<PAGE>
EXHIBIT 99.1
Geographical Distribution of Initial and Additional Contract Obligors
<TABLE>
<CAPTION>
Aggregate % of Contract Pool
Number of Principal Balance by Outstanding
Contracts as of Outstanding Principal Balance
State Cut-off Date as of Cut-off Date as of Cut-off Date
----- --------------- ------------------ ------------------
<S> <C> <C> <C>
Alabama ................... 687 $ 25,338,542.58 5.63%
Arizona ................... 296 14,096,599.86 3.13
Arkansas .................. 267 9,759,327.80 2.17
California ................ 270 14,542,049.07 3.23
Colorado .................. 241 11,452,775.36 2.55
Connecticut ............... 5 181,548.06 0.04
Delaware .................. 59 2,267,070.82 0.50
Florida ................... 554 26,455,618.86 5.88
Georgia ................... 580 27,655,650.72 6.15
Idaho ..................... 29 1,320,161.89 0.29
Illinois .................. 102 3,759,055.69 0.84
Indiana ................... 260 12,159,030.16 2.70
Iowa ...................... 80 2,454,905.13 0.55
Kansas .................... 118 4,475,993.84 0.99
Kentucky .................. 245 10,864,203.28 2.41
Louisiana ................. 155 5,643,431.18 1.25
Maine ..................... 88 4,712,219.31 1.05
Maryland .................. 42 1,526,823.85 0.34
Massachusetts ............. 14 694,294.54 0.15
Michigan .................. 711 35,430,039.67 7.87
Minnesota ................. 157 5,142,644.38 1.14
Mississippi ............... 172 5,871,019.02 1.30
Missouri .................. 237 8,368,242.89 1.86
Montana ................... 50 2,154,507.13 0.48
Nebraska .................. 38 1,774,519.71 0.39
Nevada .................... 70 3,450,275.47 0.77
New Hampshire ............. 88 4,305,835.48 0.96
New Jersey ................ 5 236,844.95 0.05
New Mexico ................ 251 11,159,224.35 2.48
New York .................. 173 8,496,269.65 1.89
North Carolina ............ 636 24,311,972.28 5.40
North Dakota .............. 28 961,248.64 0.21
Ohio ...................... 263 12,083,368.77 2.69
Oklahoma .................. 278 10,950,882.63 2.43
Oregon .................... 119 7,130,193.72 1.58
Pennsylvania .............. 219 10,802,893.98 2.40
Rhode Island .............. 1 67,069.20 0.01
South Carolina ............ 456 18,812,033.16 4.18
South Dakota .............. 50 1,902,773.65 0.42
Tennessee ................. 335 13,933,635.07 3.10
Texas ..................... 1,131 50,051,692.16 11.12
Utah ...................... 34 1,940,648.96 0.43
Vermont ................... 47 2,581,042.86 0.57
Virginia .................. 201 7,961,591.88 1.77
Washington ................ 193 13,597,334.41 3.02
West Virginia ............. 87 3,269,308.48 0.73
Wisconsin ................. 65 2,332,321.27 0.52
Wyoming ................... 37 1,559,388.83 0.35
------ --------------- ------
10,224 $449,998,124.65 100.00%
====== =============== ======
</TABLE>
1
<PAGE>
Years of Origination of Initial and Additional Contracts
<TABLE>
<CAPTION>
Number of Aggregate % of Contract Pool by
