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                     Report on Management's Assertion on
  Compliance With the Specified Minimum Servicing Standards Set Forth in the
             Uniform Single Attestation Program for Mortgage Bankers

             Report of Independent Registered Public Accounting Firm

Member
Aurora Loan Services LLC

We have examined management's assertion, included in the accompanying report
titled Report of Management, that Aurora Loan Services LLC (the Company)
complied with the servicing standards identified in Exhibit A (the specified
minimum servicing standards) to the Report of Management as set forth in the
Mortgage Bankers Association of America's Uniform Single Attestation Program
for Mortgage Bankers (USAP) during the year ended November 30, 2005.
Management is responsible for the Company's compliance with these specified
minimum servicing standards. Our responsibility is to express an opinion on
management's assertion about the Company's compliance based on our
examination.

Our examination was made in accordance with standards established by the
American Institute of Certified Public Accountants and, accordingly,
included examining, on a test basis, evidence about the Company's compliance
with the specified minimum servicing standards and performing such other
procedures as we considered necessary in the circumstances. We believe that
our examination provides a reasonable basis for our opinion. Our examination
does not provide a legal determination on the Company's compliance with the
specified minimum servicing standards.

In our opinion, management's assertion that the Company complied with the
aforementioned specified minimum servicing standards during the year ended
November 30, 2005, is fairly stated, in all material respects.

/s/ Ernst & Young LLP
Ernst & Young LLP

February 17, 2006


AURORA LOAN SERVICES
A Lehman Brothers Company

                   Management's Assertion on Compliance
           with the Specified Minimum Servicing Standards Set Forth
        in the Uniform Single Attestation Program for Mortgage Bankers

                              Report of Management

We, as members of management of Aurora Loan Services LLC (the "Company"),
are responsible for complying with the servicing standards identified in
the attached Exhibit A (the "specified minimum servicing standards") as set
forth in the Mortgage Bankers Association of America's Uniform Single
Attestation Program for Mortgage Bankers ("USAP"). We are also responsible
for establishing and maintaining effective internal control over compliance
with these specified minimum servicing standards. We have performed an
evaluation of the Company's compliance with the specified minimum servicing
standards as of November 30, 2005 and for the year then ended. Based on this
evaluation, we assert that during the year ended November 30, 2005, the
Company complied, in all material respects, with the specified minimum
servicing standards.

As of November 30, 2005 and for the year then ended, the Company had in
effect a fidelity bond in the amount of $110,000,000 and an errors and
omissions policy in the amount of $150,000,000.


Very truly yours,

/s/ Rick Skogg
Rick Skogg
Co-Chief Operating Officer

/s/ Roy Browning
Roy Browning
Chief Financial Officer

/s/ William Napier
William Napier
Controller


February 17, 2006



AURORA LOAN SERVICES
A Lehman Brothers Company
Exhibit A

                     Specified Minimum Servicing Standards

I.   Custodial Bank Accounts

     1.  Reconciliations shall be prepared on a monthly basis for all
         custodial bank accounts and related bank clearing accounts. These
         reconciliations shall:

         a.  be mathematically accurate;

         b.  be prepared within forty-five (45) calendar days after the
             cutoff date.  The cutoff date is the date as of which a bank
             account is reconciled every month. It may, or may not, coincide
             with a prescribed investor reporting date but shall be
             consistent from period to period;

         c.  be reviewed and approved by someone other than the person who
             prepared the reconciliation; and

         d.  document explanations for reconciling items. These reconciling
             items shall be resolved within ninety (90) calendar days of
             their original identification.

     2.  Funds of the servicing entity shall be advanced in cases where there
         is an overdraft in an investor's or a mortgagor's account.

     3.  Each custodial account shall be maintained at a federally insured
         depository institution in trust for the applicable investor.

     4.  Escrow funds held in trust for a mortgagor shall be returned to the
         mortgagor within thirty (30) calendar days of payoff of the mortgage
         loan.

II.  Mortgage Payments

     1.  Mortgage payments shall be deposited into the custodial bank
         accounts and related bank clearing accounts within two (2) business
         days of receipt.

     2.  Mortgage payments made in accordance with the mortgagor's loan
         documents shall be posted to the applicable mortgagor records within
         two (2) business days of receipt.

     3.  Mortgage payments shall be allocated to principal, interest,
         insurance, taxes or other escrow items in accordance with the
         mortgagor's loan documents.

     4.  Mortgage payments identified as loan payoffs shall be allocated in
         accordance with the mortgagor's loan documents.

III. Disbursements

     1.  Disbursements made via wire transfer on behalf of a mortgagor or
         investor shall be made only by authorized personnel.

     2.  Disbursements made on behalf of a mortgagor or investor shall be
         posted within two (2) business days to the mortgagor's or investor's
         records maintained by the servicing entity.

     3.  Tax and insurance payments shall be made on or before the penalty
         or insurance policy expiration dates, as indicated on tax bills and
         insurance premium notices, respectively, provided that such support
         has been received by the servicing entity at least thirty (30)
         calendar days prior to these dates.

     4.  Any late payment penalties paid in conjunction with the payment of
         any tax bill or insurance premium notice shall be paid from the
         servicing entity's funds and not charged to the mortgagor, unless
         the late payment was due to the mortgagor's error or omission.

     5.  Amounts remitted to investors per the servicer's investor reports
         shall agree with cancelled checks, or other form of payment, or
         custodial bank statements.

     6.  Unissued checks shall be safeguarded so as to prevent unauthorized
         access.

IV.  Investor Accounting and Reporting

     1.  The servicing entity's investor reports shall agree with, or
         reconcile to, investors' records on a monthly basis as to the total
         unpaid principal balance and number of loans serviced by the servicing
         entity.

V.   Mortgagor Loan Accounting

     1.  The servicing entity's mortgage loan records shall agree with, or
         reconcile to, the records of mortgagors with respect to the unpaid
         principal balance on a monthly basis.

     2.  Adjustments on adjustable rate mortgage (ARM) loans shall be
         computed based on the related mortgage note and any ARM rider.

     3.  Escrow accounts shall be analyzed, in accordance with the
         mortgagor's loan documents, on at least an annual basis.

     4.  Interest on escrow accounts shall be paid, or credited, to
         mortgagors in accordance with the applicable state laws.

VI.  Delinquencies

     1.  Records documenting collection efforts shall be maintained during
         the period a loan is in default and shall be updated at least
         monthly.  Such records shall describe the entity's activities in
         monitoring delinquent loans including, for example, phone calls,
         letters and mortgage payment rescheduling plans in cases where the
         delinquency is deemed temporary (i.e., illness or unemployment).

VII. Insurance Policies

     1. A fidelity bond and errors and omissions policy shall be in effect on
        the servicing entity throughout the reporting period in the amount of
        coverage represented to investors in management's assertion.



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