Common use of Annual Independent Public Accountants' Servicing Statement; Financial Statements Clause in Contracts

Annual Independent Public Accountants' Servicing Statement; Financial Statements. On or before 120 days after the end of each Master Servicer’s and Servicer’s fiscal year, commencing in its 2003 fiscal year, the Master Servicer and each Servicer at its expense shall cause a nationally or regionally recognized firm of independent public accountants (who may also render other services to such Master Servicer or Servicer, any Seller or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Trust Administrator and the Depositor, and each Servicer, other than WMMSC, shall similarly furnish such a statement to the Master Servicer to the effect that (i) with respect to the Master Servicer and each Servicer other than WMMSC, such firm has examined certain documents and records relating to the servicing of mortgage loans which the Master Servicer or such Servicer is servicing, which may include the related Mortgage Loans or similar mortgage loans, and that, on the basis of such examination, conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs, nothing has come to their attention which would indicate that such servicing has not been conducted in compliance with Accepted Servicing Practices, except for (a) such exceptions as such firm shall believe to be immaterial, and (b) such other exceptions as shall be set forth in such statement and (ii) with respect to WMMSC as servicer of the WMMSC Serviced Mortgage Loans, in connection with the firm’s examination of the financial statements as of the previous December 31 of WMMSC’s parent corporation (which shall include a limited examination of WMMSC’s financial statements), nothing came to their attention that indicated that WMMSC was not in compliance with the terms of this Agreement, except for (a) such exceptions as such firm believes to be immaterial, and (b) such other exceptions as are set forth in such statement. In rendering such statement, such firm may rely, as to matters relating to direct servicing of mortgage loans by Subservicers, upon comparable statements for examinations conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs (rendered within one year of such statement) of independent public accountants with respect to the related Subservicer. Copies of such statement shall be provided by the Trustee to any Certificateholder upon request at the Master Servicer’s or the related Servicer’s expense, provided such statement is delivered by the Master Servicer or such Servicer to the Trust Administrator.

Annual Independent Public Accountants' Servicing Statement; Financial Statements. On or before 120 days after the end of each Master Servicer’s 's and Servicer’s 's fiscal year, commencing in its 2003 fiscal year, the Master Servicer and each Servicer at its expense shall cause a nationally or regionally recognized firm of independent public accountants (who may also render other services to such Master Servicer or Servicer, any Seller or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Trust Administrator Administrator, and the Depositor, Depositor and each Servicer, other than WMMSC, shall similarly furnish such a statement to the Master Servicer to the effect that (i) with respect to the Master Servicer and each Servicer other than WMMSC, such firm has examined certain documents and records relating to the servicing of mortgage loans which the Master Servicer or such Servicer is servicing, which may include including the related Mortgage Loans or similar mortgage loansLoans, and that, on the basis of such examination, conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs, nothing has come to their attention which would indicate that such servicing has not been conducted in compliance with Accepted Servicing Practices, except for (a) such exceptions as such firm shall believe to be immaterial, and (b) such other exceptions as shall be set forth in such statement and (ii) with respect to WMMSC as servicer of the WMMSC Serviced Mortgage Loans, in connection with the firm’s 's examination of the financial statements as of the previous December 31 of WMMSC’s 's parent corporation (which shall include a limited examination of WMMSC’s 's financial statements), nothing came to their attention that indicated that WMMSC was not in compliance with the terms of this Agreement, except for (a) such exceptions as such firm believes to be immaterial, and (b) such other exceptions as are set forth in such statement. In rendering such statement, such firm may rely, as to matters relating to direct servicing of mortgage loans by Subservicers, upon comparable statements for examinations conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs (rendered within one year of such statement) of independent public accountants with respect to the related Subservicer. Copies of such statement shall be provided by the Trustee to any Certificateholder upon request at the Master Servicer’s 's or the related Servicer’s 's expense, provided such statement is delivered by the Master Servicer or such Servicer to the Trust Administrator.

