(LOGO) Provident Bank
One East Fourth Street
Cincinnati, Ohio 45202
Phone: (513) 579-2000

Report of Management

We, as members of management of The Provident Bank (Provident),  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 Provident's compliance  with the minimum  servicing
standards as set forth in the USAP as of December 31, 1999 and for the year then
ended.  Based on this evaluation,  we assert that during the year ended December
31,  1999,  Provident  complied,  in all  material  respects,  with the  minimum
servicing standards set forth in the USAP.

As of and for this same  period,  Provident  had in effect a  fidelity  bond and
errors and  omissions  policy in the  amount of $  25,000,000  and  $10,000,000,
respectively.


Richard Gravino
Executive Vice President
Consumer Finance

Joseph Smith II
Senior Vice President
National Servicing Operations

March 31, 2000


Member FDIC
Equal Housing Lender