10-K/A 1 wfm01018.txt UNITED STATES 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, 2001 OR / / TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 333-62184-01 Wells Fargo Asset Securities Corporation Mortgage Pass-Through Certificates Series 2001-18 (Exact name of registrant as specified in its charter) New York 52-2345423 52-2345393 (State or other jurisdiction of (I.R.S. Employer incorporation or organization) Identification No.) c/o Wells Fargo Bank Minnesota, N.A. 9062 Old Annapolis Road Columbia, MD 21045 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (410) 884-2000 Securities registered pursuant to Section 12(b) of the Act: NONE. Securities 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, 2002 on behalf of Wells Fargo Asset Securities Corporation Mortgage Pass-Through Certificates, Series 2001-18 established pursuant to the Pooling and Servicing Agreement among Wells Fargo Asset Securities Corporation as Seller, Wells Fargo Bank Minnesota, N.A., as Master Servicer, and First Union National Bank as Trustee pursuant to which Wells Fargo Asset Securities Corporation, Mortgage Pass-Through Certificates, Series 2001-18 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, 2001. a) Chase Manhattan Mtg Corp, as Servicer b) Colonial Savings, F.A., as Servicer c) Fifth Third Mtg Company, as Servicer d) Homeside Lending Inc (TX), as Servicer e) HSBC Bank, USA, as Servicer f) Huntington Mtg Co, as Servicer g) National City Mortgage Co, as Servicer h) Sun Trust Mortgage Inc, as Servicer i) Washington Mutual Bank, F.A., as Servicer j) Wells Fargo Home Mortgage, Inc, as Servicer (99.2) Report of Management as to Compliance with Minimum Servicing Standards for the year ended December 31, 2001. a) Chase Manhattan Mtg Corp, as Servicer b) Colonial Savings, F.A., as Servicer c) Fifth Third Mtg Company, as Servicer d) Homeside Lending Inc (TX), as Servicer e) HSBC Bank, USA, as Servicer f) Huntington Mtg Co, as Servicer g) National City Mortgage Co, as Servicer h) Sun Trust Mortgage Inc, as Servicer i) Washington Mutual Bank, F.A., as Servicer j) Wells Fargo Home Mortgage, Inc, as Servicer (99.3) Annual Statements of Compliance under the Pooling and Servicing Agreements for the year ended December 31, 2001. a) Chase Manhattan Mtg Corp, as Servicer b) Colonial Savings, F.A., as Servicer c) Fifth Third Mtg Company, as Servicer d) Homeside Lending Inc (TX), as Servicer e) HSBC Bank, USA, as Servicer f) Huntington Mtg Co, as Servicer g) National City Mortgage Co, as Servicer h) Sun Trust Mortgage Inc, as Servicer i) Washington Mutual Bank, F.A., as Servicer j) Wells Fargo Home Mortgage, Inc, as Servicer (99.4) Aggregate Statement of Principal and Interest Distributions to Certificate Holders. (b) On November 07, 2001, December 07, 2001, and January 10, 2002 reports on Form 8-K were filed by the Company in order to provide the statements for the monthly distributions to holders of 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. 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 2001-18 (Registrant) Signed: Wells Fargo Bank Minnesota, N.A., as Master Servicer By: Edward M. Frere, Jr., as Senior Vice President By: /s/ Edward M. Frere, Jr. Dated: December 16, 2002 Sarbanes-Oxley Certification I, Edward M. Frere, Jr., certify that: 1. I have reviewed this annual report on Form 10-K, and all reports on Form 8-K containing distribution or servicing reports filed in respect of periods included in the year covered by this annual report, of Wells Fargo Asset Securities Corporation Mortgage Pass-Through Certificates Series 2001-18. 2. Based on my knowledge, the information in these reports, taken as a whole, does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading as of the last day of the period covered by this annual report. 3. Based on my knowledge, the [distribution or servicing] information required to be provided to the trustee by the servicer under the pooling and servicing agreement is included in these reports. Date: December 16, 2002 Edward M. Frere, Jr. [Signature] Senior Vice President [Title] Exhibit Index Exhibit No. (99.1) Annual Independent Accountants' Servicing Reports concerning servicing activities for the year ended December 31, 2001. a) Chase Manhattan Mtg Corp, as Servicer b) Colonial Savings, F.A., as Servicer c) Fifth Third Mtg Company, as Servicer d) Homeside Lending Inc (TX), as Servicer e) HSBC Bank, USA, as Servicer f) Huntington Mtg Co, as Servicer g) National City Mortgage Co, as Servicer h) Sun Trust Mortgage Inc, as Servicer i) Washington Mutual Bank, F.A., as Servicer j) Wells Fargo Home Mortgage, Inc, as Servicer (99.2) Report of Management as to Compliance with Minimum Servicing Standards for the year ended December 31, 2001. a) Chase Manhattan Mtg Corp, as Servicer b) Colonial Savings, F.A., as Servicer c) Fifth