SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


                                   FORM 10-K/A
                                 Amendment No.1


(Mark One)

/     x / ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
      EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2000 or

/   / TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
      SECURITIES EXCHANGE ACT OF 1934


      Commission File No.:   333-65481-45

                Wells Fargo Asset Securities Corporation
                Mortgage Pass-Through Certificates
                Series 2000-11 Trust
        (Exact name of registrant as specified in its charter)



New York                           52-2281846
(State or other jurisdiction     (I.R.S. Employer
 of incorporation or              Identification  No.)
 organization)

c/o Wells Fargo Bank Minnesota, N.A.
9062 Old Annapolis Road
Columbia, Maryland                            21045
(Address of principal executive offices)     (ZIP Code)


Registrant's telephone number, including area code:
     (410) 884-2000

Securities to be registered pursuant to Section 12(b) of the Act:

     NONE

Securities to be registered pursuant to Section 12(g) of the Act:

     NONE

Indicate by check mark whether the registrant (1) has filed all reports required
to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
the preceding 12 months (or for such shorter period that the registrant was
required to file such reports), and (2) has been subject to such filing
requirements for the past 90 days.

     Yes   X          No ___


This Amendment No. 1 on Form 10-K/A amends Item 14 of the original Annual Report
on Form 10-K (the "Original Form 10-K") filed on March 28, 2001, on behalf of
Wells Fargo Asset Securities Corporation Series 2000-11 Trust established
pursuant to the Pooling and Servicing Agreement among Wells Fargo Asset
Securities Corporation as Seller and Wells Fargo Bank Minnesota, National
Association as Master Servicer and First Union National Bank as Trustee,
pursuant to which the Wells Fargo Asset Securities Corporation Series 2000-11
Trust registered under the Securities Act of 1933 (the"Certificates") were
issued.


Item 14 of the original Form 10K is amended in its entirety to read as follows:

Item 14.  Exhibits, Financial Statement Schedules, and Reports
          on Form 8-K.

          (a) Exhibits

              (99.1) Annual Independent Accountants' Servicing Reports
                     concerning servicing activities for the year ended December
                     31, 2000.

                     a)   HSBC Bank, USA <F1>
                     b)   Cendant Mortgage Corporation <F1>
                     c)   Fleet Mortgage Corporation <F1>
                     d)   Bank of America FSB (VA) <F1>
                     e)   ABN AMRO Mortgage Group <F1>
                     f)   Washington Mutual, Inc. <F1>
                     g)   Old Kent Mortgage Company <F1>
                     h)   Homeside Lending, Inc (FL) <F1>
                     i)   Firstar Home Mortgage <F1>
                     j)   National City Mortgage <F1>
                     k)   Sun Trust Mortgage, Inc. <F1>
                     l)   Huntington Mortgage Company <F1>
                     m)   Countrywide Funding <F1>
                     n)   Chase Manhattan Mortgage Corporation <F1>
                     o)   Downey Savings <F1>

              (99.2) Report of Management as to Compliance with Minimum
                     Servicing Standards for the year ended December 31, 2000.

                     a)   HSBC Bank, USA <F1>
                     b)   Cendant Mortgage Corporation <F1>
                     c)   Fleet Mortgage Corporation <F1>
                     d)   Bank of America FSB (VA) <F1>
                     e)   ABN AMRO Mortgage Group <F1>
                     f)   Washington Mutual, Inc. <F1>
                     g)   Old Kent Mortgage Company <F1>
                     h)   Homeside Lending, Inc (FL) <F1>
                     i)   Firstar Home Mortgage <F1>
                     j)   National City Mortgage <F1>
                     k)   Sun Trust Mortgage, Inc. <F1>
                     l)   Huntington Mortgage Company <F1>
                     m)   Countrywide Funding <F1>
                     n)   Chase Manhattan Mortgage Corporation <F1>
                     o)   Downey Savings <F1>


              (99.3) Annual Statements of Compliance under the Pooling and
                     Servicing Agreements for the year ended December 31, 2000.

                     a)   HSBC Bank, USA <F1>
                     b)   Cendant Mortgage Corporation <F1>
                     c)   Fleet Mortgage Corporation <F1>
                     d)   Bank of America FSB (VA) <F1>
                     e)   ABN AMRO Mortgage Group <F1>
                     f)   Washington Mutual, Inc. <F1>
                     g)   Old Kent Mortgage Company <F3>
                     h)   Homeside Lending, Inc (FL) <F1>
                     i)   Firstar Home Mortgage <F1>
                     j)   National City Mortgage <F1>
                     k)   Sun Trust Mortgage, Inc. <F1>
                     l)   Huntington Mortgage Company <F1>
                     m)   Countrywide Funding <F1>
                     n)   Chase Manhattan Mortgage Corporation <F1>
                     o)   Downey Savings <F1>


              (99.4) Aggregate Statement of Principal and Interest Distributions
                     to Certificate Holders. <F2>

            (b)  On October 25, 2000, a report on Form 8-K was filed in order to
                 provide the Pooling and Servicing Agreement for the
                 Certificates.

                 On December 11, 2000 and January 3, 2001, reports on Form 8-K
                 were filed by the Company in order to provide the statements
                 for the monthly distributions to holders of the Certificates.

            (c) Not applicable.

            (d)  Omitted.

<F1>  Filed herewith.
<F2>  Previously filed.
<F3>  Such document is not filed herewith since document was not received by the
      reporting person.



                           SIGNATURE

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange
Act of 1934, the registrant has duly caused this report to be signed on its
behalf by the undersigned, thereunto duly authorized:

Wells Fargo Asset Securities Corporation
Mortgage Pass-Through Certificates
Series 2000-11 Trust

Signed:   Wells Fargo Bank Minnesota, N.A., as Master Servicer

By:   Beth Belfield, Assistant Vice President
By:  /s/  Beth Belfield, Assistant Vice President

Dated:  July 10, 2002


Exhibit Index

Exhibit No.

99.1      Annual Independent Accountants' Servicing Reports concerning servicing
          activities for the year ended December 31, 2000.

                     a)   HSBC Bank, USA <F1>
                     b)   Cendant Mortgage Corporation <F1>
                     c)   Fleet Mortgage Corporation <F1>
                     d)   Bank of America FSB (VA) <F1>
                     e)   ABN AMRO Mortgage Group <F1>
                     f)   Washington Mutual, Inc. <F1>
                     g)   Old Kent Mortgage Company <F1>
                     h)   Homeside Lending, Inc (FL) <F1>
                     i)   Firstar Home Mortgage <F1>
                     j)   National City Mortgage <F1>
                     k)   Sun Trust Mortgage, Inc. <F1>
                     l)   Huntington Mortgage Company <F1>
                     m)   Countrywide Funding <F1>
                     n)   Chase Manhattan Mortgage Corporation <F1>
                     o)   Downey Savings <F1>


99.2      Report of Management as to Compliance with Minimum Servicing Standards
          for the year ended December 31, 2000.

                     a)   HSBC Bank, USA <F1>
                     b)   Cendant Mortgage Corporation <F1>
                     c)   Fleet Mortgage Corporation <F1>
                     d)   Bank of America FSB (VA) <F1>
                     e)   ABN AMRO Mortgage Group <F1>
                     f)   Washington Mutual, Inc. <F1>
                     g)   Old Kent Mortgage Company <F1>
                     h)   Homeside Lending, Inc (FL) <F1>
                     i)   Firstar Home Mortgage <F1>
                     j)   National City Mortgage <F1>
                     k)   Sun Trust Mortgage, Inc. <F1>
                     l)   Huntington Mortgage Company <F1>
                     m)   Countrywide Funding <F1>
                     n)   Chase Manhattan Mortgage Corporation <F1>
                     o)   Downey Savings <F1>


99.3      Annual Statements of Compliance under the Pooling and Servicing
          Agreements for the year ended December 31, 2000.

                     a)   HSBC Bank, USA <F1>
                     b)   Cendant Mortgage Corporation <F1>
                     c)   Fleet Mortgage Corporation <F1>
                     d)   Bank of America FSB (VA) <F1>
                     e)   ABN AMRO Mortgage Group <F1>
                     f)   Washington Mutual, Inc. <F1>
                     g)   Old Kent Mortgage Company <F3>
                     h)   Homeside Lending, Inc (FL) <F1>
                     i)   Firstar Home Mortgage <F1>
                     j)   National City Mortgage <F1>
                     k)   Sun Trust Mortgage, Inc. <F1>
                     l)   Huntington Mortgage Company <F1>
                     m)   Countrywide Funding <F1>
                     n)   Chase Manhattan Mortgage Corporation <F1>
                     o)   Downey Savings <F1>


99.4      Aggregate Statement of Principal and Interest Distributions to
          Certificate Holders.<F2>

<F1>  Filed herewith.
<F2>  Previously filed.
<F3>  Such document is not filed herewith since document was not received by the
      reporting person.


EX-99.1 (a)
   Annual Independant Accountant's Servicing Report

   KPMG   (logo)

   12 Fountain Plaza, Suite 601
   Buffalo, NY 14202

   Independent Accountants' Report

   The Board of Directors HSBC Bank USA:

   We have examined management's assertion about HSBC Mortgage Corporation
   (USA)'s compliance with the minimum servicing standards set forth in the
   Mortgage Bankers Association of America's Uniform Single Attestation Program
   for Mortgage Bankers (USAP) as of and for the year ended December 31, 2000
   included in the accompanying Management Assertion. Management is responsible
   for HSBC Mortgage Corporation (USA)'s compliance with those minimum
   servicing standards. Our responsibility is to express an opinion on
   management's assertion about the Company's compliance based on our
   examination.

