First Union Mortgage Corporation
201 South College Street
Charlotte North Carolina 28288
704 374-6787

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MANAGEMENT'S ASSERTION

As of and for the year ended December 31, 1998, First Union Mortgage Corporation
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.  First Union Mortgage  Corporation had
in effect a fidelity  bond  policy in the amount of $100  million for the period
from January I, 1998 to May 31, 1998 and a fidelity bond policy in the amount of
$200 million for the period from June 1, 1998 to December  31,  1998.  As of and
for the year ended December 31, 1998,  First Union Mortgage  Corporation  had in
effect an errors and omissions policy in the amount of $20 million.

Karin Patrick, Senior Vice President
March 26, 1999 Date


Debbie Craig, Senior Vice President
March 26, 1999 Date


Debbie Warren, President
March 26, 1999 Date