EX-99.1
(Logo) PricewaterhouseCoopers
PricewaterhouseCoopers
llP 214 N.Tryon Street
Ste 3600
Charlotte NC 28202
Telephone (704) 344 7500
Facsimile (704) 344 4100
Report of Independent Accountants
To the Board of Directors and Shareholder of Bank of America, N.A.
We have examined management's assertion about compliance by the mortgage
division of Bank of America, N.A. (the "Company"), an operating division of Bank
of America, N.A., 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, 2003
included in the accompanying management assertion (see 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
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
31,2003 is fairly stated, in all material respects.
/s/ PriceWaterhouseCoopers
March 2, 2004
Bank of America
Management's Assertion Concerning Compliance
with USAP Minimum Servicing Standards
March 2, 2004
As of and for the year ended December 31,2003, the Mortgage division of Bank of
America, N.A. (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 ("USAP").
As of and for this same period, the Company had in effect a fidelity bond and
errors and omissions policy in the amounts of $340,000,000 and $270,000,000,
respectively.
/s/ Ashish Kamit
Ashish Kamit
Senior Vice President and Managing Director
Bank of America, N .A.
/s/ J Mark Hanson
J Mark Hanson
Senior Vice President
Bank of America, N .A.
/S/ H Randell Chestnut
Senior Vice President
Bank of America, N.A.
Gary K Bettin
Senior Vice President and National Servicing Executive Bank of America, N.A.
/s/ Kevin M Shannon
Kevin M. Shannon
President
Consumer Real Estate
Bank of America, N.A.
USA
[Olympic rings]
2000-2004
US Olympic Teams
EX-99.2
BANA 1999, 2000 and 2001 Transactions Certification
BANK OF AMERICA MORTGAGE SECURITIES, INC.
MORTGAGE PASS-THROUGH CERTIFICATES,
SERIES SET FORTH ON EXHIBIT I HERETO
OFFICER'S CERTIFICATE PURSUANT TO SECTION 3.18
OF THE AGREEMENTS LISTED ON EXHIBIT I HERETO
--------------------------------------------
I, H. Randall Chestnut, Senior Vice President of Bank of America,
N.A., as servicer and/or as successor to Bank of America, FSB (collectively, the
"Servicer"), hereby certify pursuant to Section 3.18 of the Pooling and
Servicing Agreements listed on Exhibit I hereto (collectively, the "Agreements")
that: (a) a review of the activities of the Servicer during calendar year 2003
and of the performance of the Servicer under the Agreements has been made under
my supervision, and (b) to the best of my knowledge, based on such review, the
Servicer has fulfilled all its obligations under the Agreements throughout
calendar year 2003.
Dated: March 18, 2004
BANK OF AMERICA, N.A.,
as Servicer
By: /S/ H. Randall Chestnut
Name: H. Randall Chestnut
Title: Senior Vice President
EXHIBIT I
PARTIES DATE OF POOLING SERIES
AGREEMENT
================================================================================
Bank of America Mortgage Securities, February 23, 1999 1999-1
Inc., Bank of America, FSB,
NationsBanc Mortgage Corporation and
The Bank of New York
Bank of America Mortgage Securities, March 25, 1999 1999-2
Inc., Bank of America, FSB,
NationsBanc Mortgage Corporation and
The Bank of New York
Bank of America Mortgage Securities, April 27, 1999 1999-3
Inc., Bank of America, FSB,
NationsBanc Mortgage Corporation and
The Bank of New York
Bank of America Mortgage Securities, April 27, 1999 1999-4
Inc., Bank of America, FSB,
NationsBanc Mortgage Corporation and
The Bank of New York
Bank of America Mortgage Securities, May 25, 1999 1999-5
Inc., Bank of America, FSB,
NationsBanc Mortgage Corporation and
The Bank of New York
Bank of America Mortgage Securities, June 24, 1999 1999-6
Inc., Bank of America, FSB,
NationsBanc Mortgage Corporation and
The Bank of New York
Bank of America Mortgage Securities, June 24, 1999 1999-7
Inc., Bank of America, FSB,
NationsBanc Mortgage Corporation and
The Bank of New York
Bank of America Mortgage Securities, July 27, 1999 1999-8
Inc., Bank of America, FSB,
NationsBanc Mortgage Corporation, Bank
of America, N.A. and The Bank of New
York
Bank of America Mortgage Securities, August 26, 1999 1999-9
Inc., Bank of America, FSB,
NationsBanc Mortgage Corporation, Bank
of America, N.A. and The Bank of New
York
Bank of America Mortgage Securities, August 26, 1999 1999-10
Inc., Bank of America, FSB,
NationsBanc Mortgage Corporation, Bank
of America, N.A. and The Bank of New
York
Bank of America Mortgage Securities, September 23, 1999 1999-11
Inc., Bank of America, FSB,
NationsBanc Mortgage Corporation, Bank
of America, N.A. and The Bank of New
York
Bank of America Mortgage Securities, November 23, 1999 1999-12
Inc., Bank of America, FSB,
NationsBanc Mortgage Corporation, Bank
of America, N.A. and The Bank of New
York
Bank of America Mortgage Securities, January 25, 2000 2000-1
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, March 28, 2000 2000-2
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, May 25, 2000 2000-3
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, July 26, 2000 2000-4
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, September 26, 2000 2000-5
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, October 26, 2000 2000-6
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, November 21, 2000 2000-7
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, December 21, 2000 2000-8
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, December 21, 2000 2000-A
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, January 25, 2001 2001-1
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, February 22, 2001 2001-2
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, March 27, 2001 2001-3
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, March 29, 2001 2001-4
Inc., Bank of America, N.A. and Wells
Fargo Bank, N.A.
Bank of America Mortgage Securities, April 24, 2001 2001-A
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, April 24, 2001 2001-5
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, May 24, 2001 2001-6
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, May 29, 2001 2001-B
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, June 26, 2001 2001-7
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, June 27, 2001 2001-C
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, July 24, 2001 2001-8
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, July 26, 2001 2001-D
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, August 23, 2001 2001-9
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, August 28, 2001 2001-E
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, October 23, 2001 2001-F
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, November 27, 2001 2001-G
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, November 27, 2001 2001-11
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, December 20, 2001 2001-H
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, December 20, 2001 2001-12
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, January 24, 2002 2002-A
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, January 24, 2002 2002-1
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, February 21, 2002 2002-B
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, February 21, 2002 2002-2
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, March 26, 2002 2002-3
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, April 25, 2002 2002-4
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, April 25, 2002 2002-C
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, April 26, 2002 2002-5
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, May 23, 2002 2002-D
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, May 23, 2002 2002-E
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, June 26, 2002 2002-F
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, June 25, 2002 2002-6
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, June 26, 2002 2002-G
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, July 25, 2002 2002-7
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, July 25, 2002 2002-H
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, August 27, 2002 2002-I
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, September 26, 2002 2002-J
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, September 27, 2002 2002-K
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, August 27, 2002 2002-8
Inc., Bank of America, N.A. and The
Bank of New York
Bank of America Mortgage Securities, October 24, 2002, as 2002-10
Inc., Bank of America, N.A. and The amended by Amendment
Bank of New York No. 1, dated January
30, 2004