Exhibit 99(a)(3)


                            [LETTERHEAD OF KPMG LLP]



                          Independent Auditors' Report




The Board of Directors
CitiMortgage, Inc.:


We have audited the consolidated financial statements of CitiMortgage, Inc. (an
indirect wholly-owned subsidiary of Citigroup Inc.) and subsidiaries (the
Company) as of and for the year ended December 31, 2002, and have issued our
report thereon dated March 14, 2003. We conducted our audit in accordance with
auditing standards generally accepted in the United States of America. Those
standards require that we plan and perform the audit to obtain reasonable
assurance about whether the consolidated financial statements are free of
material misstatement.

In connection with our audit, we noted no instances of noncompliance that are
required to be reported herein under the requirements applicable to HUD-approved
Title II non-supervised mortgagees, as specified in the Consolidated Audit Guide
for Audits of HUD Programs (the Guide), issued by the U.S. Department of Housing
and Urban Development, Office of the Inspector General, insofar
as they relate to accounting matters related to the Mortgage Pass-Thru
Certificates referred to in Exhibit I. However, our audit was not directed
primarily toward obtaining knowledge of such noncompliance.

This report is intended for the information and use of the Board of Directors,
management of the Company; Wachovia Bank, National Association; First Union
National Bank; Citibank, N.A.; Deutsche Bank Trust Company Americas; U.S. Bank
National Association; and The Bank of New York and is not intended to be and
should not be used by anyone other than these specified parties.


/s/ KPMG LLP

March 14, 2003


<PAGE>

                                                                      Exhibit I

                       CITIMORTGAGE, INC. AND SUBSIDIARIES
             (An Indirect Wholly-Owned Subsidiary of Citigroup Inc.)
                       Mortgage Pass-Through Certificates
                                December 31, 2002


Citibank, N.A.                                                  Series 1985-K

Citibank, N.A.                                                  Series 1986-J
Citibank, N.A.                                                  Series 1986-P
Citibank, N.A.                                                  Series 1986-S

Citibank, N.A.                                                  Series 1987-A
Citibank, N.A.                                                  Series 1987-B
Citibank, N.A.                                                  Series 1987-D
Citibank, N.A.                                                  Series 1987-F

Citicorp Mortgage Securities, Inc.                              Series 1987-1
Citicorp Mortgage Securities, Inc.                              Series 1987-3
Citicorp Mortgage Securities, Inc.                              Series 1987-10

Citicorp Mortgage Securities, Inc.
          Citibank, N.A.                                        Series 1987-13A

Citicorp Mortgage Securities, Inc.
     Citibank, N.A.                                             Series 1987-20A

Citicorp Mortgage Securities Inc.
     Citicorp Mortgage, Inc.                                    Series 1988-1A
Citicorp Mortgage Securities, Inc.                              Series 1988-11
Citicorp Mortgage Securities, Inc.                              Series 1988-17
Citicorp Mortgage Securities, Inc.                              Series 1988-20

Citicorp Mortgage Securities, Inc.                              Series 1989-1

Citicorp Mortgage Securities, Inc.
     Citicorp Mortgage, Inc.                                    Series 1989-5A
     Citibank, N.A.                                             Series 1989-5B
Citicorp Mortgage Securities, Inc.
     Citicorp Mortgage, Inc.                                    Series 1989-8A
     Citibank, N.A.                                             Series 1989-8B
Citicorp Mortgage Securities, Inc.                              Series 1989-13
Citicorp Mortgage Securities, Inc.                              Series 1989-19

Citicorp Mortgage Securities, Inc.
     Citicorp Mortgage, Inc.                                    Series 1990-5A
     Citibank, N.A.                                             Series 1990-5B
<PAGE>

                                                                 Exhibit I Cont.


                       CITIMORTGAGE, INC. AND SUBSIDIARIES
             (An Indirect Wholly-Owned Subsidiary of Citigroup Inc.)
                       Mortgage Pass-Through Certificates
                                December 31, 2002


