Document:

Exhibit 10.2

                        MICROCHIP TECHNOLOGY INCORPORATED
                   INTERNATIONAL EMPLOYEE STOCK PURCHASE PLAN
                                   CHANGE FORM

PLEASE PRINT AND COMPLETE ALL INFORMATION BELOW:

Full name: ____________________________________________  Badge #: ______________
              Last           First             M

Home Address: __________________________________________________________________

________________________________________________________________________________

________________________________________________________________________________

Social Security Number: _______________________________  Date of Hire: _________

================================================================================

SECTION I - ELECTION

CHANGE PAYROLL DEDUCTION PERCENTAGE:

[ ] I hereby AUTHORIZE Microchip Technology Incorporated to change my current
deduction percentage to the following:

CIRCLE ONE:   1%     2%     3%     4%     5%     6%     7%     8%     9%     10%

================================================================================

SECTION II - BENEFICIARY

<TABLE>
<S>                                                                       <C>
Beneficiary(ies) - List additional beneficiaries on back                  Relationship of Beneficiary(ies)

________________________________________________________                  ________________________________

________________________________________________________                  ________________________________

________________________________________________________                  ________________________________

________________________________________________________                  ________________________________
</TABLE>

================================================================================

SECTION III - WITHDRAW FROM THE EMPLOYEE STOCK PURCHASE PLAN (CHECK ONE)

[ ] Stop my contributions and purchase the Microchip Technology Incorporated
shares on the next purchase date.

[ ] Stop my contributions and refund my payroll Employee Stock Purchase Plan
deductions collected.

______________________________________________________   _______________________
Signature of Employee                                    Date<PAGE>
                                  EXHIBIT 10.1

CONTACTS

     Administrator:                 Kumar X. Khambhaita
     Direct Phone No:               (714) 247-6327
     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>                                     <C>                    <C>
     Seller:                 Redwood Trust                           Cut-Off Date:          April 1, 2002
     Certificate Insurer:                                            Closing Date:          April 26, 2002
     Servicer(s):            Cendant Mortgage Corporation            First Payment Date:    May 20, 2002
                             Morgan Stanley Dean Witter

     Underwriter(s):         Greenwich Capital Markets, Inc.         Distribution Date:     February 19, 2003
                             Bear, Stearns & Co. Inc.                Record Date:           February 18, 2003
                                                                                            January 31, 2003
</TABLE>
<PAGE>
                            SEQUOIA MORTGAGE TRUST 6

                          COLLATERALIZED MORTGAGE BONDS
             BOND PAYMENT REPORT FOR FEBRUARY 19, 2002 DISTRIBUTION

Distribution in Dollars - Current Period
<TABLE>
<CAPTION>
                                                Prior
          Class         Original              Principal                                                           Total
Class     Type         Face Value              Balance              Interest              Principal            Distribution
------------------------------------------------------------------------------------------------------------------------------
                                                (1)                  (2)                    (3)                (4)=(2)+(3)
------------------------------------------------------------------------------------------------------------------------------
<S>      <C>           <C>                    <C>                   <C>                   <C>                  <C>
LT-A                    496,378,000.00        457,817,032.26          1,154,968.31          5,709,741.66          6,864,709.97
LT-A2                           100.00                    --                    --                    --                    --
LT-X                            100.00                    --                    --                    --                    --
LT-B-1                    5,915,000.00          5,915,000.00             14,922.20                    --             14,922.20
LT-B-2                    5,143,000.00          5,143,000.00             12,974.62                     v             12,974.62
------------------------------------------------------------------------------------------------------------------------------
LT-B-3                    2,315,000.00          2,315,000.00              5,840.22                    --              5,840.22
LT-B-4                    1,534,000.00          1,534,000.00              3,869.93                    --              3,869.93
LT-B-5                    1,028,000.00          1,028,000.00              2,593.41                    --              2,593.41
LT-B-6                    2,068,996.83          2,068,996.83              5,219.61                    --              5,219.61
LT-R                                --                    --                    --                    --                    --
------------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------------------
Total                   514,382,196.83        475,821,029.09          1,200,388.30          5,709,741.66          6,910,129.96
==============================================================================================================================
</TABLE>

<TABLE>
<CAPTION>
                                                          Current
             Realized               Deferred             Principal
Class         Losses                Interest              Balance
-----------------------------------------------------------------------
               (5)                   (6)            (7)=(1)-(3)-(5)+(6)
-----------------------------------------------------------------------
<S>          <C>                    <C>             <C>
LT-A                     --                    --        452,107,290.60
LT-A2                    --                    --                    --
LT-X                     --                    --                    --
LT-B-1                   --                    --          5,915,000.00
LT-B-2                   --                    --          5,143,000.00
-----------------------------------------------------------------------
LT-B-3                   --                    --          2,315,000.00
LT-B-4                   --                    --          1,534,000.00
LT-B-5                   --                    --          1,028,000.00
LT-B-6                   --                    --          2,068,996.83
LT-R                     --                    --                    --
-----------------------------------------------------------------------

