Deloitte & Touche LLP
Suite 3300
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Seattle, WA 98104-1126
USA
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REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
Board of Directors
Washington Mutual Bank, FA and Subsidiaries

We have examined management's assertion that Washington Mutual Bank, FA and
Subsidiaries (the "Company") has complied as of and for the year ended
December 31, 2004, with its established minimum servicing standards for
single family residential mortgages identified in the accompanying
Management's Assertion, dated March 7, 2005. 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, as
adopted by the Public Company Accounting Oversight Board,and, accordingly,
included examining, on a test basis, evidence about the Company's
compliance with its 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 its 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 based on the
criteria set forth in Appendix I.


March 7, 2005

/s/ Deloitte & Touche LLP

Member of
Deloitte Touche Tohmetsu




Washington Mutual

MANAGEMENT'S ASSERTION

As of and for the year ended December 31, 2004, Washington Mutual Bank,
FA and Subsidiaries (the "Company") has complied, in all material
respects, with the Company's established minimum servicing standards
for single family residential mortgages as set forth in Appendix I
(the "Standards"). The Standards are based on the Mortgage Banker's
AssociatiOn of America's Uniform Single Attestation Program for
Mortgage Bankers.

As of and for this same period, the Company (as subsidiary of
Washington Mutual, Inc.) was covered by a fidelity bond in the amount
of $110 million and errors and omissions policy in the amount of $20
million.


/s/Craig Chapman
Craig Chapman
President
Commercial Banking

/s/Conrad Vasquez
Conrad Vasquez
Senior Vice President
Home Loans Service Delivery

/s/Dyan Beito
Dyan Beito
Division Executive
Service Delivery and Enterprise Contact Center


March 7, 2005


Washington Mutual
WASHINGTON MUTUAL BANK, FA AND SUBSIDIARIES
APPENDIX I: MINIMUM SERVICING STANDARDS FOR SINGLE FAMILY
RESIDENTIAL
MORTGAGES AS SET FORTH IN ThE MORTGAGE BANKERS ASSOCIATION OF
AMERICA'S UNIFORM SINGLE ATTESTATION PROGRAM FOR MORTGAGE
BANKERS
CUSTODIAL BANK ACCOUNTS
1. Reconciliations shall be prepared on a monthly basis for all
   custodial bank accounts and related bank clearing accounts.
   These reconciliations shall:
   be mathematically accurate;
   be prepared within forty-five (45) calendar days after the
   cutoff date;
   be reviewed and approved by someone other than the person
   Who prepared the reconciliation; and document explanations
   for reconciling items. These reconciling items shall be
   resolved within ninety (90) calendar days of their original
   identification.

2. Funds of the servicing entity shall be advanced in cases where
   there is an overdraft in an investor's or a mortgagor's account.

3. Each custodial account shall be maintained at a federally
   insured depository institution in trust for the applicable
   investor.

4. Escrow funds held in trust for a mortgagor shall be returned to
   the mortgagor within thirty (30) calendar days of payoff of the
   mortgage loan.

II. MORTGAGE PAYMENTS

1. Mortgage payments shall be deposited into the custodial bank
   accounts and related bank clearing accounts within two business
   days of receipt.

2. Mortgage payments made in accordance with the mortgagor's loan
   documents shall be posted to the applicable mortgagor records
   within two business days of receipt.

3. Mortgage payments shall be allocated to principal, interest,
   insurance, taxes, or other escrow items in accordance with the
   mortgagor's loan documents.

4. Mortgage payments identified as loan payoffs shall be allocated
   in accordance with the mortgagor's loan documents.

III. DISBURSEMENTS

1. Disbursements made via wire transfer on behalf of a mortgagor or
   investor shall be made only by authorized personnel.

2. Disbursements made on behalf of a mortgagor or investor shall be
   posted within two business days to the mortgagor's or investor's
   records maintained by the servicing entity.

3. Tax and insurance payments shall be made on or before the penalty
   or insurance policy expiration dates, as indicated on tax bills
   and insurance premium notices, respectively, provided that such
   support has been received by the servicing entity at least thirty
   (30) calendar days prior to these dates.

4. Any late payment penalties paid in conjunction with the payment of
   any tax bill or insurance premium notice shall be paid from the
   servicing entity's funds and not charged to the mortgagor, unless
   the late payment was due to the mortgagor's error or omission.

5. Amounts remitted to investors per the servicer's investor reports
   shall agree with cancelled checks, or other form of payment, or
   custodial bank statements.

6. Unused checks shall be safeguarded so as to prevent unauthorized
   access.

IV. INVESTOR ACCOUNTING AND REPORTING

1. The servicing entity's investor reports shall agree with, or
   reconcile to, investors' records on a monthly basis as to the total
   unpaid principal balance and number of loans serviced by the
   servicing entity.

V. MORTGAGOR LOAN ACCOUNTING

1. The servicing entity's mortgage loan records shall agree with, or
   reconcile to, the records of mortgagors with respect to the unpaid
   principal balance on a monthly basis.

2. Adjustments on ARM loans shall be computed based on the related
   mortgage note and any ARM rider.

3. Escrow accounts shall be analyzed, in accordance with the mortgagor's
   loan documents, on at least an annual basis.

4. Interest on escrow accounts shall be paid, or credited, to mortgagors
   in accordance with the applicable state laws.

VI. DELINQUENCIES

1. Records documenting collection efforts shall be maintained during the
   period a loan is in default and shall be updated at least monthly.
   Such records shall describe the entity's activities in monitoring
   delinquent loans, including, for example, phone calls, letters, and
   mortgage payment rescheduling plans in cases where the delinquency
   is deemed temporary (e.g., illness or unemployment).

VII. INSURANCE POLICIES

1. A fidelity bond and errors and omissions policy shall be in effect on
   the servicing entity throughout the reporting period in the amount of
   coverage represented to investors in management's assertion.