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|Exhibit 99.2 | 

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|Exhibit I                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              
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|Managements Assertion Concerning Compliancewith USAP Minimum Servicing Standards
        March 26, 2003
        As of and for the year ended December 31, 2002, The CIT Group/Consumer Finance, Inc. (the Company), a wholly owned subsidiary of CIT Group Inc., 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 servicer for trust identified at Attachment 1. During the year ended December 31, 2002, certain instances of noncompliance with the standards occurred as noted below:
        Mortgage Loan Accounting
        Standard:  Adjustments on ARM loans shall be computed based on the related mortgage note and any ARM rider.
        Certain accounts contained incorrect reset dates. The companys existing internal control structure initially identified the affected accounts and management has supplemented its procedures to review adjustments processed. Management does not believe these items have a material impact on the loan records.
        As of and for this same period, CIT Group Inc. had in effect a financial institution bond, computer crime policy, and error and omissions policy in the following amounts:
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|Insurance Type             |  |  | Coverage |  | Effective Period    
|-------------------------- |  |  | -------- |  | --------------------
|                           |  |  |          |  |                     
|Financial institution bond |  |  | $60 mm   |  | 09/30/98 to 09/15/02
|                           |  |  | $60 mm   |  | 09/30/02 to 09/30/03
|                          
|Computer crime policy      |  |  | $60 mm   |  | 09/30/98 to 09/15/02
|                           |  |  | $60 mm   |  | 09/30/02 to 09/30/03
|                          
|Errors and omissions       |  |  | $25 mm   |  | 12/30/01 to 12/30/02
|                           |  |  | $10 mm   |  | 12/30/02 to 12/30/03
|                          

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|/s/ Thomas B. Hallman                                                                                 
|------------------------------------------------------------------------------------------------------
|                                                                                     
|Thomas B. Hallman
      President & Chief Executive Officer
      The CIT Group/Consumer Finance, Inc.
|                                                                                                      
|/s/ Kenneth P. Reynolds                                                                               
|                                                                                     
|Kenneth P. Reynolds
      Senior Vice President, Treasurer
      The CIT Group/Consumer Finance, Inc. 
|                                                                                                      
|/s/ Frank Garcia                                                                                      
|                                                                                     
|Frank Garcia
      Senior Vice President
      The CIT Group/Consumer Finance, Inc.                   

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