10-K/A 1 wf0014.txt YEAR 2000 10-K/A SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K/A Amendment No.1 (Mark One) / x / ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2000 or / / TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File No.: 333-65481-49 Wells Fargo Asset Securities Corporation Mortgage Pass-Through Certificates Series 2000-14 Trust (Exact name of registrant as specified in its charter) New York 52-2307272 (State or other jurisdiction (I.R.S. Employer of incorporation or Identification No.) organization) c/o Wells Fargo Bank Minnesota, N.A. 9062 Old Annapolis Road Columbia, Maryland 21045 (Address of principal executive offices) (ZIP Code) Registrant's telephone number, including area code: (410) 884-2000 Securities to be registered pursuant to Section 12(b) of the Act: NONE Securities to be registered pursuant to Section 12(g) of the Act: NONE Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes X No ___ This Amendment No. 1 on Form 10-K/A amends Item 14 of the original Annual Report on Form 10-K (the "Original Form 10-K") filed on March 28, 2001, on behalf of Wells Fargo Asset Securities Corporation Series 2000-14 Trust established pursuant to the Pooling and Servicing Agreement among Wells Fargo Asset Securities Corporation as Seller and Wells Fargo Bank Minnesota, National Association as Master Servicer and United States Trust Company of New York as Trustee and First Union National Bank as Trust Administrator, pursuant to which the Wells Fargo Asset Securities Corporation Series 2000-14 Trust registered under the Securities Act of 1933 (the "Certificates") were issued. Item 14 of the original Form 10K is amended in its entirety to read as follows: Item 14. Exhibits, Financial Statement Schedules, and Reports on Form 8-K. (a) Exhibits (99.1) Annual Independent Accountants' Servicing Reports concerning servicing activities for the year ended December 31, 2000. a) Hibernia National Bank b) HSBC Bank, USA c) Branch Banking & Trust d) Washington Mutual, Inc. e) Old Kent Mortgage Company f) Colonial S&L Association g) CUNA h) Homeside Lending, Inc (FL) i) First Nationwide Mortgage Corporation j) National City Mortgage k) Chevy Chase FSB l) First Union Mortgage Corporation m) Huntington Mortgage Company n) Countrywide Funding o) First Horizon Home Loan Corporation (99.2) Report of Management as to Compliance with Minimum Servicing Standards for the year ended December 31, 2000. a) Hibernia National Bank b) HSBC Bank, USA c) Branch Banking & Trust d) Washington Mutual, Inc. e) Old Kent Mortgage Company f) Colonial S&L Association g) CUNA h) Homeside Lending, Inc (FL) i) First Nationwide Mortgage Corporation j) National City Mortgage k) Chevy Chase FSB l) First Union Mortgage Corporation m) Huntington Mortgage Company n) Countrywide Funding o) First Horizon Home Loan Corporation (99.3) Annual Statements of Compliance under the Pooling and Servicing Agreements for the year ended December 31, 2000. a) Hibernia National Bank b) HSBC Bank, USA c) Branch Banking & Trust d) Washington Mutual, Inc. e) Old Kent Mortgage Company f) Colonial S&L Association g) CUNA h) Homeside Lending, Inc (FL) i) First Nationwide Mortgage Corporation j) National City Mortgage k) Chevy Chase FSB l) First Union Mortgage Corporation m) Huntington Mortgage Company n) Countrywide Funding o) First Horizon Home Loan Corporation (99.4) Aggregate Statement of Principal and Interest Distributions to Certificate Holders. (b) On December 21, 2000, a report on Form 8-K was filed in order to provide the Pooling and Servicing Agreement for the Certificates. No other reports on Form 8-K have been filed during the last quarter of the period covered by this report. (c) Not applicable. (d) Omitted. Filed herewith. Previously filed. Such document is not filed herewith since document was not recieved by the reporting person. SIGNATURE Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized: Wells Fargo Asset Securities Corporation Mortgage Pass-Through Certificates Series 2000-14 Trust Signed: Wells Fargo Bank Minnesota, N.A., as Master Servicer By: Beth Belfield, Assistant Vice President By: /s/ Beth Belfield, Assistant Vice President Dated: July 10, 2002 Exhibit Index Exhibit No. 99.1 Annual Independent Accountants' Servicing Reports concerning servicing activities for the year ended December 31, 2000. a) Hibernia National Bank b) HSBC Bank, USA c) Branch Banking & Trust d) Washington Mutual, Inc. e) Old Kent Mortgage Company f) Colonial S&L Association g) CUNA h) Homeside Lending, Inc (FL) i) First Nationwide Mortgage Corporation j) National City Mortgage k) Chevy Chase FSB l) First Union Mortgage Corporation m) Huntington Mortgage Company n) Countrywide Funding o) First Horizon Home Loan Corporation 99.2 Report of Management as to Compliance with Minimum Servicing Standards for the year ended December 31, 2000. a) Hibernia National Bank b) HSBC Bank, USA c) Branch Banking & Trust d) Washington Mutual, Inc. e) Old Kent Mortgage Company f) Colonial S&L Association g) CUNA h) Homeside Lending, Inc (FL) i) First Nationwide Mortgage Corporation j) National City Mortgage k) Chevy Chase FSB l) First Union Mortgage Corporation m) Huntington Mortgage Company n) Countrywide Funding o) First Horizon Home Loan Corporation 99.3 Annual Statements of Compliance under the Pooling and Servicing Agreements for the year ended December 31, 2000. a) Hibernia National Bank b) HSBC Bank, USA c) Branch Banking & Trust d) Washington Mutual, Inc. e) Old Kent Mortgage Company f) Colonial S&L Association g) CUNA h) Homeside Lending, Inc (FL) i) First Nationwide Mortgage Corporation j) National City Mortgage k) Chevy Chase FSB l) First Union Mortgage Corporation m) Huntington Mortgage Company n) Countrywide Funding o) First Horizon Home Loan Corporation 99.4 Aggregate Statement of Principal and Interest Distributions to Certificate Holders. Filed herewith. Previously filed. Such document is not filed herewith since document was not received by the reporting person. EX-99.1 (a) ERNST&YOUNG (logo) Ernst& Young LLP 200 One Shell Square 701 Poydras Street New Orleans Louisiana 70139-9869 Phone: (504) 581-4200 www.ey.com Report of Independent Accountants on Report on Management's Assertion on Compliance with Minimum Servicing Standards Set Forth in the Uniform Single Attestation Program for Mortgage Bankers The Directors' Audit Committee Hibernia Corporation We have examined management's assertion, included in the accompanying report titled Report of Management, that Hibernia National Bank (the Company), a wholly owned subsidiary of Hibernia Corporation, complied with the minimum servicing standards set forth in the Mortgage Bankers Association of America's Uniform Single Attestation Program for Mortgage Bankers (USAP) during the year ended December 31, 2000. Management is responsible for the Company's compliance with those requirements. Our responsibility is to express an opinion on management's assertions about the Company's compliance based on our examination. Our examination was made 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 those requirements 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 specified requirements. In our opinion, management's assertion that the Company complied with the aforementioned requirements during the year ended December 31, 2000, is fairly stated, in all material respects. This