Contracts Principal Balance Outstanding Principal
as of Outstanding Balance as of
Year of Origination Cut-off Date as of Cut-off Date Cut-off Date
------------------- ------------ ------------------ ---------------------
<S> <C> <C> <C>
1983 .................... 1 $ 3,672.78 0.00%
1989 .................... 2 32,705.90 0.01
1990 .................... 1 22,375.78 0.00
1991 .................... 2 60,989.89 0.01
1993 .................... 2 60,785.12 0.01
1996 .................... 1 66,934.54 0.01
1998 .................... 3 249,915.03 0.06
1999 .................... 32 2,468,186.83 0.55
2000 .................... 10,180 447,032,558.78 99.34
------ --------------- ------
10,224 $449,998,124.65 100.00%
====== =============== ======
</TABLE>
2
<PAGE>
Distribution of Original Initial and Additional Contract Amounts
<TABLE>
<CAPTION>
Number of Aggregate % of Contract Pool by
Contracts Principal Balance Outstanding Principal
Original Contract as of Outstanding Balance as of
Amount (in Dollars) Cut-off Date as of Cut-off Date Cut-off Date
-------------------- ------------ ------------------ ---------------------
<S> <C> <C> <C>
Less than $ 10,000.00 ............................ 163 $ 1,288,544.01 0.29%
Between $ 10,000.01 And $ 20,000.00 .............. 1,160 17,991,897.07 4.00
Between $ 20,000.01 And $ 30,000.00 .............. 2,070 52,403,449.73 11.65
Between $ 30,000.01 And $ 40,000.00 .............. 2,055 71,378,190.66 15.86
Between $ 40,000.01 And $ 50,000.00 .............. 1,452 65,137,974.41 14.48
Between $ 50,000.01 And $ 60,000.00 .............. 1,182 64,612,563.16 14.36
Between $ 60,000.01 And $ 70,000.00 .............. 784 50,712,780.94 11.27
Between $ 70,000.01 And $ 80,000.00 .............. 449 33,500,766.61 7.44
Between $ 80,000.01 And $ 90,000.00 .............. 321 27,203,580.77 6.05
Between $ 90,000.01 And $ 100,000.00 ............. 201 18,964,207.50 4.21
Between $ 100,000.01 And $ 110,000.00 ............ 147 15,396,824.22 3.42
Between $ 110,000.01 And $ 120,000.00 ............ 82 9,395,007.65 2.09
Between $ 120,000.01 And $ 130,000.00 ............ 59 7,335,379.87 1.63
Between $ 130,000.01 And $ 140,000.00 ............ 39 5,238,457.73 1.16
Between $ 140,000.01 And $ 150,000.00 ............ 30 4,360,869.52 0.97
Between $ 150,000.01 And $ 160,000.00 ............ 14 2,170,742.07 0.48
Between $ 160,000.01 And $ 170,000.00 ............ 8 1,316,218.70 0.29
Between $ 170,000.01 And $ 180,000.00 ............ 2 348,855.15 0.08
Between $ 180,000.01 And $ 190,000.00 ............ 3 550,365.63 0.12
Between $ 210,000.01 And $ 220,000.00 ............ 1 212,657.25 0.05
Between $ 220,000.01 And $ 230,000.00 ............ 1 221,002.72 0.05
Between $ 250,000.01 And $ 260,000.00 ............ 1 257,789.28 0.06
------ --------------- ------
10,224 $449,998,124.65 100.00%
====== =============== ======
</TABLE>
3
<PAGE>
Distribution of Original Loan-to-Value Ratios of Initial and
Additional Contracts
The method of calculating loan-to-value ratios is described in the
prospectus.