Annual Independent Public Accountants' Servicing Statement; Financial Statements. On or before 120 days after the end of each Master Servicer’s and Servicer’s 's fiscal year, commencing in its 2003 2002 fiscal year, the Master Servicer and each Servicer at its expense shall cause a nationally or regionally recognized firm of independent public accountants (who may also render other services to such Master Servicer or Servicer, any Seller or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Trust Administrator Administrator, and the Depositor, Depositor and each Servicer, other than WMMSC, Servicer shall similarly furnish such a statement to the Master Servicer to the effect that (i) with respect to the Master Servicer and each Servicer other than WMMSC, such firm has examined certain documents and records relating to the servicing of mortgage loans which the Master Servicer or such Servicer is servicing, which may include including the related Mortgage Loans or similar mortgage loansLoans, and that, on the basis of such examination, conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs, nothing has come to their attention which would indicate that such servicing has not been conducted in compliance with Accepted Servicing Practices, except for (a) such exceptions as such firm shall believe to be immaterial, and (b) such other exceptions as shall be set forth in such statement and (ii) with respect to WMMSC as servicer of the WMMSC Serviced Mortgage Loans, in connection with the firm’s 's examination of the financial statements as of the previous December 31 of WMMSC’s 's parent corporation (which shall include a limited examination of WMMSC’s 's financial statements), nothing came to their attention that indicated that WMMSC was not in compliance with the terms of this Agreement, except for (a) such exceptions as such firm believes to be immaterial, and (b) such other exceptions as are set forth in such statement. In rendering such statement, such firm may rely, as to matters relating to direct servicing of mortgage loans by Subservicers, upon comparable statements for examinations conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs (rendered within one year of such statement) of independent public accountants with respect to the related Subservicer. Copies of such statement shall be provided by the Trustee to any Certificateholder upon request at the Master Servicer’s Servicer or the related Servicer’s 's expense, provided such statement is delivered by the Master Servicer or such Servicer to the Trust Administrator.

Annual Independent Public Accountants' Servicing Statement; Financial Statements. On or before 120 days after Not later than the end earlier of (a) March 15 of each Master Servicercalendar year (other than the calendar year during which the Closing Date occurs) or (b) with respect to any calendar year during which the Depositor’s annual report on Form 10-K is required to be filed in accordance with the Exchange Act and Servicerthe rules and regulations of the Commission, 15 calendar days before the date on which the Depositor’s fiscal yearannual report on Form 10-K is required to be filed in accordance with the Exchange Act and the rules and regulations of the Commission (or, commencing in its 2003 fiscal yeareach case, if such day is not a Business Day, the immediately preceding Business Day), the Master Servicer and each the Servicer at its expense shall cause a nationally or regionally recognized firm of independent public accountants (who may also render other services to such Master Servicer or Servicer, any Seller or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Trust Administrator and the Depositor, and each Servicer, other than WMMSC, shall similarly furnish such a statement to the Master Servicer Depositor to the effect that (i) with respect to the Master Servicer and each Servicer other than WMMSCServicer, such firm has examined certain documents and records relating to the servicing of mortgage loans which the Master Servicer or such Servicer is servicing, which may include the related Mortgage Loans or similar mortgage loans, and that, on the basis of such examination, conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs, nothing has come to their attention which would indicate that such servicing has not been conducted in compliance with Accepted Servicing Practices, except for (a) such exceptions as such firm shall believe to be immaterial, and (b) such other exceptions as shall be set forth in such statement and (ii) with respect to WMMSC as servicer of the WMMSC Serviced Mortgage Loans, in connection with the firm’s examination of the financial statements as of the previous December 31 of WMMSC’s parent corporation (which shall include a limited examination of WMMSC’s financial statements), nothing came to their such firm’s attention that indicated that WMMSC was not in compliance with the terms of this Agreement, except for (a) such exceptions as such firm believes to be immaterial, and (b) such other exceptions as are set forth in such statement. In addition, the Servicer and the Master Servicer shall disclose to such firm all significant deficiencies relating to the Servicer’s or Master Servicer’s, as applicable, compliance with the minimum servicing standards set forth in this Agreement. In rendering such statement, such firm may rely, as to matters relating to direct servicing of mortgage loans by Subservicers, upon comparable statements for examinations conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs (rendered within one year of such statement) of independent public accountants with respect to the related Subservicer. Copies of such statement shall be provided by the Trustee Trust Administrator to any Certificateholder upon request at the Master Servicer’s or the related Servicer’s expense, provided such statement is delivered by the Master Servicer or such the Servicer to the Trust Administrator.

