Document:

<PAGE>

                                                                    EXHIBIT 10.5

                            FOURTH AMENDMENT TO 1993
                           STOCK COMPENSATION PLAN OF
                          CLAYTON WILLIAMS ENERGY, INC.

ADOPTED BY THE BOARD OF DIRECTORS OF CLAYTON WILLIAMS ENERGY, INC. ON JULY 18,
2000 AND BY THE STOCKHOLDERS OF CLAYTON WILLIAMS ENERGY, INC. ON SEPTEMBER 20,
2000

1.   Section 2 of the 1993 Stock Compensation Plan of Clayton Williams Energy,
     Inc. (the "Plan") is amended to provide that an aggregate of 1,798,200
     shares of the common stock, $.10 par value, of Clayton Williams Energy,
     Inc. are authorized and reserved for issuance upon exercise of the stock
     options granted under the Plan.<PAGE>

                                EXHIBIT (10)(a)

                        CONSENT OF INDEPENDENT AUDITORS
<PAGE>

                        Consent of Independent Auditors

We consent to the reference to our firm under the caption "Independent Auditors"
in the Statements of Additional Information and to the use of our reports (1)
dated January 28, 2000 with respect to the financial statements of certain
subaccounts of PFL Endeavor VA Separate Account, which are available for
investment by contract owners of the Endeavor Variable Annuity, (2) dated
January 28, 2000 with respect to the financial statements of certain subaccounts
of PFL Endeavor VA Separate Account, which are available for investment by
contract owners of the Endeavor ML Variable Annuity and (3) dated February 18,
2000 with respect to the statutory-basis financial statements and schedules of
PFL Life Insurance Company, included in Post-Effective Amendment No. 22 to the
Registration Statement (Form N-4 No. 33-33085) and related Prospectuses of The
Endeavor Variable Annuity and The Endeavor ML Variable Annuity.

                                                     Ernst & Young LLP

Des Moines, Iowa
September 29, 2000<PAGE>

                                EXHIBIT (10)(a)

                        CONSENT OF INDEPENDENT AUDITORS
<PAGE>

                        Consent of Independent Auditors

We consent to the reference to our firm under the caption "Independent Auditors"
in the Statement of Additional Information and to the use of our reports
(1) dated February 18, 2000 with respect to the statutory-basis financial
statements and schedules of PFL Life Insurance Company, and (2) dated January
28, 2000 with respect to the subaccounts of PFL Life Variable Annuity Account C,
which are available for investment by contract owners of the Extra Variable
Annuity, included in Post-Effective Amendment No. 4 to the Registration
Statement (Form N-4 No. 333-83957) and related Prospectus of the Extra Variable
Annuity.

                                             Ernst & Young LLP

Des Moines, Iowa
September 29, 2000<PAGE>

                                EXHIBIT (10)(a)

                        CONSENT OF INDEPENDENT AUDITORS
<PAGE>

                        Consent of Independent Auditors

We consent to the reference to our firm under the caption "Independent Auditors"
and to the use of our reports (1) dated January 28, 2000 with respect to the
financial statements of the subaccounts of PFL Life Variable Annuity Account A,
which are available for investment by the contract owners of The Atlas Portfolio
Builder Variable Annuity, and (2) dated February 18, 2000 with respect to the
statutory-basis financial statements and schedules of PFL Life Insurance
Company, included in the Statement of Additional Information which is
incorporated by reference in Post-Effective Amendment No. 4 to the Registration
Statement (Form N-4 No. 333-26209) and related Prospectus of The Atlas Portfolio
Builder Variable Annuity.

                                                               Ernst & Young LLP

Des Moines, Iowa
September 29, 2000<PAGE>

                                EXHIBIT (10)(a)

                        CONSENT OF INDEPENDENT AUDITORS
<PAGE>

                        Consent of Independent Auditors

We consent to the reference to our firm under the caption "Independent Auditors"
in the Statement of Additional Information and to the use of our report dated
February 18, 2000 with respect to the statutory-basis financial statements and
schedules of PFL Life Insurance Company, included in Post-Effective Amendment
No. 1 to the Registration Statement (Form N-4 No. 333-94489) and related
Prospectus of the Access Variable Annuity.