<TABLE>
<CAPTION>
Aggregate Principal % of Contract Pool by
Number of Contracts Balance Outstanding Outstanding Principal
Loan-to-Value Ratio as of Cut-off Date as of Cut-off Date Balance as of Cut-off Date
------------------- ------------------- ------------------- --------------------------
<S> <C> <C> <C>
Between 0.00% And 5.00% ............ 1 $ 43,509.12 0.01%
Between 5.01% And 10.00% ........... 3 145,356.90 0.03
Between 10.01% And 15.00% .......... 6 218,038.40 0.05
Between 15.01% And 20.00% .......... 12 321,036.68 0.07
Between 20.01% And 25.00% .......... 9 150,962.75 0.03
Between 25.01% And 30.00% .......... 18 555,420.33 0.12
Between 30.01% And 35.00% .......... 30 758,399.18 0.17
Between 35.01% And 40.00% .......... 41 1,168,252.29 0.26
Between 40.01% And 45.00% .......... 53 1,770,424.20 0.39
Between 45.01% And 50.00% .......... 61 2,271,013.97 0.50
Between 50.01% And 55.00% .......... 82 2,979,706.46 0.66
Between 55.01% And 60.00% .......... 102 3,574,739.39 0.79
Between 60.01% And 65.00% .......... 148 6,448,391.73 1.43
Between 65.01% And 70.00% .......... 234 10,211,670.20 2.27
Between 70.01% And 75.00% .......... 282 13,191,718.78 2.93
Between 75.01% And 80.00% .......... 876 36,886,258.63 8.20
Between 80.01% And 85.00% .......... 632 29,544,956.76 6.57
Between 85.01% And 90.00% .......... 3,256 151,529,876.83 33.67
Between 90.01% And 95.00% .......... 3,759 162,761,617.75 36.17
Greater than/Equal to 95.01% ....... 619 25,466,774.30 5.66
------ --------------- ------
10,224 $449,998,124.65 100.00%
====== =============== ======
</TABLE>
4
<PAGE>
Initial and Additional Contract Rates
<TABLE>
<CAPTION>
Aggregate Principal % of Contract Pool by
Range of Contracts by Number of Contracts Balance Outstanding Outstanding Principal
Contract Rate as of Cut-off Date as of Cut-off Date Balance as of Cut-off Date
--------------------- ------------------- ------------------- --------------------------
<S> <C> <C> <C>
Between 6.000% And 6.999% ....... 3 $ 303,214.18 0.07%
Between 7.000% And 7.999% ....... 18 1,614,966.13 0.36
Between 8.000% And 8.999% ....... 336 28,854,206.57 6.41
Between 9.000% And 9.999% ....... 885 66,707,787.73 14.82
Between 10.000% And 10.999% ..... 615 42,715,921.68 9.49
Between 11.000% And 11.999% ..... 1,414 75,756,167.10 16.83
Between 12.000% And 12.999% ..... 1,050 49,448,120.75 10.99
Between 13.000% And 13.999% ..... 1,520 51,797,845.19 11.51
Between 14.000% And 14.999% ..... 1,152 39,554,884.73 8.79
Between 15.000% And 15.999% ..... 795 24,620,417.33 5.47
Between 16.000% And 16.999% ..... 810 25,635,860.93 5.70
Between 17.000% And 17.999% ..... 971 27,350,955.99 6.08
Between 18.000% And 18.999% ..... 590 14,304,135.10 3.18
Between 19.000% And 19.999% ..... 50 1,052,544.77 0.23
Between 20.000% And 20.999% ..... 11 217,048.37 0.05
Between 21.000% And 21.999% ..... 4 64,048.10 0.01
------ --------------- ------
10,224 $449,998,124.65 100.00%
====== =============== ======
</TABLE>
5
<PAGE>
Remaining Months to Maturity of Initial and Additional Contracts
<TABLE>
<CAPTION>
Aggregate Principal % of Contract Pool by
Months Remaining Number of Contracts Balance Outstanding Outstanding Principal
As of Cut-off Date as of Cut-off Date as of Cut-off Date Balance as of Cut-off Date
------------------ ------------------- ------------------- --------------------------
<S> <C> <C> <C>
Less than 31 ........... 3 $ 16,850.02 0.00%
31 to 60 ............... 107 1,236,809.60 0.27
61 to 90 ............... 101 1,441,370.01 0.32
91 to 120 .............. 435 7,205,651.50 1.60
121 to 150 ............. 89 1,719,061.28 0.38
151 to 180 ............. 987 22,437,926.27 4.99
181 to 210 ............. 3 114,533.14 0.03
211 to 240 ............. 1,470 44,221,125.33 9.83
241 to 270 ............. 1 29,605.60 0.01
271 to 300 ............. 971 32,401,885.12 7.20
301 to 330 ............. 2 127,921.88 0.03
331 to 360 ............. 6,055 339,045,384.90 75.34
------ --------------- ------
10,224 $449,998,124.65 100.00%
====== =============== ======
</TABLE>
6
