EXHIBIT 99.3

Date: 01/16/2003          Client Distribution History Report         Page 1 of 1
                     Date Range - From: 01/02/2002 to: 12/31/2002

Payable Date:     June 25, 2002

---------------------------------------------------
Client: 12828     Equity One ABS, Series 2002-3
---------------------------------------------------

<TABLE>
<CAPTION>
Pool
Number                Beginning      Principal    Interest      Total      Interest
Series Cusip No.       Prin Bal         Paid        Paid        Distrib    Adjustment
<S>    <C>           <C>            <C>          <C>         <C>              <C>
af1    294751AQ5     102,000,000.00  6,673,299.62    62,021.67 6,735,321.29  0.00
af2    294751AR3      27,000,000.00          0.00   106,605.00   106,605.00  0.00
af3    294751AS1      21,000,000.00          0.00    96,215.00    96,215.00  0.00
af4    294751AT9      14,971,000.00          0.00    76,214.87    76,214.87  0.00
av1    294751AU6      78,451,000.00  2,338,457.06    50,818.81 2,389,275.87  0.00
b1     294751AX0       8,775,000.00          0.00    49,183.88    49,183.88  0.00
b2     294751AY8       3,961,000.00          0.00    22,547.99    22,547.99  0.00
m1     294751AV4      15,568,000.00          0.00    78,345.96    78,345.96  0.00
m2     294751AW2      11,322,000.00          0.00    60,950.10    60,950.10  0.00
r                              0.00          0.00         0.00         0.00  0.00
x                    283,048,467.73          0.00         0.00         0.00  0.00
       PAYABLE TOTALS:               9,011,756.68   602,903.28 9,614,659.96  0.00
       GRAND TOTALS:                 9,011,756.68   602,903.28 9,614,659.96  0.00

<CAPTION>
Pool
Number            Net Interest           Ending      Int@Mtg  Servicer
Series            Distribution  Other   Prin Bal      Rate     Fee
<S>                <C>          <C>    <C>            <C>      <C>
af1                 62,021.67   0.00   95,326,700.38   0.00   0.00
af2                106,605.00   0.00   27,000,000.00   0.00   0.00
af3                 96,215.00   0.00   21,000,000.00   0.00   0.00
af4                 76,214.87   0.00   14,971,000.00   0.00   0.00
av1                 50,818.81   0.00   76,112,542.94   0.00   0.00
b1                  49,183.88   0.00    8,775,000.00   0.00   0.00
b2                  22,547.99   0.00    3,961,000.00   0.00   0.00
m1                  78,345.96   0.00   15,568,000.00   0.00   0.00
m2                  60,950.10   0.00   11,322,000.00   0.00   0.00
r                        0.00   0.00            0.00   0.00   0.00
x                        0.00   0.00  275,474,255.10   0.00   0.00
  PAYABLE TOTALS:  602,903.28   0.00  549,510,498.42   0.00   0.00
  GRAND TOTALS:    602,903.28   0.00  549,510,498.42   0.00   0.00
</TABLE>
<PAGE>

Date: 01/16/2003          Client Distribution History Report         Page 1 of 1
                     Date Range - From: 01/02/2002 to: 12/31/2002

Payable Date:     July 25, 2002

---------------------------------------------------
Client: 12828     Equity One ABS, Series 2002-3
---------------------------------------------------

<TABLE>
<CAPTION>
Pool
Number                Beginning      Principal    Interest      Total      Interest
Series Cusip No.       Prin Bal         Paid        Paid        Distrib    Adjustment
<S>    <C>           <C>            <C>          <C>         <C>              <C>
af1    294751AQ5     95,326,700.38  5,204,071.10   158,083.44 5,362,154.54   0.00
af2    294751 AR3    27,000,000.00          0.00   106,605.00   106,605.00   0.00
af3    294751AS1     21,000,000.00          0.00    96,215.00    96,215.00   0.00
af4    294751AT9     14,971,000.00          0.00    76,214.87    76,214.87   0.00
av1    294751AU6     76,112,542.94  2,640,494.23   134,465.49 2,774,959.72   0.00
b1     294751AX0      8,775,000.00          0.00    49,183.88    49,183.88   0.00
b2     294751AY8      3,961,000.00          0.00    22,547.99    22,547.99   0.00
m1     294751AV4     15,568,000.00          0.00    78,345.96    78,345.96   0.00
m2     294751AW2     11,322,000.00          0.00    60,950.10    60,950.10   0.00
r                             0.00          0.00         0.00         0.00   0.00
x                   275,474,255.10          0.00         6.92         6.92   0.00
       PAYABLE TOTALS:              7,844,565.33   782,618.65 8,627,183.98   0.00
       GRAND TOTALS:                7,844,565.33   782,618.65 8,627,183.98   0.00

