Document:

<PAGE>

                                                                   Exhibit 10(m)

              AMENDMENT TO LOAN DOCUMENTS AND FORBEARANCE AGREEMENT

     This Amendment to Loan Documents and Forbearance Agreement (the
"Agreement") is entered into as of January 10, 2001 between Silicon Valley Bank
('Silicon') and NetPlex Systems, Inc. ("Borrower") with respect to the
following:

     A.  Silicon and the Borrower are parties to that certain Loan and Security
Agreement dated July 31, 2000 (as amended, the "Loan Agreement"). Capitalized
terms used in this Agreement, which are not defined herein, shall have the
meanings set forth in the Loan Agreement The Loan Agreement and all other
present and future documents, 'instruments and agreements relating thereto are
referred to herein collectively as the 'Loan Documents'.

     B.  Material Events of Default have occurred and are continuing under the
Loan Documents, including without limitation the following: Borrower's failure
to meet the Tangible Net Worth financial covenant set forth in the Loan
Documents for the month ending September 30, 2000.

     C.  Borrower has requested that Silicon defer, taking action by reason of
the Existing Event of Default (as defined below) and continue to provide
financing to the Borrower for a limited time. Silicon is willing to do so for
the term and on the terms and conditions set forth in this Agreement.

     NOW, THEREFORE, THE PARTIES AGREE AS FOLLOWS:

     1.  Forbearance.

         1.1  Default. As of the date hereof, the Borrower has failed to comply
with the Tangible Net Worth financial covenant set forth in the Loan Documents
for the month ending September 30, 2000. Accordingly, an Event of Default has
occurred under the Loan Documents (the 'Existing Event of Default'), which
Borrower acknowledges.

         1.2  Forbearance. Subject to the terms and conditions hereof, Silicon
agrees to forbear from exercising its rights and remedies under the Loan
Documents by reason of the Existing Event of Default until March 31, 2001 (the
'Forbearance Period'); provided no Additional Default shall occur. If an
Additional Default shall occur, Silicon shall be free to proceed to exercise its
rights and remedies by reason of the Existing Event of Default, without further
notice. In agreeing to forbear from exercising its rights and remedies, Silicon
is not waiving the Existing Event of Default or any rights or remedies in
connection therewith, all of which are expressly reserved. Upon expiration of
the Forbearance Period, Silicon shall be free to proceed to exercise its rights
and remedies by reason of the Existing Event of Default, without further notice.

         1.3  Waiver of Compliance. Silicon and Borrower hereby agree that
Borrower does not need to comply with the Tangible Net Worth financial covenant
set forth in the Loan Documents for the months ending October 31, 2000 through
March 31, 2001; provided no Additional Default shall occur. It is understood by
the Borrower and Silicon,
<PAGE>

however, that such waiver of compliance does not constitute a waiver of any
other provision or term of the Loan Agreement or any related document nor an
agreement to waive in the future compliance with these covenants or any other
provision or term of the Loan Agreement or any related document.

         1.4  Additional Default. 'Additional Default' as used herein means (i)
an Event of Default under a Loan Document, other than the Existing Event of
Default, or (ii) a breach of any of Borrower's obligations under this Agreement.

     2.  Fee. In consideration for Silicon entering into this Agreement,
Borrower shall concurrently pay Silicon a forbearance fee in the amount of
$5,000, which shall be fully earned on the date hereof, shall be in addition to
all interest and. all other fees and shall be nonrefundable. Silicon is
authorized to charge said fee to Borrower's loan. account.

     3.  Non-Renewal of Loan Agreement. Although not required under the. Loan
Agreement or any of the Loan Documents, Silicon nonetheless wishes to advise
Borrower (and each Guarantor) that Silicon will not RENEW OR extend the Loan
Agreement beyond the Maturity Date, as amended herein (the "Termination Date"),
As provided in the Loan Agreement, all of the `Obligations" (as defined in the
Loan Agreement) are to be paid in full on the Termination Date (or any earlier
effective date of termination), and termination does not in any way affect or
impair any of Silicon's rights or remedies, nor does termination relieve
Borrower (or any Guarantor) of any Obligation to Silicon until all of the
Obligations have been paid and performed in full.

     4.  Amendment to Credit Limit. Section 1 of the Schedule to Loan and
Security Agreement entitled 'CREDIT LIMIT' is hereby amended in its entirety to
read as follows:

         "1.      CREDIT LIMIT (Section 1.1): An amount not to exceed the lesser
                  of:

                    (i)  $5,000,000 at any one time outstanding (the "Maximum
                         Credit Limit); or

                    (ii) the sum of:

                         (a) 40% of the amount of Borrower's Eligible
                             Receivables (as defined in Section 8 above), plus

                         (b) the Permitted Overadvance Amount (as defined
                             below).

                    As used herein, the term "Permitted Overadvance Amount"
                    means, as of any date of determination, an amount equal to:
                    (1) during the lst day through the 16th day of any month,
                    $500,000; (2) during the 17th day through the 22nd day of
                    any month $-0- (the "Clean-Up Period"); and (3) during the
                    23rd
<PAGE>

                    day through the last day of any month, $500,000, PROVIDED,
                    HOWEVER, that from and after the Permitted Overadvance
                    Termination Date (as defined below), the Permitted
                    Overadvance Amount shall at all times mean an amount equal
                    to $-0-. As used herein, the term "Permitted Overadvance
                    Amount Termination Date means first date, IF ever, that
                    Borrower fails to comply with the Clean-Up Period.'

Borrower hereby acknowledges that Silicon has applied the CD security to the
amount of the outstanding Obligations.

     5.  Amendment to Interest. -Section 2 of the Schedule to Loan and Security
Agreement entitled "INTEREST" is hereby amended in its entirety to read as
follows:

         "2.      INTEREST

                  Interest Rate (Section 1.2):

                    A rate equal to the 'Prime Rate in effect from time to time,
                    plus 2.5% per annum. Interest shall be calculated on the
                    basis of a 360-day year for the actual number of days
                    elapsed. "Prime Rate" means the rate announced from time to
                    time by Silicon as its "prime rate;" it is a base rate upon
                    which other rates charged by Silicon are based, and it is
                    not necessarily the best rate available at Silicon. The
                    interest rate applicable to the Obligations shall change on
                    each date there is a change in the Prime Rate."

     6.  Amendment to Maturity Date. Section 4 of the Schedule to Loan and
Security Agreement is hereby amended to read as follows:

         "4.      MATURITY DATE (Section 6. 1): March 31, 2001."

     7.  Amendment to Financial Covenants. Section 5 of the Schedule to Loan and
Security Agreement entitled "FINANCIAL COVENANTS (Section 5.1)" is hereby
amended by adding the following financial covenant:

         "Performance to Plan:      Borrower's parent, The NetPlex Group, Inc.,
                                    on a consolidated basis, shall operate
                                    within ten percent (10%) of its projected
                                    quarterly 'Net Income/(Loss)' as set forth
                                    on that certain "NetPlex Group, Inc. and
                                    Contractor's Resources Consolidated
                                    Statements of Operations Year 2000" and
                                    "NetPlex Group, Inc. and Contractor's
                                    Resources Consolidated Statements of
                                    Operations Year 2001" attached hereto as
                                    Exhibit A."
<PAGE>

     8.  Covenant Regarding Stock of Contractors Resources, Inc. The Borrower
shall cause America's WORK Exchange, Inc. (AWE) to immediately deliver to
Silicon the Securities (as defined in that certain Pledge Agreement dated July
31, 2000 and executed by AWE in favor of Silicon (the 'Pledge Agreement)),
together with duly executed instruments of assignment thereof.