   Our examination was made in accordance with standards established by the
   American Institute of Certified Public Accountants and, accordingly,
   included examining, on a test basis, evidence about HSBC Mortgage
   Corporation (USA)'s compliance with the minimum servicing standards and
   performing such other procedures as we considered necessary in the
   circumstances. We believe that our examination provides a reasonable basis
   for our opinion. Our examination does not provide a legal determination on
   HSBC Mortgage Corporation (USA)'s compliance with the minimum servicing
   standards.

   In our opinion, management's assertion that HSBC Mortgage Corporation (USA)
   has complied in all material respects with the aforementioned minimum
   servicing standards as of and for the year ended December 31, 2000 is fairly
   stated, in all material respects.

   Buffalo, New York
   February 13, 2001



EX-99.1 (b)

    Deloitte & Touche LLP
    Two Hilton Court
    P.O. Box 319
    Parsippany, New Jersey 07054-0319

    Tel: (973) 683 7000
    Fax: (973) 683 7459
    www.us.deloitte.com


    Deloitte   (logo)
    &Touche

    INDEPENDENT AUDITORS'REPORT

    Cendant Mortgage Corporation:

     We have examined management's assertion about Cendant Mortgage
     Corporation's compliance with the minimum servicing standards identified in
     the Mortgage Bankers Association of America's Uniform Single Attestation
     Program for Mortgage Bankers (USAP) as of and for the year ended December
     31, 2000 included in the accompanying management assertion. Management is
     responsible for Cendant Mortgage Corporation's compliance with those
     minimum servicing standards. Our responsibility is to express an opinion on
     management's assertion about the entity's compliance based on our
     examination.

     Our examination was made in accordance with standards established by the
     American Institute of Certified Public Accountants and, accordingly,
     included examining, on a test basis, evidence about Cendant Mortgage
     Corporation's compliance with the minimum servicing standards and
     performing such other procedures as we considered necessary in the
     circumstances. We believe that our examination provides a reasonable basis
     for our opinion. Our examination does not provide a legal determination on
     Cendant Mortgage Corporation's compliance with the minimum servicing
     standards.

     In our opinion, management's assertion that Cendant Mortgage Corporation
     complied with the aforementioned minimum servicing standards as of and for
     the year ended December 31, 2000, is fairly stated in all material
     respects.

     February 9, 2001


EX-99.1 (c)

    PRICEWATERHOUSECOOPERS   (logo)

    PricewaterhouseCoopers LLP
    1441 Main Street, Suite 705
    Columbia SC 29201
    Telephone (803) 779 0930

    Report of Independent Accountants

    To the Board of Directors and Stockholder
    of Fleet Mortgage Corp.

    We have examined management's assertion about Fleet Mortgage Corp. and its
    subsidiaries' (the "Company") compliance with the minimum servicing
    standards identified in the Mortgage Bankers Association of America's
    Uniform Single Attestation Progmm for Mortgage Bankers ("USAP") as of and
    for the year ended December 31, 2000 included in the accompanying management
    assertion (see Exhibit 1). Management is responsible for the Company's
    compliance with those minimum servicing standards. Our responsibility is to
    express an opinion on management's assertion about the Company's compliance
    based on our examination.

    Our examination was made in accordance with attestation standards
    established by the American Institute of Certified Public Accountants and,
    accordingly, included examining, on a test basis, evidence about the
    Company's compliance with the minimum servicing standards and perfonning
    such other procedures as we considered necessary in the circumstances. We
    believe that our examination provides a reasonable basis for our opinion.
    Our examination does not provide a legal determination on the Company's
    compliance with the minimum servicing standards.

    In our opinion, management's assertion that the Company complied with the
    aforementioned minimum servicing standards as of and for the year ended
    December 31, 2000 is fairly stated, in all material respects.

    March 2, 2001



EX-99.1 (d)


   PRICEWATERHOUSECOOPERS   (logo)

   PricewaterhouseCoopers LLP
   Bank of America Corporate Center
   100 North Tryon Street
   Suite 5400
   Charlotte NC 28202
   Telephone (704) 344 7500
   Facsimile (704) 344 4100


   Report of Independent Accountants

   To the Board of Directors and Shareholder of Bank of America, N.A.

    We have examined management's assertion about compliance by BA Mortgage, LLC
    and the mortgage division of Bank of America, N.A. (collectively the
    "Company"), which together comprise an operating division of Bank of
    America, N.A., with the minimum servicing standards identified in the
    Mortgage Bankers Association of America's Uniform Single Attestation Program
    for Mortgage Bankers ("USAP") as of and for the year ended December 31, 2000
    included in the accompanying management assertion (see Exhibit 1).
    Management is responsible for the Company's compliance with those minimum
    servicing standards. Our responsibility is to express an opinion on
    management's assertion about the Company's compliance based on our
    examination.

    Our examination was made in accordance with attestation standards
    established by the American Institute of Certified Public Accountants and,
    accordingly, included examining, on a test basis, evidence about the
    Company's compliance with the minimum servicing standards and performing
    such other procedures as we considered necessary in the circumstances. We
    believe that our examination provides a reasonable basis for our opinion.
    Our examination does not provide a legal determination on the Company's
    compliance with the minimum servicing standards.

    In our opinion, management's assertion that the Company complied with the
    aforementioned minimum servicing standards as of and for the year ended
    December 31, 2000 is fairly stated, in all material respects.

    January 25, 2001



EX-99.1 (e)

    ERNST & YOUNG   (logo)

    Ernst & Young LLP
    Sears Tower
    233 South Wacker Drive
    Chicago, Illinois 60606-6301
    Phone: (312) 879-2000
    www.ey.com

    Report on Management's Assertion on Compliance
    with Minimum Servicing Standards Set Forth in the
    Uniform Single Attestation Program for Mortgage Bankers

    Report of Independent Accountants

    Board of Directors
    ABN AMRO North America, Inc.

      We have examined management's assertion, included in the accompanying
      report titled Report of Management, that except for noncompliance with the
      minimum servicing standard for escrow funds and custodial bank and related
      clearing account reconciliations, Mortgage Group, Inc. (AAMG, a wholly
      owned subsidiary of ARN AMRO North America, Inc.) complied with the
      minimum servicing standards set forth in the Mortgage Bankers Association
      of America's Uniform Single Attestation Program for Mortgage Bankers
      (USAP) during the year ended December 31, 2000. Management is responsible
      for AAMG's compliance with those requirements. Our responsibility is to
      express an opinion on management's assertions about AAMG's compliance
      based on our examination.

      Our examination was made in accordance with attestation standards
      established by the American Institute of Certified Public Accountants and,
      accordingly, included examining, on a test basis, evidence about AAMG's
      compliance with those requirements and performing such other procedures as
      we considered necessary in the circumstances. We believe that our
      examination provides a reasonable basis for our opinion. Our examination
      does not provide a legal determination on AAMG's compliance with specified
      requirements.

      In our opinion, management's assertion that, except for noncompliance with
      the minimum servicing standard for escrow funds and custodial bank and
      related clearing account reconciliations, AAMG complied with the
      aforementioned requirements during the year ended December 31, 2000, is
      fairly stated, in all material respects.

      This report is intended solely for the information and use of the board of
      directors, management, and AAMG's private investors and is not intended to
      be and should not be used by anyone other than these specified parties.


      Ernst & Young LLP
      January 22, 2001

      Ernst & Young LLP is a member of Ernst & Young International, Ltd.



EX-99.1 (f)

Deloitte & Touche LLP
Suite 4500
700 Fifth Avenue
Seattle Washington 98104-5044

Tel: (206) 292-1800
Fax: (206) 343-7809

Deloitte
&Touche  (logo)


INDEPENDENT ACCOUNTANTS' REPORT ON
COMPLIANCE WITH UNIFORM SINGLE ATTESTATION
PROGRAM FOR MORTGAGE BANKERS

Audit Committee of the Board of Directos
Washington Mutual, Inc.

We have examined management's assertion about Washington Mutual, Inc's (the
Company) compliance with the minimum servicing standards identified in the
Mortgage Bankers Association of America's Uniform Single Attestation Program for
Mortgage Bankers (USAP) as of and for the year ended in December 31, 2000,
included in the accompanying management assertion. Management is responsible for
the Company's compliance with those minimum servicing standards. Our
responsibility is to express an opinion on management's assertion about the
Company's compliance based on our examination.

Our examination was made in accordance with standards established by the
American Institute of Certified Public Accountants and, accordingly, included
examining, on a test basis, evidence about the Company's compliance with the
minimum servicing standards and performing such other procedures as we
considered necessary in the circumstances. We believe that our examination
provides a reasonable basis for our opinion. Our examination does not provide a
legal determination on the Company's compliance with the minimum servicing
standards.

In our opinion, management's assertion that the Company complied with the
aforementioned minimum servicing standards as of and for the year ended December
31, 2000, is fairly stated, in all material respects.




EX-99.1 (g)

   ARTHURANDERSEN   (logo)

   INDEPENDENT ACCOUNTANT'S REPORT

   To the Shareholder and The Board of Directors of
   Old Kent Mortgage Services, Inc.:

    We have examined management's assertion about Old Kent Mortgage Services,
    Inc.'s compliance with the minimum servicing standards identified in the
    Mortgage Bankers Association of America's Uniform Single Attestation Program
    for Mortgage Bankers (USAP) and that Old Kent Mortgage Services, Inc. had in
    effect a fidelity bond and errors and omissions policy in the amount of
    $50,000,000 and $20,000,000, respectively as of and for the year ended
    December 31, 2000 included in the accompanying Management Representation
    Letter. Management is responsible for Old Kent Mortgage Services, Inc.'s
    compliance with those minimum servicing standards and for maintaining a
    fidelity bond and errors and omissions policy. Our responsibility is to
    express an opinion on management's assertion based on our examination.

