EXHIBIT 99.2 -- Report of Independent Accountants

(a)

[PRICEWATERHOUSECOOPERS logo]



PricewaterhouseCoopers LLP
222 Lakeview Avenue
Suite 360
West Palm Beach, FL 33401
Telephone (561) 832 0038
Facsimile (561) 805 8181



INDEPENDENT REGISTERED CERTIFIED PUBLIC ACCOUNTANT'S REPORT

To the Board of Directors of
Ocwen Federal Bank FSB

We have examined management's assertion,
included in the accompanying Management Assertion
on Compliance with USAP, that, except for the
noncompliance related to reconciliations described
in the third paragraph and the noncompliance
related to adjustable rate mortgages described
in the fifth paragraph, Ocwen Federal Bank
FSB (the "Bank") complied with the minimum servicing
standards identified in the Mortgage Bankers
Association of America's ("MBA's") Uniform
Single Attestation Program for Mortgage Bankers
("USAP") as of and for the year ended December
31, 2004, Management is responsible for the
Bank's compliance with those minimum servicing
standards. Our responsibility is to express an opinion
on management's assertion about the Bank's compliance
based on our examination.

Our examination was made in accordance with
standards established by the American Institute
of Certified Public Accountants and, accordingly,
included examining, on a test basis, evidence
about the Bank's compliance with the minimum
servicing standards and performing such other
procedures as we consider 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 Bank's compliance with
the minimum servicing standards.

Our examination disclosed noncompliance with
minimum servicing standards related to account
reconciliations and adjustable rate mortgages
applicable to the Bank during the year ended
December 31, 2004. Such noncompliance is described
in the accompanying Management Assertion on
Compliance with USAP.

In our opinion, management's assertion that
the Bank complied with the aforementioned minimum
servicing standards, except for noncompliance as
described in the accompanying Management Assertion
on Compliance with USAP, as of and for the year
ended December 31, 2004 is fairly stated, in all
material respects.

/s/ PricewaterhouseCoopers LLP

March 29, 2005



(b)

[KPMG logo]
		KPMG LLP
		2500 Ruan Center
		666 Grand Avenue
		Des Moines, IA 60309


		Independent Accountants' Report


The Board of Directors
Wells Fargo Home Mortgage, a
division of Wells Fargo Bank, NA:


We have examined management's assertion, included in
the accompanying Assertion of Management of Wells
Fargo Home Mortgage, a division of Wells Fargo Bank,
N.A. (the Company), that the Company 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 the Company'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 the Company'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 the Company's compliance with the minimum servicing
standards.

In our opinion, management's assertion that the Company
complied with the aforementioned minimum servicing
standards as of and for the year ended December 31,
2004 is fairly stated, in all material respects.



/s/ KPMG LLP

February 23,2005