Annual Independent Public Accountants' Servicing Statement; Financial Statements. On or before 120 days after the end of each the Master Servicer’s 's and each Servicer’s 's fiscal year, commencing in its 2003 fiscal year, the Master Servicer and each Servicer at its expense shall cause a nationally or regionally recognized firm of independent public accountants (who may also render other services to the Master Servicer, such Master Servicer or Servicer, any Seller or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Trust Administrator Administrator, and the Depositor, Depositor and each Servicer, other than WMMSC, shall similarly furnish such a statement to the Master Servicer to the effect that (i) with respect to the Master Servicer and each Servicer other than WMMSC, such firm has examined certain documents and records relating to the servicing of mortgage loans which the Master Servicer or such Servicer is servicing, which may include including the related Mortgage Loans or similar mortgage loansLoans, and that, on the basis of such examination, conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs, nothing has come to their attention which would indicate that such servicing has not been conducted in compliance with Accepted Servicing Practices, except for (a) such exceptions as such firm shall believe to be immaterial, and (b) such other exceptions as shall be set forth in such statement and (ii) with respect to WMMSC as servicer of the WMMSC Serviced Mortgage Loans, in connection with the firm’s 's examination of the financial statements as of the previous December 31 of WMMSC’s 's parent corporation (which shall include a limited examination of WMMSC’s 's financial statements), nothing came to their attention that indicated that WMMSC was not in compliance with the terms of this Agreement, except for (a) such exceptions as such firm believes to be immaterial, and (b) such other exceptions as are set forth in such statement. In rendering such statement, such firm may rely, as to matters relating to direct servicing of mortgage loans by Subservicers, upon comparable statements for examinations conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs (rendered within one year of such statement) of independent public accountants with respect to the related Subservicer. Copies of such statement shall be provided by the Trustee Trust Administrator to any Certificateholder upon request at the Master Servicer’s 's or the related Servicer’s 's expense, provided such statement is delivered by the Master Servicer or such Servicer to the Trust Administrator.

Annual Independent Public Accountants' Servicing Statement; Financial Statements. On or before 120 days after the end of each Master Servicer’s and Servicer’s 's fiscal year, commencing in its 2003 fiscal year, the Master Servicer and each Servicer at its expense shall cause a nationally or regionally recognized firm of independent public accountants (who may also render other services to such Master Servicer or Servicer, any a Seller or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Trust Administrator Trustee, and the Depositor, and each Servicer, other than WMMSC, shall similarly furnish such a statement to the Master Servicer Depositor to the effect that (i) with respect to the Master Servicer and each Servicer other than WMMSC, such firm has examined certain documents and records relating to the servicing of mortgage loans which the Master Servicer or such Servicer is servicing, which may include including the related Mortgage Loans or similar mortgage loansLoans, and that, on the basis of such examination, conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs, nothing has come to their attention which would indicate that such servicing has not been conducted in compliance with Accepted Servicing Practices, except for (a) such exceptions as such firm shall believe to be immaterial, and (b) such other exceptions as shall be set forth in such statement and (ii) with respect to WMMSC as servicer of the WMMSC Serviced Mortgage Loans, in connection with the firm’s 's examination of the financial statements as of the previous December 31 of WMMSC’s 's parent corporation (which shall include a limited examination of WMMSC’s 's financial statements), nothing came to their attention that indicated that WMMSC was not in compliance with the terms of this Agreement, except for (a) such exceptions as such firm believes to be immaterial, and (b) such other exceptions as are set forth in such statement. In rendering such statement, such firm may rely, as to matters relating to direct servicing of mortgage loans by Subservicers, upon comparable statements for examinations conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs (rendered within one year of such statement) of independent public accountants with respect to the related Subservicer. Copies of such statement shall be provided by the Trustee to any Certificateholder upon request at the Master Servicer’s or the related Servicer’s 's expense, provided such statement is delivered by the Master Servicer or such Servicer to the Trust AdministratorTrustee.