                                             /s/ Ernst & Young LLP

Des Moines, Iowa
September 29, 2000<PAGE>

                                EXHIBIT (10)(a)

                        CONSENT OF INDEPENDENT AUDITORS
<PAGE>

                        Consent of Independent Auditors

We consent to the reference to our firm under the caption "Independent Auditors"
in the Statement of Additional Information and to the use of our reports
(1) dated January 28, 2000 with respect to the subaccounts of AUSA Endeavor
Variable Annuity Account which are available for investment by contract owners
of The Endeavor Variable Annuity, and (2) dated February 18, 2000 with respect
to the statutory-basis financial statements of AUSA Life Insurance Company,
Inc., included in Post-Effective Amendment No. 11 to the Registration Statement
(Form N-4 No. 33-83560) and related Prospectus of The Endeavor Variable Annuity.

                                                Ernst & Young LLP

Des Moines, Iowa
September 29, 2000<PAGE>

                                EXHIBIT (10)(a)

                        CONSENT OF INDEPENDENT AUDITORS
<PAGE>

                        Consent of Independent Auditors

We consent to the reference to our firm under the caption "Independent Auditors"
in the Statement of Additional Information and to the use of our reports
(1) dated January 28, 2000 with respect to the financial statements of certain
subaccounts of PFL Endeavor VA Separate Account, which are available for
investment by contract owners of The Endeavor Platinum Variable Annuity and
(2) dated February 18, 2000 with respect to the statutory-basis financial
statements and schedules of PFL Life Insurance Company, included in Post-
Effective Amendment No. 13 to the Registration Statement (Form N-4 No. 33-56908)
and related Prospectus of The Endeavor Platinum Variable Annuity.

                                              /s/ Ernst & Young LLP

Des Moines, Iowa
September 29, 2000<PAGE>

                                 Exhibit 10.1

CONTACTS
-------------------------------------------------------------------------

    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

<TABLE>
---------------------------------------------------------------------------------------------------------------------
  <S>                                                                    <C>
  Seller:               GreenPoint Mortgage                              Cut-Off Date:         May 31, 2000
  Certificate Insurer:  AMBAC Assurance Corporation                      Closing Date:         June 29, 2000
  Servicer(s):          GreenPoint Mortgage - Master Servicer            First Payment Date:   July 17, 2000

  Underwriter(s):       Greenwich Capital Markets, Inc. - Underwriter    Distribution Date:    September 15, 2000
                                                                         Record Date:          September 14, 2000
                                                                                               August 31, 2000

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

                   GreenPoint Home Equity Loan Trust 2000-1
                   Home Equity Loan Asset-Backed Securities
                                 Series 2000-1
        Certificate Payment Report for September 15, 2000 Distribution

  Distribution in Dollars - Current Period

<TABLE>
<CAPTION>
------------------------------------------------------------------------------------------------------------------------------------
                                       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  244,172,000.00  238,554,623.05  1,386,341.97  4,873,258.57   6,259,600.54      -           -      233,681,364.48
   A-2   FLT,STEP  108,598,000.00  102,115,138.94    603,986.23  3,131,556.35   3,735,542.58      -           -       98,983,582.59
    R                           -               -             -             -              -      -           -                   -

------------------------------------------------------------------------------------------------------------------------------------
  Total            352,770,000.00  340,669,761.99  1,990,328.20  8,004,814.92   9,995,143.12      -           -      332,664,947.07
------------------------------------------------------------------------------------------------------------------------------------
</TABLE>

<TABLE>
<CAPTION>
      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                     A-Act/360  3133TPCHO  244,172,000.00  976.994181  5.677727    19.958302    25.636029     957.035878
   A-2                                395385AC1
                           A-Act/360             108,598,000.00  940.304047  5.561670    28.836225    34.397895     911.467823
    R                          -                              -           -         -            -            -              -

