EXHIBIT 19.1 STATEMENT TO CERTIFICATEHOLDERS NATIONSCREDIT GRANTOR TRUST 1996 - 1 Pursuant to the Pooling and Servicing Agreement, dated as of January 31, 1996 among NationsCredit Securitization Corporation (as "Seller"), NationsCredit Corporation of America (as "Servicer") and Bankers Trust Company (as "Trustee" and "Collateral Agent"), the Servicer is required to prepare certain information each month regarding distribution to Certificateholders and the performance of the Trust. The information with respect to the applicable Distribution Date is set forth below. Month . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Mar-01 Collection Period . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 01-Mar-01 Determination Date. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11-Apr-01 Deposit Date. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13-Apr-01 Distribution Date . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16-Apr-01 POOL BALANCE Pool Balance on the close of the last day of the Collection Period (Record Date) 40,285,776.46 Pool Factor. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18.04966% Ending Pool Balance (per $1,000 certificate) . . . . . . . . . . . . . . . . . . 180.50 Liquidation Proceeds . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 86,582.70 Purchase Amounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . - AMOUNTS DISTRIBUTED ON THE DISTRIBUTION DATE (PER $1,000 CERTIFICATE) Interest Payments: Monthly Interest Payment . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.91 Carry-Over Monthly Interest Payment. . . . . . . . . . . . . . . . . . . . . . . - Total Interest Payment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.91 Principal Payments: Monthly Principal Payment. . . . . . . . . . . . . . . . . . . . . . . . . . . . 5.89 Carry-Over Monthly Principal Payment . . . . . . . . . . . . . . . . . . . . . . - Total Principal Payment. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5.89 Servicing Fee: Servicing Fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.12 Carry-Over Monthly Servicing Fee . . . . . . . . . . . . . . . . . . . . . . . . 0.07 Total Servicing Fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.18 SURETY BOND Surety Bond Amount for the current Distribution Date . . . . . . . . . . . . . . 10,399,819.56 Surety Bond Amount as a % of the Pool Balance. . . . . . . . . . . . . . . . . . 25.81512%

MONTHLY SERVICERS CERTIFICATE NATIONSCREDIT GRANTOR TRUST 1996 - 1 Pursuant to the Pooling and Servicing Agreement, dated as of January 31, 1996 among NationsCredit Securitization Corporation (as "Seller"), NationsCredit Corporation of America (as "Servicer") and Bankers Trust Company (as "Trustee" and "Collateral Agent"), the Servicer is required to prepare certain information each month regarding distribution to Certificateholders and the performance of the Trust. The information with respect to the applicable Distribution Date is set forth below. Month. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Mar-01 Collection Period. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 01-Mar-01 Determination Date . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11-Apr-01 Deposit Date . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13-Apr-01 Distribution Date. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16-Apr-01 POOL BALANCE Pool Balance on the close of the last day of the preceding Collection Period . 41,599,278.23 Principal Collections. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,250,334.53 Purchase Amounts Allocable to Principal. . . . . . . . . . . . . . . . . . . . - Defaulted Receivables. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 63,167.24 Pool Balance on the close of the last day of the Collection Period . . . . . . 40,285,776.46 Original Pool Balance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 223,194,105.12 Pool Factor. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18.04966% Preference Amounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . - Certificate Pass-Through Rate. . . . . . . . . . . . . . . . . . . . . . . . . 5.85% Servicing Fee Rate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.75% AVAILABLE INTEREST Collections allocable to interest. . . . . . . . . . . . . . . . . . . . . . . 366,380.45 Liquidation Proceeds . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 86,582.70 Purchase Amounts allocable to interest . . . . . . . . . . . . . . . . . . . . - Total Interest . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 452,963.15 AVAILABLE PRINCIPAL Collections allocable to principal . . . . . . . . . . . . . . . . . . . . . . 