Annual Independent Public Accountants' Servicing Statement; Financial Statements. On or before 120 days after the end of each Master Servicer’s and Servicer’s 's fiscal year, commencing in its 2003 fiscal year, the Master Servicer and each Servicer at its expense shall cause a nationally or regionally recognized firm of independent public accountants (who may also render other services to such Master Servicer or Servicer, any Seller or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Trust Administrator Trustee, MBIA and the Depositor, and each Servicer, other than WMMSC, shall similarly furnish such a statement to the Master Servicer Depositor to the effect that (i) with respect to the Master Servicer and each Servicer other than WMMSC, such firm has examined certain documents and records relating to the servicing of mortgage loans which the Master Servicer or such Servicer is servicing, which may include including the related Mortgage Loans or similar mortgage loansLoans, and that, on the basis of such examination, conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs, nothing has come to their attention which would indicate that such servicing has not been conducted in compliance with Accepted Servicing Practices, except for (a) such exceptions as such firm shall believe to be immaterial, and (b) such other exceptions as shall be set forth in such statement and (ii) with respect to WMMSC as servicer of the WMMSC Serviced Mortgage Loans, in connection with the firm’s 's examination of the financial statements as of the previous December 31 of WMMSC’s 's parent corporation (which shall include a limited examination of WMMSC’s 's financial statements), nothing came to their attention that indicated that WMMSC was not in compliance with the terms of this Agreement, except for (a) such exceptions as such firm believes to be immaterial, and (b) such other exceptions as are set forth in such statement. In rendering such statement, such firm may rely, as to matters relating to direct servicing of mortgage loans by SubservicersSub-Servicers, upon comparable statements for examinations conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs (rendered within one year of such statement) of independent public accountants with respect to the related SubservicerSub-Servicer. Copies of such statement shall be provided by the Trustee to any Certificateholder upon request at the Master Servicer’s or the related Servicer’s 's expense, provided such statement is delivered by the Master Servicer or such Servicer to the Trust AdministratorTrustee.

Annual Independent Public Accountants' Servicing Statement; Financial Statements. On or before 120 days after the end of each Master Servicer’s and Servicer’s 's fiscal year, commencing in its 2003 2001 fiscal year, the Master Servicer and each Servicer at its expense shall cause a nationally or regionally recognized firm of independent public accountants (who may also render other services to such Master Servicer or Servicer, any Seller or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Trust Administrator Trustee, MBIA and the Depositor, and each Servicer, other than WMMSC, shall similarly furnish such a statement to the Master Servicer Depositor to the effect that (i) with respect to the Master Servicer and each Servicer other than WMMSC, such firm has examined certain documents and records relating to the servicing of mortgage loans which the Master Servicer or such Servicer is servicing, which may include including the related Mortgage Loans or similar mortgage loansLoans, and that, on the basis of such examination, conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs, nothing has come to their attention which would indicate that such servicing has not been conducted in compliance with Accepted Servicing Practices, except for (a) such exceptions as such firm shall believe to be immaterial, and (b) such other exceptions as shall be set forth in such statement and (ii) with respect to WMMSC as servicer of the WMMSC Serviced Mortgage Loans, in connection with the firm’s 's examination of the financial statements as of the previous December 31 of WMMSC’s 's parent corporation (which shall include a limited examination of WMMSC’s 's financial statements), nothing came to their attention that indicated that WMMSC was not in compliance with the terms of this Agreement, except for (a) such exceptions as such firm believes to be immaterial, and (b) such other exceptions as are set forth in such statement. In rendering such statement, such firm may rely, as to matters relating to direct servicing of mortgage loans by Subservicers, upon comparable statements for examinations conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs (rendered within one year of such statement) of independent public accountants with respect to the related Subservicer. Copies of such statement shall be provided by the Trustee to any Certificateholder upon request at the Master Servicer’s or the related Servicer’s 's expense, provided such statement is delivered by the Master Servicer or such Servicer to the Trust AdministratorTrustee.