     Citibank, Federal Savings Bank                             Series 1990-5C
Citibank Mortgage Securities, Inc.
     Citicorp Mortgage, Inc.                                    Series 1990-7A
     Citibank, N.A.                                             Series 1990-7B
     Citibank, Federal Savings Bank                             Series 1990-7C
     Citibank, Federal Savings Bank                             Series 1990-7D
Citicorp Mortgage Securities, Inc.
     Citicorp Mortgage, Inc.                                    Series 1990-8A
     Citibank, N.A.                                             Series 1990-8B
     Citibank, Federal Savings Bank                             Series 1990-8C
     Citibank, Federal Savings Bank                             Series 1990-8D
Citicorp Mortgage Securities, Inc.
     Citicorp Mortgage, Inc.                                    Series 1990-9A
     Citibank, N.A.                                             Series 1990-9B
     Citibank, Federal Savings Bank                             Series 1990-9C
     Citibank, Federal Savings Bank                             Series 1990-9D
Citicorp Mortgage Securities, Inc.
     Citicorp Mortgage, Inc.                                    Series 1990-11A
     Citibank, N.A.                                             Series 1990-11B
     Citibank, Federal Savings Bank                             Series 1990-11C
     Citibank, Federal Savings Bank                             Series 1990-11D
     Citibank, Federal Savings Bank                             Series 1990-11E
Citicorp Mortgage Securities, Inc.
     Citicorp Mortgage, Inc.                                    Series 1990-12A
     Citibank, N.A.                                             Series 1990-12B
     Citibank, Federal Savings Bank                             Series 1990-12C
Citicorp Mortgage Securities, Inc.                              Series 1990-14
Citicorp Mortgage Securities, Inc.                              Series 1990-18

Citicorp Mortgage Securities, Inc.                              Series 1991-5

Citicorp Mortgage Securities, Inc.                              Series 1992-1
Citicorp Mortgage Securities, Inc.                              Series 1992-4
Citicorp Mortgage Securities, Inc.                              Series 1992-7
Citicorp Mortgage Securities, Inc.                              Series 1992-12
Citicorp Mortgage Securities, Inc.                              Series 1992-13
Citicorp Mortgage Securities, Inc.                              Series 1992-14
Citicorp Mortgage Securities, Inc.                              Series 1992-16
Citicorp Mortgage Securities, Inc.                              Series 1992-17

                                       2

<PAGE>

                                                                 Exhibit I Cont.


                       CITIMORTGAGE, INC. AND SUBSIDIARIES
             (An Indirect Wholly-Owned Subsidiary of Citigroup Inc.)
                       Mortgage Pass-Through Certificates
                                December 31, 2002



Citicorp Mortgage Securities, Inc.                              Series 1992-18
Citicorp Mortgage Securities, Inc.                              Series 1992-19

Citicorp Mortgage Securities, Inc.                              Series 1993-1
Citicorp Mortgage Securities, Inc.                              Series 1993-2
Citicorp Mortgage Securities, Inc.                              Series 1993-3
Citicorp Mortgage Securities, Inc.                              Series 1993-4
Citicorp Mortgage Securities, Inc.                              Series 1993-5
Citicorp Mortgage Securities, Inc.                              Series 1993-6
Citicorp Mortgage Securities, Inc.                              Series 1993-7
Citicorp Mortgage Securities, Inc.                              Series 1993-8
Citicorp Mortgage Securities, Inc.                              Series 1993-9
Citicorp Mortgage Securities, Inc.                              Series 1993-10
Citicorp Mortgage Securities, Inc.                              Series 1993-11
Citicorp Mortgage Securities, Inc.                              Series 1993-12
Citicorp Mortgage Securities, Inc.                              Series 1993-13
Citicorp Mortgage Securities, Inc.                              Series 1993-14

Citicorp Mortgage Securities, Inc.                              Series 1994-1
Citicorp Mortgage Securities, Inc.                              Series 1994-2
Citicorp Mortgage Securities, Inc.                              Series 1994-3
Citicorp Mortgage Securities, Inc.                              Series 1994-4
Citicorp Mortgage Securities, Inc.                              Series 1994-5
Citicorp Mortgage Securities, Inc.                              Series 1994-6
Citicorp Mortgage Securities, Inc.                              Series 1994-7
Citicorp Mortgage Securities, Inc.                              Series 1994-8
Citicorp Mortgage Securities, Inc.                              Series 1994-9
Citicorp Mortgage Securities, Inc.                              Series 1994-10
Citicorp Mortgage Securities, Inc.                              Series 1994-11
Citicorp Mortgage Securities, Inc.                              Series 1994-12
Citicorp Mortgage Securities, Inc.                              Series 1994-13

Citicorp Mortgage Securities, Inc.                              Series 1995-2
Citicorp Mortgage Securities, Inc.                              Series 1995-3

Citicorp Mortgage Securities, Inc.                              Series 1996-1

Citicorp Mortgage Securities, Inc.                              Series 1997-1
Citicorp Mortgage Securities, Inc.                              Series 1997-2

                                      3

<PAGE>

                                                                 Exhibit I Cont.