     9.  Covenant Regarding Copyrights. By March 31, 2001, if all Obligations
have not been paid and performed in full by Borrower and if Borrower, The
NetPlex Group, Inc. or Contractors Resources, Inc. has any unregistered
copyrights, then each of Borrower, The NetPlex Group, Inc. and Contractors
Resources, Inc., as applicable, shall have (i) caused all of its; unregistered
copyrights to be filed for registration with the United States copyright Office
(the "Copyrights"), (ii) executed and delivered to Silicon a Collateral
Assignment, Patent Mortgage and Security Agreement on Silicon's standard form
(the "IP Agreement), (iii) caused the IP Agreement to be filed in the United
States Copyright Office, and (iv) provided evidence of such recordation to
Silicon.

     10. Release. In consideration for Silicon entering into this Agreement, the
Borrower hereby irrevocably releases and forever discharges Silicon, and its
successors, assigns, agents, shareholders, directors, officers, employees,
agents, attorneys, parent corporations, subsidiary corporations, affiliated
corporations, affiliates, participants, and each of them, from any and all
claims, debts, liabilities, demands, obligations, costs, expenses, actions and
causes of action, of every nature and description, known and unknown, which
Borrower now has or at any time may hold, by reason of any matter, cause or
thing occurred, done, ornitted or suffered to be done prior to the date of this
Agreement. Borrower hereby irrevocably waives the benefits of California Civil
Code Section 1542 which provides: "A general release does not extend to claims
which the creditor does not know or suspect to exist in his favor at the time of
executing the release, which ff known by him must have materially affected his
settlement with the debtor." This release is fully effective on the date hereof.

     11. General Provisions.

         11.1 Integration; Amendment This Agreement and the other Loan Documents
set forth in full the terms of agreement between the parties and are intended as
the full, complete and exclusive contract governing the relationship between the
parties. This Agreement and the other Loan Documents supersede all other
discussions, promises, representations, warranties, agreements, and
understandings between the parties. All of the Obligations, and all of the Loan
Documents and all terms and provisions thereof shall continue in full force and
effect and the same are hereby ratified and confirmed. This Agreement may not be
modified or amended, nor may any rights hereunder be waived, except in a writing
signed by the party against whom enforcement of the modification, amendment or
waiver is sought. Nothing herein limits any of the covenants, agreements,
representations OR warranties in the Loan Agreement or any of the other Loan
Documents.

         11.2 Waivers. Any waiver of any condition in, or breach of, this
Agreement or any of the other Loan Documents in a particular instance shall be
only made by a specific
<PAGE>

written waiver signed by a duly authorized officer of Silicon and Borrower, and
any such waiver shall not operate as a waiver of other or subsequent conditions
or breaches of -the same or a different kind. Silicon's exercise or failure to
exercise any rights under this Agreement or any of the other Loan Documents in a
particular instance shall not operate as a waiver of its right to exercise the
same or different rights in subsequent instances.

         11.3 Other General Provisions. This Agreement shall be binding upon and
shall inure to the benefit of the parties hereto and their respective heirs,
personal representatives, successors and assigns, provided, however, that
Borrower may not assign or transfer any rights hereunder without the prior
written consent of Silicon. This Agreement does not create, and shall not be
construed as creating any rights enforceable by any person not a party to this
Agreement. Time is of the essence of each of the obligations of the parties
under, and each of the provisions of, this Agreement. The headings in this
Agreement are solely for convenience and shall be given no effect in the
construction or interpretation of this Agreement. This Agreement may be executed
in any number of counterparts, which together shall constitute one and the same
agreement. If any provision of this Agreement is held by a court of competent
jurisdiction to be invalid, illegal or unenforceable, the remaining provisions
of this Agreement shall nevertheless remain in full force and effect. Borrower
shall reimburse Silicon, for all of the reasonable costs, fees and expenses
(including without limitation reasonable attorneys' fees) which Silicon has
incurred or hereafter incurs in connection with the negotiation, drafting or
enforcement of this Agreement, or otherwise in connection with this Agreement or
the other Loan Documents, whether or not there is any litigation between the
parties hereto.

         11.4 Governing Law, Forum Selection. This Agreement shall be governed
by the laws of the State of California. As a material part of the consideration
to the parties for entering into this Agreement, each party (1) agrees that, at
the option of Silicon, all actions and proceedings based upon, arising out of or
relating in any way directly or indirectly to, this Agreement shall be litigated
exclusively in courts located within Santa Clara County, California, (2)
consents to the jurisdiction of any such court and consents to the service of
process in any such action or proceeding by personal delivery, first-class mail,
or any other method permitted by law, and (3) waives any and all rights to
transfer or change the venue of any such action or proceeding to any court
located outside Santa Clara County, California.

         11.5 MUTUAL WAYVER OF RIGHT TO JURY TRIAL. EACH PARTY TO THIS AGREEMENT
HEREBY WAIVES THE RIGHT TO TRIAL BY JURY IN ANY ACMON OR PROCEEDING BASED UPON,
ARISING OUT OF, OR IN ANY WAY RELATING TO: (I) THIS AGREEMENT OR ANY OF THE
OTHER LOAN DOCUMENTS; OR (II) ANY OTHER PRESENT OR FUTURE INSTRUMENT OR
AGREEMENT BETWEEN OR AMONG THENT OR (III) ANY CONDUCT, ACTS OR OMISSIONS OF ANY
PARTY TO THIS AGREEMENT OR ANY OF THEIR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS,
ATTORNEYS OR ANY OTHER PERSONS AFFILIATED WITH THEM; IN EACH OF THE.FOREGOING
CASES, WHETHER SOUNDING IN CONTRACT OR TORT OR OTHERWISE.

Borrower:                                   Silicon:
<PAGE>

NETPLEX SYSTEMS, INC.                       SILICON VALLEY BANK

By   Peter J. Russo                          By  Milad Harena
Title  Sr. VP & CFO                         Title Senior Vice President

By
Title
<PAGE>

                               CONSENT AND RELEASE

     Each of the undersigned acknowledges that its consent to the foregoing
Amendment to Loan Documents and Forbearance Agreement is not required, but the
undersigned nevertheless does hereby consent to the foregoing Amendment and
Forbearance and to the documents and agreements referred to therein and to all
future modifications and amendments thereto, and any termination thereof, and to
any and all other present and future documents and agreements between OR among
the foregoing parties. Nothing herein shall in any way limit any of the terms or
provisions of the Continuing Guarantee or any other Loan Document of the
undersigned, all of which are hereby ratified and affirmed.

     Each of the undersigned hereby irrevocably releases and forever discharges
Silicon, and its successors, assigns, agents, shareholders, directors, officers,
employees, agents, attorneys, parent corporations, subsidiary corporations,
affiliated corporations, affiliates, participants, and each of them, from any
and all claims, debts, liabilities, demands, obligations, costs, expenses,
actions and causes of action, of every nature and description, known and
unknown, which each of the undersigned now has or at any time may hold, by
reason of any matter, cause or thing occurred, done, omitted or suffered to be
done prior to the date of this Agreement., Each of the undersigned hereby
irrevocably waives the benefits of California Civil Code Section 1542 which
provides: "A general release does not extend to claims which the creditor does
not know or suspect to exist in his favor at the time of executing the release,
which if known by him must have materially affected his settlement with the
debtor." This release is fully effective on the date hereof.

         THE NETPLEX GROUP, INC.

