Exhibit 28.2
                       [THE CIT GROUP, INC. LETTERHEAD]

February 24, 2000

                             MANAGEMENT'S ASSERTION
                             ----------------------

As of and for the year ended December 31, 1999, The CIT Group/Sales Financing,
Inc. and The CIT Group/Consumer Finance, Inc. (the Companies), both wholly owned
subsidiaries of The CIT Group, Inc., have 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 Companies have in effect a fidelity bond and errors
and omissions policy in the amount of not less than $60 million and $6.5
million, respectively.

                                          The CIT Group/Consumer Finance, Inc.
                                          The CIT Group/Sales Financing, Inc.

                                          /s/ Thomas B. Hallman
                                          -----------------------------
                                          Thomas B. Hallman
                                          President and Chief Executive
                                          Officer