PricewaterhouseCoopers

10 Tenth Street. Suite 1400
Atlanta GA 30309-3851
Telephone (678) 419 1000
Facsimile (678) 419 1239

Report of Independent Accountants

To the Board of Directors and Stockholder
of SunTrust Mortgage, Inc. and Subsidiaries:

We have examined management's assertion about SunTrust Mortgage, Inc.'s (the
"Company") compliance with the minimum servicing standards identified in the
Mortgage Bankers Association of America Uniform Single Attestation Program
for MortgageBankers ("USAP") as of and for the year ended December 31, 2004
included in the accompanying management assertion (see Exhibit I). 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 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 the 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 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/Pricewaterhousecoopers LLP

March 24, 2005



SunTrust Mortgage, Inc.
901 Semmes Avenue
Richmond, VA 23224

SUNTRUST      Exhibit I

Management's Assertion Concerning Compliance
with USAP Minimum Servicing Standards

March 23, 2005

As of and for the yesr ended December 31, 2004, SunTrust Mortgage, Inc. and
its subsidiaries (the "Company") have complied in all material respects
with the minimum servicing standards (the "Standards") set forth in the
Mortgage Bankers Association of America's Uniform Single Attestation
Program for Mortgage Bankers ("USAP" except as follows: Section III
Disbursements which requires that amounts remitted to investors per the
servicer's investor reports shall agree with cancelled checks, or other form
of payment, or custodial bank statements.

The principal and interest for an individual loan to one investor as
indicated by the Company's servicing records, did not agree with the
investor's determination of the remittance for that loan. The investor
drafted the amount as indicated by its records not the amount indicated by
the Company's servicing records, resulting in a difference between the
Company's investor reports and the payment amount. This was due to a
modification that was processed on the loan and initially rejected by the
investor.

Subsequent negotiations with the investor resulted in acceptance of the
loan modification, acceptance of the Company's payment calculation and
reimbursement for all remittance differences associated with the loan.

As of and for this same period, the Company had in effect a SunTrust Banks,
Inc. fidelity bond in the amount of $150 million and a SunTrust Banks, Inc.
mortgage errors and omissions policy in the amount of $25 million.

/s/Marvin L. Watts
Marvin L. Watts
Executive Vice President, Executive Servicing &
Operations Manager

/s/Julee W. Andrews
Julee W. Andrews
Senior Vice President, Chief Financial Officer, Treasurer

/s/John R. Purcell, Jr.
John R. Purcell, Jr.
Senior Vice President, Loan Administration Officer

Exhibit II

USAP MINIMUM SERVICING STANDARDS

I. 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 finds 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.

Exhibit II
III. DISBURSEMENTS, continued

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. Unissued 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, investor's 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.