         By:  Peter J. Russo
         Title:  Sr. VP & CFO
         Address:   1800 Robert Fulton Drive
                    Suite 250
                    Reston, Virginia 20191

         AMERICA'S WORK EXCHANGE, INC.

         By:  Peter J. Russo
         Title:  Sr. VP & CFO
         Address:   1800 Robert Fulton Drive
                    Suite 250
                    Reston, Virginia 20191

         CONTRACTORS RESOURCES, INC.

         By:  Peter J. Russo
         Title:  Sr. VP & CFO
         Address:   1800 Robert Fulton Drive
                    Suite 250
                    Reston, Virginia 20191<PAGE>

                                 Exhibit 10.1

<TABLE>
<CAPTION>
CONTACTS
<C>                            <S>
-----------------------------------------------------------------------------
      Administrator:          Barbara A Campbell
      Direct Phone No:        (714)247-6278
      Address:                Deutsche Bank
                              1761 E. St. Andrew Place
                              Santa Ana, CA 92705

      Web Site:               http://www-apps.gis.deutsche-bank.com/invr
      Factor Information:     (800) 735-7777
      Main Phone No:          (714) 247-6000
-----------------------------------------------------------------------------

ISSUANCE INFORMATION
------------------------------------------------------------------------------------------------------------------------------------
      Seller:                    GreenPoint Mortgage                                    Cut-Off Date:              November 30, 2000
      Certificate Insurer:       Financial Guaranty Insurance Corporation               Closing Date:              December 18, 2000
      Servicer(s):               GreenPoint Mortgage - Master Servicer                  First Payment Date:        January 16, 2001
      Underwriter(s):            Greenwich Capital Markets, Inc. Underwriter            Distribution Date:         March 15, 2001
                                                                                        Record Date:               March 14, 2001
------------------------------------------------------------------------------------------------------------------------------------
</TABLE>
<PAGE>

                   GreenPoint Home Equity Loan Trust 2000-3
                     Home Equity Loan Asset-Backed Notes
                                Series 2000-3
          Certificate Payment Report for March 15, 2001 Distribution

<TABLE>
<CAPTION>
Distribution in Dollars - Current Period
----------------------------------------------------------------------------------------------------------------------------------
                                     Prior                                                                              Current
       Class       Original        Principal                                    Total       Realized   Deferred        Principal
Class  Type       Face Value        Balance        Interest     Principal    Distribution    Losses    Interest         Balance
----------------------------------------------------------------------------------------------------------------------------------
                                      (1)             (2)         (3)        (4)=(2)+(3)        (5)      (6)          (7)=(1)-(3)
                                                                                                                       -(5)+(6)
----------------------------------------------------------------------------------------------------------------------------------
<S>   <C>       <C>             <C>               <C>         <C>            <C>            <C>         <C>              <C>
A-1   FLT,STEP  102,736,000.00  102,345,850.74    460,001.95  2,211,492.77   2,671,494.72           -        -      100,134,357.97
A-2   FLT,STEP   98,584,000.00   97,705,693.58    439,146.38  1,935,934.08   2,375,080.46           -        -       95,769,759.50
A-3   FLT,STEP   97,966,000.00   95,153,068.55    428,413.48  3,165,448.83   3,593,862.31           -        -       91,987,619.72
S                            -               -             -             -              -           -        -                   -
R                            -               -             -             -              -           -        -                   -
----------------------------------------------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------------------------------------------
Total           299,286,000.00  295,204,612.87  1,327,561.81  7,312,875.68   8,640,437.49           -        -      287,891,737.19
----------------------------------------------------------------------------------------------------------------------------------

Interest Accrual Detail               Current Period Factor Information per $1,000 of Original Face
-----------------------------------------------------------------------------------------------------------------------------------
                                                       Orig. Principal     Prior                                          Current
         Period     Period                             (with Notional)   Principal                             Total     Principal
Class   Starting    Ending     Method        Cusip          Balance       Balance    Interest  Principal    Distribution  Balance
-----------------------------------------------------------------------------------------------------------------------------------
                                                                            (1)         (2)       (3)       (4)=(2)+(3)     (5)
-----------------------------------------------------------------------------------------------------------------------------------
<S>      <C>        <C>        <C>         <C>          <C>              <C>         <C>        <C>          <C>         <C>
A-1      02/15/01   03/14/01   A-Act/360   395385AF4    102,736,000.00   996.202409  4.477515   21.525977    26.003492  974.676433
A-2      02/15/01   03/14/01   A-Act/360   395385AG2     98,584,000.00   991.090781  4.454540   19.637406    24.091947  971.453375
A-3      02/15/01   03/14/01   A-Act/360   395385AH0     97,966,000.00   971.286656  4.373083   32.311708    36.684792  938.974948
S                                  -                                 -            -         -           -            -           -
R                                  -                                 -            -         -           -            -           -
-----------------------------------------------------------------------------------------------------------------------------------

Distribution in Dollars - to Date
-----------------------------------------------------------------------------------------------------------------------------------
         Original                    Unscheduled    Scheduled        Total           Total       Realized   Deferred    Principal
Class   Face Value       Interest     Principal     Principal      Principal      Distribution    Losses    Interest     Balance
-----------------------------------------------------------------------------------------------------------------------------------
           (1)             (2)           (3)           (4)        (5)=(3)+(4)     (6)=(2)+(5)      (7)        (8)     (9)=(1)-(5)-
                                                                                                                       (7)+(8)
-----------------------------------------------------------------------------------------------------------------------------------
<S>    <C>              <C>           <C>            <C>           <C>             <C>             <C>
A-1   102,736,000.00   1,551,868.00  1,981,195.03     620,447.00   2,601,642.03    4,153,510.03        -         -   100,134,357.97
A-2    98,584,000.00   1,485,781.66  2,147,442.68     666,797.82   2,814,240.50    4,300,022.16        -         -    95,769,759.50
A-3    97,966,000.00   1,459,668.61  5,371,548.77     606,831.51   5,978,380.28    7,438,048.89        -         -    91,987,619.72
S                  -              -             -              -              -               -        -         -                -
R                  -              -             -              -              -               -        -         -                -
-----------------------------------------------------------------------------------------------------------------------------------
Total 299,286,000.00   4,497,318.27  9,500,186.48   1,894,076.33  11,394,262.81   15,891,581.08        -         -   287,891,737.19
-----------------------------------------------------------------------------------------------------------------------------------

Interest Detail
-----------------------------------------------------------------------------------------------------------------------------------
        Pass-    Prior Principal                    Non-       Prior       Unscheduled                         Paid or     Current
       Through   (with Notional)      Accrued    Supported    Unpaid        Interest           Optimal        Deferred     Unpaid
Class   Rate         Balance          Interest    Interest   Interest      Adjustments        Interest        Interest    Interest
-----------------------------------------------------------------------------------------------------------------------------------
                                         (1)        (2)         (3)            (4)            (5)=(1)-           (6)    (7)=(5)-(6)
-----------------------------------------------------------------------------------------------------------------------------------

</TABLE>
<PAGE>

<TABLE>
<CAPTION>

<S>    <C>        <C>              <C>           <C>         <C>         <C>                <C>              <C>        <C>
-----------------------------------------------------------------------------------------------------------------------------------
                                                                                             (2)+(3)+(4)
-----------------------------------------------------------------------------------------------------------------------------------
A-1     5.77875%  102,345,850.74     460,001.95         -          -                -         460,001.95     460,001.95           -
A-2     5.77875%   97,705,693.58     439,146.38         -          -                -         439,146.38     439,146.38           -
A-3     5.78875%   95,153,068.55     428,413.48         -          -                -         428,413.48     428,413.48           -
S                              -              -         -          -                -                  -              -           -
R                              -              -         -          -                -                  -              -           -
-----------------------------------------------------------------------------------------------------------------------------------
-----------------------------------------------------------------------------------------------------------------------------------
Total             295,204,612.87   1,327,561.81         -          -                -       1,327,561.81   1,327,561.81           -
-----------------------------------------------------------------------------------------------------------------------------------
</TABLE>
<PAGE>

