|Deloitte

Deloitte & Touche LLP Suite 3300 925 Fourth Avenue Seattle, WA  98104-1126 USA Tel: +1 206 716 7000 www.deloitte.com REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM Board of Directors Washington Mutual Bank, FA and Subsidiaries We have examined management's assertion that Washington Mutual Bank, FA and Subsidiaries (the "Company") has complied as of and for the year ended December 31, 2004, with its established minimum servicing standards for single family residential mortgages identified in the accompanying Management's Assertion, dated March 7, 2005.  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. Deloitte & Touche LLP March 7, 2005

Member of
Deloitte Touche Tohmatsu                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       
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|Washington Mutual

MANAGEMENT'S ASSERTIONAs of and for the year ended December 31, 2004, Washington Mutual Bank, FA and Subsidiaries (the "Company") has complied, in all material respects, with the Company's established minimum servicing standards for single family residential mortgages as set forth in Appendix I (the "Standards"). The Standards are based on the Mortgage Banker's Association of America's Uniform Single Attestation Program for Mortgage Bankers. As of and for this same period, the Company (as subsidiary of Washington Mutual, Inc.) was covered by a fidelity bond in the amount of $110 million and errors and omissions policy in the amount of $20 million. /s/ Craig Chapman Craig Chapman President Commercial Banking /s/ Conrad D. Vasquez Conrad Vasquez Senior Vice President Home Loans-Service Delivery /s/ Dyan Beito Division Executive Service Delivery and Enterprise Contact Center March 7, 2005
1201 3rd Avenue
Seattle, WA 98101                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  
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|Washington Mutual

WASHINGTON MUTUAL BANK, FA AND SUBSIDIARIES APPENDIX I: MINIMUM  SERVICING STANDARDS FOR SINGLE FAMILY RESIDENTIAL MORTGAGES 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; 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 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.

1201 3rd Avenue
Seattle, WA 98101                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               
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|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).


1201 3rd Avenue
Seattle, WA 98101
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|VII.   INSURANCE POLICIES

1.  A fidelity bond and errors and omissions policy shall be in effect on the servicing
investors in management's assertion.













1201 3rd Avenue
Seattle, WA 98101                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   
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