Ex.-99.2 a)
                                                                     EXHIBIT I




                  MANAGEMENT'S ASSERTION CONCERNING COMPLIANCE
                      WITH USAP MINIMUM SERVICING STANDARDS



March 2, 2004

As of and for the year ended December 31, 2003, the Mortgage division of Bank of
America, N.A. (the "Company"), has complied in all material respects 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 this same period, the Company has in effect a fidelity bond and
errors and omissions policy in the amounts of $340,000,000 and $270,000,000,
respectively.

--------------------------------------------------------------------------------
/s/ Kevin M. Shannon                           /s/ H. Randall Chestnut
--------------------------------------------   ---------------------------------
Kevin M. Shannon                               H. Randall Chestnut
President                                      Senior Vice President
Consumer Real Estate                           Bank of America
Bank of America, N.A.
--------------------------------------------------------------------------------
/s/ Aashish Kamat                              /s/ Gary K. Bettin
--------------------------------------------   ---------------------------------
Aashish Kamat                                  Gary K. Bettin
Senior Vice President and Managing             Senior Vice President and
Director                                       National Servicing Executive
Bank of America, N.A.                          Bank of America, N.A.
--------------------------------------------------------------------------------
/s/ J. Marc Hanson
--------------------------------------------
J. Marc Hanson Senior Vice President
Bank of America, N.A.
--------------------------------------------------------------------------------


Ex-99.2 b)

As of and for the year ended December 31, 2003, Cendant Mortgage Corporation
(the Company) has complied in all material respects 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 this same period,
the Company had in effect a fidelity bond and errors and omissions policy in the
amount of $140 million and $20 million, respectively.



Cendant Mortgage Corporation


/s/ Terence W. Edwards
-------------------------------------------------
Terence W. Edwards
President and Chief Executive Officer


/s/ Mark Danahy
-------------------------------------------------
Mark Danahy
Senior Vice President & Chief Financial Officer


/s/ Martin L. Foster
-------------------------------------------------
Martin L. Foster
Senior Vice President - Loan Servicing


Ex-99.2 c)

CHASE MANHATTAN MORTGAGE CORPORATION
3415 Vision Drive
Columbus, OH 43219

                                                                       EXHIBIT I

Management's Assertion Concerning Compliance
with USAP Minimum Servicing Standards


March 3, 2004

As of and for the year ended December 31, 2003, Chase Manhattan Mortgage
Corporation and its subsidiaries (collectively, the "Group") have complied in
all material respects with the minimum servicing standards (the "standards") set
forth in the Mortgage Bankers Association of America's UNIFORM SINGLE
ATTESTATION PROGRAM FOR MORTGAGE BANKERS ("USAP"). These standards are
applicable only to Chase Manhattan Mortgage Corporation's prime and subprime
mortgage portfolios.

As of and for this same period, the Group had in effect fidelity bond and errors
and omissions policy in the amounts of $250,000,000 and $25,000,000
respectively.



/s/ Steve Rotella                       /s/ Terry L. Gentry
----------------------------------      --------------------------------------
Steve Rotella                           Terry L. Gentry
Senior Vice President of Servicing



/s/ Lucy Gambino
--------------------------------------
Lucy Gambino
Vice President of Risk Management

Ex-99.2 d)

Citimortgage                                                CitiMortgage, Inc.
                                                         1000 Technology Drive
                                                              Mail Station 822
                                                      O'Fallon, Missouri 63304



                              management assertion

As of and for the year ended December 31, 2003, CitiMortgage, Inc. and
subsidiaries and CitiMortgage Asset Management, Inc. (collectively referred to
as the Company) has complied, in all material respects, with the minimum
servicing standards set forth in the Mortgage Bankers Association of America's
UNIFORM SINGLE ATTESTATION FOR MORTGAGE BANKERS. As of and for this same period,
the Company had in effect a fidelity bond policy of $200 million and errors and
omissions policy in the amount of $75 million.