report is intended solely for the information and use of the Directors' Audit Committee, management, and the U.S. Department of Housing and Urban Development and is not intended to be and should not be used by anyone other than these specified parties. March 26, 2001 EX-99.1 (b) KPMG (logo) 12 Fountain Plaza, Suite 601 Buffalo, NY 14202 Independent Accountants' Report The Board of Directors HSBC Bank USA: We have examined management's assertion about HSBC Mortgage Corporation (USA)'s compliance 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, 2000 included in the accompanying Management Assertion. Management is responsible for HSBC Mortgage Corporation (USA)'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 HSBC Mortgage Corporation (USA)'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 HSBC Mortgage Corporation (USA)'s compliance with the minimum servicing standards. In our opinion, management's assertion that HSBC Mortgage Corporation (USA) has complied in all material respects with the aforementioned minimum servicing standards as of and for the year ended December 31, 2000 is fairly stated, in all material respects. Buffalo, New York February 13, 2001 EX-99.1 (c) ARTHUR ANDERSEN (logo) Report of Independent Public Accountants To BB&T Corporation: We have examined management's assertion about BB&T 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) and that BB&T Corporation had in effect a fidelity bond and errors and omissions policy in the amount of $30,000,000 and $25,000,000, respectively, as of December 31, 2000, included in the accompanying report of management. Effective April 1, 2000, BB&T Corporation increased its errors and omissions policy from $20,000,000 to $25,000,000. Management is responsible for BB&T Corporation's compliance with those minimum servicing standards and for maintaining a fidelity bond and errors and omissions policy. Our responsibility is to express an opinion on management's assertion 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 BB&T 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 BB&T Corporation's compliance with the minimum servicing standards. In our opinion, management's assertion that BB&T Corporation complied with the aforementioned minimum servicing standards and that BB&T Corporation had in effect a fidelity bond and errors and omissions policy in the amount of $30,000,000 and $25,000,000, respectively, as of December 31, 2000, is fairly stated, in all material respects. Charlotte, North Carolina, January 26, 2001. EX-99.1 (d) Deloitte & Touche LLP Suite 4500 700 Fifth Avenue Seattle Washington 98104-5044 Tel: (206) 292-1800 Fax: (206) 343-7809 Deloitte &Touche (logo) INDEPENDENT ACCOUNTANTS' REPORT ON COMPLIANCE WITH UNIFORM SINGLE ATTESTATION PROGRAM FOR MORTGAGE BANKERS Audit Committee of the Board of Directos Washington Mutual, Inc. We have examined management's assertion about Washington Mutual, Inc'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 in December 31, 2000, 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 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, 2000, is fairly stated, in all material respects. EX-99.1 (e) ARTHURANDERSEN (logo) INDEPENDENT ACCOUNTANT'S REPORT To the Shareholder and The Board of Directors of Old Kent Mortgage Services, Inc.: We have examined management's assertion about Old Kent Mortgage Services, Inc.'s compliance with the minimum servicing standards identified in the Mortgage Bankers Association of America's Uniform Single Attestation Program for Mortgage Bankers (USAP) and that Old Kent Mortgage Services, Inc. had in effect a fidelity bond and errors and omissions policy in the amount of $50,000,000 and $20,000,000, respectively as of and for the year ended December 31, 2000 included in the accompanying Management Representation Letter. Management is responsible for Old Kent Mortgage Services, Inc.'s compliance with those minimum servicing standards and for maintaining a fidelity bond and errors and omissions policy. Our responsibility is to express an opinion on management's assertion 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 Old Kent Mortgage Services, Inc.'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 Old Kent Mortgage Services, Inc.'s compliance with the minimum servicing standards. In our opinion, management's assertion that Old Kent Mortgage Services, Inc. complied with the aforementioned minimum servicing standards and that Old Kent Mortgage Services, Inc. had in effect a fidelity bond and errors and omissions policy in the amount of $50,000,000 and $20,000,000, respectively as of and for the year ended December 31, 2000 is fairly stated, in all material respects. Chicago, Illinois March 16, 2001 EX-99.1 (f) PRICEWATERHOUSECOOPERS (logo) PricewaterhouseCoopers LLP 301 Commerce Street City Center Tower 11 Suite 1900 Fort Worth TX 76102-4183 Telephone (817) 810 9998 Facsimile (817) 877 2260 (817) 332 2710 Report of Independent Accountants Board of Directors Colonial Savings, F.A. Fort Worth, Texas We have examined management's assertion about Colonial Savings, FA.(the Company's) compliance with the minimum 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 September 30, 2000, included in the accompanying management assertion (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 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 September 30, 2000 is fairly stated, in all material respects. November 22, 2000 EX-99.1 (h) KPMG (logo) Suite 2700, Independent Square One Independent Drive PO. Box 190 Jacksonville, FL 32201-0190 Independent Auditors' Report 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, 2000, included in the accompanying management assertion letter dated December 1, 2000. 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, 2000 is fairly stated, in all material respects. December 1, 2000 EX-99.1 (i) KPMG (logo) 1660 International Drive McLean, VA 22102 Independent Auditors' Report The Board of Directors First Nationwide Mortgage Corporation: We have examined management's assertion about First Nationwide Mortgage Corporation's (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, as of and for the year ended December 31, 2000 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 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 has complied in all material respects with the aforementioned minimum servicing standards as of and for the year ended December 31, 2000 is fairly stated, in all material respects. January 16, 2001 EX-99.1 (j) ERNST&YOUNG (logo) Ernst & Young LLP 1300 Huntington Building 925 Euclid Avenue Cleveland, Ohio 44115-1405 Phone: (216) 861-5000 www.ey.com Report on Management's Assertion on Compliance with Minimum Servicing Standars Set Forth in the Uniform Single Attestation Program for Mortgage Bankers Report of Independent Accountants Board of Directors National City Mortgage Co. We have examined management's assertion, included in the accompanying report titled Report of Management, that National City Mortgage Co. (NCM) complied with the minimum servicing standards set forth in the Mortgage Bankers Association of America's Uniform Single Attestation Program for Mortgage Bankers (USAP) during the year ended December 31, 2000. Management is responsible for NCM's compliance with those requirements. Our responsibility is to express an opinion on management's assertions about