item 14 principal accounting fees services applicable part iv item 15 item 7 managements discussion analysis financial condition results operation applicable item 7a item 7a quantitative qualitative disclosures market risk applicable item 8 item 8 financial statements supplementary data applicable item 9 item 15 exhibits financial statement schedules following documents filed part report 1 financial statements applicable 2 financial statement schedules applicable 3 exhibits rule 13a14a15d14a certification filed 311 hereto annual independent accountants report management assertion filed exhibit 991 hereto servicers annual statement compliance filed exhibit 992 hereto b exhibits required filed registrant pursuant item 601 regulation sk listed item 15a3 c applicable gsr mortgage loan trust 200413f mortgage passthrough certificates series 200413f signature pursuant requirements section 13 15d securities exchange act 1934 registrant duly caused report signed behalf undersigned thereunto duly authorized michelle gill name michelle gill title vice president date march 30 2005 supplemental information furnished reports filed pursuant section 15d act registrants registered securities pursuant section 12 act registrant sent annual report proxy material security holders registrant sending annual report proxy material security holders subsequent filing form exhibit index exhibit description 311 rule 13a14a15d14a certification 991 annual independent accountants report management assertion chase manhattan mortgage corp master servicer b abn amro mortgage corp servicer c citimortgage inc servicer greenpoint mortgage funding inc servicer e national city mortgage co servicer f wells fargo bank na servicer 992 annual servicers statement compliance chase manhattan mortgage corp master servicer b abn amro mortgage corp servicer c citimortgage inc servicer greenpoint mortgage funding inc servicer e national city mortgage co servicer f wells fargo bank na servicer exhibit 311 rule 13a14a15d14a certification depositor certification gsr mortgage loan trust 200413f trust mortgage passthrough certificates series 200413f issued pursuant trust agreement dated october 1 2004 trust agreement among wachovia bank na trustee jpmorgan chase bank securities administrator capacity securities administrator custodian capacity custodian gs mortgage securities corp depositor serviced chase manhattan mortgage corp master servicer abn amro mortgage group inc citimortgage inc greenpoint mortgage funding inc national city mortgage co wells fargo bank na servicers pursuant respective servicing agreements servicing agreements michelle gill certify 1 reviewed annual report form 10k annual report reports form 8k containing distribution reports collectively annual report reports filed respect periods included year covered annual report trust 2 based knowledge information reports taken whole contain untrue statement material fact omit state material fact necessary make statements made light circumstances statements made misleading last day period covered annual report 3 based knowledge distribution servicing information required provided trustee servicers trust agreement servicing agreements inclusion reports included reports 4 based knowledge upon annual compliance statement included annual report required delivered trustee accordance terms servicing agreements except disclosed reports servicers fulfilled obligations servicing agreements 5 reports disclose significant deficiencies relating servicers compliance minimum servicing standards based upon report provided independent public accountant conducting review compliance uniform single attestation program mortgage bankers similar procedure set forth trust agreement included reports giving certifications reasonably relied information provided following unaffiliated parties trustee servicers date march 30 2005 michelle gill name michelle gill title vice president exhibit 991 annual independent accountants report management assertion chase manhattan mortgage corp master servicer b abn amro mortgage corp servicer c citimortgage inc servicer greenpoint mortgage funding inc servicer e national city mortgage co servicer f wells fargo bank na servicer chase manhattan mortgage corporation pricewaterhousecoopers llp pricewaterhousecoopers center 300 madison avenue new york ny 10017 telephone 646 4713000 facsimile 813 2866000 report independent auditors board directors chase manhattan mortgage corporation examined managements assertion chase manhattan mortgage corporations company compliance minimum servicing standards set forth mortgage bankers association americas uniform single attestation program mortgage bankers usap year ended december 31 2004 company interpreted usap determined usap minimum servicing standards i1 i2 i3 iii1 iii5 iv1 vii1 applicable master servicers included accompanying management assertion see exhibit management responsible companys compliance minimum servicing standards responsibility express opinion managements assertion relates companys compliance aforementioned minimum servicing standards based examination company interpreted usap determined usap minimum servicing standards i4 ii1 ii2 ii3 ii4 iii2 iii3 iii4 iii6 v1 v2 v3 v4 vi1 applicable master servicers company uses subservicing organization perform servicing obligations subject servicing standards i4 ii1 ii2 ii3 ii4 iii2 iii3 iii4 iii6 v1 v2 v3 v4 vi1 usap examine companys compliance servicing standards referred previous sentence accordingly express opinion thereon examination made accordance attestation standards established american institute certified public