-----------------------------------------------------------------------
Total                    --                    --        470,111,287.43
=======================================================================
</TABLE>

<TABLE>
<S>                                         <C>
Interest Accrual Detail                     Current Period Factor Information per $1,000 of Original Face
</TABLE>

<TABLE>
<CAPTION>
                                                    Orig. Principal       Prior
          Period     Period                         (with Notional)     Principal
Class    Starting    Ending     Method     Cusip        Balance          Balance     Interest   Principal
---------------------------------------------------------------------------------------------------------
                                                                           (1)         (2)         (3)
---------------------------------------------------------------------------------------------------------
<S>      <C>         <C>       <C>         <C>      <C>               <C>            <C>        <C>
LT-A                           A-30/360              496,378,000.00   922.315317     2.326792   11.502810
LT-A2                          A-30/360                      100.00           --           --          --
LT-X                           A-30/360                      100.00           --           --          --
LT-B-1                         A-30/360                5,915,000.00   1,000.000000   2.522773          --
LT-B-2                         A-30/360                5,143,000.00   1,000.000000   2.522773          --
---------------------------------------------------------------------------------------------------------
LT-B-3                         A-30/360                2,315,000.00   1,000.000000   2.522773          --
LT-B-4                         A-30/360                1,534,000.00   1,000.000000   2.522771          --
LT-B-5                         A-30/360                1,028,000.00   1,000.000000   2.522772          --
LT-B-6                         A-30/360                2,068,996.83   1,000.000000   2.522773          --
LT-R                           A-30/360                          --             --         --          --
---------------------------------------------------------------------------------------------------------
</TABLE>

<TABLE>
<CAPTION>
                               Current
            Total             Principal
Class    Distribution          Balance
----------------------------------------
         (4)=(2)+(3)           (5)
----------------------------------------
<S>      <C>                <C>
LT-A        13.829602         910.812507
LT-A2              --                 --
LT-X               --                 --
LT-B-1       2.522773       1,000.000000
LT-B-2       2.522773       1,000.000000
----------------------------------------
LT-B-3       2.522773       1,000.000000
LT-B-4       2.522771       1,000.000000
LT-B-5       2.522772       1,000.000000
LT-B-6       2.522773       1,000.000000
LT-R               --                 --
----------------------------------------
</TABLE>

Distribution in Dollars - to Date
<TABLE>
<CAPTION>
            Original                         Unscheduled     Scheduled        Total            Total
Class      Face Value         Interest        Principal      Principal      Principal      Distribution
--------------------------------------------------------------------------------------------------------
                (1)              (2)              (3)           (4)        (5)=(3)+(4)      (6)=(2)+(5)

--------------------------------------------------------------------------------------------------------
<S>      <C>               <C>              <C>              <C>          <C>              <C>
LT-A     496,378,000.00    12,890,674.57    44,270,709.40           --    44,270,709.40    57,161,383.97
LT-A2            100.00             0.27           100.00           --           100.00           100.27
LT-X             100.00               --           100.00           --           100.00           100.00
LT-B-1     5,915,000.00       159,870.59               --           --               --       159,870.59
LT-B-2     5,143,000.00       139,004.99               --           --               --       139,004.99
LT-B-3     2,315,000.00        62,569.82               --           --               --        62,569.82
LT-B-4     1,534,000.00        41,460.93               --           --               --        41,460.93
LT-B-5     1,028,000.00        27,784.79               --           --               --        27,784.79
LT-B-6     2,068,996.83        55,920.85               --           --               --        55,920.85
LT-R                 --               --               --           --               --               --

--------------------------------------------------------------------------------------------------------
Total    514,382,196.83    13,377,286.81    44,270,909.40           --    44,270,909.40    57,648,196.21
========================================================================================================
</TABLE>

<TABLE>
<CAPTION>
                                     Current
         Realized    Deferred       Principal
Class     Losses     Interest        Balance
-----------------------------------------------
            (7)        (8)       (9)=(1)-(5)-
                                    (7)+(8)
-----------------------------------------------
<S>      <C>         <C>         <C>
LT-A           --          --    452,107,290.60
LT-A2          --          --                --
LT-X           --          --                --
LT-B-1         --          --     5,915,000.00
LT-B-2         --          --     5,143,000.00
LT-B-3         --          --     2,315,000.00
LT-B-4         --          --     1,534,000.00
LT-B-5         --          --     1,028,000.00
LT-B-6         --          --     2,068,996.83
LT-R           --          --                --

-----------------------------------------------
Total          --          --    470,111,287.43
===============================================
</TABLE>
<PAGE>
Interest Detail

