Exhibit 99.4

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 LLP

March 13, 2006
<PAGE>

                                 [CHASE LOGO]




                  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 sub servicing 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.


<page>

PRICEWATERHOUSECOOPERS [LOGO]
--------------------------------------------------------------------------------
                                                   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 LLP


March 13, 2006


<PAGE>

                                  [CHASE LOGO]

                                                                       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
Senior Vice President                       Senior Vice President
Chase Home Finance LLC                      Chase Home Finance LLC




/s/ Scott Powell
-------------------------
Scott Powell
CEO
Chase Home Finance LLC