item 14 controls procedures applicable part iv item 15 item 7 managements discussion analysis financial condition results operation omitted item 7a item 7a quantitative qualitative disclosures market risk applicable item 8 item 8 financial statements supplementary data see item 14a exhibits 991 992 993 information provided lieu information required item 302 regulation sk item 9 item 15 exhibits financial statement schedules reports form 8k exhibits 991 annual independent accountants servicing reports concerning servicing activities year ended december 31 2002 992 report management compliance minimum servicing standards year ended december 31 2002 993 annual statements compliance pooling servicing agreements year ended december 31 2002 994 aggregate statement principal interest distributions certificate holders b november 06 2002 december 09 2002 january 09 2003 reports form 8k filed company order provide statements monthly distributions holders certificates reports form 8k filed last quarter period covered report c applicable omitted filed herewith signatures pursuant requirements section 13 15d securities exchange act 1934 registrant duly caused report signed behalf undersigned thereunto duly authorized bear stearns arm trust mortgage passthrough certificates series 20026 trust registrant signed structured asset mortgage investments inc seller jeffrey mayer president jeffrey mayer dated april 14 2003 sarbanesoxley certification jeffrey mayer certify 1 reviewed annual report form 10k reports form 8k containing distribution servicing reports filed respect periods included year covered annual report bear stearns arm trust mortgage passthrough certificates series 20026 trust 2 based knowledge information reports taken whole contain untrue statement material fact omit state material fact necessary make statements made light circumstances statements made misleading last day period covered annual report 3 based knowledge distribution servicing information required provided trustee servicer pooling servicing similar agreement inclusion reports included reports 4 based knowledge upon annual compliance statement included report required delivered trustee accordance terms pooling servicing similar agreement except disclosed reports servicer fulfilled obligations servicing agreement 5 reports disclose significant deficiencies relating servicers compliance minimum servicing standards based upon report provided independent public accountant conducting review compliance uniform single attestation program mortgage bankers similar procedure set forth pooling servicing similar agreement included reports giving certifications reasonably relied information provided following unaffiliated parties hsbc bank usa servicer wells fargo bank minnesota na trustee date april 14 203 jeffrey mayer signature president title supplemental information furnished reports filed pursuant section 15d act registrants registered securities pursuant section 12 act ai annual report provided certificateholders respect aggregate principal interest distributions aii proxy statement form proxy soliciting material sent certificateholder respect annual meeting certificateholders ex991 kpmg logo 12 fountain plaza suite 601 buffalo ny 14202 independent accountants report board directors hsbc mortgage corporation usa examined managements assertion included accompanying management assertion hsbc mortgage corporation usa complied material respects minimum servicing standards set forth mortgage bankers association americas uniform single attestation program mortgage bankers usap year ended december 31 2002 management responsible hsbc mortgage corporation usas compliance minimum servicing standards responsibility express opinion managements assertion companys compliance based examination conducted accordance attestation standards established american institute certified public accountants accordingly included examining test basis evidence hsbc mortgage corporation usas compliance minimum servicing standards specified examination provides reasonable basis opinion examination provide legal determination hsbc mortgage corporation usas compliance minimum servicing standards opinion managements assertion hsbc mortgage corporation usa complied aforementioned minimum servicing standards year ended december 31 2002 fairly stated material respects kpmg llp february 5 2003 buffalo new york kpmg llp kpmg llp us limited liability partnership member kpmg international swiss association ex992 hsbc logo management assertion year ended december 31 2002 hsbc mortgage corporation usa complied material respects minimum servicing standards set forth mortgage bankers association americas uniform single attestation program mortgage bankers period hsbc mortgage corporation usa effect fidelity bond errors omissions policies amount 588675000 40000000 respectively david j hunter david j hunter president daniel b duggan daniel b duggan svp risk management gary p zimmerman gary p zimmerman svp mortgage servicing hsbc mortgage corporation usa 2929 walden avenue depew ny 14043 ex993 annual statement compliance reviewed activities performance hsbc mortgage corporation usa servicing agreement year ended december 31 2002 best knowledge based upon review hsbc mortgage corporation usa fulfilled duties responsibilities obligations servicing agreement gary p zimmerman gary p zimmerman senior vice president mortgage servicing ex994 schedule yeartodate principal interest distributions certificateholders