<TABLE>
<CAPTION>
--------------------------------------------------------------------------------
                            Collection Account Report
--------------------------------------------------------------------------------
<S>                                                               <C>             <C>              <C>              <C>
SUMMARY                                                           POOL III        POOL II          POOL I           TOTAL
-----------------------------------------------------------------------------------------------------------------------------------
   Net Principal Collections                                    2,808,892.46    1,551,402.37    1,764,853.13     6,125,147.96

   TOTAL PRINCIPAL                                              2,808,892.46    1,551,402.37    1,764,853.13     6,125,147.96

   Interest Collections                                           798,779.20      838,044.97      921,665.72     2,558,489.89
   Interest Fees                                                  (13,809.35)     (14,366.88)     (15,024.13)      (43,200.36)

   TOTAL INTEREST                                                 784,969.85      823,678.09      906,641.59     2,515,289.53

   TOTAL AVAILABLE FUNDS                                        3,593,862.31    2,375,080.46    2,671,494.72     8,640,437.49
-----------------------------------------------------------------------------------------------------------------------------------

PRINCIPAL - COLLECTIONS                                           POOL III       POOL II          POOL I          TOTAL
-----------------------------------------------------------------------------------------------------------------------------------
<S>                                                      <C>             <C>              <C>              <C>
Principal Collections                                         5,350,805.51    3,435,980.65    3,641,237.96   12,428,024.12
Repurchases/Substitutions                                             0.00            0.00            0.00            0.00
Liquidations                                                          0.00            0.00            0.00            0.00
Insurance Principal                                                   0.00            0.00            0.00            0.00
Liquidation Loss Amounts                                              0.00            0.00            0.00            0.00
Additional Balances                                          (2,541,913.05)  (1,884,578.28)  (1,876,384.83)  (6,302,876.16)

TOTAL PRINCIPAL COLLECTED                                     2,808,892.46    1,551,402.37    1,764,853.13   6,125,147.96
-----------------------------------------------------------------------------------------------------------------------------------

PRINCIPAL - WITHDRAWALS                                           POOL III       POOL II          POOL I          TOTAL
-----------------------------------------------------------------------------------------------------------------------------------
<S>                                                          <C>                 <C>              <C>             <C>
                                                  SPACE INTENTIONALLY LEFT BLANK

-----------------------------------------------------------------------------------------------------------------------------------

PRINCIPAL - OTHER ACCOUNTS                                        POOL III       POOL II          POOL I          TOTAL
-----------------------------------------------------------------------------------------------------------------------------------
<S>                                                          <C>                 <C>              <C>             <C>
                                                  SPACE INTENTIONALLY LEFT BLANK

-----------------------------------------------------------------------------------------------------------------------------------

INTEREST - COLLECTIONS                                            POOL III       POOL II          POOL I          TOTAL
-----------------------------------------------------------------------------------------------------------------------------------
<S>                                                          <C>                 <C>              <C>             <C>
Interest Collections                                             837,667.67      878,019.93      963,587.44     2,679,275.04
Repurchases/Substitutions                                              0.00            0.00            0.00             0.00
Liquidations                                                           0.00            0.00            0.00             0.00
Insurance Interest                                                     0.00            0.00            0.00             0.00
Other Additional Interest                                              0.00            0.00            0.00             0.00
Current Servicing Fee                                            (38,888.47)     (39,974.96)     (41,921.72)     (120,785.15)

TOTAL INTEREST                                                   798,779.20      838,044.97      921,665.72     2,558,489.89
-----------------------------------------------------------------------------------------------------------------------------------
</TABLE>
<PAGE>

<TABLE>
<CAPTION>
INTEREST - WITHDRAWALS                                            POOL III       POOL II          POOL I          TOTAL
---------------------------------------------------------------------------------------------------------------------------------
<S>                                                          <C>                 <C>              <C>             <C>
                                                  SPACE INTENTIONALLY LEFT BLANK

---------------------------------------------------------------------------------------------------------------------------------

INTEREST - OTHER ACCOUNTS                                         POOL III       POOL II          POOL I          TOTAL
---------------------------------------------------------------------------------------------------------------------------------
<S>                                                          <C>                 <C>              <C>             <C>
                                                  SPACE INTENTIONALLY LEFT BLANK

---------------------------------------------------------------------------------------------------------------------------------

INTEREST - FEES                                                  POOL III        POOL II        POOL I            TOTAL
---------------------------------------------------------------------------------------------------------------------------------
<S>                                                          <C>                 <C>              <C>             <C>
   Trustee Fee                                                     777.77         799.50         838.43        2,415.70
   Certificate Insurer Premium                                  13,031.58      13,567.38      14,185.70       40,784.66
   Management Fee                                                    0.00           0.00           0.00            0.00

   TOTAL INTEREST FEES                                          13,809.35      14,366.88      15,024.13       43,200.36
---------------------------------------------------------------------------------------------------------------------------------
</TABLE>
<PAGE>

<TABLE>
<CAPTION>
--------------------------------------------------------------------------------
                            Credit Enhancement Report
--------------------------------------------------------------------------------

ACCOUNTS                                                         POOL III        POOL II        POOL I            TOTAL
--------------------------------------------------------------------------------------------------------------------------
<S>                                                            <C>            <C>            <C>            <C>
   Beginning Reserve Fund Balance                                       0.00           0.00           0.00            0.00
   Curr Period Amounts Dep to Res Fund                                  0.00           0.00           0.00            0.00
   Curr Withdrawal from Reserve Fund                                    0.00           0.00           0.00            0.00
   Reserve Fund Balance                                                 0.00           0.00           0.00            0.00
--------------------------------------------------------------------------------------------------------------------------

INSURANCE                                                         POOL III        POOL II        POOL I          TOTAL
--------------------------------------------------------------------------------------------------------------------------
<S>                                                             <C>            <C>            <C>            <C>
   Insured Amount                                                       0.00           0.00           0.00            0.00
   Reimbursements to the Insurer                                        0.00           0.00           0.00            0.00
   Cumulative Insurance Payment                                         0.00           0.00           0.00            0.00

   Draws on the Policy                                                  0.00           0.00           0.00            0.00
   Draws on the Demand Note                                             0.00           0.00           0.00            0.00

   Interest portion of Guarantee Payment                                0.00           0.00           0.00            0.00
   Principal portion of Guarantee Payment                               0.00           0.00           0.00            0.00

   Guarantee Payment for this date                                      0.00           0.00           0.00            0.00
   Cumulative Guaranty Payments                                         0.00           0.00           0.00            0.00
---------------------------------------------------------------------------------------------------------------------------

STRUCTURAL FEATURES                                               POOL III        POOL II         POOL I          TOTAL
---------------------------------------------------------------------------------------------------------------------------

<S>                                                             <C>            <C>            <C>            <C>
   Pool Delinquency Rate                                             0.8905%        0.4711%        0.3044%
   Rolling Six-month Pool Delinquency Rate                           0.6048%        0.3139%        0.2144%

