EXHIBIT 99.11

                                                              [COUNTRYWIDE LOGO]

                                                     400 Countrywide Way
March 15, 2005                                Simi Valley, California 93065-6298

RWT HOLDINGS, INC.
591 Redwood Hwy, # 3140
Mill Valley, CA 94941
Attn: Gloria Li

                              OFFICER'S CERTIFICATE

I, Joseph Candelario, hereby certify that I am the First Vice President, Loan
Administration of Countrywide Home Loans, Inc., fka Countrywide Funding
Corporation. I further certify, with respect to the Servicing Agreements for
Countrywide Mortgage Obligations, Inc., the following:

I have reviewed the activities and performance of the Servicer during the fiscal
year ended December 31, 2004 under the Agreements and, to the best of my
knowledge, based on my review, the Servicer has fulfilled all of its duties,
responsibilities or obligations under the Agreements throughout the fiscal year.

/s/ Joseph Candelario              March 15, 2005
------------------------           ----------------
Joseph Candelario                  Date
First Vice President
Compliance Officer
Loan Administration

re: Investor Numbers: 7001476, 7001629, 7001755