ERNST & YOUNG
1300 Huntington Building
925 Euclid Avenue
Cleveland, Ohio 44115


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
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
servicing standards identified in Exhibit A to the
Report of Management (the specific minimum servicing standards)
as set forth in the Mortgage Bankers Association of America's
Uniform Single Attestation Program for Mortgage Bankers (USAP)
during the year ended December 31, 2003.  Management is
responsible for NCM's compliance with the specified minimum
servicing standards.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 attestation 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, 2003, is fairly stated, in  all material
respects.

February 25, 2004

/s/ Ernst and Young LLP



National City Mortgage Co.
3252 Newmaric Drive
Miamisburg, Ohio 45342
Telephone (937) 910-120Q


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

Report of Management

We, as members of management of Nationai City Mortgage Co. (NCM), are
responsible for complying with the minimum servicing standards
identified in the attached Exhibit A (the specified minimum
servicing standards) as set forth in the Mortgage Bankers Association
of America's Unjform Single Attestation Program for Mortgage
Bankers (USAP). We are also responsible for establishing and
maintaining effective internal control over compliance with these
minimum servicing standards. We have performed an
evaluation of NCM's compliance with the minimum servicing standards
as of December 31, 2003 and for the year then ended. Based on
this evaluation, we assert that during the year ended
December 31, 2003, NCM complied, in all material
respects, with the minimum servicing standards set forth
in the USAP.

As of December 31, 2003 and for the year then ended, NCM had
in effect a fidelity bond policy in the amount of
$200 million and an errors and omissions policy in tbe amount of $200
million.


/s/ Steven M. Scheid,
Steven M. Scheid
Senior Vice President

February 25, 2004

Exhibit A
Specified Minimum Servicing Standards


I. Custodial Bank Accounts
1.Reconciliations shall be prepared on a monthly
basis for all custodial bank accounts and related
bank clearing accounts. These reconciliations shall:
a. be mathematically accurate;
b. be prepared within forty-five(45) calendar days
after cutoff date. the cutoff date is the date as of
which  a bank account is reconciled every month. It
may, or may not, coincide with a prescribed investor
reporting date but shall be consistent from period to
period.
c. be reviewed and approved by someone other than the person
who prepared the reconciliation; and
d. document explanations for reconciling items. These
reconciling items shall be resolved within ninety (90)
calendar days of their original identification.

2. Funds of the servicing entity shall be advanced
in cases where there is an overdraft in an investor's
or mortgagor's account.

3. Each custodial account shall be maintained at
a federally insured depository institution in trust
for the applicable investor.

4. Escrow funds held in trust for a mortgagor shall
be returned to the mortgagor within thirty (30) calendar
days of payoff of the mortgage loan.

II. Mortgage Payments
1. Mortgage payments shall be deposited into the custodial
bank accounts and related bank clearing accounts within
two (2) business days of receipt.

2. Mortgage payments made in accordance with the
mortgagor's loan documents shall be posted to the
applicable mortgagor records within two (2) business
days of receipt.

3. Mortgage payments shall be allocated to
principal, interest, insurance, taxes or other
escrow items in accordance with the mortgagor's
loan documents.

4. Mortgage payments identified as loan payoffs
shall be allocated in accordance with the
mortgagor's loan documents.


III Disbursements

1. Disbursements made via wire transfer on behalf
of a mortgagor or investor shall be made only by
authorized personnel.

2. Disbusements made on behalf of a mortgagor
or investor shall be posted within two (2) business
days to the mortgagor's or investors records
maintained by the servicing entity.

3. Tax and insurance payments shall be made on or
before the penalty or insurance policy expiration
dates, as indicated on tax bills and insurance
premium notices, respectively, provided that such
support has been received by the servicing
entity at least thirty (30) calendar days prior to these
dates.

4. Any late payment penalties paid in conjunction with
the payment of any tax bill or insurance premium
notice shall be paid from the servicing entity's
funds and not charged to the mortgagor, unless the
late payment was due to the mortgagor's error or
omission.

5. Amounts remitted to investors per the servicer's
investor reports shall agree with cancelled checks,
or other form of payment, or custodial bank statements.

6. Unissued checks shall be safeguarded so as to
prevent unauthorized access.

IV. Investor Accounting and Reporting

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

V. Mortgagor Loan Accounting

1. The servicing entity's mortgage loan records shall
agree with, or reconcile to, the records of mortgagors
with respect to the unpaid principal balance on a
monthly basis

2. Adjustments on ARM loans shall be computed
based on the related mortgage noteand any ARM
rider.

3. Escrow accounts shall be analyzed, in accordance
With the mortgagor Loan documents,on at least
an annual basis.

4. Interest on escrow accounts shall be paid, or credited,
to mortgagors in accordance with the applicable state
laws

VI, Delinquencies

1.Records documenting collection efforts shall be
maintained during the period a loan is in default and
shall be updated at least monthly. Such records shall
describe the entity's activities in monitoring delinquent
loans including, for example, phone calls, letters and
mortgage payment rescheduling plans in cases where the
delinquency is deemed temporary (i.e., illness or
unemployment).

VII. Insurance Policies

1. A fidelity bond and errors and omissions policy shall
be in effect on the servicing entity throughout the
reporting period in the amount of coverage represented
to investors in management's assertion.