<TABLE>
<CAPTION>
              Pass-        Prior Principal                         Non-          Prior
             Through       (with Notional)       Accrued        Supported        Unpaid
Class         Rate            Balance            Interest       Interest SF     Interest
----------------------------------------------------------------------------------------
                                                   (1)              (2)            (3)

----------------------------------------------------------------------------------------
<S>         <C>           <C>                  <C>              <C>             <C>
LT-A          3.02733%      457,817,032.26     1,154,968.31              --           --
LT-A2         3.02733%                  --               --              --           --
LT-X                                    --               --              --           --
LT-B-1        3.02733%        5,915,000.00        14,922.20              --           --
LT-B-2        3.02733%        5,143,000.00        12,974.62              --           --
----------------------------------------------------------------------------------------
LT-B-3        3.02733%        2,315,000.00         5,840.22              --           --
LT-B-4        3.02733%        1,534,000.00         3,869.93              --           --
LT-B-5        3.02733%        1,028,000.00         2,593.41              --           --
LT-B-6        3.02733%        2,068,996.83         5,219.61              --           --
LT-R                                    --               --              --           --
----------------------------------------------------------------------------------------

----------------------------------------------------------------------------------------
Total                       475,821,029.09     1,200,388.30              --           --
========================================================================================
</TABLE>

<TABLE>
<CAPTION>
            Unscheduled                           Paid or          Current
              Interest         Optimal            Deferred         Unpaid
Class       Adjustments        Interest           Interest         Interest
----------------------------------------------------------------------------
                (4)            (5)=(1)-
                             (2)+(3)+(4)          (6)            (7)=(5)-(6)
----------------------------------------------------------------------------
<S>         <C>             <C>                 <C>              <C>
LT-A                 --        1,154,968.31     1,154,968.31              --
LT-A2                --                  --               --              --
LT-X                 --                  --               --              --
LT-B-1               --           14,922.20        14,922.20              --
LT-B-2               --           12,974.62        12,974.62              --
----------------------------------------------------------------------------
LT-B-3               --            5,840.22         5,840.22              --
LT-B-4               --            3,869.93         3,869.93              --
LT-B-5               --            2,593.41         2,593.41              --
LT-B-6               --            5,219.61         5,219.61              --
LT-R                 --                  --               --              --
----------------------------------------------------------------------------

----------------------------------------------------------------------------
Total                --        1,200,388.30     1,200,388.30              --
============================================================================
</TABLE>

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     FLT     496,378,000.00   457,817,032.26     641,420.74   5,709,741.66   6,351,162.40         --         --   452,107,290.60
  X     CSTR            100.00               --     524,323.16             --     524,323.16         --         --               --
 A-R     R              100.00               --             --             --             --         --         --               --
 B-1    SUB       5,915,000.00     5,915,000.00      10,160.24             --      10,160.24         --         --     5,915,000.00
 B-2    SUB       5,143,000.00     5,143,000.00       8,834.17             --       8,834.17         --         --     5,143,000.00
------------------------------------------------------------------------------------------------------------------------------------
 B-3    SUB       2,315,000.00     2,315,000.00       3,976.49             --       3,976.49         --         --     2,315,000.00
 B-4    SUB       1,534,000.00     1,534,000.00       3,869.93             --       3,869.93         --         --     1,534,000.00
 B-5    SUB       1,028,000.00     1,028,000.00       2,593.41             --       2,593.41         --         --     1,028,000.00
 B-6    SUB       2,068,996.00     2,068,996.00       5,219.61             --       5,219.61         --         --     2,068,996.00
------------------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------------------------
 Total          514,382,196.00   475,821,028.26   1,200,397.75   5,709,741.66   6,910,139.41         --         --   470,111,286.60
====================================================================================================================================
</TABLE>

Definitive Bond Record Date: 1/31/03

<TABLE>
<S>                                         <C>
Interest Accrual Detail                     Current Period Factor Information per $1,000 of Original Face
</TABLE>

<TABLE>
<CAPTION>
                                                     Orig. Principal       Prior
         Period     Period                           (with Notional)     Principal
Class   Starting    Ending     Method      Cusip        Balance          Balance
-----------------------------------------------------------------------------------
                                                                           (1)
-----------------------------------------------------------------------------------
<S>     <C>        <C>        <C>        <C>         <C>               <C>
 A      01/21/03   02/18/03   A-30/360   81743XAA7    496,378,000.00     922.315317
 X                            A-30/360   SQ0201UPX            100.00             --
A-R                           A-30/360   81743XAC3            100.00             --
B-1     01/21/03   02/18/03   A-30/360   81743XAB5      5,915,000.00   1,000.000000
B-2     01/21/03   02/18/03   A-30/360   81743XAD1      5,143,000.00   1,000.000000
-----------------------------------------------------------------------------------
B-3     01/21/03   02/18/03   A-30/360   81743XAE9      2,315,000.00   1,000.000000
B-4                           A-30/360   SQ0201UB4      1,534,000.00   1,000.000000
B-5                           A-30/360   SQ0201UB5      1,028,000.00   1,000.000000
B-6                           A-30/360   SQ0201UB6      2,068,996.00   1,000.000000
-----------------------------------------------------------------------------------
</TABLE>