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

          Distribution in Dollars - to Date

<TABLE>
<CAPTION>
------------------------------------------------------------------------------------------------------------------------------------
                                                                                                                         Current
            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>       <C>      <C>
   A-1   244,172,000.00  3,535,916.83   9,384,820.09  1,105,815.43  10,490,635.52  14,026,552.35      -        -     233,681,364.48
   A-2   108,598,000.00  1,566,550.98   9,204,459.76    409,957.65   9,614,417.41  11,180,968.39      -        -      98,983,582.59
    R                 -             -              -             -              -              -      -        -                  -

------------------------------------------------------------------------------------------------------------------------------------
  Total  352,770,000.00  5,102,467.81  18,589,279.85  1,515,773.08  20,105,052.93  25,207,520.74      -        -      32,664,947.07
------------------------------------------------------------------------------------------------------------------------------------
</TABLE>
<PAGE>

          Interest Detail

<TABLE>
<CAPTION>
------------------------------------------------------------------------------------------------------------------------------------
          Pass-     Prior Principal                    Non-         Prior     Unscheduled                Paid or        Current
         Through    (with Notional)    Accrued      Supported      Unpaid       Interest     Optimal     Deferred        Unpaid
  Class    Rate         Balance       Interest     Interest SF    Interest    Adjustments    Interest    Interest       Interest
------------------------------------------------------------------------------------------------------------------------------------
                                         (1)           (2)          (3)           (4)       (5)=(1)-        (6)         (7)=(5)-(6)
                                                                                            (2)+(3)+(4)
------------------------------------------------------------------------------------------------------------------------------------
<S>       <C>       <C>              <C>           <C>            <C>         <C>          <C>                          <C>
   A-1    6.74875%   238,554,623.05  1,386,341.97       -            -             -       1,386,341.97   1,386,341.97       -
   A-2    6.86875%   102,115,138.94    603,986.23       -            -             -         603,986.23     603,986.23       -
    R                             -             -       -            -             -                  -              -       -

------------------------------------------------------------------------------------------------------------------------------------
  Total              340,669,761.99  1,990,328.20       -            -             -       1,990,328.20   1,990,328.20       -
------------------------------------------------------------------------------------------------------------------------------------
</TABLE>
<PAGE>

-------------------------------------------------------------------------------
                           Collection Account Report
-------------------------------------------------------------------------------

<TABLE>
<CAPTION>
SUMMARY                                               POOL II             POOL I            TOTAL
-------------------------------------------------------------------------------------------------
<S>                                              <C>                <C>              <C>
  Net Principal Collections                      2,767,484.53       4,067,634.82     6,835,119.35

  TOTAL PRINCIPAL                                2,767,484.53       4,067,634.82     6,835,119.35

  Interest Collections                             983,756.20       2,238,579.06     3,222,335.26
  Interest Fees                                    (15,698.15)        (46,613.34)      (62,311.49)

  TOTAL INTEREST                                   968,058.05       2,191,965.72     3,160,023.77

  TOTAL AVAILABLE FUNDS                          3,735,542.58       6,259,600.54     9,995,143.12

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

PRINCIPAL - COLLECTIONS                               POOL II             POOL I            TOTAL
--------------------------------------------------------------------------------------------------

  Principal Collections                          5,986,479.43       8,584,644.50    14,571,123.93
  Repurchases/Substitutions                              0.00               0.00             0.00
  Liquidations                                           0.00               0.00             0.00
  Insurance Principal                                    0.00               0.00             0.00
  Liquidation Loss Amounts                               0.00               0.00             0.00
  Additional Balances                           (3,218,994.90)     (4,517,009.68)    7,736,004.58)

  TOTAL PRINCIPAL COLLECTED                      2,767,484.53       4,067,634.82     6,835,119.35

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

PRINCIPAL - WITHDRAWALS                               POOL II             POOL I            TOTAL
--------------------------------------------------------------------------------------------------
                       SPACE INTENTIONALLY LEFT BLANK

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

PRINCIPAL - OTHER ACCOUNTS                            POOL II             POOL I            TOTAL
--------------------------------------------------------------------------------------------------
                       SPACE INTENTIONALLY LEFT BLANK

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

INTEREST - COLLECTIONS                                POOL II             POOL I            TOTAL
--------------------------------------------------------------------------------------------------