                       CITIMORTGAGE INC. AND SUBSIDIARIES
             (An Indirect Wholly-Owned Subsidiary of Citigroup Inc.)
                       Mortgage Pass-Through Certificates
                                December 31, 2002


Citicorp Mortgage Securities, Inc.                              Series 1997-3
Citicorp Mortgage Securities, Inc.                              Series 1997-4
Citicorp Mortgage Securities, Inc.                              Series 1997-5
Citicorp Mortgage Securities, Inc.                              Series 1997-7

Citicorp Mortgage Securities, Inc.                              Series 1998-1
Citicorp Mortgage Securities, Inc.                              Series 1998-2
Citicorp Mortgage Securities, Inc.                              Series 1998-3
Citicorp Mortgage Securities, Inc.                              Series 1998-4
Citicorp Mortgage Securities, Inc.                              Series 1998-5
Citicorp Mortgage Securities, Inc.                              Series 1998-6
Citicorp Mortgage Securities, Inc.                              Series 1998-7
Citicorp Mortgage Securities, Inc.                              Series 1998-8
Citicorp Mortgage Securities, Inc.                              Series 1998-9
Citicorp Mortgage Securities, Inc.                              Series 1998-10

Citicorp Mortgage Securities, Inc.                              Series 1999-1
Citicorp Mortgage Securities, Inc.                              Series 1999-2
Citicorp Mortgage Securities, Inc.                              Series 1999-3
Citicorp Mortgage Securities, Inc.                              Series 1999-4
Citicorp Mortgage Securities, Inc.                              Series 1999-5
Citicorp Mortgage Securities, Inc.                              Series 1999-6
Citicorp Mortgage Securities, Inc.                              Series 1999-7
Citicorp Mortgage Securities, Inc.                              Series 1999-8

Citicorp Mortgage Securities, Inc.                              Series 2000-1
Citicorp Mortgage Securities, Inc.                              Series 2000-2
Citicorp Mortgage Securities, Inc.                              Series 2000-3
Citicorp Mortgage Securities, Inc.                              Series 2000-4
Citicorp Mortgage Securities, Inc.                              Series 2000-5
Citicorp Mortgage Securities, Inc.                              Series 2000-6

Salomon Brothers Mortgage Securities VII, Inc.                  Series 2000-1

Citicorp Mortgage Securities, Inc.                              Series 2001-1
Citicorp Mortgage Securities, Inc.                              Series 2001-2
Citicorp Mortgage Securities, Inc.                              Series 2001-3
Citicorp Mortgage Securities, Inc.                              Series 2001-4
Citicorp Mortgage Securities, Inc.                              Series 2001-5

                                       4

<PAGE>

                                                                 Exhibit I Cont.


                       CITIMORTGAGE INC. AND SUBSIDIARIES
             (An Indirect Wholly-Owned Subsidiary of Citigroup Inc.)
                       Mortgage Pass-Through Certificates
                                December 31, 2002


Citicorp Mortgage Securities, Inc.                              Series 2001-6
Citicorp Mortgage Securities, Inc.                              Series 2001-7
Citicorp Mortgage Securities, Inc.                              Series 2001-8
Citicorp Mortgage Securities, Inc.                              Series 2001-9
Citicorp Mortgage Securities, Inc.                              Series 2001-10
Citicorp Mortgage Securities, Inc.                              Series 2001-11
Citicorp Mortgage Securities, Inc.                              Series 2001-12
Citicorp Mortgage Securities, Inc.                              Series 2001-13
Citicorp Mortgage Securities, Inc.                              Series 2001-14
Citicorp Mortgage Securities, Inc.                              Series 2001-15
Citicorp Mortgage Securities, Inc.                              Series 2001-16
Citicorp Mortgage Securities, Inc.                              Series 2001-17
Citicorp Mortgage Securities, Inc.                              Series 2001-18

Salomon Brothers Mortgage Securities VII, Inc.
Salomon Mortgage Loan Trust                                     Series 2001-CPB1

Citicorp Mortgage Securities, Inc.                              Series 2002-1
Citicorp Mortgage Securities, Inc.                              Series 2002-2
Citicorp Mortgage Securities, Inc.                              Series 2002-3
Citicorp Mortgage Securities, Inc.                              Series 2002-4
Citicorp Mortgage Securities, Inc.                              Series 2002-5
Citicorp Mortgage Securities, Inc.                              Series 2002-6
Citicorp Mortgage Securities, Inc.                              Series 2002-7
Citicorp Mortgage Securities, Inc.                              Series 2002-8
Citicorp Mortgage Securities, Inc.                              Series 2002-9
Citicorp Mortgage Securities, Inc.                              Series 2002-10
Citicorp Mortgage Securities, Inc.                              Series 2002-11
Citicorp Mortgage Securities, Inc.                              Series 2002-12

                                       5