    Our examination was made in accordance with standards established by the
    American Institute of Certified Public Accountants and, accordingly,
    included examining, on a test basis, evidence about Old Kent Mortgage
    Services, Inc.'s compliance with the minimum servicing standards and
    performing such other procedures as we considered necessary in the
    circumstances. We believe that our examination provides a reasonable basis
    for our opinion. Our examination does not provide a legal determination on
    Old Kent Mortgage Services, Inc.'s compliance with the minimum servicing
    standards.

    In our opinion, management's assertion that Old Kent Mortgage Services, Inc.
    complied with the aforementioned minimum servicing standards and that Old
    Kent Mortgage Services, Inc. had in effect a fidelity bond and errors and
    omissions policy in the amount of $50,000,000 and $20,000,000, respectively
    as of and for the year ended December 31, 2000 is fairly stated, in all
    material respects.


   Chicago, Illinois
   March 16, 2001


EX-99.1 (h)

    KPMG    (logo)

    Suite 2700, Independent Square
    One Independent Drive
    PO. Box 190
    Jacksonville, FL 32201-0190

    Independent Auditors' Report


    The Board of Directors
    HomeSide Lending, Inc.:

    We have examined management's assertion about HomeSide Lending, Inc. and
    subsidiaries' (the Company's) compliance with the minimum servicing
    standards set forth in the Mortgage Bankers Association of America's Uniform
    Single Attestation Program for Mortgage Bankers and that the Company had in
    effect a fidelity bond and errors and omissions policy in the amount of $76
    million and $20 million., respectively, as of and for the year ended
    September 30, 2000, included in the accompanying management assertion letter
    dated December 1, 2000. Management is responsible for the Company's
    compliance with those minimum servicing standards. Our responsibility is to
    express an opinion on management's assertion about the Company's compliance
    based on our examination.

    Our examination was made in accordance with standards established by the
    American Institute of Certified Public Accountants and, accordingly,
    included examining, on a test basis, evidence about the Company's compliance
    with the minimum servicing standards and performing such other procedures as
    we considered necessary in the circumstances. We believe that our
    examination provides a reasonable basis for our opinion. Our examination
    does not provide a legal determination on the Company's compliance with the
    minimum servicing standards.

    In our opinion, management's assertion that HomeSide Lending, Inc. and
    subsidiaries has complied in all material respects with the aforementioned
    minimum servicing standards and that the Company had in effect a fidelity
    bond and errors and omissions policy in the amount of $76 million and $20
    million, respectively, as of and for the year ended September 30, 2000 is
    fairly stated, in all material respects.


    December 1, 2000



EX-99.1 (i)

   PRICEWATERHOUSECOOPERS   (logo)

   PricewaterhouseCoopers LLP
   650 Third Avenue South
   Suite 1300
   Minneapolis MN 55402

   Telephone      (612) 596 6000
   Facsimile      (612) 373 7160

   Report of Independent Accountants

   To the Board of Directors and Shareholder of
   Firstar Bank, N.A.

    We have examined management's assertion about Firstar Bank,N.A (including
    Firstar Home Mortgage) (the "Company") compliance with the minimum servicing
    standards identified in the Mortgage Bankers Association of America's
    Uniform Single Attestation Program for Mortgage Bankers ("USAP") as of and
    for the year ended December 31, 2000, included in the accompanying
    management assertion (see Exhibit 1). Management is responsible for the
    Company's compliance with those minimum servicing standards. Our
    responsibility is to express an opinion on management's assertion about the
    Company's compliance based on our examination.

    Our examination was made in accordance with attestation standards
    established by the American Institute of Certified Public Accountants and,
    accordingly, included examining, on a test basis, evidence about the
    Company's compliance with the minimum servicing standards and performing
    such other procedures as we considered necessary in the circumstances. We
    believe that our examination provides a reasonable basis for our opinion.
    Our examination does not provide a legal determination on the Company's
    compliance with the minimum servicing standards.

    In our opinion, management's assertion that the Company complied with the
    aforementioned minimum servicing standards as of and for the year ended
    December 31, 2000, is fairly stated, in all material respects.


    March 12, 2001


EX-99.1 (j)

   ERNST&YOUNG    (logo)
   Ernst & Young LLP
   1300 Huntington Building
   925 Euclid Avenue
   Cleveland, Ohio 44115-1405
   Phone: (216) 861-5000
   www.ey.com

   Report on Management's Assertion on Compliance
   with Minimum Servicing Standars Set Forth in the
   Uniform Single Attestation Program for Mortgage Bankers

   Report of Independent Accountants

   Board of Directors
   National City Mortgage Co.

   We have examined management's assertion, included in the accompanying
   report titled Report of Management, that National City Mortgage Co.
   (NCM) complied with the minimum servicing standards set forth in the
   Mortgage Bankers Association of America's Uniform Single Attestation
   Program for Mortgage Bankers (USAP) during the year ended December 31,
   2000. Management is responsible for NCM's compliance with those
   requirements. Our responsibility is to express an opinion on
   management's assertions about NCM's compliance based on our
   examination.

   Our examination was made in accordance with standards established by
   the American Institute of Certified Public Accountants and,
   accordingly, included examining, on a test basis, evidence about NCM's
   compliance with those requirements and performing such other
   procedures as we considered necessary in the circumstances. We believe
   that our examination provides a reasonable basis for our opinion. Our
   examination does not provide a legal determination on NCM's compliance
   with specified requirements.

   In our opinion, management's assertion, that NCM complied with the
   aforementioned requirements during the year ended December 31, 2000,
   is fairly stated, in all material respects.

   This report is intended solely for the information and use of the
   audit committee, management, Federal Home Loan Mortgage Corporation,
   Federal National Mortgage Association, Government National Mortgage
   Association and NCM private investors and is not intended to be and
   should not be used by anyone other than these specified parties.

   February 2, 2001



EX-99.1 (k)

  ARTHURANDERSEN  (logo)

  REPORT OF INDEPENDENT PUBLIC ACCOUNTANTS

  To SunTrust Mortgage, Inc.:

   We have examined management's assertion about SUNTRUST MORTGAGE, INC.'s
   compliance with the minimum servicing standards identified in the Mortgage
   Bankers Association of America's Uniform Single Attestation Program for
   Mortgage Banks ("USAP") and that the Company had in effect a fidelity bond
   and errors and omissions policy in the amounts of $ 100,000,000 and
   $28,500,000, respectively, as of and for the year ended December 31, 2000
   included in the accompanying management assertion. Management is responsible
   for the Company's compliance with those minimum servicing standards and for
   maintaining a fidelity bond and errors and omissions policy. Our
   responsibility is to express an opinion on management's assertion about the
   entity's compliance with the minimum servicing standards and maintenance of a
   fidelity bond and errors and omissions policy based on our examination.

   Our examination was made in accordance with standards established by the
   American Institute of Certified Public Accountants and, accordingly, included
   examining, on a test basis, evidence about the Company's compliance with the
   minimum servicing standards and performing such other procedures as we
   considered necessary in the circumstances. We believe that our examination
   provides a reasonable basis for our opinion. Our examination does not provide
   a legal determination on the Company's compliance with the minimum servicing
   standards.

   In our opinion, management's assertion that the Company complied with the
   aforementioned minimum servicing standards and that the Company had in effect
   a fidelity bond and errors and omissions policy in the amounts of $
   100,000,000 and $28,500,000, respectively, as of and for the year ended
   December 31, 2000 is fairly stated in all material respects.

   Atlanta, Georgia
   February 2, 2001



EX-99.1 (l)

   ERNST&YOUNG  (logo)

   Ernst&Young LLP
   1100 Huntington Center
   41 South High Street
   Columbus, Ohio 43215

   Phone: (614) 224-5678
   Fax:   (614) 222-3939

   Report of Independent Accountants

   Board of Directors
   The Huntington Mortgage Company

        We have examined management's assertion, included in the accompanying
        report titled Report of Management, that The Huntington Mortgage Company
        (HMC), a wholly-owned subsidiary of The Huntington National Bank,
        complied with the minimum servicing standards set forth in the Mortgage
        Bankers Association of America's Uniform Single Attestation Program for
        Mortgage Bankers (USAP) during the year ended December 31, 2000.
        Management is responsible for HMC's compliance with those requirements.
        Our responsibility is to express an opinion on management's assertion
        about HMC's compliance based on our examination.

        Our examination was conducted in accordance with attestation standards
        established by the American Institute of Certified Public Accountants
        and, accordingly, included examining, on a test basis, evidence about
        HMC's compliance with those requirements and performing such other
        procedures as we considered necessary in the circumstances. We believe
        that our examination provides a reasonable basis for our opinion. Our
        examination does not provide a legal determination on HMC's compliance
        with specified requirements.

        In our opinion, management's assertion that HMC complied with the
        aforementioned requirements during the year ended December 31, 2000 is
        fairly stated, in all material respects.

        This report is intended solely for the information and use of the board
        of directors, management, Federal Home Loan Mortgage Corporation,
        Federal National Mortgage Association, and HMC's private investors, and
        is not intended to be and should not be used by anyone other than these
        specified parties.