Annual Independent Public Accountants' Servicing Statement; Financial Statements. On or before 120 days after the end of each Master Servicer’s and Servicer’s 's fiscal year, commencing in its 2003 2001 fiscal year, the Master Servicer and each Servicer at its expense shall cause a nationally or regionally recognized firm of independent public accountants (who may also render other services to such Master Servicer or Servicer, any Seller or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Trust Administrator Administrator, and the Depositor, and each Servicer, other than WMMSC, shall similarly furnish such a statement to the Master Servicer Depositor to the effect that (i) with respect to the Master Servicer and each Servicer other than WMMSC, such firm has examined certain documents and records relating to the servicing of mortgage loans which the Master Servicer or such Servicer is servicing, which may include including the related Mortgage Loans or similar mortgage loansLoans, and that, on the basis of such examination, conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs, nothing has come to their attention which would indicate that such servicing has not been conducted in compliance with Accepted Servicing Practices, except for (a) such exceptions as such firm shall believe to be immaterial, and (b) such other exceptions as shall be set forth in such statement and (ii) with respect to WMMSC as servicer of the WMMSC Serviced Mortgage Loans, in connection with the firm’s 's examination of the financial statements as of the previous December 31 of WMMSC’s 's parent corporation (which shall include a limited examination of WMMSC’s 's financial statements), nothing came to their attention that indicated that WMMSC was not in compliance with the terms of this Agreement, except for (a) such exceptions as such firm believes to be immaterial, and (b) such other exceptions as are set forth in such statement. In rendering such statement, such firm may rely, as to matters relating to direct servicing of mortgage loans by Subservicers, upon comparable statements for examinations conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs (rendered within one year of such statement) of independent public accountants with respect to the related Subservicer. Copies of such statement shall be provided by the Trustee to any Certificateholder upon request at the Master Servicer’s or the related Servicer’s 's expense, provided such statement is delivered by the Master Servicer or such Servicer to the Trust Administrator.

Annual Independent Public Accountants' Servicing Statement; Financial Statements. On or before 120 days after the end of each Master Servicer’s and Servicer’s 's fiscal year, commencing in its 2003 fiscal year, the Master Servicer and each Servicer at its expense shall cause a nationally or regionally recognized firm of independent public accountants (who may also render other services to such Master Servicer or Servicer, any Seller or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Trust Administrator Administrator, the Trustee and the Depositor, Depositor and each Servicer, other than WMMSC, servicer shall similarly furnish such a statement to the Master Servicer to the effect that (i) with respect to the Master Servicer and each Servicer other than WMMSC, such firm has examined certain documents and records relating to the servicing of mortgage loans which the Master Servicer or such Servicer is servicing, which may include including the related Mortgage Loans or similar mortgage loansLoans, and that, on the basis of such examination, conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs, nothing has come to their attention which would indicate that such servicing has not been conducted in compliance with Accepted Servicing Practices, except for (a) such exceptions as such firm shall believe to be immaterial, and (b) such other exceptions as shall be set forth in such statement and (ii) with respect to WMMSC as servicer of the WMMSC Serviced Mortgage Loans, in connection with the firm’s 's examination of the financial statements as of the previous December February 31 of WMMSC’s 's parent corporation (which shall include a limited examination of WMMSC’s 's financial statements), nothing came to their attention that indicated that WMMSC was not in compliance with the terms of this Agreement, except for (a) such exceptions as such firm believes to be immaterial, and (b) such other exceptions as are set forth in such statement. In rendering such statement, such firm may rely, as to matters relating to direct servicing of mortgage loans by SubservicersSub-Servicers, upon comparable statements for examinations conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs (rendered within one year of such statement) of independent public accountants with respect to the related SubservicerSub-Servicer. Copies of such statement shall be provided by the Trustee Trust Administrator to any Certificateholder upon request at the Master Servicer’s 's or the related Servicer’s 's expense, provided such statement is delivered by the Master Servicer or such Servicer to the Trust Administrator.