<TABLE>
<CAPTION>
                                                             Current
                                             Total          Principal
Class   Interest           Principal     Distribution        Balance
----------------------------------------------------------------------
           (2)               (3)          (4)=(2)+(3)           (5)
----------------------------------------------------------------------
<S>     <C>                <C>         <C>                <C>
 A              1.292202   11.502810          12.795012     910.812507
 X      5,243,231.600000          --   5,243,231.600000             --
A-R                   --          --                 --             --
B-1             1.717708          --           1.717708   1,000.000000
B-2             1.717708          --           1.717708   1,000.000000
----------------------------------------------------------------------
B-3             1.717706          --           1.717706   1,000.000000
B-4             2.522771          --           2.522771   1,000.000000
B-5             2.522772          --           2.522772   1,000.000000
B-6             2.522774          --           2.522774   1,000.000000
----------------------------------------------------------------------
</TABLE>
<PAGE>
Distribution in Dollars - to Date

<TABLE>
<CAPTION>

           Original                         Unscheduled       Scheduled          Total
Class     Face Value         Interest        Principal        Principal        Principal
------------------------------------------------------------------------------------------
             (1)               (2)              (3)              (4)          (5)=(3)+(4)

------------------------------------------------------------------------------------------
<S>     <C>               <C>              <C>              <C>              <C>
  A     496,378,000.00     7,829,178.42    44,270,709.40               --    44,270,709.40
  X             100.00     5,162,266.17           100.00               --           100.00
 A-R            100.00             0.27                                                 --

 B-1      5,915,000.00       115,334.09               --               --               --
 B-2      5,143,000.00       100,281.21               --               --               --
 B-3      2,315,000.00        45,139.20               --               --               --
 B-4      1,534,000.00        41,460.93               --               --               --
 B-5      1,028,000.00        27,784.79               --               --               --
 B-6      2,068,996.00        55,920.82               --               --               --

------------------------------------------------------------------------------------------
Total   514,382,196.00    13,377,365.90    44,270,909.40               --    44,270,909.40
==========================================================================================
</TABLE>

<TABLE>
<CAPTION>
                                                               Current
            Total          Realized          Deferred          Principal
Class   Distribution        Losses           Interest           Balance
-------------------------------------------------------------------------
         (6)=(2)+(5)          (7)              (8)          (9)=(1)-(5)-
                                                               (7)+(8)
-------------------------------------------------------------------------
<S>     <C>              <C>              <C>              <C>
  A     52,099,887.82               --               --    452,107,290.60
  X      5,162,366.17               --               --                --
 A-R           100.27               --               --                --
                                                 100.00            100.00
 B-1       115,334.09               --               --      5,915,000.00
 B-2       100,281.21               --               --      5,143,000.00
 B-3        45,139.20               --               --      2,315,000.00
 B-4        41,460.93               --               --      1,534,000.00
 B-5        27,784.79               --               --      1,028,000.00
 B-6        55,920.82               --               --      2,068,996.00

-------------------------------------------------------------------------
Total   57,648,275.30               --               --    470,111,286.60
=========================================================================
</TABLE>

Interest Detail
<TABLE>
<CAPTION>
             Pass-        Prior Principal                      Non-        Prior
           Through        (with Notional)    Accrued        Supported     Unpaid
Class        Rate            Balance         Interest      Interest SF   Interest
                                               (1)             (2)         (3)

---------------------------------------------------------------------------------
<S>     <C>               <C>               <C>            <C>           <C>
  A            1.68125%    457,817,032.26   641,420.74              --         --
  X            1.33529%                --   524,323.16              --         --
 A-R           3.02733%                --           --              --         --
 B-1           2.06125%      5,915,000.00    10,160.24              --         --
 B-2           2.06125%      5,143,000.00     8,834.17              --         --
---------------------------------------------------------------------------------
 B-3           2.06125%      2,315,000.00     3,976.49              --         --
 B-4           3.02733%      1,534,000.00     3,869.93              --         --
 B-5           3.02733%      1,028,000.00     2,593.41              --         --
 B-6           3.02733%      2,068,996.00     5,219.61              --         --

---------------------------------------------------------------------------------
Total                      475,821,028.26   1,200,397.75            --         --
=================================================================================
</TABLE>