        March 6, 2001




EX-99.1 (m)

    Grant Thornton   (logo)

    Accountants and
    Management Consultants
    Grant Thornton LLP
    The US Member Firm of
    Grant Thornton International

    REPORT OF INDEPENDENT ACCOUNTANTS ON MANAGEMENT'S ASSERTION ON
    COMPLIANCE WITH MINIMUM SERVICING STANDARDS SET FORTH IN THE
    UNIFORM SINGLE ATTESTATION PROGRAM FOR MORTGAGE BANKERS

    Board of Directors
    Countrywide Credit Industries, Inc.

         We have examined management's assertion about Countrywide Credit
         Industries, Inc. and Subsidiaries (which includes its wholly-owned
         subsidiary, Countrywide Home Loans, Inc.) ("the Company") compliance
         with the minimum servicing standards identified in the Mortgage Bankers
         Association of America's Uniform Single Attestation Program for
         Mortgage Bankers (USAP) as of and for the year ended February 28, 2001
         included in the accompanying management assertion. Management is
         responsible for the Company's compliance with those minimum servicing
         standards. Our responsibility is to express an opinion on management
         assertion about the entity's compliance based on our examination.

         Our examination was made in accordance with standards established by
         the American Institute of Certified Public Accountants and,
         accordingly, included examining, on a test basis, evidence about the
         Company's compliance with the minimum servicing standards and
         performing such other procedures as we considered necessary in the
         circumstances. We believe that our examination provides a reasonable
         basis for our opinion. Our examination does not provide a legal
         determination on the Company's compliance with the minimum servicing
         standards.

         In our opinion, management's assertion that Countrywide Credit
         Industries, Inc. and Subsidiaries (which includes wholly-owned
         subsidiary, Countrywide Home Loans, Inc.) complied with the
         aforementioned minimum servicing standards as of and for the year ended
         February 28, 2001 is fairly stated, in all material respects.

         Los Angeles, California
         March 16, 2001



EX-99.1 (n)

    PRICEWATERHOUSECOOPERS (LOGO)
    PricewaterhouseCoopers LLP
    1441 Main Street, Suite 705
    Columbia SC 29201
    Telephone (803) 779 0930


    Report of Independent Accountants

    To the Board of Directors and Stockholder
    of Chase Manhattan Mortgage Corporation:


    We have examined management's assertion about Chase Manhattan Mortgage
    Corporation's (the "Company") compliance with the minimum servicing
    standards ("standards") identified in the Mortgage Bankers Association of
    America's Uniform Single Attestation Program for Mortgage Bankers ("USAP")
    as of and for the year ended December 31, 2000 included in the accompanying
    management assertion (see Exhibit 1). The Company performs loan subservicing
    functions for the residential loan servicing portfolio of Chase Mortgage
    Company. Management is responsible for the Company's compliance with those
    minimum servicing standards. Our responsibility is to express an opinion on
    management's assertion about the entity's compliance based on our
    examination.

    Our examination was made in accordance with standards established by the
    American Institute of Certified Public Accountants and, accordingly,
    included examining, on a test basis, evidence about the Company's compliance
    with the standards and performing such other procedures as we considered
    necessary in the circumstances. We believe that our examination provides a
    reasonable basis for our opinion. Our examination does not provide a legal
    determination on the Company's compliance with the standards.

    In our opinion, management's assertion that the Company complied with the
    aforementioned standards as of and for the year ended December 31, 2000 is
    fairly stated, in all material respects.


    March 2, 2001



EX-99.1 (o)

     KPMG       (logo)

     355 South Grand Avenue
     Suite 2000
     Los Angeles, CA 90071-1568

     INDEPENDENT ACCOUNTANTS' REPORT

     The Board of Directors
     Downey Financial Corp.:

     We have examined management's assertion about Downey Financial Corp. and
     subsidiaries'(Downey) compliance with the minimum servicing standards set
     forth in the Mortgage Bankers Association of America's Uniform Single
     Attestation Program for Mortgage Bankers (USAP) as of and for the year
     ended December 31, 2000 included in the accompanying management assertion.
     Management is responsible for Downey's compliance with those minimum
     servicing standards. Our responsibility is to express an opinion on
     management's assertion about Downey's compliance based on our examination.

     Our examination was made in accordance with standards established by the
     American Institute of Certified Public Accountants and, accordingly,
     included examining, on a test basis, evidence about Downey's compliance
     with the minimum servicing standards and perforiming such other procedures
     as we considered necessary in the circumstances. We believe that our
     examination provides a reasonable basis for our opinion. Our examination
     does not provide a legal determination on Downey's compliance with the
     minimum servicing standards.

     In our opinion, management's assertion that Downey Financial Corp. and
     subsidiaries has complied in all material respects with the aforementioned
     minimum servicing standards as of and for the year ended December 31, 2000
     is fairly stated, in all material respects.

      January 17, 2001




EX-99.2 (a)

Report of Management

HSBC (logo)

Management Assertion

As of and for the year ended December 31, 2000, HSBC Mortgage Corporation (USA)
has complied in all material respects with the minimum servicing standards set
forth in the Mortgage Bankers Association of America's Uniform Single
Attestation Program for Mortgage Bankers. As of and for this same period, HSBC
Mortgage Corporation (USA) had in effect fidelity bond and errors and omissions
policies in the amount of $508,000,000 and $50,000,000 respectively.

David J. Hunter
President

Daniel B. Duggan
SVP, Secondary Marketing

Susan Wojnar
SVP, Mortgage Servicing


HSBC Mortgage Corporation (USA)
2929 Walden Avenue, Depew, NY  14043



EX-99.2 (b)

Cendant Mortgage
3000 Leadenhall Road
Mount Laurel, NJ 08054

CENDANT Mortgage (logo)

As of and for the year ended December 31, 2000, Cendant Mortgage Corporation
(the Company) has complied in all material respects with the minimum servicing
standards set forth in the Mortgage Bankers Association of America's Uniform
Single Attestation Program for Mortgage Bankers. As of and for this same period,
the Company had in effect a fidelity bond and errors and omissions policy in the
amount of $110 million and $20 million, respectively.

Cendant Mortgage Corporation


Terence W.Edwards
President and Chief Executive Officer


Martin Foster
Vice President Servicing Management Group



EX-99.2 (c)

Fleet Mortgage     (logo)
1333 Main Street
Columbia, SC 29201
803 929.7900 tel
803 929.7107 fax

Management's Assertion Concerning Compliance
with USAP Minimum Servicing Standards

March 2, 2001

As of and for the year ended December 31, 2000, Fleet Mortgage Corp. and its
subsidiaries (the "company") have complied in all material respects with the
minimum servicing standards set forth in the Mortgage Bankers Association of
America's Uniform Single Attestation Program for Mortgage Bankers ("USAP").

As of and for this same period, the Company had in effect a fidelity bond and
errors and omissions policy of $1000,000,000 and $20,000,000 respectively.


Michael J. Torke
Chief Executive Officer and President


William B. Naryka
Executive Vice President, Chief Financial Officer


Robert A. Rosen
Executive Vice President of Loan Servicing



EX-99.2 (d)

Bank of America  (logo)

BankofAmerica
100 North Tryon Street
Charlotte, NC 28255

Tel 704.332.2321

Exhibit 1

MANAGEMIENT'S ASSERTION CONCERNING COMPLIANCE
WITH THE USAP MINIMUM SERVICING STANDARDS

January 25, 2001

As of and for the year ended December 31, 2000, except as specifically noted
below, BA Mortgage, LLC and the Mortgage division of Bank of America, N.A.
(collectively, the "Company"), which together comprise an operating division of
Bank of America, N.A., has complied in all material respects with the minimum
servicing standards (the "Standards") set forth in the Mortgage Bankers
Association of America's Uniform Single Attestation Program for Mortgage Bankers
("USAP"). During the year ended December 31, 2000, the following instance of
noncompliance with the Standards occurred; however, this instance has been
remedied and procedural enhancements continue to be implemented.

Standard: Custodial bank account and related bank clearing account
reconciliations shall be prepared within forty-five (45) calendar days after the
cutoff date and documented reconciling items shall be resolved from these
reconciliations within ninety (90) calendar days of their original
identification.

During the year ended December 31, 2000, management continued to isolate and
review reconciling items in custodial accounts related to certain real estate
mortgage investment conduits. For the months January through May, reconciling
items had been outstanding for more than 90 days; as of December 31, 2000, no
reconciling items had been outstanding for more than 90 days

Management has taken definitive actions and implemented procedures and controls
to address and correct the instance of noncompliance which occurred during 2000.

As of and for the year ended December 31, 2000, the Company was covered by Bank
of America Corporation's fidelity bond insurance coverage and mortgage servicing
errors and omissions insurance coverage in the amounts of $275,000,000 and
$275,000,000, respectively.


U S A (logo)


Kevin M. Shannon
President
Consumer Real Estate

Daniel F. Hellams
President
Bank of America Mortgage

Denise C. Sawyer
Chief Financial Officer
Bank of America Mortgage

Gary K. Bettin
Consumer Real Estate
Loan Servicing Executive
Bank of America Mortgage

J. Mark Hanson
Senior Vice President
Bank of America Mortgage

H. Randall Chestnut
Senior Vice President
Bank of America Mortgage

Jeanne Bader
Senior Vice President
Bank of America Mortgage




EX-99.2 (e)

    ABN-AMRO

    ABN AMRO Mortgage Group, Inc.
    4242 North Harlem Avenue
    Norridge, Illinois 60706-1204
    (708) 456-0400

    Affiliates:
    LaSalle Bank
    LaSalle Home Mortgage
    Standard Federal Bank


    Management's Assertion on Compliance with the Minimum Servicing
    Standards Set Forth in the Uniform Single Attestation Program for
    Mortgage Bankers

    Report of Management

    We, as members of management of ABN AMRO Mortgage Group, Inc. (AAMG, a
    wholly owned subsidiary of ABN AMRO North America, Inc.) are responsible for
    complying with the minimum servicing standards as set forth in The Mortgage
    Bankers Association of America's Uniform Single Attestation Program for
    Mortgage Bankers (USAP). We are also responsible for establishing and
    maintaining effective internal control over compliance with these standards.
    We have performed an evaluation of AAMG's compliance with the minimum
    servicing standards as set forth in the USAP as of December 31, 2000 and for
    the year then ended. Based on this evaluation, we assert that during the
    year ended December 31, 2000, AAMG complied, in all material respects, with
    the minimum servicing standards set forth in the USAP except as described
    below.

