**Exhibit15(a)(l)(ii)**

 

[KPMG LOGO]

 

KPMG LLP

Suite 2300

401 South Tryon Street

Three First Union Center

Charlotte, NC 28202-1911

 

 

**Independent Accountants’ Report**

 

 

The Board of Directors

Wachovia Bank NationalAssociation:

 

We have examinedmanagement’s assertion, included in the accompanying report, that theCommercial Real Estate Servicing Division of Wachovia Bank National Association(the Bank) complied with the minimum servicing standards set forth in theMortgage Bankers Association of America’s (“MBA’s”) *Uniform Single Attestation Program for Mortgage Bankers,*exceptfor minimum servicing standards V.4 and VI.1, which the MBA has interpreted asbeing inapplicable to the servicing of commercial and multifamily loans, as ofand for the year ended December 31, 2003. Management is responsible for theBank’s compliance with those minimum servicing standards. Our responsibility isto express an opinion on management’s assertion about the Bank’s compliancebased on our examination.

 

Our examination was conductedin accordance with attestation standards established by the American Instituteof Certified Public Accountants and, accordingly, included examining, on a testbasis, evidence about the Bank’s compliance with the minimum servicingstandards specified above and performing such other procedures as we considerednecessary in the circumstances. We believe that our examination provides areasonable basis for our opinion. Our examination does not provide a legaldetermination on the Bank’s compliance with the minimum servicing standards.

 

In our opinion, management’sassertion that the Bank has complied with the aforementioned minimum servicingstandards as of and for the year ended December 31, 2003 is fairly stated, inall material respects.

 
|           | **/s/ KPMG LLP** |   |
|----------------|------------------|--------|
|           |
| March 10, 2004 |

 

[KPMG LOGO]

 

KPMG LLP a U.S. limitedliability partnership, to the U.S.member firm of KPMG International, a Swiss cooperative

 

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WachoviaSecurities8739 Research Drive, URP4Charlotte, NC 28288

 

**WACHOVIA SECURITIES**

 

Management Assertion

 

As of and for the year endedDecember 31, 2003, the Commercial Real Estate Servicing Division of WachoviaBank National Association (the Bank) has complied in all material respects withthe minimum servicing standards set forth in the Mortgage Bankers Associationof America’s (MBA’s) *Uniform SingleAttestation Program for Mortgage Bankers,*except for minimumservicing standards V.4. and VI.1., which the MBA has interpreted as beinginapplicable to the servicing of commercial and multifamily loans. As of andfor this same period, the Bank had in effect a fidelity bond and errors andomissions policy in the amount of $200 million and $20 million, respectively.

 

 
| /s/ Alan  Kronovet      |   | 3/10/04 |   |
|-------------------------|--------|---------|--------|
| Alan Kronovet           |   | Date    |   |
| Director/Vice President |   |    |
| Wachovia National Bank  |   |    |
|                         |        |         |        |  |

 

 
| /s/ Steven Johnson      |   | 3/10/04 |   |
|-------------------------|--------|---------|--------|
| Steven  Johnson         |   | Date    |   |
| Director                |   |    |
| Wachovia  National Bank |   |    |
|                         |        |         |        |  |

 

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