  Interest Collections                           1,026,196.22       2,337,754.73     3,363,950.95
  Repurchases/Substitutions                              0.00               0.00             0.00
  Liquidations                                           0.00               0.00             0.00
  Insurance Interest                                     0.00               0.00             0.00
  Other Additional Interest                              0.00               0.00             0.00
  Current Servicing Fee                            (42,440.02)        (99,175.67)     (141,615.69)

  TOTAL INTEREST                                   983,756.20       2,238,579.06     3,222,335.26

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

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

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

INTEREST - OTHER ACCOUNTS                             POOL II             POOL I            TOTAL
--------------------------------------------------------------------------------------------------
                       SPACE INTENTIONALLY LEFT BLANK

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

INTEREST - FEES                                       POOL II             POOL I            TOTAL
--------------------------------------------------------------------------------------------------
<S>                                                 <C>                <C>              <C>
  Trustee Fee                                          806.36           1,884.34         2,690.70
  Certificate Insurer Premium                       14,891.79          34,789.22        49,681.01
  Guarantee Fee                                          0.00           9,939.78         9,939.78
  Management Fee                                         0.00               0.00             0.00

  TOTAL INTEREST FEES                               15,698.15          46,613.34        62,311.49

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

-------------------------------------------------------------------------------
                           Credit Enhancement Report

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

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

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

INSURANCE                                             POOL II             POOL I            TOTAL
--------------------------------------------------------------------------------------------------

  Insured Amount                                         0.00               0.00             0.00
  Reimbursements to the Insurer                          0.00               0.00             0.00
  Cumulative Insurance Payment                           0.00               0.00             0.00

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

  Interest portion of Guarantee Payment                  0.00               0.00             0.00
  Principal portion of Guarantee Payment                 0.00               0.00             0.00
  Guarantee Payment for this date                        0.00               0.00             0.00
  Cumulative Guaranty Payments                           0.00               0.00             0.00

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

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

  Current Delinquency Percentage                      0.0000%            0.0000%          0.0000%
  Rolling Delinquency Percentage                      0.0000%            0.0000%          0.0000%

  Prior Overcollateralization Amount                     0.00               0.00             0.00
  Specified Overcollateralization Amount         2,425,281.26       5,452,977.96     7,878,259.22
  Overcollateralization Amount                     104,970.74         272,604.29       377,575.03
  Overcollateralization Deficiency Amount        2,320,310.52       5,180,373.67     7,500,684.19

  Overcollateralization Deficit                          0.00               0.00             0.00
  Overcollateralization Reduction Amount                 0.00               0.00             0.00
  Step-Up Overcollateralization Amount           5,389,513.91      12,117,728.81    17,507,242.71

  Current Accelerated Principal Payment            364,071.82         805,623.75     1,169,695.57
  Cumulative Accelerated Principal Payment         912,692.62       2,090,028.14     3,002,720.76

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

<TABLE>
<CAPTION>
------------------------------------------------------------------------------------------------------------------------------------
                                                         Collateral Report
------------------------------------------------------------------------------------------------------------------------------------

COLLATERAL                                                                          POOL II          POOL I           TOTAL
------------------------------------------------------------------------------------------------------------------------------------
<S>                                                                                <C>              <C>              <C>
      Loan Count:
    Original                                                                          1258            5996             7254
    Prior                                                                            1,189           5,800            6,989
    Prefunding                                                                           -               -                -
    Scheduled Paid Offs                                                                  -               -                -
    Full Voluntary Prepayments                                                         (42)           (111)            (153)
    Repurchases                                                                          -               -                -
    Liquidations                                                                         -               -                -
------------------------------------------------------------------------------------------------------------------------------------
    Current                                                                          1,147           5,689            6,836

    Principal Balance:
    Original                                                                107,790,278.12  242,354,576.15   350,144,854.27
    Prior                                                                   101,856,037.86  238,021,603.59   339,877,641.45
    Prefunding                                                                3,218,994.90    4,517,009.68     7,736,004.58
    Scheduled Principal                                                         (75,314.47)    (239,784.24)     (315,098.71)
    Partial and Full Voluntary Prepayments                                   (5,911,164.96)  (8,344,860.26)  (14,256,025.22)
    Repurchases                                                                          -               -                -
    --------------------------------------------------------------------------------------------------------------------------------
    Liquidations                                                                         -               -                -
    Current                                                                  99,088,553.33  233,953,968.77   333,042,522.10
------------------------------------------------------------------------------------------------------------------------------------