    Escrow funds were not returned to mortgagors within 30 calendar days of loan
    payoff for 1 out of the 45 tested.

    Custodial bank and related clearing account reconciliations contained items
    which were not resolved within 90 calendar days of their original
    identification for 4 out of the 120 tested.

    As of and for this same period, ABN AMRO North America, Inc. had in effect a
    fidelity bond in the amount of $500,000,000 and an error and omissions
    policy in the amount $25,000,000.

    Stanley Rhodes
    President

    Richard Geary
    Group Senior Vice President



EX-99.2 (f)

    Washington, Mutual  (logo)

    Loan Servicing
    9451 Corbin Ave
    M/S* N01010i
    Northridge, CA 91324

    As of and for the 12 months ended December 31, 2000, Washington Mutual, Inc.
    (the "Company") has complied in all material respects with the minimum
    servicing standards set forth in the Mortgage Bankers Association of
    America's Uniform Single Attestation Program for Mortgage Bankers. As of and
    for this same period, the Company had in effect a fidelity bond and errors
    and omissions policy in the amounts of $110 million and S50 million,
    respectively.

    Craig S. Davis                     Davi Imig
    President                          Senior Vice President
    Washington Mutual Home Loans &     Loan Servicing
    Insurance Services Group

    February 23, 2001



EX-99.2 (g)

OLD KENT   (logo)

Old Kent Mortgage Company
4420 44th Street SE, Suite B
Grand Rapids, MI 49S12-4011

As of and for the year ended December 31, 2000, Old Kent Mortgage Services, Inc.
has complied with the minimum servicing standards set forth in the Mortgage
Banking Association of America's Uniform Single Attestation Program for Mortgage
Bankers. As of and for this same period, OKMS had in effect a fidelity bond
coverage and errors and omissions policy in the amount of $50,000,000 and
$20,000.000. respectively.


Donald Britton                              Maijorie M. Dodd
President and CEO, OKMS                     Chief Financial Officer, OKMS

March 16,2001                               March 16, 2001




EX-99.2 (h)

HOMESIDE LENDING, INC.  (logo)


Management Assertion Letter

As of and for the year ended September 30, 2000, HomeSide Lending, Inc. and
subsidiaries has complied in all material respects with the minimum servicing
standards set forth in the Mortgage Bankers Association of America's Uniform
Single Attestation Program for Mortgage Bankers. As of and for this same period,
HomeSide Lending had in effect a fidelity bond and errors and omissions policy
in the amount of $76 million and $20 million, respectively.

William Glasgow, Jr.

December 1, 2000


Post Office Box 45298, Jacksonville, FL 32232-5298 1-800-874-0209



EX-99.2 (i)

FIRSTAR  (logo)
Bank Without Boundaries

Exhibit I

1550 East 79th Street
Bloomington, MN 55425

Management's Assertion Concerning Compliance
with USAP Minimum Servicing Standards

March 12, 2001

As of and for the year ended December 31, 2000, Firstar Bank, N.A and its
subsidiaries (including Firstar Home Mortgage) (the "Company") have complied in
all material respects with the minimum servicing standards set forth in the
Mortgage Bankers Association of America's Uniform Single Attestation Program for
Mortgage Bankers ("USAP").

As of and for this same period, the Company had in effect a fidelity bond and
errors and omissions policy in the amounts of $50,000,000 and $25,000,000
respectively.

Dan Arrigoni
President and Chief Executive Officer
Firstar Home Mortgage

Rick Aneshansel
Chief Financial Officer
Firstar Home Mortgage

Michael L. Norris
Senior Vice President, Mortgage Servicing
Firstar Home Mortgage



EX-99.2 (j)

         National City Mortgage Co.
         3232 Newmark Drive
         Miamisburg, Ohio 45342
         Telephone (937) 910-1200

         Mailing Address:
         P.O. Box 1820
         Dayton, Ohio 45401-1820

         Management's Assertion on Compliance with Minimum Servicing
         Standards Set Forth in the Uniform Single Attestation Programfor
         Mortgage Bankers

         Report of Management

         We, as members of management of National City Mortgage Co., (NCM), are
         responsible for complying with the minimum servicing standards as set
         forth in the Mortgage Bankers Association of America's Uniform Single
         Attestation Program for Mortgage Bankers (USAP). We are also
         responsible for establishing and maintaining effective internal control
         over compliance with these standards. We have performed an evaluation
         of NCM's compliance with the minimum servicing standards as set forth
         in the USAP as of December 31, 2000 and for the year then ended. Based
         on this evaluation, we assert that during the year ended December 31,
         2000, NCM complied, in all material respects, with the minimum
         servicing standards set forth in the USAP.

         As of and for this same period, NCM had in effect a fidelity bond and
         errors policy in the amount of $70 million and an omissions policy in
         the amount of $40 million.


         T. Jack Case Jr., Executive Vice President

         February 2. 2001



EX-99.2 (k)

     SunTrust Mortgage, Inc.
     Post Office Box 26149
     Richmond. VA 23260-6149
     1-800-634-7928

     SUNTRUST   (logo)

     February 10, 2000

     Arthur Andersen LLP
     133 Peachtree Street, NE
     Atlanta, GA 30303


     Dear Sirs:

     As of and for the year ended December 1, 2000, SunTrust Mortgage,
     Inc. has complied in all material respects with the minimum
     servicing standards set forth in the Mortgage Bankers Association of
     America's Uniform Single Attestation Program for Mortgage Bankers.
     As of and for this same period, SunTrust Mortgage, Inc. had in
     effect a fidelity bond and errors and omissions policy in the
     amounts of $100,000,000 and $28,500,000 respectively.

     Sincerely,

     Ralph B. Carrigan
     Executive Vice President



EX-99.2 (l)

Huntington Mortgage Company  (logo)

Report of Management

We, as members of management of The Huntington Mortgage Company (HMC), a
wholly-owned subsidiary of The Huntington National Bank, are responsible for
complying with the minimum servicing standards as set forth in the Mortgage
Bankers Association of America's Uniform Single Attestation Program for Mortgage
Bankers (USAP). We are also responsible for establishing and maintaining
effective internal control over compliance with these standards. We have
performed an evaluation of HMC's compliance with the minimum servicing standards
as set forth in the USAP as of December 31, 2000 and for the year then ended.
Based on this evaluation, we assert that during the year ended December 31,
2000, HMC complied, in all material respects, with the minimum servicing
standards set forth in the USAP.

As of and for this same period, HMC had in effect a fidelity bond in the amount
of $70,000,000 and an errors and omissions policy in the amount of $10,000,000.

Thomas J. Finnegan III
President and Chief Executive Officer


Irving A. Adler
Senior Vice President

March 6, 2001



EX-99.2 (m)

Countrywide  (logo)

4500 Park Granda
Calabasas, CA  91302

(818)225-3000

March 16, 2001

Grant Thornton LLP
1000 Wilshire Boulevard, Suite 300
Los Angeles, CA 90017

Gentlemen:

As of and for the year ended February 28, 2001, Countrywide Credit Industries,
Inc. and Subsidiaries (which includes its wholly-owned subsidiary, Countrywide
Home Loans, Inc.) ("the Company") has complied in all material respects with the
minimum servicing standards set forth in the Mortgage Bankers Association of
America's Uniform Single Attestation for Mortgage Bankers. As of and for this
same period, the Company had in effect a fidelity bond and errors and omissions
policy in the amount of $230,000,000.

Carlos M. Garcia
Senior Managing Director,
Chief Financial Officer

(P:/gt/2001/3-16-01 USAP)



EX-99.2 (n)

CHASE  (logo)

Exhibit 1

Management's Assertion Concerning Compliance
with USAP Minimum Servicing Standands


March 2, 2001

As of and for the year ended December 31, 2000, Chase Manhattan Mortgage
Corporation ("CMMC") and Chase Mortgage Company ("CMC") and their subsidiaries
(collectively, the "Group") have complied in all material respects with the
minimum servicing standards (the "Standards") set forth in the Mortgage Bankers
Association of America's Uniform Single Attestation Program for Mortgage Bankers
("USAP")

As of and for this same period, the Group had in effect fidelity bond and errors
and omissions policy in the amounts of $250,000,000 and $25,000,000
respectively.

Thomas Jacob
Chief Executive Officer


Terry L. Gentry
Sr. Vice President of Servicing


Glenn Mouridy
Executive Vice President of Servicing


Lucy Gambino
Vice President of Risk Management



EX-99.2 (o)

DOWNEY FINANCIAL CORP.

Management's Report on Compliance
with Minimum Servicing Standards

As of and for the year ended December 31, 2000, Downey Financial Corp. and
subsidiaries (Downey) has complied in all material respects with the minimum
servicing standards set forth in the Mortgage Bankers Association of America's
Uniform Single Attestation Program for Mortgage Bankers. As of and for this same
period, Downey had in effect a fidelity bond in the amount of $15 million limit
per loss incident and aggregate coverage of $30 million. Downey also had an
errors and omissions policy in the amount of $15 million as of and for the same
period.