Annual Independent Public Accountants' Servicing Statement; Financial Statements. On or before 120 days after the end of each Master Servicer’s and Servicer’s fiscal year, commencing in its 2003 2004 fiscal year, the Master Servicer and each Servicer at its expense shall cause a nationally or regionally recognized firm of independent public accountants (who may also render other services to such Master Servicer or Servicer, any Seller or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Trust Administrator and the Depositor, and each Servicer, other than WMMSC, shall similarly furnish such a statement to the Master Servicer to the effect that (i) with respect to the Master Servicer and each Servicer other than WMMSC, such firm has examined certain documents and records relating to the servicing of mortgage loans which the Master Servicer or such Servicer is servicing, which may include the related Mortgage Loans or similar mortgage loans, and that, on the basis of such examination, conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs, nothing has come to their attention which would indicate that such servicing has not been conducted in compliance with Accepted Servicing Practices, except for (a) such exceptions as such firm shall believe to be immaterial, and (b) such other exceptions as shall be set forth in such statement and (ii) with respect to WMMSC as servicer of the WMMSC Serviced Mortgage Loans, in connection with the firm’s examination of the financial statements as of the previous December 31 of WMMSC’s parent corporation (which shall include a limited examination of WMMSC’s financial statements), nothing came to their attention that indicated that WMMSC was not in compliance with the terms of this Agreement, except for (a) such exceptions as such firm believes to be immaterial, and (b) such other exceptions as are set forth in such statement. In rendering such statement, such firm may rely, as to matters relating to direct servicing of mortgage loans by Subservicers, upon comparable statements for examinations conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs (rendered within one year of such statement) of independent public accountants with respect to the related Subservicer. Copies of such statement shall be provided by the Trustee to any Certificateholder upon request at the Master Servicer’s or the related Servicer’s expense, provided such statement is delivered by the Master Servicer or such Servicer to the Trust Administrator.

Annual Independent Public Accountants' Servicing Statement; Financial Statements. On or before 120 days after the end of each Master Servicer’s and Servicer’s 's fiscal year, commencing in its 2003 fiscal year, the Master Servicer and each Servicer at its expense shall cause a nationally or regionally recognized firm of independent public accountants (who may also render other services to such Master Servicer or Servicer, any Seller or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Trust Administrator and the DepositorTrustee, and each Servicer, other than WMMSC, shall similarly furnish such a statement to the Master Servicer to the effect that (i) with respect to the Master Servicer and each Servicer other than WMMSC, such firm has examined certain documents and records relating to the servicing of mortgage loans which the Master Servicer or such Servicer is servicing, which may include including the related Mortgage Loans or similar mortgage loansLoans, and that, on the basis of such examination, conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs, nothing has come to their attention which would indicate that such servicing has not been conducted in compliance with Accepted Servicing Practices, except for (a) such exceptions as such firm shall believe to be immaterial, and (b) such other exceptions as shall be set forth in such statement and (ii) with respect to WMMSC as servicer of the WMMSC Serviced Mortgage Loans, in connection with the firm’s 's examination of the financial statements as of the previous December 31 of WMMSC’s 's parent corporation (which shall include a limited examination of WMMSC’s 's financial statements), nothing came to their attention that indicated that WMMSC was not in compliance with the terms of this Agreement, except for (a) such exceptions as such firm believes to be immaterial, and (b) such other exceptions as are set forth in such statement. In rendering such statement, such firm may rely, as to matters relating to direct servicing of mortgage loans by Subservicers, upon comparable statements for examinations conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs (rendered within one year of such statement) of independent public accountants with respect to the related Subservicer. Copies of such statement shall be provided by the Trustee to any Certificateholder upon request at the Master Servicer’s or the related Servicer’s 's expense, provided such statement is delivered by the Master Servicer or such Servicer to the Trust AdministratorTrustee.