   Prior Overcollateralization Amount                                   0.00           0.00           0.00            0.00
   Specified Overcollateralization Amount                       2,161,032.93   2,174,666.96   2,266,243.04    6,601,942.94
   Overcollateralization Amount                                         0.00           0.00           0.00            0.00
   Overcollateralization Deficiency Amount                      2,161,032.93   2,174,666.96   2,266,243.04    6,601,942.94

   Overcollateralization Deficit                                1,464,177.26   1,381,247.64   1,287,088.54    4,132,513.44
   Overcollateralization Reduction Amount                               0.00           0.00           0.00            0.00
   Step-Up Overcollateralization Amount                                 0.00           0.00           0.00            0.00

   Current Accelerated Principal Payment                                0.00           0.00           0.00            0.00
   Cumulative Accelerated Principal Payment                             0.00           0.00           0.00            0.00
--------------------------------------------------------------------------------------------------------------------------
</TABLE>
<PAGE>

--------------------------------------------------------------------------------
                            Collateral Report
--------------------------------------------------------------------------------

<TABLE>
<CAPTION>

 COLLATERAL                                                       POOL III         POOL II         POOL I          TOTAL
--------------------------------------------------------------------------------------------------------------------------
   <S>                                                             <C>            <C>            <C>               <C>

   Loan Count:
   Original                                                              583          2,188          2,664           5,435
   Prior                                                                 556          2,140          2,586           5,282
   Prefunding                                                              -              -              -               -
   Scheduled                                                               -              -              -               -
   Paid Offs
   Full                                                                  (17)           (47)           (63)           (127)
   Voluntary
   Prepayments
   Repurchases                                                             -              -              -               -
   Liquidations                                                            -              -              -               -
--------------------------------------------------------------------------------------------------------------------------
   Current                                                               539          2,093          2,523           5,155

   Principal Balance:
   Original                                                    96,045,908.07  96,651,865.01 100,721,912.99  293,419,686.07
   Prior                                                       93,332,334.92  95,939,914.23 100,612,122.56  289,884,371.71
   Prefunding                                                   2,541,913.05   1,884,578.28   1,876,384.83    6,302,876.16
   Scheduled                                                     (120,617.61)   (129,152.53)   (109,861.49)    (359,631.63)
   Principal
   Partial and                                                 (5,230,187.90) (3,306,828.12) (3,531,376.47) (12,068,392.49)
   Full
   Voluntary
   Prepayments
   Repurchases                                                             -              -              -               -
--------------------------------------------------------------------------------------------------------------------------
   Liquidations                                                            -              -              -               -
   Current                                                     90,523,442.46  94,388,511.86  98,847,269.43  283,759,223.75
--------------------------------------------------------------------------------------------------------------------------
</TABLE>

<TABLE>
<CAPTION>
PREFUNDING                                                        POOL III        POOL II         POOL I          TOTAL
--------------------------------------------------------------------------------------------------------------------------

<S>                                                               <C>             <C>             <C>             <C>

                                                      SPACE INTENTIONALLY LEFT BLANK

--------------------------------------------------------------------------------------------------------------------------
</TABLE>

<TABLE>
<CAPTION>
CHARACTERISTICS                                                   POOL III        POOL II         POOL I          TOTAL
--------------------------------------------------------------------------------------------------------------------------
<S>                                                               <C>             <C>             <C>             <C>

Weighted Average Coupon Original                                   7.491710%      7.985425%      8.355685%       7.950915%
Weighted Average  Coupon Prior                                     7.853720%      8.318279%      8.920488%       8.377171%
Weighted Average Coupon Current                                   11.628811%     11.521431%     11.789581%      11.649072%
--------------------------------------------------------------------------------------------------------------------------
Weighted Average Months to Maturity Original                             194            199            197             197
Weighted Average Months to Maturity Prior                                193            198            195             195
Weighted Average Months to Maturity Current                              191            197            194             194
--------------------------------------------------------------------------------------------------------------------------
Weighted Avg Remaining Amortization Term Original                        200            214            208             207
Weighted Avg Remaining Amortization Term Prior                           200            214            207             207
Weighted Avg Remaining Amortization Term Current                         199            213            206             206
--------------------------------------------------------------------------------------------------------------------------
Weighted Average Seasoning Original                                     2.84           2.88           3.04            2.93
Weighted Average Seasoning Prior                                        2.85           2.87           3.04            2.92
Weighted Average Seasoning Current                                      3.85           3.87           4.03            3.92
--------------------------------------------------------------------------------------------------------------------------
Note:  Original information refers to deal issue.
</TABLE>

<TABLE>
<CAPTION>
ARM CHARACTERISTICS                                               POOL III        POOL II         POOL I          TOTAL
--------------------------------------------------------------------------------------------------------------------------
<S>                                                               <C>             <C>             <C>             <C>
Weighted Average Margin Original                                      2.966%         2.411%         2.558%
Weighted Average Margin Prior                                         2.995%         2.402%         2.566%
Weighted Average Margin Current                                       2.987%         2.392%         2.565%
--------------------------------------------------------------------------------------------------------------------------
Weighted Average Max Rate Original                                   17.703%        17.039%        17.227%
Weighted Average Max Rate Prior                                      17.704%        17.057%        17.239%
Weighted Average Max Rate Current                                    17.705%        17.071%        17.252%
--------------------------------------------------------------------------------------------------------------------------
Weighted Average Min Rate Original                                    6.606%         7.182%         7.837%

</TABLE>
<PAGE>

<TABLE>
<CAPTION>

<S>                                                               <C>             <C>             <C>             <C>

Weighted Average Min Rate Prior                                       6.625%         7.172%         7.818%
Weighted Average Min Rate Current                                     6.627%         7.167%         7.824%
--------------------------------------------------------------------------------------------------------------------------
Weighted Average Cap Up Original
Weighted Average Cap Up Prior
Weighted Average Cap Up Current
--------------------------------------------------------------------------------------------------------------------------
Weighted Average Cap Down Original
Weighted Average Cap Down Prior
Weighted Average Cap Down Current
--------------------------------------------------------------------------------------------------------------------------
Note:  Original information refers to deal issue.
</TABLE>

<TABLE>
<CAPTION>

SERVICING FEES / ADVANCES                                         POOL III        POOL II         POOL I          TOTAL
--------------------------------------------------------------------------------------------------------------------------
<S>                                                               <C>             <C>             <C>             <C>
TOTAL SERVICING FEE                                                38,888.47      39,974.96      41,921.72      120,785.15

--------------------------------------------------------------------------------------------------------------------------
</TABLE>

<TABLE>
<CAPTION>
ADDITIONAL COLLATERAL INFORMATION                                 POOL III        POOL II         POOL I           TOTAL
--------------------------------------------------------------------------------------------------------------------------

<S>                                                               <C>             <C>             <C>             <C>

                                                   SPACE INTENTIONALLY LEFT BLANK

--------------------------------------------------------------------------------------------------------------------------
</TABLE>
<PAGE>

--------------------------------------------------------------------------------
                           Delinquency Report - Total
--------------------------------------------------------------------------------

<TABLE>
<CAPTION>
                                                     CURRENT           1 PAYMENT       2  PAYMTS      3+  PAYMTS        TOTAL
---------------------------------------------------------------------------------------------------------------------------------
<S>                                                       <C>               <C>             <C>            <C>               <C>
DELINQUENT     Balance                                                  4,240,390.99     587,590.63     137,678.20   4,965,659.82
               % Balance                                                       1.49%          0.21%          0.05%          1.75%
               # Loans                                                            52             13              4             69
               % # Loans                                                       1.01%          0.25%          0.08%          1.34%
---------------------------------------------------------------------------------------------------------------------------------
FORECLOSURE    Balance                                           -                 -              -     910,387.40     910,387.40