<TABLE>
<CAPTION>
        Unscheduled                    Paid or        Current
         Interest       Optimal        Deferred        Unpaid
Class   Adjustments     Interest       Interest       Interest
            (4)         (5)=(1)-        (6)         (7)=(5)-(6)
                      (2)+(3)+(4)
---------------------------------------------------------------
<S>     <C>          <C>             <C>            <C>
  A              --     641,420.74     641,420.74            --
  X              --     524,323.16     524,323.16            --
 A-R             --             --             --            --
 B-1             --      10,160.24      10,160.24            --
 B-2             --       8,834.17       8,834.17            --
---------------------------------------------------------------
 B-3             --       3,976.49       3,976.49            --
 B-4             --       3,869.93       3,869.93            --
 B-5             --       2,593.41       2,593.41            --
 B-6             --       5,219.61       5,219.61            --

---------------------------------------------------------------
Total            --   1,200,397.75   1,200,397.75            --
===============================================================
</TABLE>
<PAGE>
                            COLLECTION ACCOUNT REPORT

<TABLE>
<CAPTION>
SUMMARY                                                                   TOTAL
-------------------------------------------------------------------------------
<S>                                                                <C>
Principal Collections                                              5,709,741.66
Principal Withdrawals                                                      0.00
Principal Other Accounts                                                   0.00
TOTAL PRINCIPAL                                                    5,709,741.66

Interest Collected                                                 1,221,204.28
Interest Withdrawals                                                       0.00
Interest Other Accounts                                                    9.46
Fees                                                                 (20,815.98)
TOTAL INTEREST                                                     1,200,397.76

TOTAL AVAILABLE TO CERTIFICATEHOLDERS                              6,910,139.42
</TABLE>

<TABLE>
<CAPTION>
PRINCIPAL - COLLECTIONS                                                   TOTAL
-------------------------------------------------------------------------------
<S>                                                                <C>
Scheduled Principal                                                        0.00
Curtailments                                                         604,836.25
Prepayments In Full                                                5,104,905.41
Repurchased Principal Amounts                                              0.00
Substitution Principal Amount                                              0.00
Liquidations                                                               0.00
Insurance Principal                                                        0.00
Other Principal                                                            0.00
Total Realized Loss Of Principal                                           0.00

TOTAL PRINCIPAL COLLECTED                                          5,709,741.66
</TABLE>

<TABLE>
<CAPTION>
PRINCIPAL - WITHDRAWALS                                                   TOTAL
-------------------------------------------------------------------------------
<S>                                                                <C>
                         SPACE INTENTIONALLY LEFT BLANK
</TABLE>

<TABLE>
<CAPTION>
PRINCIPAL - OTHER ACCOUNTS                                                TOTAL
-------------------------------------------------------------------------------
<S>                                                                <C>
Amounts remaining in Pre-Funding Account                                   0.00
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
INTEREST - COLLECTIONS                                                    TOTAL
-------------------------------------------------------------------------------
<S>                                                               <C>
Scheduled Interest                                                 1,351,261.58
Repurchased Interest                                                       0.00
Substitution Interest Amount                                               0.00
Liquidation Interest                                                       0.00
Insurance Interest                                                         0.00
Other Interest                                                             0.00

Delinquent Interest                                               (1,175,227.55)
Interest Advanced                                                  1,045,170.25
Prepayment Interest Shortfalls                                        (4,676.68)
Compensating Interest                                                  4,676.68
Civil Relief Act Shortfalls                                                0.00

TOTAL INTEREST COLLECTED                                            1,221,204.28
</TABLE>

<TABLE>
<CAPTION>
INTEREST - WITHDRAWALS                                                    TOTAL
-------------------------------------------------------------------------------
<S>                                                                <C>
Current Nonrecoverable Advances                                            0.00

TOTAL INTEREST WITHDRAWALS                                                 0.00
</TABLE>

<TABLE>
<CAPTION>
INTEREST - OTHER ACCOUNTS                                                 TOTAL
-------------------------------------------------------------------------------
<S>                                                                <C>
Basis Risk Shortfall                                                       0.00
Basis Risk Reserve Fund Interest Earnings                                  9.46

TOTAL INTEREST OTHER ACCOUNTS                                              9.46
</TABLE>

<TABLE>
<CAPTION>
INTEREST - FEES                                                           TOTAL
-------------------------------------------------------------------------------
<S>                                                                   <C>
Current Servicing Fees                                                19,229.91
Trustee Fee                                                            1,586.07

TOTAL FEES                                                            20,815.98
</TABLE>
<PAGE>
                            CREDIT ENHANCEMENT REPORT

<TABLE>
<CAPTION>
ACCOUNTS                                                                  TOTAL
-------------------------------------------------------------------------------
<S>                                                                   <C>
BASIS RISK RESERVE FUND

Beginning Balance                                                     10,000.00
Basis Risk Deposit                                                         0.00
Basis Risk Shortfall paid                                                  0.00
Investment Earnings distributed to the Class X Bondholder                  9.46
Ending Balance                                                        10,000.00
</TABLE>

<TABLE>
<CAPTION>
INSURANCE                                                                 TOTAL
-------------------------------------------------------------------------------
<S>                                                                <C>

