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, 2001 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 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 and
subsidiaries complied with the aforementioned minimum servicing standards as of
and for the year ended December 31, 2001 is fairly stated, in all material
respects.

/s/ Deloitte & Touche

March 22, 2002

Ex-99.1 b)


INDEPENDENT ACCOUNTANT'S 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




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ATTESTATION PROGRAM FOR MORTGAGE BANKERS (USAP) as of and for the year ended
December 31, 2001 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, 2001 is fairly stated, in all material respects.

/s/ Deloitte & Touche

February 15, 2002

Ex-99.1 c)

Report of Independent Accountants

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

We have examined management's assertion about Chase Manhattan Mortgage
Corporation'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, 2001 included in the accompanying management
assertion (see Exhibit I). The Company performs loan subservicing functions for
the residential loan servicing portfolios of its affiliates Chase Mortgage
Company and 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 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.


<PAGE>

In our opinion, management's assertion that the Company complied with the
aforementioned standards as of and for the year ended December 31, 2001 is
fairly stated, in all material respects.

/s/ PriceWaterhouseCoopers LLP

March 15, 2002

Ex-99.1 d)


                         INDEPENDENT ACCOUNTANTS' REPORT

The Board of Directors
CitiMortgage, Inc.:

We have examined management's assertion, included in the accompanying management
assertion, that CitiMortgage, Inc. (an indirect wholly-owned subsidiary of
Citigroup Inc.) and subsidiaries' (the Company), complied with the minimum
servicing standards set forth in the Mortgage Bankers Associations of America's
UNIFORM SINGLE ATTESTATION PROGRAM FOR MORTGAGE BANKERS as of and for the year
ended December 31, 2001. 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 during the year ended December 31,
2001 is fairly stated, in all material respects.

/s/ KPMG

March 8, 2002


Ex-99.1 e)

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


<PAGE>

Board of Directors
Countrywide Credit Industries, Inc.

We have examined management's assertion about Countrywide Credit Industries,
Inc. and Subsidiaries (which includes its wholly-owned subsidiary, Countrywide
Home Loans, Inc. ("CHL"), and Countrywide Home Loans Servicing, L.P., a
wholly-owned subsidiary of CHL) ("the 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
ten months ended December 31, 2001 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 is evidence about the Certified Public Accountants and,
accordingly, included examining, on a test basis 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 Countrywide Credit Industries, Inc.
and Subsidiaries (which includes its wholly-owned subsidiary, Countrywide Home
Loans, Inc., and Countrywide Home Loans Servicing, L.P., a wholly- owned
subsidiary of CHL) complied with the aforementioned minimum servicing standards
as of and for the ten months ended December 31, 2001 is fairly stated, in all
material respects.

/s/ Grant Thornton

Los Angeles, California
March 7, 2002

Ex-99.1 f)

INDEPENDENT ACCOUNTANTS' REPORT

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

We have examined the accompanying management assertion that EMC Mortgage
Corporation (the "Company") (a wholly owned subsidiary of The Bear Stearns
Companies Inc.) complied 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 November 30, 2001. Management is


<PAGE>

responsible for the Company's compliance with those requirements. 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 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 November
30, 2001, is fairly stated, in all material respects.

/s/ Deloitte & Touche

January 14, 2002

Ex-99.1 g)

Independent Accountants' Report

The Board of Directors First Union National Bank:

We have examined management's assertion, included in the accompanying
report, that First Union National Bank (the Bank) complied with the minimum
servicing standards set forth in the Mortgage Bankers Association of America's
(MBA's) Uniform Single Attestation Program for Mortgage Bankers, except for
minimum servicing standards I.4, II.1., II.2., II.3., II.4., III.2., III.3.,
III.4., V.2., V.3., V.4., and VI.1., which are performed by the Bank's primary
servicers, as of and for the year ended December 31, 2001. Management is
responsible for the Bank's compliance with those minimum servicing standards.
Our responsibility is to express an opinion on management's assertion about the
Bank's compliance based on our examination. We did not examine the respective
primary servicers' compliance with standards I.4., II.1., II.2., II.3, II.4.,
III.2., III.3., III.4., V.2., V.3., V.4., and VI.1. and, accordingly, do not
express an opinion thereon.

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 Bank's
compliance with the applicable minimum servicing standards specified above and
performing such other procedures as we considered necessary in the



<PAGE>

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 minimum servicing standards.

In our opinion, management's assertion that the Bank has complied with the
aforementioned minimum servicing standards as of and for the year ended December
31, 2001 is fairly stated, in all material respects.

/s/ KPMG

March 6, 2002

Ex-99.1 h)


                        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 ("USAF") as of and for
the year ended December 31, 2001 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, 2001 is
fairly stated, in all material respects.

/s/ PriceWaterhouseCoopers LLP


March 7, 2002


Ex-99.1 i)

Independent Auditors' Report
On The Uniform Single Attestation Program for Mortgage Bankers


<PAGE>

The Board of Directors
HomeSide Lending, Inc.:

We have examined management's assertion about HomeSide Lending, Inc. and
subsidiaries' (the Company's) compliance with the minimum servicing standards
set forth in the Mortgage Bankers Association of America's Uniform Single
Attestation Program for Mortgage Bankers and that the Company had in effect a
fidelity bond and errors and omissions policy in the amount of $76 million and
$20 million, respectively, as of and for the year ended September 30, 2001,
included in the accompanying management assertion letter dated December 7, 2001.
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 HomeSide Lending, Inc. and
subsidiaries has complied in all material respects with the aforementioned
minimum servicing standards and that the Company had in effect a fidelity bond
and errors and omissions policy in the amount of $76 million and $20 million,
respectively, as of and for the year ended September 30, 2001 is fairly stated,
in all material respects.

/s/ KPMG

December 7, 2001