Exhibit 99.2
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                                      15
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                                                            [Logo]
                                                            GRANT THORNTON LLP


               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 Financial Corporation

We have examined management's assertion about Countrywide Financial
Corporation (formerly Countrywide Credit Industries, Inc.) and Subsidiaries'
(including its wholly-owned subsidiary, Countrywide Home Loans, Inc. ("CHL")
and Countrywide Home Loans Servicing, L.P., a wholly-owned subsidiary of CHL)
("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,
2002 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 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 Financial Corporation
and Subsidiaries (including its wholly-owned subsidiary, Countrywide Home
Loans, Inc., and Countrywide Home Loans Servicing, L.P., a wholly-owned
subsidiary of CHL) complied with the aforementioned minimum servicing
standards as of and for the year ended December 31, 2002 is fairly stated, in
all material aspects, except as disclosed in the attached Schedule of
Findings.


/s/ GRANT THORNTON LLP

Los Angeles, California
February 28, 2003

Suite 300
1000 Wilshire Blvd.
Los Angeles, CA 90017-2464
T  213.627.1717
F  213.624.6793
W  www.grantthornton.com

Grant Thornton LLP
US Member of Grant Thornton International


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                       Countrywide Financial Corporation

                             SCHEDULE OF FINDINGS

                               December 31, 2002

Statement of Condition:
----------------------

Interest on payoffs for four (4) states was not properly credited to the
mortgagor per the respective state laws due to a programming error that was
not correctly identifying when the Company should be paying, or crediting, the
mortgagor.

Criteria:
--------

The Uniform Single Attestation Program for Mortgage Bankers, Section V, Item
4, requires that interest on escrow accounts shall be paid, or credited, to
mortgagors in accordance with the applicable state laws.

Effect:
------

The Company was not properly paying, or crediting, the mortgagors for interest
on payoffs during the year ended 2002.

Recommendation:
--------------

The Company should identify all borrowers who are affected and refund the
interest immediately. The Company should also remedy the programming error so
that the system will properly identify when the mortgagor should be paid, or
credited, for the interest on payoffs.

Corrective Action Plan:
----------------------

The Company investigated this matter and identified the programming error. The
programming error was corrected as of February 10, 2003. The Company
identified all mortgagors affected and will send a refund to each customer
that would have received a refund at payoff had the error not occurred. The
Company expects payment to the mortgagors to occur by April 30, 2003. The
Company's Legal Department is also revalidating the interest on escrow rules
for all states. The Company's Internal Audit Department will be performing
testing in this area to ensure proper interest credit to mortgagors where
applicable.

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                                                             4500 Park Granada
                                              Calabasas, California 91302-1613
                                                                (818) 225-3000

Thomas K. McLaughlin
Managing Director
Chief Financial Officer


February 28, 2003

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


Gentlemen,

As of and for the year ended December 31, 2002, Countrywide Financial
Corporation (formerly Countrywide Credit Industries, Inc.,) and Subsidiaries
(which includes its wholly-owned subsidiary, Countrywide Home Loans, Inc.
("CHL"), and Countrywide Home Loans Servicing, L.P., a wholly owned subsidiary
of CHL) ("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, except as disclosed in the
attached Schedule of Findings to the report. As of and for this same period,
the Company had in effect a fidelity bond and errors and omissions policy in
the amount of $215 million and $240 million, respectively.

The Company investigated the matter noted in the Schedule of Findings and
identified a programming error. The programming error was corrected as of
February 10, 2003. The Company identified all mortgagors affected and will
send a refund to each customer that would have received a refund at payoff had
the error not occurred. The Company expects payment to the mortgagors to occur
by April 30, 2003. The Company's Legal Department is also revalidating the
interest on escrow rules for all states. The Company's Internal Audit
Department will be performing testing in this area to ensure proper interest
credit to mortgagors where applicable.

Sincerely,

/s/ Thomas K. McLaughlin
------------------------
Thomas K. McLaughlin
Senior Managing Director and
Chief Financial Officer