PRICEWATERHOUSECOOPERS
                                              PricewaterhouseCoopers LLP
                                              PricewaterhouseCoopers Center
                                              300 Madison Avenue
                                              New York NY 10017
                                              Telephone (646) 471 3000
                                              Facsimile (813) 286 6000


                   Report of Independent Auditors

To the Board of Directors and Stockholder
of Chase Home Finance LLC:

We have examined management's assertion about Chase Home Finance LLC's (the
"Company") compliance with the minimum servicing standards identified in the
Mortgage Bankers Association of America's Uniform Single Attestation Program
for Mortgage Bankers ("USAP") as of and for the year ended December 31, 2005
included in the accompanying management assertion (see Exhibit I). Management
is responsible for the Company's compliance with those 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 attestation 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 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 minimum servicing
standards.

In our opinion, management's assertion that the Company complied with the
aforementioned minimum servicing standards as of and for the year ended
December 31, 2005 is fairly stated,in all material respects.


/s/ PricewaterhouseCoopers L.L.P.
PricewaterhouseCoopers L.L.P.

March 13, 2006




















Exhibit I


              Management's Assertion Concerning Compliance
                 with USAP Minimum Servicing Standards


March 13, 2006


As of and for the year ended December 31, 2005, Chase Home Finance LLC (the
"Company") has complied in all material respects with the minimum servicing
standards (the "Standards") set forth in the Mortgage Bankers Association of
America's Uniform Single Attestation Program for Mortgage Bankers ("USAP").
These Standards are applicable only to the Company's prime and subprime
mortgage portfolios.

As of and for this same period, the Company had in effect fidelity bond and
errors and omissions policies in the amounts of $250,000,000 and $25,000,000
respectively.




/s/ Kim Greaves                             /s/ Jim Miller
-----------------                           ---------------
Kim Greaves                                    Jim Miller
Vice President                                 Vice President
JPMorgan Chase Bank, N.A.                      JPMorgan Chase Bank, N.A.


/s/ Scott Powell
------------------
Scott Powell
Senior Vice President
JPMorgan Chase Bank, N.A.






















PRICEWATERHOUSECOOPERS

                                              PricewaterhouseCoopers LLP
                                              PricewaterhouseCoopers Center
                                              300 Madison Avenue
                                              New York NY 10017
                                              Telephone (646) 471 3000
                                              Facsimile (813) 286 6000


                      Report of Independent Auditors


To the Board of Directors and Stockholder
of JPMorgan Chase Bank, National Association:

We have examined management's assertion about JPMorgan Chase Bank, National
Association's (the "Company") compliance with the minimum servicing standards
identified in the Mortgage Bankers Association of America's Uniform Single
Attestation Program for Mortgage Bankers ("USAP") solely as they relate to
standard VII, Insurance Policies (the "Applicable Standard"), as of and for
the year ended December 31, 2005 included in the accompanying management
assertion. Management is responsible for the Company's compliance with the
Applicable Standard. Our responsibility is to express an opinion
on management's assertion about the Company's compliance, solely as it
relates to the Applicable Standard based on our examination. The Company uses
subservicing organizations to perform the servicing obligations subject to
minimum servicing standards I-VI of USAP. We did not examine the Company's
compliance with standards I-VI of USAP and, accordingly, do not express an
opinion thereon.

Our examination was made in accordance with attestation 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 Applicable Standard 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 Applicable
Standard.

In our opinion, management's assertion that the Company complied with the
Applicable Standard solely as it relates to standard VII, Insurance Policies,
as of and for the year ended December 31, 2005 is fairly stated, in all
material respects.


/s/ PricewaterhouseCoopers L.L.P.
PricewaterhouseCoopers L.L.P.

March 13, 2006














              Management's Assertion Concerning Compliance
                   with USAP Minimum Servicing Standards


March 13, 2006

As of and for the year ended December 31, 2005, JPMorgan Chase Bank, National
Association (the "Company") has complied in all material respects with the
minimum servicing standards set forth in the Mortgage Bankers Association of
America's Uniform Single Attestation Program for Mortgage Bankers ("USAP")
solely as they relate to standard VII, Insurance Policies (the "Applicable
Standard"). The Company uses subservicing organizations to perform the
servicing obligations subject to minimum servicing standards I-VI of USAP.

As of and for this same period, the Company had in effect fidelity bond and
errors and omissions policies in the amounts of $250,000,000 and $25,000,000
respectively.

Attached to this Management Assertion are the independent auditors' reports
on the subservicing organizations' compliance with the minimum servicing
standards related to the servicing obligations performed.


/s/ Kim Greaves                             /s/ Jim Miller
-----------------                           ---------------
Kim Greaves                                  Jim Miller
Vice President                               Vice President
JPMorgan Chase Bank, N.A.                    JPMorgan Chase Bank, N.A.


/s/ Scott Powell
------------------
Scott Powell
Senior Vice President
JPMorgan Chase Bank, N.A.