PRICEWATERHOUSECOOPERS
PricewaterhouseCoopers LLP
214 N. Tryon Street
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Charlotte NC 28202
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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, a s 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 standa rds.
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 LLP
March 10, 2005