<CAPTION>
Pool
Number            Net Interest           Ending        Int@Mtg  Servicer
Series            Distribution  Other   Prin Bal        Rate     Fee
<S>                <C>          <C>    <C>              <C>      <C>
af1                158,083.44    0.00  90,122,629.28   0.00   0.00
af2                106,605.00    0.00  27,000,000.00   0.00   0.00
af3                 96,215.00    0.00  21,000,000.00   0.00   0.00
af4                 76,214.87    0.00  14,971,000.00   0.00   0.00
av1                134,465.49    0.00  73,472,048.71   0.00   0.00
b1                  49,183.88    0.00   8,775,000.00   0.00   0.00
b2                  22,547.99    0.00   3,961,000.00   0.00   0.00
m1                  78,345.96    0.00  15,568,000.00   0.00   0.00
m2                  60,950.10    0.00  11,322,000.00   0.00   0.00
r                        0.00    0.00           0.00   0.00   0.00
x                        6.92    0.00 268,827,944.00   0.00   0.00
  PAYABLE TOTALS:  782,618.65    0.00 535,019,621.99   0.00   0.00
  GRAND TOTALS:    782,618.65    0.00 535,019,621.99   0.00   0.00
</TABLE>
<PAGE>

Date: 01/16/2003          Client Distribution History Report         Page 1 of 1
                     Date Range - From: 01/02/2002 to: 12/31/2002

Payable Date:     August 26, 2002

---------------------------------------------------
Client: 12828     Equity One ABS, Series 2002-3
---------------------------------------------------

<TABLE>
<CAPTION>
Pool
Number                Beginning      Principal    Interest      Total      Interest
Series Cusip No.       Prin Bal         Paid        Paid        Distrib    Adjustment
<S>    <C>           <C>            <C>          <C>         <C>              <C>
af1    294751AQ5      90,122,629.28  6,788,419.71   159,166.98 6,947,586.69  0.00
af2    294751AR3      27,000,000.00          0.00   106,605.00   106,605.00  0.00
af3    294751AS1      21,000,000.00          0.00    96,215.00    96,215.00  0.00
af4    294751AT9      14,971,000.00          0.00    76,214.87    76,214.87  0.00
av1    294751AU6      73,472,048.71  1,933,594.82   138,250.23 2,071,845.05  0.00
b1     294751AX0       8,775,000.00          0.00    49,183.88    49,183.88  0.00
b2     294751AY8       3,961,000.00          0.00    22,547.99    22,547.99  0.00
m1     294751AV4      15,568,000.00          0.00    78,345.96    78,345.96  0.00
m2     294751AW2      11,322,000.00          0.00    60,950.10    60,950.10  0.00
r                              0.00          0.00         0.00         0.00  0.00
x                    268,827,944.00          0.00        12.60        12.60  0.00
       PAYABLE TOTALS:               8,722,014.53   787,492.61 9,509,507.14  0.00
       GRAND TOTALS:                 8,722,014.53   787,492.61 9,509,507.14  0.00

<CAPTION>
Pool
Number            Net Interest           Ending        Int@Mtg  Servicer
Series            Distribution  Other   Prin Bal        Rate     Fee
<S>                <C>          <C>    <C>              <C>      <C>
af1                159,166.98    0.00  83,334,209.57   0.00   0.00
af2                106,605.00    0.00  27,000,000.00   0.00   0.00
af3                 96,215.00    0.00  21,000,000.00   0.00   0.00
af4                 76,214.87    0.00  14,971,000.00   0.00   0.00
av1                138,250.23    0.00  71,538,453.89   0.00   0.00
b1                  49,183.88    0.00   8,775,000.00   0.00   0.00
b2                  22,547.99    0.00   3,961,000.00   0.00   0.00
m1                  78,345.96    0.00  15,568,000.00   0.00   0.00
m2                  60,950.10    0.00  11,322,000.00   0.00   0.00
r                        0.00    0.00           0.00   0.00   0.00
x                       12.60    0.00 261,250,594.64   0.00   0.00
  PAYABLE TOTALS:  787,492.61    0.00 518,720,258.10   0.00   0.00
  GRAND TOTALS:    787,492.61    0.00 518,720,258.10   0.00   0.00
</TABLE>
<PAGE>