Daniel D.Rosenthal
President and Chief Executive Officer

Thomas E Prince
Executive Vice President
Chief Financial Officer

January 17, 2001

Downey Financial Corp.
3501 Jamboree Road * P.O. Box 6000 * Newport Beach, CA 92658-6000 *
(949) 509-4500





EX-99.3 (a)

    Annual Statement of Compliance

    HSBC   (logo)

    Wells Fargo Bank Minnesota, N.A
    11000 Broken Land Parkway
    Columbia, MD 21044-3562

    Attn: Master Servicing

    RE: Officer's Certificate

    Dear Master Servicer:

    The undersigned Officer certifies the following for the 2000 fiscal year:

      (A) I have reviewed the activities and performance of the Servicer during
          the preceding fiscal year under the terms of the Servicing Agreement,
          Trust Agreement, Pooling and Servicing Agreement and/or
          Seller/Servicer Guide and to the best of these Officers' knowledge,
          the Servicer has fulfilled all of its duties, responsibilities or
          obligations under these Agreements throughout such year, or if there
          has been a default or failure of the Servicer to perform any of such
          duties, responsibilities or obligations, a description of each default
          or failure and the nature and status thereof has been reported to
          Wells Fargo Bank Minnesota, N.A.;
      (B) I have confirmed that the Servicer is currently an approved FNMA or
          FHLMC Servicer in good standing;
      (C) I have confirmed that the Fidelity Bonds, the Errors and Omissions
          Insurance Policy and any other bonds required under the terms of the
          Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement
          and/or Seller/Servicer Guide are in full force and effect;
      (D) All premiums for each Hazard Insurance Policy, Flood Insurance Policy
          (if applicable) and Primary Mortgage Insurance Policy (if applicable),
          with respect to each Mortgaged Property, have been paid and that all
          such insurance policies are in full force and effect;
      (E) All real estate taxes, governmental assessments and any other expenses
          accrued and due, that if not paid could result in a lien or
          encumbrance on any Mortgaged Property, have been paid, or if any such
          costs or expenses have not been paid with respect to any Mortgaged
          Property, the reason for the nonpayment has been reported to Wells
          Fargo Bank Minnesota, N.A.;
      (F) All Custodial Accounts have been reconciled and are properly funded;
          and
      (G) All annual reports of Foreclosure and Abandonment of Mortgage Property
          required per section 6050H, 6050J, and 6050P of the Internal Revenue
          Code, respectively, have been prepared and filed.

      Certified By:

      Officer

      Title



EX-99.3 (b)

    CENDANT Mortgage (logo)

    May 11, 2001

    Wells Fargo
    11000 Broken Land Parkway
    Columbia, MD 21044

    RE: Officer's Certificate
         Annual Certification

    Dear Master Servicer:

    The undersigned officer certifies the following for the 2000 calendar year.

    a)  I have reviewed the activities and performances of the Servicer during
        the preceding fiscal year under the terms of the Servicing Agreement,
        Trust Agreement, Pooling and Servicing Agreement and/or Servicer Guide
        and to the best of my knowledge, the Servicer has fulfilled all of its
        duties, responsibilities or obligations under these Agreements
        throughout such year, or if there has been a default or failure of the
        Servicer to perform any such duties, responsibilities or obligations, a
        description of each default or failure and the nature and status thereof
        has been reported to Wells Fargo;

    b)  I have confirmed that the Servicer is currently an approved FNMA or
        FHLMC Servicer in good standing;

    c)  I have confirmed that the Fidelity Bond, the Errors and Omissions
        Insurance Policy and any other bonds required under the terms of the
        Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement
        and/or Servicer Guide are in full force and effect;


    d)  To the best of my knowledge, all premiums for each Hazard Insurance
        Policy, Flood Insurance Policy (if applicable) and Primary Mortgage
        Insurance Policy (if applicable), with respect to each Mortgaged
        Property, have been paid and that such insurance policies are in full
        force and effect;

    e)  To the best of my knowledge, all real estate taxes, governmental
        assessments and any other expenses accrued and due, that if not paid
        could result in a lien or encumbrance on any Mortgage Property, have
        been paid, or if any such costs or expenses have been paid with respect
        to any Mortgaged Property, the reason for the non-payment has been
        reported to Wells Fargo;

    f) To the best of my knowledge,  all Custodial Accounts have been reconciled
       and are properly funded; and

    g) To the best of my knowledge, all annual reports of Foreclosure and
       Abandonment of Mortgaged Property required per section 6050J and 6050P of
       the Internal Revenue Code, respectively, have been prepared and filed.


    Certified by:


    Officer - Marc J. Hinkle

    Vice President - Loan Servicing
    Title

    5/11/2001
    Date



EX-99.3 (c)

    Wells Fargo Bank Minnesota., N.A,
    11000 Broken Land Parkway
    Columbia, MD 21044-3562
    Attention: Master Servicing

    RE: Officer's Certificate

    Dear Master Servicer:

    The undersigned Officer certifies the following for the 2000 fiscal year:

    (A) I have reviewed the activities and performance of the Servicer during
        the preceding fiscal year under the terms of the Servicing Agreement,
        Trust Agreement, Pooling and Servicing Agreement and/or Seller/Servicer
        Guide and to the best of these Officers' knowledge, the Servicer has
        fulfilled all of its duties, responsibilities or obligations under these
        Agreements throughout such year, or if there has been a default or
        failure of the servicer to perform any of such duties, responsibilities
        or obligations, a description of each default or failure and the nature
        and status thereof has been reported to Wells Fargo Bank Minnesota,
        N.A.;

    (B) I have confirmed that the Servicer is currently an approved FNMA or
        FHLMC servicer in good standing;

    (C) I have confirmed that the Fidelity Bond, the Errors and Omissions
        Insurance Policy and any other bonds required under the terms of the
        Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement
        and/or Seller/Servicer Guide are in full force and effect;

    (D) All premiums for each Hazard Insurance Policy, Flood Insurance Policy
        (if applicable) and Primary Mortgage Insurance Policy (if applicable),
        with respect to each Mortgaged Property, have been paid and that all
        such insurance policies are in full force and effect;

    (E) All real estate taxes, governmental assessments and any other expenses
        accrued and due, that if not paid could result in a lien or encumbrance
        on any Mortgaged Property, have been paid, or if any such costs or
        expenses have not been paid with respect to any Mortgaged Property, the
        reason for the non-payment has been reported to Wells Fargo Bank
        Minnesota, N.A.;

   (F) All Custodial Accounts have been reconciled and are properly funded; and

   (G) All annual reports of Foreclosure and Abandonment of Mortgage Property
      required per section 6050H, 6050J and 6050P of the Internal Revenue Code,
      respectively, have been prepared and filed.

    Certified By:

    Officer

    Title
    Date




EX-99.3 (d)

    ANNUAL OFFICER CERTIFICATION

    In accordance with the Servicing Agreement, I, the undersigned, hereby
    certify as to each Mortgage Loan being serviced by Bank of America, N.A. the
    following:

    1.  I am a duly authorized officer of Bank of America, N.A. and am empowered
        and authorized to issue this Annual Certification.

    2.  All taxes, ground rents and assessments for the Mortgages covered herein
        have been paid.

    3.  All insurance premiums for flood or other casualty insurance, and FHA
        premiums or Private Mortgage premiums on conventional loans have been
        paid and are in full force.

    4.  Interest is being paid on escrow in accordance to any laws, regulations,
        or contracts that require payment of interest on mortgagors' escrow
        deposit accounts.

    5.  Analysis has been made to ensure sufficient money was collected in the
        escrow year.

    6.  All required interest rate and/or monthly payment adjustments for ARM
        loans were made in accordance with the mortgage terms, and timely and
        proper notice was provided to the mortgagors.

    7.  With respect to FHA Section 221 mortgages that have reached the 20th
        anniversary of their endorsement, we will assign those mortgages that
        are eligible for assignment under HUD's special assignment procedures if
        requested on a loan by loan basis by the investor.

    8.  We have reported all ninety day delinquencies, completed foreclosures,
        accepted deed-in-lieu, and reinstated mortgages to the major credit
        repositories in accordance with our reporting requirements.

    9.  Property inspections have been made where appropriate.

   10.  We have complied with the Internal Revenue Service's requirements for
        reporting the receipt of $600 or more of interest payments (IRS 1098)
        from a mortgagor, for filing statements for recipients of miscellaneous
        income (IRS 1099-Misc) to report payments of fees to attorneys for
        handling liquidation proceedings, and for filing notices of acquisition
        of abandonment of secured property (IRS 1099-A) to report the
        acquisition of property by foreclosure or acceptance of a deed-in-lieu
        or by a mortgagor's abandonment of a property.

   11.  The Fidelity Bond and Errors and Omissions Coverage has been reviewed.
        All required coverage is in existence and none of our principal officers
        have been removed from coverage.

   12.  A viable contingency plan is in place to minimize financial loss and
        disruptions of service to the institution and its customers, as required
        by federal regulations.

   I FURTHER CERTIFY:

         A. To the best of my knowledge and upon reasonable investigation, the
            servicing of the Mortgage Loans during the year of 2000 has been
            conducted in compliance with the Agreement except for such
            exceptions as I am setting forth below.

            Exceptions (if any): None

         B. A review of activities with respect to performance under the
            Agreement has been made under my supervision and to the best of my
            knowledge, based on such review, no default exists as of 12/31/00 in
            the fulfillment of any obligations under the Agreement other than
            the events of default, if any, which I am listing below with the
            nature and status thereof.


