REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

To the Board of Directors of
American Home Mortgage Servicing, Inc.
Melville, New York

We have examined management's assertion that American Home Mortgage Servicing,
Inc. (formerly Columbia National, Incorporated) (the "Company") has complied
as of and for the year ended December 31, 2004, with its established minimum
servicing standards described in the accompanying 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
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.

/s/Deloitte & Touche LLP
Princeton, New Jersey
March 25, 2005

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.