Date: 01/16/2003          Client Distribution History Report         Page 1 of 1
                     Date Range - From: 01/02/2002 to: 12/31/2002

Payable Date:     September 25, 2002

---------------------------------------------------
Client: 12828     Equity One ABS, Series 2002-3
---------------------------------------------------

<TABLE>
<CAPTION>
Pool
Number                Beginning      Principal    Interest      Total      Interest
Series Cusip No.       Prin Bal         Paid        Paid        Distrib    Adjustment
<S>    <C>           <C>            <C>          <C>         <C>              <C>
af1    294751AQ5     83,334,209.57  6,940,611.69   136,112.54   7,076,724.23   0.00
af2    294751AR3     27,000,000.00          0.00   106,605.00     106,605.00   0.00
af3    294751AS1     21,000,000.00          0.00    96,215.00      96,215.00   0.00
af4    294751AT9     14,971,000.00          0.00    76,214.87      76,214.87   0.00
av1    294751AU6     71,538,453.89  2,317,999.31   124,596.14   2,442,595.45   0.00
b1     294751AX0      8,775,000.00          0.00    49,183.88      49,183.88   0.00
b2     294751AY8      3,961,000.00          0.00    22,547.99      22,547.99   0.00
m1     294751AV4     15,568,000.00          0.00    78,345.96      78,345.96   0.00
m2     294751AW2     11,322,000.00          0.00    60,950.10      60,950.10   0.00
r                             0.00          0.00         0.00           0.00   0.00
x                   261,250,594.64          0.00        12.25          12.25   0.00
       PAYABLE TOTALS:              9,258,611.00   750,783.73  10,009,394.73   0.00
       GRAND TOTALS:                9,258,611.00   750,783.73  10,009,394.73   0.00


<CAPTION>
Pool
Number            Net Interest           Ending        Int@Mtg  Servicer
Series            Distribution  Other   Prin Bal        Rate     Fee
<S>                <C>          <C>    <C>              <C>      <C>
af1                136,112.54   0.00   76,393,597.88   0.00   0.00
af2                106,605.00   0.00   27,000,000.00   0.00   0.00
af3                 96,215.00   0.00   21,000,000.00   0.00   0.00
af4                 76,214.87   0.00   14,971,000.00   0.00   0.00
av1                124,596.14   0.00   69,220,454.58   0.00   0.00
b1                  49,183.88   0.00    8,775,000.00   0.00   0.00
b2                  22,547.99   0.00    3,961,000.00   0.00   0.00
m1                  78,345.96   0.00   15,568,000.00   0.00   0.00
m2                  60,950.10   0.00   11,322,000.00   0.00   0.00
r                        0.00   0.00            0.00   0.00   0.00
x                       12.25   0.00  253,116,643.36   0.00   0.00
  PAYABLE TOTALS:  750,783.73   0.00  501,327,695.82   0.00   0.00
  GRAND TOTALS:    750,783.73   0.00  501,327,695.82   0.00   0.00
</TABLE>
<PAGE>

Date: 01/16/2003          Client Distribution History Report         Page 1 of 1
                     Date Range - From: 01/02/2002 to: 12/31/2002

Payable Date:     October 25, 2002


---------------------------------------------------
Client: 12828     Equity One ABS, Series 2002-3
---------------------------------------------------

