I found a way to get rid of the black band across the image by raising everything (lights, camers, terrains, etc.) by 10,000 ft.  It worked in the no GI render.

As for the GI render, I adjusted the camera relative position slightly as Kix suhggested and increased the size of the bunp resolution in the terrain shader.  It is rendering now with these new settings.  Maybe this will work??