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Re: Officer's Certificate 2004 Annual Reporting

The undersigned Officer certifies the following for the 2004 fiscal year:

(A) I have reviewed the activities and performance of the Servicer during
the preceding fiscal year under the terms of the Servicing Agreement.
Pooling and Servicing Agreement and/or Seller/Servicer Guide and to the best
of these Officer's knowledge, the Servicer has fulfilled all of its duties,
responsibilities or obligations under these Agreements throughout such year,
or if there has been a default or failure of the servicer to perform any
such duties, responsibilities or obligations, a description of each default
or failure and the nature and status thereof has been reported.

(B) I have confirmed that the Servicer is currently an approved FNMA or
FHLMNC servicer in good standing.

(C) I have confirmed that the Fidelity Bond, the Errors and Omissions
Insurance Policy and any other bonds required under the terms of the
Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement
and/or Seller/Servicer Guide are in full force and effect;

(D) All premiums for each Hazard Insurance Policy, Flood Insurance Policy (if
applicable) and Primary Mortgage Insurance Policy (if applicable), with
respect to each Mortgaged Property, have been paid and that all such
insurance policies are in full force and effect;

(E) All real estate taxes, governmental assessments and any other expenses
accrued and due, that if not paid could result in a lien or encumbrance on
any Mortgage Property, have been paid, or if any such costs or expenses have
not been paid with respect to any Mortgaged Property, the reason for the non-
payment has been reported.

(F) All Custodial Accounts have been reconciled and properly funded; and

(G) All annual reports of Foreclosure and Abandonment of Mortgage Property
requires per section 6050H, 6050J and 6050P of the Internal Revenue Code,
respectively, have been prepared and filed.

Certified By:

/s/: David Dill
Officer: David Dill

President
Title: President

3-21-2005
Date

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purpose.

Saxon Mortgage Services, Inc 4708 Mercantile Drive North Forth Worth,
 TX 76137-3605
PO Box 161480 Fort Worth, TX 76161-1480 (817) 665-7200 Fax (817) 665-7400