accountants accordingly included examining test basis evidence companys compliance minimum servicing standards performing procedures considered necessary circumstances believe examination provides reasonable basis opinion examination provide legal determination companys compliance minimum servicing standards opinion managements assertion company complied aforementioned minimum servicing standards solely relate standards i1 i2 i3 iii1 iii5 iv1 vii1 year ended december 31 2004 fairly stated material respects pricewaterhousecoopers llc pricewaterhousecoopers llc march 23 2005 exhibit managements assertion concerning compliance usap minimum servicing standards march 23 2005 year ended december 31 2004 chase home finance llc successor merger chase manhattan mortgage corporation company complied material respects minimum servicing standards set forth mortgage bankers association americas uniform single attestation program mortgage bankers usap determined applicable master servicers interpreted usap determined minimum servicing standards i1 i2 i3 iii1 iii5 iv1 vii1 set forth usap applicable master servicers also interpreted usap minimum servicing standards i4 ii1 ii2 ii3 ii4 iii2 iii3 iii4 iii6 v1 v2 v3 v4 vi1 set forth usap applicable master servicers minimum servicing standards company relies performance subservicers assertion relates specifically companys master servicing portfolio companys policy obtain review usap reports independent auditors subservicers annual basis usap reports year ended december 31 2004 available march 23 2005 march 23 2005 company obtained usap reports 32 subservicers serviced loans comprising 90 unpaid principal balance companys master servicing portfolio december 31 2004 instances noncompliance noted usap reports received subservicers march 23 2005 included exhibit ii hereto period company effect fidelity bond errors omissions policy amounts 250000000 25000000 respectively diane bentz diane bentz senior vice president chase home finance llc bonnie collins bonnie collins senior vice president chase home finance llc exhibit ii chase manhattan mortgage corporation subservicers usap report exceptions policy chase manhattan mortgage corporation company obtain uniform single attestation program mortgage bankers usap reports independent auditors subservicers year ended december 31 2004 march 23 2005 company obtained reviewed usap reports 32 subservicers serviced loans comprising 90 unpaid principal balance companys master servicing portfolio december 31 2004 company noted instances noncompliance included usap reports received march 23 2005 summarized servicer exception cendant mortgage corporation company comply requirement prepare custodial bank account reconciliations within 45 calendar days cutoff date requirement resolve reconciling items within 90 calendar days original identification specified minimum servicing standards north fork bancorporation inc mortgage interest rate changes certain home equity lines credit adjusted appropriate date accordance mortgagors loan documents resulted mortgagor overcharged period interest rate change correct effective date first day following month gmac mortgage corporation bank accounts course several months company full compliance usap requirements related preparation custodial bank reconciliations within 45 calendar days cutoff well resolution reconciling items within 90 calendar days original identification company remediated issues related preparation custodial bank accounts reconciliations within 45 calendar days december 31 2004 ernst young llp sears tower phone 312 6792000 21 south wacker drive wwweycom chicago illnois 60606 report managements assertion compliance minimum servicing standards set forth uniform single attestation program mortgage bankers report independent accountants board directors lasalle bank corporation examined managements assertion included accompanying report titled report management abn amro mortgage group inc aamg wholly owned subsidiary lasalle bank corporation complied servicing standands identified exhibit report management specified minimum servicing standards set forth mortgage bankers association americas uniform single attestation program mortgage bankers usap year ended december 31 2004 management responsible aamgs compliance specified minimum servicing standards responsibility express opinion managements assertion aamgs compliance based examination made accordance standards established american institute certified public accountants accordingly included examining test basis evidence aamgs compliance specified minimum servicing standards performing procedures considered necessary circumstances believe examination provides reasonable basis opinion examination provide legal determination aamgs compliance specified minimum servicing standards opinion managements assertion aamg complied aforementioned specified minimum servicing standards year ended december 31 2004 fairly stated material respects ernst young llp february 25 2005 abn amro mortgage loan administration 4242 north harlem avenue norridge illinois 60706 managements assertion compliance minimum servicing standards set forth uniform single attestation program mortgage bankers report management members management abn amro mortgage group inc aamg wholly owned subsidiary lasalle bank corporation responsible complying servicing standards identified attached exhibit specified minimum servicing standards set forth mortgage bankers association americas uniform single attestation program mortgage bankers usap also responsible establishing maintaining effective internal control compliance specified