NCM'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 NCM's compliance with those requirements and perfon-ning 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 NCM's compliance with specified requirements. In our opinion, management's assertion, that NCM complied with the aforementioned requirements during the year ended December 31, 2000, is fairly stated, in all material respects. This report is intended solely for the information and use of the audit committee, management, Federal Home Loan Mortgage Corporation, Federal National Mortgage Association, Government National Mortgage Association and NCM private investors and is not intended to be and should not be used by anyone other than these specified parties. February 2, 2001 EX-99.1 (k) ARTHURANDERSEN (logo) INDEPENDENT ACCOUNTANT'S REPORT To the Board of Directors of Chevy Chase Bank, F.S.B.: We have examined management's assertion about Chevy Chase Bank, F.S.B.'s compliance with the minimum servicing standards identified in the Mortgage Bankers Association of America's Uniform Single Attestation Program for Mortgage Bankers (USAP) and that Chevy Chase Bank, F.S.B. had in effect a fidelity bond and errors and omissions policy in the amount of $40,000,000 and $10,000,000, respectively, as of and for the year ended September 30, 2000 included in the accompanying Management's Assertion on the Mortgage Bankers Association of America's Minimum Servicing Requirements. Management is responsible for Chevy Chase Bank, F.S.B.'s compliance with those minimum servicing standards and for maintaining a fidelity bond and errors and omissions policy. Our responsibility is to express an opinion on management's assertion 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 Chevy Chase Bank, F.S.B.'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 Chevy Chase Bank, F.S.B.'s compliance with the minimum servicing standards. In our opinion, management's assertion regarding Chevy Chase Bank, F.S.B.'s compliance with the aforementioned minimum servicing standards and that Chevy Chase Bank, F.S.B. had in effect a fidelity bond and errors and omissions policy in the amount of $40,000,000 and $10,000,000, respectively, as of and for the year ended September 30, 2000 is fairly stated, in all material respects. Vienna, VA December 7, 2000 EX-99.1 (l) KPMG (logo) 401 South Tryon Street Suite 2300 Charlotte, NC 28202-1911 Independent Accountants' Report The Board of Directors First Union Mortgage Corporation We have examined management's assertion, included in the accompanying management assertion, that First Union Mortgage Corporation (a wholly-owned subsidiary of First Union Corporation) materially 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, 2000. Management is responsible for First Union Mortgage Corporation's compliance with those minimum servicing standards. Our responsibility is to express an opinion on management's assertion about First Union Mortgage Corporation'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 First Union 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 First Union Mortgage Corporation's compliance with the minimum servicing standards. In our opinion, management's assertion that First Union Mortgage Corporation complied in all material respects with the aforementioned minimum servicing standards as of and for the year ended December 31, 2000 is fairly stated, in all material respects. March 20, 2001 KPMG LLP. KPMG LLP, a U.S. limited liability partnership, is a member of KPMG International, a Swiss association. EX-99.1 (m) ERNST&YOUNG (logo) Ernst&Young LLP 1100 Huntington Center 41 South High Street Columbus, Ohio 43215 Phone: (614) 224-5678 Fax: (614) 222-3939 Report of Independent Accountants Board of Directors The Huntington Mortgage Company We have examined management's assertion, included in the accompanying report titled Report of Management, that The Huntington Mortgage Company (HMC), a wholly-owned subsidiary of The Huntington National 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) dming the year ended December 31, 2000. Management is responsible for HMC's compliance with those requirements. Our responsibility is to express an opinion on management's assertion about HMC'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 HMC's compliance with those requirements 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 HMC's compliance with specified requirements, In our opinion, management's assertion that HMC complied with the aforementioned requirements during the year ended December 31, 2000 is fairly stated, in all material respects. This report is intended solely for the information and use of the board of directors, management, Federal Home Loan Mortgage Corporation, Federal National Mortgage Association, and HMC's private investors, and is not intended to be and should not be used by anyone other than these specified parties. March 6, 2001 EX-99.1 (n) Grant Thornton (logo) Accountants and Management Consultants Grant Thornton LLP The US Member Firm of Grant Thornton International 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 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.) ("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 February 28, 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 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 Credit Industries, Inc. and Subsidiaries (which includes wholly-owned subsidiary, Countrywide Home Loans, Inc.) complied with the aforementioned minimum servicing standards as of and for the year ended February 28, 2001 is fairly stated, in all material respects. Los Angeles, California March 16, 2001 EX-99.1 (o) ARTHURANDERSEN (logo) REPORT OF INDEPENDENT PUBLIC ACCOUNTANTS To the Stockholder of First Tennessee Mortgage Services, Inc.: We have examined management's assertion about First Tennessee Mortgage Services, Inc.'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) and that the Company had in effect a fidelity bond policy in the amount of $70,000,000 and an errors and omissions policy in the amount of $50,000,000 as of and for the year ended December 31, 2000, included in the accompanying management assertion letter. Management is responsible for the Company's compliance with those minimum servicing standards and for maintaining a fidelity bond and errors and omissions policy. Our responsibility is to express an opinion on management's assertion about the Company's compliance with the minimum servicing standards and maintenance of a fidelity bond and errors and omissions policy based on our exammation. 