<PAGE>


                                   EXHIBIT 20

                              OFFICER'S CERTIFICATE
                        ANNUAL STATEMENT AS TO COMPLIANCE

            I, Arthur Q. Lyon, Senior Vice President and Chief Financial
Officer of The Money Store Inc., a New Jersey Corporation (the "Company" and the
"Claims Administrator"), do hereby certify that:

            Under the terms of the Pooling and Servicing Agreement dated as of
            February 28, 2001 (the "Agreement") with respect to the HomEq
            Residential Trust 2001-I HomEq Asset Backed Certificates, Series
            2001-I: (i) the Company has generally complied with the provisions
            of Article V and VII and the Claims Administrator has generally
            complied with Section 5.15, (ii) a review of the activities of the
            Company and the Claims Administrator during the preceding calendar
            year and of their respective performance under the Agreement has
            been made under my supervision, and (iii) to the best of my
            knowledge, based on such review, the Company has fulfilled, in all
            material respects, its obligations under the Agreement throughout
            such year. The Company shall continue to audit and monitor its
            servicing procedures and reports and, if any material variations are
            found, shall amend such reports.


            The Company has provided this Officer's Certificate to those parties
listed in Section 7.04 of the Agreements.

            IN WITNESS WHEREOF, the undersigned has executed this Certificate as
of March 29th, 2002.



                                 /s/ Arthur Q. Lyon
                                 Arthur Q. Lyon
                                 Senior Vice President
                                 And Chief Financial Officer


<PAGE>



                              OFFICER'S CERTIFICATE
                        ANNUAL STATEMENT AS TO COMPLIANCE

            I, Arthur Q. Lyon, Chief Financial Officer of The Money Store Inc.,
a New Jersey Corporation (the "Company"), do hereby certify that:

            As servicer under the Sale and Servicing Agreement dated as of
February 28, 1998 (the "Agreement") with respect to The Money Store Residential
Trust 1998-I; (i) the Company has generally complied with the provisions of
Article IV and V and the Claims Administrator has fully complied with Section
4.15, (ii) a review of the activities of the Company and the Claims
Administrator during the preceding calendar year and of performance under the
Agreement has been made under my supervision, and (iii) to the best of my
knowledge, based on such review, the Company has fulfilled, in all material
respects, its obligations under the Agreement throughout such year. The Company
shall continue to audit and monitor its servicing procedures and reports and, if
any material variations are found, shall amend such reports.



            The Company has provided this Officer's Certificate to those parties
listed in Section 5.04 of the Agreements.

            IN WITNESS WHEREOF, the undersigned has executed this Certificate as
of April 16, 2001.




                                                    ----------------------------
                                                    Arthur Q. Lyon
                                                    Chief Financial Officer




<PAGE>





                             MANAGEMENT'S ASSERTION


As of and for the year ended December 31, 2001, HomEq Servicing Corporation (the
Company) complied in all material respects with the minimum servicing standards
relating to its servicing of home equity and home improvement loans, set forth
in the Mortgage Bankers Association of America's Uniform Single Attestation
Program for Mortgage Bankers..

As of and for the year ended December 31, 2001, the Company had in effect
fidelity bond and errors and omissions policies in the amounts of $200 million
and $20 million, respectively.



               /s/  Arthur Q. Lyon                              March 27, 2002
 -------------------------------------------------              --------------
               Arthur Q. Lyon                                       Date
             Chief Financial Officer
               The Money Store Inc.



               /s/  Keith G. Becher                             March 27, 2002
 --------------------------------------------------             --------------
                Keith G. Becher                                     Date
             Chief Operating Officer
           HomEq Servicing Corporation







            707 3rd Street - West Sacramento, CA 95605 - 916/617-2001