Very truly yours,

By:   /s/ David Schneider
      -------------------------------------------------------------------------
      David Schneider, President & Chief Operating Officer, CitiMortgage, Inc.



By:   /s/ Bill Beckman
      -------------------------------------------------------------------------
       Bill Beckmann, President, Citigroup Real Estate Servicing And Technology



By:   /s/ Paul Ince
      -------------------------------------------------------------------------
      Paul Ince, Chief Financial Officer, CitiMortgage, Inc.

March 5, 2004


Ex-99.2 e)

                                                   Countrywide
February 27, 2004                                  4500 Park Granada
                                                   Calabasas, California  91302
                                                   (818) 225-3000


Grant Thornton LLP
1000 Wilshire Boulevard
Suite 300
Los Angeles, CA  90017

Gentlemen:

As of and for the year ended December 31, 2003, Countrywide Financial
Corporation 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") has complied in all
material respects with the minimum servicing standards set forth in the Mortgage
Bankers Association of America's UNIFORM SINGLE ATTESTATION FOR MORTGAGE
BANKERS, except as disclosed in the attached Schedule of Findings to the report.
As of and for this same period, the Company had in effect a fidelity bond and
errors and omissions policy in the amount of $215 million and $240 million,
respectively.

The Company investigated the matters noted in the Schedule of Findings and noted
that due to significant increases in volume of activity and staff turn-over,
these accounts were being handled by inexperienced staff members. The Company
has since increased the number and quality of staff in this area through
additional hiring and training. As a result, management is not aware of any
current USAP violations related to these accounts.

Sincerely,



/s/ Thomas K. Mclaughlin
----------------------------------------
Thomas K. McLaughlin
Senior Managing Director and
Chief Financial Officer



/s/ Kevin Meyers
----------------------------------------
Kevin Meyers
Managing Director, Finance
Loan Administration



Ex-99.2 f)

                             MANAGEMENT'S ASSERTION

As of and for the year ended November 30, 2003, EMC Mortgage Corporation (the
"Company") (a wholly owned subsidiary of The Bear Stearns Companies, Inc.), has
complied, in all material respects, except as described in the following
paragraph, with the Company's established minimum servicing standards for
residential mortgage loans as set forth in Appendix I (the "Standards"). The
Standards are based on the Mortgage Bankers Association of America's UNIFORM
SINGLE ATTESTATION PROGRAM FOR MORTGAGE BANKERS.

In two of the twenty-two custodial bank accounts selected for testing, the
reconciliations included three items totaling approximately $258,000 that were
older than ninety days.

As of and for this same period, the Company had in effect a fidelity bond in the
amount of $200,000,000 and $100,000,000 for the periods from December 1, 2002 to
September 29, 2003 and from September 30, 2003 to November 30, 2003,
respectively and an errors and omissions policy in the amount of $10,000,000 and
$15,000,000 for the periods from December 1, 2002 to February 24, 2003 and from
February 25, 2003 to November 30, 2003, respectively.


/s/ Ralene Ruyle                                              2/26/04
-----------------------------------------------------         -----------------
Ralene Ruyle, President                                       Date


/s/ Scott D. Samlin                                           2/26/04
-----------------------------------------------------         -----------------
Scott D. Samlin, Executive Vice President                     Date


/s/ Judith L. Leto                                            2/26/04
-----------------------------------------------------         -----------------
Judith L. Leto, Chief Accounting Officer                      Date


Ex-99.2 g)

EVERHome
MORTGAGE COMPANY


As of and for the year ended December 31, 2003. EverHome Mortgage Company
(formerly Alliance Mortgage Company) has complied in all material respects with
the minimum standards set forth in the Mortgage Bankers Association of America's
UNIFORM SINGLE ATTESTATION PROGRAM FOR MORTGAGE BANKERS. As of and for this same
period, EverHome Mortgage Company had in effect a fidelity bond and an errors
and omissions policy in the amount of $17 million, respectively.