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, except for the matters disclosed there in, management's assertion that the Company complied with the aforementioned minimum servicing standards and that the Company had in effect a fidelity bond policy in the amount of $70,000,000 and an errors and omissions policy in the amount of $50,000,000 as of and for the year ended December 31, 2000, is fairly stated, in all material respects. Memphis, Tennessee, February 16, 2001. EX-99.2 (a) HIBERNIA (logo) MEMBER FDIC MANAGEMENT ASSERTION As of and for the period ended December 31, 2000, Hibernia National Bank 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, Hibernia National Bank had in effect a fidelity bond and errors and omissions policy. Refer to the enclosed certificates for the specific amounts. Gerald J. Lachney Assistant Vice President September 13, 2001 HIBERNIA NATIONAL BANK * POST OFFICE BOX 481 * BATON ROUGE, Los Angeles 70821 * 225-381-2000 EX-99.2 (b) HSBC (logo) Management Assertion As of and for the year ended December 31, 2000, HSBC Mortgage Corporation (USA) 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, HSBC Mortgage Corporation (USA) had in effect fidelity bond and errors and omissions policies in the amount of $508,000,000 and $50,000,000 respectively. David J. Hunter President Daniel B. Duggan SVP, Secondary Marketing Susan Wojnar SVP, Mortgage Servicing HSBC Mortgage Corporation (USA) 2929 Walden Avenue, Depew, NY 14043 EX-99.2 (c) BB&T (logo) Branch Banking & Trust Co. of South Carolina P.O. Box 408 Greenville, SC 29602-0408 (864) 242-8585 (800) 295-5744 Management Assertion March 10, 2001 Arthur Anderson LLP 100 North Tryon Street Suite 3800 Charlotte, NC 28202-4000 As of and for the twelve months ended December 31, 2000, BB&T 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. As of and for this same period, BB&T Corporation had in effect a fidelity bond in the amount of $30,000,000 and errors and omissions policy in the amount of $25,000,000, Timothy Y. Day Senior Vice President, Mortgage Loan Servicing EX-99.2 (d) Washington, Mutual (logo) Loan Servicing 9451 Corbin Ave M/S* N010101 Northridge, CA 91324 As of and for the 12 months ended December 31, 2000, Washington Mutual, Inc. (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 amounts of $110 million and S50 million, respectively. Craig S. Davis Davi Imig President Senior Vice President Washington Mutual Home Loans & Loan Servicing Insurance Services Group February 23, 2001 EX-99.2 (e) OLD KENT (logo) Old Kent Mortgage Company 4420 44th Street SE, Suite B Grand Rapids, MI 49S12-4011 As of and for the year ended December 31, 2000, Old Kent Mortgage Services, Inc. has complied with the minimum servicing standards set forth in the Mortgage Banking Association of America's Uniform Single Attestation Program for Mortgage Bankers. As of and for this same period, OKMS had in effect a fidelity bond coverage and errors and omissions policy in the amount of $50,000,000 and $20,000.000. respectively. Donald Britton Maijorie M. Dodd President and CEO, OKMS Chief Financial Officer, OKMS March 16,2001 March 16, 2001 EX-99.2 (f) Colonial Savings (logo) Management's Assertion Concerning Compliance With USAP Minimum Servicing Standards November 22, 2000 As of and for the year ended September 30, 2000, Colonial Savings, F.A. ("Colonial") has 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, Colonial had in effect fidelity bond and errors and omissions policy in the amounts of $7,500,000 and $7,500,000, respectively. Jim E. DuBose President/CE0 Donna Dempsey EVP/Chief Financial Officer 2626A West Freeway Fort Worth, Texas 76102 817/390-2000 EX-99.2 (h) HOMESIDE LENDING, INC. (logo) Management Assertion Letter As of and for the year ended September 30, 2000, HomeSide Lending, Inc. and subsidiaries 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, HomeSide Lending had in effect a fidelity bond and errors and omissions policy in the amount of $76 million and $20 million, respectively. William Glasgow, Jr. December 1, 2000 Post Office Box 45298, Jacksonville, FL 32232-5298 1-800-874-0209 EX-99.1 (i) Management Assertion As of and for the year ended December 31, 2000, First Nationwide 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 $125 million and $120 million, respectively. Signature Executive Vice President Title 03-12-01 Date EX-99.2 (j) National City Mortgage Co. 3232 Newmark Drive Miamisburg, Ohio 45342 Telephone (937) 910-1200 Mailing Address: P.O. Box 1820 Dayton, Ohio 45401-1820 Management's Assertion on Compliance with Minimum Servicing Standards Set Forth in the Uniform Single Attestation Programfor Mortgage Bankers Report of Management We, as members of management of National City Mortgage Co., (NCM), are responsible for complying with the minimum servicing standards as set forth in the Mortgage Bankers Association of America's Uniform Single Attestation Program for Mortgage Bankers (USAP). We are also responsible for establishing and maintaining effective internal control over compliance with these standards. We have performed an evaluation of NCM's compliance with the minimum servicing standards as set forth in the USAP as of December 31, 2000 and for the year then ended. Based on this evaluation, we assert that during the year ended December 31, 2000, NCM complied, in all material respects, with the minimum servicing standards set forth in the USAP. As of and for this same period, NCM had in effect a fidelity bond and errors policy in the amount of $70 million and an omissions policy in the amount of $40 million. T. Jack Case Jr., Executive Vice President February 2. 2001 EX-99.2 (k) CHEVY CHASE BANK Chevy Chase Bank 8401 Connecticut Avenue Chevy Chase, Maryland 20815 Management's Assertion on the Mortgage Bankers Association of America's Minimum Servicing Requirements As of and for the year ended September 30, 2000, Chevy Chase Bank, F.S.B. (The "Bank") has complied with the minimum servicing standards set forth in the Mortgage Bankers Association of America's Uniform Single Attestation Program for Mortgage Bankers, except for the requirement to maintain a minimum mortgage servicing errors and omissions insurance coverage. On September 30, 2000, Chevy Chase Bank, F.S.B. had in effect a fidelity bond and errors and omissions policy in the amount of $40,000,000 and $l0,000,000, respectively. On September 30, 2000, the Bank had a mortgage servicing errors and omissions insurance coverage requirement of $10,569,000. Subsequent to September 30, 2000, management retroactively increased the Bank's errors and omissions insurance coverage to continuously meet the minimum requirement. Alexander R.M. Boyle Vice Chairman of the Board Stephen R. Halpin, Jr. Executive Vice President and Chief Financial Officer Vicki L. Parry Vice President December 7, 2000 EX-99.2 (l) FIRST UNION (logo) First Union Mortgage Corporation NC1087 201 South College Street Charlotte, NC 28288-1087 Tel 704 374-6787 MANAGEMENT'S ASSERTION As of and for the year ended December 31, 2000, First Union 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. As of and for the year ended December 31, 2000, First Union Mortgage Corporation had in effect a fidelity bond and errors and omissions policy in the amount of $200 million and $20 million, respectively. Debra M. Warren, President/ March 20, 2001 Chief Executive Officer Date Debbie Craig, Sr. Vice President/ March 20, 2001 Chief Financial Officer Date Tim Schuck, Vice President/ March 20, 2001 Director of Servicing Date Joseph F. DeDominicis, Vice President/ March 20, 2001 Operational and Credit Risk Manager Date EX 99.2 (m) Huntington Mortgage Company (logo) Report of Management We, as members of management of The Huntington Mortgage Company (HMC), a wholly-owned subsidiary of The Huntington National Bank, are responsible for complying with the minimum servicing standards as set forth in the Mortgage Bankers Association of America's Uniform Single Attestation Program for Mortgage Bankers (USAP). We are also responsible for establishing and maintaining effective internal control over compliance with these standards. We have performed an evaluation of HMC's compliance