Ex-99.1 a)

                       INDEPENDENT ACCOUNTANTS' REPORT ON
                  MANAGEMENT'S ASSERTION ABOUT COMPLIANCE WITH
                 UNIFORM SINGLE ATTESTATION PROGRAM REQUIREMENTS

To the Board of Directors
Alliance Mortgage Company:

We have examined management's assertion about Alliance Mortgage Company's and
subsidiaries ("Alliance Mortgage 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 Alliance Mortgage 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 attestation standards established by
the American Institute of Certified Public Accountants and, accordingly,
included examining, on a test basis, evidence about Alliance Mortgage 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 Alliance Mortgage Company's compliance with
the minimum servicing standards.

In our opinion, management's assertion that Alliance Mortgage Company complied
with the aforementioned minimum servicing standards as of and for the year ended
December 31, 2002 is fairly stated, in all material respects.

/s/ Deloitte & Touche LLP

March 21, 2003


Ex-99.1 b)


PRICEWATERHOUSECOOPERS



                        REPORT OF INDEPENDENT ACCOUNTANTS



To the Board of Directors and Shareholder
of Bank of America, N.A.


<PAGE>

We have examined management's assertion about compliance by BA Mortgage, LLC and
the Mortgage division of Bank of America, N.A. (collectively, the "Company"),
which together comprise an operating division of Bank of America, N.A., with the
minimum servicing standards (the "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 (see Exhibit 1). Management is responsible for
the Company's compliance with the Standards. Our responsibility is to express an
opinion on management's assertion about the Company'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
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 Standards.

In our opinion, management's assertion that the Company complied with the
aforementioned Standards as of and for the year ended December 31, 2002 is
fairly stated, in all material respects.



/s/ PriceWaterhouseCooper

March 7, 2003

Ex-99.1 c)

INDEPENDENT ACCOUNTANTS' REPORT

To Cendant Mortgage Corporation:

We have examined management's assertion about Cendant Mortgage Corporation's
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 Cendant
Mortgage Corporation'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 Cendant Mortgage Corporation'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 Cendant Mortgage Corporation's compliance
with the minimum servicing standards.

In our opinion, management's assertion that Cendant Mortgage Corporation
complied with the aforementioned minimum servicing standards as of and for the
year ended December 31, 2002 is fairly stated, in all material respects.


<PAGE>

/s/ Deloitte & Touche LLP

February 21, 2003

Ex-99.1 d)

                        Report of Independent Accountants

To the Board of Directors and Stockholder
of Chase Mortgage Company:

We have examined management's assertion about Chase Mortgage Company's (the
"Company") compliance with the minimum servicing, standards ("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 (see Exhibit
I). The Company's residential loan portfolio is subserviced by an affiliate,
Chase Manhattan Mortgage Corporation. 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 attestation 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 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 standards.

In our opinion, management's assertion that the Company complied with the
aforementioned standards as of and for the year ended December 31, 2002 is
fairly stated, in all material respects.

/s/ PricewaterhouseCoopers LLP

March 19, 2003



Ex-99.1 e)

                 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
Dovenmuehle Mortgage, Inc.


<PAGE>

We have examined management's assertion, included in the accompanying report
titled REPORT OF MANAGEMENT, that Dovenmuehle Mortgage, Inc. (DMI) complied with
the minimum servicing standards set forth in the Mortgage Bankers Association of
America's UNIFORM SINGLE ATTESTATION PROGRAM FOR MORTGAGE BANKERS (USAP) during
the year ended December 31, 2002. Management is responsible for DMI's compliance
with those requirements. Our responsibility is to express an opinion on
management's assertions about DMI'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 DMI'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 DMI's
compliance with specified requirements.

In our opinion, management's assertion, that DMI complied with the
aforementioned requirements during the year ended December 31, 2002, is fairly
stated, in all material respects.

This report is intended solely for the information and use of the board of
directors, management, Federal Home Loan Mortgage Corporation, Federal National
Mortgage Association, Government National Mortgage Association, and DMI's
private investors and is not intended to be and should not be used by anyone
other than these specified parties.

/s/ PricewaterhousCoopers LLP



February 28, 2003



Ex-99.1 f)

[KPMG logo and address]

                         Independent Accountant's Report
                         -------------------------------

The Board of Directors
First Nationwide Mortgage Corporation:

We have examined management's assertions, included in the accompanying
management assertion report dated January 21, 2003, that First Nationwide
Mortgage Corporation (the Company) complied with the minimum servicing standards
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, 2002. 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 Company's compliance based on our examination.

Our examination was conducted in accordance with attestation 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 specified above and performing
such other



<PAGE>

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 First Nationwide Mortgage
Corporation complied with the aforementioned minimum standards during the year
ended December 31, 2002 is fairly stated, in all material respects.



/s/ KPMG LLP

January 21, 2003



Ex-99.1 g)

                        REPORT OF INDEPENDENT ACCOUNTANTS

To the Board of Directors and Stockholder
of GMAC Mortgage Corporation:

We have examined management's assertion about GMAC Mortgage Corporation and its
subsidiaries' (the "Company") compliance with the minimum servicing standards
("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 (see Exhibit I). 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
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 standards.

In our opinion, management's assertion that the Company complied with the
aforementioned standards as of and for the year ended December 31, 2002 is
fairly stated, in all material respects.



/s/ PricewaterhouseCoopers LLP



March 7, 2003



<PAGE>

Ex-99.1 h)

DELOITTE
&TOUCHE

                       INDEPENDENT ACCOUNTANTS' REPORT ON
                   COMPLIANCE WITH UNIFORM SINGLE ATTESTATION
                          program FOR MORTGAGE BANKERS

Board of Directors
Washington Mutual, Inc.

We have examined management's assertion about Washington Mutual, Inc. and
subsidiaries' (the company) compliance with the minimum servicing standards
identified in the Mortgage Bankers Association of America's UNIFORM SINGLE
ATTESTATION PROGRAM FOR MORTGAGE BANKERS 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
Company'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.

Its our opinion, management's assertion that the Company complied with the
aforementioned minimum servicing standards :1 Ls of and for the year ended
December 31, 2002, is fairly stated, in all material respects.

/s/ Deloitte & Touche LLP

February 18, 2003



Ex-99.1 i)

KPMG  (logo)

2500 Ruan Center
666 Grand Avenue
Des Moines, IA 50309

INDEPENDENT ACCOUNTANTS' REPORT

The Board of Directors
Wells Fargo Home Mortgage:

We have examined management's assertion dated February 25, 2003 that Wells



<PAGE>

Fargo Home Mortgage complied with the minimum servicing standards set forth 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.
Management is responsible for Wells Fargo Home Mortgage's compliance with those
minimum standards. Our responsibility is to express an opinion on management's
assertion about Wells Fargo Home Mortgage's compliance based on our examination.

Our examination was conducted in accordance with attestation standards
established by the American Institute of Certified Public Accountants and,
accordingly, included examining, on a test basis, evidence about Wells Fargo
Home Mortgage's compliance with the minimum servicing standards specified above
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 Wells
Fargo Home Mortgage's compliance with the minimum servicing standards.

In our opinion, management's assertion that Wells Fargo Home Mortgage complied
with the aforementioned minimum servicing standard as of and for the year ended
December 31, 2002, is fairly stated, in all material respects.

/s/ KPMG LLP

February 25, 2003