/s/ Gary A. Meeks                                             2/25/04
-----------------------------------------------------         -----------------
Gary A. Meeks                                                 Date
President & COO

/s/ W. Blake Wilson                                           2/25/04
-----------------------------------------------------         -----------------
W. Blake Wilson                                               Date
Executive Vice President & CFO

Ex-99.2 h)


                                                                       EXHIBIT 1

                  MANAGEMENT'S ASSERTION CONCERNING COMPLIANCE
                      WITH USAP MINIMUM SERVICING STANDARDS

March 19, 2004

As of and far the year ended December 31, 2003, GMAC Mortgage Corporation and
its subsidiaries (the "Company") have complied in all material respects with the
minimum servicing standards (the "Standards") set forth in the Mortgage Bankers
Association of America's UNIFORM SINGLE ATTESTATION PROGRAM FOR MORTGAGE BANKERS
("USAP").

As of and for this same period, the Company had in effect fidelity bond and
errors and omissions policies in the amounts of $125,040,000 and $100,000,000,
respectively.


/s/ David Applegate
--------------------------------------
David Applegate
Chief Executive Officer
GMAC Residential Holding Corp


/s/ Ralph Hall
--------------------------------------
Ralph Hall
Chief Executive Officer
GMAC Residential Holding Corp


Ex-99.2 i)

SOUTHTRUST MORTGAGE



As of and for the year ended December 31, 2003, SouthTrust Mortgage Corporation
has complied in all material respects with the minimum servicing standards set
forth in the Mortgage Bankers Association of America's UNIFORM SINGLE
ATTESTATION PROGRAM FOR MORTGAGE BANKERS, except as disclosed in the applicable
servicing letters. As of and for this same period, SouthTrust Mortgage
Corporation had in effect a fidelity bond and errors and omissions policy in the
amount of $50,000,000 and $8,000,000, respectively.



                                          /s/ Wade O. King
                                          -------------------------------------
                                          Wade O. King
                                          President & Chief Executive Officer



                                          3/23/04
                                          Date



Ex-99.2 j)

MANAGEMENT'S ASSERTION

As of and for the year ended December 31, 2003, Washington Mutual Bank, FA and
Subsidiaries (the Company) has complied, in all material respects, with the
Company's established minimum servicing standards for single family residential
mortgages as set forth in Appendix I (the Standards). The Standards are based on
the Mortgage Banker's Association of America's Uniform Single Attestation
Program for Mortgage Bankers. As of and for this same period, the Company had in
effect a fidelity bond in the amount of $110 million, and errors and omissions
policy in the amount of $20 million.



/s/ Deanna Oppenheimer
--------------------------------------
Deanna Oppenheimer
President
Consumer Group

/s/ Dyan Betto
--------------------------------------
Dyan Betto
Executive Vice President
Home Loans Service Delivery - Consumer Group

/s/ Anthony T. Meola
--------------------------------------
Anthony T. Meola
Executive Vice President
Home Loans Production - Consumer Group



February 16, 2004



<PAGE>


                                                               WASHINGTON MUTUAL


WASHINGTON MUTUAL BANK, FA AND SUBSIDIARIES

APPENDIX I: MINIMUM SERVICING STANDARDS FOR SINGLE FAMILY RESIDENTIAL MORTGAGES
AS SET FORTH IN THE MORTGAGE BANKERS ASSOCIATION OF AMERICA'S UNIFORM SINGLE
ATTESTATION PROGRAM FOR MORTGAGE BANKERS
---------------------------------------------------------------------------



         II. CUSTODIAL BANK ACCOUNTS

         A. RECONCILIATIONS SHALL BE PREPARED ON A MONTHLY BASIS FOR ALL
CUSTODIAL BANK ACCOUNTS AND RELATED BANK CLEARING ACCOUNTS. THESE
RECONCILIATIONS SHALL:

o         be mathematically accurate;

o         be prepared within forty-five (45) calendar days after the cutoff
          date;

o         be reviewed and approved by someone other than the person who prepared
          the reconciliation; and

o         document explanations for reconciling items, These reconciling items
          shall be resolved within ninety (90) calendar days of their original
          identification.