with the minimum servicing standards as set forth in the USAP as of December 31, 2000 and for the year then ended. Based on this evaluation, we assert that during the year ended December 31, 2000, HMC complied, in all material respects, with the minimum servicing standards set forth in the USAP. As of and for this same period, HMC had in effect a fidelity bond in the amount of $70,000,000 and an errors and omissions policy in the amount of $10,000,000. Thomas J. Finnegan III President and Chief Executive Officer Irving A. Adler Senior Vice President March 6, 2001 EX-99.2 (n) Countrywide (logo) 4500 Park Granda Calabasas, CA 91302 (818)225-3000 March 16, 2001 Grant Thornton LLP 1000 Wilshire Boulevard, Suite 300 Los Angeles, CA 90017 Gentlemen: As of and for the year ended February 28, 2001, Countrywide Credit Industries, Inc. and Subsidiaries (which includes its wholly-owned subsidiary, Countrywide Home Loans, Inc.) ("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 and errors and omissions policy in the amount of $230,000,000. Carlos M. Garcia Senior Managing Director, Chief Financial Officer EX-99.2 (o) FIRST HORIZON (logo) HOME LOANS Arthur Andersen L.L.P. 100 Peabody Place, Suite 1100 Memphis, TN 38103-3625 Dear Sirs: As of and for the year ended December 31, 2000, First Horizon Home Loan Corporation and its wholly-owned subsidiary, First Tennessee Mortgage Services, Inc. (the "Company") has complied in all material respects, except for the matters disclosed in Exhibit 1, with the minimum servicing standards set forth in the Mortgage Bankers Association of America's Uniform Sinqle Attestation Program for Mortgage Bankers. As of and for this same period, the Company had in effect a fidelity bond policy in the amount of $70,000,000 and an errors and omissions policy in the amount of $50,000,000. Peter F. Makowiecki Chief Financial Officer February 16, 2001 EX-99.3 (a) HIBERNIA (logo) MEMBER FDIC Wells Fargo Bank Minnesota, N.A. 11000 Broken Land Parkway Columbia, MD 21044-3562 Attention: Master Servicing RE: Officer's Certificate Dear Master Servicer: The undersigned Officer certifies the following for the 2000 fiscal year: (A) I have reviewed the activities and performance of the Servicer during the preceding fiscal year under the terms of the Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide and to the best of these Officers' knowledge, the Servicer has fulfilled all of its duties, responsibilities or obligations under these Agreements throughout such year, or if there has been a default or failure of the servicer to perform any of such duties, responsibilities or obligations, a description of each default or failure and the nature and status thereof has been reported to Wells Fargo Bank Minnesota, N.A.; (B) I have confirmed that the Servicer is currently an approved FNMA or FHLMC servicer in good standing; (C) I have confirmed that the Fidelity Bond, the Errors and Omissions Insurance Policy and any other bonds required under the terms of the Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide are in full force and effect; (D) All premiums for each Hazard Insurance Policy, Flood Insurance Policy (if applicable) and Primary Mortgage Insurance Policy (if applicable), with respect to each Mortgaged Property, have been paid and that all such insurance policies are in full force and effect; (E) All real estate taxes, governmental assessments and any other expenses accrued and due, that if not paid could result in a lien or encumbrance on any Mortgaged Property, have been paid, or if any such costs or expenses have not been paid with respect to any Mortgaged Property, the reason for the non-payment has been reported to Wells Fargo Bank Minnesota, N.A.; (F) All Custodial Accounts have been reconciled and are properly funded; and (G) All annual reports of Foreclosure and Abandonment of Mortgage Property required per section 6050H, 6050J and 6050P of the Internal Revenue Code, respectively, have been prepared and filed. Certified By: Officer Sr. Vice President Title 3/30/01 Date EX-99.3 (b) HSBC (logo) Wells Fargo Bank Minnesota, N.A 11000 Broken Land Parkway Columbia, MD 21044-3562 Attn: Master Servicing RE: Officer's Certificate Dear Master Servicer: The undersigned Officer certifies the following for the 2000 fiscal year: (A) I have reviewed the activities and performance of the Servicer during the preceding fiscal year under the terms of the Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide and to the best of these Officers' knowledge, the Servicer has fulfilled all of its duties, responsibilities or obligations under these Agreements throughout such year, or if there has been a default or failure of the Servicer to perform any of such duties, responsibilities or obligations, a description of each default or failure and the nature and status thereof has been reported to Wells Fargo Bank Minnesota, N.A.; (B) I have confirmed that the Servicer is currently an approved FNMA or FHLMC Servicer in good standing; (C) I have confirmed that the Fidelity Bonds, the Errors and Omissions Insurance Policy and any other bonds required under the terms of the Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide are in full force and effect; (D) All premiums for each Hazard Insurance Policy, Flood Insurance Policy (if applicable) and Primary Mortgage Insurance Policy (if applicable), with respect to each Mortgaged Property, have been paid and that all such insurance policies are in full force and effect; (E) All real estate taxes, governmental assessments and any other expenses accrued and due, that if not paid could result in a lien or encumbrance on any Mortgaged Property, have been paid, or if any such costs or expenses have not been paid with respect to any Mortgaged Property, the reason for the nonpayment has been reported to Wells Fargo Bank Minnesota, N.A.; (F) All Custodial Accounts have been reconciled and are properly funded; and (G) All annual reports of Foreclosure and Abandonment of Mortgage Property required per section 6050H, 6050J, and 6050P of the Internal Revenue Code, respectively, have been prepared and filed. Certified By: Officer Title EX-99.3 (c) BB&T (logo) Branch Banking & Trust Co. of South Carolina Mortgage P.O. Box 408 Greenville, SC 29602-0408 (864) 242-8585 (800) 295-5744 March 10, 2001 ANNUAL SERVICING CERTIFICATION In connection with those loans serviced by Branch Banking and Trust, for WELLS FARGO MINNESOTA, we hereby certify that: 1. All real estate taxes, special assessments and any charges that may become a lien upon the property and which came due in the last calendar year have been paid. 2. All FHA insurance premiums or private mortgage insurance premiums, if applicable, have been paid and are in full force and effect. 3. All properties are adequately insured and that Mortgagee's interest or their assigns is properly provided for the first mortgagee clause. This includes both flood and hazard insurance. 4. All interest and/or monthly payment adjustments for ARM loans have been made in accordance with mortgage terms and all rate calculations and rate change notifications have been sent to Investor in a timely fashion. 5. Any exceptions to this certification are listed on an attachment along with an explanation concerning their completion. If there are none it is so stated on the bottom of this certification. 