                         SPACE INTENTIONALLY LEFT BLANK
</TABLE>

<TABLE>
<CAPTION>
STRUCTURAL FEATURES                                                       TOTAL
-------------------------------------------------------------------------------
<S>                                                                  <C>
Pro Rata Senior Percentage                                            96.216225%
Senior Percentage                                                    100.000000%
Subordinate Percentage                                                 0.000000%
Senior Prepayment Percentage                                         100.000000%
Subordinate Percentage                                                 0.000000%
</TABLE>
<PAGE>
                                COLLATERAL REPORT

<TABLE>
<CAPTION>
COLLATERAL                                                                TOTAL
-------------------------------------------------------------------------------
<S>                                                              <C>
   Loan Count:
ORIGINAL                                                                   1254
Prior                                                                     1,172
Prefunding                                                                   --
Scheduled Paid Offs                                                          --
Full Voluntary Prepayments                                                  (13)
Repurchases                                                                  --
Liquidations                                                                 --
-------------------------------------------------------------------------------
Current                                                                   1,159

PRINCIPAL BALANCE:
Original                                                         514,382,196.83
Prior                                                            475,821,029.09
Prefunding                                                                   --
Scheduled Principal                                                          --
Partial and Full Voluntary Prepayments                            (5,709,741.66)
Repurchases                                                                  --
Liquidations                                                                 --
-------------------------------------------------------------------------------
Current                                                          470,111,287.43
</TABLE>

<TABLE>
<CAPTION>
PREFUNDING                                                                TOTAL
-------------------------------------------------------------------------------
<S>                                                              <C>
                         SPACE INTENTIONALLY LEFT BLANK
</TABLE>

<TABLE>
<CAPTION>
CHARACTERISTICS                                                           TOTAL
-------------------------------------------------------------------------------
<S>                                                              <C>
Weighted Average Coupon Original                                       3.667751%
Weighted Average Coupon Prior                                          3.564282%
Weighted Average Coupon Current                                        3.407823%
-------------------------------------------------------------------------------
Weighted Average Months to Maturity Original                                297
Weighted Average Months to Maturity Prior                                   289
Weighted Average Months to Maturity Current                                 288
-------------------------------------------------------------------------------
Weighted Avg Remaining Amortization Term Original                           296
Weighted Avg Remaining Amortization Term Prior                              288
Weighted Avg Remaining Amortization Term Current                            287
-------------------------------------------------------------------------------
Weighted Average Seasoning Original                                        3.66
Weighted Average Seasoning Prior                                          11.64
Weighted Average Seasoning Current                                        12.63
</TABLE>

Note:  Original information refers to deal issue.
<PAGE>
<TABLE>
<CAPTION>
ARM CHARACTERISTICS                                                       TOTAL
--------------------------------------------------------------------------------
<S>                                                              <C>
Weighted Average Margin Original                                          1.652%
Weighted Average Margin Prior                                             1.646%
Weighted Average Margin Current                                           1.645%
-------------------------------------------------------------------------------
Weighted Average Max Rate Original                                       12.000%
Weighted Average Max Rate Prior                                          12.000%
Weighted Average Max Rate Current                                        12.000%
-------------------------------------------------------------------------------
Weighted Average Min Rate Original                                        1.652%
Weighted Average Min Rate Prior                                           1.646%
Weighted Average Min Rate Current                                         1.645%
-------------------------------------------------------------------------------
Weighted Average Cap Up Original                                          0.000%
Weighted Average Cap Up Prior                                             0.000%
Weighted Average Cap Up Current                                           0.000%
-------------------------------------------------------------------------------
Weighted Average Cap Down Original                                        0.000%
Weighted Average Cap Down Prior                                           0.000%
Weighted Average Cap Down Current                                         0.000%
</TABLE>

Note:  Original information refers to deal issue.

<TABLE>
<CAPTION>
SERVICING FEES / ADVANCES                                                 TOTAL
-------------------------------------------------------------------------------
<S>                                                              <C>
Current Servicing Fees                                                19,229.91
Delinquent Servicing Fees                                            130,057.30
TOTAL SERVICING FEES                                                 149,287.21

Total Servicing Fees                                                 149,287.21
Compensating Interest                                                 (4,676.68)
Delinquent Servicing Fees                                           (130,057.30)
COLLECTED SERVICING FEES                                              14,553.23

Prepayment Interest Shortfall                                          4,676.68

Total Advanced Interest                                            1,045,170.25

Current Nonrecoverable Advances                                            0.00
</TABLE>

<TABLE>
<CAPTION>
ADDITIONAL COLLATERAL INFORMATION                                         TOTAL
-------------------------------------------------------------------------------
<S>                                                              <C>
Mortgage Loans which adjust based on One-Month LIBOR                       0.00
Mortgage Loans which adjust based on Six-Month LIBOR                       0.00