<TABLE>
<CAPTION>
Pool
Number                Beginning      Principal    Interest      Total      Interest
Series Cusip No.       Prin Bal         Paid        Paid        Distrib    Adjustment
<S>    <C>           <C>            <C>          <C>         <C>              <C>
af1    294751AQ5     76,393,597.88  4,967,557.69   125,014.94 5,092,572.63   0.00
af2    294751AR3     27,000,000.00          0.00   106,605.00   106,605.00   0.00
af3    294751AS1     21,000,000.00          0.00    96,215.00    96,215.00   0.00
af4    294751AT9     14,971,000.00          0.00    76,214.87    76,214.87   0.00
av1    294751AU6     69,220,454.58  1,440,283.08   120,775.27 1,561,058.35   0.00
b1     294751AX0      8,775,000.00          0.00    49,183.88    49,183.88   0.00
b2     294751AY8      3,961,000.00          0.00    22,547.99    22,547.99   0.00
m1     294751AV4     15,568,000.00          0.00    78,345.96    78,345.96   0.00
m2     294751AW2     11,322,000.00          0.00    60,950.10    60,950.10   0.00
r                             0.00          0.00         0.00         0.00   0.00
x                   253,116,643.36          0.00        11.76        11.76   0.00
       PAYABLE TOTALS:              6,407,840.77   735,864.77 7,143,705.54   0.00
       GRAND TOTALS:                6,407,840.77   735,864.77 7,143,705.54   0.00

<CAPTION>
Pool
Number            Net Interest           Ending        Int@Mtg  Servicer
Series            Distribution  Other   Prin Bal        Rate     Fee
<S>                <C>          <C>    <C>              <C>      <C>
af1                125,014.94    0.00  71,426,040.19   0.00    0.00
af2                106,605.00    0.00  27,000,000.00   0.00    0.00
af3                 96,215.00    0.00  21,000,000.00   0.00    0.00
af4                 76,214.87    0.00  14,971,000.00   0.00    0.00
av1                120,775.27    0.00  67,780,171.50   0.00    0.00
b1                  49,183.88    0.00   8,775,000.00   0.00    0.00
b2                  22,547.99    0.00   3,961,000.00   0.00    0.00
m1                  78,345.96    0.00  15,568,000.00   0.00    0.00
m2                  60,950.10    0.00  11,322,000.00   0.00    0.00
r                        0.00    0.00           0.00   0.00    0.00
x                       11.76    0.00 247,787,488.71   0.00    0.00
  PAYABLE TOTALS:  735,864.77    0.00 489,590,700.40   0.00    0.00
  GRAND TOTALS:    735,864.77    0.00 489,590,700.40   0.00    0.00
</TABLE>
<PAGE>

Date: 01/16/2003          Client Distribution History Report         Page 1 of 1
                     Date Range - From: 01/02/2002 to: 12/31/2002

Payable Date:     November 25, 2002

---------------------------------------------------
Client: 12828     Equity One ABS, Series 2002-3
---------------------------------------------------

<TABLE>
<CAPTION>
Pool
Number                Beginning      Principal    Interest      Total      Interest
Series Cusip No.       Prin Bal         Paid        Paid        Distrib    Adjustment
<S>    <C>           <C>            <C>          <C>         <C>              <C>
af1    294751AQ5     71,426,040.19  6,280,351.06   121,781.40 6,402,132.46   0.00
af2    294751AR3     27,000,000.00          0.00   106,605.00   106,605.00   0.00
af3    294751AS1     21,000,000.00          0.00    96,215.00    96,215.00   0.00
af4    294751AT9     14,971,000.00          0.00    76,214.87    76,214.87   0.00
av1    294751AU6     67,780,171.50  2,590,803.00   123,152.81 2,713,955.81   0.00
b1     294751AX0      8,775,000.00          0.00    49,183.88    49,183.88   0.00
b2     294751AY8      3,961,000.00          0.00    22,547.99    22,547.99   0.00
m1     294751AV4     15,568,000.00          0.00    78,345.96    78,345.96   0.00
m2     294751AW2     11,322,000.00          0.00    60,950.10    60,950.10   0.00
r                             0.00          0.00         0.00         0.00   0.00
x                   247,787,488.71          0.00        12.09        12.09   0.00
       PAYABLE TOTALS:              8,871,154.06   735,009.10 9,606,163.16   0.00
       GRAND TOTALS:                8,871,154.06   735,009.10 9,606,163.16   0.00