6. For these loans being escrowed for the payment of taxes, flood, optional and hazard insurance, sufficient amounts are being collected monthly to provide for payment of future items. 7. All legal documents are being held in BB&T Trust Department. 8. We have complied with Internal Revenue code regulations (Section H and 6050J) reporting interest to each mortgagor via Form 1098 and reporting to Internal Revenue Service via Form 1099-A. By: Timothy Y. Day Sr. Vice President Mortgage Loan Servicing Manager TYD/cf EX-99.3 (d) Washington Mutual (logo) OFFICER'S CERTIFICATE The undersigned Officer certifies the following for the 2000 fiscal year: A. I have reviewed the activities and performances of the Servicer during the preceding fiscal year under the terms of the Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide and to the best of this Officers' knowledge, the Servicer has fulfilled all of its duties, responsibilities or obligations under these Agreements throughout such year. B. I have confirmed that the Servicer is currently an approved FNMA or FHLMC Servicer in good standing: C. I have confirmed that the Fidelity Bond, the Errors and Omissions Insurance Policy and any other bonds required under the terms of the Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide are in full force and effect: D. All premiums for each Hazard Insurance policy, Flood Insurance Policy (if applicable) and Primary Mortgage Insurance Policy (if applicable), with respect to each Mortgaged Property, have been paid and that all such insurance policies are in full force and effect: E. All real estate taxes, government assessments and any other expenses accrued and due, that if not paid could result in a lien or encumbrance on any Mortgaged Property have been paid. All Custodial Accounts have been reconciled and are properly funded: and F. All annual reports of Foreclosure and Abandonment of Mortgage Property required per section 6050H, 6050J and 6050P of the Internal Revenue Code, respectively, have been prepared and filed. Certified By: John Mac Lean Vice President Title March 6, 2001 Date EX-99.3 (f) Colonial (logo) Savings ANNUAL CERTIFICATE FOR THE Wells Fargo Bk MN, N.A. INVESTOR # 3146, 3164, 3173, 3532, 3337, 3409, 3531, 3743 In accordance with the Sale and Servicing Agreement for the referenced program, I, the undersigned, hereby certify as to each mortgage loan being serviced by the below named institution that as of the preceding anniversary date of the Agreement: 1. As an "Officer" of the below named institution as such term is defined in the Agreement and being authorized to issue this Annual Certificate. 2. All real estate taxes and special assessments of any nature, relating to the mortgage loans, have been paid as and when due. 3. The insurance policies are fully paid and comply with the Agreement. 4. Analysis has been made to insure sufficient monies are being collected in escrow for the current year. 5. All inspections have been made as required by the Agreement. It is further certified that, A. To the best of my knowledge and upon reasonable investigation, the servicing of the mortgage loans during the year preceding the last Anniversary date of the Agreement has been conducted in compliance with the Agreement except for such exceptions as have been setforth below: EXCEPTIONS: (if any) B. A review of activities with respect to performance under the Agreement during the year preceding the last anniversary date of the Agreement has been made under my supervision and to the best of my knowledge, based on such review, no default exists as of the above date in the fufillment of any obligations under the Agreement other than the events of default, if any, which have been listed below with the nature and status thereof: EVENTS OF DEFAULT: (if any): PARTCIPANT: COLON1AL SAVINGS, F.A. SIGNED: TITLE: Cary W. Adams, Senior Vice President * Dated: December 31, 2000 EX-99.3 (g) CUNA Mutual Mortgage (logo) Corporation March 23, 2001 Wells Fargo Bank Minnesota, NA 11000 Broken Land Parkway Columbia, MD 21044-3562 Attention: Master Servicing RE: Officer's Certificate Dear Master Servicer: The undersigned Officer certifies the following for the 2000 fiscal year. (A) I have reviewed the activities and performance of the Servicer during the preceding fiscal year under the terms of the Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide and to the best of these Officers' knowledge, the Servicer has fulfilled all of its duties, responsibilities or obligations under these Agreements throughout such year, or if there has been a default or failure of the servicer to perform any of such duties, responsibilities or obligations, a description of each default or failure and the nature and status thereof has been reported to Wells Fargo Bank Minnesota, N.A; (B) I have confirmed that the Servicer is currently an approved FNMA or FHLMC servicer in good standing; (C) I have confirmed that the Fidelity Bond, the Errors and Omissions Insurance Policy and any other bonds required under the terms of the Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide are in full force and effect; (D) All premiums for each Hazard Insurance Policy, Flood Insurance Policy (if applicable) and Primary Mortgage Insurance Policy (if applicable), with respect to each Mortgaged Property, have been paid and that all such insurance policies are in full force and effect; (E) All real estate taxes, governmental assessments and any other expenses accrued and due, that if not paid could result in a lien or encumbrance on any Mortgaged Property, have been paid, or if any such costs or expenses have not been paid with respect to any Mortgaged Property, the reason for the non-payment has been reported to Wells Fargo Bank Minnesota, NA; (F) All Custodial Accounts have been reconciled and are properly funded; and (G) All annual reports of Foreclosure and Abandonment of Mortgage Property required per section 6050H 60503 and 6050P of the Internal Revenue Code respectively, have been prepared and filed. Certified By: Officer: Stephen P. Renock, IV Title: President & CEO Date: March 23, 2001 CUNA Mutual Mortgage Corporation 2908 Marketplace Dr., Suite 100 Madison, Wl 53719-5306 P.O. Box 1332 Madison, Wl 53701-1332 Tel: 800.221.2921 Fax: 608.232.6395 www.cmmort.com EX-99.3 (h) HOMESIDE (logo) LENDING, INC. June 21, 2001 Ms. Dionne Dixon Wells Fargo Bank Minnesota 11000 Broken Land Parkway Columbia, Maryland 21044 Re: Annual Officer's Certification Fiscal Year Ending September 30, 2000 Dear Ms. Dixon: HomeSide Lending, Inc.