         B. FUNDS OF THE SERVICING ENTITY SHALL BE ADVANCED IN CASES WHERE THERE
IS AN OVERDRAFT IN AN INVESTOR'S OR A MORTGAGOR'S ACCOUNT.

         C. EACH CUSTODIAL ACCOUNT SHALL BE MAINTAINED AT A FEDERALLY INSURED
DEPOSITORY INSTITUTION IN TRUST FOR THE APPLICABLE INVESTOR.

         D. ESCROW FUNDS HELD IN TRUST FOR A MORTGAGOR SHALL BE RETURNED TO THE
MORTGAGOR WITHIN THIRTY (30) CALENDAR DAYS OF PAYOFF OF THE MORTGAGE LOAN.

         III. MORTGAGE PAYMENTS

         A. MORTGAGE PAYMENTS SHALL BE DEPOSITED INTO THE CUSTODIAL BANK
ACCOUNTS AND RELATED BANK CLEARING ACCOUNTS WITHIN TWO BUSINESS DAYS OF RECEIPT.

         B. MORTGAGE PAYMENTS MADE IN ACCORDANCE WITH THE MORTGAGOR'S LOAN
DOCUMENTS SHALL BE POSTED TO THE APPLICABLE MORTGAGOR RECORDS WITHIN TWO
BUSINESS DAYS OF RECEIPT.

         C. MORTGAGE PAYMENTS SHALL BE ALLOCATED TO PRINCIPAL, INTEREST,
INSURANCE, TAXES, OR OTHER ESCROW ITEMS IN ACCORDANCE WITH THE MORTGAGOR'S LOAN
DOCUMENTS.

         D. MORTGAGE PAYMENTS IDENTIFIED AS LOAN PAYOFFS SHALL BE ALLOCATED IN
ACCORDANCE WITH THE MORTGAGOR'S LOAN DOCUMENTS.

         IV. DISBURSEMENTS

         A. DISBURSEMENTS MADE VIA WIRE TRANSFER ON BEHALF OF A MORTGAGOR OR
INVESTOR SHALL BE MADE ONLY BY AUTHORIZED PERSONNEL.

         B. DISBURSEMENTS MADE ON BEHALF OF A MORTGAGOR OR INVESTOR SHALL BE
POSTED WITHIN TWO BUSINESS DAYS TO THE MORTGAGOR'S OR INVESTOR'S RECORDS
MAINTAINED BY THE SERVICING ENTITY.

         C. TAX AND INSURANCE PAYMENTS SHALL BE MADE ON OR BEFORE THE PENALTY OR
INSURANCE POLICY EXPIRATION DATES, AS INDICATED ON TAX BILLS AND INSURANCE
PREMIUM NOTICES, RESPECTIVELY, PROVIDED THAT SUCH SUPPORT HAS BEEN RECEIVED BY
THE SERVICING ENTITY AT LEAST THIRTY (30) CALENDAR DAYS PRIOR TO THESE DATES.

         D. ANY LATE PAYMENT PENALTIES PAID IN CONJUNCTION WITH THE PAYMENT OF
ANY TAX BILL OR INSURANCE PREMIUM NOTICE SHALL BE PAID FROM THE SERVICING
ENTITY'S FUNDS AND NOT CHARGED TO THE MORTGAGOR, UNLESS THE LATE PAYMENT WAS DUE
TO THE MORTGAGOR'S ERROR OR OMISSION.

         E. AMOUNTS REMITTED TO INVESTORS PER THE SERVICER'S INVESTOR REPORTS
SHALL AGREE WITH CANCELLED CHECKS OR OTHER FORM OF PAYMENT OR CUSTODIAL BANK
STATEMENTS.

