Ex-99.1 a)

                         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 b)


                       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
IndyMac Bank, F.S.B.



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<PAGE>

We have examined management's assertion, included in the accompanying report
titled REPORT OF MANAGEMENT, that IndyMac Bank, F.S.B. (the Bank) complied with
the servicing standards identified in Exhibit A to the REPORT OF MANAGEMENT (the
"specified minimum servicing standards") as 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
the Bank's compliance with those specified minimum servicing standards. Our
responsibility is to express an opinion on management's assertion about the
Bank'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 Bank's compliance with the
specified 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 Bank's compliance with the specified minimum
servicing standards.

In our opinion, management's assertion that the Bank complied with the
aforementioned specified minimum servicing standards during the year ended
December 31, 2003, is fairly stated, in all material respects.


/s/ Ernst & Young LLP


January 23, 2004





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