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(KPMG LOGO)

                                                                    Exhibit 99.4



KPMG LLP
55 Second Street
San Francisco, CA 94105





                        INDEPENDENT ACCOUNTANTS' REPORT


The Board of Directors
North Fork Bancorporation, Inc.:

We have examined management's assertion, included in the accompanying
Management Assertion, that GreenPoint Mortgage Funding, Inc., a wholly owned
subsidiary of North Fork Bancorporation, Inc., complied with the minimum
servicing standards set forth in the Mortgage Bankers Association of America's
Uniform Single Attestation Program for Mortgage Bankers (USAP) as of and for
the year ended December 31, 2004. Management is responsible for GreenPoint
Mortgage Funding, Inc.'s compliance with those minimum servicing standards. Our
responsibility is to express an opinion on management's assertion about the
Company's compliance based on our examination.

Our examination was conducted in accordance with attestation standards
established by the American Institute of Certified Public Accountants and,
accordingly, included examining, on a test basis, evidence about GreenPoint
Mortgage Funding, Inc.'s compliance with the minimum servicing standards
specified above 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 GreenPoint Mortgage Funding, Inc.'s compliance with the minimum servicing
standards.

Management identified the following material noncompliance with minimum
servicing standards over mortgage payments as of and for the year ended December
31, 2004. The mortgage interest rate changes on certain Home Equity Lines of
Credit were not adjusted at the appropriate date in accordance with the
mortgagor's loan documents. This resulted in the mortgagor being overcharged for
the period from the interest rate change until the correct effective date, which
was the first day of the following month.

In our opinion, except for the material noncompliance described in the third
paragraph, management's assertion that GreenPoint Mortgage Funding, Inc.
complied with the aforementioned minimum servicing standards as of the for the
year ended December 31, 2004 is fairly stated, in all material respects.





                                       /s/ KPMG LLP



March 17, 2005

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                                                         PO Box 84013
                                                         Columbus, GA 31908-4013

                                                      [GREENPOINT MORTGAGE LOGO]

                                                              SERVICING DIVISION

                              MANAGEMENT ASSERTION

March 17, 2005

As of and for the year ended December 31, 2004, GreenPoint Mortgage Funding,
Inc. (the "Company") 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, except for the
following:

     o    In certain circumstances, the mortgage interest rate changes on
          certain Home Equity Lines of Credit were not adjusted at the
          appropriate date in accordance with the mortgagor's loan documents.
          This resulted in the mortgagor being overcharged for the period from
          the interest rate change until the correct effective date, which was
          the first day of the following month. This error was identified by
          Management and the systemic issue that caused the incorrect
          calculation of interest was resolved prior to the issuance of this
          letter.

As of and for the year ended December 31, 2004, the Company had in effect a
fidelity bond in the amount of $25,000,000 for a single loss limit and an
aggregate limit of liability of $50,000,000 and an errors and omissions policy
in the amount of $25,000,000 for a single loss limit and no aggregate limit of
liability.

Very truly yours,

GreenPoint Mortgage Funding, Inc., as Servicer





  /s/ S.A. Ibrahim                                   /s/ Dave Petrini
-----------------------                           -----------------------
S.A. Ibrahim                                      Dave Petrini
Chief Executive Officer                           Chief Financial Officer





/s/ Mike De Francesco
-----------------------
Mike De Francesco
Senior Vice President - Loan Administration