Ex-99.1 a)

Price Waterhouse Coopers


                                                     Pricewaterhouse Coopers LLP
                                                             214 N. Bryon Street
                                                                        Ste 3600
                                                             Charlotte, NC 26202
                                                       Telephone: (704) 344-7500
                                                       Facsimile: (704) 344-4100




                        REPORT OF INDEPENDENT ACCOUNTANTS

To the Board of Directors and Shareholder
of Bank of America, N.A.

We have examined management's assertion about compliance by the mortgage
division of Bank of America, N.A. (the "Company"), an operating division of Bank
of America, N.A., 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 (see Exhibit 1). 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 the Company complied with the
aforementioned minimum servicing standards as of and for the year ended December
31, 2003 is fairly stated, in all material respects.

March 2, 2004

/s/ Price Waterhouse Coopers LLP

Ex-99.1 b)

                         INDEPENDENT ACCOUNTANTS' REPORT

To Cendant Mortgage Corporation:

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<PAGE>


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 c)

                                PRICEWATERHOUSE COOPERS LLP
                                1177 Avenue of the Americas
                                New York NY 10036
                                Telephone (646) 471 4000
                                Facsimile (813) 286 6000


                         REPORT OF INDEPENDENT AUDITORS


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

We have examined management's assertion about Chase Manhattan Corporation's (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 year ended December 31, 2003
included in the accompanying management assertion (see Exhibit I). The Company
performs loan subservicing functions for the residential loan servicing
portfolio of its affiliate, Chase Mortgage Company


                                     - 12 -
<PAGE>

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 Company's compliance based on our examination.

Our examination was made in accordance with the 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 December
31, 2003 is fairly stated, in all material respects.

/s/ PricewaterHouse Coopers LLP



March 3, 2004

Ex-99.1 d)

KPMG LLP
Suite 900
10 South Broadway
St. Louis, MO 63102-1761



                         INDEPENDENT ACCOUNTANTS' REPORT

The Board of Directors
CitiMortgage, Inc.:

We have examined management's assertion, included in the accompanying management
assertion, that CitiMortgage, Inc. and subsidiaries and CitiMortgage Asset
Management, Inc. (collectively referred to as the Company), complied 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
the year ended December 31, 2003. 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.


                                     - 13 -
<PAGE>

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



/s/ KPMG LLP

St. Louis, Missouri
March 5, 2004

Ex-99.1 e)

                                                                  GRANT THORNTON

Accountants and Management Consultants



                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
                                ----------------


Board of Directors
Countrywide Financial Corporation

We have examined management's assertion about Countrywide Financial Corporation
and Subsidiaries' (including 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 year
ended December 31, 2003 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 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 Countrywide Financial Corporation
and Subsidiaries (including 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


                                     - 11 -
<PAGE>

for the year ended December 31, 2003 is fairly stated, in all material respects,
except as disclosed in the attached Schedule of Findings.

/s/ Grant Thorton LLP

Los Angeles, California
February 27, 2004

Ex-99.1 f)


INDEPENDENT ACCOUNTANTS' REPORT


Board of Directors and Stockholder
EMC Mortgage Corporation

We have examined EMC Mortgage Corporations (the "Company") (a wholly owned
subsidiary of The Bear Stearns Companies Inc.) compliance with its established
minimum servicing standards described in the accompanying Management's
Assertion, dated February 13, 2004, as of and for the year ended November 30,
2003. Management is responsible for compliance with those minimum servicing
standards. Our responsibility is to express an opinion on 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 its 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 its minimum
servicing standards.

Our examination disclosed the following material noncompliance with the
reconciliation of custodial bank accounts applicable to the Company during the
year ended November 30, 2003. 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.

In our opinion, except for the material noncompliance described in the preceding
paragraph, the Company complied, in all material respects, with the
aforementioned minimum servicing standards as of and for the year ended November
30, 2003, as set forth in Appendix I.

/s/ Deloitte & Touche LLP


February 13, 2004

                                     - 15 -

<PAGE>


I.

APPENDIX I


MINIMUM SERVICING STANDARDS AS SET FORTH IN THE MORTGAGE BANKERS ASSOCIATION OF
AMERICA'S UNIFORM SINGLE ATTESTATION PROGRAM FOR MORTGAGE BANKERS

I.       CUSTODIAL BANK ACCOUNTS

1.       Reconciliations shall be prepared on a monthly basis for all custodial
         bank accounts and related bank clearing accounts. These reconciliations
         shall:

|_|      be mathematically accurate;

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

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

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

2.       Funds of the servicing entity shall be advanced in cases where there is
         an overdraft in an investor's or a mortgagor's account.

3.       Each custodial account shall be maintained at a federally insured
         depository institution in trust for the applicable investor.

4.       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.

II.      MORTGAGE PAYMENTS

1.       Mortgage payments shall be deposited into the custodial bank accounts
         and related bank clearing accounts within two business days of receipt.