               % Balance                                     0.00%             0.00%          0.00%          0.32%          0.32%
               # Loans                                           -                 -              -              8              8
               % # Loans                                     0.00%             0.00%          0.00%          0.16%          0.16%
---------------------------------------------------------------------------------------------------------------------------------
BANKRUPTCY     Balance                                  158,672.34                 -      21,529.62              -     180,201.96

               % Balance                                     0.06%             0.00%          0.01%          0.00%          0.06%
               # Loans                                           4                 -              1              -              5
               % # Loans                                     0.08%             0.00%          0.02%          0.00%          0.10%
---------------------------------------------------------------------------------------------------------------------------------
REO            Balance                                           -                 -              -              -              -
               % Balance                                     0.00%             0.00%          0.00%          0.00%          0.00%
               # Loans                                           -                 -              -              -              -
               % # Loans                                     0.00%             0.00%          0.00%          0.00%          0.00%
---------------------------------------------------------------------------------------------------------------------------------

---------------------------------------------------------------------------------------------------------------------------------
TOTAL          Balance                                  158,672.34        4,240,390.99   609,120.25   1,048,065.60   6,056,249.18
               % Balance                                     0.06%             1.49%          0.21%          0.37%          2.13%
               # Loans                                           4                52             14             12             82
               % # Loans                                     0.08%             1.01%          0.27%          0.23%          1.59%
---------------------------------------------------------------------------------------------------------------------------------
Note:  Current = 0-29days, 1 Payment =30-59days, 2 Payments = 60-89days, 3+ Payments = 90+
</TABLE>

--------------------------------------------------------------------------------
                        Delinquency Report - Pool I Group
--------------------------------------------------------------------------------

<TABLE>
<CAPTION>
                                                     CURRENT           1 PAYMENT       2  PAYMTS      3+  PAYMTS        TOTAL
---------------------------------------------------------------------------------------------------------------------------------
<S>                                                  <C>               <C>             <C>            <C>               <C>
DELINQUENT     Balance                                                  1,260,584.23     230,668.47              -   1,491,252.70
               % Balance                                                       1.28%          0.23%          0.00%          1.51%
               # Loans                                                            24              8              -             32
               % # Loans
---------------------------------------------------------------------------------------------------------------------------------
FORECLOSURE    Balance                                           -                 -              -     154,205.63     154,205.63
               % Balance                                     0.00%             0.00%          0.00%          0.16%          0.16%
               # Loans                                           -                 -              -              3              3
               % # Loans                                     0.00%             0.00%          0.00%          0.12%          0.12%
---------------------------------------------------------------------------------------------------------------------------------
BANKRUPTCY     Balance                                  143,851.62                 -      21,529.62              -     165,381.24
               % Balance                                     0.15%             0.00%          0.02%          0.00%          0.17%
               # Loans                                           3                 -              1              -              4
               % # Loans                                     0.12%             0.00%          0.04%          0.00%          0.16%
---------------------------------------------------------------------------------------------------------------------------------
REO            Balance                                           -                 -              -              -              -
               % Balance                                     0.00%             0.00%          0.00%          0.00%          0.00%
               # Loans                                           -                 -              -              -              -
               % # Loans                                     0.00%             0.00%          0.00%          0.00%          0.00%
---------------------------------------------------------------------------------------------------------------------------------

---------------------------------------------------------------------------------------------------------------------------------
TOTAL          Balance                                  143,851.62      1,260,584.23     252,198.09     154,205.63   1,810,839.57
               % Balance                                     0.15%             1.28%          0.26%          0.16%          1.83%
               # Loans                                           3                24              9              3             39
               % # Loans                                     0.12%             0.95%          0.36%          0.12%          1.55%
---------------------------------------------------------------------------------------------------------------------------------
Note:  Current = 0-29days, 1 Payment =30-59days, 2 Payments = 60-89days, 3+ Payments = 90+
</TABLE>
<PAGE>

--------------------------------------------------------------------------------
                       Delinquency Report - Pool II Group
--------------------------------------------------------------------------------

<TABLE>
<CAPTION>
                                                     CURRENT           1 PAYMENT       2  PAYMTS      3+  PAYMTS        TOTAL
---------------------------------------------------------------------------------------------------------------------------------
<S>                                                  <C>               <C>             <C>            <C>               <C>
DELINQUENT     Balance                                                  1,013,561.39     213,422.16     137,638.20   1,364,621.75
               % Balance                                                       1.07%          0.23%          0.15%          1.45%
               # Loans                                                            20              4              3             27
               % # Loans                                                       0.96%          0.19%          0.14%          1.29%
---------------------------------------------------------------------------------------------------------------------------------
FORECLOSURE    Balance                                           -                 -              -      93,588.11      93,588.11
               % Balance                                     0.00%             0.00%          0.00%          0.10%          0.10%
               # Loans                                           -                 -              -              3              3
               % # Loans                                     0.00%             0.00%          0.00%          0.14%          0.14%
---------------------------------------------------------------------------------------------------------------------------------
BANKRUPTCY     Balance                                   14,820.72                 -              -              -      14,820.72
               % Balance                                     0.02%             0.00%          0.00%          0.00%          0.02%
               # Loans                                           1                 -              -              -              1
               % # Loans                                     0.05%             0.00%          0.00%          0.00%          0.05%
---------------------------------------------------------------------------------------------------------------------------------

REO            Balance                                           -                 -              -              -              -
               % Balance                                     0.00%             0.00%          0.00%          0.00%          0.00%
               # Loans                                           -                 -              -              -              -
               % # Loans                                     0.00%             0.00%          0.00%          0.00%          0.00%
---------------------------------------------------------------------------------------------------------------------------------

---------------------------------------------------------------------------------------------------------------------------------
TOTAL          Balance                                   14,820.72      1,013,561.39     213,422.16     231,226.31   1,473,030.58
               % Balance                                     0.02%             1.07%          0.23%          0.24%          1.56%
               # Loans                                           1                20              4              6             31
               % # Loans                                     0.05%             0.96%          0.19%          0.29%          1.48%
---------------------------------------------------------------------------------------------------------------------------------
Note:  Current = 0-29days, 1 Payment =30-59days, 2 Payments = 60-89days, 3+ Payments = 90+
</TABLE>

--------------------------------------------------------------------------------
                       Delinquency Report - Pool III Group
--------------------------------------------------------------------------------

<TABLE>
<CAPTION>
                                                     CURRENT           1 PAYMENT       2  PAYMTS      3+  PAYMTS        TOTAL
---------------------------------------------------------------------------------------------------------------------------------
<S>                                                  <C>               <C>             <C>            <C>               <C>
DELINQUENT     Balance                                                  1,966,245.37     143,500.00          40.00   2,109,785.37
               % Balance                                                       2.17%          0.16%          0.00%          2.33%
               # Loans                                                             8              1              1             10
               % # Loans                                                       1.48%          0.19%          0.19%          1.86%
---------------------------------------------------------------------------------------------------------------------------------
FORECLOSURE    Balance                                           -                 -              -     662,593.66     662,593.66
               % Balance                                     0.00%             0.00%          0.00%          0.73%          0.73%
               # Loans                                           -                 -              -              2              2
               % # Loans                                     0.00%             0.00%          0.00%          0.37%          0.37%
---------------------------------------------------------------------------------------------------------------------------------
BANKRUPTCY     Balance                                           -                 -              -              -              -
               % Balance                                     0.00%             0.00%          0.00%          0.00%          0.00%
               # Loans                                           -                 -              -              -              -
               % # Loans                                     0.00%             0.00%          0.00%          0.00%          0.00%
---------------------------------------------------------------------------------------------------------------------------------
REO            Balance                                           -                 -              -              -              -
               % Balance                                     0.00%             0.00%          0.00%          0.00%          0.00%
               # Loans                                           -                 -              -              -              -
               % # Loans                                     0.00%             0.00%          0.00%          0.00%          0.00%
---------------------------------------------------------------------------------------------------------------------------------

