| **E****RNST &****Y****OUNG**Ernst & Young LLP Suite 3300 370 17th Street Denver, Colorado 80202-5663 Phone (720) 931-4000 Fax (720) 931-4444 www.ey.com Report of Independent Accountants Board of DirectorsAurora Loan Services Inc. We have examined management's assertion, included in the accompanying report titled *Report of Management,* that****Aurora Loan Services Inc. (the "Company") complied with the minimum servicing standards identified in Exhibit A to the *Report of Management*(the "specified minimum servicing standards") as set forth in the Mortgage Bankers Association of America's *Uniform Single Attestation Program for Mortgage Bankers*("USAP") during the****year****ended November 30, 2004. Management is responsible for the Company's compliance with the specified miminum servicing standards. Our responsibility is to express an opinion on management's assertions about the Company's compliance based on our examination. Our examination was made in accordance with attestation standards established by the American Institute of Certified Public Accountants and, accordingly, included examining, on a test basis, evidence about the Company's compliance with the specified minimum servicing standards and performing such other procedures as we considered necessary in the circumstances. We believe that our examination provides a reasonable basis for our opinion. Our examination does not provide a legal determination on the Company's compliance with the specified minimum servicing standards.  In our opinion,****management's assertion, that****the Company complied with the aforementioned specified minimum servicing standards during the year****ended November 30, 2004, is fairly stated, in all material respects. *******Ernst & Young LLP***February 11, 2005 A Member Practice of Ernst & Young Global |
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