|ERNST & YOUNG
      Ernst & Young LLP Suite 3900 200 South
      Biscayne Boulevard Miami, Florida 33131-5313 Phone: (305) 358-4111
      www.ey.com
      
      Report of Independent Certified Public Accountants
      To Lennar Partners, Inc. We have
      examined management's assertion, included herein, that Lennar Partners,
      Inc. (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) during the year ended
      December 31, 2004. Management is responsible for the Company's
      compliance with those requirements. Our responsibility is to express
      an opinion on management's assertion 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 those requirements 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 specified requirements. In our opinion,
      management's assertion that the Company complied with the
      aforementioned requirements during the year ended December 31, 2004,
      is fairly stated, in all material respects.
      Ernst & Young LLP
      March 8, 2005
      A Member Practice of Ernst & Young
      Global
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|