PREFUNDING                                                                          POOL II          POOL I           TOTAL
------------------------------------------------------------------------------------------------------------------------------------
                                                  SPACE INTENTIONALLY LEFT BLANK

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

CHARACTERISTICS                                                                     POOL II          POOL I           TOTAL
------------------------------------------------------------------------------------------------------------------------------------

    Weighted Average Coupon Original                                              9.377874%       9.394264%        9.389218%
    Weighted Average Coupon Prior                                                 9.981996%      10.224505%       10.150767%
    Weighted Average Coupon Current                                              11.733814%      11.884783%       11.839540%
    --------------------------------------------------------------------------------------------------------------------------------
    Weighted Average Months to Maturity Original                                       200             204              203
    Weighted Average Months to Maturity Prior                                          200             203              202
    Weighted Average Months to Maturity Current                                        199             202              201
    --------------------------------------------------------------------------------------------------------------------------------
    Weighted Avg Remaining Amortization Term Original                                  208             205              206
    Weighted Avg Remaining Amortization Term Prior                                     207             204              205
    Weighted Avg Remaining Amortization Term Current                                   206             203              204
    --------------------------------------------------------------------------------------------------------------------------------
    Weighted Average Seasoning Original                                               2.71            2.76             2.74
    Weighted Average Seasoning Prior                                                  3.71            3.74             3.73
    Weighted Average Seasoning Current                                                4.73            4.74             4.74

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

Note:  Original information refers to deal issue.
<PAGE>

<TABLE>
<CAPTION>

ARM CHARACTERISTICS                                                                 POOL II         POOL I            TOTAL
------------------------------------------------------------------------------------------------------------------------------------
<S>                                                                                <C>              <C>              <C>
    Weighted Average Margin Original                                                 2.380%          2.530%
    Weighted Average Margin Prior                                                    2.401%          2.514%
    Weighted Average Margin Current                                                  2.387%          2.499%
    --------------------------------------------------------------------------------------------------------------------------------
    Weighted Average Max Rate Original                                              17.181%         17.075%
    Weighted Average Max Rate Prior                                                 17.174%         17.083%
    Weighted Average Max Rate Current                                               17.160%         17.082%
    --------------------------------------------------------------------------------------------------------------------------------
    Weighted Average Min Rate Original                                               3.686%          3.918%
    Weighted Average Min Rate Prior                                                  3.722%          3.889%
    Weighted Average Min Rate Current                                                3.736%          3.875%
    --------------------------------------------------------------------------------------------------------------------------------
    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

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

Note:  Original information refers to deal issue.

<TABLE>
<CAPTION>

SERVICING FEES / ADVANCES                                                           POOL II         POOL I            TOTAL
------------------------------------------------------------------------------------------------------------------------------------
<S>                                                                              <C>             <C>             <C>
    TOTAL SERVICING FEE                                                          42,440.02       99,175.67       141,615.69

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

<TABLE>
<CAPTION>
ADDITIONAL COLLATERAL INFORMATION                                                   POOL II         POOL I            TOTAL
------------------------------------------------------------------------------------------------------------------------------------
<S>                                                                                <C>              <C>               <C>
                                                  SPACE INTENTIONALLY LEFT BLANK

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

<TABLE>
<CAPTION>
----------------------------------------------------------------------------------------------------------------------------------
                                                    Delinquency Report - Total
----------------------------------------------------------------------------------------------------------------------------------