        Events of Default (if any): None

        Bank of America, N.A.

        Robert K Vanderberry
        Investor Services - Kentucky
        Senior Vice President




EX-99.3 (e)

    ABN-AMR0   (logo)

    ABN AMRO Mortgage Group, Inc.
    4242 North Harlem Avenue
    Norridge, Illinois 60706-1204
    (708) 456-0400

    Affiliates:
    LaSalle Bank
    LaSalle Home Mortgage
    Standard Federal Bank


    CERTIFICATE OF COMPLIANCE

    The  undersigned, an officer of ABN AMRO Mortgage Group, Inc., (the
    "participant"), hereby certifies as follows:

    1.  I have made, or caused to be made under my supervision, a review of the
        activities of ABN AMRO Mortgage Group, Inc. during the preceding
        calendar year ending December 31, 2000, with respect to performance
        under the

        and

    2.  To the best of my knowledge, based on such review, there is as of this
        date, no default by ABN AMRO in the fulfillment of any of it's
        obligations under this issue.

    In witness whereof the undersigned has this Certificate of Compliance this
    1st day of March, 2001.

    ABN AMRO Mortgage Group, Inc.

    By:
         Renee' B. Dettman
         Vice President




EX-99.3 (f)

     Washington Mutual (logo)

     OFFICER'S CERTIFICATE

     The undersigned Officer certifies the following for the 2000 fiscal year:

     A. I have reviewed the activities and performances of the Servicer during
        the preceding fiscal year under the terms of the Servicing Agreement,
        Trust Agreement, Pooling and Servicing Agreement and/or Seller/Servicer
        Guide and to the best of this Officers' knowledge, the Servicer has
        fulfilled all of its duties, responsibilities or obligations under these
        Agreements throughout such year.

    B.  I have confirmed that the Servicer is currently an approved FNMA or
        FHLMC Servicer in good standing:

    C.  I have confirmed that the Fidelity Bond, the Errors and Omissions
        Insurance Policy and any other bonds required under the terms of the
        Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement
        and/or Seller/Servicer Guide are in full force and effect:

    D.  All premiums for each Hazard Insurance policy, Flood Insurance Policy
        (if applicable) and Primary Mortgage Insurance Policy (if applicable),
        with respect to each Mortgaged Property, have been paid and that all
        such insurance policies are in full force and effect:

    E.  All real estate taxes, government assessments and any other expenses
        accrued and due, that if not paid could result in a lien or encumbrance
        on any Mortgaged Property have been paid.  All Custodial Accounts have
        been reconciled and are properly funded: and

    F. All annual reports of Foreclosure and Abandonment of Mortgage Property
       required per section 6050H, 6050J and 6050P of the Internal Revenue Code,
       respectively, have been prepared and filed.

    Certified By:

    John Mac Lean

    Vice President
    Title

    March 6, 2001
    Date




EX-99.3 (h)

   HOMESIDE   (logo)
   LENDING, INC.

   June 21, 2001


   Ms. Dionne Dixon
   Wells Fargo Bank Minnesota
   11000 Broken Land Parkway
   Columbia, Maryland 21044

   Re:  Annual Officer's Certification
        Fiscal Year Ending September 30, 2000

   Dear Ms. Dixon:

       HomeSide Lending, Inc.(HomeSide) has reviewed its servicing activities on
       the mortgage loans HomeSide services on behalf of Wells Fargo Bank
       Minnesota. This review was conducted for the purpose of determining if
       the servicer has met all servicing obligations under the agreement
       covering these mortgage loans.

       HomeSide, upon my investigation and to the best of my knowledge, has
       conducted its servicing activities in compliance with the agreement and
       is not in default in the fulfillment of any obligations of the agreement.
       Further, all real estate taxes and hazard insurance premiums have been
       paid as and when due.

       I apologize for the oversight in sending. Should you have any questions
       please contact Lynda M. Pohwat at (904)281-4705 or Lmpohwat@homeside.com.

       Sincerely,

       Karen Bryan
       Vice President



EX-99.3 (i)

Wells Fargo Bank Minnesota, N.A.
11000 Broken Land Parkway
Columbia, MD 21044-3562
Attention: Master Servicing
RE:  Officer's Certificate

Dear Master Servicer:

The undersigned Officer certifies the following for the 2000 fiscal year:

(A)   I have reviewed the activities and performance of the Servicer during the
      preceding fiscal year under the terms of the Servicing Agreement, Trust
      Agreement, Pooling and Servicing Agreement and/or  Seller/Servicer Guide
      and to the best of these Officers' knowledge, the Servicer has fulfilled
      all of its duties, responsibilities or obligations under these Agreements
      throughout such year, or if there has been a default or failure of the
      servicer to perform any of such duties, responsibilities or obligations, a
      description of each default or failure and the nature and status thereof
      has been reported to Wells Fargo Bank Minnesota, N.A.;

(B)   I have confirmed that the Servicer is currently an approved FNMA or FHLMC
      servicer in good standing;

(C)   I have confirmed that the Fidelity Bond, the Errors and Omissions
      Insurance Policy and any other bonds required under the terms of the
      Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement
      and/or Seller/Servicer Guide are in full force and effect;

(D)   All premiums for each Hazard Insurance Policy, Flood Insurance Policy (if
      applicable) and Primary Mortgage Insurance Policy (if applicable), with
      respect to each Mortgaged Property, have been paid and that all such
      insurance policies are in full force and effect;

(E)  All real estate taxes, governmental assessments and any other expenses
     accrued and due, that if not paid could result in a lien or encumbrance on
     any Mortgaged Property, have been paid, or if any such costs or expenses
     have not been paid with respect to any Mortgaged Property, the reason for
     the non-payment has been reported to Wells Fargo Bank Minnesota, N.A.;

(F)  All Custodial Accounts have been reconciled and are properly funded; and

(G)  All annual reports Foreclosure and Abandonment of Mortgage Property
     required per section 6050H, 6050J and 6050P of the Internal Revenue Code,
     respectively, have been prepared and filed.


Certified By:

Officer

Title

Date




EX-99.3 (j)

National City   (logo)
Mortgage

National City Mortgage Co.
3232 Newmark Drive
Miamisburg, Ohio 45342
Telephone (937) 910-1200
Mailing Address:
P.O. Box 1820
Dayton, Ohio 45401-1820

Wells Fargo Bank Minnesota, N. A.
Attn: Master Servicing
11000 Broken Land Parkway
Columbia, Maryland 21044-3562

RE:  Annual Officer's Servicing Certification

Dear Master Servicer:

The undersigned Officer certifies the following for the 2000 fiscal year:

      (a) I have reviewed the activities and performance of the Servicer during
          the preceding fiscal year under the terms of the Servicing Agreement,
          Trust Agreement, Pooling and Servicing Agreement and/or
          Seller/Servicer Guide and to the best of these Officers' knowledge,
          the Servicer has fulfilled all of its duties, responsibilities or
          obligations under these Agreements throughout such year, or if there
          has been a default or failure of the servicer to perform any of such
          duties, responsibilities or obligations, a description of each default
          or failure and the nature and status thereof has been reported to
          Wells Fargo Bank Minnesota, N.A.;
      (b) I have confirmed that the Servicer is currently an approved FNMA or
          FHLMC servicer in good standing;
      (c) I have confirmed that the Fidelity Bond, the Errors and Omissions
          Insurance Policy and any other bonds required under the terms of the
          Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement
          and/or Seller/Servicer Guide are in full force and effect;
      (d) All premiums for each Hazard Insurance Policy, Flood Insurance Policy
          (if applicable) and Primary Mortgage Insurance Policy (if applicable),
          with respect to each Mortgaged Property, have been paid and that all
          such insurance policies are in full force and effect;
      (e) All real estate taxes, governmental assessments and any other expenses
          accrued and due, that if not paid could result in a lien or
          encumbrance on any Mortgaged Property, have been paid, or if any such
          costs or expenses have not been paid with respect to any Mortgaged
          Property, the reason for the nonpayment has been reported to Wells
          Fargo Bank Minnesota, N.A.;
      (f) All Custodial Accounts have been reconciled and are properly funded;
          and
      (g) All annual reports Foreclosure and Abandonment of Mortgage Property
          required per section 6050H, 6050J, and 6050P of the Internal Revenue
          Code, respectively, have been prepared and filed.


Certified By:

Officer  (Charles M. Abourezk)

National City Mortgage
Company

Vice President
Title

March 19, 2001
Date

No One Cares More!



EX-99.3 (k)

    Wells Fargo Bank Minnesota, N.A.
    11000 Broken Land Parkway
    Columbia, MD 21044-3562
    Attention: Master Servicing

    RE: Officer's Certificate

    Dear Master Servicer:

    The undersigned Officer certifies the following for the 2000 fiscal year:

    (A) I have reviewed the activities and performance of the Servicer during
        the preceding fiscal year under the terms of the Servicing Agreement,
        Trust Agreement, Pooling and Servicing Agreement and/or Seller/Servicer
        Guide and to the best of these Officers' knowledge, the Servicer has
        fulfilled all of its duties, responsibilities or obligations under these
        Agreements throughout such year, or if there has been a default or
        failure of the servicer to perform any of such duties, responsibilities
        or obligations, a description of each default or failure and the nature
        and status thereof has been reported to Wells Fargo Bank Minnesota,
        N.A.;

    (B) I have confirmed that the Servicer is currently an approved FNMA or
        FHLMC servicer in good standing;

    (C) I have confirmed that the Fidelity Bond, the Errors and Omissions
        Insurance Policy and any other bonds required under the terms of the
        Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement
        and/or Seller/Servicer Guide are in full force and effect;

    (D) All premiums for each Hazard Insurance Policy, Flood Insurance Policy
       (if applicable) and Primary Mortgage Insurance Policy (if applicable),
        with respect to each Mortgaged Property, have been paid and that all
        such insurance policies are in full force and effect;

    (E) All real estate taxes, governmental assessments and any other expenses
        accrued and due, that if not paid could result in a lien or encumbrance
        on any Mortgaged Property, have been paid, or if any such costs or
        expenses have not been paid with respect to any Mortgaged Property, the
        reason for the non-payment has been reported to Wells Fargo Bank
        Minnesota, N-A.;

    (F) All Custodial Accounts have been reconciled and are properly funded; and

    (G) All annual reports of Forecloslure and Abandonment of Mortgage Property
        required per section 6050H, 6050J and 6050P of the Internal Revenue
        Code, respectively, have been prepared and filed.