Third Mtg Company, as Servicer d) Homeside Lending Inc (TX), as Servicer e) HSBC Bank, USA, as Servicer f) Huntington Mtg Co, as Servicer g) National City Mortgage Co, as Servicer h) Sun Trust Mortgage Inc, as Servicer i) Washington Mutual Bank, F.A., as Servicer j) Wells Fargo Home Mortgage, Inc, as Servicer (99.3) Annual Statements of Compliance under the Pooling and Servicing Agreements for the year ended December 31, 2001. a) Chase Manhattan Mtg Corp, as Servicer b) Colonial Savings, F.A., as Servicer c) Fifth Third Mtg Company, as Servicer d) Homeside Lending Inc (TX), as Servicer e) HSBC Bank, USA, as Servicer f) Huntington Mtg Co, as Servicer g) National City Mortgage Co, as Servicer h) Sun Trust Mortgage Inc, as Servicer i) Washington Mutual Bank, F.A., as Servicer j) Wells Fargo Home Mortgage, Inc, as Servicer (99.4) Aggregate Statement of Principal and Interest Distributions to Certificate Holders. Filed herewith. Previously filed. EX 99.1 (a) PRICEWATERHOUSECOOPERS (LOGO) PricewaterhouseCoopers LLP 1177 Avenue of the Americas New York NY 10036 Telephone (646) 471 4000 Facsimile (646) 471 4100 Report of Independent Accountants To the Board of Directors and Stockholder of Chase Manhattan Mortgage Corporation: We have examined management's assertion about Chase Manhattan Mortgage Corporation's (the "Company") compliance with the minimum servicing standards ("standards") identified in the Mortgage Bankers Association of America's Uniform Single Attestation Program for Mortgage Bankers ("USAP") as of and for the year ended December 31, 2001 included in the accompanying management assertion (see Exhibit I). The Company performs loan subservicing functions for the residential loan servicing portfolios of its affiliates Chase Mortgage Company and Chase Mortgage Company West. Management is responsible for the Company's compliance with those minimum servicing standards. Our responsibility is to express an opinion on management's assertion about the entity's compliance based on our examination. Our examination was made in accordance with standards established by the American Institute of Certified Public Accountants and, accordingly, included examining, on a test basis, evidence about the Company's compliance with the standards and performing such other procedures as we considered necessary in the circumstances. We believe that our examination provides a reasonable basis for our opinion. Our examination does not provide a legal determination on the Company's compliance with the standards. In our opinion, management's assertion that the Company complied with the aforementioned standards as of and for the year ended December 31, 2001 is fairly stated, in all material respects. March 15, 2002 EX 99.1 (b) 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 To the Board of Directors and Stockholder of Colonial Savings, F.A. We have examined management's assertion about Colonial Savings, F.A. (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, 2001, 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, 2001 is fairly stated, in all material respects. December 4, 2001 EX 99.1 (c) Deloitte & Touche LLP 250 East Fifth Street P.O. BOX 5340 Cincinnati, Ohio 45201-5340 Deloitte & Touche (logo) Tel: (513) 784 7100 www.us.deloitte.com INDEPENDENT ACCOUNTANTS' REPORT To Fifth Third Mortgage Company: We have examined management's assertion about Fifth Third Mortgage Company's (the "Company") compliance with the minimum servicing standards identified in the Mortgage Bankers Association of America's Uniform Single Attestation Program for Mortgage Bankers ("USAP") as of and for the year ended December 31, 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'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, 2001 is fairly stated, in all material respects. March 29, 2002 Deloitte Touche Tohmatsu (LOGO) EX 99.1 (d) KPMG (logo) Suite 2700 Independent Square One Independent Drive PO. Box 190 Jacksonville, FL 32201-0190 Independent Auditors' Report On The Uniform Single Attestation Program for Mortgage Bankers 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, 2001, included in the accompanying management assertion letter dated December 7, 2001. 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 S76 million and $20 million, respectively, as of and for the year ended September 30, 2001 is fairly stated, in all material respects. December 7, 2001 KPMG LLP. KPMG LLP, a U.S. limited liability partnership, is a member of KPMG international, a Swiss association. EX 99.1 (e) KPMG (LOGO) 12 Fountain Plaza, Suite 601 Buffalo, NY 14202 The Board of Directors HSBC Mortgage Corporation (USA): Independent Accountants' Report We have examined management's assertion, included in the accompanying Management Assertion, that HSBC Mortgage Corporation (USA) 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, 2001. 