---------------------------------------------------------------------------------------------------------------------------------
TOTAL          Balance                                           -      1,966,245.37     143,500.00     662,633.66   2,772,379.03
               % Balance                                     0.00%             2.17%          0.16%          0.73%          3.06%
               # Loans                                           -                 8              1              3             12
               % # Loans                                     0.00%             1.48%          0.19%          0.56%          2.23%
---------------------------------------------------------------------------------------------------------------------------------
Note:  Current = 0-29days, 1 Payment =30-59days, 2 Payments = 60-89days, 3+ Payments = 90+
</TABLE>
<PAGE>

--------------------------------------------------------------------------------
    REO Report - Mortgage Loans that Become REO During Current Distribution
--------------------------------------------------------------------------------

<TABLE>
<CAPTION>

SUMMARY                                                          LOAN GROUP
---------------------------------------------------------------------------------------------------------------------------------
<S>                                                           <C>
Total Loan Count =   0                                       Loan Group 1 = Pool I Group; REO Book Value = 000.00
Total Original Principal Balance =   000.00                  Loan Group 2 = Pool II Group; REO Book Value = 000.00
Total Current Balance =   000.00                             Loan Group 3 = Pool III Group; REO Book Value = 000.00
REO Book Value =   000.00                                    Loan Group 3 = Pool III Group; REO Book Value = 000.00
---------------------------------------------------------------------------------------------------------------------------------
REO Book Value reported corresponds to total REO loans, including loans that become REO during current distribution.
</TABLE>

<TABLE>
<CAPTION>

---------------------------------------------------------------------------------------------------------------------------------
   Loan Number            Original           Stated                        Current       State &
        &                Principal          Principal        Paid to        Note          LTV at       Original      Origination
   Loan  Group            Balance            Balance           Date         Rate       Origination       Term            Date
---------------------------------------------------------------------------------------------------------------------------------
<S>                        <C>                 <C>             <C>          <C>         <C>             <C>           <C>

                                                    SPACE INTENTIONALLY LEFT BLANK

---------------------------------------------------------------------------------------------------------------------------------
</TABLE>
<PAGE>

--------------------------------------------------------------------------------
                    Prepayment Report - Voluntary Prepayments
--------------------------------------------------------------------------------

<TABLE>
<CAPTION>
VOLUNTARY PREPAYMENTS                                             POOL III        POOL II         POOL I          TOTAL
--------------------------------------------------------------------------------------------------------------------------
<S>                                                               <C>             <C>             <C>             <C>

Current
Number of Paid in Full Loans                                              17             47             63             127
Number of Repurchased Loans                                                -              -              -               -
--------------------------------------------------------------------------------------------------------------------------
Total Number of Loans Prepaid in Full                                     17             47             63             127

Paid in Full Balance                                            3,528,821.45   2,118,238.37   2,525,685.98    8,172,745.80
Repurchased Loans Balance                                                  -              -              -               -
Curtailments Amount                                             1,701,366.45   1,188,589.75   1,005,690.49    3,895,646.69
--------------------------------------------------------------------------------------------------------------------------
Total Prepayment Amount                                         5,230,187.90   3,306,828.12   3,531,376.47   12,068,392.49

Cumulative
Number of Paid in Full Loans                                              44             95            141             280
Number of Repurchased Loans                                                -              -              -               -
--------------------------------------------------------------------------------------------------------------------------
Total Number of Loans Prepaid in Full                                     44             95           141             280

Paid in Full Balance                                            8,844,499.76   4,866,083.99   5,717,941.98   19,428,525.73
Repurchased Loans Balance                                                  -              -              -               -
Curtailments Amount                                             6,702,010.84   3,551,806.59   4,055,497.06   14,309,314.49
--------------------------------------------------------------------------------------------------------------------------
Total Prepayment Amount                                        15,546,510.60   8,417,890.58   9,773,439.04   33,737,840.22

                                                  SPACE INTENTIONALLY LEFT BLANK

--------------------------------------------------------------------------------------------------------------------------
</TABLE>

<TABLE>
<CAPTION>
VOLUNTARY PREPAYMENTS RATES                                       POOL III        POOL II         POOL I          TOTAL
--------------------------------------------------------------------------------------------------------------------------
<S>                                                               <C>             <C>             <C>             <C>
SMM                                                                    5.61%          3.45%          3.51%           4.17%
3 Months Avg SMM                                                       5.50%          2.92%          3.25%           3.87%
12 Months Avg SMM
Avg SMM Since Cut-off                                                  5.50%          2.92%          3.25%           3.87%

CPR
3 Months Avg CPR                                                      49.99%         34.39%         34.90%          40.01%
12 Months Avg CPR                                                     49.30%         29.95%         32.69%          37.73%
Avg CPR Since Cut-off                                                 49.30%         29.95%         32.69%          37.73%

PSA
3 Months Avg PSA Approximation                                      6488.55%       4449.20%       4329.02%        5104.48%
12 Months Avg PSA Approximation                                     7746.91%       4670.27%       4846.68%        5793.85%
Avg PSA Since Cut-off Approximation                                 7746.91%       4670.27%       4846.68%        5793.85%

--------------------------------------------------------------------------------------------------------------------------
</TABLE>

<TABLE>
<CAPTION>
PREPAYMENT CALCULATION METHODOLOGY
---------------------------------------------------------------------------------------------------------------------
<S>        <C>

Single Monthly Mortality (SMM): (Voluntary partial and full prepayments + Repurchases)/(Beg Principal Balance - Sched
Principal)

Conditional Prepayment Rate (CPR): 1-((1-SMM)12)

PSA Standard Prepayment Model: CPR/(0.02*min(30,WAS))

Average SMM over period between nth month and mth month (AvgSMMn,m): [(1-SMMn)* 1-SMMn+1) *.......*(1-SMMm)](1/months
in period n,m)

</TABLE>
<PAGE>

<TABLE>
<CAPTION>

<S>        <C>

Average CPR over period between the nth month and mth month (AvgCPRn,m):1-((1-AvgSMMn,m)12)

Average PSA Approximation over period between the nth month and mth month: AvgCPRn,m/(0.02*Avg WASn,m))

Average WASn,m: (min(30,WASn)+min(30,WASn+1)+.......+min(30,WASm)/(number of months in the period n,m)

Weighted Average Seasoning (WAS)

Note: Prepayment rates are calculated since deal issue date and include partial and full voluntary prepayments and
      repurchases. Dates correspond to distribution dates.
--------------------------------------------------------------------------------------------------------------------------
</TABLE>
<PAGE>

--------------------------------------------------------------------------------
                       Realized Loss Report - Collateral
--------------------------------------------------------------------------------

<TABLE>
<CAPTION>
COLLATERAL REALIZED LOSSES                                        POOL III        POOL II         POOL I          TOTAL
--------------------------------------------------------------------------------------------------------------------------
<S>                                                               <C>             <C>             <C>             <C>

Current

Number of Loans Liquidated                                                 -              -              -               -
Collateral Realized Loss/(Gain) Amount                                     -              -              -               -
Net Liquidation Proceeds                                                   -              -              -               -

Cumulative
Number of Loans Liquidated                                                 -              -              -               -
Collateral Realized Loss/(Gain) Amount                                     -              -              -               -
Net Liquidation Proceeds                                                   -              -              -               -

Note: Collateral realized losses may include adjustments to loans
liquidated in prior periods.

