American Home Mortgage Servicing, Inc.
MANAGEMENT ASSERTION

As of and for the year ended December 31, 2004, American Home Mortgage
Servicing, Inc. (formerly Columbia National, Incorporated) (the "Company")
has complied in all material respects with the Company's established minimum
servicing standards for residential mortgage loans as set forth in Appendix I
(the "Standards"). The Standards are based on the Mortgage Bankers Association
of America's Uniform Single Attestation Program for Mortgage Bankers. As of
and for this same period, the Company had in effect a fidelity bond in the
amount of $15,000,000 and errors and omissions policy in the amount
of $15,000,000.

March 25, 2005


/s/ Michael Strauss                               /s/ Stephen Hozie
_________________________                         _________________________
Michael Strauss                                   Stephen Hozie
Chief Executive Officer                           Chief Financial Officer






/s/ Robert Bernstein                              /s/ David Friedman
_________________________                         _________________________
Robert Bernstein                                  David Friedman
Controller                                        Executive Vice President



APPENDIX I

MINIMUM SERVICING STANDARDS AS SET FORTH IN THE MORTGAGE
BANKERS ASSOCIATION OF AMERICA'S UNIFORM SINGLE
ATTESTATION PROGRAM FOR MORTGAGE BANKERS

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
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.