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 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 HSBC Mortgage Corporation (USA)'s compliance with the minimum servicing standards specified above and performing such other procedures as we considered necessary in the circumstances. We believe that our examination provides a reasonable basis for our opinion. Our examination does not provide a legal determination on HSBC Mortgage Corporation (USA)'s compliance with the minimum servicing standards. In our opinion, management's assertion that HSBC Mortgage Corporation (USA) complied with the aforementioned minimum servicing standards during the year ended December 31, 2001 is fairly stated, in all material respects. February 1, 2002 Buffalo, New York KPMG LLP. KPMG LLP, a U.S. limited liability partnership, is a member of KPMG International, a Swiss association. EX 99.1 (f) ERNST&YOUNG (LOGO) Ernst & Young LLP 1100 Huntington Center 41 South High Street Columbus, Ohio 43215 Phone: (614) 224-5678 Fax: (614) 222-3939 www.ey.com 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) during the year ended December 31, 2001. 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, 2001 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, and HMC's private investors, and is not intended to be and should not be used by anyone other than these specified parties. March 8, 2002 Ernst & Young LLP is a member of Ernst & Young International, Ltd EX 99.1 (g) 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 Standards 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, 2001. 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 attestation 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 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 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, 2001, 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's private investors and is not intended to be and should not be used by anyone other than these specified parties. January 29, 2002 EX 99.1 (h) ANDERSON (logo) REPORT OF INDEPENDENT PUBLIC ACCOUNTANTS To SunTrust Mortgage, Inc.: We have examined management's assertion about SUNTRUST MORTGAGE, INC.'s compliance with the minimum servicing standards identified in the Mortgage Bankers Association of America's Uniform Single Attestation Program for Mortgage Banks ("USAP") and that the Company had in effect a fidelity bond and errors and omissions policy in the amounts of $100,000,000 and $45,000,000, respectively, as of and for the year ended December 31, 2001 included in the accompanying management's assertion. 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 entity's compliance with the minimum servicing standards and maintenance of a fidelity bond and errors and omissions policy 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 and that the Company had in effect a fidelity bond and errors and omissions policy in the amounts of $100,000,000 and $45,000,000, respectively, as of and for the year ended December 31, 2001 is fairly stated in all material respects. Atlanta, Georgia February 1, 2002 EX 99.1 (i) Deloitte & Touche (logo) Deloitte & Touche LLP Suite 4500 700 Fifth Avenue Seattle, Washington 98104-5044 Tel: (206) 292-1800 Fax: (206) 343-7809 www.us.deloitte.com INDEPENDENT ACCOUNTANTS' REPORT ON COMEPLIANCE WITH UNIFORM SINGLE ATTESTATION PROGRAM FOR MORTGAGE BANKERS Audit Committee of the Board of Directors Washington Mutual, Inc. Seattle, Washington 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 December 31, 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'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, 2001, is fairly stated, in all material respects. March 6, 2002 Deloitte Touche Tohmatsu (logo) EX 99.1 (j) KPMG (logo) 2500 Ruan Center 666 Grand Avenue Des Moines, IA 50309 INDEPENDENT ACCOUNTANTS' REPORT The Board of Directors Wells Fargo Home Mortgage: We have examined management's assertion, included in the accompanying Management Assertion, that Wells Fargo Home Mortgage 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, 2001. Management is responsible for Wells Fargo Home Mortgage's compliance with those minimum servicing standards. Our responsibility is to express an opinion on management's assertion about Wells Fargo Home Mortgage'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 Wells Fargo Home Mortgage'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 Wells Fargo Home Mortgage's compliance with the minimum servicing standards. In our opinion, management's assertion that Wells Fargo Home Mortgage complied with the aforementioned minimum servicing standards as of and for the year ended December 31, 2001, is fairly stated, in all material respects. January 15, 2002 KPMG LLP, a U.S. limited liability partnership, is a member of