Ex-99.1 a)

Price Waterhouse Coopers


                                                     Pricewaterhouse Coopers LLP
                                                             214 N. Bryon Street
                                                                        Ste 3600
                                                             Charlotte, NC 26202
                                                       Telephone: (704) 344-7500
                                                       Facsimile: (704) 344-4100




                        Report of Independent Accountants

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

We have examined management's assertion about compliance by the mortgage
division of Bank of America, N.A. (the "Company"), an operating division of Bank
of America, N.A., 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, 2003
included in the accompanying management assertion (see Exhibit 1). 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.

In our opinion, management's assertion that the Company complied with the
aforementioned minimum servicing standards as of and for the year ended December
31, 2003 is fairly stated, in all material respects.



March 2, 2004

/s/ Price Waterhouse Coopers LLP



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Ex-99.1 b)

                         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, 2003 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, 2003 is fairly stated, in all material respects.

This report is intended solely for the information and use of the Company,
investors in loans serviced by the Company and their independent auditors for
their evaluation of the Company's compliance with applicable servicing
agreements, and is not intended to be and should not be distributed to or used
by anyone other than these specified parties.

/s/ Deloitte & Touche

February 23, 2004

Ex-99.1 c)

                                                     PRICEWATERHOUSE COOPERS LLP
                                                     1177 Avenue of the Americas
                                                     New York NY 10036
                                                     Telephone (646) 471 4000
                                                     Facsimile (813) 286 6000


                         REPORT OF INDEPENDENT AUDITORS


To the Board of Directors and Stockholder
of Chase Manhattan Mortgage Corporation:

We have examined management's assertion about Chase Manhattan Corporation's (the
"Company") compliance with the minimum servicing standards identified in the
Mortgage Bankers Association of America's



                                      -11-
<PAGE>

Uniform Single Attestation Program for Mortgage Bankers ("USAP") as of and for
the year ended December 31, 2003 included in the accompanying management
assertion (see Exhibit I). The Company performs loan subservicing functions for
the residential loan servicing portfolio of its affiliate, Chase Mortgage
Company West. 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 the 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 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 the Company complied with the
aforementioned minimum servicing standards as of and for the year ended December
31, 2003 is fairly stated, in all material respects.

/s/ PricewaterHouse Coopers LLP



March 3, 2004

Ex-99.1 d)

KPMG LLP
Suite 900
10 South Broadway
St. Louis, MO 63102-1761



                         Independent Accountants' Report

The Board of Directors
CitiMortgage, Inc.:

We have examined management's assertion, included in the accompanying management
assertion, that CitiMortgage, Inc. and subsidiaries and CitiMortgage Asset
Management, Inc. (collectively referred to as 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, 2003. 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



                                      -12-
<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 the Company complied with the
aforementioned minimum servicing standards during the year ended December 31,
2003 is fairly stated, in all material respects.



/s/ KPMG LLP

St. Louis, Missouri
March 5, 2004



Ex-99.1 e)

ERNST & YOUNG


                 REPORT ON MANAGEMENT'S ASSERTION ON COMPLIANCE
         WITH THE SPECIFIED MINIMUM SERVICING STANDARDS SET FORTH IN THE
             UNIFORM SINGLE ATTESTATION PROGRAM FOR MORTGAGE BANKERS



                        REPORT OF INDEPENDENT ACCOUNTANTS



Board of Directors
Dovenmuehle Mortgage, Inc.

We have examined management's assertion, included in the accompanying report
titled REPORT OF MANAGEMENT, that except for the minimum servicing standard for
servicer advances that does not apply, 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, 2003. 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 except for the minimum servicing
standard for servicer advances that does not apply, DMI complied with the
aforementioned requirements during the year ended December 31, 2003, is fairly
stated, in all material respects.




/s/ Ernst & Young LLP


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<PAGE>

Ex-99.1 f)

------------------------------------------------------ -------------------------
Deloitte                                               Deloitte & Touche LLP
                                                       Suite 2801
                                                       One Independent Drive
                                                       Jacksonville,          FL
                                                       32202-5034
                                                       USA

                                                       Tel: + 1 904 665 1400
                                                       Fax: + 1 904 665 1600
                                                       www.deloitte.com

------------------------------------------------------ -------------------------


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


To the Board of Directors
EverHome Mortgage Company:

We have examined management's assertion about EverHome Mortgage Company's (the
"Company") (formerly 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, 2003 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 the Company complied with the
aforementioned minimum servicing standards as of and for the year ended December
31, 2003 is fairly stated, in all material respects.


/s/ Deloitte & Touche LLP

February 25, 2004

Ex-99.1 g)


                         REPORT OF INDEPENDENT AUDITORS

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




                                      -14-
<PAGE>

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, 2003 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, 2003 is
fairly stated, in all material respects.


March 24, 20114

/s/ PricewaterhouseCooper LLP

Ex-99.1 h)

DELOITTE


INDEPENDENT ACCOUNTANTS' REPORT



Board of Directors
Washington Mutual Bank, FA and Subsidiaries

We have examined management's assertion that Washington Mutual Bank, FA and
subsidiaries (the "Company") has complied as of and for the year ended December
31, 2003, with its established minimum servicing standards for single family
residential mortgages identified in the accompanying Management's Assertion,
dated February 16, 2004. 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 its 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 its minimum
servicing standards.



                                      -15-
<PAGE>

In our opinion, management's assertion that the Company complied with the
aforementioned minimum servicing standards as of and for the year ended December
31, 2003, is fairly stated, in all material respects, based on the criteria set
forth in Appendix I.


/s/ Deloitte & Touche LLP
February 16, 2004

Ex-99.1 i)


KPMG LLP
2500 Ruan Center
665 Grand Avenue
Des Moines, IA 50309


                         INDEPENDENT ACCOUNTANTS' REPORT

The Board of Directors
Wells Fargo Home Mortgage, Inc.:

We have examined management's assertion dated February 25, 2004 that Wells Fargo
Home Mortgage, Inc. (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 (USAP) as of and for the year ended
December 31, 2003. 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 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 the Company complied with the
aforementioned minimum servicing standards as of and for the year ended December
31, 2003, is fairly stated, in all material respects.

/s/ KPMG LLP

February 25, 2004




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