2.       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.

3.       Mortgage payments shall be allocated to principal, interest, insurance,
         taxes or other escrow items in accordance with the mortgagor's loan
         documents.

4.       Mortgage payments identified as loan payoffs shall be allocated in
         accordance with the mortgagor's loan documents.

III.     DISBURSEMENTS

1.       Disbursements made via wire transfer on behalf of a mortgagor or
         investor shall be made only by authorized personnel.

2.       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.

3.       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.

4.       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.

5.       Amounts remitted to investors per the servicer's investor reports shall
         agree with cancelled checks, or other form of payment, or custodial
         bank statements.

6.       Unused checks shall be safeguarded so as to prevent unauthorized
         access.

IV.      INVESTOR ACCOUNTING AND REPORTING

1.       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.

V.       MORTGAGOR LOAN ACCOUNTING

1.       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.

2.       Adjustments on ARM loans shall be computed based on the related
         mortgage note and any ARM rider.

3.       Escrow accounts shall be analyzed, in accordance with the mortgagor's
         loan documents, on at least an annual basis.

4.       Interest on escrow accounts shall be paid, or credited, to mortgagors
         in accordance with the applicable state laws.

VI.      DELINQUENCIES

1.       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).

VII.     INSURANCE POLICIES

1.       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.




<PAGE>


Ex-99.1 g)


---------------------------------------------------  --------------------------
Deloitte                                             Deloitte & Touche LLP
                                                     Suite 2801
                                                     One Independent Drive
                                                     Jacksonville,          FL
                                                     32202-5034
                                                     USA

                                                     Tel: + 1 904 665 1400
                                                     Fax: + 1 904 665 1600
                                                     www.deloitte.com

---------------------------------------------------  --------------------------


INDEPENDENT ACCOUNTANTS' REPORT ON
   MANAGEMENT'S ASSERTION ABOUT COMPLIANCE WITH
   UNIFORM SINGLE ATTESTATION PROGRAM REQUIREMENTS


To the Board of Directors
EverHome Mortgage Company:

We have examined management's assertion about EverHome Mortgage Company's (the
"Company") (formerly 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, 2003 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 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 December
31, 2003 is fairly stated, in all material respects.


/s/ Deloitte & Touche LLP

February 25, 2004

Ex-99.1 h)

                                     - 16 -
<PAGE>

                         REPORT OF INDEPENDENT AUDITORS

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 ("USAP") as of and for
the year ended December 31, 2003 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, 2003 is
fairly stated, in all material respects.


March 24, 20114

/s/ PricewaterhouseCooper LLP

Ex-99.1 i)

KPMG LLP
SouthTrust Tower
Suite 1800
420 20th Street North
Birmingham, AL 35203

                         INDEPENDENT ACCOUNTANTS' REPORT

To SouthTrust Mortgage Corporation:

We have examined management's assertion that SouthTrust Mortgage Corporation (a
wholly owned subsidiary of SouthTrust Bank) complied 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 the year
ended December 31, 2003. Management is responsible for SouthTrust Mortgage
Corporation's compliance with those minimum servicing standards. Our
responsibility is to express an opinion on management's assertion 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 SouthTrust
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
SouthTrust Mortgage Corporation's compliance with the minimum servicing
standards.

In our opinion, management's assertion that SouthTrust Mortgage Corporation
complied with the aforementioned minimum servicing standards, except for the
matter disclosed in Exhibit I, during the year ended December 31, 2003 is fairly
slated, in all material respects.

March 5, 2004

                                  /s/ KPMG LLP

Ex-99.1 j)

DELOITTE


INDEPENDENT ACCOUNTANTS' REPORT



Board of Directors
Washington Mutual Bank, FA and Subsidiaries

We have examined management's assertion that Washington Mutual Bank, FA and
subsidiaries (the "Company") has complied as of and for the year ended December
31, 2003, with its established minimum servicing standards for single family
residential mortgages identified in the accompanying Management's Assertion,
dated February 16, 2004. Management is responsible for the Company's compliance
with those

                                     - 17 -
<PAGE>


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 its 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 its 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 December
31, 2003, is fairly stated, in all material respects, based on the criteria set
forth in Appendix I.


/s/ Deloitte & Touche LLP
February 16, 2004

Ex-99.1 k)

KPMG LLP
2500 Ruan Center
665 Grand Avenue
Des Moines, IA 50309


                        INDEPENDENT ACCOUNTANTS' REPORT

The Board of Directors
Wells Fargo Home Mortgage, Inc.:

We have examined management's assertion dated February 25, 2004 that Wells Fargo
Home Mortgage, Inc. (the Company) complied 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 the year ended
December 31, 2003. 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 as of and for the year ended December
31, 2003, is fairly stated, in all material respects.


                                     - 18 -
<PAGE>



/s/ KPMG LLP

February 25, 2004




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