KPMG International, a Swiss association. EX 99.2 (a) Exhibit I Management's Assertion Concerning Compliance with USAP Minimum Servicing Standards March 15, 2002 As of and for the year ended December 31, 2001, Chase Manhattan Mortgage Corporation ("CMMC") and Chase Mortgage Company ("CMC") and their subsidiaries (collectively, the "Group") have complied in all material respects with the minimum servicing standards (the "Standards") set forth in the Mortgage Bankers Association of America's Uniform Single Attestation Program for Mortgage Bankers ("USAP"). These standards are applicable only to Chase Manhattan Mortgage Corporation's prime and subprime mortgage portfolios. As of and for this same period, the Group had in effect fidelity bond and errors and omissions policy in the amounts of $250,000,000 and $25,000,000 respectively. Steve Rotella Chief Executive Officer Glenn Mouridy Executive Vice President of Servicing Terry L. Gentry Senior Vice President of Servicing Lucy Gambino Vice President of Risk Management EX 99.2 (b) Colonial Savings (logo) December 4, 2001 As of and for the year ended September 30, 2001, Colonial Savings, F.A. 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, Colonial Savings, F.A. had in effect a fidelity bond and errors and omissions policy in the amount of $7,500,000. Jim E. DuBose President, Chief Executive Officer Donna Dempsey Executive Vice President, Chief Financial Officer EX 99.2 (c) Fifth Third Bank (logo) March 29, 2002 Deloitte & Touche 250 East Fifth Street Cincinnati, Ohio 45201 As of and for the year ended December 31, 2001, Fifth Third Mortgage Company (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 as follows: $5,000,000 per mortgage coverage on errors and omissions and $50,000,000 coverage on the fidelity bond. David J. DeBrunner Vice President & Controller Scott Enders Vice President & CFO - Consumer EX 99.2 (d) HOMESIDE LENDING INC.(LOGO) Management Assertion Letter As of and for the year ended September 30, 2001, 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 7, 2001 Post Office Box 45298, Jacksonville, FL 32232-5298 * 1-800-874-0209 EQUAL HOUSING LENDER (logo) EX 99.2 (e) HSBC (LOGO) Management Assertion As of and for the year ended December 31, 2001, HSBC Mortgage Corporation (USA) 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 $490,000,000 and $60,000,000, respectively. David J Hunter President Daniel B. Duggan SVP, Risk Management Susan A. Wojnar SVP, Mortgage Servicing HSBC Mortgage Corporation (USA) 2929 Walden Avenue, Depew, NY 14043 EX 99.2 (f) Report of Management Huntington Mortgage Company (LOGO) 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, 2001 and for the year then ended. Based on this evaluation, we assert that during the year ended December 31, 2001, 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 $50,000,000 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 8, 2002 EX 99.2 (g) NationalCity Mortgage (logo) 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 Program for 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, 2001 and for the year then ended. Based on this evaluation, we assert that during the year ended December 31, 2001, 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 $95 million and an omissions policy in the amount of $40 million. T. Jackson Case Jr., Executive Vice President January 29, 2002 EX 99.2 (h) SUNTRUST (logo) February 1, 2002 Arthur Anderson LLP 133 Peachtree Street, NE Atlanta, Georgia 30303 Dear Sirs, As of and for the year ended December 31, 2001, SunTrust Mortgage, 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. As of and for this same period, SunTrust Mortgage, Inc. had in effect a fidelity bond and errors and omissions policy in the amounts of $100,000,000 and $45,000,000 respectively. Sincerely, Ralph B. Carrigan Executive Vice President SunTrust Mortgage, Inc. 901 Semmes Avenue Richmond, Virginia 23224 EX 99.2 (i) Washington Mutual (logo) As of and for the year ended December 31, 2001, 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 $25 million, respectively. Craig S. Davis President Home Loans & Insurance Services Group Anthony T. Meola Executive Vice President Home Loans & Insurance Services Group March 6, 2002 EX 99.2 (j) Wells Fargo Home Mortgage (logo) 1 Home Campus Des Moines, IA 50328-0001 Management Assertion As of, and for the year ended December 31, 2001, Wells Fargo Home Mortgage Banking 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 same period, Wells Fargo Home Mortgage Banking had in effect a fidelity bond along with an errors and omissions policy, in the amounts of $50 million and $10 million, respectively. Pete Wissinger Chief Executive January 15, 2002 Geoffery H. Dreyer Chief Financial Officer (effective 2001) January 15, 2002 Michael J. Heid Chief Financial Officer (effective 