                                                  CURRENT       1 PAYMENT        2 PAYMTS        3+ PAYMTS            TOTAL
----------------------------------------------------------------------------------------------------------------------------------
<S>                                              <C>        <C>                  <C>             <C>            <C>
DELINQUENT           Balance                                 2,074,056.53        655,278.81      168,305.16     2,897,640.50
                     % Balance                                       0.62%             0.20%           0.05%            0.87%
                     # Loans                                           51                15               5               71
                     % # Loans                                       0.75%             0.22%           0.07%            1.04%
----------------------------------------------------------------------------------------------------------------------------------
FORECLOSURE          Balance                         -                  -         26,000.00      508,468.48       534,468.48
                     % Balance                    0.00%              0.00%             0.01%           0.15%            0.16%
                     # Loans                         -                  -                 1               7                8
                     % # Loans                    0.00%              0.00%             0.01%           0.10%            0.12%
----------------------------------------------------------------------------------------------------------------------------------
BANKRUPTCY           Balance                239,527.84          46,746.60         11,267.08       97,485.08       395,026.60
                     % Balance                    0.07%              0.01%             0.00%           0.03%            0.12%
                     # Loans                         7                  1                 1               1               10
                     % # Loans                    0.10%              0.01%             0.01%           0.01%            0.15%
----------------------------------------------------------------------------------------------------------------------------------
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                239,527.84       2,120,803.13        692,545.89      774,258.72     3,827,135.58
                     % Balance                    0.07%              0.64%             0.21%           0.23%            1.15%
                     # Loans                         7                 52                17              13               89
                     % # Loans                    0.10%              0.76%             0.25%           0.19%            1.30%
----------------------------------------------------------------------------------------------------------------------------------
Note:  Current = 0-30 days, 1 Payment = 31-60days, 2 Payments = 61-90days, 3+ Payments = 91+
</TABLE>

<TABLE>
<CAPTION>
----------------------------------------------------------------------------------------------------------------------------------
                                                 Delinquency Report - Pool I Group
----------------------------------------------------------------------------------------------------------------------------------

                                                  CURRENT       1 PAYMENT        2 PAYMTS       3+ PAYMTS             TOTAL
----------------------------------------------------------------------------------------------------------------------------------
<S>                                               <C>        <C>                <C>              <C>            <C>
DELINQUENT           Balance                                 1,592,364.05        655,278.81      158,377.78     2,406,020.64
                     % Balance                                       0.68%             0.28%           0.07%            1.03%
                     # Loans                                           44                15               4               63
                     % # Loans                                       0.77%             0.26%           0.07%            1.11%
----------------------------------------------------------------------------------------------------------------------------------
FORECLOSURE          Balance                          -                 -                 -      186,867.78       186,867.78
                     % Balance                     0.00%             0.00%             0.00%           0.08%            0.08%
                     # Loans                          -                 -                 -               4                4
                     % # Loans                     0.00%             0.00%             0.00%           0.07%            0.07%
----------------------------------------------------------------------------------------------------------------------------------
BANKRUPTCY           Balance                 229,672.22         46,746.60         11,267.08       97,485.08       385,170.98
                     % Balance                     0.10%             0.02%             0.00%           0.04%            0.16%
                     # Loans                          6                 1                 1               1                9
                     % # Loans                     0.11%             0.02%             0.02%           0.02%            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                 229,672.22      1,639,110.65        666,545.89      442,730.64     2,978,059.40
                     % Balance                     0.10%             0.70%             0.28%           0.19%            1.27%
                     # Loans                          6                45                16               9               76
                     % # Loans                     0.11%             0.79%             0.28%           0.16%            1.34%
----------------------------------------------------------------------------------------------------------------------------------
Note: Current = 0-30days, 1 Payment = 31-60days, 2 Payments = 61-90days, 3+ Payments = 91+
</TABLE>
<PAGE>