minimum servicing standards performed evaluation aamgs compliance specified minimum servicing standards december 31 2004 year ended based evaluation assert year ended december 31 2004 bank complied material respects specified minimum servicing standards period lasalle bank corporation effect fidelity bond amount 240000000 error omissions policy amount 25000000 joseph mcdaniels joseph mcdaniels executive vice president abn amro mortgage group february 25 2005 exhibit specified minimum servicing standards custodial bank accounts 1 reconciliations shall prepared monthly basis custodial bank accounts related bank clearing accounts reconciliations shall mathematically accurate b prepared within fortyfive 45 calendar days cutoff date cutoff date bank account reconciled every month may coincide prescribed investor reporting date shall consistent period c reviewed approved someone person prepared reconciliation document explanations reconciling items reconciling items shall resolved within ninety 90 calendar days original identification 2 funds servicing entity shall advanced cases overdraft investors mortgagors account 3 custodial account shall maintained federally insured depository institution trust applicable investor 4 escrow funds held trust mortgagor shall returned mortgagor within thirty 30 calendar days payoff mortgage loan ii mortgage payments 1 mortgage payments shall deposited custodial bank accounts related bank clearing accounts within two 2 business days receipt 2 mortgage payments made accordance mortgagors loan documents shall posted applicable mortgage records within two 2 business days receipt 3 mortgage payments shall allocated principal interest insurance taxes escrow items accordance mortgagors loan documents 4 mortgage payments identified loan payoffs shall allocated accordance mortgagors loan documents iii disbursements 1 disbursements made via wire transfer behalf mortgagor investor shall made authorized personnel 2 disbursements made behalf mortgagor investor shall posted within two 2 business days mortgagors investors records maintained servicing entity 3 tax insurance payments shall made penalty insurance policy expiration dates indicated tax bills insurance premium notices respectively provided support received servicing entity least thirty 30 calendar days prior dates 4 late payment penalties paid conjunction payment tax bill insurance premium notice shall paid servicing entitys funds charged mortgagor unless late payment due mortgagors error omission 5 amounts remitted investors per servicers investor reports shall agree cancelled checks form payment custodial bank statements 6 unissued checks shall safeguarded prevent unauthorized access iv investor accounting reporting 1 servicing entitys investor reports shall agree reconcile investors records monthly basis total unpaid principal balance number loans serviced servicing entity v mortgagor loan accounting 1 servicing entitys mortgage loan records shall agree reconcile records mortgagors respect unpaid principal balance monthly basis 2 adjustments adjustable rate mortgage arm loans shall computed based related mortgage note arm rider 3 escrow accounts shall analyzed accordance mortgagors loan documents least annual basis 4 interest escrow accounts shall paid credited mortgagors accordance applicable state laws vi delinquencies 1 records documenting collection efforts shall maintained period loan default shall undated least monthly records shall describe entitys activities monitoring delinquent loans including example phone calls letters mortgage payment rescheduling plans cases delinquency deemed temporary ie illness unemployment vii insurance policies 1 fidelity bond errors omissions policy shall effect servicing entity throughout reporting period amount coverage represented investors managements assertion kpmg suite 900 telephone 3144441400 10 south broadway fax 3144441470 st louis mo 631021761 internet wwwuskpmgcom independent accountants report boards directors citimortgage inc citimortgage asset management inc examined managements assertion included accompanying management assertion citimortgage inc subsidiaries citimortgage asset management inc collectively referred company complied minimum servicing standards set forth mortgage bankers association americas uniform single attestation program mortgage bankers year ended december 31 2004 management responsible companys compliance minimum servicing standards responsibility express opinion managements assertion companys compliance based examination conducted accordance attestation standards established american institute certified public accountants accordingly included examining test basis evidence companys compliance minimum servicing standards specified performing procedures considered necessary circumstances believe examination provides reasonable basis opinion examination provide legal determination companys compliance minimum servicing standards opinion managements assertion company complied aforementioned minimum servicing standards year ended december 31 2004 fairly stated material respects kpmg st louis missouri march 4 2005 citimortgage inc 1000 technology drive mail staton 822 ofallon missouri 63304 management asserton year ended december 31 2004 citimortgage inc subsidiaries citimortgage asset management inc collectively referred company complied material respects minimum servicing standards set forth mortgage bankers association americas uniform single attestation mortgage bankers period company effect fidelity bond policy 300 million errors omissions policy amount 50 million truly david schneider