1/1/2002) Executive Vice President, Loan Servicing (effective 2001) January 15, 2002 Robert Caruso Senior Vice President, Loan Servicing (effective 1/1/2002) January 15, 2002 EX 99.3 (a) CHASE (logo) THE RIGHT RELATIONSHIP IS EVERYTHING Chase Manhattan Mortgage Corporation 3415 Vision Drive Columbus, OH 43219 1-800-848-9136 Customer Service 1-800-582-0542 TDD / Text Telephone Wells Fargo Attn: Master Servicing Department 11000 Broken Land Parkway Columbia, MD 21044-3562 RE: Annual Certification Pursuant to the servicing agreement, the undersigned Officer certifies to the following: a) All hazard (or mortgage impairment, if applicable) flood or other casualty insurance and primary mortgage guaranty insurance premiums, taxes, ground rents, assessments and other changes have been paid by/in connection with the Mortgaged Properties; b) All property inspections have been completed; c) Compliance relative to Adjustable Rate Mortgages have been met; d) Compliance with IRS Foreclosure reporting regulations enacted as IRS Section 6060J by the Deficit Reduction Act, regarding Acquired and/or Abandonment property have been completed; e) All loans CMMC services in state that have statutes requiring payment of interest on escrow/impound accounts have been completed; f) That such officer has confirmed that the Fidelity Bond, the Errors and Omissions Insurance Policy, and any other bonds required under the terms of the Servicing Agreement are in full force and effect. g) Enclosed is a copy of our most recent independent audit statement. CERTIFIED BY: Lucy P. Gambino DATE: March 29, 2002 Vice President Chase Manhattan Mortgage Corporation 3415 Vision Drive Columbus, OH 43219 EX 99.3 (b) COLONIAL SAVINGS (logo) A TRADITION OF SERVICE Annual Certification for the Single Family Mortgage Revenue Bond Issue In accordance with the sale and service 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 preceeding 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 hazard insurance policies and flood policies (as applicable), 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. 6. All PMI/MIP premiums have been paid in a timely manner and the loans have been administered in accordance with the pertinent master policies (as applicable). 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 set forth below: Exceptions (if any): B. A review of activities with respect to performance under the agreement during the year preceeding 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 below date in the fulfillment of any obligations under the agreement other than the events of the default, if any, which have been listed below with the nature and status thereof: Event of default (if any): Participant: Colonial Savings & Loan Association Signed: Title: Cary W. Adams Dated: December 31, 2001 Senior Vice President Ex 99.3 (c) 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 2001 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: Wendy Finke Vice President Title October 21, 2002 Date EX 99.3 (d) HOMESIDE LENDING (LOGO) July 3, 2002 Ms. Dionne Waldron-Dixon Wells Fargo Bank Minnesota, N.A. 9062 Old Annapolis Road Columbia, MID 21045 Re: Officer's Certificate Dear Ms. Waldron-Dixon: The undersigned Officer certifies the following for the 2001 fiscal year: - 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 this Officer's 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. - I have confirmed that the Servicer is currently an approved FNMA or FHLMC servicer in good standing. - 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. - 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. - 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. - All Custodial Accounts have been reconciled and are properly funded. - 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. Finally, the Servicer Information Form and our most recent copy of FHLMC Form 16SF are enclosed. The bank statements will be provided under separate cover. Should you need anything further please contact Lynda M. Pohwat at (904)281-4705 or lmpohwat@homeside.com. Sincerely, Karen Bryan Vice President lp encs. EX 99.3 (e) Annual Statement as to Compliance We have reviewed the activities and performance of HSBC Mortgage Corporation (USA) under the Servicing Agreement for the year ended December 31, 2001. To the best of my knowledge, based upon such review, the HSBC Mortgage Corporation (USA) has fulfilled its duties, responsibilities and obligations under the Servicing Agreement. Gary P. Zimmermann Senior Vice President Mortgage Servicing EX 99.3 (f) Huntington Mortgage Company (LOGO) The Huntington Mortgage Company 7575 Huntington Park Drive Columbus, Ohio 43235 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 2001 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 Title Date A subsidiary of The Huntington