(HomeSide) has reviewed its servicing activities on the mortgage loans HomeSide services on behalf of Wells Fargo Bank Minnesota. This review was conducted for the purpose of determining if the servicer has met all servicing obligations under the agreement covering these mortgage loans. HomeSide, upon my investigation and to the best of my knowledge, has conducted its servicing activities in compliance with the agreement and is not in default in the fulfillment of any obligations of the agreement. Further, all real estate taxes and hazard insurance premiums have been paid as and when due. I apologize for the oversight in sending. Should you have any questions please contact Lynda M. Pohwat at (904)281-4705 or Impohwat@homeside.com. Sincerely, Karen Bryan Vice President EX-99.3 (i) 1ST NATIONWIDE MORTGAGE (logo) P.O. Box 9481 Gaithersburg, MD 20898-9481 Annual Certification for Fiscal Year Ending December 2000 Dear Investor: First Nationwide Mortgage Corporation hereby certifies to the best of our knowledge and belief, the following: We paid (or received evidence of payment) all taxes and assessments, and other reportable/lienable items which affect the subject properties. We paid (or received evidence of payment) for flood or other casualty insurance in an amount and form sufficient to cover indebtedness. We paid FHA or conventional mortgage insurance premiums for the mortgages we service for you, as required. All required IRS reporting has been completed in connection with interest on escrow, interest paid by mortgagors in excess of $600.00 and information returns on foreclosure and abandoned properties for the year. We properly adjusted the interest rate on adjustable rate mortgages, as required by the note and rider. We completed all property inspections, as required by our Servicing Agreement. The required fidelity bond and errors and omissions coverages are in force. We properly applied all sums relating to principal, interest, taxes, and insurance. Funds received are placed in a separate trust account until disbursed. Interest on escrow is paid as required under applicable laws, regulations or contracts that require payment on the mortgagors' escrow deposit accounts. A review of the activities during the preceding calendar year and of the performance under the Servicing Agreement has been completed and based on that review, we have fulfilled all of the obligations under that agreement. Sincerely, Deborah S. Mace First Vice President 5280 Corporate Drive, Frederick, MD 21703 EX-99.3 (J) National City (logo) Mortgage National City Mortgage Co. 3232 Newmark Drive Miamisburg, Ohio 45342 Telephone (937) 910-1200 Mailing Address: P.O. Box 1820 Dayton, Ohio 45401-1820 Wells Fargo Bank Minnesota, N. A. Attn: Master Servicing 11000 Broken Land Parkway Columbia, Maryland 21044-3562 RE: Annual Officer's Servicing Certification Dear Master Servicer: The undersigned Officer certifies the following for the 2000 fiscal year: (a) I have reviewed the activities and performance of the Servicer during the preceding fiscal year under the terms of the Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide and to the best of these Officers' knowledge, the Servicer has fulfilled all of its duties, responsibilities or obligations under these Agreements throughout such year, or if there has been a default or failure of the servicer to perform any of such duties, responsibilities or obligations, a description of each default or failure and the nature and status thereof has been reported to Wells Fargo Bank Minnesota, N.A.; (b) I have confirmed that the Servicer is currently an approved FNMA or FHLMC servicer in good standing; (c) I have confirmed that the Fidelity Bond, the Errors and Omissions Insurance Policy and any other bonds required under the terms of the Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide are in full force and effect; (d) All premiums for each Hazard Insurance Policy, Flood Insurance Policy (if applicable) and Primary Mortgage Insurance Policy (if applicable), with respect to each Mortgaged Property, have been paid and that all such insurance policies are in full force and effect; (e) All real estate taxes, governmental assessments and any other expenses accrued and due, that if not paid could result in a lien or encumbrance on any Mortgaged Property, have been paid, or if any such costs or expenses have not been paid with respect to any Mortgaged Property, the reason for the nonpayment has been reported to Wells Fargo Bank Minnesota, N.A.; (f) All Custodial Accounts have been reconciled and are properly funded; and (g) All annual reports Foreclosure and Abandonment of Mortgage Property required per section 6050H, 6050J, and 6050P of the Internal Revenue Code, respectively, have been prepared and filed. Certified By: Officer (Charles M. Abourezk) National City Mortgage Company Vice President Title March 19, 2001 Date No One Cares More! EX-99.3 (k) Chevy Chase Bank 6151 Chevy Chase Drive Laurel, Maryland 20707 December 15,2000 Wells Fargo Home Mortgage Inc. (710) 11000 Broken Land Parkway Columbia, MD 21044 ATTN Susan Gibson Subject: Annual Audited Financial Statements, Uniform Single Audit Letter and Statement of Compliance Certification (F.Y. Ending 09/30/00) In compliance with the servicing guidelines and requirements outlined in the Sale/Servicing Agreement by and between your company and Chevy Chase Bank, FSB, I hereby submit the above subject information and reports for your review as follows: (A) Enclosed is our 2000 Audited Financial Statement prepared by our independent accounting firm of Arthur Andersen, LLP, by Mr. Daniel Lasik, Audit Partner, at 8000 Towers Crescent Drive, Vienna, Virginia 22182, (703) 962-3802, ID# 36-0732690. This information is confidential and by accepting it, you agree to maintain its confidentiality. This precludes all photocopying, as well as distribution, other than for internal review purposes. (B) Enclosed is a copy of the Uniform Single Audit Letter issued by Arthur Anderson. (C) Evidence of our current Fidelity Bond and Errors and Omissions Insurance Policy Certificates showing coverage, limits of liability and deductibility was forwarded in March, 2000 by our company under separate cover by our Insurance Agent: Chevy Chase Insurance Company, 8401 Connecticut Avenue, Chevy Chase, Maryland 20815. (D) As Loan Servicing Manager and an Officer of Chevy Chase Bank, and having authorization to issue this officers certification statement, I hereby submit the following: 1. The Fidelity Bond and the Errors and Omissions Insurance Policies are in full force and effect and meet the requirements of the definitions of such terms. 2. All information pertaining to real estate transactions has been reported as required by the Internal Revenue Service. 3. All insurance premiums for each Hazard Insurance Policy, Flood Insurance Policy (if any), Primary Mortgage Insurance Policy (if any), and FHA Ceitification of Mortgage Insurance (if any) and all taxes, ground rents and other charges have been paid when due or within applicable grace periods. 4. The status of each mortgage has been reported to the major credit repositories each month. 5. All required interest rate and/or monthly payment adjustments for the ARMS and PARMS were made in accordance with the mortgage documents. 