<TABLE>
<CAPTION>

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

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

                                                            CURRENT       1 PAYMENT       2  PAYMTS      3+  PAYMTS            TOTAL
------------------------------------------------------------------------------------------------------------------------------------
<S>                  <C>                                  <C>           <C>              <C>          <C>                <C>
DELINQUENT           Balance                                            481,692.48               -        9,927.38       491,619.86
                     % Balance                                                0.49%           0.00%           0.01%            0.50%
                     # Loans                                                     7               -               1                8
                     % # Loans                                                0.61%           0.00%           0.09%            0.70%
------------------------------------------------------------------------------------------------------------------------------------
FORECLOSURE          Balance                                     -               -       26,000.00      321,600.70       347,600.70
                     % Balance                                0.00%           0.00%           0.03%           0.32%            0.35%
                     # Loans                                     -               -               1               3                4
                     % # Loans                                0.00%           0.00%           0.09%           0.26%            0.35%
------------------------------------------------------------------------------------------------------------------------------------
BANKRUPTCY           Balance                              9,855.62               -               -               -         9,855.62
                     % Balance                                0.01%           0.00%           0.00%           0.00%            0.01%
                     # Loans                                     1               -               -               -                1
                     % # Loans                                0.09%           0.00%           0.00%           0.00%            0.09%
------------------------------------------------------------------------------------------------------------------------------------
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                              9,855.62      481,692.48       26,000.00      331,528.08       849,076.18
                     % Balance                                0.01%           0.49%           0.03%           0.33%            0.86%
                     # Loans                                     1               7               1               4               13
                     % # Loans                                0.09%           0.61%           0.09%           0.35%            1.13%
------------------------------------------------------------------------------------------------------------------------------------
</TABLE>

Note:  Current = 0-30days, 1 Payment =31-60days, 2 Payments = 61-90days,
3+ Payments = 91+
<PAGE>

<TABLE>
<CAPTION>
------------------------------------------------------------------------------------------------------------------------------------
                                   REO Report - Mortgage Loans that Become REO During Current Distribution
------------------------------------------------------------------------------------------------------------------------------------

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
REO Book Value =  000.00
------------------------------------------------------------------------------------------------------------------------------------
REO Book Value reported corresponds to total REO loans, including loans that become REO during current distribution.

------------------------------------------------------------------------------------------------------------------------------------
   Loan Number         Original         Stated                          Current         State &
        &             Principal       Principal         Paid to           Note           LTV at         Original       Origination
    Loan Group         Balance         Balance           Date             Rate         Origination        Term             Date
------------------------------------------------------------------------------------------------------------------------------------
                                                  SPACE INTENTIONALLY LEFT BLANK

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

<TABLE>
<CAPTION>
--------------------------------------------------------------------------------------------------------------------------------
                                             Prepayment Report - Voluntary Prepayments

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

VOLUNTARY PREPAYMENTS                                                                   POOL II          POOL I            TOTAL
--------------------------------------------------------------------------------------------------------------------------------
<S>                                                                             <C>               <C>             <C>
    Current
    Number of Paid in Full Loans                                                             42             111              153
    Number of Repurchased Loans                                                               -               -                -
    ----------------------------------------------------------------------------------------------------------------------------
    Total Number of Loans Prepaid in Full                                                    42             111              153

    Paid in Full Balance                                                           3,985,439.01    5,407,702.35     9,393,141.36
    Repurchased Loans Balance                                                                 -               -                -
    Curtailments Amount                                                            1,925,725.95    2,937,157.91     4,862,883.86
    ----------------------------------------------------------------------------------------------------------------------------
    Total Prepayment Amount                                                        5,911,164.96    8,344,860.26    14,256,025.22

    Cumulative
    Number of Paid in Full Loans                                                            112             307              419
    Number of Repurchased Loans                                                               -               -                -
    ----------------------------------------------------------------------------------------------------------------------------
    Total Number of Loans Prepaid in Full                                                   112             307              419

    Paid in Full Balance                                                          11,291,342.22   15,109,175.62    26,400,517.84
    Repurchased Loans Balance                                                                 -               -                -
    Curtailments Amount                                                            7,625,657.72    9,707,460.84    17,333,118.56
    ----------------------------------------------------------------------------------------------------------------------------
    Total Prepayment Amount                                                       18,916,999.94   24,816,636.46    43,733,636.40

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

VOLUNTARY PREPAYMENT RATES                                                              POOL II          POOL I            TOTAL
--------------------------------------------------------------------------------------------------------------------------------

    SMM                                                                                    5.81%           3.51%            4.20%
    3 Months Avg SMM                                                                       6.01%           3.44%            4.22%
    12 Months Avg SMM
    Avg SMM Since Cut-off                                                                  6.01%           3.44%            4.22%

    CPR                                                                                   51.23%          34.86%           40.23%
    3 Months Avg CPR                                                                      52.47%          34.33%           40.42%
    12 Months Avg CPR
    Avg CPR Since Cut-off                                                                 52.47%          34.33%           40.42%