<CAPTION>
Pool
Number            Net Interest           Ending        Int@Mtg  Servicer
Series            Distribution  Other   Prin Bal        Rate     Fee
<S>                <C>          <C>    <C>              <C>      <C>
af1                121,781.40   0.00   65,145,689.13  0.00    0.00
af2                106,605.00   0.00   27,000,000.00  0.00    0.00
af3                 96,215.00   0.00   21,000,000.00  0.00    0.00
af4                 76,214.87   0.00   14,971,000.00  0.00    0.00
av1                123,152.81   0.00   65,189,368.50  0.00    0.00
b1                  49,183.88   0.00    8,775,000.00  0.00    0.00
b2                  22,547.99   0.00    3,961,000.00  0.00    0.00
m1                  78,345.96   0.00   15,568,000.00  0.00    0.00
m2                  60,950.10   0.00   11,322,000.00  0.00    0.00
r                        0.00   0.00            0.00  0.00    0.00
x                       12.09   0.00  239,945,325.91  0.00    0.00
  PAYABLE TOTALS:  735,009.10   0.00  472,877,383.54  0.00    0.00
  GRAND TOTALS:    735,009.10   0.00  472,877,383.54  0.00    0.00
</TABLE>
<PAGE>

Date: 01/16/2003          Client Distribution History Report         Page 1 of 1
                     Date Range - From: 01/02/2002 to: 12/31/2002

Payable Date:     December 26, 2002

---------------------------------------------------
Client: 12828     Equity One ABS, Series 2002-3
---------------------------------------------------

<TABLE>
<CAPTION>
Pool
Number                Beginning      Principal    Interest      Total      Interest
Series Cusip No.       Prin Bal         Paid        Paid        Distrib    Adjustment
<S>    <C>           <C>            <C>          <C>         <C>              <C>
af1    294751AQ5     65,145,689.13  5,543,586.55    85,829.45 5,629,416.00   0.00
af2    294751AR3     27,000,000.00          0.00   106,605.00   106,605.00   0.00
af3    294751AS1     21,000,000.00          0.00    96,215.00    96,215.00   0.00
af4    294751AT9     14,971,000.00          0.00    76,214.87    76,214.87   0.00
av1    294751AU6     65,189,368.50  2,968,961.37    93,184.58 3,062,145.95   0.00
b1     294751AX0      8,775,000.00          0.00    49,183.88    49,183.88   0.00
b2     294751AY8      3,961,000.00          0.00    22,547.99    22,547.99   0.00
m1     294751AV4     15,568,000.00          0.00    78,345.96    78,345.96   0.00
m2     294751AW2     11,322,000.00          0.00    60,950.10    60,950.10   0.00
r                             0.00          0.00         0.00         0.00   0.00
x                    239,945,325.91         0.00   700,904.80   700,904.80   0.00
       PAYABLE TOTALS:              8,512,547.92 1,369,981.63 9,882,529.55   0.00
       GRAND TOTALS:                8,512,547.92 1,369,981.63 9,882,529.55   0.00

<CAPTION>
Pool
Number            Net Interest           Ending        Int@Mtg  Servicer
Series            Distribution  Other   Prin Bal        Rate     Fee
<S>                <C>          <C>    <C>              <C>      <C>
af1                   85,829.45    0.00  59,602,102.58   0.00   0.00
af2                  106,605.00    0.00  27,000,000.00   0.00   0.00
af3                   96,215.00    0.00  21,000,000.00   0.00   0.00
af4                   76,214.87    0.00  14,971,000.00   0.00   0.00
av1                   93,184.58    0.00  62,220,407.13   0.00   0.00
b1                    49,183.88    0.00   8,775,000.00   0.00   0.00
b2                    22,547.99    0.00   3,961,000.00   0.00   0.00
m1                    78,345.96    0.00  15,568,000.00   0.00   0.00
m2                    60,950.10    0.00  11,322,000.00   0.00   0.00
r                          0.00    0.00           0.00   0.00   0.00
x                    700,904.80    0.00 231,778,769.88   0.00   0.00
  PAYABLE TOTALS:  1,369,981.63    0.00 456,198,279.59   0.00   0.00
  GRAND TOTALS:    1,369,981.63    0.00 456,198,279.59   0.00   0.00
</TABLE>