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 and for the year ended December 31, 2004 is fairly
stated, in all material respects.

/s/KPMG LLP

March 17, 2005


GreenPoint Mortgage
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:

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.A Ibrahim
Chief Executive Officer

/s/ Dave Petrini
Dave Petrini
Chief Financial Officer

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