National Bank EX 99.3 (g) National City Mortgage (logo) 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 NA Attn: Dionne Waldron-Dixon 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 2001 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; (b) I have confirmed that the Servicer is currently an approved FNMA or FHLMC servicer in good standing; (c) 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; (d) 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; (e) All bonds, mortgages, and title policies are held by National City Mortgage; (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 (Mary Beth Criswell) National City Mortgage Company Vice President Title March 22, 2002 Date EX 99.3 (h) SunTrust Mortgage, Inc. Post Office Box 26149 Richmond, VA 23260-6149 Toll Free 1-800-634-7928 www.suntrustmortgage.com SUNTRUST (logo) WELL FARGO BK MINNESOTA ATTN: ERIC CELLITO 11000 BROKEN LAND PKWY COLUMBIA, MD 21044-3562 SELLER/SERVICER# 0539 RE: ANNUAL SERVICING CERTIFICATION In connection with the loans serviced by SunTrust Mortgage, Inc. for WELL FARGO BK MINNESOTA, I, the undersigned officer, hereby certifies the following as of December 31, 2001: All real estate taxes, special assessments and any charges that may become a lien upon the property and which became due in the last calendar year have been paid. This also includes verification of payment with taxing authorities for non-impound accounts. For those loans with escrow/impound accounts for the payment of taxes and insurance, sufficient amounts are being collected monthly to provide for payment of future amounts due. All FHA insurance premiums or private mortgage insurance premiums, if applicable, have been paid and such coverage is in full force and effect. All properties are adequately insured against casualty loss and, if applicable, flood loss and we are in possession of the original hazard insurance and flood insurance policies. Fidelity Bond coverage of $25,000,000 and Errors and Omissions coverage of $28,500,000 is adequate and in place and the applicable premiums have been paid. All interest and/or monthly payment adjustments for ARM and GPM loans have been made in accordance with the mortgage terms. Timely and proper notice of such changes was provided to the mortgagors. All property inspections have been completed according to the provisions of our Servicing Agreement, if applicable. The P&I custodial account and any clearing accounts are maintained in a depository institution the deposits of which are insured by the Bank Insurance Fund. The depository institution meets or exceeds the most recent financial rating requirements set forth by FNMA. We have complied with all other provisions of the Servicing Agreement. We are in compliance with IRS requirements and all federal, state, and local laws for reporting the receipt of interest, payment of fees, or acquisition of properties. To the best of my knowledge and upon reasonable investigation, the servicing of the Mortgage Loans during the preceding year has been conducted in compliance with all other provisions of the Servicing Agreement(s)/Purchase and Sale Agreement(s) barring such exceptions as listed. Any exceptions to this certification are listed on an attachment along with explanations concerning their completion. If none are listed, it should be considered that there are no exceptions. Michael Patten, VP (name and title) DATE: March 6, 2002 EX 99.3 (i) Washington Mutual (logo) P.O. Box 1093 Northridge, CA 91328-1093 Officer's Certificate The undersigned Officer certifies the following for the 2001 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 of 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 Mortgage 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 25, 2002 Date EX 99.3 (j) Wells Fargo Home Mortgage (logo) Wells Fargo Bank Minnesota, N.A. 11000 Broken Land Parkway Columbia, MD 21044-3562 Attention: Compliance Department RE: Officer's Certificate Dear Master Servicer: The undersigned Officer certifies the following for the 2001 fiscal year: (i) A review of the activities of the Servicer during the preceding fiscal year and of the Servicer's performance of the Servicer under the terms of the Servicing Agreement with respect to such Loans has been made under the supervision of the officer who signed such Officer's Certificate; (ii) To the best of such officer's knowledge, based on such review, the Servicer has fulfilled all its obligations under this Agreement throughout such year, or if there has been a default in the fulfillment of any such obligation, such Officer's Certificate shall specify each such default known to such signer and the nature and status thereof and what action the Servicer proposes to take with respect thereto. Certified By: Diane B. Cooper Officer AVP, Client Relations Title 4/12/2002 Date