EX-99.77B ACCT LTTR

Independent Auditors Report


To the Board of Managers and the Owners of Variable Annuity Contracts of
The Travelers Quality Bond Account for Variable Annuities:

In planning and performing our audit of the financial statements of The
Travelers Quality Bond Account for Variable Annuities for the year ended
December 31, 2002, we considered its internal control, including control
activities for safeguarding securities, in order to determine our auditing
procedures for the purpose of expressing our opinion on the financial
statements and to comply with the requirements of Form N-SAR, not to provide
assurance on internal control.

The management of The Travelers Quality Bond Account for Variable Annuities
is responsible for establishing and maintaining internal control.  In
fulfilling this responsibility, estimates and judgments by management are
required to assess the expected benefits and related costs of controls.
Generally, controls that are relevant to an audit pertain to the entity's
objective of preparing financial statements for external purposes that are
fairly presented in conformity with generally accepted accounting principles.
Those controls include the safeguarding of assets against unauthorized
acquisition, use, or disposition.

Because of inherent limitations in internal control, error or fraud may occur
and not be detected.  Also, projection of any evaluation of internal control
to future periods is subject to the risk that it may become inadequate
because of changes in conditions or that the effectiveness of the design and
operation may deteriorate.

Our consideration of internal control would not necessarily disclose all
matters in internal control that might be material weaknesses under standards
established by the American Institute of Certified Public Accountants.
A material weakness is a condition in which the design or operation of one or
more of the internal control components does not reduce to a relatively low
level the risk that misstatements caused by error or fraud in amounts that
would be material in relation to the financial statements being audited may
occur and not be detected within a timely period by employees in the normal
course of performing their assigned functions.  However, we noted no matters
involving internal control and its operation, including controls for
safeguarding securities, that we consider to be material weaknesses as
defined above as of December 31, 2002.

This report is intended solely for the information and use of management and
the Board of Directors of The Travelers Quality Bond Account for Variable
Annuities and the Securities and Exchange Commission and is not intended to
be and should not be used by anyone other than these specified parties.

/s/KPMG LLP


Hartford, Connecticut
February 14, 2003

EX-99.77Q3 CERT

SUB ITEM 77Q3

(a)  (i) 	Based upon their evaluation of the registrant's
		disclosure controls and procedures as conducted
		within 90 days of the filing date of this report,
		the registrant's principal accounting officer and
		chairman of the board, chief executive officer have
		concluded that those disclosure controls and procedures
		provide reasonable assurance that the material
		information required to be disclosed by the registrant
		in the reports it files or submits under the Securities
		Exchange Act of 1934, as amended (the "1934 Act"), is
		recorded, processed, summarized and reported in
		substantial compliance with the 1934 Act and the
		Commission's rules and forms thereunder.

(ii)		There were no significant changes in the registrant's
		internal controls or in other factors that could
		significantly affect these controls subsequent to the
		date of their last evaluation.

(iii) CERTIFICATIONS

I, R. Jay Gerken, certify that:

1.	I have reviewed this report on Form N-SAR of The Travelers
	Quality Bond Account for Variable Annuities;

2.	Based on my knowledge, this report does not contain any untrue
	statement of a material fact or omit to state a material fact
	necessary to make the statements made, in light of the circumstances
	under which such statements were made, not misleading with respect
	to the period covered by this report:

3.	Based on my knowledge, the financial information included in this
	report, and the financial statements on which the financial
	information is based, fairly present in all material respects the
	financial condition, results of operations, changes in net assets,
	and cash flows (if the financial statements are required to
	include a statement of cash flows) of the registrant as of,
	and for, the periods presented in this report;

4.	The registrant's other certifying officers and I are responsible
	for establishing and maintaining disclosure controls and
	procedures (as defined in rule 30a-2(c) under the Investment
	Company Act) for the registrant and have:

(a) 	designed such disclosure controls and procedures to ensure
	that material information relating to the registrant, including
	its consolidated subsidiaries, is made known to us by others
	within those entities, particularly during the period in which
	this report is being prepared;

(b)  	evaluated the effectiveness of the registrant's disclosure
	controls and procedures as of a date within 90 days prior to
	the filing date of this report 12/31/2002; and

(c) 	presented in this report our conclusions about the
	effectiveness of the disclosure controls and procedures
	based on our evaluation as of 2/27/2003;

5.	The registrant's other certifying officers and I have
	disclosed, based on our most recent evaluation, to the
	registrant's auditors and the audit committee of the
	registrant's board of directors (or persons performing
	the equivalent functions):

(a)  	all significant deficiencies in the design or operation
	of internal controls which could adversely affect the
	registrant's ability to record, process, summarize, and
	report financial data and have identified for the registrant's
 	auditors any material weaknesses in internal controls; and

(b)  	any fraud, whether or not material, that involves management
	or other employees who have a significant role in the
	registrant's internal controls; and

6.	The registrant's other certifying officers and I have indicated
	in this report whether or not there were significant
	changes in internal controls or in other factors that could
	significantly affect internal controls subsequent to the date of
	our most recent evaluation, including any corrective actions
	with regard to significant deficiencies and material weaknesses.


	/s/R. Jay Gerken	Chairman of the Board and Chief Executive
				Officer
	Date  2/27/2003		Title




I, David A. Golino, certify that:

1.	I have reviewed this report on Form N-SAR of The Travelers
	Quality Bond Account for Variable Annuities;

2.	Based on my knowledge, this report does not contain any untrue
	statement of a material fact or omit to state a material fact
	necessary to make the statements made, in light of the circumstances
	under which such statements were made, not misleading with respect
	to the period covered by this report:

3.	Based on my knowledge, the financial information included in this
	report, and the financial statements on which the financial
	information is based, fairly present in all material respects the
	financial condition, results of operations, changes in net assets,
	and cash flows (if the financial statements are required to
	include a statement of cash flows) of the registrant as of,
	and for, the periods presented in this report;

4.	The registrant's other certifying officers and I are responsible
	for establishing and maintaining disclosure controls and
	procedures (as defined in rule 30a-2(c) under the Investment
	Company Act) for the registrant and have:

(a) 	designed such disclosure controls and procedures to ensure
	that material information relating to the registrant, including
	its consolidated subsidiaries, is made known to us by others
	within those entities, particularly during the period in which
	this report is being prepared;

(b)  	evaluated the effectiveness of the registrant's disclosure
	controls and procedures as of a date within 90 days prior to
	the filing date of this report 12/31/2002; and

(c) 	presented in this report our conclusions about the
	effectiveness of the disclosure controls and procedures
	based on our evaluation as of 2/27/2003;

5.	The registrant's other certifying officers and I have
	disclosed, based on our most recent evaluation, to the
	registrant's auditors and the audit committee of the
	registrant's board of directors (or persons performing
	the equivalent functions):

(a)  	all significant deficiencies in the design or operation
	of internal controls which could adversely affect the
	registrant's ability to record, process, summarize, and
	report financial data and have identified for the registrant's
	auditors any material weaknesses in internal controls; and

(b)  	any fraud, whether or not material, that involves management
	or other employees who have a significant role in the
	registrant's internal controls; and

6.	The registrant's other certifying officers and I have indicated
	in this report whether or not there were significant changes
	in internal controls or in other factors that could
	significantly affect internal controls subsequent to the date of
	our most recent evaluation, including any corrective actions
	with regard to significant deficiencies and material weaknesses.


	/s/David A. Golino		Principal Accounting Officer
	Date  2/27/2003			Title