david schneider president chief operating officer citimortgage inc bill beckmann bill beckmann president citigroup real estate servicing technology arlene hyde arlene hyde managing director servicing division citigroup real estate servicing technology paul ince paul ince chief financial officer citimortgage inc march 4 2005 kpmg llp 55 second street san francisco ca 94105 independent accountants report board directors north fork bancorporation inc examined managements assertion included accompanying management assertion greenpoint mortgage funding inc wholly owned subsidiary north fork bancorporation inc complied minimum servicing standards set forth mortgage bankers association americas uniform single attestation program mortgage bankers usap year ended december 31 2004 management responsible greenpoint mortgage funding incs compliance minimum servicing standards responsibility express opinion managements assertion companys compliance based examination conducted accordance attestion standards established american institute certified public accountants accordingly included examining test basis evidence greenpoint mortgage funding incs compliance minimum servicing standards specified performing procedures considered necessary circumstances believe examination provides reasonable basis opinion examination provide legal determination greenpoint mortgage funding incs compliance minimum servicing standards management identified following material noncompliance minumum servicing standards mortgage payments year ended december 31 2004 mortgage interest rate changes certain home equity lines credit adjusted appropriate date accordance mortgagors loan documents resulted mortgagor overcharged period interest rate change correct effective date first day following month opinion except material noncompliance described third paragraph managements assertion greenpoint mortgage funding inc complied aforementioned minimum servicing standards year ended december 31 2004 fairly stated material respects kpmg lp march 17 2005 greenpoint mortgage servicing division managements asserton march 17 2005 year ended december 31 2004 greenpoint mortgage funding inc company complied material respects minimum servicing standards set forth mortgage bankers association americas uniform single attestation program mortgage bankers except following certain circumstances mortgage interest rate changes certain home equity lines credit adjusted appropriate date accordance mortgagors loan documents resulted mortgagor overcharged period interest rate change correct effective date first day following month error identified management systemic issue caused incorrrect calculation interest resolved prior issuance letter year ended december 31 2004 company effect fidelity bond amount 25000000 single loss limit aggregate limit liability 50000000 errors omissions policy amount 25000000 single loss limit aggregate limit liability truly greenpoint mortgage funding inc servicer ibrahim david petrini ibrahim david petrini chief executive officer chief financial officer mike de francesco mike de francesco senior vice president loan administration ernest young llp 1300 huntington building cleveland ohio report managements assertion compliance specified minimum servicing standards set forth uniform single attestation program mortgage bankers report independent accountants board directors national city mortgage co examined managements assertion included accompanying report titled report management national city mortgage co ncm complied minimum servicing standards identified exhibit report management specific minimum servicing standards set forth mortgage bankers association americas uniform single attestation program mortgage bankers usap yearended december 31 2004 management responsible ncms compliance specified minimum servicing standards responsibility express opinion managements assertions ncms compliance based examination made accordance attestation standards established american institute certified public accountants accordingly included examining test basis evidence ncms compliance specified minimum servicing standards performing procedures considered necessary circumstances believe examination provides reasonable basis opinion examination provide legal determination ncms compliance specified minimum servicing standards opinion managements assertion ncm complied aforementioned specified minimum servicing standards year ended december 31 2004 fairly stated material respects ernest young llp march 11 2005 exhibit specified minimum servicing standards custodial bank accounts 1 reconciliations shall prepared monthly basis custodial bank accounts related bank clearing accounts reconciliations shall mathematically accurate b prepared within fortyfive 45 calendar days cutoff date cutoff date bank account reconciled every month may coincide prescribed investor reporting date shall consistent period c reviewed approved someone person prepared reconciliation document explanations reconciling items reconciling items shall resolved within ninety 90 calendar days original identification 2 funds servicing entity shall advanced cases overdraft investors mortgagors account 3 custodial account shall maintained federally insured depository institution trust applicable investor 4 escrow funds held trust mortgagor shall returned mortgagor within thirty 30 calendar days payoff mortgage loan ii mortgage payments 1 mortgage payments shall deposited custodial bank accounts related bank clearing accounts within two 2 business days receipt 2 mortgage payments made accordance mortgagors loan documents shall