ThirdFederal Savings and Loan

November 26, 2003


Deloitte & Touche LLP
127 Public Square, Suite 2500
Cleveland Ohio 44114-1303

In connection with your examination of our assertion, included in the
Accompanying Appendix A (the "Assertion"), that Third Federal Savings
and Loan Association of Cleveland (the "Company") complied with the minimum
servicing standards identified in the Mortgage Bankers Association of
America's Uniform Single Attestation Program for Mortgage Bankers ("USAP")
during the year ended September 30, 2003, for the purpose of expressing an
opinion as to whether the Assertion is fairly stated, in all material
respects. We confirm, to the best of our knowledge and belief, the following
representations made to you during your examination:

1. We are responsible for complying with the requirements specified in USAP.
2. Based upon our assessment, we believe the Assertion is an accurate
   description of the Company's compliance with USAP requirements and
   insurance policies.
3. We are responsible for compliance with federal, state, and local laws,
   rules and regulations, and provisions of contracts relating to
   the Company's servicing and administration of its mortgage loan portfolio.
   We are also responsible for establishing and maintaining systems of internal
   control over the Company's mortgage loan servicing activities.
4. The Company has made available to you all:
a. Written policies and procedures related to the Company's internal control
   and mortgage loan servicing activities that support our Assertion
b. Documentation related to our Assertion.
4. Minutes of the meetings of stockholders, directors, and committees of
   directors, or summaries of actions of recent meeting for which minutes have
   not been prepared.
e. Reports of examination, supervisory agreements, enforcement actions, and
   other communications of a supervisory nature issued by the Office of Thrift
   Supervision.
5. We have disclosed to you all significant deficiencies in the design or
   operation of the Company's internal control that could adversely affect our
   ability to record, process, summarize, and report financial data
   consistent with the Assertion of management. We do not believe that any of
   these deficiencies are material weaknesses.

APPENDIX A
During the year ended September 30, 2003, Third Federal Savings & Loan
Association of Cleveland has complied in all material respects with the
minimum servicing standards set forth in the Mortgage Bankers Association of
America's Unjform Single Attestation Program for Mortgage Bankers. As of
and for the year ended September 30, 2003, the Company had in effect a
fidelity bond policy in the amount of $10,000,000 and an errors and omissions
policy in the amount of $1,000,000 per occurrence.

6. Mortgage loans handled by the Company on behalf of investors have bean
   properly and legally administered and the accounting and recordkeeping
   related thereto is proper, accurate, arid in accordance with applicable laws.
7. No events have occurred subsequent to September 30, 2003, that require
   consideration in your examination of management's Assertion.


/s/ marc Stefanski
Marc Stefanski
Chairman of the Board and Chief Executive Officer

/s/David Huffman
David Huffman
Chief Financial Officer

/s/Kevin Alexander
Vice-President of Secondary Marketing