1,250,334.53 Purchase Amounts allocable to principal. . . . . . . . . . . . . . . . . . . . - Total Principal. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,250,334.53 AVAILABLE FUNDS Collections allocable to interest. . . . . . . . . . . . . . . . . . . . . . . 366,380.45 Liquidation Proceeds . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 86,582.70 Purchase Amounts allocable to interest . . . . . . . . . . . . . . . . . . . . - Collections allocable to principal . . . . . . . . . . . . . . . . . . . . . . 1,250,334.53 Purchase Amounts allocable to principal. . . . . . . . . . . . . . . . . . . . - Total Available Funds. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,703,297.68 DEPOSIT TO THE CERTIFICATE ACCOUNT Available Funds allocable to interest. . . . . . . . . . . . . . . . . . . . . 452,963.15 Available Funds allocable to principal . . . . . . . . . . . . . . . . . . . . 1,250,334.53 Reserve Account Interest Withdrawal. . . . . . . . . . . . . . . . . . . . . . - Surety Interest Drawing. . . . . . . . . . . . . . . . . . . . . . . . . . . . - Reserve Account Preference Withdrawal. . . . . . . . . . . . . . . . . . . . . - Surety Preference Withdrawal . . . . . . . . . . . . . . . . . . . . . . . . . - Reserve Account Principal Withdrawal . . . . . . . . . . . . . . . . . . . . . - Surety Principal Drawing . . . . . . . . . . . . . . . . . . . . . . . . . . . - Total Deposit to the Certificate Account . . . . . . . . . . . . . . . . . . . 1,703,297.68 INTEREST PAYMENT Monthly Interest Payment . . . . . . . . . . . . . . . . . . . . . . . . . . . 202,796.48 Carry-Over Monthly Interest. . . . . . . . . . . . . . . . . . . . . . . . . . - Total. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 202,796.48 PRINCIPAL PAYMENT Monthly Principal Payment. . . . . . . . . . . . . . . . . . . . . . . . . . . 1,313,501.77 Carry-Over Monthly Principal . . . . . . . . . . . . . . . . . . . . . . . . . - Total. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,313,501.77 SERVICING FEE Servicing Fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25,999.55 Carry-Over Monthly Servicing Fee . . . . . . . . . . . . . . . . . . . . . . . 15,167.21 Total. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41,166.76 DISTRIBUTIONS FROM THE CERTIFICATE ACCOUNT Interest distributions . . . . . . . . . . . . . . . . . . . . . . . . . . . . 202,796.48 Principal distribution . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,313,501.77 Preference Amounts Servicing Fee distribution . . . . . . . . . . . . . . . . . . . . . . . . . . 41,166.76 Distributions to the Surety Bond Provider. . . . . . . . . . . . . . . . . . . 8,479.68 Distributions to the Reserve Account . . . . . . . . . . . . . . . . . . . . . - Distributions to the Seller. . . . . . . . . . . . . . . . . . . . . . . . . . 137,352.99 Carry-Over Monthly Interest to the next Distribution Date. . . . . . . . . . . - Carry-Over Monthly Principal to the next Distributions Date. . . . . . . . . . - Carry-Over Monthly Servicing Fee to the next Distribution Date . . . . . . . . - RESERVE ACCOUNT Reserve Account Balance as of the end of the preceding Collection Period . . . 5,603,657.59 Earnings from investments on the Reserve Account . . . . . . . . . . . . . . . 24,684.66 Reserve Account Interest Withdrawal. . . . . . . . . . . . . . . . . . . . . . - Reserve Account Preference Withdrawal. . . . . . . . . . . . . . . . . . . . . - Reserve Account Principal Withdrawal . . . . . . . . . . . . . . . . . . . . . - Deposits to the Reserve Account. . . . . . . . . . . . . . . . . . . . . . . . - Reserve Account Balance. . . . . . . . . . . . . . . . . . . . . . . . . . . . 5,628,342.25 Distributions of any excess amounts on deposit in the Reserve Account. . . . . 48,489.62 Ending Reserve Account Balance . . . . . . . . . . . . . . . . . . . . . . . . 5,579,852.63 Reserve Account Balance as a % of the Pool Balance . . . . . . . . . . . . . . 13.85% Specified Reserve Account Requirement. . . . . . . . . . . . . . . . . . . . . 5,579,852.63 Amount needed to fully fund Reserve Account. . . . . . . . . . . . . . . . . . - SURETY BOND Required Surety Bond Amount (25% of the Pool Balance). . . . . . . . . . . . . 10,399,819.56 Surety Bond amount on the previous Distribution Date . . . . . . . . . . . . . 10,723,420.97 Payments made with respect Surety Principal Draws. . . . . . . . . . . . . . . - Payments received with respect to unreimbursed Surety Principal Draws. . . . . - Surety Bond Amount for the current Distribution Date . . . . . . . . . . . . . 10,399,819.56 Total Surety Interest Draws. . . . . . . . . . . . . . . . . . . . . . . . . . - Total Surety Principal Draws . . . . . . . . . . . . . . . . . . . . . . . . . - Total Surety Preference Draws. . . . . . . . . . . . . . . . . . . . . . . . . - Total Draws. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . - Outstanding Remaining Amounts Owed to the Surety Bond Provider . . . . . . . . 4,289.37 Interest on Remaining Amounts Owed to the Surety Bond Provider . . . . . . . . 30.38 Surety Bond Fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4,159.93 Total unreimbursed Surety Interest Draws . . . . . . . . . . . . . . . . . . . - Total unreimbursed Surety Principal Draws. . . . . . . . . . . . . . . . . . . - Total unreimbursed Surety Preference Draws . . . . . . . . . . . . . . . . . . - Amount Owed to Surety Bond Provider. . . . . . . . . . . . . . . . . . . . . . 8,479.68 Surety Bond Fee Paid . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8,479.68 Total payments for Surety Interest Draws . . . . . . . . . . . . . . . . . . . - Total payments for Surety Principal Draws . . . . . . . . . . . . . . . . . . - Total payments for Surety Preference Draws. . . . . . . . . . . . . . . . . . - Payments made to the Surety Bond Provider. . . . . . . . . . . . . . . . . . . 8,479.68 Surety Bond Fee Outstanding. . . . . . . . . . . . . . . . . . . . . . . . . . - Remaining unreimbursed Surety Interest Draws . . . . . . . . . . . . . . . . . - Remaining unreimbursed Surety Principal Draws. . . . . . . . . . . . . . . . . - Remaining unreimbursed Surety Preference Draws . . . . . . . . . . . . . . . . - Remaining Amounts Owed to the Surety Bond Provider . . . . . . . . . . . . . . - NET CREDIT LOSS RATIO Net Credit Losses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (23,415.46) For the Current Collection Period. . . . . . . . . . . . . . . . . . . . . . . -0.69% For the preceding Collection Period. . . . . . . . . . . . . . . . . . . . . . 3.70% For the second preceding Collection Period . . . . . . . . . . . . . . . . . . 3.88% Average Net Credit Loss Ratio. . . . . . . . . . . . . . . . . . . . . . . . . 2.30% DELINQUENCY ANALYSIS Number of Loans 30 to 59 days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . 148 60 to 89 days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39 90 or more days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 Total. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 206 Principal Balance 30 to 59 days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,612,580.66 60 to 89 days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . 380,158.45 90 or more days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . 183,531.52 Total. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2,176,270.63 Delinquency Ratio For the current Collection Period. . . . . . . . . . . . . . . . . . . . . . . 5.40% For the preceding Collection Period. . . . . . . . . . . . . . . . . . . . . . 6.05% For the second preceding Collection Period . . . . . . . . . . . . . . . . . . 6.85% Average Delinquency Ratio. . . . . . . . . . . . . . . . . . . . . . . . . . . 6.10% REPOSSESSION ANALYSIS Current Balance of Contracts where Repossession Occurred in the Current Month. 79,388.04 Number of Contracts where Repossession Occurred in the Current Month . . . . . 8 WEIGHTED AVERAGE COMPUTATIONS Weighted Average Coupon. . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.42% Weighted Average Original Term (months). . . . . . . . . . . . . . . . . . . . 123.00 Weighted Average Remaining Term (months) . . . . . . . . . . . . . . . . . . . 66.85 CASH SETTLEMENT FOR THE TRUSTEE Available Funds due from the Collection Account to Certificate Account . . . . 1,703,297.68 Servicing Fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41,166.76 Interest allocable to the Seller's Certificate . . . . . . . . . . . . . . . . 0.10 Principal amount allocable to the Seller's Certificate . . . . . . . . . . . . 0.62 Wire Funds to the Surety Bond Provider. . . . . . . . . . . . . . . . . . . . . 8,479.68 Net Deposit From Collection Account to the Certificate Account. . . . . . . . . 1,653,650.52 Reserve Account deposit to Certificate Account. . . . . . . . . . . . . . . . . - Surety Bond deposit to Certificate Account. . . . . . . . . . . . . . . . . . . - Total Deposit to the Certificate Account . . . . . . . . . . . . . . . . . . . 1,653,650.52 Wire Funds to the Certificateholders - Interest. . . . . . . . . . . . . . . . 202,796.38 Wire Funds to the Certificateholders - Principal . . . . . . . . . . . . . . . 1,313,501.15 Deposit Funds into the Reserve Account . . . . . . . . . . . . . . . . . . . . - Wire Funds to NationsCredit. . . . . . . . . . . . . . . . . . . . . . . . . . 137,352.99 Approved by: /s/ KEVIN CHURCH ------------------------------------- Kevin Church Vice President