Special Hazard Loss Coverage Amount                                5,800,000.00
Current Special Hazard Losses                                              0.00
Cumulative Special Hazard Losses                                           0.00
Bankruptcy Loss Coverage Amount                                      100,000.00
Current Bankruptcy Losses                                                  0.00
Cumulative Bankruptcy Losses                                               0.00
Fraud Loss Coverage Amount                                        15,431,466.00
Current Fraud Losses                                                       0.00
Cumulative Fraud Losses                                                    0.00
</TABLE>
<PAGE>
                           DELINQUENCY REPORT - TOTAL
<TABLE>
<CAPTION>
                              CURRENT      1 PAYMENT     2 PAYMTS      3+ PAYMTS        TOTAL
-----------------------------------------------------------------------------------------------
<S>             <C>           <C>         <C>            <C>          <C>            <C>
DELINQUENT      Balance                   365,294.76           --             --     365,294.76
                % Balance                       0.08%        0.00%          0.00%          0.08%
                # Loans                            2           --             --              2
                % # Loans                       0.17%        0.00%          0.00%          0.17%
-----------------------------------------------------------------------------------------------
FORECLOSURE     Balance            --             --           --             --             --
                % Balance        0.00%          0.00%        0.00%          0.00%          0.00%
                # Loans            --             --           --             --             --
                % # Loans        0.00%          0.00%        0.00%          0.00%          0.00%
-----------------------------------------------------------------------------------------------
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            --     365,294.76           --             --     365,294.76
                % Balance        0.00%          0.08%        0.00%          0.00%          0.08%
                # Loans            --              2           --             --              2
                % # Loans        0.00%          0.17%        0.00%          0.00%          0.17%
</TABLE>

Note:  Current = 0-29days, 1 Payment =30-59days, 2 Payments = 60-89days, 3+
       Payments = 90+
<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  =  MSDW Group;   REO Book Value  =  000.00
Total Original Principal Balance =   000.00
Total Current Balance =   000.00
REO Book Value =   000.00
</TABLE>

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

<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>
                 FORECLOSURE REPORT - MORTGAGE LOANS THAT BECOME
                    FORECLOSURE DURING CURRENT DISTRIBUTION

<TABLE>
<CAPTION>
SUMMARY                                           LOAN GROUP
--------------------------------------------------------------------------------
<S>                                               <C>
Total Loan Count =   0                            Loan Group 1  =  MSDW Group
Total Original Principal Balance =   000.00
Total Current Balance =   000.00
</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                                                     TOTAL
-------------------------------------------------------------------------------
<S>                                                               <C>
     CURRENT
     Number of Paid in Full Loans                                            13
     Number of Repurchased Loans                                             --
-------------------------------------------------------------------------------
     Total Number of Loans Prepaid in Full                                   13

     Paid in Full Balance                                          5,104,905.41
     Repurchased Loans Balance                                               --
     Curtailments Amount                                             604,836.25
-------------------------------------------------------------------------------
     Total Prepayment Amount                                       5,709,741.66

     CUMULATIVE
     Number of Paid in Full Loans                                            95
     Number of Repurchased Loans                                             --
-------------------------------------------------------------------------------
     Total Number of Loans Prepaid in Full                                   95

     Paid in Full Balance                                         37,444,550.96
     Repurchased Loans Balance                                               --
     Curtailments Amount                                           6,826,358.44
-------------------------------------------------------------------------------
     Total Prepayment Amount                                      44,270,909.40
</TABLE>

                         SPACE INTENTIONALLY LEFT BLANK

<TABLE>
<CAPTION>
VOLUNTARY PREPAYMENT RATES                                                TOTAL
-------------------------------------------------------------------------------
<S>                                                               <C>
SMM                                                                        1.20%
3 Months Avg SMM                                                           1.11%
12 Months Avg SMM

Avg SMM Since Cut-off                                                      0.90%

CPR                                                                       13.49%
3 Months Avg CPR                                                          12.55%
12 Months Avg CPR

Avg CPR Since Cut-off                                                     10.24%

PSA                                                                      533.90%
3 Months Avg PSA Approximation                                           539.33%
12 Months Avg PSA Approximation
Avg PSA Since Cut-off Approximation                                      628.34%
</TABLE>
<PAGE>
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.
<PAGE>
  PREPAYMENT DETAIL REPORT - LOANS PREPAID IN FULL DURING CURRENT DISTRIBUTION

<TABLE>
<CAPTION>
SUMMARY                                                LOAN GROUP
--------------------------------------------------------------------------------
<S>                                                    <C>
Total Loan Count =   13                                Loan Group 1    =    MSDW Group
Total Original Principal Balance =   5,110,761.00
Total Prepayment Amount =   5,104,905.41
</TABLE>

