Ex-99.3 a)

                          ANNUAL OFFICER CERTIFICATION

In accordance with the Servicing Agreement, I, the undersigned, hereby certify
         as to each Mortgage Loan being serviced by Bank of America, N.A. the
         following:

I am a duly authorized officer of Bank of America, N.A. and am empowered and
         authorized to issue this Annual Certification,

All taxes, ground rents and assessments for the Mortgages covered herein have
         been paid.

All insurance premiums for flood or other casualty insurance, and FHA premiums
         or Private Mortgage premiums on conventional loans have been paid and
         are in full force.

Interest is being paid on escrow in accordance with any laws, regulations, or
         contracts that require payment of interest on mortgagors' escrow
         deposit accounts.

Analysis has been made to ensure sufficient money was collected in the escrow
         year.

All required interest rate and/or monthly payment adjustments for ARM loans were
         made in accordance with the mortgage terms, and timely and proper
         notice was provided to the mortgagors.

With respect to FHA Section 221 mortgages that have reached the 20th anniversary
         of their endorsement, we will assign those mortgages that are eligible
         for assignment under HUD's special assignment procedures if requested
         on a loan by loan basis by the investor.

We have complied with the Internal Revenue Service's requirements for reporting
         the receipt of $600 or more of interest payments (IRS 1098) from a
         mortgagor, for filing statements for recipients of miscellaneous income
         (IRS 1099-Misc) to report payments of fees to attorneys for handling
         liquidation proceedings, and for filing notices of acquisition of
         abandonment of secured property (IRS 1099-A) to report the acquisition
         of property by foreclosure or acceptance of a deed-in-lieu or by a
         mortgagor's abandonment of a property.

The Fidelity Bond and Errors and Omissions Coverage has been reviewed. All
         required coverage is in existence and none of our principal officers
         have been removed from coverage.

A viable contingency plan is in place to minimize financial loss and disruptions
         of service to the institution and its customers, as required by federal
         regulations.

         I FURTHER CERTIFY:

A.       To the best of my knowledge and upon reasonable investigation, the
         servicing of the Mortgage loans during the year of 2002 has been
         conducted in compliance with the Agreement except for such exceptions
         as I am setting forth below.

         Exceptions (if any):       None


<PAGE>

B.       A review of activities with respect to performance under the Agreement
         has been made under my supervision and to the best of my knowledge,
         based on such review, no default exists as of 12/31/02 in the
         fulfillment of any obligations under the Agreement other than the
         events of default, if any, which I am listing below with the nature and
         status thereof.

         Events of Default (if any):        None



                                      Bank of America, N.A.



                                      /s/ Robert S. O'Neill
                                      ------------------------------------
                                      Robert S. O'Neill
                                      Investor Services - Kentucky
                                      Senior Vice President



Ex-99.3 b)
                  C E N D A N T
                  MORTGAGE


January 28, 2003



Wells Fargo Bank
Corporate Trust Services
7485 New HorizonWay
Frederick, MD 21703

Attn: Sabrenia Masser

RE:      Officer's Certificate - Annual Statement of Complaince/Foreclosure and
         Abandonment IRS Filings

         SAMI 1998-12; 1999-2; 1998-9

Dear Master Servicer:

1. The undersigned officer certifies the following for Cendant Mortgage Corp.
for the 2002 calendar year. To the best of our knowledge:

2. The activities and performances of the Servicer during the preceding fiscal
year under the terms of the Servicing Agreement, Trust Agreement, Pooling and
Servicing Agreement and/or Servicer Guide and to the best of my knowledge, the
Servicer has fulfilled all of its duties, responsibilities or obligations under
these


<PAGE>

Agreements throughout such year, or if there has been a default or failure of
the Servicer to perform any such duties, responsibilities or obligations, a
description of each default or failure and the nature and status thereof has
been reported to Wells Fargo.

3. The Servicer is currently an approved FNMA or FHLMC Servicer in good
standing;

4. The Fidelity Bond, the Errors and Omissions Insurance Policy and any other
bonds required under the terms of the Servicing Agreement, Trust Agreement,
Pooling and Servicing Agreement and/or Servicer Guide are in full force and
effect;

5. All premiums for each Hazard Insurance Policy, Flood Insurance Policy (if
applicable) and Primary Mortgage Insurance Policy (if applicable), with respect
to each Mortgaged Property, have been paid and that such insurance policies are
in full force and effect;

6. All real estate taxes, governmental assessments and any other expenses
accrued and due, that if not paid could result in a lien or encumbrance on any
Mortgage Property, have been paid, or if any such costs or expenses have been
paid with respect to any Mortgaged Property, the reason for the non-payment has
been reported to Wells Fargo;

7. All Custodial Accounts have been reconciled and are properly funded; and

8. All annual reports of Foreclosure and Abandonment of Mortgaged Property
required per section 6050J and 6050P of the Internal Revenue Code, respectively,
have been prepared and filed.

Certified by:



/s/ Marc J. Hinkle
-------------------------------
Officer - Marc J. Hinkle
Vice President - Loan Servicing
Title

1/28/2003
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Date