ~~177~~169,~~166~~795,~~084~~711.0309 ~~245~~234,~~737~~519,~~918~~287.5376 Record Date 0911/30/2003 0911/30/2003 0911/30/2003 Principal And Interest Constant ~~548~~524,~~384~~099.2423 1,~~537~~462,~~665~~201.9619 21,~~086~~986,~~050~~300.2042 Scheduled Principal 5452,~~837~~961.0493 ~~240~~234,~~090~~848.1177 ~~294~~287,~~927~~810.1570 Unscheduled Principal 1,~~124~~836,~~900~~804.2391 42,~~178~~177,~~638~~951.5243 54,~~303~~014,~~538~~756.7534 Scheduled Interest ~~493~~471,~~547~~137.2030 1,~~297~~227,~~575~~352.8542 1,~~791~~698,~~123~~489.0572 Servicing Fees 1716,~~437~~653.8934 4543,~~396~~052.2013 6259,~~834~~705.0947 Master Servicing Fees 0.00 0.00 0.00 Trustee Fee ~~1,017~~971.2144 2,~~648~~511.1138 3,~~665~~482.3282 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 ~~475~~453,~~092~~512.1052 1,~~249~~181,~~531~~788.5491 1,~~724~~635,~~623~~301.6443 Realized Loss Amount 0.00 0.00 0.00 Cumulative Realized Loss 0.00 905.20 905.20 Percentage of Cumulative Losses 0.000000 0.000005 0.000003 Prepayment Penalties 0.00 0.00 0.00 Special Servicing Fee 0.00 0.00 0.00 Pass-Through Rate 8.~~173443~~169760 8.~~257507~~235056 8.~~234177~~216843

Filing Compare · RENAISSANCE MORT ACCEPT CORP HOME EQ LN AS BK CER SE 03 1