<TABLE>
<CAPTION>
Loan Number             Original                               Current     State &       Type Prepayment
     &         Loan    Principal     Prepayment   Prepayment    Note        LTV at             &           Origination
Loan Group    Status    Balance        Amount        Date       Rate      Origination     Original Term        Date
----------------------------------------------------------------------------------------------------------------------
<S>           <C>      <C>          <C>           <C>          <C>        <C>            <C>               <C>
390438299 1            380,000.00   379,496.03     Jan-31-03     3.375%   CA -  48.72%    Paid Off - 300     Sep-27-01
390440378 1            360,000.00   360,000.00     Jan-10-03     3.500%   HI -  41.86%    Paid Off - 300     Nov-27-01
390440407 1            275,000.00   275,000.00     Jan-22-03     3.500%   FL -  30.32%    Paid Off - 300     Nov-30-01
390441264 1            292,000.00   292,000.00     Jan-28-03     3.375%   MD -  80.00%    Paid Off - 300     Sep-10-01
390441716 1            850,000.00   847,899.07     Jan-27-03     3.500%   OR -  63.49%    Paid Off - 300     Oct-17-01
390441988 1            204,000.00   204,000.00     Jan-16-03     3.750%   CA -  80.00%    Paid Off - 300     Oct-31-01
390444452 1            550,000.00   550,000.00     Jan-27-03     3.625%   NY -  82.09%    Paid Off - 300     Jan-11-02
390446266 1             77,400.00    77,339.55     Jan-21-03     3.500%   FL -  53.75%    Paid Off - 300     Feb-25-02
390446527 1            200,000.00   198,503.30     Jan-31-03     3.750%   CA -  71.43%    Paid Off - 300     Dec-28-01
390446548 1            474,400.00   474,372.16     Jan-31-03     4.125%   IA -  67.77%    Paid Off - 300     Jan-07-02
390446626 1            136,000.00   136,000.00     Jan-31-03     3.750%   IA -  79.77%    Paid Off - 300     Dec-28-01
390446655 1            891,111.00   891,111.00     Jan-08-03     3.625%   CA -  99.90%    Paid Off - 300     Jan-03-02
390449355 1            420,850.00   419,184.30     Jan-29-03     4.000%   NY -  53.04%    Paid Off - 300     Feb-28-02
</TABLE>
<PAGE>
                        REALIZED LOSS REPORT - COLLATERAL

<TABLE>
<CAPTION>
COLLATERAL REALIZED LOSSES                                                TOTAL
-------------------------------------------------------------------------------
<S>                                                                        <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                                                --
</TABLE>

Note: Collateral Realized Loss Amount may include adjustments to loans
liquidated in prior periods.

                         SPACE INTENTIONALLY LEFT BLANK

<TABLE>
<CAPTION>
DEFAULT SPEEDS                                                            TOTAL
-------------------------------------------------------------------------------
<S>                                                                        <C>
MDR                                                                        0.00%
3 Months Avg MDR                                                           0.00%
12 Months Avg MDR

Avg MDR Since Cut-off                                                      0.00%

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

Avg CDR Since Cut-off                                                      0.00%

SDA                                                                        0.00%
3 Months Avg SDA Approximation                                             0.00%
12 Months Avg SDA Approximation
Avg SDA Since Cut-off Approximation                                        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>
<PAGE>
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.
<PAGE>
   REALIZED LOSS DETAIL REPORT - LOANS LIQUIDATED DURING CURRENT DISTRIBUTION

<TABLE>
<CAPTION>
SUMMARY                                          LOAN GROUP
--------------------------------------------------------------------------------
<S>                                              <C>
Total Loan Count =   0                           Loan Group 1    =    MSDW Group
Total Original Principal Balance =   0.00
Total Prior Principal Balance =   0.00
Total Realized Loss Amount =   0.00
Total Net Liquidation Proceeds =   0.00
</TABLE>

Note: Total Realized Loss Amount may include adjustments to loans liquidated in
      prior periods.

<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                                                            TOTAL
-------------------------------------------------------------------------------
<S>                                                                       <C>

                         SPACE INTENTIONALLY LEFT BLANK

</TABLE>

<TABLE>
<CAPTION>
ADJUSTABLE RATE CERTIFICATE INFORMATION                                   TOTAL
-------------------------------------------------------------------------------
<S>                                                                       <C>

                         SPACE INTENTIONALLY LEFT BLANK

</TABLE>

<TABLE>
<CAPTION>
ADDITIONAL INFORMATION                                                    TOTAL
-------------------------------------------------------------------------------
<S>                                                                       <C>
Basis Risk Shortfall

Class A                                                                    0.00
Class B-1                                                                  0.00
Class B-2                                                                  0.00
Class B-3                                                                  0.00
Unpaid Basis Risk Shortfall
Class A                                                                    0.00
Class B-1                                                                  0.00
Class B-2                                                                  0.00
Class B-3                                                                  0.00
</TABLE>

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00047-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00047-of-00352.parquet"}]]