         F. UNUSED CHECKS SHALL BE SAFEGUARDED SO AS TO PREVENT UNAUTHORIZED
ACCESS.

         V. INVESTOR ACCOUNTING AND REPORTING

         A. THE SERVICING ENTITY'S INVESTOR REPORTS SHALL AGREE WITH, OR
RECONCILE TO, INVESTORS' RECORDS ON A MONTHLY BASIS AS TO THE TOTAL UNPAID
PRINCIPAL BALANCE AND NUMBER OF LOANS SERVICED BY THE SERVICING ENTITY.

         VI. MORTGAGOR LOAN ACCOUNTING

         A. THE SERVICING ENTITY'S MORTGAGE LOAN RECORDS SHALL AGREE WITH, OR
RECONCILE TO, THE RECORDS OF MORTGAGORS WITH RESPECT TO THE UNPAID PRINCIPAL
BALANCE ON A MONTHLY BASIS.

         B. ADJUSTMENTS ON ARM LOANS SHALL BE COMPUTED BASED ON THE RELATED
MORTGAGE NOTE AND ANY ARM RIDER.

         C. ESCROW ACCOUNTS SHALL BE ANALYZED, IN ACCORDANCE WITH THE
MORTGAGOR'S LOAN DOCUMENTS, ON AT LEAST AN ANNUAL BASIS.

         D. INTEREST ON ESCROW ACCOUNTS SHALL BE PAID, OR CREDITED, TO
MORTGAGORS IN ACCORDANCE WITH THE APPLICABLE STATE LAWS.

         VII. DELINQUENCIES

         A. RECORDS DOCUMENTING COLLECTION EFFORTS SHALL BE MAINTAINED DURING
THE PERIOD A LOAN IS IN DEFAULT AND SHALL BE UPDATED AT LEAST MONTHLY. SUCH
RECORDS SHALL DESCRIBE THE ENTITY'S ACTIVITIES IN MONITORING DELINQUENT LOANS,
INCLUDING, FOR EXAMPLE, PHONE CALLS, LETTERS, AND MORTGAGE PAYMENT RESCHEDULING
PLANS IN CASES WHERE THE DELINQUENCY IS DEEMED TEMPORARY (E.G., ILLNESS OR
UNEMPLOYMENT).

         VIII. INSURANCE POLICIES

         A. A FIDELITY BOND AND ERRORS AND OMISSIONS POLICY SHALL BE IN EFFECT
ON THE SERVICING ENTITY THROUGHOUT THE REPORTING PERIOD IN THE AMOUNT OF
COVERAGE REPRESENTED TO INVESTORS IN MANAGEMENT'S ASSERTION.

Ex-99.2 k)

WELLS HOME
FARGO MORTGAGE


                              MANAGEMENT ASSERTION


As of and for the year ended December 31, 2003, Wells Fargo Home Mortgage, Inc.
has complied in all material respects with the minimum servicing standards set
forth in the Mortgage Bankers of America's UNIFORM SINGLE ATTESTATION PROGRAM
FOR MORTGAGE BANKERS. As of and for this same period, Wells Fargo Home Mortgage,
Inc. had in effect a fidelity bond along with an errors and omissions policy in
the amounts of $100 million and $20 million, respectively.



/s/ Pete Wissinger                             February 25, 2004
--------------------------------------------   ---------------------------------
Pete Wissinger
Chief Executive Officer



/s/ Michael J. Held                            February 25, 2004
--------------------------------------------   ---------------------------------
Michael J. Held
Chief Financial Officer
Executive Vice President

/s/ Michael Lepore                             February 25, 2004
--------------------------------------------   ---------------------------------
Michael Lepore
Executive Vice President
Loan Servicing

/s/ Robert Caruso                              February 25, 2004
--------------------------------------------   ---------------------------------
Robert Caruso
Executive Vice President
Servicing Operations