posted applicable mortgagor records within two 2 business days receipt 3 mortgage payments shall allocated principal interest insurance taxes escrow items accordance mortgagors loan documents 4 mortgage payments identified loan payoffs shall allocated accordance mortgagors loan documents iii disbursements 1 disbursements made via wire transfer behalf mortgagor investor shall made authorized personnel 2 disbursements made behalf mortgagor investor shall posted within two 2 business days mortgagors investors records maintained servicing entity 3 tax insurance payments shall made penalty insurance policy expiration dates indicated tax bills insurance premium notices respectively provided support received servicing entity least thirty 30 calendar days prior dates 4 late payment penalties paid conjunction payment tax bill insurance premium notice shall paid servicing entitys funds charged mortgagor unless late payment due mortgagors error omission 5 amounts remitted investors per servicers investor reports shall agree cancelled checks form payment custodial bank statements 6 unissued checks shall safeguarded prevent unauthorized access iv investor accounting reporting 1 servicing entitys investor reports shall agree reconcile investors records monthly basis total unpaid principal balance number loans serviced servicing entity v mortgagor loan accounting 1 servicing entitys mortgage loan records shall agree reconcile records mortgagors respect unpaid principal balance monthly basis 2 adjustments adjustable rate mortgage arm loans shall computed based related mortgage note arm rider 3 escrow accounts shall analyzed accordance mortgagors loan documents least annual basis 4 interest escrow accounts shall paid credited mortgagors accordance applicable state laws vi delinquencies 1 records documenting collection efforts shall maintained period loan default shall undated least monthly records shall describe entitys activities monitoring delinquent loans including example phone calls letters mortgage payment rescheduling plans cases delinquency deemed temporary ie illness unemployment vii insurance policies 1 fidelity bond errors omissions policy shall effect servicing entity throughout reporting period amount coverage represented investors managements assertion national city mortgage co subsidiary national city bank indiana 3232 newmark drive miamisburg ohio 45342 telephone 937 9101200 managements assertion compliance minimum servicing standards set forth uniform single attestation program mortgage bankers report management members management national city mortgage co ncm responsible complying minimum servicing standards set forth mortgage bankers association americas uniform single attestation program mortgage bankers usap also responsible establishing maintaining effective internal control compliance standards performed evaluation ncms compliance minimum servicing standards set forth usap december 31 2004 year ended based evaluation assert year ended december 31 2004 ncm complied material respects minimum servicing standards set forth usap period ncm effect fidelity bond policy amount 200 million errors omissions policy amount 250 million jackson case jr jackson case jr executive vice president march 4 2005 kpmg llp 2500 ruan center 666 grand avenue des moines ia 50309 independent accountants report board directors wells fargo home mortgage division wells fargo bank na examined managements assertion included accompanying assertion management wells fargo home mortgage division wells fargo bank na company complied minimum servicing standards set forth mortgage bankers association americas uniform single attestation program mortgage bankers usap year ended december 31 2004 management responsible companys compliance minimum servicing standards responsibility express opinion managements assertion companys compliance based examination conducted accordance attestation standards established american institute certified public accountants accordingly included examining test basis evidence companys compliance minimum servicing standards specified performing procedures considered necessary circumstances believe examination provides reasonable basis opinion examination provide legal determination companys compliance minimum servicing standards opinion managements assertion company complied aforementioned minimum servicing standards year ended december 31 2004 fairly stated material respects kpmg llp february 23 2005 wells fargo home mortgage 1 home campus des moines ia 50328 assertion management wells fargo home mortgage division well fargo bank na year ended december 31 2004 wells fargo home mortgage division wells fargo bank na company complied material respects minimum servicing standards set forth mortgage bankers association americas uniform single attestation program mortgage bankers period company effect fidelity bond along errors omissions policy amount 100 million 20 million respectively michael j heid february 23 2005 michael j heid division president capital markets finance administration wells fargo home mortgage division wells fargo bank na franklin r codel february 23 2005 franklin r codel executive vice president finance corporate real estate wells fargo home mortgage division wells fargo bank na michael lepore february 23 2005 michael lepore executive vice president institutional lending wells fargo home mortgage division wells fargo bank na mary coffin february 23 2005 mary coffin executive vice president servicing post closing wells fargo home mortgage division wells fargo bank na exhibit 992 annual servicers statement compliance chase manhattan