EXHIBIT 99.2 -- Report of Management as to compliance with minimum servicing
                standards for the year ended


a)

AURORA LOAN SERVICES
A Lehman Brothers Company


   			Report of Management


We, as members of management of Aurora Loan Services Inc. (the "Company"), are
responsible for complying with the 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 standards.  We
have performed an evaluation of the Company's compliance with the minimum
servicing standards as set forth in the USAP as of November 30, 2004 and for the
year then ended.  Based on this evaluation, we assert that during the year ended
November 30, 2004, the Company complied, in all material respects, with the
minimum servicing standards set forth in the USAP.

As of and for this same period, the Company had in effect a fidelity bond policy
and an errors and omissions policy in the amounts of $60 million and $70
million, respectively.



                                       Very truly yours,

				       /s/  Bruce Witherall
                                       Bruce Witherall
                                       Chief Executive Officer

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

                                       /s/ Roy Browning
                                       Roy Browning
                                       Chief Financial Officer

                                       /s/ William Napier
                                       William Napier
                                       Controller


February 11, 2005


b)




                       [JPMorgan Chase logo]


						Exhibit I

           Management's Assertion Concerning Compliance
              with USAP Minimum Servicing Standards


March 11, 2005


As of and for the year ended December 31, 2004, Chase Home Finance LLC
(formerly known as Chase Manhattan Mortgage Corporation) (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 amount of $250,000,000 and $25,000,000,
respectively.



/s/ Thomas L. Wind                      /s/ Scott Powell
Thomas L. Wind                          Scott Powell
Co-Chief Executive Officer              Co-Chief Executive Officer
Chase Home Finance LLC                  Chase Home Finance LLC


/s/ Terry L. Gentry
Terry L. Gentry
SVP of Servicing
Chase Home Finance LLC



c)



[Ocwen logo]



MANAGEMENT ASSERTION ON COMPLIANCE WITH USAP

March 11,2005

As of and for the year ended December 31, 2004,except
as specifically noted below, Ocwen Federal Bank
FSB (the "Bank") has complied in all material
respects with the minimum servicing standards
set forth in the Mortgage Bankers Association
of America's ("MBA's") Uniform Single Attestation
Program for Mortgage Bankers ("USAP").

 Standard: Reconciliations shall be prepared on a
monthly basis for all custodial bank accounts and
related bank clearing accounts. These reconciliations
shall be mathematically accurate, be prepared within
forty five (45) calendar days of the cutoff date;
be reviewed and approved by someone other than the person
who prepared the reconciliation; and document explanations
for reconciling items. These reconciling items shall be
resolved within ninety (90) calendar days of their original
identification.


Certain reconciling items which arose during the year
ended December 31, 2004 were not cleared within 90 days
of their original identification. Management has developed
and implemented an action plan and continues to resolve
outstanding reconciling items. All significant reconciling
items have been isolated and reviewed by the Bank, and the
Bank believes these items will not have a material impact
on the status of any custodial accounts.


 Standard: Adjustments on ARM loans shall be computed
based on the related mortgage note and any ARM rider.

Certain ARM loans serviced by the Bank have odd due
dates (i.e., due dates other than the first day of
the month). The mortgage notes or ARM riders for
some of the odd due date loans establish a look-back
date for the applicable index at a certain number
of days prior to each Change Date, for example,
45 days prior to the effective Change Date. The Bank
determines the look-back date by using a 30-day month
when subtracting the actual number of look-back days
stated in the Mortgage Note or ARM rider from the
effective Change Date. Some months that have more or less
than 30 days may therefore have a miscalculated
look-back date, resulting in the index rate being
used on an incorrect date, but generally no more than a
two-business day difference. This has resulted in
some minor differences in the calculated monthly
payment amount, which could be either higher or
lower, depending on the movement in interest rates.

Management has implemented a corrective action plan
to revise the internal procedures for processing
these types of ARM adjustments, which includes
adjusting the borrower accounts where necessary.
The Bank believes that these differences did not
have a material impact on any mortgagor or investor.


As of and for this same period, the Bank had in effect
a fidelity bond in the amount of $15,000,000 and an errors
and omissions policy in the amount of $5,000,000.

/s/Ronald M Faris
Ronald M. Faris
President


/s/ Scott W. Anderson
Scott W. Anderson
Senior Vice President of Residential Assets

/s/ Brian J. LaForest
Brian J. LaForest
Director of Investor Reporting

/s/Paul E. Neff
Paul E. Neff
Director of Servicing Operations



d)



[Wells Fargo logo]	     Wells Fargo Consumer Credit Group
     			     550 California Street, 9th Floor
			     San Francisco, CA 94104




     Management Report



As of and for the year ended December 31, 2004, Wells Fargo Bank, N.A.
(the "Bank") as servicer has compiled 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, except for minimum
servicing standards, I.4, III.3, III.4, III.6, V.2, V.3, and V.4,
which the Bank has determined are not applicable to the servicing
of the pools, and except for the following:


In certain circumstances, the mortgage payment as recorded
on the servicing system did not agree with the mortgagor's
loan documents.  This resulted from a change to the funding date
subsequent to execution of the loan documents because the
borrower signed the note on a date subsequent to the loan
document date or funding occurred after the note was signed.
As a result, the payment amount in the loan accounting system
was less than the payment amount shown by the note, by up to
$1.75.  The loan system has been adjusted to reflect the
payment amount on the note, and the borrower is now paying
this amount.  To complement a post-funding verification function,
automated front-end processes will be added to alert loan
servicing personnel prior to funding that a payment amount
difference exists between the loan documents and the loan system,
which will effect new loan documents to be drawn.  Borrowers
and investors have been notified of the differences and that the
system has been adjusted to agree with the loan documents.



As of and for the year ended December 31, 2004, the Bank had
in effect a fidelity bond of $50,000,000 and an errors
and omissions policy in the amount of $20,000,000.


Very truly yours,

Wells Fargo Bank, N.A. as Servicer


/s/ Thomas J. Tolda			/s/Janet Lee
Thomas J. Tolda, SVP			Janet Lee, VP
Chief Financial Officer			Group Controller
Consumer Credit Group			Consumer Credit Group



/s/ Neil Dellacava
Neil Dellacava
Servicing Manager
Consumer Credit Group