Annual Independent Public Accountants' Servicing Statement; Financial Statements. On or before 120 days after the end (a) Not later than March 15th of each Master Servicer’s and Servicer’s fiscal yearyear in which a 10-K is required to be filed, or not later than March 24th of each year in which no 10-K is required to be filed, of each calendar year commencing in its 2003 fiscal year2006, the Master Servicer and each Servicer Servicer, at its expense expense, shall cause a nationally or regionally recognized firm of independent certified public accountants (who may also render other services to such furnish to the Depositor, the Unaffiliated Seller, the Rating Agencies, the Class A-1 Certificate Insurer, the Master Servicer or Servicer, any Seller or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Trust Securities Administrator and the Depositor, and each Servicer, other than WMMSC, shall similarly furnish such Trustee a statement to the Master Servicer to the effect report stating that (i) with respect to it has obtained a letter of representation regarding certain matters from the Master management of the applicable Servicer and each Servicer other than WMMSC, such firm has examined certain documents and records relating to the servicing of mortgage loans which the Master Servicer or includes an assertion that such Servicer is servicinghas complied with certain minimum residential mortgage loan servicing standards, which may include the related Mortgage Loans or similar mortgage loans, and that, on the basis of such examination, conducted substantially identified in compliance with the Uniform Single Attestation Program for Mortgage Bankers or established by the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent ProgramsMortgage Bankers Association of America, nothing has come with respect to their attention which would indicate that such the servicing has not been conducted in compliance with Accepted Servicing Practices, except for (a) such exceptions as such firm shall believe to be immaterial, and (b) such other exceptions as shall be set forth in such statement of residential mortgage loans during the most recently completed calendar year and (ii) on the basis of an examination conducted by such firm in accordance with respect standards established by the American Institute of Certified Public Accountants, such representation is fairly stated in all material respects, subject to WMMSC as servicer of the WMMSC Serviced Mortgage Loans, in connection with the firm’s examination of the financial statements as of the previous December 31 of WMMSC’s parent corporation (which shall include a limited examination of WMMSC’s financial statements), nothing came to their attention that indicated that WMMSC was not in compliance with the terms of this Agreement, except for (a) such exceptions as such firm believes to and other qualifications that may be immaterial, and (b) such other exceptions as are set forth in such statementappropriate. In rendering such statement, its report such firm may rely, as to matters relating to the direct servicing of residential mortgage loans by Subservicers, upon comparable statements for reports of firms of independent certified public accountants rendered on the basis of examinations conducted substantially in compliance accordance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs same standards (rendered within one year of such statementreport) of independent public accountants with respect to those Subservicers. (b) As soon as available, and in any event within 90 days after the related Subservicer. Copies close of each fiscal year of each Servicer, such Servicer, at its expense, shall cause the audited balance sheets of such statement shall be provided Servicer, as of the end of such fiscal year and the audited statements of income, changes in equity and cash flows of such Servicer, for such fiscal year, all in reasonable detail and stating in comparative form the respective figures for the corresponding date and period in the preceding fiscal year, prepared in accordance with generally accepted accounting principles, consistently applied, and accompanied by the Trustee certificate of the nationally recognized firm of independent certified public accountants to any Certificateholder upon request at the Master Servicer’s or the related Servicer’s expense, provided such statement is be delivered by the Master Servicer or such Servicer to the Trust AdministratorClass A-1 Certificate Insurer.

Annual Independent Public Accountants' Servicing Statement; Financial Statements. On or before 120 days after the end of each Master Servicer’s and Servicer’s fiscal year, commencing in its 2003 fiscal year, the Master Servicer and each Servicer at its expense shall cause a nationally or regionally recognized firm of independent public accountants (who may also render other services to such Master Servicer or Servicer, any Seller or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Trust Administrator Administrator, and the Depositor, Depositor and each Servicer, other than WMMSC, shall similarly furnish such a statement to the Master Servicer to the effect that (i) with respect to the Master Servicer and each Servicer other than WMMSC, such firm has examined certain documents and records relating to the servicing of mortgage loans which the Master Servicer or such Servicer is servicing, which may include including the related Mortgage Loans or similar mortgage loansLoans, and that, on the basis of such examination, conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs, nothing has come to their attention which would indicate that such servicing has not been conducted in compliance with Accepted Servicing Practices, except for (a) such exceptions as such firm shall believe to be immaterial, and (b) such other exceptions as shall be set forth in such statement and (ii) with respect to WMMSC as servicer of the WMMSC Serviced Mortgage Loans, in connection with the firm’s examination of the financial statements as of the previous December 31 of WMMSC’s parent corporation (which shall include a limited examination of WMMSC’s financial statements), nothing came to their attention that indicated that WMMSC was not in compliance with the terms of this Agreement, except for (a) such exceptions as such firm believes to be immaterial, and (b) such other exceptions as are set forth in such statement. In rendering such statement, such firm may rely, as to matters relating to direct servicing of mortgage loans by Subservicers, upon comparable statements for examinations conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs (rendered within one year of such statement) of independent public accountants with respect to the related Subservicer. Copies of such statement shall be provided by the Trustee to any Certificateholder upon request at the Master Servicer’s or the related Servicer’s expense, provided such statement is delivered by the Master Servicer or such Servicer to the Trust Administrator.