mortgage corp master servicer b abn amro mortgage corp c citimortgage inc greenpoint mortgage funding inc e national city mortgage co f wells fargo bank na officers certification reference made pooling servicing agreement listed exhibit hereto agreement entered chase home finance llc successor merger chase manhattan mortgage corporation jpmorgan chase bank na successor merger chase manhattan mortgage corporation master servicer pursuant article iii pooling servicing agreement undersigned officers certifies following 1 review activities master servicer preceding calendar year performance master servicing agreement made officers supervision 2 best officers knowledge based review master servicer fulfilled obligations agreement throughout year default fulfillment obligation specifying default known officer nature status thereof action taking master servicer cure default certified diane bentz date march 15 2005 diane bentz senior vice president chase home finance llc successor merger chase manhattan mortgage corporation michele paul date march 15 2005 michele paul vice president jpmorgan chase bank na successor merger chase manhattan mortgage corporation exhibit transaction pooling servicing agreement dated gsr 20042f january 1 2004 gsr 20043f february 1 2004 gsr 20044 february 1 2004 gsamp 2004sea1 march 1 2004 gsr 20046f may 1 2004 gsr 2004sd1 july 1 2004 gsr 20048f july 1 2004 gsr 20049 july 1 2004 gsr 200410f august 1 2004 gsr 200411 august 1 2004 gsrpm 20041 august 1 2004 gsmps 20044 october 4 2004 gsr 200413f october 1 2004 gsr 200415f december 1 2004 abn amro mortgage loan administration 4242 north harlem avenue norridge illnois 607061204 certificate compliance undersigned officer abn amro mortgage group inc participant hereby certifies follows 1 made caused made supervision review activities abn amro mortgage group inc preceding calendar year ending december 31 2004 respect performance purchased sale agreement 2 best knowledge based review date default abn amro fulfillment obligations issue witness whereof undersigned certificate compliance 1st day march 2005 abn amro mortgage group inc mary p sperlik mary p sperlik first vice president citimortgage inc po box 790013 ms 313 st louis mo 631790013 march 11 2005 investor code 6283 certificate number na goldman sachs 85 broad street new york ny 10004 officers certificate annual statement compliance series gsr 200413f dear investor activities citimortgage inc performed preceding calendar year governing servicing agreement investor code conducted supervision based upon review activities best knowledge citimortgage inc fulfilled obligations agreement citimortgage inc patsy barker patsy barker vice president citimortgage inc timothy klingert timothy klingert vice president citimortgage inc po box 84013 columbus ga 319084013 tel 8007845566 greenpoint mortgage march 15 2005 gs mortgage securities corp 100 second avenue south suite 200 north st petersburg fl 33701 attn joan smith gs mortgage securities corp chase manhattan mortgage 85 broad street 3415 vision drive new york new york 10004 columbus oh 43218 attn nina gandy gsr mortgage loan trust 200413f agreement annual statement compliance servicer ladies gentlemen pursuant servicing agreement respect referenced offering undersigned officer greenpoint mortgage funding inc servicer hereby certifies following 1 review activities servicer performance agreement preceding fiscal year since inception trust made direct supervision undersigned officer 2 best knowledge undersigned officer based review servicer fulfilled material obligations agreement throughout applicable period known default fulfillment servicers material obligations throughout period truly greenpoint mortgage funding inc servicer michael defrancesco name michael defrancesco title senior vice president loan administrator national city mortgage national city mortgage co 3232 newmark drive mimisburg ohio 45342 telephone 937 9101200 mailing address po box 1820 dayton ohio 454011820 annual statement compliance gsr 20037f gsr 20039 gsr 20043f gsr 20049 gsr 20046f gsr 200410f gsr 200411 gsr 200413f review activities servicer preceding calendar year performance agreement made officers supervision ii servicer fully complied provisions agreement iii best officers knowledge based review servicer fulfilled obligations agreement throughout year default fulfillment obligation specifying default known officer nature status thereof national city mortgage certified jackson case jr date 3162005 jackson case jr title executive vice president wells fargo home mortgage inc one home campus des moines ia 503280001 march 1 2005 2004 annual certification hereby certify best knowledge belief calendar year 2004 1 real estate taxes bonds assessments lienable items paid 2 fha mortgage insurance private mortgage insurance premiums flood insurance paid applicable 3 hazard insurance policies held us meet requirements specified servicing agreement normal prudent lender specified premiums due paid 4 made property inspections required 5 fidelity bond errors omissions insurance coverage currently exists 6 officer signing certificate reviewed activities performance servicer preceding fiscal year terms servicing agreement trust agreement pooling servicing agreement andor sellerservicer guide similar agreements best officers knowledge servicer fulfilled duties responsibilities obligations agreement throughout year default failure servicer perform duties responsibilities obligations description default failure nature status thereof reported sincerely john b brown john b brown vice president wells fargo home mortgage inc