|PRICEWATERHOUSECOOPERS
      
      PricewaterhouseCoopers LLP 214 N. Tryon Street
      Ste 3600 Charlotte NC 28202 Telephone (704) 344 7500
      Facsimile (704) 344 4100
      
      Report of Independent Accountants
      To the Board of Directors and Shareholders
      of Bank of America, N.A. Capital Markets Servicing Group:
      We have examined management's assertion about Bank of America,
      N.A.'s Capital Markets Servicing Group (CMSG), as master servicer,
      compliance with the minimum servicing standards identified 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, included in the accompanying management assertion
      (see Exhibit I), except as that assertion relates to minimum servicing
      standards I.4, II, III.2, III.3, III.4, III.6, V and VI, for which
      primary servicing of loans is performed by subservicers. Management is
      responsible for CMSG's compliance with those minimum servicing
      standards. Our responsibility is to express an opinion on management's
      assertion about CMSG's compliance, as master servicer, except as that
      assertion relates to the minimum servicing standards I.4, II, III.2,
      III.3, III.4, III.6, V and VI, for which primary servicing of loans is
      performed by subservicers, based on our examination. Our
      examination was made in accordance with standards established by the
      American Institute of Certified Public Accountants and, accordingly,
      included examining, on a test basis, evidence about CMSG's compliance
      with the minimum servicing standards and performing such other procedures
      as we considered necessary in the circumstances. The primary servicing
      of loans in this portfolio is performed by subservicers on behalf of
      CMSG, Consequently, we did not perform procedures regarding the
      minimum servicing standards I.4, II, III.2, III.3, III.4, III.6, V and VI.
      We believe that our examination provides a reasonable basis for our
      opinion. Our examination does not provide a legal determination on
      CMSG's compliance with the minimum servicing standards. In our
      opinion, management's assertion that CMSG, as master servicer, complied
      with the aforementioned minimum servicing standards as of and for the
      year ended December 31, 2004, is fairly stated, in all material
      respects, except as that assertion relates to minimum servicing standards
      I.4, II, III.2, III.3, III.4, III.6, V and VI, for which the primary
      servicing of loans is performed by subservicers and as noted in the
      accompanying management assertion.
      PriceWaterhouseCoopers LLPMarch 10,
      2005
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|Exhibit I
      
      Management's Assertion Concerning Compliance
      with USAP Minimum Servicing Standards
      March 10, 2005 As of
      and for the year ended December31, 2004, Bank of America, NA. Capital
      Markets Servicing Group (CMSG) has complied in all material respects
      with the minimum servicing standards set forth in the Mortgage Bankers
      Association of Americas Uniform Single Attestation Program for Mortgage
      Bankers(USAP), except for minimum servicing standards I.4, II,
      III.2, III.3, III.4, III.6, V and VI, for which primary servicing of
      loans is performed by subservicers. As of and for this same
      period, Bank of America, N.A. had in effect a fidelity bond and errors and
      omissions policy in the amounts of $325,000,000 and $180,000,000,
      respectively. /s/ Sean D. ReillySean D.
      Reilly Principal ­ Commercial Loans Site Manager
      /s/ H. Michael LumadueH. Michael Lumadue Vice
      President                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  
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