Annual Independent Public Accountants' Servicing Statement; Financial Statements. On or before 120 days after the end of each Master Servicer’s and Servicer’s 's fiscal year, commencing in its 2003 2002 fiscal year, the Master Servicer and each Servicer at its expense shall cause a nationally or regionally recognized firm of independent public accountants (who may also render other services to such Master Servicer or Servicer, any Seller or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Trust Administrator Trustee, and the Depositor, and each Servicer, other than WMMSC, shall similarly furnish such a statement to the Master Servicer Depositor to the effect that (i) with respect to the Master Servicer and each Servicer other than WMMSC, such firm has examined certain documents and records relating to the servicing of mortgage loans which the Master Servicer or such Servicer is servicing, which may include including the related Mortgage Loans or similar mortgage loansLoans, and that, on the basis of such examination, conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs, nothing has come to their attention which would indicate that such servicing has not been conducted in compliance with Accepted Servicing Practices, except for (a) such exceptions as such firm shall believe to be immaterial, and (b) such other exceptions as shall be set forth in such statement and (ii) with respect to WMMSC as servicer of the WMMSC Serviced Mortgage Loans, in connection with the firm’s 's examination of the financial statements as of the previous December 31 of WMMSC’s 's parent corporation (which shall include a limited examination of WMMSC’s 's financial statements), nothing came to their attention that indicated that WMMSC was not in compliance with the terms of this Agreement, except for (a) such exceptions as such firm believes to be immaterial, and (b) such other exceptions as are set forth in such statement. In rendering such statement, such firm may rely, as to matters relating to direct servicing of mortgage loans by Subservicers, upon comparable statements for examinations conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs (rendered within one year of such statement) of independent public accountants with respect to the related Subservicer. Copies of such statement shall be provided by the Trustee to any Certificateholder upon request at the Master Servicer’s or the related Servicer’s 's expense, provided such statement is delivered by the Master Servicer or such Servicer to the Trust AdministratorTrustee.

Annual Independent Public Accountants' Servicing Statement; Financial Statements. On or before 120 days after the end of each the Master Servicer’s and each Servicer’s fiscal year, commencing in its 2003 2004 fiscal year, the Master Servicer and each Servicer at its expense shall cause a nationally or regionally recognized firm of independent public accountants (who may also render other services to the Master Servicer, such Master Servicer or Servicer, any Seller or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Trust Administrator Administrator, and the Depositor, Depositor and each Servicer, other than WMMSC, shall similarly furnish such a statement to the Master Servicer to the effect that (i) with respect to the Master Servicer and each Servicer other than WMMSC, such firm has examined certain documents and records relating to the servicing of mortgage loans which the Master Servicer or such Servicer is servicing, which may include including the related Mortgage Loans or similar mortgage loansLoans, and that, on the basis of such examination, conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs, nothing has come to their attention which would indicate that such servicing has not been conducted in compliance with Accepted Servicing Practices, except for (a) such exceptions as such firm shall believe to be immaterial, and (b) such other exceptions as shall be set forth in such statement and (ii) with respect to WMMSC as servicer of the WMMSC Serviced Mortgage Loans, in connection with the firm’s examination of the financial statements as of the previous December 31 of WMMSC’s parent corporation (which shall include a limited examination of WMMSC’s financial statements), nothing came to their attention that indicated that WMMSC was not in compliance with the terms of this Agreement, except for (a) such exceptions as such firm believes to be immaterial, and (b) such other exceptions as are set forth in such statement. In rendering such statement, such firm may rely, as to matters relating to direct servicing of mortgage loans by Subservicers, upon comparable statements for examinations conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs (rendered within one year of such statement) of independent public accountants with respect to the related Subservicer. Copies of such statement shall be provided by the Trustee Trust Administrator to any Certificateholder upon request at the Master Servicer’s or the related Servicer’s expense, provided such statement is delivered by the Master Servicer or such Servicer to the Trust Administrator.