    Certified By:

    Officer

    Vice President
    Title

    March 26, 2001
    Date




EX-99.3 (l)

    Huntington
    Mortgage   (logo)
    Company

    OFFICER'S CERTIFICATE

    Dear Master Servicer:

    The undersigned Officer certifies the following for the 2000 fiscal year:

    A    I have reviewed the activities and  performance of the Servicer during
         the proceeding fiscal year under the terms of the servicing agreement,
         Trust Agreement, Pooling and Servicing Agreement and/or Seller/Servicer
         Guide and to the best of these Officers' knowledge, the Servicer has
         fulfilled all of its duties, responsibilities or obligations under
         these Agreements throughout such year, or if there has been a default
         or failure of the servicer to perform an of such duties,
         responsibilities or obligations, a description of each default or
         failure and the nature and status thereof has been reported to Wells
         Fargo Bank Minnesota, N.A.

    B    I have confirmed that the Servicer is currently an approved FNMA or
         FHLMC servicer in good standing:

    C    I have confirmed that the Fidelity Bond, the Errors and omission
         Insurance policy and any other bonds required under the terms of the
         Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement
         and/or Seller/Servicer Guide are in full force and effect;

    D    All premiums for each Hazard insurance Policy, Flood Insurance Policy
         (if applicable) and Primary Mortgage Insurance Policy (if applicable),
         with respect to each Mortgaged Property, have been paid and that all
         such insurance policies are in full force and effect;

    E    All real estate taxes, government assessments and any other expenses
         accrued and due, that if not paid could result in a lien or encumbrance
         on any Mortgaged Property, have been paid, or if and such costs or
         expenses have not been paid with respect to any Mortgaged Property, the
         reason for the non-payment has been reported.

    F    All custodial Accounts have been reconciled and are properly funded;
         and

    G    All annual reports of Foreclosure and Abandonment of Mortgage Property
         required per section 6050H, 6050J and 6050P of the Internal Revenue
         Code, respectively, have been prepared and filed.

    Certified By:

    Officer: Michael Greenwood

    Title: Vice President of Servicing

    7-10-01
    Date

EX-99.3 (m)

Countrywide   (logo)
HOME LOANS
400 Countrywide Way SV.44
Simi Valley, California 93065-6298
(805) 520-5100



                             OFFICER'S CERTIFICATE





I, Joseph Candelario, hereby certify that I am the First Vice President, Loan
Administration of Countrywide Home Loans, Inc., aka Countrywide Funding
Corporation and further certifies the following for the fiscal year ended
February 28, 2001.

     (A) That all premiums for each Hazard Insurance Policy, Flood Insurance
         policy (if applicable) and Primary Mortgage Insurance Policy (if
         applicable), with respect to each Mortgaged Property, have been paid
         and that all such insurance policies are in full force and effect.

     (B) That all accrued and due real estate taxes, governmental assessments
         and any other expenses, that if not paid could result in a lien or
         encumbrance on any Mortgaged Property, have been paid with respect to
         any Mortgaged Property, the reason for non-payment has been reported
         to your designated representative.

     (C) That the Officer signing this certificate has reviewed the activities
         and performance of the Servicer during the preceding fiscal year
         under the terms of the Servicing Agreement, Trust Agreement, Pooling
         and Servicing Agreement and/or Seller/Servicer Guide and to the best of
         the Officer knowledge, the Servicer has fulfilled all of its duties,
         responsibilities or obligation under these Agreements throughout such
         year, or if there has been a default or failure of the Servicer to
         perform on such duties, responsibilities or obligations, a
         description of each default or failure and the nature and status
         thereof has been reported to your designated representative:

     (D) That this Officer has confirmed that the Fidelity Bond, the Error and
         Omissions Insurance Policy and any other bonds required under the terms
         of the Servicing Agreement, Trust Agreement, Pooling and Servicing
         Agreement and/or Seller/Servicer Guide are in full force and effect.


Joseph Candelario
First Vice President                                      Date

Compliance Officer
Loan Administration


EX-99.3 (n)

    THE RIGHT RELATIONSHIP IS EVERYTHING

    Chase Manhattan Mortgage Corporation
    3415 Vision Drive
    Columbus, OH 43219
    1-800-848-9136 Customer Service
    1-800-582-0542 TDD / Text Telephone

    Wells Fargo Bank Minnesota, N.A.
    11000 Broken Land Parkway
    Columbia, MD 21044-3562
    Attention: Master Servicing

    RE: Officer's Certificate

    Dear Master Servicer:

    The undersigned Officer certifies the following for the 2000 fiscal year:

 (A)   I have reviewed the activities and performance of the Servicer during the
       preceding fiscal year under the terms of the Servicing  Agreement,  Trust
       Agreement,  Pooling and Servicing Agreement and/or  Seller/Servicer Guide
       and to the best of these Officers' knowledge,  the Servicer has fulfilled
       all of its duties, responsibilities or obligations under these Agreements
       throughout  such  year,  or if there has been a default or failure of the
       servicer to perform any of such duties,  responsibilities or obligations,
       a  description  of each  default  or  failure  and the  nature and status
       thereof has been reported to Wells Fargo Bank Minnesota, N.A.;

 (B)   I have confirmed that the Servicer is currently an approved FNMA or FHLMC
       servicer in good standing;

 (C)   I have confirmed that the Fidelity Bond, the Errors and Omissions
       Insurance Policy and any other bonds required under the terms of the
       Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement
       and/or Seller/Servicer Guide are in full force and effect;

 (D)   All premiums for each Hazard Insurance Policy, Flood Insurance Policy (if
       applicable) and Primary Mortgage Insurance Policy (if applicable), with
       respect to each Mortgaged Property, have been paid and that all such
       insurance policies are in full force and effect;

 (E)   All real estate taxes, governmental assessments and any other expenses
       accrued and due, that if not paid could result in a lien or encumbrance
       on any Mortgaged Property, have been paid, or if any such costs or
       expenses have not been paid with respect to any Mortgaged Property, the
       reason for the non-payment has been reported to Wells Fargo Bank
       Minnesota, N.A.;

 (F)   All Custodial Accounts have been reconciled and are properly funded; and

 (G)   All annual reports of Foreclosure and Abandonment of Mortgage Property
       required per section 6050H, 6050J and 6050P of the Internal Revenue Code,
       respectively, have been prepared and filed.



    Certified By:

    Officer

    Vice President
    Title

    March 30, 2001
    Date



EX-99.3 (o)

    DOWNEY SAVINGS   (logo)

    Wells Fargo Bank Minnesota, N.A.
    11000 Broken Land Parkway
    Columbia, MD 21044-3562
    Attention: Master Servicing

    RE: Officers Certificate

    Dear Master Servicer:

    The undersigned officer certifies the following for the 2000 fiscal year:

(A)   I have reviewed the activities and performance of the Servicer during the
      preceding fiscal year under the terms of the Servicing Agreement, Trust
      Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide
      and to the best of these officers knowledge, the Servicer has fulfilled
      all of its duties, responsibilities or obligations under these Agreements
      throughout such year, or if there has been a default or failure of the
      Servicer to perform any of such duties, responsibilities or obligations, a
      description of each default or failure and the nature and status thereof
      has been reported to Wells Fargo Bank Minnesota, N.A.;

(B)   I have confirmed that the Servicer is currently an approved FNMA or FHLMC
      servicer in good standing:

(C)   I have confirmed that the Fidelity Bond, the Errors and Omissions
      Insurance Policy and any other bonds required under the terms of the
      Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement
      and/or Seller/Servicer Guide are in full force and effect.

(D)   All premiums for each Hazard Insurance Policy, Flood Insurance Policy (if
      applicable) and Primary Mortgage Insurance Policy (if applicable) with
      respect to each Mortgaged Property, have been paid and that all such
      insurance policies are in full force and effect.

(E)   All real estate taxes, governmental assessments and any other expenses
      accrued and due, that if not paid could result in a lien or encumbrance on
      any Mortgage Property, have been paid, or if any such costs or expenses
      have not been paid with respect to any Mortgaged Property, the reason for
      the non-payment has been reported to Norwest Bank Minnesota, N.A.;

(F)   All custodial Accounts have been reconciled and properly funded; and

(G)   All annual reports or Foreclosure and Abandonment of Mortgage Property
      required per section 6050H, 6050J and 6050P of the Internal Revenue Code,
      respectively, have been prepared and filed.

Certified

Title

Date


DOWNEY SAVING AND LOAN ASSOCIATION, F.A.
Corporate Headquarters:  3501 Jamboree Road
P.O. Box 6000 - Newport Beach, California 92658-949/854-3100