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PeopleFirst.com Vehicle Receivables Owner Trust 2000-1
Reporting Period: July-00
Payment Date: 15-Aug-00
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<S> <C> <C>
Balances Original Current
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Class A-1 Notes $ 31,000,000.00 $ 18,078,390.79
Factor 100.00% 58.32%
Class A-2 Notes $ 109,000,000.00 $ 109,000,000.00
Factor 100.00% 100.00%
Class A-3 Notes $ 34,000,000.00 $ 34,000,000.00
Factor 100.00% 100.00%
Class A-4 Notes $ 71,000,000.00 $ 71,000,000.00
Factor 100.00% 100.00%
Class A Certificate $ 5,004,168.29 $ 5,004,168.29
Factor 100.00% 100.00%
Cash Receipts
Principal Received and Principal Waived (preceding Collection Period) $ 6,641,775.82
Principal Waived $ (10.04)
Interest Collections/Overpayments (preceding Collection Period) $ 1,627,455.18
Liquidation Proceeds (preceding Collection Period) $ -
Repurchase Amounts (preceding Collection Period) $ -
Collection Account Interest Accrued $ 9,461.86
Reserve Account Interest Accrued $ 12,815.99
Other Interest Accrued $ -
Reserve Account Reduction $ -
Total Cash Receipts $ 8,291,498.81
Beginning Reserve Account Balance $ 2,746,343.70
Total Cash Available $ 11,037.842.51
Required Distributions
PF Servicing Fee $ 102,470.82
FSA Premium $ 59,657.84
Indenture Trustee Fee $ 1,015.15
Back-Up Servicing Fee $ 6,148.25 Per $1,000
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Noteholder Interest A1 $ 133,198.81 $ 4.30
Noteholder Interest A2 $ 660,812.50 $ 6.06
Noteholder Interest A3 $ 208,675.00 $ 6.14
Noteholder Interest A4 $ 438,129.17 $ 6.17
Noteholder Principal A1 $ 6,552,958.88 $ 211.39
Noteholder Principal A2 $ - $ -
Noteholder Principal A3 $ - $ -
Noteholder Principal A4 $ - $ -
Certificateholder Principal $ 133,733.85 $ 26.72
Required Reserve Fund Contribution $ 3,177,976.93
Excess Monies Back to Certificateholder $ -
Total Required Distributions $ 11,474,177.19
Actual Distributions
PF Servicing Fee $ 102,470.82
FSA Premium $ 59,657.84
Indenture Trustee Fee $ 1,015.15
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<S> <C> <C> <C>
Back-Up Servicing Fee $ 6,148.25 Per $1,000
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Noteholder Interest A1 $ 133,198.81 $ 4.30
Noteholder Interest A2 $ 660,812.50 $ 6.06
Noteholder Interest A3 $ 208,675.00 $ 6.14
Noteholder Interest A4 $ 438,129.17 $ 6.17
Noteholder Principal A1 $ 6,552,958.88 $ 211.39
Noteholder Principal A2 $ - $ -
Noteholder Principal A3 $ - $ -
Noteholder Principal A4 $ - $ -
Certificateholder Principal $ - $ -
Actual Reserve Fund Contribution $ 128,432.40
Excess Monies Back to Certificateholder $ -
Total Actual Distributions $ 8,291,498.81
Pool Balance at the Beginning of Collection Period $ 245,929,963.24
Pool Balance at End of Collection Period $ 239,288,177.36
Ending Reserve Account Balance $ 2,874,776.10
Amounts Paid Under FSA Policy $ -
Delinquencies Percent Number Amount
30-59 Days 0.01% 2 $ 29,285.98
60-89 Days 0.01% 1 $ 22,722,94
90-119 Days 0.00% 0 $0.00
>=120 days 0.00% 0 $0.00
Default Ratio 0.00% 0 $0.00
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