item 14 principal accountant fees services applicable part iv item 15 item 7 managements discussion analysis financial condition results operations information provided pursuant action request item 7a item 7a quantitative qualitative disclosures market risk applicable item 8 item 8 financial statements supplementary financial data information provided pursuant action request item 9 item 15 exhibits financial statement schedules reports form 8k exhibit certification 311 officers annual compliance statement master servicer 991 independent auditors report uniform single audit 992 program mortgage bankers b information provided pursuant action request c information provided pursuant action request information provided pursuant action request signatures pursuant requirements section 13 15d securities exchange act 1934 registrant duly caused report signed behalf undersigned thereto duly authorized 23rd day march 2005 rali series 2004qs6 trust residential accredit loans inc residential funding corporation master servicer barbara wendt name barbara wendt title managing director master servicing exhibit 311 certification barbara wendt certify 1 reviewed annual report form 10k reports form 8k containing distribution servicing reports filed respect periods included year covered annual report rali series 2004qs6 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 servicer pooling servicing similar agreement inclusion reports included reports 4 responsible reviewing activities performed servicer pooling servicing similar agreement based upon knowledge annual compliance review required agreement except disclosed reports servicer fulfilled obligations agreement 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 pooling servicing similar agreement included reports giving certifications reasonably relied information provided unaffiliated parties colonial savings fa fremont bank gmac mortgage corporation hsbc mortgage corporation usa litton loan servicing lp national city mortgage company ulster savings bank deutsche bank trust company americas date march 23 2005 barbara wendt barbara wendt managing director master servicing exhibit 991 letterhead gmac rfc 2004 annual statement compliance certificate pursuant governing documents including limited various pooling servicing agreements sales servicing agreement agreements residential funding corporation master servicer appointed master servicer annual statement compliance required delivered either trustee investor undersigned director residential funding corporation hereby certifies review activities master servicer preceding calendar year conducted performance duties outlined agreements made undersigned officers supervision ii best undersigned officers knowledge based aforementioned review master servicer complied minimum servicing standards set forth usap mortgage bankers fulfilled material obligations relating agreements material respects throughout year iii best undersigned officers knowledge subservicer complied minimum servicing standards set forth usap mortgage bankers fulfilled material obligations relating agreements material respects throughout year dated march 15 2005 barbara wendt barbara wendt managing director master servicing darsi meyer darsi meyer director securities administration exhibit 992 letterhead pricewaterhousecoopers report independent accountants board directors stockholder residential funding corporation examined managements assertion residential funding corporations company compliance minimum servicing standards identified role master servicer year ended december 31 2004 included accompanying management assertion see exhibit 1 assertion examined relating mortgage loans included listing mortgage loans series certificates included attached exhibit 2 testing procedures applied series certificates serviced september 30 2004 direct servicing functions performed various primary servicers subservicers management responsible companys compliance minimum servicing standards responsibility express opinion managements assertion companys compliance based 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 loans series certificates subject procedures selected using sampling methods accordingly make representation examination procedures performed specific series loans certificates listed attached exhibit 2 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 pricewaterhousecooper llp february 18 2005 exhibit 1 letter gmac rfc managements assertion concerning compliance usap minimum servicing standards february 18 2005 year ended december 31 2004 residential funding corporation company complied material respects minimum servicing standards set forth loans serviced others master servicing arrangements direct servicing functions performed various primary servicers subservicers minimum standards custodial bank accounts reconciliations shall prepared monthly basis custodial bank accounts related bank clearing accounts reconciliations shall 1 mathematically accurate 2 prepared within thirty 30 calendar days cutoff date 3 reviewed approved someone person prepared reconciliation document explanation reconciling items 4 reconciling items shall resolved within ninety 90 calendar days original identification b custodial escrow account maintained master servicer subservicer shall maintained eligible account trust applicable certificateholders prescribed applicable pooling servicing agreements c funds shall advanced master servicer primary servicer subservicer required applicable pooling servicing agreements accordance amortization schedule mortgage loan overdrafts mortgagers escrow accounts ii subservicer remittances mortgage payments payoffs received primary servicers subservicers shall deposited applicable investor custodial bank account within one business day receipt b remittances primary servicers subservicers shall reconciled applicable mortgager records appropriate accounting cycle c reconciliations shall performed monthly primary servicer subservicer remittance reconciliations shall 1 mathematically accurate 2 prepared within thirty 30 calendar days cutoff date iii disbursements investors shall made accordance applicable pooling servicing agreements andor prospectus indicating cash flows allocated b amounts remitted investors per investor reports shall agree custodial bank statements c permitted withdrawals per applicable pooling servicing agreements shall made custodial accounts certificateholders disbursements investor funds custodial accounts via wire transfer shall made authorized personnel iv investor accounting reporting statements certificateholders shall made monthly distribution accordance applicable pooling servicing agreements detailing applicable distribution activity effect unpaid principal balance mortgage loans v mortgagor accounting uniform single attestation program reports external primary servicers subservicers obtained reviewed provide basis meeting minimum servicing standards b mortgage loan records shall agree reconcile mortgage loan records maintained primary servicers subservicers respect unpaid principal balance monthly basis vi delinquencies reports primary servicers subservicers identifying delinquent loans shall received reviewed monthly reports shall made distribution certificateholders number aggregate principal balances delinquent mortgage loans based recent reports furnished primary servicers subservicers vii insurance policies period company effect fidelity bond amount 300000000 mortgage impairmentmortgages errors omissions professional liability insurance policy amount 100000000 bruce paradis bruce paradis residential funding corporation president managing director davee olson davee olson residential funding corporation chief financial officer managing director january 6 2005 ken duncan ken duncan residential funding corporation acting chief financial officer managing director january 7 2005 eric scholtz eric scholtz residential funding corporation managing director residential funding corporation december 31 2004 exhibit 2 1985 series 1985 msasl 1014 1985 msasl 1038 1985 msasl 1052 1985 msasl 1059 1986 series nycf 1986a 1987 series 1987wh2 nycf 1987a 1988 series 1988sbrc wh1 nycf 1988a 1989 series 1989sw1 1990 series nycf 1990a 1993 series 1993wh15b 1993wh15c 1993wh2 1994 series 1994wh1 1994wh14 1994wh16d 1994wh21 1994wh4b 1995 series 1995hwh1 1995hwh2 1995hwh3 1995hwh4 1995hwh5 1995wh12 1995wh13 1995wh14 1995wh15 1995wh18 1995wh5 1996 series 1996qs3 1996qs4 1996qs5 1996qs7 1996qs8 1996sw1a 1996sw1b 1996sw1c 1996sw1d 1996wh10 1996wh11 1996wh18 1996wh19 1996wh4d 1996wh5 1996wh7 1997 series 19972 1997gmacm4 1997ks2 1997npc1 1997nwh1 1997nwh3 1997nwh4 1997nwh6 1997nwh9 1997qs1 1997qs10 1997qs12 1997qs13 1997qs2 1997qs3 1997qs4 1997qs5 1997qs6 1997qs7 1997qs8 1997qs9 1997wh10 1997wh11 1997wh14 1997wh15 1997wh5 1997wh9 1998 series 1998b 1999a 1998hi2 1998hi4 1998hwh1 1998hwh2 1998hwh3 1998hwh4 1998hwh5 1998hwh6 1998hwh7 1998ks1 1998ks2 1998ks3 1998ks4 1998nwh2 1998nwh4 1998nwh8 1998qs1 1998qs13 1998qs16 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