LSI (logo) FINANCIAL GROUP April 25, 1997 Frances Okougbo Norwest Corporate Trust 11000 Brokenland Parkway Columbia MD 21044 RE: Servicing Agreement dated May 1, 1996, between Norwest Bank Minnesota, National Association ("Trustee") and LSI Financial Group ("Sub-Servicer") for Access Financial Mortgage Loan Trust 1996-2 Dear Ms. Okougbo, A review of the activities of the Servicer during the preceding calendar year and of its performance under the above referenced agreement has been made under my supervision and pursuant to Section 3.16 of the Servicing Agreement. To the best of my knowledge, based on such review, the Servicer has fulfilled all its obligations. Sincerely, /s/ Timothy S. Sambrano Timothy S. Sambrano President c: Ms. Sylvia Borchert 17500 Chenal Parkway Suite 200 Little Rock, Arkansas 72211-9131