    PSA                                                                                 5411.94%        3679.18%         4246.90%
    3 Months Avg  PSA Approximation                                                     7051.71%        4583.24%         5407.41%
    12 Months Avg PSA Approximation
    Avg PSA Since Cut-off Approximation                                                 7051.71%        4583.24%         5407.41%

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

PREPAYMENT CALCULATION METHODOLOGY
------------------------------------------------------------------------------------------------------------------------------------
    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)
    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>

<TABLE>
<CAPTION>
------------------------------------------------------------------------------------------------------------------------------------
                                                 Realized Loss Report - Collateral

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

COLLATERAL REALIZED LOSSES                                                                   POOL II          POOL I           TOTAL
------------------------------------------------------------------------------------------------------------------------------------
<S>                                                                                        <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%

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

DEFAULT SPEEDS                                                                               POOL II          POOL I           TOTAL
------------------------------------------------------------------------------------------------------------------------------------

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

    CDR                                                                                         0.00%           0.00%          0.00%
    3 Months Avg CDR                                                                            0.00%           0.00%          0.00%
    12 Months Avg CDR

    Avg CDR Since Cut-off                                                                       0.00%           0.00%          0.00%

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

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

COLLATERAL REALIZED LOSS CALCULATION METHODOLOGY
------------------------------------------------------------------------------------------------------------------------------------
    Monthly Default Rate (MDR):   (Beg Principal Balance of Liquidated Loans)/(Total Beg Principal Balance)
    Conditional Default Rate (CDR): 1-((1-MDR) 12)
    SDA Standard Default Assumption: CDR/IF(WAS**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:
         AvgCDRn, m/IF(Avg WASn, m**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>

**  = more than
<PAGE>

<TABLE>
<CAPTION>
------------------------------------------------------------------------------------------------------------------------------------
                            Realized Loss Detail Report - Loans Liquidated During Current Distribution
------------------------------------------------------------------------------------------------------------------------------------

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
Total Realized Loss Amount =   0.00
Total Net Liquidation Proceeds =   0.00
---------------------------------------------------------                -----------------------------------------------------------

<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>

<TABLE>
<CAPTION>
------------------------------------------------------------------------------------------------------------------------------------
                                        Triggers, Adj. Rate Cert. and Miscellaneous Report
------------------------------------------------------------------------------------------------------------------------------------

TRIGGER EVENTS                                                                             POOL II          POOL I           TOTAL
------------------------------------------------------------------------------------------------------------------------------------
<S>                                                                                        <C>              <C>              <C>
    Servicer Event of Default                                                                     No              No            No

    Insurer Default                                                                               No              No            No

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

<CAPTION>
ADJUSTABLE RATE CERTIFICATE INFORMATION                                                      POOL II          POOL I          TOTAL
------------------------------------------------------------------------------------------------------------------------------------
<S>                                                                                        <C>              <C>              <C>
                                                  SPACE INTENTIONALLY LEFT BLANK

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

<CAPTION>
ADDITIONAL INFORMATION                                                                       POOL II          POOL I          TOTAL
------------------------------------------------------------------------------------------------------------------------------------
<S>                                                                                        <C>              <C>              <C>
    Detail Delinq. Breakdown to Supplement pages 11-13
    Number of Mort. Loans Delinq. 90 -119 days                                                     1               3              4
    Balance of Mort. Loans Delinq. 90 -119 days                                             9,927.38       88,577.78      98,505.16
    Number of Mort. Loans Delinq. 120 -149 days                                                    -               1              1
    Balance of Mort. Loans Delinq. 120 -149 days                                                0.00       69,800.00      69,800.00
    Number of Mort. Loans Delinq. 150 -179 days                                                    -               -              -
    Balance of Mort. Loans Delinq. 150 -179 days                                                0.00            0.00           0.00
    Number of Mort. Loans Delinq. 180 days or more                                                 -               -              -
    Balance of Mort. Loans Delinq. 180 days or more                                             0.00            0.00           0.00

    Management Fee Accrued and Unpaid                                                         461.76        1,038.24       1,500.00

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

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