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| | ------------
| | Exhibit 99.2

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|Exhibit I
        Managements Assertion Concerning Compliancewith USAP Minimum Servicing Standards
        March 26, 2003
        As of and for the year ended December 31, 2002, The CIT Group/Consumer Finance, Inc. (the Company), a wholly owned subsidiary of CIT Group 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 (USAP) as servicer for trust identified at Attachment 1. During the year ended December 31, 2002, certain instances of noncompliance with the standards occurred as noted below:
        Mortgage Loan Accounting
        Standard:  Adjustments on ARM loans shall be computed based on the related mortgage note and any ARM rider.
        Certain accounts contained incorrect reset dates. The companys existing internal control structure initially identified the affected accounts and management has supplemented its procedures to review adjustments processed. Management does not believe these items have a material impact on the loan records.
        As of and for this same period, CIT Group Inc. had in effect a financial institution bond, computer crime policy, and error and omissions policy in the following amounts:
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|Insurance Type             |        | Coverage |                      | Effective Period    
|-------------------------- | ------ | -------- | -------------------- | --------------------
|                           |        |          |                      |                     
|Financial institution bond |        | $60 mm   |                      | 09/30/98 to 09/15/02
|                           | $60 mm |          | 09/30/02 to 09/30/03
|                          
|Computer crime policy      |        | $60 mm   |                      | 09/30/98 to 09/15/02
|                           | $60 mm |          | 09/30/02 to 09/30/03
|                          
|Errors and omissions       |        | $25 mm   |                      | 12/30/01 to 12/30/02
|                           | $10 mm |          | 12/30/02 to 12/30/03
|                          

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|/s/ Thomas B. Hallman
              Thomas B. Hallman
      President & Chief Executive Officer
      The CIT Group/Consumer Finance, Inc.
|--------------------------------------------------------------------------------------------------------------------------------------------------------------
|                                                                                                                                                              
|/s/ Kenneth P. Reynolds
        Kenneth P. Reynolds
      Senior Vice President, Treasurer
      The CIT Group/Consumer Finance, Inc.     
|                                                                                                                                                              
|/s/ Frank Garcia
        Frank Garcia
      Senior Vice President
      The CIT Group/Consumer Finance, Inc.                              

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