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Bank of America

Bank of America Corporation
100 North Tryon Street
Charlotte, NC 28255

Tel 704.386.5000

Exhibit I


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

March 12, 1999

As of and for the year ended  December 31, 1998,  except as  specifically  noted
below, NationsBanc Mortgage Corporation (the "Company"), a wholly-owned indirect
subsidiary of BankAmerica  Corporation (the "Corporation"),  has complied in all
material respects with the minimum servicing  standards (the  "Standard(s)") set
forth  in  the  Mortgage  Bankers   Association  of  America's   Uniform  Single
Attestation  Program  for  Mortgage  Bankers  ("USAP").  During  the year  ended
December 31, 1998,  the  Company's  Louisville,  Kentucky  servicing  operations
continued to experience  significant  changes as a result of the  acquisition of
Boatmen's National Mortgage,  Inc.  ("Boatmen's") in 1997. As a result,  certain
instances of noncompliance with the Standards  occurred.  Except as specifically
noted,  the  following   instances  of  noncompliance  have  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.

Certain  reconciling  items which arose during the year ended December 31, 1998,
primarily  occurring  in  custodial  accounts  related  to certain  real  estate
mortgage  investment  conduits  acquired  from  Boatmen's   (collectively,   the
"REMIC's"), were not always cleared within 90 days of identification. Management
has taken  appropriate  measures  and has  continued to follow an action plan to
resolve all  outstanding  reconciling  items  which arose  during the year ended
December 31, 1998. All significant reconciling items which arose from January 1,
1998 through  December 31, 1998 have been  isolated and reviewed by the Company,
and the  Company  believes  these  items will not have a material  impact on the
status of any custodial accounts.

Standard: The servicing entity's investor reports shall agree with, or reconcile
to,  investor's  records  on a monthly  basis as to the total  unpaid  principal
balance and number of loans serviced by the servicing entity.

For a selection  of  securitized  loan  portfolios,  primarily  the REMICs,  the
Company's  investor  reports  did not agree  with the  investor's  records  on a
monthly  basis at one or more times  during the year ended  December  31,  1998.
Management  has isolated these  differences  and  acknowledges  that some of the
differences were due to events and circumstances  outside the Company's control.
Management  has  implemented  an action plan and is  continuing to resolve these
differences with the REMIC investors.

Management has taken definitive actions and implemented  procedures and controls
to address and correct the  instances of  noncompliance  which  occurred  during
1998.

As of and for the year ended December 31, 1998, NationsBanc Mortgage Corporation
was covered by the Corporation's  fidelity bond insurance  coverage and mortgage
servicing errors and omissions insurance coverage in the amounts of $249,900,000
and $250,000,000, respectively.

Andrew D. Woodward, Jr.
President
NationsBanc Mortgage Corporation

J. Mark Hanson
Vice President and
Servicing Director
NationsBanc Mortgage Corporation

Denise C. Sawyer
Executive Vice President and
Chief Financial Officer
NationsBanc Mortgage Corporation

H. Randall Chestnut
Senior Vice President and Servicing Director
NationsBanc Mortgage Corporation

Gary K. Bettin
Senior Vice President and
Director of Mortgage Operations
NationsBanc Mortgage Corporation