6. The officer signing this certificate has reviewed the activities and performance of the Servicer during the preceding fiscal year under the Standard Servicing Agreement and, to the best of the officer's knowledge, the Servicer has fulfilled all of its duties, responsibilities and obligations under the Standard Servicing Agreement throughout such year. Sincerely, Vicki L. Parry Vice President Mortgage Loan Servicing Division VLP:ey Enclosures EX-99.3 (l) First Union Mortgage Corporation (logo) P.O. Box 900001 Raleigh, North Carolina 27675-9001 1100 Corporate Center Drive Raleigh, North Carolina 27607-5066 Wells Fargo Bank Minnesota, N.A. 11000 Broken Land Parkway Columbia, MD 21044-3562 Attention: Master Servicing RE: Officer's Certificate Dear Master Servicer: Tbe undersigned Officer certifies the following for the 2000 fiscal year: (A) I have reviewed the activities and performance of the Servicer during the preceding fiscal year under the terms of the Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide and to the best of these Officers' knowledge, the Servicer has fulfilled all of its duties, responsibilities or obligations under these Agreements throughout such year, or if there has been a default or failure of the servicer to perform any of such duties, responsibilities or obligations, a description of each default or failure and the nature and status thereof has been reported to Wells Fargo Bank Minnesota, N.A.; (B) I have confirmed that the Servicer is currently an approved FNMA or FHLMC servicer in good standing; (C) I have confirmed that the Fidelity Bond, the Errors and Omissions Insurance Policy and any other bonds required under the terms of the Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide are in full force and effect; (D) All premiums for each Hazard Insurance Policy, Flood Insurance Policy (if applicable) and Primary Mortgage Insurance Policy (if applicable), with respect to each Mortgaged Property, have been paid and that all such insurance policies are in full force and effect; (E) All real estate taxes, governmental assessments and any other expenses accrued and due, that if not paid could result in a lien or encumbrance on any Mortgaged Property, have been paid, or if any such costs or expenses have not been paid with respect to any Mortgaged Property, the reason for the non-payment has been reported to Wells Fargo Bank Minnesota, N.A.; (F) All Custodial Accounts have been reconciled and are properly funded; and (G) All annual reports of Foreclosure and Abandonment of Mortgage Property required per section 6050H, 6050J and 6050P of the Internal Revenue Code, respectively, have been prepared and filed prepared and filed. Certified By: Officer Assistant Vice President Title 20 June 2001 Date EX-99.3 (m) Huntington Mortgage (logo) Company OFFICER'S CERTIFICATE Dear Master Servicer: The undersigned Officer certifies the following for the 2000 fiscal year: A I have reviewed the activities and performance of the Servicer during the proceeding fiscal year under the terms of the servicing agreement, Trust Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide and to the best of these Officers' knowledge, the Servicer has fulfilled all of its duties, responsibilities or obligations under these Agreements throughout such year, or if there has been a default or failure of the servicer to perform an of such duties, responsibilities or obligations, a description of each default or failure and the nature and status thereof has been reported to Wells Fargo Bank Minnesota, N.A. B I have confirmed that the Servicer is currently an approved FNMA or FHLMC servicer in good standing: C I have confirmed that the Fidelity Bond, the Errors and omission Insurance policy and any other bonds required under the terms of the Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide are in full force and effect; D All premiums for each Hazard insurance Policy, Flood Insurance Policy (if applicable) and Primary Mortgage Insurance Policy (if applicable), with respect to each Mortgaged Property, have been paid and that all such insurance policies are in full force and effect; E All real estate taxes, government assessments and any other expenses accrued and due, that if not paid could result in a lien or encumbrance on any Mortgaged Property, have been paid, or if and such costs or expenses have not been paid with respect to any Mortgaged Property, the reason for the non-payment has been reported. F All custodial Accounts have been reconciled and are properly funded; and G All annual reports of Foreclosure and Abandonment of Mortgage Property required per section 6050H, 6050J and 6050P of the Internal Revenue Code, respectively, have been prepared and filed. Certified By: Officer: Michael Greenwood Title: Vice President of Servicing 7-10-01 Date EX-99.3 (n) Countrywide (logo) HOME LOANS 400 Countrywide Way SV.44 Simi Valley, California 93065-6298 (805) 520-5100 OFFICER'S CERTIFICATE I, Joseph Candelario, hereby certify that I am the First Vice President, Loan Administration of Countrywide Home Loans, Inc., aka Countrywide Funding Corporation and further certifies the following for the fiscal year ended February 28, 2001. (A) That all premiums for each Hazard Insurance Policy, Flood Insurance policy (if applicable) and Primary Mortgage Insurance Policy (if applicable), with respect to each Mortgaged Property, have been paid and that all such insurance policies are in full force and effect. (B) That all accrued and due real estate taxes, governmental assessments and any other expenses, that if not paid could result in a lien or encumbrance on any Mortgaged Property, have been paid with respect to any Mortgaged Property, the reason for non-payment has been reported to your designated representative. (C) That the Officer signing this certificate has reviewed the activities and performance of the Servicer during the preceding fiscal year under the terms of the Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide and to the best of the Officer knowledge, the Servicer has fulfilled all of its duties, responsibilities or obligation under these Agreements throughout such year, or if there has been a default or failure of the Servicer to perform on such duties, responsibilities or obligations, a description of each default or failure and the nature and status thereof has been reported to your designated representative: (D) That this Officer has confirmed that the Fidelity Bond, the Error and Omissions Insurance Policy and any other bonds required under the terms of the Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide are in full force and effect. Joseph Candelario First Vice President Date Compliance Officer Loan Administration EX-99.3 (o) ANNUAL SERVICING CERTIFICATION In connection with the loans serviced by First Horizon Home Loans (formerly FT Mortgage Companies) during the fiscal year December 31, 2000, we confirm the following to be materially correct and accurate to the best of our knowledge, information and belief. 1. Real etate taxes, special assessments and any charges that may become a lien upon the property and which come due in the last calendar year have been paid. This also includes the verification with taxing authorities for non-escrowed mortgages. 2. FHA insurance premiums or private mortgage insurance premiums, if applicable, have been paid and are in full force and effect. 3. Properties are adequately insured and your interest, as Mortgagee, is properly provided for in the mortgage clause. This includes both flood and hazard insurance. 4. For those loans being escrowed for the payment of taxes and insurance, sufficient amounts are being collected monthly to provide for payment of future items. 5. Property inspections have been completed according to the provisions of our servicing agreement, if applicable. 6 All other provisions of the servicing agreement have been adhered to. 7. To the extent there exist any exceptions to the foregoing that are deemed to be material in nature, such exception(s) will be recited in an Exhibit attached hereto and accompanied by an explanation thereof. In the event no Exhibit is attached hereto, it is to be presumed that no exceptions of a material nature to the foregoing exist. By: (Signature) Sheryl Court (Printed Name) Vice President (Title) (Date)