Cumulative Losses as % of Original Balance                           0.0000%        0.0000%        0.0000%         0.0000%

Cumulative Losses as % of Current Balance                            0.0000%        0.0000%        0.0000%         0.0000%

--------------------------------------------------------------------------------------------------------------------------
</TABLE>

<TABLE>
<CAPTION>
DEFAULT SPEEDS                                                    POOL III        POOL II         POOL I          TOTAL
--------------------------------------------------------------------------------------------------------------------------
<S>                                                               <C>             <C>             <C>             <C>

MDR                                                                    0.00%          0.00%          0.00%           0.00%
3 Months Avg MDR                                                       0.00%          0.00%          0.00%           0.00%
12 Months Avg MDR
Avg MDR Since Cut-off                                                  0.00%          0.00%          0.00%           0.00%

CDR                                                                    0.00%          0.00%          0.00%           0.00%
3 Months Avg CDR                                                       0.00%          0.00%          0.00%           0.00%
12 Months Avg CDR
Avg CDR Since Cut-off

SDA                                                                    0.00%          0.00%          0.00%           0.00%
3 Months Avg  SDA Approximation                                        0.00%          0.00%          0.00%           0.00%
1 Months Avg SDA Approximation
Avg SDA Since Cut-off Approximation                                    0.00%          0.00%          0.00%           0.00%

Loss Severity Approximation for Current Period
3 Months Avg Loss Severity Approximation
12 Months Avg Loss Severity Approximation
Avg Loss Severity Approximation Since Cut-off

--------------------------------------------------------------------------------------------------------------------------
</TABLE>

<TABLE>
<CAPTION>

COLLATERAL REALIZED LOSS  CALCULATION METHODOLOGY
--------------------------------------------------------------------------------------------------------------------------

<S>       <C>

Monthly Default Rate (MDR): (Beg Principal Balance of Liquidated Loans)/(TotalBeg Principal Balance) Conditional Default
Rate (CDR): 1-((1-MDR)12)

SDA Standard Default Assumption:
CDR/IF(WAS LESS THAN 61,MIN(30,WAS)*0.02,MAX(0.03,MIN(30,WAS)*0.02-0.0095*(WAS-60)))

Average MDR over period between nth month and mth month (AvgMDRn,m): [(1-MDRn) *(1-MDRn+1) *.......*(1-MDRm)]
(1/months in period n,m)

Average CDR over period between the nth month and mth month (AvgCDRn,m):
1-((1-AvgMDRn,m)12)

Average SDA Approximation over period between the nth month and mth month:

</TABLE>
<PAGE>

<TABLE>
<CAPTION>

<S>       <C>

AvgCDRn,m/IF(Avg WASn,m LESS THAN 61,MIN(30,Avg WASn,m)*0.02,MAX(0.03,MIN(30,Avg WASn,m)*0.02-0.0095*(Avg WASn,m-60)))

Average WASn,m: (WASn + WASn+1 +.......+ WASm )/(number of months in the period
n,m)

Loss Severity Approximation for current period: sum(Realized Loss Amount)/sum(Beg Principal Balance of Liquidated Loans)

Average Loss Severity Approximation over period between nth month and mth month: Avg(Loss Severityn,m)

Note: Default rates are calculated since deal issue date and include realized gains and additional realized losses
      and gains from prior periods. Dates correspond to distribution dates.
--------------------------------------------------------------------------------------------------------------------------
</TABLE>
<PAGE>

--------------------------------------------------------------------------------
   Realized Loss Detail Report - Loans Liquidated During Current Distribution
--------------------------------------------------------------------------------

<TABLE>
<CAPTION>

SUMMARY                                                                                   LOAN GROUP
------------------------------------------------------------------                     -----------------------------------
<S>                                                                                      <C>
Total Loan Count =   0                                                                 Loan Group 1 = Pool I Group
Total Original Principal Balance =   0.00                                              Loan Group 2 = Pool II Group
Total Prior Principal Balance =   0.00                                                 Loan Group 3 = Pool III Group
Total Realized Loss Amount =   0.00                                                    Loan Group 3 = Pool III Group
Total Net Liquidation Proceeds =   0.00
--------------------------------------------------------------------                   -----------------------------------
</TABLE>

<TABLE>
<CAPTION>

---------------------------------------------------------------------------------------------------------------------------------
  Loan Number                   Original        Prior                          Current      State &
       &            Loan        Principal       Principal       Realized        Note         LTV at       Original      Origination
  Loan  Group      Status        Balance        Balance        Loss/(Gain)      Rate      Origination       Term            Date
---------------------------------------------------------------------------------------------------------------------------------
<S>                <C>          <C>             <C>             <C>             <C>         <C>             <C>           <C>

                                                    SPACE INTENTIONALLY LEFT BLANK

---------------------------------------------------------------------------------------------------------------------------------
</TABLE>
<PAGE>

--------------------------------------------------------------------------------
               Triggers, Adj. Rate Cert. and Miscellaneous Report
--------------------------------------------------------------------------------

<TABLE>
<CAPTION>
TRIGGER EVENTS                                                    POOL III        POOL II         POOL I          TOTAL
--------------------------------------------------------------------------------------------------------------------------
<S>                                                               <C>             <C>             <C>             <C>

Servicer Event of Default                                                 No             No             No              No

Insurer Default                                                           No             No             No              No
--------------------------------------------------------------------------------------------------------------------------
</TABLE>

<TABLE>
<CAPTION>
ADJUSTABLE RATE CERTIFICATE INFORMATION                           POOL III        POOL II         POOL I          TOTAL
--------------------------------------------------------------------------------------------------------------------------
<S>                                                               <C>             <C>             <C>             <C>

                                                  SPACE INTENTIONALLY LEFT BLANK

--------------------------------------------------------------------------------------------------------------------------
</TABLE>

<TABLE>
<CAPTION>
ADDITIONAL INFORMATION                                            POOL III        POOL II         POOL I          TOTAL
--------------------------------------------------------------------------------------------------------------------------
<S>                                                               <C>             <C>             <C>             <C>

Detail Delinq. Breakdown to Supplement pages 11-13                         1              3              -               4
Number of Mort. Loans Delinq. 90 -119 days                             40.00     137,638.20           0.00      137,678.20
Balance of Mort. Loans Delinq. 90 -119 days                                -              -              -               -
Number of Mort. Loans Delinq. 120 -149 days                             0.00           0.00           0.00            0.00
Balance of Mort. Loans Delinq. 120 -149 days                               -              -              -               -
Number of Mort. Loans Delinq. 150 -179 days                             0.00           0.00           0.00            0.00
Balance of Mort. Loans Delinq. 150 -179 days                               -              -              -               -
Number of Mort. Loans Delinq. 180 days or more                          0.00           0.00           0.00            0.00
Balance of Mort. Loans Delinq. 180 days or more

Management Fee Accrued and Unpaid                                     491.01         494.10         514.89        1,500.00
--------------------------------------------------------------------------------------------------------------------------

--------------------------------------------------------------------------------------------------------------------------
</TABLE>

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00022-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00022-of-00352.parquet"}]]